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1 ÿ ˆ ÅŠ º ˆ½Å ] ½ íÿ \ í ½ íÿ í ú œ ½ Ä 2016 Sustainability Report 2016

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3 CONTENTS Foreword...3 Chapter 1: State Bank of India: Our Journey So Far...23 Our Legacy...23 Chapter 2: Social Accounting for SBI A Brief Overview of Social Accounting Social Accounting for SBI...29 Chapter 3: Our Stakeholders Stakeholder Level I: Customers, Employees and the Government Stakeholder Level II: Investors Stakeholder Level III: Society at Large Environment...47 Chapter 4: Unique Contributions of SBI in transformation of lives of communities Financial Inclusion Youth for India Digital Initiatives Defence Services Banking Disaster Relief in India and Abroad Women Empowerment...83 SBI Pinkathon Empowering the Differently Abled Focus on Disadvantaged Sections Education: Investing In The Future Generations Rural Sector Agriculture...91 Other Thrust Areas Micro, Small & Medium Enterprises (MSMEs) Employment Generation & Employability...91 Chapter 5: Business Responsibility Report...97 State Bank of India Sustainability Report

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5 Foreword

6 š ˆÅ ½ ž ú ½ ÿˆå íÿ ½ ½ íú œ ½ ž ú í š ˆÅ Š íˆå Ê, ½ ˆÅ Ê, ˆÅŸ Ä\ Ê ½ ˆÅú ž ƒä ˆ½Å ½Š ˆ½Å œ Ê Ÿ Ê ½ Š ½ í í ž ú ½ ÿˆå ½ ˆÅ ½ õ µ ] ˆÅ ÿˆå í ƒ ½ ž ú Ä ˆÅ œ š Ÿ ] í ž ú ½ ÿˆå íÿ ½ ½ íú Ÿ Ÿ ú ˆ½Å í Ê ˆÅ ½ œ ½ œ Ÿ º í ú œ Ê Ÿ Ê í í ½ í íú ˆ½Å œ Ÿ º œ Ÿ ˆÅ í œ ú œ ½ ž ú ½ ÿˆå ½ Ÿ ˆ½Å º³Åœ œ ½ œ ˆÅ ½ [ í í 2 ½ ˆÅú íÿ ú œ íú íÿ ½ Š íˆå Ê ˆ½Å ˆÅ œ Ÿ µ í œ ú œ Å Ê ½ Ê Ÿ Ê ºš ˆÅ ½ ˆÅú œ ú ½] Ÿ Ê íÿ œ ú œ µ Ê œ Å Ê ˆÅú Š œ º Ä \ ˆÅ í½ íÿ, ˆÅ ½ íÿ ½ Š íˆå Ê ˆÅú ˆÅ Ê ˆÅú œ» Ä ˆ½Å º³Åœ í Ê íÿ ½ œ ú œ Å Ê ˆÅ ½ ] ƒ] ˆÅ ½ ºœ º ÄŠ ú \ Ê ˆÅ ½ š º ˆÅ ½ ˆ½Å ˆÅƒÄ œ í ˆÅ íÿ íÿ ú ] ú ƒä ƒ \, ú Ÿ, ½ ÿ ˆ ÅŠ ] Š œ í œ ú ºœ º ÄŠ ú ˆÅ ½ ½ ˆ½Å œ íÿ ú œ ˆ½Å œ í µ íÿ ž ú ½ ÿˆå ½ ž ˆÅ ½ Ÿ Ä Š í, ] ½ œ ½ ˆÅŸ Ä\ Ê ˆÅú Ÿ ˆÅ œ» ž ½ ˆÅ œ ˆÅ í í ž œ µ Ê ˆ½Å ] ] Ä ˆÅú ˆ Å ˆÅ ½ [õ ½ í Š íˆå ½ Ÿ Ê ˆ Å ˆÅ ½ [õ ½ í íÿ ½ ½ ž ˆÅ, º š ] ˆÅ œ º Æ ] ½ œ í Ê ˆ½Å ] Ÿ í Ê ˆÅ ½ š ˆÅ ˆÅ œ ½ ˆÅ Ä ˆ½Å ú\ Š ž ½ ˆÅ ½» ˆÅ ½ ˆ½Å ˆÅ Ÿ ž ú íÿ ƒ ˆ½Å, œ ˆÅ ÿˆå ú ˆÅ ³Åœ ½ Æ ˆÅŸ Ä\ Ê ˆ½Å ºˆ»Å ˆÅ Ä œ ½ ] ˆÅ \ í í, ] ½ ½ œ ú œ» ú Ÿ ˆ½Å º³Åœ ˆÅ Ä ˆÅ ˆÊÅ Ÿ ] ˆÅ ÿ ˆ ÅŠ ž ú ½ ÿˆå ˆÅ ž Š í íÿ ½ ½ ˆ½Å º» Ê Ÿ Ê í ½ ½ ž ú ½Š Ê ˆÅ ½ ÿ ˆ ÅŠ º š Ê ˆÅú ºœ º ÄŠ ú ˆÅ ½ ˆ½Å œ ½ Š ˆÅú ˆÅ ž ˆÅ íÿ ú Ÿ ½ Ÿ Ÿ Ê ½ Š ½ í½ º» Ê œ ÿ ˆ ÅŠ ˆÅ ½ œ íº \ ½ ˆ½Å œ Ê Ÿ Ê íÿ ˆÅ ˆÅ ž ú Ÿ Ä ˆÅ í½ íÿ íÿ Ê, ˆÅ Ê, ˆÅ œ ½ ½, º Ÿ Ê, ˆÅŸ Ä\ Ê, Š Ÿ úµ ˆÅ úš Ê, Ê, º Ê º] ºŠ ½ ˆ½Å ÿˆå íÿ ƒ ½ š Š íˆå Ê ˆ½Å íÿ œ ½ˆÅ ž ú ˆ½Å ÿˆå ˆ½Å ³Åœ Ÿ Ê ] ½ ] ½ íÿ Ÿ ] ˆÅ ˆÅú ž ž ú ½ ÿˆå ˆÅú ˆ Å Ÿ Ê Š í ³Åœ ½ Ÿ í íÿ œ \ ˆÅ ú ˆÅú ˆÅ œ Ÿ Ê ½ ½ œ í ½ íú Ÿ ] ˆÅ ˆÅ µ ˆÅ ú œ í ˆÅ í½ íÿ Ÿ ] ˆÅ ˆÅ ˆÅ ˆÅú œ ú œ íº \ œ ˆ½Å \ ½ íÿ ú ƒä» ûå Á ƒ, Š Ÿ úµ º ˆ½Å œ µ ˆ½Å ½, Š Ÿ úµ ½Š Ê ˆÅ ½ ˆÅ ½ ˆ½Å ú ˆÊÅ \ ˆÅƒÄ Š š Ê ½ ] º õ½ íÿ ÿˆå ˆ½Å ú Š š Ê œ ˆÊÅ š º ˆÅ ½ ˆ½Å ˆÅ Š Š ú ƒä ûå ½ Ä 2 5 Ÿ Ê º³Å ˆÅ Š íÿ œ Ä µ µ ˆ½Å œ ž ú Š í ³Åœ ½ œ í ˆÅ Ä ûºå œ ˆÅŸ ˆÅ ½ Ÿ Ê œ ½Š ½ í½ íÿ íÿ ½ ˆÅ Š ] ˆ½Å œ ž ½Š ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å ] Ä ½ \ ½ ½ ú Ÿ Š ½ ˆ½Å ] ˆÅ œ ˆÅ \ ˆÅ Ä Ê Ê Ÿ Ê ú ƒ Æ Š ˆÅ Ä ÅŸ º³Å ˆÅ íÿ íÿ œ ½ Š íˆå Ê ˆÅ ½ Ÿ ½ œ ˆÅ ½ ˆ½Å œ í íÿ œ ú ½ Ê ºœ º ÄŠ ú Ÿ Ê Ÿ Ê ºš ½ ˆÅ œ ˆÅ í½ íÿ, ] ½ ½ \\ ˆÅ ½ ˆ½Å º³Åœ í Ê íÿ ž ú ½ ÿˆå Ÿ Ê \ œ ú \ \ Ê Ÿ» Ê ½ \ í ½ ½ íÿ ĈŠí ú œ ½ Ä œ ˆÅ ˆÅ ½ ˆÅú º Å ˆ½Å íÿ œ Ä µ ½ ˆ½Å œ ] ŸŸ ½ ú ˆ½Å ˆÅ Ä ˆÅ ½ íÿ, Æ Ê ˆÅ íÿ œ ½ Š íˆå Ê ½ ˆÅú Ÿ º ˆÅ ½ ˆ½Å ˆÅƒÄ Š š Ê ˆÅ ½] ˆÅ ½ íÿ š, Åš ž à \ Ä š 4 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

7 FOREWORD BY CHAIRMAN State Bank of India has always been in the forefront of industry s efforts to pursue the welfare of all its stakeholders-customers, investors, employees and the nation at large. SBI is the largest commercial bank in the country and is considered a proxy to the Indian economy. SBI always places the interests of the common man at its core and sustainable business practices are its key priority. Since its inception, SBI has been constantly evolving with changing times. Our 210 years of existence attests to the trust and loyalty of our customers. In our quest to improve our processes and services, we have been constantly reengineering our systems and processes in order to align them to meet the needs of our customers. We have launched many new initiatives to digitize our processes and modernize delivery channels. Our digital branches- SbiInTouch, ATMs, Netbanking and digital village initiative amply demonstrate our commitment to transform our delivery. SBI is a caring and enabling organization and strives to unleash the potential of its employees. It fosters a constant learning culture through various trainings and promotes excellence in customer service and efficiency. We have taken steps to improve the gender diversity in our workforce by enabling women through initiatives like sabbatical, convenient placements etc. Also, SBI seeks to create a conducive work environment to enable our differently abled employees to perform at full potential. Social Banking is an integral part of SBI. We lead the financial inclusion mission by leveraging technology for delivering banking services to one and all at the remotest parts of our country. We have been supporting the Government in pursuing its initiatives for making banking accessible at remote locations. We are the bankers for the defence forces, farmers, corporate, small entrepreneurs, employees and rural artisans, students, the young and the old and with a vast diversity of customers, we are known as the Banker to Every Indian. Social responsibility is deeply ingrained in the culture of SBI. We have been undertaking social welfare initiatives much before the formal CSR concept came into existence. With our reach and commitment to societal development, we have engaged in various activities such as SBI Youth for India, RSETIs for training rural youth, running Financial Literacy centres for educating the rural people. A dedicated structure- SBI Foundation- was launched in 2015 to ensure focused attention for CSR activities of the Bank. We are deeply committed to environmental protection and to contributing to reduce the carbon footprint. We have launched digital and alternate channels to reduce the paper usage and recycling programs for energy conservation in offices and branches, besides installation of solar powered ATMs. We are passionate about ensuring that our customers get the best services and strive constantly to improve upon our services and delivery standards to match the best in class. In SBI, we are driven by time tested business ethics and values. With the initiation of publishing the yearly sustainability report, we reiterate our commitment to ensuring that we act responsively towards the environment and our country as we undertake our various activities to ensure the prosperity of our customers and our nation. Thank you, Arundhati Bhattacharya Chairman State Bank of India Sustainability Report

8 œ š ½ ˆÅ ˆÅ œ ½ ½ ÿ ˆ ÅŠ ˆÅ ½ œ í š ˆÅ, µ ] ˆÅ ÿˆå Ÿ ] ˆÅ ˆÅ Ÿ Ê íº íú Ÿ í œ»µ Ä ž» Ÿ ˆÅ ž ½ íÿ œ Ä µ ú Ÿ ] ˆÅ œ Ê ˆ½Å Ÿ µ ˆ½Å ] ÿˆå ˆ½Å œ Ÿ º Ê Ÿ Ê ½Š ˆÅ ½ ] ½ õˆå œ ˆÅ Ä ú  ˆÅ š º ˆÅ ÿ ˆ ÅŠ ˆÅú Ä í ž ú ½ ÿˆå ½ ˆ½Å ˆÅ ˆÅ ž ] Š í í íÿ ½ ÿˆå ½ ½ ³Åœ ½ ˆ½Å ˆÅ Ÿ Ê íº õ ½Š í íÿ ú Š š  š œ ˆÅ ˆÅú œ ½] Ê ˆ½Å ³Åœ Ÿ Ê û Å ú íºƒä í, ] Ÿ Ê õ½ œ Ÿ ½ ˆÅú ½ ú œ ½] Ÿ íÿ, ] ½ Ÿ ] ˆÅ ½ [ \ Š º š œ ˆÅ ú í íú ƒ Ÿ Ê ˆ Å ˆÅ ½ [õ ½ ½ ˆ½Å» Ÿ µ ž ú Ÿ í, ] ½ Š Ÿ úµ Ÿ º Ê ˆÅ Æ ˆÅ µ ˆÅ í ƒ ˆ½Å Äí ˆ½Å íÿ ½ ˆÅ Á œ ½ ½ Ÿ ] ˆÅ ½ š Š š Ê Ÿ Ê íÿ ½ íº íú \ ½Š í í í ú œ ½ Ä š Š š Ê ˆÅ ½ ] Š ˆÅ ½ ˆÅ œ í, ] ˆÅ Ÿ ] œ œ ž œ õ í ] ˆÅ íÿ í í œ Ä µ ¾ í ú œ Ä µ í ú ˆÅ ½ œ ˆ Å ˆÅ š Ê ˆÅ ½ úµ ÅŸ µ í ½ ½ ½ \ ½ œ Ä µ ˆÅú Š ºµ ˆÅ ½ ú Ä š ˆÅ ½ ˆ½Å œ Ä µ ˆ½Å ˆÅ Š œ»µ Ä ˆ½Å ³Åœ Ÿ Ê œ ž ˆÅ ] ˆÅ í œ Ä µ í ú ˆ½Å œ œ ½ Ÿ Ê íÿ [õ \ Š Š [õ \ Š ½ Ê ½ µ Ê ˆÅú œ ½] Ê œ š ˆÊÅ ˆÅ ½ íÿ Ä 2 ˆ½Å ] ú œ, ˆÅ ½, ] ú Ÿ, õˆå œ º, ½ Š ] ½ ž ½ Ê ˆ½Å ˆÅ Á œ ½ ½ Ê ˆÅ ½ õ½ µ ½ ½ ˆ½Å ÿˆå ½ ˆÅƒÄ ] ú, ÿœ, Á íú ú ÿœ ú ½, Š ½ íê ½ œ Å ˆÅ ½ õ \ Ä ˆÅ íÿ ] Ä ] Ä ½ š Ÿ Ÿ Ê ˆ½Å œ ž ú ½ ÿˆå œ»µ Ä ³Åœ ½ œ í ƒ ˆ½Å ÿˆå ½ ˆÅƒÄ í ½ Ÿ í œ»µ Ä ½Š íÿ, ] Ÿ Ê ] Ä ˆ½Å ½ Ÿ Ê ú í ½Š ƒä œ í Ê Ÿ í íú œ Ä µ š ú Ÿ º Ê ] Ä Š íµ ˆ½Å Ÿ í ½ ] º õ½ œ Ê ˆÅ ½ œ ž ú Ÿ í ƒ š Ÿ Ê Ÿ í, Š º] Ÿ º Ÿ Ê ÿˆå ˆÅú Ê ˆÅ Ä Ê ˆÅú ] ú ˆÅú ˆÅ Ê ˆÅ ½ ½ ½ íº 5 Ÿ ½Š Á Ÿ ˆÅú œ \ ƈŠ Š ½ ú í íú ˆÅƒÄ ˆÅ ] Ä œ í º³Å ˆÅú Š ƒä, ] Ÿ Ê ƒä ú ƒ Ê ˆÅ ½ œ, ½µ ú ˆ½Å ú Š, ] Ä Á íú Š Ÿ íÿ ] Ä ˆ½Å š Ÿ Ê œ ½ ˆÅ ½µ œ ˆ½Å º³Åœ ÿˆå ½ ú ú Ê ˆ½Å ] Ä ˆÅ ˆÅ Ÿ Ä ˆÅ í, ] ½» ½ œ ÿˆå ûå Á ˆÅ Æ ½ œ Ÿ ½ 2 5 Ÿ Ê œ ½ Ÿ Ê ½ ] Æ ƒÿ ½ \ ½ ] ˆÅ Á ûå ½ Ÿ Ê œ º ˆÅ Š ] Ä œ ½ µ Ÿ Ê Š µ ú ž» Ÿ ˆÅ ˆÅ ½ ½ ½ íº ÿˆå ˆÅ ½ ž ˆÅ ˆ½Å Š œ ûå ½ÄŸ Ä Ä 2 5 ½ ŸŸ ˆÅ Š í œï ¾Ô ½ Š ˆÅú íÿ œ \ º š ˆ½Å œ \ ] ½ Ÿ Ê ˆÅ ½» Ÿ ˆÅ ½ ˆ½Å œ ½ Š ˆÅú œ í Ê ˆÅ ½ íÿ ½ œ ½ í ½ ½ íÿ ½ ú œ í Ê Ÿ Ê ˆÅ Á œ ½ ½ ƒ ½ ÿ ˆ ÅŠ ˆÅ Ÿ ½ ƒ ½ Ä Ä ½ ÿˆå ú í½ ˆÅ Á œ ½ ½ Ÿ í, ] ½ ˆÅ Á œ ½ ½ œ ½Æ Ê ˆÅ ½ ˆ½Å Ÿ ½ ƒ ½ íú ½ ½ ˆÅ ½ œ š ˆ Å ˆÅ ½ ˆÅú º š œ ˆÅ í ƒ ˆ½Å íÿ ƒä œ š ƒä ž ºŠ Ÿ š ž ú œ ˆÅ ½ íÿ íÿ ½ ûå œ» ĈŠœ ½ ˆÅ ½ ƒ í ½ ] ½ í, ] ½ íÿ Š Ÿ ú ½ Ÿ Ê š ˆÅ Ÿ» í ú í ˆÅ ˆÊÅ íÿ ˆ½Å í ú œ íú ˆÊÅ í íÿ Ê í ˆÅ Ÿ ] ˆ½Å œ íÿ ú ƒä œ Ê ˆ½Å íÿ Ê ˆÅ ½ œ œ ˆÅ ˆÊÅŠ ½ œ ˆÅ, ú ú Ÿ œ š ½ ˆÅ ˆÅ Á œ ½ ½ ÿ ˆ ÅŠ ú ú ú Ÿ œ š ½ ˆÅ 6 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

9 MESSAGE FROM MANAGING DIRECTOR (CORPORATE BANKING) Dear Stakeholder, Commercial Banks play a very vital role in sustainable development. The integration of sustainability into a bank s core businesses through the blending of environmental and social considerations into product design and strategies is the sine qua non of modern banking. The State Bank of India has been an integral part of the country s development story, with a specific mandate to contribute massively in nation building. Our activities span across diverse types of projects including large scale projects that provide public infrastructure as well as micro lending to support agriculture that empowers rural communities. Along with fulfilling this responsibility, we have always worked at contributing handsomely to CSR-related activities. This Sustainability Report tries to bring out the various activities which have a social impact that we have been a part of. Environment and Sustainability Environmental sustainability is defined as responsible interaction with the environment to avoid depletion and degradation of natural resources and maintain long term quality of the environment. From the perspective of environmental sustainability, we focus on projects within both infrastructure and non-infrastructure categories. During FY2016, besides large advances to corporates in various sectors like power (wind, coal, hydro and transmission), roads and bridges, oil and gas etc., the Bank has spent Rs crores for acquiring, commissioning and maintaining of a number of Solar power plants, Solar lamps, Solar water heaters, and Solar street lamps. Renewable Energy SBI is highly committed to issues pertaining to renewable energy. To this end, the Bank has made significant contribution in several ways, by way of financial support and initiatives in the area of renewable energy, as well as adoption of various measures that reflect the importance attached to environmental concerns and energy conservation. Notable in this regard is installation of Windmill capacity aggregating 15 MW for captive use of clean power by the Bank s branches/ offices in Maharashtra, Gujarat and Tamil Nadu, and several other in-house energy efficiency initiatives like switchover to LED lights, installation of star rated ACs, solar powered water heaters among others. In line with the approach and commitment in the Renewable Energy space, the Bank has endorsed the International Financial Institutions Statement on Energy Efficiency Finance which was presented at the Climate Change Conference in Paris, in November December 2015 by the European Bank for Reconstruction and Development. In recognition of the leading role in Renewable Energy financing, the Bank received the Outstanding Performance Award 2015 from the Government of India. Technology We always promote technology initiatives for operational convenience and to minimise operational risk. Such initiatives include mobile versions of Corporate Internet Banking, i.e. State Bank Anywhere-Corporate, which allow corporate users to initiate and authorise transactions through their mobile. Besides, we offer e-trade and various e-payment solutions. We have successfully reshaped our business so as to achieve more robust and sustainable growth over the years and are now a Bank focused squarely on growth with sustainability. We expect to meet our goals with a renewed commitment to society. Thank you, B. Sriram Managing Director (Corporate Banking) Shri B. Sriram Managing Director State Bank of India Sustainability Report

10 œ š ½ ˆÅ í ½Š ú º Š ú ˆÅ ½ œ í š ˆÅ, ½ Ê ½ ž ú š ˆÅ ž œ»µ Ä ˆ½Å íÿ ½ ˆ½Å ˆÅ Ÿ Ê ž ú ½ ÿˆå ½ íÿ ½ œ Ÿ º ž» Ÿ ˆÅ ž ƒä í ˆ½Å Š ˆÅ Ê ˆÅú ž ƒä íÿ ½ Ÿ Ÿ Ê íÿ ½ ½Äœ íú í íÿ ½ œ ½ Š ˆÅ ½ Ÿ Ê í ú ½ ˆÅú ] Š ³ÅˆÅ ˆÅ ž ú ž í, ˆÅ íÿ ú í ½ ˆÅú ½ ˆÅ ½ í½, ] ½ ˆÅ íÿ ˆÅƒÄ ½ ½ ˆÅ ½ í½ íÿ íÿ ú ƒ\ í ˆÅ íÿ ž ú ú ½ Ê ˆ½Å œ» ½ ½ Ÿ Ê ˆÅŸ œ ú ˆÅ œ ½ œ ½ í ½Š ú º Š Ê í ½ ÿˆå Ÿ»í ˆÅú 23,582 Ê ] Ÿ Ê,798 œ \ í ½Š ú ÿˆå Ê ˆÅú íÿ, ˆ½Å ½ ˆÄÅ ˆ½Å ] ú úÿ, Ÿ úÿ Š ] ú úÿ, Ÿ \ ½ ÿ ˆ ÅŠ, Ÿ»\ º û Å, ½Å ˆÅ Ä, û ÅÆ Š, œ ž» œ, œ Ê š œ š, ž ½ ú Ÿ º ] Ÿ Ê œ Ÿ ˆÅ ú œ í ž ú œ ˆÅ ˆÅú ú ½ œ ˆÅ í íÿ ½ œ ½ ½ Ÿ ]», í ú ÿˆå ½ ˆ½Å œ ½ œ Ÿ º Ÿ ]» íÿ, ] ½ Š íˆå Ê ˆÅú ž ú ú ] ³Å Ê œ» ú í ½ ú í ½ Ê ˆÅú œ š, œ íº \ ½ ˆ½Å Ÿ Š Ä œ Š í ½ˆÅ œ ½ Š íˆå Ê ˆ½Å ˆÅ ½ íÿ ú œ Ÿ ˆÅ íú í Ÿ ]» œ ˆÅ Ÿ ]» Š íˆå, ½Š Ÿ º ˆÅ Ÿ» Ê ˆÅ í ½ˆÅ íÿ Š íˆå ˆÊÅ ÿˆå \ í ½ íÿ ÿˆå ] ½ ž ú ˆÅ Ä ˆÅ í, Ÿ Ê Ÿ ½ ú Š í ú ³Åœ ½ ] º õú í ½ ú í ƒ ½ œ œ ˆÅ ½ ˆ½Å íÿ Ÿ ] ˆÅ ĈŠ³Åœ ½ œ ½ ½Š Ê ˆ½Å ½ ˆ½Å ºŠ ÄŸ ½ Ê ˆ½Å ½Š Ê ˆÅ ½ ú ½ œ š ˆÅ ½ œ ½ ³Åœ ½ š ½ í½ íÿ íÿ ú œ í ú í ú œ ½ Ä íÿ ½ ºˆÅ µ ú œ í Ê ˆÅ ½ ] ˆÅ ˆÅ ½ ˆÅ œ ˆÅ ú í íÿ ½ œ ½ ž ú ½ ÿˆå ˆ½Å í ½Š ú º Š Ÿ º Ê ˆÅ ½ ú ½ Ÿ ºí ˆÅ ú íÿ, ] íê œ œ Š ³Åœ ½ ú ½ œ Ê ] ] ˆÅ Š ÿ ˆ ÅŠ º š Ê ½ \ ˆÅ ½ ÿ ˆ ÅŠ º š ½ ½ ˆÅŸ Ÿ ½ ½Š Ê ˆÅ ½ œ ú Æ ˆÅ Ê ˆÅú ˆ½Å œ ½ ú š œ š ˆÅ ½ œ íÿ ½ œ ˆÊÅ í œ Ÿ º œ š ú ú ] ú ˆÅ œ š ½ ˆÅ Ä ˆ½Å ½ ÿˆå ÁûÅ œ ½ 752 ] ½ ˆÅ ½ œ Ê Ê ˆÅú í ½ ž ú Š Ê Ÿ Ê œ íº \ ˆÅ œ ½ œ ˆÅú œ š Ÿ ú ] š ½] ˆ½Å í ƒ ÿˆå 2 ½ ž ú š ˆÅ ½ ½ ½ Š, ƒ Ê ½.3 ˆÅ ½ õ Åœ ˆÅú ] Ÿ ] º ƒä Š ƒä, ½ ½ Ê Ÿ Ê ½ 94 œ ½ š ˆÅ ˆÅ ½ ³Å œ ½ ½ ˆÅ Ä ] ú ˆÅ ú ú Ê ˆ½Å º œ ž Ê ˆ½Å ½ Ÿ Ê Ÿ ] ˆÅ ] Š ³ÅˆÅ ½ í½ º œ ] Ÿ Ê ½ ] Š ½ Š ž ˆÅ ûåú ûå í ½ ÿˆå ÁûÅ µ ˆÅ ½ ˆÅ ½ ž ½ ÿˆå ˆÅ ú œ º ˆÅ Ÿ Ÿ ƒä ÿ ˆ ÅŠ ˆ Å œ º ˆÅ 2 5 Ÿ ž ú œ Š 2 4 ½ 2 ] ú 2 5 ˆÅ ˆÅú š Ÿ Ê š ˆÅ Ÿ Ÿ Ê š ú Š ˆ½Å ½ ÿˆå ÁûÅ µ ˆÅ ½ ˆÅú ƒ º ˆÅ º Ê ˆÅ ½ ÅŸ À» ú œ º ˆÅ Š ú Š š ˆ½Å Š Ä ½ ÿˆå ÁûÅ µ ˆÅ ½ ½ ú ƒ ú» ÁûÅ \ ½ ƒ ú ÁûÅ œ ½ ˆ½Å, Å œ º Ÿ ˆÅ ½ œ ˆÅ µ Ê ˆÅú ú ˆ½Å 3.94 Åœ ˆÅú Ÿ Ê ú Š ƒä 774 ˆÅ Ä Ê ˆ½Å œ ½ ½ ˆÄÅ ˆÅú œ ˆÅ œ íº \ ˆÅ ž ½ íº ú ƒä ƒûå ½ ˆÅƒÄ Š Ÿ úµ ½ Ê ˆÅ ½ º úˆ½å ½ úÿ º š œ ˆÅú ˆ Åœ ú Ä 2 Ÿ Ê ˆºÅ œ Á Ê Ÿ Ê ½ 24 œ œ Á ƒ 8 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

11 MESSAGE FROM MANAGING DIRECTOR (ASSOCIATES AND SUBSIDIARIES) Dear Stakeholder, State Bank of India, with a glorious heritage of more than two centuries, has always performed a central role in the development of our nation. The well-being of the nation and its citizens has always been paramount in our psyche. We are also seized with the awareness to make our organisation a truly sustainable one so that we continue to serve the nation in the same manner as we have done all these years. We desire to become the preferred one-stop shop across the country for all financial services. The State Bank Group, through Associates and Subsidiaries, with a network of 23,582 branches including 6,798 branches of five Associate Banks, also provides a whole range of financial services, including Life Insurance, General Insurance, Merchant Banking, Mutual Funds, Credit Card, Factoring, Security Trading, Pension Fund Management, Custodial Services and Trustee Business, and Primary Dealership in the Money Market. We have the key elements in place to build a strong, sustainable Bank which caters to all financial requirements of customers. Our priority is to make it simple and easy for our customers to do business with us by leading the way on availability, accessibility and service. We wish to be a customer-focused Bank, with a strong performance ethic and underpinned by strong customer, people and community values. Inclusiveness is deeply embedded in whatever the Bank does. To achieve this, our strong focus is on providing access to financial services for the socially and economically challenged as well to those in inaccessible regions of the nation. Our first sustainability report endeavours to showcase our exemplary initiatives. What we Offer SBI, and its Associates and Subsidiaries, bring financial services to communities that have traditionally been bypassed by financial service providers. Our efforts are focused on banking the unbanked and providing people with low and moderate income with financial tools they need to protect and grow personal assets. Shri V. G. Kannan Managing Director Key Achievements During the year, State Bank of Patiala reached 100% coverage of all the villages by engaging 752 Business Correspondents, opened more than 12 lakh accounts under the PMJDY scheme, mobilised deposits of Rs Crores from these accounts, issued RuPay Debit cards to more than 94% of the accounts opened. The Run Against Drug campaign across Punjab to create social awareness about the ill-effects of drugs was a huge success. State Bank of Travancore bagged the CSR and Business Responsibility Award for Emerging Bank and the MSME Banking Excellence Awards Enathu and Kadambanadu Branches of SBT were awarded II and III Ranks for maximum number of Aadhaar Seeding done for the period from 16 August 2014 to 26 January 2015 on all India basis. Under the CSR activity, SBT donated Rs 3.94 lakhs to Rotary Institute, Thiruvananthapuram for children in need of special care for purchase of equipment. Leveraging wider reach achieved through its network of 774 offices, SBI Life has systematically brought large rural areas under insurance. The company has sold 24% of total policies in this segment in FY2016. A total of 2,85,027 lives covered by the company State Bank of India Sustainability Report

12 œ š ½ ˆÅ í ½Š ú º Š ú ˆÅ ½ Ÿ Ê ½\ ú Š ƒ ˆ Åœ ú ] 285, 27 ½Š Ê ˆÅ ½ ] ú úÿ º œ ˆÅú Š ƒä í, ½ œ º š œ œ Ÿ ] ˆÅ ½ ½ íÿ ˆ Åœ ú ½» Ÿ Ÿ ] ˆÅ Š Ÿ úµ Ÿ ˆÅ Ÿ Ê ˆÅ ½ œ Äœ ³Åœ ½ œ ˆÅ í \\ Ê ˆ½Å ] ú ˆÅú Š ºµ Ÿ Ê ºš ˆÅ ½ º º š Ê, ˆÅ š ˆÅ \ ºš Š Ÿ úµ ˆÅ ˆ½Å Ÿ š Ÿ ½ Ÿ º Ê ˆÅ ] º õ º ˆÅ ½ ˆ½Å œ ú ƒä ƒûå Š š ½ í í ú ú Š Ê ˆ½Å Ÿ ˆÅ ˆ Åœ ú í ú ½ ] º õú íú ˆ Åœ ú ½ ˆÅ ½ š ˆÅ \\ Ê ˆ½Å ] ú ˆÅ ½ œ ž ˆÅ í œ» ½ ½ ž ˆ½Å 5 ½ ž ú š ˆÅ ˆÅ Ê Š Ê ˆÅ ½ í œ ˆÅú í 2 ]» 2 5 ˆÅ ½ ú ƒä ûå ½ ˆÅú œ ƒ Ä ˆÅú ˆÅ ĈŠŠ š íú í íÿ ú ž ú Š š Ê ˆÅ ½ ] ú ½ ˆ½Å ÿ ˆ ÅŠ Ÿ ½ œ í ½ Ÿ Ê ½ ½ ½ í½ º í í ûå ½ ˆÅ ž ú ½ ÿˆå ˆ½Å ž ú í ½Š ú ÿˆå Ê ˆ½Å ú Š š Ê ˆÅ ½] ˆÅ í Ÿ œ Ä œ š ˆ½Å íÿ ½ ˆÅƒÄ ˆÅ Ä ÅŸ º³Å ˆÅ íÿ, ] Ÿ Ê» ûå Á ƒ ˆ½Å ] º Ê ˆÅ ½ œ ½ í ˆÅ, \\ Ê ˆ½Å ˆÅ µ Ÿ Ê ºš ˆÅ, ˆºÅ ˆÅ ˆ½Å ½] ú ˆÅ ½ [õ ½ ú ƒä œ ˆÅ Á ˆ½Å ] Ÿ í Ê ˆ½Å ˆ½Å œ ] Š ³ÅˆÅ ] ˆÅ Ÿ íÿ œ º š œ œ ½Š Ê ˆÅ ½ š ˆÅ ½ ˆÅú œ ú \ ½ œ ½ í ½ˆÅ íÿ œ ú ú Š š Ê ˆ½Å Š Ä, º š, \, œ Ä µ µ, ] ú ˆÅ ½œ ] Ä œ ˆ Å ˆÅ œ Ê ˆ½Å Ÿ í œ š ½ í½ íÿ íÿ ½ Ÿ œ Ä œ ˆ½Å Ÿ» í ½Š ½ Ÿ ] ˆÅ ½ ½í Ÿ» ½ ½ ˆÅú Ÿ Ê íÿ œ ú ˆÅ ½ ] ú ÊŠ ½ ] ½ ] ½ íÿ œ ú œ Ê ˆÅú ûå Š ½ [õêš ½, íÿ Ê œ ˆ½Å º Ê ˆÅú œ ú í½š ú ºž ˆÅ Ÿ Ê ˆ½Å, ú ] ú ˆÅ œ š ½ ˆÅ í ½Š ú º Š 10 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

13 MESSAGE FROM MANAGING DIRECTOR (ASSOCIATES AND SUBSIDIARIES) are from the underprivileged social sector. It has substantially exceeded the minimum social and rural regulatory norms. SBI Life continues to remain focused on contributing towards improving the quality of life of children and engaging communities through healthcare facilities, educational and infrastructural improvement and rural development. The Company has engaged in societal sustainability through its partnership programmes with national and local organisations and has impacted the lives of more than one lakh children and extended support to over 500 educational institutions and organisations across the nation. One of the most exciting developments this year has been the creation of SBI Foundation on 26th June This is to extend our service beyond banking to continue our diverse CSR activities. This Foundation brings together the CSR activities for SBI and all its Associate Banks. With a dedicated management team, we have started many flagship programs including encouraging youth through Youth for India, improving children s welfare, promoting employability with skill development and creating awareness for women s health through SBI Pinkathon. Driven by our commitment to empowering the underprivileged, the focus areas of our CSR activities are education, healthcare, sanitation, environment protection, livelihood creation and assistance during natural calamities. With our dedicated team and with your invaluable support, we will continue our journey to deliver better value to the society. As we keep moving toward our commitments, we welcome your inputs and look forward to hearing from you. Very best wishes, V. G. Kannan Managing Director (Associates and Subsidiaries) State Bank of India Sustainability Report

14 œ š ½ ˆÅ ú ÿ ˆ ÅŠ Ÿ í ˆÅ ½ œ í š ˆÅ, ž ú ½ ÿˆå ˆÅú ˆÅ ˆÅ ½ ˆÅú Ä ˆÅú ˆÅ ˆ½Å íº Š í š í í í ƒ úÿ ˆÅ í í ˆÅ Æ íÿ ½ ÿˆå ˆÅ ½ Ä ˆÅ œ š Ÿ ] í Ÿ ] œ ˆÅ Ÿ ˆÅ œ ž ½ ˆÅ ½ ƒ Ÿ Ê Ä í í ˆÅ íÿ œ ˆÅ œ ˆÅ \ ˆÅ ½ íÿ íÿ ˆ½Å µ ] ˆÅ Ê ˆÅ œ ½ µ ˆÅ ½ íÿ, œ º, º, œ º š œ œ ½Š Ê ˆÅú í, Ÿ í Æ ˆÅ µ» ûå Á ƒ ] ½ ž ½ Ê ˆÅ ½ ž ú í ½Š œ ˆÅ ½ íÿ Š íˆå Ê ˆ½Å ÿ ˆ ÅŠ ˆÅ ½ š ˆÅ º š ] ˆÅ ½ ˆ½Å ½ ½ ½ Ÿ ½ ú œ Ÿ š Ê ˆÅú º Å ˆÅ ˆ½Å íÿ ÿ ˆ ÅŠ Ÿ Ê œ ½ Š ˆÅú ˆÅ œ ½Š [õ ½ Ÿ Ê Š µ ú í½ íÿ ÿˆå Š íˆå Ê ˆÅú ž ú œ ½ Ê ˆÅ œ Š ½ œ ½ Š ˆÅú š Ÿ š Ê ˆ½Å Ÿ š Ÿ ½ œ ½ Ê ˆÅ ½ œ» ˆÅ ½ ˆÅ ž ú œ ˆÅ í Ä 2 Ÿ Ê ÿˆå ½ ] Ê, Ÿ ½ ƒ, ƒ ½ ½ Ÿ ú ] ½ ž \ Ê ˆ½Å ] ½ ºœ º ÄŠ ú ˆ½Å œ ½ ½ ˆÅ ½ ˆÅ ÿˆå Ÿ ƒä œ ½ µ Ÿ Ê Š µ ú ] œ Ÿ º í í Ÿ ½ ž ú š ˆÅ Š íˆå Ê ˆ½Å 3 Ÿ \ Ä 2 ˆÅ ½,89,53 ˆÅ ½ õ Åœ ½ Ÿ ƒä ž Š ˆÅ ÿˆå ˆ½Å ˆºÅ Š Ÿ Ê Ÿ Ê Š ž Š 2.5 œ í í í Ä 2 Ÿ Ê ÿˆå ½ ƒäˆå ½ Ÿ ûå ƒ ÿ Š œ ½] ½Æ ˆÅú º Å ˆÅú í, ] ½ Ä Ÿ Ê [õ½ íº ƒä µ ] ˆÅ ûå ] ˆ½Å íÿ ½ œ ú, œ ˆÅ Ä, ½, ½, ÆŸ ½, ú ƒÿ ûå ½ ˆ½Å Š ] ½ õ ˆ½Å Š Ä ½Å Ê ƒ œ Ä Ä ƒä ½ Ä ˆ½Å Å \ ƒ] Ÿ Æ ú Š úš ½ Ä ˆÅ œ ½ µ ˆÅ º³Å ˆÅ í Ÿ \ ½ Ê ˆÅ œ ½ µ ˆÅ ½ ˆ½Å ˆÅ œ Ÿ º ½ Ÿ ½ ú œ ƒä Ÿ Ä Ÿ ƒä ˆÅú ³Åœ ½ ˆÅú Š ƒä í, ] ½ ƒ œ ˆÅ ½ ƒä µ ] œ ½ ûå ÁŸ Ä ˆ½Å Ÿ š Ÿ ½ ½\ ] ˆ½Å íÿ œ ½ µ Ÿ Ê ž ú ] Š µ ú íÿ í ˆÅ š ˆÅ œ Ÿ ˆÅ ½ í ] Ÿ Ê íÿ ú ] ½ ˆÅŸ í ½ ½ ½ í ž ú Æ œ ½ ú ˆÅ í íÿ Ÿ í µ Ê ˆÅ ½ ú Ê œ µ œ š ˆÅ ½ íÿ ½ ú ] ÿ ˆ ÅŠ œ í Ê Ÿ Ê ú ƒä ƒ \ Ê ˆÅú º Å ˆÅ Ÿ í, ] ½ Š ½ [õ ½ ž ú Ê ˆÅú ƒä ÿ ˆ ÅŠ œ ½ Ê ˆÅ ½ œ» ˆÅ ] ˆ½Å ½ š º ˆÅ Ÿ œ ˆÅ µ Ê ˆÅ ½ ˆÅ Ê ½ º ]] ú ] ú ˆºÅŸ œ š ½ ˆÅ íÿ ƒ Ÿ Ê Š íˆå ½ ûå Ä Ÿ ½ ½ ½ ½ ˆÅ ˆÅ í Á ƒ í ˆÅ ˆ½Å í ƒä ½ ûå ú ½ ˆÅ Á ÊÅ ½» ½ Ê ˆ½Å Ÿ š Ÿ ½ íˆå ú ½ ž ú œ š íÿ 3 Ÿ \ Ä 2 ˆÅ íÿ 7 œ ú Ÿ ] ÿ ˆ ÅŠ ½ Ê ˆ½Å 5 ú ƒä ƒ \ ½ \ ºˆ½Å íÿ Š Ÿ ú ž ˆÅ ˆÅ íÿ íÿ ½ ½ íú í í í ˆÅ ½ ˆ½Å ĈŠˆÅ Ÿ Ê Š Ÿ úµ ž ˆÅ ½Š í Š Ÿ úµ ½ ˆÅú œ Š ½ íú ½ ˆÅ ú º ˆÅ í ½ ˆÅ í Ä Ÿ Ê \ Ÿ ˆÅ œ Ä í ½ ½, Š ˆ Å Ÿ Ê í ½ ½, œ ž ½Š ž Å \ Ê Ÿ Ê ½ Š Ÿ úµ œ ž ½Æ Ê Ÿ Ê ] Š ³ÅˆÅ [õ ½ ½ ž ú Š Ÿ úµ ] Ÿ Ê Ÿ» \» í ½ í½ íÿ ½] ú ½ [õ ú íºƒä ˆÅ ½ Æ ú, ƒ Å Æ\ ½ œ Ÿ Ê Ê ˆ½Å œ í ½ ½ í ½ˆÅ ˆÅ Ê ˆ½Å ˆÅ µ í í ½ í½ íÿ ], íÿ ˆ Å µ ˆ½Å Š Ä. 9 ˆÅ ½ õ ½ š ˆÅ ˆ Å ˆÅ µ Ê ˆÅ ½ œ ú ½ œ š ˆÅ ½ íÿ Š Ÿ úµ ÿ ˆ ÅŠ ½ Ÿ Ê Š í ú œ íº íÿ ˆ Å ˆ½Å œ Ÿ Ä ˆÅ ½ Ä 2 ˆ½Å, ú ƒä ½ ž œ ½ Š ˆÅú š ½» œ º³Å ˆÅ íÿ, ] ½ ˆÅ Ê ˆÅ ] ú ] ˆ½Å íú ˆ Å µ Ê ˆÅ œ š ˆÅ ½ Ÿ Ê œ \ ˆÅ Ä Ÿ Ÿ Ê ºš ˆÅ ] ˆ½Å ƒ ½ Ÿ Ê ˆÅú Š ƒä œ Ÿ º œ í Ÿ Ê ˆ½Å ú ú ú Ÿ Åœ ½ ˆÅ Ä Ÿ í ˆ½Å ú ú Åœ ½ ˆÅ Ä ú Ÿ œ ú ½ Ÿ ú Ê œ š ³Åœ ½ œ \ í ½ ½ íÿ, ] ½ ˆÅ œ ú ˆÅ ˆ Å ˆÅ Ê ˆÅ ½ \ ú Ê ½ Ê š œ œ» ˆÅ ˆÅ ½ íÿ 12 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

15 MESSAGE FROM MANAGING DIRECTOR (NATIONAL BANKING GROUP) Dear Stakeholder, The evolution of State Bank of India has been very closely inter-twined with the development of the economy of the Nation, to the extent that our Bank is often referred to as a proxy to the economy. The goal of positively impacting the society is ingrained in how we run our business. We not only finance commercial businesses but also extend our support in various fields like education, healthcare, assistance to the under-privileged, women empowerment and Youth for India. We are at the forefront in leveraging technology in banking, through the launch of innovative products and solutions aimed at making banking more convenient to customers. The Bank also strives to anticipate the future needs of customers and deliver those expectations through technology based solutions. In FY2016, the Bank scaled up its offerings across various channels digital branches, mobile, internet and social media. The Bank has been the pioneer and market leader for SME financing. With over 1 million customers, the SME portfolio of Rs 1,89,536 crores (as on March 31, 2016) accounts for nearly 12.5% of the Bank s total advances. In FY2016, Ecosystem Financing (Project Shikhar) has been started by the Bank to take advantage of growing e-commerce footprints in the economy. Bank has started financing sellers/ driver-partners/franchisees of e-tailers/ m taxi aggregators/ franchisors under tie-ups with Snapdeal, Flipkart, Ola, Uber, Lakme, Anytime Fitness etc. A pioneering innovative product e-smart SME for financing merchants selling through e-commerce platforms has been designed. We are market leaders in Housing Finance, a very important priority sector area, with our interest rates being the lowest in the market, making housing affordable for every Indian. We offer concessionary rates to women borrowers. Among the notable Digital Banking initiatives is the launch of sbiintouch branches to cater to the Indians on the go. These branches are equipped with state-of-the-art devices/ kiosks, allowing customers to transact on a self-service mode. Besides onsite support, advisory services are available Shri Rajnish Kumar Managing Director through Remote Expert on hi-definition video conference. As on 31st March 2016, we had opened 115 sbiintouch branches besides the 7 premier digital banking outlets. Empowering Rural India We have always believed in the potential of rural India as an important contributor to India s economic growth. The progress of rural sector is integral to a sustainable and balanced development of the nation. The Indian rural market is undergoing a paradigm change with structural shifts in the economy, rising non-farm income, changing consumption preferences and increasing awareness among the rural consumers. This transformation is supported by several factors including rapidly rising connectivity, infrastructure development and emergence of new business opportunities. Today, we serve more than 1.09 crores farmer-borrowers under agriculture segment and are deeply entrenched in the rural banking arena. Smart Approach to Agri-business During FY2016, SBI introduced various technology based solutions and products to make farmers lives easier, while at the same time improving the operational efficiency for managing agriculture loans. A key initiative in this area includes the KCC-ATM-RuPay Cards. KCC RuPay Cards work seamlessly with ATMs and PoS machines, enabling farmers to purchase their day to day farm requirements on 24X7 basis. State Bank of India Sustainability Report

16 œ š ½ ˆÅ ú ÿ ˆ ÅŠ Ÿ í ˆÅ ½ ˆÅ Ê ˆ½Å š ž ˆÅú Š Ÿ úµ ú ˆ½Å ] ú ˆÅú Š ºµ Ÿ Ê ºš ½ œ»µ Ä ú Ÿ ½ í ˆÅ ½ ˆ½Å, Š Ê ˆÅ ½ œ ½ ˆÅú ú ƒä ˆÅ œ Š ½] Ä 2 8 Ÿ Ê º³Å ˆÅú Š ƒä ú Ä 2 ˆÅ,,42 Š Ê ˆÅ ½ ˆ½Å œ»µ Ä ˆÅ ˆ½Å œ Š í ˆÅ Ÿ º ˆ½Å š ½ ˆ½Å, ÿˆå ½ Š Ÿ úµ œ ˆÅ Æ Ê ˆÅ Š ž ú ˆÅ í ] ½ ½ Æ Ê ˆÅú,7 9 ˆÅ œ íºâ\ Š ƒä í œ Š Š Ê Ÿ Ê º³Å ˆÅú Š ƒä œ Ÿ º œ í Ê Ÿ Ê \ Š š µ ˆ½Å í ˆÅŸ» ú Ÿ úä ˆ ÅŸœ ½ ƒˆå ƒ Ê ˆÅ Ÿ ĵ ˆÅ, \ \ Ê ˆÅ Ÿ ĵ ˆÅ, Š Â Ê Ÿ Ê ƒ Š Ÿ ½ Ê œ Ä Ê ˆ½Å Ÿ š Ÿ ½ ] Š ³ÅˆÅ ˆÅ Ä ÅŸ \ ˆÅ Ÿ íÿ ú Ÿ ½ ž ú ½ ÿˆå ½ ˆÅú ú Ÿ ½ œ í Ê Ÿ Ê íÿ ½ Š ½ í í ÿˆå œ š ú ú Ÿ Á Ÿ Ê ž ú Š µ ú í í ú Š Ÿ úµ ½ Ê œ ˆÅ ˆ½Å Š íˆå Ê ˆÅú ÿ ˆ ÅŠ ˆÅ Ê ˆÅ ½ œ» ˆÅ ½ í½ º ÿ ˆ ÅŠ ½ œ š ˆÅ ½ í ˆÅ ˆÅ œ ˆÅ Ÿ Á í í ½ Ÿ Á í ] ˆ½Å íº ˆÅŸ ˆ½Å ½ ½ ˆÅ ] ½ íÿ ½ ž Ÿ Ê 4, 28 Š íˆå ½ ˆ½ Å Ê ú œ ú ˆ½Å ú ú Ÿ Á ž œ ˆÅ ˆ½Å œ ½ œ š ˆÅ í ] ½ \, š ] Ÿ,» Ÿ µ, š œ ½ µ, µ Š ú Ÿ ƒ Å ½ œ Ê ÿˆå ½ ƒ ½ š ˆÅ ½ ˆÅ ÿ ˆ ÅŠ, ˆÅ Ä ½ ûå ½ š Ÿ ½ ] Š \ Ê ˆÅú º Å ˆÅ ˆ½Å ú Ÿ ½ ˆÅ ½ [õ ½ Ÿ Ê œ ½ Š ˆÅú ˆÅ ûå œ» ĈŠœ ½Š ˆÅ í œ š Ÿ ú ] š ½] œ ú Ÿ ] ½ ú ƒä ˆ½Å ˆÅ Ä Ÿ Ê ž ú ½ ÿˆå ½ š ˆÅ Å í í 3 Ÿ \ Ä 2 ˆÅ íÿ ½ 5.32 ˆÅ ½ õ ½ ½ ½ íÿ œ Š íˆå Ê ˆÅ ½ 4.2 ˆÅ ½ õ Åœ ½ ½ ˆÅ Ä ] ú ˆÅ íÿ ƒ Ÿ Ê ½ ½ š ˆÅ ˆÅ Ä ½ ˆ½Å ˆºÅ š ˆÅ \ º ú ½ ½ Ê Ÿ Ê ] ú ˆÅ Š íÿ Ä 2 Ÿ ½ ˆÅ º³Å ˆÅú Š ƒä ú œ Ÿ º Ÿ ] ˆÅ º ½] ½ Ÿ ½ íÿ ½ œ ž ú [ Š ½ ž Š 3 Ÿ \ Ä 2 ˆÅ ½ œ š Ÿ ú º úÿ ½], œ š Ÿ ú ] ú ] ½ úÿ ½] œ ½ ½] Ÿ ½ œ ] úˆå µ ½ ˆÅú ÅŸ À 49. 2, íú ½ ˆÅ \ ÿˆå º Ê ˆÅú Ÿ Ê ž ú íºƒä í Ä 2 Ÿ Ê ½ ½ Ê ˆÅú [õˆå 9.28 ˆÅ ½ õ í ½ Š ƒä ] ˆÅ Ä 2 5 Ÿ Ê ƒ ˆÅú 7.28 ˆÅ ½ õ ú œ š Ê ú ú ˆ½Å Ÿ š Ÿ ½ \ ½ ½ Ê ˆÅú Ÿ Ê 49 ˆÅú íºƒä Ä 2 Ÿ Ê ½ ½ ½ ½ Ê ˆÅú [õˆå Å.58,2 7 ˆÅ ½ õ Åœ í ½ Š ƒä ] ˆÅ Ä 2 5 Ÿ Ê ƒ ˆÅú Å.38,973 ˆÅ ½ õ Åœ ú \ ] ú ÿˆå µ ½] ˆÅ Ä ÅŸ ˆÅú Ä 992 Ÿ Ê º Å í ½ ½ ˆ½Å Ÿ ½ íú, íÿ ½ ƒ ˆÅ Ä ÅŸ Ÿ Ê Å ½ ž Š í 3 Ÿ \ Ä 2 ˆÅú ˆ½Å º, 3. í Ÿ»í Ê \ ] ú ½ ˆÅ ½ Å.5,495 ˆÅ ½ õ ˆ½Å µ œ š ˆÅ ½ ˆ½Å ÿˆå \ ] ú œ ½ µ Ÿ Ê ] Š µ ú í í ƒ Ÿ»í Ê Ÿ Ê 9 Ÿ í í Ÿ»í íÿ Š Ÿ úµ ] ˆÅ ½ ÿ ˆ ÅŠ ½ œ š ˆÅ ½ ˆ½Å ½ Ÿ ½ ú, œ ½ Š ˆÅú š \ Ê ˆ½Å ˆÅ œ Š š ˆ½Å ˆÅ ½ ½ íÿ ½ˆÅ ƒä œ í Ê ˆÅú º Å ˆÅ ½ Ÿ Ê ûå í½ íÿ, ] ½ š ˆÅ Ä ½ ] º õú ž ºŠ œ µ, \ ƒä ˆ½Å ƒä ú, º ž ºŠ Ä, Ÿ ƒ Å ½ ú Ÿ ˆÅú º Å, œ ú Ÿ ] ½ ú ƒä ˆ½Å Š Ä ½ º š ú ½ ú ½ \ ÿˆå ½ ½Æ ½ ûå ûå ú ú ú ú ú ú ž ºŠ ž Ÿ Ê íÿ í ˆÅ ½ íÿ ˆÅ íÿ ˆÅ íº ] úœ» ĈŠŸ ] ˆÅ ˆÅ ˆÅ ½ š Ÿ Ê ˆÅ ˆÅ ÊŠ ½ ½ ˆÅ ½ ˆ½Å ú Ä œ ½ ] ½ ˆ½Å íÿ Ÿ í œ»µ Ä ½Š ÊŠ ½ íÿ œ ˆ½Å í ½Š ˆÅú ˆÅ Ÿ ˆÅ ½ íÿ œ ˆÅ, ] ú ˆºÅŸ œ š ½ ˆÅ ú ÿ ˆ ÅŠ Ÿ»í 14 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

17 MESSAGE FROM MANAGING DIRECTOR (NATIONAL BANKING GROUP) Bonding with Farmers To improve the quality of life of India s rural population and to achieve total financial inclusion, the SBI Ka Apna Gaon Scheme of adopting villages was initiated in FY2008. By FY2016, 1,426 villages have been adopted for their overall development. The Bank has also been forming Farmers Clubs at village level, for fostering continued relationship with the farming community. Today, the number of such clubs has reached 10,719. The key initiatives taken in adopted villages include the construction of community vermicompost units under clean village concept, the construction of hygienic toilets, installation of Solar lighting in the villages, and conducting awareness programmes through melas and exhibitions. Financial Inclusion State Bank of India has been at the forefront of Financial Inclusion initiatives in the country. The Bank is the pioneer in the Business Correspondent (BC) model, an alternative mode for providing banking services to cater to both urban and rural customers, a segment which is still characterized by small value transactions. The BC model, with over 64,628 Customer Service Points (CSPs) across the country, provides various products and services such as savings, term deposits, micro loans, remittances, loan repayments and micro-pension. The Bank has successfully leveraged technology for propagating Financial Inclusion by introducing Internet based Kiosk Banking, Card based and Cell phone messaging channels. Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), SBI has been amongst the most prolific at implementing the programme. We have opened 5.32 Crores accounts up to 31st March, 2016 and issued 4.21 Crores RuPay debit cards to eligible customers. A substantial number of these cards were issued in some of the most challenging areas of the country. We have effectively participated in the three major Social Security Schemes launched by the Governement in FY16. The enrolments as on 31st March 2016 in Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension Yojana were lakh, lakh and 3.31 lakh respectively. The number of Basic Savings Bank Deposit/Small accounts has also grown from 7.28 Crores in FY2015, to 9.28 Crores in FY2016. The value of transactions handled through Business Correspondents has increased by 49% from Rs. 38,973 Crores in FY2015, to Rs. 58,217 Crores in FY2016. We have actively participated in SHG-Bank Credit linkage programme since its inception in As of 31st March, 2016, the Bank is the market leader in SHG financing with a credit deployment of Rs. 5,495 Crores to 3.6 lakh SHGs, 91% of which are women SHGs. Continued focus on the development of innovative, technology-enabled channels for delivering banking services among the rural populace has resulted in the successful launch of several new initiatives like Aadhaar Enabled Payment Systems, automated e-kyc, Immediate Payment Server, Micro ATM rollout, Savings Bank Account with Overdraft (SB-OD) facility under PMJDY and Direct Benefit Transfer (DBT/DBTL) payments. Going forward we are sanguine that we shall grow in a very responsible and sustainable manner and contribute significantly in taking the Nation to the top of the world. We look forward to your continued support always. Thank you, Rajnish Kumar Managing Director (National Banking Group) State Bank of India Sustainability Report

18 œ š ½ ˆÅ ºœ ] ½ Ÿ ˆÅ ½ œ í š ˆÅ, ˆÅ œ ½ ½ í ú ˆÅ Ä ˆÅ ú Š ˆÅú Š š Ê ½ š í ½ í, ] ½ œ \ Ê í š ˆÅ Ê ˆ½Å ˆÅú \ ú Ÿ Ê Ÿ ] ˆÅ œ Ä µ ú œ Ê ˆ½Å Ÿ ½ ˆÅ ½ Ä í í ú ˆ½Å ú š Ê Ÿ Ê ÄˆÅ, œ Ä µ Ÿ ] ˆÅ ú Ê ½ Ê œ \ ˆÅ ] í, ] ½ ƒ ˆÅ ½ Ÿ Ÿ í ] ˆ½Å ½ ˆÅ» ½ Š í ½ ³Åœ ½ ] º õ½ í½ ž ú ½ ÿˆå Ÿ Ê ½ ˆÅ º [õ ] ½ Ÿ œ š Ÿ Á Ÿ í, ] ˆÅú œ ž ˆÅ œ Ÿ µ í ] ½ Ÿ ˆÅ Ÿ Ê ú ½Ä Ÿ œ Ê ˆ½Å º³Åœ í íú í ˆÅú Š š Ê ˆ½Å ] ˆ½Å º³Åœ í ÿˆå ˆÅ ½ ˆÅ ú ž ú ÿ ˆ ÅŠ ½ ] º õú ˆÅƒÄ ] ½ Ÿ Ê ˆÅ Ÿ ˆÅ œ õ í µ ] ½ Ÿ, ] ] ½ Ÿ, \ š ] ½ Ÿ œ \ ] ½ Ÿ œ Ÿ º ] ½ Ÿ íÿ œ \ ] ½ Ÿ ˆ½Å Š Ä»\ œ ½ Š ˆÅú ] ½ Ÿ, ] ½ Ÿ ž ú Ÿ íÿ í ú œ ½ Ä œ ½ Š ˆ½Å ºœ ½ Š ½ ] ˆÅ ˆÅ Ä ˆÅ ½ ˆÅ íÿ œ í íÿ œ ½ Š íˆå Ê ˆ½Å ú ] ½ Ÿ ˆÅŸ ˆÅ ½ º [õ ÿ ˆ ÅŠ \ ˆÅ ½ ˆ½Å œ ž ú Ÿ œ Ä í ƒ \ ½ œ ½ ½ Ê ˆ½Å º ˆÅ Ä Ÿ Ê ž ú ƒˆå ƒ Ê ˆÅ ½ í Ÿ ú í íÿ ½ ½ œ Ä ˆÅ ½ ˆ½Å œ œ í, ] ½ íÿ ½ œ œ ˆ½Å œ ½ Ÿ Ê ºš í ½ ] ˆÅ œ Ä µ Ÿ ] œ ˆÅ ½ƒÄ œ ˆ»Å œ ž í ½ ] ½ Ÿ œ š ÿˆå Ÿ Ê ½ ú ú ˆÅ Ä š Ÿ íÿ, ] ½ ˆ½Å ž ú ž Š Ê Ÿ Ê ƒ ] ½ Ÿ Ê ˆÅ Ÿ œ, š Ä µ, Š ú œ š [ Š ½ ˆÅ ] ˆ½Å ÿˆå ½ ˆÅ ½ œ Ê ˆÅ ½ œ ½ ˆ½Å ½ ½ Ÿ Ÿ»í ] ½ Ÿ œ š œ ½] ž ú º³Å ˆÅú í í ú ½ Ê ˆÅú í ½ ƒ œ ½] Ê ˆÅ ˆÅ Ä ˆÅ ] í í ˆÅ Ê ˆÅ ˆÅ ½ 3 œ» ] ú Ÿ ˆÅ š ú ž ú Ä ÿˆå ˆ½Å ½Ä Ê ˆÅ ˆÅ Ä ˆÅ Š í ½ 3 ˆÅú ÄŸ œ ½ Ê ˆ½Å º ÿˆå Ÿ Ê œ Äœ œ» ] ú Š ú íºƒä í ˆÅ ½ ˆ½Å ž ] ] ½ Ÿ ˆ½Å Ÿ œ, Š ú µ ˆÅ ½ ˆÅú º ˆÅ ½ ˆ½Å ž Ä Ÿ Ê ú ½ œ Ê ˆ½Å º³Åœ ] ½ Ÿ ž \ Š» ˆÅú Š ƒä í ƒ \ Ÿ Ê ú œ ú ˆ½Å Š ºœ œ š ½ ˆÅ œ \ œ ƒˆå ƒ Ê ˆÅ ½ š ˆÅ š ˆÅ ½ ½, œ ½ Š ˆÅú ˆÅú í ½ ] ½ Ÿ Ê ˆÅ Ÿ œ íú œ í\ ˆÅ ˆÅ œ š ˆÅ ½ ˆÅú œ ˆÅ œ ˆÅú Š ƒä í œ Ä œ ½ ˆ½Å Ÿ ½ ú \ º Ê ˆ½Å š Ÿ Ê íÿ œ œ Ä ½ ˆ½Å œ íÿ, ] ½ íÿ ½ í š ˆÅ í ] ˆ½Å ˆÅ š ˆÅ í ú ÿˆå ½ ˆ½Å íÿ Æ ˆÅ í½ íÿ ž ú ½ ÿˆå Ÿ Ê Ÿ ] ˆ½Å œ œ ú œ Ê œ Š ú ½ ˆ½Å º [õ ž \ Ÿ ]» í Š íˆå œ ½ ÿˆå ½ ƒ ú œ ½ ½ ½ íú íÿ ˆÅ ÿˆå ˆÅ œ ˆÅ ½ ˆÅ í ˆ½Å Ÿ ˆÅ ˆÅ ú Ÿ ú íÿ íÿ í œ ½ ˆ½Å œ íÿ, ] ˆÅú œ ½ Š íˆå œ ½ ½ ½ Ê Ÿ Ê ˆÅ ½ íÿ Š Ÿ ú º Ê ˆÅ ˆÅ ½ ˆ½Å Š Ÿ úµ º Ê Ÿ Ê ˆÅŸ ½] Š ú ½ ½] Š ú ˆÅú Ÿ Ê ˆÅ ½» ˆÅ ½ ˆ½Å íÿ ½ ÿˆå ˆ½Å Š Ÿ úµ ½] Š œ µ Ê ½ ú Æ ˆºÅ ˆÅ ˆÅ º ˆÅ ú œ µ œ ˆÅ ] í í ˆÅ ƒ Ê Ÿ Ê ½ ˆºÅ ½ ½ Ê œ íÿ, ] ½ ž Š ½ ˆÅ ³Åœ ½ \ º ú ½ ½ íÿ, ûå ž ú ½ Ÿ ½ˆÅ ƒ ƒ ˆÅ ƒ ž Ê Ÿ Ê Ÿ í œ»µ Ä ž» Ÿ ˆÅ ž ½ íÿ 16 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

19 MESSAGE FROM MANAGING DIRECTOR (COMPLIANCE AND RISK) Dear Stakeholder, Corporate Sustainability refers to an organisation s activities that demonstrate the inclusion of social and environmental concerns in business operations and in its interaction with stakeholders. The triple bottom line of Sustainability considers all three areas, viz., Economic, Environment and Social, to be of equal importance and intimately connected to each other. State Bank of India has an evolving and robust risk management model of proven effectiveness, which is aligned with regulatory standards and international best practices, and is proportional to the scale and complexity of its activities. The Bank is exposed to various risks that are an inherent part of any banking business. The major risks are credit risk, market risk, liquidity risk and operational risk which includes IT risk, as also the Reputation Risk. This Sustainability Report is our endeavour to extend ourselves beyond just the compliance of Business Responsibility Reporting. We are not only dedicated to minimising financial risks for our customers but also to build robust banking architecture to aid all the Business Units to safely deliver their mandates. Our commitment is to make changes that continually improve our performance as well as the world around us without any adverse impact on the environment or the society. Managing Risks The Bank has policies and procedures in place to measure, assess, monitor and manage these risks systematically across all its portfolios. The Bank has also undertaken the Enterprise and Group Risk Management Projects which aim to adopt global best practices. These projects are being implemented with support from external specialists. Empowering Business Units RBI Guidelines on Basel III Capital Regulations have been implemented and the Bank is adequately capitalised as per the current requirements under Basel III. An independent Risk Governance Structure, in line with international best practices, has been put in place, in the context of separation of duties and ensuring independence of Risk Measurement, Monitoring Shri P. K. Gupta Managing Director and Control functions. This framework visualises empowerment of Business Units at the operating level, with technology being the key driver, enabling identification and management of risk at the place of origination. Transparency is the Key We are committed to being open and transparent regarding the challenges faced by our business, so that our stakeholders can see what we re doing to become a more sustainable bank. We, at SBI, have a robust governance structure to oversee its commitment to the society. Being open and transparent about how we do business and the issues we face is the minimum that the customers expect from their Bank. We endeavour to bring clarity and certainty that the customers need in their dealings. In case customers suffer for any reason, we aim to provide fair and reasonable redress to them. Empowering Rural Youth To mitigate the problem of under employment and unemployment among rural youth in the country, comprehensive, free of cost residential training in personality and skill development are being imparted through our Bank s 116 Rural Self Employment Training Institutes (RSETIs). Even though some of these institutes are located in the socially and State Bank of India Sustainability Report

20 œ š ½ ˆÅ ºœ ] ½ Ÿ ˆÅ ½ ÿˆå ˆ½Å ½ ½ Š Ÿ úµ ½] Š œ µ Ê ½ Ä 2 ˆ½Å 2,827 ˆÅ Ä ÅŸ \ ˆÅ, ] Ÿ Ê 75, œ µ Ä Ê ˆÅ ½ œ µ Š ƒ Ÿ Ê ½ 2,29 œ µ Ä Ê ½ ž œ ½] Š œ œ ˆÅ í î ú œï ˆÅ ú œ ˆÅ ½ Ÿ Æ ˆÅ ½ ú ½ Ê ˆÅ œ ž ú œ ½Š ˆÅ ½ ˆÅú º š œ ˆÅ ½ ˆ½Å œ Ÿ º ½ ½ ž ú ½ ÿˆå ½ 232 ú ˆ½Å ûå ú œ ˆÅ íÿ Ä 2 ˆ½Å ƒ ú ˆ½Å Ê ½ ž ˆ½Å Š Â Ê Ÿ Ê 8,855 ú ½ ] ˆÅ Š ˆÅ Ÿ Ä õ½ ½ ½ œ ž ú \ º Ê ˆ½Å ]» íÿ ½ ÿ ˆ ÅŠ ˆ½Å œ ½ ƒ í Ÿ Ê ˆÅƒÄ ˆÅú ÄŸ œ ˆÅ íÿ ½Š Ê ˆÅ íÿ ½ œ ] ½ í, í Ÿ Ê ½ ú í íÿ ƒ Ÿ Ê ˆÅ ½ ˆ½Å í ž ú ˆ½Å Ÿ Ê ˆÅ œ ˆÅ ˆÅ ÿˆå ˆ½Å ³Åœ Ÿ Ê œ \ í ½ í ƒ ˆÅ Ÿ í í ˆÅ íÿ Ê œ ½ œ Ê ˆÅú ˆÅ ½ í ½Š ½ˆÅ œ Å Ê Ÿ Ê ˆÅ ú ˆÅ ú í ½Š ú œ ½ ˆÅŸ Ä\ Ê ˆÅ ˆÅ ˆÅ í ½Š, ˆÅ ½ Š íˆå Ê ˆÅ ½ ½í ½ œ ˆÅ ˆ½Å íÿ ˆÅ ½ ÿˆå ½ ˆÅ œ ˆÅ í½ íÿ, ] ½ Š íˆå Ê Ÿ º Ê ˆÅú œ íºâ\ Ÿ Ê í ½, ˆÅ š ½ í ½ íê ½ œ ˆÅ ½ í ½ ƒ ú ž ½ í í ú œ ½ Ä œ ˆÅ ˆÅú ] íú í ˆÅ Ÿ ] ˆÅ ĈŠ³Åœ ½ ˆÅ ˆÅ ½ ˆ½Å Š íÿ ½ ½Š ˆ½Å ½ Ÿ Ê íÿ œ ˆÅ ½ í š ˆÅ Ê ˆÅ ½ \ í ½ íÿ š ˆÅ í ú ˆ½Å íÿ ˆÅ œ ˆÅ ½ ˆÅ Ä ˆÅ Ê, ƒ ˆ½Å íÿ œ ˆÅ Ÿ Š Ä Ä ž ú œ œ ˆÅ \ í ½ íÿ ž ú ½ ÿˆå ˆÅ ½ œ µ ½ ½ ˆ½Å š œ ú ˆ½Å Š ºœ œ š ½ ˆÅ ºœ ] ½ Ÿ 18 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

21 MESSAGE FROM MANAGING DIRECTOR (COMPLIANCE AND RISK) geographically challenged areas, these institutes play a vital role in Make in India and Skill India campaigns. Bank s RSETIs have, during FY2016, conducted 2,827 programmes, trained 75,000 candidates and of these, 26,290 trainees have been gainfully settled. Imparting Financial Literacy With the main objective of imparting financial literacy and facilitating effective use of financial services by common man, SBI has set up 232 Financial Literacy Centres (FLCs). During FY2016, a total of 8,855 financial literacy camps at villages across the country were conducted by these FLCs. Building Trust Despite all the challenges we face on a macro and micro level, we have made great strides throughout our history. The trust our brand enjoys is indeed remarkable. We aim not only to enhance the level of trust but also seek a place in the heart of every Indian with a caring and nurturing attitude. This means simplifying our product range, reducing the number of processes we have and developing our people so they can serve customers better. We are creating an accessible, focused, service oriented bank that puts customers and communities at the heart of everything it does. In this spirit, this Sustainability report is being published. We wish to communicate to you - our valued stakeholders our contributions to enhancing the economic and social well-being of the nation. We look forward to your insights on how we can operate with a greater degree of responsibility and sustainability. Thank you for your continued patronage of State Bank of India. P. K. Gupta Managing Director (Compliance & Risk) State Bank of India Sustainability Report

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23 Chapter 1 Our Journey So Far

24 ž ú ½ ÿˆåà ˆÅ ˆÅú íÿ ú íÿ ú ž ú ½ ÿˆå ž ˆÅ ½ œ º ú í, ] ˆÅú ] õê Ä 8 ½ Ÿ ú íÿ 2 ½ ž ú š ˆÅ ½ ˆÅú ˆ Å ˆ½Å íÿ ž ú ½ ÿˆå Ÿ Ê œ» ½ ž ˆ½Å 3 ˆÅ ½ õ ½ ž ú š ˆÅ Š íˆå Ê ˆÅ ½ ½ œ ˆÅ í½ íÿ íÿ ½ ž œ»µ Ä ƒ í ˆÅú œ œ Ê ˆÅ ½ ] ž ú ˆÅ Ÿ ] í, Æ Ê ˆÅ íÿ ÄŸ ú ˆÅú ž ú \ º Ê ˆÅú œ» Ä ˆ½Å œ ½ œ ˆÅ ½ ½ Ÿ Ê ˆ Å ÿ ˆ ÅŠ ½ œ ˆÅ ú íÿ íÿ ú Š ÿ ˆ ÅŠ º Š œ» ½ ú ½Š Ÿ Ê œ ˆÅ ½ ½ ½ Ÿ Ê ½ íÿ ƒ ½ Ê Ÿ Ê ˆ½Å ] ú úÿ, Ÿ úÿ, Ÿ \ ½ ÿ ˆ ÅŠ, Ÿ»\ º û Å, ½Å ˆÅ Ä, û ÅÆ Š ½, œ ž» œ œ Ÿ ˆÅ ú œ ž ú Ÿ íÿ >30 ˆÅ ½ ö ž Ÿ ½ Š íˆå ˆÅ ˆÅú íÿ ú 1806À ÿˆå ÁûÅ ˆÅ ˆÅ ] ½ Ÿ Ê ÿˆå ÁûÅ Š ˆÅí ] ½ Š ˆÅú œ 1921À ÿˆå ÁûÅ Š ½ œ ½ Ê ú ÿˆå Ê Ä ÿˆå ÁûÅ Ÿ ÿˆå ÁûÅ ½ ˆ½Å ½ ƒ œ ú ÿˆå ÁûÅ ƒ ˆÅ 1955À ž ú Ä ÿˆå ½ ƒ œ ú ÿˆå ÁûÅ ƒ ˆ½Å ˆÅ š ˆÅ œ œ ˆÅ ƒ œ ú ÿˆå ÁûÅ ƒ ˆ½Å ˆÅ ½ ˆÅ š Š íµ ˆÅ ½ ˆ½Å ˆ½Å ˆÅ š Ÿ ž ú ½ ÿˆå Š íÿ œ ú Ÿ œ œ Ÿ ] ˆÅ ½ Š Š ½ Ê œ ˆÅ ½Š ½ ½ ˆ½Å œ ½ˆÅ Š ˆÅ ˆ½Å Ÿ Ê íÿ Š íÿ ƒ ú íÿ œ ½ ½ Ÿ Ê Š Ä ½ ˆÅí ½ íÿ ˆÅ íÿ í ž ú ˆÅ ÿˆå íÿ º œ ˆ½Å ˆÅ, Ê, Š íˆå Ê ˆÅŸ Ä\ Ê ˆÅú ˆ½Å í ½ íÿ ÿˆå ž ˆÅ ½ õ µ ] ˆÅ ÿˆå í íÿ ú ½ ú ½ ú º Š íÿ ½ Ÿ Á ˆÅ Ÿ Ä ˆÅ ú íÿ ž ž Š ½ ˆÅ ½ Ê \ ú í ½ û Å ½ Ê, ú Ÿ, œ Áƒ ÁûÅ ½ Ÿ Ä Š íˆå ½ ˆÊÅ Ê ˆ½Å ½ ˆÄÅ ˆ½Å íÿ Š íˆå ºž º š [õ ½ ˆ½Å ˆ Å ½ ½ ½ ˆÅ œ ˆÅ í½ íÿ íÿ œ ú [õ ½ œ ½ Š íˆå Ê ˆÅ ½ ˆ Å ºž œ ˆÅ ½ ˆ½Å Š œ ½ Š ˆÅú ˆÅ œ» ž í½ íÿ íÿ š ] œ ½ ûå Ÿ ½ œ ÄŸ ž ú Š íˆå Ê ˆÅú [õ ú ] ³Å Ê ˆ½Å º³Åœ ½ Ÿ ½ ú œ Ê ˆÅú ºœ º ÄŠ ú ˆÅ ½ œ š ½ í½ íÿ 22 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

25 STATE BANK OF INDIA: OUR JOURNEY SO FAR OUR LEGACY State Bank of India (SBI) is one of the oldest financial institutions of India with roots tracing back to the year With a sterling legacy of over 200 years, we, at SBI, are now serving more than 30 crore customers across the globe. The traditions of our glorious past continue to be upheld even to this day as we gear ourselves to meet the emerging challenges of the current century. Our rich heritage and complement our business model and render excellent banking services across various geographies. Our non-banking subsidiaries specialize in extensive services across the financial industry including life insurance, general insurance, merchant banking, mutual funds, credit cards, factoring services, security trading and primary dealership, among others. With a well spread out network of branches, ATMs, Point of Sale (PoS) terminals and Our Journey So Far 1806: Bank of Calcutta (later called the Bank of Bengal) was established. 1921: The Bank of Bengal and two other Presidency Banks (Bank of Madras and Bank of Bombay) were amalgamated to form the Imperial Bank of India. 1955: The Reserve Bank of India acquired controlling interests of the Imperial Bank of India and SBI was created by an Act of Parliament to take over the functions of the Imperial Bank of India. >30 crore Customers Across the Globe extensive contribution to the society at large, both business-linked and non-business related, earned us a place in the heart of every citizen of our country as we proudly call ourselves the Banker to Every Indian. We are the largest commercial bank in India in terms of Balance Sheet size, as well as number of branches, customers and employees. Our banking subsidiaries, both domestic and foreign, Customer Service Points (CSPs), we strive to provide excellent services to enhance customer experience and convenience. We constantly explore the frontiers of technology to enhance our efficiency and provide the best experience to our customers. We are focusing on delivering innovative products across seamless digital platforms to suit the ever growing needs of existing and prospective customers. State Bank of India Sustainability Report

26 ž ú ½ ÿˆåà ˆÅ ˆÅú íÿ ú >200,000 ˆÅŸ Ä ú Ÿ \ Ä 2 ˆÅ 2 ½ ž ú š ˆÅ ˆÅŸ Ä\ Ê ˆ½Å íÿ ½ œ œ ½ Š íˆå Ê ˆÅú ½ ˆÅ ½ ˆ½Å ˆºÅ Ÿ œ Ä ˆÅŸ Ä\ Ê ˆÅ œ í íÿ Ê Š Ä í ˆÅ íÿ Š Ÿ ½ ú Š í, ] í œ ½ ˆÅ Ä Ÿ Ê Š Š Ÿ ] ˆÅ Ÿ»í Ê ˆ½Å œ º Å Ÿ í Ê ˆÅ œ š í ÿˆå Ÿ Ê ˆÅŸ Ä\ Ê ˆÅú Å ½ ˆ½Å ½ ˆ½Å ˆ½Å ºž ˆÅ ½ ºš ½ ˆÅ ž ú íÿ Š œ ˆÅ í½ íÿ ` 22,59,063 ˆÅ ½ õ Ÿ ŠÏ º œ ˆÅ ˆÅ íÿ ˆ½Å Š íˆå Ê ˆÅŸ Ä\ Ê ˆÅ Ÿ ] ˆÅ ½ ž ú ˆ Å ½ œ ˆÅ ½ ˆ½Å œ ˆÅ í½ íÿ íÿ ˆ Å ½, º Ÿ š Ÿ Ÿ Ê ˆ½Å ½ õ½ µ Ê Ÿ Ê ½ ˆÅ í, 3,5 5 Š Ê Ÿ Ê íÿ ú œ í íÿ ˆÅƒÄ œ Ÿ º ˆÅ ˆÅ ú ú Ê ˆÅ ½ ˆÅ Ä ˆÅ ½ ˆÅ œ Ÿ ˆÅ ú š í 198 ½ ˆÅ Ä Ê ˆÅú ` 17,30,722 ˆÅ ½ õ ˆºÅ ] Ÿ 37 ½ Ê ˆÅú, ] í íÿ ú œ í¾ ` 15,09,500 ˆÅ ½ õ ˆºÅ ŠÏŸ 59,000+ æ œ ú Ÿ ˆÅú 16,784 ž Ÿ Ê ˆºÅ Ê ˆÅú 3,00,000+ ž Ÿ Ê œ Áƒ ÁûÅ ½ Ÿ Ä Ê ˆÅú 14 Ÿ Ê ] ˆ½Å Š Ä ½ ú Ê ˆÅ ½ Š í¾, ˆÅú 64,000+ ŠÏ íˆå ½ ˆÊÅÍ Ê ˆÅú 24 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

27 STATE BANK OF INDIA: OUR JOURNEY SO FAR With over 2 lakh employees as on March 2016, we have an extensively skilled and dedicated family of employees to serve our customers. We take pride in being an inclusive organization with a diverse representation of social groups and gender in our workforce. We are also continually striving to improve our employees experience during and after their active service in the Bank. ` 22,59,063 crore Total Balance Sheet size We continuously strive to achieve greater service excellence not only for the customers and employees, but also for the society at large. We are one of the largest lenders to the agricultural sector and to MSMEs. We have presence in 1,03,565 villages and are the primary financial vehicle to execute many of the core development-related Government policies. 198 Number of Foreign Offices >200,000 Employees ` 17,30,722 crore Total Deposits 37 Number of Countries we have presence in ` 15,09,500 crore Total Advances 59,000+ Number of ATMs globally 16,784 Number of Branches in India 3,00,000+ Number of Point of Sale (PoS) terminals in India 14 Number of Circles in which the domestic branches are grouped 64,000+ Number of Customer Service Points State Bank of India Sustainability Report

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29 Chapter 2 Social Accounting

30 ž ú ½ ÿˆå ˆ½Å Ÿ ] ˆÅ ½ ˆÅ Ÿ ] œ Ä µ 2.1 Ÿ ] ˆÅ ½ ˆÅ ˆÅú œ Ÿ ú Ÿ ] ˆÅ ½ ˆÅ ½ œ ú, Ÿ ] œ Š Ê ˆ½Å œ ž ½ š í ½ ú í í ĈŠœ µ Ÿ Ê ˆ½Å Ÿ ] ˆÅ, ĈÅ, Š Ÿ ˆÅ œ ž Ê ˆ½Å º Ÿ ] ˆÅ œ µ Ÿ Ê ˆ½Å Ÿ í œ»µ Ä œ Ä ú º Ê ˆÅ š Ä µ ˆÅ ú í ƒ ˆÅ ½ õ œ í» í ú í Ÿ ] ˆÅ ½ ˆÅ ˆÅ ½ À Ÿ ], Š íˆå Ê í š ˆÅ Ê ˆ½Å œ Ä º ˆÅ œ ½ í š ˆÅ Ê œ Š ˆ½Å ˆÅ ĈŠœ Ê ˆ½Å úš ½ œ ž ˆÅ ½ Ÿ œ ½ Ÿ Ê Ÿ ˆÅ œ œ Ê, Ÿ Ê œ Å Ÿ µ Ê œ œ œ ž Ÿ ] ˆÅ ˆÅ ĈŠœ Ê Ÿ Ê Ÿ ] ˆÅ, ĈŠú š Ê œ š ˆ½Å ˆÅ ½ Ÿ Ê Š ˆÅú Ÿ ˆÅ ú ƒä Ÿ Ê ú Ä š ˆ½Å í ½Š º ˆÅ íÿ ú œ Ÿ º ˆÅ Ä ú ˆÅ œ Ÿ ˆÅ í œ œ ½ Ÿ» Ê ½ \ ] º õ ˆ½Å ] íÿ ½ œ ½ ½ š ˆÅ Ê, Š íˆå Ê, ˆÅŸ Ä\ Ê, ˆÅ Ÿ ] í í š ˆÅ Ê ˆÅú ] ³Å Ê œ š ½ ] ú í, ûå ž ú ƒ Ÿ»í Ê ˆ½Å ú Ä š ž [õ íÿ í ƒ ˆ½Å œ µ Ÿ ³Åœ íÿ ½ ƒ Ä Ÿ ] ˆÅ ½ ˆÅ ˆÅ½ œ ½ œ ˆÅ Š œ ½ Ä ˆÅ ½ ˆÅú ú í œ ½ Š íˆå Ê ˆÅ ½ œ Ê ½ Ê ˆ½Å ] ˆ Å ½ œ ˆÅ ½ ˆ½Å, ½ ˆ½Å œ Ä µ ú Ÿ ] ˆÅ ºš ˆ½Å œ ž ú íÿ ú œ íú ƒ Ÿ Ê œ º š œ œ Ê ˆÅú ĈŠŸ ] ˆÅ ž ƒä ˆÅ Ÿ í í í ú œ ½ Ä œ ½ \ ½ ˆ½Å íÿ ½ œ ˆÅú Ÿ Š Ÿ ú œ º ˆÅ ú í, ] Ÿ Ê œ ½ Š ½Ä Ê ˆ½Å 9 œ Ÿ º Ÿ íÿ 2.2 ½ ÿˆå ˆ½Å Ÿ ] ˆÅ ½ ˆÅ Ÿ ] œ œ ½ Ÿ Š œ ž ˆÅ š Ä µ ˆÅ ½ ˆ½Å íÿ ½ Ÿ ] ˆÅ ½ ˆÅ ˆ½Å í š ˆÅ Ÿ Á ˆÅ ½ œ í í Ÿ Á ½ Ÿ» ž» š ½ í š ˆÅ í ú ˆÅ Ÿ ½ˆÅ í ÿˆå Ÿ Ê í š ˆÅ Ê ˆ½Å í œ ž ˆÅ ½ ˆÅú ˆÅú Æ ˆ½Å š œ íÿ ½ íê ú œ ˆÅ ½ µ Ê Ÿ Ê ž ] ˆÅ í ½ ½ µ íÿ Š íˆå, ˆÅŸ Ä\ ú ˆÅ, ½ ˆÅ Ÿ ] 28 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

31 SOCIAL ACCOUNTING FOR SBI 2.1 A BRIEF OVERVIEW OF SOCIAL ACCOUNTING Social Accounting and Auditing is concerned with the impact organizations have on society. It seeks to determine important variables of social consequences in terms of socioeconomic non-monetary effects, along with economic consequences. The overarching aspect of this is sustainability. Objectives of Social Accounting Facilitates transparency for the society, customers and other stakeholders Helps to measure the direct impact of organisation s activities on its stakeholders Has indirect influence on trade practices, rules and negotiations Helps the organisation to focus on social, economic and financial pillars in social activities At SBI, our key strategic priority is to ensure sustainable business in the long run. While we continue our journey of focusing on the needs of our shareholders, other stakeholders, including customers, employees, government and the society at large, through our valuedriven engagement, we aim to enhance the long-term benefits to these groups. This year we have undertaken to come out with a separate report on our responsibility on social accounting. Besides providing best-in-class service to our customers through our products and services, our commitment also extends towards environmental and social betterment of the country. This includes enabling economic and social well-being of the society, particularly the under-privileged members. This Sustainability Report provides a holistic review of our performance over the past four years covering the nine core principles of the Business Responsibility Reporting guidelines. 2.2 SOCIAL ACCOUNTING FOR SBI We have adopted the Stakeholder Model of Social Accounting to assess our overall impact on society at large. This model is an integration of two fundamental focal domains: Stakeholders and Sustainability. We have categorized the stakeholders into three broad categories, namely Level 1- Customers, Employees and Government, Level 2- Investors and Level 3- Society at Large, based on their interest in the Bank and their power to influence. SOCIETY ENVIRONMENT State Bank of India Sustainability Report

32 ž ú ½ ÿˆå ˆ½Å Ÿ ] ˆÅ ½ ˆÅ ú Ê Ê œ œ ½ˆÅ Ÿ»í ˆ½Å ƒä ] ú š Ÿ Æ ˆÅú ˆÅ ˆÅ œ»\ ú ˆÅú Š ƒä í ÄŸ Ÿ Ê úˆå ˆÅú Š ƒä í ú ˆÅú œ ž ú\ ½ ú Š ƒä í ƒ Ÿ Á Ÿ Ê Š ˆÅú ž ú Š š Ê ˆÅ ½ œ º ˆÅ Š í ] ½ œ Ä µ ½ ] º õú íºƒä íÿ ú Ê Ê œ ú ƒä ˆÅú ž» Ÿ ˆÅ Ê ˆÅ ½ ú\ ½ ˆÅ Š í í ˆÅ Ÿ í ˆÅ Ÿ ˆÅ Ÿ ] ˆÅ Ÿ ½ Ö 7 8 ˆ½Å Š ˆÅ ½ í Ÿ í ½ Ÿ í ½ ½ Ÿ ] ˆÅ ¾ ˆÅ 1, 4 5 ½ ˆÅ Š ĈÅ, Ÿ ] ˆÅ Ö 3 9 Š íˆå ˆÅŸ Ä\ ú ˆÅ Š íˆå ½ ˆ½Å ½] ˆÅ ˆÅ ˆÅ Ÿ ½ ˆÅ ˆÅ ( ú Ö 2 6) í º ˆÅ ½ ˆ½Å ˆÅ ƒ í ú œ ½ Ä Ÿ Ê íÿ ú œ ½ Ä ž ú Ÿ í ½, íÿ Ÿ Á ˆ½Å 9 Ê Ÿ Ê ½ œ ½ˆÅ ˆÅ ½ í š ˆÅ Ê ˆ½Å ú Ê œ œ í 30 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

33 SOCIAL ACCOUNTING FOR SBI A host of ESG-based metrics are enlisted for each group across the three levels. Following the currently accepted definition of sustainability, the model presents all activities of the organisation that are embedded in the environment. SBI s roles for the three levels are highlighted below. Stakeholders Hierarchy SBI s Role Social (M and O) BRR Principle 7 & 8 Citizens of India Special Interest Group Focus on special groups; CSR Social and Economic (L) BRR Principle 1, 4 & 5 Investors Institutional goals Economic, Social & Governance (D) BRR Principle 3 & 9 Customers Employees Government Specific schemes for customers; In-house practices; Implementation of govt. programs Environment (BRR principles 2 & 6) To ensure that this Sustainability Report subsumes our Business Responsibility Report (BRR), our model maps each of BRR s nine principles to the three stakeholder levels. State Bank of India Sustainability Report

34

35 Chapter 3 Our Stakeholders

36 íÿ ½ í š ˆÅ 16.7% Š íˆå š Ÿ ½ ĈŠŠ ˆ½Å œ íÿ ž Ÿ»í Ê ˆ½Å í š ˆÅ Ê ˆÅ ½ œ ž ˆÅ ½ íÿ ˆºÅ Ÿ»í íÿ ú ú Š š Ê ˆ½Å úš ½ ˆÊÅ Ÿ Ê í ½ ½ íÿ, ½ ˆºÅ íÿ ú œ ˆÅ Ÿ ] ˆÅ Š š Ê ˆ½Å ž úä íÿ íÿ ž ú Ÿ ] ˆÅ ĈŠŸ»í Ê ½ ] º õ ½ í œ ˆÅ ½ ˆÅ ƒäÿ ú ½ œ ˆÅ ½ íÿ Ÿ ½ ú Ä Ÿ Ê œ ½Š ½ ½ íÿ 3.1 ˆ½Å í ˆÅ Š íˆå ˆÅŸ \ ˆÅ ŠÏ íˆå œ ú ÿ ˆ ÅŠ ½ Ê ˆ½Å Ÿ Ÿ ½ Ÿ Ê íÿ ½ ˆÅƒÄ Ÿ ú ˆ½Å œ œ ˆÅ íÿ ƒ Ÿ \ ž Š ½ ˆÅ ½ Ê Ÿ í Š, í, š Ä í Š Ÿ úµ Ÿ Ê íÿ 3. 2 ˆÅ ½ õ ˆÅ Å Š íˆå š í œ ½ \ ½ ½ íÿ ú Ê ˆÅú ˆºÅ Ÿ Ê 4.3 œ ˆÅú í ½ íú í œ Š Ÿ úµ š Ä í ú ½ Ê Ÿ Ê ÅŸ À 3.5 œ 3.7 œ ˆÅú íºƒä í œ ½ ú ú ½ ½ íÿ ½ Š íˆå š Ÿ Ê œ Ä Š ž Š.7 œ ˆÅú í ½ íú í íÿ ½ ½ ½ˆÅ ½ Ê Ÿ Ê ž ú œ ú ½ ½ ½ íÿ, ] í ˆÅ ½ƒÄ ž ú í ½Š íú Ÿ ½ ˆ½Å Ê ˆÅ ½ ž ú ½ ½ ½ íÿ ž ˆ½Å ½ õ½ ú Ÿ ½ ˆÄÅ ˆ½Å, íÿ œ ½ Š íˆå Ê ˆÅ ½ ˆÅ ˆÅ ú ½ œ íº \ ½ ˆÅú º š ½ ½ íÿ Ä 3 Ÿ \ Ä 2 ˆÅú ˆ½Å º ƒ Ÿ íÿ ½ Š ž Š 9.75 ú Ÿ Š Ê Ÿ Ê íÿ œ ½ \ ½ Ÿ Ê œ Áƒ ÁûÅ ½ Ÿ Ä Ê ˆÅú Ÿ Ê Š ž Š ú Š º íºƒä í íÿ œ ú ] ½ Ê ˆÅ ½ Ÿ ]» ˆÅ ½ œ š ½ í½ íÿ íÿ ú Ÿ ]» ] œ ˆ½Å ˆÅ µ íÿ Ê 8 ½ œ ú Á ƒ Š ½ ÿ ˆ ÅŠ ƒ ˆÅ Ÿ í Á ƒ ú ƒä ž ˆÅú ú Ä ú ƒ Ê Ÿ Ê ½ ˆÅŸ ž ú ƒ í ] Ÿ ˆÅ Ä Ê ˆ½Å š ˆÅ Ê œ œ úä œ ˆÅ ú š Ä µ œ ž ú Ä ÿˆå ˆ½Å ½Ä Ê ˆ½Å º³Åœ íÿ ½ ] Ÿ ˆÅ Ä Ê ˆ½Å š ˆÅ Ê œ ú ƒä í í ú ] Ÿ ˆÅ Ä Ê ˆ½Å š ˆÅ Ê ˆÅ ½ ½í ú í»\ ˆÅ œ ˆÅ œ ˆÅ ƒ ˆÅ ½ í ú ƒä Š ˆÅ \ Ä ÿˆå ˆÅú Ÿ Ê Ÿ Ê Š íˆå Ê ˆÅ ½ ú ] ½ ú ž º š Ê ½ Ê ˆÅú Ÿ í œ»µ Ä ] ˆÅ ú ½ í \ Ä Š íˆå Ê ˆ½Å ÿˆå ˆ½Å ½ ½ Ê Ÿ Ê, ] ŸŸ ½ ú œ Ä ˆ½Å \\ Ÿ º ˆÅ í 9.75% ú Ÿ Š Ê Ÿ Ê íÿ 34 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

37 OUR STAKEHOLDERS As an organization, we influence diverse groups of stakeholders. Some groups are the direct focus of our financial activities, while some are beneficiaries of our wide range of social activities. We sincerely attempt to engage and provide support to all socio-economic strata and contribute to an inclusive economy. 3.1 STAKEHOLDER LEVEL I: CUSTOMERS, EMPLOYEES AND THE GOVERNMENT Customers We have crossed many milestones in our Banking services. We currently have an active customer base of crore across four major demographic classifications Metro, Urban, Semi-Urban and Rural. Our total number of branches is growing at an average of 4.3% over the last four years with the rural and semi-urban areas witnessing an average increase of 3.5% and 3.7% respectively. Our customer base has been growing at an average of approximately 16.7% per annum, over the last three financial years. We also offer our services at numerous inhospitable terrains and service the nation s Defence Forces. customers, with one of the largest ATM networks in India. About 9.75% of our ATMs are present in villages as on 31st March The number of PoS terminals has increased nearly three times over the last four years. We have been concentrating on strengthening our digital services. Our strong digital presence has won us the recognition of being the 8th Most Popular Online Global Banking Site. Online SBI is the only Indian site amongst the top 10 finance sites worldwide. In accordance with RBI s guidelines on a transparent and comprehensive policy-setting on the rights of depositors, we have formulated our Depositors Rights Policy. The Policy reiterates the rights of depositors and aims at extensive dissemination of information. The SBI Citizens Charter provides key information on various facilities and services provided to customers in ordinary branches of the Bank. The charter ensures high standards of accountability, responsibility and transparency in the Bank s dealings with customers. 16.7% p.a. Customer Base Growth We provide easy access to cash to our 9.75% ATMs are in Villages State Bank of India Sustainability Report

38 íÿ ½ í š ˆÅ >200,000 ½ ] ˆÅŸ Ä ú >21% Ÿ í ˆÅŸ Ä ú ˆÅ Ÿ š œ µ ú ˆÅ ½ ˆÅ Ä ˆÅ Š í, ] ½ íÿ ½ Š íˆå Ê ˆÅ ½ œ ú \ ½ œ Å ½ ½ ˆÅú º š Ÿ ˆ½Å Š íˆå Ÿ Ê ] ˆÅ, ÿˆå ˆ½Å œ ˆÄÅ ˆÊÅ ˆ½Å ½ Åú œ ûå ½ ˆÅ, Ä œ Ÿ ½ í œœ ú ž ½] ˆÅ, ˆÅ ƒä Ÿ ½ ½ ˆÅ ž ½] ˆÅ ÿˆå ˆÅú ½ ƒ œ œ ú ˆÅ Ê ] Ä ˆÅ ˆÅ ½ íÿ ˆÅŸ Ä ú íÿ 2,, ½ ž ú š ˆÅ ½Š Ê ˆÅ ½ úš ½] Š ½ ½ ½ ÿ ˆÅŠ ½ ˆ½Å ½ õ½ ½Æ í íÿ œ ½ Ÿ œ Ä ˆÅ Ä ˆÅ ŸŸ ˆÅ ½ íÿ ž ú ½ ÿˆå ˆÅ ½ ˆÅ Ä ˆÅ ½ ˆÅ œ ú Š ½ ˆÅ œ ˆÅ ÊŠ ½ œ ½ Š Ÿ Ê 3 ½ 4 Ä ˆ½Å Ÿ»í ˆ½Å ˆÅŸ Ä\ Ê ˆÅú Ÿ Ê ˆ½Å íÿ ž ˆ½Å ž Š ½ ˆÅ ž Š ˆÅ ž œ íÿ œ ½ Š ˆÅú œ íÿ ½ ] ½ ˆÅ ½ ½ ˆÅ º Š Ä íÿ ½ Š ˆ½Å œ š ˆÅ Ÿ Ê ˆÅ Ä í ½ í½ íÿ íÿ ½ ˆÅŸ Ä\ Ê ˆ½Å Ÿ Ê í ½ íú í œ ú \ ú š ˆÅ, ƒ ] ú Ÿ ú Š ú š ˆÅ í Š ú š ˆÅ Ê ˆÅú íÿ ½ ˆÅ Ä Ÿ Ê Š ž Š 4. œ 9, ½ ž ú š ˆÅ ˆÅŸ Ä\ ú í, ] ˆÅ ú Ä œ í ½ ƒ ˆÅú 2.4 œ ú ž ú ½ ÿˆå Ÿ Ê Ÿ í ˆÅ Ÿ Ä Ê ˆÅ œ 21 4 Ÿ í ˆÅŸ Ä\ Ê Ÿ Ê Ÿ í š ˆÅ Ê ˆ½Å œ Ÿ Ê ž ú í ½ íú í ƒ Ÿ í. œ í, ] ½ ˆÅ Ä ˆ½Å. œ ½ š ˆÅ í œ ½ œ Ÿ í % % % % œ ½ œ Ÿ í Ÿ í ˆÅŸ Ä\ Ê ˆÅ % ƒ ú œ ˆÅ º» \ ], º» \ ] ] œ õ½ Š ½ ˆ½Å ˆÅŸ Ä\ ú ž ú œ Äœ Ÿ Ê íÿ ½ ˆÅ Ä Ÿ Ê œ íÿ œ ½ \ ½ Ÿ Ê º» \ ] ] œ õ½ ] ˆ½Å ˆÅŸ Ä\ Ê ˆÅ ºœ íÿ ½ Š Ÿ Ê [õ í í Ä Ÿ Ê ÿˆå ½ œ õ½ Ÿ ] ˆÅ Ÿ»í Ê ˆ½Å 9, 72 Ÿ í Ê ˆÅú º Æ ˆÅú ] œ õ½ Ÿ ] ˆÅ Ÿ»í ˆÅú ºÆ íÿ ½ ˆÅ Ä ˆÅ 43.8 œ í ˆºÅ ˆÅŸ Ä Ê Ÿ Ê œ ½ Š Ä ˆÅ œ 43.4% 42.1% 42.4% 21.4% 21.0% 20.3% 39.9% 19.9% Š ˆ½Å ž ú íÿ ½ Ÿ í ˆÅŸ Ä\ Ê ˆÅú [õ íú í ˆÅú Ä ˆ½Å 9.9 œ ½ [õˆå Ä 2 5 Ÿ Ê 2.4 œ í ½ Š ƒä í ÿˆå Ÿ Ê œ Ê œ ºÆ Ÿ í ˆÅŸ Ä\ Ê ˆÅú 99 í ˆºÅ íÿ ú Ÿ ½ ú í ƒ Š ú Ê ˆ½Å Š Ä Æ Æ Ê œ ½ š ] í Ä ˆ½Å ÿˆå ˆ½Å ÄŸ ˆÅŸ Ä\ Ê Ÿ Ê ˆÅú.3 œ í íÿ ½ í ½ ˆÅŸ Ä\ ú œ µ œ ÅŸ í, ] Ÿ Ê Æ ³ÅŸ œ µ ˆ½Å ƒä Š ˆÅ Ä ÅŸ ž ú 36 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

39 OUR STAKEHOLDERS A Grievance Redressal System and Mechanism has been implemented to enable our customers to voice their concerns and provide feedback. Customers can lodge their grievances by visiting a branch, calling at the toll free number of the Bank s Contact Centre, sending SMS message UNHAPPY to a specified number, sending a written complaint by post/ or by visiting the Bank s website. Employees We are one of the largest employers in the banking sector providing direct employment to over 200,000 people. We value our competent and dedicated workforce, and strive towards making SBI one of the most coveted organizations to work for. We have been able to capitalize on the demographic dividend of India, with the age group of years witnessing an increase. Youngsters are increasingly driven towards our organization, looking at our emphasis on technology. The educational background of our employees is steadily improving. Advanced degree holders including PhDs, Engineers and MBAs now form about 4.6% of our total workforce (over nine thousand employees), as against 2.4% three years ago. in senior positions of the Bank stands at 699. The percentage of senior women officers to total women employees is also improving and currently is at 1.6%, up from 1.0% in Women in Senior Positions % % Women in Sr positions % of Women employees Similarly, SC, ST and OBC communities are also adequately represented in our workforce. The proportion of Scheduled Tribe (ST) and Other Backward Caste (OBC) employees has been consistently increasing in our organization over the last four years. As on 31st March 2016, the number of women employees who belonged to backward social groups is 19,072. Today, the combined strength of employees from backward social groups is 43.8% of our workforce. Backward Class as % of Total Employees % % >200,000 People Employed >21% Employees are Women Percentage of Women Employees in SBI : 21.4% 42.1% 42.4% 43.4% 21.4% 21.0% 39.9% 20.3% 19.9% Our women employees are a growing force within the organization. Their strength has increased from 19.9% in to 21.4% in The number of women employees Our inclusive hiring policies also pay special attention to Persons with Disabilities (PwD). They form 1.3% of the Bank s current workforce as on 31st March We have a rigorous employee training curriculum such as classroom training as well as State Bank of India Sustainability Report

40 íÿ ½ í š ˆÅ ˆÅ Š œï ½ í ˆÅŸ Ä ú Ÿ í ƒ Ÿ íÿ ½ œ µ Ÿ Ê œ \ ú Ä œ µ 45 ] Ä ˆÊÅ Ÿ íÿ ½ ÿˆå œ š Ÿ ˆÅ ½ ú Ä œ µ ˆÅú œ ] í,», ˆÅ ½ ˆÅ Ÿ Ê ˆÅú ] íú í ˆÅŸ Ä ú œ º Ê Ÿ Ê ˆÅ ½ œ Ê Ÿ Ê ºš ˆÅ ½ í½ º Ÿ œ ˆÅ Š ž ú ˆÅŸ Ä\ Ê ˆ½Å œ µ Ä ˆÅ Š í íÿ ½ ƒä Š œ ½ ûå ÁŸ Ä œ š ˆÅ íÿ, ] ½ œ ÅŸ Ê ˆÅú Ÿ ½ ºœ º ÄŠ ú º í ½ ˆ½ÅŠ ú ž ú œ µ ˆÅ Ä ÅŸ Ê ˆÅ ½ ÄŸ ˆÅ Á œ ½ ½ œ Ÿ ˆÅ Ê ˆ½Å º³Åœ Š í íÿ œ ú œ µ Ÿ Š Ê œ µ œ Ê ˆÅ š œ œ Š ½ ½ ˆÅ ½ íÿ, ] ½ ˆÅ ½ œ Ê ˆ½Å º³Åœ ] Ä º í ½ ˆ½Å ÿˆå ½ ˆÅ Ÿ ½ ú Š œ µ ú ˆÅú í, ] Ÿ Ê œ ÅŸ Ê ˆ½Å œ ƒ ½ ] ½ ˆ»Å Ê ˆÅ Š ž» Ÿ ˆÅ š ƒä ½, š œ ÅŸ, Á ƒ œ ÅŸ Ê ˆÅ ½ Ÿ ˆÅ Š í ƒ ½ í ˆÅ Ê š ˆÅ Ê ˆ½Å Ä Š í Š Ÿ Ê ˆÅŸ Ä\ Ê ˆ½Å ˆ½Å Ÿ Ê ˆÅ ½ ˆÅú ½, ûå œ º ˆÅ ŸŸ ½] ˆ½Å Š Ä í ú š œ ÅŸ ž ú º³Å ˆÅ Š íÿ ƒ œ ÅŸ Ê ˆÅ š ˆÅ ½ ˆ½Å ûå ˆÅ ½ œ ½ í ˆÅ ] í í ÿˆå Ÿ Ê ] Ä ˆÅ [õ ½ ½  ½ ˆÅú ž ½, íÿ ½ \ ž» Ÿ ˆÅ Ê ˆ½Å ] Ä Ÿ»í Ê ˆÅú º Å ˆÅú í š ž» Ÿ ˆÅ ½ š ˆÅ ú ] ˆÅž ú ž ú œ µ ˆÅ Ä ÅŸ Ÿ Ê ž Š ½ ½ íÿ, íê ƒ Ÿ»í Ê ˆ½Å íž Š ˆÅ ½ œ ½ ºž Ê ˆÅ ½  ½ ˆ½Å œ ½ í ˆÅ ] í ž ú Ÿ Ÿ Ê Ÿ Ê ˆÅ š œ íÿ ½ ûå ˆ½Å ˆÅ ½ ½ ˆ½Å, ˆÅŸ Ä\ Ê ˆÅ ½ Ÿ ³Åœ ½ ÄŸ ÿ ˆ ÅŠ Ê ˆ½Å š Ÿ Ê Ÿ ˆ½Å \ ½ ž ½] ½ ] ½ íÿ ˆÅŸ Ä ú ] º íÿ ½ œ ˆÅ ž œ ˆ½Å \\ ˆÅú ½ œ ½ ˆÅŸ Ä\ Ê ˆÅ š ˆ½Å ˆÅ ˆ½Å íê œ ½ í ˆÅ í ƒ ½ º ˆÅ ½ ˆ½Å, ÿˆå ½ ˆÅ ƒä ú š Ÿ ½ œ ½ ] º õú œ ½ í ½] ˆÅ ˆÅ Ä ˆÅ í œ» Ä úä œ ½ í ½] Ÿ Ê ºš ˆÅ ˆ½Å ƒ ½ ³Åœ Š í ƒ Ÿ Ê ˆÅ ½ Á ˆÅ ½ Ê ˆÅ ½ Ÿ ˆÅ Š í ½ œ ½ í ˆÅ ½ œ ˆ½Å œ Ê ˆÅú ½µ ú ½ ž ú ] ½ õ Š í ˆÅ Ÿ š ˆÅ Ä Ÿ Ê ˆÅ µ ½ ˆÅŸ Ä\ Ê ˆ½Å ˆÅ ½ ] º õ ½ ˆ½Å, ˆÅ Ê ˆÅ Ÿ š ˆÅ œ \ Ê ˆÅ Ÿ í œ»µ Ä ž Š í ú ƒä Ÿ Ê ˆÅ Å Ÿ»í í, ] ½ ˆÅ ˆÅ Ê œ Š ú í ˆÅ Ÿ š ˆÅ í ž ú ½ ÿˆå Ÿ Ê ½ œ ú õ ½ š ž ú œ ˆÅ ˆÅú ˆÅ Ê ˆÅ œ ˆÅ ½ ˆ½Å ˆÅ œ Å \ ˆÅú í ƒ ˆÅ Ê ˆÅ ú ½ œ ˆÅ ½ ½ íÿ ½ ˆÅŸ Ä\ Ê ˆ½Å Ÿ ½ ½ ú ˆÅ ú ž ú œ ˆÅ ˆÅú Ÿ œ š ½ ½ ˆ½Å œ íÿ ú ºˆÅ ƒä ½ ú í ˆÅ ½ ú ˆÅ ½ Š» ˆÅ Š í ½ ½ ÿˆå ƒÿ œ œ ½ ˆÅ Š í ƒ ú Ÿ Ê ˆÅŸ Ä\ Ê œ ½ ½ Ÿ Ê ˆÅ ˆÅ ½ œ, ˆÅú ˆÅ ˆÅ ½ Ä ˆ½Å ½ Ÿ Ê»\ ú ] ú í ƒ Ÿ Ê ½ ˆ½Å í œ í\ ˆÅú º ˆÅ ž ú œ š Š í ½ ½ ½ µ ˆÅ Ä íú Ê ˆÅ œ Š ½ í ½ ½ íÿ ½ ˆÅ ½ƒÄ ž ú ˆÅ ºš Ÿ ˆÅ ˆÅ Ä ƒä œ \ Ÿ ˆÅ ˆÅ Ä ƒä ˆÅ š Ä µ íú ˆÅ ˆÅ ½ ƒ ú ˆ½Å Š Ä ÿˆå ˆ½Å ž ú ˆÅŸ Ä\ Ê ˆÅ ½ Ÿ ˆÅ Š í 38 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

41 OUR STAKEHOLDERS e-learning programs. The training apparatus at present consists of five Apex Training Institutes (ATIs) and 45 Learning Centres. The sixth ATI, styled State Bank Institute of Management, is being set up at Rajarhat, New Town, Kolkata Initiatives Taken to Upgrade Employee Skills and Improve Training Inputs Training is mandatory for all employees. We have provided an e-learning platform to ensure efficient delivery of courses. All training programmes are aligned with current corporate priorities. We upgrade our training content and delivery methodology on a continuous basis to ensure learning is at par with global best practices. The Bank has made a system of mandatory learning, consisting of role based e-lessons, Study Courses, Online courses, from reputed international Business schools among others, compulsory for assistants and officers. With a view to improving knowledge levels in the organisation, new external study courses are promoted under Staff Reward and Recognition Scheme and staff are encouraged to undertake these courses. With the spirit of enhancing learning and sharing in the Bank, we have started learning communities for selected roles. The role holders are encouraged to participate and share their experiences within these communities as and when they participate in training programmes. To keep our staff updated on all relevant matters on a real time basis, suitable text messages on current banking issues are sent to employees on a daily basis. Employee Engagement We aim to keep our employees focused and motivated for a higher level of productivity and profitability. To ensure this, an IT enabled One Umbrella Performance Linked Incentive Scheme has been implemented by the Bank. This is in modification of the earlier incentive scheme and covers both core and non-core business. The incentive amount payable is linked to the category of positions vis-à-vis level of performance. Complaint Resolution To maintain a healthy atmosphere in the office and engage with employees closely, complaint resolution becomes a vital part of the operations. SBI has an active group which monitors internal complaints and resolves them. SBI has set up a process and structure to handle all sorts of complaints regarding whistleblowers and harassment. The speed of resolution of these complaints reflects our keenness in addressing any issue faced by our employees. A Whistle Blower Policy has been put in place. This is to report any unethical practices or behaviour by employees in violation of their service rules, with a provision for protection of interest and identity of the whistle blower. The Whistle Blower s role is that of a reporting party. Whistle blowers are not investigators or finders of facts; neither can they determine the appropriate corrective or remedial action that may be warranted. All employees of the Bank are covered under this policy. Focused and Motivated Employees State Bank of India Sustainability Report

42 íÿ ½ í š ˆÅ ½ Ÿ Ÿ ½ ˆÅ ½ ½ œ ú Ÿ ] ½ ú Ä ½] ˆ½Å í ½ ½ Š 1 2 œ ½ Ä ˆÅ Š Ÿ Ÿ ½ ˆÅú 6 íÿ ½ ú Ÿ œ ½ Š ˆÅú ˆ½Å ˆÅú ½Ä Ÿ ] Ä œ Ê ˆ½Å º³Åœ ƒä Š í ] Ä ˆÊÅ Ê ˆÅú º [õ š ˆÅ \ ˆÅ ˆÅú í íÿ Æ ˆÅŸ Ä\ Ê ˆÅ ½ ž ú œ µ œ ˆÅ ½ íÿ, ] ½ ½ ú ½ ˆÅ Ä ˆÅú Ÿ º š Ÿ Ê ˆ½Å µ, ½ ú Ÿ º œ \ œ µ ] ½ Ÿ í œ»µ Ä œ Ê ½ úˆ Å ½ Ê Ÿ Ê ºÆ œ ž œ º š ˆÅ Ê ˆÅ ½ ž ú œ µ ] í œ š ˆÅ Ê ˆÅ ½ ½ úˆ Å ½ Ê ˆ½Å ž Š Ê Ÿ Ê ˆÅ ] í íú ˆÅ ] ú ˆ½Å œ ] º ƒä 2 5 ˆÅ ½ ûå œ Ê Ê 8 Ä ˆÅú º ˆ½Å œ ˆÅ œ Ê Ê ˆÅ ½ Š º œ ˆ½Å] ˆ½Å œ ˆÅ Š ú ˆÅ œ º ˆÅ Š íÿ ú œ ˆ½Å 2.5 œ ½ ˆÅ 2 5 Ÿ Ê œ í ½ Š ƒä í 2 5 Ä œ Š Ÿ Ÿ ½ ˆÅú ž ˆÅ ˆ½Å ] ½í í Š Æ ½ ˆÅú ½ˆ½Å Š Ÿ Ÿ ½ ˆÅú ˆÅ ½ ˆÅú Š µ ú ÿ ˆ ÅŠ í ½ ½ ž ˆÅ íÿ œ Ÿ º ½ š ˆÅ í ½ ½ ˆ½Å ½ íÿ ˆÅ ˆ½Å ½Ä Ê ˆÅ œ œ» ĈŠºœ ˆÅ ½ ˆÅ œ ˆÅ ½ íÿ íÿ ˆÅƒÄ œ Ÿ º ˆÅ ú ú Ê ˆ½Å ˆÅ Ä Ÿ Ê í ˆÅ ½ íÿ íÿ ½ œ ½ ½ ½ Ÿ Ê š ˆÅ ½ ˆ½Å 8 ˆÅ ½ õ Æ Ê ˆÅ œ ] úˆå µ ˆÅ í, Æ Ê ˆÅ š ˆÅ ½ ˆ½Å ˆÅ ½ ] ½ õ í š ˆÅ Ê ˆÅ ½ ú ˆ½Å úš ½ µ ˆ½Å Ÿ í œ»µ Ä í ƒ ú œ ˆÅ íÿ ½ ƒ š Ÿ Ê œ š Ÿ ú ] š ½] œ ú Ÿ ] ½ ú ƒä ˆ½Å Š Ä 5.32 ˆÅ ½ õ ½ ½ ½ íÿ ƒ Ÿ Ê ½ Š ž Š 5 œ ½ Ÿ í Ê œ õ Š ½ ˆ½Å ½ ½ Š œ ú Ÿ ] ½ ú Ä ½ ˆÅú ˆÅ ½ Ÿ ½ 1 191, , , ,844 FY15 œ ú Ÿ ] ½ ú ƒä ˆ½Å Š Ä ½ ˆÅú FY16 œ ú Ÿ ] ½ ú ƒä ˆ½Å Š Ä Ÿ í ½ ˆÅú íÿ ½ Š Ÿ úµ š Ä í ú ½ Ê ˆ½Å š ú ] ³Å Ê ˆÅú œ» Ä ˆÅ ½ ˆ½Å Š Ÿ í ½Š ] ú Š Ÿ úµ µ ½] Ê ˆÅ ž ú ˆÅ Ä ˆÅ í 40 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

43 OUR STAKEHOLDERS Whistleblower Cases No. of cases reported 6 We have developed a robust infrastructure of Learning Centres encompassing the latest developments in technology, benchmarked with the best learning practices worldwide, including e-learning. We also provide training to differently-abled employees to ensure their comfortable transition into the mainstream work environment. Talented young officers are also trained for capability building, posted in critical positions/ specialized areas such as Credit, Forex Operations and Marketing. The trained officers are even moved across verticals in specialized areas. One-time cash reward was given as a goodwill package to staff pensioners/ family pensioners aged 80 years as on 1st July 2015 on the occasion of Diamond Jubilee. 2 5 No. of cases found genuine No. of individuals held responsible for a potential or actual We facilitate the implementation of many key Government policies. We registered over 8 crore individuals for Aadhaar Cards over the past two years as linking them up through Aadhaar cards is crucial for the disbursal of subsidies directly to the beneficiaries. Similarly, we have opened 5.32 crore accounts under the Pradhan Mantri Jan Dhan Yojana (PMJDY) during this period. About 50% of these accounts were opened for women and other backward groups. Number of PMJDY A/Cs (in crore) FY15 No of A/C under PMJDY 1 No. of mishaps prevented FY16 No of Women A/Cs under PMJDY Crore Accounts Opened under PMJDY Scheme Our attrition rate has reduced from 2.56% in to 1% in Government As the leading banking entity of the nation and with Government of India as our major shareholder, we endeavour to adhere to Government guidelines promptly. We have also implemented rural housing loan schemes such as Gram Niwas and Sahyog Niwas, to cater to the housing needs in rural and semi-urban areas. State Bank of India Sustainability Report

44 íÿ ½ í š ˆÅ `143 ˆÅ ½ Ä 2 1 Ÿ ½ ú œ ˆÅ Š 3 2 ˆ½Å í ˆÅ ½ ˆÅ íÿ ½ œ \ œ ½ ½ ˆÅ Ê ˆ½Å Ÿ» ] ˆÅ ½ œ ˆÊÅ í ½ ½ íÿ, ] ˆ½Å íÿ œ œ ½ ³Åœ ½ ž ˆÅú Ÿ Š ĈŠŸ Ê ½Š ½ ½ íÿ íÿ ½ œ ½ ½ š ˆÅ Ê ˆ½Å Š \ œ ˆÅ í íÿ ½ ½ ˆÅ Ê ˆÅú œ» ] ú Ÿ Ê íºƒä í íê œ ½ ½ Ê œ Ÿ Ÿ ú í íÿ œ ½ˆÅ Ä Š Ÿ ½ š ˆÅ ž ½ ˆÅ í½ íÿ œ ½ œ Ê œ ½ š š ˆÅ ½ š ˆÅ ] ˆÅ ú Ÿ ³Åœ ½ íÿ ½ ½ š ˆÅ Ê ˆÅ ½ ú ] ú í ½ íÿ ú ½ ƒ œ ž ú œ š í ƒ \ ½ ˆ½Å, ƒ ½ ½ Š \ œ ú» ÿˆå» \ ˆÅ ˆÅ ½ š ˆÅ œ ˆÅ í ú Ä ½ ˆÅ ž Ÿ œ ú ˆÅ ˆÅ ˆÅ ú ƒä ƒä (-24.00%) ú œ ú» ÿˆå ú ƒä 2, (-30.34%) ú ž ú í ˆÅ œ ½ ½ Ÿ ] ˆÅ íÿ ½ œ»µ Ä ½ \ í ½ í íÿ ÿˆå œ ½ Ä ˆ½Å ž ˆÅú œ Ä ˆ½Å ˆÅ œ ½ ½ Ÿ ] ˆÅ ˆ½Å ] ˆ½Å ³Åœ Ÿ Ê ½ í Ä 2 5 ˆ½Å ÿˆå ˆÅ ú ] 3 ˆÅ ½ õ Åœ í, ] ˆÅ Ÿ Ê ˆÅ ½ õ Åœ ˆÅú ú ˆ½Å ˆÅú Š ƒä íÿ ú ú Š š Ÿ ³Åœ ½ œ íÿ ƒ ú íÿ ˆÅƒÄ ½ ½ Š œ ½ ú ] ½ ] ˆÅ í½ íÿ ˆÅ œ ½ ½ Ÿ ] ˆÅ Š š Ê ˆ½Å œ Ÿ º ˆÅ Ä ½ À µ Ÿ Ê í ½Š º š Ê Ÿ Ê í ½Š Ÿ ƒä ] 13 Ÿ ƒä ] 14 Ÿ ƒä ] 15 Ÿ ƒä ] III ˆ½Å í š ˆÅÀ Ÿ ] íÿ ž ˆ½Å Š ˆÅ Ê í ˆÅ ˆÅ ˆÅ ½ ž ú ] ½ íÿ ½ Š íˆå íú íÿ, ˆÅú º š ˆ½Å ˆÅƒÄ Š Š ½ Ê Ÿ Ê œ \ ˆÅ ½ íÿ íÿ œ ú ˆÅ œ ½ ½ Ÿ ] ˆÅ ˆ½Å ] œ ú Ÿ ] ˆÅ ˆÅ Ä»\ ú ˆÅ ½ Š ½ [õ ½ íÿ íÿ ½ œ Ê ˆÅú ˆÅ œ ½ ½ Ÿ ] ˆÅ Ÿ Ÿ í, ] ½ Š š Ê ˆÅ \ ˆÅ ú í ˆÅ œ ½ ½ Ÿ ] ˆÅ ˆ½Å í ˆÅ Ä ÅŸ Ê ˆÅ ½ Ÿ œ œ» ˆÅ ½ ˆ½Å ½Ä ½Ä ½ ú í íÿ ½ œ œ ˆÅ ˆÅ œ ½ ½ Ÿ ] ˆÅ \ ž Ÿ Ê í ½Š ] ú ˆÅ ] Ä [õ ž»ˆå œ ] ú œ ˆ Å ˆÅ œ Ê ˆ½Å í œ š ˆÅ Ÿ Ê í ½Š íÿ ½ ú œ Ê ˆÅ ˆÅ Ÿ í œ»µ Ä ž Š íú í ˆÅ ½ ú \ ú] í, ] ½ ½ ˆ½Å ž ú Š ˆÅ Ê ˆÅ ] ú ºš ú ƒ ½ ½ ˆÅ ž í œ ½ Š ˆÅú š º ˆÅ µ ˆÅ Ÿ í œ»µ Ä ž Š í ˆ»Å 42 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

45 OUR STAKEHOLDERS 3.2 STAKEHOLDER LEVEL II: INVESTORS Our operations are directed towards creating value for our investors, thereby, directly and indirectly, contributing to India s overall economic growth. We have consistently performed well for our shareholders. Our investors have received capital appreciation and regular returns on our shares. We have been consistently declaring more than modest dividends every year. Most of the information about our products and performance are regularly shared with our shareholders and are also readily available on our website. Over these four years, the share has performed consistently well and is above the PSU Bank Index. SBI Share Price Versus PSU Bank Index and CSR runs through our entire business paradigm. Our Bank earmarks 1% of the previous year s net profit as the budget for CSR spend for the year. The Bank s CSR budget for was Rs 131 crore, against which the actual CSR spend was Rs crore. Our CSR activities are fairly widespread and deep rooted and hence, we have been exceeding our CSR budget consistently over the years. Focus Areas of CSR Activities Education Healthcare Sanitation Livelihood creation Assistance during natural calamities such as floods and drought `143 Crore Spent on CSR in FY2016 SBI NSE (-24.00%) CNN PSU BANK BSE 2, (-30.34%) May 12 Sep 12 Jan 13 May 13 Sep 13 Jan 14 May 14 Sep 14 Jan 15 May 15 Sep 15 Jan STAKEHOLDER LEVEL III: SOCIETY AT LARGE We operate in many different domains to provide convenience to the citizens of India even the ones who are not our customers. One of the ways we take forward our social agenda is via our Corporate Social Responsibility (CSR). We have a seven-member CSR Committee to steer the activities and provide directions and guidance for timely completion of programmes covered under CSR. We also have a comprehensive CSR Policy in place Supporting Education Education remains at the core of our CSR initiatives. It is education that shapes the future citizens of the country, and thereby, the country s future. Technology is a vital part of modern education. To support school education, especially in schools for underprivileged children, the Bank has provided a large number of computers during FY for a total expense of Rs crore. State Bank of India Sustainability Report

46 íÿ ½ í š ˆÅ `56 ˆÅ ½ Ä 2 1 º š ½ œ ˆÅ Š Ÿ Ê, ½ ˆÅ ½ ½ ˆ»Å Ê Ÿ Ê ] í  œ º š œ œ \\ ½ [õ ½ íÿ, í ½Š œ ˆÅ ½ ˆ½Å, ÿˆå ½ ½ ž ˆ½Å ˆ»Å Ê Ÿ Ê Ä 2 5 Ÿ Ê 7.2 ˆÅ ½ õ Åœ ˆÅ ˆÅ ˆ½Å õú Ÿ Ê ˆ Åœ» œ ˆÅ ûå úä\, ˆÅ œ ˆÅ µ œ ½Š ú Ÿ ˆ½Å ³Åœ Ÿ Ê ƒ Å Æ\ í ú ˆÅ ³Åœ ½ š \ º ú ½ \\ Ê Š ú \\ Ê ˆÅú º š ˆ½Å ˆ»Å Ê í œ š ˆÅ Š º š Ê Ÿ Ê í ½Š ú ˆ½Å œ Ÿ º ˆÅ ½ Ÿ Ê ˆÅ œ Ÿ º ˆÅ Ä ½ ³Åœ ½ Ÿ ] ˆ½Å œ º š œ œ ĈŠ³Åœ ½ ˆÅŸ ] ½ Š ½ ˆÅ ½ \ ú º š œ š ˆÅ í íÿ ½ ˆÿÅ ] ú œ µ ˆÅ úÿ Ê ˆÅ œ Š ½ ˆÅú ½ˆÅ Ÿ ½ š ˆÅ Ä ÅŸ Ê ˆ½Å š Ê ˆÅú š ˆÅ š Ä ˆÅú í ƒ ˆ½Å ÿˆå ½ Ä 2 5 ˆ½Å ž ] Ê ˆ½Å œ ½ Ê ˆ½Å Š Ÿ úµ š Ä í ú ˆ½Å Ê Ÿ Ê 79 Ÿ» Ê \ ˆÅ í œ š ˆÅ íÿ ƒ ˆ½Å Æ, ÿˆå ½ ½ œ ½, ÿˆå Ê ˆÿÅ œ ½ ˆÅ ½ \ ˆÅ œ ˆÅ µ œ š ˆÅ íÿ Ä 2 5 Ÿ Ê ÿˆå ½ º š Ê œ 5 ˆÅ ½ õ Åœ \ Ä ˆÅ Ÿ Ê í ½Š ƒ Å Æ\ ˆÅú ˆÅŸ ú ˆ½Å ˆÅ µ ˆÅ ûåú ½ ˆÅú œ ž íºƒä í ˆÅ õ ˆÅ ˆ»Å ú ½ ] \ íºƒä íÿ í µ ˆ½Å, ˆ»Å Ê Ÿ Ê \ Ê Š º š Ê ˆÅú ˆÅŸ ú õ ˆÅ Ê ˆÅ ½ ˆ»Å ] ½ ½ ½ˆÅ œ Ÿ º ˆÅ µ í \ ž ž ˆ½Å, íÿ \ º š Ê œ \ ˆÅ ½ í½ íÿ ƒ ž ˆÅú ž ½ ˆÅ Á œ ½ ½ ] Š ˆÅ ½ ½ ž Ÿ Ê ] ³Å Ÿ ˆ»Å Ê Ÿ Ê \ Ê ˆ½Å Ÿ ĵ ˆÅ ½ ½ ] º õ ½ ˆ½Å œ ½ í ˆÅ í íÿ ½ ž ú ž \ ž Ê Ÿ Ê ž Š í ƒ ½ Ÿ Ê ˆÅ Ä ] ú ½ ˆÅ ½ ú í œ š ˆÅ ƒä í ] ú ˆÅ ¼] ÿˆå ½ Š Ÿ úµ ½] Š œ µ ƒä ú ƒä œ ˆÅ íÿ, ] ½ º ˆÅ, ºœ Ÿ œ ˆÅ ú ú ½] Š œ µ ˆÅ Ä ÅŸ Áû Å ˆÅ ½ íÿ í ˆÅ Ä ÅŸ ½ ³Åœ ½ ž Ÿ Ê Š Ÿ úµ º Ê ˆÅ Æ ˆÅ µ ˆÅ ½ Ÿ Ê Ÿ Ÿ ĵ ˆÅ ˆÅ ½ íê ½] Š º³Å ˆÅ ½ ˆ½Å ˆÅ Š í ƒä ú ƒä ½ 92 ÄŸ œ š Ê ˆ½Å ú œ ½ Š ˆÅ œ µ ˆÅ Ä ÅŸ \ ˆÅ íÿ ] ½ ˆÅ íê µ» ú ] Ê œ Ÿ µ œ ˆ½Å ½Š ] ˆ½Å Ä 2 7 Ÿ Ê š ˆÅ Š íˆå ½ ˆ½Å Ê ú œ ú ½ ˆÅ ½ œ ˆÅ ] Š 44 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

47 OUR STAKEHOLDERS Infrastructure support by way of furniture, scientific instruments and other educational accessories Donation of school buses/vans for physically/visually challenged children and children belonging to economically weaker sections of the society Supporting Healthcare One of the agendas of CSR is to provide quality healthcare, particularly to those belonging to the under-privileged and economically weaker sections of the society. We assigned a major portion of funds to programmes related to detection and prevention of fatal illnesses such as cancer. We also strive to respond to the needs of critical patients. To achieve this, the Bank has donated 79 ambulances and medical vans in rural and semi-urban centres of various States and Union Territories in FY Further, the Bank has donated medical equipment to Eye Hospitals, Blood Banks and Cancer Hospitals. In FY , the Bank spent Rs 56 crores on healthcare. Supporting Sanitation How well students learn is affected by lack of infrastructure. Girls are particularly vulnerable to dropping out of school. For instance, lack of proper toilets and washing facilities are one of the reasons why they stop going to school. Following the Swachh Bharat Abhiyan, we have been spending money on appropriate sanitation facilities. The spirit of this campaign enthused corporates to become actively involved in carrying out construction of toilets in needy schools across the country. We also participated in various campaigns for sanitation and made donations to NGOs working in the domain. Livelihood Creation The Bank has set up 116 Rural Self Employment Training Institutes (RSETIs) which offer free, unique and intensive short-term residential self-employment training programmes with free food and accommodation. This is designed especially for capacity building / self-employment and for empowering rural youth in India. RSETIs conducted three pilot training programmes for 92 existing Business Correspondents to qualify for Debt Recovery Agents (DRAs) Certification. More CSPs will be trained in FY `56 Crore Spent on Healthcare in FY 2016 State Bank of India Sustainability Report

48 íÿ ½ í š ˆÅ 3 4 ž ú ½ ÿˆå Ÿ Ê íÿ œ ½ œ ˆÅ ƒˆå ½ Á ] ˆÅ ûºå œ ˆÅ ½ ˆÅŸ ˆÅ ½ ˆÅ œ ˆÅ ½ íÿ í ˆÅƒÄ œ í Ê ½ ž í ½ í í µ ˆ½Å íÿ œ Áƒ ÁûÅ ½ ½Æ ½ º Ê Ÿ ú ú Ÿ Ê ˆ½Å ú Ÿ, ˆÅ ½ ˆÅ ˆÅ ú ] Ÿ Ÿ ú Ê ž ú œ š ˆÅ ƒä íÿ íÿ ½ œ ½ œ \ Ê ˆÅ œ Ä µ œ úš ½ ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å ž ú Å ˆÅ Ÿ íÿ ˆÅ Ä Ê Ê Ÿ Ê ] Ä µ ˆ½Å ú ƒ Æ Š ˆÅ Ä ÅŸ Ê ˆ½Å ] ÿˆå œ ½ œ \ ˆÅ Ä ûºå œ ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å ž ú ˆÅ Ä ˆÅ í í œ Ä µ ú ½Š ˆÅ ½ [õ ½ ˆÅ Š ] ˆ½Å œ ½Š ˆÅ ½ ½ ˆ½Å œ ½ œ Ÿ Ê íÿ ½ œ ½ ½ š ˆÅ Ê ˆÅ ½ ÿˆå ˆÅú ĈŠœ ½ Ä ƒ ½Æ Á ˆÅ ³Åœ Ÿ Ê œ œ ˆÅ ½ ˆ½Å œ ½ í ˆÅ í íÿ ½ ½ š ˆÅ Ê ƒä ĈŠœ ½ Ä ˆÅ ½ úˆå ˆÅ ] ½ ˆ½Å ˆÅ µ ƒ í \ ƒä Š ƒä ˆÅ œ ½Š ú ƒä ˆÅ µ š ˆ½Å ] œ º š œ œ \\ Ê ˆ½Å ] ú ˆÅ ½ ºš ½ ˆ½Å ˆÅ Š ÿˆå Ÿ Ê íÿ ž ú ½ Ê Ÿ Ê œ ½ œ \ Ê ˆÅ ˆÅŸ ˆÅ í½ íÿ œ ½ ú ½ Ÿ Ê œ ˆÅ ½ õ Åœ ˆ½Å ˆ½Å íÿ ½ ] ú \ Ä ˆÅ Ÿ í½ íÿ ˆÅ Ä ºÅ œ ˆÅŸ ˆÅ ½ ˆ½Å ˆÅ Š œ. ] Ä ½ \ ½ ½ ú Ÿ Š 2. Ê Ÿ Ê Š ú \ ÿ ˆ ÅŠ ˆÅ Š ] í ÿ ˆ ÅŠ º³Å ˆÅ Š ½ ÿˆå Ÿ»í ˆ½Å 59, ½ ž ú š ˆÅ ú Ÿ ˆÅ ú ] Ÿ Ÿ ú Ê ˆÅú ] í ½ ˆÅ Š ] ˆÅ œ ½Š ˆÅŸ í ½ Š í 3. ½ ÿˆå ž ˆ½Å Ÿ ] œ ú ƒ Æ Š œ ž ˆ½Å ½ ½] ˆÅ ½ Ÿ Ê ½ í ƒ ˆÅ œ ½Š ÿˆå ˆ½Å Ÿ º ú Æ Ä Ÿ Ê ˆÅ ] í 4. ˆ½Å Ÿ Ÿ Ÿ Ê ž ú Ÿ Ê Ÿ Ê ½œ µ ž \ ] í œ ½ 3 ½ Ÿ Ê 4,5, ½ ž ú ] œ ½ õ Š Š íÿ 5. œ» ½ ž Ÿ Ê íÿ ½ ž Ê Ÿ Ê ˆ½Å ] ˆÅú \ ƒä ˆÅú œ ½] º³Å ˆÅú Š ƒ íÿ 46 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

49 OUR STAKEHOLDERS 3.4 ENVIRONMENT At SBI, we attempt to reduce our ecological footprint. This is achieved through several initiatives. For example, we have been providing ATMs, Kiosks and Cash Deposit Machines in addition to PoS access points and mini ATMs. We have also taken proactive steps to reduce the direct impact of our operations on the environment. From recycling programs to energy conservation in offices and branches, the Bank is working to reduce its operational carbon footprints. In our constant endeavour to enhance environmental sustainability and to cut down on consumption of paper, we have encouraged shareholders to receive the Bank s Annual Report in electronic form (ear). As a result of the support and acceptance of ear by our shareholders, the amount saved was utilized for improving the lives of under-privileged children through contribution in SBI Children s Welfare Fund. We, at SBI, have also been reducing our cost of operations in all areas. Our power expenses per Rs 1,000 crore of business have been constant over the last three years. MEASURES TAKEN TO REDUCE CARBON FOOTPRINTS 1. Installed solar ATMs 2. Introduced Green Channel Banking (paperless banking) at branches. Over 59,000 SBI Group ATMs and Cash Deposit Machines (CDMs) have reduced consumption of paper 3. A recycling plant housed at the basement of SBI Bhavan converts waste generated in the building into compost. The compost is then used at the headquarters and the residential quarters of the Bank 4. Tree plantation drive is periodically undertaken during monsoon across all Circles; more than 4,50,000 trees planted during the last 3 years. 5. Rainwater harvesting projects have been implemented in a number of our buildings across India State Bank of India Sustainability Report

50

51 Chapter 4 Transforming Communities

52 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š 4 1 Ÿ ½ ú Ÿ ½ ˆÅú íÿ ú ú ú Ÿ ½ [õ ½ Š Ÿ úµ, º Ÿ š Ÿ Ÿ ½ í Ä ˆ½Å œ ˆÅ ½ Ê ˆÅ ½ µ œ š ˆÅ ½ ˆÅú ½ Š í í ˆÅûÅ ú Ê œ ˆÅ ] í í í º ˆÅ ] í í ˆÅ ˆÅ \ ƒä ] íú ž ú ½] Ê ˆ½Å ž œ» ú í ½ ½Š Ê ˆÅ œ íºâ\ ½ ú Ÿ ½ Ÿ ½ ½ Ÿ í] ˆÅ í íú í í Š í ú Ÿ ˆÅ í íÿ Ê º œ ½ ½ ½ Ÿ Á ˆÅ \ ˆÅ ½ \ í, ] ½ º [õ Ÿ œ ú ˆÅ úˆå ½ í ½, ] ½ íÿ ½ ˆ½Å Š ú ½ Š ú ˆÅú œ ½ Ê ˆÅú œ» Ä º ˆÅ ˆÊÅ úÿ ú Åš ž Ä š, ž ú ½ ÿˆå ú Ÿ ½ í½ º Ÿ ½ ƒ ÿ ˆ ÅŠ œ ½ Š ˆÅú ˆÅ œ ½Š ûå ƒä ú ˆÅ ½ ˆÅ œ ½Š 50 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

53 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES 4.1 FINANCIAL INCLUSION Our policy on Financial Inclusion is geared towards promoting financial education and making credit available to productive sectors of the economy, including the rural and MSME sectors. This is being done at the most affordable rates and it is ensured that the benefits of all Government-run schemes reach the target population in full, without any leakages. Financial Inclusion for me is not merely a part of our business. It is an article of faith and a matter of deep belief. We must get our model right, which is robust and built on a scalable technology to ensure we meet the expectations of poorest of the poor in this country. Mrs. Arundhati Bhattacharya, Chairman, SBI Use of Mobile Banking Technology for Financial Inclusion Use of RFID Cards State Bank of India Sustainability Report

54 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š íÿ ú ž Ÿ ˆÅ À œ š Ÿ ú ] š ½] ˆ½Å Š Ä ½ ½ Š ] ú ˆÅ Š Åœ ½ ˆÅ ½ ˆÅ µ ú\ ½ Š í À œ š Ÿ ú ] š ½] ˆ½Å Š Ä Ÿ Ê 31 Ÿ Ä 2015 ˆÅ ½ 31 Ÿ Ä 2016 ˆÅ ½ œ Ÿ Ê ½ ½ Š Ê ˆÅú ] ú ˆÅ Š Åœ ½ ˆÅ Ä œ ú Ÿ ] ½ ú Ä ˆ½Å Š Ä ] ú ²Åœ ½ ˆÅ Ä ú Ÿ ½ ½ ˆÅú Ÿ Ê ˆÅ Ÿ íÿ ½ Š Ÿ úµ ½ Ê ˆ½Å Ÿ Ÿ ú ˆÅ ½ š ˆÅ ½ ˆ½Å ½ ½ œ» ½ ½ ž Ÿ Ê 232 ú ˆÊÅ œ ˆÅ íÿ, ] ½ ½ œ ½ œ µ Ä ½ ˆ½Å Ä 2 5 ˆ½Å ½ ] ú Ê ½ 8.5 ½ š ˆÅ ½Š ž íº íÿ ƒ ˆ½Å ½ ½] Š º ½ ˆÅ Ÿ ] ˆ½Å ˆÅŸ ] ½ Š ½ ˆÅ ½ ˆÅ œ µ ½ ½ ˆ½Å Š Ÿ úµ ½] Š œ µ ½ ½ ½ Š íÿ ½ ú í í ˆÅ 2,84 œ µ ˆÅ Ä ÅŸ Ê ˆ½Å Š Ä 3.4 ž Ä Ê ˆÅ ½ œ ˆÅ Š í Ÿ Ê ½. ž úä ž œ ½] Š Ÿ Ê Š Š íÿ Ä ú Ä ˆÅ ½ Š Ÿ ú ½] Š œ Ÿ Ä 13 Ÿ Ä 14 Ÿ Ä 15 Ÿ Ä 1 Ä ú Ä ú ƒä ú ƒä ˆÅú \ ˆÅ Š œ µ ˆÅ Ä ÅŸ Ê ˆÅú 5,978 7,616 10,013 12,840 œ º Ê ˆÅú 1,60,378 2,07,419 2,65,688 3,40,688 ½] Š œ œ ˆÅ \ ºˆ½Å ŸŸ ú Ê ˆÅú 68,441 1,04,410 1,34,317 1,60,607 ½] Š œ œ ŸŸ ú Ê ˆÅ œ 42.67% 51.22% 51.00% 47.09% >12,000 œ Ä ˆÅ Š œ ˆÅ Ä ÅŸ ú ˆ½Å Ê Å ú ˆÅ ½ ú ˆ½Å Å ú ú Ÿ Ä 13 Ÿ Ä 14 Ÿ Ä 15 Ÿ Ä 1 ûå ú ˆÅú \ ˆÅ Š ½ ˆÅ ĈŠœ Ê ˆÅú 2,723 7,913 28,879 37,734 œ º Ê ˆÅú 1,42,823 4,84,180 17,39,313 25,87,127 œ ž À ˆÅ ú ½], œ Ê, ] ú º, Ÿ ½Š œ ú] ú ú ] ú ˆÅƒÄ ˆÅ ú ½] œ ž µ ˆ½Å Š Ä ú íÿ 5 ˆÅ ½ õ ½ ž ú ] œ ú] ú Š íˆå œ ž µ Ÿ Ê Ÿ íÿ, ] ½ Ÿ Ê ½ õú ž ½] í œ ú] ú ú ˆ½Å µ ˆ½Å íÿ íú ˆÅŸ œ ½] ˆÅ ÿˆå íÿ 52 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

55 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Our Role: Accounts Opened and RuPay Cards issued under Prime Minister s Jan Dhan Yojana are given below: Under PM Jan Dhan Yojana (Numbers in lakh) As on As on Growth (%) No. of Accounts opened No. of RuPay Cards issued Steps toward increasing Financial Literacy We have set up 232 Financial Literacy Centers across the country with the aim to empower common masses in rural areas, to take informed decisions on their own. More than 8.5 lakh persons benefitted from financial literacy camps organized during Also, 116 Rural Self Employment Training Institutes (RSETIs) have been instituted to provide vocational training to the unemployed youth, particularly from the weaker sections of society. Notably, 3.41 lakh candidates have been trained in 12,840 training programs and 1.60 lakh were gainfully settled. 421 lakh RuPay Cards Issued Under PMJDY Details of RSETIs Rural Self Employment Training Institutes (RSETIs): (Cumulative) Mar-13 Mar-14 Mar-15 Mar-16 No. of RSETIs No. of training programmes conducted 5,978 7,616 10,013 12,840 No. of youth trained 1,60,378 2,07,419 2,65,688 3,40,688 No. of candidates settled 68,441 1,04,410 1,34,317 1,60,607 % of settlement 42.67% 51.22% 51.00% 47.09% Details of FLCs Financial Literacy Centers (FLCs): (Cumulative) Mar-13 Mar-14 Mar-15 Mar-16 No. of FLCs No. of outdoor activities conducted 2,723 7,913 28,879 37,734 No. of persons participated in outdoor activities 1,42,823 4,84,180 17,39,313 25,87,127 >12,000 Training Programmes Completed Direct Benefit Transfer (DBT): Government Schemes Various government schemes such as Scholarships, Old Age Pension, Janani Suraksha, MGNREGA, and LPG subsidy come under the purview of DBT. More than 15 crore LPG customers are covered under DBT, the biggest benefit scheme across the world and we are the only Sponsor Bank for disbursement of LPG subsidy. State Bank of India Sustainability Report

56 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š í Ÿ Ê ½ ½ ˆÅ ž ú ú ú Ÿ, œ š ½ ˆÅ ˆÅ œ ½ ½ ÿ ˆ ÅŠ Ÿ»í ] Ÿ ½ œ º Ÿ Ê œ š Ÿ ú ] š ½] ˆ½Å Š íˆå Ê ˆÅ ½ œ ºˆÅ Ê ˆÅ µ 54 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

57 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Account Opening Drive in Hyderabad Shri B Sriram, MD(CBG), delivering Pass Books to PMJDY customers in Jamshedpur State Bank of India Sustainability Report

58 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š ú Ä ˆÅú Å ú À Ÿ ˆÅ Ÿ Ê ú Ä í ˆÅú Š Ä ÄŸ Å ú ˆÅú ˆÅú ] ˆÅ ú ú Š Ä í À µ Ÿ Ä 13 Ÿ Ä 14 Ÿ Ä 15 Ÿ Ä 1 Š Ÿ úµ Ê ˆÅú 5,686 6,056 6,257 6,297 ú ú ½ Ê ˆÅú ½ ½ Š Š íˆå ½ ˆ½Å Ê 38,480 45,487 57,575 64,628 ˆÅú œ ºÄÆ Ÿ Ê ½ í ú ½ 5,629 11,423 14,075 12,106 ûå ƒäœ ú Š Ê ˆÅú \ ú Ä Ÿ œ º ½ Ÿ Ê \ ú Ä Ÿ œ º Ê Ÿ Ê ½ Åœ ˆÅ ½ õ Ÿ Ê Ä Ÿ œ ú ú ˆÅ Š ½ ½ Ÿ Ê Åœ ˆÅ ½ õ Ÿ Ê ú ƒä Ÿ Ê ½ ½ Š ½ º ½ \ ÿˆå ½ Ÿ Ê 20,531 (20,531) 203 (162) 1,048 (843) , / % 52,529 (52,259) 353 (263) 2,182 (1,324) , / % (85,130) 729 (314) 4,415 (1,580) 1,417 38, / % 1,03,565 (1,08,230) 928 (355) 8,437 (1,826) 2,169 58, / % 4 2 Å ú ƒä» ûå Á ƒ ˆÅ ½ ú ž ú Š Ÿ úµ û½å ½ œ ˆÅ Ä ÅŸ í, ] ½ íÿ ½ œ ú š Ê ½ º³Å ˆÅ í ] ˆÅ œ š ž ú íÿ íú ˆÅ ½ íÿ ƒ ½ ú œ Š ˆÅ ú Š Ÿ Ÿ \ Ä ûå ½, ú ƒä ûå ½ œ Ÿ Ê \ Ä ûå ½ ½ Ÿ ˆ½Å ž Š ú ú Ÿ Ê Ÿ \ Ä 2 ˆÅ ½ º³Å ˆÅ Š ž ˆÅ Ÿ ˆÅ Š Ÿ úµ œ ½] Ê Ÿ Ê í ú º Ê ˆ½Å \ ˆÅ ] º õ ˆÅ ½ º ˆÅ í ú Š Ÿ úµ» ˆÅ ƒ ˆÅ Ä ÅŸ ˆÅ ½ í í 3 Ÿ íú Ê ˆÅú š ˆÅ ˆÅ Ä ÅŸ í, ] ½ ž ˆ½Å í ½ í º Ê ˆÅ ½ ºž ú Š ˆÅ ú Š Ê ˆ½Å 56 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

59 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Rural Outreach of SBI: The following Table explains the present rural outreach achieved by SBI: Mar 13 Mar 14 Mar 15 Mar 16 No. of Rural Branches 5,686 6,056 6,257 6,297 No. of BC Outlets/Total number of CSPs 38,480 45,487 57,575 64,628 Deployed Out of above, Urban Outlets 5,629 11,423 14,075 12,106 Coverage of FIP Villages (Cumulative Year End Target) Small accounts (in lac) (Cumulative Year End Target) Balance in Small Accounts (Rs. cr) (Year- end Target) Transactions in BCs No. in Lac Amount in ` Crore Accounts opened: Small A/Cs / S/B A/Cs (in lac) % of Small A/Cs / S/B A/Cs (in lac) 20,531 (20,531) 203 (162) 1,048 (843) , / % 52,529 (52,259) 353 (263) 2,182 (1,324) , / % (85,130) 729 (314) 4,415 (1,580) 1,417 38, / % 1,03,565 (1,08,230) 928 (355) 8,437 (1,826) 2,169 58, / % 4.2 YOUTH FOR INDIA SBI Youth for India (SBI YFI) is a unique Indian Rural Fellowship Programme initiated, funded and managed by SBI. It was launched on 1st March 2011, in partnership with three reputed NGOs, viz., M. S. Swaminathan Research Foundation, BAIF Development Research Foundation and Seva Mandir. The objective of this programme is to bridge the widening urbanrural gap by ensuring voluntary involvement of urban educated youth in various rural development projects. The NGOs currently in partnership with us are BAIF Development Research Foundation, Seva Mandir, Barefoot College, Aga Khan Rural Support India, Gram Vikas, Dhan Foundation and Chiraag. State Bank of India Sustainability Report

60 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š Š Ÿ úµ ˆÅ œ ½] Ê Ÿ Ê ˆÅ Ÿ ˆÅ ½ ˆÅú º š ½ í Ÿ ] ˆ½Å º š œ œ Š ½ ˆ½Å º ˆÅ ½, œ ˆÅ Ê ] ½ ƒä ƒä ú, ƒä ƒä Ÿ, ƒä ûå ú ˆÅ œ ½ ½ Ê ] ½ Ÿ»í, ˆ½Åœ ] ½ Ÿ ú, ƒä ú Ÿ ˆÅ \ ˆÅ ] í, ] í ½ Š Ÿ úµ ½Š Ê ˆ½Å ] º õˆå ˆ½Å Ä ˆÅú ˆÅ Ê ˆ½Å ] º õ ] ½ íÿ Ä ½ ú Ä Å ½Å ½ ˆÅú Š Ä œ Ÿ º œ ½] 1 ] Ÿ Ê Ÿ ˆÅ š Ÿ Ä ºž œ ] Š ňŠ] ˆÅ ] ] Ÿ í Ê ˆÅ ½ œ Ä ºˆ Å í ½ ½ ˆÅœ ½ ˆ½Å ú ¾œ ˆÅ ˆÅ œï µ í œ ½] œ ˆÅ í, ] ˆ½Å Š Ä Ÿ ˆÅ š Ÿ Ä ˆ½Å º ú œ Æ ú ˆ½Å ½ Ÿ Ê Ÿ í Ê ˆÅ ½»\ ú ] ú í Š Ÿ Ê ] Š š Ÿ Ê Ÿ í Ê ˆÅ ½ Ÿ ˆÅ ½ œ š ] í Ÿ í Ê õ ˆÅ Ê ] ½ œ» Ä Ÿ Ê œ ú ½ ˆ»Å ½ õ \ ºˆ½Å ½, ˆ½Å ] ú ˆÅ ½œ ] Ä ˆ½Å ] ˆÅ ½ ˆ½Å ½ ½ í œ ½] ˆÅú Š ƒä ú 2 œ ½] ½ œ Å Ÿ Š Ä ½ œ ûå Ÿ Š Ä» ½ ½ ˆ½Å ˆÅ š ˆÅ \ ˆÅ ˆÅ Ä œ µ ½ ] ˆÅ ƒ œ ½] ˆÅ ½ í í ˆÅ Ê, Š ú ˆÅ Ê, ž ½ Ê ˆ½Å œ ºµ Ê ˆÅ ½ ž ˆÅ ú ½ ˆÅ Ÿ \ œ ˆÅ í ˆÅ úš ½ ˆ½Å ˆÅú Š ƒä Ÿ ú ½ ½ íº Ÿ ˆÅ ˆ½Å ½ Ÿ Ê Ÿ í Ê ˆ½Å \ œ º Àƒ ½Ÿ ˆÅ ½ ½Š ú Š Ÿ úµ \\ Ê ˆÅú 58 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

61 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES It is a 13-month long programme that enables India s brightest young minds to work on rural development projects with experienced NGOs. Young professionals from reputed educational institutes (such as IITs, IIMs, NIFT, etc.) and Corporates (such as Tata Group, CapGemini, IBM, etc.) are selected for the programme, wherein they join hands with rural communities, empathize with their struggles and connect with their aspirations. A Few Projects taken up by SBI YFI Fellows since CREATING AWARENESS ON MENSTRUAL HYGIENE IN RAJASTHAN AND TRAINING TRIBAL WOMEN TO MAKE ECO-FRIENDLY, HANDMADE CLOTH SANITARY NAPKINS The project is a comprehensive one, focused on informing women about safe sanitary practices during menstruation and involving women in an income generation activity in the village. The project was devised with an objective to create livelihood opportunities for those women and girls who are former migrants or school drop-outs. 2. PROJECT UDAAN - ESTABLISHING A PEFORMING ARTS STUDIO This project is aimed at building basic infrastructure required to establish a performing arts studio and hold workshops and trainings. It provides a platform for amateur dancers, musicians, actors and expert students of the school to explore and learn diverse art forms. YFI Volunteers Showing Machines Developed for Bamboo Artisans Toilets for Women in Salt Pans Reusable Sanitary Towels Educating Rural Children State Bank of India Sustainability Report

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63 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES 4.3 DIGITAL INITIATIVES Digital transformation is one of the trending topics in the retail banking industry. Banks understand the power of digitization and how essential it is to their success. They realize that Going Digital is more than a marketing strategy; it guides them to inculcate fundamental changes in their learning, interaction and means to satisfy their customers needs. Customers can be broadly categorized into: Digital Natives customers born after 1990s and Digital Immigrants customers born before 1990s. SBI: Pioneer in Digitization State Bank of India, the Banker to Digital India, has changed the way its customers do banking. Our innovative applications have brought banking closer to the customers on the go. Superior customer experience and trust in SBI has clearly made us a leader in Mobile Banking. We also have an immense and active presence in the social media. We have over 54 lakh likes on our official Facebook page and nearly 6 lakh followers on Twitter. We have 2.22 lakh followers on Linkedin and viewership of more than 100 lakh on YouTube channel, with around 16,500 subscribers. All these media are being frequently updated with information on new products, policies, how to use the existing services online and also news of the financial sector. Advantages of SBI Digital Banking Project: Unified Customer experience across all digital channels (web, tablet, mobile) Enables bank to personalise customer service as per their preferences The Digital Bank provides an Innovative Customer Acquisition and Service delivery platform for young, affluent and HNI customers. Integrated customer conversations across all touch points. Leads to better CRM and better customer analytics to aid granular sub-segmentation, leading to better crosssell/up-sell and post-sales service. Digital channels enable banks to implement One-to-One marketing principles on a large scale at relatively lower cost. Behaviour Tracking enhances the scope for online real time Digital Marketing. Lead generation through digital channels (internet, mobile, call centre, social media). Better Social Media engagement to understand customer taste and needs. This can be combined with data from other resources to get a 360 O view of the customer. Enabling Remote Relationship Management: The customer can web-chat with an expert in the Bank. Real-time reporting and performance management through Dashboard Reports. Reduced sales process duration. sbiintouch sbiintouch provides a range of services through its digital interface. 115 sbiintouch Branches were opened across the country covering 70 districts in to take the digital presence of the Bank forward. Through sbiintouch, customers can open accounts along with issuance of debit card instantaneously. sbiintouch Branches are equipped with state-of-the-art devices/kiosks to cater to the needs of Gen Y and Smart Affluent. In a nutshell, customers get a consistent, relevant, and personalized banking experience in sbiintouch branches and premier outlets. Mobility Applications We are the leader in Mobile Banking transactions across the banking sector. We have leaped to the number 1 position in terms of value of transactions with a quantum jump 115 sbiintouch Branches Opened in State Bank of India Sustainability Report

64 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š 1 ú Ä Š ½ î ú ƒ ½ Ÿ ½ Ä ˆ½Å, º Ÿ š Ÿ Ÿ Ê ˆÅ œ ½ ½ Š íˆå Ê ˆ½Å íÿ ½ ÅŸ À ½ ÿˆå ú í½ ½ ÿˆå ú í½ ˆÅ Á œ ½ ½ º³Å ˆÅ Š ƒ œ ˆ½Å Ê ½ Š íˆå Ê ˆÅ ½ ½ ˆÅú œ», º µ, º ú ž ºŠ, ƒäœ ú ûå ž ºŠ, \ ] Ÿ ] ½ ž ú ÿ ˆ ÅŠ ½ ½ Á ƒ ½ ˆÅ ½ ˆÅú º š Ÿ ú í ˆÅ Á œ ½ ½ Š íˆå Ê ˆÅ ½ ˆºÅ Æ º š Ÿ ú íÿ, ] ½ œ» ÄˆÅ Ä Ê ˆÅ ½ ž ºŠ ˆÅ ½, ƒä \ ½ˆÅ œ š ˆ Å ˆÅ ½ ½ ½ ˆÅú \ ½ˆÅ ž Ä ÅŸ ˆÅ ½ œ» ˆÅ ½ ˆÅú º š ú ƒä Æ ˆÅ œ ˆÅ ½ ž ú Š ú ½ ½ ˆ½Å ˆÅŸ Ÿ š ˆ½Å ³Åœ Ÿ Ê ½ ] ˆÅ í ú ƒä Æ ˆÅ œ ÁŠ ƒ ˆÅ Š íˆå Ÿ ˆÅ Á ÿ ˆ ÅŠ ˆ½Å ] ú ] ˆÅ ˆÅ í, ˆÅ µ ˆ½Å ½ ˆÅ ˆÅ í œ š Ÿ ú Ÿ ] ˆÅ º ½] Ê ˆÅ ½ ½ ˆÅ í œ ½ Š ˆÅú œ š íÿ ½ ˆÅƒÄ œ Ê Ÿ Ê Ÿ ½ ƒ Á ½ œ ˆ½Å ú ƒä œ í íÿ œ í í ˆÅ íÿ Š íˆå Ê ˆÅú œ ˆÅú ú Š ú ] ³Å Ê ˆÅú œ» Ä ˆÅ ½ ˆ½Å ½ œ ½ º³Å ˆÅ ] ½ ˆ½Å Ÿ íú Ê ˆ½Å íú ˆ½Å œ ] úˆ Å ˆÅ ½ ½ œ ½Æ Ê ˆÅú 2. ½ š ˆÅ í ½ Š ƒä 3 Ÿ \ Ä 2 ˆÅ Ÿ ½ ƒ Á ½ ˆ½Å 23.7 ˆÅ ½ õ Åœ ˆ½Å Ÿ» ˆ½Å 48 ½ ž ú š ˆÅ ½ ½ íº, ] Ÿ Ê ½.47 ˆÅ ½ õ Åœ ˆ½Å Ÿ \ ½ ½ ½ ½ íÿ Ÿ í í ˆÅ ½ ÿˆå Á ½ œ ž µ ˆ½Å ƒ ½Ÿ ˆÅ ] ½ œ í ú Ÿ ½ Ÿ Ê í ˆÅ í ½Š 3 ž Ê Ÿ Ê ˆÅú œ š ú íú º³Å ˆÅ ] ½ ½ ˆ½Å ûå ½ ] Ä ˆ½Å ˆÅ µ ½Š Ê ˆÅ Á ½ ] Š ½ ÿ ˆ ÅŠ Ä ] íÿ ú ½ ÿ ˆ ÅŠ ½ ƒ.. ˆÅú 8 ú ½ˆÅ œ Á ƒ ú ƒ í í ž ˆÅú ˆÅŸ ú ƒ í, ] ½ ˆÅú ú Ä ú ƒ Ê ˆÅú»\ ú Ÿ Ê Ÿ í í º, œ ½Æ ºˆ»Å ˆÅûÅ ú \ í, ] ˆ½Å Ä 2 5 ˆ½Å 24 ˆÅ ½ õ ½ ½ íº, ] ½ ˆÅ œ ½ Ä ˆÅú º Ÿ Ê 39 œ š ˆÅ í ½\ ˆÅ ½ í í ˆÅ íÿ ½ ƒ ½ ÿ ˆ ÅŠ Ÿ Ê š ú Š ƒä ˆ½Å ƒä ú ] ú ½ íÿ, ] ½ ƒä ž ˆÅ ½ [õ Ÿ í, œ ú] ú ú œ ž µ ºŠ Ÿ í ½ ½ íÿ ˆÅ Ä ú ˆÅ ž Š ú ú ˆ½Å ] ƒä µ ] ƒˆå ½ Ÿ ˆÅ ½ ½ í½ º œ ½ ] œ Ê ˆÅ ˆÅ ½ ˆÅ ] í í, ] ½ ƒä Ê Š, ƒä ú Ÿ ú, ƒä Š íµ ½ˆÅ ž ºŠ š ú ˆÅ ú ž Š Ê Ä] ˆÅ ½ œ ÅŸ Ê õ½ Ÿ š Ÿ ˆÅ œ ½ ½ Ê ˆÅú ] ³Å Ê ˆÅú œ» Ä ˆÅú ] ˆ½Å Ä 2 5 ˆ½Å íÿ ½ œ ½ ÿˆå ˆÅ ½Æ ƒä µ ] Ÿ»íˆÅ Ê ˆ½Å ] Š ž Š 8, Ÿ \ ½ Š ] ½ õ ˆÅ ú Ÿ ú ˆÅ ú ] Ÿ í ž ú ½ ÿˆå œ ½ í ½Š ú ÿˆå Ê ½ Ÿ ˆÅ 59, ½ ] úÿ Ê ˆ½Å ˆ½Å õ½ ½ ˆÅ ½ Ÿ Ê ½ ˆÅ í ƒ Ÿ Ê ˆÅ ½ ˆÅ, ˆÅ ú ] Ÿ Ÿ ú Ê ú ƒæ Ÿ íÿ íÿ ½ Š íˆå Ê ˆÅ ½ Ê \ ú Ê ½ ˆÅ ú í µ ˆÅ ú ] Ÿ ˆÅú º š œ ˆÅ ½ ˆ½Å ž ú ˆÅ 5,753 ú ƒæ ½ ÿˆå Ÿ»íÀ, 4 Š íÿ 3 œ ] ˆ½Å ½ ÿˆå Ÿ»í ˆ½Å ú Ÿ ½ ˆÄÅ œ ½ ˆ½Å ˆºÅ ú Ÿ ½ ½ ˆ½Å 5 œ ½ ½ í ½ ½ íÿ 2 5 ˆÅú ˆ½Å º íÿ ½ ú Ÿ ½ ˆÄÅ ˆ½Å ] œ. Ÿ ½ ½ í ½ ½ íÿ ˆÅ ½ õ ½ ˆÅ ½ ˆ½Å œ Ÿ»í ˆ½Å ú Ÿ ½ 3, 39 ˆÅ ½ õ ˆÅú ˆÅú ] ú í 62 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

65 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES in market share from 9.82% in March 2015 to 32.01% as of March During the year, we launched mobile banking applications for SMEs and Corporate customers, State Bank Anywhere Saral and State Bank Anywhere Corporate. These applications allow customers to do all their banking transactions online, such as Account Enquiry, Mini Statement, Utility Bills payment, EPF Payment, creation of Fixed Deposits and a lot more. Corporate customers get some additional features which allow them to initiate payment to suppliers, authorise e-cheques and enquire about account transactions, chequewise and by reference number. SBI Quick app can be viewed as a one-stop solution for all non-financial transactions. A customer can register / deregister for Missed Call Banking, do Balance Enquiry, get a Mini Statement, Block ATM Card, Apply for Home/ Car Loan and view PM Social Security schemes by logging onto SBI Quick. The latest addition to our plethora of technology offerings is the Mobile Wallet application SBI Buddy. It is our endeavor towards becoming the service provider to customers everyday needs, both financial and non-financial. Within 7 months of its launch, user registration for Buddy has crossed 26.6 lakh. As on 31st March 2016, the wallet registered more than 48 lakh transactions to the tune of Rs Crore out of which Rs Crore were merchant transactions. We envisage that State Bank Buddy wallet, as and when it is used for DBT transfer, will aid in financial inclusion. Its availability in 13 languages and its soon-to-be-launched feature phone version will make Buddy a wallet for the masses. Internet Banking and e-commerce Our Net Banking website is the 8th most popular online global financial site. It is the only financial site from India to feature in the list of Top 10 global financial sites. This highly secure, very user-friendly and cost-effective channel garnered around 124 crore transactions during , recording a 39% growth over the previous year. Interestingly, our Internet Banking has features such as Aadhaar Seeding and e-kyc, which promotes e-governance policy of the government, enabling LPG subsidy and other DBT payment. In order to rejuvenate the e-commerce ecosystem through strategic partnerships, our digital offerings are upgraded continuously to cater to the e-tendering, e-auction, e-collection and bulk payments related requirements of the Government Departments/PSUs/Large and Medium Corporates. During , we entered into about 18,000 new merchant tie-ups, directly, or through State Bank Collect or e-commerce aggregators. ATMs and Recyclers (Cash Deposits and Withdrawals) SBI, along with our Associate Banks, are one of the largest ATM networks in the world with more than 59,000 ATMs. This includes Kiosks, Cash Deposit Machines and Recyclers. We have so far installed 5,753 Recyclers (State Bank Group: 6,664) to provide customers 24x7 cash withdrawal and cash deposit facilities. With a market share of 30%, State Bank Group ATM network transacts 51% of the country s total ATM transactions (as on December 2015). On an average, over million transactions per day are routed through our ATM network. With a Debit Card base of crore, on an average, the volume of cash that Group ATMs dispense is Rs 3,039 crore a day. More than 1200 e-corners have been set up across the country where customers can avail IN TOP 10 GLOBAL FINANCIAL SITES State Bank of India Sustainability Report

66 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š >3,700 ú ˆÅ Åœ ½ º úœ Ä ½ ˆÅ½ œ íº ½ ú Ÿ ½ Ÿ Ê 2 ½ ž ú ] ƒä ˆÅ Á Ä Š Š íÿ, ] í Š íˆå ƒ \ ½ ˆÅƒÄ ½ œ œ ˆÅ ˆÅ ½ íÿ ƒ ½ Ê Ÿ Ê ˆ½Å ˆÅ ú í µ, ˆÅ ú ] Ÿ, º µ, ½ ˆÅú œ», œ,, º ˆÅ ˆÅ ž ºŠ œ ºˆÅ œ Š Ÿ íÿ ÿˆå ½ Ÿ ˆÅ ˆÅ Ê ú ˆÅ Ä ú ú ú ] ½ ˆÅ ½ ú Ÿ ˆÅ Äš ˆÅ Ê ˆ½Å ˆÅ Ÿ» ½ ] º š í, ž ú º³Å ˆÅ í, ] í ˆÅ Äš ˆÅ ½ ú ú Ÿ œ š ˆÅ í µ ˆÅ ½ Ÿ ] ˆÅ Ê ú ˆÅ Ä ] ˆÅ ½ íÿ Ä ˆ½Å ÿˆå ½ Š ú œ º³Å ˆÅ ƒ º š ˆ½Å Š Ä Š íˆå ú Ÿ œ ˆÅú í Ä œ ˆ½Å Ÿ Ê ] Š ƒ ½ ÿ ˆ ÅŠ, Ÿ ÿˆå ˆ½Å œ ˆÄÅ ˆÊÅ ˆ½Å ] ú Ÿ œ ] ½ ½ œ ˆÅ ˆÅ ½ íÿ Ä ˆ½Å 3, ú Ÿ Ê ˆÅ ½ ƒ ½Æ Á ˆÅ Š ú ˆ½Å í Š Ä 2 7 ˆ½Å, ú Ÿ Ê ˆÅ ½ ƒ ½Æ Á ˆÅ Š ú Ÿ Ê ½ ˆÅú íÿ ú ½] í íÿ ½ ú Ÿ ˆÅƒÄ úˆå Ê ½ ÿˆå ˆ½Å Ÿ ] ˆÅ ½ ˆÅ œ œ ½ ˆÅ ½ ½ íÿ Ä 2 5 ˆ½Å š Š íˆå Ê ˆÅú º š ˆ½Å, 53 ½ ] ú Ÿ Ê ˆÅ ½ ˆÅ ú Ÿ Š í ½ˆÅ ƒä Ÿ ú Ÿ Ê í º š º³Å ½ ú ] íú í 3 Ÿ \ Ä 2 ˆÅ ˆÅ ú Ÿ Ê ˆÅú [õˆå 9,753 í ½ Š ƒä ú ˆÅ ³Åœ ½ Æ ½Š Ê œ š ½ ž ú íÿ ú œ Ÿ ˆÅ íú í ú ˆÅ ³Åœ ½ Æ ½Š Ê ˆÅú º š ˆ½Å íÿ ½ Š ž Š 3,734 ú Ÿ Ê Ÿ Ê ÿœ Š ½ íÿ ] í ˆÅíú ž ú ž í ½, ÿœ Š œ š ˆÅ ] í½ íÿ íÿ ½ Š ž Š 5 ½ ] ú Ÿ ] ú ˆ½Å ˆÅ œ œ íÿ ƒ ˆÅú [õ ú ] íú í íÿ ½ œ ú Ê Á ƒ ÁûÅ ƒ Á Ê Ÿ Ê, 9 ½ ] ˆÅ ½ š œ ºˆÅ œ Š ˆÅ ½ ˆÅ Š íÿ ƒ ˆÅ ½ ˆÅ Ê ˆÅ ƒ ½Ÿ ˆÅ ˆ½Å Š íˆå ˆÅ ½ ½Æ Á] ú ½ œ ºˆÅ œ ˆÅ ˆÅ ½ íÿ Ä 2 7 Ÿ Ê ] Ÿ ú Ê Š ½ ˆÅú íÿ ú ½] í Š ú ˆÅ ] ú ú ú Š ú \ ˆÅ ] ú ú ú ÿˆå ˆ½Å Åœ ] Ÿ ˆÅ ½, Åœ ˆÅ ½ Åœ ûå ˆÅ ½ ˆ½Å ˆÅ Š ] í Š ú ÿ ˆ ÅŠ ˆ½Å ³Åœ Ÿ Ê ˆÅ ½ Ÿ ½ ú ˆÅ Ÿ í Ÿ \ Ä 2 ˆÅ ž ú ½ Ê Ÿ Ê ] ú ú ú º š º³Å ˆÅú Š ƒä í œ 7.4 ½ ½ ] ú ú ú ˆ½Å Ÿ š Ÿ ½ ˆÅ ] ½ íÿ Ÿ \ Ä 2 ˆÅ ˆºÅ ½ ½ Ê Ÿ Ê ] ú ú ú ½ ½ Ê ˆÅ œ 27. í í Š ú ½ Ÿ ˆÅ Ä ] ú ú Š ú ½ Ÿ ˆÅ Ä ½ ³Åœ ½ Š í ½Ÿ Š íˆå Ê ˆ½Å ˆÅ Š ] í ÿ ˆÅŠ ˆ½Å ³Åœ Ÿ Ê íÿ ú œ í í, ] ½ œ ½ œ ˆÅ ½ Æ Åœ ž ½] ½ íÿ ƒ ˆÅ Ä ˆÅ ½ ž úä ˆ½Å ˆÅ Š ½ ½ ] ½ õ ] ˆÅ í ƒ ˆÅ Ä ˆÅ ½ ˆ½Å ƒœ ˆÅ ˆ½Å Åœ ž ½] ] ˆÅ í ƒ œ í ˆ½Å Ä 2 5 Ÿ Ê œ ½ Š ˆÅú œ ½µ ú ˆ½Å Š Ä íÿ Ê ˆÅ Á\ œ º ˆÅ œ œ íº í ½ Ÿ ½] Ÿ Ê À ú Ä Å ú ½] íˆå ú ûåœ ú ½ Ÿ ½] Ÿ Ê ½]» Ÿ œ í Š íˆå ÿˆå ½ Ê ˆ½Å œ œ ½ Ÿ Ê ˆÅ ûå ½ ú ½] í ûåûåú» Ÿ ž ] ÿ ˆ ÅŠ œ œ Ê ˆ½Å Š Ä œ š ˆÅ ƒä ] ½ ú ½ íÿ, ] ½ íº š ˆÅ Ÿ ½Š Ê \\ Ÿ ½ Æ Ê œ œ ˆÅú ] ú í ƒ š Ÿ Ê íÿ ½ ½ Ÿ ½] Ÿ Ê ½ Ê» Ÿ Ÿ Ê ½ œ ½ \\ Ÿ ½ Š íˆå Ê ˆ½Å ˆÅ ½ ˆÅú ³Åœ ½ ˆÅ ˆÅú í ½ ú ƒä Æ Æ» ûå Ÿ ½ º³Å ˆÅ Š í ƒ Ÿ, ˆ½Å ú Æ Š Š íˆå íú ƒ ˆ½Å œ íÿ, œ º íÿ ƒ ½ ú íú ƒä ˆÅ Á œ ½ ½ Ê Ê ˆ½Å ž ú º³Å ˆÅ ÊŠ ½ ] À ½ ˆÅ œ ½œ Ÿ Ê íÿ ] ˆ½Å Ÿ š Ÿ ½ ½ œ ˆÅ ½ ˆÅ ˆÅ œ ˆ½Å Š íˆå º ˆ½Å íú í íú 64 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

67 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES the entire gamut of services from this Channel. These include cash withdrawal, cash deposit, mini statement, balance enquiry, PIN change, donations, payment of fees, and passbook printing, among others. The Bank has also introduced Dynamic Currency Conversion (DCC), a value-added facility for foreign MasterCard holders, whereby cardholders get the market currency conversion rate, while withdrawing money at domestic ATMs. The Bank has introduced GREEN PIN during the current year. Under this facility, a customer can generate ATM PIN through INB, SMS and Bank s Contact Centre without having to go to the branch for hard copy of the ATM PIN. 3,000 ATMs have been brought under electronic surveillance during the year. We are also planning to cover another 10,000 ATMs under electronic surveillance during Our ATMs reflect the Social Accounting perspective of the Bank in more than one way. More than 1,153 ATMs during have been enabled as Talking ATMs for Visually Challenged customers and every new machine added comes with this feature ab initio. The total number of Talking ATMs as on 31st March, 2016 has gone up to 9,753. Caring for the physically challenged is our priority too. About 3,734 of our ATMs have ramps to facilitate easy access for physically challenged people. Wherever possible, ramps and / or side railings are being provided. Over 1150 of our ATMs are on solar power back-up and this number is growing. SWAYAM We have rolled out more than 6,691 SWAYAMs (Barcode based Passbook Printing Kiosks) at our branches and onsite/offsite lobbies. Using these kiosks, customers can print their passbooks on their own using barcode technology. We are planning to roll out more SWAYAMs in Green Channel Counter (GCC) Green Channel Counter is another innovative step towards paperless Green Banking for deposit, withdrawal and funds transfers within the Bank. GCC facility has been rolled out at all our retail branches as on March On an average 7.40 lakh transactions are being routed through GCC every day. The percentage of GCC transactions was 27.6% of the total transactions as on March Green Remit Card (GRC) Green Remit card is our initiative towards paperless banking, especially for those non-home customers who send frequent remittances to their families. The Card can be mapped to a single account number of the beneficiary and money can be remitted by just swiping the card at the counter. This initiative won us SKOCH Award under Technology Products Category in Wealth Management: SBI Exclusif Financial Planning Advisory (FPA) & Wealth Management Scheme (WMS) initiative is a win-win both from customer s as well as Bank s perspective. FPAS and WMS are services made available under the bouquet digital banking product offerings as it gels well with the HNI segment. In this regard, we have designed, developed and launched SBI Exclusif, a unique suite of Wealth Management Services (WMS), for our high net worth customers. At present, only resident individual customers are eligible, but we shall be rolling it out to NRIs and Corporates/ Trusts shortly. Digital: The way to go To sum up, customer satisfaction is just one aspect of our endeavor to Go Digital. With >3,700 ATMs with Easy Access For Physically Challenged People State Bank of India Sustainability Report

68 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š Š íˆå ˆÅ ˆ½Å, ] ˆÅ Ä ú ½ íÿ Ê œ ú ˆÅ Ä Ÿ œ ˆÅ [õ ½ Ÿ Ê Ÿ Ÿ ½Š ú Š íˆå ˆÅú íº ú ˆÅ Ê ˆÅ œ ] ½ ½ \ ] í ƒ Ÿ íÿ ƒ ˆÅ ] ½ œ ½Š š º ˆÅ ½ µ ˆÅ ½, œ» Ä ºŸ ½ µ œ ˆÅ ½ ƒ íê Ÿ ½ ˆ½Å Š íˆå Ê ˆ½Å ] º õ ½ í ½ ˆ½Å ˆÅ í½ íÿ íú, íÿ ˆÅ ½ µ Ê, œ» Ä ºŸ ½ µ Ê ˆÅ ½ ˆÅ Ä ˆÅ í½ íÿ, ] ½ ˆÅ íÿ œ ½ Š íˆå Ê ˆÅú œ Ê, \ Ä œ Ä, ] ˆÅú, œ ½ûÅ ƒ ½ µ Ê ˆÅ ½ ½ ½ œ µ Ê ˆ½Å ˆÅúˆ Å ˆÅ ˆ½Å ƒ ½ Š íˆå ô»å š Áû Å Ê ˆ½Å Ÿ š Ÿ ½ ˆÅ Æ Š œ ½Æ ºž ˆÅ ž ú š ] ˆ½ÅŠ Ÿ º ƒä Ÿ ½ ú ƒä ƒ \ ˆ½Å ºž ž ˆ½Å Ÿ ú ƒä œ š Š Ä ½ Ä ½ ˆ½Å ú ƒä Š Ä Ÿ ú ú º Ÿ ] 66 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

69 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES changing customer profile, digital strategy will help us enhance our efficiency and productivity. The vast amount of customer preference that gets captured in the form of digital data is currently being used by us to develop advanced analytics and predictive analytics tools and to understand and stay tuned with customers. Simultaneously, we are implementing real-time analytics and predictive analytics to integrate transactions systems with that of preferences, spending patterns, demographics, profile of our customers. This would enable provision of a personalized user experience through customized and relevant offers. Hon ble RBI Governer Shri Raghuram Rajan with SBI Management and the Board Members at sbiintouch-mumbai State Bank of India Sustainability Report

70 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š >150 ½ ½ ž ú œ º ½ íÿ ½ š ž ú ½ ˆ½Å 4 4 ½ ÿ ˆ ÅŠ ž ˆÅú ½ ˆ½Å º [õ ž Ê Ÿ Ê ½ ˆÅ í ž ú ½ ú ƒä œ» Ä úä ƒÿœ ú ÿˆå ÁûÅ ƒ ˆ½Å ú\ š 5 ½ ½ š ˆÅ œ º ½ íÿ íê Æ ˆÅ ½ œ ˆÅ íÿ ½ ˆÅ Ä, ŸŸ Š ˆÅú í ½ œ ˆ½Å] º³Å ˆÅ ˆ½Å, º» ˆÅ ½ Ê Ÿ Ê ƒä Ê ú Ÿ Ê ˆÅú º Å ˆÅ ˆ½Å ú ˆÅ ĈŠœ Ê ˆ½Å Ÿ š Ÿ ½ Ÿ ú œ Ê ½ Ÿ ˆÅ ˆÅ Ÿ ÄˆÅ Ê ˆ½Å ] ú ˆÅú Š ºµ Ÿ Ê ºš ˆÅ ˆ½Å ƒ ˆÅú Ÿ» ž» Ÿ Š Ê ˆÅ ½ œ» ˆÅ ½ ˆÅ íÿ ½ œ ˆÅ í í µ ˆ½Å, ½ Ÿ Ê Š ½, ˆÅ Š ½í ŵ \ œ ½ Ÿ Ê Š ÊŠ Ÿ Ê íÿ ú íÿ \\ Ê œ íº ˆÅ ½ Ê Ÿ Ê ú Š ½í ] Ÿ Š Ä œ,99 ûåú ˆÅú \ ƒä œ Ÿ Ê œ» Ä ÆˆÅŸ Ÿ Ê 4, 4 ûåú ˆÅú \ ƒä œ» Ÿ Ê íÿ ½ ú Ÿ Š ½ íº íÿ ƒ ú Ÿ Ê ˆÅ íº š ˆÅ œ š œ ˆÅ ] í Ÿ ½ œ ˆÅ ½ ˆ Å ½ Ÿ Ê Ÿ Ê ˆÅ ½ Ÿ ½ ƒ ú Ÿ ½ º³Å ˆÅú Š ƒä í Æ Ÿ Š Ê ˆÅ ½ œ» ˆÅ ½ ˆ½Å Æ ½Ÿ Ê ½í», Ÿ ½, Ÿ, Ÿ Ÿ º œ ˆÅ ½ ˆ Å ˆ Å ½ Ÿ Ê Ÿ Ê ƒä ½ ú Š ƒä í ú ] ú ˆºÅŸ, œ š ½ ˆÅ ú ÿ ˆ ÅŠ Ÿ»í Ÿ ½ ˆ Å ½ Ÿ Ê Ÿ Á œ Š ˆÅ œ ½Æ Ÿ Ê ˆÅ ú ƒä Š ½ ] Ê ˆ½Å œ Ê ˆ½Å ½ ½œ ÿ ˆ ÅŠ ƒ ˆ½Å Æ, íÿ ½ ƒä Á ], ú Ÿ Ê Ÿ ½ ƒ ú Ÿ Ê ˆÅú º Å ˆÅ ˆ½Å ] Ê ˆ½Å œ Ê ˆ½Å œ ú ½ ½œ ÿ ˆ ÅŠ ˆÅ ž ú ˆÅ í í íú Ÿ Ê ú, ˆÅ 4 ] ú 2 ˆÅ ½ ˆÅ ½ Ÿ Ê Ÿ úä ûå ˆ½Å œ Ÿ º ] ú í, œ ú ú Ÿ,» ƒä Ÿ, ú Ÿ, ú Ÿ, ú ú ƒä Á ú ˆÅ ] Š ňŠˆÅ Ä ÅŸ À ÿ ˆ ÅŠ ú œ š ÿˆå ½ ú œ š œ Ê ˆ½Å š ˆÅ Ê, ÿˆå ˆ½Å ] Ê ˆ½Å œ Ê ˆÅ ½ ˆÅ ½ ˆ½Å ƒ ˆ½Å íÿ ½ ½ Ê ½ \ \ Ä ˆ½Å Ÿ š Ÿ ½ ] Š ³ÅˆÅ ˆÅ Ä ÅŸ ˆÅú º Å ˆÅú í 68 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

71 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES 4.4 DEFENCE SERVICES BANKING The Armed Forces of India are one of the strong pillars of the nation. The bonds between the Indian Armed Forces and the SBI (erstwhile Imperial Bank) date back to more than 150 years. Providing them personalised service is a matter of duty, honour and pride for us. We have endeavoured to meet these basic demands by introducing defence salary package, by opening new branches and ATMs in remote and difficult areas and by improving quality of life of defence personnel, in partnership with military establishments, through CSR activities. For example, we have branches in Tangtse, Kargil and Leh in the Ladakh region and Tawang and Tenga in Arunachal Pradesh. Our ATMs in Dras (10,990 ft) on Srinagar-Leh highway and Nathu La (14,140 ft) in North East Sikkim are located in some of the most inhospitable terrains at high altitudes. These ATMs are maintained at very high availability. ATMs. A special mobile ATM service has been launched in Delhi, Meerut and Pathankot Cantonments recently. New branches have been opened in Clement Town (Dehradun), Meerut, Amritsar, Mamun (Pathankot) and Secunderabad Cantonments to cater to the additional demand. Inauguration of branch in RAM Shopping Complex, Meerut Cantonment by Shri Rajnish Kumar, MD (NBG). >150 Years of Bonding with the Indian Armed Forces Inauguration of E-lobby by General Dalbir Singh, PVSM, UYSM, AVSM, VSM, ADC, Chief of the Army Staff at Veterans Directorate on 14 January SBI TANGTSE (LADAKH) Doorstep Banking for Soldiers and Families In addition, we have also extended our doorstep banking for soldiers and their families through the opening of e-lobbies and ATMs and mobile Awareness Programme: Banking and Financial Management The Bank has launched an awareness programme for Defence Forces to educate officers, other ranks and their families on financial management through structured talks by our experts on the subject. State Bank of India Sustainability Report

72 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š ½ Ÿ ú ˆÅ Ê ˆ½Å œ Ê ½ íÿ ½ œ œ º ˆÅ íÿ ½ ] ˆÅŸ Ÿ Ÿ Ê ½ í ½ ½ íÿ œ ú Ÿ ú ½ ˆ½Å ] ½ œ ºµ ½ œ œ ˆÅ ½ íÿ, í ƒûå Ÿ Ê íê \ ½] Š ½ ½ ˆ½Å œ Äœ íú í Ÿ úä ½ ž ˆ½Å Ê Ÿ Ê ˆ Åœ» ½ ˆÅ ˆ½Å œ Ÿ µ œ œ ÅŸ º³Å ˆÅ íÿ ÿˆå ½ ˆ Åœ» ˆÅú œ ˆÅ ½ ˆ½Å ˆºÅ ûå ½Ÿ ½ Ä ½ ] Ÿ ½ ˆ½Å Ê Ÿ Ê ˆ Åœ» í ˆÅ œ ˆÅ µ œ š ˆÅ íÿ Ÿ ½ ] Ÿ ½ ½ ½ Š ˆºÅ» Ÿ ½ ˆ Åœ» œ ½ ú ˆÅ Ÿ ú ˆ Å ½ Ÿ Ê Æ ú Š ú ƒ ˆ½Å íÿ ½ œ ½ ˆÅ œ í íÿ ú ˆ Å ½ Ÿ Ê œ Ê ˆÅ ½ œ Š, ú Š Ä, Š ½], \\ Ê ˆ½Å œ ˆÅ ½ ˆ½Å ½ œ ˆÅ µ ˆÅ ˆ½Å œ ˆÅ ½ ˆÅ ˆÅ ˆÅ ½ ˆ½Å š œ š ˆÅ ˆÅ ˆ½Å ˆÅ Ÿ Ê ˆ½Å ž Š ú ú ˆÅ í Ä 2 Ÿ Ê Ä ½ ú ½ Š ½ ˆÅ ½, í Ÿ Ê ú ƒä œ ½ œ ˆÄÅ Ÿ ú ½ ˆÅ À íÿ ½ ˆÅ ˆ½Å º ˆºÅ 2.34 Ÿ ú ½ ˆÅ Ê ½ œ ½ œ Ê ½ íÿ ½ œ ½ íÿ íÿ ˆÅú ˆÅ Ê ˆ½Å œ ½ ú íÿ ž ú œ Ê Ê œ» ½ ½ Ÿ Ê ½ ] í ½ ½ ú ž» œ» Ä ˆÅ Ê ˆÅú Ê Ÿ Ê Å ½ ž Š ½ ½ íÿ 7.75 œ Ê Ê ˆÅ ½ 3 Ê ˆ½Å ˆÅŸ Ÿ Ÿ Ê ÿˆå œ Ê ˆÅú Å.,4 5 ˆÅ ½ õ ˆÅú ˆÅ ] ú ˆÅú Š ƒä ž ú ½ ÿˆå Ÿ Ê ž œ Ä ˆÅ Ê ˆÅ ½ ½] Š ž» œ» Ä ˆÅ Ê ˆÅ ½ ½] Š ˆ½Å œ š ˆÅ ½ Ÿ Ê ž ú ½ ÿˆå íÿ ½ Š ½ í í œ ½ ú ½ Ÿ Ê ž ú ½ ÿˆå ½ ž ½ µ Ê Ÿ Ê ˆºÅ 3 25 ž» œ» Ä ˆÅ Ê ˆÅ ½ ½] Š œ š ˆÅ í ú ƒä ˆÅú í ½ œ œ Š ½ ûå ˆÅ Ä ˆÅú ú ˆÅ ½ íº ž» œ» Ä ˆÅ í º ˆÅ Ê ˆÅ ˆÅú í º ú ˆ½Å ŸŸ õ ƒä Ÿ Ê Ÿ ½ Š ˆÅ Ê ˆÅ ½ ŸŸ ½ Æ ˆÅ Ê ˆÅú ½ ž ˆÅ ½ ˆ½Å œ ½ˆÅ Š Š ˆÅ ˆÅ ˆÅ œ Ÿ ˆÅ Ä í ˆ½Å Ê ˆ½Å ŸŸ Ÿ Ê, ÿˆå ˆ½Å ú Ÿ ½ ˆÅ ½ œ ˆ½Å Ÿ º, Ÿ º ˆ½Å ½ œ ˆÄÅ Ÿ Ê ˆÅ Ÿ ½Ÿ ½ ˆÅ Ÿ ĵ ˆÅ ½ ˆ½Å š œ š ˆÅ ƒä í ˆÅ ½ œ ž ú ½ ˆÅú ˆÅ õ ˆ»Å ½ ƒˆå ƒä í, ] ½ œ ˆÅ ˆÅú õ ƒä ˆ½Å í º ú ˆ½Å ½ˆÅ Ä ] ú ½ íÿ 70 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

73 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Skill Development Our soldiers retire young. The skills that they develop during their military service are inadequate to give them suitable employment in civil life. The Army has initiated certificate courses in computer basics in various centres. The bank has provided computers and peripherals in some formations and regimental centres for establishing Computer Labs. Computer Lab in Madras Regimental Centre, Wellington (Conoor) Environmental Development Military Cantonments are a reflection of our dream of Clean and Green India. Our cantonment branches partner with the defence establishments in their upkeep by donating saplings, tree guards, garbage bins, play equipment for children parks and by providing funds for development of new parks. New Park Funded by SBI in Artillery Centre Golconda, Hyderabad in 2016 Military Veterans: The Cynosure of our Eyes A total of lakh military veterans have their pension accounts with us. We are sensitive to their requirement and actively participate in all the pension adalats and Ex-Servicemen rallies conducted across the nation. The OROP arrears of Rs. 1,465 Crore were released to 7.75 lakh pensioners in a record time of 30 days. Employment of Ex Servicemen in SBI SBI has always been a forerunner in providing employment opportunities for ex-servicemen. A total number of 3025 ex-servicemen have been employed by SBI in different categories over the last 3 years. Ferrying of ESM by Golf Carts donated by SBI Honouring the Bravest of the Braves Honouring the soldiers who have been killed in action and looking after the disabled soldiers is a sacred duty of every organization and citizen of the country. In recognition of their sacrifices, the Delhi Circle of the Bank funded the construction of a memorial in the Yodha Park at Mathura, the Headquarters of 1 Corps, which is a Strike formation of the Indian Army and has won a number of gallantry awards during the wars with Pakistan lakh Veterans have Pension Account with us State Bank of India Sustainability Report

74 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š Ÿ º Ÿ Ê ½ œ ˆÄÅ 18.0 ] Ê ˆ½Å ½ ½ ž ú ½ ÿˆå ˆ½Å œ Ä 2 5 Ÿ Ê ½ Ê ] ½ˆÅ ½, ] ú ½ ú ˆÅ ½ œ ú œ Ÿ í œ, Ÿ º Ÿ í œ š ˆÅ, ú œ š ˆÅ Ä, ú Ÿ ½ œ ˆÄÅ ˆÅ ½ Š íˆå Æ ] íÿ ½ ½ Š íˆå íÿ í º ˆÅ ½ ˆ½Å ˆÅ ½ ˆÅ Ÿ ˆÅ ] ú œ ˆÅ Ê, ž ú ½ ÿˆå ½ œ ½ ˆÅ œ Ÿ º ˆÅ ĈŠœ ˆ½Å ³Åœ Ÿ Ê, ƒ ½ Æ ˆÅ ˆ»Å Ä íú \ ½ Ä ˆ½Å íê ĈŠŸ ˆÅú ½ Ê ] œ ú ž, œ ú ú Ÿ, ú Ÿ ½, íˆå, ÿ ˆ ÅŠ 5 Ÿ \ Ä 2 5 ˆÅ ½ ]] Ÿ Ê Æ ] Ê ˆÅ ½ ƒ ½ Æ ˆÅ ˆ»Å ˆÅú \ ú ÿœ ½ íº ½ Ê ] œ, ú Ÿ, ú Ÿ, ƒä Ÿ, Ÿ ] ú ½ ú ƒ ú µ ú ˆÅŸ µ œ ºµ ½ Ÿ Ê ˆÅ Æ ] ˆÅ ½ ú ƒä œ š ˆÅ ƒä Š ƒä ƒ ½ Æ ˆÅ íú \ ½ ÿœ ½ íº ú Ä œ ú ÿˆå ] ] íÿ Ê œ ÿˆå Ÿ ½ íÿ ú ĈŠú Š íˆå Ê ˆ½Å ³Åœ Ÿ Ê ÿˆå ˆ½Å œ ˆÅú ûå ú ú í ½ˆÅ ½ ] ] í Ê ½ œ» Ä Ÿ Ê œ ½ ½ ÿˆå Ê Ÿ Ê ˆÅ ½ ½, ½ œ ½ Ê ˆÅ ½ ú ƒä Ÿ Ê ûå ˆÅ \ í ½ íÿ Š ž Š 8. ] íÿ ½ œ œ ½ ½ ½ ½ íÿ íÿ Ê í ˆÅ íÿ ½ º³Å ˆÅ Š ˆÅ ĈŠœ Ê ˆ½Å \ ú œ ž ½, ú ĈŠŸ Ê, ½ ˆÅú ½ Ê ˆ½Å íÿ ½ š ž ú Š í ½ í ÊŠ ½ 4 5 ½ Ÿ í í œ ˆ Å ˆÅ œ Ê ˆ½Å ˆÅ µ ½ ú œ Ê ˆÅ Ÿ Ÿ Ê ž ú ½ ÿˆå ½Š Ê ˆÅú í ˆÅ í í Ÿ µ Ê Ÿ Ê ˆºÅ ½ ½ Ê ˆÅ µ Ä ˆÅ Š í, ] Ÿ Ê íÿ ½ œ ž ½Š Ê ˆ½Å ú Æ Š í ˆ½Å ³Åœ Ÿ Ê ½ Ê œ ˆÅ ½ í ½Š í 72 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

75 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Yodha Park at Mathura Inauguration of Yodha Park by Lt. Gen Ashok Shivane, GOC 1 Corps and Shri Pallav Mohapatra, CGM, Delhi, Circle 2015 Special Customers Differently-abled soldiers are our special customers. To ensure that they lead a comfortable life, SBI has, as one of its activities, donated electric scooters and wheel chairs to them. Lt. Gen PS Bhalla, PVSM, AVSM (Retd.), Advisor,Defence Banking, SBI handing over keys of electric scooters to disabled soldiers at Jhajjar on 15 March 2015 Lt Gen Bipin Rawat, AVSM, VSM, YSM, SM GOCin-C Southern Command handing over electric wheel chair donated by SBI to a disabled soldier at Pune. SBI is the preferred choice Soldiers today perceive us as My Bank and their loyalty to the bank, as long-term customers, is unshakeable. A number of veterans who had earlier shifted/opened their accounts with other banks now want their accounts to be transferred to SBI. There are nearly lakh soldiers who have salary accounts with us. We are confident that the cumulative effect of the activities undertaken by us will, in the long run, further deepen our bonding with the Defence Forces of the country. 4.5 DISASTER RELIEF IN INDIA AND ABROAD SBI has been consistently supporting people through difficult times and in distress caused by natural calamities. The following sections elaborate a few such occasions where we have contributed both in terms of financial and personal aid to the affected people lakh Soldiers have Salary Account with SBI State Bank of India Sustainability Report

76 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š ž ˆÅœ œ ú Ê ˆÅú í ] ú 2 1 Ÿ Ê Ÿ œ º Ÿ Ê ž ˆÅŸœ í í ] ú 2 Ÿ Ê, œ» úä ] Ê Ÿ Ê ½ ˆÅ ], Ÿ µ œ º Š ž ú ž»ˆå œ ˆÅú \ œ ½ Ÿ Ê Š ½ˆÅ ž Ÿ ˆÅ Š Š ½ˆÅ ½Š Ê ˆÅú ] Ê \ ú Š ƒä íÿ ½ ž»ˆåÿœ œ ú õ Ê ˆ½Å º í ˆÅú Åœ ˆÅú ˆÅ º œ š ˆÅ ƒä ú ½ ƒÿûå úÿ ž»ˆåÿœ œ ú õ Ê ˆÅ ½ œ ˆÅ ú í œ š ˆÅ ½ íº ú ƒä ˆÅú ˆÅ Š œ ½Æœ ú Ÿ µ œ º ½ ˆÅ Š œ ½Æœ ú, í ], Ÿ µ œ º Ÿ Ê ž»ˆåÿœ ½ œ ž Æ Ê ˆÅ ½ Ÿ Š ú ˆ½Å ³Åœ Ÿ Ê í Ÿ Š ú ˆÅ µ ˆÅ º ú. ˆ½Å. Ÿ ú ƒä, Ÿ ú Ÿ ] ˆÅ ˆÅ µ í ½Š Ÿ ú, Ÿ µ œ º ˆÅ ˆÅú œ Ÿ Ê ú ½ ƒÿûå úÿ ž»ˆåÿœ Ÿ Ê Ÿ ½ Š Æ ˆ½Å œ ] Ê ˆÅ ½ í ˆ½Å ³Åœ Ÿ Ê \ ½ˆÅ ºœ º Ä ˆÅ ½ íº ú ½ ƒÿûå ½ ƒä Ÿ, í Á œ, ƒÿûå Ÿ Ê ½ ½ Š í Ÿ Ê ž»ˆåÿœ œ ž ½Š Ê ˆÅú ƒ ˆÅú ú ƒä ˆÅú ˆÅ Š œ ½Æœ ú ž»ˆåÿœ œ ú õ Ê ˆÅ ½ Ÿ Š ú ˆ½Å ³Åœ Ÿ Ê º í œ š ˆÅ ½ íº 74 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

77 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Earthquake Relief in Manipur, January 2016 In January 2016, one of the North Eastern states, Manipur reeled under a severe earthquake. Many buildings/houses collapsed and several deaths were also reported. We made immediate relief arrangements and provided essential items worth Rs 10 lakh to the quake victims. Team RBO Imphal providing Emergency Relief to the Earthquake Victims Hoping Quake Victims SBI Kangpokpi Branch (Manipur) distributing relief materials in the form of food grains to Earthquake affected victims at Kangpokpi Area, Sadar Hills District, Manipur. Team RBO Imphal handing over relief to the family members of a person who died in the Earthquake in presence of Kum. A K Mirabai Devi, Hon ble Minister, Social Welfare & Cooperation, Govt. of Manipur RBO Imphal Team distributing medicines to the earthquake affected victims at the Relief Camp opened at RIMS Hospital, Imphal SBI Kangpokpi branch providing immediate relief to the earthquake victims with food grains. State Bank of India Sustainability Report

78 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š ½ Ä Ÿ Ê œ ú Ê ˆÅú í Ä 2 15 Ÿ Ê ½ Ä Å º ˆÅ úœ º Ÿ ˆºÅ ½ ] Ê Ÿ Ê í í ú ƒä \ ½ ƒä Ÿ ½ 2 5 ˆ½Å \ ½ ƒä Ÿ Ê [õ œ ú õ Ê ˆÅ ½ í œ ˆÅú Ê, ú ½, œ ˆÅ ˆÅ Ä Ê ú œ š ˆÅ Ä ½ Ÿ ½ Ê œ ˆÅ ˆ½Å ½Š Ê ˆÅú ½, Ÿ ½ ƒ ú Ÿ, œ ú ½ Ÿ ú Ê ˆ½Å Ÿ š Ÿ ½, ˆ½Å œ ˆ Å œ Áƒ ˆ½Å Ÿ š Ÿ ½ ˆÅ ú ˆÅ ˆ½Å ÿ ˆ ÅŠ ½ Ÿ ] ˆÅ ½ œ ˆÅú [õ í œ Ê ˆ½Å ³Åœ Ÿ Ê, ú ƒä ½ ] ˆÅ \ ˆÅ ž Š ˆ½Å í ½Š ½ ž úÿ Ê ˆÅ ½ û Å ½ ½ ½ˆÅ ½ ˆ½Å ˆÅ ˆÅ œ ˆ½Å ³Åœ Ÿ Ê í Ê ˆ½Å Ÿ š Ÿ ½ [õ œ ž ½ Ê Ÿ Ê ú \ Š œ ˆÅ µ ˆÅ ú Ÿ ½ º, Ÿ º Ÿ í œ š ˆÅ, ú ] ú., ú ú. ƒ º ½, Ÿ í œ š ˆÅ, Ÿ Ê ú ú., œ Ÿ í œ š ˆÅ Ÿ ˆÅ š ˆÅ ú Ÿ º ˆ½Å [õ œ ú õ Ê ˆ½Å í í ˆ½Å ³Åœ Ÿ Ê Ÿ º Ÿ ú í ˆÅ ½ í½ º Å. ˆÅ ½ õ ˆÅ \ ½ˆÅ ºœ º Ä ˆÅ ½ íº ú ƒä, ] ú Š ˆÅ ûå œ ú ½ Ÿ ú ˆ½Å Ÿ š Ÿ ½ [õ ˆ½Å íÿ ½ Š íˆå Ê ˆÅ ½ ˆÅ ú µ ˆÅ ½ íº [õ œ ž Ê œ ˆ Å œ Áƒ Ê ˆ½Å Ÿ š Ÿ ½ [õ œ ž ½Š Ê ˆÅ ½ ˆÅ ú µ Ÿ ½ ƒ ½ ˆ½Å Ÿ š Ÿ ½ [õ œ ž ½Š Ê ˆÅ ½ ˆÅ ú ˆÅ µ 76 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

79 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Flood Relief in Chennai, Tiruvallur, Kancheepuram and Cuddalore districts, 2015 SBI Chennai Circle extended a helping hand to the flood victims in Chennai during December Branches, RBOs, Administrative Offices and Local Head Office rendered assistance to specific and general public both by banking service by way of distribution of cash through boats, mobile ATMs, PoS machines, through cash point at their places of residence and other social services. As part of flood relief measures SBI in coordination with Department of Public Health & Preventive Medicine distributed bleaching powder to the flood affected areas through vans as a preventive step to control spread of various diseases. Helping Flood Victims in Chennai Shri Ramesh Babu, CGM, Shri G.Ravindranath, Shri D. Indu Sekhar General Managers, along with Shri V. Sasindran, DGM & CDO handing over cheque of Rs.1.00 Crore to Chief Minister s Relief Fund, Tamil Nadu, as part of relief measures to flood affected victims of Tamil Nadu. SBI, Balaji Nagar Branch dispensing cash to our customers during the flood, through PoS machine. Cash disbursement to flood victims through Cash points at flood affected places Cash distribution to the flood affected victims through mobile boats State Bank of India Sustainability Report

80 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š Å œ ú Ê ˆÅú í ú ƒä, \ ½ ƒä Ÿ ½ [õ œ ž ½Š Ê ˆ½Å ž ˆ Å œ ½ ] ˆÅ ˆÅ Ÿ ˆÅ ½ Š ú ú Š Š Ÿ ú œ ˆ½Å ³Åœ Ÿ Ê íÿ ½ Ÿ ½ ƒ ú Ÿ ˆÅú ˆÅú ƒ ˆ½Å ú ƒä ˆ½Å ž ú ˆÅŸ Ä\ ú í Ÿ Ê ûå ûå ƒä í ˆÅ ½ í½ º Ÿ ] ˆ½Å ž í œ ˆÅ ½ Ÿ Ê ] º Š íÿ ½ Ä] ˆÅ Ê œ ˆÅ\ ½ ˆ½Å [½ í ˆÅ ûå ûå ƒä ˆÅú Š ½ íº œ ½ õ ˆÅ ˆÅ ˆ½Å Äš œ í ˆ½Å Ÿ Š Ä œ ˆÅ ] ³Å Ÿ ½Š Ê ˆÅ ½ ˆºÅ í œ ˆ½Å ˆÅ Š \ Å ˆ½Å ˆÅ 5 \ Æ Ê ˆÅ ½ ˆ½Å œ ÿˆå õú ˆÅŸ ˆÅ Š ú ƒä, \ ½ ƒä Ÿ ½ [õ œ ž ½Š Ê ˆ½Å ž ½ œ ú ½ ˆÅú º Ê Ê ˆÅ µ ˆÅ [õ œ ž ½Š Ê ½ ³Åœ ½ Ÿ í Ê \\ Ê ˆ½Å Ê ûå ûå ƒä š ú Ÿ Š Ê ˆÅ µ ˆÅ ½ í \ ˆÅ ˆ Å Ÿœ ½ ] ˆÅ Š œ Ÿ Ÿ Ê 2 15 Ÿ Ê Å í 2 Æ» 2 5 ˆÅ ½ œ Ÿ ˆ½Å œ» úä œ íº íº \ Å, ] ½ ž» œ» Ä íú Ÿ \ ½ íº í ˆ½Å ] ] ú ˆÅ ½ ˆÅ Š ž Š ž ú ½ Ê ˆ½Å ûå í ½ ] ½ ˆ½Å ]» ÿˆå ˆÅú Š ½ ½ íº íº í ˆ½Å ú ƒä 2 ˆÅ ½ õ Åœ ˆÅ \ ½ˆÅ ºœ º Ä ˆÅ ½ íº ˆÅ Ÿ ú Ÿ Ê 2 14 Ÿ Ê í œ ˆÅ 2 4 Ÿ Ê ] ŸŸ» ˆÅ Ÿ ú ] Ÿ Ê ž ú Ä íºƒä, ] ˆ½Å ˆÅ µ œ [õ ½ ½ íú Ÿ \ Š ƒä 35 ½ š ˆÅ Š  œ» ú í ½ ] Ÿ Š í ½ Š 22 ½ š ˆÅ Š  ˆÅ ³Åœ ½ œ ž íº 5 ½ š ˆÅ Æ œ ž íº ž ½] œ ú ˆ½Å û Å ½ í½ ] Ÿ ½ Ÿ Š [õ í œ Ÿ Ê œ ½ ½Š ˆ½Å ³Åœ Ÿ ½ íÿ ½ ÿˆå Ÿ º Ÿ ú í ˆÅ ½ ] ŸŸ» ˆÅ Ÿ ú Ÿ Ê 2 ˆÅ ½ õ Åœ Š œ ž ½ Ê Ÿ Ê Ÿ \ ˆ½Å íÿ ½ ú ú ú Ÿ ú ˆÅú ˆÅú íÿ ½ œ ú ˆÅ Ÿ Ê [õ í ½, ] Ÿ Ê ³Åœ ½ œ œ íºƒä 78 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

81 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES all the services collapsing, many branches of the Bank started functioning on the very next day. As a proactive measure, we arranged for a mobile ATM. SBI, Chennai Circle conducted various Health camps for the flood affected victims. This apart, all SBI staff members resolved to involve themselves in providing whatever relief possible to the general public in restoring cleanliness in the city. We cleaned public places by removing piled up garbage and cutting off fallen trees to pave way for smooth flow of traffic. Food packets were distributed for some days for the needy people. Sarees and blankets were distributed by the Bank to about 500 under-privileged people at their residences immediately after the cyclone. Helping Cyclone & Flood Relief Victims SBI, Chennai Circle, distributing various food items and medicines to the flood affected victims Medical camps were arranged including free distribution of medicine & sanitation materials to flood affected people especially to women and children. Cyclone Relief in Visakhapatnam, 2015 HudHud cyclone that hit East Coast of Visakhapatnam on 12th October, 2015 left behind an unprecedented devastation throwing all walks of life out of gear. In spite of almost SBI handing over Rs. 2 Crore as donation for HudHud relief Flood Relief in Kashmir, 2014 The State of Jammu & Kashmir was devastated with unprecedented floods due to heavy rains during September More than 350 villages were completely submerged and more than 2200 villages were partially affected. More than 5 lakh people were affected and were stuck without food and drinking water. Our Bank donated Rs. 2 Crores to Chief Minister Relief Fund (J&K) as our contribution to the State s overall flood relief efforts. We arranged for the VSAT machines to make parallel arrangements for communication in the affected areas. We also opened a flood relief account at one of our Branches wherein generous donation was collected. State Bank of India Sustainability Report

82 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š ½œ Ÿ Ê ž ˆ Åœ œ ú Ê ˆÅú í ½œ Ÿ Ê 25 œ 2 15 ˆÅ ½ ž ˆ Åœ ˆ½Å Ÿ ½œ ú Ä ÿˆå Ÿ ½ Ÿ ] ˆÅ ÿ ˆ ÅŠ œ í ½œ ú ƒä ÿˆå Ÿ ½ œ í ÿˆå, ] ½ 25 œ 2 5 ˆÅ ½ ˆÅ ú ž»ˆ Åœ ½ ˆ½Å Š ½ ½ íú ÿ ˆ ÅŠ ½ œ ž ˆÅ ú ÿˆå ú Ÿ íú ½ ˆ½Å ½Š Ê ˆ½Å œ Š Ÿ ˆ½Å Ÿ ½ ƒ ƒä Ÿ ˆÅ º š œ ˆÅú Š ƒä Ÿ Ê Ä 2 13 Ÿ Ê œ ˆ Å ˆÅ œ í Ÿ Ê ]» 2 3 ˆÅ ½ ˆÅ Ÿ ˆÅ œ ˆ Å ˆÅ œ Š ƒä ˆÅ ½ Æ ú í í ½ ½ œ íº ½ Ê œ ž ½] ˆÿÅœ ˆÅú ˆÅú Š ƒä ÿˆå ½œ Ÿ Ê œ š Ÿ ú œ í ˆÅ ½ ˆ½Å ½ Ÿ Ê Ä š ˆÅ Å. 2 ˆÅ ½ õ ½ š ˆÅ ˆÅ ˆÅú Š ƒä ½œ ú ƒä ÿˆå œ ž œ Ê ˆÅ ½ í Ÿ Š ú ˆÅú Š ƒä œ ³Åœ ½ í ú Š ƒä Å œ Š Ÿ ½ íÿ ú ˆÅ Ê ú \ ½ ] œ š ˆÅ Ê ˆ½Å Ÿ ˆÅ Å..43 ˆÅ ½ õ ˆ½Å ú ½ ½ Š íÿ ½ ú Ÿ ˆ½Å Ÿ ú Ÿ º Ÿ ú ˆÅ ½ 2 ˆÅ ½ õ Åœ ˆÅ \ ½ˆÅ Š 80 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

83 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Social Banking initiatives by Nepal SBI Bank Ltd. (NSBL) during the Earthquake on 25th April 2015 in Nepal Nepal SBI Bank Ltd. was the first bank to resume banking services from the very next day of the devastating earthquake that hit Nepal on 25th April, It provided mobile INR Exchange counter facility for three months to help the transit of people. Helping Earthquake Victims in Nepal Natural Calamity Relief in Uttarakhand, 2013 An unprecedented natural calamity struck Uttarakhand on 16th June, Once the connectivity was restored, food camps were organised at several places. The Bank also collected the highest amount (over Rs. 12 Crores) in Nepal for Prime Minister s Disaster Relief Funds (Earthquake) Account. NSBL distributed relief materials and extended physical support to distressed and affected families. Our currency chest branch in Rudraprayag exchanged soiled notes for an amount of Rs Crore with District Authorities. A cheque of Rs. 2 Crore was handed over to the Honourable Chief Minister Uttarakhand by our Delhi Circle. State Bank of India Sustainability Report

84 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š Ÿ í ˆÅ >65,000 Ÿ í ½ ½ Ä œ ˆÅ Ÿ Ê ž Š 4 Ÿ í ˆÅ Ÿ í Æ ˆÅ µ œ š ˆÅ š ½ ½ ˆ½Å íÿ ½ ÿˆå Ÿ ˆÅ Ÿ Š í À ˆÅŸ ] ½ µ Ÿ í ˆÊÅ í Ÿ»í Ê ˆÅ ½ Ÿ ƒ Å ½ ½Å œ ½ Ÿ í ˆÅŸ Ä\ ú Ÿ Ê ˆÅ œ ú õ ˆ½Å š Ÿ Ê ˆÅ ½ƒÄ ˆÅ í ½ ½ ˆÅ ú µ ˆÅ ½ ˆ½Å» í ú ˆÅú ú œ ˆÅ Ÿ Ê ˆ½Å š œ ½ í ˆÅ ½ œ ˆ½Å ˆÅ Ä œ Ÿ í ˆÅ ½ ˆÅ Ÿ í ˆ½Å ] \ ˆ½Å Ÿ š œ ˆÿÅœ Š œ Ÿ º ˆÊÅ Ê œ ˆÿÅ ˆ½Å ĈŠŸ ú ƒä œ ˆÅ Á œ ž ú ˆÅ ] Š ³ÅˆÅ ˆÅ Ä ÅŸ ½ ] ˆÅ œ» ˆÅ œ œ ˆÅ ½ ú Ÿ í ½ ˆÅú 87 Ÿ ˆÅ œ œ ˆÅ ½ ú Ÿ í ½ ˆÅú œ ˆ½Å ˆÅ Ä œ µ œ ½ Š ˆ½Å Ÿ Ÿ ½ ˆÅú ú Ä œ ˆÅ º ƒ ½ Ä ûå ½ ú Ÿ í 3 5 ˆÅ ½Ÿ ú õ ˆÅ ½] ˆÅ ] í ƒ ˆÅ ½ˆÅ œ Ÿ œ ˆÅ Á í í 2 2 Ÿ Ê œ ž ˆÅú Š ƒä ú œ ˆÅ ˆ½Å ½, ˆÿÅ ˆ½Å ½ Ÿ Ê ] Š ³ÅˆÅ ˆÅ œ ½ œ ½ œ Ê ˆ½Å ] ú ú œ ½ ˆ½Å š ˆÅ š ˆÅ Ÿ í Ê ˆÅ ½ œ ½ í ˆÅ Ä ˆ½Å íÿ ½ ÿˆå ½ ÊŠ» Å \ ½ Ÿ Ê œ ˆÅ Á ˆÅ œ ½] ˆÅ ˆÅ ½ Ÿ Ä œ ˆÅ Ÿ í Ê ˆ½Å ˆÅ Á œ ½ ½ Ê, ƒä ú ½ íº ú ˆ Åœ Ê ˆÅú,5 ½ š ˆÅ Ÿ í ƒ õ Ÿ Ê ŸŸ íºƒ ˆÅ Ä ÅŸ ˆÅ ú œ œ ˆÅ œ \ œ ˆÅ Š \ ½ Ÿ Ê íÿ ½ ÿˆå ˆÅú 2 ½ š ˆÅ Ÿ í ˆÅŸ Ä\ ú ˆ½Å š ú ƒ õ Ÿ Ê Ÿ íº Ä ½ ú ƒä œ ˆÅ Á ˆ½Å ú ĈŠœ ½] ˆÅ í ƒ œ ˆÅ ƒ ˆÅ Ä ÅŸ ˆÅ ½ ú ƒä œ ˆÅ Á ˆÅ Ÿ Š Ÿ í õ ½ ] º õú í œ ˆÅ Á Š Ÿ ]» í ½ ú Š ƒä ½ Ä ˆÅú š Ÿ Ê í ˆÅ ûå ½ ˆ½Å ³Åœ Ÿ Ê œ í ½ \ ºˆÅú í ƒ ˆÅ ½ œ ½ Ê íú Ä] ˆÅ íÿ Ä 2 5 Ÿ Ê 5, ½ š ˆÅ íú Ÿ í Ê Ÿ Ê ƒ õ Ÿ Ê ž Š 82 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

85 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Women Empowerment WOMEN EMPOWERMENT For more focus on women empowerment, our Bank has initiated many steps such as: Lower interest rates on home loans Micro-credit finance to women-centric Self Help Groups Increase in our women employee workforce Adopting zero tolerance policy towards sexual harassment with an aim to resolve such complaints, if any, as soon as possible Encouraging Sabbatical leave to develop their skills Supporting women to get posted where their spouses are posted Organising women s health check-up camps on a regular basis Organising annual marathon SBI Pinkathon, an effective educational/ awareness programme regarding breast cancer, at major centres Number of Women availing maternity leave, 87 Number of Women availing Sabbatical leave Number of Transfer/ Posting with spouse SBI Pinkathon United Sisters Foundation has been organising an International All Women s 3km/ 5 km/ 10 km Run popularly known as Pinkathon, which was started in December Objectives of Pinkathon: Creating awareness about health, fitness and Breast Cancer. Encouraging more and more women to adopt a fitter lifestyle for themselves and their family members. During the year , our Bank supported Pinkathon at Bangalore and Chennai as the presenting sponsor. Over 11,500 women from Corporates, IT Sector and MNCs, among others, ran for the cause with huge local publicity and wide visibility. Over 1,200 women employees and their kin from our Bank also participated in the Chennai run. SBI was the Title Sponsor for Pinkathon from Year , as such the event was called as SBI Pinkathon >65,000 Women Ran the Pinkathon in Pinkathon, the all women run, has grown from strength to strength and has been a runaway success within two years of launch. The scale and scope of Pinkathon is amazing. More than 65,000 enthusiastic women participated in the run during State Bank of India Sustainability Report

86 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š >18,700 íú ½ >17,900 ½ œ Ê ˆÅ ½ Š ú Ä œ ˆÅ ˆÅú ½ ú ½ 45 Ä ½ š ˆÅ Ÿ ˆÅú ž ú íž Š Ê ˆÅ ½ Ÿ º Ÿ Ÿ ½Š Ÿ œ ½ˆÅ íž Š ú ˆÅú ] Â\ ½ š ú œ Ÿ Ä ÄˆÅ ³Åœ ½ ˆÅŸ ] ½ Š Ä ˆÅú Ÿ í Ê ˆÅ ½ í ½Š ˆÅ ½ ½ ž Š ˆÅ ú Š Ê Ê ˆÅ ½ ˆÿÅ ˆÅú ] Â\, œ úä œ \ œ º Ä ˆ½Å í ž ú ½ ÿˆå œ ˆÅ ˆ½Å ½] ˆÅ Ê ˆÅ ½ Ä ˆ½Å ˆºÅ 4 3 ˆÅ ½ Åœ ˆÅú œ ½] ˆÅ ž ºŠ ˆÅú Š Ä Ä ˆ½Å œ ˆÅ ½] ˆÅ Ê ˆÅ Š ½ ½ ˆÅ Ä ž ú œ ˆÅ Á íž Š Ê ˆ½Å œ µ ž ú í Ê Ÿ Ê í Ÿ Ê œ ˆÅ Á \ œ ˆÅ õ ½ ú œ ˆÅ í½ º ˆÅ Ÿ 2, Š Ÿ úµ š Ä í ú Ÿ í Ê ˆÅ š õ ˆÅ ½ ˆ½Å ˆÅ œ µ 5 õ ˆÅ Š ú œ ˆÅ Á ½œ µ ž 7, Ä Ÿ ½ ˆºÅ 5 ˆÅ ½ Åœ ˆÅú ú Ä œ ˆÅ œ Ä ˆÅú Š Ä 4 Š ˆÅ ½ Ÿ Æ Æ Ê ˆ½Å ½] Š ˆ½Å Ÿ ˆÅ ˆÅ ½ ˆÅú íÿ ú \ ˆ½Å íÿ Ê í½ ˆ½Å Ä 2 5 œ ˆÅ Š íÿ ½ œ ú ú ] ˆÅ ˆÅ ž Š Æ Æ Ê ˆ½Å ˆÅ ½ í½ º ž ú š Ä ˆÅ í ƒ ] ˆ½Å Š Ä ú Š ƒä ÄˆÅ í ˆÅ œ ½Š Æ Æ Ê ˆ½Å ˆ»Å Ê Ÿ Ê º š Ê ˆ½Å ˆÅ ] í íÿ ½ Æ š ˆ»Å Ê Ÿ Ê ˆ»Å í, ƒ Å Æ\ í œ ½Š ú Ÿ Š ú œ š ˆÅ ƒä í Ÿ ž Ÿ Ê œ Ê Ÿ Ê íú \ ½ ½\ œ š ˆÅ ½ ˆÅ ˆÅ Ä ÅŸ ˆÅ í ƒ ž ˆ½Å Š Ä, œ ½ˆÅ ½ ú ˆÅ Ä ˆÅ ½ œ ½ œ \ ½ Ÿ Ê 5 íú \ ½ 5 ½\ œ Ê Ÿ Ê œ š ˆÅ ½ ˆ½Å» \ ˆÅ Š í ƒ ú œ ½] Ÿ Ê ûå œ» ½ Ÿ ½ 휻 ĈŠž Š ½ ½ ˆÅ œ µ Ÿ í íº ˆÅ ÿˆå ½ ½ ž Ÿ Ê ½ˆÅ œ Ê Ÿ Ê 8,7 íú \ ½ 7,958 ½\ œ š ˆÅ ƒä ÿˆå ½ ƒ œ í œ 8. ˆÅ ½ õ Åœ \ Ä ˆÅ ƒ œ í ˆÅ ½ ˆÅ Á œ ½ ½ ] Š, Ÿ ú, ˆÅ, º ½ Ÿ Ê ˆÅ Ä \ ½ ½ Š Ê ½ ˆÅ ûåú í œ œ íºƒä Ä 2 5 Ÿ Ê ÿˆå ½ Ÿ ˆÅ ½ ˆ½Å œ ] ú ½ ˆÅ ½ 5.4 ˆÅ ½ õ Åœ ˆÅú ÄˆÅ í œ ˆÅúÀ Š ž Š 4,2 ž Ä Ê ˆÅ ½ ˆ Å Ÿ Š, ˆ Å œ Ä, Å\ ½], íú \ ½ œ ˆÅ µ Ê ˆÅ µ ˆÅ Æ Æ Ê ˆÅ ½ í ˆÅ œ ˆÅ µ ƒ Ê ˆÅ µ ˆÅ Æ Ÿ í Ê \\ Ê ˆÅ ½ ƒ ƒˆå, µ í ˆÅ œ ˆÅ µ Ê ˆÅ µ ˆÅ Ÿ ˆÅ ú ˆÅ ³Åœ ½ \ º úœ»µ Ä Æ Ê ˆ½Å Ÿ º š œ º Ä ½] íÿ ÿˆå Š Ê ˆ½Å š ˆÅ Ê ˆÅú Š Ÿ ˆ½Å µ ˆ½Å œ ½ í ˆ½Å Š ½ [õˆå ˆÅ Ä ˆÅ í í ƒ š Ÿ Ê íÿ ½ ˆºÅ œ ƒ œ ˆÅ íÿ À š Š íˆå Ê ˆÅ ½ ½ ú ˆÅú œ, ÁˆÅ ƒ ½ ÿ ˆ ÅŠ ˆÅú º š œ š ˆÅ ƒä Š ƒä íº š Š Š íˆå Ê ˆ½Å ú\ œ íºâ\ œ ˆÅ íê ½ ½ Ÿ ºí ˆÅ ƒä Š ƒ Š Ê ˆÅ ½ íÿ ½ œ ½ ˆÅ Ä Ÿ Ê Ÿ ˆÅ ½ ÿ ˆ ÅŠ ½ Ÿ Ê ˆ½Å ž ½ ž í Ÿ Ÿ ½ ˆÅ œ ˆÅ í ÄŸ Ÿ Ê íÿ ú ûå Ÿ Ê Š Ê ˆÅ œ Š ž Š. 3 í 84 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

87 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES Unique Deliverables of SBI Pinkathon: Free mammograms for all participants above 45 years. Medical check-ups and breast health counselling for every participant. Aid to various NGOs and Institutes rendering support to women from economically underprivileged sections for detection of cancer and post treatment rehabilitation. Rs 4.30 Crore - Total Sponsorship Amount paid by SBI in FY to organisers of Pinkathon Unique Projects undertaken by Pinkathon organisers in FY On-going Training for all Pinkathon Participants HAR Ghar mein Pinkathon - in all cities Swachh Pink Udaan - Initiative on sanitary napkins (aim to target 20,000 rural and semi-urban women) Vocational training for visually impaired girls (target 500 girls) Green Pinkathon Tree plantation initiative (target 70,000 trees) Rs 5 Crore - Total Spend on SBI Pinkathon in FY EMPOWERING THE DIFFERENTLY ABLED We were awarded the Hellen Keller Award 2015 for our commitment towards promoting equal employment opportunities for persons with disability (PwDs). We also earmark a proportion of our CSR budget to contribute to PwDs. Donations under this budget span across utilities for PwD schools to medical care facilities. In FY , we provided school buses/ vans, infrastructure support and educational accessories to schools for the physically/ visually challenged. A pan India program of donation of wheelchairs and stretcher trolleys to hospitals serving underprivileged masses was rolled out. Under this campaign, each Regional Business Office was asked to donate at least 50 wheel chairs and 50 stretcher trolleys to hospitals in their area of operations. The wholehearted and enthusiastic participation by the staff in this CSR Project has resulted in donation of 18,761 Wheel Chairs and 17,958 Stretcher Trolleys to a large number of hospitals across the country. Bank has spent an amount of Rs Crore on this initiative. The initiative was highly acclaimed by the corporate world, media, Government, Charitable Organisations, etc. working in health care. In FY , the Bank also donated Rs Crore to reputed NGOs for: Distribution of artificial limbs, callipers, crutches, wheel chairs, and others, to approximately 4,200 beneficiaries Distribution of other aids and devices to disabled persons Distribution of tricycles and Hearing aids to disabled women and children Community Based Rehabilitation project for mentally /physically challenged persons Our Bank always has been at the forefront for Protection and Promotion of the Rights and Dignity of PwDs. Some of our initiatives are: Braille Key Pads, Lockers and INB facility for visually impaired customers and accessibility and special services to customers with multiple disabilities Including differently-abled individuals in our workforce and finding novel ways to make their integration into the banking sector seamless. Around 1.3% of our current workforce are differently abled individuals. >18,700 Wheelchairs & >17,900 Strechers Donated to Hospitals State Bank of India Sustainability Report

88 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š `1,147 ˆÅ ½ Åœ ˆ½Å Ÿ ] ˆÅ Åœ ½ œ ú ] Ê ˆÅ ½ íÿ ½ š µ Š ûå Ê ˆ½Å ] ½» Ÿ ˆÅ ˆÅ ½ ½ ˆÅ Š í íÿ ½ Š ž Š 42 ž Ä ½ ˆÅ ½ ˆ Å Ÿ Š, ˆ Å œ Ä,, íú \ ½ Ä Ÿ Š ú ˆÅú íÿ Š Ê ˆÅ ½ íÿ ½ œ ˆÅ µ š Š íÿ ½ Š Ÿ í Ê \\ Ê ˆÅ ½ ƒ ƒ ˆÅ µ š œ ˆÅ íÿ Ÿ ˆÅ ú ˆÅ ³Åœ ½ Š Ê ˆ½Å íÿ ½ Ÿ º š œ º Ä œ ½] º³Å ˆÅú í íÿ ½ œ ½ Ÿ ] ˆÅ ½ Ê ˆ½Å Š Ä Š Ê ˆÅ ½ ½ í 4 \ Š ˆ Å ˆÅ ž ú ½ ÿˆå Ÿ ] ˆÅ ³Åœ ½ œ õú ] Ê º» \ ], º» \ ] ], œ õú ] ˆ½Å ½Š Ê ˆ½Å ĈŠˆÅ µ ˆ½Å ½ í ½ œ í ½ í œ í ½ œ ½ œ \ ˆ½Å Š Ä» œ ½ Š ˆ½Å ž ú ÿˆå ½ ˆºÅ µ ˆÅ 5 ½ 2 œ ž Š Ÿ í Ê Ÿ ] ˆÅ ³Åœ ½ œ õú ] ˆ½Å ½Š Ê ˆÅ ½ í Ä 2 5 Ÿ Ê º» \ ], º» \ ] ], œ õú ] ˆ½Å ½Š Ê ú Š ƒä µ [õˆå Å., 47 ˆÅ ½ õ Åœ í ½ Š ƒä í íÿ ½ ûå Ê Ÿ Ê ½ Š ž Š 43.8 œ ˆÅŸ Ä\ ú Ÿ ] ˆÅ ³Åœ ½ œ õ½ Š Ä ˆ½Å íÿ í ½ ú œ ½ \ ½ Ÿ Ê íºƒä í, ] ½ íÿ ú ˆÅ Ÿ ˆÅ ˆÅ Ä ú Ê ˆÅ œ µ Ÿ í ˆÅ š Ÿ ] ˆÅ ½ ˆ½Å Š Ä \\ Ê ˆÅ ½ œ í œ ˆÅ ú íºƒ Ÿ í œ ½ Ÿ ] ˆÅ Ÿ í ½ ˆÅ ½ 9% 12% 18% 16% 18% 20% 20% 20% 20% 20% 12% 7% 7% 7% 7% 9% Ÿ Ÿ ƒä œ Æ ˆÅ µ µ 86 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

89 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES A specialised software JAWS for differently-abled, visually impaired and hearing impaired staff members Distribution of artificial limbs, calipers, crutches, wheel chairs, and others, to approximately 4,200 beneficiaries Distribution of other aids and devices to differently-abled persons Distribution of tricycles and hearing aids to differently-abled women and children Community Based Rehabilitation project for mentally/ physically challenged persons Earmarking a proportion of our CSR budget to contribute to PwDs 4.8 FOCUS ON DISADVANTAGED SECTIONS The Bank promotes the economic well-being of backward social castes SCs, STs and OBCs in two ways through its operations and within the organization. Between 5% to 20% of all the loans were disbursed to women and individuals belonging to socially backward castes. The total amount of loans disbursed to backward social castes has been on the rise. In , SCs, STs and OBCs were given Rs. 1,147 Crore. About 43.8% of our employees currently belong to socially backward castes. A consistent increase in the number, over the last four years is an outcome of our affirmative action policies. `1,147 crore Loans Disbursed to Backward Social Castes Chairman donating gifts to special children under CSR activity Loans to Women and Backward Social Groups 9% 12% 18% 16% 18% 20% 20% 20% 20% 20% 12% 7% 7% 7% 7% 9% MSME Trade Personal Loan Home Loan State Bank of India Sustainability Report

90 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š 1,426 Š ] í½ ú Ä ˆÅ œ Š ½] ˆ½Å Š Ä œ Š 4 Ÿ ½ ˆÅ ú Æ ˆÅ ] ú ºš ½ Ÿ Ê ˆÅú íº õú ž» Ÿ ˆÅ í ½ ú í í Ÿ ] ˆÅ ˆÅ ˆ½Å Ÿ š Ÿ ½ Ÿ ] Ÿ Ê œ Ä ½ ˆÅ ˆÅ œ ž ú š í ½ ú í ÿˆå ˆÅ íÿ ½ í œ í í ˆÅ», ºŠ ÄŸ ˆÅ ½ Ê Ÿ Ê í ½ ½ ˆÅŸ ] ½ Ÿ ] ˆÅ Š Ä ˆ½Å ½Š Ê ˆÅ ½ ½ Ÿ Ê í ú ] ƒ ½ Ÿ Ê íÿ í ½Š ƒ œ ˆÅ í í À º š íú \\ Ê ˆ½Å ˆÅ Ÿ í ºš ½ ˆ½Å ÅŸ Ÿ Ê ûå úä\ ˆÅ Ÿ Š ú œ š ˆÅ Ê Ÿ Ê º ˆ½Å Ÿ ½ ] œ» úûå \ ˆÅú º š œ š ˆÅ ú º š Ê ˆÅ ½ [õ ½ ˆ½Å ÅŸ Ÿ Ê Ê œ š ˆÅ \ ž ˆ½Å í ûå ƒä ˆ½Å ½ Ÿ Ê ˆÅ Ä ˆÅ ½ ½ œ Š ˆÅ ú Š Ê ˆÅ ½ ÄˆÅ í œ š ˆÅ ûå ˆ½Å œ ž ú \\ Ê ˆÅ ½ œ ˆÅ 4 1 Š Ÿ ½ Š Ÿ úµ š Ä í ú ½ Ê Ÿ Ê ÿˆå ˆÅú Ê ú Ÿ Ê ˆÅú Ÿ ½ íºƒä í ÿˆå íú Š Â Ê Ÿ Ê ÿ ˆ ÅŠ ½ ½ ½ ˆ½Å íÿ ½ ÿˆå ½ íú ÿ ˆ ÅŠ ˆÅú š µ ˆÅ ½ œ í í Á ƒ ˆÊÅ Ê Ä ÿˆå Ÿ ˆÅ ½ ½ œ Ê Ê ˆ½Å Ÿ š Ÿ ½ œ \ ˆÅú ] ú í, ] ½ š ž» ÿ ˆ ÅŠ ½ œ ˆÅ ½ ˆ½Å ÿˆå œ š ˆ½Å ³Åœ Ÿ Ê ˆÅ Ä ˆÅ ½ íÿ ˆÅ úˆå š Æ\ Ä œ úÿ Ê ú Ä ½» ú ˆ½Å œ ½ˆÅ š ˆÅ ˆÅ ½ ½ Ÿ ½ ƒ ûå ½ ½ Ÿ ½ ƒ ÿ ˆ ÅŠ º š œ ˆÅ ] ½ ˆÅ ž ú œ í ú Ÿ ½ ˆÅ ½ [õ ½ ˆ½Å Ÿ ½ ƒ Á ½ ˆÅ ž ú œ ž ú œ ½Š ˆÅ ] Š œ š Ÿ ú ] š ½] ˆÅ œ ˆÅ Ÿ ˆ½Å ³Åœ Ÿ Ê ˆÅ ] í, ˆÅ ž ú Š ˆÅ Ê ˆÅ ½ ˆÅ \» ú ˆ½Å ž ú ˆ½Å í ˆÅ ] ½ ½Š ú ½ Ê ˆÅú ˆÅú ] ˆ½Å ú Ä ˆÅ œ Š ½] œ»µ Ä ú Ÿ ½ ˆ½Å ½ ½ í ½] Ä ½ Š» íºƒä í í ½] íÿ ½ œ ½ ˆÅ Š  ˆ½Å ˆÅ ½ ½ˆÅ œ ž ˆÅú Š ƒä ú ˆÅ ˆºÅ,42 Š Â Ê ˆÅ ½ ˆ½Å Ÿ Š ˆÅ í½ º œ ] \ ºˆÅ í Ÿ ÿˆå ½ ½ íº ½ Š ˆÅ ú Š Ê ˆÅ ½ í œ ˆÅ í í, ] ½ í Ÿ»í Ä \ ˆÅ Ÿ»í Ê ˆ½Å Š ˆ½Å ˆÅ Ÿ ½ Å í½ íÿ ÿˆå ƒ í Ÿ»í Ê ˆÅ ½ Ÿ œ œ Äœ Ÿ Ÿ Ê µ ½ ½ ˆ½Å ˆ Å ˆÅ œ í, ˆÅ š Ä Ê ˆÅ º ˆÅ ] ˆ½Å Š ½, õú Ÿ Ê ˆÅŸ º ˆ½Å ½Š Ê ˆ½Å ú\ œ ú œ íºâ\ ½ ˆ½Å ÿˆå» Ÿ Ê Š ˆÅ ú Š Ê í Š ÿ ˆ ÅŠ ú ˆ Åœ ½, ] ½» Ÿ Š š Ê Ÿ Ê Š íÿ, ˆÅ ½ ž ú ú º š ½ í í, ˆÅ í Ÿ»í Ê ºÆ ½ Ÿ»í Æ Š ³Åœ ½ Ê ˆÅ ½ ž ú µ œ ˆÅ ] ˆ½Å Š Ÿ ú í ½ š Ä í ½ Ÿ ½ ½ Š Ÿ ú ú Ÿ ½ ˆÅ œ 38% 38% 38% 38% 36% 43% 48% 48% ˆºÅ ½ ˆÅú ˆÅú ½ ½ ˆÅ ºœ ˆºÅ ú Ÿ ½ ˆÅú ˆÅú ½ ú Ÿ ½ ˆÅ ºœ ž ú ½ ÿˆå í ú œ ½ Ä 2 5

91 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES 4.9 EDUCATION: INVESTING IN THE FUTURE GENERATIONS Education plays a vital role in improving the standard of life of an individual and is viewed as an effective tool for bringing social change through community development. The Bank always strives to support education of weaker social groups in remote, unreachable and underdeveloped areas. Our contributions in this field include: Furniture and educational accessories to improve the learning environment of underprivileged children Water purifiers and toilets to ensure health safety at schools Buses to improve school facilities Donation to reputed NGOs working in the area of sanitation under `Swachh Vidyalaya Campaign` Scholarship to the meritorious children of our employees 4.10 RURAL SECTOR The number of branches and ATMs has increased in rural and semi-urban (RUSU) areas. To serve the villages with no Bank branch, our Bank has adopted the concept of branchless banking. This is operationalized through online fixed points - Bank Mitras (Business Correspondents) - who act as representatives of the Bank to provide basic banking services. Mobile banking facility with Unstructured Supplementary Service Data (USSD) based technology is also proposed to be provided to every account holder with low-end mobile phones. Mobile wallets would also be effectively utilised to deepen Financial Inclusion. PMJDY, to be executed in the Mission Mode, envisages provision of affordable financial services to all citizens within a reasonable distance. SBI Ka Apna Gaon Scheme The scheme is in force since with the objective of total financial inclusion. The scheme kicked off with a target of one village per region. So far, a total of 1,426 villages have been adopted for their overall development. Micro Credit The Bank has been supporting many NGOs who are active in the formation and development of volunteer groups known as Self Help Groups (SHGs). The Bank is committed to timely and adequate credit to SHGs in order to ensure upliftment of the poor. Further, to increase its outreach to a large number of low-income people, the Bank is also financing MFIs/NGOs including NBFCs engaged in microfinance activities, for on-lending to SHGs/JLGs and Individuals. 1,426 Villages Adopted under SBI Ka Apna Gaon Scheme Percentage of Branches (Rural) and ATMs in RUSU 38% 38% 38% 38% 36% 43% 48% 48% Proportion of branches by total no. of Branches Proportion of ATM by total no.of ATMs State Bank of India Sustainability Report

92 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š >`102,000 ˆÅ ½ ˆ Å Ä 2 1 Ÿ Ê 4 11 ˆ Å ž ú ½ ÿˆå ½ Ÿ Ê ˆ Å ÿ ˆ ÅŠ ˆ½Å ½ Ÿ Ê Š» í í íÿ ½ ½ úˆ Å ˆ Å ˆÅ ú ú ] ú š µ ˆÅ ºž ž ˆÅ Š Ÿ úµ š Ä í ú ½ Ê Ÿ Ê œ ½ ½ ˆÄÅ ˆ½Å ˆ Å µ Ê ˆ½Å µ Ÿ Ê íÿ Ä ³Åœ ½ ½ ˆÅ ½ í½ íÿ ÿˆå ½ ƒ ˆÅ ½ Ÿ í ˆÅ \\ Ÿ» í ƒä ½ˆÅ ˆ Å œ ½] ½ ˆÅ ˆ Å œ ˆÅ µ, ½ ½Æ Á ] ú, ˆ Å Ÿ» ˆ Å œ µ š ˆÅ \ ˆÅú œ ½] º³Å ˆÅ ½ ½ œ Ÿ Ê ˆÅ š Š í ƒ ž ½ Ê ˆÅ ž ½ ˆ½Å ÿˆå º ½ ] ú ½ ƒ ˆ½Å í ½ í í ˆÅ ú œ í œ œ ˆÅ ½ µ Ê ˆÅú Š ú ˆ½Å ˆÅ œ ½ ½ Š ] ½ õ ˆ½Å í œ ½ µ ˆÅ ½ [õ ] í ½í Š ºµ ˆ½Å ž œ ˆ Å Ÿ» Ê ˆ½Å œ ½ µ, ˆÅ œ ½ ½ Ê ˆ½Å ˆ½Å Š ] ½ õ ˆÅ ž ½ œ ½ š ] í íÿ ½ œ Ÿ º ½ ½ ú»š Š ú œ ½] º \ ƒä œ ½] ˆ Å œ µ š ˆÅ \ ½, Ÿ ˆ½ÄÅ Ä, Ÿ ½Š ûºå œ ˆÄÅ Ÿ Ä ] ˆÅ Ÿ ĵ í 4 12 Ÿ º Ÿ Ÿ Ÿ Ÿ Ÿ ] ž Ÿ Ê ÄˆÅ ˆÅ» œ Ÿ º œ í»» Ÿ, º Ÿ š Ÿ Ÿ ˆÅ í ƒ Ÿ Ê ˆÅ ½ œ ½ í ½ ½ ½ Æ ˆÅ ˆÅ ½ í ½ íú í, íú Ÿ Ê ½ ˆÅú ] í íÿ µ ½ˆÅ ƒ œ Å ˆÅ Ÿ Ä ˆÅ ½ íÿ œ ½ \ ½ Ÿ Ê íÿ ½ Å..42 ˆÅ ½ õ ˆ½Å ½ ½ ½ š ˆÅ µ  ½ íÿ 4 13 ½] Š ] ½] ½ ½ š ˆÅ ˆÅŸ Ä\ Ê ˆ½Å íÿ ½ Ÿ Ê ½ š ˆÅ ˆÅ Ä ½ ½ Ê Ÿ Ê ½ ˆÅ íÿ íÿ Ÿ œ ˆÅ ½ ½ ½Æ ž ú íÿ íÿ ½ ˆÅ Ä Ÿ Ê Š, Ÿ ] ˆÅ Ÿ»í Ê Š Ê ˆÅú ½ œ Äœ œ š í úš ½ ¾ œ íÿ ž ˆ½Å ½ õ½ ½Æ Ê Ÿ Ê ½ ˆÅ íÿ œ ˆÅ Ÿ Ÿ š œ ½Š ½ í½, ƒ ½ º ˆÅ ½ ˆ½Å íÿ ½ ˆ½Å ž ú ûå ˆÅ ½ ˆÅ Ä ˆÅ ½ ˆÅ ½ ½ íÿ ˆ Å Åœ ˆÅ ½ Ÿ ½ 102,423 63,936 74,970 86, ž ú ½ ÿˆå í ú œ ½ Ä 2 5

93 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES 4.11 AGRICULTURE SBI has been a pioneer in agricultural banking in the country. We had initiated the concept of specialised Agriculture Development Branches (ADBs). With a large number of branches in rural and semi-urban areas, SBI has been the undisputed leader in disbursal of agricultural credit. The Bank has recognised that setting up of high value/hi-tech agricultural projects has been engaging the attention of entrepreneurs, especially projects covering agro/foodprocessing, bio-technology, agri-value chain, and agri-marketing infrastructure. With a view to responding to these emerging opportunities, the Bank extends support in a planned way to these avenues. Financing under corporate tie-ups is encouraged to capture cash flows and assured repayment of loans. Special thrust is given for financing viable agri-value chains, leveraging tie-ups with corporates, for better asset quality. Other Thrust Areas Dairy Milk Federations Horticulture Projects Micro irrigation Projects Agri-Marketing Infrastructure (including construction of Silos, Market Yards, Mega Food-parks and Terminal Markets) 4.12 MICRO, SMALL & MEDIUM ENTERPRISES (MSMES) Another key driver for economic growth in India has been the Micro, Small and Medium Enterprises (MSMEs). Promoting these enterprises contributes to sustainable growth of the individuals involved and, in turn, the entire country. We support this process by providing loans. We have disbursed over 6 lakh loans in the last four years, amounting to over Rs 1.42 lakh Crores EMPLOYMENT GENERATION & EMPLOYABILITY With over 2 lakh individuals, we have one of the largest workforces in the country. We are an equal opportunity employer. Our workforce has adequate representation of gender, social groups and differently-abled persons. Direct We are one of the largest employers in India. We offer post-retirement job opportunities to ensure that productive and capable human resources continue to contribute. >`102,000 crore Agri Loans Disbursed in FY 2016 Agri Loan Disbursal (Rs Crore) 102,423 63,936 74,970 86, State Bank of India Sustainability Report

94 Ÿ º Ê ˆÅ ] ú ½ Ÿ Ê ž ú ½ ÿˆå ˆÅ ú ½Š >265,000 ž úä ½ œï ½] ú ½ ˆ½Å íÿ ûå ˆÅ ˆÅ œ µ ž ú ˆÅ ½ íÿ œï Ÿ Ÿ ½ Ê Ÿ Ê ž µ Ê ˆ½Å ˆÅ µ íÿ ˆ½Å» š íÿ ƒ ˆÅ µ ½ ½] Š ˆ½Å ž ú ] í ½ ½ íÿ ƒ ˆ½Å íÿ œ ú ž ½ Ê ˆÅú Ÿ Š ˆ½Å Ÿ š Ÿ ½ ½] Š œ ˆÅ ½ íÿ, ] Ÿ Ê ƒ Å Æ\ Ê Ê íÿ ú Ê Ÿ Ê ž œ» Ä Ê œ ½] Ê ½ š ½ ŸŸ íÿ Š Ÿ ú ½] Š œ Ê ˆ½Å Ÿ š Ÿ ½ ] ú ˆÅ ] íÿ ½ ÿˆå ½ Š Ÿ úµ ½] Š œ µ œ ˆÅ íÿ, ] ½ À º ˆÅ, ½ ½ œ ˆÅ ˆÅ ú ½] Š œ µ ˆÅ Ä ÅŸ Ê ˆÅ ½] ˆÅ ½ íÿ, ] Ÿ Ê ž ½] ˆÅú ž ú À º ˆÅ í ½ ú í ½ ˆÅ Ä ÅŸ ½ ž ˆ½Å Š Ÿ úµ º Ê Ÿ Ê Ÿ Ÿ ĵ ½] Š íê Ÿ Ä ½ ˆ½Å ½ ³Åœ ½ ˆÅ Š íÿ Ä Ÿ Ê ƒ œ µ Ê ˆ½Å Ÿ š Ÿ ½ íÿ ½, 3 ˆÅ Ä ÅŸ ½ ] ˆÅ 2, 5, 88 ž Ä Ê ˆÅ ½ œ ˆÅ, ] Ÿ Ê ½,34,3 7 œ úä ˆÅŸ ˆÅ Š íÿ Ä 2 5 Ÿ Ê íÿ ½ 3.4 º Ê ˆÅ ½ œ ˆÅ í ú ž ˆÅ Ä Ê ˆ½Å œ íÿ ½ Š Ÿ úµ ½] Š œ µ Ê ½ 92 ÄŸ ˆÅ ½ ½ œ Ê Ê ˆ½Å ú œ ½ Š ˆÅ œ µ ˆÅ Ä ÅŸ ½ ] ˆÅ íÿ, ] ½ íê µ» ú ž ˆÅ Ä ˆ½Å ³Åœ Ÿ Ê ] ˆ½Å 92 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

95 UNIQUE CONTRIBUTIONS OF SBI IN TRANSFORMATION OF LIVES OF COMMUNITIES We offer skill training to individuals to make them employable. Indirect Through the various loans across sectors, we enable the growth engine. This, in turn, creates employment opportunities. Furthermore, we generate employment via the services we demand, ranging from infrastructure and services for our branches to vendors for various supplies and projects. Livelihood Creation via Rural Self Employment Training Institutes Our Bank has set up 116 Rural Self Employment Training Institutes (RSETIs) which offer free, unique and intensive short-term residential self-employment training programmes with free food and accommodation. This was designed especially for capacity building / self-employment, empowering rural youth across the country. These RSETIs conducted 10,013 training programmes, trained 2,65,688 candidates and 1,34,317 trainees have been gainfully settled in In , we trained 3.41 lakh youth. Training for Debt Recovery Agents (DRAs) RSETIs have conducted three pilot training programmes for 92 existing Business Correspondents to qualify for Debt Recovery Agents (DRAs) Certification. >265,000 Candidates Trained by RSETIs State Bank of India Sustainability Report

96

97 Chapter 5 Business Responsibility Report

98 œ ½ Ä >59,000 ú Ÿ Ÿœ Ä ž Ÿ ½ ž ú ½ ÿˆå ˆÅ íÿ ½ ½ í Ÿ í í ˆÅ ˆÅ \\ ½ ˆÅ Á œ ½ ½ Š ˆÅ ˆ½Å œ ƒ ˆÅ íº õ í, ] ½ Ÿ ] ˆÅ ½ ûäå ÿ ˆ ÅŠ ½ Ÿ œ š ˆÅ ½ ½ ˆÅíú œ í ÿˆå ƒ Ÿ Ê ˆÅƒÄ ƒä œ í ˆÅú Š ƒä íÿ, ] ½ ƒ ˆ½Å ž ú í š ˆÅ Ê, ] ½ ƒ ˆ½Å Š íˆå Ê, ˆÅŸ Ä\ Ê, ˆÅ, ½ ˆÅ Ê ½ Ÿ ] œ š ½ˆÅ ˆ½Å Ÿ ½ ú ˆÅ Ÿ Ê ½Š ˆÅ ] ˆ½Å ƒ œ ½ Ä Ÿ Ê ú ƒä ˆ½Å œ Ê ˆÅ µ Ä ˆÅ Š í, ] ½ ƒ ˆ½Å œ ½ ž ú í š ˆÅ Ê ˆ½Å ] ú Ÿ Ê» Š Ÿ ú ½ ˆ½Å ] ŸŸ ½ ú ˆ½Å ˆÅ ] í½ íÿ œ ½ Ä Ÿ Ê ú ƒä ˆ½Å ½ ú œ \ Ÿ íÿ í ˆÅ Á œ ½ ½ ˆÅ Ä Ÿ Ÿ»í ˆÅú Ÿ ] ˆÅ, œ Ä µ ú ĈŠ] ŸŸ ½ Ê œ ] ú ˆÅ Š ú \ ˆÅ ½Ä Ê ž ú œ ž» Ÿ ½ Ä»\ úˆå µ œ ˆÅ úˆå µ œ ½ Ÿ 2 5 ½ ú»\ úˆå µ Ÿ ˆ½Å Ÿ 34 2 ûå ½ ú ˆ½Å œ œ Å. ú ƒä ú ûå ú ú Ÿ ú 2 5 ˆÅ ˆ½Å œ, ˆ½Å º³Åœ í ƒ Ä \ ú œ ½ Ä ˆ½Å ú ƒä ˆÅ í ú œ ½ Ä ž ú œ ˆÅ ˆÅ í í ƒ œ ½ Ä Ÿ Ê ÿˆå ž ½ Ê Ÿ Ê ˆÅ Š œ Ê ˆÅú ½œ Ÿ Ê ] ˆÅ ú ú Š ƒä í íú ÿˆå ˆ½Å ½ ½ ½ˆÅ ½ ½Š Ê ˆÅ ½ œ ˆÅ ˆÅ Š í, ] ½ Ÿ ] ˆ½Å ½Š Ê ˆ½Å ] ú Ÿ Ê í, ] ˆ½Å í ½ í ž Š ˆÅ À ˆ Åœ ú ˆ½Å ½ Ÿ Ê Ÿ ] ˆÅ ú ú ƒä ½ ˆÅ ½ œ º ½ õ ÿˆå í, ] ½ 2 ½ š ˆÅ ½ ½ ½ ½ ˆÅ í í ƒ ˆÅ ½ ˆÄÅ í, ] Ÿ Ê,784 íÿ ] Ÿ Ê,928 Š Ÿ úµ š Ä í ú ½ Ê Ÿ Ê íÿ ƒ ˆÅ Ÿ Ê ½ õ ú Ÿ ½ ˆÄÅ ž ú í, ] Ÿ Ê ½ ž Ÿ Ê û Å ½ 59, ½ š ˆÅ ú Ÿ Ÿ íÿ ƒ ˆÅ ú ÿ ˆ ÅŠ ½ ˆÄÅ 37 ½ Ê Ÿ Ê û Å í, ] Ÿ Ê 98 ½ ˆÅ Ä íÿ ú ƒä Ÿ»í Ÿ Ê ú ƒä ƒ ˆ½Å œ \ í ½Š ú ÿˆå ½ ÿˆå ÁûÅ úˆå ½ ] œ º, ½ ÿˆå ÁûÅ í, ½ ÿˆå ÁûÅ Ÿ», ½ ÿˆå ÁûÅ œ ½ ÿˆå ÁûÅ µ ˆÅ ½ Ÿ í œ»µ Ä ] ½ Ÿ \ ½ ÿ ˆ ÅŠ, ] ú úÿ, š µ úÿ, Ÿ º\ º û Å ½ ] º õú Š ÿ ˆ ÅŠ º Š ºÆ Ÿ Ÿ íÿ ÿˆå ˆ½Å œ Ê ½ Ê ˆÅ ½ Ÿ ½ ½ œ Ÿ ú œ ˆÅ ½ Š úäˆ Å ˆÅ ] ˆÅ í À ] Ÿ µ Š Ÿ š œ ½ µ Š í ÿˆå ˆÅú Š š Ê ˆÅ ½ ˆÅú ˆÅ Ä ÅŸ ˆÅ Ä Ÿ œ ˆÅ Š ºœ ˆ½Å À ú ½ Š ˆÅ Š úäˆå µ ú ú úÿ Š š Ê Ÿ ĈŠŠ š 2 8 ˆ½Å í Ÿ ˆÅ Š í ÿˆå ˆÅú Š š Ÿ ½ Š ˆÅ Š š ˆÅ ½ ˆ½Å í ú íÿà Ÿ í ½ ú µ 641 Ÿ ˆÅ í ½Š 6419 Ÿ ˆÅ í ½Š 96 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

99 BUSINESS RESPONSIBILITY REPORT Preamble State Bank of India has always believed that, as a true corporate citizen, it has a greater responsibility than just banking to serve the society. The Bank has introduced several initiatives in this direction so that all its stakeholders, like its customers, employees, Government, investors, and society at large are cared for, leading to inclusive development of the nation. This report illustrates SBI s efforts towards creating long lasting value for all its stakeholders in a responsible manner. The Business Responsibility Report (BRR) covers SBI s domestic operations and is aligned with National Voluntary Guidelines on Social, Environmental and Economic Responsibilities of Business (NVG-SEE) released by Ministry of Corporate Affairs, and is in accordance with Regulation 34 (2) (f) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ( SEBI Listing Regulations ) read with SEBI Circular No.CIR/CFD/CMD/10/2015 dated November 04, This year, along with the fourth Business Responsibility Report (BRR), SBI is also publishing a Sustainability Report. This report summarises the Bank s initiatives in various fields and also brings out several unique contributions of the Bank which made a difference to the lives of communities it has been serving. Section A: General Information about the Company SBI, the nation s oldest and largest bank, has been serving the nation for over 200 years. It has a wide network of 16,784 branches, of which 10,938 are located in rural and semiurban areas. It also has the largest ATM network in the world with more than 59,000 ATMs spread across the length and breadth of the country. Its International Banking Network is spread across 37 countries with 198 foreign offices. The SBI Group consists of SBI and its five Associate banks State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore and non-bank subsidiaries/joint ventures for niche business such as merchant banking, life insurance, general insurance, mutual funds etc. The Bank s products & services can be largely categorised under the following three heads: Deposits Loans and Advances Remittances and Collections The Bank s activities are covered under Group K: Financial and Insurance Activities of National Industrial Classification (All Economic Activities)-2008 published by the Ministry of Statistics and Programme Implementation. The Bank s activities fall under the following industrial activity code: >59,000 ATMs Across India Group Class Description 641 Monetary Intermediation 6419 Other Monetary Intermediation State Bank of India Sustainability Report

100 œ ½ Ä ÿˆå ˆ½Å ½ Ÿ Ê ] ˆÅ úà œ ž ú ½ ÿˆå, ½ ÿˆå ž, ˆÅ Á œ ½ ½ ˆÊÅ, Ÿ Ÿ ˆÅ Ÿ ½ úÿ œ Áƒ, Ÿ º ƒä 4 2, ž >`143 ˆÅ ½ Ä 2 1 Ÿ ½ ú œ ˆÅ Š ½ ƒ ƒäÿ ½ ˆÅ œ gm.snb@sbi.co.in œ ½ Ä À ú ½ ] ½ ˆ Åœ ú œ ˆÅ ú í ] ½ º œ Ÿ Ê íÿ Ê ˆÅú ˆºÅ, ] í ˆ Åœ ú \ ˆÅ ] í ˆ Åœ ú ˆÅ Ÿ ˆ½ÄÅ Ÿ Ê ž Š À ˆ Åœ ú ˆÅú ú ] ˆÅ ú íÿ ½ Ä 2 5 Ÿ Ê ú Š š Ê œ Å ˆÅ ½ õ \ Ä ˆÅ œ ½ Ä ˆÅú í ƒ Ä ž ú ú œ \ Ä Å. ˆÅ ½ õ ˆ½Å ˆÅ ½ œ ˆÅ Š ÿˆå ˆÅú ú Š š Ê ˆÅú ] ˆÅ ú ĈŠœ ½ Ä 2 5 ˆ½Å ˆÅ Á œ ½ ½ Ÿ ] ˆÅ ½ ž Š Ÿ Ê ú Š ƒä í ] Ÿ µ Š Ÿ š œ ½ µ Š í ½ Ÿ Ê À ˆÅ ½ 784 ] ½ ž Ÿ Ê 4 Ÿ Ê Ÿ Ê û Å ú íÿ ½ Ÿ Ê À 37 ½ Ê Ÿ Ê 98, ] Ÿ Ê, œ ½,» ÁˆÄÅ, ÿåˆåû Å Ä, ½Æ ½ Ÿ Ê ž ú íÿ ½ ½ Ÿ Ê ½ ú ] íú íÿ À ƒ œ ½ Ä Ÿ Ê Ÿ ] ˆÅú ½í ú ˆ½Å ú ƒä \ ƒä ] ½ ú Ÿ Š š Ê ˆÅú ] ˆÅ ú ú Š ƒä í ƒ ˆ½Å, ˆ Åœ ú š Ÿ 2 3 ˆÅú š 8 ˆ½Å Š Ä ú ƒä ½ ˆÅ ž ú í ˆÅ ˆ Åœ ú ú ƒä ûå ½ ˆÅ ˆÅ 2 ]» 2 5 ˆÅ ½ Š ˆÅ í ú ƒä ûå ½ Ÿ»í ˆÅú ú ˆÅ ĈŠœ Ê ˆÅ š ½Š ú, ] ½ ˆÅ ƒ ˆ½Å Ÿ ˆÅ ½ œ» ˆÅ ] ˆ½Å ƒ ˆÅ Ÿ Ÿ ] ˆ½Å ½ \ Š ½ ˆÅ ½ úš ½ š œ š ˆÅ Ÿ ] ˆÅ ˆÅ ˆÅ Ÿ Ê Š Ê ˆ½Å ž Š ú ú í ½Š ˆÅ ˆ½Å Ä š ˆÅ œ úä úˆ½å ½ Ÿ ½ ú ˆÅ ˆ½Å ˆÅ ½ ˆÅ ½ Š ½ [õ í Ä ˆÅ ] ˆÅ ú À ž ú Åœ ½ ˆÅ ½ Ÿ Ê œ œ» ] ú 776 ˆºÅ 1,91,844 ˆÅ œ ž 9,951 ˆÅ œ ž ˆ½Å œ ˆ½Å ³Åœ Ÿ ½ ˆÅ Á œ ½ ½ Ÿ ] ˆÅ ú 1.10 œ \ Ä 2 5 ˆºÅ ] Ÿ 17,30,722 ˆºÅ Š Ÿ 15,09,500 ˆºÅ 32,40, ž ú ½ ÿˆå í ú œ ½ Ä 2 5

101 BUSINESS RESPONSIBILITY REPORT Other details about the Bank: Address: State Bank of India, State Bank Bhavan, Corporate Centre, Madame Cama Road, Nariman Point, Mumbai , India Website: id: gm.snb@sbi.co.in Financial Year reported: Three services that the Company provides (as in the Balance Sheet) Total number of locations where business activity is undertaken by the Company Markets served by the Company Section B: Financial Details of the Company We spent Rs Crore in on CSR activities. Like the preceding years, this year also the expenditure on CSR has crossed the Rs 100 Crore milestone. Further details of the Bank s CSR activities have been covered in the Corporate Social Responsibility section of the Annual Report Deposits Loans and Advances Remittances and Collections National : branches in India as on spread across 14 Circles International : 198 branches in 37 countries, with branches in London, Paris, New York, Frankfurt, Tokyo etc. National and International This report covers the whole gamut of activities pursued by SBI for the betterment of the society. Furthermore, following Companies Act 2013, SBI has formed a not-for-profit, section 8 company - SBI Foundation - on 26th June SBI foundation will take care of the group s CSR to fulfil its mission which is to make available resources to the most vulnerable sections of the society directly and through strategic partnerships/ collaborations, with impact making entities in the social and development sector, to create inclusive sustainable development in the most transparent way. >`143 crore Spent on CSR in FY 2016 Details for financial year : INR (Crs) Paid-up capital 776 Total income 1,91,844 Profit After Tax (PAT) 9,951 Spending on Corporate Social Responsibility (CSR) as a percentage of 1.10 PAT ( ) Total Deposits 17,30,722 Total Advances 15,09,500 Total Business 32,40,222 State Bank of India Sustainability Report

102 œ ½ Ä ž Š Š À º Š ½ ž Š ú Ê ˆÅú ½ œ Ê Ÿ Ê ž Š ú úà º Š ½ ºÆ Ÿ Ê ˆÅú ] ˆÅ ú ÿˆå ˆÅú ĈŠœ ½ Ä 2 5 Ÿ Ê í ½Š ú º Š ú ĈŠˆ½Å í ú Š ƒä í ÿˆå ˆ½Å í ½Š ú º Š ÿˆå ˆ½Å ½ œ Ê ˆÅ œ»µ Ä Ÿ Ä ˆÅ íÿ ûå ž ú, Ÿ ] ˆÅ œ Ä µ ½ š œ Ê ˆÅ Ä ÅŸ Ê ˆ½Å ½ Ÿ Ê µ Ä í ½Š ú º Š ½ ˆ½Å ½ ½ ] ½ íÿ º \ ˆÅ ] ½ íÿ ž Š À ½ š ] ˆÅ ú ½ ú ˆÅú œ ½ Ê ˆ½Å º ÿˆå ˆÅú œ ½ Ä Ä ½ œ ˆÅ ˆÅú ] íú í í \ ú œ ½ Ä íÿ ƒ ½ ÿˆå ˆÅú ½ ƒ... œ ½ ] ˆÅ í 1 ú ˆ½Å ] ŸŸ ½ ½ ˆÅ ½ ˆÅ Ê ˆÅú ] ˆÅ ú ˆÅ ú ú Ê ˆÅ ½ Š» ˆÅ ½ ˆ½Å ] ŸŸ ½ ½ ˆÅ ½ ˆÅ Ê ˆÅú ] ˆÅ ú ú\ ½ ú Š ƒä í À ú ƒä À Ÿ À ú ] ú ˆºÅŸ ú í½ ˆÅú ] ˆÅ úà Å µ ½. ú ƒä Š» í ½ Ÿ ú ] ú ˆºÅŸ 3. œ Ÿ œ š ½ ˆÅ. ÿ. 4. ½ úûå ½ / ƒä Ÿ ½ ˆÅ œ mdnbg@sbi.co.in 100 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

103 BUSINESS RESPONSIBILITY REPORT Section C: Other Details Participation of Subsidiaries and business partners in BR initiatives: The details of the Subsidiaries, Associates and Joint Ventures are provided in the Bank s Annual Report under the heading Associates and Subsidiaries. The Bank s Associates and Subsidiaries fully endorse the BR initiatives undertaken by the Bank. However, the initiatives and programs on social and environment issues are decided and undertaken by the independent Boards of the Associates and Subsidiaries. The Bank expects and encourages its suppliers/distributors to conduct their business in a responsible manner. Section D: Business Responsibility Information In accordance with the SEBI requirements, Business Responsibility (BR) report of the Bank is being published since This is the fourth report and can be accessed on the Bank s website at 1. Details of Director/ Directors responsible for BR a) Details of the Director/Directors responsible for implementation of the BR policy/policies DIN Number: Name: Mr. Rajnish Kumar b) Details of the BR head: S. No. Particulars Details 1. DIN Number (if applicable) Name Mr. Rajnish Kumar 3. Designation Managing Director (NBG) 4. Telephone number / id mdnbg@sbi.co.in State Bank of India Sustainability Report

104 œ ½ Ä 2 ú] ú ˆ ½Å º ú ú í íú Ÿ Ê æ ˆÅú ú Ä 1 î ú Ÿ ½ Å œï. Æ ÿˆå ˆ½Å œ ½ ú š Ä 9 Ê ˆ½Å ˆÅ ½ƒÄ ú ú íÿ 2. Æ š í š ˆÅ Ê ˆ½Å \ \ Ä ˆÅ ˆ½Å ú ƒä Š ƒä í 3. Æ í ú ú ú Ÿ ˆÅ Ê ˆ½Å º³Åœ í í, ½ ˆÅ ½ Ê Æ ƒ ú ˆÅ ½ ½ Ä ºŸ ½ ˆÅ Š í í, ½ Æ ƒ œ œ š ½ ˆÅ Ÿ ˆÅ úƒä ½ œ ºÆ ½ ˆÅ ½ Ä í ˆÅ Š íÿ Æ ƒ ú ˆ½Å ˆÅ Ä œ Š ú ½ ˆ½Å ˆ Åœ ú ˆÅú ½ Ä ˆÅú ˆÅ ½ƒÄ Ä Ÿ ½ ˆÅ š ˆÅ ú í ú ˆÅ ½ Á ƒ œ ½ ½ ˆ½Å œ š ˆÅ ˆÅ ½ ˆÅ Ê Æ í ú ž ú š ˆÅ í ú í š ˆÅ Ê ˆÅ ½ œ \ ˆÅ ³Åœ ½» \ ˆÅú Š ƒä í Æ ƒ ú ƒ ú Ê ˆ½Å ˆÅ Ä ˆ½Å ˆ Åœ ú ˆÅú œ ú ˆÅ ½ƒÄ í Æ ˆ Åœ ú ˆÅú ƒ ú ƒ ú Ê ˆ½Å š Ÿ Ê í š ˆÅ Ê ˆÅú ˆÅ Ê œ š ½ ½ ˆ½Å ƒ ú ƒ ú Ê ½ š ˆÅ ½ƒÄ ˆÅ µ œ µ ú í Æ ˆ Åœ ú ½ ˆÅ ú ˆÅ í ú ] Ê ú ƒ ú ˆÅú ½ œ ú ˆÅ Ä Ÿ» ˆÅ ˆÅ í œ ú1 ½ œ ú ˆÅ í í ž ú ½ ÿˆå ˆÅú ú ] º ƒä 2 Ÿ Ê ž ˆÅ ˆ½Å ˆÅ œ ½ ½ ˆÅ Ä Ÿ ] ú ˆÅú Ÿ ] ˆÅ, œ Ä µ ˆÅ ÄˆÅ Ê ½ š ú \ ˆÅ ½Ä Ê œ š í í, ú ú ˆÊÅ ú ½ ˆÅ ½ Ä ºŸ ½ í í í  ú Ÿ ˆ½Å œ Ÿ º š íÿ Ÿ Ê Corporate Governance / CSR/ BR Report ˆÅ ˆ½Å Š Ä í í í í ž ú ½ ÿˆå ½ Ä Ÿ Ê ú ˆÅ ½ Š» ˆÅ ƒ Ä œ ˆÅ í ú œ ½ Ä ˆÅú œ ½ Š ˆÅú œ ½ \ ½ ˆÅú íÿ ú Š š ½ ˆÅú œ ˆÅ Ÿ ú í, ] ½ ž ú í š ˆÅ ½ ˆ½Å í 3 ½ š ž œ Ÿ ½ š ˆÅ ú š ˆÅ ú ÿˆå ˆ½Å ˆÅ Ä ˆÅ œ Ÿ º í ½ í í œ š ½ ˆÅ ú ÿ ˆ ÅŠ Ÿ»í ˆÅ ½ úš ½ œ ½ Ä ˆÅ í ú ˆ½Å ˆÅ Ä, ž œ í Ê ˆÅú œ í\ ˆÅ ½ ˆÅ Ä ˆ½Å ûå ˆÅ œ ž ú ˆÅ Ä º ˆÅ ½ ˆ½Å ] ŸŸ ½ í ½Š œ ½] ˆÅ», Ÿ Ÿ Ê Ÿ Ê ½š ˆÅ ] ½ œ š ˆÅ ú Ä Ÿ í œ š ˆÅ ˆÅ œ ½ ½ œ ½ µ œ Ä Ÿ Ÿ œ ú ˆÅ ½ ˆÅ ] í ĈŠŸ ú œ ½ Ä ½ Ä ˆÅ ½ œ º ˆÅú ] Š ú œ ½ Ä ˆÅ ½.... œ ˆÅ œ ½ ½ Š ½ ú ú œ ½ Ä ˆÅ ½ ½ ] ˆÅ í 102 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

105 BUSINESS RESPONSIBILITY REPORT 2. Principle-wise (as per NVGs) BR Policy/policies (Reply in Y/N) Sl. No. Questions 1. Does the Bank have a policy/policies for each of the 9 principles prescribed by SEBI 2. Has the policy been formulated in consultation with the relevant stakeholders? 3. Does the policy conform to any national / international standards? If yes, specify? (50 words) 4. Has the policy been approved by the Central Board? If yes, has it been signed by MD/ owner/ceo/appropriate Board Director? 5. Does the company have a specified Committee of the Board/ Director/Official to oversee the implementation of the policy? 6. Indicate the link for the policy to be viewed online? 7. Has the policy been formally communicated to all relevant internal and external stakeholders? 8. Does the company have in-house structure to implement the policy/policies? 9. Does the Company have a grievance redressal mechanism related to the policy/policies to address stakeholders grievances related to the policy/policies? 10. Has the company carried out independent audit/evaluation of the working of this policy by an internal or external agency? Principles P1 - P9 Yes Yes SBI s Business Responsibility Policy is based on National Voluntary Guidelines on Social, Environmental and Economic Responsibilities of Business as released by Ministry of Corporate Affairs, Government of India, in July Yes, the BR policy has been approved by the Board of Directors Yes (CSR Committee headed by Chairman) or statebankofindia.com under the link Corporate Governance / CSR/ BR Report. Yes Yes Yes No (SBI has adopted the Business Responsibility Policy in The Sustainability Report published this year is a comprehensive review of our activities for all the stakeholders over the last four years of BR Reporting). Ranked in Top 10 Financial Online Sites in The World 3. Governance related to BR The designated Nodal Officer (BR Officer) heads the BR function of the Bank. He /She reports directly to the MD (NBG), and is responsible for implementation of the policy, identification of various initiatives and ensuring their effective implementation by the BR Function staff. The BR Policy will be updated from time to time by the BR Officer i.e. GM (Corporate Communication & Change), in the light of amendments to laws, rules and regulations, as applicable, and an annual review report shall be submitted to the Board. The BR Report can be accessed at or under the link Corporate Governance / CSR/ BR Report. State Bank of India Sustainability Report

106 œ ½ Ä ½ ÿˆå ½ Ÿ ½ œœ ˆÅ ºž ž À œ 1À ˆÅ œ ½ ½ ž ˆÅ Ä ˆÅ ÿˆå ˆÅ œ ½ ½ ž ˆ½Å ½ Ÿ Ê ½ œ Ê ˆÅ ½ À œ ½ ˆ½Å œ í ˆÅ í Ÿ í ˆÅ \ ˆÅ œ ½ ½ ž ˆÅ» ú Ÿ ˆÅ œ ½ Ê ˆÅ ºœ ˆÅ íú íú, ˆÅ ½ ž ú Š ½ í \ ½ ˆÅ œ ½ ½ ž ½ œ ž ú œ š º í ½ í \\ ú ˆÅ ½ œ ½ ž ú í š ˆÅ Ê ˆ½Å Ÿ» ˆÅ ½ š ˆÅ Ÿ ½ Ÿ Ê ÿˆå ˆÅ ½ º š í ½ ú í ½ Ê ˆÅ ½ Ÿ º ½œ Ÿ Ê Š í À ½ š ˆÅ ˆ½Å Ÿ» ˆÅú ˆÅ Ÿ Ê š Ä Š íˆå, ˆÅŸ Ä\ ú Ÿ ] ] ½ ž ú í š ˆÅ Ê ˆ½Å í ˆÅú ˆÅ œ ½ µ ˆ½Å Ÿ Ÿ ½ Ÿ Ê œ Ä ƒäÿ ú º ˆÅ ž ú š Ê ˆÅ ½ œ»µ Ä, íú œ»\ œ š ˆÅ œ Š íˆå ½ ˆÅú ] ŸŸ ½ ú º ˆÅ ž ú Ê œ ˆ Å í ˆÅ \\ Ÿ ˆÅ ˆÅ Á œ ½ ½ ½» Ê ˆÅ ½ œ š ˆÅ ÿˆå ½ ˆÊÅ ú ½ Ä ˆ½Å ½ ˆÅ Ê ˆ½Å œ Ÿ º œ š ˆ½Å ˆÅ ºœ ž \ í ˆÅú í ƒ \ í ˆ½Å š œ Ÿ Š Ä úä Š íÿ, ] ˆ½Å š œ ÿˆå œ ½ íº ˆÅ í š ˆÅ Ê, ˆÅ Ÿ ˆÅ ] Ê Ê, Ÿ ú ˆÅ íú ] ½ í š í, ˆ½Å œ ˆÅ œ \ \ ˆÅ í œ» ½ µ ˆ½Å ÿˆå ˆÅú ½ ƒ ½ í ˆÅ œ íº \ ] ˆÅ í œ ½ ˆÊ ú ½ Ä ˆ½ ú ½ Ä ˆÅú ˆÅ ĈŠµ ú Ÿ ˆ½Å ºŸ ½ ½ ÿˆå ½ ˆÅƒÄ ú ƒ íÿ, ] Ÿ Ê ž ½ Ê Ÿ Ê ˆÅ œ œ \ Ÿ íÿ ÿˆå ˆÅú ú Ÿ Ê ˆÅ,» ½ ú ž \ ] ½ Ê ˆÅ ½ ž ú Ÿ ˆÅ Š í 2 º Ÿ œ ½ œ ˆÅ íÿ œ ½ Š íˆå Ê ˆÅ ½ ½ ÿ ˆ ÅŠ ½ ú œ œ š ˆÅ ½ Ÿ Ê Š µ ú íÿ Ä 2 5 ˆ½Å, íÿ ½ 2,7 4 ˆÅ ½ œ œ íºƒä 2,5 5 ˆÅ Ÿ š ˆÅ Š ƒ œ ˆÅ 95% ˆÅ ½ ˆÅ Ÿ š í ½ \ ºˆÅ í Ÿ ˆÅ œ œ ˆ½Å ³Åœ Ÿ Ê ÿˆå Ÿ ] ˆÅ, œ Ä µ ú ú œ ž Ê ˆÅ ½ ˆÅ Ä ˆ½Å Ÿ í œ»µ Ä Ÿ í ˆÅƒÄ ˆÅ Ê ½ íÿ ] ŸŸ ½ úœ»µ Ä ÿ ˆ ÅŠ ˆÅ ½ í½ íÿ ½ ˆ½Å Ÿ ½ ú ˆÅ ˆ½Å œ œ ú œ œ ˆÅ ˆÅú í ÿ ˆ ÅŠ ] Š Ÿ Ê œ ½ Š ˆÅú ˆ½Å ½ Ÿ Ê ž ú íÿ Š íÿ œ ½ Š ˆÅú ˆÅ íÿ ½ ž ˆ½Å œ ½Š ˆÅ ½ íº íÿ ½ ˆÅƒÄ œ ½] œ ž ˆÅ íÿ, ] Ÿ Ê ½ ˆºÅ Ÿ º í À Ä 2 5 Ÿ Ê 22 ú ƒä ƒ \ ½ ú Š ƒä, ] ½ ˆÅ ÿ ˆ ÅŠ œ µ ú ] Ÿ ½ ƒ œ ½ ûå ÁŸ Ä ˆÅ ŸŸ µ í ½ ½ Ê Š íˆå Ê ˆ½Å œ ½Š ú íÿ ] ½ œ ½ ½ ½ ½ Ÿ š Ÿ Ê ½ ˆÅ \ í ½ íÿ Š íˆå ƒä ½ˆÅ ] ú ˆÅ ˆ½Å, ƒ ½ ÿˆå ½ Æ» Ÿ ˆÅ ½œ ˆÅ ºž ž ˆÅ Š í ž ú ½ ÿˆå ½ œ í ˆ½Å ÿˆå í, ] ˆÅú œ ú ž ºŠ Š Š ½ ½ í ú ƒä ƒäœ ½ ½ ˆÅ ÿˆå ž ºŠ Š Š ½ ˆ½Å ³Åœ Ÿ Ê Š íˆå Ê ˆÅ ½ ƒ ½ ÿ ˆ ÅŠ ˆÅ œ œ ˆÅ ½ ˆ½Å 4 ÿˆå Ê ½ ž Š ú ú ž ú ˆÅ ú í ž ú ½ ÿˆå ½ ú ƒä ƒäûå Á ½Æ œ ½ ûå ÁŸ Ä ˆÅ ž ˆÅ í, ] ½ Š íˆå Ê ˆÅ ½ ½ ú Ÿ º Ÿ Ê ] ½ Ÿ Ê ˆÅú œ í½ º ½ ú Ÿ ºˆÅ ˆÅ ½ ˆÅú º š œ ˆÅ í 104 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

107 BUSINESS RESPONSIBILITY REPORT Section E: Principle-wise Performance Principle 1: Practising Good Corporate Governance The Bank is committed to the best practices in the area of Corporate Governance in letter and in spirit and believes that good corporate governance is much more than complying with legal and regulatory requirements. Good governance facilitates effective management and enables the Bank to maintain a high level of business ethics and to optimize the value for all its stakeholders. The objectives can be summarized as: To protect and enhance shareholder s value. To protect the interest of all other stakeholders such as customers, employees, Government and society at large. To ensure transparency and integrity in communication and to make available full, accurate and clear information to all concerned. To ensure accountability for performance and customer service and to achieve excellence at all levels. To provide corporate leadership of highest standard for others to emulate. The Bank has laid down a well-defined Code of Conduct for its Directors on the Central Board and its Core Management. This Code of Conduct attempts to set forth the guiding principles on which the Bank operates and conducts its daily business with its multitudinous stakeholders, government and regulatory agencies, media, and anyone else with whom it is connected. To get further details, the Code can be easily accessed at the Bank s website. The Bank has also set in place various policies, with due approval from its Central Board / Executive Committee of the Central Board, encompassing the entire gamut of its performance and operations in India and abroad. The Bank s Business Responsibility Policy also covers aspects related to ethics, bribery and corruption. We adhere to highest standards of honest and ethical conduct, including proper and ethical procedures in dealing with actual or apparent conflicts of interests between personal and professional relationships. The Bank does not tolerate any proven instance of bribery and corruption. Principle 2: Providing Safe and Sustainable Products and Services We have been a leader in providing bestin-class banking services and financial products to our customers. During the year , we received 2,704 complaints and 2,565 were resolved (95%). As a sustainable business practice, the Bank examines social, environmental and financial returns to the real economy. For decades, we practised responsible banking and demonstrated our commitment towards inclusive development of the country. We are also capitalizing on the headway the technology has made into the banking world. We have launched several projects/measures in an attempt to harness technology to our advantage, a few of which are as under: 115 sbiintouch branches in which are a blend of the banking ecosystem and the digital/mobile platform and cater to the millennials who look forward to transacting in self-service mode. To enable customers to self-generate e-tokens, a mobile app State Bank No Queue has been launched. SBI is the first and only bank to have its own payment aggregator services. SBIePay has already partnered with 41 banks for providing seamless internet banking options to the customers as a bank and a payment aggregator. Launched Mobile App State Bank No Queue State Bank of India Sustainability Report

108 œ ½ Ä 2,882 ˆÅŸ Ä ú ˆÅ ½ ÿˆå Ÿ ½ ˆÅ Ä œ ½] ˆ½Å Š Ä ž ú ½ ÿˆå ƒä ˆÅ ÁŸ Ä ˆ½Å ½ Ÿ Ê ž Š ú ú ˆ½Å Ÿ š Ÿ ½ µ ˆÅú œ í ˆÅ ½ ] í í ú ƒä Æ Æ º ûå ˆÅú \, ˆÅ ž œ ½ \\ Ÿ ½ Š íˆå Ê ˆÅ ½ œ œ š ½» Ÿ œ ˆÅ ½ ˆ½Å ½ ½ ž ˆÅ Š í œ Ÿ º œ ž ½Æ º Ê ˆÅú œ» Ä ú œ» ÄˆÅ Ê ˆÅú ] ú í í ú œ ½ Ä ˆ½Å µ 4. 2 ˆ½Å º» Ÿ Ÿ Ê ˆ½Å œ ÿˆå ˆÅú œ œ í ½ ú í ƒ ½ œ ½ \ ½ Ÿ Ê Ÿ Ÿ ƒä ½ ˆÅ ½ œ Ÿ ˆÅ œ ˆÅ ½ ˆ½Å š Ÿ Ê ÿˆå ˆÅ œ œ ˆÅ í ½ í 3 À Ÿ ú œ ] ú ˆÅú ½ ž íÿ ½ ˆ½Å ½ õ½ ½ Š œ Ê Ÿ Ê ½ ˆÅ íÿ 2, 7,739 Æ Ê ˆÅ ½ úš ½ Š œ ˆÅ ½ íÿ íÿ ƒ ˆÅ ½ úˆå ½ íÿ ˆÅ íÿ ½ ˆÅŸ Ä\ Ê ˆ½Å ˆÅ µ íú íÿ œ ½ Ê ˆÅ ½ œ» ĈŠž ˆÅ ½ íÿ íÿ œ ½ Ÿ œ ˆÅ Ä ˆÅ ŸŸ ˆÅ ½ íÿ ž ú ½ ÿˆå ˆÅ ½ ½ š ˆÅ ˆÅŸ Ä\ ú Ÿ º Š ½ ˆÅ œ ˆÅ ½ íÿ íÿ œ ½ µ, œ µ œ Å ûåú ˆÅ ˆ½Å Ÿ š Ÿ ½ œ ½ ˆÅŸ Ä\ Ê ˆÅ ½ Ÿ œ ºµ ½ íÿ œ š Ê œ Ê ˆÅú í ˆÅú ] ú í, ŸŸ ˆÅ ] í œ º ˆ Å ˆÅ ] í ˆÅŸ Ä\ ú µ, œ í ž Ê ˆ½Å Ÿ» ˆÅ ˆ½Å ˆ Åœ í ú œ ½ Ä µ 3 ˆÅ ž Ä Ê ˆÅŸ Ä ú 2, 7,739 ˆÅŸ Ä\ Ê ˆ½Å ÿˆå ½ Ÿ Ê ½ õ½ ½ Š œ Ê Ÿ Ê ½ ˆÅ íÿ íÿ ˆÅ Ä š ½ ž í œ Äœ œ š ˆÅ í Ä 2 5 ˆÅú Ÿ œ œ íÿ ½ œ 44,585 Ÿ í ˆÅŸ Ä\ ú íÿ 2,882 Æ ˆÅŸ Ä\ ú íÿ ] ½ í ½ Ÿ í 3 Ÿ \ Ä 2 ˆÅ ½ ÿˆå ˆ½Å ˆÅŸ Ä\ Ê Ÿ Ê ½ 37, 4 º» \ ],,542 º» \ ] ] 3, 3 œ õ½ Š Ä ˆ½Å ˆÅŸ Ä\ ú ½ ] ˆÅú ú ˆÅ ˆÅ ˆº 37 ˆÅŸ Ä\ ½ ˆÅú ½ ½ˆ½Å œ ú Š ƒä í ú œ ½ Ä ˆ½ µ 4.7 Ÿ ] ˆ½Å í ½ Ÿ ½Š Ê ˆ½Å œ ÿˆå ˆÅú Š ƒä œ í Ê ½ š í ˆÅŸ Ä ú í ž ÿˆå œ ½ ˆÅŸ Ä\ Ê ˆÅú º š Ê ˆ½Å ž š, œ, œ Ê, \ ˆÅ, µ ˆÅú ] Ÿ Ê», ] Ÿ œ \\ ], ˆÅŸ Ä\ Ê ˆ½Å \\ Ê ˆÅ ½, í ½ ú ½ í ½Ÿ, ˆÅ º ú ˆÅ Äœ ˆÅ œ ú µ º š œ ˆÅ í ÿˆå ½ í íú Ÿ Ê 5 ˆÅú œ º ú ˆÅ ž ˆÅ í ˆÅú ÿˆå ˆ½Å ½ Ÿ œ œ í ˆÅ œ Ä ½ ú ûå ˆ½Å» Ä ûå ˆ½Å ƒ Ê ˆ½Å Ÿ Ÿ º í À. Á ƒ ½ ÿˆå ÁûÅ ƒ Á ûå Ä û½å ½ 2. Á ƒ ½ ÿˆå ÁûÅ ƒ ûå û½å ½ š ˆÅ ûå š ˆÅ ú ƒ Ê ˆ½Å íÿ Ÿ š ˆÅ ÿˆå ˆÅú ž úä ú Ÿ Ê Ÿ ˆÅ ½, œ» ĈŠŸ ˆÅ ½ \ ˆÅ Ÿ ˆÅ ½ ˆÅú ºŸ íú í ˆÅ Ä œ œ ú õ ˆÅú ˆÅ Ê ˆÅ ú œ» ĈŠ\ [ Š ½ œ ˆÅ ½ 106 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

109 BUSINESS RESPONSIBILITY REPORT SBI has launched sbieforex platform, which would enable customers to book forex rates to hedge their exposure in foreign currency. Under Project Shikhar, SBI proposes to pioneer a lending ecosystem through partnerships, in the e-commerce space. SBIExclusif has been designed, developed and launched as a unique suite of Wealth Management Services (WMS) for its high net worth customers. Majority of the consumables supply is catered to by local suppliers. We progressively encourage and support members of value chain to adopt environmental policy/ management systems. Section 4.12 of the Sustainability Report revisits the code of commitment of the Bank to the small and micro-enterprises. It also documents Bank s performance in prioritising the MSME sector over the last four years. Principle 3: Caring for Human Capital We are one of the largest employers in the country providing direct employment to 2,07,739 individuals. We recognize that it is because of our employees that we are able to efficiently serve our mandate. We value our competent and dedicated workforce, and strive towards making SBI one of the most employeefriendly organizations to work for. We build competence and expertise in our employees through motivation, training and feedback. The achievements and efforts are appreciated, acknowledged and rewarded. For a detailed assessment of the employee profile, performance and benefits, please refer to section 3 in the Sustainability Report. Employee Strength With 2,07,739 employees, the Bank is one of the largest employers in the country. Our workforce is diverse and adequately representative. At the end of , we have 44,585 women and 2,882 persons with disabilities as our employees. The Bank had Scheduled Caste, 16,542 Scheduled Tribe and 36,031 individuals belonging to other backward castes as employees on 31st March The total number of contractual employees hired by the Bank, as on date, is 371. Section 4.7 of the Sustainability Report deals with the initiatives taken by the Bank towards the differently-abled section of the society. Employee Benefits The Bank runs multiple benefit schemes for its employees like provident fund, gratuity, pension, medical benefits, concessionary interest rates on advances, higher interest rates on deposits, scholarships to employees children, holiday homes, grant of sabbatical to employees, executive health check-up, etc. Bank has recently introduced 15-day paternity leave for its employees. Freedom of Association The Bank has two recognized Employee Associations One for the Supervisory Staff and the other for the Award Staff. The names of the associations are: 1. All India State Bank of India Officers Federation. 2. All India State Bank of India Staff Federation. The majority of staff and officers are members of these federations. Human Rights Recruitment policy of the Bank does not permit any engagement of child labour, forced labour or involuntary labour. An independent complaint committee has been constituted at Local Head Offices (LHOs), Administrative Offices and Regional Business Offices (RBOs) and a Contact Coordinator placed at Corporate 2,882 Differently Abled Employees as on 31 March 2016 State Bank of India Sustainability Report

110 œ ½ Ä 45 œï µ ˆ½Å Í ½ ½ œï µ œï ˆÅ ˆ½Å ú œ š ˆÅ Ä Ê \ ½, œ ˆÅ ˆÅ Ä Ê ½ ú ˆÅ Ä Ê ú ½ ˆ½Å œ ˆÅ ˆÅ Ÿ Š ˆÅú Š ƒä í ˆÅ Á œ ½ ½ ˆÊÅ Ÿ Ê œ ˆÄÅ Ÿ ˆÅ Š í ÿˆå ],, Š š Ÿ Ä ˆ½Å š œ ˆÅ ½ƒÄ ž ½ ž íú ˆÅ í œ ½ ˆÅŸ Ä\ Ê ˆ½Å ˆÅ Ä ] ú º º ˆÅ í ƒ š Ÿ Ê Ä 2 5 Ÿ Ê ˆÅ ½ƒÄ Ÿ í œ»µ Ä ˆÅ íú í í ú œ ½ Ä ˆ½Å µ 4. Ÿ Ê ÿˆå ˆÅú ] íú Ÿ í Æ ˆÅ µ ˆÅú œ í Ê ˆÅ µ Š í ˆÅŸ Ä ú œ ˆÅ ž ú ½ ÿˆå œ ½ ˆÅŸ Ä\ Ê ˆ½Å ˆÅ Ä Ÿ, º ½ ] œ µ œ Å ] ú í ½ œ µ ˆ½Å Æ Š ˆÅ ˆ½Å íú íú ˆÅ Ÿ Ê œ ˆÅ œ ž ˆÅ Ÿ Ê ˆ½Å ž ú ] í ÿˆå ˆÅú œ µ œ µ ú ˆÅ Ä ú ˆÅ œ µ ƒˆå ƒä ú» ˆ½Å œ»µ Ä œ Ä ½ µ Ÿ Š Ä Ä Ÿ Ê ˆÅ Ä ˆÅ ú í ž ú ½ ÿˆå ˆÅ íº œ ˆÅ œ µ ½ ˆÄÅ í, ] Ÿ Ê 45 ] Ä ˆÊÅ 5 ú Ä œ µ í ú Ä œ µ ½ ÿˆå ƒ» ÁûÅ Ÿ ½] Ÿ ½ ] í,», ˆÅ ½ ˆÅ Ÿ Ê œ ˆÅ ] í í ÿˆå ½ ˆÅ \ ºÄ» Ä ú ž ú ƒä í, ] ½ ˆÅ Ÿ º ] ] Ä œ µ ú í ½ ½ ˆ½Å ÿ ˆ ÅŠ ˆ½Å ž ú ½ Ê Ÿ Ê ] ½ Ä, ½, ú, œ µ, œ ˆºÅ Ê ˆÅ œ µ œ ˆÅ ú í ƒ Ÿ Ê 335 ˆÅŸ Ä\ ú œ œ µ ½ ˆÅ ½ íÿ Š íˆå ½ œ ˆÅ ½ ½í ½ ˆ½Å ž ú ½ ÿˆå ½ \\ ˆÅ Äœ ˆÅ Ê ˆÅ ½ Ê ˆ½Å œ Ÿ ĈŠ½ ˆÅú œ í ž ú ˆÅú í œ Ÿ ĈŠˆÅ œ Ÿ ˆÅ ½ Ÿ º í À Ê ˆÅ ½ Š íˆå ½ Ÿ Ê ºš ½ Ÿ Ê í ˆÅ Ê ˆÅ ½ Ÿ Ê ˆ½Å í ˆÅ úÿ ˆÅ ½ ˆÅú œ»µ Ä Ÿ ˆÅ ½ ] ½ Ÿ Ê í ˆÅ ˆÅ Ä ú ˆÅ œ µ ƒˆå ƒä í º ˆÅ ú í ˆÅÀ ž ú ˆÅŸ Ä\ ú Ä Ÿ Ê ˆÅŸ ½ ˆÅŸ ˆÅ Š œ µ Š íµ ˆÅ Ê œ µ ˆÅ Ä ÅŸ Ê ˆÅ ½ ÄŸ ˆÅ Á œ ½ ½ œ Ÿ ˆÅ Ê ˆÅ ƒˆå ƒ Ê ˆÅú ˆÅ Ê ˆ½Å º³Åœ š Ä ˆÅ ] í œ ½ˆÅ ˆÅŸ Ä\ ú Ÿ Ê À œ œ ˆÅ ½ ˆÅú œ ˆÅ ½ ˆÅ ˆÅ ] í œ º ˆÅ Ê ŸŸ Ê Ÿ Ä š ½ Ÿ ˆÅ ˆÅ Ä š í Á ƒ ] Ä ˆÅ ½ Å [õ ½ Ÿ ˆÅ œ µ ˆÅ ½ ºœ» ˆÅ í œ ˆÅ ½ ˆÅú ½ ƒä ] Ä ƒä Š ˆÅ œ ž ú Ÿ \ íº í Ä 2 5 ˆÅú ˆºÅ œ Ÿ º ½ À ž úä ˆÅ Š ½ Ê ˆÅ ½ ÿ ˆ ÅŠ ] Š ˆÅú \ º Ê Ÿ Š Ê ˆÅú ] ˆÅ ú ½ ½ ˆ½Å ˆÅ ˆÅ ] Ä ˆÅ ½ ˆ½Å í ú ûå Š ˆ»Å Ê Ê ˆÅú í ½ 38 ˆÅ ú ˆÅ Ä ½ ] ˆÅú Š ƒä œ ú š ú š ˆÅ Ê ˆÅ ½ ˆ½Å º Å ˆ½Å Ê Ÿ Ê ˆÅ úˆåú œ ˆÅú Š š Ê ˆ½Å š Ÿ Ê ½ ú Ÿ Ê ˆ½Å œ ˆ½Å ú ƒä ú Ÿ ˆÅ ˆÅ Ä ÅŸ º³Å ˆÅ Š Á. \ Ä ½ ˆ½Å í ½Š ½ µ ˆºÅ Ê ˆ½Å ½ Ÿ Ê œ ˆÅ œ µ ˆÅ Ä ÅŸ ½ ] ˆÅ Š Ÿ Ê œ œ ºµ ˆÅ ½ ˆ½Å ½ ] ˆÅ Š À œ š ˆÅ Ê ˆÅ ½ ˆÅú ˆºÅ Ê ˆ½Å Ÿ Š ˆÅ š ˆ½Å ˆÅ ½ ˆ½Å ½ ½ ˆÅ Š 108 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

111 BUSINESS RESPONSIBILITY REPORT Centre to promptly and appropriately handle complaints of sexual harassment at work places. The Bank refrains from any discrimination on the basis of caste, creed, gender or religion and strives to ensure a healthy work-life balance for its employees. No significant complaints are pending in Section 4.6 of the Social Sustainability Report contains details about women empowerment initiatives of the Bank. Employee Training & Development SBI continues a proactive, planned and continuous training process for its employees. This is driven not just towards individual growth but also towards enhanced productivity and effectiveness within the organization. The training system functions under the overall supervision and guidance of the Strategic Training Unit of the Bank. The Bank has extensive training network comprising five Apex Training Institutes and 45 State Bank Learning Centres. The sixth ATI, styled State Bank Institute of Management, is being set up at Rajarhat, New Town, Kolkata. The Bank has also created a virtual university that can train in all areas of Banking, Economy, Leadership, Ethics, Marketing, Administration and Soft Skills, in addition to a robust digital learning system. It can accommodate 3350 employees per day. SBI has also initiated Mentoring of Branches by top executives to enhance the customer service and branch performance. The primary objectives behind branch mentoring are: to help the branches achieve sustained improvement in customer service. to help the branches achieve business growth. to help the team in realizing their full potential. The Strategic Training Unit ensures: All employees undergo at least one institutional training during the year. Training programs are aligned with current corporate priorities / requirements of Business Units. A culture of self-learning is inculcated in every employee. Active promotion of online learning, including mandatory role-based lessons supported by Rewards & Recognitions E-learning has proved to be an effective platform in providing supplementary support to institutional training. Some of the highlights of are: To expose newly Recruited Associates to the challenges and demands of the real world, 138 One day Workshops on Soft Skills by External Finishing Schools / Institutes were arranged. A programme called SBI Buddy was started to allow Probationary Officers to clear their doubts related to technical and administrative activities in the initial days. A training programme on the new Basel Rules Credit Skills was conducted in collaboration with Dr. Richard Flavell. Sessions by expert professionals were taken on the following topics: Cutting Edge Branch Management sessions to enable branch managers enhance their overall skill and focus in their roles. How to detect and prevent fraud; actions to be taken by the bank for misrepresentation; Forensic Accounting; Creative Accounting, and Forensic Audit in Advances and General Banking. Imparting Training from 45 Training Centres State Bank of India Sustainability Report

112 œ ½ Ä `4.78 ˆÅ ½ Ä 2 1 Ÿ ½ ½ ƒ ½ œ Ä ˆÅ Š ½] \ Ÿ ½] Ÿ ½ Ê ˆÅ ½] ˆÅ Š š ½ š õú ˆÅú œ í\ ˆ Å ½ ˆÅ ½ ˆ Å ½ ½ˆÅ \ Ÿ ˆÅ ½ ˆÅ µ ˆÅú ˆÅ ½ œ ú Ÿ ÿ ˆ ÅŠ ] ½ ž ú Š 4 À í š ˆÅ Ê ˆ½Å ] º ˆ½Å í Ê ˆÅú ÿˆå œ ½ ˆÅ ½ Ê í š ˆÅ Ê ˆ½Å ] º õˆå í í í ú œ ½ Ä ˆ½Å š 3 Ÿ Ê ÿˆå ˆ½Å ž ú í š ˆÅ Ê ˆ½Å ½ Ÿ Ê Š í, ] Ÿ Ê í š ˆÅ Ê ˆ½Å í ˆ½Å í š ˆÅ ž ú Ÿ íÿ í œ ½ Ä íÿ ú œ š Ê ˆÅ ½ Ÿ ½ í, íÿ ½ œ ] ½ ½ Ÿ ] ˆÅ ³Åœ ½ Ê ˆÅ \ ˆÅ í í š ˆÅ Ê ˆ½Å \ ú ˆÅ ½ ˆ½Å š ž ú œ º ˆÅ í Ÿ ] ˆ½Å œ ½ œ º š œ œ ½Š Ê ˆ½Å ÿˆå ˆ½Å ] º õ ˆ½Å ½ Ÿ Ê í ú œ ½ Ä ˆ½Å Ÿ Ê ½ Š í ÿˆå ƒä Ÿ ½, ½ ƒ, ˆÅ ûå Ê ˆÅ Á, ŸŸ ½ œ ½ Ÿ ú, œ, œ ˆÅ, ½ ˆÅ Ê ˆÅú ˆÅ œ» ½ ž Ÿ Ê ½ ˆÅ ŸŸ ½ Ÿ Ê œ ] ½ ˆÅƒÄ œ ˆÅ ˆ½Å \ Ê ˆ½Å Ÿ š Ÿ ½ œ ½ í š ˆÅ Ê ½ \ ú ˆÅ í ÿˆå ˆ½Å ž ú ½ Ê Ÿ Ê í š ˆÅ Ê ˆÅú ] º õú í ½ ú í ÿˆå œ ½ ž ú Š íˆå š \ Ê ˆ½Å ] œ Å ûåú ˆÅ Ÿ Š í, ž ú í š ˆÅ Ê ˆÅú œ ½ Ê ˆ½Å ½ Ÿ Ê º í ˆÅŸ Ä\ Ê ˆÅ ½ œ Å ûåú ˆÅ ½ ½ ˆÅ œ ˆÅ í ÿˆå û½å ºˆÅ ] ½ ½ Ÿ ú ˆ½Å ] í š ˆÅ Ê ˆ½Å ] º õ í ˆÅƒÄ œ ˆÅ ˆ½Å ½Š Ÿ º ˆÅ Ê Ÿ Ê Å ³Åœ ½ íž Š ˆÅ í 5À Ÿ š ˆÅ Ê ˆÅ ŸŸ ˆÅ ÿˆå œ ½ ½ ˆ½Å ž ú Ÿ š ˆÅ Ê ˆÅ ŸŸ ˆÅ ½ ˆÅú œ ú ] ŸŸ ½ ú ˆÅ ½ úˆå ˆÅ í í ƒ ½ ˆÅ ½ ƒ í œ ž ˆÅ í À ˆÅŸ Ä\ ú œ» ÄˆÅ Ä ½ œ ú ½ Š íˆå ˆÅ œ ½ ½ Š íˆå ú Ÿ º Ÿ ˆÅ š ˆÅ, ž ½ ž ½ \ œ ˆÅ Ä œ Ê í œ ½ ˆÅŸ Ä\ Ê ˆ½Å Ÿ š ˆÅ Ê ˆÅú ˆÅ ½ ˆÅú œ ] ŸŸ ½ ú ÿˆå ˆÅú í ÿˆå œ ½ ûå ˆ½Å ú\ Ÿ ]» œ» ĈŠŸ ]» ˆÅ œ ½Š íú ˆÅ í \ í í ˆÅ ˆ½Å œ Ÿ º œ» ÄˆÅ Ä Ÿ š ˆÅ Ê ˆÅ ŸŸ ˆÅ ½ í Ê ž ú ½ ÿˆå œ ½ ž ú» Ÿ Š š Ê ˆ½Å ] ú Ÿ º Ê ˆÅ ½ ˆÅ Ÿ ˆÅ ½Š ½ í À œ Ä ˆÅ š ÿˆå ] í ˆÅ ž í ½, œ ½ œ \ ˆ½Å ˆÅ µ œ Ä µ œ œ õ ½ ½ úš ½ œ ž ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å œ í ÿˆå ½ œ ½ œ \ Ê ˆ½Å ˆÅ µ œ Ä µ œ œ õ ½ ½ úš ½ œ µ Ÿ ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å œ ž ú ˆÅ íÿ ˆÅ Ä Ê Ê Ÿ Ê ú ƒ Æ Š ½ ½ˆÅ ] Ä µ ˆÅ ÿˆå œ Ä µ œ ˆ½Å œ \ Ê ˆ½Å œ ž ˆÅ ½ ˆÅŸ ˆÅ ½ ˆÅú Ÿ Ê ˆÅ Ÿ ˆÅ í í í ú œ ½ Ä ˆÅ 3.4 í í ˆÅ ž ú ½ ÿˆå ½ œ ½ \ ½ Ÿ Ê œ ½ œ \ Ê Ÿ Ê œ ½ œ ž ½Æ š ] Ä œ ž ½Š ˆÅ ½ ˆÅ í ½ ˆÅŸ ˆÅ Ä 2 5 ˆ½Å º³Å ˆÅ Š ˆºÅ œ Ê Ÿ Ê ½ ž ú íÿà ÿˆå ½ ˆÅƒÄ ] Ä, ÿœ, íú ú ÿœ ú ½ Š ½ œ 4.78 ˆÅ ½ õ Åœ ˆÅ ˆÅ í ÿˆå ½ œ º Ê ˆ½Å º Ê í œ º Ê ˆ½Å Áœ ½ ½ ž ú í 110 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

113 BUSINESS RESPONSIBILITY REPORT Principle 4: Engaging with Stakeholders and Protection of their Interests The Bank has mapped its gamut of stakeholders, both internal and external. Chapter 3 of the Sustainability Report is addressing all the stakeholders of the Bank from the most influential ones to the ones typically considered in the periphery. This report showcases our achievements, identifies the socially relevant themes that we pursue and opens new grounds for communication with stakeholders. The engagement of the Bank with the marginalised and less privileged section of the society has been described in detail in Section 4.2 and Section 4.8 of the Sustainability Report. The Bank communicates with the stakeholders through a variety of channels, such as s, website, conference call, press meets, advertising, one-on-one meeting, analyst meet and attendance at Investor Conferences throughout the world. Stakeholder engagement is embedded in all areas of the Bank. The Bank seeks feedback through its customer-facing channels, listens to all shareholders concerns and from its employees through specifically provided channels. The engagement with stakeholders is done through social media like Facebook and Twitter, and through active participation in a variety of industry and community associations. Principle 5: Respecting and Promoting Human Rights The Bank recognizes its responsibility to respect human rights within its sphere of influence which it defines as: Employees Suppliers and Service Providers Retail clients and Corporate clients Local Communities The Bank has a direct obligation to protect the human rights of its employees, including the right to equal opportunities, fair working conditions and protection from discrimination. The Bank does not use child labour or forced labour among its staff and seeks to influence its principal suppliers to respect human rights. SBI makes a positive contribution to local communities through its various CSR and microfinance activities. Principle 6: Caring for Environment, respecting, protecting and further efforts to restore the environment The Bank is committed to keeping its environmental footprint as small as possible and has taken proactive steps to reduce the direct impact of its operations on the environment. From recycling programs to energy conservation in offices and branches, the Bank is striving to reduce its operational footprints on the environment by adopting clean technology, wherever applicable. The Bank s operations generated minimal emissions / waste and, hence, the quantity of emissions / waste generated by the Bank was far below the permissible limits given by the Central Pollution Control Board (CPCB). The Bank did not receive any show cause/ legal notice by either the State or Central Pollution Control Board during the reporting period Section 3.4 of the Sustainability Report documents how SBI has reduced its consumers resource consumption and energy consumption in its day-to-day operations over the last four years. Some of the measures introduced in are: The Bank has spent Rs 4.78 Crores for acquiring, commissioning and maintaining of a number of solar power plants, solar lamp, solar water heater, and solar street lamps. It has also provided an animal ambulance and set up an operation theatre for injured animals. `4.78 crores Spent on Solar Devices in FY 2016 State Bank of India Sustainability Report

114 œ ½ Ä 64,628 ŠÏ íˆå ½ ˆ½Å Í Ÿ í, Š º] Ÿ º Ÿ Ê ÿˆå ˆÅú Ê ˆÅ Ä Ê \ ] ú ˆ½Å œ ½Š ˆ½Å 5 Ÿ ½Š Á ˆÅú œ \ ƈŠº³Å ˆÅú Š ƒ íÿ ] ú ˆ½Å ˆºÅ œ ž ½Š ˆÅ ½ ˆÅŸ ˆÅ ½ ˆ½Å ˆÅƒÄ ˆÅ ] Ä œ í º³Å ˆÅ Š íÿ ƒä ú ƒ Ê ˆÅ ½ œ, ½µ ú ˆ½Å ú Š ] Ä ½ íú Š ƒ œ í Ê Ÿ Ê Ÿ íÿ ÿˆå ½ ] úä ûåú ú ûå ƒ ÿ œ ú ú Ê ˆ½Å µ ˆÅ Ÿ Ä ˆÅ í, ] ½» ½ œ ÿˆå ûå Á úˆ Å Æ ½ œ Ÿ Ê 2 5 Ÿ Ê œ Ÿ Ê ½ ] Æ ƒÿ ½ \ Ê] ˆÅ ûå Ê Ÿ Ê œ º ˆÅ Š úˆå µ ú ] Ä œ ½ µ Ÿ Ê ÿˆå ˆÅú Š µ ú ž» Ÿ ˆÅ ˆ½Å ½ ž ˆÅ ½ Ä 2 5 ˆ½Å Ä ½ œ œ º ˆÅ Ÿ À ½ˆÅ ú ˆÅ Ÿ Ä ˆÅ ½ˆÅ ú ½ ˆÅú œ ˆÅ Ÿ Ê ÿˆå ˆÅú íž Š íº ú íú í ½ œ ú Ä œ š ú Ÿ Ä Ê Ÿ ˆÅ œ š ˆÅ Ê ½ Ÿ ³Åœ ½ Ÿ í ú ˆÅ œ ú Ä ˆÅ Äœ ˆÅ ú ½ ½Š ½ š ½ˆÅ ú Ÿ Ÿ Ê œ Ÿ ˆÅ Ê, ˆÅ ˆÅ ú ] Ê Ê ½ Ÿ ½ í ½ íÿ í ] º õ ˆÅƒÄ ³Åœ Ê Ÿ Ê í ½ í, ] ½ ˆÅ ú œ Ÿ ĈŠˆÅ Ê Ÿ Ê íž Š ž ú Ÿ í ž ú ½ ÿˆå ž ÿ ˆ ÅŠ š ú œ ˆÅ Ê, \ Ê Ä Ê ˆÅ Å í í ˆºÅ œ Ÿ º ½ í ú\ ½ Š íÿ, ] ½ ž ú ½ ÿˆå ] º õ í À ž ú ÿˆå ƒä ú, ž ú ½ ú Ÿ º ½Å û½å ƒä ûåæ ƒ ˆÅŸ Ÿ ú Ÿ ˆ½ÄÅ ½ ú ½ ½ ûå ƒä Ÿ Ÿ ú ûåÿ ÿˆå ½\ ½Ÿ, ú ƒä ƒä ½ ž ú ] º õ í ÿˆå œ» ½ Ÿ ] ˆ½Å ž ˆ½Å ½ˆÅ ú ˆÅ Ÿ Ä ˆÅ í í, ] ½ ˆÅ ú Ÿ ] ½ ˆ½Å í ˆÅ ½ š ½ ˆ½Å íú í À Ÿ ½ ú ˆÅ ž ú ½ ÿˆå ˆÅƒÄ í ½ ú Ÿ ½ ½] Ÿ Ê Å ½Š ½ í í í ú œ ½ Ä ˆÅú š 4. ÿˆå ˆ½Å ƒ œ í Ê ˆ½Å Ÿ œ Ä í Ä 2 5 ˆ½Å ú œ Ÿ º ½ Ê ˆÅú ˆºÅ œ Ÿ º ½ ƒ œ ˆÅ íú À ] ½ ˆÅ ½ œ Ê ú ú Ÿ Á í ú Š Ÿ úµ Š íˆå Ê ˆÅ ½ ú ½ œ š ˆÅ ½ ˆÅ ºœ Ÿ ˆÅ œ í ½ ˆ½Å 4, 28 ½ ž ú š ˆÅ Š íˆå ½ ˆÊŠĈŠ³Åœ ½ œ ½ Ÿ»í Ê ˆÅ ½ \, ] Ÿ, µ, š œ ½ µ, µ \ ºˆÅ ú» Ÿ œ Ê ] ½ ˆÅƒÄ œ ½ œ œ ˆÅ ½ Ÿ Ê Ÿ ˆÅ ½ íÿ ÿˆå ½ ˆÅ ½ ˆÅ ÿ ˆ ÅŠ, ˆÅ Ä š ½ ûå ½ Ÿ ½ ½ ] Š \ º³Å ˆÅ ú Ÿ ½ ˆ½Å œ \ ˆ½Å œ ½ Š ˆÅú ˆÅ ûå œ» ĈŠƒ ½Ÿ ˆÅ í ] ½ ˆÅ ½ œ Ê Ê ½ Ä 2 5 ˆ½Å 58,2 7 ˆÅ ½ õ Åœ ˆ½Å ½ ½ ˆÅ, ] ½ ˆÅ Ä ˆ½Å 38,973 ˆÅ ½ õ Åœ ˆ½Å ½ ½ ½ 49 œ š ˆÅ í ž ú ½ ÿˆå ž ˆÅ ˆÅú ˆÅƒÄ Ÿ ] ˆÅ ˆÅ µ ½] Ê ˆ½Å ˆÅ Ä Ÿ Ê ½ Š ½ í œ š Ÿ ú ] š ½] ˆ½Å Š Ä ž ú ½ ÿˆå ½ 3 Ÿ \ Ä 2 ˆÅ 5.32 ˆÅ ½ õ ½ ½ ½ œ Š íˆå Ê ˆÅ ½ 4.2 ˆÅ ½ õ Åœ ½ ½ ˆÅ Ä ] ú ˆÅ ƒ Ÿ Ê ½ š ˆÅ ˆÅ Ä ½ ˆ½Å ºŠ ÄŸ ½ Ê Ÿ Ê ] ú ˆÅ Š Ÿ» \ ÿˆå ] Ÿ ½ ½ Ê Ÿ Ê ž ú íºƒä, ] ½ ½ Ä ˆ½Å 7.28 ˆÅ ½ õ ½ Ä 2 5 Ÿ Ê 9.28 ˆÅ ½ õ í ½ Š ÿˆå Ä 992 Ÿ Ê í Ÿ»í Ê ˆÅú œ ˆ½Å Ÿ ½ íú í Ÿ»í ÿˆå µ ½] ˆÅ Ä ÅŸ Ÿ Ê Å ³Åœ ½ íž Š ˆÅ í í 3 Ÿ \ Ä 2 ˆÅ ½ ÿˆå ž ú ½ ÿˆå í ú œ ½ Ä 2 5

115 BUSINESS RESPONSIBILITY REPORT Windmill capacity aggregating 15 MW for captive use of clean power has been installed by the Bank s branches/offices in Maharashtra, Gujarat and Tamil Nadu. To reduce the overall energy consumption, several in-house energy efficiency initiatives have been undertaken like switchover to LED lights, installation of star rated ACs, and solar powered water heating. The Bank has endorsed the International Financial Institution s Statement on Energy Efficiency Finance which was presented at the climate change conference in Paris, in November December 2015 by the European Bank for Reconstruction & Development. In recognition of the leading role in renewable energy financing, the Bank received the Outstanding Performance Award 2015 from the Government of India. Principle 7: Responsibility with respect to Advocating Public Policy The Bank s participation in public policy-making process is multi-layered. At the leadership level, the Top Management meets regularly with Policy makers and regulatory authorities. At the policy development level, top executives meet with regulators, governments and government agencies on issues relevant to the financial services industry. This engagement takes a number of forms, including participation in government advisory bodies. The Bank has been an active member of various banking and finance-related trade bodies, chambers and associations. Some of the major associations which SBI is a part of, are listed hereunder: Indian Banks Association (IBA), Foreign Exchange Dealers Association of India (FEDAI), Fixed Income Money Market and Derivatives Association (FIMMDA), The Bank is also associated with ASSOCHAM, CII etc. The Bank s advocacy of policy has been for the overall benefit of the society, and does not serve any sectarian interest. Principle 8: Enabling Inclusive Growth and Equitable Development SBI has been proactively contributing to the Financial Inclusion Plan in many different ways. Section 4.1 of the Sustainability Report is dedicated to these initiatives of the Bank. Some of the key highlights for in three key domains are listed here. The Business Correspondent (BC) model is a novel alternative way of providing access to financial services to both urban and rural customers. Over 64,628 Customer Service Points across the country help the economically marginalized groups to avail different products and services such as savings, term deposits, micro loans, remittances, loan repayments and micro-pension. The Bank has successfully leveraged technology for propagating Financial Inclusion by introducing Internet based Kiosk Banking, Card based and Cell phone messaging channels. Business Correspondents handled transactions worth Rs 58,217 Crores in ; a 49% increase from Rs. 38,973 Crores in SBI is at the forefront of implementing many social welfare schemes of the government. Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), SBI has opened 5.32 Crores accounts up to 31st March, 2016 and issued 4.21 Crores Rupay debit cards to eligible customers. A substantial number of these cards were issued in some of the most challenging areas of the country. Basic Savings Bank Deposit/ Small accounts witnessed a significant growth from 7.28 Crores in , to 9.28 Crores in ,628 Customer Service Points State Bank of India Sustainability Report

116 œ ½ Ä >`5,400 ˆÅ ½ 3 2 í Ÿ í ½ ˆÅ ½ í Ÿ»í Ê, ] Ÿ Ê ½ 9.42 œ Ÿ í í Ÿ»í í, ˆÅ ½ 5,495 ˆÅ ½ õ Åœ ˆ½Å µ ½ˆÅ í Ÿ»í ˆ½Å œ ½ µ ˆ½Å Ÿ Ÿ ½ Ÿ Ê ] Š µ ú í í Š Ÿ úµ ½Š Ê ˆÅ ½ ÿ ˆ ÅŠ ½ œ š ˆÅ ½ ˆ½Å ½ Ÿ ½ ú, œ ½ Š ˆÅú š \ ½ œ Š ] ½ ½ ½ íº ÿˆå š Ÿ Ä ž ºŠ œ µ ú, \ ƒä ˆ½Å ƒä ú, ƒä Ÿ œ ú,» Ÿ ú Ÿ, œ š Ÿ ú ] š ½] ˆ½Å í \ ÿˆå ½ Á œ ž µ ú ú ú ú ú ú ž ºŠ ] ½ ˆÅƒÄ ƒä œ í º³Å ˆÅ œ í À Š íˆå Ê ˆÅú ½ ˆÅ ½ Ÿ ½ ˆÅú œ Å ] Ê Ÿ Ê ] ž ú õ í ½ ú í, íê ú Ÿ, ú ú Ÿ ú ƒæ, \ \ ½ˆÅ Áœ ÁÆ Ÿ ú, ˆÅ ½ œ ºˆÅ œ Á ƒ œ ½ ½ ½ ˆ½Å ƒ ½ º š ºÆ œ ú ú œ ] ½ ˆÅ œ ˆÅ \ Ÿ ú œ š ˆÅ Š íÿ ÿˆå ½ ž ú õ œ š Ÿ Ê ºš, œ ú Ÿ ½ Ÿ œ ½ ½ Š Ÿ Ÿ Ê ˆÅŸ ú ½ ˆ½Å ½ ½ Š íˆå ºž» ˆ Å œ ½] úƒäƒäœ ú º³Å ˆÅú í 3 Ÿ \ Ä 2 ˆÅ 3, Š íˆå ºž» ˆ Å œ ½] ˆ½Å Š Ä ú ƒä µ ] œ ½ ûå Ÿ Ä ½ Åú ˆÅ ½ ½ œ Ê ˆ½Å œ ½ µ ˆ½Å ÿˆå ½ ƒä Ÿ Á Ä Ÿ ƒä Ÿ ˆÅ ˆÅ ½ Ÿ ½ ú œ º³Å ˆÅ í ˆÅ íú ] Š í Á ƒ ˆÅ Ê ] Ä ˆÅ ½ ˆ½Å Ÿ š ˆ½Å ½ úˆ Å ˆÅ Ÿ ˆ½Å ½ ½ š ˆÅ œ š œ µ ú ú Ÿ ˆÅú œ º Ä \ ˆÅú Š ƒä í ½ º³Å ˆÅ Š Ÿ Ê ˆÅ ÿˆå ˆ½Å œ ˆÄÅ ˆÊÅ ˆ½Å ½ Åú œ œ ˆÄÅ ˆÅ ½, ÿˆå ˆÅú ½ ƒ ½ Á ƒ œ ƒä Ÿ ½ ž ½] ½ ˆÅ Ä ˆÅ ½ í œœ ú Ÿ ½ ž ½] ½ ] ½ ˆÅƒÄ \ Ê ˆ½Å ] Š íˆå œ ú ˆÅ Ê ] Ä ˆÅ ˆÅ ½ íÿ Æ Ê Ÿ Ê ˆÅúˆ Å œ Æ œ š œ µ ú Æ» Ÿ Š íˆå œ»\ º³Å ˆÅú ˆÅ µ Š ú ˆÅ ½ ½Š ûåú ž ú õ œ š ˆÅ ] ˆ½Å š ˆÅ ž ú õ ž õ Ÿ Ê ƒä ú ] ˆ½Å ½ Ê ˆ½Å µ, ĈŠœ ½ Ä Ÿ ½, Ê œ ] ½ ž Ÿ ½ ½ š ½ š ˆÅ Ê ½ ˆÅ Ê ˆÅú ˆÅ Ê ˆ½Å Ÿ š ˆ½Å ½ š ˆÅ š Ÿ ] ½ œ» Ä Ÿ Ê ½ Ä ˆÅú ½ š ˆÅ ½ ˆÅ Ä ˆÅ Ÿ ˆÅí ] ] ½ 3 ] ú 2 ˆÅ ½ Š ˆÅú Š ƒä ú Š ˆÅú Š ƒä ƒ Ä Ÿ ½ ½ š ˆÅ ½ ½ 85 ˆÅ ½ ƒä ½ Ÿ š ˆÅ Š ÿˆå Š íˆå Ê ˆÅú š ˆÅ ˆÅ Ê Ä 2 5 ˆ½Å œ œ 27 4 ˆÅ Ê Ÿ Ê ½ 25 5 ˆÅ Ê Ä 95 œ ˆÅ Ÿ š 3 Ê ˆÅú Ÿ úÿ ˆÅú º Ÿ Ê ú œ í Ê ˆÅú š Ÿ Ê íú ˆÅ í í ƒ ˆ½Å íú ÿˆå ú Ÿ š ú ˆÅ Ê ˆÅ Ÿ š ž ú Ä ÿˆå š Ä 7 Ê Ÿ Ê íú ˆÅ œ í ÿˆå Ÿ Ê œ ½ˆÅ Ÿ íú ½ ˆÅú 5 ú ˆÅ ½ Š íˆå Ÿ ] í, ] ˆÅ ½ƒÄ ž ú Š íˆå œ» Ä ºŸ ˆ½Å œ š ˆÅ ½ Ÿ ˆÅ í œ ½ˆÅ Ÿ íú ½ Ÿ Ê Š íˆå ½ ˆÅ Ê ˆÅ ½] ˆÅ ] í, ] Ÿ Ê ˆÅ œ Ê ˆÅ Ÿ ú Š íˆå í ½ ½ íÿ œ ½ˆÅ Ÿ íú Ÿ Ê Š íˆå š ˆÅ Ä ÅŸ ž ú ½ ] ˆÅ ] í ÿˆå Ÿ Ê ˆÅ Ÿ š œ µ ú ú Ÿ Ÿ ˆÅ Á ƒ º š œ š í, ] í Š íˆå œ ú ˆÅ Ê ] Ä ˆÅ ˆÅ ½ íÿ ƒ ž ú œ Ê ½ íÿ Ê Š íˆå º ˆ½Å ˆ½Å ½ Ÿ Ê œ Äœ ûåú ˆÅ œ œ ˆÅ ½ Ÿ Ê í Ÿ ú í 114 ž ú ½ ÿˆå í ú œ ½ Ä 2 5

117 BUSINESS RESPONSIBILITY REPORT Since its inception in 1992, the Bank has actively participated in SHG-Bank Credit linkage programme. As of 31st March, 2016, the Bank is the market leader in SHG financing with a credit deployment of Rs. 5,495 Crores to 3.62 lakhs SHGs, 90.42% of which are women SHGs. Continued focus on the development of innovative, technology enabled channels for delivering banking services among the rural populace has resulted in the successful launch of several new initiatives like Aadhaar Enabled Payment Systems, automated e-kyc, Immediate Payment Server, Micro ATM rollout, Savings Bank Account with Overdraft (SB- OD) facility under PMJDY and Direct Benefit Transfer (DBT/DBTL) payments. Principle 9: Providing Value to Customers in a responsible manner Process Innovation Branches with adequate footfall now have the provision for alternate channel machines viz. ATM, CDM / Recycler, Automatic Cheque Drop Box Machine (ACDM), SWAYAM bar coded passbook printer and internet enabled PC with printer for online opening of accounts. SBI rolled out Customer Experience Excellence Project (CEEP) with an aim at better crowd management, reduction in wait times and overall reduction in the service time (processing time). By 31st March 2016, there were 3,006 branches under CEEP. SBI has also designed e-smart SME - a pioneering innovative product for financing merchants selling through e-commerce platforms. A dedicated Customer Care Cell, Bank s Web based Complaint Management System (CMS), has been redesigned and launched as a single online Grievance Lodging and Redressal System for the Bank. Customers can lodge their grievances through various channels, including written complaints at a branch, by calling at the toll free number of Bank s Contact Centre, online, through the Bank s website, s or by sending a SMS message UNHAPPY to a specified number. SBI has introduced Integrated Queue Management System (QMS) and customer feedback tab to these branches for better crowd management through real time monitoring and branch choreography to tackle peak level rush. Stakeholders Relationship Committee (SRC) [earlier known as Shareholders / Investors Grievance Committee of the Board (SIGCB), formed on the 30th January 2001] was formed to look into the redressal of shareholders and investors complaints regarding transfer of shares, non-receipt of annual report, non-receipt of interest on bonds/ declared dividends, etc. During the year 1085 grievances from shareholders were received and all were redressed. The Bank has been able to redress majority of the customer s grievances (2565 out of 2704 complaints i.e. 95% of the complaints received during the year ) within a period of three weeks of complaints as against the time limit of 30 days. The Bank has also been able to resolve almost all ATM related complaints within the RBI stipulated period of 7 days. The Bank observes 15th of every month as Customer Day wherein every customer can meet the Branch Manager without any prior appointment, conducts a Customer Service meeting every month where in one pensioner and one reputed customer are members, conducts a Customer Relations Programme every quarter and has an online facility, Complaint Management System (CMS) for customers to lodge their complaints. All these measures help us get adequate feedback about the level of customer satisfaction. >`5,400 crore to 3.62 lakh Self Help Groups State Bank of India Sustainability Report

118 Mr. P.K. Gupta, MD(C&R) at the launch of e-smart SME Mrs. Arundati Bhattacharya, Chairman, SBI and Mr. V.G. Kannan, MD(A & S), SBI during the donation of Equipment to Rotary Institute for Children, Thiruvananthapuram

119 Donation of Wheelchairs under CSR Activity to Beli Hospital at Allahabad on Mrs. Arundhati Bhattacharya, Chairman, SBI; Mr. Ashwini Mehra, DMD & CDO, SBI; and Mrs. Sanjukta Raiguru, MD & CEO, SBI Foundation, along with officials from Indian Cancer Society, inaugurating the Cancer Detection Van (Hope Express) donated by SBI.

120 ½ ÿˆå ž ˆÅ œ ½ ½ ˆ½ ÅÍ, Ÿ Ÿ ˆÅ Ÿ Ÿ Š Ä, Ÿ º ƒä, Ÿ í «ï theofficialsbi Follow us on : statebankofindiaofficial