Punjab National Fixed Deposit Rate. Kontrollera ditt gratis kreditresultat inom 2 minuter på nätet Klicka här. Punjab National Bank Fast Deponeringsränta - FD-kurs i Indien. Ett fast inlåning FD-konto, som namnet antyder, är ett sparande och investeringsalternativ där pengar kan deponeras under en bestämd tidsperiod. Det tjänar ett fast ränta som beror på det huvudsakliga beloppet som deponeras. Räntesatsen är högre än ett vanligt sparkonto, vilket gör det till ett populärt investeringsalternativ. Inlåning av pengar i fasta konton har varit normen bland Indianer länge nu Detta beror på att det är ett säkert instrument för investeringar som har en säker avkastning och är fri från volatilitet och marknadsrisker. Blandade insättningar öppnas under en tidsperiod som vanligtvis sträcker sig från sju dagar till en Maximal tioårsperiod I vissa fall kan vissa banker låta dig öppna en insättning för längre. När insättningen förfaller, krediterar banken huvudbeloppet tillsammans med räntan till bankkonto anges på ansökningsblanketten när FD öppnas. Räntesatserna bestäms av respektive bank, som i Indien, i allmänhet varierar mellan 4 och 8 per år. Om du har några tomgångar är det säkert att investera i en FD alternativ Den goda nyheten är att öppna en FD är enkel och själva dokumentationsprocessen är problemfri och enkel. Förutom banker erbjuder NBFC och företag också fasta inlåning. Nationalbankens insättningsräntor. Som tidigare nämnts betalas räntan på en fast deposition varierar beroende på det belopp som deponeras, perioden och den utfärdande banken. Den allmänna tumregeln är, ju längre insättningsperiod, desto högre räntesats. Men en bank kan också erbjuda en lägre räntesats för längre tid räntesats om räntorna förväntas falla i framtiden Punjab National Bank Räntesatser varierar vanligtvis från 4 till 8 per år. Punjab National Bank FD-räntor. Följande är en översikt över Punjabs nationella bankräntor och Punjab National Bank Short Term Fast Deponeringsräntor. Punjab National Bank Räntesatser på fasta inlåning 2015 2016. Tänk på att dessa satser kan ändras när som helst och kan ändras enligt bankens eget gottfinnande. För de senaste räntorna är det lämpligt att kontrollera med Punjab National Bank directly. Rate of Interest på enstaka inhemska terminsdepositioner och NRE Termins Depositer på upp till Rs 10 Cr. Punjab National Bank FD Räntesatser för seniorer. Seniorborgarnas deposition är utformad för att ge pensionärer med den extra bufferten i Deras pensionsår i form av en tilläggsränta över rådande räntor för regelbundna FDs Punjab National Bank erbjuder speciella Senior Citizen FD-priser som i allmänhet är marginellt högre än de priser som gäller för en vanlig FD Se tabellen ovan för Punjab National Bank Senior Citizen FD rate. How att beräkna Punjab National Bank Fixed Deposit Interest. There finns många online webbplatser som har lättanvända FD-kalkylatorer Du ca N Använd sådana online-resurser för att hjälpa dig att identifiera hur mycket intresse du kommer att tjäna på ditt huvudbelopp Användning av online FD-kalkylatorer är enkelt och sparar dig besväret att beräkna det manuellt. FD-kalkylatorn ger en exakt uppskattning av avkastningen på ditt huvudbelopp direkt Det Är flera online-webbplatser som gör det möjligt att beräkna ränteintäkterna. Du kan referera till bankens senaste räntor när du använder kalkylatorn. Användning av en online-resurs hjälper till att bestämma hur mycket du vill investera Det hjälper till att identifiera slutlig löptidsbelopp Du kan också beräkna räntan och löptidvärdet på huvudbeloppet med hjälp av följande formel. Beräkna IDBI FD Rate. A Maturity Value. P Principal Amount. r Ränta. t Antal år. Sammansatt räntefrekvens. Jag ränteförtjänt. Punjab National Bank FD Premature Återköpsstraff. Även om du inte kan dra tillbaka pengar från en FD före förfallodagen, kommer banken att låta dig ta ut pengarna M insättningen prematurt om du vill Banken tar vanligtvis en nominell påföljd som meddelas dig vid tidpunkten för ansökan av FD Alternativt kan du välja en kassekredit. Punjab National Bank FD FAQS. What är perioden för en fast Insättning i Punjab National Bank. Minimumsperioden för fast insättning är 7 dagar och kan gå upp till 179 dagar för vissa typer av FD-system. Vad är det lägsta beloppet som krävs för att öppna en fast insättning med PNB. Minsta belopp för en fast deposition är Rs 100. Vilken är berättigad att öppna en FD med Punjab National Bank. Ett fast inlåningskonto kan öppnas av individer, två eller flera personer gemensamt i deras namn, företag, företagsorgan, partnerskap, privata och aktiebolag, klubbar Och föreningar. Vilka är berättigade att öppna en äldreborgersättning. Indiska medborgare i åldern 60 år och äldre är berättigade till att öppna en äldreborgers fast deposition. Är TDS dras av för FD-konton. Ja, TDS är tillämpligt enligt regler Banken utfärdar Ues TDS-certifikat för avdragsgilla skatt. CreditMantri är ett registrerat varumärke som tillhör CreditMantri Finserve Private Limited. Alla rättigheter reserverade Produktnamn, logotyper, varumärken och andra varumärken som anges eller hänvisas till inom Credit Mantri är deras respektive varumärkesinnehavares egendom. CreditMantri skapades för att hjälpa dig att ta hand om din kredithälsa och hjälpa dig att fatta bättre lånebeslut Vi stöder kunder med alla typer av kreditprofil - de som är nya för kredit och har en minimal eller obefintlig rekord för dem som har en problematisk historia och de som redan njuter en hälsosam profil Om du letar efter kredit kommer vi att se till att du hittar det och se till att det är den bästa möjliga matchningen för dig. Hur hjälper vi dig Vi gör det möjligt för dig att få din kredit värdering direkt, online, realtid Vi får Din kreditpoäng online och ge en gratis kredithälsananalys av din CIBIL - eller Equifax-rapport. På grundval av analysen hjälper vi dig att hitta lån och kreditkort s Vi hjälper dig att förstå din kreditprofil, kreditinformationsrapport CIR och veta var du står Vi är en enda butik för alla dina kreditbehov Vi gör det enkelt för dig att bläddra igenom och jämföra de olika finansiella produkterna på erbjuda på marknaden tillgång till våra gratis och användarvänliga onlineverktyg och slutligen njut av en stressfri ansökan med snabba godkännanden. Vi ser till att du får ett bättre skott när du får ett godkännande för ett lån eller kreditkort som du använder eftersom vi matchar Långivarens kriterier för din kreditprofil Vi hjälper dig att undvika låneavvisande genom att noga bestämma din behörighet och matcha dig med rätt långivarsprodukt Vi uppnår detta med en spetskombination av datavetenskap och teknik som garanterar att både långivare och låntagare har en genomblickbar gemensam Plattform för att fatta sina beslut Vi behandlar dina uppgifter med största konfidentialitet och delar aldrig eller säljer det till någon Det är vår CreditMantri-garanti Vår Dedikerad och förstklassig kundservice kommer att gå den extra milen eller två för att stödja dig på alla steg i din kreditresa Våra 1 miljoner glada kunder är våra bästa omdömen. CreditMantri är Indien s nr 1-plats för kreditanalys och gratis kreditpoäng Online Låt oss hjälpa dig att ta kontroll över dina kreditmål och låsa upp dörren till din ekonomiska frihet.2017 CreditMantri. Have några frågor. Logga och skicka din fråga under Need Help section. All skriftliga frågor kommer att svaras inom en arbetsdag. Vi d Älskar att hjälpa dig genom varje steg längs vägen. Vårt kontor adress CreditMantri Finserv Private Limited 4: e våningen Sudhama, 36 Vijayaraghava Road, T Nagar, Chennai, Tamil Nadu 600017.Punjab National Bank. Har korsat flera landmärken, dvs Rs 9 65 lakh crore Global Business, Rs 8 50 lakh crore Inhemska affärer, Rs 5 50 lakh crore Global Deposits, Rs 4 00 lakh crore Net Advances, Rs 2 00 lakh crore CASA Deposits och Rs 12 000 crore Operat Bankens Global Business nådde Rs 9 65 lakh crore i slutet av mars 16 som återspeglar en tillväxt på 9 5 på årsbasis Bankens International Business stod i nivå med Rs 1,12,123 crore och registrerade en YoY tillväxt Av 11 2 Medan bankernas globala inlåning till 5 53 ls rs ökade med 10 3 ökade Net Advances tillväxten med 8 4 för att nå Rs 4 12 lakh crore per den 31 mars 2016. När det gäller nedre linjeparametrar S Rörelseresultat ökade från Rs 11 955 crore per 31 mars 15 till Rs 12 216 crore per den 31 mars 16 När det gäller nyckeltal var räntenivån på 2 95 för året som slutade den 16 mars fortsatt en av de högsta bland nationaliserade banker under Underställd period Vidare stod bankens CRAR på 11 28 över det föreskrivna regelverket. I denna bakgrund gläds dina styrelseledamöter av att bankens årsredovisning för 2015 16 tillsammans med dess reviderade årsredovisning redovisas. OPERATIONELLA HÖGPUNKTER . Banken genomförde ett nytt strategiskt tillvägagångssätt som heter Indradhanush, som kartlägger de sju centrala reformområdena för banken för att anpassa sig, utvecklas och trivas inför ökad konkurrens i det indiska banksektorn. Dessa sju områden är People Development, Öka CASA Retail Business , Förbättra CD-förhållandet genom Credit Growth, NPA Management, förbättra kundservicen, Digital PNB och öka utgifterna för inkomstkontroll Banken gjorde betydande framsteg på dessa områden. Mot Människor Utveckling har banken lanserat en ny mobilappbaserad e-lärplattform med namnet PNB Univ. Den är tillgänglig på alla större mobilplattformar, förutom webbaserad åtkomst via skrivbord eller bärbar dator för att ge snabb åtkomst till kvalitetsplan och högkvalitativ utbildning 24x7 direkt på handflatan. För att frigöra hela potentialen hos de nyligen rekryterade unga, energiska och tekniskt kunniga medarbetarna har banken initierat ett ombordstigningsprogram med namnet PNB Navodaya. Detta program kommer att bidra till att kanalisera medarbetarnas energier mot bankens utveckling och omvandla dem till brandambassadörer för företagstillväxt och organisationsmål. För att säkerställa en konsekvent överlägsen kundupplevelse och bättre anpassa sig till förändrade kunders förväntningar, lanserade banken en rad innovativa digitala produkter och lösningar som är följande. PNB ATM Assist Unique App gör det möjligt för kunden att inte bara hitta PNB: s bankomat utan också att hyra klagomål relaterade till ATMs. PNB MobiEase Mobile app för att tillhandahålla enkelrörsbankering. PNB Sova Lätt För att inaktivera och återaktivera lösenord för internetbank och mobilbank. Grön PIN-kod För att göra det möjligt för kunderna att få dubbla PIN-kort för betalkort direkt via SMS-begäran. Online PPF - och RD-kontoöppningsfacilitet. Online bokning av låsbartillfällning någonstans i Indien via företagets webbplats. Banken har också infört möjligheten att registrera för Mobile Banking genom stort nätverk med över 9000 bankautomater. Banken registrerade sin närvaro på sociala nätverk, dvs Twitter och LinkedIn, med målet att stärka varumärkes PNB på sociala medier och att engagera sig med kunder på ett kostnadseffektivt sätt. För att förbättra operativa processer har banken framgångsrikt migrerat CBS-databasen från M9000-servrar till nya Sparc Super Cluster M6 32-servrar på grund av detta har banken blivit den första banken i Indien för att implementera 4-nods aktiv RAC Real Application Cluster-inställning. Banken håller på att introducera PNB Unified Payments Interface UPI som möjliggör fondöverföring via Mobil App, koppla alla konton inklusive de som öppnats med andra banker för att göra transaktioner och underlätta för handlare att dra transaktionerna via Mobile App som en alternativ POS-överföring. För att förbättra återhämtningen har banken skapat ett krigssal på huvudkontoret, där dygnet runt NPA-övervakningen genomförs på ett systematiskt sätt. För att tillhandahålla kortbaserade transaktionstjänster har Micro-bankautomater introducerats på företagskorrespondentlokaler. Banken har blivit den första banken i banksektorn för att starta kontant insättning via Micro-bankomater. För att sprida finansiell medvetenhet över landets längd och bredd flaggade banken Vitiya Jan Chetna Abhiyan. Detta program kommer också att betona att skapa medvetenhet om Pradhan Mantri Jan Dhan Yojana, Atal Pension Yojana, Mudra Lån, Pradhan Mantri Jeewan Jyoti Yojana och Pradhan Mantri Jan Suraksha Yojana. För kvinnoutveckling har banken formulerat nya system enligt PNB Vanitas finansieringssystem, PNB PoWer Savings och Mahila Kaushal Vikas Yojna. Under 16 år invigdes 32 Akshaya-filialer, som endast drivs av kvinnor för kvinnokunderna. Finansdepartementet, Indiens regering, har förklarat PNB som den första bland alla banker i inlåning mobiliserad genom Pradhan Mantri Jan Dhan Yojana PMJDY-konton. C ASSET QUALITY. Bankens Gross NPA stod till Rs 55.818 crore i FY 16 FY 15 Rs 25 695 crore och NPA NPA stod vid Rs 35 423 crore i FY 16 FY 15 Rs 15 396 crore När det gäller förhållanden stod brutto NPA-förhållandet vid 12 90 i FY 16 FY 15 6 55 och Netto NPA-förhållandet stod vid 8 61 i FY 16 FY 15 4 06. Kumuleringen av stressade tillgångar förblev oro för banken Banken initierade olika åtgärder för att gripa in de inkrementella delinquenciesna och fräscha tappningar för att förbättra tillgångarnas kvalitet. I samtliga nationella partnerskapsavtal har man genomfört specifika beslutsfattande strategier och regelbundna övervakningar gjordes Dagliga framsteg för återhämtning i utestående NPAs Rs 10 lakh och övervakades och placerades före Top Management. Vidare antogs kompromisser förhandlade uppgörelser genom ett till ett möte med låntagare som en annan viktig strategi för att ta itu med NPAs Banken hade även 17 ARMBs för Asset Recovery Management Branches, vilka endast fungerar för att lösa NPA. Initiativ som tagits under FY 16. Under FY 16 anordnades två mega-försäljningskampanjer där bostads-, industri - och andra diverse kategorier av fastigheter satts till försäljning med bred publicitet Detta ökade antalet försäljningar och ledde till en väsentlig återhämtning under året. Banken har tagit initiativ till att effektivisera hela processen med SARFAESI-åtgärder Under 16 år har en noggrann uppföljning gjorts genom att säkerställa en snabb åtgärd och huvudspänningen gavs vid fysisk besittning av Immovable Properties IPs antingen med hjälp av stödorgan eller genom att flytta ansökan före DMM CMM Detta har resulterat i en ökning av andelen fastigheter under fysisk innehav av banken, vilket leder till fler auktioner under Mega Sale Campaigns. Under 16 år användes ett annat alternativ för att ta itu med den stigande nivån på NPA genom att lägga några svåra konton för försäljning till ARC. Därför såldes 15 konton med en utestående ränta på 1835 kronor till ARC. Samordnade uppföljningar gjordes också med Circle Office FGMOs för att ha dialog med låntagaren och garantierna, vilket har resulterat i ett högre antal avvecklingar under 16 år med en viss FY 15. Banken tog också initiativ för att identifiera Willful Defaulters och enligt Reserve Bank av Indiens riktlinje, meddelades utgivning till olika låntagare som befanns ha begått en handling av Willful Default. Som ett resultat under 90 år blev 904 låntagare slutligen deklarerade som vilseledare. Under FY 16, 6898 Rin Mukti Shivirs, erhölls kontantåtervinning av Rs 742 98 crore från 1,16,825 konton och uppgradering av 49.702 konton med en utestående balans på Rs 1224 50 crore. Således löstes NPAs med Rs 1967 48 crore i dessa shivirs . OTS marknadsfördes som en produkt för snabbare upplösning av NPA och OTS i 84104 konton godkändes Genom väldefinierad återhämtningspolitik Rs 854 93 crore återhämtades i godkända OTS-fall genom förhandlade uppgörelser. På grund av ovanstående utmärkta initiativ och samordnade uppföljningar för återhämtning och uppgradering återhämtade banken Rs 4724 58 crore i konton minskade under FY 16. NPA-konton per 31 03 15 med en sammanlagd utestående på Rs 1381 66 crore uppgraderades till Standardkategori Totalt Kontanta återvinningar i NPA-konton uppgick till Rs 4261 88 crore Under 16 år räddade banken Rs 2296 95 ut av räkenskaperna som tidigare skrivits av. Inklusive Technical Write off. D INDUSTRIAL RESTRUKTURERING. Standardens omstrukturerade förskott har kommit ner från Rs 38.315 crore för FY 15 till Rs 20144 crore för FY 16.a Industriell rehabilitering. Banken fortsatte sina ansträngningar för rehabilitering av potentiellt livskraftiga sjuka enheter för att ge den välbehövliga befrielsen till industrisektorn genom omstrukturering av skulden Banken har tilldelats rollen som Operation Byrån för industriell och finansiell återuppbyggnad BIFR i antal konton Under 16 år utarbetades förslag till rehabiliteringssystem DRS av banken som verksamhetsbyrå för BIFR i fyra konton och banken har också genomfört rehabiliteringspaket i ett fall som sanktionerats av BIFR under FY 16.b Corporate Debt Restructuring CDR. För att säkerställa en omedelbar omstrukturering av skulden hos lönsamma företag som utnyttjar kreditfaciliteter inom konsortiet Flera banker, en transparent mekanism bildas under CDR-systemet Under 16 år var ett konto med enastående 38 38 cr crore omstrukturerat under CDR. Av 84 omstrukturerade konton har PNB tilldelats övervakningsinstitutionens roll i 18 konton. Mekanismen för små medelstora företag. Banken har redan antagit en skuldåterställningsmekanism för små medelstora företag DRM för små och medelstora företag i linje med CDR sedan FY 06 Under 16 år omstrukturerade banken 17 konton med en sammanlagd utestående på 247 10 Rs. Banken har Inrätta också en öppen mekanism för omstrukturering av skulder av potentiellt lönsamma enheter, vilka står inför tillfälliga problem till faktorer utanför deras kontroll även för fall som inte kan täckas av BIFR CDR DRM för små och medelstora företag Under 16 år skedde 19 konton med Rs 1002 56 crore omplacerad enligt denna kategori. E DIGITALISERING TILL DIGITAL PNB. Banken genomförde flera initiativ i fortsättningen Ansträngningar att ge kunderna bättre, snabba och effektiva tjänster. Dessa initiativ var ett steg mot pengar mindre samhälle och papperslös bank. E 1 Alternativa leveranskanaler. Internetbank Banken har tillhandahållit Internetbankingstjänster med följande varianter, t. ex. Retail Internet Banking och Corporate Internet Banking Internet Banking Kunderna i banken nådde 47 lakh per 31 mars 2016 Banken uppdaterade också sina Internetbankingstjänster under 16 år som ges som under. Revamped Corporate Internet Banking Module, vilket gör det enklare och lättare att använda. Lanserad PNB Sova enkelt att blockera upplåst transaktionslösenord för IBS och Mobile Banking när det inte krävs notering och personalisering av debetkort. Online-återställning av PIN-nummer för betalkort. Online-ansökan för OD under PMJDY-konton via IBS. För att stärka säkerheten vid Internetbankingstjänster har banken genomfört digital signatur som en andra faktor för autentisering för att göra transaktioner I Retail och Corporate Internet Banking. b Mobile Banking Banken tillhandahåller även Mobile Banking till cirka 24 lakh kunder per den 31 03 2016 Banken har tillhandahållit Mobile Banking Services med följande varianter. i SMS Banking User måste skapa SMS i fördefinierade format s. ii Browserbaserad mobilbankering Detta kräver att mobiltelefonen är aktiverad med GPRS eller Wi Fi. iii Application Based Mobile Banking Användaren kan ladda ner app från respektive appbutik. För närvarande tillhandahåller Banken Mobile Banking App för Android, iOS, Blackberry och J2ME Platforms. iv National Unified USSD Platform NUUP Detta erbjuds på en kort kod 99, vilket är en gemensam plattform för alla banker mana Banken till NPCI National Payment Corporation. Under 16 år lade banken följande funktioner som är följande: PNB MobiEase Med denna mobilapp behöver du inte komma ihåg syntax för att skicka SMS för olika förfrågningar, dvs. Balansförfrågan, Mini-uttalande , Kontrollera bokförfrågan etc. Value Added Services Facility för mobil och DTH-uppladdning är tillgänglig via Mobile Banking. PNB ATM Assist En mobilapp för att hitta bankomater i banken med hjälp av GPS och även lämna in klagomål angående funktionaliteten hos ATM. Online användarregistrering och lösenord Återställ för Mobile Banking utan att ingripa av filial. Online ansökan om OD under PMJDY-konton via Mobile Banking. PNB introducerade hindi version av Mobile Banking. c SMS Alert Services Den 31 mars 16 har cirka 3 95 crore kunder prenumererat på SMS Alerts Services I genomsnitt per dag genereras och levereras 29 92 lakh SMS Alerts till dessa kunder. SMS Alerts genereras för identifierade transaktioner kredit d ebit gjort på grenar, bankautomater, IBS, mobilbanker och POS-terminaler. Dessutom skickas SMS-varningar även för icke-finansiella aktiviteter som födelsedagar, mobil ingen registreringsändring, adressnamnbyte, byte av internetbanköverföring lösenord , Låneavdrag försenad, FD-konto förfall, FD-konto Mognad, NEFT N10-bekräftelse, RTGS-transaktioner med UTR-nummer, Balans på missat samtal mm. Kanalen levereras också för att tillhandahålla reklammeddelanden som information om bankens produkter och andra tjänster till Banken har uppskattat kunder. Banken har kontinuerligt lagt till nya funktioner som. SMS-varningar implementerade i 5 regionala landsbygdsbanker. Mandatory Non Mandatory Feature Introduced. Customer har möjlighet att välja mellan obligatoriska och icke-obligatoriska varningar så att om kunden kräver endast obligatoriska varningar, han får inte debiteras. Callcenter har tillgång till tillgång till SMS-varningshistorik som skickas till kunden för att kunna för att påskynda klagomålsupplösningsprocessen i samband med SMS-varningar och OTP. CIBIL Watch Alert Alerts skickas till avdelningschefer via information från CIBIL om PNB-lånskunder närmar sig någon annan Bank for loan. Housing Car Loan Alert Alert skickas till kunden och erkänner hans Begära när han besöker PNB bostadsbil lån webbplats och skickar en begäran om att ringa tillbaka från PNB. Cheque Presentation Alert Alert skickas till kunden när en check presenteras i hans konto, vilket ger gott om tid att svara innan samma rensas.15G 15H Alert Alert skickas till kunder som begär inlämning av 15G H för att undvika avdrag för Tax. d-bankomater. Banken har ett stort nätverk av 9463 bankomater spredt över landets längd och bredd per den 31 03 2016. De olika nya initiativ som banken tagit För att öka användningen av bankomater är följande. E Övervakningssystem har installerats på ATM-platser för att begränsa förekomsten av vandalism och inbrott. Till 31 03 2016 är 6136 webbplatser anslutna och övervakade av E Surveillance. För att minska nedtiden på bankomater på grund av elfel installeras Solar UPS Till 31 03 2016 installerades 450 Solar UPS på potentiella platser. För onlineövervakning av ATM och omedelbara korrigerande förebyggande åtgärder i händelse av att bankomater sätter ner, har ESQ ATM övervakningssystem installerats. Självbetjäningskiosk Banken har installerat 1721 kontantinbetalnings multifunktionskiosk inklusive PNB Cash Acceptor med ATM, 383 elektronisk check Maskiner och 3214 Pass-bokuppdateringsmaskiner över hela landet Maskinerna installerade i e-lobbyn görs tillgängliga för kunderna 24 7 Kunderna får tillgång till samma som för deras bekvämlighet. För att förbättra tillgängligheten av självbetjäningsarealmaskiner, ett realtidsövervakningsverktyg för fjärrövervakning av SSA Machines har implementerats för effektiv övervakning och för att minska ner tiden. E 2 Check Truncation System CTS Primär plats för CTS Western Grid har skiftats från LCC Mumbai till Belapur Nu deltar alla grenar under Western Grid i CTS clearing genom Belapur Siteplete-infrastrukturen i LCC Mumbai har flyttats till Data Center Delhi och DR-platsen för Western G rid är etablerad hos Data Center Delhi. E 3 IT-säkerhet Banken har informationssäkerhetspolicy som godkänts av styrelsen och granskas varje år för att hålla den uppdaterad enligt senaste trend och bästa praxis. Informationssäkerhet Arkitektur Implementeringskommitté ISSAIC-möten hålls månadsvis för att granska och rekommendera genomförandet av informationssäkerhetsställning. Webbplatsen har gjorts WCAG Web Compatibility Access Guideline Version 2 0. Företagets hemsida har gjorts IPV6-kompatibel. Säkerhetsoperationscenter har uppgraderats från RSA Envision till RSA Security Analytics. Informationssäkerhetsrevision och processrevision har utförts av externa kvalificerade informationssäkerhetsrevisorer med jämna mellanrum. Omfattningen omfattar extern attack och penetrationstest, sårbarhetsbedömning och penetrationstesting VAPT, WAN Revision och processrevision. ISO-certifiering har uppgraderats från ISO 27001 2005 till ISO 27001 2013 för datacenter, NOC och DR Site. Business Continuity Plan Disaster Recovery BCP DR. Banken har en väldefinierad Business Continuity Plan BCP för att tillhandahålla un interrupted Customer Services vid eventuell exigency. Banken har fullt fungerande Disaster Recovery Site DRS i sitt datacenter och andra kritiska applikationer med väl definierat RTO och Recovery Point Objective RPO. DR-borrning genomförs regelbundet för att fortsätta att testa sin funktionella beredskap. Den 31 mars 16 är DR-platsen tillgänglig för 65 applikationer inklusive kritiska. E 4 Övriga initiativ. En Micro-bankomater Under PMJDY-kontoöppningsdriften har ett stort antal spararkonton varit öppnade och RuPay betalkort har utfärdats För att tillhandahålla kortbaserade transaktionstjänster till sådana kunder har konceptet Micro ATMs införts på företagskorrespondent. Micro ATM är i grunden PoS Handheld Terminal-maskiner med magnetbandstrålkortsläsare och krypterad stiftkudde. För närvarande har kunden Anläggningen för kontantuttag och balansförfråganstransaktion via Micro ATM Transaktion sker i online-realtidsläge och kvittot genereras omedelbart av Micro ATM. Anläggningen gjordes i 4410 Micro-bankomater och banken är under färd med att implementera samma vid Kvarvarande BC-platser. Branch-status för fastighetsskåp För att få en skåp på hyra måste kunderna som etimes gör antal besök på en viss gren för att fastställa lediga lockers ställning. Även vissa grenar i samma stad kan ha lediga skåp. Andra kan ha väntelista över kunder för utgivning av skåp. För att lösa problemet, wef 24 09 2015, befintliga potentiella kunder har fått möjlighet att lokalisera filialt ledigt lockerstatus på företagswebbplatsen. En mekanism har också införts för att uppdatera denna lediga lockerstatus på bankens hemsida dagligen. c Betalningssystem för PAO CDDO-filer från PFMS. Ministry of Finance, Indiens regering har fattat ett beslut att behandla alla betalningar som obetald betalning inklusive PAO CDDO betalningar av olika ministerier genom PFMS under finansministeriet och att integrera olika fristående system Dessa betalningar ska vara digitalt signerade och skickade genom PFMS central server Betalningsfilerna från PFMS behandlas via PFMS PAO portal. Generation of e Betalningsrullar, Check Scrolls, Receipt Scrolls har integrerats i detta system från 01 11 15.d Outward Mandate Management System För att hjälpa affärskontoren att skaffa sig företagskunder som vill samla in pengar från sina kunder regelbundet på grundval av deras mandat utvecklades ett internt bolag Outward Mandate Management System har satts in live wef 03 02 16 För att samla EMI enligt mandat från PNB-låntagare, kan Debit Transaction File Outward ACH Debit också genereras av servicebranschen genom detta system. e Implementering av nya Sparc Super Cluster M6 32. servrar Den 18 10 2015 har banken framgångsrikt migrerat CBS-databasen från M9000-servrar till nya Sparc Super Cluster M6 32-servrar på 4 Node RAC Real Application Cluster Architecture från tidigare 2 Node RAC PNB är den första banken i Indien som implementerar 4 nod aktiv RAC Real Application Cluster setup Denna implementering kommer att hjälpa banken i framtida kostnadsbesparingar och ge olika operativa fördelar. f Zero Data Loss Center ZDLC Bankens ZDLC började fungera från den 29 02 2016 ZDLC kommer att fungera som Bankens tredje rad försvarssystem Bankens transaktionsdata skulle samtidigt infångas vid DC och ZDLC och därefter replikeras på DR-webbplats, vilket garanterar 100 synkronisering eller tillgänglighet av transaktionsdata Det här säkerställer ingen dataförlust för kritiska transaktioner och därigenom hjälpa organisationen att kväva operationsrisk, rykterisk och öka intressenternas förtroende. F Management Information System. För att uppnå det mål som Management Division Division Division MISD upprättades, Enterprise wide Datavarehus EDW genomfördes 2008 EDW-upprättandet har underlättat redo tillgång till data som krävs för lagstadgad rapportering och dessutom för analytiska ändamål Detta har minskat arbetsbelastningen av fältarbetare i stor utsträckning och bidrar till Top Management att fatta beslut i tid. Standardiserat tillvägagångssätt för Kreditrisken enligt Basel III har påverkats inleds genom LADDER Lån och Förskott Data Desk för utvärderingsrapporteringssystem som möjliggör beräkning av riskvägda tillgångar RWAs avseende låneförskott enligt RBI: s riktlinjer. Data för alla lånekonton överförs till fyra kreditinformationsföretag CICs, dvs CIBIL, Equifax, Experian High Mark på månadsbasis från Ladder System Bureau En lösning har trätt i kraft sedan 2012, vilket gör det möjligt för filialerna att rita kreditinformationsrapporter CIRs med bankens intranät CBS-nätverk för att ta kreditrelaterade beslut CIRs av 14,62,493 potentiella låntagare under konsumentkategori och 26.861 CIRs under Commercial category drogs från CIBIL, Experian, High Mark Equifax databaser under FY 16.Banken är skyldig att registrera uppgifterna om rättvisa inteckningar med Central Registry Om 4 19 lakh Immovable Properties IPs har registrerats hos CERSAI av banken till mars 2016 Syftet är att undvika flera finansieringar på samma IP, för att därigenom förhindra att fr auds genom att låna samma egendom till mer än ett finansiellt institut. En penningtvättlösning har implementerats för att skanna kunderna vid tidpunkten för kundköp och fondöverföring genom att verifiera olika klocklistor. Systemet hjälper också till att skicka in olika rapporter till FIU och andra regulatory bodies. G Branch and Office Network. The Bank has one of the largest Branch Network of 6759 as on 31 03 2016 Around 63 of the Bank s branches are located in Rural and Semi Urban areas To fulfill the banking needs of unbanked areas, 202 new branches were added to the vast network of branches during FY 16 Besides, 32 Women only branches named Akshaya were opened during FY 16 These branches are managed exclusively by women for the women customers only. The Bank has its overseas presence in 9 countries by way of 4 branches 2 Hong Kong, one Dubai, one OBU Mumbai , 2 Subsidiaries London Bhutan , one Associate at Kazakhstan , one Joint Venture at Nepal and 4 Representative Offices S ydney Australia, Shanghai China, Dhaka Bangladesh and Dubai UAE. The Bank is also exploring possibilities of overseas expansion in Sri Lanka, Canada, Brazil, Australia and China. H International Banking. The Bank had registered a foreign exchange turnover of Rs 1,33,881 crore for FY 16 showing a decline of 2 08 on YoY basis mainly due to slowdown in global economies and continuous decline in the country exports At present, the Bank has more than 200 branches authorised to handle foreign exchange business and a Centralized Back Office for Trade Finance at New Delhi specialized for centralized handling of trade transactions The Bank has specialized International Banking Branches at major export centres for extending services to the importer exporter customers Besides these Authorised Dealers AD branches, the Bank has 22 Exchange Bureaus at important tourist centres to facilitate encashment of foreign exchange currency notes travellers cheque by foreign tourist NRIs. The Bank is also having I nternational Service Branch at New Delhi for handling inward remittances for the Bank as a whole During FY 16, the Bank handled remittance business of about Rs 57,886 crore, showing growth of about 4 on YoY basis. The Bank has Rupee Drawing Arrangements RDA with 38 exchange Houses 32 in the Gulf, 2 in Singapore, 2 in the USA, 1 in Australia and 1 in Canada to facilitate remittance from NRIs. The Bank also has web based remittance arrangements under Money Transfer Service Scheme MTSS and has arrangements with 6 Money Transfer Organizations Worldwide. The Bank has actively implemented Gold monetization Scheme GMS launched by Government of India in FY 16 and systems and procedures have been put in place. I Operations Division. Organizational Restructuring Organizational structure plays a vital role in performance of any organization To improve the productivity and hence delivery, number of Circle Offices has been increased from 69 to 76 Existing 3 tier structure, with Circle Offices linking he ad office to the branches, is being changed to 4 tier structure where Zonal Offices will monitor the performance of Circle Offices and report to the Head Office. Business Processes Business processes are being continuously reworked at the micro levels to provide seamless banking experience to customers e g request issue of personalized cheque books through ATMs, relaxation in inter sol branch cash withdrawals and transfer transactions, introduction of payee s name in SMS sent on presentation of cheque for clearing, etc. Employee Suggestion Scheme To encourage innovative and progressive ideas through employees, Employee Suggestion Scheme is in vogue for existing as well as retired employees. Customers can also send suggestions through feedback or email to customer care centre at. J New Initiative Division. To improve the customer service and increasing business prospects, the Bank took up many initiatives which are as under. Towards brand positioning and connecting with the customers visitors on social media, the Bank has made its presence on Twitter LinkedIn On social media, the Bank launched various facilities for customers visitors viz regular updates on offers, customer care services including grievances redressal, etc. The concept of Digital village was evolved under which the village will be wi fi enabled along with OffSite e lobby having ATM, Cash Deposit Machine, Electronic Cheque Deposits Machine, Passbook Updation Machine, PC with internet connection and TV display unit. 121 new Offsite e lobbies started at institutional and cantonment areas to acquire business and improve service delivery. Skill development programmes like computer literacy, carpentry, advanced farming techniques etc are being conducted with focus on creating job opportunities and promote inclusive growth. For bringing more efficiency in the ATM functioning and profitability, ATM Profitability Model was designed This is in house designed software to monitor the functioning of ATMs Pan India with an aim to minimize eliminate the pay out. In order to communicate effectively with its customers and staff continuously, the Bank is coming out with concept of Reach in Reach out which will be akin to TV Channel. The Bank is also planning to launch Tab Banking for acquisition of new customers using the newly set up marketing vertical and PNB YUVA for youth with an objective to bring them in the Bank s fold through Mobile app. K Business Diversification. Mutual Fund The Bank is distributing and marketing Mutual Fund products of Principal PNB AMC UTI AMC During FY 16, the Bank mobilized total amount of Rs 3457 crore and Asset under Management stood at Rs 580 crore which earned brokerage of Rs 3 38 crore Total amount mobilized during FY 16 was Rs 2653 crore and Asset under Management Rs 515 crore.1 Life Insurance Business As a corporate agent of PNB MetLife India Insurance Co Ltd the Bank mobilized premium of Rs 964 crore Fresh Business Premium of Rs 411 crore Renewal Business Premium of Rs 553 crore during FY 16 from 1,12,200 policies, as against total premium of Rs 677 crore mobilized during FY 15, thus showing a growth of 42 The Bank s earnings from Life Insurance business during FY 16 amounted to Rs 85 crore as against Rs 60 crore during FY 15, showing growth of 42.Total business mobilized under Life Insurance business since inception is Rs 2840 crore, from 4,45,048 policies and total earning amounted to Rs 248 crore.2 Non Life Insur ance Business Under Insurance tie up with Oriental Insurance Co Ltd for Non Life Insurance business, the premium collection amounted to Rs 208 crore from 5 15 lakh policies mobilized by the Bank, which earned revenue of Rs 24 51crore as against Rs 21 87 crore, during FY 15 showing a growth of 12 Premium collected during FY 15 was Rs 193 crore from 4 40 lakh policies, thus showing a growth of 8 The Bank registered a growth of 31 in selling of customized health insurance policy PNB Oriental Royal Mediclaim and 1,58,175 policies were sold during FY 16 as against 1,20,797 policies sold during FY 15. Depository Services Depository Services as Depository Participants of NSDL CDSL is being provided through all branches covering more than 3500 centres across India The Bank earned an income of Rs 79 60 lakh during FY 16 for providing Depository Services. Online Trading Services Online trading facility is also being provided through the Bank s associates viz M s SMC Global Securities Ltd M s IDBI Capital Services Ltd and M s Networth Stock Broking Ltd An income of Rs 19 81 lakh was received from these associates on account of online trading activities during FY 16. Merchant Banking As Category I Merchant Banker, the Bank handled 42 assignments of Dividend Payment Interest Payments during the FY 16 and earned a float income of Rs 2 95 crore. Being Self Certified Syndicate Bank SCSB , Applications Supported by Blocked Amount ASBA facility for submitting of application in public issues IPO FPO Right Issue has now been made available from all the branches of the Bank This facility is also available online to Bank s CASA account holders both retail and corporate IBS users ASBA facility is also available for Syndicate Sub syndicate Members of SEBI. During FY 16, the Bank collected applications for Rs 812 crore for 93 assignments handled by the branches. Credit Card Credit Cards of the Bank have consolidated its market share during the year The Bank achieved a growth rate of 35 32 in issuance of cards during FY 16.The Bank also introduced Chip cards with PIN and One Time Password OTP to facilitate e commerce transactions To enhance customer awareness about security aspects, various steps are being regularly taken including sending text messages to cardholders of the Bank. Issuance activity has become an independent profit centre Profit from the activity increased to Rs 524 lakh during the year and contributed to fee based income. Merchant Acquiring Business Merchant Acquiring Business through installation of Point of Sale PoS GPRS Terminals and Integration of Internet Payment Gateway Debit Credit Cards launched in February 2010 has completed 6 years The Bank installed 13,699 PoS terminals and integrated 176 Internet Payment Gateways. RuPay Card The Bank has taken membership of National Payment Corporation of India NPCI for acceptance of RuPay Debit card on PNB Point of Sale terminals Now, in addition to acceptance of cards having logo VISA or MasterCard Maestro, PNB POS terminals accept RuPay Debit card for all face to face transactions. KAIRON Project of Punjab Govt for Grain. Procurement PUNGRAIN, a food grains procurement agency of Punjab Government has launched Kisan Arhtia Information and Remittance Online Network KAIRON project whereby they are making payments to the farmers through Arhtiyas using RuPay Debit cards with the help of National Payment Corporation of India NPCI. The Bank actively participated in the project and has done a business of Rs 4150 crore as Acquiring Bank and Rs 2111 crore as Issuing Bank during FY 16. Bhamashah e Mitra Project The Bank successfully participated in e Mitra Project of Rajasthan Government and succeeded in obtaining the Project, whereby the Bank is going to install 10000 PoS terminals Service Level Agreement SLA was signed and process of implementation has since started. Multi level EMI facility in PoS terminals At present, PoS terminals of the Bank are not customized with Multi Level EMI facility In the present scenario, many customers prefer to avail EMI facility The Bank is going to start the Multi Level EMI facility on the PoS terminals. Draft Agreement relating to it has been sent to M s Worldline for the purpose of execution. Launch of NFC Contactless Dual Interface debit. card The Bank is going to introduce NFC Near Field Communication technology in PNB PoS terminals In NFC enabled PoS terminals, the card holders can make payments by just waving his card near the PoS terminal instead of dipping or swiping the card. L Government Business. To bring in effi ciency in pension disbursement, we have provided the following facilities. Introduced Digital Life Certifi cate DLC and e PPO which is a step towards digitization and error free pension delivery system. Approved CPPC at Allahabad for entire army pensioners. Set up service centres for pensioners, e g for armed forces at Allahabad, for naval personnel at Mumbai and air force personnel at Delhi. Created exclusive e mail IDs and so that pensioners of these wings of armed forces can post their grievances references. Sending reminders through SMS to pensioners to submit life certifi cate. Organized Aadhaar seeding Camps across India for convenience of pensioners and updated Aadhaar Mobile numbers in their pensioner data. The Bank introduced Sukanya Samriddhi Yojana, Kisan Vikas Patra Scheme and on line opening of PPF accounts. These products are made available through 5990 SOLS of our Bank. The Bank started 20 new projects for receipt and payment of Govt dues The Bank established relationship with State Governments for VAT collections in all States except in North Eastern, J K, and Goa. For increasing efficiency in cash management, the Bank has made action plan to set up Mega Currency Chest Cash Processing Centre and reducing the number of Currency chests from 195 to 109 in phased manner. Govt Business Income for FY 16 stood at Rs 102 99 crore compared to Rs 84 92 crore in FY 15 Claims lodged in Jan 16 for Rs 11 67 crore with SBI EPFO RBI which pertains to FY 16.M Treasury Operations. During the period under review, Gross Investment as on 31st March 2016 stood at Rs 1,54,727 crore as againstRs 1,49,266 crore as on 31st March 2015 and registered a YoY growth of 3 66 The average investments as on 31st March 2016 was Rs 1,62,855 crore as against Rs 1,41,340 crore in corresponding period last year The Interest income from investment portfolio increased from Rs 10,563 crore for FY 15 to Rs 11,935 crore for FY 16 The Bank actively traded in sovereign bonds, Non SLR bonds and equity throughout the financial year The liquidity position of the Bank was comfortable throughout FY 16 and the funds were managed through CBLO, Repo and Forex market swaps The Bank complied with all the requirements of CRR SLR stipulated by the Regulator. Fixed Income SLR NSLR FY 16 started on a bearish note on the back of unfavourable global factors like Grexit Greece exit from Euro , China s devaluation of its currency and fear of US FED hike In September Monetary policy, the regulator announced a rate cut of 50 bps following which yields softened by around 25 bps along with SLR and HTM c ut However, market could not sustain at these levels and yields hardened on account of excess supply in the market mainly in State Development Bonds and expected supply of DISCOM bonds under scheme Ujwal DISCOM Assurance Yojana UDAY This huge demand supply mismatch along with fear of Government not sticking to its fiscal consolidation path and expectations of higher Government borrowing numbers further put pressure on the yields However, Budget announcement gave a big respite to the market as Government stuck to its fiscal deficit target and borrowing numbers came much below the market expectations. After the Union Budget 2016 17, 10 year benchmark yields softened by around 40 bps During FY 16, the Bank booked trading profit of Rs 418 63 crore profits from sale of investments in Fixed Income. Equity During FY 16, Markets declined around 9 and Nifty corrected from its high of 9116 Mar 15 to low of 6825 Feb 16 due to Global events like Fed rate hike, China market sell off, Yuan devaluation , falling crude prices and weak Corporate earnings However, Markets have shown some recovery after Budget as Government stuck to its Fiscal Defi cit roadmap On Global front, dovish stance of Fed and renewed FIIs buying supported the market sentiments Indian Equity Market has been relatively resilient during this period compared to other Major Emerging Market Economies because of its strong fundamentals and domestic consumption story The Bank booked Rs 204 crore Trading Profit in Equity segment and Dividend income increased to Rs 115 50 crore in FY 16 from Rs 95 70 crore in FY 15.Forex There has been an increase in Forex Income Expenditure due to changing accounting policy Now the income expenditure on swaps is being reposted on gross basis instead of net as was being done previously Net Forex income has increased from Rs 681 50 crore as on March 2015 to Rs 1319 60 crore as on 31st March, 2016 showing an increase of 93 63 mainly on account of deployment of surplus of liquid fund by way of short term loans in Dollar Market However, Exchange Profit decreased from Rs 397 72 crore in March 2015 to Rs 385 98 crore in March 2016.N Customer Care. The Bank continued to accord top priority to providing prompt and efficient service to its customers for FY 16 also The Bank formulated a Grievance Redressal Policy Efforts were made to redress the grievances of the customers within the framework laid down in the Grievance Redressal Policy. Systems and procedures for the grievances redressal mechanism are reviewed at regular intervals to remove systemic deficiency, if any, which help in further improving the customer service. Initiatives undertaken during FY 16 for improvement in customer service. The Bank introduced an On line Grievance Redressal Management Program called Centralized Grievance Redressal Management System CGRMS Customers can lodge their requests complaints in the CGRMS through the Bank s website, Internet Banking Service and Mobile Banking Service Complaints received at Head Office, all the Circle Offices and over 1,862 SAP enabled branches are entered in CGRMS Through this system, the customer gets an immediate automatic acknowledgement and can keep a track of his complaint also. The position of complaints received by the Bank is reviewed by a Sub Committee of the Board on quarterly basis The meetings of the Sub Committee are presided over by Managing Director and CEO All the Executive Directors, Directors representing Offi cers Association, Ministry of Finance and the shareholders Directors are members of the Sub Committee and General Managers of selected business and control Divisions are permanent invitees to the above committee The above committee held four meetings during FY 16 and reviewed the position of complaints received by the Bank and also complaints received by Chief Customer Service Officer Internal Ombudsman on quarterly basis. The Bank also constituted The Standing Committee on Customer Service , which is chaired by the Executive Director with General Managers of several business and control Divisions of the Bank The committee also has three eminent non executives one senior citizen one pensioner one woman representative drawn from the public as members The committee meets every quarter to evaluate feed back on quality of customer service received from various quarters The committee also reviews comments feed back on customer service and implementation of Code of Bank s Commitments to Customers received from BCSBI The Standing Committee on Customer Service held four meetings during FY 16. Customer Service Committees have been set up in all the branches and Circle Offices to look into the quality of customer service rendered and to critically examine the feedback suggestions for improvement in customer service These committees meet once in a month where staff and the invited customers interact freely on servi ce related issues Two nominated non official members representing customers are invited in the Circle Level Customer Service Committee Meeting on quarterly basis. The Bank has established state of the art Contact Centres at Gurgaon and NOIDA to provide tele banking services to its customers on 24 x 7 x 365 basis through two renowned Service Providers In addition to these two Primary Sites, the Bank also established two Secondary Contact Centres at Mangalore and Bhopal to provide tele banking services to its customers in 5 regional languages besides Hindi and English. The Bank constituted teams of officials at Customer Care Centre at Head Office, Circle Offices and Zonal Offices to pay incognito visit to branches to assess their standard of service During FY 16, officials of the Bank made 4205 incognito visits to branches Pan India Deficiencies pointed out by the visiting officials are being shared with the concerned branch and the Circle Offi ce for taking corrective steps for removal of the same This helps in further improvement in customer service. Theme Based Meetings are conducted at monthly intervals in all branches on a common date on a pre decided. Themes, details of which are provided by Customer Care Centre, HO to improve awareness of field staff about the Bank s products and services and to sensitize the staff about the issues of utmost importance as well as the changes taking place in the industry and the Bank. The Bank is publishing a monthly magazine titled Customer Speak in which selected complaints filed by customers and the action taken and resolution provided to the complainants are also mentioned Letters issued by customers appreciating the service of officials of the Bank are also published in this magazine Besides, the Bank s guidelines on important issues pertaining to customer service, products and services are highlighted in this magazine for the benefit of field staff. Due to various initiatives taken by the Bank to improve the customer service, the number of complaints received during FY 16 came down to 29,654 as compared to 29,759 complaints received during FY 15 Out of total number of 29,827 complaints, i e 173 complaints outstanding as on 1st April 2015 and 29,654 complaints received during FY 16 29,610 complaints were resolved as at 31st March 2016 The number of complaints pending as on 31 03 2016 was 217 which have since been resolved. No award has been passed by any Office o f the Banking Ombudsman during FY 16.O Implementation of Official Language Policy. The Bank has been leading in the area of implementation of Official Language and achieved almost all the targets in all parameters fixed by the Government of India, Ministry of Home Affairs, Department of Official Language for FY 16 All the bilingual CBS and HRMS computers are under Hindi Interface. By adopting this bilingual system, implementation of Rajbhasha is increasing In addition, the Bank is using Unicode fonts for Hindi correspondence at all levels. During FY 16, the Bank has been awarded with more than 50 awards for its excellent performance in the use of Hindi which includes some of very significant awards namely Rajbhasha Kirti Puraskar First in A region a top most award scheme of Govt of India, RBI Rajbhasha Shield Competition First in A region and Second in B region and other Regional level awards of Ministry of Home Affairs In addition, Town Official Language Implementationmittees situated in different locations of the country and other Non Govt Organizations have also awarded the Bank offices. The Bank is successfully convening the Town Official Language Implementation Committees constituted by Govt of India in Delhi, Bharatpur, Kanpur, Chandigarh, Dharamshala, Sriganganagar, Bulandshahar, Dehradun, Gorakhpur, Kurukshetra, Rohtak, Muzaffarnagar, Hoshiarpur, Hamirpur and Bathinda. The Draft and Evidence Committee of Parliament on Official Language inspected Ernakulam Circle on 9th January, 2016 and the third sub committee of Committee of Parliament on Offi cial Language visited Bharatpur circle on 15th February, 2016 The Committee not only expressed satisfaction but also appreciated the efforts made by the Bank for progressive use of Hindi. The Bank celebrates Hindi Maah in the month of September every year Various competitions are organised at all India, local and Circle levels in which staff members of all cadres participate enthusiastically The winners are awarded with pri zes in the Rajbhasha function The Bank has its own Lala Lajpat Rai Rajbhasha Shield Yojana for its various HO Divisions, Circle Offi ces, Training Centres, Zonal Audit Offices, etc Under the scheme, every year, offices are awarded with prizes for doing excellent work in the area of Rajbhasha implementation. This year also, the Bank organised Hindi Maah and other programmes competitions and awards and prizes were given. Sixth collections of articles received in the competitions on writing namely PNB Pravah Ek Aur Kadam has been published Under Moulik Hindi Pustak Lekhan Yojana of the Bank, cash incentives were awarded to staff members for writing original books in Hindi on Banking and Non banking subjects. All the staff members, working in the Bank or retired from bank services, can participate under this scheme. P PNB s Subsidiaries and Regional Rural Banks a PNB Housing Finance Limited PNBHFL. The housing finance industry continues to be very competitive and has given excellent growth over last few decades Inspite of a very challenging year, the Company has achieved its highest ever loans disbursements and profitability On the basis of total loan assets, Company is now ranked 5th largest Housing Finance Company HFC The Company is also ranked the 2nd largest deposit taking housing finance company The Company has earned this distinction in a short span of five years since starting. Business Process Re engineering project through a PPP model. To keep pace with its rapid expansion in business, which require huge Tier I capital, the Company has started the process of getting itself listed towards the end of 2nd quarter of FY 17 The Company will shortly come out with its initial public offer which will be in the vicinity of Rs 2500 crore. The Company sanctioned 43,040 loan applications worth Rs 23,011 crore Annual growth in sanction number 59 and sanction amount 53 Loans worth Rs 14,456 crore were disbursed Annual growth of 53 The loan book of the Company reached Rs 27,177 crore Annual growth of 62 and Assets Under Management reached at Rs 27,555 crore Annual growth of 59 The Deposits of the Company reached Rs 7,115 crore Annual growth of 45.The Company earned Total income of Rs 2697 crore which grew by 52 on YoY basis Operating Profit for the year increased by 76 to reach Rs 588 20 crore Further, Profit before tax for the year was at Rs 503 09 crore Annual growth of 70 and Profit after tax was Rs 326 47 crore Annual growth of 66.Total loan delinquencies were 1 48 of End Period Net Receivables ENR , which is the best in the industry Gross NPAs were Rs 59 81 crore i e 0 22 of ENR and Net NPAs were Rs 38 06 crore i e 0 14 of ENR during FY 16.The Company has achieved Net Interest Margin NIM of 3 08 , Return on Total Assets RoA of 1 45 and Return on Equity ROE of 17 08 The Company had faced tough competition on interest rates from peer HFCs and commercial banks The Company has managed good NIM through efficient funds management and resource planning During FY 16, the Company has achieved the distinction of raising Rs 500 crore of Green Bonds through IFC Washington for promoting green housing projects in India. The Company was felicitated for Outstanding Contribution to CSR at the CREDAI Conclave 2015 by Hon ble Union Minister Shri Rajiv Pratap Rudy The Company was also awarded the Housing Finance Company of the Year at the 8th Annual Real Estate Summit and Awards hosted by Franchise India and ET Now The Company was honoured for its IT transformation journey by EMC Corporation in an event held in partnership with Cisco, VM Ware, etc. b PNB Gilts Limited. During FY 16, the yields on Government securities trended down, with the ten year benchmark yield moving down to 7 46 as on 31st March 2016 as against previous year close of 7 74.Though the yields on point to point basis declined, the market remained highly volatile with the yields moving up for major part of the year This was despite an accommodative stance by RBI with a cut in repo rate of 75 ba sis points Inflation was well contained and Current Account Deficit was comfortable with a slump in global prices of oil and gold Internationally too, the major economies like Euro zone, China, Japan were on an easing path whilst USA raised the rates. The main reason for this directional mismatch was the demand supply gap in the government securities and enhanced supply of normal State Developmental Loans The uncertainty hanging over the issuance of UDAY bonds also weighed heavily on market Further, despite accommodative Monetary Policy stance, RBI kept the system liquidity in deficit mode with average liquidity deficit of more than rupees one lakh crore It was only from February end onwards, with the completion of Government borrowings and aggressive OMO purchases by RBI that this demand supply mismatch was reversed This was further aided by the fiscal deficit pegged at 3 5 for FY 17, reduction in small savings rate, lower retail inflation and a positive early expectation of a normal m onsoon Accordingly the yield on 10 year benchmark Government security which opened the year at 7 74 , touched a high of 7 99 and closed the year at 7 46.Against the backdrop of extreme volatile market conditions, the Company managed to post a Profit Before Tax of Rs 51 47 crore as on 31st March 2016 The Company fulfilled all its obligations as a Primary Dealer in both primary and secondary markets The total outright turnover stood at Rs 3 76 lakh crore, whereas, the total Networth of the Company rose to Rs 731 22 crore as on 31st March 2016 from Rs 718 06 crore as on 31st March 2015.c Punjab National Bank International Limited PNBIL. Financial Year 2015 16 was a year of consolidation for the PNBIL During the year, PNBIL adopted holding business strategy with increased focus on strengthening the Corporate and Risk Governance frameworks PNBIL also endeavoured for revision in various Credit Risk, Capital and Liquidity Management policies. In order to demonstrate effective 3 Lines of Defence , PNBIL has revised its Corporate Governance structure, appointed Chief Risk Offi cer CRO , Chief Finance Officer CFO and Company Secretary PNBIL created revised structure of the various committees including Nomination and Remuneration Committee, Credit Approval Committee, Risk and Compliance Committee, Credit Risk Oversight Committee PNBIL has also created a separate Credit Monitoring and Recovery Department for the effective management of stressed assets. This is the ninth year of operations for PNBIL and it achieved a total business figure of 2,834 million Operating Profit for FY 16 amounted to 38 26 million as against 41 49 million in FY 15 Decrease in operating profit was mainly on account of reduced treasury income by 4 35 million. During FY 16, total lending stood at 1,476 million as compared to 1,555 million in 2015 Net Interest Income has shown improvement which increased by 2 90 million signifying better margins Net trading income decreased by 4 19 million due to market rate mo vements. Expenditure increases were due to the PNBIL upgrading its governance and control environment and investing in systems to enable it to meet the increasing regulatory challenges faced by all banks. Many of the PNBIL s customers have been adversely affected this year by the slow economic growth in India, the delay in flow of funds to the much awaited infrastructure projects and the global slowdown This has resulted in increased gross impaired advances to 144 99 million 82 53 million in 2015 necessitating the need for the PNBIL to take a higher level of impairment provisions. In addition to this, PNBIL took the opportunity to further finetune its impairment recognition and provision methodology resulting in an additional impairment provisioning of 71 85 million The net impaired advances have accordingly reduced from 47 03 million in 2015 to 36 37 million in 2016.PNBIL is the first among Indian Bank subsidiaries branches that launched tax saver Cash ISA product and Contactless Master Debit card, which are one of the most popular products of the PNBIL Strategic integration, parental support, continuous innovation, customer centric approach, niche positioning and competitive advantage in its targeted customer base are the key strengths PNBIL is enjoying in UK PNBIL has its own dedicated treasury at London and a back office in India PNBIL is complying with all regulatory and capital adequacy guidelines of Prudential Regulation Authority of UK Offering basic banking products and relationship banking continues to be the strong selling point for the Bank PNBIL has built a strong brand image in the UK market. d Punjab National Bank Investment Services Limited PNBISL. PNB Investment Services Ltd PNBISL is a wholly owned subsidiary of Punjab National Bank The Company commenced its operation on 8 6 2009 The Company has its offices at Mumbai, Delhi, Chennai, Ahmedabad and Hyderabad. The Company is engaged in providing Merchant Banking and Corporate Advisory services like Financi al Appraisal, Techno Economic viability Study, Debt Syndication and Corporate Debt Restructuring besides providing Trusteeship services. During FY 16, the Company earned fee based income of Rs 7 51 crore with a total income of Rs 10 93 crore as against a fee of Rs 11 13 crore and Rs 14 53 crore respectively for FY 15 Profit Before Tax during FY 16 stood at Rs 6 11 crore as against Rs 10 70 crore for FY 15.There has been an improvement in the revenue generated from the Merchant Banking and Trusteeship segments during FY 16.However, due to the withdrawal of the regulatory forbearance by RBI for restructured loans with effect from 1st April 2015 and general economic downturn and no major CAPEX projects coming up, there was a drop in business in CDR and syndication business Hence, the overall revenue of the Company declined in the FY 16.With the introduction of alternate debt resolution mechanism through flexible restructuring and strategy debt restructuring scheme, the Company has taken in itiatives and started working in the segment to enhance its revenue. Primary Capital Markets segment is witnessing a revival and the Company keeping pace with the development in this segment has bagged a couple of IPO assignments and is hopeful of creating its visibility and increase its revenues in Merchant Banking segment. The Company hopes for a better and improved industrial environment in the country to bag more business in Merchant Banking, Credit Appraisal and Debt syndication segments, thereby significantly enhancing its revenues. e DRUK PNB Bank Ltd Bhutan. The Subsidiary completed 6 years of successful operations in 2016 registering a growth in total business from Rs 967 55 crore as at 31 3 15 to Rs 2344 81 crore as at 31 03 2016 In terms of customer base also, the Subsidiary achieved encouraging results with number of accounts surpassing 90,000 mark as on 31st March 16, an increase of over 17 over last year Net Profit increased to Rs 21 76 crore during FY 16 from Rs 10 71 crore during FY 15.The Subsidiary not only registered satisfactory business growth, but also maintained the quality of assets and liabilities much better than the Industry average Gross NPL estimated at over 10 The retail deposit base of the Subsidiary, which is considered to be stable deposit, is above 81 of the total deposits, while the performing advances are 96 of total advances. f Regional Rural Banks RRBs. At present, five RRBs are sponsored by the Bank These RRBs are operating in five States, namely, Bihar, Haryana, Himachal Pradesh, Punjab and Uttar Pradesh covering 74 districts with a network of 2301 branches. The aggregate paid up capital of these Regional Rural Banks stood at Rs 199 30 crore Central Government, State Governments and PNB contributed in paid up capital of these RRBs in the ratio of 50 15 35, respectively The Bank s contribution towards capital of these RRBs was Rs 69 76 crore The combined networth of RRBs as on 31st March 2016 was Rs 2929 crore. During the year, the agg regate business of all RRBs increased from Rs 45,630 crore in FY 15 to Rs 52,133 crore in FY 16 showing an increase of Rs 6503 crore YoY growth 14 25 The aggregate deposits and aggregate advances as on 31 03 2016 stood at Rs 33,492 crore YoY growth 14 72 and Rs 18,641 crore YoY growth 13 42.The aggregate Net Profit of the RRBs as on 31 03 2016 stood at Rs 320 crore All PNB sponsored RRBs were in Profit The Gross NPAs of the RRBs increased from Rs 692 crore to Rs 764 crore 4 10 of Total Advances during FY 16 During FY 16,157 new branches were opened by RRBs, taking the total network of Branches to 2301 with all being on CBS and total numbers of employees were 8714 The figures pertaining to FY 16 are un audited. Progress in opening of accounts under PMJDY as on 31 03 16 stood at 32,99,189 accounts, out of which RuPay debit cards were issued in 22,86,660 accounts Balance outstanding in these accounts was Rs 653 70 crore Total number of accounts having zero balance as on 31 03 2016 stood at 1,63,750.The RRBs sponsored by the Bank are actively participating in economic development of the areas of their presence With the implementation of Core Banking Solution CBS , rural customers are also getting benefit of latest technology thus providing services to the rural poor under Financial Inclusion Plan at their doorsteps. RRBs are also opening NRE NRO accounts The facility of Micro ATMs, RTGS, NEFT, RuPay ATM cards KCC cards, KIOSK Banking Solution KBS under FIP, Aadhaar Payment Bridge System ABPS under DBT etc is also being provided to customers in all the RRBs. Q Awards and Accolades. During FY 16, in recognition of its performance and initiatives, PNB received various awards, some of which are. Golden Peacock National Training Award 2016 by Institute of Directors. Social Banking Excellence Awards 2015 under Rural Banking Category Large Bank by ASSOCHAM. Best Bank Award for PMJDY Large Bank Winner of Banking Excellence Awards 2015 by CIMSME. ABP News Brand Excellence Awards 2015 under Banking Financial Services and Insurance Category by CMO Asia with World Marketing Congress. Inspiring Work Place Awards 2015 under the category Best HR and Talent Management Practices by The Banking Frontiers. Agriculture Leadership Award 2015 by Agriculture Today Group. FICCI CSR Awards 2014 by Federation of Indian Chambers of Commerce and Industry FICCI. Skoch of Merit Award for the project Transaction Monitoring System for internet banking with OTP and adaptive authentication. R Future Business Plan of the Bank. The Bank has been realigning its business strategies to the changing macroeconomic scenario Despite unfavourable macroeconomic condition, the Bank was able to maintain good operating profit and efforts for healthy Capital to Risk Weighted Asset Ratio CRAR in FY 16 Speeding up the recovery of bad loans, increasing qualitative credit and garnering capital are going to be the focus areas for the Bank in the coming financial year 2016 17.Apart from that, the Bank would focus on augmenting fee based income and mobilizing CASA current account, savings account Deposits on sustainable basis With increased competition, it is important to guard market share in low cost CASA deposits and retail credit The Bank will work towards anticipating growth opportunities first and move fast to tap the opportunities Hence, bettering customer service and marketing of products services will be the key growth enablers for the Bank. Digitalization is an area where the Bank will lay sharp focus on an ongoing basis It will not only reduce operating cost but also improve customer service Hence, the Bank will take measures to move towards a Super Smart Bank and the Bank for the Gen Next. The Bank will continue to lay emphasis on lending to Priority sector, MSME and promoting Financial Inclusion as it traditionally does Digitalization of Business Correspondent BC network, improving automation of MSME loan processing will also be focused upon in FY 17.It is expected that the business environment in the economy will improve and demand for credit from the Bank will increase in H2 FY 17 The reform measures adopted by the Government to transform India, boost infrastructure, create self employment, promote Micro Industries and Housing will prove beneficial for the Bank The development of industrial corridors, manufacturing zones and smart cities w ill further boost investment climate of the country Along with these, Make in India, Startup India, Housing for all by 2022 will create financing opportunities for banks With improvement in the credit demand, the bank will also take measures to meet the Capital requirement under the Basel III Hopefully, FY 17 will turn out to be the year of Growth Strength for the Bank. S Board Of Directors. As on 31 03 2016, there were 11 Directors on the Board of the Bank including 4 whole time Directors i e One Managing Director CEO and three Executive Directors During FY 16, the following changes took place in the composition of Board of Directors. Mrs Usha Ananthasubramanian was appointed as Managing Director CEO of the Bank w e f 14 08 2015. Shri Gauri Shankar completed his tenure as Executive Director due to attaining the age of superannuation as on 31 03 2016. Shri Prem Narain and Ms Hiroo Mirchandani were appointed as Shareholders Directors on the Board of the Bank for a period of three years w e f 02 05 2016 However, Shri Prem Narain ceased to be Director on the Bank s Board w e f 29 08 2015 due to resignation. Shri Rajinder Mohan Singh was elected as Shareholders Director on the Board of the Bank for a period of three years w e f 01 07 2015. Shri Sudhir Nayar, was elected as Shareholder Director on the Board of the Bank w e f 19 12 2015. Shri Tara Chand Jhalani, Workmen Employee Director completed his tenure on 07 03 2016 on the Board of the Bank. The Board wishes to place on record its appreciation for the valuable contribution made by Shri Gauri Shankar, Executive Director, Shri Prem Narain and Shri Tara Chand Jhalani, Directors. T Directors Responsibility Statement. The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 2016.The applicable Accounting Standards have been followed along with proper explanation relating to material departures, if any. The accounting policies, framed in accordance with the guidelines of the Reserve Bank of India, were consistently applied. Reasonable and prudent judgment and estimates were made so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year and of the profit of the Bank for the year ended March 31, 2016.Proper and suffi cient care was taken for the maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks in India, and. The accounts have been prepared on the principle of going concern basis. The Board expressed thanks to the Government of India, Reserve Bank of India, Securities and Exchange Board of India, Stock Exchanges, Bank s customers, public and the shareholders f or valuable support, continued patronage and confi dence reposed in the Bank. The Board wishes to place on record its appreciation for the valuable contribution made by the members of the Bank s staff at all levels and look forward to their continued involvement in achieving the future goals. For and on behalf of Board of Directors. Managing Director CEO. BIGGER BETTER service BEST experience. PNB Online Quick Tools. Regular System Maintenance Advisory. Please be informed that PNB is conducting a series of regular system maintenance activities for the whole month of March This may cause intermittent availability of ATM and Mobile Banking services You may perform your financial transactions and bills payment at the nearest PNB branch. Please be assured that we are taking all necessary steps to minimize disruption during the said period. For concerns, you may contact PNB s Customer Care at 632 573-8888.Thank you for your continued patronage. PCHC Check Image Clearing System CICS Advisory. Please be informed that the Philippine Clearing House Corporation PCHC has started the processing of electronic images of checks using the Check Imaging Clearing System or CICS Here is a quick guide to help you Click here for more details. Notice on Dormancy Fees. Effective May 1, 2017, PNB shall apply new rules on dormancy fees pursuant to BSP Circular No 928 Amendments to the Regulation Governing Fees on Retail Bank Products Services and Dormant Deposit Accounts Click here for more details. PCHC Check Image Clearing System CICS Advisory. Please be advised that starting January 19, 2017, all locally drawn and inter-regional clearing items shall be sent directly to the Philippine Clearing House Corporation PCHC There will be no more local exchanges of physical checks per PCHC memo circular No 3278 on December 29, 2016 Please click here for more details. Notice for PhilHealth Payments. Effective February 20, 2017 Monday , PNB branches will no longer accept over-the-counter payments for Philippine Heal th Insurance Corporation PhilHealth Click here for more details. IMPORTANT ADVISORY. To All Valued PNB Clients. In compliance with BSP s requirement to shift to EMV chip-based cards, PNB shall start replacing your old ATM Cards to the new and more secured EMV chip-enabled ATM Cards for free before the end of December 2016 Click here for details. For more information on the EMV Chip Technology, please click here. Electronic Banking Consumer Security Awareness Tips.- Always make sure that you are accessing the correct website Beware of bogus or look alike websites which are designed to deceive consumers Remember that the legitimate PNB website address is.- Always use the official Apple App Store, Google Play or Microsoft Store to download online or mobile apps Do not trust 3rd party app marketplaces. Information Security Awareness. Online Shopping started to grow following technological advances and has become a more preferred method of purchasing Such growth and advances also results in variou s security concerns that must not be taken for granted. The day after Thanksgiving is more than just a day to digest yesterday s feast It is also the first official day of the holiday shopping season known as Black Friday Cyber Monday on the other hand, is the Monday after thanksgiving wherein people are persuaded to shop online Black Friday and Cyber Monday are both associated with bargains, early store hours and Christmas shopping Many savvy shoppers and bargain-hunters look forward to the thrill of shopping on those days Unfortunately, thieves also anticipate this busy season as they look to turn unaware shoppers into Black Friday and Cyber Monday victims. The Bank provides these safety tips for Black Friday and Cyber Monday -- including this year s holiday shopping.1 Secure yourself Before surfing the Internet, secure your personal computers by updating your security software Everyone s computer should have anti-virus, anti-spyware and anti-spam software, as well as a good firewall i nstalled Keep your personal information private and your password secure Do not respond to requests to verify your password or credit card information unless you initiated the contact Legitimate businesses will not contact you in this manner.2 Transact with a reputable website merchant seller Shop with companies you know and trust Check for background information if you plan to buy from a new or unfamiliar company.3 Trust your instincts When in doubt, don t Beware of bargains from companies with whom you are unfamiliar if it sounds too good to be true, it probably a fraud.4 Ensure that online payment is secure and reliable Use secure websites for purchases Look for the icon of a locked padlock at the bottom of the screen or in the URL address.5 Do your research do comparison shopping and ask around To avoid purchasing counterfeit products, carefully examine the products you want to buy for signs of missing information manufacturing information, warranty, product codes, etc , broken or missing safety seals, different or incomplete packaging, and subtle or obvious changes to a company logo.6 Proceed with your transaction if you feel confident, safe and secure Online shopping need not be a struggle, it should be enjoyed as long you feel confident, safe and secure There is much to explore on the internet. Always remember caveat emptor buyer beware As a consumer, whether in the physical or online environments, you must remain vigilant, meticulous and discerning It is highly important to be wary of online fraud to avoid the ardous process and inconvenience of recovering any damage. Sources Department of Trade and Industry Department of Justice - Office of Cybercrime. Debit FDR Check Deposit - PHP 200 check FDR Return Check - USD 30 check FCS Check Deposit - USD 40 check FCS Return Check - USD 40 check. IMPORTANT ADVISORY. To our valued clients. Starting March 21, 2016, no interbranch fees shall be collected from the following over-the-counter banking transactions.- Deposit - Wi thdrawal - Check Encashment - Fund Transfer. Please note that foreign currency accounts are not included. Thank you for your continued patronage. Budget Checking Account Advisory. To our valued clients. Effective June 15, 2016, branches shall start collecting Php 50 00 for every over-the-counter withdrawal using a withdrawal slip from a Budget Checking Account. Thank you for your continued patronage. At PNB, we are here to serve You First. Notice to the Borrowing Public. Republic Act No 9150, creating the Credit Information Corporation CIC , and its Implementing Rules and Regulations, mandate the submission and disclosure of basic credit data both positive and negative , as well as any regular updates or corrections thereof, to the CIC. For more information please contact your bank, credit card company, cooperative or your lending institution listed under RA 9510 You may also visit and like our facebook page Credit Information Corporation. Non-Acceptance of Checks with Erasures, Alterations, or D eficiencies. Starting January 4, 2016 all clearing banks and institutions shall no longer accept checks with erasures, alterations, or deficiencies whether or not these checks are countersigned by the authorized signatory ies. This is in compliance with the Clearing House Operating Memo CHOM No 15-460 as amended by 15-460A of the Philippine Clearing House Corporation PCHC issued this memorandum to all clearing banks and institutions in order to further improve security measures in the handling and clearing of checks. BSP Demonetization Schedule of Old Banknotes. The exchange of old banknotes New Design Series in banks and the BSP is extended up to March 31, 2017 The said banknotes will have no more monetary value starting April 1, 2017.Only the new banknote series, launched in 2010, can be used for daily transactions starting April 1, 2017.Notice to the Participants of PNB Prestige Balanced Fund and PNB Peso Intermediate Term Bond Fund. We wish to inform you of the change in the performance benchmark of the PNB Prestige Balanced Fund and PNB Peso Intermediate Term Bond Fund For more information, please click here. Notice to Allied Unit Performance AUP Dollar Fund Clients. As part of the product rationalization initiatives of PNB Trust Banking Group, we wish to inform you that we shall be terminating the Allied Unit Performance AUP Dollar Fund effective May 03, 2016 Said termination has been approved by the Bangko Sentral ng Pilipinas on March 14, 2016 For more details, please click here. Deposit Board Rates. Please be advised of the changes in deposit board rates of Dollar Time Deposit and Prime Savings account The changes shall take effect on January 1, 2014.Fees and Charges. Please be advised of changes in our fees charges maintaining balance requirements given the need to align the same following the merger of PNB and Allied Bank last February 2013 The changes as applicable shall take effect on January 1, 2014.Internet Banking. Effective May 8, 2014, we are implementing a n ew added security feature for your Funds Transfer transaction to a 3rd party account A One-Time Password OTP which consists of 6 alpha numeric characters will be sent via SMS to your registered mobile number to complete your transaction Kindly ensure that your mobile number is updated with us for you to be able to perform funds transfer transaction to a 3rd party account. To update your mobile number. Clients based in the Philippines may download the maintenance form and personally submit it to your branch of account together with one 1 valid ID. Overseas clients may download the maintenance form and submit it together with a photocopy of any valid ID directly to your branch of account through regular mail. Thank you for using PNB Internet Banking. Bank Merger. As PNB and Allied Bank continue to align their services We are pleased to announce that PNB branches that display the interbranch transaction advisory are now capable of processing selected transactions for former Allied Bank clients Please proceed directly to the special lanes designated for Allied Bank transactions. Important Advisory. Please be advised of the updated card validity for all newly issued MasterCard-branded Debit and Prepaid cards effective July 27, 2016 Click here for details. Foreign Exchange. How to Enroll, Invest and Redeem with PNB UITF Online. Banking Security Reminders. Latest News. Products and Services.
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