Punjab & Sind Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

3,041.98

2,998.87

2,910.66

3,158.94

2,931.14

2,738.95

2,652.27

Income On Investments

827.70

835.38

818.51

811.65

801.41

798.90

812.95

Interest On Balances With Rbi Other Inter Bank Funds

4.17

3.43

4.71

4.60

6.18

3.78

2.47

Interest / Discount On Advances / Bills

2,198.27

2,148.76

2,055.63

2,330.50

2,104.39

1,898.33

1,824.52

Others

11.84

11.30

31.81

12.19

19.16

37.94

12.33

Other Income

507.29

374.41

468.73

676.76

338.23

358.91

193.75

Total Income

3,549.27

3,373.28

3,379.39

3,835.70

3,269.37

3,097.86

2,846.02

Interest Expended

2,055.81

2,048.84

2,010.25

2,036.92

1,992.38

1,866.10

1,802.24

Net Interest Income

986.17

950.03

900.41

1,122.02

938.76

872.85

850.03

Total Expenditure (Excl Depreciation)

899.18

819.38

829.04

982.39

793.01

773.81

727.18

Employee Cost

559.81

489.43

523.77

642.20

492.75

493.30

460.24

Other Operating Expenses

339.37

329.95

305.27

340.19

300.26

280.51

266.94

Operating Profit Before Provisions and Contingencies

594.28

505.06

540.10

816.39

483.98

457.95

316.60

Exceptional Items

0.00

Provisions and contingencies

137.81

147.67

217.08

374.02

109.33

150.64

103.38

Profit Before Tax

456.47

357.39

323.02

442.37

374.65

307.31

213.22

Tax

120.05

62.87

53.86

129.59

92.69

67.72

31.72

Profit After Tax

336.42

294.52

269.16

312.78

281.96

239.59

181.50

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

336.42

294.52

269.16

312.78

281.96

239.59

181.50

Face Value

10.0

Reserves

0.00

5,196.47

0.00

Earnings per share (EPS)

0.47

0.42

0.38

0.44

0.42

0.35

0.27

Diluted Earnings per share

0.47

0.42

0.38

0.46

0.42

0.35

0.27

Operating Profit Margin (Excl OI)

65.91%

67.75%

64.06%

57.06%

69.22%

66.25%

68.68%

Gross Profit Margin

15.01%

11.92%

11.1%

14.0%

12.78%

11.22%

8.04%

PAT Margin

11.06%

9.82%

9.25%

9.9%

9.62%

8.75%

6.84%

Net Interest Margin

2.59%

2.6%

2.52%

3.19%

2.78%

2.71%

2.69%

Return on Assets

0.0%

CASA (%)

31.02%

30.31%

30.59%

31.43%

31.16%

30.43%

31.62%

CASA Amount

43,187.00

41,129.00

40,133.00

40,790.00

39,701.00

37,744.00

38,134.00

Capital Adequacy Ratio (Total)

16.83%

17.19%

17.9%

17.41%

15.95%

16.89%

17.3%

Capital Adequacy Ratio (Tier 1)

15.28%

15.32%

16.02%

15.59%

14.04%

14.55%

14.8%

Provision Coverage Ratio (%)

92.23%

91.88%

91.77%

91.38%

89.53%

88.56%

88.08%

Amount of Gross NPAs

2,870.84

3,081.89

3,339.34

3,370.06

3,675.81

3,835.42

4,144.93

Amount of Net NPAs

795.93

854.13

882.72

937.07

1,168.86

1,293.94

1,350.25

% of Net NPAs

0.74%

0.83%

0.91%

0.96%

1.25%

1.46%

1.59%

% of Gross NPAs

2.6%

2.92%

3.34%

3.38%

3.83%

4.21%

4.72%

Public Share Holdings (%)

6.15%

1.75%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1107.0

988.0

1053.0

1047.0

1041.0

1075.0

1053.0

Number of Branches

1623.0

1610.0

1607.0

1610.0

1584.0

1580.0

1569.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 1.44% vs 3.03% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 14.23% vs 9.42% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 17.67% vs -6.49% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.09% vs -0.08% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.32% vs -0.42% in Sep 2025

Compare Quarterly Results Of Pun. & Sind Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,041.98

9,033.36

-5,991.38

-66.33%

Income On Investments

827.70

2,681.96

-1,854.26

-69.14%

Interest On Balances With Rbi Other Inter Bank Funds

4.17

255.69

-251.52

-98.37%

Interest / Discount On Advances / Bills

2,198.27

6,090.72

-3,892.45

-63.91%

Others

11.84

4.99

6.85

137.27%

Other Income

507.29

1,935.32

-1,428.03

-73.79%

Total Income

3,549.27

10,968.68

-7,419.41

-67.64%

Interest Expended

2,055.81

5,530.95

-3,475.14

-62.83%

Net Interest Income

986.17

3,502.41

-2,516.24

-71.84%

Total Expenditure (Excl Depreciation)

899.18

3,145.23

-2,246.05

-71.41%

Employee Cost

559.81

2,054.77

-1,494.96

-72.76%

Other Operating Expenses

339.37

1,090.46

-751.09

-68.88%

Operating Profit Before Provisions and Contingencies

594.28

2,292.50

-1,698.22

-74.08%

Exceptional Items

0.00

Provisions and contingencies

137.81

704.29

-566.48

-80.43%

Profit Before Tax

456.47

1,588.21

-1,131.74

-71.26%

Tax

120.05

325.61

-205.56

-63.13%

Profit After Tax

336.42

1,262.60

-926.18

-73.35%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

336.42

1,262.60

-926.18

-73.35%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.47

1.39

-0.92

-66.19%

Diluted Earnings per share

0.47

1.39

-0.92

-66.19%

Operating Profit Margin (Excl OI)

65.91%

57.39%

0.00

8.52%

Gross Profit Margin

15.01%

17.58%

0.00

-2.57%

PAT Margin

11.06%

13.98%

0.00

-2.92%

Net Interest Margin

2.59%

2.96%

-0.37

-0.37%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

31.02%

47.13%

-16.11

-16.11%

CASA Amount

43,187.00

2,11,773.00

-1,68,586.00

-79.61%

Capital Adequacy Ratio (Total)

16.83%

16.13%

0.70

0.70%

Capital Adequacy Ratio (Tier 1)

15.28%

13.87%

1.41

1.41%

Provision Coverage Ratio (%)

92.23%

96.69%

-4.46

-4.46%

Amount of Gross NPAs

2,870.84

8,726.00

-5,855.16

-67.1%

Amount of Net NPAs

795.93

1,413.66

-617.73

-43.7%

% of Net NPAs

0.74%

0.45%

0.29

0.29%

% of Gross NPAs

2.60%

2.70%

-0.10

-0.10%

Public Share Holdings (%)

6.15%

0.00%

6.15

6.15%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,107.00

4,111.00

-3,004.00

-73.07%

Number of Branches

1,623.00

4,567.00

-2,944.00

-64.46%

Quarterly - Interest Earned

Interest Earned 3041.98 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 1.44% vs 3.03% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 3.78% vs 17.67% in Dec 2024

Quarterly - Net Profit

Net Profit 336.42 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 14.23% vs 9.42% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 19.31% vs 146.66% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 594.28 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 17.67% vs -6.49% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 22.79% vs 74.73% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.74%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.09% vs -0.08% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.51% vs -0.55% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.60%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.32% vs -0.42% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -1.23% vs -1.87% in Dec 2024