PUNJAB NATIONAL BANK Pillar 3 Disclosures under Basel III Framework

8/10/2019 PUNJAB NATIONAL BANK Pillar 3 Disclosures under Basel III Framework

1/48


2/48

PNB G L.

(I)

C

AS21,

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AS21,

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N

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PNB H

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PNB

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(U.K.)

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D PNB C C N N


3/48

B L

(B)

AS21,

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AS21,

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JSC SB PNB

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(K)

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246.22 81.00 I

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246.22

#PNB L

I

C

L.

(I)

D

25.04.2013

16.04.2013

NIL NIL NIL NIL

@Steps are being taken for winding up of the company as the license has already beensurrendered on 14.02.2011.

# The company wound up as per Honble High Court order dated 16.04.2013.


4/48

. .

`

&

31 2014

(A

)

A 31 2014

(A

)

PNB G L. (I) T G. S

T B N SLR

I

6655.23 45566.35

PNB H F

L. (I)

P H L

,

9346.43 117269.38

PNB I

S L. (I)

M , P

, L

364.86 369.16

PNB (I)

L. (U.K.)

B 7423.68 116225.12

D PNB B L.

(B)

B 449.39 7530.60

JSC SB PNB

K

(K)

B 4004.26 4648.65


5/48

.

T B 31 M 2014.

. (.. )

, :`

N

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31

2014

%

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PNB IB P

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NIL 246.22 81.00% N A

PNB M I

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L(I)

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20639.56 30% R

PNB L I

L (I)

NIL NIL NIL N A

. A

B.


6/48

2 : A

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R M P & P, C M & R , I

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7/48

S & M E (SME) R S

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A GM & HO/ F G M

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8/48

. I , ,

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T S A ,

I R B A.RBI

I I R B (IRB) A C C C R, C N. RBI/ 201112/ 311

DBOD.N.BP.BC.67/ 21.06.202/ 201112 22.12.2011. B

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9/48


10/48

T ,

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B ,

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31.3.2014

P 328386.20

S NIL

() T ( ) :

(` )

R C 31.3.2014

) I R R 18546.14

) F E R ( G) 240478.55

) E R 5601244.33

) T

S ( + + )

5860269.02

() T :` )

C 31.3.2014

()B 256805.03


11/48

) T S ( ) 36591.00

() C E T 1, T 1 T C :

P N B (G)

31.3.2014

C T 1 C (%) (B III 9.00

T 1 C (%) (B III) 9.32

T 2 C (%) (B III) 2.79

T C (CRAR) (%) (B III) 12.11

F S B S:

N

C

T 1 C

(%) (B III

T 1 C

(%) (B III)

T 2 C (%)

(B III)

T C

(CRAR) (%) (B III)

31.3.2014 31.3.2014 31.3.2014 31.3.2014

PNB G

L

49.14 49.14 49.14

PNB

H

F

L

10.18 10.18 2.95 13.13

P

N

B(I

) L.

11.50 11.50 5.92 17.42

PNB

I

S

L.

NA NA NA NA

D PNB

B L.

NA NA NA NA

JSC SB

PNBK

94.45 94.45 5.64 100.09

PNB NA NA NA NA


12/48


13/48

() T :

(` )

C 31.3.2014

F B 3769757.52

N F B 842162.88

() T :

(` )

C O D

31.3.2014

31.3.2014

F B 459298.43 3310459.09

N 178868.95 663293.93

()() I (F B) :

(` )

S.NO. CODE INDUSTR 31.3.2014

A

E

(1)

O (1)

E

S

(

)

1 1 COAL 10549.74

2 2 MINING 11077.613 3 IRON AND STEEL 221553.01

4 4 OTHER METAL & METAL

PRODUCTS 13390.83

5 5 ALL ENGINEERING 71102.29

5.1 O (005) E 10768.09

6 6 ELECTRICIT 98546.39

7 7 COTTON TEXTILES 37679.00

8 8 JUTE TEXTILTES 1329.20

9 9 OTHER TEXTILES 47263.45

10 10 SUGAR 51691.1011 11 TEA 60.70

12 12 FOOD PROCESSING 55857.49

13 13 VEGETABLE OILS AND 13345.40


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VANASPATI

14 14 TOBACCO & TOBACCO

PRODUCTS 313.40

15 15 PAPER & PAPER PRODUCTS 15345.60

16 16 RUBBER & RUBBER PRODUCTS 5782.00

17 17 CHEMICALS, DES, PAINTS,

ETC. 67255.24

17.1 O F 22517.70

17.2 O P 3846.00

17.3 O D &

P

17040.14

18 18 CEMENT 26377.15

19 19 LEATHER & LEATHER

PRODUCTS 8217.20

20 20 GEMS AND JEWELLER 44830.3521 21 CONSTRUCTION 72552.04

22 22 PETROLEUM 19294.31

23 23 AUTOMOBILES INCLUDING

TRUCKS 14625.86

24 24 COMPUTER SOFTWARE 3610.92

25 25 INFRASTRUCTURE 58267.13

25.1 O P 328371.28

25.2 O T 64559.73

25.3 O R & P 130454.12

26 26 NBFC 134899.5927 27 TRADING 145172.59

28 28 OTHER INDUSTRIES

TOTAL 1972671.11

29 29 R O A 1797086.41

GRAND TOTAL 3769757.52

I 5% :

1 3 IRON AND STEEL 221553.01

2. 25 INFRASTRUCTURE 585267.13


15/48

() I (N F B) :

S.NO. CODE INDUSTR 31.3.2014

A

E

(1)

O (1)

E

S

(

)

1 1 COAL 455.30

2 2 MINING 9438.30


4 4 OTHER METAL & METAL

PRODUCTS 3209.00

5 5 ALL ENGINEERING 50171.70

5.1 O (005) E 4485.40

6 6 ELECTRICIT 5255.30

7 7 COTTON TEXTILES 2412.20

8 8 JUTE TEXTILTES 87.40

9 9 OTHER TEXTILES 7923.70

10 10 SUGAR 4004.80

11 11 TEA 0.7012 12 FOOD PROCESSING 8194.40

13 13 VEGETABLE OILS AND

VANASPATI 16265.70

14 14 TOBACCO & TOBACCO

PRODUCTS 19.90

15 15 PAPER & PAPER PRODUCTS 2333.80

16 16 RUBBER & RUBBER PRODUCTS 658.90

17 17 CHEMICALS, DES, PAINTS, .. 14813.00

17.1 O F 2894.20

17.2 O P 2150.20

17.3 O D &

P 3778.20


16/48

18 18 CEMENT 2712.90

19 19 LEATHER & LEATHER

PRODUCTS 898.30

20 20 GEMS AND JEWELLER 3458.80

21 21 CONSTRUCTION 3721.55

22 22 PETROLEUM 1113.10

23 23 AUTOMOBILES INCLUDING

TRUCKS 2403.16

24 24 COMPUTER SOFTWARE 165.66

25 25 INFRASTRUCTURE 102819.11

25.1 O P

25.2 O T 27676.40

25.3 O R & P 9244.90

26 26 NBFC 1251.60

27 27 TRADING 40985.2228 28 OTHER INDUSTRIES 64516.93

TOTAL 439359.43

29 29 R O A 402803.45

GRAND TOTAL 842162.88

I 5% :


2 27 TRADING

3 5 ALL ENGINEERING 50171.704. 25 INFRASTRUCTURE 102819.11

() T : (` )

M P A* I

(G)

F C

A*

N 289016.09 11548.79 23794.84

2 7 89317.52 36539.45 28850.62

8 14 74117.35 1663.63 10937.20

15 28 80050.96 5351.87 51064.67


17/48

29 3 246816.29 49350.83 215276.67

>36 155162.34 13769.65 153060.17

>61 336906.84 77584.73 154758.20

>13 1700043.70 193691.31 115885.24

>35 273212.68 236484.89 29132.90

>5 340567.61 898871.78 5445.42

T 3585211.38 1524856.94 788205.91*F .

() T NPA :

(` )

C 31.3.2014

S S 75977.37

D 1 64839.27

D 2 32790.41

D 3 11432.86

L 8834.02

T NPA (G) 193873.94

() T N NPA :

(` )

P 31.3.2014

N NPA 101815.85

() T NPA R :

NPA R 31.3.2014

% G NPA G A 5.10

% N NPA N A 2.77

() T NPA :


18/48

(` )

M NPA 31.3.2014

) O B 137395.46

) A 110701.58

) R 54223.10

) C B ( + ) 193873.94

() T NPA :

(` )

M NPA 31.3.2014

) O B 62148.24

) P 55083.18

) W 1252.83

) W

26179.63

) C B ( +

)

89798.96

() T :

(` )

P 31.3.2014

A 1664.92

() T :

(` )

P 31.3.2014

A

1632.47

() T :

(` )

M 31.3.2014

) O 5138.74

) P 7064.72

) W NIL

) W 65.55

) C 12137.92


19/48

( + )

4 : A

()

4.1. B 6 RBI

CRISIL

CARE

I R

ICRA

B

SMERA

B 3 RBI

S & P

M

FITCH

T (L T & S T) /

. T

.

T RBI .

() F , ( )

; :

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P 31.3.2014

) B 100% 1895791.91

) 100% 1802936.79

) M 100%

854139.54


20/48

) D 15971.17

5: : A

()

5.1 B B C R M C M

P , ,

. H,

.

5.2 T B

(.. , ./ , , ,

.). A

.

5.3 G, , , ,

B . U

RBI .

5.4 M B

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31.3.2014

) F ,

(, ,

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.

340067.83

) F ,

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( RBI)

137298.76


21/48

6 : : A

B/G .

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()

7.1. RBI S M M ( )

B. B S

M M RBI , B I M A

(A A M ) V R (VR) ,

.

:

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R C 31.3.2014

) I R R 18349.06

) E R 5874.91

) F E R ( G ) 180.00

)T

S (++)

24403.97

8:

()

8.1. A RBI , B

I (BIA) ... 31.03.2008. T BIA 2723.82

31.03.2014.

B RBI ."T S A

(TSA) RBI TSA

BIA TSA.

9: B B (BB)


22/48

()

9.1. T . D

. P N I I (NII), N I

M (NIM), ROA & . B

.

()

T :

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T 1: I

M P G OP*

N G T A(` )

N G

%

T

A(RSARSL)(` )

(I. ) (1+2)(` )

1 2 3 4 5

128 67611.71 6750.00 60861.71 748230.79 8.13%

29 3

1208374.82 2507.45 1205867.37 2009771.34 60.00%

>3 6 416345.50 2496.15 418841.66 352664.29 118.76%

>6 12 512294.68 0 512294.68 516493.10 99.19%

>1 3 . 1212914.22 0 1212914.22 983375.78 123.34%

>3 5 . 172337.97 5003.60 177341.57 452424.21 39.20%

O 5 791944.19 0 791944.19 1046166.53 75.70%

* O : FRA, S, F, O &

T RBI . T

29 3 .

E R: I 0.5 % / NII/NIM

(` )

R P E NII 0.50%

U 6 1746.84

U 1 3021.71


23/48

E V A:

T

. T 200

. A

.

10:

()

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. T ,

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.

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.

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24/48

:() (` )

A

G 304.42

N B 0.00

N 304.42C 0.00

304.42

()

A

C CC I R S 474.40 192.36

F R A 0.00 0.00

S CC I R S 22750.00 112.06

I R F 0.00 0.00

C D S 0.00 0.00

T 23224.40 304.42


25/48

Table DF-11 :Composition of Capital

(Rs. In million )Basel III common disclosure template to be used during the transition of

regulatory adjustments (i.e. from April 1, 2013 to December 31, 2017)AmountsSubject toPre-Basel

III

Treatment

RefNo

Common Equity Tier 1 capital: instruments and reserves

1 Directly issued qualifying common sharecapital plus relatedstock surplus (share premium) 3620.40 (A)

2 Retained earnings

4731.1

3 Accumulated other comprehensiveincome (and other reserves)

350042.50

4 Directly issued capital subject to phaseout from CET1 (only applicable to non-joint stock companies1) 0

Public sector capital injectionsgrandfathered untilJanuary 1, 2018

5 Common share capital issued bysubsidiaries and held by third parties(amount allowed in group CET1) 0

6 Common Equity Tier 1 capitalbefore regulatoryadjustments 358394.00

Common Equity Tier 1 capital: regulatory adjustments

7 Prudential valuation adjustments

0


26/48

8 Goodwill (net of related tax liability)

0

9 Intangibles other than mortgage-servicing rights (net of

related tax liability) 344.60 516.90

(L)

(i)

10 Deferred tax assets 2

2294.60 3441.90

11 Cash-flow hedge reserve

0

12 Shortfall of provisions to expected losses

0

13 Securitisation gain on sale

0

14 Gains and losses due to changes in owncredit risk on fair valued liabilities

0

15 Defined-benefit pension fund net assets(AS per RBI- Pension and Gratuity

Option)0

16 Investments in own shares (if not alreadynetted off paid-in capital on reportedbalance sheet) 0

17 Reciprocal cross-holdings in commonequity

241.8

18 Investments in the capital of banking,financial and insurance

entities that are outside thescope of regulatory consolidation, netof eligible short positions, where the bankdoes not own more than 10% of theissued share capital

0


27/48

(amount above 10% threshold)

19 Significant investments in the commonstock of banking,regulatory

consolidation, net of eligible shortpositions(amount above 10% threshold)3

0

20 Mortgage servicing rights4 (amountabove 10% threshold) Not

Relevant

21 Deferred tax assets arising fromtemporary differences5(amount above 10% threshold, net ofrelated tax liability)

NotRelevant

22 Amount exceeding the 15% threshold6

Not

Relevant

23 of which: significant investments in thecommon stock offinancial entities

NotRelevant

24 of which: mortgage servicing rights

NotRelevant

25 of which: deferred tax assets arisingfrom temporary differences Not

Relevant

26 National specific regulatoryadjustments(26a+26b+26c+26d)

6647.30

26a of Which : Investments in the equitycapital of the unconsolidated insurancesubsidiaries. 0

26b of Which : Investments in the equitycapital of the unconsolidated non-

financial subsidiaries.0


28/48

26c of Which : Shortfall in the equity capital ofmajority owned financial entities whichhave not been consolidated with thebankl

0

26d Of which : Unamortized Pension fundsexpenditure

6647.30

Regulatory Adjustments applied toCommon Equity Tier 1 in respect ofamounts Subject to Pre Basel IIITreatment

Of which : Insert Type of Adjustment) ForExample : filtering out of unrealisedLosses on AFS Debt securities ( Notrelevant in Indian Context

Of Which : ( Insert Typr of Adjustment)

Of Which : ( Insert Typr of Adjustment)

27 Regulatory adjustments applied toCommon Equity Tier 1 due to insufficientAdditional Tier 1 and Tier 2 to coverdeductions

28 Total regulatory adjustments toCommon equity Tier 1 ( Total 7 to 22,

26,279528.30

29 Common Equity Tier 1 capital (CET1)

348865.70

Additional Tier 1 capital:instruments

30 Directly issued qualifying Additional Tier1 instruments plus related stock surplus

(31+32)0


29/48

31 of which: classified as equity underapplicable accounting standards(Perpetual Non-Cumulative PreferenceShares)

0

32 of which: classified as liabilitiesunder applicableaccounting standards

(Perpetual debt Instruments) 0

33 Directly issued capital instrumentssubject to phase out fromAdditional Tier 1 16164.00

34 Additional Tier 1 instruments (and CET1instruments not included in row 5) issuedby subsidiaries and held by third parties(amount allowed in group AT1)

181.80

35 of which: instruments issued bysubsidiaries subject to phase out

0

36 Additional Tier 1 capital beforeregulatory adjustments

16345.80

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1instruments

0

38 Reciprocal cross-holdings in AdditionalTier 1 instruments

166.1

39 Investments in the capital of banking,financial and insuranceentities that are outside thescope of regulatory consolidation, netof eligible short positions, where the bankdoes not own more than 10% of theissued common share

capital of the entity (amount above 10%threshold)

0


30/48

40 Significant investments in the capital ofbanking, financialand insurance entities that areoutside the scope of regulatoryconsolidation (net of eligible shortpositions)10

0

41 National specific regulatory adjustments(41a+41b)0

41a Investments in the Additional Tier 1capital of unconsolidated insurancesubsidiaries 0

41b Shortfall in the Additional Tier 1 capital ofmajority ownedfinancial entities which have not beenconsolidated with thebank

0

Regulatory Adjustments Applied toAdditional Tier 1 inrespect of Amounts Subject to Pre-BaselIII Treatment

0

of which: [e.g. DTAs]

3441.90

of which: [INSERT TYPE OFADJUSTMENT e.g. existing adjustmentswhich are deducted from Tier 1 at 50%]

of which: [Intangible Asets]

516.90

42 Regulatory adjustments applied toAdditional Tier 1 due to insufficient Tier 2to cover deductions

43 Total regulatory adjustments toAdditional Tier 1 capital

3958.80

44 Additional Tier 1 capital (AT1)

12387


31/48

44a Additional Tier 1 capital reckoned forcapital adequacy11

12387

45 Tier 1 capital (T1 = CET1 + AT1) (29 +44a)

361252.70

Tier 2 capital: instruments and provisions

46 Directly issued qualifying Tier 2instruments plus relatedstock surplus 0

47 Directly issued capital instrumentssubject to phase out from

Tier 275498.8

48 Tier 2 instruments (and CET1 andAT1 instruments notincluded in rows 5 or 34) issued bysubsidiaries and held by third parties(amount allowed in group Tier 2)

1684.70

49 of which: instruments issued bysubsidiaries subject to phase out

0

50 Provisions12

33790.39

51 Tier 2 capital before regulatoryadjustments

110973.89

Tier 2 capital: regulatory adjustments

52 Investments in own Tier 2 instruments

0


32/48

53 Reciprocal cross-holdings in Tier 2instruments

899.00

54 Investments in the capital of banking,financial and insurance

entities that are outside thescope of regulatory consolidation,net of eligible short positions, wherethe bankdoes not own more than 10% of theissued common share capital of theentity (amount above the 10%threshold)

0

55 Significant investments13 in thecapital banking, financial andinsurance entities that are outside thescope of regulatory consolidation (netof eligible short positions)

0

56 National specific regulatoryadjustments (56a+56b)0

56a Of which : Investments in the Tier 2capital of unconsolidated subsidiaries

0

56b of Which : Shortfall in the Tier 2 Capitalof majority owned financial entitieswhich have not been consolidated withthe Bank

0

Regulatory Adjustments Applied to Tier2 in respect of amounts subject to prebasel III Treatment 0

of which : Investment by EmployeesPension Funds

1720

of which : (Insert Type of adjustment)

0

57 Total regulatory adjustments to Tier 2capital

2619.00


33/48

58 Tier 2 Capital (T2)

108354.89

58a Tier 2 capital reckoned for capitaladequacy

108354.89

58b Excess Additional Tier 1 Capitalreckoned as Tier 2 capital

0

58c Total Tier 2 capital admissible forcapital adequacy (58a+58b)

108354.89

59 Total Capital (TC= T1+T2) (45+58c)

469607.59

Risk Weighted Assets in respect ofAmounts subject to Pre Basel IIITreatment 0

Of which : (Insert Type of Adjustment)

0

of which :

0

60 Total Risk Weighted Assets (60a+60b+60c)

3877173.08

60a of which: total credit risk weightedassets

3288619.48

60b of which: total market risk weightedassets

268925.10


34/48

60c of which: total operational risk weightedassets

319628.50

Capital ratios

61 Common Equity Tier 1 (as a percentage ofrisk weighted assets)

9.00%

62 Tier 1 (as a percentage of risk weightedassets)

9.32%

63 Total capital (as a percentage of riskweighted assets)

12.11%

64 Institution specific buffer requirement(minimum CET1 requirement plus capitalconservation and countercyclical bufferrequirements, expressed as a percentage ofrisk weighted assets)

4.50%

65 of which: capital conservation bufferrequirement

0

66 of which: bank specific countercyclical bufferrequirement

0

67 of which: G-SIB buffer requirement

0

68 Common Equity Tier 1 available to meetbuffers (as a percentage of risk weightedassets) 4.41%

National minima (if different from Basel III)


35/48

69 National Common Equity Tier 1 minimumratio (if different from Basel III minimum)

5.50%

70 National Tier 1 minimum ratio (if differentfrom Basel III

minimum) 7.00%

71 National total capital minimum ratio (ifdifferent from Basel IIIminimum) 9.00%

Amounts below the thresholds for deduction(before risk weighting)

72 Non-significant investments in the capital ofother financial entities

0

73 Significant investments in the commonstock of financialentities 0

74 Mortgage servicing rights (net of related taxliability)

Notapplicable inIndia

75 Deferred tax assets arising from temporarydifferences (net

of related tax liability)

Notapplic

able inIndia

Applicable caps on the inclusion of provisions in Tier 2

76 Provisions eligible for inclusion in Tier 2 inrespect of exposures subject tostandardised approach (prior toapplication of cap)

33790.39

77 Cap on inclusion of provisions in Tier 2under standardised approach

48464.66


36/48

78 Provisions eligible for inclusion in Tier2 in respect of exposures subject tointernal ratings-based approach (prior toapplication of cap)

NA

79 Cap for inclusion of provisions in Tier2 under internal ratings-based approach

NA

Capital instruments subject to phase-out arrangements(Only applicable between March 31,2017 and March 31,2022)

80 Current cap on CET1 instruments subjectto phase outarrangements

Notapplicable

inIndia

81 Amount excluded from CET1 due to cap(excess over cap after redemptions and

maturities)

82 Current cap on AT1 instruments subject tophase out

arrangements

83 Amount excluded from AT1 due to cap(excess over cap

after redemptions and maturities)

84 Current cap on T2 instruments subject tophase out arrangements

85 Amount excluded from T2 due to cap (excessover cap afterredemptions and maturities)


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Extract of Basel III common disclosure template (with added column) Table DF-11 (Part I/ Part II whichever, applicable)Common Equity Tier 1 capital: instruments and reserves

Component ofregulatorycapital reportedby bank

Source based onreferencenumbers/letters of thebalance sheet underthe regulatory scopeof consolidation fromstep 2

1 Directly issued qualifying commonshare (and equivalent for non-jointstock companies) capital plus relatedstock surplus

3620.40 e

2 Retained earnings 0

3 Accumulated other comprehensiveincome (and other reserves)

350042.50

4 Directly issued capital subject to phaseout from CET1 (only applicable to non-

joint stock companies)0

5 Common share capital issued bysubsidiaries and held by third parties(amount allowed in group CET1) 969.70

6 Common Equity Tier 1 capital beforeregulatory adjustments

354632.60

7 Prudential valuation adjustments0

8 Goodwill (net of related tax liability)0

a-c


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T DF12: C C R R (S 1)

.

Balance sheet asin financialstatements

Balance sheetunder regulatory scope of

consolidation

As onreporting date

As onreporting date

A Capital & Liabilities

i Paid-up Capital 3620.70 3620.70

Reserves & Surplus 376646.17 376452.57

Minority Interest 4231.15 4231.15

Total Capital 384498.02 384304.42

ii Deposits 4612035.31 4612035.31

of which: Deposits frombanks

186020.31 186020.31

of which: Customer deposits 4426014.99 4426014.99of which: Other deposits(pl. specify)

0 0

iii Borrowings 590333.07 590333.07

of which: From RBI 152795.10 152795.10

of which: From banks 47087.87 47087.87

of which: From otherinstitutions &agencies

29326.58 29326.58

of which: Others (pl. specify) 209905.75 209905.75

of which: Capital instruments 151217.78 151217.78

iv Other liabilities & provisions 160673.12 160622.12

Total 5747539.51 5747294.91

B Assets

i Cash and balances withReserveBank of India

224061.44 224061.44

Balance with banks andmoney at call and shortnotice

244598.46 244368.75

ii Investments: 1492246.99 1492246.99

of which: Governmentsecurities

1162626.80 1162626.80

of which: Otherapproved securities

3002.06 3002.06


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of which: Shares 27552.59 27552.59

of which: Debentures &Bonds

193244.31 193244.31

of which: Subsidiaries /JointVentures / Associates

12318.65 12318.65

of which: Others(CommercialPapers, Mutual Funds etc.)

93502.57 93502.57

iii Loans and advances 3660732.11 3660732.11

of which: Loans andadvances tobanks

311573.97 311573.97

of which: Loans andadvances tocustomers

3349158.14 3349158.14

iv Fixed assets 34904.37 34904.37

v Other assets 91661.47 91646.59of which: Goodwill andintangibleassets

890.21 890.21

of which: Deferred tax assets 5738.86 5738.86

vi Goodwill on consolidation -665.33 665.33

vii Debit balance in Profit &Lossaccount

0.00 0.00

Total Assets 5747539.51 5747294.91


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T DF12: C C R R (S

2)

(R. I )

Balancesheet as in

financialstatements

Balance sheetunder

regulatoryscope ofconsolidation

R

N.

As onreportingdate

As on reportingdate

A Capital & Liabilities

i

Paid-up Capital 3620.70 3620.70 (A)

of which : Amount eligible for CET 1 3620.70 3620.70 (A) ()

Reserves & Surplus 376646.17 376452.57 (B)

of which : Amount eligible for CET 1 353803.91 353803.91 (B) ()

Stock surplus (share premium) 64115.11 64115.11 (B) ()Statutory reserves 90992.90 90992.90 (B) ()

Other disclosed free reserves 181616.50 181616.50 (B) ()

Capital reserves representing surplusarising out of sale proceeds of assets

12348.30 12348.30 (B) ()

Balance in Profit & Loss Account at theend of the previous financial year

0.00 0.00 (B) ()

Current Financial Year Profit, to the extentadmissible

4731.10 4731.10(B)

()

Revaluation Reserves @ discount of 55%

(Part of Tier 2 Capital)

6358.49 6358.49(B)

()

General Provisions (Part of Tier 2 Capital) 0.00 0.00 (B) ()

Investment Reserve (Part of Tier 2 Capital) 1701.09 1701.09 (B) ()

Minority Interest 4231.15 4231.15

Total Capital 384498.02 384304.42 (D)

ii

Deposits 4612035.31 4612035.31 (E)

of which: Deposits from banks 186020.31 186020.31 (E) ()

of which: Customer deposits 4426014.99 4426014.99 (E) ()

of which: Other deposits (pl. specify) 0 0 (E) ()

iiiBorrowings 590333.07 590333.07 (F)of which: From RBI 152795.10 152795.10 (F) ()

of which: From banks 47087.87 47087.87 (F) ()


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of which: From other institutions & agencies 29326.58 29326.58 (F) ()

of which: Others (pl. specify) 209905.75 209905.75 (F) ()

of which: Capital instruments 151217.78 151217.78 (F) ()

of which -

(a) Eligible for AT1 Capital 16164.00 16164.00 F()

(b) Eligible for Tier 2 Capital 75500.00 75500.00 F()

iv

Other liabilities & provisions 160673.12 160622.12 (G)

of which DTLs related to goodwill 0 0 (G) ()

of which DTLs related to intagible assets 0 0 (G) ()

Total 5747539.51 5747294.91

B Assets

iCash and balances with Reserve Bank of India 224061.44 224061.44 (H) ()

Balance with banks and money at call andshort notice

244598.46 244368.75 (H) ()

ii

Investments 1492246.99 1492246.99 (I)

of which: Government securities 1162626.80 1162626.80 (I) ()

of which : Other approved securities 3002.06 3002.06 (I) ()

of which: Shares 27552.59 27552.59 (I) ()

of which: Debentures & Bonds 193244.31 193244.31 (I) ()

of which: Subsidiaries /Joint/Centures/Associates

12318.65 12318.65 (I) ()

of which: Others (Commercial Papers, MutualFunds etc.)

93502.57 93502.57 (I) ()

iii

Loans and advances 3660732.11 3660732.11 (J)

of which: Loans and advances to banks 311573.97 311573.97 (J) ()

of which: Loans and advances to customers 3349158.14 3349158.14 (J) ()

iv Fixed assets 34904.37 34904.37 (K)

v

Other assets 91661.47 91646.59 (L)

of which : Goodwill and intangible assets,out of which :

890.21 890.21 (L) ()

Goodwill 0 0 (L) ()Other intangibles (excluding MSRs) 890.21 890.21 (L) ()

Deferred tax assets 5738.86 5738.86 (L) ()

vi Goodwill on consolidation -665.33 -665.33 (M)


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vii Debit balance in Profit & Loss accounts 0.00 0.00 (N)

Total Assets 5747539.51 5747294.91


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TABLE DF 14: FULL TERMS AND CONDITIONS OF REGULATORY CAPITAL INSTRUMENTS.Sr.No INSTRUMENT (PNB) FULL TERMS AND CONDITIONS

1. Equity Shares Ordinary Shares, non-cumulative

Sr.No INSTRUMENT (PNB) FULL TERMS AND CONDITIONS

1. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts Capital

Instruments) Series XI in the nature of PromissoryNote.INE160A09124

Issue Size: Rs. 500 Crore with Green shoeoption of Rs. 500 Crore, Date of Allotment:

June 16, 2006, Date of Redemption:16.04.2016, Par Value: Rs.1 Million, Put andCall Option: At par at the end of 10th yearfrom deemed date of allotment (with the priorpermission of RBI) Rate of Interest andfrequency: @8.45% p.a. Listing: On theNational Stock exchange of India Ltd (NSE), Allin Dematerialised form.

2.

Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series XII in the nature of PromissoryNote.INE160A09132

Issue Size: Rs.115 crores Date OfAllotment: August 16, 2006 Date ofRedemption: April 16, 2016 Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI) Rateof Interest and Frequency: @9.15% p.a.

Listing: On the National Stock exchange ofIndia Ltd (NSE) , All in Dematerialised form.

3. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series XIII in the nature of PromissoryNote.INE160A09140

Issue Size: Rs.500 crores Date OfAllotment: Sep 16 2006, Date ofRedemption: April 8 2016 Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @8.95% p.a.Listing: On the National Stock exchange ofIndia Ltd (NSE) , All in Dematerialised form.

4. Unsecured Redeemable Non Convertible Bonds UT

Series I in the nature of Promissory NotesINE160A09157

Issue Size: Rs.500 crores, Date Of Allotment:

Dec.8 2006, Date of Redemption: ParValue: Rs.1 million, Put and call Option: At parat the end of 10th year from deemed date ofallotment (with the prior permission of RBI) ,Rate of Interest and Frequency: @8.80%Annual for the first Ten years and 9.30%annual for last 5 years if call option notexercised. Listing: On the National Stockexchange of India Ltd (NSE) , All inDematerialised form.

5. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series II in the nature of PromissoryNote.INE160A09173

Issue Size: Rs.500 crores, Date OfAllotment: Dec. 12, 2007 Date ofRedemption: Dec. 12, 2022 Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment

(with the prior permission of RBI)Rate of Interest and Frequency: @ 9.35% p.a.annual for the first ten years and 9.85% p.a.annual for last 5 years if call option notexercised. Listing: On the National Stockexchange of India Ltd (NSE) , All in


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Dematerialised form.

6. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series III in the nature of PromissoryNote.INE160A09207

Issue Size:Rs.1000 crores (with option to retainoversubscription of Rs.500 cr), Date OfAllotment: Mar 05 2008 Date of Redemption:Mar 05 2023, Par Value: Rs.1 million, Putand call Option: At par at the end of 10th yearfrom deemed date of allotment (with the prior

permission of RBI) Rate of Interest andFrequency: @ 9.35% p.a. annual for first tenyears and @9.85% p.a. annual for last 5 yearsif call option is not exercised. Listing: On theNational Stock exchange of India Ltd (NSE) ,All in Dematerialised form.

7. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series IV in the nature of PromissoryNote.INE160A09215

Issue Size: Rs.600 crores Date OfAllotment: Mar 27 2008, Date ofRedemption: Mar 27 2023, Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @9.45% p.a.annual for first 10 years and 9.95% p.a. annual

for last 5 years if call option not exercised.Listing: On the National Stock exchange ofIndia Ltd (NSE) , All in Dematerialised form.

8. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series V in the nature of PromissoryNote.INE160A09223

Issue Size: Rs.500 crores, Date Of Allotment:Sep. 29 2008 Date of Redemption: Sep. 292023, Par Value: Rs.1 million, Put and callOption: At par at the end of 10th year fromdeemed date of allotment (with the priorpermission of RBI). Rate of Interest andFrequency: @ 10.85% p.a. annual for first 10years and 11.35% p.a. annual for last 5 years ifcall option not exercised. Listing: On theNational Stock exchange of India Ltd (NSE) ,All in Dematerialised form.

9. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series VI in the nature of PromissoryNote.INE160A09231

Issue Size: Rs.500 crores, Date OfAllotment: Dec 18 2008, Date of Redemption:Dec. 18 2023 Par Value: Rs.1 million, Putand call Option: At par at the end of 10th yearfrom deemed date of allotment (with the priorpermission of RBI) Rate ofInterest and Frequency: @ 8.95% p.a. annualfor first ten years and 9.45% p.a. annual for last5 years if call option not exercised. Listing:On the National Stock exchange of India Ltd(NSE) , All in Dematerialised form.

10. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts Capital

Instruments) Series VII in the nature of PromissoryNote.INE160A09256

Issue Size: Rs.500 crores with an option toretain oversubscription. Date Of Allotment:

Feb.18 2009, Date of Redemption: Feb. 182023, Par Value: Rs.1 million, Put and callOption : At par at the end of 10th year fromdeemed date of allotment (with the priorpermission of RBI) Rate ofInterest and Frequency: @ 9.15% p.a. annual


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for first ten years and 9.65% p.a. for last 5years if call option not exercised. Listing: Onthe National Stock exchange of India Ltd (NSE), All in Dematerialised form.

11. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series VIII in the nature of Promissory

Note.INE160A09264

Issue Size: Rs.500 crores, Date OfAllotment: April 21, 2009 Date of Redemption:April 21 2024, Par Value: Rs.1 million, Put

and call Option: At par at the end of 10th yearfrom deemed date of allotment (with the priorpermission of RBI) Rate ofInterest and Frequency: @8.80% p.a. annualfor first ten years and 9.30% p.a. for last 5years if call option not exercised. Listing: Onthe National Stock exchange of India Ltd (NSE), All in Dematerialised form.

12. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series IX in the nature of PromissoryNote.INE160A09272

Issue Size: Rs.500 crores, Date OfAllotment: June 04 2009, Date ofRedemption: June 04 2024 Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment

(with the prior permission of RBI)Rate of Interest and Frequency: @8.37% p.a.annual for first ten years and 8.87% p.a. for last5 years if call option not exercised. Listing:On the National Stock exchange of India Ltd(NSE) , All in Dematerialised form.

13. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series X in the nature of PromissoryNote.INE160A09298

Issue Size: Rs.500 crores, Date OfAllotment: Sep. 09 2009, Date ofRedemption: Sep. 09 2024 Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @ 8.60% p.a.annual for first ten years and 9.10% p.a. for last5 years if call option not exercised. Listing:On the National Stock exchange of India Ltd(NSE) , All in Dematerialised form.

14. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series XI in the nature of PromissoryNote.INE160A09306

Issue Size: Rs.500 crores Date OfAllotment: Nov. 27 2009, Date ofRedemption: Nov.27 2024, Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @8.50% p.a.annual for first ten years and 9% p.a.for last 5years if call option not exercised. Listing: Onthe National Stock exchange of India Ltd (NSE), All in Dematerialised form.

15. Unsecured Redeemable Non convertibleSubordinated upper Tier II Bonds (Debts CapitalInstruments) Series XII in the nature of PromissoryNote.INE160A09322

Issue Size: Rs.500 crores, Date OfAllotment: May 24 2010 , Date ofRedemption: May 24 2025, Par Value: Rs.1million, Put and call Option: At par at the endof 10th year from deemed date of allotment(with the prior permission of RBI)


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Rate of Interest and Frequency: @8.50% p.a.annual for first ten years and 9% p.a. for last 5years if call option not exercised. Listing: Onthe National Stock exchange of India Ltd (NSE), All in Dematerialised form.

16. Unsecured Redeemable Non convertibleSubordinated Tier I Perpeutual Bonds Series I in the

nature of Promissory Note.INE160A09165

Issue Size: Rs.250 crore with unspecifiedgreen shoe. Date Of Allotment: Jul 20 2007

Date of Redemption: Perpetual Par Value:Rs.1 million, Put and call Option: At par at theend of 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @ 10.40% p.a.annual for first ten years and 10.90% p.a.annual for all subsequent years if call option isnot exercised at the end of 10

th year from the

deemed date of allotment. Listing: On theNational Stock exchange of India Ltd (NSE) ,All in Dematerialised form.

17. Unsecured Redeemable Non convertibleSubordinated Tier I Perpeutual Bonds Series II in thenature of Promissory Note.INE160A09181

Issue Size: Rs.300 crores, Date OfAllotment: Dec. 11 2007 Date ofRedemption: Perpetual, Par Value: Rs.1million, Put and call Option: At par at the end

of 10th year from deemed date of allotment(with the prior permission of RBI)Rate of Interest and Frequency: @9.75% p.a.annual for first ten years and 10.25% p.a. if calloption not exercised. Listing: On the NationalStock exchange of India Ltd (NSE) , All inDematerialised form.

18. Unsecured Redeemable Non convertibleSubordinated Tier I Perpeutual Bonds Series III in thenature of Promissory Note.INE160A09199

Issue Size: Rs.250 crores with green shoeoption of Rs.50 crores. Date Of Allotment:Jan 18 2008, Date of Redemption: Perpetual,Par Value: Rs.1 million, Put and call Option: Atpar at the end of 10th year from deemed dateof allotment (with the prior permission of RBI)Rate of Interest and Frequency: @9.45% p.a.annual for first ten years and 9.95% p.a. if calloption not exercised. Listing: On the NationalStock exchange of India Ltd (NSE) , All inDematerialised form.

19. Unsecured Redeemable Non convertibleSubordinated Tier I Perpeutual Bonds Series IV in thenature of Promissory Note.INE160A09249

Issue Size: Rs.150 crores plus green shoeoption of Rs.150 crores. Date Of Allotment:Jan 19 2009, Date of Redemption: Perpetual,Par Value: Rs.1 million, Put and call Option: Atpar at the end of 10th year from deemed dateof allotment (with the prior permission of RBI)Rate of Interest and Frequency: @ 8.90% p.a.annual for first ten years and 9.40% p.a. if calloption not exercised. Listing: On the NationalStock exchange of India Ltd (NSE) , All inDematerialised form.

20. Unsecured Redeemable Non convertibleSubordinated Tier I Perpeutual Bonds Series V in thenature of Promissory Note.INE160A09280

Issue Size: Rs.500 crores, Date OfAllotment: Aug 28 2009, Date of Redemption:Perpetual, Par Value: Rs.1 million, Put andcall Option: At par at the end of 10th year fromdeemed date of allotment (with the prior


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permission of RBI) Rate ofInterest and Frequency: @ 9.15% p.a. annualfor first ten years and 9.65% p.a. if call optionnot exercised. Listing: On the National Stockexchange of India Ltd (NSE) , All inDematerialised form.

21. Unsecured Redeemable Non convertible

Subordinated Tier I Perpeutual Bonds Series VI in thenature of Promissory Note.INE160A09314

Issue Size: Rs.200 crore, Date Of Allotment:

Nov.27 2009, Date of Redemption:Perpetual, Par Value: Rs.1 million, Put andcall Option: At par at the end of 10th year fromdeemed date of allotment (with the priorpermission of RBI) Rate ofInterest and Frequency: @9% p.a. annual forfirst ten years and 9.50% p.a. if call option notexercised. Listing: On the National Stockexchange of India Ltd (NSE), All inDematerialised form.

22. 9.65% Unsecured Redeemable Non ConvertibleBasel-III compliant Tier 2 Bonds Series XIV in thenature of Debenture.INE160A08019

Issue size: Rs.1000 crore, Date of Allotment:February 24, 2014, Date of Maturity24/02/2024, Face Value: Rs.1 million, Rate ofInterest and Frequency: @9.65% p.a. Annual.Listing: On the National Stock Exchange Ltd

(BSE). All in Dematerialised form.23 9.68% Unsecured Redeemable Non Convertible

Basel-III compliant Tier 2 Bonds Series XV in thenature of Debenture.INE160A08027

Issue size: Rs.500 crore, Date of Allotment:March 28, 2014, Date of Maturity 28/03/2024,Face Value: Rs.1 million, Rate of Interest andFrequency: @9.68% p.a. Annual. Listing: Onthe Bombay Stock Exchange Ltd (BSE). All inDematerialised form.

Sr.No INSTRUMENT (PNB Housing Finance Ltd.) FULL TERMS AND CONDITIONS

1. Unsecured Tier II BondsINE572E09197

Issue Size : Rs.200 crore, Original date ofissuance : 21.12.2012, Maturity dated :21.12.2022, Coupon Rate : 9.10, Rate : Fixed,Security : Unsecured

2. Unsecured Tier II Bonds

INE572E09015

Issue Size : Rs.100 crore, Original date of

issuance : 22.07.2006, Maturity dated :22.03.2016, Coupon Rate : 9.25, Rate : Fixed,Security : Unsecured

Sr.No INSTRUMENT (PNB International UK) FULL TERMS AND CONDITIONS

1.

Equity Shares Ordinary Shares, non-cumulative, non-preferential

Upper Tier II Perpetual, call option after ten years,discretionaryROI : 6M Libor + 400 bps.

Lower Tier II 10 years dated, call option after five years, ROI: 6M Libor + 400 bps.

PUNJAB NATIONAL BANK Pillar 3 Disclosures under Basel III Framework

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Transcript of PUNJAB NATIONAL BANK Pillar 3 Disclosures under Basel III Framework