Introduction

Established In 1806 at Calcutta as Bank Of Calcutta

It is the oldest bank of Indian sub-continent

Head Quarter- Corporate Center, Madam Cama Road, Mumbai.

Largest bank network in India with 16,000 branches

Over 8,500 ATM’s

Deposits- $195 Billion Revenues - $12 Billion SBI accounts for 1/5 of the nations

loans SBI is 29th amongst most reputable

companies in the world according to Forbes

Listed in B.S.E & N.S.E.

History

Started as ‘Bank Of Calcutta’ on 2nd June 1806

Later Renamed as ‘Bank Of Bengal’ Later Bank Of Madras, Bank Of

Bombay & Bank Of Bengal were merged to form ‘Imperial Bank Of India’ (1921).

It was nationalised on 1955 & renamed ‘State Bank Of India’

Segmentation

Geographic- Tier-I, Tier –II, Tier-III, Rural & Semi –urban Branches.

Age :- 10-59, 60 & above Income- Marginal, Low, Middle, High Occupation- Unskilled Workers,

Skilled workers, Shop Owners, Businessmen.

Geographic Segmentation Tier-I – Mortgage, Autoloan, Education

Loan, Investment & Insurance

Tier –II-Housing Loan, 2 wheeler Loan, Gold Loan, Credit Card, Mutual Funds.

Tier-III- Loan Against Property, Fixed Deposits, Insurance.

Rural & Semi –urban Branches- Agriculture Loans, Motor Loans, Etc.

Stage Banking Needs Financial Situation

10-26 Few Financial Burdens; recreation oriented

Low-cost checking; auto loan; credit card

27-40 Home purchasing peak; Liquid assets low;

Mortgage; Credit card; Revolving Credit Line; Bill Consolidation Loan

41-59 Good Financial Position; Home Improvement Loans; Equity Credit Lines; Money Mkt Deposit accounts Investment services 60 and

above Significantly reduced Income

Monthly Income Checks on CDs; Direct Deposit of Social Security

Income

Low- Fixed Deposits, Personal Loans, Agricultue Loans

Middle- Mutual Funds, Home Loan, Consumer Durable Loans, Education Loans,

High- Offers car loan, Credit card Services, Home improvement loans, Insurance.

Occupation

Unskilled Workers- Insurance Policies, Saving account, Investment Schemes.

Skilled workers- Loan for home, education, Consumer durables, Car Loans,

Shop Owners-   Cash Credits, Insurance, Loan against bonds.

Businessmen- Medium Term Loans, Loan against property , loan against gold.

PRODUCTS/SERVICES OFFERED

Personal Banking NRI Banking Current Accounts Corporate Banking  Term Deposits   Small Scale Industries Reinvestment Plan   Small Business

Finance   Public Provident Fund Agriculture Finance Scheme Housing Government Business Loans  Car Loans   Other Services Education Loans   Consumer Durables Loans   Personal Loans     Loans against Shares & Debentures     Gold Loans 

Fastest Growing SegmentBusiness Banking• Current Account & Services• Business Loans• Trade services• Advisory Services

Microfinancing In Rural & Semi –Urban Areas.

Rural & Semi–Urban Areas

70 % of population lives in Rural areas.

Rural Banking & Micro Finance Rural economy(Agriculture+

onagriculture) Consists of 50% of GDP

Current Demand For Credit In Rural India Is about 1,33,000. crs

Commercial Banks Cover Only 7% of rural sector &large market is still untapped

Possible Rural Financal Inclusions

Criteria Considered for rural areas Tie –Up With Indian Postal Services

To Penetrate The Rural Market Partner With NGO To act as

Business Facilators Low Cost ATM for wage distribution

having local language interface. Increasing Rural Penetration by using

methods such as ‘Bank On Wheels’ Using the ATM as mediators for loan

Leads