PNB

E] S? r>nb 'B J(Z1p Amrit Mahotsav pab one ...the name you can BANK upon! #JunOweftpp Share Department, Board & Coordination Division, Head Office Plot No.4 Sector IO, Dwarka, New Delhi-llO075, E-mail: hQ sa@lpnb,benk,in Scrip Code: PNB Scrip Code: 532461 National Stock Exchange of India Limited BSE Limited “Exchange Plaza' 1 st Floor, Phiroze Jeejeebhoy Towers Bandra – Kurla Complex, Bandra (E) DalaI Street Mumbai – 400 051 Mumbai – 400 001 Date: 18.07.2026 Dear Sir (s), Reg.: Analyst Presentation on Unaudited (Reviewed) Financial Results for the Quarter ended on 30th June, 2026 Pursuant to Regulation 30 read with Clause 15 of Para A of Part A of Schedule III of the SEBI (LODR) Regulations, 2015, please find enclosed Analyst Presentation on the Unaudited (Reviewed) Financial Results of the Bank for the quarter ended 30th June, 2026 The same is also available at https://pnb.bank.in/financials-current.html. You are requested to take the above on record. Thanking you, (Bikramjit Shorn) Company Secretary Enclosed: As above dana a9aa avm punjab national bank E g gm aT=fm: @fed.4, M!-lo, atol. q{feHt-110075 pnb. bank.in T: 01 1 28075000, 28045000 Head Office: Plot No. 4, Sector - 10, Dwarka. New Delhi 110075 India (f)Oai)@)©)pnbindia @) www.pnb.bank.in y• dana anS:Irg;! punjab?asI::!9£Akcjro\\ FINANCIAL RESULTS Q1 FY 2027 18th July 2026 Follow our Official Page: www.pnb.bank.in Contents Macro Economy Business Financial Asset & Performance Performance Performance Quality Highlights 3-8 9-19 20-25 26-31 HR, Network, Shareholding Digitalization ESG, Awards Group Business & Capital & Analytics & Guidance & RRBs 32-33 34-37 38-41 42-45 2 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Indian Economy Resilient Growth Momentum Despite Evolving Global Headwinds GDP Projections – CY 2026 India Stands Out Among Major Economies 7.0% Strong Domestic Fundamentals Supported by Policy Credibility, Structural Reforms and 4.6% Digital Transformation 3.0% 2.3% 0.9% 1.0% 0.6% Major Headwinds World United Euro Area United Japan China India States Kingdom Global Growth & Trade Uncertainty Consumption Infra Investment & Slower Global Growth and Trade Frictions Services Strength Rural Demand Recovery & Tax Relief Supporting Domestic Strong Public and Private Capex Geopolitical Uncertainties Demand Momentum West Asia Conflict and Trade Restrictions (Auto Sector Recorded Highest- Growth IT Tech, GCC & Financial Ever Q1 Dispatches in FY27) Services driving growth Crude Oil Volatility Drivers Foreign Trade & External Banking Sector Volatile Crude Prices, Current Account Deficit Strength & Imported Inflation Credit Growth at 9 quarters high Exports grew by 11.4% in Q1 in Jun’26 FY27. Strong Forex Reserves Stable Asset Quality & Inflationary Pressures ($ 675.2 Bn as of 10th Jul’26) Adequate Capital El-Nino Effect & Lower Kharif Sowing Source : IMF World Economic Outlook Update (July 2026), MoCI (GoI), RBI, SIAM; CY – Calendar Year 3 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Data for Q1 FY’27 NET PROFIT ROA% BOOK VALUE PER OPERATING PROFIT SHARE (TANGIBLE) +213.6% YoY +67 bps YoY +6.2% YoY +17.2% YoY ₹ 5,253 Cr 1.04% ₹ 108.58 ₹ 7,519 Cr GNPA % NNPA % PCR (Inc. TWO) % SLIPPAGE RATIO -100 bps YoY -10 bps YoY +35 bps YoY -3 bps YoY 2.78% 0.28% 97.23% 0.68% GLOBAL BUSINESS GLOBAL DEPOSITS GLOBAL ADVANCES RAM ADVANCES +10.2% YoY +8.5% YoY +12.7% YoY +12.8% YoY ₹ 29,97,970 Cr ₹ 17,24,837 Cr ₹ 12,73,132 Cr ₹ 6,88,487 Cr 4 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Profitability Return on Assets (%) Net Profit 5100 5225 5253 4508 4567 4904 1.02% 1.03% 1.02% 1.05% 1.06% 1.06% 1.04% 4303 0.82% 3252 1675 0.37% (Annualized) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 Operating Profit Net Interest Income 6581 6853 6621 6776 7081 7227 7481 7500 7519 10476 10517 11032 10757 10578 10469 10533 10380 10798 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 5 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Profitability Earning Per Share Return on Equity - Tangible (%) (₹) 16.82% 19.91% 19.22% 19.23% 17.95% 17.80% 18.00% 17.33% 3.90 3.92 3.97 4.27 4.44 4.55 4.57 2.95 6.59% (Annualized) 1.46 (Not Annualized) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 Book Value Per Share - Tangible Book Value Per Share - Total CRAR CET I (%) 18.13% 114.09 114.77 119.91 16.36% 17.01% 17.50% 17.19% 16.77% 17.74% 108.57 15.79% 102.02 103.36 105.23 15.41% 98.47 93.87 108.58 101.89 102.95 14.52% 92.64 95.92 13.62% 82.75 84.83 12.33% 12.95% 12.75% 12.52% 79.18 11.59% 73.11 10.95% 10.65% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 6 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Asset Quality Net NPA% Gross NPA% 4.98% 4.48% 0.60% 4.09% 3.95% 3.78% 0.46% 3.45% 0.41% 0.40% 0.38% 0.36% 0.32% 3.19% 0.29% 0.28% 2.95% 2.78% June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Net NPA Amount Gross NPA Amount 51263 5930 47582 45414 44082 42673 40343 39314 4674 37124 35381 4437 4291 4132 4026 3834 3610 3433 June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 7 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Asset Quality Credit Cost % PCR%- (Incl. TWO) PCR%- (excl TWO) 0.46% 0.32% 0.30% 95.90% 96.67% 96.77% 96.82% 96.88% 96.91% 96.99% 97.14% 97.23% 0.21% 0.25% 0.14% 0.12% 0.08% (Annualized) 90.18% 90.23% 90.27% 90.32% 90.02% 90.25% 90.28% 90.30% 88.43% -ve June'24 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 Slippage Ratio % Slippages(Fresh Addition) Amount 1.14% 0.94% 0.89% 3001 0.76% 2758 0.69% 0.71% 0.71% 0.67% 0.68% 1755 2181 1774 1886 1955 1901 2080 (Annualized) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 FY'25 FY'25 FY'25 FY'25 FY'26 FY'26 FY'26 FY'26 FY'27 8 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Business Mix Global Business Growth % Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Business 2719276 2969685 2997970 1.0% 10.2% 1a Overseas Business 102742 127676 123933 -2.9% 20.6% 29.98 29.70 28.92 1b Domestic Business 2616535 2842010 2874037 1.1% 9.8% 27.87 27.19 2 Global Deposits 1589379 1711126 1724837 0.8% 8.5% June'25 Sept'25 Dec'25 Mar'26 June'26 2a Overseas Deposits 51924 62067 54660 -11.9% 5.3% 2b Domestic Deposits 1537455 1649060 1670177 1.3% 8.6% Global Deposits Global Advances 15.89 16.17 16.60 17.11 17.25 3 Global Advances 1129898 1258559 1273132 1.2% 12.7% 12.31 12.59 12.73 11.70 11.30 3a Overseas Advances 50818 65609 69273 5.6% 36.3% 3b Domestic Advances 1079080 1192950 1203859 0.9% 11.6% 4 CD Ratio 71.1% 73.6% 73.8% June'25 Sept'25 Dec'25 Mar'26 June'26 9 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Deposits Domestic Deposit Mix – June’26 Growth % Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Deposits (2+3) 1589379 1711126 1724837 0.8% 8.5% 0.79 (4.7%) 2 Overseas Deposits 51924 62067 54660 -11.9% 5.3% 5.34 (32.0%) 3 Domestic Deposits 1537455 1649060 1670177 1.3% 8.6% 10.57 (63.3%) 4 Current Deposits 70656 79294 79318 - 12.3% 5 Savings Deposits 497981 530321 533798 0.7% 7.2% 6 CASA Deposits (4+5) 568638 609615 613116 0.6% 7.8% Current Deposits Savings Deposits Term Deposits 7 Domestic CASA Share % 37.0% 37.0% 36.7% 8 Total Term Deposits 1020741 1101507 1111721 0.9% 8.9% 10 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Advances Growth % Domestic Credit Mix – June’26 Sl. Parameters June’25 Mar’26 June’26 (In Rs. Lakh Crore) QoQ YoY 1 Global Advances (2+3) 1129898 1258559 1273132 1.2% 12.7% 2 Overseas Advances 50818 65609 69273 5.6% 36.3% 2.86 3 Domestic Advances 1079080 1192950 1203859 0.9% 11.6% (23.7%) 5.15 Out of which (42.8%) 2.00 4 Retail 262219 280779 285880 1.8% 9.0% (16.6%) 2.03 4a Retail excluding IBPC 218842 251729 257064 2.1% 17.5% (16.9%) 5 Agriculture 178885 199919 199582 -0.2% 11.6% 5a Agriculture PS 138862 158915 161668 1.7% 16.4% 6 MSME 169426 195027 203025 4.1% 19.8% 7 RAM (4+5+6) 610530 675725 688487 1.9% 12.8% Retail Agriculture 8 RAM Share % 56.6% 56.6% 57.2% MSME Corporate & Others 9 Corporate & Others 468550 517225 515372 -0.4% 10.0% 11 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Retail Advances Retail* Home Loan* YoY Gr.: 17.5% YoY Gr.: 11.9% 132840 233532 243608 251729 257064 129832 218842 127364 124099 118708 June'25 Sept'25 Dec'25 Mar'26 June'26 June'25 Sept'25 Dec'25 Mar'26 June'26 Vehicle Loan* Education Loan YoY Gr.: 34.4% YoY Gr.: 6.8% 9137 9070 36599 9036 35199 33458 8902 29512 27229 8553 June'25 Sept'25 Dec'25 Mar'26 June'26 June'25 Sept'25 Dec'25 Mar'26 June'26 * Excluding IBPC 12 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Government Flagship Schemes As on June’26 PM SURYA GHAR YOJANA Amt in Rs. Amt in Rs. No. of Q1 FY26 Q1 FY27 Amount Crore Crore A/c Sanctioned 179031 3249 Sanctioned 5850 5660 Disbursed 5811 5623 Disbursed 162331 2848 As on June’26 As on June’26 PM-VIDYALAXMI SCHEME Amount Amt in Rs. No. of No of Amount Sanctioned Crore A/c Applications (in Rs. Cr) Sanctioned 1246 183 43330 422 Disbursed 561 22 13 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Financial Inclusion Performance Nos in lakhs Nos in lakhs Nos in lakhs ➢ SLBC- 5 Pradhan Mantri Jeevan Jyoti Pradhan Mantri Suraksha Atal Pension Yojana (APY) Bima Yojana (PMJJBY) Bima Yojana (PMSBY) ➢ UTLBC-1 ➢ LDMO- 114 357.00 57.19 59.77 351.05 53.27 50.96 92.74 95.72 48.11 81.18 85.43 332.72 ➢ Rural Self Employment 75.54 320.97 Training Institute 300.15 (RSETI)- 79 ➢ Rural Development June'25 Sept'25 Dec'25 Mar'26 June'26 June'25 Sept'25 Dec'25 Mar'26 June'26 Centre (RDC)- 2 June'25 Sept'25 Dec'25 Mar'26 June'26 ➢ Financial Literacy Nos in lakhs Nos in Actual Amt ₹ in Crore Centre (FLC) - 163 PMJDY Accounts No. of BCs Deposits Mobilized by BCs ➢ Centre for Financial 571.84 573.46 31764 32278 32809 33314 33284 35869 36931 40450 39597 Literacy (CFL)- 342 33424 560.51 ➢ Farmer Training Centre – 550.75 12 538.93 ➢ Villages adopted for holistic development - June'25 Sept'25 Dec'25 Mar'26 June'26 June'25 Sept'25 Dec'25 Mar'26 June'26 June'25 Sept'25 Dec'25 Mar'26 June'26 307 14 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Portfolio > Rs.25 Crore Advances Mix of Benchmark rate June’25 Mar’26 June’26 Sl. Rating Grade Amt. % Share Amt. % Share Amt. % Share 1 AAA 225231 50.0% 273765 52.5% 266250 52.3% 6.22% 6.58% 6.65% 2 AA 88661 19.7% 97517 18.7% 98786 19.4% 7.82% 6.47% 5.97% 3 A 69775 15.5% 73867 14.2% 76835 15.1% 9.05% 9.55% 8.12% 4 BBB 31736 7.0% 34229 6.6% 33663 6.6% BBB & Above 415403 92.2% 479378 91.9% 475534 93.4% 23.41% 24.23% 29.93% 5 BB 6880 1.5% 7756 1.5% 8311 1.6% 6 B 910 0.2% 552 0.1% 738 0.1% 7 C 264 0.1% 148 0.0% 180 0.0% 8 D 402 0.1% 386 0.1% 361 0.1% BB & Below 8456 1.9% 8841 1.7% 9590 1.9% 53.17% 55.85% 46.98% 9 Unrated 26693 5.9% 33213 6.4% 23843 4.7% Sub-Total 450552 100.0% 521432 100.0% 508967 100.0% Guarantee/Direct 12.8% 10.7% 12.1% Claim on 66289 (of Total 62334 (of Total 70006 (of Total June'25 Mar'26 June'26 Central/State Govt Portfolio) Portfolio) Portfolio) Total Portfolio 516840 583765 578973 15 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Diversified Industry Portfolio & Energy Sector June’25 Mar’26 June’26 Energy Sector % to % to % to Sl. Industry O/s Domestic O/s Domestic O/s Domestic External Rating Standard Portfolio Advances Advances Advances 30.06.2026 : ₹ 47720 Cr 1 Infrastructure 102131 9.5% 111478 9.3% 107394 8.9% -Energy 43849 4.1% 48408 4.1% 47793 4.0% External Rating wise Portfolio -Tele-Communication 9380 0.9% 11090 0.9% 5919 0.5% 2222 -Roads & Ports 44696 4.1% 45727 3.8% 47399 3.9% 4.7% 795 1.7% -Other Infra 4206 0.4% 6253 0.5% 6283 0.5% 19154 Basic Metal & Metal 2 23169 2.1% 20442 1.7% 21420 40.1% 5403 Products 1.8% 11.3% -Iron & Steel 20209 1.9% 17680 1.5% 18728 1.6% 3 Food Processing 21709 2.0% 22507 1.9% 22233 1.8% 4 Textiles 11923 1.1% 12710 1.1% 13232 1.1% 10406 Chemical & Chemical 21.8% 5 7057 0.7% 9454 0.8% 9450 Products 0.8% 9740 20.4% 6 All Engineering 7728 0.7% 11256 0.9% 11253 0.9% 7 Construction 2214 0.2% 1681 0.1% 2276 0.2% 8 Petroleum 7709 0.7% 7764 0.7% 7318 0.6% 9 Other Industries 54320 5.0% 68189 5.7% 70599 5.9% Total 237959 22.1% 265481 22.3% 265175 22.0% 16 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore NBFC Sector External Rating Wise Portfolio – As on 30.06.2026 As on Key Sectors Housing Finance Companies PSUs & PSU backed June’25 Mar’26 June’26 NBFC 167751 209829 221717 A A AA BBB& Below 1978 Out of which, 179 2500 4 3.91% NBFC- HFC 55663 68388 72839 0.24% 4.94% 0.01% NBFC- PSUs and PSU backed 35048 47369 50609 AA 20775 NBFC- Private 75942 93087 97301 28.52% AAA NBFC- MFI 1098 985 968 AAA 46131 51881 91.15% Total NBFC 71.23% External Rating Wise Portfolio – As on 30.06.2026 AA BBBBBB && BBeellooww Private NBFCs + MFIs AAA & AA comprises 22885588 118833 of 98.63% of the total A 11..2299%% 00..0088%% portfolio 701 BBB & Below 0.72% 179 AA 0.18% 61987 27.96% AA 38711 AAA AAA 39.39% 58676 156688 59.71% 70.67% 17 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Investment Portfolio Sl. Parameters June’25 Mar’26 June’26 1 Gross Domestic Investment 505731 488441 481990 2 SLR 372728 350825 346707 2a SLR as % to Dom. Investment (2/1) 73.7% 71.8% 71.9% 3 Non SLR 133003 137617 135283 4 Held To Maturity (HTM) 359125 346526 347347 4a HTM To Gross Domestic Investment (4/1) 71.0% 71.0% 72.1% 5 Available For Sale (AFS) 117544 112688 110097 6 Fair value through profit and loss(HFT) 7128 10598 5916 7 Fair value through profit and loss (Non HFT) 16393 13310 13310 8 Subsidiaries, Joint Venture & Associates (SBJVAS) 5541 5319 5319 9 Investment by Overseas Branches 7821 8941 7299 10 Total Gross Investment (1+9) 513552 497382 489289 11 Modified Duration (AFS+HFT) 3.52 3.23 3.25 12 Net demand & time Liabilities 1492905 1573265 1619580 18 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Non SLR Investment June’25 Mar’26 June’26 Sl. Parameters O/S % Share O/S % Share O/S % Share 1 PSU Bonds 34198 25.7% 31069 22.6% 30215 22.3% 2 Corporate and Other Bonds & Debentures 18392 13.8% 16379 11.9% 15229 11.3% 3 Special Govt. Sec excl. Recap Bonds 490 0.4% 120 0.1% 120 0.1% 4 CG Recapitalisation Bond 55274 41.6% 55274 40.2% 55274 40.9% 5 Share of PSU/Corporate/Others 9481 7.1% 11589 8.4% 11767 8.7% 6 Venture Capital Fund 181 0.1% 299 0.2% 349 0.3% 7 Regional Rural Bank 1512 1.1% 1575 1.1% 1575 1.2% 8 Security Receipts 1370 1.0% 1947 1.4% 1789 1.3% 9 Subsidiaries JV 4029 3.0% 3744 2.7% 3744 2.8% 10 Other 8075 6.1% 15620 11.4% 15221 11.3% Total Non SLR Investment 133003 100.0% 137617 100.0% 135283 100.0% 19 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Balance Sheet-Liabilities & Assets Sl. Parameters 30th June’25 31st Mar’26 30th June’26 CAPITAL & LIABILITIES 1 Capital 2299 2299 2299 2 Reserves and Surplus 129668 140351 146208 3 Deposits 1589379 1711126 1724837 4 Borrowings 71261 82314 79264 5 Other Liabilities and Provisions 40709 49802 37704 Total Liabilities 1833315 1985892 1990312 ASSETS 1 Cash and Balances with RBI 71384 60856 71243 2 Balances with Banks 67565 101092 90312 3 Net Investments 509406 494112 486222 4 Net Advances 1091981 1225292 1241399 5 Fixed Assets 15512 15577 15523 6 Other Assets 77468 88964 85613 Total Assets 1833315 1985892 1990312 20 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Income Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Interest Income (2+3+4) 31964 32157 32897 740 2.3% 933 2.9% 2 Interest on Advances 21664 22488 23061 573 2.5% 1397 6.4% 3 Interest on Investments 8438 8045 8077 32 0.4% -361 -4.3% 4 Other Interest Income 1861 1624 1760 136 8.3% -101 -5.5% 5 Other Income (6+7+8+9) 5268 4162 4333 171 4.1% -935 -17.7% of which 6 Fee Based Income 2250 1956 2339 383 19.6% 89 4.0% Out of which 6.1 Processing Fees 728 293 938 645 220.2% 210 28.9% 6.2 Non Fund Based Income 192 213 220 7 3.2% 28 14.5% 6.3 Income from Insurance & MF 95 133 79 -54 -40.9% -16 -17.3% 7 Recovery in Written off Accounts 1189 1942 908 -1034 -53.3% -281 -23.7% 8 Treasury income 1816 253 1081 828 327.2% -735 -40.5% of which 8.1 Profit on Sales on Investments 1470 687 474 -213 -31.1% -996 -67.8% 8.2 Profit on Exchange Transaction 208 90 309 219 243.3% 101 48.6% 8.3 Profit/Loss on Revaluation of Investment 137 -524 298 9 Others 13 12 6 -6 -49.2% -7 -53.1% 10 Total Income (1+5) 37232 36319 37231 912 2.5% -1 - 21 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Expenses Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Total Interest Paid (2+3+4) 21386 21776 22099 323 1.5% 713 3.3% 2 Interest Paid on Deposits 20412 20386 20941 555 2.7% 529 2.6% 3 Interest Paid on Borrowings 193 593 334 -259 -43.7% 141 73.1% 4 Others Interest Paid 781 798 825 27 3.3% 44 5.6% 5 Operating Expenses (6+7) 8765 7042 7613 571 8.1% -1152 -13.1% 6 Establishment Expenses 5164 3747 4535 788 21.0% -629 -12.2% 7 Other Operating Expenses 3600 3295 3077 -218 -6.6% -523 -14.5% 8 Total Expenses (1+5) 30150 28818 29712 894 3.1% -438 -1.5% 22 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Profit & Provisions Q1 Q4 Q1 QoQ Variation YoY Variation Sl. Parameters FY26 FY26 FY27 Amt. % Amt. % 1 Net Interest Income 10578 10380 10798 418 4.0% 220 2.1% 2 Other Income 5268 4162 4333 171 4.1% -935 -17.7% 3 Operating Income (1+2) 15846 14542 15132 590 4.1% -714 -4.5% 4 Operating Expenses 8765 7042 7613 571 8.1% -1152 -13.1% 5 Operating Profit (3-4) 7081 7500 7519 19 0.3% 438 6.2% 6 Provisions other than Tax 323 424 541 117 27.6% 218 67.6% Of which provisions for Non Performing Assets 396 906 792 -114 396 7 Profit Before Tax 6758 7077 6978 -99 -1.4% 220 3.3% 8 Provision for Income Tax 5083 1852 1725 -127 -6.9% -3358 -66.1% 9 Net Profit 1675 5225 5253 28 0.5% 3578 213.6% 23 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award (Annualized) Efficiency Ratios (Quarter) Global Domestic Cost of Deposits [%] Cost of Funds [%] NIM [%] 5.33% 5.35% 5.05% 5.05% 4.99% 5.02% 4.70%4.70% 4.44%4.41% 4.36%4.36% 2.70% 2.84% 2.47% 2.61% 2.50% 2.64% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 (Q1) (Q4) (Q1) (Q1) (Q4) (Q1) (Q1) (Q4) (Q1) Yield on Advances [%] Yield on Funds [%] Yield on Investment [%] 8.14%8.28% 6.97%7.01% 7.51%7.62% 7.53% 7.70% 7.02%7.13% 6.84%6.87% 6.77%6.81% 6.55%6.62% 6.49%6.59% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 (Q1) (Q4) (Q1) (Q1) (Q4) (Q1) (Q1) (Q4) (Q1) 24 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award (Annualized) Profitability/Productivity Ratios Q1 Q4 Q1 Sl. Key Ratios FY26 FY26 FY27 1 Return on Assets [%] 0.37% 1.06% 1.04% 2 Return on Equity [%] 6.59% 18.00% 17.33% 3 Book Value per Share [₹] 105.23 114.77 119.91 4 Book Value per Share-Tangible [₹] 92.64 102.95 108.58 5 Earnings per share [₹] 1.46 4.55 4.57 6 Cost to Income Ratio [%] 55.31% 48.42% 50.31% 6a Staff Cost to Income Ratio [%] 32.59% 25.77% 29.97% 6b Other Cost to Income Ratio [%] 22.72% 22.66% 20.34% 7 Net Profit Per Employee [₹ in Lacs] 6.98 21.91 21.71 8 Net Profit Per Branch [₹ in Lacs] 65.80 205.22 203.37 Sl. Key Ratios June’25 Mar’26 June’26 1 Business Per Employee [₹ in Cr] 27.30 29.42 29.71 2 Business Per Branch [₹ in Cr] 257.39 275.63 278.28 25 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore SMA 2 Accounts ( > Rs 5.00 Crore) June’25 Mar’26 June’26 Sl. CATEGORY % of Domestic % of Domestic % of Domestic SMA2 SMA2 SMA2 Advances Advances Advances 1 Retail Loans 43 0.004% 101 0.01% 111 0.01% 2 Agriculture 372 0.03% 32 - 189 0.02% 3 MSME 755 0.07% 194 0.02% 758 0.07% 4 RAM Total 1170 0.11% 327 0.03% 1058 0.09% 5 Corporate & Others 426 0.04% 123 0.01% 337 0.03% 6 Total 1596 0.15% 450 0.04% 1395 0.12% 26 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Movement of NPA Sl. Parameters Q1 FY’26 Q4 FY’26 Q1 FY’27 1 NPA at the beginning of Year/Quarter 44082 39314 37124 2 Cash Recovery & Up-gradation (2a+2b) 1662 1690 1589 2a -Cash Recovery 1068 1003 843 2b -Up-gradation 594 687 746 3 Write Off 1633 3258 2235 4 Total Reduction (2+3) 3295 4948 3824 5 Fresh Addition (5a+5b) 1886 2758 2080 5a -Fresh slippages 1792 2674 1996 5b -Debits in existing NPA A/cs 94 84 84 6 Gross NPAs at end of the period 42673 37124 35381 7 Eligible Deductions incl. Provisions 38541 33515 31948 8 Net NPAs at end of the period (6-7) 4132 3610 3433 9 Recovery in Written Off & RI 1700 2392 1200 10 Total Recovery (During the Period) 3362 4082 2789 27 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Asset Classification June’25 Mar’26 June’26 YoY Variation Sl. Parameters O/S Share% O/S Share% O/S Share% Amt. Variation 1 Standard 1087225 96.22% 1221435 97.05% 1237752 97.22% 150527 13.8% 2 Gross NPA 42673 3.78% 37124 2.95% 35381 2.78% -7292 100 bps 2a Sub-Standard 5834 0.52% 5902 0.47% 5975 0.47% 141 5 bps 2b Doubtful 21080 1.87% 19690 1.56% 19522 1.53% -1558 34 bps 2c Loss 15759 1.39% 11532 0.92% 9883 0.78% -5876 61 bps 3 Global Advances (1+2) 1129898 100% 1258559 100% 1273132 100% 143234 12.7% 28 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore Slippages & Recoveries Sector wise Fresh Slippage (Quarter) Recovery v/s Slippages 2673 Q1 Q4 Q1 Period FY 26 FY 26 FY 27 1996 1792 Net Recovery 3356 4082 2789 1069 1106 NPA Addition (Net Slippage) 1886 2758 2080 966 825 752 Net Recovery v/s Net 463 1.8x 1.5x 1.3x 439402 342 Slippage 21 59 17 Slippage Ratio* 0.71% 0.94% 0.68% Retail Agriculture MSME Corporate Total *Annualised Q1 FY26 Q4 FY26 Q1 FY27 29 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore NPA Classification - Sector Wise June’25 Mar’26 June’26 Sl. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 262219 2692 1.03% 280779 2061 0.73% 285880 2139 0.75% 2 Agriculture 178885 19261 10.77% 199919 18130 9.07% 199582 18111 9.07% 3 MSME 169426 19161 11.31% 195027 16493 8.46% 203025 14634 7.21% Corporate, Overseas & 4 519368 1559 0.30% 582834 440 0.08% 584645 498 0.09% Others 5 Global (1+2+3+4) 1129898 42673 3.78% 1258559 37124 2.95% 1273132 35381 2.78% Corporate, Overseas Retail NPA (%) Agriculture NPA (%) MSME NPA (%) & others NPA (%) 10.77% 11.31% 1.03% 0.30% 8.46% 0.73% 0.75% 7.21% 9.07% 9.07% 0.08% 0.09% June'25 Mar'26 June'26 June'25 Mar'26 June'26 June'25 Mar'26 June'26 June'25 Mar'26 June'26 30 Asset Digitalization/ HR/Network ESG/ Highlights Business Financial Share/Capital Quality Analytics /GB/RRB Award Amt ₹ in Crore NPA Classification- Industry Wise June’25 Mar’26 June’26 Sl. Diversified Industry Portfolio O/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure 102131 1075 1.05% 111478 225 0.20% 107394 219 0.20% -Energy 43849 1000 2.28% 48408 73 0.15% 47793 73 0.15% -Tele-Communication 9380 2 0.02% 11090 2 0.01% 5919 1 0.02% -Roads & Ports 44696 17 0.04% 45727 105 0.23% 47399 103 0.22% -Other Infra 4206 57 1.35% 6253 45 0.72% 6283 42 0.66% 2 Basic Metal & Metal Products 23169 731 3.15% 20442 677 3.31% 21420 489 2.28% -Iron & Steel 20209 467 2.31% 17680 437 2.47% 18728 283 1.51% 3 Food Processing 21709 2567 11.82% 22507 1632 7.25% 22233 1649 7.41% 4 Textiles 11923 939 7.87% 12710 806 6.34% 13232 755 5.71% 5 Chemical & Chemical Products 7057 158 2.24% 9454 206 2.18% 9450 166 1.76% 6 All Engineering 7728 396 5.13% 11256 311 2.76% 11253 226 2.01% 7 Construction 2214 52 2.36% 1681 37 2.20% 2276 29 1.27% 8 Petroleum 7709 4 0.05% 7764 4 0.05% 7318 3 0.05% 9 Other Industries 54320 3984 7.34% 68189 3227 4.73% 70599 2955 4.19% Total 237959 9907 4.16% 265481 7124 2.68% 265175 6491 2.45% 31 Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Shareholding and Ratings INTERNATIONAL RATINGS Shareholding as on 30.06.2026 Baa3/P-3/ BBB-/F3/ Total No. of Shares: 1149.29 Crores Stable Stable Resident Others, Individual , 0.94% 7.00% DOMESTIC RATING FIIs, 5.93% Mutual Funds, 6.51% FIs/ PNB’s BASEL III BOND RATINGS Banks/ Govt. of India, Insurance, 70.08% Additional Tier- Tier-II Bonds 9.54% Sl. Rating Agency 1 Bonds Rating Rating 1 AA + AAA 2 AA + AAA 3 AA + AAA 4 AA + AAA 32 Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Amt ₹ in Crore Capital Adequacy Capital & CRAR CRAR % Sl. Parameters June’25 Mar’26 June’26 1 Total Capital (Tier 1+2) 149051 159897 166377 CRAR % 17.50% 17.74% 18.13% Out of Which, 17.50% 17.19% 16.77% 17.74% 18.13% 2 Tier 1 124510 136599 147083 Tier 1% 14.62% 15.15% 16.03% 2.10% 2a Common Equity 110269 122809 133285 2.59% 2.88% 2.78% CET-1 % 12.95% 13.62% 14.52% 2.64% 1.51% 2b Additional Tier 1 14241 13791 13798 1.53% 16.03% 1.67% 1.66% 1.61% 15.15% AT-1 % 1.67% 1.53% 1.51% 14.62% 14.41% 14.13% 3 Tier 2 24541 23298 19294 Tier-2 % 2.88% 2.59% 2.10% Risk Weighted Assets 14.52% 13.62% Sl. Parameters June’25 Mar’26 June’26 12.95% 12.75% 12.52% 1 Total RWA 851723 901547 917780 Out of Which, a Credit RWA 755596 806426 813403 b Market RWA 9171 8166 9278 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 c Operational RWA 86956 86956 95099 33 Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Augmenting Digital Base PNB One Activated Users PNB One BIZ Activated Users WhatsApp Banking Users (in Lakhs) (in Lakhs) (in Lakhs) (375+ features) (210+ features) (90+ features) 270 3.48 140 227 1.42 70 As on As on As on As on As on As on Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Digital Transactions UPI Transactions Share of Digital Transaction (in Crores) (in Crores) Other (Q1 FY27) Transactions 4.28% 365 357 57 Digital Transactions (Incl. ADC) 295 287 95.72% Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 34 Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Progress Under Major Digital Offerings – Digital Lending Digital Lending Performance Digital Lending Products Digital Sanctions – Q1 FY 27 ₹ 4148.99 Crores RETAIL (110474 Accounts) 1. Digi Car Loan 1. Krishi Tatkal Rin 1. Digi MSME 2. Personal Loan 2. KCC Review, Renewal & DP 2. Digi MSME Prime 3. Digi Education Loan Enhancement (upto ₹10.00 Lakh) 3. PM Vishwakarma ₹ 9333.18 Crores AGRICULTURE 4. Digi Home Loan 3. Digi Gold Loan 4. e-PM SVANidhi 2.0 (326150 Accounts) 4. Digi Self Help Group (SHG) 5. Loan against Deposits 5. GST Sahay 5. Digi Dairy KCC 6. Digi PM Surya Ghar 6. MSME Renewal 96961 6. Digital KCC (through Jansamarth 7. Digi Saarthi (Two- Wheeler Loan) Portal) ₹ 5597.03 Crores MSME 8. HL (Top-up) 7. Digi Shreshtha (Lakhapti Didi) (70285 Accounts) 9. PNB Shram Saathi* 8. Tractor Xpress 9. Griha Vatika 10. Credit Risk Guarantee Total Number of Accounts – 506909 Home Loan* Total Amount Sanctioned– Rs. 19079.20 Crore * Newly launched journeys in Q1 FY27 35 Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Progress Under Major Digital Offerings New Initiatives Undertaken Way Forward Central Bank Digital Currency (CBDC) ➢ Forex Purchase through PNB One ➢ UPI in PNB One Biz ➢ Enhancement of Nominee Services ➢ Revamping of Internet Banking Services in PNB One and Internet Banking Services ➢ Introduction of Aadhaar Face ➢ PPF Extension through PNB One ID-based Authentication in PNB ONE ➢ Download Form 131 (erst. Form 16A) through PNB One and ➢ Submission of Form 121 WhatsApp Banking through WhatsApp Banking ➢ Expanded WhatsApp Banking ➢ Account Debit Freeze Facility language support to 13 languages through WhatsApp Banking with the addition of Odia and ➢ Cross-Border Payments using Gujarati CBDC Payment Platform ➢ Biometric Authentication ➢ Digital Lending – My Property (Fingerprint/ Face ID) for Loan, Digi Kisan Vahan, Vehicle Transactions in BHIM PNB Hypothecation Termination No. of Users No. of Transactions Service (RBIH-ULI-MoRTH) 17.22 Lakh 153.06 Lakh 36 Share/ Digitalization HR/Network ESG/ Highlights Business Financial Asset Quality Capital /Analytics /GB/RRB Award Catalyzing Decisions : The Analytical Edge ‘Project Sentinel’-Tracing the Mule Network Thread Analysing complex peer-to-peer fund flows to expose hidden mule topologies and pre-empt coordinated financial fraud. Business Augmentation (Amt ₹ in Crore) As on June’26 Analytics Platform Upgrade Upgraded our core analytics ecosystem to unlock faster, more secure foundation for enterprise model deployment. 13470 24342 Expanding Our Predictive Arsenal 2131 Integrated propensity models into our analytical suite to anticipate customer behaviour, optimizing cross-sell strategies and targeted product offerings. Total - ₹ 39943 Live Insights: Real-Time Business Intelligence Retail Agri MSME Launched near real-time dashboards on the Business 360+ Portal to monitor key business metrics continuously. 37 Share/ Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Capital Analytics /GB/RRB Award Human Resource Initiatives Strategic Partnerships with New HRMS Mobile APP – Industry and Academic Leaders PNB SAKSHAM The Bank has partnered with 29 industry Revamped HRMS Mobile application “PNB experts as Professors of Practice and 4 Saksham” has been developed and rolled out premier institutions - ISB Hyderabad, MDI on both Android and iOS platforms. The Gurugram, IPE Hyderabad, and U-Next application integrated all HRMS self-service Learning by Manipal Academy. This initiative menus, attendance marking and staff welfare secures specialized domain expertise to drive services, thereby providing a unified, efficient, advanced skill development, research, and and user-friendly platform to employees. future learning programs. AR/VR Training AI Enablement Program with Integration Microsoft The Bank has launched AR/VR modules The Bank has entered into a strategic within physical training to modernize partnership with Microsoft to deliver structured capability building through immersive, AI training and certification for all officers. This experiential learning. Currently live in eight initiative will build foundational awareness, languages, this technology-driven initiative confidence, and practical AI skills through accelerates workforce readiness and simple, high-utility learning pathways. modernizes institutional training. 38 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award As on 30.06.2026 Distribution Network INTERNATIONAL PRESENCE Branches ATM BCs Branches at: Dubai and Gift City, Gandhinagar (Domestic) 10605 33284 10359 Subsidiaries: London (UK) and Bhutan Joint Venture: N epal Representative Offices: Myanmar and Bangladesh Total Touch Points 119 8 54,248 Delhi : 317 354 LOAN PROCESSING OFFICES 913 39 301 ▪ Large Corporate Branches (LCB) – 15 (including 2 ELCBs) 719 12 ▪ Mid Corporate Branch (MCB) – 11 9 ▪ Mid Corporate Centres (MCC) – 116 739 302 5 1680 ▪ Corporate Banking Branches (CBB) – 16 710 26 24 ▪ PNB Loan Points (PLP) – 149 70 317 392 211 1146 9 ▪ Centralized Co-lending & Pool Centres (C-CPC) – 3 185 GEOGRAPHY WISE BRANCHES POPULATION GROUP WISE 364 BRANCHES 421 6.9% 8.6% 24.9% 150 17.0% 38.7% 31.5% 17 152 23.8% 19.7% 161 4.4% 6 24.6% States having • Andaman & Nicobar (4) Branches >100 268 • Dadra & Nagar Haveli Central Eastern North Eastern 202 and Daman & Diu (7) Northern Southern Western Rural Semi-Urban Urban Metro 39 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Group Structure of the Bank PNB Subsidiaries Associates & Joint Venture Domestic Foreign Domestic Foreign RRB 35% stake in each one:- 1. PNB Cards & Services 1. PNBIL, London - 1. PNB Housing Finance Ltd – Everest Bank, Ltd. – 100% 100% 28.03% Nepal- 1.BiharGraminBank 2. PNBISL -100% 2.DRUK PNB Bank 2. PNB MetLife India Insurance 20.02% 2. Haryana Gramin Bank Ltd, Bhutan - 51% 3. PNB Gilts Ltd - 74.07% Co. Ltd - 30% 3. Himachal Pradesh Gramin Bank 4. Punjab Gramin Bank 5.TripuraGraminBank 6. Manipur Rural Bank 7. Assam Gramin Bank 8. West Bengal Gramin Bank 40 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Amt ₹ in Crore Performance of Subsidiaries, Associates, Joint Venture & RRB’s Performance of RRBs Results Total Total Gross Net Name of the entity (3/6/9/12 M) Income Expenses Profit Profit June’25 June’26 Consolidated (3 M) (3 M) YoY% Position (Audited) (Unaudited) PNB Housing Finance Ltd (PNBHFL) Mar’26 (12M) 8845 6051 2794 2090 Business 248159 271319 9.3% PNB Investment Services Ltd. Mar’26 (12M) 15 9 6 5 (PNBISL) Advances 93777 105061 12.0% PNB Cards & Services Limited June’26 (3M) 30 26 3 2 (PNBCSL) Deposits 154381 166258 7.7% PNB Gilts Ltd. June’26 (3M) 455 347 108 81 Capital Adequacy 13.59% 14.58% +99 bps Ratio PNB MetLife India Insurance Co. Ltd Mar’26 (12M) 15917 15597 320 320 Total Income 4731 5313 12.30% PNB (International) Limited Mar’25 (12M) 690 531 158 6 (FY : 1st April to 31st March) Operating Druk PNB Bank Ltd. (Bhutan) 1233 1365 10.7% Dec’25 (12M) 244 185 59 15 Profit (FY : 1st January to 31st December) Everest Bank Ltd. (Nepal) July’25 (12M) 1462 1002 460 302 Net profit 487 866 77.7% (FY : 16th July to 15th July) 41 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award ESG Highlights Environmental Social Governance ✓ To encourage sustainable housing, the Bank ✓ “DIGI PNB SHRAM SAATHI” – Consumption ✓ ISO 9001:2015 certification obtained by key has introduced the PNB Harit Niwas Loan to wage earners enrolled with various HO divisions, showcasing robust governance scheme, with preferential interest rates and Government Departments across operational, financial, and digital full processing fee waivers for home buyers. workflows. ✓ Empowering Rural India: 81 specialized ✓ All new Bank buildings being designed and training centers (79 RSETIs & 2 RDC) driving ✓ Whistle Blower policy, Customers’ Right executed as per Green Building standards, skill upgradation and self-employment. policy, Grievance Redressal policy, Equal while existing owned properties are opportunity Policy etc., are in place, ✓ 25.44% of women in workforce showcasing progressively being certified. strengthening stakeholder engagement. operational strength of an inclusive and ✓ During FY2025-26, Green deposits of ₹610 Cr empowered workforce. ✓ PNB Quantum Innovation Hub set up to raised and deployed in eligible Green undertake strategic initiatives in the areas of ✓ 2837 PwD/Divyangjan Employees, activities, thereby avoiding 1,60,359 mt Quantum Computing, Quantum Analytics, demonstrating sustained commitment to equivalent of CO2 emissions. equal workplace opportunity. etc,. ✓ The Bank secured joint second position in the ✓ SHG Credit Linkage: ₹14379 Cr o/s as on ✓ Verified Mark Certificate (VMC) - Bank’s verified logo in customer inboxes across Indian banking climate preparedness 30.06.2026, across 450834 Self-Help Groups supported email providers, to strengthen trust rankings, as per the report "Small Steps for a for social upliftment. and reduce phishing risks. Big Problem" published by Climate Risk Horizons. 42 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award ESG – Green Initiatives Expanding the clean energy Shortlisted for the RBI footprint, the bank completed Regulatory Sandbox under the Green Tariff adoption at 126 Sustainable Financing theme "Sustainable Finance locations, with 173 more (Sanctions During Q1 FY2027) and Climate Risk Mitigation." underway across three states. Renewable energy Launched ESG Corner, a PNB Zaggle co-branded sector- ₹8362 Cr dedicated webpage on Bank biodegradable credit card website, for centralized ESG launched, reinforcing banks’ disclosures & updates. green commitments. PNB Solar rooftop scheme-₹919 Cr Target to achieve Net Zero Bank won the 2026 Viksit Bharat (Scope 1, 2, 3 emissions) by Ambassador for Change Award 2060, underscoring our long- in Climate Finance for its global term dedication to leadership in sustainable PNB Green Car scheme- ₹792 Cr environmental sustainability. business. Solar Power Plant capacity 3735 KWp installed in Bank’s 1986 KWp is under execution at owned buildings, 294 branches HO Buildings at Dwarka & and ATMs Gurgaon and other offices 43 Digitalization/ HR/Network ESG/ Highlights Business Financial Asset Quality Share/Capital Analytics /GB/RRB Award Rewards & Accolades Golden Peacock National Training APY Annual Awards: Excellence Achiever Platinum for Treasury Transformation at the Award for the year 2026 for FY 2025-26 targets, awarded by PFRDA Infosys Finacle Innovation Awards 2026 Winner in the Climate Finance category for Platinum for Product Innovation at BAANKNET Highest Value Realization Award the Viksit Bharat “Ambassador for Change” the Infosys Finacle Innovation Awards 2026 at a function organized by PSB Alliance Awards 2026 for Krishi Tatkal Rinn 44 Guidance for FY’27 vs Actuals for June’26 Parameters Guidance for FY’27 June’26 (Actuals) Credit Growth % (YoY) 12%-13% 12.7% Deposit Growth % (YoY) 9%-10% 8.5% CASA Share % 38% 36.7% Operating Profit Gr % (YOY) 9%-10% 6.2% Net Interest Income Gr % (YOY) 7% 2.1% NIM % 2.60%-2.70% 2.50% Gross NPA % < 2.50% 2.78% Net NPA % < 0.3% 0.28% PCR % (incl. TWO) More than 96% 97.23% Credit Cost % Below 0.4% 0.25% Total Recovery (Amount) > Rs. 13,000 Crores Rs. 2789 Crores RoA % Above 1% 1.04% Slippage Ratio % (Annualized) Below 0.9% 0.68% 45 Disclaimer “This representation contains certain forward-looking statements apart from historical information. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. Punjab National Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the present date.” 46 5,32,000 34,84,289 2,35,760 53,500 4,70,546 Thank You 11,94,090