Professional Documents
Culture Documents
ABOUT SBI
Origin: The Bank of Calcutta 2 June 1806 Fortune 500 list Branches: 10000 own & 5100 associates ATM centres: 21000+ 4 National level Apex Training colleges & 54 Learning Centres
PRODUCTS
Agricultural Gold Loans : 70% value of the gold pledged
Purpose : liquidity in a hassle free manner Repayment : in 3 years
LIMIT
Upto Rs 3 lacs * * Rs 3 lacs- upto Rs 5 lacs Rs 5 lacs - < Rs 25 lacs
SPREAD (BASERATE + )
2.75 4.00 5.00
EFFECTIVE RATE
12.25 13.50 14.50
SME SEGMENT
Artisan Credit Card
Size of credit limit
Upto Rs 50,000 Over Rs 50,000
Interest rate
Base Rate + 2.50% Base Rate + 3.50%
MICRO FINANCE
Micro Finance SHG Movement
138 lac poor people - 85% SHGs - women SHGs - 31% market share Deep Roots in SBI A Mission
Technology
Partnerships
Biometric devices Broadband GPRS enabled mobile phone RFID cards Leverage Technology to reduce cost
Business Correspondent
India Post
NGOs (Zero Mass Foundation, Sahyog etc)
State Government
DISTRIBUTION CHANNELS
BC sitting with a biometric reader and a laptop/phone Using his Tiny Smart Card a consumer can carry out the financial transaction
Mobile Vans fitted with ATM and a kiosk Full day in one Village
DISTRIBUTION CHANNELS
Bank on Bike
BF with laptop and Data card 3 villages in a day for 2 hours each
Promotions in HINDI
THANK YOU