Punjab National Bank (PNB) has released its Analyst Presentation for the Unaudited (Reviewed) Financial Results for the Quarter ended June 30, 2026. The presentation details key financial performance indicators, asset quality, profitability ratios, and various operational highlights. The report is available on the bank’s official website and the stock exchange portals. This disclosure aligns with SEBI (LODR) Regulations, 2015.
PNB Releases Q1 FY27 Financial Results Presentation
Punjab National Bank (PNB) has officially announced the release of its Analyst Presentation covering the Unaudited (Reviewed) Financial Results for the First Quarter of the Financial Year 2027, which concluded on June 30, 2026. This comprehensive presentation provides stakeholders with detailed insights into the bank’s financial performance during the period.
Key Financial Highlights
The presentation includes crucial data points such as Net Profit, which saw a significant year-on-year growth of +213.6%, reaching ₹5,253 Cr. Other key metrics highlighted are ROA% at 1.04%, Book Value Per Share (Tangible) at ₹108.58, and Operating Profit at ₹7,519 Cr. The bank also reported improvements in asset quality with GNPA% at 2.78% and NNPA% at 0.28%. The PCR (Inc. TWO) stands at a healthy 97.23%.
Business and Operational Performance
PNB’s Global Business grew by +10.2% YoY to ₹29,97,970 Cr. Global Deposits increased by +8.5% YoY to ₹17,24,837 Cr, while Global Advances saw a growth of +12.7% YoY, amounting to ₹12,73,132 Cr. RAM Advances also showed robust growth at +12.8% YoY, reaching ₹6,88,487 Cr.
Digital Initiatives and ESG Focus
The bank’s digital presence continues to expand with PNB One Activated Users growing by 19% to 270 Lakhs and PNB One BIZ Activated Users increasing by 146% to 3.48 Lakhs. UPI Transactions reached 357 Crores, and Digital Transactions (Incl. ADC) constituted 95.72% of the total digital transaction share in Q1 FY27. PNB also emphasized its commitment to sustainability through various green initiatives, including its “PNB Harit Niwas” scheme and a target to achieve Net Zero by 2060.
Guidance and Future Outlook
For FY’27, PNB has provided guidance with Credit Growth projected at 12%-13% and Deposit Growth at 9%-10%. The bank aims for NIM % between 2.60%-2.70% and Gross NPA % below 2.50%. Total Recovery is expected to exceed Rs. 13,000 Crores, and RoA % is targeted above 1%.
Source: BSE
