A Presentation on Punjab National Bank

8/3/2019 A Presentation on Punjab National Bank

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INTERNSHIP PROJECT REPORT

AN ORGANISATION STUDY

AT

PUNJAB NATIONAL BANK

SUBMITTED TO BANGALORE UNIVERSITY IN PARTIAL FULFILLMENT OF THE

REQUIREMENT FOR THE DEGREE OF

MASTER OF BUSINESS ADMINISTRATION

SUBMITTED BY

RAHUL KUMAR

REG. NO. 101GCMA100

INTERNAL GUIDE EXTERNAL GUIDE

Name- Mr A. Chandran Name- D.Kullu(Faculty) MANAGER

R. V. INSTITUTE OF MANAGEMENT

CA 17, 36th Cross, 26th Main, 4th T Block, Jayanagar,

Bangalore-560041.



Industry Profile

Banking in India started in 18th century.

First Bank- The General bank of India and Bank of Hindustan.

Oldest Bank in existence- State bank of India.

Present status of Industry- Banking industrycontributes around 7.7% to the GDP of India.



Major players in India & Global level.



Company Profile

Punjab National Bank started on 12th April,1895.

First Chairman- Sardar Dayal Singh.

Lala Lajpat Rai was the first person to openaccount at Lahore branch.

First branch outside Lahore was opened inRawalpindi in 1900.



1904: PNB established branches in Karachi andPeshawar.

1940: PNB absorbed Bhagwan Dass Bank, a scheduled bank located in Delhi circle.

1947: Partition of India and Pakistan at Independence.PNB lost its premises in Lahore, but continued tooperate in Pakistan.

1951: PNB acquired the 39 branches of Bharat Bank (est. 1942); Bharat Bank became Bharat Nidhi Ltd.

1961: PNB acquired Universal Bank of India.



2007: PNB established PNBIL - Punjab NationalBank (International) - in the UK, with two offices,one in London, and one in South Hall.

2008: PNB opened a branch in Hong Kong.

2009:PNB opened a representative office inOslo, Norway, and a second branch in Hong

Kong, this in Kowloon.

2010:

PNB received permission to upgrade itsrepresentative office in the Dubai InternationalFinancial Centre to a branch



Achievements and Awards

PNB Awarded Best Technology Bank 2010.

PNB Awarded Golden Peacock Award For

Training in 2009 Asia Best Employer Brand Award" for

Excellence in Training in 2009.

Best Employer Brand Award in 2009.



Vision andMission

Vision

³To be a Leading Global Bank with Pan India footprints

and become a household brand in the Indo-GangeticPlains providing entire range of financial products andservices under one roof"

Mission

"Banking for the unbanked"



Organization Structure

Corporate office

(New Delhi)

Circle Office

(68)

Branch(5017)

Deposit

Section

Loan

Section

Clearing

Section

Account

Section

DD

Section



Functional Departmento Receiving Teller's Department (Teller)

o Paying Teller's Department (Teller)

o Collection Department (Teller)

o Loan or Discount Department (Executive)

oC

learing section

o DD section



SWOT Analysis

Strengths

Well known brand and long history.

Knowledge of Indian market.

Nationwide networking of

Branches

Multiple product and services

Huge public deposits and backup

from government

Weakness

o Low awareness of products offered

among the people.

o Comparing to some private banks,

PNB has less modernization of infra-

structure.

o Not able to position itself correctly



Opportunities

Growing Indian banking

sector.

Huge potential of rural

market.

Innovation of innovative

products which will yield

higher growth.

Threats

o Threats from various private

banks and foreign banks.

o Political instability and

interference in administrative

affairs.



Findings

PNB is offering a large variety of product which areinnovative and in line with latest technology andcustomer preference.

The PNB has a unique brand image in the eyes of

investors and depositors. This offers a platform toexpand its market share.

PNB offers student¶s account facility at zero balance

and some of the bank charges are not are not levied for the students.

The employees at PNB are customer friendly and verycooperative.



Suggestions Majority of the older employee lacks sufficient soft skill hence they should be trained in order to increase

efficiency of work.

There is need of better customer relationship management & awareness program to make the customer aware about all product and service.

There should be minimum documentation and speedy transactions

Modernization of infrastructure through benchmarking the global best practices in order to achievecustomer attention and loyalty.

Quick implementation of enterprise data warehouse.

Number of Branches should be increased covering a wider area in various states.

More number of training and educational programmers¶ should be included in Banks schedule.

Proper guidance and training should be given to the employees on the operations of core banking system.

To improve employees and customer relationship by sending messages through mobile phone when anyoffer is been provided by bank and also there birthday the message can be send through mobile phone.



Conclusion Being a huge government sector bank PNB has got

enormous resources to give wide range of services tothe customers .

ORGANIZATIONAL STUDY AT PNB is really anenhancing experience for me, In fact I can rightfullyclaim to have achieved my predetermined objective.

PNB has developed manifold by their longexperience due to facilities and services provided totheir customer



Documents

A Presentation on Punjab National Bank