Company dossier
Punjab National Bank
Current pulse
Pattern-matched earnings signal
Credit growth, sequential NIM recovery, asset quality, capital and explicit guidance retention are constructive. Reported PAT is distorted by the prior-year tax base, while NIM, CASA, deposits, NII growth, operating-profit growth and GNPA remain short of FY27 targets. The risk-reward read is HOLD without licensed consensus or valuation context.
Asset quality, credit growth and sequential margin recovery improved, but the PAT headline is tax-base distorted and several FY27 operating targets remain unproven.
Reported PAT growth is inflated by the prior-year Rs 3,324 cr one-time deferred-tax charge; comparable growth is roughly 5% by Earnings Canvas normalization.
Q2 FY2027 margin, IBPC runoff, FCNR deployment and recovery proof
Dossier map
Asset quality, credit growth and sequential margin recovery improved, but the PAT headline is tax-base distorted and several FY27 operating targets remain unproven.
Revenue ₹10.8K Cr | PAT ₹5.3K Cr
This layer will track order book, execution runway, capex, capacity and pipeline as company-specific fields are populated.
Latest on-record topic: Q1 FY2027 results, margin recovery, loan-mix cleanup, deposits, asset quality, ECL transition, FCNR funding and operating efficiency
Banking needs explicit government, rates, commodity, FX and demand sensitivity mapping.
Evidence links, management clips, filings, transcripts and source confidence are shown at the bottom of the dossier.