1

List of Directors of Central Board, Committees of the Board, Members of the Local Boards and Members of the Central Management committee and the Bank's Auditors

2

Performance Indicators

3

Highlights From the Chairman's Desk Directors' Report

4

Management Discussion and Analysis

5

Economic Backdrop and Banking Environments

6

Financial Performance

7

Performance Highlights

• Global Markets

• Wholesale Banking Group

• Mid Corporate Group

• National Banking Group

• Rural Business Group

• Corporate Strategy and New Business

• International Banking Group (IBG)

• Associates & Subsidiaries

• Asset Quality

• Information Technology

• Risk Management & Internal Controls

• Business Intelligence

• Customer Service & Community Services Banking

• Corporate Communication & Change

• Organisational Planning

• Right to Information Act (RTI Act 2005)

• Human Resource

• Business Process Re-engineering

• Official Language

8

Responsibility Statement

9

Corporate Governance

10

Annexures

11

Balance Sheet, Profit & Loss Account, Cash Flow Statement and Report of the Auditors of

• State Bank of India

• State Bank Group (Consolidated)

12

New Capital Adequacy Framework (Basel-II)

13

Pillar - III (Market Discipline) Disclosures