SERVICE MANAGEMENT

PUNJAB NATIONAL BANK OJAL SAHU

COMPANY BACKGROUND

Industry group :Banking services Entity type: Public Ltd. Main product / service :Banking services Incorporation year :1895 Ownership group: Punjab National Bank Group Size group :Top decile Listed On: Bombay , National , Uttar Pradesh (Kanpur) Punjab National Bank was established in 1895 at Lahore in undivided India. It was nationalized in 1969 along with 13 other banks. It is headquartered at New Delhi.

PERFORMANCE HIGHLIGHTS

Total Business Crosses Rs 6.73 Lac Crore . Total Assets Cross Rs. 4.58 Lac Crore . Operating Profit FOR THE YEAR CROSSES RS 10000 Crore . Net Interest Margin: For the year Remains High AT 3.84%. Net Profit :Q4 Records 18.6% Growth to Reach Rs. 1424 Crore . Operating profit : Q 4 Grows by 17.1% To Touch Rs. 2936 Crore

CONTINUED

Total Income: For FY grows at 32.8% to cross Rs 40000 Crore . Net Interest Income increased to Rs 13414 Crore (FY). CASA Deposits to Domestics Deposits of the Bank was at 36.2%. Earnings per Share: Increased to Rs. 154.02 (FY).
: : : : : Rs. 673363 crore Rs. 379588 crore Rs. 293775 crore Rs. 458194 crore Rs. 777.42 21.3% 21.3% 21.3% 21.1% 22.9%

Business Deposits Credit Total assets Book value per share

PROFIT

Net Profit of the Bank for Financial Year ended March 2012 amounted to Rs. 4884 Crore as compared to Rs 4433 Crore last year, recording a y-o-y growth of 10.2 %. Operating profit of the Bank during the Financial Year ended March 2012 grew by 17.2% to reach Rs. 10614 Crore from Rs 9056 Crore in March11.

INCOME

Total income during Q4 FY12 rose by 27.6% to Rs. 10956 Crore due to healthy growth of 30.1% in Interest Income. Total income during FY 2012 increased to Rs. 40631 Crore, recording a growth of 32.8% on account of 35.0% growth in Interest Income. Net interest income for Financial Year ended March12 improved by 13.6% to Rs. 13414 crore Non-Interest Income in Q4 FY12 amounted to Rs. 1276 crore (11.4% growth) and Rs. 4203 crore for FY ended March12 (16.3% growth).

IMPORTANT RATIOS

Gross NPA ratio stood at 2.93% as at March12 whereas Net NPA ratio was 1.52%. Net Interest Margin (NIM) for FY ended March12 is 3.84% (3.96% in the previous year). Return on Assets stood at 1.28% in the Q4 FY12. (FY ended March12: 1.19%). Cost of Deposit stood at 6.80% for Q4 FY12 and 6.59% for FY ended March12.

IMPORTANT RATIO

Cost to Income ratio stood at 35.97% in Q4 FY12 and 39.75% in FY ended March12. Return on Average Equity stood at 22.84% in Q4 FY12 and 21.05% in FY ended March12.

Earnings Per Share was Rs. 179.13 for Q4FY12 and Rs. 154.02 in FY ended Mach12 (Rs 140.60 in March11)
Book Value per Share improved to Rs 777.42 in March12 as against Rs.632.48 in March11. CRAR of the bank was comfortable at 12.63% under BASEL-II (Tier-I Capital: 9.28%;Tier-II Capital: 3.35%).

DELIVERY CHANNEL

Banks branch network stands at 5670 . Bank has 6009 ATMs and around 169 lac card holders. PNB Internet Banking Channels are witnessing a steady increase in usage with about 17 lac internet banking users. More than 80 lac customers are availing SMS alert facility.

More than 27.7 % of transactions are being conducted through Alternate Delivery Channels.

FINANCIAL INCLUSION

Under FI plan, Bank has covered all 4588 villages with population over 2000 as allocated by SLBCs for providing Banking services during FY 2011-12. The Bank has been continuing 39 Information & Communication Technology based projects in 16 States covering 3219 villages through the Business Correspondent Model. Electronic Benefit Transfer (EBT): The Bank has undertaken 5 projects under the EBT for payment of Social Security Benefits/NREGA payments with 3.60 lakh beneficiaries.

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