PNBNSEQ1 FY 202630 July 2025

Punjab National Bank

6,866words
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Key numbers — 40 extracted
₹ 6,758
5 8 ESG, Awards & Guidance 41-43 Page I 2 Performance Highlights : Q1 FY’26 Profitability ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net I
28.3%
Awards & Guidance 41-43 Page I 2 Performance Highlights : Q1 FY’26 Profitability ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest
₹ 92.64
41-43 Page I 2 Performance Highlights : Q1 FY’26 Profitability ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr
26.7%
Page I 2 Performance Highlights : Q1 FY’26 Profitability ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6%
₹ 10,578
6 Profitability ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 b
1.0%
lity ₹ 6,758 Cr 28.3% YoY PBT ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY
₹ 7,081
T ₹ 92.64 26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA %
7.6%
26.7% YoY Book Value Per Share (Tangible) ₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA % 96.88
3.78%
₹ 10,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA % 96.88% 98 bps YoY PCR (Inc.Two) % 0.14% 18 bps
120 bps
,578 Cr 1.0% YoY Net Interest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA % 96.88% 98 bps YoY PCR (Inc.Two) % 0.14% 18 bps YoY Cre
0.38%
nterest Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA % 96.88% 98 bps YoY PCR (Inc.Two) % 0.14% 18 bps YoY Credit Cost% Business
22 bps
t Income ₹ 7,081 Cr 7.6% YoY Operating Profit Asset Quality 3.78% 120 bps YoY GNPA % 0.38% 22 bps YoY NNPA % 96.88% 98 bps YoY PCR (Inc.Two) % 0.14% 18 bps YoY Credit Cost% Business ₹ 27,19
Guidance — 5 items
Upgradation include
opening
“the Impact-Driven KRAs ▪ A strategic benchmarking exercise was conducted across six leading peer banks—three public sector and three private sector— tools, to assess PMS data scoring models, practices, and appraisal mechanisms, aiming to best-in-class adopt performance strategies.”
Upgradation include
opening
“Next Gen-Appraisal Framework PMS Framework Enhancement Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 36 HR Transformation Project “UDAAN” Capability Building Leadership Development Program (LDP 3.0) & Udaan Elevate 2.0 ❖ Leadership Development program (LDP 3.0) for 3rd year & Udaan elevate 2.0 for participants of LDP 2.0 is being launched.”
Upgradation include
opening
“Gen-AI HR Learning Chatbot URJA Program for Customer Service Associates ❖ Desing Creation & Development of Gen-AI HR Learning Chatbot have been completed to facilitate AI enabled answers to the queries of Senior Executives on Learning Journey under project UDAAN.”
Upgradation include
opening
“The URJA training program was launched to improve customer service associates' functional and behavioral skills, aiming to boost service quality and engagement.”
Upgradation include
opening
“HR/Network/GB/RRB ESG/ Award Page I 42 Guidance for FY’26 vs Actuals for June’25 Parameters Guidance for FY’26 June’25 (Actuals) Credit Growth % (YoY) Deposit Growth % (YoY) CASA Share % Operating Profit Gr % (YOY) Net Interest Income Gr % (YOY) NIM % Gross NPA % Net NPA % PCR % (incl TWO) Credit Cost % Total Recovery (Amount) RoA % Slippage Ratio % (Annualized) 11% - 12% 9% - 10% > 38% 8%-9% 7% 2.8% - 2.9% Below 3% 0.35% More than 96% Below 0.5% Rs.”
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Risks & concerns — 3 flagged
Specialized training was conducted for Credit Officers covering climate risk, renewable energy, green finance, and carbon market mechanisms to psychologists for • Bank maintains robust policies and SOPs including Cyber Security, Grievance Redressal, and Fraud Risk Management & Investigation Functions (FRMIF) to ensure operational integrity and accountability.
— Upgradation include
• API integration with NCCRP (National Cyber Crime Reporting Portal) for handling cybercrime complaints • New Enterprises Fraud Risk Management (EFRM) for prevention of unauthorized electronic banking transactions.
— Upgradation include
Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 41 Rewards & Accolades Under EASE 7.0, PNB awarded in 3 themes: ✓ Effective risk/fraud management, collections and recovery (Winner) ✓ Excellence in customer service (1st Runner Up) ✓ Adoption of new age technology and other advanced capabilities (2nd Runner Up) Secured First position at Digital Payments Awards 2023-24 under PSB category.
— Upgradation include
Speaking time
Upgradation include
1
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Opening remarks
Upgradation include
✓ Technology Upgrade ✓ Enhanced Security ✓ Monitoring aspects ✓ Content management ✓ Unified Streamline Journeys Solution to all Digital ✓ Single Platform for 100+ Digital Journeys ✓ Aims to enhance Bank’s Operational Efficiency Revamping of Retail & Corporate IBS: ✓ Modern UI/UX for intuitive navigation ✓ Robust security ✓ Consistent user experience Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 35 HR Transformation Project “UDAAN” Empowering Excellence: Revamped Digital PMS under UDAAN ▪ Key Result Areas (KRAs) are being revamped to them more make business-oriented and impact-driven, ensuring alignment stronger strategic with objectives and operational goals of the Bank. the Impact-Driven KRAs ▪ A strategic benchmarking exercise was conducted across six leading peer banks—three public sector and three private sector— tools, to assess PMS data scoring models, practices, and appraisal mechanisms, aiming to best-in-class ado
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