Punjab National Bank — PPTs, 18-07-2026: Investor Presentation

**Business Performance:** PNB kicked off Q1 FY27 with a robust performance, clocking a Net Profit of ₹5,253 Cr, soaring 213.6% YoY. Operating Profit rose 6.2% YoY to ₹7,519 Cr. Global business expanded 10.2% YoY to ₹29.98 Lakh Cr, driven by strong growth in global advances (+12.7% YoY to ₹12.73 Lakh Cr) and deposits (+8.5% YoY to ₹17.25 Lakh Cr). Asset quality significantly improved; Gross NPA stood at 2.78% (down 100 bps YoY) and Net NPA at 0.28% (down 10 bps YoY). Return on Assets hit 1.04%.

**Growth Drivers or Strategy:** The bank's digital push is strong, with growing user bases for PNB One and WhatsApp Banking, alongside significant digital lending, sanctioning ₹19,079 Cr in Q1. Investing in human capital through AR/VR training and AI programs is a key focus. PNB is also advancing its ESG agenda with green housing schemes and renewable energy financing, targeting Net Zero by 2060.

**Recent Developments:** New digital lending products were launched, along with the PNB SAKSHAM HRMS app. The bank introduced a co-branded biodegradable credit card and expanded green energy initiatives.

**Management Commentary / Outlook:** For FY27, PNB targets 12-13% credit growth and 9-10% deposit growth. Management aims to further reduce Gross NPA below 2.50% and maintain RoA above 1%.