Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Investor Presentation (September 2026)
39 slides from Punjab & Sind Bank's investor presentation, Sep 1, 2026
Slide 1: Submission of Corporate Presentation to Exchanges
Ref No: PSB/HO/Shares Cell / 44 /2026-27 September 1, 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. Mum
Slide 2: Corporate Presentation September 2026
CORPORATE PRESENTATION September 2026 Follow our Official Page: @PSBIndOfficial
Slide 3: Disclaimer
Disclaimer This presentation is issued by Punjab & Sind Bank (the “Bank”) for general information purposes only, without regard to any specific objectives, suitability, financial situations and needs of any particular person. This presentation does not constitute any recommendation or form part of a
Slide 4: Disclaimer
Disclaimer This presentation includes certain industry data and projections that have been obtained from industry publications and surveys. Industry publications and surveys and forecasts generally state that the information contained therein has been obtained from sources believed to be reliable, b
Slide 5: Table of Contents
Table of Contents Section 1 Overview 4 Section 2 Key Investment Highlights 7 Section 3 Way Forward 27 Section 4 Financial Highlights 31 Privileged & Confidential, © All Rights Reserved. 4
Slide 6: Overview
Overview
Slide 7: Punjab & Sind Bank – An Introduction
Punjab & Sind Bank – An Introduction Pan-India Presence Committed to High Strong Legacy as a Track Record & Support through Multiple Delivery Standards of Corporate Premier Commercial Bank from GoI Channels Governance ● Incorporated in 1908 in ● Established PAN-India ● Diversified loan portfolio ● W
Slide 8: Major Events and Milestones
Major Events and Milestones ● Incorporated as Punjab & Sind ● Nationalized along with five other 1908 Bank Limited in Amritsar, Punjab 1980 banks ● Total business of the Bank crosses ● Total business of the Bank for 2010 ₹ 81,000 Cr & Net Profit of ₹ 500 2009 financial year 2008-09 crosses Cr ₹ 50,0
Slide 9: Key Investment Highlights
Key Investment Highlights
Slide 10: Key Investment Highlights
Key Investment Highlights Sustainable and Growing Business Profile 1 Diversified Credit Portfolio with Increasing Continued Focus on ESG Initiatives RAM Share 8 2 Five transformation pillars underpinning 7 3 Pan-India Branch Network and Stable Digital-Led Growth CASA & Retail Term Deposits Mix 6 4 S
Slide 11: Sustainable and Growing Business Profile (1/2)
Sustainable and Growing Business Profile (1/2) 1 Total Business (₹ Cr) Total Deposits (₹ Cr) 266,420 32.42% 31.43% 30.77% 30.59% 30.06% 263,652 229,379 231,132 205,374 145,829 147,130 119,410 129,774 131,182 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 CASA Ratio % Total Adv
Slide 12: Sustainable and Growing Business Profile (2/2)
Sustainable and Growing Business Profile (2/2) 1 Business Size Loan Book Mix Profitability Asset Quality Capital Structure For period ended As on June 30, 2026 As on June 30, 2026 As on June 30, 2026 As on June 30, 2026 June 30, 2026 8.15% ₹ 2,66,420 Cr ₹ 71,596 Cr 2.21% ₹ 12,500 Cr Yield on Total B
Slide 13: Diversified Credit Portfolio with Increasing RAM Share
Diversified Credit Portfolio with Increasing RAM Share 2 Increasing RAM Share Mar-24 51.73% Mar-25 55.15% Mar-26 58.80% Jun-26 60.02% 18.65% 23.34% 25.82% 22.16% 41.20% 39.98% 48.27% 14.57% 44.85% 13.51% 14.10% 13.38% 18.51% 19.48% 21.36% 20.82% Corporate Retail Agri. MSME RAM % Home Loan (₹ Cr)* Ve
Slide 14: Pan-India Branch Network and Stable CASA & Retail Term Deposits Mix
Pan-India Branch Network for Servicing broad Customer Base and Stable 3 CASA & Retail Term Deposits Mix Expanding Branch Footprint across India Balanced Liability Franchise with Stable CASA Mix Current As of June 30, 2026 1,679 Branches opened 4.02% Savings up to Jun 30, 2026 26.04% 1,188 ATMs CASA:
Slide 15: Strong Capital Adequacy with Stable Credit Rating & Improving Net Worth
Strong Capital Adequacy with Stable Credit Rating & Improving Net Worth 4 Strong Capital Adequacy & Stable Credit Rating Net-worth & Leverage Ratio (Basel III) Capital to Risk-weighted Assets Ratio (%) Net-worth (₹ Cr) 17.16% 17.41% 17.42% 17.90% 17.61% 12,500 11,945 10,945 11,315 1.82% 1.50% 1.88%
Slide 16: Improved Asset Quality
Improved Asset Quality 4 Declining Slippage Ratio (%) Reduction in Gross NPAs (%) Reduction in Net NPAs (%) 5.43% 1.28% 0.99% 0.84% 3.38% 3.34% 0.70% 0.72% 2.40% 2.21% 1.63% 0.96% 0.79% 0.91% 0.65% FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 Fresh Slippages
Slide 17: Rating Profile of Corporate Credit Exposure
Rating Profile of Corporate Credit Exposure 4 Credit (Rated Exposure) – External Rating Wise (Above ₹ 5 Cr) Particulars Quarter Ended Mar’24 Mar’25 Mar’26 Jun’26 % to % to % to % to (In ₹ Cr) Amount Amount Amount Amount Total Total Total Total AAA rated 10,985 22.02% 10,197 18.52% 12,188 18.05% 14,7
Slide 18: Track Record of Robust Financial Performance (1/3)
Track Record of Robust Financial Performance (1/3) 5 Yield on Advances (%) Yield on Investments (%) Cost of Funds (%) 9.09% 5.82% 6.99% 5.77% 8.66% 5.63% 5.63% 8.47% 6.79% 6.80% 8.38% 6.72% 6.66% 5.47% 8.15% FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 Cost
Slide 19: Track Record of Robust Financial Performance (2/3)
Track Record of Robust Financial Performance (2/3) 5 Net Interest Income (₹ Cr) Operating Profit (₹ Cr) Net Profit (₹ Cr) 3,812 2,182 1,322 3,784 2,075 1,016 2,841 1,131 595 900 1,038 540 545 331 269 FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 Net-worth (₹
Slide 20: Track Record of Robust Financial Performance (3/3)
Track Record of Robust Financial Performance (3/3) 5 Business per Branch (₹ Cr) Business per Employee (₹ Cr) 158.32 157.62 25.71 141.67 142.99 130.76 24.74 23.35 23.58 21.75 FY24 FY25 FY26 Q1FY26 Q1FY27 FY24 FY25 FY26 Q1FY26 Q1FY27 Book Value per share (₹) Liquidity Coverage Ratio (%) 17.62 138.23%
Slide 21: Seasoned Board with in-depth Sector Expertise
Seasoned Board with in-depth Sector Expertise 6 Our Experienced Board of Directors Shri Jitendra Asati Shri Swarup Kumar Saha Ministry of Finance Nominee Director MD & CEO Overall experience of more than three decades and was appointed as Appointed as GoI Nominee Director on the Board in September-2
Slide 22: Five transformation pillars underpin digital-led growth agenda
Five transformation pillars underpin Punjab & Sind Bank's digital-led growth 7 agenda The transformation journey from core technology and digital acquisition to products, trust and people execution 1 2 3 4 5 Modern Technology And People, Capability and Operating Foundation Performance Engine 2x IT b
Slide 23: A modernized technology stack is enabling scale, automation and omnichannel delivery
A modernized technology stack is enabling scale, automation and 7 omnichannel delivery Back-end strengthening and front-end transformation are being pursued in parallel Back-end Strengthening Seamless Front-end Experience 2x IT BUDGET Enterprise Integration Unified UnIC Platform 1 HRMS, NSDL, UIDAI,
Slide 24: Digital adoption is scaling rapidly across transactions, customers and merchants
Digital adoption is scaling rapidly across transactions, customers and 7 merchants Broad-based growth across every tracked digital metric is strengthening the bank's acquisition and engagement engine Digital Scale-up: Jun 2025 → Jun 2026 01. % of Digital Transactions 02. UPI Transactions (Cr.)# 03.
Slide 25: Product and ecosystem innovation is widening wallet share
Product and ecosystem innovation is widening wallet share across 7 customer segments The portfolio spans digital lending, institutional payments, onboarding utilities and differentiated propositions Retail: E Apna Ghar, E Apna Vahan, PM Surya Ghar Bijli Yojna, pre-owned car and Digi Jewel / 01 02 Pa
Slide 26: Unified service and security architecture strengthening trust
A unified service and security architecture is strengthening trust while 7 lowering cost-to-serve Customer engagement, 24x7 resolution and real-time fraud controls are being integrated across channels Continuous UNiC Upgrades: E-overdraft / e-loan against deposits | online NRI FD open-close | simpli
Slide 27: People transformation is strengthening capability, engagement and accountability
People transformation is strengthening capability, engagement and 7 performance accountability Employee experience, targeted learning and transparent outcome-led HR tools are reinforcing execution capacity Navjyoti Employee Experience And Wellbeing Multi-channel Capability Building Outcome-led Perfo
Slide 28: Continued Focus on ESG Initiatives
Continued Focus on ESG Initiatives 8 Environment Social Governance ● Climate Risk & Green Deposit Policy for ● Organized 09 training batches and trained ● Well defined Board level committees & Sustainability 272 trainees in different RSETIs during Q1 policies are in place for better control and (202
Slide 29: Way Forward
Way Forward 28
Slide 30: Key Growth Strategies
Key Growth Strategies 1 2 3 4 5 ✓ Tailor made RAM ✓ Launch of new ✓ Increasing cross- ✓ Expansion of ✓ Dedicated credit products liability bundled selling through Delivery Channel monitoring for: products for third-party in uncovered ✓ Creation of MSME savings, current collaborations to districts. ✓
Slide 31: Implemented Transformational Projects
Implemented Transformational Projects Technology Projects Digital Initiatives Infrastructure ● Upgraded Treasury Solution ● Introduced digital journey for ● Implementation of Structural retail and corporate customers changes to support consistent ● Upgradation of CBS platform on through omni channel
Slide 32: Ongoing Transformational Projects
Ongoing Transformational Projects CASA Back Office ● Streamlining Deposit and Account Management Workflows HR Transformation Next-Gen Contact Centre and CRM ● PMS for monitoring employee performance digitally ● AI-powered for Personalized and Effective Customer through KRAs Support ● Lateral hiring
Slide 33: Financial Highlights
Financial Highlights 32
Slide 34: Summary of Assets and Liabilities
Summary of Assets and Liabilities In ₹ Cr As of June 30, As of June 30, As of As of As of Particulars 2026 2025 March 31, 2026 March 31, 2025 March 31, 2024 Capital & Liabilities Capital 7,096 7,096 7,096 7,096 6,778 Reserves & Surplus 7,538 6,562 7,037 6,259 8,756 Deposits 1,47,130 1,31,182 1,45,82
Slide 35: Summary of Profit and Loss
Summary of Profit and Loss In ₹ Cr For three-month For three-month Year ended Year ended Year ended Particulars ended June 30, ended June 30, March 31, 2026 March 31, 2025 March 31, 2024 2026 2025 Income Interest Earned 3,213 2,910 11,982 11,481 9,694 Other Income 332 469 1,778 1,568 1,221 Total Inc
Slide 36: Key Financial Ratios
Key Financial Ratios For three-month For three-month Year ended Year ended Year ended Particulars ended June 30, 2026 ended June 30, 2025 March 31, 2026 March 31, 2025 March 31, 2024 Profitability Yield on Advances 8.15% 8.47% 8.38% 9.09% 8.66% Cost of Funds 5.47% 5.77% 5.63% 5.82% 5.63% Net Interes
Slide 37: Appendix
Appendix 36
Slide 38: Key Abbreviations
Key Abbreviations Abbreviations Expansion Abbreviation Expansion ATM Automated Teller Machine RSETIs Rural Self Employment Training Institutes BC Business Correspondents FLCs Financial Literacy Centres BSE BSE Ltd PMSVANidhi Prime Minister Street Vendor's AtmaNirbhar Nidhi NSE National Stock Exchang
Slide 39: Thank You
Follow our Official Page: @PSBIndOfficial Loan in 3 Clicks Co-Branded Credit Card Thank You Enjoy our seamless Mobile Banking through
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