♥
ISIN : INE608A01012
NSE : PSB
BSE : 533295
Face Value : 10
Industry : Bank - Public
EPS : 0.88
EPS (TTM) : 1.00
Price to Earning (P/E) : 49.52
Book Value : 21.34
Price to Bookvalue (P/B) : 2.04
Dividend Yield : 0 %
Return on Equity (ROE) : 4.15 %
Return on Capital Employed (ROCE) : 5.98 %
Punjab & Sind Bank
ISIN : INE608A01012
NSE : PSB
BSE : 533295
Face Value : 10
Industry : Bank - Public
EPS : 0.88
EPS (TTM) : 1.00
Price to Earning (P/E) : 49.52
Book Value : 21.34
Price to Bookvalue (P/B) : 2.04
Dividend Yield : 0 %
Return on Equity (ROE) : 4.15 %
Return on Capital Employed (ROCE) : 5.98 %
Punjab & share price(02-Apr-2026) | |
|---|---|
| Open / Close | 0 - 0 NAN % |
| Low / High | 0 - 0 NAN % |
| Trade Volume | 0 |
| 52 Week Low / High | 0 - 0 NAN % |
| Open / Close | 21.84 - 22.31 2.2 % |
| Low / High | 21.2 - 22.43 5.8 % |
| Trade Volume | 2.07 Lk |
| 52 Week Low / High | 20.46 - 34.43 68.3 % |
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CONSOLIDATED QUARTERLY RESULT FOR PUNJAB & SIND BANK
| Date End | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| No of months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months |
| Interest Earned | 18004.7 | 19798.8 | 21074.4 | 21049.4 | 23157.9 | 24058.9 | 24910.3 | 24812.7 | 26522.7 | 27389.5 |
| Income On Investments | 5485.3 | 5983.5 | 6213.2 | 5911.4 | 6164.2 | 6626.6 | 6827.1 | 6942.4 | 8129.5 | 7989 |
| Interest On Balances With Rbi Other Inter Bank Funds | 112.5 | 53.1 | 90.2 | 51.3 | 48.5 | 50.6 | 63.3 | 57.9 | 24.7 | 37.8 |
| Interest / Discount On Advances / Bills | 12205.7 | 13565.8 | 14342.9 | 14910 | 16777.5 | 17211.8 | 17845.1 | 17678 | 18245.2 | 18983.3 |
| Others | 201.2 | 196.4 | 428.1 | 176.7 | 167.7 | 169.9 | 174.8 | 134.4 | 123.3 | 379.4 |
| Other Income | 1150 | 1402.9 | 1376.3 | 5470.4 | 1785.8 | 2682.6 | 3616.8 | 4129.5 | 1937.5 | 3589.1 |
| Total Income | 19154.7 | 21201.7 | 22450.7 | 26519.8 | 24943.7 | 26741.5 | 28527.1 | 28942.2 | 28460.2 | 30978.6 |
| Interest Expended | 10910.1 | 12047.4 | 13024.4 | 14211.6 | 15782.3 | 17310.1 | 17517.5 | 17919.5 | 18022.4 | 18661 |
| Operating Expenses | 5724.9 | 5978 | 5983 | 6948.1 | 6588 | 6828.8 | 8239.7 | 7659.2 | 7271.8 | 7738.1 |
| Total Expenditure | 5724.9 | 5978 | 5983 | 6948.1 | 6588 | 6828.8 | 8239.7 | 7659.2 | 7271.8 | 7738.1 |
| Operating Profit Before Provisions and Contingencies | 2519.7 | 3176.3 | 3443.3 | 5360.1 | 2573.4 | 2602.6 | 2769.9 | 3363.5 | 3166 | 4579.5 |
| Provisions and contingencies | -302.3 | 1249.1 | -2074.6 | -571.2 | 231 | -349.9 | 962.9 | 1095.6 | 1033.8 | 1506.4 |
| Profit Before Tax | 2822 | 1927.2 | 5517.9 | 5931.3 | 2342.4 | 2952.5 | 1807 | 2267.9 | 2132.2 | 3073.1 |
| Tax | 775 | -853.8 | 1785.5 | 1361.4 | 815.7 | 1061.6 | 663.9 | 874.4 | 317.2 | 677.2 |
| Profit After Tax | 2047 | 2781 | 3732.4 | 4569.9 | 1526.7 | 1890.9 | 1143.1 | 1393.5 | 1815 | 2395.9 |
| Net Profit | 2047 | 2781 | 3732.4 | 4569.9 | 1526.7 | 1890.9 | 1143.1 | 1393.5 | 1815 | 2395.9 |
| Equity Capital | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 |
| Face Value (IN RS) | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Reserves | 74185 | 76892.5 | ||||||||
| % of Shares held by Govt | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 |
| Amount of Gross NPAs | 82437.4 | 71284.5 | 64999.1 | 56482.1 | 54641.6 | 51064.1 | 47592.3 | 46653.5 | 41449.3 | 38354.2 |
| Amount of Net NPAs | 16916 | 15284.9 | 14691.4 | 14115 | 14889.7 | 14732.6 | 14437.7 | 13504.6 | 13502.5 | 12939.4 |
| % of Net NPAs | 2.56 | 2.24 | 2.02 | 1.84 | 1.95 | 1.88 | 1.8 | 1.63 | 1.59 | 1.46 |
| % of Gross NPAs | 11.34 | 9.67 | 8.36 | 6.97 | 6.8 | 6.23 | 5.7 | 5.43 | 4.72 | 4.21 |
| Return on Assets | 0.64 | 0.84 | 1.11 | 1.33 | 0.43 | 0.52 | 0.31 | 0.38 | 0.5 | 0.65 |
| No of Public Share Holdings | 118735000 | |||||||||
| % of Public Share Holdings | 1.75 | |||||||||
| Diluted Eps After Extraordinary Items | 0.3 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 |
| Diluted Eps Before Extraordinary Items | 0.3 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 |
STANDALONE QUARTERLY RESULT FOR PUNJAB & SIND BANK
| Date End | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| No of months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months | 3 months |
| Interest Earned | 18004.7 | 19798.8 | 21074.4 | 21049.4 | 23157.9 | 24058.9 | 24910.3 | 24812.7 | 26522.7 | 27389.5 |
| Income On Investments | 5485.3 | 5983.5 | 6213.2 | 5911.4 | 6164.2 | 6626.6 | 6827.1 | 6942.4 | 8129.5 | 7989 |
| Interest On Balances With Rbi Other Inter Bank Funds | 112.5 | 53.1 | 90.2 | 51.3 | 48.5 | 50.6 | 63.3 | 57.9 | 24.7 | 37.8 |
| Interest / Discount On Advances / Bills | 12205.7 | 13565.8 | 14342.9 | 14910 | 16777.5 | 17211.8 | 17845.1 | 17678 | 18245.2 | 18983.3 |
| Others | 201.2 | 196.4 | 428.1 | 176.7 | 167.7 | 169.9 | 174.8 | 134.4 | 123.3 | 379.4 |
| Other Income | 1150 | 1402.9 | 1376.3 | 5470.4 | 1785.8 | 2682.6 | 3616.8 | 4129.5 | 1937.5 | 3589.1 |
| Total Income | 19154.7 | 21201.7 | 22450.7 | 26519.8 | 24943.7 | 26741.5 | 28527.1 | 28942.2 | 28460.2 | 30978.6 |
| Interest Expended | 10910.1 | 12047.4 | 13024.4 | 14211.6 | 15782.3 | 17310.1 | 17517.5 | 17919.5 | 18022.4 | 18661 |
| Operating Expenses | 5724.9 | 5978 | 5983 | 6948.1 | 6588 | 6828.8 | 8239.7 | 7659.2 | 7271.8 | 7738.1 |
| Total Expenditure | 5724.9 | 5978 | 5983 | 6948.1 | 6588 | 6828.8 | 8239.7 | 7659.2 | 7271.8 | 7738.1 |
| Operating Profit Before Provisions and Contingencies | 2519.7 | 3176.3 | 3443.3 | 5360.1 | 2573.4 | 2602.6 | 2769.9 | 3363.5 | 3166 | 4579.5 |
| Provisions and contingencies | -302.3 | 1249.1 | -2074.6 | -571.2 | 231 | -349.9 | 962.9 | 1095.6 | 1033.8 | 1506.4 |
| Profit Before Tax | 2822 | 1927.2 | 5517.9 | 5931.3 | 2342.4 | 2952.5 | 1807 | 2267.9 | 2132.2 | 3073.1 |
| Tax | 775 | -853.8 | 1785.5 | 1361.4 | 815.7 | 1061.6 | 663.9 | 874.4 | 317.2 | 677.2 |
| Profit After Tax | 2047 | 2781 | 3732.4 | 4569.9 | 1526.7 | 1890.9 | 1143.1 | 1393.5 | 1815 | 2395.9 |
| Net Profit | 2047 | 2781 | 3732.4 | 4569.9 | 1526.7 | 1890.9 | 1143.1 | 1393.5 | 1815 | 2395.9 |
| Equity Capital | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 | 67777.9 |
| Face Value (IN RS) | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Reserves | 74185 | 76892.5 | ||||||||
| % of Shares held by Govt | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 |
| Amount of Gross NPAs | 82437.4 | 71284.5 | 64999.1 | 56482.1 | 54641.6 | 51064.1 | 47592.3 | 46653.5 | 41449.3 | 38354.2 |
| Amount of Net NPAs | 16916 | 15284.9 | 14691.4 | 14115 | 14889.7 | 14732.6 | 14437.7 | 13504.6 | 13502.5 | 12939.4 |
| % of Net NPAs | 2.56 | 2.24 | 2.02 | 1.84 | 1.95 | 1.88 | 1.8 | 1.63 | 1.59 | 1.46 |
| % of Gross NPAs | 11.34 | 9.67 | 8.36 | 6.97 | 6.8 | 6.23 | 5.7 | 5.43 | 4.72 | 4.21 |
| Return on Assets | 0.64 | 0.84 | 1.11 | 1.33 | 0.43 | 0.52 | 0.31 | 0.38 | 0.5 | 0.65 |
| No of Public Share Holdings | 118735000 | |||||||||
| % of Public Share Holdings | 1.75 | |||||||||
| Diluted Eps After Extraordinary Items | 0.3 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 |
| Diluted Eps Before Extraordinary Items | 0.3 | 0.41 | 0.55 | 0.67 | 0.23 | 0.28 | 0.17 | 0.21 | 0.27 | 0.35 |
CONSOLIDATED ANNUAL RESULT FOR PUNJAB & SIND BANK
| Date End | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|
| No of months | 12 months | 12 months | 12 months |
| Interest Earned | 70958.1 | 79927.3 | 96939.8 |
| Income On Investments | 20946.6 | 23593.4 | 26560.3 |
| Interest On Balances With Rbi Other Inter Bank Funds | 1184.3 | 307.1 | 220.3 |
| Interest / Discount On Advances / Bills | 47784.1 | 55024.4 | 69512.4 |
| Others | 1043.1 | 1002.4 | 646.8 |
| Other Income | 9593.8 | 9399.6 | 12214.7 |
| Total Income | 80551.9 | 89326.9 | 109154 |
| Interest Expended | 44445 | 50193.5 | 68529.4 |
| Operating Expenses | 22806 | 24634 | 29315.7 |
| Total Expenditure | 22806 | 24634 | 29315.7 |
| Operating Profit Before Provisions and Contingencies | 13300.9 | 14499.4 | 11309.4 |
| Provisions and contingencies | 1434 | -1699 | 1939.6 |
| Profit Before Tax | 11866.9 | 16198.4 | 9369.8 |
| Tax | 1476.4 | 3068.1 | 3415.6 |
| Profit After Tax | 10390.5 | 13130.3 | 5954.2 |
| Net Profit | 10390.5 | 13130.3 | 5954.2 |
| Equity Capital | 67777.9 | 67777.9 | 67777.9 |
| Face Value (IN RS) | 10 | 10 | 10 |
| Reserves | 63129 | 74185 | 76892.5 |
| % of Shares held by Govt | 98.25 | 98.25 | 98.25 |
| Amount of Gross NPAs | 85648.2 | 56482.1 | 46653.5 |
| Amount of Net NPAs | 17422.7 | 14115 | 13504.6 |
| % of Net NPAs | 2.74 | 1.84 | 1.63 |
| % of Gross NPAs | 12.17 | 6.97 | 5.43 |
| Return on Assets | 0.85 | 0.98 | 0.41 |
| No of Public Share Holdings | 118735000 | ||
| % of Public Share Holdings | 1.75 | ||
| Diluted Eps After Extraordinary Items | 2.56 | 1.94 | 0.88 |
| Diluted Eps Before Extraordinary Items | 2.56 | 1.94 | 0.88 |
STANDALONE ANNUAL RESULT FOR PUNJAB & SIND BANK
| Date End | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|
| No of months | 12 months | 12 months | 12 months |
| Interest Earned | 70958.1 | 79927.3 | 96939.8 |
| Income On Investments | 20946.6 | 23593.4 | 26560.3 |
| Interest On Balances With Rbi Other Inter Bank Funds | 1184.3 | 307.1 | 220.3 |
| Interest / Discount On Advances / Bills | 47784.1 | 55024.4 | 69512.4 |
| Others | 1043.1 | 1002.4 | 646.8 |
| Other Income | 9593.8 | 9399.6 | 12214.7 |
| Total Income | 80551.9 | 89326.9 | 109154 |
| Interest Expended | 44445 | 50193.5 | 68529.4 |
| Operating Expenses | 22806 | 24634 | 29315.7 |
| Total Expenditure | 22806 | 24634 | 29315.7 |
| Operating Profit Before Provisions and Contingencies | 13300.9 | 14499.4 | 11309.4 |
| Provisions and contingencies | 1434 | -1699 | 1939.6 |
| Profit Before Tax | 11866.9 | 16198.4 | 9369.8 |
| Tax | 1476.4 | 3068.1 | 3415.6 |
| Profit After Tax | 10390.5 | 13130.3 | 5954.2 |
| Net Profit | 10390.5 | 13130.3 | 5954.2 |
| Equity Capital | 67777.9 | 67777.9 | 67777.9 |
| Face Value (IN RS) | 10 | 10 | 10 |
| Reserves | 63129 | 74185 | 76892.5 |
| % of Shares held by Govt | 98.25 | 98.25 | 98.25 |
| Amount of Gross NPAs | 85648.2 | 56482.1 | 46653.5 |
| Amount of Net NPAs | 17422.7 | 14115 | 13504.6 |
| % of Net NPAs | 2.74 | 1.84 | 1.63 |
| % of Gross NPAs | 12.17 | 6.97 | 5.43 |
| Return on Assets | 0.85 | 0.98 | 0.41 |
| No of Public Share Holdings | 118735000 | ||
| % of Public Share Holdings | 1.75 | ||
| Diluted Eps After Extraordinary Items | 2.56 | 1.94 | 0.88 |
| Diluted Eps Before Extraordinary Items | 2.56 | 1.94 | 0.88 |
CONSOLIDATED PROFIT / LOSS FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| No of Months | 12 months | 12 months | 12 months | 12 months |
| Interest Earned | 6973.91 Cr | 7095.81 Cr | 7992.73 Cr | 9693.98 Cr |
| Interest / Discount on advances / Bills | 4865.45 Cr | 4778.41 Cr | 5502.44 Cr | 6951.24 Cr |
| Interest on balances with RBI and other Inter-bank funds | 114.06 Cr | 118.43 Cr | 30.71 Cr | 22.03 Cr |
| Income on investments | 1873.67 Cr | 2094.66 Cr | 2359.34 Cr | 2656.03 Cr |
| Others | 120.73 Cr | 104.31 Cr | 100.24 Cr | 64.68 Cr |
| Other Income | 902.8 Cr | 959.38 Cr | 939.96 Cr | 1221.47 Cr |
| Commission,exchange and brokerage | 92.47 Cr | 100.58 Cr | 113.91 Cr | 135.04 Cr |
| Profit / (loss)on sale of investments(net) | 415.1 Cr | 331.47 Cr | 101.22 Cr | 101.07 Cr |
| Profit on sale of Fixed Assets | -95,000 | -15.82 Lk | 2.15 Cr | 43.96 Lk |
| Foreign Exchange Gains | 27.47 Cr | 56.15 Cr | 36.21 Cr | 27.42 Cr |
| Total Income | 7876.72 Cr | 8055.19 Cr | 8932.69 Cr | 10915.4 Cr |
| Interest Expended | 4712 Cr | 4444.5 Cr | 5019.35 Cr | 6852.93 Cr |
| Intereston Deposits | 4452.65 Cr | 4207.7 Cr | 4717.84 Cr | 6311.87 Cr |
| Interest on RBI / inter-bank borrowings | 11.88 Cr | 2.49 Cr | 149.49 Cr | 291.69 Cr |
| Other Interest | 247.47 Cr | 234.3 Cr | 152.02 Cr | 249.38 Cr |
| Operating Expenses | 2393.5 Cr | 2280.6 Cr | 2463.4 Cr | 2931.57 Cr |
| Payments to and provisions for employees | 1688.07 Cr | 1453.39 Cr | 1544.42 Cr | 1944.2 Cr |
| Rent,Taxes and lighting | 139.69 Cr | 145.98 Cr | 136.73 Cr | 139.24 Cr |
| Depreciation on Banks property | 102.13 Cr | 137.09 Cr | 148.33 Cr | 150.08 Cr |
| Auditor's fees and expenses | 11.38 Cr | 8.59 Cr | 14.2 Cr | 14.54 Cr |
| Law charges | 13.78 Cr | 13.97 Cr | 13.68 Cr | 15.21 Cr |
| Communication Expenses | 7.7 Cr | 11.69 Cr | 60.34 Cr | 44.96 Cr |
| Repairs and Maintenance | 20.31 Cr | 25.62 Cr | 30.9 Cr | 30.4 Cr |
| Insurance | 108.79 Cr | 129.79 Cr | 137.07 Cr | 155.58 Cr |
| Provision for investments | 101.36 Cr | -51.86 Cr | 25.13 Cr | 352.86 Cr |
| Provision for advances | 2717.17 Cr | 940.49 Cr | -382.42 Cr | -211.85 Cr |
| Others Provisions | 1356.93 Cr | -745.22 Cr | 187.38 Cr | 52.95 Cr |
| Taxes | -671.34 Cr | 147.63 Cr | 306.82 Cr | 341.56 Cr |
| Current Income Tax | -105.63 Cr | -41,000 | -17.28 Cr | 117.54 Cr |
| Deferred Tax | -565.71 Cr | 147.63 Cr | 324.1 Cr | 224.02 Cr |
| Profit After Tax | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Consolidated Net Profit | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Adjustments to PAT | 0 | 3686.55 Cr | 0 | 0 |
| IV. APPROPRIATIONS | -3482.13 Cr | 1148.05 Cr | 1939.06 Cr | 1951.79 Cr |
| Transfer to Statutory Reserve | 0 | 260 Cr | 329 Cr | 149 Cr |
| Equity Dividend | 0 | 0 | 210.11 Cr | 0 |
| Equity Dividend % | 0 | 3.1 | 4.8 | 2 |
| Earnings Per Share | -6.74 | 1.53 | 1.94 | 0.88 |
| Adjusted EPS | -6.74 | 1.53 | 1.94 | 0.88 |
STANDALONE PROFIT / LOSS FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| No of Months | 12 months | 12 months | 12 months | 12 months |
| Interest Earned | 6973.91 Cr | 7095.81 Cr | 7992.73 Cr | 9693.98 Cr |
| Interest / Discount on advances / Bills | 4865.45 Cr | 4778.41 Cr | 5502.44 Cr | 6951.24 Cr |
| Interest on balances with RBI and other Inter-bank funds | 114.06 Cr | 118.43 Cr | 30.71 Cr | 22.03 Cr |
| Income on investments | 1873.67 Cr | 2094.66 Cr | 2359.34 Cr | 2656.03 Cr |
| Others | 120.73 Cr | 104.31 Cr | 100.24 Cr | 64.68 Cr |
| Other Income | 902.8 Cr | 959.38 Cr | 939.96 Cr | 1221.47 Cr |
| Commission,exchange and brokerage | 92.47 Cr | 100.58 Cr | 113.91 Cr | 135.04 Cr |
| Profit / (loss)on sale of investments(net) | 415.1 Cr | 331.47 Cr | 101.22 Cr | 101.07 Cr |
| Profit on sale of Fixed Assets | -95,000 | -15.82 Lk | 2.15 Cr | 43.96 Lk |
| Foreign Exchange Gains | 27.47 Cr | 56.15 Cr | 36.21 Cr | 27.42 Cr |
| Total Income | 7876.72 Cr | 8055.19 Cr | 8932.69 Cr | 10915.4 Cr |
| Interest Expended | 4712 Cr | 4444.5 Cr | 5019.35 Cr | 6852.93 Cr |
| Intereston Deposits | 4452.65 Cr | 4207.7 Cr | 4717.84 Cr | 6311.87 Cr |
| Interest on RBI / inter-bank borrowings | 11.88 Cr | 2.49 Cr | 149.49 Cr | 291.69 Cr |
| Other Interest | 247.47 Cr | 234.3 Cr | 152.02 Cr | 249.38 Cr |
| Operating Expenses | 2393.5 Cr | 2280.6 Cr | 2463.4 Cr | 2931.57 Cr |
| Payments to and provisions for employees | 1688.07 Cr | 1453.39 Cr | 1544.42 Cr | 1944.2 Cr |
| Rent,Taxes and lighting | 139.69 Cr | 145.98 Cr | 136.73 Cr | 139.24 Cr |
| Depreciation on Banks property | 102.13 Cr | 137.09 Cr | 148.33 Cr | 150.08 Cr |
| Auditor's fees and expenses | 11.38 Cr | 8.59 Cr | 14.2 Cr | 14.54 Cr |
| Law charges | 13.78 Cr | 13.97 Cr | 13.68 Cr | 15.21 Cr |
| Communication Expenses | 7.7 Cr | 11.69 Cr | 60.34 Cr | 44.96 Cr |
| Repairs and Maintenance | 20.31 Cr | 25.62 Cr | 30.9 Cr | 30.4 Cr |
| Insurance | 108.79 Cr | 129.79 Cr | 137.07 Cr | 155.58 Cr |
| Provision for investments | 101.36 Cr | -51.86 Cr | 25.13 Cr | 352.86 Cr |
| Provision for advances | 2717.17 Cr | 940.49 Cr | -382.42 Cr | -211.85 Cr |
| Others Provisions | 1356.93 Cr | -745.22 Cr | 187.38 Cr | 52.95 Cr |
| Taxes | -671.34 Cr | 147.63 Cr | 306.82 Cr | 341.56 Cr |
| Current Income Tax | -105.63 Cr | -41,000 | -17.28 Cr | 117.54 Cr |
| Deferred Tax | -565.71 Cr | 147.63 Cr | 324.1 Cr | 224.02 Cr |
| Profit After Tax | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Consolidated Net Profit | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Adjustments to PAT | 0 | 3686.55 Cr | 0 | 0 |
| IV. APPROPRIATIONS | -3482.13 Cr | 1148.05 Cr | 1939.06 Cr | 1951.79 Cr |
| Transfer to Statutory Reserve | 0 | 260 Cr | 329 Cr | 149 Cr |
| Equity Dividend | 0 | 0 | 210.11 Cr | 0 |
| Equity Dividend % | 0 | 3.1 | 4.8 | 2 |
| Earnings Per Share | -6.74 | 1.53 | 1.94 | 0.88 |
| Adjusted EPS | -6.74 | 1.53 | 1.94 | 0.88 |
CONSOLIDATED CASH FLOW FOR PUNJAB & SIND BANK
| Year End | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| No of Months | 12 months | 12 months | 12 months | 12 months |
| Net Profit Before Taxes | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Adjustments for Expenses & Provisions : | 3850.68 Cr | 659.68 Cr | 399.68 Cr | 791.25 Cr |
| Adjustments for Liabilities & Assets: | -6741.88 Cr | -8551.26 Cr | -134.96 Cr | 704.68 Cr |
| Refund/(payment) of direct taxes | -223.58 Cr | 853.95 Cr | -149.39 Cr | -342.47 Cr |
| Cash Flow from operating activities | -5847.68 Cr | -5998.57 Cr | 1428.36 Cr | 1748.88 Cr |
| Cash Flow from investing activities | -446.23 Cr | -120.79 Cr | -88.16 Cr | -228.63 Cr |
| Cash Flow from financing activities | 5055.1 Cr | 4068.14 Cr | -1331.71 Cr | -433.96 Cr |
| Net increase/(decrease) in cash and cash equivalents | -1238.81 Cr | -2051.22 Cr | 8.5 Cr | 1086.29 Cr |
| Opening Cash & Cash Equivalents | 9578.25 Cr | 8339.45 Cr | 6288.22 Cr | 6296.72 Cr |
| Closing Cash & Cash Equivalent | 8339.45 Cr | 6288.22 Cr | 6296.72 Cr | 7383.01 Cr |
STANDALONE CASH FLOW FOR PUNJAB & SIND BANK
| Year End | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| No of Months | 12 months | 12 months | 12 months | 12 months |
| Net Profit Before Taxes | -2732.9 Cr | 1039.05 Cr | 1313.03 Cr | 595.42 Cr |
| Adjustments for Expenses & Provisions : | 3850.68 Cr | 659.68 Cr | 399.68 Cr | 791.25 Cr |
| Adjustments for Liabilities & Assets: | -6741.88 Cr | -8551.26 Cr | -134.96 Cr | 704.68 Cr |
| Refund/(payment) of direct taxes | -223.58 Cr | 853.95 Cr | -149.39 Cr | -342.47 Cr |
| Cash Flow from operating activities | -5847.68 Cr | -5998.57 Cr | 1428.36 Cr | 1748.88 Cr |
| Cash Flow from investing activities | -446.23 Cr | -120.79 Cr | -88.16 Cr | -228.63 Cr |
| Cash Flow from financing activities | 5055.1 Cr | 4068.14 Cr | -1331.71 Cr | -433.96 Cr |
| Net increase/(decrease) in cash and cash equivalents | -1238.81 Cr | -2051.22 Cr | 8.5 Cr | 1086.29 Cr |
| Opening Cash & Cash Equivalents | 9578.25 Cr | 8339.45 Cr | 6288.22 Cr | 6296.72 Cr |
| Closing Cash & Cash Equivalent | 8339.45 Cr | 6288.22 Cr | 6296.72 Cr | 7383.01 Cr |
CONSOLIDATED BALANCE SHEET FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| Share Capital | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Equity - Authorised | 10000 Cr | 10000 Cr | 10000 Cr | 10000 Cr |
| Equity - Issued | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Equity Paid Up | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Face Value | 10 | 10 | 10 | 10 |
| Total Reserves | 4310.35 Cr | 7232.8 Cr | 8330.72 Cr | 8755.64 Cr |
| Securities Premium | 4835.11 Cr | 3131.98 Cr | 3131.98 Cr | 3131.98 Cr |
| Capital Reserves | 678.94 Cr | 745.92 Cr | 752.83 Cr | 775.15 Cr |
| Profit & Loss Account Balances | -3577.55 Cr | 626.03 Cr | 1356.37 Cr | 1394.56 Cr |
| General Reserves | 108.9 Cr | 108.9 Cr | 108.9 Cr | 108.9 Cr |
| Reserve excluding Revaluation Reserve | 3391.91 Cr | 6312.9 Cr | 7418.5 Cr | 7689.25 Cr |
| Revaluation Reserves | 918.44 Cr | 919.9 Cr | 912.22 Cr | 1066.39 Cr |
| Deposits | 96108.2 Cr | 102137 Cr | 109665 Cr | 119410 Cr |
| Demand Deposits | 4123.41 Cr | 4153.58 Cr | 4974.93 Cr | 5176.06 Cr |
| Savings Deposit | 27407 Cr | 30374.8 Cr | 31858.2 Cr | 33532.2 Cr |
| Term Deposits / Fixed Deposits | 64577.8 Cr | 67608.6 Cr | 72832.4 Cr | 80701.3 Cr |
| Borrowings | 2643.55 Cr | 2443.63 Cr | 9018.38 Cr | 9770.86 Cr |
| Borrowings From Reserve Bank of India | 0 | 0 | 0 | 600 Cr |
| Borrowings From Other Financial Institutions | 106.25 Cr | 206.33 Cr | 7781.08 Cr | 7933.56 Cr |
| Borrowings in the form of Bonds / Debentures | 2537.3 Cr | 2237.3 Cr | 1237.3 Cr | 1237.3 Cr |
| Other Liabilities & Provisions | 3367.14 Cr | 2476.31 Cr | 2662.14 Cr | 2942.69 Cr |
| Bills Payable | 217.96 Cr | 268.08 Cr | 330.37 Cr | 250.08 Cr |
| Inter-office adjustment Liabilities | 114.64 Cr | 140.16 Cr | 133.26 Cr | 45.76 Cr |
| Interest Accrued | 736.22 Cr | 687.66 Cr | 811.39 Cr | 1031.71 Cr |
| Total Liabilities | 110482 Cr | 121068 Cr | 136455 Cr | 147657 Cr |
| Cash and balance with Reserve Bank of India | 7208.52 Cr | 6139.24 Cr | 6225.4 Cr | 7312.46 Cr |
| Cash with RBI | 6961 Cr | 5859.34 Cr | 5901.88 Cr | 7050.19 Cr |
| Cash in hand & others | 247.52 Cr | 279.9 Cr | 323.52 Cr | 262.27 Cr |
| Balances with banks and money at call | 1130.93 Cr | 148.99 Cr | 71.32 Cr | 70.55 Cr |
| Investments | 32022.8 Cr | 42280.9 Cr | 44838.4 Cr | 49599.2 Cr |
| Investments in India | 32022.8 Cr | 42280.9 Cr | 44838.4 Cr | 49599.2 Cr |
| GOI/State Govt. Securities | 19324.6 Cr | 27072.7 Cr | 28851.5 Cr | 32119.8 Cr |
| Equity Shares - Corporate | 121.71 Cr | 153 Cr | 155.14 Cr | 160.96 Cr |
| Debentures & Bonds | 10562.4 Cr | 14700.4 Cr | 15423.6 Cr | 16334.2 Cr |
| Units - MF/ Insurance/CP/PTC | 2012.64 Cr | 354.75 Cr | 408.17 Cr | 984.23 Cr |
| Advances | 60941.7 Cr | 63626.6 Cr | 76819.4 Cr | 82736.4 Cr |
| Bills Purchased & Discounted | 430.71 Cr | 614.12 Cr | 976.67 Cr | 1036.3 Cr |
| Cash Credit, Over Draft & Loans repayable | 23704.5 Cr | 21919.9 Cr | 24261.8 Cr | 27112.3 Cr |
| Term Loans | 36806.5 Cr | 41092.6 Cr | 51581 Cr | 54587.8 Cr |
| Gross block | 2099.05 Cr | 2208.94 Cr | 2279.53 Cr | 2658.15 Cr |
| Premises | 1354.04 Cr | 1348.97 Cr | 1348.93 Cr | 1506.31 Cr |
| Other Fixed Assets | 745.01 Cr | 859.97 Cr | 930.6 Cr | 1151.84 Cr |
| Less: Accumulated Depreciation | 514.14 Cr | 631.5 Cr | 760.11 Cr | 902.37 Cr |
| Net Block | 1584.91 Cr | 1577.44 Cr | 1519.42 Cr | 1755.78 Cr |
| Other Assets | 7593.05 Cr | 7294.44 Cr | 6980.52 Cr | 6182.2 Cr |
| Interest Accrued Assets | 548.01 Cr | 621.8 Cr | 676.14 Cr | 799.79 Cr |
| Tax paid in advance/TDS | 391.85 Cr | 460.38 Cr | 541.51 Cr | 701.28 Cr |
| Stationery and stamps | 5.69 Cr | 4.71 Cr | 4.29 Cr | 5.15 Cr |
| Deferred tax asset | 2315.98 Cr | 2168.34 Cr | 1844.25 Cr | 1620.23 Cr |
| Total Assets | 110482 Cr | 121068 Cr | 136455 Cr | 147657 Cr |
| Contingent Liabilities | 6299.87 Cr | 9912.3 Cr | 7645.4 Cr | 6659.68 Cr |
| Claims not acknowledged as debts | 7.17 Cr | 6.78 Cr | 6.78 Cr | 6.78 Cr |
| Outstanding forward exchange contracts | 2574.77 Cr | 6068.23 Cr | 3422.37 Cr | 2140.28 Cr |
| Guarantees given in India | 2598.29 Cr | 2612.43 Cr | 2790.36 Cr | 2706.29 Cr |
| Acceptances, endorsements & other obligations | 132.87 Cr | 197.2 Cr | 178.12 Cr | 267.94 Cr |
| Bills for collection | 845.4 Cr | 899.88 Cr | 955.93 Cr | 969.44 Cr |
| Book Value | 18.37 | 19.31 | 20.95 | 0 |
| Adjusted Book Value | 18.37 | 19.31 | 20.95 | 21.34 |
STANDALONE BALANCE SHEET FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| Share Capital | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Equity - Authorised | 10000 Cr | 10000 Cr | 10000 Cr | 10000 Cr |
| Equity - Issued | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Equity Paid Up | 4052.67 Cr | 6777.79 Cr | 6777.79 Cr | 6777.79 Cr |
| Face Value | 10 | 10 | 10 | 10 |
| Total Reserves | 4310.35 Cr | 7232.8 Cr | 8330.72 Cr | 8755.64 Cr |
| Securities Premium | 4835.11 Cr | 3131.98 Cr | 3131.98 Cr | 3131.98 Cr |
| Capital Reserves | 678.94 Cr | 745.92 Cr | 752.83 Cr | 775.15 Cr |
| Profit & Loss Account Balances | -3577.55 Cr | 626.03 Cr | 1356.37 Cr | 1394.56 Cr |
| General Reserves | 108.9 Cr | 108.9 Cr | 108.9 Cr | 108.9 Cr |
| Reserve excluding Revaluation Reserve | 3391.91 Cr | 6312.9 Cr | 7418.5 Cr | 7689.25 Cr |
| Revaluation Reserves | 918.44 Cr | 919.9 Cr | 912.22 Cr | 1066.39 Cr |
| Deposits | 96108.2 Cr | 102137 Cr | 109665 Cr | 119410 Cr |
| Demand Deposits | 4123.41 Cr | 4153.58 Cr | 4974.93 Cr | 5176.06 Cr |
| Savings Deposit | 27407 Cr | 30374.8 Cr | 31858.2 Cr | 33532.2 Cr |
| Term Deposits / Fixed Deposits | 64577.8 Cr | 67608.6 Cr | 72832.4 Cr | 80701.3 Cr |
| Borrowings | 2643.55 Cr | 2443.63 Cr | 9018.38 Cr | 9770.86 Cr |
| Borrowings From Reserve Bank of India | 0 | 0 | 0 | 600 Cr |
| Borrowings From Other Financial Institutions | 106.25 Cr | 206.33 Cr | 7781.08 Cr | 7933.56 Cr |
| Borrowings in the form of Bonds / Debentures | 2537.3 Cr | 2237.3 Cr | 1237.3 Cr | 1237.3 Cr |
| Other Liabilities & Provisions | 3367.14 Cr | 2476.31 Cr | 2662.14 Cr | 2942.69 Cr |
| Bills Payable | 217.96 Cr | 268.08 Cr | 330.37 Cr | 250.08 Cr |
| Inter-office adjustment Liabilities | 114.64 Cr | 140.16 Cr | 133.26 Cr | 45.76 Cr |
| Interest Accrued | 736.22 Cr | 687.66 Cr | 811.39 Cr | 1031.71 Cr |
| Total Liabilities | 110482 Cr | 121068 Cr | 136455 Cr | 147657 Cr |
| Cash and balance with Reserve Bank of India | 7208.52 Cr | 6139.24 Cr | 6225.4 Cr | 7312.46 Cr |
| Cash with RBI | 6961 Cr | 5859.34 Cr | 5901.88 Cr | 7050.19 Cr |
| Cash in hand & others | 247.52 Cr | 279.9 Cr | 323.52 Cr | 262.27 Cr |
| Balances with banks and money at call | 1130.93 Cr | 148.99 Cr | 71.32 Cr | 70.55 Cr |
| Investments | 32022.8 Cr | 42280.9 Cr | 44838.4 Cr | 49599.2 Cr |
| Investments in India | 32022.8 Cr | 42280.9 Cr | 44838.4 Cr | 49599.2 Cr |
| GOI/State Govt. Securities | 19324.6 Cr | 27072.7 Cr | 28851.5 Cr | 32119.8 Cr |
| Equity Shares - Corporate | 121.71 Cr | 153 Cr | 155.14 Cr | 160.96 Cr |
| Debentures & Bonds | 10562.4 Cr | 14700.4 Cr | 15423.6 Cr | 16334.2 Cr |
| Units - MF/ Insurance/CP/PTC | 2012.64 Cr | 354.75 Cr | 408.17 Cr | 984.23 Cr |
| Advances | 60941.7 Cr | 63626.6 Cr | 76819.4 Cr | 82736.4 Cr |
| Bills Purchased & Discounted | 430.71 Cr | 614.12 Cr | 976.67 Cr | 1036.3 Cr |
| Cash Credit, Over Draft & Loans repayable | 23704.5 Cr | 21919.9 Cr | 24261.8 Cr | 27112.3 Cr |
| Term Loans | 36806.5 Cr | 41092.6 Cr | 51581 Cr | 54587.8 Cr |
| Gross block | 2099.05 Cr | 2208.94 Cr | 2279.53 Cr | 2658.15 Cr |
| Premises | 1354.04 Cr | 1348.97 Cr | 1348.93 Cr | 1506.31 Cr |
| Other Fixed Assets | 745.01 Cr | 859.97 Cr | 930.6 Cr | 1151.84 Cr |
| Less: Accumulated Depreciation | 514.14 Cr | 631.5 Cr | 760.11 Cr | 902.37 Cr |
| Net Block | 1584.91 Cr | 1577.44 Cr | 1519.42 Cr | 1755.78 Cr |
| Other Assets | 7593.05 Cr | 7294.44 Cr | 6980.52 Cr | 6182.2 Cr |
| Interest Accrued Assets | 548.01 Cr | 621.8 Cr | 676.14 Cr | 799.79 Cr |
| Tax paid in advance/TDS | 391.85 Cr | 460.38 Cr | 541.51 Cr | 701.28 Cr |
| Stationery and stamps | 5.69 Cr | 4.71 Cr | 4.29 Cr | 5.15 Cr |
| Deferred tax asset | 2315.98 Cr | 2168.34 Cr | 1844.25 Cr | 1620.23 Cr |
| Total Assets | 110482 Cr | 121068 Cr | 136455 Cr | 147657 Cr |
| Contingent Liabilities | 6299.87 Cr | 9912.3 Cr | 7645.4 Cr | 6659.68 Cr |
| Claims not acknowledged as debts | 7.17 Cr | 6.78 Cr | 6.78 Cr | 6.78 Cr |
| Outstanding forward exchange contracts | 2574.77 Cr | 6068.23 Cr | 3422.37 Cr | 2140.28 Cr |
| Guarantees given in India | 2598.29 Cr | 2612.43 Cr | 2790.36 Cr | 2706.29 Cr |
| Acceptances, endorsements & other obligations | 132.87 Cr | 197.2 Cr | 178.12 Cr | 267.94 Cr |
| Bills for collection | 845.4 Cr | 899.88 Cr | 955.93 Cr | 969.44 Cr |
| Book Value | 18.37 | 19.31 | 20.95 | 0 |
| Adjusted Book Value | 18.37 | 19.31 | 20.95 | 21.34 |
FINANCIAL RATIOS (CONSOLIDATED) FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| Operational & Financial Ratios | ||||
| Earnings Per Share (Rs) | -6.74 | 1.53 | 1.94 | 0.88 |
| DPS(Rs) | 0 | 0.31 | 0.48 | 0.2 |
| Book NAV/Share(Rs) | 18.37 | 19.31 | 20.95 | 21.34 |
| Margin Ratios | ||||
| Yield on Advances | 11.44 | 11.15 | 10.4 | 11.72 |
| Yield on Investments | ||||
| Cost of Liabilities | 4.77 | 4.25 | 4.23 | 5.3 |
| NIM | 2.23 | 2.36 | 2.32 | 2.03 |
| Interest Spread | 6.67 | 6.9 | 6.18 | 6.41 |
| Performance Ratios | ||||
| ROA(%) | -2.59 | 0.9 | 1.02 | 0.42 |
| ROE(%) | ||||
| ROCE(%) | -31.74 | 10.37 | 9.47 | 5.98 |
| Efficiency Ratios | ||||
| Cost Income Ratio | 75.63 | 63.16 | 62.95 | 72.16 |
| Core Cost Income Ratio | 87.05 | 68.28 | 62.72 | 72.36 |
| Operating Costs to Assets | 2.17 | 1.88 | 1.81 | 1.99 |
| Capital Adequacy | ||||
| Total CAR (Basel III) | 17.06 | 18.54 | 17.1 | 17.16 |
| Tier - 1 (Basel III) | 13.98 | 14.8 | 14.32 | 14.74 |
| Tier - 2 (Basel III) | 3.08 | 3.74 | 2.78 | 2.42 |
| Valuation Parameters | ||||
| PER(x) | 0 | 10.08 | 13.26 | 68 |
| PCE(x) | -2.71 | 8.9 | 11.91 | 54.31 |
| Price/Book(x) | 0.96 | 0.8 | 1.23 | 2.8 |
| Yield(%) | 0 | 2.01 | 1.87 | 0.33 |
| EV/Net Sales(x) | 1.4 | 1.82 | 3.31 | 5.18 |
| EV/Core EBITDA(x) | 12.68 | 9.71 | 18.22 | 44.44 |
| EV/EBIT(x) | 7.48 | 2.29 | 3.98 | 6.45 |
| EV/CE(x) | 0.09 | 0.11 | 0.19 | 2.07 |
| M Cap / Sales | 1.02 | 1.48 | 2.18 | 4.18 |
| Growth Ratio | ||||
| Core Operating Income Growth | 9.93 | 17.22 | 12.15 | -4.45 |
| Operating Profit Growth | ||||
| Net Profit Growth | -175.83 | 138.02 | 26.37 | -54.65 |
| BVPS Growth | -72.44 | 5.14 | 8.45 | 1.91 |
| Advances Growth | 4.33 | 4.41 | 20.73 | 7.7 |
| EPS Growth(%) | 52.29 | 122.73 | 26.37 | -54.65 |
| Liquidity Ratios | ||||
| Loans/Deposits(x) | ||||
| Total Debt/Equity(x) | 0.08 | 0.06 | 0.06 | 0.06 |
| Current Ratio(x) | 0.33 | 0.41 | 0.41 | 0.42 |
| Quick Ratio(x) | 2.75 | 2.39 | 8.22 | 8.18 |
| Interest Cover(x) | ||||
| Total Debt/Mcap(x) | 13.76 | 12.17 | 6.97 | 5.43 |
| Net NPA in Rs. Million | 4.04 | 2.74 | 1.84 | 1.63 |
FINANCIAL RATIOS (STANDALONE) FOR PUNJAB & SIND BANK
| YEAR | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|
| Operational & Financial Ratios | ||||
| Earnings Per Share (Rs) | -6.74 | 1.53 | 1.94 | 0.88 |
| DPS(Rs) | 0 | 0.31 | 0.48 | 0.2 |
| Book NAV/Share(Rs) | 18.37 | 19.31 | 20.95 | 21.34 |
| Margin Ratios | ||||
| Yield on Advances | 11.44 | 11.15 | 10.4 | 11.72 |
| Yield on Investments | ||||
| Cost of Liabilities | 4.77 | 4.25 | 4.23 | 5.3 |
| NIM | 2.23 | 2.36 | 2.32 | 2.03 |
| Interest Spread | 6.67 | 6.9 | 6.18 | 6.41 |
| Performance Ratios | ||||
| ROA(%) | -2.59 | 0.9 | 1.02 | 0.42 |
| ROE(%) | ||||
| ROCE(%) | -31.74 | 10.37 | 9.47 | 5.98 |
| Efficiency Ratios | ||||
| Cost Income Ratio | 75.63 | 63.16 | 62.95 | 72.16 |
| Core Cost Income Ratio | 87.05 | 68.28 | 62.72 | 72.36 |
| Operating Costs to Assets | 2.17 | 1.88 | 1.81 | 1.99 |
| Capital Adequacy | ||||
| Total CAR (Basel III) | 17.06 | 18.54 | 17.1 | 17.16 |
| Tier - 1 (Basel III) | 13.98 | 14.8 | 14.32 | 14.74 |
| Tier - 2 (Basel III) | 3.08 | 3.74 | 2.78 | 2.42 |
| Valuation Parameters | ||||
| PER(x) | 0 | 10.08 | 13.26 | 68 |
| PCE(x) | -2.71 | 8.9 | 11.91 | 54.31 |
| Price/Book(x) | 0.96 | 0.8 | 1.23 | 2.8 |
| Yield(%) | 0 | 2.01 | 1.87 | 0.33 |
| EV/Net Sales(x) | 1.4 | 1.82 | 3.31 | 5.18 |
| EV/Core EBITDA(x) | 12.68 | 9.71 | 18.22 | 44.44 |
| EV/EBIT(x) | 7.48 | 2.29 | 3.98 | 6.45 |
| EV/CE(x) | 0.09 | 0.11 | 0.19 | 2.07 |
| M Cap / Sales | 1.02 | 1.48 | 2.18 | 4.18 |
| Growth Ratio | ||||
| Core Operating Income Growth | 9.93 | 17.22 | 12.15 | -4.45 |
| Operating Profit Growth | ||||
| Net Profit Growth | -175.83 | 138.02 | 26.37 | -54.65 |
| BVPS Growth | -72.44 | 5.14 | 8.45 | 1.91 |
| Advances Growth | 4.33 | 4.41 | 20.73 | 7.7 |
| EPS Growth(%) | 52.29 | 122.73 | 26.37 | -54.65 |
| Liquidity Ratios | ||||
| Loans/Deposits(x) | ||||
| Total Debt/Equity(x) | 0.08 | 0.06 | 0.06 | 0.06 |
| Current Ratio(x) | 0.33 | 0.41 | 0.41 | 0.42 |
| Quick Ratio(x) | 2.75 | 2.39 | 8.22 | 8.18 |
| Interest Cover(x) | ||||
| Total Debt/Mcap(x) | 13.76 | 12.17 | 6.97 | 5.43 |
| Net NPA in Rs. Million | 4.04 | 2.74 | 1.84 | 1.63 |
SHARE HOLDING PATTERN FOR PUNJAB & SIND BANK
| Date | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoters % | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 | 98.25 |
| FII % | 0.00 | 0.01 | 0.00 | 0.01 | 0.00 | 0.03 | 0.01 | 0.02 | 0.00 | 0.00 |
| DII % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public % | 1.09 | 1.08 | 1.07 | 1.07 | 1.09 | 1.05 | 1.09 | 1.08 | 1.10 | 1.10 |
PEER COMPARISON FOR PUNJAB & SIND BANK
CORPORATE ACTIONS FOR PUNJAB &
| Exchange Date | Purpose | Book Closure Dates |
|---|---|---|
| BSE 14-Oct-2024 | Board Meeting - Quarterly Results | 19-Oct-2024 |
| BSE 22-Jul-2024 | Board Meeting - Quarterly Results | 26-Jul-2024 |
| BSE 19-Jul-2024 | Board Meeting - Quarterly Results | 26-Jul-2024 |
| BSE 10-May-2024 | Dividend - Rs.0.2000 per share(2%)Dividend | |
| BSE 02-May-2024 | Board Meeting - Dividend & Audited Results | 10-May-2024 |
| BSE 23-Feb-2024 | Board Meeting - Inter alia, for considering the following agenda item:- 1) To raise capital up to an amount and aggregating to Rs.2000 crore in any combinations(s) thereof and in one or more tranches within a period of 12 months from the date of approval by way of issue of: a) Equity shares through Public Issue (Follow on Public Offer) / Rights Issue / Qualified Institutional Placement(s) / Preferential Issue or ... | 28-Feb-2024 |
| BSE 24-Jan-2024 | Board Meeting - Quarterly Results | 31-Jan-2024 |
| BSE 27-Oct-2023 | Board Meeting - Quarterly Results | 03-Nov-2023 |
| BSE 27-Jul-2023 | Board Meeting - Quarterly Results | 05-Aug-2023 |
| BSE 08-Jun-2023 | Book Closure - Rs.0.4800 per share(4.8%)Final Dividend & A.G.M. | 05-Jul-2023 11-Jul-2023 |
| BSE 08-Jun-2023 | AGM - Rs.0.4800 per share(4.8%)Final Dividend & A.G.M. | 11-Jul-2023 11-Jul-2023 |
| BSE 07-Jun-2023 | Board Meeting - Inter alia, to consider and approve the proposal for raising of capital through issuance of Basel-111 compliant Additional Tier-1 Bonds or Tier-IT Bonds up to an amount of Rs.750 crore, in one or more tranches within a period of 12 months from the date of approval | 12-Jun-2023 |
| BSE 02-May-2023 | Dividend - Rs.0.4800 per share(4.8%)Final Dividend | |
| BSE 26-Apr-2023 | Board Meeting - Final Dividend & Audited Results | 02-May-2023 |
| BSE 16-Jan-2023 | Board Meeting - Quarterly Results | 21-Jan-2023 |
| BSE 27-Dec-2022 | Board Meeting - Inter alia, for considering the following agenda item: 1) To raise capital up to an amount and aggregating to Rs.250 crore in any combinations(s) thereof and in one or more tranches within a period of 12 months from the date of approval by way of issue of: a) Equity shares through Public Issue (Follow on Public Offer) / Rights Issue / Qualified Institutional Placement(s) / Preferential Issue or an... | 30-Dec-2022 |
| BSE 31-Oct-2022 | Board Meeting - Quarterly Results | 05-Nov-2022 |
| BSE 25-Jul-2022 | Board Meeting - Quarterly Results | 01-Aug-2022 |
| BSE 10-Jun-2022 | Book Closure - A.G.M. & Rs.0.3100 per share(3.1%)Dividend | 06-Jul-2022 12-Jul-2022 |
| BSE 10-Jun-2022 | AGM - A.G.M. & Rs.0.3100 per share(3.1%)Dividend | 12-Jul-2022 12-Jul-2022 |
| BSE 19-May-2022 | Dividend - Rs.0.3100 per share(3.1%)Dividend | |
| BSE 13-May-2022 | Board Meeting - Audited Results | 19-May-2022 |
| BSE 24-Mar-2022 | Board Meeting - Inter alia, to consider and approve the exercise of the Call Option on the Additional Tier I - Bond Series I issued by the Bank. | 29-Mar-2022 |
| BSE 14-Feb-2022 | Board Meeting - Preferential Issue of shares Inter alia, for considering the following agenda item : 1. To offer, issue, create and allot Equity Shares up to Rs.4600 crore (including share premium) to the Government of India by way of preferential issue of equity shares. You are requested to take a note of the above, pursuant to Regulation 29(1) (d) of SEBI (Listing Obligations and Disclosure Requirements) Regula... | 17-Feb-2022 |
| BSE 01-Feb-2022 | Board Meeting - Quarterly Results | 07-Feb-2022 |
| BSE 26-Oct-2021 | Board Meeting - Quarterly Results | 01-Nov-2021 |
CORPORATE ANNOUNCEMENTS FOR PUNJAB &
| Exchange Date | Category File | Description |
|---|---|---|
| BSE 29-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s Appointment of Statutory Central Auditors of the Bank for FY 24-25 |
| BSE 28-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome With reference to above and pursuant to the applicable provisions of SEBI (LODR) Regulations 2015 we enclose the transcript of post results Earnings conference call for the Quarter / Half Year ended September 30 2024 held on October 21 2024. The transcript of the Earnings conference call is uploaded on Banks website and the same can be accessed through below link:https://punjabandsindbank.co.in/system/uploads/document/7803_2024102819165048937.pdf |
| BSE 23-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Credit Rating Credit Ratings by India Ratings |
| BSE 21-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome Analyst Meet Recording |
| BSE 21-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Newspaper Publication Newspaper Publication |
| BSE 19-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Press Release / Media Release Press Release |
| BSE 19-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Investor Presentation Investor Presentation |
| BSE 19-Oct-2024 | Outcome FILE | Outcome Of Board Meeting Outcome of Board Meeting |
| BSE 16-Oct-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation Further to our intimation dated October 15 2024 it is now informed that the Bank will host a Conference Call/ Earnings Call with Analysts / Investors to discuss the financial performance of the Bank for the Quarter / Half Year ended 30th September 2024 on the 21st October 2024. The details are as per attached invite. |
| BSE 14-Oct-2024 | Intimation FILE | Board Meeting Intimation for Board Meeting To Consider And Approve Unaudited Reviewed Financial Results For The Quarter / Half Year Ended September 30 2024 PUNJAB & SIND BANKhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 19/10/2024 inter alia to consider and approve Pursuant to Regulation 29(1) (a) and 50 (1) (c) of SEBI (Listing Obligations and Disclosures Requirements) Regulations 2015 notice is hereby given that a meeting of Board of Directors of Punjab & Sind Bank is scheduled to be held on October 19 2024 at New Delhi inter alia to consider and approve Unaudited Reviewed Financial Results of the Bank for the Quarter / Half Year ended September 30 2024.Further this is to inform that in terms of Punjab & Sind Bank Code of Conduct to Regulate Monitor and Reporting Trading by Insiders the Trading Window which was closed from the end of the quarter ended September 30 2024 i.e. from October 01 2024 shall remain closed for all designated/connected persons till October 21 2024. We request you to take a note of the above. |
| BSE 30-Sep-2024 | Intimation FILE | Closure of Trading Window Closure of trading window |
| BSE 20-Sep-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Credit Rating CRISIL Ratings |
| BSE 07-Sep-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Credit Rating CARE Ratings |
| BSE 12-Aug-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Change in Management Allocation of duties / Responsibility |
| BSE 12-Aug-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Credit Rating CRISIL Ratings re-affirmed |
| BSE 09-Aug-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Change in Directorate Appointment of Executive Director |
| BSE 04-Aug-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome Transcript of Analyst Meet |
| BSE 29-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome Analyst Meet Recording |
| BSE 29-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Newspaper Publication Newspaper Publication |
| BSE 26-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Press Release / Media Release Q1 FY 24-25 Financial Results |
| BSE 26-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Investor Presentation Investor Presentation |
| BSE 26-Jul-2024 | Outcome FILE | Outcome Of Board Meeting Outcome of Board Meeting |
| BSE 26-Jul-2024 | Outcome FILE | Board Meeting Outcome for Outcome Of Board Meeting Outcome of Board Meeting |
| BSE 24-Jul-2024 | Outcome FILE | Shareholder Meeting / Postal Ballot-Outcome of AGM Proceedings Scrutiniser Report and Voting Results of AGM |
| BSE 24-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation Schedule of Earnings Call with Analysts & Investors on the Unaudited Reviewed Financial Results for the Quarter (Q1) ended June 30 2024 |
| BSE 22-Jul-2024 | Intimation FILE | Update on board meeting PUNJAB & SIND BANKhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 26/07/2024 inter alia to consider and approve Update on board meeting |
| BSE 19-Jul-2024 | Intimation FILE | Board Meeting Intimation for Board Meeting To Consider And Approve Unaudited Reviewed Financial Results For The Quarter Ended June 30 2024 PUNJAB & SIND BANKhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 26/07/2024 inter alia to consider and approve Pursuant to Regulation 29(1) (a) and 50 (1) (c) of SEBI (Listing Obligations and Disclosures Requirements) Regulations 2015 notice is hereby given that a meeting of Board of Directors of Punjab & Sind Bank is scheduled to be held on July 26 2024 at New Delhi inter alia to consider and approve Unaudited Reviewed Financial Results of the Bank for the Quarter ended June 30 2024.Further this is to inform that in terms of Punjab & Sind Bank Code of Conduct to Regulate Monitor and Reporting Trading by Insiders the Trading Window which was closed from the end of the quarter ended June 30 2024 i.e. from July 01 2024 shall remain closed for all designated/connected persons till July 28 2024. |
| BSE 03-Jul-2024 | General Announcements FILE | Announcement under Regulation 30 (LODR)-Newspaper Publication Newspaper Publication in connection with 14th AGM |
| BSE 02-Jul-2024 | General Announcements FILE | Reg. 34 (1) Annual Report. Annual Report for 2023-24 |
| BSE 02-Jul-2024 | General Announcements FILE | Notice Of 14Th Annual General Meeting Notice of 14th Annual General Meeting |
INSIDER TRADING FOR PUNJAB &
| Exchange Dates | Activity | Qty & Price (%) | Person / Organisation |
|---|---|---|---|
| No Insider trading details found | |||
BULK BLOCK DEALS FOR PUNJAB & SIND BANK
| Exchange Dates | Activity | Qty & Price (%) | Person / Organisation |
|---|---|---|---|
| No Bulk Block details found | |||
DIVIDEND BY PUNJAB & SIND BANK
| Ex Dividend Date | Dividend Type | Dividend |
|---|---|---|
| 16-Jul-2024 | DIVIDEND | 0.2 |
| 04-Jul-2023 | DIVIDEND | 0.48 |
| 04-Jul-2022 | DIVIDEND | 0.31 |
SPLIT / BONUS BY PUNJAB & SIND BANK
No Split / Bonus details found
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