PNB Housing Finance Limited — PPTs, 27-10-2025: Investor Presentation

PNB Housing Finance reported strong financial results for the quarter and half-year. Business performance saw overall retail loan book growth of 17%, significantly driven by the Affordable and Emerging Markets segments, which surged 121% and 21% YoY, respectively. These high-yielding segments now contribute 38% to the retail loan book and 50% to total retail disbursements. Overall retail disbursements rose 12% for the quarter.

The company's strategy focuses on expanding its Affordable and Emerging Markets loan assets, including deeper penetration into Tier 2 and 3 cities. Digital initiatives are key, improving operational efficiencies and underwriting, with 28% of eligible salaried cases now Straight Through Processed.

Asset quality improved, with Gross NPA at 1.04% and Net NPA at 0.69%; Corporate GNPA stands at NIL. The company recovered 59 Cr from its written-off pool in the quarter. Net Profit after Tax increased 24% YoY to 582 Cr for the quarter, and 1,115 Cr for the half-year. Return on Assets annualized at 2.73% for the quarter. Management remains committed to maintaining robust asset quality and a diversified borrowing mix to enhance profitability.