Punjab & Sind Bank Ltd. · NSE:PSB
Punjab & Sind Bank — Q2 FY2026-27 Earnings Presentation
47 slides from Punjab & Sind Bank's earnings presentation, Oct 17, 2026
Slide 1: Exchange filing cover letter for Investor Presentation
Ref No: PSB/HO/Shares Cell / 60 /2026-27 October 17, 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. Mumb
Slide 2: Financial Performance (Q2) FY 2026-27 Analyst Presentation
Financial Performance y (Q2) FY 2026-27 Analyst Presentation LL : STRONG | | (iis) CUSTOMER ©: OPERATIONAL FINANCIALS GROWTH FOCUSED EFFICIENCY ©@ 1800 419 8300 (Toll Free) Follow us @PSBIndOfficil HI RIDOE ; cl a = N SOLU ELLULLLLL LL
Slide 3: 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 4: Strong Business Growth Continues
1 Strong Business Growth Continues Total Business Total Deposits Gross Advances CASA Deposits Retail Term ₹ 279231 Crore ₹ 153312 Crore ₹ 125919 Crore ₹ 44207 Crore Deposits ₹ 67354 Crore 15.73% 12.97% 19.28% 7.48% 9.64% (YoY) (YoY) (YoY) (YoY) (YoY) 279231 153312 67354 125919 44207 135706 105566 41
Slide 5: Consistency in Operational Income
1 Consistency in Operational Income Net Interest Net Interest Operating Profit Net Profit Core Fee Income Income Margin ₹ 618 Crore ₹ 412 Crore ₹ 246 Crore ₹ 1162 Crore 2.77% 22.38% 39.66% 23.62% 22.32% 17 bps (YoY) (YoY) (YoY) (YoY) (YoY) 2.77 246 1162 412 199 618 950 505 295 2.60 Sep'25 Sep'26 Sep
Slide 6: Asset Quality – Significant Improvement
1 Asset Quality – Significant Improvement PCR Slippage Gross NPA (%) Net NPA (%) Credit Cost (%) (With TWO) (%) Ratio (%) 2.09% 0.61% 0.07% 92.48% 0.20% 92.48 0.20 2.92 0.83 0.07 2.09 0.61 0.17 91.88 Sep'25 Sep'26 -0.03 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 5
Slide 7: Other Key Performance Highlights
1 Other Key Performance Highlights – Driving Financial & Operational Improvement RAM Advances Segmental Credit Strong Capital Cost to Income Return on ₹ 77276 Crore Growth (YoY) Adequacy Ratio (%) Assets (%) 31.08% CRAR (%) 59.19% 0.88% (YoY) Retail – 42.71% 16.55% (YoY) 268 bps 16 bps RAM (%) to To
Slide 8: Overall Business Mix – Consistent and Stable Growth
1 Overall Business Mix – Consistent and Stable Growth Total Business (₹ Cr) Total Deposits (₹ Cr) Gross Advances (₹ Cr) 2,79,231 1,25,919 2,66,420 1,53,312 2,63,652 1,17,823 1,19,290 1,45,829 1,47,130 2,41,272 1,35,706 1,05,566 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Ju
Slide 9: Liability Franchise
1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 44,876 67,354 1,11,561 44,225 44,207 65,764 1,09,923 1,09,989 65,047 41,129 61,432 1,02,561 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 In ₹ Cr Period Ended Variatio
Slide 10: Segmental Lending Portfolio – Growth in RAM Segments
1 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM Segments on yearly basis Advances Mix (₹ Cr) Home Loan (₹ Cr) Period Ended Variation 13584 Particulars 13337 13469 13471 (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ (%) YoY (%) Sep'25 Mar'26 Jun'26 Sep'26 Advances 105566 117823 1
Slide 11: Segmented RAM Portfolio
1 Segmented RAM Portfolio Retail Portfolio - ₹ 33478 Cr Agri Portfolio - ₹ 17215 Cr MSME Portfolio - ₹ 26583 Cr 26.59 % 13.67 % 21.11 % of Advances of Advances of Advances In ₹ Cr In ₹ Cr In ₹ Cr Period Ended % Period Ended % Period Ended % Particulars Share Particulars Share Particulars Share (in ₹
Slide 12: Advances Breakup of Major Industries / Sectors
1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Sep'25 Mar'26 Jun'26 Sep’26 % to Total % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Amount Advances Advances Advances Advances Infrastructure 13388 12.68 13999 11.88 13782 11.55 14334 11.38 (
Slide 13: Rating Profile of NBFCs
1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Sep'25 Mar’26 Jun’26 Sep'26 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total Amount % to Total AAA rated 6395 41.59 7861 44.53 8598 48.09 8871 47.57 AA rated 7883 51.27 8278 46.89 7967 44.56 8077 43.31 A rated 1060 6.90 1470
Slide 14: Credit Profile
1 Credit Profile Credit – External Rating Wise (Above Rs. 50 Cr.) In ₹ Cr Quarter Ended Sep'25 Mar'26 Jun'26 Sep’26 Particulars (in ₹ Cr) % % % % Amount Amount Amount Amount to Total to Total to Total to Total AAA rated 9228 18.23 12168 22.18 14787 26.79 16730 29.44 AA rated 16778 33.14 17587 32.06
Slide 15: Key Financials
2 Key Financials Operating Profit (₹ Cr) Net Profit (₹ Cr) 816 * 422 412 336 331 594 618 313 295 540 542 545 282 505 269 458 484 240 182 189 336 317 260 277 139 114 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24
Slide 16: 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 7.25 7.29 8.54 7.17 8.46 7.14 8.39 6.69 7.09 8.31 6.68 6.66 6.66 8.15 6.93 8.05 6.60 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Sep'26 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Sep'26
Slide 17: 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 0.88 13.21 61.20 0.79 0.81 11.71 12.19 0.72 0.73 10.41 10.85 10.13 0.70 60.21 60.21 59.68 59.19 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Sep'26 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26
Slide 18: Operating & Net Profit
3 Operating & Net Profit In ₹ Cr Quarter Variation Half Yearly Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ% YoY% Sep’25 Sep’26 YoY% Interest Income 2999 3030 3213 3395 5.66 13.20 5910 6608 11.81 Interest Expenses 2049 2055 2175 2233 2.67 8.98 4059 4408 8.60 Net Interest Income 95
Slide 19: Total Income
3 Total Income In ₹ Cr Quarter Variation Half Yearly Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ% YoY% Sep’25 Sep’26 YoY% Interest on Advances 2148 2178 2349 2491 6.05 15.97 4204 4840 15.13 Interest on Investments 836 827 847 863 1.89 3.23 1654 1710 3.39 Other Interest Income 15
Slide 20: Total Expenses
3 Total Expenses In ₹ Cr Quarter Variation Half Yearly Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ% YoY% Sep’25 Sep’26 YoY% Interest on Deposits 1830 1840 1943 1988 2.32 8.63 3617 3931 8.68 Interest on Others 219 215 232 245 5.60 11.87 442 477 7.92 Total Interest Expenses (a) 204
Slide 21: Other Operating Expenses
3 Other Operating Expenses In ₹ Cr Quarter Variation Half Yearly Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ% YoY% Sep’25 Sep’26 YoY% Rent, Taxes & Lighting 40 41 42 48 14.29 20.00 76 90 18.42 Printing & Stationery 4 3 3 4 33.33 0.00 7 7 - Advertisement & Publicity 6 7 3 5 66.67
Slide 22: Balance Sheet
3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 Capital 7096 7096 7096 7096 Reserve & Surplus 6538 7037 7538 7448 Deposits 135706 145829 147130 153312 Borrowings 12536 16352 16881 19230 Other Liabilities & Provision 3466 2957 3056 3202 Total 165342 179271 181701 19028
Slide 23: Asset Quality
4 Asset Quality In ₹ Cr Quarter Half Yearly S. No. Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 Sep’25 Sep’26 1 Gross NPA Opening Balance 3339 2871 2831 2637 3370 2831 2 Cash recoveries 111 191 98 91 235 183 Out of Above Cash recovery Income 3 32 36 21 17 59 37 Booked 4 Up gradations 138 59 153
Slide 24: 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 25: Asset Quality – Sector Wise NPA
4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Quarter Ended Fresh Slippages(Qtr) (₹ Cr) Particulars Sep’25 Mar'26 Jun’26 Sep’26 (₹ Cr) Ratio Ratio Ratio Ratio NNPA GNPA (%) GNPA (%) GNPA (%) GNPA (%) (%) Retail (₹ Cr) Agri (₹ Cr) Retail 341 1.45 305 1.11 293 0.95 297 0.89 0.34 75 Agri 1216 8.20 123
Slide 26: Asset Quality – Gross and Net NPA, PCR
4 Asset Quality Gross NPA (In %) Provision Coverage Ratio with TWO (In %) 6.00 Gross NPA (₹ Cr) Gross NPA (%) 10,000 5.00 8,000 4.21 92.33 92.48 3.83 91.88 92.23 4.00 3.38 91.38 91.77 3.34 2.92 6,000 90.91 3.00 2.60 2.40 2.21 3,835 3,676 2.09 89.53 3,370 3,339 4,000 2.00 3,082 88.56 2,871 2,831 2,63
Slide 27: Asset Quality – Slippage and Credit Cost
4 Asset Quality Slippage Ratio (In %) Credit Cost (In %) 0.33 0.18 0.20 0.17 0.16 0.11 0.07 0.05 0.02 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 -0.03 Fresh Slippage (₹ Cr) SMA1 and SMA2 (₹ Cr) (above Rs. 5 Crore) 515 355 237 207 164 168 176 184 186 161 140 96 105 Sep'25 D
Slide 28: Treasury Operations
5 Treasury Operations In ₹ Cr % to Total Particulars Sep’25 Mar’26 Jun’26 Sep’26 (Sep’26) GROSS INVESTMENTS 49313 50127 50866 51547 SLR INVESTMENTS 34437 34915 35700 36301 70.42 (i) HFT 2777 2651 2612 2392 4.64 (ii) AFS 8236 8786 9091 9456 18.34 (iii) HTM 23424 23478 23997 24453 47.44 NON-SLR INVEST
Slide 29: Capital Adequacy
6 Capital Adequacy In ₹ Cr Period Ended Regulatory Particulars Requirement Sep'25 Mar'26 Jun'26 Sep'26 (%) Amount % Amount % Amount % Amount % CET I (Including 8.00 11612 15.32 13002 15.92 13541 16.56 13538 15.49 CCB) AT - 1 Tier I (Including 9.50 11612 15.32 13002 15.92 13541 16.56 13538 15.49 CCB)
Slide 30: Shareholding Pattern & Credit Rating
7 Shareholding Pattern & Credit Rating Shareholding Pattern Others As on LIC 4.82% Particulars 1.33% Sep’25 Mar’26 Jun’26 Sep’26 Share Capital (Rs. In Cr.) 7095.59 7095.59 7095.59 7095.59 Govt. of India No. of Shares (Rs. In Cr.) 709.56 709.56 709.56 709.56 93.85% Net Worth (Rs. In Cr.) 11321 11945
Slide 31: Geographical Presence
8 Geographical Presence Northern Region Wise Classification 1694 962 92 89 Branches 39 122 1212 ATM’s 962 North 390 3405 Eastern BCs 39 40 Eastern Western Central 417 92 390 122 Northern Central Eastern Districts Covered North Eastern Western Southern Region wise Branches as on 30.09.2026 Semi Grand
Slide 32: Priority Sector Lending
9 Priority Sector Lending Mandated S. No. Particulars Sep’26 Targets 1 Priority Sector % to ANBC 40.00% 48.33% 2 Agriculture - PS % to ANBC 18.00% 19.07% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.75% 4 Weaker Section % to ANBC 12.00% 12.29% 5 Micro Enterprises (PS) % to ANBC 7.50% 13.32
Slide 33: Financial Inclusion
9 Financial Inclusion PMJDY Accounts Opened Total No. of Accounts under Atal Pension Yojna (₹ Lacs) (₹ Lacs) MUDRA Scheme (in Nos) 9.66 30.33 7.96 167070 123068 27.27 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Bima Total amount of Balance O/s in Bim
Slide 34: ESG Initiatives
9 ESG Initiatives • Climate Risk & Green Deposit Policy • Organized 24 training batches and • Well defined Board level Committee for Sustainability. trained 719 trainees in different RSETIs & Policies are in place for better • Mobilized funds under Green Earth during Q2 (2026-27). Control and Govern
Slide 35: New Features & Security getting Continuous Upgradation
10 New Features & Security getting Continuous Upgradation Digital Loan Journeys Security Features (Y.o.Y)(June’25 to June’26) New Features Cardless in Cash Withdrawal Acquisition Experience Acquisition of PSB UniC PSB UniC Digital Deposit Journey 215+ 30L+ 1 Transaction limits 1 E-Overdraft & E-Lo
Slide 36: Digital Journey
10 Digital Journey DIGITAL UPI PSB UNIC UPI UPI MERCHANTS QUARTER TRANSAC- TRANSAC- REGISTRA- USERS QR ON BOARD- ENDED TIONS* TIONS # TIONS (IN LAKHS) (IN NO.) ED (No. in Cr.) (IN CR.) (IN LAKHS) (IN NO.) September 16.62 23.49 10.30 28.26 205466 207892 25 September 20.13 28.67 12.01 34.27 223965 227
Slide 37: P&SB Loan Against Mutual Fund
10 P&SB Loan Against Mutual Fund 36
Slide 38: Gold Loan – STP Digital Journey
10 Gold Loan – STP Digital Journey 37
Slide 39: P&SB UniBot and DIGI MSME Loan
10 P&SB UniBot and DIGI MSME Loan 38
Slide 40: Collection Module - Improving Recovery Performance & Asset Quality
Collection Module - Improving Recovery Performance & Asset 10 Quality 39
Slide 41: Cash Management Solutions - Seamless Collections & Payments
10 Cash Management Solutions - Seamless Collections & Payments 40
Slide 42: P&SB Supply Chain Finance
10 P&SB Supply Chain Finance 41
Slide 43: Digital Initiatives – CBDC Connect
11 Digital Initiatives – Central Bank Digital Currency CBDC Connect 42
Slide 44: Digital Initiatives – Payment Gateway
11 Digital Initiatives – Payment Gateway 43
Slide 45: Guidance
12 Guidance Parameters Actual as on Sep’26 Achievement Guidance for FY'27 Deposit Growth (YoY) 12.97% 13-14% Advances Growth (YoY) 19.28% 16-18% RAM % to Total Advances 61.37% >60% Gross NPA 2.09% <2.0% Net NPA 0.61% <0.65% PCR 92.48% 92-93% Recovery & Upgradation 622 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
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