EXECUTIVE SUMMARY

As part of our analysis, we identified Risk/Regulation, Novel Product

Service Mix and Technology as the major factors affecting banking
industry today. To complement our study, product/service innovations
in both national and international banks were explored. Further, we
compared various Indian banks on parameters of Reach, Risk,
Profitability, and Borrowing Power to comprehend their competitive
landscape. Based on the aforementioned analyses, we developed the
NTF (Network, Target and Feedback) Framework to serve as a guide for
PBOIs innovative roadmap.
We recommend that PBOI employ individual BCs to reach unbanked
rural customers and gain independence in cross-selling products. In the
Agricultural MSME sector, we recommend the insurance of crops for
low-interest loans. We suggest that PBOI embarks into the agricultural
value chain by acting as a dealer between the farmer and the Mandi
Aarthi. For Non-Agricultural SMEs, cluster-based solutions, SHG value
chain financing and bills E-discounting platform have been
recommended. A new payment mechanism to simplify metro riding
process has been enumerated. A suggestion to tie up with corporate
employers has been provided to transform PBOI into a primary bank. To
conclude our solution, IT implementation, financial projections and
implementation timeline has been shared.