1

Contents

2

List of Directors of Central Board, Committees of the Board, Members of the Local Boards and Members of the Central Management Committee and the Banks Auditors

3

Financial Highlights

4

Performance Indicators

5

Highlights

6

From the Chairmans Desk

7

Directors Report Management Discussion and Analysis Economic Backdrop and Banking Environment

8

Financial Performance

9

Performance Highlights

• Global Markets Operations

• Corporate Banking Group

• Mid Corporate Group

• National Banking Group

• Rural Business Group

• Cross Selling

• Corporate Strategy and New Business

• International Banking Group (IBG)

• Asset Quality

• Associates & Subsidiaries

• Information Technology

• Risk Management & Internal Controls

• Customer Service & Corporate Social Responsibility

• Corporate Communication & Change

• Right to Information Act

• Human Resources

• Business Process Re-engineering

• Official Language

• KYC/AML/CFT Measures

• Fraud Prevention & Monitoring

• Compensation Policy for Deficiency in Service

• Bank's Outsourcing Policy

• Super Circle of Excellence

• Green Banking Initiatives

10

Directors Report

Responsibility Statement, Acknowledgement

11

Corporate Governance

12

Annexures I to V

13

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

• State Bank of India

• State Bank Group (Consolidated)

14

New Capital Adequacy Framework (Basel-II) Pillar  III (Market Discipline) Disclosures

15

New Capital Adequacy Framework (Basel-II) Pillar  III (Market Discipline) Disclosures