1. TAKING PNB TO
THE NEXT LEVEL
Surya prakash 12
Source ; business line
Dated ; 17 oct 2010

2. INTRODUCTION
 Banking has changed in a big way since the
last two decades with the era of
liberalization, banking has become sort of
universal where the customer looks for all
product in the financial sector.
 Banking has evolved over a period of time
into a multifaceted activity with the customer
looking for solution for all his financial need
from one shop

3. OPPORTUNITY FOR INDIAN BANK AFTER CRISIS
 Banks are not following the retail population
but the corporate
 New player are introduced in investment
banking
 Government also support banks to being
global
 Indian corporate moves global to some part
of globe for expanding their operations, they
would like to have an Indian bank there to
support them.

4. CHANGES IN PNB
 Introducing a few changes to retail lending by
repositioning our retail asset hub
 Opening of customer interaction centers
 They have a concepts of field general
manager who are an extended arm of the
head office

5. VISION OF PNB
 PNB has vision adopted by its board, called
vision 2013
 They plan to open 5000 branches, a
business level of Rs10 lakh crore
 PNB is clearly getting positioned as the
second largest bank in the country, with a
very strong national presence and a
customer base of 15 crores so they work
hard to maintain so that they not lose such
position

6. CHALLENGES FACED BY PNB
 The biggest challenge is the pressure of
market dynamics, which is common to all
banks
 Build a team and create a talent pool to
replace retired staff
 Cope up with service quality gap between a
nationalized and a MNC bank

7. GAME PLAN FOR FUTURE
 PNB has launched over 40 pilot projects in
different areas
 PNB also focused toward villages as its plan
to cover 4900 villages under its banking
services
 PNB launches new project called
NAMASKAR to provide 1lakh touch point to
customer and planned to set up
ATMs, branches and kiosks through which
they can make their banking correspondent
go different part of country.