Punjab National Bank532461Banking
Punjab National Bank reported 13% profit growth and 14.7% loan growth in Q2, with stable net interest margin, as MD Ashok Chandra discussed deposit growth, margins and asset quality
By ScoutQuest · · 1 min read
- Profit growth
- 13 percent
- Loan growth
- 14.7 percent
- Deposit growth
- 9.9 percent
- Comfortable CD ratio
- 78 to 80 percent
- NIM YoY Sept 2025
- 2.72 percent
Heard on business television between 10:14:33 - 10:17:33 IST.
- PNB posted 13% rise in profit with loan growth of 14.7%, while deposit growth was lower at 9.9%, pushing up the credit-deposit ratio; MD Ashok Chandra said a 78-80% CD ratio is comfortable given the bank's investment book.
- Domestic net interest margin improved to 2.74% this quarter from 2.64% in June quarter, a nearly 10 basis point sequential improvement, attributed to strategies on bulk deposits and lending mix; YoY margin rose from 2.72% to 2.74%.
- Chandra reiterated guidance of 2.6-2.8% global NIM, without factoring in repo rate changes; 56% of loan book is linked to EBLR and 8% to TBLR, with rate changes passed to borrowers next working day per ALCO policy, expecting about 7 basis points NIM improvement from the 25 bps rate hike.
- Asset quality remains strong with declining SMA2 loans, but Chandra cautioned on watchfulness given El Nino-linked drought risk and rate hikes, saying the bank has sensitized field teams to monitor SMA-0 accounts to prevent slippage.
Watch at source
behind live
- 1Open on YouTube
- 2Drag the seek bar left
- 3Watch this moment
Also from Punjab National Bank
Q2 FY27 call: net profit INR 5,532 crores, domestic NIM 2.74%, GNPA 2.55%
23 Oct 2026
PNB MD Ashok Chandra said domestic NIM grew 10 basis points and global NIM grew 8 basis points this quarter due to liquidity management and shedding low-yielding advances
19 Oct 2026
PNB MD & CEO Ashok Chandra said margin improvement driven by liquidity and deposit cost management, with NIM expansion seen
19 Oct 2026
Source: Live TV News Channel · 19 Oct 2026
Nothing here is a view, opinion or recommendation of ScoutQuest, its parent, directors or employees. ScoutQuest is a technology company: this page was assembled automatically from public sources using artificial intelligence, and may contain errors or omissions. Confirm everything against the original source before you act on it. Any use of this page is at your own risk, and neither ScoutQuest nor its parent, directors or employees accepts liability for it.