Investor Presentation

r>nb 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 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 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 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 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 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 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 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 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% 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 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 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) 15 [Showing first 8,000 characters — download PDF for full document]