Punjab National Bank

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T: 01 1 28075000, 28045000 I tiara aBner &zs Fwnlab national bank gvm oi=ifa=r: #Fc d.4, Mv- 1 o, gwr. q{ faee8-110075 Head Office: Plot No. 4, Sector - IO, Dwarka, New Delhi 110075 India a ®(!rD(a)

1.02%

6 Digitalization/Analytics 36-38 8 ESG, Awards & Guidance 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating

25 bps

gitalization/Analytics 36-38 8 ESG, Awards & Guidance 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating Profit

₹ 10,757

ics 36-38 8 ESG, Awards & Guidance 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating Profit Performance Highlights

3.8%

ESG, Awards & Guidance 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating Profit Performance Highlights : Q2 FY

₹ 6,776

rds & Guidance 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating Profit Performance Highlights : Q2 FY’26 Profitabi

5.6%

ce 44-46 Page I 2 Profitability 1.02% 25 bps YoY ROA% ₹ 10,757 Cr 3.8% YoY ₹ 6,776 Cr 5.6% YoY Net Interest Income Operating Profit Performance Highlights : Q2 FY’26 Profitability A

₹ 4,904

e Operating Profit Performance Highlights : Q2 FY’26 Profitability Asset Quality Net Profit ₹ 4,904 Cr 14.0% YoY GNPA % 3.45% 103 bps YoY ROA% 1.05% 03 bps YoY NNPA % 0.36% 10 bps YoY Book Value

14.0%

ng Profit Performance Highlights : Q2 FY’26 Profitability Asset Quality Net Profit ₹ 4,904 Cr 14.0% YoY GNPA % 3.45% 103 bps YoY ROA% 1.05% 03 bps YoY NNPA % 0.36% 10 bps YoY Book Value Per Sha

3.45%

nce Highlights : Q2 FY’26 Profitability Asset Quality Net Profit ₹ 4,904 Cr 14.0% YoY GNPA % 3.45% 103 bps YoY ROA% 1.05% 03 bps YoY NNPA % 0.36% 10 bps YoY Book Value Per Share (Tangible) ₹ 95

103 bps

ghlights : Q2 FY’26 Profitability Asset Quality Net Profit ₹ 4,904 Cr 14.0% YoY GNPA % 3.45% 103 bps YoY ROA% 1.05% 03 bps YoY NNPA % 0.36% 10 bps YoY Book Value Per Share (Tangible) ₹ 95.92 21.1

1.05%

6 Profitability Asset Quality Net Profit ₹ 4,904 Cr 14.0% YoY GNPA % 3.45% 103 bps YoY ROA% 1.05% 03 bps YoY NNPA % 0.36% 10 bps YoY Book Value Per Share (Tangible) ₹ 95.92 21.1% YoY Operating

“Zero-buffer target allocation with embedded system- based guardrails to ensure fairness and transparency.”

“• Strengthened the capacity of the subsidiaries to initiate the development of carbon neutrality plans aligned with the Bank’s target year of FY31.”

Radar

1

Way Forward

1

Radar

Sandbox setup of open weight Language Model for Analytics & Insights. Complaint Analytics – Identifying key grievance drivers and hotspot branches

Way Forward

Deposit & Transaction Score (DTS): Unlocking depositor value. ICC Emerging Banking Awards **Winner** Best Bank for AI/ML Implementation# in Banking – Public Sector Bank (Large) #ABDCM System for Debt collection, Ai based ATM CRL & Ai based MuleHunter Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page I 38 HR Transformation Project “UDAAN” Empowering Excellence: Revamped Digital PMS under UDAAN Business-Aligned KRA Scientific Target Setting Performance Management System (PMS) Next-Generation Appraisal Framework Strategic Workforce Planning Udaan Mobile App Cohort-based benchmarking leveraging three- year pin code -level market growth and historical branch performance. Zero-buffer target allocation with embedded system- based guardrails to ensure fairness and transparency. Incorporates local market dynamics and peer branch comparisons. Reduces manual effort through automated allocation and visual deviation reports. Ensur