Punjab National Bank

“Yeah, INR 900 crores to INR 1,000 crores I am expecting recovery should happen in the next two quarters also.”

“I'm expecting that from next financial year, this particular activity itself will contribute around INR 200 crores of income, fee-based income to the bank.”

“We are I think there will be some increase will happen now. So, somewhere I think 8.75% to 8.9% we'll take it now.”

“I am expecting that somewhere around 58%, 59% by end of this year will be there.”

“So, I'm expecting that around INR 700 crores to INR 800 crores thing should happen in this quarter also.”

“retail advances, excluding IBPC growing by 16.3%, MSME by 19.8%, and agriculture (priority sector) by 18.1% Y-o-Y”

“And that the entire activity I am going to continue in the Q3 and Q4.”

“We could have grown 17%, 18% in the corporate loan book”

“So, September '25, the figure was INR 18,300 crores. And now we are at INR 36,000 crores.”

“And today, we are at around 11 lakh credit cards. See, it was 6 lakhs on March '25 and March '26, it was 8 lakhs.”

“Bank sanctioned INR 4 lakh crores in FY 2025-26 in corporate credit lines.”

“Our pipeline credit is to the tune of INR 1.58 lakh crores, which provides a strong visibility for future credit growth.”

“it means around 13% to 14% credit growth should happen in the country.”

“And still INR 1,57,000 crores of disbursements are going to happen of the previous year sanction and this year sanctions now.”

“Further, in the first half of this year, we have already crossed more than INR 2.5 lakh crores of sanctions in the corporate credit.”

“Domestic NIM improved by 10 basis points sequentially from 2.64% to 2.74%, while global NIM increased from 2.5% to 2.58%.”

“Our cost-to-income ratio has demonstrated a consistent declining trend, improving to 50.45% in Q2 from 51.20% in Q2 of last year”

“We are growing at around 13% to 14%. We are shedding the, low-yielding advances, and to that extent, we are mobilizing the good portfolio now.”

“So already that we have done it and 56% of our book is linked with the...”

“September '25, our domestic cost of deposit was 5.18%, which we have brought it down to 4.97%.”

“Global deposits of the bank have reached to INR 17.77 lakh crores with Y-o-Y growth of 9.9%.”

“Our capital adequacy is 17.95% as on 30th September as compared to 17.19% as on 30th September 2025.”

“Our CET1 capital stands at 14.44% against regulatory requirement of 8%”

“It is around, yeah, 17%, both bulk deposit plus CD put together.”

“We had the CD of around INR 60,000 crores, and we have brought it down to INR 40,000 crores now.”

“In the beginning of FCNR campaign, we had targeted to raise USD 2.5 billion, and we have raised USD2.7 billion in a calibrated manner.”

“the bank is expanding its growth avenues through the introduction of wealth management services and the comprehensive revamp of trade finance modules”

“One is the wealth management services, I think from January onwards that vertical will be in place.”

“And another 2 months' time, that journey will be through the mobile app and the digital facility.”

“M&A, we are very shortly we are going to have an MoU with one foreign bank, and I am expecting that one or two transactions should happen in this quarter.”

“have made additional floating provision of INR 125 crores on a prudential basis, making our total floating provision of INR 2,560 crores.”

“No, there is no impact of the Middle East crisis or the geopolitical tensions. I think it is one-off case.”

“And there was a write-back to the extent of around INR 148 crores. Write-back of provision is there. And we have made some additional provision also to keep the provision coverage ratio intact. So all put together, it is INR 817 crores provision we have made in the NPA book now.”

“It is a road sector.”

“you must have seen in the note also we have mentioned that INR 1,150 crores, we have made a provision in the standard provision now. We have kept extra provision, and we will utilize this at the time of migration in the ECL.”

“We have not seen any material impact of geopolitical tensions on the bank's asset quality.”

“As of now, the stress is not there, but yes, you are right. I think we need to be very careful and team is working on that.”

“What we had envisaged earlier that it will be around INR 9,000 to INR 10,000, roughly it is going to come to around INR 8,000 crores now on the loan book.”

“No. We will be requiring only around INR 5,000 crores, that's all.”

“That is outside. This book -- this is what I am talking about is only the loan book. And yes, rest still the discussions are going on with RBI, and we will see how it comes out, and then we will take a call.”

“We have already opened 162 branches out of which 119 are in the Southern and Western region.”

“Our advances grew by 14.7% Y-o-Y to INR 13.41 lakh crores despite reducing IBPC exposure by INR 23,700 crores.”

“NII increased to INR 11,601 crores, registering Y-o-Y growth of 10.8% and sequential growth of 7.4%, surpassing our stated guidance of 7%.”

“Operating profit is continuously above INR 7,500 crores mark from the last 3 quarters and stands at INR 7,532 crores for Q2 of this year.”

“Core operating profit, excluding recoveries from written-off accounts and treasury gains, grew by 29.4% Y-o-Y basis and 8% on a Q-o-Q basis.”