G H Raisoni Institute of Engineering & Technology, Nagpur

G H RAISONI INSTITUTE OF
ENGINEERING & TECHNOLOGY, NAGPUR

DEPARTMENT OF MASTER OF BUSINESS
ADMINISTRATION
Presentation on:
STATE BANK OF INDIA
Submitted by
ACHAL P. TUMANE
MBA 2ND YEAR (Sem 3rd )
BANKING
Banking regulation Act of India, 1949
defines Banking as “accepting, for the purpose
of lending or of investment of deposits of
money from the public, repayable on demand
or otherwise or withdrawable by cheque, draft
order or otherwise”. The Reserve Bank of India
Act, 1934 and the banking regulation Act, 1949,
govern the banking operation in India.
INTRODUCTION OF SBI BANK
 State bank of India (SBI), With a 200 year history is the
largest commercial bank in India.
 In terms of assets, deposits, profits, branches, customers
and employees SBI is largest bank.
 The government of India is the single largest shareholder of
this fortune 500 entity with 61.58% ownership.
 SBI is ranked 60th in the list of top 1000 banks in the world
by “The Banker” in July 2012.
History of SBI
 The roots of the state bank of India lie in the first decade of
19th century, when the Bank of Calcutta, later renamed the
Bank of Bengal, was established on 2 June 1806. the Bank
of Bengal was one of three presidency banks, the other two
being the Bank of Bombay (incorporated on 15 April 1804)
and the Bank of Madras (incorporated on 1 July 1843) all
three presidency banks were incorporated as joint stock
companies and were the result of the royal charters. These
three banks received the exclusive right to issue paper
currency till 1861 when with the paper currency act, the
right was taken over by the government of India.
Pursuant to the provisions of the State Bank of India
Act of 1955, the Reserve Bank of India, which is
India’s central bank, acquired a controlling interest in
the Imperial bank of India. On 1 July 1955, the
Imperial bank of India became the State Bank of India.
In 2008 the government of India acquired the reserve
bank of India’s stake in SBI so as to remove any
conflict of interest because the RBI is the country’s
banking regulatory authority
Vision & mission
Our vision……
 A pioneering, apolitical and responsive officers
union movement with enlightened values,
committed cadre, inspiringly led, ever at the
focused service of the members, the bank and the
community at large.
Our mission……
 To carry the torch of an exemplary SBI officers union movement;
 Ever alive to uniting, protecting, securing and satisfying the
committed and enthused members;
 Ever facilitating the growth and development of quality bank
professionals;
 Ever offering trusteeship role in meeting the challenges of SBI in the
face of changing economic scenario;
 Ever trusting in continuous search, improvement and education with
a concern for all that is noble, just and praiseworthy in our
movement, bank and nation.
Branches
SBI had 14,816 branches in India, as on 31 march
2013, of which 9,851 (66%) were in Rural and semi-
urban areas. In the financial year 2012-13, its
revenue was INR 200,560 Crores (US$ 36.9 billon),
out of which domestic operations contributed to
95.35% of revenue. Similarly, domestic operation
contributed to 88.37% of total profits for the same
financial year.
Employees:
SBI is one of the largest employers in the country having 222,033
employees as on 31 march 2014, out of which there were 45,132 female
employees (20%) and 2,610(1%) employees with disabilities. On the
same date, SBI had 42,744 schedule caste (19%) and 17,243 schedule
tribe (8%) employees. The percentage of officers, assistants and sub-
staff was 36% , 46% and 18% respectively on the same date hiring drive.
1,776 assistants and 1,394 officers joined the bank in FY 2013-14, for
expansion of the branch network and to mitigate staff shortage,
particularly at rural and semi-urban branches.
Directors:
 There are 13 directors in its central board.
 Mrs. Arundhati bhattacharya is the chairman.
 Shri B. Sriram is the managing director of S.B.I
Associated banks
State bank of Bikaner & Jaipur
State bank of Hyderabad
State bank of Indore
State bank of Mysore
State bank of Patiala
State bank of Saurashtra
State bank of Travancore
Bank of Cochin
Non-banking subsidiaries
 SBI Capital markets Ltd.
 SBI funds management Pvt. Ltd.
 SBI Factors & commercial services Pvt. Ltd.
 SBI cards & payments service Pvt. Ltd. (SBICPSL)
 SBI DFHI Ltd.
 SBI life Insurance company Ltd.
 SBI General Insurance
Functions of SBI
 State bank of India acts as an agent of Reserve bank of India. AND
also performs the following functions.
 Bank borrow the money from public by accepting deposits.
 It lends money to merchants and manufactures for short period.
 Bank acts as banker’s bank. Bank provides loans to the commercial
bank when required.
 Bank also act as the clearing house of commercial bank.
 SBI bank also act as Reserve bank of India. Because the bank maintain
the treasuries of the state government.
 It also purchases and sells of securities on behalf of its customers.
Services:
 Domestic Treasury
 E-Rail
 E-pay
 Safe deposit locker
 Internet banking
 ATM Services
 Broking service
Competitors:
Punjab national Bank
ICICI Bank
HDFC Bank
Bank of Baroda
International presence:
 The bank has 52 branches, 131 foreign office in 32
countries.
 It has branches in Los Angles, Maldives, Muscat, New York,
Osaka, Sydney, and London.
 In Nepal SBI OWNS 50% OF Nepal SBI Bank
 In Moscow SBI owns 60% OF Commercial of India.
Logo and slogan:
The logo of the state bank of India is a blue circle with a small
cut in the bottam that depicts perfection and the small man
the common man-being the center of the bank’s business.
The logo came from national institute of design(NID),
Ahmedabad and it was inspired by Kankaria lake.
Slogans: “PURS BANKING, NOTHING ELSE”, “WITH YOU – ALL
THE WAY”, “A BANK OF THE COMMON MAN”, “THE BANKER
TO EVERY INDIAN”, “THE NATION BANKS ON US”.
Types of deposit schemes
 Savings bank accounts
 Current account
 Recurring deposit
 Term deposit/ fixed deposit / time deposit
Features of SBI:
• It is India’s largest bank in term of assets, net earnings, and number
of branches , market capitalization and market share.
• It has a vast distribution network of over 21,500 branches in India
and 172 overseas office in 37 countries.
• SBI is preferred vehicle of the government of India for raising funds
aboard by way of NRI bonds millennium deposit.
• It is also positioned to leverage the resurgence in the Indian
economy.
• Five associate banks (Abs) considered together are the second largest
bank in the country.
Principle of SBI:
 Safety
 Liquidity
 Profitability
 Purpose of loan
 Principle of diversification of risk
Investment Banking
An investment bank is a financial institution that

assists corporations and governments in raising
capital by underwriting and acting as the agent in
the issuance of securities.
Retail Banking
 Retail banking refers to banking in which banking
institutions execute transactions directly with consumers,
rather than corporations or other banks. Services offered
include: savings and checking accounts, mortgages,
personal loans, debit cards, credit card, and so forth.
Commercial Banking
 It is a type of financial intermediary and a type of bank.
Commercial banking is also known as business banking. It is
a bank that provides checking accounts, saving accounts ,
and money market accounts and that accepts time
deposits.
Private banking
 Private banking is a term for banking, investment and other
financial services provided by banks to private individuals
investing sizable assets. The term “private” refers to the
customer services being rendered on a more personal basis
than in mass market retail banking, usually via dedicated
bank advisers.
Asset management
Asset management is the professional management
of various securities and assets, to meet specified
investment goals for the benefits of the investors.
Investors may be institution or private investors.
Achievements:
• SBI was ranked as the top bank in India based on tier 1
capital by the banker magazine in a 2014 ranking.
• SBI was ranked 298th in the fortune global 500 ranking of
the world’s biggest corporation for the year 2012.
• SBI was 50th most trusted brand in India as per the brand
trust report.
• SBI got India’s most ethical companies award-2013.
• Asian green future leadership award 2013.

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An investment bank is a financial institution that

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