Punjab & Sind Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest Income on Loans	85,806	114,813	96,940	79,927	70,958
Interest Income on Investments	34,009	-	-	-	-
Total Interest Income	119,815	114,813	96,940	79,927	70,958
Interest Paid on Deposits	81,701	76,976	68,529	50,194	44,445
Net Interest Income	38,114	37,837	28,410	29,734	26,513
Net Interest Income Growth (YoY)	0.73%	33.18%	-4.45%	12.15%	17.21%
Gain (Loss) on Sale of Assets	-	-1.98	4.4	21.54	-1.58
Gain (Loss) on Sale of Investments	-	3,746	113.91	-141.78	2,707
Other Non-Interest Income	17,778	11,932	12,096	9,520	6,889
Total Non-Interest Income	17,778	15,677	12,215	9,400	9,594
Non-Interest Income Growth (YoY)	13.41%	28.34%	29.95%	-2.02%	6.17%
Revenues Before Loan Losses	55,892	53,513	40,625	39,133	36,107
Provision for Loan Losses	4,294	10,591	5,355	1,369	2,910
Revenue	51,598	42,922	35,270	37,764	33,197
Revenue Growth (YoY)	20.21%	21.70%	-6.60%	13.76%	-
Salaries and Employee Benefits	20,694	20,885	19,442	15,444	14,786
Occupancy Expenses	-	3,289	3,197	3,160	2,835
Selling, General & Administrative	-	1,092	946.35	1,074	488.41
Other Non-Interest Expense	13,381	7,497	5,730	4,957	4,697
Total Non-Interest Expense	34,075	32,764	29,316	24,634	22,806
EBT Excluding Unusual Items	17,523	10,158	5,954	13,130	10,391
Pretax Income	17,523	10,158	5,954	13,130	10,391
Income Tax Expense	4,304	-	-	-	-
Net Income	13,219	10,158	5,954	13,130	10,391
Net Income to Common	13,219	10,158	5,954	13,130	10,391
Net Income Growth	30.13%	70.61%	-54.65%	26.37%	-
Basic Shares Outstanding	7,107	6,781	6,778	6,778	4,060
Diluted Shares Outstanding	7,107	6,781	6,778	6,778	4,060
Shares Change (YoY)	4.81%	0.05%	-	66.94%	430.52%
EPS (Basic)	1.86	1.50	0.88	1.94	2.56
EPS (Diluted)	1.86	1.50	0.88	1.94	2.56
EPS Growth	24.17%	70.52%	-54.65%	-24.30%	-
Dividend Per Share	0.390	0.070	0.200	0.480	0.310
Dividend Growth	457.14%	-65.00%	-58.33%	54.84%	-
Effective Tax Rate	24.56%	-	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.