PNB Housing Finance Limited

rs,

/SE/EQ/FY24/69 Date: October 23, 2023 BSE Limited, Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), National Stock Exchange of India

INR 7,832 Crore

5 6 Public Key Performance Highlights Retail Segment Corporate Segment Total Disbursement INR 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (

INR 34 Crore

mance Highlights Retail Segment Corporate Segment Total Disbursement INR 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Cro

13.1%

Segment Corporate Segment Total Disbursement INR 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77

INR 4,165 Crore

porate Segment Total Disbursement INR 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ)

18.1%

ursement INR 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (

13.6%

R 7,832 Crore (H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11

72.3%

(H1FY24) INR 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11.6% YoY) INR

INR 15 Crore

R 34 Crore (H1FY24) (13.1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11.6% YoY) INR 4,180 Crore (Q2FY24

77.6%

1% YoY ) INR 4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11.6% YoY) INR 4,180 Crore (Q2FY24) (16.3% YoY | 13

20.6%

4,165 Crore (Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11.6% YoY) INR 4,180 Crore (Q2FY24) (16.3% YoY | 13.4% QoQ) Loa

INR 7,866 Crore

(Q2FY24) (18.1% YoY | 13.6% QoQ) (-72.3% YoY) INR 15 Crore (Q2FY24) (-77.6% YoY | -20.6% QoQ) INR 7,866 Crore (H1FY24) (11.6% YoY) INR 4,180 Crore (Q2FY24) (16.3% YoY | 13.4% QoQ) Loan Book INR 58,471 Cro

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

Paper

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Debentures

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Company

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Debentures

CARE, CRISIL and ICRA “AA” by India Ratings, • Bank (Long Loans Term): “AA” by CARE and CRISIL • ~69% of the total borrowings is floating • Average daily Liquidity Coverage Ratio maintained at ~101% for H1FY24 against stipulated 60% CARE, ICRA & CRISIL have upgraded the rating outlook to ‘Positive’ from ‘Stable’ As per IND-AS Public 14 Financial Highlights – Quarter on Quarter (INR Crore) Revenue Expense 1,682 1,794 1,634 1,704 1,777 1,613 1,730 1,601 1,676 1,718 69 Q2FY23 64 Q3FY23 33 Q4FY23 28 Q1FY24 59 Q2FY24 1,099 964 135 Q2FY23 1,172 1,146 1,197 1,225 996 1,008 1,048 1,057 124 52 Q3FY23 143 -5 Q4FY23 150 168 Q1FY24 Q2FY24 Interest Income Net Fees and other Income Finance Cost Operating Expense Impairment on ’assets held for sale’ Pre-provision Operating Profit Profit Before Tax & Profit After Tax 583 622 487 507 552 340 367 263 269 342 279 447 347 507 383 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Q2FY23 Q3FY23 Q4FY23 Q1FY24 Q2FY24 Profit Before Tax Profit After Tax Q2 FY23 and Q3 FY23 in

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 28