Punjab & Sind Bank
NSE:PSB
Income Statement
Income Statement
Punjab & Sind Bank
| Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
15 604
|
15 176
|
14 877
|
14 766
|
15 011
|
15 191
|
15 639
|
16 284
|
16 410
|
16 985
|
17 014
|
16 667
|
16 206
|
15 891
|
16 455
|
16 723
|
16 792
|
18 013
|
19 099
|
20 380
|
21 758
|
22 199
|
21 687
|
21 204
|
21 593
|
21 640
|
22 415
|
23 300
|
22 352
|
23 801
|
23 894
|
23 234
|
22 797
|
21 366
|
20 406
|
19 831
|
20 575
|
20 272
|
21 313
|
22 711
|
22 619
|
23 037
|
23 074
|
24 487
|
26 513
|
27 818
|
29 398
|
29 872
|
29 734
|
30 015
|
29 012
|
28 355
|
28 410
|
29 535
|
31 515
|
33 510
|
37 837
|
38 340
|
39 112
|
39 586
|
|
| Interest Income |
49 325
|
53 044
|
57 334
|
61 339
|
64 745
|
67 318
|
69 236
|
71 412
|
73 401
|
74 552
|
75 580
|
77 416
|
79 727
|
82 378
|
84 924
|
86 137
|
85 885
|
86 948
|
87 676
|
87 287
|
87 443
|
86 535
|
84 714
|
83 370
|
81 729
|
79 589
|
79 110
|
79 449
|
79 488
|
81 936
|
83 950
|
85 068
|
85 587
|
84 448
|
82 585
|
80 434
|
79 295
|
76 586
|
74 451
|
72 676
|
69 739
|
68 643
|
68 051
|
69 132
|
70 958
|
72 059
|
74 448
|
76 811
|
79 927
|
85 081
|
89 341
|
93 177
|
96 940
|
100 305
|
103 635
|
108 036
|
114 813
|
117 397
|
119 996
|
121 105
|
|
| Interest Expense |
33 721
|
37 868
|
42 457
|
46 573
|
49 734
|
52 126
|
53 597
|
55 128
|
56 991
|
57 567
|
58 566
|
60 750
|
63 521
|
66 486
|
68 469
|
69 413
|
69 094
|
68 935
|
68 577
|
66 907
|
65 686
|
64 336
|
63 026
|
62 166
|
60 135
|
57 949
|
56 696
|
56 149
|
57 136
|
58 135
|
60 056
|
61 834
|
62 790
|
63 083
|
62 179
|
60 603
|
58 720
|
56 314
|
53 138
|
49 965
|
47 120
|
45 606
|
44 977
|
44 645
|
44 445
|
44 241
|
45 050
|
46 939
|
50 194
|
55 066
|
60 328
|
64 822
|
68 529
|
70 769
|
72 120
|
74 527
|
76 976
|
79 057
|
80 884
|
81 518
|
|
| Non Interest Income |
4 370
|
4 431
|
4 106
|
4 120
|
4 174
|
4 097
|
3 923
|
4 037
|
3 942
|
4 297
|
4 162
|
4 213
|
4 273
|
4 146
|
4 377
|
4 106
|
4 288
|
4 155
|
3 936
|
4 268
|
4 785
|
4 921
|
5 743
|
6 061
|
5 781
|
5 756
|
5 863
|
5 731
|
5 812
|
6 098
|
6 512
|
6 979
|
8 283
|
8 440
|
8 435
|
7 985
|
8 974
|
8 848
|
8 750
|
9 580
|
9 028
|
10 976
|
11 028
|
10 542
|
9 594
|
7 047
|
6 407
|
6 075
|
9 400
|
10 035
|
11 315
|
13 556
|
12 215
|
12 366
|
13 273
|
13 038
|
15 677
|
18 426
|
18 581
|
20 272
|
|
| Revenue |
19 974
N/A
|
19 608
-2%
|
18 983
-3%
|
18 886
-1%
|
19 185
+2%
|
19 288
+1%
|
19 562
+1%
|
20 321
+4%
|
20 352
+0%
|
21 282
+5%
|
21 176
0%
|
20 879
-1%
|
20 479
-2%
|
20 037
-2%
|
20 832
+4%
|
20 829
0%
|
21 080
+1%
|
22 168
+5%
|
23 035
+4%
|
24 647
+7%
|
26 543
+8%
|
27 120
+2%
|
27 431
+1%
|
27 265
-1%
|
27 374
+0%
|
27 396
+0%
|
28 278
+3%
|
29 031
+3%
|
28 164
-3%
|
29 899
+6%
|
30 406
+2%
|
30 213
-1%
|
31 080
+3%
|
29 806
-4%
|
28 841
-3%
|
27 815
-4%
|
29 549
+6%
|
29 120
-1%
|
30 062
+3%
|
32 291
+7%
|
31 647
-2%
|
34 013
+7%
|
34 102
+0%
|
35 029
+3%
|
36 107
+3%
|
34 864
-3%
|
35 805
+3%
|
35 947
+0%
|
39 133
+9%
|
40 050
+2%
|
40 327
+1%
|
41 911
+4%
|
40 625
-3%
|
41 902
+3%
|
44 788
+7%
|
46 548
+4%
|
53 513
+15%
|
56 767
+6%
|
57 694
+2%
|
59 858
+4%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(2 439)
|
(2 778)
|
(1 464)
|
(1 136)
|
(1 457)
|
(1 631)
|
(2 461)
|
(3 651)
|
(4 522)
|
(4 049)
|
(5 275)
|
(4 657)
|
(5 542)
|
(6 792)
|
(5 888)
|
(6 083)
|
(5 799)
|
(6 804)
|
(6 999)
|
(7 666)
|
(7 773)
|
(7 461)
|
(8 551)
|
(8 593)
|
(10 160)
|
(10 526)
|
(11 220)
|
(15 348)
|
(16 338)
|
(25 127)
|
(28 116)
|
(24 259)
|
(21 408)
|
(15 648)
|
(19 437)
|
(22 352)
|
(26 268)
|
(26 673)
|
(25 585)
|
(49 889)
|
(41 370)
|
(38 702)
|
(31 572)
|
(2 588)
|
(1 064)
|
(153)
|
105
|
2 443
|
5 381
|
1 166
|
2 765
|
(273)
|
2 524
|
(2 742)
|
(4 599)
|
(4 729)
|
(2 916)
|
(8 511)
|
(8 481)
|
(8 766)
|
|
| Non Interest Expense |
(9 839)
|
(10 761)
|
(10 737)
|
(11 114)
|
(11 585)
|
(11 589)
|
(11 536)
|
(11 284)
|
(10 964)
|
(11 323)
|
(11 521)
|
(12 184)
|
(12 473)
|
(12 399)
|
(12 769)
|
(13 053)
|
(13 800)
|
(13 648)
|
(14 061)
|
(14 302)
|
(13 786)
|
(13 867)
|
(13 772)
|
(13 821)
|
(14 710)
|
(15 217)
|
(15 519)
|
(15 512)
|
(17 775)
|
(17 425)
|
(18 013)
|
(19 010)
|
(18 259)
|
(17 223)
|
(17 256)
|
(17 103)
|
(18 505)
|
(18 587)
|
(19 722)
|
(22 018)
|
(24 320)
|
(24 451)
|
(24 366)
|
(23 371)
|
(23 177)
|
(23 358)
|
(23 611)
|
(23 633)
|
(28 316)
|
(25 497)
|
(26 348)
|
(28 605)
|
(33 779)
|
(30 000)
|
(30 909)
|
(30 599)
|
(37 222)
|
(33 782)
|
(34 238)
|
(35 300)
|
|
| Pre-Tax Income |
7 696
N/A
|
6 069
-21%
|
6 782
+12%
|
6 637
-2%
|
6 143
-7%
|
6 068
-1%
|
5 565
-8%
|
5 386
-3%
|
4 867
-10%
|
5 911
+21%
|
4 381
-26%
|
4 039
-8%
|
2 463
-39%
|
847
-66%
|
2 175
+157%
|
1 693
-22%
|
1 481
-13%
|
1 716
+16%
|
1 974
+15%
|
2 680
+36%
|
4 984
+86%
|
5 791
+16%
|
5 108
-12%
|
4 852
-5%
|
2 505
-48%
|
1 652
-34%
|
1 539
-7%
|
(1 828)
N/A
|
(5 948)
-225%
|
(12 653)
-113%
|
(15 723)
-24%
|
(13 056)
+17%
|
(8 588)
+34%
|
(3 066)
+64%
|
(7 853)
-156%
|
(11 639)
-48%
|
(15 224)
-31%
|
(16 140)
-6%
|
(15 245)
+6%
|
(39 617)
-160%
|
(34 042)
+14%
|
(29 140)
+14%
|
(21 836)
+25%
|
9 070
N/A
|
11 867
+31%
|
11 353
-4%
|
12 300
+8%
|
14 758
+20%
|
16 198
+10%
|
15 719
-3%
|
16 744
+7%
|
13 033
-22%
|
9 370
-28%
|
9 160
-2%
|
9 280
+1%
|
11 220
+21%
|
13 376
+19%
|
14 474
+8%
|
14 974
+3%
|
15 793
+5%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(2 435)
|
(1 682)
|
(2 008)
|
(2 299)
|
(1 630)
|
(1 956)
|
(1 760)
|
(1 760)
|
(1 475)
|
(1 542)
|
(753)
|
(147)
|
543
|
1 157
|
521
|
582
|
(268)
|
(285)
|
(422)
|
(1 004)
|
(1 624)
|
(2 330)
|
(2 271)
|
(1 943)
|
(494)
|
79
|
(290)
|
(280)
|
(1 490)
|
981
|
2 822
|
2 961
|
3 153
|
1 308
|
2 500
|
3 509
|
5 316
|
5 366
|
5 145
|
8 317
|
6 713
|
4 718
|
3 610
|
(533)
|
(1 476)
|
(654)
|
(1 003)
|
(2 736)
|
(3 068)
|
(3 109)
|
(5 024)
|
(3 903)
|
(3 416)
|
(2 917)
|
(2 532)
|
(2 795)
|
(3 217)
|
(3 439)
|
(3 390)
|
(3 664)
|
|
| Income from Continuing Operations |
5 262
|
4 387
|
4 774
|
4 338
|
4 513
|
4 112
|
3 805
|
3 626
|
3 392
|
4 369
|
3 628
|
3 892
|
3 006
|
2 004
|
2 696
|
2 274
|
1 213
|
1 431
|
1 552
|
1 676
|
3 360
|
3 462
|
2 837
|
2 909
|
2 011
|
1 731
|
1 249
|
(2 109)
|
(7 438)
|
(11 672)
|
(12 901)
|
(10 095)
|
(5 435)
|
(1 757)
|
(5 352)
|
(8 131)
|
(9 908)
|
(10 774)
|
(10 100)
|
(31 300)
|
(27 329)
|
(24 422)
|
(18 226)
|
8 537
|
10 391
|
10 699
|
11 297
|
12 021
|
13 130
|
12 610
|
11 720
|
9 131
|
5 954
|
6 242
|
6 747
|
8 424
|
10 158
|
11 035
|
11 584
|
12 129
|
|
| Net Income (Common) |
5 104
N/A
|
4 230
-17%
|
4 617
+9%
|
4 180
-9%
|
4 292
+3%
|
3 892
-9%
|
3 585
-8%
|
3 405
-5%
|
3 175
-7%
|
4 151
+31%
|
3 410
-18%
|
3 675
+8%
|
2 776
-24%
|
1 773
-36%
|
2 465
+39%
|
2 044
-17%
|
1 213
-41%
|
1 431
+18%
|
1 552
+8%
|
1 676
+8%
|
3 360
+100%
|
3 462
+3%
|
2 837
-18%
|
2 909
+3%
|
2 011
-31%
|
1 731
-14%
|
1 249
-28%
|
(2 109)
N/A
|
(7 438)
-253%
|
(11 672)
-57%
|
(12 901)
-11%
|
(10 095)
+22%
|
(5 435)
+46%
|
(1 757)
+68%
|
(5 352)
-205%
|
(8 131)
-52%
|
(9 908)
-22%
|
(10 774)
-9%
|
(10 100)
+6%
|
(31 300)
-210%
|
(27 329)
+13%
|
(24 422)
+11%
|
(18 226)
+25%
|
8 537
N/A
|
10 391
+22%
|
10 699
+3%
|
11 297
+6%
|
12 021
+6%
|
13 130
+9%
|
12 610
-4%
|
11 720
-7%
|
9 131
-22%
|
5 954
-35%
|
6 242
+5%
|
6 747
+8%
|
8 424
+25%
|
10 158
+21%
|
11 035
+9%
|
11 584
+5%
|
12 129
+5%
|
|
| EPS (Diluted) |
26.44
N/A
|
18.94
-28%
|
20.68
+9%
|
18.75
-9%
|
19.23
+3%
|
16.68
-13%
|
15.31
-8%
|
14.55
-5%
|
13.51
-7%
|
16.34
+21%
|
13.41
-18%
|
13.34
-1%
|
10.69
-20%
|
6.45
-40%
|
8.91
+38%
|
5.1
-43%
|
3.59
-30%
|
3.58
0%
|
3.88
+8%
|
4.18
+8%
|
8.39
+101%
|
8.65
+3%
|
7.09
-18%
|
7.27
+3%
|
5.02
-31%
|
4.33
-14%
|
3.12
-28%
|
-5.27
N/A
|
-18.49
-251%
|
-20.66
-12%
|
-22.83
-11%
|
-17.87
+22%
|
-9.62
+46%
|
-3.07
+68%
|
-8.89
-190%
|
-11.59
-30%
|
-15.75
-36%
|
-15.36
+2%
|
-14.39
+6%
|
-44.64
-210%
|
-35.71
+20%
|
-6.02
+83%
|
-4.5
+25%
|
2.1
N/A
|
2.56
+22%
|
1.56
-39%
|
1.66
+6%
|
1.77
+7%
|
1.94
+10%
|
1.89
-3%
|
1.74
-8%
|
1.36
-22%
|
0.88
-35%
|
0.93
+6%
|
1
+8%
|
1.25
+25%
|
1.5
+20%
|
1.55
+3%
|
1.65
+6%
|
1.69
+2%
|
|