PSB Financial Statements

PSB Half Yearly 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-2022 Mar-2021 Mar-2020 Mar-2019
Total cash & equivalents 6,288 8,339 9,578 6,618
Investments 42,281 32,023 24,552 26,173
Advances 63,627 60,942 58,412 69,176
Total int-earning assets 112,196 101,304 92,542 101,967
Fixed assets 1,577 1,585 1,241 1,230
Other assets 7,385 7,680 6,813 5,867
Total assets 121,158 110,568 100,596 109,064
Net worth 14,011 8,363 5,596 5,701
Deposits 102,137 96,108 89,668 98,558
Borrowings 2,444 2,644 3,213 2,714
Total int-bearing liabs 104,581 98,752 92,881 101,272
Non-int-bearing liabs 2,567 3,454 2,119 2,091
Total liabilities 107,147 102,205 94,999 103,363
Equity + Total liabilities 121,158 110,568 100,596 109,064
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Particulars ( Rupees In Crores.) Mar-2022 Sep-2021 Mar-2021 Sep-2020
Interest Earned 3,664 3,431 3,374 3,600
Other Income 541 418 582 322
Total Income 4,206 3,849 3,956 3,922
Operating Expenses ** 3,400 3,325 3,609 3,496
Operating Profit Before Prov. & Cont. 806 524 346 426
Provisions & Contingencies 50.70 92.70 2,962 1,215
Depreciation -- -- -- --
Provision For Taxes 108 39.50 (400) (271)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 647 392 (2,215) (518)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 647 392 (2,215) (518)
EPS (Unit Curr.) 0.95 0.97 -- (7.40)
EPS (Adj) (Unit Curr.) 0.95 0.97 -- (7.40)
Calculated EPS (Unit Curr.)  0.95 0.97 (5.50) (7.40)
Calculated EPS (Adj) (Unit Curr.) 0.95 0.97 (5.50) (7.40)
Calculated EPS (Ann.) (Unit Curr.)  1.91 1.94 (11) (15)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.91 1.94 (11) (15)
Book Value (Unit Curr.) -- 13.20 -- 30.40
Dividend (%) -- -- -- --
Equity 6,778 4,053 4,053 701
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  118,735,354 118,735,354 118,735,354 118,735,354
Public Shareholding (% in Equity) 1.75 2.93 2.93 16.90
(%) of shares held by GOI -- 97.10 -- 83.10
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares 6,659,051,093 3,933,932,610 3,933,932,610 582,317,742
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 98.30 97.10 97.10 83.10
PBIDTM(%) 80.90 77.70 (10) 46.10
PBDTM(%) 20.60 12.60 (78) (22)
PATM(%) 17.70 11.40 (66) (14)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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