Punjab National Bank Stock Price - ₹116.32 | Banks

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Company insights, generated from the most recent coverage.

PNB aims to scale FCNR(B) deposits from $425M to $2.5B by leveraging strong Punjab diaspora presence and offering competitive 6.10% rates across 3-5 year tenors.
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The Quarter story

The two most recent quarterly results, compared side-by-side.

PNB strengthens asset quality and profitability while managing deposit mix and retail loan cycles.

Agriculture Gross NPA ratio falls from 10.77% to 9.07% from Q1 to Q4 FY26, reflecting steady credit quality improvement.

CASA share dips from 38% to 37.1% from Q1 to Q3 FY26, indicating a shift toward higher-cost term deposits.

Consolidated Gross NPA ratio drops from 3.45% to 2.68% from Q2 to Q4 FY26, stabilizing at 2.78% in Q1 FY27.

Domestic NIM compresses from 2.84% to 2.61% from Q1 to Q4 FY26, recovering slightly to 2.64% in Q1 FY27 amid rate normalization.

MSME advances grow from ₹169,426 Cr to ₹203,025 Cr from Q1 FY26 to Q1 FY27, driving inclusive lending expansion.

Corporate advances peak at ₹582,834 Cr in Q4 FY26 before contracting to ₹515,372 Cr in Q1 FY27, signaling portfolio rebalancing.

Return on equity rises from 6.59% to 18.00% from Q1 to Q4 FY26, maintaining strong capital efficiency at 17.33% in Q1 FY27.

Retail advances fall from ₹281,988 Cr to ₹257,064 Cr from Q3 FY26 to Q1 FY27, reflecting natural loan maturity cycles.

Cost to income ratio improves from 55.31% to 48.42% from Q1 to Q4 FY26, reflecting better operational efficiency.

Retail SMA 2 accounts climb from 43 to 111 from Q1 FY26 to Q1 FY27, requiring closer monitoring to prevent future slippages.

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In the news

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Punjab National Bank