RESERVE BANK OF INDIA

A N D

STATE BANK OF INDIA

RESERVE BANK OF INDIA

A N D

STATE BANK OF INDIA

Presenting By

RANJAN KUMAR

MANMOHAN

UNAIS K C

RAHUL HEDAU

TABREZ A

APRIL 1 KNOWN AShellipAPRIL 1 KNOWN AShellip

1) April Fool Foolish Day

2) Starting Financial Year

3) RBI Operations begin on April 1 Established 1 April 1935 in Kolkata

Reserve Bank of Indiaभारतीय रिरजरव बक

Logo of RBI The RBI headquarters in Mumbai

Headquarters Mumbai Maharashtra

Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694

Established 1 April 1935

Governor Duvvuri Subbarao

Central bank of India

Currency Indian Rupee

ISO 4217 Code INR

Reserves US$30021 billion (2010)

Base borrowing rate

65

Base deposit rate

55

Website rbiorgin

APRIL 1 KNOWN AShellipAPRIL 1 KNOWN AShellip

1) April Fool Foolish Day

2) Starting Financial Year

3) RBI Operations begin on April 1 Established 1 April 1935 in Kolkata

Reserve Bank of Indiaभारतीय रिरजरव बक

Logo of RBI The RBI headquarters in Mumbai

Headquarters Mumbai Maharashtra

Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694

Established 1 April 1935

Governor Duvvuri Subbarao

Central bank of India

Currency Indian Rupee

ISO 4217 Code INR

Reserves US$30021 billion (2010)

Base borrowing rate

65

Base deposit rate

55

Website rbiorgin

Reserve Bank of Indiaभारतीय रिरजरव बक

Logo of RBI The RBI headquarters in Mumbai

Headquarters Mumbai Maharashtra

Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694Coordinates 18deg55prime58PrimeN 72deg50prime13PrimeE 1893278degN 7283694degE 1893278 7283694

Established 1 April 1935

Governor Duvvuri Subbarao

Central bank of India

Currency Indian Rupee

ISO 4217 Code INR

Reserves US$30021 billion (2010)

Base borrowing rate

65

Base deposit rate

55

Website rbiorgin

OVERVIEWOVERVIEW

The Reserve Bank of India (RBI Hindi भारतीय रिरजरव ब13क) is the central banking system of India and controls the monetary policy of the rupee as well as US$30021 billion (2010 )of currency reserves

The institution was established on 1 April 1935 during the British Raj in accordance with the provisions of the Reserve Bank of India Act 1934 and plays an important part in the development strategy of the government It is a member bank of the Asian Clearing Union

Governor

Dr D Subbarao

HISTORY of RBIHISTORY of RBI

1935Operations beginon April 1

1949Nationalizationof the ReserveBank BankingRegulation Actenacted

1950India embarks onplanned economicdevelopmentThe ReserveBank becomesactive agent andparticipant

1966Cooperativebanks comeunder RBIregulation

1969Nationalizationof 14 majorcommercial banks(six more werenationalized in1980)

1973RBIstrengthensexchangecontrols byamendingForeignExchangeRegulation Act(FERA)

1974Introduction ofpriority sectorlending targets

1975RegionalRural Banksset up

1991India facesbalance ofpaymentcrisis pledgesgold to shoreup reservesRupeedevalued

1985Financial marketreforms beginwith SukhamoyChakravartyand VaghulCommitteeReports

1993Exchange ratebecomes marketdetermined

1997Ad hoc treasurybills phasedout endingautomaticmonetization

1998Multiple indicatorapproach formonetary policyadopted

1997Regulation ofNon-BankingFinanceCompaniesstrengthened

2000ForeignExchangeManagementAct replacesFERA

2002ClearingCorporation ofIndia Limited(CCIL) commencesclearing andsettlement ingovernmentsecurities

2003FiscalResponsibilityand BudgetManagementAct enacted

2004Transition toa full-fledgeddaily liquidityadjustmentfacility (LAF)completed MarketStabilizationScheme (MSS)introduced tosterilise capitalflows

2004Real TimeGrossSettlementSystemcommences

2005Focus on financialinclusion andincreasing theoutreach of thebanking sector

2006RBIempoweredto regulatemoney forexG-sec andgold relatedsecuritiesmarket

1994Board forFinancialSupervisionset up

2007RBI empowered toregulate PaymentSystem

20089Pro-activeefforts tominimizeimpactsof globalfinancialcrisis

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

The Reserve Bank has the sole authority to issue bank notes in India Reserve Bank like other central banks the world over changes the design of banknotes from time to time The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series since 1996 and has so far issued notes in the denominations of Rs5 Rs10 Rs20 Rs50 Rs100 Rs500 and Rs1000 in this series These notes contain distinct easily recognizable security features to facilitate the detection of genuine notes vis-agrave-vis forgeriesDenominations of coins and notes in circulation

Coins in circulation 25 paise 50 paise 1 2 5 and 10 Rupee

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

HISTORY of RBIHISTORY of RBI

1935Operations beginon April 1

1949Nationalizationof the ReserveBank BankingRegulation Actenacted

1950India embarks onplanned economicdevelopmentThe ReserveBank becomesactive agent andparticipant

1966Cooperativebanks comeunder RBIregulation

1969Nationalizationof 14 majorcommercial banks(six more werenationalized in1980)

1973RBIstrengthensexchangecontrols byamendingForeignExchangeRegulation Act(FERA)

1974Introduction ofpriority sectorlending targets

1975RegionalRural Banksset up

1991India facesbalance ofpaymentcrisis pledgesgold to shoreup reservesRupeedevalued

1985Financial marketreforms beginwith SukhamoyChakravartyand VaghulCommitteeReports

1993Exchange ratebecomes marketdetermined

1997Ad hoc treasurybills phasedout endingautomaticmonetization

1998Multiple indicatorapproach formonetary policyadopted

1997Regulation ofNon-BankingFinanceCompaniesstrengthened

2000ForeignExchangeManagementAct replacesFERA

2002ClearingCorporation ofIndia Limited(CCIL) commencesclearing andsettlement ingovernmentsecurities

2003FiscalResponsibilityand BudgetManagementAct enacted

2004Transition toa full-fledgeddaily liquidityadjustmentfacility (LAF)completed MarketStabilizationScheme (MSS)introduced tosterilise capitalflows

2004Real TimeGrossSettlementSystemcommences

2005Focus on financialinclusion andincreasing theoutreach of thebanking sector

2006RBIempoweredto regulatemoney forexG-sec andgold relatedsecuritiesmarket

1994Board forFinancialSupervisionset up

2007RBI empowered toregulate PaymentSystem

20089Pro-activeefforts tominimizeimpactsof globalfinancialcrisis

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

The Reserve Bank has the sole authority to issue bank notes in India Reserve Bank like other central banks the world over changes the design of banknotes from time to time The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series since 1996 and has so far issued notes in the denominations of Rs5 Rs10 Rs20 Rs50 Rs100 Rs500 and Rs1000 in this series These notes contain distinct easily recognizable security features to facilitate the detection of genuine notes vis-agrave-vis forgeriesDenominations of coins and notes in circulation

Coins in circulation 25 paise 50 paise 1 2 5 and 10 Rupee

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

1997Ad hoc treasurybills phasedout endingautomaticmonetization

1998Multiple indicatorapproach formonetary policyadopted

1997Regulation ofNon-BankingFinanceCompaniesstrengthened

2000ForeignExchangeManagementAct replacesFERA

2002ClearingCorporation ofIndia Limited(CCIL) commencesclearing andsettlement ingovernmentsecurities

2003FiscalResponsibilityand BudgetManagementAct enacted

2004Transition toa full-fledgeddaily liquidityadjustmentfacility (LAF)completed MarketStabilizationScheme (MSS)introduced tosterilise capitalflows

2004Real TimeGrossSettlementSystemcommences

2005Focus on financialinclusion andincreasing theoutreach of thebanking sector

2006RBIempoweredto regulatemoney forexG-sec andgold relatedsecuritiesmarket

1994Board forFinancialSupervisionset up

2007RBI empowered toregulate PaymentSystem

20089Pro-activeefforts tominimizeimpactsof globalfinancialcrisis

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

The Reserve Bank has the sole authority to issue bank notes in India Reserve Bank like other central banks the world over changes the design of banknotes from time to time The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series since 1996 and has so far issued notes in the denominations of Rs5 Rs10 Rs20 Rs50 Rs100 Rs500 and Rs1000 in this series These notes contain distinct easily recognizable security features to facilitate the detection of genuine notes vis-agrave-vis forgeriesDenominations of coins and notes in circulation

Coins in circulation 25 paise 50 paise 1 2 5 and 10 Rupee

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

2007RBI empowered toregulate PaymentSystem

20089Pro-activeefforts tominimizeimpactsof globalfinancialcrisis

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

The Reserve Bank has the sole authority to issue bank notes in India Reserve Bank like other central banks the world over changes the design of banknotes from time to time The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series since 1996 and has so far issued notes in the denominations of Rs5 Rs10 Rs20 Rs50 Rs100 Rs500 and Rs1000 in this series These notes contain distinct easily recognizable security features to facilitate the detection of genuine notes vis-agrave-vis forgeriesDenominations of coins and notes in circulation

Coins in circulation 25 paise 50 paise 1 2 5 and 10 Rupee

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

FEATURE OF RBIBanknotes in Mahatma Gandhi Series - Security

Features

The Reserve Bank has the sole authority to issue bank notes in India Reserve Bank like other central banks the world over changes the design of banknotes from time to time The Reserve Bank has introduced banknotes in the Mahatma Gandhi Series since 1996 and has so far issued notes in the denominations of Rs5 Rs10 Rs20 Rs50 Rs100 Rs500 and Rs1000 in this series These notes contain distinct easily recognizable security features to facilitate the detection of genuine notes vis-agrave-vis forgeriesDenominations of coins and notes in circulation

Coins in circulation 25 paise 50 paise 1 2 5 and 10 Rupee

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Notes in circulation Rs 5 10 20 50100 500 and 1000Notes in circulation Rs 5 10 20 50100 500 and 1000

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Security Features on Indian BanknotesSecurity Features on Indian Banknotes

Watermark The Mahatma Gandhi Series of banknotes contain the Mahatma Gandhi watermark with a light and shade effect and multi-directional lines in the watermark window

Latent Image On the obverse side of Rs1000 Rs500 Rs100 Rs50 and Rs20 notes a vertical band on the right side of the Mahatma Gandhirsquos portrait contains a latent image showing the respective denominational value in numeral The latent image is visible only when the note is held horizontally at eye level

Intaglio Printing The portrait of Mahatma Gandhi the Reserve Bank seal guarantee and promise clause Ashoka Pillar Emblem on the left RBI Governors signature are printed in intaglio ie in raised prints which can be felt by touch in Rs20 Rs50 Rs100 Rs500 and Rs1000 notes

Micro lettering This feature appears between the vertical band and Mahatma Gandhi portrait It contains the word lsquoRBIrsquo in Rs5 and Rs10 The notes of Rs20 and above also contain the denominational value of the notes in micro letters This feature can be seen better under a magnifying glass

Identification mark A special feature in intaglio has been introduced on the left of the watermark window on all notes except Rs10- note This feature is in different shapes for various denominations (Rs 20-Vertical Rectangle Rs50-Square Rs100-Triangle Rs500-Circle Rs1000-Diamond) and helps the visually impaired to identify the denomination

Optically Variable Ink

See through Register

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

IN 15 language Printed on RBI Notes

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

FunctionsFunctions

Monetary AuthorityThe basic functions of the ReserveBank of India are to regulate theissue of Bank notes and the keepingof reserves with a view to securingmonetary stability in India andgenerally to operate the currency andcredit system of the country to itsadvantage - From the Preamble of the Reserve Bank of India Act 1934

The main objectives of monetary policy in India are1048707 Maintaining price stability1048707 Ensuring adequate flow of credit to the productivesectors of the economy to support economic growth1048707 Financial stability

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Functions conthelliphellipFunctions conthelliphellip

Issuer of Currency The Reserve Bank is the nationrsquos sole note issuing authorityAlong with the Government of India we are responsible for thedesign and production and overall management of the nationrsquoscurrency with the goal of ensuring an adequate supply of cleanand genuine notes The Reserve Bank also makes sure thereis an adequate supply of coins produced by the governmentIn consultation with the government we routinely addresssecurity issues and target ways to enhance security features toreduce the risk of counterfeiting or forgery

Our Approach 1048707 The Department of Currency Management in Mumbai in cooperation with the Issue Departments in the Reserve Bankrsquos regional offices oversees the production and manages the distribution of currency 1048707 Currency chests at more than 4000 bank branchesmdash typically commercial banksmdashcontain adequate quantity of notes and coins so that currency is accessible to the public in all parts of the country

Our note Printing Press at MysoreThe Reserve Bank is the governmentrsquos agent for issueand distribution of coins

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Functions conthelliphellipFunctions conthelliphellip

Banker and Debt Managerto Government

Managing the governmentrsquos banking transactions is a key RBI role Like individualsbusinesses and banks governments need a banker to carry out their financialtransactions in an efficient and effective manner including the raising of resourcesfrom the public As a banker to the central government the Reserve Bankmaintains its accounts receives money into and makes payments out of theseaccounts and facilitates the transfer of government funds We also act as thebanker to those state governments that have entered into an agreement with us

Banker to Banks

Manager of Foreign Exchange

Regulator ofthe Banking System

Like individual consumers businesses and organizations of all kinds banks need their own mechanism to transfer funds and settle inter-bank transactionsmdashsuch as borrowing from and lending to other banksmdashand customer transactions

With the transition to a market-based system for determining the external value of the Indian rupee the foreign exchange market in India gained importance in the early reform period

Banks are fundamental to the nationrsquos financial system

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Management and StructureManagement and Structure

The Governor is the Reserve Bankrsquos chief executive The Governor supervisesand directs the affairs and business of the Reserve Bank The managementteam also includes Deputy Governors and Executive Directors

GovernorDr D Subbarao

Deputy GovernorDr K C Chakrabarty

Deputy GovernorDr Subir Gokarn

Deputy GovernorSmt Shyamala Gopinath

Deputy GovernorSmt Usha Thorat

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

OVERVIEW

State Bank of India is the nations largest and oldest bank

Tracing its roots back some 200 years to the British East India Company (and initially established as the Bank of Calcutta in 1806) the bank operates more than 15000 branches within India where it also owns majority stakes in six associate banks

State Bank of India (SBI) has more than 80 offices in nearly 35 other countries including multiple locations in the US Canada and Nigeria

The bank has other units devoted to capital markets fund management factoring and commercial services credit cards and brokerage services The Reserve Bank of India owns about 60 of State Bank of India

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

ConthellipConthellipThe government of India nationalized 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 IndiaSBI provides a range of banking products through its vast network of branches in India and overseas including products aimed at non-resident Indians(NRIs) The State Bank Group with over 16000 branches has the largest banking branch network in India Its also considered as the best bank even abroad having around 130 branches overseasThe State Bank of India is the 29th most reputed company in the world according to Forbes Also SBI is the only bank to get featured in the coveted top 10 brands of India list in an annual survey conducted by Brand Finance and The Economic Times in 2010

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

State Bank of India State Bank of India

Type - Public (NSE SBINBSE 500112 LSE SBID)Industry- Banking Financial servicesFounded - 1 July 1955Headquarters - Mumbai Maharashtra IndiaKey people - O P Bhatt(Chairman)Products - Investment Banking Consumer Banking Commercial Banking Retail Banking Private Banking Asset Management Pensions Mortgages Credit Cards

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

ConthellipConthellip

Revenue 133851 crore (US$2905 billion)(2010) [1]

Profi 11733 crore (US$255 billion)(2010) [1]

Total assets US$ 3230 billion (2010)Total equity US$ 185 billion (2010)Owner(s) Government of IndiaEmployees 200299 (2010)Website satebankofindiacom

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Branches of SBI Branches of SBI

State Bank of India has 131 foreign offices in 32 countries across the globe

SBI has about 21000 ATMs and SBI group(including associate banks) has about 45000 ATMs

SBI has 26500 branches including branches that belong to its associate banks

SBI includes 99345 officces in our country

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Symbol and slogan Symbol and slogan

The symbol of the State Bank of India is a circle and not key hole and a small man at the centre of the circle A circle depicts perfection and the common man being the centre of the banks business

Slogans

With you all the wayPure banking nothing elseThe Banker to every IndianThe Nation banks on us

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

FEATURESFEATURES

Eligibility

Minimum age 18 years as on the date of sanctionMaximum age 70 years ie the age by which the loan should be

fully repaid subject to availability of sufficient regular and continuous source of income for servicing the loan repayment

Loan Amount

Actual loan amount will be determined taking into consideration such factors as applicantrsquos income and repaying capacity age assets and liabilities cost of the proposed houseflat etc

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

VISION amp MISSIONVISION amp MISSION

Vision To Be There All The Time To Secure the customer against All Odds And live A Safe life

Mission Providing Excellence In All Walk of life

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Competitors

All insurance companies Market shareUnited india 1596Oriental 1675Private Companies 1899National 2065New India 2765Total 100

Market share

United india16

Oriental 17

New India27

National 21

Private Companies

19United india

Oriental

New India

National

Private Companies

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Manpower Required

Country wide Branch break up Business Development 7 HR 2 Finance 2 Back Office 15 Branch Head 1 IT 2 Total Staff Per Branch 29 Head Office Requirement 45

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

New Plans

Credit insurance Short-Term Disability CancerSpecified-Disease

bull Launch Place Launch Place MumbaiMumbaibull Country Operations INDIACountry Operations INDIA11 AhmedabadAhmedabad22 IndoreIndore33 DelhiDelhi44 ChandigarhChandigarh55 CalcuttaCalcutta66 Hyderabad Hyderabad 77 BangaloreBangalore88 GuwahatiGuwahati99 BhubaneshwarBhubaneshwar1010 LucknowLucknow

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Functions of SBI Functions of SBI

1Borrows money2 Lends money3 Bankers Bank4 Governments Bank5 Remittance6 Functions as Central Bank7 Subsidiary functions

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

(1) Borrows money- The Bank borrows money from the public by accepting deposits such as current account deposits fixed deposits and savings deposits (2) Lends money- It lends money to merchants and manufacturers for short periods It also lends to farmers and co-operative institutions It lends mostly on the security of easily realizable commodities like rice wheat cotton oil-seeds cloth gold and government securities

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

(3) Bankers Bank-The State Bank of India acts as the bankers bank In discharging this responsibility the bank provides loans to commercial bank when required and also rediscount their bill (4) Governments Bank- The State Bank of India also acts as the agent of the Reserve Bank of India As an agent the State Bank of India maintains the treasuries of the State Government

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

ConthellipConthellip

(5) Remittance- The State Bank of India facilitates remittance of money from one place to another It also helps in the transfer on the funds of the State and Central Government (6) Functions as Central Bank- The State Bank of India performs the functions of a Central Bank (7) Subsidiary functions- The State Bank performs various subsidiary services also It collects checks drafts bill of exchange dividends interest salaries and pensions on behalf of its customers It purchases and sells securities on behalf of its customer

Questions

Thank You

Questions

Thank You