project on PNB [punjab national bank]

1. LNCT
[Lakshmi Narayan college of
Technology, Bhopal]

2. TITLE
STRUCTURE AND
FUNCTION
OF PNB

3. DECLARATION
I hereby declare that the project work
entitled structure and functioning of PNB,
submitted to the LNCT [Lakshmi Narayana
college of technology] Bhopal is a record
of an original work done by me under the
guidance of Mr. Santosh Solanki Sir
[accounts].
Priyanshi Kumari
B. COM(Hons) VIth
Sem
LNCABHONS011

4. ACKNOWLEDGMENT
I would like to express my teacher Mr.
Santosh Solanki, who gave me the
golden opportunity to do this
wonderful project of structure and
function of PNB, who also helped me
in completing my project. I came to
know about so many new things I am
really thankful to them.
At Last but not the least I want to
thanks my teammates and finally to
God and my family who made all the
things possible.
PRIYANSHI KUMARI
B. Com (Hons)6th
Sem
LNCABHONS011

5. PREFACE
This project report attempts to bring under
one cover the entire hard work on public
sectors bank industry.
I have expressed my experience in my own
simple way. I hope who goes through it will
find in interesting and worthing reading.
This report deals with bank activities related
to loans. It includes features, history, criteria
for loan sanction, board of directors of bank,
product and services of bank, demography of
customers, etc.
I gave my compete effort to make it valuable,
useful and enrich it with my views so that it
Give complete sense and benefit to readers.

6. INTRODUCTION
 PNB has distinction of being the first
Indian bank to have been started solely
with Indian capital that has survived to the
present.
 PNB has had the privilege of
maintaining accounts of national leaders
such as mahatma Gandhi, shri Jawahar Lal
Nehru, shri Lal bahadur shastri, Shrimati
Indira Gandhi, as well as the account of
the famous jalianwala-Bagh committee.
 PNB is a State- Owned financial
services company. The founder was Lal Laj
pat rai and Dyal singh Majithia.

7.  Registered on May 19, 1984.
 Second largest government – owned
commercial bank.
 The bank was incorporated under the
act VI of 1882, Indian companies act, the
bank commenced operations on April 12 ,
1895 from Lahore, with an authorized
total capital of RS 2 lakh and working
capital of 20,000.
 PNB is organized by government of
India.
 PNB is an Indian multinational banking
and financial services company.
 Total asset of PNB is RS 3,974.39 crore.

8.  Their head office is in New Delhi.
 The CEO of PNB is Sunil Mehta.
 PNB has more than 80 million
customers and 7000 branches and 10681
ATMs across 764 cities.
 PNBs branches are in Hong Kong,
Dubai and Kabul.
 Ranked as 248th
biggest bank in the
world by bankers almanac, London.
 Well equipped dealing rooms, 20
different foreign currency accounts are
maintained at major centers all over the
globe.

9. LITERATURE REVIEW
Literature survey is generally conducted to
review the present status of a particular
research topic. It helps the researcher to
know the quantum of work already done on
the particular topic and the area not yet
touched. Relevant literature is accessed
through research reports, articles, books,
journal, magazines and other relavant
materials. some studies related to the
evaluation of financial performance. The
study revealed that the private sesctor bank
play an important role in the development of
Indian economy. Therefore, the main purpose
of this study is to evaluate the financial
performance of Punjab national bank by
observing different variable, ratios and
measures, the impact of deposits and
advances on the profitability of PNB’s.

10. OBJECTIVES OF STUDY
 To examine the business performance
of PNB.
 To examine the profitability positions
of PNB.
 To measure the impact of deposits and
advances on the profitability of the bank.
 To offer findings and suggestions to
enhance the financial performance of
PNB.

11. RESEARCH METHODOLOGY
In the present study, an attempt has made to
know the structure and functions of PNB.
NATURE OF RESEARCH:
The present research is a case study in
nature based on the second largest public
sector bank of India i.e. Punjab national
bank.
POPULATION OF STUDY:

12. SOURCE OF DATA COLLECTION:
The data used for the present study has been
taken from published annual reports of
Punjab national bank. Other relevant data
sources are journals, newspapers, magazines,
and internet sources.
TOOLS USED FOR DATA COLLECTION:
Ratios, descriptive, statistics and regression
analysis and social network and official site of
PNB bank.

13. DATA ANALYSIS AND
INTERPRETATION
STRUCTURE OF PNB:
The chairman of the Punjab national
bank limited board is Mr CH. S.S.
Mallikarjuna Rao. He is the managing
director and chief executive officers of
Punjab national bank, a banker with
over 35 years of expertise. In 1985, he
began his banking career as a
probationary officer with the bank of
Maharastra.

14. name designation
Shri CH. S. S.
Mallikarjuna Rao
Managing director
and chief executive
officer
Shri Sanjay Kumar Executive director
Shri Vijay Dube Executive director
Shri Swarup Kumar
Saha
Executive director
Shri Pankaj Jain Govt. of India
nominee director
Shri Vivek Aggrawal Reserve bank of India
nominee director
Shri Asha Bhanderkar
Shri Gautam Guha Shareholder director
Shareholder director

15. FUNCTION OF PNB
 PNB, based in new Delhi, offers a
comprehensive range of financial and
banking services, including credit and
debit cards, savings and current accounts,
loans, and Investment. The bank has 6989
branches and 9255 ATMs across the
country [as of march 2019]
 Punjab national bank provides its
customers with a variety of saving
accounts, ranging from standard to
premium accounts and family protection
and pay account, to meet their financial
needs. PNB offer two types of current
accounts to meet the demands of its
customers. Individuals, firms, HUFs, and
companies can use a PNB current account
for frequent financial transactions.
 It Loan offering include home loans,
vehicle loans, two-wheeler loans,

16. education loans, gold loans, and personal
loans, to name a few. Fixed deposits,
recurring deposits, credit cards, and debit
cards are among the bank’s investment
and card services.
 Customers of Punjab national bank can
check their account balances using net
banking, mobile banking, SMS, ATMs, and
by calling the 24- hours Customer service
number. Customers can also verify their
latest ten transactions through net
banking, mobile banking, SMS, ATMs, and
the PNB customer service number.
Account- holders can also call the PNB
customers care number for immediate
assistance with their problem and
complaints, as well as answers to their
concerns.

17. FUNCTIONAL STRUCTURE OF
PNB CIRCLE OFFICE
marketing Inspection
departement
PRD
SECURITY
INFORMATIONAL
TECHNOLOGY
HUMAN
RESOURCE
DEPARTEMENT GENERAL
ADMINISTRATIVE
DEPARTEMENT
CREDIT
DEPARTEMENT

18. ORGANIZATIONAL STRUCTURE OF PNB
ZONAL AUDIT
OFFICE
ZONAL OFFICE
HEAD OFFICE
DIVISION
CIRCLE OFFICE
BRANCHES
SUPPORT
BUSINESS
CONTROL

19. RESULT AND DISCUSSION
I did the swot analysis of pnb
Swot analysis of pnb
STRENGTH:
 Strong I.T support with best fit approach.
 It is the second largest state-owned commercial bank in
India with about 5000 branches across 764 cities.
 Its 5600+ workforce serves over 37 million customers.
WEAKNESS:
 Less penetration in the urban areas.
 Inadequate advertising and branding as compared to
other banks.
 Legal issues regarding employees caused a bad name of
PNB.
OPPORTUNITIES:
 Small scale business banking across India.
 International banking.
 Installation of more ATMs.
Threats:
 Economic crisis and economic fluctuations highly
competitive environment.
 Stringent banking norms by the RBI and the govt.

20. LIMITATIONS OF THE STUDY
The study has been taken up over for limited
time and there are constrains in gathering
information over a month time.
The respondents are mostly busy with their
lives and sometimes they hardly have time
responding the questions.
Variables to compare the other existing banks
were not included which would have been a
very important aspects of the study.
Utilization of the loans as per the intension or
schemes were not properly taken into
consideration, though it would be very hectic
to gather Those Information at the prescribe
time.

21. SUGGESTION OF THE STUDY
 Punjab national bank should concentrate more on
Advertising and publicity of its products.
 Punjab national bank should create awareness the
customers about the various benefits of having account
in this bank.
 Good customers relationship should be maintained and
suggestion from customers may be taken from to time
so as to improve the product features and service.
 Punjab national bank should be open new branches at
prime location and not to forget remote areas which are
still untapped.
 Punjab national bank should be more aggressive in
promoting their products.
 Bank should be regular touch of the customers so that
they can develop a feeling that Punjab national bank is
taking care of all their banking needs.

22. CONCLUSION
The analysis of data collected and its
interpretation revealed the information Regarding
the satisfaction of the customers towards the
products and services and also their awareness
regarding the benefits fo having relationship with
Punjab national bank.
One of the corporate visions of Punjab national
bank is to serve their customers in the most
efficient manner and to gain maximum consumers
satisfaction. With cut-throat competition in the
industry, almost all banks try provide same
service. thus the company should focus on
providing the customers with added benefits to
gain maximum satisfaction.
The study undertaken helped to obtain suggestion
for improvement of product and services, it also
helped is finding out the satisfaction level of the
Accounts holders. The study also showed that
most of the people are approached by the staff of
Punjab national bank regarding opening of
account.

23. BIBLOGRAPHY
BOOKS:
financial management: C R Kothari
Fundamental of financial management: V B Gupta
marketing management: C B Gupta
MAGAZINES:
BUSINESS WORLD
INDIA TODAY
WEBSITES:
www.pnbindia,com
htttp://www.answes/pnb.com
www.rupeetalk.com
http://www.google.com