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HALF YEARLY RESULTS

You can view the half yearly results for the last 5 years.
Punjab & Sind Bank
( in Crs.)

ParticularsSep 23Mar 23Sep 22Mar 22Sep 21
Interest Earned     
Int. /Disc. on Adv/Bills3398.932925.292577.152460.282318.13
Income on Investment1279.081212.461146.881089.971004.69
Int. on balances With RBI9.9114.1516.5669.5948.84
Others33.7660.4839.7644.6359.68
Total Interest Earned4721.684212.383780.353664.473431.34
Other Income446.84684.67255.29385.46417.98
Total Income5168.524897.054035.644049.933849.32
      
EXPENDITURE     
Interest Expended3309.242723.602295.752209.292235.21
Employee Cost883.59837.69683.06749.25704.13
Other Expenses458.09455.42487.23441.53385.69
Total Expenses4650.924016.713466.043400.073325.03
      
Operating Profit Before Provisions And Contingencies517.60880.34569.60649.86524.29
Provisions And Contingencies-11.89-264.5894.68-105.2192.67
P/L Before Tax529.491144.92474.92755.07431.62
Tax187.73314.69-7.88108.1539.49
P/L After Tax from Ordinary Activities341.76830.23482.80646.92392.13
Net Profit/Loss For the Period341.76830.23482.80646.92392.13
      
Equity Share Capital6777.796777.796777.796777.794052.67
Reserves Excluding Revaluation Reserves0.007418.500.000.000.00
      
ANALYTICAL RATIOS     
(%) of Share by Govt.98.2598.2598.2598.2597.07
EPS Before Extra Ordinary *     
Basic EPS (Rs.)0.501.220.710.950.97
Diluted EPS (Rs.)0.501.220.710.950.97
EPS After Extra Ordinary *     
Basic EPS (Rs.) 0.501.220.710.950.97
Diluted EPS (Rs.) 0.500.000.710.000.97
      
NPA Ratios:     
Gross NPA5106.415648.217128.458564.829822.80
Net NPA1473.261411.501528.491742.272287.77
(%) of Gross NPA6.236.979.6712.1714.54
(%) of Net NPA1.881.842.242.743.81
Return on Assets %0.481.330.741.100.65
      
OPBPC Margin (%)10.9620.8915.0617.7315.27
PBT Margin (%)11.2127.1712.5620.6012.57
PAT Margin (%)7.2319.7012.7717.6511.42
ParticularsSep 23
Interest Earned 
Int. /Disc. on Adv/Bills3398.93
Income on Investment1279.08
Int. on balances With RBI9.91
Others33.76
Total Interest Earned4721.68
Other Income446.84
Total Income5168.52
  
EXPENDITURE 
Interest Expended3309.24
Employee Cost883.59
Other Expenses458.09
Total Expenses4650.92
Operating Profit Before Provisions And Contingencies517.60
Provisions And Contingencies-11.89
P/L Before Tax529.49
Tax187.73
P/L After Tax from Ordinary Activities341.76
Net Profit/Loss For the Period341.76
Equity Share Capital6777.79
Reserves Excluding Revaluation Reserves0.00
ANALYTICAL RATIOS 
(%) of Share by Govt.98.25
EPS Before Extra Ordinary * 
Basic EPS (Rs.)0.50
Diluted EPS (Rs.)0.50
EPS After Extra Ordinary * 
Basic EPS (Rs.) 0.50
Diluted EPS (Rs.) 0.50
NPA Ratios: 
Gross NPA5106.41
Net NPA1473.26
(%) of Gross NPA6.23
(%) of Net NPA1.88
Return on Assets %0.48
OPBPC Margin (%)10.96
PBT Margin (%)11.21
PAT Margin (%)7.23