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Updated:02 Dec, 2022, 16:13 PM IST

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Updated:02 Dec, 2022, 16:01 PM IST

Established in 1895 in Lahore, Punjab National Bank is one of the oldest banks in India having a virtual presence in every important center of the country. The bank has over 35 million customers through 4540 offices including 421 extension counters, out of which 2/3 of its branches in rural and semi rural areas–the largest among nationalized banks, which makes it enjoy one of the highest penetration rate of banking activities in the country.

Punjab National Bank caters to a wide variety of audience through spectrum of services including corporate and personal banking, industrial finance, agricultural finance and international finance. Sitting on a vast banking resources and significant presence in almost every lending sphere, the bank has a capital adequacy ratio (CAR), well above the Basel–2 regulatory requirement, at 12.96% as on June 2008, despite being exposed to numerous market and credit risk elements.

Constantly strengthening the capital adequacy ratio through internal accruals and a regular increase in Tier 1 capital has put the bank on a very comfortable and formidable position. Punjab National Bank has a net interest margin (NIM) higher than the industry average due to a mix of improving yields and low cost funding base and has one of the healthiest low cost current account saving account (CASA) ratio of 41.31%. It also enjoys the highest rating by all four domestic rating agencies and one of the few banks to boast a AAA rating on its perpetual debt issue.    

The bank has ambitious plans of major technological up–gradation to establish capability of having 100,000 terminals under the Core Banking Solutions (CBS) with a greater thrust on increasing international footprints.The bank has successfully migrated to the Basel 2 accord in February this year.

In a macro–prudential analysis of the Indian economy, it seems as the Indian banking industry has come a long way and entered in its ever challenging growth phase in a very prominent time as more than 49% of population financially excluded offers immense opportunity to the bank.

The core focus of the bank will be on retaining and further improving low cost deposits, lending to agriculture and small and medium enterprises and repositioning of subsidiaries and joint ventures.

At the time of global financial turmoil, where the banks all over the world are creeping under tremendous pressure, Punjab National Bank has managed to insulate itself away from fatal transactions and has strictly adhered to the RBI guidelines.

In July 2011, Punjab National Bank agreed to pick up a 30% stake in MetLife India which will make it the single largest shareholder in the private insurance company. The two parties have agreed that once the deal is finalized the company will be renamed PNB MetLife India.


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

Golden Peacock Award– for excellence in corporate governance in 2005 


Best Corporate Social Responsibility Practice Award
SCOPE Meritorious Award for Excellence in Corporate Governance 2009.
Golden Peacock Award for Excellence in Corporate Governance for 2009
India Pride Awards for Excellence in PSU Category
Award for Priority Sector Lending including Financial Inclusion
5 National Awards for the contribution made in promoting MSMEs
Skoch Challenge Award 2010 for livelihood linkage of the Milk producers in Bulandshahar District Uttar
Golden Peacock Innovative Product and Services Award for BCP Implementation for the year 2010
Best Info Sphere Warehouse Solution Award 2009 IBM
IDC Financial Insights Innovation Awards 2010
CIO 100 Awards for the Year 2009
Emerson Uptime Champion Awards for 2009 in the Government and PSU Category
Excellence in Training Award in 2009–10


SCOPE Meritorious Award for Best Managed Bank
Wind Power India Awards – Second Prize under the category of “Best Wind Power Project Financier ” 2011
Golden Peacock Award for Excellence in Corporate Social Responsibility
Golden Peacock National Training Award 2010 6th BML Munjal Award for Excellence in Learning & Knowledge Development ” 2010
Rolta Corporate Award 2010– Top Indian Company under “Banks” Category
Best Corporate Social Responsibility Practice Award 2011
Award for “Computerization of RRBs ” for 2010
Award for “ Best Home Loan Provider” for 2010
Award for “Best Education Loan Provider” 2010
Global HR Excellence Award 2010 for the outstanding Contribution to the cause of Education
Asia's Best Employer Brand Award
Award for Brand Excellence under Banking & Financial Services
CSR Excellence Award 2010                                                                                                                        


Best Bank Award 2011
Most Socially Responsive Bank 2011
Overall Most Productive Bank Award 2011
Golden Peacock National Training Award
Best in Corporate Social Responsibility overall
Skoch Financial Inclusion Award for its Jana Mitra Rickshaw Scheme
India pride Awards in Corporate Social Responsibility (CSR)
Editorial Board Roll of Honour by CNBC TV18 India Best Banks and Financial Institutions Awards
Global HR Excellence Award under the category ''Organisation with Innovative HR Practices''
Two Awards for SME financing
–For lending under Prime Minister's Employment Generation Programme (PMEGP)Scheme in North Zone and for Lending in Khadi and Village Industry Commission ( KVIC) Interest Subsidy Scheme on All India level.
Best Bank Awards among Large Banks for ''IT for Internal Effectiveness''
Golden Peacock Award for HR Excellence 2011
Award for Excellence in Training                                                                   


Golden Peacock Business Excellence Awards for the year 2011–12
Social and Corporate Governance Award– Best Corporate Social Responsibility
Most Socially Responsive Bank 2012
Best Public Sector Bank
Best Bank and Financial Institutions Awards 
Organisation with Innovative HR Practices
Best online Bank ( 1st Runner Up) Indian Banks' Association
Bank with Best Use of Business Intelligence (W inner)
Bank with Best Risk Management and Security Initiatives(winner)
Bank with Best Financial Inclusion Initiatives (Second Runner Up)
Best Bankers' Award under Agriculture Credit–Large
Best Public Sector bank under Priority Sector Lending
3rd CMO Asia Excellence for Branding & Marketing under Banking, Financial Institutions and Insurance
3rd Asia's Best Employer Brand Awards– Excellence in Training                 '

Subsidiaries of Punjab National Bank

  • PNB Gilts 
  • PNB Housing Finance
  • PNB Investment Services
  • PNB Insurance Broking
  • PNB Life Insurance Co.

Joint Ventures of Punjab National Bank

  • Principal PNB Asset Management Company
  • Principal Trustee Company
  • Assets Care Enterprises
  • India Factoring & Finance Solutions


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