Punjab & Sind Bank (NSE:PSB)

Punjab & Sind Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	114,813	96,940	79,927	70,958	69,739
Interest Paid on Deposits	76,976	68,529	50,194	44,445	47,120
Net Interest Income	37,837	28,410	29,734	26,513	22,619
Net Interest Income Growth (YoY)	33.18%	-4.45%	12.15%	17.21%	9.93%
Gain (Loss) on Sale of Assets	-1.98	4.4	21.54	-1.58	-0.1
Gain (Loss) on Sale of Investments	3,746	113.91	-141.78	2,707	4,159
Other Non-Interest Income	11,932	12,096	9,520	6,889	4,877
Total Non-Interest Income	15,677	12,215	9,400	9,594	9,036
Non-Interest Income Growth (YoY)	28.34%	29.95%	-2.02%	6.17%	0.69%
Revenues Before Loan Losses	53,513	40,625	39,133	36,107	31,655
Provision for Loan Losses	10,591	5,355	1,369	2,910	35,049
Revenue	42,922	35,270	37,764	33,197	-3,394
Revenue Growth (YoY)	21.70%	-6.60%	13.76%	-	-
Salaries and Employee Benefits	20,885	19,442	15,444	14,786	16,881
Occupancy Expenses	3,289	3,197	3,160	2,835	2,621
Selling, General & Administrative	1,092	946.35	1,074	488.41	429.49
Other Non-Interest Expense	7,497	5,730	4,957	4,697	4,003
Total Non-Interest Expense	32,764	29,316	24,634	22,806	23,935
EBT Excluding Unusual Items	10,158	5,954	13,130	10,391	-27,329
Pretax Income	10,158	5,954	13,130	10,391	-27,329
Net Income	10,158	5,954	13,130	10,391	-27,329
Net Income to Common	10,158	5,954	13,130	10,391	-27,329
Net Income Growth	70.61%	-54.65%	26.37%	-	-
Basic Shares Outstanding	6,781	6,778	6,778	4,060	765
Diluted Shares Outstanding	6,781	6,778	6,778	4,060	765
Shares Change (YoY)	0.05%	-	66.94%	430.52%	21.69%
EPS (Basic)	1.50	0.88	1.94	2.56	-35.71
EPS (Diluted)	1.50	0.88	1.94	2.56	-35.71
EPS Growth	70.52%	-54.65%	-24.30%	-	-
Dividend Per Share	0.960	0.400	0.480	0.310	-
Dividend Growth	140.00%	-16.67%	54.84%	-	-

Updated Jan 15, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.