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There is a need to have more branches of banks and RBI should give more licences.    The total institutional lending that is being done in our country today is much below 50 per cent and that is why, there is a need to open more branches of different banks. That is probably the best way to spur SBI and other large PSBs to improve their efficiency and performance. 
          There is another possibility.  It is not an apprehension but this could be that this Bill could be a trial balloon to test how greater reductions in its ownership of banks are likely to be received.  I would conclude by reminding this House when SBI hired the Brabourne Cricket Stadium  in Mumbai to show case its technology prowess -- I think many of us have seen that or you  must have read about it -- the bank came of age.  That evening whoever had witnessed that event which the SBI had organised must have seen that. The bank had bought all its 13,000 branches under what is known as core banking solutions making it one of the largest banks in Asia to have a single CBS platform.  One can say that the elephant has learnt to dance.  But I would also add here that it will dance to a tune only when the middle class, high net-worth customer and the poor of this country believe in its functioning and have faith in it. 
          Before I go to some of the important issues, I would just like to give a broad parameter under which the State Bank of India is functioning.  The State Bank of India’s deposit is Rs. 8,04,116 crore; these figures relate to 31st March, 2010.  Its advances are Rs. 6,41,480 crore; priority sector advances are Rs. 1,89,420 crore; agricultural advances are Rs. 78,250 crore; advances to weaker sections are Rs. 56,805 crore; and its net profit is Rs. 9166 crore. Its Capital to Risk  weighted Assets Ratio is 13.39 per cent, of which, Tier I capital is 9.4 per cent.  Its number of branches is 12,496: branches under the core banking solution.  The State Bank of India is one of the banks which has achieved hundred per cent core banking solution.  Its number of ATMs is 16,369; its number of employees is more than two lakh; and business per employee is Rs. 636 lakh.  These are the broad figures in respect of the State Bank of India’s performance.