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Deposits

249330
250000
209767

200000
166457
142609

150000
117173

100000

50000

0
30/06/2006 30/06/2007 30/06/2008 30/06/09 30/06/10

Note: Figures are in crore Rs.

INTERPRETATION :

Deposits has been increasing at consistent rate. The share of Bank’s deposits to total resources was 84.05
percent as on 31st March 2010. Bank’s total deposits amounted to Rs 2,49,330 crore as on March 31, 2010,
showing an absolute accretion of Rs 39,570 crore and a growth of 18.9 percent over previous year.
The share of low cost deposits (current + savings) in total deposits stood at 40.85 percent.
REVENU FROM DIFFERENT SEGMENTS

Revenue Growth in segments

Treasury Corporate/Wholesale Banking


Retail Banking Other Banking Operations

12000
10122
9454

10000 8184
6197

8000
5422 5878

6000

4000
1117 847

2000

0
Year ended on 31/03/2009 Year ended on 31/03/2010
Note: Figures are in crore Rs.

INTERPRETATION :

Retail banking amounts for is the second largest revenue generator after corporate/wholesale banking.
Revenue from retail banking reduced at 15.52 % from 945486 to 818443. Revenue from Treasury shown a
low growth rate of 8.40 % while other banking operations showed negative growth.
Revenue generate in segments in financial year
2009-10

Treasury Corporate/Wholesale Banking


Retail Banking Other Banking Operation

84720
3% 587825
23%
818443
33%

1012234
41%

Note: Figures are in crore Rs.

INTERPRETATION :

Retail banking amounts for 33% of total revenue of Punjab National Bank. While corporate/wholesale
banking is the largest contributor to the revenue with 41 % , revenue from other banking operations keeps
on decreasing and stands at 3 %.

Recommendation :

With increasing industrialization in India the share of revenue coming from corporate/wholesale banking
will continue to rise. Retail banking will also fuel the revenue with increasing demand of vehicle and
education loan. Concentration should be done in promoting both retail and corporate/wholesale banking.
Which are going to be the largest source of revenue in near future.
Retail Credit

19,214
20,000 15,947
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0
Year ended on 31/03/2009 Year ended on 31/03/2010

Note: Figures are in crore Rs.

INTERPRETATION :

The Bank continued to use retail as a growth trigger. It reviewed its loan schemes and revisited the loan
delivery mechanism which resulted in growth of retail credit from Rs. 15,947 crore as on 31.03.2009 to Rs.
19,214 crore on 31.03.2010, registering an increase of 20.49%.
Growth in key credit areas :

Education Loan House loan Vechile loan

10,000 8,366 9,538

9,000

8,000

7,000

6,000

5,000
4,000
1,559 2,272
3,000
1,168 1,309
2,000

1,000

0
Year ended on 31/03/2009 Year ended on 31/03/2010

Note: Figures are in crore Rs.

INTERPRETATION :
Education Loans continue to be the thrust area which received Bank’s focused attention and grew by 46%
to Rs. 2,272 crore as on 31.3.2010 from Rs. 1,559 crore as on 31.03.2009. While Housing loans increased
to Rs. 9,538 crore as on 31.03.2010 showing a growth of 14%, Vehicle loan increased to Rs. 1,309 crore
posting a growth of 12%.

Recommendation :
Education loan holds a lot of potential and has shown highest growth so far. Focus on Education Loan
should increase and inclusion of different stream of education. The maximum amount of education loan
should also be increased. Also vehicles loan need more attention with more and more middle class going
towards four wheeler and affordable options available bank should explore the growing auto market in
India.

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