Punjab & Sind Bank (NSE:PSB)

Q4 2026 Punjab & Sind Bank Earnings Call Transcript

Apr 28, 2026 / 05:30 AM GMT

Release Date Price: ₹25.08 (-2.41%)

Transcript

Key Points

Positve

Punjab & Sind Bank (BOM:533295) reported a historic growth in total business by 14.94%, reaching INR 2,63,652 crores.
The bank achieved its highest ever net profit of INR 1,322 crore, marking a 30.12% increase.
Gross advances showed robust growth of 18.29%, and retail term deposits grew by 19.58%.
Asset quality improved with gross NPA reduced to 2.4% and net NPA at 0.79%.
The bank's core fee income increased by over 22%, and non-interest income grew by 13.47%.

Negative

Net interest income was flat at 0.74%, impacted by a one-off interest income in the previous year.
The CASA ratio marginally dipped despite a 10% growth in CASA deposits.
There was a slight uptick in slippages due to residual stress in the MSME segment.
The net interest margin for the year was at 2.55%, which is lower than the previous year.
The cost-income ratio increased, indicating higher operational costs.

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

PUNA.NS - Punjab & Sind Bank
Q4 2026 Punjab & Sind Bank Earnings Call
Apr 28, 2026 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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The moderator for today's earnings call. I welcome and thank each one of you for joining us today for the Punjab and Hudson Bank's earnings call for Q4 FY26. 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# 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# on your phone. I would now like to introduce the management of Punjab and Sindbank. We have with us today Sri

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