Arthneeti
All Q2 FY27 results →
PN

Punjab Natl.Bank

Q2 FY27

Punjab Natl.Bank Q2 FY27 investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹115
Market cap₹1.3L Cr
P/E6.0
Updated16 Oct 2026
Read5 min read

Based on Punjab Natl.Bank's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Net Interest Income for Q2 FY27: ₹11,601 Cr, up 10.8% YoY (Page 24) - Other Income for Q2 FY27: ₹3,601 Cr, down 17.1% YoY (Page 24) - Total Operating Income for Q2 FY27: ₹15,202 Cr, up 2.6% YoY (P EBITDA (Operating Profit) for Q2 FY27: ₹7,532 Crores, up 4.2% YoY (Page 24) - Profit After Tax (PAT/Net Profit) for Q2 FY27: ₹5,532 Crores, up 12.8% YoY (Pages 5, 24) - Operating Margin: Not explicitly stated as a percentage, but Operating Profit rose 4.2% YoY (Page 24) - Explicit Margin Outlook: No specific EBITDA or operating margin guidance provided.

From Punjab Natl.Bank's Q2 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

- Net Interest Income for Q2 FY27: ₹11,601 Cr, up 10.8% YoY (Page 24) - Other Income for Q2 FY27: ₹3,601 Cr, down 17.1% YoY (Page 24) - Total Operating Income for Q2 FY27: ₹15,202 Cr, up 2.6% YoY (Page 24) - Digital Transactions in Q2 FY27: 397 Crores, up from 303 Crores in Q2 FY26 (Page 36) - UPI Remitter Transactions in Q2 FY27: 285 Crores, up from 239 Crores Sept’25 (Page 36) - Global Business in Sept’26: ₹31,18,434 Cr, up 11.9% YoY (Page 5) - Global Deposits in Sept’26: ₹17,77,240 Cr, up 9.9% YoY (Page 5) - Global Advances in Sept’26: ₹13,41,194 Cr, up 14.7% YoY (Page 5) **Outlook (Guidance for FY27):** - Credit Growth YoY: 12%-13% (Actual Sept’26: 14.7%)

2 more points from Punjab Natl.Bank's call on revenue

Pro opens every point from 15K+ earnings calls

Profitability & Margins

See what Punjab Natl.Bank said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The presentation does not explicitly describe any specific capex, capacity expansion, or new plant/project details including amounts, status or timelines. It primarily focuses on business performance, financial highlights, ESG initiatives, digitalization, asset quality, capital adequacy, and awards. Key relevant points include: - Installation of 3892 KWp solar power capacity in bank-owned buildings, branches, and ATMs, with additional 1908 KWp under execution at HO buildings at Dwarka & Gurgaon and other offices (Page 45). - Expansion of clean energy footprint through Green Tariff adoption at 171 locations, with 154 more underway across 3 states (Page 45). - Various skill development and social impact initiatives with allocated budgets, but these are CSR/social activities, not capital projects (Pages 46-47). No other specific capital expenditure, capacity expansion, or new project timelines and amounts are mentioned in the investor presentation.

Fundraising & Capital Structure

See what Punjab Natl.Bank said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The investor presentation does not report any specific figures or details on order book, order inflow, or pending orders. The content primarily focuses on: - Financial results (profitability, assets, liabilities) - Business performance and digital initiatives - Investment portfolio details - Financial inclusion statistics - Government flagship scheme disbursements - Group structure and subsidiaries

2 more points from Punjab Natl.Bank's call on order book

Pro opens every point from 15K+ earnings calls

Continue your research

What Punjab Natl.Bank's management said in earlier quarters

Others in Banks this season

  • Union Bank of India (Q2 FY27)

    Interest Income for Sep-26 quarter: ₹28,158 crore, up 7.51% YoY. Key investor presentation takeaways from Union Bank (I)'s Q2 FY27 investor presentation — and h

  • IDBI Bank Ltd (Q2 FY27)

    8,512.14 crore (up from Rs. Key results statement takeaways from IDBI Bank Ltd's Q2 FY27 results statement — and how it ranks against sector peers.

  • Yes Bank (Q2 FY27)

    Net Interest Income (NII) for Q2FY27: INR 2,822 Crs, up 22.7% YoY . Key investor presentation takeaways from Yes Bank Ltd's Q2 FY27 investor presentation — and

  • Pun. & Sind Bank (Q2 FY27)

    Total Interest Income: ₹3,395 Cr, up 13.20% YoY (Page 19) . Key investor presentation takeaways from Punjab & Sind Bank's Q2 FY27 investor presentation — and ho

Compare:vs HDFC Bankvs ICICI Bankvs SBI

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Punjab Natl.Bank and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Punjab Natl.Bank Q2 FY27 results?

Net Interest Income for Q2 FY27: ₹11,601 Cr, up 10.8% YoY (Page 24) - Other Income for Q2 FY27: ₹3,601 Cr, down 17.1% YoY (Page 24) - Total Operating Income for Q2 FY27: ₹15,202 Cr, up 2.6% YoY (P EBITDA (Operating Profit) for Q2 FY27: ₹7,532 Crores, up 4.2% YoY (Page 24) - Profit After Tax (PAT/Net Profit) for Q2 FY27: ₹5,532 Crores, up 12.8% YoY (Pages 5, 24) - Operating Margin: Not explicitly stated as a percentage, but Operating Profit rose 4.2% YoY (Page 24) - Explicit Margin Outlook: No specific EBITDA or operating margin guidance provided.

What is Punjab Natl.Bank share price analysis?

Punjab Natl.Bank currently shows a neutral. The stock trades at a P/E of 6.0 with a market cap of ₹132,226 Cr. Investors should review the full earnings analysis for detailed insights.

Is Punjab Natl.Bank planning capital expenditure?

The presentation does not explicitly describe any specific capex, capacity expansion, or new plant/project details including amounts, status or timelines.

Keep Punjab Natl.Bank on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.