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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
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INTRODUCTION
 Regional
Rural Bank Act 1976 sowed the
seeds of Assam Gramin Vikash Bank.
 RRB Act
1976 brought five regional rural
banks into existence in Assam.
 On
12th January, 2006 AGVB was established
by the amalgamation of four out of five
regional rural banks.
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Banks amalgamated were –
Pragjyotish Gaonlia Bank (Estd. 06-07- 1976),
Lakhimi Gaonlia Bank (Estd. 29-07-1980),
Cachar Gramin Bank (Estd. 31-03-1981)
Subansiri Gaonlia Bank (Estd. 30-03-1982).
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OBJECTIVES
 Better
customer service from better
infrastructure, branch computerization, pool of
experienced work force, unified publicity and
marketing efforts.
 Reaping
economies of scale with larger area of
operation, enhanced credit exposure limits.
 Opportunities
for diverse banking activities,
leading to higher business growth.
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ORGANIZATIONAL HIERARCHY
CHART
WIDE SPAN OF CONTROL
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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.
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REGIONAL DIVISIONS
NARROW SPAN OF CONTROL
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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.
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BRANCH LEVEL HIERARCHY
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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
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SWOT ANALYSIS
STRENGTHS
WEAKNESSES
 Highest no of
Branches
covered by any
RRB in India
 It’s an RRB
 Still 60%-65% of
Assam rural
population is not
at par with
Banking habit
 Potential players
are already in
the market viz.
SBI, PNB, ICICI,
UBI etc.
OPPORTUNITIES
THREATS
 Facilities are less
in comparison
to the PSBs
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CENTRALIZATION
OR
DECENTRALIZATION ???
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CENTRALIZATION
OR
DECENTRALIZATION ???
 Mixture of both Centralization and
Decentralization
 Though the authority is been delegated
to even at the extreme lower level.
 But yet a centralized control
is always there.
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prepared by,
Sangeeta Rabha
Kallol Das Purkayastha
Anamitra Kakoti
Litan Roy
Parminder Singh
Pranab Kr. Sarkar
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