#1FINANCIAL RESULTS Q2 & HY1 FY23 September 2022 Follow our Official Page pnbindia f in 4 pnb ...the name you can BANK upon!!!#2TAN fogether we can Content Slide No Lenb აის 1 2 Key Highlights Business Performance 3 4-14 3 Financial Performance 15-22 4 Asset Quality 23-30 5 Share Holding & Capital 31-32 6 Digitalization 33-34 7 Network, FI, Group Business and RRBs 35-38 8 ESG Initiatives & Awards 39-43 Page 2#3TAN fogether we can Key Financial Highlights :September'22 pnb Amt in Crore 155409 Cr 69.56% 360 bps YoY Credit Deposit Ratio 1193501 Cr 7.00% YoY Global Deposits Business Gross Advances 830212 Cr 12.84% YoY LOAN 16.95% YoY Retail Advances Profitability 411 Cr 33.44% QoQ. Net Profit Asset Quality 10.48% 315 bps YoY GNPA % 5567 Cr 38.44% YOY 3.00% 61 bps YoY % Operating Profit Global NIM 3.80% 83.96% 169 bps YoY NNPA % D (%) 319 bps YoY PCR (Inc. Two) % 1 Key Highlights 8271 Cr 30.19% YoY Net Interest Income 66.28% 311 bps YoY PCR (Excl. Two) % Page 13#4fogether TAN we can Business Amt in Crore Growth % SI. Parameters Sep'21 Mar'22 Jun'22 Sep'22 QoQ YoY 1 Global Gross Business Overseas Gross Business 1851097 37181 1931322 1936923 2023713 4.48% 9.33% Domestic Gross Business 1813916 47059 1884263 52691 1884232 59002 11.98% 58.69% 1964711 4.27% 8.31% 2 Global Deposits Overseas Deposits Domestic Deposits Current Deposits Savings Deposits CASA Deposits CASA Share % 1115373 17256 1098117 1146218 21169 1125049 1136747 22040 1114706 1193501 4.99% 7.00% 25629 16.29% 48.52% 1167872 4.77% 6.35% 71958 81974 69332 72741 4.92% 1.09% 426799 451680 447258 451707 0.99% 5.84% 498757 533654 516590 524448 1.52% 5.15% 45.42% 47.43% 46.34% 44.91% 616616 612564 620157 669053 7.88% 8.50% იის Total Term Deposits 3 Global Gross Advances 735724 785104 800177 830212 3.75% 12.84% Overseas Gross Advances 19925 25890 30651 33373 8.88% 67.49% Domestic Gross Advances 715799 759214 769526 796839 3.55% 11.32% 4 CD Ratio % 65.96% 68.50% 70.39% 69.56% -83 bps 360 bps 2 Business Performance Page 14#5TAN fogether we can Savings Deposits YoY Gr.: 5.84% 426799 451707 Deposits CASA Deposits YoY Gr.: 5.15% Sep'21 Sept'22 Current Deposits YoY Gr.: 1.09% 71958 72741 Sep'21 Sept'22 2 498757 4 loის Amt in Crore Global Deposits YoY Gr.: 7.00% 524448 1115373 1193501 Sep'21 Sept'22 Sept'21 Sept'22 Business Performance Page 5#6fogether TAN we e can Advances |თის Growth % Parameters Sept'21 Mar'22 June'22 Sept'22 YoY Gr.: 8.85% Amt in Crore YoY Gr.: 16.95% QoQ YOY Gross Domestic 715799 759214 769526 796839 3.55% 11.32% 391285 Advances 425930 132890 155409 Out of which Retail 132890 139594 146321 155409 6.21% 16.95% Agriculture 133867 124286 133237 140303 5.30% 4.81% MSME 124528 125032 124947 130218 4.22% 4.57% Sept'21 Sept'22 Sept'21 Sept'22 RAM 391285 388912 404505 425930 5.30% 8.85% RAM ■Retail Advances Corporate & Others 324514 370302 365021 370909 1.61% 14.30% YoY Gr.: 4.81% YoY Gr.: 4.57% RAM Share 53.5% 52.6% 51.2% Mar'22 June'22 130218 140303 124528 133867 Sept'22 Sept'21 Sept'22 Agriculture Advances ■MSME Advances Sept'22 Sept'21 2 Business Performance Page 6#7fogether TAN we can Vehicle Loan YoY Gr.: 35.3% Retail Schemes Home Loan YoY Gr.: 7.8% 74565 73805 71338 76877 Sept'21 Mar'22 June'22 Sept'22 Personal Loan YoY Gr.: 36.4% 13446 14038 12193 12615 10483 10378 Sept'21 Excluding Pool & IBPC Mar'22 June'22 Sept'22 2 14294 12938 Sept'21 Mar'22 June'22 Sept'22 Business Performance იის Amt in Crore Page 7#8fogether TAN we e can Priority Sector Achievement pnb Amt in Crore SI. Parameters Mandated Targets Sept❜21 Mar'22# Jun'22 Sept❜22 ANBC 1 Priority Sector % to ANBC 647811 668752 660200 648200 282671 283712 276273 282256 40% 43.63% 42.42% 41.85% 43.54% 2 Agriculture -PS 123415 122708 119887 123332 % to ANBC 18% 19.05% 18.35% 18.16% 19.03% 3 Small and Marginal Farmers(SMF) 67174 65979 64578 65865 % to ANBC 9.5%* 10.37% 9.87% 9.78% 10.16% 4 Weaker Section 91152 90002 88574 91294 % to ANBC 5 Micro Enterprises (PS) % to ANBC 11.5%* 14.07% 13.46% 13.42% 14.08% 53841 53963 51539 54142 7.5% 8.31% 8.07% 7.81% 8.35% * 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 MSME Segment Mix Total:- Rs 130218 Crores 21.2% MSME Portfolio Mix MEME सूक्ष्म, लघु एवं मध्यम उद्यम pnb Amt in Crore Performance under GECL Facility GECL Upto Sept❜21 Upto Sept'22 14185 21460 12661 18782 GECL Outstanding as on 30.09.22- Rs 12869 Crores MICRO, SMALL & MEDIUM ENTERPRISES Amount Sanctioned Amount Disbursed 35.3% 43.5% Sept'22 Micro Small Medium 2 ₹ muda Performance under PMMY Mudra Loans Amount Sanctioned Amount Disbursed HY1 FY22 HY1 FY23 5967 9436 5436 9310 Upto Upto PM SVANidhi Sept'21 Sept❜22 PM SVANidhi Account Sanctioned (No.) Amount Sanctioned 200071 258286 200 289 Position-Q2 FY'23 STAND UP India Endeavour and Prosper Target 20104 Achievement % Ach 20645 103% Business Performance Bank achieved 103% of the allocated target Page 9#10fogether we can External Rating (Std FB) Portfolio & Adv. on Benchmark Rates Amt in Crore Clenb იის TAN Portfolio > Rs. 100 Crore Mar'22 June'22 Sept❜22 Advances Mix of Benchmark rate SI Rating Grade 1 AAA Amt. 130939 % Share Amt. % Share Amt. % Share 46.92% 137912 47.89% 144263 47.04% 23.8% 2 AA 61238 21.94% 66670 23.15% 71896 23.44% 27.0% 26.5% 3 A 44508 15.95% 45259 15.71% 47342 15.44% 4 BBB 17796 6.38% 17626 6.12% 20789 6.78% 20.2% 20.8% 23.7% Total BBB & Above 254481 91.19% 267467 92.87% 284290 92.70% 5 BB 8422 3.02% 6489 2.25% 6345 2.07% 6 B 2601 0.93% 2327 0.81% 2215 0.72% 41.0% 39.1% 38.2% 7 C 278 0.10% 276 0.10% 200 0.07% 8 D 2273 0.81% 1491 0.52% 1878 0.61% 0.1% 0.1% 8.2% 0.1% Total BB & Below 13574 4.86% 10583 3.67% 10638 3.47% 7.9% 7.6% 6.8% 5.1% 3.9% 9 Unrated 11007 3.94% 9952 3.46% 11763 3.84% Mar'22 Jun'22 Sept'22 Total 279062 100% 288001 100% 306691 100.00% Base Rate Fixed BPLR Excluding Govt guarantee accounts MCLR RLLR FC & Others 2 Business Performance Page 10#11fogether TAN e can we Diversified Industry Portfolio & Key Sectors 4 loის Amt in Crore March'22 June'22 Sept'22 SI. Diversified Industry Portfolio 0/s % to Domestic Advances 0/s % to Domestic Advances % to Domestic O/s Advances 1 Infrastructure -Energy -Tele-Communication 102522 13.5% 103183 13.4% 103133 12.9% 41679 5.5% 44792 5.8% 45365 5.7% 11084 1.5% 10660 1.4% 10187 1.3% -Roads & Ports 38457 5.1% 39886 5.2% 40257 5.1% -Other Infra 11302 1.5% 7845 1.0% 7324 0.9% 2 Basic Metal & Metal Products 19413 2.6% 21287 2.8% 23602 3.0% -Iron & Steel 15647 2.1% 17935 2.3% 20356 2.6% 3 Textiles 11643 1.5% 11014 1.4% 10642 1.3% 4 Food Processing 20375 2.7% 18961 2.5% 18794 2.4% 5 Chemical & Chemical Products 10515 1.4% 7972 1.0% 7077 0.9% 6 Other Industries 55911 7.4% 54439 7.1% 59159 7.4% Total 220379 29.0% 216856 28.2% 222407 27.9% SI. 234 1 NBFC Commercial Real Estate 3 Tourism, Hotel & Restaurant Capital Market Key Sectors March'22 o/s June'22 o/s Sept❜22 O/S 103794 106814 118166 19474 19604 18812 2002 2082 1057 292 2164 521 2 Business Performance Page 11#12TAN fogether we can NBFC SECTOR Outstanding as on 30.09.2022: 118166 Cr External Rating wise Portfolio 717 2864 119 32817 28% 1% 2% 0% 5171 4% 2 NBFC & Energy Sector 76478 65% ENERGY SECTOR External Rating Standard Portfolio 30.09.2022: 42091 Cr External Rating wise Portfolio 9330 22% 5542 2596 13% 6% 5389 13% 8831 21% 10403 25% ■ AAA AA ■ A BBB ■BB & below ■ Unrated Business Performance Lpnb Amt in Crore Page 12#13TAN fogether we can Investment Portfolio |თის Amt in Crore YoY Variation SI. Parameters Sept❜21 Mar'22 June'22 Sept❜22 Amt. % 1 Gross Domestic Investment 365905 375006 380974 397962 32057 8.76% a SLR 259623 267071 274791 293179 33556 12.92% SLR as % to Dom. Investment 70.95% 71.22% 72.13% 73.67% b Non SLR 106282 107936 106183 104783 -1499 -1.41% | Held To Maturity (HTM) 293256 302856 300988 306623 13367 4.56% II Available For Sale (AFS) 72640 72179 79909 89340 16700 22.99% III Held For trading (HFT) 8 -29 77 1999 2 Modified Duration (AFS+HFT) 2.38 3.29 2.14 3.17 3 Net demand & time Liabilities 1086202 1098982 1101111 1120129 33927 3.12% 4 Investment by Overseas Branches 4163 4387 5 Total Gross Investment (1+4) 370068 379393 5250 386224 5266 1103 26.5% 403228 33160 9.0% HTM To Gross Domestic Investment (%) 80.15% 80.76% 79.00% 77.05% 2 Business Performance Page 13#14fogether TAN we e can Non SLR Investment |აის Amt in Crore Sept❜21 Mar'22 June'22 Sept❜22 SI. Parameters o/s % Share o/s % Share O/S % Share o/s % Share 1 PSU Bonds 20418 19.2% 17528 16.2% 16891 15.9% 16373 15.6% Corporate and Other Bonds & 2 12775 12.0% 16893 15.7% 15499 14.6% 15857 15.1% Debentures 3 Share of PSU/Corporate/Others 8222 7.7% 6827 6.3% 6595 6.2% 6423 6.1% 4 S Subsidiaries JV 3220 3.0% 3252 3.0% 3252 3.1% 3352 3.2% 5 Security Receipts 1993 1.9% 1612 1.5% 1533 1.4% 1446 1.4% 6 Special Govt. Sec excl. Recap Bonds 1253 1.2% 1114 1.0% 1114 1.0% 1114 1.1% 7 Regional Rural Bank 814 0.8% 814 0.8% 1073 1.0% 1073 1.0% 8 Venture Venture Capital Fund 361 0.3% 365 0.3% 364 0.3% 379 0.4% Central Government Recapitalization 9 55274 52.0% 55274 51.2% 55274 52.1% 55274 52.8% Bond 10 Other Non SLR Total Non SLR Investment 1952 1.8% 4257 3.9% 4588 4.3% 3492 3.3% 106282 100.0% 107936 100.0% 106183 100.0% 104783 100.0% 2 Business Performance Page 14#15TAN fogether we can Income loის Amt in Crore Q2 Q1 Q2 YoY Variation SI. Parameters HY1 FY22 HY1 FY23 YoY Gr. % FY22 FY23 FY23 Amt. % 1 Interest Income (2+3+4) 17980 18757 20154 2174 12.1% 36909 38911 5.4% 2 Interest on Advances 11389 12258 13550 2161 19.0% 23711 25808 8.8% 3 Interest on Investments 5796 5920 6111 315 5.4% 11767 12030 2.2% 4 Other Interest Income 795 579 494 -301 -37.9% 1431 1073 -25.0% 50 Non Interest Income (6+7+8+9) 3282 2537 2847 -435 -13.3% 7169 5384 -24.9% of which 6 Fee Based Income 1162 1751 1307 145 12.5% 2666 3058 14.7% 7 Recovery in Written off Accounts 1076 1325 1100 24 2.2% 1909 2425 27.0% 80 Treasury income 1006 -532 102 -905 -89.9% 2556 -431 -116.8% of which 8.1 Profit on Sale of investments 1049 573 160 -889 -84.7% 2167 733 -66.2% 8.2 Profit on Exchange Transaction 126 304 100 -27 -21.0% 257 404 57.3% Profit/(Loss) on Revaluation 8.3 -169 -1409 -158 11 -6.3% 132 -1568 of Investment 9 Others 38 -7 339 301 791% 39 332 774% 10 10 Total Income (1+5) 21262 21294 23001 1739 8.2% 44078 44295 0.5% 3 Financial Performance Page 15#16TAN fogether we can Expenses pnb Amt in Crore Q2 Q1 Q2 YoY Variation SI. Parameters HY1 FY22 HY1 FY23 YoY Gr. % FY22 FY23 FY23 Amt. % 1 Total Interest Paid (2+3+4) 11627 11214 11883 255 2.2% 23322 23098 -1.0% 2 Interest Paid on Deposits 10913 10427 11022 109 1.0% 21890 21449 -2.0% 3 Interest Paid on Borrowings 143 178 209 66 46.2% 270 386 43.0% 4 Others Interest Paid 571 609 652 82 14.2% 1162 1263 8.7% 5 Operating Expenses (6+7) 5614 4701 5551 -63 -1.1% 10336 10251 -0.8% 6 Establishment Expenses 3417 2547 3233 -184 -5.4% 6372 5779 -9.3% 7 Other Operating Expenses 2197 2154 2318 121 5.5% 3963 4472 12.8% 8 Total Expenses (1+5) 17241 15915 17434 192 1.1% 33658 33349 -0.9% 3 Financial Performance Page 16#17TAN fogether we can Profit & Provisions სიის Amt in Crore Q2 Q1 Q2 YoY Variation SI. Parameters HY1 FY22 HY1 FY23 YoY Gr. % FY22 FY23 FY23 Amt. % 1 Net Interest Income 6353 7543 8271 1918 30.2% 13587 15814 16.4% 2 Other Income 3282 2537 2847 -435 -13.2% 7169 5384 -24.9% 3 Operating Income (1+2) 9635 10080 11118 1483 15.4% 20756 21198 2.1% 4 Operating Expenses 5614 4701 5551 -63 -1.1% 10336 10251 -0.8% 5 Operating Profit 4021 5379 5567 1546 38.5% 10421 10946 5.0% 6 Provisions other than Tax 3261 4790 4906 1646 50.5% 8240 9697 17.7% Of which a NPAS 2693 4814 3556 863 32.0% 5941 8370 40.9% Standard Advances incl. b 547 -278 694 147 26.9% 1740 416 -76.1% Standard Restructured C c Provision on NPI -292 149 430 722 -247.3% 238 579 143.3% d Other provisions 313 105 226 -87 -27.8% 322 331 2.8% 7 Profit Before Tax 760 589 661 -99 -13.0% 2180 1250 -42.7% 8 Provision for Income Tax -345 281 250 595 -172.5% 52 530 919.2% 9 Net Profit 1105 308 411 -694 -62.8% 2129 720 -66.2% 3 Financial Performance Page 17#18TAN fogether we can Profitability Ratios სიის Q2 Q4 Q1 Q2 HY1 HY1 SI. Profitability Ratios FY22 FY22 FY23 FY23 FY22 FY23 1 Return on Assets [%] 0.33% 0.06% 0.09% 0.12% 0.32% 0.11% 2 Return on Equity [%] 7.27% 1.35% 2.01% 2.56% 7.27% 2.30% 3 Earnings per share [*] (Not annualized) 1.00 0.18 0.28 0.37 1.96 0.65 4a Book Value per Share [*] 79.72 79.59 80.32 81.32 79.72 81.32 4b Book Value per Share-Tangible [*] 55.54 54.77 57.16 58.39 55.54 58.39 5 Cost to Income Ratio [%] 58.27% 46.02% 46.63% 49.93% 49.79% 48.36% 5a Staff Cost to Income Ratio [%] 35.47% 22.12% 25.27% 29.07% 30.70% 27.26% 5b Other Cost to Income Ratio [%] 22.80% 23.90% 21.37% 20.85% 19.09% 21.10% 6 Operating Profit to AWF [%] 1.20% 1.59% 1.63% 1.59% 1.55% 1.61% 7 Operating Expenses To AWF [%] 1.67% 1.36% 1.42% 1.59% 1.54% 1.54% 8 Leverage Ratio 4.59% 4.27% 4.56% 4.55% 4.59% 4.55% 3 Financial Performance Page 18#19TAN fogether we can 4.02% 4.07% Cost of Deposits [%] Efficiency Ratios (Quarter) Cost of Funds [%] 3.54% 3.85% 3.90% 3.93% 3.47% 3.79% Sep'21 (Q2) Jun'22 (Q1) Global Domestic Yield on Advances [%] Sept'22 (Q2) Sep'21 (Q2) 7.08% 6.91% 6.62% 6.66% 6.48% 6.49% Sep'21 (Q2) Jun'22 (Q1) Global Domestic Sept'22 (Q2) 3 NIM [%] pnb (Annualized) 3.00% 3.11% 3.42% 2.79% 2.90% 3.39% 3.40% 3.39% 2.39% 2.45% Jun'22 (Q1) ■Global Domestic Yield on Funds [%] 5.68% 5.74% 5.47% 5.36% Sep'21 (Q2) Jun'22 (Q1) Sept'22 (Q2) Sep'21 (Q2) 5.77% 5.81% Jun'22 (Q1) Global Domestic Sept'22 (Q2) Yield on Investment [%] 6.36% 6.44% 6.51% 6.56% 6.20% 6.24% Sept'22 (Q2) Sep'21 (Q2) Jun'22 (Q1) Sept'22 (Q2) Global Domestic Global Domestic Financial Performance Page 19#20TAN fogether we can Cost of Deposits [%] Efficiency Ratios (HY1) Cost of Funds [%] (Annualized) pnb NIM [%] 4.04% 4.10% 3.99% 4.05% 3.85% 3.89% 3.47% 3.56% 3.45% 3.53% 3.40% 3.41% 2.56% 2.62% 2.71% 2.79% 2.91% 3.00% Sep'21 (HY) Mar'22 (FY) Sep'22 (HY) Sep'21 (HY) Mar'22 (FY) Sep'22 (HY) Sep'21 (HY) Mar'22 (FY) Sep'22 (HY) ■Global Domestic Global Domestic Global Domestic Yield on Advances [%] Yield on Funds [%] Yield on Investment [%] 6.85% 6.96% 6.70% 6.79% 6.88% 6.70% 5.50% 5.62% 5.59% 5.72% 5.72% 5.77% 6.25% 6.30% 6.29% 6.34% 6.44% 6.50% ILILII Mar'22 Sep'22 (HY) Sep'21 (HY) Mar'22 (FY) Sep'22 (HY) Sep'21 (HY) Mar'22 (FY) Sep'22 (HY) Sep'21 (HY) (FY) ■Global Domestic Global Domestic Global Domestic 3 Financial Performance Page 20#21TAN fogether we can Business per Employee 1941 1841 1914 2001 Productivity Ratios (Annualized) Business per Branch 18773 18885 19719 17320 Sep'21 Mar'22 June'22 Sept'22 Sep'21 Mar'22 June'22 Sept'22 Operating Profit per Employee 16.1 21.9 21.7 22.3 Sept'21 (Q2) Mar'22 (Q4) June'22 (Q1) Sept'22 (Q2) 3 Operating Profit per Branch 211.4 151.5 214.5 220.0 pnb in Lakhs Sept'21 (Q2) Mar'22 June'22 (Q4) (Q1) Sept'22 (Q2) Financial Performance Page 21#22TAN fogether we can Balance Sheet-Liabilities & Assets loის SI. Parameters Sep'21 Mar'22 Jun'22 Amt in Crore Sep'22 CAPITAL & LIABILITIES 1 Capital 2202 2202 2202 2202 2 Reserves and Surplus 93498 93285 3 Deposits 1115373 1146219 95282 1136747 96554 1193501 4 Borrowings 33623 45681 63524 58660 5 Other Liabilities and Provisions 21212 27418 23321 25341 Total Liabilities 1265907 1314805 1321076 1376258 ASSETS 1 Cash and Balances with RBI 110597 85736 65233 73518 2 Balances with Banks 36588 46911 49378 49513 3 Investments 363626 372168 378383 393925 4 Loans & Advances 673226 728186 742643 773403 50 Fixed Assets 10827 10673 11771 12208 6 Other Assets 71044 71131 73668 73691 Total Assets 1265907 1314805 1321076 1376258 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 |lpის Amt in Crore Position as on 30.09.22 Position as on 30.09.22 SI. Loan and aggregate exposure category under OTR 1 Loan and aggregate under OTR 2 SI. No. of Amount exposure category accounts involved No. of accounts Amount involved 1 Personal loans 4575 632 1 Individual Borrowers 62954 5076 2 Other Exposures* 275 2456 2 Small Business 2806 851 3 Total (1+2) 4850 3088 3 Total (1+2) 65760 5927 4 MSME loans 3463 479 4 MSME loans 68108 4446 Grand Total (3+4) 8313 3567 Grand Total (3+4) 133868 10373 Other Exposures includes corporate loans >Rs. 25 Crore as per RBI guidelines. 4 Asset Quality Page 123#24TAN fogether we can RETAIL Improving Asset Quality -SMA 2 Accounts ( > Rs.5.00 Crore) loის Amt in Crore Sept'21 June'22 Sept'22 CATEGORY % of Domestic SMA2 SMA2 Advances % of Domestic Advances SMA2 % of Domestic Advances 239 0.18% 97 0.07% 82 0.01% AGRICULTURE 798 0.60% 267 0.20% 332 0.04% MSME RAM TOTAL 2533 2.03% 1215 0.97% 1277 0.16% 3570 0.91% 1579 0.39% 1691 0.21% CORPORATE & OTHER 6084 1.87% 448 0.12% 379 0.05% TOTAL 4 9654 1.35% 2027 0.26% 2070 0.26% Asset Quality Page | 24#25TAN fogether we can Improving Asset Quality - Movement of NPA pnb Amt in Crore SI. Parameters Q2 FY'22 HY1 FY'22 Q1 FY'23 Q2 FY'23 HY1 FY'23 1 NPA as at the beginning of Year/Quarter 104076 104423 92448 90167 92448 2 Cash Recovery 4404 6400 2681 3989 6478 3 Up-gradation 3362 5441 2607 2508 4085 4 Cash Recovery & Up-gradation (2+3) 7765 11841 5288 6497 10563 5 Write Off 4749 7980 3461 2614 6091 6 Total Reduction (4+5) 12514 19821 8749 9112 16654 7 Fresh Addition 8730 15688 6468 5979 11241 7.1 -Fresh slippages 7620 13299 5890 5301 9606 7.2 -Debits in existing NPA A/cs 1110 2389 578 678 1635 8 Gross NPAs at end of the period 100291 100291 90167 87035 87035 9 Eligible Deductions incl. Provisions 63357 63357 58423 57687 57687 10 Net NPAs at end of the period 36934 36934 31744 29348 29348 11 Recovery in TWO & RI* 1360 2767 1769 2068 3836 12 Total Recovery (4+11) 9126 14608 7057 8565 14399 *Recovery in TWO & RI has been re-aligned. 4 Asset Quality Page 25#26TAN fogether we can 13.63% Gross NPA% 11.78% 11.27% Improving Asset Quality - Ratios PCR%- (Incl. TWO) 83.96% 83.04% 81.60% 10.48% 80.77% 1.47% იის Credit Cost (Annualized) 2.45% 2.46% 1.76% Sep'21 Mar'22 June'22 Sept'22 Sep'21 Mar'22 June'22 Sept'22 Sept'21 (Q2) Mar'22 (Q4) June'22 Sept'22 (Q1) (Q2) Net NPA% PCR%- (Excl. TWO) 66.28% 5.57% 64.79% 5.49% 4.80% 4.28% 3.80% 63.17% 62.24% Slippages(Fresh Addition) Ratio 6.47% (Annualized) 3.75% 3.34% Sept'21 Mar'22 June'22 Sept'22 (Q2) (Q4) (Q1) (Q2) Sep'21 Mar'22 June'22 Sept'22 Sep'21 Mar'22 June'22 Sept'22 4 Asset Quality Page 26#27TAN fogether we can NPA Classification - Sector Wise |თის Amt in Crore Sept❜21 June'22 Sept❜22 SI. Parameters Advances GNPA GNPA% Advances GNPA GNPA% Advances GNPA GNPA% 1 Retail Loans 132890 6880 5.18% 146321 6383 4.36% 155409 6118 3.94% Out of Which, 1a Housing 83492 3817 4.57% 84624 3546 4.19% 84568 3422 4.05% 1b Car/Vehicle 10838 559 5.16% 19447 575 2.96% 24038 574 2.39% 1c Personal Loan 10483 264 2.52% 12938 255 1.97% 14294 241 1.69% 2 Agriculture 133867 23658 17.67% 133237 25952 19.48% 140303 27019 19.26% 3 MSME 124528 26971 21.66% 124947 26226 20.99% 130218 25231 19.38% 4 Corporate & Others 324514 40974 12.63% 365021 29899 8.19% 370909 26910 7.26% 5 Domestic (1+2+3+4) 715799 98484 13.76% 769526 88460 11.49% 796839 85278 10.70% 6 Overseas 19925 1807 9.07% 30651 1707 5.57% 33373 1757 5.26% 7 ས Global (5+6) 735724 100291 13.63% 800177 90167 11.27% 830212 87035 10.48% 4 Asset Quality Page 27#28TAN fogether we can NPA Classification- Industry Wise |თის Amt in Crore Sept❜21 June'22 Sept'22 SI. Diversified Industry Portfolio 0/s GNPA GNPA % O/s GNPA GNPA % O/s GNPA GNPA % 1 Infrastructure -Energy -Tele-Communication -Roads & Ports 106148 13707 12.9% 103183 8950 8.7% 103133 7654 7.4% 40848 4472 10.9% 44792 4070 9.1% 45365 3273 7.2% 15661 3376 21.6% 10660 17 0.2% 10187 14 0.1% 37457 4449 11.9% 39886 3724 9.3% 40257 3358 8.3% -Other Infra 12182 1410 11.6% 7845 1139 14.5% 7324 1009 13.8% 2 Basic Metal & Metal Products 21729 2727 12.6% 21287 1786 8.4% 23602 1529 6.5% -Iron & Steel 18473 1418 7.7% 17935 1238 6.9% 20356 1060 5.2% 3 Textiles 12293 3443 28.0% 11014 1921 17.4% 10642 1959 18.4% 4 Food Processing 18644 5172 27.7% 18961 4736 25.0% 18794 4686 24.9% 5 Chemical & Chemical Products 8970 540 6.0% 7972 441 5.5% 7077 353 5.0% 6 Other Industries 53391 17681 33.1% 54439 16641 30.6% 59159 15424 26.1% Total 221175 43270 19.6% 216856 34475 15.9% 222407 31605 14.2% 4 Asset Quality Page 28#29TAN fogether we can Asset Classification- Global Advances pnb Amt in Crore Sept'21 June'22 Sept❜22 YoY Variation SI. Parameters o/s Share% o/s Share% O/S Share% Amt. Var. % 1 Standard 635434 86.37% 710010 88.73% 743177 89.52% 107743 16.96% 2 Gross NPA 100291 13.63% 90167 11.27% 87035 10.48% -13256 -13.22% 2a Sub-Standard 24949 3.39% 14516 1.81% 14165 1.71% -10784 -43.22% 2b Doubtful 54448 7.40% 59382 7.42% 50647 6.10% -3801 -6.98% 2c Loss 20894 2.84% 16269 2.03% 22222 2.68% 1328 6.36% Global Advances(1+2) 735724 100% 800177 100% 830212 100% 94488 12.84% 4 Asset Quality Page 29#30TAN Exposure to NCLT accounts იის As on 30.09.2022 Amt in Crore Parameters Accounts Balance Provision PCR% 04 3802 3802 100.0% 10 4591 4591 100.0% 133 8674 8634 99.5% 420 49787 49361 99.1% 567 66854 66388 99.3% fogether we can SI. 1 RBI list 1 2 RBI list 2 3 Filed by PNB 4 Filed by Others 5 Total 100.0% 100.0% 99.5% 99.1% 99.3% 3802 4591 8674 66854 49787 RBI list 1 RBI list 2 Balance Filed by PNB Filed by other Lenders Provision Coverage% Total 4 Asset Quality Page 30#31fogether TAN we e can Total No. of Shares: 1101.10 Crores 1.22% 3.56% 11.43% 8.72% 1.92% Share Holding and Ratings Clenb იის Moody's Issuer Credit Rating- Ba1/NP/ Stable Fitch Issuer Credit Rating- BBB-/F3/Stable Basel III S.N Rating Agency Additional Tier-1 Tier-II 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 CARE Ratings AA/Stable AA+/Stable Mutual Funds Resident Individual FPIs ■ Others 4 ICRA Ratings AA/Stable AA+/Stable (Shareholding as on 30.09.2022) 5 Share Holding & Capital Page 31#32TAN fogether we can SI. Capital Adequacy Lpnb Amt in Crore Parameters Sept'21 Mar'22 June'22 Sept'22 CRAR % 1 Tier I 73915 70458 73522 76036 15.20% 14.50% 14.82% 14.74% 1a Common Equity 68503 63430 66484 67831 2.70% 2.72% 2.54% 2.77% 1b Additional Tier I 5412 7028 7037 8205 0.92% 1.16% 1.32% 2 Tier II 15941 16653 16544 15823 1.17% 3 Total (Tier I+II) 89856 87111 90066 91859 4 Risk-weighted Assets 591217 600821 607608 623392 11.58% 10.56% 10.94% 10.88% 5 Tier 1 % 12.50% 11.73% 12.10% 12.20% 5a Common Equity % 11.58% 10.56% 10.94% 10.88% 5b Additional Tier 1 % 0.92% 1.17% 1.16% 1.32% 6 Tier II % 2.70% 2.77% 2.72% 2.54% 7 Total (Tier 1+11) % 15.20% 14.50% 14.82% 14.74% Sep'21 Mar'22 June'22 Sept'22 CET ATI Tier II 5 Share Holding & Capital Page 32#33TAN fogether we can In 61% Digital Payments & Transactions 83% of Bank's Transactions are now Digital 92% Sep'21 Sep'22 31% YoY Growth in IBS Users +31% 83% 72% 370 28% 284 8% Digital ADC Branch Growth in UPI Transactions +85% 46 85 Sep'21 Sep'22 6 Transactions (in cr.) Digitalization Sep'21 Sep'22 37% YoY Growth in M-Bank Users +37% 272 373 Sep'21 Sep'22 Users (in Lakhs.) Users (in Lakhs.) Page 33 Clenb იის#34TAN fogether we can Digital Initiatives 1st ✓ UPI Lite- customers can make small payments of up to Rs 200 using on device "wallet". Launch of Banking Services through Whatsapp 0 UPI Onboarding in UPI Using Aadhaar OTP- Authentication In lieu of Debit Card for Customer On-boarding on UPI. Scan & Pay S loის Added: PNB One new features Scan & Pay and UPI payment using IFSC & A/c No Pre-Qualified Credit Card facility for salaried account customers Revamped PNB ONE ONE App Launched #Just one app Self Onboarding Platform for Online Application of Credit Card on 24*7 basis Online Overdraft Facility (e-OD) against offline Fixed Deposit (FD) in PNB One app. 6 Digitalization Page 34#35TAN fogether we can As on 30.09.2022 Branches 113 5 (Domestic) ATM Delhi: 319 720 92350 717 O 10,038 12,966 Distribution Network & Social Presence Total Touch Points - 43,451 f 1668621 in loის BCS 20,447 YoY: 21.63% 103062 YoY : 33.73% 338700 YoY : 33.61% 40 295 388 134 13 132 144 Subsidiaries:-London (UK) and Bhutan Joint Venture:- Nepal 7 9 You Tube 1653 699 24 294 5 21 97300 107000 33400 YoY : 48.32% YoY : 56.43% YoY : 377.14% 668 267 371 206 1149 180 340 International Business Population group Wise Branches Branches at:- Dubai and Gift City, Ahmedabad 1732 18% 3863 38% States having 245 • Andaman & Nicobar (4) Branches 100 > 185 Daman & Diu (3) Representative Offices:- Myanmar and Bangladesh 1998 20% 2445 24% • Dadra and Nagar Haveli (2) Rural ■Semi-Urban 7 Network, Fl, Group Business and RRBs Urban ■ Metro Page 35#36TAN fogether we can Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Driving Financial Inclusion loის Nos in lakhs Nos in lakhs Pradhan Mantri Suraksha Nos in lakhs Atal Pension Yojana Bima Yojana (PMSBY) 23.76 SLBC-6 21.74 20.10 43.23 45.36 48.46 180.64 187.03 194.61 15.85 37.04 158.1 illl LDMO- 112 Sept 21 Mar'22 June'22 Sept'22 Sept'21 Mar'22 June'22 Sept'22 Sept 21 Mar 22 June'22 Sept'22 Nos in lakhs PMJDY Accounts Amt in Crore Deposits Mobilized by BCs Nos No. of BCs Rural Self Employment Training Institute (Rseti)- 76 ➤ Rural Development centre- 2 Financial Literacy 18729 441 17883 16445 429 14315 418 402 Centre- 175 20447 18857 15719 12478 Sept'21 Mar'22 June'22 Sept'22 Sept 21 Mar'22 June'22 Sept'22 Sept 21 Mar 22 June'22 Sept'22 7 Network, FI, Group Business and RRBs Farmer Training Centre - 12 ➤ Villages adopted for holistic development - 295 Page 36#37TAN fogether we can Subsidiaries Domestic Foreign Group Structure of the Bank PNB Domestic Associates & Joint-Venture Foreign RRB სიის 1. PNB Cards & Services Ltd. - 100% 1. PNBIL, London - 100% 2.DRUK PNB Bank 1. PNB Housing Finance Ltd - 32.57% 2. PNB MetLife India Insurance Co. Ltd - 30% 2. PNBISL -100% Ltd, Bhutan 51% - 3. PNB Gilts Ltd - 74.07% 3. Canara HSBC OBC Life Insurance Co. Ltd (CHOICE) 23% 4. India SME Asset Reconstruction Co. Ltd (ISARC) 20.90% - Everest Bank, Nepal- 20.03% 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 37#38TAN fogether we can Performance of Subsidiaries, Associates, Joint Venture & RRB Amt in Crore Clenb იის Performance of Subsidiaries, Associates & Joint Venture Name of the entity PNB Housing Finance Ltd Performance of RRBs Results (3/6/9/12 M) Total Total Income Expenses Profit Profit Gross Net Consolidated Position HY1 FY'22 HY1 FY'23 Sept 22 (6M) 3095 2444 652 498 PNB Investment Services Ltd. Sept❜22 (6M) 4.20 2.56 1.64 1.23 Business 176418 189266 PNB Cards & Services Limited Sept❜22 (6M) 2.96 1.92 1.04 0.90 PNB Gilts Ltd. Sept'22 (6M) 624 738 -114 -97 Loans and advances 61899 67946 PNB MetLife India Insurance Co. Ltd Sept❜22 (6M) 4321 4275 46 40 Deposits 114519 121320 Canara HSBC OBC Life Insurance Co. Ltd Sept 22 (6M) 2992 2951 42 36 Capital PNB (International) Ltd. (London) 9.81 11.79 Mar'22 (12M) 321 228 93 60 Adequacy Ratio (FY: 1st April to 31st March) India SME Asset Reconstruction Co. Ltd Sept'22 (6M) 4.93 1.67 3.26 1.96 Operating profit 848 1655 Druk PNB Bank Ltd. (Bhutan) Dec'21 (12M) 147 124 37 23 (FY: 1st January to 31st December) Everest Bank Ltd. (Nepal) Net Profit (158) (239) July'22 (12M) 1093 866 227 159 (FY: 16th July to 15th July) 7 Network, FI, Group Business and RRBs Page 38#39TAN fogether we can იის 3 1 Reduction in 2 Carbon Foot Prints Green Financing Green Premises ESG Initiatives Environment ➤ Assessing the "Environmental" aspects while loan origination via Internal Rating Models ➤ Investing in Digital Solutions and Leverage smart solutions to customers ➤ Contributed for public awareness programme of Baramati Municipal Council (BMC), Maharashtra on Swachh Sarvekshan (Clean environment) & Majhi Vasundhara (My Mother Earth) Sanctioned around 128 Cr+ under PNB Green Car Loan scheme and 1998 Cr+ under PNB Transport (E-Rickshaw/ Electric Vehicle Loan Scheme) till date. Sanctioned 1562 Cr + loans in renewable energy sector during HY1 Sanctioned 23.93 Cr under PM-KUSUM (Pradhan Mantri- Kisan Urja Suraksha evam Utthaan Mahabhiyan) Scheme Installed 300 KW roof top solar power plants across various office buildings ➤ Procurement of BEE star-rated energy efficient electrical & electronic equipment's Energy Efficient Measures adopted by bank & PNB Head Office Dwarka rated 5 Star By GRIHA Council. ESTARS RATING 8 ESG Initiatives & Awards Page | 39#40TAN fogether we can ESG Initiatives Social Giving Back to Society Clenb იის Contribution for an ambulance in Thiruvananthapuram Municipal Corporation 24% Women employees in total workforce. 80% Women borrowers in total SHG o/s of Rs. 5486 Cr for promoting entrepreneurship development Λ Λ Supported selected Delhi schools for Basic infrastructure Contributed under "Adopt an Aanganwadi" initiative of Women and child development Deptt., Govt. of Madhya Pradesh. Contributed for promoting patient Care at Govt. Institute of Medical sciences, U.P. Govt. Hospital at Noida. ESG Initiatives & Awards 76+ RSETIS are imparting training to rural population. Total no. of candidates trained since inception are 5,19,386 175 FLCS conducted seminars programs and provided training to 88,794 persons during Q2 FY'23 8 Page 140#41TAN fogether we can ESG Initiatives Governance Clenb იის The Bank has in place a fair, transparent & accountable Corporate Governance structure to safeguard the interests of all stakeholders ✓ Customer Grievance Policy Key Highlights of Strong Governance in Bank Guided by Strong Policies ✓ Code of Conduct & Ethics High level Committee to steer the ESG Initiatives of the Bank ✓ CSR Policy Customer First Proper customer grievances redressal mechanism in place. Timely & Faster resolution of Grievances Launched Staff Accountability Portal and Compliance Monitoring Tool Full, fair, accurate, sensible, timely and meaningful disclosures in the periodic reports HR Transformation ✓ Succession Planning ✓ Counselling and grievance redressal of employees ✓ Strong Corporate Governance practices and constituted various sub committee Whistle Blower Policy New Enterprises Fraud Risk Management (EFRM) for prevention of unauthorized electronic banking transactions Increased focus on risk and the supporting governance framework 8 ESG Initiatives & Awards Page 141#42TAN fogether we can Other Major Initiatives Liability Products Asset Products loის ✓ PNB "AROGYA" SAVING SCHEME (Age Group 18 upto 60 years) with Health Care Insurance ✓ SB Ellite Scheme for HNI Customers ✓ Term Deposits scheme for 405 days,600 days with attractive interest rates ✓ Integration with CERSAI (CKYC) for paperless KYC ✓ TAB Banking in all Branches Plus New Tie-Ups/MOUS for Rakshak Salary Accounts with Indian Army, Assam Rifles & Indian Air Force ₹ BD ✓ Revamped Pre Approved Personal loan & Pensioner Loan ✓ “Insta (In-Built) Sanction of Car Loan facility to existing MSME/Corporate borrowers" • Modification in Gold Loan Scheme for best Interest rates advantages ✓ Introduction of Krishi Swarna Yogana ✓ Tie-Ups with National Small Industries Corporation Ltd for financing MSMEs Schwing Stetter India Pvt Ltd for Financing Construction Equipments HV 8 ESG Initiatives & Awards Page | 42#43TAN fogether we can RuPay UPI UNIFIED PAYMENTS INTERFACE 1 4 AT मिति, 1dcell 4 (deeft) अध्यक्ष का विवरण सचिव का विवरण चित्र दीर्घा संप 56 fan dow सांस्कृतिक कार्यक्रम R20 god, 2022, de purgob notionel benk 1st Awards & Accolades სიის PNB BECOMES ONE OF THE FIRST BANKS TO LAUNCH UPI ON RUPAY CREDIT CARDS EASE 4.0 AWARD WINNERS pnb punjab national bank THEME-WISE AWARDS Atul K Goel MD & CEO CH SS M Rao Former MD & CEO Tech-Enabled Banking Governance and HR 1st Runner-up 1st Runner-up Sanjay Kumar Vijay Dube ED ED Kalyan Kumar ED SK Saha Former ED Punjab National Bank wins 2nd prize in Rajbhasha Kirti Puraskar" for the FY 2021-22 PNB was declared winner under 2 Themes of EASE 4.0 awards: 2 Tech Enabled Banking- 1st Runner Up 3 Governance and HR- 1st Runner Up Under APY, Bank qualified in "Winning Wednesday Campaign" by PFRDA as Warriors of Winning Wednesday July 2022 8 ESG Initiatives & Awards Page 143#44TAN fogether we can Disclaimer Lpnb "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 44#45TAN fogether we can To improve is to change, to be perfect is to change often Revamped PNB One App Update your current version or scan the code to download now 8 1 9 Thank You Clenb იის Page | 45