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INTRODUCTION State Bank OF India is Indias largest bank with total assets of US$ 260

billion at September 31, 2009.

The Bank has a network of 16,000 branches and about 3000ATMs in India

and presence in 32 countries.

SBI Bank offers a wide range of banking products and financial services.

The Bank currently has subsidiaries in the United Kingdom, Russia and

Canada, branches in United States, Singapore, Hong Kong, Sri Lanka, Qatar

and Dubai International Finance Centre and representative offices in United

Arab Emirates, China, South Africa, Thailand, Malaysia and Indonesia .

SBI Banks equity shares are listed in India on Bombay Stock Exchange and

the National Stock Exchange of India Limited.

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SYMBOLMEANING OF SYMBOL State Bank of India logo is in the shape

of a key hole.

This symbolizes the banks security.

Further the round shape of the logosymbolizes that the bank is the largestbank of India with its branches spreadall over the country.

The meaning of LOGO of STATEBANK OF INDIA is that in such a bigEarth(World), WE SERVE EVEN ASMALL MAN ALSO (denoted by anarrow line).

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SLOGAN

"Pure banking

nothing else

"With you all the

way

"a bank of common

man

" Banker to everyIndian"

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Associates Banks

SBI has five associate banks:

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

State Bank of Mysore

State Bank of Patiala

State Bank of Travancore

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History The roots of the State Bank of India lie in the first decade of 19th

century, when the Bank of Calcutta, later renamed the Bank ofBengal, was established on 2 June 1806.

The Bank of Bengal was one of three Presidency banks, the other

two being the Bank of Bombay (incorporated on 15 April 1840) and

the Bank of Madras (incorporated on 1 July 1843)

All three Presidency banks were incorporated as joint stock

companies and were the result of the royal charters.

These three banks received the exclusive right to issue paper

currency in 1861 with the Paper Currency Act.

The Imperial Bank of India remained a joint stock company. Pursuant to the provisions of the State Bank of India Act of 1955,

the Reserve Bank of India, which is India's central bank, acquired a

controlling interest in the Imperial Bank of India.

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Pursuant to the provisions of the State Bank of India Act of 1955, the

Reserve Bank of India, which is India's central bank, acquired a controlling

interest in the Imperial Bank of India.

On 30 April 1955, the Imperial Bank of India became the State Bank of

India.

The government of India recently acquired the Reserve Bank of India's stake

in SBI so as to remove any conflict of interest because the RBI is the country's

banking regulatory authority.

In 1959, the government passed the State Bank of India (Subsidiary Banks)

Act, enabling the State Bank of India to take over eight former state-associated banks as its subsidiaries.

On 13 September 2008, the State Bank of Saurashtra, one of its associate

banks, merged with the State Bank of India.

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Mission Develop into a top rate, nimble footed banking institution committed

to excellence in services to its customers, enhancing stakeholders

value though care and competence and fulfilling obligations to the

community at large.

Vision Statement Attain high standards of efficiency and professionalism and

core institutional values comparable to the best in the field.

To be a committed, caring and responsible corporate citizen.

To provide a satisfying work environment with opportunities for

learning, self-development and self-actualization.

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Sr.

No.

Name Designation Under Section of SBI Act

1955

1 Shri Pratip Chaudhuri Chairman 19 (a)

2 Shri Hemant G. Contractor Managing Director 19 (b)

3 Shri Diwakar Gupta Managing Director 19 (b)

4 Shri A. Krishna Kumar Managing Director 19 (b)

5 Shri Dileep C. Choksi Director 19 (c)

6 Shri S. Venkatachalam Director 19 (c)

7 Shri D. Sundaram Director 19 (c)

8 Shri Parthasarathy Iyengar Director 19 (c)

9 Shri Jyoti Bhushan Mohapatra Workmen Employee Director 19 (ca)

10 Shri Rashpal Malhotra Director 19 (d)

11 Shri Deepak Ishwarbhai Amin Director 19 (d)

12 Shri D. K. Mittal Director 19 (e)

13 Dr. Subir V. Gokarn Director

List of Directors on the Central Board ofState Bank of India

(As on 1st June 2012)

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Shri Pratip Chaudhuri

Shri Hemant G. Contractor Shri A. Krishna KumarShri Diwakar Gupta

Shri D. SundaramShri Dileep C. Choksi

Shri ParthasarathyIyengarShri S. Venkatachalam

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Branches of SBI State Bank of India has 172 foreign offices in 37 countries

across the globe.

SBI has about 26,000+ ATMs (25,000th ATM wasinaugurated by the then Chairman of State Bank Shri O.P.Bhatt on 31 March 2011, the day of his retirement); and SBI

group(including associate banks) has about 45,000 ATMs.

SBI has 21,500 branches, including branches that belong to itsassociate banks.

SBI includes 99345 offices in India.

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SERVICES BROKING SERVICES

REVISED SERVICE CHARGES

ATM SERVICES

INTERNET BANKING

E-PAY

E-RAIL

RBIEFT

MICR CODES

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Internet Banking

The Internet banking portal of ourbank, enables its retail bankingcustomers to operate their accountsfrom anywhere anytime, removingthe restrictions imposed bygeography and time.

It's a platform that enables the

customers to carry out their bankingactivities from their desktop, aidedby the power and convenience of theInternet.

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Features of Internet Banking Funds transfer between own accounts.

Third party transfers to accounts maintained at any branch of SBI

Group Transfers to accounts in State Bank Group

Inter Bank Transfers to accounts with other Banks

Online standing instructions for periodical transfer for the above

Credit PPF accounts across branches

Request for Issue of Demand Draft

Request for opening of new accounts

Request for closure of Loan Accounts

Request for Issue of Cheque Book

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ATM Services

State Bank offers you the

convenience of over 26,000 ATMs

in India, the largest network in the

country and continuing to expandfast! This means that you can

transact free of cost at the ATMs of

State Bank Group .

SBI Commercial and International

Bank Ltd., using the State Bank

ATM-cum-Debit (Cash Plus) card.

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Make payments for purchases by using the debit card at more than 4 lakh shops,

restaurants, shopping malls, hotels, petrol pumps and many other outlets which

display Maestro logo.

Recharge pre-paid mobile phones of Vodafone, IDEA, Reliance and BPL without

any charges at any State Bank ATM.

Payment of Bills such as phone, electricity

Payment of SBI Credit Card bills

Payment of SBI Life insurance premium

Pay fees of select colleges

Registration of SBI Mobile Banking and SMS Alerts

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E-RAIL

Book your Railways Ticket Online.

1. All Internet banking customers can use the facility.

2. You are required to register on www.irctc.co.in. You can select your traindepending on your journey and book your ticket online.

3. On giving payment option as SBI, the user will be redirected to onlinesbi.com.After logging on to the site you will be displayed payment amount, TID No. andRailway reference no.

4. On selecting the payment amount your account will be debited. You will returnto www.irctc.co.in . The ticket with PNR No. will be displayed. You can print theticket.

5. The ticket can be delivered or collected by the customer.

6. The Payment amount will include ticket fare including reservation charges,courier charges and Bank Service fee of Rs 10/.

7. For cancellation, the has ticket to be presented over reservation counter.

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RBIEFT

Inter-bank Electronic Funds Transfer

facility of the Reserve Bank of India (RBI -

EFT) is available with our branches in the

clearing zone of Service Branches at

Kolkata, Mumbai, New Delhi and Chennai.

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Broking Services SBI Capital Markets Ltd. has expanded its

retail broking network to help investors carry

out their broking transactions with confidence.

At present the investors can buy/sell shares at

both NSE and BSE through their Retail

Broking Centres in the cash market.

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MAGNETIC INK CHARACTER

RECOGNITION (MICR)

In MICR technology the information isprinted on the instrument with aspecial type of ink which is made up ofmagnetic material.

On insertion of the instrument in themachine, the printed information isread by the machine.

MICR system is beneficial as itminimizes chances of error, clearing ofcheques becomes easy and transfer offunds becomes faster in order tofacilitate operations.

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AGRICULTURE / RURAL

State Bank of India Catersto the needs ofagriculturists and landlessagricultural labourersthrough a network of 8750rural and semi-urbanbranches.

We are the leaders in agrifinance in the country witha portfolio of Rs. 64,000 crsin agri advances coveringaround 80 lac accounts.

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NRI SERVICES

State Bank of India is the bankof choice for Indians whereverthey live.

Their vast network are spreadover are 14,500 domesticbranches, 53 dedicated NRIBranches in India, 173 ForeignOffices in 34 countries,Correspondent Banking

relations with 475 globalbanks

NRIs can enjoy anywhere anytimebanking facilities.

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INTERNATIONAL BANKING

International

banking services of State

Bank of India are

delivered for the benefitof its Indian customers,

non-resident Indians,

foreign entities and banks

through a networkof173offices/branches

in 33 countries.

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CORPORATE BANKING

SBI is a one shop providingfinancial products / servicesof a wide range for large ,medium and small

customers both domesticand international. Theyprovide this services:-

Term Loans

Deferred PaymentGuarantees

Corporate Loans

Export Credit

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GOVERNMENT BUSINESS

State Bank of India's linkage with

Government business are widespread.

No wonder that out of 9315 branches in

India, about 7000 branches are conducting

Government Business.

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SME State Bank of India has been playing a vital

role in the development of small scaleindustries since 1956.

The Bank has financed over 8 lakhs SSI units in

the country.

It has 55 specialized SSI branches, 99 branchesin industrial estates and more than 400

branches with SIB divisions.

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PRODUCT

PLACE

PRICE

PROMOTIONPEOPLE

PROCESS

PHYSICAL

EVIDENCE

MAREKETING

MIX

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PRODUCT

DEPOSITS

INVESTMENTS

ANYWHEREBANKING

LOANCARDS

DEMATSERVICES

MOBILEBANKING

1. PRODUCT

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Deposits

SavingAccounts Senior CitizenServices

FixedDeposits

RecurringDeposits

Bank @

Campus

SBI BankSalary

Account

A. DEPOSIT

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Investments

SBIMutualFunds

SBI LifeInsurance

SBI GoldBonds

Cards

CreditCard

Debitcum ATMCard

TravelCard

B. INVESTMENT

C. CARDS

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LOAN

Home

Loans

Commercial

Vehicle Loans

Personal

LoansCar Loans

2-Wheeler

Loans

Medical

Loans

Loans

Against

Securities

Farm

Equipments

Loans

Construction

Equipments

Loans

Office

Equipments

Loans

D. LOAN

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E. ANYWHERE BANKING

SBI Bank is the largest bank in the country. It services a customer base ofmore than 150 million customer accounts through a multi-channel access

network.Features:Thus, one can access the various services SBI Bank has to offer at anytime,anywhere and from anyplace.

F. DEMAT SERVICESSBI Bank Demat Services boasts of an ever-growing customer base of over12 lacs account holders.Features: Digitally signed transaction statement by e-mail.

Corporate benefit tracking.

e-Instruction facility through Internet Interactive Voice Response (IVR) ata lower cost.

Dedicated specially trained customer care executives to handle all queries.

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G. MOBILE BANKING

SBI Bank offers Mobile Banking facility to all its Bank, Credit Card andDemat customers.

SBI Bank Mobile Banking enables you to bank while being on the move.

ONLINE MONEY TRANSFER facility available to NRIs worldwidethrough the click of a button.

Features:

FREE Money transfers into accounts in India

ONLINE Tracking of the status of your funds

SUPERIOR Exchange rates

OFFLINE MONEY TRANSFER facility

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The 2 important decision making areas are: making available the promised

services to the ultimate users and selecting a suitable place for bank branches.

The selection of a suitable place for the establishment of a branch is significant

with the view point of making place accessible.

The safety and security provisions

Convenient to both the parties, such as the users and the bankers

Infrastructure facility

Near to station and located on s. v. road well crowded area.

Market coverage

2. PLACE

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The pricing decisions or the decisions related to interest and fee or

commission charged by banks are found instrumental in motivating or

influencing the target market.

The RBI and the IBA are concerned with regulations. The rate of interest is

regulated by the RBI and other charges are controlled by IBA.

The banking organizations are required to frame two- fold strategies.

First, the strategy is concerned with interest and fee charged.Second strategy is related to the interest paid.

Risk of Loss plays important role in the pricing of earning assets Banks

assign a risk weighting to individual loans over a certain size or based on loan

type and assign a credit risk charge based on those ratings.

Asset and liability mix also impacts pricing results. Banks operating with

higher loan-to-asset ratios are able to afford to pay more for deposits.

3. PRICING

Television

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Promotion

Advertising

Television

Theatres

Print Media

Hoarding

Newspaper

Publicity

Campus

Visits

Sponsorship

Sales

Promotion

Gifts

Discounts

PersonalSelling

Cross-Sales

PersonalizedService

4. PROMOTION

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All people directly or indirectly involved in the consumption of banking

services are an important part of the marketing mix. Knowledge Workers,Employees, Management and other Consumers often add significant value to the

total product or service offering.

In a bank organization, employees are essentially the contact personnel with

customer. It is the employees of a bank which represent the organization to its

customers.

To realize its potential in bank marketing, SBI become conscious in its

potential in internal marketingthe attraction, development, motivation and

retention of qualified employee-customers through need meeting job-products.

The basic objective of internal marketing is to develop motivated and customerconscious employees.

A service company can be only as good as its people. If the people dont meet

customers expectations, then neither does the service. Therefore, investing in

people quality in service business means investing in product quality.

5. PEOPLE

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PROCESSFlow

of

activities

Standardization

Customization

Number of steps

Simplicity

Customer involvement:

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PhysicalEvidence

Internet/Web Pages

Paperwork

BrochuresFurnishings

Business

Cards

7. PHYSICAL

EVIDENCE

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STRENGTH WEAKNESS

Brand Name

Wide Distribution Network

Market Leader

Diversified PortfolioLow Transition Cost

Highest market

Capitalization & Profits

Hierarchical

management structure

Highest non performing

assets (NPAs)

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OPPORTUNITIES

Financial Inclusion

Rural India

Merger of associate bankswith SBI

Global expansion Micro Finance

Branch Expansion

Strong economic growth

Corporate demand forcredit

THREATS

Advent of MNC banks

Changing interest ratesand the changing policiesof RBI

Competition in the retailsegment

Private banks in the ruraland semi-urban sector

Change in governmentpolicies

Ch ll f th B k

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Challenges for the Bank

The bank faced several extraordinary challenges in implementing acentralized core processing system.

These challenges included finding a new core system that couldprocess approximately 75 million accounts dailya numbergreater than any bank in the world was processing on a centralized

basis. Moreover, the bank lacked experience in implementing centralized

systems, and its large employee base took great pride in executingcomplex transactions on local in-branch systems.

Another challenge was meeting SBI's unique product requirements

that would require the bank to make extensive modifications to anew core banking system. The products include gold deposits (byweight), savings accounts with overdraft privileges, and anextraordinary number of passbook savings accounts.

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CONCLUSION

SBI is the largest bank of INDIA spread over the worldwith its wide delivery channels.

As its slogan says it has proved that it is nothing but pureBanking.

Not only domestically, it has expanded globally.

SBI not only provides the services which we saw but istrying to come up with innovative products.

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Thank

You

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ANY QUERRIES???