Punjab National Bank

rs,

ange Plaza" Bandra - Kurla Complex, Bandra (E) Mumbai - 400 051 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 Date: 26.10.2023 Dear Sir (s), Reg.: Analyst Presentation Pursuan

₹ 1756

-40 8 ESG, Awards & Guidance 45-48 Page I 2 Performance Highlights : Q2 FY’24 Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest

327.14%

G, Awards & Guidance 45-48 Page I 2 Performance Highlights : Q2 FY’24 Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3

₹ 6216

-48 Page I 2 Performance Highlights : Q2 FY’24 Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global N

11.67%

I 2 Performance Highlights : Q2 FY’24 Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset

₹ 9923

: Q2 FY’24 Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GN

19.97%

Profitability ₹ 1756 Cr 327.14% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.

3.11%

% YoY Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.47% 232 bps YoY NNPA % 91.91% 7

11 bps

Net Profit ₹ 6216 Cr 11.67% YoY Operating Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.47% 232 bps YoY NNPA % 91.91% 795 bps

6.96%

ting Profit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.47% 232 bps YoY NNPA % 91.91% 795 bps YoY PCR (Inc.Two) % 1.31% 45 bps YoY

352 bps

rofit ₹ 9923 Cr 19.97% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.47% 232 bps YoY NNPA % 91.91% 795 bps YoY PCR (Inc.Two) % 1.31% 45 bps YoY Credit

1.47%

7% YoY Net Interest Income 3.11% 11 bps YoY Global NIM Asset Quality 6.96% 352 bps YoY GNPA % 1.47% 232 bps YoY NNPA % 91.91% 795 bps YoY PCR (Inc.Two) % 1.31% 45 bps YoY Credit Cost % Business ₹

“Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 40 HR Transformation Project  Comprehensive LDP to prepare future Bank leaders on behavioral aspects for 900+ Officers.”

“ Business target linked to the local market reality of through scientific tool.”

“Except for the historical information contained herein, statements in this presentation which contain words or phrases such as “is”, “aims”, “will”, “would”, “indicating”, “expected to”, “guidance“, “way forward”, “expected”, “estimate”, “objective”, “goal”, “strategy”, “philosophy”, “project” etc.”

QoQ Gr.

4

QoQ Gr.

4.2% Sept'22 Mar'23 June'23 Sept'23 Sept'22 Mar'23 June'23 Sept'23 Vehicle Loan YoY Gr.: 28.3% Personal Loan YoY Gr.: 39.0% 16478 17093 18010 14038

QoQ Gr.

4.9% Sept'22 Mar'23 June'23 Sept'23 Sept'22 Mar'23 June'23 Sept'23 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 9 Priority Sector Achievement TOTAL PRIORITY SECTOR ADVANCES @41.60% of ANBC against norm of 40% AGRICULTURE (PS) ADVANCES @18.70% of ANBC against norm of 18% Amt ₹ in Crore Agriculture Gold Loan QoQ Gr.: 46.19% 3586 2453 1478 441 SMALL & MARGINAL FARMERS @10.84% of ANBC against norm of 10% Sept'22 Mar'23 June'23 Sept'23 WEAKER SECTION @14.44% of ANBC against norm of 12.00% MICRO ENTERPRISES @7.67% of ANBC against norm of 7.50% Micro and Small Enterprises YoY Gr : 8.00% 110734 105159 102531 102557 Sept'22 Mar'23 June'23 Sept'23 ACHIEVED ALL MANDATED TARGETS Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page I 10 MSME Segment Mix Total as on Sept’23 :- Rs 138661 Crores 21.2% 20.5% 20.2% 35.3% 36.5% 37.4% 43.5% 43.0% 42.4% Sept'22 June'23 Sept'23 Micro Small