Service sector has assumed greater economic importance over past decade in India.

Banking services are an important part of this sector and facing the most important challenge of delivering quality service to customer. Banking being a high involvement industry, delivering quality services and products to the customer is essential for success and survival in todays global and highly competitive banking environment. To cater to the challenges SBI bank provides many products and services to create a value chain. SBI banks Products and services are generally to meet the demand of differ ent customers.

1)PERSONAL BANKING:
SBI offers a wide range of services in the Personal Banking Segment. Whatever may be the need of the customer - an investment of their surplus funds or to create a fund for their childrens' education and marriage SBI is always ready with its product to suit the requirement.
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SBI TERM DEPOSITS SBI RECURRING DEPOSITS SBI HOUSING LOAN SBI CAR LOAN SBI EDUCATIONAL LOAN SBI PERSONAL LOAN SBI LOAN FOR PENSIONERS LOAN AGAINST MORTGAGE OF PROPERTY LOAN AGAINST SHARES & DEBENTURES RENT PLUS SCHEME MEDI PLUS SCHEME

2) AGRICULTURE
State Bank of India Caters to the needs of agriculturists and landless agricultural labourers through a network of 8750 rural and semi -urban branches. Apart from the branches, there are 428 Agricultural D evelopment Branches (ADBs) which also cater to agriculturists. We are the leaders in agri finance in the country with a portfolio of Rs. 64,000 crores in agri advances covering around 80 lakh accounts.

SBI has covered a whole gamut of agricultural activit ies like crop production , horticulture , plantation crops, farm mechanization, land development and

reclamation, digging of wells, tube wells and irrigation projects, forestry, construction of cold storages and godowns, processing of agri -products, finance to agri-input dealers, allied activities like dairy , fisheries, poultry, sheep -goat, piggery and rearing of silk worms.

To give special focus to agriculture lending Bank has also appointed agri specialists in various disciplines to handle projects/ gu ide farmers in their agri ventures. Advances are given to borrowers for very small activities covering poorest of the poor to hitech activities involving large fund outlays.

To create value for farmers SBI is setting up Agri Commercial Branches (ACBs) which will handle high value agri financing involving large investments. It envisages lending through corporate partnerships and other large enterprises for commodity financing, investment credit, other high value agriculture segments like horticulture, floriculture & food processing etc. It also focuses on Agri related SME including setting up of Rice and Dhal mills, seed processing industry, food processing industry, large and small scale dairy units, etc.

Traditionally, rural business is associated with agriculture and allied activities. Of late however, the trickle down effect of economic growth, renewed focus on infrastructure development, and employment generation in rural areas have led to huge investme nt by the Government in rural India, with a view to bridge the urban and rural divide.

Considering that agriculture would continue to be significant driver of Indian economy, with the possibilities of rapid growth in emerging areas like contract farming, agro-processing and agro-export zones, etc., SBI bank has created a separate Agri Business Unit (ABU) with a distinct organizational structure and with following objective: o Providing focused attention on the banking requirements of the agriculture segment, o Achieving 18% target under agricultural advances as required under priority sector norms,

o Focus on micro finance and SHG opportunities (now part of non -farm sector in Rural Business) o Focus on Key Corporate and Institutional relationships in agriculture, emerging opportunities, and special i nitiatives, as may be necessary o Focus on product development and management, o Reduce NPA levels in Agriculture, o Make agriculture a commercial proposition. ABU has four departments headed by Deputy General Managers. : 1. Agri Business, Planning, Monitoring and Market Intelligence. 2. Corporate and Institutional Relationship. 3. Product Development and Marketin g. 4. RRBs & Lead Bank Department. SBI also has an effective Marketing and recovery team in each region with responsibilities for marketing and building relationships with dealers of agri -products, organizing promotional events and for loan sanction, pro cessing, monitoring and recovery. With a collective effort of Govt. and the people ,SBI is looking towards a continuous growth in the rural and agri development and to become the Banker to Every Indian.

SHG MOVEMENT A MISSION:

SBI has taken up SHG movement as a mission. A noble mission to reach those families who were hitherto having no access to the credit by any formal financial institution and, therefore, were depending on informal sources and moneylenders

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(ii) Special training programmes in SHGs are being conducted at 54 training centres of the Bank in the country apart from State Bank Institute of Rural Development, Hyderabad. (iii) Close liaison with NGOs: Operating functionaries at branch level and region level are in close contact with NGOs in their area to take the movement ahead. For the purpose, regular meetings are arranged with the NGOs and their support is solicited. (iv) SHG cells: Special SHG cells have been opened at major branches.

(v) Lending to NGOs / Federations of SHGs / MFIs: Lending to reputed NGOs / Federations of SHGs on selective basis for on lending to SHGs / JLGs / Individuals is being encouraged (vi) Saha yogNiwas: SBI has launched its Housing Loan product SAHAYOG NIWAS meant for SHG members. Under the scheme formulated keeping the socio economic conditions of villages in sight, housing loans to the extent of Rs.50,000/ are given to the SHG members without any mortgage of house / land. Response to this product is very encouraging (vii) SBI Life - Shakti: SBI Life, our insurance subsidiary, is the first to introduce a life insurance scheme, especially designed for SHG members. Special feature of the scheme is that entire premium amount paid by the member is refunded after maturity, i.e., 10 years. (viii)Rural training institutes: To help the rural youth to stand on their feet, two RSETI type training institutes have been established at Gulbarga and Ga dag in Karnataka State, to impart training in self-employment to rural youth free of cost. (ix) Appreciation by Government: A number of our branches / Circles have also received commendation and appreciation from various State Governments for doing excellent job in SHG-Bank Credit Linkage programme. Bank assigns job of recovery of NPA advances to SHG on contract basis to scale up their viability. (x)Samanwita: Bank has sponsored and financially supported NGO SAMANWITA in collaboration with Government of Orissa for supplementing the process of socio economic upliftmentof the tribal and the downtrodden in the poorest and most backward Kandhamal district of Orissa State where 52% of the population is that of tribal. Core activities performed by Samanwita ar e empowerment of people through promotion of SHGs, especially women SHGs and development of human resources. (xi) SHPI status: State Bank of India is the first Commercial Bank to earn SHPI status.

(xii) SHGs and SHG Federations have been made eligible to work as Business Correspondents / Facilitators to increase banks outreach in unbanked areas to service the underserved effectively and to facilitate income generating activities for SHGs / SHG Federations. (xiii) SBI has been actively encouraging SHGs and their members to migrate to micro enterprise model from lending and savings model facilitating them to scale up to normal customer of banking services.

FUTURE PLANS

SBI has set for itself to hit a target of credit linking 2 million SHGs up to March 2013.

3) CORPORATE BANKING SBI is a one shop providing financial products / services of a wide range for large , medium and small customers both domestic and international.
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WORKING CAPITAL FINANCE PROJECT FINANCE DEFERRED PAYMENT GUARANTEE CORPORATE TERM LOANS STRUCTURED FINANCE DEALER FINANCING CHANNEL FINANCING EQUIPMENT LEASING LOANS SYNDICATION FINANCING INDIAN FIRMS OVERSEAS SUBSIDIARY OR JVS CONSTRUCTION EQUIPMENT LOAN

Working Capital Financing

Assistance extended both as Fund based and Non -Fund based facilities to Corporates, Partnership firms, Proprietary concerns Working Capital finance extended to all segments of industries and services sector such as IT
Term Loans:

To support capital expenditures for setting up new ventures.

Deferred Payment Guarantees :

To support purchase of capital equipments.

Corporate Loans

For a variety of business related purposes to corporates.

Export Credit

To Corporates / Non Corporates Strategic Business Units (i) Corporate Accounts Group (CAG) (ii)Project Finance (iii) Lease Finance An exclusive unit providing one s shopping to Corporates A dedicated set up specialised in financing of infrastructure and other large projects Exclusive set up for handling large ticket leases.
Pricing

SBI's Prime Lending Rates (PLR) are among the lowest Presently Bank has two PLR's SBAR for loans payable on demand and upto one year SBMTLR for loans payable beyond one year.

4)SME
State Bank of India has been playing a vital role in the development of small scale industries since 1956.The Bank has financed over 8 lakhs SSI units in the country. It has 55 specialised SSI branches, 99 branches in industrial estates and more than 400 branches with SIB divisions. The Bank finances for Small Business activities which are of special significance to a large number of people as many ofthese activities can be started with relatively lower investment and with no special skills on the part of the entrepreneurs.

5)Other services:
To help the customers SBI bank provides many other services so that it becomes easier for the customers to use financial services.

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