SBI Digitization - @Scale SHIV KUMAR BHASIN, CTO, STATE BANK OF INDIA

Large Bank : Building a robust, scalable banking platform 30,00,00,00,000*+ Core Banking System transactions per annum 650+ Million Accounts 350+ Million Customers 25+ Million Internet Banking Users 23,000+ Branches 59,000+ CSP 15+ Million Mobile Banking Users 01-03-1842 (1st client of 1st russia bank( about 50% of national retail deposits, 30% of corporate credit 3 times larger by assets than VTB, Russia’s second largest, and 4.5 times larger than GazpromBank, Russia’s third by size a top 100 world bank by assets and capital a top 100 world bank by brand value (MBO), ahead of GS, MS and JPM MCap at USD 80 bn, comparable to Credit Suisse and SocGen 57.6% of equity owned by Central Bank of Russia, 7.58% set to be privatized this year SBRF is Russian top equity by liquidity at exchanges 70% of Russians are with Sberbank 55,000+ ATM’s 300,000+ POS Machines 290+ Million Debit Cards * 30 billion

Key Drivers & Performance Governance Architecture & Performance Governance Capacity Readiness Adaptive Architecture Architecture Enhancements Performance Tuning Development Data Management High Availability Testing Production Support Scalable Application Components Resilience & Fault Recovery Benchmarking Monitoring

Dec’2016 - 2 billion account benchmark Capacity Readiness - Benchmark Benchmark 1 75 million accounts 19 million txns 800 TPS Benchmark 3 500 million accounts 125 million txns 10,000 TPS Benchmark 4 1 billion accounts 250 million txns 17000 TPS 2002 2012 2007 2006 Benchmark 2 100 million accounts 25 million txns 1500 TPS Benchmark Takeaways Deployment Architecture Optimized Parameters System Enhancements Dec’2016 - 2 billion account benchmark

Overall Architecture External Systems – NPCI, NSDL , SnapDeal etc Middle Ware – Integration https,soap,xml Branches Each has a Hosted Web Server that interacts with CBS application servers Channels INB, ATM, Contact Centre, Financial Inclusion SBI Departments PSG, Special Projects File Integration* File Integration* Message STP Message STP File integration involves exchange of bulk payment files posted by bank Distribution of various reports to branches and departments based on business need App1 server App2 server App3 server App4 server App5 server App6 server App7 server App8 server App9 server DB1 server DB2 server DB3 server RAC interconnect RAC interconnect

Third Party Integration Adaptive Architecture - SBI API-fication Unified Message Format for Transactions as Secured Web Services Master Transactions 1 Fund Transfers SOA Principle to enforce modularity, encapsulation, standardized data exchange and reusability 50 CBS transactions encapsulated as 5 master transactions All Integrations Using Web Services - (Unified Message) 2 Cheques & Instruments BaNCS Link INB ATM Third Party Integration 3 Account Maintenance Web Services (Unified Message) 4 Real Time Payments Ease of Deploying New Process through composition and orchestration 5 Enquiry CBS Backend With – Interface End Points

SBI Overall Production Size at End of FY (TB) SBI Data Management – Data Archival Released 64 TB of Space through Archival SBI grows upward by 20 TB per year Archival offsets 16-17 TB per year Archived Data Maintained in Compressed form yielding 32% compression ratio Key Archival Principles Design Solution without need for downtimes Minimal overhead on production performance Keep archival transparent to end users Keep tab on growth rates of different objects 33 43 49 57 60 64 SBI Overall Production Size at End of FY (TB) Continuous archival has controlled the exponential Production Database growth

High Availability – Three Way DR Near Hot Site – 20 km from Primary GITC Replication - Primary to Near Hot Site Rabale Near ZERO data loss, 1 hour RTO Vashi Enable Near Hot Site Chennai Architecture Enhanced to support enquiry at hot site

Scalable & Resilient Application Components Scalable Components Failover Ability Automated Operations Restartability Each layer of architecture is benchmarked for scale Designed to utilize the entire available compute infrastructure Configurable load throttle mechanism available at each layer Components Designed to automatically failover across application clusters in event of failure Deployment architecture powers failover across servers without impacting end customer Operations managed through Autosys Deployment complexity is transparent to end user Automation extended to areas of release and configuration management Automated disaster recovery and maintenance activities All batch jobs designed to resume from point of failure Minimal intervention required in event of failure Minimized probability of manual error

Large Bank advertisement on July 1st 2016 – Banks Foundation Day SBI “Banker to Digital India” Digital Voucher Service Improvement by 30% Social Banking Banking for millennial TScribe KYC Compliance time reduced by 90% Video Statement Animated voice based statement Large Bank advertisement on July 1st 2016 – Banks Foundation Day

SBI “Banker to Digital India” - Internet Banking – Exponential Growth

SBI “Banker to Digital India” - Internet Banking – Exponential Growth :

Internet Banking: Re-engineering Application & Deployment Architecture

Internet Banking: Re-engineering Web & Application Layers

Internet Banking: Re-engineering Application & Deployment Architecture

Branch Applications Virtualization Co-hosted in the Data Center CBS Host Branch Servers on virtualized converged Infra

Branch Applications Virtualization Current State Future State