PUNJAB NATIONAL BANK PERFORMANCE HIGHLIGHTS FOR Q4 FY 13 AND FY 2013
EDITPUBLISHED MAY 9, 2013 BY SAGARMEDIA
Performance Highlights for Q4 FY 13 and FY 2013
TOTAL BUSINESS CROSSES Rs. 7.00 LAC CRORE.
DOMESTIC CASA SHARE ABOVE 40%.
OPERATING PROFIT FOR FY ABOVE Rs 10000 CRORE.
NET INTEREST MARGIN CONTINUES TO BE ABOVE 3.50%.
NET INTEREST INCOME FOR Q4 GROWS BY 14.2%.
RETURN ON ASSETS STOOD AT 1.0%.
GROSS & NET NPAs SHOW DECLINE OVER PREVIOUS QUARTER
Business : Rs. 700285 crore 4.0%
Domestic CASA Share :
40.86%
Operating Profit (FY) :
Rs.10908 crore 2.8%
Net Interest Margin (FY) :
3.52%
Book Value per Share : Rs. 915.50 17.8%
Clientele base :
80 million
Q4FY13
• Net Profit of the Bank for the quarter ended March 2013 (Q4 FY’13) amounted to Rs. 1131
crore as against Rs 1424 crore last year. Net Profit from Core Operations (i.e. excluding
treasury trading profit and depreciation on investments) at Rs 1059 crore for Q4FY13 was
marginally lower than Rs 1063 crore in the corresponding period Q4FY12
• Operating Profit for Q4 FY’13 stood at Rs 2853 crore as against Rs 2936 crore in Q4 FY’12 and
Rs 2682 crore in the previous quarter (Q3FY13).
• Total income during Q4 FY’13 rose by 5.5 % to Rs. 11554 crore due to a growth of 7.2% in
Interest Income.
• Net Interest Income during Q4 FY’13 rose by 14.2% to reach Rs 3779 crore as against 3310
Crore in Q4 FY’12.
FY13
• Net Profit of the Bank for Financial Year ended March 2013 amounted to Rs. 4748 crore as
compared to Rs 4884 crore last year.
• Operating profit of the Bank during the Financial Year ended March 2013 grew by 2.8% to
reach Rs.10908 crore from Rs 10614 crore in March’12.
• Total income during FY’13 rose by 13.5 % to Rs. 46110 crore due to a growth of 15.0% in
Interest Income.
• Net Interest Income during FY’13 rose by 10.8% to reach Rs 14857 crore as against 13414 Crore
in FY’12.
Bank has established overseas footprints in 10 countries via 4 overseas branches and an
offshore banking unit in Mumbai, wholly owned subsidiary in UK with 7 branches & a
subsidiary each in Kazakhstan & Bhutan; 5 Representative offices in Australia, Norway,
Dubai, China and Kazakhstan; and one joint venture with Everest Bank Ltd., Nepal.
• PNB is also looking to upgrade its Representative Offices in Oslo in Norway & Sydney in
Australia to full fledged branches .
• Bank has got permission from RBI for opening of a qualifying full bank (QFB) branch in
Singapore and opening of a rep office in Yangon , Mynamar.
• Bank’s future overseas forays include presence in Canada, Maldives, Mozambique, Bangladesh,
Pakistan and Brazil.
• Bank has embarked on an ambitious organizational restructuring exercise named “PNB
Pragati”. The programme is based on three pillars namely – HR Transformation, Operating
Model Optimization & Alternate Channels & New Business Opportunities. It is aimed at moving
the Bank into higher growth trajectory giving edge over its peers and new players.
• Cash Deposit Machines have been installed in the branches providing a self service terminal
where customers can deposit cash which gets credited to their accounts on real time basis.
• Installed Self Service Pass Book Printer terminals in the branches and e-lobbies, which help the
customers to get the passbooks updated at their convenience.
Golden Peacock Business Excellence Award 2013.
Bank has conferred with National Award 2012 for North Zone under PMEGP Scheme.
Indira Gandhi Rajbhasha Shield – a top most prize scheme of Govt. of India.
Reserve Bank of India has declared first prize for our Bank’s House Magazine “PNB Staff
Journal” in the inter-bank bilingual house magazine competition
Social and Corporate Governance Award – Best Corporate Social Responsibility by World
CSR Day ( World CSR Congress) and BSE.
Most Socially Responsive Bank 2012- Business world- PwC
Best Public Sector Bank by CNBC TV 18
Organization with Innovative HR Practices by ASIA Pacific HRM Congress.
Prestigious Awards by Indian Banks’ Association:
Best Use of Business intelligence – Winner
Best Risk Management and Security Initiatives – Winner
Best Bank Online – First Runner up
Best financial Inclusion Initiatives – Second Runner up
Best Banker Award under Agriculture Credit (Large Bank) by The Sunday Standard.
Best Public Sector Bank under Priority Sector Lending by Dun & Bradstreet Polaris Financial
Technology Banking Awards 2012
CMO Asia Excellence for Branding and Marketing under BFSI category.
3
rd Asia’s Best Employer Brand Awards 2012-Excellence in Training by Employer Brand
Awards & World HRD Congress
TOTAL BUSINESS CROSSES Rs. 7.00 LAC CRORE.
DOMESTIC CASA SHARE ABOVE 40%.
OPERATING PROFIT FOR FY ABOVE Rs 10000 CRORE.
NET INTEREST MARGIN CONTINUES TO BE ABOVE 3.50%.
NET INTEREST INCOME FOR Q4 GROWS BY 14.2%.
RETURN ON ASSETS STOOD AT 1.0%.
GROSS & NET NPAs SHOW DECLINE OVER PREVIOUS QUARTER
Business : Rs. 700285 crore 4.0%
Domestic CASA Share :
40.86%
Operating Profit (FY) :
Rs.10908 crore 2.8%
Net Interest Margin (FY) :
3.52%
Book Value per Share : Rs. 915.50 17.8%
Clientele base :
80 million
Q4FY13
• Net Profit of the Bank for the quarter ended March 2013 (Q4 FY’13) amounted to Rs. 1131
crore as against Rs 1424 crore last year. Net Profit from Core Operations (i.e. excluding
treasury trading profit and depreciation on investments) at Rs 1059 crore for Q4FY13 was
marginally lower than Rs 1063 crore in the corresponding period Q4FY12
• Operating Profit for Q4 FY’13 stood at Rs 2853 crore as against Rs 2936 crore in Q4 FY’12 and
Rs 2682 crore in the previous quarter (Q3FY13).
• Total income during Q4 FY’13 rose by 5.5 % to Rs. 11554 crore due to a growth of 7.2% in
Interest Income.
• Net Interest Income during Q4 FY’13 rose by 14.2% to reach Rs 3779 crore as against 3310
Crore in Q4 FY’12.
FY13
• Net Profit of the Bank for Financial Year ended March 2013 amounted to Rs. 4748 crore as
compared to Rs 4884 crore last year.
• Operating profit of the Bank during the Financial Year ended March 2013 grew by 2.8% to
reach Rs.10908 crore from Rs 10614 crore in March’12.
• Total income during FY’13 rose by 13.5 % to Rs. 46110 crore due to a growth of 15.0% in
Interest Income.
• Net Interest Income during FY’13 rose by 10.8% to reach Rs 14857 crore as against 13414 Crore
in FY’12.
Bank has established overseas footprints in 10 countries via 4 overseas branches and an
offshore banking unit in Mumbai, wholly owned subsidiary in UK with 7 branches & a
subsidiary each in Kazakhstan & Bhutan; 5 Representative offices in Australia, Norway,
Dubai, China and Kazakhstan; and one joint venture with Everest Bank Ltd., Nepal.
• PNB is also looking to upgrade its Representative Offices in Oslo in Norway & Sydney in
Australia to full fledged branches .
• Bank has got permission from RBI for opening of a qualifying full bank (QFB) branch in
Singapore and opening of a rep office in Yangon , Mynamar.
• Bank’s future overseas forays include presence in Canada, Maldives, Mozambique, Bangladesh,
Pakistan and Brazil.
• Bank has embarked on an ambitious organizational restructuring exercise named “PNB
Pragati”. The programme is based on three pillars namely – HR Transformation, Operating
Model Optimization & Alternate Channels & New Business Opportunities. It is aimed at moving
the Bank into higher growth trajectory giving edge over its peers and new players.
• Cash Deposit Machines have been installed in the branches providing a self service terminal
where customers can deposit cash which gets credited to their accounts on real time basis.
• Installed Self Service Pass Book Printer terminals in the branches and e-lobbies, which help the
customers to get the passbooks updated at their convenience.
Golden Peacock Business Excellence Award 2013.
Bank has conferred with National Award 2012 for North Zone under PMEGP Scheme.
Indira Gandhi Rajbhasha Shield – a top most prize scheme of Govt. of India.
Reserve Bank of India has declared first prize for our Bank’s House Magazine “PNB Staff
Journal” in the inter-bank bilingual house magazine competition
Social and Corporate Governance Award – Best Corporate Social Responsibility by World
CSR Day ( World CSR Congress) and BSE.
Most Socially Responsive Bank 2012- Business world- PwC
Best Public Sector Bank by CNBC TV 18
Organization with Innovative HR Practices by ASIA Pacific HRM Congress.
Prestigious Awards by Indian Banks’ Association:
Best Use of Business intelligence – Winner
Best Risk Management and Security Initiatives – Winner
Best Bank Online – First Runner up
Best financial Inclusion Initiatives – Second Runner up
Best Banker Award under Agriculture Credit (Large Bank) by The Sunday Standard.
Best Public Sector Bank under Priority Sector Lending by Dun & Bradstreet Polaris Financial
Technology Banking Awards 2012
CMO Asia Excellence for Branding and Marketing under BFSI category.
3
rd Asia’s Best Employer Brand Awards 2012-Excellence in Training by Employer Brand
Awards & World HRD Congress
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