Bank of Punjab Balance Sheet Health
Financial Health criteria checks 3/6
Bank of Punjab has total assets of PKR2,268.9B and total equity of PKR76.8B. Total deposits are PKR1,582.1B, and total loans are PKR651.7B earning a Net Interest Margin of 2.4%. It has insufficient allowance for bad loans, which are currently at 7.8% of total loans. Cash and short-term investments are PKR130.4B.
Key information
29.6x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | PK₨1.58t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 7.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | PK₨130.41b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BOP's Assets to Equity ratio (29.6x) is very high.
Allowance for Bad Loans: BOP has a low allowance for bad loans (79%).
Low Risk Liabilities: 72% of BOP's liabilities are made up of primarily low risk sources of funding.
Loan Level: BOP has an appropriate level of Loans to Assets ratio (29%).
Low Risk Deposits: BOP's Loans to Deposits ratio (41%) is appropriate.
Level of Bad Loans: BOP has a high level of bad loans (7.8%).