Punjab & Sind Bank
where service is a way of life….
Financial Performance
Q2 (HY Sept. 22)
www.punjabandsindbank.co.in | Email ID: ho.customerexcellence@psb.co.in |
Key Highlights & Business Performance Investment
Financial Performance
Key Financial Ratios & Balance Sheet
Asset Quality
Capital and Shareholding Pattern
IT & Digital Initiatives
Geographical Presence & Financial Inclusion
Environmental, Social, Governance [ESG] & Awards
Way Forward & Guidance
3-14
15-16
17-22
23-26
27-35
36
37-38
39-40
41-42
43-46
2
9.12%
3.27%
376 bps
312 bps
27.51%
Key Highlights (YoY)
Gross Advances | 46 bps |
Rs.73739 Cr. | |
Deposit | |
Rs.105238 Cr. | 487 bps |
CD Ratio | 157 bps |
70.07% | |
CASA | 472 bps |
33.36% |
Net Profit | 27 bps |
Rs.278 Cr. | |
NIM 3.06%
Gross NPA
9.67%
Net NPA 2.24%
PCR (with TWO)
89.16%
Cost Income Ratio
65.30%
3
16.18%
18.95%
11.86%
17.46%
Key Highlights (YoY)
RAM Advances | 25.61% |
Rs. 37937 Cr. | |
Retail Advances | 12 bps |
Rs. 12619 Cr | |
Agriculture Advances | 483 bps |
Rs. 11531 Cr |
MSME Advances | 75 bps |
Rs. 13787 Cr. | |
Net Interest
Income Rs. 775 Cr
ROA 0.84%
ROE 20.99%
Yield On Advances
7.67%
4
- %
-
%
414 bps
- %
Key Highlights (QoQ)
Operating Profit | 106 bps |
Rs. 318 Cr | |
Net Profit | 65 bps |
Rs. 278 Cr | |
Cost Income Ratio | 506 bps |
65.30% |
Fee Income | 20 bps |
Rs. 102 Cr. |
PCR
89.16%
YOA 7.67%
ROE 20.99%
ROA 0.84%
5
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Punjab & Sind Bank published this content on 05 November 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 05 November 2022 08:11:00 UTC.