SBI Segmentation


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SBI market segmentation by kotler By Shashank Karkera (Sibm), Njoy

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SBI Segmentation

  1. 1. Introduction Established In 1806 at Calcutta as Bank Of Calcutta It is the oldest bank of Indian sub-continent Head Quarter- Corporate Center, Madam Cama Road, Mumbai. Largest bank network in India with 16,000 branches Over 8,500 ATM’s
  2. 2.  Deposits- $195 Billion Revenues - $12 Billion SBI accounts for 1/5 of the nations loans SBI is 29th amongst most reputable companies in the world according to Forbes Listed in B.S.E & N.S.E.
  3. 3. History Started as ‘Bank Of Calcutta’ on 2nd June 1806 Later Renamed as ‘Bank Of Bengal’ Later Bank Of Madras, Bank Of Bombay & Bank Of Bengal were merged to form ‘Imperial Bank Of India’ (1921). It was nationalised on 1955 & renamed ‘State Bank Of India’
  4. 4. Segmentation Geographic- Tier-I, Tier –II, Tier-III, Rural & Semi –urban Branches. Age :- 10-59, 60 & above Income- Marginal, Low, Middle, High Occupation- Unskilled Workers, Skilled workers, Shop Owners, Businessmen.
  5. 5. Geographic Segmentation Tier-I – Mortgage, Autoloan, Education Loan, Investment & Insurance Tier –II-Housing Loan, 2 wheeler Loan, Gold Loan, Credit Card, Mutual Funds. Tier-III- Loan Against Property, Fixed Deposits, Insurance. Rural & Semi –urban Branches- Agriculture Loans, Motor Loans, Etc.
  6. 6. Stage Financial Situation Banking Needs Few Financial Burdens;10-26 recreation oriented Low-cost checking; auto loan; credit card Home purchasing peak; Mortgage; Credit card;27-40 Liquid assets low; Revolving Credit Line; Bill Consolidation Loan Home Improvement Loans;41-59 Good Financial Position; Equity Credit Lines; Money Mkt Deposit accounts Investment services60 and above Significantly Monthly Income Checks on CDs; reduced Income Direct Deposit of Social Security
  7. 7. Income Low- Fixed Deposits, Personal Loans, Agricultue Loans Middle- Mutual Funds, Home Loan, Consumer Durable Loans, Education Loans, High- Offers car loan, Credit card Services, Home improvement loans, Insurance.
  8. 8. Occupation Unskilled Workers- Insurance Policies, Saving account, Investment Schemes. Skilled workers- Loan for home, education, Consumer durables, Car Loans, Shop Owners- Cash Credits, Insurance, Loan against bonds. Businessmen- Medium Term Loans, Loan against property , loan against gold.
  9. 9. PRODUCTS/SERVICES OFFERED Personal Banking NRI Banking Current Accounts Corporate Banking Term Deposits Small Scale Industries Reinvestment Plan Small Business Finance Public Provident Fund Agriculture Finance Scheme Housing Government Business Loans Car Loans Other Services Education Loans Consumer Durables Loans Personal Loans Loans against Shares & Debentures Gold Loans
  10. 10. Fastest Growing SegmentBusiness Banking • Current Account & Services • Business Loans • Trade services • Advisory Services Microfinancing In Rural & Semi –Urban Areas.
  11. 11. Rural & Semi–Urban Areas 70 % of population lives in Rural areas. Rural Banking & Micro Finance Rural economy(Agriculture+ onagriculture) Consists of 50% of GDP Current Demand For Credit In Rural India Is about 1,33,000. crs Commercial Banks Cover Only 7% of rural sector &large market is still untapped
  12. 12. Possible Rural FinancalInclusions
  13. 13. Criteria Considered forrural areas Tie –Up With Indian Postal Services To Penetrate The Rural Market Partner With NGO To act as Business Facilators Low Cost ATM for wage distribution having local language interface. Increasing Rural Penetration by using methods such as ‘Bank On Wheels’ Using the ATM as mediators for loan Leads