预算2025 |减税和商品及服务税福利可能会刺激消费股的增长：Sandeep Tandon

预算2025 |减税和商品及服务税福利可能会刺激消费股的增长：Sandeep Tandon

Punjab National Bank (PNB) is targeting to recover bad loans worth Rs 17,000 crore in the next financial year (FY25), its chief executive officer (CEO) has said. The bank had recovered bad loans to the tune of Rs 12,000 crore in the current financial year till December.

其首席执行官（首席执行官）表示，旁遮普国家银行（PNB）的目标是在下一个财政年度（第25财年）收回价值17亿卢比的不良贷款。该银行在目前的财政年度一直收回了不良贷款，达到了12亿卢比。

"We are targeting to recover bad loans worth Rs 17,000 crore in FY25. We have recovered bad loans of around Rs 12,000 crore in the current financial year till December. We are also expecting slippages of around Rs 10,000 crore in the next financial year," PNB CEO Atul Kumar Goel told PTI in an interview.

“我们的目标是在25财年收回价值170亿卢比的不良贷款。在当前的财政年度，我们已经收回了约12亿卢比的不良贷款。我们还预计，下一个财政年度，我们也预计会下跌约1000亿卢比，” PNB首席执行官Atul Kumar Goel在接受采访时告诉PTI。

The bank's gross non-performing assets (NPAs) stood at 10.4 percent of the gross advances as of December 2022, down from 13.3 percent a year ago. Net NPAs were at 3.3 percent, compared to 4.8 percent in December 2021.

截至2022年12月，该银行的总不良资产（NPA）的总进展为10.4％，低于一年前的13.3％。 NPA净为3.3％，而2021年12月为4.8％。

Goel said the bank is aiming to bring down gross NPAs to single digit by March 2024 and net NPAs to below 2 percent.

Goel表示，该银行的目标是在2024年3月之前将NPA总数降低到单位数，而NPA净至2％以下。

"We are targeting to achieve a credit growth of 15-16 percent in the next financial year. We are also expecting a deposit growth of around 12 percent," he added.

他补充说：“我们的目标是在下一个财政年度实现15-16％的信用增长。我们还预计，存款增长约为12％。”

The bank's capital adequacy ratio (CAR) stood at 14.2 percent as of December 2022. Goel said the bank is comfortable with the current level of CAR and does not plan to raise any fresh capital in the next financial year.

截至2022年12月，该银行的资本充足率（CAR）为14.2％。Goel表示，该银行对当前的汽车水平感到满意，并且不打算在下一个财政年度筹集任何新资本。

"We are expecting an improvement in net interest margin (NIM) in the next financial year. We are targeting to achieve a NIM of around 3.25 percent," he added.

他补充说：“我们预计下一个财政年度的净利息利润率（NIM）将有所提高。我们的目标是达到约3.25％的NIM。”

The bank's NIM stood at 2.9 percent in the December quarter, up from 2.6 percent a year ago.

该银行的NIM在12月季度为2.9％，高于一年前的2.6％。

Goel said the bank is focusing on expanding its presence in the retail, MSME and agriculture segments.

戈尔说，该银行正致力于扩大其在零售，MSME和农业领域的影响力。

"We are also planning to open around 100 new branches in the next financial year," he added.

他补充说：“我们还计划在下一个财政年度开设大约100个新分支机构。”

The bank had a network of 10,200 branches and 13,300 ATMs across the country as of December 2022.

截至2022年12月，该银行在全国各地拥有10,200个分支机构和13,300个ATM的网络。