Financial Economics Advisory for Investment

1. R K Anand Phone: 9711817621,
Email : gndanand25@gmail.com
Page 1 of 4
R.K. Anand
December, 2014
Name: Ramesh Kumar Anand (R.K. Anand)
Division Head - Management Advisory Services Division (MASD),
Punjab National Bank (PNB), Corporate Office, New Delhi
Designation: Assistant General Manager & Chief Economic Advisor, Grade: Senior Management
Educational Qualification: B.Com; M.A. Economics
Professional Qualification: Certified Associate of IIB Mumbai, MBA (Banking & Finance) Project
work in progress (Banking & Business Cycles), Certified Master Class in Basel III from
Fleming Gulf Training Institute and Business Research & Analytics course from MICA-
Ahmedabad.
Training Details:
Name of Programme Institute / Organisation Period
1 MDP in Business Research and
Analytics
MICA, Ahmedabad July 2014
2 Master Class in Certification for Basel
III
Fleming Gulf Institute January 2013
3 Risk Based Supervision Reserve Bank of India March 2013
4 Basel III for field functionaries NIBM*, Pune June 2011
5 ALM & Management of Balance Sheet NIBM Pune June 2008
6 Workshop on Basel II US Fed Res., RBI, NIBM January 2008
7 Financial Analysis for Credit NIBM June 2004
*National Instituteof Bank Management, Anapex national training instituteforbankers in India.
Professional Experience:
A. Field Banking B. Corporate Office
A. Field Experience:
Functional Areas No. of years Remarks
Branch operations Ten years Small, Medium, Very large
Branch Head Over Six years Medium & Very Large SME
Branch

2. R K Anand Phone: 9711817621,
Email : gndanand25@gmail.com
Page 2 of 4
R.K. Anand
Credit:
 Agri credit
 Retail credit
 SME credit
 Large corporate
credit
Five years
Ten years
Six years
Five years
Fully equipped with hands on
experience in lending
Tech – savvy Over a decade in the
past
Functioning in fully
computerized
environment
Senior Faculty Five years Core areas: Strategic Business
Management, Risk Management,
Marketing, Virtual Banking by
leveraging technology, Change
Management
Others Three years State Level Banker Committee
Convenor Cell – Haryana at PNB
Northern Zonal Office,
Chandigarh
Distinctions as Branch Head:
 Independent Incumbent In-charge of Very Large SME Credit Branch. Resorted to
intensive low cost deposits mobilization i.e. CASA and remained among Top 3 in the
Circle. Growth, took charge from a Senior Manager and handed over to AGM, upgraded
the branch. Reserve Bank of India accredited the branch with distinction for SME finance.
Leader in Customer Service.
 Independent Incumbent In-charge of Medium sized Branch. Accredited with Highest
Business (Deposits+Loans) Growth Award. Highest Current & Saving Deposit growth on
consistent basis. Qualitative credit expansion. Awarded as Best Branch for consecutively
Two Years and appreciation certificate in third year. Cash Award by corporate office for
Best Customer Service. Turned around Chronic Loss Making Branch into Profit Making
by intensively resorting to higher growth in CASA, higher Commission, Exchange &
Brokerage and Qualitative Finance to clients. Made two Members of Parliament (MPs) as
HNI clients of the branch.

3. R K Anand Phone: 9711817621,
Email : gndanand25@gmail.com
Page 3 of 4
R.K. Anand
 Worked in other two branches out of which one was Model Branch of the Bank and other
credit branch in SME cluster for steel and metal products.
B. Corporate Office experience: First phase 1997to 2002 and currently 2011onwards:
Assistant General
Manager
Chief Economic
Advisor
 Head of Management Advisory Services Division:
o Presently, heading a team of mainline bankers and
economists dealing in Business, Profit & Capital Planning.
Formulation of Statement of Intent (SOI) for execution
with Govt of India.
o Business Policy & Strategy formulation, review and
alignment with Macro Economic indicators and policies of
government and regulator.
o Performance Budgeting, Analysis & Scenario building for
business.
o Member of core team for Organisational Transformation
& Business Excellence Programme PNB Pragati
o Preparation of background papers and bank’s response to
Reserve Bank of India and Govt of India matters
pertaining to business policy and performance
 Key assignments as Chief Economic Advisor:-
o Member, Monetary Policy Group, Indian Banks
Association (IBA), Mumbai
o Chief Economic Advisor, Member ALCO, PNB
o Member, Technical Analysis Group (TAG), Integrated
Risk Management Division
 Risk Rating:
Chief resource person for dealing with global Rating
Companies for global and domestic long term rating of
Bank and issuer of bonds and certificate of deposits.
 Capital Planning & Investment Banking:
o Member, Capital Planning Committee
o Investors’ meetings with FIIs, Investment Banks &
Analysts in USA & UK. Meetings with Domestic Investors
for raising shoring up Capital as per Basel III
requirements.

4. R K Anand Phone: 9711817621,
Email : gndanand25@gmail.com
Page 4 of 4
R.K. Anand
Others:
 Represent the bank in various global and domestic meets e.g. BANCON, FIBAC,
Delhi Economic Conclave and other such forums.
 Prepare background papers for meetings with Reserve Bank of India and Govt. of
India.
C. Other Special Achievements:-
 Declared as ‘Star Performer’ for Management Advisory Services Division, HO for 2012
 Worked as Nodal Officer of Bank at IBA, BCG & McKinsey for BANCON & FIBAC core
groups for conducting nation-wide performance analysis, studies and surveys.
 Contributed papers on Capital Planning, Risk Management & Financial Inclusion in
compendium of papers for BANCON and ‘The Banker’, IBA. Regularly bringing out ‘PNB
Monthly Review’, an in-house periodical on topical banking and economic matters,
having large circulation.
 Worked on Vision building and Formulation of Organizational Transformation &
Business Excellence Programme RFP for selection of global consultants for PNB Pragati
Thus what I feel is the comfort of experience of dealing with domestic as well as
international leading financial and economic professionals. Macro-economic sense
guides me in synchronizing financials accordingly.