Punjab National bank is north based bank, with dense presence in north and sprinkle presence in other parts. People who have misconception regarding service capabilities of PSBs would be compelled to change their point of views, once they visit any of PNB outlet. First with IT initiative of the stature of CBS with 5666 strong network of service outlets, PNB has successfully transcended form paper culture to IT enabled HRD, Inspection Audit, MIS, Circulars, Knowledge Site. Bank to watch.