Punjab & Sind Bank announced Q4FY25 & FY25 results The Bank's Net Profit increased by 125.18% in Q4FY25, reaching to Rs 313 crore and for FY25 grows by 70.76%, reaching to Rs 1,016 crore. Operating Profit for Q4FY25 increased by 142.86%, reaching to Rs 816 crore and for FY25 grows by 83.47%, reaching to Rs 2,075 crore. Net Interest Margin for Q4FY25 increased by 87 bps, reaching to 3.19%. Yield on Advances for Q4FY25 increased by 102 bps and stands at 9.69%. Return on Assets for Q4FY25 increased by 41 bps and stands at 0.79%. Net Interest Income for Q4FY25 surged by 62.84% reaching Rs 1,122 crore. Cost to Income ratio for Q4FY25 improved by 1488 bps, stands at 54.61% and for FY25 reduced by 1093 bps to 61.23%. During FY25, Total Business recorded a growth of 11.69%, rising to Rs 229,379 crore. During FY25, Total Deposits grew by 8.68%, with Retail Term Deposits rising by 9.81%. During FY25, Total Advances grew by 15.87%, while RAM Advances recorded a growth of 23.53%. RAM Advances (%) to Total Advances increased by 342 bps from 51.73% to 55.15%. Gross NPA decreased significantly by 205 bps, reaching to 3.38%. Net NPA reduced by 67 bps and stands at 0.96%. Provision Coverage Ratio increased by 269 bps and stands at 91.38%. Result PDF
Punjab & Sind Bank announced Q3FY25 results Financial Highlights: The Bank's Net Profit demonstrated an outstanding growth of 147% YoY in Q3FY25, reaching to 282 crore. Operating Profit for Q3FY25 grew by 74.73% YoY to 484 crore. Net Interest Margin up by 24 bps to 2.78% YoY. Yield on Advances up by 23 bps to 9.14% YoY. Return on Assets (%) increased by 42 basis points YoY. Business Highlights: Total Business registered a growth of 10.58% YoY and stood at Rs 2,23,267 crore. Total advances grew by 14.73% YoY. RAM Advances (%) to Gross Advances increased by 274 bps from 51.46% to 54.20%. Total Deposit grew by 7.64% YoY. Retail Term Deposits registered a growth of 10.66% YoY. RAM advances registered a healthy growth of 20.85% YoY. Retail Advances registered a significant growth of 35.12 % YoY. Result PDF