Index

Sr.no.
1
2
3
4
5

Particular
Introduction of Bank
History of Banking in India
Overview of bank
Banking sector of india
Types of bank

Page
no.

Introduction
Introduction

A bank is a business, which provides financial services for profit.

Traditional banking services include receiving deposits of money, lending money

& processing transactions. Some banks (called banks of issue) issue banknotes as
legal tender. Many banks offer ancillary financial services to make additional
profit.
For example: - selling insurance products investment products or stock broking.
Currently in most jurisdictions, the business of banking is regulated and bank
required permission to trade. Authorization to trade were granted by bank
regulatory authorities and provides rights to conduct the most fundamental
banking services such as accept deposits and make loan. There is also financial
institution that provides banking services without meeting the legal definition of a
bank.
Traditionally, a bank generates profits from transactions fees on financial
services and from the interest, it changes for lending. In recent history, with
historically low interest rates overdraft fees and riskier investment provide
limiting bank ability to earn money by lending deposited funds, much of a banks
income. The name bank derives from the Italian word banco, desk, used during
the renaissance by Florentines bankers, who used to make their transactions
above a desk covered by a green tablecloth.

History of Banking in India

Without a sound an effective banking system in India, it can not have a
healthy economy. The banking system of India should not only be hassle free but
it should be able to meet new challenges posed by the technology and any other
external and internal factors.
For the past three decades, Indias banking systems has several outstanding
achievements to its credits. The most striking is its extensive reach. It is no longer
confined to only metropolitans or cosmopolitans in India. Infect, Indian banking
system has reached even to the remote corners of the countries. This is one of the
main reasons of Indias growth process. The governments regular policy for
Indian bank since 1969 has paid rich dividends with the nationalization of 14
major private bank of India.
Not long ago, in account holder had to wait for hours at the bank counters for
getting a draft or for withdrawing his own money. Today, he has a choice. Gone
are days when the most efficient bank transferred money from one branch to
other in two days. Now it is simple as instance massaging or dials a pizza. Money
has become the order of the day.

The first bank in India, though conservative, was established in

1786. From 1786 until today, the journey of Indian banking system can be
segregated into three distinct phases. There as mentioned below:
early phase from 1786 to 1969 of Indian banks
Nationalization of Indian banks & up to 1991 prior to Indian
banking sector reforms.
New phase of Indian banking system with the advent of Indian
financial and banking system reforms after 1991.
To make this write up more explanatory, I prefix the scenarios phase
and phase three.
The general bank of India has setup in the year 1786.

Bank
Overview

Basic information

Name of the bank:

State Bank of India (Bhader)

Establishment year:

16th February 1972

Address:

To,liliya
Ta- liliya mota
Dist-Amreli

Branch code:
Phone no.:

2634
(02797)237422
(02797) 238233

Website:

www.statebankofindia.com

E-Mail:

sbi.02634@sbi.co.in

RBI License No.:

BLG.76/72

Accounting year:

April to march

Banking Time:

10:30 to 6:30 pm

Banking sector in India

Banking sector in India:
The importance of banking as the sector of economic
development can not be over emphasized. Banking industry has acquired a key
position in mobilizing resources and for socio-economic development of the
country. It is said that bank which are that need and great wealth of our country
have go to be kept very sacred. Just as water is for irrigation, good banks are for
the countrys industry and trade. Since the beginning of planning in India
banking industry has growth not only in size but also in depth this industry has
become one big complex.
Today banks have become a part and parcel of our life.
It was the time when the dwellers of city alone could enjoy their services. Now
banks offer access to ever a common man and their activities extends to areas
either to untouched and after the globalization and liberalization policy of India,
many foreign banks have entered in Indian market with different services and
innovation technologies. Apart from their traditional business oriented function,
they have now come out to fulfill national responsibilities, industrialist, traders,
women student and to all other sections of the society. Thus they accelerate the
economic growth of a country and steer the wheel of the economy towards its
goal of self reliance in all field. Hence today banking sector has becomes the
lifeline of the economy.

Types of Bank

Banks activities can be characterize as retail banking, dealing

directly with the individuals and small businesses and investment banking,
relating to activities on the financial market. The most banks are profit making
private enterprises. However, some are owned by government are non profit
making.
In some jurisdiction, retail and investment activities are or have been
separated by law.
Central bank is noncommercial bodies or government agencies are change
with controlling interest rates in money supply across the whole economy. The
act as a lender of last resort in event of crises.
TYPES OF RETAIL BANKS
Commercial bank :The term used for a normal bank to distinguish it from an investment bank.
After the grate depression, the US congress required that banks only engaged in
banking activities where as investment banks were limited to capital market
activities. Since the two no longer have to bank or a division of a bank that
mostly deal with deposits and loans from corporation or large businesses.

 Community bank :Locally operated financial institutions that empower employees to make local
decision to serve their customers.
Community development banks :Regulated banks that provide financial services and credit to under serve
markets or population.

INDEX
Sr_no.

Particular

Page
no.

1
2
3
4
5
6
7

History & development of SBI

mission
Board of Director
Managing Body of Branch
Organization Chart
Organization Structure of Branch
Award & Accolades

10

History & Development of SBI

State bank of India is the largest bank in India. It is also,

measured by the number of branch offices and employees, the largest bank in the
world. Established in 1876 as the bank of Bengal, it remains the oldest
commercial bank in the Indian subcontinent and the most successful one
providing various domestic, international NRI products and services through its
vast network in India and overseas. With an asset of and 126 billion and its reach,
it is a regional banking. the bank was nationalized in 1955 with the reserve bank
of India having a 60% stake. It has laid emphasis on reducing the huge work
force through golden handshake scheme and computerized its operations.

ROOTS:
The roots to the state bank of India are traceable to the first
decade of 19th century, when the bank of Calcutta, later renamed as the bank of
Bengal, was established on 2nd June 1806. The bank of Bengal and two other
presidency banks, namely the bank of Bombay (incorporated on 15th April 1840)
and the bank of madras (incorporated on 1 July 1843) were amalgamated on 27 th
January 1921, and the reorganized banking entity was named the imperial bank of
India.

11

All these presidency banks were incorporated as joint stock companies, &
were the result of the royal charters. The imperial bank of India continued to
remain a joint stock company. Until the establishment of a central bank in India,
the imperial bank served as the nations central bank printing currency.
The reserve bank of India, which is the central banking organization of
India, in the year 1955, acquired a controlling interest in the imperial bank of
India & imperial bank of India was characterized on 30 April 1955 as the state
bank of India. This acquisition of the controlling interest was done pursuant to the
provisions of the state bank of India.
Introduction
It was a time when a function of the banks limited to the collection saving
from the public & lending to the people who are in of money. But in modern age,
now its not like that, in modern time banks have become the important part of
the colony due to the only expansion in the function. One reason for development
in the banking function is that the developing of the market banks they have to
develop their services.
The modern function or the services provided by the banks are as follows:

To collect spare funds from peoples saving & pay they interest.

12

 To make these funds available to the businessman & industrialist as

loan & advances. They charge interest from them.

They also help in assisting international trade by arranging exchange of

currency to another one.

Banks render services for the welfare & development of weaker section
of the society, they help in setting up small industries, cottage etc.

Banks help farmer to buy tractors & other agricultural equipments,

middle class people to by home appliance like T.V. & provide finance for house.
In state bank out of these services are being served. Not only that but
also they are providing ATM facility, Cash card facility, demand draft facility and
many other service.

13

Mission

How can I translate it in to reality in present role?

Profit earning & business

Provide to small customer, better services

Services to the common man.

Emerge as a symbol of public trust & confidence by creating a

positive image.

Maintain excellence in operation & management by bringing in

transparency & integrity.
Ensure speedy & satisfactory customer services through continuous
product innovation & aggressive marketing

14

Bord of Director

Shri O.P. Bhatt- Chairman

Shri S.K. Bhattacharyya- MD & CC&RO
Shri R. Sridharan- MD & GE (A&S)
Dr. Ashok Jhunjhunwala
Shri Dileep C. Choksi
Shri S. Venkatachalam
Shri. D. Sundaram
Dr. Deva Nand Balodhi
Prof. Mohd. Salahuddin Ansari
Dr.(Mrs.) Vasantha Bharucha
Dr. Rajiv Kumar
Shri Ashok Chawla
Smt. Shyamala Gopinath

15

Managing Body of Branch

Branch manager

B.V.Bodar

Branch Assi. Manager

Raj Kumar

Branch Assi. Manager

S.P.Trivedi

Branch Accountant

Raj Kumar

Clerk

V.M.Jadeja

Peon

H.P.Sadia

Peon

U.J.Jani

16

ORGANIZATION CHART
Chairman

Vice Chairman

Executive Director

Managing Director

Senior General Manager

Chief Financial
Accounting and
Taxation Group

General Manager
Officer and Treasurer

Assistant Financial
Officer
Account Manager

Assistant

17

Organization Structure

Chairman

Vice Chairman

Managing
Director

General
Manager

Assi. General
Manager

Manager

Clerk

Peon

18

Awards

STATE BANK OF INDIA HAS BEEN AWARDED THE BEST BANK OF THE
YEAR 2008 INDIA BY THE BANKER MAGAZINE, LONDON

State Bank of India also improved its ranking in Fortune 500 Global

List,
Forbes list of 2000 largest companies in the world, Banker

list of top

1000 world banks, Brand Finance Global 500 Financial Brand recognition.

Most Admired Infrastructure Financier Award by KPMG,

Top Public Sector Bank under SME Financing by Dun and

Bradstreet

The Bank was voted, for the third year in a row, as the Most

Preferred

Housing Loan and Most Preferred Bank in the CNBC AWAAZ

Consumer

19

Awards in a survey conducted by CNBC TV18 in association with

AG Nielsen &Company.

The Bank was also awarded the Best Home Loan Provider as well as

The Best Bank by Outlook Money Awards, 2008.

SBI has been rated as the Best Public Sector Bank for Rural Reach by

Dun & Bradstreet.

First under "National Awards for excellence in lending to

Micro Enterprises".

Second under "National Awards for Excellence in MSE Lending".

The Bank was also presented an award for outstanding

Performance in the area of finance to SMEs by Dun & Bradstreet.

State Bank of India Voted THE BEST BANK in Cash Management

Services in local currency by Asia Money.

State Bank of India wins 2 awards for Best Rural Banking Initiative

and Best IT Architecture

20

TIME KEEPINKG SYSTEM

The SBI has no separate department for time keeping system
headed by manager or officer. The SBI has identity card system for
all those are related with the bank like managers, offices, clerks and
peons all must sign the attendance register these are send to
general manager of the bank.
THE TIME OF WORKING OF THE BANK:
Monday to Friaday

8:00 a.m. to 6:00 pm.

Saturday

10:00 a.m. to 3:00 p.m.

21

22

THEORITICAL CONCEPT
Meaning of Loan
Advantages of Loan System..
Limitation of Loan System....
Types of Loan.
Procedure of Loan ....
Bank provides various types of Loan..
Details of Loan...
Comparatives of Loan

23

MEANING OF LOAN
The granting of advance is one of the most important functions of
bank and bankers strength depends considerably on the quality of
its advances and the proportion they bear to total deposit. In the
money lending business, the moneylender carefully consider the
chance of its being repaid by the borrower. He therefore does not
normally depend on the obligation of the borrower alone but wants
some tangible securities to safe guard his advance in case the
borrower is unable to meet his obligation. The most important
qualification of a successful banker is always has been his ability to
judge a character and credit worthiness of his customer.

Loan is a method of lending under which bank

gives credit to a borrower for a fixed period & for a specific
purpose. Many times, a borrower needs fund for fixed assets or
nonrecurring type of activities & thus seeks money from the bank,
which can be withdrawn in one lamp sum.
The loan amount is normally repaid in
installments. Loan may be short, medium term or long term. Longterm loans are generally taken for meeting the capital investment
requirement. Such loans are also meant for meeting for fixed &
working capital requirement of a borrower, if is called a composite
loan.
In other words When a banker makes an
advance in a lump-sum which can not be paid whole or partly and
which the customer has facility to repay subsequently, it is called a
loan.

24

Loans are classified in to two:

Secured Loan
Unsecured Loan
According to section 5(n) of regulation banking act 1949 as a secured loan
means,
1. Secured Loan:Secured Loan means a Loan mode on the security of
assets. The market value of which is not at any time less than the
amount of such loan.
2. Unsecured Loan:An Unsecured Loan means a Loan not so secured. A
partly covered loan is partly covered by the security of assets, the
market value of such securities being less than the amount that has
been lent or outstanding at any time.

25

ADVANTAGES OF LOAN SYSTEM

1.

Periodic review of local account:-

Whenever any loan is granted or its renewal is sanctioned

the banker gets an opportunity of automatically reviewing the loan
a/c. Unsatisfactory loan a/c may be discontinued at discretion of
banker.

2. Financial discipline on the borrower:As the time of repayment of the loan or its installments is
fixed in advance, this system ensures a greater degree of selfdiscipline on the borrowers as compared to the cash credit system.

3. Profitability:The system is comparatively simple interest accrued to the

banks on the entire amount lent to a customer.

26

LIMITATION OF LOAN SYTEM

1. Inflexibility:Every time a loan is required, it is to be negotiated
with the banker. To avoid it borrowers may borrow in excess of
their expect requirements to meet any contingency.
4.

Indistinct period:Though the loans for fixed period, but in practice they
roll over i.e. they are renewed frequently.

5.

Complexity for document:Loan documentation is more comprehensive as compared

to cash credit system.
6.
Abuse of funds:Banks have not control over the use of funds borrowed by
the customers. However, banks insist on hypothecation of the assets
purchased with loan amount.

27

Disbursement of loan

TYPES OF LOAN
1. Personel Loan
2. Home Loan
3. Two wheeler Loan
4. New Car Loan
5. Loan Against Gold
6. Overdraft Against Jwellery
7. Education Loan
8. Working Capital Loan
9. Overdraft Against Salary
10. Loan Against property

28

DETAILS OF LOAN

Borrow up to Rs 15,00,000 for any purpose depending on your

requirements.
Flexible Repayment options, ranging from 12 to 60 months.
Repay with easy EMIS .
One of the lowest interest rates.
Hassle free loans - No guarantor/security/collateral required.
Speedy loan approval.
Convenience of service at your doorstep.

29

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.
Particular
Personal Loan

Margin
35%

Interest Rate
15%

Rebate
1%

Performance on Personal loan: Year

2009

2010

Mortgage loan

19,96,633

19,48,920

30

Home loans for individuals to purchase (fresh / resale) or

construct houses. Application can be made individually or jointly.
SBI finances up to 85% maximum of the cost of the property
(Agreement value + Stamp duty + Registration charges) based on
the repayment capacity of the customer.
Particular

Margin

Interest Rate

Home loan
15%
Performance on Housing loan: Year
Home loan

1%

2009

2010

11,59,218

42,94,669

31

Rebate

Flexible repayment options, ranging from 12 to 48 months available

even at the point of purchase.
Repay through post-dated cheques with easy EMIS.
Hassle free loans - No guarantor required.
Speedy loan approval.
Available for almost all models at attractive interest rates.
Free gifts from time to time on approval of your Two Wheeler Loan.

32

Documentation
Proof Of Identity :
Any one of Passport Copy/ Photo Credit card- front &
reverse/ Voters ID card/ Driving Licence/ PAN card/ Copy of
Company ID card of MNC/ Public Ltd./ PSU/ Govt. company/
Ration Card (If Photo is given).
Address Proof :
Any one of Passport Copy/ Voters ID card/ Driving
License/ Rental agreement/ Telephone Bill/ Electricity bill/ Gas
Connection Bills/ Ration Card/ Sale deed/ Property purchase
agreement/ Credit Card billing statement (latest)/ LIC policy/ Letter
from Company or Company provided Accommodation (List of the
company's as per the Banks List- ID card of MNC/ Public Ltd.,/
PSU/ Govt. Company Containing the residence address), Address
proof in the name of the applicant's Spouse or parents name is
acceptable.
Particular
Two wheeler
loan

Margin
-

Interest Rate
15%

Rebate
1%

Performance on Two Wheeler Loan:Year

Two Wheeler Loan

2009
3,99,89,741

33

2010
3,27,70,839

 Covers the widest range of cars and multi-utility vehicles in India.

Avail 100% finance on your favourite car.**
Flexible repayment options, ranging from 12 to 84 months.
Borrow up to 3 times your annual salary (for salaried professionals)
and 6 times your annual income (for self employed professionals)*.
Speedy processing - within 48 hours.
Repay with easy EMIs.

Particular
Car loan

Margin
20 %

34

Interest Rate
13 %

Rebate
1%

Performance on Car Loan:Year

Vehicle Loan

2009
17,38,59,415

2010
25,39,49,358

Security:Bank provides loan against equitable mortgages & against

hypothecation.

Documents: All basic documents

Two photos of loan applicant.
A Xerox copy of rationing card electricity bill, telephone bill, driving
license, house tax bill.
A copy of estimation cost of vehicle of authorized dealer.
Income proof & evidence.
Two guarantors for loan applicant.
A photocopy of city survey, showing the entry of the property.
10 % F.D. on accepted Loan.

35

Avail Loan upto Rs.10,00,000 & upto 85% of value for any
purpose*
Safety & Security of your Gold Jewellery
Loan processed in 30 Minutes
ATL - Anytime Liquidity
No EMI, Service only Interest and enjoy the Loan facility
Lower Interest Rates - Your savings can be Invested in several
Investment Avenues
If you are an SBI customer, we have special rates for you

36

Documentation
Proof of Identity (Passport Copy/ Voters ID card/ Driving
License).
Address Proof (Ration card/ Tel, Electricity. Bill/ Rental Agr. /
Passport copy/Trade license /Shop & Est License./Sales Tax
certificate).
Signature Proof (Passport Copy/Driving License/Banker's
verification/cheque)

Particular

Margin

Loan Against gold

Interest Rate

Rebate
-

13%

Performance on Loan against Gold: Year

Loan Against Gold

2009

2010

80,61,703

78,15,629

37

Loan up to 70% of value

Loan up to Rs. 20 Lacs*

Attractive rate of interest

No monthly installments

Quick processing of loan

Simplified documentation

Interest charged only on utilization.

Particular

Margin

Interest Rate

38

Rebate

Gold Jwellery Loan

Up to 5 lacks 13%
Above 5 lacks 12%

1%

Performance on Cash credit: Year

Gold Jwellery loan

2009
19,34,10,721

2010
19,69,76,495

Documents: All basic documents

Firms last three years balance sheet & income tax return copy.
Evidence of other income of proprietor or partner.
Director signature.
To include certificate of company registration and articles of
Association if applicant is private limited company.
Statement of last six month of firms account in bank or other banks.

39

SBI education loans pleased to offer student loans with special

features for the students who have secured admission in Premier
Institutes

Particular

Margin

Interest Rate

Education Loan

Rebate

Plus 2% over the

Educational

40

Performance on Education Loan: Year

Education Loan

2009
1,98,55,385

2010
1,34,71,652

Education Abroad
Student Loans Upto Rs. 20 Lakhs for education Abroad
Unsecured Lending Upto INR 7.5 Lakhs
No Collateral Or Third Party Guarantee
Wider Range Of Collateral For Loans Above INR 7.5 Lakhs
Residential Property
ANSB Bank Fixed Deposit
LIC/NSC/KVP
Gold
Loan available upto tenure of 7 years including moratorium
period
Repayment to start 1 year after course completion / 6 months
after obtaining employment (whichever is earlier)

41

 Overdraft limit up to 3 times the salary.

Minimum documentation.
No pre-closure charges.
Easy-to-use and easy-to-pay facility.
Freedom to use limit through Cheque book, ATM, online
transfer, etc.
Interest payable on the amount utilized.
Credits in the account set-off utilisation and help save interest.
Easy documentation.
Limit will be set on the existing account.

Documents: All basic documents

Personnel information of applicant as well as two guarantors.
Bank requires certificate of degree.

42

Particular

Margin

Interest Rate

Rebate

Overdraft
against Salary

25 % to 40 %

11 %

1%

Performance on Overdraft against Salary: Year

2009

2010

Overdraft against
Salary

8,49,407

83,20,948

43

 Loans from Rs. 2 Lacs onwards depending on your needs.

Borrow up to 50% of market value of the property.
Flexibility to choose between an EMI based loan or an Overdraft
- We also offer to you overdraft against your self-occupied residential or
commercial property and you save money by paying interest only on the
amount utilized!
High tenure loans for ease of repayment.
Attractive interest rates.
Simple and speedy processing.
Specially designed products for Self Employed.

Particular

Margin

Interest Rate

Loan Against
Propert
y

15%

44

Rebate
1%

Performance on Loan Against Property:Year

2009

Loan Against
Property

2,75,65,343

2010
2,66,44,964

Documantation
1. Salaried Individuals
2. Self Employed
(1)
Salaried Individuals :Proof of Residence - Any one of Ration Card / Telephone Bill /
Electricity Bill / Voters Card.
Proof of Identity - Any one of Voters Card / Drivers License /
Employers Card
Latest Bank Statement / Passbook (where salary / income is
credited for past 6 months).
Latest 3 M Copies of all Property Documents onths Salary Slip
with all deductions & last 2 years Form 16.
Copies of al) l Property Documents 6.
(2) Self Employed :Certified Financial Statement for the last 2 years.
Proof of Residence - Any one of Ration Card / Telephone Bill /
Electricity Bill / Voters Card.
Proof of Identity - Any one of Voters Card / Drivers License /
Employers Card.
Latest Bank Statement / Passbook (where salary / income is credited
for past 6 months).

45

Total Loans SanctionedBy

ANSB Bank LTD. (in cr.)
Loan Type

2007

2008

2009

2010

Personal Loan

6.45

5.15

2.75

2.66

Home Loan

5.11

9.27

17.38

25.39

Two wheeler Loan

18.73

20.66

19.34

19.69

Car Loan

2.65

2.46

1.98

1.34

Loan Against Gold

0.45

0.32

0.28

0.18

Overdraft Agenst
Jwellery

3.54

5.45

10.03

8.39

Education Loan

0.34

0.20

0.85

0.83

Working Capital Loan

1.78

3.64

3.99

3.28

Overdraft Against
Salary

0.03

0.06

0.008

Loan Against Salary

0.76

0.71

0.80

0.78

46

1) Personal Loan:Loan Type

2007

Personal Loan

2008

6.45

5.15

2009

2.75

2010

2.66

(Rs. In Crore)

Personal
Loan

(Rs.in
Crore)

8
6
4
2
0
Personal
Loan

2007

2008

2009

2010

6.45

5.15

2.75

2.66

Year
n:The chart shows that in 2008-09 the Personal Loan are sanctioned
of Rs. 2.75 Crore and in 2009-2010 the Personal loan are
sanctioned of Rs.2.75 Crore. By doing comparison the amount
of loan not increase or decrease.

2) Home Loan:47

n
t
e
r
p
r
e
t
a
t
i
o

Loan Type

2007

Home loan

2008

5.11

9.27

2009

17.38

2010

25.39

(Rs. In Crore)

Home
loan

(Rs.in
Crore)

3
0
2
5
2
0
1
5
1
05
0
Home
loan

2007

2008

2008

2010

5.1
1

9.2
7

17.3
8

25.3
9

Yea
r

Interpretation:The chart shows that in 2008-09 the Home Loan are sanctioned of Rs.
17.38 crore and in 2009-2010the Home loan are sanctioned of Rs.
25.39 Crore. By doing comparison the amount of loan Increased by
Rs. 8.01 Crore.

48

3)Two Wheeler Loan Loan:Loan Type

Two Wheeler Loan

2007

2008

18.73

20.66

2009

19.34

2010

19.69

(Rs. In Crore)

(Rs.in
Crore)

Two Wheeler
Loan
2
1
20.
52
0
19.
51
9
18.
51
8
17.
5

2007

18.7
Two
3
Wheeler
llloanLoan

2008

2009

2010

20.6
6

19.3
4

19.6
9

Yea
r

Interpretation:The chart shows that in 2008-09 the Two Wheeler Loan are sanctioned of Rs.
19.34 crore and in 2009-2010 the Two Wheeler Loan are sanctioned of Rs.19.69 Crore.
By doing comparison the amount of loan Increased by Rs. 0.35 Crore.

4) Car Loan:49

Loan Type

2007

Car Loan

2008

2.65

2.46

2009

1.98

2010

1.34

(Rs. In Crore)
Car
Loan
3

(Rs.in
Crore)

2.
52
1.
51
0.
50

Car
Loan

2007

2008

2009

2010

2.6
5

2.4
6

1.9
8

1.3
4

Yea
r

Interpretation:The chart shows that in 2008-09 the Car Loan are sanctioned of Rs.
1.98 Crore and in 2009-2010 the car loan are sanctioned of Rs.1.34
Crore. By doing comparison the amount of loan Decreased by
Rs.0.64 Crore

50

5) Loan against gold:Loan Type

2007

Loan against gold (Rs.

In Crore)

0.45

0.5
(Rs.i
n
Cror
e)

2008

0.32

2009

0.28

2010

0.18

Loan
against
gold.

0.4
0.3
0.2
0.1
0

Loan against
gold.

2007

2008

2009

2010

0.45

0.32

0.28

0.18

Year

Interpretation:The chart shows that in 2008-09the Loan against Gold are sanctioned
of Rs. 0.28 crore and in 2009-2010 the Loan against Gold are
sanctioned of Rs.0.18 Crore. By doing comparison the amount of
loan Decreased by Rs. 0.1 Crore.

51

6) Overdraft Against Jwellery loan:Loan Type

2007

2008

2009

2010

Overdraft Against

3.54

5.45

10.03

8.39

Jwellery (Rs. In Crore)

Overdraft Against
Jwellery
12
10
(Rs.in
Crore)

8
6
4
2
0

2007

2008

2009

2010

Overdraft 3.54
Against
Jwellery

5.45

10.03

8.39

Yea
r

Interpretation:The chart shows that in 2008-09 the Overdraft Against Jwellery are
sanctioned of Rs. 10.03 Crore and in 2009-2010 the Overdraft Against
Jwellery are sanctioned of Rs.8.39 Crore. By doing comparison the amount
loan Decreased by Rs.1.64 Crore.

52

7) Education Loan :Loan Type

2006

2007

2008

2009

Education loan

0.34

0.20

0.85

0.83

(Rs. In Crore)

Education
loan
1
(Rs.i
n
Cror
e)

0.8
0.6
0.4
0.2
0

Education

2007

2008

2009

2010

0.34

0.2

0.85

0.83

loan

Yea
r

Interpretation:-

The chart shows that in 2008-09the Education loan are sanctioned of

Rs. 0.85 Crore and in 2009-2010 the Education loan are sanctioned
of Rs.0.83 Crore. By doing comparison the amount of loan
Decreased by Rs. 0.02 Crore.

53

8) Working Capital loan:Loan Type

2007

2008

2009

2010

Working Capital loan

(Rs. In Crore)

1.78

3.64

3.99

3.28

Working Capital
loan
4
(Rs.in
Crore)

3
2
1
0

2007

2008

2009

2010

1.78
Working
Capital loan

3.64

3.99

3.28

Yea
r

Interpretation:The chart shows that in 2008-09 the Working Capital Loan are
sanctioned of Rs. 3.99 Crore and in 2009-2010 the Working Capital
loan are sanctioned of Rs.3.28 Crore. By doing comparison the
amount of loan Decreased by Rs. 0.71 Crore.

54

9) Overdraft against salary:Loan Type

2007

2008

2009

2010

Overdraft against salary

(Rs. In Crore)

0.76

0.71

0.80

0.78

Overdraft against
salary

(Rs.in
Crore)

0.
8
0.7
5
0.
7
0.6
5
Overdraft
against
salar salary
y

2007

2008

0.7
6

0.7
1

2009
0.
8

2010
0.7
8

Yea
r

Interpretation:The chart shows that in 2008-09the Overdraft against salary are

sanctioned of Rs. 0.80 Crore and in 2009-2010 the Overdraft against salary
loan are sanctioned of Rs.0.78 Crore. By doing comparison the amount of
loan Decreased by Rs. 0.02 Crore.

55

10) Property loan:Loan Type

2007

2008

2009

2010

Propery loan
(Rs. In Crore)

0.03

0.06

0.008

(Rs.in
Crore)

Property
loan
0.0
6
0.0
5
0.0
4
0.0
3
0.0
2
0.0
1 0
Property
loan

2007

2008

2009

2010

0.0
3

0.0
6

0.00
8

Yea
r

Interpretation:The chart shows that in 2008-09 the Property Loan are sanctioned of
Rs. 0.06 Crore and in 2009-2010 the Property loan are sanctioned
of Rs.0.008 Crore. By doing comparison the amount of loan
Decreased by Rs. 0.052 Crore.

56

SWOT ANALYSIS OF ANSB

BANK
1. STRENGTHS
Blue chip excellent management and processes
Cutting edge technology, at least by Indian standards
Lowest funding costs
Best access among Indian banks to capital markets
Very low beta
SBI distribution network is the biggest strength of the company.
SBI is giving low interest rate on housing finance than other private
banks.
In private sector banking, SBI has the highest number of branches in
semi-urban area.
The bank has connection with SWIFT international network for easy
transfer of money.
SBI has strong management to operate its function.

57

2. WEAKNESS
Scale, some state banks a re larger much larger though sitting targets
right now
The company has large amount of non-performing loans.
The bank has less concentration in rural areas.
ANSB bank is taking higher charges on Demand draft, fund Transfer in
regular current a/c than other nationalize bank.
ANSB bank is not accepting cash deposit from third-party.

3. OPPORTUNITY
Fast growing Indian economy and massive rise of middle class
Rapid expansion of distribution network and retail offerings
Merger with HDFC some Moue for products are in place; others
emerging
Low beta
Low valuation
Depreciating dollar
The polarized banking scenario, with a large unfulfilled need gap, a bank
that offered the best of both worlds had a ready and waiting market.
Company also has opportunity from the dissatisfaction of the customers
of public sector bank and foreign bank.
Company gets benefit by minimizing the remedies of both private bank
and foreign bank.

58

4. THREATS
The 0.1% banking transaction tax will discourage cash transactions.
Due to government liberalization and globalization policy, banking
sector became open for everybody. So, newer and newer private and
foreign firms are opening their branches in India. This has
intensified the competition
Liquidity in co operative banks also make problem for the private
banks.
Miracle restructuring of state banks. Either that or they go nuts in
trying to compete
Indian Economic growth peters off.

59

FINDINGS

After observing data and analyzing them, the conclusion is:

People are going for investment in banking sectors than to other avenue
of investment because of no risk, fixed return and of their saving,
so the requirement of working capital is easily fulfilled.

Businessmen are going for current account because its feature provides
them to do at ease and they can compete in market, so here they
require more working capital.
SBI has positioned it self as one stop-shop.
People of liliya are finding SBI services as good convenient, flexible,
fast, and appropriate.
Most of investors are found as a risk averse does believe in safe
investment.
Thus, overall we can say that SBI is performing well at liliya market. It
is able to attract current account users and had reached deeply in
rural areas.

60

Suggestion

As improvement is a constant requirement for every one and if we try

to learn from a little thing also. Then every minute we will improve ourselves.
And for constant improvement in organization management should keep their eye
on every concern, during my visit at bank I have tried to cover everything and
according to my knowledge I am trying to give suggestion to the bank and I am
sure that it surely will be helpful in progress of the bank.
First and foremost suggestion for the bank is that, yet they are not
using such marketing tools in the area of cutthroat competition in banking sector.
Each bank should try for better and different marketing. Bank should make one
group of executive, who can help to the management and can provide different
services as well as possible.
By creating attractive web site bank surely will be able to create good image.

61

Conclusion

After having all the required information for preparing

my report, I have tried to analyses each and every function of the bank.
During my report all the staff member of the bank had well co-operate me.
And also I have found that, there is a very good of commitment in al the
staff members.
During my report I have tried to cover each & every
information of the bank and after having clear idea about everything in the
bank, I can conclude that the state bank of India is one of the leading parts
of the bank, and with advance technologies and educated staff to trying to
positioning in the banking market. But than also due to such weakness of
bank is also suffering from such limits.
So at last we conclude that the state bank of India is being
leader in the market and due to great leadership of chairman of the bank,
bank is getting great goodwill in the market and also great goodwill of the
other member helps to the bank in creating good image in the field of the
bank.

62

Bibliography

Web sites:http://www.google.co.in/
http://www.statebankofindia.com/user.htm
Banks Documents:Annual Reports of the state Bank of India.

63