Q1-FY27 · Swarup Kumar Saha
We have achieved 19% plus we feel that a 19 to 20% growth is very much possible and as per risk appetite as well.
PSB / language trends
Read confidence between the lines.
Punjab & Sind Bank · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY27 · Swarup Kumar Saha
The additional provision that you see is actually not due to any adverse movement in the asset quality but due to proactive creation of ECL provisions and more than what is currently required so that at the end of when it kicks in on 1st April we are in a better position.
Q1-FY27 · Swarup Kumar Saha
We have a three-year plan of increasing our bank's business to four lakh crore by FY29 and with having 2,000 branches.
Q3-FY26 · Swarup Kumar Saha
We have let go around Rs 3,000 crore of corporate loan book just because we didn't want to provide a repricing at a rate which is not convenient to us.
Q3-FY26 · Swarup Kumar Saha
We are looking at a number of 2.25% [gross NPA] by the end of March.
Q3-FY26 · Swarup Kumar Saha
ROA of 1% is surely possible by the end of March 27.
Q3-FY26 · Swarup Kumar Saha
We are building it [provisions] in one of the those two guaranteed state government accounts we are having provision of 30% one of them is at 20%.