PROJECT ON

STATE BANK OF INDIA

COMPANYS PROFILE

State Bank of India is the largest and one of the oldest commercial bank in India, in existence for more than 200 years. The bank provides a full range of corporate, commercial and retail banking services in India. Indian central bank namely Reserve Bank of India (RBI) is the major share holder of the bank with 59.7% stake.

Management of the company

. Pratip Chaudhuri is the new Chairman of the bank. The five-year term of Mr.O.P Bhatt expired in March 2011. Prior to this appointment, Mr. Bhatt was Managing Director at State Bank of Travancore. Mr. Bhatt has more than 30 years of experience in the Indian banking industry and is seen as futuristic leader in his approach towards technology and customer service.

COMPETITORS

Top Performing Public Sector Banks Andhra Bank Allahabad Bank Punjab National Bank Dena Bank Vijaya Bank

SWOT ANALYSIS
Strength/ Opportunities: The growth for SBI in the coming years is likely to be fueled by the following factors: Continued effort to increase low cost deposit would ensure improvement in NIMs and hence earnings.

Weakness/ Threats:
The risks that could ensue to SBI in time to come are as under: SBI is currently operating at a lowest CAR. Insufficient capital may restrict the growth prospects of the bank going forward. Stiff competition, especially in the retail segment, could impact retail growth of SBI and hence slowdown in earnings growth.

INTRODUCTION TO THE TOPIC

Types of Advance Product Home Loan Educational Loan Car Loan Personal Loan Property Loan Loan Against Shares\Debentures Etc.

SBI Advance Product SBI Home Loans: Purpose

Purchase/ Construction of House/ Flat Purchase of a plot of land for construction of House Extension/ repair/ renovation/ alteration of an existing House/ Flat Purchase of Furnishings and Consumer Durables as a part of the project cost

EDUCATION LOAN
A term loan granted to Indian Nationals for pursuing higher education in India or abroad where admission has been secured. Eligible Courses All courses having employment prospects are eligible. Graduation courses/ Post graduation courses/ Professional courses Other courses approved by UGC/Government/AICTE etc.

PROPERTY LOAN:
Purpose This is an all purpose loan, i.e., the loan can be obtained for any purpose whatsoever. If amount of loan is Rs.25.00 lacs and above then purpose of loan will have to be specified along with an undertaking that loan will not be used for any speculative purpose whatever including speculation on real estate and equity shares.

LOAN AGAINST SHARES \ DEBENTURES: Eligibility

This facility is available to our existing individual customers enjoying a strong relationship with SBI. This loan could be availed either singly or as a joint account with spouse in 'Either or Survivor'/ 'Former or Survivor' mode. It is offered as an Overdraft or Demand Loan.

OBJECTIVE OF STUDY
SBI Branch, 3 EME CENTRE BHOPAL want to know about the customer perception about the advance product provide by them to the people. To find out what kind of service provide by the competitors in advance product. To find out the need of the customer and hence formulate the strategy to level the economy in the society. How the products are helping the customer.

Conclusion
From the analysis part it can be conclude that customers have a good respond towards SBI advance products in Bhopal . SBI is in 1st position having large number of customers & providing good services to them. The bank has a wide customer base, so the bank should concentrate on this to retain these customers.