Investor Presentaiton

TAN 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

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