The Company has submitted the Investor Presentation for the quarter and half year ended September 30, 2026 which will be referred during earnings call with investors at 07:30 p.m. (IST) on October 28, 2026.

PNBHFL/SE/EQ/FY2026-27/91 October 28, 2026 BSE Limited National Stock Exchange of India Limited Listing Department, Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza Dalal Street, Bandra Kurla Complex, Mumbai – 400001 Bandra (E), Mumbai – 400051 Scrip Code: 540173 Symbol: PNBHOUSING Dear Sir/Madam, Sub: Investor Presentation for the quarter and half year ended September 30, 2026 Ref: Our letter PNBHFL/SE/EQ/FY2026-27/89 dated October 28, 2026 We have enclosed the Investor Presentation of the Company for the quarter and half year ended September 30, 2026, which will be referred during earnings call with investors at 07:30 P.M. (IST) on October 28, 2026. This investor presentation is submitted pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and the same shall also be available on the website of the Company at https://www.pnbhousing.com Kindly take the above document on record. Thanking you, Yours faithfully, For PNB Housing Finance Limited Veena G Kamath Company Secretary Encl: As above. Regd. Office: 9th Floor, Antriksh Bhawan, 22 K G Marg, New Delhi – 110 001 Phone: 011-66030500, E-mail: investor.services@pnbhousing.com, Website: www.pnbhousing.com CIN: L65922DL1988PLC033856 Internal 5 13 166 74 74 68 145 105 88 166 105 155 166 91 148 201 166 135 233 198 138 41 204 185 177 230 Investor Presentation 143 178 77 44 60 54 Quarter Ended September 2026 60 249 151 177 211 66 240 28-October-2026 240 242 196 242 25 242 173 96 Public Table of Content 5 13 166 74 74 1 Key Performance Highlights 68 59 145 105 88 166 105 155 2 Business Update 166 91 148 201 166 135 233 198 92 3 Segment Update – Affordable 49 138 41 204 185 4 155 Segment Update – Emerging Markets 177 230 178 77 44 60 5 Segment Update – Prime 54 60 249 151 177 211 6 Asset Quality 66 240 240 242 196 7 Technology Update 242 25 242 173 8 Financial Performance 96 9 Ownership & Governance ESG Update & Awards Public Q2 FY27 Executive Summary 133 5 13 166 74 74 68 145 105 Business Metrics & Expansion 88 166 105 155 • Disbursements scaled up 60% YoY to INR 9,609 crore in Q2 FY27 vs INR 5,995 crore in 166 91 148 201 166 135 Q2 FY26 233 198 92 • Overall loan book grew 19% YoY to INR 95,079 crore as on 30 Sep 2026 138 41 • Corporate loan book increased 107% YoY to INR 689 crore as on 30 Sep 2026 1 204 185 181 Margins 56 177 230 178 77 • Spread expanded sequentially by 31 bps to 2.43% in Q2 FY27 44 60 54 • NIM is higher by 17 bps to 3.67 % in Q2 FY27 vs 3.50% in Q1 FY27 60 • Yield improved to 9.74% in Q2 FY27 from 9.48% in Q1 FY27, while CoB decline by 5 bps to 7.31% vs 7.36% in Q1 FY27 249 151 177 211 66 240 Asset Quality 44 240 242 196 ✓ 242 • GNPA improved to 0.91% vs 0.95% in Q1 FY27 25 242 • Recovered INR 75 crore in Q2 FY27 and INR 141 crore in H1 FY27 from total written-off pool 173 96 Profitability • PAT grew by 6% YoY to INR 617 crore in Q2 FY27 as against INR 582 crore in Q2 FY26 • ROA stood at 2.53% in Q2 FY27 (annualized) compared to 2.66% in FY26 A A A R a t e d b y a l l 4Pu blRic a t i n g A g e n c i e s 3 Key Performance Highlights – Q2 FY27 (YoY | QoQ) 133 5 13 166 74 74 68 145 105 88 DDiissbbuurrsseemmeenntt Asset under Management Loan Book 166 105 155 166 91 148 201 YoY : 60% | QoQ : 59% YoY : 17% | QoQ : 6% YoY : 19% | QoQ : 6% 166 135 233 198 (INR Crore) 9,609 * (INR Crore) (INR Crore) 98,210 95,079 49 138 41 5,995 6,029 * 93,021 89,670 133 1 204 185 83,879 79,771 155 177 230 178 77 Q2 FY26 Q1 FY27 Q2 FY27 44 60 * Includes pool buyout of INR 147 crore & INR 838 crore Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 54 during Q1 & Q2 FY27 respectively 141 60 249 151 177 211 Spread / NIM GGNNPPAA // NNNNPPAA ROA / ROE 66 240 YoY : 16 bps / Flat | QoQ : 31 bps / 17 bps YoY : -13 bps / -14 bps | QoQ : -4 bps / -3 bps YoY : -20 bps / -81 bps | QoQ : 15 bps / 89 bps 44 240 242 196 Spread NIM GNPA NNPA 242 ROA ROE 25 242 3.67% 3.50% 3.67%* 13.14% 96 12.33% 11.44% 96 173 2.26% 2.12% 2.43%* 1.04% 0.95% 0.91% 96 169 0.69% 0.58% 0.55% 2.73% 2.37% 2.53% Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 * Spread is 2.24% & NIM is 3.49% (x-1 Off) Public 4 Key Performance Highlights – H1 FY27 (YoY) 133 5 13 166 74 74 68 145 105 88 DDiissbbuurrsseemmeenntt Asset Under Management Loan Book 166 105 155 166 91 148 201 166 135 YoY : 42% YoY : 17% YoY : 19% 233 198 (INR Crore) (INR Crore) (INR Crore) 15,638 98,210 95,079 49 138 41 10,975 133 1 204 185 83,879 155 79,771 177 230 178 77 44 H1 FY26 H1 FY27 60 H1 FY26 H1 FY27 H1 FY26 H1 FY27 54 * Includes pool buyout of INR 986 crore in H1 FY27 141 60 249 151 177 211 Spread / NIM GGNNPPAA // NNNNPPAA ROA / ROE 66 240 240 YoY : 5 bps / -12 bps YoY : -13 bps / -14 bps YoY : -21 bps / -88 bps 242 196 242 25 Spread NIM GNPA NNPA ROA ROE 242 3.70% 3.58%* 12.77% 96 1.04% 11.89% 173 0.91% 96 2.23% 2.28%* 169 0.69% 0.55% 2.65% 2.44% H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 * Spread is 2.18% & NIM is 3.49% (x-1 Off) Public 5 ROA Tree 133 5 13 166 74 74 68 145 105 88 Particulars Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY H1 FY27 H1 FY26 YoY 166 105 155 166 91 148 201 166 135 233 198 Yield 9.74% 9.48% 26 bps 9.95% -21 bps 9.61% 9.97% -36 bps 138 41 CoB 7.31% 7.36% -5 bps 7.69% -37 bps 7.33% 7.74% -41 bps 133 1 204 185 Spread 2.43% 2.12% 31 bps 2.26% 16 bps 2.28% 2.23% 5 bps 177 230 178 77 NIMs 3.67% 3.50% 17 bps 3.67% - 3.58% 3.70% -12 bps 44 60 54 GIMs 4.10% 3.92% 17 bps 4.05% 5 bps 4.01% 4.06% -5 bps 60 249 151 177 211 Opex to ATA 1.03% 0.99% 4 bps 1.02% 1 bps 1.02% 1.02% - 66 240 240 PPOP to ATA 3.05% 2.93% 12 bps 3.03% 2 bps 2.99% 3.04% -5 bps 242 196 242 25 242 Credit Cost to ATA -0.19% -0.12% - 7 bps -0.53% 34 bps -0.16% -0.40% 24 bps 96 173 96 ROA 2.53% 2.37% 15 bps 2.73% -20 bps 2.44% 2.65% -21 bps ROE 12.33% 11.44% 89 bps 13.14% -81 bps 11.89% 12.77% -88 bps Q2 FY27 includes 1-off of charges on prepayment of corporate account; X 1-off, Yield, Spread and NIM would have been 9.56%, 2.24% and 3.49% respectively for Q2 FY27 and 9.51%, 2.18% and 3.49% respectively for H1 FY27 Public 6 5 13 166 74 74 68 145 105 88 166 105 155 166 91 148 201 166 135 233 198 138 41 204 185 177 230 178 77 44 Overall Business Update 60 54 60 249 151 177 211 66 240 240 242 196 242 25 242 173 96 Public 7 7 Strategic Objectives 133 5 13 166 74 74 68 145 105 High Yielding Portfolio Growth 88 166 105 155 • Focus on high yielding Affordable and Emerging Markets segment to improve Yield and NIM 166 91 148 201 166 135 233 • Reinitiate corporate lending with disciplined risk management, capping exposure at under 198 ~10% of the total loan portfolio 138 41 • New Initiatives and growth opportunities 204 185 Asset Quality 177 230 • Sustain best-in-class asset quality through robust underwriting, rigorous 143 178 77 44 monitoring and continues policy refinements 60 54 Sustainable 141 60 249 Business 151 177 211 Growth 66 240 Technology & Artificial Intelligence 240 242 • Leverage technology for paperless journey across the loan cycle and AI pilots 196 242 25 to drive productivity & efficiency 242 173 96 Consistent Profitabilty • Driving Sustainable Profitability through NIM Optimization, Cost Efficiency and Superior Asset Quality Public 8 High Yielding Portfolio Growth 133 5 13 166 74 74 68 145 105 88 166 105 155 New Growth Levers to Scale the High-Yielding Portfolio 166 91 148 201 166 135 233 198 138 41 204 185 177 230 178 77 44 Expanded 60 54 Shift towards Affordable business Launch of Launch of Micro 60 249 high yielding from select Prime & Emerging Housing Finance 151 177 211 segment Emerging branches Developer Finance for higher yields 66 240 240 (Disbursement in INR Crore) (Disbursement in INR Crore) (Disbursement in INR Crore) 242 196 242 25 37% 40% 41% 41% 213 71 71 242 36 96 173 63% 60% 59% 59% 28 0 96 183 FY25 FY26 Q1FY27Q2 FY27 Q1FY27 Q2 FY27 Q1FY27 Q2 FY27 Q1FY27 Q2 FY27 Emerging Markets+Affordable Prime Public 9 Loan Asset Mix 133 5 13 166 74 74 68 145 105 88 (INR Crore) Segment Mix Retail Produc [Showing first 8,000 characters — download PDF for full document]