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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 25Mar 25Sep 24Mar 24Sep 23
Interest Earned     
Int. /Disc. on Adv/Bills4204.394434.893722.853552.313398.93
Income on Investment1653.891613.061611.851376.951279.08
Int. on balances With RBI8.1410.786.2512.129.91
Others43.1131.3550.27430.4333.76
Total Interest Earned5909.536090.085391.225371.814721.68
Other Income843.141014.99552.66375.12446.84
Total Income6752.677105.075943.885746.935168.52
      
EXPENDITURE     
Interest Expended4059.094029.303668.343543.703309.24
Employee Cost1013.201134.95953.541060.61883.59
Other Expenses635.22640.45547.45529.28458.09
Total Expenses5707.515804.705169.335133.594650.92
      
Operating Profit Before Provisions And Contingencies1045.161300.37774.55613.34517.60
Provisions And Contingencies364.75483.35254.02205.85-11.89
P/L Before Tax680.41817.02520.53407.49529.49
Tax116.73222.2899.44153.83187.73
P/L After Tax from Ordinary Activities563.68594.74421.09253.66341.76
Net Profit/Loss For the Period563.68594.74421.09253.66341.76
      
Equity Share Capital7095.597095.596777.796777.796777.79
Reserves Excluding Revaluation Reserves0.005196.470.007689.250.00
      
ANALYTICAL RATIOS     
(%) of Share by Govt.93.8593.8598.2598.2598.25
EPS Before Extra Ordinary *     
Basic EPS (Rs.)0.790.830.620.370.50
Diluted EPS (Rs.)0.790.840.620.370.50
EPS After Extra Ordinary *     
Basic EPS (Rs.) 0.790.830.620.370.50
Diluted EPS (Rs.) 0.790.000.620.000.50
      
NPA Ratios:     
Gross NPA3081.893370.063835.424665.355106.41
Net NPA854.13937.071293.941350.461473.26
(%) of Gross NPA2.923.384.215.436.23
(%) of Net NPA0.830.961.461.631.88
Return on Assets %0.700.790.570.380.48
      
OPBPC Margin (%)17.6821.3514.3611.4110.96
PBT Margin (%)11.5113.419.657.5811.21
PAT Margin (%)9.539.767.814.727.23
ParticularsSep 25
Interest Earned 
Int. /Disc. on Adv/Bills4204.39
Income on Investment1653.89
Int. on balances With RBI8.14
Others43.11
Total Interest Earned5909.53
Other Income843.14
Total Income6752.67
  
EXPENDITURE 
Interest Expended4059.09
Employee Cost1013.20
Other Expenses635.22
Total Expenses5707.51
Operating Profit Before Provisions And Contingencies1045.16
Provisions And Contingencies364.75
P/L Before Tax680.41
Tax116.73
P/L After Tax from Ordinary Activities563.68
Net Profit/Loss For the Period563.68
Equity Share Capital7095.59
Reserves Excluding Revaluation Reserves0.00
ANALYTICAL RATIOS 
(%) of Share by Govt.93.85
EPS Before Extra Ordinary * 
Basic EPS (Rs.)0.79
Diluted EPS (Rs.)0.79
EPS After Extra Ordinary * 
Basic EPS (Rs.) 0.79
Diluted EPS (Rs.) 0.79
NPA Ratios: 
Gross NPA3081.89
Net NPA854.13
(%) of Gross NPA2.92
(%) of Net NPA0.83
Return on Assets %0.70
OPBPC Margin (%)17.68
PBT Margin (%)11.51
PAT Margin (%)9.53