Punjab and Sind Bank posts net profit of Rs. 312.78 crores in Q4 FY25

Punjab & Sind Bank has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 3835.70 crores during the period ended March 31, 2025 as compared to Rs. 3269.37 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 312.78 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. 281.96 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 0.46 for the period ended March 31, 2025 as compared to Rs. 0.42 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹ 3835.70 crs	₹3269.37 crs	17.32%
Net Profit	₹312.78 crs	₹281.96 crs	10.93%
EPS	₹0.46	₹0.42	9.52%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs. 3835.70 crores during the period ended March 31, 2025 as compared to Rs.2894.22 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs.312.78 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.139.35 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.0.46 for the period ended March 31, 2025 as compared to Rs.0.21 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹ 3835.70 crs	₹2894.22 crs	32.53%
Net Profit	₹312.78 crs	₹139.35 crs	124.46%
EPS	₹0.46	₹0.21	119.05%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.13048.95 crores during the Financial Year ended March 31, 2025 as compared to Rs.10915.45 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.1015.83 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.595.42 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.1.50 for the Financial Year ended March 31, 2025 as compared to Rs.0.88 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹13048.95 crs	₹10915.45 crs	19.55%
Net Profit	₹1015.83 crs	₹595.42 crs	70.61%
EPS	₹1.50	₹0.88	70.45%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹3370.06 crs	₹3675.81 crs	₹4665.35 crs
Gross NPA %	3.36%	3.83%	5.43%
Net NPA	₹937.07 crs	₹1168.86 crs	₹1350.46 crs
Net NPA %	0.96%	1.25%	1.63%

Gross NPA was at ₹ 3370.06 crs in Q4 FY2025 against ₹ 4665.35 crs in Q4 FY2024. The same was at ₹ 3675.81 crs in Q3 FY2025.

Net NPA was at ₹ 937.07 crs in Q4 FY2025 against ₹ 1350.46 crs in Q4 FY2024. The same was at ₹ 1168.86 crs in Q3 FY2025.

GNPA was at 3.36% of Gross advances as on March 31, 2025 as compared to 5.43% as on March 31, 2024 and 3.83% as of December 31, 2024.

Net NPA was at 0.96% of Gross advances as on March 31, 2025 as compared to 1.63% as on March 31, 2024 and 1.25% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	0.79%	0.73%	0.38%
CAR (BASEL III) %	17.41%	15.95%	17.16%

Return on Average Assets (RoA) is at 0.79% for Q4 FY2025 against 0.73% in Q3 FY2025 and 0.38% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 17.41%, as compared to 15.95% in Q3 FY2025 and 17.16% in Q4 FY2024.

Shares of Punjab & Sind Bank was last trading in BSE at Rs. 29.64 as compared to the previous close of Rs. 30.25. The total number of shares traded during the day was 1317739 in over 4556 trades.

The stock hit an intraday high of Rs. 31.03 and intraday low of 29.06. The net turnover during the day was Rs. 39706221.00.

Source : Equity Bulls

Keywords

PunjabandSindBank Q4FY25 Q4FY2025 FY2025 ResultUpdate