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 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 17-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third 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 Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 17-01-2026   13:30:00
End date and time of board meeting 17-01-2026   14:30:00
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 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

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
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 2,19,827.00 6,40,266.00
Income on investments 82,770.00 2,48,159.00
Interest on balances with reserve bank of India and other inter bank funds 417.00 1,231.00
Others 1,184.00 5,495.00
Total interest earned 3,04,198.00 8,95,151.00
2 Other income 50,729.00 1,35,043.00
3 Total income 3,54,927.00 10,30,194.00
Expenses
4 Interest expenses 2,05,581.00 6,11,490.00
5 Operating expenses
(i) Employees cost 55,981.00 1,57,301.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent Taxes & Lighting 4,062.00 11,707.00
2 Printing & Stationery 315.00 990.00
3 Advertisement & Publicity 575.00 1,334.00
4 Depreciation 5,326.00 13,412.00
5 Auditor's Fee 353.00 1,039.00
6 Law Charges 376.00 1,307.00
7 Postage Telegram Telex 1,761.00 4,703.00
8 Repair & Maintenance 1,446.00 4,144.00
9 Insurance & G. Fee 4,039.00 13,005.00
10 Other Expenses 15,684.00 45,818.00
Total other operating Expenses 33,937.00 97,459.00
Total Operating Expenses 89,918.00 2,54,760.00
6 Total expenditure excluding provisions and contingencies 2,95,499.00 8,66,250.00
7 Operating profit before provision and contingencies 59,428.00 1,63,944.00
8 Provisions other than tax and contingencies 13,781.00 50,256.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 45,647.00 1,13,688.00
11 Provision for Tax 12,005.00 23,678.00
12 Net profit (loss) from ordinary activities after tax 33,642.00 90,010.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 33,642.00 90,010.00
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 33,642.00 90,010.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 7,09,559.00 7,09,559.00
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 93.8500 93.8500
(ii) Capital adequacy ratio
CET 1 ratio 15.2800 15.2800
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.47 1.27
Diluted earnings per share before extraordinary items 0.47 1.27
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.47 1.27
Diluted earnings per share after extraordinary items 0.47 1.27
(iv) NPA Ratios
Amount of gross non-performing assets 2,87,084.00 2,87,084.00
Amount of net non-performing assets 79,593.00 79,593.00
% of gross NPAs 2.600 2.600
% of net NPAs 0.7400 0.7400
Return on assets 0.7900 0.7300
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
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 89,380.00 2,81,771.00
2 Corporate/Wholesale Banking 1,04,864.00 3,17,432.00
3 Retail Banking 1,59,789.00 4,28,626.00
4 Other Banking Operations 894.00 2,365.00
Total Segment Revenue 3,54,927.00 10,30,194.00
Less: Inter segment revenue 0.00 0.00
Income from operations 3,54,927.00 10,30,194.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 19,323.00 70,620.00
2 Corporate/Wholesale Banking 26,965.00 59,602.00
3 Retail Banking 39,204.00 80,480.00
4 Other Banking Operations 894.00 2,365.00
Total Profit before tax 86,386.00 2,13,067.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 26,958.00 49,123.00
Profit before tax 59,428.00 1,63,944.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 49,84,416.00 49,84,416.00
2 Corporate/Wholesale Banking 50,25,316.00 50,25,316.00
3 Retail Banking 67,85,650.00 67,85,650.00
4 Other Banking Operations 0.00 0.00
Total Segment Assets 1,67,95,382.00 1,67,95,382.00
Un-allocable Assets 2,77,985.00 2,77,985.00
Net Segment Assets 1,70,73,367.00 1,70,73,367.00
4 Segment Liabilities
Segment Liabilities
1 Treasury 46,52,481.00 46,52,481.00
2 Corporate/Wholesale Banking 46,90,657.00 46,90,657.00
3 Retail Banking 63,33,763.00 63,33,763.00
4 Other Banking Operations 0.00 0.00
Total Segment Liabilities 1,56,76,901.00 1,56,76,901.00
Un-allocable Liabilities 4,022.00 4,022.00
Net Segment Liabilities 1,56,80,923.00 1,56,80,923.00
Disclosure of notes on segments