State bank of India (SBI): [Essay Example], 670 words GradesFixer
exit-popup-close

Haven't found the right essay?

Get an expert to write your essay!

exit-popup-print

Professional writers and researchers

exit-popup-quotes

Sources and citation are provided

exit-popup-clock

3 hour delivery

exit-popup-persone
close
This essay has been submitted by a student. This is not an example of the work written by professional essay writers.

State Bank of India (sbi)

Download Print

Pssst… we can write an original essay just for you.

Any subject. Any type of essay.

We’ll even meet a 3-hour deadline.

Get your price

121 writers online

blank-ico
Download PDF

State bank of India (SBI) is an Indian multinational, public sector banking and financial services company. It is the largest commercial bank in India in terms of assets, deposits, branches, customers and employees. It is a government owned corporation with its headquarters in Mumbai, Maharashtra. As on 31 March 2017, Government of India held around 61.23% equity shares in SBI. Life Insurance Corporation of India is the largest non-promoter shareholder in the company with 8.82% shareholding.

The roots of the state bank of India lie in the first decade of the 19th century, when the bank of Bengal was established on 2ndJune 1806. The bank of Bengal was one of three presidency banks the other two being the bank of Bombay (15th April 1840) and the bank of madras (1stJuly 1843). The presidency banks amalgamated on 27 January 1921 into imperial bank of India. Pursuant to the provisions of the state bank of India act of 1955. The reserve bank of India, which is India’s central bank, acquired a controlling interest in the imperial bank of India. On 1 July 1955, the Imperial bank of India became the state bank of India. In 2008 the government of India acquired the reserve bank of India’s stake in SBI so as to remove any conflict of interest because the RBI is the country’s baking regulatory authority.

On 1stApril, 2017, SBI merged its five associate banks (State Bank Of Bikaner &Jaipur, State Bank Of Hyderabad, State Bank Of Mysore, State Bank Of Patiala And A State Bank Of Travancore) and Bharatiya Mahila Bank with itself. This is the first ever large scale consolidation in the Indian banking industry. With the merger, state bank of India has entered the league of top 50 global banks with a balance sheet size of USD 531 billion, deposits of USD 400 billion, 278,000 employees, 420 million customers, and more than 24,000 branches and 59,000 ATMs. It has more than 33 billion as capital and reserves. After merger, SBI’s commands a market share of more than 23% shares of the domestic banking market. SBI has global presence with 198 offices across 37 countries and 301 correspondents in 72 countries. It is ranked 232nd on the fortune global 500 list of the world’s biggest corporations as of 2016.

SBI’s nonbanking subsidiaries/joint ventures are market leader in their respective areas and provide wide ranging services, which include life insurances, merchant banking, mutual funds, credit cards, factoring services, general insurances, security trading, pension funds, payment solutions, custodial services, making the SBI group a truly large financial supermarket and India’s financial icon. It is leader in digital banking with highest number of internet banking and mobile banking customers. SBI has arrangement with over 1500 various international/local banks to exchange financial messages through swift in all business centres of the world to facilitate trade related banking business, reinforced by dedicated and highly skilled team of professionals.

1) DEFINITION OF THE PROBLEM:

This study will help in understanding the credit appraisal system in SBI at Amravati and to understand how to calculate the credit appraisal process and manage the NPA. This study will help in improving knowledge about the credit appraisal process of SBI and to management risk associated in providing any loans or advances or project finance. This study will give to have practical exposure of the credit appraisal scenario in SBI at Amravati. As a management student to know the patterns of credit appraisal in SBI bank. The reason for this study taking up the project is to know and understand the credit appraisal system in banking sector. The credit appraisal is the major focus of banking industries these days, so the study will help in understanding and analysing the situation prevailing currently.

2) OBJECTIVES OF THE RESEARCH

To study the Credit Appraisal process of State Bank of India (SBI) at Amravati.

· To analysed the various methods of credit appraisal process of SBI bank at Amravati.

· To study the measures credit management of SBI bank at Amravati.

· To identify the factors responsible for NPA of SBI bank at Amravati.

Remember: This is just a sample from a fellow student.

Your time is important. Let us write you an essay from scratch

100% plagiarism free

Sources and citations are provided

Find Free Essays

We provide you with original essay samples, perfect formatting and styling

Cite this Essay

To export a reference to this article please select a referencing style below:

State bank of India (SBI). (2019, February 27). GradesFixer. Retrieved November 25, 2020, from https://gradesfixer.com/free-essay-examples/state-bank-of-india-sbi/
“State bank of India (SBI).” GradesFixer, 27 Feb. 2019, gradesfixer.com/free-essay-examples/state-bank-of-india-sbi/
State bank of India (SBI). [online]. Available at: <https://gradesfixer.com/free-essay-examples/state-bank-of-india-sbi/> [Accessed 25 Nov. 2020].
State bank of India (SBI) [Internet]. GradesFixer. 2019 Feb 27 [cited 2020 Nov 25]. Available from: https://gradesfixer.com/free-essay-examples/state-bank-of-india-sbi/
copy to clipboard
close

Sorry, copying is not allowed on our website. If you’d like this or any other sample, we’ll happily email it to you.

    By clicking “Send”, you agree to our Terms of service and Privacy statement. We will occasionally send you account related emails.

    close

    Attention! this essay is not unique. You can get 100% plagiarism FREE essay in 30sec

    Recieve 100% plagiarism-Free paper just for 4.99$ on email
    get unique paper
    *Public papers are open and may contain not unique content
    download public sample
    close

    Sorry, we cannot unicalize this essay. You can order Unique paper and our professionals Rewrite it for you

    close

    Thanks!

    Your essay sample has been sent.

    Want us to write one just for you? We can custom edit this essay into an original, 100% plagiarism free essay.

    thanks-icon Order now
    boy

    Hi there!

    Are you interested in getting a customized paper?

    Check it out!
    Having trouble finding the perfect essay? We’ve got you covered. Hire a writer

    GradesFixer.com uses cookies. By continuing we’ll assume you board with our cookie policy.