PNB Q4 FY26 Net Profit Rises 14.4% to INR5,225 Crores

Punjab National Bank held its Q4 FY26 earnings conference call, reporting a 14.4% YoY rise in net profit to INR5,225 crores and providing guidance for FY27.
The bank highlighted a 12.7% YoY advance growth to INR12.59L cr, improved asset quality with GNPA at 2.95%, and a global NIM of 2.47% for Q4.
Management outlined FY27 targets including 12-13% credit growth, global NIM of 2.6-2.7%, and addressed preparedness for RBI's ECL guidelines with a INR2,045 cr floating provision.
Digital initiatives were emphasized, with over INR1L cr sanctioned digitally and a focus on expanding the RAM (Retail, Agri, MSME) portfolio to improve profitability.