CHAPTER- 1PROFILE OF THE FIRM/COMPANY1.1 Profile of Punjab National BankThe registered office of kotak mahindra bank 7, Bhikhaiji Cama Place, New Delhi- Delhi (110607), and the address 4th floor Rajendra Bhawan, Rajendra Place, New Delhi-110125, and the other contact details include contact no:- 011-26102303, 011-23323654, fax no: 011-26196456, 011-23711663and email address of the company hosd@pnb.co.in. The official website of the company is http://www.pnbindia.in. and the group is Public Sector.1.2 Introduction to Punjab National Bank1. The Indian banking market is growing at an astonishing rate, withAssets expected to reach US$1 trillion by 2010. An expandingeconomy, middle class, and technological innovations are allcontributing to this growth.The countrys middle class accounts for over 320 million people.In correlation with the growth of the economy, rising income levels,increased standard of living, and affordability of banking productsare promising factors for continued expansion.2. 14.The Indian banking Industry is in the middle of an IT revolution,Focusing on the expansion of retail and rural banking.Players are becoming increasingly customer - centric in theirapproach, which has resulted in innovative methods of offering newbanking products and services. Banks are now realizing theimportance of being a big player and are beginning to focus theirattention on mergers and acquisitions to take advantage ofeconomies of scale and/or comply with Basel II regulation.Indian banking industry assets are expected to reach US$1 trillion by2010 and are poised to receive a greater infusion of foreign capital,says Prathima Rajan, analyst in Celents banking group and author of3. 15.the report. The banking industry should focus on having a smallnumber of large players that can compete globally rather than havinga large number of fragmented players."

Kotak Mahindra is one of India's leading banking and financial services group, offering a wide range of financial services that encompass every sphere of life.Kotak Mahindra Bank Ltd is a one stop shop for all banking needs. The bank offers personal finance solutions of every kind from savings accounts to credit cards, distribution of mutual funds to life insurance products. Kotak Mahindra Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans. Kotak has one of the largest and most respected Wealth Management teams in India, providing the widest range of solutions to high net worth individuals, entrepreneurs, business families and employed professionals.

Kotak Mahindra Mutual Fund (KMMF) has been established as a Trustunder the Indian Trusts Acts, 1882. the trust Deed establishing KMMF and theDeed of Amendment have been registered under the Registration Act, 1908 bythe office of the Sub-Registrar of Assurances at Mumbai. KMMF has beenregistered with SEBI vide registration number MF/038/98/1 dated 23rdJune1998.The sponsor company, Kotak Mahindra Finance Limited (KMFL), wasconverted into Kotak Mahindra Bank Limited (Kotak Bank) in March 2003DER BEING GRANTED ABANKING LICENSE BY THE reserveBank ofIndia. KMFL promoted by Mr. Uday S Kotak, Mr. S.A.A.Pinto and Kotak &Co., was incorporated on November 21, 1985, under the name Kotak CapitalManagement Finance Limited. In early 1986, the promoters were joined byLate Mr.Harish Mahindra and Mr. Anand G Mahindra and the Companysname was changed to Kotak Mahindra Finance Limited.Kotak & Co is a highly respected trading company of Mumbai, withinternational business. KMFL started with a capital base of Rs.30.88 lakhs.Punjab National Bank Ltd was the result of the efforts of far-sighted visionaries and patriots, among whom were persons like Lala Lajpat Rai, Mr. E C Jessawala, Babu Kali Prasono Roy, Lala Harkishan Lal and Sardar Dyal Singh Majithia. Incorporated under the Act VI of 1882, Indian Companies Act, the Bank commenced operations on April 12, 1895 from Lahore, with an authorised total capital of Rs 2 lac and working capital of Rs 20,000. Prophetically, the Bank chose "Stability" as its telegraphic address, as the future course of events were to prove - the Bank withstood various financial crises including the trauma in the form of partition of India when the Bank had to close 92 offices (33%) in west Pakistan which constituted 40% of its deposits and 15 of its staff fell victims to the frenzy. The registered office was shifted to Delhi and the Bank honoured all the deposit claims of the refugees even on the basis of whatever little evidence they could produce. Subsequently, the Bank registered impressive performance and grew from strength to strength. A pioneer throughout, the Bank distinguished itself by appointing auditors in 1895 long before it was mandatory; introduced the "teller" system in 1944 (another first ); established profit sharing bonus, provident fund and voluntary outside audit well before they formed keystones of good management. After nationalisation came in 1969 the Bank, keeping with the economic ideology of catalyzing development and amelioration of poverty by funding various self-employment schemes, PNB expanded its presence rapidly in unbanked areas. With its large presence throughout the country and with a view to strengthening the rural credit delivery system, the Bank sponsored Regional Rural Banks (RRBs). The bank's growth has been aided by take-over/merger of 7 private sector banks during different periods in its history. The first ever and the only merger of a nationalized bank with PNB was in 1993, viz., New Bank of India. By late 1980s when the first whiff of liberalization came about, the Bank initiated strategic moves towards diversification; and 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. This was the seventh merger in PNBs history of more than 115 years. In order to meet future capital requirements on account of implementation of Basel II norms, in March 2005, the Bank came out with Follow-on Public Offer (FPO) through the book building process, reducing the shareholding of Govt of India to 57.8%. Punjab National Bank with 4997 domestic offices including 46 Extension Counters has the largest network amongst the nationalized banks i.e. next only to SBI.

1. The Kotak Mahindra Group was born in 1985 as Kotak Capital ManagementFinance Limited. This company was promoted by Uday Kotak, Sidney A.Pinto and Kotak & Company. Industrialists Harish Mahindra and AnandMahindra took a stake in 1986, and thats when the company changed itsname to Kotak MahindraFinance Limited. Since then its been a steady and confident journey togrowth and success. 1986 : Kotak Mahindra Finance Limited starts the activity of Bill Discounting 1987 : Kotak Mahindra Finance Limited enters the Lease and Hire Purchase market 1990 : The Auto Finance division is started 1991 : The Investment Banking Division is started. Takes over FICOM, one of Indias largest financial retail marketing networks 1992 : Enters the Funds Syndication sector 1995 : Brokerage and Distribution businesses incorporated into a separate company - Kotak Securities. Investment Banking division incorporated into a separate company - Kotak Mahindra Capital Company 1996 : The Auto Finance Business is hived off into a separate company - Kotak Mahindra Primus Limited. Kotak Mahindra takes a significant stake in Ford Credit Kotak Mahindra Limited, for financing Ford vehicles. The launch of Matrix Information Services Limited marks the Groups entry into information distribution.2. 19. 1998 : Enters the mutual fund market with the launch of Kotak Mahindra Asset Management Company. 2000 : Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance business. Kotak Securities launches kotakstreet.com - its on-line broking site. Formal commencement of private equity activity through setting up of Kotak Mahindra Venture Capital Fund. 2003 : Kotak Mahindra Finance Ltd. Converts to bank

2003Kotak Mahindra Finance Ltd. (KMFL), the group's flagship company, receives banking license from the Reserve Bank of India (RBI). With this, KMFL becomes the first non-banking finance company to be converted into a commercial bank - Kotak Mahindra Bank Ltd.

2004Enters alternate assets business with the launch of a private equity fund.

2005Kotak Mahindra Group realigns joint venture in Ford Credit; takes 100% ownership of Kotak Mahindra Prime (formerly known as Kotak Mahindra Primus Limited) and sells its stake in Ford credit Mahindra to Ford.

2005Launches a real estate fund

2006Buys outGoldman Sachs' equity stake in Kotak Mahindra Capital Company and Kotak Securities Ltd.

2008Launched a Pension Fund under India's National Pension System (NPS)

2009Kotak Mahindra Bank Ltd. opens a representative office in DubaiKotak Mahindra Bank Ltd. becomes anchor investor in Ahmedabad Commodities Exchange (ACE)

2015ING Vysya Bankhas merged with Kotak Mahindra Bank with effect from April 1, 2015.[7]

Merger with ING Vysya Bank[edit]In 2014, Kotak Bank acquiredING Vysya Bankfor a deal valued at15000crore(US$2.4billion). With the merger, the total human resource count will jump to almost 40,000 heads and the branch was expected to rise over 1200.[8]Post the merger,ING Groupwhich controlled ING Vysya Bank will own 7% share in Kotak Mahindra Bank.[9]Awards and recognitions[edit] Won Gold Award for Best Innovation Worlds first socially powered bank account and Gold Award for Best App developed Worlds first banking application using Twitter awards at the Indian Digital Media Awards 2014 for Kotak Jifi Recognised as Highest Fundraising Company in Corporate Challenge category in Standard Chartered Mumbai Marathon 2014 Kotak Mahindra Bank was ranked 292nd among India's most trusted brands according to the Brand Trust Report 2012, a study conducted by Trust Research Advisory. In the Brand Trust Report 2013, Kotak Mahindra Bank was ranked 861st among India's most trusted brands and subsequently, according to the Brand Trust Report 2014, Kotak Mahindra Bank was ranked 114th among India's most trusted brands.[10] Won National Securities Depository Ltd. (NSDL) award in the Best Performer in account Growth Rate category 2013, for Demat Accounts[11]

Our Corporate Identity

TOLL FREE1800 102 6022The symbol of Kotak Mahindra Group is the 'Ka', of distinctly Indian origin; while its curves form the universal 'infinity' sign, thus reflecting our uniquely global Indian personality.

The symbol of the infinite Ka reflects our global Indian personality. The Ka is uniquely Indian while its curve forms the infinity sign, which is universal. One of the basic tenets of economists is that man's needs are unlimited. The infinite Ka symbolises that we have infinite number of ways to meet those needs.

1.21 Services provided by PNBPunjab National Bank is the largest nationalized bank is serving its 8.9 crore customers with the following wide variety of banking services shown in the Fig. 1.1:

Figure-1 Banking ServiceThe meanings of various Banking Services which are provided to the customers by bank are explained as below:

a. Corporate banking Commercialbanksoffer the following products and services to corporations and other financial institutions: Loans and other credit products this is typically the biggest area of business withincorporate banking, and as noted earlier, one of the biggest sources of profit and risk for abank.b. Personal bankingPersonal banking also known as the Private banking. Private bankingisbanking, investment and other financial services provided bybankstoprivateindividuals who enjoy high levels of income or invest sizable assets.c. Industrial financeFinancial servicesare theeconomic servicesprovided by the finance industry, which encompasses a broad range of organizations that manage money, including credit unions, banks, credit card companies, insurance companies, accountancy companies, consumer finance companies, stock beverages, investment funds & some government sponsored enterprises.

1.3 Companys Vision and Mission1.31 Vision To positively contribute towards economic, environmental and social well-being of communities through Corporate Social Responsibility agenda

To be the most trusted Global Indian Financial Services brand and the most preferred financial services employer with focus on creating value.1.32 Mission Create a lasting value for communities by: Promoting and supporting education and other interventions for the under privileged Encouraging employee volunteering Supporting Non-Governmental Organizations and other institutions with financial and other resources to collectively deliver community initiativesCSR Focus Areas*** Promoting Education - Primary Focus Area Enhancing vocational skills and livelihood projects Promoting preventive healthcare and sanitation Reducing inequalities faced by socially and economically backward groups Environmental Sustainability

1.4 Product Range of the Company

PRODUCT PROFILEThe product services of the Kotak Mahindra group comprise the following areas. Bank Kotak Realty Fund

Credit Cards Kotak Private Equity Life Insurance International Business Mutual Fund Investment Banking Car Finance Institutional Equities Securities

Product services of theKotak Mahindra Bank Limited encompass a wide arena.They can be broadly put underthe heads of Banking and Savings, Corporate and Institutional,InvestmentsandInsuranceandLoansandBorrowings.These main service provision areas again have a number of sub-areas underthem.

Banking and SavingsBanking and AccountsConvenience BankingCredit CardsNRI ServicesDematDeposits

Corporate and InstitutionalCorporate FinanceTreasury

Investment BankingInstitutional Equities

Investments and InsuranceLife InsuranceEstate PlanningMutual FundsGoldShare TradingStructured Products

Loans and BorrowingsCar FinanceCommercial LoansHome LoansPersonal LoansLoans Against Property

Kotak Mahindra Bank Limited also sponsors Kotak Mahindra Mutual fund.Kotak Star Kid is the new offer from Kotak Mahindra Mutual fund. It is a uniqueproductwhichisessentiallyamutualfundalongwithinsurancecoverageavailable in a single package.

1.GoldDebit CardGold Debit Card, a 'fully loaded' Visa Debit Card with unlimited free access toall the VISA ATMs in India and worldwide. The card also has higher purchaseand cash withdrawal limits Rs.1, 75,000 per day purchase limits and Rs.1,75,000 cash withdrawal limit.In addition to the above, theKotak Gold Debit card also allows for the completewaiverofthefuelsurchargeacrossallpetrolpumpsanywhereinIndia,irrespective of the amount of the transaction. Our discerning customer alsoenjoys Gold lifestyle benefits (offers on fine dining,travel, etc.)2. ACE ACCOUNTAceDepositisauniqueproductfromKotakMahindraBankLimited.Itcombines the prospective of lucrative returns from anequity fund along with thestability and safety of a Fixed Deposit. Here the monthly interest accruing toone'stermdepositischannelized forinvestmentinmutualfundsasperasystematic investment plan. The safety of the principal amount on the fixeddeposit is guaranteed. The interest income becomes linked to the prospect ofmarket-linked returns.3. CAR LOANSKotak Mahindra Bank Limited Car Loans come from Kotak Mahindra PrimeLimited a subsidiary unit of Kotak Mahindra Bank Ltd. The company providesfinance options for and multi-utility vehicles including cars. Kotak MahindraPrime Limited provides car dealers with inventory funding. It is also thepreferred financier of a number of car manufactures in the country.4.HOME LOANSKotak Mahindra Bank Limited Home Loans comes with a host of attractivefeatures. Some of the salient features are described below.Wide array of offeringsAbsence of hidden chargesPre-approved sanctionsLife insurance optionsPersonal accident insurance, which is free15

Vanilla Home Loan, Fixed Deposit linked Home Loans and Kotak Flexi HomeLoan are some home loan offerings from Kotak Mahindra Bank Limited.5. PERSONAL LOANSLoans Against Property is aunique product from KotakMahindra. This loancanbe usedfor issues likedebt consolidation, educational finance, emergencies andthelike.Some key features of this loan are given below.Heightened loan eligibility for businesspersonsLoans are available against both commercial and residential propertiesPersonal accident insurance comes free with the loanLoan range is from Rs.10 lakh to Rs.3 crore6.SAVINGS ACCOUNTIt provides quick & convenient banking transactions along with options for yourmoney to earn high returns. The savings account goes beyond the traditional roleof savings, to provide you a range of services from funds transfer options toonline payments of bills to attractive returns earned through a comprehensivesuite of investment options.

Features & Benefits:1.Free access at all domestic andinternational VISAATMs You nolongerhave to worry about locating your Bank or Partner Bank ATM - Use thefirstVISA ATMthatyouspot,forfreecashwithdrawalorbalanceenquiry transactions. So walk into any VISA ATM in India or abroad towithdraw cash or for balance enquiry.2.Multiple access channels Access your account anytime through your landline, mobile phone or internet to get information on your account balanceor track your transactions. You can even transfer funds through PhoneBanking or Net Banking.3.Financial payments facilitated through the savings account Use the freeKotak Payment Gateway to make online payments for your utility bills,credit cards, online trading of shares or even online shopping. All this atthe click of a mouse!4.Quickandeasyfundstransferfundseasilyandwithspeed,toabeneficiary account at another bank. You can avail of this facility bywalkingintoanyofourbranchesorbysimpleloggingontoNetBanking. You also geta freemulti-city cheque bookso thatmoney fromyour account is transferred to the beneficiary's account at any of ourbranch locations, in the fastest possible time.5.Free banking transactions you can issue demand drafts or send chequesfor collection anywhere in the country for no extra charge.6.ActivMoneyEarnbetterreturnsinyoursavingsaccount,withourActivMoney facility that automatically sweeps out idle funds, above athreshold, from your account into Term Deposits. These Term Depositssweep back into your account to meet fund requirements when yourwithdrawalsexceedthebalanceavailableinyouraccount,therebyproviding you maximum liquidity.17

7.Free investmentaccount Use theNet Banking facilityto purchase/redeemmutual funds online while directly debiting / crediting your bank account.Further, youget afree investment account fortracking your investmentswith the Bank. This account provides you a consolidated view of all yourmutual fund investments across schemes with updated returns status,latest NAV information and research reports.8.Dedicated relationship manager you get a one point contact for all yourbanking related queries and transactions. Your relationship manager isqualifiedtohelpyouwithfinancialplanningandsoundinvestmentdecisions in order to meet your financial goals.9.Family SavingsAccount the KotakAce Savings package allows you toextend the Kotak banking experience to three of your family members.Under this scheme you areeligible to open 3Edge Savings Account withNMC waiver on all 3 accounts, so long as the AQB of your ACE accountis maintained.10.OnlinetradingaccountLinkyoursavingsaccounttoyouronlinetradingwith Kotak Securities to enable transfer of funds from your bank account toyour account with Kotak Securities and vice versa.11.KotakMahindra BanksPro Savings Account isanaccount packed withpowerful features to provide you a superior banking experience at a verycomfortable balance requirement. We provide you a relationship managerwho will specifically take care of your banking and investment needs.

In the intense competitive environment, which is set to intensify further with the entry of new players, the Bank is diversifying its revenue streams. During the FY13, the Bank acquired 30% stake in MetLife India Insurance Company Ltd., crediting a new entity named PNB MetLife India Insurance Company Ltd. Punjab National Bank is offering credit and debit card, Gold Business, Merchant Banking , Mutual Fund, Factoring Services, etc. to the customer in the following table 1:CUSTOMER ORIENTED PRODUCTS OFFERED BY PNB

1. Saving account2. Current account3. Fixed deposit4. Demand deposit5. Loans6. Mutual funds7. Insurance8. Deals in foreign exchange

NEW INITIATIVES1. Credit Card Business2. Bullion Business3. Segment wise performance4. Treasury operations5. Banking operations (other than treasury)6. International operations7. Priority sector credit8. Farmers welfare9. Golden Jubilee Rural Housing Scheme10. Regional Rural Banks

AREAS OF OPERATIONS1. Priority sectori. Credit to agricultureii. Agriculture Debt Waiver and Debt Relief Scheme 2008.iii. Small and Medium Enterprises.iv. Collateral Free Lending.v. MSME specialized and MSME Focus Branches.vi. Credit to weaker section.vii. Credit to women Beneficiaries.viii. Promoting Financial Inclusion.ix. Opening No Frill Account.x. Opening of Banking KIOSKS.2. Retail Credit.3. For-ex Business.4. Treasury Operations.5. Business Diversification.i. Mutual Fund Business.ii. Gold Coin Business.iii. Depository Services.iv. Online Trading Facilityv. Merchant Banking.vi. Cash Management Services vii. Credit Card Venture.6. Transaction Banking.7. Corporate Banking8. International Banking/NRI

PRODUCTS OF MSME DIVISION

1PNB Artisans Credit Card Schem

2PNB Gramin Chikitsak

3AScheme for Advances to Owner Drivers of Taxi Cars, Three

wheelers, Station Wagons, Tempos etc.

3BSanction of Second Term Loan

4Scheme for Financing Professionally Qualified Medical

Practitioners

5Consolidated Scheme for Financing to Traders

AFinancing of Stock/receivables/Other Block Assets

BFinancing Retail Traders For Purchase of Shop/Showroom

6Financial assistance to Housewives and other Women

7PNB Laghu Udhyami Credit Card Scheme (PNBLUCC

Scheme)

8Advances to Small Road Transport Operators

ALoans for New Vehicles

BSanction of Second Term Loan

CLoans to Purchase Old Vehicles Additional Guidelines

DOverdraft limit to Small Road Transport Operators

9Financial Assistance to War Widows for setting up of Small

service & Business Activities

10Credit Guarantee Fund Trust for Micro & Small Enterprises

11Scheme For Financing Small Scale Industry Related

Service/Business Enterprises SSSBEs

12PNB Green Credit

13PNB SME Sahyog Scheme

14Mahila Udhyam Nidhi Scheme

15Financing Craftsmen & Qualified Technician Entrepreneurs

16Refinance Scheme for Acquisition of ISO 9000 Series

Certification.

17Ex-Service men Scheme for Setting up of a Cyber Connect.

18Scheme For Financing Travel Agents And Tour Operators.

19(Manufacturing)

Scheme for Financing to Micro & Small Enterprises (MSE)

by way of Working Capital Demand Loan

Table-1 Product Range1.5 Size (in terms of Manpower & Turnover) of Organisation1.51 In terms of Manpower:

CADREMARCH 2013MARCH 2014

NUMBER%NUMBER%

OFFICERS2361037.302381136.33

CLERKS2544940.212686440.98

SUB STAFFub Staff(incl.PTS) 1423322.491486622.69

Total6329265541

Table-2 Size of Manpower

1.52 In terms of Turnover:Revenue109.63 billion(US$1.7billion)(2011)[1]

Net income15.69 billion(US$250million)(2011)

Revenue: INR 474 billion (US$ 8.7 billion)Net Income: INR 49.54 billion (US$ 906 million)Total Assets: INR 4.97 trillion (US$ 90.9 billion)

1.6 Organizational StructureThe bank has a three tier structure comprising of head office, circle office and branch office. There are 69 circle offices and 6215 branch offices. There is decentralized power up to the branch level which has improved speed of decision making. The Punjab National Bank has Functional organisational structure. In a functional organizational structure the organization is grouped based on functional areas, such as IT, finance, marketing and human resources.

1.61 Structure according to office

Figure-2 Four tier structure of PNBBranch 641

The Zonal Managers and Regional Managers head the Zonal Offices and Regional Offices respectively. The Branch is headed by AGM\CM\Senior Managers\Managers depending upon the size of the Branch activities and rendering of satisfactory customer services.The Bank has a very good system of delegation power of different functionaries in the hierarchy to facilitate speedy decision-making process even up to the branch level.

EMPLOYEES

The employee strength of your Bank, standalone, was 18,335 and alongwith its subsidiaries was 31,432 as of 31st March 2015. Upon themerger, 10,314 employees have been added up in the Bank and 514employees in the subsidiaries.

191 employees employed throughout the year and 30 employees employedfor part of the year were in receipt of remuneration of Rs. 60 lacs ormore per annum.

With an average age of 31 years your Bank continues to attract talentacross all its businesses and hierarchy and has put in place variousprocesses and systems to ensure alignment of employee behaviors withthe organization''s core values.

1.62 Structure according to delegation of powers

Figure-3 Structure of PNB according to delegation of authorities

The bank has introduced Grid/Committee system in credit sanction process wherein every loan proposal falling within the vested powers of DGM and above is discussed in a credit committee which on the merit of the case recommends the proposal to the sanctioning authority. Such committee has been formed both at CO and ZO level. The credit committee at CO includes GM Credit and CGM/GM-RMD. For credit proposals falling within the vested power of CGM/GM, the credit committee at CO includes DGM/AGM/Chief Manager-CD and DGM/AGM/Chief Manager RMD. The credit administration division is to be assisted by Risk Management Division (RMD) and Industry desk for risk vetting and techno-economic feasibility of credit proposal

1.7 Market Share

Punjab National Bank (PNB) is the second largest public bank in India after SBI in terms of branch, network and business .Currently, it has over 6 crore customers. The segments in which the business of the bank can be divided in are- Corporate Banking, Retail Banking and Treasury. The bank has 5.18% market share in deposits and 5.11% market share in credit.The business per employee of the bank stood at Rs.11.61 crores as on Mar13. PNB has wholly owned subsidiaries in Bhutan, Kazakhstan and UK. It also has a joint venture in Nepal with a local bank. The Government of India owns 57.9% stake in PNB. PNB also provides a range of financial services - life insurance, merchant banking, mutual funds, credit card, factoring, security trading, pension fund management and primary dealership in the money market - through its subsidiaries. Its subsidiaries are PNB Gilt Ltd, PNB Housing Finance Ltd, PNB Investment Services Ltd, PNB Life Insurance Co Ltd etc. PNB has expanded its wealth management services by foraying into Life Insurance business and tie-up with MetLife India Insurance Company Ltd. This deal will allow PNB to leverage its vast network to generate strong bancassurance income. Last year, PNB has started its corporate social responsibility activity in Mumbai under the aegis of PNB Prerna' to strengthen its ties with society. It has successfully completed one year of its existence.

Figure-4 Market Share

1.8 Present LeadershipPRESENT LEADERSHIPDESIGNATION

Ms. NatashaHR Manager, North Circle, Rajendra place.

Mr. Sachin Rathi

Officer Manager, North Circle, Rajendra place.

Ms. VandanaCredit Manager, North Circle, Civil Line.

Mr. Nitin Credit Manager, North Circle, Pitampura

Table-3 Present Leadership

1.9 Sources of Data CollectionThere are two typed of sources of data that are, primary and secondary data.1.91 Primary data: Primary data is important for all areas of research because it is unvarnished information about the results of an experiment or observation. It is like the eyewitness testimony at a trial. No one has tarnished it or spun it by adding their own opinion or bias so it can form the basis of objective conclusions. Primary method is first hand information. Primary data is the specific information collected by the person who is doing the research. It can be obtained through clinical trials, case studies, true experiments and randomized controlled studies. This information can be analyzed by other experts who may decide to test the validity of the data by repeating the same experiments. To carrying out this study, we will not use primary data.

1.92 Secondary data: Secondary data is the data that have been already collected by and readily available from other sources. Such data are cheaper and more quickly obtainable than the primary data and also may be available when primary data cannot be obtained at all. Secondary method is easily available. Various sources of information were collected for the various financial institutions in the market. Secondary method is obtained by using net or from referencing the various books or by balance sheet and journals etc. To carrying out this study, we will use only secondary data. In secondary data, we choose External sources method. However the following sources were considered for information gathering: a) RBIs guideline notesb) Data from Basle Committee on Banking Standards (BCBS)c) Research papers, power point presentations and PDF files prepared by the bank and its related officials.d) PNB Pratibha, magazine of Punjab National Banke) Past and Present Financial Statements:i. Balance Sheetii. Profitability Statementsf) Loan Policy and Internal Circulars of the bankg) Information from various books on risk management.h) CMA data i.e. Credit Monetary Arrangement data which includes the following 6 forms:i. Analysis of Balance Sheetii. Comparative Statement of current assets and current liabilities

CHAPTER- 2SWOT ANALYSIS OF THE COMPANY

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