Bank of Punjab Balance Sheet Health
Financial Health criteria checks 4/6
Bank of Punjab has total assets of PKR2,075.2B and total equity of PKR73.6B. Total deposits are PKR1,421.3B, and total loans are PKR709.5B. It earns a Net Interest Margin of 2.4%. It has sufficient allowance for bad loans, which are currently at 7% of total loans. Cash and short-term investments are PKR73.6B.
Key information
28.2x
Asset to equity ratio
2.4%
Net interest margin
Total deposits | PK₨1.42t |
Loan to deposit ratio | Appropriate |
Bad loans | 7.0% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | PK₨73.63b |
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 (28.2x) is very high.
Allowance for Bad Loans: BOP has a sufficient allowance for bad loans (100%).
Low Risk Liabilities: 71% 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 (34%).
Low Risk Deposits: BOP's Loans to Deposits ratio (50%) is appropriate.
Level of Bad Loans: BOP has a high level of bad loans (7%).