Punjab National Bank
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Punjab National Bank (PNB) investor relations material

Punjab National Bank Investor presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor presentation summary1 Aug, 2026

Macroeconomic and sector context

  • India projected to grow 7.0% in CY 2026, outpacing major economies amid global headwinds.

  • Domestic demand supported by rural recovery, tax relief, and record auto sector performance.

  • Exports rose 11.4% YoY in Q1 FY27; forex reserves at $707Bn as of August 2026.

  • Banking sector credit growth at a 9-quarter high in June 2026, with stable asset quality.

  • Key risks include global trade uncertainty, geopolitical tensions, crude volatility, and inflationary pressures.

Business performance and growth

  • Global business reached $316.7Bn in June 2026, up 10.2% YoY; global advances grew 12.7% YoY to $134.5Bn.

  • Net profit for Q1 FY27 was $555Mn, up 213.6% YoY; ROA at 1.04%.

  • Gross NPA reduced to 2.78%, net NPA at 0.28%, and PCR at 97.23%.

  • Domestic CASA share at 37% in June 2026; cost of deposits at 5.02%.

  • Operating profit for Q1 FY27 was $794Mn, up 6.2% YoY.

Asset quality and capital adequacy

  • Gross NPA ratio improved from 11.78% in Mar'22 to 2.78% in June'26.

  • Net NPA ratio fell from 4.80% to 0.28% over the same period.

  • PCR (incl. TWO) increased to 97.23% in June'26.

  • CRAR at 18.13% and Tier 1 at 16.03% as of June 2026, indicating robust capital buffers.

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Next Punjab National Bank earnings date

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Q2 26/273 Nov, 2026
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