Bank of Baroda

RESEARCH INSIGHT-1
General Overview: -
The State Bank of India is largely divided into two main categories: -
1) ordinary banking functions 2) Central banking functions.
Central Banking Functions:
Where RBI branches are not available, SBI acts as the agent.
Some of the function of SBI as RBI agent:-
• Maintaining the currency
• Government’s bank
• Bank’s banker
• Acts as a clearinghouse
• Maintaining the currency.
General Banking Functions:

• Deposits in the form of savings, fixed, current, and recurring deposit accounts.
• Based on the security of stocks, securities, gives advances and loans to the public.
• Facility of drawings, accepting, and buying and selling the bills of exchange.
• Acts as a trustee, executor, or otherwise, based on the circumstances.
• Opening of public provident fund.
• It underwrites any issue related to the securities or the debentures that are
authorized.
Shareholding pattern of the company -
The Shareholding Pattern page of State Bank of India presents the Promoter's holding, FII's
holding, DII's Holding, and Shareholding by general public, etc.:-
Holder's Name No of Shares % Share Holding
No. of Shares 8924611534 100%
Promoters 5079775288 56.92%
Foreign Institutions 865012258 9.69%
Banks Mutual Funds 1121072103 12.56%
Central government 17515911 0.2%
Others 87856022 0.98%
General Public 569954344 6.39%
Financial Institutions 1071806218 12.01%

GDR 111619390 1.25%
Management of the company –

1) Chairman:- Shri Dinesh Kumar Khara , Mr. Khara entered SBI in 1984 as a
Probationary Officer and has over 36 years of experience in the banking industry.Mr.
Dinesh Kumar Khara, 59, holds a master's degree in business administration from
FMS New Delhi and a post-graduate diploma in commerce from the Delhi School of
Economics. He is also a Certified Associate of Indian Institute of Bankers (CAIIB).
2) Managing Director (Retail & Digital Banking :- Shri Challa Sreenivasulu Setty, he
started his career with State Bank of India in 1988 as a Probationary Officer. A
Bachelor of Science in Agriculture and also, a Certified Associate of Indian Institute of
Bankers
Strengths, Weaknesses, Opportunities & Threats (SWOT) analysis of the company:-

SWOT analysis of State Bank Of India (SBI) analyses the brand/company with its strengths,
weaknesses, opportunities & threats. In State Bank Of India (SBI) SWOT Analysis, the
strengths and weaknesses are the internal factors whereas opportunities and threats are
the external factors.
SWOT Analysis is a tried-and-true management framework that helps a company like State
Bank Of India (SBI) to equate its market and results to that of its competitors and industry.
The State Bank of India (SBI) is a well-known name in the banking and financial services
industry.
The SWOT Review of State Bank of India (SBI) shows the following strengths:
1. SBI is India's largest bank, with over 14000 branches.

2. The State Bank of India (SBI) has its own regulations. As a result, the bank has a special
benefit.
3. The country's largest branch network suggests that the organization has a wide scope.
4. The public sector was the first to implement CBS.
5. SBI hires nearly 300,000 employees.
6. The bank profits immensely from the government of India's funding.
7. The State Bank of India provides services such as consumer banking, business banking,
and insurance.
8. Due to intensive marketing, it has a high brand visibility and awareness.
9. SBI has offices in more than 35 countries and hires about 200 people.
Here are the weaknesses of State Bank of India (SBI):
1. SBI's market share growth is limited due to intense competition.

2. In contrast to major banks, it has a smaller foreign presence
Following are the Opportunities for State Bank of India (SBI):
1. Collect talent to replace retiring top management in order to best represent the next
generation.
2. The State Bank of India (SBI) will strengthen its CRM, technology, and online presence.
3. Expansion into rural areas will help the company expand.
4. With its vast scope and an emphasis on India going cashless, the bank has the potential to
dominate the market.
The threats of State Bank of India (SBI) are as mentioned:
1. Private bank consolidation can reduce SBI's market share.

2. The RBI's latest bank licenses can have an effect on operations.
3. Multinational banks with sophisticated goods
4. Government red tape and sluggish decisions often cause SBI operations to be interrupted.
Competitive Analysis -
Balance Sheet ------------------- in Rs. Cr. -------------------
SBI PNB Bank of Baroda Canara Bank
Mar '20 Mar '20 Mar '20 Mar '19
Capital and Liabilities:

Total Share Capital 892.46 1,347.51 925.37 753.24
Equity Share Capital 892.46 1,347.51 925.37 753.24
Share Application Money 0.00 0.00 0.00 0.00
Preference Share Capital 0.00 0.00 0.00 0.00
Reserves 226,405.00 57,770.16 75,178.92 30,487.82
Revaluation Reserves 23,762.67 4,758.69 0.00 6,448.17
Net Worth 251,060.13 63,876.36 76,104.29 37,689.23
Deposits 3,274,160.63 710,254.37 973,228.15 599,123.02
Borrowings 332,900.67 62,512.41 95,752.70 41,042.64
Total Debt 3,607,061.30 772,766.78 1,068,980.85 640,165.66
Other Liabilities & Provisions 331,427.10 14,453.42 54,470.82 33,260.04
Total Liabilities 4,189,548.53 851,096.56 1,199,555.96 711,114.93
SBI PNB Bank of Baroda Canara Bank
Mar '20 Mar '20 Mar '20 Mar '19
Assets
Cash & Balances with RBI 166,968.46 38,603.79 34,244.78 29,921.43
Balance with Banks, Money at Call 87,346.80 39,151.96 96,760.29 36,609.81
Advances 2,374,311.18 476,853.34 706,539.73 428,114.77
Investments 1,228,284.28 253,782.47 289,726.72 168,678.05
Gross Block 39,608.41 7,261.98 9,267.69 8,432.78
Accumulated Depreciation 0.00 0.00 0.00 0.00
Net Block 39,608.41 7,261.98 9,267.69 8,432.78
Capital Work In Progress 469.76 0.00 0.00 0.00
Other Assets 300,503.45 35,803.71 63,402.92 40,025.97
Total Assets 4,197,492.34 851,457.25 1,199,942.13 711,782.81
Contingent Liabilities 1,276,873.81 241,351.94 377,459.05 388,113.09

Bills for collection 0.00 0.00 0.00 0.00
Book Value (Rs) 254.69 87.74 164.71 414.75
Conclusion and way forward for the company – As SBI is the biggest commercial bank in
India. It has a very bright way forward As the youth start replacing and with the new ideas of
them and energy SBI can go very far and as mentioned above SBI has more strengths than
weakness and more opportunity than threats . SBI can use its Strengths and opportunity to
overcome the weakness and threats. SBI has also stars using the electronic systems to
operate and prompting the cashless methods This will help SBI to grow and remain the
biggest commercial bank of India and do not let the private banks overcome

Bank of Baroda

Uploaded by

Copyright:

Available Formats

Bank of Baroda

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Bank of Baroda

Uploaded by

Copyright:

Available Formats

RESEARCH INSIGHT-1

General Banking Functions:

Shareholding pattern of the company -

Holder's Name No of Shares % Share Holding

No. of Shares 8924611534 100%

Promoters 5079775288 56.92%

Foreign Institutions 865012258 9.69%

Banks Mutual Funds 1121072103 12.56%

Central government 17515911 0.2%

Others 87856022 0.98%

General Public 569954344 6.39%

Financial Institutions 1071806218 12.01%

Management of the company –

Strengths, Weaknesses, Opportunities & Threats (SWOT) analysis of the company:-

1. SBI is India's largest bank, with over 14000 branches.

Here are the weaknesses of State Bank of India (SBI):

1. SBI's market share growth is limited due to intense competition.

The threats of State Bank of India (SBI) are as mentioned:

1. Private bank consolidation can reduce SBI's market share.

Balance Sheet ------------------- in Rs. Cr. -------------------

SBI PNB Bank of Baroda Canara Bank

Mar '20 Mar '20 Mar '20 Mar '19

Capital and Liabilities:

Mar '20 Mar '20 Mar '20 Mar '19

Contingent Liabilities 1,276,873.81 241,351.94 377,459.05 388,113.09

You might also like