Punjab & Sind Bank Cash Flow 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
Net Income	13,219	10,158	5,954	13,130	10,391
Depreciation & Amortization	1,770	1,451	1,501	1,483	1,371
Gain (Loss) on Sale of Assets	1.6	1.98	-4.4	-21.5	1.58
Gain (Loss) on Sale of Investments	1,149	-	-	-	-
Provision for Credit Losses	-	2,612	996.6	-5,147	60.2
Change in Other Net Operating Assets	-204,695	-114,475	-90,394	-76,634	-145,801
Other Operating Activities	9,074	-26,329	1,970	6,188	13,704
Operating Cash Flow	-179,481	-126,580	-79,977	-61,001	-120,274
Capital Expenditures	-2,408	-1,674	-2,291	-903.1	-1,206
Sale of Property, Plant and Equipment	-	-	-	21.5	-
Other Investing Activities	-1.6	-1.98	4.4	-	-1.58
Investing Cash Flow	-2,409	-1,676	-2,286	-881.6	-1,208
Long-Term Debt Issued	-	30,000	-	-	-
Long-Term Debt Repaid	-	-	-	-10,000	-3,000
Net Debt Issued (Repaid)	-	30,000	-	-10,000	-3,000
Issuance of Common Stock	-	12,194	-	-	46,000
Common Dividends Paid	-496.7	-1,356	-3,253	-2,101	-
Net Increase (Decrease) in Deposit Accounts	160,550	103,645	97,441	75,285	60,288
Other Financing Activities	-3,371	-1,857	-1,061	-1,216	-2,319
Financing Cash Flow	156,682	142,626	93,126	61,968	100,970
Net Cash Flow	-25,208	14,371	10,863	85	-20,512
Free Cash Flow	-181,888	-128,254	-82,267	-61,904	-121,480
Free Cash Flow Margin	-352.51%	-298.81%	-233.25%	-163.92%	-365.94%
Free Cash Flow Per Share	-25.59	-18.91	-12.14	-9.13	-29.92
Cash Interest Paid	3,378	1,707	1,061	1,166	2,314
Cash Income Tax Paid	2,813	-6,619	3,425	1,494	-8,540