INTEGRATED FILING — BANKING



General information about company

Scrip code 533295
NSE Symbol PSB
MSEI Symbol NOTLISTED
ISIN INE608A01012
Name of bank Punjab & Sind Bank
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 19-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 16-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Jul-2025   13:30:00
End date and time of board meeting 19-Jul-2025   14:45:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
We do not have any revolving facilities or unlisted debt securities


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 20556300000 20556300000
Income on investments 8185100000 8185100000
Interest on balances with reserve bank of India and other inter bank funds 47100000 47100000
Others 318100000 318100000
Total interest earned 29106600000 29106600000
2 Other income 4687300000 4687300000
3 Total income 33793900000 33793900000
Expenses
4 Interest expenses 20102500000 20102500000
5 Operating expenses
(i) Employees cost 5237700000 5237700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent Taxes & Lighting 361500000 361500000
2 Printing & Stationery 33400000 33400000
3 Advertisement & Publicity 24900000 24900000
4 Depreciation 368500000 368500000
5 Auditor's Fee 36500000 36500000
6 Law Charges 41300000 41300000
7 Postage Telegram Telex 193900000 193900000
8 Repair & Maintenance 85600000 85600000
9 Insurance & G. Fee 448700000 448700000
10 Other Expenses 1458400000 1458400000
Total other operating Expenses 3052700000 3052700000
Total Operating Expenses 8290400000 8290400000
6 Total expenditure excluding provisions and contingencies 28392900000 28392900000
7 Operating profit before provision and contingencies 5401000000 5401000000
8 Provisions other than tax and contingencies 2170800000 2170800000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3230200000 3230200000
11 Provision for Tax 538600000 538600000
12 Net profit (loss) from ordinary activities after tax 2691600000 2691600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2691600000 2691600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 2691600000 2691600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 70955900000 70955900000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 93.85 93.85
(ii) Capital adequacy ratio
CET 1 ratio 16.02 16.02
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.38 0.38
Diluted earnings per share before extraordinary items 0.38 0.38
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.38 0.38
Diluted earnings per share after extraordinary items 0.38 0.38
(iv) NPA Ratios
Amount of gross non-performing assets 33393400000 33393400000
Amount of net non-performing assets 8827200000 8827200000
% of gross NPAs 3.34 3.34
% of net NPAs 0.91 0.91
Return on assets 0.67 0.67
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 10283900000 10283900000
2 Corporate/Wholesale Banking 10783100000 10783100000
3 Retail Banking 12657000000 12657000000
4 Other Banking Operations 69900000 69900000
Total Segment Revenue 33793900000 33793900000
Less: Inter segment revenue 0
Income from operations 33793900000 33793900000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 3338800000 3338800000
2 Corporate/Wholesale Banking 1704000000 1704000000
3 Retail Banking 2000200000 2000200000
4 Other Banking Operations 69900000 69900000
Total Profit before tax 7112900000 7112900000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income 1711900000
Profit before tax 5401000000 5401000000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 489971600000 489971600000
2 Corporate/Wholesale Banking 504747700000 504747700000
3 Retail Banking 592459300000 592459300000
4 Other Banking Operations 0 0
5 Treasury 489971600000 489971600000
6 Corporate/Wholesale Banking 504747700000 504747700000
7 Retail Banking 592459300000 592459300000
8 Other Banking Operations 0 0
Total Segment Assets 1587178600000 1587178600000
Un-allocable Assets 28099000000 28099000000
Net Segment Assets 1615277600000 1615277600000
4 Segment Liabilities
Segment Liabilities
1 Treasury 452662000000 452662000000
2 Corporate/Wholesale Banking 466313000000 466313000000
3 Retail Banking 547345600000 547345600000
4 Other Banking Operations 0 0
5 Treasury 452662000000 452662000000
6 Corporate/Wholesale Banking 466313000000 466313000000
7 Retail Banking 547345600000 547345600000
8 Other Banking Operations 0 0
Total Segment Liabilities 1466320600000 1466320600000
Un-allocable Liabilities 12382100000 12382100000
Net Segment Liabilities 1478702700000 1478702700000
Disclosure of notes on segments