Punjab National Bank

rs,

lex, Bandra (E) Mumbai - 400 051 Scrip Code : 532461 BSE Limited 1st Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 Date: 07.05.2025 Dear Sir (s), Reg.: Analyst Presentation Pursuan

31%

d the Analyst Presentation on the Audited Financial Results of the Bank for the quarter/ year ended 31%March, 2025. The same is also available at https://www.pnbindia.in/financials-current.html. You ar

₹ 4,567

ards & Guidance 46-48 Page I 2 Performance Highlights : Q4 FY’25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA %

51.7%

ance 46-48 Page I 2 Performance Highlights : Q4 FY’25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757

3.95%

Performance Highlights : Q4 FY’25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Inter

178 bps

ormance Highlights : Q4 FY’25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Inco

1.02%

Q4 FY’25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6

25 bps

25 Profitability Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6% YoY O

0.40%

Asset Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6% YoY Operating Profit

33 bps

t Quality ₹ 4,567 Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6% YoY Operating Profit 96.82%

₹ 10,757

Cr 51.7% YoY Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6% YoY Operating Profit 96.82% 143 bps YoY PCR (Inc.

3.8%

Net Profit 3.95% 178 bps YoY GNPA % 1.02% 25 bps YoY ROA% 0.40% 33 bps YoY NNPA % ₹ 10,757 Cr 3.8% YoY Net Interest Income ₹ 6,776 Cr 5.6% YoY Operating Profit 96.82% 143 bps YoY PCR (Inc.Two) %

“nudges Highlights Business Financial Asset Quality Share/ Capital Digitalization /Analytics HR/Network/GB/RRB ESG/ Award Page I 39 HR Transformation Project Revamped Digital PMS under UDAAN Bank utilizes a Role Clarity Tool to assign areas result Key (KRAs) and measure officer performance.”

“Appraisal Tool based data  Benchmarking/Monthly on targets historical and market trends allocated against KRA through a data driven Scientific Target Setting Tool.”

“each Scientific Target Tool Highlights Business Financial Asset Quality Share/ Capital Digitalization /Analytics HR/Network/GB/RRB ESG/ Award Page 40 HR Transformation CAPABILITY BUILDING INITIATIVES”

“Ensures Digital and Data driven postings of officers up to Scale III Continuous guidance and support through tracking Real-time progress and monitoring Best Fit Officer for a role based on Job Family matching 4 year-long grooming plans developed to promote specialization growth & 3-Tier Approach to”

“Bank drafted Carbon neutrality plan with the target year of FY2031.”

“• API integration with NCCRP (National Cyber Crime cybercrime for handling Portal) Reporting complaints • New Enterprises Fraud Risk Management (EFRM) for prevention of unauthorized electronic banking transactions ACCELERATING GREEN FINANCING Highlights Business Financial FY25 Share/ Capital Asset Quality Solar Rooftop (Sanctions) ₹485 Cr.”

Upgradation include

1

PNB Prarambh

1

Progression

1

CIMSME Banking Excellence Award for

1

Upgradation include

 Technology Upgrade  Enhanced Security  Monitoring aspects  Content management Revamping Retail & Corporate IBS for Enhanced UI/UX & Security Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 38 Analytics Driven Decision Making Business Augmentation (Amt ₹ in Crore) 22+ Product Deployed Propensity Models – PNB ध्वनि Boosting employee productivity using GenAi powered Podcast. 30889 22896 PNB InsightX – Real-time news summarization https://pnbinsightx.pnb.in/ Complaint Identifying drivers and hotspot branches Analytics key – grievance Branch Review Analytics Portal – to Analyzing improve branch service feedback public Mule Detection – Spotting fraud current accounts using ML. patterns in As on Mar’24 As on Mar’25 RETAIL AGRI MSME Wealth Analytics - Driving business through investment pattern insights Engagement Engine - Trigger- based boost to customer interaction. nudges Highlights Business Financial Asset Quality

PNB Prarambh

Management Trainee Tool Posting Tool Job – Family wise Grooming Plan 360 – Degree Feedback Leadership Development Program Succession Planning Tool Extensive 52-week training program, ensuring a smooth transition. Ensures Digital and Data driven postings of officers up to Scale III Continuous guidance and support through tracking Real-time progress and monitoring Best Fit Officer for a role based on Job Family matching 4 year-long grooming plans developed to promote specialization growth & 3-Tier Approach to

Progression

Career Year), (1st Basic Intermediate (2nd & 3rd and Years), Advanced (4th Year) Comprehensive tool 360- gathered feedback degree behavioral across functional and for competencies employees and provided Feedback having Report provision for Skill- Will Metrix. Expanding leadership capabilities by training 184 newly promoted Scale V officers Refresher batch titled “Udaan Elevate” for the first- year participants to reinforce and build their upon leadership journey Data driven Succession Pipelines created by digital tool identified critical roles for Ensuring a pipeline future-ready of of skilled individuals ready to step critical into roles pool Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 41 Transformation of Learning & Development System CENTRE OF EXCELLENCE CREATION OF CENTRE OF EXCELLENCE  Setting up Centre of Excellence (CoE) to cater training needs of Banking Industry.  Revamped libraries & e-learning

CIMSME Banking Excellence Award for

 Best Bank for implementing Government Schemes (Winner)  Best MSME Friendly Bank (Runner Up) Prestigious Silver Shield for Excellence in Financial Reporting in the category of PSBs for the Year 2023-24 by ICAI 'Institutional Excellence Award for Pioneering Initiatives for New Gen Workforce‘ at the Industry-Academia Conference by People Labs. Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 47 Actuals v/s Guidance for FY’25 & Guidance for FY’26 Guidance for FY’25 Actuals Parameters Credit Growth % (YoY) Deposit Growth % (YoY) CASA Share % Operating Profit Gr % (YOY) Net Interest Income Gr % (YOY) NIM % Gross NPA % Net NPA % PCR % (incl TWO) Credit Cost % FY’25 11% - 12% 9% - 10% Around 42% 10% - 12% Around 10% 2.9% - 3.0% June’24 (Q1 FY25) Sep’24 (HY1 FY25) Dec’24 (9M FY25) 12.20% 8.50% 40.08% 10.27% 10.23% 3.07% 12.76% 11.33% 39.31% 10.26% 8.06% 2.99% 14.79% 15.58% 38.12% 8.32% 7.76% 2.97% Mar’25 (FY25) 13.6% 14.4%