Punjab & Sind Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

2,998.87

2,910.66

3,158.94

2,931.14

2,738.95

2,652.27

2,481.27

Income On Investments

835.38

818.51

811.65

801.41

798.90

812.95

694.24

Interest On Balances With Rbi Other Inter Bank Funds

3.43

4.71

4.60

6.18

3.78

2.47

5.79

Interest / Discount On Advances / Bills

2,148.76

2,055.63

2,330.50

2,104.39

1,898.33

1,824.52

1,767.80

Others

11.30

31.81

12.19

19.16

37.94

12.33

13.44

Other Income

374.41

468.73

676.76

338.23

358.91

193.75

412.95

Total Income

3,373.28

3,379.39

3,835.70

3,269.37

3,097.86

2,846.02

2,894.22

Interest Expended

2,048.84

2,010.25

2,036.92

1,992.38

1,866.10

1,802.24

1,791.95

Net Interest Income

950.03

900.41

1,122.02

938.76

872.85

850.03

689.32

Total Expenditure (Excl Depreciation)

819.38

829.04

982.39

793.01

773.81

727.18

765.92

Employee Cost

489.43

523.77

642.20

492.75

493.30

460.24

512.94

Other Operating Expenses

329.95

305.27

340.19

300.26

280.51

266.94

252.98

Operating Profit Before Provisions and Contingencies

505.06

540.10

816.39

483.98

457.95

316.60

336.35

Exceptional Items

0.00

Provisions and contingencies

147.67

217.08

374.02

109.33

150.64

103.38

109.56

Profit Before Tax

357.39

323.02

442.37

374.65

307.31

213.22

226.79

Tax

62.87

53.86

129.59

92.69

67.72

31.72

87.44

Profit After Tax

294.52

269.16

312.78

281.96

239.59

181.50

139.35

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

294.52

269.16

312.78

281.96

239.59

181.50

139.35

Face Value

10.0

Reserves

0.00

5,196.47

0.00

7,689.25

Earnings per share (EPS)

0.42

0.38

0.44

0.42

0.35

0.27

0.21

Diluted Earnings per share

0.42

0.38

0.46

0.42

0.35

0.27

0.21

Operating Profit Margin (Excl OI)

67.75%

64.06%

57.06%

69.22%

66.25%

68.68%

64.72%

Gross Profit Margin

11.92%

11.1%

14.0%

12.78%

11.22%

8.04%

9.14%

PAT Margin

9.82%

9.25%

9.9%

9.62%

8.75%

6.84%

5.62%

Net Interest Margin

2.6%

2.52%

3.19%

2.78%

2.71%

2.69%

2.32%

Return on Assets

0.0%

CASA (%)

30.31%

30.59%

31.43%

31.16%

30.43%

31.62%

32.42%

CASA Amount

41,129.00

40,133.00

40,790.00

39,701.00

37,744.00

38,134.00

38,708.00

Capital Adequacy Ratio (Total)

17.19%

17.9%

17.41%

15.95%

16.89%

17.3%

17.16%

Capital Adequacy Ratio (Tier 1)

15.32%

16.02%

15.59%

14.04%

14.55%

14.8%

14.74%

Provision Coverage Ratio (%)

91.88%

91.77%

91.38%

89.53%

88.56%

88.08%

88.69%

Amount of Gross NPAs

3,081.89

3,339.34

3,370.06

3,675.81

3,835.42

4,144.93

4,665.35

Amount of Net NPAs

854.13

882.72

937.07

1,168.86

1,293.94

1,350.25

1,350.46

% of Net NPAs

0.83%

0.91%

0.96%

1.25%

1.46%

1.59%

1.63%

% of Gross NPAs

2.92%

3.34%

3.38%

3.83%

4.21%

4.72%

5.43%

Public Share Holdings (%)

6.15%

1.75%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

988.0

1053.0

1047.0

1041.0

1075.0

1053.0

1033.0

Number of Branches

1610.0

1607.0

1610.0

1584.0

1580.0

1569.0

1564.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 3.03% vs -7.86% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 9.42% vs -13.95% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -6.49% vs -33.84% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.08% vs -0.05% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.42% vs -0.04% in Jun 2025

Compare Quarterly Results Of Pun. & Sind Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,998.87

8,743.11

-5,744.24

-65.7%

Income On Investments

835.38

2,587.62

-1,752.24

-67.72%

Interest On Balances With Rbi Other Inter Bank Funds

3.43

454.09

-450.66

-99.24%

Interest / Discount On Advances / Bills

2,148.76

5,667.57

-3,518.81

-62.09%

Others

11.30

33.83

-22.53

-66.6%

Other Income

374.41

1,506.62

-1,132.21

-75.15%

Total Income

3,373.28

10,249.73

-6,876.45

-67.09%

Interest Expended

2,048.84

5,460.29

-3,411.45

-62.48%

Net Interest Income

950.03

3,282.82

-2,332.79

-71.06%

Total Expenditure (Excl Depreciation)

819.38

3,003.82

-2,184.44

-72.72%

Employee Cost

489.43

1,892.87

-1,403.44

-74.14%

Other Operating Expenses

329.95

1,110.95

-781.00

-70.3%

Operating Profit Before Provisions and Contingencies

505.06

1,785.62

-1,280.56

-71.72%

Exceptional Items

0.00

Provisions and contingencies

147.67

314.14

-166.47

-52.99%

Profit Before Tax

357.39

1,471.48

-1,114.09

-75.71%

Tax

62.87

258.60

-195.73

-75.69%

Profit After Tax

294.52

1,212.88

-918.36

-75.72%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

294.52

1,212.88

-918.36

-75.72%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.42

1.34

-0.92

-68.66%

Diluted Earnings per share

0.42

1.34

-0.92

-68.66%

Operating Profit Margin (Excl OI)

67.75%

62.05%

0.00

5.70%

Gross Profit Margin

11.92%

16.83%

0.00

-4.91%

PAT Margin

9.82%

13.87%

0.00

-4.05%

Net Interest Margin

2.60%

2.89%

-0.29

-0.29%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

30.31%

46.83%

-16.52

-16.52%

CASA Amount

41,129.00

2,07,616.00

-1,66,487.00

-80.19%

Capital Adequacy Ratio (Total)

17.19%

17.34%

-0.15

-0.15%

Capital Adequacy Ratio (Tier 1)

15.32%

14.98%

0.34

0.34%

Provision Coverage Ratio (%)

91.88%

96.88%

-5.00

-5.00%

Amount of Gross NPAs

3,081.89

8,827.02

-5,745.13

-65.09%

Amount of Net NPAs

854.13

1,363.67

-509.54

-37.37%

% of Net NPAs

0.83%

0.48%

0.35

0.35%

% of Gross NPAs

2.92%

3.01%

-0.09

-0.09%

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

988.00

4,174.00

-3,186.00

-76.33%

Number of Branches

1,610.00

4,556.00

-2,946.00

-64.66%

Quarterly - Interest Earned

Interest Earned 2998.87 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 3.03% vs -7.86% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 9.49% vs 13.84% in Sep 2024

Quarterly - Net Profit

Net Profit 294.52 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 9.42% vs -13.95% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 22.93% vs 26.71% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 505.06 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -6.49% vs -33.84% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 10.29% vs 75.96% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.83%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.08% vs -0.05% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.63% vs -0.42% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.92%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.42% vs -0.04% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -1.29% vs -2.02% in Sep 2024