Conference Call with Punjab & Sind Bank Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
Punjab & Sind Bank announced Q1FY26 results Total Business registered a growth of 10.94 % and stands at Rs 2,31,132 crore. Total Deposit showed a growth of 8.78%, and Retail Term Deposits showed a growth of 11.43%. Total advances grew by 13.92%, whereas RAM advances registered a healthy growth of 17.18%. Retail advances registered a growth of 29.00%, MSME advances registered a growth of 14.53%. Vehicle Loan grew by 40.60%, Gold Loan grew by 39.56% & Home loan grew by 23.95%. Gross NPA decroreeased by 138 bps from 4.72% to 3.34%. Net NPA reduced by 68 bps from 1.59% to 0.91%. Provision Coverage Ratio incroreeased by 369 bps from 88.08% to 91.77%. Total Income grew by 18.73% and stands at Rs 3,379 crore. Non-Interest Income grew by 141.75% and stands at Rs 469 crore. Net Interest income grew by 5.88% and stands at Rs 900 crore. Return on Assets (%) improved by 17 bps from 0.50% to 0.67%. CRAR (%) improved by 60 bps from 17.30% to 17.90%. Cost to Income ratio reduced by 912 bps from 69.67% to 60.55%. Result PDF