#1TAN fogether we can 75- आज़ादी का अमृत महोत्सव ნის PROJECT PALAASH PNB Swaagat! Digital Personal Loan G20 For salaried customers of any bank Max. amount- Upto 6 lakhs 10 Lakhs through single OTP End-to-end digital process Personal Loan APPROVED равя Scen here to apply now T&C Apply Toll Free: 1800 1800 1800 2021 Follow us on fX 6 G20 2023 INDIA იის FINANCIAL RESULTS Q2 FY'24 September'2023 26th October 2023 Lenb ONE G20 PROJECT PALAASH LIGHTS FF, ENERGY N Every time you turn off a light, you're making a positive change! M Let's conserve energy together #PNBPalaash Follow our Official Page pnbindia.in f in იის ...the name you can BANK upon!!!#2TAN fogether we can 1 Content Performance Highlights | 3-5 G20 2023 INDIA 2 Business Performance 6-17 | 3 Financial Performance 18-24 4 Asset Quality | 25-31 5 Shareholding & Capital 32-33 6 Digitalization |34-40 HR, Network, 7 41-44 Group Business & RRBs 8 ESG, Awards & Guidance | 45-48 Lpnb Page 2#3TAN fogether we can Performance Highlights: Q2 FY’24 G20 2023 INDIA Profitability 1756 Cr 327.14% YoY Net Profit Asset Quality 6.96% 352 bps YoY GNPA % Business 2251631 Cr 11.26% YoY Global Business 6216 Cr 11.67% YoY % 9923 Cr 19.97% YoY. (%) Operating Profit Net Interest Income 1.47% 232 bps YoY NNPA % 91.91% 795 bps YoY PCR (Inc. Two) % 1309910 Cr 9.75% YoY l Global Deposits (%) 941721 Cr LOAN 13.43% YoY Global Advances 3.11% 11 bps YoY Global NIM loის 1.31% 45 bps YoY Credit Cost % 55.63% 218 bps YoY RAM Share Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 13#4TAN fogether we can Increasing Profitability Net Profit 1756 1255 1159 629 411 308 202 -Return on Assets (%) (Annualized) 0.46% 0.34% 0.32% G20 2023 INDIA |თის Amt in Crore -Return on Equity (%) (Annualized) 10.15% 7.50% 7.11% 0.17% 0.12% 3.85% 0.09% 2.56% 0.06% 1.35% 2.01% Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY'22 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 Q4 FY'22 Q1 Q2 Q3 Q4 Q1 Q2 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY'22 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 Operating Profit 6216 5968 5866 5716 5567 5379 5265 Net Interest Income 9923 9499 9504 9179 8271 7543 7304 Yield on Advance (%) 8.05% 8.15% 7.94% 7.23% 6.91% 6.64% 6.49% Q2 Q3 Q4 Q1 FY'22 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 Q4 Q1 Q2 Q4 FY'22 Q1 Q2 Q3 Q4 FY'23 FY'23 FY'23 Q1 Q2 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY'22 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 FY'23 FY'24 FY'24 Highlights Business Asset Share/ Financial Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 4#5TAN fogether we can 11.78% Gross NPA% Improving Asset Quality 11.27% 10.48% 9.76% 8.74% 7.73% 6.96% Net NPA% 4.80% 4.28% 3.80% 3.30% 2.72% 1.98% 1.47% Mar'22 June'22 Sept'22 Dec'22 Mar'23 June'23 Sept'23 Mar'22 June'22 Sept'22 Dec'22 Mar'23 June'23 Sept'23 PCR%- (Incl. TWO) 91.91% 89.83% 86.90% 85.17% 83.96% 83.04% 81.60% PCR%- (Excl. TWO) G20 2023 INDIA |თის Net NPA Amount Amt in Crore 34909 31744 29348 26363 22585 17129 13114 Mar'22 June'22 Sept'22 Dec'22 Mar'23 June'23 Sept'23 Slippages(Fresh Addition) Ratio(%) 80.00% 6.47% 75.84% 70.79% 68.46% 66.28% 64.79% 62.24% Mar'22 June'22 Sept'22 Dec'22 Mar 23 June'23 Sept'23 Mar'22 June'22 Sept'22 Dec'22 Mar'23 June'23 Sept'23 Highlights Business Financial Asset Quality Share/ Capital Digitalization (Annualized) 75%. 3.34% 2.17% 2.10% 1.19% 0.86% Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY'22 FY'23 FY'23 FY'23 FY'23 FY'24 FY'24 HR/Network/GB/RRB ESG/ Award Page 15#6fogether TAN we e can Business Mix Growth % Global Gross Business YoY Gr 11.26% G20 pnb 2023 INDIA SI. Parameters Sept 22 Mar'23 June'23 Sept❜23 QoQ YOY 1 Global Gross Business 2023713 2165844 2214741 2251631 1.67% 11.26% 2023713 1a Overseas Gross Business 59002 64369 65341 69405 6.22% 17.63% 1b Domestic Gross Business 1964711 2101475 2149400 2182226 1.53% 11.07% Sept'22 2 Global Deposits 1193501 1281163 1297905 1309910 0.92% 9.75% III Mar'23 Deposit and Advance Mix 2251631 2214741 2165844 June'23 Sept❜23 2a Overseas Deposits 25629 29455 30903 32727 5.90% 27.69% 884681 916836 941721 2b Domestic Deposits 830212 1167872 1251708 1267002 1277183 0.80% 9.36% 1193501 1281163 1297905 1309910 3 Global Gross Advances 830212 884681 916836 941721 2.71% 13.43% За Overseas Gross Advances 33373 34914 34438 36678 6.50% 9.90% 3b Domestic Gross Advances 796839 849766 882398 905043 2.57% 13.58% Sept❜22 I Global Deposits Mar'23 June'23 Sept'23 Gross Global Advances Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 6#7TAN fogether we can აის Deposits & CASA Mix G20 2023 INDIA Amt in Crore Global Deposits YoY Gr: 9.75% Growth % SI. Parameters Sept❜22 Mar'23 June'23 Sept❜23 QoQ YOY 1281163 1297905 1309910 1 Global Deposits 1193501 1281163 1297905 1309910 0.92% 9.75% 1193501 2 Overseas Deposits 25629 29455 30903 32727 5.90% 27.69% 3 Domestic Deposits 1167872 1251708 1267002 1277183 0.80% 9.36% 4 Current Deposits 72741 74028 66838 67038 0.30% -7.84% 5 Savings Deposits 451707 463987 464004 471238 1.56% 4.32% 6 CASA Deposits (4+5) 524448 538015 530842 538276 1.40% 2.64% 7 CASA Share to Domestic Deposit % Sept❜22 Mar'23 June'23 Sept❜23 44.91% 42.98% 41.90% 42.15% Current Deposits Savings Deposits Term Deposits 8 Total Term Deposits 669053 743148 767063 771634 0.60% 15.33% Highlights Business Financial Asset Quality Share/ Capital ESG/ Digitalization HR/Network/GB/RRB Award Page 17#8TAN fogether we can Advances Performance pnb Gross Global Advances YoY Gr 13.43% G20 2003 INDIA Amt in Crore Growth % Parameters Sept 22 Mar 23 June'23 Sept'23 QoQ YOY 941721 1 Gross Global Advances (2+3) 916836 830212 884681 916836 941721 2.71% 13.43% 830212 2 Gross Overseas Advances 33373 34914 34438 36678 6.50% 9.90% Gross Domestic 3 796839 849766 882398 905043 2.57% 13.58% Advances Out of which 4 Retail 155409 197698 205058 218230 6.42% 40.42% Sept'22 June'23 Sept'23 5 Agriculture 140303 142105 145572 146598 0.71% 4.49% 5a Agriculture PS 104362 106407 108188 112585 4.06% 7.88% RAM Share % 55.63% 6 MSME 130219 130178 132398 138661 4.73% 6.48% 53.45% 7 RAM (4+5+6) 425930 469981 483028 503489 4.24% 18.21% 54.74% 218 Bps YOY 8 RAM Share % 53.45% 55.31% 54.74% 55.63% 89 bps 218 bps 9 Corporate & Others 370909 379785 399370 401553 0.55% 8.26% Sept'22 June'23 Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB Sept'23 ESG/ Award Page 18#9TAN fogether we can Core Retail YoY Gr.: 16.5% Core Retail Advances 147247 137335 141040 126359 QoQ Gr.: 4.4% Home Loan YoY Gr.: 13.7% G20 2003 INDIA Amt in Crore 83893 81863 76877 Sept'22 Mar'23 June'23 Sept'23 Sept'22 Mar'23 Vehicle Loan YoY Gr.: 28.3% QoQ Gr.: 4.2% 87430 June'23 Sept'23 Personal Loan YoY Gr.: 39.0% 18010 16478 17093 18152 18940 14038 14294 QoQ Gr.: 5.4% QoQ Gr.: 4.9% 19868 Sept'22 Mar'23 June'23 Sept'23 HR/Network/GB/RRB ESG/ Award Sept'22 Mar'23 June'23 Sept 23 Highlights Business Financial Asset Quality Share/ Capital Digitalization pnb Page 19#10TAN fogether we can Priority Sector Achievement ACHIEVED ALL MANDATED TARGETS TOTAL PRIORITY SECTOR ADVANCES @41.60% of ANBC against norm of 40% AGRICULTURE (PS) ADVANCES @18.70% of ANBC against norm of 18% SMALL & MARGINAL FARMERS @10.84% of ANBC against norm of 10% WEAKER SECTION @14.44% of ANBC against norm of 12.00% MICRO ENTERPRISES @7.67% of ANBC against norm of 7.50% Highlights Business Financial Asset Quality Share/ Capital Digitalization G20 2023 INDIA pnb Amt in Crore Agriculture Gold Loan QoQ Gr.: 46.19% 3586 2453 1478 441 Sept'22 Mar'23 June'23 Sept'23 Micro and Small Enterprises YoY Gr: 8.00% 105159 102531 102557 110734 Sept'22 Mar'23 June'23 Sept'23 HR/Network/GB/RRB ESG/ Award Page 10#11TAN fogether we can MSME Segment Mix Total as on Sept'23 :- Rs 138661 Crores MSME Portfolio Mix PM SVANidhi Position- as on 30.09.23 PM SVANidhi 21.2% 20.5% 20.2% 35.3% 36.5% 37.4% 43.5% 43.0% 42.4% Sept'22 June'23 Sept'23 Micro Small Medium muda STAND UP India Endeavour and Prosper Highlights Business Financial PMEGP और Pater's आयोग G20 2023 INDIA Cloის Amt in Crore Q1 FY24 Q2 FY24 Growth % Application Sanctioned Disbursed out of Sanctioned 52955 158787 200% 43550 149833 244% Performance under PMMY Mudra Loans HY1 FY23 HY1 FY24 Amount Sanctioned 9436 11104 Amount Disbursed 9310 11000 Target 20142 Stand Up India Position- as on 30.09.23 Achievement 20792 % Ach 103% Prime Minister's Employment Generation Programme PMEGP Account Sanctioned Q1 FY 24 1722 Q2 FY24 3799 Growth % 121% Amount Sanctioned (Rs. in Cr) 170 386 128% Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 11 KVIC Prime Minister's Employment Generation Programme Asset Quality#12TAN fogether we can Driving Financial Inclusion G20 2023 INDIA Nos in lakhs Nos in lakhs Nos in lakhs SLBC-6 Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Pradhan Mantri Suraksha Atal Pension Yojana Bima Yojana (PMSBY) LDMO- 112 31.71 30.12 58.99 60.31 28.11 54.98 239.07 48.46 210.66 221.73 23.76 194.61 Sept 22 Mar'23 June'23 Sept'23 Sept 22 Mar'23 June'23 Sept'23 Sept 22 Mar 23 June'23 Sept'23 Nos in lakhs PMJDY Accounts Deposits Mobilized by BCS 479 21,795 22,138 18,729 466 459 441 Lpnb Rural Self Employment Training Institute (RSETI)- 76 Rural Development Centre- 2 Financial Literacy Amt in Crore Nos Centre- 175 No. of BCs 23,442 28782 Farmer Training 24227 25115 Centre - 12 20447 Villages adopted for holistic development - 307 Sept 22 Mar'23 June'23 Sept'23 Highlights Business Financial Sept 22 Mar'23 June'23 Sept'23 Asset Share/ Quality Capital Sept 22 Mar 23 June'23 Sept'23 Digitalization HR/Network/GB/RRB ESG/ Award Page 12#13TAN fogether we can External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Portfolio > Rs. 100 Crore June'23 Amt in Crore G20 2023 INDIA Advances Mix of Benchmark rate pnb Sep'22 Sept❜23 SI Rating Grade 0.07% 0.03% 2.00% 1 AAA 2 AA 3 A Amt. 134250 71007 46077 % Share Amt. % Share 47.29% 152365 45.60% Amt. % Share 3.91% 3.18% 2.80% 4.98% 3.99% 3.89% 144871 44.42% 7.21% 7.61% 9.85% 25.01% 16.23% 89648 26.83% 84386 25.87% 9.07% 10.01% 8.14% 54633 16.35% 59047 18.10% 4 BBB 16087 5.67% 16324 4.89% 18892 12.43% 11.27% 10.96% 5.79% BBB & Above 267421 5 BB 5570 1.96% 94.19% 312970 93.68% 5175 307196 94.18% 1.55% 3955 1.21% 23.71% 27.20% 27.67% 6 B 2176 0.77% 2071 0.62% 1738 0.53% 7 C 200 0.07% 1077 0.32% 945 0.29% 8 D 1397 0.49% 494 0.15% 429 0.13% BB & Below 9341 3.29% 8816 2.64% 7067 2.17% 38.22% 37.12% 36.68% 9 Unrated 7148 2.52% 12314 3.68% 11910 3.65% Sub-Total 283911 100% 334101 100% 326173 100% Guarantee/Direct 22.63% 20.45% 18.83% Sept'22 June'23 Claim on 83021 Central/State Govt (of Total Portfolio) 85871 (of Total Portfolio) 75681 (of Total Portfolio) Sept'23 Total Portfolio 366932 MCLR TBLLR 419972 401854 Base Rate RLLR ■Fixed BPLR PNB RLLR ELITE ■FC & Others Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 13#14fogether TAN we e can |თის Amt in Crore Diversified Industry Portfolio & Key Sectors G20 2023 INDIA Sept❜22 June'23 Sept❜23 SI. Diversified Industry Portfolio O/s % to Domestic % to % to O/s Advances Domestic Advances O/s Domestic Advances 1 Infrastructure -Energy -Tele-Communication 103133 12.9% 89619 10.2% 96380 10.6% 45365 5.7% 40223 4.6% 43437 4.8% Sept❜22 June'23 SI. Key Sectors 10187 1.3% 7625 0.9% 11179 1.2% O/S o/s Sept❜23 o/s -Roads & Ports 40257 5.1% 35613 4.0% 35971 4.0% 1 NBFC 118166 129632 123843 -Other Infra 7324 0.9% 6158 0.7% 5793 0.6% Out of which, Basic Metal & Metal 2 23602 3.0% 20456 2.3% 22729 2.5% Products Housing Finance 42685 45751 39687 Companies -Iron & Steel 20356 2.6% 17298 2.0% 19646 2.2% 3 Textiles 18794 2.4% 19350 2.2% 19268 2 Commercial Real Estate 18812 17625 15918 2.1% 4 Food Processing 10642 1.3% 10739 1.2% 10825 1.2% 3 Capital Market 521 220 172 Chemical & Chemical 5 7077 0.9% 5716 0.6% 5946 0.7% Products 6 All Engineering 6472 0.8% 6185 0.7% 6720 0.7% 7 Construction 2962 0.4% 2575 0.3% 2460 0.3% 80 Other Industries 49725 6.2% 58420 Total 222407 27.9% 213060 6.6% 24.1% 56566 6.3% 220894 24.4% Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 14#15TAN fogether we can NBFC Sector Outstanding as on 30.09.2023: 123843 Cr NBFC & Energy Sector External Rating wise Portfolio 330 38 0.3% 0.0% 111 2818 0.1% 2.3% 37681 30.4% 82865 66.9% Energy Sector G20 External Rating Standard Portfolio 30.09.2023: 42987 Cr 2023 INDIA loის Amt in Crore External Rating wise Portfolio 5085 2951 11.8% 6.9% 5743 13.4% 5249 20992 12.2% 48.8% 2967 6.9% ■ AAA ■ AA ■ A ■ BBB ■ BB & below ■ Unrated Highlights Business Financial Asset Quality Share/ Digitalization Capital HR/Network/GB/RRB ESG/ Award Page 15#16TAN fogether we can Investment Portfolio G20 2023 INDIA Lpnb Amt in Crore YoY Variation SI. Parameters Sept❜22 June'23 Sept❜23 Amt. % 1 Gross Domestic Investment 397962 410600 423772 25810 6.5% a SLR 293179 307457 315604 22425 7.6% SLR as % to Dom. Investment 73.67% 74.88% 74.48% b Non SLR 104783 103143 108168 3385 3.2% I Held To Maturity (HTM) 306623 321197 323942 17319 5.6% II Available For Sale (AFS) 89340 87015 96796 7456 8.3% III Held For trading (HFT) 1999 2388 3034 1035 51.8% 2 Modified Duration (AFS+HFT) 3.17 3.33 3.49 3 Net demand & time Liabilities 1120129 1238906 1270983 150854 13.5% 4 Investment by Overseas Branches 5266 5 Total Gross Investment (1+4) 403228 3578 414178 4694 428466 -572 -10.9% 25238 6.3% HTM To Gross Investment (%) Highlights 77.05% 78.23% 76.44% Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 16#17TAN fogether we can Non SLR Investment G20 2023 INDIA apnb Amt in Crore Sept❜22 June'23 Sept❜23 Y-o-Y Variation SI. Parameters O/S % Share O/S % Share O/S % Share Amt Gr.% 1 PSU Bonds 16373 15.6% 20435 19.81% 20371 18.83% 3998 24.42% 2 Corporate and Other Bonds & Debentures 15857 15.1% 13586 13.17% 15129 13.99% -728 -4.59% 3 Special Govt. Sec excl. Recap Bonds 1114 1.1% 915 0.89% 915 0.85% -199 -17.86% 4 CG Recap. Bond 55274 52.8% 55274 53.59% 55274 51.10% 5 Share of PSU/Corporate/Others 6423 6.1% 5630 5.46% 5650 5.22% -773 -12.03% 6 Venture Capital Fund 379 0.4% 318 0.31% 323 0.30% -56 -14.78% 7 Regional Rural Bank 1073 1.0% 1387 1.34% 1387 1.28% 314 29.26% 8 Security Receipts 1446 1.4% 1330 1.29% 1200 1.11% -246 -17.01% 9 Subsidiaries JV 3352 3.2% 3887 3.77% 3960 3.66% 608 18.14% 10 Other 3492 3.33% 381 0.37% 3959 3.66% 467 13.37% Total Non SLR Investment 104783 100.0% 103143 100.00% 108168 100.00% 3385 3.23% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 17#18TAN fogether we can Balance Sheet-Liabilities & Assets G20 2023 INDIA Amt in Crore SI. Parameters YoY Variation 30th Sep'22 30th Jun'23 30th Sep❜23 Amt. % CAPITAL & LIABILITIES 1 Capital 2 23 Reserves and Surplus 2202 96554 2202 2202 98908 100671 4117 4.3% 3 Deposits 1193501 1297905 1309910 116409 9.8% 4 Borrowings 58660 54203 52927 -5733 -9.8% 5 Other Liabilities and Provisions 25341 29811 31390 6049 23.9% Total Liabilities 1376258 1483029 1497100 120842 8.8% |თის ASSETS 12 1 Cash and Balances with RBI 73518 79820 62822 -10696 -14.5% 2 Balances with Banks 49513 48123 40361 -9152 -18.5% 3 Investments 393925 405281 420047 26122 6.6% 4 Loans & Advances 773403 863732 889920 116517 15.1% 5 Fixed Assets 12208 12076 12108 -100 -0.8% 6 Other Assets 73691 73997 71842 -1849 -2.5% Total Assets 1376258 1483029 1497100 120842 8.8% Highlights Business Financial Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 18#19fogether TAN we can Income Amt in Crore G20 pnb 2023 INDIA Q2 Q1 Q2 YoY Variation QoQ Variation HY1 HY1 YoY Variation SI. Parameters FY23 FY24 FY24 Amt. % Amt. % FY23 FY24 Amt. % 1 Interest Income (2+3+4) 20154 25145 26355 6201 30.8% 1209 4.8% 38911 51500 12589 32.4% 2 Interest on Advances 13550 17756 18464 4914 36.3% 708 4.0% 25808 36221 10413 40.3% 3 Interest on Investments 6111 6575 7095 984 16.1% 520 7.9% 12030 13670 1640 13.6% 4 Other Interest Income 494 814 796 302 61.0% -18 -2.2% 1073 1609 536 50.0% 5 Other Income (6+7+8+9) 2847 3434 3028 181 6.4% -406 -11.8% 5384 6462 1078 20.0% of which 6 Fee Based Income 1307 1785 1375 68 5.2% -411 -23.0% 3058 3160 102 3.3% Out of which 6.1 Processing Fees 166 574 180 14 8.2% -394 -68.6% 696 754 58 8.3% 6.2 Non Fund Based Income 124 139 194 70 56.9% 55 39.7% 234 333 99 42.1% 6.3 Income from Insurance & MF 108 86 107 0 -0.4% 21 24.3% 180 194 14 7.6% 6.4 Credit Card 26 34 36 11 40.6% 3 7.7% 52 70 18 34.5% 7 Recovery in Written off Accounts 1100 1022 1381 281 25.5% 8 Treasury income 102 618 264 162 159.1% 359 -354 35.1% 2425 2403 -22 -0.9% -57.2% -431 882 1313 -304.7% of which 8.1 Profit on Sales on Investments 160 308 136 -24 -15.1% 8.2 Profit on Exchange Transaction 100 203 59 -41 -41.0% -172 -144 -55.9% 733 444 -289 -39.4% -70.9% 404 262 -142 -35.2% 8.3 Profit/Loss on Revaluation of Investment -158 107 69 -1568 176 1744 9 Others 339 9 9 -330 10 Total Income (1+5) 23001 28579 29383 6382 -97.5% 27.7% 0 804 -0.2% 2.8% 332 44295 17 -315 -94.9% 57962 13667 30.9% Asset Share/ Highlights Business Financial Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 19#20TAN fogether we can Expenses G20 2023 INDIA 4 pmb Amt in Crore Q2 Q1 Q2 YoY Variation QoQ Variation HY1 HY1 YoY Variation SI. Parameters FY23 FY24 FY24 Amt. % Amt. % FY23 FY24 Amt. % 1 Total Interest Paid (2+3+4) 11883 15641 16432 4549 38.3% 791 5.1% 23098 32073 8975 38.9% 2 Interest Paid on Deposits 11022 14577 15319 4297 39.0% 743 5.1% 21449 29896 8447 39.4% 3 Interest Paid on Borrowings 209 334 332 123 58.7% -2 -0.7% 386 666 280 72.4% Others Interest Paid 652 731 781 129 19.8% 50 6.9% 1263 1512 249 19.7% 5 Operating Expenses (6+7) 5551 6970 6735 1184 21.3% -235 -3.4% 10251 13705 3454 33.7% 6 Establishment Expenses 3233 4487 4200 967 29.9% -287 -6.4% 5779 8687 2908 50.3% 7 Other Operating Expenses 2318 2483 2535 217 9.3% 52 2.1% 4472 5018 546 12.2% 8 Total Expenses (1+5) 17434 22611 23167 5733 32.9% 555 2.5% 33349 45778 12429 37.3% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 20#21TAN fogether we can Profit & Provisions G20 2023 INDIA pnb Amt in Crore Q2 Q1 Q2 YoY Variation QoQ Variation HY1 HY1 YoY Variation SI. Parameters FY23 FY24 FY24 Amt. % Amt. % FY23 FY24 Amt. % 1 Net Interest Income 8271 9504 9923 1652 20.0% 419 4.4% 15814 19427 3613 22.8% 2 Other Income 2847 3434 3028 181 6.4% -406 -11.8% 5384 6462 1078 20.0% 3 Operating Income (1+2) 11118 12938 12951 1833 16.5% 4 Operating Expenses 5551 6970 6735 1184 21.3% 13 0.1% -235 -3.4% 21198 25889 4691 22.1% 10251 13705 3454 33.7% 5 Operating Profit 5567 5968 6216 649 6 Provisions other than Tax 4906 3965 3444 -1462 11.67% -29.8% 248 -521 -13.1% 4.2% 10946 12184 1238 11.3% 9697 7409 -2288 -23.6% Of which a NPAs 3556 4374 3019 -537 -15.1% -1355 -31.0% 8370 7393 -977 -11.7% Standard Advances incl. b 694 -89 464 -230 -33.1% 553 416 375 -41 -9.8% Standard Restructured C c Depreciation on Investment 430 -322 -112 -542 -126.0% 210 579 -434 -1013 -174.9% d Other provisions 226 1 74 7 Profit Before Tax 661 2003 2772 8 Provision for Income Tax 250 747 1016 9 Net Profit 411 1255 1756 -152 -67.5% 2111 319.4% 766 306.6% 1345 327.1% 73 331 75 -256 -77.5% 769 38.4% 269 36.1% 501 39.9% 1250 4775 3525 282.0% 530 1763 1233 232.7% 720 3012 2292 318.3% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 21#22TAN fogether we can Cost of Deposits [%] Efficiency Ratios (Quarter) Cost of Funds [%] 4.72% 4.71% 4.86% 4.84% 3.40%3.39% 3.90% 3.93% Sept'22 (Q2) Jun'23 (Q1) Global Domestic 4.19%4.09% G20 2023 INDIA სიის (Annualized) 4.32%4.21% NIM [%] 3.00% 3.11% 3.08% 3.21% 3.11% 3.24% Sept'23 (Q2) Sept'22 (Q2) Jun'23 (Q1) Sept'23 (Q2) Sept'22 (Q2) ■Global Domestic Yield on Advances [%] 8.05% 8.13% 6.91% 7.08% Sept'22 (Q2) 8.15% 8.23% Jun'23 (Q1) ■Global Domestic Sept'23 (Q2) Yield on Funds [%] Yield on Investment [%] 6.73% 6.69% 6.93% 6.88% 6.87%6.89% 6.71%6.74% 6.51% 6.56% 5.77% 5.81% II Sept'23 (Q2) Sept'22 (Q2) II II Jun'23 (Q1) Global Domestic Asset Share/ Business Financial Quality Capital II II II Jun'23 (Q1) Sept'23 (Q2) Sept'23 (Q2) Sept'22 (Q2) Global Domestic Digitalization HR/Network/GB/RRB ESG/ Award Page 22 Jun'23 (Q1) ■Global Domestic Highlights#23TAN fogether we can Cost of Deposits [%] G20 2023 INDIA Lpnb Efficiency Ratios (HY1) Cost of Funds [%] (Annualized) NIM [%] 4.79% 4.78% 3.85% 3.89% 4.10% 4.12% 3.40% 3.41% 3.61%3.58% 4.25%4.15% 2.91% 3.00% 3.06% 3.19% 3.09% 3.22% Sep'22 (HY) Mar'23 (FY) Sep'23 (HY) Sep'22 (HY) Mar'23 (FY) Sep'23 (HY) ■Global Sep'22 (HY) Domestic Global Domestic Global Mar'23 (FY) Domestic Sep'23 (HY) Yield on Advances [%] Yield on Funds [%] Yield on Investment [%] 8.10% 8.18% 6.83% 6.79% 6.70% 6.88% 7.16% 7.31% 6.07% 6.09% 5.72% 5.77% 6.44% 6.50% 6.57% 6.62% 6.79% 6.82% Sep'22 (HY) Mar'23 (FY) Sep'23 (HY) Sep'22 (HY) Mar'23 (FY) Sep'23 (HY) Sep'22 (HY) Mar'23 (FY) Sep'23 (HY) ■Global Domestic Global Domestic Global Domestic Highlights Business Financial Asset Quality Share/ Digitalization Capital HR/Network/GB/RRB ESG/ Award Page 23#24TAN fogether we can Key Ratios (Annualized) G20 2023 INDIA Lpnb Q2 Sl. Q1 Q2 HY1 HY1 Profitability Ratios FY23 FY24 FY24 FY23 FY24 1 Return on Assets [%] 0.12% 0.34% 0.46% 0.11% 0.40% 2 Return on Equity [%] 2.56% 7.50% 10.15% 2.30% 8.82% 3 Net Profit Per Employee [* in Lacs] 1.65 5.18 7.20 1.45 6.21 4 Net Profit Per Branch [in Lacs] 16.24 49.95 69.21 14.28 59.68 5 Earnings per share [*] (Not annualized) 0.37 1.14 1.59 0.65 2.74 6 Cost to Income Ratio [%] 49.93% 53.87% 52.00% 48.36% 52.94% 6a Staff Cost to Income Ratio [%] 29.07% 34.68% 32.43% 27.26% 33.55% 6b Other Cost to Income Ratio [%] 20.85% 19.19% 19.57% 21.10% 19.38% 7 Credit Cost [%] 1.76% 1.99% 1.31% 2.13% 1.67% 8 Slippage Ratio [%] 3.34% 1.19% 0.86% 3.24% 0.85% SI. Productivity/Share Ratios Sept❜22 1 Business Per Employee [ in Lacs] 2001 2 Business Per Branch [ in Lacs] 19719 3a Book Value per Share [*] 81.32 3b Book Value per Share-Tangible [*] 58.39 Asset Share/ Highlights Business Financial Digitalization Quality Capital June'23 Sep'23 2222 2265 21477 21765 83.63 85.26 61.64 63.32 ESG/ HR/Network/GB/RRB Award Page 24#25TAN fogether we can OTR 1 One Time Restructuring (OTR 1 & 2) As per RBI's guidelines dated OTR 2 As per RBI's guidelines dated May 05,2021 G20 2023 INDIA |თის Amt in Crore Aug 06,2020 Position as on 30.09.23 Provisions Position as on 30.09.23 Provisions SI. Loan and aggregate exposure category under OTR 1 Made# Loan and aggregate under OTR 2 Made# SI. exposure category No. of accounts Amount involved Amt No. of accounts Amount Amt involved Individual 1 Personal loans 3502 442 55 1 47769 4172 526 Borrowers 2 Other Exposures* 105 2199 281 2 Small Business 1628 565 71 3 Total (1+2) 3607 2641 336 3 Total (1+2) 49397 4737 597 4 MSME loans 2174 386 48 4 MSME loans 32597 2372 297 Grand Total (3+4) 5781 3027 384 Grand Total (3+4) 81994 7109 894 *Other Exposures includes corporate loans >Rs. 25 Crore as per RBI guidelines. #Additional provision on OTR at higher rate of 12.5% as against 10%/5% earlier. Highlights Business Asset Financial Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page | 25#26TAN fogether we can RETAIL Improving Asset Quality -SMA 2 Accounts ( › Rs.5.00 Crore) G2 2023 INDIA loის Amt in Crore Sept❜22 June'23 Sept❜23 CATEGORY % of Domestic % of Domestic % of Domestic SMA2 SMA2 SMA2 Advances Advances Advances 82 0.01% 83 0.01% 118 0.01% AGRICULTURE 332 0.04% 348 0.04% 360 0.04% MSME RAM TOTAL 1277 0.16% 917 0.10% 958 0.11% 1691 0.21% 1348 0.15% 1436 0.16% CORPORATE & OTHER 379 0.05% 373 0.04% 11 0.00% TOTAL 2070 0.26% 1721 0.20% 1448 0.16% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page | 26#27TAN fogether we can Movement of NPA G20 2023 INDIA |თის Amt in Crore SI. Parameters Q2 FY'23 HY1 FY'23 Q1 FY'24 Q2 FY'24 HY1 FY'24 1 NPA as at the beginning of Year/Quarter 90167 92448 77328 70899 77328 2 3 -Cash Recovery -Up-gradation 3989 6478 1923 2179 3892 2508 4085 1672 1319 2419 4 Cash Recovery & Up-gradation (2+3) 6497 10563 3595 3498 6311 5 UT Write Off 2614 6091 5223 3665 8888 6 Total Reduction (4+5) 9112 16654 8818 7162 15199 7 Fresh Addition (8+9) 5979 11241 2390 1826 3435 8 -Fresh slippages 5301 9606 2258 1750 3318 9 -Debits in existing NPA A/cs 678 1635 132 76 117 10 Gross NPAs at end of the period 87035 87035 70899 65563 65563 11 Eligible Deductions incl. Provisions 57687 57687 53770 52449 52449 12 Net NPAs at end of the period 29348 29348 17129 13114 13114 13 Recovery in TWO & RI 2068 3836 1822 2035 3857 14 Total Recovery (4+13) 8565 14399 5417 5533 10168 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 27#28TAN fogether we can Asset Classification & Recovery v/s Slippages G20 2023 INDIA pnb Amt in Crore Sept❜22 June'23 Sept❜23 YoY Variation SI. Parameters O/S Share% O/S Share% O/S Share% Amt. Var. % Recovery v/s Slippages 1 Standard 743177 89.52% 845936 92.27% 876158 93.04% 132981 17.89% Q1 Q2 Period FY 22-23 FY 23-24 FY 23-24 2 Gross NPA 87035 10.48% 70899 7.73% 65563 6.96% -21472 -24.67% Recovery 29096 5417 5532 2a Sub-Standard 14165 1.71% 9988 1.09% 6870 0.73% -7295 -51.50% Slippage 20515 2390 1826 2b Doubtful 50647 6.10% 41958 4.58% 42489 4.51% -8158-16.11% Recovery v/s Slippage 1.4x 2.3x 3.0x 2c Loss 22222 2.68% 18953 2.07% 16205 1.72% -6017 -27.08% Global 830212 100.00% 916836 100.00% 941721 100.00% 111509 13.43% Advances(1+2) Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 28#29fogether TAN e can we NPA Classification - Sector Wise G20 2023 INDIA Amt in Crore Sept'22 June'23 Sept❜23 SI. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% pnb 1 Retail Loans 155409 6118 3.94% 205058 5859 2.86% 218230 5487 2.51% 2 Agriculture 3 MSME 140303 27019 19.26% 145572 24826 17.05% 146598 23904 16.31% 130218 25231 19.38% 132398 23607 17.83% 138661 22631 16.32% 4 Corporate & Others 370909 26910 7.26% 399370 15005 3.76% 401553 11851 2.95% 5 Domestic (1+2+3+4) 796839 85278 10.70% 882398 69297 7.85% 905043 63872 7.06% 6 Overseas 7 Global (5+6) 33373 1757 5.26% 34438 1602 4.65% 36678 1691 4.61% 830212 87035 10.48% 916836 70899 7.73% 941721 65563 6.96% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 29#30TAN fogether we can NPA Classification- Industry Wise G20 2023 INDIA Amt in Crore pnb Sept❜22 June'23 Sept'23 SI. Diversified Industry Portfolio 0/s GNPA GNPA % 0/s GNPA GNPA % 0/s GNPA GNPA % 1 Infrastructure -Energy -Tele-Communication -Roads & Ports 103133 7654 7.4% 89619 2600 2.9% 96380 2517 2.6% 45365 3273 7.2% 40223 473 1.2% 43437 450 1.0% 10187 14 0.1% 7625 13 0.2% 11179 13 0.1% 40257 3358 8.3% 35613 1520 4.3% 35971 1490 4.1% -Other Infra 7324 1009 13.8% 6158 594 9.6% 5793 565 9.7% 2 Basic Metal & Metal Products 23602 1529 6.5% 20456 1306 6.4% 22729 1271 5.6% -Iron & Steel 20356 1060 5.2% 17298 862 5.0% 19646 824 4.2% 3 Textiles 10642 1959 18.4% 10739 1706 15.9% 10825 1693 15.6% 4 Food Processing 18794 4686 24.9% 19350 4279 22.1% 19268 4097 21.3% 5 Chemical & Chemical Products 7077 353 5.0% 5716 273 4.8% 5946 254 4.3% 6 All Engineering 6472 703 10.9% 6185 654 10.6% 6720 776 11.5% 7 Construction 2962 1376 46.5% 2575 164 6.4% 2460 8 Other Industries 49725 13345 26.8% 58420 12943 Total 222407 31605 14.2% 213060 23925 22.2% 11.2% 56566 220894 129 9939 17.6% 20676 5.2% 9.4% Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 30#31TAN fogether we can SI. Parameters 1 RBI list 1 2 RBI list 2 3 Filed by PNB 4 Filed by Other Lenders 5 Total Exposure to NCLT (Admitted) accounts As on 30.09.2023 G20 PCR% 2023 INDIA Lpnb Amt in Crore Accounts Balance Provision 4 3599 3599 100.00% 10 4705 4705 100.00% 122 7805 7765 99.49% 408 45814 45686 99.72% 544 61923 61755 99.73% 100.00% 100.00% 99.49% 99.72% 99.73% 3599 4705 7805 61923 45814 RBI list 1 RBI list 2 Balance Filed by PNB Filed by other Lenders Provision Coverage% Total Highlights Business Financial Asset Quality Share/ Digitalization Capital HR/Network/GB/RRB ESG/ Award Page 31#32TAN fogether we can Share Holding and Ratings Shareholding as on 30.09.2023 FPIs, 2.65% Others, 1.35% Resident Mutual Funds Individual, 9.06% 4.85% Moody's PNB's Rating- Baa3/P-3/ Stable PNB's Rating G20 2023 INDIA Lpnb Fitch PNB's Rating- BBB-/F3/Stable Fls/Banks/ Insurance, 8.94% PNB'S BOND RATING Basel III S.N Rating Agency Additional Tier-1 Tier-II Bonds Bonds Rating Rating 1 CRISIL Ratings AA/Positive AA+/Positive 2 India Ratings AA+/Stable AAA/Stable 3 CARE Ratings AA+/Stable AAA/Stable Govt. of India 73.15% 4 ICRA Ratings AA/Positive AA+/Positive Total No. of Shares: 1101.10 Crores CARE upgraded bond rating during Q2 FY'24: Tier I: AA+; Stable Revised from AA; Positive Tier II: AAA; Stable, Revised from AA+; Positive ICRA outlook has revised from Stable to Positive Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 32#33fogether TAN we e can Capital Adequacy G20 2023 INDIA pnb Amt in Crore Capital & CRAR SI. Parameters Sept❜22 Mar'23 June'23 Sept❜23 SI. Parameters 1 Total Capital (Tier I+II) 91859 102157 104119 106839 1 Total RWA Risk Weighted Assets Sept'22 Mar'23 June'23 Sept❜23 623392 658982 669813 708086 Out of Which, CRAR % 14.74% 15.50% 15.54% 15.09% a Credit RWA Out of Which, 2 Tier I 76036 83606 82333 85116 b Market RWA Tier 1 % 12.20% 12.69% 12.29% 12.02% C Operational RWA 509766 551575 555600 585005 43406 37187 43159 52027 70220 70220 71054 71054 2a Common Equity 67831 73928 72651 72434 Capital Raised During HY1 FY23-24 CET-1% 10.88% 11.22% 10.85% 10.23% Type of Capital Capital Raising Plan Amount Raised for FY'23-24 Raised during 26 2b Additional Tier I 8205 9678 9682 12682 AT-1 % 1.32% 1.47% 1.44% 1.79% Total Out of Which, Rs 12000 Cr Rs 6090 Cr HY1FY24 3 Tier II 15823 18551 21787 21723 Tier-I (AT 1) Rs 7000 Cr Rs 3000 Cr Q2FY24 Tier-11 % 2.54% 2.81% 3.25% 3.07% Tier-II Rs 5000 Cr Rs 3090 Cr Q1FY24 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 33#34TAN Together we can New digital offerings - 36 Products G2 pnb Lpnb 2923 INDIA Retail 1 Pre Approved Personal Loan 2 Top-Up Pre Approved Personal Loan 3 Pre Qualified Credit Card 4 Online Credit Card against FD 5 Insta EMI Credit Card 6 Insta EMI Debit Card 7 Virtual Credit Card 8 e-OD against FD 9 Digital Home Loan* MSME Liabilities 1 e-Mudra 1 Insta Saving Account 2 MSME Easy Renewal 2 SB through Tab for Existing Customers Pre Approved Business Loan 4 GST Sahay 3 Current A/c opening through Video-KYC 5 e-GST Express Loan* 6 e-PM SVANidhi* 4 Current A/c Opening Through Tab 5 Multi currency World Travel Card Others Recovery 1 WhatsApp Banking 1 e-OTS Digital Journey 10 PNB Swagat (PL - New to Bank Cust)* 2 Revamped PNB One 2 e-OTS Branch Journey 3 Cash Management Services - Corporate 3 Samarth- SARFAESI 4 CMS - VAM (Virtual A/c Mgmt) Agri 1 Krishi Tatkaal Rin 2 Digital renewal of KCC Samarth Portal- Valuation 5 - CBDC Central Bank Digital Currency 6 e-SWAR- Soundbox for Bharat QR 5 Samarth Portal (15 modules under development) 7 Integrated Payment & Collection Services 8 CMS Auto Debit Mandate *Products Launched During Q2FY2024 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 34#35G20 pnb Lpnb 2023 INDIA Fogether TAN we can New Digital Offerings - 30 Processes & Portals 16 Processes 1 PNB One registration with Aadhaar 2 Digital Document Execution (NeSL) Lens 3 Account Aggregator in PNB LenS 4 Credit Card Saral App -Digital onboarding 5 UPI 123 - Feature Phone 6 Cash Withdrawal Through UPI 7 UPI Global - International Transactions 8 Rupay Credit Card on BHIM UPI 9 Safety Ring for Internet and Mobile Banking 10 QR Code through Internet and Mobile Banking 11 e-Mandate for Customers 12 PNB One Cash Point 1 Fintech Portal 14 Portals 2 Rinn Setu Portal for Co-Lending 3 Claim Settlement Portal 4 PNB Saathi Portal for Pensioners 5 API World (Application Programme Interface) $ 6 PNB 360 - Business Monitoring Tool 7 PNB PARTH-Portal for Tracking Ongoing Projects 8 Metaverse (Facebook) 9 Customer 360 Dashboard 10 360 Feedback UDAAN Portal 13 BHIM 2.0 (Recurring Mandate) 14 Digital KYC Updation 15 PNB Shoppe 16 Foreign Remittance Using PNB Net Banking Highlights Business Asset Financial Quality Share/ Capital 11 Leadership Coaching UDAAN Tool 12 Gyaan Kosh - Digital Library 13 Arambh - Go/No-Go Portal (Facilitating Immediate Credit Decision) 14 Free CIC For Checking Credit Score Digitalization HR/Network/GB/RRB ESG/ Award ון. IIII ப Page 35#36TAN fogether we can Numbers (in lakhs) Numbers (in Crore) Augmenting Digital Base 53% Y-o-Y Growth in No of Digital Transactions Sept'2023 (HY) G20 2023 INDIA 287 187 H1FY23 10% Y-o-Y Growth in Internet Banking Users 370 407 As on Sept'22 As on Sept'23 Numbers (in lakhs) H1FY24 18 % Y-o-Y Growth in Mobile Banking Users 14.04 Share of Digital Txn (%) Share of Other 85.96 Txns (%) Numbers of UPI Txn (in Crore) HY1FY24 UPI UNIFIED PAYMENTS INTERFACE 442 160.95 373 268.93 As on Sept'22 As on Sept'23 Sept'22 Sept'23 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 36 genb დის#37TAN fogether we can PNB ONE - Increasing penetration Sept' 22 Sept'23 Avg Daily Downloads (Quarter) 24K 36K G20 genb 20 დის Sept❜22 Sept❜23 Avg Daily Activation (Quarter) 20K 34K ONE Avg Daily Active Users (Quarter) 4.5 Lakh 7.7 Lakh Avg Daily Login (Quarter) 9 Lakh 15 Lakh Play Store Ratings 4.1 4.3 # Just one app As on Sept❜22 As on Sept❜23 No. of Users activated 69 Lakh 153 Lakh Highlights Business Financial Asset Quality Share/ Capital Digitalization Avg Daily Transactions (Quarter) 76K 143K HR/Network/GB/RRB ESG/ Award Page 37#38RIVAR gether we can TAN DIGITAL OFFERINGS pnb From small steps to big leaps Pre-Approved Personal Loan can make it happen! Loan upio 20 Lakhs vaPhone and corporate A Gelupo ishsin dis &nce OTP No Branch Mac Paperless Proce 999 icons pace in Call 18010000 Pre-Approved Personal Loan prib Cultivate your agriculture potential with PNB Krishi Tatkal Rin! Launched on 21.07.2022 4 Clicks & 2 CTPS umey dstuement 9264092640 Nature of car Term loan for years PNB Krishi Tatkal Rin [ლ]იის Freedom to meet your urgent cash needs Get an Overdraft (EOD) against Fixed Deposit through PNB One You can now svoll Overdraft limit/lean ales against Existing physical other thon online) Fis Paperless and Hassle-ree procedure Shape to ope Login to PN Cre->> acourts aga Cession of 0.25% high PNB Ore Launched on 22.03.2023 No ⚫F & Single 42K 863 Cr 37K 1064 Cr 1.21 Lakh 449 Cr 0.92 Lakh 344 Cr No. of Accounts Amt Sanctioned No. of Accounts June'23 Amt Sanctioned Sept'23 As on 30.06.2023 As on 30.09.3023 pnb G20 PNB MICRO RUPAY CREDIT CARD PNB Micro RuPay Credit Card Your key to premium benefits with flexibility! Credit Limit Max: 50000/- joining feel dosumentation wordprins Domestic & International lounge facility Ingan iarco of Virtual Credit Card. Bean & Pey Car: 18001302346 000 Launched on 30.08.2023 No. of Card Issued: 42,244 pob e- PM SVANidhi हमसे जुड़े व्यवसाय को बढ़ा पीएनबी के साथ, सपनों को हकीकत बनाएं। 000 म TH traff ftvarm G20 PNB e-PM SVANidhi Launched on 30.08.2023 No. of Accounts Sanctioned: 3095 onb eOD Against FD For Select Current A/c Holdere Launched on 12.08.2022 777 Cr 750 Cr 29K 24K G20 2003 genb დის Take your business to new heights with PNB Pre-Approved Business Loan! Pre-Approved Business Loan Launched on 12.04.2023 3609 143 Cr 2574 No. of Accounts Amt Sanctioned No. of Accounts As on 30.06.2023 As on 30.06.2023 As on 30.09.3023 pnb G2 Making shopping carts heavier with PNB Pre-Qualified Credit Card! mary surv (0) Zors joning leve Jean Mon Facilty to firk Pay Credl Cart on შიის 201 Cr Amt Sanctioned As on 30.09.3023 PNB Pre Qualified Credit Card NPA se lagta hai dar, e-OTS hai to kyun hogi fikar Scheme for NPA Accounts upto 10 Reduced Tum Around Time (TAT) Standard process across the country Improvat monitoring proces As on 31.3.2022 e-OTS Scheme Launched on 28.10.2022 No. of Cards Issued: 97,421 Highlights Business Financial Asset Quality Share/ Capital Digitalization DAYO Sette YourDuesWithers Launched on 06.12.2022 As on 30.09.2023 1321 Cr NPA O/s Settled 1.91 Lakh A/Cs HR/Network/GB/RRB ESG/ Award Page 38#39fogether TAN we can pnb Ye hai payment ki sanjeevani!! Now pay using UPI with Credit cards Stadion wit Credit Card on UPI pomsk Casio pye An only be PwCveti Classe L Available only on BHIM UPI App RUPAY CREDIT CARD ON BHIM PNB სიის Block Debit Card G20 It all starts with a HI 咆 Balance Inquiry Chequebook request E-Statement regletration on9264092640 wd an avall. Block CPI Mini Statement Scan QR code to connect on whatsapp with FNB One App Toll Free: 1800 1800 1800 2021 Available in 4 languages English, Hindi, Punjabi & Bengali. Taller (@=> DISABLE/BLOCK DEBIT CARD & UPI THROUGH WHATSAPP Stepe New Digital Initiatives मत 200 pnb No card? no worries! With cardless cash withdrawal Log Dre Lage to inseme Added Services Cand reed services Catlett.cash Steps at the ATM Ge is any PO ATM and select cartes cash Eese elence and auton pes of 100 and set TP of your choice A 12 digt ef ATM Ref ID CASH WITHDRAWAL USING UPI Highlights Business Financial pnb Go Cashless, Be Safe. BHIM PNB India's second largest public sector bank. Call 1-800-180-0272 1993 133-2222 Tall Pe pnb Tegeer for the beer G20 genb დის UPI INTERNATIONAL on BHIM PNB APP Integrated Payments and Collection Services for Corporate and Institutional Customers SHOPPING MADE EASY WITH PNB G2 E-marketplace to drive engagement by serving lifestyle needs Cheggout to bring 400+ merchants to provide lifestyle services across various categories დაის G24 Indulge in your heart's desires without worrying about the price tag with Insta EMI on PNB Credit Card With PNB Debit Card EMI Facility THE Category Key Merchants Multicategory Fashion & Lifestyle Shop Electronics croma SAMSUNG amazon Macia NIKE SHOPCLUES SHOPPERS STOP AJIO.COM ONEPLUS vy sales Lenovo Dil Khol Ke Food & amazon pantry Beverages Domino's SWIGGY Travel make trip Milerniel Card 6923 59XXX 03/2104/25 CAR HOLDERS NAME RuPay Max Loan upto *1 Lakh Flexibility of EMI upto 24 months Instant Digital Personal Loan | No Upfront Fee Zero Documentation Charges +TRCANIAS y goibibo QATAR cleartrip AirAsia vistaña Healthcare PharmEasy TATA 1mg HEALT ART Scan the code Scan here to apply for credit card *T&C Aph download PNS One Revenue from e-marketplace cannot be categorized under Para Banking Activities hence bank will be passing on the entire benefit customers PNB Shoppe (e-marketplace) launched on 12th April Asset Share/ Quality Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 39#40TAN fogether we can Data Analytics - The Future of Banking VALUE ADDITION ACROSS BUSINESS VERTICALS pnb Amt in Crore Business Generated in RAM through Analytical Leads 2300 7300 BUSINESS Use of analytics to increase product penetration. Customer profiling and hyper-personalisation. Transaction Based Leads for Retail products. Statement Analyzer RISK MITIGATION Early Warning Signal for Digital Loan. Fraud Detection & Prevention. Identification of Fraud Prone Branches. 818 (D): HY WAY FORWARD PROFITABILITY ML based Cash Retention Limit ✰ Revenue Gap Identification & Recovery. ✰ Customer Churn Prediction & Remedial Action Next Best Offer/ Next Best Action. COLLECTION & NPA MANAGEMENT Analytics Based Digital Collection Management System (Mechanism to prioritise collection efforts) Customer Family Tree HY1 FY'23 HY1 FY'24 ■RETAIL ■ AGRI MSME Significant business generated for Liability products & Third Party Products through Analytical Leads. OFFER ORCHESTRATION ENGINE Business conversion through experimental marketing campaigns across different channels AI CHATBOT Leveraging Natural Language Processing for understanding customer queries and generative Al to automate responses. DIGITAL JOURNEY FUNNEL IMPROVEMENT Analysing user interactions at each stage, identifying pain points and implementing strategies to enhance the overall user experience. FULL STACK ANALYTICS TOOL Fully integrated data and Al platform to accelerate Al- powered transformations and end-to-end deployment of models. Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page | 40#41TAN Lpnb fogether we can Clarity of roles & expectations from each employees with well-defined, measurable KRAS. ■ Roles Allocated to 31K+ Officers posted at Branches Role Clarity Tool HR Transformation Project UDAAN Developing the best version of you Comprehensive LDP to prepare future Bank leaders on behavioral aspects for 900+ Officers. ■LDP ongoing for Top Management Officials along with One-to-One Coaching Sessions. ■ Business Projects allocated to all Batches Leadership Development Program (LDP) ■ Reorientation of employees in terms of knowledge, skills & attitude ■ Job Family preferences received for 40K+ officers and allocation of same is under process over 9 Job Families. Job Family Clear G20 2023 INDIA tracking, measurement & visibility of performance metrics to identify improvement areas ■ Performance Dashboard & PMS Profiler Tools pilots launched in 3 zones. ■ Business target linked to the reality of local market through scientific tool. Performance Monitoring System Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page | 41#42TAN fogether we can As on 30.09.2023 Branches 115 7 (Domestic) 10092 ATM 12645 350 Distribution Network Total Touch Points :- 51519 f 20,48,067 BCs 28782 Delhi : 316 9120 YoY : 24.57% 39 294 718 729 in 1,22,519 YoY : 21.01% G20 2023 INDIA X 4,36,060 YoY : 32.15% |თის 10 9 You Tube 1659 297 5 704 26 23 1,56,000 YoY : 64.21% 1,74,708 46585 YoY : 70.06% YoY : 59.98% 70 9. 279 376 205 1147 182 Population group Wise Branches 343 International Business Branches at:- Dubai and Gift City, Gandhinagar 388 136 17 136 144 1728 17% Subsidiaries:-London (UK) and Bhutan 3905 39% Joint Venture:- Nepal 1998 Representative Offices:- Myanmar and Bangladesh 20% 2461 24% States having 244 • Andaman & Nicobar (4) Branches 100 > 187 Dadra & Nagar Haveli and Daman & Diu (5) ■ Rural ■Semi-Urban ■ Urban ■ Metro Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB ESG/ Award Page 42#43TAN fogether we can Subsidiaries Domestic Group Structure of the Bank Foreign PNB Domestic 1. PNB Cards & Services Ltd. - 100% 1. PNBIL, London - 100% 1. PNB Housing Finance Ltd - 28.14% 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 (CANH)– 23% 4. India SME Asset Reconstruction Co. Ltd - (ISARC) 20.90% Associates & Joint-Venture Foreign G20 2023 INDIA RRB მაის Everest Bank, Nepal- 20.03% 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 ESG/ Award Page 43 Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/GB/RRB#44TAN fogether we can Performance of Subsidiaries, Associates, Joint Venture & RRB's G20 2023 INDIA pnb Amt in Crore Name of the entity Results (3/6/9/12 M) Total Income Total Gross Expenses Profit Profit Net Performance of RRBs PNB Housing Finance Ltd Sept❜23 (6M) 3734 2454 1281 955 Consolidated Q2 FY'23 Position Sept❜22 Q2 FY'24 Sept 23 YOY PNB Investment Services Ltd. Sept❜23 (6M) 5.88 3.10 2.78 3 2.07 Business 189266 205822 8.75% PNB Cards & Services Limited Sept❜23 (6M) 7.18 5.88 1.30 0.93 Loans and PNB Gilts Ltd. Sept❜23 (6M) 737 714 23 17 67946 74912 10.25% advances PNB MetLife India Insurance Co. Ltd Sept❜23 (6M) 6247 6153 94 91 Deposits 121320 130910 7.90% Canara HSBC Life Insurance Co. Ltd Sept'23 (6M) 3526 3478 47 41 Capital Adequacy 11.79 12.39 60 bps PNB (International) Ltd. (London) (FY: 1st April to 31st March) Mar 23 (12M) 431 274 157 68 99 Ratio Total India SME Asset Reconstruction Co. Ltd June'23 (3M) 2.06 0.98 1 1.09 2813 3113 10.66% 0.82 Income Druk PNB Bank Ltd. (Bhutan) Operating Dec 22 (12M) 167 121 46 21 624 631 1.12% (FY : 1st January to 31st December) profit Everest Bank Ltd. (Nepal) July'23 (12M) 1502 1201 301 210 Net profit 60 115 91.67% (FY: 16th July to 15th July) Highlights Business Financial Asset Quality Share/ Capital ESG/ Digitalization HR/Network/GB/RRB Award Page | 44#45TAN fogether we can • Environmental - PNB Palaash Go Green Initiative of PNB Focus on Digital products 200 Kilowatt Peak (KWp) Roof top Solar Energy plant installed on Bank's Corporate Office, generating 2.14 lakh units Around 400 Smart Occupancy Sensors installed at HO Dwarka. PNB procures Energy Efficient & Bureau of Energy Efficiency (BEE) star rated electrical equipment's Sewage treatment plant of 125 Kilo Liters per day (KLD) is installed . • • Bank's ESG Highlights Lid Social 12 FTCs imparted training to 17.77 lakh persons till 30th Sept 2023. 175 FLCs conducted 1999 seminars programs and provided training to 70,771 persons during Q2 FY'24 76+ RSETIS imparting training to rural population. 28,790 persons were trained during Q2, FY'24. Of which, 80% of BPL families and 76.29% are women Under CSR policy, bank had taken various initiatives for disadvantaged and social strata of the society. • • III G20 2023 INDIA Governance Well defined policies and SOPs such as - Whistle Blower Policy Customer Rights Policy Equal Opportunity Policy Cyber Security Policy Lenb Technology driven Customer Grievance Redressal System for Timely & Faster resolution. Portal and Compliance Monitoring Tool. PNB SAMADHAAN for Grievance redressal of employees. New Enterprises Fraud Risk Management (EFRM) for prevention of unauthorized electronic banking transactions. ACCELERATING GREEN FINANCING Sanctioned since inception (Rs. Crores) Green Car Renewable Energy S Highlights Business Financial Asset Share/ Quality Capital Digitalization 357 18016 HR/Network/FI/GB ESG/ Award Page 45#46TAN fogether we can PNB Palaash - Go Green Initiative of PNB Awareness Programs Online Quiz for all Employees G20 2023 INDIA Collective Efforts სიის Digital Onboarding of Customers, eliminating Paper Documentation Newsletters Podcasts at Bank's Learning Portal Paryavaran Sankalp 90000+ employees took digital oath to protect environment Trainings 116 sessions 14 Training Centers 12000+ Employees Periodic Webinars on impact of Climate Change Environment Awareness Courses at Bank's Learning Green Initiatives underway... Support Portal Tree Plantation Drive 1 lakh+ Saplings planted by Bank Employees at Office & Public Spaces in one month Biodegradable Cover for FD receipts, to replace Plastic covers Refillable Glass Bottles instead of Single-use Plastic for Executive meetings at Head Office Employees volunteered for Car Pool & use of Public Transport Plastic Restriction Replaced Plastic Folders with Bio- degradable folders for Internal Use Paper Conservation Green Tree Plantation Save Energy Recycle Eco-friendly processes Businesses Pollution Control CO₂ Page 46#47fogether TAN we e can NEWS 18 PRESENTS GREEN RIBBON CHAMPIONS आरई RE Awards & Accolades G20 "भारत 2023 INDIA स्ट्रीयकृत बका/वित्ताय सस्थाना प्रथम पुरस्कार पंजाब नैशनल बैंक PNB felicitated with 'Green Ribbon Champions' award under the category- 'CSR Green Initiative of the Year' for planting more than 1 lakh trees under the project PNB Palaash. 17 757 マ वेब |თის एव किर frer AR Punjab National Bank was honoured with the Rajbhasha Kirti First Prize for the year 2022-23 at the Hindi Diwas Celebrations held during Third All India Official Language Conference 2023. The Bank was also awarded the Rajbhasha Kirti Second prize for the year 2022-23 for the in-house magazine PNB Pratibha. Highlights Business Financial Asset Quality Share/ Capital Digitalization HR/Network/FI/GB ESG/ Award Page 47#48fogether TAN we e can |აის Parameters Guidance for FY'24 Credit Growth % (YoY) 12% -13% Guidance vs Actuals for September'23 G20 2023 INDIA Actuals - Sept'23 (HY) 13.4% Actuals - June'23 14.6% Deposit Growth % (YoY) 10% - 11% 14.2% 9.7% CASA Share % 43% -44% 41.9% 42.2% Operating Profit (YOY) 10% -12% 10.9% 11.3% Net Interest Income (YOY) Around 10% 26.0% 22.8% NIM % Around 2.9% - 3.0% 3.08% 3.09% Gross NPA % Below 6% 7.73% 6.96% Net NPA % PCR % (incl TWO) Credit Cost Total Recovery Below 1% 1.98% 1.47% Around 90% 89.83% 91.91% 1.50% 1.75% 1.99% 1.67% Rs. 22,000 Crores Rs.5416 Crores Rs.10,949 Crores Page 48#49TAN fogether we can Disclaimer G20 2023 INDIA "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." იის Page 49#50TAN fogether we can LONE 72 Azadi ka Amrit Mahotsav G20 G20 2023 INDIA pnb of Banking now as easy as remembering these numbers 1800 1800 & 1800 2021 Our New Toll-Free Numbers PNB Customer Care Services with All Answers, All Solutions Easy to Recall, Give us a Call KEY SERVICES Issue/Block Debit Card and Other Related Requests Freeze Account TDS Certificate Requests Register for e-Statement EO Stop Payment of Cheques Follow us: Request/Check Status of Cheque Book issuance Block UPI/Retail and Corporate IBS/MBS Balance Enquiry & Last 5 Transactions Generate or Change ATM PIN Enable/Disable Your Card for Transactions* Know/Update Debit Card Transaction Limit *For POS, Contactless, ATM, E-commerce Liza za ob punjab national bank Thank You იის Page 50