state bank of india

INTRODUCTION
Established in 1806 at Calcutta as bank of Calcutta It is oldest bank of sub-continent Head quarter-corporate centre madam cama road ,Mumbai

Largest bank network with 16000 branches Over the 8500 ATMs Website:statebankofindia.com

CONTINUED
Deposits-$195 billion Revenues-US$12 billion (2009) Total assets-252.25 billion till 2009 State bank of india is 29th reputable compony in the world according to FORBES Listed in B.S.E & N.S.E

DIRECTORS
There are 13 directors in its central board Shri O. P. Bhatt is the chairman

Shri S. K .Bhattacharya the managing director of S.B.I

ORGANISATION CHART
BOARD OF DIRECTORS

CHAIRMAN & MANAGING DIRECTOR

EXECUTIVE DIRECTOR

Continued

General Managers
Portfolios 1. Corporate Credit Division I (CCD-I) 2. Corporate Credit Division II (CCD-II) 3. Retail Banking Department 9. Priority Sector Credit Dept 10. Premises & Maintenance Dept 11. General Administration Dept Board Secretariat, Chief Compliance Officer 12. Central Accounts & Legal Dept 13. Personnel Department 14. Inspection Department 15 Vigilance Department

4. Planning & Development Dept 5. Recoveries Dept 6. Dept. of Information Technology 7. Risk Management & Monitoring Dept. 8. Treasury & International Banking Division

Regional Offices

Branches

SERVICES
DOMESTIC TREASURY SBI VISHWA YATRA FOREIGN TRAVEL CARD BOKING SERVICES REVISED SERVICE CHARGES ATM SERVICES INTERNET BANKING E-PAY E-RAIL SAFE DEPOSIT LOCKERS

COMPETETERS
PUNJAB NATIONAL BANK ICICI BANK HDFC BAK OF BARODA

SBI provides different loan to customers

Education loan Personal loan Car loan Student loan Mortgage loan Home loan

Home Loan approval procedure

Types of home loan:
Home Purchase Loan Home Improvement Loan Home Extension Loan Home Construction Loan Land Purchase Loan Address Proof Income Proof of the applicant & co-applicant Last 6 months bank A/C statement Passport size photograph of the applicant & co-applicant Age proof

Documents required in Home Loan:

 Home loan process various steps involved:

find your property Know the Home Loan Eligibility Applying for the Loan Documentation & Verification Process Credit & default check Bank sanctions Loan & Offer letter to the borrower Acceptance Copy to the Bank Bank checks the legal documents Signing of agreement & the loan disbursal

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Charges in home loan:
Processing Charge Administrative Fee Legal Charges Delayed payment Charges Cheque bounce charges

CURRENT RATE OF INTEREST

Loan Schemes 1st Year 2nd and 3rd year After 3rd Year

Up to 5 lack

8.00% (p.a.) FIXED.I.R

9.00% (p.a.) Floating I.R OR 10.50% (p.a.) Fixed I.R 8.50% (p.a.) Fixed I.R

9.00% (p.a.) Floating I.R OR 10.50% (p.a.) Fixed I. R 9.00% (p.a.) Floating I.R OR 10.50% (p.a.) Fixed I. R
10.00% (p.a.) Floating I R OR 11.00% (p.a.) Fixed I R

Up to 50 lack

8.00% (p.a.) FIXED.I.R

Above 50 lack

8.00% (p.a.) FIXED.I.R

9.00% (p.a.) Fixed I .R

Eligibility Criteria & Documentation required for SBI Home Loan

Salaried Self employed

Age
Income

21years to 60years
Rs.1,20,000 (p.a.)

21years to 70years
Rs.2,00,000 (p.a.)

Loan Amount Offered

Tenure Current Experience Documentation

5,00,000 - 1,00,00000
5years-20years 2years 1) Application form with photograph 2) Identity & residence proof 3) Last 3 months salary slip 4) Form 16 5) Last 6 months bank salaried credit statements 6) Processing fee cheque

5,00,000 - 2,00,00000
5years-20years 3years 1) Application form with photograph 2) Identity & residence proof 3) Education qualifications certificate & proof of business existence 4) Business profile, 5) Last 3 years profit/loss & balance sheet 6) Last 6 months bank statements

Non performing asset

Types of NPA:
Sub-standard Doubtful NPA Loss assets

Reasons behind the NPA: Recovery of NPA:

Debt recovery tribunal Stress asset recovery cell ( SARC) Recovery agent Enforcement agent Self help group

Net non performing asset

YEAR 1996 1997 SBI 7.30 7.31 PNB 10.21 10.38 ICICI 3.69 3.22 UTI 5.33 3.66 SCB 3.30 2.88

1998
1999 2000 2001 2002 2003 2004 2005 2006 2007

6.07
7.33 6.65 5.33 5.63 4.5 3.48 2.65 1.87 1.32

9.57
8.96 8.52 6.69 5.32 3.86 0.98 0.2 0.29 0.28

1.14
2.88 1.53 3.36 5.48 5.21 2.21 1.65 0.72 0.78

5.63
6.32 4.71 2.39 3.46 2.39 1.29 1.39 0.98 0.72

2.42
NA 2.04 1.53 3.46 2.39 1.29 1.39 0.98 0.87

Marketing strategy of SBI

Advertising as a marketing strategy Internet servicing as marketing strategy Maintaining public relationship as marketing strategy Modern technology as marketing strategy Choice of channels for servicing as marketing strategy Distribution as marketing strategy

Basic Functions of bank

Current Deposit/Current Account Savings deposit/Savings Bank Accounts Fixed deposit Banking Ombudsman