Punjab & Sind Bank (BOM:533295)

Q1 2027 Punjab & Sind Bank Earnings Call Transcript

Jul 20, 2026 / 10:30 AM GMT

Release Date Price: ₹24.89 (+0.44%)

Transcript

Key Points

Positve

Overall business grew by 15.27%, with advances growing at 19.35% and deposits at 12.16%.
Retail, agriculture, and MSME segments showed strong growth, with retail growing at 36%, agriculture at 25%+, and MSME at over 32%.
Net interest income increased by 15.33% year-over-year, indicating strong performance post-repo rate adjustments.
Asset quality improved with gross NPA at 2.21% and net NPA at 0.65%, and the provision coverage ratio (PCR) improved to 92.33%.
Core fee income grew by 13.89%, and the bank has set a target of INR 900 to INR 1,000 crores of core fee income for the current year.

Negative

Operating profit remained flat at Rs 545 crores, with reduced contributions from treasury income and recovery of accounts.
Net profit growth was lower than expected due to increased provisioning and lower other income.
The cost-to-income ratio dipped slightly to 60.21%, indicating potential inefficiencies.
Slippages were at 207 crores, with a slippage ratio of 0.18% for the quarter, indicating some stress in the MSME accounts.
The bank's growth in deposits was slightly below the 13% to 14% range, which could impact future funding costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PUNA.NS - Punjab & Sind Bank
Q1 2027 Punjab & Sind Bank Earnings Call
Jul 20, 2026 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Each one of you for joining us today for the Punjab Sindh Banks earnings call for Q1 FY27.

Please note that this conference is being recorded and all participant lines will be in the listen-only mode. There will be an opportunity for you to ask questions after the opening remarks by the management.

Should you need any assistance during the conference call, please raise your hand on the WebEx panel or press *3 hash on your phone. I repeat, should you need any assistance during the conference call, please raise your hand on the WebEx panel or press *3 hash on your phone.

I would now like to introduce the management of Punjab and Sinbank. We have with us today Shri Swarup Kumar Saha, Managing Director and

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