Punjab & Sind Bank Cash Flow Statement

Financials in millions INR. Fiscal year is January - December.

Millions INR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2024	FY 2023	FY 2022	2021 - 2017
Period Ending	Dec '24 Dec 31, 2024	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	2021 - 2017
Net Income	-	-	5,954	-	13,130	10,391	Upgrade
Depreciation & Amortization	-	-	1,501	-	1,483	1,371	Upgrade
Gain (Loss) on Sale of Assets	-	-	-4.4	-	-21.5	1.58	Upgrade
Provision for Credit Losses	-	-	996.6	-	-5,147	60.2	Upgrade
Change in Other Net Operating Assets	-	-	-90,394	-	-76,634	-145,801	Upgrade
Other Operating Activities	-	-	1,995	-	6,188	13,704	Upgrade
Operating Cash Flow	-	-	-79,952	-	-61,001	-120,274	Upgrade
Capital Expenditures	-	-	-2,291	-	-903.1	-1,206	Upgrade
Sale of Property, Plant and Equipment	-	-	4.4	-	21.5	-	Upgrade
Other Investing Activities	-	-	-	-	-	-1.58	Upgrade
Investing Cash Flow	-	-	-2,286	-	-881.6	-1,208	Upgrade
Long-Term Debt Repaid	-	-	-	-	-10,000	-3,000	Upgrade
Net Debt Issued (Repaid)	-	-	-	-	-10,000	-3,000	Upgrade
Issuance of Common Stock	-	-	-	-	-	46,000	Upgrade
Common Dividends Paid	-	-	-3,253	-	-2,101	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-	-	97,441	-	75,285	60,288	Upgrade
Other Financing Activities	-	-	-1,086	-	-1,216	-2,319	Upgrade
Financing Cash Flow	-	-	93,101	-	61,968	100,970	Upgrade
Net Cash Flow	-	-	10,863	-	85	-20,512	Upgrade
Free Cash Flow	-	-	-82,243	-	-61,904	-121,480	Upgrade
Free Cash Flow Margin	-	-	-233.18%	-	-163.92%	-365.94%	Upgrade
Free Cash Flow Per Share	-	-	-12.13	-	-9.13	-29.92	Upgrade
Cash Interest Paid	-	-	1,061	-	1,166	2,314	Upgrade
Cash Income Tax Paid	-	-	3,425	-	1,494	-8,540	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.