1. A PRESENTATION ON ORGANIZATIONAL STRUCTUREOF
ASSAM GRAMIN VIKASH
BANK

2. PROCEEDING PLAN Introduction with AGVB Objectives
Main Hierarchy, Span of control & Departmentation
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

3. 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.

4. Banks amalgamated were –
Pragjyotish Gaonlia Bank (Estd ),
Lakhimi Gaonlia Bank (Estd ), 
Cachar Gramin Bank (Estd )
Subansiri Gaonlia Bank (Estd ).

5. 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.

6. ORGANIZATIONAL HIERARCHY
CHART
WIDE SPAN OF CONTROL

7. 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.

8. REGIONAL DIVISIONS
REGIONAL OFFICES
NARROW SPAN OF CONTROL

9. 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.

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

11. BRANCH LEVEL HIERARCHY

12. 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

13. SWOT ANALYSIS Highest no of Branches covered by any RRB in India
STRENGTHS
WEAKNESSES
Highest no of
Branches
covered by any
RRB in India
It’s an RRB
Facilities are less
in comparison
to the PSBs
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

14. CENTRALIZATION OR
DECENTRALIZATION ???

15. 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.

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