pnb analyst presentation sep 2710

8/8/2019 PNB Analyst Presentation Sep 2710

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Presentation on Performance for thePresentation on Performance for the


2/38

Customer Net Base60.3million

BusinessRs 4.82 laccrYOY

22.3%

At Rs 1.11lac crShare 40.6%

InterestIncomeRs 5575 crYOY47.1%

ProfitRs 4198 crYOY 32.2%

3.99%

2


3/38

Overview of Performance Half Year Sept 2010

OperatingProfitOperatingProfit::

41984198 32.232.2(Rs. Crore)

NetProfitNetProfit::

21432143 21.821.8TotalBusinessTotalBusiness

::482159482159 22.322.3

TotalAssetsTotalAssets 328208328208 21.221.2::

..CreditCredit

::208764208764 27.627.6

3


4/38

Profit (Rs. Crore)

Sl.Sl. ParametersParametersQ2Q2

Q2Q2

Q1Q1

VariationVariation

((Q211 overQ211 over

Amt.Amt. (%)(%)

11 InterestIncomeInterestIncome 53055305 64556455 59675967 11511151 21.7021.70

22 InterestExpensesInterestExpenses 33123312 34793479 33733373 166166 5.035.03

33 NII

(Spread)

(1NII

(Spread)

(1

2)

2)

19921992 29772977 25932593 984984 49.4149.41er ncomeer ncome ..

55 OperatingExpensesOperatingExpenses 11571157 15951595 13921392 438438 37.8137.81

66 Contribution(4Contribution(45)5) 386386 877877 500500 491491 127.01127.01

77 OperatingProfit(3+6)OperatingProfit(3+6) 16061606 21002100 20932093 494494 30.7530.75

88 ProvisionsProvisions 679679 10261026 10301030 346346 50.9650.96

4

99 NetProfitNetProfit 927927 10741074 10631063 148148 15.9315.93


5/38

Profit from Core O erations (Rs. crore)

'' ''

VariationVariationQ2'11Q2'11

''ParticularsParticulars

FY10FY10

FY11FY11 FY11FY11

AmountAmount Growth

Growth(%)(%)

TreasuryTradingProfitTreasuryTradingProfit 150150 3838 121121 112112 74.6774.67

Depreciation onInvestmentsDepreciation onInvestments 8383 6767 1414 1616 19.2819.28

NetProfitNetProfit

(ExcludingTreasuryOperations)(ExcludingTreasuryOperations)859859 11041104 961961 245245 28.5228.52

..

TreasuryTradingProfitTreasuryTradingProfit 150150 3838 121121 112112 74.6774.67

CoreOperatingProfitCoreOperatingProfit

5

(ExcludingTradingProfit)(ExcludingTradingProfit) 14561456 20622062 19771977 606606..


6/38

Provisions(Rs.Crore)

Sl.Sl. ParticularsParticularsQ2Q2

FY'10FY'10

Q2Q2

FY'11FY'11

Q1Q1

FY11FY11

Variation(Variation(Q2'11Q2'11

overoverQ2'10Q2'10))

Amt.Amt. %%

11 ProvisionProvisiontowardstowardsNPAsNPAs 5757 361361 550 304304 533.33533.33

00 3939 3939

33 StandardRestructuredStandardRestructured 7474 4040 23 3434 45.9545.95

ProvisionsforDe reciationonProvisionsforDe reciationon

Investment(Net)Investment(Net) 8383 6767 14 1616 19.2819.28

ProvisionsmadetowardProvisionsmadetoward

WealthTax)WealthTax) 463463 510510 496 4747 10.1510.15

66 OthersOthers 22 1010 47 88 400.00400.00

6

77 TotalProvisionsTotalProvisions 679679 10261026 1030 347347 51.1051.10


7/38

Break-up : Income (Rs. Crore)

Sl.Sl. ParametersParametersQtr2Qtr2

20102010

Qtr2Qtr2

20112011

Qtr1Qtr1

20112011

Variation(Variation(Q211Q211

overoverQ210Q210))

Amt.Amt. %%

11 Intereston

Advances

Interest

on

Advances

41494149 50355035 46724672 886886 21.321.322 InterestonInvestmentsInterestonInvestments 10931093 13971397 12751275 304304 27.827.8

33 Ot erInterestIncomeOt erInterestIncome 6363 2323 2020 4040 63.463.4

44 InterestIncome(1+2+3)InterestIncome(1+2+3) 53055305 64556455 59675967 11501150 21.721.7

55 OtherIncomeOther

Income 771771 718718 892892 5353 6.86.8

ofwhichofwhich

66 CoreNonCoreNonInterestIncome.InterestIncome. 568568 569569 694694 22 0.30.3

77 Recoveryin

Written

off

aRecovery

in

Written

off

a cscs 3535 8989 7676 5454 156.1156.1

88 TradingProfitTradingProfit 150150 3838 121121 113113 74.974.9

99 OthersOthers 1818 2222 11 44 22.222.2

7

1010 TotalTotalIncome (4+5Income (4+5)) 60766076 71747174 68636863 10971097 18.118.1


8/38

Fee Based Income (Rs.Crore)

Sl.Sl. ParticularsParticularsQ2Q2 Q2Q2 Q1Q1 VarVar (Q2'11overQ2'10)(Q2'11overQ2'10)

FY'10FY'10 FY'11FY'11 FY11FY11 AmountAmount %%

11 Collection&RemittancesCollection&Remittances 83 65 66 18.4 22.2

22 LC/LGLC/LG 102 140 131 38.6 38.0

33 Processing

ProcessingFees

Fees

109 148 210 39.4 36.2

44 Govt.BusinessGovt.Business 16 17 13 0.8 4.9

oc er enoc er en . .

66 ThirdPartyProductsThirdPartyProducts 1 4 3 3.6 600.0

77 ATMChargesRecoveredATMChargesRecovered 26 54 32 28.1 108.5

88 OthersOthers 33 33 28 0.3 0.9

AA Commission,Exchange&BrokerageCommission,Exchange&Brokerage 381 474 496 93.0 24.4

BB ExchangeProfitExchangeProfit 58 31 113 27.3 47.0

CC MiscFeeIncomeMiscFeeIncome 28 43 27 15.0 53.6

DD DividendIncome

MFDividend

Income

MF 101 22 58

79.4

78.6

1010 CoreNonInterestIncomeCoreNonInterestIncome 568 569 694 1.4 0.2

1111 RecoveryinW/oA/RecoveryinW/oA/cscs 35 89 76 54.3 156.1

8

. .

1212 OthersincDividend IncomefromsubOthersincDividend Incomefromsub 17 22 1 4.8 27.9

EE NonInterest

IncomeNon

Interest

Income 771 718 892

52.9

6.9


9/38

Break-up : Expenditure Rs. Crore

Sl.Sl. ParametersParametersQ2Q2

FY10FY10

Q2Q2

FY11FY11

Q1Q1

FY11FY11

VariationVariation

((Q211 /Q210)Q211 /Q210)

..

11 InttIntt.Paid

on

Deposits

.Paid

on

Deposits

30703070 31523152 30923092 8282 2.72.7

22 InttIntt.PaidonBorrowings.PaidonBorrowings 2020 5858 2727 3838 195.2195.2

33 OthersOthers 223223 269269 254254 4646 20.920.9

44 TotalInterestPaid(1+2+3)TotalInterestPaid(1+2+3) 33123312 34793479 33733373 166166 5.05.0

55 EstablishmentExpenses

Establishment

Expenses

727727 11131113 995995 386386 53.153.1

5a5a ProvProv forforwage/Pension/Gratuitywage/Pension/Gratuity 2525 250250 250250 225225 900.0900.0

5b5b EstabEstab.Expenseexcl.Prov..Expenseexcl.Prov. 702702 863863 745745 161161 22.922.9

..

77 OperatingExpenses(5+6)OperatingExpenses(5+6) 11571157 15951595 13921392 438438 37.937.9

88 TotalExpenses(4+7)TotalExpenses(4+7) 44694469 50745074 47654765 605605 13.513.5

9

# Rs. 125 cr. Provision for Pension Fund 2nd option & Rs 125 cr for Gratuity Fundbesides Rs cr towards AS-15


10/38

Cost & Yield Ratio

Sl.Sl. ParticularsParticularsQ2Q2 Q2Q2 Q1Q1

(Annualized)

FY 2010FY 2010 FY2011FY2011 FY2011FY2011

11 CostofDeposit[%]CostofDeposit[%] 5.675.67 4.964.96 5.025.02

22 CostofFund[%]CostofFund[%] 5.115.11 4.394.39 4.504.50

33 YieldonAdvances %YieldonAdvances % 10.7810.78 10.5510.55 10.2410.24

44 YieldonInvestment[%]YieldonInvestment[%] 6.556.55 6.696.69 6.786.78

55 Yieldon

Fund

[%]Yield

on

Fund

[%] 8.168.16 8.158.15 7.977.97

66 NetInterestMar in[%]NetInterestMar in[%] 3.503.50 4.064.06 3.943.94

10


11/38

Profitability Ratio (Annualized)

Sl.Sl. ParticularsParticularsQ2Q2

FY2010FY2010

Q2Q2

FY2011FY2011

Q1Q1

FY2011FY2011

11 Returnon

Assets

[%]Return

on

Assets

[%] 1.391.39 1.361.36 1.381.38

22 ReturnonNetworth %ReturnonNetworth % 24.8924.89 23.3923.39 24.7024.70

33 Opt.ProfittoAWF[%]Opt.ProfittoAWF[%] 2.502.50 2.682.68 2.802.80

.. .. ..

55 EstbEstb.Exp.ToTotalExp.[%].Exp.ToTotalExp.[%] 16.2816.28 21.9421.94 20.8920.89

p .

xp.

o

p .

xp.

o

.. .. ..

77 BookValueperShare[Rs]BookValueperShare[Rs] 472.51472.51 582.72582.72 548.66548.66

88 Earningspershare[Rs]Earningspershare[Rs] 117.60117.60 136.32136.32 135.53135.53

11


12/38

uarterl Net Interest Mar in 3.99 4.064.1

4.3

3.56

.

3.593.33

3.50

3.64

3.94

3.3

3.53.7

.

3.13

.

2.7

2.9

3.1

2.5

* Daily Average basis

12

NIM for Sept09 (HY) : 3.38% NIM for Sep10 (HY): 3.99%


13/38

Profit : Half Year (Rs. Crore)

VariationVariation

(Sep10 over(Sep10 over

epep

Amt.Amt. (%)(%)

11 InterestIncomeInterestIncome 1044910449 1242712427 2146721467 19781978 18.918.9

22 InterestExpensesInterestExpenses 66586658 68526852 1294412944 194.1194.1 2.92.9

33 NII(Spread)

(1NII

(Spread)

(1

2)

2)

37913791 55755575 85238523 17841784 47.147.1

44 OtherIncomeOtherIncome 18051805 16101610 36103610 194.8194.8 10.810.8

55 OperatingExpensesOperatingExpenses 24202420 29872987 47624762 566.9566.9 23.423.4

.. ..

77 OperatingProfit(3+6)OperatingProfit(3+6) 31763176 41984198 73267326 10221022 32.232.2

88 ProvisionsProvisions 14171417 20552055 34213421 638.8638.8 45.145.1

13

99 NetProfitNetProfit 17591759 21432143 39053905 383.5383.5 21.821.8


14/38

Provisions : Half Year .

Sl.Sl. ParticularsParticulars Sep09Sep09 Sep10Sep10 Mar10Mar10

VariationVariation(Sep10(Sep10

overSep09)overSep09)

Amt.Amt. %%11 ProvisionProvisiontowardstowardsNPAsNPAs

204204 911911 998998 707707 346.57346.57

22 StandardAdvancesStandardAdvances 00 7979 5454 7979

33 StandardRestructuredStandardRestructured200200 1717 233233

183183

91.5091.50

44ProvisionsforDepreciationProvisionsforDepreciation

onInvestment(Net)onInvestment(Net) 3232 8181 6868 4949 153.13153.13

ProvisionsmadetowardProvisionsmadetoward

55 IncomeTax

(Including

FBT

&

Income

Tax

(Including

FBT

&

WealthTax)WealthTax) 899899 10051005 19991999 106106 11.7911.79

66 OthersOthers

14

77 TotalProvisionsTotalProvisions 14171417 20552055 34213421 638638 45.0245.02


15/38

Income Half Year (Rs. Crore)

Sl.Sl. ParametersParameters Sep09Sep09 Sep10Sep10 Mar10Mar10

VariationVariation(Sep10(Sep10

overSep09)overSep09)

Amt.

Amt.

(%)

(%)

11 InterestonAdvancesInterestonAdvances 81758175 97119711 1670116701 15361536 1919

..

33 OtherInterestIncomeOtherInterestIncome 111111 4343 188.87188.87 6868 60.960.9

44 InterestIncome

(1+2+3)

Interest

Income

(1+2+3)

1044810448 1242712427 2146721467 19791979 18.918.955 OtherIncomeOtherIncome 18051805 16101610 36103610 195195 10.810.8

ofwhichofwhich

66 CoreNonCoreNonInterestIncome.InterestIncome. 11751175 12631263 24502450 8888 7.57.5

77 Recoveryin

Written

off

a/Recovery

in

Written

off

a/cscs 9999 165165 316316 6666 67.067.0

88 TradingProfitTradingProfit 509509 159159 803803 350350 68.868.8

15

..

1010 TotalTotalIncome (4+5Income (4+5)) 1225212252 1403714037 2507725077 17851785 14.614.6


16/38

Fee Based Income : Half Year (Rs.Crore)


Variation

Variation

Sep 10over

Sep 10

over

Sep09)Sep09)

AmountAmount %%

11 Collection&RemittancesCollection&Remittances 175 131 301 44 25.1

22 LC/LGLC/LG 208 272 474 64 30.8

33 ProcessingFeesProcessing

Fees 311 358 570 48 15.3

44 Govt.BusinessGovt.Business 28 30 76 2 5.3

oc er enoc er en .

66 ThirdPartyProductsThirdPartyProducts 1 7 7 7 928.6

77 ATMChargesRecoveredATMChargesRecovered 37 86 107 49 130.6

88 OthersOthers 57 61 99 4 7.6

AACommission,Commission,ExchExch &&

BrokerageBrokerage 840 970 1682 130 15.5

BB ExchangeProfitExchangeProfit 121 144 338 23 19.3

sc

ee

ncomesc

ee

ncome . .99 DividendIncomeMFDividendIncomeMF 183 80 323.7 104 56.5

DD CoreNonInterestIncomeCoreNonInterestIncome 1175 1263 2450 88 7.5

1010 Recover in W o aRecover in W o a cscs 99 165 316 66 66.9

16

1111 TradingProfitTradingProfit 509 159 803 350 68.8

1212 Others

Others

22 24 41 2 7.7EE NonInterestIncomeNonInterestIncome 1826 1611 3610 215 11.8


17/38

Ex enditure Half Year .

Sl.Sl. ParametersParameters Sep09Sep09 Sep10Sep10 Mar10Mar10

VariationVariation

(Sep10(Sep10

Amt.Amt. (%)(%)11 InttIntt.PaidonDeposits.PaidonDeposits 61936193 62446244 1196611966 50.8250.82 0.80.8

.. .. ..

33 OthersOthers 427427 523523 924924 96.4396.43 22.622.6

44 TotalInterestPaid(1+2+3)TotalInterestPaid(1+2+3) 66586658 68526852 1294412944 194.13194.13 2.92.9

.. ..

5a5a ProvProv forforwage/Pension/Gratuitywage/Pension/Gratuity 175175 500500 300300 325325 185.7185.7

5b5b EstabEstab.Expenseexcl.Prov..Expenseexcl.Prov. 14601460 16081608 28212821 148.07148.07 10.110.1

66 Ot erOperating

Expenses

Ot er

Operating

Expenses

785785 878878 16411641 93.8593.85 12.012.0

77 OperatingExpenses(5+6)OperatingExpenses(5+6) 24202420 29872987 47624762 566.92566.92 23.423.4

88 TotalExpenses(4+7)TotalExpenses(4+7) 90789078 98399839 1770617706 761.05761.05 8.48.4

17

# Rs. 125 cr. Provision for Pension Fund 2nd option & Rs 125 cr for Gratuity Fund

besides Rs cr towards AS-15


18/38

Cost & Yield Ratios : Half Year

Sl.Sl. ParticularsParticulars Se 09Se 09 Se 10Se 10 Mar10Mar10

(Annualized)

11 CostofDeposit[%]CostofDeposit[%] 5.795.79 4.994.99 5.385.38

22 CostofFund[%]CostofFund[%] 5.245.24 4.374.37 4.764.76

.. .. ..

44 YieldonInvestment[%]YieldonInvestment[%] 6.116.11 6.476.47 6.736.73

55 Yieldon

Fund

[%]Yield

on

Fund

[%] 8.218.21 7.927.92 7.887.88

66 Net Interest Mar inNet Interest Mar in 3.383.38 3.993.99 3.573.57

18


19/38

Profitabil it Ratios : Half Year


(Annualised)

11 ReturnonAssets[%]ReturnonAssets[%] 1.351.35 1.371.37 1.441.44

22 ReturnonNetworth[%]ReturnonNetworth[%] 23.6123.61 23.3423.34 24.5924.59

33 Opt.ProfittoAWF[%]Opt.ProfittoAWF[%] 2.432.43 2.682.68 2.622.62

44 CosttoIncomeRatio[%]CosttoIncomeRatio[%] 43.2543.25 41.5741.57 39.3939.39

55 EstbEstb.Exp.ToTotalExp.[%].Exp.ToTotalExp.[%] 18.0118.01 21.4321.43 17.6317.63

pt.Exp.

To

AWF

pt.

Exp.

To

AWF

1. 51. 5 1.1. 1.71.7

77 BookValueperShare[Rs]BookValueperShare[Rs] 472.51472.51 582.72582.72 514.77514.77

88 Earningspershare[Rs]Earningspershare[Rs] 111.58111.58 135.92135.92 123.86123.86

19


20/38

Business

SlSl.. ParametersParameters Se 09Se 09 Mar10Mar10 Se 10Se 10

VariationVariation

Se 10 Se 09Se 10 Se 09

.

Amt.Amt. (%)(%)

11 TotalTotalBusinessBusiness 394382394382 435931435931 482159482159 8777787777 22.322.3

22 TotalTotalDepositDeposit 230823230823 249330249330 273394273394 4257142571 18.418.4

..

44 CDRatio[%]CDRatio[%] 70.8670.86 74.8474.84 76.3676.36

20


21/38

Deposit (Rs. Crore)

Sl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10

VariationVariation

Sep10overSep09Sep10overSep09

Amt.Amt. (%)(%)

11 TotalDeposit

Total

Deposit

230823230823 249330249330 273394273394 4257142571 18.418.4

2a2a BulkBulk 2405924059 2178221782 1954419544 45154515 18.818.8

2b

2b

CD

CD

2542825428 2654026540 3605736057 1062910629 41.841.833 CoreDepositCoreDeposit 181336181336 201008201008 217783217783 3644736447 20.1020.10

44 CoreDep.ToTotal (%)CoreDep.ToTotal (%) 78.5678.56 80.6280.62 79.6679.66

55 SBDe ositSBDe osit 6977069770 7813378133 8729687296 1752617526 25.125.1

66 CurrentDepositCurrentDeposit 1905619056 2371723717 2368723687 46314631 24.324.3

77 CASADepositCASADeposit 8882688826 101850101850 110983110983 2215722157 24.924.9

21

88 ShareofCASA(%)ShareofCASA(%) 38.638.6 40.940.9 40.640.6


22/38

Advances- Industry w ise Breakup (Rs. Crore)

Sl. ParametersQ2

FY'10FYMar'10 Q2FY'11

%s arein

Gr.Non

foodCr.

Variation

Sept 10

over Sept'09

Amt. (%)

1 GlobalGrossAdvances 165391 188306 210856 45465 27.49

2 OverseasAdvances 5175 6973 9907 4732 91.44

3 Domestic

GrossAdvances

160216 181333 200949

40733 25.42

3a FoodCredit 2814 3267 3436 622 22.10

3b Dom.NonFoodGrossAdv. 178066 . .

ofWhich

4 Agriculture&Allied 25009 30207 32274 16.34 7265 29.05

88708

5a MSME Manufacturing 16090 20659 23472 11.88 7382 45.88

5b LargeIndustry 58789 68049 72657 36.79 13868 23.59

6 RetailLoans 17033 19214 22596 11.44 5563 32.66

6a Housing . .

6b PersonalLoans 956 1394 1369 0.69 413 43.20

6c EducationLoans 1902 2272 2631 1.33 729 38.33

6d OtherRetailLoans 5057 6010 8436 4.27 3379 66.82

22

7 CommercialRealEstate 10570 10382 9870 5.00 700 6.62

8 Services

&

Others

29911 29555 36644 18.55 6733 22.51MSME Advances: Rs 40267 cr YOY 32.03% Real Estate Advances Rs 22910 cr


23/38

AdvancesAdvances Industry wise BreakupIndustry wise Breakup210 Mar10 211 Var

MajorIndustrywise

Deployment

Sept'10/

Sept'09

Amt.

Industry

Share Amt.Industry

Amt.

Industry

Share Amt. (%)

(%)are

(%)

FoodProcessing

2567 3.43 3512 3.96 3065 3.19 498 19.40

Textiles 5217 6.97 6414 7.23 6406 6.66 1189 22.79

Chemical&Chemical

Products 2483 3.32 2682 3.02 2947 3.07 464 18.69

Cement&CementProducts 1163 1.55 1189 1.34 1590 1.65 427 36.72

BasicMetal

&

Metal

Products

8658 11.56 9388 10.58 9541 9.93 883 10.20

Iron&Steel 7658 10.23 8266 9.32 8117 8.44 459 5.99

Petroleum 2035 2.72 2109 2.38 2095 2.18 60 2.95

EngineeringProducts 2465 3.29 2321 2.62 3641 3.79 1176 47.71

Infrastructure 23237 31.03 24520 27.64 29288 30.47 6051 26.04

Power

8798 11.75 9914 11.18 12283 12.78 3485 39.61

TeleCommunication 5681 7.59 5748 6.48 6822 7.10 1141 20.08

Roads&Ports 4918 6.57 5384 6.07 5499 5.72 581 11.81

Others 3840 5.13 3474 3.92 4684 4.87 844 21.98

23

Industry (Micro,Small,

Medium,large) 74879 100.00 88708 100.00 96129 100.00 21250 28.38


24/38

InvestmentRs. Crore

Sl.Sl. ParticularsParticulars Sep09Sep09 Mar10Mar10 Sep10Sep10

11 GrossInvestmentGrossInvestment 7047570475 7805878058 8657586575

22 HeldToMaturity(HTM)HeldToMaturity(HTM) 5593755937 6101361013 6671266712

33 AvailableForSale(AFS)AvailableForSale(AFS) 1307713077 1397313973 1803418034

55 Duration(AFS)Duration(AFS) 2.562.56 2.342.34 2.642.64

66 ModifiedDuration

(AFS)

Modified

Duration

(AFS)

2.442.44 2.232.23 2.512.51

77 DurationTotalPortfolioDurationTotalPortfolio 4.84.8 4.664.66 4.784.78

88 ModifiedDurationTotalPortfolioModifiedDurationTotalPortfolio 4.634.63 4.494.49 4.594.59

1010 SLR(%)SLR(%) 32.8632.86 26.0426.04 23.6623.66

1111 HTMToSLR(%)HTMToSLR(%) 8888 8989 87.8587.85

24

1212 HTMToGrossInvestment(%)HTMToGrossInvestment(%) 7979 7878 77.0677.06


25/38

Non-Performing Assets ( Rs. Crore)


11 NPAasatthebeginningofYr.NPAasatthebeginningofYr. 25072507 25072507 32143214

22 Cash

Recovery

Cash

Recovery

407407 950950 71471433 UpgradationUpgradation 252252 328328 198198

44 WriteOffWriteOff 9595 853853 405405

55 TotalReduction

(2+3+4)Total

Reduction

(2+3+4) 754754 21312131 13171317

66 FreshAdditionFreshAddition 859859 28382838 21272127

77 GrossNPAsendperiodGrossNPAsendperiod 26192619 32143214 40254025

88 EligibleDeductions

including

ProvisionsEligible

Deductions

including

Provisions 23862386 22332233 25992599

99 NetNPAsNetNPAs 233233 982982 14261426

1010 RecoveryinwrittenRecoveryinwrittenoffdebtA/CsoffdebtA/Cs 9999 316316 165165

25


26/38

NPA Ratios (In per cent)


11 NetNPA(%)NetNPA(%) 0.140.14 0.530.53 0.690.69

22 GrossNPA %GrossNPA % 1.581.58 1.711.71 1.911.91

33 NPACoverageRatio(%)NPACoverageRatio(%) 91.1191.11 81.1781.17 77.1377.13

26


27/38

Restructured Accounts (Rs. Crore)Sl.Sl. ParticularsParticulars No.No. Amt.Amt.

11 BelowRs.1BelowRs.1CroreCrore 1478214782 622.74622.74

22 Rs. 1Rs. 1CroreCrore &above&above 622622 12921.8112921.81

33 Total

Total

1540415404 13544.5513544.55

3a3a OfOfwhichFY08whichFY080909 1265812658 4074.684074.68

3b3b OfOfwhichFY09whichFY091010 25492549 8021.018021.01

3c3c OfwhichApril10OfwhichApril10June10June10 5555 909.90909.90

3d

3d

Ofwhich

July10Of

which

July10

September10

September10

142142 539.06539.06

OfTotalaccountrestructuredasat3aboveOfTotalaccountrestructuredasat3above

44 StandardA/crestructuredStandardA/crestructured 1455214552 13280.813280.8

55 NPAA/NPAA/cscs restructuredrestructured 852852 263.75263.75

66 OfStandard

A/Of

Standard

A/cscs restructured

as

at

4

above

restructured

as

at

4

above

aa AccountsslippedtoNPAAccountsslippedtoNPA 806806 1195.311195.31

bb OfwhichApril10OfwhichApril10June10June10 3838 263.34263.34

27

cc OfwhichJuly10OfwhichJuly10September10September10 1313 156.54156.54


28/38

Sectorw ise Restructured AccountsRs. Crore

Sl.Sl.RestructuredRestructured

AccountsAccounts

No.ofNo.of

BorrowersBorrowers

Amt.Amt.

RestrctRestrct..

DiminutionDiminution

inFairinFair

ValueValue

Sl.Sl. ParticularsParticulars Mar'09Mar'09 Mar10Mar10 Sep10Sep10 TotalTotal

11 AgricultureAgriculture 3131 6363 00 9494

22 HousingHousing 1717 55 00 2222

11 UnderCDRUnder

CDR 2323 2058.932058.93 430.15430.15

ea s a eea s a e

44 IndustryIndustry 22862286 61956195 911911 93929392

ofwhichofwhich

AutoAuto 3535 1313 6868 116116

22 Under SMEUnder SME 14141414 1028.061028.06 14.1914.19

33 Others

Others

1396713967 10457.5610457.56 196.83196.83

AviationAviation 1919 645645 00 664664

DrillingDrilling 00 10941094 00 10941094

HotelHotel 6666 517517 7676 659659

Infrastructure

Infrastructure

591591 870870 617617 20782078

Cumulative since 01.04.08 to 30.09.10Cumulative since 01.04.08 to 30.09.10

33 BelowRsBelowRs

Iron&SteelIron&Steel 307307 15541554 00 18611861

PaperPaper 210210 251251 77 468468

PharmaceuticalPharmaceutical 135135 9090 4545 270270

aa 1cr1cr

33

bb

Rs1Rs1crcr &&

aboveabove622622 12921.8112921.81

Textiles

Textiles

710710 625625 00 13351335TradingTrading 132132 2626 00 158158

Gem&JewelsGem&Jewels 00 6666 00 6666

44 TotalTotal 1540415404 13544.5513544.55

28

t erst ers

TotalTotal 40754075 80218021 14491449 1354513545


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Capital Adequacy (Basel II)Rs. Crore

Sl.Sl. ParticularsParticulars Sep09Sep09 Mar10Mar10 Sep10Sep10

ap a unap a un

11 TierITier

I 1596115961 1740017400 1736417364

33 Total(TierI+II)Total(TierI+II) 2501625016 2693726937 2721827218

55 CapitalAdequacyRatio(%)CapitalAdequacyRatio(%) 14.7414.74 14.1614.16 12.6012.60

66 TierI %TierI % 9.419.41 9.159.15 8.048.04

77 TierII(%)TierII(%) 5.335.33 5.015.01 4.564.56

As er new uidelines of RBI while the uarter end RWA are to be taken , the

29

profit of Mar10 is to be taken in Tier I . In case the Sept10 profit is ploughed backthe CRAR increases to 13.59% & Tier I 9.03%


30/38

Ratios: Product iv it & Market ShareSl.Sl. ParametersParameters Sep09Sep09 Mar10Mar10 Sep10Sep10

11 DepositMarket

Share

(%)

Deposit

Market

Share

(%)

5.265.26 5.235.23 5.405.40

22 CreditMarketShare(%)CreditMarketShare(%) 5.285.28 5.335.33 5.455.45

33 BusinessPerBranchBusinessPerBranch ((Rs.Cr.)Rs.Cr.) 84.5184.51 87.1787.17 96.9796.97

44 BusinessPerEmployeeBusinessPerEmployee ((Rs.Cr.)Rs.Cr.) 7.187.18 8.078.07 9.039.03

30


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Value For Stakeholders

1.4

1.451.39

1.35

1.44

1.3724

25

23.52 23.61

24.51

23.39

1.3

1.35

Mar09 Sept09 Mar10 Sept1022

23

ReturnonAsset%ReturnonEquity%

582.72

50

100

15098.03

111.58123.86

.

200

400

600416.74

472.51 .

0


0


31

EarningperShareRslacs BookValueperShare Rs


32/38

Shareholdin Pattern (As on 30th Sept 2010)

Insurance

Co.11.26

MF&UTI

4.48

Gov.,57.80FII,

19.46

Non

FIs Banks

Institutions

4.90

32

2.10


33/38

ITInitiativesIn ormat on secur ty

To protect our valued customers from online frauds & phishingattacks, Registered Payee Mechanism enabled for Funds transferto ot er r party accounts n respect o eta nternet an ng

Users.Registration of third party accounts becomes effective after the

apse o ours an users are mme a e y n orme rougSMS Alert.

Mandatory registration of SMS Alerts for new Internet Banking.

Enterprise wide Data Warehouse Anti Money Laundering generates Alerts for followup of en e ransac ons an ac a e repor ng o usp c ous

Transactions.Customer Relationship Management (CRM) has been

33

.


34/38

New InitiativesLaunched World Travel Card in collaboration with

MasterCard, designed as a prepaid card for foreigntravelers outside India in 3 currencies viz. US

Dollar, EURO & British Pound

, used at all MasterCard enabled ATMs and Point of Sale

(POS) Terminals.

Value added benefits for PNB Debit Card holders:SMS Alert or transactions in accounts

Accidental death insurance cover upto Rs.2 Lacs free ofcharge

34

ECommerce Transactions


35/38

Current Overseas Presence

Type of officeType of office DestinationDestinationDate of CommencementDate of Commencement

of operationsof operations

BranchBranch

11 Offshore Banking Unit, MumbaiOffshore Banking Unit, Mumbai 2525thth September, 2003September, 2003

22 Kabul, AfghanistanKabul, Afghanistan 2626thth July 2004July 2004

33 Hong Kong MainHong Kong Main 1717thth December 2007December 2007

44 Kowloon Hong KongKowloon Hong Kong 22ndnd April 2009April 2009

55 DIFC, DubaiDIFC, Dubai 2020thth December 2009December 2009

SubsidiarySubsidiary 11 PNBIL, UK (5 branches)PNBIL, UK (5 branches) 1010thth May 2007May 2007

JointJointVentureVenture

11Everest Bank Limited,Everest Bank Limited,Kathmandu, Nepal (37 Branches)Kathmandu, Nepal (37 Branches)

January, 1997January, 1997

22 DRUK PNB Ltd., Bhutan (2 Branches)DRUK PNB Ltd., Bhutan (2 Branches) 2727thth January 2010January 2010

Rep. OfficesRep. Offices 11 AlmatyAlmaty, Kazakhstan, Kazakhstan 2323rdrd October, 1998October, 1998

22 Shanghai, ChinaShanghai, China 33rdrd September 2004September 2004

thth

35

44 Oslo, NorwayOslo, Norway 11stst October 2008October 2008


36/38

Increasin Global Foot rintsBankBank isis inin thethe processprocess ofof ::

pgra ng pgra ng epresentat veepresentat ve o ceo ce nn orway orway toto aa uu

fledged fledged branchbranch..

SettingSetting upup ofof representativerepresentative officeoffice inin Sydney,Sydney, AustraliaAustralia..

JSCJSC DanaDana BankBank inin KazakhstanKazakhstan..

SettingSetting upup ofof aa whollywholly ownedowned subsidiarysubsidiary inin Canada,Canada, headheadquarteredquartered atat VancouverVancouver..

36


37/38

Recognitions..

RankedRanked 2424thth asas perper ETET 500500 TopTop CompaniesCompanies ,, improvedimproved fromfrom 2626thth

RankedRanked 33rdrd inin FinancialFinancial SectorSector amongstamongst IndiasIndias 5050 biggestbiggest FinancialFinancialompanyompany asas per per us nessus ness oror surveysurvey

CSRCSR ExcellenceExcellence AwardAward 20102010 byby TheThe AssociatedAssociated ChamberChamber ofof CommerceCommerce andandIndustryIndustry ofof IndiaIndia (ASSOCHAM)(ASSOCHAM)..

WorldWorld HRDHRD CongressCongress recognizedrecognized BanksBanks OutstandingOutstanding contributioncontribution toto thethecausecause ofof EducationEducation..

warwar or or xce ence xce ence nn per ormance per ormance oror ..

NationalNational AwardAward forfor ExcellentExcellent performanceperformance inin lendinglending underunder PrimePrime MinistersMinistersEmploymentEmployment GenerationGeneration ProgrammeProgramme (PMEGP)(PMEGP) SchemeScheme inin NorthNorth Zone Zone forfor

yy aa ageage n ustryn ustry omm ss on,omm ss on, n stryn stry oo , , ovtovt.. ooIndiaIndia;;

BankBank awardedawarded AsiaAsia BestBest EmployerEmployer BrandBrand Award Award for for ExcellenceExcellence inin

37

TrainingTraining;;

BrandBrand ExcellenceExcellence awardaward underunder BankingBanking && FinancialFinancial ServicesServices byby CMOCMO AsiaAsia..


38/38

38

pnb analyst presentation sep 2710

Documents