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Punjab National BankFrom Wikipedia, the free encyclopedia

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Punjab National Bank

Type Public (BSE, NSE:PNB)

Industry

Banking

Insurance

Capital Markets and allied industries

Founded Lahore, 1895

Headquarters New Delhi, India

ProductsLoans, credit cards, savings, investment

vehicles, insurance etc.

Revenue USD 2.32 billion (2005)

Website www.pnbindia.com

Punjab National Bank (PNB), was registered on May 19, 1894 under the Indian Companies Act with its office in Anarkali Bazaar Lahore. The Bank is the second largest government-owned commercial bank in India with about 4,904 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by Bankers Almanac, London. The bank's total assets for financial year 2007 were about US$60 billion. PNB has a banking subsidiary in the UK, as well as branches in Hong Kong, Dubai and Kabul, and representative offices in Almaty, Dubai, Oslo, and Shanghai.

Contents[hide]

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1 History 2 Chairmen of Punjab National Bank 3 Forbes Global 2000 Ranking 4 References

[edit] History 1895: PNB commenced its operations in Lahore. PNB has the distinction of being the

first Indian bank to have been started solely with Indian capital that has survived to the present. (The first entirely Indian bank, the Oudh Commercial Bank, was established in 1881 in Faizabad, but failed in 1958.) PNB's founders included several leaders of the Swadeshi movement such as Dyal Singh Majithia and Lala HarKishen Lal,[1] Lala Lalchand, Shri Kali Prosanna Roy, Shri E.C. Jessawala, Shri Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass. Lala Lajpat Rai was actively associated with the management of the Bank in its early years.

1904: PNB established branches in Karachi and Peshawar. 1940: PNB absorbed Bhagwan Dass Bank, a scheduled bank located in Delhi circle. 1947: Partition of India and Pakistan at Independence. PNB lost its premises in Lahore,

but continued to operate in Pakistan. 1951: PNB acquired the 39 branches of Bharat Bank (est. 1942); Bharat Bank became

Bharat Nidhi Ltd. 1961: PNB acquired Universal Bank of India. 1963: The Government of Burma nationalized PNB's branch in Rangoon (Yangon). September 1965: After the Indo-Pak war the government of Pakistan seized all the offices

in Pakistan of Indian banks, including PNB's headoffice, which may have moved to Karachi. PNB also had one or more branches in East Pakistan (Bangladesh).

1960s: PNB amalgamated Indo Commercial Bank (est. 1933) in a rescue. 1969: The Government of India (GOI) nationalized PNB and 13 other major commercial

banks, on July 19, 1969. 1976 or 1978: PNB opened a branch in London. 1986 The Reserve Bank of India required PNB to transfer its London branch to State

Bank of India after the branch was involved in a fraud scandal. 1986: PNB acquired Hindustan Commercial Bank (est. 1943) in a rescue. The acquisition

added Hindustan's 142 branches to PNB's network. 1993: PNB acquired New Bank of India, which the GOI had nationalized in 1980. 1998: PNB set up a representative office in Almaty, Kazakhstan. 2003: PNB took over Nedungadi Bank, the oldest private sector bank in Kerala. At the

time of the merger with PNB, Nedungadi Bank's shares had zero value, with the result that its shareholders received no payment for their shares. PNB also opened a representative office in London.

2004: PNB established a branch in Kabul, Afghanistan. PNB also opened a representative office in Shanghai. PNB established an alliance with Everest Bank in Nepal that permits migrants to transfer funds easily between India and Everest Bank's 12 branches in Nepal.

2005: PNB opened a representative office in Dubai.

2007: PNB established PNBIL - Punjab National Bank (International) - in the UK, with two offices, one in London, and one in South Hall. Since then it has opened a third branch in Leicester, and is planning a fourth in Birmingham.

2008: PNB opened a branch in Hong Kong. 2009: PNB opened a representative office in Oslo, Norway, and a second branch in Hong

Kong, this in Kowloon. 2010: PNB received permission to upgrade its representative office in the Dubai

International Financial Centre to a branch.

[edit] Chairmen of Punjab National Bank 1895-1898 Sardar Dyal Singh Majithia 1898-1905 Rai Bahadur Lala Lal Chand 1905-1910 Bhagat Ishwar Dass 1911-1912 Rai Bahadur Lala Lal Chand 1912-1913 Rai Bhadur Lala Sukddyal 1913-1915 Bhagat Ishwar Dass 1917-1920 Dr. Hira Lal Bhatia 1920-1931 Lala Dhanpat Rai 1931-1937 Dr. Maharaj Krishana Kapoor 1938-1942 Rai Bahadur Diwan Badri Dass 1943-1953 Lala Yodh Raj 1953-1954 Shriyansh Parshad Jain 1954-1959 Seth Shanti Parkash Jain 1960-1964 Ram Nath Goenka 1964-1967 Kamal Nayan Bajaj 1968-1972 Somesh Chander Trikha 1972-1975 Parkash Lal Tandon 1975-1977 Tirath Ram Tuli 1977-1980 Om Parkash Gupta 1980-1981 Shyam Lal Chopra 1981-1985 Sudarshan Lal Baluja 1985-1990 Kundan Lal Aggarwal 1990-2000 Rashid Jilani 2000–2005 S.S. Kohli 2005-2007 Satwant Chand Gupta 2007-2009 K.C. Chakrabarthy 2009- K.R. Kamath

[edit] Forbes Global 2000 RankingPunjab National Bank was ranked 1243 in the Forbes Global 2000 http://www.pnbindia.com [2].[http://www.forbes.com/lists/2006/18/06f2000_The-Forbes-2000_Counrty_5.html

[edit] References1. ̂ Chapter "The Nations Bankers", Madan Gopal ISBN 81-230-0119-3 2. ̂ The Forbes 2000 - Forbes.com]

Tandon, Parkash Lal (1989) Banking century: a short history of banking in India & the pioneer, Punjab National Bank. (New Delhi, India: Penguin; New York: Viking).

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Punjab National Bank (PNB), the country’s second-largest public sector lender, today announced a percentage point increase in the prime lending rate (PLR) to 14 per cent, while raising deposit rates by 75-100 basis points. The maximum deposit rate on offer will be 9.75 per cent a year.

Axis Bank, the third-largest private sector lender, however, opted for a more moderate PLR increase of 50 basis points. In a statement, the bank said its PLR will increase from 15.25 per cent to 15.75 per cent with effect from today. PNB’s rate hike will take effect from August 1.

PNB Axis Bank

100 50

14.00 15.75

75-100 –

The big boys — State Bank of India (SBI), ICICI Bank, HDFC Bank and HDFC — have, however, so far, remained silent on how they will respond. SBI’s asset-liability committee (Alco), which met within hours of RBI’s decision to raise the repo rate, or the rate at which it lends to banks, by 50 basis points and the cash reserve ratio (CRR), or the proportion of capital banks set aside, by 25 basis points, is expected to reconvene tomorrow.

Since April, the central bank has increased CRR by 150 basis points and the repo rate by 125 basis points to tighten money supply and combat inflation, which was estimated at 11.89 per cent in the first half of July.

Bankers said there is little chance that even the big players will be able to absorb the hike. A host of players is expected to join the rate hike list. Punjab & Sind Bank Is planning a 50-75 basis points rate increase by the end of the week, while Development Credit Bank may raise its PLR by 100 basis points to 16.25 per cent.

Even refinance agencies like National Housing Bank (NHB), which have so far refrained from raising interest rates, are now reviewing their costs. “We have not revised PLR for a year as we have been able to absorb the higher cost of funds. But we will have to pass on the costs if we have to pay more,” NHB Chairman S Sirdhar said. At present, NHB lends at

The increase in PLR will affect all loan products, ranging from personal loans to car, housing, working capital and term

“There will be an increase in interest rates for retail borrowers, but we will aggressively pass on the high cost of funds to sub-PLR borrowers,” PNB Chairman and Managing Director K C Chakrabarty said.

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PROFILEWith over 38 million satisfied customers and 4668 offices, PNB has continued to retain its leadership position among the nationalized banks. The bank enjoys strong fundamentals, large franchise value and good brand image. Besides being ranked as one of India's top service brands, PNB has remained fully committed to its guiding principles of sound and prudent banking. Apart from offering banking products, the bank has also entered the credit card & debit card business; bullion business; life and non-life insurance business; Gold coins & asset management business, etc. Since its humble beginning in 1895 with the distinction of being the first Indian bank to have been started with Indian capital, PNB has achieved significant growth in business which at the end of March 2009 amounted to Rs 3,64,463 crore. Today, with assets of more than Rs 2,46,900 crore, PNB is ranked as the 3rd largest bank in the country (after SBI and ICICI Bank) and has the 2nd largest network of branches (4668 including 238 extension counters and 3 overseas offices).During the FY 2008-09, with 39% share of low cost deposits, the bank achieved a net profit of Rs 3,091 crore, maintaining its number ONE position amongst nationalized banks. Bank has a strong capital base with capital adequacy ratio as per Basel II at 14.03% with Tier I and Tier II capital ratio at 8.98% and 5.05% respectively as on March’09. As on March’09, the Bank has the Gross and Net NPA ratio of only 1.77% and 0.17% respectively. During the FY 2008-09, its’ ratio of priority sector credit to adjusted net bank credit at 41.53% & agriculture credit to adjusted net bank credit at 19.72% was also higher than the respective national goals of 40% & 18%. PNB has always looked at technology as a key facilitator to provide better customer service and ensured that its ‘IT strategy’ follows the ‘Business strategy’ so as to arrive at “Best Fit”. The bank has made rapid strides in this direction. Alongwith the achievement of 100% branch computerization, one of the major achievements of the Bank is covering all the branches of the Bank under Core Banking Solution (CBS), thus covering 100% of it’s business and providing ‘Anytime Anywhere’ banking facility to all customers including customers of more than 2000 rural branches. The bank has also been offering Internet banking services to the customers of CBS branches like booking of tickets, payment of bills of utilities, purchase of airline tickets etc.Towards developing a cost effective alternative channels of delivery, the bank with more than 2150 ATMs has the largest ATM

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network amongst Nationalised Banks. With the help of advanced technology, the Bank has been a frontrunner in the industry so far as the initiatives for Financial Inclusion is concerned. With it’s policy of inclusive growth in the Indo-Gangetic belt, the Bank’s mission is “Banking for Unbanked”. The Bank has launched a drive for biometric smart card based technology enabled Financial Inclusion with the help of Business Correspondents/Business Facilitators (BC/BF) so as to reach out to the last mile customer. The BC/BF will address the outreach issue while technology will provide cost effective and transparent services. The Bank has started several innovative initiatives for marginal groups like rickshaw pullers, vegetable vendors, diary farmers, construction workers, etc. The Bank has already achieved 100% financial inclusion in 21,408 villages. Backed by strong domestic performance, the bank is planning to realize its global aspirations. In order to increase its international presence, the Bank continues its selective foray in international markets with presence in Hongkong, Dubai, Kazakhstan, UK, Shanghai, Singapore, Kabul and Norway. A second branch in Hongkong at Kowloon was opened in the first week of April’09. Bank is also in the process of establishing its presence in China, Bhutan, DIFC Dubai, Canada and Singapore. The bank also has a joint venture with Everest Bank Ltd. (EBL), Nepal. Under the long term vision, Bank proposes to start its operation in Fiji Island, Australia and Indonesia. Bank continues with its goal to become a household brand with global expertise. Amongst Top 1000 Banks in the World, ‘The Banker’ listed PNB at 250th place. Further, PNB is at the 1166th position among 48 Indian firms making it to a list of the world’s biggest companies compiled by the US magazine ‘Forbes’. Financial Performance:Punjab National Bank continues to maintain its frontline position in the Indian banking industry. In particular, the bank has retained its NUMBER ONE position among the nationalized banks in terms of number of branches, Deposit, Advances, total Business, operating and net profit in the year 2008-09. The impressive operational and financial performance has been brought about by Bank’s focus on customer based business with thrust on SME, Agriculture, more inclusive approach to banking; better asset liability management; improved margin management, thrust on recovery and increased efficiency in core operations of the Bank. The performance highlights of the bank in terms of business and profit are shown below:

Parameters Mar'07 Mar'08 Mar'09 CAGR

Operating Profit* 3617 4006 5744 26.02

Net Profit* 1540 2049 3091 41.67

Deposit 139860 166457 209760 22.47

Advance 96597 119502 154703 26.55

Total Business 236456 285959 364463 24.15(Rs.Crores)* Respective figure for the corresponding financial year

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Tuesday, 30 Mar 2010

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Shri Mushtaq A Antulay Part-time non-official Director

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