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The Secret to Becoming a Market Leader

  • Graham Kenny

market leader business plan

You can define the playing field.

Winning companies aren’t led by customers.  They target the customers they want, they then do as much as they can to satisfy those customers’ needs, and they don’t let themselves get distracted.

The best-kept secret about strategy is that you are in control. You get to choose the game you want to play and how you might win it . Further, you can choose to lead on a variety of dimensions – market share, innovation, product quality, or customer service. You can tip the odds of success in your favor with these decisions.

market leader business plan

  • Graham Kenny is CEO of  Strategic Factors and author of the book Strategy Discovery.   He is a recognized expert in strategy and performance measurement who helps managers, executives, and boards create successful organizations in the private, public, and not-for-profit sectors. He has been a professor of management in universities in the U.S., and Canada.  You can connect to or follow him on  LinkedIn .

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What Is a Market Leader? Defintion, Traits, and Examples

market leader business plan

Yarilet Perez is an experienced multimedia journalist and fact-checker with a Master of Science in Journalism. She has worked in multiple cities covering breaking news, politics, education, and more. Her expertise is in personal finance and investing, and real estate.

market leader business plan

What Is a Market Leader?

A market leader is a company with the largest  market share  in an industry that can often use its dominance to affect the competitive landscape and direction the market takes. A market leader typically enjoys the largest market share or the largest percentage of total sales in a given market. It may surpass its competitors according to other metrics, too, including brand loyalty, perceived value, distribution coverage, image, price, promotional spending, and profit.

Such a company may be the first to develop a product or service, which would allow it to set the tone for messaging, define the ideal product characteristics, and to become considered by the market as the brand that consumers associate with the offering itself.

Key Takeaways

  • A market leader usually holds the largest market share in a particular industry.
  • Market leaders may also be the first to develop certain products or services.
  • Apple and Amazon are examples of market leaders.

How Market Leadership Works

A company can establish itself as the market leader by being the first to offer a product or service. The product or service must be novel enough to attract a consumer base, and then the company must keep on top of consumer preferences to maintain leadership. If a company enters a market as a competitor to the  first mover (s), it can aggressively market its own version of the product with differentiated features. Competitors that seek market leadership status may invest heavily in  market research  and product development, and then use consumer information to develop attributes that improve an existing product.

Market leaders may be able to leverage economies of scale to control market prices. Consumers trust market leaders and will choose to minimize risk by purchasing from market leaders. Market leaders have a detailed awareness of the purchasing decision-makers in their customer base and leverage aggressive advertising to take advantage of that knowledge while strengthening their brand. Market leaders attract the highest-quality development partners and are most likely to be innovative in adopting the technologies and processes that will help them continue to outshine their competition.

Examples of Market Leaders

Maintaining a dominant market share requires a company to not only retain its existing customers by building  brand loyalty  but also attract new customers who may be unfamiliar with the product or service. The company may also attract the customers of competitors by figuring out the ideal combination of quality and price. In this modern age of the internet, it is easy to identify consumer-oriented market leaders, such as Apple, Google, and Amazon. In capital goods, Boeing and Caterpillar are two examples.

Market leaders have to be careful when it comes to how they use and obtain their market share. If a company becomes too dominant in the market, or if it seems to be abusing its position, it may become subject to  anti-trust  lawsuits.  Microsoft  once became a target of regulators, for example. Also, from an investor's perspective, a market leader may not necessarily be the most profitable. Despite having the most market share, it could be the case that the company's total expenses, including product R&D, manufacturing costs, marketing costs, etc., are too high to make the company the most profitable among its competitors.

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Real Estate | How To

How to Write a Real Estate Business Plan (+ Free Template)

Published June 30, 2023

Published Jun 30, 2023

Gina Baker


Jealie Dacanay

WRITTEN BY: Jealie Dacanay

This article is part of a larger series on How to Become a Real Estate Agent .

  • 1 Write Your Mission Statement
  • 2 Conduct a SWOT Analysis
  • 3 Set Specific & Measurable Goals
  • 4 Plan Your Marketing Strategies & Tactics
  • 5 Create a Lead Generation & Nurturing Strategy
  • 6 Calculate Your Income Goal
  • 7 Set Times to Revisit Your Business Plan
  • 8 Why Agents Need a Real Estate Business Plan
  • 9 Real Estate Business Plan Examples & Templates
  • 10 Bottom Line
  • 11 Frequently Asked Questions (FAQs)

A real estate business plan lays the groundwork and provides direction on income targets, marketing tactics, goal setting, lead generation, and an overview of your industry’s competition. It describes your company’s mission statement in detail and assesses your SWOT (strengths, weaknesses, opportunities, and threats) as an organization. Business plans should include measurable goals and financial projections that you can review periodically throughout the year to ensure you meet your goals.

Continue reading to see real estate business plan examples and discover how to write a real estate business plan. Start by making your own by downloading and using the free real estate business plan template we’ve provided below.


Real Estate Business Plan Template

Real estate business plan template.

Thank you for downloading!

💡Quick tip:

Market Leader provides a comprehensive paid inbound lead, automated marketing, and CRM solution to help agents acquire, engage, and nurture real estate leads.

Furthermore, Market Leader offers and guarantees you a number of exclusive seller and buyer leads in your target niche at a monthly rate.

1. Write Your Mission Statement

Every real estate agent’s business plan should begin with a mission statement, identifying your values and why your business exists. Your mission statement serves as the guide to achieving your ultimate business objective. When you create a solid clear mission statement, all other items identified in your realtor business plan should be aimed at fulfilling this statement.

A screenshot of Compass' website.

Compass’ mission statement: “Our mission is to help everyone find their place in the world.” (Source: Compass )

Your mission statement should identify your target audience, what product or service you provide, and what makes your business distinct. As seen in the example above, a powerful mission statement should be short and concise but sums up a business objective.

Let’s take Compass’ mission statement above as an example: “Our mission is to help everyone find their place in the world.” The statement identifies what the company offers, for what reasons, and who it benefits.

2. Conduct a SWOT Analysis

SWOT is an acronym that stands for a business’ strengths, weaknesses, opportunities, and threats. The primary objective of these four elements is to assess a business by evaluating internal and external factors that can drive decision-making and help you make more money . Conducting a SWOT analysis as you develop your business plan for real estate uncovers opportunities to differentiate yourself from the massive competition currently on the market.

Strengths & Weaknesses

Strengths and weaknesses are internal parts of your organization. Strengths identify what product or services you provide better than others, your access to resources, and items that benefit your customers. Weaknesses are items that need improvement, lack of resources, or what your competition does better. These are items within your control to change because you can convert a weakness into a strength.

See the example below if “Agent X” was doing their SWOT analysis:

Opportunities & Threats

External factors drive opportunities and threats and are areas you can take advantage of to benefit your business. Examples of opportunities can be shifts in the current marketplace, emerging trends you can capitalize on, features that competitors lack, or even changes with your competitors. Threats, on the other hand, are anything that can negatively impact your business. You don’t have control over changing the opportunities or threats, but you can develop a practice to anticipate and protect your business against the threats.

The opportunities and threats for “Agent X” would be:

When you complete your SWOT analysis, use it as a guide when creating strategies to meet your business objectives. To gain the most benefit from creating a SWOT analysis, make sure you are being realistic about your business and evaluating it in its present state. You don’t want to be unrealistic by listing strengths or opportunities that don’t exist yet, and you want to allocate time and money to the most impactful solution to your business issues.

If “Agent X” completed the above SWOT analysis, a few strategies they could derive would be:

  • Incentivize agents to keep them at the brokerage for longer
  • Implement a technology-based key machine to reduce lost keys and keep the team accountable
  • Find a competitive advantage against competing brokerages and use that in marketing messages

Example of Zillow Premier Agent Agent Finder advertising for three featured agents.

Zillow agent finder (Source: Zillow )

To help agents locate other brokerages operating in your preferred market, agents can use Zillow’s agent finder page as a research tool to see which agents or brokerages are operating in a specific area. You can find an agent by location, name, specialty, and language. Once you click on a Zillow profile , you can read their reviews, see their team members, contact and website information, and property listings. Take a deep dive into your competitor profiles and can use the information to implement strategies within your own business.

Visit Zillow

Read how our experts feel about this real estate lead generation company in our Zillow Premier Agent review .

3. Set Specific & Measurable Goals

You’re ready to set some business goals after clearly defining your mission statement and SWOT analysis. Goals can help set the tone to increase your performance and drive your business in the right direction. Your goals should have a definitive way to show progress, which can be a prime motivator to keep you on track to achieving them.

Each goal should follow a pattern to identify set criteria. This will ensure that your daily efforts are performed to meet business objectives within a set period. A way to do this is by using SMART goals:

Examples of SMART goals for agents or brokerages:

  • Increase closed transactions by 20% to a total of 150 deals within the next year
  • I will ask all closed clients for a referral and review within 30 days of closing the deal

Goals can be split into short-term and long-term goals. Short-term goal lengths vary between days and weeks but do not exceed six months. Short-term goals can also be worked on simultaneously with long-term goals. Long-term goals can take up to six months or more to complete and require careful planning and perseverance. A mix of short-term and long-term goals will help you maintain motivation.

All goals are equally important; however, success will stem from how you prioritize each one. Slowly add on additional goals as you have the capacity and feel comfortable with the current progress of your current set of goals. Without identifying your business goals, you’ll leave your results up to luck to attain your business objectives.

4. Plan Your Marketing Strategies & Tactics

Developing marketing strategies and tactics and implementing them help you identify and locate your current value proposition in the real estate industry, along with specific timelines for execution. In addition to determining your overall business objectives and goals, your marketing strategy and plan should include the following:

  • Pinpoint general marketing goals
  • Estimate projected marketing budget
  • Know your geographic farm area data and identify your target niche audience
  • Analyze market competition
  • Identify your unique selling proposition
  • Establish a timeline and set your plan in motion
  • Track your progress and readjust as needed

While a marketing strategy identifies the overall marketing goals of your business, developing marketing tactics will help you achieve those individual goals. They can include referral business tactics, retention efforts, and ways to acquire new customers. For example, you can offer incentives to anyone who refers your business, or you can implement new email drip campaigns to help increase lead conversion rates.

These tactics should have set key performance indicators (KPIs) to help you evaluate your performance. For instance, a KPI you can set for your business could be that referral business should exceed 20% of your lead generation sources.

If you’re unsure how to put together your marketing plan, check out our article Real Estate Marketing Plan Template & Strategy Guide and download the free template to get started.

Postcard campaign examples from ProspectsPLUS!.

Postcard campaign example (Source: ProspectsPLUS! )

If direct mail is part of your promotion strategy, services like ProspectsPLUS! can help easily create and distribute mailers to a targeted area. It also has options for postcards , brochures, newsletters , flyers, and folders. You can also send mailers to prospective clients by geographic or demographic farm areas through its campaigns. Check out its templates and mailing options today.

Visit ProspectsPLUS!

Read how our experts feel about this real estate direct mail service in our ProspectsPLUS! review .

5. Create a Lead Generation & Nurturing Strategy

Having a successful lead generation strategy will help you maintain business growth. Lead generation can be performed organically and through paid advertisements to attract and convert prospective clients. In addition to generating leads, agents should have systems to manage, nurture, and re-engage with contacts to maximize opportunities.

Generating leads through a multipronged approach is the best way to maintain lead flow. Use organic strategies like hosting an open house, reaching out to your sphere of influence, and attending networking events. Employ paid generation strategies, such as purchasing leads from a lead generation company or setting up a website to funnel potential clients. Your marketing strategies will directly correlate with your lead generation strategies.

Every lead is an opportunity, even if they don’t immediately convert into a deal. Effectively nurturing leads can make sure no opportunity falls through the cracks. Agents can nurture leads by continuously engaging and developing relationships with prospective leads . It’s important to provide prospective clients with a constant flow of essential and relevant information, depending on where they are in the real estate buying or selling process.

Here are the top lead generation companies for real estate agents and brokers:

Engage more efficiently with buyer and seller leads using Market Leader’s new feature Network Boost. Network Boost has shown a 40% increase in agents successfully connecting with leads. Market Leader social media experts design highly targeted and optimized ads for your Instagram and Facebook. As visitors engage with your ads, they will be prompted to complete a form and funnel directly into your Market Leader client relationship manager (CRM). This will also trigger an automatic marketing campaign that nurtures your clients and lets you know they are ready to engage with you personally. Try Market Leader’s Network Boost today.

6. Calculate Your Income Goal

Your income goal is one of the most critical items to be included in your business plan. While this may be more difficult for new agents who are still learning the business, it’s still necessary to estimate the amount of money you will earn for the year. Work with an experienced agent or mentor to help you estimate your monetary goals. For professional agents, review your previous years to judge your income goals for the upcoming year.

To calculate your income goal and the amount of work you’ll need to complete to get to that goal, you’ll need to have some basic number estimates:

  • Net income: The amount of money you will put in your pocket after commission splits with your real estate brokerage.
  • Fee split with brokerage: This is the agreed-upon commission split you have with your brokerage for each completed transaction. For example, if you have a 70/30 split with your brokerage, you will collect 70% of the commission, and your brokerage will receive a 30% commission for each deal.
  • Estimate of completed deals per year: You also want to estimate the number of deals you intend to complete yearly. Remember that some months will be busier than others, so make sure to account for holidays, weather, and your schedule.

Real Estate Yearly Goal Calculator

By figuring out these numbers, you can give yourself a realistic number for your income goal. Compute the gross income commission (GCI) or amount of money you must make before the commission splits and the average profit per deal and month you’ll need to reach your goal.

For a more detailed breakdown of your yearly goal, download and use our yearly goal calculator. Input your information into the highlighted yellow boxes, and the spreadsheet will automatically calculate the GCI, total deal count, and gross income you’ll have to earn each month to reach your goal. Adjust the average gross commission per deal and brokerage split as necessary.

FitSmallBusiness Year Goal Calculator

FitSmallBusiness Year Goal Calculato template.

For additional information on real estate agent salaries, review our article Real Estate Agent Salary: How Much Do Real Estate Agents Make?

7. Set Times to Revisit Your Business Plan

Business plans are only effective if you use them. A business plan is a roadmap for your business, and you’ll need to revisit it often to ensure you’re staying on track. It should be a constant resource to guide you through meeting your goals and business objectives, but it’s not necessarily set in stone if you need to make any changes.

Agents should revisit their business plans monthly to measure progress and make any changes to stay the course. If you find that you’re missing the times set for your goals, then you should continue to revisit your business plan regularly. Changing the business plan itself should occur annually once you can have a complete picture of your yearly performance. Evaluating the business plan can help you discover new strategies and ensure you have the appropriate resources for the upcoming year.

Pipedrive user dashboard

Overall status of sales activities in the dashboard (Source: Pipedrive )

Sales software like Pipedrive can help you track your overall business performance when revisiting your business plan. It presents company sales data in easy-to-visualize dashboards that track your business performance and contains forecasting tools to project future revenue. It can maintain company and team goals with progress tracking to keep goals top of mind.

Visit Pipedrive

Read how our experts feel about this real estate customer relationship manager (CRM) system in our Pipedrive review .

Why Agents Need a Real Estate Business Plan

A real estate business plan keeps you up to date on market developments and one step ahead of your competitors. It also enables you to test lead-generating tactics and create new marketing campaigns while keeping track of results over time. A solid business plan for a real estate agent presents the following:

  • Where you are at the moment
  • Where you would like to be
  • How you’re going to get there
  • How to evaluate and measure your performance
  • When and when to correct the course

Real Estate Business Plan Examples & Templates

Real estate agents and brokerages don’t have to build their business plans from scratch, as many resources provide different examples. Business plan templates can also have different objectives. Some are used to secure financing or help you focus on lead generation, while others are single-page plans meant to get you started.

Here are five real estate business plan examples you can use to create yours:

Lead Generation & Income Plan

Screenshot of Market Leader real estate business plan.

Market Leader business plan example (Source: Market Leader )

This business plan is from Market Leader, a third-party lead generation platform. It specializes in lead generation, marketing, and converting leads into customers with an attractive IDX (Internet Data Exchange) website and robust automation tools. Agents can also participate in purchasing leads through their lead products to receive a guaranteed number of leads per month.

A Single-page Business Plan

Single Page Business Plan example from pngfind.

Business plan for real estate (Source: PngFind )

Agents who are new to writing a business plan can start small. Business plans do not have to be multipage to be effective. This single-page business plan helps identify a single goal followed by three areas to focus on and five objectives for each focus area. As real estate agents begin to feel comfortable with goal setting and completion, they can continue to add to this single-page business plan with duplicate pages, identifying additional goals.

Business Plan for Real Estate Brokers

Screenshot of Real estate broker business plan example from AgentEDU.

Real estate broker business plan (Source: AgentEDU )

This robust real estate broker business plan is designed to address organization and management goals. It contains pages identifying personnel information like title, job description, and salary. The business plan also encourages the broker to identify operational goals for future personnel changes. It’s best suited for a broker with a larger team to help drive operational change.

Business Plan With Detailed Financials

Business plan with detailed company financial information.

Example of real estate agent business plan template (Source: FinModelsLab )

This multipage business plan contains eye-catching graphics and detailed company financial information for real estate agents and brokers seeking funding from outside investors. One of the last sections of the business plan is a financial planning section geared toward showing how viable your business is through your provided income statements, cash flow, and balance sheet reports.

Real Estate Developers’ Business Plan

Easy to edit real estate business plan template from Upmetrics.

Realtor business plan template sample (Source: Upmetrics )

Upmetrics’ real estate business plan templates are easy to edit and share and contain professional cover pages to help agents convert their business ideas into actionable goals. The business plans from Upmetrics are geared toward agents looking to transition into real estate development. This plan includes vital sections important for a developer to analyze, such as building location, demand for housing, and pricing.

Market Leader's CRM dashboard as viewed on tablet and phone devices.

Real estate CRM (Source: Market Leader )

Market Leader’s business plan is centered around driving more business through lead generation. It helps agents understand their lead sources, average sales price, and how much commission was earned in a given year. It also allows agents to set income and transactional goals for the following year.

Visit Market Leader

Bottom Line

Whether you are a new real estate agent or looking to grow your brokerage, writing a real estate business plan template will help you define the steps needed to build a successful business . It serves as a guided roadmap to help you achieve your business goals, identify areas of improvement, and provide guidance in all aspects of your business, from marketing, operations, and finance to your products and services. Business plans can help determine if your business is viable and worth the financial investment.

Frequently Asked Questions (FAQs)

What is a real estate business plan.

A real estate business plan is a document that presents an outline of your organizational goals. A business plan lays out future company goals and structured procedures to achieve them. Business plans commonly contain plans for one to five years at a time, though they can differ from investor to investor.

A real estate business plan will put you in a position to succeed while also assisting you in avoiding potential pitfalls. It serves as a guide to follow when things go as expected and when they diverge from the initial plan of action. Also, a real estate business plan will ensure that investors know the steps they need to take to succeed.

How do I jump-start my real estate business?

It is important to note that starting a real estate business is not a simple task. Before launching a firm in any field, entrepreneurs should spend numerous hours researching and developing a solid business plan. As you start your real estate business, use the following tips as guidance:

  • Think about your professional goals
  • Conduct extensive research
  • Organize your finances
  • Create a business plan
  • Establish an LLC
  • Make a marketing plan
  • Create a website
  • Start campaigns
  • Keep track of leads
  • Develop a network of connections

How can I grow my real estate business?

You can use multiple strategies and ways to grow your real estate business. They include:

  • Assess your current situation
  • Invest in your professional growth
  • Establish strategic alliances
  • Take advantage of omnichannel marketing
  • Start blogging
  • Create consistent social media profiles and campaigns
  • Improve your website
  • Consider working with a marketing company
  • Optimize your signs and direct mail

About the Author

Jealie Dacanay

Find Jealie On LinkedIn

Jealie Dacanay

Jealie is a staff writer expert focusing on real estate education, lead generation, marketing, and investing. She has always seen writing as an opportunity to apply her knowledge and express her ideas. Over the years and through her internship at a real estate developer in the Philippines, Camella, she developed and discovered essential skills for producing high-quality online content.

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  • Plug Power-stock
  • News for Plug Power Plug Power

Plug Power Stock Jumps on Plans to Save $75 Million Annually

InvestorPlace - Stock Market News, Stock Advice & Trading Tips

Plug Power (NASDAQ: PLUG ) stock opened in the green today after the company announced a plan that would reduce its annual operational expenses by $75 million. Plug expects to incur a one-time $15 million implementation cost to initiate the plan.

The plan includes four pillars: operational consolidation, strategic workforce adjustments, additional cost-saving measures and a commitment to shareholders.

“The implementation of this strategic plan is essential for Plug to sustain its market leadership and continue to provide innovative renewable energy solutions,” said CEO Andy Marsh. “We are confident that this strategic realignment will strengthen our competitive position and contribute to our long-term success.”

PLUG Stock: Plug Announces Plan to Reduce Annual Expenses by $75 Million

Plug Power seeks to consolidate its operations in order to improve its allocation of resources and streamline processes. The green hydrogen company believes that operational consolidation will lead to “economies of scale” and increased efficiency.

Strategic workforce adjustments is a euphemism for layoffs. Plug added that it would support affected employees to the fullest extent.

For cost-saving measures, the company plans on improving its supply chain, reducing discretionary spending and utilizing automation technologies to increase operational efficiency. Finally, Plug announced that these changes would be implemented in order to increase shareholder value.

Plug operates in a cost-intensive market in regards to infrastructure and transportation, so it isn’t surprising to hear that the company wants to cut costs. On top of that, the company has failed to turn a profit and last reported a GAAP EPS loss of 47 cents and a net loss of $283.47 million.

This plan comes as Plug works to increase production at its plants in Georgia and Tennessee. Production at the Georgia plant , which is the largest liquid green hydrogen plant in the U.S., began last month. The plant took 18 months to complete and is designed to produce 15 tons of liquid electrolytic hydrogen per day.

Meanwhile, production at Plug’s Tennessee plant resumed last week following design improvements. Plug expects these two plants to reduce the average cost of delivered hydrogen, which would increase fuel margins.

On the date of publication, Eddie Pan did not hold (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the  Publishing Guidelines .  

Eddie Pan specializes in institutional investments and insider activity. He writes for InvestorPlace’s Today’s Market team, which centers on the latest news involving popular stocks.

More From InvestorPlace

  • The #1 AI Investment Might Be This Company You’ve Never Heard Of
  • Musk’s “Project Omega” May Be Set to Mint New Millionaires. Here’s How to Get In.

The post Plug Power Stock Jumps on Plans to Save $75 Million Annually appeared first on InvestorPlace .

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  • Growth and Jobs at Davos 2024: What to know
  • How using genAI to fuse creativity and technology could reshape the way we work

1. Generative AI boosts productivity, unevenly

In 2024, most chief economists surveyed by the Forum believe generative AI will increase productivity and innovation in high-income countries. But for low-income countries, just over a third think this will be the case.

Productivity boosts are expected in knowledge-heavy industries, including IT and digital communications, financial and professional services, medical and healthcare services, retail, manufacturing, engineering and construction, energy and logistics.

These potential benefits are in "sharp contrast with concerns about the risks of automation, job displacement and degradation", says the report.

Almost three-quarters (73%) of chief economists surveyed "do not foresee a net positive impact on employment in low-income economies".

market leader business plan

2. Digital jobs keep growing

By 2030, the number of global digital jobs is expected to rise to around 92 million. These are generally higher-paid roles, according to the Forum's white paper, The Rise of Digital Jobs .

Digital jobs could help to balance skill shortages in higher-income countries, while boosting opportunities for younger workers in lower-income countries: "If managed well, global digital jobs present an opportunity to utilize talent around the world, widening the talent pool available to employers and providing economic growth pathways to countries across the income spectrum."

3. Unemployment levels could rise

The labour market showed resilience in 2023, with employment remaining high, said Gilbert Fossoun Houngbo, Director-General of the International Labour Organization (ILO), in the Davos session ' What to Expect From Labour Markets '.

But he said ILO projections in early January suggested the global unemployment rate could rise from 5.1% to 5.2% in 2024, with an extra two million workers expected to be looking for jobs.

In the US, the jobs market remained stronger than expected for the first month of the year, with more than 350,000 new jobs added. The unemployment rate for January was 3.7%, close to a 50-year low, according to The Guardian .

Houngbo said ILO data shows inequalities persist between low- and high-income countries, while young people are 3.5 times more at risk of being unemployed than the rest of the adult population and "many workers are struggling to pay bills, which is very worrisome".

The impact of AI on jobs was not going to be "an employment apocalypse", but that reskilling, upskilling and lifelong learning would be key to managing the transition to augmentation, he stressed.

4. More pop-up offices

LinkedIn has seen a drop in the number of fully remote job postings, from a peak of 20% in April 2022, to just 8% in December 2023, said co-founder Allen Blue, speaking in a Davos session ' The Role of the Office is Still TBC ' .

But employee interest in taking remote or hybrid jobs remains high, at around 46% of applications.

"The office is going to be in competition with working from home ... that’s a good thing for the office," he said, as management would need to innovate and create a workplace environment that "emphasizes dynamic human interaction".

Young people taking their first job want human connection, so they're more interested in hybrid than remote roles.

Martin Kocher, Austria's Federal Minister of Labour and Economy, said that some Austrian villages are actually paying for pop-up community office spaces, because people don’t want to work from home, and they can make use of other amenities close by.

He predicted the development of more pop-up office spaces away from company headquarters.

Have you read?

  • Davos 2024: 6 innovative ideas on reskilling, upskilling and building a future-ready workforce
  • From hierarchy to partnership: rethinking the employee/employer relationship in 2024

5. Skills will become even more important

With 23% of jobs expected to change in the next five years, according to the Future of Jobs Report, millions of people will need to move between declining and growing jobs.

Coursera CEO, Jeff Maggioncalda and Denis Machuel, CEO of Adecco Group AG, joined the Davos session ' The Race to Reskill ' to discuss the transferability of skills, and the potential of AI to help with personalized learning and productivity, which also levels the playing field for job opportunities globally.

But the key is in learning how to use AI and digital technologies, as Founder and CEO, Hadi Partovi, pointed out in the session ' Education Meets AI '.

When people think about job losses due to AI, he said, the risk isn't people losing their jobs to AI: "It's losing their job to somebody else who knows how to use AI. That is going to be a much greater displacement.

"It's not that the worker gets replaced by just a robot or a machine in most cases, especially for desk jobs, it's that some better or more educated worker can do that job because they can be twice as productive or three times as productive.

“The imperative is to teach how AI tools work to every citizen, and especially to our young people."

6. More women enter the workforce

In 2020, the World Bank found that potential gains from closing economic gender gaps could unlock a “gender dividend” of $172 trillion for the global economy.

But the Forum’s Global Gender Gap Report 2023 found that the Economic Participation and Opportunity gap has only closed by just over 60%.

Several sessions at Davos looked at how inclusion could benefit the economy , particularly by helping mothers return to the workforce, which could close skills gaps.

“There are 606 million women of working age in the world who are not working because of their unpaid care responsibilities, compared to 40 million men," Reshma Saujani, Founder and CEO of Moms First, explained in a session on the ‘ Workforce Behind the Workforce ’.

“At Moms First, we're working with over 130 companies in every sector, who are saying, ‘I don't have enough workers’. We are working with them to redesign their childcare packages and increase their subsidies.

“Childcare pays for itself. When you offer childcare to employees, you get higher worker productivity and lower rates of attrition, and greater rates of retention. We have to look at care as an economic issue that world leaders must actually do something about.”

SAP Helps Customers Build a Cloud-First Business Strategy

SAP Helps Customers Build a Cloud-First Business Strategy

WALLDORF — SAP SE (NYSE: SAP) today announced a comprehensive set of resources, services, and financial incentives to help every customer move to the cloud and maintain the pace and level of innovation that cloud enables.

The RISE with SAP Migration and Modernization program addresses two primary issues businesses face when moving to the cloud – scope and cost. It gives leaders confidence to take even the most complex ERP systems to the cloud by helping to eliminate custom code, data silos and process complexity.

“Every company needs a cloud-first business strategy,” said Eric van Rossum, chief marketing officer for cloud ERP, SAP. “It’s more important than ever for customers to start their migration and modernization journey, so they can harness the potential of the latest cloud innovations, including AI and sustainability solutions.”

The RISE with SAP Migration and Modernization program helps customers become and remain innovation-ready to benefit from ongoing updates and new innovations. Once customers are operating in the cloud, SAP takes the burden of management to build reliability, strengthen security and compliance and unlock the power of business data.  Regardless of whether businesses today run on SAP ERP Central Component (SAP ECC) or SAP S/4HANA, the program’s self-guided digital experience and assisted services offer a path from preparation through go-live. The program also introduces a set of new services and incentives to help customers in their move to the RISE with SAP solution.

“With the current announcement, SAP is making it clear that it is aware of the complexity of the challenges that customers face when transitioning to the cloud. At the same time, their previous investments in existing systems are being recognized,” explained Christine Grimm from the DSAG Executive Board. “By expanding the RISE with SAP offering to include financial incentives and support, SAP is reaffirming its promise to actively support customers on their journey to the cloud and thus make the transition easier. At DSAG, we appreciate this initiative and the willingness shown by SAP. The aim must be to further improve and expand this offering in collaboration with SAP in order to take into account the complex requirements and challenges of our members who are deciding in favor of a transformation process to the cloud. In doing so, we want to ensure that they benefit fully from the extended possibilities and innovations of the RISE with SAP offering.”

Offsetting Migration and Transformation Costs with Incentives

To recognize the investment made by SAP customers and to help offset the cost of migration and transformation, SAP is announcing a limited-time offer that may reduce the cost of migration up to 50% and shorten the time to value. Through the end of 2024, when moving to the RISE with SAP or GROW with SAP solution, SAP S/4HANA and SAP ECC customers will have access to credits that can be applied to offset the cost of maintenance, cloud services or cloud subscription. This incentive will include SAP S/4HANA Cloud and line-of-business solutions such as supply chain, human resources, spend management, CRM, business transformation tools and the business technology platform for extensibility.

RISE with SAP Methodology Provides Consistency and Quality

To drive predictable timelines for projects, all implementations – both through SAP and our partner ecosystem – will follow the RISE with SAP Methodology. It will provide project progress transparency, with key milestone checks. It is supported by SAP services and specialists who confirm the methodology is applied from discovery through go-live to get customers innovation ready. SAP is training and validating partners to use the RISE with SAP Methodology and will collaborate closely with these partners to provide consistency and quality.

Introducing the SAP S/4HANA Cloud Safekeeper service

For customers who need more time to complete their full migration, we are introducing the SAP S/4HANA Cloud Safekeeper service. It is designed for customers using RISE with SAP that enter customer-specific maintenance for older releases of SAP S/4HANA. With SAP S/4HANA Cloud Safekeeper, customers may get their systems ready to upgrade to the latest version of SAP S/4HANA. It includes upgrade services and infrastructure optimization while providing business continuity for the customers’ current system with updates and patches for two more years.

Visit the SAP News Center . Follow SAP at @SAPNews .

SAP’s strategy is to help every business run as an intelligent, sustainable enterprise. As a market leader in enterprise application software, we help companies of all sizes and in all industries run at their best: SAP customers generate 87% of total global commerce. Our machine learning, Internet of Things (IoT), and advanced analytics technologies help turn customers’ businesses into intelligent enterprises. SAP helps give people and organizations deep business insight and fosters collaboration that helps them stay ahead of their competition. We simplify technology for companies so they can consume our software the way they want – without disruption. Our end-to-end suite of applications and services enables business and public customers across 26 industries globally to operate profitably, adapt continuously, and make a difference. With a global network of customers, partners, employees, and thought leaders, SAP helps the world run better and improve people’s lives. For more information, visit .

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For customers interested in learning more about SAP products: Global Customer Center: +49 180 534-34-24 United States Only: 1 (800) 872-1SAP (1-800-872-1727)

For more information, press only: Julie Schneider, +1 (818) 918-1751, [email protected] , PT Martin Gwisdalla, +49 622.776.7275, [email protected] , CET SAP Press Room ; [email protected]

This document contains forward-looking statements, which are predictions, projections, or other statements about future events. These statements are based on current expectations, forecasts, and assumptions that are subject to risks and uncertainties that could cause actual results and outcomes to materially differ. Additional information regarding these risks and uncertainties may be found in our filings with the Securities and Exchange Commission, including but not limited to the risk factors section of SAP’s 2022 Annual Report on Form 20-F. © 2024 SAP SE. All rights reserved. SAP and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP SE in Germany and other countries. Please see for additional trademark information and notices.

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Egypt Aborts Controversial Pyramid Renovation Plan


FILE PHOTO: The sphinx (C) is pictured near the pyramids of Menkaure (R) and Khafre in Giza, during its reopening ceremony November 9, 2014. REUTERS/Mohamed Abd El Ghany

By Patrick Werr

CAIRO (Reuters) - Egypt has scuttled a controversial plan to reinstall ancient granite cladding on the pyramid of Menkaure, the smallest of the three great pyramids of Giza, a committee formed by the country's tourism minister said in a statement.

Mostafa Waziri, secretary general of the Supreme Council of Antiquities, announced the plan last month, declaring it would be "the project of the century".

But news that the ancient monument might be altered quickly drew an international outcry, prompting Egypt's antiquities authority to review the project. The pyramids are the only one of the seven wonders of the ancient world that still remain.

War in Israel and Gaza

A Palestinian girl collects salvageable items in a building damaged during Israeli bombardment in Rafah, on the southern Gaza Strip on February 12, 2024, amid ongoing battles between Israel and the militant group Hamas. Israel announced on February 12 the rescue of two hostages in the southern Gaza city of Rafah, where the Hamas-run health ministry said "around 100" Palestinians including children were killed in heavy overnight air strikes. (Photo by SAID KHATIB / AFP) (Photo by SAID KHATIB/AFP via Getty Images)

Alone among the pyramids, Menkaure was designed to be clad in granite rather than limestone. Only 16 to 18 layers of granite were installed before construction was halted, apparently because of Menkaure's death in about 2503 B.C.

Over the centuries, pilfering, weathering and collapse caused many layers to disappear, leaving only seven layers in modern times, although numerous fallen granite blocks remain strewn around the pyramid's base.

Waziri said the project to replace the granite would proceed only after a year of scanning and documentation.

"The Menkaure Pyramid Review Committee has unanimously objected to the reinstallation of the granite casing blocks, scattered around the base of the pyramid since thousands of years ago," the committee said in a statement on Thursday.

Zahi Hawass, a former minister of antiquities who headed the committee, said it would be impossible to determine where each block had originally been. Replacing them would also require cement, which would ruin the pyramid.

"What I want to say is don't worry, the pyramids of Giza are safe, and nothing will happen to them," Hawass told Reuters. "People everywhere are calling me, writing letters, emails. They are worried. Don't be worried at all, the pyramids are safe, and no one can touch the pyramid of Menkaure."

The seven-member committee gave initial consent to excavate Menkaure pyramid's boat pits, akin to the Pharaonic bark pits found alongside Khufu's pyramid adjacent to Menkaure's, but only after a "clear and detailed scientific study".

"In archaeology, don't be in a hurry. If you are in a hurry, you will ruin the site," Hawass said. "It is important for any kind of work to be done at the site of the pyramids, is to make a study and to tell us what to do."

(Writing by Patrick Werr; Editing by Bill Berkrot)

Copyright 2024 Thomson Reuters .

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Tags: Middle East , Egypt

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sbi investor presentation 2022

Dear Shareholders, It gives me immense pleasure to place before you the highlights of your Bank's performance during FY2023. Details of the achievements and initiatives taken by your Bank are provided in the Annual Report for FY2023.

The past year has been another turbulent year with the global economy marred by profound shocks and unprecedented uncertainty. The global economic growth has moderated amidst the prolonged Russia-Ukraine war, even though the effect of the pandemic has receded. Food and energy price shocks affected the general prices, with wage- price spiral leading to elevated inflation across countries. The recent failures of banks in the United States are a reminder of the challenges posed by the interaction between tighter monetary and financial conditions and the build- up in vulnerabilities. Though inflation has receded with central banks raising interest rates, underlying price pressures are proving sticky, with labor markets being tight in several economies. In parallel, debt levels remain high, limiting the ability of fiscal policymakers to respond to new challenges. Commodity prices have moderated, but the elevated geopolitical tensions are the key risks. However, earlier than expected opening of China is easing supply chain disruptions and renewing hopes for moderate economic recovery. As per IMF projections, world growth will bottom out at 2.8% this year before rising modestly to 3.0% in 2024.

Against this backdrop of global uncertainties, Indian economy has remained resilient with robust agriculture and services sector. Meanwhile, on the external front, exports of goods and services reached new heights supported by strong demand of Indian services. India’s GDP in FY2023 grew at 7.2%, driven by buoyant investment and private consumption. Looking ahead, real GDP growth is projected at 6.5% in FY2024 (RBI), with economic activity backed by improving rural demand, the Government’s thrust on infrastructure spending, revival in corporate investment, healthy bank credit, and moderating commodity prices.

sbi investor presentation 2022

During the year FY2023, your Bank’s business grew at a faster pace than the banking industry, both in deposits and credit.

In FY2023, the whole Bank deposits grew by 9.19% YoY to ` 44.23 Lakh Crore, of which domestic deposits increased by 8.50% to ` 42.53 Lakh Crore and foreign offices deposits by 29.60% to ` 1.70 Lakh Crore. CASA deposits grew by 4.95% to ` 18.62 Lakh Crore and CASA ratio of your Bank is at 43.80% as of March FY2023. Current account deposits grew by 7.47%, while saving bank deposits grew by 4.51%. Your Bank has opened 1.24 Crore Regular Savings Bank Accounts, of which 64% accounts were acquired digitally through YONO during FY2023.

Your Bank’s gross advances grew by 15.99% to ` 32.69 Lakh Crore, compared to a growth of 11.0% in FY2022. While domestic advances grew by 15.38% to ` 27.76 Lakh Crore, foreign offices advances grew by 19.55% to ` 4.92 Lakh Crore. You will be happy to know that your Bank’s domestic advances growth (15.38%) is higher than the banking industry’s growth of 15.0% in FY2023, led by robust growth in all the sectors. Among all the business segments, retail personal loans registered the highest YoY growth of 17.64% touching ` 11.79 Lakh Crore followed by SME advances which grew by 17.59% to ` 3.59 Lakh Crore. Agri & Corporate loans registered a YoY growth of 13.31% to ` 2.58 Lakh Crore and 12.52% to ` 9.79 Lakh Crore, respectively.

The 3-year CAGR of retail personal loans indicate a 16.0% growth and now accounts 42.5% of domestic advances in FY2023. Among the retail personal loans, Xpress credit loans crossed the ` 3 Lakh Crore mark, with YoY growth of 22.72% to ` 3.04 Lakh Crore in FY2023. Home loans and Auto loans, grew by 14.07% to ` 6.41 Lakh Crore and 23.22% to ` 97,523 Crore respectively during FY2023. As on March 2023, your Bank’s market share in Home loans and Auto loans is at 33.1% and 19.4% respectively.

With the interest rate hikes across the globe to tame inflation, your Bank’s prudent investment decisions helped contain the impact of rising interest rates on the investment portfolio. Your Bank’s investment portfolio increased by 6.3% to ` 15.87 Lakh Crore in FY2023, of which 96% are domestic investments. Within the domestic investment portfolio, 62.94% is in HTM category while the rest is under AFS & HFT category. The yield on investment at 6.51% is in line with the interest rate scenario of FY2023. Your Bank’s liquidity position remains comfortable, and it is well-placed to handle any moderation in liquidity.


During FY2023, your Bank optimally leveraged the opportunities inherent in the resurgent and resilient Indian economy. Buoyed by relentless pursuit of best practices and strategies across niche segments, the standalone net profit during FY2023 rose by over 58% to ` 50,232 Crore from previous year’s net profit of ` 31,676 Crore (FY2022). Your Bank has registered significant improvements on the asset quality front, provision coverage ratio, RoE/RoA, NII and NIM, while also giving highest standalone profit in FY2023 by any listed corporate, domestically.

The Net Interest Income (NII) of your Bank registered a robust growth of 19.99% over the previous year at ` 1,44,841 Crore in FY2023 ( ` 1,20,708 Crore in FY2022). Lending book grew across all segments and remained adequately diversified with traditional bastions like Xpress credit and Housing loans growing handsomely, all contributing to higher interest income. Control in slippages and moderation in credit costs showed marked improvements. Credit costs further improved by 23 basis points to 0.32%, continuing its momentum. Total provisions made during FY2023 stood at ` 33,481 Crore, falling 7.51% ( ` 2717 Crore) over FY2022 level. The operating profit of your Bank during FY2023 stood at ` 83,713 Crore, a marked improvement of 11.18% over FY2022 ( ` 75,292 Crore that had grown by 5.22%). The cost to income ratio increased by 56 basis points in FY2023 (over FY2022), though standing a little elevated at 53.87 for the FY2023 against 53.31 (FY2022) due to higher provisions on account of wage hike negotiations.

Return on Assets (RoA) for Q4 FY2023 stood at 1.23% (0.96% for the full FY2023 against 0.67% for FY2022), signalling that the journey towards guidance of ROA of 1%+ was on track with continuous improvement in ROA from FY2020 onwards. Return on Equity (RoE) showed marked improvement of 551 basis points, rising to 19.43% for the FY2023 against 13.92% during FY2022 (as against improvement of 398 basis points displayed in FY2022).

The capital ratios of the Bank continued to improve during the financial year on the back of better planning, plough back of profit, and efficient risk management of the banking book. The CET-1 ratio improved by 33bps to reach 10.27% as of March 2023.

The overall Capital Adequacy Ratio (CAR) as at the end of March 2023 stands at 14.68%, improving by 85 bps YoY. With healthy profits in FY2023, the capital position of the Bank remains comfortable to tap future growth opportunities.

I am happy to announce that the Board of your Bank has declared a dividend of ` 11.30 per equity share (i.e. 1130%) for the financial year ended March 31, 2023.

Asset Quality

The focus on asset quality and containing risk has been an area of continued attention for the Bank. There was a broad-based improvement in the asset quality of your Bank in FY2023. The gross non-performing assets (NPA) of the Bank dropped by 119 bps YoY and stood at 2.78% as of March 2023. The net NPA ratio accordingly stands at 0.67% as of March 2023 down 35 bps YoY.

Slippage, which indicates the incremental fall in credit quality during the year, was down by 26.38% compared to FY2022 and as a result, the slippage ratio for FY2023 improved by 34 bps YoY reaching 0.65% as of March 2023.

The proactive management of risk during the year resulted in improvement in Provision Coverage Ratio (PCR) by 135 bps YoY, standing at 76.39% by the close of financial year.

Customer Centricity

At SBI, customer-centricity is of paramount importance, and we undertake a proactive and flexible approach to cater to the changing financial needs of our customers.

We employ cutting-edge technology and new solutions to offer seamless and efficient banking experiences, keeping our finger on the pulse of market developments. Our objective is to significantly increase our presence across the country and penetrate deeper into new regions to ensure that all our customers have access to our services.

Our multichannel delivery model – digital, mobile, ATM, internet, social media and branches, offer customers a wide choice to carry out their transactions, as per their convenience at any time and place. Your Bank has one of the largest ATM networks in the country, with 65,627 ATMs, including Automated Deposit and Withdrawal Machines (ADWMs), as on March 31, 2023. On an average, ~1.3 Crore transactions are recorded every day at your Bank’s ATMs/ADWMs and 5.66 Lakh cash deposit transactions at ADWMs.

Your Bank has established a centralised dedicated cell, CLIC (Customer Liability Identification Centre), across all 17 circles. This cell expedites the resolution of complaints related to unauthorised electronic debit transactions (UAED), ensuring a swift and efficient customer experience.

To ensure optimal service quality, incognito visits were carried out at various branches. These visits assessed various aspects such as infrastructure availability, staff readiness, and overall branch activity.

To improve customer convenience and ease of banking, your Bank is extending doorstep banking services through agents to all customers at the top 100 banking centres. Senior Citizens more than 70 years of age and differently abled persons are being extended doorstep banking services at all banking centres.

With a presence across all time zones through its 235 points of presence in 29 countries, your Bank has gradually spread its wings globally and has become a pioneer of International Banking among the Indian banks. During FY2023, your Bank has opened one India visa application centre at Khulna (Bangladesh) and 5 branches and 3 extension counters through its overseas subsidiary in Nepal.

Technology & Innovation

Your Bank uses technology in every aspect of the value proposition - from business, designing products, streamlining processes, and improving delivery, to monitoring. Your Bank has taken several initiatives to build a quality SME portfolio in a risk-mitigated manner and has implemented significant changes to ensure ease of banking.

YONO Business combines all corporate banking needs by being a one-stop solution for the customer. Your Bank deploys the most advanced technologies like artificial intelligence, machine learning and business analytics, among others, to augment its product offerings to enhance customer delight each time, without exception. Under YONO, Pre- Approved Business Loan (PABL) has recorded a YoY growth of 1076% to ` 3,605 Crore in FY2023.

Following initiatives have been implemented during the year:

1. New digital products under development in collaboration with Fintech/ AA/ GST

MSME SAHAJ Seller’s Invoice Financing on Yono Business providing digital loan and financing of GST invoice Seller’s Invoice Financing Scheme under GST Sahay, a GoI initiative, provides digital loan through GST Sahay app, which is a marketplace.

2. Contactless Lending Platform (CLP):

Your Bank is one of the stakeholders in SIDBI-led PSB Consortium, which offers SMEs quick and simple access to loans through CLP platform Eligible proposals receive instant in-principle approval based on GST returns, IT returns and account statements.

For FY2023, your Bank has already sanctioned 6,342 leads worth ` 2,940.24 Crore, with ticket size ranging from ` 1 Lakh to ` 5 Crore.

To facilitate digitalisation and streamline the issuance of credit, a new mechanism for the auto-renewal of leads obtained from CLP has been launched. This approach will guarantee the prompt renewal of accounts considered good and financially satisfactory, with minimal need for manual work. It allows Relationship Managers (SME) to concentrate on sales and marketing activities.

3. Assisted Journey for ETCB/ NTCB/ NTB Customers

The Assisted Journey allows operating functionaries such as RM (SME) team, field officers and Branch Managers to initiate the CLP journey on behalf of the customer without needing them to input any details. These can be uploaded directly on the portal.

4. Supply Chain Finance

By leveraging technology and branch network, your Bank has been a major player in supply chain finance while strengthening corporate relationships across sectors. During FY2023, supply chain finance was extended to 34,592 dealers with total sanctioned limits of over ` 44,565 Crore e-DFS (Electronic Dealer Financing Scheme) and ` 16,437 Crore e-VFS (Electronic Vendor Financing Scheme) respectively.

Your Bank entered into 16 new e-DFS and 37 new e-VFS tie-ups during the year. Your Bank has already implemented CLP for e-DFS and e-VFS. Your Bank has also simplified the e-VFS processes and built a new digital interface “” on CLP for improved customer experience. It has also introduced Supply Chain Finance Centralised Processing Centres to reduce TAT for proposal processing. To ring-fence the supply chain portfolio, it has implemented suitable risk mitigation measures and risk-based pricing. Your Bank is also launching various campaigns for onboarding dealers/ vendors and broadening the channel finance base.

Your Bank is the first Public Sector Bank to register as a financier on the TReDS platform and is present on all the three TReDS platforms in the country -RXIL, M1 Exchange and Invoicemart, to provide finance to MSMEs. In FY2023, your Bank has discounted 26,973 bills amounting to ` 9,800 Crore, registering a YoY growth of 144%.

To further penetrate the agriculture and rural market, your Bank has floated State Bank Operations Support Services (SBOSS), which is expected to help your Bank reach out to a larger populace, coupled with improved efficiency in sourcing and renewal of KCC loans.

Your Bank is actively looking to partner with agri-techs and start-ups to cater to the financial needs across the agriculture value chain. Your Bank has opened specialised Start-up branches at Bengaluru, Mumbai, Delhi and Chennai to offer one-stop solutions to Start-ups.

In order to make banking more convenient for customers, your Bank has introduced the V-CIP digital process, which allows account opening from home, eliminating the need to visit branches. During FY2023, 4.70 Lakh customers joined us through V-CIP.

As a result of the various initiatives taken by your Bank, 64% of total Regular Savings Bank Accounts have been opened digitally during FY2023.

Your Bank has ensured customer convenience and portfolio growth by offering a comprehensive range of products on multiple platforms, with higher profit margins. YONO offers digital loans in real-time, eliminating the need for physical documentation or visiting a branch. Additionally, real-time pre-approved personal loan eligibility by sending SMS has been introduced.

Key initiatives during the FY on ATMs/ ADWMs front chiefly include:

  • Implementing Enhanced cash dispensation logic for small denomination notes at all Bank’s ATMs.
  • OTP based Cash withdrawal – addition of new feature – 30 sec Timer display on ATM screen to make customer aware about the time available for entering the OTP and avoid time out.
  • Pro-active reversal of failed transactions to customers.
  • Installation of 15000 new GCC machines.
  • Cassette Swap has been implemented in 12907 Branches managed by CAPEX ATMs/ ADWMs
  • 49,719 sites have been covered under electronic surveillance solutions (eSS)
  • SMS is being sent to customers for availing free Balance Enquiry & Mini Statement from SBI ATMs and the above services are also available on WhatsApp banking.
  • Replacement of 3,250 old SWAYAM machines has been completed.
  • Display of “Cash not available” on ATM Screen whenever the ATMs are out of Cash (Before the transactions are undertaken by the customers).

Your Bank has deployed 20,137 Barcode Based Passbook Printing Kiosks (SWAYAMs) at 17,643 branches and 13 lakh transactions are processed on daily basis, migrating ~3.65 Crore passbook printing transactions every month from branch counters. Your Bank has also deployed 33,077 GCC terminals at 21,446 retail branches for transactions through debit cards to promote Green Banking. To combat the Cybercrimes, Ministry of Home Affairs has rolled out cybercrime reporting Portal with dedicated email ( in) and a helpline number 1930 to report the cybercrime incidents by the victims. Cybercrime cells at 17 circles of your Bank work in multiple shifts to attend to customer complaints concerning cyber frauds.

As on 31.03.2023, a total of 3,04,450 complaints have been attended, and an amount of ` 51.50 Crore has been put on hold.

Financial Inclusion

Your Bank has taken significant steps to promote financial inclusion through a vast network of Business Correspondents (BCs)/Customer Service Points (CSPs). As on 31st March 2023, your Bank has 76,089 CSPs, providing access to 32 banking products and services in unbanked areas while reducing footfalls in the branches. The BC/CSP channel has recorded around 53.32 Crore transactions amounting to ` 3,30,389 Crore during FY2023. On an average, around 25-30 Lakh transactions per day are routed through the BC/CSP channel.

The BC/CSP channel has opened 14.69 Crore BSBD accounts with ` 50,091 Crore deposits and has brought the unbanked / underprivileged sections of society within the ambit of the formal Banking system by promoting various social security schemes, low-cost microinsurance products (PMJJBY, PMSBY) and pension schemes (APY).

Your Bank is the undisputed market leader in customer enrolment for government-sponsored social security schemes viz, PMJJBY, PMSBY and APY. The share of banks in PMJJBY, PMSBY and APY are 43.83%, 40.85% and 31.78% respectively, among all Public Sector banks. During FY2023, your Bank has achieved 27.88 Lakh APY enrolments as against the target of 17.90 Lakh allotted by PFRDA (~156% of the target), simultaneously winning major awards from the PFRDA under various APY campaigns.

Environmental, Social & Governance (ESG) Practices

We believe that our success is intertwined with the prosperity of the society we serve, and therefore, we actively engage in initiatives focused on education, healthcare, environmental sustainability, and community development. By embracing corporate social responsibility, we strengthen our bond with stakeholders, foster inclusive growth, and contribute to building a better and more equitable future for all.

For FY2023, an amount of ` 316.76 Crore has been allocated for undertaking CSR activities by your Bank. Out of which, an amount of ` 194.78 Crore is allocated to SBI Foundation for undertaking CSR activities in project mode.

Your Bank has developed an ESG financing framework aligned with sustainable finance guidelines and principles. This framework serves as a guide for our future bond and loan issuance programs, ensuring that proceeds are used to finance or refinance eligible assets and projects with environmental or social benefits. It has received a Second Party Opinion to validate its robustness and adherence to policy prescriptions.

To promote ESG and to underscore the Bank’s longstanding commitment to supporting green and social projects, your Bank concluded its largest inaugural Syndicated Social loan of $1 billion ($500 million + green shoe of $500 million) making it the largest ESG loan raised by a commercial Bank in the Asia-Pacific market.

Taking cognizance of the importance of managing the efficiency of our owned facilities, your Bank is making continuous efforts to develop a green ecosystem. Under this initiative, your Bank’s prominent establishments viz Corporate Office, Global IT Centre and 6 of the Local Head Offices (LHOs) have shifted to green power through green tariff policy or through open access channels via solar/wind.

In line with the country’s vision for scaling up Renewable Energy (RE) power generation, your Bank is also facilitating RE financing in a big way. Your Bank has availed lines of credit from multilateral agencies viz. the World Bank, KfW German Development Bank etc., for onward lending to RE power developers.

Strategic New Initiatives

During FY2023, your Bank has continued undertaking strategic initiatives to achieve the long-term objectives set by the Bank. Some of the important initiatives are:

  • In line with government policies on electric mobility, your Bank has partnered with Tata Power to set up EV charging facilities at various identified premises, including our corporate office, local head offices, and residential premises across the country. This initiative promotes sustainable mobility and encourages the use of electric vehicles among our employees.
  • As a part of its commitment to sustainable development, your Bank has incorporated rooftop solar photo voltaic systems financing as a component of the home loan project cost. This, coupled with an extensive micro market study and the opening of 133 processing centres across India have enabled greater penetration of home loans in Tier-II and Tier-III cities.
  • Furthermore, IT has developed ‘SBI- Easy ride’, an end-to-end digital product which enables two-wheeler financing without the need to visit any branch for sanction or disbursement.
  • In case of personal loan products, your Bank has integrated Digital Document Execution into Xpress Credit loans, utilising e-stamping and e-signature for real-time document execution to make it customer-centric.
  • For the benefit of its NRI clientele, your Bank has launched a number of services in FY2023 including tie- up with ‘Remitly’ to facilitate swift remittance to India, remittance facility using UPI Application, launch of NRE non-callable deposit scheme, increase of daily limit for forex outward remittances through FX-Out (INB Channel) from NRE Account to US$ 25000, among others.
  • Your Bank has introduced SBI e-Forex facility in the YONO Business - Android app to enable customers to book foreign exchange rates on the go. The same is expected to be rolled out shortly for the iOS platform as well.
  • External benchmark (T-Bill Rate) linked interest rates have been rolled out to WCL and LC Bill Discounting facilities to incentivise top-rated borrowers and encourage the utilisation of their limits. To stay competitive, this option is even offered for Rupee Export Packing Credit facilities.
  • Project Kuber was launched in your Bank, which is driving a special focus on marketing of current account deposits and various transaction banking products in CCG vertical.
  • Your Bank recognises the contribution of its ex-employees, whose dedicated lifelong services brought your Bank to its present height. It initiated ‘Project SBI Cares’ for automation and streamlining of various pre-retirement and post-retirement benefits and processes through its HRMS portal.
  • Further, your Bank has adopted a branch-based model for manpower planning linked to productivity parameters at the branches.
  • Your Bank has been at the forefront of launching various innovative solutions. Some of the initiatives taken during the year include development of Internal Financial Controls over Financial Reporting (IFCoFR) Portal, a dashboard for monitoring of gold retention limit, and new features in SBI Digi Vault Application.
  • Your Bank has launched a Fund Management Solution to meet the requirements of Government of India pertaining to Centrally Sponsored Schemes (CSS) under Single Nodal Account (SNA) covering 433 schemes of 23 States/UTs and Central Sector Scheme through Central Nodal Account (CNA) mechanism covering 124 schemes.


Through its subsidiaries, your Bank provides a complete bouquet of financial products and services to its customers.

On a consolidated basis, SBI Capital Markets Limited has posted a profit after tax (PAT) of ` 725.39 Crore for FY2023 as against ` 635.42 Crore in the previous year. SBICAP Securities Limited (SSL), a wholly owned subsidiary of SBI Capital Markets Limited and broking arm of the SBI Group posted a net profit of ` 308 Crore during the year ended FY2023 as against ` 233 Crore in FY2022.

With a total Gross Written Premium (GWP) of ` 10,888 Crore and a YoY growth of 18%, the SBI General Insurance Company Limited achieved the milestone of ` 10,000 Crore GWP in FY2023. SBI General increased its market share from 4.15% in FY2022 to 4.21% in FY2023. The company’s presence has grown from 17 locations in 2011 to over 141 branches across India. The company has served over 34 Crore clients to date, with claims of ` 22,000 Crore handled.

SBI Life Insurance Company Limited has proven its market leadership in the year ended March 31, 2023, with numero- uno position in Individual New Business Premium, Individual Rated Premium, Total Rated Premium and Total New Business Premium among the private insurers. The company witnessed growth in Individual New business premium of 26.7% vis-à-vis the industry growth of 15.4% with a private market share of 24.3% & Industry market share of 14.5%. The company generated a PAT of ` 1,721 Crore in FY2023 against ` 1,506 Crore in FY2022.

SBI Cards and Payment Services Limited registered PAT of ` 2,258 Crore in FY2023 as compared to ` 1,616 Crore in FY2022, an increase of 40% YoY.

SBI Funds Management Limited is the fastest growing AMCs with a growth of over 10.83% against the industry average of 5.55% in FY2023. It has one of largest investor bases with over 121.80 Lakh live investor folios with about 27 Lakh new investor folios added in FY2023. The company posted a PAT of ` 1,331.20 Crore for FY2023 as against ` 1070.65 Crore earned during FY2022.

SBI Global Factors Limited, a leading NBFC factor providing both Domestic and Export Factoring services under one roof, registered a turnover of ` 5,544 Crore for FY2023 as compared to turnover of ` 4,773 Crore in FY2022.

SBI Pension Funds Private Limited has earned net profit of ` 53.51 Crore for FY2023. The total Assets Under Management (AUM) of the company as on 31st March 2023 is ` 3,39,006 Crore (YoY growth of 20.01%). The company maintains lead position among 10 PFMs in terms of AUM with market share of 37.71%.

Awards and Recognition

Your Bank’s efforts in various areas of banking were acknowledged and many awards and recognitions were received during the year. Your Bank was awarded ET BFSI Best Brands award for 2022 and 2023. The Global Finance Magazine also awarded "The Best Bank Award 2022".

Your Bank has been awarded by ET HR World Future Skill Awards, ‘Gold’ under the category ‘Best Learning Management System’ for Gyanodaya “e-learning” and askSBI, and ‘Silver’ under the category “High Impact Certification Programme” for Role Based Certifications. In HR policies, your Bank received 3-Gold Awards at ET Human Capital Awards, namely HR Leader of the Year - Large Scale Organisations; Excellence in Business Continuity Planning & Management and Most Valuable Employer during COVID-19.

Your Bank was adjudged the “Winner”, for the fourth year in succession, in Best Digital Financial Inclusion category among Large Banks in IBA Annual Banking Technology Awards 2022. In home loans, Government of India awarded “Best Performing Bank under CLSS” under ‘PMAY-U Awards 2021: 150 Days Challenge’.

ICAI recognized your Bank’s financial reporting standards by awarding the Gold Shield-Category-I for Public Sector Banks- FY 2021-22. Additionally, your Bank also bagged “India’s Best Annual Report Awards 2022.

For its ESG initiatives, your Bank has been awarded CDP score of “B”, the highest score in the last 5 years by CDP (formerly Carbon Disclosure Project), the global disclosure system for companies to manage their environmental impact. The score of B represents that the organisation has addressed the environmental impact of their business and has ensured good environmental management.

Your Bank was awarded “Issuer of the Year Private Placement” at the 5th National Summit & Awards on Corporate Bond Market 2022 by Associated Chambers of Commerce and Industry of India (ASSOCHAM). Further, NASSCOM DSCI Excellence Awards 2022 awarded “Best Security Awareness and “Best Security Operations Centre of the year”.

Way Forward

Overall FY2023 has been a good year for the Bank. Despite the geopolitical headwinds, resurgence of COVID-19 in China, Indian economy showed remarkable resilience and the same reflects in your Banks financials.

Nevertheless, last financial year was not without its share of surprises. The episodes of financial instability in the US and European banking took markets by surprise but did not impact the Bank. However, vulnerabilities may emerge as interest rates normalise from their ultra-low levels. This warrants proactive identification and mitigation of risk in the current financial year.

Your Bank has had a healthy run of reporting robust financial results successively for the last three years. Despite the challenges, your Bank’s ability to absorb unexpected losses has improved. Healthy internal accruals reinforce its ability to tap capital markets, if warranted, in future. Risk management practices have been strengthened over the years and incremental improvements remain a perpetual work in progress.

Accommodating environment induced financial risk in the bank's overall risk management strategy is the next milestone that the Bank will aim for in FY2024. It is widely expected that RBI will make tangible progress in this direction during this financial year. Your Bank remains committed to incorporating principles and practices that promote sustainable banking operations and the same reflects in our CDP score of “B” for FY2022, highest in last five years.

The conscious strategy to structurally transform your Bank through digitisation of systems and process has progressed well. The Bank’s flagship digital offering SBI YONO has shown growth across products and business lines. The Bank aims to be agile and imaginative in respect of its digital offerings so that YONO becomes a “Primary digital bank of choice” in coming years.

The use of business analytics and AI/ ML in decision making and operations will be taken to the next logical level by deploying NextGen Data Warehouse and Data Lake. Mutually beneficial partnerships with fintechs and NBFCs under RBI’s co-lending framework will be explored.

Your Bank is comfortably placed in terms of growth capital in the current year. With declining credit cost, opportunities for lending in sunrise sectors such as sectors identified under PLI scheme, renewables as well as electric mobility will be explored to diversify the portfolio. The RBI’s guidelines on green deposits opens new opportunities on the liability side to green the Bank’s balance sheet.

Summing up, despite the economic headwinds, your Bank has innovated well to respond to the challenges posed by the operating environment. I am more than hopeful that the performance achieved in FY2023 will continue in FY2024.

“Innovation is the ability to see change as an opportunity- not as a threat”

Yours Sincerely,

Dinesh Kumar Khara


State Bank of India

NSE: SBIN | BSE: 500112

/100 Valuation Score : 61 /100 Momentum Score : 64 /100 "> Strong Performer

643.75 7.30 ( 1.15 %)

New 52W High in past week

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NSE Dec 21, 2023 03:31 PM

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Metallurgicheskii Zavod Electrostal AO (Russia)

In 1993 "Elektrostal" was transformed into an open joint stock company. The factory occupies a leading position among the manufacturers of high quality steel. The plant is a producer of high-temperature nickel alloys in a wide variety. It has a unique set of metallurgical equipment: open induction and arc furnaces, furnace steel processing unit, vacuum induction, vacuum- arc furnaces and others. The factory has implemented and certified quality management system ISO 9000, received international certificates for all products. Elektrostal today is a major supplier in Russia starting blanks for the production of blades, discs and rolls for gas turbine engines. Among them are companies in the aerospace industry, defense plants, and energy complex, automotive, mechanical engineering and instrument-making plants.

Headquarters Ulitsa Zheleznodorozhnaya, 1 Elektrostal; Moscow Oblast; Postal Code: 144002

Contact Details: Purchase the Metallurgicheskii Zavod Electrostal AO report to view the information.


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Russia’s BN800 fast reactor fully fuelled with mox


MOX fuel assemblies within the BN-800 fast reactor core

Beloyarsk 4 was connected to the grid and resumed electricity production after the completing its latest regular maintenance and refuelling outage. It was refuelled with mox fuel assemblies (FAs) produced at the Mining and Chemical Combine (MCC) in Zheleznogorsk, Krasnoyarsk Territory). Unlike the enriched uranium FAs traditionally used in NPPs, the raw materials for the production of mox fuel pellets includes plutonium oxide obtained during the processing of used fuel from conventional VVER reactors alongside depleted uranium oxide, obtained by defluorination of depleted uranium hexafluoride (DUHF – “tails" from enrichment production).

The first serial mox-FAs were loaded into the BN-800 core in January 2020. The first complete refuelling of the BN-800 with mox fuel took place in January 2021, and then, over the next two refuellings, all fuel assemblies were gradually replaced with innovative mox assemblies.

Other important work performed during the outage of unit 4 included overhaul of the main circulation pump with the replacement of the removable parts, maintenance and repair of pumps, heat exchangers, steam generators and a turbogenerator. Also, the operational quality control of metal and welded joints of pipelines was carried out as well as tests of the system for monitoring the tightness of shells using a metrological assembly.

“Today, Beloyarsk NPP is one of the flagships bringing the Russian nuclear industry closer to a new technological platform based on a closed nuclear fuel cycle,” said Beloyarsk NPP Director Ivan Sidorov. “The use of mox fuel will make it possible to increase the fuel base of the nuclear power industry tenfold. And most importantly, in the BN-800 reactor, after appropriate processing, used nuclear fuel from other NPPs can be recycled.”

Alexander Ugryumov, Senior Vice President for Scientific and Technical Activities at TVEL said completing conversion of BN-800 to mox fuel is a long-awaited event for the nuclear industry. “For the first time in the history of the Russian nuclear power industry, we will be able to operate a fast neutron reactor with a full load of uranium-plutonium fuel and a closed nuclear fuel cycle. This is exactly the milestone for which the BN-800 was originally designed, a unique nuclear power unit supported by automated fuel production at the Mining and Chemical Combine. Advanced technologies for recycling nuclear materials will significantly expand the raw material base of nuclear energy by processing irradiated fuel instead of storing it, and it will also reduce the amount of waste generated.”  

Industrial fabrication of mox fuel began at the end of 2018 at the MCC. To create this unique production, broad industry cooperation was organised under the coordination and scientific leadership of TVEL, which also acts as the supplier of mox FAs for the Beloyarsk NPP. Initially, during the start-up of the BN-800 reactor, a hybrid core was installed, partly equipped with uranium fuel produced by Mashinostroitelny Zavod in Elektrostal (Moscow Region), and partly with experimental mox fuel assemblies manufactured at the Research Institute of Atomic Reactors in Dimitrovgrad, Ulyanovsk region.

Image: MOX fuel assemblies are loaded into the BN-800 fast reactor core at Beloyarsk NPP (courtesy of TVEL)

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Investor boost for Moscow Metro brings new line and less gridlock

Investor boost for Moscow Metro brings new line and less gridlock

For the first time Moscow Metro management is looking to attract private investors to build a new subway line in the east of the city. Several Russian and foreign companies are already lining up to take part in a project.

The Chief Executive of the Moscow Metro Igor Besedin says negotiations are underway with a Spanish investor.  The companies are interested in developing both underground and above ground with retail and other services offered to passengers. The first private line with 9 stations stretching 19 km would be the longest subway line built in recent years.  Its cost could be about $3.2 billion, according to the Russian consulting firm FBK. The new line leading from Aviamotornaya station to Lyubertsy fields should be completed by 2015.  Moscow has a serious traffic problem, and authorities think a new subway line will help reduce the gridlock. Currently the city has 300km of underground railway split across 12 lines with 182 stations. About 7 million people use the Moscow Metro every day. Moscow Metro system has no privately owned lines yet, but the Mykinino station in the west of Moscow was built by a private investor. Private subway lines are common in big cities all over the world. Private lines operate in Tokyo and in London.


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Analyst Presentation 2021 - 22. Analyst Presentation 2020 - 21. Analyst Presentation 2019 - 20. Analyst Presentation 2018 - 19. Analyst Presentation 2017 - 18. Analyst Presentation 2016 -17. Analyst Presentation 2015 -16. Analyst Presentation 2014 -15. Last Updated On : Saturday, 04-11-2023.


Dear Shareholders, It gives me immense pleasure to place before you the highlights of your Bank's performance during FY2022. Details of the achievements and initiatives taken by your Bank are provided in the enclosed Annual Report for FY2022.


SBI Funds Management Limited is the fastest growing AMCs with a growth of over 10.83% against the industry average of 5.55% in FY2023. It has one of largest investor bases with over 121.80 Lakh live investor folios with about 27 Lakh new investor folios added in FY2023.

Investor Presentation Q4 FY22 April 29, 2022. Q4 FY22 Key Highlights Strong business performance driving higher profits ... SBI Open Market Channel wise Split Cards-in-force ('000) 11,822 13,161 13,767 Q4 FY21 Q3 FY22 Q4 FY22 Channel wise Split 8 791 1,008 1,002

7 O 0 State Bank of India investor presentations, annual reports, calls Competitors/Peers Segment Analysis Quarterly Results Annual Results Balance Sheet Financial Ratios Cash Flow Documents Earnings Calls Annual Reports Investor Presentation Search Inside the pdf : Annual Report Mar-2023 pdf Annual Report Mar-2022 pdf Annual Report Mar-2021 pdf

Investor Presentation Q3 FY22 January 24, 2022 Q3 FY22 Key Highlights Robust fundamentals, strong business performance PAT ₹ 386 Cr, 84% YoY Continuing focus on business growth New accounts at 1MN+, 10% YoY Total Spends at ₹ 55,300 Cr+ 47% YoY Retail spends at ₹ 42,400 Cr+, 36% YoY Corporate Spends at ₹ 12,900 Cr+, 93% YoY

Q4 FY2019-20. SBI Card Investor Presentation March 2020. Download. "SBI Cards and Payment Services Limited" was formerly known as "SBI Cards and Payment Services Private Limited". Site best viewed in browsers I.E 11+, Mozilla 3.5+, Chrome 3.0+, Safari 5.0+ on all desktops, laptops, and Android & iOS mobile/tablet devices. Business ...

Investor Presentation Q1 FY23 July 28, 2022 Q1 FY23 Business Highlights Strong business performance driving higher profits PAT ₹ 627 Cr, 106% YoY Sustained business growth New accounts at 900K+, 48% YoY Spends at ₹ 59,600 Cr+ 79% YoY Receivables at ₹ 33,215 Cr, 36% YoY Robust financials Total revenue at ₹ 3,263 Cr, 33% YoY

Financial Results Presentations Presentations Latest Presentations November 29, 2023 SBI Holdings, Inc. 2023 Information Meeting (5.76 MB) Past Presentations Adobe Reader You need to download Adobe Reader to view these PDF files. There is no charge for downloading Adobe Reader.

1 Macro Economic Indicators 04-05 4 Capital Adequacy & Asset Quality 28-33 7 Subsidiaries, Group Financials & Balance Sheet 52-57 2 Performance Highlights 5 Digital Journey 06-20 34-44 3 Financial Performance 21-27 6 Banking with a Purpose 45-51 Macro Economic Indicators Indicators Macro-economic indicators remain buoyant Economy in Sweet Spot

Investor Presentation Q2 FY23 Oct 27, 2022 Q2 FY23 Business Highlights Focus on business growth Robust financials: PAT ₹ 526 Cr, 52% YoY Higher Business Volumes New accounts at 1,295K, 36% YoY Spends at ₹ 62,300 Cr+ 43% YoY Receivables at ₹ 37,730 Cr, 41% YoY Robust Financials Total revenue at ₹ 3,453 Cr, 28% YoY

SBI Life's Investor Relations section helps you to find the latest information on current and historical financial information about SBI Life. close By pursuing your navigation on our website, you allow us to place cookies on your device. Join Us Tool Free 1800 22 9090 English हिन्दी বাংলা ગુજરાતી ಕನ್ನಡ

Full name: Metallurgicheskii Zavod Electrostal AO Profile Updated: August 10, 2023. Buy our report for this company USD 29.95 Most recent financial data: 2022 Available in: English & Russian Download a sample report. In 1993 "Elektrostal" was transformed into an open joint stock company.

The BN-800 fast reactor at unit 4 of Russia's Beloyarsk NPP has for the first time been completely switched to using uranium-plutonium mixed oxide (mox) fuel after a scheduled overhaul, according to Rosatom's fuel company TVEL. Beloyarsk 4 was connected to the grid and resumed electricity production after the completing its latest regular ...

In 1954, Elemash began to produce fuel assemblies, including for the first nuclear power plant in the world, located in Obninsk. In 1959, the facility produced the fuel for the Soviet Union's first icebreaker. Its fuel assembly production became serial in 1965 and automated in 1982. 1. Today, Elemash is one of the largest TVEL nuclear fuel ...

Investor Relations. State Bank of India, the country's largest commercial Bank in terms of profits, assets, deposits, branches and employees, welcomes you to its 'Investors Relations' Section. SBI, with its heritage dating back to the year 1806, strives to continuously provide latest and upto date information on its financial performance.


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