Punjab & Sind Bank (NSE:PSB)

Punjab & Sind Bank Income Statement

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

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	126,171	119,815	114,813	96,940	79,927	70,958
Interest Paid on Deposits	85,193	81,701	76,976	68,529	50,194	44,445
Net Interest Income	41,606	38,114	37,837	28,410	29,734	26,513
Net Interest Income Growth	6.38%	0.73%	33.18%	-4.45%	12.15%	17.21%
Gain (Loss) on Sale of Assets	-1.58	-1.58	-1.98	4.4	21.54	-1.58
Gain (Loss) on Sale of Investments	2,912	2,912	3,746	113.91	-141.78	2,707
Other Non-Interest Income	13,280	14,868	11,932	12,096	9,520	6,889
Total Non-Interest Income	16,190	17,778	15,677	12,215	9,400	9,594
Non-Interest Income Growth	-12.87%	13.41%	28.34%	29.95%	-2.02%	6.17%
Revenues Before Loan Losses	57,796	55,892	53,513	40,625	39,133	36,107
Provision for Loan Losses	6,412	8,598	10,591	5,355	1,369	2,910
Revenue	51,384	47,294	42,922	35,270	37,764	33,197
Revenue Growth	11.72%	10.19%	21.70%	-6.60%	13.76%	-
Salaries and Employee Benefits	20,503	20,693	20,885	19,442	15,444	14,786
Occupancy Expenses	3,976	3,976	3,289	3,197	3,160	2,835
Selling, General & Administrative	1,239	1,239	1,092	946.35	1,074	488.41
Other Non-Interest Expense	9,082	8,166	7,497	5,730	4,957	4,697
Total Non-Interest Expense	34,801	34,075	32,764	29,316	24,634	22,806
EBT Excluding Unusual Items	16,584	13,219	10,158	5,954	13,130	10,391
Pretax Income	16,584	13,219	10,158	5,954	13,130	10,391
Income Tax Expense	1,566	-	-	-	-	-
Net Income	15,017	13,219	10,158	5,954	13,130	10,391
Net Income to Common	15,017	13,219	10,158	5,954	13,130	10,391
Net Income Growth	29.64%	30.13%	70.61%	-54.65%	26.37%	-
Basic Shares Outstanding	7,068	7,096	6,781	6,778	6,778	4,060
Diluted Shares Outstanding	7,068	7,096	6,781	6,778	6,778	4,060
Shares Change	1.66%	4.63%	0.05%	-	66.94%	430.52%
EPS (Basic)	2.12	1.86	1.50	0.88	1.94	2.56
EPS (Diluted)	2.12	1.86	1.50	0.88	1.94	2.56
EPS Growth	27.52%	24.37%	70.52%	-54.65%	-24.30%	-

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Dividend Per Share	-	0.390	0.070	0.200	0.480	0.310
Dividend Growth	-	457.14%	-65.00%	-58.33%	54.84%	-
Effective Tax Rate	9.44%	-	-	-	-	-

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 21, 2026

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