Punjab & Sind Bank has informed the Exchange about Transcript
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Punjab & Sind Bank shared its Q4 FY25 earnings call transcript held on April 30, 2025. For FY25, total business grew 11.69% to Rs.2,29,379 crore, with deposits up 8.68% at Rs.1,29,774 crore and advances up 15.87% at Rs.99,605 crore. Net profit for the year jumped 70.76% to Rs.1,016 crore, while Q4 net profit surged 125.18% to Rs.313 crore. NIM improved 40 bps to 2.85%, cost-to-income ratio fell sharply to 61.23%, and gross/net NPAs dropped to 3.38% and 0.96% respectively, meeting all prior guidance. For FY26, management guided deposit growth of 8-10%, advances growth of 15-16%, CD ratio of 78-80%, GNPA below 2.5%, NNPA below 0.75%, ROA of 0.75-0.80%, and cost-to-income of 58-60%, while flagging potential NIM moderation due to expected rate cuts. The bank raised Rs.1,219 crore via QIP in Q4, plans to open 150 new branches, and is expanding digital lending and co-lending (current book Rs.3,300 crore).
Strong FY25 results beat all guidance parameters and signal improving asset quality and profitability, likely positive for the stock. However, FY26 NIM is expected to moderate due to rate cuts, which may temper margin expansion hopes. Branch expansion and digital initiatives could drive sustained loan growth going forward.