The Company has submitted the Investor Presentation for Q1FY27.

PNBHFL/SE/EQ/FY2026-27/50 August 04, 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 ended June 30, 2026 Ref: Our letter PNBHFL/SE/EQ/FY2026-27/48 dated August 04, 2026 We have enclosed the Investor Presentation of the Company for the quarter ended June 30, 2026, which will be referred during earnings call with investors at 08:00 A.M. (IST) on August 05, 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 June 2026 60 249 151 177 211 66 240 04-August-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 Q1 FY27 Executive Summary 133 5 13 166 74 74 68 145 105 Business Metrics & Expansion 88 166 105 155 • Disbursements grew 56% YoY on a cheque handover basis. Following shift to cheque realization-based recognition 166 91 148 201 166 135 effective Q1 FY27, reported disbursements grew 18% YoY 233 198 92 • Retail Loan book grew by 16% YoY to INR 89,178 crore; while overall Loan Book grew by 15% YoY to INR 89,670 crore 138 41 • Pool buyout of INR 146 crore during Q1 FY27 to accelerate loan growth 1 204 185 Margins 177 230 • Spread remained stable sequentially at 2.12% in Q1 FY27 143 178 77 44 60 • Higher leverage in Q1 FY27 vs Q4 FY26 and the true-up impact of Q4 FY26 NIM led to 19 bps QoQ moderation in NIM 54 • Yield improved marginally to 9.48% in Q1 FY27 from 9.47% in Q4 FY26. Marginal increase in CoB to 7.36% vs 7.35% in 60 249 Q4 FY26 151 177 211 66 240 Asset Quality 92 240 242 •GNPA continues to be stable at <1% at 0.95% vs 0.93% in Q4 FY26 196 ✓ 242 25 242 •Recovered INR 67 crore in Q1 FY27 from total written-off pool •Fraud reported in July’26 pertains to a legacy account that was fully written off in FY2022-23, with no financial impact 173 96 Profitability • PAT grew by 4% YoY to INR 557 crore in Q1 FY27 as against INR 533 crore in Q1 FY26 • ROA stood at 2.37% in Q1 FY27 and 2.66% in FY26 Public Key Performance Highlights – Q1 FY27 (YoY | QoQ) 133 5 13 166 74 74 68 145 105 88 DDiissbbuurrsseemmeenntt AUM / Loan Book GGNNPPAA // NNNNPPAA 166 105 155 166 91 148 201 166 135 YoY : 18% | QoQ : -37% YoY : 13% / 15% | QoQ : 2% / 3% YoY : -11bps / -11 bps | QoQ : 2 bps / 1 bps 233 198 (INR Crore) After one time impact of change (INR Crore) 92 AUM Loan Book GNPA NNPA in disbursement recognition 49 138 41 9,355 1.06% 133 204 185 90,921 93,021 89,670 0.93% 0.95% 156 101 7 154 5,882 * 87,347 0.69% 4,980 0.57% 0.58% 155 82,100 181 77,732 56 177 230 178 77 44 60 54 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 * Cheque handover Disbursement : INR 7,752 Cr.(56% YoY) 60 249 151 177 211 Spread / NIM ROA ROE 66 240 240 YoY : -11 bps / -24 bps | QoQ : Flat / -19 bps YoY : -20 bps | QoQ : -52 bps YoY : -96 bps | QoQ : -250 bps 242 196 242 Spread NIM 25 242 3.74% 3.69% 13.94% 3.50% 2.89% 12.39% 96 11.44% 2.57% 173 2.37% 96 169 2.23% 2.12% 2.12% Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Public 4 ROA Tree 133 5 13 166 74 74 68 145 105 88 166 105 155 Particulars Q1 FY27 Q4 FY26 QoQ Q1 FY26 YoY 166 91 148 201 166 135 233 198 Yield 9.48% 9.47% 1 bps 9.99% -51 bps 138 41 CoB 7.36% 7.35% 1 bps 7.76% -40 bps 133 204 185 Spread 2.12% 2.12% - 2.23% -11 bps 155 3.62%* 177 230 NIMs 3.50% 3.69% -19 bps 3.74% -24 bps 143 178 77 44 60 54 GIMs 3.92% 4.07% -15 bps 4.06% -14 bps 60 249 Opex to ATA 0.99% 1.08% -9 bps 1.02% -3 bps 151 177 211 66 240 PPOP to ATA 2.93% 2.99% -7 bps 3.04% -11 bps 92 240 242 196 Credit Cost to ATA -0.12% -0.78% 66 bps -0.27% 15 bps 242 25 242 ROA 2.37% 2.89% -52 bps 2.57% -20 bps 173 96 169 ROE 11.44% 13.94% -250 bps 12.39% -96 bps • Spread remain flat QoQ • 12bps NIM contraction driven by increase in leverage and lower yield on Total Assets • * 7bps difference due to adjustment for the actual number of days vs monthly convention Public 5 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 6 6 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 7 High Yielding Portfolio Growth 133 5 13 166 74 74 68 145 105 88 166 105 155 Unlocking 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 (INR Crore) (INR Crore) 242 1,500 196 700 Micro Housing 242 25 37% 40% 41% 45% initiative is under 242 63% 60% 59% 55% 28 71 way, with rollout 96 173 expected from 96 169 FY25 FY26 Q1 FY27 Q1 FY27 FY27 Plan Q1 FY27 FY27 Plan FY27 Plan Q2 FY27 Emerging Markets+Affordable Prime Public 8 Loan Asset Mix 133 5 13 166 74 74 68 145 105 88 (INR Crore) Segment Mix Retail Product Mix Retail Profile Mix 166 105 155 166 91 148 201 77,732 87,347 89,670 166 135 233 198 1.0% 0.5% 0.5% 92 28.7% 32.4% 33.2% t 39.1% 41.0% 41.4% 49 138 41 e s 133 1 204 185 s A 156 107 99.0% 99.5% 99.5% n 155 o 71.3% 67.6% 66.8% 181 L 60.9% 59.0% 58.6% 56 177 230 178 77 44 60 54 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 30-Jun-25 31-Mar-26 30-Jun-26 Corporate Retail Non Housing Loan Individual Housing Loan Self Employed Salaried 60 249 151 177 211 (INR Crore) Retail Product Mix Retail Profile Mix • Live loan accounts serviced by the Company crossed 66 2 94 20 4,980 5,667 3,87,000 as on 30-Jun-26 44 240 242 196 242 t 33.2% 25 n 43.9% 39.8% 242 e m 55.0% • Average ticket size for Individual Housing loan and Retail 96 e 96 Non-Housing at INR 29 lac and INR 27 lac respectively (as 173 r 96 u on 30-Jun-26) 169 b 66.8% 56.1% 60.2% 183 s 45.0% • Affordable and [Showing first 8,000 characters — download PDF for full document]