Punjab National Bank Q2 FY26 earnings call summary

Earnings call of 18 Oct 2025, summarised by AI from the filing.

PNB Q2 FY26 net profit ₹4,904 cr, guides 11-12% credit growth and 5-10 bps NIM improvement in H2.

Key takeaways

1. Net profit ₹4,904 cr in Q2 FY26 (Q2 FY25: ₹4,303 cr, +14% Y-o-Y).
2. Credit growth Management guides 11% to 12% credit growth for FY26 and expects to achieve it.
3. NIM outlook Management expects at least 5 bps NIM improvement in Q3 and 10+ bps in Q4 FY26.
4. ECL impact Management estimates 75-80 bps impact on CRAR from ECL transition.

Original filing on BSE

Punjab National Bank Q1 FY27 results

As filed: Revenue ₹33,589 cr, EBITDA ₹2,743 cr, PAT ₹5,339 cr, EBITDA margin 8.2%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• 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: −4.6% in 30 days (Nifty 500: −0.9%).
• 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: 0.0% in 30 days (Nifty 500: +0.7%).
• 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: +4.4% in 30 days (Nifty 500: +2.1%).
• 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: −2.9% in 28 days (Nifty 500: −0.1%).
• 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: +8.8% in 30 days (Nifty 500: +3.8%).
• 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.
• Q2 FY25: Revenue ₹30,447 cr, EBITDA ₹2,065 cr, PAT ₹4,432 cr, EBITDA margin 6.8%. 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

• Q1 FY27: Earnings call (18 Jul 2026), Results deck (18 Jul 2026), Results press release (18 Jul 2026)
• Q4 FY26: Earnings call (5 May 2026), Results deck (5 May 2026), Results press release (5 May 2026)
• Q3 FY26: Earnings call (19 Jan 2026), Results deck (19 Jan 2026), Results deck (19 Jan 2026), Results press release (19 Jan 2026)
• Q2 FY26: Earnings call (18 Oct 2025), Results deck (18 Oct 2025)
• Q1 FY26: Earnings call (30 Jul 2025), Results deck (30 Jul 2025), Results press release (30 Jul 2025)
• Q4 FY25: Earnings call (7 May 2025), Results deck (7 May 2025), Results press release (7 May 2025), Results press release (7 May 2025)
• Other events: Strategy deck (19 Aug 2026)