Punjab & Sind Bank Balance Sheet Health
Financial Health criteria checks 4/6
Punjab & Sind Bank has total assets of ₹1,482.8B and total equity of ₹115.8B. Total deposits are ₹1,240.2B, and total loans are ₹886.0B earning a Net Interest Margin of 2.5%. It has insufficient allowance for bad loans, which are currently at 4.3% of total loans. Cash and short-term investments are ₹68.5B.
Key information
12.8x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | ₹1.24t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.3% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹68.55b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 533295's Assets to Equity ratio (12.8x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if 533295 has a sufficient allowance for bad loans.
Low Risk Liabilities: 91% of 533295's liabilities are made up of primarily low risk sources of funding.
Loan Level: 533295 has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: 533295's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: 533295 has a high level of bad loans (4.3%).