Download - PNB Analyst Presentation Sep 2710
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Presentation on Performance for thePresentation on Performance for the
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Customer Net Base60.3million
BusinessRs 4.82 laccrYOY
22.3%
At Rs 1.11lac crShare 40.6%
InterestIncomeRs 5575 crYOY47.1%
ProfitRs 4198 crYOY 32.2%
3.99%
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Overview of Performance Half Year Sept 2010
OperatingProfitOperatingProfit::
41984198 32.232.2(Rs. Crore)
NetProfitNetProfit::
21432143 21.821.8TotalBusinessTotalBusiness
::482159482159 22.322.3
TotalAssetsTotalAssets 328208328208 21.221.2::
..CreditCredit
::208764208764 27.627.6
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Profit (Rs. Crore)
Sl.Sl. ParametersParametersQ2Q2
Q2Q2
Q1Q1
VariationVariation
((Q211 overQ211 over
Amt.Amt. (%)(%)
11 InterestIncomeInterestIncome 53055305 64556455 59675967 11511151 21.7021.70
22 InterestExpensesInterestExpenses 33123312 34793479 33733373 166166 5.035.03
33 NII
(Spread)
(1NII
(Spread)
(1
2)
2)
19921992 29772977 25932593 984984 49.4149.41er ncomeer ncome ..
55 OperatingExpensesOperatingExpenses 11571157 15951595 13921392 438438 37.8137.81
66 Contribution(4Contribution(45)5) 386386 877877 500500 491491 127.01127.01
77 OperatingProfit(3+6)OperatingProfit(3+6) 16061606 21002100 20932093 494494 30.7530.75
88 ProvisionsProvisions 679679 10261026 10301030 346346 50.9650.96
4
99 NetProfitNetProfit 927927 10741074 10631063 148148 15.9315.93
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Profit from Core O erations (Rs. crore)
'' ''
VariationVariationQ2'11Q2'11
''ParticularsParticulars
FY10FY10
FY11FY11 FY11FY11
AmountAmount Growth
Growth(%)(%)
TreasuryTradingProfitTreasuryTradingProfit 150150 3838 121121 112112 74.6774.67
Depreciation onInvestmentsDepreciation onInvestments 8383 6767 1414 1616 19.2819.28
NetProfitNetProfit
(ExcludingTreasuryOperations)(ExcludingTreasuryOperations)859859 11041104 961961 245245 28.5228.52
..
TreasuryTradingProfitTreasuryTradingProfit 150150 3838 121121 112112 74.6774.67
CoreOperatingProfitCoreOperatingProfit
5
(ExcludingTradingProfit)(ExcludingTradingProfit) 14561456 20622062 19771977 606606..
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Provisions(Rs.Crore)
Sl.Sl. ParticularsParticularsQ2Q2
FY'10FY'10
Q2Q2
FY'11FY'11
Q1Q1
FY11FY11
Variation(Variation(Q2'11Q2'11
overoverQ2'10Q2'10))
Amt.Amt. %%
11 ProvisionProvisiontowardstowardsNPAsNPAs 5757 361361 550 304304 533.33533.33
00 3939 3939
33 StandardRestructuredStandardRestructured 7474 4040 23 3434 45.9545.95
ProvisionsforDe reciationonProvisionsforDe reciationon
Investment(Net)Investment(Net) 8383 6767 14 1616 19.2819.28
ProvisionsmadetowardProvisionsmadetoward
WealthTax)WealthTax) 463463 510510 496 4747 10.1510.15
66 OthersOthers 22 1010 47 88 400.00400.00
6
77 TotalProvisionsTotalProvisions 679679 10261026 1030 347347 51.1051.10
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Break-up : Income (Rs. Crore)
Sl.Sl. ParametersParametersQtr2Qtr2
20102010
Qtr2Qtr2
20112011
Qtr1Qtr1
20112011
Variation(Variation(Q211Q211
overoverQ210Q210))
Amt.Amt. %%
11 Intereston
Advances
Interest
on
Advances
41494149 50355035 46724672 886886 21.321.322 InterestonInvestmentsInterestonInvestments 10931093 13971397 12751275 304304 27.827.8
33 Ot erInterestIncomeOt erInterestIncome 6363 2323 2020 4040 63.463.4
44 InterestIncome(1+2+3)InterestIncome(1+2+3) 53055305 64556455 59675967 11501150 21.721.7
55 OtherIncomeOther
Income 771771 718718 892892 5353 6.86.8
ofwhichofwhich
66 CoreNonCoreNonInterestIncome.InterestIncome. 568568 569569 694694 22 0.30.3
77 Recoveryin
Written
off
aRecovery
in
Written
off
a cscs 3535 8989 7676 5454 156.1156.1
88 TradingProfitTradingProfit 150150 3838 121121 113113 74.974.9
99 OthersOthers 1818 2222 11 44 22.222.2
7
1010 TotalTotalIncome (4+5Income (4+5)) 60766076 71747174 68636863 10971097 18.118.1
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Fee Based Income (Rs.Crore)
Sl.Sl. ParticularsParticularsQ2Q2 Q2Q2 Q1Q1 VarVar (Q2'11overQ2'10)(Q2'11overQ2'10)
FY'10FY'10 FY'11FY'11 FY11FY11 AmountAmount %%
11 Collection&RemittancesCollection&Remittances 83 65 66 18.4 22.2
22 LC/LGLC/LG 102 140 131 38.6 38.0
33 Processing
ProcessingFees
Fees
109 148 210 39.4 36.2
44 Govt.BusinessGovt.Business 16 17 13 0.8 4.9
oc er enoc er en . .
66 ThirdPartyProductsThirdPartyProducts 1 4 3 3.6 600.0
77 ATMChargesRecoveredATMChargesRecovered 26 54 32 28.1 108.5
88 OthersOthers 33 33 28 0.3 0.9
AA Commission,Exchange&BrokerageCommission,Exchange&Brokerage 381 474 496 93.0 24.4
BB ExchangeProfitExchangeProfit 58 31 113 27.3 47.0
CC MiscFeeIncomeMiscFeeIncome 28 43 27 15.0 53.6
DD DividendIncome
MFDividend
Income
MF 101 22 58
79.4
78.6
1010 CoreNonInterestIncomeCoreNonInterestIncome 568 569 694 1.4 0.2
1111 RecoveryinW/oA/RecoveryinW/oA/cscs 35 89 76 54.3 156.1
8
. .
1212 OthersincDividend IncomefromsubOthersincDividend Incomefromsub 17 22 1 4.8 27.9
EE NonInterest
IncomeNon
Interest
Income 771 718 892
52.9
6.9
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Break-up : Expenditure Rs. Crore
Sl.Sl. ParametersParametersQ2Q2
FY10FY10
Q2Q2
FY11FY11
Q1Q1
FY11FY11
VariationVariation
((Q211 /Q210)Q211 /Q210)
..
11 InttIntt.Paid
on
Deposits
.Paid
on
Deposits
30703070 31523152 30923092 8282 2.72.7
22 InttIntt.PaidonBorrowings.PaidonBorrowings 2020 5858 2727 3838 195.2195.2
33 OthersOthers 223223 269269 254254 4646 20.920.9
44 TotalInterestPaid(1+2+3)TotalInterestPaid(1+2+3) 33123312 34793479 33733373 166166 5.05.0
55 EstablishmentExpenses
Establishment
Expenses
727727 11131113 995995 386386 53.153.1
5a5a ProvProv forforwage/Pension/Gratuitywage/Pension/Gratuity 2525 250250 250250 225225 900.0900.0
5b5b EstabEstab.Expenseexcl.Prov..Expenseexcl.Prov. 702702 863863 745745 161161 22.922.9
..
77 OperatingExpenses(5+6)OperatingExpenses(5+6) 11571157 15951595 13921392 438438 37.937.9
88 TotalExpenses(4+7)TotalExpenses(4+7) 44694469 50745074 47654765 605605 13.513.5
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# Rs. 125 cr. Provision for Pension Fund 2nd option & Rs 125 cr for Gratuity Fundbesides Rs cr towards AS-15
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Cost & Yield Ratio
Sl.Sl. ParticularsParticularsQ2Q2 Q2Q2 Q1Q1
(Annualized)
FY 2010FY 2010 FY2011FY2011 FY2011FY2011
11 CostofDeposit[%]CostofDeposit[%] 5.675.67 4.964.96 5.025.02
22 CostofFund[%]CostofFund[%] 5.115.11 4.394.39 4.504.50
33 YieldonAdvances %YieldonAdvances % 10.7810.78 10.5510.55 10.2410.24
44 YieldonInvestment[%]YieldonInvestment[%] 6.556.55 6.696.69 6.786.78
55 Yieldon
Fund
[%]Yield
on
Fund
[%] 8.168.16 8.158.15 7.977.97
66 NetInterestMar in[%]NetInterestMar in[%] 3.503.50 4.064.06 3.943.94
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Profitability Ratio (Annualized)
Sl.Sl. ParticularsParticularsQ2Q2
FY2010FY2010
Q2Q2
FY2011FY2011
Q1Q1
FY2011FY2011
11 Returnon
Assets
[%]Return
on
Assets
[%] 1.391.39 1.361.36 1.381.38
22 ReturnonNetworth %ReturnonNetworth % 24.8924.89 23.3923.39 24.7024.70
33 Opt.ProfittoAWF[%]Opt.ProfittoAWF[%] 2.502.50 2.682.68 2.802.80
.. .. ..
55 EstbEstb.Exp.ToTotalExp.[%].Exp.ToTotalExp.[%] 16.2816.28 21.9421.94 20.8920.89
p .
xp.
o
p .
xp.
o
.. .. ..
77 BookValueperShare[Rs]BookValueperShare[Rs] 472.51472.51 582.72582.72 548.66548.66
88 Earningspershare[Rs]Earningspershare[Rs] 117.60117.60 136.32136.32 135.53135.53
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uarterl Net Interest Mar in 3.99 4.064.1
4.3
3.56
.
3.593.33
3.50
3.64
3.94
3.3
3.53.7
.
3.13
.
2.7
2.9
3.1
2.5
* Daily Average basis
12
NIM for Sept09 (HY) : 3.38% NIM for Sep10 (HY): 3.99%
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Profit : Half Year (Rs. Crore)
VariationVariation
(Sep10 over(Sep10 over
epep
Amt.Amt. (%)(%)
11 InterestIncomeInterestIncome 1044910449 1242712427 2146721467 19781978 18.918.9
22 InterestExpensesInterestExpenses 66586658 68526852 1294412944 194.1194.1 2.92.9
33 NII(Spread)
(1NII
(Spread)
(1
2)
2)
37913791 55755575 85238523 17841784 47.147.1
44 OtherIncomeOtherIncome 18051805 16101610 36103610 194.8194.8 10.810.8
55 OperatingExpensesOperatingExpenses 24202420 29872987 47624762 566.9566.9 23.423.4
.. ..
77 OperatingProfit(3+6)OperatingProfit(3+6) 31763176 41984198 73267326 10221022 32.232.2
88 ProvisionsProvisions 14171417 20552055 34213421 638.8638.8 45.145.1
13
99 NetProfitNetProfit 17591759 21432143 39053905 383.5383.5 21.821.8
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Provisions : Half Year .
Sl.Sl. ParticularsParticulars Sep09Sep09 Sep10Sep10 Mar10Mar10
VariationVariation(Sep10(Sep10
overSep09)overSep09)
Amt.Amt. %%11 ProvisionProvisiontowardstowardsNPAsNPAs
204204 911911 998998 707707 346.57346.57
22 StandardAdvancesStandardAdvances 00 7979 5454 7979
33 StandardRestructuredStandardRestructured200200 1717 233233
183183
91.5091.50
44ProvisionsforDepreciationProvisionsforDepreciation
onInvestment(Net)onInvestment(Net) 3232 8181 6868 4949 153.13153.13
ProvisionsmadetowardProvisionsmadetoward
55 IncomeTax
(Including
FBT
&
Income
Tax
(Including
FBT
&
WealthTax)WealthTax) 899899 10051005 19991999 106106 11.7911.79
66 OthersOthers
14
77 TotalProvisionsTotalProvisions 14171417 20552055 34213421 638638 45.0245.02
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Income Half Year (Rs. Crore)
Sl.Sl. ParametersParameters Sep09Sep09 Sep10Sep10 Mar10Mar10
VariationVariation(Sep10(Sep10
overSep09)overSep09)
Amt.
Amt.
(%)
(%)
11 InterestonAdvancesInterestonAdvances 81758175 97119711 1670116701 15361536 1919
..
33 OtherInterestIncomeOtherInterestIncome 111111 4343 188.87188.87 6868 60.960.9
44 InterestIncome
(1+2+3)
Interest
Income
(1+2+3)
1044810448 1242712427 2146721467 19791979 18.918.955 OtherIncomeOtherIncome 18051805 16101610 36103610 195195 10.810.8
ofwhichofwhich
66 CoreNonCoreNonInterestIncome.InterestIncome. 11751175 12631263 24502450 8888 7.57.5
77 Recoveryin
Written
off
a/Recovery
in
Written
off
a/cscs 9999 165165 316316 6666 67.067.0
88 TradingProfitTradingProfit 509509 159159 803803 350350 68.868.8
15
..
1010 TotalTotalIncome (4+5Income (4+5)) 1225212252 1403714037 2507725077 17851785 14.614.6
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Fee Based Income : Half Year (Rs.Crore)
Sl.Sl. ParticularsParticulars Sep09Sep09 Sep10Sep10 Mar10Mar10
Variation
Variation
Sep 10over
Sep 10
over
Sep09)Sep09)
AmountAmount %%
11 Collection&RemittancesCollection&Remittances 175 131 301 44 25.1
22 LC/LGLC/LG 208 272 474 64 30.8
33 ProcessingFeesProcessing
Fees 311 358 570 48 15.3
44 Govt.BusinessGovt.Business 28 30 76 2 5.3
oc er enoc er en .
66 ThirdPartyProductsThirdPartyProducts 1 7 7 7 928.6
77 ATMChargesRecoveredATMChargesRecovered 37 86 107 49 130.6
88 OthersOthers 57 61 99 4 7.6
AACommission,Commission,ExchExch &&
BrokerageBrokerage 840 970 1682 130 15.5
BB ExchangeProfitExchangeProfit 121 144 338 23 19.3
sc
ee
ncomesc
ee
ncome . .99 DividendIncomeMFDividendIncomeMF 183 80 323.7 104 56.5
DD CoreNonInterestIncomeCoreNonInterestIncome 1175 1263 2450 88 7.5
1010 Recover in W o aRecover in W o a cscs 99 165 316 66 66.9
16
1111 TradingProfitTradingProfit 509 159 803 350 68.8
1212 Others
Others
22 24 41 2 7.7EE NonInterestIncomeNonInterestIncome 1826 1611 3610 215 11.8
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Ex enditure Half Year .
Sl.Sl. ParametersParameters Sep09Sep09 Sep10Sep10 Mar10Mar10
VariationVariation
(Sep10(Sep10
Amt.Amt. (%)(%)11 InttIntt.PaidonDeposits.PaidonDeposits 61936193 62446244 1196611966 50.8250.82 0.80.8
.. .. ..
33 OthersOthers 427427 523523 924924 96.4396.43 22.622.6
44 TotalInterestPaid(1+2+3)TotalInterestPaid(1+2+3) 66586658 68526852 1294412944 194.13194.13 2.92.9
.. ..
5a5a ProvProv forforwage/Pension/Gratuitywage/Pension/Gratuity 175175 500500 300300 325325 185.7185.7
5b5b EstabEstab.Expenseexcl.Prov..Expenseexcl.Prov. 14601460 16081608 28212821 148.07148.07 10.110.1
66 Ot erOperating
Expenses
Ot er
Operating
Expenses
785785 878878 16411641 93.8593.85 12.012.0
77 OperatingExpenses(5+6)OperatingExpenses(5+6) 24202420 29872987 47624762 566.92566.92 23.423.4
88 TotalExpenses(4+7)TotalExpenses(4+7) 90789078 98399839 1770617706 761.05761.05 8.48.4
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# Rs. 125 cr. Provision for Pension Fund 2nd option & Rs 125 cr for Gratuity Fund
besides Rs cr towards AS-15
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Cost & Yield Ratios : Half Year
Sl.Sl. ParticularsParticulars Se 09Se 09 Se 10Se 10 Mar10Mar10
(Annualized)
11 CostofDeposit[%]CostofDeposit[%] 5.795.79 4.994.99 5.385.38
22 CostofFund[%]CostofFund[%] 5.245.24 4.374.37 4.764.76
.. .. ..
44 YieldonInvestment[%]YieldonInvestment[%] 6.116.11 6.476.47 6.736.73
55 Yieldon
Fund
[%]Yield
on
Fund
[%] 8.218.21 7.927.92 7.887.88
66 Net Interest Mar inNet Interest Mar in 3.383.38 3.993.99 3.573.57
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Profitabil it Ratios : Half Year
Sl.Sl. ParticularsParticulars Sep09Sep09 Sep10Sep10 Mar10Mar10
(Annualised)
11 ReturnonAssets[%]ReturnonAssets[%] 1.351.35 1.371.37 1.441.44
22 ReturnonNetworth[%]ReturnonNetworth[%] 23.6123.61 23.3423.34 24.5924.59
33 Opt.ProfittoAWF[%]Opt.ProfittoAWF[%] 2.432.43 2.682.68 2.622.62
44 CosttoIncomeRatio[%]CosttoIncomeRatio[%] 43.2543.25 41.5741.57 39.3939.39
55 EstbEstb.Exp.ToTotalExp.[%].Exp.ToTotalExp.[%] 18.0118.01 21.4321.43 17.6317.63
pt.Exp.
To
AWF
pt.
Exp.
To
AWF
1. 51. 5 1.1. 1.71.7
77 BookValueperShare[Rs]BookValueperShare[Rs] 472.51472.51 582.72582.72 514.77514.77
88 Earningspershare[Rs]Earningspershare[Rs] 111.58111.58 135.92135.92 123.86123.86
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Business
SlSl.. ParametersParameters Se 09Se 09 Mar10Mar10 Se 10Se 10
VariationVariation
Se 10 Se 09Se 10 Se 09
.
Amt.Amt. (%)(%)
11 TotalTotalBusinessBusiness 394382394382 435931435931 482159482159 8777787777 22.322.3
22 TotalTotalDepositDeposit 230823230823 249330249330 273394273394 4257142571 18.418.4
..
44 CDRatio[%]CDRatio[%] 70.8670.86 74.8474.84 76.3676.36
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Deposit (Rs. Crore)
Sl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10
VariationVariation
Sep10overSep09Sep10overSep09
Amt.Amt. (%)(%)
11 TotalDeposit
Total
Deposit
230823230823 249330249330 273394273394 4257142571 18.418.4
2a2a BulkBulk 2405924059 2178221782 1954419544 45154515 18.818.8
2b
2b
CD
CD
2542825428 2654026540 3605736057 1062910629 41.841.833 CoreDepositCoreDeposit 181336181336 201008201008 217783217783 3644736447 20.1020.10
44 CoreDep.ToTotal (%)CoreDep.ToTotal (%) 78.5678.56 80.6280.62 79.6679.66
55 SBDe ositSBDe osit 6977069770 7813378133 8729687296 1752617526 25.125.1
66 CurrentDepositCurrentDeposit 1905619056 2371723717 2368723687 46314631 24.324.3
77 CASADepositCASADeposit 8882688826 101850101850 110983110983 2215722157 24.924.9
21
88 ShareofCASA(%)ShareofCASA(%) 38.638.6 40.940.9 40.640.6
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Advances- Industry w ise Breakup (Rs. Crore)
Sl. ParametersQ2
FY'10FYMar'10 Q2FY'11
%s arein
Gr.Non
foodCr.
Variation
Sept 10
over Sept'09
Amt. (%)
1 GlobalGrossAdvances 165391 188306 210856 45465 27.49
2 OverseasAdvances 5175 6973 9907 4732 91.44
3 Domestic
GrossAdvances
160216 181333 200949
40733 25.42
3a FoodCredit 2814 3267 3436 622 22.10
3b Dom.NonFoodGrossAdv. 178066 . .
ofWhich
4 Agriculture&Allied 25009 30207 32274 16.34 7265 29.05
88708
5a MSME Manufacturing 16090 20659 23472 11.88 7382 45.88
5b LargeIndustry 58789 68049 72657 36.79 13868 23.59
6 RetailLoans 17033 19214 22596 11.44 5563 32.66
6a Housing . .
6b PersonalLoans 956 1394 1369 0.69 413 43.20
6c EducationLoans 1902 2272 2631 1.33 729 38.33
6d OtherRetailLoans 5057 6010 8436 4.27 3379 66.82
22
7 CommercialRealEstate 10570 10382 9870 5.00 700 6.62
8 Services
&
Others
29911 29555 36644 18.55 6733 22.51MSME Advances: Rs 40267 cr YOY 32.03% Real Estate Advances Rs 22910 cr
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AdvancesAdvances Industry wise BreakupIndustry wise Breakup210 Mar10 211 Var
MajorIndustrywise
Deployment
Sept'10/
Sept'09
Amt.
Industry
Share Amt.Industry
Amt.
Industry
Share Amt. (%)
(%)are
(%)
FoodProcessing
2567 3.43 3512 3.96 3065 3.19 498 19.40
Textiles 5217 6.97 6414 7.23 6406 6.66 1189 22.79
Chemical&Chemical
Products 2483 3.32 2682 3.02 2947 3.07 464 18.69
Cement&CementProducts 1163 1.55 1189 1.34 1590 1.65 427 36.72
BasicMetal
&
Metal
Products
8658 11.56 9388 10.58 9541 9.93 883 10.20
Iron&Steel 7658 10.23 8266 9.32 8117 8.44 459 5.99
Petroleum 2035 2.72 2109 2.38 2095 2.18 60 2.95
EngineeringProducts 2465 3.29 2321 2.62 3641 3.79 1176 47.71
Infrastructure 23237 31.03 24520 27.64 29288 30.47 6051 26.04
Power
8798 11.75 9914 11.18 12283 12.78 3485 39.61
TeleCommunication 5681 7.59 5748 6.48 6822 7.10 1141 20.08
Roads&Ports 4918 6.57 5384 6.07 5499 5.72 581 11.81
Others 3840 5.13 3474 3.92 4684 4.87 844 21.98
23
Industry (Micro,Small,
Medium,large) 74879 100.00 88708 100.00 96129 100.00 21250 28.38
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InvestmentRs. Crore
Sl.Sl. ParticularsParticulars Sep09Sep09 Mar10Mar10 Sep10Sep10
11 GrossInvestmentGrossInvestment 7047570475 7805878058 8657586575
22 HeldToMaturity(HTM)HeldToMaturity(HTM) 5593755937 6101361013 6671266712
33 AvailableForSale(AFS)AvailableForSale(AFS) 1307713077 1397313973 1803418034
55 Duration(AFS)Duration(AFS) 2.562.56 2.342.34 2.642.64
66 ModifiedDuration
(AFS)
Modified
Duration
(AFS)
2.442.44 2.232.23 2.512.51
77 DurationTotalPortfolioDurationTotalPortfolio 4.84.8 4.664.66 4.784.78
88 ModifiedDurationTotalPortfolioModifiedDurationTotalPortfolio 4.634.63 4.494.49 4.594.59
1010 SLR(%)SLR(%) 32.8632.86 26.0426.04 23.6623.66
1111 HTMToSLR(%)HTMToSLR(%) 8888 8989 87.8587.85
24
1212 HTMToGrossInvestment(%)HTMToGrossInvestment(%) 7979 7878 77.0677.06
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Non-Performing Assets ( Rs. Crore)
Sl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10
11 NPAasatthebeginningofYr.NPAasatthebeginningofYr. 25072507 25072507 32143214
22 Cash
Recovery
Cash
Recovery
407407 950950 71471433 UpgradationUpgradation 252252 328328 198198
44 WriteOffWriteOff 9595 853853 405405
55 TotalReduction
(2+3+4)Total
Reduction
(2+3+4) 754754 21312131 13171317
66 FreshAdditionFreshAddition 859859 28382838 21272127
77 GrossNPAsendperiodGrossNPAsendperiod 26192619 32143214 40254025
88 EligibleDeductions
including
ProvisionsEligible
Deductions
including
Provisions 23862386 22332233 25992599
99 NetNPAsNetNPAs 233233 982982 14261426
1010 RecoveryinwrittenRecoveryinwrittenoffdebtA/CsoffdebtA/Cs 9999 316316 165165
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NPA Ratios (In per cent)
Sl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10
11 NetNPA(%)NetNPA(%) 0.140.14 0.530.53 0.690.69
22 GrossNPA %GrossNPA % 1.581.58 1.711.71 1.911.91
33 NPACoverageRatio(%)NPACoverageRatio(%) 91.1191.11 81.1781.17 77.1377.13
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Restructured Accounts (Rs. Crore)Sl.Sl. ParticularsParticulars No.No. Amt.Amt.
11 BelowRs.1BelowRs.1CroreCrore 1478214782 622.74622.74
22 Rs. 1Rs. 1CroreCrore &above&above 622622 12921.8112921.81
33 Total
Total
1540415404 13544.5513544.55
3a3a OfOfwhichFY08whichFY080909 1265812658 4074.684074.68
3b3b OfOfwhichFY09whichFY091010 25492549 8021.018021.01
3c3c OfwhichApril10OfwhichApril10June10June10 5555 909.90909.90
3d
3d
Ofwhich
July10Of
which
July10
September10
September10
142142 539.06539.06
OfTotalaccountrestructuredasat3aboveOfTotalaccountrestructuredasat3above
44 StandardA/crestructuredStandardA/crestructured 1455214552 13280.813280.8
55 NPAA/NPAA/cscs restructuredrestructured 852852 263.75263.75
66 OfStandard
A/Of
Standard
A/cscs restructured
as
at
4
above
restructured
as
at
4
above
aa AccountsslippedtoNPAAccountsslippedtoNPA 806806 1195.311195.31
bb OfwhichApril10OfwhichApril10June10June10 3838 263.34263.34
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cc OfwhichJuly10OfwhichJuly10September10September10 1313 156.54156.54
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Sectorw ise Restructured AccountsRs. Crore
Sl.Sl.RestructuredRestructured
AccountsAccounts
No.ofNo.of
BorrowersBorrowers
Amt.Amt.
RestrctRestrct..
DiminutionDiminution
inFairinFair
ValueValue
Sl.Sl. ParticularsParticulars Mar'09Mar'09 Mar10Mar10 Sep10Sep10 TotalTotal
11 AgricultureAgriculture 3131 6363 00 9494
22 HousingHousing 1717 55 00 2222
11 UnderCDRUnder
CDR 2323 2058.932058.93 430.15430.15
ea s a eea s a e
44 IndustryIndustry 22862286 61956195 911911 93929392
ofwhichofwhich
AutoAuto 3535 1313 6868 116116
22 Under SMEUnder SME 14141414 1028.061028.06 14.1914.19
33 Others
Others
1396713967 10457.5610457.56 196.83196.83
AviationAviation 1919 645645 00 664664
DrillingDrilling 00 10941094 00 10941094
HotelHotel 6666 517517 7676 659659
Infrastructure
Infrastructure
591591 870870 617617 20782078
Cumulative since 01.04.08 to 30.09.10Cumulative since 01.04.08 to 30.09.10
33 BelowRsBelowRs
Iron&SteelIron&Steel 307307 15541554 00 18611861
PaperPaper 210210 251251 77 468468
PharmaceuticalPharmaceutical 135135 9090 4545 270270
aa 1cr1cr
33
bb
Rs1Rs1crcr &&
aboveabove622622 12921.8112921.81
Textiles
Textiles
710710 625625 00 13351335TradingTrading 132132 2626 00 158158
Gem&JewelsGem&Jewels 00 6666 00 6666
44 TotalTotal 1540415404 13544.5513544.55
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t erst ers
TotalTotal 40754075 80218021 14491449 1354513545
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Capital Adequacy (Basel II)Rs. Crore
Sl.Sl. ParticularsParticulars Sep09Sep09 Mar10Mar10 Sep10Sep10
ap a unap a un
11 TierITier
I 1596115961 1740017400 1736417364
33 Total(TierI+II)Total(TierI+II) 2501625016 2693726937 2721827218
55 CapitalAdequacyRatio(%)CapitalAdequacyRatio(%) 14.7414.74 14.1614.16 12.6012.60
66 TierI %TierI % 9.419.41 9.159.15 8.048.04
77 TierII(%)TierII(%) 5.335.33 5.015.01 4.564.56
As er new uidelines of RBI while the uarter end RWA are to be taken , the
29
profit of Mar10 is to be taken in Tier I . In case the Sept10 profit is ploughed backthe CRAR increases to 13.59% & Tier I 9.03%
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Ratios: Product iv it & Market ShareSl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10
11 DepositMarket
Share
(%)
Deposit
Market
Share
(%)
5.265.26 5.235.23 5.405.40
22 CreditMarketShare(%)CreditMarketShare(%) 5.285.28 5.335.33 5.455.45
33 BusinessPerBranchBusinessPerBranch ((Rs.Cr.)Rs.Cr.) 84.5184.51 87.1787.17 96.9796.97
44 BusinessPerEmployeeBusinessPerEmployee ((Rs.Cr.)Rs.Cr.) 7.187.18 8.078.07 9.039.03
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Value For Stakeholders
1.4
1.451.39
1.35
1.44
1.3724
25
23.52 23.61
24.51
23.39
1.3
1.35
Mar09 Sept09 Mar10 Sept1022
23
ReturnonAsset%ReturnonEquity%
582.72
50
100
15098.03
111.58123.86
.
200
400
600416.74
472.51 .
0
Mar09 Sept09 Mar10 Sept10
0
Mar09 Sept09 Mar10 Sept10
31
EarningperShareRslacs BookValueperShare Rs
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Shareholdin Pattern (As on 30th Sept 2010)
Insurance
Co.11.26
MF&UTI
4.48
Gov.,57.80FII,
19.46
Non
FIs Banks
Institutions
4.90
32
2.10
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ITInitiativesIn ormat on secur ty
To protect our valued customers from online frauds & phishingattacks, Registered Payee Mechanism enabled for Funds transferto ot er r party accounts n respect o eta nternet an ng
Users.Registration of third party accounts becomes effective after the
apse o ours an users are mme a e y n orme rougSMS Alert.
Mandatory registration of SMS Alerts for new Internet Banking.
Enterprise wide Data Warehouse Anti Money Laundering generates Alerts for followup of en e ransac ons an ac a e repor ng o usp c ous
Transactions.Customer Relationship Management (CRM) has been
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.
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New InitiativesLaunched World Travel Card in collaboration with
MasterCard, designed as a prepaid card for foreigntravelers outside India in 3 currencies viz. US
Dollar, EURO & British Pound
, used at all MasterCard enabled ATMs and Point of Sale
(POS) Terminals.
Value added benefits for PNB Debit Card holders:SMS Alert or transactions in accounts
Accidental death insurance cover upto Rs.2 Lacs free ofcharge
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ECommerce Transactions
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Current Overseas Presence
Type of officeType of office DestinationDestinationDate of CommencementDate of Commencement
of operationsof operations
BranchBranch
11 Offshore Banking Unit, MumbaiOffshore Banking Unit, Mumbai 2525thth September, 2003September, 2003
22 Kabul, AfghanistanKabul, Afghanistan 2626thth July 2004July 2004
33 Hong Kong MainHong Kong Main 1717thth December 2007December 2007
44 Kowloon Hong KongKowloon Hong Kong 22ndnd April 2009April 2009
55 DIFC, DubaiDIFC, Dubai 2020thth December 2009December 2009
SubsidiarySubsidiary 11 PNBIL, UK (5 branches)PNBIL, UK (5 branches) 1010thth May 2007May 2007
JointJointVentureVenture
11Everest Bank Limited,Everest Bank Limited,Kathmandu, Nepal (37 Branches)Kathmandu, Nepal (37 Branches)
January, 1997January, 1997
22 DRUK PNB Ltd., Bhutan (2 Branches)DRUK PNB Ltd., Bhutan (2 Branches) 2727thth January 2010January 2010
Rep. OfficesRep. Offices 11 AlmatyAlmaty, Kazakhstan, Kazakhstan 2323rdrd October, 1998October, 1998
22 Shanghai, ChinaShanghai, China 33rdrd September 2004September 2004
thth
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44 Oslo, NorwayOslo, Norway 11stst October 2008October 2008
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Increasin Global Foot rintsBankBank isis inin thethe processprocess ofof ::
pgra ng pgra ng epresentat veepresentat ve o ceo ce nn orway orway toto aa uu
fledged fledged branchbranch..
SettingSetting upup ofof representativerepresentative officeoffice inin Sydney,Sydney, AustraliaAustralia..
JSCJSC DanaDana BankBank inin KazakhstanKazakhstan..
SettingSetting upup ofof aa whollywholly ownedowned subsidiarysubsidiary inin Canada,Canada, headheadquarteredquartered atat VancouverVancouver..
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Recognitions..
RankedRanked 2424thth asas perper ETET 500500 TopTop CompaniesCompanies ,, improvedimproved fromfrom 2626thth
RankedRanked 33rdrd inin FinancialFinancial SectorSector amongstamongst IndiasIndias 5050 biggestbiggest FinancialFinancialompanyompany asas per per us nessus ness oror surveysurvey
CSRCSR ExcellenceExcellence AwardAward 20102010 byby TheThe AssociatedAssociated ChamberChamber ofof CommerceCommerce andandIndustryIndustry ofof IndiaIndia (ASSOCHAM)(ASSOCHAM)..
WorldWorld HRDHRD CongressCongress recognizedrecognized BanksBanks OutstandingOutstanding contributioncontribution toto thethecausecause ofof EducationEducation..
warwar or or xce ence xce ence nn per ormance per ormance oror ..
NationalNational AwardAward forfor ExcellentExcellent performanceperformance inin lendinglending underunder PrimePrime MinistersMinistersEmploymentEmployment GenerationGeneration ProgrammeProgramme (PMEGP)(PMEGP) SchemeScheme inin NorthNorth Zone Zone forfor
yy aa ageage n ustryn ustry omm ss on,omm ss on, n stryn stry oo , , ovtovt.. ooIndiaIndia;;
BankBank awardedawarded AsiaAsia BestBest EmployerEmployer BrandBrand Award Award for for ExcellenceExcellence inin
37
TrainingTraining;;
BrandBrand ExcellenceExcellence awardaward underunder BankingBanking && FinancialFinancial ServicesServices byby CMOCMO AsiaAsia..
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