Financials of Punjab & Sind Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Punjab & Sind Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,1052,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,0423,030
Interest1,4211,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,055
Expenses +6386826489208758319249021,3561,0469671,037787
Financing Profit465627-181-18619-5236-234-146-17-51188
Financing Margin %2%2%1%-7%-8%1%-2%1%-7%-5%-1%-2%6%
Other Income +547179268362413194359338677469374507427
Depreciation0000000000000
Profit before tax593234295181227213307375442323357456615
Tax %23%35%36%37%39%15%22%25%29%17%18%26%31%
Net Profit +457153189114139182240282313269295336422
EPS in Rs0.670.230.280.170.210.270.350.420.440.380.420.470.59
Gross NPA %6.97%6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%2.40%
Net NPA %1.84%1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%0.79%

Financials of Punjab & Sind Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +8,5898,7448,1737,9498,5597,9306,9747,0967,9939,69411,48111,982
Interest6,9096,5696,0145,7146,2795,8724,7124,4445,0196,8537,6988,170
Expenses +1,9152,1102,5363,3473,9814,4236,4682,2872,1452,9753,8693,837
Financing Profit-23566-377-1,112-1,702-2,366-4,206364828-134-85-25
Financing Margin %-3%1%-5%-14%-20%-30%-60%5%10%-1%-1%-0%
Other Income +4294785785818288979049599401,2211,5681,778
Depreciation4646064-15541021371481501450
Profit before tax147498201-595-859-1,522-3,4041,1871,6209371,3381,752
Tax %18%33%0%25%-37%-35%-20%12%19%36%24%25%
Net Profit +121336201-744-543-991-2,7331,0391,3135951,0161,322
EPS in Rs3.038.395.02-13.17-9.62-14.13-6.741.531.940.881.431.86
Dividend Payout %20%20%0%0%0%0%0%20%25%23%5%21%

Financials of Punjab & Sind Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4004004005655657014,0536,7786,7786,7787,0967,096
Reserves5,1965,5705,7425,6185,1364,8954,3107,2338,3318,7566,2597,037
Deposits88,04091,25085,540101,72698,55889,66896,108102,137109,665119,410129,774145,829
Borrowing1,7232,8392,9583,6832,7143,2132,6442,4449,0189,77114,23016,352
Other Liabilities +2,3942,5222,0022,1672,0092,0273,3672,4762,6622,9434,4572,957
Total Liabilities97,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815179,270
Fixed Assets +9951,1331,0951,0831,2301,2411,5851,5771,5191,7561,7791,862
CWIP000000000000
Investments24,00727,64527,94832,98226,17324,55232,02342,28144,83849,59946,91249,388
Other Assets +72,75273,80367,60079,69581,57974,71176,87477,20990,09796,302113,124128,020
Total Assets97,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815179,270

Financials of Punjab & Sind Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,982930-4951,063-972,210-5,848-5,9991,4281,746-2,294-1,893
Cash from Investing Activity +-84-38-33-51-61-63-446-121-88-229-168-241
Cash from Financing Activity +-39-2092161,531-3568145,0554,068-1,332-4313,898-387
Net Cash Flow-2,105683-3132,543-5142,960-1,239-2,05181,0861,437-2,521
Free Cash Flow-2,066892-5291,012-1582,147-6,294-6,1191,3401,518-2,461-2,134
CFO/OP-30%14%-9%28%3%73%-1,111%-142%27%31%-39%-20%

Financials of Punjab & Sind Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2%6%3%-12%-9%-18%-39%9%9%4%7%10%