Annual Results Results Snapshot
Figures in Rs cr
Standalone Annual Results
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Mar'18
Interest Earned
9,693.98
7,992.73
7,095.81
6,973.91
7,929.53
8,558.67
7,948.75
Income On Investments
2,656.03
2,359.34
2,094.66
1,873.67
1,990.49
2,297.75
2,450.84
Interest On Balances With Rbi Other Inter Bank Funds
22.03
30.71
118.43
114.06
37.48
60.26
117.04
Interest / Discount On Advances / Bills
6,951.24
5,502.44
4,778.41
4,865.45
5,773.83
6,029.72
5,231.52
Others
64.68
100.24
104.31
120.73
127.73
170.94
149.35
Other Income
1,221.47
939.96
959.38
903.62
897.39
828.28
581.20
Total Income
10,915.45
8,932.69
8,055.19
7,877.53
8,826.92
9,386.95
8,529.95
Interest Expended
6,852.94
5,019.35
4,444.50
4,712.00
5,871.98
6,278.97
5,713.56
Net Interest Income
2,841.04
2,973.38
2,651.31
2,261.91
2,057.55
2,279.70
2,235.19
Total Expenditure (Excl Depreciation)
2,931.57
2,463.40
2,280.60
2,393.50
1,858.03
1,711.12
1,671.68
Employee Cost
1,944.20
1,544.42
1,478.55
1,688.07
1,211.09
1,175.81
1,123.00
Other Operating Expenses
987.37
918.98
802.05
705.43
646.94
535.31
548.68
Operating Profit Before Provisions and Contingencies
1,130.94
1,449.94
1,330.09
772.03
1,096.91
1,396.86
1,144.71
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
193.96
-169.90
143.40
4,176.26
2,619.28
2,255.63
1,739.55
Profit Before Tax
936.98
1,619.84
1,186.69
-3,404.23
-1,522.37
-858.77
-594.84
Tax
341.56
306.81
147.64
-671.33
-531.57
-315.29
148.96
Profit After Tax
595.42
1,313.03
1,039.05
-2,732.90
-990.80
-543.48
-743.80
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
595.42
1,313.03
1,039.05
-2,732.90
-990.80
-543.48
-743.80
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
7,689.25
7,418.50
6,312.90
3,391.91
3,971.22
4,206.68
4,770.73
Earnings per share (EPS)
0.88
1.94
1.53
-6.74
-14.13
-9.62
-13.17
Diluted Earnings per share
0.88
1.94
2.56
-35.71
-15.76
-9.62
-18.49
Operating Profit Margin (Excl OI)
67.76%
71.31%
65.84%
5.8%
43.54%
53.65%
57.08%
Gross Profit Margin
9.67%
20.27%
16.72%
-48.81%
-19.2%
-10.03%
-7.48%
PAT Margin
6.14%
16.43%
14.64%
-39.19%
-12.5%
-6.35%
-9.36%
Net Interest Margin
0.0%
2.91%
0.0%
0.0%
1.88%
1.98%
2.09%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
32.42%
33.59%
33.81%
32.81%
0.0%
26.79%
23.65%
CASA Amount
38,708.00
36,833.00
34,528.00
31,530.00
26,518.00
26,407.00
0.00
Capital Adequacy Ratio (Total)
17.16%
17.1%
18.54%
17.06%
12.76%
10.93%
11.25%
Capital Adequacy Ratio (Tier 1)
14.74%
14.32%
14.8%
13.98%
9.58%
9.5%
9.85%
Provision Coverage Ratio (%)
88.69%
89.06%
87.89%
82.89%
66.74%
59.46%
54.41%
Amount of Gross NPAs
4,665.35
5,648.21
8,564.82
9,334.00
8,874.57
8,605.87
7,801.65
Amount of Net NPAs
1,350.46
1,411.50
1,742.27
2,461.95
4,684.15
4,994.23
4,607.87
% of Net NPAs
1.63%
1.84%
2.74%
4.04%
8.03%
7.22%
6.93%
% of Gross NPAs
5.43%
6.97%
12.17%
13.76%
14.18%
11.83%
11.19%
Public Share Holdings (%)
1.75%
1.75%
1.75%
2.93%
16.94%
14.44%
14.44%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
1033.0
835.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
1564.0
1553.0
1530.0
0.0
1518.0
1518.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2024 is 21.28% vs 12.64% in Mar 2023
Net Profit
YoY Growth in year ended Mar 2024 is -54.65% vs 26.37% in Mar 2023
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2024 is -22.00% vs 9.01% in Mar 2023
% of Net NPAs
YoY Growth in year ended Mar 2024 is -0.21% vs -0.90% in Mar 2023
% of Gross NPAs
YoY Growth in year ended Mar 2024 is -1.54% vs -5.20% in Mar 2023
Compare Annual Results Of Pun. & Sind Bank With
Figures in Rs cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
9,693.98
4,15,130.66
-4,05,436.68
-97.66%
Income On Investments
2,656.03
1,08,640.51
-1,05,984.48
-97.56%
Interest On Balances With Rbi Other Inter Bank Funds
22.03
5,090.19
-5,068.16
-99.57%
Interest / Discount On Advances / Bills
6,951.24
2,88,038.24
-2,81,087.00
-97.59%
Others
64.68
13,361.72
-13,297.04
-99.52%
Other Income
1,221.47
51,682.16
-50,460.69
-97.64%
Total Income
10,915.45
4,66,812.82
-4,55,897.37
-97.66%
Interest Expended
6,852.94
2,55,254.83
-2,48,401.89
-97.32%
Net Interest Income
2,841.04
1,59,875.83
-1,57,034.79
-98.22%
Total Expenditure (Excl Depreciation)
2,931.57
1,17,760.81
-1,14,829.24
-97.51%
Employee Cost
1,944.20
71,236.98
-69,292.78
-97.27%
Other Operating Expenses
987.37
46,523.83
-45,536.46
-97.88%
Operating Profit Before Provisions and Contingencies
1,130.94
93,797.18
-92,666.24
-98.79%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
193.96
4,914.22
-4,720.26
-96.05%
Profit Before Tax
936.98
81,782.96
-80,845.98
-98.85%
Tax
341.56
20,706.34
-20,364.78
-98.35%
Profit After Tax
595.42
61,076.62
-60,481.20
-99.03%
Extraordinary Items
0.00
-5,302.38
5,302.38
100.0%
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
595.42
66,379.00
-65,783.58
-99.1%
Face Value
10.00
1.00
0.00
Reserves
7,689.25
3,48,798.42
-3,41,109.17
-97.8%
Earnings per share (EPS)
0.88
68.44
-67.56
-98.71%
Diluted Earnings per share
0.88
76.39
-75.51
-98.85%
Operating Profit Margin (Excl OI)
67.76%
68.74%
0.00
-0.98%
Gross Profit Margin
9.67%
19.70%
0.00
-10.03%
PAT Margin
6.14%
14.71%
0.00
-8.57%
Net Interest Margin
0.00%
3.28%
-3.28
-3.28%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
32.42%
41.11%
-8.69
-8.69%
CASA Amount
38,708.00
19,41,996.00
-19,03,288.00
-98.01%
Capital Adequacy Ratio (Total)
17.16%
14.28%
2.88
2.88%
Capital Adequacy Ratio (Tier 1)
14.74%
11.93%
2.81
2.81%
Provision Coverage Ratio (%)
88.69%
75.02%
13.67
13.67%
Amount of Gross NPAs
4,665.35
84,276.33
-79,610.98
-94.46%
Amount of Net NPAs
1,350.46
21,051.08
-19,700.62
-93.58%
% of Net NPAs
1.63%
0.57%
1.06
1.06%
% of Gross NPAs
5.43%
2.24%
3.19
3.19%
Public Share Holdings (%)
1.75%
0.00%
1.75
1.75%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
1,033.00
63,580.00
-62,547.00
-98.38%
Number of Branches
1,564.00
22,542.00
-20,978.00
-93.06%
Annual - Interest Earned
Interest Earned 9693.98 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is 21.28% vs 12.64% in Mar 2023
Annual - Net Profit
Net Profit 595.42 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is -54.65% vs 26.37% in Mar 2023
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,130.94 Cr
in Mar 2024Figures in Rs Cr
YoY Growth in year ended Mar 2024 is -22.00% vs 9.01% in Mar 2023
Annual - % of Net NPAs
% of Net NPAs 1.63%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -0.21% vs -0.90% in Mar 2023
Annual - % of Gross NPAs
% of Gross NPAs 5.43%
in Mar 2024Figures in Rs %
YoY Growth in year ended Mar 2024 is -1.54% vs -5.20% in Mar 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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