Punjab National Bank (abbreviated as PNB) is a central public sector undertaking under the ownership of Ministry of Finance, Government of India. It is headquartered in Delhi, India, it is under the ownership of the Ministry of Finance, government of India. The bank was founded in May 1894 and is the second largest government-owned bank in India, both in terms of its business volumes and its network. The bank has over 180 million customers, 12,248 branches, and 13,000+ ATMs.PNB has a banking subsidiary in the UK (PNB International Bank, with seven branches in the UK), as well as branches in Hong Kong, Kowloon, Dubai, and Kabul. It has representative offices in Almaty (Kazakhstan), Dubai (United Arab Emirates), Shanghai (China), Oslo (Norway), and Sydney (Australia). In Bhutan, it owns 51% of Druk PNB Bank, which has five branches. In Nepal, PNB owns 20% of Everest Bank, which has 50 branches. PNB also owns 41.64% of JSC (SB) PNB Bank in Kazakhstan, which has four branches.

Bihar (; Hindi pronunciation: [bɪˈɦaːr] (listen)) is a state in eastern India. It is the third-largest state by population and twelfth-largest by territory, with an area of 94,163 km2 (36,357 sq mi). Bihar borders Uttar Pradesh to its west, Nepal to the north, the northern part of West Bengal to the east, and with Jharkhand to the south. The Bihar plain is split by the river Ganges, which flows from west to east. Bihar is also the world's fourth-most populous subnational entity.On 15 November 2000, southern Bihar was ceded to form the new state of Jharkhand. Only 11.3% of the population of Bihar lives in urban areas, which is the lowest in India after Himachal Pradesh. Additionally, almost 58% of Biharis are below the age of 25, giving Bihar the highest proportion of young people of any Indian state. The official languages are Hindi and Urdu, although other languages are common, including Maithili, Magahi, Bhojpuri and other Languages of Bihar. In Ancient and Classical India, the area that is now Bihar was considered the centre of political and cultural power and as a haven of learning From Magadha arose India's first empire, the Maurya empire, as well as one of the world's most widely adhered-to religions: Buddhism. Magadha empires, notably under the Maurya and Gupta dynasties, unified large parts of South Asia under a central rule. Another region of Bihar is Mithila which was an early centre of learning and the centre of the Videha kingdom.However, since the late 1970s, Bihar has lagged far behind other Indian states in terms of social and economic development. It's gained a highly negative reputation among the denizens of India to a degree where being called 'Bihari' is an insult. Many economists and social scientists claim that this is a direct result of the policies of the central government, such as the freight equalisation policy, its apathy towards Bihar, lack of Bihari sub-nationalism, and the Permanent Settlement of 1793 by the British East India Company. The state government has, however, made significant strides in developing the state. Improved governance has led to an economic revival in the state through increased investment in infrastructure, better healthcare facilities, greater emphasis on education, and a reduction in crime and corruption.