Punjab & Sind Bank
Public Sector · NSE PSB · Market cap ₹16,299
Latest FY FY2026
Loan growth
19.1%
Deposit growth
12.4%
NIM
2.5%
50th pctile
ROA
0.8%
ROE
9.8%
Gross NPA
2.2%
18th pctile
P/B
1.12x
60th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 19.1% | 17.7% | +1.4pp | — |
| Deposit growth | 12.4% | 13.4% | -1.0pp | — |
| CASA | 30.1% | 32.7% | -2.6pp | 11th |
| NIM | 2.5% | 3.6% | -1.0pp | 50th |
| ROA | 0.8% | 1.1% | -0.3pp | — |
| ROE | 9.8% | 12.4% | -2.6pp | — |
| Gross NPA | 2.2% | 1.9% | +0.3pp | 18th |
| Credit cost | 0.8% | 1.3% | -0.5pp | — |
| Cost/income | 60.2% | 55.1% | +5.1pp | — |
| CRAR | 17.6% | 18.9% | -1.3pp | — |
| P/B | 1.12x | 1.07x | +0.1pp | 60th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Gross NPA -33.8% YoY to 2.21 · abs(yoy)>=15%
- ▲Advances growing +5.1pp vs listed-bank aggregate (share 0.54%, +0.02pp 1Y) · |bank growth - system proxy growth| >= 5pp