A drive to renovate business processes and support management renewal is behind a fall in the profit for WA-based P&N Bank over the year to June 2014.Staff costs climbed 16 per cent to A$30.6 million over the year, with the rise of $4 million roughly aligning with the fall in profit to $9 million for P&N.Andrew Hadley, P&N's chief executive, said yesterday the mutual bank had reported several years of negligible revenue growth and it was time to focus internally on business practices."P&N as a brand needs to become better at selling its value proposition to the broader market place," he said.  P&N will also back away from a history of dabbling in property development, a business line also producing less profit in 2014.Asset growth was less than half system at 2.3 per cent.