Punjab National Bank Q4 FY26 results (Jan–Mar 2026) and concall

Financial Services · Concall AI · Call held 5 May 2026

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

Punjab National Bank reported a strong Q4 FY26 with robust growth in business, advances, and deposits, alongside significant improvements in asset quality and capital adequacy. Net profit and operating profit saw double-digit YoY growth. However, NIM faced pressure from sticky deposit rates, leading to a revised guidance. The bank is actively rebalancing its portfolio towards RAM segments and expanding its digital footprint while preparing for ECL implementation.

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What they filed

Q4 FY26: revenue up 0.8%, net profit up 11.8% against the same quarter last year.

₹ Cr · quarterly

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

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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