PNB Q1FY26 Results: Punjab National Bank (PNB) is scheduled to announce its Q1FY26 earnings on Wednesday, July 30. The state-owned lender is expected to post a 27.5 per cent year-on-year (YoY) rise in net profit, led by lower provisioning and a favourable base, even as margin pressures may weigh on the overall performance.
According to Zee Business Research Team, PNB’s net interest income (NII) is likely to grow modestly by 1 per cent YoY to Rs 10,590 crore, compared to Rs 10,480 crore in Q1FY25. Net profit is expected to come in at Rs 4,140 crore, against Rs 3,251 crore a year ago.
At closing, Punjab National Bank shares ended in green at Rs 109.48, up by Rs 2.69 or 2.52 per cent on Tuesday.
PNB: Provisions and Asset Quality
Provisions are estimated at Rs 940 crore, down 28 per cent from Rs 1,312 crore in the same quarter last year. However, on a sequential basis, provisioning may rise 2.6 times from Rs 360 crore in Q4FY25.
Gross Non-Performing Assets (GNPA) are expected to improve to 3.7 per cent, from 4 per cent QoQ
Net NPA (NNPA) likely to remain unchanged at 0.4 per cent
What to Watch For
1) Management commentary on slippages and recoveries
2) Outlook on net interest margins (NIMs) amid rising cost of funds
3) Segment-wise loan growth trends
4) Updates on asset quality and credit costs
5) While the bottom line is expected to benefit from lower provisioning, pressure on core margins and operational costs may keep investor sentiment in check. Analysts expect a mixed set of numbers with a close focus on forward guidance and asset quality trends.
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