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A project report on awareness level of personal banking products of sbi bank

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A project report on awareness level of personal banking products of sbi bank

A project report on awareness level of personal banking products of sbi bank

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  • 1. CONTENTSSL. NO PARTICUALARS PAGE .NO 1 EXECUTIVE SUMMARY 1-3 2 INTRODUCTION TO THE STUDY 4 3 BANKING INDUSTRY OVERVIEW 5-14 4 NEED FOR THE STUDY 15 5 ORGANIZATION PROFILE 16-22 6 PERSONAL BANKING SCENARIO 23-25 7 SBI’S PERSONAL BANKING 26-51 8 OBJECTIVES OF THE STUDY 52 9 METHODOLOGY 53 10 ANALYSIS OF THE STUDY 54-78 11 FINDINGS 79-80 12 RECOMMENDATIONS 81 13 CONCLUSION 82 ANNEXURE:- 14 83-84 QUESTIONNAIRE 15 CODE SHEET 85-86 16 BIBILOGRAPHY 87
  • 2. Awareness Level of Personal Banking Products of SBI Bank EXECUTIVE SUMMARYThe Banking Industry Profile is-Banking in India has its origin as carry as the Vedic period. It is believed that the transitionfrom money lending to banking must have occurred even before Manu, the great Hindu jurist,who has devoted a section of his work to deposits and advances and laid down rules relatingto the interest. During the mogal period, the indigenous bankers played a very important rolein lending money and financing foreign trade and commerce. During the days of East IndiaCompany, it was to turn of the agency houses top carry on the banking business. The generalbank of India was the first joint stock bank to be established in the year 1786.The others thatfollowed were the Bank of Hindustan and the Bengal Bank. The Bank of Hindustan isreported to have continued till 1906, while the other two failed in the meantime. After the second phase of financial sector reforms and liberalization of the sector in theearly nineties, the PSB’s found it extremely difficult to complete with the new private sectorbanks and the foreign banks. The new private sector first made their appearance after theguidelines permitting them were issued in January 1993.The Organization Profile is-Not only many financial institution in the world today can claim the antiquity and majesty ofthe State Bank Of India founded nearly two centuries ago with primarily intent of impartingstability to the money market, the bank from its inception mobilized funds for supportingboth the public credit of the companies governments in the three presidencies of British Indiaand the private credit of the European and India merchants from about 1860s when the Indianeconomy book a significant leap forward under the impulse of quickened worldcommunications and ingenious method of industrial and agricultural production the Bankbecame intimately in valued in the financing of practically and mining activity of the Sub-Continent Although large European and Indian merchants and manufacturers wereundoubtedly thee principal beneficiaries, the small man never ignored loans as low as Rs.100were disbursed in agricultural districts against glad ornaments. A highly efficient and experienced management functioning in a well-definedorganizational structure did not take long to place the bank an executed pedestal in the areasof business, profitability, internal discipline and above all credibility Babasabpatilfreepptmba.com 2
  • 3. Awareness Level of Personal Banking Products of SBI BankThe Objectives are-  To Know The Customer Preference Towards Different Products Of SBI.  To Know the Perception of Customers towards SBI’s Personal Banking Products.  To know the awareness level of customers towards SBI’s facilities.The Need for the Study is-The Indian Banking industry comprises segments that provide comprehensive bankingservices to individuals, corporate and small business. Industry segments are Public SectorBanks, Private Sector Bank and Foreign Banks. In this Project the report is mainly focused on Awareness Level of Personal BankingProducts of SBI.The Data Collection Method is-To fulfill the objectives of my study, I have taken both into considerations viz primary &secondary data.Primary data: Primary data has been collected through personal interview by direct contactmethod. The method, which was adopted to collect the information, is ‘Personal Interview’method by using questionnaire. Personal interview and discussion was made with managerand other personnel in the organization for this purpose.Secondary data: The data is collected from the Internet, Textbooks.The various sources that were used for the collection of secondary data are o Websites – www.SBI.com o Www.google.com.Sample size: • Samples of 100 customers of the bank were chosen for the purpose of study.Sampling Method: Random Sampling Method • From the large number of account holder’s of the bank, 100 customers were selected randomly from the bank’s database were considered for the study. Babasabpatilfreepptmba.com 3
  • 4. Awareness Level of Personal Banking Products of SBI BankThe Findings are-  Among the respondent 99% said they wish to transact or deal with persona ling products of SBI bank and 1% of them said don’t want to open account.  The SBI customer Rank the SBI products as shown in the above chart. 26% of them say the PERSONAL products of SBI are good, 50% rank them as Best, and 3% rank it as Moderate and remaining 1% rank them as poor.  There are 14% of the customers who are using On-Line Banking weekly and 5% of them are using monthly.The Recommendations are- 1) The costumers are aware of only few products of SBI Personal banking products. So bank should provide the information regarding the availability of the products. 2) Disbursement of loans should be quickly done as and when required. 3) There are many People who don’t know about On-Line Banking, so bank should help to know about the operations and facilities.The Conclusion is-Most of the customers are aware of few SBI personal banking products like Home Loan,Savings Account, Education loan and they are not aware of products like Loan against Shares& Debentures, Loan against Mortgage of Property. So the bank should help the customers toknow about such products, which they are less aware. They are satisfied on the interest ofPersonal banking products. Babasabpatilfreepptmba.com 4
  • 5. Awareness Level of Personal Banking Products of SBI Bank INTRODUCTION TO THE STUDYThe Indian economic is growing. There are various factors contributing for the developmentof economy. One of the industries, which have revolutnalise the economy, is banking.Change in the IT & faster growth has changed the banking operations to a great extent.Banking operations have led to a great development of economy & meeting customer’sneeds. Among various sectors that bank is involved, Personal Banking is one area that haschanged gradually in meeting dynamic needs of customers.TITLE OF THE PROJECT“Awareness Level of Personal Banking Products of SBI Bank”Organization: STATE BANK OF INDIA, RANEBENNURBACKGROUND OF PROJECT TOPICI have undertaken my study in area of Personal Banking in order to get the basicunderstanding of banking operations especially Personal Banking. As Personal Bankingactivity has been changing & very completive in nature in meeting needs of customers. Statebank has been focus on Personal Banking. The idea of undertaking this project is tounderstand the customer’s present expectation from bank & even to know their perceptionabout Personal Banking in this competitive banking scenario. The project title is Awareness Level of Personal Banking Products of SBI Bank, Ranebennur. Babasabpatilfreepptmba.com 5
  • 6. Awareness Level of Personal Banking Products of SBI Bank BANKING INDUSTRY OVERVIEWHistory:Banking in India has its origin as carry as the Vedic period. It is believed that the transitionfrom money lending to banking must have occurred even before Manu, the great Hindu jurist,who has devoted a section of his work to deposits and advances and laid down rules relatingto the interest. During the mogal period, the indigenous bankers played a very important rolein lending money and financing foreign trade and commerce. During the days of East IndiaCompany, it was to turn of the agency houses top carry on the banking business. The generalbank of India was the first joint stock bank to be established in the year 1786.The others,which followed, were the Bank of Hindustan and the Bengal Bank. The Bank of Hindustan isreported to have continued till 1906, while the other two failed in the meantime. In the firsthalf of the 19th Century the East India Company established three banks; The Bank of Bengalin 1809, The Bank of Bombay in 1840 and The Bank of Madras in 1843.These three banksalso known as presidency banks and were independent units and functioned well. These threebanks were amalgamated in 1920 and The Imperial Bank of India was established on the 27 thJan 1921, with the passing of the SBI Act in 1955, the undertaking of The Imperial Bank ofIndia was taken over by the newly constituted SBI. The Reserve Bank which is the CentralBank was created in 1935 by passing of RBI Act 1934, in the wake of swadeshi movement, anumber of banks with Indian Management were established in the country namely PunjabNational Bank Ltd, Bank of India Ltd, Canara Bank Ltd, Indian Bank Ltd, The Bank ofBaroda Ltd.The Central Bank of India Ltd .On July 19th 1969, 14 Major Banks of the country were Babasabpatilfreepptmba.com 6
  • 7. Awareness Level of Personal Banking Products of SBI Banknationalized and in 15th April 1980 six more commercial private sector banks were also takenover by the government. The Indian Banking industry, which is governed by the BankingRegulation Act of India 1949, can be broadly classified into two major categories, non-scheduled banks and scheduled banks. Scheduled Banks comprise commercial banks and theco-operative banks.The first phase of financial reforms resulted in the nationalization of 14 major banks in 1969and resulted in a shift from class banking to mass banking. This in turn resulted in thesignificant growth in the geographical coverage of banks. Every bank had to earmark a minPercentage of their loan portfolio to sectors identified as “priority sectors” the manufacturingsector also grew during the 1970’s in protected environments and the banking sector was acritical source. The next wave of reforms saw the nationalization of 6 more commercialbanks in 1980 since then the number of scheduled commercial banks increased four- fold andthe number of bank branches increased to eight fold. After the second phase of financialsector reforms and liberalization of the sector in the early nineties, the PSB’s found itextremely difficult to complete with the new private sector banks and the foreign banks. Thenew private sector first made their appearance after the guidelines permitting them wereissued in January 1993.The Indian Banking System:Banking in our country is already witnessing the sea changes as the banking sector seeks newtechnology and its applications. The best port is that the benefits are beginning to reach themasses. Earlier this domain was the preserve of very few organizations. Foreign banks withheavy investments in technology started giving some “Out of the world” customer services.But, such services were available only to selected few- the very large account holders. Thencame the liberalization and with it a multitude of private banks, a large segment of the urbanpopulation now requires minimal time and space for its banking needs.Automated teller machines or popularly known as ATM are the three alphabets that havechanged the concept of banking like nothing before. Instead of tellers handling your owncash, today there are efficient machines that don’t talk but just dispense cash. Under theReserve Bank of India Act 1934, banks are classified as scheduled banks and non-scheduledbanks.The scheduled banks are those, which are entered in the Second Schedule of RBI Act, 1934. Babasabpatilfreepptmba.com 7
  • 8. Awareness Level of Personal Banking Products of SBI BankSuch banks are those, which have paid- up capital and reserves of an aggregate value of notless then Rs.5 lacks and which satisfy RBI that their affairs are carried out in the interest oftheir depositors. All commercial banks Indian and Foreign, regional rural banks and state co-operative banks are Scheduled banks. Non Scheduled banks are those, which have not beenincluded in the Second Schedule of the RBI Act, 1934.The organized banking system in Indiacan be broadly classified into three categories: (i) Commercial Banks (ii) Regional RuralBanks and (iii) Co-operative banks. The Reserve Bank of India is the supreme monetary andbanking authority in the country and has the responsibility to control the banking system inthe country. It keeps the reserves of all commercial banks and hence is known as the“Reserve Bank”.Current scenario:Currently (2009), the overall banking in India is considered as fairly mature in terms ofsupply, product range and reach - even though reach in rural India still remains a challengefor the private sector and foreign banks. Even in terms of quality of assets and Capitaladequacy, Indian banks are considered to have clean, strong and transparent balance sheets -as compared to other banks in comparable economies in its region. The Reserve Bank ofIndia is an autonomous body, with minimal pressure from the Government With the growthin the Indian economy expected to be strong for quite some time especially in its servicessector, the demand for banking services especially personal banking, mortgages andinvestment services are expected to be strong. Mergers & Acquisitions., takeovers, are muchmore in action in India. One of the classical economic functions of the banking industry thathas remained virtually unchanged over the centuries is lending. On the one hand, competitionhas had considerable adverse impact on the margins, which lenders have enjoyed, but on theother hand technology has to some extent reduced the cost of delivery of various productsand services. Bank is a financial institution that borrows money from the public and lendsmoney to the public for productive purposes. The Indian Banking Regulation Act of 1949defines the term Banking Company as "Any company which transacts banking business inIndia" and the term banking as "Accepting for the purpose of lending all investment ofdeposits, of money from the public, repayable on demand or otherwise and withdrawalby cheque, draft or otherwise".Banks play important role in economic development of a country, like: Babasabpatilfreepptmba.com 8
  • 9. Awareness Level of Personal Banking Products of SBI Bank• Banks mobilise the small savings of the people and make them available for productive purposes.• Promotes the habit of savings among the people thereby offering attractive rates of interests on their deposits.• Provides safety and security to the surplus money of the depositors and as well provides a convenient and economical method of payment.• Banks provide convenient means of transfer of fund from one place to another.• Helps the movement of capital from regions where it is not very useful to regions where it can be more useful.• Banks advances exposure in trade and commerce, industry and agriculture by knowing their financial requirements and prospects.• Bank acts as an intermediary between the depositors and the investors. Bank also acts as mediator between exporter and importer who does foreign trades.Thus Indian banking has come from a long way from being a sleepy business institution to ahighly pro-active and dynamic entity. This transformation has been largely brought about bythe large dose of liberalization and economic reforms that allowed banks to explore newbusiness opportunities rather than generating revenues from conventional streams (i.e.borrowing and lending). The banking in India is highly fragmented with 30 banking unitscontributing to almost 100% of deposits and 60% of advances. Babasabpatilfreepptmba.com 9
  • 10. Awareness Level of Personal Banking Products of SBI Bank The Structure of Indian Banking: The Indian banking industry has Reserve Bank of India as its Regulatory Authority. This is a mix of the Public sector, Private sector, Co-operative banks and foreign banks. The private sector banks are again split into old banks and new banks. Reserve Bank of India [Central Bank] Scheduled Banks Scheduled Scheduled Co-operative Banks Commercial Banks Public Sector Private Sector Foreign Regional Banks Banks Banks Rural BanksNationalized SBI & its Scheduled Urban Scheduled State Banks Associates Co-Operative Co-Operative Banks Banks Old Private New Private Sector Banks Sector Banks Babasabpatilfreepptmba.com 10
  • 11. Awareness Level of Personal Banking Products of SBI BankChart Showing Three Different Sectors of Banks: i) Public Sector Banks ii) Private Sector BanksPublic Sector Banks SBI and Nationalized Regional Rural SUBSIDIARIES Banks BanksSBI and Subsidiaries: This group comprises of the State Bank of India and its seven subsidiaries viz., StateBank of Patiala, State Bank of Hyderabad, State Bank of Travancore, and State Bank ofBikaner and Jaipur, State Bank of Mysore, State Bank of Saurashtra, State Bank of India State Bank of India (SBI) is the largest bank in India. If one measures by the numberof branch offices and employees, SBI is the largest bank in the world. Established in 1806asBank of Bengal it is the oldest commercial bank in the Indian subcontinent. SBI providesvarious domestic, international and NRI products and services, through its vast network inIndia and overseas. With an asset base of $126 billion and its reach, it is a regional bankingbehemoth. The government nationalized the bank in1955, with the Reserve bank of Indiataking a 60% ownership stake. In recent years the bank has focused on two priorities, 1),reducing its huge staff through Golden handshake schemes known as the VoluntaryRetirement Scheme, which saw many of its best and brightest defects to the private sector,and 2), computerizing its operations.The State Bank of India traces its roots to the first decade of19th century, when the Bank ofCalcutta, later renamed the Bank of Bengal, was established on 2 jun 1806. The governmentamalgamated Bank of Bengal and two other Presidency banks, namely, the Bank of Bombayand the bank of Madras, and named the reorganized banking entity the Imperial Bank ofIndia. All these Presidency banks were incorporated as companies, and were the result of theroyal charters. The Imperial Bank of India continued to remain a joint stock company. Until the establishment of a central bank in India the Imperial Bank and its earlypredecessors served as the nations central bank printing currency. The State Bank of India Babasabpatilfreepptmba.com 11
  • 12. Awareness Level of Personal Banking Products of SBI BankAct 1955, enacted by the parliament of India, authorized the Reserve Bank of India, which isthe central Banking Organizational India, to acquire a controlling interest in the ImperialBank of India, which was renamed the State Bank of India on30th April 1955.In recent years,the bank has sought to expand its overseas operations by buying foreign banks. It is the onlyIndian bank to feature in the top 100 world banks in the Fortune Global 1000 rating andvarious other rankings. According to the Forbes 2000 listing it tops all Indian companies.Nationalized banks:This group consists of private sector banks that were nationalized. The Government of Indianationalized 14 private banks in 1969 and another 6 in the year 1980. In early 1993, therewere 28 nationalized banks i.e., SBI and its 7 subsidiaries plus 20 nationalized banks. In1993, the loss making new bank of India was merged with profit making Punjab NationalBank. Hence, now only 27 nationalized banks exist in India.Regional Rural banks:The RBI established these in the year 1975 of banking commission. It was established tooperate exclusively in rural areas to provide credit and other facilities to small and marginalfarmers, agricultural laborers, artisans and small entrepreneurs.Private Sector Banks Private Sector Banks Old private new private Sector Banks Sector BanksOld Private Sector Banks:This group consists of the banks that were establishes by the privy sectors, committeeorganizations or by group of professionals for the cause of economic betterment in their Babasabpatilfreepptmba.com 12
  • 13. Awareness Level of Personal Banking Products of SBI Bankoperations. Initially, their operations were concentrated in a few regional areas. However,their branches slowly spread throughout the nation as they grow.New private Sector Banks:These banks were started as profit orient companies after the RBI opened the banking sectorto the private sector. These banks are mostly technology driven and better managed thanother banks.IMPORTANCE OF BANKING SECTOR IN A GROWING ECONOMYIn the recent times when the service industry is attaining greater importance compared tomanufacturing industry, banking has evolved as a prime sector providing financial services togrowing needs of the economy.Banking industry has undergone a paradigm shift from providing ordinary banking servicesin the past to providing such complicated and crucial services like, merchant banking,housing finance, bill discounting etc. This sector has become more active with the entry ofnew players like private and foreign banks. It has also evolved as a prime builder of theeconomy by understanding the needs of the same and encouraging the development by wayof giving loans, providing infrastructure facilities and financing activities for the promotionof entrepreneurs and other business establishments.For a fast developing economy like ours, presence of a sound financial system to mobilizeand allocate savings of the public towards productive activities is necessary. Commercialbanks play a crucial role in this regard.The Banking sector in recent years has incorporated new products in their businesses, whichare helpful for growth. The banks have started to provide fee-based services like, treasury operations, managingderivatives, options and futures, acting as bankers to the industry during the public offering,providing consultancy services, acting as an intermediary between two-business entities etc.At the same time, the banks are reaching out to other end of customer requirements like,insurance premium payment, tax payment etc. It has changed itself from transaction type ofbanking into relationship banking, where you find friendly and quick service suited to your Babasabpatilfreepptmba.com 13
  • 14. Awareness Level of Personal Banking Products of SBI Bankneeds. This is possible with understanding the customer needs, their value to the bank, etc.This is possible with the help of well-organized staff, computer based network for speedytransactions, products like credit card, debit card, health card, ATM etc. These are the presenttrend of services.SBI GroupThe Bank of Bengal, which later became the State Bank of India. State Bank of India with itsseven associate banks commands the largest banking resources in India.NationalizationThe next significant milestone in Indian Banking happened in late 1960s when the then IndiraGandhi government nationalized on 19th July 1949, 14 major commercial Indian banksfollowed by nationalization of 6 more commercial Indian banks in 1980.The stated reason for the nationalization was more control of credit delivery. After this, until1990s, the nationalized banks grew at a leisurely pace of around 4% also called as the Hindugrowth of the Indian economy. After the amalgamation of New Bank of India with PunjabNational Bank, currently there are 19 nationalized banks in India.Liberalization In the early 1990’s the then Narasimha rao government embarked a policy ofliberalization and gave licenses to a small number of private banks, which came to be knownas New generation tech-savvy banks, which included banks like ICICI and HDFC. This movealong with the rapid growth of the economy of India, kick started the banking sector in India,which has seen rapid growth with strong contribution from all the sectors of banks, namelyGovernment banks, Private Banks and Foreign banks.However there had been a few hiccups for these new banks with many either being takenover like Global Trust Bank while others like Centurion Bank have found the going tough.The next stage for the Indian Banking has been set up with the proposed relaxation in thenorms for Foreign Direct Investment, where all Foreign Investors in Banks may be givenvoting rights which could exceed the present cap of 10%, at present it has gone up to 49%with some restrictions. Babasabpatilfreepptmba.com 14
  • 15. Awareness Level of Personal Banking Products of SBI BankThe new policy shook the Banking sector in India completely. Bankers, till this time, wereused to the 4-6-4 method (Borrow at 4%; Lend at 6%; Go home at 4) of functioning. The newWave ushered in a modern outlook and tech-savvy methods of working for traditional banks.All this led to the PERSONAL boom in India. People not just demanded more from theirbanks but also received more. NEED FOR THE STUDY Babasabpatilfreepptmba.com 15
  • 16. Awareness Level of Personal Banking Products of SBI Bank The Indian Banking industry comprises segments that provide comprehensivebanking services to individuals, corporate and small business. Industry segments are PublicSector Banks, Private Sector Bank and Foreign Banks. In this Project the report is mainly focused on Awareness Level of PersonalBanking Products of SBI.The Current Trends -  Studying the personal banking products.  The SBI customers are satisfied for using the SBI personal products of SBI Bank.  Understanding the perception of customers about personal banking.  To know the benefits to customers from SBI personal banking products. ORGANIZATION PROFILE Babasabpatilfreepptmba.com 16
  • 17. Awareness Level of Personal Banking Products of SBI BankSTATE BANK OF INDIANot only many financial institution in the world today can claim the antiquity and majesty ofthe State Bank Of India founded nearly two centuries ago with primarily intent of impartingstability to the money market, the bank from its inception mobilized funds for supportingboth the public credit of the companies governments in the three presidencies of British Indiaand the private credit of the European and India merchants from about 1860s when the Indianeconomy book a significant leap forward under the impulse of quickened worldcommunications and ingenious method of industrial and agricultural production the Bankbecame intimately in valued in the financing of practically and mining activity of the Sub-Continent Although large European and Indian merchants and manufacturers wereundoubtedly thee principal beneficiaries, the small man never ignored loans as low as Rs.100were disbursed in agricultural districts against glad ornaments, added to these the bank till thecreation of the Reserve Bank in 1935 carried out numerous Central – Banking functions.Adaptation world and the needs of the hour has been one of the strengths of the Bank, in thepost depression exe. For instance – when business opportunities become extremely restricted,rules laid down in the book of instructions were relined to ensure that good business did notgo post. Yet seldom did the bank contravene its value as depart from sound bankingprinciples to retain as expand its business. An innovative array of office, unknown to theworld then, was devised in the form of branches, sub branches, treasury pay office, payoffice, sub pay office and out students to exploit the opportunities of an expanding economy.New business strategy was also evaded way back in 1937 to render the best banking servicethrough prompt and courteous attention to customers. A highly efficient and experienced management functioning in a well defined organizationalstructure did not take long to place the bank an executed pedestal in the areas of business, Babasabpatilfreepptmba.com 17
  • 18. Awareness Level of Personal Banking Products of SBI Bankprofitability, internal discipline and above all credibility A impeccable financial statusconsistent maintenance of the lofty traditions if banking an observation of a high Standard ofintegrity in its operations helped the bank gain a pre- eminent status. No wonders theadministration for the bank was universal as key functionaries of India successive financeminister of independent India Resource Bank of governors and representatives of chamber ofcommercial showered economics on it.Modern day management techniques were also very much evident in the good old day’s yearsbefore corporate governance had become a puzzled the banks bound functioned with a highdegree of responsibility and concerns for the shareholders. An unbroken record of profits anda fairly high rate of profit and fairly high rate of dividend all through ensured satisfaction;prudential management and asset liability management not only protected the interests of theBank but also ensured that the obligations to customers were not met. The traditions of thepast continued to be upheld even to this day as the State Bank years it to meet the emergingchallenges of the millennium ABOUT LOGO THE PLACE TO SHARE THE NEWS ...…… SHARE THE VIEWS ……Togetherness is the theme of this corporate loge of SBI where the world of banking servicesmeets the ever-changing customer’s needs and establishes a link that is like a circle, itindicates complete services towards customers. The logo also denotes a bank that it hasprepared to do anything to go to any lengths, for customers. The blue pointer represent thephilosophy of the bank that is always looking for the growth and newer, more challenging,more promising direction. The keyhole indicates safety and security. LOGO Babasabpatilfreepptmba.com 18
  • 19. Awareness Level of Personal Banking Products of SBI Bank THE PLACE TO SHARE THE NEWS ...…… SHARE THE VIEWS ……MISSION, VISION AND VALUESMISSION STATEMENT:To retain the Bank’s position as premiere Indian Financial Service Group, with world classstandards and significant global committed to excellence in customer, shareholder andemployee satisfaction and to play a leading role in expanding and diversifying financialservice sectors while containing emphasis on its development banking rule.VISION STATEMENT: Babasabpatilfreepptmba.com 19
  • 20. Awareness Level of Personal Banking Products of SBI Bank ♦ Premier Indian financial service group with prospective world-class standards of efficiency ♦ Retain its position in the country as pioneers in Development banking. ♦ Maximize the shareholders value through high-sustained earnings per Share.VALUES: ♦ Excellence in customer service ♦ Profit orientation ♦ Belonging commitment to Bank ♦ Fairness in all dealings and relations ♦ Risk taking and innovative ♦ Team playingORGANIZATION:Basically an organization is a group of people intentionally organized to accomplish anoverall, common goal or set of goals. Business organizations can range in size from twopeople to tens of thousands. There are several important aspects to consider about the goal ofthe business organization. These features are explicit (deliberate and recognized) or implicit(operating unrecognized, "behind the scenes"). Ideally, these features are carefully consideredand established, usually during the strategic planning process. (Later, well considerdimensions and concepts that are common to organizations.)Types of organizationa. Formal organization.b. Informal organization.a. Formal organization:The formal organization or group exists in all organization. It is a group of the peopleworking together in all co-operations under the authority towards common goal, objectivesfor the mutual benefit of the participants. The formal groups are created to carry out somespecific work to meet some goals of the organizationb. Informal Organization: Babasabpatilfreepptmba.com 20
  • 21. Awareness Level of Personal Banking Products of SBI Bank The informal organization refers to relationship between peoples in the organizationbased not on procedure and regulation laid down in the organization but on the personalattitude friendship or some common interest which may or may not be work related informalorganization.Departmentation:Departmentation is the process of dividing and grouping the activities of an enterprise in thevarious units for the purpose of administration. The units for the purpose of administration.the units are designated as departments’ division sector or branches. Departmentation facilitates the benefits of specialization. It aims at achieving units ofdirecting, co-operation, co-ordination, control and effective communication. It leads toeffective performance of activities of the enterprise ORGANISATION STRUCTURE MANAGING DIRECTOR CHIEF GENERAL MANAGERG. M G.M G. M G. M G. M(Operations) (C&B) (F&S) (I) & CVO (P&D)Zonal officers Functional HeadsRegional officersOUR BUREAU Babasabpatilfreepptmba.com 21
  • 22. Awareness Level of Personal Banking Products of SBI BankMR O.P. BHATTSBI ChairmanMumbai, June 30Mr. O.P. Bhatt, Managing Director, State Bank of India has been appointed Chairman of thebank. The five-year term of Mr. Bhatt will expire in March 2011. His will be the longesttenure as SBI chairman in the recent past.Mr. Bhatt took charge as the Managing Director, in-charge of national banking at SBI inApril. Prior to this he was the MD, State Bank of Travancore.Mr. T.S. Bhattacharya, the other SBI MD, was appointed as acting chairman, following theretirement of Mr. A.K. Purwar as chairman in May. However, Mr. Bhattacharya did not havea two-year residual service, necessary for the post of chairman.The announcement of Mr. Bhatts appointment came on Friday at the SBI annual generalmeeting in Mumbai.It was during his tenure as MD of SBI that the bank had implemented core-banking solutionin all its branches. Starting his career as a probationary officer in SBI in 1972, Mr. Bhatt heldseveral key assignments in the bank. He served as Managing Director of State Bank ofTravancore from January 2005 to April 2006.LIST OF DIRECTORS Babasabpatilfreepptmba.com 22
  • 23. Awareness Level of Personal Banking Products of SBI BankSl.no Name of Directors Sec. of SBI Act, 1955 1 Shri O.P. Bhatt 19(a) Chairman 2 Shri T.S. Bhattacharya 19 (b) MD & GE (CB) 3 Shri S.K. Bhattacharyya 19(b) MD & CC&RO 4 Shri Suman Kumar Bery 19(c) 5 Dr. Ashok Jhunjhunwala 19(c) 6 Shri Ananta Chandra Kalita 19(ca) 7 Shri Amar Pal 19(cb) 8 Shri Piyush Goyal 19(d) 9 Dr. DevaNand Balodhi 19(d) 10 19(d) Prof. Mohd. Salahuddin An sari 11 Shri Vinod Rai 19(e) 12 19(f) Smt. Shyamala Gopinath PERSONAL BANKING SCENARIO Babasabpatilfreepptmba.com 23
  • 24. Awareness Level of Personal Banking Products of SBI BankPersonal banking includes a comprehensive range of financial products viz. deposit products,residential mortgage loans, credit cards, auto finance, personal loans, consumer durable loans,loans against equity shares, loans for subscribing to initial public offers (IPO’s), debit cards,bill payment services, mutual funds, investment advisory services. These products provide anopportunity for banks to diversify the asset portfolio with high profitability and relatively lowNPAs. The categorization of Personal banking segment and have identified it as a principalgrowth driver. They are slowly gaining market share in the PERSONAL space.For several years, banks viewed consumer loans with skepticism. Commercial loansdominated the banks portfolio as they generate high net yields with low credit risk. Consumerloans in contrast involved smaller amounts, large staff to handle accounts and high defaultrates. The banks considered them substandard. Even the regulators across the globe have notencouraged consumer finance till very recently. However, over the past few years, fiercecompetition among the banks lowered the spreads and profitability on commercial loans.With deregulation and increase in consumer loan rates, the risk-adjusted returns inPERSONAL sector have exceeded the returns on commercial loans.The enormous competition has led to innovative Personal banking products that areextremely customer-friendly and plug the loopholes in the existing similar products.The growth in Personal banking has been facilitated by the growth in banking technology andautomation of banking processes that enable extension of reach and rationalization of costs.ATM’s have emerged as an alternative banking channel, which facilitate low cost transactionvis-à-vis traditional branches. It also has the advantage of reducing the branch traffic and enable banks with smallnetworks to upset the traditional disadvantages by increasing their reach and spread. The Personal banking industry is diverse and competitive. In addition, to checking andsavings account services, banks offer brokerage and insurance capabilities to manage all Babasabpatilfreepptmba.com 24
  • 25. Awareness Level of Personal Banking Products of SBI Bankaspects of a customer’s financial portfolio. Attracting profitable customers from competitorsis essential for long-term success. Personal banking has both pros and cons. In the presentsituation, the bankers have very little option, but to chant ‘PERSONAL mantra’. Banks todayface complex challenges on multiple fronts. Customer expectations are higher then ever, withgrowing demand for more rapid service delivery and more flexible, personalized interaction.PERSONAL BANKING IN INDIAThe stagnation in Indian economy has resulted in poor credit absorption both for long termfunding to big-ticket projects as well as working capital. The slow down could be attributedto lack of credit off-take by the industrial sector even as food credit continued to search. Thishas resulted in limited lending opportunities to banks. Major portion of the loans raised bycorporate were to replace the existing high cost funding and is more in the nature ofarbitraging on the interest rates with various banks. The loan products to corporate withStrong financial are now almost linked to prices of government securities- or mark up overgovernment paper, more over, big corporate are bypassing banks and rising money throughthe debt market and commercial papers, which are cheaper than bank credit. Therefore banksare being forced to look at the mid corporate. The tough macro economic environment,increasing risk profile and low yield indicate that corporate banking has entered the maturityface. To survive and prosper amid the rapid changes that continue to redefine financialservices market place, banks hitherto concentrating on corporate borrowers are embarkingnow on a strategy driven by Personal banking and fee based income in order to maintain assetgrowth and profitability. The ratio of non-interest income to total funds has already increasedfor some banks. Babasabpatilfreepptmba.com 25
  • 26. Awareness Level of Personal Banking Products of SBI BankThe critical success factors of banks, which are aggressively moving in the Personal bankingsegment are wider distribution network, low cost of funding, low intermediation (operating)costs, marketing capability, large product portfolio, cross-selling, proper credit appraisalmechanism/risk assessment procedures, high service levels in terms of faster loan processingand disbursement, flexible technology across banking platforms, multi-distribution channels,strong brand presence and good recovery mechanism. These success factors would ultimatelytransform into how well banks understand their customers and how effective they are inmeeting their new definition of access, convenience and value.GROWTH OF PERSONAL INDUSTRYThe income levels and employment opportunities for young persons have risen in the IT,ITES and BPO fields where salaries are generally higher by about 20 to 30%. According tothe officials of Standard Chartered Bank, the number of young people in the age of 20 to 24who join the workforce is around three million. With a large amount of disposable incomeand no financial commitments towards the family, they form a major chunk of customers forconsumer durables and FMCG. PERSONAL industry is the fastest growing industry in India,whose growth is attributed to ideal breeding ground in the form of huge market, risingincome levels, surplus disposable income, increasing awareness due to growth ofadvertisement and cable television channels and the entry of multinational brands. It isestimated that the PERSONAL market is about Rs 9, 00,000 cr and growing at a rate of 8.5%per annum. Based on market figures, it is estimated that the PERSONALING industry willgrow from 2 to 10% in the next five years added to this is the fact that growth in PERSONALindustry has increased employment opportunities in this field which in turn raises thedemand for PERSONAL and consumer goods. SBI’S PERSONAL BANKING Babasabpatilfreepptmba.com 26
  • 27. Awareness Level of Personal Banking Products of SBI BankState Bank of India offers a wide range of services in the Personal Banking Segment, whichare indexed here.Our products are designed with flexibility to suit your personal requirements. Enjoy 24-hourfacility through our ATMs - growing speedily it has crossed the 10000 mark Watch this spacefor more details. SBI Term Deposits SBI Loan For Pensioners SBI Recurring Deposits Loan Against Mortgage Of Property SBI Housing Loan Loan Against Shares & Debentures SBI Car Loan SBI Educational Loan SBI Personal Loan Medic-Plus Scheme Babasabpatilfreepptmba.com 27
  • 28. Awareness Level of Personal Banking Products of SBI BankTERM DEPOSITSNow you can earn a higher income on your surplus funds by investing those with us. Weprovide security, trust and competitive rate of interest.  Flexibility in period of term deposit from 7 days to 10 years.  Affordable Low Minimum Deposit Amount: You can open a term deposit with SBI for a nominal amount of Rs.1000/- only.  Please check our Interest Rates online or simply email through our Helpline.  Flexibility in choosing the amount you wish to invest and the maturity period.HIGHLIGHTSSafety - We understand the value of your hard earned money and continue to deliver on ourpromise of safety and security over 200 years.LiquidityLoan /overdraft facility: You can avail a loan/overdraft against your deposits provides youloan / overdraft up to 90% of your deposit amount at nominal cost. So you continue to earninterest in your deposit and still can meet your urgent financial requirements.Premature WithdrawalInterest to be charged on premature withdrawal of term deposits at 0.5% below the rateapplicable for the period deposit has remained with the Bank.  Transferability- Transfer of Term Deposits between our wide networks of branches without any charge.  Compounding / Flexible / Timely Payment of Interest - Under our Special Term Deposit Scheme, interest accrues in your account and gets compounded quarterly. Besides, we assure timely delivery of the proceeds of your deposit with interest, on maturity. Flexibility of payment on maturity through Cash (subject to prevalent Income Tax Act), Bankers Cheque, Credit in Savings Bank/Current account.  Term Deposits are available at all SBI Branches  Nomination Facility - Available.Automatic Renewals Babasabpatilfreepptmba.com 28
  • 29. Awareness Level of Personal Banking Products of SBI BankThere is no need for you to keep track of the maturity of your deposits. Your deposits with uswill be renewed automatically, post maturity. And you continue to earn interest for sameperiod as that of your matured deposit, at the interest rate prevailing at the time of maturity.Automatic renewals take place where there are no standing instructions for renewal.Flexibility to convert your Special Term Deposit to Term Deposit and vice versa  You can convert your special Term Deposit to a Term Deposit to receive monthly/quarterly interest payments to match your financial requirements.  You can also convert your Term Deposit to a Special Term Deposit, which provides compounded rate of interest to multiply your money faster.RECURRING DEPOSITWant to create a fund for your childrens education or marriage or to buy a car or for a dreamholiday? Whatever may be your financial goals, through our Recurring Deposit Scheme youcan save a little every month so that at the time of need you have sufficient funds to achieveyour financial goals. Recurring Deposit provides you the element of compulsion to save athigh rates of interest applicable to Term Deposits along with liquidity to access that savingsany time. So set aside a small amount every month and earn at compounded rates of interest.Wide Choice in Period of Deposit • Flexibility in period of deposit with maturity ranging from 12 months to 120 months. • Low minimum monthly deposit amount. • You can start a Recurring Deposit with SBI for a monthly instalment of Rs.100/- only.SBI Term Deposit Rates Apply • Check out our Interest Rates Online or simply email through our Helpline • Choose the amount you wish to invest and the maturity period.HIGHLIGHTS • Safety We understand the value of your hard earned money and continue to deliver on our promise of safety and security over two centuries. Babasabpatilfreepptmba.com 29
  • 30. Awareness Level of Personal Banking Products of SBI Bank • Liquidity Loan /overdraft facility: You can avail a loan/overdraft against your deposits provides you loan / overdraft up to 90% of your deposit amount at nominal cost. So you continue to earn interest in your deposit and still can meet your urgent financial requirements. • Transferability Transfer of Recurring Deposit accounts between our wide networks of branches without any charge. • Regular Instalments to your Account Now you have motivation/compulsion to save a chosen amount every month and create a fund, which helps you to meet your future financial needs. • Recurring Deposits are available at all SBI Branches • Easy and convenient access of information at SBI Internet BankingOther Benefits  Nomination Facility – Available  Regular Instalments to your Account –Save in your account through Fixed Monthly Instalments. –Monthly Instalments can be deposited on any working day of the month. –Delayed monthly instalments attract penalty. –Instalments payable in multiples of Rs.10/-Free Fund Transfer & Regular UpdatesFree transfer of your funds through standing instructions from your Current or Savings BankAccount to your Recurring Deposit Account every month for the payment of yourinstalments, so that you do not have to worry about regular payments. You can monitor yourdeposit through SBI Internet Banking or through a passbook issued to you. Babasabpatilfreepptmba.com 30
  • 31. Awareness Level of Personal Banking Products of SBI BankSBI HOME LOANS"THE MOST PREFERRED HOME LOAN PROVIDER" voted in AWAAZ ConsumerAwards along with the MOST PREFERRED BANK AWARD in a survey conducted byTV 18 in association with AC Nielsen-ORG Marg in 21 cities across India.SBI Home Loans come to you on the solid foundation of trust and transparency built in thetradition of State Bank of India. Best Practices followed in SBI mentioned below will tellwhy it makes sense to do business with State Bank of India Best practices followed in SBI People dealing End to End service by Permanent employees of SBI who are with you accountable to you. SBI branch of your choice will service your loan account. You can Place always meet our employees face to face. Complete transparency. Price Interest charged on the daily reducing balance. Babasabpatilfreepptmba.com 31
  • 32. Awareness Level of Personal Banking Products of SBI Bank No penalty for prepayments made, out of bonafide savings or Prepayment charges windfall gains for which evidence is produced. Costs hidden in fine No hidden costs print Complete transparency. All the features of our product, including Transparency interest rates, are in the public domain.UNIQUE FEATURES:  Provision for on the spot "In principle" approval.  Loan sanctioned within 6 days of submission of required documents.  Provision to finance cost of furnishing and consumer durables as part of project cost  Repayment permitted up to 70 years of age  Free personal accident insurance cover up to Rs.40 Lac.  Optional Group Insurance from SBI Life at Concessional premium (Upfront premium financed as part of project cost)  Interest calculated on daily reducing balance basis, and starts from the date of disbursement. Babasabpatilfreepptmba.com 32
  • 33. Awareness Level of Personal Banking Products of SBI Bank  ‘Plus’ schemes, which offer attractive packages with Concessional, interest rates to Govt. Employees, Teachers, and Employees in Public Sector Oil Companies.  Special scheme to grant loans to finance Earnest Money Deposits to be paid to Urban Development Authority/ Housing Board, etc. in respect of allotment of sites/ house/ flat  Option to avail loan at the place of employment or at the place of construction Package of exclusive benefits: • Complimentary international ATM-Debit card • Complimentary SBI Classic/ International Credit Card. • Option for internet-banking • Concessional package under ‘Credit Khazana’ for prospective Auto Loan, Student Loan, Personal Loan borrowers whose accounts are conducted satisfactorily • 100% concession in charges in respect of all personal remittances/ collection of outstation cheques.Personal loan at attractive rates under SBI Home Plus scheme tailored exclusivelyfor SBI Home Loan customers.PurposePurchase/ Construction of House/ FlatPurchase of a plot of land for construction of HouseExtension/ repair/ renovation/ alteration of an existing House/ FlatPurchase of Furnishings and Consumer Durables as a part of the project cost.Take over of an existing loan from other Banks/ Housing Finance Companies.EligibilityMinimum age: 18 years as on the date of sanction.Maximum age limit for a Home Loan borrower is fixed at 70 years, i.e. the age by which the Babasabpatilfreepptmba.com 33
  • 34. Awareness Level of Personal Banking Products of SBI Bankloan should be fully repaid, availability of sufficient, regular and continuous source ofincome for servicing the loan repayment.Loan Amount  40 to 60 times of NMI, depending on repayment capacity as % of NMI as under – Net Annual Income EMI/NMI Ratio Up to Rs.2 lacks 40% Above Rs.2 lacks to Rs. 5 lacks 50% Above Rs. 5 lacks 55%To enhance loan eligibility you have option to add:1. Income of your spouse/ your son/ daughter living with you, provided they have a steadyincome and his/ her salary account is maintained with SBI.2. Expected rent accruals (less taxes, etc.) if the house/ flat being purchased are proposed tobe rented out.3. Depreciation, subject to some conditions and Regular income from all sources.Margin (Special Festival Season Offer)Purchase/ Construction of a new House/ Flat/ Plot of land: 15% for loans up to Rs. 1 cr., 20%for loans above Rs. 1 cr.Repairs/ Renovation of an existing House/ Flat: 15%InterestProcessing Fee (Special Festival Season Offer)0.25% of Loan amount with a cap of Rs.5, 000/-(including Service Tax)Pre-closure PenaltyNo penalty if the loan is pre closed from own savings/windfall gains for which documentaryevidence is produced by the customer.In case, the borrower does not produce such proof, penalty @2% on the amount prepaid in Babasabpatilfreepptmba.com 34
  • 35. Awareness Level of Personal Banking Products of SBI Bankexcess of normal EMI dues shall be levied if the loan is pre closed within 3 years from thedate of commencement of repayment.Security  Equitable mortgage of the property  Other tangible security of adequate value like NSCs, Life Insurance policies etc., if the property cannot be mortgagedMaximum Repayment Period  For applicants up to 70 years of age: 20 years  For applicants over 70 years of age: 15 yearsMoratoriumUp to 18 months from the date of disbursement of first installment or 2 months after finaldisbursement in respect of loans for construction of new house/ flat (moratorium period willbe included in the maximum repayment period)Disbursement  In lump sum direct in favor of the builder/ seller in respect of outright purchase  In stages depending upon the actual progress of work in respect of construction of house/ flat etc.Documents  Completed application form  Passport size photograph  Proof of Identity – PAN Card/ Voters ID/ Passport/ Driving License  Proof of Residence – Recent Telephone Bill/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID  Proof of business address in respect of businessmen/ industrialists Babasabpatilfreepptmba.com 35
  • 36. Awareness Level of Personal Banking Products of SBI Bank  Sale Deed, Agreement of Sale, Letter of Allotment, Non encumbrance certificate, Land/ Building Tax paid receipt etc. (as applicable and subject to satisfaction report from our empanelled lawyer)SBI-FLEXI’ HOME LOANSA customized product designed to enable borrowers to hedge their Home Loan againstunfavorable movement in interest rates. The product gives you a one time irrevocable optionto choose one of the three customized combinations of fixed and floating interest rates andalso to choose the order in which the fixed and floating rate will be availed.Minimum Loan Amount: Rs.5 lacks(Other terms and conditions – as applicable to regular Home Loans)SBI-MAXGAIN’ HOME LOANSAn innovative and customer-friendly product to enable you to earn optimal yield on yoursavings and minimize interest burden on Home Loans, with no extra cost.The loan is granted as an Overdraft facility with the added flexibility for you to operate yourHome Loan Account like your SB or Current Account.The product serves to minimize your interest cost by enabling you to park your surplus fundsin ‘SBI-Max gain’ (with the benefit to withdraw the surplus funds whenever you require),specially in the wake of low yields from other deposit/ investment avenues.Minimum Loan Amount: Rs.5 lacks(Other terms and conditions – as applicable to regular Home Loans)SBI-REALTY’ HOME LOANSA unique product if you are on the look out for a loan to purchase a plot of land for houseconstruction. The loan is available for a maximum amount of Rs.20 lacks and with acomfortable repayment period of up to 15 years.You are also eligible to avail another Housing Loan for construction of house on the plotfinanced above with the benefit of running both the loans concurrently.(House construction should commence within 2 years from the date of a ailment of ‘SBI-Realty’ Housing Loan)(Other terms and conditions – as applicable to regular Home Loans) Babasabpatilfreepptmba.com 36
  • 37. Awareness Level of Personal Banking Products of SBI BankSBI FREEDOM’ HOME LOANSA revolutionary product designed for customers who are on the look out for a source offinance for a property they want to invest in without mortgaging the same. All you have to dois pledge any financial security that you have and you will get a Home Loan for your dreamhome, a must-take for those who do not want to pay stamp duty for mortgage of theirproperty or go through the hassles of creation of mortgage. You also have an option to takethe loan by way of mortgage of the property and pledge financial securities in lieu of marginmoney. Repayment is highly customized, giving you the option to repay through regularEMIs or through maturity proceeds of the securities pledged.(Other terms and conditions – as applicable to regular Home Loans)SBI-OPTIMA ADDITIONAL HOME LOANSSBI-HOMELINE SPECIAL PERSONAL LOANSInnovative and value added products extended to existing Home loan borrowers with asatisfactory repayment record of 3 years and whose loan is Standard Asset, with a view toreinforce the customer loyalty and to maintain long term relationship with the borrowers. Incase of take-over of Home Loans from other Banks/HFCs, the borrower should have fulfilledthe above conditions with the present Bank/HFC.Purpose ‘SBI-Optima’ Additional Home Loans to meet expenditure towards major repair, renovation, addition to their house/flat, purchase of furniture, fixtures and consumer durables ‘SBI-Homeline’ Special Personal General purpose loan to meet expenditure to Loans meet foreseen/unforeseen contingencies Babasabpatilfreepptmba.com 37
  • 38. Awareness Level of Personal Banking Products of SBI BankEligibility‘SBI-Optima’ Additional Home Loans 18 times NMI (for salaried borrowers)/ 1 ½ times NAI ( for others) or (i)25% of the original project cost of house/flat (ii) 85% of the cost of repairs etc. or (iii) gap between 85% of the current market price of flat/house and actual outstanding loan dues , Whichever is lower (EMI/NMI ratio of all loans should not exceed 60%)‘SBI-Homeline’ Special Personal Loans 18 times NMI (for salaried borrowers)/ 1 ½ times NAI (for others)Interest Rates/processing fee‘SBI-Optima’ Additional Home Loans As applicable to Home Loans‘SBI-Homeline’ Special Personal Loans Interest rates 50bps above rates applicable to the repayment tenure (floating rates only) Processing fee : 0.50% of the loan amount (including service tax)Other Salient Features  Inbuilt provision for a ailment of the loans on the expiry of each bloc of 5 years, the first bloc commencing on the expiry of 5 years from the date of sanction of original Home Loan.  Original Home Loan and all ‘SBI-Optima’ Home Loans/’SBI-Home line’ Personal Loans can run concurrently  Comfortable repayment obligations – Tenure of the loans equal to the residual maturity of the original Home Loans – Babasabpatilfreepptmba.com 38
  • 39. Awareness Level of Personal Banking Products of SBI BankCAR LOANMove ahead in life with SBI Car Loans! If you have been putting off purchasing that Car, weinvite you to go through our Car Loan Scheme. Low interest rates, easy repayment options,total transparency, finance to include vehicle registration charges, insurance, one-time roadtax and accessories (subject to conditions).Well, what are you waiting for? Just contact any ofour branches (more than 6000) that offer Car Loans or our Personal Banking Branches andgive wheels to your desire!You can apply for an SBI Car Loan to purchase: • A new car, jeep, Multi Utility Vehicle (MUV) or SUV (any make or model) • A used car / jeep / MUV /SUV (not more than 5 years old). (any make or model)Enjoy the SBI Advantage:Excellent service and lower costs. A quick survey of similar schemes available elsewhere andyou will find that SBI Car Loans for new and old vehicles offer you: • Lowest interest rates • Longer repayment period of unto 84 months. • No hidden costs or administrative charges. • Finance for one-time road tax, registration fee, insurance premium and accessories Babasabpatilfreepptmba.com 39
  • 40. Awareness Level of Personal Banking Products of SBI Bank • No advance EMIs. (Some Banks/companies ask you to pay one or more EMIs at the time of disbursement of loan, thereby effectively reducing your loan amount.) • Complete transparency: We levy interest on daily reducing balance method. When you pay one installment, the interest is automatically calculated on the reduced balance thereafter. When you pay interest on an annual reducing balance, as charged by many other companies/banks, the interest amount for the coming year is determined on the amount outstanding at the beginning of the year. You continue to pay interest even on the amounts you repay during the year.The SchemePurposeYou can take finance for: A new car, jeep or Multi Utility Vehicles (MUVs)A used car / jeep (not more than 5 years old). (Any make or model).Take over of existing loan from other Bank/Financial institution (Conditions apply)Eligibility: To avail an SBI Car Loan, you should be: • Individual between the ages of 21-65 years of age. • A Permanent employee of State / Central Government, Public Sector Undertaking, Private company or a reputed establishment or • A Professionals or self-employed individual who is an income tax assesses or • A Person engaged in agriculture and allied activities. • Net Annual Income RS. 100,000/- and above.SALIENT FEATURESLoan AmountThere is no upper limit for the amount of a car loan. A maximum loan amount of 2.5 timesthe net annual income can be sanctioned. If married, your spouses income could also beconsidered provided the spouse becomes a co-borrower in the loan. The loan amount includesfinance for one-time road tax, registration and insurance. No ceiling on the loan amount fornew cars. Loan amount for used car is subject to a maximum limit of RS. 15 lacks. Babasabpatilfreepptmba.com 40
  • 41. Awareness Level of Personal Banking Products of SBI Bank Types of Loan:1. Term Loan 2. Overdraft - a) For New vehicles only b) Minimum loan amount: RS. 3 lacks.Documents requiredyou would need to submit the following documents along with the completed applicationform if you are an existing SBI account holder: 1. Statement of Bank account of the borrower for last 12 months. 2. 2 passport size photographs of borrower(s). 3. Signature identification from bankers of borrower(s). 4. A copy of passport /voters ID card/PAN card. 5. Proof of residence. 6. Latest salary-slip showing all deductions 7. I.T. Returns/Form 16: 2 years for salaried employees and 3 years for professional/self- employed/businessmen duly accepted by the ITO wherever applicable to be submitted. 8. Proof of official address for non-salaried individuals.If you were not an account holder with SBI you would also need to furnish documents thatestablish your identity and give proof of residence.EDUCATION LOANA term loan granted to Indian Nationals for pursuing higher education in India or abroadwhere admission has been secured. Babasabpatilfreepptmba.com 41
  • 42. Awareness Level of Personal Banking Products of SBI BankEligible CoursesAll courses having employment prospects are eligible. • Graduation courses/ Post graduation courses/ Professional courses • Other courses approved by UGC/Government/AICTE etc.Expenses considered for loan • Fees payable to college/school/hostel • Examination/Library/Laboratory fees • Purchase of Books/Equipment/Instruments/Uniforms • Caution Deposit/Building Fund/Refundable Deposit • Travel Expenses/Passage money for studies abroad • Purchase of computers considered necessary for completion of course • Cost of a Two-wheeler up to RS. 100,000/-Any other expenses required to complete the course like study tours, project work etc.Amount of Loan • For studies in India, maximum RS. 10 lacks • Studies abroad, maximum RS. 20 lacksInterest RateFor loans up to RS.4 lacks - 12.75% p.a. FloatingFor loans above RS.4 lacks - 13.75% p.a. FloatingProcessing Fees • No processing fee/ upfront charges • Deposit of RS. 10000/- for education loan for studies abroad which will be adjusted in the margin moneyRepayment TenureRepayment will commence one year after completion of course or 6 months after securing ajob, whichever is earlier. Babasabpatilfreepptmba.com 42
  • 43. Awareness Level of Personal Banking Products of SBI Bank Place of Study Loan Amount Repayment Period in Years Up to RS. 7.5 lacks 5-7 In India Above RS. 7.5 lacks 5-10 Up to RS. 15 lacks 5-7 Abroad Above RS. 15 lacks 5-10Margin • For loans up to RS.4.0 lacks: No Margin • For loans above RS.4.0 lacks: o Studies in India: 5% o Studies Abroad: 15%SecurityAmount Studies In India Studies AbroadUp to RS. 4 lacks No Security No SecurityAbove RS. 4 lacks to RS. 7.100 Suitable third Party Suitable third Party Guaranteelacks GuaranteeAbove RS. 7.100 lacks to RS. 10 Tangible Collateral Tangible Collateral security of suitablelack (India)/ RS. 15 lacks(Abroad) security for full value of value of loan or suitable third party loan guarantee. Tangible Collateral security for fullRS 15 lacks to RS. 20 lacks ___ value of loanDocumentation Required • Completed Education Loan Application Form. • Mark sheets of last qualifying examination • Proof of admission scholarship, studentship etc • Schedule of expenses for the specified course • 2 passport size photographs • Borrowers Bank account statement for the last six monthsLOAN TO PENSIONERS Babasabpatilfreepptmba.com 43
  • 44. Awareness Level of Personal Banking Products of SBI BankIf you are a Central or State Government pensioner drawing your pension through one of ourbranches and are not more than 72 years of age, you can avail of a loan from your branch tomeet your personal expenses. We understand you may have an urgent or unexpected need forfunds or a family obligation to be fulfilled and appreciate your association with us. You canavail a loan of up to a maximum of 12 months pension, subject to a ceiling of Rs.1, 00,000.The documentation is easy. The loan may be repaid over 5 years and will carry a low interestrate of 13.25% p.a.There are no processing fees, no hidden costs and no prepaymentpenalties. Whenever you have some surplus funds, you can credit your loan account, therebyreducing your loan liability and interest burden.SALIENT FEATURES OF THE SCHEMEEligibility: All Central and State Government pensioners, whose pension accounts aremaintained by our branches, the pensioner should not be more than 72 years of age.Purpose: & Loan Amount:To meet personal expenses. A maximum of 12 months pension with a ceiling of Rs.1,00,000/-Margin and Security: Margin is NIL and the spouse eligible for family pension shouldguarantee the loan or any other family member or a third party worth the loan amount.Repayment: 60 Equated Monthly Installments (EMIs) – if age of Pensioner at the time ofloan sanction is up to 70 years Babasabpatilfreepptmba.com 44
  • 45. Awareness Level of Personal Banking Products of SBI BankRate of Interest: 0.100% above SBAR floating i.e. 13.25% p.a.Authorized Branches: All branches maintaining pension accounts. The facility is availableonly from the branch, which is maintaining pension account of the applicant.PROPERTY LOANA dream comes true! An ALL PURPOSE LOAN for anything that life throws up atCustomer! Do you need funds for a Marriage ceremony, want to take your family to a well-deserved holiday or for a sudden medical emergency? Customers have some property, butwould rather not sell it? Then why not avail of this ALL PURPOSE LOAN from SBI? SBInow makes it very much possible for you to only keep your property but also have liquidfunds.Enjoy the SBI Advantage  Complete transparency in operations  Access this loan from our wide network of branches  Interest rates are levied on a monthly/daily reducing balance method  Lowest processing charges.  Long repayment period of 60 months, up to 120 months for salaried individuals with check-off facility  No Hidden costs or administrative charges.  No prepayment penalties. You can have surplus funds at any time thereby conveniently reducing your loan liability and interest burden.Property Loan SchemeAvail of an All-Purpose loan against mortgage of any of your property. We offer you theseloans at all our Personal Banking Branches and those branches having Personal Banking Babasabpatilfreepptmba.com 45
  • 46. Awareness Level of Personal Banking Products of SBI BankDivisions amongst others.PurposeThis is an all-purpose loan, i.e., the loan can be obtained for any purpose whatsoever. Ifamount of loan is Rs.25.00 lacks and above then purpose of loan will have to be specifiedalong with an undertaking that loan will not be used for any speculative purpose whateverincluding speculation on real estate and equity shares. Eligibility:A. An individual who is;a. an Employee orb. a Professional, self-employed or an income tax assesseeor.c. Engaged in agricultural and allied activities.B. Your Net Monthly Income (salaried) is in excess of Rs.12, 000/- or Net Annual Income(others) is in excess of Rs.1, 100,000/-.The income of the spouse may be added if he/she is a co-borrower or a guarantor.C. Maximum age limit: 60 years.SALIENT FEATURESLoan AmountMinimum: Rs.25, 000/-Maximum: Rs.1 crores. The amount is decided by the following calculation:  24 times the net monthly income of salaried persons (Net of all deductions including TDS) OR  2 times the net annual income of others (income as per latest IT return less taxes payable)MarginSBI will finance up to 75% of the market value of your property.Interest: Term Loan 0.75% above SBAR. i.e.13.100% p.a. FloatingRepaymentMaximum of 60 equated monthly installments, up to 120 months for salaried individuals with Babasabpatilfreepptmba.com 46
  • 47. Awareness Level of Personal Banking Products of SBI Bankcheck-off facility. You could opt to divert any surplus funds towards prepayment of the loanwithout attracting any penalty and Security, as per banks extant instructions.LOAN AGAINST SHARES DEBENTURES.Do you need urgent cash but you dont wish to sell or liquidate your holding of shares?Leverage your investments in shares, debentures, public sector bonds and Governmentsecurities for loans to meet unforeseen expenses!! You need not miss out on the next stockmarket boom!!Avail of loans up to Rs.20.00 lacks against your shares/debentures to enable you to meetcontingencies, personal needs or even for subscribing to rights or new issue of shares.Note: Loan will not be sanctioned for 1. Speculative purposes 2. Inter-corporate investments or 3. Acquiring controlling interest in company/companies.Enjoy the SBI advantage • Low interest rates. Further, we charge interest on a daily reducing balance!! • Low processing charges; only 1% of loan amount - compare with 1-3% of others. • No hidden costs or administrative charges.. • No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan.The SchemeEligibilityThis facility is available to our existing individual customers enjoying a strong relationship Babasabpatilfreepptmba.com 47
  • 48. Awareness Level of Personal Banking Products of SBI Bankwith SBI. This loan could be availed either singly or as a joint account with spouse in eitheror Survivor/ Former or Survivor mode. It is offered as an Overdraft or Demand Loan. Thefacility is available at 100 select centers.Salient FeaturesPurpose For meeting contingencies and needs of personal nature, loan will be permitted forsubscribing to rights or new issue of shares / debentures against the security of existing shares/ debentures. Loan will not be sanctioned for (i) speculative purposes (ii) inter-corporateinvestments or (iii) acquiring controlling interest in company / companies.Loan AmountYou can avail of loans up to Rs 20.00 lacks against your shares/debentures.Documents RequiredYou will be required to submit a declaration indicating: • Details of loans availed from other banks/ branches for acquiring shares/ debentures. • Details of loans availed from other banks/ branches against security of shares/ debenturesMargin & InterestYou will need to provide a margin amount of 100% of the prevailing market prices of theshares/ non-convertible debentures being offered as security. (The market prices refer to theprices in the Stock Exchanges as reported in the Economic Times.)Repayment ScheduleTo be liquidated in maximum period of 30 months through a suitable reducing DPprogrammed.In case of a default or if the outstanding is over Rs.20.00 lacks, the shares/debentures will betransferred in the name of the Bank.Security: Pledge of the demat shares/debentures against which overdraft is granted.List of Identified Centers1 Ahmedabad Baroda Surat Gandhinagar Rajkot Babasabpatilfreepptmba.com 48
  • 49. Awareness Level of Personal Banking Products of SBI Bank2 Bangalore Mysore3 Bhopal Indore Jabalpur Raipur Gwalior4 Bhubaneswar Cuttack Sambalpur5 Chandigarh Jallandhar Ludhiana Amritsar6 Chennai Coimbatore Tirupur7 Guwahati Shillong8 Hyderabad Visakhapatnam Karimnagar Tirupati9 Kolkatta Siliguri Asansol (Bardhamon)10 Lucknow Varanasi Kanpur Allahabad11 Mumbai Pune Panjim Aurangabad Nagpur12 New Delhi Jaipur Agra Udaipur13 Patna Ranchi Bhagalpur14 Thiruvananthapuram CochinCoverageScheme is available at select branches at 100 centers.MEDI-PLUS SCHEME Babasabpatilfreepptmba.com 49
  • 50. Awareness Level of Personal Banking Products of SBI BankFor spreading smiles and cheers on the faces of our customers, weve launched a new loanscheme keeping specialized medical treatments in mind - a scheme that we call Medic Plus!Enjoy the SBI advantage: • Concessions in margin amounts, interest rates and processing charges!! • Lowest interest rates. Further, we charge interest on a daily reducing balance!! • Lowest processing charges; only 1% of loan amount -(compare with 1-3% of others.) • No hidden costs or administrative charges. • No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan. • Flexible repayment period.The SchemeThe Specialized Medical Treatments, not only do the cost implications run into several lacksof rupees, but more often than not, these liquid funds also need to be generated at a very shortnotice, in order to be able to make prompt hospital bill payments… With this in mind, MedicPlus is specially designed to make life simpler for you under what could well be tryingcircumstances.You may avail of loans under the Medic plus Scheme to cover the cost of treatments such as: • Corneal Implant • Orthodontic Treatment (fixed tooth implant) • Ilazirav Technique of lengthening a limb Babasabpatilfreepptmba.com 50
  • 51. Awareness Level of Personal Banking Products of SBI Bank • Congenital heart surgery • Angioplasty • Heart Valve Replacement Surgery • GIFT (in-vitro technique for child bearing) • Serious Accidents and Multiple Injuries Surgery • Hip and Knee Replacement SurgeryPurpose: Loan for individuals to avail specialized expensive medical treatment e.g. coronaryby-pass, Hip and Knee replacement surgery, cochlear implants (surgical) for the hearingimpaired etc.Eligibility: You qualify to avail of loans under this scheme, if you are: • An employee of the Government/ a reputed PSU/ a profit making public limited company, and if you have a minimum, 10 years of service • A self-employed professional • A pensioner, who has taken voluntary retirement and is not yet 60 years old • An agent of Insurance/ KVP/ Mutual Funds etc. with a minimum annual income of Rs.3 lack • An employee/ a pensioner with a minimum income of Rs.10, 000 per month or if you are a neither, a minimum income of RS. 3 lacks per annum. Note: If the person being treated is a minor, the loan may be granted to a parent.The loan amounts range from a minimum of Rs.100, 000/- to a maximum of 12 months NMI(when it concerns salaried individuals and pensioners) or a 1-year net annual income (when itcomes to persons other than salaried individuals and pensioners), subject, to the followingceilings: • For Employees and Professionals: Rs.2.0 lacks • For Pensioners and Agents: Rs.1.0 lackOnce sanctioned, the loan is disbursed by the issuance of a draft/ bankers cheque, favoringthe hospital, where the treatment is being undertaken or where its proposed to be undertaken. Babasabpatilfreepptmba.com 51
  • 52. Awareness Level of Personal Banking Products of SBI BankMargin, Interest and Security20% of the total cost of treatment and 0.75% above SBAR i.e.13.100% p.a. As per banksextant instructions.Repayment Period and Processing Fee (One time):You may comfortably repay your loan over a maximum - 60 Equated Monthly Installments0.100% of the loan amount. Authorized branches are pleased to inform customers thatcurrently, The Medic plus Scheme is being offered at: • All computerized SBI branches in identified cities • All SBI branches, in metro/ urban centers, having "P" divisions • All SBI Personal Banking BranchesProcessing Fee: 0.100% of the entire loan amount, If the applicant already maintain a regularHousing Loan Account with us the processing fee is waived.List of Diseases • Corneal implant • Orthodontic treatment - fixed tooth implant • Ilazirav technique of lengthening a limb • Angioplasty • Congenital heart surgery • Heart Valve replacement surgery Babasabpatilfreepptmba.com 52
  • 53. Awareness Level of Personal Banking Products of SBI Bank OBJECTIVES OF THE STUDY  To Know The Customer Preference Towards Different Products Of SBI.  To Know the Perception of Customers towards SBI’s Personal Banking Products.  To know the awareness level of customers towards SBI’s facilities. Babasabpatilfreepptmba.com 53
  • 54. Awareness Level of Personal Banking Products of SBI Bank METHODOLOGYSample Unit: • Govt.Employees, Lawyers, Doctors, Engineers, Business People.Sample size: • Samples of 100 customers of the bank were chosen for the purpose of study.Sampling method: Random Sampling Method • From the large number of account holder’s of the bank, 100 customers were selected randomly from the bank’s database were considered for the study.Data Collection Method To fulfill the objectives of my study, I have taken both into considerations viz primary& secondary data.Primary data: Primary data has been collected through personal interview by direct contactmethod. The method, which was adopted to collect the information, is ‘Personal Interview’method. Personal interview and discussion was made with manager and other personnel inthe organization for this purpose.Secondary data: The data is collected from the Internet, Textbooks.The various sources that were used for the collection of secondary data are o Websites – www.SBI.com o www.google.comMeasuring tools • For this purpose measurement technique used for survey is questionnaire to collect information from the respondents. Having collected the information, the information was represented by using statistical tools like bar charts. Babasabpatilfreepptmba.com 54
  • 55. Awareness Level of Personal Banking Products of SBI Bank ANALYSIS OF THE STUDY1. Do you have an account with SBI bank? PARTICULARS FREQUENCY PERCENTAGE A.YES 80 80 B. NO 20 20 TOTAL 100 100 80 70 60 50 PERCENTAGE 40 80 30 20 10 20 0 A.YES B. NO PARTICULARSINTERPRETATION:Among 100 respondents 80 are SBI Customers and have different accounts and havetransactions in SBI Bank. Babasabpatilfreepptmba.com 55
  • 56. Awareness Level of Personal Banking Products of SBI Bank2. (I), which are the Personal Banking products you deal with SBI (Savings Account). PARTICULARS FREQUENCY PERCENTAGE A.YES 80 80 B.NO 20 20 TOTAL 100 100 80 70 60 50 PERCENTAGE 40 80 30 20 10 20 0 A.YES B. NO PARTICULARSINTERPRETATION:80% of the customers have got savings account in SBI Bank and remaining 20% of them useother accounts.2. (II), which are the Personal Banking products you deal with SBI (Fixed Deposit Account). Babasabpatilfreepptmba.com 56
  • 57. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE A.YES 23 23 B.NO 77 77 TOTAL 100 100 80 70 PERCENTAGE 60 50 40 77 30 20 23 10 0 A.YES B. NO PARTICULARSINTERPRETATION:23% of the respondents have deposits in Fixed Deposits. There are fewer respondents in caseof fixed deposit because it is kept for long time, which will be fixed.2. (III), which are the Personal Banking products you deal with SBI (Home Loan). Babasabpatilfreepptmba.com 57
  • 58. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE A.YES 14 14 B.NO 86 86 TOTAL 100 100 90 80 70 60 PERCENTAGE 50 86 40 30 20 10 14 0 A.YES B. NO PARTICULARSINTERPRETATION:Only 14% of the respondents have borrowed for Loan for Construction of Home, i.e. HomeLoan.2 (IV) which are the Personal Banking products you deal with SBI (Education Loan) Babasabpatilfreepptmba.com 58
  • 59. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE A.YES 2 2 B.NO 98 98 TOTAL 100 100 100 PERCENTAGE 90 80 70 60 50 98 40 30 20 10 2 0 A.YES B. NO PARTICULARSINTERPRETATION:Few of them i.e. 2% have taken education loan in SBI Bank and remaining have eitherdeposited or borrowed loan for some other purpose.2. (V), which is the Personal Banking products you deal with SBI (Debit Card [ATMCard]) Babasabpatilfreepptmba.com 59
  • 60. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE A.YES 71 71 B.NO 29 29 TOTAL 100 100 80 PERCENTAGE 70 60 50 40 71 30 20 29 10 0 A.YES B. NO PARTICULARSINTERPRETATION:There are 71% of the customer who are using Debit cards and 29% of them don’t use Debitcard.2. (VI). Which are the Personal Banking products you deal with SBI (Credit Card). Babasabpatilfreepptmba.com 60
  • 61. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE A.YES 24 24 B.NO 76 76 TOTAL 100 100 80 70 60 50 40 76 PERCENTAGE 30 20 24 10 0 A.YES B. NO PARTICULARSINTERPRETATION:There are 24% of the customer who are using Credit cards and 76% of them don’t use othercards.2. (VII). Which are the Personal Banking products you deal with SBI (On-line Banking). Babasabpatilfreepptmba.com 61
  • 62. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE Yes 19 19 No 81 81 TOTAL 100 100 90 80 70 60 PERCENTAGE 50 81 40 30 20 19 10 0 A.YES B. NO PARTICULARSINTERPRETATION:There are 19% of the customers who are using On-Line Banking and 81% of them don’t useOn-Line Banking Babasabpatilfreepptmba.com 62
  • 63. Awareness Level of Personal Banking Products of SBI Bank3. How do find the rate of return on SBI PERSONAL products. PARTICULARS FREQUENCY PERCENTAGE GOOD 68 68 MODERATE 12 12 POOR 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 70 60 50 PERCENTAGE 40 68 30 20 10 12 0 0 GOOD MODERATE POOR PARTICULARSINTERPRETATION:There is good response regarding the rate of return. Many of the respondents have said thatthe rate of return is good i.e. 68% and 12% have said it as moderate. Babasabpatilfreepptmba.com 63
  • 64. Awareness Level of Personal Banking Products of SBI Bank4. (I) The factors that made you to become a part of the SBI (Convenience) PARTICULARS FREQUENCY PERCENTAGE Very good 41 41 Good 26 26 Ok 39 39 Bad 0 0 Very bad 1 1 Total 80 80 Missing system 20 20 TOTAL 100 100 45 40 35 30 PERCENTAGE 25 39 41 20 15 26 10 5 0 1 0 Very Good Ok Bad Very bad good PARTICULARSINTERPRETATION:The main factor for some customer is Convenience where 41% of them have said Very Good,26% have said Good and remaining i.e. 39% said it Ok and remaining 1% said very badly. Babasabpatilfreepptmba.com 64
  • 65. Awareness Level of Personal Banking Products of SBI Bank4(II) The factors that made you to become a part of the SBI (Service) PARTICULARS FREQUENCY PERCENTAGE Very good 36 36 Good 28 28 Ok 12 12 Bad 4 4 Very bad 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 65
  • 66. Awareness Level of Personal Banking Products of SBI Bank 40 35 30 25 PERCENTAGE 20 36 15 10 28 12 5 4 0 0 Very Good Ok Bad Very bad good PARTICULARSINTERPRETATION:36% Respondents have said that the service is the first factor which made them to openaccount in SBI Bank. The other 28% of them have said good for the service given, 12% havesaid its Ok, and 4% of them have said Bad.4. (III) The factors that made you to become a part of the SBI (Interest Rates). PARTICULARS FREQUENCY PERCENTAGE Very good 25 25 Good 30 30 Ok 23 23 Bad 2 2 Very bad 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 66
  • 67. Awareness Level of Personal Banking Products of SBI Bank 30 25 20 30 PERCENTAGE 15 23 25 10 5 2 0 0 Very Good Ok Bad Very bad good PARTICULARSINTERPRETATION:The Interest rate is Very Good for 25%, 30% have said it’s Good ,23% have said Ok ,andRemaining 2% have said Bad.4. (IV) The factors that made you to become a part of the SBI (Loan facilities). Babasabpatilfreepptmba.com 67
  • 68. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE Very good 18 18 Good 20 20 Ok 39 39 bad 3 3 Very bad 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 40 PERCENTAGE 35 30 25 39 20 15 20 10 18 5 3 0 0 Very Good Ok bad Very bad good PARTICULARSINTERPRETATION: Babasabpatilfreepptmba.com 68
  • 69. Awareness Level of Personal Banking Products of SBI BankThe Loan facility is also the factor, which influenced to transact with SBI Bank, and 39%have said is Ok, 20% respondents have said Good ,18% have said it as Very Good andremaining 3% have said Bad. 5. The Transactions done in SBI are PARTICULARS FREQUENCY PERCENTAGE Quick 63 63 Moderate 13 13 Slow 4 4 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 69
  • 70. Awareness Level of Personal Banking Products of SBI Bank 70 60 50 40 63 30 20 PERCENTAGE 10 13 4 0 Quick Moderate Slow PARTICULARSINTERPRETATION:13% of the respondents say that the transactions are Moderate, 63% is quick and remaining4% say it as slow.6. How will you get to know about SBI Personal Banking facilities or the offers? PARTICULARS FREQUENCY PERCENTAGE News paper 61 61 Website 7 7 TV-advertisements 6 6 Any other 6 6 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 70
  • 71. Awareness Level of Personal Banking Products of SBI Bank 70 60 50 PERCENTAGE 40 30 61 20 10 6 7 6 0 News W ebsite TV- Any paper advertise other ments PARTICULARSINTERPRETATION: The Products and Offers of SBI Bank are known through Newspapers which we can see in the above bar diagram 61%, from News Paper, 7% from Websites, TV advertisement is 6% and 6% from Any Other i.e. Personal Approach.7. (I) How frequently you use the Personal Banking products. (Savings A/c) PARTICULARS FREQUENCY PERCENTAGE Babasabpatilfreepptmba.com 71
  • 72. Awareness Level of Personal Banking Products of SBI Bank Weekly 35 35 Monthly 45 45 Quarterly 0 0 Yearly 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 45 40 35 PERCENTAGE 30 25 45 20 35 15 10 5 0 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:35% of the respondents who are having Savings Account in SBI Bank visit weekly and 45%visit monthly.7. (II) How frequently you use the Personal Banking products (Fixed Deposits A/c) PARTICULARS FREQUENCY PERCENTAGE Babasabpatilfreepptmba.com 72
  • 73. Awareness Level of Personal Banking Products of SBI Bank Weekly 0 0 Monthly 0 0 Quarterly 9 9 Yearly 14 14 others 57 57 Total 80 80 Missing system 20 20 TOTAL 100 100 14 12 10 PERCENTAGE 14 8 6 9 4 2 0 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:14% of the respondents who are having Fixed Deposits in SBI Bank visit to know about theirbalance yearly and there are respondent who visit quarterly where the percentage is 9%respectively.7. (III) How frequently you use the Personal Banking products (Home Loan) PARTICULARS FREQUENCY PERCENTAGE Babasabpatilfreepptmba.com 73
  • 74. Awareness Level of Personal Banking Products of SBI Bank Weekly 0 0 Monthly 6 6 Quarterly 6 6 Yearly 2 2 Others 66 66 Total 80 80 Missing system 20 20 TOTAL 100 100 6 5 PERCENTAGE 4 6 6 3 2 2 1 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:Some of the respondent who are having Home Loan in SBI Bank said that they will visitYearly to pay the interest which is 2%, 6% of the respondent said they will visit Quarterlyand remaining 6% Monthly.7. (IV) How frequently you use the Personal Banking products (Education Loan) PARTICULARS FREQUENCY PERCENTAGE Babasabpatilfreepptmba.com 74
  • 75. Awareness Level of Personal Banking Products of SBI Bank Weekly 0 0 Monthly 0 0 Quarterly 1 1 Yearly 1 1 Others 78 78 Total 80 80 Missing system 20 20 TOTAL 100 100 1 0.9 0.8 0.7 0.6 1 1 0.5 0.4 0.3 PERCENTAGE 0.2 0.1 0 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:The respondents of Education Loan visit SBI Bank Quarterly or Yearly on the basis of termsand conditions.7. (V) How frequently you use the Personal Banking products (Debit Card) Babasabpatilfreepptmba.com 75
  • 76. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE Weekly 64 64 Monthly 6 6 Quarterly 1 1 Yearly 0 0 Others 9 9 Total 80 80 Missing system 20 20 TOTAL 100 100 70 60 50 40 64 30 20 PERCENTAGE 10 6 0 1 0 W eekly M onthly Quarterly Yearly PARTICULARS Babasabpatilfreepptmba.com 76
  • 77. Awareness Level of Personal Banking Products of SBI BankINTERPRETATION:64% respondent who are having Debit Card in SBI Bank use it weekly, 6% of them usemonthly and remaining 1% of them use quarterly.7. (VI) How frequently you use the Personal Banking products (Credit Card) PARTICULARS FREQUENCY PERCENTAGE Weekly 4 4 Monthly 17 17 Quarterly 3 3 Yearly 0 0 Others 56 56 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 77
  • 78. Awareness Level of Personal Banking Products of SBI Bank 18 PERCENTAGE 16 14 12 17 10 8 6 4 3 4 2 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:4 % of SBI customers use Credit Card weekly and 17% of them use monthly and 3% of themuse quarterly.7. (VII) How frequently you use the Personal Banking products (On-line Banking). PARTICULARS FREQUENCY PERCENTAGE Weekly 14 14 Monthly 5 5 Quarterly 0 0 Yearly 0 0 Others 61 61 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 78
  • 79. Awareness Level of Personal Banking Products of SBI Bank 14 PERCENTAGE 12 10 8 14 6 4 5 2 0 0 0 W eekly M onthly Quarterly Yearly PARTICULARSINTERPRETATION:There are 14% of the customers who are using On-Line Banking weekly and 5% of them areusing monthly.8. How do you feel Interest rate of SBI PERSONAL products Borrowings? Babasabpatilfreepptmba.com 79
  • 80. Awareness Level of Personal Banking Products of SBI Bank PARTICULARS FREQUENCY PERCENTAGE Good 61 61 Moderate 19 19 Poor 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 70 PERCENTAGE 60 50 40 61 30 20 19 10 0 0 Good M oderate Poor PARTICULARSINTERPRETATION: Babasabpatilfreepptmba.com 80
  • 81. Awareness Level of Personal Banking Products of SBI Bank19% of the respondents say that the interest on Borrowings is Moderate and 61% of them sayinterest rate is good.9. How do you rank SBI Personal Banking Products? PARTICULARS FREQUENCY PERCENTAGE Best 50 5O Good 26 26 Moderate 3 3 Poor 1 1 Very poor 0 0 Total 80 80 Missing system 20 20 TOTAL 100 100 Babasabpatilfreepptmba.com 81
  • 82. Awareness Level of Personal Banking Products of SBI Bank 50 45 40 35 30 50 PERCENTAGE 25 20 15 26 10 5 1 3 0 0 Best Good M oderate Poor Very poor PARTICULARSINTERPRETATION:The SBI customer Rank the SBI products as shown in the above chart. 26% of them say thePERSONAL products of SBI are good, 50% rank them as Best, 3% rank it as Moderate andremaining 1% rank them as poor.10. Are you interested to transact with SBI PERSONAL products? PARTICULARS FREQUENCY PERCENTAGE A.YES 99 99 B. NO 1 2 TOTAL 100 100 Babasabpatilfreepptmba.com 82
  • 83. Awareness Level of Personal Banking Products of SBI Bank 100 90 80 70 PERCENTAGE 60 99 50 40 30 20 10 1 0 A.YES B. NO PARTICULARSINTERPRETATION:Among the respondent 99% said they wish to transact or deal with personaling products ofSBI bank and 1% of them said don’t want to open account. FINDINGS  Among 100 respondents 80 are SBI Customers and have different accounts and have transactions in SBI Bank.  80% of the customers have got savings account in SBI Bank and remaining 20% of them use other accounts. Babasabpatilfreepptmba.com 83
  • 84. Awareness Level of Personal Banking Products of SBI Bank  23% of the respondents have deposits in Fixed Deposits. There are fewer respondents in case of fixed deposit because it is kept for long time which will be fixed.  Only 14% of the respondents have borrowed for Loan for Construction of Home, i.e. Home Loan.  Few of them i.e. 2% have taken education loan in SBI Bank and remaining have either deposited or borrowed loan for some other purpose.  There are 71% of the customer who are using Debit cards and 29% of them don’t use Debit card.  There are 24% of the customer who are using Credit cards and 76% of them don’t use other cards.  There are 19% of the customers who are using On-Line Banking and 81% of them don’t use On-Line Banking.  There is good response regarding the rate of return. Many of the respondents have said that the rate of return is good i.e. 68% and 12% have said it as moderate.  The main factor for some customer is Convenience where 41% of them have said Very Good, 26% have said Good and remaining i.e. 39% said it Ok and remaining 1% said very badly.  36% Respondents have said that the service is the first factor which made them to open account in SBI Bank. The other 28% of them have said good for the service given, 12% have said its Ok, and 4% of them have said Bad.  The Interest rate is Very Good for 25%, 30% have said it’s Good, 23% have said Ok, and Remaining 2% have said Bad.  The Loan facility is also the factor, which influenced to transact with SBI Bank, and 39% have said is Ok, 20% respondents have said Good, 18% have said it as Very Good and remaining 3% have said Bad.  13% of the respondents say that the transactions are Moderate, 63% is quick and remaining 4% say it as slow.  The Products and Offers of SBI Bank are known through Newspapers which we can see in the above bar diagram 61%, from News Paper, 7% from Websites, TV advertisement is 6% and 6% from Any Other i.e. Personal Approach. Babasabpatilfreepptmba.com 84
  • 85. Awareness Level of Personal Banking Products of SBI Bank  35% of the respondents who are having Savings Account in SBI Bank visit weekly and 45% visit monthly.  14% of the respondents who are having Fixed Deposits in SBI Bank visit to know about their balance yearly and there are respondent who visit quarterly where the percentage is 9% respectively.  Some of the respondent who are having Home Loan in SBI Bank said that they will visit Yearly to pay the interest which is 2%, 6% of the respondent said they will visit Quarterly and remaining 6% Monthly.  The respondents of Education Loan visit SBI Bank Quarterly or Yearly on the basis of terms and conditions.  64% respondent who are having Debit Card in SBI Bank use it weekly, 6% of them use monthly and remaining 1% of them use quarterly.  4 % of SBI customers use Credit Card weekly and 17% of them use monthly and 3% of them use quarterly.  There are 14% of the customers who are using On-Line Banking weekly and 5% of them are using monthly.  19% of the respondents say that the interest on Borrowings is Moderate and 61% of them say interest rate is good.  Among the respondent 99% said they wish to transact or deal with persona ling products of SBI bank and 1% of them said don’t want to open account.  The SBI customer Rank the SBI products as shown in the above chart. 26% of them say the PERSONAL products of SBI are good, 50% rank them as Best, 3% rank it as Moderate and remaining 1% rank them as poor. RECOMMENDATIONS Babasabpatilfreepptmba.com 85
  • 86. Awareness Level of Personal Banking Products of SBI Bank  The costumers are aware of only few products of SBI PERSONAL banking products. So bank should provide the information regarding the availability of the products.  Disbursement of loans should be quickly done as and when required.  There are many People who don’t know about On-Line Banking, so bank should help to know about the operations and facilities.  The bank should provide information relating to Interest. They should help to know how floating or fixed rate of interest is charged and the terms and conditions. CONCLUSION Babasabpatilfreepptmba.com 86
  • 87. Awareness Level of Personal Banking Products of SBI BankMost of the customers are aware of few SBI PERSONAL banking products like Home Loan,Savings Account, Education loan and they are not aware of products like Loan against Shares& Debentures, Loan against Mortgage of Property. So the bank should help the customers toknow about such products, which they are less aware. They are satisfied on the interest ofPERSONAL Banking products. SBI Bank is providing a good service to the customers and itcan be termed as satisfactory from the respondents (Questioner). QUESTIONNAIREName: _______________________________________________ Babasabpatilfreepptmba.com 87
  • 88. Awareness Level of Personal Banking Products of SBI BankAddress: _______________________________________________Occupation: _______________________________________________Phone No: _____________________Cell No: ___________________1. Do you have an account with SBI bank? a) Yes b) No (If No go to question No.10)2. Which are the Personal Banking products you deal with SBI [Mark in front of the option] a) Savings A/c b) Fixed Deposit A/c c) Home Loan d) Education Loan e) Debit Card [ATM Card] f) Credit Card g) Auto Loan h) Gold Loan i) On-line Banking j) If any, specify3. How do find the rate of return on SBI PERSONAL products. a) Good b) Moderate c) Poor4. The factors that made you to become a part of the SBI [Mark on the option] a) Convenience Very good Good Ok Bad Very Bad b) Service Very good Good Ok Bad Very Bad c) Interest Rates Very good Good Ok Bad Very Bad d) Loan facilities Very good Good Ok Bad Very Bad5. The Transactions done in SBI are a) Quick b) Moderate c) Slow Babasabpatilfreepptmba.com 88
  • 89. Awareness Level of Personal Banking Products of SBI Bank 6. How will you get to know about SBI Personal Banking facilities or the offers? a) News paper b) Website c) TV advertisements d) If any specify___________ 7. How frequently you use the Personal Banking products? Products Yes No Weekly Monthly Quarterly Yearly a) Savings A/c b) Fixed Deposits A/c c) Home Loan d) Education Loan e) Debit Card f) Credit Card g) Auto Loan h) Gold Loan i) On-line Banking j) If any specify 8. How do you feel Interest rate of SBI PERSONAL products Borrowings? a) Good b) Moderate c) Poor 9. How do you rank SBI Personal Banking Products? a) Best b) Good c) Moderate d) Poor e) Very poor. 10. Are you interested to transact with SBI PERSONAL products? a) Yes b) No specify ________________________ Thank you DATA CODE SHEET Q1 Q2 Q3 Q4 Q5 Q6 Q7 Q8 Q9 Q10Sl.no A B C D E F I A B C D A B C D E F I 1 1 1 2 2 2 1 2 2 1 1 1 1 1 1 1 1 4 0 0 1 0 0 1 1 1 2 1 1 1 0 1 1 1 2 2 5 2 2 2 2 2 2 0 0 0 2 0 2 2 3 1 3 1 2 1 1 2 1 1 2 1 0 1 1 3 1 1 2 0 2 0 1 2 0 1 2 1 4 1 1 2 2 2 2 2 2 2 1 3 3 1 2 4 1 0 0 0 0 0 0 2 0 1 Babasabpatilfreepptmba.com 89
  • 90. Awareness Level of Personal Banking Products of SBI Bank 5 1 1 1 1 2 1 1 1 0 2 2 1 3 0 0 0 0 0 0 0 3 0 1 1 1 6 1 1 1 0 2 1 1 2 0 2 1 2 2 0 0 1 0 0 4 0 0 1 1 2 1 7 2 1 0 1 0 0 0 2 1 1 3 1 3 1 3 2 0 3 0 1 0 0 0 2 1 8 1 1 2 2 2 1 2 0 0 2 2 3 1 0 0 1 0 0 0 0 2 0 1 1 1 9 1 2 2 0 2 1 2 2 1 1 1 1 3 1 1 1 0 0 0 1 0 0 1 1 110 2 1 0 1 0 0 0 2 1 1 3 2 2 1 1 0 0 0 0 1 0 0 0 1 111 1 1 2 2 2 1 2 1 0 2 4 3 3 0 0 0 4 0 0 0 1 0 2 0 112 2 1 1 1 2 0 1 2 1 0 1 1 0 2 3 2 0 0 0 0 0 1 0 1 113 1 1 1 0 2 1 1 2 0 2 4 2 1 0 0 1 0 0 0 0 0 0 1 0 114 1 1 1 1 2 1 1 2 1 1 2 4 0 1 1 0 0 2 0 1 0 0 1 1 115 1 2 1 1 2 2 1 2 1 2 1 1 2 1 1 1 3 0 0 1 0 0 2 1 116 1 1 2 2 2 1 2 2 2 2 3 2 3 2 4 1 0 0 0 2 0 0 1 2 117 1 1 2 2 2 1 2 2 1 1 2 0 1 1 1 0 0 3 0 1 0 1 0 1 118 1 1 2 2 2 1 2 2 1 2 1 1 0 1 1 1 0 0 0 1 2 0 1 1 119 1 1 2 2 2 1 2 2 1 1 2 2 2 1 1 2 0 0 0 1 0 0 1 1 120 1 1 2 2 2 1 2 0 0 1 2 1 0 0 0 0 0 2 0 0 0 0 1 1 121 1 1 2 0 2 2 2 2 1 1 1 3 3 1 1 0 0 0 0 1 0 0 2 1 122 1 1 2 2 2 1 2 2 2 0 2 2 0 2 3 2 3 0 0 0 0 2 1 1 123 1 1 2 2 2 1 2 2 1 1 2 1 1 1 1 0 0 2 0 1 0 0 1 0 124 1 1 2 2 2 1 2 2 2 2 1 0 2 2 2 1 0 0 0 2 2 0 1 2 125 1 1 2 2 2 1 2 2 1 2 2 2 3 1 1 1 0 0 0 1 1 0 1 1 126 2 1 0 1 0 0 0 0 0 2 3 1 3 0 0 2 0 0 3 0 0 1 0 3 127 1 1 1 0 2 1 1 2 1 1 1 3 0 1 1 2 0 0 0 1 0 0 1 0 128 1 2 1 1 2 1 1 2 1 2 4 2 1 1 1 2 0 0 0 1 2 0 1 1 129 1 1 2 2 2 1 2 2 1 1 2 0 3 1 1 1 4 0 0 1 0 1 1 1 130 1 1 2 2 2 1 2 2 1 2 1 1 2 1 4 1 0 4 0 1 0 0 1 1 131 1 2 1 1 2 1 1 2 0 1 3 2 0 0 0 1 0 0 0 0 0 1 1 0 132 1 1 2 0 2 1 2 2 1 0 2 3 3 1 1 1 3 0 0 1 0 0 1 0 133 2 1 0 1 0 0 0 2 1 1 1 0 1 1 1 2 0 0 0 1 0 0 2 1 134 1 1 1 1 2 1 1 2 0 1 0 2 3 0 0 2 0 0 0 0 3 1 1 0 135 1 1 2 2 2 1 2 2 1 2 2 3 2 1 1 0 4 0 0 1 0 0 1 1 136 2 1 2 0 2 0 2 0 0 1 1 0 0 0 0 1 0 0 0 0 0 0 0 0 137 1 2 2 2 2 2 2 2 1 1 3 0 3 1 2 0 4 0 0 1 0 0 2 2 138 2 1 0 1 0 0 0 2 1 0 2 2 3 1 1 2 3 3 0 1 2 1 0 1 139 1 1 1 1 2 1 1 2 1 2 1 3 0 1 1 0 3 0 0 1 0 0 1 1 140 1 2 1 0 2 1 1 0 0 1 4 0 2 0 0 2 0 0 0 0 0 0 1 1 141 1 1 1 1 0 1 1 2 1 0 2 0 1 3 1 0 0 0 0 3 0 0 1 0 142 1 1 2 2 2 1 2 2 1 1 1 1 3 1 1 0 0 0 0 1 0 1 1 2 143 1 1 2 0 2 1 2 2 1 1 2 2 3 1 1 2 4 0 0 1 0 0 1 1 144 1 1 2 2 2 1 2 1 1 1 0 3 2 1 1 2 3 0 0 1 0 0 1 0 145 1 1 2 2 2 1 2 2 1 0 1 0 3 1 1 1 0 0 0 1 2 0 1 2 146 2 1 0 1 0 0 0 2 1 0 2 3 3 1 1 2 0 0 0 1 0 0 0 0 147 1 1 2 2 2 1 2 1 1 1 1 2 3 3 1 1 4 2 0 0 0 2 1 1 148 1 2 2 0 2 1 2 2 1 2 3 0 1 1 1 1 0 0 0 1 2 0 1 1 149 1 1 2 2 2 2 2 2 1 0 2 3 0 1 1 1 0 0 0 1 0 0 2 1 150 1 1 2 2 2 1 2 0 0 1 1 0 2 0 0 1 4 0 0 0 0 0 1 1 151 1 1 2 2 1 1 1 2 1 0 2 1 3 1 1 1 0 0 0 1 0 0 1 1 152 1 2 2 2 2 1 2 1 2 2 0 3 2 2 2 1 4 3 0 2 1 0 2 0 153 1 1 2 2 1 1 2 2 1 1 1 2 1 1 1 2 0 0 0 1 1 1 1 2 154 1 1 2 2 1 2 2 2 2 2 2 0 3 2 2 0 3 0 0 0 0 0 2 0 155 2 1 1 0 1 0 1 1 1 0 3 1 2 0 1 2 0 0 0 0 0 0 0 1 156 2 1 2 2 1 0 2 1 1 1 1 3 3 0 1 2 0 0 0 0 2 0 0 0 157 1 2 2 2 2 1 2 0 0 2 2 2 3 1 0 1 4 0 0 1 0 0 2 1 158 2 1 0 1 1 0 0 2 1 0 3 0 1 0 1 2 0 0 0 0 0 1 0 1 159 1 1 2 2 1 1 2 2 1 1 1 1 3 1 1 1 0 0 0 1 0 0 1 2 160 1 2 2 2 2 1 2 0 0 2 2 2 2 1 0 1 4 0 0 1 0 0 1 1 161 2 1 1 1 1 0 1 2 1 1 3 3 3 0 3 2 4 3 0 0 0 0 0 1 1 Babasabpatilfreepptmba.com 90
  • 91. Awareness Level of Personal Banking Products of SBI Bank 62 1 1 1 1 1 1 1 1 0 0 1 2 0 2 0 2 0 0 0 2 2 1 2 1 1 63 2 1 2 2 1 0 2 2 1 2 2 1 1 0 1 0 0 0 0 0 0 0 0 1 1 64 1 1 2 2 1 1 2 1 1 1 3 0 3 1 1 2 0 0 0 1 0 0 1 0 2 65 1 2 2 2 2 1 2 1 2 1 1 2 2 1 4 2 0 0 0 1 0 0 1 2 1 66 1 1 2 0 1 2 2 2 1 1 2 3 3 2 1 1 0 0 0 0 2 0 2 1 1 67 1 1 2 2 1 1 2 2 1 0 0 1 0 1 4 2 0 0 0 1 0 0 1 2 1 68 1 2 2 2 2 1 2 2 1 2 1 0 4 1 1 1 3 0 0 1 0 0 1 1 1 69 1 1 2 0 1 1 2 2 1 1 2 2 1 1 1 2 0 0 0 1 2 1 1 3 1 70 2 2 0 2 2 0 0 2 1 0 0 1 0 0 1 1 0 0 0 0 0 0 0 2 1 71 1 1 2 0 1 1 2 2 2 2 1 3 2 1 3 2 0 0 0 1 0 0 1 2 1 72 1 1 2 2 1 2 2 2 1 1 2 2 3 2 1 1 0 2 0 0 2 0 2 2 1 73 1 1 1 0 1 1 1 2 1 1 0 1 0 1 1 1 0 0 0 1 0 1 1 1 1 74 1 2 2 2 2 1 2 2 1 0 1 2 3 2 1 1 0 0 0 0 0 0 2 2 1 75 1 1 2 2 1 1 2 2 1 1 2 3 2 1 1 2 0 0 0 1 0 0 1 1 1 76 2 1 0 2 1 0 0 0 0 0 0 2 3 0 0 1 0 0 0 0 0 0 0 0 1 77 1 1 2 0 1 1 2 1 1 1 1 4 1 1 1 2 0 0 0 1 2 0 1 1 1 78 1 2 2 2 2 1 2 1 1 1 2 1 0 1 1 2 0 0 0 1 0 0 1 1 1 79 1 1 2 2 1 1 2 2 1 1 0 2 2 1 1 0 0 0 0 1 0 0 1 0 1 80 1 1 2 0 1 1 2 2 1 0 1 3 3 1 1 0 4 0 0 1 2 0 2 0 1 81 2 1 2 2 1 0 2 1 1 2 0 0 0 0 1 2 0 0 0 0 0 0 0 1 1 82 1 2 2 2 2 1 2 2 1 0 0 1 2 1 1 1 0 0 0 1 0 2 1 1 1 83 1 1 2 2 1 1 2 0 0 2 1 2 3 1 0 2 0 0 0 1 0 0 1 2 1 84 2 1 2 0 1 0 2 1 1 1 0 3 0 0 1 2 0 0 0 0 0 0 0 2 1 85 1 1 2 2 1 1 2 2 1 2 1 2 2 1 1 1 3 3 0 1 0 0 1 4 1 86 2 1 0 2 1 0 0 2 0 0 0 1 3 0 0 2 0 0 0 0 0 0 0 2 1 87 1 1 2 2 1 1 2 2 2 2 1 0 1 1 3 2 0 0 0 1 0 0 2 0 1 88 1 1 2 2 1 1 2 0 0 2 0 2 0 1 0 0 0 0 0 1 3 1 1 2 1 89 1 2 2 2 2 1 2 1 1 1 0 3 3 1 1 2 0 0 0 1 0 0 1 1 1 90 2 1 0 2 1 0 0 1 1 2 1 1 3 0 1 2 0 0 0 0 0 0 0 1 1 91 1 1 2 2 1 1 2 1 1 2 0 2 3 3 1 2 0 0 0 0 2 0 1 2 1 92 1 1 2 0 1 1 2 2 1 2 0 3 1 1 1 0 0 0 0 1 0 0 1 0 1 93 1 2 2 2 2 1 2 2 1 2 1 2 3 1 1 2 0 0 0 1 0 0 1 2 1 94 1 1 1 0 1 1 1 2 1 2 0 1 0 1 1 0 0 4 0 1 0 0 1 2 1 95 1 2 2 2 2 1 2 2 1 2 0 3 4 1 1 2 4 0 0 1 0 0 1 1 1 96 1 1 2 2 1 1 2 0 0 1 1 2 3 1 0 2 0 0 0 1 0 2 1 1 1 97 1 2 1 0 2 1 1 2 1 2 0 0 1 3 1 1 0 0 0 0 2 0 1 2 1 98 1 1 2 2 1 1 2 2 1 2 1 3 0 1 1 2 0 0 0 1 0 0 1 2 1 99 1 1 2 2 1 1 2 2 2 2 0 0 3 1 4 1 0 0 0 1 0 0 1 0 1100 2 1 0 2 1 0 0 2 1 2 1 0 4 0 1 2 0 0 0 0 0 0 0 1 1 BIBILOGRAPHY • WEB SITES  http://www.SBI.com  http://www.google.com Babasabpatilfreepptmba.com 91