| Metric | Value (₹ Cr) | Q1 FY26 | Q2 FY25 |
|---|---|---|---|
| Revenue | 3.0K | 3.0% | 9.5% |
| Total Income | 3.4K | 0.2% | 8.9% |
| Expenditure | 2.9K | 1.0% | 270.7% |
| PBT | 357.39 | 10.6% | 16.3% |
| Net Profit | 294.52 | 9.4% | 22.9% |
| OPM | 16.84% | 1.72pp | 0.12pp |
| NPM | 8.73% | 0.77pp | 0.02pp |
| EPS | 0.42 | 10.5% | 1300.0% |
Punjab & Sind Bank Reports 22.92% YoY Growth in Net Profit for Q2 FY2025-26
16 Oct 2025 · 16 Oct 2025, 08:06 pm
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
Net Profit on Year-on-Year Basis grew by 22.92% from #240 Cr. to 2295 Cr.
- 2
Operating Profit on Year-on-Year Basis grew by 10.26% from #458 Cr. to 7505 Cr.
- 3
Total Business registered a growth of 12.19 % and stands at = 241272 Cr.
- 4
Total Deposit showed a growth of 9.42%, and Retail Term Deposits showed a growth of 17.60%.
- 5
Total advances grew by 15.97%, whereas RAM advances registered a healthy growth of 20.23%.
- 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
Gross NPA decreased by 129 bps from 4.21% to 2.92%.
- 8
Net NPA reduced by 63 bps from 1.46% to 0.83%.
- 9
Provision Coverage Ratio increased by 332 bps from 88.56% to 91.88%.
- 10
Total Income grew by 8.91% and stands at = 3374 cr.
- 11
Net Interest income grew by 8.82% and stands at = 950 cr.
- 12
Return on Assets (%) improved by 7 bps from 0.65% to 0.72%.
- 13
Cost to Income ratio reduced by 95 bps from 62.82% to 61.87%.
- 14
CRAR (%) improved by 30 bps from 16.89% to 17.19%.
Management Comments
Not Provided
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