See more : M-POWER INFORMATION Co., LTD. (6874.TWO) Income Statement Analysis – Financial Results
Complete financial analysis of Punjab & Sind Bank (PSB.BO) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Punjab & Sind Bank, a leading company in the Banks – Regional industry within the Financial Services sector.
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Punjab & Sind Bank (PSB.BO)
About Punjab & Sind Bank
Punjab & Sind Bank provides various banking and financial products and services in India. The company operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. The company also provides non fund based products, including letter of credit, LC advising/confirming, bank guarantee, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, it offers locker facility, government schemes, and life and general insurance; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. The company was incorporated in 1908 and is headquartered in New Delhi, India.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 35.27B | 38.86B | 36.63B | 78.49B | 88.03B | 93.57B | 85.30B | 87.51B | 92.23B | 14.80B | 14.93B | 14.36B |
| Cost of Revenue | -73.88B | -51.24B | -43.97B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 109.15B | 90.10B | 80.60B | 78.49B | 88.03B | 93.57B | 85.30B | 87.51B | 92.23B | 14.80B | 14.93B | 14.36B |
| Gross Profit Ratio | 309.48% | 231.85% | 220.06% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 297.58M | 278.79M | 225.63M | 251.63M | 231.25M | 386.85M | 407.53M | 401.51M | 448.35M | 421.07M | 370.71M | 309.13M |
| Selling & Marketing | 74.34M | 76.18M | 38.72M | 27.18M | 56.27M | 30.46M | 15.74M | 14.84M | 14.37M | 22.38M | 21.71M | 80.93M |
| SG&A | 371.92M | 354.97M | 264.35M | 278.81M | 287.52M | 14.49B | 14.57B | 13.06B | 12.05B | 11.65B | 11.04B | 9.82B |
| Other Expenses | 36.72B | -7.40B | -6.65B | -5.83B | -6.16B | -5.32B | -4.69B | -4.50B | -4.32B | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 37.09B | 26.53B | 23.34B | 5.83B | 6.16B | 5.32B | 4.69B | 4.50B | 4.32B | 13.32B | 12.47B | 10.96B |
| Cost & Expenses | 37.09B | 74.05B | 70.30B | 112.81B | 103.49B | 102.46B | 91.25B | 85.00B | 87.24B | 13.32B | 12.47B | 10.96B |
| Interest Income | 96.94B | 79.93B | 70.96B | 69.74B | 79.30B | 85.59B | 79.49B | 81.73B | 87.44B | 85.89B | 79.73B | 73.40B |
| Interest Expense | 68.53B | 50.19B | 44.44B | 118.85M | 201.36M | 208.22M | 421.76M | 517.67M | 658.96M | 69.09B | 63.52B | 56.99B |
| Depreciation & Amortization | 1.50B | 1.48B | 1.37B | 1.02B | 539.09M | -147.21M | 641.06M | 424.59M | 457.36M | -1.47B | -2.46B | -3.39B |
| EBITDA | 10.87B | 17.68B | 13.24B | -33.02B | -14.68B | -8.73B | -4.89B | 3.45B | 5.81B | 4.07B | 2.70B | -3.62B |
| EBITDA Ratio | 30.82% | 48.96% | 31.94% | -42.27% | -16.73% | 6.74% | -6.22% | 3.35% | 5.90% | 0.00% | 4.22% | -1.52% |
| Operating Income | 5.95B | 17.54B | 10.33B | -34.20B | -15.26B | -8.59B | -5.95B | 2.50B | 4.98B | 1.47B | 2.46B | 3.39B |
| Operating Income Ratio | 16.88% | 45.14% | 28.20% | -43.57% | -17.34% | -9.18% | -6.97% | 2.86% | 5.40% | 9.96% | 16.47% | 23.63% |
| Total Other Income/Expenses | 3.42B | 4.62B | 2.32B | -1.02B | -539.09M | -62.64B | -1.06B | 0.00 | 0.00 | -2.60B | 0.00 | -57.22B |
| Income Before Tax | 9.37B | 17.75B | 12.71B | -34.04B | -15.22B | -8.59B | -5.95B | 2.50B | 4.98B | 1.47B | 2.46B | 3.39B |
| Income Before Tax Ratio | 26.57% | 45.69% | 34.70% | -43.37% | -17.29% | -9.18% | -6.97% | 2.86% | 5.40% | 9.96% | 16.47% | 23.63% |
| Income Tax Expense | 3.42B | 4.62B | 2.32B | -6.71B | -5.32B | -3.15B | 1.49B | 493.90M | 1.62B | 259.70M | 312.74M | 0.00 |
| Net Income | 5.95B | 13.13B | 10.39B | -27.33B | -9.91B | -5.43B | -7.44B | 2.01B | 3.36B | 1.21B | 2.78B | 3.17B |
| Net Income Ratio | 16.88% | 33.79% | 28.37% | -34.82% | -11.26% | -5.81% | -8.72% | 2.30% | 3.64% | 8.20% | 18.59% | 22.11% |
| EPS | 0.88 | 1.94 | 2.56 | -4.12 | -1.49 | -0.82 | -18.49 | 5.02 | 8.39 | 3.59 | 10.69 | 13.49 |
| EPS Diluted | 0.88 | 1.94 | 2.56 | -4.12 | -1.49 | -0.82 | -18.49 | 5.02 | 8.39 | 3.59 | 10.69 | 13.49 |
| Weighted Avg Shares Out | 6.77B | 6.78B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B |
| Weighted Avg Shares Out (Dil) | 6.78B | 6.78B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B | 6.64B |
Source: https://incomestatements.info
Category: Stock Reports