Punjab National Bank has informed the Exchange about Investor Presentation
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Punjab National Bank shared its Q1 FY26 analyst presentation, reporting Global Business of ₹27.19 lakh crore, up 11.6% YoY, driven by Global Deposits of ₹15.89 lakh crore (+12.9% YoY) and Global Advances of ₹11.30 lakh crore (+9.8% YoY). Profit Before Tax grew 28.3% YoY to ₹6,758 crore, while Operating Profit rose 7.6% to ₹7,081 crore; however, Net Profit fell 48.5% to ₹1,675 crore because the bank opted for the new income tax regime. Asset quality improved sharply with Gross NPA at 3.78% (down 120 bps YoY), Net NPA at 0.38%, and Credit Cost at just 0.14%. Capital position remains strong at 17.50% CRAR with CET-1 at 12.95%, and the bank has a capital raising plan of ₹8,000 crore for FY26. Versus FY26 guidance, NIM at 2.70% and credit growth at 9.84% both missed targets (2.8-2.9% and 11-12% respectively), while deposits beat at 12.86%.
A mixed quarter for shareholders: business growth, asset quality, and capital metrics remain healthy, but margin pressure is evident as NIM and credit growth both came in below management's own guidance. The sharp drop in reported net profit is largely a tax-regime effect, not an operational deterioration, but the NIM miss could be a watchpoint for near-term stock sentiment.