Punjab National Bank was established in 1894 and currently has over 12,000 branches and 13,000 ATMs. It is headquartered in Delhi and has over 103,000 employees. The bank plans to rationalize 1000 branches to reduce operational costs. Some of Punjab National Bank's strengths include its diversified operations, strong IT support, reliable business schemes, and large customer and employee base. Weaknesses include inadequate advertising, poor past reputation, and low presence in rural areas. Opportunities for growth include expanding small business loans, international expansion, increasing ATMs, improving customer service, and promoting through social media. Threats to the bank are fluctuations in the economy, stringent government regulations, and increased competition.

1. Analysis of:- Punjab National Bank

2. Description-
• Established in the year 1894 . Its Founder included several leaders
of the Swadeshi Movement.
• Number of Employees are 1,03,144 by 2022.
• Headquarter is situated in Delhi.
• The Bank has over 12,248 branches and 13,000+ ATM .
• They are expecting to rationalise 1000 branches by ERA which will
give huge amount of reduction in the operational expenditure.

3. Some Pictures of :- Punjab National Bank
BHEL Haridwar Branch

4. SWOT
S:- STRENGTHS of PNB
W:- WEAKNESS of PNB
O:- OPPORTUNITIES of PNB
T:- THREATS of PNB

5. Strength of Punjab National Bank
• Diversified Operations: Punjab National Bank has heterogeneous functional
operations with 5100 branches. Due to their diversified operations, the bank
is widely recognized and is approved with varied branches.
• Strong High-End IT Support: Due to its strong and well-established IT
support, it gives the best services to its customers, making them the best-fit
approach. The end-to-end IT support makes the bank more substantial with
its services.
• Best Reliable Schemes: Punjab National Bank mainly focuses on providing
the best reliable schemes for both small and medium scale businesses.
Hence, these schemes promote the bank more efficaciously and make it
prominently defined.

6. • Second-Largest Commercial Bank: It is the second-largest
commercial bank in India with state-owned and about 5000 branches
across 764 cities. Therefore, the popularity and recognition of Punjab
National Bank are higher than any other commercial bank.
• Wide Range of Customers and Employees: It has more than 56,000
workforces and serves over 37 million customers and therefore, it is
known to have a wide range of employees and customers

7. Weaknesses of Punjab National Bank
The internal factors of every company affect it drastically if it’s negatively. Thus, weaknesses play
a neutral role where it pulls down a company’s reputation but in the same way, it also helps to
accommodate changes to make and what practices should be withdrawn soon by the company.
So, below listed are the Weaknesses of Punjab National Bank
• Inadequate Advertising: Any brand requires an efficient amount of advertising and branding to
lead in the market and meet its needs. The bank is so popular and diversified, but it fails to
initiate proper advertising and branding compared to other banks. Thus, this makes the bank
somewhere lag in terms of advertising.
• Poor Reputation: Legal issues regarding employees caused a bad name for the commercial
bank. Thus, the bank lost its huge reputation and significance due to legal issues. Poor
reputation should be converted to a healthy and rich reputation to enhance the bank and its
past legal issues.
• Less Presence in Rural Areas: Punjab National Bank is not ubiquitous and has less presence in
rural areas. Thus, because of their less presence in rural areas, it is not recognized in rural
regions.

8. Opportunities for Punjab National Bank
• Small Scale Business: Punjab National Bank (PNB) should start with its small scale
business across India to provide an end number of job opportunities to employees. This can
also help them gain more popularity, make them ubiquitous across India, and receive
increased profits.
• Expansion of the Company Across the Globe: The bank should expand its services
internationally and not keep them limited to only India. International banking can again be
another opportunity for the firm to gain profits and successive popularity across the globe.
• Installation of ATM’s: Installing more ATM’s can make the customers benefit through it and
will have better feedback for the firm. It can be easier for people to accommodate and
withdraw their money whenever and wherever required.
• Providing with Reliable and Better Customer Service: If the firm stays loyal and provides
excellent customer service, it will attract more customers and receive superior feedbacks.

9. • Launching New Unique Schemes: Punjab National Bank can further launch new
schemes for Saving Account Holders to expand its cash deposit ratio.
• Promotion Through Social Media Platforms: In the digital and social media trend,
Punjab National Bank can promote its services through social media platforms and
advertising platforms such as Google Ads and Facebook Ads because most customers
prefer watching social media ads these days.
• Emphasizing Business Loans: The bank can accent business loans to appeal to more
customers. As business loans can attract business-oriented customers for profit
maximization of its business company.
• Originating E-Wallets: As it is the digital era, PNB can originate E-Wallets as it is
trending throughout the world. Ahead in the future, e-wallets can make lives much
easier and people are looking for such innovations to receive easy digital trends.

10. Threats to Punjab National Bank
Threats can drastically bring down your company. It can be from the intrusion of other companies to
other shortages and lags in the service. Below are the threats faced by Punjab National Bank –
• Fluctuations in the Economy: A major threat for the banking industry are fluctuations and crises
in the economy and thus, the bank has to be cautious for the same. The shifts in the economy may
make the bank suffer from unwanted delays and a decrease in demand.
• Stringent Regulations of the Government: The stringent regulations of RBI and the
Government are also a major threat to the bank as they are interruptive and can make certain
changes. Strict regulations can always bring the interruption in and led to disruptive unwanted
changes in the formation.
• Competitor Threat: As the banking sector expands, new competitors will enter the market and
they might get successful profits in the future. Not only this, the bank may have their old
competitors shortly in the topmost lists and therefore, this can make the bank lose its ranking and
might have a downfall. Hence, the bank should be prepared with both the consequences of profit
and loss shortly to generate strategic pre-planning.

11. A Presentation by B2 team__________
Thank
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