HERITAGE Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has the distinction of being the

first Indian bank to have been started solely withIndian capital. The bank was nationalized in July 1969 along with 13 other banks.From its modest beginning, the bank has grown in size and stature to become afront-line banking institution in India at present. A professionally managed bank with a successful track record of over 110 years. Largest branch network in India - 4062 branches and 447 Extension Counters spread throughout the country. Strategic business area covers the large Indo-Gangetic belt and the metropolitan centers. Ranked as 323rd biggest bank in the world by Bankers Almanac London. Strong correspondent banking relationships with more than 217 international banks of the world. More than 50 renovv11ed international banks maintain their Rupee Accounts with PNB. Well equipped dealing rooms; 20 different foreign currency accounts are maintained at major centers all over the globe. Rupee drawing arrangements with M/s UAE Exchange Centre, UAE, M/s Al Fardan Exchange Co. Doha, Qatar,M/s Bahrain Exchange Co, Kuwait, Mis Bahrain Finance Co, Bahrain,M/s Thomas Cook Al Rostamani Exchange Co. Dubai, UAE, and M/ s Musandam Exchange, Ruwi, Sultanate of Oman. LOGIC OF THE LOGO Established in 1895 at Lahore, then undivided India, Punjab NationalBank (PNB) has the distinction of being the first Indian bank to have been startedsolely with Indian capital. The bank was nationalized in

July 1969 along with 13other banks. From its modest beginning, the bank has grown in size and stature tobecome a front-line banking institution in India at present. It has more than 4000branches and over 400 extension counters. Strong correspondent bankingrelationship, which it maintains with over 200 leading international banks all overthe world, enhances its capabilities to handle transactions worldwide. More than50 renowned international banks maintain their Rupee Accounts with PNB. With its presence virtually in all the important centers of the country, PNB offersa wide variety of banking services which include corporate and personal banking,industrial finance, agricultural finance, financing of trade and internationalbanking. The large presence and vast resource base have helped the bank to buildstrong links with trade and industry. At the same time, the bank has beenconscious of its social responsibilities by financing agriculture and allied activitiesand small-scale industries. The bank is committed to maintaining the highest standards of service and will be covering more offices under this quality movement titled 'Alliance with Quality'. PROFILE With its presence virtually in all the important centres of the country, PunjabNational Bank offers a wide variety of banking services which include corporateand personal banking, industrial finance, agricultural finance, financing of tradeand international banking. Among the clients of the Bank are Indianconglomerates, medium and small industrial units, exporters, non-resident Indiansand multinational companies. The large presence and vast resource base havehelped the Bank to build strong links with trade and industry. Punjab National Bank is serving over 3.5 crore customers through 4062 branchesand 447 extension counters - largest amongst Nationalized Banks. The Bank wasrecently ranked 21st amongst top 500 companies by the leading financial daily,Economic Times. PNB's attempts at providing best customer service has earned it9th place among Indias Most Trusted top 50 service brands in EconomicTimesA.C Nielson Survey. PNB is also ranked 368 amongst the top 1000 banksin the world according to "The Banker" London. At the same time, the bank has been conscious of its social responsibilities byfinancing agriculture and allied activities and small scale industries (SSI).Considering the importance of small scale industries bank has established 31specialised branches to finance exclusively such industries.

Strong correspondent banking relationship which Punjab National Bank maintainswith over 200 leading international banks all over the world enhances itscapabilities to handle transactions world-\vide. Besides, bank has Rupee DrawingArrangements with 15 exchange companies in the Gulf and one in Singapore.Bank is a member of the SWIFT and over 150 branches of the bank are connectedthrough its computer-based terminal at Mumbai. with its state-ofart dealing roomsand well-trained dealers, the bank offers efficient forex dealing operations in India. The bank has been focussing on expanding its operations outside India and hasidentified some of the emerging economies which offer large business potential.Bank has set up representative offices at Almaty: Kazakhistan, Shanghai: Chinaand in London. Besides, Bank has opened a full fledged Branch in Kabul,Afghanistan. Keeping in tune with changing times and to provide its customers more efficientand speedy service, the Bank has taken major initiative in the field ofcomputerization. All the Branches of the Bank have been computerized. TheBank has also launched aggressively the concept of "Any Time, Any WhereBanking" through the introduction of Centralized Banking Solution (CBS) andover 2000 offices have already been brought under its ambit. PNB also offers Internet Banking services in the country for Corporates as wen asindividuals. Internet Banking services are available through all Branches of theBank networked under CBS. Providing 24 hours, 365 days banking right from thePC of the user, Internet Banking offers world class banking facilities like anytime,anywhere access to account, complete details of transactions, and statement of account, online information of deposits, loans overdraft account etc. PNB hasrecently introduced Online Payment Facility for railway reservation throughIRCTC Payment Gateway Project and Online Utility Bill Payment Services whichallows Internet Banking account holders to pay their telephone, mobile,electricity, insurance and other bills anytime from anywhere from their desktop. Another step taken by PNB in meeting the changing aspirations of its clientele isthe launch of its Debit card, which is also an ATM card. It enables the card holderto buy goods and services at over 99270 merchant establishments across thecountry. Besides, the card can be used to withdraw cash at more than 11000ATMs, where the 'Maestro' logo is displayed, apart from the PNB's over 600ATMs and tie up arrangements with other Banks.

QUALITY POLICY To effectively meet customers' requirements and endeavor to achieve total customer satisfaction. To gain consistent faith and confidence of customers and potential customers regarding the quality of services rendered. To pursue excellence through continuous improvement in all areas and to distinguish ourselves by the quality of our services. To achieve operational efficiency by attaining better productivity and profitability. To work and act in such a manner that all services rendered in due course of banking lead to excellence and improved credibility and image of the Bank ORGANISATIONAL STRUCTURE Bank has its Corporate Office at New Delhi and 25 Zonal Offices which in turnsupervise 48 Regional Offices under which the branches function. The delegationof powers is decentralised upto the branch level to facilitate quick decision making. CENTRALISED BANKING SOLUTION Welcome to the new age of banking convenience with PNB. PNB now brings to you Centralized Banking Solution (CBS). An inter branchnetworking and data sharing platform, which makes 'Anytime Anywhere' banking areality. With over 1000 branches to be networked in the near future, the status ofcostumers is changing from 'Customer of the branch' to 'Customer of the bank'. CBS- 'BENEFITS' TO CUSTOMERS Instant fund transfers Cheques collection/deposit across cities. Cheques can be deposited at the center where it is drawn . Interconnected ATM's

Access of accounts through any CBS connected branch SWIFT remittance facility Instant generation of statement of accounts PNB Prudent Sweep- Scheme for Saving Fund A/C Holders PNB Smart Roamer- Scheme for Current A/C Holder (Sweep in and Sweep out facility. At present CBS facility is available in 1229 Service Outlets.