Reviewed Financial Results for quarter ended 30.06.2026
RESULTS
● No Immediate Change
MEDIUM RISK
📅 Filed on BSE: 18 Jul 2026, 12:33 PM IST · BSE ID: c2c0c7a9-a16e-4e0e-a96f-278a96ab2fe2
View Original BSE Filing (PDF)
💡
In Simple Terms
Punjab National Bank's board has approved its latest financial results, showing its profits and loan quality for the past quarter.
🤖 AI Summary
- Punjab National Bank's Board approved unaudited financial results for the quarter ended June 30, 2026.
- Standalone net profit for Q1 FY27 was Rs. 525329 lacs; consolidated net profit reached Rs. 581472 lacs.
- Gross NPA stood at 2.78% and Net NPA at 0.28% on a standalone basis as of June 30, 2026.
- The Bank transferred Rs. 4143.55 crore from Investment Fluctuation Reserve to Other Reserves.
- Total provision for IBC accounts (List 1 & 2) was Rs. 6762.63 Crore as of June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Standalone Net Profit
Rs. 525329 lacs
Consolidated Net Profit
Rs. 581472 lacs
Standalone Gross NPAs (%)
2.78%
Standalone Net NPAs (%)
0.28%
Standalone Capital Adequacy Ratio - Basel-III (%)
18.13%
IFR Transfer to Other Reserves
Rs. 4143.55 crore
🏢 How This Affects the Company
The transfer of Rs. 4143.55 crore from Investment Fluctuation Reserve to Other Reserves strengthens the balance sheet's reserve position. Maintenance of Rs. 6762.63 Crore in provisions for IBC accounts impacts available capital for lending.
The ongoing operation of 8 Digital Banking Units (DBUs) highlights the bank's continued focus on digital service delivery within its retail banking segment.
The bank holds Rs. 6762.63 Crore in provisions for specific IBC accounts, indicating management's approach to credit risk management. Additional provision of Rs. 2377.53 Crore for stressed assets in 15 accounts further addresses potential credit risks.
👥 What This Means For Shareholders
✅
Action Required
No action is required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the disclosed financial performance and the bank's capital position, including the capital adequacy ratio of 18.13% (Standalone).
🔍
Management Signal
Management is focused on maintaining capital adequacy, managing asset quality through provisioning, and complying with RBI guidelines regarding reserves and stressed assets.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results for trend analysis
Updates on stressed asset resolution
Further developments in digital banking expansion
MEDIUM RISK
Risks related to asset quality and provisions, though managed, require continuous monitoring.
💡 Investor Takeaway
Punjab National Bank reported Q1 FY27 standalone net profit of Rs. 525329 lacs and consolidated net profit of Rs. 581472 lacs. Standalone Gross NPA was 2.78% and Net NPA was 0.28%. The bank transferred Rs. 4143.55 crore from IFR to Other Reserves.
⚖️ Strengths & Concerns
✅ Positives
- Standalone Capital Adequacy Ratio (Basel-III) improved to 18.13% in Q1 FY27, up from 17.50% in the prior year comparable quarter.
- Standalone Net NPA ratio decreased to 0.28% as of June 30, 2026, compared to 0.38% as of June 30, 2025.
⚠️ Concerns
- Standalone provisions and contingencies increased to Rs. 54119 lacs in Q1 FY27, up from Rs. 32310 lacs in Q1 FY26.
- Standalone other operating expenses decreased to Rs. 307725 lacs in Q1 FY27, compared to Rs. 360019 lacs in Q1 FY26.
📅 Company Track Record
In FY26, Punjab National Bank's global business reached Rs. 28,91,528 million, growing by 10.79%. The bank's Capital Adequacy Ratio (CAR) was 73.70% as of March 31, 2026. This filing provides current financial performance metrics following these provisional business figures.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Punjab National Bank's standalone net profit for the quarter ended June 30, 2026?
Punjab National Bank's standalone net profit for the quarter ended June 30, 2026, was Rs. 525329 lacs.
What was Punjab National Bank's consolidated net profit for the quarter ended June 30, 2026?
Punjab National Bank's consolidated net profit for the quarter ended June 30, 2026, was Rs. 581472 lacs.
What were Punjab National Bank's Gross and Net NPA percentages on a standalone basis as of June 30, 2026?
As of June 30, 2026, Punjab National Bank's standalone Gross NPA percentage was 2.78%, and the Net NPA percentage was 0.28%.
How much was transferred from Investment Fluctuation Reserve to Other Reserves by Punjab National Bank?
Punjab National Bank transferred Rs. 4143.55 crore from the Investment Fluctuation Reserve to Other Reserves during the quarter ended June 30, 2026.
What was Punjab National Bank's Capital Adequacy Ratio (Basel-III) on a standalone basis as of June 30, 2026?
Punjab National Bank's standalone Capital Adequacy Ratio (Basel-III) was 18.13% as of June 30, 2026.
Questions based on this BSE filing only. For information purposes.