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Punjab National Bank (PNB) investor relations material
Punjab National Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary18 Oct, 2025
Executive summary
Gross business reached INR 27.8 trillion as of September 2025, up 10.6% year-over-year, with deposits at INR 16.17 trillion (+10.9%) and advances at INR 11.7 trillion (+10.1%).
Net profit for Q2 FY26 rose 14% year-over-year to ₹4,904 crore, with operating profit up 5.46% YoY at ₹7,227 crore.
CASA ratio improved to 37.29%, with 2.76 million new CASA accounts and INR 18,200 crore in balances added in H1 FY26.
RAM advances (retail, agriculture, MSME) now comprise 56.8% of domestic advances, up from 55.8% a year ago.
Digital transactions account for 95% of total, with significant growth in UPI and WhatsApp banking users.
Financial highlights
Standalone net profit for Q2 FY26 was ₹4,903.73 crore, up from ₹4,303.46 crore in Q2 FY25.
Operating profit for Q2 FY26 was INR 7,227 crore, up 5.46% year-over-year.
EPS (not annualized) for Q2 FY26 was 4.27, up from 3.90 in Q2 FY25.
Cost-to-income ratio improved to 51.20% from 54.58% year-over-year.
Treasury income remained strong at around INR 1,800 crore per quarter.
Outlook and guidance
Credit growth guidance maintained at 11–12% for FY26, with a strong sanction pipeline of INR 1.78 trillion.
NIM expected to improve by 5 bps in Q3 and 10+ bps in Q4 as deposit repricing benefits materialize.
ROA target for FY26 is around 1.10%, with further improvement expected in FY27.
Gross NPA guidance for FY26 is below 3%, and net NPA below 0.35%.
Recovery guidance for FY26 is INR 16,000 crore, with Q3 expected at INR 4,500 crore.
Outline strategy for 60% RAM share
Detail ECL transition impact on CRAR and P&L
Explain new data center's operational impact
M&A and IPO financing strategy?
Gross NPA reduction strategy for FY26?
Outlook on sustaining OpEx reduction?
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Next Punjab National Bank earnings date
Q3 25/2630 Jan, 2026
Next Punjab National Bank earnings date
Q3 25/2630 Jan, 2026
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