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

2. 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
(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

3. 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

4. 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’ billion account benchmark

5. 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

6. 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

7. 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 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

8. 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

9. 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

10. 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

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

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

13. Internet Banking: Re-engineering Application & Deployment Architecture

14. Internet Banking: Re-engineering Web & Application Layers

15. Internet Banking: Re-engineering Application & Deployment Architecture

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

17. Branch Applications Virtualization
Current State
Future State