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NINE MONTHS RESULTS

Punjab & Sind Bank
( in Crs.)

ParticularsDec 23Dec 22Dec 21Dec 20Dec 19
Interest Earned     
Int. /Disc. on Adv/Bills5183.444011.443585.253785.184391.47
Income on Investment1961.791768.201548.981420.081510.44
Int. on balances With RBI16.2425.5885.3370.9426.80
Others51.2482.5782.9687.0496.49
Total Interest Earned7212.715887.795302.525363.246025.20
Other Income808.52392.92744.77572.86512.29
Total Income8021.236280.716047.295936.106537.49
      
EXPENDITURE     
Interest Expended5060.993598.193348.773596.314471.81
Employee Cost1431.261063.021093.661256.77920.46
Other Expenses734.39705.57592.26485.54478.06
Total Expenses7226.645366.785034.695338.625870.33
      
Operating Profit Before Provisions And Contingencies794.59913.931012.60597.48667.16
Provisions And Contingencies84.40-112.78274.964171.071801.45
P/L Before Tax710.191026.71737.64-3573.59-1134.29
Tax254.12170.6744.69-679.90-379.79
P/L After Tax from Ordinary Activities456.07856.04692.95-2893.69-754.50
Net Profit/Loss For the Period456.07856.04692.95-2893.69-754.50
      
Equity Share Capital6777.796777.794052.67701.05701.05
      
ANALYTICAL RATIOS     
(%) of Share by Govt.98.2598.2597.0783.0683.06
EPS Before Extra Ordinary *     
Basic EPS (Rs.)0.171.261.71-41.28-12.47
Diluted EPS (Rs.)0.171.261.71-41.28-12.47
EPS After Extra Ordinary *     
Basic EPS (Rs.) 0.171.261.71-41.28-12.47
Diluted EPS (Rs.) 0.171.261.71-41.28-12.47
      
NPA Ratios:     
Gross NPA4759.236499.919635.758489.898923.49
Net NPA1443.771469.141773.061638.255417.79
(%) of Gross NPA5.708.3614.4413.1413.58
(%) of Net NPA1.802.023.012.848.71
Return on Assets %0.420.860.76-3.71-0.92
      
OPBPC Margin (%)11.0115.5219.0911.1411.07
PBT Margin (%)9.8417.4313.91-66.63-18.82
PAT Margin (%)6.3214.5313.06-53.95-12.52
ParticularsDec 23
Interest Earned 
Int. /Disc. on Adv/Bills5183.44
Income on Investment1961.79
Int. on balances With RBI16.24
Others51.24
Total Interest Earned7212.71
Other Income808.52
Total Income8021.23
  
EXPENDITURE 
Interest Expended5060.99
Employee Cost1431.26
Other Expenses734.39
Total Expenses7226.64
Operating Profit Before Provisions And Contingencies794.59
Provisions And Contingencies84.40
P/L Before Tax710.19
Tax254.12
P/L After Tax from Ordinary Activities456.07
Net Profit/Loss For the Period456.07
Equity Share Capital6777.79
ANALYTICAL RATIOS 
(%) of Share by Govt.98.25
EPS Before Extra Ordinary * 
Basic EPS (Rs.)0.17
Diluted EPS (Rs.)0.17
EPS After Extra Ordinary * 
Basic EPS (Rs.) 0.17
Diluted EPS (Rs.) 0.17
NPA Ratios: 
Gross NPA4759.23
Net NPA1443.77
(%) of Gross NPA5.70
(%) of Net NPA1.80
Return on Assets %0.42
OPBPC Margin (%)11.01
PBT Margin (%)9.84
PAT Margin (%)6.32