Punjab National Bank's newly appointed Managing Director and Chief Executive Officer, Ashok Chandra, is set to revamp the bank's customer service, retail, agriculture, and MSME lending operations. With a vision to streamline operations and enhance customer experience, Chandra is implementing a QR code-based feedback system for frontline staff to improve service delivery. His strategy also includes boosting deposit mobilization by forging partnerships with leading corporations and adopting a cautious approach towards corporate lending. This move is aimed at strengthening the bank's financial position and expanding its market presence in India.