Punjab & Sind
Financial Services · 1 quarter tracked · source-linked performance and management context.
Latest revenue
Pending
financial record pending verification
Quarters tracked
1
source records in the directory
Delivery assessment
Unscored
No scored management commitments are present yet.
Call date
2026-04-30
latest available source date
Signal trajectory
1 actual quarterCurrent read
Unscored
No scored management commitments are present yet.
Latest source read
What changed this quarter?
Punjab & Sind Bank reported its highest-ever net profit of ₹1,322 crore for FY26, up 30.12% YoY, driven by robust business growth (total business +14.94% to ₹2,63,265 crore) and strong asset quality (GNPA 2.40%, NNPA 0.79%). Core fee income grew 22%+ to ₹759 crore, while NIM remained under pressure at 2.55% due to low CASA and repo rate cuts. Management guided for FY27: deposit growth 13-14%, advances growth 16-18%, RAM share >60%, GNPA <2%, and credit cost <1%. NIM is expected to improve to 2.65-2.70% by year-end. Key risks include residual stress in MSME/agriculture segments and potential global economic headwinds impacting small businesses.
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Signal
Positive
Revenue
Pending
Source date
2026-04-30
Across the record
Quarter history.
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