Slippage ratio improved by 3 bps on Y-o-Y basis to 0.68% as on Q1 FY’27 from 0.71% as on Q1 FY’26.
FinTech BizNews Service
Mumbai, July 18, 2026: Punjab National Bank (PNB) announced its Q1 Financial Results for FY’27 today.
Net Profit increased Y-o-Y by 213.6% to Rs5,253 Crore in Q1 FY'27 as against Rs1,675
Crore in Q1 FY'26.
RoA increased by 67 BPS at 1.04% in Q1 FY’27 over Q1 FY’26.
Global Net Interest Margin improved to 2.50% in Q1 FY’27 from 2.47% in Q4 FY’26.
CRAR increased to 18.13% as on June’26 from 17.50% as on June’25.
Book value per share (Tangible) Rs108.58 in June’26 from Rs92.64 in June’25.
Global Business grew by 10.2% on Y-o-Y basis to Rs29.98 Lakh Crore as on June26 from Rs27.19 Lakh Crore as on June 25.
Global Deposits increased by 8.5% on Y-o-Y basis to Rs17.24 Lakh Crore as on June’26 from Rs15.89 Lakh Crore as on June'25.
Global Advances increased by 12.7% on Y-o-Y basis to Rs 12,73,132 Crore as on June'26 from Rs11,29,898 Crore as on June'25.
CD Ratio stood at 73.8% as on June'26 as against 71.1% in June’25.
GNPA ratio improved by 100 bps on Y-o-Y basis to 2.78% as on June'26 from 3.78% as on June 25. On sequential basis it has improved by 17 bps in June’26.
NNPA ratio improved by 10 bps on Y-o-Y basis to 0.28% as on June'26 from 0.38% as on June'25. On sequential basis it has improved by 1 bps in June’26.
Slippage ratio improved by 3 bps on Y-o-Y basis to 0.68% as on Q1 FY27 from 0.71% as on Q1 FY’26.
Deposits
Savings Deposits increased to Rs 5,33,798 Crore registering a Y-o-Y growth of 7.2%.
Current Deposits stood at Rs 79,318 Crore as on June’26 registering a Y-o-Y growth of 12.3%.
CASA Deposits increased to Rs6,13,116 Crore recorded a Y-o-Y growth of 7.8% as on June’26.
CASA Share of the bank stands at 36.7% as on June’26.
Advances
Core Retail Advances recorded a Y-o-Y growth of 17.5%.
Housing Loan grew by 11.9% Y-o-Y to Rs1,32,840 Crore.
Vehicle loan grew by 34.4% Y-o-Y to reach Rs36,599 Crore.
Agriculture PS Advances grew by 16.4 % on Y-o-Y basis to Rs1,61,668 Crore.
MSME Advances increased Y-o-Y by 19.8% to Rs2,03,025 Crore.
Asset Quality
Gross Non-Performing Assets (GNPA) declined by Rs 7,292 Crore to Rs35,381
Crore as on June’26 from Rs42,673 Crore as on June’25.
Net Non-Performing Assets (NNPA) declined by Rs699 Crore to Rs3,433 Crore as
on June’26 from Rs4,132 Crore as on June’25.
Profitability
Operating Profit at Rs7,519 Crore for Q1 FY’27 increased from Rs 7,081 Crore for
Q1 FY’26, recording a growth of 6.2% on Y-o-Y basis.
Interest Income on Advances at Rs23,061 Crore for Q1 FY’27 increased from
Rs21,664 Crore for Q1 FY’26 recording a growth of 6.4% on Y-o-Y basis.
Total Interest Income at Rs32,897 Crore for Q1 FY’27 increased from Rs
32,157Crore for Q4 FY’26, recording a growth of 2.3% on Q-o-Q basis.
Net Interest Income has increased by 2.1% on Y-o-Y basis to Rs10,798 Crore in Q1
FY’27.
Fee based income of the Bank is at Rs 2,339 Crore for Q1 FY’27 increased from
Rs1,956 Crore for Q4 FY’26, recording a growth of 19.6% on Q-o-Q basis.
Efficiency/Productivity
Business per employee improved to Rs29.71 Crore as on June’26 from Rs27.30
Crore as on June’25.
Business per branch improved to Rs 278.28 Crore as on June’26 from Rs257.39
Crore as on June’25.
Net profit per employee stands at Rs21.71 Lakhs as on Q1 FY’27.
Net profit per branch stands at Rs203.37 Lakhs as on Q1 FY’27.
Financial Inclusion
PMJDY accounts increased to 573.46 Crore as on June’26 from 539 Crore as on June’25.
