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Punjab & Sind Bank

Punjab & Sind Bank's capital adequacy ratio fell 2.84% to 10.9% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's capital adequacy ratio reached 10.9% at the end of 2018, down from 11.3% compared to the previous year. ...

Punjab & Sind Bank's capital adequacy ratio fell 2.84% to 10.9% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's capital adequacy ratio reached 10.9% at the end of 2018, down from 11.3% compared to the previous year. ...

Punjab & Sind Bank's net interest margin fell 3.66% to 2.05% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's net interest margin amounted to 2.05% in 2018, down from 2.12% compared to the previous year. His...

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Punjab & Sind Bank's net interest margin fell 3.66% to 2.05% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's net interest margin amounted to 2.05% in 2018, down from 2.12% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.63% in 2006 and an all time low of 1.75% in 2014. The avera...

Punjab & Sind Bank's net interest income rose 1.99% to INR 22.8 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank generated total banking revenues of INR 31.1 bil in 2018, up 10.4% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 31.1 bil in 2018...

Punjab & Sind Bank's net interest income rose 1.99% to INR 22.8 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank generated total banking revenues of INR 31.1 bil in 2018, up 10.4% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 31.1 bil in 2018...

Punjab & Sind Bank's customer loan growth fell 72.3% to 3.91% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's customer loan growth reached 3.91% in 2018, down from 14.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 147% in 2009 and an all time low of -28.8% in 2008. In the last decade, t...

Punjab & Sind Bank's customer loan growth fell 72.3% to 3.91% in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's customer loan growth reached 3.91% in 2018, down from 14.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 147% in 2009 and an all time low of -28.8% in 2008. In the last decade, t...

Punjab & Sind Bank's total revenues rose 10.4% to INR 28.2 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank generated total banking revenues of INR 28.2 bil in 2017, up 2.88% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to the last yea...

Punjab & Sind Bank's total revenues rose 10.4% to INR 28.2 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank generated total banking revenues of INR 28.2 bil in 2017, up 2.88% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to the last yea...

Punjab & Sind Bank's customer deposits fell 3.11% to INR 1,017 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's customer deposits reached INR 1,017 bil in 2017, up 18.9% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. Punjab & Sind Bank ...

Punjab & Sind Bank's customer deposits fell 3.11% to INR 1,017 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's customer deposits reached INR 1,017 bil in 2017, up 18.9% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. Punjab & Sind Bank ...

Punjab & Sind Bank's customer loans rose 3.91% to INR 666 bil in 2018

By Helgi Library - November 2, 2019

Punjab & Sind Bank's customer loans reached INR 666 bil in 2017, up 14.1% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. Punjab & Sind Bank accounted...

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Finance

Punjab & Sind Bank has been growing its revenues and asset by 8.15% and 13.6% a year on average in the last 10 years. Its loans and deposits have grown by 18.1% and 11.8% a year during that time and loans to deposits ratio reached 70.2% at the end of 2018. The company achieved an average return on equity of 5.31% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 55.1% in 2018, compared to 57.5% average in the last decade.

Equity represented 5.23% of total assets or 8.24% of loans at the end of 2018. Punjab & Sind Bank's non-performing loans were 12.4% of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

Punjab & Sind Bank stock traded at INR 31.3 per share at the end of 2018 resulting in a market capitalization of USD 253 mil. Over the previous five years, stock price fell by 34.8% or 8.19% a year on average. That’s compared to an average ROE of -1.96% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.310x in 2018.