Punjab National Bank

- As per the discussion on page 14, there is no mention of any current or immediate plans for fundraising through debt or equity. - The management highlighted their focus on improving the working of subsidiaries to increase dividend income rather than selling equity. - There is no plan to sell equity in subsidiaries; instead, the bank aims to increase the valuation of these subsidiaries. - The bank is leveraging subsidiaries as marketing agents for lead generation in housing and retail sectors. - No explicit statement was made about new debt fundraising plans in the transcript provided. - Overall, the focus appears to be on organic growth and utilization of subsidiaries rather than new fundraising via debt or equity at this time.

The transcript does not explicitly mention any specific current or future capex or capital investment plans by Punjab National Bank. However, there are some related strategic points discussed: - The bank is focusing on improving subsidiaries and associates to increase dividend income and utilize subsidiaries for marketing and lead generation (housing, retail segments). - No plan to sell equity in subsidiaries currently; emphasis is on increasing valuation and deriving benefits through cross-selling to PNB's customer base. - Digital expenditure increased significantly by 54.5% last year, indicating investments in technology (IT expenditure Rs. 1,750 crore in March 2023 vs Rs. 1,133 crore before). - There is mention of adopting new schemes like eOTS for recovery, implying technological focus. - The bank is actively managing its investment portfolio with 79% HTM and 20% AFS, focusing on treasury profits amid interest rate movements. No direct capex or strategic investment commitments are disclosed.

- Punjab National Bank (PNB) expects credit growth of 12% to 13% for FY 2023-24. - Deposit growth guidance is set at 10% to 11%. - CASA (Current Account Savings Account) share is targeted to increase to around 43% to 44%. - Net Interest Income (NII) growth is projected at 10%. - Net Interest Margin (NIM) is expected to be in the range of 2.9% to 3%, considering full repricing of deposits is yet to occur. - The bank anticipates gross NPA will be less than 7% and net NPA less than 2%. - Credit cost is expected to reduce to around 1.5% to 1.75%. - Recovery target for the whole year is around Rs. 22,000 crore. - Overall, management is optimistic about continued improvement in profitability and asset quality in FY 2023-24.

- Credit growth guidance for FY23-24 is 12% to 13%. - Deposit growth expected at 10% to 11%. - CASA share targeted around 43% to 44%. - Net interest income (NII) projected to grow by 10%. - Net Interest Margin (NIM) expected in the range of 2.90% to 3%. - Gross NPA anticipated to be less than 7%, net NPA below 2%. - Credit cost guidance is 1.50% to 1.75%, down from 2.03% last year. - Targeted recovery for the year is around Rs. 22,000 crore. - Net profit expected to exceed Rs. 4,000 crore for FY23-24 (about Rs. 1,000 crore per quarter). - Return on assets projected around 0.40% to 0.42%, with an aim to improve to 0.50%. - Operating profit and NII showed strong YoY growth, indicating positive momentum.

The document does not explicitly mention the current or expected order book or pending orders for Punjab National Bank (PNB). However, related insights on the credit pipeline are shared: - Credit growth guidance for FY24 is 12% to 13%. - Around Rs. 1 lakh crore loan has already been sanctioned and is in the pipeline for disbursement at various stages. - The bank is aiming for robust credit growth supported by pipeline sanctions. No specific figures or details related to orders or order book are provided in the call transcript.