Punjab National Bank — Investor Meet, 24-07-2026: Analysts/Institutional Investor Meet/Con. Call Updates

PNB's Q1 FY27 results indicate strong performance with **Net Profit at 5,253 Cr**. Core advances grew 15.4% YoY, driven by robust retail, agri, and MSME segments. Asset quality significantly improved, with **Gross NPA at 2.78% (down from 3.78% YoY) and Net NPA at 0.28% (down from 0.38% YoY)**. Domestic NIM increased to 2.64%. The bank is prudently building a **2,435 Cr floating provision** towards an estimated 9,500-10,000 Cr one-time ECL provisioning. Digital adoption is rapidly accelerating. Management expresses confidence in consistent growth, profitability, and asset quality enhancement.