Punjab & Sind Bank Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2024	FY null	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Dec '24 Dec 31, 2024	Mar '24 Mar 31, 2024	Dec '23 Dec 31, 2023	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2016 - 2020
Net Income	-	5,954	-	13,130	10,391	-27,329	Upgrade
Depreciation & Amortization	-	1,501	-	1,483	1,371	1,021	Upgrade
Gain (Loss) on Sale of Assets	-	-4.4	-	-21.5	1.58	0.1	Upgrade
Provision for Credit Losses	-	996.6	-	-5,147	60.2	41,037	Upgrade
Change in Other Net Operating Assets	-	-90,394	-	-76,634	-145,801	-131,833	Upgrade
Other Operating Activities	-	1,995	-	6,188	13,704	-5,779	Upgrade
Operating Cash Flow	-	-79,952	-	-61,001	-120,274	-122,883	Upgrade
Capital Expenditures	-	-2,291	-	-903.1	-1,206	-4,462	Upgrade
Sale of Property, Plant and Equipment	-	4.4	-	21.5	-	-	Upgrade
Other Investing Activities	-	-	-	-	-1.58	-0.1	Upgrade
Investing Cash Flow	-	-2,286	-	-881.6	-1,208	-4,462	Upgrade
Long-Term Debt Repaid	-	-	-	-10,000	-3,000	-2,000	Upgrade
Net Debt Issued (Repaid)	-	-	-	-10,000	-3,000	-2,000	Upgrade
Issuance of Common Stock	-	-	-	-	46,000	55,000	Upgrade
Common Dividends Paid	-	-3,253	-	-2,101	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	97,441	-	75,285	60,288	64,406	Upgrade
Other Financing Activities	-	-1,086	-	-1,216	-2,319	-2,449	Upgrade
Financing Cash Flow	-	93,101	-	61,968	100,970	114,957	Upgrade
Net Cash Flow	-	10,863	-	85	-20,512	-12,388	Upgrade
Free Cash Flow	-	-82,243	-	-61,904	-121,480	-127,345	Upgrade
Free Cash Flow Margin	-	-233.18%	-	-163.92%	-365.94%	-	Upgrade
Free Cash Flow Per Share	-	-12.13	-	-9.13	-29.92	-166.40	Upgrade
Cash Interest Paid	-	1,061	-	1,166	2,314	2,444	Upgrade
Cash Income Tax Paid	-	3,425	-	1,494	-8,540	2,236	Upgrade

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