Banking

1. Strategic Analysis of Punjab National Bank
By
Bimlesh Kumar(14HM06) NITK,Surathkal

2.  Punjab National Bank was registered on 19 May
1894 under the Indian Companies Act with its
office in Anarkali Bazaar Lahore.
 The banked opened for business on 12
April,1895.
 PNB’s founder included several leaders of the
Swadeshi Movement such as Dayal Singh,
Majithia and Lala Har Kishen Lal, Lala Lalchand,
Shri Kali Prosanna Roy, Shri E.C. Jessawala, Sri
Prabhu Dayal, Bakshi Jaishi Ram and Lala Dholan
Dass. Lala Lajpat Rai was actively associated
with the management of the Bank in its early
years.

3.  Personal Banking
 Saving Fund Account
 Current Account
 Fixed Deposit Account
 Credit Schemes
 Social Banking
Business Responsibility Report
Financial Inclusion
Priority Sector
 MSME Banking
Scheme for financing micro and small enterprises
Traders Finance
Super Trade

4.  Agricultural Banking
Agri Business Cell
Agricultural Banking
Farmers
 Corporate Banking
Cash Management Services
Gold Card Scheme for Exporters
 International Banking
NRI Services
Offshore Banking Unit
 Online Banking
Internet Banking
Bill Payments
Share trading
Mobile Banking

5.  "To be a Leading Global Bank with Pan India
footprints and become a household brand in
the Indo-Gangetic Plains providing entire
range of financial products and services
under one roof"

6.  "Banking for the unbanked“
Core Values:-
1. Doing the right thing- Each of us has the freedom , authority
and responsibility to do the right thing for our clients , customers ,
communities and each other.
2. Trusting and Team work- We rely on each other and
succeed together. We take collective responsibility for the quality
of client and customer experiences.
3. Inclusive meritrocracy- we care about each other , focus on
result and strive to help all associates develop their potential.
4. Winning- We have a passion for achieving , results and winning
for our clients and customers , for our teammates and
communities and for our shareholders.

12. Strengths:-
 Improved profitability
 Expanding market share in sector
 Wide market presence
Weaknesses:-
 Increased debt
 Higher employee cost
 Deteriorating assets quality

13. Opportunities
 Meeting diversified product need
 Geographic expansion
 Positive Indian Bank sector outlook
Threats
 Business consolidation intensifying competition
 Need for skilled workforce
 Global economic imbalances

14.  Economic:-
The public/ nationalised banks of the country were not much hampered by
the same. Inspite of the good mean ratings that all the banks have got on this
front, ANOVA has indicated a significant difference among the selected banks.
Post-Hoc analysis meanwhile has not indicated significant difference in
between ICICI Bank and PNB at 1 per cent level of significance.
 Social:-
Being a socially responsible organization, we contribute to society through
the PNB Farmers Welfare Trust, PNB Centenary Rural Development Trust, PNB
Prerna, Farmers’ Training Centres, Financial Literacy & Credit Counselling
Centres, Rural Self Employment & Training Institutes and other such
initiatives. We help the under-privilege communities overcome
unemployment and poverty and shape their own future through awareness
creation and up skilling them.

15.  Technology and Environmental
We have implemented some quick win “Green practices” to conserve
resources be it electricity, water, paper, etc. We have introduced “Green
audit” of all our functional units to sensitise the staff towards sustainable
practices. We are making efforts for rainwater harvesting in existing
buildings and new constructions are environment friendly. We are promoting
wind energy and popularizing solar energy usage in rural areas.
 Legal:-
Banks are paying moderate to high attention on scanning of legal environment
as mean scores obtained by these have varied between 3.78 (PNB) to 4.03 (SBI).
ANOVA and Post-Hoc tests have not indicated significant difference among and
in between them. Managers of all the selected banks claimed that banking rules
and regulations keep on changing and they need to keep an eye on such
changes. Still, the same do not bother them as much as few other external
environmental happenings. The same is reflected in neither an extremely high
nor extremely low mean scores that the banks have got.

16.  PNB has established itself firmly as one of the premier banking institutions in the
country with a long tradition of sound and prudent banking.
 The first ever and the only merger of a nationalized bank with PNB was in 1993,
viz., New Bank of India.
 In 2002, 20% of government ownership was disinvested through a very successful
IPO to the public. In 2003, the erstwhile Nedungadi Bank Ltd (e-NBL), a Kerala
based private bank was amalgamated with Punjab National Bank.
 During 2008-09, the Bank achieved the landmark of becoming the largest
Nationalized Bank to bring ALL BRANCHES/EXTENSION COUNTERS into Core
Banking Solution (CBS). The strong franchise enjoyed by the Bank, combined with
its technological capabilities provides the Bank competitive advantages.