By THE NEWSMAN OF INDIA.COM| Punjab & Sind Bank has announced its financial results for the quarter and half year ended September 30, 2025, registering notable improvement in profitability and operational efficiency across key parameters.

The Bank’s Net Profit on a year-on-year basis grew by 22.92%, rising from ₹240 crore to ₹295 crore. Similarly, Operating Profit witnessed a growth of 10.26%, increasing from ₹458 crore to ₹505 crore, reflecting robust operational performance.

Total Business grew by 12.19%, reaching ₹2,41,272 crore. Total Deposits showed a growth of 9.42%, while Retail Term Deposits recorded a healthy surge of 17.60%. On the lending side, Total Advances expanded by 15.97%, with RAM Advances registering a strong growth of 20.23%. Within this segment, Retail Advances increased by 21.09%, Agriculture Advances by 12.90%, and MSME Advances by an impressive 25.05%.

Asset quality showed remarkable improvement. The Gross NPA decreased by 129 bps, from 4.21% to 2.92%, while Net NPA reduced by 63 bps, from 1.46% to 0.83%. The Provision Coverage Ratio (PCR) also strengthened, rising by 332 bps to 91.88%, as against 88.56% a year earlier.

On the income front, the Total Income grew by 8.91%, reaching ₹3,374 crore, and the Net Interest Income (NII) grew by 8.82%,standing at ₹950 crore. The Return on Assets (ROA) improved by 7 bps, moving from 0.65% to 0.72%, while the Cost to Income Ratio reduced by 95 bps, from 62.82% to 61.87%.

Reflecting the Bank’s strong capital position, the Capital to Risk-weighted Assets Ratio (CRAR) improved by 30 bps, rising from 16.89% to 17.19%.

The results highlight Punjab & Sind Bank’s continued focus on profitable growth, asset quality enhancement, and prudent capital management, positioning it firmly on a path of sustained performance and stability.