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PSB

Punjab & Sind Bank

Industry Group: Banks
22.86-0.1 (-0.52%)
8 Sep, 12:00 AM

Income Statement

Abridged
Understanding Income Statement
Punjab & Sind Bank income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.
2012
Mar 31
C
2013
Mar 31
2014
Mar 31
2015
Mar 31
2016
Mar 31
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
C
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
TTM
Jun 30
Period length:
Source:
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
IR
Net Interest & Dividend Income
1,5011,6411,6211,6792,1762,1592,2352,2802,0582,2622,6512,9732,8413,7843,8113,950
Non-Interest Revenue
196176235244259384369473517536427136174530473-
Total Revenue
1,6971,8171,8551,9242,4342,5442,6042,7532,5742,7983,0793,1093,0154,3144,2853,950
Total Operating Expenses
1,0831,3311,6091,7761,9362,2933,1993,6214,0976,2021,8921,4922,0782,9762,5323,710
Operating Profit
614487246148498251-595-869-1,523-3,4041,1871,6189371,3381,752239
Operating Margin
36.226.813.37.720.59.9-22.8-31.6-59.2-121.738.652.031.131.040.96.1
Profit before Taxes
614487246148498250-595-859-1,522-3,4041,1871,6209371,3381,7521,881
Income Taxes
163147-552616249149-315-532-671148307342322430497
Profit after Tax
451339301121336201-744-543-991-2,7331,0391,3135951,0161,3221,384
PAT Margin
26.618.716.26.313.87.9-28.6-19.7-38.5-97.733.742.219.723.530.935.0
EPS - Basic - ex Extraordinary Items
19.2313.4910.693.598.395.02-18.49-9.62-15.75-35.712.561.940.881.501.861.95
EPS - Diluted - ex Extraordinary Items
19.2313.4910.693.598.395.02-18.49-9.62-15.75-35.712.561.940.881.501.861.95
EBIT
614487246148498251-595-869-1,523-3,4041,1871,6189371,3381,752239
EBITDA
658513283194544293-531-869-1,469-3,3021,3241,7661,0871,4831,929239
EBITDA Margin
38.828.215.210.122.311.5-20.4-31.6-57.1-118.043.056.836.034.445.06.1

Balance Sheet

Abridged
Understanding Balance Sheet
Punjab & Sind Bank balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.
2012
Mar 31
2013
Mar 31
2014
Mar 31
2015
Mar 31
2016
Mar 31
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Source:
IR
AR
AR
AR
AR
AR
AR
AR
AR
AR
AR
AR
AR
AR
AR
Cash & ST Balance with Banks
-4,0795,8904,0704,1034,5906,4395,0399,5787,5396,2886,2977,3838,8206,299
Lending & LT Balance with Banks
-47435150800-6941,579-800-----
Property Plant & Equipment - Net
-8441,0039951,1331,0951,0831,2301,2411,5851,5771,5191,7561,7791,862
Total Assets
72,90580,47894,50997,7531,02,58196,6431,13,7591,08,9821,00,5041,10,4821,21,0681,36,4551,47,6571,61,8151,79,270
Deposits - Total
68,65670,64284,73086,71591,25085,5401,01,72698,55889,66896,1081,02,1371,09,6651,19,4101,29,7741,45,829
Long Term Debt
-2,5402,3053,0482,8392,9583,6832,7143,2132,6441,3612,0582,4346,9116,612
Total Liabilities
68,65675,87489,49892,15796,61190,5011,07,5771,03,28194,9071,02,1191,07,0571,21,3461,32,1231,48,4601,65,138
Total Shareholders' Equity
-4,6045,0115,5965,9706,1426,1835,7015,5968,36314,01115,10915,53313,35514,132
Total Equity
-4,6045,0115,5965,9706,1426,1835,7015,5968,36314,01115,10915,53313,35514,132
Total Liabilities & Equity
-80,47894,50997,7531,02,58196,6431,13,7591,08,9821,00,5041,10,4821,21,0681,36,4551,47,6571,61,8151,79,270

Cash Flow

Abridged
Understanding Cash Flow Statement
Punjab & Sind Bank cash flow statement covering operating, investing and financing activities across annual and quarterly periods.
2012
Mar 31
C
2013
Mar 31
2014
Mar 31
2015
Mar 31
2016
Mar 31
C
2017
Mar 31
2018
Mar 31
2019
Mar 31
2020
Mar 31
2021
Mar 31
2022
Mar 31
2023
Mar 31
2024
Mar 31
2025
Mar 31
2026
Mar 31
Period length:
Source:
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
12M
AR
Operating CF bef Changes in Working Cap
-2,796-4,626-10,704-6,3104736,145-8,966-3,4719,190-4,668-1,388-11,429-4,841-16,539-16,563
Working Capital - Increase/(Decrease)
1,7355,27313,2343,036536-6,54410,0513,987-7,551-1,055-4,9425,1665,73112,61612,209
Net CF from Operating Activities
-1,0606472,531-3,2741,010-3991,0865161,639-5,723-6,330-6,263890-3,923-4,354
Capital Expenditures - Net
36815884383351616344612188229168241
Net CF from Investing Activities
-36-81-58-84-38-33-51-61-63-446-121-88-229-168-241
Dividends Paid - Cash - Total
6685792466------21032513650
Stock - Issuance/(Retirement) - Net
95140100180--785-8875,5004,600-5-31,219-
Debt - LT & ST - Issuance/(Retirement) - Total
496-842-2351,103-209119725-969499-570-2006,5757524,4592,123
Net Cash Flow from Financing Activities
515-801-2271,253-2891191,509-9691,3854,9304,4006,3604255,5282,074
Free Cash Flow to Equity
-600-2772,238-2,255763-3131,759-5142,074-6,738-6,6512241,414368-2,472
Free Operating CF net dividend
-1,1624802,394-3,382906-4321,0344451,574-6,169-6,451-6,563336-4,226-4,644
Free Operating CF
-1,0965652,473-3,358972-4321,0344451,574-6,169-6,451-6,353661-4,091-4,595

Business Segment Analysis

FY End:
Mar 26

Punjab & Sind Bank business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales
Total₹ 13,759Cr
Retail Banking (43.3%)₹ 5,952.11 CrCorporate/Wholesale Banking (30.3%)₹ 4,171.06 CrTreasury (26.2%)₹ 3,599.78 CrOther banking operations (0.3%)₹ 36.35 Cr
Assets
Total₹ 1,79,270Cr
Retail Banking (41.5%)₹ 74,411.51 CrCorporate/Wholesale Banking (29.1%)₹ 52,145.37 CrTreasury (28.0%)₹ 50,195.52 CrUnallocated (1.4%)₹ 2,517.91 Cr
Operating Income
Total₹ 3,396Cr
Retail Banking (33.9%)₹ 1,151.55 CrCorporate/Wholesale Banking (23.8%)₹ 806.97 CrTreasury (23.4%)₹ 794.11 CrUnallocated (17.9%)₹ -607.24 CrOther banking operations (1.1%)₹ 36.35 Cr

Regional Segment Analysis

FY End:
Mar 26

Punjab & Sind Bank geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales
Total₹ 4,285Cr
India (100.0%)₹ 4,284.84 Cr
Assets
Total₹ 1,79,270Cr
India (100.0%)₹ 1,79,270.31 Cr

Historical Segment Analysis

Track how Punjab & Sind Bank segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Business
We don't have enough data to show the Capex for Punjab & Sind Bank.

Frequently Asked Questions

What is the revenue of Punjab & Sind Bank?
The latest trailing twelve month revenue of Punjab & Sind Bank is ₹ 3,949.70 Cr, reflecting a 1-year growth of 3.02% and a 3-year CAGR of 9.58%. Annual and quarterly revenue trends are available in the Income Statement section.
What is the net profit of Punjab & Sind Bank?
The latest trailing twelve month net profit (PAT) of Punjab & Sind Bank is ₹ 1,384.28 Cr, with a 3-year earnings CAGR of 1.47%. Detailed profit history across annual and quarterly periods is in the Income Statement section.
What is the EBITDA of Punjab & Sind Bank?
The trailing twelve month EBITDA of Punjab & Sind Bank is approximately ₹ 239.39 Cr (based on an operating margin of 6.06%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.
What is the EPS of Punjab & Sind Bank?
The trailing twelve month Earnings Per Share (EPS) of Punjab & Sind Bank is 1.95. EPS trends across annual and quarterly periods are visible in the Income Statement section.
What is the debt level of Punjab & Sind Bank?
The debt-to-equity ratio of Punjab & Sind Bank stands at 1.15. The full breakdown of total borrowings is in the Balance Sheet section.
What is the book value per share of Punjab & Sind Bank?
The estimated book value per share of Punjab & Sind Bank is 20.62 (derived from a P/B ratio of 1.11 and market price of ₹ 22.86), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.
What is the cash flow from operations of Punjab & Sind Bank?
The trailing twelve month operating cash flow of Punjab & Sind Bank is ₹ -4,353.67 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.
Does Punjab & Sind Bank report consolidated or standalone financials?
Punjab & Sind Bank reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.