FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED 30th SEPTEMBER 2026
Net Profit on Year-on-Year Basis grew by 39.66 % from ₹295 Cr. to ₹412 Cr.
Operating Profit on Year-on-Year Basis grew by 22.38% from ₹505 Cr. to ₹618 Cr.
Net Profit on Quarter-on-Quarter Basis grew by 24.47 % from ₹331 Cr. to ₹412 Cr.
Operating Profit on Quarter-on-Quarter Basis grew by 13.39% from ₹545 Cr. to ₹618 Cr.
RAM (%) increased by 553 bps from 55.84% to 61.37% on Year-on-Year Basis.
Gross NPA on Year-on-Year Basis decreased by 83 bps from 2.92% to 2.09%.
Net NPA on Year-on-Year Basis reduced by 22 bps from 0.83% to 0.61%.
Business per Branch improved from ₹148.77 Cr to ₹164.20 Cr. on Year-on-Year Basis.
Return on Assets (%) improved by 16 bps from 0.72% to 0.88% on Year-on-Year Basis.
NIM (%) improved by 17 bps from 2.60% to 2.77% on Year-on-Year Basis.
Key Highlights (Q2 FY2025-26 to Q2 FY2026-27)
Total Business registered growth of 15.73% and stands at ₹ 279231 Cr.
Total Deposit showed a growth of 12.97%, and Retail Term Deposits showed a growth of 9.64%.
Total advances grew by 19.28%, whereas RAM advances registered a healthy growth of 31.08%.
Retail advances registered a growth of 42.71%, Agriculture advances registered a growth of 16.01% & MSME advances registered a growth of 28.69%.
Provision Coverage Ratio increased by 60bps from 91.88% to 92.48 %.
Core fee income grew by 23.62% and stands at ₹246 cr.
Total Income grew by 11.06% and stands at ₹3747 cr.
Net Interest income grew by 22.32% and stands at ₹1162 cr.
Return on Equity (%) improved by 280 bps from 10.41% to 13.21%.
Cost to Income ratio reduced by 268 bps from 61.87% to 59.19%.
CRAR (%) reduced by 64 bps from 17.19% to 16.55%.
For PUNJAB & SIND BANK
Chief Manager (PR)
Press release on performance of the Bank for the Quarter and Half year ended 30th September 2026 — Page 1 of 2
Business Highlights for the Quarter ended 30th September 2026
(in Cr.)
| Q2FY25-26 | Q2FY26-27 | YoY (%) | |
| Total Business | 241272 | 279231 | 15.73% |
| Total Deposit | 135706 | 153312 | 12.97% |
| Retail Term Deposits | 61432 | 67354 | 9.64% |
| Total Advances | 105566 | 125919 | 19.28% |
| RAM Advances | 58953 | 77276 | 31.08% |
| RAM (%) | 55.84 | 61.37 | 553 bps |
| GNPA (₹ in Crores) | 3082 | 2636 | (14.47%) |
| GNPA (%) | 2.92 | 2.09 | (83) bps |
| NNPA (₹ in Crores) | 854 | 751 | (12.06%) |
| NNPA (%) | 0.83 | 0.61 | (22) bps |
Business Highlights for the Half Year ended 30th September 2026
(in Cr.)
| HY1 FY26 | HY1 FY27 | YoY (%) | |
| Operating Profit | 1045 | 1163 | 11.29% |
| Net Profit | 564 | 743 | 31.74% |
| Net Interest Income | 1851 | 2200 | 18.85% |
| Cost to Income Ratio | 61.20 | 59.68 | (152) bps |
| RoA | 0.70 | 0.81 | 11 bps |
| NIM | 2.56 | 2.65 | 9 bps |
| RoE | 10.13 | 12.19 | 206 bps |
| Core Fee Income | 343 Cr. | 410 Cr. | 19.53% |
For PUNJAB & SIND BANK
Chief Manager (PR)
Press release on performance of the Bank for the Quarter and Half year ended 30th September 2026 — Page 2 of 2
.jpg)
