Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Investor Presentation (June 2021)
38 slides from Punjab & Sind Bank's investor presentation, June 2021
Slide 1: June 2021 (Q1)
June 2021(Q1) PSB – where service is a way of life…. 1
Slide 2: Contents
Highlights & Business Performance 3-9 Asset Quality 10-18 Investment 19 Financial Performance 20-24 Capital and Shareholding Pattern 25-27 Balance Sheet 28 Key Financial Ratios 29-32 Digital Foot Prints 33 Geographical Presence & Financial Inclusion 34-36 Our Renowned Products 37 2
Slide 3: Key highlights Q-o-Q improvements
CRAR improved by 56 bps Q-o-Q PCR with TWO Net NPA to net improved by Net Advances 133 bps Q-o-Q improved by 43 bps Q-o-Q Operating Net Interest Profit rises by Margin 136.49% Q-o-Q improved by Cost Income 25 bps Q-o-Q Ratio improved by 2321 bps Q-o-Q 3
Slide 4: Business Mix
Business Mix (Rs in Crore) Outstanding as of YoY QoQ Growth Parameters Growth (%) (%) Jun’20 Mar’21 Jun’21 (Sequential) Total Business 146910 163919 166411 1.52 13.27 Total Deposits 85225 96108 98478 2.47 15.55 Total Advances 61685 67811 67933 0.18 10.13 Total Deposits Total Advances 98478 96108 678
Slide 5: CASA
CASA (Rs in Crore) Outstanding as of QOQ Growth YOY Parameters (%) Jun’20 Mar’21 Jun’21 Growth (%) (Sequential) Current Deposits 2909 4123 3446 (16.42) 18.46 Savings Deposits 24068 27407 27386 (0.08) 13.79 CASA Deposits 26977 31530 30832 (2.21) 14.29 CASA (%) to Total 31.65 32.81 31.31 (150) bps (34
Slide 6: Composition of Advances
Composition of Advances (Rs in Crore) Variation over % to Gross Outstanding as of Particulars Jun’20 Advances Jun’20 Mar’21 Jun’21 Amt % (Jun’21) Agriculture 8649 10638 9710 1061 12.27 14 MSME 9865 11497 11135 1270 12.87 17 Retail Advances 8220 8956 8884 664 8.08 13 Food Credit 623 583 786 163 26.12
Slide 7: Exposure to Major Industries
Exposure to Major Industries (Rs in Crore) Jun’20 Mar’21 Jun’21 Sector Amount % age Amount % age Amount % age Infrastructure 13111.79 21.26 14354.40 21.17 15477.82 22.78 (Out of Which) Power 3991.79 6.47 4378.72 6.46 5307.48 7.81 Telecom 882.19 1.43 1315.42 1.94 963.40 1.42 Roads, Ports, 3122.49 5.0
Slide 8: Priority Sector Lending
Priority Sector Lending (Rs in Crore) Increase Increase % to ANBC Sl. Particulars Jun’20 Mar’21 Jun’21 QoQ % YoY % (Jun’ 21) Sequential 1 Agriculture* 10518 12868 11845 (7.95) 12.62 18.73 Out of which, S&MF 5883 7127 6554 (8.04) 11.41 10.37 2 MSME* 10478 10122** 11835 16.92 12.95 Out of which, Micro
Slide 9: Performance under Priority Sector
Performance under Priority Sector (Rs in Crore) Mandatory Target Segment Achievement Achievement (%) (%) Priority Sector * 40 28955 45.80 Agriculture * 18 11845 18.73 Small/Marginal Farmers 9 6554 10.37 Weaker Section 11 7587 11.99 Micro under MSME * 7.50 6889 10.90 Non Corporate Farmers 12.14 8467
Slide 10: Highlights - Asset Quality
Highlights - Asset Quality Gross NPA as % of Net NPA as % of Gross Advances Net Advances 14.34 7.57 13.76 13.33 4.04 3.61 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 PCR with Two (%) Slippage Ratio (%) 82.89 84.22 69.20 2.90 0.68 0.11 Jun'20 Mar'21 Jun'21 Jun'
Slide 11: Asset Quality
Asset Quality (Rs in Crore) Particulars Jun’20 Mar’21 Jun’21 Standard 52837 58477 58878 Sub – Standard 2051 1501 1354 Doubtful 6491 4744 4626 Loss 306 3089 3075 Total Advances 61685 67811 67933 11
Slide 12: Movement of NPA
Movement of NPA (Rs in Crore) Quarter Particulars Sr. No Jun’20 Mar’21 Jun’21 1 Gross NPA Opening Balance 8874.57 8489.89 9334.00 2 Cash recoveries 66.96 531.19 194.11 Out of Above Cash recovery(2) Income 3 17.41 8.86 44.68 Booked 4 Up gradations 35.39 76.94 539.93 5 Write off/ Rebate 0.80 66.28 32.
Slide 13: Priority Sector NPA
Priority Sector NPA (Rs. In Crore) Sector Jun’ 20 Mar’21 Jun’21 A. Total Agriculture Advances 988 918 839 B. MSME 1875 2098 2088 (i) Micro Enterprises 760 1283 1292 (ii) Small Enterprises 643 391 379 (iii) Medium Enterprises 472 424 417 C. Housing Loan 286 392 392 D. Education Loan 13 18 16 E. Socia
Slide 14: Corporate NPAs
Corporate NPAs (Rs in Crore) Industry Jun’ 20 Mar’21 Jun’21 Iron and Steel 312.95 186.94 185.13 Engineering 84.48 100.72 95.72 Textile 462.03 456.67 456.55 Infra-energy 702.79 669.02 785.42 Infra-Transport 700.75 814.11 816.21 Infra-Others 396.62 404.62 404.11 Food Processing 50.55 99.92 98.57 Wood
Slide 15: Restructured Advances
Restructured Advances (Rs in Crore) Jun’20 Mar’21 Jun’21 Sector Amount % age Amount % age Amount % age Agriculture 8.92 1.57 43.59 2.37 52.62 1.78 Power 83.49 14.68 81.77 4.44 263.41 8.91 Textiles 4.88 0.86 228.74 12.42 235.83 7.98 Cement & Products 0.09 0.02 0.44 0.02 0.58 0.02 Iron & Steel 1.75 0.
Slide 16: Resolution Framework for COVID-19
Resolution Framework for COVID - 19 (Rs in Crore) Resolution Framework COVID- Resolution Framework COVID- 19 : 1.0 19 : 2.0 Particulars No. of Amount No. of Amount Accounts Accounts Agriculture 402 29.52 0 0 MSME 5098 438.45 1235 155.08 Retail Advances 6250 555.88 3575 349.02 Corporate Advances 17 9
Slide 17: SMA - Sector wise
SMA – Sector wise (Rs in Crore) 30.06.2020 31.03.2021 30.06.2021 Sector S. No. SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 SMA 0 SMA 1 SMA 2 1 Retail 180 146 18 186 1246 13 710 44 636 2 Agriculture 6 182 512 62 440 21 180 346 186 3 MSME 68 31 25 450 881 26 1075 232 570 4 Corporate 72 23 151 790 403 3004 836
Slide 18: Status of NCLT
Status of NCLT (Rs in Crore) 30.06.2021 Category No. of Accounts Exposure Provision PCR (%) RBI List I 3 258.40 258.40 100 RBI List II 1 23.37 23.37 100 Accounts filed by Bank 1 64.79 64.79 100 Accounts filed by other Banks 43 3110.51 2937.84 94.44 Total 48 3457.07 3284.40 95.00 18
Slide 19: Investments
Investments (Rs in Crore) % to Total Particulars Jun 20 Mar 21 Jun 21 (Jun 21) GROSS INVESTMENTS 24549 32518 36372 100.00 SLR INVESTMENTS i) Treasury Bills 143 457 1018 2.80 ii) CG securities 11341 11763 14281 39.26 iii) State Govt. Securities 7069 7104 9416 25.89 iv) Other Approved Securities 7 1 1
Slide 20: Highlights - Financial Performance
Highlights - Financial Performance Operating Profit (Rs. in Crore) Net Profit (Rs. In Crore) 161 174 411 226 174 -117 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Cost to Income Ratio Net Interest Income Net Interest Margin (%) (NII) (Rs. In Crore) (NIM) (%) 78.94 67.33 55.73 579 2
Slide 21: Operating Profit
Operating Profit (Rs in Crore) Quarter Variation Particulars Jun’20 Mar’21 Jun’21 QoQ% YoY% (Sequential) Interest Income 1800 1611 1690 4.90 (6.11) Interest Expenses 1263 1116 1111 (0.45) (12.03) NII (Spread) 537 495 579 16.97 7.82 Non Interest Income 154 330 349 5.76 126.62 Operating Expenses 465 6
Slide 22: Net Profit
Net Profit (Rs in Crore) Quarter Variation Particulars- Jun’20 Mar’21 Jun’21 QoQ% YoY% (Sequential) Operating Profit 226 174 411 136.21 81.86 Provision for NPA 331 20 (23) (215.00) (106.95) Tax Expense (40) 9 160 1677.78 500 Investment Depreciation /NPI 0 6 25 316.67 - Standard Assets 48 (98) 87 188
Slide 23: Interest Income
Interest Income (Rs in Crore) Quarter Variation Particulars Jun’20 Mar’21 Jun’21 QoQ% YoY% (Sequential) Interest Income 1800 1611 1690 4.90 (6.11) (a+b+c) a) Advances 1268 1080 1167 8.06 (7.97) b) Investments 477 454 476 4.85 (0.21) c) Others 55 77 47 (38.96) (14.55) 23
Slide 24: Total Expenditure
Total Expenditure (Rs in Crore) Quarter Variation Particulars QoQ% Jun’20 Mar’21 Jun’21 YoY% (Sequential) Total Expenses 1728 1767 1628 (7.87) (5.79) Interest Expenses 1263 1116 1111 (0.45) (12.03) - Deposits 1195 1055 1047 (0.76) (12.38) - Others 68 61 64 4.92 (5.88) Operating Expenses 465 651 517
Slide 25: Capital Adequacy
Capital Adequacy (Rs in Crore) Jun 20 Mar 21 Jun 21 (Basel III) (Basel III) (Basel III) Requirement Requirement Requirement 3.28 Regulatory Regulatory Regulatory Particulars 3.08 Amount Amount Amt % % % 1.96 1.93 3.35 CET I 2.04 (Including 3636 7.42 7.375 6243 12.05 7.375 6296 12.38 7.375 CCB) 12.38
Slide 26: Share Holding Pattern
Share Holding Pattern Particulars 30.06.20 31.03.21 30.06.21 • Share 701.05 Cr 4052.67 Cr 4052.67 Cr Capital • No. of 70.10 Cr 405.27 Cr 405.27 Cr 1.89% Shares 1.04% Particulars 30.06.20 31.03.21 30.06.21 • Govt. of 83.06 97.07 97.07 97.07% India • LIC 5.99 1.04 1.04 Govt. of India LIC Others • Othe
Slide 27: Net Worth
Net Worth Particulars 30.06.20 31.03.21 30.06.21 • Net Worth 2762.76 Cr 5126.26 Cr 5461.80 Cr • Book Value Rs. 39.41 Rs. 12.65 Rs. 13.48 27
Slide 28: Balance Sheet
Balance Sheet (Rs in Crore) As on Liabilities Jun’ 20 Mar’21 Jun’21 Capital 701 4053 4053 Reserve & Surplus 4778 4310 4484 Deposits 85225 96108 98478 Borrowings 3058 2644 2644 Other Liabilities & Provision 2002 3367 3008 Total 95764 110482 112667 Assets Cash & Balance with RBI 5948 7208 5759 Bal. wi
Slide 29: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost of Deposits (%) Cost of Funds (%) 4.90 5.47 4.59 3.84 3.74 4.42 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Cost of Deposits (%) Cost of Funds (%) Yield on Advances (%) Net Interest Margin (%) 8.14 2.08 7.08 1.95 6.76 1.70 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Yield
Slide 30: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Yield on Investment Yield on Fund (%) (With Profit) (%) 6.98 8.86 8.70 5.54 5.69 8.46 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Yield on Investment (With Profit) (%) Yield on Fund (%) Credit Cost (%) Slippage Ratio (%) 2.12 2.90 0.12 0.68 -0.14 Jun'20 Mar'21 Jun'21 0.11 Ju
Slide 31: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Cost to Income Ratio (%) 78.94 67.33 55.73 Jun'20 Mar'21 Jun'21 Cost to Income Ratio (%) Staff cost to Income ratio Other Overheads to Income (%) Ratio (%) 52.28 46.20 26.66 36.42 21.13 19.31 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Staff Cost to Income Ratio (%) Other Ov
Slide 32: Key Financial Ratios (QoQ)
Key Financial Ratios (QoQ) Return on Asset (%) Return on Equity (%) (Annualized) (Annualized) 0.59 29.50 0.55 13.14 -0.45 -16.46 Return on Asset (%) (Annualized) Return on Equity (%) (Annualized) Earning Per Share (Rs.) Book Value (Rs.) 6.69 1.72 39.41 -6.67 12.65 13.48 Jun'20 Mar'21 Jun'21 Earning
Slide 33: Digital Footprints
Digital Footprints E- Transaction (%) Internet Banking Users (In Lac) 30.33 5.51 28.93 5.40 5.34 27.56 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 Jun'20 Mar'21 Jun'21 ATM Card Base (In Lac) UPI/BHIM Users (In Lac) 32.87 33.08 31.98 31.37 20.10 27.84 Jun'20 Mar'21 Jun'21 Jun'20 Ma
Slide 34: 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 42 19 40 Southern 2 1 36 51 24 24 Total Branches - 1531 34
Slide 35: Financial Inclusion
Financial Inclusion Cumulative position of Pradhan Mantri Jan-Dhan Yojana Schemes Particulars As on As on As on 30.06.20 31.03.21 30.06.21 Number of 1298361 1396110 1398442 Accounts opened Number of 1055432 1162246 1164259 Active Accounts Deposits in 590 575 550 Accounts (Rs. In Cr.) Average Balance
Slide 36: Financial Inclusion
Financial Inclusion Pradhan Mantri Social Security Schemes Scheme No. of No. of No. of Enrolmen Enrolmen Enrolme ts as on ts as on nts as on 30.06.20 31.03.21 30.06.21 Atal Pension 190388 243830 260891 Yojana Pradhan Mantri 282675 359572 363533 Jeevan Jyoti Bima Yojna Pradhan Mantri 1218966 1410851
Slide 37: Our Renowned Products
Our Renowned Products Contractor Plus Scheme PaO LOANS PSB LOAN MORTGAGE
Slide 38: www.punjabandsindbank.co.in
www.punjabandsindbank.co.in 38
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