PSB

Ref No: PSB/HO/Shares Cell / 35 /2026-27 July 18, 2026 To, BSE Limited, National Stock Exchange of India Ltd., Department of Corporate Services, Exchange Plaza, C – 1, Block – G, 25th floor, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Bandra (East), Dalal Street, Fort, Mumbai – 400 051. Mumbai – 400 001. SYMBOL: PSB SERIES: EQ SCRIP ID : PSB SCRIP CODE : 533295 Dear Sir, Reg: Investor Presentation – Reviewed Unaudited Financial Results for the Quarter ended June 30, 2026 We are enclosing Investor Presentation on the Reviewed Unaudited Financial Results for the Quarter ended June 30, 2026. The same can also be viewed on the website of the Bank i.e. https://punjabandsind.bank.in/ This is for your information & records. Yours faithfully Saket Mehrotra Company Secretary Head Office: 21, Rajendra Place, New Delhi-110008 Corporate Office: NBCC Office Complex, Block 3, East Kidwai Nagar, New Delhi – 110023 Email: complianceofficer@psb.bank.in Table of Contents Section 1 Key Highlights & Business Performance 3-13 Section 2 Key Financial Ratios 14-16 Section 3 Financial Performance & Balance Sheet 17-21 Section 4 Asset Quality 22-26 Section 5 Treasury Operations 27 Section 6 Capital Adequacy 28 Section 7 Shareholding Pattern & Credit Rating 29 Section 8 Geographical Presence 30 Section 9 Priority Sector Lending, Financial Inclusion & ESG Initiatives 31-35 Section 10 Digital Journey & Digital Products 36-41 Section 11 Other Initiatives, Award & Accolades 42-44 Section 12 Guidance 45 2 1 Strong Business Growth Continues Retail Term Total Business Total Deposits Gross Advances CASA Deposits Deposits ₹ 266420 Crore ₹ 147130 Crore ₹ 119290 Crore ₹ 44225 Crore ₹ 65764 Crore 15.27% 12.16% 19.35% 10.20% 14.94% (YoY) (YoY) (YoY) (YoY) (YoY) 147130 119290 44225 266420 65764 40133 231132 131182 99950 57214 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 3 1 Consistency in Operational Income Net Interest Non Interest Operating Profit Net Profit Core Fee Income Income Income ₹ 545 Crore ₹ 331 Crore ₹ 164 Crore ₹ 1038 Crore ₹332 Crore 0.93% 23.05% 15.33% 13.89% 29.21% (YoY) (YoY) (YoY) (YoY) (YoY) 545 331 1038 164 469 269 332 540 900 144 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 4 1 Asset Quality – Significant Improvement PCR PCR (Without Slippage Gross NPA (%) Net NPA (%) Credit Cost (%) (With TWO) (%) TWO) (%) Ratio (%) 2.21% 0.65% 0.11% 92.33% 70.96% 0.18% 92.33 0.91 73.57 3.34 0.21 0.11 0.65 2.21 91.77 70.96 0.18 0.02 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 5 Other Key Performance Highlights – Driving Financial & Operational 1 Improvement Strong Capital RAM Advances Segmental Credit Cost to Income Return on Adequacy ₹ 71596 Crore Growth (YoY) Ratio reduced Assets (%) CRAR (%) from 60.55% to 0.73% 32.66% 17.61% (YoY) 60.21% (YoY) Retail – 36.44% RAM (%) to Total CET-I (Including Advance – 60.02% CCCB) (%) – 16.56% Agri.- 25.85% MSME- 32.71% 60.55 0.73 71596 17.90 53970 0.67 Corporate - 17.61 60.21 3.73% Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 6 1 Overall Business Mix – Consistent and Stable Growth Total Business (₹ Cr) Total Deposits (₹ Cr) Total Advances (₹ Cr) 1,19,290 2,66,420 1,17,823 2,63,652 1,47,130 1,45,829 2,31,132 1,31,182 99,950 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 YoY Growth (Jun’25 vs Jun’26) –15.27% YoY Growth (Jun’25 vs Jun’26) –12.16% YoY Growth (Jun’25 vs Jun’26) –19.35% In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ (%) YoY (%) Total Business 231132 263652 266420 1.05 15.27 Total Deposits 131182 145829 147130 0.89 12.16 Gross Advances 99950 117823 119290 1.25 19.35 CD Ratio (%) 76.19 80.80 81.08 28 bps 489 bps 7 1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 1,09,923 1,09,989 44,876 44,225 65,764 65,047 40,133 57,214 97,347 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ (%) YoY (%) Current Deposits 4707 6577 5915 (10.07) 25.66 Savings Deposits 35426 38299 38310 0.03 8.14 CASA Deposits 40133 44876 44225 (1.45) 10.20 CASA (%) 30.59 30.77 30.06 (71 bps) (53 bps) Term Deposits 91049 100953 102905 1.93 13.02 • Out of above Retail Term Deposits 57214 65047 65764 1.10 14.94 CASA + Retail Term Deposits 97347 109923 109989 0.06 12.99 Total Deposits 131182 145829 147130 0.89 12.16 8 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM 1 Segments on yearly basis Home Loan (₹ Cr) Advances Mix (₹ Cr) 13,469 13,471 Period Ended Variation Particulars 12,696 (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ (%) YoY (%) Jun'25 Mar'26 Jun'26 Advances 99950 117823 119290 1.25 19.35 Vehicle Loan (₹ Cr) Retail 22573 27498 30799 12.00 36.44 4,008 4,058 3,321 Agri 12681 16610 15959 (3.92) 25.85 MSME 18716 25169 24838 (1.32) 32.71 Jun'25 Mar'26 Jun'26 Personal Loan (₹ Cr) Total RAM 53970 69276 71596 3.35 32.66 Corporate 45980 48547 47694 (1.76) 3.73 1,080 1,105 820 RAM (%) 54.00 58.80 60.02 9 Jun'25 Mar'26 Jun'26 1 Segmented RAM Portfolio Retail Portfolio - ₹ 30799 Cr Agri Portfolio - ₹ 15959 Cr MSME Portfolio - ₹ 24838 Cr 25.82 % 13.38 % 20.82 % of Advances of Advances of Advances In ₹ Cr In ₹ Cr In ₹ Cr Period Ended % Period Ended % Period Ended % Particulars Particulars Particulars Share Share Share (in ₹ Cr) Jun’25 Mar’26 Jun’26 Jun-26 (in ₹ Cr) Jun’25 Mar’26 Jun’26 Jun-26 (in ₹ Cr) Jun’25 Mar’26 Jun’26 Jun-26 Home Loans 12696 13469 13471 43.74% Farm Credit 7997 8665 7968 49.93% General MSME 3454 4139 4193 16.88% TReDS 1691 3100 2689 10.83% Vehicle Loans 3321 4008 4058 13.18% Agri Infra 197 516 479 3.00% GST EASE 1926 2730 2752 11.08% Personal Loan 820 1080 1105 3.59% Rice Sheller 277 430 412 2.58% MSME Premier 652 1940 2195 8.84% Gold Loans 1404 4463 7863 25.53% Agri Gold 724 2264 1997 12.51% Vyapar 1283 1522 1496 6.02% Others 4332 4478 4302 13.97% Others 3486 4735 5103 31.98% Other MSME 9710 11738 11513 46.35% TotalRetail 22573 27498 30799 TotalAgri 12681 16610 15959 TotalMSME 18716 25169 24838 Retail Agriculture MSME 16610 15959 25169 24838 30799 27498 12681 18716 22573 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 10 1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Jun'26 Mar'26 Jun'26 % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Advances Advances Advances Infrastructure 14068 14.08 13999 11.88 13782 11.55 (Out of Which) Energy 6046 6.05 6765 5.74 6428 5.39 Telecommunication 167 0.17 168 0.14 168 0.14 Roads, Ports 3254 3.26 3608 3.06 3636 3.05 Other Infra 4601 4.60 3457 2.93 3550 2.98 Iron & Steel 3487 3.49 3936 3.34 3824 3.21 Textile 1147 1.15 1303 1.11 1267 1.06 NBFC 14314 14.32 17664 14.99 17842 14.96 (Out of Which) HFC 1359 1.36 1224 1.04 1172 0.98 PSU & PSU backed NBFC 3671 3.67 4039 3.43 3952 3.31 Private NBFC 9284 9.29 12400 10.52 12717 10.66 11 1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Jun'25 Mar’26 Jun’26 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total AAA rated 6485 45.35 7861 44.53 8598 48.09 AA rated 7235 50.59 8278 46.89 7967 44.56 A rated 536 3.75 1470 8.33 1270 7.11 Total A & above 14256 99.69 17609 99.75 17835 99.76 BBB Rated 2 0.01 - - - - BB & Below 43 0.30 45 0.25 44 0.24 Total 14301 100 17653 100 17879 100 12 1 Credit Profile Credit – External Rating Wise (Above Rs. 5 Cr.) In ₹ Cr Quarter Ended Jun'25 Mar'26 Jun'26 Particulars (in ₹ Cr) % % % Amount Amount Amount to Total to Total to Total AAA rated 9223 16.27 12188 18.05 14787 21.63 AA rated 15641 27.59 18064 26.75 17488 25.59 A rated 8113 14.31 9802 14.52 9241 13.52 BBB rated 3449 6.08 7073 10.48 4846 7.09 Total of BBB & above 36426 64.25 47127 69.80 46362 67.83 BB & Below 1521 2.68 1593 2.36 1537 2.25 Total Rated 37947 66.93 48720 72.16 47899 70.08 Govt. Guaranteed 14027 24.75 12925 19.14 10171 14.88 Other Unrated 4718 8.32 5873 8.70 10279 15.04 Total 56692 100 67518 100 68350 100 13 2 Key Financials Operating Profit (₹ Cr) Net Profit (₹ Cr) 816* 422 336 331 313 594 295 540 542 545 282 269 484 505 240 458 182 189 336 317 153 257 260 277 139 114 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 * Including one-off item of Rs. 400 Crore Net Interest Income(₹ Cr) Core Fee Income (₹ Cr) 1122* 228 1038 939 950 986 975 199 850 873 900 178 177 187 739 164 738 145 144 675 689 131 138 122 115 107 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 Jun'23 Sep'23 Dec'23 Mar'24 Jun'24 Sep'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 Jun'26 * Including one-off item of Rs. 255 Crore 14 2 Key Financial Ratios Yield on Advances (In %) Yield on Investments (In %) Yield on Funds (In %) 6.80 6.80 7.34 8.62 7.24 8.47 7.14 8.39 7.09 6.66 6.66 8.15 6.93 8.05 6.60 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Cost of Deposits (In %) Cost of Funds (In %) Net Interest Margin (%) 5.66 5.77 2.60 5.74 2.59 5.62 5.47 5.58 2.53 2.52 5.37 5.47 5.34 5.44 2.49 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 15 2 Key Financial Ratios Cost to Income Ratio (In %) Return on Asset (In %) Return on Equity (In %) 61.87 0.96 14.29 61.32 0.72 0.79 0.73 10.41 11.71 10.85 0.67 9.67 60.55 60.21 60.21 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Book Value Per Share Capital Adequacy Ratio (In %) Business per Branch (₹ Cr) 17.90 158.32 157.62 17.62 17.61 17.42 152.60 16.83 17.19 148.77 16.44 16.83 15.95 15.95 142.99 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 16 3 Operating & Net Profit In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest Income 2910 3030 3213 6.04 10.41 Interest Expenses 2010 2055 2175 5.84 8.21 Net Interest Income 900 975 1038 6.46 15.33 Non Interest Income 469 427 332 (22.25) (29.21) Operating Expenses 829 860 825 (4.07) (0.48) Operating Profit 540 542 545 0.55 0.93 Provisions other than Tax 217 (73) 94 - (56.68) Provision for Tax 54 193 120 (37.82) 122.22 Net Profit 269 422 331 (21.56) 23.05 17 3 Total Income In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest on Advances 2056 2178 2349 7.85 14.25 Interest on Investments 818 827 847 2.42 3.55 Other Interest Income 36 25 17 (32.00) (52.78) Total Interest Income (a) 2910 3030 3213 6.04 10.41 Core Fee Income 144 228 164 (28.07) 13.89 Profit on Sale of Investment 208 41 10 (75.61) (95.19) Profit/(Loss) on Revaluation of Investment 2 (85) 70 182.35 - Forex Income 6 5 8 60.00 33.33 Recovery in written off A/Cs 109 238 80 (66.39) (26.61) Total Non-Interest Income (b) 469 427 332 (22.25) (29.21) Total Income (a+b) 3379 3457 3545 2.55 4.91 18 3 Total Expenses In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Interest on Deposits 1787 1840 1943 5.60 8.73 Interest on Others 223 215 232 7.91 4.04 Total Interest Expenses (a) 2010 2055 2175 5.84 8.21 Establishment Expenses 524 496 495 (0.20) (5.53) Other Operating Expenses 305 364 330 (9.34) 8.20 Operating Expenses (b) 829 860 825 (4.07) (0.48) Total Expenses (a+b) 2839 2915 3000 2.92 5.67 19 3 Other Operating Expenses In ₹ Cr Quarter Variation Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 QoQ% YoY% Rent, Taxes & Lighting 36 41 42 2.44 16.67 Printing & Stationery 3 3 3 - - Advertisement & Publicity 2 7 3 (57.14) 50.00 Depreciation on Fixed Assets 37 43 48 11.63 29.73 Postage, Telegram, Telephone etc 19 12 25 108.33 31.58 Law Charges 4 6 5 (16.67) 25.00 Repairs & Maintenance 9 21 12 (42.86) 33.33 Other Expenditure 195 231 192 (16.88) (1.54) Total Other Operating Exp. 305 364 330 (9.34) 8.20 20 3 Balance Sheet In ₹ Cr As on Liabilities (in ₹ Cr) Jun’25 Mar’26 Jun’26 Capital 7096 7096 7096 Reserve & Surplus 6562 7037 7538 Deposits 131182 145829 147130 Borrowings 12456 16352 16881 Other Liabilities & Provision 4232 2957 3056 Total 161528 179271 181701 As on Assets (in ₹ Cr) Jun’25 Mar’26 Jun’26 Cash & Balance with RBI 6779 6230 6065 Balance with Banks & Money at call 108 70 181 Investments (Net) 48255 49388 50226 Advances (Net) 97622 115912 117419 Fixed Assets 1756 1862 1960 Other Assets 7008 5809 5850 Total 161528 179271 181701 21 4 Asset Quality In ₹ Cr Quarter S. No. Particulars (in ₹ Cr) Jun’25 Mar’26 Jun’26 1 Gross NPA Opening Balance 3370 2871 2831 2 Cash recoveries 147 191 98 3 Out of Above Cash recovery Income Booked 31 36 21 4 Up gradations 93 59 153 5 Technical Write off 0 158 162 6 Rebate 26 32 18 7 Total Net Reduction 235 404 410 8 Fresh Slippage 203 355 207 9 Debit in existing NPA accounts 1 9 9 10 GROSS NPA 3339 2831 2637 11 GROSS NPA (%) 3.34 2.40 2.21 12 NET NPA 883 919 766 13 NET NPA (%) 0.91 0.79 0.65 14 Recovery in T.W.O. A/Cs 110 273 115 15 Total Recovery & Upgradation 350 523 366 22 4 Structured Interventions to Improve Collection Efficiency Collection Efficiency Dedicated on-ground team for collections Strengthening Follow-Up Mechanisms through 67% March 2022 Automated reminders (SMS & calls) NACH registration for digital loans, Regular training of collection team for negotiations & Compliance Introduction of measurable KRAs for recovery officers ensuring dedicated responsibility 95% June 2026 Ongoing campaign to match customer’s EMI date with cashflow date 23 4 Asset Quality In ₹ Cr Sector Wise NPA (₹ Cr) Quarter Ended Fresh Slippages(Qtr) (₹ Cr) Jun’25 Mar'26 Jun’26 Particulars (₹ Cr) Ratio Ratio Ratio NNPA GNPA GNPA GNPA Retail (₹ Cr) Agri (₹ Cr) (%) (%) (%) (%) Retail 404 1.79 305 1.11 293 0.95 0.39 57 Agri 1216 9.59 1230 7.41 1203 7.54 2.35 47 55 MSME 1347 7.20 1080 4.29 960 3.87 1.63 39 Corporate 372 0.81 216 0.45 180 0.38 - Total 3339 3.34 2831 2.40 2637 2.21 0.65 Jun'25 Jun'26 Jun'25 Jun'26 Asset Classification (₹ Cr) Jun-25 Jun-26 MSME (₹ Cr) Doubtful Doubtful Loss 2270 Loss 1906 323 Substandard 71 Substandard 117 746 660 95 Standard Standard 96611 116653 Jun'25 Jun'26 Loss Doubtful Substandard Standard Loss Doubtful Substandard Standard 24 4 Asset Quality Gross NPA (In %) Provision Coverage Ratio with TWO (In %) 6.00 Gross NPA (₹ Cr) Gross NPA (%) 10,000 5.00 4.72 8,000 4.21 4.00 3.83 92.23 92.33 3.38 3.34 6,000 91.38 91.77 91.88 2.92 90.91 3.00 4,145 3,835 3,676 2.60 2.40 2.21 89.53 3,370 3,339 4,000 88.56 3,082 88.08 2.00 2,871 2,831 2,637 2,000 1.00 0.00 0 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Net NPA (In %) Provision Coverage Ratio without TWO (In %) 2.50 Net NPA (₹ Cr) Net NPA (%) 5,000 2.00 4,000 73.57 1.59 72.19 72.29 72.28 1.46 1.50 3,000 70.96 1.25 68.20 1.00 0.96 0.91 0.83 0.79 2,000 67.42 66.26 67.53 1,350 1,294 0.74 0.65 1,169 937 883 854 796 919 0.50 766 1,000 0.00 0 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'24 Sep'24 Dec'24 Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 25 4 Asset Quality Slippage Ratio (In %) Credit Cost (In %) 0.33 0.21 0.17 0.16 0.18 0.11 0.02 0.02 0.05 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 -0.03 Fresh Slippage (₹ Cr) SMA1 and SMA2 (₹ Cr) (above Rs. 5 Crore) 355 572 558 515 203 207 164 168 186 140 96 Jun'25 Sep'25 Dec'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 SMA 1 SMA 2 26 5 Treasury Operations In ₹ Cr % to Total Particulars Jun’25 Mar’26 Jun’26 (Jun’26) GROSS INVESTMENTS 49036 50127 50866 SLR INVESTMENTS 34214 34915 35700 70.18 (i) HFT 3642 2651 2612 5.13 (ii) AFS 8559 8786 9091 17.87 (iii) HTM 22013 23478 23997 47.18 NON-SLR INVESTMENTS (i) PSU Bonds 3175 3463 3579 7.04 (ii) GOI RECAP Bonds 7825 8089 8205 16.13 (iii) Corporate Debentures 2319 2189 2226 4.38 (iv) CDs 192 198 49 0.10 (v) CPs 217 173 99 0.19 (vi) Shares of PSUs /Corporates & Others 557 559 623 1.22 (viii) Venture CF 137 141 136 0.27 (ix) Securitized Receipt 400 400 249 0.49 Total of Non-SLR Investments (Excluding RIDF) 14822 15212 15166 29.82 Category Wise Classification Particulars Jun’25 Mar’26 Jun’26 • Held to Maturity (HTM) 30544 32162 32773 • AFS + FVTPL(Including HFT) 18491 17965 18093 27 6 Capital Adequacy In ₹ Cr Period Ended Regulatory Requirement Jun'25 Mar'26 Jun'26 Particulars (%) Amount % Amount % Amount % CET I (Including CCB) 8.00 11838 16.02 13002 15.92 13541 16.56 AT - 1 Tier I (Including CCB) 9.50 11838 16.02 13002 15.92 13541 16.56 Tier II 1391 1.88 1220 1.49 862 1.05 Capital Adequacy 11.50 13229 17.90 14222 17.42 14403 17.61 Risk Weighted Assets 73902 81653 81777 28 7 Shareholding Pattern & Credit Rating Shareholding Pattern As on Others LIC Particulars 4.82% 1.33% Jun’25 Mar’26 Jun’26 Share Capital (Rs. In Cr.) 7095.59 7095.59 7095.59 Govt. of No. of Shares (Rs. In Cr.) 709.56 709.56 709.56 India 93.85% Net Worth (Rs. In Cr.) 11315 11945 12500 Govt. of India LIC Others Book Value Per Share 15.95 16.83 17.62 Credit Rating of Infra Bonds (In %) Ratings AA (Stable) As on Particulars AA (Stable) Jun’25 Mar’26 Jun’26 Credit Rating of Tier II Bonds Govt. of India 93.85 93.85 93.85 Ratings AA (Stable) LIC 1.33 1.33 1.33 AA (Stable) Others 4.82 4.82 4.82 AA (Stable) 29 8 Geographical Presence Region Wise Classification 1679 Northern 964 82 Branches 89 39 122 1188 ATMs 964 383 North 3147 Eastern BCs 39 40 Eastern Western Central 410 89 383 122 Northern Central Eastern Districts Covered North Eastern Western Southern Region wise Branches as on 30.06.2026 Semi Grand Region Name Metro Rural Urban Urban Total Central 68 123 78 114 383 Southern Eastern 28 19 26 49 122 82 North-Eastern - 11 11 17 39 Northern 166 431 207 160 964 Southern 30 4 4 44 82 Western 38 3 15 33 89 Grand Total 330 591 341 417 1679 3300 9 Priority Sector Lending Mandated S. No. Particulars Jun’26 Targets 1 Priority Sector % to ANBC 40.00% 46.72% 2 Agriculture - PS % to ANBC 18.00% 18.15% 3 Small and Marginal Farmers (SMF) % to ANBC 10.00% 10.23% 4 Weaker Section % to ANBC 12.00% 12.05% 5 Micro Enterprises (PS) % to ANBC 7.50% 13.09% 6 Non Corporate Farmer % to ANBC 14.00% 12.17% 31 9 Financial Inclusion PMJDY Accounts Opened Total No. of Accounts under Atal Pension Yojna (₹ Lacs) (₹ Lacs) MUDRA Scheme (in Nos) 29.75 9.07 1,66,363 7.43 1,23,404 26.97 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Pradhan MantriJeevan Jyoti Pradhan MantriSuraksha Bima Total amount of Balance O/s in BimaYojna (₹ Lacs) Yojna (₹ Lacs) Mudra Loan Accounts (₹ Lacs) 14.77 2,95,139 11.39 44.65 2,21,556 37.06 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 32 9 ESG Initiatives • Climate Risk &Green Deposit Policy • Organized 09 training batches and • Well defined Board level Committee forSustainability. trained 272trainees in different RSETIs & Policies are in place for better duringQ1(2026-27). ControlandGovernance. • Mobilized funds under Green Earth • StrongVigilanceMechanism. Deposit Scheme and financed ₹ • Whistle blower policy in place to 411.79Cr in renewable energysector. • Organized 322 camps by FLCs and enhancetransparency. • Introduced environment friendly imparted financial awareness to 4144 • Board level Committee to Monitor finance named as PSB GO-GREEN participantsduringQ1(2026-27). Recovery. FinancingScheme. • Strong Cyber security & fraud risk • ₹ 266.57 Cr sanctioned under PSB • Unbanked 86063 person accessible to management measures in place for e-Vahan forelectricvehicles. banking services under PMJDY during safeguardingdigital transactions.. • Installed rooftop solar power system Q1(2026-27). • Well defined Business Continuity in premises and emphasized the Policy in place for smooth Business usage ofLED light. • Financed 68 New SHGs with amount functions in unexpected of Rs. 2.99 crores during Q1 (2026- circumstances. 27). • An approved Code of Ethics policy in place. 33 9 ESG Initiatives – Green Branch in Cochin 34 P&SB – Indian School of Business Partnership: Transforming- Lives, 9 Building Futures 35 10 New Features & Security getting Continuous Upgradation Security Features New Features in Digital Loan Journeys Acquisition Experience Acquisition of PSB UniC PSB UniC  Digital Deposit Journey 210+ 1 Transaction limits 1 E-Overdraft & E-Loan 28L+ against Bank Deposit(Online Services in 2 2-factor authentication and Manual) Mobile App Downloads for PSB UniC App In time password expiry 2 OPEN/CLOSE online FDs for 3 4.4/5 NRI customer Number of TDs-60355 4 Encryption of sensitive Amount – 1451 Crore 3 Simplified IMPS Play Store customer data Rating 4 Merchant Onboarding 5 SSL & WAF through portal implementation 17% 19% 5 ‘Announcement’ feature for 19% 11% 6 I4C Integration in UPI Retail and Corporate 21% 22% Customers on Growth in Transactions customers UniC out Digital Growth in Growth in of Eligible Transactions UniC QR Growth in Growth in UPI 6 UPI Circle (Issuer) Customers Registrations Merchants UPI Users Transactions June-2025toJune-2026Comparison 36 10 Digital Journey DIGITAL UPI PSB UNIC UPI UPI MERCHANTS TRANSAC- TRANSAC- REGISTRA- USERS QR ON BOARD- TIONS* TIONS # TIONS (IN LAKHS) (IN NO.) ED (No. in Cr.) (IN CR.) (IN LAKHS) (IN NO.) June 15.93 22.30 9.77 26.88 193073 195323 25 June 19.02 27.10 11.62 32.51 215074 218009 26 Growth 19.40% 21.52% 18.94% 20.94% 11.40% 11.61% (YoY) * Debit Transactions # Debit & Credit Transactions Digital Channels account for 95% of the Bank’s Total Transactions. 37 10 Digital Initiatives – Payment Gateway 38 10 Digital Initiative – End to End Digital PAN Application through Bank Website 39 Digital Initiatives – P&SB DIGI Gold Loan & Digital Loan against Bank 10 Deposit 40 10 Digital Initiatives – Central Bank Digital Currency CBDC Connect 41 11 Awards and Accolades Secretary DFS Shri M Nagaraju, IAS presented APY Annual Award of Excellence Achiever for outstanding Health & Wellbeing Physiotherapists, medical consultants, psychologist support Performance under Atal Pension Yojana Wellness initiatives to Punjab & Sind Bank at glittering function held by PFRDA. Shri Swarup Kumar Saha, MD & CEO, Punjab & Sind Bank received the award. 44 12 Guidance Parameters Actual as on Jun’26 Achievement Guidance for FY'27 Deposit Growth (YoY) 12.16% 13-14% Advances Growth (YoY) 19.35% 16-18% RAM % to TotalAdvances 60.02% >60% Gross NPA 2.21% <2.0% Net NPA 0.65% <0.65% PCR 92.33% 92-93% Recovery & Upgradation 366 Crore > Rs.1000 Crore Credit Cost (Annualised) 0.43% <1% Slippage Ratio (Annualised) 0.72% <1% 45 Disclaimer • The Bank may alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify any person of such revision or changes. • Except for the historical information contained herein, statements in this release which contain words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”, “future”, “objective”, “goal”, “strategy”, “philosophy”, “project”, “should”, “will pursue” and similar expressions or variations of such expressions may constitute "forward-looking statements". • Potential investors must make their own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make such independent investigation as they may consider necessary or appropriate for such purpose. 46 Loan in 3 Clicks THANK YOU Co-Branded Credit Card Enjoy our seamless Mobile Banking through Follow our Official Page: @PSBIndOfficial