Summary

Punjab & Sind Bank has reported a 22.92% year-on-year growth in net profit for the second quarter of the financial year 2025-26. The operating profit also grew by 10.26%.

Key Highlights

1. 1

   Net Profit on Year-on-Year Basis grew by 22.92% from #240 Cr. to 2295 Cr.

2. 2

   Operating Profit on Year-on-Year Basis grew by 10.26% from #458 Cr. to 7505 Cr.

3. 3

   Total Business registered a growth of 12.19 % and stands at = 241272 Cr.

4. 4

   Total Deposit showed a growth of 9.42%, and Retail Term Deposits showed a growth of 17.60%.

5. 5

   Total advances grew by 15.97%, whereas RAM advances registered a healthy growth of 20.23%.

6. 6

   Retail advances registered a growth of 21.09%, Agriculture advances registered a growth rate of 12.90% & MSME advances registered a growth of 25.05%.

7. 7

   Gross NPA decreased by 129 bps from 4.21% to 2.92%.

8. 8

   Net NPA reduced by 63 bps from 1.46% to 0.83%.

9. 9

   Provision Coverage Ratio increased by 332 bps from 88.56% to 91.88%.

10. 10

    Total Income grew by 8.91% and stands at = 3374 cr.

11. 11

    Net Interest income grew by 8.82% and stands at = 950 cr.

12. 12

    Return on Assets (%) improved by 7 bps from 0.65% to 0.72%.

13. 13

    Cost to Income ratio reduced by 95 bps from 62.82% to 61.87%.

14. 14

    CRAR (%) improved by 30 bps from 16.89% to 17.19%.