The Managing Director and Chief Executive Officer of Punjab National Bank spoke about issues related to Human Resources (HR): "In our bank, several reforms have been made in the field of human resource management. Through Project 'Udaan', we have adopted a new HR ecosystem, the aim of which is to bring transparency in all aspects of HR management, including transfers and performance appraisal." He also mentioned that the entire career journey of every officer or employee joining the bank is being mapped. Leadership development programs have been launched, and certified coaches from the International Coaching Federation are also providing coaching to the bank’s senior officers. Speaking further about the future, he said that in the financial year 2025–26, the bank will focus on multiple fronts — customer-centric banking, improvement in the ambience of branches and ATMs, strengthening presence in 100 districts, and achieving 66% of the country's CASA. Additionally, improvements in products and processes, increasing market share in RAM, boosting non-interest income, optimizing costs, strengthening the technical infrastructure, setting up a data analytics center, enhancing cybersecurity, and preparing the organization for ESG and climate risk are among the key areas of focus. He also emphasized that compliance and good conduct will form the foundation of the bank’s growth. Issues like transparency in HR have already been addressed. Maximizing loan recovery and preventing fresh NPAs (Non-Performing Assets) are also part of the bank’s priorities. In this way, the bank is now entering a new phase. Whether these policies will deliver real results — only time will tell.