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19-May-2023

Punjab National Bank

Asset quality and margins improving, credit cost remains high


''Punjab National Bank has reported 475% growth in net profit at Rs 1158.61 crore for the quarter ended March 2023 (Q4FY2023). The bank has posted healthy 30% growth in net interest income (NII). The Net Interest Margin (NIM) of the bank improved to 3.24% in Q4FY2023 compared to 2.76% in the corresponding quarter of previous year. On business front, the bank as has posted 12% growth in business with strong 13% surge in loan book. The asset quality of the bank has further improved in Q4FY2023. Bank has improved the credit to deposit ratio to 69.1% at end March 2023 from 68.5% at end March 2022. However, the CASA ratio of the bank has declined to 42.0% at end March 2023 from 46.6% at end March 2022.

Asset quality improves: The bank has continued to improve asset quality in Q4FY2023.

The fresh slippages of loans stood at Rs 3996 crore in Q4FY2023 compared with 4072 crore in previous quarter and Rs 10506 crore in the corr...



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