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Punjab National Bank Q2 FY27 results deck summary

NSE: PNB · BSE: 532461

Results deck of 16 Oct 2026, summarised by AI from the filing.

FY27 guidance: credit growth 12%-13%, deposit growth 9%-10%, NIM 2.60%-2.70%, gross NPA below 2.50%.

Key takeaways

  1. Guidance FY27 guidance: credit growth 12%-13%, deposit growth 9%-10%, NIM 2.60%-2.70%, gross NPA below 2.50%.
  2. Asset quality GNPA improved to 2.55% in Q2 FY27 from 3.45% in Q2 FY26, down 90 bps YoY.
  3. Digital lending Digital lending sanctioned ₹22,018 cr in Q2 FY27 across 5,88,720 accounts.

Original filing on BSE

Punjab National Bank Q2 FY27 results

As filed: Revenue ₹35,267 cr, EBITDA ₹3,964 cr, PAT ₹5,561 cr, EBITDA margin 11.2%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹33,589 cr, EBITDA ₹2,743 cr, PAT ₹5,339 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: +10.9% in 30 days (Nifty 500: +1.0%).
  • Q4 FY26: Revenue ₹32,798 cr, EBITDA ₹3,061 cr, PAT ₹5,225 cr, EBITDA margin 9.3%. Not scored. Bank result format: not scored yet. Share price after the results: −2.1% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹32,889 cr, EBITDA ₹1,426 cr, PAT ₹5,190 cr, EBITDA margin 4.3%. Not scored. Bank result format: not scored yet. Share price after the results: +3.1% in 30 days (Nifty 500: +1.2%).
  • H1 FY26: Revenue ₹63,835 cr, EBITDA ₹3,732 cr, PAT ₹6,579 cr, EBITDA margin 5.9%. Not scored. Bank result format: not scored yet. Share price after the results: +8.2% in 30 days (Nifty 500: +1.5%).
  • Q1 FY26: Revenue ₹32,572 cr, EBITDA ₹1,546 cr, PAT ₹1,832 cr, EBITDA margin 4.8%. Not scored. Bank result format: not scored yet. Share price after the results: −6.7% in 30 days (Nifty 500: −2.5%).
  • Q4 FY25: Revenue ₹32,523 cr, EBITDA ₹1,742 cr, PAT ₹4,643 cr, EBITDA margin 5.4%. Not scored. Bank result format: not scored yet. Share price after the results: +16.9% in 30 days (Nifty 500: +5.0%).
  • Q3 FY25: Revenue ₹31,895 cr, EBITDA ₹3,663 cr, PAT ₹4,649 cr, EBITDA margin 11.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Punjab National Bank earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.