PNB
Public Sector · NSE PNB · Market cap ₹1,33,031
Latest FY FY2026
Loan growth
14.0%
Deposit growth
9.4%
NIM
2.5%
16th pctile
ROA
0.9%
ROE
12.8%
Gross NPA
2.8%
20th pctile
P/B
0.83x
60th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 14.0% | 17.7% | -3.7pp | — |
| Deposit growth | 9.4% | 13.4% | -4.0pp | — |
| CASA | 36.7% | 32.7% | +4.0pp | 5th |
| NIM | 2.5% | 3.6% | -1.1pp | 16th |
| ROA | 0.9% | 1.1% | -0.1pp | — |
| ROE | 12.8% | 12.4% | +0.4pp | — |
| Gross NPA | 2.8% | 1.9% | +0.9pp | 20th |
| Credit cost | 1.1% | 1.3% | -0.2pp | — |
| Cost/income | 50.3% | 55.1% | -4.8pp | — |
| CRAR | 18.1% | 18.9% | -0.8pp | — |
| P/B | 0.83x | 1.07x | -0.2pp | 60th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼CASA Ratio at 36.70 — 5th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Capital to Risks Assets Ratio (CRAR) at 18.13 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Gross NPA -26.5% YoY to 2.78 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations