Introducing
PNB Housing Finance
Limited (PNB Housing)
PNB Housing is a registered housing finance company with the National Housing Bank (NHB). The Company was incorporated under the Companies Act, 1956 and commenced operations from November 11, 1988. Punjab National Bank (PNB) is our promoter. PNB Housing equity shares were first issued to the public in November 2016. The Company is listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE).
FY 2018-19
AT A GLANCE
Performance Highlights
Product mix1៱
AUM: Segment-wise share៱
AUM: Product-wise share៱
^Figures are as on March 31, 2019
*Figures are for FY 2018-19
Financial Highlights
CONSISTENT PROGRESS
*FY 18 and FY 19 financial numbers are on Ind AS basis whereas prior numbers are based on IGAAP.
^ indicates dates as on March 31
Chairman’s Statement
Chairman
Chairman’s Statement
CHANGING TIMES
Dear Stakeholders
I am delighted to present to you the 31st Annual Report and the consolidated financial statements of PNB Housing Finance Limited for the year ended March 31, 2019. The fiscal 2018-19 was another eventful year for your Company. During the period, it pursued various growth opportunities, despite a challenging operational landscape.
Chairman
Managing Director’s Message
Managing Director
Managing Director’s Message
LAST, TOUGH PEOPLE DO.’
Dear Stakeholders
Building an enduring institution is more
than just strategy and vision. It is also
about resilience and courage to face
adversity, the ability to stay afloat in
periods of challenges with positive
thinking and opportunity mapping.
Sometimes when the going gets
tough, one may be weak enough to
abandon values and high standards of
performance but that is not true at PNB
Housing.
Leadership Team
MR. SANJAYA GUPTA
Managing Director
Under Mr. Gupta’s leadership, PNB Housing scaled new heights and witnessed a sea change in the operational robustness and go to market strategy.
MR. SHAJI VARGHESE
Executive Director and Business Head
With more than 22 years of experience in loan assets, liabilities and wealth management, Mr. Varghese has been an integral contributor in setting up large successful businesses across geographies and managing high performance teams.
MR. AJAY GUPTA
Executive Director and Chief Risk Officer
A chartered accountant and an accomplished risk management professional, Mr. Gupta has over 27 years of rich experience in credit cycle management across a diverse product group.
MR. NITANT DESAI
Chief Centralised Operation and
Technology Officer
Mr. Desai is an astute professional with more than 33 years of varied and relevant experience in retail finance with leading banks and financial institutions in India and the Middle East.
GOVERNANCE TO GREAT
SUSTAINABILITY
Environmental, social and governance (ESG) considerations are integrated across the business and built into the policies and principles that govern PNB Housing. This is viewed as a business fundamental and seek continuous improvement in these areas because they underpin the long-term value-creation ability of the Company.
- Role in society
- Information technology
- Employee development
- Environment responsibility
- Employee engagement
0
Employees on PNB Housing
Finance payroll
0
Employees on PHFL payroll
0.34%
Ratio of women in workforce
0.88%
New hires in the year aged 20-30