Investor Presentation

Ref No: PSB/HO/Shares Cell / 35 /2026-27 July 18, 2026 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 Q1 (FY 2026-27) PSB DIGI MSME 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 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 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) 331 1038 164 469 900 144 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 Jun'25 Jun'26 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 Other Key Performance Highlights – Driving Financial & Operational 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 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 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 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM 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 RAM (%) 54.00 58.80 60.02 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 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 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 [Showing first 8,000 characters — download PDF for full document]