Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q4 FY2025 Earnings Presentation
42 slides from Punjab & Sind Bank's earnings presentation, April 2025
Slide 1: Financial Performance Q4 & FY (2024-25) Analyst Presentation
Financial Performance Q4 & FY (2024-25) Follow our Official Page: @PSBIndOfficial Analyst Presentation
Slide 2: Table of Contents
Table of Contents Section 1 Key Highlights & Business Performance 3-12 Section 2 Key Financial Ratios 13-17 Section 3 Financial Performance & Balance Sheet 18-21 Section 4 Asset Quality 22-23 Section 5 COVID Resolution Framework 24 Section 6 Treasury Operations 25-26 Section 7 Capital Adequacy 27 Se
Slide 3: Key Highlights (FY'25 vis-à-vis FY'24)
1 Key Highlights (FY’25 vis-à-vis FY’24) 11.69% Total Business 8.68% Total Deposits 15.87% Total Advances Rs.229379 Cr. Rs.129774 Cr. Rs.99605 Cr. 33.19% Net Interest Income 83.47% Operating Profit 70.76% Net Profit Rs.3784 Cr. Rs.2075 Cr. Rs.1016 Cr. Net Interest Margin (%) 1093 Cost to Income Rati
Slide 4: Key Highlights [Q4 FY'25 vis-à-vis Q3 FY'25]
1 Key Highlights [Q4 FY’25 vis-à-vis Q3 FY’25] 2.74% Total Business 1.87% Total Deposits 3.90% Total Advances Rs.229379 Cr. Rs.129774 Cr. Rs.99605 Cr. 19.49% Net Interest Income 68.60% Operating Profit 10.99% Net Profit Rs.1122 Cr. Rs.816 Cr. Rs.313 Cr. Net Interest Margin (%) 749 Cost to Income Rat
Slide 5: Key Highlights [Q4 FY'25 vis-à-vis Q4 FY'24]
1 Key Highlights [Q4 FY’25 vis-à-vis Q4 FY’24] 102 Yield on Advances (%) Net Interest Income Net Interest Margin (%) 62.84% 87 bps bps 9.69% Rs.1122 Cr. 3.19% 1488 bps Cost to Income Ratio 41 bps Return on Asset (%) 511 bps Return on Equity (%) 54.61% 0.79% 12.40% Operating Profit 25 Capital Adequac
Slide 6: Overall Business Mix
1 Overall Business Mix Total Business (₹ Cr) Total Deposits (₹ Cr) Total Advances (₹ Cr) 229,379 129,774 109,665 119,410 99,605 190,647 205,374 101,726 102,137 171,465 172,524 80,982 85,964 69,739 70,387 Mar'18 Mar'22 Mar'23 Mar'24 Mar'25 Mar'18 Mar'22 Mar'23 Mar'24 Mar'25 Mar'18 Mar'22 Mar'23 Mar'2
Slide 7: Liability Franchise
1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 40,790 54,397 95,187 53,399 39,701 38,708 49,536 88,244 Mar'24 Dec'24 Mar'25 Mar'24 Dec'24 Mar'25 Mar'24 Mar'25 In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 QoQ (%) YoY (%) Cur
Slide 8: Diversified loan book
1 Diversified loan book Increasing RAM Share Mar-22 Mar-23 Mar-24 Mar-25 Retail Retail Retail Retail 16.68% 17.21% 18.65% 22.16% ₹ Agri ₹ Agri ₹ ₹ 70,387 Cr 15.53% Agri 80,982 Cr 14.56% 85,964 Cr 14.57% 99,605 Cr Agri 13.51% MSME MSME 18.50% 18.35% MSME Corporate 18.51% Corporate Corporate Corporate
Slide 9: Retail Lending Portfolio
1 Retail Lending Portfolio Advances Mix (₹ Cr) Home Loan*(₹ Cr) 12,452 12,820 Period Ended Variation 8,946 Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 QoQ (%) YoY (%) Mar'24 Dec'24 Mar'25 *Including Direct Assignment Advances 85964 95870 99605 3.90% 15.87% Vehicle Loan (₹ Cr) 2,911 3,191 2,249 Retail
Slide 10: Advances Breakup of Major Industries / Sectors
1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Mar '24 Dec '24 Mar '25 % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Advances Advances Advances Infrastructure 14882 17.31 13481 14.06 14339 14.40 (Out of Which) Energy 5567 6.48 5281 5.51 62
Slide 11: Rating Profile of NBFCs
1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Mar '24 Dec '24 Mar '25 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total AAA rated 7865 65.73 7762 53.05 7404 50.47 AA rated 3760 31.43 6307 43.11 6717 45.79 A rated 339 2.83 552 3.77 542 3.69 Total A & above 11965 99.99 1462
Slide 12: Credit Profile
1 Credit Profile Credit – External Rating Wise (Above Rs. 5 Cr.) In ₹ Cr Mar-24 Other Quarter Ended Unrated 9% AAA Mar '24 Dec '24 Mar '25 22.02% Particulars (in ₹ Cr) % % % Govt. Amount Amount Amount Guar. ₹ to Total to Total to Total 29% 49883 Cr AA 21.67% AAA rated 10985 22.02 10593 19.49 10197 1
Slide 13: Key Financial Ratios
2 Key Financial Ratios Operating Profit (₹ Cr) Net Profit (₹ Cr) 2,075 1,016 1,131 595 816 282 313 458 484 189 240 257 260 277 336 317 153 139 182 114 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Mar'24 Mar'25 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 Mar'24 Mar'25 (12M) (12
Slide 14: Key Financial Ratios
2 Key Financial Ratios Yield on Advances (In %) Yield on Investments (In %) Yield on Funds (In %) 9.69 6.99 6.97 7.97 9.14 7.60 7.57 9.09 6.89 6.82 8.67 8.66 6.79 6.69 6.68 Mar'24 Dec'24 Mar'25 Mar'24 Mar'25 Mar'24 Dec'24 Mar'25 Mar'24 Mar'25 Mar'24 Dec'24 Mar'25 Mar'24 Mar'25 (12M) (12M) (12M) (12M
Slide 15: Key Financial Ratios
2 Key Financial Ratios Gross NPA Provision Coverage Ratio with TWO (In %) Gross NPA (₹ Cr) Gross NPA (%) 10000 6.80 7.00 100.00 6.23 9000 5.70 98.00 5.43 6.00 8000 96.00 7000 4.72 5.00 4.21 94.00 6000 5464 5106 3.83 4759 4665 3.38 4.00 92.00 91.38 5000 4145 3835 89.53 3676 3.00 90.00 88.58 88.54 88.
Slide 16: Key Financial Ratios
2 Key Financial Ratios Slippage Ratio (In %)* SMA1 and SMA2 (₹ Cr) (A/cs with exposure above Rs. 1 Crore.) 1.46 834 808 1.28 0.99 513 435 206 132 Mar'23 Mar'24 Mar'25 Mar'24 Dec'24 Mar'25 SMA 1 SMA 2 Credit Cost (In %)* Fresh Slippage (₹ Cr)* 0.20 967 903 801 -0.22 -0.66 Mar'23 Mar'24 Mar'25 Mar'23
Slide 17: Key Financial Ratios
2 Key Financial Ratios Return on Asset (%) Net-worth (₹ Cr) Business per Employee (₹ Lacs) 10,946 2,571 0.79 2,335 0.73 2,145 0.67 7,836 2,031 6,786 0.41 5,052 0.38 Mar'24 Dec'24 Mar'25 Mar'24 Mar'25 Mar'22 Mar'23 Mar'24 Mar'25 Mar'22 Mar'23 Mar'24 Mar'25 (12M) (12M) Return on Equity (%) Book Value
Slide 18: Operating & Net Profit
3 Operating & Net Profit In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 QoQ% YoY% Mar’24 Mar’25 YoY% Interest Income 2481 2931 3160 7.81 27.37 9694 11482 18.44 Interest Expenses 1792 1992 2038 2.31 13.73 6853 7698 12.33 Net Interest Income 689 939 1122 19.4
Slide 19: Total Income
3 Total Income In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 QoQ% YoY% Mar’24 Mar’25 YoY% Interest on Advances 1768 2104 2331 10.79 31.83 6951 8158 17.36 Interest on Investments 694 801 812 1.37 17 2656 3225 21.42 Other Interest Income 19 26 17 (34.62) (10
Slide 20: Total Expenses
3 Total Expenses In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 QoQ% YoY% Mar’24 Mar’25 YoY% Interest on Deposits 1651 1850 1813 (2.00) 9.81 6312 7078 12.13 Interest on Others 141 142 225 58.45 59.57 541 620 14.60 Total Interest Expenses (a) 1792 1992 2038
Slide 21: Balance Sheet
3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Mar’24 Dec’24 Mar’25 Capital 6778 6778 7096 Reserve & Surplus 8756 5007 6259 Deposits 119410 127397 129774 Borrowings 9771 12612 14230 Other Liabilities & Provision 2942 2914 4457 Total 147657 154708 161815 As on Assets (in ₹ Cr) Mar’24 Dec’24 Mar’
Slide 22: Asset Quality
4 Asset Quality In ₹ Cr Quarter Year Ended S. No. Particulars (in ₹ Cr) Mar’24 Dec’24 Mar’25 Mar’24 Mar’25 1 Gross NPA Opening Balance 4759 3835 3676 5648 4665 2 Cash recoveries 217 275 174 1077 659 3 Out of Above Cash recovery Income Booked 23 134 73 168 320 4 Up gradations 135 164 87 249 257 5 Tec
Slide 23: Asset Quality
4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Quarter Ended Fresh Slippages(Qtr) (₹ Cr) Particulars (in ₹ Mar '24 Dec '24 Mar '25 Cr) Ratio Ratio Ratio NNPA GNPA GNPA GNPA Retail (₹ Cr) Agri (₹ Cr) (%) (%) (%) (%) Retail 568 3.54 369 1.78 393 1.78 0.70 184 56 134 Agri 1228 9.81 1200 9.30 1264 9.39
Slide 24: 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 31.03.2025 No. of Account Outstanding No. of Account Outstanding Personal Loans 6250 556 2457 267 Other Exposures 419 1007 136 174 Total 6669 1563 2
Slide 25: Treasury Operations
6 Treasury Operations In ₹ Cr Particulars Mar’24 Dec’24 Mar’25 Domestic Investments 50668 46881 47694 • SLR Investments 32216 32910 33107 • Non-SLR Investments 18452 13971 14587 Category Wise Classification Particulars Mar’24 Dec’24 Mar’25 • Held to Maturity (HTM) 36309 30682 30000 • AFS + FVTPL(Inc
Slide 26: Treasury Operations
6 Treasury Operations In ₹ Cr % to Total Particulars Mar’24 Dec’24 Mar’25 (Mar’25) GROSS INVESTMENTS 50668 46881 47694 SLR INVESTMENTS 32216 32910 33107 69.42% (i) HFT - 3508 3838 8.05% (ii) AFS 7607 7072 7687 16.12% (iii) HTM 24609 22330 21582 45.25% NON-SLR INVESTMENTS (i) PSU Bonds 3335 3321 3180
Slide 27: Capital Adequacy
7 Capital Adequacy In ₹ Cr Period Ended Particulars Regulatory Requirement Mar '24 Dec '24 Mar '25 Amount % Amount % Amount % CET I (Including 8.00 9252 14.74 9716 14.04 11790 15.59 CCB) AT - 1 Tier I (Including CCB) 9.50 9252 14.74 9716 14.04 11790 15.59 Tier II 1519 2.42 1328 1.92 1369 1.82 Capita
Slide 28: Digital Journey
8 Digital Journey Particulars Digital UPI PSB UNIC UPI UPI Merchants Transactions Transactions Registrations Users QR On Boarded (No. in Cr.) (In Cr.) (In Lakhs) (In Lakhs) (In No.) * # (In No.) Mar’24 32.94 44.50 7.17 20.52 1,21,714 1,23,207 Mar’25 51.60 73.12 9.35 25.93 1,81,664 1,83,768 Growth 56
Slide 29: Shareholding Pattern & Credit Rating
8 Shareholding Pattern & Credit Rating Shareholding Pattern Others As on LIC 4.82% Particulars 1.33% Mar’24 Dec’24 Mar’25 Share Capital (Rs. In Cr.) 6777.79 6777.79 7095.59 Govt. of No. of Shares (Rs. In Cr.) 677.78 677.78 709.56 India 93.85% Net Worth (Rs. In Cr.) 7835.78 9234.41 10946.18 Govt. of
Slide 30: Geographical Presence - Expanding Branch Footprint across India
9 Geographical Presence - Expanding Branch Footprint across India Our Reach No. of % in Rural & Zone 1,047 Branches Semi Urban ATM’s North 969 65.43% 2,041 BCs Central 359 54.04% 367 Districts Covered Eastern 108 32.41% Western 72 18.06% Southern 66 10.61% Total Branches Total ATM opened opened duri
Slide 31: Priority Sector Lending
9 Priority Sector Lending Mandated S. No. Particulars Mar’25 Targets 1 Priority Sector % to ANBC 40.00% 44.24% 2 Agriculture - PS % to ANBC 18.00% 18.17% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.36% 4 Weaker Section % to ANBC 12.00% 11.51% 5 Micro Enterprises (PS) % to ANBC 7.50% 11.76
Slide 32: Financial Inclusion
10 Financial Inclusion Total No. of Accounts under MUDRA PMJDY Accounts Opened (₹ Lacs) Atal Pension Yojna (₹ Lacs) Scheme 26.56 7.11 125,121 5.63 23.30 119,354 Mar'24 Mar'25 Mar'24 Mar'25 Mar'24 Mar'25 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Bima Yojna Total amount of Balance outstandin
Slide 33: Launch of Digital Products
10 Launch of Digital Products Digital Car Loans DIGI MSME PSB E Apna Vahan Loans Highlights Paperless, end-to-end digital 100% lending journey Offers in <15 mins Omni-channel presence available 60% across touchpoints Approvals in <10 mins Customer-centric experience with <30 mins flexibility for cho
Slide 34: New Initiatives
9 New Initiatives 10 New Initiatives Q4 (FY 2024-25) Upcoming Initiatives (FY 2025-26) Check Corporate Mobile Currency Banking App Rates through PSB UnIC CBDC Application Supported Enable/ (Central Bank Tab Banking FD for NTB by Blocked Amount Disable AEPS Digital Customers (ASBA) debit Currency) tr
Slide 35: Digital Products- PSB UnIC Biz
9 Digital Products- PSB UnIC Biz 10 100+ Banking Features across Web & Mobile 0.65 Lakh + 50,000 + Registered Customers Active Customers | Sole Proprietor | Partnership | LLP | Pvt. Ltd. | Public Ltd. | TASC
Slide 36: Collaborations
9 Collaborations 10 MoU with Ministry of Defence to establish MoU on PSB Gaurav Bachat CAPF 60 web-based SPARSH Service Centres MoU with PUNBUS- Punjab Roadways for Package for salaried personnel, Salary accounts of employees of PAN India to provide last mile pensioners & Veer Naris with Indo- conne
Slide 37: Awards and Accolades
11 Awards and Accolades Best Tech Talent & Winner award for creating Honored with the “Highest DQI Organisation Award in the Emerged as winner under TOP awareness for MSMEs and Improvement Award’ in the Category of Small Banks at Improvers category in the EASE Runner-up award in promoting PSU Commer
Slide 38: ESG Initiatives
11 ESG Initiatives • Climate Risk & Green Deposit Policy for Sustainability. • Mobilized funds under Green Earth Deposit Scheme and financed ₹ 227.00 Cr in renewable energy sector. • Introduced environment friendly finance named as PSB GO-GREEN Financing Scheme. • ₹ 102.44 Cr sanctioned under PSB e-
Slide 39: Our Products
11 Our Products Our Products 39
Slide 40: Guidance
11 Guidance Guidance for Actual as on Parameters Achievement Guidance for FY'26 Mar’25 Mar’25 Deposit Growth 8-10% 8.68% 8-10% Advances Growth 10-12% 15.87% 15-16% RAM % to Total Advances >56% 55.15% >57% Gross NPA <4.5% 3.38% <2.5% Net NPA <1.5% 0.96% <0.75% PCR 89-90% 91.38% 92-93% Recovery & Upgr
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
THANK YOU Loan in 3 Clicks Co-Branded Credit Card Enjoy our seamless Mobile Banking through Follow our Official Page: @PSBIndOfficial