sbi project of hr

7/29/2019 Sbi Project of Hr

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SHERWOOD COLLEGE OF MANAGEMENT

Study of wholesale medicine market for financing

opportunities by SBI at Lucknow

Internship report submitted to SBI in completion of requirement of summer

internship at State bank of India

Submitted by: - Reporting officer:-

KUMUD KHARE MR. AWADESHKUMAR MISHRA

MRIDULA SINGH

14th

june2013 to 14thaug2013


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DECLARATION

We the undersigned KUMUD KHARE & MRIDULA SINGH , students of MBA

(Wholesale medicine Market for financing Opportunities by SBI at

Lucknow) Semester-II I , hereby declare that the project work presented in

this report is our original work. This work has not been previously

submitted to any other university for any other examination.

Thanking you

Date: 01Aug 2013

Place: LUCKNOW

----------------------

(KUMUD KHARE)

(MRIDULA SINGH)


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ACKNOWLEDGEMENT

At outset, we would like to thank the institutions for having provided us with an

opportunity to carry out a project of this magnitude that helped me satisfy my curiosity

as far as my area of interest was concerned.

The essence of this project, i.e. its contents have been compiled with help of varied

sources of secondary database, but we would specially like to acknowledge the support,

suggestions and feedback received from my Project Guide-MR AWADESH KUMAR

MISHRA.

Kumud khare

Mridula Singh

Thanking you

MBA

(2012-14)


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TABLE OF CONTENTS

S.NO TITLE

1. AKNOWLEDGEMENT

2. LIST OF CHARTS

3. INTRODUCTION

Brief profile of student Brief profile of project mentor Brief profile of organization Nature of project Brief objectives/responsibilities assigned by the project mentor

4. FRAMEWORK OF STUDY

Theoretical framework Specific objectives of the product Scope of study Limitation of study Period of study

5. METHODOLOGY AND ANALYSIS

MethodologyAnalysisObservationAnalysisConclusionRecommendations

6. BIBLOGRAPHY

7. ANNEXURE


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LIST OF CHARTS

1. Charts related to :- INCOME ,REVENUE & ASSETS

REVENUE BY DIVISION

59.73%19.83%

6.21%

6.47%1.79%5.97%

Reserve Bank of IndiaNon-residents (FIIs, OCBs, NRIs)Banks, FIs including insurance companiesMutual funds/UTIDomestic companies/private corporate bodies/trustsResident individuals

Division A16%

Division B24%Division C

37%

DivisionD

23%


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ASSETS

STOCK PERFORMANCE

Share52%

loan

12%

AIME29%

ROW7%


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INTRODUCTION

PROFILE OF STUDENT PROFILE OF PROJECT MENTOR PROFILE OF ORGANIZATION NATURE OF PROJECT OBJECTIVES/RESPONSIBILITIES ASSIGNED


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INTRODUCTION

PROFILE OF STUDENTName-KUMUD KHARE

MRIDULA SINGH

Email [email protected]

[email protected]

Mobile no- 9839957506

9919655388

Currently pursuing MBA from SHERWOOD COLLEGE OF MANAGEMENT, LUCKNOW

OBJECTIVE: -To work in a challenging environment in an organization with good prospects that will

help me in enhancing my skills along with the growth of the organization
mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]


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PROFILE OF PROJECT MENTOR

Name: MR AWADESH KUMAR MISHRA

Designation: CHIEF MANAGER

SME CCC, HALWASIYA MAIN BRANCH HAZRATGANJ

LUCKNOW

PROFILE OF AN ORGANIZATIONSTATE BANK OF INDIA is a multinational banking and financial services company based in India.

It is a


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Government-owned Corporation with its headquarters in Mumbai, Maharashtra as of December

2012, it had assets of US$ 501 billion and 20,193 branches, including 157 foreign offices, making

it

The largest banking and financial services company in India by assets

The bank traces its ancestry to British India, through the Imperial Bank of India, to the

Founding in 1806 of the bank of Calcutta, making it the oldest commercial bank in the Indian

Subcontinent. Bank of Madras merged into the other two presidency banks- Bank of Calcutta

and

Bank of Bombay. To form Imperial Bank of India, which is turn became a state bank of India.

Government of India nationalized the State Bank of India in 1955, with Reserve Bank of Indiataking

A 60% stake, and renamed it the State Bank of India. In 2008, the government took over the

stake

Held by the Reserve Bank of India.

SBI provides a range of banking products through its network of branches in India and

Overseas, including products aimed at non-residents Indians. SBI has 14 regional huts and 57

zonal

Offices that is located at important cities throughout the country.

In addition to banking the company, through its various subsidiaries, provides a range

of

Financial services, which include life insurance, merchant banking, custodial services, general

Insurance (non-life insurance) and primary dealership in the money market. Its segment include

Treasury, which includes investment portfolio and trading in foreign exchange contracts and

Derivative contracts, corporate/wholesale banking, which comprises lending activities of

Corporate

Accounts Group and Stressed Assets Management Group, Retail Banking which comprises of

Branches in National Banking Group, includes personal banking activities, including lending to


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Corporate customer and other Banking business

MANAGEMENT

The State Bank of India has 15 Members on its Board of Directors, who are responsible for the

management of the banks business. The board in addition to monitoring corporate

performance also carries out functions such as approving the business plan, reviewing and

approving the annual budgets and borrowing limits and fixing exposure limits. MR. PRATIP

CHAUDHRI is the Chairman of the Bank.

No. Name DesignationUnder Section of

SBI Act 1955

1 Shri Pratip Chaudhri Chairman 19 (a)

2Shri Hemant G.

Contractor

Managing Director19 (b)

3 Shri Diwakar Gupta Managing Director 19 (b)

4 Shri A. Krishna Kumar Managing Director 19 (b)

5 Shri S.Vishvanathan Managing Director 19 (b)

6 Shri S. Venkatachalam Director 19 (c)

7 Shri D. Sundaram Director 19 (c)

8Shri Parthasarathy

IyengarDirector 19 (c)

9 Shri Thomas Mathew Director 19 (c)

10Shri Jyoti Bhushan

Mohapatra

Workmen Employee

Director19 (ca)

11 Shri S.K. MukherjeeOfficer Employee

Director19 (cb)

12 Dr. Rajiv Kumar Director 19 (d)

13 Shri Deepak Amin Director 19 (d)

14Shri HarichandraBahadur Singh

Director 19 (d)

15 Shri Rajiv Takru Director 19 (e)

16 Dr. Urjit R. Patel Director 19


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EVOLUTION OF STATE BANK OF INDIA

The origin of the STATE BANK OF INDIA goes back to the first decade of the nineteenth

century with the establishment of the State bank India in Calcutta on 2 June 1806. Three years

later the state bank of India received its charter and was re-designed as the state bank of Bengal

(2 January 1809). A unique institution, it was the first joint-stock state bank of India of British

India sponsored by the Government of Bengal. The state bank of Bombay (15 April 1840) and

state bank of Madras (1 July 1843) followed the state bank of Bengal. These three banks

remained at the apex of modern banking in India till their amalgamation as the Imperial bank on

27 January 1921.

Primarily Anglo-Indian creations, the three presidency banks came into existence

either as a result of the compulsions of imperial bank or by the felt needs of local European

commerce and were not imposed from outside in an arbitrary manner to modernize India's

economy. Their evolution was, however, shaped by ideas culled from similar developments in

Europe and England, and was influenced by changes occurring in the structure of both the local

trading environment and those in the relations of the Indian economy to the economy of Europe

and the global economic framework


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BANK OF BENGAL, H.O

ESTABLISHMENT

The establishment of the state bank of Bengal marked the advent of limited liability, joint-stock

banking in India. So was the associated innovation in banking, viz. the decision to allow the State

Bank of Bengal to issue notes, which would be accepted for payment of public revenues within a

restricted geographical area. This right of note issue was very valuable not only for the State Bank

of Bengal but also its two siblings, the Banks of Bombay and Madras. It meant an accretion to the

capital of the banks, a capital on which the proprietors did not have to pay any interest. The

concept of deposit banking was also an innovation because the practice of accepting money for

safekeeping (and in some cases, even investment on behalf of the clients) by the indigenous

bankers had not spread as a general habit in most parts of India. But, for a long time, and

especially up to the time that the three presidency banks had a right of note issue, State Bank of

India notes and government balances made up the bulk of the invertible resources of the banks.

The three banks were governed by royal charters, which were revised from time to time.

Each charter provided for a share capital, four-fifth of which were privately subscribed and the

rest owned by the provincial government. The members of the board of directors, which

managed the affairs of each bank, were mostly proprietary directors representing the large

European managing agency houses in India. The rest were government nominees, invariably civil

servants, one of whom was elected as the president of the board.


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Group Photograph of Central Board (1921)

OLD BANK OF BENGAL

MAJOR CHANGE IN THE CONDITIONS

A major change in the conditions of operation of the Banks of Bengal, Bombay and

Madras occurred after 1860. With the passing of the Paper state bank of India Act of 1861, the

right of note issue of the presidency banks was abolished and the Government of India assumed

from 1 March 1862 the sole power of issuing paper state bank of India within British India. The

task of management and circulation of the new state bank of India notes was conferred on the

presidency banks and the Government undertook to transfer the Treasury balances to the banks at

places where the banks would open branches. None of the three banks had tilled then any branches


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(except the sole attempt and that to a short-lived one by the state bank of Bengal at Mirzapur (in

1839) although the charters had given them such authority. But as soon as the three presidency

bands were assured of the free use of government Treasury balances at places where they would

open branches, they embarked on branch expansion at a rapid pace. By 1876, the branches,

agencies and sub agencies of the three presidency banks covered most of the major parts and many

of the inland trade centers in India. While state bank of Bengal had eighteen branches including its

head office, seasonal branches and sub agencies, the Banks of Bombay and Madras had fifteen

each.

IMPERIAL BANK

The Imperial Bank of India during the three and a half decades of its existence recorded an

impressive growth in terms of offices, reserves, deposits, investments and advances, the

increases in some cases amounting to more than six-fold. The advances, the increases in some

cases amounting to more than six-fold. The State Bank of India status and security inherited from

its forerunners no doubt provided a firm and durable platform. But the lofty traditions of banking

which the Imperial Bank of India consistently maintained and the high standard of integrity it

observed in its operations inspired confidence in its depositors that no other State Bank in India

could perhaps then equal.

. Stamp of Imperial bank of India
http://www.statebankofindia.com/viewsection.jsp?lang=0&id=0,11,86http://www.statebankofindia.com/viewsection.jsp?lang=0&id=0,11,86


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DIFFERENT PRODUCTS OF SBI

DEPOSIT:-

Saving account, fixed deposit, security deposits, recurring deposit, tax-saver fixed deposit,

Advantage woman savings account, rural savings account, peoples savings account, freedom

Savings Account, tax saver fixed deposit, salary account, and rural savings account

LOANS:-

Home loans, loan against property, personal loans, car loan, loans against securities, two

wheeler,

Pre-approved loans, farmer finance, business installment loans, and flexi cash.

DIFFERENT CARDS&CREDIT CARDS:-

Consumer Cards, SBI International cards, life plus senior citizens, SBI Gold Cards, Travel card, SBI

Gold Master Cards, Debit Cards, Your City Your Cards, Commercial Cards, corporate cards,

Partnership cards, purchase card, SBI employee cards, distribution cards, business cards, SBI

Advantage card.


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NATURE OF THE PROJECT

The project is based on EXPLORATORY RESEARCH DESIGN. It helps in providing a sharper focus

on

The situation and clear definition of the problem at hand. It emphasizes a discovery of ideas and

Possible inside that help in identifying areas of further study. The project provides an

opportunity to

Study customer satisfaction and play a leading role in the expanding wholesale medicine market

Lucknow.

AREA OF OPERATION: Aminabad, Gautama budhmarg, Latouche road, Kaiser Bag, Lalbag,

Medical College Chowk

Above the areas being covered. A feedback form is being filled by the customers which provides

information like-

Name of the unit/firm Date of establishment Type of business/industry Address of unit/firm Unit on rent/lease/owner shop Mobile no.

Telephone no.

E-mail ID

Banking with Credit facility availed If yes, name of the bank Type of credit facility Amount of loan availed If no, type of credit facility required Willing to take loan from SBI Amount of loan required Impression about SBI


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The feedback form filled by customers provides us information about the wholesale medicine

market in Lucknow and also includes recommendation and suggestion regarding the same.

OBJECTIVE OF THE STUDYTo retain the Banks Position as the Premier Indian Whole Sale Medicine Market at Lucknow

Services Group, with world class standards and significant Global business, committed to

excellence in customer, shareholder and employee satisfaction and to play a leading role in the

expanding and diversifying Whole Sale Medicine Market at Lucknow services sector while

continuing emphasis, on its development banking role.

RESPONSIBILITIES ASSIGNED BY THE PROJECT MENTOR

Our project mentor gives us the responsibility to take the surveys of wholesale medicine market

Which are in various areas in Lucknow

To know the nature of the market for acquiring financial services. To enumerate the various players in the market To enumerate the various reasons for customers opting SBI facilities To find out the awareness/knowledge level of customers on the concept by the STATE

BANK OF INDIA

NEED OF THE STUDY


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As the banking sector is the fastest growing sectors in current Business World. So it is necessary

to have In-depth Knowledge of BANK Products provided by them. And to check Segment Wise

Penetration and use of Direct Banking Channels.

THEORETICAL STUDY

MAJOR COMPETITOR

State bank of India at Lucknow has been facing great rivalry and major competition with

other public sector banks and some of private commercial banks. State bank of India has

many banks as art rival. Some of its art rival.

List of major competitors of SBI

I. ICICI Bank

II. Bank of Baroda

III. Canara Bank

IV. Punjab National Bank

V. Union bank of India

VI. Central bank of India

VII. HDFC Bank

VIII. Oriental bank of Commerce.


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Here especially some of the public sector and private sector banks are giving hardcore

competition to the state bank of India. So let us have some of the best banks which is also

mentioned above and mentioned below in detail.

ICICI BANK

ICICI bank at Lucknow stands for Industrial Credit and Investment Corporation of India.

This ICICI bank at Lucknow is one of the heavy weight banks of private sector of India.

It is providing the core competition to the state bank of India at Lucknow of India.

Especially in lending money, Investment.

But in profit making state bank of India is standing ahead. And when and where social

responsibility of concern state bank of India is heading high than any other banks in India

HDFC BANK

HDFC bank stands for Housing Development Financing Corporation ltd. This is also one

of the leading banks of India in private sector. This bank is also providing hardcore

competition to all the banks as well as state bank of India

But we mention earlier that state bank of India is ahead in banking India. So HDFC has to

work hard to reach at the milestone achieved by state bank of India.


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Bank OF BARODA

Bank of Baroda is also one of the leading public sector banks in India.. This PSU is also

providing the tough competition to all other banks in India. The BOB at lucknow is very

renowned banks of India today. It is very changed and very professionally working public

sector banks

BOB has got professional in recent time so. It has to work very hard to achieve position

and reputation which are achieved by State bank of India.

Human resource

(1) Learning & Development

State bank of India at lucknow has taken up several key initiatives to motivate and retain

its manpower. In order to channelize the energy created by the Parivartan campaign, the

State bank of India at Lucknow has launched a Landmark exercise for creation of the new

Vision Mission & Values statement which will be in place shortly. Young officers are

being encouraged to take-up management education by way of sponsorship tie-up with


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the S. P. Jain Institute of Management. 50 officers have been enrolled in the programmed

on a trial basis.SBI at lucknow is strong in the areas of training & development through 4

apex level training colleges and 45 learning centres across the country. e -learning

project has been launched to enable anywhere, anytime learning.

(2) HRMS

For leveraging technology in employee management area, the state bank of India has

started automation of its HR processes through SAP-ERP-HRMS software. Once fully

implemented, it will not only create a central repository of all employees data but also

will make available a variety of services, like online request submission and viewing of

individual data etc. to all the employees across the State Bank of India group on an online

real time basis. HRMS will bring efficiency in HR operations and help the Management

in making employee related decisions faster. Pensioners of SBI, IBI and Associate Banks

will also form a part of this initiative and their pension will be processed through HRMS.

(3) Personnel Management

State bank of India has launched Performance Linked Incentive Scheme for the Branch

managers/AGMs(Region)/ DGMs(Module) and Team Incentive Scheme for the staff

members of the Branch. The incentive scheme was launched with the aim of enthusing

and motivating the staff members of the Branch so that the state bank of India is placed in

a position to face the competition unleashed due to liberalization of economy and


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maintain its lead over others. The scheme has been successful in enthusing the staff and

garnering Business for the Bank.

(4) Employees Share Purchase Scheme (SBI ESPS-2008)

State bank of India also launched Employees Share Purchase Scheme along with the

Rights issue with the Objective of providing incentive to Eligible Employees, to stimulate

their efforts towards the continued success of state bank of India and to provide a Means

to attract, reward and retain talent in the Bank, to reward eligible employees as also to

encourage equity ownership by them. The price was fixed at Rs.1590/- (the face value of

1 share is Rs.10/-) per equity share. The Scheme Opened on 28.03.2008 and closed on

30.04.2008.

(5) Industrial Relations

A number of HR initiatives such a payment of Performance linked incentives tostaff, rationalization of promotion policies and improvement in various staff loan

schemes were taken up during the year. Such initiatives have helped in increasing the

motivation level of staff significantly.


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To meet requirement of staff for an ongoing branch expansion programme,separate recruitment exercises were undertaken to recruit clerical staff for metro/urban

centers, rural/semi urban centers and also for Marketing. This also helped in reducing the

age profile of staff and posting of younger staff at the front line.

The process of consultation and discussion with both the staff and officersfederations continued during the year.

The industrial relations climate of state bank of india remained cordial during theyear.

(6) Staff Strength

State bank of India had a total strength of 1, 79,205 on the 31st March, 2008. Of this,

32.23% are officers, 42.87% clerical staff and the remaining 24.90% were sub-staff.

(7) Implementation of Persons with disabilities (PWD) Act 1995


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Our State Bank of India provides reservation to persons with disabilities (PWDs) as per

the guidelines of the Government of India and section 33 of the PWD Act 1995. The total

number of persons with disabilities who were employed as on 31.03.2008 was as follows:

(8) Representation of Scheduled Castes and Scheduled Tribes

As on the 31st March, 2008, 34802 (19.42%) of the Banks total staff strength, belonged

to Scheduled Caste and 11460 (6.30%) belonged to Scheduled Tribes. In order to

effectively redress the grievances of the SC/ST employees, Liaison Officers have been

designated at all administrative offices of the Bank. Senior officials of the State bank of

India hold regular meetings at periodic intervals with the representatives of SC/ST

Welfare Federation and SC/ST Welfare Association at Corporate Centre, LHOs and

Zonal Offices. The state bank of India conducts workshops on reservation policy for

SCs/STs/OBCs. So also, pre recruitment and pre-promotion training programmes are

conducted by the State bank of India at Lucknow to enable SC/ST candidates to achieve

the prescribed standards to effectively compete with other candidates.


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FINANCIAL PERFORMANCE OF SBI

Agenda

Highlights

Income

Revenue

Balance Sheet

Assets

Stock Performance


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Highlights

(in millions) 2010 2011

Net revenues $x,xxx $x,xxx

Net income xxx xxx

Earnings per share xxx xxx

Return on net revenues xx% xx%

Cash and s/t investments Xxx xxx

Total Assets $xxx $xxx

Stockholders equity xxxx xxxx


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Income

Net Net Earning

Revenues Income Share

$2,759

$3,753

$4,649

*09 *10 *11

$708

$953

$1,146

*09 *10 *11

$1.21

$1.57

$1.88

*09 *10 *11


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Revenue by Division

Division A16%

Division B24%Division C37%

Division D23%


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Balance Sheet

1999 2000

Assets

Cash and short-term investments Accounts receivable Inventories Other

$x,xxx

xxx

xxx

xxx

$x,xxx

xxx

xxx

xxx

Total Assets $x,xxx $x,xxx

Liabilities

Accounts payable Accrued compensation Income taxes payable Other

$x,xxx

xxx

xxx

xxx

$x,xxx

xxx

xxx

xxx

Total Liabilities $x,xxx $x,xxx

Shareholders Equity $x,xxx $x,xxx


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Assets

Share52%

loan12%

AIME29%

ROW7%


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Stock Performance


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SWOT ANALYSIS

S Strength W Weakness O Opportunity T Threat Strength Years of Experience..Century

Experienced Employee

Large Network Huge Whole Sale Medicine Market for Financing Opportunities by SBI

at Lucknow Network

Government Support Safety and Security of Money Transparency in Charges Large income from Loan interest Less interest rate of loan with low charges


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Weakness Lack of Young Employee Rigid work culture Physical environment & Ambience Excessive Documentation Bureaucracy Less knowledgeable employee Less control on employee Poor technology Poor recovery system

Opportunity Constant fear in the minds of customers towards private bank. Even expanding rural, urban & International Market. Fraud and cheating with customer from private banking. Dissatisfy from private banking. So much hidden charges of private banks.


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Threats Shifting customers preference towards private banks. Private Whole Sale Medicine Market at Lucknow providing more

facilities at lower charges.

Quick Dynamic employees and greater technological product.Young stare are attract towards state bank of India because of speedy and upgrade

technology

LIMITATION OF STUDYAs we are short of time having only 6-8 weeks for the summer training so we

cant do a deep study.

less number of feedbacks is the limitation of this study

PERIOD OF STUDY

14TH

JUNE TO 14TH

AUGUST


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SUGGESTION

Proper Co Ordination and Communication between state bank of India andCustomer

Time to time follow up to customer and their Guarantors Properly check all the documents Proper Valuation of their Assets Strict to recovery Steps When first installment will be due at that time state bank of India have to inform

to customer regarding his due installment

Whole Terms and Condition explain to customer at the time of sanction the loan Advance reminder for repayment to customer Give target to recover the debt amount. Provide Commission as a motivation to employee who put there effort for

reduce the NPAs.


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CONCLUSION

We are happy to getting opportunity to part of State bank of India at Lucknow and also get

opportunity to tackle the NPAs Account.

During Our Summer Training we meet 150 clients of state bank of India and get their opinion

their problems. So, According to that duration we would like to conclude that, Account become

NPAs in many way sometimes, Sometimes technical problem, Sometimes personal problem but

these all problem will be solved by few precautions which earlier we mentioned. In any state

bank of India institution, NPAs are inevitable in the loan portfolio. But efforts should be made

to maintain a reasonable level of NPAs. Keeping in mind the RBI plan to introduce the concept

of One quarter for identification of NPAs by 2004, it is a high time to go in for recovery drive

on a war-footing. While doing so, prevention of NPAs should not be forgotten. These are the

major challenges before banks which have gone in for VRS. But sincerity and hard work along

with professional approach on the part of SBI management may help in the fulfillment of

challenges. Towards this end, banks have to go long way.

If the nationalized commercial banks desire to stand in competition with the private sector

banks and the foreign banks, they should over a period of time, be in a position to bring down

NPAs to manageable proportion. Moreover, the government should take measures to facilitate

the efforts of the banks in the recovery of the loans which currently taken inordinately long

time. If willful defaulters to delay the repayment of the loan use the BIFR proceedings the

relevant legal provision should be appropriately amended. The fact that the NPAs are gradually

going down generates hope about the future of the banks, though we should keep in mind

another simple fact that in absolute amount, this has not happened.


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BIBLOGRAPHY

Web Sites:-

www.SBI.co.in (Date-30/7/13) www.rbi.org.in (Date - 1/8/13) www.google.com (Date - 1/8/13)Book:-

NGB Business bulletin (Date-10/8/13) Marketing management by Philip kotlerMagazine& Journals

Tata McGraw Hill (Date- 6/8/13)(Accounting &Whole Sale Medicine Market for Financing Opportunities by SBI

at Lucknow
http://www.sbi.co.in/http://www.sbi.co.in/http://www.rbi.org.in/http://www.rbi.org.in/http://www.google.com/http://www.google.com/http://www.google.com/http://www.rbi.org.in/http://www.sbi.co.in/


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ANNEXURE

Name of the unit/firm

Date of establishment

Type of Business/Industry

Address of the unit/firm

Unit on rent/lease/owner shop

Mobile no.

Telephone no.

Email id

Banking with

Credit facility availed Y/N

If yes, name of the Bank

Type of credit facility Cash Credit/Term Loan

Amount of loan availed

If no, type of credit facility required Fund Based : Cash Credit/ Term Loan

Non Fund Based : LC/BG

Willing to take loan from SBI

Amount of Loan required

Impression about SBI Excellent/Good/Average/Below Average


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sbi project of hr

Documents