Investor Presentaiton

pnb Druk PNB Bank Ltd. FY'2018 FY'2019 Parameter (Jan-Dec) (Audited) Q4'2018 (Oct-Dec) Q3'2019 Q4'2019 (Jan-Dec) (July-Sept) (Oct-Dec) (Audited) 847 847 976 1091 1091 Loans and advances 1251 1251 1425 1430 1430 Deposits Capital adequacy ratio 17.97% 17.97% 14.89% 12.57% 12.57% Total Income 101 29 31 30 120 Total Expenses 67 20 20 21 30 95 Operating profit Net Profit 7 34 9 10 -0.46 25 23 6 3 0.22 19 Subsidiaries, JVs, Associates & RRBs Crore Page 68

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