Bank of Punjab Balance Sheet Health

Financial Health criteria checks 3/6

Bank of Punjab has total assets of PKR2,135.5B and total equity of PKR83.2B. Total deposits are PKR1,573.0B, and total loans are PKR628.7B earning a Net Interest Margin of 2.4%. It has insufficient allowance for bad loans, which are currently at 8.2% of total loans. Cash and short-term investments are PKR115.5B.

Key information

25.7x

Asset to equity ratio

2.4%

Net interest margin

Total deposits

PK₨1.57t

Loan to deposit ratio

Appropriate

Bad loans

8.2%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

PK₨115.54b

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 (25.7x) is very high.

Allowance for Bad Loans: BOP has a low allowance for bad loans (98%).

Low Risk Liabilities: 77% 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 (40%) is appropriate.

Level of Bad Loans: BOP has a high level of bad loans (8.2%).


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