Punjab National Bank Earnings Summary — Q4 FY2026

Share Department, Board & Coordination Division, Head Office Plot No.4 Sector 10, Dwarka New Delhi-110075, E-mail: [hosd@pnb.bank.in](mailto:hosd@pnb.bank.in)

| Scrip Code:PNB | Scrip Code:532461 |
| --- | --- |
| National Stock Exchange of India Limited“Exchange Plaza”Bandra-Kurla Complex,Bandra(E)Mumbai-400051 | BSE LimitedPhiroze Jeejeebhoy Towers,Dalal Street,Mumbai-400001 |

Date: 12.05.2026

Dear Sir(s),

Reg.: Transcript of the Earnings Call with Analysts/Investors on Financial Results for the quarter / year ended 31 $ ^{st} $ March,2026

Pursuant to Regulation 30 read with 15(b)(iii) Para A Part A of Schedule III of the SEBI (LODR) Regulations, 2015, please find enclosed the transcript of the Earnings Call with the Analysts/ Investors on the Audited Financial Results for the quarter / year ended 31 $ ^{st} $ March, 2026, held on 05.05.2026. The same is also available at [https://pnb.bank.in/financials-current.html](https://pnb.bank.in/financials-current.html) .

The above is for your information and record, please.

Thanking you,

BIKRAMJ

Digitally signed by BIKRAMIT JSHOM Dn: ST= WestBengal,
serialNumber=f625168f6b9d4ca3962942801f90183f18263a5281af8984a5fe59e38, postalCode=700039,
personal=C, inPerson=C, n=BIKRAMIT JSHOM
Date: 2026.05.12 18:35:06 +05'30"

IT SHOM

(Bikramjit Shom)

Company Secretary

T:01128075000,28045000

Enclosed: As above

যাত্রাবল নীচুলাল বৈদ �punjab national bank

মুখ্যন কায়লিয়ে : দেখাতে সূ.4, সেইটহ-10, ডারকা, নংডি হিলেজ-110075
Head Office: Plot No. 4, Sector - 10, Dwarka, New Delhi 110075 India

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# “Punjab National Bank Q4 FY '26 Earnings Conference Call”

# May 05, 2026

## MANAGEMENT: MR. ASHOK CHANDRA – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – PUNJAB NATIONAL

## BANK MR. M PARAMASIVAM – EXECUTIVE DIRECTOR –

## PUNJAB NATIONAL BANK MR. BIBHU PRASAD MAHAPATRA – EXECUTIVE

## DIRECTOR – PUNJAB NATIONAL BANK MR. D SURENDRAN – EXECUTIVE DIRECTOR – PUNJAB

## NATIONAL BANK MR. AMIT KUMAR SRIVASTAVA – EXECUTIVE

## DIRECTOR – PUNJAB NATIONAL BANK

## MODERATOR: MS. PALAK SHAH – ELARA SECURITIES PRIVATE LIMITED

### Page 1 of 17

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Moderator:

Ladies and gentlemen, good day, and welcome to the Punjab National Bank Q4 FY '26 Earnings
Call hosted by Elara Securities. As a reminder, all participants' lines will be in the listen-only
mode and there will be an opportunity for you to ask questions after the presentation concludes.
Should you need assistance during this conference call, please signal an operator by pressing
star then zero on your touch-tone phone. Please note that this conference is being recorded.

I now hand the conference over to Palak Shah. Thank you, and over to you.

Palak Shah:

Hello, everyone, and welcome to Q4 FY '26 Earnings Conference Call of Punjab National Bank.
Today we have with us the management of the bank headed by Mr. Ashok Chandra, MD and
CEO; Mr. M Paramasivam, Executive Director; Mr. Bibhu Prasad Mahapatra, Executive
Director; Mr. D Surendran, Executive Director; and Mr. Amit Kumar Srivastava, Executive
Director.

With this introduction, I would like to hand over the call to Mr. Ajay Kumar Singh, General
Manager, Strategic Management and Economic Advisory Division to read out the disclaimer
statement, post which the MD sir will address the conference. Thank you, and over to you, sir.

Ajay Kumar Singh:

Good afternoon, ma'am. At the outset, let me read the 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 statements. Punjab
National Bank undertakes no obligation to update forward-looking statements to reflect events
or circumstances after the present date.

Now I request MD sir to address the analysts. MD sir, please.

Ashok Chandra:

Good afternoon, ladies and gentlemen. Welcome to the Q4 and fina

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