(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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Disclaimer
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.