Financial Ratios

PUNJAB & SIND BANK

NSE : PSBBSE : 533295ISIN CODE : INE608A01012Industry : Bank - PublicHouse : PSU
BSE54.20-0.62 (-1.13 %)
PREV CLOSE ( ) 54.82
OPEN PRICE ( ) 55.09
BID PRICE (QTY) 54.13 (38)
OFFER PRICE (QTY) 54.23 (1006)
VOLUME 13664
TODAY'S LOW / HIGH ( )54.03 55.38
52 WK LOW / HIGH ( )41.1 77.5
NSE54.47-0.4 (-0.73 %)
PREV CLOSE( ) 54.87
OPEN PRICE ( ) 54.95
BID PRICE (QTY) 54.42 (102)
OFFER PRICE (QTY) 54.49 (791)
VOLUME 227869
TODAY'S LOW / HIGH( ) 54.26 55.39
52 WK LOW / HIGH ( )41 77.5
Select year
ParticularsMar2024Mar2023Mar2022Mar2021Mar2020
Operational & Financial Ratios
   Earnings Per Share (Rs)0.881.941.53-6.74-14.13
   DPS(Rs)0.200.480.310.000.00
   Book NAV/Share(Rs)21.3420.9519.3118.3766.65
Margin Ratios
   Yield on Advances11.7210.4011.1511.4413.58
   Yield on Investments
   Cost of Liabilities5.304.234.254.776.32
   NIM2.032.322.362.232.22
   Interest Spread6.416.186.906.677.25
Performance Ratios
   ROA(%)0.421.020.90-2.59-0.95
   ROE(%)4.159.6210.12-45.11-20.98
   ROCE(%)5.989.4710.37-31.74-14.64
Efficiency Ratios
   Cost Income Ratio72.1662.9563.1675.6162.88
   Core Cost Income Ratio72.3662.7268.2887.0572.86
   Operating Costs to Assets1.991.811.882.171.85
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)68.0013.2610.080.000.00
   PCE(x)54.3111.918.90-2.71-0.83
   Price/Book(x)2.801.230.800.960.17
   Yield(%)0.331.872.010.000.00
   EV/Net Sales(x)5.183.311.821.400.50
   EV/Core EBITDA(x)44.4418.229.7112.663.64
   EV/EBIT(x)6.453.982.297.480.92
   EV/CE(x)2.071.140.110.090.04
   M Cap / Sales4.182.181.481.020.10
Growth Ratio
   Core Operating Income Growth-4.4512.1517.229.93-9.74
   Operating Profit Growth
   Net Profit Growth-54.6526.37138.02-175.83-82.31
   BVPS Growth1.918.455.14-72.44-21.10
   Advances Growth7.7020.734.414.33-15.56
   EPS Growth(%)-54.6526.37122.7352.29-46.90
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.060.060.060.080.11
   Investment / Deposits(x)0.420.410.410.330.27
   IncLoan / Deposits(x)8.188.222.392.753.58
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)1.631.842.744.048.03

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.