Profitability Performance

Q2 FY27 Financial Highlights:

  • Net Profit: ₹5,532 crore, up 12.8% YoY from ₹4,904 crore in Q2 FY26
  • Return on Assets (RoA): 1.05% (stable YoY from 1.05%)
  • Operating Profit: ₹7,532 crore for Q2 FY27, up 4.2% YoY
  • Net Interest Income: ₹11,601 crore for Q2 FY27, up 10.8% YoY
  • Total Income: ₹38,185 crore for Q2 FY27, up 5.4% YoY
  • Total Interest Income: ₹34,585 crore for Q2 FY27, up 8.5% YoY
  • Fee-based Income: ₹1,954 crore for Q2 FY27, up 16.0% YoY from ₹1,685 crore

H1 FY27 Financial Highlights:

  • Operating Profit: ₹15,051 crore, up 5.2% YoY
  • Net Interest Income: ₹22,400 crore, up 6.4% YoY
  • Total Income: ₹75,416 crore, up 2.7% YoY
  • Total Interest Income: ₹67,482 crore, up 5.7% YoY

Business Growth and Metrics

Global Business Performance:

  • Global Business: ₹31,18,434 crore as of September 2026, up 11.9% YoY from ₹27,86,673 crore
  • Global Deposits: ₹17,77,240 crore, up 9.9% YoY from ₹16,17,080 crore
  • Global Advances: ₹13,41,194 crore, up 14.7% YoY from ₹11,69,592 crore
  • Credit-Deposit Ratio: 75.5% (up from 72.3% in September 2025)
  • Global Net Interest Margin: 2.58% in Q2 FY27 (improved from 2.50% in Q1 FY27)

Deposit Breakdown:

  • Savings Deposits: ₹5,42,893 crore, up 6.7% YoY
  • Current Deposits: ₹83,053 crore, up 11.9% YoY
  • CASA Deposits: ₹6,25,945 crore, up 7.3% YoY
  • CASA Ratio: 36.6% as of September 2026

Advances Portfolio Growth:

  • Retail Advances (excl. IBPC): 16.3% YoY growth
  • Housing Loan: ₹1,41,836 crore, up 14.3% YoY
  • Vehicle Loan: ₹38,234 crore, up 29.6% YoY
  • Agriculture PS Advances: ₹1,71,156 crore, up 18.1% YoY
  • MSME Advances: ₹2,14,619 crore, up 19.8% YoY

Asset Quality Improvement

Non-Performing Assets:

  • Gross NPA: ₹34,190 crore as of September 2026 (down ₹6,153 crore from ₹40,343 crore in September 2025)
  • Net NPA: ₹3,313 crore as of September 2026 (down ₹713 crore from ₹4,026 crore in September 2025)
  • GNPA Ratio: 2.55% (improved 90 bps from 3.45% YoY)
  • NNPA Ratio: 0.25% (improved 11 bps from 0.36% YoY)
  • Provision Coverage Ratio (including TWO): 97.32% (improved 41 bps from 96.91% YoY)
  • Slippage Ratio: 0.77% in Q2 FY27 (compared to 0.71% in Q2 FY26)

Capital Adequacy

  • CRAR: 17.95% as of September 2026 (improved from 17.19% in September 2025)
  • Book Value per Share (Tangible): ₹111.94 (improved from ₹95.92 in September 2025)

Efficiency and Productivity Metrics

  • Business per Employee: ₹30.66 crore (improved from ₹27.62 crore YoY)
  • Business per Branch: ₹285.18 crore (improved from ₹263.06 crore YoY)
  • Net Profit per Employee: ₹22.51 lakh in Q2 FY27 (improved from ₹19.97 lakh YoY)
  • Net Profit per Branch: ₹209.37 lakh in Q2 FY27 (improved from ₹190.18 lakh YoY)

Distribution Network

  • Total Touch Points: 53,672 as of 30th September 2026
  • Domestic Branches: 10,481
  • International Branches: 2
  • Branch Distribution:
  • Metro: 1,793 branches (17.1%)
  • Urban: 2,071 branches (19.7%)
  • Semi Urban: 2,638 branches (25.2%)
  • Rural: 3,979 branches (38.0%)
  • ATMs: 10,915
  • Business Correspondents (BCs): 32,276

Digital Banking Initiatives

  • Digital Transactions: 408 crore in Q2 FY27, up 31% YoY from 312 crore
  • Digital Transaction Share: 95.7% of total transactions in Q2 FY27
  • WhatsApp Banking Users: 143 lakh, up 72% YoY from 83 lakh
  • PNB One (Retail Mobile Banking) Users: 285 lakh, up 19% YoY
  • PNB One Biz (Corporate Mobile Banking) Users: 4.14 lakh, up 112% YoY
  • Digital Lending: Sanctions crossed ₹22,000 crore in Q2 FY27

New Digital Initiatives:

  • Rolled out DIY digital journeys for Saving, Current, and PPF accounts
  • Launched UPI functionality in PNB One BIZ
  • Integrated Credit Card Genie app within PNB One
  • Introduced Family Banking in Retail Internet Banking Services
  • Added multiple nominee facility, Form 15G/H, and BBPS-enabled bill payment services in WhatsApp Banking

Financial Inclusion

  • PMJDY Accounts: 582.78 lakh (up from 550.75 lakh YoY)
  • Jansuraksha Scheme Enrollments:
  • PMJJBY: 99.75 lakh (up from 81.18 lakh)
  • PMSBY: 370.56 lakh (up from 320.97 lakh)
  • APY: 62.69 lakh (up from 50.96 lakh)

Awards and Recognition

  • Runner-Up for 'Best Bank in MSME Acceleration' at 4th ICC Emerging Asia Banking Conclave & Awards
  • 'NCRP Collaboration Excellence Award' from TransUnion CIBIL
  • First Runner-Up in IBA–PNB Case Study Competition, Manthan 2025
  • 'Gold Data Quality Champion Award' from TransUnion CIBIL
  • Two PNB employees part of Indian National Hockey Team that won Gold Medal in Asian Games 2026

Social Media Presence

  • Facebook: 35,41,937 followers
  • X (Twitter): 4,74,197 followers
  • Instagram: 11,98,861 followers
  • LinkedIn: 2,54,681 followers
  • YouTube: 6,16,000 subscribers
  • Threads: 60,042 followers