Punjab & Sind Bank Ltd. · NSE:PSB

Punjab & Sind Bank — Q4 FY2025-26 Earnings Presentation

52 slides from Punjab & Sind Bank's earnings presentation, Apr 27, 2026

  1. Slide 1: Exchange cover letter for results presentation

    Ref No: PSB/HO/Shares Cell / 14 /2026-27 April 27, 2026 To, BSE Limited, National Stock Exchange of India Ltd., Department of Corporate Services, Exchange Plaza, C – 1, Block – G, 25th floor, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Bandra (East), Dalal Street, Fort, Mumbai – 400 051. Mumbai

  2. Slide 2: Financial Performance Q4 & FY 2025-26 Analyst Presentation

    ©@)PsB Unic You & | Connected — FINANCIAL PERFORMANCE — a Q4 & FY (2025-26) 3am —— ANALYST PRESENTATION —— fea) RELIABLE y DIGITAL BANKING | @ SECURE | & CONVENIENT DIGITAL KCC LOAN s PSB - Where Service is a way of Life @ 1800 419 8300 (Toll Free) Follow us @PSBIndOfficial flxfinlol cil

  3. Slide 3: Table of Contents

    Table of Contents Section 1 Key Highlights & Business Performance 3-17 Section 2 Key Financial Ratios 18-20 Section 3 Financial Performance & Balance Sheet 21-26 Section 4 Asset Quality 27-31 Section 5 Treasury Operations 32 Section 6 Capital Adequacy 33 Section 7 Shareholding Pattern & Credit Ratin

  4. Slide 4: Strong Business Growth Continues

    1 Strong Business Growth Continues Total Business Total Deposits Gross Advances CASA Deposits Retail Term ₹ 2,63,652 Crore ₹ 1,45,829 Crore ₹ 1,17,823 Crore ₹ 44,876 Crore Deposits ₹65047 Crore Growth – 14.94% Growth – 12.37% Growth – 18.29% Growth – 10.02% Growth – 19.58% (YoY) (YoY) (YoY) (YoY) (Y

  5. Slide 5: Consistency in Operational Income (FY)

    1 Consistency in Operational Income Operating Profit Net Profit Net Interest Core Fee Income Non Interest (FY 2025-26) (FY 2025-26) Income (FY 2025-26) Income ₹ 2182 Crore ₹1322 Crore (FY 2025-26) ₹ 759 Crore (FY 2025-26) ₹ 3812 Crore ₹ 1778 Crore Growth – 5.16% Growth – 30.12% Growth – 0.74% Growth

  6. Slide 6: Consistency in Operational Income (Q4)

    1 Consistency in Operational Income Operating Profit Net Profit Net Interest Core Fee Income Non Interest (Q4) FY25-26 (Q4) FY25-26 Income (Q4) FY25-26 Income ₹ 542 Crore ₹422 Crore (Q4) FY25-26 ₹ 228 Crore (Q4) FY25-26 ₹ 975 Crore ₹ 427 Crore Growth – (33.58)%* Growth – 34.82% Growth – (13.10)%* Gr

  7. Slide 7: Asset Quality – Significant Improvement

    1 Asset Quality – Significant Improvement Gross NPA (%) Net NPA (%) PCR PCR (Without Slippage Credit Cost (%) 2.40% 0.79% (With TWO) (%) TWO) (%) Ratio (%) 0.06% 90.91% 67.53% 0.70% 0.96 91.38 0.99 0.20 3.38 0.79 72.19 0.70 2.40 90.91 67.53 0.06 Mar'25 Mar'26 Mar'25 Mar'26 Mar'25 Mar'26 Mar'25 Mar'2

  8. Slide 8: Other Key Performance Highlights

    1 Other Key Performance Highlights – Driving Financial & Operational Improvement RAM Advances Segmental Credit Strong Capital Cost to Income Return on ₹ 69,276 Crore Growth (YoY) Adequacy Ratio reduced Assets (%) Growth – 26.11% CRAR (%) – 17.42% from 61.23% to ₹ 0.96%(Qtr) (YoY) Retail – 24.59% 60.

  9. Slide 9: Consistent Improvement in Bank Performance Driven by Structural Transformation

    Consistent Improvement in Bank Performance Driven by Structural 1 Transformation across all Core Dimensions Consistent and sustained improvement Channel Expansion Business Digital Customer Service Employee Capability Compliance Growth Enablement Excellence & Engagement and Risk • New asset & • Core

  10. Slide 10: Bank has been Growing at a Faster Rate in the Recent Years

    1 Bank has been Growing at a Faster Rate in the Recent Years Business growth From FY 2017-18 to Business growth From FY 2021-22 to All figures in Cr & Growth in CAGR FY 2021-22 FY 2025-26 Raised equity capital 1,219 Cr. via QIP in FY 2024–25 +9.31% +0.10% +13.75% +0.23% +11.18% +0.15% 2,63,652 1,72,

  11. Slide 11: Overall Business Mix – Consistent and Stable Growth

    1 Overall Business Mix – Consistent and Stable Growth Total Business (₹ Cr) Total Deposits (₹ Cr) Total Advances (₹ Cr) 1,45,829 2,63,652 1,29,774 2,29,379 1,19,410 1,17,823 2,05,374 1,09,665 99,605 1,90,647 85,964 80,982 Mar'23 Mar'24 Mar'25 Mar'26 Mar'23 Mar'24 Mar'25 Mar'26 Mar'23 Mar'24 Mar'25 M

  12. Slide 12: Stable Increase in Retail and CASA Deposits & Augmenting RAM Credit

    1 Stable Increase in Retail and CASA Deposits & Augmenting RAM Credit Deposits Delivered Steady Growth with a stable CASA and RTD RAM advances nearly doubled, driven by strong MSME and retail Share Improving the Overall Funding Mix and Stability growth, with improving mix strengthening overall loan

  13. Slide 13: Liability Franchise

    1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 1,09,923 44,876 1,06,377 65,047 63,190 43,187 54,397 95,187 40,790 Mar'25 Dec'25 Mar'26 Mar'25 Dec'25 Mar'26 Mar'25 Dec'25 Mar'26 In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 Q

  14. Slide 14: Segmental Lending Portfolio – Growth in all three RAM Segments

    1 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM Segments Advances Mix (₹ Cr) Home Loan (₹ Cr) 13507 13469 Period Ended Variation Particulars 12820 (in ₹ Cr) Mar’25 Dec’25 Mar’26 QoQ (%) YoY (%) Mar'25 Dec'25 Mar'26 Advances 99605 110297 117823 6.82% 18.29% Vehicle Loan (₹ Cr

  15. Slide 15: Segmented RAM Portfolio

    1 Segmented RAM Porfolio Retail Portfolio - ₹ 27498 Cr Agri Portfolio - ₹ 16610 Cr MSME Portfolio - ₹ 25169 Cr 23.34% 14.10 % 21.36 % of Advances of Advances of Advances In ₹ Cr In ₹ Cr In ₹ Cr Period Ended % Period Ended % Period Ended % Particulars Particulars Particulars Share Share Share (in ₹ C

  16. Slide 16: Advances Breakup of Major Industries / Sectors

    1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Mar'25 Dec'25 Mar'26 % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Advances Advances Advances Infrastructure 14339 14.40 13183 11.95 13999 11.88 (Out of Which) Energy 6207 6.23 5820 5.28 6765

  17. Slide 17: Rating Profile of NBFCs

    1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Mar'25 Dec’25 Mar’26 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total AAA rated 7404 50.32 6607 38.79 7861 44.53 AA rated 6717 45.65 8733 51.27 8278 46.89 A rated 542 3.68 1643 9.64 1470 8.33 Total A & above 14663 99.66 16983

  18. Slide 18: Credit Profile

    1 Credit Profile Credit – External Rating Wise (Above Rs. 5 Cr.) In ₹ Cr Quarter Ended Mar'25 Dec'25 Mar'26 Particulars (in ₹ Cr) % % % Amount Amount Amount to Total to Total to Total AAA rated 10197 18.52 10319 16.60 12188 18.05 AA rated 14397 26.15 16431 26.43 18064 26.75 A rated 6795 12.34 8476 1

  19. Slide 19: Key Financials

    2 Key Financials Operating Profit (₹ Cr) Net Profit (₹ Cr) 1322 2182 2075 1016 1131 595 * 816 422 540 505 594 542 282 313 295 336 458 484 240 269 336 317 139 182 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Mar'24 Mar'25 Mar'26 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 D

  20. Slide 20: Key Financial Ratios

    2 Key Financial Ratios Yield on Advances (In %) Yield on Investments (In %) Yield on Funds (In %) 9.69 * 9.09 6.99 7.97 8.39 8.66 8.38 6.89 7.57 8.05 6.79 7.14 7.16 6.72 6.93 6.66 6.60 6.68 Mar'25 Dec'25 Mar'26 Mar'24 Mar'25 Mar'26 Mar'25 Dec'25 Mar'26 Mar'24 Mar'25 Mar'26 Mar'25 Dec'25 Mar'26 Mar'2

  21. Slide 21: Key Financial Ratios

    2 Key Financial Ratios Cost to Income Ratio (In %) Return on Asset (In %) Return on Equity (In %) 72.16 0.96 14.29 61.32 0.79 0.79 0.79 12.40 11.71 11.55 60.21 61.23 60.97 10.82 54.61 0.67 8.14 0.41 Mar'25 Dec'25 Mar'26 Mar'24 Mar'25 Mar'26 Mar'25 Dec'25 Mar'26 Mar'24 Mar'25 Mar'26 Mar'25 Dec'25 Mar

  22. Slide 22: Increase in Core Fee Income is Driving Profitability

    3 Increase in Core Fee Income is Driving Profitability All figures in Cr & Core Fee Income (₹ Cr) Growth in CAGR • Focus on Trade finance. • Automation in Bank charges. • Upkeep of ATMs has 759 strengthened transaction- +17.33% based fee income. 622 491 • Set up Revenue Intelligence 404 Cell (RIC) t

  23. Slide 23: Operating & Net Profit

    3 Operating & Net Profit In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 QoQ% YoY% Mar’25 Mar’26 YoY% Interest Income 3160 3042 3030 (0.39) (4.11) 11482 11982 4.35 Interest Expenses 2038 2056 2055 (0.05) 0.83 7698 8170 6.13 Net Interest Income 1122* 986 975

  24. Slide 24: Total Income

    3 Total Income In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 QoQ% YoY% Mar’25 Mar’26 YoY% Interest on Advances 2331 2198 2178 (0.91) (6.56) 8158 8581 5.19 Interest on Investments 812 828 827 (0.12) 1.85 3225 3309 2.60 Other Interest Income 17 16 25 56.25 4

  25. Slide 25: Total Expenses

    3 Total Expenses In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 QoQ% YoY% Mar’25 Mar’26 YoY% Interest on Deposits 1813 1833 1840 0.38 1.49 7078 7290 3.00 Interest on Others 225 223 215 (3.59) (4.44) 620 880 41.94 Total Interest Expenses (a) 2038 2056 2055 (

  26. Slide 26: Other Operating Expenses

    3 Other Operating Expenses In ₹ Cr Quarter Variation Year Ended Variation Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 QoQ% YoY% Mar’25 Mar’26 YoY% Rent, Taxes & Lighting 41 41 41 - - 147 158 7.48 Printing & Stationery 3 3 3 - - 13 13 - Advertisement & Publicity 4 5 7 40.00 75.00 11 20 81.82 Depreciat

  27. Slide 27: Balance Sheet

    3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Mar’25 Dec’25 Mar’26 Capital 7096 7096 7096 Reserve & Surplus 6259 6829 7037 Deposits 129774 139202 145829 Borrowings 14229 14394 16352 Other Liabilities & Provision 4457 3213 2957 Total 161815 170734 179271 As on Assets (in ₹ Cr) Mar’25 Dec’25 Mar

  28. Slide 28: Asset Quality

    4 Asset Quality In ₹ Cr Quarter Year Ended S. No. Particulars (in ₹ Cr) Mar’25 Dec’25 Mar’26 Mar’25 Mar’26 1 Gross NPA Opening Balance 3676 3082 2871 4665 3370 2 Cash recoveries 174 134 191 659 531 Out of Above Cash recovery Income 3 73 30 36 320 116 Booked 4 Up gradations 87 65 59 257 173 5 Technic

  29. Slide 29: Structured Interventions to Improve Collection Efficiency

    4 Structured Interventions to Improve Collection Efficiency Collection Efficiency Dedicated on-ground team for collections Strengthening Follow-Up Mechanisms through 67% March 2022 Automated reminders (SMS & calls) NACH registration for digital loans, Regular training of collection team for negotiat

  30. Slide 30: Asset Quality

    4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Quarter Ended Fresh Slippages(Qtr) (₹ Cr) Particulars Mar’25 Dec'25 Mar’26 (₹ Cr) Ratio Ratio Ratio NNPA GNPA (%) GNPA (%) GNPA (%) (%) Retail (₹ Cr) Agri (₹ Cr) Retail 393 1.78 333 1.35 305 1.11 0.46 134 Agri 1264 9.39 1202 7.50 1230 7.41 2.89 110 MSME

  31. Slide 31: Asset Quality

    4 Asset Quality Gross NPA (In %) Provision Coverage Ratio with TWO (In %) 7.00 Gross NPA (₹ Cr) Gross NPA (%) 10,000 6.00 5.43 8,000 5.00 4.72 4.21 92.23 4.00 3.83 6,000 91.38 91.77 91.88 4,665 3.38 3.34 90.91 4,145 3,835 2.92 3.00 3,676 3,370 2.60 2.40 3,339 3,082 4,000 89.53 2,871 2,831 88.69 88.5

  32. Slide 32: Asset Quality

    4 Asset Quality Slippage Ratio (In %) Credit Cost (In %) 0.33 0.34 0.29 0.21 0.17 0.16 0.02 0.05 0.02 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 -0.03 Fresh Slippage (₹ Cr) SMA1 and SMA2 (₹ Cr) (above Rs. 5 Crore) 623 355 569 491 515 * 268 203 164 168 120 96 Mar'25 Jun'25

  33. Slide 33: Treasury Operations

    5 Treasury Operations In ₹ Cr % to Total Particulars Mar’25 Dec’25 Mar’26 (Mar’26) GROSS INVESTMENTS 47694 49789 50127 SLR INVESTMENTS 33107 34649 34915 69.65 (i) HFT 3838 2649 2651 5.29 (ii) AFS 7687 8898 8786 17.53 (iii) HTM 21582 23102 23478 46.84 NON-SLR INVESTMENTS (i) PSU Bonds 3180 3406 3463

  34. Slide 34: Capital Adequacy

    6 Capital Adequacy In ₹ Cr Period Ended Regulatory Requirement Mar'25 Dec'25 Mar'26 Particulars (%) Amount % Amount % Amount % CET I (Including CCB) 8.00 11790 15.59 11640 15.28 13002 15.92 AT - 1 Tier I (Including CCB) 9.50 11790 15.59 11640 15.28 13002 15.92 Tier II 1369 1.82 1181 1.55 1220 1.49 C

  35. Slide 35: Shareholding Pattern & Credit Rating

    7 Shareholding Pattern & Credit Rating Shareholding Pattern Others As on LIC 4.82% Particulars 1.33% Mar’25 Dec’25 Mar’26 Share Capital (Rs. In Cr.) 7095.59 7095.59 7095.59 Govt. of India No. of Shares (Rs. In Cr.) 709.56 709.56 709.56 93.85% Net Worth (Rs. In Cr.) 10945 11664 11945 Govt. of India L

  36. Slide 36: Network Expansion & Improvement

    8 Network Expansion & Improvement Gurdaspur Hoshiarpur Total 5800+ touch points Jalandhar Moga Shimla Amritsar Ludhiana Panchkula 1654 operational branches Faridkot Patiala Chandigarh Dehradun Chandigarh Bhatinda Delhi- I Delhi- II Noida Lucknow 5 Zones pushing business growth Gurugram Bareilly Delh

  37. Slide 37: Expanded ATM and BC Network to Strengthen Last-mile Customer Access

    8 Expanded ATM and BC Network to Strengthen Last-mile Customer Access ATM Network BC Network • ATMs increased from 573 to 1161 since FY22 • BCs increased from 387 to 3027 since FY22 • Avg ATMs per zone increased from 22 (FY22) • Avg BCs per zone increased from 15 (FY22) to 40 (FY26) to 104 (FY26) 36

  38. Slide 38: Priority Sector Lending

    9 Priority Sector Lending Mandated S. No. Particulars Mar’26 Targets 1 Priority Sector % to ANBC 40.00% 46.44% 2 Agriculture - PS % to ANBC 18.00% 19.11% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.80% 4 Weaker Section % to ANBC 12.00% 12.06% 5 Micro Enterprises (PS) % to ANBC 7.50% 13.00

  39. Slide 39: Financial Inclusion

    10 Financial Inclusion PMJDY Accounts Opened Total No. of Accounts under Atal Pension Yojna (₹ Lacs) (₹ Lacs) MUDRA Scheme 28.98 8.73 1,66,649 7.11 1,25,121 26.56 Mar'25 Mar'26 Mar'25 Mar'26 Mar'25 Mar'26 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Bima Total amount of Balance O/s in Bima Yo

  40. Slide 40: ESG Initiatives

    10 ESG Initiatives • Climate Risk & Green Deposit Policy • Organized 27 training batches and • Well defined Board level Committee for Sustainability. trained 855 trainees in different RSETIs & Policies are in place for better • Mobilized funds under Green Earth during Q4 (2025-26). Control and Gover

  41. Slide 41: New Features & Security getting Continuous Upgradation

    11 New Features & Security getting Continuous Upgradation Digital Loan Journeys Security Features New Features in Acquisition Experience Acquisition of PSB UniC PSB UniC  Digital Deposit Journey 210+ 26L+ 1 Transaction limits 1 E-Overdraft against Bank Deposit Services in 2 2-factor Mobile App Down

  42. Slide 42: Transforming RAM lending through Scaled Digital Enablement

    11 Transforming RAM lending through Scaled Digital Enablement Retail Retail • PSB E Apna Ghar Loan Enhanced Security & Trust • PSB E Apna Vahan Loan through Fraud Controls • PM Surya Ghar Bijli Yojna • Education Loan • Seamless, end-to-end digital customer journeys • Personal Loan • Pre-Owned Car •

  43. Slide 43: 2X spend on IT budget to Strengthen Tech & Digital Foundation

    11 2X spend on IT budget to Strengthen Tech & Digital Foundation through Core System Upgrades and Ecosystem Integration Back-end Strengthening Seamless Front-end Experience Straight-through Enterprise Integration Automation Introduced UniC Platform AI Chatbot Integrated HRMS, NSDL, Enabled E2E IRAC,

  44. Slide 44: Strengthened customer engagement and trust through digital outreach

    11 Strengthened customer engagement and trust through digital outreach, service excellence, and secure platforms Next-Gen Contact Centers for Enhanced security & trust Strengthened Digital Outreach better service excellence through fraud controls Digital Marketing via SMS, Standardized Call Centers

  45. Slide 45: 24x7 Contact Centers enable Faster Resolution

    11 24x7 Contact Centers enable Faster Resolution, Higher Satisfaction and Lower Costs 24x7 Customer Quick Problem Better Customer Cost-Effective Increased Support Resolution Satisfaction for Bank Security 24/7 support enables Enables instant Quick issue Centralized call Enables instant card customer

  46. Slide 46: Strengthening Operational Risk & Cyber Fraud Management

    11 Strengthening Operational Risk & Cyber Fraud Management through Unified Fraud Controls Unified fraud controls: Automated risk management across all channels i4C Integration RBIH Mule EFRMS FRI / MNRL (GoI) Hunter Direct MHA– AI/ML detects mule Real-time transaction FRI flags risky i4C/NCRP link f

  47. Slide 47: Strengthened employee engagement through an employee-centric ecosystem

    Strengthened employee engagement by building an employee-centric 11 ecosystem spanning value proposition and wellbeing Employee Engagement Health and Financial & Wellbeing Lifestyle Benefits • Physiotherapists • Holiday Homes Centralized platform for employee • Medical • Allowances Kutumb app benefi

  48. Slide 48: Multi-channel learning ecosystem for capability building

    Built a comprehensive, multi-channel learning ecosystem to drive 11 targeted capability building and leadership development Learning and development 26K+ 7X 9K+ Specialized learning with IIBF, NIBM, Institution-led Trainings Increase in Unique IDRBT and other institutes; nominations to Trainings fro

  49. Slide 49: Project Navjyoti outcome-led performance management

    Project Navjyoti focused on driving outcome-led performance 11 management with integrated toolsets Employee facing tools Navjyoti Tools Role Clarity Scorecard/Profiler Merit Culture Culture of merit, fairness & transparency Appraisals Target and actual collation Grievance Redressal Platform Employee

  50. Slide 50: Guidance

    12 Guidance Actual as on Parameters Guidance for FY'26 Achievement Guidance for FY'27 Mar’26 Deposit Growth (YoY) 12.37% 8-10% 13-14% Advances Growth (YoY) 18.29% 15-16% 16-18% RAM % to Total Advances 58.80% >57% >60% Gross NPA 2.40% <2.50% <2.0% Net NPA 0.79% <0.75% <0.65% PCR 90.91% 92-93% 92-93%

  51. Slide 51: 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

  52. Slide 52: Thank You

    Loan in THANK YOU 3 Clicks Co-Branded Credit Card Enjoy our seamless Mobile Banking through Follow our Official Page: @PSBIndOfficial

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