Financial Results For Q-4 of FY 2019-20

Financial Results For Q-4 of FY 2019-20

Journey Towards…Synergies…Strengths…Size...

Bank’s Gross Global Business reached Rs. 12,20,775Crore

Key Highlights for Q4 FY'20

Domestic Deposits increased by 4.9% on Y-o-Y basis to Rs. 6,86,493Crore as at the end of March’20.

 Domestic Advances increased by 1.1% on Y-o-Y basis toRs. 4,95,045Crore as at the end ofMarch’20.

 Domestic Business increasedby 3.2% on Y-o-Y basis to Rs. 11,81,538Crore as onMarch’20 fromRs.11,44,348Croreas onMarch’19.

 CRAR as per Basel III improved to 14.14% in March’20 from 9.73% in March’19.

 CASA Deposits grew by 6.1% on Y-o-Y basis to Rs. 3,02,475Crore in March’20. Domestic CASA Share improved by 54 bpson Y-o-Y basis to 44.05% in March’20.

 Retail Credit grew by 6.1% on Y-o-Y basis to Rs. 83,479Crore in March’20. Housing loan grew by 14.2% on Y-o-Y basis to Rs. 51,267Crore in March’20.

 Operating Profit grew by 37.40% on Y-o-Y basis toRs. 3,932 Crore in Q4 FY’20

 Non-Interest Income grew by 33.9% on Y-o-Y basis to Rs. 2,529 Crore in Q4 FY’20.

 NNPA ratio at 5.78% is down by 78 bps on Y-o-Y basis from 6.56% in March’19.

 Provision Coverage Ratio (PCR) improved significantly by 329bps on Y-o-Y basis from 74.50% as on March’19 to 77.79% as on March’20.


Business Performance in Key Parameters (as on 31.03.2020)

 Global Business of the Bank grew by 3.3% on Y-o-Y basisto Rs. 12,20,775Crore from Rs. 11,82,224 Croreduring last year corresponding period.

 Global Deposit of the Bank grew by 4.1%on Y-o-Y basis toRs. 7,03,846Crore.

 Gross Global Credit grew by 2.1% on Y-o-Y basistoRs. 5,16,929Crore.

 CASA deposit grew by 6.1%on Y-o-Y basis toRs. 3,02,475Crore.

 Retail Credit grew by 6.1% on Y-o-Y basisto Rs. 83,479 Crore.

Asset Quality

Gross Non Performing Assets (GNPA) is at 14.21%as on March’20 as against 15.50% in March’19. Net Non Performing Assets (NNPA) reducedto 5.78%as on March’20 down from 7.18% as on December’19 and 6.56% as on March’19. Provision Coverage Ratio (PCR) improvedto 77.79% as on March’20 from74.50% as on March’19


Capital Adequacy

CRAR as on March 31, 2020 improved to 14.14% from 9.73% as on March 31, 2019. Out of which Tier-I CRAR is 11.90% and Tier-II CRAR is 2.24% as on March’20.



Percentage share of transactions through Alternate Delivery Channels increased to 73% in March’20. Internet Banking User Base increased YoY by 13.5%. PNBOne (Mobile Application)User Base increased YoY by 224%.


Priority Sector

Priority sector and Agricultural Credit isRs. 1,82,344Crore&Rs. 79,707 Crore, respectively, as on March’20. Credit to Small and Marginal farmers isRs. 40,512 Crore as on March’20. National Goal achievement is 8.9% of ANBC, exceeding the target of 8.0%.   Credit to Weaker Sections is at Rs. 50,850 Crore as on March’20. National Goal achievement is 11.30% of ANBC, exceeding the target of 10.0%. Credit to Women Beneficiaries is Rs. 30,580 Crore as on March’20. The Bank has achieved National Goal at 6.8% of ANBC as against the target of 5%.

Financial Inclusion

Amount mobilized under Pradhan Mantri Jan DhanYojana stood at Rs. 5,780Crore as on Mar’20. Enrollment under PMJJBY, PMSBY & APY:-                                                                                                                                           (Nos. in Lakh)


Pradhan MantriJeevanJyotiBimaYojana (PMJJBY) 15.7 17.5

Pradhan MantriSurakshaBimaYojana (PMSBY) 69.6 74.0

Atal Pension Yojana (APY) 4.1 5.1


ker Sections stood at Rs. 50850 crore as on March’20. Credit to women beneficiaries stood at Rs. 30580 Crore as on March’20. The Bank has achieved National Goal at 6.8 % of ANBC as agai

NewFintech Initiatives Undertaken For Customer's Convenience


Thumb work Technologies  WALNUT: Expense Manager which also facilitates fund transfer via PNB UPI services.  UPI handle: pnbpay Oracle: Chatbot Solution   PIHU integrated with PNB Net Banking and PNB ONE to resolve customer queries. India Innovation (KITE)  PNB KITE:  Co branded Prepaid Card with two flavours i.e. Corporate Card and Gift Card NSCSPL (E Rupaya)  Closed Group Card setup for small transactions. It can work in offline mode.


Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank

 Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank has become effective from April 1, 2020.  It has led to augmented Capacity, Capability and Reach    Wider geographical presence with a combined distribution network of 10910 branches&13530 ATMs in India.   Customer base of 17 Crore+ customers with Deposits of Rs.10.71 Lakh Crore and advances of Rs. 7.62 Lakh Crore.  Positioned as the second largest Public Sector Bank in the country.  Realization of operational, revenue and cost synergies.  Roll out of verticalized Organization Structure to improve operational efficiency and provide steady growth momentum  Departmental Verticals at Head Office have been re-organized, and number of Zonal Offices & Circle Offices have been increased to 24 and 161, respectively.  Businessand Controlfunctions have been segregated to have focussed approach for business development and improve customer service.  4-tier credit delivery model with 23 LCB/ELCBs for loan accounts of Rs.50 Crore& above, 116 MCC for loan accounts from Rs.1 Crore to upto Rs.50 Crore, 135 PNB Loan Point (RAM/iRAM) for Retail, Agriculture & MSME Credit above Rs.10 Lakh to upto Rs.1 Crore and General Banking Branches for loan accounts upto Rs.10 Lakh.  50 Customer Acquisition Centresfor focussing on liability business from Corporates, Institutions, HNIs, NRIs including Wealth Management and Retail Business  Separate Recovery & ResolutionVertical formed for focused recovery action.  24 Zonal Risk Management Cellsoperationalisedto strengthen Risk Culture  Organization Structure shall go live on 01.07.2020 for PNB 2.0.

Social Media Presence of the Bank: (No. of Followers)


Facebook : 9.24 Lakh ( 1,50,572 ( 52,093 (( :32,243( :22,100 (


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