Outcome of Board Meeting

Share Department, Board & Coordination Division, Head Office Plot No.4 Sector 10, Dwarka, New Delhi–110075, E-mail: hosd@pnb.bank.in Scrip Code : PNB Scrip Code : 532461 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Bandra – Kurla Complex, Phiroze Jeejeebhoy Towers, Bandra (E) Dalal Street, Mumbai – 400051 Mumbai – 400001 Date: 16.10.2026 Dear Sir(s), Reg.: Outcome of Board Meeting under Regulation 30 and 51 of SEBI (LODR) Regulations, 2015 The Exchange is hereby informed that the Board of Directors of the Bank in the meeting held today i.e. 16th October, 2026 has considered and approved the Unaudited / Reviewed Financial Results of the Bank (Standalone and Consolidated) for the quarter/half-year ended 30th September, 2026. The Board Meeting commenced at 02:45 p.m. and concluded at 04:15 p.m. A copy of the Standalone and Consolidated Unaudited/ Reviewed Financial Results along with the Limited Review Report in the prescribed format are enclosed. The same shall also be placed on the Bank's website (https://pnb.bank.in/fInancials-current.html). We request you to take note of the Results in terms of Regulation 33 and 52 of the SEBI (LODR) Regulations 2015. The Security Cover Certificate for the quarter ended 30th September, 2026, in terms of Regulation 54 of the SEBI (LODR) Regulations 2015, is enclosed. Further, the disclosure of Statement of Deviation/Variation under Regulation 32 and 52 (7A) of SEBI (LODR) Regulations, 2015 for the quarter ended 30th September, 2026 are not applicable. You are requested to take the above on record. Thanking you (Bikramjit Shom) Company Secretary Encl.: As above pnb.bank.in PUNJAB NATIONAL BANK HEAD OFFICE: NEW DELHI FINANCIAL RESULTS fREVIEWED) FOR THE QUARTER / HALF.YEAR ENDED SEPTEMBER 30, 2026 Rs. in lacs T CONSOLIDATED L e Year ended L Year ended S.No. Particulars 3 30.09.2025 3 31.03.2026 2 e 6 w w6 31.03.2026 e Reviewed e Audited w Audited 3 8 1 r 3m2 3187153 6 12822319 8 13077209 r scounMadvances / bills 2191421 4 8876159 mBTn2 1 8 8954689 -2–lZ’ ' 5b dc t) ) ) - OBI en a t rc h Ilo a nem n crs oce e o s en Investmen wts ith RBI & other inter bank funds 2 1 34 8 445 39 14 9 491 6 22 19 01 4 7 1 2 mT9 9 3 143 8221 7052 9775 3877 9077 76 3o 4 93 0 4 3 14 2 84 63 08 91 73 10 86 28 12 15 50 T 3 3621362 5 14701716 8 14946330 -3–Kaist Expende3c 2 2140273 5 8626342 2 7 m 7 5 a7 6 o 8806940 ) :a) Employees Cost 46 m' 7 45 78 43 68 93 9 1 8 3 11 84 76 44 71 0 1 3 4 3 5 0 7 8 4 6 3 11 88 92 98 29 26 8 b) Other operatinq©xpenses W8 6 1271708 4 1283668 HTOTAL EXPENDIRIRE (3+4) 3065347 2971153 2898656 6036500 5913697 11772753 31 22747 3029099 2952890 6151846 6020921 11989836 (excluding provisions & contingencies) e 753194 751 920 722706 1505114 m3 2928963 756363 766276 715488 1522639 1447341 2956494 s 9727 54119 64308 63846 96618 253993 7537 55470 62780 63007 97291 248328 of which provisions for Non Performing Assets 81689 79202 -63919 160891 -24306 200430 80346 80359 -66408 160705 -31971 188387 Hceptional items 0 0 0 0 0 0 0 0 0 0 0 0 s e tax (C-D.El 743467 697801 658398 1441 268 1334223 2674970 748826 710806 652708 1459632 1350050 2708166 Xro 190244 172472 168025 362716 676350 984571 192712 176891 167844 369603 681964 998589 553223 525329 490373 1078552 657873 1690399 556114 533915 484864 1090029 668086 1709577 aExtraordinary items (net of tax expense) 0 0 0 0 0 0 0 0 0 0 0 0 r m3 525329 490373 107855 =2 ==Un 657873 1690399 556114 533915 484864 1090029 668086 1709577 35692 49562 27195 85254 60683 137093 st ::ill;iii$iii 1969 2005 -469 3974 4253 7401 r rest (J+K-L) 553223 525329 490373 1 1690399 589837 581472 512528 1171309 724516 1839269 IP equity Share Capital (Face value Rs. 2/-each: 229859 229859 229859 2 229859 229859 229859 229859 n==b===n==2298=5==9== 229859 229859 12998781 13731030 'as per Balance sheet of previous year) F:: :A 'i) Share holding of Govt. of India (%) 70.08 70.08 70.08 70.08 70.08 70.08 70.08 70.08 70.08 70.08 70.08 'ii) Capital Adequacy Ratio - Basel-111 (%) 18.13 17.19 17.95 17.19 17.74 17.96 18.11 17.20 17.96 17.20 17.76 :a) CET 1 Ratio (%' 14.52 12.75 14.44 12.75 13.62 14.45 14.52 12.78 14.45 12.78 13.67 'b) Additional Tier 1 Ratio (%) 1.51 1.66 04 D6 05 1.46 1.50 1.66 1.46 1.66 1.53 Earnings per Share (EPS) not annualized (in Rs ’a) Basic and diluted EPS before extraordinary items 4.81 4.57 4.27 9.38 5.72 14.71 5.13 5.06 4.46 10.19 6.30 16.00 b) Basic and diluted EPS after extraordinary items 4.81 U5 D2 D3 S12 14.71 5.13 5.06 4.46 10.19 6.30 16.00 iv) NPA Ratios 'a) Amount of Gross NPAs 3419017 3538080 4034333 3419017 4034333 3712412 A; iA : :: ::aT: b) Amount of Net NPAs 331327 343320 402575 331327 402575 360956 ii,q: rFi;:'€ ’c) % of Gross NPAs 2.55 2.78 3.45 2.55 3.45 2.95 :d) % of Net N PAs 0.25 0.28 0.36 0.25 0.36 0.29 B Return on Assets (Annualised) % 1.05 1.04 1.05 1.04 0.71 0.89 ;vi) Net Worth 2 2 11 024532 12865723 11 024532 11831714 'vii) Outstanding redeemable preference shares (Quanti1 and Value :viii) Capital redemption reserve/debenture redemption reserve ix) Debt-equity ratio (Borrowings/Net Worthl 0.88 0.64 0.77 0.88 0.77 0.70 ’x) Total Debts to Total Assets (BorrowinqsfTotal Assets) 0.05 0.04 0.05 0.05 0.05 0.04 :;i) Operating Margin (%) (Operating Profit/Total Income) 19.72 20.20 19.96 19.96 19.48 19.92 Me Profit Margin (%) (Net Profit after tax/Total Income) 14,49 14.11 13.54 14.30 8.96 11.50 punjab national bank ...the name WU can BANK upon I Notes forming part of Reviewed Standalone and Consolidated Financial results for the quarter and half-year ended September 30, 2026: 1. Summarised Statement of Assets and Liabilities: Rs in Lacs Particulars Standalone Consolidated 3 3 0 30.09.2026 3 3 Reviewed :Reviewed) 1 (Audited) I (Reviewedi :Reviewed) 1 (Reviewed) : (Audited) I (Reviewed CAPITAL & LIABILITIES Capital 229859 2 229859 9 Reserves & Surplus 15047825 5 15868342 1 Minority Interest 67798 8 Deoosits 177724048 2 179278002 1 Borrowings 11 361584 1 13783572 5 Other Liabilities and 1 Provisions 3596814 3770390 4980208 3923283 3657636 1 3833744 1 5031538 1 3973724 9 2 2 TOTAL 207960130 9 3 ASSETS Cash & Balances with Reserve Bank 5042486 7124274 1 6085552 6522831 5045528 7127323 6088217 1 6524964 of India Balances with Banks & Money at Call & 10014165 90311531 lol09155 8110735 l0276073 9193219 1 l0323981 8301508 Short Notice 9 5 5 Investments 51759086 5 5 1 1 1 Advances 131045081 1 8 1 1 1 Fixed Assets 1555952 1 1 8 8 3 Other Assets 8543360 7 8 1 2 03 TOTAL 207960130 9 2. These financial results have been drawn from the financial statements prepared in accordance with Accounting Standard 25 (AS-25) “Interim Financial Reporting” issued by the Institute of Chartered Accountants of India. 3. These financial results have been reviewed and recommended by the Audit Committee of the Board and approved by the Board of Directors in their respective meetings held on October 16, 2026. The same have been subjected to limited review by the Statutory Central Auditors of the Bank, as per the requirements of Securities & Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended thereafter 4 These financial results of the Bank have been arrived at after considering necessary provisions for non-performing assets, standard assets, restructured advances, stressed sector accounts, standard derivative exposures, direct taxes including deferred tax, unhedged foreign currency exposure, depreciation on fixed assets and investment depreciation on the basis of extant guidelines issued by the Reserve Bank of India, judicial pronouncements and applicable accounting standards issued by The Institute of Chartered Accountants of India. Other usual and necessary provisions (including provision for employee benefits) for the quarter/ half year have been made on estimated basis and are subject to adjustments, if any, at the year end. 5. There are no material changes in Significant Accounting Policies followed for preparation of financial [Showing first 8,000 characters — download PDF for full document]