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

Click here to access the older version

Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

8,322.36

7,212.71

5,887.79

5,302.52

5,363.24

6,025.20

6,540.47

Income On Investments

2,413.26

1,961.79

1,768.20

1,548.98

1,420.08

1,510.44

1,800.48

Interest On Balances With Rbi Other Inter Bank Funds

12.43

16.24

25.58

85.33

70.94

26.80

48.43

Interest / Discount On Advances / Bills

5,827.24

5,183.44

4,011.44

3,585.25

3,785.18

4,391.47

4,556.54

Others

69.43

51.24

82.57

82.96

87.04

96.49

135.02

Other Income

890.89

808.52

392.92

744.77

541.18

512.29

542.11

Total Income

9,213.25

8,021.23

6,280.71

6,047.29

5,904.42

6,537.49

7,082.58

Interest Expended

5,660.72

5,060.99

3,598.19

3,348.77

3,596.31

4,471.81

4,690.46

Net Interest Income

2,661.64

2,151.72

2,289.60

1,953.75

1,766.93

1,553.39

1,850.01

Total Expenditure (Excl Depreciation)

2,294.00

2,165.65

1,768.59

1,685.92

1,742.31

1,398.52

1,399.39

Employee Cost

1,446.29

1,431.26

1,071.97

1,093.66

1,256.77

920.46

949.57

Other Operating Expenses

847.71

734.39

696.62

592.26

485.54

478.06

449.82

Operating Profit Before Provisions and Contingencies

1,258.53

794.59

913.93

1,012.60

565.80

667.16

992.73

Exceptional Items

0.00

Provisions and contingencies

363.35

84.40

-112.78

274.96

4,139.39

1,801.45

1,821.87

Profit Before Tax

895.18

710.19

1,026.71

737.64

-3,573.59

-1,134.29

-829.14

Tax

192.13

254.12

170.67

44.69

-679.90

-379.79

-344.23

Profit After Tax

703.05

456.07

856.04

692.95

-2,893.69

-754.50

-484.91

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

703.05

456.07

856.04

692.95

-2,893.69

-754.50

-484.91

Face Value

10.0

Reserves

0.00

Diluted Earnings per share

0.42

0.17

0.55

0.74

-33.89

-3.96

0.4

Operating Profit Margin (Excl OI)

72.44%

69.97%

69.96%

68.21%

67.51%

76.79%

78.6%

Gross Profit Margin

0.0%

PAT Margin

8.45%

6.32%

14.54%

13.07%

-53.95%

-12.52%

-7.41%

Net Interest Margin

2.78%

2.54%

3.12%

3.17%

0.0%

1.74%

1.83%

Return on Assets

0.0%

CASA (%)

31.16%

32.77%

33.3%

32.63%

0.0%

27.65%

24.49%

CASA Amount

39,701.00

38,785.00

36,460.00

32,749.00

0.00

25,572.00

24,429.00

Capital Adequacy Ratio (Total)

15.95%

16.13%

15.57%

17.82%

16.39%

12.04%

10.78%

Capital Adequacy Ratio (Tier 1)

14.04%

13.75%

12.79%

14.41%

13.4%

9.37%

9.39%

Provision Coverage Ratio (%)

89.53%

88.16%

89.31%

87.77%

0.0%

62.14%

60.03%

Amount of Gross NPAs

3,675.81

4,759.23

6,499.91

9,635.75

8,489.89

8,923.49

7,990.67

Amount of Net NPAs

1,168.86

1,443.77

1,469.14

1,773.06

1,638.25

5,417.79

4,696.47

% of Net NPAs

1.25%

1.8%

2.02%

3.01%

2.84%

8.71%

6.9%

% of Gross NPAs

3.83%

5.7%

8.36%

14.44%

13.14%

13.58%

11.19%

Public Share Holdings (%)

1.75%

2.93%

16.94%

14.44%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1041.0

937.0

803.0

0.0

Number of Branches

1584.0

1561.0

1528.0

1531.0

0.0

1521.0

1518.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 15.38% vs 22.5% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 54.15% vs -46.72% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 58.39% vs -13.06% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.55% vs -0.22% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -1.87% vs -2.66% in Dec 2023

Compare Nine Monthly Results Of Pun. & Sind Bank With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

8,322.36

3,42,823.17

-3,34,500.81

-97.57%

Income On Investments

2,413.26

85,575.17

-83,161.91

-97.18%

Interest On Balances With Rbi Other Inter Bank Funds

12.43

3,286.92

-3,274.49

-99.62%

Interest / Discount On Advances / Bills

5,827.24

2,43,620.62

-2,37,793.38

-97.61%

Others

69.43

10,340.46

-10,271.03

-99.33%

Other Income

890.89

37,473.18

-36,582.29

-97.62%

Total Income

9,213.25

3,80,296.35

-3,71,083.10

-97.58%

Interest Expended

5,660.72

2,18,632.67

-2,12,971.95

-97.41%

Net Interest Income

2,661.64

1,24,190.50

-1,21,528.86

-97.86%

Total Expenditure (Excl Depreciation)

2,294.00

82,370.55

-80,076.55

-97.22%

Employee Cost

1,446.29

46,347.04

-44,900.75

-96.88%

Other Operating Expenses

847.71

36,023.51

-35,175.80

-97.65%

Operating Profit Before Provisions and Contingencies

1,258.53

79,293.13

-78,034.60

-98.41%

Exceptional Items

0.00

Provisions and contingencies

363.35

8,866.21

-8,502.86

-95.9%

Profit Before Tax

895.18

70,426.92

-69,531.74

-98.73%

Tax

192.13

18,168.88

-17,976.75

-98.94%

Profit After Tax

703.05

52,258.04

-51,554.99

-98.65%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

703.05

52,258.04

-51,554.99

-98.65%

Face Value

10.00

1.00

0.00

Reserves

0.00

Gross Profit Margin

0.00%

0.00

0.00%

PAT Margin

8.45%

15.24%

0.00

-6.79%

Net Interest Margin

2.78%

3.01%

-0.23

-0.23%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

31.16%

39.20%

-8.04

-8.04%

CASA Amount

39,701.00

19,65,237.00

-19,25,536.00

-97.98%

Capital Adequacy Ratio (Total)

15.95%

13.03%

2.92

2.92%

Capital Adequacy Ratio (Tier 1)

14.04%

10.85%

3.19

3.19%

Provision Coverage Ratio (%)

89.53%

74.66%

14.87

14.87%

Amount of Gross NPAs

3,675.81

84,360.38

-80,684.57

-95.64%

Amount of Net NPAs

1,168.86

21,377.64

-20,208.78

-94.53%

% of Net NPAs

1.25%

0.53%

0.72

0.72%

% of Gross NPAs

3.83%

2.07%

1.76

1.76%

Public Share Holdings (%)

1.75%

0.00%

1.75

1.75%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,041.00

0.00

1,041.00

Number of Branches

1,584.00

0.00

1,584.00

Nine Monthly - Interest Earned

Interest Earned 8322.36 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 15.38% vs 22.5% in Dec 2023

Nine Monthly - Net Profit

Net Profit 703.05 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 54.15% vs -46.72% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,258.53 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 58.39% vs -13.06% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 1.25%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.55% vs -0.22% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 3.83%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -1.87% vs -2.66% in Dec 2023