Investor Presentaiton

pnb Cost of Deposit [%] 5.14 5.16 FY19 FY20 Yield on Investment [%] 7.41 7.13 FY19 FY20 2 Cost & Yield Ratios (FY) Cost of Funds [%] 4.29 4.25 Yield on Advances [%] 7.72 7.82 FY19 FY20 FY19 FY20 Yield on Funds [%] NIM [%] 2.59 6.44 6.28 2.41 2.40 2.30 FY19 FY20 FY19 FY20 ■NIM (Domestic) [%] Profitability NIM (Global) [%] Page 31

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