PSB Punjab & Sind Bank Q3 FY26 results (Oct–Dec 2025) and concall
Punjab & Sind Bank delivered a strong Q3 FY26 performance, marked by 11.75% YoY total business growth and significant asset quality improvement, with Gross NPA falling to 2.60% and Net NPA to 0.74%. The bank's operating profit rose 22.73% to Rs.594 crore, driven by robust core fee income growth. Management is strategically focusing on RAM segments, digital transformation, and branch expansion to achieve a 1% RoA by March 2027 and a Cost-to-Income ratio of 50-55% by the same period, despite ongoing NIM pressures.
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What they filed
Q3 FY26: revenue up 3.8%, net profit up 19.1% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 2,931 | 3,159 | 2,911 | 2,999 | 3,042 +4% |
| Net profit | 282 | 313 | 269 | 295 | 336 +19% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
