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Punjab & Sind Bank Q4 Profit Jumps to ₹42.2B

April 27, 2026 4 mins read Firehose Gupta

Punjab & Sind Bank — Quarter and Year ended 31st March, 2026

Sl. No. Particulars Quarter Ended 31.03.2026 (Audited) Quarter Ended 31.12.2025 (Reviewed) Quarter Ended 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) Year Ended 31.03.2025 (Audited)
1 INTEREST EARNED (a+b+c+d) 302,999 304,198 315,894 1,198,150 1,148,130
a) Interest/ discount on advances/bills 217,793 219,827 233,050 858,059 815,774
b) Income on Investments 82,701 82,770 81,165 330,860 322,491
c) Interest on Balances with RBI & Other Inter Bank Funds 372 417 460 1,603 1,703
d) Others 2,133 1,184 1,219 7,628 8,162
2 Other Income 42,737 50,729 67,676 177,780 156,765
3 TOTAL INCOME (1+2) 345,736 354,927 383,570 1,375,930 1,304,895
4 Interest Expended 205,519 205,581 203,692 817,009 769,764
5 Operating Expenses (i)+(ii) 85,987 89,918 98,239 340,747 327,639
i) Employees Cost 49,634 55,981 64,220 206,935 208,849
ii) Other Operating Expenses 36,353 33,937 34,019 133,812 118,790
6 TOTAL EXPENDITURE (4+5) (excluding Provisions & Contingencies) 291,506 295,499 301,931 1,157,756 1,097,403
7 Operating Profit before Provisions & Contingencies (3-6) 54,230 59,428 81,639 218,174 207,492
8 Provisions (other than tax) and Contingencies (7,315) 13,781 37,402 42,941 73,737
Of Which Provisions for Non-Performing Assets 1,971 4,732 32,483 5,767 17,648
9 Exceptional Items 0 0 0 0 0
10 Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 61,545 45,647 44,237 175,233 133,755
11 Tax Expense 19,362 12,005 12,959 43,040 32,172
12 Net Profit (+)/ Loss (-) from Ordinary Activities after tax (10-11) 42,183 33,642 31,278 132,193 101,583
13 Extraordinary items (net of tax expense) 0 0 0 0 0
14 Net Profit (+)/ Loss (-) for the period (12-13) 42,183 33,642 31,278 132,193 101,583
15 Paid-up Equity Share Capital (Face Value Rs. 10/-) 709,559 709,559 709,559 709,559 709,559
16 Reserves excluding Revaluation Reserve (as per Balance Sheet of previous accounting year) 597,630 — 519,571 597,630 519,571
17 Analytical Ratios
(i) Percentage of shares held by Government of India 93.85 93.85 93.85 93.85 93.85
(ii) Capital Adequacy Ratio (Basel III) 17.42 16.83 17.41 17.42 17.41
a) CET 1 Ratio 15.92 15.28 15.59 15.92 15.59
b) Additional Tier 1 Ratio 0.00 0.00 0.00 0.00 0.00
(iii) Earning per share (of Rs. 10/- each) (Not Annualised) (Rs.)
a) Basic and diluted EPS before Extraordinary items (net of tax expense) for the period, for the year to date and for the previous year (not annualized) 0.59 0.47 0.46 1.86 1.50
b) Basic and diluted EPS after Extraordinary items for the period, for the year to date and for the previous year (not annualized) 0.59 0.47 0.46 1.86 1.50
(iv) NPA Ratios
a) Amount of Gross Non-Performing Assets 283,077 287,084 337,006 283,077 337,006
b) Amount of Net Non-Performing Assets 91,919 79,593 93,707 91,919 93,707
c) % of Gross NPAs 2.40 2.60 3.38 2.40 3.38
d) % of Net NPAs 0.79 0.74 0.96 0.79 0.96
(v) Return on Assets (Annualised) 0.96 0.79 0.79 0.79 0.67
(vi) Outstanding redeemable Preference shares (quantity and value) Nil Nil Nil Nil Nil
(vii) Capital redemption reserve /debenture redemption reserve N.A. N.A. N.A. N.A. N.A.
(viii) Net worth 1,194,488 1,194,488 1,335,476 1,194,488 1,335,476
Particulars Quarter Ended 31.03.2026 (Audited) Quarter Ended 31.12.2025 (Reviewed) Quarter Ended 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) Year Ended 31.03.2025 (Audited)
Public Shareholding: No. of Shares 43,653,4127 43,653,4127 43,653,4127 43,653,4127 43,653,4127
Public Shareholding: Percentage of Shareholding 6.15 6.15 6.15 6.15 6.15
Promoters and promoter group Share holding: Pledged/ Encumbered – Number of shares Nil Nil Nil Nil Nil
Promoters and promoter group Share holding: Pledged/ Encumbered – Percentage of Shares (as a % of the total shareholding of promoter and promoter group) Nil Nil Nil Nil Nil
Promoters and promoter group Share holding: Pledged/ Encumbered – Percentage of Shares (as a % of the total share capital of the Bank) Nil Nil Nil Nil Nil
Promoters and promoter group Share holding: Non-encumbered – Number of shares 6,659,051,093 6,659,051,093 6,659,051,093 6,659,051,093 6,659,051,093
Promoters and promoter group Share holding: Non-encumbered – Percentage of Shares (as a % of the total shareholding of promoter and promoter group) 100.00 100.00 100.00 100.00 100.00
Promoters and promoter group Share holding: Non-encumbered – Percentage of Shares (as a % of the total share capital of the Bank) 93.85 93.85 93.85 93.85 93.85
Particulars Quarter Ended 31.03.2026 (Audited) Quarter Ended 31.12.2025 (Reviewed) Quarter Ended 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) Year Ended 31.03.2025 (Audited)
1. Segment Revenue – a) Treasury 78,207 89,380 93,622 3,59,978 3,59,953
1. Segment Revenue – b) Corporate/ Wholesale Banking 99,674 1,04,864 68,510 4,17,106 4,22,470
1. Segment Revenue – c) Retail Banking 1,66,585 1,59,789 2,20,438 5,95,211 5,19,484
1. Segment Revenue – c) – Digital Banking 11 11 9 42 29
1. Segment Revenue – c) – Other Retail Banking 1,66,574 1,59,778 2,20,429 5,95,169 5,19,455
1. Segment Revenue – d) Other Banking Operations 1,270 894 1,000 3,635 2,988
1. Segment Revenue – Total 3,45,736 3,54,927 3,83,570 13,75,930 13,04,895
2. Segment Result – a) Treasury 8,791 19,323 22,725 79,411 88,977
2. Segment Result – b) Corporate/ Wholesale Banking 21,095 26,965 38,237 80,697 93,737
2. Segment Result – c) Retail Banking 34,675 39,204 68,373 1,15,155 1,15,263
2. Segment Result – c) – Digital Banking (55) (45) (45) (181) (149)
2. Segment Result – c) – Other Retail Banking 34,730 39,249 68,418 1,15,336 1,15,412
2. Segment Result – d) Other Banking Operations 1,270 894 1,000 3,635 2,988
2. Segment Result – Total 65,831 86,386 1,30,335 2,78,898 3,00,965
3. Unallocated Expenses 11,601 26,958 48,696 60,724 93,473
4. Operating Profit 54,230 59,428 81,639 2,18,174 2,07,492
5. Provisions & Contingencies (7,315) 13,781 37,402 42,941 73,737
6. Income Tax 19,362 12,005 12,959 43,040 32,172
7. Extra Ordinary Items 0 0 0 0 0
8. Net Profit 42,183 33,642 31,278 1,32,193 1,01,583
Particulars Quarter Ended 31.03.2026 (Audited) Quarter Ended 31.12.2025 (Reviewed) Quarter Ended 31.03.2025 (Audited) Year Ended 31.03.2026 (Audited) Year Ended 31.03.2025 (Audited)
9. Segment Assets – a) Treasury 5,019,552 4,984,416 4,765,322 5,019,552 4,765,322
9. Segment Assets – b) Corporate / Wholesale Banking 5,214,537 5,025,316 4,998,758 5,214,537 4,998,758
9. Segment Assets – c) Retail Banking 7,441,151 6,785,650 6,146,649 7,441,151 6,146,649
9. Segment Assets – c) – Digital Banking 381 366 218 381 218
9. Segment Assets – c) – Other Retail Banking 7,440,770 6,785,284 6,146,431 7,440,770 6,146,431
9. Segment Assets – d) Other Banking Operations 0 0 0 0 0
9. Segment Assets – e) Unallocated Assets 251,791 277,985 270,788 251,791 270,788
9. Segment Assets – Total Assets 17,927,031 17,073,367 16,181,517 17,927,031 16,181,517
10. Segment Liabilities – a) Treasury 4,689,713 4,652,481 4,403,312 4,689,713 4,403,312
10. Segment Liabilities – b) Corporate / Wholesale Banking 4,871,887 4,690,657 4,619,014 4,871,887 4,619,014
10. Segment Liabilities – c) Retail Banking 6,952,189 6,333,763 5,679,702 6,952,189 5,679,702
10. Segment Liabilities – c) – Digital Banking 562 491 367 562 367
10. Segment Liabilities – c) – Other Retail Banking 6,951,627 6,333,272 5,679,335 6,951,627 5,679,335
10. Segment Liabilities – d) Other Banking Operations 0 0 0 0 0
10. Segment Liabilities – e) Unallocated Liabilities 0 4,022 144,013 0 144,013
10. Segment Liabilities – Total Liabilities 16,513,789 15,680,923 14,846,041 16,513,789 14,846,041
Capital Employed – a) Treasury 329,839 331,935 362,010 329,839 362,010
Capital Employed – b) Corporate / Wholesale Banking 342,650 334,659 379,744 342,650 379,744
Capital Employed – c) Retail Banking 488,962 451,887 466,947 488,962 466,947
Capital Employed – c) – Digital Banking (181) (125) (149) (181) (149)
Capital Employed – c) – Other Retail Banking 489,143 452,012 467,096 489,143 467,096
Capital Employed – d) Other Banking Operations 0 0 0 0 0
Capital Employed – e) Unallocated Liabilities 251,791 273,963 126,775 251,791 126,775
Capital Employed – Total Capital Employed 1,413,242

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