Sanjay K. Bhattacharyya retired as Managing Director, Member on the Board of Directors & Chief Credit Officer of the State Bank of India (SBI) in October 2010 after 38 years of experience in the banking industry. At SBI, Mr. Bhattacharyya had full, independent responsibility for the entire asset book of the bank of nearly INR 4,500 billion (US $100 billion), being second-in-command only to the Chairman of the bank in the entire organization. With $30 billion in revenues, 26,500 branches & 200,000 employees SBI is India’s largest bank and one of the Asia’s largest financial institutions. Mr. Bhattacharyya has strong expertise and deep understanding of the debt markets, having spent substantial part of his career in project financing and having remained directly responsible for sanction of over INR 750 billion of credit. He also established the risk management practice in SBI, aligned specifically with Basel II requirements and built up and led the entire risk team in SBI at global level. Prior to his role in SBI, he was the CEO of State Bank of Bikaner & Jaipur (SBBJ), where in his tenure from 2005-2007 he grew the banks business base by over 60% from INR 300 billion to INR 500 billion. In his various roles Mr. Bhattacharya covered the entire spectrum of banking activities from retail, corporate to investment banking & project finance, having virtually remained associated at the highest level over the last two decades with all leading domestic and multinational corporations, banks, financial institutions and business houses operating in India. Mr. Bhattacharyya started his career as a Probationary Officer in the year 1972 and holds a Graduate Degree with Honours in Economics from St. Stephens College, Delhi University and is a Certified Associate of the Indian Institute of Bankers (CAIIB).