Investor Presentation

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” Phiroze Jeejeebhoy Towers, Bandra – Kurla Complex, Bandra (E) Dalal Street, Mumbai – 400 051 Mumbai – 400 001 Date: 19.08.2026 Dear Sir(s), Reg.: Investor/ Analyst Meet- Non-deal Roadshow update In continuation to our intimation dated 17.08.2026, please find attached the Investor Presentation. The same is also available on the website of the Bank at www.pnb.bank.in. The above is submitted in compliance of SEBI LODR Regulations 2015. Thanking you, Company Secretary pnb.bank.in PUNJAB NATIONAL BANK Investor Presentation August 2026 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 ($ 707 Bn as of 7thAug’26) Adequate Capital El-Nino Effect & Lower Kharif Sowing Source : IMF World Economic Outlook Update (July 2026), MoCI(GoI), RBI, SIAM; CY –Calendar Year 2 (In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page:www.pnb.bank.in 1894 1895 1947 1969 2002 2016 2020 ‘SymbolofTrust’ movedfrom Lahore toDelhi&repaid PNB'ssuccessful PNB2ndLargest PSB depositsonbasisof whatever IPOdivestedupto oftheCountry after evidence wasproduced 20%ofGovt.of amalgamation w.e.f. India'sownership 01.04.2020 FoundedinLahore on 19.05.1894by ShriLalaLajpat Rai First Branch opened on12.04.1895at Anarkali Bazaar, Lahore FirstNationalised banktoachieve milestonebusiness GovtofIndia ofRs. 10 lakh crore NationalizesPNB and 13other Banks Subsidiaries Associates & Joint Venture Domestic Foreign Domestic Foreign RRB 35%stakeineachone:- 1. PNB Cards & Services 1. PNBIL, London - 1. PNB Housing Finance Ltd – Everest Bank, Ltd. –100% 100% 28.03% Nepal- 1.BiharGraminBank 2. PNBISL -100% 2.DRUK PNB Bank 2. PNB MetLife India Insurance 20.02% 2.HaryanaGraminBank Ltd, Bhutan -51% 3. PNB Gilts Ltd - 74.07% Co. Ltd - 30% 3.HimachalPradeshGraminBank 4.PunjabGraminBank 5.TripuraGraminBank 6. Manipur Rural Bank 7. Assam Gramin Bank 8. West Bengal Gramin Bank Key Management (Whole Time Directors)  Assumed the charge as MD & CEO of Punjab National Bank w.e.f. 16th January 2025. Prior to this, he was holding the position of ExecutiveDirectoratCanaraBankfrom21stNovember2022to15thJanuary2025.  Havingmorethan33yearsofProfessionalBankingExperience,hehasservedinthreedifferentPublicSectorBanksviz.CorporationBank Shri Ashok Chandra (nowUnionBank)andCanaraBankasExecutiveDirector. (Managing Director & CEO)  HealsoservedasaDirectorontheBoardofCanaraHSBCLifeInsuranceCompanyLimited,PSBAllianceLtd.andCanaraVentureCapital FundLtd.  HeisamemberofIBAstandingcommitteeforHR.  ShriChandraholdsaMaster’sDegreeinEconomicsandisalsoaCertifiedAssociateofIndianInstituteofBankers.Hewaschosentobea partoftheleadershipprogrammedesignedbytheBanksBoardBureauandconductedbyIIMBangaloreduring2019-2020.  AssumedChargeasExecutiveDirectoroftheBankonDecember01,2022.  StartedhisBankingjourneywithCanaraBankintheyear1990asAgricultureOfficer. He has Banking Experience of more than 35+ years serving in various capacities at various locationacrossthecountry.  Well-recognisedforhisextraordinaryabilitytodemonstrateleadershipqualitiesatvarious levelsviz.,Branch/Region/Circle.  His experience and contribution is spread across multiple domains of Branch Banking, Credit,PrioritySector,ForexandTradeFinance,Compliance,amongothers. Shri M. Paramasivam  He has also undertaken Leadership Development Strategy Program organised by Banks (Executive Director) BoardBureauandIndianBanks’Association  AssumedchargeasExecutiveDirectoroftheBankon24thMarch2025.  Assumed charge as Executive Director of the Bank on 24th November  Hasexperienceof 35+yearsin Banking and isaPostgraduatein Agriculturefrom 2025 AnnamalaiUniversityandaCertifiedAssociateMemberofIndianInstituteofBankers  Shri Srivastava began at Oriental Bank of Commerce in 1994, building (CAIIB). overthreedecadesofdiversebankingexperiencee.  HestartedhiscareerinCanaraBankasanAgricultureExtensionOfficer(AEO)inthe  He has led key verticals like Treasury, Risk Management, and Credit, year1990andhasservedinvariouscapacitiesatvariouslocationacrossthecountry. recently serving as PNB's Group Chief Risk Officer and Jodhpur Zonal  Inhiscareer,hefunctionedinalmostallareasofbankingespeciallyBranchBanking, Manager. Priority Credit, MSME, Retail Credit, Recovery and Human Resources. During his  A BHU alumnus, he holds a Master's degree alongside elite global tenureasHeadofHRWing,ProjectAarohan-HRTransformationwasrolledout.He Shri Amit Kumar certificationsinRiskandSustainabilityfromGARPandICFAI. Shri D Surendran wasalsonominatedontheBoardofCanaraHSBCLifeInsuranceCompanyLtd. Srivastava (Executive Director) (Executive Director) 6 6 Board of Directors Smt. Sankar presently serving as Regional Director for Shri. D. Anandan is an Indian Administrative Service (IAS) TamilNaduandPuducherry,ReserveBankofIndia.Shehas Officer of 2000 Batch belonging to Sikkim Cadre, currently served in various offices of RBI across India and has wide servingasAdditionalSecretary,DepartmentofExpenditure, experience in various fields of central banking such as, Ministry of Finance, Government of India. He has vast supervision of Banks/ Non-Banking Financial Companies/ experience in both Policy making and implementation of Urban Co-operative Banks, training of personnel, Government Schemes and Programmes and is a qualified resolution of banking related complaints of the common Cost and Management Accountant and holds a Masters man as Banking Ombudsman, enhancing financial literacy degreeinCommerce. amongthepublic,etc. D. Anandan Smt. Uma Sankar (Govt. of India Nominee Director) (RBI Nominee Director) Appointed w.e.f. 24.07.2025 Appointed w.e.f. 14.07.2023 Shri Ojha, aged 60 years, is a Bachelor of Engineering in Electronicsand Communication from IITRoorkee (erstwhile Smt. Bhagavatula, aged 58 years, is a Bachelor of University of Roorkee) and has special Commerce, Chartered Accountant (FCA) and also holds a knowledge/experience in Information Technology, Risk Diploma in Information Systems Audit (DISA). She has Management,Payment& SettlementSystemsand Business knowledge/ experience in Accountancy, Banking, Finance Management. He has 35 years of experience and has andAudit.Shehas25yearsofexperienceandhasworked worked in various Multinationals at Senior Executive invariousorganizationsatSeniorExecutivepositions. positions. Shri Ambarish Ojha Smt. Vandana Bhagavatula (Shareholder Director) (Shareholder Director) Elected w.e.f. 12.09.2024 Elected w.e.f. 29.08.2025 INTERNATIONAL RATINGS Shareholding as on 30.06.2026 Total No. of Shares: 11,492.9 Million Baa3/P-3/ BBB-/F3/ Stable Stable Resident Others, Individual , 0.94% 7.00% FIIs, 5.93% DOMESTIC RATING Mutual Funds, 6.51% FIs/ Banks/ PNB’s BASEL III BOND RATINGS Govt. of India, Insurance, 70.08% 9.54% Additional Tier- Tier-II Bonds Sl. Rating Agency 1 Bonds Ra [Showing first 8,000 characters — download PDF for full document]