#1TAN fogether we can ღვთის NEED LOAN INSTANTLY? Get Instant Credit of Pre-Approved Personal Loan Avail upto 0.25% concession in ROI Upto 18 Lakhs Paperless Process No Branch visit noves pendin Col 16001800927 Authorized Call centre executives may reach out to offer assistance FINANCIAL RESULTS Q3 & 9M FY'23 December 2022 4pnb 30th January 2023 e-OTS Express One Time Settlement G20 დიის 2023 INDIA Shopping ki kyun karte ho worry? PQCC ke saath raho tension free! PNB Pre-Qualified Credit Card Readily available for you via PNB One Mobile App No branch visit Zero Joining fees No Documentation Instant issuance to apply now far Det Cand SALE Follow our Official Page pnbindia f in Force იის G2C იის ...the name you can BANK upon!!!#2TAN fogether we can Content 1 Key Highlights 3 Financial Performance 2 Business Performance 4 Asset Quality 5 Shareholding & Capital Network, FI, 6 Digitalization 7 Group Business & RRBs 8 ESG & Awards G202 2023 INDIA Lenb Page 2#3TAN fogether we can Key Highlights: December'22 G20 2023 INDIA Lenb Profitability 629 Cr 53.04% QoQ. Net Profit Asset Quality 9.76% 312 bps YoY GNPA % Advances & Deposits 856757Cr 13.43% YoY Gross Advances LOAN 5716 Cr 12.61% YoY 3.16% 23 bps YoY % Operating Profit Global NIM 3.30% 85.17% (%) 160 bps YoY NNPA % 332 bps YoY e PCR (Inc. Two) % 9179 Cr 17.63% YoY Net Interest Income 68.46% 329 bps YoY PCR (Excl. Two) % 130421Cr 13.54% YoY 78684 Cr Core Retail Advances 9.16% YoY Housing Loan 1210359 Cr 7.37% YoY Global Deposits Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 13#4TAN fogether we can Continuously improving - Consecutive 4 Quarters G2 Operating Profit 5716 5567 5379 5265 Net Profit Net Interest Income 629 9179 8271 411 308 7304 7543 202 2023 INDIA Lenb აის Amt in Crore NIM% (Global) 3.16% 3.00% 2.76% 2.79% Q4 FY'22 Q1 FY'23 Q2 FY'23 Q3 Q4 Q1 Q2 FY'23 FY'22 FY'23 FY'23 Q3 FY'23 Q4 FY'22 Q1 FY'23 Q2 FY'23 Q3 FY'23 Q4 FY'22 Q1 FY'23 Q2 FY'23 Q3 FY'23 -GNPA Amt NNPA Amt GNPA% NNPA% PCR% Incl TWO PCR% excl TWO CRAR% -Tier 1% 11.78% 92448 11.27% 90167 87035 15.15% 10.48% 83584 9.76% 81.60% 83.04% 83.96% 85.17% 14.82% 14.74% 14.50% 68.46% 34909 31744 4.80% 29348 26363 4.28% 64.79% 66.28% 12.10% 12.20% 12.21% 11.73% 3.80% 62.24% 3.30% Q4 Q1 FY'22 FY'23 Q2 FY'23 Q3 FY'23 Q4 FY'22 Q1 FY'23 Q2 FY'23 Q3 FY'23 Q4 Q1 FY'22 FY'23 Q2 Q3 FY'23 FY'23 Q4 FY'22 Q1 FY'23 Q2 FY'23 Q3 FY'23 Highlights Business Financial Asset Quality Share/ Capital Digitalization ESG/ Network/FI/GB/RRB Award Page 4#5TAN fogether we can Business G20 2023 INDIA Amt in Crore Growth % SI. Parameters Dec'21 Mar'22 Sep'22 Dec'22 QoQ YoY 1 Global Gross Business Overseas Gross Business 1882623 39882 Domestic Gross Business 1842741 1931322 47059 1884263 2023713 2067116 2.14% 9.80% 59002 1964711 64639 9.55% 62.08% 2002477 1.92% 8.67% 2 Global Deposits Overseas Deposits Domestic Deposits Current Deposits Savings Deposits CASA Deposits CASA Share % 1127317 18948 1108369 1146218 21169 1125049 1193501 1210359 1.41% 7.37% 25629 1167872 28998 13.14% 53.04% 1181361 1.16% 6.59% pnb 71564 81974 72741 64589 -11.21% -9.75% 434394 451680 451707 451945 0.05% 4.04% 505958 533654 524448 516534 -1.51% 2.09% 45.65% 47.43% 44.91% 43.72% 621359 612564 669053 693825 3.70% 11.66% Total Term Deposits 3 Global Gross Advances 755306 785104 830212 856757 3.20% 13.43% Overseas Gross Advances 20934 25890 33373 35642 6.80% 70.26% Domestic Gross Advances 734372 759214 796839 821115 3.05% 11.81% 4 CD Ratio % 67.00% 68.50% 69.56% 70.79% 123 bps 379 bps Highlights Business Financial Asset Quality Share/ Capital Digitalization ESG/ Network/FI/GB/RRB Award Page 15#6TAN fogether we can Global Deposits YoY Gr.:7.37% 1193501 1210359 1127317 1146218 Deposits Saving Deposits YoY Gr.:4.04% 434394 451945 1 Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 Dec'22 G20 Domestic CASA Share 43.72% 2023 INDIA Lenb Amt in Crore 38.2 5% 5.47 % Dec'22 Savings Deposits % Current Deposits % Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 6#7TAN fogether we can Advances Growth % Parameters Dec 21 Mar 22 Sept'22 Dec'22 QoQ YOY Gross Domestic Advances YoY Gr.: 11.81% G20 2023 INDIA Amt in Crore pnb Gross Domestic Advances Out of which Retail Agriculture 734372 759214 796839 821115 3.05% 11.81% 821115 796839 759214 734372 MSME RAM 134885 139594 155409 179984 15.81% 33.44% 136449 124286 140303 138201 -1.50% 1.28% 126969 125032 130218 124728 -4.22% -1.76% 398303 388912 425930 442913 3.99% 11.20% Dec'21 Mar'22 Sept'22 Dec'22 Corporate & Others 336069 370302 370909 378202 1.97% 12.54% Priority Sector Achievement Composition % Mandated RAM SI. Parameters Dec'22# Targets YoY Gr.: 11.20% 1 Priority Sector % to ANBC 40.00% 41.35% 442913 2 Agriculture - PS % to ANBC 18.00% 18.00% 46.1% 398303 Small and Marginal Farmers(SMF) 3 9.50% 9.62% 53.9% % to ANBC 4 Weaker Section % to ANBC 11.50% 13.33% 5 Micro Enterprises (PS) % to ANBC 7.50% 7.80% ■RAM Bank has achieved mandated priority sector targets as on Dec'22 # On Quarterly Avg. Basis Dec'21 Business Financial Dec'22 Asset Quality Share/ Capital Digitalization ■ CORP & OTHERS Highlights Network/FI/GB/RRB ESG/ Award Page 17#8TAN fogether we can Core Retail YoY Gr.: 13.54% Core Retail Advances 126359 130421 114866 119204 Home Loan YoY Gr.: 9.16% G20 2023 INDIA Amt in Crore 78684 76877 73805 72083 III Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 Mar'22 Sept'22 Dec'22 Vehicle Loan YoY Gr.: 39.51% Personal Loan YoY Gr.: 40.40% 15404 15805 14038 14294 12615 12193 11042 11257 Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 Mar'22 Sept'22 Dec'22 Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award pnb Page 18#9TAN fogether we can MSME Segment Mix Total:- Rs 124728 Crores 21.5% 21.2% MSME Portfolio Mix MEME सूक्ष्म, लघु एवं मध्यम उद्यम MICRO, SMALL & MEDIUM ENTERPRISES G20 |თის 2023 INDIA Amt in Crore Performance under GECL Facility GECL Amount Sanctioned Amount Disbursed Upto Upto Dec'21 Dec'22 19114 21617 16337 18929 GECL Outstanding as on 31.12.22- Rs 11912 Crores Performance under PMMY 35.5% 35.7% muda Mudra Loans Amount Sanctioned Amount Disbursed 9M FY22 9M FY23 9887 14468 8846 14296 Upto Upto PM SVANidhi 43.0% 43.1% Dec'21 Dec'22 PM SVANidhi Account Sanctioned (No.) Amount Sanctioned 219246 303831 203 323 Dec'21 Dec'22 Micro Small Medium STAND UP India Endeavour and Prosper Highlights Business Financial Asset Quality Share/ Capital Digitalization Stand Up India Position-Q3 FY'23 Target Achievement % Ach 20098 20673 103% Network/FI/GB/RRB ESG/ Award Page 9#10fogether we can External Rating (Std FB) Portfolio & Adv. on Benchmark Rates G2 Amt in Crore 2023 INDIA loის 4 TAN Portfolio > Rs. 100 Crore Advances Mix of Benchmark rate Mar'22 Dec'22 SI Rating Grade Amt. % Share Amt. % Share 1 AAA 130939 46.92% 142616 45.26% FC & Others Base Rate 4.2% 3.5% 2 AA 61238 21.94% 81662 25.92% BPLR 3 A 44508 15.95% 47527 15.08% 0.1% Fixed 4 BBB 17796 6.38% 20591 6.53% PNB RLLR 7.4% ELITE Total BBB & Above 254481 91.19% 292396 92.79% 13.9% 5 BB 8422 3.02% 5428 1.72% 6 B 2601 0.93% 2230 0.71% TBLLR 10.5% 7 ས C 278 0.10% 836 0.27% 8 D 2273 0.81% 994 0.32% MCLR 36.1% Total BB & Below 13574 4.86% 9488 3.01% 9 Unrated 11007 3.94% 13219 4.20% RLLR 24.3% Total 279062 100% 315103 100% As on Dec'22 Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page | 10 Excluding Govt guarantee accounts#11fogether TAN we e can |თის Amt in Crore Diversified Industry Portfolio & Key Sectors G20 2023 INDIA March'22 Sept❜22 Dec'22 Diversified Industry SI. Portfolio 0/s % to Domestic Advances 0/s % to Domestic Advances % to 0/s Domestic Advances 1 Infrastructure -Energy -Tele-Communication 102522 13.5% 103133 12.9% 91831 11.2% March 22 Sept'22 Dec'22 41679 5.5% 45365 5.7% 38814 4.7% SI. Key Sectors o/s 11084 1.5% 10187 1.3% 9259 1.1% -Roads & Ports 38457 5.1% 40257 5.1% 36497 4.4% 1 NBFC o/s 103794 118166 127832 o/s -Other Infra 11302 1.5% 7324 0.9% 7261 0.9% Out of which, Basic Metal & Metal 2 19413 2.6% 23602 3.0% 23138 2.8% Products Housing Finance Companies 37025 42685 46958 -Iron & Steel 15647 2.1% 20356 2.6% 19973 2.4% 2 Commercial Real Estate 19474 18812 17017 3 Textiles 11643 1.5% 10642 1.3% 10312 1.3% 4 Food Processing 20375 2.7% 18794 2.4% 18472 2.2% 3 Capital Market 1057 521 702 Chemical & Chemical 5 10515 1.4% 7077 0.9% 5712 0.7% Products 6 Other Industries 55911 Total 220379 7.4% 59159 29.0% 222407 7.4% 27.9% 65607 8.0% 215072 26.2% Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 11#12TAN NBFC & Energy Sector fogether we can NBFC Sector Outstanding as on 31.12.2022: 127832 Cr External Rating wise Portfolio 2797 637 116 3085 1% 2% 2% 0% 36953 29% 84245 66% Energy Sector G20 External Rating Standard Portfolio 31.12.2022: 37670 Cr 2023 INDIA loის Amt in Crore External Rating wise Portfolio 17124 46% 4688 2498 12% 7% 4613 12% 5690 15% 3057 8% Network/FI/GB/RRB ESG/ Award Page | 12 ■ AAA ■ AA ■ A ■ BBB ■ BB & below ■ Unrated Highlights Business Financial Asset Quality Share/ Digitalization Capital#13TAN fogether we can Investment Portfolio G20 2023 INDIA pnb Amt in Crore YoY Variation SI. Parameters Dec'21 Mar'22 Sept❜22 Dec'22 Amt. % 1 Gross Domestic Investment 381957 375006 397962 395674 13717 3.59% a SLR 277385 267071 293179 292638 15253 5.50% SLR as % to Dom. Investment 72.6% 71.22% 73.67% 73.96% b Non SLR 104572 107936 104783 103036 -1536 -1.47% | Held To Maturity (HTM) 300950 302856 306623 313334 12384 4.11% || Available For Sale (AFS) 80850 72179 89340 81793 943 1.17% III Held For trading (HFT) 157 -29 1999 547 2 Modified Duration (AFS+HFT) 2.71 3.29 3.17 2.73 3 Net demand & time Liabilities 1095284 1098982 1120129 1152439 57155 4 Investment by Overseas Branches 4513 4387 5 Total Gross Investment (1+4) 386470 379393 5266 403228 3798 -715 5.22% -15.84% 399472 13002 3.36% HTM To Gross Domestic Investment (%) 78.79% 80.76% 77.05% 79.19% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page | 13#14fogether TAN we e can Non SLR Investment G20 2023 INDIA lonის Amt in Crore Y-o-Y Variation Dec'21 Sep'22 Dec'22 SI. Parameters o/s % Share o/s % Share o/s % Share Amt Gr. % 1 PSU Bonds 19935 19.06% 16373 15.63% 15873 15.41% -4062 -20.38% 2 Corporate and Other Bonds & Debentures 12235 11.70% 15857 15.13% 15826 15.36% 3591 29.35% 3 Special Govt. Sec excl. Recap Bonds 1253 4 CG Recap. Bond 55274 1.20% 52.86% 1114 1.06% 5 Share of PSU/Corporate/Others 6 Venture Capital Fund 360 7158 6.85% 0.34% 55274 6423 6.13% 52.75% 6034 1058 1.03% 55274 53.65% 5.86% -195 -15.56% -1124 -15.70% 379 0.36% 390 0.38% 30 8.33% 7 7 R Regional Rural Bank 814 0.78% 1073 1.02% 1073 1.04% 259 31.82% 8 Security Receipts 1703 1.63% 1446 1.38% 1421 1.38% -282 -16.56% 9 S Subsidiaries JV 3220 3.08% 3352 3.20% 3389 3.29% 169 5.25% 10 Other Total Non SLR Investment 2620 2.51% 3492 3.33% 2698 2.62% 78 8 2.98% 104572 100% 104783 100% 103036 100% -1536 -1.47% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 14#15TAN fogether we can Balance Sheet-Liabilities & Assets G20 2023 INDIA Amt in Crore Dec'22 SI. Parameters Dec'21 Mar'22 Sep'22 CAPITAL & LIABILITIES 1 Capital 2202 2202 2 Reserves and Surplus 94815 93285 3 Deposits 1127317 1146219 2202 96554 1193501 2202 97213 1210359 4 Borrowings 54257 45681 58660 65470 5 Other Liabilities and Provisions 26258 27418 25341 26553 Total Liabilities 1304849 1314805 1376258 1401797 pnb ASSETS 1 Cash and Balances with RBI 103893 85736 73518 85257 2 Balances with Banks 44752 46911 49513 42531 3 Investments 379762 372168 393925 390035 4 Loans & Advances 692807 728186 773403 800412 50 Fixed Assets 10700 10673 12208 12171 6 Other Assets 72935 71131 73691 71391 Total Assets 1304849 1314805 1376258 1401797 Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 15#16TAN fogether we can Income G20 2023 INDIA loის Amt in Crore Q3 Q2 Q3 QoQ Variation YoY Variation SI. Parameters 9M22 9M23 YoY Gr. % FY22 FY23 FY23 Amt. % Amt. % 1 Interest Income (2+3+4) 19325 20154 22384 2230 11.1% 3059 15.8% 56234 61295 9.0% 2 Interest on Advances 12734 13550 14868 1318 9.7% 2134 16.8% 36445 40676 11.6% 3 Interest on Investments 5815 6111 6542 431 7.1% 727 12.5% 17582 18573 5.6% 4 Other Interest Income 776 494 975 481 97.3% 199 25.6% 2207 2047 -7.2% 5 Other Income (6+7+8+9) 2701 2847 3338 491 17.2% 637 23.6% 9870 8722 -11.6% of which 6 Fee Based Income 1224 1307 1331 24 1.9% 107 8.8% 3890 4389 12.8% Recovery in Written off 7 653 1100 1868 768 69.8% 1215 186.0% 2561 4293 67.6% Accounts 8 Treasury income 821 102 131 29 28.8% -690 -84.0% 3376 -299 -108.9% of which 8.1 Profit on Sales on Investments 614 160 110 -50 -31.1% -504 -82.0% 2780 843 -69.7% 8.2 Profit on Exchange Transaction 196 100 238 138 137.9% 42 21.4% 453 642 41.7% Profit/(Loss) on Revaluation 8.3 11 -158 -217 -59 -228 143 -1784 of Investment 9 Others 3 339 8 10 Total Income (1+5) 22026 23001 25722 -331 2721 11.8% 5 3696 43 340 16.8% 66104 70018 5.9% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 16#17TAN fogether we can SI. Fee Based Income G20 2023 INDIA loის Amt in Crore Q3 Q2 Q3 QoQ Variation YoY Variation 9M 9M Parameters YoY Gr. % FY22 FY23 FY22 FY23 FY23 Amt. % Amt. % 1224 1307 1331 24 1.9% 107 8.8% 3890 4389 12.8% Fee Based Income Service Charges 1 667 702 736 35 4.9% 70 10.5% 1889 2244 18.7% (Bills, Remittance, ATM etc) 2 Non Fund Based Income 136 124 140 16 12.7% 4 2.6% 376 374 -0.6% 3 Processing Fees 130 166 114 -53 -31.6% -16 -12.4% 779 810 4.0% 4 Income from Insurance & MF 110 108 114 6 5.4% 4 3.4% 269 294 9.2% 5 Govt. Business 50 64 46 -18 -28.1% -4 -8.7% 136 149 9.3% 6 Locker Rent 35 51 45 -6 -10.9% 10 28.5% 160 203 26.5% 7 Miscellaneous Fee Income 96 93 137 44 47.8% 41 42.3% 280 316 12.8% Highlights Business Financial Asset Quality Share/ Capital Digitalization ESG/ Network/FI/GB/RRB Award Page 17#18TAN fogether we can Expenses G202 भारत 2029 INDIA |აის Amt in Crore Q3 Q2 Q3 QoQ Variation YoY Variation SI. Parameters 9M22 9M23 YoY Gr. % FY22 FY23 FY23 Amt. % Amt. % 1 Total Interest Paid (2+3+4) 11522 11883 13205 1322 11.1% 1683 14.6% 34844 36303 4.2% 2 Interest Paid on Deposits 10804 11022 12113 1091 9.9% 1309 12.1% 32693 33562 2.7% 3 Interest Paid on Borrowings 114 209 406 197 94.4% 292 256.4% 384 792 106.3% 4 Others 605 652 686 34 5.2% 81 13.4% 1766 1949 10.3% 5 Operating Expenses (6+7) 5428 5551 6801 1250 22.5% 1373 25.3% 15763 17053 8.2% 6 Establishment Expenses 3311 3233 4460 1227 38.0% 1149 34.7% 9683 10239 5.7% Of which Employee Benefit 499 467 1330 863 184.8% 831 166.5% 1548 1635 5.6% (AS-15) 7 Other Operating Expenses 2117 2318 2341 23 1.0% 224 10.6% 6080 6813 12.1% 80 Total Expenses (1+5) 16950 17434 20006 2572 14.8% 3056 18.0% 50607 53355 5.4% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 18#19TAN fogether we can Profit & Provisions G20 2023 INDIA |თის Amt in Crore Q3 Q2 Q3 QoQ Variation YoY Variation SI. Parameters 9M22 9M23 YoY Gr. % FY22 FY23 FY23 Amt. % Amt. % 1 Net Interest Income 7803 8271 9179 908 11.0% 1376 17.6% 21390 24993 16.8% 2 Other Income 2701 2847 3338 491 17.2% 637 23.6% 9870 8722 -11.6% 3 Operating Income (1+2) 10504 11118 12517 1399 12.6% 2013 19.2% 31260 33715 7.9% 4 Operating Expenses 5428 5551 6801 1250 22.5% 1373 25.3% 15763 17053 8.2% 5 Operating Profit 5076 5567 5716 149 2.7% 640 12.6% 15497 16662 7.5% 60 Provisions other than Tax 3354 4906 4713 -193 -3.9% 1359 40.5% 11594 14410 24.3% Of which a NPAS 3654 3556 3908 352 9.9% 254 7.0% 9595 12278 28.0% Standard Assets incl. b -120 694 469 -225 -32.4% 589 -490.8% 1620 885 -45.4% Standard Restructured Depreciation on Investment C 11 430 -136 -566 -131.6% -147 -1336.1% 249 443 78.0% (NPI) d Others -192 226 472 246 109.0% 664 -346.0% 130 803 517.9% 7 Profit Before Tax 1723 661 1003 342 51.7% -720 -41.8% 3903 2252 -42.3% 8 Provision for Income Tax 596 250 374 124 49.5% 9 Net Profit 1127 411 629 218 53.0% -222 -498 -37.3% 648 904 39.5% -44.2% 3255 1349 -58.6% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 19#20TAN fogether we can Profitability Ratios G20 2023 INDIA Lenb Q3 Q2 Q3 Sl. Profitability Ratios 9M22 FY 22 9M23 FY22 FY23 FY23 1 Return on Assets [%] 0.34% 0.12% 0.17% 0.32% 0.26% 0.13% 2 Return on Equity [%] 7.34% 2.56% 3.85% 7.43% 5.96% 2.85% 3 Earnings per share [*] (Not annualized) 1.02 0.37 0.57 2.98 3.16 1.22 4 Book Value per Share [*] 80.96 81.32 81.93 80.96 79.59 81.93 5 Book Value per Share-Tangible [*] 55.09 58.39 59.36 55.09 54.77 59.36 6 Cost to Income Ratio [%] 51.67% 49.93% 54.34% 50.43% 49.38% 50.58% 6a Staff Cost to Income Ratio [%] 31.52% 29.07% 35.63% 30.98% 28.87% 30.37% 6b Other Cost to Income Ratio [%] 20.15% 20.85% 18.70% 19.45% 20.51% 20.21% 7 Operating Profit to AWF [%] 1.51% 1.59% 1.59% 1.54% 1.55% 1.60% 8 Operating Expenses To AWF [%] 1.61% 1.59% 1.89% 1.56% 1.51% 1.64% Highlights Business Financial Asset Share/ Quality Capital ESG/ Digitalization Network/FI/GB/RRB Award Page 20#21TAN fogether we can 3.94% Cost of Deposits [%] 4.00% 3.90% 3.93% 4.15% 4.15% Dec'21 (Q3) Sept'22 (Q2) Global Domestic Efficiency Ratios (Quarter) (Annualized) Cost of Funds [%] NIM [%] 3.51% 3.42% 3.40% 3.39% G20 2023 INDIA Lpnb 3.66% 3.60% 2.93% 3.01% 3.11% 3.30% 3.16% 3.00% Dec'22 (Q3) Dec'21 (Q3) Sept'22 (Q2) Dec'22 (Q3) Dec'21 (Q3) Global Domestic Yield on Advances [%] 7.11% 7.29% 7.35% Yield on Funds [%] 6.21% 6.21% 7.08% 7.23% 6.91% 5.73% 5.87% 5.77% 5.81% Dec'21 (Q3) Sept'22 (Q2) Global Domestic Highlights Sept'22 (Q2) Global Domestic Dec'22 (Q3) Yield on Investment [%] 6.56% 6.58% 6.62% 6.51% 6.28% 6.24% Dec'22 (Q3) Dec'21 (Q3) Sept'22 (Q2) Dec'22 (Q3) Dec'21 (Q3) Sept'22 (Q2) Dec'22 (Q3) Global Domestic Global Domestic Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 21#22TAN fogether we can Cost of Deposits [%] Efficiency Ratios (9M) (Annualized) Cost of Funds [%] 4.00% 4.06% 3.85% 3.89% 3.95% 3.98% 3.45% 3.54% 3.40% 3.41% NIM [%] G20 2023 INDIA Lpnb 3.49% 3.48% 2.68% 2.75% 2.91% 3.00% 3.00% 3.12% Dec'21 (9M) Sep'22 (HY) Global Domestic Yield on Advances [%] Dec'22 (9M) Dec'21 (9M) Sep'22 (HY) Dec'22 (9M) Dec'21 (9M) Sep'22 (HY) Dec'22 (9M) Global Domestic Global Domestic Yield on Funds [%] Yield on Investment [%] 6.81% 6.97% 6.88% 6.70% 6.89% 7.04% 5.57% 5.70% 5.72% 5.77% 5.89% 5.92% 6.24% 6.30% 6.44% 6.50% 6.48% 6.54% Dec'21 (9M) Sep'22 (HY) Dec'22 (9M) Dec'21 (9M) Global Domestic Sep'22 (HY) I Global Domestic Dec'22 (9M) Dec'21 (9M) Sep'22 (HY) Dec'22 (9M) Global Domestic Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 22#23TAN fogether we can Business per Employee Productivity Ratios (Annualized) Business per Branch 2055 2001 1941 1883 G20 भारत 2023 INDIA |თის Amt in Lakhs 20074 19719 18773 18024 Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 Mar'22 Sept'22 Dec'22 Operating Profit per Employee 22.3 21.9 21.0 23.1 Operating Profit per Branch 211.4 201.0 220.0 225.6 Dec'21 (Q3) Mar'22 (Q4) Sept'22 (Q2) Dec'22 (Q3) Dec'21 (Q3) Mar'22 (Q4) Sept'22 (Q2) Dec'22 (Q3) Highlights Business Financial Asset Quality Share/ Capital ESG/ Digitalization Network/FI/GB/RRB Award Page 23#24TAN fogether we can OTR 1 One Time Restructuring (OTR 1 & 2) As per RBI's guidelines dated Aug 06,2020 OTR 2 As per RBI's guidelines dated May 05,2021 G20 2023 INDIA |თის Amt in Crore Position as on 31.12.22 Position as on 31.12.22 SI. Loan and aggregate exposure category under OTR 1 Loan and aggregate under OTR 2 SI. No. of Amount exposure category accounts involved No. of accounts Amount involved 1 Personal loans 4273 609 1 Individual Borrowers 59248 4931 2 Other Exposures* 252 2303 2 Small Business 2628 780 3 Total (1+2) 4525 2912 3 Total (1+2) 61876 5711 4 MSME loans 2195 351 4 MSME loans 51246 3351 Grand Total (3+4) 6720 3263 Grand Total (3+4) 113122 9062 *Other Exposures includes corporate loans >Rs. 25 Crore as per RBI guidelines. Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page | 24#25TAN fogether we can RETAIL Improving Asset Quality -SMA 2 Accounts ( > Rs.5.00 Crore) G20 2023 INDIA loის Amt in Crore Dec'21 Sept❜22 Dec'22 CATEGORY % of Domestic SMA2 SMA2 Advances % of Domestic Advances SMA2 % of Domestic Advances 161 0.12% 82 0.01% 46 0.01% AGRICULTURE 404 0.30% 332 0.04% 260 0.03% MSME 1715 1.35% 1277 0.16% 1107 0.13% RAM TOTAL 2280 0.57% 1691 0.21% 1413 0.17% CORPORATE & OTHER 814 0.24% 379 0.05% 326 0.04% TOTAL 3094 0.42% 2070 0.26% 1739 0.21% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page | 25#26TAN fogether we can 12.88% Gross NPA% Improving Asset Quality PCR%- (Incl. TWO) 85.17% 83.96% 11.78% 81.85% 81.60% 10.48% 9.76% G20 2023 INDIA Lenb Credit Cost (Annualized) 2.45% 1.97% 1.76% 1.87% Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 Mar'22 Sept'22 Dec'22 Dec'21 (Q3) Mar'22 Sept'22 Dec'22 (Q4) (Q2) (Q3) Net NPA% 4.90% 4.80% 3.80% 65.17% 3.30% PCR%- (Excl. TWO) 68.46% 66.28% Slippages(Fresh Addition) Ratio 6.47% (Annualized) Dec'21 62.24% 3.11% 3.34% 2.17% Dec'21 Mar'22 Mar'22 Sept'22 Dec'22 Sept'22 Dec'22 Dec'21 Mar'22 Sept'22 Dec'22 (Q3) (Q4) (Q2) (Q3) Highlights Business Financial Asset Quality Share/ ESG/ Digitalization Network/FI/GB/RRB Capital Award Page 26#27TAN fogether we can Movement of NPA Q3 FY'22 G20 2023 INDIA pnb Amt in Crore SI. Parameters 9M FY'22 Q2 FY'23 Q3 FY'23 9M FY'23 1 NPA as at the beginning of Year/Quarter 100291 104423 90167 87035 92448 2 -Cash Recovery 2009 7826 3989 1820 7956 3 -Up-gradation 1995 5798 2508 1328 4399 4 Cash Recovery & Up-gradation (2+3) 4004 13624 6497 3148 12355 5 Write Off 3435 11174 2614 4375 10488 6 Total Reduction (4+5) 7439 24798 9112 7523 22843 7 Fresh Addition (8+9) 4407 17633 5979 4072 13979 8 -Fresh slippages 3431 14857 5301 3865 12380 9 -Debits in existing NPA A/cs 976 2777 678 206 1599 10 Gross NPAs at end of the period 97259 97259 87035 83584 83584 11 Eligible Deductions incl. Provisions 63380 63380 57687 57221 57221 12 Net NPAs at end of the period 33879 33879 29348 26363 26363 13 Recovery in TWO & RI* 1202 3969 2068 2887 6724 14 Total Recovery (4+13) 5206 17593 8565 6035 19079 *Recovery in TWO & RI has been re-aligned. Highlights Business Financial Asset Share/ Quality Capital ESG/ Digitalization Network/FI/GB/RRB Award Page 27#28TAN fogether we can NPA Classification - Sector Wise pnb Dec '22 G20 2023 INDIA Amt in Crore Dec '21 Sept'22 SI. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 134885 6586 4.88% 155409 6118 3.94% 179984 6088 3.38% Out of which Housing 83483 3618 4.35% 84568 3422 4.05% 88098 3348 3.80% Car/Vehicle 11542 559 4.84% 24038 574 2.39% 34577 563 1.63% Personal Loan 11257 265 2.35% 14294 241 1.69% 17600 236 1.34% 2 Agriculture 136449 23718 17.38% 140303 27019 19.26% 138201 26644 19.28% 3 MSME 126969 26910 21.19% 130218 25231 19.38% 124728 24996 20.04% 4 Corporate & Others 336069 38235 11.38% 370909 26910 7.26% 378202 24142 6.38% 50 Domestic (1+2+3+4) 734372 95449 13.00% 796839 85278 10.70% 821115 81870 9.97% 6 Overseas 20934 1810 8.65% 33373 1757 5.26% 35642 1714 4.81% 7 Global (5+6) 755306 97259 12.88% 830212 87035 10.48% 856757 83584 9.76% Highlights Business Financial Asset Quality Share/ Capital Digitalization ESG/ Network/FI/GB/RRB Award Page 28#29TAN fogether we can Dec '21 NPA Classification- Industry Wise SI. Diversified Industry Portfolio G20 भारत 2023 INDIA Amt in Crore |თის Sept'22 Dec '22 O/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure 105156 12413 11.8% 103133 7654 7.4% 91831 5333 5.8% -Energy -Tele-Communication 40446 3712 9.2% 45365 3273 7.2% 38814 1144 2.9% 14961 3377 22.6% 10187 14 0.1% 9259 14☐ 0.2% -Roads & Ports 37434 4039 10.8% 40257 3358 8.3% 36497 3029 8.3% -Other Infra 12315 1285 10.4% 7324 1009 13.8% 7261 1145 15.8% Basic Metal & Metal 2 20947 2163 10.3% 23602 1529 6.5% 23138 1394 6.0% Products -Iron & Steel 16944 1141 6.7% 20356 1060 5.2% 19973 945 4.7% 3 Textiles 13046 2988 22.9% 10642 1959 18.4% 10312 1893 18.4% 4 Food Processing 20591 5243 25.5% 18794 4686 24.9% 18472 4384 23.7% Chemical & Chemical 5 10723 539 5.0% 7077 353 5.0% 5712 312 5.5% Products 6 Other Industries 54925 17744 32.3% 59159 15424 26.1% 65607 15486 23.6% Total 225388 41090 18.2% 222407 31605 14.2% 215072 28803 13.4% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 29#30TAN fogether we can Asset Classification- Global Advances G20 2023 INDIA |თის Amt in Crore Dec'21 Sept❜22 Dec'22 YoY Variation SI. Parameters o/s Share% o/s Share% o/S Share% Amt. Var. % 1 Standard 658047 87.12% 743177 89.52% 773173 90.24% 115126 17.50% 2 Gross NPA 97259 12.88% 87035 10.48% 83584 9.76% -13675 -14.06% 2a Sub-Standard 18831 2.49% 14165 1.71% 14229 1.66% -4602 -24.44% 2b Doubtful 2c Loss 57606 7.63% 50647 6.10% 46914 5.48% -10692 -18.56% 20822 2.76% 22222 2.68% 22440 2.62% 1618 7.77% Global Advances (1+2) 755306 100% 830212 100% 856757 100% 101451 13.43% Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 30#31TAN fogether we can SI. 1 RBI list 1 Parameters 2 RBI list 2 3 Filed by PNB 4 Filed by Others 5 Total Exposure to NCLT accounts As on 31.12.2022 Accounts Balance Provision G20 2023 INDIA PCR% Lpnb Amt in Crore 04 3740 3740 100.0% 09 4462 4462 100.0% 131 9000 8987 99.8% 415 48852 48575 99.4% 559 66054 65763 99.6% 100.0% 100.0% 99.8% 99.4% 99.6% 66054 48852 3740 4462 9000 RBI list 1 RBI list 2 Filed by PNB Balance Filed by other Lenders Provision Coverage% Total Highlights Business Financial Asset Quality Share/ Digitalization Capital Network/FI/GB/RRB ESG/ Award Page 31#32TAN we can Total No. of Shares: 1101.10 Crores Share Holding and Ratings fogether Mutual Funds 4.08% Fls/Banks/ Insurance FPIs Others 1.71% 1.77% Resident Individual 10.39% Moody's Credit Rating Ba1/NP/Stable Previous Rating Baa3/P-3/ Stable Upgraded Rating OF 8.90% Govt. of India 73.15% Fitch G20 2023 INDIA Issuer Credit Rating- BBB-/F3/Stable AA/Stable AA+/Stable Basel III Tier-II Bonds Rating S.N Rating Agency Additional Tier-1 Bonds Rating 1 CRISIL Ratings AA+/Stable 2 India Ratings AAA/Stable 3 CARE Ratings AA/Stable AA+/Stable 4 ICRA Ratings AA/Stable AA+/Stable Asset Share/ Business Financial Digitalization Network/FI/GB/RRB Quality Capital ESG/ Award (Shareholding as on 31.12.2022) Highlights Lenb Page 32#33TAN fogether we can CRAR % Capital Adequacy G20 2023 INDIA bloის Amt in Crore 14.91% 14.50% 15.15% 14.74% Credit RWA/Gross Advances 2.69% 2.77% 2.54% 1.23% 1.32% 2.94% 1.37% Parameters Dec 21 Dec'22 YoY% 1.17% 64.3% Credit RWA 485634 527908 8.7% 61.6% Market RWA 46199 37972 -17.8% 10.99% 10.56% 10.88% 10.84% Operational RWA 69628 70220 0.9% Total RWA 601461 636099 5.8% Dec'21 Mar'22 Sept'22 Dec'22 CET ATI Tier II Global Advances 755306 856757 13.4% Dec'21 Dec'22 SI. Parameters Dec'21 1 Tier I 1a Common Equity 1b Additional Tier I 2 Tier II 3 Total (Tier I+II) 89701 Mar'22 Sept'22 Dec'22 73505 70458 76036 77700 66077 63430 67831 68983 7428 7028 8205 8717 16196 16653 15823 18685 87111 91859 96385 Capital Raised in FY22-23 Type of Bonds Plan Board Approved Capital Capital raised till 31.12.22 Additional Tier-I Bonds 5500 3240 Tier-II Bonds 6500 4000 Total amounts of Bonds 12000 7240 Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 33#34TAN fogether we can % Digital Transactions Digital Transactions 93% 92% 94% 79% 79% 83% 83% 85% 68% 69% 21% 21% 7% 8% 6% Dec'21 (Q3) Mar'22 (Q4) June'22 (Q1) Sept'22 (Q2) Dec'22 (Q3) --Alternate Delivery Channel -Digital Transactions -Branch Transactions No. of Transactions (In Crore) G202 2023 INDIA Sharp Increase in UPI Transactions 56.37 68% 94.92 Dec'21 (Q3) Dec'22 (Q3) Highlights Business Financial Asset Quality Share/ Capital ESG/ Digitalization Network/FI/GB/RRB Award Page 34 pnb#35TAN fogether we can Key Highlights - Digital Banking Augmenting Digital Base Numbers (in Lacs) 28% YoY Growth in Mobile Banking Users 28% 389 303 Dec'21 Dec'22 No. of MBS users Highlights Numbers (in lacs) 22% YoY Growth in Internet Banking Users 22% 381 312 Dec'21 Dec'22 No. of IBS users Numbers (in lacs) G20 No. of transaction in PPF & SSA through IBS & MBS 1.27 Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB 42% 1.80 2023 INDIA Dec'21 Dec'22 No of Transactions ESG/ Award Page 35 pnb#36TAN fogether we can Revamped PNB One App SAFETY RING in PNB One & Internet Banking enables a customer to set limit on maximum withdrawal of funds ONE # Just one app Quick IMPS fund transfer without adding beneficiary Replacement of Transaction KYC Password with 4 digit TPIN Registration for PNB One using Aadhaar + OTP Consistent User interface patterns G20 pnb 2023 INDIA SCAN TO PAY OTP Waiver upto Rs. 5000/- in SCAN and PAY in PNB One. Scan & Pay SingCode Add/Update Nominee functionality in IBS/MBS Display of KYC Details- KYC Status, KYC Date, CKYC Number and KYC Due Date Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 36#37Empty#38TAN fogether we can Digital Banking- Way Forward G20 2023 INDIA pnb and ☐ Digitalization of Current Saving account opening journeys for driving quality CASA acquisition. Pre-Approved Housing Loan ☐ Online OD against FD to Agriculture Customer ☐ Digital lending against GST through PNB GST Express Loan. ☐ Digitally Kisan Tatal Rin upto Rs.50000/-. Tie-up with e-Commerce market place i.e Flipkart, Amazon etc. to finance under Buy Now Pay later option, offers etc. ☐ Tie-ups/Partnerships with Four Housing Loan Aggregators for Housing Loan Leads/Fulfilment Model. ☐ Implementation of Metaverse Technology in Bank. cash ☐ Interoperable cardless withdrawl (ICCW) at ATM's using UPI ☐ Mobile Banking facility for Corporate Customer Implementation of feature phone & voice based payment in UPI (UPI123) End to End Digitalization of Customer Journeys Partnerships Led Growth Upcoming Digital Initiatives of the Bank Highlights Business Financial Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 38#39TAN fogether we can As on 31.12.2022 9 1652 699 25 295 5 21 Branches ATM 114 (Domestic) 5 12957 BCS 22607 10,049 YoY : 20.43% 1,07,249 YoY : 34.80% 3,59,099 YoY : 34.05% 350 Delhi: 318 9190 40 295 7180 723 Distribution Network & Social Presence Total Touch Points :- 45613 f 17,11,000 in G20 2023 INDIA აის You Tube 68 1,06,000 YoY : 51.65% 1,14,878 40,100 YoY : 57.91% YoY : 223.39% 268 373 208 9. 1146 180 Population group Wise Branches 339 387 135 16 135 144 International Business Branches at:- Dubai and Gift City, Ahmedabad Joint Venture:- Nepal Subsidiaries:-London (UK) and Bhutan 1998 Representative Offices:- Myanmar and Bangladesh 20% States having 243 Branches 100 > 185 • Andaman & Nicobar (4) Daman & Diu (3) • Dadra and Nagar Haveli (2) Highlights Business Financial 1727 17% 3877 39% 2447 24% ■Rural ■Semi-Urban ■ Urban ■ Metro ESG/ Award Page 39 Asset Share/ Quality Capital Digitalization Network/FI/GB/RRB#40TAN fogether we can Driving Financial Inclusion Nos in lakhs Nos in lakhs Nos in lakhs Pradhan Mantri Suraksha Atal Pension Yojana Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 48.46 50.91 43.23 40.55 Bima Yojana (PMSBY) G20 2023 INDIA loის SLBC-6 25.86 202.32 23.76 194.61 20.10 LDMO- 112 17.71 180.64 170.53 Dec'21 Mar 22 Sept' 22 Dec'22 Dec'21 Mar 22 Sept'22 Dec'22 Dec'21 Mar'22 Sept 22 Dec'22 Nos in lakhs Amt in Crore Nos PMJDY Accounts Deposits Mobilized by BCs 450 19766 18729 441 16445 15464 No. of BCs 22607 20447 15719 12831 418 411 Rural Self Employment Training Institute (Rseti)- 76 ➤ Rural Development Dec'21 Mar 22 Sept'22 Dec'22 Dec 21 Mar 22 Sept'22 Dec'22 Dec 21 Mar 22 Sept'22 Dec'22 Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB centre- 2 Financial Literacy Centre- 175 Farmer Training Centre - 12 Villages adopted for holistic development - 305 ESG/ Award Page 40#41TAN fogether we can Subsidiaries Domestic Group Structure of the Bank PNB G20 भारत 2023 INDIA Foreign Domestic 1. PNB Cards & Services Ltd. - 100% 1. PNBIL, London - 100% 1. PNB Housing Finance Ltd - 32.53% 2. PNBISL -100% 2.DRUK PNB Bank Ltd, Bhutan - 51% 2. PNB MetLife India Insurance Co. Ltd - 30% 3. PNB Gilts Ltd - 74.07% 3. Canara HSBC Life Insurance Co. Ltd (CHOICE)-23% 4. India SME Asset Reconstruction Co. Ltd (ISARC) 20.90% Associates & Joint-Venture Foreign RRB 35% stake in each one:- მაის 1. Dakshin Bihar Gramin Bank Everest Bank, Nepal- 20.03% 2. Sarva Haryana Gramin Bank 3. Himachal Pradesh Gramin Bank 4. Punjab Gramin Bank 5. Prathama UP Gramin Bank 6. Assam Gramin Vikash Bank 7. Bangiya Gramin Vikash Bank 8. Tripura Gramin Bank 9. Manipur Rural Bank ESG/ Award Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB Page 41#42fogether we can Performance of Subsidiaries, Associates, Joint Venture & RRB G20 Performance of Subsidiaries, Associates & Joint Venture Name of the entity 2023 INDIA Amt in Crore Performance of RRBs Lenb TAN Results (3/6/9/12 M) Total Income Total Gross Net Expenses Profit Profit Consolidated Position Dec'21/ Dec'22/ 9M FY'22 9M FY'23 PNB Housing Finance Ltd Dec 22 (9M) 4892 3874 1018 ☐ 767 PNB Investment Services Ltd. Dec 22 (9M) 6.04 3.75 2.29 1.71 Business 179710 193241 PNB Cards & Services Limited PNB Gilts Ltd. Dec 22 (9M) 4.36 3.10 1.26 1.07 Dec 22 (9M) 921 1023 -103 -91 PNB MetLife India Insurance Co. Ltd Dec'22 (9M) 7244 7141 103 94 Loans and advances 63052 69350 Canara HSBC Life Insurance Co. Ltd Dec 22 (9M) 5656 5584 72 62 Deposits 116658 123891 PNB (International) Ltd. (London) Mar'22 (12M) 321 228 93 (FY: 1st April to 31st March) 60 60 Capital India SME Asset Reconstruction Co. Ltd Sept 22 (6M) 4.93 1.67 3.26 1.96 9.71 12.02 Adequacy Ratio Druk PNB Bank Ltd. (Bhutan) Dec 21 (12M) 147 124 37 23 (FY: 1st January to 31st December) Everest Bank Ltd. (Nepal) (FY: 16th July to 15th July) Operating profit 1526 2128 July'22 (12M) 1085 863 222 155 Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page | 42#43fogether TAN we can shutterstock.com-1212035527 Environmental Sustainable financing for Renewable energy and Electric vehicle. *9500 Cr+ loans (Outstanding) to renewable energy sector Sanctioned around 28 Cr under PM Kusum scheme to add solar capacity. Sanctioned under Green financing of Retail segment is * 200 Cr. Assessing the “Environmental” aspects while loan origination via Internal Rating Models Installed 300 KW roof top solar power plants across various office buildings Procurement of BEE star-rated energy efficient electrical & electronic equipment's. Energy Efficient Measures adopted by bank & PNB Head Office Dwarka rated 5 Star By GRIHA Council. Highlights Bank's ESG Highlights mu & 0000 Social 24% Women employees in total workforce. 175 FLCS conducted seminars programs and provided training to 249400 persons during 9MFY'23 76+ RSETIS imparting training to rural population. 38068 candidates trained during 9M FY23. Under CSR policy, bank had taken various initiatives for disadvantaged and social strata of the society. W=W OOOOOO 000000 ESG ENVIRONMENTAL, SOCIAL GOVERNANCE 000000 -vector- لا G20 2023 INDIA Governance სიის accountable Fair, transparent & ✗Corporate Governance structure. RISK Proper customer grievances redressal mechanism in place for Timely & Faster resolution of Grievances. Portal and Compliance Monitoring Tool. Full, fair, accurate, sensible, timely and meaningful disclosures in the periodic reports. HR Transformation. Succession Planning. Counselling and Grievance redressal of employees. New Enterprises Fraud Risk for prevention of unauthorized Management (EFRM) electronic banking transactions. Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 43#44TAN fogether we can ER ence. TNER any Punjab National Bank IBA Technology Conference, Expo & Awards Kumar Goe Awards & Accolades PLA Best Fintech Collaboration Runner Up Best L Bank- Sp 2 PNB bagged Wondrous warrior Award in Winning Wednesday campaign for the month of November 2022. 1 G20 2023 INDIA pnb At the 18th Annual Banking Expo and Awards 2022, PNB was felicitated with Runner-up award for Best Fintech Collaboration ✰ A special award for Best Al & ML Bank 3 PNB was felicitated with "Award of Excellence" launched by PFRDA for APY enrolment. "PNB becomes the First Public Sector Bank to launch Credit Card Against Fixed Deposits digitally" Highlights Business Financial Asset Quality Share/ Capital Digitalization Network/FI/GB/RRB ESG/ Award Page 44#45TAN fogether e can we Disclaimer G20 2023 INDIA loის "This presentation has been prepared by Punjab National Bank (the "Bank"), solely for general information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Except for the historical information contained herein, statements in this presentation which contain words or phrases such as "is", "aims", "will", "would", "indicating", "expected to", "guidance", "way forward", "expected", "estimate", "objective", "goal", "strategy", "philosophy", "project" etc. and similar expressions or variations of such expressions may constitute 'forward-looking statements'. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. Although forward looking statements, contained in this presentation are based upon what Bank believes are reasonable assumptions but these risks and uncertainties include, dynamic and complex internal and external environment, including but not limited to market, business, legal risks/changes in law etc., having bearing on bank's ability to successfully implement its strategy, future levels of non-performing loans, its growth and expansion in business, the impact of any acquisitions, the adequacy of its allowance for credit losses, its provisioning policies, technological implementation and changes, the actual growth in demand for banking products and services, investment income, cash flow projections, bank's exposure to market risks as well as other risks. Punjab National Bank undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: "All financial figures in the presentation are from Audited Financials/Limited Reviewed financials and/or upon the forward looking statements based on Management estimates. Any reliance on such financials by anyone shall be at their own risk/responsibility and bank shall not be liable for any loss/gain to anyone in any manner whatsoever." Page | 45#46TAN fogether we can To improve is to change, to be perfect is to change often Revamped PNB One App Update your current version or scan the code to download now 8 1 G2 2023 INDIA Thank You იის Page 46