| Margins | NIM steady at 2.53% |
|---|---|
| Order book | Gross Advances at ₹1,19,290 Cr |
| Demand visibility | Strong credit demand in Retail and MSME |
| Management confidence | High growth in RAM segments |
Growth
Net Interest Income grew 15.33% YoY to ₹1038 Cr. RAM advances grew 32.66%, specifically Retail at 36.44%.
Outlook
Bank maintains strong capital adequacy (CRAR 17.61%). Management targets further improvement in collection efficiency, currently at 95%.
Risks
Non-interest income fell 29.21% YoY. Credit cost increased by 9 bps to 0.11%.
Last quarter's promises, checked
Delivered
- Guided Advances growth 15%-16% → delivered 18.29% (= BEAT)
- Guided RAM growth to reach 59% → delivered 59% (= BEAT)
- Guided Net Profit growth → delivered 30.12% YoY (= BEAT)
Partly delivered
- Guided NIM 2.65%-2.70% → delivered 2.53% in Q1 FY27 (= PARTIAL)
Missed
- Guided Net NPA reduction → fell short of internal target (= MISS)
- Guided PCR improvement → fell short of internal target (= MISS)
Earnings Call filed with BSE, 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.