Punjab & Sind Bank — PPTs, 18-07-2026: Investor Presentation

**Business Performance:** PSB Bank reported robust Q1 results. Total business grew 15.27% YoY to ₹266,420 crore. Gross advances surged 19.35% YoY to ₹119,290 crore, led by Retail (+36.44%), MSME (+32.71%), and Agri (+25.85%). Deposits rose 12.16% YoY to ₹147,130 crore. Net profit jumped 23.05% YoY to ₹331 crore. Asset quality significantly improved, with Gross NPA at 2.21% and Net NPA at 0.65%.

**Growth Drivers or Strategy:** Strategic focus on RAM segments (Retail, Agri, MSME) is paying off, now 60.02% of advances. Digital transformation is a core growth driver, with UPI users up 21% and UPI transactions up 22%.

**Recent Developments:** The bank launched new digital products like E-Overdraft, E-Loan against Bank Deposit, online FDs for NRIs, and PSB DIGI MSME, while enhancing platform security.

**Key Financial Metrics:** Gross Advances: ₹119,290 Cr (+19.35% YoY). Net Profit: ₹331 Cr (+23.05% YoY). Gross NPA: 2.21%. Net NPA: 0.65%. Return on Assets: 0.73%.

**Management Commentary / Outlook:** For FY'27, management expects 13-14% deposit growth and 16-18% advances growth. Outlook includes targeting Gross NPA <2.0% and Net NPA <0.65%, alongside over ₹1,000 crore in recoveries.