SUBMITTED

BY
AADITYA
SOOD

INTRODUCTION
STATE BANK OF INDIA IS A PUBLIC CORPORATION OWNED BY THE GOVERNMENT OF
INDIA. THIS MULTINATIONAL COMPANY DEALS EXCLUSIVELY IN THE FINANCIAL AND
BANKING SECTOR

SBI WAS FOUNDED IN THE YEAR 1806 AND AT PRESENT, ITS HEADQUARTERS IS IN THE
CITY OF MUMBAI. IN TERMS OF ASSETS, IT IS THE LARGEST AND IN TERMS OF
ANCESTRY THE OLDEST BANKING EMPIRE IN INDIA.

 MISSION TO BE A WORLD CLASS STANDARD PROVIDER IN BUSINESS COMMITMENTS WITH

EXCELLENCE TO CUSTOMERS, SHAREHOLDERS AND EMPLOYEES
TO DIVERSIFY ITS FINANCIAL SERVICES WHILE CONTINUING ITS EFFORTS IN BANKING
ROLE

KEY AREAS OF OPERATIONS

MARKETING MIX
PRODUCT IN THE MARKETING MIX
CARDS TRAVELLING CARDS, DEBIT CARDS AND CREDIT CARDS
CONSUMER BANKING SPECIAL TYPE OF ACCOUNTS FOR TEENAGERS, ACCOUNTS
FOR SENIOR CITIZENS ETC.

LOANS INCLUDES KINDS OF LOANS FROM STUDY LOAN TO MEDICAL LOAN AND
LOANS AGAINST SECURITIES

MOBILE BANKING -WITH SBI BANK, BANKING IS NO LONGER WHAT IT USED TO BE.
SBI BANK OFFERS MOBILE BANKING FACILITY TO ALL ITS BANK, CREDIT CARD . SBI
BANK MOBILE BANKING ENABLES YOU TO BANK WHILE BEING ON THE MOVE

PLACE IN THE MARKETING MIX

HAS OPENED NEARLY 43,515 ATMS IN COUNTRY

THE DISTRIBUTION CHANNELS ARE FULLY EQUIPPED WITH LATEST INFRASTRUCTURE,

TECHNOLOGY WITH MODERN FACILITIES & ATM &THE BRANCHES ARE INSTALLED AT
PLACES THAT ARE CONVENIENT TO BOTH THE BANKER AND THE CUSTOMER.

PROMOTION MIX
ADVERTISING: TELEVISION, RADIO, MOVIES, THEATRES,,

PRINT MEDIA: HOARDINGS, PAMPHLETS AND NEWSPAPER, MAGAZINES

SALES PROMOTION: GIFTS, DISCOUNT, INCENTIVES, ETC,,

THE MOTIVE IS CLIENTS BECOME IMPRESSED AND ARE ATTRACTED TO THE SERVICES
OF BANK. UNDER THE PROMOTIONAL STRATEGY, ADS ARE CREATED WITH FAMOUS
PERSONALITIES

SWOT ANALYSIS
STRENGTHS

WEAKNESS

Brand name

image of the old Govt. sector bank

Wide Distribution Network

Huge amount of staff

Market Leader

Customers waiting period is long when compared to private

banks

Government Owned
OPPORTUNITIES

THREAT

Expansion into rural areas

FDIs in banking sector is increased

international operations due to good inflow of money

from Asian Market

Other government banks like PNB, Andhra, Allahabad bank

PEST ANALYSIS
POLITICAL
WEAKNESS IN INDIAN POLITICAL SYSTEM AFFECTS THE ECONOMIC FLEXIBILITY.
BUREAUCRACY, POOR ADMINISTRATION, COALITION OF INDIAS FRAMEWORK OF POLICYMAKING. UNSTABLE POLITICS LEADS TO DELAYED DECISION MAKING AND IMPLEMENTATIONS.
ECONOMIC

INDIA'S ECONOMIC FLEXIBILITY IS DAMAGED BY ITS WEAK ECONOMIC STRUCTURE, WITH

LOW PER CAPITA GDP.

THERE IS HIGH CREDIT RISK IN INDIAN BANKING SECTOR

REGULAR CHANGE IN RATE OF INTEREST

 SOCIAL
RURAL PART HAVE LARGELY DEPRIVED WITH THE BASIC BANKING FACILITY
THE TECHNO TYPE CONSUMER PROVIDES OPPORTUNITY AS WELL AS POSES CHALLENGES

TECHNOLOGICAL ENVIRONMENT
FOCUSED ON CUSTOMER CENTRIC APPROACH -24*7 WITH CUSTOMER
MOBILE BANKING, ATMS, INTERNET BANKING,ETC
FOCUSING ON CASHLESS, PAPERLESS AND HASSLE-FREE WORKING

COMPETITIVE ANALYSIS
ICICI BANK

Bank Branches

3,588

ATMs

11,447

Deposits

2.93 TRILLION

Advances

2.9 TRILLION

SBI

15,054
44,929
12 TRILLION

10.5 TRILLION

Number of Employees

62,065

228,296

Customer Service Rank

33

36

ICICI

VS

CAPITAL AND RESERVE & SURPLUS:667,060

SURPLUS:988,837

SBI
CAPITAL AND RESERVE &

DEPOSITS:2,926,136

DEPOSITS:12,027,396

INVESTMENTS:1,713,936

INVESTMENTS:3,509,273

ADVANCES:2,902,494

ADVANCES:10,456,166

INTEREST INCOME:400,756
OTHER INCOME:83,457

INTEREST INCOME:1,196,571
OTHER INCOME:160,348

INTEREST EXPENDED:262,092

INTEREST EXPENDED:753,258

OPERATING EXPENSES:90,129

OPERATING EXPENSES:292,844

COST OF FUNDS:4.6

COST OF FUNDS:5.6

RETURN ON ADVANCES ADJUSTED TO COF:1.70

COF:0.91

RETURN ON ADVANCES ADJUSTED TO

WAGES AS % OF TOTAL EXPENSES:11.1%

WAGES AS % OF TOTAL EXPENSES:17.6%

CAPITAL TO RISK ASSETS RATIO(CRAR):18.7

NET NPA RATIO:0.8

CAPITAL TO RISK ASSETS RATIO(CRAR):12.9

NET NPA RATIO:2.1

STRATEGIES

ALLIANCES AND TIE-UPS

THINK TANK

OVERLAPPING STAFF TRAINING

THANK YOU