sbi ppt

1. Presented By:
Bharti R. Odedara ( 127730592064)
Guided By:
Asst. Prof. Pinky Dholakia
INSTITUTE:
Shree sunshine education trust, Rajkot

2. FISHERY
Fishing has assumed much importance in view of the rapidly growing
population and depleting land resources. Fish also provides protein
rich food and is also a big source of vitamin A, B, and D. There are
about 30,000 species of fish in the world out of which about 18000are
found in India.

3. INDUSTRY OVERVIEW
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).
The Presidency banks amalgamated on 27 January 1921, and the re-organized
banking entity took as its name Imperial Bank of India. The
Imperial Bank of India remained a joint stock company but without
Government participation.
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 30 April 1955, the Imperial Bank
of India became the State Bank of India.

4. BRANCH AT GLANCE
Bank branch : SME Porbandar
Establishment :18-jan-2001
Branch code : 60047
Address : Manek chock Porbander
Module : Rajkot
Network : III
Region : V
Population type : Urban

5. Facilities : regular banking business
locker facility
Government business
ATM operation
Foreign exchange
Clering house
Currency chest
Deposit :160.00 crore
Advances : 56.46 crore
Phone no. :0286 2252791
Fax :0286 2242600
Web site :www.sbi.co.in

6. Email :SBI.60047
Accountant :A.R visana
Total no.of employee : clerk :- 20
Officer:- 8
Subordinate:- 8
Working day :Monday to Saturday
Weekly off :Sunday

7. VISION
 My SBI.
 My customer first.
My SBI : First in satisfaction.
MISSION
 We will be prompt polite and proactive with our customer
 We will speak the language of young India.
 We will create product and services that help our customer achieve their
goals.
We will go beyond call of duty to make our customer feel valued.
We will be of service even in the remotest part of our country.
We will offer excellence in service to those abroad as much as we do to
those in India.
We will imbibe state of art technology to drive excellent

8. VALUES
 We will always be honest transparent and ethical.
 We will respect our customer and fellow associates.
 Will be knowledge driven.
 We will learn and we will share our learning.
 We will never take the easy way out.
 We will do everything we can to contribute to the community we work
 We will nurture pride in India

9. OPERATION DEPARTMENT
SERVICES
INTERNET BANKING
MOBILE BANKING
ATM SERVICES
DEPOSIT SCHEME
CURRENT ACCOUNT
SAVING BANK ACCOUNT
 TERM DEPOSIT
 RECURRING DEPOSIT
LOANS
 HOME LOAN
SBI NEW CAR LOAN SCHEME
EDUCATION LOANS(SBI STUDENT LOAN

10. MARKETING DEPARTMENT
Marketing is the process of communicating the value of a
product or service to customers for the purpose of selling the product or
service. It is a critical business function for attracting customers
.
It is the process of communicating the value of a product or
service through positioning to customers.
7P’S OF SBI
PRODUCT MIX:
PRICING MIX:
PLACE:
PROMOTION MIX
PEOPLE:
PROCESS:
PHYSICAL EVIDENCE:

11. FINANCE DEPARTMENT
Finance is the life blood of any bank without which cannot
imagine the existent of bank
“Finance management is that managerial activity is concerned
with the planning and controlling of the firm’s financial resources.”
 According to Hoagland “Financial management is concerned
mainly with such matter as how of business corporation raises its
finance and how it makes use of that.
 The STATE BANK OF INDIA has market the progressive
growth and profitability both the financial year 2003-2004

12. HUMAN RESOURCE DEPARTMENT
Human resources in any organization are it public private or Co-
Operative constitute perhaps the most vital assets of that organization.
An organization will fail if its human resources are not competent to
execute the work assigned to them. There is no getting away from fact
that human resources represent a subsystem which dominates all other
sub system to the organization.
H. R. POLICY AND PROGRAMMES
▲Recruitment and selection
▲Promotion
▲Empowerment of staff
 intrinsic motivation
 Regular staff metting
 Brain storming
 Participative management
 Job rotation
 introduction of quality circles

13. STRENGTH
1. The biggest bank in the country
2. Has a separate act for itself. Thus, a special privilege.
3. Biggest branch network in the country
WEAKNESS
1. Huge amount of staff
2. Expected to experience high level of attrition due to retirement of its top
management
3. Still carries the image of the old Govt. sector bank
OPPORTUNITY
1. Pool in talent to replace the going top management to serve the next
generation
2. Make better use of its CRM
3. Expansion into rural areas
THREATS
1. Consolidation among private banks
2. New bank licenses by RBI
3. Foreign banks that have sophisticated products

14. LITERATURE REVIEW
( Raat 1990 ) Within the legal framework of the country or federal states,
public authorities responsible for fisheries issues, inland fisheries
organizations, cooperatives, associations, clubs, syndicates or even individual
fishermen, enforce regulations and manage the waters on which they have
fishing rights
(Hickley 1995). The purposes of inland fisheries regulations include
managing social issues preventing overfishing, maintaining a suitable stock
structure, and manipulating an aquatic community
Lorenzen 2000). Under conditions of low natural reproduction and low
density-dependent mortality after stocking, there are at least three
management guidelines for stocked fisheries governed by density-dependent
growth and size-dependent mortality

15. STATEMENT OF THE PROBLEM
Title of the research problem is “SCOPE FOR FINANCING FOR
INLAND FISHRY SBI BANK”. Why I choose this topic, Because I want
to know that how the SBI bank provide loan services to the Financing for
inland fishry units and how much they are satisfied by that services.
OBJECTIVES OF THE STUDY
 To know the financial requirement of fisherman
To know the expectation about the interest rate
To know the expected amount of finance
To know the hurdle’s in receiving finance
To know all the basic requirement of fisherman

16. SAMPLE DESIGN
Sampling design is one of the most important aspects where the
design must be appropriate in order to have the desired result. Sampling
design includes various aspect and they are as follows:
•Sampling Area : PORBANDER DISTRICT
•Sample Population : EXISTING CUSTOMER
•Sample Size : 28
( According to my convenience )
•Sample design : Descriptive Data

17. Research: Conclusive
Data Source: Primary data
Research Method: Survey Method
Research Technique: Questionnaire
Type of Questionnaire : Structured
Type of Questions: Closed & Open ended Questions
No of Questions: 24
Place: PORBANDER DISTRICT

18. ANALYSIS & INTERPRETATION OF DATA
Age wise classification of Respondents:
Group of Age Respondents
less than 30 year 9
30-35 year 4
35-45year 6
more than 45 year 9
Total 28
10
8
6
4
2
0
less than 30
year
age wise classification of
respondent
30-35 year 35-45year more than
45 year
Respondents
INTERPRITATION:
From the survey we have found out that the less the 30year and more than 45
year age group people have more proportion with bank

19. Gender wise classification of Respondents :
Gender Respondent
Male 20
Female 8
20
8
Male
Female
INTERPRITATION:
Here we can see that proportion of female is very less as compared to male so,
male getting cash credit and term loan more as compare to female

20. Occupation wise classification of respondent
Occupation respondent
Fish trader 5
Fishing
9
business
Net
manufacturer
10
Fish supplier 4
12
10
8
6
4
2
0
occupation wise classification of
respondent
Fish trader fisher man Net
manufacturer
Fish supplier
respondent
INTERPRITATION:
from the survey of fisherman we have found out that the bank have four types
of customer at present out of that maximum people comes under the
occupation of net manufacturer

21. Qualification wise classification of respondent
QUALIFICATION RESPOND-ENT
Up to 10 standard 17
Up to 12 standard 8
Graduation 3
Post graduation -
18
16
14
12
10
8
6
4
2
0
qualification wise classification of
up to 10
standard
up to 12
standard
respondent
Graduation Post
graduation
RESPONDENT
INTERPRITATION:
From the survey of fisherman most of the peole have studied up to 10 standard.

22. Turnover wise classification of respondent
Turnover Respondent
Less than 100000 8
100000 to
5000000
6
5000000 to
10000000
7
More than
10000000
7
9
8
7
6
5
4
3
2
1
0
turnover wise classification of
Less than
100000
100000 to
5000000
respondent
5000000 to
10000000
More than
10000000
respondent
INTERPRITATION:
Maximum number of respondents have turnover less than 1 lack while equal
number of respondents have turnover of 50 lack to 1crore and more than 1 crore

23. Annual income wise classification of respondent
Annual income Respondent
Less than 100000 11
100000 to 150000 1
150000 to 200000 6
More than 200000 10
12
10
8
6
4
2
0
classification of respondent
Less than
100000
annual income wise
100000 to
150000
150000 to
200000
More than
200000
respondent
INTERPRITATION:
from the above chart of annual income the net manufacturer people comes under the
less than 100000 . And fisherman people and trader have annual income more than
200000.

24. Credit facility wise classification of respondent
Credit facility respondent
Cash credit 9
Term loan 19
credit facility wise classification
9
19
of respondent
Cash credit
Term loan
INTERPRITATION:
from the above chart of credit facility we can say that bank give term loan
more as compare to cash credit. The cash credit facility is near to 30%and And
term loan is near to 70% is current position of bank financing.

25. Limit of amount wise classification of respondent
Amount limit respondent
Less than 100000 10
100000 to 1000000 10
1000000 to
2000000
6
More than 2000000 2
12
10
8
6
4
2
0
amount limit wise classification
Less than
100000
of respondent
100000 to
1000000
1000000 to
2000000
More than
2000000
respondent
INTERPRITATION:
from the above chart we come to know that maximum number of customer comes under the
limit of less than 100000 and 100000 to 1000000 and less number of customer getting the
limit of more than 2000000

26. Installment amount wise classification of respondent
Installment
amount
respondent
Less than 5000 10
5000 to 15000 0
15000 to 30000 9
12
10
8
6
4
2
0
installment amount wise
classification of respondent
Less than 5000 5000 to 15000 15000 to 30000
respondent
INTERPRITATION:
from the survey of fisherman we can say that all net manufacturers installment
comes under the less than 5000. Fishermen’s getting the boat loan their installment
comes under 15000 to 30000.

27. Since how long you are using financing service of this bank
Year respondent
Less than 2 year 10
2 year to 4 year 5
5 year to 7 year 7
More than 8 year 6
12
10
8
6
4
2
0
Less than 2
year
2 year to 4
year
5 year to 7
year
More than 8
year
respondent
INTERPRITATION
As we have seen that the Graphical representation clearly shows that 10
customers with bank till to less than 2 year,5 customer with bank till 2 year to 4
year,7 customer with bank till 5 year to 7 year and 6 customers with bank more
than 8 year

28. Have you taken advantage of subsidy from SBI bank?
Yes (10) No (18)
have you taken the advantage of
subsidy from sbi bank
10
18
yes
no
INTERPRITATION:
From the above chart we can say that only 10 people getting the subsidy

29. Basis for financing wise classification of respondent
Basis Respondent
Turnover 9
Other 19
9
19
basis for financing
turnover
other
INTERPRITATION:
From the survey of fisherman we have found out that cash credit was given on the
basis of turnover and the term loan was given on other basis other.

30. Requirement of fisherman
Requirement Respondent
Storage 6
Boat 9
Net 16
Diesel 8
To pay Sundry
9
creditor
GMB 5
18
16
14
12
10
8
6
4
2
0
requirement of fisherman
Storage Boat Net Diesel To pay
Sundry
creditor
GMB
Respondent
INTERPRITATION:
From the survey of fisherman we found that single fisherman have multi-requirement.
so maximum customer have net requirement.

31. FINDINGS
From the survey we have found out that the less the 30year and more than 45
year age group people have more proportion with bank
 According to gender-70% are male and 30% are female deal with bank.
Fish trader, fisherman, net manufacturer and fish supplier are existing borrower o
of bank. Out of which net manufacturer is higher
 Qualification level of existing customer is most of them are up to 10th standards
Turnover of business is depends on their occupation maximum respondent have
turnover less than 1 lack . equal number of respondent have turnover between
50lack to more than 1 corer
 The existing customer most of them come from meddle class
Bank give term loan more as compare to cash credit. The cash credit facility is
Near to 30%and And term loan is near to 70% is current position of bank financing
Bank give 50000 limit to net manufacturer, and 20 lack limit is available for
boatFinance ,and there is no fix limit for cash credit
net manufacturers installment comes under the less than 5000. Fishermen’s
getting the boat loan their installment comes under 15000 to 30000.

32.  Most of respondent have been using this bank less then 2 year
Two types of finance availed from bank (1)cash credit (2)term loan.
Out of 28 respondent only 10 people get the subsidy.
Out of 28 respondent some of them have more expect finance from bank
Margin of borrower is near to 35%
 Probable interest rate of borrower in between 8% to 10%
Bank of Baroda, Bank of Maharashtra, Bank of India, Dena Bank, Central Bank Of
India are the other source of finance
Out of 28 customers 9 customers get finance on the basis of turnover and 19
Customers get finance on the basis of other source
Only 3 customer get difficulty in receiving finance
Also there is a various types of government scheme is available for development of
Fishery
Fishermen have various types of requirement like Storage, Boat, Net, Deisal,
payment to Sundry creditor, Gujrat maritime board rent, out of that maximum
requirement is net

33. SUGGESTIONS
When the survey was conducted it was also asked for any suggestion for
improvement for SBI Bank models. I have found out some suggestion for the bank
through survey. They are as follow.
The bank should focus more on its bank charges strategy for its loyal and regular as
well as other customers. Bank charges rate should be competitive and economic.
Bank focus on cash credit finance
Customer expect more finance from bank if possible than increase their limit
fisherman have various types of requirement out of them some requirement are very
,
costly like Boat, storage , fish container, feeding, labour charges , fuel &electricity,
insurarance, transportation, etc so bank have scope to finance in fishery
 Only 30% of women are using the services of bank, so they should be provided
various schemes and concessions in loans to motivate them to be connected with
bank

34. CONCLUSION
After conducting the survey for STATE BANK OF INDIA. i staying
with this bank for a period of 7 weeks I concluded that it is almost the highly
developing bank with great potential.
Account department is operating well with the help of skill full staff.
Quality wise its services are well accepted. This is one of the most
advantageous and prestigious achievements of SBI Bank.