Punjab & Sind Bank (BOM:533295)

Punjab & Sind Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	11,584	10,158	5,954	13,130	10,391	-27,329
Depreciation & Amortization	1,435	1,451	1,501	1,483	1,371	1,021
Gain (Loss) on Sale of Assets	1.88	1.98	-4.4	-21.5	1.58	0.1
Gain (Loss) on Sale of Investments	749.1	-	-	-	-	-
Provision for Credit Losses	2,612	2,612	996.6	-5,147	60.2	41,037
Change in Other Net Operating Assets	-149,014	-114,475	-90,394	-76,634	-145,801	-131,833
Other Operating Activities	-28,745	-26,329	1,970	6,188	13,704	-5,779
Operating Cash Flow	-161,377	-126,580	-79,977	-61,001	-120,274	-122,883
Capital Expenditures	-1,952	-1,674	-2,291	-903.1	-1,206	-4,462
Sale of Property, Plant and Equipment	-	-	-	21.5	-	-
Other Investing Activities	-1.88	-1.98	4.4	-	-1.58	-0.1
Investing Cash Flow	-1,954	-1,676	-2,286	-881.6	-1,208	-4,462
Long-Term Debt Issued	-	30,000	-	-	-	-
Long-Term Debt Repaid	-	-	-	-10,000	-3,000	-2,000
Net Debt Issued (Repaid)	30,000	30,000	-	-10,000	-3,000	-2,000
Issuance of Common Stock	12,194	12,194	-	-	46,000	55,000
Common Dividends Paid	-496.76	-1,356	-3,253	-2,101	-	-
Net Increase (Decrease) in Deposit Accounts	116,815	103,645	97,441	75,285	60,288	64,406
Other Financing Activities	-3,016	-1,857	-1,061	-1,216	-2,319	-2,449
Financing Cash Flow	155,496	142,626	93,126	61,968	100,970	114,957
Net Cash Flow	-7,834	14,371	10,863	85	-20,512	-12,388
Free Cash Flow	-163,329	-128,254	-82,267	-61,904	-121,480	-127,345
Free Cash Flow Margin	-355.10%	-298.81%	-233.25%	-163.92%	-365.94%	-
Free Cash Flow Per Share	-23.49	-18.91	-12.14	-9.13	-29.92	-166.40
Cash Interest Paid	2,873	1,707	1,061	1,166	2,314	2,444
Cash Income Tax Paid	-	-6,619	3,425	1,494	-8,540	2,236

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