Risks
4 risks
Risk Intelligence
Residual stress in MSME/agriculture segments
View Risks →
Punjab & Sind Bank — Q4 FY26
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%).
bullish
high
Financial stats pending filing verification
2-Minute Summary
✦ AI-Generated from Full Transcript
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.
Risks4 trackedTranscriptfull text
Research workspace
Focused Modules
Transcript
Full text
Call Transcript
Full transcript text is available on this route.
Read Transcript →Quarter Snapshot
Total Business
₹2,63,265 Cr
+14.94% YoY
Historic growth for the bank; deposits grew 12.37% and advances grew 18.29%.
Gross NPA Ratio
2.40%
-98 bps YoY
Improved from 3.38% last year; net NPA at 0.79%.
Core Fee Income
₹759 Cr
+22% YoY
Consistent growth driven by non-interest income; overall non-interest income grew 13.47%.
RAM Share of Advances
59%
+5pp YoY
Retail, agriculture, and MSME segments growing strongly; target to cross 60% in FY27.
Fast read
Guidance and risk preview
Management expects deposit growth in the range of 13-14% for the current financial year.
Slippages increased in Q4 due to MSME accounts; management acknowledged residual stress and need for vigilance.
View Risks →