Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q4 FY2021-22 Earnings Presentation
51 slides from Punjab & Sind Bank's earnings presentation, 2022
Slide 1: Financial Performance (Q4) FY 2021-22
पंजाब एंड स ध ं बैंक Punjab & Sind Bank भारत सरकार का उपक्रम A Government of India Undertaking Financial Performance (Q4) FY 2021-22 PSB – where service is a way of life…. www.punjabandsindbank.co.in Email ID: ho.customerexcellence@psb.co.in 1
Slide 2: Agenda
Highlights & Business Performance 3-12 Asset Quality 13-21 Investment 22-23 Financial Performance 24-30 Capital and Shareholding Pattern 31-34 Balance Sheet 35-36 Key Financial Ratios 37-41 Awards & Accolades 42-42 Geographical Presence & Financial Inclusion 43-46 Digital Initiative 47-50 2
Slide 3: Highlights & Business Performance
Highlights & Business Performance 3
Slide 4: Highlights
Highlights 7228 bps Operating Profit Net Interest Margin 18 bps Y-o-Y Rs. 1330 Cr. 2.80 % Y-o-Y 13802 bps Net Profit Return on Asset 340 bps Y-o-Y Rs. 1039 Cr. 0.85% Y-o-Y Provision Coverage 951 CASA 500 bps Ratio bps Y-o-Y Rs. 34528 Cr. Y-o-Y 87.89 % Cost to Income 1245 Ratio Gross NPA 159 bps bps
Slide 5: Business
Business (Rs in Crore) QoQ Growth Outstanding as of Parameters (%) YoY Growth (%) Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 (Sequential) Total 163919 166411 169484 167061 172524 3.27 5.25 Business Total 96108 98478 101910 100351 102137 1.78 6.27 Deposits Total 67811 67933 67574 66710 70387 5.51 3.80 Advanc
Slide 6: CASA
CASA (Rs in Crore) Outstanding as of QOQ Growth YOY Parameters (%) Growth Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 (Sequential) (%) Current Deposits 4123 3446 3585 3680 4153 12.85 0.73 Savings Deposits 27407 27386 27235 29069 30375 4.49 10.83 CASA Deposits 31530 30832 30820 32749 34528 5.43 9.51 CASA (%)
Slide 7: Composition of Advances
Composition of Advances (Rs in Crore) Variation over Outstanding as of % to % to Mar’21 Gross Gross Particulars Advances Advances Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Amt % (Mar’21) (Mar’22) RAM 32315 31049 32655 33557 35692 3377 10.45 47.65 50.71 Corporate Advances 35496 36884 34919 33153 34695 (801)
Slide 8: RAM Advances
RAM Advances (Rs in Crore) Variation over Outstanding as of Mar’21 Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Amt % RAM 32315 31049 32655 33557 35692 3377 10.45 • Retail 10180 10204 10609 11140 11737 1557 15.29 • Agriculture 10638 9710 10308 10296 10934 296 2.78 • MSME 11497 11135 11738 12121 13
Slide 9: Exposure to Major Industries
Exposure to Major Industries (Rs in Crore) Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Amount Amount Amount Amount Amount Sector % % % % % Infrastructu 14354 21 15478 23 15729 23 15865 24 15969 23 re (Out of Power 4379 6 5307 8 5842 9 6162 9 6575 9 Which) Telecom 1315 2 963 1 910 1 1074 2 991 1 Roads, Ports,
Slide 10: Priority Sector Lending
Priority Sector Lending (Rs in Crore) Increase Increase Sl. Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 QoQ % YoY % (Sequential) 1 Agriculture 12868 11845 12282 12012 12551 4.49 (2.46) 2 MSME 10122 * 11835 12457 12269 ** 13196** 7.56 30.37 3 Other PSL 5238 5275 5208 5137 5431 5.72 3.68 Total PSL
Slide 11: Performance under Priority Sector
Performance under Priority Sector (Rs in Crore) Priority Small/Margin Weaker Micro under Non Sector Agriculture al Farmers Section MSME Corporate Farmers Mandatory Target 40 18 9 11 7.50 12.73 (% to ANBC) % 50 20 12 13 11 17 As on 31.03.2022 Amount 31178 12551 7334 8017 7073 10795 All the five manda
Slide 12: Retail Lending
Retail Lending (Rs in Crore) Increase Increase Sl. Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 QoQ % (Sequential) YoY % 1 Housing 6713 6675 6727 6945 7159 3.08 6.64 2 Vehicle 1301 1306 1407 1519 1614 6.25 24.06 3 Personal 207 201 219 240 291 21.25 40.58 4 Other Retail 1959 2022 2256 2436 2674 9.7
Slide 13: Asset Quality
Asset Quality 13
Slide 14: Highlights - Asset Quality
Highlights - Asset Quality Gross NPA as % of Net NPA as % of Gross Advances Net Advances 14.54 14.44 13.76 4.04 3.81 13.33 3.61 3.01 2.74 12.17 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Provision Coverage Ratio (%) 87.77 87.89 84.22 84.44 82.89 Mar'21 Jun'21 Sep'21 Dec'21
Slide 15: Asset Quality
Asset Quality (Rs in Crore) 5569 2163 Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 833 Standard 58477 58878 57751 57074 61822 Sub – 1501 1354 2344 842 833 Standard Mar’22 Doubtful 4744 4626 4707 5937 5569 Loss 3089 3075 2772 2857 2163 61822 Standard Total Advances 67811 67933 67574 66710 70387 Sub
Slide 16: Movement of NPA
Movement of NPA (Rs in Crore) Particulars Quarter Full Year Sr. No Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Mar’21 Mar’22 Gross NPA Opening 1 8490 9334 9055 9823 9636 8875 9334 Balance 2 Cash recoveries 531 194 530 230 305 927 1116 Out of Above Cash recovery 3 9 45 38 7 16 48 105 Income Booked 4 Up gradat
Slide 17: Sector wise NPA
Sector wise NPA (Rs in Crore) Sector Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Agriculture 918 839 840 833 944 MSME 2098 2088 1949 1851 1821 Retail 657 659 609 633 597 Corporate 5661 5469 6425 6319 5203 17
Slide 18: Corporate NPAs
Corporate NPAs (Rs in Crore) Industry Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Iron and Steel 187 185 179 171 192 Engineering 101 96 81 0 91 Textile 457 457 455 334 506 Infra-energy 669 785 777 774 771 Infra-Transport 814 816 909 961 807 Infra-Others 405 404 387 290 358 Food Processing 100 99 95 49 64 Woo
Slide 19: Restructured Advances
Restructured Advances (Rs in Crore) Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Sector Amount % Amount % Amount % Amount % Amount % Power 82 4.45 263 8.90 263 7.63 261 7.62 233 7.01 Textiles 229 12.44 236 7.98 192 5.57 192 5.60 227 6.83 Hotel 46 2.50 141 4.77 135 3.92 151 4.41 137 4.12 Other 264 14.34 300 10
Slide 20: SMA – Sector wise
SMA – Sector wise (Rs in Crore) 31.03.2021 30.06.2021 30.09.2021 31.12.2021 31.03.2022 Sector S. No. SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 1 Retail 186 1247 13 710 44 636 720 97 583 1592 725 640 1713 1387 61 2 Agriculture 62 440 21 180 346 186 165
Slide 21: Status of NCLT
Status of NCLT (Rs in Crore) As on 31.03.2022 Category No. of Accounts Exposure Provision PCR (%) RBI List I 3 258 258 100 RBI List II 1 23 23 100 Accounts filed by Bank 1 65 65 100 Accounts filed by other Banks 45 3588 3418 95 Total 50 3934 3764 96 21
Slide 22: Investment
ii5-——= Azadi ka Amrit Mahotsav on Investment
Slide 23: Investments
Investments (Rs in Crore) % to Total Particulars Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 (Mar 22) GROSS INVESTMENTS 32518 36372 37553 37651 42766 SLR INVESTMENTS i) Treasury Bills 457 1018 946 757 659 2.43 ii) CG securities 11763 14282 13133 13579 13935 51.48 iii) State Govt. Securities 7104 9416 12001 1
Slide 24: Financial Performance
Financial Performance 24
Slide 25: Highlights - Financial Performance
Highlights - Financial Performance Operating Profit (Rs. in Crore) Net Profit (Rs. In Crore) 380 332 346 301 317 301 218 184 174 161 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Net Interest Income (NII) Net Interest Margin (NIM) (%) (Rs. In Crore) 3.17 758 2.90 697 2.50 2.6
Slide 26: Operating Profit
Operating Profit (Rs in Crore) Quarter Variation Full Year Variation Particulars Mar’21 QoQ% YoY% Mar’21 Mar’22 Jun’21 Sep’21 Dec’21 Mar’22 (Sequential) YoY% Interest 1611 1691 1741 1871 1793 (4.17) 11.30 6974 7096 1.75 Income Interest 1116 1111 1124 1113 1096 (1.53) (1.79) 4712 4444 (5.69) Expenses
Slide 27: Net Profit
Net Profit (Rs in Crore) Variatio Quarter Variation Full Year n Particulars- Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 QoQ% YoY% Mar’21 Mar’22 YoY% (Sequential) Operating Profit 184 380 301 332 317 (4.52) 72.28 772 1330 72.28 Provision for NPA 20 (23) 678 325 9 (97.23) (55.00) 2678 989 (63.07) Provision on
Slide 28: Interest Income
Interest Income (Rs in Crore) Variat Quarter Variation Full Year ion Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 QoQ% YoY% Mar’21 Mar’22 YoY% (Sequential) Interest Income 1611 1691 1741 1871 1793 (4.17) 11.30 6974 7096 1.75 (a+b+c) a) Advances 1080 1167 1151 1267 1193 (5.84) 10.46 4865 4778 (1.79
Slide 29: Non Interest Income
Non Interest Income (Rs in Crore) Variat Quarter Variation Full Year ion Particulars Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 QoQ% YoY% Mar’21 Mar’22 YoY% (Sequential) Comm. Exchange, 22 24 30 22 25 13.64 13.64 92 101 9.78 Brokerage Exchange Earned on 10 15 12 13 16 23.08 60.00 27 56 107.41 Forex Profit o
Slide 30: Total Expenditure
Total Expenditure (Rs in Crore) Varia Quarter Variation Full Year tion Particulars QoQ% Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 YoY% Mar’21 Mar’22 YoY% (Sequential) Total Expenses 1767 1629 1696 1710 1691 (1.11) (4.30) 7106 6725 (5.36) Interest 1116 1111 1124 1113 1096 (1.53) (1.79) 4712 4444 (5.69) Expe
Slide 31: Capital and Shareholding Pattern
Capital and Shareholding Pattern 31
Slide 32: Capital Adequacy
Capital Adequacy (Rs in Crore) Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 (Basel III) (Basel III) (Basel III) (Basel III) (Basel III) Requirement Requirement Requirement Requirement Requirement Regulatory Regulatory Regulatory Regulatory Regulatory Particulars Amount Amount Amount Amount Amount % % % % % CE
Slide 33: Share Holding Pattern
Share Holding Pattern Particulars 31.03.21 30.06.21 30.09.21 31.12.21 31.03.22 1.13% 0.62% • Share 4052.67 Cr 4052.67 Cr 4052.67 Cr 4052.67 Cr 6777.79Cr Capital • No. of 405.27 Cr 405.27 Cr 405.27 Cr 405.27 Cr 677.78Cr Shares Particulars 31.03.21 30.06.21 30.09.21 31.12.21 31.03.22 Mar’22 • Govt. of
Slide 34: Net Worth
Net Worth Particulars 31.03.21 30.06.21 30.09.21 31.12.21 31.03.22 Net Worth 5126.25 Cr 5461.80 Cr 5340.93 Cr * 5664.92 Cr * 5051.90 Cr *$ Book Value Rs. 12.65 Rs. 13.48 Rs.13.18 * Rs. 13.98 * Rs. 7.45 * 5664.92Cr 5461.80Cr 5340.93Cr 5126.25 Cr 5051.90 Cr •Deferred Pension has been netted from Net W
Slide 35: Balance Sheet
Balance Sheet 35
Slide 36: Balance Sheet
Balance Sheet (Rs in Crore) As on Liabilities Mar’21 Jun’21 Sep’21 Dec’21 Mar’22 Capital 4053 4053 4053 4053 6778 Reserve & Surplus 4310 4484 4702 5003 7233 Deposits 96108 98478 101910 100351 102137 Borrowings 2644 2644 2630 2303 2444 Other Liabilities & Provision 3367 3008 2839 2538 2476 Total 1104
Slide 37: Key Financial Ratios
Key Financial Ratios 37
Slide 38: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost of Deposits (%) Cost of Funds (%) 4.59 3.84 3.74 3.69 4.42 3.64 4.30 4.24 3.48 4.17 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Cost of Deposits (%) Cost of Funds (%) Yield on Advances (%) Yield on Fund (%) 7.69 7.08 6.92 7.13 6.11 6.76 5.72
Slide 39: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Credit Cost (%) * 1.02 0.49 0.03 -0.03 0.01 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Credit Cost (%) Slippage Ratio (%) * 2.69 2.66 0.76 0.76 0.37 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Slippage * For the Quarter 39
Slide 40: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost to Income Ratio (%) 77.95 65.57 64.20 65.19 57.68 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Cost to Income Ratio (%) 40
Slide 41: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Earning Per Share (Rs.) 6.69 1.72 2.15 2.97 3.39 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Earning Per Share (Rs.) Return on Asset (%) Return on Equity (%) (Annualized) (Annualized) 0.98 1.10 29.50 25.84 21.87 0.72 16.16 0.55 0.59 13.14 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Mar'21 J
Slide 42: Awards & Accolades
Awards & Accolades Exemplary Gold Award under “Leadership Capital (4.0)” campaign organized by PFRDA for APY Enrolments Runner-up in Best Digital Financial Inclusion Initiative declared by IBA 3rd Top Performing Bank in Theme 3 i.e. Collaborating for synergistic outcomes under EASE 4.0 as on 31.12.2
Slide 43: Geographical Presence & Financial Inclusion
Geographical Presence & Financial Inclusion 43
Slide 44: Region-wise Branches
Region-wise Branches Northern 1193 11 17 6 223 17 4 517 218 21 7 235 North Eastern Central Eastern 27 Western 56 92 112 13 27 15 12 41 19 40 Southern 2 1 36 51 24 24 Total Branches - 1530 44
Slide 45: Financial Inclusion
Financial Inclusion Cumulative position of Pradhan Mantri Jan-Dhan Yojana Schemes Particulars As on Mar’21 As on Jun’21 As on Sep’21 As on Dec’21 As on Mar’22 Number of Accounts opened 13.96 13.98 14.24 14.51 15.25 (In Lacs) Number of Active Accounts 11.62 11.64 11.81 12.06 12.75 (In Lacs) 45
Slide 46: Financial Inclusion
Financial Inclusion Pradhan Mantri Social Security Schemes Scheme No. of No. of No. of No. of No. of Enrolments as Enrolments as Enrolments as Enrolments as Enrolments as on Mar’21 on Jun’21 on Sep’21 on Dec’21 on Mar’22 Pradhan Mantri Jeevan Jyoti Bima Yojna 3.60 3.64 4.12 4.38 4.85 (In Lacs) Pradh
Slide 47: Digital Initiative
Amrit Mahotsav @ Digital Initiative
Slide 48: Digital Initiative
Digital Initiative E- Transaction (%) UPI/BHIM Users (In Lac) 11.06 80.54% 9.86 69.80% 73.75% 74.57% 7.89 8.86 65.16% 7.08 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 48
Slide 49: PSB UnIC
PSB UnIC Services Available Retail Banking Balance View Apply for Cheque Book Corporate Banking NRI Banking Fund Transfer Nomination Upcoming Services Merchant Opening Banking of PSB Digital Account 49
Slide 50: PSB Apna Ghar, MSME Financing
PSB Apna Ghar MSME Financing PSB Gold Loan MSME Financing PSB Apna Vahan Education Loan 50 50
Slide 51: Experience our New Internet and Mobile Banking Solution
PSB – where service is a way of life…. For giving an opportunity to serve for 114 years and many more to go… www.punjabandsindbank.co.in Reach us at: ho.customerexcellence@psb.co.in Experience our New Internet and Mobile Banking Solution 51
Punjab & Sind Bank — Q4 FY2021-22 Earnings Presentation on 6ix