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Punjab & Sind Bank

Items 2004-05 2005-06 2006-07 2007-08 2008-09 Group Average All Banks' Average
            2008-09 2008-09
No. of offices 787 825 860 839 858 1968 825
No. of employees 9632 9542 9324 9013 8700 23303 12039
Business per employee (in Rs. lakh) 217.57 277.23 328.59 466.87 655.58 778.06 750.55
Profit per employee (in Rs. lakh) -0.74 1.14 2.34 4.24 5.03 4.83 5.60
               
Capital and Reserves & surplus 440 1222 1406 2093 2140 6794 4708
Deposits 14171 16925 19319 24831 34676 105285 51970
Investments 7082 6956 6693 8474 12627 32752 18542
Advances 6322 9107 11738 18343 24615 76027 38389
               
Interest income 1249 1300 1727 2249 3247 9212 4972
Other income 256 120 228 288 408 1305 960
Interest expended 676 669 960 1433 2235 6584 3366
Operating expenses 571 483 523 561 692 1755 1142
               
Cost of Funds (CoF) 4.66 4.10 5.09 5.90 6.63 6.18 6.05
Return on advances adjusted to CoF 5.16 4.49 4.77 4.27 4.95 4.01 4.43
Wages as % to total expenses 36.66 31.39 25.43 21.09 17.74 13.14 13.52
               
Return on Assets -0.45 0.64 1.01 1.49 1.26 1.03 1.13
CRAR 9.46 12.83 12.88 11.57 14.35 13.24 13.98
Net NPA ratio 8.11 2.43 0.66 0.37 0.32 0.68 1.05

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