Punjab & Sind Bank (PSB) has announced its reviewed unaudited financial results for the third quarter and nine months ended December 31, 2025. The bank reported a total business of ₹2,49,499 Crore as of December 2025, marking a year-on-year growth of 11.75%.

Total deposits reached ₹1,39,202 Crore, an increase of 9.27% YoY, while gross advances stood at ₹1,10,297 Crore, a substantial rise of 15.05% YoY. CASA deposits grew by 8.78% to ₹43,187 Crore, and retail term deposits saw a significant jump of 18.34% to ₹63,190 Crore.

Operating profit for Q3 FY26 was ₹594 Crore, up 22.73% YoY, though net profit saw a decline of 19.15% to ₹336 Crore. Net interest income decreased by 5.01% to ₹986 Crore, and core fee income fell by 28.97% to ₹187 Crore.

The bank has shown significant improvement in asset quality, with Gross NPA reducing to 2.60% and Net NPA to 0.74% as of December 2025. The Provision Coverage Ratio (PCR) with TWO stood at 92.23%.

PSB's Capital Adequacy Ratio (CRAR) was reported at 16.83% as of December 2025. The bank also highlighted its strategic initiatives, including digital product launches, ESG initiatives, and collaborations with government entities and other organizations to expand its reach and services.