A Current ratio az Punjab & Sind Bank - 0.06
A jelenlegi arány likviditási mutató, amely azt méri, hogy a vállalatnak elegendő forrása van-e a rövid távú kötelezettségek teljesítéséhez.
The current ratio is an indication of a company's liquidity and measures the capability to meet a company's short-term obligations. It compares a firm's current assets to its current liabilities, and is expressed as current assets divided by current liabilities. The ratio is only useful when two companies are compared within industry because inter industry business operations differ substantially. To determine liquidity, the current ratio is not as helpful as the quick ratio, because it includes all those assets that may not be easily liquidated, like prepaid expenses and inventory.
Acceptable current ratios vary from industry to industry. In many cases an investor would consider a high current ratio to be better than a low current ratio, because a high current ratio indicates that the company is more likely to pay the investor back. Large current ratios are not always a good sign for investors. If the company's current ratio is too high it may indicate that the company is not efficiently using its current assets or its short-term financing facilities. If current liabilities exceed current assets the current ratio will be less than 1. A current ratio of less than 1 indicates that the company may have problems meeting its short-term obligations.
Some types of businesses can operate with a current ratio of less than one however. If inventory turns into cash much more rapidly than the accounts payable become due, then the firm's current ratio can comfortably remain less than one. Inventory is valued at the cost of acquiring it and the firm intends to sell the inventory for more than this cost. The sale will therefore generate substantially more cash than the value of inventory on the balance sheet. Low current ratios can also be justified for businesses that can collect cash from customers long before they need to pay their suppliers.
Punjab & Sind Bank provides various banking and financial products and services in India. It operates through four segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers deposit products, including saving accounts, current accounts, recurring deposit accounts, and fixed deposits; and loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, business, gold, and other loans, as well as sukhmoney scheme for senior citizens, and SB OD schemes. It also provides non fund based products, such as letter of credit, LC advising/confirming, bank guarantee, letter of comfort for availing the buyers credit, co-acceptance facility, solvency certificate, and credit report products and services, as well as debt restructuring services. In addition, the company offers locker facility, government schemes, and life and general insurance; digital banking services, including internet and mobile banking, SMS banking, Aadhaar seeding, point of sale, unified payment interface, real time gross settlement, NEFT, ATM/debit cards, and online payment; international banking services comprising NRI schemes, export/import services, forex treasury, and resident facility, as well as products for micro and small enterprises. It operates through 25 zonal offices comprising 1526 branches. Punjab & Sind Bank was incorporated in 1908 and is headquartered in New Delhi, India.