BANK's PROFILE & HISTORY VISION “To Be a Leading Global Bank With

BANK’S PROFILE & HISTORY

VISION “To be a Leading Global Bank with Pan India footprints and become a household brand in the Indo-Gangetic Plains, providing entire range of financial products and services under one roof.”

MISSION

“Banking for the unbanked” Punjab National Bank (PNB), was registered on May 19, 1894 under the Indian Companies Act with its office in Anarkali Bazaar, Lahore. The Bank is the second largest government- owned commercial bank in India with about 4,500 branches across 764 cities. It serves over 37 million customers. The bank has been ranked 248th biggest bank in the world by Bankers Almanac, London. The bank's total assets for financial year 2007 were about US$60 billion. PNB has a banking subsidiary in the UK, as well as branches in Hong Kong and Kabul, and representative offices in Almaty, Shanghai, and Dubai

History

1895: PNB commenced its operations in Lahore. PNB has the distinction of being the first Indian bank to have been started solely with Indian capital that has survived to the present. (The first entirely Indian bank, the Oudh Commercial Bank, was established in 1881 in Faizabad, but failed in 1958.) PNB's founders included several leaders of the Swadeshi movement such as Dyal Singh Majithia and Lala HarKishen Lal, Lala Lalchand, Shri Kali Prosanna Roy, Shri E.C. Jessawala, Shri Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass. Lala Lajpat Rai was actively associated with the management of the Bank in its early years.

1904: PNB established branches in Karachi and Peshawar.

1940: PNB absorbed Bhagwan Dass Bank, a scheduled bank located in Delhi circle.

1947: Partition of India and Pakistan at Independence. PNB lost its premises in Lahore, but continued to operate in Pakistan.

1951: PNB acquired the 39 branches of Bharat Bank (est. 1942), Bharat Bank became Bharat Nidhi Ltd.

1960s: PNB amalgamated Indo Commercial Bank (est. 1933) in a rescue.

1961: PNB acquired Universal Bank of India.

1963: The Government of Burma nationalized PNB's branch in Rangoon (Yangon). September 1965: After the Indo-Pak war the government of Pakistan seized all the offices in Pakistan of Indian banks, including PNB's headoffice, which may have moved to Karachi. PNB also had one or more branches in East Pakistan (Bangladesh). 1969: The Government of India (GOI) nationalized PNB and 13 other major commercial banks, on July 19, 1969. 1976 or 1978: PNB opened a branch in London.

1993: PNB acquired New Bank of India, which the GOI had nationalized in 1980.

1998: PNB set up a representative office in Almaty, Kazakhstan. 2003: PNB took over Nedungadi Bank, the oldest private sector bank in Kerala. Rao Bahadur T.M. Appu Nedungadi, author of Kundalatha, one of the earliest novels in Malayalam, had established the bank in 1899. It was incorporated in 1913, and in 1965 had acquired selected assets and deposits of the Coimbatore National Bank. At the time of the merger with PNB, Nedungadi Bank's shares had zero value, with the result that its shareholders received no payment for their shares. PNB also opened a representative office in London.

2004: PNB established a branch in Kabul, Afghanistan. PNB also opened a representative office in Shanghai. PNB established an alliance with Everest Bank in Nepal that permits migrants to transfer funds easily between India and Everest Bank's 12 branches in Nepal.

2005: PNB opened a representative office in Dubai.

2007: PNB established PNBIL - Punjab National Bank (International) - in the UK, with two offices, one in London, and one in South Hall, Middlesex. Since then it has opened a third branch in Leicester, and is planning a fourth in Birmingham.

2008: PNB opened a branch in Hong Kong.

Chairmen of Punjab National Bank : 1895-1898 Sardar Dyal Singh Majithia 1898-1905 Rai Bahadur Lala Lal Chand 1905-1910 Bhagat Ishwar Dass 1911-1912 Rai Bahadur Lala Lal Chand 1912-1913 Rai Bhadur Lala Sukddyal 1913-1915 Bhagat Ishwar Dass 1917-1920 Dr. Hira Lal Bhatia 1920-1931 Lala Dhanpat Rai 1931-1937 Dr. Maharaj Krishana Kapoor 1938-1942 Rai Bahadur Diwan Badri Dass 1943-1953 Lala Yodh Raj 1953-1954 Shriyansh Parshad Jain 1954-1959 Seth Shanti Parkash Jain 1960-1964 Ram Nath Goenka 1964-1967 Kamal Nayan Bajaj 1968-1972 Somesh Chander Trikha 1972-1975 Parkash Lal Tandon 1975- 1977 Tirath Ram Tuli 1977-1980 Om Parkash Gupta 1980-1981 Syam Lal Chopra 1981-1985 Sudarshan Lal Baluja 1985-1990 Jagdish Sharan Varshney 1990-2000 Rashid Jilani 2000-2005 Surinder Singh Kohli 2005-2007 Satwant Chand Gupta 2007- 2009 Dr. K.C. Chakrabarty 2009- K. R. Kamath

Acquisitions by PNB 1939: PNB acquired Bhagwandas Bank 1951: PNB acquired the 39 branches of Bharat Bank. 1961: PNB acquired Universal Bank of India 1960s: PNB amalgamated Indo Commercial Bank 1986: PNB acquired Hindustan Commercial Bank 1993: PNB acquired New Bank of India 2003: PNB took over Nedungadi Bank, the oldest private sector bank in Kerala

PERFORMANCE DURING THE LAST 5 YEARS

The Bank’s performance in the last 5 years has been impressive in all major parameters with business doubling to reach Rs. 286000 crore in 2007-08. The Bank’s average growth in major parameters and achievement in the last 5 years is given below: PARAMETERS Mar, 04 Mar, 05 Mar, 06 Mar, 07 Mar, 08 Dec, 08 Total Deposit 87916 103167 119685 139860 166457 197069 Total Advances 47224 60413 74627 96597 119502 141659 Operating Profit 3121 2404 2917 3617 4006 4156 Net Profit 1109 1410 1439 1540 2049 2225 Interest Income 7780 8460 9337 11236 14265 14083 Non - Interest Income 1867 1676 1521 1730 1998 2064 Gross NPA 4670 3741 3138 3391 3319 3264 Net NPA 449 119 210 726 754 552 Gross NPA (%) 9.35 5.96 4.10 3.45 2.74 2.28 Net NPA (%) 0.98 0.20 0.29 0.76 0.64 0.39 Cost of Deposits (%) 5.01 4.43 4.32 4.53 5.59 6.26 Yield of Advances (%) 9.08 8.10 8.31 9.17 10.36 11.51 Business Per employee 2.28 2.77 3.31 4.07 5.05 6.06

Profit Per Employee (in lac) 1.88 2.42 2.48 2.68 3.66 5.38

Return on Assets (%) 0.92 1.17 1.09 1.03 1.15 1.37

Recent Initiatives Taken by the Bank in brief

The Bank in the recent past has moved away from a hybrid 4 tier to a 3 tier structure with a nomenclature of Circle Offices for the intermediate tier. The objective was to have a cost effective delayered structure to expedite decision making at all levels.

Having taken aggressive IT initiatives, 100% CBS enabled Bank to centralize many activities thereby increasing the efficiency and productivity across the Bank. The activities are being centralized to transform the branches as points of sales for customer acquisitions, customer retention and better customer service.

Bank proposes to set up one lac touch point to realize the target of 15 crore customers and 10 lac crore business figures by extensive deployment of technology. We expect to increase our branch network to 5000, Number of ATMs to 8000. The bank will engage 12,000 Business correspondents for existing branches; four such BCs will be attached to one branch (25000 touch points). Bank will set up 15,000 kiosks in branchless location with CBS and internet facility each kiosk will have four business correspondent attached to it (75,000 touch points).

To further improve the customer service alternate delivery channels like ATMs and Internet banking are promoted and are enabled for Transfer of funds, bill payments, ticket booking, tax payment and donations to charitable organizations. E-bays have been set up for faster customer service.

The Bank has been giving greater thrust towards Financial Inclusion, SME Business and Agriculture lending. The Bank has achieved 100% Financial Inclusion in 11,043 villages. The Bank is gearing up for Metro/Urban Financial Inclusion in a big way and is committed to cover unbanked rural & urban areas under its commitment to Financial Inclusion, both at geographical and functional levels. Rajasthan Govt. Financial Inclusion project has brought in more than 25 lakhs customers in our fold. Several other Special Schemes have been launched for BPL Customers including a Micro Finance Branch in Mukundpur, Delhi; 9 Financial Literacy & Education Counselling Centres in Punjab & Haryana; Scheme for Rickshaw Pullers launched at Varanasi, Allahabad, Lucknow & Patna; Common Service Centre at Village Panapur Bihar. For

Agriculture Sector we have introduced PNB Krishak Saathi Scheme, increased limit of loans without collateral to 1 lakh and introduced several other facilities to promote rural development.

New products have been launched like MIBOR linked deposit schemes, Depository services, Gold Coin business; CMS, Score Based Lending Schemes, Centralization of backend activities etc. For faster processing of retail loans, separate Retail Processing Hubs have been set-up at centralized locations. Facility of submission of online application for Car, Education, Personal & Pension Loans is provided.

Towards the objective of having a larger international presence, a subsidiary at UK has been made operational. A new branch of PNB – IL has been made functional in Leicester, besides the existing two branches. The Bank also has a branch at Kabul; an Off-Shore Banking Unit at Mumbai; a new branch at Hongkong and Representative Offices at Dubai, Kazakhstan, Shanghai & Norway. The Bank has joint venture in Nepal with Everest Bank Limited. We are having arrangements with various exchange houses abroad. The technology solutions for all the overseas operations of the bank are provided from India, thereby ensuring cost effective services to the overseas clients.

The Bank has launched two variants of Consumer credit card i.e. Gold and Classic. For customer convenience, host of features like photo card, SMS alerts and interface with PNB’s Internet Banking are being offered. The credit card will be globally accepted. This card will be accepted at over 3.5 Lac merchant establishments and 30,000 ATMs in India as well as at over 29 million merchants establishments and over 1 million ATMs throughout the world who are linked to Visa Payment system.

For faster processing of retail loans, separate Retail Processing Hubs have been set-up at centralized locations. Facility of submission of online application for Car, Education, Personal & Pension Loans is provided.

SWOT ANALYSIS OF THE BANK Strength Weaknesses

• Fundamentally sound bank

• 3.7 crore strong customer base

• Well-entrenched Brand Image

• Dominant position in Indo-Gangetic Plain –No competition • A leader amongst Public Sector Banks

• High proportion of customer base in deposits

• Strong Risk Management Practices

• Redefined processes through technology initiatives like CBS, ATM, Internet Banking

• 100% CBS branches

ng difficult

and competitive ability

• High tech platform incorporating EDW, CRM etc.

• Large network of branches with 66% in Rural & Semi- urban areas

change in the mind-set of employees

Threats Opportunities

- Gangetic belt eroding our dominance more remunerative

is a clear-cut opportunity with overall exposure to formal services of finance being about 20%

t provides an opportunity to go beyond the Brick

usher in change in our attitudes/conventional wisdom, be a learner willing to adapt to the changing

Threats have since been converted into Opportunities.

PNB VISION 2013 a) QUANTITATIVE DIMENSIONS

• Deposits to increase from Rs.166457 Crore in March 2008 to Rs.582000 Crore in March 2013, at an average growth of 32%.

• Advances to increase from Rs.119502 Crore in March 2008 to Rs.418000 Crore in March 2013, at an average growth of 28%.

• Total business to increase from Rs.285959 Crore in March 2008 to Rs.1000000 Crore in March 2013, at an average growth of 28%.

• Operating Profit to increase from Rs.4006 Crore in March 2008 to Rs.15000 Crore in March 2013 with a CAGR of 30.2%.

• Net Profit to increase from Rs.2049 Crore in March 2008 to Rs.7500 Crore in March 2013, at an average growth of 30%.

• The Return on Assets *RoA+ to increase from 1.15% in March 2008 to 1.30% in March 2013 *This ratio is comparable to the RoA of the Peer Banks and is also better than all bank’s ratio of 1% as on March 08].

• The Return on Equity *RoE+ to increase from 19% in March 2008 to 21% in March 2013.

• Customer base to increase from 3.7 Crore in March 2008 to 15 Crore in March 2013.

• Number of touch points to be 100000 by March 2013.

• To have a rural coverage of 100000 villages in the Indo-Gangetic Plains by March 2013. ASPIRATIONS - QUANTITATIVE DIMENSIONS [Amt in Crore] Particulars Mar 08 Mar 09 Mar 10 Mar 11 Mar 12 Mar 13 Total Business 285959 360000 458500 604100 782500 1,000,000

Deposits 166457 210000 262000 351500 457000 582000 Advances 119502 150000 196500 252600 325500 418000 Operating Profit 4006 5650 6750 8700 10900 15000

Net Profit 2049 2650 3450 4500 5800 7500 RoA 1.15 1.18 1.23 1.25 1.27 1.30 RoE 19.00 19.17 19.91 20.16 20.62 21.00 Number of Customers [ In Crore ] 3.7 5 6 9 11 15 Rural Coverage - 55000 70000 75000 85000 100000

Touch Points - 12000 22000 40000 75000 100000

A leader and front runner amongst nationalized banks

ion

ng the top 3 Indian banks with global presence in Middle East, South East Asia, China, UK, Australia, Canada, etc.

To be the most profitable bank amongst nationalized banks by focusing on:

Fee based income/off-balance sheet exposures

Mid Cap segment, Retail lending, SME Advances & Agriculture

Reduction in Gross NPAs

Expenditure Control

Low cost deposits

Ensuring higher spreads (return on advances minus cost of deposits/funds) Capitalize on IT initiatives

Provide more value added services

Expand reach of ATMs

Back Office Centralization of all CBS branches

Promote internet banking

Provide IT advisory services to other banks

Explore options of in-organic growth

Merger of Private/Public Sector Banks

Enlargement of customer base and retention of existing customers.

Ensure smooth transition to adopting Basel II norms ahead of schedule.

Develop robust Management Information System for better decision making & policy prescription.

Further entrench brand image of the Bank.

Awards:

National Award for Excellence in SSI Lending- Ranked 2nd for four consecutive years from 2002 to 2005

The Banker's Almanac - Ranked 3rd amongst banking sector in India and 323rd rank in the world in 2006

The Banker, London- Ranked 386 amongst Top 1000 Global Banks in July 2005

AC Nielson Survey - 9th amongst Top 50 Most Trusted Services Brands in India SUMMARISED BALANCE SHEET ( ` in Crore) Particulars SOLO As at March 2012 (Audited) SOLO As at March 2011 (Audited) Capital And Liabilities Capital 339.18 316.81 Reserves and Surplus 27477.89 21191.75 Deposits 379588.48 312898.73 Borrowings 37264.27 31589.69 Other Liabilities and Provisions 13524.18 12328.26 TOTAL 458194.00 378325.24 Assets Cash and Balances with Reserve Bank of India 18492.90 23776.90 Balances with bank and Money at call and short notice 10335.14 5914.31 Investments 122629.47 95162.35 Advances 293774.75 242106.67 Fixed Assets 3168.86 3105.60 Other Assets 9792.88 8259.41 Total Assets 458194.00 378325.24 NOTES 1. The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 09.05.2012. The same have been subjected to audit by the Statutory Central Auditors of the bank, in line with the guidelines issued by the Reserve Bank of India and as per the requirement of Listing agreement with Stock Exchanges. 2. The financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statement for the year ended 31st March, 2011. 3. The Financial results have been arrived at, after considering provisions for standard assets, non-performing assets, restructured advances, depreciation on investments as per Reserve Bank of India guidelines and gratuity, pension, bonus, leave encashment, tax expenses and other usual and necessary provisions on estimated basis. 4. In accordance with guidelines issued by Reserve Bank of India vide Notification No. DBOD.No.BP.BC.80/21.04.018/2010-11 dated 9thFebruary, 2011, an amount of ` 166.18 crore has been charged to Profit & Loss account during the current quarter(` 664.73 crore for the year) towards the amortization relating to enhancement in Gratuity limit and re-opening of pension option for existing employees. Unamortized liability carried forward `1994.19 crores shall SUMMARISED BALANCE SHEET ( ` in Crore) Particulars SOLO As at March 2012 (Audited) SOLO As at March 2011 (Audited) Capital And Liabilities Capital 339.18 316.81 Reserves and Surplus 27477.89 21191.75 Deposits 379588.48 312898.73 Borrowings 37264.27 31589.69 Other Liabilities and Provisions 13524.18 12328.26 TOTAL 458194.00 378325.24 Assets Cash and Balances with Reserve Bank of India 18492.90 23776.90 Balances with bank and Money at call and short notice 10335.14 5914.31 Investments 122629.47 95162.35 Advances 293774.75 242106.67 Fixed Assets 3168.86 3105.60 Other Assets 9792.88 8259.41 Total Assets 458194.00 378325.24 NOTES 1. The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 09.05.2012. The same have been subjected to audit by the Statutory Central Auditors of the bank, in line with the guidelines issued by the Reserve Bank of India and as per the requirement of Listing agreement with Stock Exchanges. 2. The financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statement for the year ended 31st March, 2011. 3. The Financial results have been arrived at, after considering provisions for standard assets, non-performing assets, restructured advances, depreciation on investments as per Reserve Bank of India guidelines and gratuity, pension, bonus, leave encashment, tax expenses and other usual and necessary provisions on estimated basis. 4. In accordance with guidelines issued by Reserve Bank of India vide Notification No. DBOD.No.BP.BC.80/21.04.018/2010-11 dated 9thFebruary, 2011, an amount of ` 166.18 crore has been charged to Profit & Loss account during the current quarter(` 664.73 crore for the year) towards the amortization relating to enhancement in Gratuity limit and re-opening of pension option for existing employees. Unamortized liability carried forward `1994.19 crores shall SUMMARISED BALANCE SHEET ( ` in Crore) Particulars SOLO As at March 2012 (Audited) SOLO As at March 2011 (Audited) Capital And Liabilities Capital 339.18 316.81 Reserves and Surplus 27477.89 21191.75 Deposits 379588.48 312898.73 Borrowings 37264.27 31589.69 Other Liabilities and Provisions 13524.18 12328.26 TOTAL 458194.00 378325.24 Assets Cash and Balances with Reserve Bank of India 18492.90 23776.90 Balances with bank and Money at call and short notice 10335.14 5914.31 Investments 122629.47 95162.35 Advances 293774.75 242106.67 Fixed Assets 3168.86 3105.60 Other Assets 9792.88 8259.41 Total Assets 458194.00 378325.24 NOTES 1. The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 09.05.2012. The same have been subjected to audit by the Statutory Central Auditors of the bank, in line with the guidelines issued by the Reserve Bank of India and as per the requirement of Listing agreement with Stock Exchanges. 2. The financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statement for the year ended 31st March, 2011. 3. The Financial results have been arrived at, after considering provisions for standard assets, non-performing assets, restructured advances, depreciation on investments as per Reserve Bank of India guidelines and gratuity, pension, bonus, leave encashment, tax expenses and other usual and necessary provisions on estimated basis. 4. In accordance with guidelines issued by Reserve Bank of India vide Notification No. DBOD.No.BP.BC.80/21.04.018/2010-11 dated 9thFebruary, 2011, an amount of ` 166.18 crore has been charged to Profit & Loss account during the current quarter(` 664.73 crore for the year) towards the amortization relating to enhancement in Gratuity limit and re-opening of pension option for existing employees. Unamortized liability carried forward `1994.19 crores shall SUMMARISED BALANCE SHEET ( ` in Crore) Particulars SOLO As at March 2012 (Audited) SOLO As at March 2011 (Audited) Capital And Liabilities Capital 339.18 316.81 Reserves and Surplus 27477.89 21191.75 Deposits 379588.48 312898.73 Borrowings 37264.27 31589.69 Other Liabilities and Provisions 13524.18 12328.26 TOTAL 458194.00 378325.24 Assets Cash and Balances with Reserve Bank of India 18492.90 23776.90 Balances with bank and Money at call and short notice 10335.14 5914.31 Investments 122629.47 95162.35 Advances 293774.75 242106.67 Fixed Assets 3168.86 3105.60 Other Assets 9792.88 8259.41 Total Assets 458194.00 378325.24 NOTES 1. The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 09.05.2012. The same have been subjected to audit by the Statutory Central Auditors of the bank, in line with the guidelines issued by the Reserve Bank of India and as per the requirement of Listing agreement with Stock Exchanges. 2. The financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statement for the year ended 31st March, 2011. 3. The Financial results have been arrived at, after considering provisions for standard assets, non-performing assets, restructured advances, depreciation on investments as per Reserve Bank of India guidelines and gratuity, pension, bonus, leave encashment, tax expenses and other usual and necessary provisions on estimated basis. 4. In accordance with guidelines issued by Reserve Bank of India vide Notification No. DBOD.No.BP.BC.80/21.04.018/2010-11 dated 9thFebruary, 2011, an amount of ` 166.18 crore has been charged to Profit & Loss account during the current quarter(` 664.73 crore for the year) towards the amortization relating to enhancement in Gratuity limit and re-opening of pension option for existing employees. Unamortized liability carried forward `1994.19 crores shall

Golden Peacock Award- for excellence in corporate governance in 2005

SUMMARISED BALANCE SHEET ( ` in Crore) Particulars SOLO As at March 2012 (Audited) SOLO As at March 2011 (Audited) Capital And Liabilities Capital 339.18 316.81 Reserves and Surplus 27477.89 21191.75 Deposits 379588.48 312898.73 Borrowings 37264.27 31589.69 Other Liabilities and Provisions 13524.18 12328.26 TOTAL 458194.00 378325.24 Assets Cash and Balances with Reserve Bank of India 18492.90 23776.90 Balances with bank and Money at call and short notice 10335.14 5914.31 Investments 122629.47 95162.35 Advances 293774.75 242106.67 Fixed Assets 3168.86 3105.60 Other Assets 9792.88 8259.41 Total Assets 458194.00 378325.24 NOTES 1. The above financial results have been reviewed by the Audit Committee of Board and approved by the Board of Directors in their meetings held on 09.05.2012. The same have been subjected to audit by the Statutory Central Auditors of the bank, in line with the guidelines issued by the Reserve Bank of India and as per the requirement of Listing agreement with Stock Exchanges. 2. The financial results have been prepared following the same accounting policies and practices as those followed in the annual financial statement for the year ended 31st March, 2011. 3. The Financial results have been arrived at, after considering provisions for standard assets, non-performing assets, restructured advances, depreciation on investments as per Reserve Bank of India guidelines and gratuity, pension, bonus, leave encashment, tax expenses and other usual and necessary provisions on estimated basis. 4. In accordance with guidelines issued by Reserve Bank of India vide Notification No. DBOD.No.BP.BC.80/21.04.018/2010-11 dated 9thFebruary, 2011, an amount of ` 166.18 crore has been charged to Profit & Loss account during the current quarter(` 664.73 crore for the year) towards the amortization relating to enhancement in Gratuity limit and re-opening of pension option for existing employees. Unamortized liability carried forward `1994.19 crores shall

Shri Manas Ranjan Biswal, CEO, PNB Dubai receiving Golden Peacock Business Excellence Award 2013 on behalf of Bank Punjab National Bank Bags Golden from H.E Cader Sayed Hossen, Minister Peacock Business Excellence Award of Industry, Commerce and Consumer

2013 Protection, Govt of Mauritius, Sh Sudhir Vasudva, CMD, ONGC and Lt. Gen J S Ahluwalia, President, Institute of Directors. Shri S.R. Bansal, ED, PNB receiving the MSME National Award from Shri Punjab National Bank Bags MSME K.H. Muniappa, Hon'ble Minister National Award of Micro, Small & Medium Enterprises, GOI at New Delhi for Excellent performance in PMEGP in North Zone Shri K. K. Aravindakshan, Field General Manager, Mumbai receiving the ‘Best Punjab National Bank has been Corporate Social Responsibility Practices’ conferred the „Best Corporate Social Award on behalf of the Bank presented

Responsibility Practices‟ Award by BSE on World CSR Day i.e., 18th February’13 at Mumbai. Hon'ble President of India, His Excellency Sh. Pranab Mukherjee presenting the Award to Sh. K R Kamath, CMD PNB on the occassion of Hindi PNB Bags Indira Gandhi Rajbhasha Diwas Samaroh held at Delhi . Sh Sushil

Award Kumar Shinde, Hon'ble Union Home Minister and Sh. Jitendra Singh, Minister of State for Home are also seen in the picture. Smt. Sushma Bali, General Manager, Punjab National Bank, receiving Golden Peacock National Training Award by PNB Bagged Golden Peacock National Institute of Directors from Hon’ble

Training Award 2011 Corporate Affairs Minister, Dr. M. Veerappa Moily at Bangalore, also seen in picture , Shri V.K. Dhawan, Asstt. General Manager, Punjab National Bank. Sh. K.K.Arvindakshan, Field General Manager,PNB, receiving "Overall Best PNB Awarded “Overall Best Corporate Corporate Social Corporate Social

Social Responsibility” Awards 2012 Responsibility" Award 2012 from Hon'ble Corporate Affairs Minister,Dr. M.Veerappa Moily, at Mumbai. Smt. Usha Ananthasubramanian ED, PNB receiving "SKOCH Award on Financial Inclusion-2012" under the category of "Access to banking and PNB Awarded SKOCH Award on Financial Services" from Dr. C

Financial Inclusion 2012 Rangarajan, Chairman of the Prime Minister's Economic Advisory Council at a function held at New Delhi. Also seen in picture Sh.Sameer Kochar,Chairman- Skoch Group. Smt Usha Ananthasubramanian, Executive Director, PNB receiving Most Socially Responsive Bank Award 2011 PNB bags Most Socially Responsive by Businessworld- Bank Award 2011 PricewaterhouseCoopers (PwC) from Hon’ble Finance Minister, Sh. Pranab Mukherjee at Mumbai Shri K.R. Kamath, CMD, PNB receiving Best Bank Award-2011 from

PNB receives Best Bank Award-2011 Dr. C.Rangarajan, Chairman Prime Minister’s Economic Advisory Council at Mumbai Shri K.R. Kamath, CMD, PNB receiving FIBAC 2011 'Most Productive Public Sector Bank award' from Sri Prithiviraj PNB Bags Most Productive Public Chavan, Chief Minister of Maharashtra.

Sector Bank Award Mr. Nair, Chairman of Banks & FIs Committee of FICCI and Mrs. Sushma Bali, GM, PNB are also seen. Smt. Usha Ananthasubramanian, ED, PNB Bags MSME National Awards PNB receiving the MSME National

Award from Shri Virbhadra Singh, Hon'ble Minister of Micro, Small & Medium Enterprises, GOI at New Delhi. Shri Rakesh Sethi and Smt. Usha Ananthasubramanian, EDs PNB receiving the Golden Peacock HR Excellence Award-2011 from Justice PNB Awarded Golden Peacock HR M.N.Venkatchaliah, Former Justice of

Excellence Award-2011 India. Also seen in the picture are Smt. Sushma Bali, General Manager-HRD and other officials at a function organized by IOD Shri Ajay Misra Chief Information PNB Awarded "IT for Internal Technology Officer receiving Award on

Effectiveness" Awards “IT for Internal Effectiveness” from Shri Anand Sinha Deputy Governor Reserve Bank of India & Chairman IDRBT in a function held at IDRBT Hyderabad on 04.08.2011. Shri K.R. Kamath, Chairman & Managing Director, PNB receiving RBI Rajbhasha Awards from Dr. D.Subbarao, Governor, RBI. Other

PNB Awarded Rajbhasha Awards dignitaries present on the dias are RBI Dy. Governors Dr. K.C.Chakraborthy and Dr. Subir Gokarn. Hon’ble President of India Smt. Pratibha Devisingh Patil giving SCOPE Best Managed Bank Gold Trophy PNB adjudged Best Managed Bank by Award to Sh. K.R. Kamath, CMD-

SCOPE PNB. Seen in picture are Sh. Praful Patel- Union Minister for Heavy Industries, Sh. A Sai Prathap, Minister of State & Sh. M.V. Tanksale, ED- PNB. Won Second Prize under the category of "Best Wind Power Project Financier"

Wind Power India 2011 Awards 2011 by World Institute of Sustainable Energy. Punjab National Bank declared winner PNB Awarded SKOCH Challenger Award of "SKOCH Challenger Award on 2011 on Financial Inclusion Financial Inclusion". Sh. M.V. Tanksale and Shri Rakesh Sethi, EDs, PNB receiving award from Dr. C Rangarajan, Chairman of the Prime Minister's Economic Advisory Council, at a function held at New Delhi. Punjab National Bank declared winner of "Best Technology Bank 2010". Sh. M.V. Tanksale, ED, PNB and Sh. Ajay PNB Awarded Best Technology Bank Misra, GM, PNB receiving award from

2010 Hon’ble Ex-President of India Sh. A.P.J Abdul Kalam at the Banking Technology Conference held at Mumbai. PNB declared winner of the Golden Peacock Awards for Training. Smt. PNB AWARDED GOLDEN PEACOCK Sushma Bali, GM and Sh. J.P. Kapoor, AWARD FOR TRAINING DGM, PNB receiving award from Hon'ble Sh. K Sankaranarayanan, PRESS RELEASE Governor of Maharashtra and Sh. P.N. Bhagwati Ex-Chief Justice of India. PNB AWARDED NIRYAT BANDHU Sh. K.R.Kamath, CMD, PNB receiving BRONZE TROPHY Niryat Bandhu Award from Hon’ble Sh.

Jyotiraditya Scindia, Minister of State PRESS RELEASE Hindi for Commerce and Industry. Seen in the picture is Sh. S.K.Dubey, GM, PNB. PRESS RELEASE English Sh. Nagesh Pydah, Executive Director, PNB Received Excellent Performance in PNB receiving 'excellent performance in Lending Under PMEGP Scheme award SME lending under PMEGP scheme' award

PRESS RELEASE Hindi from Sh. Dinsha Patel, MoS (Independent Charge) and Sh. Dinesh MSME PRESS RELEASE Rai, Secretary, Ministry of Micro, Small & Medium Enterprises. at Hyderabad from Shri D. Subbarao, Governor, RBI . Dr. K.C. Chakrabarty, K,R.Kamath, CMD, PNB is receiving the Dy. Governor, RBI, Mr. Samba Murthy,

Best Bank Award Director, IDRBT, Mr. S Ganesh Kumar, CGM, IDRBT and Mr. Ajay Misra, GM, PNB are also seen in the photograph. Outlook Money Award for the year Outlook Money Award 2010 2010 for "Best Home Loan Provider" Outlook Money Award for the year

Outlook Money Award 2010 2010 for "Best Education Loan Provider" 2nd prize of Indira Gandhi Rajbhasha Shield for promoting Hindi for the year 2008- by Dept. of Indian Official Language, 09.

Ministry of Home Affairs, GOI Gold trophy of SCOPE Meritorious Award By Standing Conference of Public for Excellence in Corporate Governance in Enterprises.

2009 5th Social and Corporate Governance Award

Under the Category of "Best Corporate By Bombay Stock Exchange for 2010 Social Responsibility Practice" Skoch Awards 2010 for "Computerisation of By Skoch for 2010 RRBs" Global HR Excellance Award 2010 for the outstanding Contribution to the cause of World HRD Congress Education Asia Best Employer Brand Award" for By World HRD Congress for 2010

Excellence in Training Award for Brand Excellance" under By CMO Asia for 2010

Banking & Financial Services

"CSR Excellence Award 2010" By ASSOCHAM

Skoch Challenge Award 2010 For Livelihood Linkage of the milk producers in Bulandshahr District, Uttar Pradesh Best use of Technology for Financial By IDRBT. Inclusion for 2009-10. Best Employer Brand Award By Employer Branding Institute, India Regional Round Award Winners-Indore Golden Peacock Award for Excellence in By Institute of Directors for 2009. Corporate Governance By Dainik Bhaskar in association with India Pride Awards for excellence in PSU Daily News and Analysis for 2009. Dun & Bradstreet Award for â€œPriority

Sector Lending including Financial By Dun & Bradstreet for 2009. Inclusion. By Khadi & Village Industry National Award for Excellence in Lending Commission, Ministry of Micro, Small & for Institutional Finance in Propagating KVI Medium Enterprises, Govt. of India, Programmes in NATIONAL LEVEL (Interest Subsidy Eligibility Certificate Scheme) for 2009. By Khadi & Village Industry National Award for Excellence in Lending Commission, Ministry of Micro, Small & for Institutional Finance for Propagating Medium Enterprises, Govt. of KVI Programmes in CENTRAL ZONE India(Prime Minister Employment Generation Programme) for 2009. By Khadi & Village Industry National Award for Excellence in Lending Commission, Ministry of Micro, Small & for Institutional Finance in Propagating KVI Medium Enterprises, Govt. of Programmes in NORTH ZONE India(Interest Subsidy Eligibility Certificate Scheme) for 2009. By Khadi & Village Industry National Award for Excellence in Lending Commission, Ministry of Micro, Small & for Institutional Finance in Propagating KVI Medium Enterprises, Govt. of Programmes in CENTRAL ZONE India(Interest Subsidy Eligibility Certificate Scheme) for 2009.