| Margins | Domestic NIM improved to 2.64%; global NIM to 2.50% Q-o-Q. |
|---|---|
| Demand visibility | Strong credit demand; INR 1.38 lakh crore sanctioned and pending disbursement. |
| Management confidence | High, citing disciplined underwriting and digital-first delivery strategy. |
Growth
Global advances grew 12.7% YoY; core operating profit rose 35.7% YoY. Net profit stood at INR 5,253 crores.
Outlook
Management guides for Gross NPA below 2.5%, Net NPA below 0.3%, and MSME growth target of 25% for FY27.
Risks
Potential impacts from bad monsoon (El Niño) on agri-income and INR 9,500-10,000 crore one-time ECL provisioning impact.
Last quarter's promises, checked
Delivered
- Guided Operating Profit growth 8-9% → delivered 9.2% (= BEAT)
- Guided Slippage Ratio <1% → delivered 0.60% (= BEAT)
- Guided PCR >96% → delivered 97.14% (= BEAT)
Partly delivered
- Guided CASA/Margins → influenced by liquidity/rate dynamics (= PARTIAL)
Missed
- Guided NIM 2.8-2.9% → delivered 2.57% (= MISS)
Earnings Call Transcript 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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