Punjab & Sind Bank Releases Reviewed Unaudited Financial Results for Quarter Ended June 30, 2026
Punjab & Sind Bank has released its Reviewed Unaudited Financial Results for the quarter ended June 30, 2026. The bank’s results reflected continued operations across all segments, demonstrating key figures related to income generation and asset quality metrics as of the end of the quarter.The bank's total revenue stood at ₹354,572 Lakhs for the quarter ended June 30, 2026, compared to ₹337,939 Lakhs in the previous year’s corresponding period. Net profit after tax for the quarter was reported as ₹33,151 Lakhs.
The bank's balance sheet details showed Total Assets of ₹18,170,063 Lakhs and Total Liabilities of ₹16,706,736 Lakhs as on June 30, 2026. In terms of prudential norms, the Capital Adequacy Ratio (Basel III) stood at 17.61%, with a CET 1 Ratio reported at 16.56%.
Operational and Asset Quality Highlights
In terms of asset quality metrics for the quarter, gross non-performing assets (NPA) were reported at ₹263,695 Lakhs, while net NPAs stood at ₹75,586 Lakhs. This translated to a NPA Ratio of 22.1% as of June 30, 2026.The bank also reported various lending activities and compliance matters:
- Priority Sector Lending (PSLC): The bank purchased PSLC amounting to ₹2,000 crore for the quarter ended June 30, 2026.
- Fraud Reporting: During the quarter, the bank reported 152.23 Crore in total amount related to non-borrowal and borrowal frauds to the Reserve Bank of India (RBI). The loss attributed to the bank from these fraud cases was ₹1.01 Crore.
- Security Cover: A security cover certificate confirmed that as unsecured obligations stood at ₹4,237.30 Crores on June 30, 2026, compliance with covenants for listed non-convertible debt securities was maintained.
Segment Reporting Analysis
The bank’s business operations were analyzed across four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Revenue and profit generation across the different segments showed diverse figures as detailed below:| Particulars | Q ended 30.06.2025 (Reviewed) | Q ended 31.03.2026 (Audited) | Q ended 30.06.2026 (Reviewed) |
|---|---|---|---|
| Total Revenue | 337,939 Lakhs | 345,736 Lakhs | 354,572 Lakhs |
| Operating Profit | 540,10 Lakhs | 542,30 Lakhs | 54,548 Lakhs |
| Net Profit | 26,916 Lakhs | 42,143 Lakhs | 33,151 Lakhs |
The Retail Banking segment’s revenue stood at ₹166,585 Lakhs for the quarter ended June 30, 2025. Assets and liabilities related to the bank were tracked across these segments, with total assets reaching ₹18,170,063 Lakhs as of June 30, 2026.
Key Financial Ratios (as on June 30, 2026)
A summary of key performance indicators available during the quarter:| Metric | Value |
|---|---|
| Capital Adequacy Ratio (Basel III) | 17.61% |
| CET 1 Ratio | 16.56% |
| Gross NPA Ratio | 22.1% |
| Net Profit after tax / Total Income | 935 (ratio) |
The bank also provided detailed figures regarding the status of MSME-related restructured accounts and loans not in default, showing that the aggregate principal outstanding of loans triled during the quarter was ₹1,992.65 Crore.
PSB Stock Price Movement
On Friday, Punjab & Sind Bank shares edged higher to settle at ₹24.77, following a 0.12% gain. The stock traded within an intraday range of ₹24.55 to ₹24.85, with 1.18 million shares exchanged during the session.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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