State Bank of India (SBI) is the largest commercial bank in India, with over 200 years of history. SBI has a vast network across India and numerous subsidiaries, offering an array of banking and financial services. As the largest bank in India, SBI plays an important role as a agent of the Reserve Bank of India and in providing critical services to both retail and commercial customers.

1. STATE BANK OF INDIA

2. INTRODUCTION
 State Bank of India (SBI), with a 200 year history is the largest
commercial bank in India.
 In terms of assets, deposits, profits, branches, customers and
employees SBI is largest bank.
 The Government of India is the single largest shareholder of this
Fortune 500 entity with 61.58% ownership.
 SBI is ranked 60th in the list of Top 1000 Banks in the world by
"The Banker" in July 2012.

3. History
 The roots of the State Bank of India lie in the first decade of 19th century,
when the Bank of Calcutta, later renamed the Bank of Bengal, was
established on 2 June 1806. The Bank of Bengal was one of three Presidency
banks, the other two being the Bank of Bombay (incorporated on 15 April
1840) and the Bank of Madras (incorporated on 1 July 1843). All three
Presidency banks were incorporated as joint stock companies and were the
result of the royal charters. These three banks received the exclusive right to
issue paper currency till 1861 when with the Paper Currency Act, the right
was taken over by the Government of India. The Presidency banks
amalgamated on 27 January 1921, and the re-organised banking entity took
as its name Imperial Bank of India. The Imperial Bank of India remained a
joint stock company but without Government participation.

4. Pursuant to the provisions of the State Bank of
India Act of 1955, the Reserve Bank of India,
which is India's central bank, acquired a
controlling interest in the Imperial Bank of India.
On 1 July 1955, the Imperial Bank of India
became the State Bank of India. In 2008 the
government of India acquired the Reserve Bank of
India's stake in SBI so as to remove any conflict
of interest because the RBI is the country's
banking regulatory authority.

5. Branches
 SBI had 14,816 branches in India, as on 31
March 2013, of which 9,851 (66%) were in
Rural and Semi-urban areas.[1] In the financial
year 2012-13, its revenue was INR 200,560
Crores (US$ 36.9 billion), out of which
domestic operations contributed to 95.35% of
revenue. Similarly, domestic operations
contributed to 88.37% of total profits for the
same financial year

6. Arundhati Bhattacharya
Arundhati Bhattacharya born in a Bengali Hindu Kulin Brahmin
family in the city of Kolkata ,is the first woman to be the
Chairperson of State Bank of India. Before being the Chairperson,
she held the posts of managing director and chief financial officer
at SBI. Arundhati became the 24th Chairperson[1] of the bank by
succeeding Pratip Chaudhuri who retired 30 Sep.[2]Among her
contenders for the position included SBI MDs : Hemant
Contractor, A Krishna Kumar and S Viswanathan. Her longer
service favoured the decision in her favour.She spent her
childhood in Bhilai. Her father, Pradyuman Kumar worked at
Bhilai Steel Plant. Her mother, Kalyani Mukherjee was a
homeopathy consultant in Bhilai.

7. Non-banking subsidiaries
 Apart from its five associate banks, SBI also has the following non-
banking subsidiaries:
 SBI Capital Markets Ltd
 SBI Funds Management Pvt Ltd
 SBI Factors & Commercial Services Pvt Ltd
 SBI Cards & Payments Services Pvt. Ltd. (SBICPSL)
 SBI DFHI Ltd
 SBI Life Insurance Company Limited
 SBI General Insurance
 In March 2001, SBI (with 74% of the total capital), joined with BNP
Paribas (with 26% of the remaining capital), to form a joint venture
life insurance company named SBI Life Insurance company Ltd. In
2004, SBI DFHI (Discount and Finance House of India) was
founded with its headquarters in Mumbai.

8. Shareholders Shareholding
Promoters:
Government of
India
62.31%
Insurance
Companies
11.90%
Foreign
Institutional
Investors
09.79%
Individual
shareholders
05.70%
GDRs 02.71%
Others 07.59%
As on 30 June 2013, Government of India held around 62% equity
shares in SBI. Over 800,000 individual shareholders hold approx.
5.7% of its shares. Life Insurance Corporation of India is the largest
non-promoter shareholder in the company with 10.9% shareholding
The equity shares of SBI are listed on
the Bombay Stock Exchange,[13] where it
is a constituent of the BSE SENSEX
index,[14] and the National Stock
Exchange of India,[15] where it is a
constituent of the S&P CNX Nifty.[16]
Its Global Depository Receipts (GDRs)
are listed on the London Stock
Exchange
Listings and
shareholding :-

9. Associate banks
 SBI has five associate banks; all use the State Bank of India
logo, which is a blue circle, and all use the "State Bank of"
name, followed by the regional headquarters' name:
 State Bank of Bikaner & Jaipur
 State Bank of Hyderabad
 State Bank of Mysore
 State Bank of Patiala
 State Bank of Travancore
The State Bank of India and all its associate banks are
identified by the same blue keyhole logo. The State Bank of
India wordmark usually has one standard typeface, but also
utilises other typefaces.

10. FUNCTIONS OF SBI
 State Bank India acts as an agent of Reserve Bank of
India. And also performs the following functions:
 Bank borrow the money from public by accepting
deposits.
 It lends money to merchants and manufactures for
short period.
 Bank acts as Banker’s bank. Bank provides loans to
the Commercial Bank when required.
 Bank also act as the clearing house of commercial
bank.
 SBI bank also act as Reserve Bank of India. Because
the bank maintain the treasuries of the State
Government.
 It also purchases and sells of securities on behalf of
its customers

11. Corporate Social Responsibility of SBI
 India’s largest lender State Bank of
India(SBI) donated fans, water purifiers,
vans, mini buses, hearing aids to schools
and hospitals under Corporate Social
Responsibility program.
 SBI Spent 4 crore rupees for social
Responsibility activities in the last financial
year. Bank separately donated fans and
water purifiers to schools.

12. OBJECTIVES OF SBI
 Accept deposit
 Gives loans and advances
 Invests and Borrows
 Deals in bill of exchange
 Deals in gold and silver
 Deals in foreign currencies
 Underwrite issues
 Housing schemes

13. SERVICES OF SBI
 SBI’s non- banking subsidiaries/joint ventures
are market leaders in their respective areas
and provide wide ranging services, which
include
 life insurance
 merchant banking
 mutual funds,
 credit cards,
 factoring services
 security trading and primary dealership etc…
SBI Group a truly large financial supermarket
and India’s financial icon

14. Other Services :-
 Agriculture/Rural Banking
 NRI Services
 ATM Services
 Demat Services
 Corporate Banking
 Internet Banking
 Mobile Banking
 International Banking
 Safe Deposit Locker
 RBIEFT
 E-Pay
 E-Rail
 Broking Services

15. TYPES OF DEPOSITS
 Current Account
 Savings Accounts
 Fixed Deposits Accounts
 Recurring Accounts

16. Other SBI service points
 SBI has 27,000+ ATMs and SBI group
(including associate banks) has 32,752
ATMs.[1] SBI has become the first bank to
install an ATM at Drass in the Jammu &
Kashmir Kargil region. This was the Bank's
27,032nd ATM on 27 July 2012.

17. Major competitors
 Some of the major competitors for SBI in the
banking sector are Axis Bank, ICICI Bank,
HDFC Bank, Punjab National Bank, Bank of
Baroda, Canara Bank and Bank of India.
However in terms of average market share,
SBI is by far the largest player in the market.

18. Employees
 SBI is one of the largest employers in the country having 228,296 employees
as on 31st March 2013, out of which there were 46,833 female
employees(21%) and 2,402 disabled employees(1%). On the same date, SBI
had 43,550 Schedule Caste(19%) and 16,764 Schedule Tribe employees(7%).[1]
The percentage of Officers, Assistants and Sub-staff was 35%, 48% and 17%
respectively on the same date.[1]
Hiring drive: The bank hired 20,682 Assistants in FY 2012-13, from over 30
lakh applicants, for expansion of the branch network and to mitigate staff
shortage, particularly at rural and semi-urban branches. In the same year, it
recruited 847 probationary officers from around 17 lakh candidates which
applied for officers’ position.[18]
Staff productivity: As per its Annual Report for FY 2012-13, each employee
contributed to revenues of INR 944 Lacs and net profit of INR 6.45 Lacs

19.  In every financial year, SBI Spending 1
percent of annual profit towards Corporate
Social Responsibility (CSR) activities.
 Under the ‘Adoption of girl child’
scheme in backward districts of Andhra
pradesh,
 SBI also donated 25 ambulances and
medical vans to hospitals

20. BALANCE SHEET OF SBI
Mar '13 Mar '12 Mar '11 Mar '10 Mar '09
12 mths 12 mths 12 mths 12 mths 12 mths
 Capital and Liabilities:
 Total Share Capital 684.03 671.04 635.00 634.88 634.88
 Equity Share Capital 684.03 671.04 635.00 634.88 634.88
 Share Application Money 0.00 0.00 0.00 0.00 0.00
 Preference Share Capital 0.00 0.00 0.00 0.00 0.00
 Reserves 98,199.65 83,280.16 64,351.04 65,314.32 57,312.82
 Revaluation Reserves 0.00 0.00 0.00 0.00 0.00
 Net Worth 98,883.68 83,951.20 64,986.04 65,949.20 57,947.70
 Deposits 1,202,739.57 1,043,647.36 933,932.81 804,116.23 742,073.13
 Borrowings 169,182.71 127,005.57 119,568.96 103,011.60 53,713.68
 Total Debt 1,371,922.28 1,170,652.93 1,053,501.77 907,127.83 795,786.81
 Other Liabilities & Provisions 95,455.07 80,915.09 105,248.39 80,336.70 110,697.57
 Total Liabilities 1,566,261.03 1,335,519.22 1,223,736.20 1,053,413.73 964,432.08

21. Mar '13 Mar '12 Mar '11 Mar '10 Mar '09
12 mths 12 mths 12 mths 12 mths 12 mths
 Assets
 Cash & Balances with RBI 65,830.41 54,075.94 94,395.50 61,290.87 55,546.17
 Balance with Banks, 48,989.75 43,087.23 28,478.65 34,892.98 48,857.63
 Advances 1,045,616.55 867,578.89756,719.45631,914.15542,503.20
 Investments 350,927.27 312,197.61295,600.57285,790.07275,953.96
 Gross Block 7,005.02 5,466.55 4,764.19 11,831.63
10,403.06
 Accumulated Depreciation 0.00 0.00 0.00 7,713.90 6,828.65
 Net Block 7,005.02 5,466.55 4,764.10 4,117.73 3,574.41
 Capital Work In Progress 0.00 0.00 0.00 295.18 263.44
 Other Assets 47,892.03 53,113.02 43,777.85 35,112.76
37,733.27
 Total Assets 1,566,261.03 1,335,519.21, 223,736.21 1,053,413.74
964,432.08

22. Reference :-
 Website :-
I. www.wikipedia.org
II. www.sbi.co.in
III. www.onlinesbi.com