(भारत सरकार का उपक्रम)

Analyst

Presentation

Q3 (FY 2022-23)

Key Highlights & Business Performance

Strategy Driven Measures

Treasury Operations

Financial Performance & Balance Sheet

Asset Quality

Capital and Shareholding Pattern Priority Sector & MSME Performance

Financial Inclusion & Digital Footprints

Geographical Presence & ESG Way Forward & Guidance

3-10

11-12

13

14-20

21-31

32

33-34

35-36

37-38

39-41

2

Key Highlights (QoQ)

8.18%

34.17%

45 bps

183 bps

Operating Profit

Rs. 344 Cr.

Net Profit

Rs. 373 Cr.

YOA 8.12%

Cost to Income Ratio 63.47 %

27

bps

510 bps

6

bps

22

bps

ROA

1.11 %

ROE 26.09 %

NIM

3.12%

Slippage Ratio 0.36%

3

Key Highlights (YoY)

16.54%

9.11%

452 bps

11.33%

Gross Advances Rs.77745 Cr.

Deposit

Rs.109497 Cr.

CD Ratio 71.00%

CASA

Rs.36460 Cr.

19.07 % RAM Advances Rs. 39956 Cr.

32.31%

Retail Advances

Rs. 14739 Cr.

9.63 % Agriculture Advances Rs. 11288 Cr.

14.92 % MSME Advances Rs. 13929 Cr.

4

Key Highlights (YoY)

23.92%

23.52%

28 bps

422 bps

Net Profit [Qtr]

Rs. 373 Cr.

Net Profit [9M] Rs. 856 Cr.

NIM [9M] 3.04 %

ROE [Qtr]

26.09

154 bps

PCR (with TWO)

89.31 %

608 bps

Gross NPA

8.36 %

99 bps

Net NPA

2.02 %

73 bps Cost Income Ratio [Qtr]

63.47 %

5

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Punjab & Sind Bank published this content on 21 January 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 31 January 2023 08:27:04 UTC.