Punjab & Sind Bank Posts Strong Q3 FY26 Results: PAT Surges 19.3% YoY to ₹336 Crore

Bank delivered a robust performance in the third quarter of FY26 (ended December 31, 2025), with net profit rising 19.3% year-on-year to ₹336.4 crore from ₹282 crore in the corresponding period last year. The growth was supported by higher income and continued improvement in asset quality. Here is the bank's key performance snapshot: Net Interest Income (NII) increased 5.1% YoY. Total income grew to ₹3,529 crore from ₹3,269 crore a year earlier. Gross NPAs improved to 2.60% (from 2.92% in Q2 FY26 and 3.83% YoY), with absolute gross NPAs declining to ₹2,870.8 crore from ₹3,082 crore sequentially. Net NPAs eased to 0.74% (from 0.83% QoQ and 1.25% YoY), with absolute net NPAs at ₹795.9 crore. Provisions stood at ₹137.8 crore (compared to ₹147.7 crore in Q2 and ₹109.3 crore YoY). Total business expanded 11.84% YoY to ₹2,49,691 crore. Total deposits rose 9.27% YoY to ₹1,39,203 crore, with CASA deposits up 4.99% QoQ to ₹43,182 crore (CASA ratio at 31.02%).