Punjab National Bank Strategic Outlook

Credit growth may exceed targets; pipeline of ₹2 lakh crore corporate sanctions; NIM held at 2.7-2.8% vs prior 2.8-2.9% guidance. Identified ₹4,000-5,000 crore NPA accounts for ARC sale; total business nears ₹30 lakh crore milestone. Senior management changes effective Feb 1, 2026, as part of succession planning.