| Margins | NIM at 2.64% (Domestic) for Q1 FY27. |
|---|---|
| Demand visibility | Strong credit growth at 9-quarter high in June 2026. |
| Management confidence | High; citing domestic structural reforms and digital transformation. |
Growth
Net Profit grew 213.6% YoY to ₹5,253 Cr. Global Advances rose 12.7% and Global Deposits grew 8.5% YoY.
Outlook
Bank targets RAM advances growth (currently 57.2% share) and further reduction in GNPA (currently 2.78%).
Risks
Headwinds include global growth uncertainty, geopolitical tensions, crude oil volatility, and inflationary pressures from El-Nino effects.
Last quarter's promises, checked
Delivered
- Guided Credit Growth 12.7% → delivered 12.7% (= BEAT)
- Guided Slippage Ratio < 1% → delivered 0.60% (= BEAT)
- Guided PCR > 96% → delivered 97.14% (= BEAT)
Partly delivered
- Guided Operating Profit Growth 8%-9% → delivered 9.2% (= BEAT)
Missed
- Guided NIM 2.8%-2.9% → delivered 2.57% (= MISS)
Earnings Call filed with BSE, NSE: PNB. Summary written with AI assistance from the document.
Punjab National Bank: key numbers
- Share price
- ₹113.67
- Market cap
- ₹1,30,640 Cr
- Revenue (annual)
- ₹1,30,772 Cr
- Net profit (annual)
- ₹18,393 Cr
- P/E (TTM)
- 5.9×Sector 21.9×
- Promoter holding
- 70.08%+0.00% QoQ
- FII holding
- 5.93%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Punjab National Bank
All →Punjab National Bank Debt & Borrowing: ₹54.61 Cr
Punjab National Bank confirmed timely payment of Rs. 54.61 Crore as interest for its Basel III Additional Tier-I Bonds (INE160A08233).
- Value
- ₹54.61 Cr
Punjab National Bank Credit Rating
Punjab National Bank informed the exchange about credit ratings assigned by Moody's, Fitch, and Care Edge Ratings for its Euro Medium Term Note Programme.
Punjab National Bank Debt & Borrowing: ₹14,250 Cr
Punjab National Bank has established a Euro Medium Term Note Programme of USD 1.50 Billion, filed in compliance with SEBI LODR regulations.
- Value
- ₹14,250 Cr
Punjab National Bank Management Change
Punjab National Bank has appointed Shri Divesh Sehara as a Director on its Board, replacing Shri D. Anandan, effective immediately.
Punjab National Bank Adverse Business Impact
Punjab National Bank informed that various bank unions have called for strikes on multiple dates in September and October 2026. Banking operations may be affected.
Punjab National Bank Annual General Meeting
Punjab National Bank has issued a notice for an Extraordinary General Meeting scheduled for September 25, 2026. Shareholders will vote on electing a director from among non-government shareholders.