State Bank Of India ( Sbi )

Santander Bank, formerly known as Sovereign Bank, is a wholly owned subsidiary of Banco Santander, a Spanish bank. The bank mainly operates within the North Eastern region of the United States, with its headquarters based in Boston, Massachusetts. Santander bank offers various financial services and products, among them retail banking, mortgages, corporate banking, capital markets, insurance, cash management, trust and wealth management as well as insurance. The bank holds over $77 billion in assets, and has 650 branches. It also has over 2000 ATMs and employs 9800 employees.

This case is about all the banking activities carried out by SBI bank in the rural areas. Where SBI bank appoints BC's who work on behalf of them in areas where SBI can't initiate the process themselves. The case also consists personal experiences of a marketing executive who used to work for the business correspondent and consumer behaviour of rural people are included in the case study.

When you drive up to your bank or walk up to your teller, your main goal is to complete your transaction and move on with your day. The last thing on your mind is how that transaction is taking place. You don’t care what happens behind the scenes as long as your money is where it needs to be and is safe. As the banking and finance industry has transformed, so has the process of how your money is handled. To accompany those changes, regulators and lawmakers create laws designed to protect consumers, banks, and the economy as a whole. As you will learn, the history of the banking industry has changed drastically over the last two thousand years and even more so in the last century with the advance of technology. It only makes sense that those lawmakers must continue to update and invent new regulation to further protect those interested parties. My goal is to demonstrate just how rapidly and radically the finance industry has changed and how new elements being introduced to finance and banking will adapt the industry and the regulation.

Canadian Imperial Bank of Commerce or CIBC as most know it, has been operating since 1867. They are a profit corporation that offers public banking and financial services to individuals, small businesses, and also other corporations. CIBC is a Canadian corporation that has branched out and now does business in Europe, Asia, Australia, Latin America, and of course The United States (Wikipedia).

Indian Banking System: For the past three decades India's banking system has several outstanding achievements to its credit. The government's regular policy for Indian bank since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below:

The SBI Kohinoor Banjara branch received many account opening requests within a few days of its opening. In addition, it also broke even in

Bank of America has always been a big-name finance company in the United States. My mother has worked for the company for over 23 years, and has always informed me that they are a terrible organization. Therefore, I should not have been surprised when they appeared in the book, as one of many famous companies that have received subsidies on the basis of creating new jobs, only to lay-off its employees shortly thereafter. Bank of America has done this twice in the past 20 years: once in 1993 and again in 2004. Specifically, in 1993 the Bank received $18 million in subsidies to move their employees into the world trade center, in return, they were supposed to retain 1700 jobs, but five years later they

The Royal Bank of Canada (RBC) ranks at the top among 4 other banks in Canada leading the industry with $38 billion in revenue, and has over 79, 000 employees and 16 million clients worldwide. Founded in 1864 in Halifax, Nova Scotia, RBC has expanded its operations internationally with subsidiaries in investment and corporate banking, and investment brokerage (RBC, 2016).

The graph above is displaying the gross profit margin of Bank of America, Morgan Stanley, and JP Morgan Chase. All three corporations suffered declines in their gross profit margins from 2007 through 2009. This decrease is in relation to the economic downfall that occurred during that time period. These corporations suffered decreases in revenue. While their revenues decreased, their cost of goods sold continued to increase. They were not able to account for the increase in expenses until year 2010 when their revenues picked back up.

The Bank of United States has a profound history indeed. The bank was established in 1791 to act as a storae place for federal funds as well as the government’s monetary agent. This bank was initially proposed by Alexander Hamilton and was granted a twenty-year charter by Congress. This would not go over very well with the Jeffersonians due to the fact they believed the bank represented dominance of mercantile over agrarian interest and unconstitutional use of federal power. (footnote) The first Bank of United States however did open in Philadelphia in 1791 with branches in eight different cities. The bank conducted general commercial business as well as acting on behalf of the government. The bank appeared to be a triumph as it was managed well and was actually very lucrative.

The Royal Bank of Canada (RBC, RBC Royal Bank, or RBC Financial Group) is the largest banking institution in Canada. RBC serves more than 18 million clients and has over 80,000 employees distributed all over the world (RBC 2008). The company corporate headquarters are located in Montreal, Quebec, and its operational head office is in Toronto, Ontario. RBC is listed as the largest Canadian company by revenue and market capitalization by The Globe and Mail and was ranked at 50 in the 2013 Forbes Global 2000 listing. The company has operations in Canada, and 51 other countries (RBC 2011). In May 2004, the Royal Bank of Canada experienced a crisis which involved a programming change to an essential piece of banking software. Generally, this is

The human resource department is an integral part of any organization. This is especially in the case of Bank of America where the human resource is at the core of its mission. Taking care of the human resource is of utmost important because it is the people who make up the organization and it is the people who actually bridge the objectives of the organization into action. The people are an important resource in any organization because they are the major source of ideas and active executers of service of any organization. The Bank of

level of competition and prove a potential threat for the market share of SBI bank.

Punjab National Bank is one of the Big Four banks of India, along with State Bank of India, ICICI Bank and Bank of Baroda It is the third largest bank in India in terms of asset size (billion by the end of FY 2012-13). The bank has been ranked 248th biggest bank in the world by the Bankers ' Almanac..

➢ Every year they publish their annual report, so my required data of these banks are available.