Management of Indian Visa Application Center:

A study of State Bank of India, Sylhet Branch.

Internship Report
This report is submitted for the partial fulfillment of the Bachelor of Business Administration (BBA) program under the Department of Business Administration, Leading University Sylhet.

Submitted To
Department of Business Administration, Leading University, Sylhet.

Supervisor By
Mr. Faisal Mohammad Shahriar Assistant Professor Department of Business Administration, Leading University, Sylhet.

Submitted By
Syed Maksum Zabid ID: 0701010084 Department of Business Administration, Leading University, Sylhet.

Date of Submission: 31/01/2011

Letter of Submittal
Date: 31/01/2011 To The Head Department of Business Administration Leading University, Sylhet. Subject: Submission of the internship report Dear Sir, I submit my report with great respect to and grateful to you for help me to work and learn about this subject. As a part of BBA program personally I completed my internship in a grate bank State Bank of India. During the internship program I came to learn about the banking system in a good environment with the practical Subject - Submission of internship report Experience, which help me entire professional life. I may note here that there has been no dearth of sincerity on my part to bring the issue into proper focus. I will highly appreciate if you kindly accept the report. Your positive action regarding this matter would be very much helpful for our academic as well as professional career. Sincerely yours

Syed Maksum Zabid

ID: 0701010084

Letter of certificate
I am enormously please to declare that Syed Maksum Zabid, ID: 0701010084, a student of the Department of Business Administration, 15th batch, Leading University, Sylhet have been completed his internship in State Bank of India, Sylhet branch. He has completed his internship report on the topic Management of Indian Visa Application Center A study of State Bank of India, Sylhet Branch, Sylhet. He has reviewed all the relevant literature and has surveyed a good number of people for collection of both primary and secondary data. I have supervised his throughout the preparation of the paper. I also certify that the paper is an original one and has not been submitted elsewhere previously for publication in any form.

I am wished all the best in his effort.

________________________
Mr. Faisal Mohammad Shahriar Assistant professor Department of Business Administration Leading University, Sylhet.

Acknowledgement
First of all, I express best gratitude to almighty Allah for completing this successful internship program. The report titled as Management of Indian Visa Application Center a study of State Bank of India: A Focus on Sylhet Branch an Internship Report has been prepared to fulfill the requirements of BBA degree. I am very lucky that I have received utmost and sincere guidance, supervision and co-operation from various persons while preparing this report. While I was preparing my internship report, I greatly remember the help and guidance got from my honorable internship supervisor Mr. Faisal Mohammad Shahriar. Without his help, it would not be possible for me to compile information, make necessary analysis and complete the study report on time. I am deeply grateful to him, who has kindly spent his valuable time in supervising study, suggesting approaches for addressing the problems. I wish to express my gratitude to Mr. Md. Safar Uddin, Senior manager & branch in charge of State Bank of India. For giving me the permission to accomplish this study. I am also grateful to Mr. Shyamal kanti Das, Junior Manager, State Bank of India, Sylhet Branch and Mr. Tapan Kanti Das, Junior Assistant Officer of State Bank of India and all officers and staffs in Sylhet Branch of State Bank of India for rendering me cooperation to complete my internship program successfully.

Index
Contents
Executive Summery Introduction Origin of the Report Objectives of the Report Scope of the Study Methodology Limitations Chapter-01 1.1 About State Bank of India 1.2. The State Bank of India in Bangladesh 1.3. Some facts about State Bank of India 1.4. Number of Branches in Bangladesh 1.5. State Bank of India in Sylhet Branch Chapter-02 2.1. Name, Designation and position of employees in State Bank of India, Sylhet branch 2.2. Special Offerings of State Bank of India, in branch Chapter-03 3.1. Indian Visa Application Center 3.2. General conditions/ documents required for applying for Indian visa 3.3. Category of visas Chapter-04 4.1. Findings 4.2. Recommendations Chapter-05 5.1. Conclusion 5.2 Bibliography

Page Number
06 07 07 07-08 08 08 08-09 10-11 11 12 12-13 13-14 15-16 17

18 19 20-22 23 24 25 26

Executive Summery
Banking structure has a great influence on the functioning of an economy. Each and every bank within the banking structure has its impact on the perfectness of the banking structure of an economy. Now-a-days, banks have become integral part of our life. Modern life cannot be thought without banks. Well furnished banking structure can accelerate the rate of economic growth by mobilizing the funds from surplus group to deficit group who will use it for the expansion of productive activities State Bank of India is the largest Indian commercial bank operating in 34 foreign countries other than India. It has developed its business in Bangladesh very rapidly because of the economic necessity of the country and its superior services, modern systems etc. It is included Indian Visa Application Center for five months, which is helping people to get various Indian visa especially for business related visa improved business link between the two country. In fine, it can be expected that State Bank of India will be able to overcome the problems and become more successful than ever before as well as contribute to the development of our national economy.

Introduction
State Bank of India is a foreign commercial bank that established its operations in Bangladesh some years ago. But within a short period it has improved its position and now is still improving. It is a modern bank and provides all types of banking services that a bank can provide. Though there are some problems, it is a highly potential bank. However, Internship is a part and parcel to complete BBA program. It is essential to get experienced with real organizational situation and make a combination of theory and practice. In performing internship program, I have chosen State Bank of India. I thought, it will be more successful to become familiar with various modern banking processes if I do it in a fast growing foreign bank like State Bank of India which has international recognition.

Origin of the Report

Bachelor of Business Administration (BBA) academic program is the building up of the theoretical knowledge about business administration which is the base of practical knowledge. Internship program is an attempt to provide business students an orientation to a real life business situation in which we can observe and evaluate the use and applicability of the theoretical concepts which were taught in the classrooms. As per norm, this report is the requirement of the fulfillment of the Internship program of BBA. This report is the outcome of my 03 months work in State Bank of India, Sylhet branch.

Objectives of the Report

This research was designed to accomplish 02 types of objectives: Primary Objectives and Secondary Objectives. 7

Primary Objectives:
To figure out how State Bank of India provides agency service of Indian Visa Application Center in favor of Indian High Commission in Bangladesh.

Secondary Objectives:
To submit a report, for the fulfillment of my BBA practical. To gather comprehensive knowledge on overall functions of a foreign bank like State Bank of India.

Scope of the Study

The report is an attempt to demonstrate the information about Agency Service provided by State Bank of India, e.g. working in favor of Indian High Commission through its Indian Visa Application Center (IVAC) desk. For preparing this report, I have worked mostly in IVAC desk in State Bank of India, Sylhet branch. I have also spent some time in the foreign exchange department and the General Banking Department.

Methodology
This report is prepared under the light of my 03 months experience as an internee in State Bank of India, Sylhet branch, Rose View Complex, Shahjalal Uposhahar, Sylhet.

Sources of Data collection:

Primary Sources: Discussion with Bank Officers. Personal observation. Desk work in different sections/departments. Annual report of the Bank. Consultation of related book and publications. Different Statements. File, balance sheet and various documents.

Secondary Sources:

Limitations
There are some limitations of this report which are given below: All the activities, ideas and perception based on Sylhet Branch; there is a little deviation in developing the overall opinion regarding the performance of whole State Bank India. Many important information of SBI have been limited here because it could not be collected for maintaining secrecy of the respective branches. Limitation of time was a major constraint in making a complete study, due to time limitation. The duration was only twelve weeks. It was too limited to cover all the banking area. Many aspects could not be discussed in the present study. In many cases, up to date information is not published Getting Relevant papers and documents were strictly prohibited by bank.

1.1 About State Bank of India

State Bank of India is the largest commercial bank in India in terms of profit, assets, deposits, number of branches and employees. The origin of State Bank of India dates back to 1806 when the bank of Calcutta (Later called the bank of Bengal) was established in 1921, the bank of Bengal and two other banks (Bank of Madras and bank of Bombay) were amalgamated to form the Imperial Bank of India were acquired by the Reserve Bank of India and the State Bank of India was created on 1st July, 1955 by an act of parliament of India to succeed the Imperial Bank of India. The state bank of India (SBI) was created on 1st July 1955B an act of parliament of India to succeed the imperial bank of India. The origin of the state bank of India goes back to the first decade of the nineteenth century with establishment of the bank of Calcutta in Calcutta on 2 June 1806. Three years later the bank received its charter and was redesigned as the bank of Bengal (2 January 1809). A unique institution, it was the first joint stock bank of British India sponsored by the government of bangla .the bank of Bombay (15 April 1840) and the bank of madras (1 July 1843) followed the bank of Bengal. These three banks remained at the apex of modern banking in India till their amalgamation as the imperial bank of India on 27 January 1921. The SBI has played a pioneering role in shaping the future of the banking industry in India since its inception. The bank started in 1955 with 480 branches and now it has 9033 branches in India and 56 branches /offices all over the world in 34 countries covering all the time zones. The bank also maintains a comprehensive correspondent relationship with 593 top ranking banks in 127 countries.

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Along with its seven associates bank, one wholly owned banking subsidiary and nine other non banking subsidiaries and joint ventures, the SBI has a towering presence in Indian financial sector covering capital market, mutual funds, security trading, insurance, factoring, credit cards acts. State bank of India, Indias largest commercial bank operating since 1809 and the only Indian bank to the among the top 200 banks in the world and top 20 bank in Asia . Paid up capital of SBI is RS 5.36 billion. At present reserve bank of India holding 314338700 numbers of shares and 211960178 number of shares holding by others .the percentage of share holding by RBI is 59.73% and others holding of SBI shares is 40.27%.

1.2. The State Bank of India in Bangladesh

Before the independence the Dhaka, which set up the city in July 1846, was taken over the bank of Bengal when it opened its branch in Dhaka in 1862. Subsequently the bank of banal was merged to imperial bank of India had fairly wide spread branch network in the then east Bengal at Dhaka, Chittagong, Narayanganj, Mymensing, Rangpur, Sirajganj and Chandpur. The imperial bank of India becoming the state bank of India in 1955, provided services in Bangladesh in its branch at Dhaka, chittagong and narayangonj continued till 1965, after a brief interruption of ten years the bank was back in Dhaka in 1975 to continue long tradition of service to this part of the world. The Sate Bank of India was thus born with the new sense of social purpose aided by the 480 offices and three local head offices inherited from the imperial bank. The concept of banking as mere repositions of communitys saving and lenders to creditworthy parties was soon to give way to the concept of purposeful banking sub serving the growing and diversified financial needs of planned economic development. The state bank of India was destined to act as the pacesetter in this respect and lead the Indian banking system into the exciting field of national development.

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The bank is opened its 2nd branch (49th foreign branch) on 20th august 2003 at Agrabad, Chittagong in Bangladesh to extend state of the art computerization banking services to the people of the port city and commercial capital of Bangladesh The bank opened its third branch (55th foreign branch) on 18th may 2005 at Sylhet in Bangladesh to cater the banking services to the people of the country. The bank opened its fourth branch (56th foreign branch) on 15th may 2006 at Dhaka, Gulshan area in Bangladesh to cater the banking services including processing of Indian visa.

1.3. Some facts about State Bank of India

The origin of the State Bank of India goes back to the first decade of the nineteenth century with the establishment of the Bank of Calcutta in Calcutta on 2 June 1806. Three years later the bank received its charter and was re-designed as the Bank of Bengal (2 January 1809). A unique institution, it was the first joint-stock bank of British India sponsored by the Government of Bengal. The Bank of Bombay (15 April 1840) and the Bank of Madras (1 July 1843) followed the Bank of Bengal. These three banks remained at the apex of modern banking in India till their amalgamation as the Imperial Bank of India on 27 January 1921.The SBI has played a pioneering role in shaping the future of the Banking industry in India since its inception. The Bank started in 1955 with 480 branches and now it has 9033 branches in India and 56 branches/ offices all over Globe in 34 countries covering all the time zones.The Bank also maintains a comprehensive correspondent relationship with 593 top ranking banks in 127 countries. Along with its seven associates Banks, one wholly owned banking subsidiary and nine other non-banking subsidiaries and joint ventures, the SBI has a towering presence in Indian financial sector covering capital market, mutual funds, security trading, insurance, factoring services, credit cards, etc.

1.4. Number of Branches in Bangladesh

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The State Bank of India opened its branch in Dhaka on 5th may 1975, after the independence of Bangladesh. The bank opened its 2nd branch on 20th August 2003 at Agrabad, Chittagong. The bank has opened its 3rd branch at Sylhet in Bangladesh on 18th May 2005 to cater the banking services to the people of the Southeast region of the country. The Bank has opened its 4th Branch on May 2006 at Gulshan, Dhaka.Growth of branches is given below over upto thirty two years.

Table 01: Year wise Branch expansion (1975-2006)

Year 1975 2003 2005 2006

No of Branch expanded

01

01

01

01

Table 02: Name, Address and Opening of Operating Branches

NAME OF THE BRANCH Principal Branch Agrabad Branch Sylhet Branch Gulshan Branch ADDRESS OPENING DATE

24-25Dilkusha C/A, Dhaka May 05, 1975 Agrabad C/A, Chittagong August 20, 2003 Rose View Complex, Uposhohor, May 18, 2005 Sylhet Gulshan ,Dhaka. May 2006

1.5. State Bank of India in Sylhet Branch

The SBI during the 2.5 years of its existence recorded an impressive growth in terms of offices, reserves, deposits, investments and advances.

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The business of the banks was initially confined to receiving the Saving Bank deposits, Short Term Deposits and Fixed Deposit, issuing pay order, opening current Accounts and circulating cash notes. The branch started cash credit account within the opening of three months and now providing the service of Overdraft and medium Term Loans to its valuable customers. Branch also provides utility services to its customers. The Financial position of SBI, Sylhet branch as on 31.12.2007 is as follows: 1. Total interest received on account of term loan, Demand loans, cash credit, SOD and overdraft was Tk 1.38 Crore 2. Total interest received on account of call money lending and other sundry interest income was Tk 1.80 Crore 3. Commission received on letter of credit, deferred payment guarantees, other guarantees and on collections amounting Tk. 5.25 Lac 4. Total interest paid on Term Deposits, Saving Bank accounts was Tk 1.25 Core 5. Operating expenditure such as salaries, allowances, PF and pension fund etc. was Tk 26.50 Lac 6. Branch collected handsome deposits such as Fixed Deposit, Short Term Deposit up to 31.12.2006 amounting to Tk 18 Crore. 7. The branch made total Loans & Advance up to 31.12.2007 amounting to TK 10 Crore 8. SBI, Sylhet branch earned operating profit up to 31.12.2007 amounting Tk 1 .2 Crore

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2.1. Name, Designation and position of employees in State Bank of India, Sylhet branch
For any financial and non-financial organization, Management is the most valuable and important resources of any kind of organization. And, a well-organize management provides the organization to reach its ultimate goal. Management means planning, organizing, staffing, directing and controlling of all financial and non-financial resources of an organization. Different aspects of management practice in State Bank of India are presented below:

Table 03: Name, Designation and position of employees in State Bank of India, Sylhet branch:
No. 1. 2. Name Md. Safar uddin Shyamal Kanti Das Designation Senior manager Junior Manager Job Description Supervision Monitoring Loans & Advancing

&

3. 4. 5. 6. 7.

Md. Habibur Rahman Mr. Shymal Kanti Dhar Mr. Shafi uddin Mr. Kuldip Dey Mr.Tapan Kanti Das

Junior Manager Assistant Officer Assistant Officer Assistant Officer Visa Officer

Monitoring AML & Reporting Cashier Customer service & 2nd Cashier Monitoring charge expense Visa Officer 15 the

Figure 01: The organization structure of SBI, Sylhet:

Branch Manager

MANAGER ADVANCE MANAGER GENERAL BANKING MANGER FOREIGN EXCHANGE

ACCOUNTS OFFICER

CLEARING OFFICER

CASH OFFICER

BILL OFFICER

CASH CREDIT OFFICER

OD &SOD OFFICER

TERM LOAN & EXPORT OFFICER

FIELD STAFFS

OFFICE STAFF
IMPORT &EXPORT OFFICER

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2.2. Special Offerings of State Bank of India, in branch

Real time truly International Online System with Finacle, they are providing world class services at the customers convenient: Short term deposits @ 7.00% Suitable for business people Interest on Daily Balance FDR @ 12.75% For any amount (12.50%) For the period of 1 year Savings deposit @ 7.00% For All Types of Individuals Daily Basis Interest Calculation For All Types of Small Investors Recurring Deposit @ 11.50% For The Amount of Taka 500 and Multiple up to Taka 10,000 For the period of 5 years Loans & Advances Cash Credit Facility Secured Overdraft Overdraft Term Loan Car Loan Flat/ Apartment Loan

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 Consumer Loan Personal Loan Executive Loan Foreign Exchange Processing of Export L/Cs Issuing import L/Cs

3.1. Indian Visa Application Center

State Bank of India (SBI), the majority share holding of which lies with the Government of India is the largest commercial bank in India and one of the top 20 banks in Asia.SBI has 11448 branches in India and 92 branches outside India. It employs over 2 lacs personnel for business operations worldwide. SBI is the proud recipient of many recognitions/awards this year, the notable among them being Bank of the Year 2008-India by Banker Magazine, Most Admired Infrastructure Financier award by KPMG Top Public Sector Bank under SME Financing by Dun and Bradsheet and Best Executive award to the Chairman by Asia Money. SBI has improved its ranking in Fortune 500 list, Forbes list of 2000 largest companies in the world, Banker list of 1000 world banks, Brand Finance- Global 500 Financial Brand recognition, to name a few. Visa services of High Commission of India, Dhaka and Assistant High Commission of India, Chittagong are outsourced to State Bank of India. Indian Visa Application Centre (IVAC) at Gulshan, Dhaka was established in December 2005 followed by IVAC, Chittagong in October 2006 and IVAC, Sylhet and IVAC, Motijheel in July 2009. Together, IVAC processes around 5 lacs visa applications of Bangladeshi Passport holders in a year, which, by far, could perhaps be the largest number by any visa processing agency worldwide.SBI proposes to open more visa centres in Bangladesh to provide timely and quality services to Bangladeshi nationals. Provision of the other services in future is also being considered. Some of them are: Issue of E- token for submission of visa applications at IVAC, Gulshan and IVAC, Motijheel:

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Online submission of visa application Online passport tracking system to ascertain the status of application Travel related services like sale of tickets, booking of seats in various medical and educational institutions and hotels etc.

3.2. General conditions/ documents required for applying for Indian visa
Passport, in original, with a minimum validity of six months as on the date of submission of application for visa. The passport should have at least two blank pages. Copy of the passport (first four pages and endorsement of extension of validity if any) should be attached Two recent identical passport-size photographs depicting full face. Proof of Residence: Either a copy of National ID Card or Utility Bill such as electricity, telephone or water bill Proof of Profession: Certificate from the employer. In case of students, copy of Identity card from the educational institution is to be attached. Proper document to establish profession/ occupation( original and one set photocopy) e.g. govt. order (GO), office permission , trade licence, retirement paper, student photo-id card, certificate from local union parishad chairman or ward commissioner, land record, voter id card etc. Proof of Financial soundness: Endorsement of foreign currency equivalent to US $150/- per applicant or copy of international credit card or updated bank statement showing sufficient balance to finance travel to India.

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Duly filled in visa application. All columns in the application form should be completed carefully. Incomplete applications will be rejected.

3.3. Category of visas

Short-term Single Journey Visa This type of visa is normally issued for a period of stay in India upto 90 days for the purpose of tourism/ meeting relatives/ pilgrimage etc. The entry to India under this type of visa will be one month from date of issue of visa. Long-term Journey Visa This type of visa is normally issued for persons whose children are studying in India and dependents of persons employed in India or any other categories of persons requiring long term stay in India. Transit Single Entry Visa Persons transiting through India by land / river to a third country will be issued transit visa subject to production of ticket and valid visa for the third country. Transit Double Entry Visa Double entry transit visa will be issued to Bangladeshi nationals travelling by air subject to stipulation that period during each stay should not exceed 72 hours and they should possess confirmed return tickets. Medical /Medical attendant Visas In serious medical cases, medical visas with triple entry facilities may be granted. Along with the patient, a maximum of two medical attendants will be allowed. In addition to the documents indicated under General Conditions above, persons applying for medical visa are required to produce the following documents. 20

Medical certificate, in original, from recognized hospitals/ doctors indicating in detail the medical condition of the patient. Recommendation from the attending doctor for availing treatment abroad in case of first visit. Recommendation from the attending doctor in India in case of continued treatment in India. In case of hospitalization or long term treatment, proof of financial resources, as indicated below, may be sought. (a) Bank statements for last 6 months (b) Solvency certificate from Bank.

Business Visa Persons applying for business visa are required to submit the following documents in addition to the documents indicated under General conditions. Name, address and contact numbers of applicant's business establishment in Bangladesh A letter from the sponsoring organization/company from India A letter of recommendation from a recognized Chamber of Commerce in Bangladesh A copy of the Letter of Credit pertaining either to the last business transaction or the impending business transaction with an Indian company Journalist Visa A person applying for journalist visa is required to produce, in addition to the documents under General conditions an invitation letter from the organization in India on whose invitation the person is traveling to India. Details of places to be visited in India must be clearly indicated along with the schedule of visit. Student Visa Persons applying for student visa should enclose the following documents in addition to the documents under General Conditions: Evidence of admission to the Institute/Course in a recognised University / Board in India. 21

Guarantee from parents/guardian, through the authorized Bank to the effect that the applicant has enough financial resources to support studies in India and that bank will remit the required foreign Photocopies of relevant academic certificates on the basis of which admission is sought or has been obtained

Application for student visa should be submitted at least four weeks in advance of proposed date of travel to India.

Research Visa Approval of various Ministries in Government of India is required before Research visa is granted. The applicant should submit visa application along with full particulars of field of Research at least eight weeks before his travel to India to take up the work. Conference Visa Apart from the documents mention indicated under general conditions the applicant should produce (i) a letter of invitation from the organizer of the conference in India. (ii) A letter from the employer in Bangladesh. Application for conference visa should be submitted at least four weeks in advance of proposed date of travel to India Employment Visa Persons applying for employment visa should in addition to the documents under general conditions, submit a copy of the appointment letter from the Indian firm, a letter addressed to the Visa Section, High Commission of India, Dhaka from the employer in India, testimonials of interview in India , copies of press notification in India regarding the post. If the person is employed in Bangladesh, a letter from the present employer is also necessary. Persons traveling to India on Employment Visa are required to register themselves with nearest FRRO. Training Visa Application for training visa should be submitted at least four weeks in advance of commencement of training in India.

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Persons applying for training visa should in addition to the documents under general conditions, submit a copy of the letter from the institution in India, a letter addressed to the Visa Section, High Commission of India, Dhaka from the institution in India, If the person is employed in Bangladesh, a letter from the present employer is also necessary.

4.1. Findings
During my internship period, I observed that Indian Visa Application center newly introduced in State Bank of India though it is not related with Banking part, but as it is a service Bank getting benefit from it. For example, Bank selling Dollars/Endorsement and taking visa fee. But there are certain factors that the bank management should look at. Customers should get more benefit, like most number customer are unable to fill up the application from, some customer not able to come in the bank, reducing the visa fee, easy process to get medical visa, increase the visa processing time, taking long time to deliver passport etc. I want to highlights some special findings below: Some employees are not efficient because of lacking in proper training and experience in perspective field. It is in located in a major area of Sylhet. Scope of market penetration through diversified product. There is attractive market in Sylhet. Lengthy communication between management of head branch. Available products are not in sufficient to face immense competition. High concentration on fixed deposit

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4.2. Recommendations
As a visa processing system is one kind of service so to increase the efficiency in customer service the State Bank of India should try to improve and develop the process of providing services. To get a perfect process of delivering services, the customers should be encouraged to participate by providing their valuable advices. As most of customers are not able to fill up the application from management should take necessary step such as there should be an advisor to help them. As rules of the visa processing that all member must come in the bank for submit there visa form but in case of like patient he or she not able to come in the bank that time management should helpful to them. Visa processing fee should reduce. It is shown that in case of medical visa there is very complex process to get visa. In case of medical visa management should apply easy process and gibe surety to get visa. Visa processing time is not enough so management should increase time for applicant. It is taken seven days to return passport it is the long time so management should take step to reduce the time.

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5.1. Conclusion
State Bank of India has from the very beginning experienced growth in their operations. They started really small but have grown into a renowned and successful private bank within the last five years. From the last five years it included Indian visa processing service. It very helpful for peoples of Sylhet, cause before establishing this service system peoples are had to Dhaka or Chittagong for getting Indian visa. But now it is very easy to get visa from own city. It is providing service for five months. Because so many peoples are needs to go our neighbor country for visit, business, studies, medical service etc. If the State Bank of India improve there banking service as well as visa processing service that can help State Bank of India to gain more customer satisfaction and it will be easier for them to retain their present customer base and also acquire new customers to reach their goal of becoming the leading private bank in Bangladesh.

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5.2. Bibliography
1. Banking Law & Practice by SYED ASRAF ALI & R.A. HOWLADER 2. Annual Reports SBI-2008-09. 3. Brochures and different forms including account opening form. 4. Operation manual on General banking of SBI. 5. Website of SBI (http://www.Statebankofindia.com) 6. SBI, CIRCULAR and Rules and Regulation. 7. Annual reports of SBI (2007-2008)

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