Punjab & Sind Bank announced Q4FY23 & FY23 results: Q4FY22 vs Q4FY23: Operating Profit: Rs 317 crore vs Rs 536 crore, up by 69.09% Net Profit: Rs 346 crore vs Rs 457 crore, up by 32.08% Return on Assets (RoA): 1.10% vs 1.33%, up by 23 bps Return on Equity (RoE): 25.84% vs 28.43%, up by 259 bps Cost-to-Income Ratio: 65.19% vs 56.45%, down by 874 bps Total Business: Rs 1,72,524 crore vs Rs 1,90,647 crore, up by 10.50% Net NPA (%): 2.74% vs 1.84%, down by 90 bps FY22 vs FY23: Operating Profit: Rs 1,330 crore vs Rs 1,450 crore, up by 9.02% Net Profit: Rs 1,039 crore vs Rs 1,313 crore, up by 26.37% Net Interest Income: Rs 2,652 crore vs Rs 2,973 crore, up by 12.10% Return on Assets (RoA): 0.85% vs 0.98%, up by 13 bps Return on Equity (RoE): 20.42% vs 22.18%, up by 176 bps Cost-to-Income Ratio: 63.16% vs 62.95%, down by 21 bps Net NPA (%): 2.74% vs 1.84%, down by 90 bps Capital Adequacy ratio (CRAR) at 17.10% with a Common Equity Tier 1 (CET-1) ratio of 14.32% at the end of March 2023. Result PDF