B.N.Rathi Securities Ltd.

Company Profile

Profit & Loss

PUNJAB & SIND BANK

NSE : PSBBSE : 533295ISIN CODE : INE608A01012Industry : Bank - PublicHouse : PSU

BSE60.78-1.47 (-2.36 %)

PREV CLOSE ( ) 62.25

OPEN PRICE ( ) 62.57

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 306831

TODAY'S LOW / HIGH ( )60.40 62.89

52 WK LOW / HIGH ( )29.41 77.5

NSE60.80-1.45 (-2.33 %)

PREV CLOSE( ) 62.25

OPEN PRICE ( ) 62.70

BID PRICE (QTY) 60.80 (6713)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 2620832

TODAY'S LOW / HIGH( ) 60.30 62.95

52 WK LOW / HIGH ( )29.45 77.5

(Rs.in Million)

Particulars

Mar 2023

Mar 2022

Mar 2021

Mar 2020

Mar 2019

I. INCOME

Interest Earned

79927.31

70958.10

69739.14

79295.26

85586.70

Interest / Discount on advances / Bills

55024.39

47784.12

48654.52

57738.31

60297.19

Interest on balances with RBI and other Inter-bank funds

307.13

1184.29

1140.59

374.78

602.63

Income on investments

23593.45

20946.59

18736.72

19904.90

22977.52

Others

1002.35

1043.10

1207.31

1277.27

1709.37

Other Income

9399.60

9593.79

9036.14

8973.98

8282.78

Commission,exchange and brokerage

1139.12

1005.84

924.74

886.82

947.90

Profit / (loss)on sale of investments(net)

1012.22

3314.71

4151.03

4048.28

3583.59

Profit on sale of Fixed Assets

21.54

-1.58

-0.10

9.64

97.99

Foreign Exchange Gains

362.13

561.47

274.71

230.56

198.92

Income earned from subsidiaries/joint venture

Rent / Lease Income

Provisions Written Back

Miscellaneous income

6864.60

4713.35

3685.76

3798.68

3454.39

Total Income

89326.92

80551.89

78775.28

88269.24

93869.49

II. EXPENDITURE

Interest Expended

50193.51

44444.95

47119.99

58719.81

62789.69

Intereston Deposits

47178.38

42077.02

44526.49

56107.31

59906.87

Interest on RBI / inter-bank borrowings

1494.89

24.95

118.85

201.36

208.22

Other Interest

1520.24

2342.99

2474.66

2411.14

2674.61

Operating Expenses

24634.02

22806.03

23934.97

18580.28

17111.22

Payments to and provisions for employees

15444.21

14785.60

16880.66

12110.89

11758.11

Rent,Taxes and lighting

1367.26

1208.02

1396.90

1376.18

1335.49

Depreciation on Banks property

1483.33

1370.90

1021.33

539.09

-147.21

Depreciation on leased assets

Auditor's fees and expenses

141.98

85.90

113.80

112.48

116.83

Law charges

136.81

139.73

137.83

118.77

91.41

Communication Expenses

603.38

116.95

77.02

92.36

86.58

Repairs and Maintenance

309.04

256.20

203.09

219.90

176.32

Insurance

1370.74

1297.94

1087.93

895.46

953.53

Other expenses

3777.28

3544.79

3016.41

3115.15

2740.15

Provisions and Contingencies

-1699.10

1434.06

41762.70

26192.73

21683.96

Provision for investments

251.30

-518.60

1021.70

2583.00

2579.10

Provision for advances

-3824.20

1904.60

39622.60

23083.00

19554.20

Others Provisions

1873.80

48.06

1118.40

526.73

-449.34

Profit Before Tax

16198.49

11866.85

-34042.38

-15223.58

-7715.38

Taxes

3068.20

1476.30

-6713.37

-5315.60

-2280.60

Current Income Tax

-172.80

-1056.27

1056.30

2916.80

Deferred Tax

3241.00

1476.30

-5657.10

-6371.90

-5197.40

Other taxes

0.00

-1476.30

0.00

Profit After Tax

13130.29

10390.55

-27329.00

-9907.98

-5434.78

Extra items

0.00

Minority Interest

Share of Associate

Other Consolidated Items

Consolidated Net Profit

13130.29

10390.55

-27329.00

-9907.98

-5434.78

Adjustments to PAT

36865.47

IV. APPROPRIATIONS

19390.57

11480.55

-34821.33

-6676.92

4435.10

Transfer to Statutory Reserve

3290.00

2600.00

Appropriation to General Reserve

Appropriation to Revenue Reserve

Appropriation to Other Reserves

Equity Dividend

Corporate dividend tax

Other appropriations

16100.57

8880.55

-34821.33

-6676.92

4435.10

Equity Dividend %

5.00

3.00

Earnings Per Share

2.00

-7.00

-14.00

-10.00

Adjusted EPS

2.00

-7.00

-14.00

-10.00

Investor Alert

1) KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (Broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary. 2) For Stock Broking Transaction 'Prevent unauthorised transactions in your account --> Update your mobile numbers/email IDs with your stock brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day...Issued in the interest of Investors. 3) For Depository Transaction 'Prevent Unauthorized Transactions in your demat account --> Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from CDSL/NSDL on the same day...Issued in the interest of investors. 4) No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account. 5) Investors should be cautious on unsolicited emails and SMS advising to buy, sell or hold securities and trade only on the basis of informed decision. Investors are advised to invest after conducting appropriate analysis of respective companies and not to blindly follow unfounded rumours, tips etc. Further, you are also requested to share your knowledge or evidence of systemic wrongdoing, potential frauds or unethical behaviour through the anonymous portal facility provided on BSE & NSE website. 6) This is to inform that we B N Rathi securities Ltd not required to have a Business Continuity/DR plan under the existing regulatory provisions.

ATTENTION INVESTORS | KYC | IPO

Prevent Unauthorised transactions in your Trading/Demat Account. Update your mobile numbers/email IDs with your stock brokers/DP. Receive information of your transactions directly from Exchanges/Depositories on your mobile/email at the end of the day. No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account......Issued in the interest of investors. SEBI Circular - Investor Grievance Redress Mechanism - New Policy Measures. Kindly refer at Policies.

KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.

No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account

REGISTRATION NOS: SEBI Registration No: INZ000160834 (BSE-3233 | NSE-07141| MCX-56475) CDSL : SEBI Regn No. IN-DP-612-2021. AMFI-Registered Mutual Fund Distributor: B.N.Rathi Securities Ltd - ARN-77516: (B.N.Rathi is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.) CIN: L65993TG1985PLC005838

GRIEVANCE CONTACT Investor Grievance Contact: investorgrievances@bnrsecurities.com | DP Investor Grievance: investorgrievances@bnrsecurities.com Investor Protection and Arbitration Exchange Circulars and Rules - NSE,BSE and MCX.

In case of member having a website, member has created awareness amongst clients / investors with regard to procedure of pledge/ re-pledge of securities and displayed the guidelines on the homepage of their respective websites at a prominent place as required in Exchange circular ref no. NSE/INSP/45565 dated Sep 02,2020 Trading members had displayed the set of standard documents/policies on their own website for information.

SEBI SCORES LETTER OF AUTHORITY BROKERS NORMS RMS POLICY PMLA-POLICY SURVEILLANCE POLICY KYC MANDATORY - 6 ATTRIBUTES EVoting CDSL EVoting NSDL

DISCLAIMER INACTIVE CLIENT POLICY PRIVACY POLICY TERMS & CONDITIONS COMPANY POLICIES INVESTOR GRIEVANCE REDRESSAL POLICY INVESTOR CHARTER INVESTOR CHARTER - DP INVESTOR CHARTER - RESEARCH ANALYST INVESTOR CHARTER IGC MIS ADVISORY FOR INVESTORS BNRSL-DISCLAIMERS RESEARCH REPORTS