Punjab & Sind Bank — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Punjab & Sind Bank’s FY25 saw strong business growth with advances up nearly 16% to ~Rs.1 lakh Cr, deposits rising over 8% to Rs.1.3 lakh Cr, and NII jumping 33%. Operating profit surged 83% to Rs.2,075 Cr, while net profit rose 71% to Rs.1,016 Cr. Asset quality improved with gross NPA at 3.38% and net NPA at 0.96%. NIM expanded 40 bps to 2.85% and cost efficiency improved. FY26 plans include 15-16% loan growth, digital lending expansion with STP up to Rs.1 Cr, 150 new branches focusing on semi-urban/rural areas, and enhanced recovery efforts aiming over Rs.1,000 Cr. The bank remains confident in balanced growth, asset quality, and sustaining momentum.