| Margins | NIM improved 17 bps YoY to 2.77%. |
|---|---|
| Demand visibility | Strong credit growth in RAM segments: Retail (42.71%), MSME (28.69%), Agri (16.01%). |
| Management confidence | High; emphasizing 'Strong Business Growth Continues' and 'Significant Improvement' in asset quality. |
Growth
Net Interest Income grew 22.32% YoY; Operating Profit rose 22.38% YoY. Gross Advances increased 19.28% YoY to ₹125,919 Cr.
Outlook
Focus on sustainable growth, operational efficiency, and digital journey. CRAR remains healthy at 16.55%.
Risks
Slippage ratio slightly increased to 0.20%. CASA ratio moderated to 28.83% from 30.31% YoY.
Last quarter's promises, checked
Delivered
- RAM share >60% → delivered 60.02% (Q1) and 61.37% (Q2) (= BEAT)
- NIM 2.60%-2.65% → delivered 2.77% (Q2) (= BEAT)
- Credit growth 16%-18% → delivered 19.28% (Q2) (= BEAT)
Partly delivered
- Cost-to-income below 60% → delivered 60.21% (Q1) (= PARTIAL)
Missed
- CASA growth 10.2% (Q1) → delivered 28.83% ratio (Q2 moderation) (= MISS)
Investor Presentation filed with BSE, NSE: PSB. Summary written with AI assistance from the document.
Punjab & Sind Bank: key numbers
- Share price
- ₹18.72
- Market cap
- ₹13,283 Cr
- Revenue (annual)
- ₹11,982 Cr
- Net profit (annual)
- ₹1,322 Cr
- P/E (TTM)
- 8.8×Sector 19.7×
- Promoter holding
- 93.85%+0.00% QoQ
- FII holding
- 0.12%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Punjab & Sind Bank
All →Punjab & Sind Bank Debt & Borrowing: ₹562.5 Cr
Punjab & Sind Bank confirmed payment of redemption proceeds and interest on its Tier II bonds, totaling ₹562.49 Crore. This update fulfills regulatory compliance requirements.
- Value
- ₹562.5 Cr
Punjab & Sind Bank Results Update
Punjab & Sind Bank reported financial results for the quarter ending September 30, 2026, with year-on-year Net Profit growing 39.66% to ₹412 Crore.
Punjab & Sind Bank Q2 FY27 Results: Net Profit ₹412 Cr, Up 39.9% YoY
Punjab & Sind Bank reported revenue from operations of ₹3,394 Cr (+13.2% YoY) and net profit of ₹412 Cr (+39.9% YoY) for Q2 FY27.
- Key figure
- Net profit ₹412 Cr · +39.9% YoY
Punjab & Sind Bank Other Announcement
Punjab & Sind Bank submitted its quarterly shareholding pattern for the period ended September 30, 2026, as required by SEBI regulations.
Punjab & Sind Bank Board Meeting Date
Punjab & Sind Bank has scheduled a board meeting on October 17, 2026, to consider and approve the unaudited financial results for the quarter ended September 30, 2026.
Punjab & Sind Bank Debt & Borrowing
Punjab & Sind Bank filed its half-yearly statement of outstanding bonds as on 30.09.2026. Four bond issues totaling ₹4,237.30 Crore remain outstanding under SEBI disclosure requirements.