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Financials Ratios
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Punjab & Sind Bank
BSE CODE: 533295   |   NSE CODE: PSB   |   ISIN CODE : INE608A01012   |   14-Aug-2025 Hrs IST
BSE NSE
Rs. 28.14
-0.05 ( -0.18% )
 
Prev Close ( Rs.)
28.19
Open ( Rs.)
28.02
 
High ( Rs.)
28.37
Low ( Rs.)
27.95
 
Volume
94496
Week Avg.Volume
158612
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 28.09
-0.04 ( -0.14% )
 
Prev Close ( Rs.)
28.13
Open ( Rs.)
28.10
 
High ( Rs.)
28.35
Low ( Rs.)
27.95
 
Volume
336162
Week Avg.Volume
851763
 
52 WK High-Low Range(Rs.)
25.22
62
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)1.43  0.88  1.94  1.53  -6.74  
   DPS(Rs)0.07  0.20  0.48  0.31  0.00  
   Book NAV/Share(Rs)17.32  21.34  20.95  19.31  18.37  
Margin Ratios          
   Yield on Advances11.80  11.72  10.40  11.15  11.44  
   Yield on Investments7.55  5.56  5.49  5.74  7.15  
   Cost of Liabilities5.35  5.30  4.23  4.25  4.77  
   NIM2.47  2.03  2.32  2.36  2.23  
   Interest Spread6.45  6.41  6.18  6.90  6.67  
Performance Ratios          
   ROA(%)0.66  0.42  1.02  0.90  -2.59  
   ROE(%)7.59  4.15  9.62  10.12  -45.11  
   ROCE(%)7.40  5.98  9.47  10.37  -31.74  
Efficiency Ratios          
   Cost Income Ratio61.23  72.16  62.95  63.16  75.61  
   Core Cost Income Ratio65.83  72.36  62.72  68.28  87.05  
   Operating Costs to Assets2.02  1.99  1.81  1.88  2.17  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)30.39  68.00  13.26  10.08  0.00  
   PCE(x)26.59  54.31  11.91  8.90  -2.71  
   Price/Book(x)2.51  2.80  1.23  0.80  0.96  
   Yield(%)0.16  0.33  1.87  2.01  0.00  
   EV/Net Sales(x)3.93  5.18  3.31  1.82  1.40  
   EV/Core EBITDA(x)21.74  44.44  18.22  9.71  12.66  
   EV/EBIT(x)4.99  6.45  3.98  2.29  7.48  
   EV/CE(x)1.70  2.07  1.14  0.11  0.09  
   M Cap / Sales2.69  4.18  2.18  1.48  1.02  
Growth Ratio          
   Core Operating Income Growth33.18  -4.45  12.15  17.22  9.93  
   Operating Profit Growth-7.51  -74.02  -4.35  59.86  -9.76  
   Net Profit Growth70.61  -54.65  26.37  138.02  -175.83  
   BVPS Growth-18.84  1.91  8.45  5.14  -72.44  
   Advances Growth17.60  7.70  20.73  4.41  4.33  
   EPS Growth(%)62.96  -54.65  26.37  122.73  52.29  
Liquidity Ratios          
   Loans/Deposits(x)0.11  0.08  0.08  0.02  0.03  
   Cash / Deposits(x)0.07  0.06  0.06  0.06  0.08  
   Investment / Deposits(x)0.36  0.42  0.41  0.41  0.33  
   IncLoan / Deposits(x)10.96  8.18  8.22  2.39  2.75  
   Credit/Deposits(%)74.98  69.29  70.05  62.30  63.41  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.96  1.63  1.84  2.74  4.04