Punjab National Bank · NSE:PNB
Punjab National Bank — Q1 FY2027 Earnings Presentation
48 slides from Punjab National Bank's earnings presentation, Jul 18, 2026
Slide 1: Analyst Presentation Intimation to Exchanges
E]r>nb ...the name you can BANK upon! J(Z1p S? Amrit Mahotsav 'B pab one #JunOweftpp Share Department, Board & Coordination Division, Head Office Plot No.4 Sector IO, Dwarka, New Delhi-llO075, E-mail: hQ sa@lpnb,benk,in Scrip Code: PNB Scrip Code: 532461 National Stock Exchange of India Limited BSE
Slide 2: Financial Results Q1 FY 2027
FINANCIAL RESULTS Q1 FY 2027 th 18 July 2026 Follow our Official Page: www.pnb.bank.in
Slide 3: Contents
Contents Macro Economy Business Financial Asset & Performance Performance Performance Quality Highlights 3-8 9-19 20-25 26-31 Shareholding Digitalization HR, Network, ESG, Awards & Capital & Analytics Group Business & Guidance & RRBs 32-33 34-37 38-41 42-45 2
Slide 4: Indian Economy
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Indian Economy Resilient Growth Momentum Despite Evolving Global Headwinds GDP Projections – CY 2026 India Stands Out Among Major Economies 7.0% Strong Domestic Fundamentals Supported by
Slide 5: Q1 FY'27 Key Highlights
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Data for Q1 FY’27 NET PROFIT ROA% BOOK VALUE PER OPERATING PROFIT SHARE (TANGIBLE) +213.6% YoY +67 bps YoY +6.2% YoY +17.2% YoY ₹ 5,253 Cr 1.04% ₹ 108.58 ₹ 7,519 Cr GNPA % NNPA % PCR (In
Slide 6: Profitability
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Profitability Net Profit Return on Assets (%) 4904 5100 5225 5253 1.05% 1.06% 1.06% 1.04% 4508 4567 1.02% 1.03% 1.02% 4303 0.82% 3252 1675 0.37% (Annualized) Q1 Q2 Q3 Q4 Q
Slide 7: Profitability
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Profitability Return on Equity - Tangible (%) Earning Per Share (₹) 19.91% 19.22% 19.23% 4.44 4.55 4.57 16.82% 17.95% 17.80% 18.00% 17.33% 3.92 3.97 4.27 3.90 2.95 6.59% (Annualized) 1.4
Slide 8: Asset Quality
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Asset Quality Gross NPA% Net NPA% 4.98% 4.48% 0.60% 4.09% 3.95% 0.46% 0.41% 3.78% 0.40% 0.38% 0.36% 3.45% 0.32% 0.29% 0.28% 3.19% 2.95% 2.78% June'24 Sept'24 Dec'24 Mar'25
Slide 9: Asset Quality
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Asset Quality PCR%- (Incl. TWO) PCR%- (excl TWO) Credit Cost % 0.46% 0.32% 0.30% 95.90% 96.67% 96.77% 96.82% 96.88% 96.91% 96.99% 97.14% 97.23% 0.25% 0.21% 0.12% 0.14% 0.0
Slide 10: Business Mix
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Business Mix Growth % Global Business Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Business 2719276 2969685 2997970 1.0% 10.2% 1a Overseas Bu
Slide 11: Deposits
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Deposits Growth % Domestic Deposit Mix – June’26 Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Deposits (2+3) 1589379 1711126 1724837 0.8% 8.5
Slide 12: Advances
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Advances Growth % Domestic Credit Mix – June’26 Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Advances (2+3) 1129898 1258559 1273132 1.2% 12.7
Slide 13: Retail Advances
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Retail Advances Retail* Home Loan* YoY Gr.: 17.5% YoY Gr.: 11.9% 132840 233532 243608 251729 257064 129832 218842 127364 124099 118708 June'25 Sept'25 Dec'25 Mar'26 June'2
Slide 14: Government Flagship Schemes
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Government Flagship Schemes As on June’26 Amt in Rs. PM SURYA GHAR YOJANA Amt in Rs. No. of Q1 FY26 Q1 FY27 Amount Crore Crore A/c Sanctioned 5850 5660 Sanctioned 179031 3249 Disbursed 5
Slide 15: Financial Inclusion Performance
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Financial Inclusion Performance Nos in lakhs Nos in lakhs Nos in lakhs ➢ SLBC- 5 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Atal Pension Yojana (APY) Bima Yojana (PMJJBY) Bima Y
Slide 16: External Rating Portfolio & Advances on Benchmark Rates
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Portfolio > Rs.25 Crore Advances Mix of Benchmark rate June’25 Mar’26 June’26 Sl. Rating Grade Amt. % Share Am
Slide 17: Diversified Industry Portfolio & Energy Sector
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Diversified Industry Portfolio & Energy Sector June’25 Mar’26 June’26 % to % to % to Energy Sector Sl. Industry O/s Domestic O/s Domestic O/s Domestic External Rating Stan
Slide 18: NBFC Sector
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore NBFC Sector External Rating Wise Portfolio – As on 30.06.2026 As on Key Sectors Housing Finance Companies PSUs & PSU backed June’25 Mar’26 June’26 NBFC 167751 209829 22171
Slide 19: Investment Portfolio
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Investment Portfolio Sl. Parameters June’25 Mar’26 June’26 1 Gross Domestic Investment 505731 488441 481990 2 SLR 372728 350825 346707 2a SLR as % to Dom. Investment (2/1)
Slide 20: Non SLR Investment
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Non SLR Investment June’25 Mar’26 June’26 Sl. Parameters O/S % Share O/S % Share O/S % Share 1 PSU Bonds 34198 25.7% 31069 22.6% 30215 22.3% 2 Corporate and Other Bonds &
Slide 21: Balance Sheet-Liabilities & Assets
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Balance Sheet-Liabilities & Assets Sl. Parameters 30th June’25 31st Mar’26 30th June’26 CAPITAL & LIABILITIES 1 Capital 2299 2299 2299 2 Reserves and Surplus 129668 140351
Slide 22: Income
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Income Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Interest Income (2+3+4) 31964 32157 32897 740 2.3% 933 2.9% 2 Interest on Advance
Slide 23: Expenses
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Expenses Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Total Interest Paid (2+3+4) 21386 21776 22099 323 1.5% 713 3.3% 2 Interest Paid
Slide 24: Profit & Provisions
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB Amt ₹ in Crore Profit & Provisions Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Net Interest Income 10578 10380 10798 418 4.0% 220 2.1% 2 Other Inco
Slide 25: Efficiency Ratios (Quarter)
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB (Annualized) Efficiency Ratios (Quarter) Global Domestic Cost of Deposits [%] Cost of Funds [%] NIM [%] 5.33% 5.35% 4.70% 4.70% 2.70% 2.84% 2.50% 2.64% 5.05% 5.05% 4.99% 5.02% 4.44% 4.41
Slide 26: Profitability/Productivity Ratios
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics Award /GB/RRB (Annualized) Profitability/Productivity Ratios Q1 Q4 Q1 Sl. Key Ratios FY26 FY26 FY27 1 Return on Assets [%] 0.37% 1.06% 1.04% 2 Return on Equity [%] 6.59% 18.00% 17.33% 3 Book Value per
Slide 27: SMA 2 Accounts (> Rs 5.00 Crore)
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore SMA 2 Accounts ( > Rs 5.00 Crore) June’25 Mar’26 June’26 Sl. CATEGORY % of Domestic % of Domestic % of Domestic SMA2 SMA2 SMA2 Advances Advances Advances 1 Retail Loans 43
Slide 28: Movement of NPA
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Movement of NPA Sl. Parameters Q1 FY’26 Q4 FY’26 Q1 FY’27 1 NPA at the beginning of Year/Quarter 44082 39314 37124 2 Cash Recovery & Up-gradation (2a+2b) 1662 1690 1589 2a
Slide 29: Asset Classification
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Asset Classification June’25 Mar’26 June’26 YoY Variation Sl. Parameters O/S Share% O/S Share% O/S Share% Amt. Variation 1 Standard 1087225 96.22% 1221435 97.05% 1237752 9
Slide 30: Slippages & Recoveries
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Slippages & Recoveries Sector wise Fresh Slippage (Quarter) Recovery v/s Slippages 2673 Q1 Q4 Q1 Period FY 26 FY 26 FY 27 1996 1792 Net Recovery 3356 4082 2789 1069 1106 N
Slide 31: NPA Classification - Sector Wise
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore NPA Classification - Sector Wise June’25 Mar’26 June’26 Sl. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 262219 2692 1.03% 280779
Slide 32: NPA Classification - Industry Wise
Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore NPA Classification- Industry Wise June’25 Mar’26 June’26 Sl. Diversified Industry Portfolio O/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure 102131 1075 1.
Slide 33: Shareholding and Ratings
Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Shareholding and Ratings INTERNATIONAL RATINGS Shareholding as on 30.06.2026 Total No. of Shares: 1149.29 Crores Baa3/P-3/ BBB-/F3/ Stable Stable Resident Individual , Others, 7.00% 0.9
Slide 34: Capital Adequacy
Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Amt ₹ in Crore Capital Adequacy Capital & CRAR CRAR % Sl. Parameters June’25 Mar’26 June’26 1 Total Capital (Tier 1+2) 149051 159897 166377 CRAR % 17.50% 17.74% 18.13% Out of Which, 2 T
Slide 35: Augmenting Digital Base
Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Augmenting Digital Base PNB One Activated Users PNB One BIZ Activated Users WhatsApp Banking Users (in Lakhs) (in Lakhs) (in Lakhs) (375+ features) (210+ features) (90+ features) 270 3.
Slide 36: Progress Under Major Digital Offerings – Digital Lending
Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Progress Under Major Digital Offerings – Digital Lending Digital Lending Performance Digital Lending Products Digital Sanctions – Q1 FY 27 ₹ 4148.99 Crores RETAIL (110474 Accounts) 1. D
Slide 37: Progress Under Major Digital Offerings
Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Progress Under Major Digital Offerings Central Bank Digital Currency (CBDC) New Initiatives Undertaken Way Forward ➢ Forex Purchase through PNB One ➢ UPI in PNB One Biz ➢ Enhancement of
Slide 38: Catalyzing Decisions: The Analytical Edge
Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Catalyzing Decisions : The Analytical Edge ‘Project Sentinel’-Tracing the Mule Network Thread Analysing complex peer-to-peer fund flows to expose hidden mule topologies and pre-empt coo
Slide 39: Human Resource Initiatives
Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Human Resource Initiatives Strategic Partnerships with New HRMS Mobile APP – Industry and Academic Leaders PNB SAKSHAM The Bank has partnered with 29 industry Revamped HRMS Mobile appli
Slide 40: Distribution Network
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award As on 30.06.2026 Distribution Network INTERNATIONAL PRESENCE Branches (Domestic) ATM BCs Branches at: Dubai and Gift City, Gandhinagar 10359 10605 33284 Subsidiaries: London (UK) and Bhu
Slide 41: Group Structure of the Bank
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Group Structure of the Bank PNB Subsidiaries Associates & Joint Venture Domestic Foreign Domestic Foreign RRB 35% stake in each one:- 1. PNB Cards & Services 1. PNBIL, London - 1. PNB Ho
Slide 42: Performance of Subsidiaries, Associates, Joint Venture & RRBs
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Performance of Subsidiaries, Associates, Joint Venture & RRB’s Performance of RRBs Results Total Total Gross Net Name of the entity (3/6/9/12 M) Income Expenses Profit Pro
Slide 43: ESG Highlights
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award ESG Highlights Environmental Social Governance ✓ To encourage sustainable housing, the Bank ✓ “DIGI PNB SHRAM SAATHI” – Consumption ✓ ISO 9001:2015 certification obtained by key has intr
Slide 44: ESG – Green Initiatives
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award ESG – Green Initiatives Shortlisted for the RBI Expanding the clean energy Regulatory Sandbox under the footprint, the bank completed Sustainable Financing theme "Sustainable Finance Gre
Slide 45: Rewards & Accolades
Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Rewards & Accolades Golden Peacock National Training APY Annual Awards: Excellence Achiever Platinum for Treasury Transformation at the Award for the year 2026 for FY 2025-26 targets, aw
Slide 46: Guidance for FY'27 vs Actuals for June'26
Guidance for FY’27 vs Actuals for June’26 Parameters Guidance for FY’27 June’26 (Actuals) Credit Growth % (YoY) 12%-13% 12.7% Deposit Growth % (YoY) 9%-10% 8.5% CASA Share % 38% 36.7% Operating Profit Gr % (YOY) 9%-10% 6.2% Net Interest Income Gr % (YOY) 7% 2.1% NIM % 2.60%-2.70% 2.50% Gross NPA % <
Slide 47: Disclaimer
Disclaimer “This representation contains certain forward-looking statements apart from historical information. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking
Slide 48: Thank You
5,32,000 34,84,289 2,35,760 53,500 4,70,546 Thank You 11,94,090
Punjab National Bank — Q1 FY2027 Earnings Presentation on 6ix