Punjab National Bank Q2 FY27 Consolidated Net Profit Rs. 556114 lacs
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 16 Oct 2026, 04:23 PM IST · BSE ID: 353c444b-0489-471b-b267-27df84170c91
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab National Bank's board approved its latest financial results, showing improved profit and better asset quality for the quarter.
🤖 AI Summary
- Punjab National Bank Board approved Q2 FY27 unaudited consolidated financial results on October 16, 2026.
- Consolidated net profit for the quarter ended September 30, 2026, was Rs. 556114 lacs.
- Gross Non-Performing Assets (NPA) ratio decreased to 2.55% as of September 30, 2026.
- Net Non-Performing Assets (NPA) ratio improved to 0.25% as of September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Consolidated Net Profit (Q2 FY27)
Rs. 556114 lacs
Consolidated Net Profit (Q1 FY27)
Rs. 525329 lacs
Gross NPAs (%) (Sep 30, 2026)
2.55%
Net NPAs (%) (Sep 30, 2026)
0.25%
Capital Adequacy Ratio - Basel-III (%) (Sep 30, 2026)
18.11%
Equity Share Capital (Sep 30, 2026)
Rs. 229859 lacs
🏢 How This Affects the Company
The reduction in Gross and Net NPA ratios indicates an improvement in the quality of the bank's loan book, which can support sustained lending operations.
Consolidated net profit increased to Rs. 556114 lacs for Q2 FY27, contributing to earnings. The lower NPA provisions impact profitability positively.
A decrease in Gross NPA to 2.55% and Net NPA to 0.25% signals reduced credit risk exposure for the bank.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results disclosure.
👤
Who Is Affected
All shareholders are affected by the bank's financial performance, specifically the increase in consolidated net profit to Rs. 556114 lacs and improved asset quality metrics.
🔍
Management Signal
The approval of financial results with improved asset quality metrics signals management's focus on strengthening the bank's financial health and reducing credit risk.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — monitor Net Profit and asset quality trends.
RBI regulatory updates — observe impact on provisioning and stressed assets.
Annual financial results for FY27 — assess full-year performance and guidance.
MEDIUM RISK
While asset quality improved, resolution plans for stressed assets continue to require significant provisions.
💡 Investor Takeaway
Punjab National Bank’s consolidated net profit for Q2 FY27 increased to Rs. 556114 lacs from Rs. 525329 lacs in Q1 FY27. Gross NPA ratio improved to 2.55% on September 30, 2026, from 2.78% on June 30, 2026. Net NPA ratio also reduced to 0.25% from 0.28% over the same period.
⚖️ Strengths & Concerns
✅ Positives
- Consolidated Net Profit for Q2 FY27 was Rs. 556114 lacs, increasing from Rs. 525329 lacs in the prior quarter.
- Gross NPA ratio improved to 2.55% as of September 30, 2026, from 2.78% as of June 30, 2026.
⚠️ Concerns
- Exposure to accounts classified as standard due to resolution plans for COVID-19 related stress remains at Rs. 4279.65 Crore as of September 30, 2026.
- Total additional provision held for 14 borrowers with banking exposure of Rs. 1,500.00 Crore and above stands at Rs. 2252.29 Crore as on September 30, 2026.
📅 Company Track Record
In Q1 FY27, Punjab National Bank reported a standalone net profit of Rs. 525329 lacs and a consolidated net profit of Rs. 533915 lacs. Global business for FY26 reached Rs. 28,91,528 million with 10.79% growth. Capital Adequacy Ratio for FY26 was 17.74%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Punjab National Bank's consolidated net profit in Q2 FY27?
Punjab National Bank's consolidated net profit for the quarter ended September 30, 2026, was Rs. 556114 lacs.
How did Punjab National Bank's Gross NPA ratio change in Q2 FY27?
The Gross Non-Performing Assets (NPA) ratio for Punjab National Bank improved to 2.55% as of September 30, 2026, from 2.78% as of June 30, 2026.
What was Punjab National Bank's Net NPA ratio as of September 30, 2026?
Punjab National Bank's Net Non-Performing Assets (NPA) ratio was 0.25% as of September 30, 2026.
What was Punjab National Bank's Capital Adequacy Ratio (Basel-III) as of September 30, 2026?
Punjab National Bank reported a Capital Adequacy Ratio (Basel-III) of 18.11% as of September 30, 2026.
Questions based on this BSE filing only. For information purposes.