PNBNSEQ4 FY'2231 January 2025

Punjab National Bank

7,838words
4turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
plex, Bandra (E) Mumbai - 400 051 Scrip Code : 532461 BSE Limited 1S Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001 Date: 31.01.2025 Dear Sir (s), Reg.: Analyst Presentation Pursuan
₹ 4,508
ards & Guidance 45-47 Page I 2 Performance Highlights : Q3 FY’25 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA %
102.8%
ance 45-47 Page I 2 Performance Highlights : Q3 FY’25 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032
4.09%
Performance Highlights : Q3 FY’25 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Inter
215 bps
rmance Highlights : Q3 FY’25 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Inco
1.03%
3 FY’25 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6
45 bps
5 Profitability Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY O
0.41%
Asset Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY Operating Profit
55 bps
Quality ₹ 4,508 Cr 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY Operating Profit 96.77%
₹ 11,032
r 102.8% YoY Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY Operating Profit 96.77% 249 bps YoY PCR (Inc.
7.2%
Net Profit 4.09% 215 bps YoY GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY Operating Profit 96.77% 249 bps YoY PCR (Inc.Two) %
₹ 6,621
GNPA % 1.03% 45 bps YoY ROA% 0.41% 55 bps YoY NNPA % ₹ 11,032 Cr 7.2% YoY Net Interest Income ₹ 6,621 Cr 4.6% YoY Operating Profit 96.77% 249 bps YoY PCR (Inc.Two) % 0.12% 114 bps YoY Credit Cost% B
Guidance — 2 items
PNB Prarambh
opening
“• Submitted disclosure on Carbon Disclosure Project (CDP) platform for FY-24.”
PNB Prarambh
opening
“9M FY25 Solar Rooftop (Sanctions) ₹150.76 Cr.”
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Risks & concerns — 2 flagged
• Gender Diversity Policy for Employees • CSR Initiatives: • Apna Ghar Aashram Varanasi for daily needs • Well defined policies and SOPs such as: • Grievance Redressal Policy • Cyber Security Policy • Policy on Fraud Risk Management & Investigation Functions (FRMIF) • Integrated Compliance Monitoring to automate and integrate all compliance activities on one platform.
— PNB Prarambh
• API integration with NCCRP (National Cyber Crime cybercrime for handling Portal) Reporting complaints • New Enterprises Fraud Risk Management (EFRM) for prevention of unauthorized electronic banking transactions ACCELERATING GREEN FINANCING Renewable Energy (Sanctions) ₹10,518 Cr.
— PNB Prarambh
Speaking time
Major functionalities
1
Upgradation include
1
Progression
1
PNB Prarambh
1
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Opening remarks
Major functionalities
 Self On-boarding  Interoperability  Notification/ Campaign Management  Fund Transfer 3.74 Lakh 24.19 Lakh  Loan Disbursement of e-PM- Vishwakarma in PNB Digital Rupee App  Simplified Subsidy Disbursement: The use of CBDC streamlines subsidy distribution under Subhadra Yojana Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 37 New Initiatives Undertaken & Way Forward New Initiatives Undertaken Way Forward Dynamic Currency Conversion (DCC) facility introduced in POS Terminals. Loyalty Reward Points for Debit Card Users & Txn through PNB One Establishing a Generative AI Center of Excellence (GCoE) for Use of Gen AI for routine Operational Tasks Credit Card Offer Tie Ups with Premium Stores (Amazon, Flipkart, Croma, Samsung, Zomato, etc.) Co-Branded Credit Card with EasyMyTrip Apply for Debit Card, Wearables and Green PIN OTP generation through WhatsApp Banking. Digital Financing against Electronic Negotiable Ware
Upgradation include
 Technology Upgrade  Enhanced Security  Monitoring aspects  Content management  E-market place Single journey for opening Demat & trading Account through PNB one Opening of SSA account through PNB One On-Boarding UPI 123 Pay using Aadhar OTP Issuance of Multi Credit Card to Existing Credit Card Users Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 38 Data Analytics – Expanding Horizons! Propensity Models Across the Bank’s Products Line Business Generation from Wealth Management Products Natural language processing for sentiment & intent Analysis Identification of Mule Accounts ML based Branch Health Monitoring System ML Based Cash Retention Limit for Branches Recommendation Engine for Next Best Offers to micro clusters ML Based Risk Mitigation Business Augmentation Through Analytics 20579 1400 6729 15374 735 4600 As on Dec ’23 As on Dec ’24 RETAIL AGRI MSME (Amt ₹ in Crore) Highlights Business Financial Asset Q
Progression
Career Basic Year), (1st Intermediate (2nd & 3rd and Years), Advanced (4th Year) Data driven Succession Pipelines created by digital tool identified critical roles for Ensuring a pipeline future-ready of of skilled individuals ready to step critical roles pool into 360-degree feedback is being for collected behavioural and functional competencies for all scale IV to VIII officers of the Bank the feedback and report includes a provision for Skill- Will Matrix
PNB Prarambh
Management Trainee Tool Extensive 52-week training program, ensuring a smooth transition. Continuous guidance and support through Real-time tracking and progress monitoring Highlights Business Financial Asset Quality Share/ Capital Digitalization/ Analytics HR/Network/GB/RRB ESG/ Award Page 40 Transformation of Learning & Development System CENTRE OF EXCELLENCE 10 Advanced Learning Institutes (ALIs) at 4 locations State-of-the-art facilities with smart classrooms with smart podiums, revamped libraries & e-learning recording rooms REVAMPED LEARNING & DEVELOPMENT POLICY GROOMING ACROSS EMPLOYEE LIFE CYCLE  Auto identification of training need from digital UDAAN tools  ALIs - hubs of Development & Research  Digital & Data driven nomination of trainings  SOPs defined to standardize training process across all STCs & ALIs  Well-defined faculty evaluation criteria  Structured Post-Course Evaluations and on Quantitative capturing impact Business Parameters  3 flagship Induction, prog
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