SBI Basic Info

1. Government Owned Corporation (Arundatthi Bhattacharya)
Banking & Financial Service.
 Founded in 2nd June 1956, Nationalized in 1st July 1955.
Products: Consumer Banking, Finance & Insurance, Savings & Securities, Mortgage Loan.
Headquarters located in Mumbai, India
Merge & Acquired Associates: National bank of Lahore, Bank of Calcutta, Bank of
Saurashtra,
SBM, SBH, Bikaner & Jaipur.
Group Companies: SBI card, SBI Life, SBI Mutual fund.
CLR: 4% & SLR: 22.5% (RBI) meanwhile CLR with SBI: 4.5% (No change)
Repo Rate hiked to 7.75% (RBI) and 8% (SBI)
Revenue Rs.2,10,736 Crore
Profit Rs.17,916 Crore
Total Assets Rs.2374839 Crore
Equity Rs.98,884 Crore
No of Employees 2,22,033 (2014)
No of Branches 14,816 (9851 Rural)
No of ATM’s 43,000+

2. Deposits Rate of Interest (w.e.f 3-5-13)
SB Interest 4% p.a
Domestic term
7-45 days 5%; 46-179 days 7%;
180-365 days 7.25%
1-5 yrs 8.75% (0.50% xtra Senior citizen)
5-10 yrs 8.25%
Loans
Home loan 10.15%
Vehicle loan 10.40%
Gold loan 12.50%
Education loan 13.50% (up to 4 lacs)
Against share 16.50%
Personal loan 18.50%
Agriculture loan 7.50%

3. STRENGTH
Biggest Bank of India.
Special Privilege, has a separate act for
itself.
Biggest branch network.
First public sector to move CBS.
WEEKNESS
Huge amount to staff.
Still carries image of old government sector.
OPPORTUNITY
Can make better use of its CRM.
Expansion into rural areas.
THREAT
New bank license from RBI.
Consolidation among private financiates.
Rage competition from other banks, such as
ICICI, PNB, BOB, HDFC
Balance Sheet As On March’2014
Capital & Liabilities Assets & Properties
Total Share Capital: Rs.684 Crore Cash Bal (RBI) Rs.84,955 Crore
Reserve & Surplus Rs.98,199 Crore Cash Bal (SBI) Rs.47,593 Crore
Total Debt Rs.13,71,922 Crore No Depreciation
Total Rs.17,92,234.60 Crore Total Rs.17,92,234.60 Crore