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Rakesh Kumar

22nd Jul · SEBI-Registered Analyst

PNB Results Analysis-Q1FY27

$PNB Interest Earned for Q1FY27 is Rs. 32,897 Crs., 2.92% growth YoY, Net Interest Income is Rs. 10,798 Crs., 2.08% growth YoY, Total Income is Rs. 37,231 Crs., flat growth YoY, Pre-Provisioning Operating Profit is Rs. 7,519 Crs., 6.18% growth YoY, PBT is Rs. 6,978 Crs., 3.25% growth YoY, Net profit is Rs. 5,253 Crs., 213.63% growth YoY (due to higher tax expenses). For Q1FY27 Gross NPA 2.78% vs 3.78% in Q1FY26, Net NPA 0.28% vs 0.38% in Q1FY26. Return on Assets is 1.04% improved by 67 BPS YoY, Return on Equity is 17.33% improved by 1074 BPS YoY. On QoQ basis Interest Earned is up by 2.3%, Net Interest Income is up by 4.03%, Total Income is up by 2.51%, Pre-Provisioning Operating Profit is up by 0.25%, But PBT is down by 1.39%, PAT is up by 0.54%. Net Advances is Rs. 2,77,498 Cr. as on 30th June, 2026, 15.0% Growth YoY, Advances growth diversified with Gold loans up by 8.2% QoQ, Retail Book# up by 2.6% QoQ, CV/CE3 # up by 1.6% QoQ.

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