1

STATE BANK OF INDIA OFFICERS SERVICE RULES : PRELIMINARY 1.1 SHORT TITLE AND COMMENCEMENT 1.2 OFFICERS TO WHOM THE RULES SHALL APPLY 1.3 DEFINITIONS APPOINTMENT/PROBATION AND CONFIRMATION 2.1 APPOINTMENT 2.2 PROBATION 2.3 CONFIRMATION 2.4 SCREENING FOR CONFIRMATION IN MMGS-II ANNEXURES SCREENING FOR CONFIRMATION IN MMGS-II

SUPERVISING STAFF PROMOTION POLICY 3.1 GENERAL 3.2 PROMOTION POLICY FOR GENERAL CADRE OFFICERS FOR PROMOTIONS UPTOSMGS-V 3.3 EXEMPTION FROM RURAL SERVICE 3.4 DEBARMENT POLICY (SEALED COVER PROCEDURE) 3.5 APPEALS AGAINST NON-PROMOTION 3.6 MISCELLANEOUS ISSUES RELATING TO PROMOTIONS UPTO SMGS-V 3.7 EXECUTIVE SELECTION SYSTEM (ESS) 3.8 STAFF SUPERVISING : SPECIALIST OFFICERS PROMOTION POLICY FOR SPECIALIST(NON BANKING) CADRE FOR PROMOTIONS UPTO SMGS-V ANNEXURES 3.1LETTER TO BE GIVEN TO CANDIDATES QUALIFYING FOR INTERVIEW UNDER BOTH CHANNELS, VIZ. NORMAL AND FAST TRACK CHANNELS 3.2 LETTER TO BE GIVEN BY ELIGIBLE OFFICERS WHO DO NOT PROPOSE TO TAKEPART IN THE PROMOTION PROCESS 3.3 LETTER TO BE GIVEN BY OFFICERS WHO REFUSE FURTHER PROMOTIONS 3.4 DETAILS OF SCORING SYSTEM FOR PROMOTION TO MMGS-II

3.5 DETAILS OF SCORING SYSTEM FOR PROMOTION TO MMGS-III/IV/V 3.6 PROMOTING & APPELLATE AUTHORITIES 3.7 PROMOTION POLICY FOR PROMOTION FROM JMGS-I TO MMGS-II EFFECTIVEFROM THE PROMOTION YEAR 2003-04 3.8 REVISED PROMOTION POLICY FOR PROMOTION FROM MMGS-II TO MMGSIII EFFECTIVE FROM THE PROMOTION YEAR 2003-04- FAST TRACK 3.9 REVISED PROMOTION POLICY FOR PROMOTION FROM MMGS-III TO SMGSIVEFFECTIVE FROM THE PROMOTION YEAR 2003-04- FAST TRACK 3

3.10 REVISED PROMOTION POLICY FOR PROMOTION FROM SMGS-IV TO SMGSVEFFECTIVE FROM THE PROMOTION YEAR 2003-04 3.11 CONSTITUTION OF INTERVIEW COMMITTEE 3.12 INTER-SE SENIORITY 3.13 UGC RECOGNISED IMPORTANT UNIVERSITIES & INSTITUTIONS 3.14 INSTITUTES ESTABLISHED UNDER STATE LEGISLATIVE ACT 3.15 LETTER TO BE GIVEN BY ELIGIBLE SPECIALIST OFFICERS WHO DO NOTPROPOSE TO TAKE PART IN THE PROMOTION PROCESS 3.16 LETTER TO BE GIVEN BY SPECIALIST OFFICERS WHO REFUSE FURTHERPROMOTIONS 3.17 PROMOTION APPRAISAL FORM SPECIALIST (NON BANKING) CADRE 3.18 WORKING SHEET FOR PROMOTION 3.19

SPECIALIST (NON-BANKING) CADRE PROMOTING & APPELLATE AUTHORITIES 3.20 SPECIALIST (NON BANKING) CADRE -REVISED PROMOTION POLICY 3.21 PATTERN OF WRITTEN TEST FOR PROMOTION FROM I TO II NORMAL CHANNEL 3.22 PATTERN OF WRITTEN TEST FOR PROMOTION FROM I TO II FAST TRACKCHANNEL 3.23 PATTERN OF WRITTEN TEST FOR PROMOTION FROM II TO III NORMAL CHANNEL 3.24 PATTERN OF WRITTEN TEST FOR PROMOTION FROM II TO III FAST TRACKCHANNEL 3.25 PATTERN OF WRITTEN TEST FOR PROMOTION FROM III TO IV FAST TRACKCHANNEL 3.26 PATTERN OF WRITTEN TEST FOR PROMOTION FROM SM IV TO SM V FASTTRACK CHANNEL3.26.1 PROMOTION APPRAISAL FORM SMGS IV & V 3.27 FAST TRACK CHANNEL FOR PROMOTION TO TEG SCALE-VI 3.28PROMOTION APPRAISAL FORM PROMOTION TO TOP EXECUTIVEGRADES (DEPUTY GENERAL MANAGER-FAST TRACK CHANNEL )3.29PROMOTION APPRAISAL FORM PROMOTION TO TOP EXECUTIVEGRADES (DGM/GM/CGM) SENIORITY RETIREMENT, VOLUNTARY RETIREMENT AND RELATED MATTERS 5.1

RETIREMENT 5.2 EMPLOYMENT AFTER RETIREMENT 5.2.1 PARAMETERS REQUIRED TO BE CONSIDERED 5.2.2 PROCEDURE 5.2.3 GENERAL GUIDELINES 5.2.4 VOLUNTARY RETIREMENT/RESIGNATION WHILE ON DEPUTATION 5.3 EXPEDITIOUS SETTLEMENT OF TERMINAL DUES 5.4 TIME NORMS IN CASE OF VOLUNTARY RETIREMENTS/RESIGNATION AND EXITOPTION 5.5 QUALITY OF WORK LIFE, PRESENTATION OF MEMENTO ON RETIREMENT 5.6 ISSUANCE OF SERVICE CERTIFICATE TO EX-OFFICERS ANNEXURES 4

SANCTION OF RETIREMENTDESIGNATED AUTHORITY FOR ISSUING APPRECIATION LETTER ON RETIREMENTAMENDMENT TO RULE 11 OF IMPERIAL BANK OF INDIA EMPLOYEES' PENSION &GUARANTEE FUND RULES & REGULATIONSAMENDMENT TO RULE 15 OF SBI EMPLOYEES PENSION FUND RULES STATE BANK OF INDIA EMPLOYEES PENSION FUND RULES AMENDMENTVOLUNTARY RETIREMENT/RESIGNATIONFORMAT FOR SANCTION OF VOLUNTARY RETIREMENT I RESIGNATION STATEBANK OF INDIAFORMAT OF APPLICATION FOR SEEKING VOLUNTARY RETIREMENT/RESIGNATIONFROM BANKS SERVICE PERFORMA FOR SUBMITTING APPLICATION FOR ISSUANCE OF SERVICECERTIFICATE SERVICE CERTIFICATESERVICE CERTIFICATEAMENDMENT TO RULE 19 OF SBI EPF RULES Amendment dated 27.11.1995 STATE BANK OF INDIA EMPLOYEES PENSION FUND RULES

EXTENSION IN SERVICE 6. 1 GENERAL RULES 6.2 STAGES FOR GRANTING EXTENSION 6.3 PROCEDURE FOR REVIEW 6.4 CRITERIA FOR GRANT OF EXTENSION IN SERVICE OR OTHERWISE 6.5 REVIEW COMMITTEE 6.6 SYSTEM OF REVIEW FOR GRANT OF EXTENSION IN SERVICE 6.7 PERIOD FOR WHICH EXTENSION OF SERVICE SHOULD BE GRANTED 6.8 ADVICE TO OFFICERS REGARDING GRANT OF EXTENSION IN SERVICE 6.9 APPEAL AGAINST NON-GRANT OF EXTENSION IN SERVICE OR REVOCATION OFEXTENSION IN SERVICE ALREADY GRANTED ANNEXURES 6.1Structure of review committee/com petent authority/appellate authority 6.2 Performa for Extension of Service 6.3 Performa for appeal for extension in service TERMINATION OF SERVICE AND RESIGNATION 7.1

TERMINATION 7.2 PROCEDURE FOR PROCESSING RESIGNATIONS 7.3 OFFICERS UNDER OBLIGATION 5

7.4 MISCELLANEOUS ANNEXURES DRAFT LETTER FOR ACCEPTANCE OF RESIGNATION PLACEMENT, TRANSFER AND JOB FAMILIES 8.1 PLACEMENT OF OFFICERS : SERVICE RULES 8.2 POLICY REGARDING PLACEMENT OF OFFICERS IN JMGS-I ACCOUNTS AND CASHWINGS 8.2.1 SALIENT FEATURES 8.2.2 CRITERIA FOR POSTING 8.2.3

MISCELLANEOUS 8.2.4 DUTIES OF CASH OFFICERS 8.2.5 TRAINING 8.2.6 CATEGORISATION OF POSITIONS 8.2.7 CUSTODY OF KEYS 8.3 PLACEMENT NORMS 8.3.1 PROMOTIONS FROM JMGS-I TO MMGS-II 8.3.2 PROMOTIONS FROM MMGS-II TO MMGS-III 8.3.3 PROMOTIONS FROM MMGS-III TO SMGS-IV 8.3.4 PROMOTIONS FROM MSGS-IV TO MSGS-V 8.3.5 PROMOTIONS FROM SMGS-V TO TEGS VI 8.4 TRANSFER POLICY 8.4.1 OBJECTIVES OF TRANSFER POLICY 8.4.2 SCOPE OF THE POLICY

8.4.3 DEFINITION OF TRANSFER 8.4.4 TRANSFER POLICY 8.4.5 DIFFICULT CENTRE 8.4.6 ACTUAL POSTINGS 8.4.7 LADY OFFICERS 8.4.8 REQUEST TRANSFERS 8.4.9 ADMINISTRATIVE TRANSFERS 8.4.10 MISCELLANEOUS PROVISIONS 8.5 INTER CIRCLE TRANSFER 8.5.1 15-IN-A-YEAR POLICY 8.5.2 OUT-OF-TURN BASIS 8.5.3 MUTUAL TRANSFERS 8.6 INTER CIRCLE TRANSFER POLICY FOR OFFICERS IN SMG 8.6.1

REPATRIATION OF OFFICERS 8.7 TRANSFER POLICY FOR SPECIALIST OFFICERS 8.8 JOINING TIME ON TRANSFER 6

8.9 SPECILISATION IN IDENTIFIED FUNCTIONAL BANKING AREAS IMPLEMENTATION OFSCHEME OF JOB FAMILIES 8.9.1 INTRODUCTION OF CONCEPT OF JOB FAMILIES 8.9.2 IDENTIFICATION OF SKILLED/SPECILIZED ROLES 8.9.3 ELIGIBILITY AND METHOD OF SELECTION 8.9.4 PLACEMENT OF SELECTED OFFICERS 8.9.5 EXIT FROM JOB FAMILY 8.9.6 GENERAL 8.9.7 CONSTITUTION OF CIRCLE LEVEL SELECTION COMMITTEE ANNEXURES

8.1 APPLICATION FOR INTER MODULE TRANSFER 8.2 PARTICULARS TO BE FURNISHED WHILE APPLYING FOR INTER MODULETRANSFER ON COMPASSIONATE GROUND 8.3 FORMAT FOR FURNISHING BIO-DATA OF OFFICERS ELIGIBLE FOR INTERCIRCLE TRANSFER 8.4 FORMAT FOR SUBMISSION OF RECOMMENDATIONS FOR INTERCIRCLETRANSFER 8.5 FOREIGN OFFICE-WISE DETAILS OF ELIGIBLE POSITIONS INCLUDED ASQUALIFYING ASSIGNMENTS FOR PRO MOTION TO SMGS IV / TEGS VI 8.6 LIST OF SPECIALISED ROLES IN JOB FAMILIES 8.7 FORMAT FOR INDICATING PREFERENCE FOR ABSORPTION IN A JOB FAMILY 8.8 FORMAT FOR SUBMITTING RECOMMENDATIONS FOR SELECTION IN A JOBFAMILY 8.9 LIST OF OFFICERS HAVING OPTED FOR THE JOB FAMILY 8.10 TO BE COMPLETED IN RESPECT OF OFFICERS PLACED IN A JOB FAMILYPOSITION 8.11 QUALIFICATIONS OBTAINED FROM UNIVERSITIES AND INSTITUTIONS FALLING INTHE UNDER NOTED CATEGORY SHALL BE CONSIDERED FOR AWARDING SCOR E

MISCELLANEOUS MATTERS RELATED TO SPECIALIST CADRE 9.1 CONVERSION FROM GENERAL CADRE TO SPECIALIST CADRE 9.2 CONVERSION FROM SPECIALIST CADRE TO SPECIALIST CADRE 9.3 TRANSFER POLICY FOR SPECIALIST OFFICERS 9.4 RATIONALIZATION OF DESIGNATIONS OF SPECIALIST OFFICERS 9.5 RECRUITMENT OF AGRICULTURE SPECIALISTS ON CONTRACT BASIS 9.5.1 TERMS & CONDITIONS OF APPOINTMENT 9.5.2 TECHNICAL OFFICERS FARM SECTOR/OFFICERS (MARKETING & RECOVERY) FARM SECTOR AUTHORITY STRUCTURE FOR RELEASE OF ANNUALINCREMENTS POSTED AT LHO 9.5.3 ANNUAL PACKAGE OF TECHNICAL OFFICER-FARM SECTOR 9.5.4 ANNUAL PACKAGE OF MARKETING & RECOVERY OFFICER 9.5.5 SPECIALIST OFFICERS IN FARM SECTOR APPOINTMENT AND EXTENSION OFCONTRACT ANNEXURES 9.1 RECOMMENDATION FOR CONVERSION FROM OFFICER IN GENERAL CADRE TOSPECIALIST OFFICER 7

9.2 RECOMMENDATION FOR CONVERSION FROM ONE SPECIALIST CATEGORY TOANOTHER SPECIALIST CATEGORY 9.3 APPLICATION FORM FOR CONVERSION FROM GENERAL TO SPECIALIST OR FROMONE SPECIALIST CATEGORY TO ANOTHER 9.4 RATIONALISATION OF DESIGNATIONS OF SPECIALIST OFFICERS 9.5 TERMS AND CONDITIONS GOVERNING CONTRACTUAL APPOINTMENT OF OFFICERS(MARKETING & SALES) - FARM SECTOR 9.6 ROLE OF THE MARKETING AND RECOVERY OFFICERS 10ANNUAL APPRAISAL REPORT (AAR) 10.1 INTRODUCTION 10.2 SALIENT FEATURES OF THE ANNUAL APPRAISAL REPORT SYSTEM

10.3 ANNUAL APPRAISAL REPORT FORMATS (AARF) SUMMARY 10.4 INSTRUCTIONS FOR FILLING THE FORMAT 10.4.1 AAR FORM I (BIO-DATA) 10.4.2 AAR FORM-II (SELF APPRAISAL) 10.4.3 AAR FORM III/III-A (ANNUAL ASSIGNMENT REPORT) 10.4.3.1 FORM III PART A (DATA-BASED BUSINESS PERFORMANCE) 10.4.3.2 FORM III-A PART A (KEY RESPONSIBILITY AREAS (KRAS)) 10.4.3.3 FORM III/III-A PAR B (QUALITATIVE ASPECTS)10.4.4.1DATA REGARDING RENEWAL/SANCTION OF ADVANCES10.4.4.2ADDITION OF COLUMN ON SC/ST/WEAKER SECTIONS10.4.4.3AAR FORM IV/IV-A10.4.4.4PART A (ATTRIBUTES-BASED APPRAISAL)10.4.4.5PART B (GENERAL COMMENTS)10.4.4.5INSTRUCTIONS FOR GUIDANCE OF REPORTING AUTHORITY IN RESPECT OFATTRIBUTES-BASED APPRAISAL 10.4.5 REPORTING STRUCTURE 10.4.5.1 VARIOUS ROLES AND RELEVANT KEY RESPONSIBILITY AREAS GUIDELINESFOR PERFORMANCE BASED APPRAISAL 10.4.5.2 BRANCH LEVEL ROLES 10.4.5.3 ZONAL OFFICE LEVEL ROLES

10.4.5.4 LOCAL HEAD OFFICE LEVEL ROLES 10.5 GUIDELINES FOR REVIEWING AUTHORITY 10.6 BALANCED RANKING 10.7 THE REPORTING AND REVIEW STRUCTURE IN RESPECT OF ALL THE OFFICERS OFTHE BANK POSTED IN VARIOUS OFFICES AND CAPACITIES 10.8 GENERAL 10.8.1 CHANGE OF REPORTING OFFICIAL DURING THE REPORTING YEAR 10.8.2 PROTECTION OF JUNIOR OFFICIALS AGAINST VINDICTIVE ACTIONS10.9CONFIDENTIAL REPORTS BY BRANCH INSPECTORS ANNEXURES 10.1 KRAs for branch level roles 10.2 KRAs for Zonal Office level roles 10.3 KRAs for Local Head Office level roles 10.4 ANNUAL APPRAISAL REPORT 10.5 SELF APPRAISAL 8

10.6 Performa of AAR Form III 10.7 Performa of AAR Form III-A 10.8

Performa of AAR Form IV 10.9 Performa of AAR FORM IV-A 10.10 Performa of AAR Form V 10.11 REPORTING STRUCTURE IN RESPECT OF BRANCH MANAGERS 10.12 REPORTING STRUCTURE IN RESPECT OF MANAGERS OF DIVISIONS INBRANCHES 10.13 REPORTING STRUCTURE IN RESPECT OF OTHER OFFICERS WORKING ATBRANCHES (NON DIVISIONAL ISED) 10.14 REPORTING STRUCTURE IN RESPECT OF OTHER OFFICERS IN ADIVISIONALISED BRANCH 10.15 REPORTING STRUCTURE IN RESPECT OF OFFICERS WORKING IN ZONALOFFICES 10.16 OFFICERS WORKING AT LOCAL HEAD OFFICES 10.17 REPORTING STRUCTURE IN RESPECT OF OFFICERS WORKING IN CC ANDCC ESTABLISHMENTS 10.18 REPORTING STRUCTURE IN RESPECT OF OFFICERS WORKING INCORPORATE ACCOUNTS GROUP, PROJECT FINANCE (SBU), LEASING(SBU) 10.19 REPORTING STRUCTURE IN RESPECT OF GENERAL MANAGERS 10.20

REPORTING STRUCTURE IN RESPECT OF CHIEF GENERAL MANAGERS 10.21 REPORTING STRUCTURE IN RESPECT OF DY. MANAGING DIRECTORS &GROUP EXECUTIVES AND CHIEF VIGILANCE OFFICER SALARY 11.1 GRADES AND SCALES OF PAY 11.1.1 EFFECTIVE DATE OF THE SALARY AGREEMENT DATED 01.11.2002 11.2 INCREMENTS 11.2.1 INCREMENT/PROFESSIONAL QUALIFICATION PAY ON PASSING CAIIB/JAIIB 11.2.2 INCREMENTS FOR PASSING CAIIB EXAMINATION FOR PO/TO 11.2.3 RELEASE OF ANNUAL INCREMENTS 11.2.4 EFFECT OF PUNISHMENT ON DATE OF INCREMENT 11.2.5 PROFESSIONAL QUALIFICATION PAY/STAGNATION INCREMENT : SANCTION UNDER DIFFERENT CIRCUMSTANCES 11.2.6 PROCEDURE TO BE FOLLOWED IN CASE OF MALPRACTICES DURING THEEXAMINATION 11.2.7 STAGNATION INCREMENTS/MOVEMENT 11.2.7.1

STAGNATION INCREMENT FOR OFFICERS IN JMGS-I AND MMGS II 11.2.7.2 SECOND STAGNATION INCREMENT IN SCALE III 11.2.7.3 STAGNATION INCREMENTS/MOVEMENT IN CASE OF OFFICERS WHO HAVEREFUSED PROMOTION/HAVE BEEN DEBARRED FROM PROMOTION 11.2.7.4 STAGNATION INCREMENT/MOVEMENT IN CASE OF OFFICERS WHO HAVESOUGHT REVERSION 11.2.8 RELEASE OF INCREMENTS FOR THE PERIOD UNDER SUSPENSION UPONREINSTATEMENT 11.3 FITMENT OF SALARY 11.3.1 SALARY REVISION FOR OFFICERS FROM JMGS I TO SMGS IV COMBINED FITMENTCHART AS ON 01.11.2002 9

11.3.1.1 CHART SHOWING THE FITMENT OF PAY SCALES IN RESPECT OF OFFICERS INSCALES v TO VII AS ON 01.11.2002 11.3.1.2 FITMENT OF OFFICERS IN TOP EXECUTIVE GRADE SPECIAL SCALE I & II ASON 01.11.2002 11.3.1.3 CHART SHOWING THE FITMENT OF PAY SCALES IN RESPECT OF OFFICERS INTEGSS I & II WITHOUT CAIIB QUALIFICATION AS ON 01.11.2002 11.3.1.4 CHART SHOWING THE FITMENT OF PAY SCALES IN RESPECT OF OFFICERS INTEGSS I & II WHO HAVE PASSED CAIIB PART I EXAMINATION AS ON 01.11.2002 11.3.1.5 CHART SHOWING THE FITMENT OF PAY SCALES IN RESPECT OF OFFICERS INTEGSS I & II WHO HAVE PASSED BOTH PARTS OF CAIIB EXAMINATION AS ON01.11.2002 11.4 FITMENT OF SALARY REVISION WITH EFFECT FROM 01.04,199811.4.1CHART SHOWING THE FITMENT OF PAY SCALES IN RESPECT OF OFFICERS IN SCALESV TO VII 11.5 PROCEDURE FOR FITMENT OF PAY OF OFFICERS ON PROMOTION FROM ONE SCALETO ANOTHER 11.5.1GRANTING OF ADVANCE COMPUTER INCREMENT/FPP

11.6 FITMENT CHART ON PROMOTION FOR OFFICERS PROMOTED FROM ONE SCALE TOANOTHER ON OR AFTER 01.11.2002 11.7 FITMENT FORMULA ON PROMOTION OF CLERICAL CADRE EMPLOYEES TO OFFICERS' CADRE IN JMGS I EFFECTIVE FROM 01.11.2002 11.7.1 FITMENT CHART ON PROMOTION TO JMGS I W.E.F. 01.11.2002 11.7.2 FITMENT ON PROMOTION TO JMGS I W.E.F. 01.11.1997 11.7.2.1 CHART SHOWING THE FITMENT OF EMPLOYEES HAVING DIFFERENTPROFESSIONAL QUALIFICATION 11.7.3 FITMENT - CLARIFICATION REGARDING ADJUSTING ALLOWANCE/FIXED PERSONALPAY 11.7.4 FITMENT ON HIGHER APPOINTMENT THROUGH DIRECT RECRUITMENT 11.8 PENDENCY/INITIATION OF DISCIPLINARY PROCEEDINGS 11.9 REFUSAL OF PROMOTION 11.10 OFFICERS UNDER SUSPENSION 11.11 FIXED PERSONAL PAY/ADVANCE INCREMENT 11.12 CLARIFICATIONS 11.13

EX-SERVICE OFFICER PENSIONERS JOINING IN OFFICERS CADRE 11.13.1 EX-EMERGENCY COMMISSIONED OFFICER/SHORT SERVICE COMMISSIONEDOFFICER - JOINING IN OFFICERS CADRE 11.13.2 FIXATION OF PAY OF RE-EMPLOYED PENSIONER 11.13.3 ITEM OF EMOLUMENTS ADMISSIBLE IN THE DEFENCE SERVICE WHICH WILLCONSTITUTE THE PRE-RETIREMENT PAY ANNEXURE C1. F6FITMENT OF EMPLOYEES HAVING DIFFERENT PROFESSIONAL QUALIFICATIONS 11.1 GRADING SHEET 11.2 FITMENT SHEET 11.3 FITMENT FOR PAY FIXATION OF EX-SERVICEMEN/EXECOS/SSCOSREEMPLOYED IN PUBLIC SECTOR BANKS 12PENSION, PROVIDENT FUND & GRATUITY 10

12.PENSION 12.1 PENSION ABLE SERVICE 12.1.1 MEMBERSHIP CLARIFICATION 12.1.2 SERVICE CONDITIONS FOR PAYMENT OF PENSION 12.1.3 PENSIONABLE SERVICE 12.1.4 REMOVAL FROM SERVICE 12.1.5 PAYMENT OF PENSION TO EX-SERVICEMEN EMPLOYEES 12.1.6 PENSION CEILING & COMPONENTS OF PENSION

12.1.7 COMPONENTS OF PENSIONABLE PAY 12.1.8 COMMUTATION OF PENSION 12.1.9 PRORATA OF PENSION 12.1.10 FAMILY PENSION 12.1.11 CALCULATION FORMULA OF DA ON FAMILY PENSION 12.2 MEMBERSHIP 12.2.1 APPLICATION FOR MEMBERSHIP 12.2.2 CHANGE IN THE NAME 12.2.3 CHANGE AFTER MARRIAGE 12.2.4 CONTRIBUTION 12.2.5 RATE OF INTEREST 12.2.6 ADDITIONAL CONTRIBUTION 12.2.7 IN CASE OF REDUCED PAY 12.2.8

PAYMENT OF PROVIDENT FUND BALANCE 12.2.9 CONTRIBUTION OF TRANSFERRED EMPLOYEES 12.2.10 LIABILITY TO THE BANK BY THE EMPLOYEE 12.2.11 MEMBERS WITH LESS THAN 5 YEARS SERVICE 12.2.12 NOMINATION 12.2.12.1 NOMINATION AND CHANGE OF NOMINATION IN FAVOUR OF FAMILYMEMBERS 12.2.12.2 DISTRIBUTION OF PERCENTAGE OF SHARE AMONG THE NOMINEES 12.2.12.3 NOMINATION IN FAVOUR OF WIFE/HUSBAND 12.2.12.4 CHANGE IN NAME OF SPOUSE 12.2.12.5 NOMINATION IN FAVOUR OF ADOPTED CHILD 12.2.13 LIABILITY BY AN EMPLOYEE AFTER DEATH 12.2.14 NOTING/CANCELLATION OF LINES 12.2.15 ADVANCE AGAINST MEMBER'S OWN CONTRIBUTION TO PROVIDENT FUND 12.2.15.1 AMOUNT OF ADVANCE

12.2.15.2 RECOVERY OF ADVANCE 12.2.16 WITHDRAWAL AGAINST MEMBER'S OWN CONTRIBUTION TO PF 12.2.16.1 WITHDRAWAL UNDER RULE 16(a) BUILDING OR ACQUIRING A HOUSE 12.2.16.2 COST OF HIGHER EDUCATION 12.2.16.3 DAUGHTER'S MARRIAGE 12.2.16.4 SON'S MARRIAGE 12.2.16.5 BUILDING OR ACQUIRING HOUSE UNDER BANK'S HOUSING SCHEME12.2.17CLEAN DEMAND LOAN AGAINST BANK'S CONTRIBUTION 12.3 GRATUITY 12.3.1 PROVISIONS 12.3.2 UNDER STATE BANK OF INDIA OFFICERS SERVICE RULES 11

12.3.3 CALCULATION OF GRATUITY 12.3.3.1 MINIMUM AMOUNT PAYABLE 12.3.4 WAGES CONSTITUTE 12.3.5 NOMINATION 12.3.6 COMPASSIONATE GRATUITY 12.2.6.1 COMPASSIONATE GRATUITY TO DEPENDANTS OF OFFICIALS WHO HAPPENTO DIE WHILE IN SERVICE 12.3.9 MISCELLANEOUS POINTS ABOUT TERMINAL BENEFITS ANNEXURE 12.1 PROVIDENT FUND FORM B 12.2 PROVIDENT FUND FORM A 12.3 FORM F-NOMINATION 12.4 NOTING OF LIEN

12.5 CANCELLATION OF LIEN 12.6 FORWARDING LETTER OF ADVANCE FROM PROVIDENT FUND 12.7 ADVANCE FROM PROVIDENT FUND 12.8 WITHDRAWAL FROM PROVIDENT FUND 12.9 FORWARDING LETTER OF WITHDRAWAL FROM PROVIDENT FUND 13ALLOWANCES 13.1 DEARNESS ALLOWANCE 13.2 HOUSE RENT ALLOWANCE 13.2.1 H.R.A. EFFECTIVE FROM 01.11.2002 13.2.2 RECOVERY OF HOUSE/FURNITURE RENT W.E.F. 1.11.1999 13.2.2.1 CALCULATION OF STANDARD RENT 13.2.3 PAYMENT OF HRA ON CAPITAL COST/RENT RECEIPT BASIS 13.2.3.1 COMPUTATION 13.2.3.2 RELATED MATTERS

13.2.3.3 DIFFICULT CENTRE : HRA ON CAPITAL COST BASIS 13.2.3.4 PAYMENT OF HRA ON CAPITAL COST BASIS TO OFFICERS POSTED FROMOUTSIDE THE CIRCLE TO PATNA/ BHUBANESWAR / NORTH EASTERN CIRCLES 13.2.4 STAY IN HOTEL/LODGING HOUSE : PAYMENT OF HRA 13.2.5 HRA WHERE SPOUSE IS ALSO EMPLOYED IN THE BANK 13.2.6 HOUSE RENT ALLOWANCE ON PERMANENT TRANSFER 13.2.7 HOUSE RENT ALLOWANCE TO OFFICERS ON LEAVE 13.2.8 HOUSE RENT ALLOWANCE TO OFFICERS UNDER SUSPENSION 13.2.9 INCOME TAX ON HOUSE RENT ALLOWANCE 13.2.10 SET OFF OF PERSONAL ALLOWANCE AGAINST HOUSE RENT ALLOWANCE 13.2.11 SANCTIONING AUTHORITY FOR HRA ON RENT RECEIPT BASIS 13.3 CITY COMPENSATORY ALLOWANCE 13.3.1 DEDUCTION OF INCOME TAX ON CCA 13.3.3 PAYMENT OF CCA TO OFFICERS ON LEAVE

13.3.4 PAYMENT OF CCA TO OFFICERS ON TRANSFER 13.3.5 RANKING OF CCA FOR THE PURPOSE OF OTHER ALLOWANCES/RETIREMENT 13.4 SPECIAL AREA ALLOWANCE 12

13.4.1DEDUCTION OF INCOME TAX ON SPECIAL AREA ALLOWANCE 13.5 PROJECT AREA COMPENSATORY ALLOWANCE 13.6 MID- ACADEMIC YEAR TRANSFER ALLOWANCE13.6.1DEDUCTION OF INCOME TAX ON MID ACADEMIC YEAR TRANSFER ALLOWANCE 13.7 DEPUTATION ALLOWANCE 13.7.1 DEPUTATION TO TERRITORIAL ARMY 13.7.2 STAFF REQUISITIONED FOR ELECTION DUTY/TRAINING FOR ELECTION. ADMISSIBILITY TO COMPENSATORY LEAVE,HALTING ALLOWANCE, OVERTIME AND OTHER FACILITIES 13.8 OFFICIATING ALLOWANCE 13.8.1

OFFICIATING IN HIGHER GRADE 13.8.2 PAYMENT OF ALLOWANCES/EXTENSION OF BENEFITS WHILE OFFICIATING INHIGHER POST 13.8.3 CATEGORISATION OF POSITION OF CASH OFFICER AS MMGS II OFFICIATINGALLOWANCE 13.8.4 RECOVERY OF OFFICIATING ALLOWANCE ON PROMOTION 13.8.5 GENERAL GUIDELINES FOR OFFICIATING DTCS ORDER 1979 PARA (vi) CA 40/89 13.8.6 WHEN MAY OFFICIATING BE PERMITTED ? 13.8.7 AUTHORITY STRUCTURE FO PERMITTING OFFICIATING 13.9 CLOSING ALLOWANCE 13.10 SPLIT DUTY ALLOWANCE 13.11 HALTING ALLOWANCE 13.11.1 HALTING ALLOWANCE TO JOINT CUSTODIAN 13.11.2 H.A.: OFFICERS IN TEGSS I & II 13.11.3 SUPPLEMENTARY H.A. FOR INSPECTING OFFICIALS

13.11.4 GENERAL GUIDELINES FOR PAYING HALTING ALLOWANCE 13.11.5 HALTING ALLOWANCE ON PERMANENT TRANSFER 13.11.6 HALTING ALLOWANCE IN CASE OF EMERGENT PERMANENT TRANSFER 13.11.7 DEPUTATION/TRANSFER FROM ONE AREA TO ANOTHER 13.11.8 DEPUTATION WITH MUNICIPAL LIMITS 13.11.9 INCLUSION OF PANCHKULA & MOHALI AS PART OF URBANAGGLOMERATION OF CHANDIGARH 13.11.10 INCLUSION OF GURGAON URBAN AGGLOMERATION IN DELHI 13.11.11 OFFICERS POSTED AT DIFFICULT CENTRES 13.11.12 DEPUTATION TO RESIDENTIAL TRAINING CENTRE 13.11.13 DEPUTATION FOR OPENING NEW BRANCHES 13.11.14 HALTING ALLOWANCE AND REIMBURSEMENT OF ACTUALS TO PENSIONERS 13.11.15 CUSTODIAN OF VAULT/LOCKER 13.11.16 GRANT OF ADVANCE AGAINST HALTING ALLOWANCE

13.11.17 HA TO BMs APPEARING FOR IIB EXAMINATION AT OUT-STATION CENTRES 13.11.18 HALTING ALLOWANCE FOR PO/TO 13.11.19 HALTING ALLOWANCE PAYABLE WHILE STAYING AT HOUSE OF BANK'SCLIENTS AND PROSECUTION/DEFENCE WITNESS 13.11.20 HALTING ALLOWANCE PAYABLE ON DEPUTATION FOR CIVIL DEFENCEWORK 13.11.21 HALTING ALLOWANCE TO DEFENCE REPRESENTATIVES OF CHARGESHEETED OFFICIAL 13

13.11.22 HALTING ALLOWANCE : LEGAL PROCEEDINGS - HONOURABLY ACQUITTEDEMPLOYEE 13.11.23 HALTING ALLOWANCE : SUSPENDED EMPLOYEE HONOURABLYACQUITTED 13.11.24 PAYMENT OF HALTING ALLOWANCE DURING LEAVE PERIOD 13.12 HILL AND FUEL ALLOWANCE13.12.1DEDUCTION OF INCOME TAX ON HILL AND FUEL ALLOWANCE 13.13 DISCOMFORT ALLOWANCE 13.14 SPECIAL COMPENSATORY ALLOWANCE 13.15 MISCELLANEOUS INSTRUCTIONS13.15.1PAYMENT OF ALLOWANCE WHILE ON DEPUTATION 13.16

SPECIAL ALLOWANCE TO EX-DEFENCE PERSONNEL ANNEXURE 13.1 DECLARATION FOR CLAIMING MID-ACADEMIC YEAR TRANSFER ALLOWANCE 13.2 STATEMENT OF SPECIAL AREA ALLOWANCE PAYABLE AT VARIOUSCENTRES EXCEPT NORTH EAST CIRCLE 13.3 NORMS FOR MEASURING LIVING AREA 13.4 COMPUTATION OF STANDARD RENT 13.5 FORMAT OF LETTER TO BE USED BY OFFICERS FOR ADVISING LIVINGAREA 13.6 FORMAT FOR SANCTION OF STANDARD RENT 14TRAVELING, LODGING AND BOARDING EXPENSES 14.1MODE OF TRAVEL AND ENTITLED CLASS14.1.1TRAVEL BY PRIVATE AIR-TAXI14.1.2BOOKING /RESERVATION OF TICKETS : REIMBURSEMENT OF TRAVELLINGEXPENSES14.1.3LOCAL TRANSPORT, PORTERAGE, BED ROLL ETC.14.2TRAVEL BY OWN VEHICLE14.3TRAVEL BY TAXI14.3.1CONVEYANCE CHARGES DURING OUTSTATION DEPUTATION14.4TRAVEL BY OTHER MODES14.5INSURANCE COVER DURING TRAVEL ON DUTY14.6REIMBURSEMENT OF TRAVELLING EXPENSES ON PERMANENT TRANSFER 14.6.1. REIMBURSEMENT OF EXPENSES INCURRED ON TRANSPORTATION OF LUGGAGE ATTHE TIME OF TRANSFER 14.6.1.1AMENDMENT IN RULE 42(2)(ii) OF SBIOSR, 199214.6.2TRANSPORTATION OF BAGGAGE IN CASE OF HILLY AREAS/N.E. CIRCLE14.6.3TRANSPORTATION OF VEHICLES14.6.4INCIDENTAL EXPENSES ON TRANSFER (W.E.F. 1.5.2005)14.6.5SHIFTING THE FAMILY TO A PLACE OTHER THAN THE PLACE OF POSTING14.6.6TRANSFER AT REQUEST AND TEMPORARY TRANSFER 14.6.7REIMBURSEMENT OF TRAVELLING EXPENSES TO PO/TO/SPECIALIST OFFICERS14.6.8TRANSFER OF PO/TO ;

TRANSPORTATION OF LUGGAGE14.7OFFICERS DEPUTED TO INSPECTION DEPARTMENT14.8TRANSFER OF OFFICERS FROM INDIA TO FOREIGN OFFICES14.8.1 STAFF INDIA BASED : REIMBURSEMENT OF TRAVELING EXPENSES PRIOR TOFOREIGN POSTING 14

14.8.2STAFF INDIA BASED : REIMBURSEMENT OF TRAVELLING EXPENSES ONREPATRIATION14.9TRAVELLING EXPENSES ON RETIREMENT /DEATH OF THE OFFICER WHILE INSERVICE14.9.1EXTENSION IN PERIOD FOR AVAILING THE FACILITY14.10TRAVELLING ALLOWANCE ON REMOVAL14.11RECALL FROM LEAVE14.12OFFICERS NOMINATED AS DIRECTORS OF VARIOUS INSTITUTIONS14.13OFFICERS DEPUTED TO DISTRICT INDUSTRIES CENTRE14.14BRANCH MANAGERS APPEARING IN IIB EXAMINATIONS14.15OFFICERS ACQUITTED IN LEGAL PROCEEDINGS14.16DEPARTMENTAL ENQUIRIES14.16.1EMPLOYEES UNDER SUSPENSION14.16.2DEFENCE REPRESENTATIVES14.16.3DEFENCE WITNESS14.17HALTING ALLOWANCE/REIMBURSEMENT OF LODGING EXPENSES TOREPRESENTATIVES OF OFFICERS' FEDERATION14.18ADVANCE AGAINST TRAVELLING EXPENSES AND SUBMISSION OF BILLS14.19SANCTIONING AUTHORITY14.20BANK'S VISITING OFFICERS' FLATS/GUEST ROOMS14.20.1 NOTICE TO BE DISPLAYED IN VISITING OFFICERS' FLATS/GUEST ROOMS14.21REIMBURSEMENT OF HOTEL (LODGING) AND BOARDING EXPENSES14.21.1REIMBURSEMENT OF HOTEL EXPENSES14.21.2REIMBURSEMENT OF BOARDING EXPENSES ANNEXURE 14.1 LIST OF VISITING OFFICERS FLATS/GUEST ROOMS 14.2 REGISTER TO BE MAINTAINED AT THE GUEST ROOMS/VISITING OFFICERS FLATS 14.3 FORMAT OF RECEIPT 14.4 FORMAT OF TRAVELING EXPENSES BILL(ON ACCOUNT OF DEPUTATION) 14.5 FORMAT OF TRAVELING EXPENSES BILL (ON ACCOUNT OF TRANSFER) 15 REIMBURSEMENT OF CONVEYANCE EXPENSES INCURRED FOR OFFICIAL PURPOSES 15.0 GENERAL15.1REIMBURSEMENT ON MONETARY CEILING BASIS

15.1.1. REIMBURSEMENT OF ACTUAL EXPENDITURE ON HIRED CONVEYANCE 15.2 REIMBURSEMENT ON ACTUAL CONSUMPTION BASIS 15.2.1 REIMBURSEMENT OF COST OF HIGH-OCTANE FUEL/OIL 15.2.2 ACCUMULATION OF UNAVAILED PETROL QUOTA 15.3 REIMBURSEMENT OF CONVEYANCE EXPENSES WHILE OFFICIATING IN HIGHER CAPACITY 15.4 REIMBURSEMENT OF CONVEYANCE EXPENSES WHILE ON LEAVE/DEPUTATION 15.5 REIMBURSEMENT OF CONVEYANCE EXPENSES WHEN THE JOURNEY EXCEEDS 8KMS. 15.6 MISCELLANEOUS GUIDELINES15.6.1MAINTENANCE OF LOG BOOK FOR CARS/VEHICLES PROVIDED BY BANK 15.7 REIMBURSEMENT OF CONVEYANCE EXPENSES TO SPECIALIST OFFICERS 15.8 REIMBURSEMENT OF SALARY PAID TO DRIVERS HIRED BY GENERALMANAGERS/OFFICERS IN TEGSS I & II 15.8.1 RECOVERY OF AMOUNT OF USE OF BANK'S CAR FOR PERSONAL USE 15

15.8.2 PROVISION OF BANK'S CAR FOR PERSONAL PURPOSES OUTSIDE HEADQUARTER WHEN ON HTC/LTC 15.8.3 USE OF OFFICIAL CAR AT A PLACE OTHER THAN HEADQUARTERS ANNEXURE 15.1MONETARY CEILINGS ON REIMBURSEMENT OF EXPENSES TO THOSEOFFICERS WHO MAINTAIN VEHICLES AND CLAIM ON CERTIFICATE BASIS15.2ACTUAL RECEIPT BASIS (REVISED W.E.F 1/11/20006 REIMBURSEMENT OFPETROL EXPENSES ON PRODUCTION OF ACTUAL

RECEIPTS FOR THEOFFICERS MAINTAINING VEHICLES 15.3 SPECIMEN OF FORM FOR CLAIMING CONVEYANCE EXPENSES 15.4 FORMAT FOR MAINTENANCE OF LOG BOOK FOR CAR/VEHICLESPROVIDED BY BANK 16LEAVE RULES 16.0 GENERAL 16.1 KINDS OF LEAVE 16.2 SANCTIONING AUTHORITY16.1CASUAL LEAVE 16.2 PRIVILEGE LEAVE16.2.1ACCUMULATION OF PRIVILEGE LEAVE 16.3 SICK LEAVE 16.4 STUDY LEAVE 16.5 MATERNITY LEAVE 16.6 EXTRAORDINARY LEAVE ON LOSS OF PAY 16.7 SPECIAL CASUAL LEAVE/SPECIAL LEAVE/DUTY LEAVE 16.7.1 SPECIAL CASUAL LEAVE 16.7.1.1

BLOOD DONATION 16.7.1.2 WORKING FOR ST. JOHN AMBULANCE BRIGADE 16.7.1.3 DISABLED EX-SERVICEMEN FOR VISITING ARTIFICIAL LIMB CENTRE 16.7.1.4 FAMILY PLANNING OPERATION 16.7.1.5 FOR JOINING AUXILIARY POLICE ORGANISATIONS 16.7.1.6 FOR EXERCISING FRANCHISE DURING GENERAL/BY-ELECTION TO LOK SABHA / STATE ASSEMBLIES 16.7.2 FOR SPORTSMEN 16.7.2.1 OTHER SPORTS 16.7.3 SPECIAL LEAVE TO OFFICE BEARERS OF OFFICERS' ASSOCIATION 16.7.4 DUTY LEAVE TO DEFENCE REPRESENTATIVES/WITNESSES: DEPARTMENTALENQUIRY 16.8 RURAL SERVICE LEAVE 16.9 COMPENSATORY LEAVE 16.10 QUARANTINE LEAVE 16.11

ENCASHMENT OF LEAVE WHILE AVAILING LTC/HTC 16.11.1 CALCULATION OF THE PERIOD OF ENCASHMENT 16.11.2 ENCASHMENT OF LEAVE WHERE HUSBAND AND WIFE ARE EMPLOYEES OFTHE BANK 16.11.3 MISCELLANEOUS 16.12 ENCASHMENT OF LEAVE AT THE TIME OF SUPERANNUATION/DEATH 16

16.12.1 OFFICERS WHO DIE WHILE IN SERVICE 16.12.2 RETIRING OFFICERS 16.12.3 OFFICERS FACING DISCIPLINARY ACTION - PAYMENT OF LEAVE SALARY ONSUPERANNUATION 16.13 LEAVE TAKEN ON FALSE GROUNDS 16.14 LAPSE OF LEAVE 16.15 RECALL TO DUTY 16.16 FURNISHING LEAVE ADDRESS TO THE BANK 16.17 UNAUTHORISED ABSENCE FROM DUTY/OVERSTAYING LEAVE16.17.1 PROCEDURE TO BE FOLLOWED IN CASE OF UNAUTHORISED ABSENCE 16.18 ABSENCE OF EMPLOYEES ON ACCOUNT OF BUNDHS, STRIKE, CURFEW, ETC. 16.18.1

ABSENCE OF EMPLOYEE S ON ACCOUNT OF CURFEW 16.18.1.1 WHEN A BANK OFFICE IS KEPT CLOSED FOR THE DAY 16.18.1.2 WHEN A BANK OFFICE IS KEPT CLOSED FOR PART OF THE DAY 16.18.1.3 WHERE THE BANK OFFICE REMAINS OPEN 16.18.2 ABSENCE DUE TO NATURAL CALAMITIES OR CIVIL COMMOTION 16.18.3 ABSENCE DUE TO BANDH ETC 16.18.4 ABSENCE OF EMPLOYEES DURING STRIKE/AGITATION ETC 16.18.5 ABSENCE OF EMPLOYEES FOR THE PART OF THE DAY 16.19 MISCELLANEOUS 16.19.1 ELECTION DUTY - LEAVE NOT ELIGIBLE ANNEXURE 16.1LETTER IN DUPLICATE TO BE ADDRESSED BY THE BANK TO THE EMPLOYEEPERMITTING HIM TO PROCEED ON STUDY LEAVE16.2PERFORMA OF UNDERTAKING TO BE FURNISHED BY THE OFFICER WHO HASBEEN SANCTIONED STUDY LEAVE 16.3 SPECIMEN OF UNDERTAKING FOR TAKING SPECIAL CASUAL LEAVE FOR EXERCISING FRANCHISE16.4SPECIMEN OF 1 ST NOTICE TO BE SENT TO AN OFFICER WHO ISUNAUTHORISEDLY

ABSENT16.5SPECIMEN OF 2 ND NOTICE TO BE SENT TO AN OFFICER WHO ISUNAUTHORISEDLY ABSENT16.6FORMAT FOR ADVISING LEAVE PARTICULARS TO THE CONTROLLINGAUTHORITY OF THOSE EMPLOYEES WHO ARE PROMOTED TO THESUPERVISING STAFF CADRE 16.7 FORMAT FOR SUBMITTING RECOMMENDATIONS FOR GRANT OF STUDYLEAVE TO OFFICERS 17LEAVE TRAVEL/HOME TRAVEL CONCESSION 17.1 ELIGIBILITY 17.2 NATURE OF LEAVE WHILE AVAILING LTC/HTC 17.3 DESIGNATED PLACE 17.4 LONGER CIRCUITOUS/CONVENIENT ROUTE / TRAVELLING ABROAD 17.5 AVAILING OF LTC/HTC BY FAMILY SEPARATELY/ONLY 17.6 MISCELLANEOUS MODES / METHODS OF TRAVEL 17.6.1 TRAVEL BY HELICOPTER 17.6.2 TRAVEL BY OWN VEHICLE 17

17.6.3 TRAVEL UNDER SEASON/CIRCULAR TICKET 17.6.4 TRAVEL ALONGWITH SIGHTSEEING TOUR 17.6.5 TRAVEL BY AIR BETWEEN PLACES PARTLY CONNECTED BY AIR/STEAMER 17.6.6 USE OF PITHU/DOLI/PALKI

17.7 REIMBURSEMENT OF CONVEYANCE CHARGES 17.8 TRAVEL TO/FROM A PLACE OTHER THAN HEADQUARTER 17.9 AVAILING OF STUDENTS' CONCESSION BY CHILDREN 17.9.1 CONCESSION TO HANDICAPPED PERSONS 17.10 TRAVEL IN HILLY TERRAIN 17.11 ENTITLEMENT IN CASE OF CHILDREN BELOW 5 YEARS OF AGE 17.12 GRANT OF ADVANCE FOR LTC/HTC 17.12.1 ADVANCE FOR LTC/HTC FARE 17.12.2 GRANT OF ADVANCE PAYMENT OF SALARY 17.12.3 SUBMISSION OF BILL 17.12.4 RECOVERY OF ADVANCE GRANTED FOR AVAILING OF LTC/HTC 17.13 WHERE BOTH HUSBAND AND WIFE ARE EMPLOYED 17.13.1 WHERE THEY ARE EMPLOYED IN OUT BANK 17.13.2

WHERE HUSBAND OF A LADY OFFICER IS NOT EMPLOYED IN OUR BANK 17.14 COMPUTATION OF BLOCK PERIOD 17.14.1 IN RESPECT OF OFFICERS WHO JOINED BANK BEFORE 1.10.1979 17.14.2 IN RESPECT OF OFFICERS WHO JOINED BANK AFTER 1.10.1979 17.15 LTC FOR OFFICERS APPOINTED ON CONTRACT BASIS 17.16 LTC FOR INDIA BASED TRAINEE OFFICERS 17.17 AVAILING LTC WHEN FAMILY IS NOT RESIDING WITH THE OFFICER 17.18 AVAILING LTC WHILE TRAVELLING TO FOREIGN COUNTRIES 17.18.1 WHEN THE FINAL DESTINATION IS OUTSIDE INDIA 17.18.2 WHEN THE FINAL DESTINATION IS IN INDIA BUT TRAVEL ABROAD ISINVOLVED AS PART OF 1 CIRCUITOUS ROUTE 17.19 RECALL FROM LEAVE TAKEN FOR AVAILING LTC 17.20 CARRY OVER OF LTC AND ENCASHMENT BLOCK 17.21 ENCASHMENT OF LEAVE TRAVEL CONCESSION (LTC) 17.22 SUBMISSION OF FALSE BILLS

17.23 CHANGE IN PLACE OF DOMICILE 17.24 SANCTIONING AUTHORITY 17.25 INCOME TAX ON LEAVE TRAVEL CONCESSION 17.26 MISCELLANEOUS ANNEXURE 17.1 FORMAT FOR SUBMITTING LFC/HTCBILL 17.2 FORMAT OF APPLICATION FOR GRANT OF ADVANCE FOR LEAVEFARE CONCESSION 18MEDICAL AID 18.1 DEFINITIONS 18.1.1 CLARIFICATION 18.1.1.1 CHILDREN WHO RECEIVE SCHOLARSHIPS ETC 18

18.1.1.2 PARENTS OF MARRIED LADY OFFICERS 18.1.1.3 DEPENDENT PARENTS OF OFFICERS WHOSE BROTHER(S)/SISTER(S) AREALSO SERVING IN OUR BANK 18.1.1.4 OFFICERS WHOSE SPOUSE IS ENGAGED IN BUSINESS 18.2 MEDICAL BENEFITS18.2.1WHERE HUSBAND IS OFFICER AND WIFE AN

AWARD EMPLOYEE 18.3 TREATMENT BY A DOCTOR OTHER THAN AN AUTHORISED DOCTOR 18.4 VISITING AND CONSULTING CHARGES 18.5 CONSULTATION WITH SPECIALISTS 18.6 HOSPITALISATION18.6.1DIET CHARGES NOT REIMBURSABLE 18.7 ENGAGEMENT OF NURSES18.7.1MEDICAL EXPENSES OF KIDNEY DONORS 18.8 TREATMENT IN PLACES OTHER THAN THE HEADQUARTERS18.8.1SPECIFIED SERIOUS DISEASES OUTSTATION TREATMENT 18.9 TREATMENT BY PERSONS WHO HAVE NO DEGREE FROM RECOGNISED MEDICALCOLLEGE OR NON-RECOGNISED MEDICAL PRACTITIONERS 18.10 EXCLUSIONS FROM THE SCOPE OF THESE RULES18.10.1REIMBURSEMENT OF LABORATORY FEES 18.11 ADVANCE AGAINST MEDICAL EXPENSES18.11.1TREATMENT AT HOSPITAL WITH WHICH BANK HAS ARRANGEMENT - PRIOR SANCTION FOR EXPENSES NECESSARY 18.12 GENERAL INSTRUCTIONS REGARDING REIMBURSEMENT OF MEDICAL EXPENSES 18.13 OFFICERS UNDER SUSPENSION 18.14

HOMEOPATHIC/AYURVEDIC TREATMENT 18.15 PHYSIOTHERAPY TREATMENT 18.16 REIMBURSEMENT OF MEDICAL EXPENSES INCURRED ON NATUROPATHY 18.17 REIMBURSEMENT OF EXPENSES ON MEDICAL TREATMENT RELATING TOACUPUNCTURE /ACUPRESSURE 18.18 IMPORT OF DRUGS18.18.1USE OF CYPHER MEDICATED STENT 18.19 SUBMISSION OF MEDICAL BILLS AND SCRUTINY 18.19.1 SCRUTINY OF MEDICAL BILLS 18.19.2 SCRUTINY OF MEDICAL BILLS BY DIAGNOSTIC CENTRES/BANK'S MEDICALOFFICERS 18.20 RECOVERY OF INCOME TAX AT SOURCE 18.21 STANDARDISATION OF MEDICAL CHARGES 18.22 EXECUTIVE HEALTH SCHEME 18.22.1 COST CEILING 18.22.2 PACKAGE OF TESTS UNDER THE SCHEME 18.22.3

VALIDITY OF THE SCHEME 18.23 PROVISION OF GUEST HOUSE FOR OUR EMPLOYEE PATIENTS AND THEIR FAMILIESAT MUMBAI 18.24 REIMBURSEMENT OF MEDICAL EXPENSES TO RETIRED WHOLE TIME DIRECTORS ONBOARDS OF PUBLIC SECTOR BANK 18.24.1 ELIGIBILITY 18.24.2 COVERAGE 18.24.3 DATE OF EFFECT 18.24.4 OTHER GUIDELINES 19

18.24.5 MEDICAL BENEFITS 18.24.6 TREATMENT BY A DOCTOR OTHER THAN AUTHORISED DOCTOR 18.24.7 VISITING AND CONSULTING CHARGES 18.24.8 CONSULTATION WITH SPECIALISTS 18.24.9 HOSPITALISATION 18.24.10 ENGAGEMENT OF NURSES 18.24.11 TREATMENT AT A PLACE OTHER THAN THE HEADQUARTERS 18.24.12

GENERAL 18.24.13 EXCLUSIONS 18.25 SBI RETIRED EMPLOYEES MEDICAL BENEFITS SCHEME FORMATION OF TRUST ANDFRAMING OF RULES 18.25.1 BOARD OF TRUSTEES 18.25.2 CHAIRMAN OF THE BOARD OF TRUSTEES 18.25.3 OBJECTS OF THE TRUST 18.25.4 BENEFICIARIES OF THE MEDICAL BENEFIT SCHEME FRAMED UNDER THETRUST 18.25.5 AGE OF RETIREMENT 18.25.6 EXCLUSION 18.25.7 TRUST FUND 18.25.8 MEMBERSHIP CONTRIBUTION 18.25.9 BENEFITS UNDER MEDICAL BENEFIT SCHEME FRAMED UNDER THE TRUST 18.25.10 PROCEDURE FOR AVAILING THE BENEFITS UNDER THE SCHEME ANNEXURE

18.1 SCHEDULE OF CHARGES18.1(i)LIST OF CHARGES FOR SURGICAL OPERATIONS18.1(ii)SCHEDULE OF CHARGES(DENTAL)18.1(iii)TOTAL CHARGES OR IN SOME CASES PACKAGE DEAL CHARGES FOR MAJOR SURGERIES & PROCEDURES LIKE ANGIOGRAPHY'S ETC. ATDIFFERENT CENTRES18.1(iv)GRADATION OF OPERATIONS18.2LIST OF HOSPITALS RECOGNISED UNDER CENTRAL GOVERNMENTHEALTH SCHEME 18.3 APPLICATION FOR REIMBURSEMENT OF MEDICAL EXPENSESINCURRED IN RESPECT OF A SUPERVISING OFFICIAL AND/OR MEMBERS OF HIS FAMILY18.4SERIOUS DISEASES TO BE CONSIDERED IN TERMS OF PARA 18.218.5REIMBURSEMENT OF ADDITIONAL MEDICAL EXPENSES 18.6 APPLICATION FOR SBI RETIRED EMPLOYEES MEDICAL BENEFITTRUSE 19RESIDENTIAL ACCOMMODATION 19.0 GENERAL19.1ELIGIBILITY AND RENTAL CEILINGS19.1.1REIMBURSEMENT OF PARKING CHARGES FOR CARS 19.1.2 REIMBURSEMENT OF MAINTENANCE CHARGES 19.1.3 HIRING ACCOMMODATION AT RENTAL BEYOND CEILING 19.1.4 GENERAL PROVISIONS 19.2 CATEGORISATION OF CENTRES FOR THE PURPOSE OF RENTAL CEILINGS 20

19.3 RECOVERY FROM THE OFFICERS FOR RESIDENTIAL ACCOMMODATION PROVIDEDBY THE BANK 19.3.1 RATE OF RECOVERY 19.3.2 CALCULATION OF STANDARD RENT (W.E.F. 01.07.1998) 19.3.3 STANDARD RENT IN CASE OF HOSTEL ACCOMMODATION

19.3.4 STANDARD RENT FOR SERVANT QUARTERS/GARAGE 19.4 PROVISION OF LEASED/BANK'S ACCOMMODATION TO OFFICERS WHO OWNACCOMMODATION AT THE SAME CENTRE 19.4.1 HOUSES CONSTRUCTED UNDER COOPERATIVE HOUSING LOAN SCHEME 19.4.2 HOUSES CONSTRUCTED UNDER INDIVIDUAL HOUSING LOAN SCHEME 19.5 LEASING OF ACCOMMODATION OWNED BY RELATIVES 19.6 LEASING OF ACCOMMODATION OWNED BY EMPLOYEES 19.6.1 MAINTENANCE OF LEASED ACCOMMODATION TAKEN ON ECONOMIC RENT FROMSTAFF 19.7 RESIDENTIAL ACCOMMODATION AT VILLAGE/SAB BRANCHES 19.7.1 VILLAGE BRANCHES 19.7.2 SAB BRANCHES 19.8 PROJECT AREA CENTRES, TOURIST CENTRES, ETC. 19.9 RESIDENTIAL ACCOMMODATION FOR POs/TOs (INCLUDING SPECIALISTS) 19.10 RECOVERY OF HOUSE RENT ALLOWANCE: COMPOSITE PREMISES FOR

BRANCH/RESIDENCE19.10.1RENT CHARGEABLE FOR RESIDENCE IN CASE OF COMPOSITE PREMISES 19.11 RETENTION OF LEASED RESIDENTIAL ACCOMMODATION UNDER CERTAINCIRCUMSTANCES 19.11.1 RETENTION OF OFFICIAL ACCOMMODATION ON RETIREMENT/VOLUNTARYRETIREMENT 19.11.1.2 TELEPHONE 19.11.1.3 OFFICERS IN TEGS VI & ABOVE: PROVISION OF MOBILE HANDSET AFTER RETIREMENT 19.11.1.4 NEWSPAPERS, CLEANING MATERIAL, REIMBURSEMENT OF CASUAL LABOUR 19.11.1.5 OFFICE CAR 19.11.1.6 LIEN ON LEAVE ENCASHMENT 19.11.2 RESIGNATION 19.11.3 STUDY LEAVE 19.11.4 EXTRAORDINARY LEAVE ON LOSS OF PAY 19.11.5 DECEASED OFFICER 19.11.6

OFFICERS UNDER SUSPENSION 19.11.7 OFFICERS ON TRANSFER 19.11.7.1 RETENTION OF BANK'S FLAT ON TRANSFER 19.11.8 FACILITY OF LEASED ACCOMMODATION AT A PLACE OF CHOICE IN RESPECTOF OFFICERS JMGS-I TO MMGS-III 19.11.8.1 FACILITY OF LEASED ACCOMMODATION AT A PLACE FOR OFFICERS SMGS IV& V 19.11.8.2 PAYMENT OF HRA ON CAPITAL COST BASIS 19.11.9 ON DEPUTATION ON MOBILE DUTY TO INSPECTION & AUDIT OR CREDITAUDIT DEPTT. 19.11.10 DISMISSAL/REMOVAL FROM SERVICE 21

19.12 PROVISION OF LEASED ACCOMMODATION TO OFFICERS POSTED ATRURAL/DIFFICULT CENTRES19.12.1 NORMS FOR CATEGORISING A CENTRE AS "DIFFICULT" CENTRE 19.13 INCOME TAX : OFFICERS PROVIDED WITH RESIDENTIAL ACCOMMODATION BY THEBANK 19.14 EXPENSES INCURRED IN SHIFTING RESIDENCE WHEN OFFICIAL RESIDENCE IS NOTPROVIDED IN THE FIRST INSTANCE 19.15 UNAUTHORISED OCCUPATION OF RESIDENTIAL ACCOMMODATION 19.16 PROVISION OF FURNITURE AND FIXTURES 19.16.1 CLARIFICATIONS

19.16.1.1 AUTHORITY STRUCTURE FOR SANCTION OF ADVANCE AND PASSING OFENTRIES IN REGARD TO PURCHASES OF FURNITURE/FIXTURES 19.16.1.2 MISC. CLARIFICATIONS i) THE RECKONING DATE FOR FURNITURE/FIXTURE ii) PAYMENT OF THE LUMP SUM AMOUNT FOR REPAIRS ETC iii) TAXES iv) COMMON LIST OF ITEMS v) INSURANCE vi) OFFICERS ON PROBATION vii) RETIRING OFFICERS viii) CURTAINS, MATTRESSES AND CARPETS ix) TRANSFER OF OWNERSHIP x) RETIREMENT/EXIT OPTION ETC xi) NUMBER OF REQUEST FOR PURCHASE OF ITEMS xii)

SUPPLY FROM GODOWN xiii) REIMBURSEMENT FOR PURCHASES MADE FROM OWNRESOURCES xiv) IBTO/IBO xv) VERIFICATION OF ITEMS WHEN LEASED HOUSE ISPROVIDED AT A DIFFERENT CENTRE 19.17 ECONOMIC RENT OF HOUSES CONSTRUCTED BY AVAILING BANK'S STAFF HOUSINGLOAN 19.18.1 CALCULATION OF ECONOMIC RENT UNDER CO-OPERATIVE HOUSING LOANSCHEME 19.18.2 CALCULATION OF ECONOMIC RENT UNDER INDIVIDUAL HOUSING LOANSCHEME 19.18.3 POINTS TO BE NOTED WHILE CALCULATING ECONOMIC RENT 19.18.4 PROCEDURE OF VERIFICATION OF VARIOUS COMPONENTS OF THEECONOMIC RENT 19.18.5 CALCULATION OF ECONOMIC RENT IN THE EVENT OFADDITIONS/ALTERATIONS IN THE EXISTING BUILDING/FLAT 19.18.6 AUTHORITY COMPETENT TO CHECK AND APPROVE ECONOMIC RENT 19.19 REIMBURSEMENT OF CLEANING/DISINFECTING MATERIAL 19.19.1

LIST OF SUNDRY SANITARY ARTICLES 19.19.1.1 OFFICERS MMGS III & ABOVE 19.19.1.2 OFFICERS JMGS I & MMGS II 19.19.1.3 GENERAL 19.20 TELEPHONE FACILITY 22

19.20.1 RESIDENTIAL TELEPHONE 19.20.2 TELEPHONE SERVICES PROVIDED BY PRIVATE SERVICE PROVIDERS

19.20.3 MOBILE PHONE ANNEXURES 19.1 NORMS FOR MEASURING LIVING AREA 19.2 CALCULATION OF STANDARD RENT 19.3 FORMAT OF LETTER TO BE USED BY OFFICERS FOR ADVISING LIVING AREA 19.4 FORMAT FOR SANCTION OF STANDARD RENT 19.5 PERFORMA FOR PERMISSION TO RETAIN OFFICIAL ACCOMMODATION ATPREVIOUS PLACE OF POSTING 19.6 GAZETTE NOTIFICATION NO. 7(9) B.O. III/74 19.7 FORMAT OF UNDERTAKING TO VACATE LEASED ACCOMMODATION 19.8 INDIVIDUAL HOUSING SCHEME FOR THE EMPLOYEES - COMPUTATION OFCOMPENSATION EQUAL TO ECONOMIC RENT 19.9 CALCULATION OF ECONOMIC RENT AFTER GIVING FULL WEIGHTAGE OFADDITIONAL INVESTMENT ON 1ST FLOOR 19.10 FORMAT FOR TELEPHONE REGISTER 19.11 FORMAT FOR RECOMMENDATION FOR CATEGORISATION OF A CENTRE

AS"DIFFICULT" 19.12 FORMAT FOR OFFER FOR LEASING OF RESIDENTIAL ACCOMMODATION TOTHE BANK 19.13 TERMS & CONDITIONS 19.14 FORMAT FOR CLAIMING REIMBURSEMENT OF EXPENSES ON CLEANINGMATERIAL 19.15 LIST OF SPECIFIED CENTRES 19.16 APPLICATION FOR ADVANCE FOR PURCHASE OF BANK'SFURNITURE/FIXTURE AT RESIDENCE 19.17 ANNUAL POSSESSION CERTIFICATE 19.18 LIST OF FURNITURE/FIXTURE ITEMS FOR SCALE I TO SCALE V 19.19 PERMISSION TO AVAIL THE FACILITY OF LEASED ACCOMMODATION AT APLACE OF CHOICE 20ASSETS & LIABILITIES 20.1 SUBMISSION OF STATEMENT OF ASSETS & LIABILITIES 20.2 DATE OF ASSETS & LIABILITIES STATEMENT AND LAST DATE OF SUBMISSION 20.3 CUSTODY OF ASSETS & LIABILITIES STATEMENT

20.4 FORMAT FOR ASSETS & LIABILITIES STATEMENTS 20.5 ACQUISITION OF SHARES/DEBENTURES UNDER PROMOTERS'/EMPLOYEES' QUOTA 20.6 OTHER RULES 20.7 SCRUTINY AND SECRECY 20.8 CONFIRMATION IN BRANCH MANAGER'S MONTHLY CERTIFICATE 20.9 CLARIFICATION 20.9.1 WHAT IS MOVABLE PROPERTY? 20.9.2 NATURE OF INFORMATION TO BE INCORPORATED IN THE RETURN 20.9.3 WHY SHOULD AN OFFICER SUBMIT THE STATEMENTS? 20.10 STEPS TO BE TAKEN IN CASE OF NON-SUBMISSION OF THE STATEMENT 23

ANNEXURES 20.1 STATEMENT OF IMMOVABLE PROPERTY 20.2 STATEMENT OF ASSETS & LIABILITIES 20.3 DETAILED STATEMENT IN RESPECT OF SHARES/DEBENTURESPURCHASED UNDER PROMOTERS/EMPLOYEES' QUOTA 20.4 FORM FOR GIVING INTIMATION WHERE TOTAL TRANSACTION INSECURITIES, DEBENTURES & INVESTMENT IN MUTUAL FUND SCHEMESETC EXCEEDS RS. 25,000/- DURING THE YEAR 20.5

LETTER TO BE ADDRESSED TO OFFICIAL WHO HAVE DEFAULTED INSUBMITTING THE STATEMENT OF ASSETS & LIABILITIES ETC 21SBI OFFICERS SERVICE RULES AND SBI GENERAL REGULATIONS 21.1 GENERAL 21.2 ERRATUM IN SBI OSR RULE 5(2) 21.3 ENGAGING IN TRADE, BUSINESS, EMPLOYMENT, ACCEPTANCE OF FEE, ASSOCIATIONWITH NEWSPAPERS, OTHER COMMUNICATION SYSTEMS, ETC.21.4USE OF POSITION OR INFLUENCE IN MATTERS OF EMPLOYMENT, SANCTION OF LOAN, ETC. TO RELATIVES 21.5 EVIDENCE IN ENQUIRY, COMMITTEE, ETC. 21.6 RECEIVING COMPLIMENT ARIES, VALEDICTION, ETC.21.7ACCEPTANCE OF GIFT BY SELF AND FAMILY, AND DOWRY 21.8BRINGING POLITICAL OR OUTSIDE INFLUENCE 21.8.1 HOW TO DEAL WITH SUCH CASES21.9BORROWING, INCURRING DEBTS, BUYING AND SELLING SHARES, LENDINGMONEY, GUARANTEE, ETC.21.10DRAWING ADVANCE SALARY, DISCOUNTING CHEQUES, ACCEPTINGCONTRIBUTION, COLLECTING SUBSCRIPTION21.11SUBMISSION OF STATEMENT OF ASSETS & LIABILITIES21.12SECOND SPOUSE21.13DISCIPLINE AND APPEAL21.13.1MINOR PENALTIES21.13.2MAJOR PENALTIES 21.14 WAVING OF DOMESTIC ENQUIRY IN RESPECT OF MINOR PENALTY PROCEEDINGS 21.15 SUSPENSION21.16APPEAL AGAINST PUNISHMENT OR SUSPENSION, REVIEW, SERVICE OF ORDER, EXTENSION OF TIME LIMIT, ETC.21.16.1EFFECT OF DEATH ON APPEAL AGAINST PENALTY OF DISMISSAL, ETC.: 21.17SBI GENERAL REGULATIONS 195521.17.1AMENDED

REGULATION 55 APPROVED BY CENTRAL BOARD AT ITS MEETING DATED AUGUST 25, 1988 21.18DISCIPLINARY AUTHORITY IN CASE OF PROMOTEE OFFICERS FOR MISCONDUCT PRIOR TO PROMOTION ANNEXURES 21.1 AMENDED POSITION OF OTHER RELATED SERVICE RULES 22DELEGATION OF ADMINISTRATIVE POWERS 22.1 RULE 2(2) AND 2(3) OFFICERS TO WHOM OSR SHALL APPLY 24

22.2 AUTHORITY STRUCTURE FOR DECIDING DISCIPLINARY CASES IN RESPECT OFVARIOUS GRADES OF OFFICERS IN TERMS OF RULE 3(1) (H) OF SBI OFFICERSSERVICE RULES 22.3RULE 5(1) SANCTION OF INCREMENTS22.3.1RULE 5(1)(B) EFFICIENCY BAR 22.4RULE 6(1) CATEGORISATION OF POSTS (OTHER THAN SPECIALIST OFFICERS)22.5RULE 7(1) PLACEMENT 22.5.1IN CIRCLES/SBUS22.5.1.1OFFICERS IN JMGS I AND MMGS II22.5.1.2OFFICERS IN MMGS III22.5.1.3OFFICERS IN SMGS IV & V22.5.1.4OFFICERS IN TEGS VI & VII AND TEGSS I22.5.2IN CORPORATE CENTRE OR AT ESTABLISHMENTS UNDER C.C/GROUPHQ/SBU22.5.2.1IN OR UNDER I & MA DEPT.22.5.3INTER CIRCLE TRANSFER 22.5.4PLACEMENT IN FOREIGN OFFICES 22.5.4.1IBTOS 22.5.4.2 IBOS22.6RULE 8 OFFICIATING IN HIGHER GRADE22.6.1IN CIRCLES AND OTHER SBUS (ALL POWERS/SPECIFY WHAT POWERS NOT GIVEN) 22.6.2 IN OR AT ANY ESTABLISHMENT UNDER CORPORATE CENTRE/GROUP HQ 22.6.3 AT ALL OFFICES22.7RULE OSR 14(1) AUTHORITY FOR APPOINTMENTS IN / PROMOTION 22.7.1 APPELLATE AUTHORITY FOR APPEAL AGAINST NON-PROMOTION22.8RULE 15(3) PROBATION22.9RULE 16(1) & 16(2) CONFIRMATION IN SERVICE22.10RULE 19(1) AUTHORITY TO APPROVE EXTENSION OF SERVICE & AUTHORITY TOREFUSE EXTENSION AND CONSIDER APPEAL 22.10.1 RULE 19(1) 4TH PROVISO: APPROVAL OF VOLUNTARY RETIREMENT 22.10.2 RULE 19(3) CONTINUATION OF DISCIPLINARY PROCEEDINGS AFTER CEASINGTO BE IN SERVICE

22.11 RULE 20(1) RESIGNATION22.11.1RULE 20(2)(A) OFFICERS AGAINST WHOM DISCIPLINARY PROCEEDINGS ARE PENDING22.11.2RULE 20(2)(B) FINAL ORDERS22.12RULE 23(VI) OFFICIATING22.13RULE 25(4) RETENTION OF RESIDENTIAL ACCOMMODATION ON ACCOUNT OF TRANSFER 22.13.1FOR CIRCLES/CAG BRANCHES22.13.2FOR C.C. ESTABLISHMENTS 22.13.2.1FLATS IN MUMBAI22.13.2.2FLATS OUTSIDE MUMBAI 22.13.2.3 FOR OFFICERS TRANSFERRED TO CORPORATE CENTRE / CC ESTABLISHMENTS AND SUBSIDIARIES IN MUMBAI:22.14RULE 31 AUTHORITY TO GRANT LEAVE22.15RULE 37 SANCTION OF EXTRA-ORDINARY LEAVE ON LOSS OF PAY (NOT COUNTED AS SERVICE)22.15.1CONDONATION OF ABSENCE22.15.2RESTORATION OF SENIORITY IN DESERVING CASES22.15.3RULE 37(A) GRANT OF SPECIAL CASUAL LEAVE/ SPECIAL LEAVE22.16RULE 39 RECALL FROM DUTY22.17RULE 40(3) APPEAL AGAINST VOLUNTARY VACATION22.18RULE 41 MODE OF TRAVEL AND EXPENSES ON TRAVEL22.18.1RULE 41(1)(I) AIR TRAVEL BY JMGS I OFFICERS 25

22.18.2RULE 41(1)(II) AIR TRAVEL BY MMG OFFICERS FOR SHORTER DISTANCE22.18.3RULE 41(1)(V) TRAVEL BY TAXI/OWN VEHICLE 22.18.4 RULE 41(4)(G) PAYMENT OF HALTING ALLOWANCE BEYOND 2 MONTHS OFDEPUTATION22.19` Rule 40(4) TAKING OVER PERIOD 22.20RULE 44(5) AUTHORITY TO PERMIT CARRY OVER OF LTC BLOCK 22.20.1IN CIRCLES22.20.2IN C.C OR ESTABLISHMENTS/GROUP HQ/SBU22.20.3ALL OFFICES22.21RULE 45 MEMBERSHIP OF PROVIDENT FUND AND PENSION FUND22.22RULE 51 ENGAGING IN TRADE, BUSINESS, EMPLOYMENT, ACCEPTANCE OF FEE, ASSOCIATION WITH NEWSPAPER, OTHER COMMUNICATION SYSTEMS, ETC.22.22.1RULE 51(1) ENGAGING IN TRADE, ETC. 22.22.2RULE 51(2) RECEIVING REPORT22.22.3RULE 51(3) PROMOTION OF COMPANY22.22.4RULE 51(4) ACCEPTING HONORARIUM, ETC 22.22.5RULE 51(6) EDITING OF PUBLICATION, ETC.22.23RULE 52(2) USE OF POSITION OR INFLUENCE IN MATTERS OF EMPLOYMENT, SANCTION OF LOAN, ETC. TO RELATIVES22.24RULE 54(A)(1) EVIDENCE IN INQUIRY, COMMITTEE, ETC.22.25RULE 55(1) RECEIVING COMPLIMENTARIES, VALEDICTION, ETC.22.26RULE 56 ACCEPTANCE OF GIFT BY SELF AND FAMILY, AND DOWRY22.26.1RULE 56 (2 & 3) RECEIVING OF REPORT OF GIFTS, ETC. IN CASE OF OCCASIONS22.26.2RULE 56(4) RECEIVING OF REPORT OF GIFTS, ETC. IN OTHER CASES22.27RULE 59 GUARANTEEING

PECUNIARY OBLIGATIONS OF OTHERS22.28RULE 60 DRAWING ADVANCE SALARY, DISCOUNTING CHEQUES, ACCEPTING CONTRIBUTION, COLLECTING SUBSCRIPTION22.28.1RULE 60(1) ADVANCE SALARY22.28.2RULE 60(3) RAISING FUNDS, ETC.22.28.3RULE 60(4) CANVASS FOR MEMBERSHIP, ETC22.29RULE 62 STATEMENT OF ASSETS AND LIABILITIES22.29.1RULE 62(3) RECEIVING INTIMATION REGARDING PROPERTY, ETC22.29.2PROVISO TO RULE 62(3) PREVIOUS SANCTION 22.29.3RULE 62(4) RECEIVING REPORT OF TRANSACTION OF PROPERTY, ETC.22.29.4PROVISO TO RULE 62(4)22.30RULE 64 SECOND SPOUSE22.31RULE 68(A)(7)(I) SUBSISTENCE ALLOWANCE 23DELEGATION OF ADMINISTRATIVE POWERS MISCELLANEOUSMATTERS 23.0 GENERAL 23.1 REIMBURSEMENT OF RECURRING EXPENDITURE OF BMS 23.2 RETENTION OF HOUSE/TELEPHONE/CAR ON SUPERANNUATION 23.3 RETENTION OF HOUSE ON DEATH 23.4 PAYMENT OF RENT HIGHER THAN CEILING 23.5 ADVANCE AGAINST MEDICAL EXPENSES 23.6 NO OBJECTION CERTIFICATE FOR PASSPORT 23.7 PERMISSION TO APPLY FOR JOB ELSEWHERE 23.8 AVAILING JOINING TIME LATER 23.9 INSTALLATION OF TELEPHONE AT RESIDENCE

23.10 CREATION OF POST OF SUBORDINATE STAFF 26

23.11 SETTLEMENT OF CIRCLE LEVEL STAFF BUDGET 23.12 INTER CIRCLE TRANSFER 23.13.1AWARD STAFF23.13.2SUPERVISING STAFF 23.14 RAVEL BY TAXI 23.15 PERMISSION TO JOINT COMPUTER/MANAGEMENT COURSES 23.16 PERMISSION TO PURSUE HIGHER STUDIES 23.17 IDENTIFICATION OF DIFFICULT CENTRE 23.18 SANCTION OF LOAN BEYOND DGMS POWERS 23.19 PROVISION OF FURNITURE FOR OFFICERS IN THEIR OWN HOUSE 23.20 VEHICLE LOAN-WAIVER OF 4 YEARS STIPULATION FOR NEXT LOAN 23.21 COMPASSIONATE APPOINTMENT 23.22 ENCASHMENT OF PRIVILEGE LEAVE BY LEGAL HEIRS 23.23 DEPUTATION OF OFFICERS

23.24 COMPENSATION FOR DEATH WHILE ON DUTY 23.25 APPOINTMENT OF SPORTSPERSON 23.26 GRANT OF SPECIAL LEAVE TO SPORTSPERSONS ANNEXURES 23.1 FORMAT FOR NO OBJECTION CERTIFICATE FOR PASSPORT 23.2 FORMAT OF FORWARDING LETTER TO BE GIVEN TO OFFICIALALONWITH NOC FOR PASSPORT 24MISCELLANEOUS PERQUISITES 24.1 REIMBURSEMENT OF NEWSPAPER/MAGAZINE EXPENSES24.1.1ELIGIBLE OFFICERS 24.1.2 PROCEDURE AND FORMAT24.2REIMBURSEMENT OF ENTERTAINMENT EXPENSES24.3REIMBURSEMENT OF OUT-OF-POCKET EXPENSES24.4PROVISION OF CARS FOR OFFICIAL/PERSONAL USE24.4.1ELIGIBILITY24.4.2REIMBURSEMENT OF SALARY PAID TO DRIVERS HIRED BY GENERALMANAGERS/OFFICERS IN TEGSS I & II 24.4.3 RECOVERY ON ACCOUNT OF USE OF BANKS CAR FOR PERSONAL USE 24.4.4 ONLY BANKS CAR TO BE USED FOR PERSONAL PURPOSES 24.4.5 USE OF OFFICIAL CAR AT A PLACE OTHER THAN HEADQUARTERS 24.4.6 INCOME TAX DEDUCTION AT SOURCE FOR THE PERQUISITE OF

CARS24.5REIMBURSEMENT OF DAILY WAGES TO OFFICERS IN SMGS IV AND ABOVE24.6REIMBURSEMENT OF EXPENSES ON CLOTHING SECURITY AND FIRE OFFICERS24.7TELEPHONE FACILITY FOR LIAISON OFFICER 24.8OUT OF POCKET EXPENSES INCURRED BY SECURITY/LIAISON OFFICERS 24.9 MISCELLANEOUS INSTRUCTIONS ANNEXURES 27

24.1 CERTIFICATE FOR CLAIMING REIMBURSEMENT OF EXPENDITUREINCURRED ON NEWSPAPER/MAGAZINE (FOR OFFICERS IN JMGS-I TO SMGS-V)24.2FORMAT FOR CLAIMING REIMBURSEMENT OF ENTERTAINMENT EXPENSES 25SCHEME OF DELEGATION OF FINANCIAL POWERS GENERAL MATTERS-2003 25.1 GENERAL 25.2 GENERAL GUIDELINES FOR EXERCISE OF POWERS ANNEXURES 25.1SCHEME OF DELEGATION OF FINANCIAL POWERS: GENERAL MATTERS OFFICIAL (INCLUDING BRANCH MANAGERS) OF THE GRADES OF ASSTT. GENERAL MANAGER AND ABOVE

25.2SCHEME OF DELEGATION OF FINANCIAL POWERS: GENERAL MATTERSOFFICIAL (INCLUDING BRANCH MANAGERS) OF THE GRADE OF CHIEFMANAGER TO ASSTT. MANAGER 26 LOANS AND ADVANCES 26.1 NON-SUBMISSION OF STATEMENT OF ASSETS & LIABILITIES RENDERS AN OFFICER INELIGIBLE FOR ADVANCES26.1.1.FESTIVAL ADVANCE INTRODUCTION26.2CONSUMER LOAN26.3VEHICLE LOAN 26.4.78 INDIVIDUAL HOUSING LOAN SCHEME26.5LOAN AGAINST PROVIDENT FUND26.6LOANS TO EMPLOYEES AFFECTED BY NATURAL CALAMITIES26.7AGRICULTURAL ADVANCES TO STAFF26.8PERSONAL LOAN SCHEME26.9LOANS/ADVANCES ON COMMERCIAL RATES26.10LOANS AVAILED FROM CO-OPERATIVE CREDIT SOCIETIES ANNEXURES CONTROL RETURN FOR STAFF ADVANCES 26.1 FORMAT FOR NOTING / CANCELING LIEN IN CASE OF STAFFADVANCES 26.2 FORMAT FOR APPLICATION FOR FESTIVAL ADVANCE26.4FORMAT OF APPLICATION FOR CONSUMER LOAN26.5HYPOTHECATION AGREEMENT FOR CONSUMER LOAN 26.7 FORM A 26.8 AGREEMENT FOR WAIVER OF COMPREHENSIVE INSURANCE INCASE OF PURCHASE OF CAR 26.9FORM B26.10LETTER OF AUTHORITY ADDRESSED TO TRUSTEES OF PROVIDENT FUND TOBE OBTAINED FROM THE EMPLOYEE26.11APPLICATION FORM FOR HOUSING LOAN26.12STATEMENT GIVING/SUBMITTING ALL THEINFORMATION/PAPERS/DOCUMENTS FOR AVAILMENT OF THE LOAN 28

26.13LETTER FROM SOCIETY / BUILDER REGARDING TITLE DEEDS, BORROWING,ETC.26.14VALUATION REPORT OF PROPERTY FROM GOVERNMENT APPROVED VALUERS26.15SPECIMEN OF MEMORANDUM OF TERM LOAN AGREEMENT IN RESPECT OFOFFICERS26.16SPECIMEN OF SUPPLEMENTARY MEMORANDUM OF AGREEMENT INRESPECT OF OFFICERS 26.17LETTER OF AUTHORITY FOR DEDUCTION FROM SALARY/PENSION26.18LETTER OF CONSENT AND AGREEMENT TO MORTGAGE BY SPOUSE IN CASEOF JOINT OWNERSHIP OF

PROPERTY26.19SPECIMEN OF LETTER OF AUTHORITY ADDRESSED TO THE TRUSTEES OFTHE PROVIDENT FUND TO BE OBTAINED FROM THE EMPLOYEE/BORROWER AT THE TIME OF SANCTION OF LOAN26.20SPECIMEN OF LETTER OF AUTHORITY ADDRESSED TO THE TRUSTEES OFTHE PROVIDENT FUND TO BE OBTAINED FROM THE NOMINEE(S) OF THEEMPLOYEES FOR HIS/HER PROVIDENT FUND BALANCE 26.21SPECIMEN OF MEMORANDUM OF TERM LOAN AGREEMENT FOR ADDITIONAL HOUSING LOAN 26.22LETTER OF AUTHORITY TO BE EXECUTED BY THE SPOUSE / LEGAL HEIR APPOINTED IN THE BANK FOR DEDUCTION FROM HIS / HER SALARY LOAN INSTALLMENT OF HOUSING LOAN AVAILED BY THE DECEASED EMPLOYEE26.23LETTER OF GUARANTEE FOR CONTINUATION OF HOUSING LOAN TO HEIR(S) OF A DECEASED EMPLOYEE (TO BE STAMPED AS AGREEMENT)26.24LETTER BY HEIR(S) OF DECEASED BORROWER EMPLOYEE UNDER INDIVIDUAL HOUSING SCHEME26.25PERFORMA OF PROPOSAL FOR GRANT OF HOUSING LOANS UNDER INDIVIDUAL HOUSING SCHEME TO EMPLOYEES WHO ARE OVER 55 YEARS OF AGE26.26PROPOSAL FOR EXTENSION IN THE TIME LIMIT BEYOND STIPULATED PERIOD FOR COMPLETION OF HOUSING PROJECT26.27PERFORMA OF GUARANTEE AGREEMENT TO BE OBTAINED FROM SURETIES IN CASE OF OFFICERS PLACED UNDER SUSPENSION26.28DRAFT OF GUARANTEE AGREEMENT TO BE EXECUTED WHERE THE SPOUSE IS REQUIRED TO JOIN AS GUARANTOR 26.29SPECIMEN OF MEMORANDUM OF AGREEMENT EXECUTED BY THE EMPLOYEE SEEKING VOLUNTARY/PREMATURE RETIREMENT26.30LETTER REQUESTING CONTINUANCE OF THE HOUSING LOAN / ADDITIONAL HOUSING LOAN BY THE EMPLOYEE SEEKING VOLUNTARY / PREMATURE RETIREMENT26.31DRAFT OF SUPPLEMENTARY AGREEMENT IN CASE OF VOLUNTARY / PREMATURE RETIREMENT OF AN EMPLOYEE (TO BE STAMPED AS AGREEMENT )26.32APPLICATION FORM FOR ADDITIONAL HOUSING LOAN26.33APPLICATION FORM FOR RELIEF LOAN26.34DECLARATION FORM FOR OBTAINING RELIEF LOAN26.35STATEMENT OF FLOOD / CYCLONE / DROUGHT / EARTHQUAKE LOANGRANTED TO STAFF 26.36DRAFT OF CERTIFICATE 29

OSR-.16(3) 3. Where during the period of probation, including the period of extension, if any, the competentauthority is of the opinion that the officer is not fit for confirma tion:(a) in the case of a direct appointee, his services may be terminated by one month'snotice or payment of one month's emoluments in lieu thereof, and(b) in the case of a promotee from the Bank's service, he may be reverted to the gradeor cadre from which he was promoted. 38

ANNEXURE-2.1 Part A : 120 objective type questions carrying half mark each with following breakupWeightGeneral Banking (Systems & Procedures, Banking Law & Practice)20%Technology10%Personal Banking20%Development Banking20%Commercial & Institutional Banking10%General Awareness20%Total duration:1 Hour Total Marks:60 Part B : Part B will be of Descriptive Type and will contain 4 sections as follows:1.Comprehension of a note/proposal in day to day operations30 marksand answering question thereon(2 Qs. Carrying 15 marks each)2.A correspondence exercise (Note/letter from a Branch/10 marksAdministrative Office)3.Case studies/situational analysis simulating practical60 marksproblems in the Banking environment.(5 Qs. Carrying 12 marks each)4.Rationale for banking practices and Bank's policies40 marks(20 Qs.)Total duration:2 1 / 2 HoursTotal Marks:140 Note : a.There will be no options in any of the sections.b.In Part B, the comprehension and correspondence section would compulsorily have tobe attempted in English. The rest of the paper may be answered in English or Hindi. 39

CHAPTER 3SUPERVISING STAFF PROMOTION POLICY3.1 GENERAL 3.1.1. OSR-17 (1)Promotions to all grades of officers in the Bank shall be made in accordance with the policylaid down by the Central Board or the Executive Committee from time to time. 3.1.2. OSR-17 (2)Permanent vacancies in officers grades/scales shall be filled by promotions or otherwise,but the Appointing Authority reserves the right not to fill all or any such vacancy. 3.1.3. OSR-17 (3)No permanent vacancy in any grade/scale of officers shall be deemed to have occurredunless it is in accordance with the guidelines laid down by the Executive Committee in thisregard.Explanation:For the avoidance of doubts, it is clarified that the provisions of this rule shall also apply topromotions of any category of employees to the Junior Management Grade. 3.1.4. Circles have been vested with discretion to carry out promotions from JMGS 1- to MMGS IIcommencing from promotions due from 1.8.1986 and MMGS II to MMGS III from 1.8.1987against sanctioned vacancies. 3.1.5. The promoting and appellate authorities for various scales and grades of officers are asunder:OSR 14(1)Appointing Promoting AppellateAuthority Authority Authority------------ ----------- --------------JMGS I GM GM CGMMMGS IIGMGM CGMMMGS III GM GM CGMSMGS IV & V CGM CGM DMD&CDOTEGS VI & VII ECCB ECCB No appealTEGSS I & II ECCB ECCB No appeal(Corp Centre Cir. CDO/P&HRD-CM/40/2004-2005 of 13.11.04) 40

3.2PROMOTION POLICY FOR GENERAL CADRE OFFICERS FORPROMOTIONS UPTO SMGS V 3.2.1. The Executive Committee of the Central Board in its meeting held on the 8th September 2003 has approved the revision in the promotion policy for promotions up toSMGS-V for implementation with effect from the promotion year, i.e. 2003-2004. The policyhas the following objectives:-To plan and make available suitable and competent officers in various grades for manningpositions as per succession plan;-To provide career progression and professional growth opportunities to the officers; and-To identify officers having excellent track record and potential at early stage of their career and groom them for assuming leadership role in future. 3.2.2 . Promotion year:Each financial year beginning April 1st and ending March 31st will be treated as apromotion year for conducting promotional exercise subject to availability of vacancies ineach grade. 3.2.3. Vacancies:In the beginning of each promotion year, an estimate of vacancies to be filled up during thatyear in each grade shall be made by the concerned Appointing/Promoting authorities, whowould also finalise the number of vacancies to be filled as per Banks needs/requirements,before the promotion process is completed. 3.2.4. Option:a) Such of those officers who do not find themselves well equipped to participate in theNormal Channel or Fast Track promotion process, may opt out of the promotion exercisefor the concerned promotion year, or for more than one year, at their volition, by submittingan application on the lines of the format given in Annexure 3.2. In absence of the option,the Bank will presume that the officer wishes to participate in the promotion process and if he does not later on participate in the entire promotion exercise or absents himself at any of the stages thereof, he will be deemed to have lost one chance,

irrespective of the reasonfor which the officer absents himself. For this purpose, a circular will be issued by theCircles/P&HRD Department, Corporate Centre before start of the exercise, giving abouttwo weeks time to eligible candidates to exercise their option to opt out of the promotionprocess, if they so desire.b) Officers upto SMGS-IV may also opt out of participating from all future promotions, i.e. fromJMGS-I to MMGS-II, MMGS-II to MMGS-III, MMGS-III to SMGS-IV and from SMGS-IV toSMGS-V by submitting a letter on the lines of Annexure 3.3. The officers exercising suchoption would not be permitted to participate in the process for promotion to next higher grade in future. However, this category of officers may review their option and givewillingness to participate in future promotion process to the next higher grade after expiry of 2 (two) years from the date the option to opt out from promotion process was given. Theywill be considered eligible to participate in the promotion process provided they havecompleted all the mandatory assignments in terms of the promotion policy in force at thetime from a prospective date, i.e. from a date after they have completed the deficitmandatory assignments, if any. This would apply to all officers who seek to withdraw their earlier refusal for promotion, even though given prior to issue of the revisedpolicy/guidelines. 41

3.2.5. Date of effect of Promotions:All the promotions under this policy would be effective from the date of declaration of results or date of approval of the promotions by the Appointing/Promoting Authority.However, in case of officers eligible for promotion from a retrospective date and foundsuitable for promotion, the promotion will be given effect from the date from which other officers of the relevant grade were promoted. 3.2.6. Date of Eligibility:The date of eligibility will normally be the date of commencement of the promotion year or adate notified by DMD & CDO. 3.2.7. Eligibility Criteria:An officer will have to meet minimum requirements under the following parameters to beeligible for consideration for promotion:a) Service Eligibility CriteriaThe service eligibility criteria including probation period in the existing grade for promotionto various grades will be as under: GradeNo. of Years of Service in the Present Grade Normal ChannelFast Track ChannelJMGS I MMGS II *6 years2 yearsMMGS II MMGS III*5 years2 yearsMMGS III - SMGS IV*5 years2 yearsSMGS IV SMGS V*5

years2 years* However, the officers considered for promotion as from 1.11.02 will be considered eligiblefor promotion during the promotion year 03-04 also even if they do not meet the serviceeligibility criteria, provided they meet other eligibility requirements and are not debarred for any reason.Note:While for the purpose of fulfilling service eligibility criteria, probation period served in theexisting grade would also be counted, only officers confirmed as on the date of eligibilitywould be eligible to participate in the Promotion Process.b) Residual service in the BankThe candidates, to become eligible for promotion, should have a minimum of two yearsresidual service with the Bank on the date of eligibility. For the purpose, the normal age of superannuation (at present 60 years) will be taken into consideration even though to workup to this age, the officer may require one or more extensions.c) Number of Chances The officers having exhausted the under noted number of chances will not be eligible for consideration for promotion: 42

Fast Track -2Normal Channel - 4A chance shall be deemed to have been availed if an officer does not opt out of FastTrack/Normal Channel promotion and he will be deemed to have availed the chance even if he absents himself from participating in the entire promotion process or any one of theprescribed stages of the promotion process for any reason. The chances availed from thepromotion year 2003-04 onwards will only be counted for determining the number of chances availed.However, it has been observed that various eligibility/qualifying criteria (AARF score,written test qualifying score, allocation of vacancies etc.) under the Normal Channelprocess are less rigorous than those prescribed under the Fast Track Channel and as suchthese officers have a better chance of getting selected under the Nomal Channel than inthe Fast Track Channel. Therefore, effective from the promotion year 2005-2006, there isno need to consider the offices for promotion under Fast Track Channel, once they becomeeligible for consideration under Normal Channel. Accordingly, henceforth, on becomingeligible for consideration under Normal Channel, the un-availed chances under Fast Trackwill not have any relevance and such officers will be eligible to be considered under onlyNormal Channel, if otherwise eligible, except in the case of backdated promotions onaccount of their being debarred during the relevant period etc. In such cases of backdatedpromotions, the officers will concurrently participate in the Fast Track and Normal Channeltill they exhaust their Fast Track Chances.(Corp Centre Cir. CDO/P&HRD-CM/66/2004-05)d) Mandatory AssignmentsBesides required number of years service in the existing grade, the officers are expected tohave acquired certain specific work experiences before they are considered for promotionto the next grade. Therefore, for consideration for promotion to various grades, thecompletion of the under noted assignments will be mandatory:For MMGS III*2 years service in Rural/Semi-urban Branch (es) and2 years satisfactory, operational or line assignment or independent line assignmentFor SMGS IV*3 years service in Rural/Semi-urban Branch (es) and2 years

satisfactory independent line assignment* Provided that-In cases where exemption from mandatory assignment has been given by the Bank, therequirement for completion of mandatory assignment for eligibility for promotion shall standwaived.Officers will be considered eligible for promotion only after satisfactorily completing therelative mandatory assignments.In case an officer has not completed the required mandatory assignment by the date of eligibility for promotion to the relevant grade, he will not be considered for promotion in theensuing promotion exercise. However, such officers who failed to complete the mandatoryassignments for reasons not attributable to them will be considered in future promotionexercises after they have satisfactorily completed the mandatory assignment, from the datethey were otherwise eligible for promotion but for non-completion of mandatory assignment. 43

ANNEXURE 3.2 (Letter to be given by eligible officers who do not propose to take part in the Promotion Process,to their respective controllers and is to be submitted against acknowledgement)From :To,The Departmental/Branch Head,State Bank of India, ______________________ ______________________ Dear Sir, STAFF SUPERVISINGPROMOTIONS TO MMGS-II/III/SMGS-IV/VINTIMATION REGARDING OPTING OUT OF PROMOTION PROCESSUNDER FAST TRACK/NORMAL CHANNEL/BOTH CHANNELSFOR THE PROMOTION YEAR .P.F. Index No. ___________ I have gone through the contents of the Circular No. CirDO/P&HRD/72/2003-04 dated 15.09.2003and other related instructions and am aware of the provisions of the promotion policy in force for promotion to __________. After due consideration, I hereby intimate that I am opting out of thepromotion process for the under noted promotion for the promotion year 2006-07:MMGS-II/III/SMGS-IV/V under * Fast Track/Normal/ under both Fast Track & Normal ChannelsYours faithfully,(Signature)Name :Date :Place :Grade :Branch/Office: * Please strike out what so ever is not applicable 71

ANNEXURE 3.3 (Format of Letter to be given by officers who refuse further promotions to be submittedagainst acknowledgement)From: _____________________ _____________________ ToThe Departmental/Branch HeadState Bank of India, ______________________ ______________________ Dear Sir,STAFF SUPERVISINGREFUSAL FOR PROMOTIONPROMOTIONS TO MMGSII/III/SMGS-IV/SMGS-VP.F. Index No. ___________ I advise that I am not interested in further promotion and shall not participate in thepromotion process when due. I am aware of the provisions of the promotion policy anddebarment policy in force for promotion to MMGS-II/ III/SMGS-IV/SMGS-V, andunderstand that my refusal of promotion will debar me from further promotions. In thisconnection, I also understand that:Refusal for promotion does not bestow upon me any right to seek exemption from anyassignments/postings and the Bank has the right to place me in any assignment as per administrative requirement.I can revoke my refusal for further promotion only after the period stipulated in thisregard, presently 2 years, in terms of policy/guidelines in force from time to time.As and if I revoke my refusal for promotion I shall be eligible to be considered for further promotion only from a prospective date after completion of the mandatory assignmentsrequirement as per promotion/placement policy in force at the time. In this connection, Ishall not hold the Bank responsible in any manner whatsoever for delay inpromotion/non-promotion due to non-completion of mandatory assignments.Yours faithfully,(Signature)Date: ______________Name: _______________________ Place: ______________ Grade: _______________________ Branch/Office: _______ 72

ANNEXURE 3.4 DETAILS OF SCORING SYSTEM FOR PROMOTION TO MMGSII FasttrackNormalPeriod for which AARFs are to beconsidered2 years4 yearsScoring System for arriving a final meritPAFs2040Test 7050Interview1010Total100100Scoring System for Promotion Appraisal FormAARFs (M)9090Assessment of RecommendingAuthority1010Total PAF marks (P)100100Maximum PAF marks inoverall merit2040Conversion factor for taking PAFs marks inoverall merit 20 --- * P10040--- * P100Conversion of marks earned in AARFs(for taking into PAF)Maximum Total Marks in AARFs(M)200400Maximum Marks for AARFs in PAF9090Conversion Factor for taking AARFs Marksin PAF total90 --- * M20090--- * M400Note:Instead of differing weightages Form III/IIIA and Form IV/IVA as hitherto, the aggregatescore out of 100 as given in Form V of the AARF would be considered. 73

ANNEXURE 3.5DETAILS OF SCORING SYSTEM FOR PROMOTION TO MMGSIII/IV/V FasttrackNor malPeriod for which AARFs are to beconsidered4 years4 yearsScoring System for arriving a final meritPAFs4040Test 5050Interview1010Total100100Scoring System for Promotion Appraisal FormAARFs (M)9090Assessment of RecommendingAuthority1010Total PAFmarks (P)100100Maximum PAFmarks in overallmerit4040Conversionfactor for takingPAFs marks inoverall merit40 --- * P10040 --- * P100Conversion of marks earned in AARFs(for taking into PAF)Maximum Total Marks in AARFs(M)400400Maximum Marks for AARFs in PAF9090Conversion Factor for takingAARFs Marks in PAF total90 --- * M40090 --- * M400Note:Instead of differing weightages Form III/IIIA and Form IV/IVA as hitherto, the aggregatescore out of 100 as given in Form V of the AARF would be considered. 74

ANNEXURE 3.6Promoting & Appellate AuthoritiesPromoting Authorities CirclesCorporate Centre(Establishments,Departments,Subsidiaries &Deputations)For Promotion to MMGS-IIGM GM (Corp. Services) or aGM designated asappointing authority bythe ChairmanFor Promotion to MMGS-IIIGM GM (Corp. Services) or aGM designated asappointing authority bythe ChairmanFor Promotion to SMGS-IVCGM CGM (P & HRD) or aCGM designated asappointing authority bythe ChairmanFor Promotion to SMGS-VCGM CGM (P & HRD) or aCGM designated asappointing authority bythe Chairman Appellate Authorities Circles & Corporate Centre(Establishments, Departments,Subsidiaries & Deputations etc.)For Promotion to MMGS-IICGM of the Circle/a CGM appointed as appellateauthority by the chairman.For Promotion to MMGS-IIICGM of the Circle/a CGM appointed as appellateauthority by the chairman.For Promotion to SMGS-IVDMD & CDO/a DMD appointed as appellateauthority by the chairman.For Promotion to SMGS-VDMD & CDO/a DMD appointed as appellateauthority by the chairman.Note:For promotions to MMGS-II & MMGS-III eligible officers in the Corporate Centreestablishments, departments, Associates, subsidiaries and on deputations

will beconsidered along with their parent Circles, i.e. the Circle where they were last posted andsimilarly the Appellate authority will be the Circle Appellate Authorities. 75

ANNEXURE 3.7Summary of Revised Promotion Policy for promotion from JMGS-I toMMGS-II effective from the Promotion Year 2003-04 FAST TRACKAEligibility(i)Service in the existing grade(as on the date of eligibility)2 years(ii)Residual Service(as on the date of eligibility)2 years(iii) Minimum score in AARF in each of3the last 2 years90 %(iv)No. of chances2(v)Mandatory Assignment RequirementNoneBMinimum Qualifying Score(vi) Written test 70 %(vii)Interview 40 %CWeightage for (viii)Promotion Appraisal Form20 %(ix)Written Test70 % (x)Interview10 %DOthers(xi)Vacancies (% of the total vacancies in the gradefor the promotion year)35 %(xii)Zone of Selection(Times of number of vacancies)2NORMAL CHANNELAEligibility(i)Service in the existing grade(as on the date of eligibility)6 years(ii)Residual Service(as on the date of eligibility)2 years(iii) Minimum score in AARF in each of the last 4 years60 %(iv)No. of chances4(v)Mandatory Assignment RequirementNoneBMinimum qualifying Score(vi) Written test 50 %(vii)Interview 40 %CWeightage for (viii)Promotion Appraisal Form40 %(ix)Written Test50 % (x)Interview10 %DOthers(xi)Vacancies (% of the total vacancies in the gradefor the promotion year)55 %(xii)Zone of Selection(Times of number of vacancies)2 76

155

Officers: Scales I to IIIOfficers Scales IV & VTEGS VI & above , Refusal to approve retirement for paymentof pension. . For Circles (including Deptts. in the NetworkHQ and those directly under the administrativecontrol of CGM) :Circle Development Officer.For CO and its establishments/Group HQ/SBUs including CAG Branches, and for officerson deputation to outside organisation:Dy General Manager(PM)For Circles:An authority not below the grade of GM.For CO and its establishments:An authority not below the grade of GM..For CO and its establishments which are notheaded by a GM or above:CGM (HR)TEGS VI, VII & TEGSS IGroup Executive NBG/CBG for the units under their control, DMD & CDO for CO and itsestablishments including deputations.TEGSS IIChairman ECCB . 156

Rule No.14 of IBIEmployees' Pension & Guarantee FundRules and RegulationRule 19 of the SBIEmployees' PensionFund Rules.Rule No.17 of IBIEmployees' ProvidentFund Rules/ Rule 15 &16 of the SBIEmployees' ProvidentFund RulesAuthority to grantpermission to acceptemployment after retirement:Scale I to VTEGS VI & VIITEGSS ITEGSS IIFor ExManagingDirectors andEx-ChairmanAdvance /withdrawalagainst own ProvidentFund balance. . For CirclesScales I, II and III :An authority not below the grade of GMFor officials who retired fromCC and its establishments which are notheaded by a GM or above:CGM (HR) at Corporate Centre.Scale IV & V :An authority not below the grade of CGMFor Officials who retired from CO and itsestablishments/Group HQs/SBU/CAG brancheswhich are not headed by a CGM : CGM (HR).Group Executive/DMD & CDOGroup Executive NBG/CBG/DMD & CDO , ChairmanECCBFor Circles including Deptts. under Networkheads and under the direct administrativecontrol of CGM :Circle Development Officer Full Powers.CC and its establishments/Group HQs/SBUICAG branches: DGM(CAO) - Rs.1 lac.GM(CAO) - Full Powers 157

CHAPTER 6EXTENSION IN SERVICE Rule 3(e) ofSBISettlement of TerminalFor Circles including Deptts. under Network Employees' GratuityBenefits.heads and under the direct administrativeFundRulesandcontrol of CGM :Regulations.For Award Staff: AGM(PF & GRATUITY) at LHO.For Officers: Circle Development Officer.Corporate Centre/Group HQ/SBU in Mumbai :Award Staff: AGM(OAD)For Officers: DGM(PF & GRATUITY)For CC establishments outside Mumbai :For Award Staff and Officers upto SMGS V :Authority not below DGM.For Officers in TEGS VI and above:DGM(PF & GRATUITY) at Corporate Centre.Provident Fund/Pension/Trustees of the Funds through Corporate Centre.Provisional Pension/FamilyPension. Note: For the above purpose (a) In respect of officers in Circles serving at branches, Zonal Offices and Departments at the NetworkHQs, General Managers would mean the General Manager in charge of Network in which theOfficer is working. For Officers posted in Local Head Office and its establishments i.e. under thedirect administrative control of Chief General Manager, General Manager refers to the General.(b) Dy General Manager refers to the DGM of the module under whose control the officer is working atthe material time. For staff at Local Head Office (i.e. Departments under the General Manager aswell as under direct administrative control of CGM), Dy General Manager refers to the CircleDevelopment

Officer (c) For officers working in Corporate Centre establishment outside Mumbai, Dy General Manager!General Manager refers to the DGM/GM of the Department where the officer is posted. If noDGM/GM is posted or if the officer is posted at Corporate Centre establishment or group or SBUHQs at Mumbai, DGMrefers to DGM (Personnel Management) and GM refers to GM(Corporate Services) at Corporate(d) Chief General Manager will mean Chief General Manager at Circles, Chief General Manager(CAG)for CAG, Principals of the Staff Colleges, Chief General Manager(inspection & Audit), Chief General Manager(Credit Audit) for Credit Audit Department. For Corporate Centre and all itsremaining establishments, Chief General manager will mean Chief General Manager(HR).(e) Group Executive (GE) means the Group Executive of the Group or SBUs in which officer isworking. 158

6.1 GENERAL RULES PER/25 dt. 08.06.1998In terms of paragraph 19(1) of the SBI Officers Service Rules, an officer shall retire fromthe service of the Bank on attaining the age of sixty years or upon the completion of thirtyyears' service or thirty years' pensionable service if he is a member of the Pension Fund,whichever occurs first. It is also provided therein that the competent authority may, at itsdiscretion, extend the period of service of an officer who has attained the age of fifty eightyears or has completed thirty years' service or thirty years' pensionable service as thecase may be. 6.2 STAGES FOR GRANTING EXTENSION i. The cases of officers will be reviewed for the purpose of grant of extension in service or otherwise at the following stages :-First Stage :On completion of 30 years of service/pensionable service or on attaining 55 years of agewhichever occurs first (for grant of extension in service upto 58 years of age).Second Stage :On attaining 58 years of age for grant of extension/continuation in service upto 60 yearsof age being the age of retirement.(CDO/PM/CIR/40 Dt.25.11.1998)/LHO/PER/89 DT, 12.12.1998/ii. These provisions are effective from 1.4.1998. 6.3 PROCEDURE FOR REVIEW It shall, however, not be construed that extension/continuation in service shall beapproved automatically in all cases. Where the Bank is of the opinion that theperformance of an officer has not been upto the expected level, the officer may, at thediscretion of the Executive Committee of the Central Board, be retired from the Banksservice after he has attained 50 years of age or has completed 25 years of service/or 25years pensionable service, as the case may be, by giving him 3 months

notice in writingor pay in lieu thereof, irrespective of the guidelines contained in para 6.2 above.i. In order to reduce routine references at higher levels, cases of those officers only whereextension in service is doubtful and/or is to be denied will be put up to a ReviewCommittee before being decided by the competent authority. In other cases, i.e. whereextension in service is beyond doubt, it will be put up straightaway to the competentauthority. It has also been decided that competent authority in cases where extension inservice is doubtful and/or is to be denied may be different from the one in cases wheresuch extension is not doubtful, the rationale being that where extension is to be denied,the competent authority may be sufficiently senior in rank whereas in other cases, even acontrolling authority may take a decision as in such cases grant of extension will be aroutine task.Accordingly a chart showing the revised competent authority and appellate authoritystructure in line with the above procedure is given in Annexure 6.1. 159

ii)Review for grant of extension in service (only where necessary) or otherwise shouldbe undertaken well in advance, say six months before the date on which the officer is completingthe prescribed age/service or pensionable service as stated above and a suitable diary noteshould be recorded with the official who is required to process/submit the review papers to theReview Committee/Competent Authority. These should also be checked at monthly intervals bythe concerned Head of the Department at Local Head Office/module. Where review is notconsidered necessary, the proposal should straightaway be put up to the competent authority. 6.4 CRITERIA FOR GRANT OF EXTENSION IN SERVICE OR OTHERWISE i. An officer who performs well, is efficient, and possesses good health should beconsidered suitable for grant of extension in service. In other words, an officer whoseperformance is poor, or otherwise whose integrity is not beyond doubt or who isinefficient or whose health is poor should not be granted extension in service. However,the decision should not be based on isolated instances of deficiencies in performance or average/above average rating in Annual Appraisal Report of a particular year.ii. An overall assessment of the officer's utility to the Bank should be made while decidingwhether the extension in service should be granted or denied. The guiding factor for considering an officer suitable for grant of extension in service or otherwise is whether or not his service will be of continued usefulness to the Bank. Those who have aboveaverage ratings in the Annual Appraisal Reports are considered suitable for grant of extension in service upto 58 years of age and those who earn 'good' ratings areconsidered suitable for grant of extension beyond 58 years of age, respectively.Extension should not be denied merely for the reason that an officer has earned an'average' rating or an 'above average' rating in one year or two. All the factors (i.e.reports, performance, integrity, health, etc.) together should be taken into account toarrive at the conclusion as to whether

the officer is or is not of continued utility to theBank. If an officer has been earning 'average' rating or 'above average' ratings, and theReporting Authority feels that such ratings are likely to come in the way of grantingextension in service in future, this should be brought to the notice of the officer well intime. In such cases, the officer should be advised to improve performance. A record of this advice to the officer should be placed in the officer's service file, under advice tohim/her.iii. The requirement of prior reference before denial of extension at the initial stage, which,abinitio, curbs the powers of Competent Authority and renders the appeal systemineffective, should be withdrawn. Instead, a prior reference would be required to bemade by the Appellate Authority if he proposes to reject the appeal of the officer concerned at the last stage against denial of extension in service; such a procedure willprovide the Appellate Authority with consultation mechanism at a higher level beforetaking the extreme step of denying extension in service. (CDO/PM/1413/CIR/60Dt.30.09.1999) 6.5 REVIEW COMMITTEE i. Review Committee will go into only those cases where review is considered necessary interms of what is stated in Section 6.3 and record its recommendations whether or not anofficer is considered fit for grant of extension together with reasons therefore. The reviewshould be undertaken by the Review Committee in a meeting especially convened for thepurpose where at least 2 of the members of the Committee are present. 6.6 SYSTEM OF REVIEW FOR GRANT OF EXTENSION IN SERVICE 160

i. As stated in Section 6.3, review would be necessary only where extension in service isdoubtful and/or is to be denied. In other cases, the procedure outlined below should beadopted for putting up the proposal to the competent authority.ii. Particulars relating to the officer's performance, annual appraisal report etc. should befilled in the prescribed proforma (Annexure 6.2) by the concerned controlling authorityand put up to the competent Authority for consideration. To avoid omissions, a suitablediary note should be kept in the Asst. General Manager (Region)'s/ Dy. GeneralManager's/General Manager's Secretariats and reviewed by the Head of the Departmentat monthly intervals. The position relating to pending/contemplated disciplinary cases, if any, should be ascertained from the Disciplinary Proceedings Department/VigilanceDepartment. The Review in respect of officers upto Scale V on mobile inspection duty or on deputation to other organisations may be conducted by the respective Circles or Central Office from where the concerned officers were deputed. In respect of officers inTEGS VI and VII and TEG Special Scale I and II, the review will be undertaken by theCorporate Centre irrespective of their posting.iii. Cases where the Review Committee recommends denial of extension in service toofficers upto Scale V at the first or second stage, or the

Competent Authority proposes torevoke extension in service already granted whether before 58 years of age or after 58years of age, the matter should be referred by the appellate authority to Central Office for prior administrative clearance as given in c.o. cir. No. CDO/pas11413/CIR/60 dated the30 th September, 1999/LHO/PER/85 dt. 27.10.1999. Local Head Offices' recommen-dations in this regard should contain the copies of the records/papers put up before theReview Committee and the reason for which it is considered fit not to grant extension inservice or to annul or revoke the extension in service already granted. 6.7 PERIOD FOR WHICH EXTENSION OF SERVICE SHOULD BE GRANTED i. Where it is decided to grant extension in service, the extension should normally begranted for the full term viz. upto 58 years and from 58 years to 60 years. However, shortextension can be considered where disciplinary proceedings and / or prosecution arepending or are contemplated which in turn means that investigations have revealed aprima facie case and the Disciplinary Authority/Competent Authority has passed orders for initiation of disciplinary proceedings / sanction of prosecution. In this connection, it is to benoted that an extension in service is always granted subject to officer's continued goodhealth and rendering useful service to the Bank. In case there is a deterioration in anofficial's health, or work and conduct, the desirability of retiring such officers may beexamined in consultation with Central Office as provided in C.O. Cir. No.CDO/Pas11413/CIR/60 dated the 30 th september, 1999/LHO/PER/85 dt.27.10.1999.6.8 ADVICE TO OFFICERS REGARDING GRANT OF EXTENSION IN SERVICEi. In cases where the officer has not completed 30 years of pensionable service/ 30 years of service (if he is not a member of Pension Fund), an advice regarding grant of extensionin service to him will not be necessary. However, at the time of officer completing 30years of pensionable service or 30 years of service (in respect of those who are notmembers of Pension Fund), the officer should be advised in writing about the grant of extension in service indicating clearly that it is subject to his continued good health andrendering useful service to the Bank. Similarly, all reviews undertaken in respect of officers who have completed 30 years of pensionable service or 30 years service as thecase may be, an advice to the officers regarding grant of extension in service would benecessary. For example, if an officer has completed 30 years of pensionable service at 161

the age of 51 years, not only an advice in writing is called for after the review iscompleted on this occasion, but again on granting extension 58 years of age or 60 yearsof age. If the competent authority has decided not to grant extension in service and all theformalities as indicated above have been completed, the officer may be advised suitablyin time. 6.9 APPEAL AGAINST NON-GRANT OF EXTENSION IN SERVICE OR REVOCATION OFEXTENSION IN SERVICE ALREADY GRANTED i. An officer aggrieved by the decision of the competent authority not to grant extension inservice or to revoke or annul the extension in service already granted, can submit anappeal against the decision of the competent authority within 15 days of the receipt of such advice. The Appellate Authority for appeals against non-grant of extension is asgiven in Annexure 6.1.ii. In dealing with such appeals, the following procedure should be adopted:-(a) The Circle/Competent Authority should forward the appeal to the ComponentAuthority together with their comments on the proforma given in Annexure 6.3within 15 days of the receipt of the appeal.(b) Normally, officers will not be entitled for personal hearing but the AppellateAuthority has the discretion to call an aggrieved officer for a hearing.(c) Appellate Authority's orders shall be final. 162

Annexure 6.1 Structure of review committee/competent authority/appellate authority(CDO/PM/CIR/73 Dt.14.02.1997)/PER/59 dt. 25.11.1995COMPETENT AUTHORITYCATEGORYOF OFFICERSAUTHORITY TOAPPROVEEXTENSION OFSERVICEAUTHORITY TO REFUSE EXTENSIONAND CONSIDER APPEALIN CIRCLESScales I, II, IIINot below the rankof a DGMNot below GM on recommendation of review committee consisting of the DGMconcerned and any other DGM(s)nominated by the CGM. Appeal againstnon grant of extension will be decided byCGMScales IV & VNot below the rankof a GMCGM of the circle on recommendation of review committee consisting of the GMsat LHO Appeal against non grant of extension will be decided by GE (NBG)In CAGBranchesScale I, II, IIIDGM & Chief Operating Officer of the branchesGM in CAG/Group SBU onrecommendations of review committeeconsisting of DGM (PM) and any other DGM nominated by the CGM(CAG).Appeal against non grant of extension willbe decided by the CGM(CAG).Scale IV & VNot below the rankof GMCGM (CAG) on recommendations of review committee consisting of GM,CAG/Group SBU & DGM (PM). Appeal1 163

against non grant of extension will bedecided by the GE (CB)In CentralOffice & itsestablishments/GroupHQ/SBUScale I, II, IIINot below the rankof DGMNot below the rank of GM onrecommendations of review committeeconsisting of DGM (PM) and any other DGM nominated by CGM (HR). Appealagainst non grant of extension will bedecided by CGM (HR). GM meansGM(CS) at CO.Scale IV & VNot below the rankof GMCGM (HR) on recommendations of reviewcommittee consisting of GM (L&D) andDGM (PM). Appeal against non grant of extension will be decided by the DMD &CDO.AllOfficersScale VI,VII &TEGS IRespective GroupExecutive. For CO& itsestablishments -DMD & CDOMD(s) on recommendation of a committeeconsisting of DMD & CDO and DMD &CCO. Appeal against non grant of extension will be decided by theChairman. (Which MD to be specified bythe Chairman)TEGS IIChairmanChairman. Appeal against non grant of extension will be decided by ECCB 164

Proforma for Extension of ServiceAnnexure 6.2STATE BANK OF INDIA STAFF : SUPERVISINGEXTENSION IN SERVICEREVIEW ABIODATA 1.Name:P.F. Index No:2.Grade: 3.Date of Birth: 4.Appointed in the Bank as:5.Date of Appointment: 6.Date of admission to Pension Fund: 7.Date on which officer completes a)30 years of pensionable service/30 years of service: b)55 years of age:c)58 years of age:d)60 years of age: 8.Extension to be considered :from (i.e when he will attain __ years of age. ) B)SERVICE RECORDFor 3 immediately preceding year200_ 200_ 200_ As per AARFReportingReviewingSRCRemarks of Reporting/Reviewing Authorities 1)200_ 2)200_ 3)200_ 165

ANNEXURE 27.4

MONTHLY DIARY / REPORT OF / ON POS / TOS FORM 'A' MONTHLY DIARY OF PROBATIONARY / TRAINEE OFFICER(To be completed by the Probationary / Trainee Officer) Name of the Probationary /Trainee Officer: Name of the Branch:For the Month of _________ 20_____.1. Details of on-the-job training undergone by you during the month under report:DurationJob Assignment DateFromTo 1.First Week2.Second Week3.Third Week4.Fourth Week2. No. of times you met the following officers for guidance, assistance and clarification of doubts: Designation ofNo.of Dates Purposethe official times i. B.M.ii. M.O.D.iii. Actt.iv. Others(Please specify)3. Deviations in the Training Schedule, if any. Please give particulars :Nature ofPeriod for which Were thereasonsdeviation such deviations therefor advised ?were made4.Deficiencies observed in the method of training viz. non-availability of Bank Book of Instructions, job cards, programme learning texts, etc.5. Important constituents to whom you were introduced during the month : Name of theIntroduced by whom ?Date of Introductionconstituent (BM/MOD/ACTT.or other colleagues ) 6. No.of visits on which you accompanied other officers for customer call, deposit mobilisationcampaign, inspection of borrowing units, important meeting, etc. Nature of visitAccompanied whom ?Date (BM/MOD/ACCTT or -----------------other colleagues_____________ Very helpfulHelpfulNot helpful 906

7. General attitude of officers and staff members with whom you were associated during themonth :8. Any other comments :Place: Date:Signature 907

ANNEXURE 27.5 FORM B MONTHLY REPORT ON PROBATIONARY / TRAINEE OFFICERS [To be filled by Branch Manager ]Name of the Branch ;Name of the Probationary /Trainee officer;For the month of ___201.Assessment of the qualities of the Probationary / Trainee Officer as a learner. (Please tickmark the appropriate column.)a) ComprehensionExcellent Good Average Poor b) Diligence & application Excellent Good Average Poor c) Quality of work eg.Excellent Good Average Poor accuracy, neatness, speedd) Attendance & punctualityExcellent Good Average Poor e) Conduct & attitude Excellent Good Average Poor 2. Special aptitudes asevidenced duringtraining:3. Leave taken during the month:Types of LeaveNo. of Days Availed Casual LeavePrivilege LeaveSick LeaveSpecial Leave4. What guidance and support didyou provide to the Probationary /Trainee Officer in clarifying his / her Doubts and overcoming difficulties:5.Your comments on the deviations made, if any, in the training schedule:6. Comments about theweakness pointed out bythe Probationary/Trainee Officer in training methodology:7. Deficiencies, if any,observed by you in theProbationary / TraineeOfficer during the monthIf yes, please specify:8.Any other comments: 908

Name of the branch manager:Signature:Place:Date:COMMENTS BY AGM (HR) ON:A)Adherence to training schedule: Excellent Good Average Poor B)Quality of guidance and facilitiesat the branch:Excellent Good Average Poor E)How the trainee has utilizedthe training opportuinites:Excellent Good Average Poor F)Whether any follow-up action isrequired? If yes, please specify:Name:Signature:Date: 909

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