Punjab & Sind Bank — PPTs, 06-03-2025: Investor Presentation

### Financial Highlights

Punjab & Sind Bank reported total assets of ₹154,707.68 crore in December 2024, with a healthy capital structure reflected in a Total Capital Adequacy Ratio (CRAR) of 15.95% and Tier 1 Capital at 14.04%. Net profit for the nine months ending December 2024 reached ₹703.05 crore, resulting in a Return on Equity (RoE) of 10.98% and a Return on Assets (RoA) of 0.63%. The provisions for non-performing assets (NPAs) were well-managed, with a Gross NPAs ratio at 3.83% and a Net NPAs ratio at 1.25%.

### Strategic Initiatives and Growth Drivers

The bank continues to diversify its loan portfolio, focusing on increasing its share of Retail, Agriculture, and MSME (RAM) loans. Significant digital initiatives include the launch of the PSB UnIC mobile app, which supports over 150 banking features, and the introduction of fully digital lending procedures for auto and home loans.

### Business Developments

Partnerships have been established with various organizations for co-branded credit and bancassurance products, enhancing fee-based income. A major initiative involves financing MSME units, enhancing the bank's competitiveness in this vital sector.

### Market Position and Competitive Advantage

With a pan-India presence, Punjab & Sind Bank leverages a broad network comprising 1,584 branches and 1,041 ATMs, ensuring extensive coverage. The bank's stable current account and savings account (CASA) ratio at 31.16% underpins its funding base.

### Investor Implications

The overall trends suggest a positive outlook, supported by strong growth in digital transactions and strategic partnerships. Investors should closely monitor ongoing improvements in asset quality and operational efficiencies as the bank pursues its ambitious growth objectives.