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Pun. & Sind Bank

  • Market Cap: Mid Cap
  • Industry: Bank - Public
  • ISIN: INE608A01012
  • NSEID: PSB
  • BSEID: 533295
INR
26.94
0.41 (1.55%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 36.75 lacs

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
5,391.22
4,721.68
3,780.35
3,431.34
3,600.14
4,084.60
4,173.89
Income On Investments
1,611.85
1,279.08
1,146.88
1,004.69
964.66
992.35
1,064.94
Interest On Balances With Rbi Other Inter Bank Funds
6.25
9.91
16.56
48.84
42.54
18.87
30.10
Interest / Discount On Advances / Bills
3,722.85
3,398.93
2,577.15
2,318.13
2,533.04
3,008.80
2,989.37
Others
50.27
33.76
39.76
59.68
59.90
64.58
89.48
Other Income
552.66
446.84
255.29
573.92
321.76
375.88
467.61
Total Income
5,943.88
5,168.52
4,035.64
4,005.26
3,921.90
4,460.48
4,641.50
Interest Expended
3,668.34
3,309.24
2,295.75
2,235.21
2,449.49
3,007.69
3,210.21
Net Interest Income
1,722.88
1,412.44
1,484.60
1,196.13
1,150.65
1,076.91
963.68
Total Expenditure (Excl Depreciation)
1,500.99
1,341.68
1,170.29
1,089.82
1,046.75
932.56
793.08
Employee Cost
953.54
883.59
683.06
704.13
736.36
619.34
555.26
Other Operating Expenses
547.45
458.09
487.23
385.69
310.39
313.22
237.82
Operating Profit Before Provisions and Contingencies
774.55
517.60
569.60
680.23
425.66
520.23
638.21
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
254.02
-11.89
94.68
248.61
1,214.70
1,307.15
636.55
Profit Before Tax
520.53
529.49
474.92
431.62
-789.04
-786.92
1.66
Tax
99.44
187.73
-7.88
39.49
-270.88
-287.91
37.89
Profit After Tax
421.09
341.76
482.80
392.13
-518.16
-499.01
-36.23
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
421.09
341.76
482.80
392.13
-518.16
-499.01
-36.23
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
0.62
0.5
0.71
0.97
-7.39
-8.29
-0.64
Diluted Earnings per share
0.62
0.5
0.71
0.97
-7.39
-8.53
0.0
Operating Profit Margin (Excl OI)
67.45%
71.84%
66.54%
60.99%
37.18%
45.17%
65.75%
Gross Profit Margin
9.66%
11.21%
12.56%
12.58%
-21.92%
-19.27%
76.95%
PAT Margin
7.81%
7.24%
12.77%
11.43%
-14.39%
-12.22%
-0.87%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
30.43%
31.19%
33.36%
30.24%
32.23%
0.0%
0.0%
CASA Amount
37,744.00
36,327.00
35,102.00
30,820.00
27,253.00
0.00
0.00
Capital Adequacy Ratio (Total)
16.89%
17.23%
15.68%
17.92%
11.11%
11.68%
0.0%
Capital Adequacy Ratio (Tier 1)
14.55%
14.53%
12.65%
14.32%
8.03%
9.87%
0.0%
Provision Coverage Ratio (%)
88.56%
88.54%
89.16%
84.44%
76.12%
65.52%
0.0%
Amount of Gross NPAs
3,835.42
5,106.41
7,128.45
9,822.80
8,673.16
9,218.22
8,605.87
Amount of Net NPAs
1,293.94
1,473.26
1,528.49
2,287.77
3,306.52
4,443.54
4,994.23
% of Net NPAs
1.46%
1.88%
2.24%
3.81%
5.87%
7.07%
7.22%
% of Gross NPAs
4.21%
6.23%
9.67%
14.54%
14.06%
13.64%
11.83%
Public Share Holdings (%)
1.75%
1.75%
1.75%
2.93%
16.94%
19.72%
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
1075.0
920.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
1580.0
1554.0
1525.0
1531.0
0.0
0.0
0.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2024 is 14.18% vs 24.9% in Sep 2023

stock-summary

Net Profit

Growth in half year ended Sep 2024 is 23.21% vs -29.21% in Sep 2023

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 49.64% vs -9.13% in Sep 2023

stock-summary

% of Net NPAs

Growth in half year ended Sep 2024 is -0.42% vs -0.36% in Sep 2023

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2024 is -2.02% vs -3.44% in Sep 2023

Compare Half Yearly Results Of Pun. & Sind Bank With
Markets Mojo
Figures in Rs cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
5,391.22
2,25,396.54
-2,20,005.32
-97.61%
Income On Investments
1,611.85
56,288.87
-54,677.02
-97.14%
Interest On Balances With Rbi Other Inter Bank Funds
6.25
2,043.02
-2,036.77
-99.69%
Interest / Discount On Advances / Bills
3,722.85
1,60,221.14
-1,56,498.29
-97.68%
Others
50.27
6,843.51
-6,793.24
-99.27%
Other Income
552.66
26,432.42
-25,879.76
-97.91%
Total Income
5,943.88
2,51,828.96
-2,45,885.08
-97.64%
Interest Expended
3,668.34
1,42,651.55
-1,38,983.21
-97.43%
Net Interest Income
1,722.88
82,744.99
-81,022.11
-97.92%
Total Expenditure (Excl Depreciation)
1,500.99
53,435.09
-51,934.10
-97.19%
Employee Cost
953.54
30,273.32
-29,319.78
-96.85%
Other Operating Expenses
547.45
23,161.77
-22,614.32
-97.64%
Operating Profit Before Provisions and Contingencies
774.55
55,742.32
-54,967.77
-98.61%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
254.02
7,955.15
-7,701.13
-96.81%
Profit Before Tax
520.53
47,787.17
-47,266.64
-98.91%
Tax
99.44
12,420.57
-12,321.13
-99.2%
Profit After Tax
421.09
35,366.60
-34,945.51
-98.81%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
421.09
35,366.60
-34,945.51
-98.81%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
0.62
39.63
-39.01
-98.44%
Diluted Earnings per share
0.62
39.63
-39.01
-98.44%
Operating Profit Margin (Excl OI)
67.45%
72.76%
0.00
-5.31%
Gross Profit Margin
9.66%
21.20%
0.00
-11.54%
PAT Margin
7.81%
15.69%
0.00
-7.88%
Net Interest Margin
0.00%
3.18%
-3.18
-3.18%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
30.43%
40.03%
-9.60
-9.60%
CASA Amount
37,744.00
19,36,199.00
-18,98,455.00
-98.05%
Capital Adequacy Ratio (Total)
16.89%
13.76%
3.13
3.13%
Capital Adequacy Ratio (Tier 1)
14.55%
11.32%
3.23
3.23%
Provision Coverage Ratio (%)
88.56%
75.66%
12.90
12.90%
Amount of Gross NPAs
3,835.42
83,369.23
-79,533.81
-95.4%
Amount of Net NPAs
1,293.94
20,294.32
-19,000.38
-93.62%
% of Net NPAs
1.46%
0.53%
0.93
0.93%
% of Gross NPAs
4.21%
2.13%
2.08
2.08%
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
1,075.00
0.00
1,075.00
Number of Branches
1,580.00
0.00
1,580.00
Half Yearly - Interest Earned
Interest Earned 5391.22 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

Growth in half year ended Sep 2024 is 14.18% vs 24.9% in Sep 2023

Half Yearly - Net Profit
Net Profit 421.09 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

Growth in half year ended Sep 2024 is 23.21% vs -29.21% in Sep 2023

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 774.55 Cr
in Sep 2024

Figures in Rs Cr
stock-summary

Growth in half year ended Sep 2024 is 49.64% vs -9.13% in Sep 2023

Half Yearly - % of Net NPAs
% of Net NPAs 1.46%
in Sep 2024

Figures in Rs %
stock-summary

Growth in half year ended Sep 2024 is -0.42% vs -0.36% in Sep 2023

Half Yearly - % of Gross NPAs
% of Gross NPAs 4.21%
in Sep 2024

Figures in Rs %
stock-summary

Growth in half year ended Sep 2024 is -2.02% vs -3.44% in Sep 2023

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