presentation on the topic of sbi or state bank of india made on dec 2020

1. Presentation Mania
Conducted by IMS Varanasi on Dec/23/2020
B Y S O U M Y A J E E T A N D S A M A R T H
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2. Background & History :
Introduction
B Y S O U M Y A J E E T A N D S A M A R T H
State Bank of India (SBI) is a multinational banking and financial services company based in India.
• Started as Bank of Calcutta in Calcutta(now Kolkata) on 2 June 1806.
• Re-designed as the Bank of Bengal on 2 January 1809.
• Later Bank of Bengal, Bank of Madras and Bank of Bombay were amalgamated to
form Imperial Bank of India on 27 January 1921.
• It was nationalized on 1955 and was renamed as State Bank of India.
• In 2017 SBI’s 5 associate banks were merged to SBI resulting a rise In global ranking from 64 to 45.
It is a government-owned corporation with its headquarters in Mumbai, Maharashtra.
As of March 2020, - It has more than 24000 branches across India and 190+ foreign branches.
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3. How SBI Formed (Timeline)
Introduction
B Y S O U M Y A J E E T A N D S A M A R T H 3
1. BANK OF CALCUTTA-
(BANK OF BENGAL)
2. BANK OF MADRAS
3. BANK OF BOMBAY
IMPERIAL BANK OF
INDIA
(Merged In 1921)
STATE BANK OF
INDIA or SBI
(Nationalised in 1955)
Merger of Five Associate Banks and Bharatiya mahila Bank (in 2017)
1. STATE BANK OF BIKANER & JAIPUR
2. STATE BANK OF HYDERABAD
3. STATE BANK OF PATIALA
4. STATE BANK OF MYSORE
5. STATE BANK OF TRAVANCORE
6. BHARATIYA MAHILA BANK
STATE BANK
OF INDIA
Or SBI

4. The SBI Group
Subsidiaries of SBI (Non-Banking): Subsidiaries of SBI (Banking):
B Y S O U M Y A J E E T A N D S A M A R T H
› SBI Capital Markets Ltd.
› SBI General Insurance Co. Ltd.
› SBI Cards Ltd.
SBI Payment services (p) ltd.
› SBI Global Factors Ltd.
› SBI Funds Management (P) Ltd.
› SBI DFHI Ltd.
› SBI Life Insurance Co. Ltd.
SBI (Canada)
SBI (California)
SBI International (Mauritius) Ltd.
INMB Bank Ltd
Nepal SBI Bank Limited
Bank of Bhutan
Commercial Bank of India LLC
Bank SBI Indonesia
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5. Mission
B Y S O U M Y A J E E T A N D S A M A R T H
• We will be prompt, polite and proactive with our customers.
• We will speak the language of Young India.
• We will create products and services that help our customers achieve their goals.
• We will go beyond the call of duty to make our customers feel valued.
• We will be of service even in the remotest part of our country.
• We will offer excellence in services to those abroad as much as we do to those in India.
• We will imbibe state-of-the-art technology to drive excellence.
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6. B Y S O U M Y A J E E T A N D S A M A R T H
Vision
• My Customer first.
• My SBI: First in customer satisfaction.
• Attain high standards of efficiency and professionalism and core institutional
values comparable to the best in the field.
• To be a committed, caring and responsible corporate citizen.
• To provide a satisfying work environment with opportunities for learning, self-
development
and self-actualization.
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7. B Y S O U M Y A J E E T A N D S A M A R T H
Values
• We will always be honest, transparent and ethical. We will respect our customers and fellow
associates.
• We will be knowledge driven.
• We will learn and we will share our learning.
• We will never take the easy way out.
• We will do everything we can to contribute to the community we work in. We will nurture
pride in India.
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8. Deposit
Accounts
Investment
Services
Loans Mutual
Funds*
Insurance
Services*
• Savings Account
o SBI General
savings A/c
o SBI Savings plus
A/c
o SBI BSBDA A/c
o SBI 3in1 A/c
o SBI Salary A/c
• Current
Account
o SBI Basic Current
A/c
o SBI Premium
Current A/c
• Home Loan
• Car Loan
• Education Loan
• Two-Wheeler
Loan
• Personal Loan
• SBI Life –
Smart
Humsafar
• SBI Life CSC
Saral Sanchay
• SBI Life –
Smart Power
• SBI General
Home
• SBI General
Motor
• SBI General
Travel
Products and Services
SBI offers a plethora of products and services.
• Fixed Deposit
• Recurring Deposit
• Flexi Deposit
• FD RD combo
• Deposit
• SBI BlueChip
Funds
• SBI Debt Funds
• SBI Mixed
Funds
• SBI Equity
Funds
• SBI Gilt Funds
*Mutual Funds services are provided by SBI Asset Management Company.
*Life Insurance services are provided by SBI Life Insurance Company.
*General Insurance services are provided by SBI General Insurance Company.

9. Credit Cards* Broking
Services*
Payment
Gateway*• SBI Shoppers
reward Card.
• SBI Elite Card.
• SBI Magnum Card.
• SBI Online rewards
Card.
• SBI and VISTARA
Card.
• SBI and INDIAN OIL
Card.
• Point of Sale(POS)
Devices.
• Website
Integration
• Escrow Services.
• Etc.
Products and Services
SBI offers a plethora of products and services.
• Dematerialized
Account.
•
• Trading Account.
• Portfolio
Management.
• Stock Research
• Financial Planning
*Credit card facility is provided by SBI Cards ltd
in association with VISA, MASTERCARD, AMEX, RUPAY etc..
*Broking services are given by SBI Securities ltd
* Payment Gateway services are provided by SBI Payments p. ltd.
NRI Services
• NRI Home loans
• NRI Car Loan
•
• Multi currency
account
• Etc.

10. SBI as a STOCK
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*source- economic times
• Stock symbol: SBIN
• Mkt. Cap on 2,40,249(22dec 2020)
• 52 week high: 339.85
• 52 week low : 149.45
• Avg. monthly volume:13,20,234
• 1 year returns: 18.25 percent
• 1 month returns: 17.31 percent
• 5 years CAGR: 11.34 percent

11. SBI as a STOCK
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*source- economic times
3 years stock price of SBI

12. S.W.O.T. Analysis
Weaknesses
• Limited area for Growth
• Customer Service
• Government Intervention
• Same Old Approach in
CRM
Opportunities
• Growing income of population
• Increased use of Technology
• Paperless Processing
• Network of Branches
• Brand Name & Goodwill
• Special Privileges
• Strong Government
Backing
Strengths
Threats
• Increasing NPA
• Less Sophisticated Foreign
Products
• Negligible Innovation
B Y S O U M Y A J E E T A N D S A M A R T H 1 2

13. S.W.O.T. Analysis
Strengths :
• The biggest bank in the country.
• Has a separate act for itself. Thus,
a special privilege.
• Biggest branch network in the
country.
• First public sector to move to CBS.
• Very strong Government support.
Weakness :
• Employees Efficiency level
• Still carries the image of the old
Govt. sector bank.
• Extraordinary Government
intervention.
• Inferior customer service.
B Y S O U M Y A J E E T A N D S A M A R T H 1 3

14. S.W.O.T. Analysis
Opportunities :
• Growing income brackets: There is
a steady growth of per capita
income in India
• Focus on paperless operations.
• Increased use of technology The
urban Indian is very comfortable
with all latest technologies such
as mobile banking, e-services.
Threats :
• 2nd highest NPA(non-performing
asset) in industry.
• Increasing competition from multi-
national banks.
• Unable to capture the young
population(18-25) as a customer.
B Y S O U M Y A J E E T A N D S A M A R T H 1 4

15. B Y S O U M Y A J E E T A N D S A M A R T H
SBI YONO
You Only Need One App:
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• YONO is a holistic app bringing all types of banking services at the user’s fingertips .
Registration Process for SBI YONO
• Install SBI Yono from Google Play Store or App Store.
• Open the app and click “Yes”, if you have internet banking activated.
• On clicking “Yes”, you will be redirected to the login page. Enter your Internet
Banking User ID and Password to access the Yono App.
• If you don’t have Internet Banking login details, Click “No”.
• Click on “Register for YONO with my ATM Card”.
• Enter your CIG Number & Account Number in the fields provided. (These are
mentioned in your passbook.)
• Enter the OTP sent to your registered mobile number and submit.
• Now, to generate username& password, enter your ATM card number and ATM PIN.
• Create your password.

16. B Y S O U M Y A J E E T A N D S A M A R T H
Features of YONO
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Particulars Details
Account View account balance anytime
YONO Pay
•24×7 fund transfers
•Quick bank to bank transfer up to Rs. 10,000
•YONO Cash (Withdraw cash up to Rs. 20,000/day at any SBI ATM without ATM Card)
•BHIM UPI (up to Rs. 1 lakh/day using UPI ID or QR Code)
•Bill Payments (SBI Credit Card Bill/ Prepaid Bill/ DTH Recharge/Other Bill Payments)
E-Deposits Create new FD/RD (FD of minimum Rs. 1,000)
Cards
•View and manage credit/debit cards
•Pay credit card bill
•Request a new credit card
•Block or Activate Debit Card
•Manage PIN
Loans Check loans available (car loan, personal loan, home loan, etc.)
Insurance
•Link existing policy
•Buy new policy
•Retrieve Quote/Application
Investments
•Create a folio
•Invest in Mutual Funds
•Check New Fund Offers
•Invest through SBICAP Securities

17. B Y S O U M Y A J E E T A N D S A M A R T H
Brief Financial Report(Last three years)
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Equities & Liabilities Mar 2020 Mar 2019 Mar 2018-19
Share Capital 892 892 892
Reserves & Surplus 250,167 233,603 229,429
Deposits 3,274,160 2,940,541 2,722,178
Borrowings 332,900 413,747 369,079
Liabilities & Provisions 331,427 293,645 290,238
Total Liabilities 4,197,492 3,888,467 3,616,433
Assets
Fixed Assets 40,078 40,703 41,225
Loans & Advances 2,374,311 2,226,853 1,960,118
Investments 1,228,284 1,119,247 1,183,794
Other Assets 332,900 413,747 369,079
Total Assets 4,197,492 3,888,467 3,616,433 *consolidated figures

18. B Y S O U M Y A J E E T A N D S A M A R T H
Brief Financial Report(Last three years)
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Other Info
Capital Adequacy Ratios
(%)
13 13 13 13 13 Mar 2…016
Gross NPA (%) 6.00 8.00 11.00 7.00 7.00 Mar 2…012
Net NPA (%) 2.23 3.00 6.00 4.00 4.00 Mar 2…08
Contingent Liabilities 1,221,083 1,121,246 1,044,433 1,184,907 1,053,041 Mar 2…01…

19. B Y S O U M Y A J E E T A N D S A M A R T H
Brief Financial Report(Last three years)
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Equities & Liabilities Mar 2020 Mar 2019 Mar 2018
Share Capital 892 892 892
Reserves & Surplus 231,114 220,021 218,236
Deposits 3,241,620 2,911,386 2,706,343
Borrowings 314,655 403,017 362,142
Liabilities & Provisions 163,110 145,597 167,138
Total Liabilities 3,951,393 3,680,914 3,454,752
Assets
Fixed Assets 38,439 39,197 39,992
Loans & Advances 2,325,289 2,185,876 1,934,880
Investments 1,046,954 967,021 1,060,986
Other Assets 314,655 403,017 362,142
Total Assets 3,951,393 3,680,914 3,454,752 *Standalone figures

20. B Y S O U M Y A J E E T A N D S A M A R T H
Brief Financial Report
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Other Info
Capital Adequacy Ratios
(%)
13 13 13 13 13 Mar 2…016
Gross NPA (%) 6.00 8.00 11.00 7.00 7.00 Mar 2…012
Net NPA (%) 2.23 3.00 6.00 4.00 4.00 Mar 2…08
Contingent Liabilities 1,214,994 1,116,081 1,162,020 1,046,440 971,956 Mar 2…01…

21. Brief Financial Report
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22. B Y S O U M Y A J E E T A N D S A M A R T H
CSR at SBI
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• Corporate Social Responsibility:
SBI also actively involves in non-profit activities called “ community service banking” to conduct beyond-banking
business
• The FOCUS areas of the bank’s CSR activities are listed below:
• Supporting Education
• Supporting Healthcare
• Assistance to poor and under-privileged
• Environment Protection
• Help in National Calamities
• To provide seed funding to various start-ups to improve Start-up ecosystem in country.

23. B Y S O U M Y A J E E T A N D S A M A R T H
Our Recommendation
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• Improve customer Service and emphasis on Customer Relations.
• Focus on creating products/Services for young India.
• Improve Employee efficiency and behavior .
• Improve Online Banking Platforms(especially in post Covid time)
• Focus on Corporate Banking Services.

24. B Y S O U M Y A J E E T A N D S A M A R T H
THANK YOU
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