Punjab & Sind Bank has announced its reviewed unaudited financial results for the third quarter and nine months ended December 31, 2025, showing steady improvement in profitability, asset quality, and core banking metrics.
The bank reported a net profit of Rs 310 crore, marking a strong turnaround compared to a loss of Rs 287 crore in the corresponding quarter last year. Operating profit for the quarter stood at Rs 736 crore, supported by improved interest income and tighter cost controls.
Net interest income rose to Rs 1,317 crore during Q3 FY26, reflecting better lending performance and improved margins. The bank’s total income for the quarter increased to Rs 3,558 crore, while total expenses were contained at Rs 2,822 crore.
Asset quality continued to strengthen, with gross non-performing assets declining to 5.69 per cent from 6.84 per cent a year earlier. Net NPAs improved to 0.84 per cent, underscoring better recovery and prudent credit risk management. The provision coverage ratio remained comfortable at 96.89 per cent.
Business growth remained stable, with total business reaching Rs 1.99 lakh crore. Total deposits stood at Rs 1.11 lakh crore, while gross advances were Rs 88,119 crore. Growth in retail, agriculture, and MSME segments continued to support diversified credit expansion.
Capital adequacy remained strong at 16.41 per cent, with Tier-1 capital at 14.25 per cent, providing sufficient headroom for future growth. The bank also reported improvement in operational efficiency, supported by better business per employee and branch productivity.
Punjab & Sind Bank operated over 1,530 branches across India, maintaining a strong presence in semi-urban and rural markets and continuing its focus on financial inclusion.
The bank said it remains focused on strengthening its balance sheet, improving asset quality, and driving sustainable growth through prudent lending and digital initiatives in the coming quarters.
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