Punjab National Bank — Investor Meet, 12-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

PNB's Q4 FY26 showed solid growth: Global business hit **INR 29,70,000 Cr** (+10.7% YoY), advances **INR 12,59,000 Cr** (+12.7% YoY), and deposits **INR 17,11,000 Cr** (+9.2% YoY). Net profit surged **14.4% YoY to INR 5,225 Cr**. Asset quality significantly improved, with GNPA at **2.95%** and NNPA at **0.29%**. Management targets FY27 global NIMs of **2.6-2.7%**, driven by Retail, Agri, MSME (RAM) growth and digital expansion. Bank maintains strong capital (CRAR **17.74%**) and sufficient provisions for upcoming ECL norms. Confident outlook on consistent performance.