Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q3 FY2021-22 Earnings Presentation
51 slides from Punjab & Sind Bank's earnings presentation
Slide 1: Financial Performance – Q3 (FY 2021-22)
Financial Performance – Q3 (FY 2021-22) PSB – where service is a way of life…. www.punjabandsindbank.co.in Email ID: ho.customerexcellence@psb.co.in 1
Slide 2: Highlights & Business Performance Asset Quality Investment
Highlights & Business Performance 3-13 Asset Quality 14-22 Investment 23-24 Financial Performance 25-31 Capital and Shareholding Pattern 32-35 Balance Sheet 36-37 Key Financial Ratios 38-42 Geographical Presence & Financial Inclusion 43-46 Digital Initiative 47-49 2
Slide 3: Highlights & Business Performance
Highlights & Business Performance 3
Slide 4: Highlights
Highlights Operating Profit Net Interest Margin 1030 bps Q-o-Q 57 bps Q-o-Q Rs. 332 Cr. 3.17 % 3807 bps Q-o-Q Net Profit Yield on Advances 77 bps Q-o-Q Rs.301 Cr. 7.69 % CASA Provision Coverage 333 bps Q-o-Q 626 bps Q-o-Q Rs.32749 Cr. Ratio 87.77 % Cost of Deposit Net NPA 6 bps Q-o-Q 80 bps Q-o-Q 4.
Slide 5: Business
Business (Rs in Crore) Outstanding as of YoY QoQ Parameters Growth Growth (%) Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 (Sequential) (%) Total Business 155115 163919 166411 169484 167061 (1.43) 7.70 Total Deposits 90509 96108 98478 101910 100351 (1.53) 10.87 Total Advances 64606 67811 67933 67574 66710 (1.
Slide 6: CASA
CASA (Rs in Crore) Outstanding as of QOQ Growth YOY Parameters (%) Growth Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 (Sequential) (%) Current Deposits 3270 4123 3446 3585 3680 2.65 12.54 Savings Deposits 26052 27407 27386 27235 29069 6.73 11.58 CASA Deposits 29322 31530 30832 30820 32749 6.26 11.69 CASA (%)
Slide 7: Composition of Advances
Composition of Advances (Rs in Crore) Variation over Outstanding as of Dec’20 % to % to Gross Gross Particulars Advances Advances Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Amt % (Dec’20) (Dec’21) RAM 31136 31933 30673 32244 33119 1983 6.37 48 50 Corporate Advances 33470 35878 37260 35330 33591 121 0.36 52
Slide 8: RAM Advances
RAM Advances (Rs in Crore) Variation over Outstanding as of Dec’20 Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Amt % RAM 31136 31933 30673 32244 33119 1983 6.37 • Retail 9543 9798 9828 10198 10702 1159 12.15 • Agriculture 9945 10638 9710 10308 10296 351 3.53 • MSME 11648 11497 11135 11738 12121 4
Slide 9: Corporate Advances
Corporate Advances (Rs in Crore) Variation over Outstanding as of Dec’20 Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Amt % Corporate Advances 33470 35878 37260 35330 33591 121 0.36 • Govt. Guaranteed Adv. 10850 10403 11528 12826 11652 802 7.39 • Others 22620 25475 25732 22504 21939 (681) (3.01) G
Slide 10: Exposure to Major Industries
Exposure to Major Industries (Rs in Crore) Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Sector Amount % Amount % Amount % Amount % Amount % Infrastruct 14159 22 14354 21 15478 23 15729 23 15865 24 ure (Out of Power 4128 6 4379 6 5307 8 5842 9 6162 9 Which) Telecom 1406 2 1315 2 963 1 910 1 1074 2 Roads, Ports
Slide 11: Priority Sector Lending
Priority Sector Lending (Rs in Crore) Increase Increase Sl. Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 QoQ % YoY % (Sequential) 1 Agriculture 12049 12868 11845 12282 12012 (2.20) (0.31) 2 MSME 12297 10122 * 11835 12457 12269 ** (1.51) (0.23) 3 Other PSL 5301 5238 5275 5208 5137 (1.36) (3.09) Tot
Slide 12: Performance under Priority Sector
Performance under Priority Sector (Rs in Crore) Priority Small/Margin Weaker Micro under Non Sector Agriculture al Farmers Section MSME Corporate Farmers Mandatory Target 40 18 9 11 7.50 12.73 (% to ANBC) Amount 29418 12012 6953 7846 6780 10139 As on 31.12.2021 % 48.37 19.75 11.43 12.90 11.15 16.67
Slide 13: Retail Lending
Retail Lending (Rs in Crore) Increase Increase Sl. Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 QoQ % (Sequential) YoY % 1 Housing 6634 6713 6675 6727 6944 3.23 4.67 2 Vehicle 1225 1301 1306 1407 1519 7.96 24.00 3 Personal 219 207 201 219 240 9.59 9.59 4 Other Retail 1465 1577 1646 1845 1999 8.35
Slide 14: Asset Quality
Asset Quality 14
Slide 15: Highlights - Asset Quality
Highlights - Asset Quality Gross NPA as % of Net NPA as % of Gross Advances Net Advances 14.54 14.44 4.04 3.61 3.81 13.76 2.84 3.01 13.14 13.33 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Provision Coverage Ratio (%) 87.99 87.77 84.22 84.44 82.89 Dec'20 Mar'21 Jun'21 Sep'21
Slide 16: Asset Quality
Asset Quality (Rs in Crore) 5937 2857 Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 842 Standard 56116 58477 58878 57751 57074 Sub – 139 1501 1354 2344 842 Standard Dec’21 Doubtful 6373 4744 4626 4707 5937 57074 Loss 1978 3089 3075 2772 2857 Standard Total Advances 64606 67811 67933 67574 66710 Sub
Slide 17: Movement of NPA
Movement of NPA (Rs in Crore) Nine Months Particulars Full Year Quarter Sr. Ended No Mar’21 Dec’20 Jun’21 Sep’21 Dec’21 Dec’20 Dec’21 Gross NPA Opening 1 8875 8673 9334 9055 9823 8875 9334 Balance 2 Cash recoveries 927 123 194 530 230 368 888 Out of Above Cash 3 48 11 45 38 7 39 89 recovery Income B
Slide 18: Sector wise NPA
Sector wise NPA (Rs in Crore) Sector Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Agriculture 909 918 839 840 833 MSME 1792 2098 2088 1949 1851 Retail 457 657 659 609 633 Corporate 5332 5661 5469 6425 6319 18
Slide 19: Corporate NPAs
Corporate NPAs (Rs in Crore) Industry Dec’ 20 Mar’21 Jun’21 Sep’21 Dec’21 Iron and Steel 269 187 185 179 171 Engineering 86 101 96 81 0 Textile 404 457 457 455 334 Infra-energy 690 669 785 777 774 Infra-Transport 640 814 816 909 961 Infra-Others 397 405 404 387 290 Food Processing 0 100 99 95 49 Woo
Slide 20: Restructured Advances
Restructured Advances (Rs in Crore) Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Sector Amount % Amount % Amount % Amount % Amount % Power 87 7.36 82 4.45 263 8.90 263 7.63 261 7.62 Textiles 11 0.93 229 12.44 236 7.99 192 5.57 192 5.60 Cement & 1 0.09 0 0.00 1 0.03 1 0.03 1 0.03 Products Iron & Steel 3 0.25 2
Slide 21: SMA – Sector wise
SMA – Sector wise (Rs in Crore) 31.12.2020 31.03.2021 30.06.2021 30.09.2021 31.12.2021 Sector S. No. SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 1 Retail 63 583 702 186 1247 13 710 44 636 720 97 583 1592 725 640 2 Agriculture 9 353 627 62 440 21 180 346
Slide 22: Status of NCLT
Status of NCLT (Rs in Crore) As on 31.12.2021 Category No. of Accounts Exposure Provision PCR (%) RBI List I 03 258 258 100 RBI List II 02 32 33 100 Accounts filed by Bank 01 65 65 100 Accounts filed by other Banks 44 3696 3524 95 Total 50 4051 3880 96 22
Slide 23: Investment
/ ha Azadi ka Amrit Mahotsav on Investment
Slide 24: Investments
Investments (Rs in Crore) % to Total Particulars Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 (Dec 21) GROSS INVESTMENTS 30849 32518 36372 37553 37651 SLR INVESTMENTS i) Treasury Bills 395 457 1018 946 757 2.84 ii) CG securities 10903 11763 14282 13133 13579 51.00 iii) State Govt. Securities 7100 7104 9516 12
Slide 25: Financial Performance
= a Amrit Mahotsav Financial Performance
Slide 26: Highlights - Financial Performance
Highlights - Financial Performance Operating Profit (Rs. in Crore) Net Profit (Rs. In Crore) 380 332 161 174 218 301 301 184 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 131 -2376 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Net Interest Income (NII) Net Interest Margin (NIM) (%) (Rs. In Crore) 3.17 758 2.86 2.50 2.60
Slide 27: Operating Profit
Operating Profit (Rs in Crore) Full Nine Months Quarter Variation Variation Year Ended Particulars Mar’21 Dec’20 QoQ% YoY% Jun’21 Sep’21 Dec’21 (Sequential) Dec’20 Dec’21 YoY% Interest 6974 1763 1691 1741 1871 7.47 6.13 5363 5303 (1.12) Income Interest 4712 1147 1112 1124 1113 (0.98) (2.96) 3596 334
Slide 28: Net Profit
Net Profit (Rs in Crore) Full Nine Months Variatio Quarter Variation Year Ended n Particulars- Mar’21 Dec’20 Jun’21 Sep’21 Dec’21 QoQ% YoY% Dec’20 Dec’21 YoY% (Sequential) Operating Profit 772 131 380 301 332 10.30 153.44 588 1013 72.28 Provision for NPA 2678 1482 (23) 678 325 (52.06) (78.07) 2658 9
Slide 29: Interest Income
Interest Income (Rs in Crore) Full Nine Months Variat Quarter Variation Year Ended ion Particulars Mar’21 Dec’20 Jun’21 Sep’21 Dec’21 QoQ% YoY% Dec’20 Dec’21 YoY% (Sequential) Interest Income 6974 1763 1691 1741 1871 7.47 6.13 5363 5303 (1.12) (a+b+c) a) Advances 4865 1252 1167 1151 1267 10.08 1.20
Slide 30: Non Interest Income
Non Interest Income (Rs in Crore) Full Nine Months Variat Quarter Variation Year Ended ion Particulars Mar’21 QoQ% YoY% Dec’20 Jun’21 Sep’21 Dec’21 (Sequential) Dec’20 Dec’21 YoY% Comm. Exchange, 92 24 24 30 22 (26.67) (8.33) 70 76 8.57 Brokerage Exchange Earned on 27 7 15 12 13 8.33 85.71 17 40 135
Slide 31: Total Expenditure
Total Expenditure (Rs in Crore) Full Nine Months Varia Quarter Variation Year Ended tion Particulars QoQ% Mar’21 Dec’20 Jun’21 Sep’21 Dec’21 YoY% Dec’20 Dec’21 YoY% (Sequential) Total Expenses 7106 1843 1629 1696 1710 0.83 (7.22) 5339 5035 (5.69) Interest 4712 1147 1112 1124 1113 (0.98) (2.96) 3596
Slide 32: Capital and Shareholding Pattern
Capital and Shareholding Pattern 32
Slide 33: Capital Adequacy
Capital Adequacy (Rs in Crore) Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 (Basel III) (Basel III) (Basel III) (Basel III) (Basel III) Requirement Requirement Requirement Requirement Requirement Regulatory Regulatory Regulatory Regulatory Regulatory Particulars Amount Amount Amount Amount Amount % % % % % CE
Slide 34: Share Holding Pattern
Share Holding Pattern Particulars 31.12.20 31.03.21 30.06.21 30.09.21 31.12.21 1.89% 1.04% • Share Capital 701.05 Cr 4052.67 Cr 4052.67 Cr 4052.67 Cr 4052.67 Cr • No. of 70.10 Cr 405.27 Cr 405.27 Cr 405.27 Cr 405.27 Cr Shares Particulars 31.12.20 31.03.21 30.06.21 30.09.21 31.12.21 Dec’21 • Govt. of
Slide 35: Net Worth
Net Worth Particulars 31.12.20 31.03.21 30.06.21 30.09.21 31.12.21 Net Worth (765.98) Cr 5126.25 Cr 5461.80 Cr 5340.93 Cr * 5664.92 Cr * Book Value (Rs. 10.93) Rs. 12.65 Rs. 13.48 Rs.13.18 * Rs. 13.98 * 5461.80 Cr 5340.93 Cr 5664.92 Cr 5126.25 Cr -765.98 Cr Net Worth * Deferred Pension has been nett
Slide 36: Balance Sheet
Balance Sheet 36
Slide 37: Balance Sheet
Balance Sheet (Rs in Crore) As on Liabilities Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Capital 701 4053 4053 4053 4053 Reserve & Surplus 2002 4310 4484 4702 5003 Share Application Money 5500 0 0 0 0 Pending Allotment Deposits 90509 96108 98478 101910 100351 Borrowings 2604 2644 2644 2630 2303 Other Liabil
Slide 38: Key Financial Ratios
Key Financial Ratios 38
Slide 39: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost of Deposits (%) Cost of Funds (%) 4.30 4.97 3.84 3.74 4.59 3.69 3.64 4.42 4.30 4.24 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Cost of Deposits (%) Cost of Funds (%) Yield on Advances (%) Yield on Fund (%) 7.92 7.69 7.08 6.60 6.76 6.92 5.72
Slide 40: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Credit Cost (%) * 2.34 1.02 0.49 0.03 -0.03 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Credit Cost (%) Slippage Ratio (%) * 2.69 2.66 0.76 0.37 0.01 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Slippage * For the Quarter 40
Slide 41: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost to Income Ratio (%) 84.11 77.95 57.68 65.57 64.20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Cost to Income Ratio (%) Staff cost to Income ratio (%) Other Overheads to Income Ratio (%) 62.93 26.32 51.63 21.18 19.99 23.64 22.25 41.93 41.95 37.69 Dec'20 Mar'21 Jun'21 Sep'21 Dec
Slide 42: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Earning Per Share (Rs.) 6.69 1.72 2.15 2.97 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 -135.54 Earning Per Share (Rs.) Return on Asset (%) Return on Equity (%) (Annualized) (Annualized) 0.55 0.59 0.72 0.98 29.50 13.14 16.16 21.87 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Dec'20 Mar'21 Ju
Slide 43: Geographical Presence & Financial Inclusion
Geographical Presence & Financial Inclusion 43
Slide 44: Region-wise Branches
Region-wise Branches Northern 1193 11 17 6 223 17 4 517 218 21 7 235 North Eastern Central Eastern 27 Western 56 92 112 13 27 15 12 42 19 40 Southern 2 1 36 51 24 24 Total Branches - 1531 44
Slide 45: Financial Inclusion
Financial Inclusion Cumulative position of Pradhan Mantri Jan-Dhan Yojana Schemes As on As on As on As on As on Particulars Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Number of Accounts 13.77 13.96 13.98 14.24 14.51 opened (In Lacs) Number of Active 11.26 11.62 11.64 11.81 12.06 Accounts (In Lacs) 45
Slide 46: Financial Inclusion
Financial Inclusion Pradhan Mantri Social Security Schemes Scheme No. of No. of No. of No. of No. of Enrolm Enrolm Enrolm Enrolm Enrolm ents as ents as ents as ents as ents as on on on on on Dec’20 Mar’21 Jun’21 Sep’21 Dec’21 Pradhan Mantri Jeevan Jyoti 3.15 3.60 3.64 4.12 4.38 Bima Yojna (In Lacs)
Slide 47: Digital Initiative
= a Amrit Mahotsav @ Digital Initiative
Slide 48: E-Transaction (%) and UPI/BHIM Users
E- Transaction (%) Dec'20 63.35% Mar'21 65.16% Jun'21 69.80% Sep'21 73.75% Dec'21 74.57% UPI/BHIM Users (In Lac) Dec'20 6.46 Mar'21 7.08 Jun'21 7.89 Sep'21 8.86 Dec'21 9.86 48
Slide 49: PSB UnIC
PSB UnIC Internet & Mobile Banking Platform Balance View Open & Close Deposit Account & FD/RD (FD & RD) Balance Fund Transfer Insta Pay Donations TDS Certificate New Cheque Social Securities Stop Cheque Book Services Available Upcoming Services Merchant Opening Banking of PSB Retail Corporate Digita
Slide 50: Plus Account –An PSB Sanchay – Salary Account –
PSB Apna Ghar PSB Apna Vahan PSB Gold Loan MSME Financing PSB Salary PSB Smart Plus Account –An Salary Account – account for An account for Govt./Corporate Individuals employees PSB Sanchay – Term Deposit PSB Flexi Saving account for Deposit Account Govt./ Corporate employees 50
Slide 51: For giving an opportunity to serve for 113 years
PSB – where service is a way of life…. For giving an opportunity to serve for 113 years and many more to go… www.punjabandsindbank.co.in Reach us at: ho.customerexcellence@psb.co.in Experience our New Internet and Mobile Banking Solution 51
Punjab & Sind Bank — Q3 FY2021-22 Earnings Presentation on 6ix