PNB Housing Finance Limited

rs,

HFL/SE/EQ/FY24/44 Date: July 24, 2023 BSE Limited, Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), National Stock Exchange of India

INR 2,493.76 Crore

ue – Subscribed by ~1.21 times Rights Issue • Successful completion of Right Issue in May 2023 of INR 2,493.76 Crore with ~1.21 times subscription • Top 4 shareholders viz PNB, Carlyle, Ares SSG, General Atlantic

INR 532

25,95,43,696 30-Jun-23 fully paid Equity Shares 16,88,55,818 Equity Shares (pre- rights issue) INR 532 30-Jun-23 INR 652 31-Mar-23 • Participation from large domestic and foreign institutional invest

INR 652

un-23 fully paid Equity Shares 16,88,55,818 Equity Shares (pre- rights issue) INR 532 30-Jun-23 INR 652 31-Mar-23 • Participation from large domestic and foreign institutional investors Capital Adequ

29.93%

ilized to fund strategic growth plans and CRAR capitalize on the available growth opportunities 29.93% 30-Jun-23 Leverage 3.82x 30-Jun-23 24.43% 31-Mar-23 4.87x 31-Mar-23 Public 3 Shareholding Pa

3.82x

wth plans and CRAR capitalize on the available growth opportunities 29.93% 30-Jun-23 Leverage 3.82x 30-Jun-23 24.43% 31-Mar-23 4.87x 31-Mar-23 Public 3 Shareholding Pattern Shareholding Pattern

24.43%

RAR capitalize on the available growth opportunities 29.93% 30-Jun-23 Leverage 3.82x 30-Jun-23 24.43% 31-Mar-23 4.87x 31-Mar-23 Public 3 Shareholding Pattern Shareholding Pattern Pre - Rights Iss

4.87x

the available growth opportunities 29.93% 30-Jun-23 Leverage 3.82x 30-Jun-23 24.43% 31-Mar-23 4.87x 31-Mar-23 Public 3 Shareholding Pattern Shareholding Pattern Pre - Rights Issue (as on 5th Ap

32.5%

apore Fund Fii Pte Ltd Foreign Inst. Investors Mutual Funds Public & Others Bodies Corporates 32.5% 32.1% 9.9% 9.8% 4.8% 1.9% 6.8% 2.2% 28.2% 32.7% 9.9% 9.8% 5.1% 4.5% 6.1% 3.8% -4.4%

32.1%

und Fii Pte Ltd Foreign Inst. Investors Mutual Funds Public & Others Bodies Corporates 32.5% 32.1% 9.9% 9.8% 4.8% 1.9% 6.8% 2.2% 28.2% 32.7% 9.9% 9.8% 5.1% 4.5% 6.1% 3.8% -4.4% 0.6%

9.9%

Pte Ltd Foreign Inst. Investors Mutual Funds Public & Others Bodies Corporates 32.5% 32.1% 9.9% 9.8% 4.8% 1.9% 6.8% 2.2% 28.2% 32.7% 9.9% 9.8% 5.1% 4.5% 6.1% 3.8% -4.4% 0.6% 0.0%

9.8%

td Foreign Inst. Investors Mutual Funds Public & Others Bodies Corporates 32.5% 32.1% 9.9% 9.8% 4.8% 1.9% 6.8% 2.2% 28.2% 32.7% 9.9% 9.8% 5.1% 4.5% 6.1% 3.8% -4.4% 0.6% 0.0% 0.0%

“• Undertaken various programme under Environment and Water Conservation in MP, Rajasthan, UP, Haryana & Maharashtra • Setting-up a bottle recycling machines in Maharashtra with aim to save approx.”

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

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Debentures

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Company

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& “A1(+)” CRISIL 32.1% 42.2% 32.1% 42.0% 10.2% 9.9% NHB Refinance Loan from Banks ECBs Deposits NCDs NHB Refinance Loan from Banks ECBs Deposits NCDs CPs Borrowings INR 53,655 Crore | Total Resource INR 60,841 Crore Borrowings INR 52,700 Crore | Total Resource INR 59,497 Crore • Non-Convertible

Debentures

CARE, CRISIL and ICRA India “AA” by Ratings, • Bank Loans (Long Term): “AA” by CARE and CRISIL • ~67% of the total borrowings is floating • Average daily Liquidity Coverage Ratio maintained at 96% for Q1FY24 against stipulated 60% Care Rating has upgraded the rating outlook to ‘Positive’ from ‘Stable’ As per IND-AS Public 16 Financial Highlights – Quarter on Quarter (INR Crore) Revenue 1,794 1,682 1,634 1,704 1,048 1,099 1,172 1,146 1,197 Expense 1,409 1,301 108 1,613 1,730 1,601 1,676 69 64 Q1FY23 Q2FY23 Q3FY23 33 Q4FY23 28 Q1FY24 930 118 964 135 Q1FY23 Q2FY23 996 1,008 1,048 124 52 Q3FY23 143 -5 Q4FY23 150 Q1FY24 Interest Income Net Fees and other Income Finance Cost Operating Expense Impairment on ’assets held for sale’ Pre-provision Operating Profit 583 622 487 507 359 Profit Before Tax & Profit After Tax 311 235 340 367 263 269 342 279 447 347 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q1FY23 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Profit Before Tax Profit After Tax Q2 FY23 and Q3 FY23 includes one o

Company

PNB Housing Finance Limited CIN: L65922DL1988PLC033856 Ms. Deepika Gupta Padhi (Head-Investor Relations & Treasury) Phone: +91 11 23445214 Investor.relations@pnbhousing.com www.pnbhousing.com Public 29