Punjab & Sind Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

3,029.99

3,041.98

2,998.87

2,910.66

3,158.94

2,931.14

2,738.95

Income On Investments

827.01

827.70

835.38

818.51

811.65

801.41

798.90

Interest On Balances With Rbi Other Inter Bank Funds

3.72

4.17

3.43

4.71

4.60

6.18

3.78

Interest / Discount On Advances / Bills

2,177.93

2,198.27

2,148.76

2,055.63

2,330.50

2,104.39

1,898.33

Others

21.33

11.84

11.30

31.81

12.19

19.16

37.94

Other Income

427.37

507.29

374.41

468.73

676.76

338.23

358.91

Total Income

3,457.36

3,549.27

3,373.28

3,379.39

3,835.70

3,269.37

3,097.86

Interest Expended

2,055.19

2,055.81

2,048.84

2,010.25

2,036.92

1,992.38

1,866.10

Net Interest Income

974.80

986.17

950.03

900.41

1,122.02

938.76

872.85

Total Expenditure (Excl Depreciation)

859.87

899.18

819.38

829.04

982.39

793.01

773.81

Employee Cost

496.34

559.81

489.43

523.77

642.20

492.75

493.30

Other Operating Expenses

363.53

339.37

329.95

305.27

340.19

300.26

280.51

Operating Profit Before Provisions and Contingencies

542.30

594.28

505.06

540.10

816.39

483.98

457.95

Exceptional Items

0.00

Provisions and contingencies

-73.15

137.81

147.67

217.08

374.02

109.33

150.64

Profit Before Tax

615.45

456.47

357.39

323.02

442.37

374.65

307.31

Tax

193.62

120.05

62.87

53.86

129.59

92.69

67.72

Profit After Tax

421.83

336.42

294.52

269.16

312.78

281.96

239.59

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

421.83

336.42

294.52

269.16

312.78

281.96

239.59

Face Value

10.0

Reserves

5,976.30

5,195.71

0.00

5,196.47

0.00

Earnings per share (EPS)

0.59

0.47

0.42

0.38

0.44

0.42

0.35

Diluted Earnings per share

0.59

0.47

0.42

0.38

0.46

0.42

0.35

Operating Profit Margin (Excl OI)

74.04%

65.91%

67.75%

64.06%

57.06%

69.22%

66.25%

Gross Profit Margin

20.31%

15.01%

11.92%

11.1%

14.0%

12.78%

11.22%

PAT Margin

13.92%

11.06%

9.82%

9.25%

9.9%

9.62%

8.75%

Net Interest Margin

0.0%

2.59%

2.6%

2.52%

3.19%

2.78%

2.71%

Return on Assets

0.0%

CASA (%)

0.0%

31.02%

30.31%

30.59%

31.43%

31.16%

30.43%

CASA Amount

0.00

43,187.00

41,129.00

40,133.00

40,790.00

39,701.00

37,744.00

Capital Adequacy Ratio (Total)

17.42%

16.83%

17.19%

17.9%

17.41%

15.95%

16.89%

Capital Adequacy Ratio (Tier 1)

15.92%

15.28%

15.32%

16.02%

15.59%

14.04%

14.55%

Provision Coverage Ratio (%)

0.0%

92.23%

91.88%

91.77%

91.38%

89.53%

88.56%

Amount of Gross NPAs

2,830.77

2,870.84

3,081.89

3,339.34

3,370.06

3,675.81

3,835.42

Amount of Net NPAs

919.19

795.93

854.13

882.72

937.07

1,168.86

1,293.94

% of Net NPAs

0.79%

0.74%

0.83%

0.91%

0.96%

1.25%

1.46%

% of Gross NPAs

2.4%

2.6%

2.92%

3.34%

3.38%

3.83%

4.21%

Public Share Holdings (%)

0.0%

6.15%

1.75%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

1107.0

988.0

1053.0

1047.0

1041.0

1075.0

Number of Branches

0.0

1623.0

1610.0

1607.0

1610.0

1584.0

1580.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is -0.39% vs 1.44% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 25.39% vs 14.23% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is -8.75% vs 17.67% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is 0.05% vs -0.09% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.20% vs -0.32% in Dec 2025

Compare Quarterly Results Of Pun. & Sind Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,029.99

9,660.67

-6,630.68

-68.64%

Income On Investments

827.01

2,600.36

-1,773.35

-68.2%

Interest On Balances With Rbi Other Inter Bank Funds

3.72

268.68

-264.96

-98.62%

Interest / Discount On Advances / Bills

2,177.93

6,359.16

-4,181.23

-65.75%

Others

21.33

432.47

-411.14

-95.07%

Other Income

427.37

1,149.82

-722.45

-62.83%

Total Income

3,457.36

10,810.49

-7,353.13

-68.02%

Interest Expended

2,055.19

5,658.83

-3,603.64

-63.68%

Net Interest Income

974.80

4,001.84

-3,027.04

-75.64%

Total Expenditure (Excl Depreciation)

859.87

3,055.54

-2,195.67

-71.86%

Employee Cost

496.34

1,798.84

-1,302.50

-72.41%

Other Operating Expenses

363.53

1,256.70

-893.17

-71.07%

Operating Profit Before Provisions and Contingencies

542.30

2,096.12

-1,553.82

-74.13%

Exceptional Items

0.00

Provisions and contingencies

-73.15

504.34

-577.49

-114.5%

Profit Before Tax

615.45

1,591.78

-976.33

-61.34%

Tax

193.62

867.35

-673.73

-77.68%

Profit After Tax

421.83

724.43

-302.60

-41.77%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

421.83

724.43

-302.60

-41.77%

Face Value

10.00

0.00

Reserves

5,976.30

0.00

5,976.30

Earnings per share (EPS)

0.59

0.80

-0.21

-26.25%

Diluted Earnings per share

0.59

0.80

-0.21

-26.25%

Operating Profit Margin (Excl OI)

74.04%

63.15%

0.00

10.89%

Gross Profit Margin

20.31%

16.48%

0.00

3.83%

PAT Margin

13.92%

7.50%

0.00

6.42%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

0.00%

0.00

0.00%

CASA Amount

0.00

Capital Adequacy Ratio (Total)

17.42%

17.91%

-0.49

-0.49%

Capital Adequacy Ratio (Tier 1)

15.92%

15.61%

0.31

0.31%

Provision Coverage Ratio (%)

0.00%

0.00

0.00%

Amount of Gross NPAs

2,830.77

9,185.04

-6,354.27

-69.18%

Amount of Net NPAs

919.19

1,665.86

-746.67

-44.82%

% of Net NPAs

0.79%

0.49%

0.30

0.30%

% of Gross NPAs

2.40%

2.67%

-0.27

-0.27%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

Number of Branches

0.00

Quarterly - Interest Earned

Interest Earned 3029.99 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -0.39% vs 1.44% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -4.08% vs 27.31% in Mar 2025

Quarterly - Net Profit

Net Profit 421.83 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 25.39% vs 14.23% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 34.86% vs 124.46% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 542.30 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -8.75% vs 17.67% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -33.57% vs 142.72% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.79%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is 0.05% vs -0.09% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.17% vs -0.67% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.40%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.20% vs -0.32% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.98% vs -2.05% in Mar 2025