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    Arsh FF

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    Arshdeep
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    Arsh FF

    Uploaded by

    Arshdeep
    65 views7 pages
    Made by onb report on credit

    Original Title

    ARSH FF

    Copyright

    © © All Rights Reserved

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    PPT, PDF, TXT or read online from Scribd

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    Made by onb report on credit

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    65 views7 pages

    Arsh FF

    Uploaded by

    Arshdeep
    Made by onb report on credit

    Copyright:

    © All Rights Reserved
    Download as PPT, PDF, TXT or read online from Scribd
    Download as ppt, pdf, or txt
    of 7

    1

    “Risk Management in Punjab National Bank


    for Working Capital and Term Loan”

    Presented By: Arshdeep Kaur


    Introduction to the Company

    PUNJAB NATIONAL BANK


    Introduction:
    Punjab National Bank (PNB) was established in 1894 and is the second largest government owned and over all fourth
    largest bank in India. It has about 6994 branches across 764 cities and serves over 110 million customers. It has presence
    throughout the country and offers a wide variety of banking services that include corporate and personal banking, industrial
    finance, agricultural finance, financing of trade and international banking. Among the clients of the bank are multinational
    companies, Indian conglomerates, medium and small industrial units, exporters and non-resident Indians. The strength of
    the bank lies in its corporate belief of growth and stability.

    Vision

    • “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"

    Mission

    • Banking for the unbanked.


    Objectives of the study

    Understanding the different types of credit facilities and credit delivery


    Objective I mechanisms provided to industrial customers viz. Overdraft, Cash Credit,
    Drawing Rights, Fund Based Credit, Non Fund Based Credit etc.

    Understanding the different methods available for risk vetting of lending


    Objective II proposals, different risk assessment models and the different credit rating
    procedures used in Punjab National Bank.

    Understanding the appraisal process of Term Loan and working Capital


    financing and sanctioning of working capital, issuing term loan, to
    Objective III
    corporate, through different case studies, on the job training.
    ANALYSIS

    The credit risk rating model has been developed with a view to provide a standard system for
    assigning a credit risk rating to the borrowers of the bank according to their risk profile. This model is
    applicable to all large corporate borrowal accounts availing total limits (fund based and non-fund
    based) of more than Rs. 15 crore or having total sales of more than Rs. 100 crore.
    CREDIT RISK MODEL

    CREDIT RISK RATING IN PNB

    PNB RETAIL SCORE PNB SME SCORE PNB TRAC SCORE

    RETAIL LOAN Business Loan Corporate


    Loan
    (Any amount) (Up to 50lakh) (above 50lakh)

     Car Large(above15cr.)
     Education Mid (up to 15cr.)
     Personal small (up to 5cr.)
     House
    Process

    “Process Of Spreading”

    1 2 3 4 5

    Receiving the Verification and Adjustments and


    Request updating of all the Notes
    information •Updating on Tracker
    •Updating on tracker •With TASC •Updating on MRA
    •Saving the Financials •With Financials

    Creating record Spreading of Generating


    on MRA Financials Reports
    •New Customers •Balance Sheet •Saving the Report
    •Existing Customers •Income Statement •Quality Check
    Recommendations and Conclusion

    Recommendations Conclusion

     fcdsgfds  rrgver

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