PSB Financial Statements

PSB Annual Results

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income (0.80) 29.60 3.62 (1.20)
Total op income 3.13 25.90 2.93 0.62
Op profit (pre-provision) (2.20) 63.80 (3.10) (15)
Net profit (40) 177 (60) (11)
Advances (8.70) 0.07 11.60 11.30
Deposits (6.30) 3.65 2.07 19.50
Total assets (5.70) 4.84 3.41 17.60
Profitability Ratios (%)        
NIM -- 2.22 1.80 1.88
Non-int inc/Total inc 21.10 18 20.30 20.90
Return on Avg Equity 3.32 5.81 2.29 6.25
Return on Avg Assets 0.20 0.34 0.13 0.34
Per share ratios ()        
EPS 5.02 8.39 3.03 9.78
Adj.BVPS -- -- -- --
DPS -- 1.65 0.60 2.20
Other key ratios (%)        
Credit/Deposits 0.68 0.70 0.73 0.66
Cost/Income 108 104 107 114
CASA -- -- -- --
CAR 11.10 10.90 11.20 11
Tier-I capital 9.14 9.29 8.48 7.27
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 1.62 1.21 1.04 1.02
Net NPLs/Net loans -- -- -- --
Tax rate 0.25 0.48 0.22 (0.20)
Dividend yield -- 4.76 1.31 4.88
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 8,173 8,744 8,589 7,973
Interest expense (6,014) (6,569) (6,909) (6,352)
Net interest income 2,159 2,176 1,679 1,621
Non-interest income 578 478 429 427
Total op income 2,737 2,654 2,108 2,048
Total op expenses (1,496) (1,384) (1,332) (1,247)
Op profit (pre-prov) 1,242 1,270 775 801
Provisions (991) (771) (627) (554)
Exceptionals -- -- -- --
Profit before tax 250 498 148 246
Taxes (49) (162) (27) 54.30
Net profit 201 336 121 301
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 8,339 9,578 6,618 7,133
Investments 32,023 24,552 26,173 32,982
Advances 60,942 58,412 69,176 66,569
Total int-earning assets 101,304 92,542 101,967 106,684
Fixed assets 1,585 1,241 1,230 1,083
Other assets 7,680 6,813 5,867 6,056
Total assets 110,568 100,596 109,064 113,823
Net worth 8,363 5,596 5,701 6,183
Deposits 96,108 89,668 98,558 101,726
Borrowings 2,644 3,213 2,714 3,683
Total int-bearing liabs 98,752 92,881 101,272 105,409
Non-int-bearing liabs 3,454 2,119 2,091 2,231
Total liabilities 102,205 94,999 103,363 107,640
Equity + Total liabilities 110,568 100,596 109,064 113,823
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Particulars ( Rupees In Crores.) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Interest Earned 6,974 7,930 8,559 7,949
Other Income 779 897 828 581
Total Income 7,753 8,827 9,387 8,530
Operating Expenses ** 7,106 7,730 7,990 7,385
Operating Profit Before Prov. & Cont. 647 1,097 1,397 1,145
Provisions & Contingencies 4,051 2,619 2,256 1,740
Depreciation -- -- -- --
Provision For Taxes (671) (532) (315) 149
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit (2,733) (991) (543) (744)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (2,733) (991) (543) (744)
EPS (Unit Curr.) (36) (16) (9.60) (18)
EPS (Adj) (Unit Curr.) (36) (16) (9.60) (18)
Calculated EPS (Unit Curr.)  (6.70) (14) (9.60) (13)
Calculated EPS (Adj) (Unit Curr.) (6.70) (14) (9.60) (13)
Calculated EPS (Ann.) (Unit Curr.)  (6.70) (14) (9.60) (13)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (6.70) (14) (9.60) (13)
Book Value (Unit Curr.) 12.70 -- 64.70 --
Dividend (%) -- -- -- --
Equity 4,053 701 565 565
Reserve & Surplus  3,392 3,971 4,207 4,771
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  118,735,354 118,735,354 81,588,252 81,588,252
Public Shareholding (% in Equity) 2.93 16.90 14.40 14.40
(%) of shares held by GOI 97.10 83.10 85.60 85.60
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares 3,933,932,610 582,317,742 483,324,032 483,324,032
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 97.10 83.10 85.60 85.60
PBIDTM(%) 18.80 54.90 63.30 64.40
PBDTM(%) (49) (19) (10) (7.50)
PATM(%) (39) (12) (6.40) (9.40)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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