Investor Presentation

Ref No: PSB/HO/Shares Cell / 60 /2026-27 October 17, 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 (Q2) / Half Year ended September 30, 2026 We are enclosing Investor Presentation on the Reviewed Unaudited Financial Results for the Quarter (Q2) / Half Year ended September 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 31-33 Section 10 Digital Journey & Our Products 34-41 Section 11 Initiatives 42-43 Section 12 Guidance 44 1 Strong Business Growth Continues Retail Term Total Business Total Deposits Gross Advances CASA Deposits Deposits ₹ 279231 Crore ₹ 153312 Crore ₹ 125919 Crore ₹ 44207 Crore ₹ 67354 Crore 15.73% 12.97% 19.28% 7.48% 9.64% (YoY) (YoY) (YoY) (YoY) (YoY) 279231 153312 67354 125919 44207 241272 135706 105566 41129 61432 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 1 Consistency in Operational Income Net Interest Net Interest Operating Profit Net Profit Core Fee Income Income Margin ₹ 618 Crore ₹ 412 Crore ₹ 246 Crore ₹ 1162 Crore 2.77% 22.38% 39.66% 23.62% 22.32% 17 bps (YoY) (YoY) (YoY) (YoY) (YoY) 2.77 1162 412 199 505 295 2.60 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 1 Asset Quality – Significant Improvement PCR Slippage Gross NPA (%) Net NPA (%) Credit Cost (%) (With TWO) (%) Ratio (%) 2.09% 0.61% 0.07% 92.48% 0.20% 92.48 2.92 0.20 0.83 0.07 2.09 0.61 0.17 91.88 Sep'25 Sep'26 -0.03 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Other Key Performance Highlights – Driving Financial & Operational Improvement Strong Capital RAM Advances Segmental Credit Cost to Income Return on Adequacy ₹ 77276 Crore Growth (YoY) Ratio (%) Assets (%) CRAR (%) 59.19% 0.88% 31.08% 16.55% (YoY) 268 bps 16 bps (YoY) Retail – 42.71% (YoY) (YoY) RAM (%) to Total CET-I (Including Advance – 61.37% CCCB) (%) – 15.49% Agri.- 16.01% MSME- 28.69% 61.87 77276 0.88 17.19 0.72 58953 59.19 16.55 Corporate - 4.35% Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 Sep'25 Sep'26 1 Overall Business Mix – Consistent and Stable Growth Total Business (₹ Cr) Total Deposits (₹ Cr) Gross Advances (₹ Cr) 2,79,231 1,25,919 1,53,312 2,63,652 2,66,420 1,45,829 1,47,130 1,17,823 1,19,290 1,35,706 1,05,566 2,41,272 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 YoY Growth (Sep’25 vs Sep’26) –15.73% YoY Growth (Sep’25 vs Sep’26) – 12.97% YoY Growth (Sep’25 vs Sep’26) –19.28% In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ (%) YoY (%) Total Business 241272 263652 266420 279231 4.81 15.73 Total Deposits 135706 145829 147130 153312 4.20 12.97 Gross Advances 105566 117823 119290 125919 5.56 19.28 CD Ratio (%) 77.79 80.80 81.08 82.13 105 bps 434 bps 1 Liability Franchise CASA(₹ Cr) Retail Term Deposits (₹ Cr) CASA & Retail Term Deposits(₹ Cr) 44,876 67,354 1,11,561 44,225 44,207 65,764 1,09,923 1,09,989 65,047 61,432 41,129 1,02,561 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 In ₹ Cr Period Ended Variation Particulars (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ (%) YoY (%) Current Deposits 5093 6577 5915 6338 7.15 24.45 Savings Deposits 36036 38299 38310 37869 (1.15) 5.09 CASA Deposits 41129 44876 44225 44207 (0.04) 7.48 CASA (%) 30.31 30.77 30.06 28.83 (123 bps) (148 bps) Term Deposits 94577 100953 102905 109105 6.02 15.36 • Out of above Retail Term Deposits 61432 65047 65764 67354 2.42 9.64 CASA + Retail Term Deposits 102561 109923 109989 111561 1.43 8.78 Total Deposits 135706 145829 147130 153312 4.20 12.97 Segmental Lending Portfolio – Well Rounded Growth in all the three RAM Segments on yearly basis Home Loan (₹ Cr) Advances Mix (₹ Cr) Period Ended Variation 13584 Particulars 13469 13471 13337 (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 QoQ (%) YoY (%) Sep'25 Mar'26 Jun'26 Sep'26 Advances 105566 117823 119290 125919 5.56% 19.28% Vehicle Loan (₹ Cr) Retail 23458 27498 30799 33478 8.70% 42.71% 3564 4008 4058 4356 Agri 14839 16610 15959 17215 7.87% 16.01% Sep'25 Mar'26 Jun'26 Sep'26 MSME 20656 25169 24838 26583 7.03% 28.69% Personal Loan (₹ Cr) Total RAM 58953 69276 71596 77276 7.93% 31.08% Corporate 46614 48547 47694 48643 1.99% 4.35% 1080 1105 1199 RAM (%) 55.84 58.80 60.02 61.37 Sep'25 Mar'26 Jun'26 Sep'26 1 Segmented RAM Portfolio Retail Portfolio - ₹ 33478 Cr Agri Portfolio - ₹ 17215 Cr MSME Portfolio - ₹ 26583 Cr 26.59 % 13.67 % 21.11 % of Advances of Advances of Advances In ₹ Cr In ₹ Cr In ₹ Cr Period Ended % Period Ended % Period Ended % Particulars Share Particulars Share Particulars Share (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 Sep- (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 Sep- (in ₹ Cr) Sep’25 Mar’26 Jun’26 Sep’26 Sep- 26 26 Farm Credit 8597 8665 7968 8475 49.23% MSE Loan 3938 4139 4193 4347 16.35% Home Loans 13337 13469 13471 13584 40.58% Vehicle Loans 3564 4008 4058 4356 13.01% Agri Infra 344 516 479 703 4.08% GST EASE 2258 2730 2752 3003 11.30% Personal Loan 903 1080 1105 1199 3.58% Food & Agro MSME Premier 952 1940 2195 2841 10.69% 1804 2699 2900 3639 21.14% Gold Loans 1378 4463 7863 9804 29.28% Processing Vyapar 1327 1522 1496 1550 5.83% Out of which, DA - 2042 5593 7087 Agri Gold 1462 2264 1997 1578 9.17% TReDS 2011 3100 2689 2852 10.73% Others 4276 4478 4302 4535 13.55% Others 2632 2466 2615 2820 16.38% Othes 10170 11738 11513 11990 45.10% TotalRetail 23458 27498 30799 33478 TotalMSME 20656 25169 24838 26583 TotalAgri 14839 16610 15959 17215 Retail Agriculture MSME 23458 27498 30799 33478 14839 16610 15959 17215 20656 25169 24838 26583 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 Sep'25 Mar'26 Jun'26 Sep'26 1 Advances Breakup of Major Industries / Sectors In ₹ Cr Quarter Ended Sector Sep'25 Mar'26 Jun'26 Sep’26 % to Total % to Total % to Total % to Total Particulars (in ₹ Cr) Amount Amount Amount Amount Advances Advances Advances Advances Infrastructure 13388 12.68 13999 11.88 13782 11.55 14334 11.38 (Out of Which) Energy 6174 5.85 6765 5.74 6428 5.39 6535 5.19 Telecommunication 568 0.54 168 0.14 168 0.14 168 0.13 Roads, Ports 3168 3.00 3608 3.06 3636 3.05 3830 3.04 Other Infra 3478 3.29 3457 2.93 3550 2.98 3801 3.02 Iron & Steel 3879 3.67 3936 3.34 3824 3.21 3199 2.54 Textile 1194 1.13 1303 1.11 1267 1.06 1317 1.05 NBFC 15347 14.54 17664 14.99 17842 14.96 18612 14.78 (Out of Which) HFC 1189 1.13 1224 1.04 1172 0.98 1124 0.89 PSU & PSU backed NBFC 4216 3.99 4039 3.43 3952 3.31 4865 3.86 Private NBFC 9942 9.42 12400 10.52 12717 10.66 12622 10.02 1 Rating Profile of NBFCs In ₹ Cr Quarter Ended Sep'25 Mar’26 Jun’26 Sep'26 Particulars (in ₹ Cr) Amount % to Total Amount % to Total Amount % to Total Amount % to Total AAA rated 6395 41.59 7861 44.53 8598 48.09 8871 47.57 AA rated 7883 51.27 8278 46.89 7967 44.56 8077 43.31 A rated 1060 6.90 1470 8.33 1270 7.11 1650 8.85 Total A & above 15338 99.75 17609 99.75 17835 99.76 18598 99.73 BBB Rated - - - - - - 5 0.03 BB & Below 38 0.25 45 0.25 44 0.24 46 0.25 Total 15376 100 17653 100 178 [Showing first 8,000 characters — download PDF for full document]