Punjab National Bank — PPTs, 05-05-2026: Investor Presentation

**Business Performance:** Punjab National Bank (PNB) reported strong Q4 FY26 financial results. Net Profit grew 14.4% YoY to ₹ 5,225 Cr, with Operating Profit up 10.7% YoY to ₹ 7,500 Cr. Global Business expanded 10.7% YoY to ₹ 29.7 lakh Cr, driven by 12.7% growth in Global Advances and 9.2% in Global Deposits. Retail, Agriculture, and MSME (RAM) advances showed robust growth of 12.1% YoY, reaching ₹ 6.76 lakh Cr.

**Growth Drivers & Strategy:** PNB is actively pursuing digital initiatives, with WhatsApp Banking users significantly increasing. Digital lending sanctioned over ₹ 20,872 Cr across retail, agriculture, and MSME segments. The bank is also leveraging advanced analytics for business augmentation and prioritizing ESG (Environmental, Social, and Governance) initiatives.

**Recent Developments:** New digital lending products, including Digi Car Loan and Digi Home Loan, were launched. PNB also introduced new services via PNB One and WhatsApp Banking, along with a Biodegradable RuPay Platinum Credit Card.

**Key Financial Metrics:** Asset quality improved, with Gross NPA dropping 100 bps YoY to 2.95% and Net NPA at 0.29%. Book Value Per Share (Tangible) grew 21.4% YoY to ₹ 102.95.

**Outlook:** PNB targets 12-13% credit growth and 9-10% deposit growth for FY27, aiming for Gross NPA below 2.50% and Return on Assets (ROA) above 1%.