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 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 18-07-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
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 18-07-2026   13:30:00
End date and time of board meeting 18-07-2026   16:35:00
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 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
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 2,34,917.00 2,34,917.00
Income on investments 84,723.00 84,723.00
Interest on balances with reserve bank of India and other inter bank funds 521.00 521.00
Others 1,176.00 1,176.00
Total interest earned 3,21,337.00 3,21,337.00
2 Other income 33,235.00 33,235.00
3 Total income 3,54,572.00 3,54,572.00
Expenses
4 Interest expenses 2,17,467.00 2,17,467.00
5 Operating expenses
(i) Employees cost 49,508.00 49,508.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Rent Taxes & Lighting 4,152.00 4,152.00
2 Printing & Stationery 316.00 316.00
3 Advertisement & Publicity 349.00 349.00
4 Depreciation 4,818.00 4,818.00
5 Auditor's Fee 436.00 436.00
6 Law Charges 529.00 529.00
7 Postage Telegram Telex 2,487.00 2,487.00
8 Repair & Maintenance 1,219.00 1,219.00
9 Insurance & G. Fee 2,905.00 2,905.00
10 Other Expenses 15,838.00 15,838.00
Total other operating Expenses 33,049.00 33,049.00
Total Operating Expenses 82,557.00 82,557.00
6 Total expenditure excluding provisions and contingencies 3,00,024.00 3,00,024.00
7 Operating profit before provision and contingencies 54,548.00 54,548.00
8 Provisions other than tax and contingencies 9,399.00 9,399.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 45,149.00 45,149.00
11 Provision for Tax 11,998.00 11,998.00
12 Net profit (loss) from ordinary activities after tax 33,151.00 33,151.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 33,151.00 33,151.00
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 33,151.00 33,151.00
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 16.5600 16.5600
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.47 0.47
Diluted earnings per share before extraordinary items 0.47 0.47
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.47 0.47
Diluted earnings per share after extraordinary items 0.47 0.47
(iv) NPA Ratios
Amount of gross non-performing assets 2,63,695.00 2,63,695.00
Amount of net non-performing assets 76,586.00 76,586.00
% of gross NPAs 2.2100 2.2100
% of net NPAs 0.6500 0.6500
Return on assets 0.7300 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 01-04-2026 01-04-2026
Date of end of reporting period 30-06-2026 30-06-2026
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 92,756.00 92,756.00
2 Corporate/Wholesale Banking 1,04,367.00 1,04,367.00
3 Retail Banking 1,56,672.00 1,56,672.00
4 Other Banking Operations 777.00 777.00
Total Segment Revenue 3,54,572.00 3,54,572.00
Less: Inter segment revenue 0.00 0.00
Income from operations 3,54,572.00 3,54,572.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 22,261.00 22,261.00
2 Corporate/Wholesale Banking 16,135.00 16,135.00
3 Retail Banking 24,220.00 24,220.00
4 Other Banking Operations 777.00 777.00
Total Profit before tax 63,393.00 63,393.00
i. Finance cost 0.00 0.00
ii. Other Unallocable Expenditure net off Unallocable income 8,845.00 8,845.00
Profit before tax 54,548.00 54,548.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 51,00,760.00 51,00,760.00
2 Corporate/Wholesale Banking 51,26,478.00 51,26,478.00
3 Retail Banking 76,95,736.00 76,95,736.00
4 Other Banking Operations 0.00 0.00
Total Segment Assets 1,79,22,974.00 1,79,22,974.00
Un-allocable Assets 2,47,089.00 2,47,089.00
Net Segment Assets 1,81,70,063.00 1,81,70,063.00
4 Segment Liabilities
Segment Liabilities
1 Treasury 47,54,044.00 47,54,044.00
2 Corporate/Wholesale Banking 47,78,015.00 47,78,015.00
3 Retail Banking 71,72,632.00 71,72,632.00
4 Other Banking Operations 0.00 0.00
Total Segment Liabilities 1,67,04,691.00 1,67,04,691.00
Un-allocable Liabilities 2,045.00 2,045.00
Net Segment Liabilities 1,67,06,736.00 1,67,06,736.00
Disclosure of notes on segments