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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.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.
- Net profit up 213.6% YoY, asset quality improved, and capital adequacy reached 18.13%.PNB
Q1 26/27 - Q4 FY26 net profit up 14.4% YoY, asset quality improved, and digital and RAM growth strong.PNB
Q4 25/26 - Net profit up 13.1% YoY to ₹5,100 Cr, with strong asset quality and digital expansion.PNB
Q3 25/26 - Net profit up 14% YoY, asset quality and digitalization improved, CRAR at 17.19%.PNB
Q2 25/26 - Net profit up 159% YoY to ₹3,252 crore, with improved asset quality and strong capital ratios.PNB
Q1 24/25 - Net profit up 145% YoY, asset quality improved, and capital adequacy reached 16.36%.PNB
Q2 24/25 - Net profit more than doubled YoY, with robust credit growth and improved asset quality.PNB
Q3 24/25 - Net profit doubled, asset quality improved, and a major capital raise and dividend were announced.PNB
Q4 24/25 - Operating profit up, net profit down on tax shift, with improved asset quality and capital ratios.PNB
Q1 25/26
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