Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q1 FY2025-26 Earnings Presentation
42 slides from Punjab & Sind Bank's earnings presentation, July 2025
Slide 1: Financial Performance Q1 (FY2025-26) Analyst Presentation
Financial Financial Performance Performance Q1(FY Q1 (FY2025-26) 2025-26) Analyst Presentation
Slide 2: Table of Contents
Table of Contents Section 1 Key Highlights & Business Performance 3-11 Section 2 Key Financial Ratios 12-13 Section 3 Financial Performance & Balance Sheet 14-17 Section 4 Asset Quality 18-21 Section 5 COVID Resolution Framework 22 Section 6 Treasury Operations 23-24 Section 7 Capital Adequacy 25 Se
Slide 3: Key Highlights - Q1 FY'26 (YoY)
1 Key Highlights - Q1 FY’26 (YoY) 10.94% 8.78% 13.92% Total Business Total Deposits Total Advance Rs.231132 Cr. Rs.131182 Cr. Rs. 99950 Cr. 17.18% 29.00% 912 bps RAM Advances Retail Advances Cost to Income Ratio Rs.53970 Cr. Rs.22573 Cr. 60.55% 70.35% 47.80% 17 bps Operating Profit Net Profit Return
Slide 4: Key Highlights - Q1 FY'26 (YoY)
1 Key Highlights - Q1 FY’26 (YoY) 138 bps 68 bps 13 bps Gross NPA Net NPA Slippage Ratio 3.34% 0.91% 0.21% 369 bps 8.12% 30.73% Provision Coverage Ratio Business Per Branch Net Worth 91.77% Rs.142.99 Cr. Rs.11315 Cr. 24.88% 87 bps 60 bps Book Value Per Share Return on Equity Capital Adequacy Ratio R
Slide 5: Overall Business Mix
1 Overall Business Mix Total Business (₹ Cr) Total Deposits (₹ Cr) Total Advances (₹ Cr) 99,605 99,950 2,29,379 2,31,132 1,31,182 95,870 1,29,774 2,23,267 1,27,397 91,032 2,15,057 1,24,025 2,08,331 87,738 1,20,593 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 De
Slide 6: Liability Franchise
1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 40,790 57,214 40,133 97,347 39,701 54,397 95,187 53,399 93,100 38,134 52,239 37,744 51,346 89,480 89,983 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Ju
Slide 7: Diversified loan book
1 Diversified loan book RAM Share Jun-24 Dec-24 Mar-25 Jun-25 Retail Retail Retail Retail 22.58% 19.94% 21.57% 22.16% ₹ ₹ ₹ ₹ 99,950 Cr Agri, 87,738 Cr Agri 95,870 Cr Agri 99,605 Cr 12.69% 13.93% 13.45% Agri 13.51% Corporate Corporate MSME 45.80% MSME Corporate 47.51% 18.62% MSME Corporate MSME 18.7
Slide 8: Retail Lending Portfolio
1 Retail Lending Portfolio Advances Mix (₹ Cr) Home Loan (₹ Cr) 12,820 12,696 Period Ended Variation 10,243 Particulars (in ₹ Cr) Jun’24 Mar’25 Jun’25 QoQ (%) YoY (%) Jun'24 Mar'25 Jun'25 Advances 87738 99605 99950 0.35 13.92 Vehicle Loan (₹ Cr) 3,191 3,321 Retail 17498 22070 22573 2.28 29.00 2,362
Slide 9: Advances Breakup of Major Industries / Sectors
1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Jun'24 Mar'25 Jun'25 % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Advances Advances Advances Infrastructure 14611 16.65 14339 14.40 14068 14.08 (Out of Which) Energy 5368 6.12 6207 6.23 6046
Slide 10: Rating Profile of NBFCs
1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Jun'24 Mar'25 Jun'25 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total AAA rated 7537 59.64 7404 50.47 6485 45.35 AA rated 4681 37.04 6717 45.79 7235 50.59 A rated 375 2.97 542 3.69 536 3.75 Total A & above 12593 99.65 14663 9
Slide 11: Credit Profile
1 Credit Profile Credit – External Rating Wise (Above Rs. 5 Cr.) In ₹ Cr Jun-24 Other Quarter Ended Unrated, 8.60% Jun'24 Mar'25 Jun'25 AAA 22.50% Particulars (in ₹ Cr) % % % Govt. Amount Amount Amount Guar., ₹ to Total to Total to Total 29.70% 49972 Cr AA AAA rated 11245 22.50 10197 18.52 9223 16.2
Slide 12: Key Financial Ratios
2 Key Financial Ratios Yield on Advances (In %) Yield on Investments (In %) Yield on Funds (In %) 7.97 7.05 7.06 9.14 6.97 7.60 6.89 7.41 8.70 8.75 7.27 7.24 8.63 * 6.80 8.47 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 * Including one-off
Slide 13: Key Financial Ratios
2 Key Financial Ratios Cost to Income Ratio (In %) Return on Asset (%) Return on Equity (%) 0.79 69.67 0.73 0.65 0.67 12.42 12.40 62.82 62.10 60.55 54.61 10.91 0.50 9.67 8.80 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Book Value Per Share
Slide 14: Operating & Net Profit
3 Operating & Net Profit In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’24 Mar’25 Jun’25 QoQ% YoY% Interest Income 2652 3160 2910 (7.91) 9.73 Interest Expenses 1802 2038 2010 (1.37) 11.54 Net Interest Income 850 1122 900 (19.79) 5.88 Non Interest Income 194 676 469 (30.62) 141.75 Operating Expe
Slide 15: Total Income
3 Total Income In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’24 Mar’25 Jun’25 QoQ% YoY% Interest on Advances 1825 2331 2056 (11.80) 12.66 Interest on Investments 813 812 818 0.74 0.62 Other Interest Income 14 17 36 111.76 157.14 Total Interest Income (a) 2652 3160 2910 (7.91) 9.73 Core Fee Inc
Slide 16: Total Expenses
3 Total Expenses In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’24 Mar’25 Jun’25 QoQ% YoY% Interest on Deposits 1669 1813 1787 (1.43) 7.07 Interest on Others 133 225 223 (0.89) 67.67 Total Interest Expenses (a) 1802 2038 2010 (1.37) 11.54 Establishment Expenses 460 642 524 (18.38) 13.91 Other O
Slide 17: Balance Sheet
3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Jun’24 Mar’25 Jun’25 Capital 6778 7096 7096 Reserve & Surplus 4614 6259 6562 Deposits 120593 129774 131182 Borrowings 10382 14229 12456 Other Liabilities & Provision 2519 4457 4232 Total 144886 161815 161528 As on Assets (in ₹ Cr) Jun’24 Mar’25 Jun
Slide 18: Asset Quality
4 Asset Quality In ₹ Cr Quarter S. No. Particulars (in ₹ Cr) Jun’24 Mar’25 Jun’25 1 Gross NPA Opening Balance 4665 3676 3370 2 Cash recoveries 157 174 147 3 Out of Above Cash recovery Income Booked 40 73 31 4 Up gradations 93 87 93 5 Technical Write off 200 401 0 6 Rebate 389 21 26 7 Total Net Reduc
Slide 19: Asset Quality
4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Fresh Slippages(Qtr) (₹ Cr) Quarter Ended Particulars (in ₹ Jun'24 Mar '25 Jun'25 Cr) Ratio Ratio Ratio NNPA GNPA GNPA GNPA Retail (₹ Cr) Agri (₹ Cr) (%) (%) (%) (%) Retail 401 2.29 393 1.78 404 1.79 0.63 63 47 Agri 1165 9.54 1264 9.39 1216 9.59 3.82 34
Slide 20: Asset Quality
4 Asset Quality Gross NPA Provision Coverage Ratio with TWO (In %) 7.00 6.80 Gross NPA (₹ Cr) Gross NPA (%) 10,000 6.23 6.00 5.70 5.43 8,000 4.72 91.77 5.00 91.38 4.21 5,464 3.83 6,000 4.00 5,106 4,759 4,665 3.38 3.34 4,145 89.53 3.00 3,835 3,676 3,370 3,339 4,000 88.58 88.54 88.69 88.56 88.16 88.08
Slide 21: Asset Quality
4 Asset Quality Slippage Ratio (In %) Credit Cost (In %) 0.34 0.34 0.34 0.28 0.29 0.11 0.10 0.02 0.21 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 -0.40 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Fresh Slippage (₹ Cr) SMA1 and SMA2 (₹ Cr) (above Rs. 5 Crore) 623 572 558 * 299 276 268 230 203 181 207 120 Jun'24 Mar'25
Slide 22: COVID Resolution Framework
5 COVID Resolution Framework Resolution Framework 1 In ₹ Cr Out of which, position as on Restructuring Implemented Loan and aggregate exposure category 30.06.2025 No. of Account Outstanding No. of Account Outstanding Personal Loans 6250 556 2426 260 Other Exposures 419 1007 132 146 Total 6669 1563 2
Slide 23: Treasury Operations
6 Treasury Operations In ₹ Cr Particulars Jun’24 Mar’25 Jun’25 Domestic Investments 45490 47694 49035 • SLR Investments 32014 33107 34213 • Non-SLR Investments 13476 14587 14822 Category Wise Classification Particulars Jun’24 Mar’25 Jun’25 • Held to Maturity (HTM) 29749 30000 30544 • AFS + FVTPL(Inc
Slide 24: Treasury Operations
6 Treasury Operations In ₹ Cr % to Total Particulars Jun’24 Mar’25 Jun’25 (Jun’25) GROSS INVESTMENTS 45490 47694 49036 SLR INVESTMENTS 32014 33107 34214 69.77 (i) HFT 2437 3838 3642 7.43 (ii) AFS 7977 7687 8559 17.45 (iii) HTM 21600 21582 22013 44.89 NON-SLR INVESTMENTS (i) PSU Bonds 3338 3180 3175
Slide 25: Capital Adequacy
7 Capital Adequacy In ₹ Cr Period Ended Particulars Regulatory Requirement Jun'24 Mar'25 Jun'25 Amount % Amount % Amount % CET I (Including 8.00 9463 14.80 11790 15.59 11838 16.02 CCB) AT - 1 Tier I (Including CCB) 9.50 9463 14.80 11790 15.59 11838 16.02 Tier II 1597 2.50 1369 1.82 1391 1.88 Capital
Slide 26: Digital Journey
8 Digital Journey 49.02% 53.90% 28.38% Digital UPI PSB UNIC Transactions Transactions Registrations (No. in Cr.)* (In Cr.)# (In Lakhs) Jun’24 10.69 Jun’24 14.49 Jun’24 7.61 Jun’25 15.93 Jun’25 22.30 Jun’25 9.77 * Debit transactions # Debit & Credit Transactions 24.91% 52.07% 51.90% UPI UPI Merchants
Slide 27: Shareholding Pattern & Credit Rating
8 Shareholding Pattern & Credit Rating Shareholding Pattern Others As on LIC 4.82% Particulars 1.33% Jun’24 Mar’25 Jun’25 Share Capital (Rs. In Cr.) 6777.79 7095.59 7095.59 Govt. of No. of Shares (Rs. In Cr.) 677.78 709.56 709.56 India 93.85% Net Worth (Rs. In Cr.) 8655 10945 11315 Govt. of India LI
Slide 28: Geographical Presence
9 Geographical Presence Northern 61 17 10 1607 962 122 Branches 170 431 104 158 9 72 1053 ATMs 203 North 2282 BCs Eastern 36 40 Eastern 370 Western Central Districts Covered 73 359 110 2 18 Creation of 4 New Zonal Offices 26 12 34 19 Zonal Office State 47 Agra Uttar Pradesh 25 Southern 43 Moga Punja
Slide 29: Priority Sector Lending
9 Priority Sector Lending Mandated S. No. Particulars Jun’25 Targets 1 Priority Sector % to ANBC 40.00% 44.83% 2 Agriculture - PS % to ANBC 18.00% 18.20% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.07% 4 Weaker Section % to ANBC 12.00% 11.09% 5 Micro Enterprises (PS) % to ANBC 7.50% 11.86
Slide 30: Financial Inclusion
10 Financial Inclusion PMJDY Accounts Opened Total No. of Accounts under Atal Pension Yojna (₹ Lacs) (₹ Lacs) MUDRA Scheme 1,23,404 7.43 26.97 5.74 24.06 1,11,138 Jun'24 Jun'25 Jun'24 Jun'25 Jun'24 Jun'25 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Bima Total amount of Balance O/s in Bima Yo
Slide 31: ESG Initiatives
10 ESG Initiatives • Climate Risk & Green Deposit Policy for • Organized 18 camps and trained 574 • Well defined Board level Committee & Sustainability. trainees in different RSETIs during Q1 Policies are in place for better Control • Mobilized funds under Green Earth (2025-26). and Governance. Depo
Slide 32: New Initiatives - Customer Centricity
10 New Initiatives - Customer Centricity CASA Back Office- CASA Back Office offers centralized processing with credential validations for CASA Accounts- Pilot-run implemented. TAB Banking - TAB Banking enables bank staff to offers account opening at the customer’s doorstep/any remote location using
Slide 33: New Initiatives - Others
10 New Initiatives - Others Outbound Calls for SMA Collection and Marketing of bank’s products through Call Centre. Collaboration with RBI Innovation Hub (RBiH) for Unified Lending Interface and Mule Hunter Application. CRM – Features like Customer 360, Lead Management, Campaign Management and Griev
Slide 34: Committed to Highest Standards of Data Security and Customer Privacy
11 Committed to Highest Standards of Data Security and Customer Privacy Defence in depth through best 24 x 7 Security events monitoring Security Analytics for enhanced in class security technology and by SOC through SIEM & threat security threat visibility process controls intelligence feeds 770 / 9
Slide 35: Launch of Digital Products
12 Launch of Digital Products Digital MSME Loans Digital Loan against Bank Deposit It’s SIMPLE Smart: seamless journey through QR code/URL Integrated: all systems integrated for loan processing MSME: targeting Micro, Small and medium enterprises Platform: a digital interface Loan : Instant loan Excl
Slide 36: Launch of Digital Products
12 Launch of Digital Products E-KCC Loan (Loan upto ₹ 2.00 lakhs) SMART PSB Digi MSME Loans Highlights LOAN Decision on the basis of land ownership, Seamless journey through QR code/URL cropping, bureau data INTEGRATED GOVERNMENT PORTAL Satellite images and farmer details to verify Accessible throug
Slide 37: Our Products
12 Our Products Our Products Attractive Rate of Interest on All Retail Loan Schemes *T&C apply. 37
Slide 38: New Liability Products
12 New Liability Products PSB Salary Plus –New Udaan PSB Smart Yuva Savings Account PSB Parivaar - Family Banking Savings Product PSB Krishak Savings Account 38
Slide 39: Awards and Accolades
12 Awards and Accolades Punjab & Sind Bank emerges as the winner वित्तीय सेिाएं विभाग, वित्त मंत्रालय के तत्वािधान में बैंक /ं under the Top Improvers category in the वित्तीय संस्थाओं/ बीमा कंपवनय /ं विवनयामक ं के वलए आय वित EASE 7.0 Reforms Index. समीक्षा बैठक में 2024-25 के दौरान रािभाषा नीवत के श
Slide 40: Guidance
12 Guidance Parameters Actual as on Jun’25 Guidance for FY'26 Deposit Growth (YoY) 8.78% 8-10% Advances Growth (YoY) 13.92% 15-16% RAM % to Total Advances 53.99% >57% Gross NPA 3.34% <2.5% Net NPA 0.91% <0.75% PCR 91.77% 92-93% Recovery & Upgradation 350 Crore > Rs.1000 Crore Credit Cost (Annualised
Slide 41: Disclaimer
Disclaimer • The Bank may alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify any person of such revision or changes. • Except for the historical information contained herein, statements in this release which contain words or phrases such a
Slide 42: Thank You
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Punjab & Sind Bank — Q1 FY2025-26 Earnings Presentation on 6ix