Punjab & Sind Bank (PSB) — Financial Results

📢 Key Event
PSB reports 15.27% YoY business growth to Rs 2.66 lakh crores in Q1 FY27

🔄 What Changed
Net profit grew 23.05% YoY to Rs 331 crores; Gross NPA improved to 2.21%; PCR increased to 92.33%

🔮 What's Next
Targeting 18-20% credit growth for FY27; cost-to-income ratio below 50% within 2-3 years; NIM guidance of 2.60%-2.65%

💡 Investor Takeaway
Improving profitability and asset quality with strong credit growth and digital-driven expansion plans

Punjab & Sind Bank reported 15.27% YoY business growth to Rs 2.66 lakh crores in Q1 FY27, driven by 19.35% credit expansion across retail (36%), agri (25%+), and MSME (32%) segments. Net profit rose 23.05% YoY to Rs 331 crores with improved asset quality (Gross NPA 2.21%, Net NPA 0.65%) and PCR at 92.33%. Core fee income grew 13.89% to Rs 900-1000 crores target for FY27, supported by digital initiatives and co-lending expansion. Management projects 18-20% credit growth for FY27 and targets cost-to-income below 50% within 2-3 years.

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About Punjab & Sind Bank (PSB)

Financial Services · Banks · Listed on NSE

Market Cap: ₹16,234.7 Cr P/E: 11.7 ROE: 9.8% ROCE: 33.5% Div Yield: 1.70%

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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