Punjab & Sind Bank Q4 FY26: Apr 28 earnings call details

Key dates investors should track

Punjab & Sind Bank has scheduled its earnings call for April 28, 2026 at 11:00 AM to review the audited financial results for Q4 and the full year FY 2025-26. The call is set to follow the Board of Directors meeting on April 27, 2026, to approve the results. The board meeting is scheduled to be held in New Delhi. The agenda also includes consideration of a proposal to recommend a final dividend for FY 2025-26. For shareholders and analysts, the sequencing matters because the audited numbers and any dividend recommendation typically become clear only after the board meeting concludes.

What the Board meeting on April 27 will cover

The bank has indicated that the April 27, 2026 meeting will take up approval of the audited financial results for Q4 and FY 2025-26. Alongside the financial statements, directors are expected to consider whether to recommend a final dividend for FY 2025-26. A dividend recommendation, if made, would be an additional data point for investors assessing capital position and payout preferences. The meeting being held in New Delhi is consistent with the bank’s corporate decision-making process for statutory approvals. The earnings call on April 28 is expected to focus on explaining the numbers approved a day earlier, along with operational and balance sheet trends.

Earnings call on April 28: focus and participants

The earnings call is scheduled for April 28, 2026 at 11:00 AM. The stated purpose is to review the Q4 and full-year FY 2025-26 audited financial results. The bank has also highlighted key participants, with the list beginning with “Shri Swaru…” in the shared note, although the full names were not provided in the supplied text. In practice, such calls typically include senior management and provide a forum for analysts to ask questions on profitability, asset quality, capital ratios, and growth in deposits and advances. With the results being audited, the numbers discussed are expected to be the final reported figures for FY 2025-26.

Recent quarterly trends: Q3 FY26 operating picture

Ahead of the Q4 and full-year announcement, Punjab & Sind Bank has reported several operating metrics for Q3 FY26. Net interest income (NII) was reported at ₹2,837 crore for Q3 FY26. Non-interest income was reported at ₹1,350 crore, up 52% in the period referenced. The bank’s total business was reported at ₹2,49,499 crore as of December 31, 2025, up 11.75% year-on-year. Deposits were reported at ₹1,39,202 crore, up 9.27% year-on-year, and advances at ₹1,10,297 crore, up 15.05% year-on-year. Operating profit for Q3 FY26 was reported at ₹594 crore, up 22.73% year-on-year.

Standalone financials: income and profit snapshot from Q3 FY26 table

The bank’s standalone financial table (figures originally stated in ₹ lakh) provides additional detail for Q3 FY26. Interest earned for Q3 FY26 was 304,198 lakh, which converts to ₹3,041.98 crore. Total income for Q3 FY26 was 354,927 lakh, or ₹3,549.27 crore, compared with 326,937 lakh (₹3,269.37 crore) in Q3 FY25. Profit before tax for Q3 FY26 was 45,647 lakh, or ₹456.47 crore. Net profit after tax for Q3 FY26 was 33,642 lakh, or ₹336.42 crore, compared with 28,196 lakh (₹281.96 crore) in Q3 FY25. The same table lists capital adequacy ratio (Basel III) at 16.83% for Q3 FY26 and basic and diluted EPS at ₹0.47 for the quarter.

Asset quality and capital: what the disclosed metrics show

The provided material points to an improvement in asset quality over time. Gross NPA was cited as having reduced to 2.60% from 13.76% in FY21 in the highlighted summary. In the Q3 FY26 standalone table, gross non-performing assets were listed at 287,084 lakh, which converts to ₹2,870.84 crore, compared with 308,189 lakh (₹3,081.89 crore) in Q2 FY26 and 367,581 lakh (₹3,675.81 crore) in Q3 FY25. Capital ratios cited include CET-1 at 15.28% and overall CAR at 16.83%. The Government of India ownership was stated at 93.85%, underscoring the bank’s public-sector status and the importance of regulatory and capital discipline.

Auditor’s note: limited review with an emphasis of matter

For the quarter and nine months ended December 31, 2025, the Independent Auditor’s Limited Review Report was described as carrying no qualifications, concerns, or issues. The auditors issued a standard limited review report with moderate assurance, stating that nothing came to their attention indicating material misstatement. The report also included an “Emphasis of Matter” relating to amortization of an additional pension liability of ₹236.84 crore. Importantly, this emphasis did not modify the audit conclusion as described in the text. For investors, such disclosures are typically tracked for their potential impact on provisioning and reported profitability across periods.

What FY25 tells us about the bank’s earnings base

The context shared includes key profitability numbers for FY25 and Q4 FY25. In Q4 FY25, Punjab & Sind Bank reported a net profit of ₹313 crore and an operating profit of ₹816 crore. For the full year FY25, net profit was ₹1,016 crore. The Q4 FY25 net profit was described as a 125.18% year-on-year surge. In the FY25 performance review summary, net interest margins (NIM) were stated at 2.6% in FY25 versus 2.1% in FY24, and net profit margins were stated at 8.8% in FY25 versus 6.1% in FY24.

Recovery action data point flagged in January 2026

A separate operational data point referenced January 2026, stating that Punjab & Sind Bank had the lowest share of defaults among 11 public sector banks. The same note stated that the bank had initiated recovery suits for ₹27,955 crore against large defaulters. While the supplied text does not provide further breakdown by sector or vintage, the number is relevant because it indicates the scale of legal recovery action associated with stressed exposures. This backdrop is likely to frame investor questions on slippages, recoveries, and provisioning trends when FY 2025-26 audited results are discussed.

Summary table: upcoming events and key disclosed metrics

Why this call matters for FY26 evaluation

The April 28 call is the first scheduled forum tied directly to the audited Q4 and full-year FY 2025-26 numbers. Investors will use it to reconcile the quarterly operating trends reported earlier in FY26 with the audited year-end position. The presence of a dividend proposal on the board agenda also brings capital allocation into focus, alongside capital adequacy metrics such as CET-1 and CAR that have been cited. The bank has previously reported improving asset quality metrics, including lower gross NPAs relative to earlier years, and a reduction in gross NPA amounts across recent quarters as per the standalone table. Together, these points set the baseline for what analysts typically test on an earnings call: sustainability of income, provisioning stance, and balance sheet growth.

Closing note

Punjab & Sind Bank’s FY 2025-26 audited results are set to be approved on April 27, 2026, with the management discussion scheduled for April 28, 2026 at 11:00 AM. Any final dividend recommendation for FY 2025-26, if approved by the board, will be an additional headline item alongside the audited financial performance. The next concrete update is the outcome of the board meeting, followed by the detailed discussion during the earnings call.