Sticky deposit costs may delay NIM recovery
Despite repricing of high-cost deposits, incremental deposit rates remain elevated, potentially capping NIM improvement.
PUNJABNATIONALBANK / Q4-FY26 / risks
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Punjab National Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
ECL provisioning impact on profitability
Analyst raised concern about ECL implementation from April 2027; management downplayed but did not quantify run-rate impact.
West Asia geopolitical stress on MSME/export accounts
Analyst asked about impact of Iran-USA-Israel conflict; management said no stress seen yet but remains vigilant.
MTM losses on AFS book due to bond yield volatility
AFS reserves declined due to market fall on March 26; management noted recovery post-quarter but risk remains.