Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q1 FY2026-27 Earnings Presentation
47 slides from Punjab & Sind Bank's earnings presentation, July 2026
Slide 1: Financial Performance Q1 (FY 2026-27)
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Slide 2: Table of Contents
Table of Contents Section 1 Key Highlights & Business Performance 3-13 Section 2 Key Financial Ratios 14-16 Section 3 Financial Performance & Balance Sheet 17-21 Section 4 Asset Quality 22-26 Section 5 Treasury Operations 27 Section 6 Capital Adequacy 28 Section 7 Shareholding Pattern & Credit Ratin
Slide 3: Strong Business Growth Continues
1 Strong Business Growth Continues Total Business Total Deposits Gross Advances CASA Deposits Retail Term ₹ 266420 Crore ₹ 147130 Crore ₹ 119290 Crore ₹ 44225 Crore Deposits ₹ 65764 Crore 15.27% 12.16% 19.35% 10.20% 14.94% (YoY) (YoY) (YoY) (YoY) (YoY) 147130 119290 44225 266420 65764 40133 231132 1
Slide 4: Consistency in Operational Income
1 Consistency in Operational Income Net Interest Non Interest Operating Profit Net Profit Core Fee Income Income Income ₹ 545 Crore ₹ 331 Crore ₹ 164 Crore ₹ 1038 Crore ₹332 Crore 0.93% 23.05% 15.33% 13.89% 29.21% (YoY) (YoY) (YoY) (YoY) (YoY) 545 331 1038 164 469 269 332 540 900 144 Jun'25 Jun'26 J
Slide 5: Asset Quality – Significant Improvement
1 Asset Quality – Significant Improvement PCR PCR (Without Slippage Gross NPA (%) Net NPA (%) Credit Cost (%) (With TWO) (%) TWO) (%) Ratio (%) 2.21% 0.65% 0.11% 92.33% 70.96% 0.18% 0.91 92.33 73.57 3.34 0.21 0.11 0.65 2.21 91.77 70.96 0.18 0.02 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'2
Slide 6: Other Key Performance Highlights – Driving Financial & Operational Improvement
1 Other Key Performance Highlights – Driving Financial & Operational Improvement RAM Advances Segmental Credit Strong Capital Cost to Income Return on ₹ 71596 Crore Growth (YoY) Adequacy Ratio reduced Assets (%) 32.66% CRAR (%) from 60.55% to 0.73% (YoY) Retail – 36.44% 17.61% (YoY) 60.21% RAM (%) t
Slide 7: Overall Business Mix – Consistent and Stable Growth
1 Overall Business Mix – Consistent and Stable Growth Total Business (₹ Cr) Total Deposits (₹ Cr) Total Advances (₹ Cr) 1,19,290 2,63,652 2,66,420 1,47,130 1,17,823 1,45,829 2,31,132 1,31,182 99,950 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 YoY Growth (Jun’25 vs Jun’26) – 15.27%
Slide 8: Liability Franchise
1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 1,09,923 1,09,989 44,876 44,225 65,764 65,047 40,133 97,347 57,214 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 Q
Slide 9: Segmental Lending Portfolio – Well Rounded Growth in all the three RAM Segments
1 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM Segments on yearly basis Advances Mix (₹ Cr) Home Loan (₹ Cr) 13,469 13,471 Period Ended Variation Particulars 12,696 (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ (%) YoY (%) Jun'25 Mar'26 Jun'26 Advances 99950 117823 119290 1.25 19.35 V
Slide 10: Segmented RAM Portfolio
1 Segmented RAM Portfolio Retail Portfolio - ₹ 30799 Cr Agri Portfolio - ₹ 15959 Cr MSME Portfolio - ₹ 24838 Cr 25.82 % 13.38 % 20.82 % 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 ₹
Slide 11: Advances Breakup of Major Industries / Sectors
1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Jun'26 Mar'26 Jun'26 % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Advances Advances Advances Infrastructure 14068 14.08 13999 11.88 13782 11.55 (Out of Which) Energy 6046 6.05 6765 5.74 6428
Slide 12: Rating Profile of NBFCs
1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Jun'25 Mar’26 Jun’26 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total AAA rated 6485 45.35 7861 44.53 8598 48.09 AA rated 7235 50.59 8278 46.89 7967 44.56 A rated 536 3.75 1470 8.33 1270 7.11 Total A & above 14256 99.69 17609
Slide 13: Credit Profile
1 Credit Profile Credit – External Rating Wise (Above Rs. 5 Cr.) In ₹ Cr Quarter Ended Jun'25 Mar'26 Jun'26 Particulars (in ₹ Cr) % % % Amount Amount Amount to Total to Total to Total AAA rated 9223 16.27 12188 18.05 14787 21.63 AA rated 15641 27.59 18064 26.75 17488 25.59 A rated 8113 14.31 9802 14
Slide 14: Key Financials
2 Key Financials Operating Profit (₹ Cr) Net Profit (₹ Cr) 816 * 422 336 331 594 313 295 540 542 545 282 269 484 505 240 458 182 189 336 317 153 257 260 277 139 114 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24
Slide 15: Key Financial Ratios
2 Key Financial Ratios Yield on Advances (In %) Yield on Investments (In %) Yield on Funds (In %) 6.80 6.80 7.34 8.62 7.24 8.47 7.14 8.39 7.09 6.66 6.66 8.15 6.93 8.05 6.60 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Cost of Deposits (In %
Slide 16: Key Financial Ratios
2 Key Financial Ratios Cost to Income Ratio (In %) Return on Asset (In %) Return on Equity (In %) 61.87 0.96 14.29 61.32 0.79 11.71 0.72 0.73 10.41 10.85 0.67 9.67 60.55 60.21 60.21 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Book Value Pe
Slide 17: Operating & Net Profit
3 Operating & Net Profit In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest Income 2910 3030 3213 6.04 10.41 Interest Expenses 2010 2055 2175 5.84 8.21 Net Interest Income 900 975 1038 6.46 15.33 Non Interest Income 469 427 332 (22.25) (29.21) Operating Expenses
Slide 18: Total Income
3 Total Income In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest on Advances 2056 2178 2349 7.85 14.25 Interest on Investments 818 827 847 2.42 3.55 Other Interest Income 36 25 17 (32.00) (52.78) Total Interest Income (a) 2910 3030 3213 6.04 10.41 Core Fee Incom
Slide 19: Total Expenses
3 Total Expenses In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest on Deposits 1787 1840 1943 5.60 8.73 Interest on Others 223 215 232 7.91 4.04 Total Interest Expenses (a) 2010 2055 2175 5.84 8.21 Establishment Expenses 524 496 495 (0.20) (5.53) Other Operating
Slide 20: Other Operating Expenses
3 Other Operating Expenses In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Rent, Taxes & Lighting 36 41 42 2.44 16.67 Printing & Stationery 3 3 3 - - Advertisement & Publicity 2 7 3 (57.14) 50.00 Depreciation on Fixed Assets 37 43 48 11.63 29.73 Postage, Telegram, Tele
Slide 21: Balance Sheet
3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Jun’25 Mar’26 Jun’26 Capital 7096 7096 7096 Reserve & Surplus 6562 7037 7538 Deposits 131182 145829 147130 Borrowings 12456 16352 16881 Other Liabilities & Provision 4232 2957 3056 Total 161528 179271 181701 As on Assets (in ₹ Cr) Jun’25 Mar’26 Jun
Slide 22: Asset Quality
4 Asset Quality In ₹ Cr Quarter S. No. Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 1 Gross NPA Opening Balance 3370 2871 2831 2 Cash recoveries 147 191 98 3 Out of Above Cash recovery Income Booked 31 36 21 4 Up gradations 93 59 153 5 Technical Write off 0 158 162 6 Rebate 26 32 18 7 Total Net Reduct
Slide 23: 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
Slide 24: Asset Quality
4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Quarter Ended Fresh Slippages(Qtr) (₹ Cr) Jun’25 Mar'26 Jun’26 Particulars (₹ Cr) Ratio Ratio Ratio NNPA GNPA (%) GNPA (%) GNPA (%) (%) Retail (₹ Cr) Agri (₹ Cr) Retail 404 1.79 305 1.11 293 0.95 0.39 57 Agri 1216 9.59 1230 7.41 1203 7.54 2.35 47 55 MSM
Slide 25: Asset Quality
4 Asset Quality Gross NPA (In %) Provision Coverage Ratio with TWO (In %) 6.00 Gross NPA (₹ Cr) Gross NPA (%) 10,000 5.00 4.72 4.21 8,000 4.00 3.83 92.23 92.33 3.38 91.38 91.77 91.88 3.34 2.92 6,000 90.91 3.00 4,145 2.60 2.40 2.21 89.53 3,835 3,676 3,370 3,339 4,000 88.08 88.56 2.00 3,082 2,871 2,83
Slide 26: Asset Quality
4 Asset Quality Slippage Ratio (In %) Credit Cost (In %) 0.33 0.21 0.17 0.16 0.18 0.11 0.02 0.05 0.02 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 -0.03 Fresh Slippage (₹ Cr) SMA1 and SMA2 (₹ Cr) (above Rs. 5 Crore) 355 572 558 515 203 207 164 168 186 140 96 Jun'25 Sep'25 De
Slide 27: Treasury Operations
5 Treasury Operations In ₹ Cr % to Total Particulars Jun’25 Mar’26 Jun’26 (Jun’26) GROSS INVESTMENTS 49036 50127 50866 SLR INVESTMENTS 34214 34915 35700 70.18 (i) HFT 3642 2651 2612 5.13 (ii) AFS 8559 8786 9091 17.87 (iii) HTM 22013 23478 23997 47.18 NON-SLR INVESTMENTS (i) PSU Bonds 3175 3463 3579
Slide 28: Capital Adequacy
6 Capital Adequacy In ₹ Cr Period Ended Regulatory Requirement Jun'25 Mar'26 Jun'26 Particulars (%) Amount % Amount % Amount % CET I (Including CCB) 8.00 11838 16.02 13002 15.92 13541 16.56 AT - 1 Tier I (Including CCB) 9.50 11838 16.02 13002 15.92 13541 16.56 Tier II 1391 1.88 1220 1.49 862 1.05 Ca
Slide 29: Shareholding Pattern & Credit Rating
7 Shareholding Pattern & Credit Rating Shareholding Pattern Others As on LIC 4.82% Particulars 1.33% Jun’25 Mar’26 Jun’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.) 11315 11945 12500 Govt. of India L
Slide 30: Geographical Presence
8 Geographical Presence Northern Region Wise Classification 1679 964 89 82 Branches 39 122 1188 ATMs 964 383 North 3147 Eastern BCs 39 40 Eastern Western Central 89 383 122 Northern Central Eastern 410 North Eastern Western Southern Districts Covered Region wise Branches as on 30.06.2026 Semi Grand
Slide 31: Priority Sector Lending
9 Priority Sector Lending Mandated S. No. Particulars Jun’26 Targets 1 Priority Sector % to ANBC 40.00% 46.72% 2 Agriculture - PS % to ANBC 18.00% 18.15% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.23% 4 Weaker Section % to ANBC 12.00% 12.05% 5 Micro Enterprises (PS) % to ANBC 7.50% 13.09
Slide 32: Financial Inclusion
9 Financial Inclusion PMJDY Accounts Opened Total No. of Accounts under Atal Pension Yojna (₹ Lacs) (₹ Lacs) MUDRA Scheme (in Nos) 29.75 9.07 1,66,363 7.43 1,23,404 26.97 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Bima Total amount of Balance O/s in
Slide 33: ESG Initiatives
9 ESG Initiatives • Climate Risk & Green Deposit Policy • Organized 09 training batches and • Well defined Board level Committee for Sustainability. trained 272 trainees in different RSETIs & Policies are in place for better • Mobilized funds under Green Earth during Q1 (2026-27). Control and Govern
Slide 34: ESG Initiatives – Green Branch in Cochin
9 ESG Initiatives – Green Branch in Cochin 34
Slide 35: P&SB – Indian School of Business Partnership
P&SB – Indian School of Business Partnership: Transforming- Lives, 9 Building Futures 35
Slide 36: New Features & Security getting Continuous Upgradation
10 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+ 28L+ 1 Transaction limits 1 E-Overdraft & E-Loan against Bank Deposit(Online Services in 2 2-factor
Slide 37: Digital Journey
10 Digital Journey DIGITAL UPI PSB UNIC UPI UPI MERCHANTS TRANSAC- TRANSAC- REGISTRA- USERS QR ON BOARD- TIONS* TIONS # TIONS (IN LAKHS) (IN NO.) ED (No. in Cr.) (IN CR.) (IN LAKHS) (IN NO.) June 15.93 22.30 9.77 26.88 193073 195323 25 June 19.02 27.10 11.62 32.51 215074 218009 26 Growth 19.40% 21.5
Slide 38: Digital Initiatives – Payment Gateway
10 Digital Initiatives – Payment Gateway 38
Slide 39: Digital Initiative – End to End Digital PAN Application through Bank Website
10 Digital Initiative – End to End Digital PAN Application through Bank Website 39
Slide 40: Digital Initiatives – P&SB DIGI Gold Loan & Digital Loan against Bank Deposit
10 Digital Initiatives – P&SB DIGI Gold Loan & Digital Loan against Bank Deposit 40
Slide 41: Digital Initiatives – Central Bank Digital Currency CBDC Connect
10 Digital Initiatives – Central Bank Digital Currency CBDC Connect 41
Slide 42: P&SB Bharat Connect
@) pass Bharat Connect [eq reise Sina nom Git etoag atat rate UD elles PSB Punjab & Sind Bank {A Govt. of India Undertaking) PSB SB Salary Account- ‘OMNI’ SB Salary Account- ‘VISTA’ For all permanent salaried employees and pensioners of Central Government Departments and Ministries. oCitetoag tat ra
Slide 43: P&SB – One Smart Scan
(11 ) P&SB - One Smart Scan Tami c& Sine Dent (A Govt of india Undertaking) ONE SMART SCAN For all your financial needs —
Slide 44: Awards and Accolades
11 Awards and Accolades Secretary DFS Shri M Nagaraju, IAS presented APY Annual Award of Health & Wellbeing Excellence Achiever for outstanding Physiotherapists, medical consultants, psychologist support Wellness initiatives Performance under Atal Pension Yojana to Punjab & Sind Bank at glittering f
Slide 45: Guidance
12 Guidance Parameters Actual as on Jun’26 Achievement Guidance for FY'27 Deposit Growth (YoY) 12.16% 13-14% Advances Growth (YoY) 19.35% 16-18% RAM % to Total Advances 60.02% >60% Gross NPA 2.21% <2.0% Net NPA 0.65% <0.65% PCR 92.33% 92-93% Recovery & Upgradation 366 Crore > Rs.1000 Crore Credit Co
Slide 46: 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
Slide 47: Thank You
Loan in THANK YOU 3 Clicks Co-Branded Credit Card Enjoy our seamless Mobile Banking through Follow our Official Page: @PSBIndOfficial
Punjab & Sind Bank — Q1 FY2026-27 Earnings Presentation on 6ix