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
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