Comparative Study of SBI and PNB Bank

1. Project Report on Company analysis
For
Banking sector
In the partial fulfillment of subject – industry analysis and desk research
Of
Master of Business administration
SUBMITTED BY
Mr. Sany Kishor Ambilwade
UNDER THE GUIDANCE OF
PROF. Ranita valve
SUBMITTED TO
University of Pune
Global Institute of Management
132/1 Nasik –Pune Highway, Velhale,
Sangamner – 422605.
(Batch 2016-17)

2. DECLARATION
We, the undersigned, hereby declare that the Project Report of industry analysis and desk
research Semester-II for “BANKING SECTOR”. Submitted by us to University Of Pune, in
partial fulfillment of the requirements for the award of degree of Master of Business
Administration (M.B.A.) under the guidance of Prof. RANITA VALVE. Is our original work and
the conclusions drawn there in are based on the material collected by our self.
Place: Sangamner Signature of Student
Date: Mr. Ambilwade Sany Kishor

3. Acknowledgement
It is a matter of great satisfaction and pleasure to present this report on “Enterprise
analysis. We take this opportunity to owe my thanks to all those involved in my training.
This project report could not have been completed without the guidance of Prof.
RANITA VALVE. I express my gratitude towards Dr. A. A. DESHMUKH Sir (Director, Global
Institute of Management), his timely help & encouragement helped me to complete this project
successfully. Without which the project work could not have been completed.
Research Student
Mr. Ambilwade S.K

4. College Certificate
This is to certify that the project on Enterprise Analysis for MBA-CBCS 2013 pattern Semester –
II For the academic Year 2016-17 was submitted in the partial fulfillment of requirement of
Master’s Degree in Business Administration Programme of University of Pune, and embodies
the bonafide work carried out by
Mr. Ambilwade Sany Kishor
We find the work complete, comprehensive and of significantly high standard to warrant its
presentation for the purpose of MBA examination.
Project Guide Director
(Prof. RANITA VALVE) (Dr. A.A. DESHMUKH)
External

5. INDEX- COMPANY 1
STATEBANKOFINDIA
S.N. Topic Page No.
1 Introduction of Company
History
Vision & Mission
Boardof director
Awards , Achievements & Certifications
2 ResearchMethodology
3 Product Profile
4 Competitors
5 FinancialData
References

6. INDEX- COMPANY 2
PANJAB NATIONAL BANK
S.N. Topic Page No.
1 Introduction of Company
History
Vision & Mission
Boardof director
Awards , Achievements & Certifications
2 ResearchMethodology
3 Product Profile
4 Competitors & Customers
5 FinancialData
References

7. Company 1
STATE BANK OF INDIA

8. Chapter 1
1.1 Introduction of Company
1.2 History
1.3 Vision & Mission
1.4 Awards, Achievements & Certificate
1.5 SWOT Analysis

9. 1.1 INTRODUCTION OF SBI
Type Public
Traded as NSE: SBIN
BSE: 500112
LSE: SBID
BSE SENSEX Constituent
CNX Nifty Constituent
Industry Banking, financial services
Founded 2 June 1806, Bank of Calcutta
27 January 1921, Imperial Bank of India
1 July 1955, State Bank of India
2 June 1956,[1] nationalization
Headquarters Mumbai, Maharashtra, India
Area served Worldwide
Key people Smt. Arundhati Bhattacharya
(Chairperson)
Products Consumer banking, corporate banking, finance and
insurance, investment banking, mortgage loans, private
banking, private equity, savings, securities, asset
management, wealth management, credit cards,
Revenue 257289 crore (US$38 billion) (2015)
Profit 17517 crore (US$2.6 billion) (2015)
Total assets 2700110 crore (US$400 billion) (2015)
Total equity 203417 crore (US$30 billion) (2015)
Owner Government of India
Members 286 million users with 450 million accounts (2016)

10. State Bank of India
is an Indian multinational, public sector banking and financial services company. It is a
government-owned corporation with its headquarters in Mumbai, Maharashtra. As of 2014-15, it
has assets of INR 20,48,080 crores and 16,333 branches, including 191 foreign offices spread
across 36 countries, making it the largest banking and financial services company in India by
assets.
State Bank of India is one of the Big Four banks of India, along with ICICI Bank, Bank of
Baroda and Punjab National Bank.
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" in British India,
Bank of Calcutta and Bank of Bombay, to form the Imperial Bank of India, which in turn
became the State Bank of India. Government of India owned the Imperial Bank of India in 1955,
with Reserve Bank of India (India's Central Bank) 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 India.
State Bank of India is a regional banking behemoth and has 20% market share in deposits and
loans among Indian commercial banks.
Number of employees 222,033 (2014)
Slogan The Banker to Every Indian

11. 1.2 HISTORY
The roots of the State Bank of India lie in the first decade of the 19th century, when the Bank of
Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The Bank of Bengal
was one of three Presidency banks, the other two being the Bank of Bombay (incorporated on 15
April 1840) and the Bank of Madras (incorporated on 1 July 1843). All three Presidency banks
were as joint stock companies and were the result of royal charters. These three banks received
the exclusive right to issue paper currency till 1861 when, with the Paper Currency Act, the right
was taken over by the Government of India. The Presidency banks amalgamated on 27 January
1921, and the re-organised banking entity took as its name Imperial Bank of India. The Imperial
Bank of India remained a joint stock company but without Government participation.
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 banking regulatory authority.
In 1959, the government passed the State Bank of India (Subsidiary Banks) Act. This made SBI
subsidiaries of eight that had belonged to princely states prior to their nationalization and
operational take-over between September 1959 and October 1960, which made eight state banks
associates of SBI. This acquisition was in tune with the first Five Year Plan, which prioritized
the development of rural India. The government integrated these banks into the State Bank of
India system to expand its rural outreach. In 1963 SBI merged State Bank of Jaipur (est. 1943)
and State Bank of Bikaner (est.1944).
SBI has acquired local banks in rescues. The first was the Bank of Bihar (est. 1911), which SBI
acquired in 1969, together with its 28 branches. The next year SBI acquired National Bank of
Lahore (est. 1942), which had 24 branches. Five years later, in 1975, SBI acquired Krishnaram
Baldeo Bank, which had been established in 1916 in Gwalior State, under the patronage of
Maharaja Madho Rao Scindia. The bank had been the Dukan Pichadi, a small moneylender,
owned by the Maharaja. The new bank's first manager was Jall N. Broacha, a Parsi. In 1985, SBI
acquired the Bank of Cochin in Kerala, which had 120 branches. SBI was the acquirer as its
affiliate, the State Bank of Travancore, already had an extensive network in Kerala.

12. There has been a proposal to merge all the associate banks into SBI to create a "mega bank" and
streamline the group's operations.
The first step towards unification occurred on 13 August 2008 when State Bank of Saurashtra
merged with SBI, reducing the number of associate state banks from seven to six. Then on 19
June 2009 the SBI board approved the absorption of State Bank of Indore. SBI holds 98.3% in
State Bank of Indore. (Individuals who held the shares prior to its takeover by the government
hold the balance of 1.7%.)
The acquisition of State Bank of Indore added 470 branches to SBI's existing network of
branches. Also, following the acquisition, SBI's total assets will inch very close to the 10 trillion
mark (10 billion long scale). The total assets of SBI and the State Bank of Indore stood at
9,981,190 million as of March 2009. The process of merging of State Bank of Indore was
completed by April 2010, and the SBI Indore branches started functioning as SBI branches on 26
August 2010.
On October 7, 2013, Arundhati Bhattacharya became the first woman to be appointed
Chairperson of the bank.

13. 1.3 VISION AND MISSON
VISION
 My SBI.
 My Customer first.
 My SBI: First in customer satisfaction
MISSION
 We will be prompt, polite and proactive with our customers.
 We will speak the language of young India.
 We will create products and services that help our customers achieve their goals.
 We will go beyond the call of duty to make our customers feel valued.
 We will be of service even in the remotest part of our country.
 We will offer excellence in services to those abroad as much as we do to those in India.
 We will imbibe state of the art technology to drive excellence.
VALUES
 We will always be honest, transparent and ethical.
 We will respect our customers and fellow associates.
 We will be knowledge driven.
 We will learn and we will share our learning.
 We will never take the easy way out.
 We will do everything we can to contribute to the community we work in.
 We will nurture pride in India

14. Board of director

15. 1.4 AWARDS AND ACHIEVEMENT
ACHIVEMENTS:
he covetedawardsinclude:
 GoldenPeacockAwardforSustainability,London.
 GoldenPeacockAwardforCorporate Social Responsibility,Mumbai .
 Indo- AmericanChamberof Commerce BestBankAward,Mumbai.
 Global Finance Magazine,NewYork'Best EmergingMarketsBank inAsiaPacific2015' Award.
 WorldBrandingForum,London'Brand of The Year Award'.
 BFSIEnvironmental Award,Singapore.
 CMO AsiaAwardfor BestCSR Practices,Mumbai.
 BusinessWorldMagazine 'SociallyResponsible Bank'Award,Mumbai.
 GoldenGlobe TigersAwardsforCSRbestPractices& InnovationsinCSR. - KualaLumpur.
AWARDS:
 SBI was ranked as the top bank in India based on tier 1 capital by The Banker magazine
in a 2014 ranking
 SBI was ranked 298th in the Fortune Global 500 rankings of the world's biggest
corporations for the year 2012
 SBI was named the 29th most reputed company in the world according to Forbes 2009
rankings
 SBI was 50th Most Trusted brand in India as per the Brand Trust Report 2013, an annual
study conducted by Trust Research Advisory, a brand analytics company and
subsequently, in the Brand Trust Report 2014,
 SBI finished as India's 19th Most Trusted Brand in India.
 State Bank of India won the developer award for Central Plan Scheme Monitoring
System
 SBI received the awards for retail core banking and overall retail technology
project of the year.
 SBI, the only Indian bank to get the award, was among 250 countries.

16. 1.5 SWOT ANALYSIS
Strengths
1. SBI is the largest bank in India in terms of market share, revenue and assets.
2. As per recent data the bank has more than 13,000 outlets and 25,000 ATM centres
3. The bank has its presence in 32 countries engaging currency trade all over the world
4. The bank has a merged with State Bank of Saurashtra, State bank of Indore and the bank
is planning to go further acquisition in the current FY2012.
5. SBI has the first mover advantage in commercial banking service
6. SBI has recently changed its vision and mission statements showing a sign of inclination
towards new age banking services
Weakness
1. Lack of proper technology driven services when compared to private banks
Employees show reluctance to solve issues quickly due to higher job security and
customers’ waiting period is long when compared to private banks
The banks spends a huge amount on its rented buildings
2. SBI has the largest number of employees in banking sector, hence the bank spends a
considerable amount of its income in employee’s salary compensation
In spite of modernization, the bank still carries the perception of traditional bank to new
age
3. Customers SBI fails to attract salary accounts of corporate and many government sector
employees salary accounts are also shifted to private bank for ease of operations unlike
before

17. Opportunities
1. SBI’s merger with five more banks namely State Bank of Hyderebad, State bank of
Patiala, State bank of Bikaber and Jaipur, State of bank of Travancore and State bank of
Mysore are in approval stage
2. Mergers will result in expansion of market share to defend its number one position
SBI is planning to expand and invest in international operations due to good inflow of
money from Asian Market
3. Since the bank is yet to modernize few of its banking operations, there is a better scope of
using advanced technologies and software to improve customer relations
4. Young and talented pool of graduates and B schools are in rise to open new horizon to so
called “old government bank”
Threats
1. Net profit of the year has decline from 9166.05 in the year FY 2010 to 7,370.35 in the
year FY2011
2. This shows the reduce in market share to its close competitor ICICI
Other private banks like HDFC, AXIS bank etc
3. FDIs allowed in banking sector is increased to 49% , this is a major threat to SBI as
people tend to switch to foreign banks for better facilities and technologies in banking
service
4. Other governments banks like PNB, Andhra, Allahabad bank and Indian bank are
showing
Customer prefer to switch to private banks and financial service providers for loans and
mortgages, as SBI involves stringent verification procedures and take long time for
processing.

18. CHAPTER2
Research methodology
Tools and techniques for DataCollection:
1. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and
also website of bank and previous research papers that had been conducted by the
company representatives and officials.
Tools and techniques of Analysis:
Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in
addition to factor analysis method are used to analyze the data

19. Chapter No .3
Product Profile
PRODUCTS AND SERVICES
 Working Capital Finance
Project Finance
Deferred Payment Guarantees
Corporate Term Loans
Structured Finance
Dealer Financing
Channel Financing
Equipment Leasing
Loan Syndication
Financing Indian Firms Overseas Subsidiaries or JVs
Construction Equipment Loan
 Cash Management Products

20. Chapter No .4
Competitors
Of
State bank of India
Company Name Current Price
Previous
Price
High Price Low Price
State Bank Of Bikaner and Jaipur 501.00 500.45 504.00 500.10
State Bank of Travancore 387.90 406.80 387.90 382.00
State Bank Of Mysore 368.10 421.75 372.90 368.10
Canada Bank 187.75 265.95 188.30 184.90
Bank of Baroda 142.55 175.20 142.95 140.80

21. Source:
(http://www.sify.com/finance/stockpricequote/State_Bank_of_India-
SBI/competitors.html)
Chapter 5
Financial Data

22. BALANCE SHEET OF SBI
Mar '15 Mar '14 Mar '13 Mar '12 Mar '11
Capital and Liabilities:
Total Share Capital 746.57 746.57 684.03 671.04 635.00
Equity Share Capital 746.57 746.57 684.03 671.04 635.00
Share Application Money 0.00 0.00 0.00 0.00 0.00
Preference Share Capital 0.00 0.00 0.00 0.00 0.00
Reserves 127,691.65 117,535.68 98,199.65 83,280.16 64,351.04
Net Worth 128,438.22 118,282.25 98,883.68 83,951.20 64,986.04
Deposits 1,576,793.24 1,394,408.51 1,202,739.57 1,043,647.36 933,932.81
Borrowings 205,150.29 183,130.88 169,182.71 127,005.57 119,568.96
Total Debt 1,781,943.53 1,577,539.39 1,371,922.28 1,170,652.93 1,053,501.77
Other Liabilities & Provisions 137,698.05 96,412.96 95,455.07 80,915.09 105,248.39
Total Liabilities 2,048,079.80 1,792,234.60 1,566,261.03 1,335,519.22 1,223,736.20
Mar '15 Mar '14 Mar '13 Mar '12 Mar '11
Assets
Cash & Balances with RBI 115,883.84 84,955.66 65,830.41 54,075.94 94,395.50
Balance with Banks, Money at Call 58,977.46 47,593.97 48,989.75 43,087.23 28,478.65
Advances 1,300,026.39 1,209,828.72 1,045,616.55 867,578.89 756,719.45
Investments 495,027.40 398,308.19 350,927.27 312,197.61 295,600.57
Gross Block 9,329.16 8,002.16 6,595.71 5,133.87 4,431.96
Revaluation Reserves 0.00 0.00 0.00 0.00 0.00
Accumulated Depreciation 0.00 0.00 0.00 0.00 0.00
Net Block 9,329.16 8,002.16 6,595.71 5,133.87 4,431.96
Capital Work In Progress 0.00 0.00 409.31 332.68 332.23
Other Assets 68,835.55 43,545.90 47,892.03 53,113.02 43,777.85
Total Assets 2,048,079.80 1,792,234.60 1,566,261.03 1,335,519.24 1,223,736.21
Contingent Liabilities 1,093,422.51 1,091,358.37 993,018.45 899,565.18 790,389.59
Bills for collection 0.00 0.00 0.00 0.00 0.00
Book Value (Rs) 172.04 1,584.34 1,445.60 1,251.05 1,023.40
Source : Dion Global Solutions Limited

23. Company 2
PANJAB NATIONAL BANK

24. INDEX 2
S.N. Topic Page No.
1 Introduction of Company
History
Vision & Mission
Boardof director
Awards , Achievements & Certifications
2 ResearchMethodology
3 Product Profile
4 Competitors & Customers
5 FinancialData

25. Chapter 1
1.1 Introduction of Company
1.2 History
1.3 Vision & Mission
1.4 Awards, Achievements & Certificate
1.5 SWOT Analysis

26. Introduction of Company
Punjab National Bank
Type Public
Traded as
BSE: 532461
NSE: PNB
CNX Nifty Constituent
Industry Banking, Financial services
Founded 19 May 1894
Founder Lala Lajpat Rai
Headquarters New Delhi
Key people
Usha Ananthasubramanian (MD &
CEO)
Products
Credit cards, consumer banking,
corporate banking, finance and
insurance, investment banking,
mortgage loans, private banking,
private equity, wealth

27. management
Revenue 47400 crore (US$7.0 billion)(2013)
Net income
4748 crore (US$700 million)
(2013)
Total assets
478877 crore (US$70 billion)
(2013)
Owner Government of India
Number of
employees
62,392 (March 2013)
Website www.pnbindia.in

28. History
Punjab National Bank was registered on 19 May 1894 under the Indian Companies Act, with its
office in Anarkali Bazaar, Lahore. The founding board was drawn from different parts of India
professing different faiths and a varied back-ground with, however, the common objective of
providing country with a truly national bank which would further the economic interest of the
country.[1] PNB's founders included several leaders of the Swadeshi movement such as Dyal
Singh Majithia and Lala Harkishan Lal, Lala Lalchand, Shri Kali Prosanna Roy, Shri E.C.
Jessawala, Shri Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass.[6][7] Lala Lajpat Rai
was actively associated with the management of the Bank in its early years. The board first met
on 23 May 1894.[1] The bank opened for business on 12 April 1895 in Lahore.
PNB has the distinction of being the first Indian bank to have been started solely with Indian
capital that has survived to the present. (The first entirely Indian bank, Oudh Commercial Bank,
was established in 1881 in Faizabad, but failed in 1958.)
PNB has had the privilege of maintaining accounts of national leaders such as Mahatma Gandhi,
Jawahar Lal Nehru, Lal Bahadur Shastri, Indira Gandhi, as well as the account of the famous
Jalianwala Bagh Committee

29. Vision & Mission
Corporate Mission
Vision
To be a Leading Global Bank with Pan India footprints and become a household brand in the
Indo-Gangetic Plains providing entire range of financial products and services under one roof"
Mission
"Banking for the unbanked"

30. Board of director

31. Awards, Achievements & Certificate
Awards & Achievements of Punjab National Bank in Recent Times
* PNB BAGS "THE BANKING FRONTIERS-INSPIRING WORKPLACE AWARDS
2015" FOR "BEST HR AND TALENT PRACTICES"
* PNB BAGS ABP NEWS BRAND EXCELLENCE AWARD 2015
UNDER BANKING FINANCIAL SERVICES AND INSURANCE CATEGORY
* PNB BAGS ASSOCHAM SOCIAL BANKING EXELLENCE AWARD 2015
UNDER RURAL BANKING CATEGORY (LARGE BANK)
* PNB BAGS CIMSME- BANKING EXCELLENCE AWARD 2015
BEST BANK AWARD FOR PMJDY (LARGE BANK)
* PNB BAGS IBA BANKING TECHNOLOGY AWARD 2015
* MSME Banking Excellance Award 2014
* PNB bags RBI Rajbhasha Award 2014

32. * Best RSETI Award 2013-14 (Large Bank Category)
* Annual Social Banking Excellence Award 2014
* ‘Golden Peacock Business Excellence Award 2014’ by Institute of Directors
* PNB RECEIVED AWARD FOR CSR ACTIVITY 2014
* PNB bags Golden Peacock award for innovative Product/Service
for the year 2014
* Vigilance Excellence Award 2013-14
* ABP News presented PNB withGlobal CSR Excellence and
Leadership Award for “Organisations with Best CSR Practices”
on 17.02.2014
* Punjab National Bank conferred with Appreciation Certificate in
6th Global CSR Summit - cum – Excellence Awards

33. SWOT Analysis
SWOT Analysis
Strengths
1. Diversified operations with 5100 branches
2. Strong I. T support with “best fit” approach
3. Schemes for small and medium scale businesses
4. It is the second largest state-owned commercial bank in India
with about 5000 branches across 764 cities
5. Its 56,000+ workforce serves over 37 million customers
Weaknesses
1. Less penetration in the urban areas
2. Inadequate advertising and branding as compared to other banks
3. Legal issues regarding employees caused a bad name of PNB
Opportunities
1. Small scale business banking across India
2. Expansion in other countries for international banking
3. Installation of more ATM’s and better customers services
Threats
1. Economic crisis and economic fluctuations
2. Highly competitive environment
3. Stringent Banking Norms by the RBI and the Govts

34. Research Methodology
Tools and techniques for DataCollection:
1. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and
also website of bank and previous research papers that had been conducted by the
company representatives and officials.
Tools and techniques of Analysis:
Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in
addition to factor analysis method are used to analyze the data

35. Product Profile
SCHEMES / PRODUCTS / SERVICES
Punjab National Bank, is extensively catering to banking needs of Non-resident Indians,
Importers & Exporters particularly relating to foreign exchange business including Imports &
Exports of Goods & Services as also Remittances etc.
PNB OFFERS VARIOUS SCHEMES / PRODUCTS /SERVICES RELATING TO
INTERNATIONAL BANKING. THE BROAD DETAILS THRREOF ARE AS UNDER
 Foreign Currency Non-resident Deposit A/c Scheme (FD)
 Non-resident External Deposit A/c Scheme (SB/CA/FD)
 Non-resident Ordinary Deposit A/c Scheme (SB/CA/FD/RD)
 Foreign Inward Remittances – Rupee Drawing Arrangements / Speed Remittances with
Exchange Houses
 Money Transfer Schemes
 PNB-NRI REMIT Scheme
 Exchange of Foreign Currency Travellers Cheques/Notes
 World Travel Card
 Buyers’ / Suppliers’ Credit against Imports into India
 Letter of Guarantee (issued on behalf of foreign bank)
 Precious Metal Business (on consignment basis)
 Gold (Metal) Loan Scheme for Domestic Jewellery Manufacturers.
 ECGC – Bank assurance - Selling of policies to exporters
DETAILED INFORMATION ABOUT THE ABOVE PRODUCTS / SERVICES IS
AVAILABLE AT BANK’S SELECT DESIGNATED BRANCHES AUTHORIZED TO
DEAL IN FOREIGN EXCHANGE.

36. Competitors of Punjab National Bank
Competition
Name Last Price Market Cap.
(Rs. cr.)
Net Interest
Income
Net Profit Total Assets
SBI 183.85 142,718.66 152,397.07 13,101.57 2,048,079.80
Bank of Baroda 143.90 33,247.38 42,963.55 3,398.43 714,988.55
PNB 83.00 16,297.86 46,315.36 3,061.58 603,333.60
IDBI Bank 64.65 12,283.85 28,153.99 873.39 356,030.58
Central Bank 68.20 11,309.42 26,408.78 606.45 311,940.49
Canara Bank 184.80 10,034.47 43,750.04 2,702.63 548,000.55
(Source:
http://www.moneycontrol.com/competition/punjabnationalbank/comparison/PNB05)

37. Financial data
Balance Sheet of Punjab National Bank ------------------- in Rs. Cr. -------------------
Mar '15 Mar '14 Mar '13 Mar '12 Mar '11
Capital and Liabilities:
Total Share Capital
Equity Share Capital 370.91 362.07 353.47 339.18 316.81
Share Application Money 370.91 362.07 353.47 339.18 316.81
Preference Share Capital 0.00 0.00 0.00 0.00 0.00
Reserves 0.00 0.00 0.00 0.00 0.00
Net Worth 37,321.06 34,125.07 30,894.58 26,028.37 19,720.99
Deposits 37,691.97 34,487.14 31,248.05 26,367.55 20,037.80
Borrowings 501,378.64 451,396.75 391,560.06 379,588.48 312,898.73
Total Debt 45,670.55 48,034.41 39,620.92 37,264.27 31,589.69
Other Liabilities & Provisions 547,049.19 499,431.16 431,180.98 416,852.75 344,488.42
Total Liabilities 17,204.89 15,093.44 15,019.15 13,524.18 12,328.27
601,946.05 549,011.74 477,448.18 456,744.48 376,854.49
Mar '15 Mar '14 Mar '13 Mar '12 Mar '11
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call 24,224.94 22,245.58 17,886.25 18,492.90 23,776.90
Advances 31,709.23 22,972.87 9,249.13 10,335.14 5,914.32

38. Investments 380,534.40 349,269.13 308,725.21 293,774.76 242,106.67
Gross Block 151,282.36 143,785.50 129,896.19 122,629.47 95,162.35
Revaluation Reserves 3,551.48 3,419.74 3,357.68 3,168.86 3,105.60
Accumulated Depreciation 1,387.55 1,408.18 1,428.85 1,449.53 1,470.76
Net Block 0.00 0.00 0.00 0.00 0.00
Capital Work In Progress 2,163.93 2,011.56 1,928.83 1,719.33 1,634.84
Other Assets 0.00 0.00 0.00 0.00 0.00
Total Assets 12,031.19 8,727.10 9,762.58 9,792.88 8,259.42
601,946.05 549,011.74 477,448.19 456,744.48 376,854.50
Contingent Liabilities
Bills for collection 293,586.00 238,008.93 231,810.55 224,750.05 138,915.26
Book Value (Rs) 0.00 0.00 0.00 0.00 0.00
203.24 952.50 884.03 777.39 632.48
Source : Dion Global Solutions Limited

39. References

40. References for collecting data about
State Bank of India
References
1. https://www.sbi.co.in/
2. http://rbidocs.rbi.org.in/rdocs/content/PDFs/90028.pdf
3. "AnnualReport2012-13" (PDF). SBI. 23 May 2013. Retrieved 10 October2013.
4. "Fortune'Global 500' 2013:State Bankof India".CNN.Retrieved 10 October2013.
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