Punjab & Sind Bank has informed the Exchange about Investor Presentation
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Punjab & Sind Bank shared its Q1 FY26 investor presentation showing strong YoY growth. Net profit jumped 47.80% to Rs. 269 Cr and operating profit rose 70.35% to Rs. 540 Cr. Total business grew 10.94% to Rs. 2,31,132 Cr, with total advances up 13.92% to Rs. 99,950 Cr and retail advances surging 29% to Rs. 22,573 Cr. Asset quality improved sharply with Gross NPA falling to 3.34% (from 4.72%) and Net NPA to 0.91% (from 1.59%), while Provision Coverage Ratio rose to 91.77%. Capital adequacy stood strong at 17.90%, RoA at 0.67%, and cost-to-income ratio improved by 912 bps to 60.55%. The bank provided FY26 guidance targeting Gross NPA below 2.5%, Net NPA below 0.75%, advances growth of 15-16%, and RAM share above 57%.
Strong YoY profit growth, improving asset quality, and clear FY26 guidance with aggressive targets (especially GNPA below 2.5%) signal positive momentum and could support investor confidence. However, QoQ profit declined 14% and NIM remains under pressure, which may temper near-term enthusiasm.