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FINANCIAL RESULTS Q2 FY 2027 16th October 2026 Follow our Official Page: www.pnb.bank.in
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Contents 2 3-8 Macro Economy & Performance Highlights Business Performance 9-19 20-26 Financial Performance Asset Quality 27-32 Shareholding & Capital Digitalisation & Analytics 35-38 39-42 HR, Network, Group Business & RRBs ESG, Awards & Guidance 43-4733-34
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3 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 1.19 2.18 3.98 8.36 9.88 9.97 9.78 9.92 11.39 2.74 3.21 3.40 3.48 3.93 4.38 4.45 4.83 5.54 WPI (YoY, %) CPI (YoY,%) Indian Economy Growth Holds Firm Amid External Headwinds Source : IMF WEO (Oct’26), MoSPI, MoCI (GoI), RBI, SIAM; FY – Financial Year FY27 GDP Projections Revised Upwards (%) 6.6 6.7 6.3 6.4 6.6 7.1 7.1 7.1 7.0 7.0 World Bank RBI OECD IMF ADB Earlier Projection Latest Projection (Oct’26) Inflation Inches Up & RBI Policy Pivots to Tightening RBI's Projected CPI Inflation Q3 FY'27 6.0% Q4 FY'27 5.7% FY'27 5.2% Major Headwinds Uneven Global Recovery IMF lifts 2026 world growth to 3.1% (Oct’26), but EMDEs slow to 3.7% and global inflation stays elevated at 4.7% Geopolitical Uncertainties Renewed West Asia conflict keep energy supplies and trade routes at risk Crude Oil Volatility Volatile Crude Prices, Current Account Deficit & Imported Inflation Inflationary Pressures Second-round effects of high crude prices and El Niño posing upward pressures PILLARS OF INDIA'S GROWTH Consumption ▪ High-frequency indicators shows positive momentum and robust festive demand ▪ Gross GST collections up by 11.6% YoY in H1 FY27 ▪ Auto sales up by 20% YoY in H1 FY27, SIAM expects continued momentum in H2 FY27 Investment & Services ▪ Q1 FY27 momentum in Manufacturing (+9.2%), Construction (+7.7%) sustaining on back of robust capacity utilization and planned public and private investment ▪ Strong software, business and financial services driving growth Banking Sector ▪ Bank Credit growth at 19.4% and Deposits growth at 17.8% YoY as of 30th Sep'26 ▪ Broad-based growth across Agri, Industry, Services & Personal loans ▪ Stable Asset Quality & Adequate Capital External Sector ▪ Merchandise exports maintain growth trend up by 18.5% and in H1 FY27 ▪ Forex reserves at $734.6 Bn (2nd Oct'26), sufficient import cover for 11 months ▪ Adequate buffer against external shocks
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Data for Q2 FY’27 ₹ 5,532 Cr NET PROFIT +12.8% YoY ROA% BOOK VALUE PER SHARE (TANGIBLE) OPERATING PROFIT 1.05% ₹ 111.94 ₹ 7,532 Cr - +16.7% YoY +4.2% YoY 2.55% GNPA % -90 bps YoY NNPA % PCR (Inc. TWO) % 0.25% 97.32% -11 bps YoY +41 bps YoY ₹ 31,18,434 Cr GLOBAL BUSINESS +11.9% YoY GLOBAL DEPOSITS GLOBAL ADVANCES RAM ADVANCES ₹ 17,77,240 Cr ₹ 13,41,194 Cr ₹ 7,21,996 Cr +9.9% YoY +14.7% YoY +13.6% YoY 4 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award SMA 2 (> ₹5 Cr.) % of Domestic Advances -8 bps YoY 0.09%
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Profitability 6853 6621 6776 7081 7227 7481 7500 7519 7532 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Operating Profit 4303 4508 4567 1675 4904 5100 5225 5253 5532 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Net Profit 1.02% 1.03% 1.02% 0.37% 1.05% 1.06% 1.06% 1.04% 1.05% Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Return on Assets (%) (Annualized) 10517 11032 10757 10578 10469 10533 10380 10798 11601 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Net Interest Income 5 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Amt ₹ in Crore
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Profitability 3.90 3.92 3.97 1.46 4.27 4.44 4.55 4.57 4.81 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Earning Per Share (₹) (Not Annualized) 79.18 82.75 84.83 92.64 95.92 101.89 102.95 108.58 111.94 98.47 102.02 103.36 105.23 108.57 114.09 114.77 119.91 123.64 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Book Value Per Share - Tangible Book Value Per Share - Total 6 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 16.36% 15.41% 17.01% 17.50% 17.19% 16.77% 17.74% 18.13% 17.95% 11.59% 10.65% 12.33% 12.95% 12.75% 12.52% 13.62% 14.52% 14.44% Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 CRAR CET 1 % 19.91% 19.22% 19.23% 6.59% 17.95% 17.80% 18.00% 17.33% 17.32% Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Return on Equity - Tangible (%) (Annualized)
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Asset Quality 4.48% 4.09% 3.95% 3.78% 3.45% 3.19% 2.95% 2.78% 2.55% Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Gross NPA% 0.46% 0.41% 0.40% 0.38% 0.36% 0.32% 0.29% 0.28% 0.25% Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Net NPA% Amt ₹ in Crore 47582 45414 44082 42673 40343 39314 37124 35381 34190 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Gross NPA Amount 4674 4437 4291 4132 4026 3834 3610 3433 3313 Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Net NPA Amount 7 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Asset Quality Amt ₹ in Crore 96.67% 96.77% 96.82% 96.88% 96.91% 96.99% 97.14% 97.23% 97.32% 90.18% 90.23% 90.27% 90.32% 90.02% 90.25% 90.28% 90.30% 90.31% Sept'24 Dec'24 Mar'25 June'25 Sept'25 Dec'25 Mar'26 June'26 Sept'26 PCR%- (Incl. TWO) PCR%- (excl TWO) 2181 1774 3001 1886 1955 1901 2758 2080 2395 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Slippages(Fresh Addition) Amount 8 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 0.89% 0.69% 1.14% 0.71% 0.71% 0.67% 0.94% 0.68% 0.77% Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Slippage Ratio (Annualized) 0.08% 0.12% 0.21% 0.14% -ve 0.46% 0.30% 0.25% 0.25% Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27 Credit Cost (Annualized)
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Business Mix Sl. Parameters Sept’25 June’26 Sept’26 Growth % QoQ YoY 1 Global Business 2786673 2997970 3118434 4.0% 11.9% 1a Overseas Business 104805 123933 149511 20.6% 42.7% 1b Domestic Business 2681867 2874037 2968923 3.3% 10.7% 2 Global Deposits 1617080 1724837 1777240 3.0% 9.9% 2a Overseas Deposits 53098 54660 65400 19.6% 23.2% 2b Domestic Deposits 1563982 1670177 1711840 2.5% 9.5% 3 Global Advances 1169592 1273132 1341194 5.3% 14.7% 3a Overseas Advances 51707 69273 84110 21.4% 62.7% 3b Domestic Advances 1117885 1203859 1257083 4.4% 12.5% 4 CD Ratio 72.3% 73.8% 75.5% Amt ₹ in Crore 9 27.87 28.92 29.70 29.98 31.18 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Global Business (In Rs. Lakh Crore) 16.17 16.60 17.11 17.25 17.77 11.70 12.31 12.59 12.73 13.41 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Global Deposits Global Advances Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Deposits Amt ₹ in Crore 0.83 (4.9%) 5.43 (31.7%)10.86 (63.4%) Domestic Deposit Mix – Sept’26 Current Deposits Savings Deposits Term Deposits (In Rs. Lakh Crore) 10 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Sl. Parameters Sept’25 June’26 Sept’26 Growth % QoQ YoY 1 Global Deposits (2+3) 1617080 1724837 1777240 3.0% 9.9% 2 Overseas Deposits 53098 54660 65400 19.6% 23.2% 3 Domestic Deposits 1563982 1670177 1711840 2.5% 9.5% 4 Current Deposits 74215 79318 83053 4.7% 11.9% 5 Savings Deposits 508964 533798 542893 1.7% 6.7% 5a Savings Individual 446267 472375 482601 2.2% 8.1% 5b Savings Institutional 62697 61424 60292 -1.8% -3.8% 6 CASA Deposits (4+5) 583178 613116 625945 2.1% 7.3% 7 Domestic CASA Share % 37.3% 36.7% 36.6% 8 Domestic Term Deposits 980804 1057061 1085895 2.7% 10.7%
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Advances Amt ₹ in Crore Sl. Parameters Sept’25 June’26 Sept’26 Growth % QoQ YoY 1 Global Advances (2+3) 1169592 1273132 1341194 5.3% 14.7% 2 Overseas Advances 51707 69273 84110 21.4% 62.7% 3 Domestic Advances 1117885 1203859 1257083 4.4% 12.5% Out of which 4 Retail 272210 285880 296925 3.9% 9.1% 4a Retail excluding IBPC 233532 257064 271565 5.6% 16.3% 5 Agriculture 183987 199582 210451 5.4% 14.4% 5a Agriculture PS 144905 161668 171156 5.9% 18.1% 6 MSME 179220 203025 214619 5.7% 19.8% 7 RAM (4+5+6) 635417 688487 721996 4.9% 13.6% 8 RAM Share % 56.8% 57.2% 57.4% 9 Corporate & Others 482468 515372 535088 3.8% 10.9% 2.97 (23.6%) 2.10 (16.7%) 2.15 (17.1%) 5.35 (42.6%) Domestic Credit Mix – Sept’26 Retail Agriculture MSME Corporate & Others 11 (In Rs. Lakh Crore) Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Retail Advances Amt ₹ in Crore 124099 127364 129832 132840 141836 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Home Loan* YoY Gr.: 14.3% 29512 33458 35199 36599 38234 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Vehicle Loan* YoY Gr.: 29.6% 8902 9036 9070 9137 9514 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Education Loan YoY Gr.: 6.9% 233532 243608 251729 257064 271565 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Retail* YoY Gr.: 16.3% * Excluding IBPC 12 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Government Flagship Schemes As on Sept’26 Amt in Rs. Crore Q2 FY26 Q2 FY27 Sanctioned 5175 6306 Disbursed 5129 6269 No of Applications Amount Sanctioned (in Rs. Cr) 44103 429 Amt in Rs. Crore No. of A/c Amount Sanctioned 235415 4290 Disbursed 217361 3741 PM SURYA GHAR YOJANA Apr’26 to Sept’26 PM-VIDYALAXMI SCHEME As on Sept’26 Amt in Rs. Crore No. of A/c Amount Sanctioned 4663 629 Disbursed 2432 79 13 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Amt ₹ in Crore
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Financial Inclusion Performance Amt ₹ in CroreNos in lakhs Nos in Actual Nos in lakhs Nos in lakhs Nos in lakhs ➢ SLBC- 5 ➢ UTLBC-1 ➢ LDMO- 114 ➢ Rural Self Employment Training Institute (RSETI)- 80 ➢ Rural Development Centre (RDC)- 2 ➢ Financial Literacy Centre (FLC) - 163 ➢ Centre for Financial Literacy (CFL)- 342 ➢ Farmer Training Centre – 12 ➢ Villages adopted for holistic development - 307 81.18 85.43 92.74 95.72 99.75 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 50.96 53.27 57.19 59.77 62.69 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Atal Pension Yojana (APY) 320.97 332.72 351.05 357.00 370.56 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Pradhan Mantri Suraksha Bima Yojana (PMSBY) 550.75 560.51 571.84 573.46 582.78 Sept'25 Dec'25 Mar'26 June'26 Sept'26 PMJDY Accounts 32278 32809 33314 33284 32276 Sept'25 Dec'25 Mar'26 June'26 Sept'26 No. of BCs 35869 36931 40450 39597 42240 Sept'25 Dec'25 Mar'26 June'26 Sept'26 Deposits Mobilized by BCs 14 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Amt ₹ in Crore Advances Mix of Benchmark rate 49.51% 55.85% 56.51% 26.50% 23.41% 21.77% 9.31% 8.12% 8.84% 8.02% 5.97% 5.49% 6.66% 6.65% 7.39% Sept'25 June'26 Sept'26 Portfolio > Rs.25 Crore Sl. Rating Grade Sept’25 June’26 Sept’26 Amt. % Share Amt. % Share Amt. % Share 1 AAA 244978 51.7% 266250 52.3% 284149 52.4% 2 AA 93832 19.8% 98786 19.4% 110357 20.4% 3 A 75812 16.0% 76835 15.1% 79993 14.8% 4 BBB 31659 6.7% 33663 6.6% 33197 6.1% BBB & Above 446280 94.1% 475534 93.4% 507695 93.7% 5 BB 7271 1.5% 8311 1.6% 9509 1.8% 6 B 851 0.2% 738 0.1% 717 0.1% 7 C 242 0.1% 180 - 267 - 8 D 1170 0.3% 361 0.1% 330 0.1% BB & Below 9534 2.0% 9590 1.9% 10823 2.0% 9 Unrated 18309 3.9% 23843 4.7% 23461 4.3% Sub-Total 474123 100.0% 508967 100.0% 541979 100.0% Guarantee/Direct Claim on Central/State Govt 70051 12.9% (of Total Portfolio) 70006 12.1% (of Total Portfolio) 62378 10.3% (of Total Portfolio) Total Portfolio 544174 578973 604357 15 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Diversified Industry Portfolio & Energy Sector Amt ₹ in Crore Sl. Industry Sept’25 June’26 Sept’26 O/s % to Domestic Advances O/s % to Domestic Advances O/s % to Domestic Advances 1 Infrastructure 107598 9.6% 107394 8.9% 107818 8.6% -Energy 45479 4.1% 47793 4.0% 47157 3.8% -Tele-Communication 11043 1.0% 5919 0.5% 5691 0.5% -Roads & Ports 44697 4.0% 47399 3.9% 48509 3.9% -Other Infra 6379 0.6% 6283 0.5% 6461 0.5% 2 Basic Metal & Metal Products 21463 1.9% 21420 1.8% 25802 2.1% -Iron & Steel 18517 1.7% 18728 1.6% 22948 1.8% 3 Food Processing 20373 1.8% 22233 1.8% 20974 1.7% 4 Textiles 12232 1.1% 13232 1.1% 13455 1.1% 5 Chemical & Chemical Products 10820 1.0% 9450 0.8% 9452 0.8% 6 All Engineering 10460 0.9% 11253 0.9% 12758 1.0% 7 Construction 1993 0.2% 2276 0.2% 2264 0.2% 8 Petroleum 17232 1.5% 7318 0.6% 9966 0.8% 9 Other Industries 57556 5.1% 70599 5.9% 74257 5.9% Total 259727 23.2% 265175 22.0% 276747 22.0% Energy Sector External Rating Standard Portfolio 30.09.2026 : ₹ 47086 Cr 11021 23.4%9237 19.6% 19671 41.8% 1872 4.0% 801 1.7% 4484 9.5% External Rating wise Portfolio 16 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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NBFC Sector Key Sectors As on Sept’25 June’26 Sept’26 NBFC 183006 221717 227905 Out of which, NBFC- HFC 60990 72839 70698 NBFC- PSUs and PSU backed 41139 50609 49455 NBFC- Private 79952 97301 106789 NBFC- MFI 924 968 963 External Rating Wise Portfolio – As on 30.09.2026 AAA 165625 72.67% AA 59287 26.01% BBB & Below 174 0.08% BBB & Below 174 0.08% Total NBFC External Rating Wise Portfolio – As on 30.09.2026 A 2819 1.24% A 2819 1.24% AAA 56334 79.68% AA 14190 20.07% A 170 0.24% BBB& Below 4 0.01% AAA 46690 94.41% AA 884 1.79% A 1881 3.80% AAA 62601 58.10% AA 44213 41.03% A 767 0.71% BBB & Below 171 0.16% Private NBFCs + MFIs Housing Finance Companies PSUs & PSU backed AAA & AA comprises of 98.68% of the total portfolio Amt ₹ in Crore 17 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Investment Portfolio Amt ₹ in Crore Sl. Parameters Sept’25 June’26 Sept’26 1 Gross Domestic Investment 496450 481990 513289 2 SLR 367617 346707 381883 2a SLR as % to Dom. Investment (2/1) 74.05% 71.9% 74.4% 3 Non SLR 128833 135283 131406 4 Held To Maturity (HTM) 360125 347347 359777 4a HTM To Gross Domestic Investment (4/1) 72.54% 72.1% 70.1% 5 Available For Sale (AFS) 108875 110097 123962 6 Fair value through profit and loss (HFT) 9529 5916 10933 7 Fair value through profit and loss (Non HFT) 12316 13310 13298 8 Subsidiaries, Joint Venture & Associates (SBJVAS) 5605 5319 5319 9 Investment by Overseas Branches 8982 7299 6486 10 Total Gross Investment (1+9) 505432 489289 519775 11 Modified Duration (AFS+HFT) 3.55 3.25 3.90 12 Net demand & time Liabilities 1530483 1619580 1639809 18 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Non SLR Investment Amt ₹ in Crore Sl. Parameters Sept’25 June’26 Sept’26 O/S % Share O/S % Share O/S % Share 1 PSU Bonds 30820 23.9% 30215 22.3% 31953 24.3% 2 Corporate and Other Bonds & Debentures 17429 13.5% 15229 11.3% 16285 12.4% 3 Special Govt. Sec excl. Recap Bonds 488 0.4% 120 0.1% 119 0.1% 4 CG Recapitalisation Bond 55274 42.9% 55274 40.9% 55274 42.1% 5 Share of PSU/Corporate/Others 10067 7.8% 11767 8.7% 11613 8.8% 6 Venture Capital Fund 206 0.2% 349 0.3% 328 0.3% 7 Regional Rural Bank 1576 1.2% 1575 1.2% 1575 1.2% 8 Security Receipts 1400 1.1% 1789 1.3% 1764 1.3% 9 Subsidiaries JV 4029 3.1% 3744 2.8% 3744 2.9% 10 Other 7544 5.9% 15221 11.3% 8750 6.7% Total Non SLR Investment 128833 100.0% 135283 100.0% 131406 100.0% 19 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Balance Sheet-Liabilities & Assets Sl. Parameters 30th Sept’25 30th June’26 30th Sept’26 CAPITAL & LIABILITIES 1 Capital 2299 2299 2299 2 Reserves and Surplus 133503 146208 150478 3 Deposits 1617080 1724837 1777240 4 Borrowings 84687 79264 113616 5 Other Liabilities and Provisions 39233 37704 35968 Total Liabilities 1876801 1990312 2079601 ASSETS 1 Cash and Balances with RBI 65228 71243 50425 2 Balances with Banks 81107 90312 100142 3 Net Investments 501961 486222 517591 4 Net Advances 1133780 1241399 1310451 5 Fixed Assets 15583 15523 15560 6 Other Assets 79141 85613 85434 Total Assets 1876801 1990312 2079601 Amt ₹ in Crore 20 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Income Amt ₹ in Crore Sl. Parameters Q2 Q1 Q2 YoY Variation H1 H1 YoY Variation FY26 FY27 FY27 Amt. % FY26 FY27 Amt. % 1 Interest Income (2+3+4) 31872 32897 34585 2713 8.5% 63835 67482 3647 5.7% 2 Interest on Advances 21914 23061 24323 2409 11.0% 43579 47384 3805 8.7% 3 Interest on Investments 8541 8077 8293 -248 -2.9% 16979 16370 -609 -3.6% 4 Other Interest Income 1416 1760 1968 552 39.0% 3278 3728 450 13.7 5 Other Income (6+7+8+9) 4342 4333 3601 -741 -17.1% 9610 7934 -1676 -17.4% of which 6 Fee Based Income 1685 2339 1954 269 16.0% 3935 4293 358 9.1% Out of which 6.1 Processing Fees 256 938 295 39 15.2% 984 1233 249 25.3% 6.2 Non Fund Based Income 196 220 231 35 17.8% 388 451 63 16.2% 6.3 Income from Insurance & MF 105 79 116 11 10.1% 200 194 -6 -2.9% 7 Recovery in Written off Accounts 844 908 808 -36 -4.2% 2033 1716 -317 -15.6% 8 Treasury income 1769 1081 753 -1016 -57.4% 3585 1834 -1751 -48.9% of which 8.1 Profit on Sales on Investments 1040 474 394 -646 -62.1% 2510 868 -1642 -65.4% 8.2 Profit on Exchange Transaction 156 309 327 171 109.5% 364 636 272 74.7% 8.3 Profit/Loss on Revaluation of Investment 574 298 32 711 330 9 Others 43 6 85 42 98.1% 56 91 35 63.0% 10 Total Income (1+5) 36214 37231 38185 1971 5.4% 73445 75416 1971 2.7% 21 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Expenses Amt ₹ in Crore Sl. Parameters Q2 Q1 Q2 YoY Variation H1 H1 YoY Variation FY26 FY27 FY27 Amt. % FY26 FY27 Amt. % 1 Total Interest Paid (2+3+4) 21403 22099 22984 1581 7.4% 42789 45082 2293 5.4% 2 Interest Paid on Deposits 20425 20941 21434 1009 4.9% 40837 42374 1537 3.8% 3 Interest Paid on Borrowings 215 334 637 422 196.2% 408 971 563 137.9% 4 Others Interest Paid 762 825 913 151 19.8% 1543 1738 195 12.6% 5 Operating Expenses (6+7) 7584 7613 7670 86 1.1% 16348 15283 -1065 -6.5% 6 Establishment Expenses 4747 4535 4406 -341 -7.2% 9911 8942 -969 -9.8% 7 Other Operating Expenses 2837 3077 3264 427 15.0% 6437 6341 -96 -1.5% 8 Total Expenses (1+5) 28987 29712 30653 1666 5.7% 59137 60365 1228 2.1% 22 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Profit & Provisions Amt ₹ in Crore Sl. Parameters Q2 Q1 Q2 YoY Variation H1 H1 YoY Variation FY26 FY27 FY27 Amt. % FY26 FY27 Amt. % 1 Net Interest Income 10469 10798 11601 1132 10.8% 21047 22400 1353 6.4% 2 Other Income 4342 4333 3601 -741 -17.1% 9610 7934 -1676 -17.4% 3 Operating Income (1+2) 14811 15132 15202 391 2.6% 30657 30334 -323 -1.1% 4 Operating Expenses 7584 7613 7670 86 1.1% 16348 15283 -1065 -6.5% 5 Operating Profit (3-4) 7227 7519 7532 305 4.2% 14308 15051 743 5.2% 6 Provisions other than Tax 643 541 97 -546 -84.9% 966 638 -328 -33.9% Of which provisions for Non Performing Assets -639 792 817 -243 1609 7 Profit Before Tax 6584 6978 7435 851 12.9% 13342 14413 1071 8.0% 8 Provision for Income Tax 1680 1725 1902 222 13.2% 6764 3627 -3137 -46.4% 9 Net Profit 4904 5253 5532 628 12.8% 6579 10786 4207 63.9% 23 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Efficiency Ratios (Quarter) Cost of Deposits [%] Cost of Funds [%] NIM [%]Yield on Advances [%] Yield on Funds [%] Yield on Investment [%] (Annualized) 4.58% 4.36% 4.35%4.57% 4.36% 4.34% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 2.60% 2.50% 2.58%2.72% 2.64% 2.74% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 7.90% 7.53% 7.60%8.01% 7.70% 7.78% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 6.82% 6.49% 6.54%6.91% 6.59% 6.65% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 6.93% 6.77% 6.83%6.97% 6.81% 6.86% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 5.18% 4.99% 4.96%5.18% 5.02% 4.97% Sept'25 (Q2) Jun'26 (Q1) Sept'26 (Q2) 24 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Cost of Deposits [%] Cost of Funds [%] NIM [%] 5.25% 5.16% 4.98% 5.26% 5.17% 5.00% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) Yield on Advances [%] Yield on Funds [%] Yield on Investment [%] (Annualized) Efficiency Ratios (HY1 FY27) Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 2.65% 2.57% 2.54% 2.78% 2.70% 2.69% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) 6.92% 6.76% 6.52% 7.01% 6.85% 6.62% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) 6.89% 6.87% 6.80% 6.92% 6.91% 6.83% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) 8.02% 7.80% 7.57% 8.14% 7.92% 7.74% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) 4.64% 4.55% 4.35% 4.63% 4.54% 4.35% Sept'25 (HY) Mar'26 (FY) Sept'26 (HY) 25
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(Annualized) Sl. Key Ratios Sept’25 June’26 Sept’26 1 Business Per Employee [₹ in Cr] 27.62 29.71 30.66 2 Business Per Branch [₹ in Cr] 263.06 278.28 285.18 Profitability/Productivity Ratios Sl. Key Ratios Q2 FY26 Q1 FY27 Q2 FY27 H1 FY26 H1 FY27 1 Return on Assets [%] 1.05% 1.04% 1.05% 0.71% 1.04% 2 Return on Equity [%] 17.95% 17.33% 17.32% 12.63% 17.42% 3 Book Value per Share [₹] 108.57 119.91 123.64 108.57 123.64 4 Book Value per Share-Tangible [₹] 95.92 108.58 111.94 95.92 111.94 5 Earnings per share [₹] 4.27 4.57 4.81 5.72 9.38 6 Cost to Income Ratio [%] 51.20% 50.31% 50.45% 53.33% 50.38% 6a Staff Cost to Income Ratio [%] 32.05% 29.97% 28.99% 32.33% 29.48% 6b Other Cost to Income Ratio [%] 19.15% 20.34% 21.47% 21.00% 20.90% 7 Net Profit Per Employee [₹ in Lacs] 19.97 21.71 22.51 13.47 22.06 8 Net Profit Per Branch [₹ in Lacs] 190.18 203.37 209.37 128.27 205.21 26 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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SMA 2 Accounts ( > Rs 5.00 Crore) Amt ₹ in Crore Sl. CATEGORY Sept’25 June’26 Sept’26 SMA2 % of Domestic Advances SMA2 % of Domestic Advances SMA2 % of Domestic Advances 1 Retail Loans 102 0.01% 111 0.01% 134 0.01% 2 Agriculture 314 0.03% 189 0.02% 89 0.01% 3 MSME 1040 0.09% 758 0.07% 751 0.06% 4 RAM Total 1456 0.13% 1058 0.09% 974 0.08% 5 Corporate & Others 417 0.04% 337 0.03% 185 0.01% 6 Total 1873 0.17% 1395 0.12% 1159 0.09% 27 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Movement of NPA Amt ₹ in Crore Sl. Parameters Q2 FY26 Q1 FY27 Q2 FY27 HY1 FY26 HY1 FY27 1 NPA at the beginning of Year/Quarter 42673 37124 35381 44082 37124 2 Cash Recovery & Up-gradation (2a+2b) 2716 1589 1762 3909 2765 2a -Cash Recovery 1125 843 1092 2105 1839 2b -Up-gradation 1591 746 670 1804 925 3 Write Off 1568 2235 1824 3201 4059 4 Total Reduction (2+3) 4284 3824 3586 7110 6823 5 Fresh Addition (5a+5b) 1955 2080 2395 3372 3889 5a -Fresh slippages 1812 1996 2233 3136 3694 5b -Debits in existing NPA A/cs 142 84 162 235 195 6 Gross NPAs at end of the period 40343 35381 34190 40343 34190 7 Eligible Deductions incl. Provisions 36318 31948 30877 36318 30877 8 Net NPAs at end of the period (6-7) 4026 3433 3313 4026 3313 9 Recovery in Written Off & RI 1233 1200 1043 2933 2198 10 Total Recovery (During the Period) 3949 2789 2805 7311 5594 28 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Asset Classification Sl. Parameters Sept’25 June’26 Sept’26 YoY Variation O/S Share% O/S Share% O/S Share% Amt. Variation/ Growth 1 Standard 1129249 96.55% 1237752 97.22% 1307003 97.45% 177754 15.7% 2 Gross NPA 40343 3.45% 35381 2.78% 34190 2.55% -6153 90 bps 2a Sub-Standard 5744 0.49% 5975 0.47% 6308 0.47% 564 2 bps 2b Doubtful 21060 1.80% 19522 1.53% 18508 1.38% -2552 42 bps 2c Loss 13539 1.16% 9883 0.78% 9374 0.70% -4165 46 bps 3 Global Advances (1+2) 1169592 100% 1273132 100% 1341194 100% 171602 14.7% Amt ₹ in Crore 29 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Slippages & Recoveries Period Q2 FY26 Q1 FY27 Q2 FY27 HY1 FY26 HY1 FY27 Net Recovery 3949 2789 2805 6842 4962 NPA Addition (Net Slippage) 1955 2080 2395 3372 3889 Net Recovery v/s Net Slippage 2.0x 1.3x 1.2x 2.0x 1.3x Slippage Ratio* 0.71% 0.68% 0.77% 0.63% 0.64% 429 438 864 81 1812 402 752 825 17 1996 360 815 756 302 2233 Retail Agriculture MSME Corporate Total Q2 FY26 Q1 FY27 Q2 FY27 Sector wise Fresh Slippage (Quarter) Amt ₹ in Crore Recovery v/s Slippages *Annualised 30 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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NPA Classification - Sector Wise Amt ₹ in Crore Sl. Parameters Sept’25 June’26 Sept’26 Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 272210 2730 1.00% 285880 2139 0.75% 296925 2170 0.73% 2 Agriculture 183987 18946 10.30% 199582 18111 9.07% 210451 18169 8.63% 3 MSME 179220 18352 10.24% 203025 14634 7.21% 214619 13041 6.08% 4 Corporate, Overseas & Others 534175 316 0.06% 584645 498 0.09% 619198 810 0.13% 5 Global (1+2+3+4) 1169592 40343 3.45% 1273132 35381 2.78% 1341194 34190 2.55% 1.00% 0.75% 0.73% Sept'25 June'26 Sept'26 Retail NPA (%) 10.30% 9.07% 8.63% Sept'25 June'26 Sept'26 Agriculture NPA (%) 10.24% 7.21% 6.08% Sept'25 June'26 Sept'26 MSME NPA (%) 0.06% 0.09% 0.13% Sept'25 June'26 Sept'26 Corporate, Overseas & others NPA (%) 31 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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NPA Classification- Industry Wise Amt ₹ in Crore Sl. Diversified Industry Portfolio Sept’25 June’26 Sept’26 O/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure 107598 123 0.11% 107394 219 0.20% 107818 458 0.42% -Energy 45479 65 0.14% 47793 73 0.15% 47157 72 0.15% -Tele-Communication 11043 2 0.02% 5919 1 0.02% 5691 1 0.02% -Roads & Ports 44697 15 0.03% 47399 103 0.22% 48509 339 0.70% -Other Infra 6379 41 0.65% 6283 42 0.66% 6461 46 0.71% 2 Basic Metal & Metal Products 21463 685 3.19% 21420 489 2.28% 25802 548 2.12% -Iron & Steel 18517 431 2.33% 18728 283 1.51% 22948 363 1.58% 3 Food Processing 20373 2572 12.62% 22233 1649 7.41% 20974 1665 7.94% 4 Textiles 12232 839 6.86% 13232 755 5.71% 13455 706 5.25% 5 Chemical & Chemical Products 10820 173 1.60% 9450 166 1.76% 9452 154 1.63% 6 All Engineering 10460 382 3.66% 11253 226 2.01% 12758 193 1.51% 7 Construction 1993 49 2.45% 2276 29 1.27% 2264 24 1.08% 8 Petroleum 17232 4 0.02% 7318 3 0.05% 9966 3 0.03% 9 Other Industries 57556 3443 5.98% 70599 2955 4.19% 74257 2756 3.71% Total 259727 8270 3.18% 265175 6491 2.45% 276747 6508 2.35% 32 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Shareholding and Ratings Total No. of Shares: 1149.29 Crores Shareholding as on 30.09.2026 Govt. of India, 70.08% FIs/ Banks/ Insurance, 9.98% Mutual Funds, 6.14% FIIs, 6.66% Resident Individual , 6.28% Others, 0.86% 33 INTERNATIONAL RATINGS DOMESTIC RATING PNB’s BASEL III BOND RATINGS Sl. Rating Agency Additional Tier- 1 Bonds Rating Tier-II Bonds Rating 1 AA + AAA AA + AAA AA + AAA AA + AAA 2 3 4 BBB-/F3/ Stable Baa3/P-3/ Stable Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Capital Adequacy Amt ₹ in Crore 34 12.75% 12.52% 13.62% 14.52% 14.44% 1.66% 1.61% 1.53% 1.51% 1.45%2.78% 2.64% 2.59% 2.10% 2.06% Sep'25 Dec'25 Mar'26 Jun'26 Sep'26 CRAR % 17.19% 16.77% 17.74% 18.13% 14.41% 14.13% 15.15% 16.03% Capital & CRAR Sl. Parameters Sept’25 June’26 Sept’26 1 Total Capital (Tier 1+2) 147269 166377 170219 CRAR % 17.19% 18.13% 17.95% Out of Which, 2 Tier 1 123482 147083 150687 Tier 1% 14.41% 16.03% 15.89% 2a Common Equity 109299 133285 136895 CET-1 % 12.75% 14.52% 14.44% 2b Additional Tier 1 14183 13798 13792 AT-1 % 1.66% 1.51% 1.45% 3 Tier 2 23787 19294 19532 Tier-2 % 2.78% 2.10% 2.06% Risk Weighted Assets Sl. Parameters Sept’25 June’26 Sept’26 1 Total RWA 856879 917780 948163 Out of Which, a Credit RWA 761519 813403 842303 b Market RWA 8404 9278 10761 c Operational RWA 86956 95099 95099 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 15.89% 17.95%
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1.95 4.14 83 143 PNB One BIZ Activated Users (in Lakhs) Augmenting Digital Base WhatsApp Banking Users (in Lakhs) (225+ features) (100+ features) 239 285 Sept’25 Sept’26 PNB One Activated Users (in Lakhs) (400+ features) 312 408 Q2 FY26 Q2 FY27 Digital Transactions (in Crores) 303 397 Q2 FY26 Q2 FY27 UPI Remitter Transactions (in Crores) 57 Share of Digital Transaction (Q2 FY27) Digital Transactions (Incl. ADC), 95.7% Other Transactions 4.3% 35 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Sept’25 Sept’26 Sept’26Sept’25
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Progress Under Major Digital Offerings – Digital Lending Digital Lending ProductsDigital Lending Performance Digital Sanctions – Q2 FY27 * Newly launched journeys in Q2 FY27 1. Digi Car Loan 2. Personal Loan 3. Digi Education Loan 4. Digi Home Loan 5. Loan against Deposits 6. Digi PM Surya Ghar 7. Digi Saarthi (Two- Wheeler Loan) 8. HL (Top-up) 9. PNB Shram Saathi 10. Credit Risk Guarantee Home Loan 1. Krishi Tatkal Rin 2. KCC Review, Renewal & DP Enhancement (upto ₹10.00 Lakh) 3. Digi Gold Loan 4. Digi Self Help Group (SHG) 5. Digi Dairy KCC 6. Digital KCC (through Jansamarth Portal) 7. Digi Shreshtha (Lakhapti Didi) 8. Tractor Xpress 9. Griha Vatika 10. Digi Kisan Vahan* 11. Digi Farm Stay Plus* 1. Digi MSME 2. Digi MSME Prime 3. PM Vishwakarma 4. e-PM SVANidhi 2.0 5. GST Sahay 6. MSME Renewal 7. GEM Sahay* 8. Emergency Credit Line Guarantee Scheme (ECLGS)* 96961 RETAIL AGRICULTURE MSME ₹ 4,763 Crores (1,25,249 Accounts) ₹ 10,724 Crores (3,66,383 Accounts) ₹ 6,531 Crores (97,088 Accounts) Total Number of Accounts – 5,88,720 Total Amount Sanctioned – Rs. 22,018 Crore 36 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Progress Under Major Digital Offerings No. of Users 29.72 Lakh No. of Transactions 1.85 Crore Central Bank Digital Currency (CBDC) ➢ DIY journeys Saving, Current, and PPF accounts ➢ UPI functionality in PNB One BIZ ➢ Credit Card Genie app within PNB One ➢ Introduction of Family Banking in Retail Internet Banking Services ➢ Multiple nominee facility , Form 15G/H (New Form 121) and BBPS-enabled bill payment services in WhatsApp Banking New Initiatives Undertaken ➢ Revamping of Internet Banking Services platform ➢ Next-generation UI/UX enhancements in PNB One ➢ Implementation of Aadhaar Face Authentication in PNB One ➢ Geo-location-based transaction control through My Safe Zone in PNB One ➢ Monthly Account Statement delivery through WhatsApp Banking ➢ Account debit freeze/unfreeze functionality through WhatsApp Banking ➢ Digital Journeys: PNB YUVA – Connect Savings Scheme, Kaushal Education Loan, Mobility Two- Wheeler Loan, Gen Next MSME and Sashakt Yuva MSME. Way Forward 37 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Empowering Decisions with Advanced Analytics Business Augmentation As on Sept’26 44210 ₹ crore Retail 15916 MSME 26085 Agriculture 2209 01 PNB Business 360: Insights on the Go A unified mobile app providing real-time business dashboards and actionable insights at users’ fingertips. Enables leadership and branch heads to monitor key business indicators, track performance and make informed decisions anytime, anywhere. 02 Connected Intelligence for Fraud Detection Network graph analytics to map relationships among entities and uncover potential fraud networks. Supports fraud investigations by highlighting suspicious linkages and interconnected groups. 03 Quantum Computing: New Possibilities in Analytics Assessing the feasibility of applying quantum computing to banking use cases, with a focus on its potential to complement existing analytical approaches. 04 Towards Smarter Early Warning Signals Exploring the potential of machine learning to complement the bank’s Early Warning System, with a focus on identifying emerging credit stress and supporting proactive risk monitoring. 05 Expanding Capabilities, Strengthening Analytics Expanded the analytical model portfolio with new use cases and enhanced existing models, improving processing efficiency and supporting business decision-making. Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 38 (Since 25.11.2021)
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Human Resource Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Age Bracket Employees Share < 30 Years 14293 14% 30 to < 40 Years 51705 50% 40 to < 50 Years 22727 22% 50 to 60 Years 15161 14% Qualification Count B.Tech/ M.Tech 11300 MBA / PGDBM 8651 CA / CS 756 FRM 88 Age Profile & Demographics Average Staff Age: 39 Years Over 64 % of staff under 40 years. Professional Qualifications Training & Staff Accolades ➢ PNB SPARSH - Teleconsulting facility for employees for mental well-being ➢ Sports & Cultural Activities (PNB Khel Utsav and PNB Taal Tarang) - Pan India ➢ Health Check-ups & Wellness sessions ➢ Child Care Facility (including creche facility) ➢ Scheme for reimbursement of cost of spectacles ➢ Bank’s Holiday Homes at various locations ➢ Dedicated mentorship for women employees - PNB JAGRITI ➢ Women Conclave & Leadership Programs ➢ 5-Year Roadmap for Women Empowerment ➢ ISO 9001:2015 certification standardizing an auditable Quality Management System. ➢ IS 17802 standards – E-learning platforms (Knowledge Centre & PNB Univ) New HR Initiatives 39 ➢ Customised certification programmes in identified domains in collaboration with IIBF ➢ Launch of Generative AI powered AR/VR ➢ Skill & Holistic Development for Karamchari Training Initiative (SHAKTI) for Subordinate Staff ➢ Design Thinking Workshop on Complaint Handling and Escalation erience ➢ 47,545 officers trained through a large-scale AI enablement programme in collaboration with Microsoft ➢ Golden Peacock National Training Award for the year 2026 As on 30.09.2026
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Distribution Network As on 30.09.2026 Domestic branches by region Northern 3,214 30.7% Central 2,566 24.5% North-Eastern 449 4.3% Western 798 7.6% Eastern 2,450 23.4% Southern 1,004 9.6% Regions as per RBI classification. Eastern includes Andaman & Nicobar; Western includes Dadra & Nagar Haveli and Daman & Diu; Southern includes Puducherry. Total Touch Points 53,672 Branches 10,481 (Domestic) ATMs 10,915 BCs 32,276 Branches by population group 10,481 Branches ● Rural 3,979 38.0% ● Semi-Urban 2,638 25.2% ● Urban 2,071 19.7% ● Metro 1,793 17.1% International Presence Branches at Dubai and Gift City, Gandhinagar Subsidiaries London (UK) and Bhutan Joint Venture Nepal Representative Offices Myanmar and Bangladesh Loan Processing Offices 15 Large Corporate Branches (LCB) including 2 ELCBs 11 Mid Corporate Branch (MCB) 116 Mid Corporate Centres (MCC) 16 Corporate Banking Branches (CBB) 149 PNB Loan Points (PLP) 3 Centralized Co-lending & Pool Centres (C-CPC) Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award 40
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Group Structure of the Bank PNB Subsidiaries Domestic 1. PNB Cards & Services Ltd. – 100% 2. PNBISL -100% 3. PNB Gilts Ltd - 74.07% Foreign 1. PNBIL, London - 100% 2.DRUK PNB Bank Ltd, Bhutan - 51% Associates & Joint Venture Domestic 1. PNB Housing Finance Ltd – 28.01% 2. PNB MetLife India Insurance Co. Ltd - 30% RRB 35% stake in each one:- 1. Bihar Gramin Bank 2. Haryana Gramin Bank 3. Himachal Pradesh Gramin Bank 4. Punjab Gramin Bank 5. Tripura Gramin Bank 6. Manipur Rural Bank 7. Assam Gramin Bank 8. West Bengal Gramin Bank Foreign Everest Bank, Nepal- 20.02% 41 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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Performance of Subsidiaries, Associates, Joint Venture & RRB’s Name of the entity Results (3/6/9/12 M) Total Income Total Expenses Gross Profit Net Profit PNB Housing Finance Ltd (PNBHFL) June’26 (3M) 2346 1618 728 546 PNB Investment Services Ltd. (PNBISL) Sept’26 (6M) 11 5 6 5 PNB Cards & Services Limited (PNBCSL) June’26 (3M) 30 26 3 2 PNB Gilts Ltd. Sept’26 (6M) 874 705 169 126 PNB MetLife India Insurance Co. Ltd June’26 (3M) 4599 4503 96 96 PNB (International) Limited (FY : 1st April to 31st March) Mar’26 (12M) 864 717 148 28 Druk PNB Bank Ltd. (Bhutan) (FY : 1st January to 31st December) Dec’25 (12M) 244 185 59 16 Everest Bank Ltd. (Nepal) (FY : 16th July to 15th July) July’26 (12M) 1445 962 484 317 Amt ₹ in Crore Consolidated Position Sept’25 (6M) (Audited) Sept’26 (6M) (Unaudited) YoY% Business 256310 281092 9.7% Advances 97981 109733 12.0% Deposits 158330 171359 8.2% Capital Adequacy Ratio 13.45% 14.10% +65 bps Total Income 8544 9518 11.4% Operating Profit 1770 2291 29.5% Net profit 795 1294 62.7% Performance of RRBs 42 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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ESG Highlights Environmental Social ✓ Swachhata Hi Seva (SHS) 2026- Swachhata Pledge taken in all branches/offices. ✓ NPS SANCHAY- Expanding pension coverage and financial security for the informal sector ✓ SHG Credit Linkage: ₹15462 Cr o/s as on 30.09.2026, across 457757 Self-Help Groups for social upliftment. ✓ BRIDGE – Connect, Grow & Succeed- Mentorship program for employee development, leadership readiness and succession planning. ✓ PNB Parivar Banking Program- An Inclusive Family Banking Arrangement, for customers. ✓ e-PM Svanidhi: Digital Journey for 2nd and 3rd Tranche Loans. ✓ PNB runs a State of Art Hockey Academy nurturing players to build successful career in Hockey. ✓ Net Zero Conceptual Framework, 2060 as the Net zero (Scope1, 2, and 3) target year. ✓ NETRAM- Centralized real time solution for monitoring & management of network infrastructure across India. ✓ Conduct Risk Management Policy: An Employee Conduct Assessment Framework to Strengthen Accountability, Ethics, and Risk Culture. ✓ Cybersecurity: Streamlined Network Detection & Response through improved traffic ingestion, rule optimization and new alert configurations. ✓ Quantum-Resilient Security- Post-Quantum Cryptography adopted for 200+ public-facing APIs, strengthening future-ready security. ✓ PALAASH 4.0, a comprehensive green initiative featuring tree plantation drives, quiz contests, sessions by environmentalists, and other sustainability-focused activities ✓ PNB Agri plus scheme launched for financing Food & Agro processing units. ✓ Indoor Digital Signage Solution has been implemented across 1001 branches in first phase, significantly reducing flex & vinyl usage. ✓ MOU signed with Indian Green Building Council (IGBC), to encourage sustainable housing solutions. ✓ PNB Energy Efficiency Scheme approved, to promote energy efficiency and decarbonization, in the MSME sector. 43 Governance Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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ESG – Green Initiatives Sustainable Financing (Sanctions During H1 FY2027) PNB Green Car scheme-₹1807 Cr Renewable energy sector- ₹22906 Cr PNB Solar rooftop scheme-₹1946 Cr PNB Palaash Tree Plantation drive for FY 2026-27, under Palaash 4.0 – Each one Plant two program. Expanding the clean energy footprint, bank completed Green Tariff adoption at 171 locations, with 154 more underway across 3 states. Branch Ambience Improvement Drive- Use of energy efficient LEDs & Airconditioners. Empowering Rural India: 94 specialized training centers (80 RSETIs, 2 RDC and 12 FTCs) driving skill upgradation and self-employment. PNB AI Summit 2026, “Innovate, Integrate & Elevate, ” underscoring the Bank’s commitment to technology- driven transformation Bank honoured with the Data Quality Champion Award (Gold) by TransUnion CIBIL. Solar Power Plant capacity 44 3892 KWp installed in Bank’s owned buildings, 326 branches and ATMs 1908 KWp is under execution at HO Buildings at Dwarka & Gurgaon and other offices PNB Harit Niwas scheme-₹233 Cr Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award
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ESG – Social Impact 45 Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Impact Area Institutions Key Beneficiaries Outlay (₹ Cr) Skill Development & Entrepreneurship Development RSETIS (80) & RDCs (2) Rural Youth, Women, Farmers 95.00 FTCs(12) Rural Youth, Women, Farmers 19.00 Women Empowerment PNB Ladli Siksha Yojna SC/ST Girl Students 8.66 Financial Inclusion CFL Budget 2026-27 Rural Communities 4.13 Disaster Relief Chief Minister Relief Fund Assam Disaster Affected 1.20 Healthcare Support Sant Nirankari Mandal, KIMS, Bangalore, Tarapith Mandir Rampurhat WB General Public / Patients 0.83 Education JNMC Medical College, Raipur Medical Students 0.15 Social Welfare Helmet Man of India, Don Bosco Ashalayam Two-Wheeler Riders, Underprivileged Children 0.02 CSR Activity Footprint Total CSR Budget Outlay (FY26-27) ₹129 Crore Funds Utilization Rate 100% On-Track
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Rewards & Accolades Highlights Business Financial Asset Quality Share/ Capital Digitalisation/ Analytics HR/Network /GB/RRB ESG/ Award Recognized as the Runner-Up for Best Bank in MSME Acceleration at the 4th ICC Emerging Asia Banking Conclave & Awards. Honored with the NCRP Collaboration Excellence Award by TransUnion CIBIL for outstanding collaboration under NCRP. Recognized for excellence, securing the First Runner- Up position in the IBA–PNB Case Study Competition, Manthan 2025. Awarded the Gold Data Quality Champion Award by TransUnion CIBIL in recognition of excellence in data quality. 46
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Guidance for FY’27 vs Actuals for September’26 Parameters Guidance for FY’27 Q2 FY’27 HY1 FY’27 Credit Growth % (YoY) 12%-13% 14.7% 14.7% Deposit Growth % (YoY) 9%-10% 9.9% 9.9% CASA Share % 38% 36.6% 36.6% Operating Profit Gr % (YOY) 9%-10% 4.2% 5.2% Net Interest Income Gr % (YOY) 7% 10.8% 6.4% NIM % 2.60%-2.70% 2.58% 2.54% Gross NPA % < 2.50% 2.55% 2.55% Net NPA % < 0.3% 0.25% 0.25% PCR % (incl. TWO) More than 96% 97.32% 97.32% Credit Cost % Below 0.4% 0.25% 0.25% Total Recovery (Amount) > Rs. 13,000 Crores Rs. 2805 Crores Rs. 5594 Crores RoA % Above 1% 1.05% 1.04% Slippage Ratio % (Annualized) Below 0.9% 0.77% 0.64% 47
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Disclaimer “This representation contains certain forward-looking statements apart from historical information. 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. Punjab National Bank undertakes no obligation to update forward-looking statements to reflect events or circumstances after the present date.” 48
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Thank You Download the PNB ONE app today Scan to download 6,16,000 35,41,937 11,98,861 2,54,681 4,74,197 60,042