• FCNR deposit mobilization: PNB expects to mobilize approximately USD 2.5 billion in FCNR(B) deposits by September 30, 2026, with revised 3-to-5-year rates of 6% to 6.10% and CRR/SLR exemptions anticipated to expand NIM by about 2 basis points.
• Credit and deposit growth: Management guided for full-year credit growth of 12% to 13% and deposit growth of 9% to 10%, supported by a comfortable credit-deposit ratio of around 73% and sustained momentum across MSME, retail, and agriculture segments.
• Net interest margin: Full-year global NIM is guided at 2.6% to 2.8%, with margins expected to improve from the June quarter as incremental deposit costs decline and incremental lending yields rise.
• ECL transition readiness: Ahead of the April 1, 2027 implementation date, the bank has built ₹2,040 crore in floating provisions and maintains strong capital buffers with CRAR above 17% and CET1 above 13%.