SUBMITTED

BY

AADITYA SOOD

INTRODUCTION

• STATE BANK OF INDIA IS A PUBLIC CORPORATION OWNED BY THE GOVERNMENT OF

INDIA. THIS MULTINATIONAL COMPANY DEALS EXCLUSIVELY IN THE FINANCIAL AND

BANKING SECTOR

• SBI WAS FOUNDED IN THE YEAR 1806 AND AT PRESENT, ITS HEADQUARTERS IS IN THE

CITY OF MUMBAI. IN TERMS OF ASSETS, IT IS THE LARGEST AND IN TERMS OF

ANCESTRY THE OLDEST BANKING EMPIRE IN INDIA.

• MISSION -

• TO BE A WORLD CLASS STANDARD PROVIDER IN BUSINESS COMMITMENTS WITH

EXCELLENCE TO CUSTOMERS, SHAREHOLDERS AND EMPLOYEES

• TO DIVERSIFY ITS FINANCIAL SERVICES WHILE CONTINUING ITS EFFORTS IN BANKING

ROLE

KEY AREAS OF OPERATIONS

MARKETING MIX

• PRODUCT IN THE MARKETING MIX 

• CARDS – TRAVELLING CARDS, DEBIT CARDS AND CREDIT CARDS

• CONSUMER BANKING SPECIAL TYPE OF ACCOUNTS FOR TEENAGERS, ACCOUNTS

FOR SENIOR CITIZENS ETC.

• LOANS –INCLUDES KINDS OF LOANS FROM STUDY LOAN TO MEDICAL LOAN AND

LOANS AGAINST SECURITIES

• MOBILE BANKING -WITH SBI BANK, BANKING IS NO LONGER WHAT IT USED TO BE.

SBI BANK OFFERS MOBILE BANKING FACILITY TO ALL ITS BANK, CREDIT CARD . SBI

BANK MOBILE BANKING ENABLES YOU TO BANK WHILE BEING ON THE MOVE

PLACE IN THE MARKETING MIX 

• HAS OPENED NEARLY 43,515 ATMS IN COUNTRY

• THE DISTRIBUTION CHANNELS ARE FULLY EQUIPPED WITH LATEST INFRASTRUCTURE,

TECHNOLOGY WITH MODERN FACILITIES & ATM &THE BRANCHES ARE INSTALLED AT

PLACES THAT ARE CONVENIENT TO BOTH THE BANKER AND THE CUSTOMER.

PROMOTION MIX

• ADVERTISING: TELEVISION, RADIO, MOVIES, THEATRES,,

• PRINT MEDIA: HOARDINGS, PAMPHLETS AND NEWSPAPER, MAGAZINES

• SALES PROMOTION: GIFTS, DISCOUNT, INCENTIVES, ETC,,

• THE MOTIVE IS CLIENTS BECOME IMPRESSED AND ARE ATTRACTED TO THE SERVICES

OF BANK. UNDER THE PROMOTIONAL STRATEGY, ADS ARE CREATED WITH FAMOUS

PERSONALITIES

SWOT ANALYSIS STRENGTHS

Brand name

Wide Distribution Network

Market Leader

Government Owned

WEAKNESS

image of the old Govt. sector bank

Huge amount of staff

Customer’s waiting period is long when compared to private banks

OPPORTUNITIES

Expansion into rural areas

international operations due to good inflow of money from Asian Market

THREAT

FDIs in banking sector is increased

Other government banks like PNB, Andhra, Allahabad bank

PEST ANALYSIS

• POLITICAL

• WEAKNESS IN INDIAN POLITICAL SYSTEM AFFECTS THE ECONOMIC FLEXIBILITY.

BUREAUCRACY, POOR ADMINISTRATION, COALITION OF INDIA’S FRAMEWORK OF POLICY-

MAKING. UNSTABLE POLITICS LEADS TO DELAYED DECISION MAKING AND IMPLEMENTATIONS.

• ECONOMIC

• INDIA'S ECONOMIC FLEXIBILITY IS DAMAGED BY ITS WEAK ECONOMIC STRUCTURE, WITH

LOW PER CAPITA GDP.

• THERE IS HIGH CREDIT RISK IN INDIAN BANKING SECTOR

• REGULAR CHANGE IN RATE OF INTEREST

• SOCIAL

• RURAL PART HAVE LARGELY DEPRIVED WITH THE BASIC BANKING FACILITY

• THE TECHNO TYPE CONSUMER PROVIDES OPPORTUNITY AS WELL AS POSES CHALLENGES

• TECHNOLOGICAL ENVIRONMENT

• FOCUSED ON CUSTOMER CENTRIC APPROACH -24*7 WITH CUSTOMER

• MOBILE BANKING, ATMS, INTERNET BANKING,ETC

• FOCUSING ON CASHLESS, PAPERLESS AND HASSLE-FREE WORKING

COMPETITIVE ANALYSIS ICICI BANK SBI

Bank Branches 3,588 15,054

ATMs 11,447 44,929

Deposits ₹2.93 TRILLION ₹12 TRILLION

Advances ₹2.9 TRILLION ₹10.5 TRILLION

Number of Employees 62,065 228,296

Customer Service Rank 33 36

ICICI VS SBI • CAPITAL AND RESERVE & SURPLUS: ₹667,060 CAPITAL AND RESERVE &

SURPLUS: ₹988,837

• DEPOSITS: ₹2,926,136 DEPOSITS: ₹12,027,396

• INVESTMENTS: ₹1,713,936 INVESTMENTS: ₹3,509,273

• ADVANCES: ₹2,902,494 ADVANCES: ₹10,456,166

• INTEREST INCOME: ₹400,756 INTEREST INCOME: ₹1,196,571

• OTHER INCOME: ₹83,457 OTHER INCOME: ₹160,348

• INTEREST EXPENDED: ₹262,092 INTEREST EXPENDED: ₹753,258

• OPERATING EXPENSES: ₹90,129 OPERATING EXPENSES: ₹292,844

• COST OF FUNDS: ₹4.6 COST OF FUNDS: ₹5.6

• RETURN ON ADVANCES ADJUSTED TO COF: ₹1.70 RETURN ON ADVANCES ADJUSTED TO COF: ₹0.91

• WAGES AS % OF TOTAL EXPENSES: 11.1% WAGES AS % OF TOTAL EXPENSES: 17.6%

• CAPITAL TO RISK ASSETS RATIO(CRAR): 18.7 CAPITAL TO RISK ASSETS RATIO(CRAR): 12.9

• NET NPA RATIO: 0.8 NET NPA RATIO: 2.1

STRATEGIES

• ALLIANCES AND TIE-UPS

• THINK TANK

• OVERLAPPING STAFF TRAINING

THANK YOU