Punjab & Sind Bank (PSB) — Net Asset Quality Index
Punjab & Sind Bank (PSB) has a Net Asset Quality Index of 8.2% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs1.71 Trillion minus total liabilities of Rs1.57 Trillion yields net assets of Rs139.24 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check asset resilience ratio of Punjab & Sind Bank to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Punjab & Sind Bank Net Asset Quality Index Over Time (2006–2025)
This chart shows how Punjab & Sind Bank's Net Asset Quality Index has evolved across 20 annual periods from 2006 to 2025. As of December 2025, the index stands at 8.2%, representing net assets of Rs139.24 Billion against total assets of Rs1.71 Trillion INR. See PSB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Punjab & Sind Bank (2006–2025)
The table below presents the year-by-year Net Asset Quality Index for Punjab & Sind Bank from 2006 to 2025, covering 20 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market cap of Punjab & Sind Bank.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 8.3% | Rs133.55 Billion | Rs1.62 Trillion | Rs1.48 Trillion | ▼ -2.3 pp |
| 2024 | 10.5% | Rs155.33 Billion | Rs1.48 Trillion | Rs1.32 Trillion | ▼ -0.6 pp |
| 2023 | 11.1% | Rs151.09 Billion | Rs1.36 Trillion | Rs1.21 Trillion | ▼ -0.5 pp |
| 2022 | 11.6% | Rs140.11 Billion | Rs1.21 Trillion | Rs1.07 Trillion | ▲ +4.0 pp |
| 2021 | 7.6% | Rs83.63 Billion | Rs1.10 Trillion | Rs1.02 Trillion | ▲ +2.0 pp |
| 2020 | 5.6% | Rs55.96 Billion | Rs1.01 Trillion | Rs949.07 Billion | ▲ +0.3 pp |
| 2019 | 5.2% | Rs57.01 Billion | Rs1.09 Trillion | Rs1.03 Trillion | ▼ -0.2 pp |
| 2018 | 5.4% | Rs61.83 Billion | Rs1.14 Trillion | Rs1.08 Trillion | ▼ -0.9 pp |
| 2017 | 6.4% | Rs61.42 Billion | Rs966.43 Billion | Rs905.01 Billion | ▲ +0.5 pp |
| 2016 | 5.8% | Rs59.70 Billion | Rs1.03 Trillion | Rs966.11 Billion | ▲ +0.1 pp |
| 2015 | 5.7% | Rs55.96 Billion | Rs977.53 Billion | Rs921.57 Billion | ▲ +0.4 pp |
| 2014 | 5.3% | Rs50.11 Billion | Rs945.09 Billion | Rs894.98 Billion | ▼ -0.4 pp |
| 2013 | 5.7% | Rs46.04 Billion | Rs804.78 Billion | Rs758.74 Billion | ▼ -0.1 pp |
| 2012 | 5.8% | Rs42.49 Billion | Rs729.05 Billion | Rs686.56 Billion | ▲ +0.3 pp |
| 2011 | 5.5% | Rs38.03 Billion | Rs685.50 Billion | Rs647.47 Billion | ▲ +0.9 pp |
| 2010 | 4.6% | Rs26.16 Billion | Rs566.65 Billion | Rs540.49 Billion | ▼ -0.6 pp |
| 2009 | 5.2% | Rs21.40 Billion | Rs413.64 Billion | Rs392.23 Billion | ▼ -1.6 pp |
| 2008 | 6.8% | Rs20.93 Billion | Rs309.49 Billion | Rs288.56 Billion | ▲ +0.4 pp |
| 2007 | 6.4% | Rs14.06 Billion | Rs219.63 Billion | Rs205.57 Billion | ▲ +2.3 pp |
| 2006 | 4.1% | Rs7.67 Billion | Rs185.77 Billion | Rs178.10 Billion | — |