Group 5

1
 Deposit Trends
2018 2017
Trends Observed
• Deposit rates are increased as RBI increased repo rate by 25bps
hence deposit rates are increased by 13bps in 2018.
2599811Cr • In November- December 2016 the deposits were high as after
2722178Cr demonetization people high denomination currency notes.
• After that YOY growth was reduced as people refrain from
Retail 2039146 Cr 74.90% 1946588 Cr 74.87% depositing money in banks due lack of sufficient currency in
market.
Wholesale 586270 Cr 21.53% 597890 Cr 22.99% • The YOY growth in deposits has reduced in last 2-3 years.
• SBI chairman Rajnish Kumar said that rate of interest for other
products like mutual funds are better than term deposits this is
one of the reason for the reduction in YOY growth in deposits.

There are four segments in SBI

122367 • Treasury Deposits
• Retail Deposits
Cr • Wholesale Deposits
4.68% YOY • Other banking operations

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 % of Loans/Advances
Comment on Trends:
Retails advances are growing due to technology
usage like Ml, AI, etc. Advances to large & mid International Advances
corporate and international advances are Growth of 5.51%
growing due to their opportunity spaces which
are increasing to due increasing FDI & FPI. But
YoY from Rs.
2,86,219 Cr as on 05
Agri loans have declined due to government Mar 17 to Rs.
subsidiary and loan wavier benefit. 3,01,998 Cr as on
Mar 18.

Personal Retail Advances

Growth of 13.55% YoY from
Rs.4,81,386 Cr as on Mar 17 to
Rs. 5,46,594 Cr as on Mar 18
02 04
03 Advance to Large & Mid Corportaes
Growth of 1.80% YoY.
Agri Advances
Gross Advances Dipped by 1.58% YoY from
Growth of 4.91% YoY
from Rs. 19,52,507 Cr 01 Rs.1,91,265 Cr as on Mar
17 to Rs. 1,88,251 Cr as on
as on Mar 17 to Rs. Mar 18.
20,48,387 Cr as on
Mar 18.
3
 Domestic Banking Subsidiaries

Bank Stake
State Bank of Bikaner &
Jaipur
State Bank of Mysore
State Bank of Hyderabad
State Bank of Patiala
State Bank of Travancore –
• SBI acquired the control of seven banks in 1960. They were
75.07 % the seven regional banks of former Indian princely states.
They were renamed, prefixing them with 'State Bank of'.
90%
• These seven banks were State Bank of Bikaner and
100%
Jaipur (SBBJ), State Bank of Hyderabad (SBH), State Bank of
Indore (SBN), State Bank of Mysore (SBM), State Bank of
Patiala (SBP), State Bank of Saurashtra (SBS) and State Bank
100%
of Travancore (SBT). All these banks were given the same
logo as the parent bank, SBI.
79.09 %

• The plans for making SBI a single very large bank by merging the associate banks started in 2008 . On 15 February
2017, the Union Cabinet approved the merger of five associate banks with SBI.

• The State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State
Bank of Travancore, and Bharatiya Mahila Bank were merged with State Bank of India with effect from 1 April 2017.

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 13. Macquarie SBI Infrastructure Management. Pte. Limited - 45%
Non-Banking Subsidiaries/ 14 .SBI Macquarie Infrastructure Management Private Limited – 45
Joint Ventures %
15. SBI Macquarie Infrastructure Trustee Private Limited -45 %
SBI Capital Markets Limited - 100 % 16. Oman India Joint Investment FundManagement. Co. Private
• SBI CAP Securities Limited Limited - 50%
• SBI CAP Ventures Limited 17. Oman India Joint Investment Fund-Trustee Co. Private Limited -
• SBI CAP (UK Limited) 50%
• SBI CAP Trustees Co. Limited 18. SBI Foundation – 100%
• SBI CAP (Singapore Limited)
1. SBI DFHI Limited – 63.78% Foreign Banking Subsidiaries / Joint
2. SBI Payment Services Private Limited – 100%
3. SBI Mutual Fund Trustee Company Private Limited Ventures
– 100%
4. SBI Global Factors Limited - 86.18%
5. SBI Pension Funds Private Limited – 60% 1. State Bank of India (California) -100 %
6. SBI Funds Management Private Limited – 63% 2. SBI Canada Bank – 100%
7. SBI Cards & Payment Services Private Limited – 3. Commercial Indo Bank LLC Moscow - 60%
60%
4. SBI Mauritius Limited – 96.6%
8. SBI Life Insurance Company Limited - 74%
9. SBI-SG Global Securities Services Private Limited –
5. Bank SBI Indonesia – 99%
65% 6. Nepal SBI Bank Limited – 55.10%
10. SBI General Insurance Company Limited – 74% 7. Bank SBI Botswana Limited – 100 %
11. . C-Edge Technologies Limited - 49% 8. Bank of Bhutan Limited - 20%
12. GE Capital Business Process Mgt. Services Private
Limited – 40% 5
 Innovations in SBI
A very successful collaboration with
HackerEarth, for Code for Bank and
Digitization for Bank. One of the first
banks in the world to service virtualize
their APIs and to offer APIs on the fly..
The chat assistant, known as SBI Intelligent
Assistant, or SIA, launched by Payjo in Sep
2017 help customers with everyday banking
tasks just like a bank representative. It is
powered with AI technology. It also started
YONO app in 2017 for financial and lifestyle
products to customers.
IT innovation centre in Navi Mumbai is a
15,000-sqft centre that will have 40 dedicated
zones for each technology like blockchain,
artificial intelligence and machine learning,
among others. 5% of the IT budget goes to
innovation.
The bank offers a totally technology-driven
cash management product, based on the
satellite-linked SBI FAST (for Funds
Available in the Shortest Time) platform that
connects 722 centers spread across the
country.
Launched an ‘IT Innovation Start-up
Engagement Programme’ to encourage
IT start-ups to leverage the benefits of
“Digital India” and “Make in India’
programs.
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 LATEST ANNOUNCEMENTS
Specific to the area of affordable
housing, “SBI Grih Nirman
Affordable
Housing Project Finance
Scheme” has been
launched to tap the
emerging potential for
financing affordable Your Bank is issuing SBI FASTag,
Housing Projects and is working on Radio Frequency
especially geared towards Identification technology (RFID) which
first-time home buyers. enables the customers to pay the toll
electronically across all the National
Highway Toll plazas. Using SBI FASTag
customers can pay their toll
The historic merger of SBI with its five electronically and can top up/recharge
Associate Banks and their SBI FASTag wallet online through a
Bhartiya Mahila Bank Ltd. on 1stApril, dedicated portal using cards or net
2017, to enhance the productivity, banking of any bank.
mitigate
geographical risks, increase operational
efficiency and
drive synergies across multiple
dimensions while ensuring increased
levels of customer delight.
7
 https://www.sbi.co.in/AR1718/assets/PDF/English/7%20Financial%20Statement.pdf – pg no 141,155

Bibliography 02 https://www.sbi.co.in/webfiles/uploads/files/Analyst_PPT_FY18.pdf - slide no 42

https://timesofindia.indiatimes.com/business/india-business/deposit-rates-to-rise-faster-than-interest-on-retail-
loans/articleshow/65299251.cms
https://www.financialexpress.com/industry/banking-finance/matter-of-concern-bank-deposit-growth-lags-for-a-
year/1307878/

https://www.sbi.co.in/portal/documents/44589/103002369/1Analyst+PPT+9MFY18.pdf/6a14f626-2919-

03 40f4-af41-5f3dfd7ea38e (slide 4-7)

https://www.sbi.co.in/portal/documents/44978/103828889/22+May+-+SBI+Results+FY17-18/71eecf58-
661c-457c-8270-fe3d7f58eeeb (pg.2)

4-5 https://www.sbi.co.in/AR1516/PDF/1%20-%20About%20US.pdf – page no 9

https://www.livemint.com/Industry/68ipadKiLQwxGUKTxXd3pL/SBI-launches-chatbot-to-help-customers-in-banking-

06 services.html
https://www.hackerearth.com/innovation/customers/state-bank-of-india/

https://economictimes.indiatimes.com/state-bank-of-india/chairmanspeech/companyid-11984.cms

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