Punjab National Bank
PNBFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
18 transcript(s)/analyst meet(s) served; 6 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (1 of 18 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| COVER_LETTER | 20220519 | 2022-03-31 | no | |
| COVER_LETTER | 20220804 | 2022-06-30 | no | |
| COVER_LETTER | 20221110 | 2022-09-30 | no | |
| COVER_LETTER | 20230203 | 2022-12-31 | no | |
| COVER_LETTER | 20230526 | 2023-03-31 | no | |
| COVER_LETTER | 20230731 | 2023-06-30 | no | |
| TRANSCRIPT | 20231102 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240202 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240516 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240802 | 2024-06-30 | yes | |
| TRANSCRIPT | 20241102 | 2024-09-30 | yes | |
| TRANSCRIPT | 20250204 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250513 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250805 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251027 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260127 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260512 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260724 | 2026-06-30 | yes |
PNB
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 117.12 |
| 52-week range | 99.49 – 132.36 |
| Return 1M | 1.03% |
| Return 3M | 8.58% |
| Return 1Y | 5.5% |
| Return 3Y | 46.03% |
| Return 5Y | 209.02% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 33,589.00 |
| Interest on advances and bills | 23,288.00 |
| Income on investments | 8,527.00 |
| Interest on balances with the RBI and interbank funds | 1,350.00 |
| Other interest | 424.00 |
| Interest expended | 22,583.00 |
| Other income | 4,365.00 |
| Total income | 37,954.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.70 | 0.00 |
| institutions foreign | 0.06 | -0.00 |
| institutions domestic | 0.16 | 0.00 |
| mutual funds | 0.07 | 0.00 |
| public | 0.30 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| COVER_LETTER | 2023-06-30 | 6 |
| TRANSCRIPT | 2026-06-30 | 12 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Net cash from operating activities | -8,363.00 | -55,243.00 | -27,939.00 | -12,012.00 | 4,923.00 | 25,635.00 |
| Net cash from investing activities | -268.00 | -862.00 | -1,506.00 | -486.00 | -1,632.00 | -609.00 |
| Net cash from financing activities | -1,388.00 | 3,570.00 | 3,518.00 | -288.00 | -5,786.00 | -11,664.00 |
| Purchase of property, plant and equipment | 268.00 | 500.00 | 1,144.00 | 500.00 | 666.00 | 1,625.00 |
| Net increase in cash | -10,019.00 | -52,535.00 | -25,928.00 | -12,786.00 | -2,495.00 | 13,362.00 |
| con:CFO.BEFORE_TAX | -7,975.00 | -54,293.00 | -26,843.00 | -10,041.00 | 1,639.00 | 25,667.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 396.00 | 950.00 | 1,875.00 | 1,971.00 | -3,284.00 | 31.00 |
| con:CF_OTHER.OPERATING | 9.00 | 0.00 | 778.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 13.00 | 48.00 | 42.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 974.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 361.00 | 363.00 | 0.00 | 1,014.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 20,588.00 | 26,858.00 | 27,852.00 | 28,682.00 | 29,145.00 | 30,447.00 | 31,895.00 | 32,572.00 | 32,513.00 | 32,889.00 | 32,798.00 | 33,589.00 |
| Interest on advances and bills | 13,643.00 | 18,622.00 | 19,749.00 | 20,257.00 | 20,605.00 | 21,357.00 | 22,403.00 | 21,843.00 | 22,104.00 | 22,903.00 | 22,696.00 | 23,288.00 |
| Income on investments | 6,448.00 | 7,431.00 | 7,414.00 | 7,378.00 | 7,654.00 | 8,105.00 | 8,116.00 | 8,852.00 | 8,981.00 | 8,538.00 | 8,465.00 | 8,527.00 |
| Interest on balances with the RBI and interbank funds | 392.00 | 712.00 | 596.00 | 789.00 | 705.00 | 817.00 | 853.00 | 1,040.00 | 1,008.00 | 1,022.00 | 1,241.00 | 1,350.00 |
| Other interest | 104.00 | 93.00 | 93.00 | 259.00 | 180.00 | 168.00 | 522.00 | 837.00 | 419.00 | 426.00 | 396.00 | 424.00 |
| Interest expended | 12,172.00 | 16,820.00 | 17,444.00 | 18,206.00 | 18,536.00 | 19,790.00 | 20,738.00 | 21,828.00 | 21,858.00 | 22,164.00 | 22,219.00 | 22,583.00 |
| Other income | 2,704.00 | 2,999.00 | 2,676.00 | 4,294.00 | 3,615.00 | 4,664.00 | 3,392.00 | 5,427.00 | 4,171.00 | 5,013.00 | 4,080.00 | 4,365.00 |
| Total income | 23,292.00 | 29,857.00 | 30,527.00 | 32,976.00 | 32,760.00 | 35,111.00 | 35,286.00 | 37,999.00 | 36,684.00 | 37,903.00 | 36,878.00 | 37,954.00 |
| Employee benefit expense | 3,263.00 | 4,241.00 | 4,206.00 | 5,672.00 | 4,593.00 | 5,798.00 | 5,312.00 | 5,227.00 | 4,808.00 | 5,147.00 | 3,811.00 | 4,598.00 |
| Operating expenses | 5,610.00 | 6,798.00 | 6,705.00 | 8,271.00 | 7,570.00 | 8,312.00 | 7,897.00 | 8,852.00 | 7,671.00 | 8,168.00 | 7,138.00 | 7,708.00 |
| Expenditure excluding provisions and contingencies | 17,782.00 | 23,618.00 | 24,149.00 | 26,477.00 | 26,106.00 | 28,103.00 | 28,635.00 | 30,680.00 | 29,529.00 | 30,332.00 | 29,357.00 | 30,291.00 |
| Operating profit before provisions | 5,510.00 | 6,239.00 | 6,378.00 | 6,500.00 | 6,654.00 | 7,009.00 | 6,652.00 | 7,319.00 | 7,155.00 | 7,570.00 | 7,521.00 | 7,663.00 |
| Provisions and contingencies | 4,883.00 | 3,461.00 | 2,744.00 | 1,560.00 | 903.00 | 280.00 | -403.00 | 345.00 | 628.00 | 1,130.00 | 380.00 | 555.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 626.00 | 2,778.00 | 3,634.00 | 4,940.00 | 5,751.00 | 6,729.00 | 7,055.00 | 6,973.00 | 6,527.00 | 6,440.00 | 7,141.00 | 7,108.00 |
| Tax expense | 263.00 | 1,014.00 | 1,382.00 | 1,839.00 | 2,035.00 | 2,297.00 | 2,406.00 | 5,141.00 | 1,678.00 | 1,250.00 | 1,916.00 | 1,769.00 |
| Profit for the period | 364.00 | 1,765.00 | 2,253.00 | 3,101.00 | 3,716.00 | 4,432.00 | 4,649.00 | 1,832.00 | 4,849.00 | 5,190.00 | 5,225.00 | 5,339.00 |
| Profit attributable to owners | 494.00 | 1,990.00 | 2,433.00 | 3,342.00 | 3,976.00 | 4,714.00 | 4,801.00 | 2,120.00 | 5,125.00 | 5,556.00 | 5,592.00 | 5,815.00 |
| Profit attributable to non-controlling interests | 2.00 | -0.00 | 8.00 | 21.00 | 16.00 | 25.00 | 10.00 | 47.00 | -5.00 | 21.00 | 11.00 | 20.00 |
| con:SHARE_OF_ASSOCIATES | 132.00 | 225.00 | 189.00 | 262.00 | 275.00 | 307.00 | 162.00 | 335.00 | 272.00 | 387.00 | 377.00 | 496.00 |
| Earnings per share, basic | 0.44 | 1.81 | 2.21 | 3.04 | 3.61 | 4.27 | 4.18 | 1.84 | 4.46 | 4.83 | 4.83 | 5.06 |
| Earnings per share, diluted | 0.44 | 1.81 | 2.21 | 3.04 | 3.61 | 4.27 | 4.18 | 1.84 | 4.46 | 4.83 | 4.83 | 5.06 |
Annual results, as filed
| Line | 2024-03-31 | 2026-03-31 |
|---|---|---|
| Interest earned | 109,065.00 | 130,772.00 |
| Interest on advances and bills | 76,516.00 | 89,547.00 |
| Income on investments | 29,187.00 | 34,836.00 |
| Interest on balances with the RBI and interbank funds | 2,823.00 | 4,311.00 |
| Other interest | 539.00 | 2,078.00 |
| Interest expended | 68,534.00 | 88,069.00 |
| Other income | 13,329.00 | 18,691.00 |
| Total income | 122,394.00 | 149,463.00 |
| Employee benefit expense | 18,643.00 | 18,992.00 |
| Operating expenses | 28,809.00 | 31,829.00 |
| Expenditure excluding provisions and contingencies | 97,343.00 | 119,898.00 |
| Operating profit before provisions | 25,051.00 | 29,565.00 |
| Provisions and contingencies | 11,719.00 | 2,483.00 |
| Profit before exceptional items and tax | — | 27,082.00 |
| Exceptional items | 0.00 | 0.00 |
| Profit before tax | 13,332.00 | 27,082.00 |
| Tax expense | 5,003.00 | 9,986.00 |
| Profit for the period | 8,329.00 | 17,096.00 |
| Profit attributable to owners | 9,107.00 | 18,393.00 |
| Profit attributable to non-controlling interests | 50.00 | 74.00 |
| con:SHARE_OF_ASSOCIATES | 828.00 | 1,371.00 |
| Earnings per share, basic | 8.27 | 16.00 |
| Earnings per share, diluted | 8.27 | 16.00 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|
| Capital | 2,202.00 | 2,202.00 | 2,202.00 | 2,299.00 | 2,299.00 | 2,299.00 |
| Reserves and surplus | 98,783.00 | 104,033.00 | 108,185.00 | 124,363.00 | 139,948.00 | 147,674.00 |
| Deposits | 1,201,445.00 | 1,318,264.00 | 1,379,225.00 | 1,468,416.00 | 1,629,131.00 | 1,724,795.00 |
| Borrowings | 73,573.00 | 74,666.00 | 72,586.00 | 94,496.00 | 109,162.00 | 107,558.00 |
| Other liabilities and provisions | 26,031.00 | 32,508.00 | 36,438.00 | 33,079.00 | 40,395.00 | 51,005.00 |
| Total equity and liabilities | 1,402,035.00 | 1,531,673.00 | 1,598,636.00 | 1,722,652.00 | 1,920,935.00 | 2,033,331.00 |
| Cash and balances with the RBI | 74,069.00 | 63,056.00 | 65,325.00 | 67,824.00 | 65,250.00 | 60,882.00 |
| Balances with banks and money at call | 50,105.00 | 41,737.00 | 66,075.00 | 50,790.00 | 83,015.00 | 103,240.00 |
| Investments | 411,113.00 | 444,274.00 | 446,421.00 | 495,604.00 | 531,967.00 | 523,515.00 |
| Advances | 779,107.00 | 896,496.00 | 941,762.00 | 1,027,870.00 | 1,144,448.00 | 1,237,980.00 |
| Property, plant and equipment | 12,234.00 | 12,140.00 | 12,348.00 | 12,369.00 | 15,624.00 | 15,625.00 |
| Other assets | 75,407.00 | 73,969.00 | 66,704.00 | 68,195.00 | 80,631.00 | 92,089.00 |
| Total assets | 1,402,035.00 | 1,531,673.00 | 1,598,636.00 | 1,722,652.00 | 1,920,935.00 | 2,033,331.00 |
Asset quality and capital, as filed
| Line | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-27 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 73.15 | 73.15 | 73.15 | 73.15 | 73.15 | 70.08 | 70.08 | 70.08 | 70.08 | 70.08 | 0.70 | 0.70 | 0.70 | 0.70 |
| Domestic institutions | 13.45 | 13.80 | 13.74 | 12.36 | 10.77 | 11.95 | 11.66 | 14.31 | 14.67 | 15.07 | 0.16 | 0.16 | 0.16 | 0.16 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 5.12 | 0.06 | 0.06 | 0.06 | 0.07 |
| Insurance companies | 8.72 | 8.91 | 8.88 | 8.89 | 8.72 | 8.54 | 8.54 | 8.89 | 9.91 | 9.83 | 0.10 | 0.10 | 0.09 | 0.09 |
| Foreign institutions | 1.82 | 2.65 | 3.10 | 4.82 | 5.51 | 8.32 | 8.41 | 5.70 | 5.70 | 5.52 | 0.06 | 0.06 | 0.06 | 0.06 |
| Government | — | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 26.85 | 26.85 | 26.85 | 26.85 | 26.85 | 29.92 | 29.92 | 29.92 | 29.92 | 29.92 | 0.30 | 0.30 | 0.30 | 0.30 |
| Non-institutional | 11.58 | 10.40 | 10.00 | 9.67 | 10.57 | 9.65 | 9.84 | 9.91 | 9.54 | 9.33 | 0.09 | 0.08 | 0.07 | 0.08 |
| Shares outstanding | 11011015558 | 11011015558 | 11011015558 | 11011015558 | 11011015558 | 11492943268 | 11492943268 | 11492943268 | 11492943268 | 11492943268 | 11492943268 | 11492943268 | 11492943268 | 11492943268 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Bangiya Gramin Vikash Bank | Associate | Any other transaction, Interest paid | 36,307,274,000.00 | 8 |
| Dakshin Bihar Gramin Bank | Associate | Any other transaction, Interest paid, Interest recei | 28,870,921,000.00 | 8 |
| Sarva Haryana Gramin Bank | Associate | Any other transaction, Interest paid, Interest recei | 17,895,512,000.00 | 8 |
| PNB Gilts Ltd. | Subsidiary | Any other transaction, Interest received | 14,259,810,000.00 | 8 |
| Prathama UP Gramin Bank | Associate | Any other transaction, Interest received | 11,923,059,000.00 | 6 |
| Punjab Gramin Bank | Associate | Any other transaction, Interest received | 10,293,480,000.00 | 6 |
| PNB Housing Finance Ltd | Associate | Any other transaction, Interest received | 6,154,200,000.00 | 8 |
| Punjab National Bank (International) Ltd. | Subsidiary | Any other transaction, Interest received | 4,565,900,000.00 | 5 |
| PNB Metlife India Insurance Co. Ltd. | Associate | Any other transaction, Interest paid, Interest recei | 3,373,512,000.00 | 11 |
| Manipur Rural Bank | Associate | Any other transaction, Interest received | 2,628,156,000.00 | 3 |
| Himachal Pradesh Gramin Bank | Associate | Any other transaction, Interest paid, Interest recei | 2,013,224,000.00 | 5 |
| Assam Gramin Vikash Bank | Associate | Any other transaction, Interest paid, Interest recei | 1,225,099,000.00 | 5 |
| PNB Housing Finance Limited | Associate of PNB | Any other transaction | 998,223,000.00 | 2 |
| PNB Centenary Rural Development Trust | Associate | Any other transaction | 170,000,000.00 | 1 |
| Canara HSBC Life Insurance Co. Ltd. | Associate | Any other transaction, Dividend received | 136,710,000.00 | 4 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-24 | Q1FY27 | Read the call | |
| 2026-05-12 | Q4FY26 | LIMITED | Read the call |
| 2026-01-27 | Q3FY26 | LIMITED | Read the call |
| 2025-10-27 | Q2FY26 | Read the call | |
| 2025-08-05 | Q1FY26 | DIRECTOR, PUNJAB NATIONAL BANK, NATIONAL BANK | Read the call |
| 2025-05-13 | Q4FY25 | DIRECTOR, PUNJAB NATIONAL BANK, NATIONAL BANK, PUNJAB NATIONAL BANK | Read the call |
| 2025-02-04 | Q3FY25 | NATIONAL BANK, PUNJAB NATIONAL BANK | Read the call |
| 2024-11-02 | Q2FY25 | MANAGEMENT | Read the call |
| 2024-08-02 | Q1FY25 | NATIONAL BANK | Read the call |
| 2024-05-16 | Q4FY24 | CHIEF EXECUTIVE OFFICER | Read the call |
| 2024-02-02 | Q3FY24 | Read the call | |
| 2023-11-02 | Q2FY24 | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q2FY24 | Q2FY25 | Q2FY26 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | Is it more of private sector capex or public sector? | So, what initiatives have you taken and what kind of CapEx are you going to incur on that? | — | — | — | — |
| Capital allocation | New acquisition of the last 3 years; that will give you the color that slippages will not happen. | — | And I had just done one calculation that last year, in the '24 -- '23, '24 financial Punjab National Bank October 18, 2025 year total INR10 lakh crore… | — | — | So there was another one dividend income there to an extent of INR130 crores, which was booked in the Q2, which has not... | And we are going to get good dividend out of this investment which we have made in the treasury now. | We have also announced the tentative dividend. |
| Costs | — | — | — | — | — | — | — | But we have not seen much the traction happening or the reduction happening in the cost of deposit has happened, we were expecting that the February a… |
| Debt and cash | — | That is in the SMA with the other Bank, but as on date, because that is a working capital with me, so my account is okay, but we have to see in totall… | — | Atul Kumar Goel, Managing Director & Chief Executive Officer Corporate, I think -- we may think a little bit increase also, because some of the corpor… | So, this is about the liability side and if I talk about the lending side, asset side, a Bank has already created the lot of journeys up to 25 lakh. W… | — | — | — |
| Demand | — | Definitely, because as on date, there is no different treatment given by the regulator for the sale to the NARCL or DRC, although there is a demand. | And secondly, what is our sanction book pipeline and the proposals in pipeline through your NBG clearances and other things and how confident you are … | There is some demand in the CapEx also, but not too much -- but not too much, but there is a too much of demand in the infra as well as the road, et c… | I think with the growth in the credit pipeline, which we are holding it, I think that should offset the effect of the rate cut, which is going to happ… | — | On the tax rate change, when do you anticipate that, anything in the pipeline? | Future credit growth remains well supported by a strong pipeline. |
| Guidance | The NIM is even we have got 3.11% for the current quarter as against our guidance for 2.9% to 3%, but still we are maintaining our guidance of 2.9% to… | As far as this guidance for the gross NPA net NPA is concerned, at the beginning of the year, we have given the guidance that our gross NPA will be ar… | CD ratio of the bank is comfortably placed at 72.33% Bank has started to witness the impact of various initiatives taken to garner low-cost deposits a… | As far as NIM is concerned, the total NIM, domestic NIM is 3.30% and the global NIM is 3.15%, where we have given the guidance (Foreign Language) our … | If I compare the ratios, ratios on return on assets that stood at 1.03% for Q3 FY25 and 0.96% for nine month FY25 in line with the guidance of our FY2… | At the beginning of Q3, we expected that our cost of deposits will reduce sharply where yield of advances will remain -- roughly remain at the same le… | We are well above our guidance for deposit as well as the credit growth rate, which was 9% to 10% for deposit and 11% to 12% for credit. | We met or exceeded our stated guidance for 2025-'26 financial year across most key parameters. |
| Margin | — | We can increase the margin, but there is a risk of slippage also. | The bank is prioritizing an increase in the CASA share with total deposits and enhancing the RAM portfolio in total advances which will collectively s… | We would first request MD sir to briefly summarize the key highlights from the third quarter results, followed by an outlook on the growth margin and … | But your margin performance has been better than other PSUs. | On the margin front, you had guided last quarter that it would improve by 5 basis points Q-o-Q. | So in that context, you could have significant margin pressure. | — |
| Pricing | — | Normally the percentage in this personal loan used to be around 2% and 2.10% and that’s already been factored at the time of pricing this product, and… | — | But as far as the increase in the risk weight is concerned, so we are negotiating the higher pricing to the existing as well as the proposed one. | 10,000 crore which renewals or repricing it came and we have gone for some modification in the pricing and it has already | And second thing related with this is the deposit rate pricing. | Okay, so sir, assuming that we have only passed 25 basis point in this quarter and that too from February when the rate cut happened, there would be f… | — |
| Revenue growth | So, there is a YoY growth of around 19.98%. | As far as the savings Bank and the CASA and the current account is concerned, savings Bank also there is a Y-o-Y growth of 3.7% and it increased to 4.… | We have sanctioned credit lines to the tune of INR1.78 lakh crores, which are yet to be disbursed and that will favor the credit growth of the bank in… | As far as the deposit is concerned, there is a growth of around 9.35% in the deposit, which has improved from INR12.10 lakh crore in the last year on … | 32,025 crore with a YoY growth of 7.8% for nine months ending 31st December ‘24. | Our focus has been on sustained business growth of both liability and asset side. | May 07, 2025 RAM segment very high now and I think there also the growth in the all the retail, agri and MSME I am expecting that there will be a grow… | Our retail book, excluding IBPC grew by 18.2%, MSME by 19.9%, agri priority sector witnessed growth of 16.2%. |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2025-02-04 | Q3FY25 | PUNJAB NATIONAL BANK | If I compare the ratios, ratios on return on assets that stood at 1.03% for Q3 FY25 and 0.96% for nine month FY25 in line with the guidance of our FY25. Return on equity is 19.22% for Q3 FY25 and 18.87% for nine month Financial Year ‘24-25. |