The Banking industry comes under Financial group. It’s a commodity type industry.

Industry Strengths

Strong demand for banking services including fee based services
Rapid growth in infrastructure to make banking services available through increase in number of branches in semi-urban and rural areas
Implementation of technology like electronic funds transfer to make banking speedier and convenient across cities and countries
Implementation of technologies like mobile banking, internet banking which makes banking simpler and bring down man-power costs

Industry Weakness

High Non-performing Assets (NPA), especially in public sector banks (PSB) due to huge loans to troubled sectors like power, infrastructure etc,
Impact by high RBI policy rates
Impacted by high deposit and savings account interest rates
Impacted by populist measures like waving of loans to farmers and forcing the PSB to lend without adequate security.

Growth Drivers

Strong demand for financial services like housing loans, infrastructure loans, credit cards, mutual funds and insurance business.
Increasing availability of banking in rural areas.
Awareness of the advantages of using banking services.
Rapid urbanization and industrialization leading to demand from small and medium businesses.

SBI is India’s largest commercial bank with balance sheet size of INR ~20tn. The bank provides a range of products and services to personal, commercial enterprises, large corporates, public bodies and institutional customers.

The Company had approximately 22,500 branches and 58,000 ATMs.

Segments and Products

Its segments include
1.Treasury, which includes the entire investment portfolio and trading in foreign exchange contracts and derivative contracts;

2.Corporate/Wholesale Banking, which comprises the lending activities of Corporate Accounts Group, Mid Corporate Accounts Group and Stressed Assets Management Group;

3.Retail Banking, which comprises branches in National Banking Group, which primarily includes Personal Banking activities, including lending activities to corporate customers having banking relations with branches in the National Banking Group,

4.Other Banking Business, which includes the operations of all the Non-Banking Subsidiaries/Joint Ventures other than SBI Life Insurance Co. Ltd. and SBI General Insurance Co. Ltd