| Key Financial Ratios of Punjab and Sind Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
1.50 |
0.88 |
1.94 |
2.56 |
-35.71 |
|
| Diluted EPS (Rs.) |
1.50 |
0.88 |
1.94 |
2.56 |
-35.71 |
|
| Cash EPS (Rs.) |
1.64 |
1.10 |
2.16 |
1.74 |
-6.49 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
18.82 |
22.92 |
22.29 |
20.67 |
20.64 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
18.82 |
22.92 |
22.29 |
20.67 |
20.64 |
|
| Dividend/Share (Rs.) |
0.07 |
0.20 |
0.48 |
0.31 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
16.18 |
14.30 |
11.79 |
10.47 |
17.21 |
|
| Net Profit/Share (Rs.) |
1.43 |
0.88 |
1.94 |
1.53 |
-6.74 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
0.00 |
0.00 |
0.00 |
8,123,423.24 |
7,896,189.20 |
|
| Net Profit/ Employee (Rs.) |
0.00 |
0.00 |
0.00 |
1,189,530.17 |
-3,094,316.58 |
|
| Business/ Employee (Rs.) |
0.00 |
0.00 |
0.00 |
189,769,405.95 |
177,819,159.65 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
71,312,424.22 |
61,981,941.18 |
52,002,156.15 |
46,499,411.53 |
45,700,617.96 |
|
| Net Profit/ Branches (Rs.) |
6,309,508.70 |
3,807,032.61 |
8,542,804.16 |
6,809,007.86 |
-17,908,914.81 |
|
| Business/ Branches (Rs.) |
1,410,397,042.24 |
1,292,493,161.76 |
1,213,304,612.23 |
1,086,261,966.58 |
1,029,160,431.19 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.31 |
0.78 |
1.08 |
1.12 |
0.71 |
|
| CASA (%) |
31.43 |
32.41 |
33.58 |
33.80 |
32.80 |
|
| Net Profit Margin (%) |
8.84 |
6.14 |
16.42 |
14.64 |
-39.18 |
|
| Operating Profit Margin (%) |
18.98 |
14.65 |
33.55 |
28.77 |
-86.35 |
|
| Return on Assets (%) |
0.62 |
0.40 |
0.96 |
0.85 |
-2.47 |
|
| Return on Equity / Networth (%) |
7.60 |
3.83 |
8.69 |
7.41 |
-32.67 |
|
| Net Interest Margin (X) |
2.33 |
1.92 |
2.17 |
2.18 |
2.04 |
|
| Cost to Income (%) |
61.22 |
72.16 |
62.94 |
63.16 |
75.63 |
|
| Interest Income/Total Assets (%) |
7.09 |
6.56 |
5.85 |
5.86 |
6.31 |
|
| Non-Interest Income/Total Assets (%) |
0.96 |
0.82 |
0.68 |
0.79 |
0.81 |
|
| Operating Profit/Total Assets (%) |
-0.34 |
-0.42 |
0.27 |
0.06 |
-3.29 |
|
| Operating Expenses/Total Assets (%) |
2.02 |
1.98 |
1.80 |
1.88 |
2.16 |
|
| Interest Expenses/Total Assets (%) |
4.75 |
4.64 |
3.67 |
3.67 |
4.26 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
166,082.63 |
162,358.44 |
129,863.83 |
108,913.09 |
98,675.91 |
|
| EV Per Net Sales (X) |
14.47 |
16.75 |
16.25 |
15.35 |
14.15 |
|
| Price To Book Value (X) |
2.31 |
2.61 |
1.15 |
0.75 |
0.85 |
|
| Price To Sales (X) |
2.69 |
4.18 |
2.18 |
1.48 |
1.02 |
|
| Retention Ratios (%) |
86.65 |
45.36 |
83.99 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.03 |
0.01 |
0.08 |
0.10 |
-0.38 |
|
Source : Dion Global Solutions Limited
