This document provides an overview of the history and operations of State Bank of India. It discusses how SBI originated from three presidency banks (Bank of Bengal, Bank of Bombay, and Bank of Madras) established in the early 19th century in India. These banks amalgamated in 1921 to form the Imperial Bank of India, which later became the State Bank of India. The document outlines SBI's key business areas including national banking, international banking, corporate banking, and treasury operations. It also provides details on SBI's management, shareholding, and the historical business activities of the original presidency banks in India.
The document contains the mission statement, vision statement, and analyses of State Bank of India (SBI).
The mission statements focus on becoming a premier Indian financial institution committed to excellence in customer service and shareholder value, while playing a leading role in India's financial sector.
The vision statements articulate goals such as attaining world-class efficiency and professionalism, maximizing shareholder value, and providing opportunities for employee growth.
Analyses of SBI note political, economic, social, and technological factors that could impact its operations, such as government policies, economic growth trends, demographic shifts, and advancing financial technologies.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
This document provides an analysis of service quality at State Bank of India (SBI).
It begins with an overview of SBI's history, operations, products/services. Chapter 2 discusses the objectives and importance of analyzing service quality gaps.
Chapter 3 examines SBI's internal/external marketing initiatives and strategies. It finds issues with change management and a need to improve customer care.
Chapter 4 analyzes service quality gaps between expected and perceived levels. The largest gaps were in attention to individual customers and personal service.
Key findings show satisfaction levels were higher for reliability, responsiveness and assurance, but lower for tangible factors and empathy.
Recommendations include improving understanding of customer needs, credibility, willingness
ECONOMIC AND FINANCIAL ANALYSIS OF SBI AND BOB Jeetu Matta
This document provides an analysis of State Bank of India (SBI) and Bank of Baroda (BOB). It begins with an executive summary that outlines the objectives of the analysis, which are to examine different government norms, functions, risks, and strategies related to commercial banking in India. It also aims to analyze how economic issues affect the Indian banking sector. The document then provides detailed information on the introduction and functions of banks in India, types of bank accounts, an introduction to SBI and BOB, comparative analysis of banks and non-banking financial institutions, impact of mergers on cost efficiency, government policies related to SBI and BOB, risk management, effects of inflation on commercial banks, data analysis through financial ratios
This document provides a summary of Axis Bank, including its history, organization, markets, and products/services. Some key points:
- Axis Bank was established in 1994 as one of the first new private sector banks in India after reforms allowed private banks.
- It has over 4,000 branches and 12,000+ ATMs across India and 7 international offices.
- The bank offers a wide range of personal, corporate, SME, and investment banking products and services.
- Axis Bank aims to be a preferred financial solutions provider through customer focus, empowered employees, and technology.
This document is a summer training report submitted by Snehlata to fulfill requirements for an MBA degree. It details an empirical analysis of the reasons for low penetration of State Bank of India's scholar loan scheme. The report includes an introduction, objectives, literature review, methodology, data analysis, findings on deficiencies in the loan scheme, conclusions, and recommendations. It was conducted under the supervision of mentors from SBI and BHU during a 2 month summer training period in 2013.
The State Bank of India is the largest bank in India. It was founded in 1955 when the government nationalized the Imperial Bank of India. SBI has over 22,000 branches across India and overseas. It has over 200,000 employees, making it one of the largest employers in the country. SBI provides a variety of banking services including retail banking, corporate banking, investment services, insurance, and credit cards.
This document provides an overview of State Bank of India (SBI), including its history, operations, subsidiaries, competitors, and awards. Some key points:
- SBI is India's largest bank by assets and has a network of over 17,000 branches across India and 180 international offices.
- It has roots dating back to 1806 and was formed by the merger and nationalization of various state-associated banks.
- In addition to traditional banking, SBI has numerous non-banking subsidiaries and five associate banks that operate under the SBI brand.
- Major competitors in the public sector space include Punjab National Bank and major private sector competitors include HDFC Bank.
- SBI has received
The document contains the mission statement, vision statement, and analyses of State Bank of India (SBI).
The mission statements focus on becoming a premier Indian financial institution committed to excellence in customer service and shareholder value, while playing a leading role in India's financial sector.
The vision statements articulate goals such as attaining world-class efficiency and professionalism, maximizing shareholder value, and providing opportunities for employee growth.
Analyses of SBI note political, economic, social, and technological factors that could impact its operations, such as government policies, economic growth trends, demographic shifts, and advancing financial technologies.
Summer internship report submitted to State Bank of India on the topic - “Yo...Deepanjan Das
A Summer internship report submitted to State Bank of India on the topic - “Youth and SBI - Connected or Disconnected”.
Research work done from May 15th 2013 to July 15th 2013.
60 days/ 2 months internship program.
This document provides an analysis of service quality at State Bank of India (SBI).
It begins with an overview of SBI's history, operations, products/services. Chapter 2 discusses the objectives and importance of analyzing service quality gaps.
Chapter 3 examines SBI's internal/external marketing initiatives and strategies. It finds issues with change management and a need to improve customer care.
Chapter 4 analyzes service quality gaps between expected and perceived levels. The largest gaps were in attention to individual customers and personal service.
Key findings show satisfaction levels were higher for reliability, responsiveness and assurance, but lower for tangible factors and empathy.
Recommendations include improving understanding of customer needs, credibility, willingness
ECONOMIC AND FINANCIAL ANALYSIS OF SBI AND BOB Jeetu Matta
This document provides an analysis of State Bank of India (SBI) and Bank of Baroda (BOB). It begins with an executive summary that outlines the objectives of the analysis, which are to examine different government norms, functions, risks, and strategies related to commercial banking in India. It also aims to analyze how economic issues affect the Indian banking sector. The document then provides detailed information on the introduction and functions of banks in India, types of bank accounts, an introduction to SBI and BOB, comparative analysis of banks and non-banking financial institutions, impact of mergers on cost efficiency, government policies related to SBI and BOB, risk management, effects of inflation on commercial banks, data analysis through financial ratios
This document provides a summary of Axis Bank, including its history, organization, markets, and products/services. Some key points:
- Axis Bank was established in 1994 as one of the first new private sector banks in India after reforms allowed private banks.
- It has over 4,000 branches and 12,000+ ATMs across India and 7 international offices.
- The bank offers a wide range of personal, corporate, SME, and investment banking products and services.
- Axis Bank aims to be a preferred financial solutions provider through customer focus, empowered employees, and technology.
This document is a summer training report submitted by Snehlata to fulfill requirements for an MBA degree. It details an empirical analysis of the reasons for low penetration of State Bank of India's scholar loan scheme. The report includes an introduction, objectives, literature review, methodology, data analysis, findings on deficiencies in the loan scheme, conclusions, and recommendations. It was conducted under the supervision of mentors from SBI and BHU during a 2 month summer training period in 2013.
The State Bank of India is the largest bank in India. It was founded in 1955 when the government nationalized the Imperial Bank of India. SBI has over 22,000 branches across India and overseas. It has over 200,000 employees, making it one of the largest employers in the country. SBI provides a variety of banking services including retail banking, corporate banking, investment services, insurance, and credit cards.
This document provides an overview of State Bank of India (SBI), including its history, operations, subsidiaries, competitors, and awards. Some key points:
- SBI is India's largest bank by assets and has a network of over 17,000 branches across India and 180 international offices.
- It has roots dating back to 1806 and was formed by the merger and nationalization of various state-associated banks.
- In addition to traditional banking, SBI has numerous non-banking subsidiaries and five associate banks that operate under the SBI brand.
- Major competitors in the public sector space include Punjab National Bank and major private sector competitors include HDFC Bank.
- SBI has received
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
- Bank of Baroda (BOB) was founded in 1908 in Baroda, India with a paid up capital of Rs. 10 lacs under the leadership of Maharaja Sayajirao Gaekwad III.
- It is currently the third largest public sector bank in India with over 4,283 branches across India and 111 branches overseas.
- Over the years, BOB has grown organically and through mergers and acquisitions. It has expanded its operations across 25 countries globally.
A Final Project Report on SBI Strategic Perfomance"Jawid Joya
State Bank of India (SBI) is India's largest bank. It traces its ancestry back to British rule in India and was nationalized in 1955. SBI has over 17,000 branches worldwide and assets of $388 billion, making it the largest bank in India. It provides a wide range of banking products and services both domestically and internationally through subsidiaries and associates. SBI employs over 228,000 people and continues to be recognized for its social responsibility and leadership in the Indian banking sector.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
Axis Bank is one of India's largest private sector banks established in 1994. It has over 1,900 branches across India and overseas in Singapore, Hong Kong, Shanghai, and Dubai. Axis Bank offers a wide range of banking products including consumer banking, corporate banking, investment banking, wealth management, and insurance. It has over 40,000 employees and total assets of over $54 billion as of 2012. Axis Bank aims to provide best-in-class and technology enabled banking services to both retail and corporate customers.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
Bank of Baroda was founded in 1908 in Baroda, India by the visionary Maharaja of Baroda. It is now the third largest public sector bank in India. The bank has over 4,000 branches across India and over 100 branches internationally. It has a long history of acquisitions and mergers that have expanded its operations and branch network over decades. Bank of Baroda offers a wide range of personal and commercial banking services and products to its customers.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
The document outlines an internship report submitted by Mayank Mulchandani to Medi-Caps University about their summer internship at the State Bank of India branch in Indore. It provides an overview of SBI, including its vision, mission and management team, and describes the objectives, activities, and conclusions from Mulchandani's internship experience. The report identifies areas for SBI to improve such as increasing technology usage, customer service levels, and addressing infrastructure issues to better compete against private sector banks.
A STUDY ON CUSTOMER BEHAVIOUR TOWARDS BANKING SERVICES WITH SPECIAL REFERENCE...Bhavik Parmar
- The banking system in India began in the 18th century with the establishment of banks like The General Bank of India and Bank of Bengal. The operations of all banks in India are regulated by the Reserve Bank of India.
- Banks in India are classified as public sector banks, which are controlled by the government, and private sector banks. Public sector banks dominate the banking sector and account for around 75% of banking advances in India.
- The Indian banking system has grown significantly and now consists of various types of banks including public and private sector banks, foreign banks, rural and cooperative banks. Public sector banks still control around 80% of the banking market share.
The document provides a history and overview of the banking industry in India. It discusses the origins and nationalization of major banks in India in the 20th century. It then summarizes the emergence of private sector banks in India in the 1990s after economic liberalization. The document concludes by providing details on the top 10 banks in India by market capitalization, total assets, employee costs, and customer understanding. It also provides brief overviews of major banks in India such as State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, and others.
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
ICICI Bank is an Indian multinational banking and financial services company headquartered in Mumbai, India. It was founded in 1955 and has over 81,000 employees. ICICI Bank has numerous domestic and international subsidiaries operating in investment banking, life, general and health insurance, asset management, venture capital funds. It has a vision to be the bank of first choice for customers through high quality products and services while contributing positively to markets. ICICI Bank has received several awards for its operations and services.
The document provides an introduction and industry profile of the banking sector in India. It discusses the origin and development of the banking industry in India from 1786 to the present. It outlines the key phases of development as: early phase from 1786 to 1969, nationalization from 1969 to 1991, and the new phase of reforms after 1991. It highlights the growth of the industry post liberalization in the 1990s and details the present status and structure of the banking sector in India including public, private, and foreign banks operating in the country.
Non perfoming assets @ uti bank project report mba financeBabasab Patil
The document discusses non-performing assets (NPAs) and their impact on the profitability of new private sector banks in India. It provides background on the rise of NPAs in the Indian banking system and defines an NPA as an asset where principal and interest payments are overdue by 90 days. The objectives of the study are to analyze RBI norms on NPAs, compare NPA performance and credit risk of new private banks over 3 years, and examine the impact of NPAs on bank profitability. The methodology involves collecting primary data through bank official interviews and secondary data from RBI, IBA, and bank websites. The analysis uses quadrant analysis to study relationships between key financial metrics.
A comparative study of retail banking strategies adopted by various private s...Projects Kart
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
The document is a certificate from Vignana Bharathi Institute of Technology certifying that a student named A. Anil with Roll Number 11P61E0001 submitted a project on "STATE BANK OF INDIA". It lists the project guide as Mr. K. Ajay Kumar and head of the department as Dr. SV. Ramana. The principal of the institution is also listed as having externally validated the project.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The document provides an overview of the State Bank of India (SBI), the largest banking and financial services company in India. It traces SBI's origins back to 1806 with the establishment of the Bank of Calcutta. Through later mergers and acquisitions, including the nationalization of the Imperial Bank of India in 1955, SBI became the predominant commercial bank in India. Today SBI has over 16,000 branches across India and overseas, making it the largest banking network in the country. The document outlines SBI's vision, products and services, leadership structure, subsidiaries, and position as one of the largest banks in the world.
The State Bank of India (SBI) is India's largest bank. It was founded in 1806 and nationalized by the Indian government in 1955. SBI has over 21,500 branches across India and 172 branches in 37 foreign countries. It has assets of over $369 billion and employs over 222,933 people, making it one of India's largest employers. SBI provides various banking services to individuals and businesses, including loans, deposits, credit cards, and investment services.
This document provides an analysis of the services marketing mix of State Bank of India (SBI). It discusses the 7 Ps of the services marketing mix as they relate to SBI. SBI is India's largest bank by assets and offers a wide range of personal and corporate banking products and services. The document outlines SBI's network presence across India and internationally. It then analyzes each element of the services marketing mix for SBI, including their products, pricing strategies, placement or distribution channels, promotion strategies, physical evidence, processes, and people. Key services offered by SBI and strategies employed for each marketing mix element are summarized.
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
- Bank of Baroda (BOB) was founded in 1908 in Baroda, India with a paid up capital of Rs. 10 lacs under the leadership of Maharaja Sayajirao Gaekwad III.
- It is currently the third largest public sector bank in India with over 4,283 branches across India and 111 branches overseas.
- Over the years, BOB has grown organically and through mergers and acquisitions. It has expanded its operations across 25 countries globally.
A Final Project Report on SBI Strategic Perfomance"Jawid Joya
State Bank of India (SBI) is India's largest bank. It traces its ancestry back to British rule in India and was nationalized in 1955. SBI has over 17,000 branches worldwide and assets of $388 billion, making it the largest bank in India. It provides a wide range of banking products and services both domestically and internationally through subsidiaries and associates. SBI employs over 228,000 people and continues to be recognized for its social responsibility and leadership in the Indian banking sector.
CHAPTER:-1
INTRODUCTION OF THE STUDY
The report contains the brief description of the state bank of India. It contains the finding and analysis of the survey conducted to gather primary data to judge the importance of various attributes that influence the satisfaction of customer in different manner and to the different extent. These attributes are classified as initial experience, service delivery experience, relationship experience and grievance handling. Further an attempt has been made to know the overall satisfaction of the customer.
Customer satisfaction, a term frequently used in marketing, is a measure of how products and services supplied by a company meet or surpass customer expectation. Customer satisfaction is defined as "the number of customers, or percentage of total customers, whose reported experience with a firm, its products, or its services (ratings) exceeds specified satisfaction goals. Customer service proves to be one of the most important factors governing business.
OBJECTIVE OF THE STUDY:-
• TO find out the customer feedback i.e. improvement required or suggestion.
• To find out the relationship between bank and the customer.
• To study the Satisfaction of customers towards the ― state bank of India.
• To Identify the factors that influences the customer behavior of ―state bank of India.
• To identify the factors those influence the selection of SBI banking services in MUMBAI DISTRICT.
SCOPE OF THE STUDY:-
The present study was undertaken to know the preference of the customer towards state bank of India (SBI). The problem of the customer is they are not aware of the services provided by their bank. The study also force on the customer perception that how the banking services can be improved. In my study I have used both primary sources of data as well as secondary sources of data.
• The study has been conducted on behalf of ―STATE BANK OF INDIA.
• The study is confined to the Mumbai region.
• The study covers the service providers and users of ―STATE BANK OF INDIA.
• The study has put forward the Customers as well as acceptability behavior for the services.
• The scope of the study is to find out the ―Customer Satisfaction
Limitations of the Study:-
The study report consists of few limitations:-
• The report has been conducted within a limited time frame.
• The study is self financed.
• The study is limited to the customer of Mumbai only.
• Only selected Branches and Banks have been considered for the study.
• Samples were selected conveniently.
• The sample size does not represent the total population.
• The sample of size is limited to 30 only and the sample size may not represent whole market.
LITERATURE REVIEW:-
Axis Bank is one of India's largest private sector banks established in 1994. It has over 1,900 branches across India and overseas in Singapore, Hong Kong, Shanghai, and Dubai. Axis Bank offers a wide range of banking products including consumer banking, corporate banking, investment banking, wealth management, and insurance. It has over 40,000 employees and total assets of over $54 billion as of 2012. Axis Bank aims to provide best-in-class and technology enabled banking services to both retail and corporate customers.
HDFC Bank was one of the first private sector banks established in India in 1994. It has grown to become one of the largest banks in India with over 1,400 branches and 3,295 ATMs across 528 cities. HDFC Bank offers a wide range of banking products and services to both retail and corporate customers through its wholesale and retail banking divisions. It has achieved numerous awards and recognition for its financial performance, innovation, and customer service.
Bank of Baroda was founded in 1908 in Baroda, India by the visionary Maharaja of Baroda. It is now the third largest public sector bank in India. The bank has over 4,000 branches across India and over 100 branches internationally. It has a long history of acquisitions and mergers that have expanded its operations and branch network over decades. Bank of Baroda offers a wide range of personal and commercial banking services and products to its customers.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
The document outlines an internship report submitted by Mayank Mulchandani to Medi-Caps University about their summer internship at the State Bank of India branch in Indore. It provides an overview of SBI, including its vision, mission and management team, and describes the objectives, activities, and conclusions from Mulchandani's internship experience. The report identifies areas for SBI to improve such as increasing technology usage, customer service levels, and addressing infrastructure issues to better compete against private sector banks.
A STUDY ON CUSTOMER BEHAVIOUR TOWARDS BANKING SERVICES WITH SPECIAL REFERENCE...Bhavik Parmar
- The banking system in India began in the 18th century with the establishment of banks like The General Bank of India and Bank of Bengal. The operations of all banks in India are regulated by the Reserve Bank of India.
- Banks in India are classified as public sector banks, which are controlled by the government, and private sector banks. Public sector banks dominate the banking sector and account for around 75% of banking advances in India.
- The Indian banking system has grown significantly and now consists of various types of banks including public and private sector banks, foreign banks, rural and cooperative banks. Public sector banks still control around 80% of the banking market share.
The document provides a history and overview of the banking industry in India. It discusses the origins and nationalization of major banks in India in the 20th century. It then summarizes the emergence of private sector banks in India in the 1990s after economic liberalization. The document concludes by providing details on the top 10 banks in India by market capitalization, total assets, employee costs, and customer understanding. It also provides brief overviews of major banks in India such as State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, and others.
Bank of Baroda is an Indian state-owned bank headquartered in Vadodara, Gujarat. It was founded in 1908 by Maharaja Sayajirao Gaekwad III of Baroda. In 1969, it was nationalized along with 13 other major commercial banks. Today, it has a presence in 22 countries across 5,481 branches. The bank's key functions include accepting deposits, lending funds, and providing other banking and financial services. It has over 55,000 employees serving over 82 million customers globally. Bank of Baroda remains committed to serving customers and augmenting stakeholder value through concern, care and competence.
ICICI Bank is an Indian multinational banking and financial services company headquartered in Mumbai, India. It was founded in 1955 and has over 81,000 employees. ICICI Bank has numerous domestic and international subsidiaries operating in investment banking, life, general and health insurance, asset management, venture capital funds. It has a vision to be the bank of first choice for customers through high quality products and services while contributing positively to markets. ICICI Bank has received several awards for its operations and services.
The document provides an introduction and industry profile of the banking sector in India. It discusses the origin and development of the banking industry in India from 1786 to the present. It outlines the key phases of development as: early phase from 1786 to 1969, nationalization from 1969 to 1991, and the new phase of reforms after 1991. It highlights the growth of the industry post liberalization in the 1990s and details the present status and structure of the banking sector in India including public, private, and foreign banks operating in the country.
Non perfoming assets @ uti bank project report mba financeBabasab Patil
The document discusses non-performing assets (NPAs) and their impact on the profitability of new private sector banks in India. It provides background on the rise of NPAs in the Indian banking system and defines an NPA as an asset where principal and interest payments are overdue by 90 days. The objectives of the study are to analyze RBI norms on NPAs, compare NPA performance and credit risk of new private banks over 3 years, and examine the impact of NPAs on bank profitability. The methodology involves collecting primary data through bank official interviews and secondary data from RBI, IBA, and bank websites. The analysis uses quadrant analysis to study relationships between key financial metrics.
A comparative study of retail banking strategies adopted by various private s...Projects Kart
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
The document is a certificate from Vignana Bharathi Institute of Technology certifying that a student named A. Anil with Roll Number 11P61E0001 submitted a project on "STATE BANK OF INDIA". It lists the project guide as Mr. K. Ajay Kumar and head of the department as Dr. SV. Ramana. The principal of the institution is also listed as having externally validated the project.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The document provides an overview of the State Bank of India (SBI), the largest banking and financial services company in India. It traces SBI's origins back to 1806 with the establishment of the Bank of Calcutta. Through later mergers and acquisitions, including the nationalization of the Imperial Bank of India in 1955, SBI became the predominant commercial bank in India. Today SBI has over 16,000 branches across India and overseas, making it the largest banking network in the country. The document outlines SBI's vision, products and services, leadership structure, subsidiaries, and position as one of the largest banks in the world.
The State Bank of India (SBI) is India's largest bank. It was founded in 1806 and nationalized by the Indian government in 1955. SBI has over 21,500 branches across India and 172 branches in 37 foreign countries. It has assets of over $369 billion and employs over 222,933 people, making it one of India's largest employers. SBI provides various banking services to individuals and businesses, including loans, deposits, credit cards, and investment services.
This document provides an analysis of the services marketing mix of State Bank of India (SBI). It discusses the 7 Ps of the services marketing mix as they relate to SBI. SBI is India's largest bank by assets and offers a wide range of personal and corporate banking products and services. The document outlines SBI's network presence across India and internationally. It then analyzes each element of the services marketing mix for SBI, including their products, pricing strategies, placement or distribution channels, promotion strategies, physical evidence, processes, and people. Key services offered by SBI and strategies employed for each marketing mix element are summarized.
E-Banking Service of SBI Bank provides banking services electronically through online and mobile channels without time or location limitations. It allows customers to access accounts, pay bills, book tickets, and transfer funds remotely. SBI Bank first introduced e-banking services in the 1980s through automated teller machines and telephone banking, and now offers a wide range of services through internet banking including account management, payments, investments, and alerts. While e-banking provides benefits of convenience, lower costs, and expanded customer reach for banks, it also poses security risks and requires computer skills for some customers.
The document discusses internet banking of State Bank of India. It provides background on the author's motivation for the project topic. The objectives are to understand internet banking concepts, aspects of SBI's net banking, perform a SWOC analysis, and provide recommendations. Data will be collected from SBI officials and websites. The project contains 7 chapters covering the company profile, internet banking history, how SBI's works, analysis, and conclusions.
Mobile banking has become the dominant way customers interact with banks, with over half of all banking now taking place via mobile. By 2020, banking will be almost entirely mobile-first. Banks need to focus on optimizing the mobile experience and using mobile data to better understand customers and deliver personalized experiences and marketing. Native mobile messaging can also be used for important operational communications more effectively than traditional channels like email and SMS.
This document is a registration form for resetting an Internet banking profile password with State Bank of India. It requests the applicant's name, account number, date of birth, email address, telephone number, address, and signature. The applicant confirms they have read and understood the terms of service governing Internet banking and agree the transactions executed will be legally binding. The form is to be submitted to and verified by the applicant's branch, with notes on whether the reset password is recommended or rejected.
Risk management in banking a study with reference to state bank of india sbi aIAEME Publication
This document discusses risk management in banking with a focus on credit risk management practices at State Bank of India (SBI) and its associates. It provides an overview of SBI and its subsidiaries, and discusses how SBI has implemented the Basel accords on capital adequacy requirements and approaches credit risk measurement. The document analyzes trends in non-performing assets and capital adequacy ratios at SBI from 2007-2008 to 2012-2013 to assess its risk management practices.
The document summarizes how State Bank of India (SBI) has transformed into a successful public sector bank through organizational restructuring, strong corporate governance, leadership development, internal controls, product innovation, and human resource management. It details how SBI adapted its structure over time to focus on customer segments and established strategic business units. SBI practices independent corporate governance through its board of directors and committees. It also plans for leadership succession and evaluates decisions through committee processes. SBI maintains strong internal controls and innovates new products to meet customer needs. Finally, it invests in the training and development of its large pool of professional human resources.
Indian Banking Industry
Banking & Bank
History of Banking
Revolution of Banking
Types of Banks
Top player in Bank
Role of banking sector
Indian banking sector at a glance
Growth of banking sector in India
Employment Opportunities
State Bank of India
Mission & Values
Business Segments
SBI Growth
Financial Performance
The document discusses the history and evolution of banking in India from ancient times to modern times. It covers the origins of banking in India, the pre-independence and post-independence banking systems, nationalization of banks in 1969 and 1980, types of banks in India including commercial banks, development banks and cooperative banks, policies of liberalization in the 1990s, and the increasing globalization of the Indian banking sector. It also provides details about the Bank of India as an example of a major public sector bank.
The document discusses recruitment and selection processes for banking sector jobs at State Bank of India and Standard Chartered Bank. It provides details on eligibility criteria, application process, selection process including written exams and interviews for clerk and probationary officer roles at SBI. For Standard Chartered Bank, it outlines applying for management associate roles and various phases of selection including training. The conclusion emphasizes benefits of internal hiring if seen as fair but risks if viewed as unfair.
The State Bank of India (SBI) is India's largest bank. It has over 13,000 branches within India and 190 foreign offices internationally. SBI employs over 200,000 people and has over $3 trillion in assets and deposits. It offers a wide range of personal, corporate, government, and agricultural banking products and services to its customers. SBI has seen significant growth in recent years through expanding its branch network, increasing deposits and loans, and acquiring other banks.
The document is a project report comparing housing loans provided by SBI and HDFC Bank. It discusses the objectives of the study, flow of presentation, introduction to housing loans, types of loans, advantages and disadvantages. It provides details about the procedures to get a loan and documents required. It then examines the features, interest rates and eligibility criteria of loans offered by SBI and HDFC Bank. Finally, it compares the key differences between loans offered by the two banks.
1. The Reserve Bank of India is the central bank of India established in 1935 under the RBI Act. It holds an apex position in the banking structure and performs developmental and promotional functions.
2. Commercial banks accept deposits, provide loans and related services. They include public sector banks like SBI, private sector banks like ICICI and HDFC, foreign banks like Citi and HSBC, and regional rural banks that provide credit to agriculture and rural development.
3. Cooperative banks were established to provide rural credit. They have a three-tier structure with state cooperative banks at the apex level, central cooperative banks at the district level, and primary cooperative banks at the local level.
In India, commercial banks are the oldest, largest and fastest growing financial intermediaries. They have been playing a very important role in the process of development. In 1949 RBI was nationalized followed by nationalization of Impearl Bank of India (New State Bank Of India) in 1995.
Financial sector is treated as to be the back bone of the economy. The quality in the working of financial sector truly impacts the profitability of the banks which as a whole impacts the economy and GDP of a country. Thus, it is important to explore the impact of reforms on the profitability of Indian banks. The paper focuses on the impact of reforms on profitability of Indian banks. This research will evolve the performance of financial institutions only after 1998 and in the wake of Narsimham Committee II.
The study is micro economic in nature and seeks to analyze the productivity of banking systems. Here an attempt has been made to examine the impact of reforms. The impact of reforms on the profitability of Indian banks has been examined on the basis of following parameters: Interest income to total assets, Operating Profit to Total Asset, Return on Asset and Return on Advances. More importantly such analysis is useful in enabling policymaker to identify the success or failure of policy initiative or alternatively highlight different strategies undertaken by banking firms which contribute to their success. Here an attempt has been made to examine the impact of banking reforms on profitability of Indian banking industry.
GROWTH PHASE IN INDIAN BANKING SECTOR
In over five decades since dependence, banking system in India has passed through five distinct phase, viz.
(1) Evolutionary Phase (prior to 1950)
(2) Foundation phase (1950-1968)
(3) Expansion phase (1968-1984)
(4) Consolidation phase (1984-1990)
(5) Reformatory phase (since 1990)
The banking industry in India is governed by the Banking Regulation Act of 1949. It began in the late 18th century and saw major developments post-independence including the nationalization of banks in 1969. Today it includes both public and private sector banks as well as foreign banks. The industry has grown significantly in size and now includes over 67,000 branches across the country. However, it also faces challenges such as a lack of expertise in new products, increasing competition, and the impact of global financial crises. New trends include a focus on customer centricity, staff efficiency, and greater use of technology.
The document discusses credit appraisal in the banking sector. Credit appraisal is the process used by banks to evaluate a loan applicant's creditworthiness before providing a loan. It involves investigating the applicant's financial condition, repayment capacity, collateral, and other factors. Banks consider the 3Cs - character, capacity, and collateral. The credit appraisal process at State Bank of India involves preliminary assessment, documentation, sanctioning/approval, disbursement, and post-sanction monitoring. SBI has quantitative and qualitative standards for credit appraisal and uses a rating scale to assess risk levels of borrowers.
The document provides an overview of State Bank of India, including its history dating back to 1806, key areas of operations such as national banking, international banking, and corporate banking, and its large branch network across India and overseas. It discusses SBI's management structure and awards, as well as its competitors and strengths/opportunities and weaknesses/threats. The document aims to give background information on SBI to understand its loan products and customers' perceptions of those products.
The document discusses the Reserve Bank of India (RBI), which serves as India's central bank, and its role in regulating commercial banks in India. It outlines the history and organizational structure of the RBI, its key functions including monetary policy, banking supervision, and currency management. The document also describes the different types of commercial banks that operate in India, including public sector banks, private sector banks, and foreign banks.
Details as on year end 2017 and 2016
1. Capital of the bank
2. Loan portfolio details (means exposure to different types of loans)
3. Different types of loans made available at the bank with rate of interest if possible
4. Details of NPA, restructured loans, loans in dispute
5. Story of any major scams if at all
The document is a project report on State Bank of India (SBI). It discusses SBI's history dating back to 1806, current board of directors, services offered, branches and achievements. It provides an overview of SBI as the largest bank in India including its subsidiaries, evolution over time through nationalization in 1955, and standing today as the largest bank by assets and market share.
The document is a certificate from Vignana Bharathi Institute of Technology certifying that a student named A. Anil with Roll Number 11P61E0001 submitted a project on "STATE BANK OF INDIA". It lists the project guide as Mr. K. Ajay Kumar and head of the department as Dr. SV. Ramana. The principal of the institution is also listed as having externally validated the project.
The document summarizes the banking structure in India. It discusses the central bank (Reserve Bank of India), the types of scheduled commercial banks (public sector, private sector, foreign), and other financial institutions. The main types of banking in India are walk-in banking, drive-thru banking, ATM banking, online/internet banking, and mobile banking. The Reserve Bank of India regulates and oversees the entire banking system.
The document provides an overview of the Reserve Bank of India (RBI), which serves as India's central bank. It discusses the RBI's history, key roles, organizational structure, and objectives. The RBI regulates banking, manages currency and foreign exchange, acts as both a commercial and development bank, and uses various tools to influence monetary policy. It aims to promote financial stability and an advanced banking system in support of India's economic growth.
The Reserve Bank of India (RBI) plays several important roles in the Indian banking system including serving as the central bank, monetary authority, regulator of the banking sector, manager of foreign exchange, and banker to the government. The RBI controls monetary policy, issues currency, grants banking licenses, oversees payment systems, acts as the lender of last resort, and works to modernize and digitize the banking system through initiatives like RuPay.
This document provides an overview of the banking system in India. It begins with a brief history of banking in India starting in the late 18th century. It then defines what a bank is and describes the major components of the Indian banking system, including the Reserve Bank of India, scheduled banks (commercial and cooperative), and non-scheduled banks. The document outlines the various types of commercial and cooperative banks and their characteristics. It also discusses some of the challenges faced by banks in India as well as their contributions to the Indian economy. The conclusion emphasizes the important role of banks in India and how financial reforms have improved the system.
eefect of monitry policy on banking sectrorpreety10
This document is a project report submitted by Shweta Tandon to Punjab University exploring the effect of monetary policy on the banking sector of Punjab State Cooperative Bank. The report includes an introduction, literature review, research methodology, analysis and findings on how interest rates and other monetary policy tools impact banks. It was conducted under the supervision of Vijay Laxmi and aims to fulfill the requirements for a Bachelor of Business Administration degree.
The document provides an overview of the banking system in India. It discusses the origins and evolution of banking in India from money lenders to the establishment of the Reserve Bank of India in 1935. Key events include the nationalization of major private banks in 1969 and 1980 to promote financial inclusion and priority sector lending. The banking sector was further reformed in the 1990s on the recommendations of the Narasimham Committee, liberalizing and opening the sector to private and foreign banks. Today the Indian banking sector is dominated by public sector, private sector, and foreign banks and has grown but still faces challenges of furthering financial inclusion across India.
Customer satisfaction level towards the service provided by the co operative ...Pritesh Radadiya
In this report all services of the SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. Like loan facility, locker facility, fixed deposit facility and followed by other services provided by the bank have been analyzed and rehired with the help of primary data.
We have tried our level best to include each and special features of SHREE RAJKOT DISTRICT CO-OPERATIVE BANK. in this report.
Each part begins with an introduction section to know what actually does it means.
The very first part of the report starts with the history of banking and followed by the company’s information and analysis of primary data.
This document provides an overview of the State Bank of India (SBI), including its history, products/services, and organizational structure. It discusses that SBI was formed in 1955 and took over the operations of the Imperial Bank of India. Today, SBI owns 28% of India's banking network and has over 70,000 offices nationwide, making it the largest bank in India. The document also notes that SBI is working to computerize its branches to improve services and is developing new products to better serve customers.
This document provides an overview of the Reserve Bank of India (RBI), including its establishment, functions, departments, banking structure, types of banks, monetary policy tools, and reform initiatives. Key points include:
- RBI was established in 1935 under the RBI Act and is India's central bank, headquartered in Mumbai.
- Its key functions include monetary authority, regulator of the financial system, manager of foreign exchange, issuer of currency, and developmental and promotional roles.
- To carry out its operations, RBI has various departments including Banking, Issue, Currency Management, and those focused on government accounts and banking supervision.
- Tools of monetary policy used by RBI include repo/reverse
This document provides an overview of the history and development of banking in India. It discusses the establishment of the first commercial bank in 1881 and key events like the Swadeshi movement and banking crises that led to increased regulation. It also summarizes the nationalization of major banks in 1969 and 1980. The document then defines banks and describes the primary roles of banks in facilitating savings, lending, and business transactions. It outlines different types of banks that operate in India including commercial banks, cooperative banks, and specialized development banks. It provides details on the functions of commercial banks like accepting deposits and granting loans and advances. Finally, it briefly introduces non-banking financial companies (NBFCs) and their regulation by the Reserve Bank of
1) The document provides an overview of the Reserve Bank of India (RBI) and State Bank of India (SBI). RBI is the central banking system of India that was established in 1935 and is headquartered in Mumbai. It controls monetary policy and currency reserves. SBI is the largest bank in India, tracing its roots back to 1806, and has over 15,000 branches nationally and internationally.
2) RBI functions include monetary policy, issuing currency, managing the government's finances, regulating other banks, and overseeing foreign exchange. It aims to maintain price stability and adequate credit flow.
3) SBI started as Bank of Calcutta and was nationalized in 1955. It
The document summarizes the history and development of banking in India. It discusses how banking originated in the late 18th century and the oldest existing bank is State Bank of India. It then covers the nationalization of banks in 1969 and 1980, the introduction of private banks in 1990s, and the major functions and regulatory tools of the Reserve Bank of India such as Cash Reserve Ratio, Statutory Liquidity Ratio, repo rate, reverse repo rate, and bank rate which are used to control money supply and credit in the economy.
The simplified electron and muon model, Oscillating Spacetime: The Foundation...RitikBhardwaj56
Discover the Simplified Electron and Muon Model: A New Wave-Based Approach to Understanding Particles delves into a groundbreaking theory that presents electrons and muons as rotating soliton waves within oscillating spacetime. Geared towards students, researchers, and science buffs, this book breaks down complex ideas into simple explanations. It covers topics such as electron waves, temporal dynamics, and the implications of this model on particle physics. With clear illustrations and easy-to-follow explanations, readers will gain a new outlook on the universe's fundamental nature.
Physiology and chemistry of skin and pigmentation, hairs, scalp, lips and nail, Cleansing cream, Lotions, Face powders, Face packs, Lipsticks, Bath products, soaps and baby product,
Preparation and standardization of the following : Tonic, Bleaches, Dentifrices and Mouth washes & Tooth Pastes, Cosmetics for Nails.
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
ISO/IEC 27001, ISO/IEC 42001, and GDPR: Best Practices for Implementation and...PECB
Denis is a dynamic and results-driven Chief Information Officer (CIO) with a distinguished career spanning information systems analysis and technical project management. With a proven track record of spearheading the design and delivery of cutting-edge Information Management solutions, he has consistently elevated business operations, streamlined reporting functions, and maximized process efficiency.
Certified as an ISO/IEC 27001: Information Security Management Systems (ISMS) Lead Implementer, Data Protection Officer, and Cyber Risks Analyst, Denis brings a heightened focus on data security, privacy, and cyber resilience to every endeavor.
His expertise extends across a diverse spectrum of reporting, database, and web development applications, underpinned by an exceptional grasp of data storage and virtualization technologies. His proficiency in application testing, database administration, and data cleansing ensures seamless execution of complex projects.
What sets Denis apart is his comprehensive understanding of Business and Systems Analysis technologies, honed through involvement in all phases of the Software Development Lifecycle (SDLC). From meticulous requirements gathering to precise analysis, innovative design, rigorous development, thorough testing, and successful implementation, he has consistently delivered exceptional results.
Throughout his career, he has taken on multifaceted roles, from leading technical project management teams to owning solutions that drive operational excellence. His conscientious and proactive approach is unwavering, whether he is working independently or collaboratively within a team. His ability to connect with colleagues on a personal level underscores his commitment to fostering a harmonious and productive workplace environment.
Date: May 29, 2024
Tags: Information Security, ISO/IEC 27001, ISO/IEC 42001, Artificial Intelligence, GDPR
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How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
How to Build a Module in Odoo 17 Using the Scaffold MethodCeline George
Odoo provides an option for creating a module by using a single line command. By using this command the user can make a whole structure of a module. It is very easy for a beginner to make a module. There is no need to make each file manually. This slide will show how to create a module using the scaffold method.
Thinking of getting a dog? Be aware that breeds like Pit Bulls, Rottweilers, and German Shepherds can be loyal and dangerous. Proper training and socialization are crucial to preventing aggressive behaviors. Ensure safety by understanding their needs and always supervising interactions. Stay safe, and enjoy your furry friends!
1. [Publish Date]
RAJAN NATH
Acknowledgement………………………………………………………………...
Executive Summary……………………..........................................................
Chapter 1…………………………………………………………………………..
Company Profile
Overview…………………………………………………………………...
History……………………………………………………………………...
Competitors…………………………………...…………………………....
Strength/Opportunity & weakness/Threats………………………………...
Different Products……………………...………….………………………
Awards & Recognitions by SBI……….………………………………......
Chapter 2…………………………………………………………………………..
Introduction to Advance Product...…………………………….……………
SBI Advance Product.…………………………………………………….....
Statement the Problem…………………………………………………….....
Research objectives…………………………………………...…………….,,
Significance and scope……………………………………………………...,,
Chapter 3………………………………………………………………………….
Research methodology
Chapter 4 ………………………………………………………………………...
Analysis of data
Chapter 5………………………………………………………………………....
Findings……………………………………………………………………
Suggestion & Recommendation……………………………………...……
Conclusion…………………………………………………………………
Annexure (Questionnaire)………….……………………………………………
Bibliography………………………………………………………………….…...
2. [Publish Date]
RAJAN NATH
Executive Summary
This project report contains 5 different chapters. The report begins with the introduction to
company, its area of operation, its organization structure, its achievements, etc.
The second chapter is the introduction to the Advance Product which gives a brief idea
regarding ADVANCE PRODUCT of SBI MAIN BRANCH, BBSR where the project is
undertaken. It also contains the objectives and limitations of the project.
The third chapter, methodology adopted in preparing this report is mentioned. It covers the
sample procedure, types of data used and the data collection method.
The fourth chapter comprehensive coverage of forecasting concepts and techniques which
shows the analysis of data through tabulation, computation and graphical representation
of data collected from survey.
The fifth chapter deals with the findings, suggestion & conclusion part which is very much
important after analysis is made.
As we know that only analysis and conclusion is not the end of a research, so in the sixth
chapter the recommendation part is covered which are made after a depth study of the
analysis part of thesis.
In each of the five chapters as described above, every chapter has been scheduled in a
manner so as to enable the reader to appreciate the contents easily. The report is
supported by figures and data wherever necessary with a view to assist the reader in
developing a clear cut understanding of the topic.
I hope this report will be extremely useful for those it is meant. Constructive and healthy
suggestions for improvements of the report will be great fully appreciated.
Rajan Nath
3. [Publish Date]
RAJAN NATH
Company Profile
Overview
History
Competitors
Strength/Opportunity & Weakness/Threats
Different Products
Awards & Recognitions by SBI
4. [Publish Date]
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OVERVIEW
State Bank of India is the largest and one of the oldest commercial bank in India, in
existence for more than 200 years. The bank provides a full range of corporate,
commercial and retail banking services in India. Indian central bank namely Reserve
Bank of India (RBI) is the major share holder of the bank with 59.7% stake. The bank is
capitalized to the extent of Rs.646bn with the public holding (other than promoters) at
40.3%. SBI has the largest branch and ATM network spread across every corner of
India. The bank has a branch network of over 14,000 branches (including subsidiaries).
Apart from Indian network it also has a network of 73 overseas offices in 30 countries in
all time zones, correspondent relationship with 520 International banks in 123 countries.
In recent past, SBI has acquired banks in Mauritius, Kenya and Indonesia. The bank
had total staff strength of 198,774 as on 31st March, 2006. Of this, 29.51% are officers,
45.19% clerical staff and the remaining 25.30% were sub-staff. The bank is listed on the
Bombay Stock Exchange, National Stock Exchange, Kolkata Stock Exchange, Chennai
Stock Exchange and Ahmedabad Stock Exchange while its GDRs are listed on the
London Stock Exchange. SBI group accounts for around 25% of the total business of
the banking industry while it accounts for 35% of the total foreign exchange in India.
With this type of strong base, SBI has displayed a continued performance in the last few
years in scaling up its efficiency levels. Net Interest Income of the bank has witnessed a
CAGR of 13.3% during the last five years. During the same period, net interest margin
(NIM) of the bank has gone up from as low as 2.9% in FY02 to 3.40% in FY06 and
currently is at 3.32%.
Management
The bank has 14 directors on the Board and is responsible for the management of the
Bank’s business. The board in addition to monitoring corporate performance also
carries out functions such as approving the business plan, reviewing and approving the
annual budgets and borrowing limits and fixing exposure limits. Mr. O. P. Bhatt is the
Chairman of the bank. The five-year term of Mr. Bhatt will expire in March 2011. Prior to
this appointment, Mr. Bhatt was Managing Director at State Bank of Travancore. Mr.
Bhatt has more than 30 years of experience in the Indian banking industry and is seen
as futuristic leader in his approach towards technology and customer service. Mr. Bhatt
has had the best of foreign exposure in SBI. We believe that the appointment of Mr.
Bhatt would be a key to SBI’s future growth momentum. Mr. T S Bhattacharya is the
Managing Director of the bank and known for his vast experience in the banking
industry. Recently, the senior management of the bank has been broadened
considerably. The positions of CFO and the head of treasury have been segregated,
and new heads for rural banking and for corporate development and new business
banking have been appointed. The management’s thrust on growth of the bank in terms
of network and size would also ensure encouraging prospects in time to come.
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Shareholding& Liquidity
Reserve Bank of India is the largest shareholder in the bank with 59.7% stake followed
by overseas investors including GDRs with 19.78% stake as on September 06. Indian
financial institutions held 12.3% while Indian public held just 8.2% of the stock. RBI is
the monetary authority and having majority shareholding reflects conflict of interest.
Now the government is rectifying the above error by transferring RBI’s holding to itself.
Post this, SBI will have a further headroom to dilute the GOI’s stake from 59.7% to
51.0%, which will further improve its CAR and Tier I ratio.
Key Areas of Operations
The business operations of SBI can be broadly classified into the key income generating areas
such as National Banking, International Banking, Corporate Banking, & Treasury operations.
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HISTORY
The origin of the State Bank of India goes back to the first decade of the nineteenth
century with the establishment of the Bank of Calcutta in Calcutta on 2 June 1806.
Three years later the bank received its charter and was re-designed as the Bank of
Bengal (2 January 1809). A unique institution, it was the first joint-stock bank of British
India sponsored by the Government of Bengal. The Bank of Bombay (15 April 1840)
and the Bank of Madras (1 July 1843) followed the Bank of Bengal. These three banks
remained at the apex of modern banking in India till their amalgamation as the Imperial
Bank of India on 27 January 1921.
Primarily Anglo-Indian creations, the three presidency banks came into existence either
as a result of the compulsions of imperial finance or by the felt needs of local European
commerce and were not imposed from outside in an arbitrary manner to modernise
India's economy. Their evolution was, however, shaped by ideas culled from similar
developments in Europe and England, and was influenced by changes occurring in the
structure of both the local trading environment and those in the relations of the Indian
economy to the economy of Europe and the global economic framework.
The three banks were governed by royal charters, which were revised from time to time.
Each charter provided for a share capital, four-fifth of which were privately subscribed
and the rest owned by the provincial government. The members of the board of
directors, which managed the affairs of each bank, were mostly proprietary directors
representing the large European managing agency houses in India. The rest were
government nominees, invariably civil servants, one of whom was elected as the
president of the board.
Group Photograph of Central Board (1921)
7. [Publish Date]
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Business
The business of the banks was initially confined to discounting of bills of exchange or
other negotiable private securities, keeping cash accounts and receiving deposits and
issuing and circulating cash notes. Loans were restricted to Rs.one Lakh and the period
of accommodation confined to three months only. The security for such loans was
public securities, commonly called Company's Paper, bullion, treasure, plate, jewels, or
goods 'not of a perishable nature' and no interest could be charged beyond a rate of
twelve per cent. Loans against goods like opium, indigo, salt woolens, cotton, cotton
piece goods, mule twist and silk goods were also granted but such finance by way of
cash credits gained momentum only from the third decade of the nineteenth century. All
commodities, including tea, sugar and jute, which began to be financed later, were
either pledged or hypothecated to the bank. Demand promissory notes were signed by
the borrower in favor of the guarantor, which was in turn endorsed to the bank. Lending
against shares of the banks or on the mortgage of houses, land or other real property
was, however, forbidden. Indians were the principal borrowers against deposit of
Company's paper, while the business of discounts on private as well as salary bills was
almost the exclusive monopoly of individuals Europeans and their partnership firms. But
the main function of the three banks, as far as the government was concerned, was to
help the latter raise loans from time to time and also provide a degree of stability to the
prices of government securities.
First Five Year Plan
In 1951, when the First Five Year Plan was launched, the development of rural India
was given the highest priority. The commercial banks of the country including the
Imperial Bank of India had till then confined their operations to the urban sector and
were not equipped to respond to the emergent needs of economic regeneration of the
rural areas. In order, therefore, to serve the economy in general and the rural sector in
particular, the All India Rural Credit Survey Committee recommended the creation of a
state-partnered and state-sponsored bank by taking over the Imperial Bank of India, and
integrating with it, the former state-owned or state-associate banks. An act was
accordingly passed in Parliament in May 1955 and the State Bank of India was
constituted on 1 July 1955. More than a quarter of the resources of the Indian banking
system thus passed under the direct control of the State. Later, the State Bank of India
(Subsidiary Banks) Act was passed in 1959, enabling the State Bank of India to take
over eight former State-associated banks as its subsidiaries (later named Associates).
The State Bank of India was thus born with a new sense of social purpose aided by the
480 offices comprising branches, sub offices and three Local Head Offices inherited
from the Imperial Bank. The concept of banking as mere repositories of the community's
savings and lenders to creditworthy parties was soon to give way to the concept of
purposeful banking sub serving the growing and diversified financial needs of planned
economic development. The State Bank of India was destined to act as the pacesetter
in this respect and lead the Indian banking system into the exciting field of national
development.
8. [Publish Date]
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COMPETITORS
Competitors and other players in the field:-
1. Top Performing Public SectorBanks
1. Andhra Bank
2. Allahabad Bank
3. Punjab National Bank
4. Dena Bank
5. Vijaya Bank
2. Top Performing Private SectorBanks
1. HDFC Bank
2. ICICI Bank
3. AXIS Bank
4. Kotak Mahindra Bank
5. Centurion Bank of Punjab
Top Performing ForeignBanks
1. Citibank
2. Standard Chartered
3. HSBC Bank
4. ABN AMRO Bank
5. American Express
9. [Publish Date]
RAJAN NATH
: Strength/ Opportunities :
The growth for SBI in the coming years is likely to be fuelled by the following factors:
Continued effort to increase low cost deposit would ensure improvement in NIMs
and hence earnings.
Growing retail & SMEs thrust would lead to higher business growth.
Strong economic growth would generate higher demand for funds pursuant to
higher corporate demand for credit on account of capacity expansion.
: Weakness/ Threats :
The risks that could ensue to SBI in time to come are as under:
SBI is currently operating at a lowest CAR. Insufficient capital may restrict the
growth prospects of the bank going forward.
Stiff competition, especially in the retail segment, could impact retail growth of SBI
and hence slowdown in earnings growth.
Contribution of retail credit to total bank credit stood at 26%. Significant thrust on
growing retail book poses higher credit risk to the bank.
Delay in technology up gradation could result in loss of market shares.
Management indicated a likely pension shortfall on account of AS-15 to be close to
Rs50bn.
Slow down in domestic economy would pose a concern over credit off-take thereby
impacting earnings growth.
10. [Publish Date]
RAJAN NATH
: DIFFERENT PRODUCTS OF SBI :
DEPOSIT LOANS CARDS DIFFERENT CREDIT
CARDS
Savings
Account
Home
Loans
Consumer
Cards
SBI International
cards
Life Plus
Senior Citizens
Savings
Account
Loan
Against
Property
Credit Card SBI Gold cards
Fixed
Deposits
Personal
Loans
Travel Card SBI Gold Master
cards
Security
Deposits
Car Loan Debit Cards Your City Your
Cards
Recurring
Deposits
Loans
against
Securities
Commercial
Cards
Tax-Saver
Fixed Deposit
Two
Wheeler
Corporate
Cards
Partnership Cards
Salary Account Pre-
approved
Loans
Prepaid Card
Advantage
Woman
Savings
Account
Retail Asset Purchase Card SBI Employee
Cards
Rural Savings
Account
Farmer
Finance
Distribution
Cards
People's
Savings
Account
Business
Installment
Loans
Business Card SBI Advantage
Cards
Freedom
Savings
Account
Flexi Cash Merchant
Services
13. [Publish Date]
RAJAN NATH
Introduction to Advance Product
SBI Advance Product
Statement the Problem
Research objectives
Significance and scope
14. [Publish Date]
RAJAN NATH
: Introduction to Advance Product :
Now a day not all the people have the capacity to fulfill their requirement by their
own earning, that’s why they need help from others. For this so many government &
private sector bank provide them money to fulfill their requirement, that’s call the
Advance Product (loan product) of the bank. All the banks have so many different
types of advance product as per the requirement of the people or customers. In
Bhubaneswar also there are so many banks those provide loan to the people for
different causes.
Types of Advance Product
Home Loan
Educational Loan
Car Loan
Personal Loan
Property Loan
Loan Against SharesDebentures
Etc.
Now a day a large no. of people are taking loan form different banks. It helps people
to fulfill their need and it really easy to repayment the loan amount with a longer
repayment period.
15. [Publish Date]
RAJAN NATH
: SBI Advance Product :
SBI Home Loans:
Purpose
1. Purchase/ Construction of House/ Flat
2. Purchase of a plot of land for construction of House
3. Extension/ repair/ renovation/ alteration of an existing House/ Flat
4. Purchase of Furnishings and Consumer Durables as a part of the project cost
5. Takeover of an existing loan from other Banks/ Housing Finance Companies.
Eligibility
1. Minimum age 18 years as on the date of sanction
2. Maximum age limit for a Home Loan borrower is fixed at 70 years, i.e. the
age by which the loan should be fully repaid.
Availability of sufficient, regular and continuous source of income 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
Upto Rs.2 lacs 40%
Above Rs.2 lac to Rs. 5 lacs 50%
Above Rs. 5 lacs 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
steady income and his/ her salary account is maintained with SBI.
2. Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is
proposed to be rented out.
3. Depreciation, subject to some conditions.
4. Regular income from all sources
16. [Publish Date]
RAJAN NATH
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%
Interest Rates w.e.f 27.2.2008
Floating interest rates
(linked to State Bank Advance Rate - SBAR)
(SBAR: 12.25% p.a.)
Loan
Tenor ->
Upto 5 years
Above 5 years
and upto 15 years
Above 15 years and
upto 25 years
Upto Rs.30
Lacs
2.25% below
SBAR, 10.00% p.a.
2.00% below
SBAR, 10.25% p.a.
1.75% below
SBAR, 10.50% p.a.
Above
Rs.30 Lacs
2.00% below
SBAR, 10.25% p.a.
1.75% below
SBAR, 10.50% p.a.
1.50% below
SBAR, 10.75% p.a.
Fixed interest rates
Tenure Rate of Interest
(p.a.)*Upto 10 years 12.75%
* Fixed rate loans will be subject to: 'force maejure' clause and interest reset at the end
of every two years on the basis of fixed interest rates prevailing then.
CAR LOAN:
Purpose
You 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)
17. [Publish Date]
RAJAN NATH
Eligibility
To avail an SBI Car Loan, you should be :
Individual between the age 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 assessee or
A Person engaged in agriculture and allied activities.
Net Annual Income Rs. 100,000/- and above.
Salient Features
Loan Amount
There is no upper limit for the amount of a car loan. A maximum loan amount of 2.5
times the net annual income can be sanctioned. If married, your spouse's income could
also be considered provided the spouse becomes a co-borrower in the loan. The loan
amount includes finance for one-time road tax, registration and insurance! No ceiling on
the loan amount for new cars. Loan amount for used car is subject to a maximum limit
of Rs. 15 lacs.
Type of Loan
1. Term Loan
2. Overdraft - a) For New vehicles only
b) Minimum loan amount: Rs. 3 lacs.
Documents required
You would need to submit the following documents along with the completed application
form 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 are not an account holder with SBI you would also need to furnish documents that
establish your identity and give proof of residence.
18. [Publish Date]
RAJAN NATH
Margin
New / Used vehicles: 15% of the on the road price.
Repayment
You enjoy the longest repayment period in the industry with us.
Repayment period:
For Salaried: Maximum of 84 months
For Self-employed & Professionals: Maximum 60 months
Repayment period for used vehicles :Up to 84 months from the date of original
purchase of the vehicle (subject to maximum tenure as above).
Prepayment Penalty:
Prepayment fee of 2% of the amount of the loan prepaid will be levied subject to certain
conditions
FLOATING RATES:
A. for Term Loans
1. New Vehicles (Term Loan) Floating only W.E.F. February 27, 2008
Repayment Period All Centers (SBAR - 12.25%)
Upto 3 years (for loans Rs. 7.5 lac & above) 0.75% below SBAR i.e. 11.50% p.a.
Upto 3 years (for loans below Rs. 7.5 lac) 0.50% below SBAR i.e. 11.75%p.a.
Above 3 yrs up to 5 yrs (for all loans) 0.50% below SBAR i.e. 11.75% p.a.
Above 5 yrs up to 7 yrs (for all loans) 0.25% below SBAR i.e. 12.00% p.a.
2. Used Vehicles: Floating only W.E.F. February 27, 2008
Repayment Period All Centers (SBAR-12.25%)
Upto 3 years 3.00% above SBAR i.e. 15.25% p.a.
Above 3 yrs up to 7 yrs 3.25% above SBAR i.e. 15.50% p.a.
3. For Overdrafts: For New Vehicles only W.E.F. February 27, 2008
Repayment Period All Centres (SBAR 12.25%)
Upto 3 years (for loans Rs. 7.5 lac & above) 0.25% below SBAR i.e. 12.00% p.a.
Upto 3 years (for loans below Rs. 7.5 lac) At SBAR i.e. 12.25% p.a.
Above 3 yrs up to 5 yrs (for all loans) At SBAR i.e. 12.25% p.a.
Above 5 yrs up to 7 yrs (for all loans) 0.25% above SBAR i.e. 12.50% p.a.
19. [Publish Date]
RAJAN NATH
EDUCATION LOAN:
A term loan granted to Indian Nationals for pursuing higher education in India or abroad
where admission has been secured.
Eligible Courses
All courses having employment prospects are eligible.
1. Graduation courses/ Post graduation courses/ Professional courses
2. Other courses approved by UGC/Government/AICTE etc.
Expenses considered for loan
1. Fees payable to college/school/hostel
2. Examination/Library/Laboratory fees
3. Purchase of Books/Equipment/Instruments/Uniforms
4. Caution Deposit/Building Fund/Refundable Deposit (maximum 10% tution
fees for the entire course)
5. Travel Expenses/Passage money for studies abroad
6. Purchase of computers considered necessary for completion of course
7. Cost of a Two-wheeler upto Rs. 50,000/-
Any other expenses required to complete the course like study tours, project work etc.
Amount of Loan
1. For studies in India, maximum Rs. 10 lacs
2. Studies abroad, maximum Rs. 20 lacs
Interest Rates
(with effect from 1st June 2008)
For loans up to Rs.4 lacs - 11.75 % p.a. Floating
For loans above Rs. 4 lacs and upto Rs.7.50 lacs - 13.25 % Floating
For loans above Rs.7.50 lacs - 12.25% p.a. Floating
Repayment Tenure
Repayment will commence one year after completion of course or 6 months after
securing a job, whichever is earlier.
Place of Study Loan Amount Repayment in
Period
Years
Studies in India Rs. 10.0 lacs 5-7
Studies Abroad Rs. 20.0 lacs 5-7
20. [Publish Date]
RAJAN NATH
Security
Amount For loans upto Rs. 10.00 lacs for Studies in
India and upto Rs. 20.00 lacs for studies
abroad
Upto Rs. 4 lacs No Security
Above Rs. 4 lacs to Rs. 7.50
l
a
c
s
Collateral security in the form of suitable third
party
Guarantee. The bank may, at its discretion, in
exceptional cases, weive third party guarantee if
satisfied with the net-worth/means of parent/s who
would be executing the documents as "joint
borrower"
Above Rs. 7.50 lacs. Tangible collateral security of suitable value,
along
with the assignment of future income of the
student
For payment of installments.
All loans should be secured by parent(s)/guardian of the student borrower. In
case of married person, co-obligator can be either spouse or the parent(s)/
parents-in-law
Margin
For loans up to Rs.4.0 lacs : No Margin
For loans above Rs.4.0 lacs:
o Studies in India: 5%
o Studies Abroad: 15%
Documentation 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
Borrower's Bank account statement for the last six months
21. [Publish Date]
RAJAN NATH
STATEMENT OF PROBLEM
SBI Main Branch, Bhubaneswar want to know about the customer perception
about the advance product provide by them to the people.
To find out what kind of service provide by the competitors in advance product.
To find out the need of the customer and hence formulate the strategy to level the
economy in the society.
How the products are helping the customer.
To know the utility of the product.
To find out the need of the customer in Bhubaneswar region and introduce new
product or facilitate new service in existing product.
22. [Publish Date]
RAJAN NATH
RESEARCH OBJECTIVES
Summer Internship Project gives a practical exposure and helps in acquiring the on
road skills.
First and foremost objective is to find out the reasons for using of Advance
Product from SBI.
To find out the services that other bank given to their customer.
To generate the leads through the survey.
To sort out the prospective leads from the data I have collected through the
survey.
To build the relationship with the customers and to follow up them, make sure
that they are satisfied with the product.
To maintain good relationship with the corporate employees.
To get more references from the customers and generate new leads by following
a chain process.
To place SBI Advance Product ahead of the competitors.
To find out the customer awareness on booming Advance Product market and to
find out the using patterns of the people
23. [Publish Date]
RAJAN NATH
To make the customer aware of the benefits of the product and convince him to
go for SBI Advance Product.
SIGNIFICANCE AND SCOPE
The geographical scope of the study is restricted to Bhubaneswar only
with sample size of 2000 people.
All the analysis and suggestions are based on the analysis of the both
primary and secondary data.
Therefore the scope of the study revolves around the following aspects:-
Consumer perception towards Advance Product
Consumer awareness about Advance Product scheme and its
benefit.
Aware the Bank about the customer problems, especially in case of
automobile sector.
25. [Publish Date]
RAJAN NATH
Research methodology
RESEARCH METHODOLOGY
Research methodology is a methodology for collecting all sorts of information & data
pertaining to the subject in question. The objective is to examine all the issues involved
& conduct situational analysis. The methodology includes the overall research design,
sampling procedure & fieldwork done & finally the analysis procedure. The
methodology used in the study consistent of sample survey using both primary &
secondary data. The primary data has been collected with the help of questionnaire as
well as personal observation book, magazine; journals have been referred for
secondary data. The questionnaire has been drafted & presented by the researcher
himself.
26. [Publish Date]
RAJAN NATH
Sample Size:
Sample of 2000 people was taken into study, and their data was collected
Sampling Technique:
To study the Project, a Simple Random Sampling technique is used.
Data Collection:
Collection of data is done by
Secondary Data & through
Questionnaire
i.e., Primary data was collected through Questionnaire.
Data Analysis:
After data collection, I’m able to analyze customer’s views, ideas and opinions
related to Advance Product and about SBI Advance Product and from this,
SBI will come to know the customer requirements.
Data Interpretation:
Interpretation of data is done by using statistical tools like Pie
diagrams, Bar graphs, and also using quantitative techniques (by
using these techniques) accurate information is obtained.
Classification & tabulation of data:
The data thus collected were classified according to the categories,
counting sheets & the summary tables were prepared. The resultant
tables were one dimensional, two dimensional.
Statistical tools used for analysis:
27. [Publish Date]
RAJAN NATH
Out of the total respondents, the respondents who responded
logically were taken into account while going into statistical details &
analysis of data. The tools that have been used for analyzing data &
inference drawing are mainly statistical tools like percentage,
ranking, averages, etc.
As per questionnaire and market surveys I have find out different responses from
different people. According to their responses I analyze the findings and draw certain
remarks.
28. [Publish Date]
RAJAN NATH
Analysis of data
GRAPHICAL REPRESENTATION
OF DATA
Q1. On which bank you depend for your regular transaction?
( ) No. of People
SBI 60 % (1200)
ICICI 33 % (660)
HDFC 5% (100)
OTHER 2% (40)
TOTAL NO. OF PEOPLE 2000
29. [Publish Date]
RAJAN NATH
It has been observed that approximately 60% correspondents are using the service of SBI for
their daily transaction, around 33% of people are using ICICI Bank for their transaction and only
5% & 2% of people are using HDFC & other Bank service respectively in Bhubaneswar. It also
shows that SBI have the highest market position in Bhubaneswar as per my sample.
Q2. Are you aware of products & services provided by SBI?
YES 85% (1700)
NO 15% (300)
Total No. of People 2000
60%
33%
5% 2%
RESPONSES OF PEOPLE IN %
SBI
ICICI
HDFC
OTHER
30. [Publish Date]
RAJAN NATH
From the above data it is clear that most of the customers (around 85%) of Bhubaneswar have
the idea about the product & services of SBI, the rest 15% have the idea about the product
they are using. In this 15% most of the people are from typical rural area (Farmers).
Q3. If yes are you aware of the advance products (Loan segments) of SBI?
YES 95%(1900)
NO 5% (100)
TOTAL NO. OF PEOPLE 2000
YES
85%
NO
15%
31. [Publish Date]
RAJAN NATH
It is clear that most of the people have the idea about the advance product of SBI. Almost all
the 95% people who have the idea about the advance product are the user of SBI product &
service.
Q4. Which bank you prefer for taking loans?
SBI
85% (1800)
ICICI 7% (140)
HDFC 2% (40)
95%
5%
% OF PEOPLE
YES
NO
32. [Publish Date]
RAJAN NATH
OTHER 1% (20)
TOTAL NO. OF PEOPLE 2000
According to my sample size 85% of people prefer SBI for loan product, but some people prefer
ICICI, HDFC or OTHER Bank for loan because they are working with that bank & it is easier for
them to get loan from their bank & it easier for them to pay the interest because it is less as
compare to other bank because they are the employee of that bank.
Q5. If you prefer SBI for taking loan than what influence you to take Loan from SBI?
Most of the people said that they prefer SBI for taking loan because of the transparency and the
lowest interest rate for any kind of loan product. And it is easy to get loan from SBI as compare
to other bank because less paper work is require and as it is the largest govt. bank in India and
having partnership with RBI (Reserve Bank of India) and other association, it is easier for SBI to
give loan to people with a longer repayment period.
85%
12%
2% 1%
Sales
SBI
ICICI
HDFC
OTHER
33. [Publish Date]
RAJAN NATH
Q.6 Which loan product of SBI you have used?
HOME LOAN 47% (846)
EDUCATIONAL LOAN 20% (360)
CAR LOAN 15% (270)
PERSONAL LOAN 10% (180)
OTHER 8% (144)
TOTAL NO. OF PEOPLE 1800
From the sample size 85% of people are using the SBI loan product. From the 1800 people
47% of people took home loan from SBI. 20% of people took education loan for their children,
15% of people took car loan from SBI. Some of the customer took 2 type of loan from SBI like
both car & educational loan and home & car loan. 10% of people took personal loan.
Q7. What do you feel about the services providing by SBI in advance product?
Bad 0% (0)
Satisfactory 2% (40)
Good 55% (1100)
47%
20%
15%
10%
8%
Sales
HOME LOAN
EDUCATIONAL LOAN
CAR LOAN
PERSONAL LOAN
OTHER
34. [Publish Date]
RAJAN NATH
Excellent 43% (860)
TOTAL NO. OF PEOPLE 2000
From this it is clear that the service provide by SBI in its advance product is good in between
the customer. All of them satisfy with the product provide by SBI. 55% of people said that the
service provide by SBI is good & 43% said it is excellent & just 2% of people said that it is
satisfactory.
Q8. Which features you like most in Loan segments of SBI?
LESS PAPER WORK 3% (60)
ATTRACTIVE INTEREST RATE 35% (700)
TRANSPARENCY 20% (400)
SIMPLE AND FAST PROCESSING 2% (40)
0% 2%
55%
43%
CUSTOMER PERCEPTION TOWARDS THESERVICEPROVIDE
BY SBI IN ADVANCEPRODUCT
BAD
SATISFACTORY
GOOD
EXCELLENT
35. [Publish Date]
RAJAN NATH
LONGER REPAYMENT PERIOD 40% (800)
TOTAL NO. OF PEOPLE 2000
Most of the people like the attractive interest rate & longer repayment period. It’s easier for
people to repay the whole loan amount with its interest with low interest rate and with longer
repayment period.
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
LESS PAPER WORK ATTRACTIVE
INTEREST RATE
TRANSPARENCY SIMPLE & FAST
PROCESSING
LONGER
REPAYMENT
PERIOD
FEATURES LIKE BY CUSTOMER
36. [Publish Date]
RAJAN NATH
Findings
Suggestion & Recommendation
Conclusion
Project Findings:
From this project it is found that SBI advance product having the 1st place in the
market at Bhubaneswar, there is a great opportunity to compete with ICICI Bank & to
retain its customer by fulfilling the requirement of customer in SBI advance product.
It has been observed that approximately 85% correspondents are using advance
product of SBI and 15% are not using any type of advance product of SBI in
Bhubaneswar.
37. [Publish Date]
RAJAN NATH
All of SBI customers are satisfied with the services provided by the bank.
Many of these customers satisfied with the low interest rate and longer repayment
period of the advance product.
Most of the customers at Bhubaneswar prefer to take loan from SBI.
Approximately 43% of advance product users said that the service of SBI in advance
product is excellent.
A response from customer care is so clear & good.
Many customers have no time to call customer care so that they are not able to know
about the service & features of SBI advance product.
Most customers are shifted from other bank’s advance product to SBI because of
hidden charges, high interest rate, less repayment period.
Government employees are more concern than private employees for advance
product.
REASONS FOR HIGHLY USE OF SBI ADVANCE PRODUCT:
LESS PAPER WORK
ATTRACTIVE INTEREST RATES
TRANSPARENCY
SIMPLE & FAST PROCESSING
LONGER REPAYMENT PERIOD
QUICK PROCESSING
Suggestion & Recommendation
Recommendation:
Customer awareness program is required so that more people should attract towards
advance product.
If there are any kind of hidden charges than that must disclose to customer before
giving loan to them.
38. [Publish Date]
RAJAN NATH
SBI must take some steps so that customers can get their loan in time. Like phone
verification by customer care that one customer is got their loan on time or not .It
must be before a certain date so necessary steps can be taken.
SBI should more concern about physical verification rather than phone verification so
it will avoid fraud or cheating.
Advance product selling agents must not give any type of wrong information
regarding advance product.
For the better service new offers would be require.
SBI customer care should more concern about the fastest settlement of customer
problems.
Before deducting or charging any monetary charge SBI must consult with customer.
Agents should be trained, well educated & proper trained to convince the people
about different advance product.
It is the duty of the bank to disclose all the material facts regarding advance product,
like interest charged, repayment period, other types of charges, etc.
Special scheme should be implemented to encourage both customer and agents.
The bank should increase the period for repayment of loan.
SBI should more focus on Retaining existing customers.
SBI must focus on Segmentation based on customer knowledge Product offering
based on customer demand.
SBI must take feedbacks of customers regarding features & services.
39. [Publish Date]
RAJAN NATH
Suggestions given by the
consumers at the time of survey:
There is more time period for repayment of education loan.
( Namrata Das )
Education loan should be providing to private college also which is not under AICTE
or any kind of University.
( Pinaki Bal )
SBI should take steps to solve customer problems immediately.
( Gopinath Mahapatra )
Agents should be trained, well educated & proper trained to convince the people
about different advance product.
(P.Anish Nath)
Loan sanction date should be according to customer convenient.
(Joytirmaya Behera)
A customer awareness programme should be taking place in rural area.
40. [Publish Date]
RAJAN NATH
CONCLUSION
From the analysis part it can be conclude that customers have a good respond towards
SBI advance products in Bhubaneswar. SBI is in 1st position having large number of
customers & providing good services to them. The bank has a wide customer base, so
the bank should concentrate on this to retain these customers.
In present scenario SBI is the largest advance product issuer in India. Within a very
short period of time the achievement made by SBI is excellent, what a normal bank
cannot expect, but it is being done by SBI. It happens due to employee dedication
towards the organization, fastest growing Indian economy, & brand image.
To be the largest advance product issuer, SBI should focus on-
Launch Innovative product
Customized advance products
Better customer services
Fastest customers problem solving techniques
Customer retention
Apart from all the above, SBI believe in providing good customer services to their customers
which is a key factor for success in future.
42. [Publish Date]
RAJAN NATH
QUESTIONNAIRE
Name - _____________________________________
Occupation-__________________________________
Contact Detail -_______________________________
Q. On which bank you depend for your regular transaction?
a) SBI
b) ICICI Bank
c) HDFC Bank
d) Other Bank, Specify (_____________)
Q. Are you aware of products & services provided by SBI?
a) YES
b) NO
Q. If yes are you aware of the advance products (Loan segments) of SBI?
a) YES
b) NO
Q. Which bank you prefer for taking loans?
a) SBI
b) ICICI Bank
c) HDFC Bank
d) Other Bank, Specify (_____________)
Q. If you prefer SBI for taking loan than what influence you totake Loan from SBI?
_________________________________________________________________________________
_________________________________________________________________________________
_________________________________________________________________________________
__________________________________________________.
43. [Publish Date]
RAJAN NATH
Q. Which loan product of SBI you have used?
a) Home Loan
b) Education Loan
c) Car Loan
d) Personal Loan
e) Other Loans, Specify ( ______________ )
Q. What do you feel about the services providing by SBI in advance product?
a) Bad
b) Satisfactory
c) Good
d) Excellent
Q. Which features you like most in Loan segments of SBI?
a) Less paper work
b) Attractive interest rate
c) Transparency
d) Simple & fast processing
e) Flexibility to choose an EMI base loan or an overdraft
f) Longer tenure lone for ease of repayment
g) Specially design product for self employed
h) Any other feature, specify ( _____________ )
Q. Any suggestion you want togive for the betterment of SBI advance product.
_________________________________________________________________________________
_________________________________________________________________________________
_________________________________________________________________________________
________________________________________________________.