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<span class="j-fullscreen-title-banner fullscreen-title-banner" style="display:
none;">
Comparative analysis of sbi &other bank
</span>
<div class="stage valign-first-slide">

<div class="player-cta-container">
</div>
<a class="exit-fullscreen j-exit-fullscreen" style="display: none;">
<i class="fa fa-compress fa-2x"></i>
</a>
<div class="slide_container">
<section data-index="1" class="slide show" itemprop=image>

<img class="slide_image"
src="https://image.slidesharecdn.com/comparativeanalysisofsbiotherbank-
cb=1454603166"
data-
small="https://image.slidesharecdn.com/comparativeanalysisofsbiotherbank-
cb=1454603166"
data-
normal="https://image.slidesharecdn.com/comparativeanalysisofsbiotherbank-
cb=1454603166"
data-
full="https://image.slidesharecdn.com/comparativeanalysisofsbiotherbank-
cb=1454603166"
alt="A
Project Study Report
On
Training Undertaken at
Titled
“Comparative Analysis of SBI & HDFC Bank
Regarding Personal Loan”
..." />
</section>
<section data-index="2" class="slide" >

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="ACKNOWLEDGEMENT
The path to success is never so smooth and simple to achieve. However, our
learning‘s and motivation by ou..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="PREFACE
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which t..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="EXECUTIVE SUMMARY
Their should be comparison between two biggest bank of India namely
State Bank of India (SBI) and Housin..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="TABLE OF CONTENT
Contents:-
1. Introduction to the Industry
2. History of Banking in India
3. Introduction to the organiza..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="INTRODUCTION OF BANKING INDUSTRY
Bank
A bank is license by a government. Its primary activity is to lend money.
Many other..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Origin of the word
Silver drachm coin from Trapezus, 4th century BC
The name bank derives from the Italian word banco "des..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Definition of Banking:-
The definition of a bank varies from country to country.
Under English common law, a banker is def..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Examples of statutory definitions:
 "banking business" means the business of receiving money on current or
deposit accoun..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Commercial role:-
The commercial role of banks is not limited to banking, and includes:
 issue of banknotes ( promissory ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Economic functions:-
The economic functions of banks include:
1. Issue of money, in the form of banknotes and current acco..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Law of banking:-
Banking law is based on a contractual analysis of the relationship between
the bank (defined above) and t..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Entry regulation:-
Currently in most jurisdictions commercial banks are regulated by
government entities and require a spe..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="The requirements for the issue of a bank licence vary
between jurisdictions
but typically include:
1. Minimum capital
2. M..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="assets and capital which provides a buffer to absorb losses
without
defaulting on its obligations. However, banknotes and ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="15 . The banks must not close a customer's account
without reasonable
notice, since cheques are outstanding in the ordinar..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="History of Banking in India
The first bank in India, though conservative, was established in 1786. From 1786
till today, t..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="In 1865 Allahabad Bank was established and first time
exclusively by Indians,
Punjab National Bank Ltd. was set up in 1894..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="of the then Prime Minister of India, Mrs. Indira Gandhi.14
major commercial banks
in the country were nationalized.
Second..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Banking in the sunshine of Government ownership gave the
public implicit faith
and immense confidence about the sustainabi..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="INTRODUCTION TO THE ORGANIZATION
BANKING SYSTEM IN INDIA
The Banking System in India consists of:
1. Reserve Bank
2. Devel..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Reserve Bank of India is the bank that issues and regulates
the issue of currency
in India .The banker to the Government o..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="1955 by the passing of the State Bank of India Act, 1955. It
has seven
subsidiaries or associates.
Foreign Banks:-
These a..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="to bridge the gap in rural credit granting loans and
advances to small and marginal
farmers, artisans, small entrepreneur ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Sectors
Central Bank:-
Nationalized
Banks:-
,
Private Banks:-
INTRODUCTION OF SBI BANK
Banks
Reserve Bank of India
State B..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="HISTORY OF SBI BANK:-
The evolution of State Bank of India can be traced back to the first decade of the
19th century. It ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="State Bank of India (SBI) ( LSE: SBID) is the largest bank
in India.
The bank traces its ancestry back through the Imperia..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="State Bank of India.
28
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Associate banks:-
There are six associate banks that fall under SBI, and together these six banks
constitute the State Ban..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="100 world banks in the Fortune Global 500 rating and various
other rankings.
Group companies:-
 SBI Capital Markets Ltd ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="India. The rest were government nominees, invariably civil
servants, one of whom
was elected as the president of the board..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Presidency Banks Act:-
The presidency Banks Act, which came into operation on 1 May 1876, brought the
three presidency ban..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="country. New irrigation networks in Madras, Punjab and Sind
accelerated the
process of conversion of subsistence crops int..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Presidency Banks of Bengal:-
The presidency Banks of Bengal, Bombay and Madras with their 70 branches were
merged in 1921 ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="The establishment of the Reserve Bank simultaneously saw
important
amendments being made to the constitution of the Imperi..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Stamp of Imperial Bank of India
Subsidiaries: -
The State Bank Group includes a network of eight banking subsidiaries and
..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="16. State Bank of Patiala (SBP)
17. State Bank of Saurashtra (SBS)
18. State Bank of Travancore (SBT)
Products
Personal Ba..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt=" Corporate Banking 

 Internet Banking 

 Mobile Banking 

 International Banking 

 Safe Deposit Locker 

..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt=" Mauritious 

 Muscat 

 Nepal 

 Nigeria 

 Oman 

 Russia 

 Singapore 

 Sri Lanka 

 South Af..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="10. Dr.(Mrs.) Vasantha Bharucha 19(d)
11. Dr. Rajiv Kumar 19(d)
12. Shri Arun Ramanathan 19(e)
13.
Smt. Shyamala Gopinath
..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="SBI FINANCIAL HIGHLIGHTS:-
PAST 5 YEARS
TABLE I
STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS 2002-07
Rs. in Billion FY2002 FY..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Expenses
Operating Profit
60.44 77.76 95.53 109.91 112.99 100.00
Total Provisions
36.14 46.70 58.72 66.86 68.93 54.59
Net ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Staff Expenses
1.06 1.20 1.47 1.58 1.82 1.82
Overhead Expenses
0.42 0.47 0.64 0.72 0.81 0.90
Total Operating Expenses
1.48..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Cost of Deposits
Yield on Advances 9.66 8.97 8.17 7.68 7.78 8.67
Yield on Resources Deployed 10.06 9.53 8.62 7.94 7.10 6.8..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Reserve Bank of
India
Balances with bank
and money at call & 430.58 324.43 245.25 225.12 229.07 228.92
short notice
Invest..." />
</section>
src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Borrowings
1.91 1.96 3.07 4.39 6.87 9.13
Other Liabilities & 10.88 11.21 12.70 11.33 12.48 13.81
Provisions
Total ASSETS
7..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Market Price (Rs) 270 606 657 968 993
(as on last day of the year/quarter)
Price to Book Ratio (%)
0.83 1.58 1.44 1.84 1.6..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="48
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="49
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="50
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="SBI Personal Loans:-
51
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="SBI Personal Loans also known as State Bank of India
personal finance schemes,
aim to provide the necessary financial assi..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Personal Loan against Third Party Security of NSC/ IVP/ RBI
Relief Bonds
etc.:-
Tenure Rate of Interest
Up to 3 years 1.00..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="(FAQ) PERSONAL LOAN
Q. What are my loan limits?
A. Your personal loan limit would be determined by your income and repayme..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="are allowed to pay more than the EMI if you wish to, and we
do not charge any
prepayment penalty.
Q. What is EMI?
A. EMI s..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="- With an SBI personal loan you can choose between fixed
rates of interest
and floating interest rates.
INTRODUCTION OF HD..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="e) To grow through diversification by leveraging off the
Existing client.
HISTORY OF HDFC BANK
The Housing Development Fin..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Subsidiary and Associate Companies
The subsidiaries of HDFC consists of
1. HDFC Bank
2. HDFC Mutual Fund
3. HDFC Standard ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="HDFC BANK
The Organization:-
The Housing Development Finance Corporation Limited (HDFC) was amongst the
first to receive a..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Times Bank Amalgamation:-
In a milestone transaction in the Indian banking industry, Times Bank Limited
(another new priva..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="ORGANIZATIONAL STRUCTURE OF HDFC BANK:-
Board of Directors:-
1. Mr.Jagdish Kapoor
2. Aditya Puri
3. Ranu Kamad
4. Vineet J..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="The management consists of the Chairman Mr Jagdish kapoor
and 9 other
Directors that assist him in achieving objectives of..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="MR. Aditya Puri.
Mr. Aditya Puri holds a Bachelors degree in Commerce from Punjab University
and is an associate member of..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Mr. Jain is Managing Director of Bennett, Coleman & Co.
Limited and Director in
Times Infotainment Media Limited, Entertai..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Mr. Arvind Pande
He was a Joint Secretary to the Prime Minister of India for Economics, Science
and Technology issues. Mr...." />
</section>
src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Private Limited, Serendib Investments Private Limited and
Ascent Hotels Private
Limited.
Dr. Pandit Palande
Dr. Palande ha..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt=""Savings Deposits" means a form of Demand Deposit
which is subject to
restrictions as to the number of withdrawals as also..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="These are more commonly known as Salary Accounts. These are
account in
HDFC bank with zero balance. These are given to sal..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="11.Demat Account:
One can conduct hassle-free transactions on the stock market for one‘s shares.
The shares held by the cu..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="2009
Asian Banker 'Asian Banker Best Retail Bank in India Award 2009 '
Excellence in
Retail Financial
Services
2008
70
" />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Finance Asia ' Best Bank and Best Cash Management
Bank'
Country Awards
for Achievement
2008
CNN-IBN 'Indian of the Year (B..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Dun & Bradstreet 'Corporate Best Bank' Award
– American
Express
Corporate Best
Bank Award 2007
The Bombay 'Best Corporate ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Credit Rating:-
HDFC Bank has its deposit programmes rated by two rating agencies - Credit
Analysis & Research Limited. (C..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Personal Loan Policies
Personal Loan Features & Benefits:-
1. Borrow up to Rs 15,00,000 for any purpose depending on your ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Eligibility Criteria:-
Minimum age of Applicant: 21 years
Maximum age of Applicant at loan maturity: 60 years
Minimum empl..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Fees & Charges for Personal Loan
Description of Charges Personal Loan
Loan Processing Charges Upto 2% of the loan amount
P..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="FAQs:-
1. If you have any queries that are not answered here, please call us or
Write to us.
2. What are the benefits of h..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="METHODOLOGY OF THE STUDY
Research Methodology
Research as a mean of getting knowledge can be carried out either arbitraril..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Title of the study:-
“Comparative Analysis of SBI & HDFC Bank Regarding Personal Loan”
Duration of the Study:-
30 day from..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Types of research:-
Descriptive research
Primary data collection
Through Questionnaire are filled by respondents.
Secondar..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Limitations of the study
.
4. The study was limited only Jaipur city Hence findings may be differ from other
part
of count..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="1. 45% customers are prefer the SBI Bank when taking
personal loan and only 30%
customers
prefer HDFC Bank.
2. Family memb..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="SBI HDFC
a) Businessman 12 20
b) Self employed 20 20
Working
c) professional 28 35
Govt.service
d) employee 40 25
45
40
35..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="c) OTHERS 25
O T H E
H D F2 5 %
3 0 %
H D F C
S B I
O T H E
S B
4 5
Interpretation:-
Maximum number of customers prefer SB..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Other
d)
10%
Fam ily m em
b c)
35%
A dvertis em e
a)
30% a) Advertisemen
b) Friend
c) Fam ily m em b
d) Others
Friend
b)
2..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="d) Others 2
Others
d)
2%
Duration
c)
8%
Scheme a) Interest rate
b)
b) Scheme
20%
c) Duration
Interest rate
d) Others
a)
70..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="2 yer
a)
m ore than 12%
yers
a) 2 yersd)
36% 3 y er b) 3 yers
b)
c ) 4 yers
28%
d) m ore than 5 y
4 yer
c)
24%
Interpretat..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="b) NO 28
NO
b)
28%
a) YES
b) NO
YES
a)
72%
Interpretation:-
As per the my study when any customers planning for taking
per..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="b e lo w a ve r
d )
0 %
g o o
a ) 4
4 %
a ) g o o d
b ) ve ry g o o
d
c ) a ve ra g
e
d ) b e lo w a ve
ve ry g
o b )
3 0 ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Interpretation:-
According to my study 75% customers are agree that HDFC
bank is very good & good because of good services..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="average below averag
c) d)
10% 0%
a) good
good
b) very good
a)
very good c) average50%
b) d) below averag
40%
Interpretati..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="a) HDFC 35
b) SBI 65
HDFC
a)
35%
a) HDFC
b) SBI
SBI
b)
65%
Interpretation:-
65% of customers prefer the SBI bank and 35 % ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="Q.10 Comment on bank formalities regarding to personal loan.
Interpretation:-
Maximum numbers of customers give the commen..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="SWOT ANALYSIS
Strengths:-
Brand Name:-
SBI Bank has earned a reputation in the market over the period of
time(Being the ol..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="1. The existing hierarchical management structure of the
bank,
although strength in some respects, is a barrier to change...." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="1. Advent of MNC banks: Large numbers of MNC banks are
mushrooming in
the Indian market due to the friendly policies adopt..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="STRENGTH WEAKNESSES
 BRAND NAME  LESS MODERNISATION
 MARKET LEADER  HIGHER NPA
 GOVERNMENT OWNED.  CUSTOMER HAVE NOT..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="STRENGTH WEAKNESSES
 SEGMENTATION  TIMING SHORT
 PRODUCT FEATURES  MAINTENANCE CHARGES HIGH
 WORK ENVIRONMENT  HIGH ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="preferred because it‘s a government bank. Procedure of loan
financing is easy
in HDFC Bank. Family members & increasing st..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="____________________________________________________________________
____
Age: - __________________ contact no: - ________..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt="(6).Do you fully consider the policies of the bank regarding
personal loan ?when
taking loan.
(a) Yes (b) no
(7).Rate the ..." />
</section>

src=""
data-
cb=1454603166"
data-
cb=1454603166"
data-
cb=1454603166"
alt=" Business world 

 Business today 
NEWSPAPER
 Economic times 

 Times of India 

 The Hindu 
WEBSITES
 www.h..." />
</section>
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This project report has been prepared as per the requirement of
the syllabus of
<br />MBA course structure under which the students are the required to
undertake
<br />project.
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<br />It was a first hand experience for us as that we were exposed to the
professional
<br />set-up and were facing the market, which was really a great experience.
<br />
<br />During project period, I had very touching experiences. When business is
involved,
<br />experiences counts a lot, as we know, experience are an instrument, which
leads
<br />towards success.
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<li>
1.
A
Project Study Report
On
Training Undertaken at
Titled
“Comparative Analysis of SBI & HDFC Bank
Regarding Personal Loan”
Submitted in partial fulfillment for the Award of degree
Of
Master of Business Administration
2013-2015
Sikkim Manipal University
Submitted by: Submitted To:
Ifra Subhani Shakti Prasad Tiwari
</li>
<li>
<a href="https://image.slidesharecdn.com/comparativeanalysisofsbiotherbank-
cb=1454603166" title="ACKNOWLEDGEMENT
The path to success is never so smooth and ..." target="_blank">
2.
</a>
ACKNOWLEDGEMENT
The path to success is never so smooth and simple to achieve. However, our
learning‘s and motivation by our close ones and our mentors helps us to reach
beyond our potential. My Project would remain partial without acknowledging
people who encouraged me to achieve a milestone.
I express my sincere gratitude to Mr. SHAKTI PRASAD TIWARI for giving me an
opportunity to discover more knowledge through practical learning by organizing
immensely knowledgeable Project for the students of MBA 2
nd
year.
I privileged to pay my sincere gratitude towards Mr. S.K.Singh for providing their
valuable guidance and encouragement throughout the Project for keeping my
morale up and making it possible to complete and submit this report in time. I am
equally grateful to all my other teachers for their complete support.
It would be unfair on my part if I do not thank my colleges for their continuous
help
without which this work could never have been accomplished. They made me
realize the importance of teamwork and also the leadership skills. I am grateful to
all of them standing with me and supporting me in this project.
3
</li>
<li>
cb=1454603166" title="PREFACE
This project report has been prepared as per the re..." target="_blank">
3.
</a>
PREFACE
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
Now I take this opportunity to present the project report and sincerely hope that
it
will be as much knowledge enhancing to the readers as it was to use during the
fieldwork and the compilation of the report.
4
</li>
<li>
cb=1454603166" title="EXECUTIVE SUMMARY
Their should be comparison between two bi..." target="_blank">
4.
</a>
EXECUTIVE SUMMARY
Their should be comparison between two biggest bank of India namely
State Bank of India (SBI) and Housing Development Financial Corporation
(HDFC) on Personal loan provided by them.
Today Personal loan is necessity for fulfill the requirement of family and
provide good life. Everyone wants a life in which all facilities are present
which are so costly so they move towards to various banks both public as
well as private bank for loan.
SBI banks is basically prefer by most of the people who are in government
jobs/public sectors because of :-
1. Tax rebate
2. Lack of much funds
3. Interest rate
HDFC Bank also choice of people because of:-
1. Easiness and Low documentation
2. Services
3. Cooperative and Relationship
In this project study peoples are satisfied by both the banks but also wants
more things like Updating of services, technological enhancement and
ethics. If all the banks focus on these things they get better growth in
Personal loan as well as better response of people as today Personal loan
is required for fulfill the requirement of life.
5
</li>
<li>
cb=1454603166" title="TABLE OF CONTENT
Contents:-
1. Introduction to the Industry..." target="_blank">
5.
</a>
TABLE OF CONTENT
Contents:-
1. Introduction to the Industry
2. History of Banking in India
3. Introduction to the organization
4. Research Methodology
 Title of the Study 

 Duration of the Project 

 Objective of the study 

 Type of the Research 

 Sample Size and Method of selecting Samples 

 Scope of the Study 

 Limitation of the Study 

5. Facts and Findings
6. Analysis and Interpretation
7. SWOT
8. Conclusion
9. Appendix
10. Bibliography
6
</li>
<li>
cb=1454603166" title="INTRODUCTION OF BANKING INDUSTRY
Bank
A bank is license by ..." target="_blank">
6.
</a>
INTRODUCTION OF BANKING INDUSTRY
Bank
A bank is license by a government. Its primary activity is to lend money.
Many other financial activities were allowed over time. For example banks
are important players in financial markets and offer financial services such
as investment funds In some countries such as Germany, banks have
historically owned major stakes in industrial corporations while in other
countries such as the United States banks are prohibited from owning non-
financial companies. In Japan, banks are usually the nexus of a cross-
share holding entity known as the zaibatsu. In France, banc assurance is
prevalent, as most banks offer insurance services (and now real estate
services) to their clients.
The level of government HYPERLINK
"http://en.wikipedia.org/wiki/Regulation" regulation of the banking
industry
varies widely, with counties such as Iceland, the United Kingdom and the
United States having relatively light regulation of the banking sector, and
countries such as China having relatively heavier regulation (including
stricter regulations regarding the level of reserves).
History
Banks have influenced economies and politics for centuries. Historically, the
primary purpose of a bank was to provide loans to trading companies.
Banks provided funds to allow businesses to purchase inventory, and
collected those funds back with interest when the goods were sold. For
centuries, the banking industry only dealt with businesses, not consumers.
Banking services have expanded to include services directed at individuals,
and risk in these much smaller transactions are pooled..
7
</li>
<li>
cb=1454603166" title="Origin of the word
Silver drachm coin from Trapezus, 4th ce..." target="_blank">
7.
</a>
Origin of the word
Silver drachm coin from Trapezus, 4th century BC
The name bank derives from the Italian word banco "desk/bench", used
during the Renaissance by Florentine bankers, who used to make their
transactions above a desk covered by a green tablecloth. However, there
are traces of banking activity even in ancient times.
ABOUT BANKING:-
Section 5(b) of the Banking Regulation Act, 1949
defines banking as ‗the accepting, for the purpose of lending or
investment, of deposits of money from the public, repayable on demand or
otherwise, and withdrawal by cheque, draft, order or otherwise.‖
Section 5(c) of the Banking Regulation Act, 1949 defines a banking company‘ as
―any company which transacts the business of banking in India‖.
8
</li>
<li>
cb=1454603166" title="Definition of Banking:-
The definition of a bank varies fro..." target="_blank">
8.
</a>
Definition of Banking:-
The definition of a bank varies from country to country.
Under English common law, a banker is defined as a person who carries
on the business of banking, which is specified as:
 Conducting current accounts for his customers 

 Paying cheques drawn on him, and 

 Collecting cheques for his customers. 
The borrowing, raising or taking up of money, the lending or advancing of money
either with or without security;
Acting as agents for any government or local authority or any other person or
persons.
Contracting for public and private loans and negotiating and issuing the same.
The effecting, insuring, guaranteeing, underwriting, participating in managing and
carrying out of any issue, public or private, of state, municipal or other loans or
of
shares, stock, debentures or debenture stock of any company, corporation or
association and the lending of money for the purpose of any such issue.
9
</li>
<li>
cb=1454603166" title="Examples of statutory definitions:
 "banking business" mea..." target="_blank">
9.
</a>
Examples of statutory definitions:
 "banking business" means the business of receiving money on current or
deposit account, paying and collecting cheques drawn by or paid in by
customers, the making of advances to customers, and includes such other
business as the Authority may prescribe for the purposes of this Act;
(Banking Act (Singapore), Section 2, Interpretation). 

 "banking business" means the business of either or both of the
following: 
1. Receiving from the general public money on current, deposit, savings or
other similar account repayable on demand or within less than [3 months] ...
or with a period of call or notice of less than that period;
2. Paying or collecting cheques drawn by or paid in by customers
3. Since the advent of EFTPOS (Electronic Funds Transfer at Point Of
Sale), direct credit, direct debit and internet banking, the cheque has lost its
primacy in most banking systems as a payment instrument. This has led
legal theorists to suggest that the cheque based definition should be
broadened to include financial institutions that conduct current accounts for
customers and enable customers to pay and be paid by third parties, even if
they do not pay and collect cheques
10
</li>
<li>
cb=1454603166" title="Commercial role:-
The commercial role of banks is not limit..." target="_blank">
10.
</a>
Commercial role:-
The commercial role of banks is not limited to banking, and includes:
 issue of banknotes ( promissory notes issued by a banker and payable
to bearer on demand) 
 processing of payments by way of telegraphic transfer, EFTPOS,
internet banking or other means 
 issuing bank drafts and bank cheques 

 accepting money on term deposit 

 lending money by way of overdraft, installment loan or otherwise 

 providing documentary and standby letters of credit ( trade finance),
guarantees, performance bonds, securities underwriting commitments and
other forms of off-balance sheet exposures 
 safekeeping of documents and other items in safe deposit boxes 

 currency exchange 

 acting as a 'financial supermarket' for the sale, distribution or
brokerage,
with or without advice, of insurance, unit trusts and similar financial products 
11
</li>
<li>
cb=1454603166" title="Economic functions:-
The economic functions of banks includ..." target="_blank">
11.
</a>
Economic functions:-
The economic functions of banks include:
1. Issue of money, in the form of banknotes and current accounts subject
to cheque or payment at the customer's order. These claims on banks can
act as money because they are negotiable and/or repayable on demand,
and hence valued at par. They are effectively transferable by mere delivery,
in the case of banknotes, or by drawing a cheque that the payee may bank
or cash.
2. Netting and settlement of payments – banks act as both collection and
paying agents for customers, participating in interbank clearing and
settlement systems to collect, present, be presented with, and pay payment
instruments. This enables banks to economise on reserves held for
settlement of payments, since inward and outward payments offset each
other. It also enables the offsetting of payment flows between geographical
areas, reducing the cost of settlement between them.
3. Credit intermediation – banks borrow and lend back-to-back on their
own account as middle men
4. Credit quality improvement – banks lend money to ordinary commercial
and personal borrowers (ordinary credit quality), but are high quality
borrowers. The improvement comes from diversification of the bank's assets
and capital which provides a buffer to absorb losses without defaulting on its
obligations.
5. Maturity transformation – banks borrow more on demand debt and
short term debt, but provide more long term loans. In other words, they
borrow short and lend long. With a stronger credit quality than most other
borrowers, banks can do this by aggregating issues (e.g. accepting deposits
and issuing banknotes) and redemptions (e.g. withdrawals ).
12
</li>
<li>
cb=1454603166" title="Law of banking:-
Banking law is based on a contractual anal..." target="_blank">
12.
</a>
Law of banking:-
the bank (defined above) and the customer—defined as any entity for which
the bank agrees to conduct an account.
The law implies rights and obligations into this relationship as follows:
1. The bank account balance is the financial position between the bank and
the customer: when the account is in credit, the bank owes the balance to
the customer; when the account is overdrawn, the customer owes the
balance to the bank.
2. The bank agrees to pay the customer's cheques up to the amount
standing to the credit of the customer's account, plus any agreed overdraft
limit.
3. The bank may not pay from the customer's account without a mandate
from the customer, e.g. a cheque drawn by the customer.
4. The bank agrees to promptly collect the cheques deposited to the
customer's account as the customer's agent, and to credit the proceeds to
the customer's account.
5. The bank has a right to combine the customer's accounts, since each
account is just an aspect of the same credit relationship.
6. The bank has a lien on cheques deposited to the customer's account, to
the extent that the customer is indebted to the bank.
7. The bank must not disclose details of transactions through the customer's
account—unless the customer consents, there is a public duty to disclose,
the bank's interests require it, or the law demands it.
13
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Currently in most jurisdictions commerci..." target="_blank">
13.
</a>
Entry regulation:-
government entities and require a special bank licence to operate.
Usually the definition of the business of banking for the purposes of
regulation is extended to include acceptance of deposits, even if they are
not repayable to the customer's order—although money lending, by itself, is
generally not included in the definition.
Unlike most other regulated industries, the regulator is typically also a
participant in the market, i.e. a government-owned (central) bank. Central
banks also typically have a monopoly on the business of issuing
banknotes. However, in some countries this is not the case. In the UK, for
example, the Financial Services Authority licenses banks, and some
commercial banks (such as the Bank of Scotland) issue their own
banknotes in addition to those issued by the Bank of England, the UK
government's central bank.
Some types of financial institution, such as building societies and credit
unions, may be partly or wholly exempt from bank licence requirements,
and therefore regulated under separate rules.
14
</li>
<li>
cb=1454603166" title="The requirements for the issue of a bank licence vary
betwe..." target="_blank">
14.
</a>
The requirements for the issue of a bank licence vary between jurisdictions
but typically include:
1. Minimum capital
2. Minimum capital ratio
'Fit and Proper' requirements for the bank's controllers, owners,
directors,
and/or senior officersThe requirements for the issue of a bank licence vary
between jurisdictions but typically include:
3. 'Fit and Proper' requirements for the bank's controllers,
owners, directors, and/or senior officers
4. Approval of the bank's
5. Business plan as being sufficiently
prudent. The economic functions of banks include:
6. Issue of money, in the form of banknotes and current accounts
subject to cheque or payment at the customer's order. These claims on
banks can act as money because they are negotiable and/or repayable on
demand, and hence valued at par. They are effectively transferable by mere
delivery, in the case of banknotes, or by drawing a cheque that the payee
may bank or cash.
7. Netting and settlement of payments – banks act as both collection
and paying agents for customers, participating in interbank clearing and
settlement systems to collect, present, be presented with, and pay payment
instruments. This enables banks to economise on reserves held for
settlement of payments, since inward and outward payments offset each
other. It also enables the offsetting of payment flows between geographical
areas, reducing the cost of settlement between them.
8. Credit intermediation – banks borrow and lend back-to-back on their
own account as middle men
9. Credit quality improvement – banks lend money to ordinary
commercial and personal borrowers (ordinary credit quality), but are high
quality borrowers. The improvement comes from diversification of the bank's
15
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<li>
cb=1454603166" title="assets and capital which provides a buffer to absorb
losses..." target="_blank">
15.
</a>
assets and capital which provides a buffer to absorb losses without
defaulting on its obligations. However, banknotes and deposits are generally
unsecured; if the bank gets into difficulty and pledges assets as security, to
raise the funding it needs to continue to operate, this puts the note holders
and depositors in an economically subordinated position.
10. Maturity transformation :-Banks borrow more on demand debt and
short term debt, but provide more long term loans. In other words, they
borrow short and lend long. With a stronger credit quality than most other
borrowers, banks can do this by aggregating issues (e.g. accepting deposits
and issuing banknotes) and redemptions (e.g. withdrawals and redemptions
of banknotes), maintaining reserves of cash, investing in marketable
securities that can be readily converted to cash if needed, and raising
replacement funding as needed from various sources (e.g. wholesale cash
markets and securities markets).
the bank (defined above) and the Customer:- defined as any entity for
which the bank agrees to conduct an account.
The law implies rights and obligations into this relationship as follows:
11.. The bank agrees to promptly collect the cheques deposited to the
customer's account as the customer's agent, and to credit the proceeds to
the customer's account.
12 . The banks have a right to combine the customer's accounts, since each
account is just an aspect of the same credit relationship.
13. The bank has a lien on cheques deposited to the customer's
account, to the extent that the customer is indebted to the bank.
14. The bank must not disclose details of transactions through the
customer's account—unless the customer consents, there is a public duty to
disclose, the bank's interests require it, or the law demands it.
16
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<li>
cb=1454603166" title="15 . The banks must not close a customer's account
without ..." target="_blank">
16.
</a>
15 . The banks must not close a customer's account without reasonable
notice, since cheques are outstanding in the ordinary course of business for
several days.
These implied contractual terms may be modified by express agreement
between the customer and the bank. The statutes and regulations in force
within a particular jurisdiction may also modify the above terms and/or
create new rights, obligations or limitations relevant to the bank-customer
relationship.
government entities and require a special bank licence to operate.
Usually the definition of the business of banking for the purposes of
regulation is extended to include acceptance of deposits, even if they are
not repayable to the customer's order—although money lending, by itself, is
generally not included in the definition.
Unlike most other regulated industries, the regulator is typically also a
participant in the market, i.e. a government-owned (central) bank. Central
banks also typically have a monopoly on the business of issuing banknotes.
However, in some countries this is not the case. In the UK, for example, the
Financial Services Authority licences banks, and some commercial banks
(such as the Bank of Scotland) issue their own banknotes in addition to
those issued by the Bank of England, the UK government's central bank.
Some types of financial institution, such as building societies and credit
unions, may be partly or wholly exempt from bank licence requirements, and
therefore regulated under separate rules.
17
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<li>
cb=1454603166" title="History of Banking in India
The first bank in India, though..." target="_blank">
17.
</a>
History of Banking in India
The first bank in India, though conservative, was established in 1786. From 1786
till today, the journey of Indian Banking System can be segregated into three
distinct phases. They are as mentioned below:-
Early phase from 1786 to 1969 of Indian Banks
Nationalization of Indian Banks and up to 1991 prior to Indian banking sector
Reforms.
New phase of Indian Banking System with the advent of Indian Financial &
Banking Sector Reforms after 1991.
To make this write-up more explanatory, I prefix the scenario as Phase  , Phase
 and Phase .
Phase 
The General Bank of India was set up in the year 1786. Next came Bank of
Hindustan and Bengal Bank. The East India Company established Bank of Bengal
(1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units
and called it Presidency Banks. These three banks were amalgamated in 1920 and
Imperial Bank of India was established which started as private shareholders
banks, mostly Europeans shareholders.
18
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<li>
cb=1454603166" title="In 1865 Allahabad Bank was established and first time
exclu..." target="_blank">
18.
</a>
In 1865 Allahabad Bank was established and first time exclusively by Indians,
Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore.
Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda,
Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of
India came in 1935.
During the first phase the growth was very slow and banks also experienced
periodic failures between 1913 and 1948. There were approximately 1100 banks,
mostly small. To streamline the functioning and activities of commercial banks, the
Government of India came up with The Banking Companies Act, 1949 which was
later changed to Banking Regulation Act 1949 as per amending Act of 1965 (Act
No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the
supervision of banking in India as the Central Banking Authority.
Phase 
Government took major steps in this Indian Banking Sector Reform after
independence. In 1955, it nationalized Imperial Bank of India with extensive
banking facilities on a large
scale especially in rural and semi-urban areas. It formed State Bank of India to
act
as the principal agent of RBI and to handle banking transactions of the Union and
State Governments all over the country.
Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on
19th July, 1969, major process of nationalization was carried out. It was the
effort
19
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<li>
cb=1454603166" title="of the then Prime Minister of India, Mrs. Indira
Gandhi.14 ..." target="_blank">
19.
</a>
of the then Prime Minister of India, Mrs. Indira Gandhi.14 major commercial
banks
in the country were nationalized.
Second phase of nationalization Indian Banking Sector Reform was carried out in
1980 with seven more banks. This step brought 80% of the banking segment in
India under Government ownership.
The following are the steps taken by the Government of India to Regulate Banking
Institutions in the Country:-
1949: Enactment of Banking Regulation Act.
1955: Nationalization of State Bank of India.
1959: Nationalization of SBI subsidiaries.
1961: Insurance cover extended to deposits.
1969: Nationalization of 14 major banks. 1971:
Creation of credit guarantee corporation. 1975:
Creation of regional rural banks.
1980: Nationalization of seven banks with deposits over 200 crore.
After the nationalization of banks, the branches of the public sector bank India
raised to approximately 800% in deposits and advances took a huge jump by
11,000%.
20
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<li>
cb=1454603166" title="Banking in the sunshine of Government ownership gave the
pu..." target="_blank">
20.
</a>
Banking in the sunshine of Government ownership gave the public implicit faith
and immense confidence about the sustainability of these institutions.
Phase 
This phase has introduced many more products and facilities in the banking sector
in its reforms measure. In 1991, under the chairmanship of M
Narasimham, a committee was set up by his name which worked for the
liberalization of banking practices.
The country is flooded with foreign banks and their ATM stations. Efforts are being
put to give a satisfactory service to customers. Phone banking and net banking is
introduced. The entire system became more convenient and swift. Time is given
more importance than money.
The financial system of India has shown a great deal of resilience. It is sheltered
from any crisis triggered by any external macroeconomics shock as other East
Asian Countries suffered. This is all due to a flexible exchange rate regime, the
foreign reserves are high, the capital account is not yet fully convertible, and
banks
and their customers have limited foreign exchange exposure.
21
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Th..." target="_blank">
21.
</a>
INTRODUCTION TO THE ORGANIZATION
The Banking System in India consists of:
1. Reserve Bank
2. Development Banks
3. Public Sector Bank.
4. Foreign Banks
5. Private Sector Banks
6. Cooperative Banks
7. Regional Rural Banks
The Reserve Bank of India:-
The Reserve Bank of India is the Central Bank of the Country and came into being
by the Reserve Bank of India Act 1934. It was nationalized in 1948.
22
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<li>
cb=1454603166" title="Reserve Bank of India is the bank that issues and
regulates..." target="_blank">
22.
</a>
Reserve Bank of India is the bank that issues and regulates the issue of
currency
in India .The banker to the Government of India and the State governments. It
manages the public debt. It has the obligation to transact the banking business of
the Central Government. It undertakes to accept money on behalf of the
Government and make payment on its behalf. The banker‘s bank. Commercial
banks maintain their current account with the Reserve Bank of India.
The bank that manages the volume of credit created by the commercial banks to
ensure price stability.
The bank that manages the external value of the currency (Indian rupee).
Development Banks:-
These were set up to give long term finance for the development of the country.
These are the Industrial Finance Corporation of India and the Industrial
Development Bank of India, The Industrial Reconstruction Bank of India and the
National Bank for Agriculture and Rural Development. A former development bank,
the Industrial Credit and Investment Corporation of India Ltd. by a reverse merger
in 2002,became a normal commercial bank.It is expected that the other
development banks, having outlived their utility would also be either converted to
commercial banks or merged with commercial banks.
Public Sector Banks:-
These are banks which the Government either owns or has a majority stake in it.
The largest is the State Bank of India which was formed by the merger of the
Presidency Banks – the Bank of Bengal, the Bank of Bombay and the Bank of
Madras in 1921. It was then known as the Imperial Bank. It was nationalized in
23
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<li>
cb=1454603166" title="1955 by the passing of the State Bank of India Act, 1955.
I..." target="_blank">
23.
</a>
1955 by the passing of the State Bank of India Act, 1955. It has seven
subsidiaries or associates.
Foreign Banks:-
These are branches of banks incorporated outside India. In 1995/ 96
many other foreign banks (optimistic in view of India‘s liberalization) opened
branches in India. However, after banking began to become increasingly
competitive and margins began to be squeezed coupled with large non performing
assets, many banks closed their branches
Private Sector Banks:-
These are banks which are not government owned or controlled. Their shares are
freely traded in the Stock Markets.
Cooperative Banks:-
Cooperative Banks are those that are created by a group of individual to support
either a community or a religious group. They operate in metropolitan, urban and
semi urban centers to cater to the needs of small borrowers.
Regional Rural Banks:-
These came into being on October 2, 1975 when 5 regional rural banks were
established under what became the Regional Rural Banks Act 1975. These were
24
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<li>
cb=1454603166" title="to bridge the gap in rural credit granting loans and
advanc..." target="_blank">
24.
</a>
to bridge the gap in rural credit granting loans and advances to small and
marginal
farmers, artisans, small entrepreneur and persons of small means engaged in
trade, commerce, industry or other productive ,activities within their area of
operation.
Local Area Banks:-
Local Area Banks came into existence in 1999 and licenses were given for these
banks as it was felt that regular commercial banks were not financial the rural/
agricultural sector adequately. Licenses were given to open branches in three
districts. Branches in urban/ semi urban areas were granted only after ten
branches were established in rural areas/ villages.
25
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<li>
cb=1454603166" title="Sectors
Central Bank:-
Nationalized
Banks:-
,
Private Banks..." target="_blank">
25.
</a>
Sectors
Central Bank:-
Nationalized
Banks:-
,
Private Banks:-
INTRODUCTION OF SBI BANK
Banks
State Bank of India , Allahabad Bank , Andhra Bank , Bank of
Baroda , Bank of India , Bank of Maharashtra , Canara Bank ,
Central Bank of India , Corporation Bank , Dena Bank , Indian
Bank , Indian Overseas Bank , Oriental Bank of Commerce ,
Punjab & Sind Bank , Punjab National Bank , Syndicate Bank ,
IDBI Bank, Union Bank of India , United Bank of India , UCO
Bank , Vijaya Bank.
Axis Bank , Bank of Rajasthan · Bharat Overseas Bank ·
Catholic Syrian Bank · Centurion Bank of Punjab ·City Union
Bank .Development Credit Bank · Dhanalakshmi Bank ·Federal
Bank · Ganesh Bank of Kurundwad · HDFC Bank ·ICICI Bank ·
IndusInd Bank · ING Vysya Bank ·Jammu & Kashmir Bank
·Karnataka Bank Limited · Karur Vysya Bank ·Kotak Mahindra
Bank · Lakshmi Vilas Bank · Nainital Bank · Ratnakar Bank ·
SBI Commercial and International Bank · South Indian Bank ·
Tamilnad Mercantile Bank Ltd. .
Foreign Citibank · HSBC · Standard Chartered
Banks:-
Regional South Malabar Gramin Bank
Rural Banks:-
Coo
The Andaman and Nicobar State Co-operative Bank Ltd. The
perati
Arunachal Pradesh State co-operative Apex Bank Ltd. The
ve
Assam Co-operative Apex Bank Ltd The Bihar State Co-Banks
:-
operative Bank Ltd. The Chandigarh State Co-operative Bank
Ltd.
26
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<li>
cb=1454603166" title="HISTORY OF SBI BANK:-
The evolution of State Bank of India ..." target="_blank">
26.
</a>
HISTORY OF SBI BANK:-
The evolution of State Bank of India can be traced back to the first decade of the
19th century. It began with the establishment of the Bank of Calcutta in Calcutta,
on 2 June 1806. The bank was redesigned as the Bank of Bengal, three years
later, on 2 January 1809. It was the first ever joint-stock bank of the British
India,
established under the sponsorship of the Government of Bengal. Subsequently,
the Bank of Bombay (established on 15 April 1840) and the Bank of Madras
(established on 1 July 1843) followed the Bank of Bengal.
An important turning point in the history of State Bank of India is the launch of
the
first Five Year Plan of independent India, in 1951. The Plan aimed at serving the
Indian economy in general and the rural sector of the country, in particular. Until
the Plan, the commercial banks of the country, including the Imperial Bank of
India,
confined their services to the urban sector. Moreover, they were not equipped to
respond to the growing needs of the economic revival taking shape in the rural
areas of the country. Therefore, in order to serve the economy as a whole and
rural sector in particular.
The All India Rural Credit Survey Committee proposed the take over of the
Imperial Bank of India, and integrating with it, the former state-owned or state-
associate banks. Subsequently, an Act was passed in the Parliament of India in
May 1955. As a result, the State Bank of India (SBI) was established on 1 July
1955. This resulted in making the State Bank of India more powerful, because as
much as a quarter of the resources of the Indian banking system were controlled
directly by the State. Later on, the State Bank of India (Subsidiary Banks) Act was
passed in 1959.
The State Bank of India emerged as a pacesetter, with its operations carried out by
the 480 offices comprising branches, sub offices and three Local Head Offices,
inherited from the Imperial Bank. Instead of serving as mere repositories of the
community's savings and lending to creditworthy parties, the State Bank of
India
catered to the needs of the customers, by banking purposefully.
27
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<li>
cb=1454603166" title="State Bank of India (SBI) ( LSE: SBID) is the largest
bank ..." target="_blank">
27.
</a>
State Bank of India (SBI) ( LSE: SBID) is the largest bank in India.
The bank traces its ancestry back through the Imperial Bank of India to the
founding in 1806 of the Bank of Calcutta, making it the oldest commercial bank in
the Indian Subcontinent. The Government of India nationalised the Imperial Bank
of India in 1955, with the Reserve Bank of India taking a 60% stake, and renamed
it the State Bank of India. In 2008, the Government took over the stake held by the
Reserve Bank of India.
SBI provides a range of banking products through its vast network in India and
overseas, including products aimed at NRIs. With an asset base of $126 billion
and its reach, it is a regional banking behemoth. SBI has laid emphasis on
reducing the huge manpower through Golden handshake schemes, which led to a
flight of its best and brightest managers which took to retirement allowances and
then went on the become senior managers at new private sector banks, and
computerizing its operations.
The roots of the State Bank of India rest in the first decade of 19th century, when
the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2
June HYPERLINK "http://en.wikipedia.org/wiki/1806" 1806. The Bank of
Bengal
and two other Presidency banks, namely, the Bank of Bombay (incorporated on
15 April HYPERLINK "http://en.wikipedia.org/wiki/1840" 1840) and the Bank
of
Madras (incorporated on 1 July HYPERLINK
"http://en.wikipedia.org/wiki/1843"
1843).. These three banks received the exclusive right to issue paper currency in
1861 with the Paper Currency Act, a right they retained until the formation of the
Reserve Bank of India. The Presidency banks amalgamated on 27 January
HYPERLINK "http://en.wikipedia.org/wiki/1921" 1921, and the reorganized
banking entity took as its name Imperial Bank of India. The Imperial Bank of India
continued to remain a joint stock company.
Pursuant to the provisions of the State Bank of India Act (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 HYPERLINK "http://en.wikipedia.org/wiki/1955"
1955
the Imperial Bank of India became the State Bank of India.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 Sept
13, 2008, State Bank of Saurashtra, one of its Associate Banks, merged with
</li>
<li>
cb=1454603166" title="State Bank of India.
28
" target="_blank">
28.
</a>
State Bank of India.
28
</li>
<li>
cb=1454603166" title="Associate banks:-
There are six associate banks that fall u..." target="_blank">
29.
</a>
Associate banks:-
There are six associate banks that fall under SBI, and together these six banks
constitute the State Bank Group. All use the same logo of a blue keyhole and all
the associates use the "State Bank of" name followed by the regional
headquarters' name. Originally, the then seven banks that became the associate
banks belonged to princely states until the government nationalized them in 1959.
In tune with the first Five Year Plan, emphasizing the development of rural India,
the government integrated these banks into State Bank of India to expand its rural
outreach. There has been a proposal to merge all the associate banks into SBI to
create a "mega bank" and streamline operations. The first step along
these lines
occurred in September 2008 when State Bank of Saurashtra merged with State
Bank of India, which reduced the number of state banks from seven to six.
 State Bank of Indore 

 State Bank of Bikaner & Jaipur 

 State Bank of Hyderabad 

 State Bank of Mysore 

 State Bank of Patiala 

 State Bank of Travancore 





Growth:- 


State Bank of India has often acted as guarantor to the Indian Government, most
notably during Chandra Shekhar's tenure as Prime Minister of India. With more
than
11,111 branches and a further 6500+ associate bank branches, the SBI has extensive
coverage. State Bank of India has electronically networked all of its branches
under
Core Banking System(CBS). The bank has one of the largest ATM networks in the
region. More than 8500 ATMs across India. The State Bank of India has had steady
growth over its history, though it was marred by the Harshad Mehta scam in 1992. In
recent years, the bank has sought to expand its overseas operations by buying
foreign
banks. It is the only Indian bank to feature in the top 
29
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<li>
cb=1454603166" title="100 world banks in the Fortune Global 500 rating and
variou..." target="_blank">
30.
</a>
100 world banks in the Fortune Global 500 rating and various other rankings.
Group companies:-
 SBI Capital Markets Ltd 

 SBI Mutual Fund (A Trust) 

 SBI Factors and Commercial Services Ltd 

 SBI DFHI Ltd 

 SBI Cards and Payment Services Pvt Ltd 

 SBI Life Insurance Co. Ltd - Bancassurance (Life Insurance) 

 SBI Funds Management Pvt Ltd 

 SBI Canada 
Establishment:-
The establishment of the Bank of Bengal marked the advent of limited liability,
joint-stock banking in India. So was the associated innovation in banking, viz. the
decision to allow the Bank of Bengal to issue notes, which would be accepted for
payment of public revenues within a restricted geographical area. This right of
note
issue was very valuable not only for the Bank of Bengal but also its two siblings,
the Banks of Bombay and Madras. It meant an accretion to the capital of the
banks, a capital on which the proprietors did not have to pay any interest.
The concept of deposit banking was also an innovation because the
practice of accepting money for safekeeping (and in some cases, even investment
on behalf of the clients) by the indigenous bankers had not spread as a general
habit in most parts of India. But, for a long time, and especially upto the time
that
the three presidency banks had a right of note issue, bank notes and government
balances made up the bulk of the investible resources of the banks.
The three banks were governed by royal charters, which were revised from time to
time. Each charter provided for a share capital, four-fifth of which were privately
subscribed and the rest owned by the provincial government. The members of the
board of directors, which managed the affairs of each bank, were mostly
proprietary directors representing the large European managing agency houses in
30
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<li>
cb=1454603166" title="India. The rest were government nominees, invariably
civil ..." target="_blank">
31.
</a>
India. The rest were government nominees, invariably civil servants, one of
whom
was elected as the president of the board.
Business:-
The business of the banks was initially confined to discounting of bills of
exchange
or other negotiable private securities, keeping cash accounts and receiving
deposits and issuing and circulating cash notes. Loans were restricted to Rs.one
lakh and the period of accommodation confined to three months only. The security
for such loans was public securities, commonly called Company's Paper,
bullion,
treasure, plate, jewels, or goods 'not of a perishable nature' and no
interest could
be charged beyond a rate of twelve per cent. Loans against goods like opium,
indigo, salt woollens, cotton, cotton piece goods, mule twist and silk goods were
also granted but such finance by way of cash credits gained momentum only from
the third decade of the nineteenth century. All commodities, including tea, sugar
and jute, which began to be financed later, were either pledged or hypothecated to
the bank.
Major change in the conditions:-
A major change in the conditions of operation of the Banks of Bengal, Bombay
and Madras occurred after 1860. With the passing of the Paper Currency Act of
1861, the right of note issue of the presidency banks was abolished and the
Government of India assumed from 1 March 1862 the sole power of issuing paper
currency within British India. The task of management and circulation of the new
currency notes was conferred on the presidency banks and the Government
undertook to transfer the Treasury balances to the banks at places where the
banks would open branches. None of the three banks had till then any branches
(except the sole attempt and that too a short-lived one by the Bank of Bengal at
Mirzapore in 1839) although the charters had given them such authority. But as
soon as the three presidency bands were assured of the free use of government
31
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<li>
cb=1454603166" title="Presidency Banks Act:-
The presidency Banks Act, which came..." target="_blank">
32.
</a>
Presidency Banks Act:-
The presidency Banks Act, which came into operation on 1 May 1876, brought the
three presidency banks under a common statute with similar restrictions on
business. The proprietary connection of the Government was, however,
terminated, though the banks continued to hold charge of the public debt offices in
the three presidency towns, and the custody of a part of the government balances.
The Act also stipulated the creation of Reserve Treasuries at Calcutta, Bombay
and Madras into which sums above the specified minimum balances promised to
the presidency banks at only their head offices were to be lodged. The
Government could lend to the presidency banks from such Reserve Treasuries but
the latter could look upon them more as a favour than as a right.
Bank of Madras:-
The decision of the Government to keep the surplus balances in Reserve
Treasuries outside the normal control of the presidency banks and the connected
decision not to guarantee minimum government balances at new places where
branches were to be opened effectively checked the growth of new branches after
1876. The pace of expansion witnessed in the previous decade fell sharply
although, in the case of the Bank of Madras, it continued on a modest scale as the
profits of that bank were mainly derived from trade dispersed among a number of
port towns and inland centers of the presidency.
India witnessed rapid commercialization in the last quarter of the nineteenth
century as its railway network expanded to cover all the major regions of the
32
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<li>
cb=1454603166" title="country. New irrigation networks in Madras, Punjab and
Sind..." target="_blank">
33.
</a>
country. New irrigation networks in Madras, Punjab and Sind accelerated the
process of conversion of subsistence crops into cash crops, a portion of which
found its way into the foreign markets. Tea and coffee plantations transformed
large areas of the eastern Terais, the hills of Assam and the Nilgiris into regions
of
estate agriculture par excellence. All these resulted in the expansion of
India's
international trade more than six-fold.
The three presidency banks were both beneficiaries and promoters of this
commercialization process as they became involved in the financing of practically
every trading, manufacturing and mining activity in the sub-continent.
While the Banks of Bengal and Bombay were engaged in the financing of large
modern manufacturing industries, the Bank of Madras went into the financing of
large modern manufacturing
industries, the Bank of Madras went into the financing of small-scale industries in
a
way which had no parallel elsewhere. But the three banks were rigorously
excluded from any business involving foreign exchange. Not only was such
business considered risky for these banks, which held government deposits, it was
also feared that these banks enjoying government patronage would offer unfair
competition to the exchange banks which had by then arrived in India. This
exclusion continued till the creation of the Reserve Bank of India in 1935.
33
</li>
<li>
cb=1454603166" title="Presidency Banks of Bengal:-
The presidency Banks of Bengal..." target="_blank">
34.
</a>
Presidency Banks of Bengal:-
The presidency Banks of Bengal, Bombay and Madras with their 70 branches were
merged in 1921 to form the Imperial Bank of India. The triad had been transformed
into a monolith and a giant among Indian commercial banks had emerged. The
new bank took on the triple role of a commercial bank, a banker's bank and a
banker to the government. But this creation was preceded by years of deliberations
on the need for a 'State Bank of India'. What eventually emerged was a
'half-way
house' combining the functions of a commercial bank and a quasi-central bank.
The establishment of the Reserve Bank of India as the central bank of the country
in 1935 ended the quasi-central banking role of the Imperial Bank. The latter
ceased to be bankers to the Government of India and instead
Became agent of the Reserve Bank for the transaction of government business at
centers at which the central bank was not established.
But it continued to maintain currency chests and small coin depots and operate the
remittance facilities scheme for other banks and the public on terms stipulated by
the Reserve Bank. It also acted as a bankers' bank by holding their surplus
cash
and granting them advances against authorized securities.
The management of the bank clearing houses also continued with it at many
places where the Reserve Bank did not have offices. The bank was also the
biggest tendered at the Treasury bill auctions conducted by the Reserve Bank on
behalf of the Government.
34
</li>
<li>
cb=1454603166" title="The establishment of the Reserve Bank simultaneously saw
im..." target="_blank">
35.
</a>
The establishment of the Reserve Bank simultaneously saw important
amendments being made to the constitution of the Imperial Bank converting it into
a purely commercial bank.
Imperial Bank:-
The Imperial Bank during the three and a half decades of its existence recorded an
impressive growth in terms of offices, reserves, deposits, investments and
advances, the increases in some cases amounting to more than six-fold.
The financial status and security inherited from its forerunners no doubt provided
a
firm and durable platform. But the lofty traditions of banking which the Imperial
Bank consistently maintained and the high standard of integrity it observed in its
operations inspired confidence in its depositors that no other bank in India could
perhaps then equal. All these enabled the Imperial Bank to acquire a pre-eminent
position in the Indian banking industry and also secure a vital place in the
country's
economic life.
35
</li>
<li>
cb=1454603166" title="Stamp of Imperial Bank of India
Subsidiaries: -
The State B..." target="_blank">
36.
</a>
Stamp of Imperial Bank of India
Subsidiaries: -
The State Bank Group includes a network of eight banking subsidiaries and
several non-banking subsidiaries. Through the establishments, it offers various
services including merchant banking services, fund management, factoring
services, primary dealership in government securities, credit cards.
The eight banking subsidiaries are:
11. State Bank of Bikaner and Jaipur (SBBJ)
12. State Bank of Hyderabad (SBH)
13. State Bank of India (SBI)
14. State Bank of Indore (SBIR)
15. State Bank of Mysore (SBM)
36
</li>
<li>
cb=1454603166" title="16. State Bank of Patiala (SBP)
17. State Bank of Saurashtr..." target="_blank">
37.
</a>
16. State Bank of Patiala (SBP)
17. State Bank of Saurashtra (SBS)
18. State Bank of Travancore (SBT)
Products
Personal Banking:-
 SBI Term Deposits SBI Loan For Pensioners 

 SBI Recurring Deposits Loan Against Mortgage Of Property 

 SBI Housing Loan Loan Against Shares & Debentures 

 SBI Car Loan Rent Plus Scheme 

 SBI Educational Loan Medi-Plus Scheme 
Other Services:-
 Agriculture/Rural Banking 

 NRI Services 

 ATM Services 

 Demat Services 
37
</li>
<li>
cb=1454603166" title=" Corporate Banking 


 Mobile Ban..." target="_blank">
38.
</a>
 Corporate Banking 


 Mobile Banking 

 International Banking 

 Safe Deposit Locker 

 RBIEFT 

 E-Pay 

 E-Rail 

 SBI Vishwa Yatra Foreign Travel Card 

 Broking Services 

 Gift Cheques 
NETWORK OF SBI BANK:-
SBI Bank India has 52 Foreign Offices in 34 countries. SBI India serves the
international needs of its foreign customers, in addition to conducting retail
operations. The focus of the offices of SBI is India-related business. Few of the
countries where SBI Bank has branches are as under:
 Australia 

 Bahamas 

 Bahrain 

 Bangladesh 

 Belgium 

 Bhutan 

 Canada 

 France 

 Germany 

 Hong Kong 

 Japan 

 Maldives 
38
</li>
<li>
cb=1454603166" title=" Mauritious 

 Muscat 

 Nepal 

 Nigeria 

 O..." target="_blank">
39.
</a>
 Mauritious 

 Muscat 

 Nepal 

 Nigeria 

 Oman 

 Russia 

 Singapore 

 Sri Lanka 

 South Africa 

 UK 

 USA 
Structure of Organization:-
Central Board of State Bank of
India (As on 13
th
January 2009)
BOARD OF DIRECTORS
Sr. No. Name of Director
Sec. of SBI Act,
1955
1.
Shri O.P. Bhatt
19(a)
Chairman
2. Shri S.K. Bhattacharyya 19(b)
MD & CC&RO
3.
Shri R. Sridharan
19(b)
MD & GE(A&S)
4. Dr. Ashok Jhunjhunwala 19(c)
5. Shri Dileep C. Choksi 19(c)
6. Shri S. Venkatachalam 19(c)
7. Shri. D. Sundaram 19(c)
8. Dr. Deva Nand Balodhi 19(d)
9. Prof. Mohd. Salahuddin Ansari 19(d)
39
</li>
<li>
cb=1454603166" title="10. Dr.(Mrs.) Vasantha Bharucha 19(d)
11. Dr. Rajiv Kumar 1..." target="_blank">
40.
</a>
10. Dr.(Mrs.) Vasantha Bharucha 19(d)
11. Dr. Rajiv Kumar 19(d)
12. Shri Arun Ramanathan 19(e)
13.
Smt. Shyamala Gopinath
19(f)
PERFORMANCE OF SBI BANK
INVESTOR RELATIONS:-
State Bank of India, the country‘s largest commercial Bank in terms of profits,
assets, deposits, branches and employees, welcomes you to its ‗Investors
Relations‘ Section. SBI, with its heritage dating back to the year 1806, strives to
continuously provide latest and upto date information on its financial performance.
It is our endeavor to walk on the path of transparency and allow complete access
to all the stakeholders enabling total awareness about the Bank. The Bank
communicates with the stakeholders through a variety of channels, such as
through e-mail, website, conference call, one-on-one meeting, analysts‘ meet and
attendance at Investor Conference throughout the world.
Please find below Bank‘s financial results, analysis of performance and other
highlights which will be of interest to Investors, Fund Managers and Analysts. SBI
has always been fundamentally strong in its core business which is mirrored
40
</li>
<li>
cb=1454603166" title="SBI FINANCIAL HIGHLIGHTS:-
PAST 5 YEARS
TABLE I
STATE BANK ..." target="_blank">
41.
</a>
SBI FINANCIAL HIGHLIGHTS:-
PAST 5 YEARS
TABLE I
Rs. in Billion FY2002 FY2003 FY2004 FY2005 FY 2006 FY2007
Deposits 2705.6 2961.24 3186.19 3670.48 3800.46 4355.21
Advances 1208.06 1377.58 1579.34 2023.74 2618.01 3373.36
Investments 1451.42 1723.48 1856.76 1970.98 1625.34 1491.49
Total Assets 3482.28 3758.76 4078.15 4598.83 4940.29 5665.65
Interest Income 298.10 310.87 304.60 324.28 359.80 394.91
Interest Expenses 207.29 211.09 192.74 184.83 203.90 234.37
Net Interest Income 90.81 99.78 111.86 139.45 155.89 160.54
Non-Interest Income 41.74 57.40 76.12 71.20 74.35 57.69
Total Operating Income 132.55 157.18 187.98 210.65 230.24 218.23
Staff Expenses 51.53 56.89 64.48 69.07 81.23 79.33
Overhead Expenses 20.58 22.53 27.97 31.67 36.02 38.91
Total Operating 72.11 79.42 92.45 100.74 117.25 118.24
41
</li>
<li>
cb=1454603166" title="Expenses
Operating Profit
60.44 77.76 95.53 109.91 112.99 1..." target="_blank">
42.
</a>
Expenses
Operating Profit
60.44 77.76 95.53 109.91 112.99 100.00
Total Provisions
36.14 46.70 58.72 66.86 68.93 54.59
Net Profit 24.30 31.06 36.81 43.05 44.07 45.41
TABLE II
(IN US $)
In US$ Billion FY2002 FY2003 FY2004 FY2005 FY2006 FY2007
Deposits 55.44 62.35 72.88 83.91 85.18
100.19
Advances 24.76 29.01 36.13 46.26 58.68
77.60
Investments
29.74 36.29 42.47 45.06 36.43 34.31
Total Assets
71.36 79.15 93.28 105.13 110.73 130.33
Interest Income
6.11 6.55 6.97 7.41 8.06 9.08
Interest Expenses
4.25 4.45 4.41 4.23 4.57 5.39
Net Interest Income
1.86 2.10 2.56 3.18 3.49 3.69
Non-Interest Income
0.86 1.21 1.74 1.63 1.66 1.33
Total Operating Income 2.72 3.31 4.30 4.81 5.15 5.02
42
</li>
<li>
cb=1454603166" title="Staff Expenses
1.06 1.20 1.47 1.58 1.82 1.82
Overhead Expen..." target="_blank">
43.
</a>
Staff Expenses
1.06 1.20 1.47 1.58 1.82 1.82
Overhead Expenses
0.42 0.47 0.64 0.72 0.81 0.90
Total Operating Expenses
1.48 1.67 2.11 2.30 2.63 2.72
Operating Profit
1.24 1.64 2.19 2.51 2.52 2.30
Total Provisions
0.74 0.98 1.34 1.53 1.54 1.26
Net Profit 0.50 0.66 0.85 0.98 0.98
1.04
TABLE III
STATE BANK OF INDIA
KEY FINANCIAL
FY2002 FY2003 FY2004 FY2005 FY2006 FY2007
INDICATORS(%)
ROA
0.73 0.86 0.94 0.99 0.89 0.84
ROE
15.97 18.05 18.19 18.10 15.47 14.24
EPS(Rs.)
46.20 59.00 69.94 81.79 83.73 86.29
BVS(Rs.)
289 327 384 450 525 606
Dividend Pay out Ratio 12.98 14.40 15.73 15.29 16.72 16.22
Cost/Income Ratio 54.40 50.53 49.18 47.83 58.70 54.18
Capital Adequacy Ratio
13.35 13.50 13.53 12.45 11.88 12.34
7.60 7.11 6.02 5.11 4.77 4.79
43
</li>
<li>
cb=1454603166" title="Cost of Deposits
Yield on Advances 9.66 8.97 8.17 7.68 7.78..." target="_blank">
44.
</a>
Cost of Deposits
Yield on Advances 9.66 8.97 8.17 7.68 7.78 8.67
Yield on Resources Deployed 10.06 9.53 8.62 7.94 7.10 6.88
Net Interest Margin 2.91 2.95 3.04 3.39 3.40 3.31
Gross NPA Ratio 11.95 9.33 7.75 5.96 3.61 2.92
Net NPA Ratio 5.63 4.50 3.48 2.65 1.88 1.56
Provision Coverage 56 54 57 57 49 47
TABLE IV
SUMMARY OF STATE BANK OF INDIA’S BALANCE SHEET
(Rs. in billion) MARCHMARCH MARCH MARCH MARCH MARCH
2002 2003 2004 2005 2006 2007
Capital
5.26 5.26 5.26 5.26 5.26 5.26
Reserves & Surplus
146.98 166.77 197.05 235.46 271.18 307.72
Deposits
2705.60 2961.23 3186.19 3670.48 3800.46 4355.21
Borrowings
93.24 93.04 134.31 191.84 306.41 397.03
Other Liabilities &
531.20 532.46 555.34 495.79 556.98 600.42
Provisions
Total ASSETS
3482.28 3758.76 4078.15 4598.83 4940.29 5665.65
Cash & balances with 218.73 127.38 190.41 168.10 216.53 290.76
44
</li>
<li>
cb=1454603166" title="Reserve Bank of
India
Balances with bank
and money at call ..." target="_blank">
45.
</a>
Reserve Bank of
India
Balances with bank
and money at call & 430.58 324.43 245.25 225.12 229.07 228.92
short notice
Investments
1451.42 1723.48 1856.76 1970.98 1625.34 1491.49
Advances
1208.06 1377.58 1579.34 2023.74 2618.01 3373.36
Fixed Assets
24.15 23.89 26.45 26.98 27.53 28.19
Other Assets
149.34 182.01 179.94 183.91 223.81 252.92
Total
3482.28 3758.77 4078.15 4598.83 4940.29 5665.65
Contingent Liabilities 1022.13 1061.06 1118.92 1593.97 2288.51 3065.90
Bills for Collection 101.77 75.71 101.94 167.77 205.93 233.68
TABLE V
SUMMARY OF STATE BANK OF INDIA’S BALANCE SHEET
(In US $ billion) MARCHMARCH MARCH MARCH MARCH MARCH
2002 2003 2004 2005 2006 2007
Capital
0.11 0.11 0.12 0.12 0.12 0.12
Reserves & Surplus
3.01 3.51 4.51 5.38 6.08 7.08
Deposits 55.44 62.35 72.88 83.94 85.18 100.19
45
</li>
<li>
cb=1454603166" title="Borrowings
1.91 1.96 3.07 4.39 6.87 9.13
Other Liabilities ..." target="_blank">
46.
</a>
Borrowings
1.91 1.96 3.07 4.39 6.87 9.13
Other Liabilities & 10.88 11.21 12.70 11.33 12.48 13.81
Provisions
Total ASSETS
71.35 79.14 93.28 105.13 110.73 130.33
Cash & balances with
4.48 2.68 4.35 3.84 4.85 6.69
Balances with banks and
8.82 6.83 5.61 5.15 5.13 5.27money at call & short
notice
Investments
29.74 36.29 42.47 45.06 36.43 34.31
Advances
24.76 29.01 36.13 46.26 58.68 77.60
Fixed Assets
0.49 0.50 0.61 0.62 0.62 0.65
Other Assets
3.06 3.83 4.11 4.20 5.02 5.82
Total
71.35 79.14 93.28 105.13 110.73 130.33
Contingent Liabilities
20.95 22.34 25.59 36.44 51.30 70.53
Bills for Collection 2.08 1.59 2.33 3.83 4.62 5.38
TABLE VI
STATE BANK OF INDIA MARKET RELATED RATIOS
MARKET RELATED RATIOS MAR 03 MAR 04 MAR 05 MAR 06
MAR 07
46
</li>
<li>
cb=1454603166" title="Market Price (Rs) 270 606 657 968 993
(as on last day of th..." target="_blank">
47.
</a>
Market Price (Rs) 270 606 657 968 993
(as on last day of the year/quarter)
Price to Book Ratio (%)
0.83 1.58 1.44 1.84 1.64
Market Capitalization 142.05 318.78 345.75 509.48 522.56
(Rs in Billion)
Earning Per Share 59.00 69.94 81.79 83.73 86.29
( Rs)
P/E Ratio (%)
4.58 8.66 8.03 10.40 11.51
47
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<li>
cb=1454603166" title="48
" target="_blank">
48.
</a>
48
</li>
<li>
cb=1454603166" title="49
" target="_blank">
49.
</a>
49
</li>
<li>
cb=1454603166" title="50
" target="_blank">
50.
</a>
50
</li>
<li>
cb=1454603166" title="SBI Personal Loans:-
51
" target="_blank">
51.
</a>
SBI Personal Loans:-
51
</li>
<li>
cb=1454603166" title="SBI Personal Loans also known as State Bank of India
person..." target="_blank">
52.
</a>
SBI Personal Loans also known as State Bank of India personal finance schemes,
aim to provide the necessary financial assistance to as many people as possible to
help them realize their dreams or come out of situations of financial need. State
Bank of India being India's largest bank is a trusted name and the SBI
personal
loan rates of interest are kept at the most competitive level to make a personal
loan as approachable. The most popular SBI personal loans include housing loans,
car loans, education loan, loans against property, shares or debentures, reverse
mortgage loans and more.
State Bank of India Housing Loan or SBI Home Loan is available in complete
transparency and at no hidden costs. The interest rates are charged on daily
reducing basis.
SBI Car Loans offer a lucrative deal of low interest rates, easy repayment
facilities
and inclusion of all additional charges like vehicle registration, insurance, one-
time
road tax and car accessories. State Bank of India offers car loans for purchase of
all kinds of personal use and commercial vehicles. State Bank of India offers
Education Loan to Indian nationals for pursuing higher studies within the country
or abroad. The SBI education loan covers the travel expenses, tuition fees,
examination fees, costs of books and other course material and stationery,
refundable caution deposits, expenses for purchase of computers necessary for
the course and also a two-wheeler conveyance up to Rs. 50, 000 in costs along
with any other major expenses mandatory to the course.
52
</li>
<li>
cb=1454603166" title="Personal Loan against Third Party Security of NSC/ IVP/
RBI..." target="_blank">
53.
</a>
Personal Loan against Third Party Security of NSC/ IVP/ RBI Relief Bonds
etc.:-
Tenure Rate of Interest
Up to 3 years 1.00% above SBAR i.e. 13.25%
p.a.
0.25% above SBAR i.e. 12.50%
Above 3 years upto 6 years p.a.
53
</li>
<li>
cb=1454603166" title="(FAQ) PERSONAL LOAN
A. Your per..." target="_blank">
54.
</a>
(FAQ) PERSONAL LOAN
A. Your personal loan limit would be determined by your income and repayment
capacity. Normally you can avail a loan upto Rs.2.50 lacs. However, if in metros
of NewDelhi, Mumbai, Bangalore, Chennai, Hyderabad and Kolkata, salaried
individuals or self-employed professionals can avail Personal Loan upto Rs.5.00
lacs. If the salary of a salaried individual is credited to his/her account with
our
Bank or a self-employed professional has been maintaining a satisfactorily
conducted account with us, a Personal Loan of up to Rs.10 lacs can be
sanctioned.
Q. Can my spouse‘s income be included for calculating the loan amount?
A. Yes, your spouse's income can be included provided he/she guarantees the
loan or the loan is taken jointly.
Q. What are the important documents that I need to provide?
A. You will need to furnish only the following documents if you are an existing
customer of the Bank:
- Passport size photograph
- Proof of official address for self employed individuals and professionals. This
can
include shop and establishment certificate/Lease deed/Telephone Bill
- Latest Salary clip and Form 16, in the case of salaried persons
Q. Do I have to pledge some form of security?
A. No security is required.
Q. What is the repayment schedule like?
A. The minimum amount that you are expected to pay every month is the EMI. You
54
</li>
<li>
cb=1454603166" title="are allowed to pay more than the EMI if you wish to, and
we..." target="_blank">
55.
</a>
are allowed to pay more than the EMI if you wish to, and we do not charge any
prepayment penalty.
Q. What is EMI?
A. EMI stands for Equated Monthly Installments. This installment comprises both
principal and interest components. Use the EMI calculator to find out your monthly
payments based on the loan amount, the rate of interest and the repayment
period. Choose the combination that best meets your financial resources and
requirements.
Q. Can I prepay the loan? Are there any penalties?
A. Yes, you can prepay the loan partly or fully, at any stage, without any
prepayment penalty.
Q. What is the processing fee? Are there any other charges?
A. Processing charges are 1 per cent of the loan amount. This is amongst the
lowest fees in the industry. Processing fees have to be paid upfront. There are no
hidden costs or other administrative charges.
Q. Do I have the option of choosing a fixed or floating rate for the loan?
A. You have the option to avail the loan with either a fixed interest rate or a
floating
one. In the case of a fixed rate loan, the interest rate on the loan will remain
fixed
through the entire tenure of the loan, whereas in the case of a floating rate loan,
the interest rate could decline or rise in line with the changes in the Bank's
Medium Term Lending Rate (SBMTLR).
Q. How does SBI Personal loan compare with those offered by other banks?
A. There is total transparency with regard to the rate of interest and the fees
charged by us.
- We offer personal loans at the cheapest rates of interest, with no security or
collateral
- We offer loans for the longest tenors (48 months), with the flexibility provided
to
reduce the tenor by prepaying the loan without any penalty.
- We provide finance for any personal need or requirement, the total amount
being determined on the basis of repaying capacity.
55
</li>
<li>
cb=1454603166" title="- With an SBI personal loan you can choose between fixed
ra..." target="_blank">
56.
</a>
- With an SBI personal loan you can choose between fixed rates of interest
and floating interest rates.
INTRODUCTION OF HDFC BANK
Background
HDFC was incorporated in 1977 with the primary objective of meeting a social
Need – that of promoting home ownership by providing long-term finance to
households for their housing needs. HDFC was promoted with an initial share
capital of Rs. 100 million.
Business Objectives
The primary objective of HDFC is to enhance residential housing stock in the
Country through the provision of housing finance in a systematic and professional
Manner, and to promote home ownership. Another objective is to increase the flow
of resources to the housing sector by integrating the housing finance sector with
the overall domestic financial markets.
Organizational Goals
HDFC‘s main goals are to
a) Develop close relationships with individual households.
b) Maintain its position as the premier housing finance institution in the country,
c) Transform ideas into viable and creative solutions.
d) Provide consistently high returns to shareholders.
56
</li>
<li>
cb=1454603166" title="e) To grow through diversification by leveraging off the
Ex..." target="_blank">
57.
</a>
e) To grow through diversification by leveraging off the Existing client.
HISTORY OF HDFC BANK
first to receive an 'in principle' approval from the Reserve Bank of
India (RBI) to set
up a bank in the private sector, as part of the RBI's liberalization of the
Indian
Banking Industry in 1994. The bank was incorporated in August 1994 in the name
of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC
Bank
commenced operations As a Scheduled Commercial Bank on 16th January 1995.
In the year 1998 HDFC Bank had tied up with the Ahmadabad Stock Exchange
(ASE) to act as its clearing bank
Business Focus:-
HDFC Bank's mission is to be a World-Class Indian Bank. The objective is to
build
sound customer franchises across distinct businesses so as to be the preferred
provider of banking services for target retail and wholesale customer segments,
and to achieve healthy growth in profitability, consistent with the bank's
risk
appetite. The bank is committed to maintain the highest level of ethical standards,
professional integrity, corporate governance and regulatory compliance.
57
</li>
<li>
cb=1454603166" title="Subsidiary and Associate Companies
The subsidiaries of HDFC..." target="_blank">
58.
</a>
Subsidiary and Associate Companies
The subsidiaries of HDFC consists of
1. HDFC Bank
2. HDFC Mutual Fund
3. HDFC Standard Life Insurance Company
4. HDFC Realty
5. HDFC Chubb General Insurance Company Limited.
6. Intel net Global Services Limited
7. Credit Information Bureau (India) Limited
8. Other Companies Co – Promoted by
HDFC HDFC Trustee Company Ltd.
GRUH Finance Ltd.
HDFC Developers Ltd.
HDFC Venture Capital Ltd.
HDFC Venture Trustee Company Ltd
HDFC Securities Ltd.
HDFC Holding Ltd.
Home Loan Services India Pvt. Ltd.
58
</li>
<li>
cb=1454603166" title="HDFC BANK
The Organization:-
The Housing Development Financ..." target="_blank">
59.
</a>
HDFC BANK
The Organization:-
first to receive an 'in principle' approval from the Reserve Bank of
India (RBI) to set
up a bank in the private sector, as part of the RBI's liberalisation of the
Indian
Banking Industry in 1994. The bank was incorporated in August 1994 in the name
of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC
Bank
commenced operations As a Scheduled Commercial Bank on 16th January 1995.
In the year 1998 HDFC Bank had tied up with the Ahmadabad Stock Exchange
(ASE) to act as its clearing bank.
Capital Structure:-
The authorized capital of HDFC Bank is Rs.450 crore (Rs.4.5 billion). The paid-up
capital is Rs.311.9 crore (Rs.3.1 billion). The HDFC Group holds 22.1% of the
bank's equity and about 19.4% of the equity is held by the ADS Depository (in
respect of the bank's American Depository Shares (ADS) Issue). Roughly 31.3%
of
the equity is held by Foreign Institutional Investors (FIIs) and the bank has about
190,000 shareholders. The shares are listed on the The Stock Exchange, Mumbai
and the National Stock Exchange.
59
</li>
<li>
cb=1454603166" title="Times Bank Amalgamation:-
In a milestone transaction in the..." target="_blank">
60.
</a>
Times Bank Amalgamation:-
In a milestone transaction in the Indian banking industry, Times Bank Limited
(another new private sector bank promoted by Bennett, Coleman & Co./Times
Group) was merged with HDFC Bank Ltd., effective February 26, 2000. As per the
scheme of amalgamation approved by the shareholders of both banks and the
Reserve Bank of India, shareholders of Times Bank received 1 share of HDFC
Bank for every 5.75 shares of Times Bank. The acquisition added significant value
to HDFC Bank in terms of increased branch network, expanded geographic reach,
enhanced customer base, skilled manpower and the opportunity to cross-sell and
leverage alternative delivery channels.
60
</li>
<li>
cb=1454603166" title="ORGANIZATIONAL STRUCTURE OF HDFC BANK:-
Board of Directors:..." target="_blank">
61.
</a>
ORGANIZATIONAL STRUCTURE OF HDFC BANK:-
Board of Directors:-
1. Mr.Jagdish Kapoor
2. Aditya Puri
3. Ranu Kamad
4. Vineet Jain
5. Arvind Pande
6. Gautam Divan
7. C M Vasudav
Mr. Jagdish Kapoor took over as the bank's Chairman in July 2001. Prior to
this,
Mr. Kapoor was a Deputy Governor of the Reserve Bank of India.
The Managing Director, Mr. Aditya Puri, has been a professional banker for over
25 years, and before joining HDFC Bank in 1994 was heading Citibank's
operations in Malaysia.
The Bank's Board of Directors is composed of eminent individuals with a wealth
of
experience in public policy, administration, industry and commercial banking.
Senior executives representing HDFC are also on the Board.
61
</li>
<li>
cb=1454603166" title="The management consists of the Chairman Mr Jagdish kapoor
a..." target="_blank">
62.
</a>
The management consists of the Chairman Mr Jagdish kapoor and 9 other
Directors that assist him in achieving objectives of the bank.
MR. Jagdish Kapoor
Mr. Jagdish Kapoor holds a Masters degree in Commerce and is a Fellow member
of Indian Institute of Banking and Finance. Prior to joining the Bank, Mr. Kapoor
was the Deputy Governor of the Reserve Bank of India. He retired as Deputy
Governor of Reserve Bank of India after serving for 39 years. While with Reserve
Bank of India, Mr. Kapoor was the Chairman of the Deposit Insurance and Credit
Guarantee Corporation of India and Bharatiya Reserve Bank Note Mudran Limited.
He also served on the boards of Export Import Bank of India, National Housing
Bank, National Bank for Agriculture and Rural Development (NABARD) and State
Bank of INDIA.
62
</li>
<li>
cb=1454603166" title="MR. Aditya Puri.
Mr. Aditya Puri holds a Bachelors degree i..." target="_blank">
63.
</a>
MR. Aditya Puri.
Mr. Aditya Puri holds a Bachelors degree in Commerce from Punjab University
and is an associate member of the Institute of Chartered Accountants of India. Mr.
Aditya Puri has been the Managing Director of the Bank since September 1994.
Mr. KeKi M. Mistry
Mr. Mistry is Vice Chairman & Managing Director of Housing Development
Finance Corporation Limited and Chairman of GRUH Finance Limited. He is also a
Director on the Board of HDFC Developers Limited, HDFC Standard Life Insurance
Co. Ltd, HDFC General Insurance Company Limited, Infrastructure Leasing &
Financial Services Limited, Sun Pharmaceutical Industries Limited, The Great
Eastern Shipping Company Limited, NexGen Publishing Limited, India Value Fund
Advisors Private Limited, HDFC Asset Management Company Limited, Greatship
(India) Limited, Griha Investments-Mauritius and Association of Leasing &
Financial Services Companies.
Mr. Vineet Jain
63
</li>
<li>
cb=1454603166" title="Mr. Jain is Managing Director of Bennett, Coleman & Co.
Lim..." target="_blank">
64.
</a>
Mr. Jain is Managing Director of Bennett, Coleman & Co. Limited and
Director in
Times Infotainment Media Limited, Entertainment Network (India) Limited, Optimal
Media Solutions Limited, The Press Trust of India Limited, Times Internet Limited,
Times Global Broadcasting Company Limited, Bharat Nidhi Limited, Times Journal
India Private Limited, Worldwide Media Private Limited,.
Mrs. Renu Karnad
Mrs. Karnad is a Joint Managing Director of Housing Development Finance
Corporation Limited and Chairperson of HDFC Venture Capital Limited, HDFC
Property Ventures Limited and Home Loan Services India Private Limited. She is a
Director of HDFC Asset Management Company Limited, GRUH Finance Limited,
HDFC Realty Limited, Credit Information Bureau (India) Limited, HDFC General
Insurance Company Limited, ICI India Limited, Indraprastha Medical Corporation
Limited, HDFC Standard Life Insurance Company Limited, Sparsh BPO Services
Limited, Mother Dairy Fruits & Vegetables Private Limited, Feedback Ventures
Private Limited, Motor Industries Co. Limited, Egyptian Housing Finance Company
and Ascendas Pte. Limited, Singapore.
64
</li>
<li>
cb=1454603166" title="Mr. Arvind Pande
He was a Joint Secretary to the Prime Mini..." target="_blank">
65.
</a>
Mr. Arvind Pande
He was a Joint Secretary to the Prime Minister of India for Economics, Science
and Technology issues. Mr. Pande has served as a Director, Department of
Economic Affairs, Ministry of Finance, Government of India and has dealt with
World Bank aided projects. Mr. Pande has also served on the Board of Steel
Authority of India Limited as its Chairman and Chief Executive Officer (CEO).
Mr. Ashim Samanta
He has vast experience in the field of bulk drugs and pharmaceutical formulations.
He is a Director of Samanta Organics Private Limited, Nautilus Trading &
Leasing
Private Limited, Ashish Rang Udyog Private Limited, Samanta Movies Private
Limited and Shakti Cine Studios Private Limited. Mr. Samanta has also been
engaged in setting up and running of film editing and dubbing studio.
Mr. Gautam Divan
Mr. Divan is on the Board of HDFC Standard Life Insurance Company Limited,
Baltic Consultancy & Services Private Limited, Bell Ceramics Limited, Brady
&
Morris Engineering Company Limited, Chandanbhoy and Jassoobhoy Consultants
65
</li>
<li>
cb=1454603166" title="Private Limited, Serendib Investments Private Limited and
A..." target="_blank">
66.
</a>
Private Limited, Serendib Investments Private Limited and Ascent Hotels Private
Limited.
Dr. Pandit Palande
Dr. Palande has extensive experience of working in the fields of business
administration, management and agriculture. Under the guidance of Dr. Palande,
YCMOU has become one of the green universities in India. As a project Director of
Indian Space Research Organisation (ISRO) GAP-3 of YCMOU, Dr. Palande has
been serving the agriculture community on a large scale through satellite.
Products and Services – HDFC Bank
Product range:
The following is the product range offered at HDFC: While various deposit products
offered by the bank are assigned different names, the deposit products can be
categorized broadly into the following types. Definition of major deposit schemes
are as under: -
1. Demand deposits:
"Demand Deposits" means a deposit received by the bank which is withdrawn
able on demand;
a) Savings Account:
66
</li>
<li>
cb=1454603166" title=""Savings Deposits" means a form of Demand Deposit
which is ..." target="_blank">
67.
</a>
"Savings Deposits" means a form of Demand Deposit which is subject to
restrictions as to the number of withdrawals as also the amounts of withdrawals
permitted by the bank during any specified period; HDFC provides with saving
bank account with the usual facilities, and one also gets a free ATM card,
intrbranch banking, bill payment facilities, phone banking and mobile banking.
2. Term Deposits:
"Term Deposit" means a deposit received by the bank for a fixed period
withdraw
able only after the expiry of the fixed period and includes deposits such as
Recurring / Double Benefit Deposits .
3. Notice Deposit:
''Notice Deposit'' means Term Deposit for a specific period but
which can be
withdrawn on giving at least one complete banking day's notice.
4. Current Account:
"Current Account" means a form of Demand Deposit wherefrom withdrawals
are
allowed any number of times depending upon the balance in the account or up to a
particular agreed amount and will also include other deposit accounts which are
neither Savings Deposit nor Term Deposit; The account holder gets a personalized
cheque book, monthly account statements, and Inter-branch banking.
5. Corporate Account:-
67
</li>
<li>
cb=1454603166" title="These are more commonly known as Salary Accounts. These
are..." target="_blank">
68.
</a>
These are more commonly known as Salary Accounts. These are account in
HDFC bank with zero balance. These are given to salaried people. These
accounts are opened by the employer for the employees to deposit the salary of
the employee directly to the account.
6. HDFC Bank Preferred:-
A preferential Savings Account where in, one is assigned with a dedicated
Relationship Manager, who‘s you‘re the one point contact. One also get privileges
like fee waivers, enhanced ATM withdrawal limit, priority locker allotment, free
Demat Account and lower interest rates on loans.
7. Sweep-In Account:-
A Fixed Deposit linked to one‘s Savings Account. So, even if one‘s Savings
Account runs a bit short, one can issue a cheque (or use ATM Card).
8. Super Saver Account:-
It gives one an overdraft facility up to 75% of one‘s fixed deposit. In an
emergency, you can access your funds while your fixed deposit continues to earn
high interest.
9. HDFC Bank Plus:-
Apart from Regular and Premium Current Accounts HDFC also has HDFC Bank
Plus, a Current Account and then something extra for the HDFC bank customers.
One can transfer up to Rs. 50 lakh every month at no extra charges, between the
four metros.
68
</li>
<li>
cb=1454603166" title="11.Demat Account:
One can conduct hassle-free transactions ..." target="_blank">
69.
</a>
11.Demat Account:
One can conduct hassle-free transactions on the stock market for one‘s shares.
The shares held by the customer are protected from damage, loss and theft, by
maintaining these shares in electronic form. This account can be accessed through
Internet too.
12.Loans:
There are a variety of loan schemes offered like personal loans, new car loans,
used car loans, loan against shares, consumer loans, two wheeler loans, and
home loans.
Performance of HDFC Bank
Awards and Achievements:
HDFC Bank began operations in 1995 with a simple mission: to be a "World-
class Indian Bank". We realised that only a single-minded focus on product
quality and service excellence would help us get there. Today, we are proud to say
that we are well on our way towards that goal.
It is extremely gratifying that our efforts towards providing customer convenience
have been appreciated both nationally and internationally.
69
</li>
<li>
cb=1454603166" title="2009
Asian Banker 'Asian Banker Best Retail Bank in India A..." target="_blank">
70.
</a>
2009
Asian Banker 'Asian Banker Best Retail Bank in India Award 2009 '
Excellence in
Retail Financial
Services
2008
70
</li>
<li>
cb=1454603166" title="Finance Asia ' Best Bank and Best Cash Management
Bank'
Cou..." target="_blank">
71.
</a>
Finance Asia ' Best Bank and Best Cash Management Bank'
Country Awards
for Achievement
2008
CNN-IBN 'Indian of the Year (Business)'
Nasscom IT User 'Best IT Adoption in the Banking Sector'
Award 2008
Business India 'Best Bank 2008'
Forbes Asia Fab 50 companies in Asia Pacific
Asian Banker Best Retail Bank 2008
Excellence in
Retail Financial
Services
Asiamoney Best local Cash Management Bank Award voted by
Corporates
Microsoft & Indian Security Strategist Award 2008
Express Group
World Trade For outstanding contribution to international trade
Center Award of services.
honour
Business Today- One of India's "Most Innovative Companies"
Monitor Group
survey
Financial Best Bank Award in the Private Sector category
Express-Ernst &
Young Award
Global HR 'Employer Brand of the Year 2007 -2008' Award - First
Excellence Runner up, & many more
Awards - Asia
Pacific HRM
Congress:
2007
71
</li>
<li>
cb=1454603166" title="Dun & Bradstreet 'Corporate Best Bank' Award
– American
Exp..." target="_blank">
72.
</a>
Dun & Bradstreet 'Corporate Best Bank' Award
– American
Express
Corporate Best
Bank Award 2007
The Bombay 'Best Corporate Social Responsibility Practice' Award
Stock Exchange
and Nasscom
Foundation's
Business for
Social
Responsibility
Awards 2007
Outlook Money & Best Bank Award in the Private sector category.
NDTV Profit
The Asian Banker Best Retail Bank in India
Excellence in
Retail Financial
Services Awards
Asian Banker Our Managing Director Aditya Puri wins the Leadership
Achievement Award for India
72
</li>
<li>
cb=1454603166" title="Credit Rating:-
HDFC Bank has its deposit programmes rated ..." target="_blank">
73.
</a>
Credit Rating:-
HDFC Bank has its deposit programmes rated by two rating agencies - Credit
Analysis & Research Limited. (CARE) and Fitch Ratings India Private Limited.
The
bank's Fixed Deposit programme has been rated 'CARE AAA (FD)'
[Triple A] by
CARE, which represents instruments considered to be "of the best quality,
carrying
negligible investment risk".
CARE has also rated the bank's Certificate of Deposit (CD) programme "PR
1+"
which represents "superior capacity for repayment of short term promissory
obligations". Fitch Ratings India Pvt. Ltd. (100% subsidiary of Fitch Inc.)
has
assigned the "tAAA ( ind )" rating to the bank's deposit programme,
with the
outlook on the rating as "stable". This rating indicates "highest
credit quality" where
"protection factors are very high".
HDFC Bank also has its long term unsecured, subordinated (Tier II) Bonds of Rs.4
billion rated by CARE and Fitch Ratings India Private Limited. CARE has assigned
the rating of "CARE AAA" for the Tier II Bonds while Fitch Ratings India
Pvt. Ltd.
has assigned the rating "AAA( ind )" with the outlook on the rating as
"stable". In
each of the cases referred to above, the ratings awarded were the highest
assigned by the rating agency for those instruments.
73
</li>
<li>
cb=1454603166" title="Personal Loan Policies
..." target="_blank">
74.
</a>
Personal Loan Policies
1. Borrow up to Rs 15,00,000 for any purpose depending on your requirements.
2. Flexible Repayment options, ranging from 12 to 60 months.
3. Repay with easy EMIs.
4. One of the lowest interest rates.
5. Hassle free loans - No guarantor/security/collateral required.
6. Speedy loan approval.
7. Convenience of service at your doorstep
8. Customer privileges
If you are an HDFC Bank salary account holder, we have a special offer for you
If you are an existing Auto Loan customer with a clear repayment of 12 months
or more from any of our approved financiers or us, you can get a hassle free
personal loan (without income documentation).
If you are an existing HDFC Bank Personal Loan customer with a clear
repayment of 12 months or more, we can Top-Up your personal loan.
74
</li>
<li>
cb=1454603166" title="Eligibility Criteria:-
M..." target="_blank">
75.
</a>
Eligibility Criteria:-
Maximum age of Applicant at loan maturity: 60 years
Minimum employment: Minimum 2 years in employment and minimum 1
year in the current organization
Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in
Mumbai, Delhi, Bangalore, Chennai and Hyderabad & Rs. 12,000 in
Calcutta, Ahmedabad and Cochin)
Documents required:-
Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade
licence /Est./Sales Tax certificate)
Bank Statements (latest 3 months bank statement / 6 months bank
passbook)
Latest salary slip or current dated salary certificate with latest Form 16
75
</li>
<li>
cb=1454603166" title="Fees & Charges for Personal Loan
Description of Charges Per..." target="_blank">
76.
</a>
Fees & Charges for Personal Loan
Description of Charges Personal Loan
Loan Processing Charges Upto 2% of the loan amount
Prepayment (upto 6 months of availing
loan)
Pre-payment charges(after 6 months of
availing loan)
No Due Certificate / No Objection
Certificate (NOC)
Duplicate no due certificate / NOC
Solvency Certificate
Charges for late payment of EMI
Charges for changing from fixed to
floating rate of interest
Charges for changing from floating to
fixed rate of interest
Stamp Duty & other statutory charges
Credit assessment charges
Non standard repayment charges
Cheque swapping charges
Loan Re -booking charges / Re-
scheduling charges
Loan cancellation charges
Cheque Bounce Charges
Statement Charges (per statement)/
Repayment Schedule
Legal / incidental charges
No pre-payment permitted
4% of the Principal Outstanding
NIL
Rs 250/-
Not applicable
@ 24 % p.a on amount outstanding from
date of default
Not applicable
Not applicable
As per applicable laws of the state
Not applicable
Not applicable
Rs 500/- per event
Rs 1000/-
Rs. 1000/-
Rs 450/- per cheque bounce
Rs 500/-
At actual
76
</li>
<li>
cb=1454603166" title="FAQs:-
1. If you have any queries that are not answered her..." target="_blank">
77.
</a>
FAQs:-
1. If you have any queries that are not answered here, please call us or
Write to us.
2. What are the benefits of having a Salary Account for my personal loan?
3. How much loan can I avail of?
4. How do I repay my Personal loan?
5. What security do I need to provide to obtain this loan?
6. What are the loan tenure options?
7. How long will it take for me to get my loan?
8. Can I repay the loan earlier?
9. How do I get a Personal Loan?
77
</li>
<li>
cb=1454603166" title="METHODOLOGY OF THE STUDY
Research as a..." target="_blank">
78.
</a>
METHODOLOGY OF THE STUDY
Research as a mean of getting knowledge can be carried out either arbitrarily or in
a systematic fashion. It is a purposive investigation.
Research may be a mean to know the small change and time forced upon us as
individual or as a society. Research as process involves defining the problem,
formulating the hypothesis, organizing and evaluating the data, deriving inference
and conclusion after careful testing.
Data Collection
As data is required for any research activity, it is collected (for those both the
Primary and Secondary) as follows:
Primary Data:
I have collected this data through questionnaire.
Secondary Data:
This data is collected from different sources available consolidated from book
publication reports, websites where used as a source of secondary data in order to
do this project and to collect necessary data. I have used the manuals and leaflets
of the HDFC & S.B.I bank.
78
</li>
<li>
cb=1454603166" title="Title of the study:-
“Comparative Analysis of SBI & HDFC Ba..." target="_blank">
79.
</a>
Title of the study:-
“Comparative Analysis of SBI & HDFC Bank Regarding Personal Loan”
Duration of the Study:-
30 day from 1
st
May to 30
th
May
Objective of study
Primary: -
1. Analysis and evaluation of customer s satisfaction with respect to personal loan
performance.
2. To determine the main characteristic which customers look upon while taking
personal loan?
3. To determine the other bank those are competing with the same product rang in
personal loan.
Secondary: -
1. Service level and channel associate approach.
2. To find the level of brand awareness.
3. To find out the company market share.
79
</li>
<li>
cb=1454603166" title="Types of research:-
Primary data colle..." target="_blank">
80.
</a>
Types of research:-
Primary data collection
Through Questionnaire are filled by respondents.
Secondary data collection
Data collection through – Internet, Magazines.
Sample size & Method of selecting sample
Sample size-: 200 respondents
Method of selecting sample:- Convenience sampling , 100 customer
from each bank
Scope of study
i. Special area to be focused for increasing the sales and for sales
promotion activities to be adopted.
ii. To make product more innovative and easy to understand
iii. For providing maximum satisfaction to the customer by knowing their needs
and requirement about product and services.
iv. Steps to be taken at present for survival and facing the competition with other
equivalent product.
v. Continues improvement and for better management.
vi. Maintaining good relation between manager and customer.
80
</li>
<li>
cb=1454603166" title="Limitations of the study
.
4. The study was limited only Ja..." target="_blank">
81.
</a>
Limitations of the study
.
4. The study was limited only Jaipur city Hence findings may be differ from other
part
of country.
5. Many formalities and requirements during process of taking personal loan.
5.. Many times respondents were so busy that they didn‘t t give reply. There were
biased replies also.
FACTS AND FINDINGS
81
</li>
<li>
cb=1454603166" title="1. 45% customers are prefer the SBI Bank when taking
person..." target="_blank">
82.
</a>
1. 45% customers are prefer the SBI Bank when taking personal loan and only 30%
customers
prefer HDFC Bank.
2. Family members are creating more effect on decisions regarding personal loan.
3. Interest rate is main factor consider by customers when taking loan.
4. Most of the customer prefers the repayment of loan in higher duration.
5. Most of the customers consider the policies of bank regarding personal loan.
6. 50 % customer‘s give the higher rating to SBI Bank.
7. In HDFC Bank only 30 % customers give the higher rating to HDFC Bank
8Only governments employees are prefer the SBI Bank.
9. Similarly self employed & businessman‘s are prefer the HDFC Bank.
10 Low income class people face difficulty to taking personal loan
ANALYSIS AND INTERPRETATION
Sample size 100
Q.1 Type of customers.
82
</li>
<li>
cb=1454603166" title="SBI HDFC
Workin..." target="_blank">
83.
</a>
SBI HDFC
Working
c) professional 28 35
Govt.service
d) employee 40 25
45
40
35
30
25 SBI
20 HDFC
15
10
5
0
businessman self employed working govt.service
professional employee
a) b) c) d)
Interpretation:-
As per the study the govt. employees are main customers of SBI
bank and businessman are less minimum. On the other side working professional are
main customers of HDFC bank.
Q.2 Bank preference for personal loan.
a) HDFC 30
b) SBI 45
83
</li>
<li>
cb=1454603166" title="c) OTHERS 25
O T H E
H D F2 5 %
3 0 %
H D F C
S B I
O T H E..." target="_blank">
84.
</a>
c) OTHERS 25
O T H E
H D F2 5 %
3 0 %
H D F C
S B I
O T H E
S B
4 5
Interpretation:-
Maximum number of customers prefer SBI bank for taking
personal loan compare to HDFC bank bcoz of low interest rate, good image, and
public sector bank. 25% customers prefer other bank like ICICI, PNB, and Bank of
Broad.
Q.3 Sours of communication (From where customers get
the Information about bank).
a) Advertisement 30
b) Friend 25
c) Family member 35
d)
Others 84
10
</li>
<li>
cb=1454603166" title="Other
d)
10%
Fam ily m em
b c)
35%
A dvertis em e
a)
30% a)..." target="_blank">
85.
</a>
Other
d)
10%
Fam ily m em
b c)
35%
A dvertis em e
a)
30% a) Advertisemen
b) Friend
c) Fam ily m em b
d) Others
Friend
b)
25%
Interpretation:-
As per as my the study the family members are the main sources of
Communication about bank and advertisement is other sources. Family members
influence the decision related to taking personal loan.
Q.4 Factors consider by customers while taking loan.
a) Interest rate 70
b) Scheme 20
c) Duration 8
85
</li>
<li>
cb=1454603166" title="d) Others 2
Others
d)
2%
Duration
c)
8%
Scheme a) Interest ..." target="_blank">
86.
</a>
d) Others 2
Others
d)
2%
Duration
c)
8%
Scheme a) Interest rate
b)
b) Scheme
20%
c) Duration
Interest rate
d) Others
a)
70%
Interpretation:-
When any customers planning for taking personal loan from
any bank they mainly consider the interest rate of the particular bank and they
give
second preference to duration & schemes.
Q.5 Loan duration preferred by customers.
a) 2 years 12
b) 3 years 28
c) 4 years
24
86
More than 5 36
d) years
</li>
<li>
cb=1454603166" title="2 yer
a)
m ore than 12%
yers
a) 2 yersd)
36% 3 y er b) 3 ye..." target="_blank">
87.
</a>
2 yer
a)
m ore than 12%
yers
a) 2 yersd)
36% 3 y er b) 3 yers
b)
c ) 4 yers
28%
d) m ore than 5 y
4 yer
c)
24%
Interpretation:-
Maximum customers prefer the more than 5 years duration for
personal loan because of long duration monthly installment can be affordable by the
customers.
Q.6 Consideration on policies of bank regarding personal loan by customers.
a) YES 72
87
</li>
<li>
cb=1454603166" title="b) NO 28
NO
b)
28%
a) YES
b) NO
YES
a)
72%
Interpretation:-..." target="_blank">
88.
</a>
b) NO 28
NO
b)
28%
a) YES
b) NO
YES
a)
72%
Interpretation:-
As per the my study when any customers planning for taking
personal loan they consider the policies of bank regarding personal Customers want
to about the all formalities and close related with loan process.
Q.7 Rating of HDFC bank.
a) Good 44
b) Very good 30
c)
Average 88
26
d) Below average 0
</li>
<li>
cb=1454603166" title="b e lo w a ve r
d )
0 %
g o o
a ) 4
4 %
a ) g o o d
b ) ve ..." target="_blank">
89.
</a>
b e lo w a ve r
d )
0 %
g o o
a ) 4
4 %
a ) g o o d
b ) ve ry g o o
d
c ) a ve ra g
e
d ) b e lo w a ve
ve ry g
o b )
3 0 %
a ve ra
g c ) 2 6
%
</li>
<li>
cb=1454603166" title="Interpretation:-
According to my study 75% customers are ag..." target="_blank">
90.
</a>
Interpretation:-
According to my study 75% customers are agree that HDFC
bank is very good & good because of good services, more numbers of scheme.
Q.8 Rating the SBI bank.
a) Good 50
b) Very good 40
c)
Average
89 10
d) Below average 0
</li>
<li>
cb=1454603166" title="average below averag
c) d)
10% 0%
a) good
good
b) very good..." target="_blank">
91.
</a>
average below averag
c) d)
10% 0%
a) good
good
b) very good
a)
very good c) average50%
b) d) below averag
40%
Interpretation:-
90% of customers agree that SBI bank is very good & good.
because of good image, public sector bank, low interest rate. Compression to HDFC
bank more customers agree that SBI bank is very good.
Q.9 Over all preference on the basis of interest rate, image and scheme.
90
</li>
<li>
cb=1454603166" title="a) HDFC 35
b) SBI 65
HDFC
a)
35%
a) HDFC
b) SBI
SBI
b)
65%
..." target="_blank">
92.
</a>
a) HDFC 35
b) SBI 65
HDFC
a)
35%
a) HDFC
b) SBI
SBI
b)
65%
Interpretation:-
65% of customers prefer the SBI bank and 35 % prefer HDFC
bank on the basis of interest rate, image and schemes. The main reason is that the
SBI bank is public sector bank so customers trust on SBI bank more than HDFC bank.
91
</li>
<li>
cb=1454603166" title="Q.10 Comment on bank formalities regarding to personal
loan..." target="_blank">
93.
</a>
Q.10 Comment on bank formalities regarding to personal loan.
Interpretation:-
Maximum numbers of customers give the comment that the bank formalities should
be reduce. They agree that the bank formalities are very struck so it must be easy.
Some of the comments are follows
1. Reduce the loan formalities.
2. Bank formalities are very high.
92
</li>
<li>
cb=1454603166" title="SWOT ANALYSIS
Strengths:-
Brand Name:-
SBI Bank has earned ..." target="_blank">
94.
</a>
SWOT ANALYSIS
Strengths:-
Brand Name:-
SBI Bank has earned a reputation in the market over the period of
time(Being the oldest bank in India tracing history back to 1806)
Market Leader:-
SBI is ranked at 380 in 2008 Fortune Global 500 list, and ranked 219 in 2008
Forbes Global 2000. With an asset base of $126 billion and its reach, it is a
regional banking behemoth.
Wide Distribution Network:
Excellent penetration in the country with more than 10000 core branches and
more than 5100 branches of associate banks (subsidiaries).
Diversified Portfolio
SBI Bank has all the products under its belt, which help it to extend the
relationship with existing customer‘s Bank has umbrella of products to offer
their customers, if once customer has relationship with the bank. Some
Products, which SBI Bank is offering are: Retail Banking Business Banking
Merchant Establishment Services (EDC Machine) Personal loans & Car
loans Insurance Housing Loans
Government Owned:-
Government owns 60% stake in SBI. This gives SBI an edge over
private banks in terms of customer security.
Low Transition Costs-SBI offers very low transition costs which attracts
small customers.
Weaknesses:-
93
</li>
<li>
cb=1454603166" title="1. The existing hierarchical management structure of the
ba..." target="_blank">
95.
</a>
1. The existing hierarchical management structure of the bank,
although strength in some respects, is a barrier to change.
2. Though SBI cards are the 2nd largest player in the credit card industry, it
has the highest non performing assets (NPAs) in the industry, which stand out
to be at 16.28 % (Dec 2007).
3. Modernisation: SBI lags with respect to private players in terms
of modernisation of its processes, infrastructure, centralisation, etc.
Opportunities:-
1. Merger of associate banks with SBI: Merger of all the associate banks (like
SBH, SBM, etc) into SBI will create a mega bank which streamlines operations
and unlocks value.
2. Planning to add 2000 branches and 3000 ATMs in 2008-2009. This will
further increase its reach.
3. Increasing trade and business relations and a large number of expatriate
populations offers a great opportunity to expand on foreign soil.
Threats:-
94
</li>
<li>
cb=1454603166" title="1. Advent of MNC banks: Large numbers of MNC banks are
mush..." target="_blank">
96.
</a>
1. Advent of MNC banks: Large numbers of MNC banks are mushrooming in
the Indian market due to the friendly policies adopted by the government. This
can increase the level of competition and prove a potential threat for the market
share of SBI bank.
2 Consumer expectations have increased many folds in last few years and
the bank has not been responsive enough to meet them on time.
3 Private banks have started venturing into the rural and semi-urban sector,
which used to be the bastion of the State Bank and other PSU banks
4. Employee Strike: There was an employee strike in the year 2006 which
disrupted SBI‘s activities. This can be repeated in the future.
SWOT ANALYSIS OF SBI BANK
95
</li>
<li>
cb=1454603166" title="STRENGTH WEAKNESSES
 MAR..." target="_blank">
97.
</a>
STRENGTH WEAKNESSES
 MARKET LEADER  HIGHER NPA
 GOVERNMENT OWNED.  CUSTOMER HAVE NOT FULL
 DIVERSIFIED PORTFOLIO INFORMATION ABOUT GETTING
FACILITIES
OPPURTUNITIES THREAT
 HIGH APPROCH OF ATM  EMPLOYEE STRIKE
 2000 BRANCHES COMING ON  OTHER NATIONALIZED BANK
VARIOUS LOCATION AND PRIVATE BANKS
 MERGED WITH ASSOCITED  ADVENT OF MNC BANK
BANK
SWOT ANALYSIS OF HDFC BANK
96
</li>
<li>
cb=1454603166" title="STRENGTH WEAKNESSES
 PRODUCT..." target="_blank">
98.
</a>
STRENGTH WEAKNESSES
 PRODUCT FEATURES  MAINTENANCE CHARGES HIGH
 WORK ENVIRONMENT  HIGH INTEREST RATE
 LOW DOCUMENTATION  CUSTOMER HAVE NOT FULL
INFORMATION ABOUT GETTING
FACILITIES
OPPURTUNITIES THREAT
 MERGED WITH CENTURIAN  SBI BANK
BANK  OTHER PRIVATE BANK
 1300 BRANCHES COMING ON (ICICI,AXSIS etc)
VARIOUS LOCATION
 NAME AND LOGO WILL BE NEW
CONCLUSION
Areas in Research:-
In my report I have tried to show the basic different between the Personal Loan
of HDFC & SBI Banks. Both the Banks are good in terms of customer
satisfaction‘s has an edge because it is the leading Government regulated bank
in India. HDFC is new to this segment (when compared to SBI) .SBI is
97
</li>
<li>
cb=1454603166" title="preferred because it‘s a government bank. Procedure of
loan..." target="_blank">
99.
</a>
preferred because it‘s a government bank. Procedure of loan financing is easy
in HDFC Bank. Family members & increasing standard of living plays an
important role in influencing the decision of taking home loan.
1. SBI Bank is Leading Bank in the country, it provides a variety of products and
services to different segments of customers.
2. The Bank aims to serve customers from teenagers to senior citizens, hence
different products designed to suit specific requirements of the above.
3. Aims to serve all classes of the society from the salaried middle class to the
high
income business class. Customers are categorized and segmented according to their
requirements and needs.
For Example , the Saving Regular and Plus Account aims to serve middle class
customers so minimum balance required to be maintained is RS.5,000/- or RS. 10000.
While the Saving Max Account is targeted at high income customers, the minimum
balance requirement is RS.25,000.
4. SBI Bank provides personal loan at low interest rate which good for customers.
5. The Bank prides itself with the ability to provide differentiate products in the
crowed
market of saving accounts. Bank offers free insurance, special co-branded debit
cards
which makes it‘s product unique.
APPENDIX
Personal Details:
Name: - _____________________________________________
Address: -
____________________________________________________________________
98
</li>
<li>
cb=1454603166"
title="___________________________________________________________..."
target="_blank">
100.
</a>
____________________________________________________________________
____
Age: - __________________ contact no: - __________________
(1) Profile of respondent
(a) Businessman (b) Self employed
(c) Working professional (d) Government Service Employee
(2) Which bank would you prefer for personal loan?
(a) HDFC Bank
(b) SBI Bank
(c) Others
(3) What make you believe to take the personal loan from any particular bank?
(a) Advertisement (b) friend
(c) Family member (d) others
(4) What will you consider while taking loan?
(a) Interest rate (b) scheme
(c) Duration (d) others
(5) For what time interval you have taken loan?
(A) 1-2 years (b) 2-3 years
(c) 3-4 years (d) more than 4 years
99
</li>
<li>
cb=1454603166" title="(6).Do you fully consider the policies of the bank
regardin..." target="_blank">
101.
</a>
(6).Do you fully consider the policies of the bank regarding personal loan ?
when
taking loan.
(a) Yes (b) no
(7).Rate the hdfc bank among following on the basis of bank scheme and
services?
(a) Good (b) very good (c) average (d) below average
(8).Rate the sbi bank among following on the basis of bank scheme and
services?
(a) Good (b) very good (c) average (d) below average
(9).How will you see the formalities of the bank while taking the personal loan?
Comment
(10) On the basis of interest rate, services, image, scheme. Which bank you
prefer HDFC & SBI and why?
BIBLIOGRAPHY
MAGAZINES
100
</li>
<li>
cb=1454603166" title=" Business world 

NEWSPAPER
 Economi..." target="_blank">
102.
</a>
 Business world 

NEWSPAPER
 Economic times 

 Times of India 

 The Hindu 
WEBSITES
 www.hdfcbank.com 

 www.sbibank.com 

 www.google.com 
KNOWLEDGE THROUGH T.V.:-
Watched Ad‘s of Both the Banks, they helped us in Knowing about the banks &
raised
our interest in the topic. This Ad‘s were the first source of information about the
banks.
They helped in choosing the topic.
TELEVISION
 NDTV PROFIT 

 ZEE BUSINESS 

 TIMES NOW 

 IBN7 
101
</li>
</ol>
</div>
</div>
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<p>This project report has been prepared as per the requirement of the
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MBA course structure under which the students are the required to
undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
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