Punjab & Sind Bank Quarterly Results

Pros & Cons

POSITIVES

Net interest income has shown consistent growth, indicating improved lending performance.
Reduction in non-performing assets (NPAs) reflects better asset quality management.
Cost-to-income ratio has decreased, showcasing enhanced operational efficiency.

NEGATIVES

Profit margins have remained under pressure due to competitive interest rates.
Loan growth has been sluggish compared to industry averages, affecting overall revenue potential.
Provisions for bad loans have increased, indicating lingering credit risk concerns.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	2,405.89	2,491.03	2,481.27	2,652.27	2,738.95	2,931.14	3,158.94	2,910.66
Expenses	2,413.89	2,575.72	2,557.87	2,529.42	2,639.91	2,785.39	3,019.31	2,839.29
Financing Profit	-8	-84.69	-76.60	122.85	99.04	145.75	139.63	71.37
Other Income	268.26	361.68	412.95	193.75	358.91	338.23	676.76	468.73
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	295.25	180.70	226.79	213.22	307.31	374.65	442.37	323.02
Tax	106.16	66.39	87.44	31.72	67.72	92.69	129.59	53.86
Net Profit	189.09	114.31	139.35	181.50	239.59	281.96	312.78	269.16
Gross Npa %	6.23	5.70	5.43	4.72	4.21	3.83	3.38	3.34
Net Npa %	1.88	1.80	1.63	1.59	1.46	1.25	0.96	0.91