Punjab National Bank Q2 FY27 Net Profit up 12.8% to ₹5,532 Crore
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 16 Oct 2026, 04:33 PM IST · BSE ID: 7f214a69-8ee4-488e-8a1c-bfd1052107c3
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab National Bank reported higher profits and business growth, while its bad loans percentage decreased in the last quarter.
🤖 AI Summary
- Net Profit increased 12.8% Y-o-Y to ₹5,532 Crore in Q2 FY27 from ₹4,904 Crore in Q2 FY26.
- Global Business grew 11.9% Y-o-Y to ₹31,18,434 Crore as on September 2026.
- Gross NPA ratio improved to 2.55% as on September 2026 from 3.45% as on September 2025.
- Net NPA ratio improved to 0.25% as on September 2026 from 0.36% as on September 2025.
- CRAR increased to 17.95% as on September 2026 from 17.19% as on September 2025.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit (Q2 FY27)
₹ 5,532 Crore
12.8%
Net Profit (Q2 FY26)
₹ 4,904 Crore
Global Business (September'26)
₹31,18,434 Crore
11.9%
Global Deposits (September'26)
₹ 17,77,240 Crore
9.9%
Global Advances (September'26)
₹ 13,41,194 Crore
14.7%
GNPA ratio (September'26)
2.55%
-90 bps
NNPA ratio (September'26)
0.25%
-11 bps
CRAR (September'26)
17.95%
🏢 How This Affects the Company
Global Business expanded by 11.9% Y-o-Y to ₹31,18,434 Crore, driven by 9.9% growth in deposits and 14.7% growth in advances.
Net Profit rose by 12.8% Y-o-Y to ₹5,532 Crore. Asset quality improved with Gross NPA ratio declining by 90 bps to 2.55% and Net NPA ratio by 11 bps to 0.25% year-on-year.
Digital transactions increased 31% Y-o-Y to 408 Crore in Q2 FY27, accounting for approximately 95.7% of total transactions, indicating operational efficiency gains through digitalization.
The improvement in GNPA ratio by 90 bps to 2.55% and NNPA ratio by 11 bps to 0.25% suggests reduced credit risk exposure for the bank.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results press release.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, specifically the 12.8% Y-o-Y increase in Net Profit to ₹5,532 Crore and the improved asset quality.
🔍
Management Signal
The focus on improving asset quality and expanding digital services indicates management's intent to enhance financial health and operational efficiency.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — assess sustained profit and asset quality trends.
Upcoming investor calls — gain insights into management's future outlook.
Regulatory updates — monitor any new banking sector policies.
LOW RISK
Financial results indicate improving asset quality and profitability, reducing immediate financial risks.
💡 Investor Takeaway
Punjab National Bank's Q2 FY27 Net Profit increased by 12.8% Y-o-Y to ₹5,532 Crore. Global business grew 11.9% to ₹31,18,434 Crore. Gross NPA ratio improved to 2.55% and Net NPA ratio to 0.25% as on September 2026.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit rose 12.8% Y-o-Y to ₹5,532 Crore in Q2 FY27, demonstrating increased profitability compared to the prior year.
- Gross Non-Performing Assets ratio improved by 90 bps Y-o-Y to 2.55% as on September 2026, indicating better asset quality.
⚠️ Concerns
- Slippage ratio stands at 0.77% in Q2 FY27, compared to 0.71% in Q2 FY26, indicating a slight increase in new bad loan formation.
- Global Net Interest Margin improved to 2.58% in Q2 FY27 from 2.50% in Q1 FY27, but no Y-o-Y comparison was provided in the filing.
📅 Company Track Record
Punjab National Bank's Q1 FY27 standalone net profit was Rs. 525329 lacs (₹5,253 Crore), a 213.6% increase, with GNPA at 2.78% and Net NPA at 0.28%. The current Q2 FY27 results show continued profit growth and further improvement in asset quality metrics.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Punjab National Bank's Net Profit in Q2 FY27?
Punjab National Bank's Net Profit for Q2 FY27 was ₹5,532 Crore, representing a Y-o-Y increase of 12.8% from ₹4,904 Crore in Q2 FY26.
How did Punjab National Bank's asset quality change in Q2 FY27?
The Gross NPA ratio improved by 90 bps Y-o-Y to 2.55% as on September 2026, and the Net NPA ratio improved by 11 bps Y-o-Y to 0.25% as on September 2026.
What was the growth in Punjab National Bank's Global Business in Q2 FY27?
Global Business grew by 11.9% on a Y-o-Y basis to ₹31,18,434 Crore as on September 2026, driven by growth in both deposits and advances.
What was Punjab National Bank's CRAR as of September 2026?
Punjab National Bank's CRAR (Capital to Risk-weighted Assets Ratio) increased to 17.95% as on September 2026 from 17.19% as on September 2025.
What was the growth in digital transactions for Punjab National Bank in Q2 FY27?
The number of Digital Transactions increased to 408 Crore in Q2 FY27 from 312 Crore in Q2 FY26, registering a growth of 31% on a Y-o-Y basis.
Questions based on this BSE filing only. For information purposes.