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ERP package integrate the different department of an organization with the help of integrated system approach. Integrated system approach requires successful implementation of re-engineering process for better result of an ERP system. Business re-engineering revolves around the IT and continues change. It is a fundamental rethinking of business process to improve the quality and output of the product or service.
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systems themselves. ERP delivers a single database that contains all data for the software modules, which would include: Manufacturing- Engineering, bills of material, scheduling, capacity, workflow management, quality control, cost management, manufacturing process, manufacturing projects, manufacturing flow. Supply chain management- Order to cash, inventory, order entry, purchasing, product configuration, supply chain planning, supplier scheduling, inspection of goods, claim processing, and commission calculation. Financial- General ledger, cash management, accounts payable, accounts receivable, fixed assets, cost accounting. Project management- Costing, billing, time and expense, performance units, activity management. Human resources- Human resources, payroll, training, time and attendance, roistering benefits. Customer relationship management- Sales and marketing, commissions, service, customer contact and call center support.
ystems, Applications and Products. It uses the concept of modules ("individual programs that can be purchased, installed, and run separately, but that all extract data from the common database"). SAP AG, the company that provides the enterprise resource planning solution has upgraded the package and launched it as SAP ECC 6.0 in 2005. ECC stands for Enterprise Central Component. The purpose of positioning it as ECC is to enable SAP to build and develop an environment of other products that can function upon the foundation of the central component.
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SAP's ERP solution includes several modules that support key functional areas some of them are:
SAP ERP Financials SAP ERP Logistics SAP ERP Human Resource Management SAP ERP Production Planning SAP ERP Material Management
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End-user service delivery Ensure that your employees can readily access the critical data, applications, and analytical tools they need to perform all their job functions efficiently and effectively while also supporting a shared-services organizational model for human resources, finances, and other key processes. SAP ERP offers role-based access and self-services through the manager and the employee portals, Duet, and employee interaction center support. Plus, SAP Mobile Time and Travel enables employees in the field to report time and expenses offline. SAP ERP Financials Ensure compliance and predictability of business performance so your organization can gain a deeper financial insight across the enterprise and tighten control of finances. SAP ERP Financials automates financial and management accounting and financial supply chain management. The solution also provides rigorous support for corporate-governance mandates such as Basel II and Sarbanes-Oxley. SAP ERP Human Capital Management Optimize your HR processes with a complete, integrated, and global human capital management (HCM) solution. SAP ERP provides this HCM solution for organizations of all sizes and in all industries. You can maximize the potential of your workforce, while supporting innovation, growth, and flexibility. The SAP ERP HCM solution automates talent management, core HR processes, and workforce deployment enabling increased efficiency and better compliance with changing global and local regulations. SAP ERP Operations Manage end-to-end procurement and logistics business processes for complete business cycles from self-service requisitioning to flexible invoicing and payment optimizing the flow of materials. SAP ERP Operations also helps discrete and process manufacturers manage the entire life cycle of product development and manufacturing. The solution automates the entire manufacturing process and reduces costs by controlling and adapting the manufacturing process in real time and increases customer satisfaction by delivering higher-quality products. SAP ERP Corporate Services Helps organizations manage their most costintensive corporate functions by supporting and streamlining administrative processes in the areas of real estate; enterprise assets; project portfolios; corporate travel; environment, health, and safety compliance; quality; and global trade services. SAP ERP Corporate Services is a complete and integrated solution that maximizes transparency and control, while reducing financial and environmental risks and enhancing safety of employees. Performance Management Support the entire life cycle of performance management, delivering real-time, personalized measurements and metrics to improve business insight and decision making. SAP ERP supports financial analytics, operations analytics, and workforce analytics, as well as consolidated
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financial and statutory reporting; planning, budgeting, and forecasting, strategy management and scorecards, and risk management.
Business Benefits
SAP ERP delivers a comprehensive set of integrated, cross-functional business processes. With SAP ERP, you can gain the following benefits: 1) Improve alignment of strategies and operations. 2) Run your enterprise in accordance with strategy and plans, accessing the right information in real time to identify concerns early. 3) Pursue opportunities proactively. 4) Achieve corporate objectives by aligning workforce and organizational objectives. 5) Find the best people and leverage their talent in the right job at the right time. 6) Improve productivity and insight. 7) Leverage self-services and analytics across your organization. 8) Improve operational efficiency and productivity within and beyond your enterprise. Reduce costs through increased flexibility. Use enterprise services architecture to improve process standardization, efficiency and adaptability. Extend transactions, information and collaboration functions to a broad business community. Support changing industry requirements. Join SAP's world-class partner network, uniquely qualified to support the best business practices in more than 25 industries. Improve financial management and corporate governance. Gain deep visibility into your organization with financial and management accounting functionality combined with business analytics. Increase profitability, improve financial control, and manage risk. Integrate and optimize business processes. Eliminate high integration costs and the need to purchase third-party software. Deploy other SAP Business Suite applications incrementally to improve cash flow and reduce costly borrowing. Gain higher ROI faster. Install SAP ERP using rapid-implementation techniques that cost less than half what traditional approaches cost. Retain your top performers through clearly defined career and development plans.
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pay plans and long-term incentives. 24) Provide immediate access to enterprise information. 25) Give employees new ways to access the enterprise information required for their daily activities.
Four Ps of Marketing
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Product: The product aspects of marketing deal with the specifications of the actual goods or services, and how it relates to the end-user's needs and wants. The scope of a product generally includes supporting elements such as warranties, guarantees, and support. Pricing: This refers to the process of setting a price for a product, including discounts. The price need not be monetary; it can simply be what is exchanged for the product or services, e.g. time, energy, or attention. Methods of setting prices optimally are in the domain of pricing science. Place (or distribution): refers to how the product gets to the customer; for example, point-of-sale placement or retailing. This third P has also sometimes been called Place, referring to the channel by which a product or service is sold (e.g. online vs. retail), which geographic region or industry, to which segment (young adults, families, business people), etc. also referring to how the environment in which the product is sold in can affect sales. Promotion: This includes advertising, sales promotion, publicity, and personal selling. Branding refers to the various methods of promoting the product, brand, or company.
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age group of students for each stage, are shown in the table below: S. No Stage Classes / Duration
(with exceptions, if any)
1.
I-XII I-VIII (I-VII a few States) I-V (I - IV in a few States) VI - VIII (V - VII in a few States)
IX - XII (VIII - XII in a few States) IX - X (VIII - X in a few States) (I - IV in a few States) XI XII
14 - 18 Years 14 - 16 Years
16 - 18 Years
2.
Higher / University Education 2.1 Non-Professional (e.g. Humanities / Pure Sciences / Commerce) Degree Cources 2.1.1 Undergraduate 2.1.2 Post-graduate 3 Years 2 Years
18 - 24 Years *
2.2 Professional Degree / Diploma Depends on the nature of the Courses course *18 - 24 years is usually taken as the age group of students corresponding to university / tertiary education
Nu
mber (I) Institutions running Diploma and Certificate courses Polytechnics Teacher training institutions Tech., Indus., Arts & Crafts Total (I) (II) Universities and colleges Universities Colleges Total (II) 1171 1465 5114 7750 543 16009 16552
Currently, with hundreds of universities and thousands of colleges affiliated to them, India has positioned itself comfortably as a country that provides quality higher education to its people in specific and to the world in general.
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Scope
This training helps us to understand the whole business process and various ways how an industry works as a whole. It also helps us to develop our skills according to the present market condition. The study also help us t o identify the practices related to finance in different sectors which was a very knowledgeable experience to be gained. This training also builds our skills of marketing together with our specialization fields.
Limitations
Every thing has some pros and cons and so certain limitations of his study that we could observe are as follows:
1) The study is limited to the organization of only to single city (i.e.
2)
3)
4)
5)
Jabalpur) which have not provided a clear and correct conclusion of the result. The result and conclusion would only be approximated. The organizations which have been studied and surveyed are no providing us with full information which has hampered the results and conclusion. The process of study was very time consuming as traveling long distances take a lot of time. The process was also very costly. Difficulty in getting appointment from people as the ware very busy inn their official work.
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4. Company Profiles
4.1 Navyug Arts & Commerce College, Jabalpur
Navyug College was founded in 1962, shifted to new campus in 1968. Navyug College has completed 46 years of contribution to the field of General Education. The College is situated between Railway Station and University in the Civil Lines area of Jabalpur, Madhya Pradesh. It was established by Prof. Ramesh Chandra Choubey, its founder Principal, under the aegis of Navyug Education Society on a sprawling land area of three acres (Cost Rs. 2 cr.). The college is registered under Section 2(F) of UGC, New Delhi by virtue of which has been the beneficiary of various Development Schemes of the Central Govt. for the last several years. The college conducts various courses under the faculty of Arts, Social Science, Commerce, Education and Computer Science. Admissions to these courses are done according to the rules prescribed by Higher Education and University. The number and admission of SC, ST, OBC and Girl students in the college is determined according to the rules and guidelines of the Government For the general students the upper age limit is fixed at 22 years for undergraduate course and 25 years for postgraduate courses. In case of SC, ST, OBC and Girl students the upper age limit is kept flexible. Admission to college is given according to merit and to B.Ed classes is given through Councelling under the rules established by the MP Govt. The new Semester system has been introduced in UG and PG first year from 2008-09 sessions. The following courses are being offered by the college: Arts & Social Science Faculty 1. B. A. (Three Years Degree Course)
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Compulsory Subject - Foundation Course - Three Papers Optional Subject First Combination - Any Three of the following - Two Papers Each Political Science, History, Sociology, Economics, Hindi Lit, English Lit. Second Combination - Economics, Statistics & Business Data Processing.
2. M. A. (Previous & Final) Political Science and History (Four Paper each) Commerce Faculty 3. B. Com. (Three Years Degree Course) also available with Computer Application. Compulsory Subject - Foundation Course - Three Papers First Year & Second Year (Two Papers Each) Optional Subjects a) Accounting b) Business Management c) Applied Economics or Computer Application Third Year (Two Papers Each) Optional Subjects a) Income Tax & Indirect Tax b) Management Accounting & Auditing c) Any One - i) Finance ii) Marketing iii) E-Commerce 4. M. Com. (Previous & Final) 5. Post Graduate Diploma in Computers and Management (PGDCM) (Two Years Course) Computer Faculty 6. BCA - Three Years Course under Semester System Education Faculty 7. B. Ed - One Year Course Staff details: There is 32 teaching & 12 non teaching staff members are working.
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Other facility
1) NCC: It was established in the college in the year 1980. This college has 1MP Artillery Regiment NCC Unit. Artillery is one of the best Arms of the Indian Army.80 Cadets are enrolled every year, out of which 15 seats are reserved for girls. At present Major Sushant Kumar Sinha is NCC Officer of the college. Maj Sinha got Commission in Sep 1982 after doing the courses at OTS Kamptee and Artillery Center at Hyderabad. He has completed course in Civil Defense from National Civil Defense College, Nagpur. In 26 years of his NCC career he has attended 40 Camps and Courses. In addition to CATC he has also participated in NIC, Tracking Expedition, Cycle Expedition, Adventure Camp and Army Attachment Camp. Above all he also participated in Nation s most important event "RDC New Delhi in 2001. NCC parade is held on every Sunday from 8 am to 12:30 pm during the months of August January. Many NCC cadets of the college have brought name & fame to the college by participating in many All India Camps and joining the Indian Army. In the field of social service the students of the college have always remained in the fore-front in acts like Blood Donation and Tree Plantation. 2) NSS 80 Students Unit College also has a unit of NSS comprising of 80 students. President Principal Dr. Miss Nalini Keller was the first Programmer Officer of the NSS. Subsequently Mr. Chandra Prakash Verma, Sr. Sports Officer became incharge of NSS. At present Dr. Santosh Yadav, Head of the Commerce Faculty is the NSS Programmer Officer. The NSS Unit of the college organizes various programmed of social reawakening. Under the inspiring leadership of Dr. Yadav the students organizes Rallies and Programmes related with the burning issues of the society. 3) Free consultation and coaching classes
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College provides free consultation and coaching classes for final year students for the preparation of competitive exams.
Organizational Structure
Principal
Arts
Commerce
Education
Computer Science
Administrati on
Administrativ e Staff
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Sources
Investment of Sources
1) UGCS fund invests as per UGCS rule like on: Purchasing books Purchasing equipments Seminars etc. 2) State govt.s fund is use to pay salaries to staff members (Salary paid as per UGC scale) 3) Students fees is used on development of institution
Promotional activities
1) The college spends around 50000 Rs. in a year for their promotional Activities. 2) Navyug Colleges promotional activities based on more toward their Students such as they provide extra facilities (like free coaching, provide Magazines, guest lectures etc.) to student to promote their college. 3) They also organize activities and events to promote their college.
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SWOT Analysis
Strengths 1) Low fee structure 2) Financial support from UGC and Government 3) One of the best art & commerce college 4) Free career guidance & coaching classes for competitive exams 5) Providing students extra facilities to Weakness 1) Most of the fund is used as per only UGS and Govt. guidelines 2) Infrastructure is not good enough to attract 3) Inadaptability of computer technology advance
Opportunities 1) High growth in education sector 2) Scope for other graduation, Post Graduation and vocational course
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Threats 1) Large number of competitors 2) Poor recognition for political and student activities
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be dedicated and delighted to serve the discerning customer with professionalism and wholeheartedness. Union Bank is a Public Sector Unit with 55.43% Share Capital held by the Government of India. The Bank came out with its Initial Public Offer (IPO) in August 20, 2002 and Follow on Public Offer in February 2006. Presently 44.57 % of Share Capital is presently held by Institutions, Individuals and Others. In March 2008, Union Bank became the first large Public Sector Bank to network all its branches under the Core Banking Solution (CBS). Over the years, the Bank has earned the reputation of being a techno-savvy and is a front runner among public sector banks in modern-day banking trends. It is one of the pioneer public sector banks, which launched Core Banking Solution in 2002. Under this solution umbrella, All Branches of the Bank have been 1135 networked ATMs, with online Tele banking facility made available to all its Core Banking Customers - individual as well as corporate. In addition to this, the versatile Internet Banking provides extensive information pertaining to accounts and facets of banking. Regular banking services apart, the customer can also avail of a variety of other value-added services like Cash Management Service, Insurance, Mutual Funds and D-Mat. The Bank will ever strive in its endeavor to provide services to its customer and enhance its businesses thereby fulfilling its vision of becoming THE BANK OF FIRST CHOICE IN OUR CHOSEN AREA BY BUILDING BENEFICIAL AND LASTING RELATIONSHIP WITH CUSTOMERS THROUGH A PROCESS OF CONTINUOUS IMPROVEMENT.
ORGANISATIONAL STRUCTURE
List Of Regional Offices Bank has a lean three-tier structure. The delegated powers have been enhanced. The decentralized power structure has accelerated decision making process and thereby Bank quickly responds to changing needs of the customers and has also been able to adjust with the changing environment. Bank has five General Manager Offices at Ahmedabad, Pune, Lucknow, Delhi, Bangalore, Bhopal, Mumbai, Calcutta and Chennai which function as an extended arm of corporate office. It also has two Zonal Offices at Bhopal and Pune. Tier 3 comprises of 53 Regional Offices at various geographical center of the country.
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This branch was established in 1967 at Super Bazaar, Jabalpur. It is a CBS branch. Core Banking Solution (CBS) is networking of branches, which enables Customers to operate their accounts, and avail banking services from any branch of the Bank on CBS network, regardless of where he maintains his account. Nearly 35 employees are working in this branch. UBI has 10 ATMs in the city. UBI has 2500 branches all across the country and all branches are interconnected through INTRANET (lease line and ISD based) software.
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BM PB OM
CSM
CSM
CRM
CSO
CSO
CRO
CSO
CSO
CRO
CSM
Business Process
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UBIs Operation
Personal Banking Savings and Deposit Retail Loans Cards Insurance Investment Payments Corporate Banking SME credit Insurance E-Tax NRI Banking Remittance Loan and Services Savings and Deposit Payments Internet Banking ATM Service Bill Payment Online Custom Duty Payment
Fund management
Sources of income
Deposits
Charging interest
Investments
Amount earned by Union Bank of India form above sources is invested in different fields to earn more profit.
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Investment Areas
Various bonds
Venture funds
Syndication finance
Export finance
Marketing Strategies
Union bank strongly believes in winning the customer by winning their hearts through complete satisfaction of their needs. Union banks marketing strategies more towards making their existing customers loyal because they believe that it is
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their customer who provides them with new customers. Union bank uses KYC (Know your customer) form to have complete association with their customers. Target Market ds@guruerp.com Personal bankers target markets includes businessman, salaried individuals, house wives, retired individuals and any one who has potential to provide legal deposit to the bank. Promotional Strategies UBI uses both direct and indirect form of marketing for the promotion and direct marketing such as, sending message directly to the consumers through addressable media like mail, telephone and meeting with customers. On the other hand indirect marketing such as advertisement tools like billboards, TV commercial, radio commercial etc. Public Relation Union bank strongly aims to develop positive relationship with public. Direct Mail Through direct mail UBI uses their resource effectively by allowing them to send publicity material to named person with their target segment. Internet Promotion Owning a website is now a crucial ingredient for the marketing mix strategy of any organization. Union bank customers can obtain instant information as well as through I-Banking customers can enjoy a host of a service. Personal Selling The foremost promotional strategy of UBI is personal selling i.e. selling products one to one. Product Strategies Augmented Product With every new account opened, UBI provide a free cheque book and a free shopping /debit card. Augmented Personalized Services Personal bankers are dedicated to provide best service and attention to customers.
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SWOT Analysis
Strengths 1) 100% core banking solution 2) Techno-savvy and is a front runner among public sector banks in modern-day banking trends 3) Strong customer relationship 4) Majority government ownership Weakness 1) High interest rate compare to other banks 2) Lengthy business process 3) Low deposit return
Opportunities 1) Fast growing Indian economy 2) High growth in banking sector 3) Scope in rural and semi-urban areas
Threats 1) Rising interest rate due to slowdown 2) Very high competition prevailing in the industry 3) Lack of infrastructure in rural areas
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Products 4 main products and more than 15 sub products Manpower 35 Departments 3 Turnover Approx 15 Cr (Annually) Finance Government, RBI, Sales Software Intranet (lease line and ISD based) ERP can be implemented in the Union Bank of India because it is big organization. It has various departments like saving, current and advance department etc. they all have individual information which is gathered at regular intervals. Situation come when one department needs basic information about other department and for that purpose if ERP is implemented in the bank then it will be very advantageous. For example insecurity, it helps in authentication of the data, data recovery, removing data redundancy. Recommendations for SAP ERP 1) It improves the operational excellence. It simplifies business operation across products and service lines. 2) Its integrated financial and risk management processes support the management of risk across the organization. 3) It enables you to acquire, maintain and retain customers as a part of customers -centric business strategy. 4) Product bundling features helps in constructing customer specific offers. 5) It helps in customer relationship enhancement by connecting front and back offices tasks. It also provides a superior customer experience and stronger top line growth. 6) It gives better understanding of customers by gathering customers information liker their account and transaction.
7) By integrating customer interaction across channels solutions of queries could be done in a single contact. The solution can help greatly to improve the customer experience.
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8) A SAP ERP real time analytical dashboard helps in reviewing marketing campaign and sales results. 9) It generates auto alerts appointment entries or issue escalation to help sales advisor pick up directly with customers.
10) 11) 12)
It helps in bank integrate valuation and calculation for various financial instruments.
13)
It helps in credit portfolio management, profit management and management accounting etc. It helps in value financial instruments under todays regulations.
14) 15)
It provides significant flexibility in designing creating and expanding credit risk report.
16)
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Priyadarshini Suvidha Seva Kendra is a government recognized retail outlet established by Govt. of India which works under govt.s rules and regulation for the welfare of the people. It is a non profit making organization. Priyadarshini Suvidha Seva Kendras first outlet at Jabalpur was established in 27 February 1994, at Marhatal. Now at present total 3 branches are situated in Jabalpur. Its head office of Madhya Pradesh is situated in Bhopal. Priyadarshini Suvidha Seva Kendras main branch of Jabalpur is at Marhatal. It deals in mostly FMCG products.
Product List
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Product
Cosmetic products
Electric items
Organizational Structure
Branch manager
Store supervisor
Purchase officer
Head cashier
Godown incharge
Cashier
Godown supervisor
Computer operator
Fund Management
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Sources of Income
Government fund
Sales
Business Process
Floor member report to Floor head report to Store supervisor report to
Store to consume r
Pricing Method
As Priyadarshini Suvidha Seva Kendra is non profit making organization so they decide price of the products at maximum 7% profit margin i.e. Sales price =Purchase price +7 to 12% profit (it includes salaries, maintenance cost and other expenses)
Target Market
Priyadarshini Suvidha Seva Kendra targets middle class, average salaried people for their potential customers. They also targets to businessman, housewives, old age people for their potential customers.
Promotions
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Priyadarshini Suvidha Seva Kendra uses indirect form of marketing for promotions such as: Advertisement (Print aids, Radio, Television) Advertising in local dailies Special events pricing Seasonal discounts and free coupons Public relation through newspaper, magazines
SWOT Analysis
Strengths 1) Target one stop shopping at discounted price 2) Provide best quality products at cheaper price 3) Target price conscious consumers
4) General perception of people as a
Weakness 1) Purchasing from local dealers of products 2) Profit margin limitation 3) Casual behavior of employees
4) Government ownership 5) Easy decision making process Opportunities 1) Fast growing retail sector 2) Growth in organized retail sector 3) Evolving consumer preference
4) Increase in product list 5) Increase in profit margin
Govt. organization
3) Unorganized retail
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products. 6) It generates auto market analysis report which helps in meeting the needs of customers as well as helps in making policies.
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7) It comprises of Contact Management and Sales Order Processing Management. It is an integrated solution comprising of marketing and sales activities. Organization can act immediately to improve sales, service and marketing effectiveness by using this Module 8) ERP provides a powerful and flexible set of features to help you manage and report your inventory information. 9) ERP streamlines procurement of required raw materials, packaging material, sub assembly and other non-inventory materials. It automates the processes of identifying potential suppliers, Supplier Evaluation, Supplier Quote Evaluation, awarding purchase order to the supplier, and billing processes.
10) ERP gathers financial data from various functional departments and
generates valuable financial reports. 11) With the ERP financial reports Financial Manager as well as other Managers within business can review the financial position of the company in real time and assist in better decision-making and strategic planning.
12) It routinely maintains a complete employee database including contact
information, salary details, attendance, performance evaluation and promotion of all employees.
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The bank has made rapid strides in this direction. Along with the achievement of 100% branch computerization, one of the major achievements of the Bank is covering all the branches of the Bank under Core Banking Solution (CBS), thus covering 100% of its business and providing Anytime Anywhere banking facility to all customers including customers of more than 2000 rural branches. The bank has also been offering Internet banking services to the customers of CBS branches like booking of tickets, payment of bills of utilities, purchase of airline tickets etc. Towards developing a cost effective alternative channels of delivery, the bank with more than 2150 ATMs has the largest ATM network amongst Nationalized Banks. With the help of advanced technology, the Bank has been a frontrunner in the industry so far as the initiatives for Financial Inclusion is concerned. With its policy of inclusive growth in the Indo-Gangetic belt, the Banks mission is Banking for Unbanked. The Bank has launched a drive for biometric smart card based technology enabled Financial Inclusion with the help of Business Correspondents/Business Facilitators (BC/BF) so as to reach out to the last mile customer. The BC/BF will address the outreach issue while technology will provide cost effective and transparent services. The Bank has started several innovative initiatives for marginal groups like rickshaw pullers, vegetable vendors, diary farmers, construction workers, etc. The Bank has already achieved 100% financial inclusion in 21,408 villages. Backed by strong domestic performance, the bank is planning to realize its global aspirations. In order to increase its international presence, the Bank continues its selective foray in international markets with presence in Hong Kong, Dubai, Kazakhstan, UK, Shanghai, Singapore, Kabul and Norway. A second branch in Hong Kong at Kowloon was opened in the first week of April09. Bank is also in the process of establishing its presence in China, Bhutan, DIFC Dubai, Canada and Singapore. The bank also has a joint venture with Everest Bank Ltd. (EBL), Nepal. Under the long term vision, Bank proposes to start its operation in Fiji Island, Australia and Indonesia. Bank continues with its goal to become a household brand with global expertise. Amongst Top 1000 Banks in the World, The Banker listed PNB at 250th place. Further, PNB is at the 1166th position among 48 Indian firms making it to a list of the worlds biggest companies compiled by the US magazine Forbes.
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Financial Performance
Punjab National Bank continues to maintain its frontline position in the Indian banking industry. In particular, the bank has retained its NUMBER ONE position among the nationalized banks in terms of number of branches, Deposit, Advances, total Business, operating and net profit in the year 2008-09. The impressive operational and financial performance has been brought about by Banks focus on customer based business with thrust on SME, Agriculture, more inclusive approach to banking; better asset liability management; improved margin management, thrust on recovery and increased efficiency in core operations of the Bank. The performance highlights of the bank in terms of business and profit are shown below: Parameters Operating Profit* Net Profit* Deposit Advance Total Business (Rs. Crores) Mar'07 3617 1540 139860 96597 236456 Mar'08 4006 2049 166457 119502 285959 Mar'09 5744 3091 209760 154703 364463 CRAR 26.02 41.67 22.47 26.55 24.15
Shareholders Patterns
Organizational Structure
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Head Office
Branches (4267)
PNB-Head Office Address : Telephone: Fax: 7, Bhikhaiji Cama Place, New Delhi - 110 066. 91 - 11 - 26102303 91 - 11 - 26196456
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Hierarchy
Chairman
Chief Manager
Senior Manager
Manager
Officers
Business Operations
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Savings Fund Account PNB Prudent Sweep Total Freedom Salary Account PNB Vidyarthi SF Account PNB Mitra SF Account Current Account PNB Smart Roamer PNB Vaibhav PNB Gaurav Fixed Deposit Schemes Mahabachat Schemes Spectrum Fixed Deposit Scheme Anupam Account Multi Benefit Deposit Scheme
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