An aggressive competitor trying to leverage its balance sheet assets, PNB also works with the retail consumer at top of mind recall, running to raise deposit rates ahead of the herd and change its public colors to something more acceptable as a competitive player without investing in expensive ( maybe pro bon) marketing / rebranding efforts. nevertheless, with a downtick on the banks, it will pay dearly in terms of eroding sentiment (The ship to run away from ahead of today's results) 

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