#1FINANCIAL RESULTS Q1 FY23 June 2022 75- Azadi Ka Amrit Mahotsav Follow our Official Page pnbindia f in 4 pnb ...the name you can BANK upon!!!#2TAN fogether we can Content 75% Azadi Ka Amrit Mahotsav Slide No pnb 1 2 Key Highlights Business Performance 3 4-14 3 Financial Performance 15-22 4 Asset Quality 23-31 5 Share Holding & Capital 32-34 6 Digitalization 35-37 7 Network, FI, Group Business and RRBs 38-41 8 ESG Initiatives & Awards 42-44 Page 2#3Asset Quality Profitability TAN fogether we can Business ₹ Gross Advances 10.21% YOY Rs 800177 Cr Fee Based Income 25.68% YOY Rs 2055 Cr Key Financial Highlights :June'22 75 Azadi Ka Amrit Mahotsav pnb LOAN Retail Advances 10.77% YOY Rs 146321 Cr CASA Share% 46.34% 119 bps YoY Saving Deposits 6.61% YOY Rs 447258 Cr Net Interest Income Global NIM % 4.27% YOY (%) 2.79% Rs 7543 Cr 5 bps YOY % GNPA % NNPA % PCR % (incl TWO) 11.27% 51 bps QoQ 4.28% 52 bps QoQ 83.04% 144 bps QoQ HK CD Ratio 70.39% 425 bps YOY CRAR % 14.82% 32 bps QOQ Page 3#4fogether TAN we can SI. Parameters 1 Global Gross Business Overseas Gross Business Domestic Gross Business 2 Global Deposits Overseas Deposits Domestic Deposits Current Deposits Savings Deposits CASA Deposits CASA Share % Business Performance 75% Azadi Ka Amrit Mahotsav Amt in Crore Growth % pnb Jun'21 Mar'22 Jun'22 QoQ YOY 1823685 1931322 1936923 0.29% 6.21% 36666 47059 52691 11.97% 43.71% 1787019 1884263 1884232 0.00% 5.44% 1097649 1146218 1136747 -0.83% 3.56% 18712 21169 22040 4.12% 17.79% 1078937 1125049 1114706 -0.92% 3.32% 67611 81974 69332 -15.42% 2.55% 419525 451680 447258 -0.98% 6.61% 487136 533654 516590 -3.20% 6.05% 45.15% 47.43% 46.34% 610513 612564 620157 1.24% 1.58% Total Term Deposits 3 Global Gross Advances 726036 785104 800177 1.92% 10.21% Overseas Gross Advances 17954 25890 30651 18.39% 70.72% Domestic Gross Advances 708082 759214 769526 1.36% 8.68% 4 CD Ratio % 66.14% 2 Business Performance 68.50% 70.39% 190 bps 425 bps Page 4#5TAN fogether we can Current Deposits YoY Gr.: 2.55% CASA Performance 67611 June'21 69332 CASA Deposits YoY Gr.: 6.05% 487136 June'22 Savings Deposits YoY Gr.: 6.61% 419525 447258 June'21 June'22 2 7532 Azadi Ka Amrit Mahotsav სიის Amt in Crore Domestic CASA Share % 119 bps 46.34% 516590 45.15% 38.89% 40.12% 6.26% 6.22% June'21 June'22 June'21 June'22 Savings Deposits % ■Current Deposits % Business Performance Page 5#6fogether TAN we e can Advances Growth % Parameters June'21 Mar'22 Mar'22 June'22 RAM Advances QoQ YOY YoY Gr.: 6.00% Gross Domestic Advances 708082 759214 769526 1.36% 8.68% 404505 Out of which 381616 Retail 132096 139594 146321 4.82% 10.77% 75% Azadi Ka Amrit Mahotsav |თის Amt in Crore Retail Advances 132096 YoY Gr.: 10.77% 146321 Agriculture 128386 124286 133237 7.20% 3.78% June'21 June'22 June'21 June'22 Agriculture MSME MSME 121134 125032 124947 -0.07% 3.15% YoY Gr.: 3.78% YoY Gr.: 3.15% RAM 381616 388912 404505 4.01% 6.00% 12838 6 13323 7 121134 124947 RAM as % to total Dom advances 53.9% 51.2% 52.6% Corporate & Others 326466 370302 365021 -1.43% 11.81% June'21 June'22 June'21 June'22 2 Business Performance Page 6#7fogether TAN e can we Core Retail Credit YoY Gr.: 9.10% Core Retail Schemes Home Loan YoY Gr.: 5.25% 111225 June'21 Vehicle Loan 10016 YoY Gr.: 34.25% 121349 70848 74565 June'22 June'21 June'22 Personal Loan YoY Gr.: 25.52% 13446 10308 12938 757 Azadi Ka Amrit Mahotsav Lpnb Amt in Crore June'21 June'22 June'21 June'22 Excluding Pool, IBPC & LAD 2 Business Performance Page 7#8fogether TAN we can Priority Sector Achievement 75 Azadi Ka Amrit Mahotsav pnb Amt in Crore SI. Parameters Mandated Targets Jun'21 Mar'22* Jun'22 ANBC 674350 668752 660200 1 Priority Sector 283935 283712 276273 % to ANBC 40% 42.10% 42.42% 41.85% 2 Agriculture - PS 120658 122708 119887 % to ANBC 18% 17.89% 18.35% 18.16% 3 Small and Marginal Farmers(SMF) 61900 65979 64578 % to ANBC 9.5%* 9.18% 9.87% 9.78% 4 Weaker Section 85050 90002 88574 % to ANBC 11.5%* 12.61% 13.46% 13.42% 5 Micro Enterprises (PS) 53501 53963 51539 % to ANBC 7.5% 7.93% 8.07% 7.81% * Targets under SMF and Weaker section have been increased from 9% to 9.5% and 11% to 11.5% for FY 2 2022-23 Business Performance *Figures for March'22 are on Quarterly average basis Page 8#9TAN fogether we can Segment Mix 19.2% 21.6% 22.0% 36.6% 34.7% 34.6% MSME Portfolio Mix MEME सूक्ष्म, लघु एवं मध्यम उद्यम MICRO, SMALL & MEDIUM ENTERPRISES 75% Azadi Ka Amrit Mahotsav |თის Amt in Crore Performance under GECL Facility GECL Amount Sanctioned Amount Disbursed Jun'22 20918 18458 Performance under PMMY mudzā Mudra Loans Amount Sanctioned Amount Disbursed Q1FY22 Q1FY23 2179 4324 2046 3935 PM SVANidhi Q1FY22 Q1FY23 PM SVANidhi 44.2% 43.7% 43.3% Account Sanctioned (No.) Amount Sanctioned 4183 17937 4.18 27.09 June'21 Mar'22 June'22 STAND UP ■Micro Small Medium Endeavour and Prosper India Target Position as on 30.06.22 Achievement % Ach 20116 (since inception no of a/cs) 20528 102.05% 2 Business Performance Bank achieved 102.05% of the allocated target Page 9#10fogether we can External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Amt in Crore Portfolio > Rs. 100 Crore 7 იის Azadi Ka Amrit Mahotsav TAN Mar'22 June'22 Advances Mix of Benchmark rate SI Rating Grade Amt. % Share Amt. % Share 1 AAA 130939 46.92% 137912 47.89% 17.4% 23.8% 27.0% 2 AA 61238 21.94% 66670 23.15% 3 A 16.9% 44508 15.95% 45259 15.71% 20.2% 4 BBB 17796 6.38% 17626 6.12% 20.8% Total BBB & Above 254481 91.19% 267467 92.87% 48.8% 5 BB 8422 3.02% 6489 2.25% 41.0% 39.1% 6 B 2601 0.93% 2327 0.81% 7 C 278 0.10% 276 0.10% 0.2% 0.1% 9.2% 0.1% 8.2% 00 8 D 2273 0.81% 1491 0.52% 7.9% 7.6% 6.8% 5.1% Total BB & Below 13574 4.86% 10583 3.67% Jun'21 Mar'22 Jun'22 9 Unrated 11007 3.94% 9952 3.46% Base Rate Fixed BPLR Total 279062 100.00% 288001 100.00% MCLR RLLR FC & Others Excluding Govt guarantee accounts 2 Business Performance Page 10#11fogether TAN we e can Diversified Industry Portfolio & Key Sectors March'22 75-7 Azadi Ka Amrit Mahotsav June'22 4 loის Amt in Crore June'21 SI. Diversified Industry Portfolio % to Domestic O/s 0/s Advances % to Domestic Advances O/s % to Domestic Advances 1 Infrastructure 99782 14.1% 102522 13.5% 103183 13.4% -Energy 40752 5.8% 41679 5.5% 44792 5.8% -Tele-Communication 17540 2.5% 11084 1.5% 10660 1.4% -Roads & Ports 35550 5.0% 38457 5.1% 39886 5.2% -Other Infra 5940 0.8% 11302 1.5% 7845 1.0% 2 Basic Metal & Metal Products 21057 3.0% 19413 2.6% 21287 2.8% -Iron & Steel 18059 2.6% 15647 2.1% 17935 2.3% 345 Textiles 12817 1.8% 11643 1.5% 11014 1.4% Food Processing 19166 2.7% 20375 2.7% 18961 2.5% Chemical & Chemical Products 9009 1.3% 10515 1.4% 7972 1.0% 6 Other Industries 55840 7.9% 55911 7.4% 54439 7.1% Total 217671 30.7% 220379 29.0% 216856 28.2% June'21 SI. 1 NBFC 2 Key Sectors O/S March'22 o/s June'22 o/s Growth% YOY 83601 103794 106814 27.8% Commercial Real Estate 3 Tourism, Hotel & Restaurant 18338 19474 19604 6.9% 1671 2002 2082 24.6% 4 Capital Market 803 1057 292 -63.6% 2 Business Performance Page 11#12TAN fogether we can NBFC Sector Outstanding as on NBFC & Energy Sector 30.06.2022: 106814 Cr External Rating wise Portfolio Energy Sector 75 Azadi Ka Amrit Mahotsav External Rating Standard Portfolio 30.06.2022: 40722 Cr External Rating wise Portfolio pnb Amt in Crore 29845 28% 827 2898 817 1% 3% 1% 5542 5% 2 66886 62% ■ AAA 14375 35% AA ■ A BBB ■BB & below ■ Unrated Business Performance 4856 12% 3478 9% 4023 10% 8763 21% 5227 13% Page 12#13TAN fogether we can SI. Parameters 1 Gross Domestic Investment a SLR SLR as % to Dom. Investment Non SLR b ☐ Held To Maturity (HTM) II Available For Sale (AFS) III Held For trading (HFT) 2 Modified Duration (AFS+HFT) 3 Net demand & time Liabilities 4 Investment by Overseas Branches Investment Portfolio 5 Total Gross Investment (1+4) HTM To Gross Domestic Investment (%) 2 June'21 Mar'22 757 Azadi Ka Amrit Mahotsav |თის Amt in Crore June'22 383167 375006 380974 277509 267071 274791 72.43% 71.22% 72.13% 105658 107936 106183 288337 302856 300988 94830 72179 79909 0 -29 77 2.39 3.29 2.14 1086823 1098982 1101111 5571 4387 5250 388738 379393 386224 Business Performance 75.25% 80.76% 79.00% Page 13#14fogether TAN we e can Non SLR Investment 7537 Azadi Ka Amrit Mahotsav |აის Amt in Crore June'21 Mar'22 June'22 SI. Parameters O/S % Share o/S % Share o/s % Share 1 PSU Bonds 20666 19.6% 17528 16.2% 16891 15.9% 2 Corporate and Other Bonds & Debentures 11908 11.3% 16893 15.7% 15499 14.6% 3 Share of PSU/Corporate/Others 8459 8.0% 6827 6.3% 6595 6.2% 4 Subsidiaries JV 3220 3.1% 3252 3.0% 3252 3.1% 5 Security Receipts 2018 1.9% 1612 1.5% 1533 1.4% 6 Special Govt. Sec excl. Recap Bonds 1253 1.2% 1114 1.0% 1114 1.0% 7 Regional Rural Bank 814 0.8% 814 0.8% 1073 1.0% 8 Venture Capital Fund 356 0.3% 365 0.3% 364 0.3% 9 Central Government Recapitalization Bond 55274 52.3% 55274 51.2% 55274 52.1% 10 Other Non SLR 1690 1.6% 4257 3.9% 4588 4.3% Total Non SLR Investment 105658 100.0% 107936 100.0% 106183 100.0% 2 Business Performance Page | 14#15TAN fogether we can Income 75 Azadi Ka Amrit Mahotsav |თის Amt in Crore Q1 Q4 Q1 QoQ Variation YoY Variation SI. Parameters FY22 FY22 FY23 Amt. % Amt. % 1 Interest Income (2+3+4) 18929 18645 18757 112 0.60% -172 -0.91% 2 Interest on Advances 12322 12053 12258 205 1.70% -64 -0.52% 3 Interest on Investments 5972 5905 5920 15 0.25% -52 -0.88% 4 Other Interest Income 635 687 579 -108 -15.71% -56 -8.81% 5 Other Income (6+7+8+9+10) of which 3887 2450 2537 87 3.55% -1350 -34.73% 6 Fee Based Income 1635 1532 2055 523 34.13% 420 25.68% Recovery in Written off 7 833 879 1325 446 50.78% 492 59.10% Accounts 8 Trading Profit 1118 389 573 184 47.23% -545 -48.77% Profit/Loss 9 301 -377 -1409 on Revaluation of Investment 10 Others 1 27 -7 11 Total Income (1+5) 22816 21095 21294 199 0.94% -1522 -6.67% 3 Financial Performance Page 15#16TAN fogether we can SI. Parameters Fee Based Income Fee Based Income 757 Azadi Ka Amrit Mahotsav Cloის Amt in Crore Q1 Q4 Q1 QoQ Variation YoY Variation FY22 FY22 FY23 Amt. % Amt. % 1635 1532 2055 523 34.13% 420 25.68% 1 Processing Fees 573 151 530 379 251.03% -43 -7.49% 2 LC/BG Income 104 163 111 -52 -32.10% 7 6.42% 3 Income from Insurance & MF 64 132 72 -60 -45.30% 8 12.81% 35 49 39 -10 -19.68% 4 12.45% 4 Govt. Business 5 Exchange Profit 6 Service Charges 7 Miscellaneous Fee Income 3 131 242 304 62 25.74% 173 132.28% 449 526 560 34 6.47% 111 24.72% 279 269 438 169 62.93% 159 57.09% Financial Performance Page 16#17TAN fogether we can Expenses 75- Azadi Ka Amrit Mahotsav |თის Amt in Crore Q1 Q4 Q1 QoQ Variation YoY Variation SI. Parameters FY22 FY22 FY23 Amt. % Amt. % 1 Total Interest Paid (2+3+4) 11694 11341 11214 -127 -1.12% -480 -4.10% 2 Interest Paid on Deposits 10977 10544 10427 -117 -1.11% -550 -5.01% 3 Interest Paid on Borrowings 127 132 178 46 34.48% 51 39.77% 4 Others Interest Paid 591 665 610 -55 -8.25% 19 3.24% 5 Operating Expenses (6+7) 4722 4489 4701 212 4.71% -21 -0.45% 6 Establishment Expenses 2956 2158 2547 389 18.01% -409 -13.84% 7 Other Operating Expenses 1766 2331 2154 -177 -7.59% 388 21.95% 8 Total Expenses (1+5) 16416 15830 15915 85 0.54% -501 -3.05% 3 Financial Performance Page 17#18TAN fogether we can Profit & Provisions 75% Azadi Ka Amrit Mahotsav pnb Amt in Crore Q1 Q4 Q1 QoQ Variation YoY Variation SI. Parameters FY22 FY22 FY23 Amt. % Amt. % 1 Net Interest Income 7234 7304 7543 239 3.27% 309 4.27% 2 Other Income 3887 2450 2537 87 3.55% -1350 -34.73% 3 Operating Income (1+2) 11122 9754 10080 326 3.34% -1042 -9.37% 4 Operating Expenses 4722 4489 4701 212 4.71% -21 -0.45% 5 Operating Profit 6400 5265 5379 114 2.17% -1021 -15.95% 6 Provisions other than Tax 4980 4851 4790 -61 -1.26% -190 -3.82% Of which a NPAs 3248 4564 4814 250 5.48% 1566 48.21% Standard Advances incl. Standard b 1193 25 -278 -303 - -1471 Restructured C Depreciation on Investment 530 99 149 50 50.51% -381 -71.89% d Other provisions 9 164 105 -59 -35.98% 96 7 Profit Before Tax 1420 413 589 176 42.62% -831 -58.52% 8 Provision for Income Tax 397 212 281 69 32.55% -116 -29.22% 6 Net Profit 1023 202 308 106 52.48% -715 -69.89% 3 Financial Performance Page 18#19TAN fogether we can Profit & Provisions 75% Azadi Ka Amrit Mahotsav |თის Amt in Crore Q1 Q4 Q1 SI. Profitability Ratios FY22 FY22 FY23 1 Return on Assets [%] 0.30% 0.06% 0.09% 2 Return on Equity [%] 7.13% 1.35% 2.01% 3 Earnings per share [*] (Not annualized) 0.95 0.18 0.28 4 Book Value per Share [*] 78.49 79.59 80.32 4a Book Value per Share-Tangible [*] 54.01 54.77 57.16 5 Cost to Income Ratio [%] 42.46% 46.02% 46.63% 5a Staff Cost to Income Ratio [%] 26.58% 22.12% 25.27% 5b Other Cost to Income Ratio [%] 15.88% 23.90% 21.37% 6 Operating Profit to AWF [%] 1.90% 1.59% 1.63% 7 Operating Expenses To AWF [%] 1.40% 1.36% 1.42% 3 Financial Performance Page 19#20fogether we can TAN 4.08% 4.15% Cost of Deposits [%] 3.90% 3.97% Efficiency Ratios (Quarter) 3.57% 3.48% 3.85% 3.79% Cost of Funds [%] 3.43% 3.51% NIM [%] 75 Azadi Ka Amrit Mahotsav |აის (Annualized) 2.90% 2.86% 2.81% 3.42% 3.39% 2.74% 2.76% 2.79% Jun'21 (Q1) Mar'22 (Q4) Global Domestic 6.93% 7.09% Jun'22 (Q1) Jun'21 (Q1) Yield on Advances [%] Mar'22 (Q4) ■Global Domestic Yield on Funds [%] Jun'22 (Q1) Jun'21 (Q1) Mar'22 (Q4) Global Domestic Jun'22 (Q1) Yield on Investment [%] 6.80% 5.63% 5.77% 5.77% 5.63% 5.68% 5.74% 6.64% 6.66% 6.47% 6.49% 6.30% 6.36% 6.41% 6.44% 6.36% Jun'21 (Q1) Mar'22 (Q4) Global Domestic Jun'22 (Q1) 3 Jun'22 (Q1) Jun'21 (Q1) Jun'21 (Q1) Mar'22 (Q4) Global Domestic Financial Performance Mar'22 (Q4) Global Domestic Jun'22 (Q1) Page 20#21TAN fogether we can 1854 Business per Employee 1941 pnb in Lakhs Productivity Ratios (Annualized) Business per Branch 75% Azadi Ka Amrit Mahotsav 1914 16888 18773 June'21 Mar'22 June'22 June'21 Mar'22 Operating Profit per Employee 25 22 June'21 (Q1) Mar'22 (Q4) 18885 June'22 Operating Profit per Branch 230 211 214 22 June'22 (Q1) 3 June'21 (Q1) Mar'22 (Q4) June'22 (Q1) Financial Performance Page 21#22TAN fogether we can Balance Sheet-Liabilities & Assets 75% Azadi Ka Amrit Mahotsav Amt in Crore 30th Jun'22 pnb SI. Parameters 30th Jun'21 31st Mar❜22 CAPITAL & LIABILITIES 1 Capital 2202 2202 2202 2 Reserves and Surplus 92173 93285 95282 3 Deposits 1097649 1146219 1136747 4 Borrowings 35647 45681 63524 5 Other Liabilities and Provisions 20861 27418 23321 Total Liabilities 1248532 1314805 1321076 ASSETS 1 Cash and Balances with RBI 90499 85736 65233 2 Balances with Banks 31160 46911 49378 3 Investments 381862 372168 378383 4 Loans & Advances 661289 728186 742643 5 Fixed Assets 10887 10673 11771 6 Other Assets 72835 71131 73668 Total Assets 1248532 1314805 1321076 3 Financial Performance Page 22#23TAN 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 Restructuring Implemented 75 Azadi Ka Amrit Mahotsav |თის Amt in Crore Out of which, position as on 30.06.22 Loan and aggregate Restructuring Implemented Out of which, position as on 30.06.22 Loan and aggregate SI. SI. exposure category No. of account Amount involved No. of Amount accounts exposure category involved No. of accounts Amount involved No. of accounts Amount involved Individual 1 Personal loans 6257 744 4899 671 1 77719 5575 65482 5159 Borrowers 2 Other Exposures* 360 4652 289 2689 2 Small Business 3749 1026 2959 890 3 Total (1+2) 6617 5396 5188 3360 3 Total (1+2) 81468 6601 68441 6049 4 MSME loans 11335 856 4007 506 4 MSME loans 115118 6047 76501 4783 Grand Total (3+4) 17952 6253 9195 3866 Grand Total (3+4) 214538 12648 144942 10832 * Other Exposures includes corporate loans >Rs. 25 Crore as per RBI guidelines. 4 Asset Quality Page 123#24TAN fogether we can AGRICULTURE MSME RETAIL RAM TOTAL CATEGORY CORPORATE & OTHER TOTAL Improving Asset Quality -SMA Accounts ( > Rs.5.00 Crore) June'21 SMA2 868 % of Domestic Advances 0.68% SMA2 June'22 267 75 Azadi Ka Amrit Mahotsav pnb Amt in Crore % of Domestic Advances 0.20% 2679 2.21% 1215 0.97% 348 0.26% 97 0.07% 3895 1.02% 1579 0.39% 8629 2.64% 448 0.12% 12524 4 Asset Quality 1.77% 2027 0.26% Page | 24#25fogether we can Improving Asset Quality - Movement of NPA Quarterly Performance 75% Azadi Ka Amrit Mahotsav |თის Amt in Crore TAN SI. Parameters Q1 FY'22 Q4 FY'22 Q1 FY'23 1 2 3 NPA as at the beginning of Year/Quarter Cash Recovery Up-gradation 104423 97259 92448 2758 3045 2681 4316 1724 2607 4 Cash Recovery & Up-gradation (2+3) 7074 4769 5288 5 Write Off 2247 10548 3461 6 Total Reduction (4+5) 9320 15317 8749 7 Fresh Addition 8972 10506 6468 7.1 -Fresh slippages 8241 9575 5890 7.2 -Debits in existing NPA A/cs 731 931 578 8 Gross NPAs at end of the period 104076 92448 90167 9 Eligible Deductions incl. Provisions 65495 57539 58423 10 Net NPAs at end of the period 38581 34909 31744 11 Recovery in TWO & RI* 1196 1555 1769 12 Total Recovery (4+11) 8270 6324 7057 *Recovery in TWO & RI has been re-aligned. 4 Asset Quality Page 25#26TAN fogether we can Gross NPA% 14.33% Improving Asset Quality - Ratios 75 Azadi Ka Amrit Mahotsav |თის Amt in Crore PCR%-(incl TWO) Credit Cost 2.45% 2.46% 83.04% 1.76% 11.78% 11.27% 80.26% 81.60% (Annualized) June'21 (Q1) Mar'22 (Q4) June'22 (Q1) June'21 Mar'22 Jun'22 June'21 Mar'22 June'22 Total Recovery incl Upgradation & Recovery in TWO & RI 7057 Net NPA% Slippages(Fresh Addition) Ratio 6324 (Annualized) 1769 5.84% 4.80% 5.67% 4.28% 1555 6.47% 1724 2607 3.75% 3045 2681 June'21 Mar'22 June'22 June'21 (Q1) Mar'22 (Q4) Jun'22 (Q1) Mar'22 (Q4) 4 Asset Quality June'22 (Q1) Recovery in TWO & RI Up Gradation ■Cash Recovery Page 26#27TAN fogether we can Asset Quality - Slippage (Fresh Addition) TOTAL ADVANCES 8241 Q1 FY22 2149 AGRICULTURE RAM 6819 5889 Q1 FY23 Q1 FY22 MSME 2315 3122 Q1 FY22 Q1 FY23 Q1 FY22 4 4869 RETAIL 1548 Q1 FY23 Q1 FY22 1735 75% Azadi Ka Amrit Mahotsav loის Amt in Crore 820 Q1 FY23 CORPORATE & OTHER 1422 1020 Q1 FY23 Q1 FY22 Q1 FY23 Asset Quality Page 27#28TAN fogether we can NPA Classification - Sector Wise 75 Azadi Ka Amrit Mahotsav Amt in Crore pnb June'21 Mar'22 June'22 SI. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 132096 7833 5.93% 139594 6955 4.98% 146321 6383 4.36% Out of Which, 1a Housing 83813 4391 5.24% 84179 3877 4.61% 84624 3546 4.19% 1b Car/Vehicle 10035 601 5.99% 13865 575 4.15% 19447 575 2.96% 1c Personal Loan 10308 284 2.76% 12193 284 2.33% 12938 255 1.97% 2 Agriculture (PS+NPS) 128386 23384 18.21% 124286 25572 20.58% 133237 25952 19.48% 3 MSME 121134 28145 23.23% 125032 26520 21.21% 124947 26226 20.99% 4 Corporate & Others 326466 42730 13.09% 370302 31536 8.52% 365021 29899 8.19% 5 Domestic (1+2+3+4) 708082 102092 14.42% 759214 90583 11.93% 769526 88460 11.49% 6 Overseas 17954 1984 11.05% 25890 1865 7.20% 30651 1707 5.57% 7 Global (5+6) 726036 104076 14.33% 785104 92448 11.78% 800177 90167 11.27% 4 Asset Quality Page 28#29TAN fogether we can NPA Classification- Industry Wise Diversified Industry |თის 75 Azadi Ka Amrit Mahotsav Amt in Crore June'21 Mar'22 June'22 SI. Portfolio O/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure 99782 13768 13.80% 102522 9538 9.30% 103183 8950 8.67% -Energy 40752 4537 11.13% 41679 4123 9.89% 44792 4070 9.09% -Tele-Communication 17540 3381 19.28% 11084 17 0.15% 10660 17 0.16% -Roads & Ports 35550 4088 11.50% 38457 4072 10.59% 39886 3724 9.34% -Other Infra 5940 1762 29.66% 11302 1326 11.73% 7845 1139 14.52% 2 Basic Metal & Metal Products 21057 2914 13.84% 19413 2056 10.59% 21287 1786 8.39% -Iron & Steel 18059 1672 9.26% 15647 1176 7.52% 17935 1238 6.90% 3 Textiles 12817 3360 26.22% 11643 1933 16.60% 11014 1921 17.44% 4 Food Processing 19166 5190 27.08% 20375 5297 26.00% 18961 4736 6/2 24.98% Chemical & Chemical 5 9009 1127 12.51% 10515 445 4.23% 7972 441 5.53% Products 6 Other Industries 55840 20127 36.04% 55911 16951 30.32% 54439 16641 30.57% Total 217671 46486 21.36% 220379 36220 16.44% 216856 34475 15.90% 4 Asset Quality Page 29#30TAN fogether we can Asset Classification- Global Advances June'21 Mar'22 June'22 75 Azadi Ka Amrit Mahotsav |თის Amt in Crore YoY Variation SI. Parameters o/s Share% o/s Share% o/s Share% Amt. Var. % 1 Standard 621960 85.67% 692656 88.22% 710010 88.73% 88050 14.16% 2 Gross NPA 104076 14.33% 92448 11.78% 90167 11.27% -13909 -13.36% 2a Sub-Standard 24792 3.41% 16402 2.09% 14516 1.81% -10276 -41.45% 2b Doubtful 57985 7.99% 59009 7.52% 59382 7.42% 1397 2.41% 2c Loss 21299 2.93% 17037 2.17% 16269 2.03% -5030 -23.62% Global Advances (1+2) 726036 100.0% 785104 100.00% 800177 100.00% 74141 10.21% 4 Asset Quality Page 30#31TAN fogether we can SI. 1 RBI list 1 2 RBI list 2 Parameters 3 Filed by PNB 4 Filed by Others 5 Total Exposure to NCLT accounts As on 30.06.2022 Accounts Balance Provision 750 Azadi Ka Amrit Mahotsav PCR% სიის Amt in Crore 04 3802 3802 100.0% 10 4592 4572 99.6% 145 9067 8982 99.1% 402 49385 48028 97.3% 561 66846 65384 97.8% 100.0% 99.6% 99.1% 97.3% 97.8% 3802 4592 9067 66846 49385 RBI list 1 RBI list 2 Balance Filed by PNB Filed by other Lenders Provision Coverage% Total 4 Asset Quality Page 31#32fogether TAN e can we Total No. of Shares: 1101.10 Crores 0.99% 2.73% 12.67% Share Holding and Ratings 75 Azadi Ka Amrit Mahotsav Lpnb აის 1.74% Moody's Issuer Credit Rating- Ba1/NP/Stable Fitch Issuer Credit Rating- BBB-/F3/Stable Basel III 8.72% S.N Rating Agency Additional Tier-1 Tier-Il Bonds 73.15% Bonds Rating Rating 1 CRISIL Ratings AA/Stable AA+/Stable 2 India Ratings AA+/Stable AAA/Stable ■Govt. of India ■Fls/Banks/Insurance 3 Brickwork Ratings AA/Stable AA+/Stable Mutual Funds Resident Individual 4 CARE Ratings AA/Stable AA+/Stable FPIs ■ Others 5 ICRA Ratings AA/Stable AA+/Stable (Shareholding as on 30.06.2022) 5 Share Holding & Capital Page 32#33fogether TAN we e can Capital Adequacy 75% Azadi Ka Amrit Mahotsav loის Amt in Crore CRAR % SI. Parameters June'21 Mar'22 June'22 15.19% 1 Tier I 14.50% 14.82% 73330 70458 73522 2.72% 1a Common Equity 67955 63430 66484 2.72% 2.77% 1b Additional Tier I 5376 7028 7037 0.91% 1.16% 1.17% 2 Tier II 15970 16653 16544 3 Total (Tier I+II) 89300 87111 90066 4 Risk-weighted Assets 587813 600821 607608 11.56% 10.56% 10.94% 5 Tier 1 % 12.47% 11.73% 12.10% 5a Common Equity % 11.56% 10.56% 10.94% 5b Additional Tier 1 % 0.91% 1.17% 1.16% 6 Tier II% 2.72% 2.77% 2.72% June'21 Mar'22 June'22 7 Total (Tier 1+11) % CET 15.19% 14.50% 14.82% ATI Tier II 5 Share Holding & Capital Page 33#34TAN fogether we can Capital Optimization & Raising plan Capital Optimization Capital Raising Plan 75% Azadi Ka Amrit Mahotsav |თის Amt in Crore Sl. Parameters Jun'21 Mar'22 Jun'22 SI. Particulars Plan for FY 2022-23 1 Additional Tier I Bonds 1 Credit RWA 474391 488969 499064 2 Tier II Bonds 5500 6500 2 Market RWAS 43795 42225 38325 3 Total Capital to be raised 12000 3 Operational RWAS 69628 69628 70220 4 Total RWAS 587813 600821 607608 Basel compliant AT 1 Bonds of Rs 2000 Crore were raised on 06.07.2022 Parameters Jun'21 Mar'22 Jun'22 5 Total RWA/Total Assets 47.1% 45.7% 46.0% Leverage Ratio 4.64 4.27 4.56 5 Share Holding & Capital Page | 34#35TAN fogether we can % Digital Transactions Digitalization- Performance 93% 79% 72% 72% 83% 69% 60% 61% 28% 28% 21% 7% Jun'21 Sep'21 Mar'22 Jun'22 Branch Transactions Alternate Delivery channel Numbers (in Lacs) Digital Transactions 32% YoY Growth in Internet Banking Users 32% 347 262 Numbers (in lacs) Transactions (in cr.) 75 Azadi Ka Lpnb აის Amrit Mahotsav 106% YoY Growth in UPI Transactions 36.45 106% 74.97 Jun'21 ■Jun'22 38% YoY Growth in M-Bank Users 251 38% 347 Jun'21 Jun'22 1.43 Lakh Txn in PPF through IBS/MBS Jun'21 Jun'22 6 Digitalization Page 35#36TAN fogether we can Digitalization- New Initiatives 75 Azadi Ka Amrit Mahotsav |pის Joined Account Aggregator ecosystem. 2nd Public Sector Bank to Go live for AA. Pre-approved Personal Loan through PNB One and PNB Website ✓ Loan in 4 Clicks & Single OTP 2nd ✓ Loan in just 60 Seconds 1st Public Sector Bank enabling digital loan repayment through BBPS. Setting up of 8 Digital Banking Unit For delivering banking services digitally 6 1st Pre-approved e-Mudra loans through PNB Website Tablet-based Account opening products and Digitalization Page 36#37TAN fogether we can Digitalization- Way Forward 75% Azadi Ka Amrit Mahotsav Upcoming Digital Initiatives of the Bank E2E digitized customer journeys Digitization of Current and Saving account opening journeys drive quality CASA acquisition Digitization of RAM journeys with high NIM potential Partnerships Led Growth Strengthen Digital Capabilities: Digital Org, Digital Talent, Digital Partnerships, Tech Architecture, etc. • FinTechs & Vendor Partnerships • Pre-Approved Credit Card through PNB One • UPI Payments Via Credit Cards ⚫ PNB One Registration without Debit Card • Authentication in lieu of Debit card for Customer Onboarding on UPI 6 Digitalization PNB Path towards Digitalisation |აის Page 37#38TAN fogether we can As on 30.06.2022 Distribution Network & Social Presence Total Touch Points :- 42,134 f in 75 Azadi Ka Amrit Mahotsav pnb Branches ATM 111 5 (Domestic) 13,219 10,058 BCS 18,857 1565278 YoY : 22.8% 93164 YoY 1:27.7% 305550 YoY 1:34.2% 348 Delhi: 322 929 40 297 7250 You Tube 720 6 9 1654 700 295 5 24 90637 17204 21 84530 YoY: 47.8% YoY : 42.6% YoY : 290.0% 66 9. 267 370 206 1153 183 Population group Wise Branches 341 International Business 388 131 13 129 143 Branches at:- Dubai and Gift City, Ahmedabad Subsidiaries:-London (UK) and Bhutan Joint Venture:- Nepal Representative Offices:- Myanmar and Bangladesh 1740 17% 3853 2015 38% 20% 2450 25% States having 245 • Andaman & Nicobar (4) Branches 100 > 187 Daman & Diu (3) • Dadra and Nagar Haveli (2) ■Rural ■Semi-Urban ■ Urban ■ Metro 7 Network, Fl, Group Business and RRBs Page 38#3975 Azadi Ka Amrit Mahotsav Lpnb აის TAN fogether we can Nos in lakhs Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 43.23 34.61 Driving Financial Inclusion Pradhan Mantri Suraksha Bima Yojana (PMSBY) 180.64 45.36 149.32 Nos in lakhs Nos in lakhs Atal Pension Yojana 21.74 20.10 187.03 14.80 SLBC-6 June'21 Mar'22 395 June'22 June'21 Mar'22 Nos in lakhs PMJDY Accounts June'22 June'21 Mar'22 June'22 Amt in Crore Deposits Mobilized by BCs 429 16445 418 13487 June'21 Mar'22 June'22 June'21 Mar'22 7 17883 June'22 Nos No. of BCs LDMO- 112 Rural Self Employment Training Institute (Rseti)-76 ➤ Rural Development centre- 2 18857 ➤Financial Literacy 15719 12518 June'21 Centre- 175 Farmer Training Centre - 12 Villages adopted for holistic development Mar'22 June'22 - 295 Network, FI, Group Business and RRBs Page 39#40TAN fogether we can Subsidiaries Domestic Group Structure of the Bank PNB 75 Azadi Ka Amrit Mahotsav Foreign Domestic Associates & Joint Venture Foreign RRB pnb 1. PNB Cards & Services Ltd. - 100% 1. PNBIL, London - 100% 1. PNB Housing Finance Ltd - 32.57% 2.DRUK PNB Bank 2. PNB MetLife India Insurance Co. Ltd - 30% Everest Bank, Nepal- 2. PNBISL -100% Ltd, Bhutan 51% - 3. PNB Gilts Ltd - 74.07% 3. Canara HSBC OBC Life Insurance Co. Ltd (CHOICE) 23% 20.03% 4. India SME Asset Reconstruction Co. Ltd (ISARC) -20.90% 7 Network, Fl, Group Business and RRBs 35% stake in each one:- 1. Dakshin Bihar Gramin Bank 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 Page 40#41fogether we can Performance of Subsidiaries, Associates, Joint Venture & RRB 75% Azadi Ka Amrit Mahotsav Amt in Crore TAN Performance of Subsidiaries, Associates & Joint Venture Performance of RRBs იის Name of the entity Results (3/6/9/12 M) Total Income PNB Housing Finance Ltd Mar'22 (12M) 6201 Total Gross Net Expenses Profit Profit 5117 1084 836 Consolidated Position FY 2021 FY 2022 PNB Investment Services Ltd. June'22 (3M) 1.6 1 0.6 0.4 Business 175191 188493 PNB Cards & Services Limited June'22 (3M) 1.7 1 0.8 0.7 Loans and 62750 66834 PNB Gilts Ltd. June'22 (3M) 283 399 -115 -89 advances PNB MetLife India Insurance Co. Ltd Mar'22 (12M) 10136 10207 -71 -71 Deposits 112440 121659 Canara HSBC OBC Life Insurance Co. Ltd June'22 (3M) 1310 1302 8 8 Capital Adequacy PNB (International) Ltd. 9.88% 12.84% Mar'22 (12M) 321 228 93 60 Ratio (FY: 1st April to 31st March) India SME Asset Reconstruction Co. Ltd Mar'22 (12M) 15 12 3 3 Operating profit 2870 2198 Druk PNB Bank Ltd. Dec 21 (12M) 147 124 37 23 (FY: 1st January to 31st December) Everest Bank Ltd. Net Profit 481 184 July'21 (12M) 817 658 159 111 (FY: 16th July to 15th July) 7 Network, FI, Group Business and RRBs Page 41#42fogether TAN we can ESG Initiatives 75 Azadi Ka Amrit Mahotsav ➤ ESG Framework in place 1 High level Sub-committees to oversee ESG initiatives Launched various schemes focusing on environment sustainability such as Environment 1 PNB Green Car Loan 2 SAUR SWAROJGAR YOJNA (PNB-MSSY) (Uttarakhand) PNB SATAT 3 Scheme BIOGAS pnb eco 2 3 4 5 Installed approximately 300 KW roof top solar power plants in office buildings and more solar plants are proposed in Bank's upcoming buildings also. Procurement of energy efficient electrical & electronic equipment's which consume 50% less energy. Energy Efficient Measures such as LED light Fixtures, Occupancy Sensors, Maintenances of AC temperatures etc. have been adopted. Future projects, gas based generator also being considered. Sanctioned around 90 Cr+ loans under PNB Green Car Loan scheme as on 30.06.2022 ➤ Sanctioned 23.62 Cr loans under PM-KUSUM (Pradhan Mantri- Kisan Urja Suraksha evam Utthaan Mahabhiyan) Scheme as on 30.06.2022 Sanctioned 1000 Cr+ loans in renewable energy sector as on 30.06.2022 8 ESG Initiatives & Awards Page 142#43TAN fogether we can Governance Social ESG Initiatives 75 Azadi Ka Amrit Mahotsav |თის 1 2 3 24% Women employees in total workforce participation. 76+ (RSETIs) are imparting training to rural population and their families. Total no. of trained candidate since inception are 5,04,005 out of which 3,25,052 are women and 2,13,910 are from BPL. 175 FLCs of bank has conducted seminars programs on Financial education, prevention counselling and customer right which has provided training to 80,101 person during Q1 FY'23 "Giving Back to Society" is our prime motive of the banks,Some CSR initiatives undertaken during Q1 FY'23 are Contribution to Govt. of Uttrakhand Contribution to 2 Delhi schools on the occasion of Bank's 128th Foundation Day ■ Contribution towards construction of recreation hall for medical services in Tamil Nadu. 888 1 2 Committed to strong Corporate Governance practices and constituted various sub committee to oversee. Governance structure for strengthening risk and compliance culture is based on three lines of defense 3 The Bank shall continue to initiate policies, which are customer centric and which promote financial prudence 8 ESG Initiatives & Awards Page 43#44fogether TAN we e can Awards & Accolades RETAIL BANKER INTERNATIONAL Asia Trailblazer Awards 2022 Next Generation Technology BEST CORE BANKING SYSTEM INITIATIVE WINNER 2022 RETAIL BANKER INTERNATIONAL Asia Trailblazer Awards 2022 Customer Experience and Segmentation MOST INNOVATIVE BRANCH OFFERING HIGHLY COMMENDED 2022 1st PRATAP SINGH VERVA 75 Azadi Ka Amrit Mahotsav PRda Quarterly Award Recognition Programme (Jan 22-Mar'22) Punjab National Bank Ops PENSION FOR ALL Shot on OnePlus Powered by Triple Camera |აის "Best Core Banking System Initiative" 13th Annual Retail Banker International Trailblazer Awards "Most Innovative Branch Offering" 13th Annual Retail Banker International Trailblazer Awards "National MSME Awards 2022" (3rd Prize) Contribution towards the promotion and development of the MSME sector Recognized by PFRDA for performance under National Pension System (NPS) in Quarterly Award Recognition Programme for Q4 FY'22 8 ESG Initiatives & Awards Page 44#45TAN fogether we can Disclaimer 75 Azadi Ka Amrit Mahotsav pnb "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 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#46IVAR VISION "To be a globally trusted banking partner through customer-centric innovations, empowering employees and enriching lives of all stakeholders" Get Pre-Approved Personal Loan on PNB One App #Just one app Scan to apply: 75- आज़ादी का अमृत महोत्सव Thank You სიის MISSION "To offer quality financial services by leveraging technology to 4 clicks & Just 60 Sec and create value for customers other stakeholders, opportunities for employees and thus, contributing to the economic growth of nation" Page 46