Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
2,931.14
2,738.95
2,652.27
2,481.27
2,491.03
2,405.89
2,315.79
Income On Investments
801.41
798.90
812.95
694.24
682.71
662.66
616.42
Interest On Balances With Rbi Other Inter Bank Funds
6.18
3.78
2.47
5.79
6.33
5.06
4.85
Interest / Discount On Advances / Bills
2,104.39
1,898.33
1,824.52
1,767.80
1,784.51
1,721.18
1,677.75
Others
19.16
37.94
12.33
13.44
17.48
16.99
16.77
Other Income
338.23
358.91
193.75
412.95
361.68
268.26
178.58
Total Income
3,269.37
3,097.86
2,846.02
2,894.22
2,852.71
2,674.15
2,494.37
Interest Expended
1,992.38
1,866.10
1,802.24
1,791.95
1,751.75
1,731.01
1,578.23
Net Interest Income
938.76
872.85
850.03
689.32
739.28
674.88
737.56
Total Expenditure (Excl Depreciation)
793.01
773.81
727.18
765.92
823.97
682.88
658.80
Employee Cost
492.75
493.30
460.24
512.94
547.67
431.19
452.40
Other Operating Expenses
300.26
280.51
266.94
252.98
276.30
251.69
206.40
Operating Profit Before Provisions and Contingencies
483.98
457.95
316.60
336.35
276.99
260.26
257.34
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
109.33
150.64
103.38
109.56
96.29
-34.99
23.10
Profit Before Tax
374.65
307.31
213.22
226.79
180.70
295.25
234.24
Tax
92.69
67.72
31.72
87.44
66.39
106.16
81.57
Profit After Tax
281.96
239.59
181.50
139.35
114.31
189.09
152.67
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
281.96
239.59
181.50
139.35
114.31
189.09
152.67
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
7,689.25
0.00
0.00
0.00
Earnings per share (EPS)
0.42
0.35
0.27
0.21
0.17
0.28
0.23
Diluted Earnings per share
0.42
0.35
0.27
0.21
0.17
0.28
0.23
Operating Profit Margin (Excl OI)
69.22%
66.25%
68.68%
64.72%
63.06%
73.07%
70.55%
Gross Profit Margin
12.78%
11.22%
8.04%
9.14%
7.25%
12.27%
10.11%
PAT Margin
9.62%
8.75%
6.84%
5.62%
4.59%
7.86%
6.59%
Net Interest Margin
2.78%
2.71%
2.69%
2.32%
2.54%
2.32%
2.63%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
31.16%
30.43%
31.62%
32.42%
32.77%
31.19%
31.69%
CASA Amount
39,701.00
37,744.00
38,134.00
38,708.00
38,785.00
36,327.00
36,194.00
Capital Adequacy Ratio (Total)
15.95%
16.89%
17.3%
17.16%
16.13%
17.23%
17.19%
Capital Adequacy Ratio (Tier 1)
14.04%
14.55%
14.8%
14.74%
13.75%
14.53%
14.46%
Provision Coverage Ratio (%)
89.53%
88.56%
88.08%
88.69%
88.16%
88.54%
88.58%
Amount of Gross NPAs
3,675.81
3,835.42
4,144.93
4,665.35
4,759.23
5,106.41
5,464.16
Amount of Net NPAs
1,168.86
1,293.94
1,350.25
1,350.46
1,443.77
1,473.26
1,488.97
% of Net NPAs
1.25%
1.46%
1.59%
1.63%
1.8%
1.88%
1.95%
% of Gross NPAs
3.83%
4.21%
4.72%
5.43%
5.7%
6.23%
6.8%
Public Share Holdings (%)
1.75%
1.75%
1.75%
1.75%
1.75%
1.75%
1.75%
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
1041.0
1075.0
1053.0
1033.0
937.0
920.0
896.0
Number of Branches
1584.0
1580.0
1569.0
1564.0
1561.0
1554.0
1553.0
Quarterly Analysis Highlights - QoQ
Interest Earned
QoQ Growth in quarter ended Dec 2024 is 7.02% vs 3.27% in Sep 2024
Net Profit
QoQ Growth in quarter ended Dec 2024 is 17.68% vs 32.01% in Sep 2024
Operating Profit (PBDIT)
QoQ Growth in quarter ended Dec 2024 is 5.68% vs 44.65% in Sep 2024
% of Net NPAs
QoQ Growth in quarter ended Dec 2024 is -0.21% vs -0.13% in Sep 2024
% of Gross NPAs
QoQ Growth in quarter ended Dec 2024 is -0.38% vs -0.51% in Sep 2024
Compare Quarterly Results Of Pun. & Sind Bank With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
2,931.14
1,17,426.63
-1,14,495.49
-97.5%
Income On Investments
801.41
29,286.30
-28,484.89
-97.26%
Interest On Balances With Rbi Other Inter Bank Funds
6.18
1,243.90
-1,237.72
-99.5%
Interest / Discount On Advances / Bills
2,104.39
83,399.48
-81,295.09
-97.48%
Others
19.16
3,496.95
-3,477.79
-99.45%
Other Income
338.23
11,040.76
-10,702.53
-96.94%
Total Income
3,269.37
1,28,467.39
-1,25,198.02
-97.46%
Interest Expended
1,992.38
75,981.12
-73,988.74
-97.38%
Net Interest Income
938.76
41,445.51
-40,506.75
-97.73%
Total Expenditure (Excl Depreciation)
793.01
28,935.46
-28,142.45
-97.26%
Employee Cost
492.75
16,073.72
-15,580.97
-96.93%
Other Operating Expenses
300.26
12,861.74
-12,561.48
-97.67%
Operating Profit Before Provisions and Contingencies
483.98
23,550.81
-23,066.83
-97.94%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
109.33
911.06
-801.73
-88.0%
Profit Before Tax
374.65
22,639.75
-22,265.10
-98.35%
Tax
92.69
5,748.31
-5,655.62
-98.39%
Profit After Tax
281.96
16,891.44
-16,609.48
-98.33%
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
281.96
16,891.44
-16,609.48
-98.33%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
0.42
18.93
-18.51
-97.78%
Diluted Earnings per share
0.42
18.93
-18.51
-97.78%
Operating Profit Margin (Excl OI)
69.22%
74.58%
0.00
-5.36%
Gross Profit Margin
12.78%
19.28%
0.00
-6.50%
PAT Margin
9.62%
14.38%
0.00
-4.76%
Net Interest Margin
2.78%
3.01%
-0.23
-0.23%
Return on Assets
0.00%
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
0.00%
Pledged Capital (%)
0.00%
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
Quarterly - Interest Earned
Interest Earned 2931.14 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 7.02% vs 3.27% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 17.67% vs 18.2% in Dec 2023
Quarterly - Net Profit
Net Profit 281.96 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 17.68% vs 32.01% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 146.66% vs -69.37% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 483.98 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 5.68% vs 44.65% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 74.73% vs -19.56% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 1.25%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.21% vs -0.13% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.55% vs -0.22% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 3.83%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.38% vs -0.51% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -1.87% vs -2.66% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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