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SBI PRODUCT & SERVICES

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SBI PRODUCT & SERVICES

  1. 1. Introduction to Computer & MIS
  2. 2. • Binu Balan Nair – 304 – Batch 2
  3. 3. State Bank of India
  4. 4. • The roots of the State Bank of India lie in the first decade of the 19th century • Bank of Bengal, Bank of Bombay & Bank of Madras re- organised banking entity took as its name Imperial Bank of India. • The Reserve Bank of India, which is India's central bank, acquired a controlling interest in the Imperial Bank of India. On 1 July 1955 • The imperial Bank of India became the State Bank of India
  5. 5. Product offered by SBI
  6. 6. 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 • Rent Plus Scheme • SBI Educational Loan • Medi-Plus Scheme • SBI Personal Loan • Interest Rates • e-Invest (ASBA) - IPO
  7. 7. • SBI-linking Farmers & Corporate in agriculture • Contract Farming • Value Chain Financing • Warehouse Receipt Financing • Group Financing Corporate & Institutional Relationship
  8. 8. CORPORATE BANKING • Corporate Accounts Group (CAG) • Project Finance • Lease Finance • Export Credit • Strategic Business Units • Deferred Payment Guarantees • Term Loans
  9. 9. Government Business • Direct Taxes • Indirect Taxes • State Government Taxes • Pension • Senior Citizens Savings Scheme • Passport Seva Kendra • Online Payment User Guide • Pension Payment for Autonomous Institutions • Public Provident Fund (PPF) • Sukanya Samriddhi Yojana
  10. 10. Services offered by SBI
  11. 11. • DOMESTIC TREASURY • BROKING SERVICES • REVISED SERVICE CHARGES • ATM SERVICES • INTERNET BANKING • E-PAY • E-RAIL • SAFE DEPOSIT LOCKER • MICR CODES • FOREIGN INWARD REMITTANCES
  12. 12. NEW PRODUCT INTRODUCED • ZERO BALANCE SAVING A/C • MINOR BANK A/C • MINOR A/C LINKAGE TO RECURRING A/C • AGRIKART • FAMILY TREE A/C • PENSION A/C • MULTI CURRENCY A/C
  13. 13. • CORPORATE LOAN WITHOUT SECURITY ON PROFIT SHARING • 0% FORECLOSURE CHARGES • RESOURCE RM FOR CORPORATES
  14. 14. Zero balance savings AC – Minimum one year lock-in period – Will enable us to capture higher market share
  15. 15. Minor Bank AC – Interest rates higher than normal savings AC – Education loan for the minor at lower interest rate
  16. 16. Minor account linkage to recurring AC – Recurring AC for a minimum deposit of Rs 500/ month – Linked to family members AC
  17. 17. Agrikart – Post digitalization, bank to act as middlemen/financers between farmers and wholesalers/retailers – Bank branches could be used as warehouses for agricultural products
  18. 18. Family Tree AC – Savings AC for all members of the family, with a combined minimum balance of all accounts instead of individual minimum balance – Home loan at reduced interest rate, EMI to be ECSed from all the accounts alternately
  19. 19. Pension AC – Provide non dependency to customers even after retirement by giving pension amounts – Pension amount decided based on the customers average balance maintained in account
  20. 20. Multi-currency AC – Customers can hold their balance in any currency of their choice – Bank tie-ups with corresponding country’s banks to enable multi-currency holdings
  21. 21. Corporate loans without security or profit sharing – Corporate loans with higher interest rate, but without security – Corporate loans with normal interest rates, without security, but a share in company’s profits
  22. 22. Zero percent charges on loan foreclosing and other banking services – Zero percent loan foreclosing charges – No charges on mobile/net banking or ATM services
  23. 23. Resource RM for corporates • Raising funds through various sources apart from SBI Loan both national and international, keeping in mind the cost effectiveness. • Managing funds and treasury operation. • Investing the funds in both long term as well as short term capital needs.
  24. 24. Health check-ups – Bank tie-ups with hospitals to provide regular health check-ups for customers – Checks ups at discounted rates
  25. 25. Tailor-made health insurance – Tie-ups with insurance companies for bank customers’ insurance policies – Health Insurance schemes as per customers’ choices
  26. 26. Thank you

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