Punjab & Sind Bank

BSE: 533295 | NSE: PSB

Quarterly Results (Figures in Rs. Crores)

ParametersJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Revenue1,8001,9802,1072,1052,3162,4062,4912,4812,6522,7392,9313,1592,911
Interest1,0911,2051,3021,4211,5781,7311,7521,7921,8021,8661,9922,0372,010
Expenses5427233916386826489208758319249021,3561,046
Financing Profit16752414465627-181-18619-5236-234-146
Financing Margin %9%3%20%2%2%1%-7%-8%1%-2%1%-7%-5%
Other Income115140138547179268362413194359338677469
Depreciation0000000000000
Profit before tax282193552593234295181227213307375442323
Tax %27%-44%32%23%35%36%37%39%15%22%25%29%17%
Net Profit205278373457153189114139182240282313269
EPS in Rs0.300.410.550.670.230.280.170.210.270.350.420.440.38
Gross NPA %11.34%9.67%8.36%6.97%6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%
Net NPA %2.56%2.24%2.02%1.84%1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%

Profit & Loss (Figures in Rs. Crores)

ParametersMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7,9738,5898,7448,1737,9498,5597,9306,9747,0967,9939,69411,48111,740
Interest6,3526,9096,5696,0145,7146,2795,8724,7124,4445,0196,8537,6987,906
Expenses1,7421,9152,1102,5363,3473,9814,4236,4682,2872,1452,9753,8694,229
Financing Profit-121-23566-377-1,112-1,702-2,366-4,206364828-134-85-395
Financing Margin %-2%-3%1%-5%-14%-20%-30%-60%5%10%-1%-1%-3%
Other Income4274294785785818288979049599401,2211,5681,843
Depreciation604646064-15541021371481501450
Profit before tax246147498201-595-859-1,522-3,4041,1871,6209371,3381,447
Tax %-22%18%33%0%25%-37%-35%-20%12%19%36%24%
Net Profit301121336201-744-543-991-2,7331,0391,3135951,0161,103
EPS in Rs10.923.038.395.02-13.17-9.62-14.13-6.741.531.940.881.431.59
Dividend Payout %20%20%20%0%0%0%0%0%20%25%23%5%

Balance Sheet (Figures in Rs. Crores)

ParametersMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital2754004004005655657014,0536,7786,7786,7787,096
Reserves4,5365,1965,5705,7425,6185,1364,8954,3107,2338,3318,7566,259
Deposits86,25588,04091,25085,540101,72698,55889,66896,108102,137109,665119,410129,774
Borrowing9801,7232,8392,9583,6832,7143,2132,6442,4449,0189,77114,230
Other Liabilities2,4632,3942,5222,0022,1672,0092,0273,3672,4762,6622,9434,457
Total Liabilities94,50997,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815
Fixed Assets1,0039951,1331,0951,0831,2301,2411,5851,5771,5191,7561,779
CWIP000000000000
Investments28,29424,00727,64527,94832,98226,17324,55232,02342,28144,83849,59946,912
Other Assets65,21272,75273,80367,60079,69581,57974,71176,87477,20990,09796,302113,124
Total Assets94,50997,753102,58196,643113,759108,982100,504110,482121,068136,455147,657161,815

Shareholding Pattern

ParametersSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%98.25%93.85%93.85%
FIIs0.01%0.00%0.01%0.00%0.03%0.01%0.02%0.00%0.00%0.00%0.73%0.25%
DIIs0.66%0.67%0.67%0.66%0.68%0.65%0.65%0.65%0.65%0.65%4.32%4.08%
Public1.07%1.08%1.07%1.10%1.05%1.09%1.09%1.11%1.11%1.10%1.11%1.82%
No. of Shareholders1,30,5061,46,8431,46,9681,45,3851,55,1151,56,1091,84,6791,91,4451,99,3511,99,1331,99,8212,22,234