| Revenue growth | Global Business up 10.2% YoY; Net Interest Income reached $1141 Mn. |
|---|---|
| Margins | Global NIM at 2.50%; ROA improved 67 bps YoY to 1.04%. |
| Demand visibility | Strong domestic fundamentals; credit growth at 9-quarter high in Jun'26. |
| Management confidence | High, citing resilient growth momentum and domestic structural reforms. |
Growth
Global Business grew 10.2% YoY to $316.70 Bn. Global Advances increased 12.7% YoY, led by RAM segments.
Outlook
Focus on digital lending with $2,015.50 Mn sanctioned in Q1 FY27 and expanding high-yield RAM advances.
Risks
Global growth uncertainty, West Asia conflict, crude oil volatility, and inflationary pressures from El-Nino effects.
Last quarter's promises, checked
Delivered
- Guided 12.7% Advances growth → delivered 12.7% (= BEAT)
- Guided ROA >1.0% (normalized) → delivered 1.04% (= BEAT)
- Guided 8-9% profit growth → delivered 213.6% Net Profit growth (= BEAT)
Partly delivered
- Guided 10.7% Business growth → delivered 10.2% (= PARTIAL)
Missed
- Guided 2.6%-2.7% Global NIM → delivered 2.50% (= MISS)
Investor Presentation filed with BSE, 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.
More from Punjab National Bank
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