Punjab National Bank (PNB or the Bank) is a public sector bank. The Bank provides various banking services, such as digital banking, personal banking, social banking, micro, small and medium enterprises (MSME) banking, agricultural banking, corporate banking, international banking or non-resident Indian (NRI), and financial services. The Bank operates through four segments: Treasury, Corporate/Wholesale banking, Retail banking and Other banking operations. The Banks digital banking services include PNB Retail Internet Banking, PNB Corporate Internet Banking, PNB Mobile Banking and PNB SMS Banking. Its personal banking services include savings fund account, fixed deposit schemes and cards. Its social banking services include financial inclusion and priority sector. Its corporate banking services include loan against future lease rentals and cash management services. Its financial services include insurance business, merchant banking, mutual funds and wealth management services.