PNB HOUSING Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 2,054 Crs., 7.77% growth YoY, Net Interest Income is Rs. 808 Crs., 11% growth YoY, Total Income is Rs. 2,172 Crs., 6.63% growth YoY, Pre-Provisioning Operating Profit is Rs. 678 Crs., 4.95% growth YoY, PBT is Rs. 855 Crs., 20.16% growth YoY, Net profit is Rs. 656 Crs., 19.15% growth YoY. For Q4FY26 Gross NPA 0.93% vs 1.08% in Q4FY25, achieving significant milestone of <1% levels in Q4 FY26. Net NPA 0.57% vs 0.69% in Q4FY25. Return on Assets is 2.89% improved by 13 BPS YoY, Return on Equity is 13.94% improved by 68 BPS YoY, However, Net Interest Margin is 3.69% declined by 6 BPS YoY. Total Loan AUM is Rs. 90,921 Cr. Improved by 13% YoY, Retail Loan Asset grew by 16% YoY to INR 86,946 crore; On QoQ basis Interest Earned has achieved flat 1.71% growth, Net Interest Income has grown by 5.39%, Total Income has growth of 2.42%, Pre-Provisioning Operating Profit has grown by 8.04%, PBT grown by 27.85%, PAT is grown by 26.03%. Recovered INR 167 crore in Q4 FY26 and INR 332 crore in FY26 from total written-off pool. Growth was driven by strong retail disbursements and asset expansion, complemented by the resumption of Corporate disbursements and supported by improved GNPA.