Net interest income (NII) rose 2.1% to Rs 10,798 crore in Q1 FY27 from Rs 10,578 crore a year earlier, while the global net interest margin (NIM) improved to 2.64% in Q1 FY27 from 2.50% in Q1 FY26.

The bank's global business expanded 10.2% YoY to Rs 29,97,970 crore as of 30 June 2026. Global advances grew 12.7% YoY to Rs 12,73,132 crore, while global deposits rose 8.5% YoY to Rs 1,72,4837 crore in Q1 FY27.

CASA deposits stood at Rs 6,13,116 crore in Q1 FY27 as compared to Rs 5,68,638 crore posted in Q1 FY26, registering a growth of 7.8%. However, the domestic CASA ratio moderated slightly to 36.7% as of 30 June 2026 from 37% a year ago.

On the asset quality front, gross non-performing assets (GNPA) reduced 17.09% to Rs 35,381 crore as of 30 June 2026, as against Rs 42,673 crore as of 30 June 2025.

The gross NPA ratio reduced to 2.78% as on 30th June 2026 as against 3.78% recorded as on 30th June 2025. The net NPA ratio reduced to 0.28% in as on 30th June 2026 as against 0.38% as on 30th June 2025.

The bank's capital position remained strong, with the Capital Adequacy Ratio (CRAR) at 18.13% and the Common Equity Tier-I (CET-I) ratio improving to 14.52% from 12.95% in the year-ago period.

The slippage ratio also improved to 0.68% in Q1 FY27 from 0.71% in the corresponding quarter of the previous year.

Punjab National Bank is a public sector bank that is engaged in treasury operations, corporate/wholesale banking, retail banking, digital banking, and others. As on 30th June 2026, the bank had 10,359 domestic branches and 2 International Branches. Out of the total branches, the bank had 38.7% branches in rural & 24.6 % in semi-urban areas.