1. SUBMITTED BY:
Shubham Chugh 19mbf5001
Megha Mathur 19mbf5019
Km. Priyanka Rawat 19mbf5022
Simran Kaur 19mbf5031
Submitted to:
Prof. Pawan Kumar
2. Contents Coveredin Presentation
History of SBI
Bank
Products and
Services offered
by SBI Bank
01.
02
03
04
05
06
SBU’s which are
offered by SBI
Bank
Competitive
Analysis, Growth
Rate, CAGR and five
year projection
Distribution
Channel offered by
SBI Bank
Future
Prospects and
SWOT analysis
3. With a legacy of over 200 years, State Bank of India (SBI) traces its ancestry
to the Bank of Calcutta founded in 1806 and is the oldest commercial bank in
the Indian subcontinent. SBI is an Indian multinational, public sector banking
and financial services statutory body, fostering the nation’s 2.6 trillion-dollar
economy and serving the hopes of its vast population.
• Be the Bank Of
Choice for A
Transforming
India
VISION
• Committed to
Providing Simple,
Responsive, and
Innovative
Financial
Solutions
MISSION
• Service
Transparency
Ethics Politeness
Sustainability
VALUES
Name Designation
Rajnish Kumar Chairman
P K Gupta Managing Director
Dinesh Kumar Khara Managing Director
Arijit Basu Managing Director
History…
5. Product & Services…
Products
&
Services
Personal
Banking
NRI Services
Agriculture
International
Corporate
SME
Domestic
Treasury
State Bank of India Services includes a host of products and services to suit all
types of consumers.
Deposit
Account
• Saving
Account
• Current
Account
Investment
• Fixed Deposit
• Recurring
Deposit
Cards
• Debit Card
• Credit Card
Banking
Loan
• Balance Enquiry
• Mobile banking
• Net banking
• Customer Care
• Home Loan
• Personal Loan
• Loan against property
• Gold Loan
• Education Loan
• Business Loan
• Vehicle Loan
Source: https://retail.onlinesbi.com/personal/productandservices.html
6. Project Finance Strategic Business Unit...
A one-stop-shop of financial services for new projects as well as expansion,
diversification and modernization of existing projects in infrastructure and non -
infrastructure sectors.
Eligibility
Projects with the following threshold limit of Project Cost are handled at PF&
SSBU:
Infrastructure Projects – Above Rs 250 cr.
Non-Infrastructure/ Commercial projects – Above Rs 750 cr.
Rupee
term
Loan
Loan
Under-
writing
Debt
advisory
service
Loan
Syndication
Foreign
currency
term loan/
convertible
bonds/GDR
/ADR
EXPERTISE
7. RELEVENCEof StrategicBusinessUnits…
SOURCE: www.sbi.co.in
Single window solution for large value loans ,syndicate loans, Competitive
pricing and Letter of Credit Limits for financing domestic and imported
equipment
The teams are being led by structuring specialists who are ably
supported by sectoral specialists
Professional team with
legal, technical and
professional experts.
Procedural ease through
Standardized information
requirements and
minimized delivery time
Wide branch network
ensuring ease of
disbursement
A specialized structuring
team with an objective of
providing structuring
solution to corporate
clients has been put in
place.
8. It tells you what an
investment yields on an
annually compounded basis,
indicating to investors what
they really have at the end of
the investment period
Growth Rate ( CAGR )
12.24
%
SBI slashes India's GDP growth forecast for 2019-20 to 4.6%. The State Bank of India (SBI) has
revised India's real GDP growth projection for 2019-20 downwards to 4.6 per cent from five per cent.
CAGR - TTM CAGR -
2019
CAGR -
2018
CAGR -
2017
CAGR -
2016
11.07%
12.24%
13.00%
10.50%
15.04%
5 YEAR CAGR - CALCULATION
Growth Rate- CAGR…
9. LOREM
IPSUM
Lorem dummy text of
typesetting industry.
57.68% Promoters
share holding
13.75% Mutual funds
and UTI
10.6% FI, Banks and
Insurance
Companies
6.78% non-Institutional
Investors
SBI Share-holding Pattern…
Share holding
pattern of SBI
Bank
In case of Share holding pattern, the portion of Foreign Institutional
Investors is 0 % i.e. no FII is having investment in SBI Bank
10. SBI has opted various strategies for choosing the appropriate channel of
distribution. Thereby, it uses different marketing strategies/ channels for-
There is a distinction amoung the channels of distribution opted by SBI
Personal distribution systems include all channels like agencies of different
models and brokerages, banc assurance, and work site marketing.
Direct response distribution systems are the method whereby the client
purchases the insurance directly. This segment, which utilizes various media
such as the Internet, telemarketing, direct mail, call centres, etc., is just
beginning to grow.
Distribution of services
Distribution of insurance products
Distribution of other services
Channel of Distribution…
11. Distribution of
services
Branch Banking
Urban Rural
Non Branch
Banking
Rural
Correspondent
Model
Network of NGOs,
post offices
Business Facilitator
Model
Handheld devices
like cash-in and
cash-out.
Electronic transfer
of funds.
Internet banking,
phone banking,
credit card, ATM,
smart cards, direct
selling agents
Urban
Distribution of Services..
12. Recent Channel Included…
The marketing and distribution strategies of SBI are different in urban and
rural areas due to diverse demographic and socio-economic nature of these
markets.
SBI Announcements on two-wheelers
and other vehicles about SBI offerings
and informing the customers about the
site & schedule of enrolment camps in
the village
SBI organizing Campaigns at village
level to educate rural customers about
various financial offerings and organise
meetings with village residents at Gram
Panchayat level along with Village
Sarpanch, wherein the Sarpanch
introduces the BC (CSPs) & their
products to the villagers.
13. SBI Collaborates with the ‘Influential’ people
in the villages(teachers, Social workers,
NGOs) in educating the rural customers
about SBI offerings.
Organizing Road Shows, Skits etc. to create
awareness about the advantages of Saving
money and using it for better utilities.
Bank has also initiated “credit plus” services
such as setting up of rural training centres for
small enterprises, farmers clubs, knowledge centres,
credit counselling centres for educating the semi-
urban and rural population with respect to minimizing
yield risk and price risk in agriculture. This leads
to lower lending rates and lower credit risk.
SBI is the leading bank in the public sector and has
positioned itself a good brand in the minds of the
customers in every area of India, but instead of this
SBI is not so developed in the rural and semi-urban
areas.
14. Distribution Channel- Insurance Product
SBI LIFE
Bancassurance Agency
Channel
Insurance Agent Corporate Agent
Brokers Internet
The State Bank group promoted SBI Life Insurance Co to beef up its distribution network.
The life insurance company is planning to increase its distribution channels by both
increasing its own branches and of the group by which distribute insurance products.
SBI Life extensively leverages the SBI Group as a platform for cross-selling insurance
products along with its numerous banking product packages such as housing loans and
personal loans. SBI’s access to over 100 million accounts across the country provides a
vibrant base for insurance penetration across every region and economic strata in the
country ensuring true financial inclusion.
SBI launches the micro insurance products across the rural markets in India through State
Bank of India India, which has the country’s largest distribution network covering the entire
spectrum of rural India. This will help the company deepen life insurance penetration
particularly amongst customers in rural areas who will benefit from micro insurance.
15. The SBI group is entered pension sector once the pension bill is
passed. The centre is currently discussing the draft (Pension Funds
Regulatory and Development Authority) Bill and the investment
guidelines for non-government provident funds.
The services camps have been highly successful customers out-reach.
Through these camps their aim was to proactively understand issues
faced by our customers and provide on-the-spot and speedy
resolution. At the camps, they also disseminated valuable information
about credit card usage.
SBI Card has also successfully organized 250 service camps touching
2,10,000 customers in 31 cities in India over the last eight months. SBI
Card started this camp to forge better customer relationships and
proactively resolve customer queries. This is a first-of-its-kind initiative
in the Indian credit card industry.
Distribution of other services…
Souces: https://www.ukessays.com/essays/economics/marketing-of-financial-services-channels-of-distribution-sbi-
economics-essay.php
16. YONO (You Only Need One) is an integrated digital banking platform offered by State
Bank of India(SBI) to enable users to access a variety of financial and other services
such as flight, train, bus and taxi bookings, online shopping, or medical bill
payments.YONO is offered as a smartphone app for both Android and iOS.
YONO was launched on Friday 24 November 2017 by Arun Jaitley, the Finance Minister
of India.
YONO offers services from over 100e-commerce companies including online shopping,
travel planning, taxi booking, train booking,movie ticket booking, online education and
offline retail with special discounts. YONO also offer conventional mobile
banking services such as bank account opening, fund transfers, cashless bill payments,
and loans. The smartphone app can be used to make ATM withdrawals.
YONO – An integrated App for Financial Services…
17. Future prospects and projections…
272,596.17
305,961.94
343,411.68
385,445.27
432,623.77
Future Revenue Projection (TTM)
Year-
2020
Year-
2021
Year-
2022
Year-
2023
Year-
2024
Five year future projection
in terms of Revenue
generated by SBI Bank.
4,32,623
State Bank of India (SBI), India’s largest lender, has raised US$ 100 million in green bonds through
private placement (30-March-2020). According to SBI statement.
All the railway stations will have uniform cash remittance mechanism.
• Real time information about the cash being deposited by different stations which will help in
better supervision and accountability.
• Avoidance of unwanted accumulation of cash at railway stations.
• Smart way of remittance of station earnings.
18. SWOT Analysis…
STRENGTH
*Old government bank
*Largest Market Share
*Present in 36 countries
*Zero Promoters Pledge
*Strong Annual EPS Growth
WEAKNESS
*Company with High Debts
*Weak momentum
*Red Flag: High Interest Payments
Compared to Earnings
OPPORTUNITY
*Decrease in provision for debts
*Expanding Business to Asian market
*SBI’s merger with five more banks
*Modernization of some banking
operation
THREATS
*Global economic slowdown
*Close competition with PNB & BOB
SWOT
Analysis
Source: https://www.statebank-frankfurt.com/en/about-us.html
https://www.moneycontrol.com/swot-analysis/statebankofindia/SBI/strength
