PNBHOUSING

announced Q4FY26 & FY26 results Assets Under Management scaled beyond Rs 90,000 crore milestone, reaching Rs 90,921 crore as of FY26, reflecting a 13%YoY growth. Retail Loan Asset grew by 16% YoY to Rs 86,946 crore as on 31st March 2026, which is 99.5% of the Total Loan Asset. Affordable and Emerging Markets segment grew by 28% YoY and contributes 40% to the Retail Loan Asset. Q4FY26 overall disbursements increased by 36% YoY and 50% QoQ to Rs 9,355 crore, including Rs 335 crore from the disciplined re?entry into the Corporate lending segment. Retail disbursements clocked an all-time high of Rs 9,020 crore in Q4FY26. Net profit for Q4FY26 grew by 19% YoY to Rs 656 crore whereas for FY26 Net Profit grew by 18% YoY to Rs 2,291 crore, led by healthy improvement in operating leverage. Spread during the quarter moderated by 10 bps sequentially to 2.12% on account of softening of yield by 25 bps to 9.47% due to lower incremental yield vs book yield. Our Q4FY26 cost of borrowing improved by 15 bps sequentially to 7.35%. Net interest margin improved by 6 bps in Q4FY26 to 3.69% compared to 3.63% during previous quarter.