News ArticlePunjab National Bank Reports Rs 55.3 Crore Standalone Net Profit for Q2 FY2027
Bank's consolidated net profit stood at Rs 55.6 crore with stable capital adequacy and asset quality as of September 30, 2026
Punjab National Bank announced its standalone and consolidated unaudited reviewed financial results for the quarter and half-year ended September 30, 2026, reporting a standalone net profit of Rs 55,322.3 lakh and consolidated net profit of Rs 55,611.4 lakh for Q2 FY2027. The bank maintained key financial metrics including total income, operating profit, and asset quality ratios as per RBI guidelines.
Punjab National Bank
General / Other
Punjab National Bank released its standalone and consolidated financial results for the quarter and half-year ended September 30, 2026, showing a standalone net profit of Rs 55,322.3 lakh and consolidated net profit of Rs 55,611.4 lakh for the quarter.
The bank's total standalone income reached Rs 3,818,541 lakh for the quarter, resulting in an operating profit of Rs 753,194 lakh before provisions and contingencies.
Provisions other than tax and contingencies for the quarter amounted to Rs 62,780 lakh, while the tax expense was Rs 190,244 lakh for standalone results.
Punjab National Bank maintained a capital adequacy ratio under Basel III norms at 17.9% and the Common Equity Tier 1 ratio at 14.52% as of September 30, 2026.
Gross Non-Performing Assets (NPA) stood at Rs 33,132.7 lakh with a gross NPA ratio of 3.45% and net NPA ratio of 0.28%, reflecting asset quality as per Reserve Bank of India guidelines.
The bank's basic and diluted earnings per share before extraordinary items were Rs 4.81 for the quarter on a face value of Rs 2 per share.
Highlights
- Standalone net profit for Q2 FY2027 was Rs 55,322.3 lakh (Rs 55.3 crore).
- Consolidated net profit for Q2 FY2027 was Rs 55,611.4 lakh (Rs 55.6 crore).
- Total standalone income for the quarter was Rs 3,818,541 lakh.
- Capital adequacy ratio (Basel III) stood at 17.9%.
- Gross NPA ratio was maintained at 3.45%, net NPA ratio at 0.28%.
- Basic and diluted EPS before extraordinary items was Rs 4.81 for the quarter.
Key Data Snapshot
What happened
- Punjab National Bank announced its standalone and consolidated unaudited reviewed financial results for the quarter and half-year ended September 30, 2026.
- Standalone net profit for the quarter was Rs 55,322.3 lakh; consolidated net profit was Rs 55,611.4 lakh.
- Key financial metrics including total income, provisions, and operating profit were disclosed in the filings.
Key details
- The bank's total income for the standalone quarter was Rs 3,818,541 lakh.
- Operating profit before provisions and contingencies stood at Rs 753,194 lakh for standalone results.
- Provisions other than tax and contingencies totaled Rs 62,780 lakh for the quarter.
- Capital adequacy ratio under Basel III: 17.9%, Common Equity Tier 1 Ratio: 14.52%.
- Gross NPAs reported at Rs 33,132.7 lakh representing 3.45% of assets; net NPA ratio at 0.28%.
Regulatory and governance context
- Financial results have been prepared under Accounting Standard 25 (Interim Financial Reporting) issued by ICAI.
- The results were reviewed by the statutory auditors and approved by the Board on October 16, 2026.
- Appropriate provisions for non-performing assets, stressed sectors, taxes, and depreciation were made according to guidelines issued by the Reserve Bank of India.
Highlights
- Standalone net profit for Q2 FY2027 was Rs 55,322.3 lakh (Rs 55.3 crore).
- Consolidated net profit for Q2 FY2027 was Rs 55,611.4 lakh (Rs 55.6 crore).
- Total standalone income for the quarter was Rs 3,818,541 lakh.
- Capital adequacy ratio (Basel III) stood at 17.9%.
- Gross NPA ratio was maintained at 3.45%, net NPA ratio at 0.28%.
- Basic and diluted EPS before extraordinary items was Rs 4.81 for the quarter.
Disclosures
- SEBI (LODR) Regulations, 2015
- Accounting Standard 25 (Interim Financial Reporting)
- Reserve Bank of India guidelines
- Institute of Chartered Accountants of India standards
Government of India holds approximately 70.08% shareholding.
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