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.. 7 , -110 607
( , 5- , -110001)
: hosd@pnb.co.in
10 27 , 2011 : 10.00
, , 8, , , - 110054
:1. 31.3.2011 , 31 , 2011 -
- -
,
2. 2010-11
:
: 18/05/2011
(..)
NOTICE
NOTICE IS HEREBY GIVEN that the 10th Annual General Meeting of Shareholders of PUNJAB NATIONAL BANK will be
held on Monday, the 27th June, 2011, at 10.00 a.m. at Punjab National Bank Auditorium, Central Staff College, 8 Underhill
Road, Civil Lines, Delhi 110054, to transact the following business:
1.
To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2011, Profit and Loss Account
of the Bank for the year ended 31st March 2011, the Report of the Board of Directors on the working and activities of
the Bank for the period covered by the Accounts and the Auditors Report on the Balance Sheet and Accounts.
2.
To declare Annual Dividend on Equity Shares for the Financial Year 2010-11.
(K. R. Kamath)
Chairman and Managing Director
01 PNB Notice.p65
5/31/2011, 11:51 AM
NOTES:
1.
1.
/
,
,
, 5, , - 110001 ,
4 21 , 2011
5.00
2.
2.
,
, ,
, ,
, 5, , - 110001
, 4
21 , 2011 5.00
,
3.
3.
2010-11
18.06.2011()
27.06.2011 () ( ) (
04.05.2011 2010-11
` 22/- ( 220%)
,
17 2011
- ,
4.
4.
APPOINTMENT OF PROXY
04.05.2011
,
17 2011 ()
, 14.07.2011()
5.
5.
( ) , 1970
3 (2) ,
,
VOTING RIGHTS
01 PNB Notice.p65
5/31/2011, 11:51 AM
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6.
6.
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www.pnbindia.in/new
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7.
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2003-04
( 02.08.2004) /
, : ,
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01 PNB Notice.p65
6/1/2011, 11:16 AM
,
7 ,
() : 2003-04 (
02.08.2004)
8.9.2011
: ,
18.08.2011
8.
8. REQUEST TO SHAREHOLDERS
()
: /
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www.pnbindia.in/new
)
a)
()
b)
() /
9.
c)
9.
//
For the convenience of the shareholders, Attendance Slip-cumEntry Pass is attached with Annual Report. Shareholders/Proxy
Holders/ Authorised Representatives are requested to affix their
signatures at the space provided in Attendance Slip-cum-Entry Pass
and surrender the same in AGM.
01 PNB Notice.p65
5/31/2011, 11:51 AM
10
5/31/2011, 12:01 PM
funs'kd fjiksVZ
Directors Report
11
5/31/2011, 12:27 PM
( /Rs Crore)
Progress at a Glance
..
Sl.
1.
PARAMETERS
07
08
09
10
11
315
315
315
315
317
10120
12003
14338
17408
21192
139860
166457
209761
249330
312899
96597
119502
154703
186601
242107
236456
285959
364464
435931
555005
162423
199020
246919
296633
378325
45190
53992
63385
77724
95162
4540
4589
4668
5002
5189
3617
4006
5690
7326
9056
2077
1958
2599
3421
4622
1540
2049
3091
3905
4433
407
505
655
808
1018
2.68
3.66
5.64
7.31
8.35
69.10
71.79
73.75
74.84
77.38
4.53
5.59
6.25
5.38
5.24
9.17
10.36
11.41
10.36
10.58
7.10
6.94
6.92
6.73
6.67
3.85
3.58
3.52
3.57
3.96
1.03
1.15
1.39
1.44
1.34
47.9
46.81
42.50
39.39
41.27
3.45
2.74
1.60
1.71
1.79
0.76
0.64
0.17
0.53
0.85
12.29
12.96
14.03
14.16
12.42
8.93
8.52
8.98
9.11
8.44
3.36
4.44
5.05
5.05
3.98
60
130
200
220
220
FY07
FY08
FY09
FY10
FY11
Capital
2.
Reserve
3.
Deposit
4.
Advances
5.
Total Business
6.
Total assets
7.
()
Investment (Gross)
8.
Total Branches
9.
Operating profit
10.
Total Provision
11.
Net Profit
12.
/ (0 )
Business/Employee (Rs lakh)
13.
/ (0 )
Profit/Employee (Rs Lakh)
14.
(%)
Credit-Deposit Ratio(%)
15.
(%)
Cost of Deposit(%)
16.
(%)
Yield on Advances(%)
17.
(%)
Yield on Investment(%)
18.
(%)
Net Interest Margin(%)
19.
(%)
Return on Assets(%)
20.
(%)
Cost to Income Ratio(%)
21.
(%)
Gross NPAs(%)
22.
(%)
Net NPAs(%)
23.
(-II) (%)
Capital Adequacy Ratio (Basel II)(%)
24.
I
Tier I
25.
II
Tier II
26.
(%)
Dividend(%)
14
14
5/31/2011, 12:01 PM
lHkh lnL;
TO THE MEMBERS
Punjab National Bank with a rich legacy spanning 117 years has
emerged as the second largest bank in the country. Today, PNB is
a well established brand with a strong technological base touching
the lives of millions of customers. The Bank has worked assiduously
to build its front line position, constantly reinventing itself to keep
pace with the changing banking landscape and customer
preferences. While successfully managing change, the Bank has
remained deeply rooted in the principles of good banking.
Resultantly, the fundamentals of the Bank have strengthened which
augur well for a bright future.
Sp
a kbt ewY;ksa ds lkFk feydj 5189 'kk[kkvksa dk usVodZ] 5050 ,Vh,e
rFkk 6 djksM+ xzkgdksa ls vf/kd dk xzkgd vk/kkj gS] ftldk cSd
a ykHk ys
jgk gSA xzkgdksa ds vf/kxzg.k rFkk jksds j[kus ds ek/;e ls blds Sp
a kbt
ewY;ksa ds foLrkj esa fokh~; ysu nsuksa dks rhoz rFkk l{ke #i ls lqjf{kr
rjhds ls djus rFkk xzkgd lqfo/kk esa lq/kkj ds lkFk ks|ksfxdh us egRoiw.kZ
Hkwfedk fuHkkbZ gSA
cSd
a }kjk kIr iqjLdkj o lEeku] xzkgd ldsfUr jgus ds fy;s ;kl
rFkk igy] vPNh O;olk; Fkk;sa viukuk rFkk cSd
a jfgrksa rd igqp
a dk
ek.k gSA ;g bl ckr dks Hkh frfcfEcr djrk gS fd fdl dkj cSd
a
O;kolkf;d voljksa dk lQyrkiwoZd ykHk mBkus esa l{ke gqvk gS vkSj
lkekftd mkjnkf;Roksa dks iwjk djrk jgk gSA
laxBu lajpuk
Organization Structure
15
15
5/31/2011, 12:01 PM
1-
( /Rs Crore)
fooj.k
2009&10
2010&11
o`f)%/Growth%
17723
21509
21-36
435931
555005
27-31
249330
312899
25-50
101850
120325
18-14
186601
242107
29-75
19214
23621
22-94
63769
75652
18-63
40-55
40-67
&
30207
35462
17-40
19-53
19-3
&
PARTICULARS
dqy dkjksckj
Total Business
tekjkf'k;ka
Deposits
vfxze
Advances
[kqnjk _.k
Retail Credit
f"k _.k
Agreecultural Credit
1-2 ykHk/PROFIT
( /Rs Crore)
fooj.k
PARTICULARS
ifjpkyuxr ykHk
o`f) %
FY 2009-2010
FY 2010-2011
Growth%
7326
9056
23-61
3421
4622
35-11
3905
4433
13-53
Operating profit
ko/kku
Provisions
fuoy ykHk
Net profit
16
16
5/31/2011, 12:01 PM
( /Rs Crore)
fooj.k
PARTICULARS
C;kt vk;
o`f) %
FY 2009-10
FY 2010-2011
Growth %
21422
26986
25-97
16677
21105
26-55
4556
5638
23-75
3610
3613
0-08
1682
2045
21-58
8478
11807
39-27
25032
30599
22-24
12944
15179
17-27
11966
13795
15-28
4762
6364
33-64
3121
4461
42-93
17706
21543
21-67
7326
9056
23-61
3421
4622
35-11
3905
4433
13-53
Interest income
dqy vk;
Total Income
C;kt o`f)
Interest expended
dqy O;;
Total Expenses
ifjpkyu ykHk
Operating profit
fuoy ykHk
Net profit
17
17
5/31/2011, 12:01 PM
fooj.k
PARTICULARS
2009-10
2010-11
4-76
4-57
7-88
8-12
24-59
22-13
3-57
3-96
1-44
1-34
39-39
41-27
1-70
1-91
2-62
2-72
123-86
140-60
514-77
661-20
0-53
0-85
81-17
73-21
14-16
12-42
bfDoVh ij vk;
Return on Equity
vkfLr;ksa ij vk;
Return on Assets
II
CRAR - Basel II
ifjpkyuxr fokskrk;sa
cSd
a us viuh 5180 ls vf/kd 'kk[kkvksa ds usVodZ dk ykHk vius
lHkh {ks= ds 6 djksM+ ls vf/kd xzkgdksa ds lkFk xgjs rFkk LFkkbZ
laca k cukus esa fy;k A
2.
OPERATIONAL HIGHLIGHTS
18
18
5/31/2011, 12:01 PM
3.
DIVIDEND
5- funs'kd eaMy
fnukad 31/3/2011 dks v/;{k ,oa ca/k funs'kd rFkk nks dk;Zikyd
funs'kdksa lfgr cSd
a ds funs'kd eaMy esa 11 funs'kd Fks A
5.
Mk0 xkaxqyh lfefr dh laLrqfa r;ksa ds vuqlkj] funs'kdksa dks cSfa dax lSDVj
rFkk O;kolkf;d ifjos'k esa mHkjrs gq, fodkl@pqukSfr;ksa rFkk laxBu ds
fr vf/kd ftEesnkj cukus ds fy;s f'k{k.k fn;k tkrk gSA muds f'k{k.k
ds rkSj ij] funs'kdksa dks lEekkfur laLFkkvksa tSls lsUVj Qkj djiksjVs
CORPORATE GOVERNANCE
BOARD OF DIRECTORS
19
19
5/31/2011, 12:01 PM
fjlpZ ,aM Vfs uax lhlhvkjVh] uoha eqEcbZ] baLVfVwV vQ daiuh lsVs jht
vQ bafM;k] baLVhVwV vQ Mk;jsDVlZ esa f'k{k.k ds fy;s ukekadu
fd;k x;k gSA
fokh; o"kZ 2010&11 ds nkSjku pkj funs'kdksa dks fofHkUu f'k{k.k dk;Zeksa
tSls ^*ekLVj Dykl Qj Mk;jsDVlZ yhfMax Vw lfVZQkbM djiksjsV
Mk;jsDVjf'ki**] ^*dkUsl
a vu dkjiksjVs dEykbal**] ^*jksy vQ bafMisUMsVa
Mk;jsDV~lZ b';wt ,aM lkY;w'kUl** ds fy;s ukfer fd;k x;k A
6.
- la desVh dk uke
1ca/ku lfefr
2cksMZ dh ys[kk ijh{kk lfefr
3_.k tksf[ke lfefr
4'ks;j varj.k lfefr
5'ks;j /kkjd@fuos'kdksa dh f'kdk;r lfefr
6xzkgd lsok lfefr
7vkbZ-Vh- lfefr
8ih , lfefr
9funs'kd inksUufr lfefr
10vihyh; kf/kdj.k ,oa leh{kk kf/kdj.k
111-00 djksM+ #- vkSj mlls vf/kd dh jkf'k okys /kks[kk/kM+h ds
ekeyksa dh fuxjkuh vkSj vuqor dkjZokbZ djus ds fy;s cksMZ dh
fo'ks"k lfefr
12lrdZrk vkSj xSj&lrdZrk ekeyksa dh leh{kk djus ds fy;s cksMZ
dh lfefr
13funs'kdksa dh ekuo lalk/ku fodkl lfefr
During the year 2010-11, the following changes took place in the
composition of Board of Directors of the Bank:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Management Committee
Audit Committee of Board
Risk Management Committee
Share Transfer Committee
Shareholders /Investors Grievance Committee
Customer Service Committee
I.T. Committee
PA Committee
Directors Promotion Committee
Appellate Authority and Reviewing Authority
Special Committee of Board to monitor and follow up fraud
cases involving Rs.1.00 crore and above.
20
20
5/31/2011, 12:01 PM
14151617-
14.
15.
16.
17.
ikfjJfed lfefr
ukekadu lfefr
fot+u 2013 ds fy;s lapkyu lfefr
chek la;
q m|e lfefr
cSBdksa dh
la[;k
cSBd
Remuneration Committee
Nomination Committee
Steering Committee for Vision 2013
Insurance Joint Venture Committee
cSBdksa dh
dh la[;k
S. Meeting
No
Number of
Meetings
S.No
1
2
cksMZ dh cSBd
ca/k lfefr
15
22
8
9
ih , lfefr
xzkgd lsok lfefr
5
4
1
2
Board Meeting
Management Committee
15
22
8
9
10
24
Committee of Directors
to review vigilance &
non-vigilance cases
10
10
11
10
11
12
12
13
'ks;j/kkjdksa@fuos'kdksa
dh f'kdk;r lfefr
funs'kdksa dh
inksUufr lfefr
fotu 2013 dh
lapkyu lfefr
Special Committee
of Board to Monitor
and Follow Fraud
cases of Rs. 1.00 crore
and above
13
14
chek la;
q mie
lfefr
14
4
5
6
7 vkHkkj
cSd
a dk funs'kd eaMy Hkkjr ljdkj] Hkkjrh; fjtoZ cSd
a ] Hkkjrh; frHkwfr
,oa fofue; cksMZ lsch LVd ,Dlpst
a ] cSd
a ds xzkgdks]a turk vkSj
'ks;jkkjdksa dks muds cSd
a esa fujUrj laj{k.k vkSj fo'okl ds fy;s kU;okn
nsrk gSA
7.
Meeting
Number of
Meetings
P.A. Committee
Customer Service
Committee
Share Transfer Committee
5
4
24
Shareholders/ Investors
Grievances Committee
Directors Promotion
Committee
Steering Committee
Vision 2013
2
4
ACKNOWLEDGMENTS
The Board also wishes to place on record its appreciation for the
valuable contribution of the members of the Banks staff at all levels
and look forward to their continued enthusiasm in meeting the
future goals.
rs funs'kd eaMy
v/;{k ,oa ca/k funs'kd
21
21
6/1/2011, 3:17 PM
Economic Environment
lsok {ks= esa 9-4% dh o`f) vuqekfur gS tksfd fiNys jktdks"kh; o"kZ ds
9-7% dh rqyuk esa FkksMh+ lk de gSA ;g eanh eq[; #i ls lkeqnkf;d
lkekftd rFkk O;fxr lsokvksa ls /kheh o`f) nj 5-7% ds dkj.k gqbZ gS
tks fiNys jktLo o"kZ ds nkSjku dh 11-8% mPp o`f) ds leFkZu ls gqvk
tks NBs osru vk;ksx dh laLrqfr;ksa rFkk ljdkjh O;;ksa ds dkj.k FkkA vU;
{ks=ksa ds lkFk VM
s ] gksVYl] Vkl
a iksVZ rFkk lapkj esa o`f) nj maph jgh gS tks
11% 9-7% dh gS fokiks"k.k] chek] jh;y ,LVsV rFkk fctuSl lfoZlt
s
esa o`f) 10-6% 9-2% rFkk fuekZ.k esa 8% 7% o`f) ntZ gqbZ gSA
vFkZO;oLFkk ds etcwr fl)kUrkssa dks frfcfEcr djrs gq, ?kjsyw cpr njsa
fiNys o"kZ ds 32-2% ls c<+dj 2009&10 ds nkSjku thMhih dk 33-7%
rd gks x;k gSA ldy fuos'k nj Hkh c<+dj thMhih ds 36-5% gks xbZ tks
lacfa kr vof/k ds nkSjku 34-5% FkhA
2010&11 ds nkSjku] fu;kZr fiNys o"kZ ds 178 fcfy;u Mkyj ls c<+dj
246 fcfy;u Mkyj gks x;k] ftlesa o"kZ nj o"kZ 37-6% dh o`f) gqbZA blh
vof/k ds nkSjku vk;kr 22% c<+dj 350 fcfy;u Mkyj gks x;k tks
fiNys o"kZ 287 fcfy;u Mkyj FkkA tcfd rsy dk vk;kr 12-4% c<+dj
88 fcfy;u Mkyj rFkk xSj rsy vk;kr 20-4% c<+dj 217 fcfy;u Mkyj
gks x;k gSA pkyw [kkrk ?kkVk lh,Mh o"kZ 2010&11 esa ldy ?kjsyw mRikn
dk 2-5% vuqekfur gS tks o"kZ 2009&10 ds 2-8% ls de gSA
22
22
6/1/2011, 11:29 AM
iksVZQksfy;ks fuos'k 30-1 fcfy;u ;w,l Myj 23-6 fcfy;u ;w,l Myj
ds dkj.k uSV iwt
a h okg vSy&fnlEcj 2010&11 ds nkSjku 52-7 ;w,l
fcfy;u Myj jgk tks fiNys o"kZ dh leku vof/k ds 37-6 ;w,l fcfy;u
Myj dh rqyuk esa vf/kd FkkA Hkkjrh; #i;s dks o"kZ ds nkSjku ,d u;k
rhd fpUg feyk rFkk mu pquh gqbZ eqkvksa ds Dyc esa 'kkfey gks x;k gS
ftlds vius fpUg gSAa ekpZ 2011 esa 1-10% dh okf"kZd c<r ds lkFk
:i;k 44-7 fr ;w,l Myj ij jgkA Hkkjr dk fons'kh fofue; fjtoZ
300 fcfy;u ;w,l Mkyj dks ikj dj x;k rFkk 22 vSy 2011 dks 310
fcfy;u ;w,l Myj ij jgkA
jktdks"kh; lq<+hdj.k kFkfedrk cuh gqbZ gS rFkk djksa esa o`f) ds }kjk
rFkk kfIr;ksa ds vifu;kstu rFkk VSyde LiSDVde uhykeh esa ykHk ls
bls lqlk/; cuk;k tk jgk gSA pkyw fokh; o"kZ ds fy;s jktdks"kh; ?kkVk
thMhih dk 4-8% vuqekfur gS rFkk jktLo ?kkVk iwoZ jktdks"kh; o"kksZa ds
nkSjku e'k% 6-3% rFkk 5-1% dh rqyuk esa 3-5% jgkA
eqkLQhkfr dk mPp~ Lrj fpUrk dk dkj.k jgk tksfd ekpZ 2011 esa o"kZ nj
o"kZ Fkksd ewY;u vuqe.kh eqkLQhfr dks 8-98% ds mPp Lrj ij ys
x;kA Hkkjrh; fjtoZ cSd
a us viuh okf"kZd uhfr 2011&12 esa ekpZ 2012 ds
var esa Fkksd ewY; vuqe.kh eqkLQhkfr 6% vuqeku dh gSA tSlk fd uhfr
esa ladrs fd;k x;k gS] Bksl uhfr f;kUo;u rFkk ?kjsyw ck/kkvksa ds fy,
lalk/kuksa ds vkoaVu] fo'ks"k:i ls Hkkstu o cqfu;knh lqfo/kkvksa dh enn ls
bl mn~n's ; dks kIr fd;k tk,xkA
cSafdax fodkl
Hkkjrh; cSafdx m|ksx us ladV ls iwoZ o mlds ckn esa yphykiu fn[kk;k
gS rFkk le; dh dlkSVh ij [kjs mrjs gSaA Hkkjrh; cSadksa dh fo'o jSafdax
esa o`f) tkjh gS rFkk muesa ls dqN dh vxys n'kdksa esa 'kh"kZ cSad cuus dh
laHkkouk gSA
o"kZ 2010 &11 ds nkSjku eqk LQhfr dh lEHkk~oukvksa dks fu;fU=r djus ds
fy;s dsUh; cSd
a us udnh vkjf{kr vuqikr 100 vk/kkj vadksa dh o`f) ds
lkFk 6-0%] fjolZ jSiksjVs 300 vk/kkj vadksa dh o`f} ds lkFk 6-25% rFkk
jsiksjVs 250 vk/kkj vad c<kdj 7-25% dj fn;k gSA 3 G/czkM cSM
a ok;jySl
,Dlsll uhykeh rFkk lkoZtfud {ks= ds mieksa ds cM+s vkbZihvks ds ihNs
flLV;e esa rjyrk dh egRoiw.kZ deh FkhA udnh cUku dh csgrj lqfokk
nku djus gsrq Hkkjrh; fjtoZ cSd
a us rjyrk dks vklku cukus ds fy, nks
mik; fd, gSa tSlfs d udnh lek;kstu lqfokk ds varxZr vuqlfw pr okf.kfT;d
cSd
a ksa dks mudh uSV ekax rFkk le; ns;rkvksa ds 1 fr'kr rd vfrfj
rjyrk lgk;rk rFkk 6 ebZ 2011 rd nSfud vk/kkj ij nwljh udnh
lek;kstu lqfo/kk nku djuk gSA
eqk vkiwfrZ o`f} nj ekpZ 2011 ds var esa 15-9% jgh tks Hkkjrh; fjtoZ cSd
a
ds 17% ds vuqeku ls uhps jghA ;g vuqlfw pr okf.kfT;d cSd
a ksa ds ldy
tekjkf'k;ksa esa de o`f} 15-8% ds dkj.k Fkk] tksfd fiNys o"kZ 17-1% FkhA
21-2% ij xSj [kk| _.k dh o`f} Hkkjrh; fjtoZ cSd
a dh 20% dh vuqekfur
vkSj 17-1% dh gqbZ fiNys o"kZ dh o`f} dh vis{kk vf/kd FkhA
nwljh fokh; LFkk;h fjiksVZ fnlacj 2010 ds var esa Hkkjrh; fjtoZ cSd
a
}kjk fjyht dh xbZ Fkh] ftlesa O;ofLFkr tksf[ke ifj'; ls fokh; {ks=
ds i`Fkd rRoksa dks fu/kkZfjr fd;k x;k gSA fjiksVZ ds vuqlkj Hkkjr esa
fokhs; {ks= esa NqViqV mrkj&p<ko ds ckotwn fo'ks"k rkSj ij bfDoVh ,oa
fons'kh eqk cktkjksa esa ncko eq cus jgrs gSAa fjiksVZ esa mPpkopu la?kVd
23
23
5/31/2011, 12:01 PM
Report points at some apparent soft spots like the widening current
account deficit while capital flows being dominated by volatile
components. Fiscal conditions are under pressure with persisting
inflationary pressures along with tightened liquidity conditions.
Apart from asset quality of banks, their asset-liability management
position continues to warrant monitoring. Challenges continue in
the form of regulatory gaps in the non-banking financial sector,
need for a robust macro prudential framework for identification of
systemic risks and convergence with the emergent international
reforms agenda.
dkjksckj leh{kk
1- dkjksckj
ekpZ 2011 ds var esa cSd
a dk ?kjsyw dkjksckj 5]36]457 djksM+ :i;s jgk]
ftlls mlesa 1]11]863 djksM+ :i;s dh lai.w kZ o`f) vkSj 26-3 fr'kr dh
o`f} ntZ dh xbZA fons'kh 'kk[kkvksa ds dkjksckj dks 'kkfey djus ds ckn
cSd
a esa oSf'od dkjksckj esa 27-3 fr'kr dh o`f) gqbZ vkSj ;g 5]55]005
djksM+ :i;s gks x;k A
BUSINESS OVERVIEW
2- lalk/ku laxzg.k
ekpZ 2011 dh fLFkfr ds vuqlkj cSd
a dh dqy tekjkf'k;ka 3]12]899 djksM:i;s jgha] ftlesa 63]569 djksM+ :i;s dh dqy vfHko`f) vkSj iwoZorhZ o"kZ
ls 25-5 fr'kr dh o`f) dk irk pyrk gSA ekpZ 2011 ds var dh fLFkfr
ds vuqlkj dqy lalk/kuksa ls cSd
a dh tek jkf'k;ksa dk 'ks;j 82-71 fr'kr
gS tcfd dqy ?kjsyw tekjkf'k;ksa esa de ykxr tekjkf'k;ksa dk 'ks;j pkyw~
c+ pr 39 fr'kr jgkA
2.
Industry Structure
There were 163 SCBs in the country and 4 Non-SCBs in the Indian
Banking System as at end March 2010. Out of 163 SCBs, there
were 27 Public Sector Banks, 82 Regional Rural Banks, 32 foreign
banks and 22 other SCBs.
PNB remained Number One amongst Nationalized Banks with
more than 5100 branches spread throughout the length and breadth
of country. PNBs share in systems deposit and credit stood at
5.29 % and 5.44% respectively as on last Reporting Friday (LRF)
of March 2011.
1.
BUSINESS
RESOURCE MOBILISATION
24
24
6/2/2011, 2:00 PM
3.
cSd
a ds _.k iksVZQksfy;ks esa vfxzeksa ij kfIr esa fofo/krk cuh jgh ftlesa
iwoZorhZ o"kZ esa 10-36 fr'kr ls ekpZ 2011 ds var esa 10-58 fr'kr dk
lqkkj gqvkA
The loan portfolio of the Bank remains well diversified with yield
on advances improving to 10.58% for the year ended March 2011
from 10.36% in the previous year.
25 djksM- :i;s vkSj mlls vf/kd dh _.k lhekvksa dk ykHk ysus okys
fuxfer xzkgdksa dh fofufnZ"V _.k vko';drkvksa dh iwfrZ ds fy;s cSd
a us
vgenkckn] caxykSj] paMhx<-] pSUubZ] fnYyh] xqMxkao] gSnjkckn] dksydkrk]
yqf/k;kuk] eqEcbZ rFkk uks,Mk esa 11 cMh fuxfer 'kk[kk,a LFkkfir dhA
blds vykok cSd us dks;ca rwj] fnYyh] xksvk] bankSj] t;iqj] tkay/kj]
dksydkrk] dksVk] y[ku] eqEcbZ] ukxiqj] iq.ks rFkk oMksnjk esa 13 e/;
fuxfer 'kk[kk,a LFkkfir dh tks vuU; :i ls feM dSi {ks= dh _.k
vko';drkvksa dh iwfrZ djrh gSA pkyw o"kZ ds nkSjku fglkj e.My dh ,d
'kk[kk dks e/; fuxfer 'kk[kk ds :i esa mUu;u ds fy, pquk x;k gSA
The credit portfolio of the Bank showed a robust and steady growth
during 2010-11. Net advances of the Bank at the end of March
2011 stood at Rs. 2,42,107 crore, compared to Rs. 1,86,601 crore
at the end of March 2010, registering an increase of
Rs. 55,506 crore or 29.7%.
25
25
6/2/2011, 2:00 PM
ii.
fjVsy sfMV
leh{kk/khu o"kZ ds nkSjku _.k okgksa esa lq/kkj ds fy, rFkk lekt ds
fofHkUu {ks=ksa dh vko';drkvksa dh iwfrZ ds mns'; ls cSd
a us vius fofHkUu
mRik~nks@
a Lrkoksa esa lq/kkj fd;k vkSj mUgsa vkSj vf/kd xzkgd fgrS"kh
cuk;k gSA o"kZ ds nkSjku cSd
a us vius fjVsy gc dks fjVsy ,lsV czkp
a
fjVsy vkfLr 'kk[kk esa ifjofrZr dj fn;k ftlls fjVsy sfMV dh rst
fMyhojh ,oa xzkgd larqf"V dk mPp Lrj mHkj dj lkeus vk;kA ekStnw k
fLFkfr esa 73 fjVsy vkfLr 'kk[kk,a lQyrkiwoZd dk;Z dj jgh gSAa bls
vkxs c<+krs gq, cSd
a us fjVsy vkfLr 'kk[kkvksa dh la[;k esa o`f) dk fopkj
fd;k gSA vkokl rFkk f'k{kk _.k ;kstukvksa ds fy, ewY; vfHko`f) dks
_f.k;ksa dks thou chek doj nku djrs gq, VkVk ,vkbZth ,oa dksVd
efgUk vksYM E;qpqvy ykbQ ba';ksjl
as fy0 ds,yvkbZ ds lkFk Vkb&vi
O;oLFkkavksa ds ek/;e ls lqfuf'pr fd;k x;k gSA
fjVsy _.k cgh ds foLrkj ij dsfUr djus ls fjVsy _.k esa 23 fr'kr
dh o`f) gqbZ gS ftlls iwoZorhZ o"kZ esa ;g 19]214 djksM+ :i ls c<+dj ekpZ
2011 ds var esa 23]621 djksM+ :i;s gks x;k gSA vkokl] okgu] f'k{kk]
dkfeZd] is'a kuj] Lo.kZ] ca/kd ,oa R;k;ofrZr ca/kd _.k lfgr dksj fjVsy
iksVZQksfy;ks 16369 djksM+ :i;s ls c<+dj 20]129 djksM+ :i;s gks x;k
vFkkZr blesa 23% dh o"kZ&nj&o"kZ o`f) ntZ dh xbZA
ii.
f'k{kk rFkk vkokl _.k ,sls egRoiw.kZ {ks= jgs ftlesa cSd
a dk vR;kf/kd
/;ku dsfUr jgk A f'k{kk _.k esa 24% dh o`f) gqbZ vkSj ;g ekpZ 2011
dks 2820 djksM+ :i;s gks x;k tcfd ekpZ 2010 dks ;g 2272 djksM+
:i;s Fkk A vkokl _.k esa 24% dh o`f) kIr dh xbZ vkSj ;g iwoZorhZ
o"kZ ds 9538 djksM+ :i;s ls c<+dj 11]816 djksM+ :i;s gks x;k A
le;≤ ij fjVsy _.kksa dks ksRlkgu nsus ds mns'; ls cSd
a us vius
fjVsy _.k xzkgdksa ds fy, fo'ks"k Lrko fd,A vxLr 2010 esa cSd
a us
Education and Housing loans have been the thrust areas which
received Banks focused attention. Education Loans grew by 24%
to Rs.2820 crore at the end of March 2011 from Rs.2272 crore
last year. Housing loans witnessed growth of 24% to
Rs.11, 816 crore from Rs.9538 crore during previous year.
i.
LOAN SYNDICATION
During the year, the Bank broad based its loan syndication activity
by establishing dedicated Syndication Cells at Mumbai and
Chennai to function as extended arms of Head office. The Cells
facilitated achievement of financial closure of number of projects
and new clients were acquired during the year. Bank also has a
dedicated Technical Cell which undertakes Project appraisal and
Techno Economic Viability (TEV) studies. These studies are for
internal use and also for sharing with participating banks as part of
syndication assignments.
During the year 2010-11, Bank gave approvals for Appraisal/
Syndicating debt aggregating Rs 33,514 crore, generating Fee
Income of Rs 147.26 Crore. The sectors where approvals for
syndication were given included infrastructure projects in power,
roads and ports, sugar, real estate, logistics, steel, textiles etc. Out
of this, income amounting to Rs 55.10 crore has been booked
during the financial year while the remaining income shall be
booked based on confirmation and completion of mandates.
RETAIL CREDIT
26
26
5/31/2011, 12:01 PM
launched Festival Bonanza Offer for Housing & Car Loan customers
whereby relaxations in interest rates, margin and processing/
documentation fee, etc. were extended. In February 2011, Bank
again launched another customer friendly offer - Basant Bonanza
- offering concession in processing fees/documentation charges
under Housing Loan Scheme. Customized offers targeting special
customer segments like insurance agents, doctors and defence
personnel were also launched during the year. Some of the other
initiatives taken to boost the retail portfolio include signing of MoU
with Army Authorities for opening of salary accounts of Army
Personnel under PNB Rakshak Scheme, introduction of PNB
Shikshak scheme for teachers, giving special treatment to our high
networth (HNI) customers, PNB Bal Vikas scheme exclusively for
children, etc. Further, steps have been taken to decongest the
branches to optimize technology use, especially with the help of
Business Correspondents in Metro/Urban areas.
cSd
a vkokl] f'k{kk] okgu rFkk dkfeZd _.kksa ds fy, vku ykbu _.k
vkosnu .kkyh ds ek/;e ls xzkgd lsok esa lq/kkj ds fy, lq<+ kS|ksfxdh
vk/kkj ls dk;Z dj jgk gSA 'kk[kkvksa dks _.k vkosnuksa dh rRdky
kslfs lax rFkk fjVsy xzkgdksa dks rst xfr ls lsok nsus ds fy, fjVsy _.k
vkosnu vuqeksnu lVos;j _.k vkVkse's ku kslfs lax .kkyh] ,y,ih,l
ls lqlfTtr dj fn;k x;k gSA
iii.
iii.
kFkfedrk {ks=
ekpZ 2011 ds var esa kFkfedrk {ks= ds varxZr _.k esa 75]652 djksM:i;s dh o`f) gqbZ ftlls 18-63 fr'kr dh o`f) ntZ dh xbZA 40-67
fr'kr ij leaftr fuoy cSd
a _.k ,,uchlh esa kFkfedrk {ks= vfxze
dk vuqikr 40 fr'kr ds jk"Vh; y{; ls vf/kd jguk tkjh jgkA
PRIORITY SECTOR
(Rs crore)
djksM+ #-
ekpZ 2010
63769
40-55
ekpZ 2011
75652
40-67
30207
19-53
23604
6603
24222
9340
15779
10-33
7848
5-14
35462
19-30
27398
8064
29540
10650
18681
10-13
9218
5-08
March 2010
March 2011
63769
(40.55)
75652
(40.67)
30207
(19.53)
23604
6603
24222
9340
15779
(10.33)
7848
(5.14)
35462
(19.30)
27398
8064
29540
10650
18681
(10.13)
9218
(5.08)
Note: Figures in the brackets are %age to ANBC and are calculated based
on Last Reporting Friday data.
Credit to Agriculture
f"k {ks= ds fy;s _.k esa 17-4 fr'kr dh o`f) gqbZ vkSj ;g ekpZ 2010
ds var esa 30207 djksM+ :i;s ls c<+dj ekpZ 2011 ds var esa 35]462
27
27
6/2/2011, 12:14 PM
ekbks sfMV
cSd
a us Lo;a lgk;rk lewg ds QkesZ'ku ,oa sfMV lEc}rk ds ek/;e ls
ekbks fok dks mUur djus ds ;klksa dks tkjh j[kkA ekpZ 2011 ds var
es]a cSd
a ds 1254 djksM :i, ds _.k lEc) 1]65]355 Lo;a lgk;rk lewg
Fks ftlesa 10-23% dh o`f} ntZ dh xbZ gSA Lo;a lgk;rk lewg dh dqy
la[;k tks tek lEc} Fkh og 1]78]166 ls c<dj 1]97]731 10-98% dh
o`f} gks xbZA cSd
a ds 1]11]944 _.k lac) efgyk Lo;a lgk;rk lewg gSa
vkSj 1]29] 513 cpr lEc} efgyk Lo;a lgk;rk lewg gSAa
Micro Credit
ekbks sfMV dks c<+kok nsus ds fy, NwVksa dks fofHkUu ,stfs Ul;ksa }kjk
k;ksftr Lo;a lgk;rk lewg ds fok iks"k.k ds fy, vuqeksfnr fd;k x;k
gSA blds vykok ^*ekbks sfMV ,l,lth& xSj ljdkjh k;ksftr
;kstuk** dh la'kksf/kr ;kstuk fcgkj :jy yhboyhgqM eks'ku lkslk;Vh
thfodk }kjk mUur Lo;a lgk;rk lewgksa ds fok iks"k.k ds fy;s vuqeksfnr
dh xbZ gSA
detksj oxksaZ vkSj vuqlwfpr tkfr vuqlwfpr tutkfr dks _.k
ekpZ 2011 ds var esa cSd
a }kjk detksj oxksZa dks fn, x, _.k 18]365
djksM+ :i;s igqp x, ftlesa 16-39 fr'kr dh o`f} nj ntZ dh xbZA
leaftr fuoy cSd
a _.kksa esa detksj {ks= ds vfxzeksa dk vuqikr 10-13
fr'kr cuk jgk] tksfd 10 fr'kr ds jk"Vh; y{; ls vf/kd gSA
vuqlfw pr tkfr @ vuqlfw pr tutkfr;ksa ds ykHkkfFkZ;ksa dks 2010&11 esa
:0 3453 djksM _.k nku fd, x, tksfd 2009&10 esa :0 3396 djksM+
FksA
28
28
5/31/2011, 12:01 PM
d- laikf'oZd eq _.k
cSd
a us 100 yk[k :i;s rd laikf'oZd eq@xkajVheq _.kksa ds
fy, lw{e~ ,oa y?kq m|eksa lhthVh,e,lbZ dh sfMV xkjaVh ;kstuk
dks dk;kZfUor fd;kA o"kZ 2010&11 ds nkSjku 26]210 ekeys bl
;kstuk ds varxZr doj fd, x, ftlesa 1428 djksM :i, dk
sfMV O;; 'kkfey jgkA
[k- vU; igy
10 yk[k :i;s rd dh dk;Zdkjh iwt
a h vko';drk ds fy, ,d
dkEcks mRikn C;kt nj rFkk pkyw [kkrs esa fj;k;r lfgr vkjaHk
fd;k x;k gSA Hkze.k ,oa ;k=k vkijsVjksa dks vfxzeksa ds fy, ubZ
;kstuk Hkh vkjaHk dh xbZ gSA cSd
a us ,e,l,ebZ dh vis{kkvksa dh iwfrZ
ds fy, dyLVj vk/kkfjr _.k f"Vdks.k viuk;k gS ftlds varxZr
cSd
a us bl {ks= ij /;ku nsus ds fy, nks dkjhxj lewg lfgr 41
lewgksa dks viuk;k gSA csgrj xzkgd lsok ,oa lsok esa ikjnf'kZrk ds
fy, cSd
a us ekbks rFkk y?kq m|eksa ds fy, cSd
a dh frc)rk dk
dksM viuk;k gS ftls Hkkjrh; cSfa dax dksM ,oa ekud cksMZ] eqca bZ
a.
Other initiatives
A combo product for working capital requirement upto
Rs 10 lakh was launched with concession in rate of interest
and current account. Bank also launched a new scheme for
advances to Tour & Travel operators. Bank has adopted the
cluster based lending approach to meet the requirements of
the MSME under which Bank has adopted 41 clusters
including two Artisans Clusters. For providing better customer
care and transparency in services, Bank has adopted the Code
of Banks Commitment to Micro and Small Enterprises
29
29
5/31/2011, 12:01 PM
cSd
a us igys ls ekStnw fo'ks"k ,e,l,ebZ 'kk[kkvksa ds vfrfj
pqfuUnk ,e,l,ebZ dsfUr 'kk[kkvksa dh igpku dh gSA ekStnw k
fLFkfr esa 523 ,slh 'kk[kk,a gSa 59 fo'ks"kK ,l,ebZ 'kk[kk,a rFkk 464
,e,l,ebZ dsfUr 'kk[kk,a gSa A :0 25 yk[k rd ds lw{e m|eksa dks
fn, x, _.kksa esa Hkkjh; C;kt njksa esa 1% dh fj;k;rsa nsus ds
vykok] 'kk[kk cU/kdksa dks 'kk[kk Lrj ij R;{k :i ls fuiVku ds
fy, lhthVh,l,ebZ ds varxZr lw{e m|eksa dks fok nsus ds fy,
mPp _.k 'kf;ka nku dh xbZ gSAa cSd
a /kkuea=h jkstxkj l`tu
dk;Ze vkfn tSlh Hkkjr ljdkj dh fofHkUu ;kstukvksa esa lf;
lgHkkfxrk dk fuokZg dj jgk gSA
x-
lEeku
lh th Vh ,e ,l bZ us ekpZ 2010 rd lhthVh,e,lbZ ds varxZr
sfMV xkjaVh doj dh kfIr ds fy, dk;Z fu"iknu esa Js"Brk ds
fy, nwljk iqjLdkj nku fd;kA [kknh ,oa xzke m|ksx vk;ksx]
lw{;] y?kq o e;e ,e,l,ebZ ea=ky;] Hkkjr ljdkj us mkjh
vapy esa [kknh ,oa xzke m|ksxksa dks _.k dh mR"Vrk ds fy,
jk"Vh; iqjLdkj nku fd;kA
iv. fokh; lekosku
;g fu.kZ; fy;k x;k gS fd fokh; lekos'ku u dsoy Hkkjr ljdkj ds
funsZ'kksa dk ikyu djus ds fy, cSd
a ds fy, kFkfedrk {ks= gS cfYd cSd
a
ds fy, dkjksckj Lrko ds :i esa Hkh gSA ;g fu.kZ; fy;k x;k gS fd
'kk[kk jfgr {ks=ksa esa cSd
a 'kk[kkvksa dks miyC/k djok;k tk, vkSj ;FkklaHko
vfkdkf/kd xzkgdksa dh la[;k dks c<+k;k tk,A
c.
Recognition
The CGTMSE conferred 2nd award for excellence in
performance for obtaining Credit Guarantee Cover under
CGTMSE up to the year 2010. The Khadi & Village Industry
Commission, Ministry of MSME, Government of India
conferred National Award for Excellence in Lending to Khadi
& Village Industries in North Zone.
iv.
FINANCIAL INCLUSION
Financial inclusion has been priority area for the Bank not only for
compliance with the directives of the Government of India but
also as a business proposition. Thus, Bank has decided to extend
the foot prints of the Bank to the hitherto unbanked areas and take
as many customers as possible on board.
Status of Financial Inclusion
(As on March 31, 2011)
xfrfof/k
'kk[kkvksa ds ek/;e ls uks fy [kkrs
dkjksckj vfHkdrkZvksa ds ek/;e ls
uks fy [kkrs
sfMV Mkbou fokh; lekos'ku
52-18
(Amount: Rs Lakh)
Sl. Activity
No
1
2
3
a.
30
Amount
(Rs. Crores)
32.43
40.89
824.72
178.70
0.18
52.18
30
Accounts
(No in Lacs)
6/2/2011, 12:18 PM
b.
d.
M-
e.
cSafdax fd;ksLd
30 cSfa dax fd;ksLd vkbZ lh Vh vk/kkfjr dkjksckj vfHkdrkZ ekWMy ds
ek/;e ls cSfa dax lsokvksa ds fy, ftyk x;k fcgkj] jksgrd gfj;k.kk
o cqyna 'kgj mkj ns'k esa LFkkfir fd, x, gSAa
p- Hkkjrh; vuU; igpku kf/kdj.k ds fy, jftLV k j
;wvkbZMh,vkbZ
cSd
a ;wvkbZMh,vkbZ }kjk fuokfl;ksa dks vuU; igpku la[;kvksa dks
tkjh djus ds fy, ukekadu gsrq ;wvkbZMh,vkbZ jftLVkj ds :i esa
dk;Z djrk jgk gSA ;wvkbZMh,vkbZ ls lacfa /kr ukekadu dk;Z jktLFkku
ds vyoj ftys esa 'kh?kz vkjaHk fd;k tk,xkA
N- fokh; lekos'ku xzkgd ds fy, u, mRikn
i.
cM+s 'kgjksa esa oklh Jfedksa dh fuf/k;ksa ds s"k.k dh vko';drk
dks le>rs gq, vkbZ lh Vh vk/kkfjr fokh; laLFkk xzkgdksa ds
fy, u, mRikn ftUgsa tc dk;kZfUor fd;k x;k] fuEufyf[kr
ds chp fuf/k;ksa ds varj.k dks ljy cuk,axAas
c.
f.
g.
31
31
5/31/2011, 12:01 PM
ii.
h.
a.
FI accounts
b.
c.
v.
ASSET QUALITY
32
32
5/31/2011, 12:01 PM
:i;s 409-96 djksM+ dh dqy cdk;k jkf'k ds [kkrksa dks ^ekud* Js.kh esa
mUur fd;k x;k FkkA vutZd vkfLr [kkrksa esa dqy udn olwfy;ka o"kZ ds
nkSjku 1170-01 djksM+ :i;s jghaA lqifjHkkf"kr olwyh ikfylh ds ek/;e ls
893-76 djksM+ :i;s dh jkf'k ds 66]573 vutZd vkfLr [kkrksa dk ckrphr
ds ek/;e ls lek/kku fd;k x;kA blds vykok] 7-93 djksM+ :i;s dh
jde ds 3 vutZd vkfLr [kkrksa dk Hkkjrh; fjtoZ cSd
a ds ekxZ funsZ'kksa ds
vuqlkj , vkj lh@vU; cSd
a ks@
a ,uch,Qlh dks fch ds ek;e ls
lekkku fd;k x;kA o"kZ 2010&11 ds nkSjku cSd
a us igys ls cs Mkys x,
[kkrksa esa ls 513-34 djksM+ :i;s olwy fd,A
d- vkS|ksfxd iquLFkkZiuk
a.
cSd
a us _.k iqu% lajpuk }kjk vkS|ksfxd {ks= dks vko';d lgk;rk
nku djus ds fy, laHkkO; vFkZ{ke :X.k ;wfuVksa dh iqu% LFkkiuk ds
;kl tkjh j[ksA cSd
a dks cM+h la[;k esa [kkrksa esa chvkbZ,Qvkj dh
^ifjpkyudkjh ,tsl
a h* dh Hkwfedk fufnZ"V dh xbZ~ gSA o"kZ 2010&11
ds nkSjku] MkQV iqu% LFkkiuk ;kstuk Mhvkj,l cSd
a }kjk 4 [kkrksa
esa chvkbZ,Qvkj dh ^ifjpkyudkjh ,tsl
a h* ds :i esa rS;kj dh xbZ
FkhA cSd
a us o"kZ 2010&11 ds nkSjku chvkbZ,Qvkj }kjk Lohr 3
ekeyksa esa iqu% LFkkiuk iSdt
s ksa dks dk;kZfUor fd;kA
[k- fuxfer _.k iqulZajpuk lhMhvkj
la?kh; @ cgqfo/k cSfa dax ds varxZr _.k lqfo/kkvksa dk mi;ksx djus
okys laHkkfor _f.k;ksa ds _.k dh le; ls iqulaZjpuk lqfuf'pr
djus ds fy,] ikjn'khZ eSdfs uTe lhMhvkj .kkyh ds varxZr miyCk
gSA o"kZ 2010&11 ds nkSjku 410 djksM+ :i;s dh cdk;k okys 8
[kkrksa dks lhMhvkj eSdfs ute ds ek/;e ls iqu% lajfpr fd;k x;k
FkkA 8 iqu% lajfpr [kkrksa esa ls 5 [kkrksa esa ih,uch dks efufVfjax
laLFkk dh Hkwfedk fufnZ"V dh xbZ FkhA
Industrial Rehabilitation
b.
33
33
6/1/2011, 11:27 AM
x-
cSd
a us o"kZ 2005&06 ls lhMhvkj ds vuqlkj y?kq ,oa e/;e m|eksa
ds fy, _.k iqulaZjpuk eSdfs uTe dks viuk;k gSA bl eSdfs uTe ds
varxZr okLrkfod leL;kvksa dk lkeuk djus ds fy, le; ls
iqulaZjpuk lqfuf'pr dh xbZ gSA leh{kk/khu o"kZ ds nkSjku] cSd
a us
:0 459 djksM+ ds dqy cdk;k jkf'k ds 224 [kkrksa dh iqulaZjpuk
dhA
?k- iqu% lajpuk & vU;
cSd
a us mu laHkkfor :i ls mcj ldus okys ;wfuVksa ds _.kksa dh
iqu%lajpuk ds fy, ikjn'khZ eSdfs uTe Hkh Lrqr fd;k gS tks muds
fu;a=.k ls ckgj ?kVdksa ds dkj.k vLFkkbZ leL;kvksa dk lkeuk dj
jgs gSa vkSj os ftUgssa y?kq ,oa e/;e m|eksa ds fy, chvkbZ,Qvkj@
lhMhvkj@Mhvkj,e ds varxZr doj ugha fd;k tk ldrkA o"kZ
2010&11 ds nkSjku 2349 djksM+ :i;s dh jkf'k ds 577 [kkrksa dks
bl Js.kh ds varxZr iqu%lajfpr@iqu%fu/kkZfjr fd;k x;k FkkA
4- nh?kZdkyhurk ij Qksdl
cSd
a dh tksf[ke ca/ku n'kZu ,oa uhfr cSd
a ds f"Vdks.k dk ewrZ:i gS
ftlls mik;ksa dks le>k tk lds ,oa tksf[keksa dk ca/ku fd;k tk lds
rFkk nq:Lr vkfLr iksVZQksfy;ks ds fodkl dks lqfuf'pr djus dk y{;
ik;k tk ldsA ;g cSd
a }kjk lqfoK mRiknksa rFkk [kaMksa esa usr`Ro f"Vdks.k
dks viukus ds fy, vfrvko';d gksxk vkSj de tksf[ke Lrj ds fy,
larqyu ds iwoZ fu/kkZfjr tksf[ke ekud gksx
a ]s mPp tksf[ke {ks=ksa esa lhfer
,Dlikstj gksx
a ]s tksf[ke ,oa fjVuZ ds chp larqyu mRiUu gksxk vkSj
'ks;jkkjd ewY; dks vf/kdre djus ds fy, cktkj 'ks;j esa lq/kkj gsrq
;kl djus ds fy, vko';d gksxkA
d- _.k tksf[ke
cSd
a us sfMV tksf[ke seodZ dks larqfyr fd;k gS vkSj dsUh;
loZj vk/kkfjr .kkyh ^*ih,uch Vd
s ** ij sfMV tksf[ke ewY;kadu
eMyksa dks Lrqr fd;k gS tks xzkgd ds sfMV tksf[ke ewY;kadu ds
fy;s oSKkfud vk/kkj miyC/k djrk gSA cSd
a us yht fdjk;ksa ij
vfxzeksa ,Dlikstjksa ds fy;s u;k sfMV tksf[ke ewY;kadu eMy
tksM+ fn;k gS A ewY;kadu eMyksa ds vkof/kd oS/krk ;ksx dks vkjaHk
fd;k x;k gS vkSj ewY;kadu olu rFkk pwd nj fo'ys"k.k ewY;kadu
ekMyksa ds larqyu ds ijh{k.k ds fy;s dk;kZfUor fd;s tkrs gSAa
ewY;kadu eMyksa dk vkmViqV cSd
a dh fu.kZ; {kerk vFkkZr~ _.k
iksVZQksfy;ks dh eatjw h] kbflax rFkk efuVfjax esa ;q fd;k x;k
gSA cSd
a us de tksf[ke] e/;e tksf[ke rFkk mPp tksf[ke Jsf.k;ksa ds
vuqlkj cSp
a ekdZ iksVZQksfy;ks forj.k LFkkfir fd;k gS rFkk okLrfod
iksVZQksfy;ks frekgh vk/kkj ij efuVj fd;k tkrk gS vkSj mls cksMZ
dh tksf[ke ca/ku lfefr ds le{k Lrqr fd;k tkrk gSA bl fn'kk
esa ,d dne vkxs c<+rs gq,] cSd
a us fjVsy cSfa dax rFkk ,l,ebZ {ks=
vfxzeksa ds lac/a k esa lSUVy loZj sfMV Ldksfjax eMy dks fodflr
djrs gq, mls Lrqr fd;k gSA bu f;kvksa ls cSd
a dks lgk;rk
feyh gS fd dq'ky lsok fMyhojh lqfuf'pr dh tk lds] f"Vdks.k
es ,d#irk ykbZ tk lds ,oa MkVk dk LVksjt
s ,oa mldk fo'ys"k.k
fd;k tk ldsA QkeZ {ks= _.kksa ds fy;s Ldkskfjax eMy dks Hkh
fodflr fd;k x;k gSA
c.
d.
Restructuring Others
Bank has also put in place a transparent mechanism for
restructuring of debts of potentially viable units, which are
facing temporary problems due to factors beyond their control
and those which cannot be covered under BIFR/CDR/DRM
for SMEs. During the year 2010-11, 577 accounts involving
Rs 2349 crore were restructured/rescheduled under this
category.
4.
FOCUS ON SUSTAINABILITY
Credit Risk
The Bank has robust credit risk framework and has placed
credit risk rating models on central server based system PNB
TRAC, which provides scientific basis for assessing credit
risk rating of a client. The Bank has added a new credit risk
rating model for Advance against Lease Rentals exposures.
Periodic validation exercises of the rating models are
undertaken and rating migration and default rate analysis are
carried out to test robustness of rating models. The output of
the rating models is used in the decision making of the Bank
viz., sanction, pricing and monitoring of loan portfolio. The
Bank has set a benchmarked portfolio distribution in terms of
Low Risk, Medium Risk & High Risk Categories and the actual
portfolio is monitored on quarterly basis and the same is
placed before the Risk Management Committee (RMC) of the
Board. Taking a step further, the Bank has developed and
placed on central server credit scoring models in respect of
retail banking and SME sector advances. These processes have
helped the Bank to ensure efficient service delivery, uniformity
in approach and facilitate storage of data and analysis thereof.
Scoring model for farm sector loans has also been developed.
34
34
5/31/2011, 12:01 PM
b.
,
,
, -
(), ()
, ,
/
c.
2008 ()
-II ,
,
() ,
,
" "
d.
Market Risk
The Bank has in place a well defined organizational structure
for market risk management functions, which looks into the
process of overall management of market risk viz. interest
rate risk, foreign exchange risk, liquidity risk and implements
methodologies for measuring and monitoring the same. Tools
like stress testing, duration, modified duration, VaR etc are
being used in managing risks in treasury operations.
Asset liability management of the Bank is done on proactive
basis to manage any eventuality. Although liquidity position
in the system remained tight during the year, the Bank
managed to tide over the situation through proactive liquidity
management through various prescribed tools like Repo,
Reverse Repo etc. With Core Banking Solution (CBS) covering
entire branch network, the Asset Liability Management in
respect of all assets and liabilities is being done on daily basis.
Moreover, fixing BPLR/Base rate and interest rates in respect
of assets and liabilities products is done on scientific basis.
The Bank has moved from BPLR to Base Rate System for
pricing of fresh loans/renewal of existing loans with effect
from 1st July 2010.
Operational Risk
Bank has established organizational structure for operational
risk management functions which looks into the process of
overall management of operational risk. Under the operational
risk management framework and ORM Policy, Bank is
identifying, measuring, monitoring and controlling/ mitigating
operational risks by analyzing historical loss data, Risk and
Control Self Assessment Surveys (RCSAs), Key Risk Indicators
(KRIs) and Scenario Analysis. Bank has also introduced an
online OpRisk Solution under Enterprise wide Data
Warehouse Project and placed it on central server to take
care of various aspects of data capturing and management
information system at various levels.
New Capital Adequacy Framework
The Bank has migrated to New Capital Adequacy Framework
(NCAF), popularly known as Basel II w.e.f March 2008. The
approaches prescribed by the regulatory authorities viz.,
Standardized Approach under Credit Risk and Basic Indicator
Approach under Operational Risk have been implemented.
The Bank has adopted Standard Duration Approach for Market
Risk. As per RBI guidelines, relevant policies such as Policy for
Internal Capital Adequacy Assessment Process (ICAAP),
Disclosure Policy, Credit Risk Mitigation & Collateral
Management Policy and Policy on Stress testing have been
approved by the Board and since been implemented. Bank is
working towards adoption of advanced approach to manage
different risks and the estimation of various risk elements is
already in progress. Bank has already applied to RBI for
migration to Standardised Approach under Operational Risk.
35
35
5/31/2011, 12:01 PM
5.
,
2011 . 1,20,526 17.34%
2011 34%
. 11074 , 2010 . 8,294
- 175
( 2 ),
520
/
11
()
/
" " ,
(-) ,
/ ,
/ /
29
, (...)
, , , ,
6.
, 2011 .95,513
. 78,058 .5698
. 4577 ()
- () ,
1949 19(2)
7.
: -
2010-11 2.19
:
2 , 5 , 8 , 10 20
2010-11 206 ..
30,325 2009-10 103 ..
16,542 2010-11
. 2.25 2009-10 . 1.38
5.
INTERNATIONAL BUSINESS
TREASURY OPERATIONS
BUSINESS DIVERSIFICATION
36
36
6/1/2011, 11:24 AM
:
- 2010-11 3.06
72.30
6.43
47,159 113.91
6.77
: 63,280
2009-10 91 2010-11
95.17
: 15,931
2010-11 55.76
.35.58
: -1 2010-11
" " 14
/ 90
()
(// )
0 0 :
,
()
30
30
0 0 12.01.2011 ,
India factoring and Finance Solutions Pvt Ltd: PNB has formed a
Joint Venture with FIMBank (Malta), a Non Banking Finance
Company (NBFC), for offering products of factoring, forfeiting and
other trade finance solutions to Indian Corporates particularly from
SME segment. PNB has invested Rs. 30 crore, accounting for 30%
stake in the Joint Venture. The Joint Venture "India factoring and
Finance Solutions Pvt Ltd" started its commercial operations w.e.f
12.01.2011 from Delhi, Mumbai & Chennai.
:
:
" "
54
, 295 " "
:
400
Door step Banking: Under the facility of Door Step Banking, cash
is picked up from the premises of the customer. Door step banking
is currently being provided to about 400 customers and has helped
in garnering Current Account business.
:
, ,
()
: , 2009
, 2009
78,000
37
37
6/1/2011, 11:25 AM
:
/ , , , ,
2400 8
8.
,
" , " :
" " " " ,
, ,
8.
a.
b.
c.
d.
TRANSACTION BANKING
() :
9. :
,
(/)
- , , , ,
"" , 6
, , , , ,
9.
10
2011 5189
2047 , 1154 , 1111 877
210 5189 ,
28
GOVERNMENT BUSINESS
38
38
5/31/2011, 12:01 PM
6 , 59
, 11 , 17 , 13
, 11 , 73 , 11
, 3 - , 1 1
, 41 , 2
, 17 , 41 (
) , 4 , 3
, 1 1
" "
,
,
- ,
, , , ,
7
( .) -
.,
63.64%
International Presence
,
,
100%
11.
() :
()
, ,
(),
()
,
-
39
39
5/31/2011, 12:01 PM
4 - -
(99.9%)
100% 6
: 1450
/ 100%
()
, ,
" " 13
-
, - 28% -
/ /
/
b.
- 11 2
, :
, , , , ,
/
-
-
e.
(, ,
) - 21
-
f.
, 2010
-
c.
d.
40
40
6/1/2011, 11:32 AM
1450
5050
, ,
,
,
2010-11 36%
g.
/
13 /
2
: :
h.
()
()
/
/
/
/
/
:
i.
ATM Services
In order to provide greater convenience to customers, more
than 1450 ATMs have been installed during the year, taking
the total count of ATMs of the Bank to 5050. Apart from the
facility of cash withdrawals, balance enquiry, mini statement
and PIN change, Banks ATMs offer other value added services
to the cardholders like Transfer, Bill Payments, mobile
registration for generation of SMS alerts etc. Some additional
features like payment of Income Tax through PNB ATMs are
also extended to our customers. Transactions through ATMs
showed a growth of 36% during the year 2010-11.
ATM/Debit Cards
In order to provide greater flexibility and convenience to
customers, the Bank has issued more than 13 million ATM/
Debit Cards till date. Bank has introduced new free benefits
for PNB Debit Cards holders in the form of free accidental
death insurance upto Rs. 2 lacs, and redeemable Reward
Points on usage of Debit Cards at POS outlets or for
e-commerce transactions.
Real Time Gross Settlement System (RTGS) and National
Electronic Fund Transfer (NEFT)
The facility of RTGS and NEFT is being provided in all
branches of the Bank and also facilitated through Internet
Banking channel. Internet banking customers can remit funds
just by click of a button without any bank/branch intervention
to any RTGS/NEFT enabled branch of other banks in India.
j.
03
( )
-
,
//
41
41
5/31/2011, 12:01 PM
k.
()
,
, :
() ,
IT Security
,
() ,
27001
,
27001
27001
/
-,
- -
Information Security
The Bank has taken adequate steps to strengthen anti-phishing
mechanism and monitoring process thereof to prevent online
frauds. To monitor information security events across Banks
network, a world class Security Operations Centre (SOC) has
been established being first of its kind to be set up by any
Indian Bank. The facility is being utilized for analysis and
monitoring of various threats emanating from both within the
network as well as from outside the network in a very proactive
manner.
ISO 27001
Banks Critical Infrastructure Data Centre, Network Operation
Centre & Disaster Recovery Data Site are ISO 27001 certified.
All the policies are aligned with best practices and are ISO
27001 standards compliant.
"
( ) "
,
2010, " " 2010,
2010, "
"
- 2010-11,
Recognition
In recognition of technology initiatives, the Bank won various
awards during the year. These include PC Quest Best IT
Implementation Award 2010 for CBS, SKOCH Award 2010
for Computerization of RRBs, SKOCH Financial Inclusion
Award 2010, National Awards on e-Governance 2010-11,
best IT initiative Gold award under the category Innovative
42
42
5/31/2011, 12:01 PM
12.
() ,
/
-, /, , ,
, ()
31
,2011 , 57020
(31 , 2010 56928 )
16%
The Bank recognizes its employees as the most vital and valuable
asset. Total number of employees including those in the subsidiaries
at the end of March 2011 was 57,020 (56,928 as at March 31,
2010). Women employees constituted nearly 16% of the total
workforce.
2010
19869
34.90
24285
42.66
12774
22.44
56928
100
, 2011
20711
36.32
23065
40.45
13244
23.23
57020
100
CADRE
March 2010
March 2011
Number
Number
OFFICER
19869
34.90
20711
36.32
CLERICAL
24285
42.66
23065
40.45
12774
22.44
13244
23.23
Total
56928
100
57020
100
,
, ,
, /
1335 ,
, 945
1178 1062
0.83% ( 0.31%
)
, ,
Recruitment strategy
Career Path
43
43
5/31/2011, 12:01 PM
() " " -
,
, , ,
/, ,
Technology-based HRMS
Industrial Relations
- ,
Reservation Policy
/. /
2010
2011
.. .. ... .. .. ...
3117
1159
580
3394
1255
757
4786
800
857
4422
722
1022
5002
697
1222
5335
749
1689
12905
2656
2659 13151
2726
3468
CADRE
,
/
Staff Welfare
, ,
,
,
, ,
, 117
37
March 2010
ST
OBC
SC
ST
OFFICER
3117
1159
580
3394
1255
757
CLERICAL
4786
800
857
4422
722
1022
SUB STAFF
44
OBC
5002
697
1222
5335
749
1689
12905
2656
2659
13151
2726
3468
(incl.PTS)
Total
PNB Samadhaan
The Scheme offers an opportunity to an employee to represent
case of any work-related grievance directly before the Chairman
& Managing Director of the Bank. During the year under review,
37 cases under the Scheme were suitably resolved.
44
March 2011
SC
5/31/2011, 12:01 PM
2020
2020
" 2020 "
,
()
//
, - ,
/
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, , , , ,
Team 2020
, ,
,
/
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, () , , ,
,
, , , , ,
,
50%
2010-11
44,713 1,34,913 ,
1550
" "
() 2011 " "
-2010
-
-,
- "
E-learning
45
45
5/31/2011, 12:01 PM
" 24x7
, , ,
/, , , ,
13.
()
()
() /
() 16 345
(
)
,
(),
14.
, : 24
,
/ ,
,
24x7 80,000
Officers are being sent from HO/Circles in Delhi & NCR for
Mystery Shopping as Decoy customers to check the level of
customer service in branches. Corrective action is taken on
the issues brought to light.
/
" "
-
46
46
6/1/2011, 12:33 PM
2011
2011
15. -
Customer Complaints
227
a)
227
51100
50991
336
b)
51100
c)
50991
d)
336
a)
Nil
13
b)
13
12
1
c)
12
d)
&
BUSINESS
PROCESS
-
/
-
16.
.
() ,
/
2010-11
""
10
("" "" ) 3
,
, 5 10
3
16.
47
47
5/31/2011, 12:01 PM
5% ( )
30 40%
, 201011 69.25% (
)
.
/
, ,
,
( ),
, () , ,
, ,
31.03.2011 806 /
,
,
(1233),
(3612) (13)
31.12.2010 " " "
" -
()
,
, , ,
, -
" " (
)
()/ ()
-
-
-
-
Internal Control
c.
48
48
5/31/2011, 12:01 PM
( )
- , - - ()
()
2010-11 65 , 12
, 6 , 3
, , 5
1
d.
,
, ,
, ,
, ,
//
/
e.
12
f.
17.
(www.pnbindia.in)
2010-11 12493
8119 , 330
4044
Management Audit
In accordance with the Risk Based Management Audit
Policy and Annual Audit Plan 2010-11, the regular audit
of all 65 Circle Offices, 12 Zonal Audit Offices, 6 Training
establishments, 3 Regional Rural Banks, both
Subsidiaries of the Bank in India and 5 Field General
Managers Offices and 1 Head office Division was
conducted.
Compliance Division
Board has appointed a Chief Compliance Officer in the
rank of a General Manager for a fixed term. In pursuance
to the compliance Policy of the Bank, Divisional
Compliance Officers, Circle Compliance Officers,
Branch Compliance officers, Compliance officers at each
training centers, ZAOs, Foreign Branches, subsidiaries
etc. have been designated in all Divisions of HO, Circle
offices, branches and other offices. Further, compliance
functions have been identified for all HO Divisions/
Circles/Branches and reporting line has also been
established at various levels for compliance in
accordance with the guidelines of RBI. Compliance
testing/mapping review on various products of the Bank
is being carried out on a regular basis.
Vigilance
Bank continued its emphasis on vigilance matters to
ensure that vigilance cases are identified quickly and
disciplinary action in accordance with Central Vigilance
Commission (CVC) guidelines is completed in time. In
order to strengthen the vigilance mechanism and also
to improve the preventive vigilance measures, Vigilance
Officers in the rank of Chief Managers have been posted
at all the 12 Zonal Audit Offices of the Bank to
exclusively monitor the vigilance function of cluster of
Circles. Regular training was given to officers & staff to
update their skills in the area of vigilance administration.
49
49
5/31/2011, 12:01 PM
18.
,
, 2010-11
14 , 2009
" "
14 , 2010
,
/
19.
.
57%
1267
( 971
) 71%
2010-11 15%
364
20% 258
2010-11 106
(. 100 ), 97 (94 )
69 (67 )
,
3% 31
,2011 326
20.83% 1.31%
0.94%
..
2011-12
.
,
3
10
7.35% 31 2010 7.87%
,
10 31
2011 7.98%
b.
50
50
5/31/2011, 12:01 PM
8.25% ,
: 1 30 300
102
.
40%
58.83% 49.66%
63726 87858
2010-11 44.04
() ()
c.
2010-11
7
405.13 654.66
61.59 %
17931
28135 569
705.36
31 2011 1360
2010 974 39.58%
61.38% 6.68
10.78 2011-12
,
3/-3
( )
..
,
, ,
..
51
51
5/31/2011, 12:01 PM
,
:
..
.
()
Bank has in place its well defined and clearly laid down
policies on Risk Management, Audit and Compliance.
It has its own dedicated dealing room at London and a
back office in India. Bank is complying with all
regulatory and capital adequacy guidelines of Financial
Services Authority of UK.
d.
- ,
,
2009-10
, -1
-//
, , () ,
, /
/
/ , ,
, /
6
6 67 1483
2010-11 75
7276
36.94 %
9576
15.32%
15604 17.14%
2010-11
15.89% 266.78
,
/
e.
52
52
5/31/2011, 12:01 PM
31.03.2012
2000 1924
1924
2010-11 131
, 31.03.2011 147
4155
20
:
2011 "
" 2011
()
2010
2010
- 2010
2010
2011
" 2010
" " 2010
"
2010" " "
"
"
" 2010"
21
53
53
5/31/2011, 12:01 PM
,
,
-
, :
,
,
- -
,
, , ,
/
Challenges
,
-
, 9%+ ,
,
:
, -
54
54
5/31/2011, 12:01 PM
: ,
,
,
:
Risks
,
,
55
55
5/31/2011, 12:01 PM
56
5/31/2011, 12:01 PM
57
5/31/2011, 12:01 PM
()
PNB has formulated CSR Policy which has been approved by the
Board and the budgets for CSR activities are also Board approved.
The budgets, both in terms of number of activities and in terms of
resources given to functional units all over India, have built up the
momentum in making the CSR agenda broad based. The monitoring
mechanism has also been streamlined to make quarterly reporting
to Board mandatory. CSR Committee, headed by Executive
Directors, has been directing the Banks activities and ensuring
sustainability of our developmental efforts.
,
,
, ,
,
58
58
5/31/2011, 12:01 PM
" " ,
,
, ,
"
"
CSR activities of the Bank have won wide acclaim and various
awards have followed. Bank won the Bombay Stock Exchange
Award for Best Corporate Social Responsibility Practice for the
second time in row. The Institute of Directors have also recognized
Banks efforts and have bestowed your Bank with the prestigious
Golden Peacock Award for CSR. The CSR Excellence Award
from ASSOCHAM is another feather in the Banks cap.
(.. )
(K.R. Kamath)
Chairman and Managing Director
59
59
5/31/2011, 12:01 PM
- 2010-11
CSR REPORT-2010-11
, 2011 11,883
18.63% 75,652
40%
40.67% 17.4%
2011 35,462 2010 30,207
19.30%
18% 31 , 2011
1,370 9,218
29.3%
2011 1,254
1,65,355 15,348 (10.23%)
" " 9
, (), (..),
(), (), (..), (),
(), () , ,
2011-12 ()
(.) 9
,
31 2011
3,22,768 60,829
, 2010-11 32
, 97 /
// 53
60
60
6/1/2011, 11:34 AM
2010
,
( 60 )
: . 5000/-, .8000/-, . 10000/-,
1000/-,
2010-11 31 2.15
, ,
, , , ,
" "
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(), () (..)
()
,
3
(.) ,
()
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61
61
5/31/2011, 12:01 PM
62
62
5/31/2011, 12:01 PM
,
-
:/
1
2010-11
11
30
2011 30 27,303
2010-11
16,883 3,84,210
159
63
63
5/31/2011, 12:01 PM
" "
,
-
,
,
57
: /
,
,
58
2010-11 86,645
73,856
64
64
5/31/2011, 12:01 PM
- :
" "
, , -,
,
,
,
:
:
117 (60 57
- )
65
65
5/31/2011, 12:01 PM
-,
/
/ ,
" - "
( )
/
PNB has utilized the services of NGOs/SHGs, MFIs and other civil
society organizations as intermediaries in providing banking
services through the Business Facilitator/Business Correspondent
model along with the use of information technology. The BC model
allows the bank to undertake cash in-cash out transactions at the
doorstep of rural population and to reach last mile customers with
use of portable POS machines (hand held devices) which are able
to read/write smart cards. Thus technology has helped in
dramatically reducing the operational costs for large number of
small transactions and improving service delivery.
187 ( ) 79
" "
, , , , , ,
,
: -
,
Green Initiatives
Though provision of financial services does not have any direct
impact on the environment, Bank is fully committed to the
protection of environment. Green Initiatives taken by the Bank
included promotion of rainwater harvesting, reduced use of paper
by using email for inter-office communications, reduced power
consumption through various energy conservation measures and
conducting tree plantation drives. A separate audit sheet to assess
66
66
5/31/2011, 12:01 PM
,
, ,
, , ,
/
" " " "
, 18
67
67
5/31/2011, 12:01 PM
/
, -
- ,
()
, (
)
1% 2010-11
9 . 185.81
2011
" "
290
Bank also organised more than 290 Tree Plantation Drives and
also participated in Clean Delhi Drive to aware general masses to
keep the city and the surroundings clean.
68
68
5/31/2011, 12:01 PM
" "
-
1988 0
-
19.06.2008 15.11.2010 741
265.88
36 (61.8 ) ,
199 (33.37 )
36 (20.71 )
Promotion of Sports
Bank has always been actively supporting sport activities and
towards this end, Bank opened PNB Hockey Academy, taking care
of needs and aspirations of the prospective players. Grooming the
players for the National and international level is the sole aim of
the Academy. Players prepared at the academy have been able to
carve a niche for themselves at the National and International Level.
Other Initiatives
ASHA PROJECT
ASHA NGO was started by Dr. Kiran Martin, a pediatrician
by profession, in 1988, after outbreak of cholera in a South
Delhi slum. This organization is working for providing a range
of vital community development and health services for the
people living in desperately poor conditions in the slums of
Delhi. This organization is active in slum communities to
empower them to improve their living conditions. Asha acts
as a catalyst, offering people the basic knowledge and means
to change things for themselves.
Punjab National Bank actively associated with ASHA NGO
and was instrumental in helping 741 beneficiaries from
19.06.2008 to 15.11.2010 and has given loans amounting to
Rs.265.88 lacs. Out of this, Education loans were given to 36
beneficiaries (Rs.61.8 lacs), DRI loans were given to 199
beneficiaries (Rs.33.37 lacs) and Business loans were
extended to 36 beneficiaries (Rs.20.71 lacs).
69
69
5/31/2011, 12:01 PM
,
9.80 9400
,
-
2.93
602
, , ,
70
70
5/31/2011, 12:01 PM
, 2011 . 25.19
5038
,
-
-
, 700
. 2.33
2320
,
. 11.61
-
190
. 1.95
, /
, , , ,
,
, ,
. 51.65
71
71
5/31/2011, 12:01 PM
-
( )
:
,
( )
03 , 2011
PNB PRERNA
, 8 , 2011
30 , 2011 ,
(1915-2000)
,
72
72
5/31/2011, 12:01 PM
,
,
1. :
" "
1.
73
73
5/31/2011, 12:01 PM
2.
, - ,
, , , , ,
,
:
: -
32 -
-
2.
74
74
5/31/2011, 12:01 PM
3.
:
: " ......."
()
,
3.
75
75
5/31/2011, 12:01 PM
- -
76
76
5/31/2011, 12:01 PM
()
( )
3.7
1.
1.1
5 :
.
i)
1.
Scope of application
1.1 Punjab National Bank is the top bank in the group to which
the revised capital adequacy framework applies. The bank
has following five domestic subsidiaries:
74.07
i)
Country of
incorporation
Proportion of
ownership
percentage
India
74.07
ii)
74.00
ii)
India
74.00
iii)
100.00
India
100.00
iv) ..
81.00
India
81
v)
. #
88.00
v)
India
88
.
i)
(baVjuS'kuy) .
100.00
i)
ii) .
51.00
ii)
iii) .
63.64
1.2 20% :
.
.
Country of
incorporation
Proportion of
ownership
percentage
United Kingdom
100.00
Bhutan
51.00
Kazakhstan
63.64
Country of
incorporation
Proportion of
ownership
percentage
i)
20%
i)
Nepal
20%
ii)
30%
ii)
India
30%
iii) ..
30%
iii)
India
30%
iv) ..
30%
iv)
India
30%
v) ..
30%
v)
India
30%
vi)
35%
vi)
India
35%
vii)
35%
India
35%
viii)
35%
India
35%
ix)
35%
ix)
India
35%
x)
35%
x)
India
35%
xi)
35%
xi)
India
35%
() 23
1.3 1.1 1.2
77
03 PNB Basel-II.p65
77
6/1/2011, 11:39 AM
1.4
(. )
31.03.2010
1.4
(Rs. in Crores)
31.03.2011
Particulars
31.03.2010
31.03.2011
There is no
capital deficiency
in any of the
subsidiaries
There is no
capital deficiency
in any of the
subsidiaries
1.5
2 :
.
.
1.
81%
4.05
2.
88%
1.76
Country of
Proportion of
Incorporation ownership
11.73
1.
India
0.82
2.
India
(. ) (. )
1.6 ..
()
' '
: ..
1.7 .
110
2
1.8 () ( )
: 12.01.2011
:
1.
.. .. 3
Face value
(Rs./crore)
Book value
(Rs./crore)
81%
4.05
11.73
88%
1.76
0.82
2.
..
2.
3.
.. : 26%
25%
81%
3.
.. : 26% 32%
88%
2.
2.1 I ,
-
4.
4.
2.
Capital Structure
78
03 PNB Basel-II.p65
78
6/1/2011, 11:41 AM
Series
(
)
20.07.2007
500
10 10.40%
10
10.90%
10
(
)
II
11.12.2007
300
10 9.75%
10
10.25%
10
(
)
III
18.01.2008
300
10 9.45%
10
9.95%
IV
19.01.2009
220.50 10 8.90%
10
9.40%
28.08.2009
500
VI
27.11.2009
200
2020.50
a.
Bond
Amount
(Rs. in Crs)
20.07.2007
500
Perpetual
None
II
11.12.2007
300
Perpetual
None
10
(
)
III
18.01.2008
300
Perpetual
None
10
(
)
IV
19.01.2009
Perpetual
None
10 9.15%
10
9.65%
10
(
)
28.08.2009
500
Perpetual
None
10 9.00%
10
9.50%
10
(
)
VI
27.11.2009
200
Perpetual
None
TOTAL
* subject to RBI guidelines
)
( - )
b.
Series
Date of
Allotment
Bond
Amount
(Rs. in Crs)
(
)
08.12.2006
500
8.80%
10
5 11 15
9.30%
II.
12.12.2007
500
III.
05.03.2008
IV.
27.03.2008
/
*
Tenor
Call option*
Put
Option
2020.50
Coupon
Rate*
Tenor
Call option*
Put
Option
Redemption/
Maturity*
15
10
(
)
15
10
08.12.2006
500
9.35%
10
5 11 15
9.85%
15
10
(
)
15
10
II
12.12.2007
500
510
9.35%
10
5 11 15
9.85%
15
10
(
)
15
10
III
05.03.2008
510
600
9.45%
10
5 11 15
9.95%
15
10
(
)
15
10
IV
27.03.2008
600
79
03 PNB Basel-II.p65
79
6/1/2011, 11:43 AM
)
( - ) ()
b.
Series
Date of
Allotment
Bond
Amount
(Rs. in Crs)
29.09.2008
500
15 years
VI
22.12.2008
500
(
)
V.
29.09.2008
500
10.85%
10
5 11 15
11.35%
VI.
22.12.2008
500
VII.
18.02.2009
VIII.
/
*
Tenor
Call option*
Put
Option
Redemption/
Maturity*
15
10
(
)
15
10
8.95%
10
5 11 15
9.45%
15
10
(
)
15
10
1000
9.15%
10
5 11 15
9.65%
15
10
(
)
15
10
VII
18.02.2009
1000
21.04.2009
500
8.80%
10
5 11 15
9.30%
15
10
(
)
15
10
VIII
21.04.2009
500
IX.
04.06.2009
500
8.37%
10
5 11 15
8.87%
15
10
(
)
15
10
IX
04.06.2009
500
X.
09.09.2009
500
8.60%
10
5 11 15
9.10%
15
10
(
)
15
10
09.09.2009
500
XI
27.11.2009
500
8.50%
10
5 11 15
8.87%
15
10
(
)
15
10
XI
27.11.2009
500
XII
24.05.2010
500
8.50%
10
5 11 15
8.87%
15
10
(
)
15
10
XII
24.05.2010
500
6610
Total
6610
(- -)
c.
.
.
Sr.
No.
Series
i)
ii)
iii)
iv)
v)
vi)
VIII (ii)
IX
X
XI
XII
XIII)
18.07.2002
04.09.2003
08.03.2004
16.06.2006
16.08.2006
08.09.2006
i)
VIII (ii)
18.07.2002
295.00
8.80
117
18.4.2012
ii)
IX
04.09.2003
265.00
5.80
116
04.5.2013
iii)
08.03.2004
500.00
5.90
111
08.6.2013
iv)
XI
16.06.2006
884.80
8.45
118
16.4.2016
v)
XII
16.08.2006
115.00
9.15
116
16.4.2016
vi)
XIII
08.09.2006
500.00
8.95
115
08.4.2016
( . )
295.00
265.00
500.00
884.80
115.00
500.00
2559.80
(%
)
8.80
5.80
5.90
8.45
9.15
8.95
( )
117
116
111
118
116
115
18.04.2012
04.05.2013
08.06.2013
16.04.2016
16.04.2016
08.04.2016
Total
Date of
Allotment
Bond Amount
(Rs. in Crs)
2559.80
80
03 PNB Basel-II.p65
80
5/31/2011, 12:02 PM
Coupon Rate
(%p.a payble
annually)
Tenor
(in months)
Date of
Maturity
2.3 1 :
i)
ii)
iii)
iv)
v)
vi)
vii)
31.03.2011
316.81
( )
19468.10
2020.50
(50%)
409.45
( +
417.09
)
0.00
- (i +ii+iii+iv-v-vi- vii)
20978.87
31.03.2010
315.30
15807.96
2020.50
293.23
450.25
172.98
17227.30
2.4 2 ( ) :
(Rs in Crores)
Particulars
31.03.2011
i)
ii)
315.30
19468.10
15807.96
2020.50
2020.50
409.45
293.23
417.09
450.25
v)
0.00
172.98
20978.87
17227.30
2 ( )
31.03.2011
9908.81
31.03.2010
9536.26
(Rs. in crores)
Particulars
The amount of Tier 2 capital (net of deductions)
31.03.2011
31.03.2010
9908.81
9536.26
2.4.1 -2
:
(. )
(Rs. in crores)
31.03.2011
6610.00
500.00
6610.00
31.03.2010
6110.00
2000.00
6110.00
Particulars
31.03.2011
6110.00
500.00
2000.00
6610.00
6110.00
31.03.2011
2559.80
0.00
1864.80
31.03.2010
2559.80
0.00
2076.80
2.5 ,
(Rs. in crores)
Particulars
Total amount outstanding
31.03.2011
31.03.2010
2559.80
2559.80
0.00
0.00
1864.80
2076.80
31.03.2011
31.03.2010
2.6 :
(Rs. in crores)
Particulars
Other deductions from capital, if any:
31.03.2011
31.03.2010
NIL
NIL
-
-
31.03.2010
6610.00
2.4.2 -2 :
3.
31.03.2010
316.81
31.03.2011
20978.87
9908.81
30887.68
31.03.2010
17227.30
9536.26
26763.56
,
-
/
, - ,
, ,
(Rs. in crores)
Particulars
31.03.2011
31.03.2010
Tier I Capital
20978.87
17227.30
Tier II Capital
9908.81
9536.26
30887.68
26763.56
Total Capital
3.
Capital Adequacy
The bank believes in the policy of total risk management.
The bank views the risk management function as a holistic
approach whereby risk retention is considered appropriate
after giving due consideration to factors such as specific risk
characteristics of obligor, inter relationship between risk
variables and corresponding return and achievement of
various business objectives within the controlled operational
risk environment. Bank believes that risk management is one
of the foremost responsibilities of top/ senior management.
The Board of Directors decides the overall risk management
81
03 PNB Basel-II.p65
81
5/31/2011, 12:02 PM
, (),
,
/
-
,
(
), ( )
( )
3.1
3.1.1
,
, /
,
50
'/'
:
/
82
03 PNB Basel-II.p65
82
5/31/2011, 12:02 PM
/
/
/
/
()
/
/
(
) ( ), ( )
-
3.1.2
( )
3.1.3 /
1-1
,
3.1.4
83
03 PNB Basel-II.p65
83
5/31/2011, 12:02 PM
, ,
-
-
-
,
,
, /
,
3.2
: , ,
,
3.2.1
, /
-
,
,
, - , ,
, (), :
-
3.2.2
-
3.2.3
, , ,
,
, ,
, /
3.2.4 /
84
03 PNB Basel-II.p65
84
5/31/2011, 12:02 PM
3.2.5
-
(
), (),
3.3
( )
( -
, ,
)
( ), -
( ) ( )
/
3.4 :
(. )
31.03.2011
31.03.2010
19747.03
15180.27
3.5 (
) :
(Rs. in crores)
Particulars
Portfolios subject to standardised approach
Securitization exposure
31.03.2011
31.03.2010
19747.03
15180.27
NIL
NIL
(. )
(Rs. in crores)
31.03.2011
31.03.2010
521.05
293.57
i)
18.00
9.00
ii)
iii)
402.91
363.85
iv)
(i+ii+iii)
941.96
666.42
i)
ii) ( )
3.6 ( )
:
Risk Category
31.03.2011
31.03.2010
521.05
293.57
18.00
9.00
402.91
363.85
941.96
666.42
(. )
31.03.2011
31.03.2010
1699.37
1165.60
(Rs. in crores)
Capital requirement for operational risk
Basic indicator approach
31.03.2011
31.03.2010
1699.37
1165.60
85
03 PNB Basel-II.p65
85
6/1/2011, 12:35 PM
3.7 :
()
31.03.2011
31.03.2010
12.42%
14.16%
-- (%)
8.44%
9.11%
-- (%)
3.98%
5.05%
31.03.2011
31.03.2010
13.01%
14.82%
()
3.7 The capital ratios of the bank, (solo & group) and subsidiaries
are:
Punjab National Bank (Solo)
31.03.2011
31.03.2010
12.42%
14.16%
8.44%
9.11%
3.98%
5.05%
31.03.2011
31.03.2010
13.01%
14.82%
CRAR%
CRAR%
-- (%)
8.82%
9.68%
8.82%
9.68%
-- (%)
4.19%
5.14%
4.19%
5.14%
Subsidiaries:
-- --
(%)
(%)
Name of
subsidiary
86.63%
CRAR Tier I
CRAR Tier II
capital (%)
capital (%)
CRAR%
41.59%
86.63%
41.59
86.63%
41.59%
NIL
NIL
86.63%
41.59
9.23%
11.99%
7.35%
4.94%
16.58%
16.93%
9.23%
11.99%
7.35%
4.94%
16.58%
16.93%
() .
18.13%
7.99%
5.56%
21.19%
23.69%
13.20%
18.13%
7.99%
5.56%
21.19%
23.69%
NA
13.20%
(International) Ltd.
NA
NA
NA
NA
NA
10.95%
64.64%
10.95%
64.64%
10.95%
64.64%
NIL
NIL
10.95%
64.64%
NA
NA
NA
NA
NA
NA
0..
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Co. Ltd.
4. :
4.1
, :
(i) /
90
(ii) / 90
/
-
/ ,
90
(iii) 90
(iv)
4.
4.1 Any amount due to the bank under any credit facility is
overdue if it is not paid on the due date fixed by the bank.
Further, an impaired asset is a loan or an advance where:
(i) interest and/or installment of principal remains overdue
for a period of more than 90 days in respect of a term
loan.
(ii) the account remains out of order in respect of an
overdraft/cash credit for a period of more than 90 days.
Account will be treated out of order, if:
the outstanding balance remains continuously in
excess of the limit/drawing power.
in cases where the outstanding balance in the
principal operating account is less than the
sanctioned limit/drawing power, but there are no
credits continuously for 90 days as on the date of
balance sheet or credits are not enough to cover
the interest debited during the same period
(iii) in case of bills purchased & discounted, the bill remains
overdue for a period of more than 90 days
(iv) the installment or principal or interest thereon remains
overdue for two crop seasons for short duration and the
installment of principal or interest thereon remains
overdue for one crop season for long duration crops.
86
03 PNB Basel-II.p65
86
5/31/2011, 12:02 PM
4.2 ,
, , ,
,
4.3 :
(. )
31.03.2011
31.03.2010
243998.78
188306.11
59173.86
48743.46
4.4 :
(Rs. in crores)
Category
31.03.2011
31.03.2010
Fund Based
243998.78
188306.11
59173.86
48743.46
(Rs. in crores)
Category
Overseas
12765.23
989.59
58184.27
48611.86
4.5 () ( ) :
Domestic
12765.23
Non-fund based
4.5 (a)
989.59
58184.27
(. )
31.03.2011
31.03.2010
48611.86
(Rs. in crores)
S.
Code Industry
31.03.2011
31.03.2010
No.
153.09
75.20
COAL
MINING
153.09
75.20
1549.74
953.85
1549.74
953.85
15933.54
9823.67
15933.54
9823.67
kkrq;sa kkrq
1357.47
1025.25
1357.47
1025.25
lHkh
5974.00
4810.02
ALL ENGINEERING
5974.00
5.1
(005)
5.1
fctyh
6656.50
2666.65
ELECTRICITY
6656.50
2666.65
2257.49
1697.53
COTTON TEXTILES
2257.49
1697.53
92.46
127.46
JUTE TEXTILTES
4311.20
3416.07
10
10
3327.54
2196.55
10
11
11
4.59
5.44
11
12
12
[kk| laLdj.k
3837.67
3297.09
13
13
849.63
540.31
14
14
25.86
15
15
dkxt dkxt
1519.92
16
16
17
17
jlk;u jax
578.85
1300.95
0.00
578.85
4810.02
1300.95
0.00
92.46
127.46
OTHER TEXTILES
4311.20
3416.07
10
SUGAR
3327.54
2196.55
11
TEA
4.59
5.44
12
12
FOOD PROCESSING
3837.67
3297.09
13
13
849.63
540.31
30.01
14
14
1352.48
15
15
219.29
189.88
16
16
219.29
189.88
2916.34
2942.85
17
17
2916.34
2942.85
25.86
30.01
1519.92
1352.48
17.1 moZjd
113.74
94.00
0.00
17.1
Of which Fertilisers
113.74
94.00
0.00
398.02
580.24
0.00
17.2
Of which Petro-chemicals
398.02
580.24
0.00
1453.71
1356.80
0.00
17.3
1453.71
1356.80
0.00
17.3
18
18
976.50
1266.91
18
18
CEMENT
976.50
1266.91
19
19
605.31
388.43
19
19
605.31
388.43
87
03 PNB Basel-II.p65
87
5/31/2011, 12:02 PM
(. )
31.03.2011
31.03.2010
(Rs. in crores)
S.
Code Industry
31.03.2011
31.03.2010
No.
20
20
1676.38
1183.89
20
20
1676.38
1183.89
21
21
3902.69
2377.63
21
21
CONSTRUCTION
3902.69
2377.63
22
22
3502.89
1080.52
22
22
PETROLEUM
3502.89
1080.52
23
23
1480.37
1542.40
23
23
1480.37
1542.40
24
24
81.45
39.02
24
24
COMPUTER SOFTWARE
25
25
35699.28
24520.32
25
25
INFRASTRUCTURE
25.1
26
81.45
39.02
35699.28
24520.32
16298.85
9913.67
0.00
25.1
Of which Power
16298.85
9913.67
0.00
25.2
8413.91
5748.40
0.00
25.2
Of which Telecommunications
8413.91
5748.40
0.00
25.3
6501.32
6501.32
26
5062.46
0.00
7966.16
25.3
5493.36
26
26
NBFCs
5062.46
7966.16
0.00
5493.36
27
27
10234.11
8853.70
27
27
TRADING
10234.11
8853.70
28
28
18264.65
14296.11
28
28
OTHER INDUSTRIES
18264.65
14296.11
135376.12
96192.60
TOTAL
135376.12
96192.60
29
29
108622.66
92113.51
29
29
108622.66
92113.51
243998.78
188306.11
GRAND TOTAL
243998.78
188306.11
0.00
5%
0.00
0.00
0.00
1.
15933.54
9823.67
15933.54
9823.67
2.
25
35699.28
24520.32
2.
25.
INFRASTRUCTURE
35699.28
24520.32
. ( ) :
(. )
31.03.2011
31.03.2010
(Rs. in crores)
S.
Code Industry
31.03.2011
31.03.2010
No.
52.39
4.54
COAL
601.08
361.08
MINING
8650.50
5549.24
595.88
293.51
5272.42
3841.86
ALL ENGINEERING
5.1
ELECTRICITY
50.35
34.11
86.94
52.39
4.54
601.08
361.08
8650.50
5549.24
kkrq;sa kkrq
lHkh
5.1
(005)
fctyh
38.77
86.94
COTTON TEXTILES
38.77
18.06
72.50
JUTE TEXTILTES
18.06
72.50
607.64
469.74
OTHER TEXTILES
607.64
469.74
10
10
283.64
635.77
10
10
SUGAR
283.64
635.77
11
11
0.00
0.00
11
11
TEA
12
12
[kk| laLdj.k
857.02
838.21
12
12
FOOD PROCESSING
13
13
1126.81
836.25
13
13
14
14
21.04
6.33
14
14
110.13
76.73
15
15
81.21
68.04
16
16
1178.21
845.55
17
17
15
15
dkxt dkxt
16
16
17
17
jlk;u jax
17.1 moZjd
18
671.45
238.35
50.35
34.11
0.00
595.88
293.51
5272.42
3841.86
671.45
238.35
0.00
0.00
0.00
857.02
838.21
1126.81
836.25
21.04
6.33
110.13
76.73
81.21
68.04
1178.21
845.55
7.04
10.08
0.00
17.1
Of which Fertilisers
7.04
10.08
0.00
466.65
410.43
0.00
17.2
Of which Petro-chemicals
466.65
410.43
0.00
17.3
368.83
291.12
0.00
17.3
368.83
291.12
18
19
19
20
20
460.83
241.25
18
18
CEMENT
25.27
19.18
19
19
1927.65
497.06
20
20
460.83
88
03 PNB Basel-II.p65
88
5/31/2011, 12:02 PM
0.00
241.25
25.27
19.18
1927.65
497.06
(. )
31.03.2011
31.03.2010
(Rs. in crores)
S.
Code Industry
31.03.2011
31.03.2010
No.
21
21
293.36
120.18
21
21
CONSTRUCTION
293.36
22
22
632.09
67.87
22
22
PETROLEUM
632.09
67.87
23
23
219.17
172.96
23
23
219.17
172.96
24
24
1.25
1.64
24
24
COMPUTER SOFTWARE
25
25
vkkkjHkwr lajpuk
7685.47
9504.03
25
25
INFRASTRUCTURE
0.00
25.1
Of which Power
4953.59
3770.54
0.00
2040.12
2937.50
0.00
256.19
1126.14
26
25.1
4953.59
25.2
2040.12
2937.50
0.00
25.2
Of which Telecommunications
25.3
256.19
1126.14
0.00
25.3
26
3770.54
124.02
836.93
26
26
NBFCs
120.18
1.25
1.64
7685.47
9504.03
0.00
124.02
836.93
3545.16
27
27
3569.31
3545.16
27
27
TRADING
3569.31
28
28
4130.95
4661.24
28
28
OTHER INDUSTRIES
4130.95
4661.24
38614.52
33687.90
38614.52
33687.90
20559.34
15055.56
20559.34
15055.56
59173.86
48743.46
GRAND TOTAL
59173.86
48743.46
8650.50
5549.24
29
29
TOTAL
29
29
5%
1.
8650.50
5549.24
2.
27
2.
3569.31
3545.16
27
TRADING
3569.31
3545.16
5272.42
3841.86
ALL ENGINEERING
5272.42
4.
25
7685.47
3841.86
9504.03
4.
25
INFRASTRUCTURE
7685.47
9504.03
4.6 - :
(. )
2 - 7
8-14
15 28
29 3
3 6
6 1
1 3
3 5
5
()
9918.47
0.00
357.75
(3773.76)
(0.00)
4940.21
99.89
322.61
(3767.69)
(469.63)
(144.76)
4864.84
262.34
478.74
(242.01)
(293.86)
6726.54
668.97
1471.68
(4205.28)
(1354.63)
(328.39)
11127.40
7617.13
4026.77
(7609.84)
(1920.97)
(3765.37)
1541.26
6456.26
(10877.95)
(3517.11)
31700.45
2518.16
4467.88
(24836.45)
(2496.84)
(2661.82)
109496.67
10302.92
2465.73
(84440.35)
(9148.75)
(1189.68)
23555.58
14558.75
541.08
(10708.30)
(462.33)
26498.62
57943.63
747.56
(21868.46)
(48199.46)
(841.15)
242106.67
95513.05
21336.06
(186601.21)
(78057.70)
Next day
2 - 7 days
8 -14 days
15- 28 days
29days - 3months
>3months-6months
(5076.07)
(22238.30)
*
( )
Advances*
(341.61)
(2983.13)
13277.89
(Rs in Crores)
Maturity Pattern
(15105.04)
>6months-1yr
>1yr-3yrs
>3yrs-5yrs
>5yrs
Total
Investments
(gross)
9918.47
0.00
357.75
(3773.76)
(0.00)
(341.61)
4940.21
99.89
322.61
(3767.69)
(469.63)
(144.76)
4864.84
262.34
478.74
(2983.13)
(242.01)
(293.86)
1471.68
6726.54
668.97
(4205.28)
(1354.63)
(328.39)
11127.40
7617.13
4026.77
(7609.84)
(1920.97)
(3765.37)
13277.89
1541.26
6456.26
(10877.95)
(3517.11)
(5076.07)
31700.45
2518.16
4467.88
(24836.45)
(2496.84)
(2661.82)
109496.67
10302.92
2465.73
(84440.35)
(9148.75)
(1189.68)
23555.58
14558.75
541.08
(22238.30)
(10708.30)
(462.33)
26498.62
57943.63
747.56
(21868.46)
(48199.46)
(841.15)
242106.67
95513.05
21336.06
(186601.21)
(78057.70)
(15105.04)
89
03 PNB Basel-II.p65
89
5/31/2011, 12:02 PM
4.7 :
31.03.2011
31.03.2010
2643.16
1925.98
- 1
852.13
- 2
- 3
()
(Rs. in Crores)
31.03.2011
31.03.2010
Sub Standard
2643.16
1925.98
336.91
Doubtful 1
852.13
336.91
343.06
451.68
Doubtful 2
343.06
451.68
202.65
287.94
Doubtful 3
202.65
287.94
338.39
211.90
Loss
338.39
211.90
4379.39
3214.41
4379.39
3214.41
4.8 :
Category
31.03.2011
31.03.2010
2038.63
981.69
4.9 :
(Rs. in Crores)
Particulars
Net NPA
31.03.2011
31.03.2010
2038.63
981.69
31.03.2010
31.03.2011
31.03.2010
1.79%
1.71%
1.79%
1.71%
0.85%
0.53%
0.85%
0.53%
4.10 - :
NPA Ratios
-
i)
31.03.2011
31.03.2010
(Rs. in Crores)
Movement of grosss NPAs
31.03.2011
31.03.2010
3214.41
2506.90
i)
3214.41
2506.90
ii)
4336.70
2838.14
ii)
4336.70
2838.14
iii)
3171.72
2130.63
3171.72
2130.63
iv)
(i+ii-iii)
4379.39
3214.41
4379.39
3214.41
4.11 - :
-
i)
31.03.2011
31.03.2010
(Rs in Crores)
Movement of provision for NPAs
31.03.2011
31.03.2010
2180.05
2215.41
904.11
722.06
2180.05
2215.41
i)
ii)
904.11
722.06
ii)
iii)
102.69
304.76
102.69
304.76
iv)
684.72
452.66
684.72
452.66
2296.75
2180.05
2296.75
2180.05
v)
(i+ii-iii-iv)
4.12 :
v)
31.03.2011
31.03.2010
38.19
71.92
4.13 :
(Rs. in crores)
Particulars
Amount of non-performing investment
31.03.2011
31.03.2010
38.19
71.92
(. )
31.03.2011
31.03.2010
38.19
71.92
(Rs. in crores)
Particulars
Amount of provision held for non-performing investment
90
03 PNB Basel-II.p65
90
5/31/2011, 12:02 PM
31.03.2011
31.03.2010
38.19
71.92
4.14 - :
(. )
-
i)
31.03.2011
(Rs in Crores)
31.03.2010
31.03.2011
31.03.2010
333.23
375.48
i)
333.23
375.48
ii)
114.88
208.31
ii)
114.88
208.31
iii)
iv)
v)
(i+ii-iii-iv)
5.
0.00
0.00
97.40
250.56
350.71
333.23
v)
5.
0.00
0.00
97.40
250.56
350.71
333.23
5.1
:
-
-
-
-
3
:
-
-
-
cSad us o"kZ ds nkSjku dksbZ ,tsalh u rks tksM+h vkSj u dkVh gSA
/ - ( + )
5.2 ifCyd Mksesu esa miyCk jsfVax dks bl fo"k; ij Hkkjrh; fjtoZ cSad
}kjk tkjh ekxZfunsZ'kksa ds vuqlkj bLrseky fd;k tkrk gSA
5.3 ( ) U;wuhdj.k
:
(. )
i)
100%
ii) 100%
iii) 100%
iv)
31.03.20011
31.03.2010
148165.42
109933.74
171379.78
23782.78
(Rs in Crores)
Particulars
31.03.2011
31.03.2010
i)
148165.42
109933.74
116113.22
ii)
171379.78
116113.22
12544.66
iii)
23782.78
12544.66
iv)
Deducted
NIL
NIL
91
03 PNB Basel-II.p65
91
5/31/2011, 12:02 PM
6.
6.1 "
" -
-
,
6.
6.1 Bank has put in place Board approved Credit Risk Mitigation
and Collateral Management Policy which, interalia, covers
policies and processes for various collaterals including
financial collaterals and netting of on and off balance sheet
exposure. However, the bank is not making use of the onbalance sheet netting in its capital calculation process.
6.2 (
)
( , / ,
, , ),
/
6.3
, ,
6.2 The collaterals used by the Bank as risk mitigants (for capital
calculation under standardized approach) comprise of the
financial collaterals (i.e. bank deposits, govt./postal securities,
life policies, gold jewellery, units of mutual funds etc.). A
detailed process of calculation of correct valuation and
application of haircut thereon has been put in place by
developing suitable software.
6.4
6.5 ( ) :
(. )
(Rs. in crores)
31.03.2011
)
(
- )
)
( -
)
/ (
)
7.
7.1
8.
8.1
19132.74
11873.27
6.5 The total exposure for disclosed credit risk portfolio (under
the standardized approach) is covered by:
31.03.2010
31.03.2011
31.03.2010
a)
19132.74
12715.82
b)
11873.27
8563.01
12715.82
8563.01
:
( )
( )
92
03 PNB Basel-II.p65
92
5/31/2011, 12:36 PM
8.2 :
(Rs. in crores)
31.03.2011
31.03.2010
521.05
293.57
i)
ii)
402.91
363.85
ii)
18.00
9.00
941.96
666.42
i)
iii) ( )
iv)
(i+ii+iii)
9.
9.1 (
) 31.03.2008
- 31.03.2011
1699.37
9.2 ' '
' '
' '
10. ( )
10.1 -
( ), (
)
10.2 :
10.2.1 - ( - )
-1 : -
Risk Category
31.03.2011
31.03.2010
521.05
293.57
402.91
363.85
9.
18.00
9.00
941.96
666.42
Operational Risk
9.1 As per RBI directives, the bank has been maintaining capital
for operational risk under Basic Indicator approach (BIA) w.e.f.
31.03.2008. The capital requirement as per BIA is Rs. 1699.37
crores as on 31.03.2011.
9.2 Bank is now preparing itself for The Standardized Approach
and Advanced Measurement Approach of operational risk.
The bank has already applied to RBI for migration to The
Standardized Approach (TSA) under operational risk.
10. Interest Rate Risk in the Banking Book (IRRBB)
Qualitative disclosures
10.1 The interest rate risk is managed through gap analysis and
duration gap analysis. Duration gap analysis is being carried
out at quarterly intervals to assess the interest rate risk of both
banking book and trading book. Prudential limits have been
fixed for impact on Net Interest Income (NII), Net Interest
Margin (NIM), minimum ROA & minimum duration gap for
the bank.
Behavioral studies are being done for assessing and
apportioning volatile and non-volatile portion of various nonmaturity products of both assets and liabilities.
10.2 The tools used are:
10.2.1 Earning Approach (Interest rate sensitivity StatementNet Gaps)
Table 1: Interest rate sensitivity - net gaps
(. )
( )
*
()
(1-2)
1-28
-9982.56
-750.00
29 - 3
97889.70
0.00
>3 6
-114140.37
>6 12
-10732.56
31209.12
-34%
97889.70
153532.75
64%
0.00
-114140.37
10122.50
-1128%
(Rs. in Crores)
Maturity
Period
Gap
Other
Net Gap
Total
Net Gaps as
(RSA-RSL)
Products
(1+2)
Assets
% toTotal
5
-34%
*(Int. rate)
Assets
1-28 days
-9982.56
-750.00
-10732.56
31209.12
29days - 3 months
97889.70
0.00
97889.70
153532.75
64%
>3 to 6 months
-114140.37
0.00
-114140.37
10122.50
-1128%
>6 to 12 months
-45054.20
0.00
-45054.20
20763.38
-217%
-45054.20
0.00
-45054.20
20763.38
-217%
>1 3
17233.55
0.00
17233.55
53780.62
32%
>1 to 3 yrs.
17233.55
0.00
17233.55
53780.62
32%
>3 5
17554.55
0.00
17554.55
24637.48
71%
>3 to 5 yrs.
17554.55
0.00
17554.55
24637.48
71%
48806.34
0.00
48806.34
62778.35
78%
Over 5 years
48806.34
0.00
48806.34
62778.35
78%
* : ( ), (), (),
( ) ()
* Other products include: FRAs, Swaps, Futures, Options & other derivatives
3 6
93
03 PNB Basel-II.p65
93
5/31/2011, 12:02 PM
29 3
- / - 0.5% /
(/)
(. )
(Rs. in crores)
0.5% -
Remaining Period
67.75
Up to 6 months
67.75
56.03
Up to 1 year
56.03
25 200 ( )
/
-
0.5 %
The impact on the net interest income due to changes in the interest
rate upward or downward from 25 bps to 200 bps (Earning at
Risk Model) is assessed on monthly basis on the rate sensitive assets
and liabilities of the Bank. The impact at 0.5% as assessed through
EaR model is tested against prudential limit on the NII fixed by the
bank as part of risk management exposure for earnings.
10.2.2 :
200
94
03 PNB Basel-II.p65
94
5/31/2011, 12:02 PM
/
/
1.
..
28.10.2009
..
26.03.2009
14
01.01.2011
14
10.06.2008
( )
30.07.2010
( )
..
05.12.2008
( )
..
27.12.2008
( )
500
..
27.12.2008
( )
100
..
27.12.2008
( )
300
10
..
28.01.2010
( )
11
15.02.2010
( )
2.3 2010-11
0
1.
13.04.2010
13
12
2.
06.05.2010
13
13
3.
28.05.2010
13
12
4.
29.06.2010
13
13
5.
22.07.2010
13
11
6.
26.08.2010
13
12
7.
27.09.2010
13
12
8.
28.10.2010
13
13
9.
18.11.2010
13
10
10.
20.12.2010
13
09
11.
20/21.01.2011
13
13
12.
05.02.2011
13
12
13.
22.02.2011
13
11
14.
04.03.2011
11
09
15.
28.03.2011
11
10
95
95
6/1/2011, 11:44 AM
1.
Date of
Category
Appointment
Membership
of SubCommittees
of Board of
the Bank
Chairmanship
of SubCommittees
of Board
of the Bank
1.
28.10.2009
2.
Sh. M. V. Tanksale
Executive Director
3.
Chairmanship/
No. of Shares
membership
held by
of Audit
Director
Committee and
Share-holders/
Investors Grievance
Committee in
other Companies
Executive
Nil
26.03.2009
Executive
14
Nil
Nil
01.01.2011
Executive
14
Nil
Nil
4.
10.06.2008
Nil
Nil
5.
30.07.2010
Nil
Nil
Nil
6.
05.12.2008
Nil
Nil
Nil
7.
27.12.2008
500
8.
27.12.2008
Nil
Nil
100
9.
27.12.2008
Nil
Nil
300
10.
28.01.2010
Nil
Nil
Nil
11.
15.02.2010
Nil
Nil
Nil
1.
13.04.2010
13
12
2.
06.05.2010
13
13
3.
28.05.2010
13
12
4.
29.06.2010
13
13
5.
22.07.2010
13
11
6.
26.08.2010
13
12
7.
27.09.2010
13
12
8.
28.10.2010
13
13
9.
18.11.2010
13
10
10.
20.12.2010
13
09
11.
20/21.01.2011
13
13
12.
05.02.2011
13
12
13.
22.02.2011
13
11
14.
04.03.2011
11
09
15.
28.03.2011
11
10
96
96
5/31/2011, 12:16 PM
2.4 2010-11
.
.
S.
Name of Director
No.
1.
..
..
*
.. **
. ***
..***
..
..
..
..
..
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14
15.
(21.07.2010)
15
15
1.
15
14
2.
05
04
3.
10
10
4.
15
05
10
13
13
15
15
15
15
15
15
06
05
09
11
11
14
12
15
15
15
15
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
No. of
Meetings
held
during the
tenure
No. of
Meetings
attended
Attendance
in last
AGM
Held on
(21.07.2010)
15
15
Yes
15
14
Yes
05
04
N.A.
10
10
Yes
15
05
10
13
13
15
15
15
15
15
15
06
05
09
11
11
14
12
15
15
15
15
No
Yes
N.A.
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Sh. K. R. Kamath,
CMD
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Ms. Ravneet Kaur
Sh. L.M. Fonseca**
Sh. Jasbir Singh
Sh. Mushtaq A. Antulay***
Sh. G. P. Khandelwal***
Sh. V. K. Mishra
Sh. T. N. Chaturvedi
Sh. D. K. Singla
Sh. G. R. Sundaravadivel
Sh. Pradeep Kumar
Sh. M. P. Singh
*
31.12.2010
** 30.07.2010
*** 27.02.2011
2.5 2010-11
01.01.2011 31.12.2015
,
-
, , ,
32
30.07.2010
( )
()
28 3
3.
:
3.
97
97
5/31/2011, 12:16 PM
3.1 - (...)
/
(...)
:
:
/
/ / //
-
/ - ,
Functions:
The main functions of the Committee are as under:
31.03.2011
1. .
-
( )
( )
2. . .
-
3.
-
4.
-
( )
5.
-
( )
6. .. -
( )
Composition as on 31.03.2011
2010-11 :
1.
2
3
4
5
6
7
8
9
10
12.04.2010
5/6.05.2010
28.05.2010
28.06.2010
21/22.07.2010
27.09.2010
28.10.2010
06.12.2010
21.01.2011
11.03.2011
1. Sh. T. N. Chaturvedi
- Non-Executive Director
(Shareholder Director)
(Chairman of the Committee)
2. Sh. M. V. Tanksale
- Executive Director
- Executive Director
- Non-Executive Director
(GoI Nominee)
- Non-Executive Director
(RBI Nominee)
S.
No.
Date of the
Meeting
6
6
6
6
6
6
6
6
6
6
4
5
5
5
5
6
6
5
5
6
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
12.04.2010
5/6.05.2010
28.05.2010
28.06.2010
21/22.07.2010
27.09.2010
28.10.2010
06.12.2010
21.01.2011
11.03.2011
Total No. of
Directors of
the Committee
No.of Directors
present in the
Meeting
6
6
6
6
6
6
6
6
6
6
4
5
5
5
5
6
6
5
5
6
98
98
5/31/2011, 12:16 PM
- 2010 - 11
Details of Audit Committee meetings attended by memberDirectors during the Financial Year 2010-11
Sl. No.
Name of Director
1.
2.
3.
..*
..
**
..***
****
..
Sh. T. N. Chaturvedi
Sh. D.K. Singla*
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED**
Ms. Ravneet Kaur
Sh. L. M. Fonseca***
Sh. Jasbir Singh
Sh. M.A. Antulay****
Sh. G. R. Sundaravadivel
4.
5.
6.
7.
8.
9.
10.
02
08
10
02
08
10
1.
2.
3.
02
02
4.
08
08
5.
10
06
04
08
02
03
06
04
07
02
6.
7.
8.
9.
10.
No. of meetings
held during the tenure
No. of meetings
attended
02
08
10
02
08
10
02
02
08
08
10
06
04
08
02
03
06
04
07
02
* 14.01.2011
**
31.12.2010
*** 30.07.2010
**** 14.01.2011
3.2 ( )
( ) 1970 13
/
:
) ( )
) /
)
) / ,
/
.) /
) ,
)
)
31.3.2011
1. ..
( )
( )
( )
( )
( )
2. .
3.
4.
5. ..
6. ..
7.
99
99
5/31/2011, 12:16 PM
2010-11
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20
21
22
13.04.2010
05.05.2010
28.05.2010
16.06.2010
29.06.2010
21.07.2010
11.08.2010
25.08.2010
14.09.2010
27.09.2010
13.10.2010
27.10.2010
18.11.2010
06.12.2010
21.12.2010
30.12.2010
20.01.2011
05.02.2011
22.02.2011
11.03.2011
21.03.2011
28.03.2011
S.
No.
Date of
Meeting
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
6
7
7
6
6
7
7
5
7
6
7
6
7
7
7
6
7
7
7
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
13.04.2010
05.05.2010
28.05.2010
16.06.2010
29.06.2010
21.07.2010
11.08.2010
25.08.2010
14.09.2010
27.09.2010
13.10.2010
27.10.2010
18.11.2010
06.12.2010
21.12.2010
30.12.2010
20.01.2011
05.02.2011
22.02.2011
11.03.2011
21.03.2011
28.03.2011
7
7
7
6
7
7
6
6
7
7
5
7
6
7
6
7
7
7
6
7
7
7
2010 - 11 -
S.
No.
Name of
Director
1.
..
..
*
..**
. .***
..
..****
..*****
..******
. *******
..
Sh. K. R. Kamath,
CMD
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Sh. L. M. Fonseca**
Sh. Jasbir Singh
Sh. G. P. Khandelwal***
Sh. T.N. Chaturvedi
Sh. G. R. Sundravadivel****
Sh. M. P. Singh*****
Sh. V. K. Mishra******
Sh. Mushtaq A. Antulay*******
Sh. D. K. Singla
Sh. Pradeep Kumar
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
22
21
1.
22
22
2.
06
06
3.
16
15
4.
06
16
01
08
10
11
11
03
12
10
06
12
01
08
10
10
10
03
12
10
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
No. of meetings
held during the tenure
No. of meetings
attended
22
21
22
22
06
06
16
15
06
16
01
08
10
11
11
03
12
10
06
12
01
08
10
10
10
03
12
10
*
31.12.2010
** 30.07.2010
*** 01.05.2010
**** 01.10.2010
***** 01.11.2010
****** 13.01.2011
******* 27.02.2011
3.3
:
100
100
5/31/2011, 12:16 PM
,
(,
, , )
31.03.2011
1. ..
-
( )
2. ..
-
3.
-
4.
- -
( )
5. ..
-
( )
6. ..
-
( )
7. ..
-
( )
Composition as on 31.3.2011.
1. Sh. K. R. Kamath
-
2010-11 -
S.
No.
Name of
Director
..
..
*
.. **
***
..
..
..
Sh. K. R. Kamath,
CMD
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Ms. Ravneet Kaur
Sh. L.M. Fonseca**
Sh. Jasbir Singh***
Sh. T. N. Chaturvedi
Sh. G. R. Sundravadivel
Sh. D. K. Singla
2
3
4.
5.
6.
7.
8.
9.
10.
2.
3.
4.
Sh. M. V. Tanksale
Sh. Rakesh Sethi
Ms. Ravneet Kaur
5.
Sh. T. N. Chaturvedi
6.
Sh. G. R. Sundravadivel
7.
Sh. D. K. Singla
2.
3.
4.
4
2
2
4
4
4
1
1
1
3
4
4
5.
6.
7.
8.
9.
10.
No. of meetings
held during the tenure
No. of meetings
attended
4
2
2
4
4
4
1
1
1
3
4
4
*
31.12.2010
** 30.07.2010
*** 21.01.2011
3.4 /
( )
/
,
31.03.2011
1. ..
-
( )
2. .
-
3.
-
3.4 Committee of Directors to review disposal of Vigilance/Nonvigilance Disciplinary action cases (COD)
Role/Functions
The Committee reviews disposal of vigilance and non-vigilance
disciplinary action cases on quarterly basis.
Composition as on 31.03.2011
1. Sh. K. R. Kamath
2.
3.
Sh. M. V. Tanksale
Sh. Rakesh Sethi
101
101
5/31/2011, 12:16 PM
4.
- -
( )
5.
-
( )
2010-11
4.
..
..
*
..**
2
3
4
5
6
7
Non-Executive Director
(GoI Nominee)
5. Sh. Jasbir Singh
Non-Executive Director
(RBI Nominee Director)
Details of meeting attended by member-Directors during the
Financial Year 2010-11.
1.
2.
3.
4.
4
3
1
3
1
5.
6.
7.
No. of meetings
attended
4
3
1
Nil
3
1
Sh. K. R. Kamath,
CMD
Sh. M.V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Ms. Ravneet Kaur
Sh. Jasbir Singh
Sh. L. M. Fonseca**
*
31.12.2010
** 30.07.10
3.5
-
,
//-/
31.03.2011
1. ..
-
( )
2.
-
( )
3. ..
-
( )
4.
-
( )
5. ..
-
( )
Composition as on 31.03.2011
1. Sh. M. V. Tanksale
-
2010-11
S.No.
Name of Director
1
2
3.
4.
5
6
7
..
*
..**
..
..
1.
2.
3.
4.
5.
6.
7.
Sh.
Sh.
Sh.
Sh.
Sh.
Sh.
Sh.
5
2
3
4
5
5
5
5
2
3
4
5
5
4
*
31.12.2010
** 27.02.2011
2.
3.
4.
5.
Sh. M. P. Singh
Executive Director
(Chairman of the Committee)
- Executive Director
(Alternate Chairman)
- Non-Executive Director
(Shareholder Director)
- Non-Executive Director
(Officers Nominee Director)
- Non-Executive Director
(Workmen Nominee Director)
No.of meetings
held during the tenure
No.of
meetings attended
5
2
3
4
5
5
5
5
2
3
4
5
5
4
M. V. Tanksale
Rakesh Sethi
Nagesh Pydah*
G. P. Khandelwal**
D.K. Singla
Pradeep Kumar
M. P. Singh
102
102
5/31/2011, 12:16 PM
3.6
/
VII
VII
31.03.2011
1. ..
-
- ( )
2.
- -
- ( )
3.
-
- ( )
Composition as on 31.03.2011
1. Sh. K. R. Kamath
-
2010-11 -
1.
2
3.
4.
..
..*
2
2
1
1
2
2
1
1
Role/Functions
The Committee considers candidates for promotions to Top
Executive Grade Scale-VII as well as representations of
candidates against non-approval for promotion to Top
Executive Grade Scale-VII.
1.
2.
3.
4.
No. of meetings
held during the tenure
No. of meetings
attended
2
2
1
1
2
2
1
1
Sh. K. R. Kamath
Ms. Ravneet Kaur
Sh. Jasbir Singh
Sh. L. M. Fonseca*
* 30.07.2010
3.7 -
31.03.2011
1. ..
-
( )
2. ..
-
3.
-
4.
-
( )
5. ..
-
( )
6.
-
( )
7. ..
-
( )
2010-11 -
1.
..
..
*
2
3
4.
5.
1.
2.
3.
4.
5.
No.of meetings
held during the tenure
No. of
meetings attended
Sh. K. R. Kamath
CMD
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Ms. Ravneet Kaur
103
103
5/31/2011, 12:16 PM
6.
7.
8.
..
..
6
6
6
6
6
6
6.
7.
8.
Sh. D. K. Singla
Sh. Pradeep Kumar
Sh. M. P. Singh
6
6
6
6
6
6
*
31.12.2010
3.8
(
)
31.03.2011
1.
( )
2.
( )
3. ..
( )
4. ..
( )
2010-11 -
1.
2
3
4
5
. .*
..
..
1
1
1
1
1
1
1
1
1.
2.
3.
4.
5.
No. of meetings
held during the tenure
No. of meetings
attended
1
N.A.
1
1
1
1
N. A.
1
1
1
* 30.07.2010
3.9
-
() " "
31.03.2011
1.
-
( )
( )
2. ..
-
( )
2010-11
Composition as on 31.03.2011
1. Ms. Ravneet Kaur
-
3.10
:-
2.
Sh. V. K. Mishra
104
104
Non-Executive Director
(GoI Nominee)
(Chairman of the Committee)
Non-Executive Director
(Appointed by GoI)
5/31/2011, 12:16 PM
31.03.2011
1. ..
-
( )
2. .
-
3.
-
4. ..
-
( )
5.
-
( )
6. ..
-
( )
Composition as on 31.03.2011
1. Sh. K. R. Kamath
- Chairman & Managing Director
(Chairman of the Committee)
2. Sh. M. V. Tanksale
- Executive Director
3. Sh. Rakesh Sethi
- Executive Director
4. Sh. V.K. Mishra
- Non-Executive Director
(Appointed by GoI)
5. Sh. Pradeep Kumar
- Non-Executive Director
(Officers Nominee Director)
6. Sh. M. P. Singh
- Non-Executive Director
(Workmen Nominee Director)
2010-11
S.No.
Name of Director
1.
..
..
*
..**
..***
..
..
****
Sh. K. R. Kamath,
CMD
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Sh. L. M. Fonseca**
Sh. G.P. Khandelwal***
Sh. V.K. Mishra
Sh. Pradeep Kumar
Sh. M. P. Singh
Sh. Jasbir Singh****
2
3
4.
5
6.
7.
8.
9.
10.
1.
2.
3.
4.
1
4
4
4
4
2
1
3
4
4.
4
1
5.
6.
7.
8.
9.
10.
No.of meetings
held during the tenure
No. of meetings
attended
1
4
4
4
4
2
1
3
4
4.
4
1
*
31.12.2010
** 30.07.2010
*** 27.02.2011
**** 06.01.2011
3.11
( )
31.03.2011
1. ..
-
( )
2.
-
( )
3. ..
-
( )
-
( )
4. ..
Sh. M. V. Tanksale
2.
3.
Sh. V. K. Mishra
4.
Sh. T. N. Chaturvedi
- Executive Director
(Chairman of the Committee)
- Executive Director
(Alternate Chairman of the
Committee)
- Non-Executive Director
(Appointed by GoI)
- Non-Executive Director
(Shareholder Director)
105
105
6/2/2011, 10:40 AM
2010-11 -
:
S.No.
Name of Director
1.
.. ,
,
,
*
.**
..
..
Sh. M. V. Tanksale,
ED
Sh. Rakesh Sethi,
ED
Sh. Nagesh Pydah,
ED*
Sh. Mushtaq. A. Antulay**
Sh. V. K. Mishra
Sh. T. N. Chaturvedi
2
3
4
5
6
1.
3.
3
5
5
3
5
4
5.
6.
No.of meetings
held during the tenure
No.of meetings
attended
3
5
5
3
5
Nil
*
31.12.2010
** 27.02.2011
3.12
( ) ,
1977 /
1.03.2011
1. ..
-
( )
2. ..
3.
4.
-
( )
5.
-
( )
2010-11
Composition as on 31.03.2011
1. Sh. K. R. Kamath
- Chairman and Managing Director
(Chairman of the Committee)
2. Sh. M. V. Tanksale
- Executive Director
3. Sh. Rakesh Sethi
- Executive Director
4. Ms. Ravneet Kaur
- Non-Executive Director
(GoI Nominee)
5. Sh. Jasbir Singh
- Non-Executive Director.
(RBI Nominee)
3.13
,
31.03.2011
1. ..
-
( )
2. ..
-
3.
-
( )
4. ..
-
- ( )
2010-11
3.14 2013
2013
106
106
5/31/2011, 12:16 PM
-
31.03.2011
1. ..
-
( )
2.
-
( )
3. ..
-
( )
4.
-
( )
5. . .
-
- ( )
2010-11 -
1.
2
3.
4.
5
6
7
..
*
. .**
.
..
4
1
3
3
4
4
4
4
1
3
3
4
4
4
* 31.12.2010
** 27.02.2011
Executive Director
(Chairman of the Committee)
2. Sh. Rakesh Sethi
- Executive Director
(Alternate Chairman of the
committee)
3. Sh. G. R. Sundravadivel - Non-Executive Director
(Shareholder Director)
4. Sh. Pradeep Kumar
- Non-Executive Director
(Officers Nominee Director)
5. Sh. M. P. Singh
- Non-Executive Director
(Workmen Nominee Director)
Details of Meetings attended by member-Directors during the
Financial Year 2010-11
S. No. Name of the Directors
1.
2.
3.
4.
5.
6.
7.
No. of meetings
held during the tenure
No. of meetings
attended
4
1
3
3
4
4
4
4
1
3
3
4
4
4
Sh. M. V. Tanksale
Sh. Rakesh Sethi
Sh. Nagesh Pydah*
Sh. G.P. Khandewal**
Sh. G. R. Sundravadivel
Sh. Pradeep Kumar
Sh. M. P. Singh
3.15
( ) 2000
, / -
:
31.03.2011
1.
-
( )
2. ..
-
3 ..
- -
( )
2010-11 --
1.
2
3
4
,
.. ,
, *
..
06
24
16
24
06
23
16
21
1.
2.
3.
4.
Sh. M. V. Tanksale
Sh. T.N. Chaturvedi
Executive Director
(Chairman of the Committee)
Executive Director
Non-Executive Director
(Shareholder Director)
No. of meetings
held during the tenure
No. of meetings
attended
06
24
16
24
06
23
16
21
*
31.12.2010
31.3.2011
107
107
5/31/2011, 12:16 PM
3.16 /
31.03.2011
1. ..
- -
( )
( )
2. ..
-
3.
-
Composition as on 31.03.2011 :
1. Sh. T.N. Chaturvedi
- Non-Executive Director
(Shareholder Director)
(Chairman of the Committee)
2. Sh. M.V. Tanksale
- Executive Director
3. Sh. Rakesh Sethi
- Executive Director
2010-11
1.
2
..
.. ,
,
,
*
3
4
6
6
6
6
1.
2.
1
5
1
5
3.
4.
No. of meetings
held during the tenure
No. of meetings
attended
6
6
6
6
1
5
1
5
*
31.12.2010
, 47
398 397
31.03.2011 1
( )
4. / -
49
-
:-
4.
Status of implementation
- ,
,
,
/
/
/
:
108
108
5/31/2011, 12:16 PM
-
/
/
,
(
) 1970
,
-
/
-
,
-
(
) 1970
9(3)(i)
-
organization.
5.
:
5.
Annual
General
Meeting
Time
Venue
, 4 , 2008
11.30
Seventh
, 29 , 2009
11.30
, 21 , 2010
10.30
Monday,
August 4, 2008
Wednesday,
July 29, 2009
Wednesday,
July 21, 2010
11.30 a.m.
,
, -110 001
,
, - 110 001
,
, -110 001
Eighth
Ninth
11.30 a.m.
10.30 a.m.
No special resolutions were put through in the above said Annual General
Meetings.
( ) -
Postal Ballot - Bank has not conducted any postal ballot during
the financial year.
109
109
5/31/2011, 12:16 PM
6
6.1
:-
6.
(`)
Disclosures
Meeting
5000/2500/-
Board
Sub-Committee of Board
5000/2500/-
6.2 /
- 31.3.2011
( 18)
6.3 3 /
/
6.2 The Related Party Transactions of the Bank as per RBI /ICAI
guidelines are disclosed in the Notes on Accounts (in Schedule
18) of the Balance Sheet as on 31.3.2011.
7.
( ) -
(www.pnbindia. in/new)
:
, :
7.
0
1
2
3
4
5
6
7
8
Edition(s)
1
2
3
4
5
6
7
8
/ ()
8.
8.1 10 :
- :
: , 27 , 2011
: 10.00
: ,
, 8, , ,
-110054
8.2 ()
30, 2011
- 14, 2011
8.
Time
: 10.00 a.m.
Venue
110
110
5/31/2011, 12:16 PM
30,2011
31, 2011
31, 2012 /
- 14, 2011
- 14, 2012
- 30 , 2012
8.3 ( - 2010-11
10 )
18.06.2011 () 27.06.2011 ()( )
8.4 - 2010-11
: 04.05.2011
2010-11 `10/-
` 22/- ( 220% ) ,
/
18.06.2011 () 27.06.2011
() ,
" 30
8.5 i) :
:-
8.5 i)
.
()
,()
The shares of the Bank are listed on the following Stock Exchanges:
24.4.2002
532461
25.4.2002
Stock Exchange
National Stock Exchange
of India Limited (NSE)
Bombay Stock Exchange Ltd, (BSE)
Stock Code
PNB
24.4.2002
532461
25.4.2002
ii)
ii)
8.6 (`) /
The annual listing fee to NSE & BSE and annual custody charges to
NSDL & CDSL have since been paid upto date.
,2010
2011
1056.55
1145.00
1068.90
1098.00
1225.50
1327.50
1360.00
1399.90
1289.00
1237.00
1139.00
1230.00
964.05
900.00
981.35
1005.30
1074.15
1176.25
1265.00
1126.25
1155.10
1065.45
970.30
1037.90
5879407
8757873
6280945
9877415
6667196
5915864
6942058
8902863
5475113
5701959
5700111
5863894
81964698
1055.00
1058.40
1067.25
1103.75
1232.00
1326.00
1360.20
1395.00
1291.80
1237.00
1125.00
1233.15
955.55
933.00
982.20
988.80
1064.00
1175.00
1268.00
1126.00
1150.00
1040.00
971.00
1040.00
1226461
1218509
1020541
1785471
1114209
1086569
840200
1601912
801827
915789
581338
697338
NSE
Month
7105868
9976382
7301486
11662886
7781405
7002433
7782258
10504775
6276940
6617748
6281449
6561232
12890164 94854862
April-10
May
June
July
August
September
October
November
December
Jan.11
February
March
TOTAL
HIGH
1056.55
1145.00
1068.90
1098.00
1225.50
1327.50
1360.00
1399.90
1289.00
1237.00
1139.00
1230.00
BSE
LOW VOLUME
964.05
900.00
981.35
1005.30
1074.15
1176.25
1265.00
1126.25
1155.10
1065.45
970.30
1037.90
5879407
8757873
6280945
9877415
6667196
5915864
6942058
8902863
5475113
5701959
5700111
5863894
81964698
HIGH
1055.00
1058.40
1067.25
1103.75
1232.00
1326.00
1360.20
1395.00
1291.80
1237.00
1125.00
1233.15
Combined
Volume
LOW VOLUME
955.55
933.00
982.20
988.80
1064.00
1175.00
1268.00
1126.00
1150.00
1040.00
971.00
1040.00
1226461 7105868
1218509 9976382
1020541 7301486
1785471 11662886
1114209 7781405
1086569 7002433
840200 7782258
1601912 10504775
801827 6276940
915789 6617748
581338 6281449
697338 6561232
12890164 94854862
* - / (www.nseindia.com/www.bseindia.com)
` 900 ` 1399.90
9.49
13.31
111
111
5/31/2011, 12:41 PM
8.7
-
8.8
2009-10
2010-11
( `)
10/31 o (`) 411.45
(`)
98.03
(`10 )
20.00
(%)
(200.00)
(`)
416.74
( %)
20.40
10/1012.75
123.86
22.00
(220.00)
514.77
17.76
10/1212.70
140.60
22.00
(220.00)
661.20
15.72
2008-09
2009-10
2010-11
10/411.45
98.03
20.00
(200.00)
416.74
20.40
10/1012.75
123.86
22.00
(220.00)
514.77
17.76
10/1212.70
140.60
22.00
(220.00)
661.20
15.72
8.9
0, ,
:
( : )
-65, , ,
- 110020
.011-41406149/51/52
( ) 011-41709884
. 011-41709881
( - ): pnb@mcsdel.com
- : admin@mcsdel.com
8.10(i)
,
, ,/ ., -
( , , 0, ) -
/
(ii) ( )
112
112
5/31/2011, 12:16 PM
8.11
(i) :
160 01014
0 ( )
( )
(ii)
/ , - , ( , ,
., . ) -
()
/
8.12 - () :
: (2005) (2002)
0
1 01.04.2010
(
21.03.2011)
2
3
4 31.03.2011
(1-3)
389
14256
16
1411
15
1382
374
*12874
62
451
21656
16
1411
15
1382
436
20274*
62
7400
*7400
IPO (2002)
TOTAL
No.of
Shareholders
No. of
Shares
No. of
Shareholders
No. of
Shares
No. of
Shareholders
No. of
Shares
389
14256
62
7400
451
21656
16
1411
N.A.
N.A.
16
1411
15
1382
N.A.
N.A.
15
1382
374
*12874
62
*7400
436
20274*
* Certified that voting rights on these shares shall remain frozen till the rightful owner claims
the said shares.
8.13 31 , 2011
(i)
Shareholders Category
//
/ /
/
/
58.00
19.35
12.98
4.50
1.20
3.97
100.00
(iii)
10/-
191533
1747
336
123
45
37
(`)
98.59
0.90
0.17
0.07
0.02
0.02
President of India
FIIs/NRIs/OCBs
Banks/Financial Institutions/Insurance Companies
Mutual Funds
Domestic Companies/Trusts
Indian Public/Resident Individuals
58.00
19.35
12.98
4.50
1.20
3.97
Total
100.00
194268
`10/-
(iv)
500
5011000
1001 2000
2001 3000
3001 4000
4001 5000
10290259
1211417
487827
306790
159642
170681
102902590
12114170
4878270
3067900
1596420
1706810
3.25
0.38
0.15
0.10
0.05
0.05
No. of
Shareholders
% age
of
Total
Shareholding of
Nominal Value
of Rs.
191533
1747
336
123
45
37
98.59
0.90
0.17
0.07
0.02
0.02
Upto 500
501 to 1000
1001 to 2000
2001 to 3000
3001 to 4000
4001 to 5000
No. of
equity
Shares
Amount
(`)
%age
to
Total
10290259
1211417
487827
306790
159642
170681
102902590
12114170
4878270
3067900
1596420
1706810
3.25
0.38
0.15
0.10
0.05
0.05
113
113
5/31/2011, 12:16 PM
89
159
59
140
0.05
0.08
0.03
0.07
5001 10000
10001 50000
50001 100000
100001
194268
100.00
627401
6274010
3878821
38788210
4320848
43208480
295358471 2953584710
0.20
1.23
1.36
93.23
89
159
59
140
0.05
0.08
0.03
0.07
Total:
194268
5001 to 10000
10001 to 50000
50001 to 100000
100001 and above
627401
6274010
3878821
38788210
4320848
43208480
295358471 2953584710
0.20
1.23
1.36
93.23
100.00
316812157 3168121570
100.00
31.03.2011 ()
:
S.
No.
Particulars
1.
2.
i)
ii)
1
2
i)
ii)
11295
182973
147674
35299
1839145
314973012
129170199
185802813
00.58
99.42
40.77
58.65
(1+2)
194268
316812157
100.00
No. of
Shareholders
No. of
Shares
%
Shareholding
Physical
Demat of which
NSDL
CDSL
11295
182973
147674
35299
1839145
314973012
129170199
185802813
00.58
99.42
40.77
58.65
Total (1+2)
194268
316812157
100.00
`10/- `1218.82
15,09,657 `184
8.14 31.03.2011
Physical
6600 0.36
46453 2.53
4100 0.22
34815 1.89
64752 3.52
110099 5.99
163808 8.91
51782 2.82
1356736 73.77
1839145 100.00 11295 100.00 314973012 100.00 182973 100.00 316812157 100.00 194268 100.00
CITY NAME
AHMEDABAD
Electronics
Total
6600
0.36
60
0.53
419494
0.13
7841
4.29
426094
0.13
7901
4.07
BANGLORE
46453
2.53
269
2.38
411471
0.13
8337
4.56
457924
0.14
8606
4.43
CHENNAI
4100
0.22
36
0.32
26868
0.01
513
0.28
30968
0.01
549
0.28
HYDERABAD
34815
1.89
197
1.74
206571
0.07
3879
2.12
241386
0.08
4076
2.10
KOLKATA
64752
3.52
357
3.16
522349
0.17
6200
3.39
587101
0.19
6557
3.38
MUMBAI
110099
5.99
694
34740
35434
18.24
NEW DELHI
163808
8.91
1137
20508
21645
11.14
51782
2.82
317
2.81
438113
0.14
6941
3.79
489895
OTHERS
1356736
73.77
8228
72.85
5343161
1.70
94014
51.38
6699897
TOTAL
1839145 100.00
NCR
0.15
7258
3.74
2.11 102242
52.63
11295 100.00 314973012 100.00 182973 100.00 316812157 100.00 194268 100.00
8.15 //
8.16 :i )
,
- 5, ,
- 110001
ii) . 011 - 23322025, 23719086
iii) .011 - 23766079, - 011 - 23711663
iv) - : hosd@pnb.co.in
:
: 04/05/2011
(..)
114
114
5/31/2011, 12:16 PM
(K. R. Kamath)
Chairman & Managing Director
Declaration
www.pnbindia.in/new (
)
The Bank has laid down a Code of Conduct for all the Board
Members and Senior Management Personnel of the Bank, which
is posted on the website of the Bank i.e. www.pnb.india.in / new
(Regulatory Disclosures).
49 (I)
:
: 04/05/2011
(..)
(K. R. Kamath)
Date : 04/05/2011
115
115
5/31/2011, 12:16 PM
Auditors Certificate
49
31 , 2011
. .
0 0
: 000180
( )
026012
(K. L. Jhanwar)
Partner
Membership No.14080
301138
( )
061551
(R. C. Hasija)
Partner
Membership No.54809
(A. Chhatterjee)
Partner
Membership No.061551
000483
109262
( )
70009
( )
102789
(Niranjan Joshi)
Partner
Membership No.102789
0
000722
( )
14080
..
000386
( )
54809
:
: 04/05/2011
116
116
5/31/2011, 12:16 PM
fokh; fooj.k
Financial Statements
5 PNB-Balance sheet.p65
117
6/2/2011, 12:35 PM
31 , 2011 -
BALANCE SHEET AS ON 31ST MARCH, 2011
Schedule
31 03 2011
As on 31.03.2011
31 03 2010
As on 31.03.2010
3168122
3153025
211917450
174076160
3128987266
2493298030
315896905
192623660
123282659
103176897
3783252402
2966327772
237768960
183275755
59143156
51459888
951623475
777244678
2421066661
1866012080
10
31055961
25134690
CAPITAL & LIABILITIES
Capital
Reserves & Surplus
Deposits
Borrowings
Other Liabilities and Provisions
/TOTAL
ASSETS
Cash & Balances with Reserve Bank of India
Balances with Banks & Money at call & short notice
Investments
Advances
Fixed Assets
Other Assets
11
/TOTAL
Contingent Liabilities
12
82594189
63200681
3783252402
2966327772
1269337218
918134355
119815388
95268320
Bills for Collection
Significant Accounting Policies
17
Notes on Accounts
18
1 18
The Schedules 1 to 18 form an integral part of the Accounts.
..
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GEN. MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
. .
. .
. .
PRADEEP KUMAR
DIRECTOR
M P SINGH
DIRECTOR
D. K. SINGLA
DIRECTOR
G. R. SUNDARAVADIVEL
DIRECTOR
T. N. CHATURVEDI
DIRECTOR
V. K. MISHRA
DIRECTOR
JASBIR SINGH
DIRECTOR
Ms RAVNEET KAUR
DIRECTOR
. .
( )
( )
( )
( . )
( )
( )
- 077076 000722
- 025805, 0001805
- 088393, 000386
- 061551, 301138
- 070009, 000483
- 102789, 109262
(VIKAS GUPTA)
Partner
M No. 077076, FRN 000722C
(V S VENKATESWARLU)
Partner
M No.025805, FRN 000180S
(PRADEEP VERMA)
Partner
M No.088393, FRN 000386N
(A CHATTERJEE)
Partner
M No. 061551, FRN 301138E
(C V S K RAO)
Partner
M No. 070009, FRN 000483C
(NIRANJAN JOSHI)
Partner
M No. 102789, FRN 109262W
/Date : 04.05.2011
/Place: /New Delhi
118
5 PNB-Balance sheet.p65
118
5/31/2011, 12:18 PM
FOR SARDA & PAREEK
CHARTERED ACCOUNTANTS
31 , 2011 -
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2011
I.
31 03 2011
31 03 2010
Schedule
269864800
214220949
INCOME
Interest earned
13
Other Income
14
/TOTAL
II.
36125803
36101275
305990603
250322224
151791441
129440233
EXPENDITURE
Interest expended
15
Operating expenses
16
Provisions and Contingencies
/TOTAL
III. -
PROFIT - Net Profit for the period
63642242
47619169
46221967
34209247
261655650
211268649
44334953
39053575
76413
44334953
39129988
11083740
9763393
120165
4241182
23650494
15704488
6969867
3783630
1130687
628413
3153025
535857
1380000
1320000
IV.
APPROPRIATIONS
:
Transfer to :
Statutory Reserves
Capital Reserves
Revenue & Other Reserves
2010-11 -220%
( 2009-10 120% )
2010-11
100%
Special reserve as per Income Tax Act
/TOTAL
( .) (/)
Earning Per Share (Rs.) (Basic/Diluted)
44334953
39129988
140.60
123.86
17
Notes on Accounts
18
..
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GEN. MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
. .
. .
. .
. .
PRADEEP KUMAR
DIRECTOR
M P SINGH
DIRECTOR
D. K. SINGLA
DIRECTOR
G. R. SUNDARAVADIVEL
DIRECTOR
T. N. CHATURVEDI
DIRECTOR
V. K. MISHRA
DIRECTOR
JASBIR SINGH
DIRECTOR
Ms RAVNEET KAUR
DIRECTOR
. .
( )
(. . )
( )
( . )
(. . . . )
( )
- 077076 000722
- 025805, 0001805
- 088393, 000386
- 061551, 301138
- 070009, 000483
- 102789, 109262
(VIKAS GUPTA)
Partner
M No. 077076, FRN 000722C
(V S VENKATESWARLU)
Partner
M No.025805, FRN 000180S
(PRADEEP VERMA)
Partner
M No.088393, FRN 000386N
(A CHATTERJEE)
Partner
M No. 061551, FRN 301138E
(C V S K RAO)
Partner
M No. 070009, FRN 000483C
(NIRANJAN JOSHI)
Partner
M No. 102789, FRN 109262W
FOR SARDA & PAREEK
CHARTERED ACCOUNTANTS
/Date : 04.05.2011
/Place: /New Delhi
119
5 PNB-Balance sheet.p65
119
5/31/2011, 12:18 PM
1 -
SCHEDULE 1 - CAPITAL
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
30000000
30000000
3168122
3153025
3168122
3153025
3168122
3153025
300,00,00,000 . 10
Authorised
300,00,00,000 Equity Shares of Rs. 10 each
10 31,68,12,157 ( 31,53,02,500
10 15,09,657 )
Issued & Subscribed
31,68,12,157 (Previous year 31,53,02,500 & 15,09,657 issued in
Current Year Equity Shares of Rs. 10 each)
31,68,12,157 ( 18,37,50,957
- 31,53,02, 500
10 18,22,41,300 )
Paid Up
31,68,12,157 ( includes 18,37,50,957
Equity Shares held by Central Government Previous year 31,53,02,500 includes
18,22,41,300 held by Central Government
Equity Shares of Rs. 10 each)
/TOTAL
2 -
SCHEDULE 2 RESERVES & SURPLUS
I.
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
Statutory Reserves
Opening Balance
45496691
35733298
Addition during the year
11083740
9763393
56580431
45496691
II.
Capital Reserves
)
a) Revaluation Reserve
Opening Balance
14919857
15137407
212301
217550
( )
Deduction during the year
(being depreciation on revalued portion of property)
Transfer to Other Reserves
0
14707556
14919857
)
b) Others
Opening Balance
10195515
5954333
Addition during the year
120165
4241182
10315680
10195515
/Contd...
120
5 PNB-Balance sheet.p65
120
5/31/2011, 12:18 PM
2 -
SCHEDULE 2 RESERVES & SURPLUS
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
III.
Share Premium
Opening Balance
20114285
20114285
1824904
Addition during the year
Deduction during the year
0
21939189
20114285
IV.
Revenue and other Reserves
)
a) Investment Reserve
Opening Balance
1071089
1071089
:
Add : Transfer from P&L Appropriation A/c
:
Less: Transfer to P&L Appropriation A/c
0
1071089
1071089
-
b) Exchange Fluctuation Reserve
Opening Balance
5674
47785
:
Add: Addition during the year
: ()
Less: Deduction during the year (Net)
5674
42111
0
5674
Opening Balance
3008800
1688800
Transferred from Other Reserves
Addition during the year
1380000
4388800
1320000
3008800
d) Other Reserve
Opening Balance
79264249
65248661
23650494
15704488
1688800
Addition during the year
:
Less : Transfer to Special Reserve I. Tax
:
Add : Transfer from Revaluation Reserves
:
Less: Payment for blocked accounts
38
100
102914705
79264249
211917450
174076160
V. -
Balance in Profit & Loss Account
Total of I, II, III, IV,V
121
5 PNB-Balance sheet.p65
121
5/31/2011, 12:18 PM
3 -
SCHEDULE 3 DEPOSITS
I.
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
Demand Deposits
(i)
From Banks
(ii)
From Others
23640083
17633258
244735858
219538630
II.
Savings Bank Deposits
III.
Term Deposits
268375941
237171888
934874246
781328072
(i)
A
From Banks
(ii)
From Others
120489638
25839354
1805247441
1448958716
1925737079
1474798070
3128987266
2493298030
3072550996
2449663943
56436270
43634087
3128987266
2493298030
(i)
B.
4 -
SCHEDULE 4 - BORROWINGS
I.
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
91000000
29486283
139462
303376
24472298
3554422
Borrowings in India
(i)
Reserve Bank of India
(ii)
Other Banks
(iii)
Other Institutions and Agencies
(iv)
Unsecured Redeemable Bonds
) -I ( )
a) Tier-I Bonds (Perpetual Debt Instruments)
20205000
20205000
66100000
61100000
) -II
b) Upper Tier-II Bonds
) -II
c) Subordinate debts for Tier II Capital
II.
Borrowings outside India
Total of I, II
25598000
25598000
111903000
106903000
88382145
52376579
315896905
192623660
80000000
29486283
I II
Secured Borrowings included in I & II above
122
5 PNB-Balance sheet.p65
122
5/31/2011, 12:18 PM
5 -
SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS
31 03 2011
31 03 2010
As on 31.03.2011
I.
As on 31.03.2010
Bills Payable
II. : ( )
Inter-office adjustments (net)
III.
Interest accrued
IV. ()
Deferred Tax Liability (Net)
V. ( )
Others (including Provisions)
Total of I, II, III, IV, V
20969537
23042683
314422
2255170
4671759
3438181
97326941
74440863
123282659
103176897
6 -
SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
17236650
13305228
220532310
0
169970527
0
237768960
183275755
( )
7 - ,
SCHEDULE 7 BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE
31 03 2010
As on 31.03.2011
As on 31.03.2010
I.
In India
(i)
Balances with Banks
)
a) In Current Accounts
4814624
6245065
)
b) In Other Deposit Accounts
15508177
18156034
20322801
24401099
(ii)
Money at Call and Short Notice
)
a) with Banks
6750000
)
b) with Other Institutions
/TOTAL
II. /Outside India
(i)
6750000
27072801
0
24401099
)
a) In Current Accounts
15304884
1130366
14758696
15563259
)
b) In Other Deposit Accounts
(ii)
Money at Call & Short Notice
/TOTAL
GRAND TOTAL of I, II
2006775
10365164
32070355
59143156
27058789
51459888
123
5 PNB-Balance sheet.p65
123
6/1/2011, 11:49 AM
8 -
SCHEDULE 8 - INVESTMENTS
( '000 / ` '000 Omitted)
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
945584826
773447388
3507075
3332279
942077751
770115109
795017209
659704308
3738616
4921833
22329166
17428933
48628853
30326756
5095793
4856352
67268114
52876927
942077751
770115109
9545724
7129569
9545724
7129569
6969168
4770134
2576556
2359435
9545724
7129569
951623475
777244678
:
Investments in India : Gross
:
Less: Provision for Depreciation
Net Investment in India
(i)
Government Securities
(ii)
Other Approved Securities
(iii)
Shares
(iv)
Debentures and Bonds
(v) /
( )
Subsidiaries and/or joint ventures
(including sponsored institutions)
(vi)
( )
Others
(Various Mutual Funds & Commercial Papers etc.)
TOTAL of I
II
:
Investments Outside India : Gross
:
Less: Provision for depreciation
Net Investments outside India
(i)
Govt. securities including local authorities
(ii) /
Subsidiary and / or Joint ventures abroad
(iii)
Others
TOTAL of II
GRAND TOTAL of I, II
124
5 PNB-Balance sheet.p65
124
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9 -
SCHEDULE 9 - ADVANCES
( '000 / ` '000 Omitted)
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
69399801
44587789
1144910937
822070686
1206755923
999353605
2421066661
1866012080
2011617312
1643527298
109578868
24268921
299870481
198215861
2421066661
1866012080
786370084
666154744
179024286
116292889
. (i)
A.
/Total
. (i) ( )
B.
/Total
. (I)
C.
Advances in India
(i)
Priority Sector
(ii)
Public Sector
(iii)
Banks
(iv)
Others
131506782
10890002
1195131635
1002943051
/Total
2292032787
1796280686
110500665
519756
4483847
2706924
9349099
6886394
4700263
129033874
2421066661
59618320
69731394
1866012080
(II)
Advances outside India
(i)
Due from Banks
(ii)
Due from Others
()
(a) Bills Purchased & Discounted
()
(b) Term Loan
()
(c) Others
/Total
GRAND TOTAL (Total of I & II )
125
5 PNB-Balance sheet.p65
125
5/31/2011, 12:18 PM
10 -
SCHEDULE 10 - FIXED ASSETS
( '000 / ` '000 Omitted)
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
.
A
TANGIBLE ASSETS
Premises
31 /
At cost / valuation as on 31st March of the preceding year
21000800
20678572
4978569
25979369
322228
21000800
0
25979369
0
21000800
2812599
2519358
Addition during the period
Deduction during the period
( )
Depreciation to date
(Including on revalued amount)
23166770
18481442
II ( )
Other Fixed Assets (Including Furniture & Fixtures)
31
At cost as on 31st March of the preceding year
20368097
17908945
3632079
24000176
3057343
20966288
856481
23143695
598191
20368097
Addition during the period
Deduction during the period
Depreciation to date
15696690
14247867
7447005
6120230
III
Leased Assets
31
At cost as on 31st March of the preceding year
252386
252386
252386
252386
0
252386
0
252386
/
Addition/adjustment during the period
Deduction during the period
/
Amortisation / lease adjustment to date
250779
250155
1607
30615382
2231
24603903
INTANGIBLE ASSETS
Computer Software
31
At cost as on 31st March of the preceding year
1756344
1498081
162524
1918868
260166
1758247
51600
1867268
1903
1756344
1426689
1225557
Addition during the period
Deduction during the period
Amortised to date
/Total
GRAND TOTAL (+) (A+B)
440579
31055961
126
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126
5/31/2011, 12:18 PM
530787
25134690
11 -
SCHEDULE 11 - OTHER ASSETS
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
As on 31.03.2011
As on 31.03.2010
Interest accrued
II. /
Tax paid in advance / tax deducted at source
III. -
Stationery and stamps
IV. -
Non-banking assets acquired in
satisfaction of claims
V. ()
Deferred tax asset (net)
VI.
Others
Total of I, II, III, IV, V, VI
21322548
16895377
8701762
15117444
73194
85656
2498
2720
3730284
3971701
48763903
27127783
82594189
63200681
12 -
SCHEDULE 12 CONTINGENT LIABILITIES
( '000 / Rs. '000 Omitted)
I.
(i)
Claims against the Bank not acknowledged as debts
(ii) ,
Disputed income tax and interest tax
demands under appeals, references, etc.
II.
Liability for partly paid investments
III.
Liability on account of outstanding forward exchange contracts
IV.
Guarantees given on behalf of constituents:
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
2550135
2453641
8814313
14808000
115
169
669483255
421184757
206560148
165141891
123704153
75470619
254679884
236889461
3545215
2185817
1269337218
918134355
()
(a) In India
()
(b) Outside India
V. ,
Acceptances, endorsements and other obligations
VI.
Other items for which the Bank is contingently liable
Total of I, II, III, IV, V, VI
127
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127
5/31/2011, 12:18 PM
13 -
SCHEDULE 13 - INTEREST EARNED
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
211045485
166771723
56375478
45560508
842016
1492147
1601821
396571
269864800
214220949
/ /
Interest/discount on advances/bills
II.
Income on Investments
III. :
Interest on balances with Reserve Bank of
India and other Inter-Bank funds
IV.
Others
Total of I, II, III, IV
14 -
SCHEDULE 14 OTHER INCOME
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
20451934
16821637
,
Commission, Exchange and Brokerage
II.
Profit on sale of Investments
3295244
8527808
303524
494315
:
Less: Loss on sale of Investments
III.
2991720
8033493
2159635
3232692
/
Profit on revaluation of Investments
: /
Less: Loss on revaluation of Investments/ Ammortisation
V.
,
Profit on sale of land, buildings and other assets
34176
31250
3657
7090
: ,
Less: Loss on sale of land, buildings and other assets
30519
VI.
24160
-
Profit on exchange transactions
3810662
3388195
23684
11133
: -
Less: Loss on exchange transacations
VII. / /
Income earned by way of dividends etc. from subsidiaries /
companies and / or joint ventures in India & abroad.
VIII.
Miscellaneous Income
Total of I, II, III, IV, V, VI, VII, VIII
3786978
3377062
263422
246374
6441595
4365857
36125803
36101275
128
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128
5/31/2011, 12:18 PM
15 -
SCHEDULE 15 - INTEREST EXPENDED
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
137953826
119656264
2576378
541242
11261237
9242727
151791441
129440233
Interest on Deposits
II. / :
Interest on Reserve Bank of India / inter-bank borrowings
III.
Others
Total of I, II, III
16 -
SCHEDULE 16 - OPERATING EXPENSES
( '000 / ` '000 Omitted)
I.
31 03 2011
31 03 2010
44611020
31211358
3075726
2603934
509608
475573
396764
401064
2770781
2445822
:
Less: Adjusted with Revaluation Reserve
VI. ,
Directors fees, allowances and expenses
VII. -
212301
217550
2558480
2228272
14617
14193
482644
392590
169234
166141
1032711
1010520
846614
771866
2616486
2209101
7328338
6134557
63642242
47619169
( )
Auditors fees and expenses (including
branch auditors fees & expenses)
VIII.
Law Charges
IX. , ,
Postage, Telegrams, Telephones, etc.
X. -
Repairs and Maintenance
XI.
Insurance
XII.
Other expenditure
Total of I to XII
129
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129
6/1/2011, 11:51 AM
-17
SCHEDULE 17
1.
:
() , ,
,
2.
2.
3.
3.1
3.
FIXED ASSETS
3.1
3.2
) ( )
) :
3.2
1.
BASIS OF PREPARATION:
The financial statements have been prepared on the
historical cost basis and conform, in all material aspects,
to Generally Accepted Accounting Principles (GAAP) in
India which encompasses applicable statutory provisions,
regulatory norms prescribed by Reserve Bank of India (RBI),
Accounting Standards (AS) and pronouncements issued by
The Institute of Chartered Accountants of India (ICAI) and
prevailing practices in Banking industry in India.
METHOD OF ACCOUNTING:
The Financial Statements have been prepared on the going
concern basis with accrual concept and in accordance with
the accounting policies and practices consistently followed
unless otherwise stated.
Rate of Depreciation
Nil
Building
- ,
40
-
40
-
2.50%
2.50%
5.00%
5.00%
10.00%
10.00%
20.00%
Mattresses
20.00%
33.33%
33.33%
15.00%
15.00%
15.00%
15.00%
33.33%
33.33%
-
- 5000/-
20.00%
- Up to Rs. 5,000
- Others
20.00%
130
6 PNB-Sche17-18.p65
130
Charged to Revenue
5/31/2011, 12:03 PM
4.
4.1
4.2
4.3
4.4
4.5
5
5.1
5.2
5.3
5.4
5.5
5.6
) 0
-
/
)
/
/
/ :
)
)
, ,
:
) () ,
)
/
/
, 1949
''
'', '' '' '' ''
' '
/
''
''
'' ''
,
/ / , ,
:
) /
4.
ADVANCES
4.1
4.2
4.3
5.
INVESTMENTS
5.1
5.2
5.3
5.4
5.5
5.6
131
6 PNB-Sche17-18.p65
131
6/1/2011, 11:53 AM
) ,
)
5.7
/ ,
:
:
i)
`` ''
/
ii) / /
iii)
iv)
5.7
Held to Maturity
i)
ii)
iii)
iv)
)
I.
()
/
II. /
a)
) /
/
,
( )
b)
Securities guaranteed by
On appropriate yield to
Central / State Government, maturity basis as per
PSU Bonds (not in the
FIMMDA/RBI guidelines
nature of advances)
c)
Treasury Bills
At carrying cost
- (
)
0.1/-
d)
Equity shares
/
-
e)
Preference shares
Govt. Securities
I. Central Govt. Securities
132
6 PNB-Sche17-18.p65
132
5/31/2011, 12:03 PM
At market prices/YTM as
published by Fixed Income
Money Market And
Derivatives Association of
India (FIMMDA)
On appropriate yield to
maturity basis as per
FIMMDA/RBI guidelines.
(
)
/
,
f)
g)
h)
Commercial paper
At carrying cost
i)
Certificate of Deposits
At carrying cost.
j)
k)
l)
Other Investments
5.8
/
(
)
5.9
/
' '
'
'
5.10 : / :
5.11 () -
-
:
-
, (
)
/
Investments are subject to appropriate provisioning/ derecognition of income, in line with the prudential norms of
Reserve Bank of India for NPI classification. The depreciation/
provision in respect of non-performing securities is not set
off against the appreciation in respect of the other performing
securities.
5.9
133
6 PNB-Sche17-18.p65
133
5/31/2011, 12:03 PM
5.12
,
/
6
-
7.
Trading Swaps
Trading swap transactions are marked to market with changes
recorded in the financial statements.
5.12 Foreign currency options
Foreign currency options written by the bank with a backto-back contract with another bank is not marked to market
since there is no market risk.
Premium received is held as a liability and transferred to the
Profit and Loss Account on maturity/cancellation.
6.
) ,
,
()
, , ,
) -
)
/
) -
) / :
(i)
'' ''
''
''
(ii) -
- 11
(iii) - /
- /
- -
:
-22
/
TAXES ON INCOME
Current tax is determined on the amount of tax payable in
respect of taxable income for the year and accordingly
provision for tax is made.
The deferred tax charge or credit is recognized using the tax
rates that have been enacted or substantially enacted by the
Balance Sheet date. In terms of Accounting Standard 22
issued by ICAI, provision for deferred tax liability is made
on the basis of review at each Balance Sheet date and
deferred tax assets are recognized only if there is virtual
certainty of realization of such assets in future. Deferred tax
134
6 PNB-Sche17-18.p65
134
5/31/2011, 12:03 PM
8.
EMPLOYMENT BENEFITS
( )
,
,
PROVIDENT FUND:
GRATUITY:
Gratuity liability is a defined benefit obligation and is
provided for on the basis of an actuarial valuation made
at the end of the financial year. The scheme is funded by
the bank and is managed by a separate trust.
PENSION:
Pension liability is a defined benefit obligation and is
provided for on the basis of an actuarial valuation made
at the end of the financial year. The scheme is funded by
the bank and is managed by a separate trust.
COMPENSATED ABSENCES:
Accumulating compensated absences such as Privilege
Leave (PL) and Sick Leave (including un-availed casual
leave) is provided for based on actuarial valuation.
9.
10.
10.1 / ( 10.4 ) :
10.2
10.3
(i)
(ii)
, (
),
9.
IMPAIRMENT OF ASSETS
Impairment loss, if any, is recognised in accordance with
the accounting standard issued in this regard by ICAI and
impairment loss on any revalued asset is treated as a
revaluation decrease.
10.
REVENUE RECOGNITION
10.1
10.2
10.3
135
6 PNB-Sche17-18.p65
135
5/31/2011, 12:03 PM
10.4
10.5
11
/
, ( )
,, ,
/
11.
10.4
10.5
OTHERS
Interest on unpaid and unclaimed matured term deposits
are accounted for at savings bank rate. Interest differential
on matured term deposit for overdue period is accounted
for as and when such deposits are renewed as per banks
rule.
136
6 PNB-Sche17-18.p65
136
5/31/2011, 12:03 PM
- 18
SCHEDULE 18
1.
i) (%) (-)
ii) - -I
(%) (-)
iii) - -II
(%) (-)
iv) (%) (-)
v) - -I
(%) (-)
vi) - -II
(%) (-)
vii)
%
viii) -II
ix) -II
x) -I
NOTES ON ACCOUNTS
2.
(1)
(i)
(ii)
(iii)
(2)
-
(i) (01.04.2010/01.04.2009 )
(ii) :
(iii) :
/
(iv) 31.03.2011/31.03.2010
31.03.2011
11.76
7.99
(. )
31.03.2010
12.97
1.
4.59
14.16
8.44
9.11
3.98
5.05
500.00
31.03.2011
95513.05
94558.48
954.57
350.71
350.71
0.00
95162.34
94207.77
954.57
333.23
114.88
97.40
350.71
57.80%
ii)
iii)
CRAR- Tier II
capital (%) (Basel-I)
3.77
4.59
iv)
12.42
14.16
v)
CRAR Tier-I
capital (%) (Basel-II)
8.44
9.11
CRAR- Tier-II
capital (%) (Basel-II)
3.98
5.05
58%
57.80%
NIL
NIL
500.00
2000.00
NIL
700.00
x)
2000.00
700.00
(. )
31.03.2010
78057.70
77344.74
712.96
333.23
333.23
0.00
77724.47
77011.52
712.95
2.
11.76
12.97
7.99
8.38
Investments
Items
(Rs in crores)
31.03.2011 31.03.2010
(1)
Value of Investments
(i)
95513.05
78057.70
In India
94558.48
77344.74
Outside India
954.57
712.96
(ii)
350.71
333.23
In India
350.71
333.23
Outside India
In India
Outside India
0.00
0.00
95162.34
77724.47
94207.77
77011.52
954.57
712.95
(2)
(i)
Opening balance as on
01.04.2010/01.04.2009
333.23
375.48
(ii)
114.88
208.31
97.40
250.56
350.71
333.23
375.48
208.31
31.03.2011 31.03.2010
i)
vi)
58%
(Rs. in crores)
Items
8.38
3.77
12.42
Capital
250.56
333.23
137
6 PNB-Sche17-18.p65
137
5/31/2011, 12:03 PM
,
257.57
( 235.86 )
Hong Kong branch of the bank has taken exposure on Credit Linked
Notes, Floating Rate Notes and Fixed Interest bonds etc. These are
acquired under Investment portfolio at foreign offices, which are
governed under Trading Book Policy for PNB Hong Kong. The
bank intends to hold such instruments till its maturity. The aggregate
value of such portfolio as on the date of balance sheet is Rs 257.57
crores (previous year Rs.235.86).
3. -
3.
31.03.2011 31.03.2011
(i)
(ii)
(ii)
(Rs. in crores)
Minimum
outstanding
during the
period ended
31.03.2011
Maximum
outstanding
during the
period ended
31.03.2011
Daily Average
outstanding
during the
period ended
31.03.2011
As on
31.03.2011
150.00
8800.00
1635.75
8000.00
5.03
2026.40
115.81
NIL
400.00
3100.00
52.87
NIL
24.29
24.29
0.07
NIL
Securities sold
under repos
150.00
8800.00
5.03
1635.75
2026.40
115.81
8000.00
(i)
Repo Transactions
(. )
31.03.2011 31.03.2011
(i) Government
Securities
(ii) Corporate Debt
Securities
Securities purchased
under reverse repos
400.00
3100.00
24.29
52.87
24.29
0.07
(i) Government
Securities
4.
4.
(. )
(1)
(2)
(i)
'' ''
''
''
''
''
(Rs. in crores)
S.
No.
Issuer
(1)
(2)
Amount
Extent
of Private
Placement
Extent of
Below
Investment
Grade
Securities
Extent
of
Unrated
Securities
Extent
of
Unlisted
Securities
(3)
(4)
(5)
(6)
(7)
(3)
(4)
(5)
(6)
(7)
2823.02
(1430.35)
419.63
(545.22)
0.00
(0.00)
0.71
(0.00)
11.77
(51.53)
(i)
PSUs
2823.02
(1430.35)
419.63
(545.22)
0.00
(0.00)
0.71
(0.00)
11.77
(51.53)
(ii)
1717.72
(1257.16)
210.98
(711.67)
0.00
(50.68)
0.00
(50.68)
96.54
(76.00)
(ii)
FIs
1717.72
(1257.16)
210.98
(711.67)
0.00
(50.68)
0.00
(50.68)
96.54
(76.00)
(iii)
7475.17
(5894.39)
331.52
(603.53)
0.00
(0.00)
257.57
(265.86)
2.00
(67.00)
(iii)
Banks
7475.17
(5894.39)
331.52
(603.53)
0.00
(0.00)
257.57
(265.86)
2.00
(67.00)
(iv)
1983.54
(1605.55)
313.49
(207.90)
0.00
(0.00)
38.98
(19.39)
360.58
(315.52)
(iv)
Private Corporate
1983.54
(1605.55)
313.49
(207.90)
0.00
(0.00)
38.98
(19.39)
360.58
(315.52)
(v)
1206.50
(954.90)
0.00
(142.88)
0.00
(0.00)
0.00
(0.00)
240.38
(162.88)
(v)
Subsidiaries /
Joint Ventures
1206.50
(954.90)
0.00
(142.88)
0.00
(0.00)
0.00
(0.00)
240.38
(162.88)
(vi)
613.42
(489.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
(vi)
Others*
613.42
(489.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
-257.67
(-204.32)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
(vii)
Provisions held
towards depreciation
-257.67
(-204.32)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
15561.70 1275.62
(11427.54) (2211.20)
0.00
(50.68)
297.26
(335.93)
711.27
(672.93)
15561.70
(11427.54)
1275.62
(2211.20)
0.00
(50.68)
297.26
(335.93)
711.27
(672.93)
(vii)
( )
* - 8
274.95
Total
138
6 PNB-Sche17-18.p65
138
5/31/2011, 12:03 PM
4.
(Rs. in crores)
31.03.2011
31.03.2010
57.28
67.45
0.00
0.00
30.34
10.17
30.34
10.17
31.03.11/31.03.10
26.94
57.28
26.94
57.28
26.94
57.28
26.94
57.28
(01.04.2010/01.04.2009 )
5.
5. / - ()
2010-11
i.
ii.
iii. -
iv. -
v. -
Particulars
750.00
5.
0.08
(-)19.42
0.00
Derivatives
3674.86
Items
125.00
171.32
0.48
5.05
(Rs. in crores)
2009-10
2010-11
Hedge
Swaps
Trading
Swaps
Hedge
Swaps
Trading
Swaps
1678.24
750.00
3674.86
125.00
62.42
0.08
171.32
0.48
NIL
NIL
NIL
NIL
iv Concentration of
credit risk arising
from the Swaps
NIL
NIL
NIL
NIL
2.87
(-)19.42
5.05
0.24
2.87
67.45
0.00
(. )
2009-10
ii
62.42
31.03.2010
57.28
i.
1678.24
31.03.2011
0.24
:
: -II , ,
: - : -
Nature & Terms of the swaps including information on credit and market risk:
Hedge Swaps: Interest rate swaps for hedging Tier-II Bonds, Deposits, Floating rate
loans & back-to-back swaps.
Trading Swaps: Interest rate swaps market risk: Nil
5.
(i)
2010 - 2011
()
) -
(ii)
31 , 2011
()
(iii)
'' '' ()
(iv)
(--) '' '' ()
(Rs. in crores)
S. No. Particulars
(i)
(ii)
NIL
(iii)
NIL
(iv)
NIL
3.00
5.
I
1.
Amount
3.00
Qualitative Disclosure
1. The bank uses derivatives products for hedging its own
balance sheet items as well as trading purposes. The riskmanagement of derivative operation is headed by a senior
executive, who reports to the top management,
independent of the line functions. Trading positions are
marked to market on daily basis.
139
6 PNB-Sche17-18.p65
139
5/31/2011, 12:03 PM
II
2. -
2.
3.
3.
4.
4.
5.
,
, ,
5.
(. )
-
31.03.2011 31.03.2011 31.03.2010 31.03.2010
( )
1678.24
2071.24
3674.86
750.00
125.00
(1)
) (+)
(+) 4.88
31.03.2010
1111.88
1678.24
2071.24
3674.86
750.00
125.00
Hedging
(+) 4.88
b) Liability (-)
(-)19.42
(+) 0.24
93.49
229.87
) (+)
) (-)
(+)2.74
Trading
a) Asset (+)
116.03
(-)19.42
(+) 0.24
93.49
229.87
b) Liability (-)
256.30
116.03
256.30
)
)
-0.95
0.00
-0.95
0.00
-27.96
-1.00
-27.96
-1.00
(-)0.95
0.00
(-)0.95
0.00
100* 01
)
(-)0.02
0.00
(-)27.96
-0.01
(-)6.00
-1.00
( )
6.
6.
6.
i)
31.03.2010
- 1%
(100* 01)
31.03.2011
) (-)
31.03.2011
a) Asset (+)
(2)
- (+) 17.36
(Rs. in crores)
Currency Interest Rate
Derivatives Derivatives
1111.88
()
Quantitative Disclosure
S. No. Particulars
()
( )
2
II
31.03.2011
(%)
0.85%
(. )
31.03.2010
0.53%
ii) () -
(01.04.2010/2009 )
2506.90
(-)0.02
--
0.00
(-)27.96
-0.01
(-)6.00
-1.00
Asset Quality
ii)
(Rs. in crores)
31.03.2011
31.03.2010
0.85%
0.53%
3021.46
3214.41
2506.90
4336.70
2838.14
4336.70
2838.14
3171.72
2130.63
3171.72
2130.63
31.03.2011/31.03.2010
4379.39
3214.41
Closing balance
as on 31.03.2011/31.03.2010
4379.39
3214.41
iii) -
(01.04.2010/2009 )
981.69
263.86
2721.53
2203.21
140
6 PNB-Sche17-18.p65
140
6/1/2011, 11:56 AM
981.69
263.86
2721.53
2203.21
1664.59
1485.38
31.03.2011/31.03.2010
2038.63
981.69
iv) -
( )
1664.59
1485.38
Closing balance
as on 31.03.2011/31.03.2010
2038.63
981.69
2180.05
2215.41
(01.04.2010/2009 )
2180.05
2215.41
()
904.11
722.06
904.11
722.06
787.41
757.42
787.41
757.42
2296.75
2180.05
2296.75
2180.05
73.21%
81.17%
73.21%
81.17%
31.03.2011/31.03.2010
v)
6. :
v)
( )
220
562
389.91
452.11
2347.69
49.94
2.39
64.48
15
0.00
7.02
1.12
( )
0.00
0.06
0.06
( )
( )*
20.23
0.00
0.00
1.12
0.00
0.00
224
577
410.14
459.13
2348.81
51.06
2.45
64.54
(Rs. in crores)
CDR SME Debt
MechRestruanism* cturing*
Standard advances
restructured
No. of Borrowers
Amount outstanding
Sacrifice (diminution in the fair value)
Sub standard
advances
restructured
No. of Borrowers
220
562
389.91
452.11
2347.69
49.94
2.39
64.48
15
Amount outstanding
0.00
7.02
1.12
0.00
0.06
0.06
Doubtful advances
restructured
No. of Borrowers
Amount outstanding
Sacrifice (diminution in the fair value)
TOTAL
Others*
(nonCDR)
No. of Borrowers
Amount outstanding
Sacrifice (diminution in the fair value)*
20.23
0.00
0.00
1.12
0.00
0.00
224
577
410.14
459.13
2348.81
51.06
2.45
64.54
* ( ) ( ) : 1
5% 1
6. : / :
i.
31.03.2011
(. )
31.03.2010
3
ii. /
( )
1.05
5.01
iii.
3.95
5.74
iv.
6.52
6.30
v. /
2.90
0.73
6. /
.
1.
2.
31.03.2011
No. of Accounts
ii.
31.03.2010
1.05
5.01
3.95
5.74
iv.
6.52
6.30
v.
2.90
0.73
(. )
31.03.2010
()
() :
i.
31.03.2011
()
()
(Rs. in crores)
Items
(Rs. in crores)
Particulars
1
31.03.2011
31.03.2010
NIL
NIL
NIL
NIL
NIL
NIL
NIL
NIL
141
6 PNB-Sche17-18.p65
141
6/1/2011, 11:59 AM
. / /
(. )
1.
(Rs. in crores)
31.03.2011
31.03.2010
Particulars
31.03.2011
31.03.2010
NIL
NIL
2.
Aggregate outstanding
NIL
NIL
3.
NIL
NIL
6.
31.03.2011
31.03.2010
259.20
59.28
( 5 ''
'' )
Items
31.03.2011
31.03.2010
259.20
59.28
957.64
698.44
957.64
698.44
31.03.2011
31.03.2010
31.03.2011
31.03.2010
8.11%
7.87%
i.
8.11%
7.87%
7.
7.
i.
(Rs. in crores)
Business Ratios
Items
ii.
1.09%
1.33%
ii.
1.09%
1.33%
iii.
2.72%
2.69%
iii.
2.72%
2.69%
iv.
1.34%
1.44%
iv.
Return on Assets
1.34%
1.44%
1017.80
807.95
v.
1017.80
807.95
8.35
7.31
vi.
8.35
7.31
v. ( )( )
vi. ( )
8.
8. - *
(. )
2 7
4466.63
15 28
29 3
9918.47
6
6
1
1
3
3
0.00
0.00
357.75
1152.23
Next day
(3773.76)
(00.00)
(295.69)
(341.61)
(216.50)
11426.13
4940.21
99.89
8013.95
322.61
1075.30
4585.12
(3767.69)
4864.84
(469.63)
262.34
(3231.42)
0.00
(144.76)
478.74
275.27
(2983.13)
(242.01)
(132.39)
(293.86)
(867.07)
8583.24
6726.54
668.97
0.00
1471.68
1194.05
(5815.93)
(4205.28)
(1354.63)
(382.75)
(328.39)
36519.00
11127.40
7617.13
2604.25
4026.77
5182.24
(1920.97)
(1973.75)
(3765.37)
(3941.94)
10665.43
13277.89
1541.26
31700.45
2518.16
10302.92
6456.26
3971.17
(5076.07)
(1909.43)
1405.27
4467.88
2877.55
(483.97)
(2661.82)
(1860.66)
4576.18
2465.73
2340.36
(1204.54)
(1189.68)
(1087.79)
957.87
541.08
513.15
(843.05)
(462.33)
(493.43)
71442.61
10178.14
747.56
442.93
26498.62
14558.75
3854.03
2768.74
57943.63
(841.15)
(300.30)
312898.73 242106.67
21336.06
19024.25
95513.05
31589.69
2 days-7days
8-14 days
15-28 days
Foreign
Foreign
(gross)
Currency
Currency
Assets
Liabilities
4466.63
9918.47
0.00
0.00
357.75
1152.23
(3505.81)
(3773.76)
(00.00)
(295.69)
(341.61)
(216.50)
11426.13
4940.21
99.89
8013.95
322.61
1075.30
(6439.82)
(3767.69)
(469.63)
(3231.42)
(144.76)
(520.97)
4585.12
4864.84
262.34
0.00
478.74
275.27
(5222.54)
(2983.13)
(242.01)
(132.39)
(293.86)
(867.07)
8583.24
6726.54
668.97
0.00
1471.68
1194.05
(5815.93)
(4205.28)
(1354.63)
(382.75)
(328.39)
(635.17)
29 days
36519.00
11127.40
7617.13
2604.25
4026.77
5182.24
to 3 months
(21104.07) (7609.84)
(1920.97)
(1973.75)
(3765.37)
(3941.94)
Over 3 Months to
10665.43
1541.26
3854.03
6456.26
3971.17
6 months
(1024.68)
(5076.07)
(1909.43)
(635.17)
(1024.68)
Deposits
Pattern
(520.97)
(5222.54)
(21104.07) (7609.84)
3
()
(3505.81)
(6439.82)
8 14
Maturity
13277.89
Over 6 Months
38411.28
2518.16
1405.27
4467.88
2877.55
to 1 year
31700.45
(483.97)
(2661.82)
(1860.66)
Over 1Year
4576.18
2465.73
2340.36
to 3 Years
(103225.83) (84440.35)
(1204.54)
(1189.68)
(1087.79)
Over 3 Years
2768.74
23555.58
14558.75
957.87
541.08
513.15
to 5 Years
(1893.93)
(22238.30) (10708.30)
(843.05)
(462.33)
(493.43)
71442.61
26498.62
Over 5 Years
Total
57943.63
10178.14
747.56
442.93
(9690.13)
(841.15)
(300.30)
312898.73 242106.67
31589.69
21336.06
19024.25
142
6 PNB-Sche17-18.p65
142
95513.05
*
( )
(9148.75)
5/31/2011, 12:03 PM
9.
9.
9.
Exposures:
31.03.2011
(Rs. in crores)
31.03.2010
()
Category
31.03.2011
31.03.2010
21972.26
12665.74
16243.11
15257.55
(a) Residential
2.71
37.68
0.00
0.00
i. :
,
,
:
(31.03.2011 20
11324.16
31.03.2010 20
9263.42
)
ii. -
( ,
, -
, ,
, ,
)
i.
21972.26
16243.11
12665.74
15257.55
iii. ( )
()
2.71
37.68
()
0.00
0.00
()
( )
( )
31.03.2011 372.12
31.03.2010 264.39
Residential Mortgages
Lending fully secured by mortgages on
residential property that is or will be
occupied by the borrower or that is
rented includes (individual housing
loans Rs 11324.16 crore as on
31.03.2011 upto Rs.20 lakh and
Rs. 9263.42 crore as on 31.03.2010
upto Rs20 lakh)
4469.69
2756.39
42687.77
30717.36
4469.69
2756.39
42687.77
30717.36
9.
(. )
1.
31.03.2011
, ,
2.
(/ )
,
/ -/
3.
4.
,
/
1862.86
6.13
69.92
(Rs. in crores)
Particulars
31.03.2010
31.03.2011
31.03.2010
1.
1862.86
1544.27
2.
6.13
9.01
3.
69.92
119.80
4.
1544.27
9.01
119.80
/Contd...
143
6 PNB-Sche17-18.p65
143
5/31/2011, 12:03 PM
862.80
6.
//
7.
8.
40.00
9.
862.80
912.60
5.
392.47
310.54
6.
Nil
Nil
7.
Nil
Nil
8.
NIL
40.00
9.
Nil
Nil
912.60
5.
10. (
)
392.47
310.54
610.68
642.89
3804.86
3579.11
9.
31.03.2011 1% , :
: : . 21/ 21.04.048/
2010-11 01.07.2010
9.
01.04.2010 31.03.2011
9.
610.68
642.89
3804.86
3579.11
(. )
31.03.2011
(Rs. in crores)
31.03.2010
1.
, ,
'' '' 9
2033.32
3260.61
2.
1778.53
3942.92
10.
Particulars
31.03.2011 31.03.2010
1.
2033.32
3260.61
2.
1778.53
3942.92
10. Amount of provision made for income tax during the year
(. )
31.03.2011
31.03.2010
2145.50
2003.33
-44.69
105.85
24.14
(-) 112.61
0.00
0.68
11. :
(Rs. in crores)
144
31.03.2010
2145.50
2003.33
-44.69
105.85
24.14
(-) 112.61
0.00
0.68
144
6 PNB-Sche17-18.p65
31.03.2011
6/1/2011, 12:00 PM
12. -5
-5 /
13. -6 :
(. )
31.03.2011
31.03.2010
8.08
7.66
227.58
195.88
0.06
0.20
20.13
19.09
255.85
222.83
(Rs. in crores)
Class of assets
31.03.2011
31.03.2010
8.08
7.66
227.58
195.88
Premises
Other fixed assets
Leased assets
Computer software
Total
0.06
0.20
20.13
19.09
255.85
222.83
14. 9:
10 (4)
,
15. 11 :
-
1 2010
01.04.10 31.03.11
31.03.2011
(Rs. in crores)
Particulars
0.57
0.30
0.30
3.53
3.53
(-)2.66
Amount
Balance as at 31.03.2011
0.57
(-)2.66
- -
,
, 01.04.2010
87.40
1/5 43.80
31.03.2011
43.60
TRANSITIONAL LIABILITY
:
33982
During the year, the Bank reopened the pension option for
such of its employees who had not opted for the pension
scheme earlier. As a result of exercise of which by 33982
145
6 PNB-Sche17-18.p65
145
5/31/2011, 12:03 PM
2757.65
1972
566.00
15, 3323.65
( 2757.65 + 566.00
, "
:
- " 9 ,
2011 ...80/21.04. 018/2010-11
664.73 3323.65
2658.92
( 3323.65 - 664.73 ) /
5 ""
11 ""
15
2658.92
- 15 ()
- 15 ()
- :
Had such a circular not been issued by the RBI the profit of
the bank would have been lower by Rs 2658.92 crores
pursuant to application of the requirements of AS 15.
I.
I.
(
)
(%)
()
()
( )
(in %)
Particulars
7.87%
8.45%
7.87%
8.17%
7.87%
8.17%
8.56%
8.56%
8.59%
8.59%
0.00%
0.00%
6.50%
5.00%
6.50%
5.00%
6.50%
5.00%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
Gratuity
Leave
(Funded)
(Funded)
Encashment
(Unfunded)
Pension
7.87%
8.45%
7.87%
8.17%
7.87%
8.17%
on plan assets
8.56%
8.56%
8.59%
8.59%
0.00%
0.00%
6.50%
5.00%
6.50%
5.00%
6.50%
5.00%
Attrition rate
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
Method used
146
6 PNB-Sche17-18.p65
146
6/2/2011, 10:25 AM
II. ,
II.
(. )
()
()
-
-
-
-
/ ()
31.03.2011
4715.00
356.59
601.96
2206.12
551.53
0
2811.35
(368.07)
(283.76)
10590.72
1515.00
112.26
90.02
452.80
113.20
0
-(177.13)
292.59
2398.74
( )
915.00
68.62
38.32
0
0
0
(86.06)
96.12
1032.00
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
4715.00
1515.00
915.00
Interest Cost
356.59
112.26
68.62
601.96
90.02
38.32
2206.12
452.80
551.53
113.20
2811.35
--
Benefits paid
(368.07)
(177.13)
(283.76)
292.59
96.12
10590.72
2398.74
1032.00
(86.06)
III. - -
(. )
(Rs. in crores)
()
,
/()
31 , 2011
4755.00
544.31
3575.48
(368.07)
(57.12)
8449.60
()
1682.00
149.33
290.00
(177.13)
1.74
1945.94
( )
0
0
86.06
(86.06)
0
0
IV.
Particulars
Pension
(Funded)
Gratuity
(Funded)
(Unfunded)
Fair Value of Plan Assets as at the
beginning of the period
4755.00
1682.00
544.31
149.33
3575.48
290.00
86.06
Benefits paid
(368.07)
(177.13)
(86.06)
(57.12)
1.74
8449.60
1945.94
IV.
(. )
()
()
( )
544.31
149.33
()
(57.12)
1.74
487.19
151.07
V. /
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
544.31
149.33
(57.12)
1.74
487.19
151.07
V.
(. )
/ ()
/ ()
() /
() /
()/
()
()
283.76
(292.59)
( )
(96.12)
(57.12)
(226.64)
1.74
290.85
0
96.12
(226.64)
290.85
96.12
Leave
Encashment
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
283.76
(292.59)
(96.12)
(57.12)
1.74
(226.64)
290.85
96.12
(226.64)
290.85
96.12
...../Contd.....
147
6 PNB-Sche17-18.p65
147
6/2/2011, 10:24 AM
VI. - :
()
()
( )
(Rs. in crores)
Particulars
Pension
(Funded)
10590.72
2398.74
1032.00
8449.60
1945.94
2141.12
452.80
1032.00
(2206.12)
(452.80)
15
55
(65.00)
1032.00
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
1032.00
10590.72
2398.74
8449.60
1945.94
Difference
2141.12
452.80
1032.00
(2206.12)
(452.80)
(65.00)
1032.00
15
() 59 ()
15 ()
59
VII.
(Rs. in crores)
(. )
()
( )
601.96
90.02
38.32
356.59
112.26
68.62
Interest cost
(544.31)
(149.33)
2811.35
-
()/
Particulars
()
551.53
(226.64)
290.85
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
601.96
90.02
38.32
356.59
112.26
68.62
(544.31)
(149.33)
2811.35
551.53
(226.64)
96.12
290.85
96.12
113.20
113.20
(2231.97)
1318.51
457.00
203.06
(2231.97)
1318.51
457.00
203.06
148
6 PNB-Sche17-18.p65
148
6/2/2011, 10:24 AM
VIII.- -
()
()
(40.00)
(167.00)
3550.48
(3575.48)
(65.00)
457.00
(290.00)
(0.00)
( )
915.00
203.06
(86.06)
1032.00
IX.
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
(40.00)
(167.00)
915.00
203.06
3550.48
457.00
(3575.48)
(290.00)
(86.06)
(65.00)
(0.00)
1032.00
()
()
( )
10590.72
2398.74
1032.00
8449.60
1945.94
()
(2141.12)
(452.80)
(1032.00)
-()/
(240.52)
(406.85)
-()/
(57.12)
1.74
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
10590.72
2398.74
1032.00
8449.60
1945.94
Plan Assets
(2141.12)
(452.80)
(1032.00)
(168.36)
(240.52)
(406.85)
(168.36)
(57.12)
1.74
Pension
(Funded)
Gratuity
(Funded)
X.
( )
Surplus (Deficit)
X.
(%)
()
()
(in %)
Particulars
24.16%
23.15%
24.16%
23.15%
18.08%
24.72%
18.08%
24.72%
39.95%
44.95%
39.95%
44.95%
0.12%
0.01%
0.12%
0.01%
0.00%
0.00%
Property
0.00%
0.00%
6.76%
0.00%
6.76%
0.00%
2.91%
7.13%
2.91%
7.13%
8.02%
0.04%
Other investments
8.02%
0.04%
100.00%
100.00%
100.00%
100.00%
XI.
Total
()
()
1000.00
200.00
XII. ( )
(Rs. in crores)
Particulars
Pension
(Funded)
Gratuity
(Funded)
1000.00
200.00
( )
( )
( )
(Rs. in crores)
Particulars
LFC
(unfunded)
Silver Jubilee
Bonus
(unfunded)
Sick Leave
including
casual Leave
(SL) (unfunded)
105.00
12.00
182.00
105.00
12.00
182.00
36.00
3.60
48.00
Transitional Liability
36.00
3.60
48.00
18.00
1.80
24.00
18.00
1.80
24.00
18.00
1.80
24.00
18.00
1.80
24.00
87.00
10.20
158.00
87.00
10.20
158.00
149
6 PNB-Sche17-18.p65
149
6/1/2011, 12:04 PM
XIII.
Particulars
Basis of assumption
15 78
-
Discount rate
Expected rate
of return on
plan assets
Rate of
escalation in
salary
Attrition rate
17. 31 , 2011 /
:
( )
i.
ii.
iii.
iv.
v.
vi.
vii.
31.03.11
31.03.10
(
(
-)
-)
)
) /
)
)
)
) /
)
)
i.
638209
1395672
951006
75019
3059906
587825
1012234
818443
84720
2503222
68096
529590
360861
28466
987013
81444
905569
213023
443350
77520
386974
312888
32400
809782
77154
732628
199943
390536
Year Ended
31.03.11
31.03.10
(Audited)
(Audited)
Segment Revenue
a)
Treasury
b)
Corporate/Wholesale Banking
c)
Retail Banking
d)
ii.
587825
1012234
951006
818443
75019
84720
3059906
2503222
Segment Results
a)
Treasury
68096
77520
b)
Corporate/Wholesale Banking
529590
386974
c)
Retail Banking
360861
312888
d)
28466
32400
987013
809782
81444
77154
iv.
Operating Profit
905569
732628
v.
213023
199943
443350
390536
Other Information:
:
viii.
)
) /
)
)
)
ix.
)
) /
)
)
)
9707049
18593732
8607689
592560
37501030
331494
37832524
7945439
13864693
6611931
889648
29311711
351567
29663278
9214872
17650973
8171253
562516
35599614
82054
35681668
7548285
13171664
6281432
845179
27846560
44426
27890986
a)
Treasury
b)
Corporate/Wholesale Banking
c)
Retail Banking
d)
e)
Unallocated Assets
Total Assets
9707049
7945439
18593732
13864693
8607689
6611931
592560
889648
37501030
29311711
331494
351567
37832524
29663278
Treasury
b)
Corporate/Wholesale Banking
c)
Retail Banking
d)
e)
Unallocated Liabilities
Total Liabilities
150
6 PNB-Sche17-18.p65
638209
1395672
150
5/31/2011, 12:03 PM
9214872
7548285
17650973
13171664
8171253
6281432
562516
845179
35599614
27846560
82054
44426
35681668
27890986
:
1.
2.
10% , :
Note:
1.
Segment Liabilities are distributed in the ratio of their respective Segment Assets.
2.
As the operations outside India are less than the threshold limit of 10%, secondary
segment information has not been required to be furnished.
18. - 18
:
1. ,
2. . ,
3. ,
(1.1.2011 )
4. ,
(31.12.2010 )
:
(i)
(ii)
(iii) () , ..
(iv)
(v)
(vi) ..
(vii) .
(viii)
Subsidiaries
i) PNB Gilts Ltd.
ii) PNB Housing Finance Ltd.
iii) Punjab National Bank (International) Ltd., UK
iv) PNB Investment Services Ltd
v) Druk PNB Bank Ltd.
vi) PNB Principal Insurance Broking Pvt. Ltd.
vii) Principal PNB Life Insurance Company Ltd
viii) JSC Dana Bank
(i) .
(ii) ..
(iii) ..
(iv) .
(v) ..
(vi) ,
(vii) ,
(viii) ,
(ix) ,
(x) ,
(xi) ,
Associates:
i) Everest Bank Limited
ii) Principal PNB Asset Management Company Pvt. Ltd.
iii) Principal Trustee Company Private Limited
iv) Assets Care & Reconstructions Enterprises Ltd.
v) India Factoring & Finance Solutions Pvt. Ltd.
vi) Madhya Bihar Gramin Bank, Patna
vii) Haryana Gramin Bank, Rohtak
viii) Himachal Gramin Bank, Mandi
ix) Punjab Gramin Bank, Kapurthala
x) Rajasthan Gramin Bank, Alwar
xi) Sarva UP Gramin Bank, Meerut
2010-11
6.11
(4400.31)
0.00
12770.62
(3256.71)
7907.00
(29837.52)
2010-11 2010-11
59.42
(46.28)
7639.98
19.12
36.93
0.41
0.75
(9213.32) (11.97) (16.67)
(0.07) (0.22)
2428.94
13752.76
0.00
0.46
0.00
0.00
(3256.71)
(0.00)
(0.00)
(0.35) (0.35)
( )
(Rs. in lacs)
Items/Related Party
Associates
Key Management
Relatives of Key
Personnel
Management
Personnel
2010-11
Remuneration
Maximum
amount
outstanding
outstanding
Deposits
Placement of Deposits
Advances
Maximum
amount
-
Borrowings
2010-11
59.42
NA
(46.28)
NA
2010-11
Maximum
amount
outstanding
6.11
7639.98
19.12
36.93
0.41
0.75
(4400.31)
(9213.32)
(11.97)
(16.67)
(0.07)
(0.22)
0.00
2428.94
12770.62
13752.76
0.00
0.46
0.00
0.00
(3256.71)
(3256.71)
(0.00)
(0.00)
(0.35)
(0.35)
7907.00
NA
(29837.52)
(NA)
151
6 PNB-Sche17-18.p65
151
6/2/2011, 10:30 AM
0.00
(778.80)
0.00
(0.00)
193.10
(0.30)
523.02
(100.42)
0.46
(0.00)
25.00
(25.00)
313.20
(1076.74)
0.00
(778.80)
0.00
(0.00)
( )
( )
( )
( )
Investments in debentures
0.45
(0.52) ( )
0.02
(0.00) ( )
0.00
0.00
(0.00)
Interest paid
Interest received
(48.81)
0.00
0.00
(778.80)
(778.80)
0.00
0.00
(0.00)
(0.00)
193.10
NA
0.45
NA
0.02
NA
(0.30)
NA
(0.52)
NA
(0.00)
(NA)
523.02
NA
NA
0.00
0.00
(100.42)
(NA)
NA
(0.00)
NA
NA
Receiving of Services
Rendering of services
Management contracts
Dividend received
0.46
NA
(0.00)
(NA)
25.00
NA
(25.00)
(NA)
313.20
NA
(1063.74)
(NA)
*
( )
- 18 " " 9
19. , -19
:
)
( ) /
41.65
31.03.2011
34.60 31.03.2011 7.05 0
) :
7.05
5.49
1.56
) 5
:
) 5 :
) - /*( )
)
(0 )
)
)
c.
Minimum Lease Payment due later than one year but not
later than five years:
Min. Lease Payment
Present value of Min. Lease Payment
Interest included in Min. Lease payment
-
d.
e.
31.03.2011
31.03.2010
140.60
123.86
44334953
39053575
10/
10/
315319044
315302500
Item
A
152
6 PNB-Sche17-18.p65
152
than
Rs.
Rs.
Rs
one year:
7.05 lakhs
5.49 lakhs
1.56 lakhs
20. 20 : ()
b.
5/31/2011, 12:03 PM
31.03.2011
31.03.2010
140.60
123.86
44334953
39053575
Rs. 10/each
Rs. 10/each
315319044
315302500
21. -22 :
7
:
(. )
31.03.2011
31.03.2010
(Rs. in crores)
Particulars
As on
31.03.2011
As on
31.03.2010
400.50
323.01
400.50
323.01
0.00
0.00
0.00
0.00
43
1.41
5.85
1.41
5.85
0.00
93.47
401.91
422.33
0.00
93.47
401.91
422.33
25.16
28.88
25.16
28.88
28.88
25.16
Total
28.88
25.16
373.03
397.17
373.03
397.17
()
24.14
The deferred tax assets Rs. 24.14 crores is credited to Profit and Loss Account.
22. 28 :
28 " "
( )
31 2011
5
23. 29 : , :
i) -*
(. )
1 , 2010
Particulars
900.00
18.88
Salary arrears
under
negotiation
Legal cases/
contingencies
900.00
18.88
NIL
9.09
9.09
779.22
779.22
NIL
120.00
0.14
120.00
0.14
0.78
27.83
31 2011
/
Balance as at 31.03.2011
Timing of outflow/uncertainties
0.78
27.83
On actual
payment
Outflow on
settlement /
crystallization
ii) - 12 :
(I),(II), (III), (IV), (V) (VI) /
/ , ,
, ,
:
ii)
153
6 PNB-Sche17-18.p65
153
5/31/2011, 12:03 PM
24. ``
'' :
(. )
31.03.2011
31.03.2010
()
147.45
68.44
()
2003.74
999.43
(
)
( )
:
70.51
0.00
-5.15
59.28
2130.23
1999.43
81.58
299.50
68.44
2003.74
999.43
0.00
-5.15
259.20
59.28
2130.23
1999.43
81.58
299.50
4622.20
3420.93
230.74
31.03.2010
147.45
259.20
31.03.2011 31.03.2010
Standard Restructured/
31.03.2011
31.03.2011 31.03.2010
:/
(Rs. in crores)
Item
70.51
230.74
Sale to SC/RC
5.55
0.73
5.52
68.03
Others/ Derivatives
0.73
73.86
5.52
68.03
4622.20
3420.93
25. :
Total
31.03.2011
31.03.2010
1075.36
1080.51
( )
5.15
1075.36
1075.36
01.04.2010/01.04.2009
31.03.2011/31.03.2010
26. :
(Rs. in crores)
Particulars
31.03.2011
31.03.2010
1075.36
1080.51
NIL
NIL
NIL
5.15
1075.36
1075.36
(Rs. in lacs)
Sr.
No.
Reserves
Amount
drawn
Purpose
1.
0.06
31.03.1999 :
1.
Other
reserves
0.06
2.
2123.01
2.
Revaluation
reserves
2123.01
Depreciation on revalued
portion of property.
3.
0.28
3.
Other reserves
0.28
27.
: #
.
()
227
Customer Complaints
227
()
51100
51100
()
50991
50991
() , 2011
336
.
()
336
()
13
(b) No. of Awards passed by the banking Ombudsman during the year
13
()
12
12
() , 2011
154
6 PNB-Sche17-18.p65
154
5/31/2011, 12:03 PM
28. ()
.. ()
() ,
, 31 , 2011
29. :
(. )
31.03.2011
31.03.2011
31.03.2010
6.77
2.20
6.43
2.87
13.20
5.07
31.03.2011/31.03.2010
/
(i)
(ii)
(Rs. in crores)
31.03.2010
6.77
6.43
13.20
2.20
2.87
5.07
(i)
TOTAL
30. , , :
()
(a)
(. )
20
20 %
31.03.2011
15423.76
4.93%
()
8.65%
(. )
20
20
%
31.03.2011
44887.26
18.45%
()
31.03.2010
38145.62
20.32%
(. )
20 /
20
/
%
)
31.03.2010
21571.00
31.03.2011
45826.84
17.65%
31.03.2011
751.87
31.03.2010
38324.44
19.18%
(. )
31.03.2010
351.88
II.
Concentration of Deposits:
31.03.2010
15423.76
21571.00
4.93%
8.65%
Concentration of Advances:
(Rs. in crores)
31.03.2011
(Rs. in crores)
31.03.2011
31.03.2010
44887.26
38145.62
18.45%
20.32%
Concentration of Exposures::
(Rs. in crores)
31.03.2011
31.03.2010
45826.84
38324.44
17.65%
19.18%
(Rs. in crores)
31.03.2011
31.03.2010
751.87
351.88
S. Sector
No.
Percentage of NPAs to
Total Advances in that
sector
31.03.2011 31.03.2010
31.03.2011 31.03.2010
1.
3.62%
3.65%
1.
3.62%
2.
( , )
1.70%
0.92%
2.
1.70%
0.92%
3.
1.44%
1.93%
3.
Services
1.44%
1.93%
4.
1.90%
2.18%
4.
Personal Loans
1.90%
2.18%
3.65%
155
6 PNB-Sche17-18.p65
155
5/31/2011, 12:03 PM
III. -
31.03.2011
31.03.2010
(Rs. in crores)
Particulars
31.03.2011
31.03.2010
2506.90
01.04.2010/ 01.04.2009 ( )
3214.41
2506.90
3214.41
( )
4336.70
2838.14
4336.70
2838.14
()
7551.11
5345.04
Sub-total (A)
7551.11
5345.04
409.96
327.67
(i) Upgradations
409.96
327.67
Less:
(i)
(ii) (
)
1170.01
950.38
1170.01
950.38
(iii)
1591.75
852.58
(iii) Write-offs
1591.75
852.58
()
3171.72
2130.63
Sub-total (B)
3171.72
2130.63
4379.39
3214.41
4379.39
3214.41
31.03.2011/ 31.03.2010
( ) (-)
IV. ,
(Rs. in crores)
31.03.2011
31.03.2010
Particulars
31.03.2011
31.03.2010
16673.62
10160.90
Total Assets
16673.62
10160.90
8.15
8.20
Total NPAs
965.72
515.72
V. - (
)
Total Revenue
V.
8.15
8.20
965.72
515.72
Domestic
Overseas
NIL
NIL
31.
--
-
-
-
31.03.2011
:
31.03.2011
28707118
31.03.2011
(. )
143.54
32. 14 , 2010
..15/11.01.01.()/ 2010-11
:
28707118
156
143.54
Amount
NIL
NIL
156
6 PNB-Sche17-18.p65
6/2/2011, 10:34 AM
33.
) 31.03.2005
5 :
0
70.95 ( )
5 " - "
a)
:
0.078
0.059
0.019
) 10.98 ( ) { 11.35
} ( 15.89 ) ( 15.89 )
86.09 ( 95.85
)
b)
) 881.43 ( 1480.80 )
881.43 (
1388.24 )
c)
)
2009 VII
15,09,657 10/-
1208.82
184.00
57.80 58.00
d)
) 10/- 22/
( 220 )
32. : /
/
157
6 PNB-Sche17-18.p65
157
6/2/2011, 10:34 AM
31 , 2011 - -
Cash Flow Statement Annexed to the Balance Sheet for the year ended 31st March 2011
( Rs. 000)
2010-11
( Rs. 000)
2009-10
44,334,953
39,053,575
21,302,252
19,994,262
65,637,205
59,047,837
2,770,781
2,445,822
-212,301
-217,550
20,037,527
9,942,779
3,297,050
2,900,203
-140,226
645,391
1,719,652
684,401
-263,422
-246,374
9,871,564
8,644,986
( ii )
-30,519
37,050,106
-24,160
24,775,498
( i+ii)
102,687,311
83,823,335
-172,115,117
-142,215,229
-575,092,108
-328,976,452
-26,357,406
-8,880,047
635,689,236
395,693,063
118,273,245
41,977,027
12,016,657
-7,585,493
1,731,438
-40,670,200
1 2010 31 2011
For the period from 1st April 2010 to 31st March 2011
A.
(i)
Net Profit after Tax
: ( )
Add: Provision for Tax (net of deferred tax)
Profit before taxes
( i)
(ii) :
Adjustment for :
()
Depreciation Charges (Gross)
:
Less : Amount drawn from Revaluation Reserve
,
Provision for NPAs, Floating Provision towards NPAs & Bad Debts Write Off
:
Provision on Standard Assets & Standard Restructured Accounts
( )
Other Provisions (net)
( ) / (), ,
Depreciation/ (Release), Write off, Provision on Investments (net)
/ ( )
Dividend from Subsidiary / Others (Investing Activity)
( )
Interest on Bonds (Financing Activity)
/ ()
Profit / Loss on sale of Fixed Assets ( net )
Operating Profit before Changes in Operating Assets and Liabilities
(iii)
Adjustment for net change in Operating Assets and Liabilities
/()
Decrease / (Increase) in Investments
/()
Decrease / (Increase) in Advances
/( )
Decrease / (Increase) in Other Assets
/ ()
Increase / (Decrease) in Deposits
/ ( )
Increase / (Decrease) in Borrowings
/( )
Increase / (Decrease) in Other Liabilities & Provisions
(iii)
...../Contd.....
158
6 PNB-Sche17-18.p65
158
5/31/2011, 12:03 PM
( i+ii+iii)
95,101,818
43,153,135
-14,645,153
-24,793,232
80,456,665
18,359,903
-8,661,533
-3,585,279
263,422
246,374
-2,438,475
-755,168
-10,836,586
-4,094,073
1,840,001
5,000,000
26,050,000
-9,871,564
-8,644,986
-4,412,043
-11,066,645
(C)
(7,443,606)
6,338,369
( ++ A+B+C )
62,176,473
20,604,199
( )
Tax Paid (net of refund )
Net Cash from Operating Activities
B.
( A )
( )
Purchase of Fixed Assets (net of Sales)
/ /
Dividend received from Subsidiaries / JV / RRBs
/ /
Investment in Subsidaries / JV / RRBs
Net Cash used in investing Activities
C.
( B )
Share Capital (incl. Premium)
/ (- -)
Bonds (Tier I & Tier II) Issued/Redemption
Interest paid on Bonds
/
Payments of Dividends / Corporate tax on Dividend
Net Cash from Financing Activities
Cash and Cash Equivalents at the beginning of the year
Cash and Balances with Reserve Bank of India
183,275,755
170,582,536
Balances with Banks & Money at Call & Short Notice
51,459,888
234,735,643
43,548,908
214,131,444
Cash and Cash Equivalents at the end of the year
Cash and Balances with Reserve Bank of India
237,768,960
183,275,755
Balances with Banks & Money at Call & Short Notice
59,143,156
296,912,116
62,176,473
51,459,888
234,735,643
20,604,199
/Notes :1
( )
Direct taxes paid (net of refund) are treated as arising from operating activities and are not bifurcated between investing and financing activities.
159
6 PNB-Sche17-18.p65
159
6/2/2011, 12:29 PM
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GENERAL MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
..
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
( )
- 077076 000722
( )
- 025805, 000180s
( )
- 088393, 000386
(VIKAS GUPTA)
Partner
M No. 077076, FRN 000722C
(V.S. VENKATESWARLU)
Partner
M No.025805, FRN 000180S
(PRADEEP VERMA)
Partner
M No. 088393, FRN 000386N
( . )
- 061551, 301138
( )
- 70009, 000483
( )
- 102789, 109262
(A CHATTERJEE)
Partner
M No. 061551,FRN 301138E
(C.V.S.K. RAO)
Partner
M No. 070009, FRN 000483C
(NIRANJAN JOSHI)
Partner
M No.102789,FRN 109262W
/Date : 04.05.2011
/Place: /New Delhi
160
6 PNB-Sche17-18.p65
160
5/31/2011, 12:03 PM
AUDITORS REPORT
1. 31 , 2011
-
(i) 20
(ii)
4296 (4 1 )
112 (iii) 850
0.65
%, 3.95 %, 0.43 %,
3.38 %,
To,
The President of India
1.
2.
2.
3. :
-
3.
4. 1949
: "" ""
4.
The Balance Sheet and Profit and Loss Account have been
drawn up in Forms A and B respectively of the Third Schedule
to the Banking Regulation Act, 1949.
5. :
18 16
,
:
-
. . / 80/ 21. 04. 018/ 2010-11
15,
5.
Emphasis of Matter:
Without qualifying our opinion, we draw attention to Note
No.16 in Schedule 18 to the financial statements, which
describes deferment of pension and gratuity liability of the
bank to the extent of Rs.2658.92 crores pursuant to the
exemption granted by the Reserve Bank of India to the public
sector banks from application of the provisions of Accounting
Standard (AS) 15, Employee Benefits vide its circular no.
DBOD. BP.BC/80/21.04.018/2010-11 on Re-opening of
Pension Option to Employees of Public Sector Banks and
Enhancement in Gratuity Limits - Prudential Regulatory
Treatment.
6. 1
( ) , 1970
, :
6.
161
6 PNB-Sche17-18.p65
161
5/31/2011, 12:03 PM
)
:
I.
a)
31 , 2011
II.
;
III.
) ,
b)
)
,
c)
) ,
d)
e)
00722
000180
( )
- 077076
( )
- 026805
. .
000386
301138
(Vikas Gupta)
Partner
M.No. 077076
(V. S. Venkateswarulu)
Partner
M. No. 025805
( )
- 088393
(. )
- 061551
(Pradeep Verma)
Partner
M.No. 088393
000483
109262
( - )
- 070009
( )
- 102789
(CVSK Rao)
Partner
M.No. 070009
: 04.05.2011
:
162
(A Chatterjee)
Partner
M. No. 061551
For Sarda & Pareek
Chartered Accountants
FRN : 109262W
(Niranjan Joshi)
Partner
M. No. 102789
162
6 PNB-Sche17-18.p65
6/1/2011, 12:06 PM
7 PNB Consolidated.p65
163
5/31/2011, 12:20 PM
31 , 2011 -
CONSOLIDATED BALANCE SHEET OF PUNJAB NATIONAL BANK AS ON 31ST MARCH, 2011
( / ` in Crores)
31.03.2011
31.03.20010
Schedule
As on 31.03.2011
As on 31.03.2010
316.81
315.30
22297.85
18387.44
301.29
227.06
316231.93
251457.66
34638.50
22762.94
12497.43
386283.81
10419.02
303569.42
23791.19
18334.78
6300.11
5915.91
96911.28
79253.88
247746.58
191110.85
10
3150.48
2531.41
11
8384.17
6422.59
386283.81
303569.42
127611.28
92789.21
11981.54
9529.79
CAPITAL & LIABILITIES
CAPITAL
Reserves & Surplus
2/2A
Minority Interest
Deposits
Borrowings
Other Liabilities and Provisions
TOTAL
ASSETS
Cash and Balances with Reserve Bank of India
Balances with Banks & Money at call & short notice
Investments
Loans & Advances
Fixed Assets
Other Assets
()
Goodwill on Consolidation (Net)
TOTAL
12
Contingent Liabilities
Bills for Collection
..
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GEN. MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
. .
. .
. .
PRADEEP KUMAR
DIRECTOR
M P SINGH
DIRECTOR
D. K. SINGLA
DIRECTOR
G. R. SUNDARAVADIVEL
DIRECTOR
T. N. CHATURVEDI
DIRECTOR
V. K. MISHRA
DIRECTOR
JASBIR SINGH
DIRECTOR
Ms RAVNEET KAUR
DIRECTOR
( . . )
(. . )
. .
( )
( . )
(. . . . )
FOR SARDA & PAREEK
CHARTERED ACCOUNTANTS
( )
000722
0001805
000386
301138
000483
109262
(K L JHANWAR)
Partner
FRN 000722C
(V S VENKATESWARLU)
Partner
FRN 000180S
(PRADEEP VERMA)
Partner
FRN 000386N
(A CHATTERJEE)
Partner
FRN 301138E
(C V S K RAO)
Partner
FRN 000483C
(NIRANJAN JOSHI)
Partner
FRN 109262W
/Date : 04.05.2011
/Place: /New Delhi
164
7 PNB Consolidated.p65
164
5/31/2011, 12:20 PM
31 , 2011
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2011
I.
( / ` in Crores)
31.03.2011
31.03.2010
Schedule
13
27551.24
21937.57
14
3655.36
31206.60
3498.17
25435.74
15
15506.68
13230.01
16
6449.67
4823.91
4734.66
26691.01
3491.43
21545.35
4515.59
3890.39
21.91
15.91
4493.68
3874.48
INCOME
Interest earned
Other Income
/ TOTAL
II.
EXPENDITURE
Interest expended
Operating expenses
Provisions and Contingencies
TOTAL
Consolidated Net Profit for the year of the parent & subsidiaries before Minority Interest
:
Less : Minority Interest
Consolidated Net Profit for the year of the parent & subsidiaries after Minority Interest
()
17
81.05
98.09
4574.73
3972.57
Consolidated Net Profit for the year attributable to the group
:
Add : Brought forward consolidated profit attributable to the group
359.49
385.33
4934.22
4357.90
1114.49
983.69
12.02
424.12
0.00
0.00
2415.20
1615.75
152.42
145.36
Profit available for Appropriation
APPROPRIATIONS
():
Transfer to Reserves (Net) :
Statutory Reserve
-
Capital Reserve - Others
Investment Fluctuation Reserve
Other Reserve
Special Reserve
Dividend Including Dividend Tax
2010-11
Proposed Dividend for 2010-11
814.15
442.27
0.00
371.43
425.94
4934.22
375.28
4357.90
145.08
125.99
Interim Dividend
-
Balance carried over to consolidated Balance Sheet
TOTAL
( )
Earnings per Share (In Rs.) Non-Annualised
18
..
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GEN. MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
. .
PRADEEP KUMAR
DIRECTOR
M P SINGH
DIRECTOR
D. K. SINGLA
DIRECTOR
G. R. SUNDARAVADIVEL
DIRECTOR
( . . )
(. . )
. .
T. N. CHATURVEDI
DIRECTOR
/ As per our Report of even date
. .
V. K. MISHRA
DIRECTOR
JASBIR SINGH
DIRECTOR
Ms RAVNEET KAUR
DIRECTOR
. .
( )
( . )
(. . . . )
FOR SARDA & PAREEK
CHARTERED ACCOUNTANTS
( )
000722
0001805
000386
301138
000483
109262
(K L JHANWAR)
Partner
FRN 000722C
(V S VENKATESWARLU)
Partner
FRN 000180S
(PRADEEP VERMA)
Partner
FRN 000386N
(A CHATTERJEE)
Partner
FRN 301138E
(C V S K RAO)
Partner
FRN 000483C
(NIRANJAN JOSHI)
Partner
FRN 109262W
/Date : 04.05.2011
/Place: /New Delhi
165
7 PNB Consolidated.p65
165
5/31/2011, 12:20 PM
1 -
SCHEDULE 1 - CAPITAL
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
3000.00
3000.00
316.81
315.30
316.81
315.30
316.81
315.30
:
3,00,00,00,000 , . 10
Authorised Capital
3,00,00,00,000 Equity shares of Rs.10 each
31,68,12,157 , . 10
Issued & Subscribed
31,68,12,157 Equity shares of Rs. 10 each
31,68,12,157 , . 10
{ 18,37,50,957 , . 10 }
Paid up
31,68,12,157 Equity shares of Rs. 10 each
(includes 18,37,50,957 Equity Shares of Rs.10/- each held by Central Government)
TOTAL
2 -
SCHEDULE 2 RESERVES & SURPLUS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
I.
Statutory Reserves
Opening Balance
4690.22
3706.53
Addition during the year
1114.49
983.69
5804.71
4690.22
II.
Capital Reserves
)
a) Revaluation Reserve
Opening Balance
1491.99
1513.75
5.16
0.00
21.23
21.77
Addition during the year
( )
Deduction during the year
(being depreciation on revalued portion of property)
1475.92
1491.98
)
b) Others
Opening Balance
1089.57
665.44
Addition during the year
12.02
424.12
1101.59
1089.56
54.96
55.18
II . ()
A. Capital Reserve on consolidation (Net)
III.
Revenue and Other Reserve
. -
a. Investment Fluctuation Reserve
Opening Balance
170.11
170.11
0.00
0.00
Addition during the year
:
Less: Trf. to P & L Account
0.00
0.00
170.11
170.11
/Contd...
166
7 PNB Consolidated.p65
166
6/2/2011, 12:07 PM
2 -
SCHEDULE 2 RESERVES & SURPLUS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
.
b. Other Reserve
Opening Balance
8116.75
6669.89
2423.18
1615.75
0.00
168.88
0.00
0.00
0.00
0.00
0.00
:
: ( - 15)
: :
0.01
10539.93
. -
8116.75
Opening Balance
1.49
4.78
0.00
0.00
1.49
: ()
: ()
3.29
0.00
IV.
1.49
Share Premium
Opening Balance
2011.43
2011.43
182.49
2193.92
V.
2011.43
Special Reserve
Opening Balance
392.16
77.92
152.42
145.36
Transferred from other reserve
0.00
168.88
544.58
VI.
392.16
Opening Balance
-6.72
39.74
0.00
0.00
7.09
VII. -
Balance in Profit & Loss Account
Total of I, II, III, IV, V, VI, VII
46.46
-13.81
-6.72
425.94
22297.85
375.28
18387.44
2 -
Schedule 2A - Minority Interest
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
149.25
149.25
152.04
77.81
301.29
227.06
Minority Interest at the date on which the parent-subsidiary relationship
came into existence
Subsequent increase
-
Minority Interest at the date of balance sheet
167
7 PNB Consolidated.p65
167
6/2/2011, 12:09 PM
3 -
SCHEDULE 3 DEPOSITS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
. I
A. I
DEMAND DEPOSITS
(i)
From Banks
2326.12
1763.33
(ii)
From Others
24806.45
22113.17
27132.57
23876.50
93663.71
78209.06
II. -
SAVINGS BANK DEPOSITS
III.
TERM DEPOSITS
(i)
From Banks
12078.57
2583.94
(ii)
From Others
183357.08
146788.16
195435.65
316231.93
149372.10
251457.66
307245.55
245209.27
8986.38
316231.93
6248.39
251457.66
. (i)
B.
(ii)
Deposits of branches outside India
TOTAL of i, ii
4 -
SCHEDULE 4 - BORROWINGS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
9510.00
2948.63
849.14
631.28
3953.82
2220.45
11427.62
10790.19
8897.92
6172.39
TOTAL of I, II
I II
34638.50
22762.94
10676.24
5978.89
Borrowings in India
(i)
Reserve Bank of India
(ii)
Other Banks
(iii)
Other Institutions and Agencies
II.
168
7 PNB Consolidated.p65
168
5/31/2011, 12:20 PM
5 -
SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
2098.65
2308.22
31.60
225.49
530.68
389.26
9836.50
7496.05
12497.43
10419.02
I.
Bills payable
II. : ()
Inter-office adjustments (net)
III.
Interest accrued
IV. ( )
6 -
SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA
( / ` in Crores)
I.
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
1737.85
1337.58
( )
Cash in hand (including Foreign Currency Notes)
II.
Balance with Reserve Bank of India
() / (i) In Current account
() / (ii) In Other Accounts
22053.34
16997.20
0.00
TOTAL of I, II
0.00
22053.34
16997.20
23791.19
18334.78
7 -
SCHEDULE 7 BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE
( / ` in Crores)
I.
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
In India
(i)
Balance with Banks:
()
(a) In Current accounts
481.50
620.88
()
(b) In Other Deposit accounts
1626.59
2020.71
2108.09
2641.59
(ii)
Money at Call and Short Notice:
()
(a) with Banks
719.60
760.28
()
(b) with Other Institutions
0.00
Total of i,ii
II
0.00
719.60
2827.69
760.28
3401.87
Outside India
(i)
In Current accounts
1810.01
161.18
1032.60
1636.56
(ii)
In Other Deposit accounts
(iii)
Money at Call & Short Notice
TOTAL
GRAND TOTAL ( I & II )
629.81
716.30
3472.42
6300.11
2514.04
5915.91
169
7 PNB Consolidated.p65
169
6/1/2011, 12:09 PM
8 -
SCHEDULE 8 - INVESTMENTS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
80676.99
67012.42
373.86
492.18
2564.32
2073.74
5493.29
3488.22
529.98
439.00
6760.84
5427.60
96399.28
78933.16
32.02
0.00
40.68
35.35
439.30
512.00
285.37
320.72
96767.91
79283.70
368.63
350.54
96399.28
78933.16
512.00
320.72
0.00
0.00
512.00
96911.28
320.72
79253.88
Investments in India in
(i)
Government Securities
(ii)
Other approved securities
(iii)
Shares
(iv)
Debentures and Bonds
(v) ( )
Investment in Associates (on equity method)
(vi)
Others
( -64
)
(Initial Capital in UTI and its units- 64
Various Mutual Funds & Commercial Paper etc.)
TOTAL of I
II.
Investments outside India
(i)
Government Securities
(ii) ( )
Investment in Associates (on equity method)
(iii)
Other investments
TOTAL of II
III.
Investments in India
(i)
Gross value of Investments
(ii) :
Less: Aggregate of Provisions for Depreciation
(iii)
Net Investment
IV.
Investments outside India
(i)
Gross value of Investments
(ii) :
Less: Aggregate of Provisions for Depreciation
(iii)
Net Investments
GRAND TOTAL of (I), (II)
170
7 PNB Consolidated.p65
170
5/31/2011, 12:20 PM
9 -
SCHEDULE 9 - ADVANCES
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
7019.95
4466.85
114888.48
82450.17
125838.15
247746.58
104193.83
191110.85
206057.66
169425.28
11671.93
2426.89
30016.99
247746.58
19258.68
191110.85
80702.15
68026.61
17902.43
11629.29
13822.05
1089.00
120597.59
233024.22
100808.18
181553.08
11092.74
51.98
466.14
278.77
2584.33
3023.27
579.15
14722.36
247746.58
6203.75
9557.77
191110.85
(i)
A.
(ii) ,
Cash Credits, overdrafts and loans repayable on demand
(iii)
Term Loans
Total
(i) ( )
B.
(ii) /
Covered by Bank/Govt.Guarantees
(iii)
Unsecured
Total
C.
I.
Advances in India
(i)
Priority Sector
(ii)
Public Sector
(iii)
Banks
(iv)
Others
Total
II
C.
(i)
Due from banks
(ii)
Due from others
()
(a) Bills purchased & discounted
()
(b) Term Loans
()
(c) Others
Total
171
7 PNB Consolidated.p65
171
5/31/2011, 12:20 PM
10 -
SCHEDULE 10 - FIXED ASSETS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
I. ( )
Premises (including Land)
- 1
-At cost as on 1st April of the year
2101.59
2068.99
517.78
32.59
0.03
0.00
5.16
0.00
-
-Additions during the year
:
Less :Deductions during the year
-
-Revaluation
:
Less :Depreciation to date
281.80
247.87
2342.70
1853.71
II. ( )
Other Fixed Assets (including furniture & fixtures)
- 1
-At cost as on 1st April of the year
2067.39
1815.82
375.99
312.21
90.07
60.62
-
-Additions during the year
:
Less: Deductions during the year
:
Less:Depreciation to date
1594.87
1444.94
758.44
622.47
III.
Computer Software
- 1
-At cost as on 1st April of the year
180.65
154.48
22.53
26.66
5.51
0.49
-
- Additions during the year
-
Deductions during the year
:
Less: Amortised to date
148.49
125.63
49.18
55.02
IV.
Leased Assets
- 1
-At cost as on 1st April of the year
25.24
25.23
0.00
0.00
0.00
0.00
-
-Additions during the year
Deductions during the year
:
Less:Depreciation to date
25.08
25.02
0.16
0.21
3150.48
2531.41
172
7 PNB Consolidated.p65
172
5/31/2011, 12:20 PM
11 -
SCHEDULE 11 - OTHER ASSETS
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
2175.14
1726.82
876.84
1517.60
7.35
8.57
41.96
35.38
386.15
407.55
4896.73
8384.17
2726.67
6422.59
I.
Interest accrued
II. / ( )
Tax paid in advance/tax deducted at source (net of provisions)
III. -
Stationery and Stamps
IV. -
Non Banking assets acquired in satisfaction of claims
V. ()
Deferred Tax asset (net)
VI.
Others
TOTAL of I, II, III, IV, V, VI
12 -
SCHEDULE 12 CONTINGENT LIABILITIES
( / ` in Crores)
31.03.2011
31.03.2010
As on 31.03.2011
As on 31.03.2010
255.02
245.36
883.14
1483.38
0.01
0.02
67148.33
43068.48
20663.05
16514.19
12390.61
7564.04
25908.42
23695.16
362.70
127611.28
218.58
92789.21
I. (i) ()
Claims against the Bank (Group) not acknowledged as debts
(ii) ,
Disputed income tax and interest tax demands under appeals, references, etc.
II.
Liability for partly paid investments
III.
Liability on account of outstanding forward exchange contracts
IV.
Guarantees given on behalf of constituents
()
(a)
In India
()
(b) Outside India
V. ,
Acceptance, Endorsements and Other obligations
VI. ()
Other items for which the Bank (Group) is contingently liable
TOTAL of I, II, III, IV, V, VI
173
7 PNB Consolidated.p65
173
5/31/2011, 12:20 PM
13 -
SCHEDULE 13 - INTEREST AND DIVIDEND EARNED
( / ` in Crores)
31.03.2011
31.03.2010
21565.35
17021.49
5727.36
4691.18
84.38
166.58
I. / /
Interest/discount on Advances/Bills
II.
Income on Investments
III. :
Intt. on balances with Reserve Bank of India & other inter-bank funds
IV.
Others
TOTAL of I, II, III, IV
174.15
58.32
27551.24
21937.57
14 -
SCHEDULE 14 OTHER INCOME
( / ` in Crores)
31.03.2011
31.03.2010
2067.51
1704.71
I. ,
Commission, Exchange & Brokerage
II. ,
Profit on sale of land, buildings and other assets
3.44
3.13
: ,
Less:Loss on sale of land, buildings and other assets
0.48
0.75
2.96
2.38
224.96
323.27
III. /
Dividend Income from Mutual Fund/Unapproved Shares
IV. -
Profit on Exchange Transaction
386.00
341.68
: -
Less:Loss on Exchange Transaction
2.37
1.11
383.63
340.57
V.
Profit on sale of Investments
332.32
746.64
:
Less:Loss on sale of investments
41.15
80.21
291.17
666.43
685.13
3655.36
460.81
3498.17
VI.
Miscellaneous Income
TOTAL of I, II, III, IV, V, VI
174
7 PNB Consolidated.p65
174
6/2/2011, 12:04 PM
15 -
SCHEDULE 15 - INTEREST EXPENDED
( / ` in Crores)
31.03.2011
31.03.2010
13894.72
12051.75
305.06
76.50
1306.90
15506.68
1101.76
13230.01
I.
Interest on Deposits
II. /:-
Interest on Reserve Bank of India/inter-bank borrowings
III.
Others
TOTAL of I, II, III
16 -
SCHEDULE 16 - OPERATING EXPENSES
I.
( / ` in Crores)
31.03.2011
31.03.2010
4493.93
3141.29
316.35
264.85
52.39
48.61
44.36
42.97
Payment to and provisions for employees
II. ,
Rent, Taxes and Lighting
III. -
Printing & Stationery
IV.
Advertisement & Publicity
V.
Depreciation on banks property
285.82
248.94
:
Less: Adjusted with Revaluation Reserve
21.23
21.77
264.59
227.17
1.61
1.50
49.82
39.47
19.75
18.36
105.80
103.22
85.97
78.60
262.17
221.18
VI. ,
Directors Fees, allowances and expenses
VII. - ( )
Auditors fees and expenses (including statutory auditors of subsidiaries,
branch auditors fees & expenses)
VIII.
Law charges
IX. , ,
Postage,Telegrams,Telephones, etc.
X. -
Repairs & Maintenance
XI.
Insurance
XII.
Other expenditure
TOTAL of I to XII
752.93
636.69
6449.67
4823.91
17 - /
SCHEDULE 17 - SHARE OF EARNINGS/LOSS IN ASSOCIATES
( / ` in Crores)
31.03.2011
31.03.2010
72.35
89.23
()
(a) Share of Earnings in Associates in India
()
(b) Share of Earnings in Associates outside India
( ) TOTAL (a&b)
8.70
8.86
81.05
98.09
175
7 PNB Consolidated.p65
175
6/1/2011, 12:12 PM
- 18
SCHEDULE 18
1.
:
() ,
,
-
1.
BASIS OF PREPARATION:
2.
2.1 (8 12 )
- :
2.
() (/) -,
a)
()
, ,
-, -
-
/
-
31 , 2011
b)
() :
c)
(i) -
(i)
(ii) -
/
() 20 % ,
- 23
,
/
/
176
176
5/31/2011, 12:04 PM
2.2
-
/
2.3
:
)
,
)
()
3.
3.
METHOD OF ACCOUNTING:
4.
4.1 ,
4.
4.2 :
() ( )
() :
4.1 Fixed assets are stated at historical cost except those premises,
which have been revalued. The appreciation on revaluation
is credited to revaluation reserve and incremental
depreciation attributable to the revalued amount is deducted
there-from.
a)
b)
(% )
(In %)
Type of Asset
Rate of Depreciation
Buildings
40
40
2.50%
Nil
Over lease period
2.50%
Over lease period
5.00%
5.00%
10.00%
10.00%
20.00%
Mattresses
20.00%
33.33%
33.33%
15.00%
15.00%
15.00%
15.00%
33.33%
33.33%
5000/-
Up to Rs. 5,000
20.00%
Others
Charged to Revenue
20.00%
177
177
5/31/2011, 12:04 PM
() 0
-
/
c)
()
/
/
,
d)
5.
5.1
5.2
/
5.3 / :
)
)
, ,
5.4 :
. -
5.
ADVANCES:
b)
. -
/
5.5 / :
-
6.
6.1 , 1949
6. INVESTMENTS
6.2 ``
'', `` '' `` ''
`` ''
6.3 /
`` ''
6.4 `` ''
6.5 ,
/ / , ,
6.6
. () /
b)
178
178
6/1/2011, 12:14 PM
. ,
.
6.7 . /
:
i. :
`` ''
/ ,
ii. :
*
c.
/ /
( )
b.
i.
Held to Maturity
ii.
Type of investment
*
()
/
/..
Govt. Securities
/
,
( )
/ ..
*
*
, ,
(
)
, . 1 /-
Basis of valuation
Treasury Bills
At carrying cost
Equity shares
, ,
Preference shares
( )
, ,
/ /
*
*
*
Commercial paper
At carrying cost
Certificate of Deposits
At carrying cost.
179
179
5/31/2011, 12:04 PM
()
Other Investments
6.8 ...
/
6.8 Investments are subject to appropriate provisioning/derecognition of income, in line with the prudential norms of
Reserve Bank of India for NPI classification. The depreciation/
provision in respect of non-performing securities is not set off
against the appreciation in respect of the other performing
securities.
6.9 /
6.10 / :
6.11 - () -
-
- -
:
6.11.1 -
- -
, ,
- ,
- -
/
6.11.2 -
-
6.12
,
/
7 -
7.1 ,
, ()
, , ,
180
180
6/1/2011, 12:18 PM
7.2 - -
7.3
/
7.4 -
7.5 / :
7.5.1 ``
''
``
''
7.5.2
11
7.5.3 -
/
8.
8.
:
22
/
9. :
9.1
9.2
EMPLOYEE BENEFITS:
9.3
9.3. PENSION:
9.4
( )
181
181
6/1/2011, 12:18 PM
9.5
, ,
9.6
10.
, ,
11.
11.1 / ( 11 4 ) :
11.2
11.3 ,
/ ,
(i) (ii)
,
( ),
11.4 ( ), , ,
, - ,
/
11.5
12.
NOTES ON ACCOUNTS
1. -
:
1.
1.
2.
3.
4.
*
*
()
(% )
31 ,
2011
31 ,
2010
74.07
74.00
74.07
74.00
1.
2.
..
100.00
100.00
3.
100.00
100.00
4.
182
182
6/2/2011, 2:10 PM
Country of
incorporation
India
India
United
Kingdom
India
% Voting power
held as at
31st March,
2011
31st March,
2010
74.07
74.00
74.07
74.00
100.00
100.00
100.00
100.00
5.
6.
7.
8.
..
..
.
51.00
88.00
81.00
63.64
72.86
-
2.
:
5.
6.
7.
8.
Bhutan
India
51.00
88.00
72.86
-
India
Kazakhastan
81.00
63.64
2.
(% )
1
2.
3
4.
5.
6.
7
8.
9.
0
0 0 0
10. 0 0 0
11.
..
12.
..
(In %)
Name of the
Associate Company
31 ,
2011
31 ,
2010
35
35
35
35
35
35
30
20
30
35
35
35
35
35
35
30
20
30
30
30
30
30
30*
30
1.
2.
3.
4.
5.
6.
7.
8.
9.
Country of
incorporation
Proportion of ownership
percentage as at
31st March,
2011
31st March,
2010
India
India
India
India
India
India
India
Nepal
35
35
35
35
35
35
30
20
35
35
35
35
35
35
30
20
India
India
30
30
30
30
India
30
30
India
30*
30
* upto 12.01.2011
* 12.01.2011
2.1
Footnote:
2.2 In the year 2009-10 the banks share in Principal PNB Assets
Management Company Pvt Ltd., Principal Trustee Company
Pvt Ltd, PNB Principal Financial Planners Pvt Ltd., PNB
Principal Insurance Broking Pvt Ltd., Asset Care Enterprises
Ltd., & Principal PNB Life Insurance Co. Ltd. had been
accounted on the basis of un-audited financial statements
received then. Now, the audited financial statements of above
entities have been received and the difference of banks share
of Rs.0.24 crores have been included in the Share of Earnings/
Loss in Associates in Schedule-17.
2.3 2010-11
. ..
. ..
. .
. .,
2.4 31.03.2011
63.64%
.. 30%
81% . 30%
2.1 Everest Bank Ltd. follows accounting year different from that
of the Parent.
2.4 During the year ended 31.03.2011, the bank has taken the
stake of 63.64% in JSC Dana Bank. Further, the Bank has
increased its stake in PNB Principal Insurance Broking Pvt
Ltd. from 30% to 81% and in Principal PNB Life Insurance
183
183
5/31/2011, 12:04 PM
88% 31.03.2011
..
2.5 / :
(. )
31.03.2011
()
31.03.2010
(Rs. in Crores)
Particulars
0.23
0.00
55.19
55.18
Capital Reserves
0.00
0.00
Goodwill (Net)
54.96
55.18
2.6 / : I -II :
As on
31.03.2011
Goodwill
0.23
0.00
55.19
55.18
0.00
0.00
54.96
55.18
(. )
-
-
-
31.03.2011
31.03.2010
500.00
2000.00
700.00
3. - (-I -II )
:
-I
(Rs. in Crores)
Particulars
As on
31.03.2011
As on
31.03.2010
NIL
NIL
500.00
2000.00
NIL
700.00
3.
The capital adequacy ratio (Basel I and Basel II) of the bank
group is:
Basel I
-II
- -I (%)
- -II (%)
12.29%
8.33%
3.96%
13.70%
8.98%
4.72%
13.01%
12.29%
13.70%
13.01%
14.82%
9.68%
8.33%
8.98%
8.82%
9.68%
5.14%
3.96%
4.72%
4.19%
5.14%
14.82%
8.82%
4.19%
Basel II
CRAR%
4.
4.1 -5
-5 - /
4.
4.2 6 :
(. )
( )
31.03.2011 31.03.2010
8.26
7.88
235.98
196.60
0.06
0.20
20.29
22.49
264.59
227.17
4.3 9 :
184
Year ended
31.03.2011
Year ended
31.03.2010
8.26
7.88
235.98
196.60
0.06
0.20
20.29
22.49
264.59
227.17
184
As on
31.03.2010
5/31/2011, 12:04 PM
4.4 11 :
- - :
(Rs. In Crore)
01 2010
1.49
1.49
01.04.2010 31.03.2011
0.00
0.00
1.49
1.49
31.03.2011
0.00
Balance as at 31.03.2011
0.00
4.5 15 :
15 () :
01.04.2007
- 15 () -
Particulars
Amount
st
- -
,
,
01.04.2010 87.40
43.80 31.03.2011
43.60
TRANSITIONAL LIABILITY
The transitional liability as on 01.04.10 on account of other
long-term employee benefits such as Leave fare concession,
Accumulating compensating sick leave, Silver jubilee award
etc. to the extent not charged was amounting to Rs.87.40
crores. A sum of Rs.43.80 crores representing one fifth of
transitional liability has been charged to Profit & Loss A/c of
the current financial year ended 31st March 2011. The balanceunrecognized liabilities of Rs. 43.60 crores have been carried
forward and the same will be charged off in the next year.
-
33982
2757.65
, 1972
566.00
During the year, the Parent bank reopened the pension option
for such of its employees who had not opted for the pension
scheme earlier. As a result of exercise of which by 33982
employees, the bank has incurred a liability of Rs. 2757.65
crores. Further, during the year, the limit of gratuity payable to
the employees of the parent bank was also enhanced pursuant
to the amendment to the Payment of Gratuity Act, 1972. As a
result the gratuity liability of the Bank has increased by
Rs. 566.00 crores. These liabilities are calculated on the basis
of actuarial valuation.
15, 3323.65
( 2757.65 + 566.00 )
,
``
: - ''
9 2011 ...80/
21.04.018/2010-11
3323.65
664.73
2658.92 /
185
185
6/1/2011, 12:20 PM
-5 ``'' 11
carried forward, i.e. Rs. 2658.92 crores. (Rs. 3323.65 crores Rs 664.73 crores) does not include any liability relating to
separated/retired employees. Such balance amount carried
forward has been grouped under Schedule 5 under head
Others and correspondingly in schedule 11 under Others
and will be charged off in Subsequent years.
15
2658.92
- 15 ()
15 ()
- :
Had such a circular not been issued by the RBI the profit of
the bank would have been lower by Rs 2658.92 crores
pursuant to application of the requirements of AS 15.
I.
I.
(
)
(%)
()
()
( )
(in %)
Particulars
Pension
Gratuity
Leave
(Funded)
(Funded)
Encashment
(Unfunded)
8.45%
7.87%
8.17%
7.87%
8.17%
7.87%
Discount rate
8.45%
7.87%
8.17%
7.87%
8.17%
7.87%
8.56%
8.56%
8.59%
8.59%
0.00%
0.00%
Expected rate of
return on plan assets
8.56%
8.56%
8.59%
8.59%
0.00%
0.00%
5.00%
6.50%
5.00%
6.50%
5.00%
6.50%
6.50%
5.00%
6.50%
5.00%
6.50%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
Rate of escalation
in salary
5.00%
(Attrition)
Attrition rate
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
Method used
II. -
(. )
()
()
( )
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
4715.00
1515.70
915.94
4715.00
1515.70
915.94
356.59
112.31
68.69
Interest Cost
356.59
112.31
68.69
601.96
90.09
38.74
601.96
90.09
38.74
2206.12
452.80
2206.12
452.80
551.53
113.20
551.53
113.20
2811.35
Benefits paid
(368.07)
(177.18)
(86.18)
(283.76)
293.18
96.20
10590.72
2400.09
1033.40
-
-
-
-
2811.35
(368.07)
177.18
(86.18)
/ ()
(283.76)
293.18
96.20
31.03.2011 10590.72
2400.09
1033.40
186
186
5/31/2011, 12:04 PM
III. -
(. )
()
()
( )
4755.00
1682.94
544.31
149.44
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
4755.00
1682.94
544.31
149.44
3575.48
290.66
86.18
(368.07)
(177.18)
(86.18)
()
(5.71)
1.74
31.03.2011
8449.60
1947.59
IV.
Employers Contribution
3575.48
290.66
86.18
Benefits paid
(368.07)
(177.18)
(86.18)
(57.12)
1.74
8449.60
1947.59
()
()
( )
544.31
149.44
()
(57.12)
1.74
487.19
151.18
(Rs. in crore)
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
544.31
149.44
(57.12)
1.74
487.19
151.18
V. /
Particulars
/ ()
()
()
( )
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
83.76
(293.18)
(96.20)
283.76
(293.18)
(96.20)
(57.12)
(1.74)
(57.12)
1.74
() /
(226.64)
291.44
96.20
(226.64)
291.44
96.20
() /
(226.64)
291.44
96.20
Actuarial(gain)/loss recognized
in the period
(226.64)
291.44
96.20
/ ()
()
VI.
()
()
10590.72
8449.60
2141.12
(2206.12)
0
-
0
15 () 55
0
-
(65.00)
15 59
0
15 59
0
2400.09
1947.59
452.50
452.50
( )
1033.40
0
1033.40
0
0
0
0
0
0
0
0
0
1033.40
0
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
1033.40
10590.72
2400.09
8449.60
1947.59
Difference
2141.12
452.50
1033.40
(2206.12)
452.50
(65.00)
1033.40
187
187
6/1/2011, 12:25 PM
VII.
(Rs. in crore)
()
()
-
-
() /
-
-
-
-
601.96
356.59
(544.31)
0
551.53
0
90.09
112.31
(149.48)
0
0
0
( )
38.74
68.69
0
0
0
0
(226.64)
291.44
96.20
0
0
0
0
0
0
0
0
0
113.20
113.20
(2231.97)
1318.51
457.60
203.64
457.60
203.64
VIII.
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
601.96
90.09
38.74
Interest cost
356.59
112.31
68.69
(544.31)
(149.48)
2811.35
551.53
(226.64)
291.44
96.20
1318.51
(Rs. in crore)
(. )
()
()
(40.00)
(166.94)
915.94
3550.48
457.60
203.64
(3575.48)
(290.66)
(86.18)
Contribution paid
1033.40
(65.00)
0.00
( )
Particulars
IX.
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
(40.00)
(166.94)
915.94
3550.48
457.60
203.64
(3575.48)
(290.66)
(86.18)
(65.00)
0.00
1033.40
()
()
( )
10590.72
2400.09
1033.40
8449.60
1947.59
()
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
Leave
Encashment
(Unfunded)
10590.72
2400.09
1033.40
8449.60
1947.59
Plan Assets
(2141.12)
(452.50)
(1033.40)
(2141.12)
(452.50)
(1033.40)
- ()/
(240.52)
(406.96)
(168.36)
(240.52)
(406.96)
(168.36)
- ()/
(57.12)
1.74
(57.12)
1.74
Surplus (Deficit)
188
188
5/31/2011, 12:04 PM
X. ( %
)
X.
(% )
()
()
(in %)
Particulars
Pension
(Funded)
Gratuity
(Funded)
24.16%
23.15%
24.16%
23.15%
18.08%
24.72%
18.08%
24.72%
39.95%
44.95%
39.95%
44.95%
0.12%
0.01%
0.12%
0.01%
0.00%
0.00%
Property
0.00%
0.00%
6.76%
0.00%
6.76%
0.00%
2.91%
7.13%
2.91%
7.13%
8.02%
0.04%
Other investments
100.00%
100.00%
XI.
Total
8.02%
0.04%
100.00%
100.00%
()
()
1000.00
200.00
XII. ( )
(Rs. in crore)
Particulars
Pension
(Funded)
Gratuity
(Funded)
1000.00
200.00
( )
( )
( )
( )
105.00
12.00
182.00
(Rs. in crore)
Particulars
LFC
(unfunded)
Silver Jubilee
Bonus
(unfunded)
Sick Leave
including
casual Leave
(SL) (unfunded)
105.00
12.00
182.00
36.00
3.60
48.00
Transitional Liability
36.00
3.60
48.00
18.00
1.80
24.00
18.00
1.80
24.00
18.00
1.80
24.00
87.00
10.20
158.00
18.00
1.80
24.00
87.00
10.20
158.00
XIII.
Particulars
Basis of assumption
15
-
Discount rate
Expected rate
of return on
plan assets
, , ,
15 83-91 120 (I)
Rate of
escalation
in salary
Attrition rate
189
189
5/31/2011, 12:04 PM
4.6 31 2011
( )
.
i.
31.03.2011
(-)
()
31.03.2010
(-)
()
651345
590788
a)
Treasury
1402132
1022244
b)
Corporate/Wholesale Banking
986559
845225
c)
Retail Banking
80624
85317
d)
3120660
2543574
74357
77563
(Rs. in lacs)
(As compiled by the management and relied upon by Auditors)
S. Particulars
No.
i.
ii.
Year Ended
31.03.11
(Audited)
(Consolidated)
Segment Revenue
Total
ii.
Year Ended
31.03.10
(Audited)
(Consolidated)
651345
590788
1402132
1022244
986559
845225
80624
85317
3120660
2543574
Segment Results
a)
Treasury
74357
77563
535165
385751
b)
Corporate/Wholesale Banking
535165
385751
367130
319662
c)
Retail Banking
367130
319662
29819
32360
d)
1006471
815336
Total
81445
77154
iv.
925026
738182
iv.
v.
217861
205418
v.
vii. ()
8105
9809
8105
9809
viii.
2191
1591
2191
1591
457473
397257
457473
397257
9925690
8208534
18771848
14051736
8969263
6845169
606953
896967
38273754
30002406
iii.
vi.
ix.
Operating Profit
925026
738182
217861
205418
------
------
Segment Assets
8208534
a)
18771848
14051736
b)
Corporate/Wholesale Banking
8969263
6845169
c)
Retail Banking
606953
896967
d)
38273754
30002406
354627
354536
e)
Unallocated Assets
38628381
30356942
Treasury
Sub Total
Total Assets
9396516
7762269
a)
Treasury
17892955
13386669
b)
Corporate/Wholesale Banking
8395543
6403286
c)
Retail Banking
d)
577553
847392
36262567
28399616
104348
87052
36366915
28486668
10 % , :
Sub Total
e)
Unallocated Liabilities
Total Liabilities
354536
38628381
30356942
190
9396516
7762269
17892955
13386669
8395543
6403286
577553
847392
36262567
28399616
104348
87052
36366915
28486668
Secondary Segment
As the operations outside India are less than the threshold limit of 10%, secondary
segment information has not been required to be furnished.
190
354627
77154
9925690
xi.
)
81445
Other Information:
815336
x.
32360
1006471
x.
)
29819
5/31/2011, 12:04 PM
4.7. - 18
:
. ,
. . ,
. ,
(01.01.2011 )
. ,
(31.12.2010 )
(i)
(ii)
iii) () , ..
iv)
v)
vi) .
vii) . .
viii) .
Subsidiaries
i) PNB Gilts Ltd.
ii) PNB Housing Finance Ltd.
iii) Punjab National Bank (International) Ltd., UK
iv) PNB Investment Services Ltd
v) Druk PNB Bank Ltd.
vi) Principal PNB Life Insurance Co. Ltd.
vii) PNB Principal Insurance Broking Pvt Ltd
viii) JSC Dana Bank Ltd.
(i)
(ii) ..
iii) ..
iv) .. (12.01.2011 )
Associates:
i) Everest Bank Limited
ii) Principal PNB Asset Management Company Pvt. Ltd.
iii) Principal Trustee Company Private Limited
iv) PNB Principal Financial Planners Private Limited
(upto 12.01.2011)
v) Assets Care Enterprises Ltd.
vi) India Factoring & Finance Solutions Pvt. Ltd.
vii) Madhya Bihar Gramin Bank, Patna
viii) Haryana Gramin Bank, Rohtak
ix) Himachal Gramin Bank, Mandi
x) Punjab Gramin Bank, Kapurthala
xi) Rajasthan Gramin Bank, Alwar
xii) Sarva UP Gramin Bank, Meerut
v) .
vi) ..
vii) ,
viii) ,
ix) ,
x) ,
xi) ,
xii) ,
*
(. )
/
59.42
(46.28)
6.11
(4400.31)
0.00
12770.62
(3256.71)
7907.00
(29837.52)
0.00
(778.80)
(Rs. in lacs)
Items/Related Party
Associates
Key Management
Relatives of Key
Personnel
Management
Personnel
2010-11
Maximum
2010-11
Maximum
amount
amount
outstanding
outstanding
Remuneration
59.42
NA
(46.28)
NA
2010-11
Maximum
amount
outstanding
Borrowings
7639.98
(9213.32)
2428.94
13752.76
(3256.71)
0.00
(778.80)
19.12
(11.97)
36.93
(16.67)
0.41
(0.07)
0.75
(0.22)
0.00
0.46
0.00
(0.35)
0.00
(0.35)
Deposits
Placement of Deposits
Advances
Investments in debentures
6.11
7639.98
19.12
36.93
0.41
0.75
(4400.31)
(9213.32)
(11.97)
(16.67)
(0.07)
(0.22)
0.00
0.46
0.00
2428.94
12770.62
13752.76
(3256.71)
(3256.71)
7907.00
NA
(29837.52)
(NA)
0.00
0.00
(778.80)
(778.80)
0.00
0.00
(0.35)
(0.35)
191
191
6/2/2011, 2:13 PM
* ()
2010-11
0.00
(0.00)
193.10
(0.30)
523.02
(100.42)
0.46
(0.00)
25.00
(25.00)
2010-11 2010-11
0.00
(0.00)
0.45
0.02
(0.52)
(0.00)
0.00
0.00
(0.00)
*
( )
(Rs. in lacs)
Items/Related Party
Associates
Key Management
Relatives of Key
Personnel
Management
Personnel
2010-11
Interest paid
Interest received
Maximum
Maximum
amount
amount
outstanding
outstanding
0.00
0.00
(0.00)
(0.00)
2010-11
Maximum
amount
outstanding
193.10
NA
0.45
NA
0.02
NA
(0.30)
(NA)
(0.52)
(NA)
(0.00)
(NA)
523.02
NA
NA
0.00
0.00
(100.42)
(NA)
(NA)
(0.00)
(NA)
Receiving of Services
NA
Rendering of services
0.46
NA
(0.00)
(NA)
Management contracts
2010-11
25.00
NA
(25.00)
(NA)
-
- 18 `` '' 9 -
4.8 19 :
()
( ) /
41.65
31.03.2011
34.60 31.03.2011 7.05 0
() :
7.05
5.49
1.56
() 5
0.00
0.00
0.00
()
:
()
b.
c.
d.
e.
192
192
5/31/2011, 12:04 PM
NIL
4.9 20 :
*
(0 )
31.03.2011
31.03.2010
145.08
145.08
125.99
125.99
4574.73
3972.57
10/-
10/-
31,53,02,500
31,53,02,500
(Rs.)
Particulars
As on
31.03.2011
As on
31.03.2010
145.08
145.08
125.99
125.99
4574.73
3972.57
31,53,19,044
31,53,02,500
4.10 -22 :
:
(. )
31.03.2011
31.03.2010
9.39
6.86
(Rs. in crore)
Particulars
As on
31.03.2011
As on
31.03.2010
9.39
6.86
400.91
323.32
400.91
323.32
0.00
10.00
0.00
0.00
43
1.41
5.85
1.41
5.85
3.27
96.82
414.98
432.85
Others
Total
3.27
96.82
414.98
432.85
28.83
25.30
28.83
25.30
43
0.00
0.00
0.00
0.00
0.00
0.00
Others
0.00
0.00
28.83
25.30
28.83
25.30
386.15
407.55
386.15
407.55
/ () -
Total
Deferred Tax Assets/ (Liability) Net
1961 36 (1) (viii)
4.11 28 :
` '
28 `` ''
( )
31 2011
5
193
193
5/31/2011, 12:04 PM
4.12 29 : ,
i)
(. )
900.00
18.88
1 , 2010
(Rs. in Crores)
Particulars
Salary arrears
under negotiation
Legal cases/
contingencies
900.00
18.88
NIL
9.09
9.09
779.22
779.22
NIL
120.00
0.14
120.00
0.14
0.78
27.83
31 2011
/
*
0.78
27.83
On actual payment
Outflow on settlement
or crystallization.
ii) ``
'' :
ii
(. )
31.03.2011 31.03.2010
( )
( )
:
(Rs. in Crores)
Particulars
Year ended
31.03.2011
162.72
68.44
2049.23
1007.57
0.00
-5.15
262.52
70.43
2178.61
2054.18
81.58
295.96
4734.66
3491.4
Total
4.13 :
162.72
68.44
2049.23
1007.57
0.00
-5.15
262.52
70.43
2178.61
2054.18
81.58
295.96
4734.66
3491.43
01.04.2010/01.04.2009
Year ended
31.03.2010
31.03.2011
31.03.2010
(Rs. in crore)
Particulars
31.03.2011
31.03.2010
1075.36
1080.51
1075.36
1080.51
00.00
NIL
00.00
-5.15
NIL
-5.15
1075.36
1075.36
1075.36
1075.36
31.03.2011/31.03.2010
4.14 - 12 :
/ / ,
,
:
4.15 () . ..
.. (...)
() . ..
, 31 , 2011
194
194
5/31/2011, 12:04 PM
5.
10.98 ( ) ( 11.35
) { 15.89 } ( 15.89 )
86.09 (
95.85 )
5.
a.
Other Notes
Premises include properties amounting to Rs. 10.98 crores
(Net of Depreciation) (previous year Rs.11.35 crores) {Cost
Rs. 15.89 crores} (previous year Rs. 15.89 crores) awaiting
registration of title deeds. Premises include capital work in
progress of Rs. 86.09 crores (previous year Rs. 95.85 crores).
. 2009
VII ( )
10/- 1208.82
15,09,657
184.00
57.80% 58.00%
b.
. 10/- 22/-
( 220%)
c.
6. :
/ : /
6.
195
195
5/31/2011, 12:04 PM
31 , 2011 - -
Consolidated Cash Flow Statement Annexed to the Balance Sheet for the year ended 31st March 2011
(. )
2010-11
(Rs. in crore)
2009-10
4,515.59
3,890.39
81.05
98.09
4,596.64
3,988.48
2,178.61
2,054.18
6,775.25
6,042.66
285.82
248.94
-21.23
-21.77
2,041.81
1,002.42
329.71
70.43
-10.46
295.96
187.23
68.44
0.00
0.00
987.16
864.50
(ii)
-2.96
3,797.08
-2.38
2,526.54
(i+ii)
10,572.23
8,569.20
-17,829.37
-14,122.08
-58,677.55
-33,664.99
-2,615.24
-887.91
64,774.27
40,798.49
11,238.133
3,021.80
1,414.54
-1,695.22
580.65
-4,274.04
1 2010 31 2011
For the period from 1st April 2010 to 31st March 2011
A.
(i)
Net Profit after Tax
:
Add: Share of earning in Associates
Net Profit before Minority Interest
: ( )
Add: Provision for Tax (net of deferred tax)
Profit before taxes
(i)
(ii) :
Adjustment for :
()
Depreciation Charges (Gross)
:
Less : Amount drawn from Revaluation Reserve
,
Provision for NPAs, Floating Provision towards NPAs & Bad Debts Write Off
:
Provision on Standard Assets & Standard Restructured Accounts
( )
Other Provisions (net)
/ (), , ()
Depreciation/ (Release), Write off, Provision on Investments (net)
/ ( )
Dividend from Subsidiary / Others (Investing Activity)
( )
Interest on Bonds (Financing Activity)
/ ()
Profit / Loss on sale of Fixed Assets ( net )
Operating Profit before Changes in Operating Assets and Liabilities
(iii)
Adjustment for net change in Operating Assets and Liabilities
/()
Decrease / (Increase) in Investments
/()
Decrease / (Increase) in Advances
/( )
Decrease / (Increase) in Other Assets
/ ()
Increase / (Decrease) in Deposits
/ ( )
Increase / (Decrease) in Borrowings
/( )
Increase / (Decrease) in Other Liabilities & Provisions
(iii)
...../Contd.....
196
196
6/1/2011, 12:28 PM
( i+ii+iii)
8,877.11
4,295.16
-1,516.45
-2,520.91
7,360.66
1,774.25
-896.79
-365.78
0.00
0.00
-15.26
191.44
0.00
0.00
-912.05
-174.34
184.00
0.00
637.43
2,605.00
-987.16
-864.50
-442.27
-1,114.87
0.00
0.00
() ( C )
-608.00
625.63
(++) ( A+B+C )
5,840.61
2,225.54
( )
Tax Paid (net of refund )
Net Cash from Operating Activities
B.
() ( A )
( )
Purchase of Fixed Assets (net of Sales)
/ /
Dividend received from Subsidiaries / JV / RRBs
/ /
Investment/Disinvestment in Subsidaries / JV / RRBs
Other Investments
Net Cash used in investing Activities
C.
() ( B )
Capital Incl Share Premium
/ (-/-)
Bonds (Tier I & Tier II) Issued/Redemption
Interest paid on Bonds
/
Payments of Dividends / Corporate tax on Dividend
Other Loans
Net Cash from Financing Activities
Cash and Cash Equivalents at the beginning of the year
Cash and Balances with Reserve Bank of India
18,334.78
17,059.55
Balances with Banks & Money at Call & Short Notice
5,915.91
24,250.69
4,965.60
22,025.15
Cash and Cash Equivalents at the end of the year
Cash and Balances with Reserve Bank of India
23,791.19
18,334.78
Balances with Banks & Money at Call & Short Notice
6,300.11
30,091.30
5,840.61
5,915.91
24,250.69
2,225.54
/Notes :1
( )
Direct taxes paid (net of refund) are treated as arising from operating activities and are not bifurcated between investing and financing activities.
(-) `` ''
All figures in minus represent Cash Out Flow
197
197
5/31/2011, 12:04 PM
ARTI MATTOO
ASSTT. GEN. MANAGER
R R VOORE
DY. GENERAL MANAGER
KRISHNAN RAMIAH
GENERAL MANAGER
RAKESH SETHI
EXECUTIVE DIRECTOR
M V TANKSALE
EXECUTIVE DIRECTOR
..
K R KAMATH
CHAIRMAN & MANAGING DIRECTOR
. .
( ds ,y >koj )
- 14080 000722
( )
- 025805, 0001805
( )
- 088393, 000386
(K L JHANWAR)
Partner
M No. 14080, FRN 000722C
(V.S. VENKATESWARLU)
Partner
M No.025805, FRN 000180S
(PRADEEP VERMA)
Partner
M No. 088393, FRN 000386N
( . )
- 061551, 301138
( )
- 070009, 000483
( )
- 102789, 109262
(A CHATTERJEE)
Partner
M No. 061551,FRN 301138E
(C.V.S.K. RAO)
Partner
M No. 070009, FRN 000483C
(NIRANJAN JOSHI)
Partner
M No.102789,FRN 109262W
/Date : 04.05.2011
/Place: /New Delhi
198
198
5/31/2011, 12:04 PM
-
,
, ,
1. ( ) 31 , 2011
-
2.
3.
4.
5.
AUDITORS REPORT ON
CONSOLIDATED FINANCIAL STATEMENTS
To,
The Board of Directors of Punjab National Bank,
1.
: -
-
-
-
-
: i) ii)
.iii) () , iv)
. , v) , vi) ..,
vii) . viii) .
31 ,
2011 9784.32
677.06
:
18
4.5 ,
: -
. . / 80/ 21. 04. 018/ 2010-11
15,
2658.92
2.
3.
We did not audit the financial statements of the subsidiaries viz. (i)
PNB Gilts Limited (ii) PNB Housing Finance Limited (iii) Punjab
National Bank (International) Limited (iv) PNB Investment Services
Limited (v) Druk PNB Bank Ltd. (vi) PNB Principal Insurance Broking
Pvt. Ltd. (vii) Principal PNB Life Insurance Company Ltd. (viii) JSC
Dana Bank. whose financial statements reflect total assets of Rs.
9784.32 crores as at 31st March 2011 and total revenues of Rs.677.06
crores for the year then ended. These financial statements and other
financial information have been audited by their respective auditors
whose reports have been furnished to us and our opinion is based
solely on the reports of the said auditors.
4.
Emphasis of Matter:
31 , 2011
() 81.05
5.
18 2 (2.3)
( )
( ) - 15
() , / ---
b)
c)
199
199
5/31/2011, 12:04 PM
101.81
1961 36 (1) (viii)
/ -22
33.04 4.98
( 3.09
)
d)
6.
5
`` '' -21
- 23 ``
''
6.
7.
7.
The Consolidated Balance Sheet and Profit and Loss Account have
been drawn up as per the forms prescribed by Reserve Bank of India
for banks.
8.
5
8 6 1
4
-
:
:
8.
. 31 , 2011
.
000722
000180
( )
- 014080
( )
- 025805
. .
000386
301138
a.
b.
c.
(V. S. Venkateswarlu)
Partner
M.No. 025805
( )
- 088393
(. )
- 061551
(Pradeep Verma)
Partner
M.No. 088393
000483
109262
( )
- 70009
( )
- 102789
(CVSK Rao)
Partner
M.No. 70009
: , 04, 2011
:
200
200
5/31/2011, 12:04 PM
,
,
,
5,
- 110001
.
( )
. .
( )
- ``''
(/ )
1.
.
.
. , ,
2. , , ,
3.
. ( )
. , , ,
, 5, , -110001 21 , 2011 ( 5.00 )
4.
5.
6.
7.
8.
9.
201
09 PNB Proxy_ecs.p65
201
5/31/2011, 12:06 PM
To,
The Company Secretary,
Punjab National Bank Head Office
Share Department
5, Sansad Marg
New Delhi - 110001
DPID No.
Client ID No.
(For Dematerialised shares)
Regd. Folio No.
(For Physical shares)
FORM B
PROXY FORM
resident/s of
in the District of
in the State of
appoint Mr./Ms.
resident of
resident of
in the district of
in the
State of
as my/our proxy to vote for me/us on my/our behalf at the TENTH ANNUAL GENERAL
MEETING of the Shareholders of the Punjab National Bank to be held on 27th June 2011 (Monday) at 10.00 a.m. at Punjab
National Auditorium, Central Staff College, 8 Underhill Road, Civil Lines, Delhi-110054 and at any adjournment thereof.
day of
Signed this
Please affix
Revenue
Stamp
2011
202
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5/31/2011, 12:06 PM
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( : hosd@pnb.co.in), .0 011-23323657 - 011-23766079
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203
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E-CREDIT MANDATE THROUGH NATIONAL ELECTRONIC CLEARING SERVICE (NECS) ETC./ BANK A/C
DETAILS FORM FOR PAYMENT OF DIVIDEND ON THE EQUITY SHARES
Dear Shareholder,
In our continuous endeavor to improve service to Shareholders, we request you to provide updated Bank A/c particulars to
our Share Transfer Agent - MCS Ltd.(Unit:PNB), F-65, Okhla Industrial Area, Phase I, New Delhi-110020, in the following
format, to avail E-credit for credit of dividend directly in your Bank A/c.
Thanking you,
Yours faithfully
Company Secretary
1.
Folio No.
2.
Name of Shareholder
3.
A.
Address of Shareholder
B.
Telephone/Mobile No.
C.
E-mail ID
4.
B.
C.
D.
IFSC Code
IMP : Please attach a blank cancelled cheque or photocopy of a cheque issued by your Bank for verification of the
above particulars.
I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected for
reasons beyond control, I shall not hold Punjab National Bank responsible.
Date :
Place :
204
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204
5/31/2011, 12:06 PM
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( : hosd@pnb.co.in), .0 011-23323657 - 011-23766079
() - /
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205
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5/31/2011, 12:06 PM
FOR SHAREHOLDERS
HOLDING SHARES IN
DEMAT FORM
E-CREDIT MANDATE THROUGH NATIONAL ELECTRONIC CLEARING SERVICE (NECS) ETC./ BANK A/C DETAILS
FORM FOR PAYMENT OF DIVIDEND ON THE EQUITY SHARES
Dear Shareholder,
It is our continuous endeavor to improve service to Shareholders. We request you to provide updated Bank A/c particulars
to your Depository Participant directly and also to our Share Transfer Agent - MCS Ltd.(Unit:PNB), F-65, Okhla Industrial
Area, Phase I, New Delhi-110020, in the following format, to avail E-credit of dividend directly in your Bank A/c.
Thanking you,
Yours faithfully
Company Secretary
1.
Name of Deposiotory
2.
DP ID / CL ID
3.
Beneficial Owner(s)
4.
A.
B.
Telephone/Mobile No.
C.
E-mail ID
5.
B.
C.
D.
IFSC Code
IMP : Please attach a blank cancelled cheque or photocopy of a cheque issued by your Bank for verification of the
above particulars.
I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected for
reasons beyond control, I shall not hold Punjab National Bank responsible.
Date :
Place :
206
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206
5/31/2011, 12:06 PM
: 7, , , 110 607
-
27 , 2011 : : 10.00
:
8, , , 110054
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//
........................................................................................................................................................................................................
: 7, , , 110 607
27 , 2011 : : 10.00
: , , 8 , , 110054
(// )
// 0
..................................................................
//
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: 1.
2. /
207
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6/1/2011, 12:30 PM
ATTENDANCE SLIP CUM ENTRY PASS FOR 10TH ANNUAL GENERAL MEETING
Date: 27th June, 2011 at 10.00 a.m.
Venue: Punjab National Bank Auditorium
Central Staff College
8,Underhill Road, Civil Lines, Delhi 110054
ATTENDANCE SLIP
(To be surrendered at time of entry)
NAME IN BLOCK LETTERS
(Member/Proxy/Authorised Representative)
FOLIO/DPID/CLIENT ID NO.
No. of Shares
Signature of Shareholder/Proxy/
Authorised Representative present
........................................................................................................................................................................................................
FOLIO/DPID/CLIENT ID NO.
No. of Shares
Signature of Shareholder/Proxy/
Authorised Representative present
Shareholders/Proxy holders/Authorised Representatives are requested to produce this Attendance slip cum Entry Pass duly
signed for admission to the meeting hall. The Entry Pass portion will be handed back to the Shareholders/ Proxy holders/
Authorised Representatives, who should retain it till the conclusion of the meeting. The admission may, however, be
subject to further verification/checks, as may be deemed necessary.
Note: 1. Please bring your copy of the Annual Report
2. No gift/gift coupons will be distributed at the meeting.
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6/2/2011, 2:16 PM