#1FINANCIAL RESULTS Q1 FY'21 Follow our Official Page pnbindia f in 4 pnb जी.बी.सी. Oriental United#2TAN fogether we can pnb United Safe Harbor Oriental This presentation has been prepared by Punjab National Bank (the "Bank”) solely for information purposes, without targeting any specific objectives, financial situations or informational needs of any particular person. Except for the historical information contained herein, certain statements in this release may constitute "forward- looking statements". These statements are based on Management's current expectations and 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. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. PNB undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. Page 2#3TAN fogether we can Core Strengths of the Bank More than 125 Years of banking Experience Oriental pnb United PNB One: 'One for All' 'All for One' Unified Mobile application with advanced features High CASA Share 43.45% 37600 Touch Points: 10930 Branches, 13856 ATMs, 12814 BCs % pnbone # Just one app 125 SERVICE TO THE NATION 1195-2019 pnb Established Market Position 7.28% market share in deposits 6.80% market share in advances PAN India Presence Dedicated Workforce 101000 + Trust of 18 crore + customers Page 3#4TAN fogether we can Key Financial Highlights Q1 FY'21 Oriental pnb United Domestic Deposit 2.99% YoY Gr CASA Deposit 10.15% YoY Gr Gross Credit 721695 Crore ₹ Retail Loans 4.15% YoY Gr Operating Profit % NNPA + 5.39% 2.53% YoY Gr % 啊 CASA Share 43.45% Housing Loans 6.22% YoY Gr R PCR 80.75% Page 4#5TAN fogether we can Lpnb Content Slide N Oriental 1 Business Performance 6-25 2 Profitability 26-31 3 Asset Quality 32-40 4 Capital & Share Holding 41-43 5 Digitalization & Financial Inclusion 44-48 6 Covid-19 Measures 49-50 7 Subsidiaries, JVs, Associates & RRBs 51-62 8 Guidance & Way Forward 63-64 United Page 5 w.e.f April 1'2020 Oriental Bank of Commerce & United Bank of India has amalgamated with Punjab National Bank, Accordingly financials as on June 2019 & March 2020 are combined figures of three banks. The combined financials have been arrived by aggregation of audited numbers and do not entail any adjustments#6TAN fogether we can Business Parameters As on the Beginning of April 01,2020 Amalgamated Entity as on April 01, 2020 As on the Beginning of April 01,2020 Lpnb Oriental United Crore CRAR (AS PER BASEL-III) Global Deposit Out of Which Overseas Deposit 1071563 CET1 (%) Tier 1 (%) 17353 Tier 2 (%) Domestic Deposits 1054210 CRAR (%) Savings 372676 GOI Shareholdings (%) 9.17% 9.97% 2.35% 12.32% 85.59% Current 70289 CASA Deposits 442965 Non-Performing Assets As on the Beginning of April 01,2020 Casa ratio - Domestic (%) 42.01% Term Deposit 628598 Net NPA to Net Advances 5.45% Net Global Advances 696848 Gross NPA (Rs in Cr) 105165 Out of Which Net NPA (Rs in Cr) 37868 Domestic Advances 677527 Provision for NPA 67297 Overseas Advances 19321 Provision Coverage Ratio % 79.65% 1 Business Performance Page 6#7TAN fogether we can Business Performance As at 30th June 20 SI. Parameters Jun'19 Mar 20 Jun'20 YoY variation Amount % 1 Domestic Deposits 1013986 1054216 1044290 30304 3.0 Overseas Deposits 23262 17353 Global Deposits 1037248 1071569 30627 1074917 7365 31.7 37669 3.6 Current Deposits 63044 70296 Saving Deposits 348956 372676 66571 387245 38289 3527 5.6 11.0 CASA Deposits 411999 442971 453816 41817 10.1 Term Deposit 625249 628598 621101 -4148 -0.7 2 Gross Domestic Advances 695314 740838 702129 6815 1.0 Gross Overseas Advances 16485 21883 19566 3081 18.7 Gross Global Advances 711799 762721 721695 9896 1.4 3 Gross Domestic Business Gross Overseas Business Gross Global Business 1709301 39746 1749047 1795054 39237 1834290 1746419 50193 10447 1796612 47565 37118 2.2 26.3 2.7 1 Business Performance Oriental pnb United Crore Page 7#8TAN fogether we can Business Performance (Daily Average Basis) YoY Variation SI. Parameters Jun'19 Mar 20 Jun'20 Amt. % 1 Domestic Deposits 987144 1002878 1034105 46961 4.8 Overseas Deposits 20873 20785 25153 4280 20.5 Global Deposits 1008017 1023663 1059258 51241 5.1 Current Deposits 50059 49633 54097 4038 8.1 Saving Deposits 343807 352018 380893 37086 10.8 CASA Deposits 393866 401651 434989 41123 10.4 Term Deposit 614151 622012 624269 10118 1.6 2 Gross Domestic Advances 681788 674503 708049 26261 3.9 Gross Overseas Advances 16952 17165 20413 3461 20.4 Gross Global Advances 698740 691668 728461 29721 4.3 Lpnb Oriental United 3 Gross Domestic Business Gross Overseas Business Gross Global Business 1668933 1677381 1742154 73221 4.4 37825 1706758 37950 1715331 45566 7741 20.5 1787720 80962 4.7 1 Business Performance Crore Page 8#9TAN fogether we can Saving Deposit (* Crore) 348956 Jun'19 372676 Mar 20 Current Deposits (Crore) 63044 70296 387245 Jun'20 66571 Jun'19 Mar'20 Jun'20 1 CASA Share CASA % Share 42.01% 40.62% 43.45% Jun'19 Mar'20 Jun'20 Business Performance Lpnb Oriental United Crore Page 9#10TAN fogether we can Balance Sheet: PNB (Amalgamated entity) SI. Parameters 1st Apr 2020 30th Jun'20 CAPITAL & LIABILITIES 1 Capital 1882 2 Reserves and Surplus 83286 1882 84407 3 Deposits 1071563 1074917 4 Borrowings 66512 44471 5 Other Liabilities and Provisions 28147 26723 Total 1251390 1232401 ASSETS 1 Cash and Balances with RBI 2 Balances with Banks 3 Investments 4 Loans & Advances 5 Fixed Assets 6 Other Assets Total 53683 36174 52021 71722 371706 389754 696849 656197 11101 10987 66031 67567 1251390 1232401 1 Business Performance Lpnb Oriental United Crore Page 10#11fogether TAN we can SI. Parameters Advances Composition Oriental pnb United Crore YoY variation Jun'19 Mar'20 Jun'20 Amount % 124731 132016 129910 5179 4.2 1 Retail Loans Of which Regulatory Retail 96306 105989 104534 8228 8.5 Others 28425 26027 25377 -3048 -10.7 2 Agriculture & Allied 115947 116837 126219 10272 8.9 3 MSME 117638 117348 117692 54 RAM (3a+3b+3c) 358316 366201 373821 15505 4.3 RAM as % to total Dom advances 51.53 49.43 53.24 4 Corporate & Others 336998 374637 328308 -8690 -2.4 Gross Domestic Advances 695314 740838 702129 6815 1.0 1 Business Performance Page 11#12TAN fogether we can 47% Rs 3,28,308 cr Jun'20 Advances Composition Lpnb Oriental United Crore Retail Components Jun'19 Jun'20 YoY % 18% Rs 1,29,910 cr Housing 76982 81773 6.2 Mortgage 14038 14610 4.1 Rs 1,26,219 cr Car/Vehicle 8433 8601 2.0 18% Education 7474 7689 2.9 Personal 4787 5193 8.5 Others 13017 12045 -7.5 17% Total Retail 124731 129910 4.15 Rs 1,17,692 cr Retail Loans ■ Agriculture & Allied ■ MSME ■ Corporate & Others 1 Business Performance Page | 12#13TAN fogether we can MSME Lending portfolio Geographical Mix Book by Loan Size 13% 11% ■NORTH WEST 16% ■SOUTH 60% 8 EAST Bank has maximum exposure in Northern States of India 26 8 58 Lpnb Oriental United Crore Upto 5 crore 5 cr-10 cr 10 cr-25 cr More than 25 cr Maximum MSME portfolio of Bank is in smaller valued accounts. MSME Portfolio Jun'19 Jun'20 MSME Portfolio Jun'19 Jun'20 Secured 93% 97% Short Term 68% 72% Unsecured 7% 3% Long Term 32% 28% 1 Business Performance Page 13#14TAN fogether we can Segment Mix 43% 12% MSME Lending portfolio Mudra Loans Q1 FY20 Q1 FY21 ■Micro ■Small Amount Sanctioned 2314 2362 ■Medium Amount Disbursed 1557 1283 45% Achievement % Disb to sanctions 67.26 54.33 Lpnb Oriental United Crore Standup India Since Inception Q1 FY21 No. of A/Cs Amt. Sanc. No. of A/Cs Amt. Sanc. Bank has maximum exposure in MSE sector to boost priority sector credit. 17165 3694 203 48 1 Business Performance Page 14#15TAN fogether we can Priority Sector National YoY Variation SI. Parameters Jun'19 Mar'20* Jun'20 Goals Amt. % ANBC 640683 675616 672161 31478 4.91 1 Priority Sector 263942 286691 270558 6616 2.51 % to ANBC 40% 41.20 42.43 40.25 2 Agriculture (PS) 110638 115300 118527 7889 7.13 % to ANBC 18% 17.27 17.07 17.63 3 Small and Marginal Farmers 55696 59110 56943 1247 2.24 % to ANBC 8% 8.69 8.75 8.47 4 Weaker Section 74812 76755 73981 -831 -1.11 % to ANBC 10% 11.68 11.36 11.01 5 Women Beneficiaries 42085 45088 43619 1534 3.65 % to ANBC 5% 6.57 6.67 6.49 6 Micro Enterprises (PS) 53043 55741 53545 502 0.95 % to ANBC 7.5% 8.28 8.25 7.97 1 *0/s figure is as on 31.03.20 and % Ach. is on Quarterly Annual Average Basis. Business Performance Oriental pnb United Crore Page 15#16fogether TAN we can External Rating Outstanding Portfolio Lpnb Oriental United Crore SI Rating Grade Jun'19 % Share Mar'20 % Share Jun'20 % Share 1 AAA & AAA+ 77651 102671 70050 Risk Weight wise Portfolio 2 AA 55790 57.6 67682 65.7 56606 57.6 3 A 46331 43348 32153 76.0 76.7 69.3 4 BBB 35929 11.5 38674 11.9 37829 13.7 Total BBB & Above 215701 69.1 252375 77.6 196638 71.3 5 BB 26184 24034 22206 6 B 7409 11.0 10398 10.8 10467 12.0 30.7 24.0 23.3 7 C 673 601 174 8 D 20414 6.5 10936 3.4 7487 2.7 Total BB & Below 54680 17.5 45969 14.1 40334 14.7 9 Unrated 41554 13.3 26941 8.3 38607 14.0 Jun'19 Mar'20 100% & Below risk weight Jun'20 Total 311935 325285 275579 1 More than 100% risk weight Exposure after risk mitigation Business Performance Page 16#17TAN fogether we can Diversified Industry Portfolio Oriental Jun'19 Mar'20 Jun'20 YoY variation SI. Parameters % to Total o/s o/s o/s % Portfolio 2 123 1 Food Processing 12563 14237 11895 5.8 -5.3 Textiles 15379 10025 13199 6.4 -14.2 3 Chemical & Chemical Products 7666 18662 8079 3.9 5.4 45 4 Cement & Cement Products 2369 1546 1800 0.9 -24.0 5 Basic Metal & Metal Products 31733 31199 34146 16.6 7.6 -Iron & Steel 29067 28836 31539 15.4 8.5 67 Paper & paper products 1777 1085 1712 0.8 -3.7 Petroleum 4328 4611 4924 2.4 13.8 8 Engineering 8207 5415 7787 3.8 -5.1 9 Vehicles & Vehicle parts 2683 1790 2185 1.1 -18.6 10 Construction 3991 2955 2791 1.4 -30.1 11 Infrastructure 100030 88306 89659 43.7 -10.4 -Power -Tele-Communication -Roads & Ports -Others 53401 41679 43709 21.3 -18.1 15876 15556 17555 8.6 10.6 21743 25424 23143 11.3 6.4 9011 5648 5252 2.6 -41.7 12 Others Total 57409 248135 34651 27136 13.2 -52.7 214485 205314 100 -17.3 1 Business Performance pnb United Crore Page 17#18TAN fogether we can NBFC Breakup 12093 69072 NBFC as on 30.06.2020 NBFC Breakup 3369 1 4747 4 100 Housing Finance Lig AAA AA Pvt Sector Public Sector External Rating wise portfolio NBFC O/S 40448 28238 % Share 49.8 34.8 4192 5.2 BBB & Below Total 10.2 A 8287 81165 Others HFC 25 75 Others 1 100 Business Performance Lpnb Oriental United Crore Pvt Sector Public Sector ■ Pvt Sector Public Sector Page 18#19TAN fogether we can 4847 Telecom Sector & Power Sectoras on 30.06.2020 Lpnb Oriental United Telecom Sector Classification 12708 Pvt Sector Public Sector External Rating Std Portfolio 1000 1718 0 Power Sector Classification External Rating of standard portfolio 1154 5318 10575 2652 9 9409 ■ A & Above B 15360 Crore IA & Above BBB,BB & B Pvt Sector Public Sector ■ C & D Unrated 1 Business Performance Page 19#20Crore fogether we can Exposure(FB-NFB) to Sensitive Sector & Concentration Risk Oriental pnb United TAN YoY Variation SI. Sensitive Sector Jun'19 Mar'20 Jun'20 Amt. % 1 Capital Market 5471 5329 4135 -1336 -24.4 2 Commercial Real Estate 21598 24159 23859 2261 10.5 3 NBFC 74495 94138 98490 23995 32.2 of which HFC 23952 36223 33691 9739 40.7 4 Aviation 8437 5337 5774 -2663 -31.6 SI. Concentration Risk Jun'19 Mar'20 Jun'20 1 Exposure to top 20 Borrowers as % of total Exposure 16.51 17.36 17.16 2 Exposure to top 10 Groups as % of total Exposure 12.50 12.41 12.96 1 Business Performance Page | 20#21TAN fogether we can SI. Regulatory Bifurcation of Advances Parameters Lpnb Oriental United YoY Variation Jun'19 Mar'20 Jun'20 Amt. % 259386 269307 263307 3921 1.5 Crore 1 Regulatory Retail (< Rs 5 Crore) 2 Corporate Total 435928 471530 438822 2894 0.7 2a Corporate (> Rs 250 Crore) 296788 338434 308211 11423 3.8 2b Corporate (> Rs 50 Crore & < Rs 250 Crore) 78764 74991 70021 -8743 -11.1 2c Corporate (> Rs 10 Crore & < Rs 50 Crore) 44413 42621 44339 -74 -0.2 2d Others (> Rs 5 Crore& < Rs 10 Crore) 15964 15483 16251 287 1.8 3 Gross Domestic Advances (1+2) 695315 740837 702129 6814 1.0 1 Business Performance Page 21#22TAN fogether we can Advances Mix of Benchmark Rate (%) Lpnb Oriental United 3.6 0.0 3.3 3.7 2.0 6.0 61.0 62.2 60.0 0.5 0.4 0.4 17.4 18.1 19.3 17.5 12.3 12.3 Jun'19 Mar'20 Jun'20 Base rate Fixed rate BPLR MCLR ■RLLR ■Foreign currency loan and other 1 Business Performance Crore Page 22#23TAN fogether we can Investment Portfolio Lpnb Oriental United Crore YoY Variation SI. Parameters Jun'19 Mar'20 Jun'20 Amt. % 1 Domestic Investment 341240 371167 388529 47289 13.9 a SLR 234540 253109 274206 39666 16.9 b Non SLR 106700 118058 114323 7623 7.2 SLR as % to Dom. Investment 68.73 68.19 70.57 | Held To Maturity (HTM) 226759 250951 259465 32706 14.4 || Available For Sale (AFS) 114280 120211 127997 13717 12.0 III 2 Held For trading (HFT) Duration (AFS+HFT) 201 5 1067 866 430.8 3.09 3.35 3.17 3 Modified Duration (AFS+HFT) 2.96 3.22 3.06 4 Net demand & time Liabilities 1017297 1080263 1055284 37987 3.7 5 Investment by Overseas Branches 6509 7084 7059 550 8.4 6 Total Gross Investment (1+5) 347749 378251 395588 47839 13.8 SLR HTM to Total SLR (%) 77.49 74.28 69.51 HTM To Investment (%) 65.21 66.35 65.59 1 Business Performance Page 23#24TAN fogether we can Non SLR Portfolio Oriental pnb United Y-o-Y Variation Crore Jun'19 Mar'20 Jun'20 SI. Parameters O/S % Share o/s % Share O/S % Share Amt Gr. % 1 PSU Bonds 18636 17.5 15898 13.5 20164 17.6 1528 8.2 Corporate and Other Bonds & 2 21580 20.2 14937 12.7 12331 10.8 -9249 -42.8 Debentures 3 Special Govt. Sec excl. Recap Bonds 975 0.9 1217 1.0 1394 1.2 419 43.0 4 CG Recap. Bond 37856 35.5 55274 46.8 55274 48.4 17418 46.01 5 Share of PSU/Corporate/Others 9525 8.9 9035 7.7 8935 7.8 -590 -6.2 6 Venture Capital Fund 349 0.3 338 0.3 336 0.3 -13 -3.7 7 Regional Rural Bank 489 0.5 599 0.5 599 0.5 110 22.5 8 Security Receipts 2555 2.4 2453 2.1 2439 2.1 -116 -4.5 9 Subsidiaries JV 3145 3.0 3196 2.7 3196 2.8 51 1.6 10 Other Total Non SLR Investment 11592 10.9 15113 12.8 9656 8.5 -1936 -16.7 106701 100 118058 100 114323 100 7622 7.1 1 Business Performance Page 24#25fogether we can TLTRO 1.0/TLRTO 2.0/ Partial Credit Guarantee Lpnb Oriental United TAN TLTRO 1.0 book value Corporate NBFC MFI Below Rs 500 Cr. - Rs 500 Rs 5000 Cr. Above Rs 5000 Cr. Total TLTRO 2.0 book (NBFC) EPCGS AAA Grand Total 1085 1085 1634 1634 Grand Total 100 125 500 725 Grand Total 825 NBFC Investments to the tune of Rs 225 cr have been invested under TLTRO 2.0 and covered under Extended PCGS also 1 Business Performance Crore Page 25#26TAN fogether we can Income YoY Variation SI. Parameters Q1' FY20 Q4' FY20 Q1' FY21 Amt. % 1 Interest Income (2+3+4) 20381 21028 20605 224 1.1 2 Interest on Advances 13672 14047 13919 247 1.8 3 Interest on Investments 5934 6105 6060 126 2.1 4 Other Interest Income 774 877 626 -148 -19.1 5 Other Income (6+7+8+9) 3419 4035 3688 269 7.9 of which 6 Fee Based Income 1769 1706 1653 -116 -6.6 7 Recovery in Written off a/cs 592 1453 719 127 21.4 8 Trading Profit 1044 831 1308 264 25.3 9 Others 14 45 8 -6 -41.8 10 Total Income (1+5) 23800 25063 24293 493 2.1 2 Profitability Oriental pnb United Crore Page 26#27TAN fogether we can SI. Fee Based Income YoY Variation Parameters Q1' FY20 Q4' FY20 Q1' FY21 Amt. % Oriental pnb United Fee Based Income 1769 1706 1653 -116 -6.6 1 Processing Fees 571 273 520 -51 -8.9 2 LC/LG Income 204 218 229 25 12.2 3 Income from Ins & MF 68 103 69 1 2.2 4 Govt. Business 36 62 31 -5 -12.9 5 Exchange Profit 190 175 152 -38 -19.9 6 Misc. Fee Income 701 874 651 -50 -7.1 2 Profitability Crore Page 27#28TAN fogether we can Expenses YoY Variation SI. Parameters Q1' FY20 Q4' FY20 Q1' FY21 Amt. % 1 Total Interest Paid (2+3+4) 2 Intt. Paid on Deposits 3 Intt. Paid on Borrowings 4 Others 14140 14218 13856 -284 -2.0 13473 13364 13030 -443 -3.3 136 338 296 160 116.9 531 516 530 -1 -0.2 Oriental pnb United Crore 5 Operating Expenses (6+7) 4510 8972 5156 646 14.3 6 Estab. Expenses 2770 6753 3307 537 19.4 Of Which Employee Benefits (AS-15) 330 1511 750 420 127.6 7 Other Operating Expenses 1740 2219 1849 109 6.3 8 Total Expenses (1+5) 18650 23190 19013 363 1.9 2 Profitability Page 28#29TAN fogether we can Profit & Provisions YoY Variation SI. Parameters Q1' FY20 Q4' FY20 Q1' FY21 Amt. % 1 Net Interest Income 6240 6810 6748 508 8.1 2 Other Income 3419 4035 3688 269 7.9 3 Operating Income 9660 10845 10436 776 8.0 4 Operating Expenses 4510 8972 5156 646 14.3 5 Operating Profit 5150 1872 5280 130 2.5 6 Provisions 3940 12005 4972 1032 26.2 Of which NPAs 3427 9698 4836 1409 41.1 Standard Advances incl. Std. 232 739 520 288 124.3 Restructured Depreciation on Investment -108 -208 -745 -637 586.8 Income Tax 509 -430 286 -223 -43.9 Others -120 2207 74 194 -161.7 7 Net Profit 2 1210 -10133 308 -902 Profitability Lpnb Oriental United Crore Page 29#30TAN fogether we can Profitability & Productivity Ratios Oriental pnb United SI. Profitability Ratios Q1' FY20 Q4' FY20 Annualized % Q1' FY21 1 Return on Assets [%] 0.40 -3.03 0.09 2 Staff Cost to Income Ratio [%] 28.67 62.27 31.69 3 Other Cost to Income Ratio [%] 18.01 20.46 17.72 4 Cost to Income Ratio [%] 46.68 82.73 49.41 5 Opt. Profit to AWF [%] 1.65 0.56 1.59 6 Opt. Exp. To AWF [%] 1.45 2.68 1.55 7 Earnings per share [*] (Not Annualized) 0.33 8 Book Value per Share [*] 53.18 SI. Productivity Ratios Jun'19 Mar'20 Jun'20 1 Business per Employee 1733 1888 1873 2 Business per Branch 15581 16781 16434 3 Operating Profit per Employee 20.41 7.71 22.01 4 Operating Profit per Branch 188 69 193 2 Profitability Page 30#31TAN fogether we can Cost of Deposit - Global [%] Cost & Yield Ratios (QI) Cost of Funds -Global [%] pnb Oriental United Annualized % Yield on Investment - Global [%] 5.35 Q1 FY20 4.92 Q1 FY21 Yield on Advances - Global [%] 7.83 7.64 Q1 FY20 Q1 FY21 2 4.53 Q1 FY20 6.83 4.18 6.50 Q1 FY21 Q1 FY20 Q1 FY21 Yield on Funds - Global [%] NIM [%] 6.54 2.55 2.59 6.21 2.47 2.50 Q1 FY20 Q1 FY21 Profitability Q1 FY20 Q1 FY21 NIM (Domestic) [%] ■NIM (Global) [%] Page 31#32TAN fogether we can SI. NPA Ratios Parameters Jun'19 Mar’20 Jun'20 1 Gross NPA (%) 2 Net NPA (%) 3 Provision Coverage Ratio (%) 15.49 13.79 14.11 6.97 5.51 5.39 70.37 79.40 80.75 NPA Ratios 15.49 4 Provision Coverage Ratio (%) (Exc TWO) 59.18 13.79 14.11 63.57 65.34 6.96 5.51 5.39 5 Slippage Ratio (%) 6 Credit Cost (%) 3 79.4 80.75 70.37 Oriental pnb United 4.53 4.84 1.51 Gross NPA (%) Net NPA (%) Provision Coverage Ratio (%) 1.83 3.22 2.50 Jun'19 Mar'20 Jun'20 Asset Quality Page 32#33TAN fogether we can Movement of NPA sl. Parameters Jun'19 (Q1FY20) (Q4FY20) Mar'20 FY20 Jun'20 (Q1FY21) 1 NPA as at the beginning of Year/Quarter 112243 109900 112243 105165 2 -Cash Recovery 2960 4066 14289 1069 3 -Up-gradation 1824 1311 2709 603 4 -Write Off 4413 6451 21005 4120 5 Total Reduction (2+3+4) 9197 11828 38002 5792 6 Fresh Addition 7230 7093 30924 2476 -Fresh slippages 6400 6161 27562 1917 -Debits in existing NPA A/cs 830 932 3362 558 7 Gross NPAs at end of the period 110276 105165 105165 101849 8 Eligible Deductions incl. Provisions 65257 66846 66846 66546 9 Net NPAs 45019 38320 38320 35303 10 Recovery in written-off A/cs 640 1453 4334 719 3 Asset Quality Lpnb Oriental United Crore Page 33#34TAN fogether we can SI. Asset Classification: Advance Lpnb Oriental United Crore Jun'19 Mar'20 Jun'20 YoY Variation Parameters o/s Share% O/S Share% O/S Share% Amt. Var. % 601522 84.5 657556 86.2 619846 85.9 18324 3.0 1 Standard 2 Gross NPA 110276 15.5 105165 13.8 101849 14.1 -8427 -7.6 2a Sub-Standard 2b Doubtful 19491 2.7 18932 2.5 15366 2.1 -4125 -21.2 75483 10.6 70705 9.3 70619 9.8 -4864 -6.4 2c Loss 15303 2.1 15528 2.0 15864 2.2 561 3.7 Total Advances(1+2) 711799 100.0 762721 100.0 721695 100.0 9896 1.4 3 Asset Quality Page 34#35TAN fogether we can NPA Classification: Sector Wise Lpnb Oriental United Crore Jun'19 Mar'20 Jun'20 SI. Parameters Slippages GNPA GNPA% GNPA GNPA% Slippages (Q) GNPA GNPA% (Q) 1 Retail Loans 4197 3.4 4601 3.5 575 4458 3.4 107 2 Agriculture & Allied (PS+NPS) 16885 14.6 18281 15.6 1734 19132 15.2 121 3 MSME 13957 11.9 19748 16.8 2301 17389 14.8 472 4 Corporate & Others 73734 21.9 60857 16.2 1551 58328 17.8 441 Domestic Advances 108773 15.6 103487 14.0 6161 99307 14.1 1141 Overseas Advances 1503 9.1 1678 7.7 0 2542 13.0 776 Global Gross Advances 110276 15.5 105165 13.8 6161 101849 14.1 1917 Jun'19 Mar'20 Jun'20 SI. Parameters 1 Total Retail Credit GNPA GNPA% GNPA GNPA% GNPA GNPA% 4197 3.4 4474 3.4 4458 3.4 of which 4569 2 Housing 3 Mortgage 4 Car/Vehicle 2216 2.9 2383 2.8 2354 2.9 444 3.2 370 3.2 541 3.7 476 5.6 479 5.5 472 5.5 7 Education Personal Others 882 11.8 878 11.3 889 11.6 117 2.4 132 2.5 142 2.7 63 0.5 232 1.5 61 0.5 3 Asset Quality Page | 35#36TAN fogether we can Exposure to NCLT accounts: 30th June 2020 SI. Parameters 1 RBI list 1 2 RBI list 2 3 Filed by other Lenders 4 Filed by PNB 5 Total 100.0% IO/S Amount Provision Coverage (%) Accounts Balance Provision PCR% 5 10647 10647 100.0% 12 5791 5791 100.0% 353 50624 45712 90.3% 136 10701 10245 95.7% 506 77763 72395 93.1% 100.0% 90.3% 95.7% 50624 93.1% 77763 10647 5791 10701 RBI 1 List RBI 2 List Account Filed by PNB and Admitted Accounts Filed by Other Banks / FI/Operational Creditors Total 3 Asset Quality Lpnb Oriental United Crore Page 36#37TAN fogether we can Standard Restructured Advances SI Movement of Std. Restructured Advances A Opening Balance B Total Addition Mar'20 Jun'20 4914 2236 1058 70 771 53 287 17 3736 504 85 1514 1 1718 2236 2 2298 2 C 1 2 3 1 Fresh Restructuring Up-gradation Reduction In eligible Down-gradation to NPA Exit/Failure Closing Balance (A+B-C) SI. Sector wise Std. Restructured Mar'20 A Retail Loans B Agriculture & Allied C MSME D Corporate & Others Total One Time Restructuring of advances - MSME Accounts Restructured 3 49247 Asset Quality Jun'20 2067 2112 160 177 9 9 2236 2298 Amount 2689 Provisions 134 Lpnb Oriental United Crore Page 37#38TAN fogether we can NPA classification: Industry wise Lpnb Oriental United Crore YoY variation Jun'19 Mar'20 Jun'20 SI. Parameters GNPA GNPA% GNPA GNPA% GNPA GNPA% Amount 1 Food Processing 2900 23.1 4158 29.2 2812 23.6 -88 2 Textiles 3339 21.7 3397 33.9 3211 24.3 -128 3 Chemical & Chemical Products 1327 17.3 1188 6.4 1132 14.0 -195 45 4 Cement & Cement Products 1045 44.1 307 19.9 1031 57.3 -14 Basic Metal & Metal Products 14786 46.6 11195 35.9 10986 32.2 -3800 -Iron & Steel 13908 47.8 10283 35.7 10129 32.1 -3779 6 Paper & paper products 187 10.5 150 13.8 133 7.8 -54 7 Petroleum 356 8.2 369 8.0 383 7.8 27 8 Engineering 2634 32.1 2861 52.8 2795 35.9 161 9 Vehicles & Vehicle parts 1437 53.6 1044 58.3 1013 46.4 -424 10 Construction 1417 35.5 1167 39.5 1223 43.8 -194 11 Infrastructure -Power -Tele-Communication -Roads & Ports -Others 12 Others Total 35361 35.4 23192 26.3 22576 25.2 -12785 21724 40.7 12598 30.2 12468 28.5 -9256 5728 36.1 3682 23.7 4910 28.0 -818 5285 24.3 5997 23.6 4457 19.3 -828 2624 29.1 915 16.2 741 14.1 -1883 13928 24.3 13037 37.6 9224 34.0 -4704 78717 31.7 62065 28.9 56519 27.5 -22198 3 Asset Quality Page 38#39TAN fogether we can NBFC NPA in Key Sectors Power 76895 31241 4270 ■NPA Standard 12468 NPA Standard 3 Asset Quality Telecom 12644 4910 NPA Standard Lpnb Oriental United Crore Page 39#40TAN fogether we can Parameter SMA2 Position of SMA 2 Jun'19 Mar'20 Jun'20 36284 15078 10641 SMA2 as % to Dom. Advances 5.20 2.04 1.51 Retail 7140 2797 993 MSME 12396 3141 3130 Agriculture 4458 4261 4595 Corporate & Others 12290 4879 1923 3 Asset Quality Lpnb Oriental United Crore Page 40#41TAN fogether we can Capital Adequacy (Basel III) SI. Parameters 1st Apr❜20 Jun'20 1 Tier I 62467 63745 Common Equity 57419 58697 10.25 9.97 Additional Tier I 5048 5048 2 Tier II 14707 14781 3 Total (Tier I+II) 77174 78526 4 Risk-weighted Assets 626278 621981 CRAR Lpnb Oriental United Crore 12.63 12.32 1 Tier 1 % 9.97 10.25 2.35 2.38 Common Equity % 9.17 9.44 Additional Tier 1 % 0.81 0.81 Tier 1 % Tier II % Total 2 Tier II % 2.35 2.38 1st Apr 20 Jun'20 3 Total (Tier I+11) % 12.32 12.63 4 Capital & Share Holding Page 41#42TAN fogether we can SI. 1 Credit RWA Capital Optimization Parameters Of which Credit RWA (FB) Market RWAS 2 3 Operational RWAS 4 Total RWAs Oriental pnb United Jun'20 Crore Jun'19 Mar'20 491660 501427 497376 402262 401439 374105 53041 54954 59052 61732 63187 65553 606434 619568 621981 5 Global Credit Exposure 811671 882881 842843 6 Credit Exposure (Domestic FB) 772750 835320 769441 7 RWA/Advances 73% 70% 74% 8 Credit RWA Density (Domestic FB) 54% 50% 49% 9 Total NFB O/S 10 NFB RWA 11 Leverage Ratio 94492 108604 73401 33128 37433 31896 4 Capital & Share Holding 4.30 4.97 4.95 Page 42#43TAN fogether we can Share holding Pattern 4.8% 30th June'20 1.9%0.8% Oriental pnb United 2.1% 4.8% 85.6% ■Fls/Banks/Insurance Mutual Funds ■Govt. of India ■Resident Individual ■Fils 4 ■Non-institutions Capital & Share Holding Page 43#44TAN fogether we can UPI txns 19.16 Crore YoY Gr 76% Expanding Digital Footprints PIHU PNB's Instant Help for you Available on IBS & MBS ABA POS Total Installed 88204 YoY:17.78% Internet Banking * Users Crossed 233.03 Lakh 2002 pnb PLATINUM Credit Card 6528 58XX XXXX XXXX 09/16 08/23 DEV KUMAR Total issued RuPay CREDIT 355209 RUPEE DIGITAL CURRENCY PNB E-Rupaya Digital Solution in Villages without internet connectivity 5 BHARATQR #R Digitalization & Financial Inclusion Bharat/BHIM QR Code Total Installed 173958 YoY Gr: 139% pnb Oriental United Page 44#45fogether TAN e can we Q1 FY'20 Q1 FY'21 SI. Digital Transactions Txn (in lakhs) % Share to Total Digital Transactions Oriental pnb United 51% of financial transactions are through ADC in Q1 FY21 % Share to Total Txn (in lakhs) Digital Txn Digital Txn 1 Internet Banking 70.1 2.93 58.7 Transaction share% 1.52 2 Mobile Banking 13.7 0.57 22.2 0.58 3 AEPS 309.4 12.92 664.4 17.20 4 Debit Card 433.0 18.08 501.8 12.99 40% 49% 5 UPI 1084.6 45.29 1916.8 49.61 6 IMPS 50.1 2.09 51.3 1.33 7 NACH 226.1 9.44 500.7 12.96 11% 8 Credit Card 20.2 0.84 0.3 0.01 9 NEFT/RTGS 187.6 7.83 147.4 3.82 ■Digital Transaction ATM Withdrawl Other Transaction 5 Digitalization & Financial Inclusion Page 45#46TAN fogether we can Financial Inclusion: Profitable Business Proposition PMJDY Accounts 379 No. in Lakhs 385 No. of DBT Txns (Quarterly) No. in Lakhs Oriental pnb United June'19 312 June'20 June'19 PMJDY Avg. Balance 4513 Amt. in 4070 384 June'20 Deposit Mobilized by BCs 8923 Amt. in Crore 11291 June'19 June'20 June'19 June'20 sl. Jansuraksha Schemes Enrollment Up To Jun'19 Jun'20 21.7 31.3 1 Pradhan Mantri Jeevan Jyoti Bima Yojana 2 3 Pradhan Mantri Suraksha Bima Yojana Atal Pension Yojana 112.6 143.5 9.1 11.4 5 Digitalization & Financial Inclusion No. in Lac Page 46#47TAN fogether we can 122/107 4/4 372/453 46/91 1088/1066 330/494 783/852 360/899 Pan India Presence No. of Branches / No. of ATMs 10930 / 13856 8/4 759/966 1778/2246 723/826 10/10 329/387 29/17 5/4 232/281 23/29 387/535 287/250 199/304 371/450 1218/1429 68/93 9/10 2/2 3/3 420/551 140/194 19/23 134/167 164/185 8/11 276/345 200/243 UT 5 pnb Oriental United Population Group wise Break up of Dom. branches 1971 3930 2277 Rural Semi-Urban ■ Urban III Branches 10930 T 4/3 Digitalization & Financial Inclusion Metro 2752 ATM 13856 BCs 12814 Page 47#48TAN fogether we can f 9,22,112 You Tube 24,725 Social Media Presence in 57,624 1,54,225 O. 35,049 5 Digitalization & Financial Inclusion Page 48 Oriental pnb United#49TAN fogether we can Covid-19 Measures Moratorium Availed No of Accounts O/S Amount Lpnb Oriental United Crore % of availed % of availed SI. Parameters Total No of Accs Moratorium Total O/S Availed Accs to total availed Accs Amount Amount Accs Amount to total Amount 1 Retail 1702144 444171 26.1 128877 33684 26.1 2 Agriculture 3883508 1193135 30.7 94563 31143 32.9 3 MSME 1105480 369087 33.4 99759 37776 37.9 4 Corporate & Others 161295 10887 6.7 255133 66184 25.9 5 Total 6852427 2017280 29.4 578332 168787 29.2 Sl. 1 2 GECL Emergency Credit Line Parameters Credit Support No of Accs Amount 55365 2333 381622 7745 6 COVID-19 Measures Page 49#50TAN fogether we can Employees and Operations COVID-19 Measures Customers Covid-19 Relief Measures Oriental pnb United •Dedicated work force to ensure opening of maximum branches •Work from Home were Exercised wherever feasible •Social Distancing practiced to the greatest possible extent •Bank's operations were intact during lockdown •Annual General Meeting / Conferences are now held through video conference or other electronics mode. •Under the campaign 'DIGITAL APNAYEN', Bank to contribute towards the PM CARES Fund on behalf of each customer conducting the first financial transaction. • • • . • Special Credit Scheme launched: PNB Sahyog COVID for Personal Loan PNB Aabhar COVID for Pensioners PM Street Vendor's Atma NirbharNidhi PNB Covid-19 Emergency Credit Facility (CECF) Guaranteed emergency credit line (GECL) Liberalized working capital assessment PNB Kisan Tatkal Rin Yojana SHG Covid Tatkal Sahayata Rin COVID-19 relief under CSR: Particulars Contribution to PM-CARES fund Distribution of ration kits in Andhra Pradesh Amt 300 lakh 7 lakh Contribution Minister Relief fund in Uttar Pradesh, Maharashtra and Bihar Distribution of Food kits Contribution to COVID relief fund in Himachal Pradesh to Chief 85 lakh 1 lakh 1 lakh Contribution to CM relief fund in Chandigarh, Punjab, Delhi and 135 lakh Jharkhand 6 COVID-19 Measures Page 50#51TAN Type Name of the entity Country of Incorporation fogether we can Performance of Subsidiaries, Joint Venture and Associates Lpnb Oriental United Crore Proportion of Ownership% Results (3/6/9/12 M) Total Total Gross Income Expenses Profit Profit Net Associates PNB MetLife India Insurance Co. Ltd India 30.00 June-20 (3M) 1672 1630 42 38 Associates PNB Housing Finance LTD India 32.65 June-20 (3M) 1872 1543 329 257 Subsidiaries PNB (International) Ltd. UK 100.00 June-20 (3M) 69 62 7 2 Subsidiaries PNB Gilts Ltd. India 74.07 June-20 (3M) 492 111 381 284 Subsidiaries PNB Investment Services Ltd. India 100.00 Mar-20 (12M) 8 7 1 1 Subsidiaries Druk PNB Bank Ltd. Bhutan 51.00 Dec-19 (12M) 120 81 39 20 JV Everest Bank Ltd. Nepal 20.03 July'19 April 20 (9M) 248 173 75 53 Associates JSC Tengri Bank. Kazakhstan 41.64 Dec-19 (12 M) 320 347 -27 -27 Associate Canara HSBC OBC Life Insurance Co. Ltd India 23.00 June-20 (3M) 2001 1997 4 4 Associate India SME Asset Reconstruction Co. Ltd India 20.90 Mar-20 (12 M) 10 17 -7 -8 RRBs Consolidated India 35.00 Jun 20 (Q1 FY21) 2971 2435 535 325 7 Subsidiaries, Associates, JVs & RRBs Page 51#52TAN fogether we can PNB MetLife India Insurance Co. Ltd. pnb MetLife Lpnb Oriental Crore United Total Income Total Expenses Gross Profit Net Profit Solvency Ratio Parameter Q1 FY20 (Audited) 7 Subsidiaries, Associates, JVs & RRBs Q4 FY20 Q1 FY21 (Audited) (Audited) 1313 1141 1672 1286 1094 1630 29 47 42 27 47 38 201% 189% 204% Page 52#53TAN fogether we can Loans and advances PNB Housing Finance Ltd. @pnb Housing Parameter Finance Limited Q1 FY20 (Audited) Q1 FY21 (Audited) Lpnb Oriental Crore United Deposits Capital adequacy ratio Total Income Total Expenses Gross Profit Net Profit Q4 FY20 (Audited) 75933 66628 68009 15446 16132 16203 15.13% 17.98% 18.05% 2233 1952 1872 1819 2279 1543 414 -327 329 284 -242 257 7 Subsidiaries, Associates, JVs & RRBs Page 53#54TAN fogether we can PNB (International) Ltd. U punjab national bank Loans and advances Deposits Capital adequacy ratio Total Income Total Expenses Gross Profit Net Profit Parameter ➤Financial Year: 1st April to 31st March (International) Limited 7 Subsidiaries, Associates, JVs & RRBs Lpnb Oriental United Crore Q1 FY20 Q4 FY20 Q1 FY21 6330 6399 6394 4555 5124 5217 31.45 29.95 29.02 78 355 69 55 227 62 23 128 7 14 21 2 Page 54#55TAN fogether we can Total Income Total Expenses Gross Profit Net Profit Capital Adequacy Ratio Parameter PNB Gilts Ltd. R PNB NB GILTS GILTS LTD Lpnb Oriental United Q1 FY20 (Audited) Q4 FY20 (Audited) Q1 FY21 (Audited) 194 276 492 126 144 111 68 132 381 45 99 284 36.33% 32.66% 26.47% 7 Subsidiaries, Associates, JVs & RRBs Crore Page 55#56TAN fogether we can PNB Investment Services Ltd. pnb investment services ltd. Lpnb Oriental Crore United Total Income Total Expenses Net Interest Income Gross Profit Net Profit Parameter (A wholly owned subsidiary of Punjab National Bank) Q1 FY20 (Audited) Q4 FY20 (Audited) Q1 FY21 (Unaudited) 1.30 1.31 1.82 1.71 1.89 1.62 0.70 0.72 0.67 -0.41 -0.48 0.20 -0.41 -0.48 0.10 7 Subsidiaries, Associates, JVs & RRBs Page 56#57TAN fogether we can Druk PNB Bank Ltd. Lpnb Oriental United Crore Parameter Q1 FY19 (Jan-Mar'19) Q4 FY19 (Oct-Dec'19) FY'19 (Jan-Dec) (Audited) Q1 FY'20 (Jan-Mar'20) Q2 FY20 (April-Jun'20) (Unaudited) (Unaudited) Loans and advances 914 1091 1091 1123 1168 1227 1438 1438 1412 1566 Deposits Capital Adequacy Ratio 16.19% 14.98% 15.59% 12.51% 15.90% Total Income 29 32 120 33 17 Total Expenses 16 22 81 21 23 Gross Profit 13 10 39 12 -6 Net Profit 1 15 20 19 -6 Financial Year: 1st January to 31st December 7 Subsidiaries, Associates, JVs & RRBs Page 57#58TAN fogether we can Everest Bank Ltd एभरेष्ट बैंक लिमिटेड | EVEREST BANK LIMITED (A joint-Venture with punjab national bank, India) Lpnb Oriental United Crore Parameter FY'2019 (July'18-July'19 Q3'2019 April'19) (Jan- Q4'2019 Q3'2020 (April-July'19) |(Jan'20-April'20) (Audited) Q4'2020 FY'2020 (April'20-July'20) | (July'19-July'20) (Unaudited) (Unaudited) Loans and advances 6987 6747 6987 7417 7420 7420 Deposits 8136 7817 8136 8863 9046 9046 Capital Adequacy Ratio 13.74 13.38 13.74 12.63 12.95 12.95 Total Income 903 225 246 248 228 970 Total Expenses 631 155 172 173 197 730 Gross Profit 272 70 74 75 31 240 191 49 52 53 Net Profit 21 169 Financial Year: 16th July to 15th July 7 Subsidiaries, Associates, JVs & RRBs Page 58#59TAN fogether we can JSC Tengri Bank TENGRI BANK 의 AN ASSOCIATE OF PUNJAB NATIONAL BANK INDIA Lpnb Oriental United Crore Q1 FY19 Parameter (Jan-Mar'19) Q4 FY19 (Oct-Dec'19) (Jan-Dec) (Audited) FY'19 Q1 FY'20 (Jan-Mar❜20) (Unaudited) Q2 FY20 (April-Jun'20) (Unaudited) Loans and advances 1893 2075 2075 1977 1806 1703 1732 1732 1234 888 Deposits Capital Adequacy Ratio 11 14.10 14.10 11 12 Total Income 84 91 320 79 40 Total Expenses 69 124 347 139 59 Gross Profit 16 6 -27 10 6 Net Profit 15 -33 -27 -60 -19 st st Financial Year: 1st January to 31 December 7 Subsidiaries, Associates, JVs & RRBs Page 59#60TAN fogether we can Canara HSBC OBC Life Insurance Co. Ltd (Added Post Merger)* Lpnb Oriental Crore United Total Income Total Expenses Gross Profit Net Profit Solvency Ratio • Parameter Canara HSBC CO OBC Life Insurance Q1 FY20 Q4 FY20 Q1 FY21 1,132 (548) 2,001 1,085 (547) 1,997 47 (1) 4 47 (1) 4 391% 365% 349% CHOICE was an associate of erstwhile OBC and post merger, became an associate of PNB w.e.f 01.04.2020. Negative Investment income for Unit Linked Fund due to impact of COVID-19 on equity market and corresponding release in policyholder's liability has resulted negative numbers in Q4 FY20 7 Subsidiaries, Associates, JVs & RRBs Page 60#61TAN fogether we can India SME Asset Reconstruction Co. Ltd (Added Post Merger)* isarc Lpnb Oriental Crore United Loans and advances Deposits Capital Adequacy Ratio Total Income Total Expenses Gross Profit Net Profit Parameter * ISARC has been classified as an associate of PNB w.e.f 01.04.2020. 7 Q1 FY20 FY20 (12M) (Audited) 6 Subsidiaries, Associates, JVs & RRBs - - ' Q1 FY21 (Unaudited) 2 - 3 3 10 2 17 1 -7 1 -8 1 Page 61#62TAN fogether we can Performance of RRB Consolidated Position Q1 FY20 Q4 FY20 Q1 FY21 Loans and advances 52282 56292 54535 Deposits 95521 104472 106947 Capital adequacy ratio 9.99 9.41 10.11 Total Income 2544 9258 2971 Total Expenses 2223 9638 2435 Operating profit 650 1653 535 Net Profit 160 -528 325 RRBs: 1.DBGB: Dakshin Bihar Gramin Bank, Patna 2.SHGB: Sarva Haryana Gramin Bank, Rohtak 3.HPGB: Himachal Pradesh Gramin Bank, Mandi 4.PGB: Punjab Gramin Bank, Kapurthala 7 5. PUPGB: Prathama Uttar Pradesh Gramin Bank, Moradabad 6. TGB- Tripura Gramin Bank 7. MRB- Manipur Rural Bank 8. AGVB- Assam Gramin Vikash Bank 9. BGVB- Bangiya Gramin Vikash Bank Subsidiaries, JVs, Associates & RRBs Lpnb Oriental United Crore Page 62#63TAN fogether we can Guidance for FY2021 Deposit Growth is expected to be in the range of 6-8%. ✰ Advances Growth is expected to be around 4-6%. The share of CASA is expected to be more than 45%. Expected NIM (Global) is around 2.5%. Credit Cost is expected in the range of 2.0% to 2.5% CRAR is expected to be more than 12.5%. 8 Lpnb Oriental United Crore Guidance & Way Forward Page 63#64TAN fogether we can Way Forward Lpnb Oriental United Crore Fine-tuning the Business Model by augmenting digital & analytical capabilities in line with leading practices and EASE 3.0 guidelines. Multi-pronged digital transformation strategy for enhancing productivity, and better customer experience. ❖ Focused Business Growth and enhanced operational efficiency through Verticalized Organizational Structure. Strengthening the balance sheet with effective asset quality management, sustained profitability and robust capital position. Mission to build a global size, future-ready institution which will substantially contribute to the country's growth 8 Guidance & Way Forward Page 64#65TAN fogether we can Thank You! Oriental pnb United Page 65