CBS IMPLEMENTATION IN PANJAB

NATIONAL BANK
GUIDED BY- PROF. S.PUSHKAR
GROUP NO.4
SUBMITTED BY-
AJAY GUPTA H-14
ALOK AGRAWAL H-17
AMIT SAINI H-25
MANJINDER DHANOA H-39
NIRAV BHANOT H-44
HISTORY
 Founded Lahore, 1895 (British India)

 Headquarters- New Delhi, India

 Key people-Chairman and M.D. Dr. K.C. Chakrabarty

Industry - Banking Insurance

Products Loans,- Credit Cards, Savings, Investment vehicles,

Insurance etc.

Revenues- 2.32 billion (2005)

 Slogan.-..the name you can BANK upon.

INTERNET BANKING OR CBS
 consumers using the Internet to access their bank
account and to undertake banking transactions.

 involves provision of facilities such as accessing

accounts, funds transfer, and buying financial products
or services online .

 Also called ``transactional'' online banking.

TRADITIONAL BANKING V/S E-
BANKING
 TRADITIONAL- In traditional banking, the customer has
to visit the branch of the bank in person to perform the
basic banking operations viz., account enquiry, funds
transfer, cash withdrawing etc.

 E-BANKING- E-banking enables the customers to

perform the basic banking transactions by sitting at their
homes or at offices through a desktop or laptop round
the clock globally through electronic media. This is called
any time, any where banking.
MODELS OF E-BANKING
 To implement effectively E-banking and augment the
level of technology the following models have been
suggested:

(i) Complete Centralized Solution (CCS)

(ii) Cluster Approach
(iii) High Tech Bank within Bank
CCS OR CBS
 ideal branch network model on which E-banking
activities can be implemented uniformly and efficiently.

 Under this model, the bank has to provide web-server

and the requisite software which is connected to the
main server.
 The customers can access the web server for their basic
banking operations using any standard browser at any
location.
ADVANTAGES OF CBS
 Round the clock banking.

 Convenient Banking.

 Low Cost Banking.

 Profitable Banking.

 Quality Banking.

 Speed Banking.

 Service Banking
CBS IN PNB
 PNB has over 4500 branches and offices bringing the Punjab
National Bank to your doorstep.
 Around 2400 offices come under the network of Centralized
Banking Solution or CBS.

 A need for centralized banking system prompted PNB to

go computerized and what followed was the
establishment of CBS in Punjab National Bank branches
in all the leading cities like Delhi, Pune, Chennai,
Mumbai, Ahmedabad, Chandigarh, Gurgaon,
Hyderabad, Jalandhar, Kolkata, Ludhiana, Noida and
Bangalore.
CONTD…………………..
 Internet Banking Services are provided to all customers in the CBS
branches.

 A branch and ATM locator is also available on the official website of

Punjab National Bank.

 bank has been focusing on expanding its operations outside India

and has identified some of the emerging economies which offer
large business potential.

 All the Branches of the Bank have been computerized. The Bank
has also launched aggressively the concept of "Any Time, Any
Where Banking" through the introduction of Centralized Banking
Solution (CBS) and over 2409 offices have already been brought
under its ambit.
CONTD…………………………..
 PNB also offers Internet Banking services in the country
for Corporate as well as individuals.
 Internet Banking services are available through all
Branches of the Bank networked under CBS. Providing
24 hours, 365 days banking right from the PC of the
user, Internet Banking offers world class banking
facilities like anytime, anywhere access to account,
complete details of transactions, and statement of
account, online information of deposits, loans overdraft
account etc.
CONTD…………………………..
 PNB has recently introduced Online Payment Facility for
railway reservation .
 Banking account holders to pay their telephone, mobile,
electricity, insurance and other bills anytime from
anywhere from their desktop.
 THANK
THANK YOU.
YOU