Business : Rs.792405 crore 12.9%
Deposits : Rs. 444920 crore 12.1%
Credit : Rs. 347485 crore 13.9%
CASA Deposits : Rs. 163642 crore 9.1%
Book Value per Share : Rs. 991.33



Net Profit of the Bank for the quarter ended June 2014 (Q1 FY’15) amounted to Rs. 1405 1crore as against Rs 1275 crore last year, registering a YOY growth of 10.2%.
Operating Profit for Q1 FY’15 stood at Rs 3125 crore as against Rs 29749 crore in Q1 FY’14, registering a YOY growth of 5.1%
Total income during Q1 FY’15 amt to Rs 12825 crore.
Net Interest Income for Q1 FY’15 improved by 12.1% to Rs.4380 crore.
Non-Interest Income in Q1 FY’15 amounted to Rs.1236 crore.


Total Business of the Bank reached Rs.792405 crore as against Rs 702007 crore in June 2013, showing a y-o-y growth of 12.9%.
Deposits of the Bank rose to Rs.444920 crore as on 30.06.2014 from Rs396828 crore as on 30.06.2013, exhibiting a y-o-y growth of 12.1%.
CASA deposits increased to Rs.163642 crore in June’14 from Rs.149947 crore in June’13, recording a growth of 9.1%. Domestic CASA share worked out to 39.9%
Saving deposits increased by 10.8% to Rs.136586 crore.
Advances of the Bank at Rs.347485 crore at the end of June’14 grew by 13.9% as against Rs. 305179 crore at the end of June’13.
Credit Deposit Ratio works out to 78.10% as at June’14.
Important Ratios
Gross NPA ratio stood at 5.48% as at June’14 whereas Net NPA ratio was 3.02%.
Net Interest Margin (NIM) remains good at 3.42% for Q1 FY’15.
Return on Assets stood at 1.00 % in the Q1 FY’15.
Cost of Deposit stood at 6.11% for Q1 FY’15.
Cost to Income ratio stood at 44.35% in Q1 FY’15.
Return on Equity stood at 15.66% in Q1 FY’15.
Book Value per Share improved to Rs.991.33 in June’14 as against Rs.920.22 in June’13.

Delivery Channels Expansion


Bank has a strong pan India presence with wide network of 6340 branches.
Bank’s ATM network reached 7717 and number of card holders increased to 258.29 lakh.
PNB Internet Banking Channels are witnessing a steady increase in usage with more than 25 lac internet banking users.
More than 260 lac customers are availing SMS alert facility.
Around 55% of transactions are being conducted through Alternate Delivery Channels.

Retail Credit
Focus on Retail lending continued during the quarter and Retail loans outstanding grew by 22% on YoY basis to Rs.39034.77 crore at end of June’14 as against Rs.31998.33 crore in corresponding period last year.
Good y-o-y growth in Car/Vehicle loan (27.2%), Reverse Mortgage scheme (12.7%), Pensioners loan portfolio (17.6%) , Personal Loan (30%) and Housing loan (20%)

International Forays
PNB has five representative offices in Dubai, Almaty (Kazakhstan), Shanghai (China), Oslo (Norway) and Sydney (Australia). Bank has got permission from RBI for opening of a Representative Office in Yangon Mynamar and Bangladesh.
Bank is looking forward to upgrade its Representative Office in Australia to full fledged branch, which would be in addition to the existing 2 branches in Hong Kong and a branch each in DIFC, Dubai, Kabul (Afghanistan).
Bank has three overseas subsidiaries viz. PNB International limited in UK with 7 branches, JSC SB PNB Kazakhstan with 4 branches and Druk PNB Bank Ltd, Bhutan with 5 branches.
Bank has a Joint Venture in Nepal with Everest Bank Ltd.
Bank is also exploring possibilities for establishing its presence in Maldives, Canada, Mozambique, Brazil and South Africa.

Priority Sector
PS Advances grew by 24.79% (YOY) to Rs 113530 crore.
Outstanding Agricultural advances were Rs.48901 crore as at June’14.

The Bank has Issued 58239 fresh Kisan Credit Cards (KCCs) during 2014-15 upto June 2014 taking the cumulative number of KCCs issued to 50.40 lakh since inception.

Micro, Small & Medium Enterprises
Credit to MSME sector rose to Rs 74757 crore as at end of June’14 from Rs 59421 crore last year, recording a growth of 25.81 %.
Credit to Micro & Small Enterprises grew by 22.02% to Rs.58263 crore as on 30.06.2014.
Credit to Micro enterprises grew by 30.57% to Rs 24100 crore.
Financial Inclusion
The number of BSBDA accounts has crossed 10 million.
FIP now implemented in all the allocated 4588 villages.
Accounts of more than 2.5 million DBT beneficiaries mapped with NPCI.
More than 4 million transactions routed through NACH platform.
New initiatives taken:
Aadhar card adopted as valid KYC document
Micro Insurance
Micro Pension
Immediate Payment System (IMPS)
Aadhar Enabled Payment System (AEPS)


CSR & Empowerment initiatives



Bank has adopted 126 villages under PNB VIKAS (village adoption scheme) with an objective to develop the identified villages in an integrated manner, which includes Human Development, Economic Development & other Infrastructure Development.

Under the aegis of PNB Centenary Rural Development Trust (PNBCRDT), Bank has operationalised 50 PNB Rural Self Employment Training Institutes (PNBRSETIs) for providing training to the rural youth with focus on BPL families and women so that they can engage themselves in self employment or get wage employment and raise their income level. During the year up to June, 3109 persons have been trained in these centers out of which 892 belonged to BPL families and 1947 were women.

Bank has set up 107 Financial Literacy and Credit Counseling Centers to provide financial literacy and credit counseling where knowledge about schemes of various Banks, the benefits of getting linked to banks is disseminated through one-to-one discussion and holding seminars. Services are provided free of cost. During the year 2014-15, enquiries from 69829 persons were attended to and 55235 persons attended 1160 seminars conducted by the FLCCs.

Under the aegis of the PNB Farmers’ Welfare Trust, Ten Farmers’ Training centers are working which provide free of cost training on agriculture & allied activities, Computers, cutting & tailoring / embroidery and conduct entrepreneurship development programs. These FTCs have imparted training to 17181 farmers and youth by conducting 609 training programmes during the year 2014-15. Since inception FTCs have imparted training to 655239 persons by conducting 23242 programs.

Bank has launched ‘PNB Ladli’ scheme for popularization of education among girls of Rural / Semi urban areas.