Punjab & Sind Bank — Investor Meet, 28-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

The bank reported strong Q3 FY26 results with total business up 11.75% YoY to Rs. 2,49,499 Cr, advances grew 15.05%, and deposits 9.27%. Net Profit rose 19.15% to Rs. 336 Cr. Asset quality improved significantly; Gross NPA at 2.60% (revised outlook to 2.25% by March '26) and Net NPA at 0.74%. The bank is aggressively growing Retail, Agri, MSME (RAM) loans, now 57.45% of total advances, targeting 70% by FY27. Management is confident on funding credit growth, with a focus on core fee income, digital initiatives, and branch expansion. ROA is targeted at 1% by March '27. The outlook is positive, driven by strategic portfolio shifts and efficiency gains.