Punjab National Bank · NSE:PNB
Punjab National Bank — Non-Deal Roadshow (August 2026)
37 slides from Punjab National Bank's roadshow presentation, Aug 19, 2026
Slide 1: Exchange intimation letter: Investor/Analyst Meet
Share Department, Board & Coordination Division, Head Office Plot No.4 Sector 10, Dwarka, New Delhi–110075, E-mail: hosd@pnb.bank.in Scrip Code : PNB Scrip Code : 532461 National Stock Exchange of India Limited BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers, Bandra – Kurla Complex, Bandra (E
Slide 2: Punjab National Bank Investor Presentation August 2026
PUNJAB NATIONAL BANK Investor Presentation August 2026
Slide 3: Resilient Growth Momentum Despite Evolving Global Headwinds
Resilient Growth Momentum Despite Evolving Global Headwinds GDP Projections – CY 2026 India Stands Out Among Major Economies 7.0% Strong Domestic Fundamentals Supported by 4.6% Policy Credibility, Structural Reforms and Digital Transformation 3.0% 2.3% 0.9% 1.0% 0.6% World United Euro Area United Ja
Slide 4: (In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
(In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
Slide 5: Bank history and milestones
1894 1895 1947 1969 2002 2016 2020 ‘Symbol of Trust’ moved from Lahore to Delhi & repaid PNB's successful PNB 2nd Largest PSB deposits on basis of whatever IPO divested up to of the Country after evidence was produced 20% of Govt. of amalgamation w.e.f. India's ownership 01.04.2020 Founded in Lahore
Slide 6: Subsidiaries, associates and joint ventures
PNB Subsidiaries Associates & Joint Venture Domestic Foreign Domestic Foreign RRB 35% stake in each one:- 1. PNB Cards & Services 1. PNBIL, London - 1. PNB Housing Finance Ltd – Everest Bank, Ltd. – 100% 100% Nepal- 1. Bihar Gramin Bank 28.03% 2. PNBISL -100% 2.DRUK PNB Bank 2. PNB MetLife India Ins
Slide 7: Key Management (Whole Time Directors)
Key Management (Whole Time Directors) Assumed the charge as MD & CEO of Punjab National Bank w.e.f. 16th January 2025. Prior to this, he was holding the position of Executive Director at Canara Bank from 21st November 2022 to 15th January 2025. Having more than 33 years of Professional Banking E
Slide 8: Board of Directors
Board of Directors Shri. D. Anandan is an Indian Administrative Service (IAS) Smt. Sankar presently serving as Regional Director for Officer of 2000 Batch belonging to Sikkim Cadre, currently Tamil Nadu and Puducherry, Reserve Bank of India. She has serving as Additional Secretary, Department of Exp
Slide 9: Shareholding as on 30.06.2026 and ratings
INTERNATIONAL RATINGS Shareholding as on 30.06.2026 Total No. of Shares: 11,492.9 Million Baa3/P-3/ BBB-/F3/ Stable Stable Resident Others, Individual , 7.00% 0.94% FIIs, 5.93% DOMESTIC RATING Mutual Funds, 6.51% FIs/ Banks/ PNB’s BASEL III BOND RATINGS Govt. of India, Insurance, 70.08% 9.54% Additi
Slide 10: Branch network and international presence
As on 30.06.2026 INTERNATIONAL PRESENCE Branches (Domestic) ATM BCs Branches at: Dubai and Gift City, Gandhinagar 10359 10605 33284 Subsidiaries: London (UK) and Bhutan Joint Venture: Nepal Representative Offices: Myanmar and Bangladesh 119 8 Total Touch Points 54,248 Delhi : 317 354 LOAN PROCESSING
Slide 11: Q1 FY27 key highlights
Data for Q1 FY’27 NET PROFIT ROA% BOOK VALUE PER OPERATING PROFIT SHARE (TANGIBLE) +213.6% YoY +67 bps YoY +6.2% YoY +17.2% YoY $ 555 Mn 1.04% $ 1.15 $ 794 Mn GNPA % NNPA % PCR (Inc. TWO) % SLIPPAGE RATIO -100 bps YoY -10 bps YoY +35 bps YoY -3 bps YoY 2.78% 0.28% 97.23% 0.68% GLOBAL BUSINESS GLOBAL
Slide 12: (In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
(In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
Slide 13: Business parameters: deposits and advances
Amt $ in Bn CAGR YoY S.N. Parameters Mar’22 Mar’23 Mar’24 Mar’25 Mar’26 Jun’26 Growth % Growth % 1 Global Business 204.02 228.80 248.57 283.46 313.71 11.4% 316.70 10.2% 1a Overseas Business 4.97 6.80 8.16 11.19 13.49 28.3% 13.09 20.6% 1b Domestic Business 199.05 222.00 240.41 272.27 300.23 10.8% 303
Slide 14: Domestic deposit mix
Amt $ in Bn CAGR YoY S.N. Parameters Mar’22 Mar’23 Mar’24 Mar’25 Mar’26 Jun’26 Growth % Growth % Domestic Deposit Mix 1 Global Deposits (2+3) 121.09 135.34 144.69 165.50 180.76 10.5% 182.21 8.5% June’26 2 Overseas Deposits 2.24 3.11 3.84 5.84 6.56 30.9% 5.77 5.3% 8.38 (4.7%) 3 Domestic Deposits 118.
Slide 15: Domestic credit mix
Amt $ in Bn CAGR YoY S.N. Parameters Mar’22 Mar’23 Mar’24 Mar’25 Mar’26 Jun’26 Growth % Growth % Domestic Credit Mix 1 Global Advances (2+3) 82.94 93.46 103.88 117.96 132.95 12.5% 134.49 12.7% June’26 2 Overseas Advances 2.74 3.69 4.32 5.34 6.93 26.2% 7.32 36.3% 3 Domestic Advances 80.20 89.77 99.55
Slide 16: Sector-wise standard portfolio: Energy Sector
Amt $ in Mn June’25 Mar’26 June’26 Energy Sector Sl. Industry % to % to % to O/s Domestic O/s Domestic O/s Domestic External Rating Standard Portfolio Advances Advances Advances 30.06.2026 : $ 5041 Mn 1 Infrastructure 10789 9.5% 11776 9.3% 11345 8.9% -Energy 4632 4.1% 5114 4.1% 5049 4.0% External Ra
Slide 17: Gross NPA, Net NPA, PCR and credit cost
Amt $ in Mn Gross NPA% Net NPA% 4.80% 11.78% 8.74% 2.72% 5.73% 3.95% 0.73% 2.95% 2.78% 0.40% 0.29% 0.28% Mar’22 Mar'23 Mar'24 Mar'25 Mar'26 June'26 Mar’22 Mar'23 Mar'24 Mar'25 Mar'26 June'26 (Annualized) PCR%- (Incl. TWO) PCR%- (excl TWO) Credit Cost % 1.91% 2.03% 95.39% 96.82% 97.14% 97.23% 86.90%
Slide 18: NPA movement
Amt $ in Mn Sl. Parameters FY’22 FY’23 FY’24 FY’25 FY’26 Jun’26 1 NPA at the beginning of Year/Quarter 11031 9766 8169 5952 4657 3922 2 Cash Recovery & Up-gradation (2a+2b) 1555 1539 1115 725 603 168 2a -Cash Recovery 1000 1035 751 529 394 89 2b -Up-gradation 555 504 364 196 209 79 3 Write Off 2324
Slide 19: Capital and CRAR, risk weighted assets
Amt $ in Bn Capital & CRAR Sl. Parameters Mar’22 Mar’23 Mar’24 Mar’25 Mar’26 Jun’26 1 Total Capital (Tier 1+2) 9.20 10.79 12.41 14.87 16.89 17.58 CRAR % 14.50% 15.50% 15.97% 17.01% 17.74% 18.13% Out of Which, 2 Tier 1 7.44 8.83 10.24 12.28 14.43 15.54 Tier 1% 11.73% 12.69% 13.17% 14.05% 15.15% 16.03
Slide 20: (In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
(In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
Slide 21: Balance sheet
Amt $ in Bn Sl. Parameters 31st Mar’22 31st Mar’23 31st Mar’24 31st Mar’25 31st Mar’26 30th June’26 CAPITAL & LIABILITIES 1 Capital 0.23 0.23 0.23 0.24 0.24 0.24 2 Reserves and Surplus 9.85 10.32 11.02 13.21 14.83 15.45 3 Deposits 121.09 135.34 144.69 165.50 180.76 182.21 4 Borrowings 4.83 5.42 5.33
Slide 22: Income analysis: interest and other income
Amt $ in Mn YoY Var. (%) YoY Var. (%) Sl. Parameters FY’22 FY’23 FY’24 FY’25 FY’26 FY’26 over Q1 FY’27 Jun’26 over FY’25 Jun’25 1 Interest Income (2+3+4) 7910 8994 11293 12863 13545 5.3% 3475 2.9% 2 Interest on Advances 5123 6055 8022 9096 9377 3.1% 2436 6.4% 3 Interest on Investments 2481 2656 2920
Slide 23: Expense analysis
Amt $ in Mn YoY Var. (%) YoY Var. (%) Sl. Parameters FY’22 FY’23 FY’24 FY’25 FY’26 FY’26 over Q1 FY’27 Jun’26 over FY’25 Jun’25 1 Total Interest Paid (2+3+4) 4879 5351 7059 8343 9113 9.2% 2335 3.3% 2 Interest Paid on Deposits 4568 4949 6582 7832 8636 10.3% 2212 2.6% 3 Interest Paid on Borrowings 55
Slide 24: Net profit, ROA, operating profit and NII
Amt $ in Mn (Annualized) Net Profit Return on Assets (%) 1757 1786 0.97% 1.04% 0.89% 871 0.54% 555 0.26% 365 265 0.18% FY'22 FY'23 FY'24 FY'25 FY'26 Q1 FY'22 FY'23 FY'24 FY'25 FY'26 Q1 FY'27 FY'27 Operating Profit Net Interest Income 3094 4234 4519 4433 2634 2834 3644 2193 2380 3031 794 1141 FY'22 F
Slide 25: Profit and loss summary
Amt $ in Mn YoY Var. (%) YoY Var. (%) Sl. Parameters FY’22 FY’23 FY’24 FY’25 FY’26 FY’26 over Q1 FY’27 Jun’26 over FY’25 Jun’25 1 Net Interest Income 3031 3644 4234 4519 4433 -1.9% 1141 2.1% 2 Other Income 1301 1283 1414 1723 1985 15.2% 458 -17.7% 3 Operating Income (1+2) 4333 4926 5648 6242 6418 2.
Slide 26: Domestic and global key ratios
(Annualized) Domestic Sl. Key Ratios FY’22 FY’23 FY’24 FY’25 FY’26 Q1 FY’27 1 Cost of Deposits[%] 4.05% 4.12% 4.89% 5.21% 5.17% 5.02% 2 Cost of Fund[%] 3.53% 3.58% 4.31% 4.59% 4.54% 4.36% 3 NIM [%] 2.79% 3.19% 3.23% 3.08% 2.70% 2.64% 4 Yield on Advances (%) 6.96% 7.31% 8.37% 8.47% 7.92% 7.70% 5 Yiel
Slide 27: Key ratios
(Annualized) Sl. Key Ratios Mar’22 Mar’23 Mar’24 Mar’25 Mar’26 Jun’26 1 Return on Assets [%] 0.26% 0.18% 0.54% 0.97% 0.89% 1.04% 2 Return on Equity [%] 5.96% 3.94% 11.66% 19.33% 15.67% 17.33% 3 Book Value per Share [$] 0.84 0.87 0.94 1.09 1.21 1.27 4 Book Value per Share-Tangible [$] 0.58 0.64 0.72
Slide 28: (In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
(In USD/INR terms, USD @ 94.6626 INR) Follow our Official Page: www.pnb.bank.in
Slide 29: Digital banking users and transactions
PNB One Activated Users PNB One BIZ Activated Users WhatsApp Banking Users (in Million) (in Million) (in Million) (375+ features) (210+ features) (90+ features) 27.0 0.35 14 22.7 0.14 7 As on As on As on As on As on As on Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Digital Transactions UPI Trans
Slide 30: Digital lending products and performance
Digital Lending Performance Digital Lending Products Digital Sanctions – Q1 FY 27 $438.29 Million RETAIL (110474 Accounts) 1. Digi Car Loan 1. Krishi Tatkal Rin 1. Digi MSME 2. Personal Loan 2. KCC Review, Renewal & DP 2. Digi MSME Prime 3. Digi Education Loan Enhancement (upto ₹10.00 Lakh) 3. PM Vi
Slide 31: Business Augmentation
‘Project Sentinel’-Tracing the Mule Network Thread Analysing complex peer-to-peer fund flows to expose hidden mule topologies and pre-empt coordinated financial fraud. Business Augmentation (Amt $ in Mn) As on June’26 Analytics Platform Upgrade Upgraded our core analytics ecosystem to unlock faster,
Slide 32: Environmental, Social and Governance
Environmental Social Governance To encourage sustainable housing, the Bank “DIGI PNB SHRAM SAATHI” – Consumption ISO 9001:2015 certification obtained by key has introduced the PNB Harit Niwas Loan to wage earners enrolled with various HO divisions, showcasing robust governance scheme, with pre
Slide 33: Sustainable financing and solar power initiatives
Shortlisted for the RBI Expanding the clean energy Regulatory Sandbox under the footprint, the bank completed Sustainable Financing theme "Sustainable Finance Green Tariff adoption at 126 (Sanctions During Q1 FY2027) and Climate Risk Mitigation." locations, with 173 more underway across three states
Slide 34: Awards and recognition
Golden Peacock National Training APY Annual Awards: Excellence Achiever Platinum for Treasury Transformation at the Award for the year 2026 for FY 2025-26 targets, awarded by PFRDA Infosys Finacle Innovation Awards 2026 Winner in the Climate Finance category for Platinum for Product Innovation at BA
Slide 35: Guidance for FY27
Parameters Guidance for FY’27 June’26 (Actuals) Credit Growth % (YoY) 12%-13% 12.7% Deposit Growth % (YoY) 9%-10% 8.5% CASA Share % 38% 36.7% Operating Profit Gr % (YOY) 9%-10% 6.2% Net Interest Income Gr % (YOY) 7% 2.1% NIM % 2.60%-2.70% 2.50% Gross NPA % < 2.50% 2.78% Net NPA % < 0.3% 0.28% PCR %
Slide 36: Disclaimer
Disclaimer “This representation contains certain forward-looking statements apart from historical information. 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
Slide 37: Thank You
5,32,000 34,84,289 2,35,760 53,500 4,70,546 Thank You 11,94,090
Punjab National Bank — Non-Deal Roadshow (August 2026) on 6ix