Punjab National Bank Q1 FY27 results (Apr–Jun 2026) and concall

Financial Services · Concall AI · Call held 18 Jul 2026

Company page: Punjab National Bank share price, financials & guidance record

Punjab National Bank reported a strong Q1 FY27, driven by robust core advances growth and significant improvements in asset quality, with Gross NPA falling to 2.78% and Net NPA to 0.28%. Profitability remained healthy with a Net Profit of INR5,253 crores and an improved cost-to-income ratio of 50.31%. The bank continues its focus on digital transformation and strategic growth in retail, MSME, and agriculture segments, while proactively building floating provisions for future ECL implementation.

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What they filed

Q1 FY27: revenue up 3.1%, net profit up 169.3% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
Revenue	31,895	32,523	32,572	32,513	32,889 +3%	32,798 +1%	33,589 +3%
Expenses	7,494	9,142	9,197	8,299	9,298	7,518	8,262
Other income	3,392	4,776	5,427	4,171	5,013	4,080	4,365
Interest	20,738	21,640	21,828	21,858	22,164	22,219	22,583
Depreciation	0	0	0	0	0	0	0
Profit before tax	7,055	6,518	6,973	6,527	6,440 −9%	7,141 +10%	7,108 +2%
Tax rate	34%	29%	74%	26%	19%	27%	25%
Net profit	4,811	5,011	2,167	5,121	5,577 +16%	5,602 +12%	5,835 +169%
EPS	4.18	4.34	1.84	4.46	4.83	4.87	5.06

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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