Punjab & Sind Bank
Punjab & Sind Bank (PSB) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Banks›Public Sector Bank
Key metrics
Price as of 2026-09-03
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Share price
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Interest Income | 1,122 Cr | 900 Cr | 950 Cr | 986 Cr |
| Other income | 677 Cr | 469 Cr | 374 Cr | 507 Cr |
| Net operating income | 1,799 Cr | 1,369 Cr | 1,324 Cr | 1,493 Cr |
| Employee cost | 642 Cr | 524 Cr | 489 Cr | 560 Cr |
| Other expenses | 340 Cr | 305 Cr | 330 Cr | 339 Cr |
| Provisions & contingencies | 374 Cr | 217 Cr | 148 Cr | 138 Cr |
| Depreciation | — | — | — | — |
| Profit before tax | 442 Cr | 323 Cr | 357 Cr | 456 Cr |
| Tax % | 29.3% | 16.7% | 17.6% | 26.3% |
| Net profit | 313 Cr | 269 Cr | 295 Cr | 336 Cr |
| EPS (₹) | ₹0.46 | ₹0.38 | ₹0.42 | ₹0.47 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2025 | TTM |
|---|---|---|
| Net Interest Income | 3,784 Cr | Sign in for TTM |
| Other income | 1,568 Cr | Sign in for TTM |
| Net operating income | 5,351 Cr | Sign in for TTM |
| Employee cost | 2,088 Cr | Sign in for TTM |
| Other expenses | 1,188 Cr | Sign in for TTM |
| Provisions & contingencies | 737 Cr | Sign in for TTM |
| Depreciation | — | Sign in for TTM |
| Profit before tax | 1,338 Cr | Sign in for TTM |
| Tax % | 24.1% | Sign in for TTM |
| Net profit | 1,016 Cr | Sign in for TTM |
| EPS (₹) | ₹1.50 | Sign in for TTM |
| Dividend payout % | 13.3% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2025 |
|---|---|
| Equity capital | 6,778 Cr |
| Reserves | 5,196 Cr |
| Borrowings | 14,230 Cr |
| Other liabilities | 1,35,611 Cr |
| Total liabilities | 1,61,815 Cr |
| Fixed assets (net) | 1,779 Cr |
| CWIP | — |
| Investments | 46,912 Cr |
| Loans & advances | 97,300 Cr |
| Cash & bank | 8,794 Cr |
| Other assets | 7,030 Cr |
| Total assets | 1,61,815 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2025 |
|---|---|
| Cash from operating activity | -2,293 Cr |
| Cash from investing | -168 Cr |
| Cash from financing | 3,898 Cr |
| Net cash flow | 1,437 Cr |
| Free cash flow (OCF − Capex) | -2,461 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2025 |
|---|---|
| ROCE % | 5.8% |
| ROE % | 8.5% |
| Debtor days | — |
| Inventory days | — |
| Days payable | — |
| Cash conversion cycle | — |
| Debt / equity | 1.19 |
| Current ratio | — |
| Net debt / EBITDA | — |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2025 |
|---|---|
| Gross NPA | 3,370 Cr |
| Gross NPA % | 3.4% |
| Net NPA | 937 Cr |
| Net NPA % | 1.0% |
| CET1 % | 15.6% |
| Additional Tier 1 % | 0.0% |
| Capital adequacy % | — |
| NIM % | — |
| ROA % | 0.7% |
Compare with peers
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