1 PROCEEDING PLAN 1 Introduction with AGVB 2

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PROCEEDING PLAN 1. Introduction with AGVB 2. Objectives 3. Main Hierarchy, Span of control & Departmentation 4. Regional level Hierarchy, span of control & Departmentation 5. Service Area MAP 6. AGVB Branch Hierarchy & Departmentation 7. SWOT Analysis of AGVB 8. Centralization or decentralization ? 9. Conclusion 2

INTRODUCTION Ø Regional Rural Bank Act 1976 sowed the seeds of Assam Gramin Vikash Bank. Ø RRB Act 1976 brought five regional rural banks into existence in Assam. Ø On 12 th January, 2006 AGVB was established by the amalgamation of four out of five regional rural banks. 3

Banks amalgamated were – ØPragjyotish Gaonlia Bank (Estd. 06 -07 - 1976), ØLakhimi Gaonlia Bank (Estd. 29 -07 -1980), ØCachar Gramin Bank (Estd. 31 -03 -1981) ØSubansiri Gaonlia Bank (Estd. 30 -03 -1982). 4

OBJECTIVES Ø Better customer service from better infrastructure, branch computerization, pool of experienced work force, unified publicity and marketing efforts. Ø Reaping economies of scale with larger area of operation, enhanced credit exposure limits. Ø Opportunities for diverse banking activities, leading to higher business growth. 5

ORGANIZATIONAL HIERARCHY CHART WIDE SPAN OF CONTROL 6

DEPARTMENTATION BY FUNCTION �Grouping of activities are done on the basis of functions such as IT, Vigilance, Accounting, R&D, Inspection & Audit. �Follows the principle of occupational specialization. �Tight control at the top. 7

REGIONAL DIVISIONS NARROW SPAN OF CONTROL 8

DEPARTMENTATION BY TERRITORY �Grouping of activities is done on the basis of Geographical location. �Responsibilities are given to the middle level. �Emphasize on local market. 9

q Covered Area: 25 Districts q Out of total 27 Districts of Assam 10

BRANCH LEVEL HIERARCHY 11

DEPARTMENTATION BY CUSTOMER �In an AGVB branch this departmentation is followed. �Grouping of activities on the basis of customer interest. Example: - Fixed Deposit schemes, Loan Schemes 12

SWOT ANALYSIS STRENGTHS § Highest no of Branches covered by any RRB in India WEAKNESSES § It’s an RRB § Facilities are less in comparison to the PSBs § Still 60%-65% of § Potential players Assam rural are already in population is not the market viz. at par with SBI, PNB, ICICI, Banking habit UBI etc. OPPORTUNITIES THREATS 13

CENTRALIZATION OR DECENTRALIZATION ? ? ? 14

CENTRALIZATION OR DECENTRALIZATION ? ? ? q Mixture of both Centralization and Decentralization q Though the authority is been delegated to even at the extreme lower level. q But yet a centralized control is always there. 15

prepared by, Sangeeta Rabha Kallol Das Purkayastha Anamitra Kakoti Litan Roy Parminder Singh Pranab Kr. Sarkar 16