• FCNR deposit mobilization: PNB aims to raise approximately $2.5 billion (~₹25,000 crore) over the next three months, offering rates of 6% to 6.10% across 3- to 5-year tenures to benefit from waived CRR/SLR, lower deposit costs, and reduced asset-liability mismatch.
• MSME credit guarantee: Under the government's Credit Guarantee Scheme 5.0, the bank has identified around 6 lakh eligible accounts with an estimated lending potential of ₹50,000 crore, having already received about 38,000 applications worth ₹15,000 crore.
• Growth and asset targets: Management guides for credit growth of 12–13%, deposit growth of 9–10%, CASA ratio of 38%, and RoA above 1%. Asset quality targets include gross NPAs below 2.5%, net NPAs below 0.3%, and provision coverage ratio (PCR) maintained above 97%.
• ECL transition preparedness: Supported by a CET1 ratio above 13% and over ₹2,000 crore in floating provisions from the prior year, PNB is provisioning an additional ₹200–250 crore per quarter to ensure a seamless migration to ECL norms by April 1, 2027.