PNB Housing Finance Limited — PPTs, 21-07-2025: Investor Presentation

Here's the summary of PNB Housing Finance Limited's investor presentation:

**Financial Highlights:**

Retail Loan Asset soared 18% YoY to INR 76,923 Cr, with disbursements up 14% YoY to INR 4,980 Cr. Asset quality improved: Gross NPA 1.06% (vs 1.08% QoQ), Net NPA 0.69%. Healthy margins: Spread 2.23%, NIM 3.74%. ROA 2.57% (annualized).

**Strategic Initiatives & Growth Drivers:**

Key focus on high-yielding Affordable & Emerging Markets segments, now 37% of retail loan assets & 50% of disbursements. Aims to boost profitability and operational efficiency via digitization.

**Business Developments:**

Network expanded to 356 branches, prioritizing growth segments (200 Affordable, 80 Emerging Markets). Affordable 'Roshni Business' segment reached INR 5,744 Cr loan assets, serving 41K+ customers. Automation efforts scaling operations.

**Market Position & Competitive Advantage:**

Strong distribution & diversified borrowing. Solid credit quality (85% of Q1FY26 loans >700 bureau score). Effective collections recovered INR 57 Cr from written-off pools.

**Investor Implications:**

Positive growth potential from strategic segment focus and improved asset quality. Digital initiatives & recovery efforts could drive sustained performance.