PNB Business (as on 31/09/2022)
1. Global business
1.1 Gobal Deposits
1.2 Global Credit
PNB (YOY) growth
1. Agg deposit (yoy)
2. Net bank credit (yoy)
1. 20.23 lac crore
1.1 11.93 lac crore (CASA = 45%)
1.2 8.3 lac crore (RAM = 53.5%)
1. 7%
2. 12.84%
Profit & Provisions (Q2 - FY23)
Gross NPA & Net NPA
Operating profit = 5567 crore
Provisioning = 4906
Profit before tax = 661 crore
Net Profit Q2 FY 23= 411 crore (-62.8% bzoc Q2 FY22 net profit was = 1105 crore)
Gross NPA = 10.48%
Net NPA = 3.80%
Our Mission
Our vision
To offer quality financial services by leveraging technology to create value for customers and other stakeholders, opportunities for employees and thus, contributing to the economic growth of nation.
To be a globally trusted banking partner through customer-centric innovations, empowering employees and enriching lives of all stakeholders
RLLR
From 1/10/2022
Repo Rate (5.90%) + Mark-up (2.50%)
*Along with RLLR BSP of 25 bps will be charged
The change in rate cuts by RBI is transferred to the borrowers in a fast and quick manner.
MCLR
(Marginal Cost of Funds based Lending Rate)
Define = It is the rate below which a bank cannot charge its customers. It is set by the bank adhering to the guidelines set by the RBI for it. It is usually revised half-yearly or on an annual basis.
It’s an internal benchmarking where the bank sets its interest rate considering its own cost of funds.
8.05% + bsp
Last changeda year ago