Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q4 FY2020-21 Earnings Presentation
32 slides from Punjab & Sind Bank's earnings presentation, March 2021
Slide 1: Q4 & FY 2020-21
Q4 & FY 2020-21 PSB – where service is a way of life…. 1
Slide 2: Contents
Highlights & Business Performance 3-6 Advances including Priority Sector Lending & Retail Portfolio 7-12 Investment 13 Financial Performance 14-17 Non Performing Asset 18-20 Capital and Shareholding Pattern 21-23 Key Financial Ratios 24-27 Geographical Presence & Financial Inclusion 28-29 COVID – 19
Slide 3: Highlights
Highlights Deposit (Rs. in Crore) Advances (Rs. in Crore) 67811 96108 64606 62564 89668 90509 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 Business (Rs. in Crore) CASA (Rs. in Crore) 163919 31530 29322 155115 152232 26518 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'
Slide 4: Highlights
Highlights Gross NPA as % of Gross Net NPA as % of Gross Advances Advances 14.18 8.03 13.76 13.14 4.04 2.84 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 Mar'20 Dec'20 Mar'21 PCR with Two (%) Capital Adequacy Ratio 87.99 82.89 16.39 17.06 66.74 12.76 Mar'20 Dec'20 Mar'21 Mar'20 Dec'
Slide 5: Results at a Glance
Results at a Glance (Rs in Crore) As on QoQ YoY As on As on As on As on Parameters 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 Growth Growth (%) (%) (Sequential) Total 152232 146910 146251 155115 163919 5.68 7.68 Business Total 89668 85225 84559 90509 96108 6.19 7.18 Deposits CASA 26518 26977 27253
Slide 6: CASA & Retail Term Deposit
CASA & Retail Term Deposit (Rs in Crore) QOQ YOY Growth Parameters Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 Growth (%) (%) (Sequential) Current Deposits 3213 2909 3273 3270 4123 26.09 28.32 Savings Deposits 23305 24068 23980 26052 27407 5.20 17.60 CASA Deposits 26518 26977 27253 29322 31530 7.53 18.90 CAS
Slide 7: Composition of Advances
Composition of Advances (Rs in Crore) Variation over Outstanding as of % to Mar’20 Gross Particulars Advances Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 Amt % (Mar’21) Agriculture (Excluding 9208 8649 9238 9945 10638 1429 15.52 15.69 RIDF) MSME 10728 9865 10908 11648 11497 769 7.17 16.95 Retail Advances 858
Slide 8: Retail Portfolio
Retail Portfolio (Rs in Crore) Break up of Retail Portfolio as on % To Growth (%) Retail Segment 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 YoY Advances (Mar’21) Housing 6026 6056 6081 6108 6141 1.91 33 Vehicle 1373 961 1326 1371 1419 3.35 8 Education 311 309 312 305 303 (2.57) 2 PSB Mortgage 1307
Slide 9: Priority Sector Lending
Priority Sector Lending (Rs in Crore) Increase % to Increase Sl. Particulars Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 QoQ % ANBC YoY % Sequential (Mar’ 21) 1 Agriculture* 11168 10518 11206 12049 12868 15.22 6.80 20.04 Out of which, 6246 5883 6284 6814 7127 14.10 4.59 11.10 S&MF 2 MSME* 11406 10478 11506 1
Slide 10: Exposure to Major Industries
Exposure to Major Industries (Rs in Crore) Mar’20 Dec’20 Mar’21 Sector Amount % age Amount % age Amount % age Infrastructure 12584.39 20.11 14158.79 21.92 14354.40 21.17 (Out of Which) Power 3546.73 5.67 4128.20 6.39 4378.72 6.46 Telecom 1189.57 1.90 1406.13 2.18 1315.42 1.94 Roads, Ports, 2734.11 4
Slide 11: Restructured Advances
Restructured Advances (Rs in Crore) Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 Sector Amount % age Amount % age Amount % age Amount % age Amount % age Agriculture 9.69 1.66 8.92 1.57 9.17 1.66 18.70 1.56 43.59 2.37 Power 62.20 10.67 83.49 14.68 76.62 13.86 86.98 7.24 81.77 4.44 Textiles 5.86 1.00 4.88 0.86
Slide 12: SMA Portfolio
SMA Portfolio (Rs in Crore) Particulars Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 Gross 62564.20 61685.33 61692.09 64606.29 67811.17 Advances SMA 0 1508.51 325.69 1437.66 723.39 1488.78 SMA 1 999.87 381.48 383.02 3519.52 2970.69 SMA 2 926.19 705.91 1327.11 4513.44 3064.26 * * Three Large accounts of SMA 2
Slide 13: Investments
Investments (Rs in Crore) % to Total Particulars Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 (Mar 21) GROSS INVESTMENTS 24946.38 24548.59 24626.17 30849.11 32518.41 100.00 SLR INVESTMENTS i) Treasury Bills 0.00 143.49 395.35 395.35 457.40 1.41 ii) CG securities 12094.32 11340.84 10988.69 10902.30 11763.24 36
Slide 14: Operating Profit
Operating Profit (Rs in Crore) Variati Quarter Variation Full Year on Particulars Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 QoQ% YoY% Mar’20 Mar’21 % (Sequential) Interest Income 1904 1800 1800 1763 1611 (8.62) (15.39) 7930 6974 (12.06) Interest 1400 1263 1186 1147 1116 (2.70) (20.29) 5872 4712 (19.75) Exp
Slide 15: Net Profit
Net Profit (Rs in Crore) Variat Quarter Variation Full Year ion Particulars- Mar’20 Jun’20 Sep’20 Dec’20 QoQ% YoY% Mar’20 Mar’21 Mar’21 (Sequential) % Operating Profit 430 226 231 140 174 24.29 (59.53) 1097 771 (29.72) Provision for NPA 683 331 845 1482 20 (98.65) (97.07) 2308 2678 16.03 -ve to -ve
Slide 16: Interest Income
Interest Income (Rs in Crore) Varia Quarter Variation Full Year tion Particulars Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 QoQ% YoY% Mar’20 Mar’21 % (Sequential) Interest Income 1904 1800 1800 1763 1611 (8.62) (15.39) 7930 6974 (12.06) (a+b+c) a) Advances 1382 1268 1265 1252 1080 (13.74) (21.85) 5774 4865
Slide 17: Total Expenditure
Total Expenditure (Rs in Crore) Variat Quarter Variation Full Year ion Particulars Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 YoY% Mar’20 Mar’21 % QoQ% Total Expenses 1860 1728 1768 1843 1767 (4.12) (5.00) 7730 7106 (8.07) Interest Expenses 1400 1263 1186 1147 1116 (2.70) (20.29) 5872 4712 (19.75) - Deposit
Slide 18: Movement of NPA
Movement of NPA (Rs in Crore) Particulars Quarter Full Year Sr. No Mar’20 Jun’20 Sep’20 Dec’20 Mar’21 Mar’20 Mar’21 1 Gross NPA Opening Balance 8923.49 8874.57 8848.06 8673.16 8489.89 8605.87 8874.57 2 Cash recoveries 182.18 66.96 181.37 122.73 531.19 549.38 926.57 Out of Above Cash 3 recovery(2) In
Slide 19: Priority Sector NPA
Priority Sector NPA (Rs. In Crore) Mar – 2020 Mar -2021 Sector Outstanding NPA % NPA Outstanding NPA % NPA Total Advances 62564 8875 14.18 67811 9334 13.76 Total Priority Sector (With RIDF) 27872 30358 * Total Priority Sector 24894 3195 12.83 27040 * 3436 12.71 A. Total Agriculture Advances 9212 994
Slide 20: Corporate NPAs
Corporate NPAs (Rs in Crore) Industry Mar’ 20 Jun’ 20 Sep’20 Dec’20 Mar’21 Iron and Steel 312.96 312.95 312.95 269.03 186.94 Engineering 82.84 84.48 86.79 86.18 100.72 Textile 431.89 462.03 459.87 404.02 456.67 Infra-energy 702.79 702.79 693.91 690.35 669.02 Infra-Transport 656.54 700.75 638.14 639.
Slide 21: Capital Adequacy
Capital Adequacy (Rs in Crore) Mar 20 Mar 21 (Basel III) (Basel III) Particulars Regulatory Regulatory Amount % Amount % Requirement Requirement CET I (Including CCB) 3805.91 7.59 7.375 6242.52 12.05 7.375 AT - 1 1000.00 1.99 - 1000.00 1.93 - Tier I 4805.91 9.58 8.875 7242.52 13.98 8.875 Tier II 159
Slide 22: Share Holding Pattern
Share Holding Pattern Particulars 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 Others LIC 1.89% • Share 1.04% 701.05 Cr 701.05 Cr 701.05 Cr 701.05 Cr 4052.67 Cr Capital • No. of 70.10 Cr 70.10 Cr 70.10 Cr 70.10 Cr *405.27 Cr Shares Particulars 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 • Govt. of
Slide 23: Net Worth
Net Worth Particulars 31.03.20 30.06.20 30.09.20 31.12.20 31.03.21 • Net Worth 2917.44 Cr 2762.76 Cr 2132.35 Cr (765.98 Cr) 5126.26 Cr • Book Value Rs. 41.62 Rs. 39.41 Rs. 30.42 (Rs. 10.93) Rs. 12.65 23
Slide 24: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost of Deposits (%) Cost of Funds (%) 5.84 5.19 4.90 5.47 5.25 4.97 4.66 4.59 4.30 3.84 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Cost of Deposits (%) Cost of Funds (%) Yield on Advances (%) Net Interest Margin (%) 8.44 8.14 8.32 7.92 2.41 6.76
Slide 25: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Yield on Investment Yield on Fund (%) (With Profit) (%) 7.06 6.98 7.07 6.60 5.54 9.48 8.84 8.87 8.86 8.46 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Yield on Investment (With Profit) (%) Yield on Fund (%) Credit Cost (%) Slippage Ratio (%) 9.37 4
Slide 26: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost to Income Ratio (%) 83.23 78.94 67.33 71.52 51.67 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Cost to Income Ratio (%) Staff cost to Income ratio Other Overheads to Income (%) Ratio (%) 62.27 26.66 51.30 52.28 18.99 21.13 20.22 20.96 46.20 32.68 Mar'20 Jun'20 Sep'20 Dec'20 Mar
Slide 27: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Return on Asset (%) Return on Equity (%) (Annualized) (Annualized) -0.45 0.55 -0.88 -1.58 29.50 -29.93 -16.46 -65.58 -8.90 -1390.86 Return on Asset (%) (Annualized) Return on Equity (%) (Annualized) Earning Per Share (Rs.) Book Value (Rs.) -6.67 6.69 -13.48 -22.90 41.62 39
Slide 28: Region-wise Branches
Region-wise Branches Northern North-Eastern Eastern 223 6 13 27 517 12 218 17 4 235 40 Central Western Southern 2 1 11 15 17 42 19 24 24 21 7 36 28
Slide 29: Financial Inclusion
Financial Inclusion Cumulative position of Pradhan Mantri Jan-Dhan Pradhan Mantri Social Security Schemes Yojana Schemes Scheme No. of Enrolments No. of Enrolments as on 31.03.20 as on 31.03.21 as on 31.03.2020 as on 31.03.21 Number of Atal Pension Yojana 190272 243830 Accounts opened 1324372 139611
Slide 30: COVID – 19 Response
COVID – 19 Response Uninterrupted Service to Customers Employee Protection (Sanitization, Work from Home) Rs.2 Crore Contribution to PM Care Funds Financial Support to Customers through GECL – 1158 Crore 30
Slide 31: Awards & Accolades
Awards & Accolades • Bank has achieved • Bank has been • Bank has been selected the target of the awarded with “IBA’s for 2nd position for campaign SHINE & 16th Annual Banking "KRITI AWARD (2nd SUCCEED CAMPAIGN, Technology Awards: Position)’” under the MAKERS OF 2019-20” for Financial category of “K
Slide 32: Thank You
Thank You |!
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