Punjab National Bank Q2 FY27 results (Jul–Sep 2026) and concall

Financial Services · Concall AI · Call held 16 Oct 2026

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

Punjab National Bank delivered a strong Q2 FY27 performance, marked by significant improvements in profitability and asset quality. Net profit surged 12.8% YoY to ₹5,532 crores, driven by a 10 bps sequential expansion in domestic NIM to 2.74% and robust NII growth. Asset quality saw substantial improvement with GNPA declining to 2.55% and NNPA to 0.25%, supported by a high PCR of 97.32%. The bank maintained strong capital adequacy at 17.95% and continued its focus on high-yielding advances and digital transformation.

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What they filed

Q2 FY27: revenue up 8.5%, net profit up 15.6% against the same quarter last year.

₹ Cr · quarterly

Line item	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27	Q2 FY27
Revenue	31,895	32,523	32,572	32,513	32,889 +3%	32,798 +1%	33,589 +3%	35,267 +8%
Expenses	7,494	9,142	9,197	8,299	9,298	7,518	8,262	7,839
Other income	3,392	4,776	5,427	4,171	5,013	4,080	4,365	3,524
Interest	20,738	21,640	21,828	21,858	22,164	22,219	22,583	23,464
Depreciation	0	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%	7,488 +15%
Tax rate	34%	29%	74%	26%	19%	27%	25%	26%
Net profit	4,811	5,011	2,167	5,121	5,577 +16%	5,602 +12%	5,835 +169%	5,918 +16%
EPS	4.18	4.34	1.84	4.46	4.83	4.87	5.06	5.13

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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