| Margins | Domestic NIM at 2.61%; expected to improve Q-o-Q in FY27. |
|---|---|
| Order book | Corporate credit lines of ₹4 lakh cr sanctioned; ₹1.18 lakh cr pending disbursement. |
| Demand visibility | Strong corporate credit pipeline and targeted retail/MSME outreach campaigns. |
| Management confidence | High; citing robust capital (17.74% CRAR) and 97% PCR for ECL transition. |
Growth
Global business grew 10.7% Y-o-Y to ₹29.7 lakh cr; Net Profit grew 14.4% Y-o-Y to ₹5,225cr.
Outlook
Guided Global NIM of 2.6%-2.7% for FY27; plans to open 250 new branches primarily in South/West regions.
Risks
NIM compression due to rate cuts and sticky deposit costs; West Asian crisis impact on MSME/export portfolios.
Earnings Call filed with NSE, NSE: PNB. Summary written with AI assistance from the document.
Punjab National Bank: key numbers
- Share price
- ₹116.60
- Market cap
- ₹1,34,008 Cr
- Revenue (annual)
- ₹1,30,772 Cr
- Net profit (annual)
- ₹18,393 Cr
- P/E (TTM)
- 6.1×Sector 22.0×
- 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.
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