| Revenue growth | NII grew 0.74% (8% excluding one-offs); Fee income grew 22%. |
|---|---|
| Margins | NIM at 2.55%; targeting 2.65%-2.70% by year-end via higher-yield RAM lending. |
| Demand visibility | Strong pipeline of ₹18,000 Cr in corporate; RAM segment looking robust. |
| Management confidence | High; management states they outperformed every metric and broke growth taboos. |
Growth
PAT grew 30.12% YoY; Gross Advances rose 18.29%; Deposits increased 12.37%. Core fee income grew 22%.
Outlook
Targeting ₹3 Lakh Cr business in FY27 and ₹4 Lakh Cr by FY29. Guidance: 16-18% credit growth.
Risks
Residual stress in MSME and Agri sectors; NIM compression due to low CASA and interest rate fluctuations.
Earnings Call filed with NSE, NSE: PSB. Summary written with AI assistance from the document.
Punjab & Sind Bank: key numbers
- Share price
- ₹21.82
- Market cap
- ₹15,483 Cr
- Revenue (annual)
- ₹11,982 Cr
- Net profit (annual)
- ₹1,322 Cr
- P/E (TTM)
- 11.2×Sector 22.0×
- Promoter holding
- 93.85%+0.00% QoQ
- FII holding
- 0.14%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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Punjab & Sind Bank reported strong Q1FY27 results with Net Profit increasing 23% YoY to ₹331 Cr. Strategy focuses on digital transformation, increasing RAM share, and maintaining robust asset quality.