BANKING SERVICES

Presented by,
Manohar
4th sem,mba
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INTRODUCTION
The term bank is either derived from old Italian word banca or from a French
word banque both mean a Bench or money exchange table.
A bank is a financial institution and a financial intermediary that
accepts deposits and channels those deposits into lending activities, either directly
or through capital market. A bank connects customers with capital deficits to
customers with capital surpluses.

HISTORY OF BANKING IN INDIA

The first bank in India was established in 1786. From 1786 till today it has gone through
three distinct phases.
PHASE 1
Early phase from 1786 to 1969 of Indian banks.
PHASE 2
Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms.
PHASE 3
New phase of Indian Banking system with the advent of Indian Financial & Banking
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Major Players in India

International Bank (Competitor)

Marketing Mix
PRODUCT
PRICE
PLACE
PROMOTION
PEOPLE
PROCESS
PHYSICAL EVIDENCE

State Bank of India

Founded on 2nd July 1806 as Bank of Calcutta. Bank of Madras merged into the other two
"presidency banks" in British India, Bank of Calcutta and Bank of Bombay, to form the Imperial
Bank of India, which in turn became the State Bank of India.
Government of India owned the Imperial Bank of India in 1955, with Reserve
Bank of India (India's Central Bank) taking a 60% stake, and renamed it the
State Bank of India.
State Bank of India (SBI) is an Indian multinational, Public Sector banking, and
financial services company. It is a government-owned corporation with its headquarters in
Mumbai, Maharashtra.
As of December 2013, it had assets of US$388 billion and 17,000 branches, including 190 foreign
offices, making it the largest banking and financial services company in India.

Market Capture

PRODUCT
DEPOSITS
ADVANCES & LOANS
CONSULTANCY
INVESTMENTS
INTERNATIONAL BANKIKNG

Contd..

CARDS: CREDIT CARD, ATM CARD, TRAVELERS CARD

DEMAT SERVICES

ONLINE MONEY TRANSFER

MOBILE BANKING, INTERNET BANKING

AGRICULTURAL BANKING, MICRO CREDIT, etc.

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PRICING
INTEREST RATES
CONSULTING FEES
COMMISSION
Parameters for determining Price:
Bank product group price specification
Bank product price specification
Business partner price arrangement
Business partner price agreement.
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PLACE
BRANCH
ATM
HOUSE / OFFICE (INTERNET BANKING & MOBILE BANKING)

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Contd..

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PROMOTION
ADVERTISING - Television, radio, movies, theatres.
PRINT MEDIA- Hoardings, newspaper, magazines.
PUBLICITY- Road shows, campus visits, sponsorship.
SALES PROMOTION- Gifts, discount and commission, incentives, etc.
PERSONAL SELLING- Cross-sale (selling at competitors place),
personalized service
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PEOPLE
BRANCH MANAGER
FRONT LINE OFFICERS
EMPLOYEES
CUSTOMERS

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PROCESS
For opening a Savings Bank
Account

Get the Token number and wait for our

turn.
Approach the counter and ask details
for opening an savings account.
The operator gives a form to be filled
and asks us to get the required
documents.

Backstage/Invisi
ble Process

Onstage/Visi
ble Process

He then verifies the documents and

request us to wait for further
confirmation.
Makes a confirmation, take signatures
and then our account is opened.

Finally ask us to deposit initial amount

to start the savings account.

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PHYSICAL EVIDENCE
SIGNAGE

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 BILLBOARDS AND HOARDINGS

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THANK YOU

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