Punjab & Sind Bank — PPTs, 17-01-2026: Investor Presentation

PSB Bank delivered strong Q3 financial results. Total business grew 11.75% YoY to ₹249499 Cr, with gross advances up 15.05% and deposits up 9.27%. Net Profit for Q3 jumped 19.15% to ₹336 Cr, and operating profit rose 22.73%. Asset quality significantly improved: Gross NPA fell to 2.60% (from 3.83% YoY), and Net NPA to 0.74% (from 1.25% YoY). Book Value Per Share stands at ₹16.44.

The bank is actively expanding its branch & BC network, aiming for 6000 BCs by March '27. Digital transformation is a key growth driver, with new features in the UniC app, and quick digital loans for MSME, home, and car purchases. Recently launched digital products include Commercial Vehicle Loans (up to ₹50 lakh) and Rooftop Solar Loans (up to ₹2 lakh). ESG focus includes 'PSB GO-GREEN' financing.

Management projects FY'26 deposit growth of 8-10% and advances of 15-16%. The bank aims for Gross NPA below 2.5% and Net NPA below 0.75% for FY'26. Capital Adequacy (CRAR) remains strong at 16.83%. #PSBBank #FinancialResults