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PRESENTATION

ON BANKINGPREPARED BY:-

VIVEK SINGHNAROTTAM KUMARPINTU KUMAR

AMIT GUPTA


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MAJOR BANKING PLAYERSy STATE BANK OF

INDIA

y PUNJAB NATIONALBANK

y UNION BANK OFINDIA

y UNITED BANK OFINDIA

y CENTRAL BANK OF

INDIA

y ICICI BANK

y HDFC BANK

y HSBC BANKy CITY BANK

yYES BANK

y FEDERAL BANK


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WHERE ARE

WE NOW?


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INTRODUCTION OF SBIINDUSTRY-BANKING AND FINANCIAL SERVICE

FOUNDED- JULY 1 1955OWNER-GOVT OF INDIA

LARGEST BANK IN INDIAREVENUE-$28.212BILLION(2010)PROFIT- $2.473BILLION(2010)

TOYAL ASSETS-323.043


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BRANCHES1-SBI HAS 21000 ATMS.

2-SBI HAS 26500 BRANCHES, INCLUSIVE OF BRANCHESTHAT BELONG TO ITS ASSOCIATE BANKS.

3-SBI ALONE HAS 18500 BRANCHES.

4-SBI IS THE ONLY BANK CONSISTING 26% PARTICIPATIONIN PUBLIC SECTORBANKSAND 39% PARTICIPATION INCOMMERCIAL BANKS IN INDIA

5-EMPLOYEES:2,05,898


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EXTERNAL FACTORS OF

MACRO


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FOREIGN RELATIONSPRESSURE GROUPS LIKES SHIVSENA,MNS PARTIES ETCCHANGES IN GOVERNMENT

GOVERNMENT NEWPOLICY &SCHEAMS

.


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E BANKINGATMS

DEBIT CARD & CREDIT CARD

HAD MADE SHOPPING

CONVINENT


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1-EDUCATION LEVEL

2-ATTITUDE OF PEOPLE


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1- RATE OF CRR,SLR2-INTREST RATE

3-COMPETITOR


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PORTFOLIO ANALYSIS

INSURANCE

BANKS

MUTUAL FUND


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SWOT ANALYSISSTRENGHTS.MARKET LEADER

.WIDE DISTRIBUTION NETWORK.DIVERSIFIED PORTFOLIO

WEAKNESSES

.EMPLOYEE BEHAVIOUR

.LAGS MODERNIDATION

. MINOR HINDRANCES

OPPORUNITY. NEWBRANCHES AND ATMS. EXPANSION ON FOREIGN SOIL. MERGER OF ASSOCIATE BANKS

THREATS.PRIVATE BANKS.CRM

.EMPLOYEE STRIKES


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PORTERS FIVE FORCES

THEORY

THREAT OF COMPETITORS:

1- TOP PERFORMING PRIVATE SECTOR BANKS

2- TOP PERFORMING FOREIGN BANKS3- SHARE MARKET

THREAT OF NEW ENTRANTS:

1- THERE HAVE BEEN MANY NEWENTRANTS INBANKING SECTOR LIKE YES BANK


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THREAT OF SUBSTITUTES:

1-CAPITAL MARKET

2-LIFE INSURANCE

3-MUTUAL FUNDS

BUYING POWER OF SUPPLIES

1-CHANGING POLICIES AND GUIDELINES

OF RBI2-INTEREST RATES3-CRR AND SLR MAINTAINED BY THEBANKS AS PER RBI NORMS.


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BUYING POWER OF CUSTOMERS

1-CHANGING SCENARIOS

2-INCREASING AND DECREASING DISPOSABLE

INCOMES3-ATTRACTIVE OPTIONS AVAILABLE TO

CUSTOMERS.


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WHEREWEWANT TO GO?


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TOWS Matrix

Strengths

market leader

Wide distribution network

Diversified portfolio

Government owned

Weaknesses

hierarhical managementLags modernisationEmployee behaviourMinor hindrances

OpportunitiesMergerofassociatebanks with SBIOpportunitiesforpublicsectorbanksNew Branchesand ATM'sExpansionon Foreignsoil

SO Strategies

Invest in spreading Market share

Add more customer amenities and

satisfaction

Fight competition in technology

oriented facillation.

WO Strategies

Focus on Emerging Markets through

localization

Develop more facilities for

customers

Server problem

ThreatsAdventofMNCbanksPrivatebanksventuringintotheruralEmployee Strike

CRM

ST Strategies

Fight competition

Focus on- door to door banking

Also focus on acquisition

Investment substitute

SW Strategies

Run more awareness campaigns on

internet banking

Lack of advertisement


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SEGMENTATIONGEOGRAPHIC SEGMENTATION

I. NATIONS ,REGIONS,CITIES,STATES.

II. RURAL AND URBAN AREAS

III. INCOME GROUPS,AVAILBILITY

I.AGE,GENDER,INCOME OCCUPATION/

II. RELIGION,GENERATION,NATIONALITY

III. EDUCATION,SOCIAL CLASS

DEMOGRAPHIC SEGMENTATION


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PSYCHOGRAPHIC SEGMENTATION

I. PERSONALITY

II. VALUES

III. LIFESTYLES

BEHAVIORAL SEGMENTATIONI. SERVICESII. QUALITY

III. FIRST TIME USERS,REGULAR USERS


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TARGETINGI. STATE BankofIndiaistargeting on

NRI clienteleforitshousingloanscheme.

II. STATE Bankof Indiais targetingonruralsector.

III.STATE Bankofindia istargetingon

loansectionforexample-educationloan,car loan,home loanetc


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POSITIONING

yCUSTOMER-FOCUSED VALUE

y CREATION NEWOFFER AND RELAXTION. FOREXAMPLE:-ZERO BALANCE ACCOUNT.

yADVERTISEMENT,CAMPAIGN


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CHAIRMAN Mr. O.P. BHATT

He willbethelongesttenure as SBI chairmanintherecentpast . He willgivehisservicestillmarch 2011.

M.D. Mr. R SHRIDHAN


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PHYSICAL

EVIDENCE

HEAD QUARTERS MUMBAI ,

MAHARASHTRA.

Total Branchesin INDIA- over

1600

OVER 131 overseasofficesin32

countries


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Subsidiaries of SBI

STATE BANK OF INDORESTATE BANK OF HYDERABADSTATE BANK OF PATIALA

STATE BANK OF TRAVANCORESTATE BANK OF BIKANER AND JAIPUR


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product

Investment BankingConsumer BankingCommercial Banking

Retail BankingPrivate Banking

Asset ManagementPensions

MortgagesCredit Cards


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SBI DFHI LtdSBI Capital Markets Ltd

SBI Mutual Fund (A Trust)

SBI Factors and Commercial Services LtdSBI Cards and Payment Services Pvt Ltd

SBI Life Insurance Company Limited

SBI Funds Management Pvt Ltd

SBI Canada


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PLACPLAC

Corporatebankingintraditionalmannerbutmostofthebranchesarecompletelycomputed.Netbankingforvisuallychallenged.Securecardtransactionformarketingandbusiness.

Foreigntravelcardtoroamacrosstheglobe.SBI expressremit.Billpayment.Onlineshoppingforpaperlesspurchasing.Mobilebankingservicestomakethepacefaster.


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PriceLoanpolicyofbankhasbeenreviewedandcurrentRBI guidelines havebeenincorporated.Increaseinthetermloanexposurelimittoinfrastructuresectorto 15% from 10%.

Appointmentofnomineedirectorreviewandauthoritystructure.Prudentialnormsonunsecured advances.Guidelinesofrestructuringof advancesbybanks.

Operationalguidelinesonforwardexchangecontractsandderivatives.Policyforfinancingcorporateonunsecuredbasistoattractbusiness.


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Promotion


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Todevelopacompositemediaplanusingallavailableformsofmediasoastoensurethatthekeytarget

marketsarereached withthecoremessages.TocreatebetterawarenessoftheuseofDebit Cards.Tobuildthe SBI Debit Card brand.Toencouragemoreuserstousethe Debit Card

servicesprovided. Informationregardingseasonalityoftheproductisanimportantconsiderationforthemediaplanner.


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PROCESS

Diversify to maximize income, growth and stability.

1.Withyouallthe way2.Purebankingnothingelse3.The BankertoeveryIndian4.The Nationbankson


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THANK

YOU

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