Punjab & Sind Bank — PPTs, 29-04-2025: Investor Presentation

### Financial Highlights:

Total business grew to ₹229,379 Cr, with deposits at ₹129,774 Cr and advances at ₹99,605 Cr. For FY 2025, net profit reached ₹1,016 Cr, reflecting a return on assets of 0.67%. Net interest income stands at ₹3,784 Cr, with a net interest margin of 2.85%. The cost-to-income ratio improved to 61.23%, while gross NPA is reported at 3.38%, and net NPA at 0.96%, indicating strong asset quality with a provision coverage ratio of 91.38%.

### Strategic Initiatives & Growth Drivers:

The bank is focusing on expansion, having opened numerous branches and enhancing its digital journey. Key products like digital car and home loans have been launched, aiming to capture a broader market segment. The bank reported a year-on-year growth of 15.87% in its retail lending portfolio, indicating a shift towards retail and MSME segments.

### Business Developments:

The bank entered into several collaborations, including partnerships with defense institutions and a new agreement with Punjab Roadways for salary accounts. These initiatives are expected to enhance customer acquisition and service delivery.

### Market Position & Competitive Advantage:

The bank maintains a solid position in the market with a substantial share in retail and SME lending. Its strong digital capabilities and customer-centric approach provide a competitive edge, supported by a high provision coverage ratio.

### Investor Implications:

Investors may find positive growth potential in the bank's expanding retail and digital loan offerings. The strong asset quality and healthy net interest margin are encouraging signs, although monitoring execution risks during this growth phase is advisable.