PUNJAB & SIND BANK
Quarterly Results Analysis [Dec2023]
PUNJAB & SIND BANK Quarterly Results
Standalone | Dec2023 Audited |
Sep2023 UnAudited |
Jun2023 UnAudited |
Mar2023 Audited |
Dec2022 UnAudited |
Sep2022 UnAudited |
Jun2022 UnAudited |
Mar2022 Audited |
---|---|---|---|---|---|---|---|---|
Interest Earned | ₹2,491 Cr | ₹2,406 Cr | ₹2,316 Cr | ₹2,105 Cr | ₹2,107 Cr | ₹1,980 Cr | ₹1,800 Cr | ₹1,793 Cr |
Other Income | ₹362 Cr | ₹268 Cr | ₹179 Cr | ₹547 Cr | ₹138 Cr | ₹140 Cr | ₹115 Cr | ₹215 Cr |
Interest Expended | ₹1,752 Cr | ₹1,731 Cr | ₹1,578 Cr | ₹1,421 Cr | ₹1,302 Cr | ₹1,205 Cr | ₹1,091 Cr | ₹1,096 Cr |
Expenses | ₹824 Cr | ₹683 Cr | ₹659 Cr | ₹695 Cr | ₹598 Cr | ₹598 Cr | ₹572 Cr | ₹595 Cr |
Operating Income | ₹277 Cr | ₹260 Cr | ₹257 Cr | ₹536 Cr | ₹344 Cr | ₹318 Cr | ₹252 Cr | ₹317 Cr |
Provisions and contingencies | ₹96 Cr | ₹-35 Cr | ₹23 Cr | ₹-57 Cr | ₹-207 Cr | ₹125 Cr | ₹-30 Cr | ₹-132 Cr |
Profit Before Tax | ₹181 Cr | ₹295 Cr | ₹234 Cr | ₹593 Cr | ₹552 Cr | ₹193 Cr | ₹282 Cr | ₹449 Cr |
Profit After Tax | ₹114 Cr | ₹189 Cr | ₹153 Cr | ₹457 Cr | ₹373 Cr | ₹278 Cr | ₹205 Cr | ₹346 Cr |
% of Net NPAs | 1.80 | 1.88 | 1.95 | 1.84 | 2.02 | 2.24 | 2.56 | 2.74 |
% of Gross NPAs | 5.70 | 6.23 | 6.80 | 6.97 | 8.36 | 9.67 | 11.34 | 12.17 |
EPS | ₹0.17 | ₹0.28 | ₹0.23 | ₹0.67 | ₹0.55 | ₹0.41 | ₹0.30 | ₹0.51 |
Industry Peers & Returns | 1W | 1M | 1Y |
PUNJAB & SIND BANK | 2.4% | -12.2% | 130.1% |
STATE BANK OF INDIA | 2.3% | -2.6% | 43.1% |
PUNJAB NATIONAL BANK | 6.4% | -3.1% | 156.6% |
BANK OF BARODA | 5% | -2.7% | 59.4% |
UNION BANK OF INDIA | 0.5% | 2.9% | 128.4% |
INDIAN OVERSEAS BANK | 1.2% | -13.5% | 157.5% |
CANARA BANK | 4.3% | -1.4% | 101.8% |
INDIAN BANK | 5.3% | -2.6% | 79.2% |
BANK OF INDIA | -0.3% | -2.4% | 84.8% |
PUNJAB & SIND BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]Net Interest Income | |
---|---|
Q-o-Q | 9.54 % |
Y-o-Y | -8.16 % |
Quarters | Net Interest Income | % Change | |
---|---|---|---|
Dec2023 | ₹739 Cr | 9.54 | |
Sep2023 | ₹675 Cr | -8.50 | |
Jun2023 | ₹738 Cr | 7.87 | |
Mar2023 | ₹684 Cr | -15.06 | |
Dec2022 | ₹805 Cr | 3.85 | |
Sep2022 | ₹775 Cr | 9.26 | |
Jun2022 | ₹709 Cr | 1.71 | |
Mar2022 | ₹698 Cr | - |
PUNJAB & SIND BANK Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | 6.43 % |
Y-o-Y | -19.56 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Dec2023 | ₹277 Cr | 6.43 | |
Sep2023 | ₹260 Cr | 1.13 | |
Jun2023 | ₹257 Cr | -51.99 | |
Mar2023 | ₹536 Cr | 55.67 | |
Dec2022 | ₹344 Cr | 8.41 | |
Sep2022 | ₹318 Cr | 26.06 | |
Jun2022 | ₹252 Cr | -20.64 | |
Mar2022 | ₹317 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | -2.83 % |
Y-o-Y | -12.39 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Dec2023 | 37.47% | -2.83 | |
Sep2023 | 38.56% | 10.52 | |
Jun2023 | 34.89% | -55.49 | |
Mar2023 | 78.39% | 83.28 | |
Dec2022 | 42.77% | 4.37 | |
Sep2022 | 40.98% | 15.37 | |
Jun2022 | 35.52% | -21.95 | |
Mar2022 | 45.51% | - |
PUNJAB & SIND BANK Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | -39.55 % |
Y-o-Y | -69.37 % |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Dec2023 | ₹114 Cr | -39.55 | |
Sep2023 | ₹189 Cr | 23.86 | |
Jun2023 | ₹153 Cr | -66.59 | |
Mar2023 | ₹457 Cr | 22.44 | |
Dec2022 | ₹373 Cr | 34.21 | |
Sep2022 | ₹278 Cr | 35.86 | |
Jun2022 | ₹205 Cr | -40.86 | |
Mar2022 | ₹346 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | -41.60 % |
Y-o-Y | -74.08 % |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Dec2023 | 4.59 % | -41.60 | |
Sep2023 | 7.86 % | 19.27 | |
Jun2023 | 6.59 % | -69.65 | |
Mar2023 | 21.71 % | 22.59 | |
Dec2022 | 17.71 % | 26.05 | |
Sep2022 | 14.05 % | 23.57 | |
Jun2022 | 11.37 % | -41.09 | |
Mar2022 | 19.3 % | - |
PUNJAB & SIND BANK Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | -39.29 % |
Y-o-Y | -69.09 % |
Quarters | EPS | % Change | |
---|---|---|---|
Dec2023 | ₹0.17 | -39.29 | |
Sep2023 | ₹0.28 | 21.74 | |
Jun2023 | ₹0.23 | -65.67 | |
Mar2023 | ₹0.67 | 21.82 | |
Dec2022 | ₹0.55 | 34.15 | |
Sep2022 | ₹0.41 | 36.67 | |
Jun2022 | ₹0.3 | -41.18 | |
Mar2022 | ₹0.51 | - |
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