state bank of india power point

8/13/2019 State Bank of India Power Point

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state bank of india


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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


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CONTINUED

Deposits-$195 billion

Revenues-US$12 billion (2009)

Total assets-252.25 billion till 2009 State bank of india is 29threputable compony

in the world according to FORBES

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


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DIRECTORS

There are 13 directors in its central board

Shri O. P. Bhatt is the chairman

Shri S. K .Bhattacharya the managing directorof S.B.I


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ORGANISATION CHART

BOARD OF DIRECTORS

CHAIRMAN & MANAGING DIRECTOR

EXECUTIVE DIRECTOR


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Continued General Managers

Portfolios

1. Corporate Credit DivisionI (CCD-I) 9. Priority Sector Credit Dept

2. Corporate Credit DivisionII (CCD-II) 10. Premises & Maintenance Dept

3. Retail Banking Department 11. General Administration Dept

Board Secretariat,

Chief Compliance Officer

4. Planning & Development Dept 12. Central Accounts & Legal Dept

5. Recoveries Dept 13. Personnel Department

6. Dept. of Information Technology 14. Inspection Department

7. Risk Management & Monitoring Dept. 15 Vigilance Department

8. Treasury & International Banking Division

Regional Offices

Branches


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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


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COMPETETERS

PUNJAB NATIONAL BANK

ICICI BANK

HDFC BAK OF BARODA


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SBI provides different loan to

customers

Education loan

Personal loan Car loan

Student loan

Mortgage loan Home loan


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Home Loan approval procedure

Types of home loan: Home Purchase Loan

Home Improvement Loan

Home Extension Loan

Home Construction Loan

Land Purchase Loan

Documents required in Home Loan: Address ProofIncome Proof of the applicant & co-applicant Last 6 months bank A/C statement Passport size photograph of the applicant & co-applicant

Age proof


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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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Continued

Charges in home loan: Processing Charge

Administrative Fee

Legal Charges

Delayed payment Charges

Cheque bounce charges


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CURRENT RATE OF INTERESTLoan 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

9.00% (p.a.)

Floating I.R

OR

10.50% (p.a.)

Fixed I. RUp to 50 lack 8.00% (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

Above 50 lack 8.00% (p.a.)

FIXED.I.R

9.00% (p.a.)

Fixed I .R

10.00% (p.a.)

Floating I R

OR

11.00% (p.a.)

Fixed I R


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Eligibility Criteria & Documentation required for SBI Home Loan

Salaried Self employed

Age 21years to 60years 21years to 70years

Income Rs.1,20,000 (p.a.) Rs.2,00,000 (p.a.)

Loan Amount Offered 5,00,000 - 1,00,00000 5,00,000 - 2,00,00000

Tenure 5years-20years 5years-20years

Current Experience 2years 3years

Documentation 1) Application form with

photograph

2) Identity & residence

proof

3) Last 3 months salary slip4) Form 16

5) Last 6 months bank

salaried credit statements

6) Processing fee cheque

1) Application form with

photograph

2) Identity & residence

proof

3) Education qualificationscertificate & proof of

business existence

4) Business profile,

5) Last 3 years profit/loss &

balance sheet

6) Last 6 months bankstatements
http://www.deal4loans.com/sbi-home-loan.phphttp://www.deal4loans.com/sbi-home-loan.php


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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 agentEnforcement agent

Self help group


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Net non performing assetYEAR SBI PNB ICICI UTI SCB

1996 7.30 10.21 3.69 5.33 3.30

1997 7.31 10.38 3.22 3.66 2.88

1998 6.07 9.57 1.14 5.63 2.42

1999 7.33 8.96 2.88 6.32 NA

2000 6.65 8.52 1.53 4.71 2.04

2001 5.33 6.69 3.36 2.39 1.53

2002 5.63 5.32 5.48 3.46 3.46

2003 4.5 3.86 5.21 2.39 2.39

2004 3.48 0.98 2.21 1.29 1.29

2005 2.65 0.2 1.65 1.39 1.39

2006 1.87 0.29 0.72 0.98 0.98

2007 1.32 0.28 0.78 0.72 0.87


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Marketing strategy of SBI

Advertising as a marketing strategy

Internet servicing as marketing strategy

Maintaining public relationship as marketingstrategy

Modern technology as marketing strategy

Choice of channels for servicing as marketingstrategy

Distribution as marketing strategy


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Basic Functions of bank

Current Deposit/Current Account

Savings deposit/Savings Bank Accounts

Fixed deposit Banking Ombudsman