PNB Housing Finance Limited

rs,

/SE/EQ/FY24/94 Date: January 24, 2024 BSE Limited, Listing Department, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 540173 Dear Sir(s), National Stock Exchange of India

INR 11,942 Crore

5 6 Public Key Performance Highlights Retail Segment Corporate Segment Total Disbursement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (

16.1%

nce Highlights Retail Segment Corporate Segment Total Disbursement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR

INR 4,110 Crore

s Retail Segment Corporate Segment Total Disbursement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47

22.2%

e Segment Total Disbursement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7%

1.3%

tal Disbursement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12

INR 67 Crore

sement INR 11,942 Crore (9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24)

64.0%

(9MFY24) (16.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24) (14.7% YoY) INR

INR 33 Crore

6.1% YoY ) INR 4,110 Crore (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24) (14.7% YoY) INR 4,143 Crore (Q3FY2

47.8%

re (Q3FY24) (22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24) (14.7% YoY) INR 4,143 Crore (Q3FY24) (20.9% YoY | -

117.7%

(22.2% YoY | -1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24) (14.7% YoY) INR 4,143 Crore (Q3FY24) (20.9% YoY | -0.9% QoQ) Lo

INR 12,009 Crore

-1.3% QoQ) INR 67 Crore (9MFY24) (-64.0% YoY) INR 33 Crore (Q3FY24) (-47.8% YoY | 117.7% QoQ) INR 12,009 Crore (9MFY24) (14.7% YoY) INR 4,143 Crore (Q3FY24) (20.9% YoY | -0.9% QoQ) Loan Book INR 60,129 Cro

“Disbursement for 9MFY24 stands at INR 1,008 crore Average ticket size of ~INR 15 lac at sanction Affordable presence expanded to 100 branches/outreaches; opened Pink branch (first all-women branch) in Tamil Naidu Plan to expand presence to 160 branches & outreaches over next few months Map not to scale.”

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

The rating upgrade takes into account

1

Company

1

The rating upgrade takes into account

• Granularization of loan book, with 96% of the book being retail, and almost complete rundown of the corporate book • Ease of asset quality pressure due to recoveries, write-offs and sale of delinquent assets to ARCs • Equity infusion provides the necessary growth capital to expand the franchisee in the granular mortgage space Credit Rating Status Rating Agency Fixed Deposit NCDs Bank Loans Commercial Paper India Ratings - CRISIL ICRA CARE AA (Outlook Positive) - AA (Outlook Positive) AA+ (Outlook Stable) AA (Outlook Positive AA (Outlook Positive) AA (Outlook Positive) AA+ (Outlook Stable) AA (Outlook Positive - AA (Outlook Positive) Public - A1+ - A1+ Certified as a “Great Place to Work” by building a ‘High Trust, High Performance Culture”. 6 Update on Strategic Objectives Asset Mix Asset Mix Distribution Network Distribution Network Underwriting & Collections • Increased Retail contribution in Loan Asset to • Plan to expand presence in Prime & 96.5% in Dec-23 from 91.5% in Dec-23 •

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 32