Presentation on state bank of india

1. STATE BANK OF INDIA PRESENTED BY SHAIKH MUSSADDIK

2. BANKING IN INDIA Banking in India in the modern sense originated in the last decades of the 18th century. The first banks were Bank of Hindustan (1770-1829) and The General Bank of India, established 1786 and since defunct. Indian Banking Industry currently employees 11,75,149 employees and has a total of 10,9,811 branches in India and 171 branches in abroad. manages an aggregate deposit of 67,504.54 billion (Rs) and bank credit of 52,604.59 billion (Rs). The net profit of the banks operating in India was 1027.51 billion (Rs) against a turnover of 9,148.59 billion (Rs).

3. BANKING SECTOR IN INDIA PAST 5 YEARS Growth in deposits Deposits have grown at a CAGR (Compound Annual Growth Rate ) of 21.2 per cent during FY 07-14; in FY14 total deposits stood at US$ 1453 billion.

4. Growth in credit off-take During FY 07-14, credit off-take expanded at a CAGR (Compound Annual Growth Rate ) of 22.8 per cent to US$ 1140 billion.

5. Market share of bank groups by deposits Share of private sector banks in India in total deposits have increased to 18.8 per cent in FY13 from 17.1 per cent in FY05

6. Growth of ATMs ATMs in India have increased to 126,950 in 2013.

7. HISTORY OF THE SBI The origin of the State Bank of India goes back to the first decade of the eighteen 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 merged in 1921 to form the Imperial Bank of India, Imperial Bank of India was turn on State Bank of India in 1955.

8. PHOTOS & LOGOS BANK OF BENGAL HO GROUP PHOTOGRAPH 1 st BOD

9. BOARD OF DIRECTORS (As on 26 th June, 2014) Sl.No Name Designation Under Section of SBI Act 1955 1. Smt. Arundhati Bhattacharya Chairman 19(a) 2. Shri A. Krishna Kumar Managing Director 19 (b) 3. Shri P. Pradeep Kumar Managing Director 19 (b) 4. Shri.B.Sriram Managing Director 19 (b) 5. Shri.V.G.Kannan Managing Director 19 (b) 6. Shri Sanjiv Malhotra Director 19 (c) 7. Shri Sunil Mehta Director 19 (c) 8. Shri M.D. Mallya Director 19 (c) 9. Shri Deepak I. Amin Director 19 (c) 10. Shri Jyoti Bhushan Mohapatra Workmen Employee Director 19 (ca) 11. Shri S.K. Mukherjee Officer Employee Director 19 ( cb ) 12. Dr. Rajiv Kumar Director 19 (d) 13. Shri Harichandra Bahadur Singh Director 19 (d) 14. Shri Tribhuwan Nath Chaturvedi Director 19(d) 15. Shri Gurdial Singh Sandhu Director 19 (e) 16. Dr. Urjit R. Patel Director 19 ( f)

10. VISION & MISSION OF THE SBI VISION My SBI. My Customer first. My SBI: First in customer satisfaction. MISSION We will speak the language of young India. We will create products and services that help our customers achieve their goals. We will go beyond the call of duty to make our customers feel valued. We will be of service even in the remotest part of our country. We will offer excellence in services to those abroad as much as we do to those in India.  

11. PRODUCTS & SERVICES OF THE SBI PERSONAL BANKING SBI Term Deposits SBI Loan For Pensioners SBI Recurring Deposits Loan Against Mortgage Of Property SBI Housing Loan Loan Against Shares & Debentures SBI Car Loan SBI Educational Loan SBI Personal Loan

12. CORPORATE BANKING Term Loans: To support capital expenditures for setting up new ventures as also for expansion, renovation etc. Deferred Payment Guarantees : To support purchase of capital equipments. Corporate Loans: For a variety of business related purposes to corporate. . Project Finance : A dedicated set up specialized in financing of infrastructure and other large projects.

13. GOVERNMENT BANKING: "A World of Convenience for Government Receipts and Payments“ Government Business Central Government Taxe s State Government Taxe s Pension Senior Citizens Savings Scheme Passport Seva Kendra Online Payment User Guide  

14. AGRICULTURE State Bank of India is the pioneer and market leaders in Agri -Financing in the country with a portfolio of more than Rs. 1,20,000 crs in agri advances covering more than 1.1 lakh farmer families. Apart from the general branches, SBI has 428 Specialized Agricultural Development Branches (ADBs) and 18 Agri Commercial Branches (ACBs). To give special focus to agriculture lending, Bank has also appointed agri -specialists in various disciplines to handle projects/ guide farmers in their agri -ventures.

15. SERVICES Listed on the left are Services, SBI offers to its customers. DOMESTIC TREASURY BROKING SERVICES ATM SERVICES INTERNET BANKING STATE BANK MOBICASH E-PAY SAFE DEPOSIT LOCKER MICR CODES  

16. INTEREST RATES ( as on 01-04-2014) TYPES OF LOAN INTERST RATE For Women Borrowers Upto Rs.75.00 lacs @ 10.10% p.a. Above Rs.75.00 lacs @ 10.25% p.a. For Other Borrowers Upto Rs.75.00 lacs @ 10.15% p.a. Above Rs.75.00 lacs @ 10.30% p.a. SBI Two wheeler loan Upto 3 years @ 18.25% p.a. SBI Car Loans Upto 3 years @ 17.25% p.a. Above 3 yrs up to 7 yrs @ 17.50% p.a. SBI Student Loan loans upto Rs 4 =@ 13.50% p.a. Above Rs 4 lac and upto Rs 7.50 lac @ 13.75% p.a. Above Rs 7.50 lac @ 11.75% p.a. * for Girl Student 0.50% concession in interest rate SBI Home loan Up to Rs 30 lacs @ 9.95% p.a. Above Rs 30 lacs @ 10.10% p.a

17. SPREAD OF THE SBI SBI Branches : State Bank of India is India's largest bank with a network of over 13000 branches and 5 associate banks located even in the remotest parts of India. Search for your nearest SBI branch by clicking on the link below. SBI ATM : State Bank offers you the convenience of over 43,000+ ATMs in India, already the largest network in the country and continuing to expand fast! SBI Foreign Offices : Our 190 Foreign Offices in 36 countries service the international needs of the bank's foreign customers, in addition to conducting retail operations. The focus of these offices is India-related business.

18. ASSOCIATE BANKS SBI has five associate banks (See table).

19. SBI FINANCIAL HIGHLIGHTS: PAST 5 YEARS Rs. in Billion FY 2009 FY 2010 FY 2011 FY 2012 FY 2013 Deposits 7420.73 8041.16 9339.33 10436.47 12027.40 Investments 2759.54 2957.85 2956.01 3121.98 3509.27 Total Assets 9644.32 10534.13 12237.36 13355.19 15662.61 Total Expenses 156.49 203.18 230.15 260.69 292.84 Net Profit 91.21 91.66 82.65 117.07 141.05

20. CAMPARISON OF SECTOR AND THE SBI Name Market Cap. (Rs. cr.) Net Interest Income Net Profit Total Assets SBI 181,353.80 136,350.80 10,891.17 1,792,234.60 Bank of Baroda 39,368.37 38,939.71 4,541.08 659,504.53 PNB 33,281.47 43,223.25 3,342.57 550,419.92 Bank of India 43,223.25 3,342.57 2,729.27 573,190.20 Canara Bank 17,627.01 39,547.61 2,438.19 374,160.20 IDBI Bank 13,168.40 26,597.51 1,121.40 328,996.62 Union Bank 12,634.49 29,349.39 1,696.25 353,780.90 Some of the major competitors for SBI in the banking sector are Punjab National Bank , Bank of Baroda , Canara Bank and Bank of India .

21. SHAREHOLDING PATTERN As on 31 March 2014, Government of India held around 58.60% equity shares in SBI. Life Insurance corporation of India is the largest non-promoter shareholder in the company with 14.99% shareholding. Shareholders Shareholding Promoters: Government of India 58.60% Banks & Insurance Companies 16.79% FIIs/GDRs//NRIs 12.04% Mutual Funds & UTI 03.78% Private Corporate Bodies 02.87% Others 5.92% Total 100.0%

22. HISTORICAL SHARE PRICES OF THE SBI Date Open High Low Close 13/08/2014 2415.00 2485.00 2352.50 2368.95 31/01/2014 1772.00 1806.00 1510.05 1523.85 31/12/2013 1827.00 1924.00 1712.50 1766.50 31/01/2013 2404.90 2551.70 2397.55 2438.00 31/12/2012 2180.00 2408.15 2173.50 2385.50 31/01/2012 1629.00 2085.95 1611.40 2061.60 30/12/2011 1816.00 1959.85 1571.10 1619.05 31/01/2011 2832.70 2852.00 2463.10 2642.40 31/12/2010 2999.00 3173.60 2655.50 2811.90 29/01/2010 2275.00 2315.00 1955.05 2056.60

23. CSR ACTIVITIES OF THE SBI CORPORATE SOCIAL RESPONSIBILITY SBI is also actively involved in a non-profit activity called ‘Community Services Banking’ to conduct beyond-banking business. It participates in large number of welfare activities and social causes to touch the lives of people everywhere in many ways. The focus areas of the Bank’s CSR activities are listed hereunder: Supporting education. Supporting healthcare. Assistance to poor & underprivileged. Environment protection. Entrepreneur development programmed. Help in National calamities . Profit After-Tax (FY 2013-14) 10,891 crs Spending on CSR as a percentage of PAT {FY 2013-14} (1.37%) 149.20 crs

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