1. RESERVE BANK OF INDIA
A
N
D
STATE BANK OF INDIA
Presenting By:
RANJAN KUMAR
MANMOHAN
UNAIS K C
RAHUL HEDAU
TABREZ A

2. APRIL 1 KNOWN AS…?
1) April Fool / Foolish Day
2) Starting Financial Year
3) RBI Operations begin on April 1
Established 1 April 1935 in Kolkata

3. Reserve Bank of India
भारतीय िरजवर बैक
Logo of RBI The RBI headquarters in Mumbai
Headquarters Mumbai, Maharashtra
Coordinates
18°55′58″N 72°50′13″E / 18.93278°N 72.83694°E / 18.93278; 72.83694Coordinates:
18°55′58″N 72°50′13″E / 18.93278°N 72.83694°E / 18.93278; 72.83694
Established 1 April 1935
Governor Duvvuri Subbarao
Central bank of India
Currency Indian Rupee
ISO 4217 Code INR
Reserves US$300.21 billion (2010)
Base borrowing
rate
6.5%
Base deposit
rate
5.5%
Website rbi.org.in

4. OVERVIEW
The Reserve Bank of India (RBI, Hindi :
भारतीय रिरज़र्वर रबैक) is the central banking
system of India and controls the monetary
policy of the rupee as well as US$300.21
billion (2010 )of currency reserves .
The institution was established on 1 April
1935 during the British Raj in accordance
with the provisions of the Reserve Bank of
India Act, 1934and plays an important part
in the development strategy of the
government. It is a member bank of the
Asian Clearing Union
.
Governor
Dr. D. Subbarao

5. HISTORY of RBI
1935
Operations begin
on April 1
1949
Nationalization
of the Reserve
Bank; Banking
Regulation Act
enacted
1950
India embarks on
planned economic
development.
The Reserve
Bank becomes
active agent and
participant
1966
Cooperative
banks come
under RBI
regulation
1969
Nationalization
of 14 major
commercial
banks
(six more were
nationalized in
1980)
1973
RBI
strengthens
exchange
controls by
amending
Foreign
Exchange
Regulation Act
(FERA)
1974
Introduction of
priority sector
lending
targets
1975
Regional
Rural Banks
set up
1991
India faces
balance of
payment
crisis; pledges
gold to shore
up reserves.
Rupee
devalued
1985
Financial market
reforms begin
with Sukhamoy
Chakravarty
and Vaghul
Committee
Reports
1993
Exchange
rate
becomes
market
determined

6. 1997
Ad hoc treasury
bills phased
out ending
automatic
monetization
1998
Multiple
indicator
approach for
monetary
policy
adopted
1997
Regulation of
Non-Banking
Finance
Companies
strengthened
2000
Foreign
Exchange
Management
Act replaces
FERA
2002
Clearing
Corporation of
India Limited
(CCIL) commences
clearing and
settlement in
government
securities
2003
Fiscal
Responsibility
and Budget
Management
Act enacted
2004
Transition to
a full-fledged
daily liquidity
adjustment
facility (LAF)
completed. Market
Stabilization
Scheme (MSS)
introduced to
sterilise capital
flows
2004
Real Time
Gross
Settlement
System
commences
2005
Focus on
financial
inclusion and
increasing the
outreach of the
banking sector
2006
RBI
empowered
to regulate
money, forex,
G-sec and
gold related
securities
market
1994
Board for
Financial
Supervision
set up

7. 2007
RBI empowered to
regulate Payment
System
2008/9
Pro-active
efforts to
minimize
impacts
of global
financial
crisis

8. FEATURE OF RBI
Banknotes in Mahatma Gandhi Series - Security Features
The Reserve Bank has the sole authority to issue bank notes in India. Reserve Bank,
like other central banks the world over, changes the design of banknotes from time to
time. The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series
since 1996 and has so far issued notes in the denominations of Rs.5, Rs.10, Rs.20,
Rs.50, Rs.100, Rs.500 and Rs.1000 in this series. These notes contain distinct easily
recognizable security features to facilitate the detection of genuine notes vis-à-vis
forgeries.
Denominations of coins and notes in circulation:
Coins in circulation: 25 paise, 50 paise, 1, 2, 5 and 10 Rupee

9. Notes in circulation: Rs. 5, 10, 20, 50,100, 500 and 1000

10. Security Features on Indian
Banknotes
Watermark: The Mahatma Gandhi
Series of banknotes contain the
Mahatma Gandhi watermark with a light
and shade effect and multi-directional
lines in the watermark window.
Latent Image: On the obverse side of Rs.1000,
Rs.500, Rs.100, Rs.50 and Rs.20 notes, a vertical
band on the right side of the Mahatma Gandhi’s
portrait contains a latent image showing the
respective denominational value in numeral. The
latent image is visible only when the note is held
horizontally at eye level.
Intaglio Printing: The portrait of Mahatma
Gandhi, the Reserve Bank seal, guarantee and
promise clause, Ashoka Pillar Emblem on the left,
RBI Governor's signature are printed in intaglio i.e.
in raised prints, which can be felt by touch, in
Rs.20, Rs.50, Rs.100, Rs.500 and Rs.1000 notes.
Micro lettering: This feature appears
between the vertical band and Mahatma Gandhi
portrait. It contains the word ‘RBI’ in Rs.5 and
Rs.10. The notes of Rs.20 and above also
contain the denominational value of the notes in
micro letters. This feature can be seen better
under a magnifying glass.
Identification mark: A special feature in
intaglio has been introduced on the left of the
watermark window on all notes except Rs.10/-
note. This feature is in different shapes for
various denominations (Rs. 20-Vertical
Rectangle, Rs.50-Square, Rs.100-Triangle,
Rs.500-Circle, Rs.1000-Diamond) and helps
the visually impaired to identify the
denomination
Optically Variable Ink
See through Register

11. IN 15 language Printed on RBI Notes

12. Functions
Monetary Authority
The basic functions of the Reserve
Bank of India are to regulate the
issue of Bank notes and the keeping
of reserves with a view to securing
monetary stability in India and
generally to operate the currency and
credit system of the country to its
advantage.
- From the Preamble of
the Reserve Bank of India Act, 1934
The main objectives of monetary policy in India are:
􀂃 Maintaining price stability
􀂃 Ensuring adequate flow of credit to the productive
sectors of the economy to support economic growth
􀂃 Financial stability

13. Functions cont…….
Issuer of Currency
The Reserve Bank is the nation’s sole note issuing authority.
Along with the Government of India, we are responsible for the
design and production and overall management of the nation’s
currency, with the goal of ensuring an adequate supply of clean
and genuine notes. The Reserve Bank also makes sure there
is an adequate supply of coins, produced by the government.
In consultation with the government, we routinely address
security issues and target ways to enhance security features to
reduce the risk of counterfeiting or forgery.
Our Approach
􀂃 The Department of Currency Management in
Mumbai, in cooperation with the Issue Departments
in the Reserve Bank’s regional offices, oversees the
production and manages the distribution of currency.
􀂃 Currency chests at more than 4,000 bank branches—
typically commercial banks—contain adequate
quantity of notes and coins so that currency is
accessible to the public in all parts of the country.
Our note Printing Press at Mysore:
The Reserve Bank is the government’s agent for issue
and distribution of coins

14. Functions cont…….
Banker and Debt Manager
to Government
Managing the government’s banking transactions is a key RBI role. Like individuals,
businesses and banks, governments need a banker to carry out their financial
transactions in an efficient and effective manner, including the raising of resources
from the public. As a banker to the central government, the Reserve Bank
maintains its accounts, receives money into and makes payments out of these
accounts and facilitates the transfer of government funds. We also act as the
banker to those state governments that have entered into an agreement with us.
Banker to Banks
Manager of Foreign Exchange
Regulator of
the Banking System
Like individual consumers, businesses and organizations of
all kinds ,banks need their own mechanism to transfer
funds and settle inter-bank transactions—such as
borrowing from and lending to other banks—and customer
transactions
With the transition to a market-based system for
determining the external value of the Indian rupee, the
foreign exchange market in India gained importance in the
early reform period
Banks are fundamental to the nation’s financial system

15. Management and Structure
The Governor is the Reserve Bank’s chief executive. The Governor supervises
and directs the affairs and business of the Reserve Bank. The management
team also includes Deputy Governors and Executive Directors.
Governor
Dr. D. Subbarao
Deputy Governor
Dr. K. C. Chakrabarty
Deputy Governor
Dr. Subir Gokarn
Deputy Governor
Smt. Shyamala Gopinath
Deputy Governor
Smt. Usha Thorat

17. OVERVIEW
State Bank of India is the nation's largest and oldest bank.
Tracing its roots back some 200 years to the British East India
Company (and initially established as the Bank of Calcutta in 1806), the
bank operates more than 15,000 branches within India, where it also
owns majority stakes in six associate banks.
State Bank of India (SBI) has more than 80 offices in nearly 35 other
countries, including multiple locations in the US, Canada, and Nigeria.
The bank has other units devoted to capital markets, fund
management, factoring and commercial services, credit cards, and
brokerage services. The Reserve Bank of India owns about 60% of
State Bank of India.

18. Cont…..
The government of India nationalized the Imperial Bank of India in 1955,
with the Reserve Bank of India taking a 60% stake, and renamed it the
State Bank of India. In 2008, the government took over the stake held by
the Reserve Bank of India.
SBI provides a range of banking products through its vast network of
branches in India and overseas, including products aimed at non-resident
Indians(NRIs). The State Bank Group, with over 16,000 branches, has the
largest banking branch network in India . Its also considered as the best
bank even abroad ,having around 130 branches overseas
The State Bank of India is the 29th most reputed company in the world
according to Forbes. Also SBI is the only bank to get featured in the
coveted "top 10 brands of India" list in an annual survey conducted by
Brand Finance and The Economic Times in 2010

19. State Bank of India
Type :- Public (NSE: SBIN,BSE: 500112 LSE: SBID)
Industry:- Banking Financial services
Founded :- 1 July 1955
Headquarters :- Mumbai, Maharashtra India
Key people :- O. P. Bhatt(Chairman)
Products :- Investment Banking
Consumer Banking
Commercial Banking
Retail Banking
Private Banking
Asset Management
Pensions
Mortgages
Credit Cards

20. Cont…..
Revenue 133,851 crore (US$29.05 billion)(2010) [1]
Profi 11,733 crore (US$2.55 billion)(2010) [1]
Total assets US$ 323.0 billion (2010)
Total equity US$ 18.5 billion (2010)
Owner(s) Government of India
Employees 200,299 (2010)
Website satebankofindia.com

21. Branches of SBI
State Bank of India has 131 foreign offices in 32 countries across
the globe.
SBI has about 21,000 ATMs; and SBI group(including associate
banks) has about 45,000 ATMs.
SBI has 26,500 branches, including branches that belong to its
associate banks.
SBI includes 99345 officces in our country.

22. Symbol and slogan
The symbol of the State Bank of India is a circle and not key hole and a
small man at the centre of the circle. A circle depicts perfection and the
common man being the centre of the bank's business.
Slogans
With you all the way
Pure banking nothing else
The Banker to every Indian
The Nation banks on us

23. FEATURES
Eligibility:
Minimum age: 18 years as on the date of sanction
Maximum age: 70 years. i.e. the age by which the loan should be
fully repaid, subject to availability of sufficient, regular and
continuous source of income for servicing the loan repayment.
Loan Amount:
Actual loan amount will be determined taking into consideration such
factors as applicant’s income and repaying capacity, age, assets
and liabilities, cost of the proposed house/flat etc.

24. VISION & MISSION
Vision : To Be There All The Time To Secure the
customer against All Odds And live A Safe life
Mission : Providing Excellence In All Walk of life.

25. Competitors
All insurance companies Market share
United india 15.96
Oriental 16.75
Private Companies 18.99
National 20.65
New India 27.65
Total 100
Market share
United india
16%
Oriental
17%
New India
27%
National
21%
Private
Companies
19%
United india
Oriental
New India
National
Private Companies

26. Manpower Required
 Country wide Branch break up
 Business Development : 7
 HR : 2
 Finance : 2
 Back Office : 15
 Branch Head : 1
 IT : 2
 Total Staff Per Branch : 29
 Head Office Requirement : 45

27. New Plans
 Credit insurance
 Short-Term Disability
 Cancer/Specified-Disease
• Launch Place :Launch Place : MumbaiMumbai
• Country Operations : INDIACountry Operations : INDIA
1.1. AhmedabadAhmedabad
2.2. IndoreIndore
3.3. DelhiDelhi
4.4. ChandigarhChandigarh
5.5. CalcuttaCalcutta
6.6. HyderabadHyderabad
7.7. BangaloreBangalore
8.8. GuwahatiGuwahati
9.9. BhubaneshwarBhubaneshwar
10.10.LucknowLucknow

28. Functions of SBI
1.Borrows money
2. Lends money
3. Banker's Bank
4. Government's Bank
5. Remittance
6. Functions as Central Bank
7. Subsidiary functions

29. (1) Borrows money:- The Bank borrows money from
the public by accepting deposits such as current
account deposits, fixed deposits and savings deposits.
(2) Lends money:- It lends money to merchants and
manufacturers for short periods. It also lends to farmers
and co-operative institutions. It lends mostly on the
security of easily realizable commodities like rice,
wheat, cotton, oil-seeds, cloth, gold and government
securities.

30. (3) Banker's Bank:-The State Bank of India acts as the
banker's bank. In discharging this responsibility, the
bank provides loans to commercial bank when required
and also rediscount their bill.
(4) Government's Bank:- The State Bank of India also
acts as the agent of the Reserve Bank of India. As an
agent, the State Bank of India maintains the treasuries
of the State Government.

31. Cont…..
(5) Remittance:- The State Bank of India facilitates remittance of
money from one place to another. It also helps in the transfer on
the funds of the State and Central Government.
(6) Functions as Central Bank:- The State Bank of India
performs the functions of a Central Bank.
(7) Subsidiary functions:- The State Bank performs various
subsidiary services also. It collects checks, drafts, bill of
exchange, dividends interest, salaries and pensions on behalf of
its customers. It purchases and sells securities on behalf of its
customer.

32. Questions?
Thank You!