Summary

Punjab & Sind Bank has announced its financial results for Q4 and FY ended March 31, 2025. The bank's net profit grew significantly in both Q4 and FY25, with a 125.18% increase in Q4 and a 70.76% increase in FY25. The operating profit also saw a substantial increase in both periods.

Key Highlights

1. 1

   Net Profit for Q4FY25 grows by 125.18% to ₹ 313 crore

2. 2

   Net Profit for FY25 grows by 70.76% to ₹ 1,016 crore

3. 3

   Operating Profit for Q4 FY25 increases by 142.86% to ₹ 816 crore

4. 4

   Operating Profit for FY25 grows by 83.47% to ₹ 2,075 crore

5. 5

   Cost to Income ratio for Q4 FY25 improves by 1488 bps to 54.61%

6. 6

   Net Interest Margin for Q4 FY 25 increased by 87 bps, reaching to 3.19%

7. 7

   Yield on Advances for Q4 FY25 increased by 102 bps and stands at 9.69%

8. 8

   Return on Assets for Q4 FY 25 increased by 41 bps and stands at 0.79%

9. 9

   Net Interest Income for Q4 FY 25 surged by 62.84% reaching €1,122 crore

10. 10

    Gross NPA decreased significantly by 205 bps, reaching to 3.38%

11. 11

    Net NPA reduced by 67 bps and stands at 0.96%

12. 12

    Provision Coverage Ratio increased by 269 bps and stands at 91.38%

13. 13

    Total Business recorded a growth of 11.69%, rising to $229,379 crore

14. 14

    Total Deposits grew by 8.68%, with Retail Term Deposits rising by 9.81%

15. 15

    Total Advances grew by 15.87%, while RAM Advances recorded a growth of 23.53%