What was filed
Punjab National Bank released a press release on its unaudited (reviewed) financial results for the quarter ended 30 June 2026 (Q1 FY27), filed under Regulation 30 of SEBI's LODR Regulations. Per the filing, the quarter's headline is a steep rise in net profit, supported by improving asset quality and continued growth in the loan book.
Earnings and asset quality
Operating profit rose modestly year-on-year while net profit grew far faster — a gap the numbers tie to lower provisioning as bad loans fell. Both the gross and net NPA ratios improved year-on-year and sequentially, with absolute reductions in gross and net non-performing assets. Return on assets and the capital adequacy ratio (CRAR) both strengthened over the year, per the filing.
Balance sheet and business mix
Global business crossed ₹29.98 lakh crore, with both deposits and advances growing year-on-year. The filing notes stronger momentum on the lending side than on deposits — advances grew 12.7% against deposit growth of 8.5% — lifting the credit-deposit ratio. Within retail, the bank flagged particularly fast growth in vehicle loans and MSME advances, while CASA share stood at 36.7%.