Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Non-Deal Roadshow (March 2025)
37 slides from Punjab & Sind Bank's roadshow presentation, Mar 1, 2025
Slide 1: Cover letter to stock exchanges on non-deal roadshows
Ref No: PSB/HO/Shares Cell / 97 /2024-25 March 1, 2025 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
Slide 2: Corporate Presentation March 2025
CORPORATE PRESENTATION March 2025 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 specific objectives, suitability, financial situations and needs of any particular person. This presentation does not constitute or form part of any offer or invitation
Slide 4: Table of Contents
Table of Contents Section 1 Punjab & Sind Bank Overview 4 Section 2 Key Investment Highlights 7 Section 3 Way Forward 24 Section 4 Financial Highlights 29 3
Slide 5: Overview
Overview
Slide 6: Punjab & Sind Bank – An Introduction
Punjab & Sind Bank – An Introduction Strong Legacy of Pan-India Presence Performance Committed to Premier Commercial through Multiple Track Record & High Standards Bank Delivery Channels Support from GoI of Corporate Governance • Incorporated in 1908 in Amritsar • Established franchise in • Diversif
Slide 7: Major Events and Milestones
Major Events and Milestones • STP journeys are launched for Housing Incorporated as Total business of the Total business of GoI infuses capital GoI infuses capital and Vehicle Loans Punjab & Sind Bank Bank for financial the Bank crosses of ₹ 787 crore of ₹ 4,600 crore Limited in Amritsar, year 2008-
Slide 8: Key Investment Highlights
Key Investment Highlights
Slide 9: Key Investment Highlights
Key Investment Highlights 1 Sustainable and Growing Business Profile since Fiscal 2022 2 Diversified Credit Portfolio with Increasing RAM Share Pan-India Branch Network for Servicing broad Customer Base and Stable CASA 3 & Retail Term Deposits Mix 4 Strong Capital Adequacy with Stable Credit Rating
Slide 10: Sustainable and Growing Business Profile since Fiscal 2022 (1/2)
1 Sustainable and Growing Business Profile since Fiscal 2022 (1/2) Total Business (₹ Cr) Total Deposits (₹ Cr) 33.81% 33.59% 32.42% 32.77% 31.16% 223,267 205,374 201,914 190,647 172,524 119,410 127,397 118,355 102,137 109,665 Mar-22 Mar-23 Mar-24 Dec-23 Dec-24 Mar-22 Mar-23 Mar-24 Dec-23 Dec-24 CASA
Slide 11: Sustainable and Growing Business Profile since Fiscal 2022 (2/2)
1 Sustainable and Growing Business Profile since Fiscal 2022 (1/2) Business Size Loan Book Mix Profitability Asset Quality Capital Structure For period ended As on December 31, 2024 As on December 31, 2024 As on December 31, 2024 As on December 31, 2024 December 31, 2024 8.87% ₹ 2,23,267 Cr ₹ 51,966
Slide 12: Diversified Credit Portfolio with Increasing RAM Share
2 Diversified Credit Portfolio with Increasing RAM Share Increasing RAM Share Mar-22 Mar-23 Mar-24 Dec-24 Retail Retail Retail Retail 16.68% 17.21% 18.65% 21.57% ₹ Agri ₹ Agri ₹ ₹ Agri 15.53% Agri 70,387 Cr 80,982 Cr 14.56% 85,964 Cr 95,870 Cr 13.45% 14.57% MSME MSME Corporate MSME Corporate MSME Co
Slide 13: Pan-India Branch Network and Stable CASA & Retail Term Deposits Mix
Pan-India Branch Network for Servicing broad Customer Base 3 and Stable CASA & Retail Term Deposits Mix Expanding Branch Footprint across India Balanced Liability Franchise with Stable CASA Mix As of December 31, 2024 Current 25 4.00% Branches opened up to Dec 31, 2024 Savings 27.16% 1,041 ATM’s ₹ 1
Slide 14: Strong Capital Adequacy with Stable Credit Rating & improving Net Worth
Strong Capital Adequacy with Stable Credit Rating & 4 improving Net Worth Capital to Risk-weighted Assets Ratio (%) Credit Rating (As of Dec 31, 2024) Infra Bonds Credit Rating CRISIL Ratings AA (Stable) Strong Capital 18.54% 17.10% 17.16% 16.13% 15.95% India Ratings AA (Stable) 3.74% Adequacy & 2.7
Slide 15: Improved Asset Quality (1/2)
4 Improved Asset Quality (1/2) Declining Slippage Ratio (%) Stable Provision Coverage Ratio (%) Reduction in NPAs (%) 12.17% 3.52% 87.89% 89.06% 88.69% 88.16% 89.53% 6.97% 5.43% 5.70% 1.46% 1.28% 3.83% 1.00% 0.76% 2.74% 1.84% 1.63% 1.80% 1.25% FY22 FY23 FY24 9MFY24 9MFY25 Mar-22 Mar-23 Mar-24 Dec-23
Slide 16: Rating Profile of Corporate Credit Exposure (2/2)
4 Rating Profile of Corporate Credit Exposure (2/2) Credit (Rated Exposure) – External Rating Wise (Above ₹ 5 Cr) Mar’22 Particulars Quarter Ended Unrated AAA 5% 10% Mar’22 Mar’23 Mar’24 Dec’24 AA Govt. 20% % to % to % to % to ₹ (In ₹ Cr) Amount Total Amount Total Amount Total Amount Total Guarantee
Slide 17: New Initiatives for Business Expansion and Digital Footprints (1/2)
Launch of New Initiatives for Business Expansion 5 along with Growing Digital Footprints (1/2) PSB UnIC – Flagship Mobile Banking Application Digital Car Loans Launched in Nov 2024 PSB E Apna Vahan Loans Highlights1 150+ Banking features 4.4 Paperless, end-to-end digital lending journey App rating (
Slide 18: Growing Digital Footprints and New Initiatives (2/2)
Growing Digital Footprints along with Launch of New 5 Initiatives for Business Expansion (2/2) Expanding Footprint through our Significant Growth in Digital Uptick in UPI and POS Flagship Application PSB UnIC Transaction & Remote Banking Transactions UPI Transactions Over 0.35 crores debit Digital t
Slide 19: Tie-ups & Collaborations
5 Tie-ups & Collaborations Tie up for with various MOU with Warehousing Collaborations for: - Tie up with defence third parties for improving Development & establishments for salary Retail Car Loans with Car fee income through Regulatory Authority for accounts:- Manufacturing Companies. financing ag
Slide 20: Track Record of Robust Financial Performance (1/3)
6 Track Record of Robust Financial Performance (1/3) Yield on Advances (%) Yield on Investments (%) Cost of Funds (%) 8.66% 8.66% 8.87% 7.67% 7.20% 6.79% 7.03% 5.80% 6.69% 6.63% 6.78% 5.63% 5.58% 4.41% 4.61% FY22 FY23 FY24 9MFY24 9MFY25 FY22 FY23 FY24 9MFY24 9MFY25 FY22 FY23 FY24 9MFY24 9MFY25 Cost
Slide 21: Track Record of Robust Financial Performance (2/3)
6 Track Record of Robust Financial Performance (2/3) Net Interest Income (₹ Cr) Operating Profit (₹ Cr) Net Profit (₹ Cr) 2,973.38 2,841.04 1,449.94 2,651.31 2,661.64 1,330.09 1,258.53 2,151.72 1,130.94 1,313.03 794.59 1,039.05 703.05 595.42 456.07 FY22 FY23 FY24 9MFY24 9MFY25 FY22 FY23 FY24 9MFY24
Slide 22: Track Record of Robust Financial Performance (3/3)
6 Track Record of Robust Financial Performance (3/3) Business per Branch (₹ Cr) Business per Employee (₹ Cr) 140.21 130.76 128.52 123.69 112.64 23.35 25.01 21.45 22.75 20.31 FY22 FY23 FY24 9MFY24 9MFY25 FY22 FY23 FY24 9MFY24 9MFY25 Book Value per share Liquidity Coverage Ratio (%) 13.62 254.45% 11.5
Slide 23: Seasoned Board with in-depth Sector Expertise
7 Seasoned Board with in-depth Sector Expertise Our Experienced Board of Directors Shri Swarup Kumar Saha Ms. M.G. Jayasree MD & CEO Ministry of Finance Nominee Director Overall experience of 34 years and appointed MD & CEO of Appointed as GoI Nominee Director on the Board in April- Punjab & Sind Ba
Slide 24: Continued Focus on ESG Initiatives
8 Continued Focus on ESG Initiatives Environment Social Governance ◼ Climate Risk & Green Deposit Policy for ◼ Organized 71 camps and trained 828 participants in ◼ Well defined Board level committees & policies Sustainability different RSETIs during Q3FY25. Training imparted are in place for better
Slide 25: Way Forward
Way Forward
Slide 26: Key Growth Strategies
Key Growth Strategies Key Strategies ▪ Tailor made RAM products ▪ Creation of MSME clusters and specialized branches for mid-corporate credit ▪ Digital lending in Retail, MSME, Co-lending & TReDS ▪ Augmenting Non-Fund & Forex Business ▪ Launch of new liability bundled products for savings, current a
Slide 27: Transformation of Branches into Smart Branches
Transformation of Branches into Smart Branches 26
Slide 28: Implemented Transformational Projects
Implemented Transformational Projects Technology Projects Digital Initiatives Infrastructure ✓ Upgraded treasury solution ✓ Introduced digital journey for retail and ✓ Structural changes to support consistency in corporate customers through omni channel performance ✓ Upgradation of CBS platform on F
Slide 29: Ongoing Transformational Projects
Ongoing Transformational Projects Next-Gen Contact Centralized Trade Risk Management / CASA Back Office Centre Finance Cyber Security Advanced EWS to track potential Streamlining Deposit and Account AI-powered for Personalized and Enhanced Customer Experience risks in real time Management Workflows
Slide 30: Financial Highlights
Financial Highlights
Slide 31: Summary of Assets and Liabilities
Summary of Assets and Liabilities In ₹ Cr As of As of As of As of As of Particulars December 31, December 31, March 31, 2024 March 31, 2023 March 31, 2022 2024 2023 Capital & Liabilities Capital 6,777.79 6,777.79 6,777.79 6,777.79 6,777.79 Reserves & Surplus 5,007.07 8,459.46 8,755.64 8,330.72 7,232
Slide 32: Summary of Profit and Loss
Summary of Profit and Loss In ₹ Cr For nine-month For nine-month Year ended Year ended Year ended Particulars ended December ended December March 31, 2024 March 31, 2023 March 31, 2022 31, 2024 31, 2023 Income Interest Earned 8,322.36 7,212.71 9,693.98 7,992.73 7,095.81 Other Income 890.89 808.52 1,
Slide 33: Key Financial Ratios
Key Financial Ratios For nine-month For nine-month Year ended Year ended Year ended Particulars ended December ended December March 31, 2024 March 31, 2023 March 31, 2022 31, 2024 31, 2023 Profitability Yield on Advances 8.87% 8.66% 8.66% 7.67% 7.20% Cost of Funds 5.80% 5.58% 5.63% 4.61% 4.41% Net I
Slide 34: Appendix
Appendix
Slide 35: Awards & Accolades
Awards & Accolades MSME EASE 5.0 Reforms: Banking Excellence Awards -2022 ◼ The first Position for Top MeitY Scorecard “Best Improvement in EASE 5.0 FY 2022-23 Emerging Bank” Award ◼ First Runner Up under the 1st Position amongst by Chamber Collaborative Development 14 Small & Micro focused Banking
Slide 36: 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 Bombay Stock Exchange PMSVANidhi Prime Minister Street Vendor's AtmaNirbhar Nidhi NSE National
Slide 37: Thank You
THANK YOU Loan in 3 Clicks Co-Branded Credit Card Enjoy our seamless Mobile Banking through Follow our Official Page: @PSBIndOfficial