Punjab & Sind Bank

Pun. & Sind Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Punjab & Sind Bank

₹ 32.9 -0.78%
05 Jun 2:27 p.m.
psbindia.com BSE: 533295 NSE : PSB
About

Punjab & Sind Bank is engaged in the Business of Deposits,Loans & Advances and Remittances & Collections.

Key Points

Ratios (Q3FY21)
Capital Adequacy Ratio - 16.39%[1]
Net Interest Margin - 2.31%[2]
Gross NPA - 13.14%
Net NPA - 2.84%[3]
CASA Ratio - 32.4%[4]

Website BSE NSE
  • Market Cap ₹ 22,326 Cr.
  • Current Price ₹ 32.9
  • High / Low ₹ 44.8 / 12.5
  • Stock P/E 17.0
  • Book Value ₹ 20.7
  • Dividend Yield 0.93 %
  • ROCE 5.60 %
  • ROE 9.37 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 30.4% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 0.11% over past five years.
  • Company has a low return on equity of -1.18% over last 3 years.
  • Contingent liabilities of Rs.10,812 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

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Quarterly Results

Figures in Rs. Crores

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Revenue 1,904 1,800 1,800 1,763 1,611 1,690 1,741 1,871 1,793 1,800 1,980 2,107 2,105
Interest 1,400 1,263 1,187 1,147 1,116 1,111 1,124 1,114 1,096 1,091 1,205 1,302 1,421
1,277 848 1,420 3,612 666 459 775 622 463 542 723 391 638
Financing Profit -773 -311 -807 -2,995 -171 120 -158 135 234 167 52 414 46
Financing Margin % -41% -17% -45% -170% -11% 7% -9% 7% 13% 9% 3% 20% 2%
385 154 175 211 340 214 256 171 215 115 140 138 547
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax -388 -157 -632 -2,785 169 334 98 306 449 282 193 552 593
Tax % 39% 25% 37% 15% 5% 48% -123% 2% 23% 27% -44% 32% 23%
Net Profit -236 -117 -401 -2,376 161 174 218 301 346 205 278 373 457
EPS in Rs -3.37 -1.67 -5.72 -33.89 0.40 0.43 0.54 0.74 0.51 0.30 0.41 0.55 0.67
Gross NPA % 14.18% 14.34% 14.06% 13.14% 13.76% 13.33% 14.54% 14.44% 12.17% 11.34% 9.67% 8.36% 6.97%
Net NPA % 8.03% 7.57% 5.87% 2.84% 4.04% 3.61% 3.81% 3.01% 2.74% 2.56% 2.24% 2.02% 1.84%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Revenue 6,474 7,340 7,973 8,589 8,744 8,173 7,949 8,559 7,930 6,974 7,096 7,993
Interest 4,973 5,699 6,352 6,909 6,569 6,014 5,714 6,279 5,872 4,712 4,444 5,019
1,260 1,523 1,742 1,915 2,110 2,536 3,347 3,981 4,423 6,468 2,287 2,294
Financing Profit 241 118 -121 -235 66 -377 -1,112 -1,702 -2,366 -4,206 364 680
Financing Margin % 4% 2% -2% -3% 1% -5% -14% -20% -30% -60% 5% 9%
417 394 427 429 478 578 581 828 897 904 959 940
Depreciation 44 27 60 46 46 -0 64 -15 54 102 137 -0
Profit before tax 614 486 246 147 498 201 -595 -859 -1,522 -3,404 1,187 1,620
Tax % 27% 30% -22% 18% 33% -0% -25% 37% 35% 20% 12% 19%
Net Profit 451 339 301 121 336 201 -744 -543 -991 -2,733 1,039 1,313
EPS in Rs 19.27 13.35 10.92 3.03 8.39 5.02 -13.17 -9.62 -14.13 -6.74 1.53 1.94
Dividend Payout % 10% 20% 20% 20% 20% -0% -0% -0% -0% -0% 20% 25%
Compounded Sales Growth
10 Years: 1%
5 Years: 0%
3 Years: 0%
TTM: 13%
Compounded Profit Growth
10 Years: 15%
5 Years: 30%
3 Years: 49%
TTM: 26%
Stock Price CAGR
10 Years: -5%
5 Years: 1%
3 Years: 23%
1 Year: 118%
Return on Equity
10 Years: -2%
5 Years: -4%
3 Years: -1%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
434 454 475 400 400 400 565 565 701 4,053 6,778
Reserves 3,815 4,150 4,536 5,196 5,570 5,742 5,618 5,136 4,895 4,310 7,233
66,506 73,182 87,035 89,763 94,089 88,499 105,409 101,272 92,881 98,752 104,581
2,350 2,892 2,663 2,394 2,522 2,002 2,167 2,009 2,027 3,367 2,476
Total Liabilities 72,905 80,478 94,509 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068
808 844 1,003 995 1,133 1,095 1,083 1,230 1,241 1,585 1,577
CWIP -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Investments 20,064 22,542 28,294 24,007 27,645 27,948 32,982 26,173 24,552 32,023 42,281
52,033 57,091 65,212 72,752 73,803 67,600 79,695 81,579 74,711 76,874 77,209
Total Assets 72,905 80,478 94,509 97,753 102,581 96,643 113,759 108,982 100,504 110,482 121,068

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-653 -26 2,469 -1,982 930 -495 1,063 -97 2,210 -5,848 -5,999 1,428
-36 -82 -58 -84 -38 -33 -51 -61 -63 -446 -121 -88
108 -129 -165 -39 -209 216 1,531 -356 814 5,055 4,068 -1,332
Net Cash Flow -581 -236 2,246 -2,105 683 -313 2,543 -514 2,960 -1,239 -2,051 8

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 11% 8% 6% 2% 6% 3% -12% -9% -18% -39% 9%

Shareholding Pattern

Numbers in percentages

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
83.06 83.06 83.06 97.07 97.07 97.07 97.07 98.25 98.25 98.25 98.25 98.25
0.76 0.01 0.00 0.00 0.01 0.03 0.01 0.00 0.00 0.01 0.00 0.01
6.07 6.07 6.08 1.05 1.06 1.06 1.06 0.64 0.66 0.66 0.67 0.67
10.10 10.85 10.86 1.88 1.86 1.84 1.85 1.11 1.09 1.07 1.08 1.07

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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