K.
MADHUMATHI
1491022
GROUP:8
INTRODUCTION
CEO OF THE BANK :
Mr.V.G. Mathew has been
Managing Director, Chief
Executive Officer and
Executive Director of The
South Indian Bank Ltd.
since October 1, 2014.
SIB:
The South Indian Bank
was incorporated on
January 25, 1929 in
Thrissur, Kerala
HISTORY OF THE BANK
South Indian Bank is now one of the leading
scheduled commercial banks in India with a
strong focus on technology and customer
service
It was included in the second schedule of
the Reserve Bank of India and became a
scheduled Bank on 07-08-1946.
SIB was the first scheduled Bank in the
private sector in Kerala to get the license
under section 22 of the Banking Regulation
Act 1949 from RBI on 17-06-1957
PRODUCT PROFILE:
Personal Banking-Accounts/Deposits
Loans and Insurance
NRI Banking
Business Banking-Business Accounts
Domestic/International Finance
MARKET SHARE :
The market share is about 7% of the
banking industry
NO OF EMPLOYEES:6700 Employees
FUNCTION OF THE BANK
Accepting deposits from the public
Loans and Advances
Agency services
General Utility Services
AW ARD S/RECO G N ITIO N :
South Indian Bank, won 4 coveted national
awards in mid-sized bank category
1. Best Banker Award,
2. Best Private Sector Banker Award,
3. Best Banker- All Round Expansion Award
and
4. Best Banker - Efficiency and Profitability
Award
In the Sunday Standard Best Bankers -2013
O rganisationalchart:
VARIOUS DEPARTMENTS IN SIB
Managing Directors Secretariat
Accounts Department
DICT
Corporate Financial Management
Inspection and Vigilance Department
Legal Department
NRI Division
Marketing Department
Treasury Department
MICRO AND MACRO
ANALYSIS:
SIB is introducing various technological products
to cater the requirements of its customers. No of
branches at present is 816 and 1067 ATMS.
It has proposed to open new branches and
achieve 1000 branches in the current Financial
Year.
At Macro level Interest rate , CRR tools helps in
controlling inflation. Banks lending for industry
will improve the industry at large which in turn
increases GDP .
BUSINESS PERFORMANCE:
PARAMETER
2013-2014
2012-2013
DEPOSITS
47491.0
44262.00
7%
GROSS
ADVANCE
36403.0
32014.00
14%
TOTAL GROSS
BUSINESS
83894.0
0
76276.00
10%
CAPITALS AND
RESERVES
3368.05
3003.61
12%
EARNINGS PER
SHARE
3.77
4.00
-6%
NET NPA AS % 0.78
OF NET
ADVANCES
0.78
SW O T AN ALYSIS
STRENGTH
WEAKNESS
Strong regulatory
impact of RBI
Intellectual staf
Core banking
Bank is among the
first in the private
sector to open a NRI
branch in 1992
The bank is not willing
to go beyond the
conservative concept
of banking which in
turn afects the
growth and advances
Contd
OPPORTUNITIES
THREATS
SIB Ltd is the only old
generation bank with
a good loyal staf and
customers and ample
experience of 80
years, which can be
leveraged for higher
growth.
The bank has to
improve their
networking and
visibility otherwise, it
cannot grow.
PESTEL ANALYSIS
POLITICAL:
RBI regulation- with
respect to capital
and liquidity in India
is an advantage in
terms of credibility
over other countries
SOCIAL:
People have shifted
to borrow from
Banks instead of
money lenders
ECONOMIC:
Policy rates has to
be changed in
accordance with the
quarterly RBI Policy
TECHNOLOGICAL:
Updation of
Technology
products-ATM,
Mobile Banking,
Internet banking ,M
Pass book etc.. will
help to capture the
Youngsters market
ENVIRONMENT FACTOR:
Increase in avenues for investment
will increase the industrial lending for
banks.
LEGAL FACTOR:
Banking Regulation Act Intervention
by RBI
Share price of the company :
Current share price of the banks
share is Rs 27.90
THANK YOU
