Services

DOMESTIC TREASURY
Treasury services is a function of an investment bank which provides transaction, investment,
and information services for chief financial officers or treasurers.[Treasury services concentrates
and invests client money, and provides trade finance and logistics solutions as well as
safeguards, values, clears and services securities and portfolios for investors and broker-dealers.
Treasury Services is a transaction intensive and system intensive business. This is a source of
risk free fees income for the bank

The SBI treasury, which is the second largest in the country after Life Insurance Corporation's
(LIC), chipped in Rs 810 crore to the total profit last year. It was garnered from the sale of
investments in domestic segment, besides Rs 288 crore from overseas treasury operations,
totaling a full Rs 1,098 crore.

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 Centers in the cash market. We furnish hereunder the
location of these Centers with full particulars of the contact persons. All investors can approach
these branches for their broking needs.

ATM SERVICES
State Bank offers you the convenience of over 50,000+ ATMs in India, the largest network in the
country and continuing to expand fast! This means that you can transact free of cost at the ATMs
of State Bank Group (This includes the ATMs of State Bank of India as well as the Associate
Banks - namely, State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of
Mysore, State Bank of Patiala, and State Bank of Travancore) and wholly owned subsidiary viz.
SBI Commercial and International Bank Ltd., using the State Bank ATM-cum-Debit (Cash Plus)
card.

INTERNET BANKING
The Internet banking portal of SBI bank, enables its retail banking customers to operate their
accounts from anywhere anytime, removing the restrictions imposed by geography and time. It's
a platform that enables the customers to carry out their banking activities from their desktop,
aided by the power and convenience of the Internet.
Using Internet banking services, you can do the following normal banking transactions online:
 Funds trans
 Third party
 Group Tran
 Inter Bank
 Online stan
 Credit PPF
 Request for
 Request for
 Request for
 Request for
 Earn reward

SAFE DEPOSIT LOCKER

For the safety of your valuables we offer our customers safe deposit vault or locker facilities at a
large number of our branches. There is a nominal annual charge, which depends on the size of
the locker and the center in which the branch is located.

SAFE DEPOSIT LOCKER

For the safety of your valuables we offer our customers safe deposit vault or locker facilities at a
large number of our branches. There is a nominal annual charge, which depends on the size of
the locker and the center in which the branch is located.

FOREIGN INWARD REMITTANCE

 Drafts in Indian rupees can be purchased from exchange companies or our
correspondents and mailed to the branch where you have your account.
 Telegraphic or wire transfers can be made through our branches abroad or our
correspondents to branches having SWIFT/TT drawing arrangements. Please indicate
your account number clearly.
 Cheques can be deposited for credit of your accounts. These will be collected and
credited to your accounts.
 Travelers cheques can be tendered by you personally during your visit to India.
 For speedy credit to accounts from Gulf, you can use SBI Express.

State Bank NO Queue Mobile App

The State Bank “NO Queue” app empowers you to efficiently book a virtual token at your own
convenience from any place without being physically present in the branch. With NO Queue app,
you can book a virtual queue ticket for your nearest branch and get real time status notification of
your position in the queue. Thus you can virtually book your queue ticket to avoid long queues and
spend your valuable time before we let you know when to arrive at the branch.
Product
1. Zero balance savings A/C – Minimum one-year lock-in period – Will enable us to
capture higher market share
2. Minor Bank A/C – Interest rates higher than normal savings AC – Education loan for the
minor at lower interest rate
3. Minor account linkage to recurring A/C – Recurring AC for a minimum deposit of
Rs 500/ month – Linked to family member’s AC
4. Agrikart – Post digitalization, bank to act as middlemen/financers between farmers and
wholesalers/retailers – Bank branches could be used as warehouses for agricultural products
5. Family Tree A/C – Savings A/C for all members of the family, with a combined minimum
balance of all accounts instead of individual minimum balance – Home loan at reduced
interest rate, EMI to be ECSed from all the accounts alternately
6. Pension A/C – Provide non dependency to customers even after retirement by giving
pension amounts – Pension amount decided based on the customer’s average balance
maintained in account
7. Multi-currency A/C – Customers can hold their balance in any currency of their choice
– Bank tie-ups with corresponding country’s banks to enable multi-currency holdings
8. Corporate loans without security or profit sharing – Corporate loans with higher
interest rate, but without security – Corporate loans with normal interest rates, without
security, but a share in company’s profits
9. Zero percent charges on loan foreclosing and other banking services – Zero
percent loan foreclosing charges – No charges on mobile/net banking or ATM services
10. Health check-ups – Bank tie-ups with hospitals to provide regular health check-ups for
customers – Checks ups at discounted rates
11. Tailor-made health insurance – Tie-ups with insurance companies for bank
customers’ insurance policies – Health Insurance schemes as per customers’ choices

1. : SWOT analysis
Strengths: Brand name: SBI Bank has earned a reputation in the market over the period of
time(it is the oldest bank in India since 1806)
Wide Distribution Network: Excellent penetration in the country with more than 10000 core
branches and more than 5100 branches of associate banks
Government Owned: Government owns 60% stake in SBI. This gives SBI an edge over
private banks in terms of customer security
Weaknesses:
 The existing hierarchical management structure of the bank, although strength in some
respects, is a barrier to change
Still carries the image of the old Govt. sector bank
 SBI has the largest number of employees in banking sector, hence the bank spends a
considerable amount of its income in employee’s salary compensation
 Though SBI is occupying the 2nd position in the credit card industry, it has the highest
non-performing assets in the industry, which stand out to be at 16.28 % (Dec 2014)
2. 6. Opportunities:
 Increasing trade and business relations and a large number of expatriate populations offers
a great opportunity to expand on foreign soil
 Expansion into rural areas will help expand is network mre and attract more numbers of
customers
Micro Finance: there is a lot of growth opportunity in the area of micro finance
Threats:
The changing interest rates & also the changing policies ofRBI.
Slow down in the domestic economy will raise a concern over credit off-take thereby
Impacting earnings growth
 FDI allowed in banking sector is now increased,this can be a major threat to SBI as people
tend to switch to foreign banks for better facilities and technologies in banking
 Private banks have started entering and penitrating into the rural and semi-urban sector,
which used to be the main area of the State Bank and other