PRESENTATION

ON BANKING
PREPARED BY:-
VIVEK SINGH
NAROTTAM KUMAR
PINTU KUMAR
AMIT GUPTA
MAJOR BANKING PLAYERS
STATE BANK OF ICICI BANK
INDIA HDFC BANK
PUNJAB NATIONAL HSBC BANK
BANK CITY BANK
UNION BANK OF YES BANK
INDIA FEDERAL BANK
UNITED BANK OF
INDIA
CENTRAL BANK OF
INDIA
WHERE ARE
WE NOW ?
INTRODUCTION OF SBI
INDUSTRY-BANKING AND FINANCIAL SERVICE
FOUNDED- JULY 1 1955
OWNER-GOVT OF INDIA
LARGEST BANK IN INDIA
REVENUE-$28.212BILLION(2010)
PROFIT- $2.473BILLION(2010)
TOYAL ASSETS-323.043
 BRANCHES
1-SBI HAS 21000 ATMS.
2-SBI HAS 26500 BRANCHES, INCLUSIVE OF BRANCHES THAT
BELONG TO ITS ASSOCIATE BANKS.
3-SBI ALONE HAS 18500 BRANCHES.
4-SBI IS THE ONLY BANK CONSISTING 26% PARTICIPATION IN
PUBLIC SECTOR BANKS AND 39% PARTICIPATION IN
COMMERCIAL BANKS IN INDIA
5-EMPLOYEES:2,05,898
EXTERNAL FACTORS OF
MACRO
 POLITICAL
FACTORS
FOREIGN RELATIONS

PRESSURE GROUPS LIKES SHIV SENA,MNS PARTIES ETC

CHANGES IN GOVERNMENT

GOVERNMENT NEW POLICY & SCHEAMS


.
TECHNOLOGICAL
FACTORS
E – BANKING
ATMS
DEBIT CARD & CREDIT CARD
HAD MADE SHOPPING
CONVINENT
SOCIAL FACTORS
1-EDUCATION LEVEL
2-ATTITUDE OF PEOPLE
ECONOMICAL
FACTORS
1- RATE OF CRR,SLR
2-INTREST RATE
3-COMPETITOR
PORTFOLIO ANALYSIS
INSURANCE

MUTUAL FUND

BANKS
 SWOT ANALYSIS
STRENGHTS WEAKNESSES
.MARKET LEADER .EMPLOYEE BEHAVIOUR
.WIDE DISTRIBUTION NETWORK .LAGS MODERNIDATION
. MINOR HINDRANCES
.DIVERSIFIED PORTFOLIO

OPPORUNITY THREATS
. NEW BRANCHES AND ATMS .PRIVATE BANKS
. EXPANSION ON FOREIGN SOIL
. MERGER OF ASSOCIATE BANKS
.CRM
.EMPLOYEE STRIKES
 PORTERS FIVE FORCES
THEORY
THREAT OF COMPETITORS:
1- TOP PERFORMING PRIVATE SECTOR BANKS
2- TOP PERFORMING FOREIGN BANKS
3- SHARE MARKET
THREAT OF NEW ENTRANTS:
1- THERE HAVE BEEN MANY NEW ENTRANTS IN
BANKING SECTOR LIKE YES BANK
 THREAT OF SUBSTITUTES:
1-CAPITAL MARKET
2-LIFE INSURANCE
3-MUTUAL FUNDS

BUYING POWER OF SUPPLIES

1-CHANGING POLICIES AND GUIDELINES

OF RBI
2-INTEREST RATES
3-CRR AND SLR MAINTAINED BY THE
BANKS AS PER RBI NORMS.
BUYING POWER OF CUSTOMERS
1-CHANGING SCENARIOS
2-INCREASING AND DECREASING DISPOSABLE
INCOMES
3-ATTRACTIVE OPTIONS AVAILABLE TO
CUSTOMERS.
 WHERE WE
WANT TO GO?
 TOWS Matrix
Strengths Weaknesses
market leader hierarhical management
Wide distribution network
Lags modernisation
Employee behaviour
Diversified portfolio
Minor hindrances
Government owned

Opportunities SO Strategies WO Strategies

Merger of associate banks with SBI
Opportunities for public sector banks
New Branches and ATM's
Expansion on Foreign soil
 Invest in spreading Market share Focus on Emerging Markets through
 Add more customer amenities and localization
satisfaction  Develop more facilities for
 Fight competition in technology customers
oriented facillation. Server problem

Threats ST Strategies SW Strategies

Advent of MNC banks  Fight competition  Run more awareness campaigns on
Private banks venturing into the internet banking
 Focus on- door to door banking
rural
Employee Strike Also focus on acquisition Lack of advertisement

CRM Investment substitute

 SEGMENTATION
GEOGRAPHIC SEGMENTATION
I. NATIONS ,REGIONS,CITIES,STATES.
II. RURAL AND URBAN AREAS
III. INCOME GROUPS,AVAILBILITY

DEMOGRAPHIC SEGMENTATION
IV. AGE,GENDER,INCOME OCCUPATION/
V. RELIGION,GENERATION,NATIONALITY
VI. EDUCATION,SOCIAL CLASS
 PSYCHOGRAPHIC SEGMENTATION
I. PERSONALITY
II. VALUES
III. LIFESTYLES

BEHAVIORAL SEGMENTATION
I. SERVICES
II. QUALITY
III. FIRST TIME USERS,REGULAR USERS
 TARGETING
I. STATE Bank of India is targeting on
NRI clientele for its housing loan scheme.
II. STATE Bank of India is targeting on
rural sector.
III. STATE Bank of india is targeting on
loan section for example-education
loan,car loan,home loan etc
 POSITIONING
CUSTOMER-FOCUSED VALUE
CREATION NEW OFFER AND RELAXTION. FOR
EXAMPLE:-ZERO BALANCE ACCOUNT.
ADVERTISEMENT,CAMPAIGN
HOW TO REACH
THERE ?
 PEOPLE

CHAIRMAN – Mr. O.P. BHATT

He will be the longest tenure as SBI chairman in the

recent past . He will give his services till march 2011.

M.D. – Mr. R SHRIDHAN

 PHYSICAL
EVIDENCE

HEAD QUARTERS – MUMBAI ,

MAHARASHTRA.

Total Branches in INDIA- over

1600

OVER 131 overseas offices in 32

countries
 Subsidiaries of SBI
•STATE BANK OF INDORE
•STATE BANK OF HYDERABAD
•STATE BANK OF PATIALA
•STATE BANK OF TRAVANCORE
•STATE BANK OF BIKANER AND JAIPUR
 product
Investment Banking
Consumer Banking
Commercial Banking
Retail Banking
Private Banking
Asset Management
Pensions
Mortgages
Credit Cards
•SBI DFHI Ltd
•SBI Capital Markets Ltd
•SBI Mutual Fund (A Trust)
•SBI Factors and Commercial Services Ltd
•SBI Cards and Payment Services Pvt Ltd
•SBI Life Insurance Company Limited
•SBI Funds Management Pvt Ltd
•SBI Canada
 PLACE
•Corporate banking in traditional manner but most of the
branches are completely computed.
•Net banking for visually challenged.
•Secure card transaction for marketing and business.
•Foreign travel card to roam across the globe.
•SBI express remit.
•Bill payment.
•Online shopping for paper less purchasing.
•Mobile banking services to make the pace faster.
 Price
•Loan policy of bank has been reviewed and current
RBI guidelines have been incorporated.
•Increase in the term loan exposure limit to
infrastructure sector to 15% from 10%.
•Appointment of nominee director review and
authority structure.
•Prudential norms on unsecured advances.
•Guidelines of restructuring of advances by banks.
•Operational guidelines on forward exchange
contracts and derivatives.
•Policy for financing corporate on unsecured basis
to attract business.
 Promotion

IN
BHARTIYO
N
KA
BANK
•To develop a composite media plan using all available
forms of media so as to ensure that the key target
markets are reached with the core messages.
•To create better awareness of the use of Debit Cards.
•To build the SBI Debit Card “brand”.
•To encourage more users to use the Debit Card
services provided.
• Information regarding seasonality of the product is
an important consideration for the media planner.
 PROCESS
•Diversify to maximize income, growth and stability.
1.With you all the way
2.Pure banking nothing else
3.The Banker to every Indian
4.The Nation banks on
THANK
YOU