PUNJAB & SIND BANK Q2 FY27 : 18–20% LOAN GROWTH GUIDANCE, RAM EXPANSION & IMPROVING ASSET QUALITY OUTLOOK

• LOAN GROWTH GUIDANCE MAINTAINED AT 18–20%; DEPOSIT GROWTH TARGETED AT 13–14% • TOTAL BUSINESS TARGETED AT ₹3 LAKH CR BY MARCH 2027 & ₹4 LAKH CR BY MARCH 2029 • RAM LOAN SHARE TARGETED AT 65% BY FY27 & 70% BY FY28, FROM CURRENT 61.37% • NIM EXPECTED TO IMPROVE FROM CURRENT 2.77%, SUPPORTED BY HIGHER INTEREST RATES • CORPORATE LOAN PIPELINE AT APPROXIMATELY ₹20,000 CR, INCLUDING ₹8,000–9,000 CR IN-PRINCIPLE SANCTIONS • GROSS NPA TARGETED BELOW 2% BY MARCH 2027; NET NPA EXPECTED TO IMPROVE FURTHER • RECOVERY & UPGRADATION TARGET MAINTAINED ABOVE ₹1,000 CR FOR FY27 • SMA RATIO TARGETED TO DECLINE TO 2–2.5% FROM BELOW 4% • ECL TRANSITION IMPACT ESTIMATED AT ₹700 CR; FUTURE PROVISIONING EXPECTED AT 50–60 BPS • GIFT CITY OPERATIONS EXPECTED TO BEGIN BY END-NOVEMBER 2026 • BANK IDENTIFIED 300 POTENTIAL BRANCH LOCATIONS; QIP CAPITAL RAISING UNDER CONSIDERATION • LOW CASA RATIO, TREASURY PRESSURE & POTENTIAL QIP DILUTION REMAIN KEY RISKS

PUNJAB & SIND BANK

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