'Punjab National Bank conducted a conference call 19 January 2026 to discuss the financial results for the quarter ended December 2025. Ashok Chandra, MD&CEO of the bank addressed the call:
Highlights:
The bank has demonstrated steady progress across all key metrics of business growth, asset quality, profitability and regulatory compliance.
The focus has been on sustained business growth of both liability and asset side.
The bank has opened 82 new branches in 9MFY26 to increase presence and expects to open another 100 branches in next 6 months.
The bank is also using digital enablers to improve business growth and operational efficiency. Digital journeys for almost all credit products have been launched. Mobile banking apps have been revamped for better customer experience.
Through analytics-based models, the bank is focusing on delinquent as well as pre-delinquent assets to reduce slippages. The collection efforts are being made on ...
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