FULL BRANCH COMPUTERISATION (FCBs):  All the branches of the Bank are now fully computerised .This strategy has contributed to improvement in customer service.

ATM SERVICES:  There are 5290 ATMs on the ATM Network. These ATMs are located in 1721 centres spread across the length and breadth of the country, thereby creating a truly national network of ATMs with an unparalleled reach. Value added services like ATM locator, payment of fees for college students, multilingual screens, voice over and drawal of cash advance by SBI credit card holders have been introduced.

INTERNET BANKING (INB) :   This on-line channel enables customers to access their account information and initiate transactions on a 24x7, boundary less basis. 2225 branches, covering 555 centres are extending INB service to their customers. All functionalities other than Cash and Clearing have been extended to individual retail customers. A separate Internet Banking Module for Corporate customers has been launched and available at 1305 branches. Bulk upload of data for Corporate, Inter-branch funds transfer for Retail customers, Online payment of Customs duty and Govt. tax, Electronic Bill Payment, SMS Alerts, E-Poll, IIT GATE Fee Collection, Off-line Customer Registration Process and Railway Ticket Booking are the new features deployed.

GOVT. BUSINESS :   Software has been developed and rolled out at 7785 fully computerised branches. Electronic generation of all reports for reporting, settlement and reconciliation of Govt. funds is available.

STEPS   :   Under STEPS, the bank's electronic funds transfer system, the Products offered are eTransfer (eT), eRealisation (eR), eDebit (CMP) and ATM reconciliation. STEPS handles payment messages and reconciliation simultaneously.

SEFT :     SBI has launched the Special Electronic Fund Transfer (SEFT) Scheme of RBI, to facilitate efficient and expeditious Inter-bank transfer of funds. 241 branches of our Bank in various LHO Centres are participating in the scheme. Security of message transmission has been enhanced.

MICR Centres :   MICR Cheque Processing systems are operational at 16 centres viz. Mumbai, New Delhi, Chennai, Kolkata, Vadodara, Surat, Patna, Jabalpur, Gwalior, Jodhpur, Trichur, Calicut, Nasik, Raipur, Bhubaneswar and Dehradun.

Core Banking :   The Core Banking Solution provides the state-of-the-art anywhere anytime banking for our customers. The facility is available at 1012 branches.

Trade Finance   : The solution has been implemented, providing efficiency in handling Trade Finance transactions with Internet access to customers and greatly enhances the bank's services to Corporates and Commercial Network branches. This new Trade Finance solution, EXIMBILLS, will be implemented at all domestic branches as well as at Foreign offices engaged in trade finance business during the year.

WAN   :   The bank has set up a Wide Area Network, known as SBI connect, which provides connectivity to 4819 branches/offices of SBI Group across 385 cities as at 31st March 2005. This network provides across the board benefits by providing nationwide connectivity for its business applications.