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"Ultimately, profit is now going to be the main focus of the bank," it said.
Bank's capital adequacy ratio stands above 9 per cent against the requirement of 8 per cent, it added.
Besides, in under its 'New Year Bonanza' scheme, it has fully waived documentation and processing fee requirement for housing, car and two wheeler loans.
The offer is available till end of the current fiscal.
Stock of PNB closed 5.97 per cent higher at Rs 176.75 on BSE on Thursday.