Punjab & Sind Bank Q3 FY26 Earnings Call Transcript Released
Punjab & Sind Bank's Q3 FY26 earnings call transcript reveals total business of ₹2,49,499 Crore, up 11.75% YoY. Net profit grew 19.15% to ₹336 Crore. Gross NPA is 2.60% and Net NPA is 0.74%. The bank aims for 1% ROA by March 2027 and has an IT outlay of ₹900 Crore over three years.
The announcement provides detailed financial results and management commentary on growth strategies and performance, which are highly material for investors.
The bank reported strong growth in business, profits, and asset quality improvements, alongside positive future outlook and strategic initiatives.
Punjab & Sind Bank (PSB) has released the transcript of its earnings call held on January 20, 2026, discussing the Reviewed Unaudited Financial Results for the Quarter (Q3) and Nine Months ended December 31, 2025. The bank reported a total business of ₹2,49,499 Crore, with an 11.75% year-on-year growth. Deposits grew by 9.27% to ₹1,39,202 Crore, while advances increased by 15.05% to ₹1,10,297 Crore. CASA deposits showed a growth of 8.78%, and retail term deposits grew by 18.34%.
Operating Profit for Q3 FY26 rose by 22.73% to ₹594 Crore, and for the nine-month period, it stood at ₹1639 Crore, a growth of 30.18%. Net profit for the quarter was ₹336 Crore, up 19.15%, and for the nine months, it increased to ₹900 Crore, a growth of 28.02%. Net Interest Income (NII) grew by 5.01% for the quarter and 6.57% for the nine-month period. Core fee income, excluding treasury, recovery, and write-off accounts, grew by 28.97% YoY for the quarter and 19.33% for the nine-month period. Non-interest income grew by 50% YoY.
The bank's asset quality showed significant improvement, with Gross NPA at 2.60% (a decline of 123 bps YoY) and Net NPA at 0.74% (a decline of 51 bps YoY). Provision Coverage Ratio (PCR) increased to 92.23%. The slippage ratio was 0.16%, and the credit cost was 0.05%.
Focusing on the Retail, Agri, and MSME segments, growth was 21.94%, with RAM (Retail, Agri, MSME) to Total Advances improving to 57.45%, targeting 60% by March 2026 and 70% by FY 2026-27. Capital Adequacy Ratio (CRAR) stood at 16.83% (18.01% including nine-month profit). Cost to income ratio declined by 373 bps to 60.84%. Return on Assets (ROA) was 0.79%, with a target of around 0.80% and an aspiration to reach 1% by March 2027.
The bank is focusing on branch expansion, digital initiatives, and improving operational efficiency. Digital home loans and car loans have seen significant adoption. Future plans include implementing supply chain financing and cash management services. The bank also highlighted investments in HR transformation and technology, with an IT outlay of ₹900 Crore over the last three years.
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