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%).