Punjab & Sind Bank is a government-owned bank (79.62%), with headquarters in New Delhi. Of its 1466 branches spread throughout India, 623 branches are in Punjab state. Its net profit is Rs. 121.35 crores and net NPA is 3.55% for the year ending 2014-15

The Financial performance of the Last years of the Punjab & Sind Bank is given below

Financial performance


Particular FY 2014-15 FY 2013-14
Deposits (' INR crores) 86,714.71 84,730.16
Advances (' INR crores) 64,796.42 57,857.74
Total Business (A+B) (' INR crores) 1,51,511 1,42,588
Total Assets (' INR crores) 97,753.40 94,509.15
Operating Profit (' INR crores) 775.45 800.54
Net Profit(' INR crores) 121.35 300.63
Business/Employee (' INR crores) 15.95 15.31
Net Interest Margin (NIM) (%) 1.8 1.88
Return on assets (%) 0.13 0.35
Gross NPAs (%) 4.76 4.41
Net NPAs (%) 3.55 3.35
Total Branches 1456 1330
Total ATM's 1268 1008

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