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Page 1: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 2: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 3: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 4: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 5: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

1

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FOURTEENTH ANNUAL REPORT

2018-19

BOARD OF DIRECTORS

Sr.No.

Name of Director Designation Address

1. Mr. Vineet Kumar Dudeja Chairman Baroda Gujarat Gramin Bank,

2nd Floor, Sky-Line Building,

Near Shital Guest House, Bharuch

Head Office,

5. Mr. Rajesh Pai Assistant

(CEPC)

General Manager Reserve Bank of India (CEPC)

Main Office Building, Near Gandhi Bridge,

Ashram Road, Ahmedabad - 380 009.

6. Mr. Mukesh Thakkar

(IAS)

Additional Commissioner

Indira Awaas Yojna (IAY)

Office of Commissionerate of Rural Development

Block No. 16, 3rd Floor, Dr. Jivraj Mehta Bhavan,

Gandhinagar - 382 010.

4. Mr. S. P. Sathaye Deputy General Manager National Bank for Agri. & Rural Development

(NABARD) Regional Office, NABARD Tower,

Usmanpura, Ahmedabad.

2. Mr. K. V. Tulshibagwale General Manager Bank of Baroda Zonal Office

8th Floor, Bank of Baroda Towers,

New Law Garden, Ellisbridge, Ahmedabad.

3. Mr. Pradeep Srivastava General Manager Bank of Baroda

Baroda Zone, Baroda Bhavan,

R. C. Dutt Road, Alkapuri, Vadodara.

7. Mr. J. R. Parmar Director (DRDA)

District Rural Development Agency

District Rural Development Agency

Bharuch

Page 6: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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Ó¢¢ñÎã±¢æ ±¢<¯Ü Ðíç¼±ïÎÝ2018-19

çÝÎïà¢Ü }¢æÇHR }¢S¢æ. çÝÎïà¢Ü Ü ¢ Ý¢}¢ ÐÎÝ¢}¢ м¢

Ÿ¢è ç±Ýè¼ Üé }¢¢Ú ÇéÇïÁ¢¢ ¥Š²ÿ¢ ϢǢñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü , Ðí{¢Ý Ü ¢²¢üH²,ÎêS¢Úè }¢æçÁ¢H, SÜ ¢²-H¢§üÝ çÏ¢ËÇè´x¢,à¢è¼H x¢ïSŠ㢩S¢ Üï ТS¢, |¢LÓ¢ - 392 002.

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Ÿ¢è »S¢. Ðè. S¢‰¢¢²ï ©Ð }¢ã¢ ÐíÏ¢‹{Ü Ú¢cÅîè² Üë ç¯ »±æ x¢í¢}¢è‡¢ ç±Ü ¢S¢ Ï¢ñ´Ü (ݢϢ¢Çü)ÿ¢ï~¢è² Ü ¢²¢üH², ݢϢ¢Çü Å¢±Ú, ©S}¢¢ÝÐéÚ¢, ¥ã}¢Î¢Ï¢¢Î

4.

Ÿ¢è Ú¢Á¢ïࢠТ§ü S¢ã¢²Ü }¢ã¢ ÐíÏ¢‹{Ü(S¢è§üÐèS¢è)

çÚÁ¢±ü Ï¢ñ´Ü ¥¢òÈ §ç‡Ç²¢}¢éw² ¥¢òçÈ S¢ çÏ¢ËÇè´x¢, x¢¢æ{è Ï¢íèÁ¢ Üï ТS¢,¥¢Ÿ¢}¢ Ú¢ïÇG, ¥ã}¢Î¢Ï¢¢Î - 380 009.

5.

Ÿ¢è }¢éÜï ࢠÆvÜ Ú (¥¢§ü»»S¢) ¥ÐÚ ¥¢²éQ §üç‹ÎÚ¢ ¥¢±¢S¢ ²¢ïÁ¢Ý¢(¥¢§ü»±¢²)

x¢í¢}¢è‡¢ ç±Ü ¢S¢ ¥¢²éQ Ü ¢²¢üH²,ÏH¢òÜ Ýæ. 16, ¼èS¢Úè }¢æçÁ¢H,Ç¢ò. Á¢è±Ú¢Á¢ }¢ãï¼¢ |¢±Ý, x¢¢æ{èÝx¢Ú - 382 010.

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Ÿ¢è Á¢ï. ¥¢Ú. ÐÚ}¢¢Ú çÝÎïà¢Ü (Ç襢ÚÇè»)çÁ¢H¢ x¢í¢}¢è‡¢ ç±Ü ¢S¢ S¢æS‰¢¢Ý

çÁ¢H¢ x¢í¢}¢è‡¢ ç±Ü ¢S¢ S¢æS‰¢¢Ý,|¢LÓ¢

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Page 7: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 8: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra
Page 9: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

3

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(Amt. ` in '000)

2018-192017-18

Ï¢ñ´Ü Ü è ©ÐHçÏ{²¢¡ »Ü ÎíçC }¢ï´Performance of the Bank at a Glance March, 2019

A. KEY PERFORMANCE INDICATORS

1. ¥¢ÓÀ¢çμ çÁ¢H¢ï´ Ü è S¢æw²¢ No. of district covered 14 14

2. ࢢ¶¢¥¢ïæ Ü è S¢æw²¢ No. of Branches 245 246

x¢í¢}¢è‡¢ Rural 157 158

¥{üà¢ãÚè Semi - Urban 57 57

à¢ãÚè Urban 14 14

}¢ã¢Ýx¢Úè Metropolitan 17 17

3. Üé H Ü ¢<}¢Ü ¢ï´ Ü è S¢æw²¢ Total Staff 901 966

©Ý}¢ï´ S¢ï ¥ç{Ü ¢Úè of which, Officers 396 453

4. Á¢}¢¢Ú¢çࢠDeposits 35780495 38661954

±ëçh Ðíç¼à¢¼ Growth % 6.24% 8.05%

5. ©{¢Ú ¥±à¢ï¯ Borrowings Outstanding 2830941 2552509

±ëëçh Ðíç¼à¢¼ Growth % -10.87% -9.83%

6. «‡¢ »±æ ¥çx¢í}¢ ¥±à¢ï¯ Gross Loans & Adv. Outstanding 17070740 19247512

±ëëçh Ðíç¼à¢¼ Growth % 15.26% 12.75%

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ Ü ¢ «‡¢ Of 6 above, to Priority Sector 14083906 15817683

x¢ñÚHÿ²¼Ú S¢}¢êã to Non Priority Sector 2986823 3429829

»S¢.S¢è./»S¢.Åè. Ü ¢ «‡¢ to SC/ST 4034232 4380835

»S¢»È /»}¢»È /»H Ü ¢ «‡¢ 6 }¢ï´ S¢ï to SF/MF/AL 4496479 6744080

HÍ¢é}¢ç¼ Ü ¢ «‡¢ 6 }¢ï´ S¢ï to Minorities 487614 487469

7. «‡¢ Á¢}¢¢Ú¢çࢠ¥ÝéТ¼ Credit Deposit Ratio (CDR) 47.71% 49.78%

8. Üé H çݱïࢠ¥±à¢ï¯ Total Investments Outstanding 10437864 13750160

±ëëçh Ðíç¼à¢¼ Growth % 15.18% 31.73%

S¢¢æç±ç{Ü Ó¢H çݱïà¢ Ï¢Ü ¢²¢ of which, SLR Investment Outstanding 10233931 13396358

x¢ñÚ S¢¢æç±ç{Ü Ó¢H çݱïà¢ Ï¢Ü ¢²¢ Non-SLR Investment Outstanding 0 353802

B. ¥¢ñS¢¼ AVERAGES

9. ¥¢ñS¢¼ Á¢}¢¢Ú¢çࢠAverages Deposits 33604538 36254237

±ëëçh Ðíç¼à¢¼ Growth % 10.28% 7.88%

10. ¥¢ñS¢¼ «‡¢ Average Borrowings 2825591 3036182

±ëëçh Ðíç¼à¢¼ Growth % 11.23% 7.45%

11. ¥¢ñS¢¼ çݱæࢠAverage Gross Loans & Adv. 15427152 17832165

±ëëçh Ðíç¼à¢¼ Growth % 14.36% 15.59%

}¢éw² ©ÐHçÏ{ S¢êÓ¢Ü

Page 10: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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2018-192017-18

12. Average Investments [Total] 9123280 11997391

±ëëçh Ðíç¼à¢¼ Growth % 29.56% 31.50%

¥¢ñS¢¼ S¢¢æç±ç{Ü Ó¢H çݱïࢠAvg SLR Invt. as% to Avg. Deposits 26.92% 32.32%

¥¢ñS¢¼ x¢ñÚS¢¢æç±ç{Ü Ó¢H çݱïࢠAvg. Non- SLR Invt. as% to Avg. Dep. 0.26% 0.01%

13. ¥¢ñS¢¼ Ü ¢²üÜ ¢Úè Ü ¢ò¯ Average Working funds 38748513 41966114

C. LOANS ISSUED DURING THE YEAR

14. ±¯ü ΢ñÚ¢Ý çβ¢ x¢²¢ «‡¢ Issued during the year 8461158 9225153

±ëëçh Ðíç¼à¢¼ Growth % 8.36% 9.03%

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ Ü ¢ «‡¢ Of 14 above, to Priority Sector 7155950 7978133

x¢ñÚ Hÿ²¼Ú S¢}¢êã to NPS 1305208 1247020

»S¢S¢è/»S¢Åè Ü ¢ «‡¢ to SC/ST 1066893 962641

»S¢»È /»}¢»È /»»H Ü ¢ «‡¢ to SF/MF/AL 1637018 1675784

HÍ¢é}¢ç¼ Ü ¢ «‡¢ to Minorities 210819 174683

D. ©yТÎÜ ¼¢ PRODUCTIVITY

15. Ðíç¼à¢¢¶¢ Per Branch 215719.33 235404.33

Ðíç¼Ü <}¢ Per Staff 58658.42 59947.69

E. ±S¢éH¢¼ ©ÐHçÏ{ RECOVERY PERFORMANCE

16. Üé H Total

}¢¢æx¢ Demand 3215942 3532988

±S¢éHè Recovery 2532128 2872137

¥ç¼Îï² Overdues 682494 660851

±S¢éHè Ðíç¼à¢¼ (Á¢êÝ çS‰¢ç¼) Recovery % [June Position] 78.74% 81.29%

17. Üë ç¯ ÿ¢ï~¢ Farm Sector

}¢¢æx¢ Demand 1089103 1152379

±S¢éHè Recovery 620763 695669

¥ç¼Îï² Overdues 468340 456710

±S¢éHè Ðíç¼à¢¼ (Á¢êÝ çS‰¢ç¼) Recovery % [June Position] 57.00% 60.37%

18. x¢ñÚ Üë ç¯ ÿ¢ï~¢ Non- Farm Sector

}¢¢æx¢ Demand 2126839 2380609

±S¢éHè Recovery 1911365 2176469

¥ç¼Îï² Overdues 215474 204140

±S¢éHè Ðíç¼à¢¼ (Á¢êÝ çS‰¢ç¼) Recovery % [June Position] 89.87% 91.42%

F. ¥¢çS¼ ±x¢èüÜ Ú‡¢ ASSET CLASSIFICATION

19. }¢¢ÝÜ Standard 16262320 18207773

¥±}¢¢ÝÜ Sub-Standard 284862 436783

¥¢ñS¢¼ çݱïà¢

±¯ü ΢ñÚ¢Ý çβ¢ x¢²¢ «‡¢

(Amt. ` in '000)

Page 11: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

5

çkhkuzk økwshkík økúk{eý çkUf

2018-192017-18

Doubtful 510426 587750

ã¢çÝ Loss 13132 15206

Üé H Total 17070740 19247512

20. }¢¢ÝÜ ¥¢çS¼²¢ï´ Ü ¢ % Std. Assets as % to 95.26% 94.60%

«‡¢ »±æ ¥çx¢í}¢ ¥±à¢ï¯ Üï S¢¢}¢Ýï Gross Loans & Adv. O/s.

G. PROFITABILITY ANALYSIS

21. ÐíÎœ¢ ϲ¢Á¢ Interest paid on :

Á¢}¢¢ Ú¢çࢠDeposits 1827270 1885264

©{¢Ú Ú¢çࢠBorrowings 175388 167925

22. ±ï¼Ý Salary 594836 1030847

23. ¥‹² ÐçÚÓ¢¢HÝ ¶Ó¢ü Other Operating Expenses 319093 317505

24. Ó¢¢Hé S¢¢H Üï Ðí¢±{¢Ý Provisions made during the year:

»ÝÐè» Üï S¢¢}¢Ýï Against NPA/NPA Floating Reserve/ other 15000 15000

¥‹² Ðí¢±{¢Ý Other provisions 55339 60

25. ¥<Á¢¼ ϲ¢Á¢ Interest received on:

«‡¢ »±æ ¥çx¢í}¢ Loans & Advances 1522627 1710876

Ó¢¢Hé ¶¢¼ï Current A/c with Sponsor Bank / other Banks 819134 627692

çݱïࢠ/ Ü ¢ïH }¢Ýè / ÅèÇè¥¢Ú Investment [Including FDRs] 1511616 1549135

26. ¥‹² ¥¢² Mis. Income 186258 218034

27. H¢|¢ Profit 89329 14859

H. ¥‹² S¢êӢݢ»æ OTHER INFORMATION

28. à¢ïÚ ÐêæÁ¢è Á¢}¢¢Ú¢çࢠ¥<Á¢¼ Share Capital Deposit received 0 0

29. ¥¢Úçÿ¢¼ çÝç{ Reserves 1331199 1346058

30. S¢æÓ¢²è Ðí¢±{¢Ý Cumulative Provision:

»ÝÐè» Üï S¢¢}¢Ýï Against NPAs 513244 528244

Á¢¢HS¢¢Á¢è Üï S¢¢}¢Ýï Against Intangible Assets, Frauds etc. 29389 29389

31. ¥}¢¢‹²¼¢ Ðí¢# ϲ¢Á¢ Interest Derecognized:

±¯ü ΢ñÚ¢Ý During the year [Net] - -

S¢æÓ¢²è Cumulative - -

32. ±¯ü ΢ñÚ¢Ý Ï¢^ï ¶¢¼ï Ç¢Hï x¢²ï «‡¢ Loans Written off during the year:

¶¢¼¢ï´ Ü è S¢æw²¢ No. of A/cs 1601 1375

Ú¢çࢠAmount 40421 393.92

S¢æçÎx{

H¢|¢Ðíμ¢ ç±ÔH﯇¢

(Amt. ` in '000)

Page 12: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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LIST OF BRANCHES

GODHRA REGION : REGIONAL OFFICE“Kalindi” 1, Mahavir Jain Society, GODHRA - 389 001.

Ph : (02672) 242438, 248405, 244834Fax : (02672) 247401

E-mail : [email protected]

VALSAD REGION : REGIONAL OFFICE3rd Floor, Aditya Chambers, Near Petrol Pump,

Station Road, VALSAD-396 001.Ph. : (02632) 242130, 253790, 241194-95 Fax : 244057

E-mail : [email protected]

DAHOD DISTRICT 22

ABHLOD

BALAIYA

BILWANI

CHAKALIYA

DABHVA(S)

DAHOD

DEV’BARIA

DHANPUR

GANGARDI

GARBADA

GODHRA ROAD-DAHOD

JEKOT

KADVAL

KHAREDI

LIMDI

LIMKHEDA

PETHAPUR

PIPLOD

RACHHARDA

SANJELI

SINGWAD

ZALOD

MAHISAGAR DISTRICT 18

BALASINOR

CHAVDIBAINA MUVADA

KADANAGAM

KALIBEL

KHEROLI

KIDIA

LADVEL

LUNAWADA

MADHWAS

MALEKPUR

MOTAKHANPUR

MOTISARSAN

MUDAVADEKH

RATANPUR ®

RPM

SANTRAMPUR

UNDRA

VIRANIA

PANCHMAHAL DISTRICT 27

ARAD

BAHI

BODIDRA (B)

BORIA

DUMA

DUNIA

GHOGHAMBA

GODHRA

HALOL

HARKUNDI

JAFARABAD

KALOL

KANTU

METRAL

MORVA(H)

NADISAR

NANDARWA

PANELAV

RANJITNAGAR

RINCHHWANI

SALIYA (SANTROAD)

SAMPA

SHAHERA

SIMALIA

TIMBAGAM

VAVDI BUZARG

WAGHJIPUR

DANG DISTRICT 4

AHWASAKARPATALSAPUTARASUBIR

NAVSARI DISTRICT 33

ACHHAWANIBAMANVELBHATBHATTAIBHINARBILIMORACHHAPRA ROADCHHINAMCHIKHLIENDHALGANDEVIGHEJKALIYARIKAMBOYAKHANPURKHERGAMKUKERIMACHHIWADMANEKPOREMANGROLMAROLIMASAMENDHARMOTIVALZARNAVSARIPERAPIPALKHEDSARAUNDACHVANDERVELAVANKALVANSDAVEDCHHAVESMA

TAPI DISTRICT 3

BHADBHUNJASONGADHVYARA

SURAT DISTRICT 32AFVABABENBARDOLIDHOLIKUIDINDOLIDUMBHALENAGHALAGODSAMBAJAHANGIRPURAKANIKAPODARAKARANJKATHODARAKATHORKHARVASAKOSADKOSMADAKUMBHARIAMANDVINAGODPALODPALSANAPARIASACHINSANIYA HEMADSARTHANASHERDISYADLAVARIAVVELANJAYOGI CHOWK

VALSAD DISTRICT 15AMBACHDHARAMPUREKLERAFALDHARAGOIMAKAMPARIAKAPARADAKHAJURDIKILLAPARDILILAPORENANAPONDHARONVELSUTHARPADAVALSADVAPI

Page 13: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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çkhkuzk økwshkík økúk{eý çkUf

LIST OF BRANCHES

VADODARA REGION : REGIONAL OFFICE101-A, B. N. Chambers, First Floor, Opp. Welcome Group Hotel, R. C. Dutt Road, Alkapuri, Vadodara - 390 005.

Ph. : (0265) 2310940, 2310950, 2310960 Fax : 0265 - 2310980E-mail : [email protected]

ANAND DISTRICT 15

ASODAR

BHADRAN

BORSAD

JITODIA

KALAMSAR

KARAMSAD

KHAMBHAT

KHANPUR

LAMBHVEL ROAD

PANSORA

SOJITRA

UMETA

UMRETH

VANSOL

VAHERAKHADI

BHARUCH DISTRICT 29

ABC CHOKADI

ANDADA

ANKLESHWAR GIDC

ANKLESHWER

ATALI

BHARUCH

CHANCHVEL

DADHAL

DAHEGAM

DAHELI

DAYADRA

GOVALI

HANSOT

HINGLOT

IKHAR

JAMBUSAR

JHAGADIA

KARELI

LINK ROAD

MANDVA

NETRANG

NODHANA

SAMNI

SHAKTINATH

VAGRA

VALIA

VAREDIA

VILAYAT

ZADESHWAR ROAD

CHHOTA UDEPUR DIST. 03

BODELI

CHHOTA UDEPUR

GOLA GAMDI

KHEDA DISTRICT 14

BHANER

BILODRA

CHARED

CHHIPADI

DAKOR

KAPDVANJ

MARIDA

PETLI

PIJ ROAD

PITHAI

RINCHHOL

SEVALIA

THASARA

VASO

NARMADA DISTRICT 07

GARUDESHWAR

LACHHARAS

NIVALDA

RAJPIPLA

RAJUVADIA

SELAMBA

VAVDI

VADODARA DISTRICT 23

CHHALIER

CHHANI

CHOKARI

DABHOI

KALALI

KARJAN

KOLIYAD

KURAL

MANJALPUR

NEW VIP ROAD

PADARA

POR

SAYAJIPURA

SHERAKHI

SHIROLA

SOKHDA

SUBHANPURA

TARSALI

TUNDAV

VARASADA

VASNA ROAD

VEMALI

WAGHODIA ROAD

Page 14: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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Director's Report – 2018-19çÝÎïà¢Ü }¢æÇH Ü è çÚТïÅü 2018-19

çÝÎïà¢Ü }¢æÇH Ó¢¢ññÎã±ï´ ±¢<¯Ü çÚТïÅü Üï S¢¢‰¢ }¢¢Ó¢ü Ü ¢Hﶢ ÐÚèçÿ¢¼ ¼éHÝÐ~¢ »±æ 01 ¥ÐíñH 2018 S¢ï 31 }¢¢Ó¢ü 2019

¼Ü Üï çH» H¢|¢ ã¢çÝ Hﶢ »±æ ÝÜ Îè Ðí±¢ã ç±±Ú‡¢ S¢ã¯ü ÐíS¼é¼Ü Ú¼ï ãñ´ J

1.

Üï ‹Îíè² S¢ÚÜ ¢Ú Ýï ¥ÐÝè ¥ç{S¢êӢݢ R . »È . Ýæ.1(2)2001/¥¢Ú¥¢ÚÏ¢è çÎÝ¢æÜ : 12 çS¢¼æÏ¢Ú 2005, ÿ¢ï~¢è²x¢í¢}¢è‡¢ Ï¢ñ´Ü ¥ç{çݲ}¢ (1976 Ü ¢ 21) Ü è ©Ð{¢Ú¢ (1) Üï 23 »Üï ÐçÚÓÀïÎ (1) }¢ï´ çλ x¢» ¥ç{Ü ¢Ú¢ï´ Üï ¼ã¼ »±æ Ú¢cÅîè² Üë ç¯ »±æx¢í¢}¢è‡¢ Ï¢ñ´Ü (ݢϢ¢Çü) x¢éÁ¢Ú¢¼ S¢ÚÜ ¢Ú ¼‰¢¢ Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ ÜïS¢¢‰¢ Á¢¢ï çÜ S¢êÚ¼ - |¢LÓ¢ x¢í¢}¢è‡¢ Ï¢ñ´Ü , ±HS¢¢Ç-Ç¢æx¢ x¢í¢}¢è‡¢ Ï¢ñ´Ü¼‰¢¢ ÐæÓ¢}¢ãH-±ÇG¢ïÎÚ¢ x¢í¢}¢è‡¢ Ï¢ñ´Ü Üï Ðí¢²¢ïÁ¢Ü ãñ´, ÐÚ¢}¢à¢ü Ü ÚÁ¢Ý¼¢ Üï çã¼¢ï´ Üï çH» ¼‰¢¢ çÁ¢Ý-çÁ¢Ý ÿ¢ï~¢¢ï´ }¢ï´ ²ã ÿ¢ï~¢è² x¢í¢}¢è‡¢Ï¢ñ´Ü Ü ¢²üÚ¼ ãñ´ ©Ý ÿ¢ï~¢¢ï´ Üï S¢}¢éçÓ¢¼ ç±Ü ¢S¢ Üï çH» ¼‰¢¢ S¢¢‰¢ ãè©Q x¢í¢}¢è‡¢ Ï¢ñ´Ü ¢ï´ Üï çã¼¢ï´ Üï çH» §Ý ¼èÝ x¢í¢}¢è‡¢ Ï¢ñ´Ü ¢ï´ Ü ¢S¢}¢¢}¢ïHÝ Ü Ú »Ü »Ü H ÿ¢ï~¢è² x¢í¢}¢è‡¢ Ï¢ñ´Ü Ü è S‰¢¢ÐÝ¢ Ü èçÁ¢S¢Ü ¢ Ý¢}¢ Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü »±æ }¢éw² Ü ¢²¢üH² |¢LÓ¢Ú¶¢ x¢²¢ J

2. ࢢ¶¢ ÝïűÜü :

Ï¢ÇG¢ñ΢ - x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü Ü ¢ ç~¢S¼Úè² Ã²±S‰¢¢ ¼æ~¢ ãñ çÁ¢S¢}¢ï´(1) }¢éw² Ü ¢²¢üH² - |¢LÓ¢, (2) ¼èÝ ÿ¢ï~¢è² Ü ¢²¢üH² x¢¢ï{Ú¢,±ÇG¢ïÎÚ¢ »±æ ±HS¢¢Ç, (3) x¢éÁ¢Ú¢¼ Üï -14- çÁ¢H¢ï´ ¥¢‡¢æÎ, |¢LÓ¢,À¢ïÅ¢ ©ÎïÐéÚ, ΢ã¢ïÎ, Ç¢æx¢, ¶ïÇ¢, }¢çãS¢¢x¢Ú, Ý}¢ü΢, ݱS¢¢Úè,ÐæÓ¢}¢ã¢H, S¢éÚ¼, ¼¢Ðè, ±Ç¢ïÎÚ¢ »±æ ±HS¢¢ÇÜ ¢ï ¥¢ÓÀ¢çμ Ü Ú¼ïãé» - 246- ࢢ¶¢¥¢ïæ Ü ¢ ÝïűÜü ࢢç}¢H ãñ J Ï¢ñ´Ü ¥ÐÝè S¢ï±¢»æÁ²¢Î¢¼Ú x¢í¢}¢è‡¢ ÿ¢ï~¢ Ü è x¢ÚèÏ¢ Á¢Ý¼¢ Üï ç±Ü ¢S¢ ¼‰¢¢ ©ÝÜ ¢ Á¢è±ÝS¼Ú ª¡Ó¢¢ H¢Ýï }¢ï´ ÐíÎ¢Ý Ü Ú¼è ãñ´ J

çÁ¢H¢±¢Ú »±æ ÿ¢ï~¢±¢Ú ࢢ¶¢¥¢ïæ Ü ¢ ϲ¢ñÚ¢ Ü è Á¢Ýx¢‡¢Ý¢ Üï¥ÝéS¢¢Ú çÝ}Ý ÐíÜ ¢Ú S¢ï ãñ´ :

31 2019

S¢æçÿ¢# ÐçÚÓ¢² :

2011

The Board of Directors have pleasure in presentingth

the 14 Annual Report alongwith the Audited Balancesheet as on March 31, 2019, Profit and Loss accountand Cash Flow Statement for the period fromApril 01,2018 to March 31, 2019.

1. Brief Introduction :

The Government of India vide its NotificationNo.F.No.1 (2) 2001/RRB dated September12, 2005, in exercise of the powers conferredby Sub-section (1) of section 23A of the RRBsAct, 1976 (21 of 1976) and also in consultationwith National Bank for Agriculture & RuralDevelopment (NABARD), Government ofGujarat and Bank of Baroda, being theSponsor Bank of Panchmahal VadodaraGramin Bank, Surat Bharuch Gramin Bankand Valsad Dangs Gramin Bank, in the publicinterest and in the interest of the developmentof the area served by the aforesaid RRBs asalso in the interest of said RRBs themselves, amalgamated the said three RRBs into asingle Regional Rural Bank and named asBaroda Gujarat Gramin Bank with its Headoffice at Bharuch.

2. Branch Network :

Baroda Gujarat Gramin Bank is having threetier organizational set up viz. I) Head Office atBharuch, II) -3- (Three) Regional Offices atVadodara, Godhra and Valsad, III) A networkof -246- branches covering fourteen districtsof the Gujarat State viz. Valsad, Dang,Navsari, Surat, Tapi, Bharuch, Narmada,Vadodara, Panchmahal, Dahod, Anand,Mahisagar, Chhotaudaipur and Kheda. Thebank is rendering its services mostly to therural poor for their development and upliftmentof their living standard. The district-wise andregion-wise break up of branch network as percensus 2011 is given below:

Page 15: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

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çÁ¢H¢ »±æ ÿ¢ï~¢±¢Ú ࢢ¶¢¥¢ïæ Ü è S¢æw²¢ District & Region wise No. of branches :

A

1

2

3

B

1

2

3

4

5

6

C

1

2

3

4

5

Godhra Region

Panchmahal

Dahod

Mahisagar

Godhra Region Total

Vadodara Region

Bharuch

Narmada

Vadodara

Anand

Kheda

Chhotaudepur

Vadodara Region Total

Valsad Region

Surat

Valsad

Navsari

Dangs

Tapi

Valsad Region Total

BGGB Total

-

-

-

-

-

-

09

-

-

-

09

08

-

-

-

-

08

17

01

02

-

03

05

-

-

01

01

-

07

-

02

02

-

-

04

14

06

08

03

17

05

01

04

06

06

02

24

06

02

05

01

02

16

57

20

12

15

47

19

06

10

08

07

01

51

18

11

27

03

01

60

158

27

22

18

67

29

07

23

15

14

03

91

32

15

34

04

03

88

246

ÿ¢ï~¢¢ï´ / çÁ¢H¢ï´ Üï Ý¢}¢Name of the Regions/Districts

x¢¢ï{Ú¢ ÿ¢ï~¢

ÐæÓ¢}¢ã¢H

΢ã¢ïÎ

}¢çãS¢¢x¢Úx¢¢ï{Ú¢ ÿ¢ï~¢ Üé H

±ÇG¢ïÎÚ¢ ÿ¢ï~¢

|¢LÓ¢

Ý}¢ü΢

±ÇG¢ïÎÚ¢

¥¢‡¢æÎ

¶ïÇ¢

À¢ïÅ¢©ÎïÐéÚ

±ÇG¢ïÎÚ¢ ÿ¢ï~¢ Üé H

±HS¢¢ÇG ÿ¢ï~¢

S¢êÚ¼

±HS¢¢ÇG

ݱS¢¢Úè

Ç¢æx¢

¼¢Ðè

±HS¢¢ÇG ÿ¢ï~¢ Üé H

Ï¢èÁ¢èÁ¢èÏ¢è Üé H

R }¢ S¢æ.Sr. No.

}¢ã¢Ýx¢ÚMetro

à¢ãÚèUrban

¥{ü à¢ãÚèSemi Urban

x¢í¢}¢è‡¢Rural

Üé HTotal

In addition to above, there are -04- (Four) satellitebranches in Valsad Region viz., Kandha, Tamada Chhadi,Lavkar, Meghwad and -01- (One) Thava branch inVadodara Region.

©ÐÚ¢ïQ Üï ¥H¢±¢ ±HS¢¢ÇG ÿ¢ï~¢ }¢ï´ -04- S¢ïÅïH¢§üŠࢢ¶¢»¡ R }¢à¢:Ü ¢æ{¢, ¼}¢¢ÇG¢ À¢ÇGè, H±Ü Ú, }¢ïÍ¢±¢ÇG »±æ Ï¢ÇG¢ñ΢ ÿ¢ï~¢ }¢ï´ -01- ࢢ¶¢‰¢±¢ ¶¢ïHè x¢§ü ãñ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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1

ࢢ¶¢ Üï Ý¢}¢Name of Branch

ÐèÐH¶ïÇGPipalkhed

R }¢ S¢æ.Sr. No.

ݱS¢¢ÚèNavsari

±HS¢¢ÇValsad

x¢í¢}¢è‡¢Rural

çÁ¢H¢District

Ÿ¢ï‡¢èCategory

ÿ¢ï~¢Region

30-03-2019

ࢢ¶¢ ¶¢ïHÝï Ü è çÎÝ¢æÜBranch

Opening Date

籜¢è² ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ï¢ñæÜ Ýï -1- ݧü ࢢ¶¢ ¶¢ïHè ãñ´ Á¢¢ï çÝ}Ý¢ÝéS¢¢Ú ãñ :During the Financial Year 2018-19, Bank has opened -1- new branches as under :

3. Share Capital :

As on 31 March, 2015, Paid up share capitalwas ` 3.00 crore and share Capital Depositswere ` 2004.68 lakh subscribed in the ratio of50:35:15 by the Central Government, Bank ofBaroda & Government of Gujarat.

As per the Regional Rural Bank (Amendment)Act, 2015 passed by the Parliament and notifiedin GOI Gazette Notification dated 12 May 2015and operationalized vide Gazette notificationdated 4 February, 2016; the authorized sharecapital of the Regional Rural Banks has beenraised from ` 5.00 crore to ` 2000 crore. In view ofthe same, Share Capital Deposits of ` 2004.68 lakhhas been converted into Share Capital on 31-3-2016. As such, Total Paid up Share Capital of theBank as on 31 March, 2019 is ` 2304.68 lakh.

The details of Paid up capital as on 31.03.2019 areas under:

3.

}¢¢Ó¢ü, Ü ¢ï Ï¢ñ´Ü Ü è Á¢¢Úè ÐéæÁ¢è Ü Ú¢ïÇG ãñ´ ¥¢ñÚ à¢ï²Ú ÐêæÁ¢èÁ¢}¢¢ ` 2004.68 H¢¶ ãñ, Á¢¢ï Üï ‹Îí S¢ÚÜ ¢Ú, Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢,x¢éÁ¢Ú¢¼ S¢ÚÜ ¢Ú }¢ï´ 50:35:15 Üï ¥ÝéТ¼ }¢ï´ ç±|¢¢çÁ¢¼ ãñ´ J

ÿ¢ï~¢è² x¢í¢}¢è‡¢ Ï¢ñ´Ü S¢æࢢï{Ý ¥ç{çݲ}¢ 2015, Á¢¢ï S¢æS¢Î m¢Ú¢Ð¢çÚ¼ ã饢 ¼‰¢¢ |¢¢Ú¼ S¢ÚÜ ¢Ú Ú¢Á¢Ð~¢ ¥ç{S¢êӢݢ }¢ï´ 12-5-2015

Ü ¢ï ¥ç{S¢êçÓ¢¼ ã饢 ¼‰¢¢ 4 È Ú±Úè 2016 Ü ¢ï Ðꇢü LÐ S¢ïÐçÚÓ¢¢çH¼ ã饢 J ©S¢Üï ¥ÝéS¢¢Ú ÿ¢ï~¢è² x¢í¢}¢è‡¢ Ï¢ñ´Ü Ü è Ðí¢ç{Üë ¼à¢ï²Ú ÐêæÁ¢è Á¢¢ï }¢¢ñÁ¢ê΢ S¼Ú ÐÚ ` 5 Ü Ú¢ïÇG Lвï ãñ J ©S¢Ü ¢ï Ϣɢ Ü Ú2000 Ü Ú¢ïÇG Lвï çÜ ²¢ x¢²¢, ©S¢èÜ ¢ï Š²¢Ý }¢ï´ Ú¶¼ï ãé» à¢ï²Ú ÐêæÁ¢èÜï Á¢}¢¢ ` 2004.68 H¢¶ Ü ¢ï çÎÝ¢æÜ 31-3-2016 Ü ¢ï à¢ï²ÚÐêæÁ¢è}¢ï´ ÐçÚ±<¼¼ çÜ ²¢ x¢²¢ J §S¢ ÐíÜ ¢Ú S¢ï 31-3-2019 Ü ¢ï Ï¢ñ´Ü Ü è Üé H ÐíÎœ¢ à¢ï²Ú ÐêæÁ¢è ` 2304.68 H¢¶ Lвï ãñ J

31-3-2019 Ü ¢ï ÐíÎœ¢ à¢ï²Ú ÐêæÁ¢è Ü ¢ ç±±Ú‡¢ çÝ}Ý¢ÝéS¢¢Ú ãñ :

à¢ï²Ú ÐéæÁ¢è :

31 2015 ` 3

|¢¢Ú¼ S¢ÚÜ ¢ÚÐí¢²¢ïÁ¢Ü Ï¢ñ´Ü , Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢x¢éÁ¢Ú¢¼ S¢ÚÜ ¢ÚÜé H

à¢ï²Ú {¢ÚÜShare Holder

Government of India

Sponsor Bank, Bank of Baroda

Government of Gujarat

Total

50

35

15

100

1152.34

806.64

345.70

2304.68

¥æà¢Î¢Ý %

Contribution(% Share)

¥Î¢ çÜ ²¢ x¢²¢ à¢ï²ÚPaid up

Share Capital

(Amt. ` in Lakh)(Ú¢çࢠ`.H¢¶ }¢ï´)

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16317

2250646

183576

2450539

--

9962

2532

16040

1983140

171328

2170508

--

8859

2409

7959.53

175678.57

202981.44

386619.54

5.20

1571.62

399.40

10993.90

163806.71

183004.34

357804.95

5.44

1460.43

397.12

277

267506

12248

280031

--

1103

123

1.73

13.49

7.15

12.90

--

12.45

5.11

-3034.37

11871.86

19977.10

28814.59

-0.24

111.19

2.28

-27.60

7.25

10.92

8.05

-4.41

7.61

0.57

2018-192017-18

¶¢¼¢ A/cs ¶¢¼¢ A/cs Á¢}¢¢Ú¢çࢠAmount

2018-192017-18 Ú¢çà¢Absolute

% Ú¢çà¢Absolute

%

Á¢}¢¢Ú¢çࢠAmount

çS‰¢ç¼ Position

ç±±Ú‡¢Particulars

±ëçh Growth

Ó¢¢Hé Á¢}¢¢ Ú¢çà¢Current Deposits

Ï¢Ó¢¼ Ï¢ñ´Ü Á¢}¢¢ Ú¢çà¢SB Deposits

ç}¢²¢Îè Á¢}¢¢ Ú¢çà¢Term Deposits

Üé H Á¢}¢¢ Ú¢çà¢Total Deposits

Á¢}¢¢ Ú¢çà¢ Ü è ¥¢ñS¢¼ H¢x¢¼Avg. Cost of Deposits

Ðíç¼ à¢¢¶¢ Á¢}¢¢ Ú¢çà¢Per Branch Deposits

Ðíç¼ Ü }¢üÓ¢¢Úè Á¢}¢¢ Ú¢çà¢Per Employee Deposits

4. Deposits:

The total deposits of the bank reached the level of`. 386619.54 lakh at the end of 31.03.2019recording growth of `. 28814.59 lakh (8.05%) overprevious year.

The category wise break-up of deposits for last twoyears is given below:

4.

çÎÝ¢æÜ Ü ¢ï S¢}¢¢# ã¢ïÝï ±¢Hè ¥±ç{ ¼Ü Üé HÁ¢}¢¢Ú¢çà¢ Ü ¢ S¼Ú `. 386619.54 H¢¶ ÐÚ ÐãéæÓ¢¢, çÁ¢S¢S¢ï x¢¼±¯üÜ è ¼éHÝ¢ }¢ï´ `. 28814.59 H¢¶ (8.05%) Ü è ±ëçh ÎëçCx¢¼ ãé§üJÁ¢}¢¢Ú¢çà¢ Ü ¢ x¢¼ Î¢ï ±¯¢ïZ Ü ¢ Ÿ¢ï‡¢è±¢Ú ç±|¢¢Á¢Ý çÝ}Ý¢ÝéS¢¢Ú ãñ :

Á¢}¢¢ Ú¢çࢲ¢¡ :31-03-2019

(Ú¢çࢠ`.H¢¶ }¢ï´) (Amt. ` in lakh)

çÎÝ¢æÜ Ü ¢ï Üé H Á¢}¢¢Ú¢çࢲ¢ï´ }¢ï´ ¥ËÐ H¢x¢¼ Á¢}¢¢Ú¢çࢲ¢ï´ Ü ¢ çãSS¢¢ 47.50% Ú㢠J

Ý» ¶¢ïHï x¢» Ï¢Ó¢¼ Ï¢ñ´Ü Á¢}¢¢ ¶¢¼ï

±¯ü 2018-19 Üï ΢ñÚ¢Ý Üé H 236384 Ý» Ï¢Ó¢¼ Ï¢ñ´Ü Á¢}¢¢ ¶¢¼ïﶢïHï x¢», çÁ¢S¢}¢ï´ S¢ï 47533 ¶¢¼ï ‘Ï¢ïçS¢Ü S¢ïô±x¢ Ï¢ñ´Ü Á¢}¢¢ ¶¢¼ï’‰¢ï J

»Ý¥¢Ú§ü / »Ý¥¢Ú¥¢ï Á¢}¢¢Ú¢çࢲ¢¡

±¼ü}¢¢Ý }¢ï ´ Ï¢ñ ´Ü Ü è 71 ࢢ¶¢»¡ »Ý¥¢Ú§ü / »Ý¥¢Ú¥¢ï Ü èÁ¢}¢¢Ú¢çࢲ¢ï ´ Ü ¢ï S±èÜ ¢Ú Ü ÚÝï Üï çH» Ðí¢ç{Üë ¼ ãñ J»Ý¥¢Ú§ü/»Ý¥¢Ú¥¢ï Üï 537 ¶¢¼¢ï ´ }¢ï ´ çÎÝ¢æÜ 31-3-2019

¼Ü ` 1018.74 H¢¶ Ü è Á¢}¢¢Ú¢çࢠ‰¢è J

31-03-2019 The share of low cost deposits in total deposits as at

31.03.2019 is 47.50%.

New SB Deposit Accounts Opened :

Total 236384 new SB deposit accounts were opened

during the year 2018-19. Of which, 47533 were 'Basic

Savings Bank DepositAccount'.

NRE / NRO Deposits :

Presently our Bank has 71 branches authorized

to accept NRE/NRO Deposits. Amount of NRE /

NRO Deposits outstanding as on 31-03-2019

was ` 1018.74 lakh in 537 accounts.

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(Amt. ` in Lakh)

31.03.2019

¼Ü 좆 ¢²¢Outstanding

as on31.03.2019

©Ð|¢¢ïx¢Availment(2018-19)

S±èÜë ¼ S¢è}¢¢Limit

Sanctioned(2018-19)

31.03.2018

¼Ü 좆 ¢²¢Outstanding

as on31.03.2018

ç±±Ú‡¢Particulars

ݢϢ¢Çü

¥ËÐ Ü ¢çHÜ »S¢Åè-»S¢»¥¢ï-¥¢ïS¢è

»S¢Åè-»S¢»¥¢ï-ÇèÅèÐè

Üé H »S¢Åè (Ü )

}¢Š²Ü ¢çHÜ (²¢ïÁ¢Ý¢Ü è²) (¶)Üé H (Ü +¶)»Ý»S¢Ü ï»È ÇèS¢è»Ý»Ó¢»È ÇèS¢èÏ¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢

¥ËÐÜ ¢çHÜ

¥‹² (¥¢ï±Ú Çî¢zÅ) (BOB)

Üé HÜé H Ú¢çà¢

2770.00

1230.00

4000.00

21483.56

25483.56

0.00

2.87

25486.43

2770.00

1230.00

4000.00

5848.20

9848.20

990.00

0.00

10838.20

2770.00

1230.00

4000.00

5848.20

9848.20

990.00

0.00

10838.20

2883.70

1140.10

4023.80

22017.46

26041.26

0.00

3.83

26045.09

NABARD

Short Term ST-SAO-OC

ST-SAO-DTP

Total ST (A)

Medium Term (Schematic) (B)

Total (A+B)

NSKFDC

NHFDC

Bank of Baroda

Short Term

Other (Overdraft) (BOB)

Total

Grand Total

(Ú¢çࢠ` H¢¶ }¢ï´)

5. ÐéÝ<±œ¢:

i. ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ݢϢ¢Çü S¢ï ` 9848.20 H¢¶ÐéÝ<±œ¢ Ðí¢# çÜ ²¢ ãñ ¥¢ñÚ Îï² çÜ à¼¢ï´ ¥¢ñÚ ÐéÝ<±œ¢ ÐÚ Ï²¢Á¢ Ü ¢|¢éx¢¼¢Ý çÜ ²¢ ãñ J Ï¢ñ´Ü Ýï Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü S¢ï Ü ¢ï§ü ÐéÝ<±œ¢ Ðí¢# Ýãè´çÜ ²¢ ãñ J

ii. Ï¢ñ´Ü Ýï Ú¢cÅîè² S¢È ¢§ü Ü }¢üÓ¢¢Úè 籜¢ ¼‰¢¢ ç±Ü ¢S¢ S¢æx¢ÆÝ S¢ï S¢¢‰¢27-1-2017 Ü ¢ï S¢}¢Û¢¢ñ¼¢ çÜ ²¢ ¼‰¢¢ Ú¢cÅîè² S¢È ¢§ü Ü }¢üÓ¢¢Úè 籜¢¼‰¢¢ ç±Ü ¢S¢ S¢æx¢ÆÝ S¢ï 2018-19 Üï ΢ñÚ¢Ý ` 990 H¢¶ Ü ¢ÐéÝ<±œ¢ Ðí¢# çÜ ²¢ ¥¢ñÚ ` 990 H¢¶ }¢êH{Ý »±æ ÐéÝ<±œ¢ ÐÚ Îï²Ï²¢Á¢ ` 10.68 H¢¶ Ü ¢ |¢éx¢¼¢Ý çÜ ²¢ J

iii. Ï¢ñ´Ü Ýï 2018-19 }¢ï´ Ýïà¢ÝH ãï´ÇèÜï Р籜¢ ç±Ü ¢S¢ çÝx¢}¢(NHFDC) S¢ï Ü ¢ï§ü ÐéÝ<±œ¢ Ðí¢# Ýãè´ çÜ ²¢ ¥¢ñÚ }¢êH{Ý ` 0.96

H¢¶ ¥¢ñÚ ÐéÝ<±œ¢ ÐÚ Ï¢Ü ¢²¢ ϲ¢Á¢ ` 0.10 H¢¶ Ü ¢ ÐéÝ|¢éüx¢¼¢ÝçÜ ²¢ J

iv. ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ý¢Ï¢¢Çü S¢ï çH» x¢» ©{¢Ú ÐÚ Ï²¢Á¢ Ü èÜé H H¢x¢¼ ` 1603.25 H¢¶ ‰¢è J ±¯ü 2018-19 Üï ΢ñÚ¢ÝݢϢ¢Çü S¢ï ©{¢Ú Ü è H¢x¢¼ 6.24% Úãè Á¢¢ï x¢¼ ±¯ü Üï 6.11% S¢ïÁ²¢Î¢ Úãè J

5. Refinance:

i. During the year 2018-19, Bank availed refinanceof ` 9848.20 lac from National Bank forAgriculture andRural Development (NABARD) and repaid the dueinstallments and interest on refinance. Bank has notavailed any refinance from Sponsor Bank.

ii. Bank has made Memorandum of Agreement withNat ional Safai Karmachar is Finance andDevelopment Corporation (NSKFDC) on 27.01.2017and availed refinance of ` 990.00 lac from NationalSafai Karmacharis Finance and DevelopmentCorporation (NSKFDC) during 2018-19 and repaidprincipal of ` 990.00 lac and interest due on refinance`10.68 lac.

iii. Bank has not availed refinance of from NationalHandicapped Finance Development Corporation(NHFDC) during 2018-19 and repaid principal amountof ` 0.96 lac and due interest on refinance ` 0.10 lac

iv. The total cost incurred towards interest on borrowingsfrom NABARD was ` 1603.25 lac during the year2018-19. The cost of Borrowings from NABARD for theyear 2018-19 worked out to 6.24 % which has gone upfrom 6.11 % last year.

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6. Cash & Bank Balance with Banks:

The position of cash balance and balances

maintained with Sponsor Bank as well as with other

banks are given below:

(a) Cash Balance:

6.

Ðí¢²¢ïÁ¢ Ï¢ñ´Ü ¥¢ñÚ ¥‹² Ï¢ñ´Ü ¢ï´ Üï ТS¢ ÝÜ Î à¢ï¯ Ü è çS‰¢ç¼çÝ}Ý¢ÝéS¢¢Ú Úãè :

Ü.

Ï¢ñ´Ü Üï S¢¢‰¢ ÝÜ Î »±æ Ï¢ñ´Ü à¢ï¯ :

Ü

ÝÜ Î à¢ï¯ :(Amt. ` in lakh)

ç±±Ú‡¢ Particulars

Cash on Hand

Average Cash

Cash Deposit Ratio

1.

2.

3.

ÝÜ Î à¢ï¯¥¢ñS¢¼ ÝÜ ÎÝÜ Î Á¢}¢¢ ¥ÝéТ¼

1058.69

1656.33

00.27

1099.41

1650.90

00.31

2017-18 2018-19

(Ú¢çࢠ` H¢¶ }¢ï´)

(b) Bank Balance :¶ Ï¢ñ´Ü à¢ï¯ :(Amt. ` in lakh)

2018-192017-182018-192017-182018-192017-18

ç±±Ú‡¢Particulars

à¢ï¯ Balance¥¢ñS¢¼ à¢ï¯

Avg. Balance

¥¢²Income

5406.25

586.77

80109.00

0.00

140.79

76.67

107900.00

199.00

6470.70

399.46

87591.77

26.77

3798.74

196.20

111872.95

974.21

100.02

0.00

6175.01

1.89

72.02

0.00

8012.76

98.37

Ü -1 Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Üï S¢¢‰¢ Ó¢¢Hê ¶¢¼¢ (Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü )A.1 Current A/c. with BOB (Sponsor Bank)

Ü -2 ¥‹² Ï¢ñ´Ü ¢ï Üï S¢¢‰¢ Ó¢¢Hê ¶¢¼¢A.2 Current A/c. with Other Banks

¶-1 Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Üï S¢¢‰¢ »È Ç襢Ú/»S¢Çè¥¢Ú (Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü )B.1 FDR/SDR with BOB (Sponsor Bank)

¶-2 ¥‹² Ï¢ñ´Ü ¢ï Üï S¢¢‰¢ »È Ç襢Ú/»S¢Ç襢ÚB.2 FDR/SDR with Other Banks

(Ú¢çࢠ` H¢¶ }¢ï´)

7.

çÎÝ¢æÜ Ü ¢ï |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üï S¢¢‰¢ ¥ÝéÚÿ¢‡¢è²S¢è¥¢Ú¥¢Ú Ü è ÎÚ 4.00% ‰¢è J

Ï¢ñ´Ü Ýï ÝÜ Îè ¥¢Úÿ¢‡¢ ¥ÝéТ¼ Üï Ú¶Ú¶¢± ãï¼é |¢¢Ú¼è² ÚèÁ¢±ü Ï¢ñ´ÜÜï ТS¢ ` 15460.29 H¢¶ Ü è ¥¢ñS¢¼ Ú¢çࢠڶè ãñ »±æ |¢¢Ú¼è²çÚÁ¢G±ü Ï¢ñ´Ü Üï çÎࢢçÝÎïüà¢¢ï´ Ü ¢ ТHÝ çÜ ²¢ ãñ J

8. S¢¢æç±ç{Ü ¼ÚH¼¢ »±æ x¢ñÚ S¢¢æç±ç{Ü ¼ÚH¼¢çݱïà¢:

籜¢è² ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï Ü |¢è |¢è S¢¢æç±ç{¼ ¼ÚH¼¢¥ÝéТ¼ S¢è}¢¢ Ü ¢ ©ÌæÍ¢Ý Ýãè´ çÜ ²¢ ãñ J 31-3-2019 ¼ÜS¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ »±æ x¢ñÚ S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ Üï ¥æ¼x¢ü¼ à¢ï¯ çݱïࢠ(Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü »±æ ¥‹² Ï¢ñ´Ü ¢ï´ Üï S¢¢‰¢»È Çè¥¢Ú Üï ¥H¢±¢) çÝ}Ý¢ÝéS¢¢Ú ãñ :

ÝÜ Îè Ðí¢Úçÿ¢¼ ¥ÝéТ¼ :

31-03-2019

¥ÝéТ¼ ¥ÝéТ¼

7. Cash Reserve Ratio:

Rate of CRR to be maintained with RBI is 4.00% ason 31-03-2019.

Bank has maintained an average balance of`15460.29 lakh with Reserve Bank of India formaintenance of Cash Reserve Ratio and compliedwith the RBI guidelines.

8. SLR & NON-SLR Investment:

Bank has not breached threshold SLR on anyoccasion in the Financial Year 2018-19. The detailsof investment outstanding under SLR and Non-SLR(other than FDR with Sponsor Bank and otherbanks) as on 31.03.2019 are given below:

Page 20: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

14

çkhkuzk økwshkík økúk{eý çkUf

(Amt. ` in lakh)

2018-19

¥¢±Ü (%)% of Yield

좆 ¢²¢ çݱïà¢Investment Outstanding

2017-1831.03.201931.03.2018

ç±±Ú‡¢Particulars

x¢ñÚ S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ çݱïà¢

S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ çݱïà¢Üé H

7.07

7.60

7.59

7.81

7.64

7.64

3538.02

133963.58

137501.60

2039.33

102339.31

104378.63

Non-SLR Investments

SLR Investments

Total

(Ú¢çࢠ` H¢¶ }¢ï´)

6.01%

9.45% ¼Ü ãñJ ±¯ü Ü ï ΢ ñÚ¢Ý çݱïࢠÐÚ Ðí¢# ϲ¢Á¢ Ü èÚ¢çࢠ` 9170.83 H¢¶ ãñ J (»È Çè¥¢Ú Üï ¥H¢±¢)

§S¢ ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ¥¢±à²Ü }¢¢ÐÎæÇ¢ï´ Ü ¢ï Š²¢Ý }¢ï´ Ú¶¼ï ãé»,©ÐHÏ{ ¥±S¢Ú¢ï´ Ü è S¢è}¢¢ }¢ï´ »±æ çݱïࢠÐÚ Á²¢Î¢ S¢ï Á²¢Î¢ ¥¢²ã¢ï §S¢Ü ¢ Ðꇢü Š²¢Ý Ú¶¢ ¼‰¢¢ ` 48350 H¢¶ ±¯ü 2018-19 Üï΢ñÚ¢Ý »S¢»H¥¢Ú }¢ï´ çݱïࢠçÜ » J

çݱïࢠ©¼¢Ú Ó¢ÉG¢± Ðí¢Úçÿ¢¼ çÝç{ :

|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü , ¥¢ÚÐèS¢èÇè, Üï ‹Îíè² Ü ¢²¢üH², }¢éæÏ¢§ü ÜïÐ ç Ú Ð ~ ¢ S ¢ æ . ¥ ¢ Ú Ï ¢ è ¥ ¢ § ü / 2 0 1 3 - 1 4 / 4 3 4

¥¢ÚÐèS¢èÇè:S¢è¥¢ï:¥¢Ú¥¢ÚÏ¢è:Ï¢èS¢è S¢æ. 74/03.05.33/2013-

14 çÎÝ¢æÜ 7 Á¢Ý±Úè 2014 m¢Ú¢ Ðí¢# }¢¢ñÁ¢ê΢ çÎࢢçÝÎïüà¢¢ï´ Üï¥ÝéS¢¢Ú ²ã S¢êçÓ¢¼ çÜ ²¢ x¢²¢ ãñ çÜ ÿ¢ï~¢è² x¢í¢}¢è‡¢ Ï¢ñ´Ü ¢ï´ Ü è»S¢»H¥¢Ú Ðíç¼|¢êç¼²¢ï´ Üï S¢}¢x¢í ТïÅüÈ ¢ïçH²¢ï S¢æÏ¢æ{è ‘}¢¢Üü Åê}¢¢Üïü Å’ (»}¢Åè»}¢) Ü è ÀêÅ ±¢çÐS¢ Hï Hè x¢§ü ãñ ¼‰¢¢ ÿ¢ï~¢è² x¢í¢}¢è‡¢Ï¢ñ´Ü ¢ï´ Ü ¢ï çÎÝ¢æÜ 1 ¥ÐíñH, 2014 Ü ¢ï »S¢»H¥¢Ú Ðíç¼|¢êç¼²¢ï´ ÜïS¢}¢x¢í ТïÅüÈ ¢ïçH²¢ï´ Üï S¢æÏ¢æ{ }¢ï´ ‘}¢¢Üü Åê }¢¢Üïü Å’ (»}¢Åè»}¢)}¢¢ÝÎæÇ¢ï´ Ü ¢ï H¢x¢ê Ü ÚÝ¢ ã¢ïx¢¢ J

»S¢»H¥¢Ú »±æ Ý¢òÝ-»S¢»H¥¢Ú çݱïà¢¢ï´ Üï }¢ê˲ãî¢S¢ Ü ¢ï Š²¢Ý}¢ï´Ú¶¼ï ãé» Ï¢ñ´Ü Ýï 31-3-2007 Ü ¢ï ` 189 H¢¶, 31-3-2013 Ü ¢ï132 H¢¶ ¼‰¢¢ 31-3-2014 Ü ¢ï ` 180 H¢¶ Ü è çݱïࢠ©¼¢Ú-Ó¢ÉG¢± Ðí¢Úçÿ¢¼ çÝç{ Ϣݢ§ü ãñ J ¥¼: çÎÝ¢æÜ 31-3-2019 Ü ¢ï Üé Hçݱïࢠ©¼¢Ú Ó¢ÉG¢± Ðí¢Úçÿ¢¼ çÝç{ ` 501.00 H¢¶ Úãè J

S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ ÐÚ Ï²¢Á¢ ÎÚ Ü è S¢è}¢¢ S¢ï The interest rate on SLR funds ranges between

6.01% to 9.45%.Total interests received on

investment during the year is ` 9170.83 Lakh (other

than FDRs).

Bank has made all-out efforts to make high yielding

investments within the available opportunities by

observing obligatory guidelines and has invested

` 48350.00 Lakh in SLR during the year 2018-19.

Investment Fluctuation Reserve:

As per the guidelines received from Reserve bank of

India, RPCD, Central Office, Mumbai vide circular no.

RBI/2013-14 /434-RPCD:CO: RRB:BC no.

74/03.05.33/ 2013-14 dated January 07, 2014, it has

been advised that the exemption from “Mark-to

Market” (MTM) in respect of entire portfolio of SLR

Securities of RRBs has been withdrawn and RRBs

have to introduce Mark-to-Market (MTM) norms in

respect of entire portfolio of SLR securities

w.e.f. April 01, 2014.

Considering the depreciation on SLR and Non-SLR

investments, bank has created “Investment

Fluctuation Reserve” of ` 189.00 Lakh on 31-03-

2007; ` 132.00 Lakh on 31-03-2013 and ` 180.00

Lakh on 31-03-2014. As such, total Investment

Fluctuation Reserve as on 31/03/2019 is ` 501.00

lakh.

Page 21: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

15

çkhkuzk økwshkík økúk{eý çkUf

As on 31-03-2019, total appreciation in SLR

Securities under AFS category as per valuation done

by professionals is ` 1705.73 Lakh as detailed below.

14200.00

40045.40

54245.40

23000.00

57502.70

3000.00

500

84002.70

138248.10

37200.00

97548.10

134748.10

3000.00

500

3500.00

138248.10

13698.43

40317.29

54015.72

22396.99

57550.87

3038.02

500

83485.88

137501.60

36095.42

97868.16

133963.58

3038.02

500

3538.02

137501.60

14164.39

40920.71

55085.10

23209.23

58444.36

3095.90

500

85249.49

140334.59

37373.62

99365.07

136738.69

3095.90

500

3595.90

140334.59

465.96

603.42

1069.38

812.24

893.49

57.88

0

1763.61

2832.99

1278.20

1496.91

2775.11

57.88

0

57.88

2832.99

ÐçÚÐÒ¼¢ ¼Ü Ú¶ï ãé» (»Ó¢Åè»}¢)Held to Maturity (HTM)

Üï ‹Îí S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡Central Government Securities

Ú¢Á² S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡State Government Securities

Üé HTotal

ç±R ² ãï¼é ©ÐHÏ{ (»»È »S¢)Available for Sale (AFS)

Üï ‹Îí S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡Central Government Securities

Ú¢Á² S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡State Government Securities

©Î² Ï¢¢ò‹ÇUDAY Bonds

ݢϢ¢Çü - S¢¢±ç{ }¢éÎí¢ ©{¢ÚNABARD - Term Money Borrowing

Üé H Total

Üé H çݱïà¢Total Investment

»S¢»H¥¢Ú çݱïà¢SLR Investment

Üï ‹Îí S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡Central Government Securities

Ú¢Á² S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡State Government Securities

Üé H Total

x¢ñÚ »S¢»H¥¢Ú çݱïà¢NON SLR Investment

©Î² Ï¢¢ò‹ÇUDAY Bonds

ݢϢ¢Çü - S¢¢±ç{ }¢éÎí¢ ©{¢ÚNABARD - Term Money Borrowing

Üé HTotal

Üé H çݱïà¢Total Investment

Ÿ¢ï‡¢èCategory

¥æçÜ ¼ }¢ê˲Face Value

Ï¢éÜ ±ï˲éBook Value

Ï¢¢Á¢¢Ú ±ï˲é(»È Ϣ襢§ü»H)

Market Value(FBiL)

¥ç|¢±ëçh(¥±}¢ê˲Ý)

Appreciation(Depreciation)

Ðïà¢ï±Ú¢ï´ m¢Ú¢ çÜ » x¢» }¢ê˲¢æÜ Ý Üï ¥ÝéS¢¢Ú 31-3-2019 Ü ¢ï»»È »S¢ Ÿ¢ï‡¢è Üï ¼ã¼ »S¢»H¥¢Ú çݱïà¢¢ï´ Ü è Üé H }¢ê˲±ëçh `

1705.73 H¢¶ ãñ, çÁ¢S¢Ü ¢ ç±±Ú‡¢ ÝèÓ¢ï ãñ :

Page 22: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

16

çkhkuzk økwshkík økúk{eý çkUf

9.

The performance of the bank in the area of advances

is given below :

Loan &Advances Outstanding:9. «‡¢ »±æ ¥çx¢í}¢¢ï´ Ü ¢ 좆 ¢²¢ :

¥çx¢í}¢ ÿ¢ï~¢ }¢ï´ Ï¢ñ´Ü Ü ¢ Ü ¢²ü çÝcТÎÝ ÝèÓ¢ï çβ¢ x¢²¢ ãñ :

(Amt. ` in Lakh)(Ú¢çࢠ` H¢¶ }¢ï´)

31/03/2019

170707.29

140839.06

82.50%

29868.23

80643.23

69569.00

47.71%

40342.32

4876.14

44964.79

10461.29

1413.71

5049.48

9.87%

192475.12

158176.83

82.18%

34298.29

91991.88

78325.37

49.78%

43808.35

4874.69

67440.80

14811.59

2762.73

8522.88

9.59%

Üé H S¢Ü H ¥çx¢í}¢ 좆 ¢²¢

§Ý}¢ï´ S¢ï

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢

Üé H ¥çx¢í}¢¢ï´ }¢ï´ S¢ï Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ %

x¢ñÚ Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢

Üë ç¯ ¥çx¢í}¢

Ü }¢Á¢¢ïÚ ±x¢¢ïZ Ü ¢ï ¥çx¢í}¢

«‡¢ Á¢}¢¢ ¥ÝéТ¼

¥çx¢í}¢ (Ü ¢ï)

Ü . ¥ÝéS¢êçÓ¢¼ Á¢¢ç¼ / ¥Ýé. Á¢.Á¢¢. Ü ¢ï

¶. ¥ËÐS¢æw²Ü ¢ï´ Ü ¢ï

x¢. H.çÜ ./}¢.çÜ ./¶ï.}¢.

Í¢. }¢çãH¢ H¢|¢¢‰¢èü²¢ï´ Ü ¢ï

Üï ¥æ¼x¢ü¼ ¥çx¢í}¢

Ü . »S¢Á¢è»S¢±¢§ü / »Ý¥¢Ú»H»}¢

¶. S¢ÚÜ ¢Ú Ðí¢²¢ïçÁ¢¼ ¥‹² Ü ¢²üR }¢

¥çx¢í}¢¢ï´ ÐÚ ¥¢² (Ðꇢü ±¯ü)

TOTAL Gross Advances outstanding

of which

Priority Sector

% of P. S. to total advances

Non Priority Sector

Agriculture Advances

Advances to Weaker Section

Credit Deposit Ratio

Advances to :

a. SC/ST

b. Minorities

c. SF/MF/AL

d. Women beneficiaries

Advances under :

a. SGSY / NRLM

b. Other Govt. Sp. Prog.

Yield on Advances : (Full Year)

1

2

3

4

5

6

31/03/2018

좆 ¢²¢ Ú¢çࢠOutstanding Balanceç±±Ú‡¢Particulars

R }¢Sr.No.

Page 23: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

17

çkhkuzk økwshkík økúk{eý çkUf

10. Loan Disbursed : (Amt. ` in Lakh)10. S¢æç±¼çÚ¼ «‡¢ : (Ú¢çࢠ`.H¢¶ }¢ï´)

©ÐHçÏ{Achievements

2018-19

ç±±Ú‡¢Particulars

Total Loans Issued

Priority Sector

% of PS to Total Advances

Non Priority Sector

Agriculture

SGSY / NRLM

SC / ST

Minorities

Women Beneficiaries

Weaker Section

SF / MF / AL

Other Govt. Sponsored Programmes.

92251.53

79781.33

86.48%

12470.20

56492.73

1034.80

9626.41

1746.83

9115.40

20880.92

16757.84

4933.78

Üé H Á¢¢Úè «‡¢

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢

Üé H ¥çx¢í}¢¢ï´ }¢ï´ % Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢

x¢ñÚ Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢

Üë ç¯

»S¢Á¢è»S¢±¢§ / »Ý¥¢Ú»H»}¢

¥ÝéS¢êçÓ¢¼ Á¢¢ç¼/¥Ýé.Á¢.Á¢¢.

¥ËÐS¢æw²Ü

}¢çãH¢ H¢|¢¢‰¢èü

Ü }¢Á¢¢ïÚ ±x¢ü

H.çÜ ./}¢.çÜ ./¶ï.}¢.

S¢ÚÜ ¢Ú m¢Ú¢ Ðí¢²¢ïçÁ¢¼ ¥‹² Ü ¢²üR }¢

11. ç±ç±{ Rï çÇÅ Ü ¢ÇìS¢ü / Á¢ï»HÁ¢è / »S¢»Ó¢Á¢è

S±Ú¢ïÁ¢x¢¢Ú Rï çÇÅ Ü ¢Çü (»S¢S¢èS¢è)/¥¢<ÅÁ¢Ý Rï çÇÅ Ü ¢Çü

Ï¢ñ´Ü Ýï 31-3-2019 Üï ¥æ¼ ¼Ü ` 3015.26 H¢¶ Ü è Ú¢çࢠÜï çH»-11471- S±Ú¢ïÁ¢x¢¢Ú Rï çÇÅ Ü ¢Çü/¥¢<ÅÁ¢Ý Rï çÇÅ Ü ¢Çü Á¢¢Úè çÜ »ãñ´ J ±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ` 19.69 H¢¶ Ü è Ú¢çࢠÜï çH» 30 Ý»S±Ú¢ïÁ¢x¢¢Ú »S¢S¢èS¢è/»S¢èS¢è Á¢¢Úè çÜ » ãñ ´ J 31-3-2019 Ü ¢ï-1733- ¶¢¼¢ï´ }¢ï´ S±Ú¢ïÁ¢x¢¢Ú Rï çÇÅ Ü ¢Çü / ¥¢<ÅÁ¢GÝ Rï çÇÅ Ü ¢Çü Ü è좆 ¢²¢ Ú¢çࢠ` 539.16 H¢¶ ‰¢è J

çÜ S¢¢Ý Rï çÇÅ Ü ¢Çü :

Ï¢ñ´Ü Ýï 31-3-2019 Üï ¥æ¼ ¼Ü ç±ç|¢ó¢ çÜ S¢¢Ý¢ï´ Ü ¢ï -174602-

çÜ S¢¢Ý Rï çÇÅ Ü ¢Çü Á¢¢Úè çÜ » ãñ´J ±¯ü Üï ΢ñÚ¢Ý, Ï¢ñ´Ü Ýï 8892 Ý»çÜ S¢¢Ý Rï çÇÅ Ü ¢Çü Á¢¢Úè çÜ » ãñ J 31-3-2019 Ü ¢ï 75734 ¶¢¼¢ï }¢ïçÜ S¢¢Ý Rï çÇÅ Ü ¢Çü Ü è 좆 ¢²¢ Ú¢çࢠ` 75446.94 H¢¶ ‰¢è J Ï¢ñ´Ü S¢|¢èТ~¢ Üï S¢èS¢è ©{¢ÚÜ ¼¢ü¥¢ïæ Ü ¢ï çÜ S¢¢Ý Rï çÇÅ Ü ¢Çü Á¢¢Úè Ü ÚÝï Ü èÐíçR ²¢ }¢ï´ ãñ J

S¢¢}¢¢‹² Rï çÇÅ Ü ¢Çü :

±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ` 34.17 H¢¶ Ü è Ú¢çࢠÜï çH» -142- Ý» Á¢èS¢èS¢è S±èÜë ¼ çÜ » ãñ´ J 31-03-2019 Ü ¢ï -5999- ¶¢¼¢ï´ }¢ï´S¢¢}¢¢‹² Rï çÇÅ Ü ¢Çü Ü è 좆 ¢²¢ Ú¢çࢠ` 1099.50 H¢¶ ‰¢è J

11. Various Credit Card / JLGs / SHGs:

Swarojgar Credit Card (SCC)/Artisan Credit

Card:

Bank has issued -11471- Swarojgar Credit Cards /

Artisan Credit Card for amount of ` 3015.26 lakh as

at the end of 31.03.2019. During the year, Bank has

issued -30- fresh SCC/ ACC for amount of ` 19.69

lakh. Outstanding amount of SCC/ ACC as on

31.03.2019 was ` 539.16 lac in -1733- accounts.

Kisan Credit Card:

Bank has issued -174602- Kisan Credit Cards to

various farmers at the end of 31.3.2019. During the

year Bank has issued -8892- fresh Kisan Credit

Cards. Outstanding amount of KCC as on

31.03.2019 was ` 75446.94 lakh in -75734-

accounts. Bank is in process of issuing Kisan Credit

Cards to all KCC eligible Borrowers.

General Credit Card:

During the year, Bank has sanctioned -142- fresh

GCC for amount of ` 34.17 lakh. Outstanding

amount of GCC as on 31.03.2019 was ` 1099.50

lakh in -5999- accounts.

Page 24: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

18

çkhkuzk økwshkík økúk{eý çkUf

S¢æ²éQ Îï²¼¢ S¢}¢êã (Á¢ï»HÁ¢è) :±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ` 214.58 H¢¶ Ü è Ú¢çࢠÜï çH» -412- Ý»Á¢ï»HÁ¢è Ü ¢ï Rï çÇÅ ôHvÇ çÜ ²¢ ãñ J 31-03-2019 Ü è S¢}¢¢ç# ÐÚÏ¢ñ´Ü Ýï ` 1349.66 H¢¶ Ü è Ú¢çࢠÜï çH» 3371 Á¢ï»HÁ¢è Ü ¢ïRï çÇÅ ôHvÇ çÜ ²¢ ãñ J 31-3-2019 ¼Ü -1499- ¶¢¼¢ï´ }¢ï´ Á¢ï»HÁ¢èÜ è 좆 ¢²¢ Ú¢çࢠ` 566.48 H¢¶ ‰¢è JÐí{¢Ý}¢æ~¢è }¢éÎí¢ ²¢ïÁ¢Ý¢ (PMMY) :Ï¢ñ´Ü Ýï ç±çœ¢² ±¯ü 2018-19 }¢ï´ -5803- ¶¢¼¢ï´ }¢ï´ ` 7775.88 H¢¶Lвï Üï }¢éÎí¢ «‡¢ çÝ}Ý¢ÝéS¢¢Ú ç±¼çÚ¼ çÜ » ãñ´ J Ï¢ñ´Ü Ýï PMMY Üï¥æ¼x¢ü¼ -14521- ²¢ïx² PMJDY ¶¢¼¢{¢ÚÜ ¢ï´ Ü ¢ï ¥¢ï±ÚÇî¢zÅ Ü èS¢éç±{¢ |¢è ÐíÎ¢Ý Ü è ãñ J

çÜ S¢¢Ý vHÏ¢ :Ï¢ñ´Ü Ýï -174- çÜ S¢¢Ý vHÏ¢ x¢çƼ çÜ » ãñ J

3031.54

11030.73

4619.35

18681.62

9354

11995

912

22261

847.80

5507.62

1420.46

7775.88

2294

3258

251

5803

çà¢à¢é

çÜ à¢¢ïÚ

¼L‡¢Üé H }¢éÎí¢ «‡¢

Shishu

Kishor

Tarun

Total MUDRA Loans

Ÿ¢ï‡¢èCategory

¶¢¼¢ Account Ú¢çࢠAmount

çÎÝ¢æÜ 1-4-2018 S¢ï31-3-2019 ¼Ü Ó¢éÜ ±‡¢è

Disbursement from1-4-2018 to 31-3-2019

çÎÝ¢æÜ 31-3-2019 Ü ¢ï 좆 ¢²¢Outstanding on 31-3-2019

Ú¢çࢠAmount¶¢¼¢ Account

(Amt. ` in lakh)(Ú¢çࢠ` H¢¶ }¢ï´)

Farmers' Club:

Bank has formed -174- Farmers' Clubs.

Joint Liability Group (JLG):

During the year Bank has Credit Linked -412- JLGs

for amount of ` 214.58 lakh. Bank has Credit linked -

-3371- JLGs for amount of ` 1349.66 lakh till the endof 31.3.2019. Outstanding amount of JLG as on31.03.2019 was ` 566.48 lakh in -1499- accounts.

Pradhan Mantri Mudra Yojna (PMMY):

Bank has disbursed ` 7775.88 lac MUDRA loans in-5803- accounts under PMMY during F.Y. 2018-19as detail here under. Bank has also extendedOverdraft facility to -14521- eligible PMJDY accountholders under PMMY scheme.

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

19

çkhkuzk økwshkík økúk{eý çkUf

12. Income Recognition/Assets Classification(IRAC Norms)

(A) Assets Classification & Provisioning:

Bank has observed prudential norms as per theguidelines of Reserve Bank of India in respect ofIncome Recognition, Assets Classification andProvisioning. The details of assets classification andprovisioning thereof for last two years are as under.

12. ¥¢² çÝ{¢üÚ‡¢/¥¢çS¼²¢ï´ Ü ¢ ±x¢èüÜ Ú‡¢ (¥¢§ü¥¢Ú»S¢è }¢¢ÝÎæÇ)

Ü ) ¥¢çS¼ ±x¢èüÜ Ú‡¢ »±æ Ðí¢±{¢Ý

¥¢² çÝ{¢üÚ‡¢ ¥¢çS¼²¢ï´ Üï ±x¢èüÜ Ú‡¢ »±æ Ðí¢±{¢Ý ãï¼é Ï¢ñ´Ü Ýï çÚÁ¢±üÏ¢ñ´Ü Üï }¢¢x¢üÎà¢üÝ Üï ¥ÝéS¢¢Ú ç±±ïÜ ¢{èÝ }¢¢ÐÎæÇ¢ïæ Ü ¢ ТHÝ çÜ ²¢ ãñ JçÐÀHï 2 ±¯ü Üï ¥¢çS¼²¢ï´ Üï ±x¢èüÜ Ú‡¢ »±æ Ðí±{¢Ý Üï ¥¢æÜ ÇïçÝ}ݱ¼ ãñ´ J

(Amt. ` in '000)(Ú¢çࢠ` '000)

S¢Ü H »ÝÐè» }¢ï´ ࢢç}¢H ãñ : Gross NPA Comprising of :

31/03/2019 31/03/2018 31/03/201931/03/201831/03/201931/03/2018

¥¢çS¼²¢ï´ Ü ¢ ±x¢èüÜ Ú‡¢Classification of Assets

«‡¢ ¥¢ñÚ ¥çx¢í}¢}¢¢ÝÜ

Üé H »ÝÐè»

Üé H

©Ð }¢¢ÝÜ

S¢æçÎx{

ã¢çÝ

Loan & Advances

Standard

Gross NPA

TOTAL

Sub Standard

Doubtful

Loss

182077.73

10397.39

192475.12

4367.83

5877.50

152.06

162623.19

8084.21

170707.40

2848.62

5104.27

131.32

595.23

3390.76

3985.99

478.67

2760.03

152.06

548.59

2977.16

3525.75

300.23

2545.61

131.32

610.11

5282.44

5892.55

478.67

4651.71

152.06

550.11

5132.44

5682.55

300.23

4700.89

131.32

좆 ¢²¢ Ú¢çà¢Outstanding Amount

¥Ðïçÿ¢¼ Ðí¢±{¢ÝRequired Provisions

Üé H Ðí¢±{¢ÝTotal Provisions made

The amount of provision in NPA accounts is arrivedon NetAdjusting Outstanding balances.

»ÝÐè» ¶¢¼¢ï´ }¢ï´ Ðí¢±{¢Ý Ü è Ú¢çࢠçݱH S¢}¢¢²¢ïÁ¢Ý 좆 ¢²¢ à¢ï¯ ÐÚHè x¢§ü ãñ´ J

% of Gross NPAS¢Ü H »ÝÐè» Ü ¢ %

çݱH »ÝÐè» Ü ¢ %

4.74%

1.73% 2.66%

5.40%

% of Net NPA

}¢¢Ó¢ü 2018March 2018

}¢¢Ó¢ü 2019March 2019

Page 26: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

20

çkhkuzk økwshkík økúk{eý çkUf

2018-192017-18ç±±Ú‡¢ Details

±¯ü Üï ¥¢Úæ|¢ }¢ï´ x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢æNPA at the beginning of the year

±¯ü Üï ΢ñÚ¢Ý x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢ï´ Ü è ±S¢êHèRecovery against NPA during the year

ϲ¢Á¢ Ü ¢ Ðíy²¢±¼üÝReversal of Interest

©ó¢²Ý / ¥¢<‰¢Ü S¢ã¢²¼¢ ¥¢Úçÿ¢¼ çÝç{ / ADWDRS '08/MOC ©ó¢²ÝUpgradation/Credit of Subsidy Reserve Fund/ADWDRS '08/MOC Upgradation

Ï¢^ï ¶¢¼ï Write off

±¯ü Üï ΢ñÚ¢Ý x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢ï´ }¢ï´ ÐçÚ±{üÝAddition to NPA during the year

±¯ü Üï ¥æ¼ }¢ï´ x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢æNPA at the end of the year

8084.21

1495.24

28.10

1172.49

401.92

5410.93

10397.39

7996.23

1752.01

15.01

2051.86

414.60

4321.46

8084.21

R }¢ Sr. No.

1

2

3

4

5

6

7

(Amt. ` in Lakh)(Ú¢çࢠ` H¢¶ }¢ï´)

(C) Asset Quality Management:

The details of NPA movement for last two years aregiven below :

(¶) ¥¢çS¼ x¢é‡¢±œ¢¢ ÐíÏ¢æ{Ý :çÐÀHï 2 ±¯¢ïZ Üï çH» x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢ï´ Üï S¢æÓ¢HÝ Ü ¢ç±±Ú‡¢ ÝèÓ¢ï çβ¢ x¢²¢ ãñæ J

Asset Classification is calculated through ASCROMSystem. Bank has taken up the matter with SponsorBank for calculation of Asset Classification throughCBS System and Bank should try to implement thesame by 30-09-2019.

(D) Zero Level NPA Branches:

At the end of the year as on 31/03/2019, - 47-branches (19% branches) have reported ZERONPALevel.

13. Recovery of Loans:

The recovery position of the bank as on 30.06.2018was 81.29%. The details of Demand, Collection andBalance (overdue) of farm sector & non-farm sectorare given below:

¥¢çS¼²¢ï´ Ü ¢ ±x¢èüÜ Ú‡¢ ASCROM çS¢SÅ}¢ m¢Ú¢ çÜ ²¢ Á¢¢¼¢ ãñ JÏ¢ñ´Ü Ýï ¥¢çS¼²¢ï´ Üï ±x¢èüÜ Ú‡¢ Ü è x¢‡¢Ý¢ S¢èÏ¢è»S¢ çS¢SÅ}¢ Üï}¢¢Š²}¢ S¢ï Ü ÚÝï ãï¼é Ðí²¢ïÁ¢Ü Ï¢ñ´Ü Üï S¢¢‰¢ }¢égï Ü ¢ï ©Æ¢²¢ ãñ ¥¢ñÚ Ï¢ñ´ÜÜ ¢ï §S¢ï 30-09-2019 ¼Ü H¢x¢ê Ü ÚÝï ãï¼é Ðí²¢S¢ Ü ÚÝ¢ Ó¢¢çã» J

(x¢) à¢ê‹² x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢ï´ ±¢Hè ࢢ¶¢»æ :±¯ü Üï ¥æ¼ }¢ï´ 31-3-2019 Ü ¢ï - 47- ࢢ¶¢¥¢ïæ (19% ࢢ¶¢¥¢ïæ)Ýï à¢ê‹² x¢ñÚ çÝcТÎÜ ¥¢çS¼ S¼Ú S¢êçÓ¢¼ çÜ ²¢ ãñ J

13. «‡¢ Ü è ±S¢êHè :30-6-2018 Ü ¢ï Ï¢ñ´Ü Ü è ±S¢êHè çS‰¢ç¼ 81.29% ‰¢è J Üë ç¯ ÿ¢ï~¢»±æ x¢ñÚ Üë ç¯ ÿ¢ï~¢ Üï }¢¢æx¢, ±S¢êHè »±æ à¢ï¯ (¥ç¼Îï²) Ü ¢ ç±±Ú‡¢çÝ}Ý¢ÝéS¢¢Ú ãñ :

(Amt. ` in lakh)(Ú¢çࢠ` H¢¶ }¢ï´)

à¢ï¯Balance

±S¢êHèCollection

}¢¢æx¢Demand

Ÿ¢ï‡¢èCategory

Farm Sector

Non-Farm Sector

Total

% of Recovery to Demand

11523.79

23806.09

35329.88

6956.69

21764.69

28721.38

81.29%

4567.10

2041.40

6608.50

Á¢êÝ 2018 June 2018

Üë ç¯ ÿ¢ï~¢x¢ñÚ Üë ç¯ ÿ¢ï~¢Üé H}¢¢æx¢ ÐÚ ±S¢êHè Ü ¢ Ðíç¼à¢¼

1

2

3

4

R }¢Sr.No.

Ï¢^ï ¶¢¼ï }¢ï´ ±S¢êHè :Ï¢ñ´Ü Ýï ±¯ü Üï ΢ñÚ¢Ý Ï¢^ï ¶¢¼¢ï´ }¢ï´ ` 133.34 H¢¶ Ü è ±S¢êHè Ü è ãñJ

Recovery in Written off Accounts :

Bank has recovered ` 133.34 lakh in written off LoanAccounts during the year.

Page 27: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

21

çkhkuzk økwshkík økúk{eý çkUf

14. H¢ïÜ ¥Î¢H¼ :±¯ü Üï ΢ñÚ¢Ý, Ï¢ñ ´Ü Ýï x¢ñÚ çÝcТçμ ¥¢çS¼²¢ï ´ Ü è ±S¢êHè ÜïçH» -137- H¢ïÜ ¥Î¢H¼¢ï ´ Ü ¢ ¥¢²¢ïÁ¢Ý çÜ ²¢, -131-

ࢢ¶¢¥¢ï æ m¢Ú¢ -2235- x¢ñÚ çÝcТçμ ¶¢¼¢ï´ }¢ï´ L 141.74 H¢¶Ü è S‰¢H ÝÜ Î ±S¢êHè Ðí¢ç# Üï S¢¢‰¢ ` 1019.15 H¢¶ Ü è x¢ñÚçÝcТçμ «‡¢ Ú¢çࢠÜï S¢¢}¢Ýï ` 923.29 H¢¶ Ü ¢ S¢}¢¢{¢Ý çÜ ²¢x¢²¢ J¥¢ïÅè»S¢ (H¢ïÜ ¥Î¢H¼ Üï çS¢±¢² ) :Ï¢ñ´Ü Ýï ç±à¢ï¯ ±S¢êHè ¥ç|¢²¢Ý 2018 (SRD-2018, ¥¢ïÅè»S¢²¢ïÁ¢Ý¢) Üï ¼ã¼ -1106- ¶¢¼¢ï´ }¢ï´ ` 488.35 H¢¶ 좆 ¢²¢ Ú¢çࢠÜïS¢¢}¢Ýï ` 368.82 H¢¶ Ü è Ú¢çà¢ Ü ¢ S¢}¢Û¢¢ñ¼¢ çÜ ²¢ J

15. ò¢ÐÜ È S¢H Ï¢è}¢¢ / Ðè»}¢»È Ϣ豢§ü :±¯ü Üï ΢ñÚ¢Ý Ï¢ï´Ü Ýï PMFBY Üï ¼ã¼ -15231- ¶¢¼¢ïæ Ü è È S¢HÏ¢è}¢¢ Ðíèç}¢²}¢ Üï çH» `. 239.71 H¢¶ Ü ¢ |¢éx¢¼¢Ý çÜ ²¢ ãñ J

SÅñ´Ç-¥Ð §æçDz¢ ²¢ïÁ¢Ý¢Ï¢ñ´Ü Ýï SÅñ´Ç-¥Ð §æçDz¢ ²¢ïÁ¢Ý¢ Üï ¼ã¼ ±¯ü 2018-19 Üï ΢ñÚ¢Ý -178-

¶¢¼¢ï ´ }¢ï ´ ` 4282.91 H¢¶ Ü è Ú¢çࢠ¥¢ñÚ Ðí¢Úæ|¢ S¢ï -194- ¶¢¼¢ï ´ }¢ï ´` 4676.27 H¢¶ Ü è Ú¢çࢠS±èÜë ¼ Ü è J16. 籜¢è² ¥ÝéТ¼ :

}¢ãy±Ðꇢü 籜¢è² ¥¢æÜ Çï / ¥ÝéТ¼ ÝèÓ¢ï çλ x¢» ãñ´ :

14.0 LokAdalat :

During the year, Bank has arranged -137- LokAdalats for NPA recovery. -131- Branches havecompromised in -2235- NPA accounts for `. 923.29lakh against the loan outstanding `. 1019.15 lakhwith spot cash recovery of `. 141.74 lakh.

OTS: (Other than LOKADALATS)

Bank has compromised -1106- Accounts for`. 368.82 lac against outstanding of `. 488.35 lacunder Special Recovery Drive-2018 (SRD-2018,OTS scheme).

15. Comprehensive Crop Insurance/PMFBY:

During the year, Bank has paid ` 239.71 lakhtowards crop insurance premium for -15231-accounts under PMFBY

Stand-up India Scheme

Bank has sanctioned ` 4282.91 lakh in -178- Accountsduring 2018-19 and since inception sanctioned ` 4676.27lakh in -194- Accounts under Stand Up India Scheme.

16. Financial Ratios:

Important financial data/ratios are given below:

(Amt. ` in lakh)(Ú¢çࢠ` H¢¶ }¢ï´)

%% Ú¢çࢠAmountÚ¢çࢠAmount

2018-192017-18ç±±Ú‡¢Particulars

07.77

09.59

07.20

04.89

05.20

05.53

02.88

03.28

00.52

00.12

00.08

00.04

00.00

00.04

07.83

09.87

07.26

05.17

05.44

06.21

02.66

02.36

00.48

00.78

00.55

00.23

00.12

00.11

32600.11

17108.76

15491.35

20531.89

18852.64

1679.25

12068.22

13771.85

2180.34

476.71

328.12

148.59

0.00

148.59

30342.43

15226.27

15116.16

20026.58

18272.70

1753.88

10315.85

9139.30

1862.58

3039.13

2145.85

893.28

448.83

893.29

1

2

3

4

5

6

7

8

9

10

11

12

13

14

Financial Return

Return on Advances

Return on Investments

Financial Cost

Cost of Deposits

Cost of Borrowings

Financial Margins (1-4)

Operating Expenses

Miscellaneous Income

Operating Profit (7+9) - 8

Risk Cost

Net Margin (10-11)

Provision for Taxes

Profit after Tax

籜¢è² ç±±Ú‡¢

¥çx¢í}¢¢ï´ ÐÚ ¥¢²

çݱïà¢¢ï´ ÐÚ ¥¢²

籜¢è² H¢x¢¼

Á¢}¢¢Ú¢çࢲ¢ï´ Ü è H¢x¢¼

©{¢Ú Ü è H¢x¢¼

籜¢è² }¢¢<Á¢Ý (1-4)

ÐçÚÓ¢¢HÝ Ã²²

ç±ç±{ ¥¢²

ÐçÚÓ¢¢HÝ H¢|¢ (7+9)-8

Á¢¢ïç¶}¢ H¢x¢¼

à¢ééh }¢¢<Á¢Ý

Ü Ú¢ï´ Üï çH» Ðí¢±{¢Ý

Ü Ú¢ï´ Üï Ï¢¢Î H¢|¢

R }¢Sr.No.

Page 28: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

22

17. Awards and Recognition :

Ðè»È ¥¢ÚÇè» »Ðè±¢§ü ¥ç|¢²¢Ý S¢ï Ðí¢# ÐéÚSÜ ¢ÚAwards from PFRDA APY campaigns

¥±ç{Period

좏碏碏좏BGGB

©yÜë C ÐíÎà¢üÝÜ ¼¢üOut Performers

籜¢è² ±¯ü 2018-19 Üï ΢ñÚ¢Ý Hÿ² Ðí¢ç#Achieving Target of FY 2018-19

1 S¢ï 8 Á¢êÝ, 2018 ¼ÜFrom 01st to 08th June, 2018

¥ÐíñH S¢ï Á¢êÝ 2018

April to June 2018

5 S¢ï 15 çS¢¼æÏ¢Ú 2018

5th to 15th September 2018

Á¢éH¢§ü S¢ï çS¢¼æÏ¢Ú 2018

July to September 2018

5 S¢ï 17 ¥Qê Ï¢Ú 2018

5th to 17th October 2018

12 S¢ï 26 çÎS¢}Ï¢Ú 2018

12th to 26th December 2018

¥Qê Ï¢Ú S¢ï çÎS¢æÏ¢Ú 2018

October to December 2018

11 S¢ï 28 È Ú±Úè 2019

11th to 28th February 2019

6 S¢ï 28 }¢¢Ó¢ü 2019

6th to 28th March 2019

Á¢Ý±Úè S¢ï }¢¢Ó¢ü 2019

January to March 2019

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

ÐéÚSÜë ¼Awarded

v±ïSÅ È ¢òÚ R ¢©ÝQuest for Crown

¥¢Åü ¥¢òÈ Ð¢òçS¢Ï¢H-~¢ñ}¢¢çS¢Ü Hÿ² Ðí¢ç# ãï¼éArt of Possible - for Quarterly Target Achievement

}¢ïÜ S¢ü ¥¢òÈ »çvS¢Hï‹S¢ 2.0

Makers of Excellence 2.0

HèÇ ¥¢òÈ HèÐ - ~¢ñ}¢¢çS¢Ü Hÿ² Ðí¢ç# ãï¼éLead to Leap - for Quarterly Target Achievement

Ú¢§Á¢G ¥Ï¢± ÚïSÅRise above Rest

HèÇÚçà¢Ð Üñ çÐÅHLeadership Capital

ÐÚÈ ¢ï}¢ü‹S¢ È ¢òÚ Ðí¢§Ç - ~¢ñ}¢¢çS¢Ü Hÿ² Ðí¢ç# ãï¼éPerformance for Pride - for Quarterly Target Achievement

çÏ¢x¢ çÏ¢Hè±S¢üBig Believers

¥¢Åü ¥¢òÈ §ævHéÁ¢ÝArt of Inclusion

x¢ï}¢ Ó¢ï‹Á¢S¢ü - ~¢ñ}¢¢çS¢Ü Hÿ² Ðí¢ç# ãï¼éGame Changers - for Quarterly Target Achievement

17. ÐéÚSÜ ¢Ú »±æ }¢¢Ý :

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

23

18. Information Technology:

With the introduction of CBS, Bank has takenvarious initiatives towards process reengineering byleveraging technology, to make them simple andminimize the risk involved. Bank has coveredfollowing areas under computerization to take thebenefit of technology and to offer prompt customerservices.

18. S¢êӢݢ Ðí¢ñl¢ïçx¢Ü è :CBS Ü è à¢éL¥¢¼ Üï S¢¢‰¢, Ï¢ñ´Ü Ýï Ðí¢ñl¢ñçx¢Ü è Ü ¢ H¢|¢ ©Æ¢¼ï ãé»ÐíçR ²¢ Ðéݲüç|¢²¢ç‹~¢Ü è Ü è çÎࢢ }¢ï´ Ü §ü ÐãH Ü è ãñ´ çÁ¢S¢S¢ï Ï¢ñ´ÜÜ è ¼Ü ÝèÜ è Ü ¢²üÐ퇢¢Hè S¢ÚH ¼‰¢¢ Á¢¢ïç¶}¢ Úçã¼ ã¢ï J Ï¢ñ´Ü ÝïÐí¢ñl¢ïçx¢Ü è Ü ¢ H¢|¢ ©Æ¢Ýï »±æ y±çÚ¼ x¢í¢ãÜ S¢ï±¢ ÐíÎ¢Ý Ü ÚÝï ÜïçH» Ü }Œ²éÅÚ¢§üÁ¢ïà¢Ý Üï ¥æ¼x¢ü¼ çÝ}ÝçH綼 ÿ¢ï~¢¢ï´ Ü ¢ï Ü ±Ú çÜ ²¢ãñ J

}¢¢ïÏ¢¢§üH Ï¢ñ´ôÜ x¢ S¢éç±{¢Mobile Banking Facility.

|¢è}¢ ¥¢{¢Ú (Á¢¢ÚèÜ ¼¢ü)Aadhar BHIM (Issuer)

S¢èÅè»S¢-2010

CTS-2010

Ï¢èÁ¢èÁ¢èÏ¢è çÜ S¢¢Ý LÐï Ü ¢ÇüBGGB Kisan RuPay Card

NACH-ECS Cr-Dr S¢éç±{¢NACH-ECS Cr-Dr Facility.

¥¢òÈ S¢¢§Å GL-PL ¥¢æÜ ÇG¢ïæ ãï¼é CLORET ²êçÅçHçÅCLORET utility for offsite GL-PL data

çÈ Ý¢Ü H ÐèS¢è ÐÚ Hèx¢S¢è ¥¢æÜ ÇGïæLegacy data on Finacle PC.

AEPS (¥¢òÝ ¥S¢ - ¥¢òÈ ¥S¢)AEPS (On us-Off Us)

Ï¢ËÜ SMS S¢éç±{¢ -x¢í¢ãÜ ¢ï´ Ü ¢ï çà¢çÿ¢¼ ¼‰¢¢ Á¢¢x¢LÜ Ü ÚÝï ãï¼éBulk SMS facility - To educate andcreate awareness among customers.

Ï¢ñHï‹S¢ Ü è Á¢¢ÝÜ ¢Úè Üï çH» ç}¢S¢Ü ¢òH S¢éç±{¢Miss Called facility for balance Inquiry

S¢Ï¢±ï‹à¢Ý }¢¢ïÇKéHSubvention module.

¥¢{¢Ú Ðí}¢¢‡¢èÜ Ú‡¢ - Á¢ÝS¢¢æçw²Ü è²Aadhar Authentication – Demographic

òçQ x¢¼ Ó¢ïÜ Ï¢éÜ Á¢¢Úè Ü ÚÝ¢Issuance of Personalised cheque Book

΢ïãÚè Ðí}¢¢‡¢èÜ Ú‡¢ Üï çH» Ï¢¢²¢ï}¢ïçÅîÜ ©ÐÜ Ú‡¢çÈ Ý¢Ü H ÐèS¢è }¢ï´ S‰¢¢çм çÜ » ãé» ãñ´For Dual authentication, Biometric devices areInstalled with Finacle PCs.

S¢èÏ¢è»S¢ ŒHïÅÈ ¢ò}¢ü Üï ¥æ¼x¢ü¼ S¢|¢è ࢢ¶¢»¡All branches under CBS platform.

IMPS S¢éç±{¢IMPS facility

NEFT-RTGS S¢éç±{¢»¡NEFT-RTGS Facilities.

EVM LÐï ÇïçÏ¢Å Ü ¢ÇüEVM RuPay debit card.

DBT Üï çH» APB/ACH/NACH ŒHïÅÈ ¢ò}¢üAPB/ACH/NACH platform for DBT

NPA }¢¢òçÝÅôÚx¢ Üï çH» ASCROM S¢¢òzűï²ÚASCROM software -for NPA monitoring

AML Üï çH» AMLOC utility

AMLOC utility - for AML

BCs Üï çH» KIOSK }¢¢ïÇKéHKIOSK module for BCs

x¢í¢ãÜ ¢ï´ Üï çH» »S¢»}¢»S¢ S¢êӢݢ S¢éç±{¢ (Hx¢|¢x¢ 27 S¢êӢݢ»¡)SMS alerts facility to customers (Appx 27 Alerts)

FASSET }¢¢ïÇKéH - È ÝèüÓ¢Ú ¼‰¢¢ çÈ vS¢Ó¢Ú Üï ÚïÜ ¢Çü Ü ¢ }¢ï´ÅïÝï´S¢FASSET module- Maintenance of Furniture - Fixture records.

ETDS }¢¢ïÇKéHETDS module.

x¢í¢ãÜ ÚӢݢ/¥ÐÇïà¢Ý Ü Ú¼ï S¢}¢²ï ÐñÝ ÝæÏ¢Ú Ü ¢ ¥¢òÝH¢§üÝ S¢y²¢ÐÝOnline PAN verification during customer creation/updation.

§ü-Ü ¢ò}¢S¢ü S¢éç±{¢E-commerce Facility.

S¢èÜï ±¢§üS¢è CKYC

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

24

ADC Transactios: (2018-19)

• ATM transactions - 326.89 Crores

• Mobile Banking Transactions – ` 11.08 Crore

• IMPS transactions - `.62.55 Crores

• Issued RuPay Debit Cards - 127313 (Total 738570)

• Issued RuPay Kisan Cards - 4234 (Total 65530)

19. Inspection andAudit:

• -245- Branches were due for internal inspectionduring 2018-19 out of -246- branches. The internal inspection of all -245- branches which were due forinspection has been carried out during the year2018-19 by the Inspection Department of the Bankand appropriate actions were taken for rectificationof discrepancies in the working of the branches.

• With a view to envisaging proper rectification ofirregularities emerging from the inspection reportsand for taking other corrective remedial measures invarious operational areas, Sub-Audit Committeehas been constituted at Regional Office Level whichis presided over by General Manager, holdsmeetings at every month to discuss branch-wisecompliance position. The Audit Committee of theBoard reviews the performance of Inspection andAudit function along with Board Meeting. This hashelped in identifying the areas of concern in theRegions and Branches and has helped in effectiverectification.

• Bank has other audit systems –, Snap Audit,Revenue Audit, Preventive Vigilance Audit, CreditAudit, StockAudit.

• The following Auditors (Statutory Central Auditorand Branch Auditors) were appointed as perNABARD guidelines. The books of accounts of thebank for the year 2018-19 were audited by StatutoryCentralAuditor K C Mehta & Co., Vadodara.

1. K C Mehta & Co., Vadodara : 23 branches

: 3 ROs & H.O.

2. Goyal Vinod & Co., Surat : 12 branches

3. S Kabra & Co., Surat : 11 branches

4. Parikh Mehta &Associates, Vadodara : 12 branches

5. K M Swadia & Co., Vadodara : 10 branches

6. H. K. Shah,Ahmedabad : 12 branches

7. Surti & Talati,Ankleshwar : 11 branches

8. Bipin & Co., Vadodara : 11 branches

9. N Kumbhat & Co., Surat : 10 branches

10. S. C. Bafna, Surat : 10 branches

11. Soni Jawahar & Co., Surat : 10 branches

`»ÇèS¢è HïÝ-ÎïÝ (2018-19) :

• ATM Üï m¢Ú¢ HïÝÎïÝ : ` 326.89 Ü Ú¢ïÇG• }¢¢ïÏ¢¢§üH Ï¢ñ´ôÜ x¢ HïÝÎïÝ : ` 11.08 Ü Ú¢ïÇG• IMPS HïÝÎïÝ : ` 62.55 Ü Ú¢ïÇG• Á¢¢Úè çÜ » x¢» LÐï ÇïçÏ¢Å Ü ¢Çü : 127313 (Üé H 738570)• Á¢¢Úè çÜ » x¢» LÐï çÜ S¢¢Ý Ü ¢Çü : 4234 (Üé H 65530)

19. çÝÚèÿ¢‡¢ »±æ Hﶢ ÐÚèÿ¢‡¢ :

• 2018-19 Üï ΢ñÚ¢Ý -246- ࢢ¶¢¥¢ïæ }¢ï´ S¢ï -245- ࢢ¶¢¥¢ïæ Ü ¢çÝÚèÿ¢‡¢ çÜ ²¢ Á¢¢Ý¢ ‰¢¢ J ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ï¢ñ´Ü Üï çÝÚèÿ¢‡¢ç±|¢¢x¢ m¢Ú¢ S¢|¢è ࢢ¶¢¥¢ïæ, çÁ¢ÝÜ ¢ çÝÚèÿ¢‡¢ çÜ ²¢ Á¢¢Ý¢ Ï¢¢Ü è ‰¢¢,Ü ¢ ¥¢æ¼çÚÜ çÝÚèÿ¢‡¢ çÜ ²¢ x¢²¢ ¥¢ñÚ à¢¢¶¢¥¢ïæ Üï Ü ¢²¢ïZ }¢ï´ Т§ü x¢§üÜ ç}¢²¢ï´ }¢ï´ S¢é{¢Ú ãï¼é S¢}¢éçÓ¢¼ Ü ¢²ü±¢ãè Ü è x¢§ü J

• çÝÚèÿ¢‡¢ çÚТïÅü }¢ï´ ©çÌ綼 ¥çݲ}¢¼¼¢ Üï ©çÓ¢¼ S¢é{¢Ú H¢Ýï ¥¢ñÚç±ç±{ ÐíÓ¢¢HÝ ÿ¢ï~¢¢ï´ }¢ï´ S¢é{¢Ú¢y}¢Ü ©Ð¢² H¢x¢ê Ü ÚÝï Ü è ÎëçC S¢ïÿ¢ï~¢è² Ü ¢²¢üH² }¢ï´ ©Ð Hﶢ ÐÚèÿ¢¢ S¢ç}¢ç¼ Ü ¢ x¢ÆÝ çÜ ²¢ x¢²¢ ãñÁ¢¢ï }¢ã¢ÐíÏ¢æ{Ü m¢Ú¢ Ü è Á¢¢¼è ãñ çÁ¢S¢Ü è Ï¢ñÆÜï }¢¢çS¢Ü ¥¢{¢Ú ÐÚ¥¢²¢ïçÁ¢¼ Ü è Á¢¢ Úãè ãñ J Ï¢¢ïÇü Ü è Hﶢ ÐÚèÿ¢¢ S¢ç}¢ç¼ Ï¢¢ïÇü }¢èôÅx¢Üï S¢¢‰¢-S¢¢‰¢ çÝÚèÿ¢‡¢ »±æ Hﶢ Ü ¢²ü Üï çÝcТÎÝ Ü è |¢è S¢}¢èÿ¢¢Ü Ú¼è ãñ J §S¢S¢ï ÿ¢ï~¢¢ï´ ¥¢ñÚ à¢¢¶¢¥¢ïæ }¢ï´ ôÓ¢¼¢ Üï 籯²¢ï´ Ü ¢ï Á¢¢ÝÝ異ñÚ ©ÝÜï Ðí|¢¢±è S¢é{¢Ú H¢Ýï }¢ï´ }¢ÎÎ ç}¢Hè ãñ J

• Ï¢ñ´Ü }¢ï´ ¥‹² ¥¢òçÇÅ çS¢SÅ}¢ ãñ´ - FñÐ ¥¢òçÇÅ, Úï±ï‹²é ¥¢òçÇÅ,çÐí±ï´çű ç±çÁ¢Hï´S¢ ¥¢òçÇÅ, Rï çÇÅ ¥¢òçÇÅ, SÅ¢òÜ ¥¢òçÇÅ J

• ݢϢ¢Çü Üï }¢¢x¢üÎà¢üÝ Üï ¥ÝéMÐ çÝ}ÝçH綼 Hﶢ ÐÚèÿ¢Ü(S¢¢æç±ç{Ü Üï ‹Îíè² Hﶢ ÐÚèÿ¢Ü »±æ ࢢ¶¢ Hﶢ ÐÚèÿ¢Ü ) çݲéQçÜ » x¢» J ±¯ü 2018-19 Ü ¢ Hﶢ ÐÚèÿ¢‡¢ S¢¢æç±ç{Ü Üï ‹Îíè²Hﶢ ÐÚèÿ¢Ü , Üï . S¢è. }¢ïã¼¢ »æÇ Üæ ÐÝè, ±ÇG¢ïÎÚ¢ m¢Ú¢ çÜ ²¢ x¢²¢ J

1) Üï . S¢è. }¢ïã¼¢ »‹Ç Üæ ÐÝè, ±ÇG¢ïÎÚ¢ : 23 ࢢ¶¢»¡: 3 ÿ¢ï.Ü ¢. »±æ Ðí.Ü ¢.

2) x¢¢ï²H ç±Ý¢ïÎ »‹Ç Üæ ÐÝè, S¢êÚ¼ : 12 ࢢ¶¢»¡3) »S¢ Ü ¢Ï¢Ú¢ »‹Ç Üæ ÐÝè, S¢êÚ¼ : 11 ࢢ¶¢»¡4) ÐÚè¶ }¢ãï¼¢ »‹Ç »S¢¢ïçS¢»ÅìS¢, ±ÇG¢ïÎÚ¢ : 12 ࢢ¶¢»¡5) Üï . »}¢. S±¢Îè²¢ »‹Ç Üæ ÐÝè, ±ÇG¢ïÎÚ¢ : 10 ࢢ¶¢»¡6) »Ó¢. Üï . ࢢã, ¥ã}¢Î¢Ï¢¢Î : 12 ࢢ¶¢»¡7) S¢éÚ¼è »‹Ç ¼H¢Åè, ¥æÜ HïEÚ : 11 ࢢ¶¢»¡8) çÏ¢çÐÝ »‹Ç Üæ ÐÝè, Ï¢ÇG¢ñ΢ : 11 ࢢ¶¢»¡9) »Ý. Üéæ |¢¢¼ »‹Ç Üæ ÐÝè, S¢êÚ¼ : 10 ࢢ¶¢»¡10) »S¢. S¢è. Ï¢¢È Ý¢, S¢êÚ¼ : 10 ࢢ¶¢»¡11) S¢¢ïÝè Á¢±¢ãÚ »‹Ç Üæ ÐÝè : 10 ࢢ¶¢»¡

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12. M M S &Associates, Surat : 10 branches

13. P K M G & Company, Surat : 10 branches

Statutory Central Auditor K C Mehta & Co, Vadodaraalongwith Branch Auditors have audited books ofAccounts of 153 branches, 3 Regional Offices and HeadOffice of the Bank.

20. ManagementAudit:

Management Audit of the Bank is being carried out by the sponsor bank in every three years. LastManagementAudit was carried out from 05/02/2018to 23/02/2018 by the team of Zonal Internal AuditDivision, Mumbai headed by the Dy. GeneralManager of Sponsor Bank, Bank of Baroda. Actiontaken/ compliance report on observations given inthe Executive Summary has been submitted on28.09.2018. The same was put to the Board forinformation.

21. NABARD Inspection:

Statutory Inspection U/S 35(A) of BankingRegulation Act-1949 has been carried out byNABARD with reference to financial position as on31.03.2018. Action taken / compliance report onobservations/deficiencies mentioned in theAppendix-IV of the report has been submitted toNABARD on 05.10.2018.

22. Implementation of ConcurrentAudit System:

As per the NABARD guidelines, Bank has adopted Concurrent Audit Policy and has implementedConcurrent Audit System in the Bank from financialyear 2013-14. Bank had identified -62- branchesunder Concurrent Audit during the financial year2018-19.

23. Disclosure of Penalties imposed:

Bank has fully complied with statutory requirements/ norms and no penalty is imposed by any Regulatorduring the current fiscal.

24. Vigilance Matters (Fraud Cases):

Vigilance machinery in the Bank is effectivelyperforming its proactive role in traditional andemerging risk prone areas in computerizedenvironment, in addition to sensitizing all categoriesof staff members with various preventive measures.Five Cases of Fraud have been reported during theFinancial Year 2018-19 of amount involving ` 67.45Lakh at two branches.

As on 31-03-2019, outstanding Fraud Cases are 25with total amount involved ` 586.07 Lakh, out ofwhich, ` 230.31 Lakh have been recovered. Bankhas made provision of ` 369.16 Lakh against theoutstanding balance of ` 355.76 Lakh.

12) »}¢. »}¢. »S¢. »‹Ç »S¢¢ïçS¢»ÅìS¢, S¢êÚ¼ : 10 ࢢ¶¢»¡13) Ðè. Üï . »}¢. Á¢è. »‹Ç Üæ ÐÝè, S¢êÚ¼ : 10 ࢢ¶¢»¡

S¢¢æç±ç{Ü Üï ‹Îíè² Hﶢ ÐÚèÿ¢Ü , Üï . S¢è. }¢ïã¼¢ »‹Ç Üæ ÐÝè,±ÇG¢ïÎÚ¢ Ýï ࢢ¶¢ Hﶢ ÐÚèÿ¢Ü ¢ï´ Üï S¢¢‰¢ Ï¢ñ´Ü Ü è 153 ࢢ¶¢¥¢ïæ,03 ÿ¢ï~¢è² Ü ¢²¢üH²¢ï´ ¼‰¢¢ Ðí{¢Ý Ü ¢²¢üH² Üï ¶¢¼¢ï´ Ü ¢ HﶢÐÚèÿ¢‡¢ çÜ ²¢ ãñ J

20. }¢ñÝïÁ¢}¢ï´Å ¥¢òçÇÅ :Ï¢ñ´Ü Ü è ÐíÏ¢æ{Ü è² Hﶢ ÐÚèÿ¢¢ Ðíy²ïÜ ¼èÝ ±¯ü }¢ï´ Ðí¢²¢ïÁ¢Ü Ï¢ñ´Üm¢Ú¢ Ü è Á¢¢ Úãè ãñ J çÐÀHè Hﶢ ÐÚèÿ¢¢ Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü , Ï¢ñ´Ü ¥¢òÈÏ¢ÇG¢ñ΢ Üï ©Ð }¢ã¢ÐíÏ¢æ{Ü Üï Ýï¼ëy± }¢ï´ ¥æÓ¢H ¥¢æ¼çÚÜ HﶢÐÚèÿ¢‡¢ ç±|¢¢x¢, }¢éæÏ¢§ü Ü è Åè}¢ m¢Ú¢ 5-2-2018 S¢ï 23-2-2018

¼Ü Ü è x¢§ü ‰¢è J Ü ¢²üÜ ¢Úè S¢¢Ú¢æࢠ}¢ï´ çλ x¢» ¥±H¢ïÜ Ý¢ï´ ÐÚ Ü è x¢§üÜ ¢²ü±¢ãè/¥ÝéТHÝ¢ çÚТïÅü 28-9-2018 Ü ¢ï ÐíS¼é¼ Ü Ú Îè x¢§ü ãñ J©S¢ï Ï¢¢ïÇü Üï S¢}¢ÿ¢ S¢êӢݢ ãï¼é Ú¶¢ x¢²¢ J

21. ݢϢ¢Çü ÐÚèÿ¢‡¢Ý¢Ï¢¢Çü m¢Ú¢, Ï¢ñ´ôÜ x¢ Úïx²éHïà¢Ý »vÅ 1949 Ü è {¢Ú¢ 35(») Üï¥æ¼x¢ü¼ çÎÝ¢æÜ 31-3-2018 Ü è ç±çœ¢² çS‰¢ç¼ Üï S¢æÎ|¢ü }¢ï´S¢¢æç±ç{Ü Hﶢ ÐÚèÿ¢‡¢ Ü Ú çH²¢ x¢²¢ ãñ J çÚТïÅü Üï S¢æHxÝÜ 4 }¢ï´±<‡¢¼ ¥±H¢ïÜ Ý¢ï ´/Ü ç}¢²¢ï ´ ÐÚ Ü è x¢§ü Ü ¢²ü±¢ãè Ü è çÚТïÅü05-10-2018 Ü ¢ï ݢϢ¢Çü Ü ¢ï ÐíS¼é¼ Ü Ú Îè x¢§ü ãñ J

22. S¢}¢±¼èü HﶢÐÚèÿ¢¢ Ð퇢¢Hè Ü ¢ Ü ¢²¢ü‹±²ÝݢϢ¢Çü Üï çÎࢢçÝÎïüà¢¢ï´ Üï ¥ÝéS¢¢Ú Ï¢ñ´Ü Ýï S¢}¢±¼èü Hﶢ ÐÚèÿ¢¢ Ýèç¼¥ÐÝ¢§ü ãñ ¼‰¢¢ 籜¢è² ±¯ü 2013-14 S¢ï Ï¢ñ´Ü }¢ï´ S¢}¢±¼èüHﶢÐÚèÿ¢¢ Ð퇢¢Hè H¢x¢ê Ü è ãñ J Ï¢ñ´Ü Ýï 籜¢è² ±¯ü 2018-19 Üï΢ñÚ¢Ý S¢}¢±¼èü Hﶢ ÐÚèÿ¢¢ Üï ¥æ¼x¢ü¼ 62 ࢢ¶¢¥¢ïæ Ü ¢ Ó¢²ÝçÜ ²¢J

23. Hx¢¢» x¢» ¥‰¢üÎ‡Ç Ü ¢ ÐíÜ ÅèÜ Ú‡¢Ï¢ñ´Ü Ýï ±ñ{¢çÝÜ ¥¢±à²Ü ¼¢¥¢ïæ / }¢¢ÝÎæÇ¢ï Ü ¢ ÐêÚè ¼Úã S¢ï ТHÝçÜ ²¢ ãñ ¥¢ñÚ Ó¢¢Hê 籜¢ ±¯ü Üï ΢ñÚ¢Ý çÜ S¢è |¢è çݲ¢}¢Ü m¢Ú¢ Ü ¢ï§ü¥‰¢üÎ‡Ç Ýãè´ Hx¢¢²¢ x¢²¢ ãñ J

24. S¢¼Üü ¼¢ }¢¢}¢Hï ({¢ï¶¢{ÇGè Üï }¢¢}¢Hï)Ü }¢üÓ¢¢çÚ²¢ï´ Üï S¢|¢è ±x¢¢ïZ Ü ¢ ç±ç|¢ó¢ çݱ¢ÚÜ ©Ð¢²¢ï´ Üï S¢¢‰¢S¢æ±ïÎèÜ Ú‡¢ Ü ÚÝï Üï S¢¢‰¢ ãè S¢¼Üü ¼¢ ¼æ~¢ Ï¢ñ´Ü Üï ¥æÎÚ Ü }Œ²êÅèÜë ¼±¢¼¢±Ú‡¢ }¢ï´ ТÚæÐçÚÜ ¼‰¢¢ ©|¢Ú¼ï Á¢¢ïç¶}¢ ±¢Hï ÿ¢ï~¢¢ï´ }¢ï´ ¥ÐÝèS¢çR ² |¢êç}¢Ü ¢ ¥Î¢ Ü Ú Ú㢠ãñ J 籜¢ ±¯ü 2018-19 }¢ï´ ΢ïࢢ¶¢¥¢ïæ }¢ï´ ` 67.45 H¢¶ Lвï Ü è {¢ï¶¢{ÇGè Üï Т¡Ó¢ }¢¢}¢Hï Т»x¢» ãñ´ J31-3-2019 Ü ¢ï S¢æÏ¢h 좆 ¢²¢ Ú¢çࢠ` 586.07 H¢¶ Lвï ÜïS¢¢‰¢ 25 {¢ï¶¢{ÇGè Üï }¢¢}¢Hï ãñ´, çÁ¢S¢}¢ï´ S¢ï ` 230.31 H¢¶ Ü èçÚÜ ±Úè ãé§ü ãñ J Ï¢ñ´Ü Ýï ` 355.76 H¢¶ Üï 좆 ¢²¢ à¢ï¯ Üï S¢¢}¢Ýï` 369.16 H¢¶ Ü ¢ Ðí¢±{¢Ý çÜ ²¢ ãñ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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25. House Keeping:

The balancing of books and reconciliation of current& OD accounts with Bank of Baroda and other bankswere in commendable position at the end of31.3.2019.

26. Inter Branch Transactions:

Reconciliation of the inter branch transactions isbeing monitored at Head Office level.

27. Transfer Price Mechanism:

Head Office has charged interest on fund lent tobranches / offices @ 8.50% for the period01.04.2018 to 31.03.2019 and paid interest on fundborrowed from branches / offices @ 08.25% p.a. forthe period 01.04.2018 to 31.03.2019

28. Board Meeting:

During the calendar year 2018, six Board Meetingswere held, wherein Bank’s performance / progresswere discussed and reviewed along with number ofother policy matters.

29. Financial Inclusions:

• The Bank is operating in -14- (fourteen) districts ofCentral and South Gujarat. Most of the districts havesignificant tribal population. Efforts of the Bank havecontributed to their well-being and development.The bank is aggressive on financial inclusion front.

• Bank has decided that all branches will organizeth

Gram Sabha /Customer meet on 19 of every monthth

from January 2018. If 19 is holiday next workingday will be taken into consideration.

• As our bank is registered with NPCI and thepayment of Aadhar Number Based subsidies underDirect Benefit Programme have started receiving inCBS system on daily basis. Bank has total -628628 -Operative PMJDY account out of which – 586268 - seeded withAadhaar.

• As bank is aggregator for NPS Lite &APY and underNPS Lite total -286- & under APY -17475- freshenrollment during the year 2018-19 andcumulative -35728- has been done successfully.

• Applications enrolled under PMJJBY and PMSBYare -42752- and -118385- respectively. During theyear, claims were made for 80 beneficiaries underPMJJBY and for 32 beneficiaries under PMSBY. Outof which -67- claims under PMJJBY & -12- claimsunder PMSBY have been settled.

25. 㢩S¢ Ü èôÐx¢ :çÎÝ¢æÜ 31-3-2019 Ü ¢ï ¶¢¼¢ Ï¢çã²¢ï´ Üï S¢æ¼éHÝ ¥¢ñÚ Ï¢ñ´Ü ¥¢òÈÏ¢ÇG¢ñ΢ »±æ ¥‹² Ï¢ñ´Ü ¢ï Üï S¢¢‰¢ Ó¢¢Hê ¶¢¼¢ï´ ¼‰¢¢ ¥¢ï±ÚÇî¢zÅ ¶¢¼¢ï´Üï ç}¢H¢Ý Ü è çS‰¢ç¼ S¢Ú¢ãÝè² ãñ J

26. ¥æ¼Ú ࢢ¶¢ ò±ã¢Ú :¥æ¼Ú ࢢ¶¢ ò±ã¢Ú¢ï´ Üï ç}¢H¢Ý Ü è çS‰¢ç¼ Ü è çÝx¢Ú¢Ýè Ðí{¢ÝÜ ¢²¢üH² m¢Ú¢ Ü è Á¢¢¼è ãñ J

27. }¢ê˲ ¥æ¼Ú‡¢ ÐíçR ²¢ :Ðí{¢Ý Ü ¢²¢üH² Ýï ࢢ¶¢¥¢ïæ / Ü ¢²¢üH²¢ï´ Ü ¢ï 1- 4- 2018 S¢ï 31 -

3-2019 Üï ΢ñÚ¢Ý Îè x¢§ü ©{¢Ú Ú¢çࢠÐÚ 8.50% Ðíç¼ ±¯ü Ü è ÎÚS¢ï ϲ¢Á¢ Ðí|¢¢çÚ¼ çÜ ²¢ ãñ »±æ Ðí{¢Ý Ü ¢²¢üH² Ýïࢢ¶¢¥¢ïæ/Ü ¢²¢üH²¢ï´ S¢ï 1-4-2018 S¢ï 31-3-2019 Ü è ¥±ç{ Üï΢ñÚ¢Ý Hè x¢§ü ©{¢Ú Ú¢çࢠÐÚ 8.25% Ðíç¼ ±¯ü Ü è ÎÚ S¢ï ϲ¢Á¢Ó¢éÜ ¢²¢ J

28. çÝÎïà¢Ü }¢æÇH Ü è Ï¢ñÆÜÜñ Hï‹ÇÚ ±¯ü 2018 Üï ΢ñÚ¢Ý çÝÎïà¢Ü }¢æÇH Ü è -06- Ï¢ñÆÜï ´ ãé§üçÁ¢S¢}¢ï´ ¥‹² Ýèç¼x¢¼ }¢¢}¢H¢ï´ Üï S¢¢‰¢-S¢¢‰¢ Ï¢ñ´Ü Üï Ü ¢²ü çÝcТÎÝ /Ðíx¢ç¼ ÐÚ Ó¢Ó¢¢ü Ü è x¢§ü J

29. 籜¢è² S¢}¢¢±ïࢠ:• Ï¢ñ´Ü Ü ¢ ÐçÚÓ¢¢HÝ }¢Š² ¼‰¢¢ Îçÿ¢‡¢ x¢éÁ¢Ú¢¼ Üï 14 çÁ¢H¢ï´ }¢ï´ ãñ,

¥ç{Ü ¢æࢠçÁ¢H¢ï´ }¢ï´ ¥¢çα¢S¢è ¥¢Ï¢¢Îè ¥ç{Ü ¼Ú ãñ J ã}¢¢Úï Ðí²¢S¢¢ï´Ýï ©ÝÜï Á¢è±Ý S¼Ú }¢ï´ S¢é{¢Ú ± ç±Ü ¢S¢ }¢ï´ ²¢ïx¢Î¢Ý çβ¢ ãñ J Ï¢ñ´Ü籜¢è² S¢}¢¢±ïà¢Ý Üï Ü ¢²ü Üï çH» Ï¢ãé¼ S¢çR ² ãñ J

• Ï¢ñ´Ü Ýï Èñ ´S¢H¢ çÜ ²¢ ãñ çÜ S¢|¢è ࢢ¶¢»¡ Á¢Ý±Úè 2018 S¢ï Ðíy²ïÜ}¢¢ã Ü è 19 ¼¢Úè¶ Ü ¢ï x¢í¢}¢S¢|¢¢/x¢í¢ãÜ Ï¢ñÆÜ ¥¢²¢ïçÁ¢¼ Ü Úïx¢è J ¥x¢Ú 19 ¼¢Úè¶ Ü ¢ï ¥±Ü ¢à¢ Úã¼¢ ãñ ¼¢ï ©S¢Üï ¥x¢Hï çÎÝ Ï¢ñÆÜÜ ¢ ¥¢²¢ïÁ¢Ý çÜ ²¢ Á¢¢²ïx¢¢ J

• Á¢ñS¢¢ Ü è ã}¢¢Ú¢ Ï¢ñ´Ü »ÝÐèS¢è¥¢§ü Üï S¢¢‰¢ ÐæÁ¢èÜë ¼ ãñ, Ðíy²ÿ¢ H¢|¢²¢ïÁ¢Ý¢ Üï ¥æ¼x¢ü¼ ¥¢{¢Ú ÝæÏ¢Ú ÐÚ ¥¢{¢çÚ¼ S¢Ï¢çS¢Çè S¢èÏ¢è»S¢çS¢SÅ}¢ ÐÚ Î ñ çÝÜ Ð í‡¢ ¢Hè ÐÚ Ð í ¢# 㢠ï Úãè ã ñ J Ï¢ ñ ´Ü }¢ ï ´Ü é H -628628- S¢çR ² PMJDY ¶¢¼ï ãñ´, çÁ¢Ý}¢ï´ -586268-

¥¢{¢Ú ÝæÏ¢Ú Üï S¢¢‰¢ ÎÁ¢ü ãñ J• Ï¢ñ´Ü NPS Lite »±æ APY ãï¼é S¢}¢éÓÓ²Ü ¼¢ü ãñ ¥¢ñÚ ±¯ü 2018-19

Üï ΢ñÚ¢Ý NPS Lite Üï ¼ã¼ -286- »±æ APY Üï ¼ã¼ -17475-

Ý» Ý¢}¢¢æÜ Ý ¥¢ñÚ S¢æÓ¢²è MÐ S¢ï -35728-8 Ý¢}¢¢æÜ Ý çÜ » x¢» ãñ J• PMJJBY ¼‰¢¢ PMSBY Üï ¼ã¼ ÐæÁ¢èÜë ¼ ãé» ¥¢±ïÎÝ R }¢à¢:

- 42752- ¼‰¢¢ -118385- ãñ J §S¢ S¢¢H Üï ΢ñÚ¢Ý PMJJBY }¢ï´80 ¼‰¢¢ PMSBY }¢ï´ -32- H¢|¢¢<‰¢²¢ï´ Üï ΢±ï Ï¢Ýï ‰¢ï ¼‰¢¢ §Ý}¢ï´ S¢ïPMJJBY }¢ï´ -67- ¼‰¢¢ PMSBY }¢ï´ -12- ΢±¢ï´ Ü ¢ çÝÐÅ¢ÝçÜ ²¢ x¢²¢ ãñ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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Banking Seva Kendra through BusinessCorrespondents:

• Bank has entered into agreement with M/s VakrangiFinserve Ltd, M/s NICT and M/s.FIA TechnologiesLtd.,M/s Vision India & M/s VK Venture Pvt.Ltd. as acorporate BC. They have appointed their BCs for all-549- Sub serviceArea (SSA) of the Bank.

• Bank has done proper branding of it’s Banking SevaKendra by fixing Banners and providing Jacket andCap to Bank Mitras exhibiting our Bank’s logo aswell as respective Corporate BC logo.

• Bank has ordered -400- Micro ATMs to M/sSmartchip company an authorized vendor by BOB ,out of which we have received -217- Micro ATMsand delivered to concern BCs by providing themproper training.

Prime Minister Jan Dhan Yojna (PMJDY):

• Bank has opened -817522- accounts under PMJDYand -746148- Rupay Debit Card has been issuedunder these accounts till March 2019.

• Further bank’s efforts are continue to cover allhouseholds by providing them under insurance andpension schemes by opening new branches andappointing BCs.

30. Human Resources:

The details of category wise staff position of thebank as on 31.03.2019 is as under:

Ï¢ñ´Ü ç}¢~¢ Üï }¢¢Š²}¢ S¢ï Ï¢ñ´ôÜ x¢ S¢ï±¢ Üï ‹Îí :

• }¢ï. ±R ¢æx¢è çÈ ÝS¢Ï¢ü çH., }¢ï, »Ý¥¢§üS¢èÅè, }¢ï. »È ¥¢§ü»ÅïvÝ¢ïH¢ïÁ¢è çH., }¢ï. ç±Á¢Ý §æçDz¢ ¼‰¢¢ }¢ï. ±è. Üï . ±ï´Ó¢Ú Ðí¢. çH. ÜïS¢¢‰¢ Ü ¢Ð¢ïüÚïŠϢèS¢è Üï MÐ }¢ï´ »Ü S¢}¢Û¢¢ñ¼¢ çÜ ²¢ ãñ J ©‹ã¢ï´Ýï Ï¢ñ´Ü ÜïS¢|¢è -549- S¢Ï¢ S¢<±S¢ »çÚ²¢ (»S¢»S¢») Üï çH» ¥ÐÝï Ï¢èS¢èçݲéQ çÜ ²ï ãñ´ J

• Ï¢ñ´Ü Ýï Ï¢ñ´ôÜ x¢ S¢ï±¢ Üï ‹Îí Üï Ï¢ñÝÚ Hx¢¢ Ü Ú ¼‰¢¢ Ï¢ñ´Ü ç}¢~¢¢ï´ Ü ¢ï ã}¢¢ÚïÏ¢ñ´Ü Üï H¢ïx¢¢ï Üï S¢¢‰¢-S¢¢‰¢ S¢æÏ¢æç{¼ Ü ¢òТïüÚïŠϢèS¢è ±¢Hï Á¢ñÜï Å ¼‰¢¢Å¢ïÐè Ðí¢ï±¢§üÇ Ü Ú±¢Ü Ú ©çÓ¢¼ ¼ÚèÜï S¢ï Ï¢í¢æôÇx¢ Ü è ãñ J

• Ï¢ñ´Ü Ýï }¢ï. S}¢¢ÅüçӢРÜæ ÐÝè Á¢¢ï Ϣ襢ïÏ¢è Üï m¢Ú¢ »Ü ¥ç{Üë ¼ç±Rï ¼¢ ãñ, Ü ¢ï -400- }¢¢§R ¢ï ATMs Ü ¢ ¥¢òÇüÚ çβ¢ ãñ, çÁ¢S¢}¢ï´ S¢ïã}¢Ýï´ -217- }¢¢§üR ¢ï ATMs Ðí¢# çÜ » ãñ´ ¼‰¢¢ ©‹ãï´ S¢æÏ¢æç{¼ Ï¢ñ´Ü ç}¢~¢¢ï´ Ü ¢ï ©çÓ¢¼ Ðíçà¢ÿ¢‡¢ ÐíÎ¢Ý Ü ÚÜï ç|¢Á¢±¢ çβ¢ ãñ J

Ðí{¢Ý}¢æ~¢è Á¢Ý{Ý ²¢ïÁ¢Ý¢ (Ðè»}¢Á¢ïÇè±¢²) :

• Ï¢ñ´Ü Ýï }¢¢Ó¢ü 2019 ¼Ü -817522- ¶¢¼ï Ðè»}¢Á¢ïÇè±¢§ü Üï¥æ¼x¢ü¼ ¶¢ïHï ãñ ¼‰¢¢ ©Ý}¢ï´ S¢ï -746148- ¶¢¼¢ï´ }¢ï´ LÐï ÇïçÏ¢Å Ü ¢ÇüÁ¢¢Úè çÜ » x¢» ãñ´ J

• S¢¢‰¢ ãè Ï¢ñ´Ü Ü è Ü ¢ïçà¢à¢ Á¢¢Úè ãñ çÜ Ý§ü Ï¢ñ´Ü ࢢ¶¢»¡ ¶¢ïHÜ Ú »±æÏ¢ñ´Ü ç}¢~¢¢ï´ Üï }¢¢Š²}¢ S¢ï Ï¢è}¢¢ ¼‰¢¢ Ðï´à¢Ý ²¢ïÁ¢Ý¢¥¢ïæ Üï ¥æ¼x¢ü¼ S¢|¢èÜ ¢ï Úçÿ¢¼ çÜ ²¢ Á¢¢» J

30. }¢¢Ý± S¢æS¢¢{Ý :çÎÝ¢æÜ 31-3-2019 Ü ¢ï Ÿ¢ï‡¢è±¢Ú SÅ¢È -S¢ÎS²¢ï´ Ü è çS‰¢ç¼ Ü ¢Ï²¢ñÚ¢ çÝ}Ý¢ÝéS¢¢Ú ãñ :

|¢¼èü :Ï¢ñ´Ü Ýï ±¯ü Üï ΢ñÚ¢Ý -75- ¥ç{Ü ¢Úè²¢ï´ ¼‰¢¢ -44- Ü ¢²¢üH²S¢ã¢²Ü ¢ï´ Ü è |¢¼èü Ü è ãñ JIBPS Ü è S¢æ²éQ çH綼 ÐÚèÿ¢¢ RRB-VII :Ï¢ñ´Ü Ýï RRB }¢ï´ ¥ç{Ü ¢çÚ²¢ï´ ¼‰¢¢ Ü ¢²¢üH² S¢ã¢²Ü ¢ï´ Ü è |¢¼èü ÜïçH» ç±ç|¢ó¢ Ü ï‹Îí¢ï´, Á¢ñS¢ï ¥¢‡¢æÎ, ±Ç¢ïÎÚ¢ ¼‰¢¢ S¢êÚ¼ ÐÚ ¥x¢S¼2018 }¢ï´ IBPS Ü è S¢æ²éQ çH綼 ÐÚèÿ¢¢ RRB-VII Üï S¢éÓ¢¢LS¢æÓ¢¢HÝ Üï çH» S¢}¢‹±² çÜ ²¢ J

§Ý}¢ï´ S¢ï ¥ÝéS¢êçÓ¢¼Á¢¢ç¼ /¥Ýé. Á¢Ý Á¢¢ç¼

Of which SC/ST

¥.Á¢¢ç¼ SC ¥.Á¢ÝÁ¢¢ç¼ ST ¥.çÐ.±. OBC

¥ç{Ü ¢çÚ²¢ï´/Ü }¢üÓ¢¢çÚ²¢ï´Ü è S¢æw²¢

No. of Staff

¥ç{Ü ¢Úè / Ü }¢üÓ¢¢Úè Ü è Ÿ¢ï‡¢èCategory of Staff

¥ç{Ü ¢ÚèÜ ¢²¢üH² S¢ã¢²Ü (Ï¢ãé-©gïà¢è² Ü ¢²ü)Ü ¢²¢üH² ÐçÚÓ¢¢ÚÜ (Ï¢ãé-©gïà¢è² Ü ¢²ü)Üé H

R }¢S¢æ.Sr.No.

Officers

Office Assistant (Multipurpose)

Office Attendant (Multipurpose)

Total

1

2

3

454

327

187

968

62

38

31

131

44

63

62

169

80

99

37

216

Recruitment

The Bank has added -75- Officers and -44- OfficeAssistants during the year.

CWE-RRB-VI of IBPS:

The Bank co-ordinated for smooth conduct ofCommon Written Examination-RRBs-VII of IBPS atvarious centres viz.Anand, Vadodara and Surat etc.during August, 2018 for recruitment of Officers and OfficeAssistants in RRBs.

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

28

Promotion

During the year the bank has initiated promotionexercise as under:

Officer SMG/S-IV to SMG/S-V :01 Officer promoted w.e.f. 27/08/2018.

Officer MMG/S-II to MMG/S-III :01 Officer promoted w.e.f. 06/10/2018.

Officer JMG/S-I to MMG/S-II :08 Officers promoted w.e.f.06/10/2018.

OfficeAssistant to Officer S-I :09 OfficeAssistants promoted w.e.f. 06/10/2018.

31. Pension Implementation:

- Baroda Gujarat Gramin Bank(Employees’) PensionRegulations, 2018 published in Official Gazette ofGovt. of India, New Delhi on 21/12/2018 and came into force w.e.. f 21/12/2018.

- First Pension Cheque has been given on08/02/2019 to Staff retired on 31/12/2018.

- ` 1,60,25,744/- Pension (alongwith Arrears from01.04.2018 to 28.02.2019) paid to -60- employeesupto 31/03/2019.

- Actuarial Valuation of Pension Liability as on31/03/2019: ` 179.62 Crore

- 1/5 of the Pension Liability ( ` 179.62 – ` 13 Crorereceivable from EPFO) ` 33.32 Crore.

- Liability for 2018-19 ` 33.32 CroreLess: Contribution receivedfrom Pensioners ` 3.49 Crore

Provision made by the Bank ` 29.83 Crore

in 2018-19

- Remaining Liability of `. 133.28 Crores spread over-4- years @ `. 33.32 Crore every year.

32. Capacity Building:

Bank remained active for training need of itsemployees looking to the requirement. During theyear, bank deputed -53- Officers and -17- OfficeAssistants for training in various areas at differenttraining institutes like BIRD Lucknow & Mangalore,CAB,RBI,Pune, Bank of Baroda, BCC, Mumbai;Baroda Academy,Vadodara, NPCI, Mumbai,SLBC,NABARD,Ahmedabad etc.

During the year the Bank has conducted -15-programmes at its In-house training centre at HeadOffice, Bharuch where in -401- Officer participants, -30- Office Assistant participants were impartedtraining in various areas.

Ð΢ïó¢ç¼±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï çÝ}Ý¢ÝéS¢¢Ú Ð΢ïó¢ç¼ ãï¼é Ü ¢Úü±¢§ü ¥¢Úæ|¢ Ü è ãñ J¥ç{Ü ¢Úè SMG/S-IV S¢ï SMG/S-V : 1 ¥ç{Ü ¢Úè Ð΢ïó¢¼

27-8-2018 S¢ï H¢x¢ê¥ç{Ü ¢Úè MMG/S-II S¢ï SMG/S-III : 1 ¥ç{Ü ¢Úè Ð΢ïó¢¼

6-10-2018 S¢ï H¢x¢ê¥ç{Ü ¢Úè JMG-I S¢ï MMG/S-II : 08 ¥ç{Ü ¢Úè Ð΢ïó¢¼

6-10-2018 S¢ï H¢x¢êÜ ¢²¢üH² S¢ã¢²Ü S¢ï ¥ç{Ü ¢Úè SI : 9 ¥ç{Ü ¢Úè Ð΢ïó¢¼

6-10-2018 S¢ï H¢x¢ê31. Ðï‹à¢Ý Ü ¢²¢ü‹±²Ý :- Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü (Ü }¢üÓ¢¢Úè) Ðï´à¢Ý ¥ç{çݲ}¢ 2018

|¢¢Ú¼ S¢ÚÜ ¢Ú, ݧü çÎÌè Üï ¥¢ç{Ü ¢çÚÜ x¢ïÁ¢ïÅ }¢ï´ 21-12-2018

Ü ¢ï }¢éçÎí¼ ã饢 ¥¢ñÚ 21-12-2018 S¢ï Ðí|¢¢±è ã饢 J- Ð퉢}¢ Ðï´à¢Ý Ó¢ïÜ 31-12-2018 Ü ¢ï S¢ï±¢çݱ뜢 ãé» Ü }¢üÓ¢¢Úè Ü ¢ï 8-

2-2019 Ü ¢ï ÐíÎ¢Ý çÜ ²¢ x¢²¢ ãñ J- 31-3-2019 ¼Ü ` 16025744/- Ðï´à¢Ý (1-4-2018 S¢ï 28-

2-2019 ¼Ü Üï 좆 ¢²¢ Üï S¢¢‰¢) -60- Ü }¢üÓ¢¢çÚ²¢ï´ Ü ¢ï |¢éx¢¼¢ÝçÜ ²¢ x¢²¢ ãñ J

- 31-3-2019 Ü ¢ï Ðï ´à¢Ý ΢ç²y± Ü ¢ Ï¢è}¢¢ æçÜ Ü }¢ ê˲¢æÜ Ý:` 179.62 Ü Ú¢ïÇG

- Ðï´à¢Ý ΢ç²y± Ü ¢ 1/5 (` 179.62 §üÐè»È ¥¢ï S¢ï Ðí¢Œ² ` 13

Ü Ú¢ïÇG) : ` 33.32 Ü Ú¢ïÇG- 2018-19 Ü ¢ ΢ç²y± ` 33.32 Ü Ú¢ïÇG- Ü }¢è: Ðï´à¢Ý򢕫 S¢ï Ðí¢# S¢ã²¢ïx¢ ` 3.49 Ü Ú¢ïÇG- Ï¢ñ´Ü m¢Ú¢ çÜ ²¢ x¢²¢ Ðí¢±{¢Ý ` 29.83 Ü Ú¢ïÇG- ` 133.28 Ü Ú¢ïÇG Ü ¢ à¢ï¯ ΢ç²y± ` 33.32 Ü Ú¢ïÇG Ðíç¼ ±¯ü Ü è ÎÚ

S¢ï -4- ±¯ü }¢ï´ ÐçÚò¢#32. ÿ¢}¢¼¢ çÝ}¢¢ü‡¢ :

¥¢±à²Ü ¼¢ÝéS¢¢Ú ¥ÐÝï Ü }¢üÓ¢¢çÚ²¢ï´ Üï Ðíçà¢ÿ¢‡¢ ¥¢±à²Ü ¼¢¥¢ïæ ÜïÐíç¼ Ï¢ñ´Ü S¢çR ² Ú㢠J Ï¢ñ´Ü m¢Ú¢ ±¯ü Üï ΢ñÚ¢Ý ç±ç|¢ó¢ ÿ¢ï~¢¢ï´ }¢ï´Ðíçà¢ÿ¢‡¢ Üï çH» -53- ¥ç{Ü ¢Úè ¼‰¢¢ -17- Ü ¢²¢üH² S¢ã¢²Ü ¢ï´ Ü ¢ïÏ¢Çü H¶Ýª »±æ }¢æx¢H¢ïÚ, S¢è»Ï¢è, ¥¢ÚϢ襢§ü Ð釢ï, Ï¢ñ´Ü ¥¢òÈÏ¢ÇG¢ñ΢, Ï¢èS¢èS¢è, }¢éæÏ¢§ü, Ï¢ÇG¢ñ΢ ¥Ü ¢Î}¢è, ±ÇG¢ïÎÚ¢, »ÝÐèS¢è¥¢§ü,}¢éæÏ¢§ü, »S¢»HÏ¢èS¢è, ݢϢ¢Çü, ¥ã}¢Î¢Ï¢¢Î Á¢ñS¢ï ç±ç|¢ó¢ Ðíçà¢ÿ¢‡¢S¢æS‰¢¢Ý¢ï´ }¢ï´ Ðíç¼çݲéQ çÜ ²¢ J±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï ¥ÐÝï Ðí{¢Ý Ü ¢²¢üH², |¢MÓ¢ }¢ï´ çS‰¢¼Ðíçà¢ÿ¢‡¢ Üï ‹Îí ÐÚ -15- Ðíçà¢ÿ¢‡¢ Ü ¢²üR }¢¢ï´ Ü ¢ ¥¢²¢ïÁ¢Ý çÜ ²¢,çÁ¢S¢}¢ï´ -401- ¥ç{Ü ¢Úè Ðíç¼|¢¢çx¢²¢ï´, -30- Ü ¢²¢üH² S¢ã¢²ÜÐíç¼|¢¢çx¢²¢ï´ Ü ¢ï ç±ç|¢ó¢ ÿ¢ï~¢ }¢ï´ Ü ¢²¢üH² Ü ¢ Ðíçà¢ÿ¢‡¢ çβ¢ x¢²¢ J©ÐÚ¢ïÜ Üï ¥H¢±¢, Ï¢ñ´Ü Ýï ç±ç|¢ó¢ Ð΢ïó¢ç¼ ¥|²¢S¢¢ï´ Üï çH»

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

29

Apart from the above, The Bank has also conductedprogrammes for imparting pre-promotion training toSC/ST candidates for various promotion exercises.

33. Industrial Relation:

The industrial relations between the Managementand staff of the Bank remained cordial.

The Special Review Committee constituted toreview whether an officer or employee should beretired, has been reviewing the cases of staffmembers in all cadres after completion of the 55years of age or 30 years of total service, whicheveris earlier in the Bank, at regular intervals in terms ofRegulation 11 of Baroda Gujarat Gramin Bank(Officers & Employees) Service Regulations, 2010.

34. RTIAct :

No application under Right to Information Act, 2005is pending as on 31.03.2019.

35. Grievance Redressal :

No. of Complaints pending at the beginning of theyear were 9 (Nine). During the year, we received 25complaints from various customers and 22Complaints have been resolved during the year. No.of complaints pending at the end of the year were12.

Complaints received through Banking Ombudsmanare attended and resolved promptly to thesatisfaction of the customers and BankingOmbudsman has not passed any award against theBank during the year 2018-19.

36. BCSBI:

Bank is member of BCSBI and follows the code ofBank’s Commitment to customers and Code ofBanks Commitment to Micro and Small Enterprises.

37. Achievement under DAP/MOU:

Progress under DAP/MOU at the end of 31.03.2019in respect of key indicators is given below.

¥ÝéS¢êçÓ¢¼ Á¢¢ç¼ / ¥ÝéS¢êçÓ¢¼ Á¢ÝÁ¢¢ç¼ Üï ©}}¢èα¢Ú¢ï´ Ü ¢ïÐÎÝ¢ïó¢ç¼-Ðê±ü Ðíçà¢ÿ¢‡¢ ÐíÎ¢Ý Ü ÚÝï Üï çH» |¢è Ü ¢²üR }¢ ¥¢²¢ïçÁ¢¼çÜ » ãñ´ J

33. ¥¢ñl¢ïçx¢Ü S¢æÏ¢æ{ :Ï¢ñ´Ü Üï ÐíÏ¢æ{Ý ¼‰¢¢ Ü }¢üÓ¢¢çÚ²¢ï´ Üï Ï¢èÓ¢ ¥¢ñl¢ïçx¢Ü S¢æÏ¢æ{ S¢¢ñã¢ÎüÐꇢüÚãï´ JÏ¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü (¥ç{Ü ¢Úè »±æ Ü }¢üÓ¢¢Úè) S¢ï±¢ç±çݲ}¢ 2010 Üï ¥ç{çݲ}¢ 11 Üï ¥æ¼x¢ü¼ Ï¢ñ´Ü Ýï 55 ±¯ü Ü è¥¢²é ²¢ Ï¢ñ´Ü }¢ï´ 30 ±¯ü Ü è Üé H S¢ï±¢, §Ý}¢ï´ S¢ï Á¢¢ï |¢è ÐãHï ã¢ï, ÐꇢüÜ ÚÝï ±¢Hï çÜ S¢è ¥ç{Ü ¢Úè ²¢ Ü }¢üÓ¢¢Úè Ü è S¢ï±¢ Ü è çÝÚæ¼Ú¼¢ Ü èS¢}¢èÿ¢¢ Ü ÚÝï Üï çH» »Ü ç±à¢ï¯ S¢}¢èÿ¢¢ S¢ç}¢ç¼ Ü ¢ x¢ÆGÝ |¢è çÜ ²¢ãñ J

34. ¥¢ÚÅ襢§ü ¥ç{çݲ}¢ :S¢êӢݢ Ü ¢ ¥ç{Ü ¢Ú ¥ç{çݲ}¢, 2005 Üï ¥æ¼x¢ ü¼ çÎÝ¢æÜ31-3-2019 Ü ¢ï Ü ¢ ï§ ü |¢è ¥¢±ïÎÝ HæçÏ¢¼ Ýãè´ ãñ J

35. çà¢Ü ¢²¼ çݱ¢Ú‡¢±¯ü Üï ¥¢Úæ|¢ }¢ï´ 9 çà¢Ü ¢²¼ï´ HæçÏ¢¼ ‰¢è´ J ±¯ü Üï ΢ñÚ¢Ý, ã}¢ï´ ç±ç|¢ó¢x¢í¢ãÜ ¢ï´ S¢ï 25 çà¢Ü ¢²¼ï´ Ðí¢# ãé§ü »±æ ±¯ü Üï ΢ñÚ¢Ý 22 çà¢Ü ¢²¼¢ï´ Ü ¢S¢}¢¢{¢Ý Ü Ú çβ¢ x¢²¢ ãñ J ±¯ü Üï ¥æ¼ }¢ï´ HææçÏ¢¼ çà¢Ü ¢²¼¢ï´ Ü èS¢æw²¢ 12 ‰¢è´ JÏ¢ñ´ôÜ x¢ ¥¢ò}ÏÇìS}¢ñÝ S¢ï Ðí¢# çà¢Ü ¢²¼¢ï´ ÐÚ Š²¢Ý ÎïÝ¢ ¥¢ñÚ ©ÝÜ ¢S¢}¢¢{¢Ý x¢í¢ãÜ ¢ï´ Üï S¢æ¼éC ã¢ïÝï ¼Ü y±çÚ¼ MÐ S¢ï çÜ ²¢ Á¢¢¼¢ ãñ ¥¢ñÚÏ¢ñ´ôÜ x¢ ¥¢ò}ÏÇìS}¢ñÝ Ýï Ï¢ñ´Ü Üï ç±Lh ±¯ü 2018-19 Üï ΢ñÚ¢Ý Ü ¢ï§ü|¢è ÎæÇ Ýãè´ Hx¢¢²¢ ãñ J

36. Ï¢èS¢è»S¢Ï¢è¥¢§ü :ã}¢¢Ú¢ Ï¢ñ´Ü Ï¢èS¢è»S¢Ï¢è¥¢§ü Ü ¢ S¢ÎS² ãñ ¼‰¢¢ x¢í¢ãÜ ¢ï´ Üï Ðíç¼ Ï¢ñ´ÜÜ è Ðíç¼Ï¢h¼¢ S¢æçã¼¢ ¥¢ñÚ S¢êÿ}¢ »±æ HÍ¢é ©l}¢¢ï´ Üï Ðíç¼ Ï¢ñ´Ü Ü è Ðíç¼Ï¢h¼¢ S¢æçã¼¢ Ü ¢ ТHÝ Ü Ú¼¢ ãñ J

37. Çè»Ðè/»}¢¥¢ï²ê Üï ¼ã¼ ©ÐHçÏ{²¢¡ :Ðí}¢é¶ S¢ê ¢ï´ Üï S¢æÎ|¢ü }¢ï´ 31-03-2019 Üï ¥æ¼ }¢ï´Çè»Ðè/»}¢¥¢ï²ê Üï ¼ã¼ Ðíx¢ç¼ ÝèÓ¢ï Îè Á¢¢ Úãè ãñ :

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

30

(Ú¢çࢠ` H¢¶ }¢ï´) (Amt. ` in lakh)

ç±±Ú‡¢Particulars

Üé H Á¢}¢¢Ú¢çࢲ¢æ

Ó¢¢Hê

Ï¢Ó¢¼

S¢¢±ç{

좆 ¢²¢ «‡¢ »±æ ¥çx¢í}¢

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ ¥çx¢í}¢

Üë ç¯ ¥çx¢í}¢

«‡¢ Á¢}¢¢ ¥ÝéТ¼

Position asof 31.03.2018

31.03.2018

Ü ¢ï çS‰¢ç¼MOU Targetfor the year

2018-19

±¯ü 2018-19

Üï çH»»}¢¥¢ï²ê Hÿ²

Achievementsas of

31.03.2019

% ofAchieve

-ment

31.03.2019

Ü ¢ï ©ÐHçÏ{²¢æ%

©ÐHçÏ{R }¢S¢æ.Sr.No.

Total Deposits

Current

Savings

Term

Loans & Adv. Outstanding

Priority Sector Advances

Agri Advances

C. D. Ratio

1.

a.

b.

c.

2.

a.

b.

3.

±¯ü |¢Ú }¢ï´ Á¢¢Úè «‡¢

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ ¥çx¢í}¢

Üë ç¯ ¥çx¢í}¢

çݱH H¢|¢

S¢Ü H çݱïà¢

Ðíç¼ à¢¢¶¢ Ü ¢Ú¢ïÏ¢¢Ú

Ðíç¼ Ü }¢üÓ¢¢Úè Ü ¢Ú¢ïÏ¢¢Ú

Ðíç¼ Ü }¢üÓ¢¢Úè H¢|¢

Loans Issued during the year

Priority Sector Advances

Agri. advances

Net Profit

Gross Investment

Per Branch Business

Per Employee Business

Per Employee Profit

4.

a.

b.

5.

6.

7.

8.

9.

357804.95

10993.90

163806.71

183004.34

170707.40

139846.00

80643.00

47.71

84611.00

71098.00

53398.00

893.29

104378.64

2157.19

586.58

00.99

413500.00

13000.00

193500.00

207000.00

205000.00

169500.00

95000.00

49.58

-

-

-

2000.00

-

-

-

2.21

386619.54

7959.53

175678.57

202981.44

192475.12

158176.83

91991.88

49.78

92251.53

79781.33

56492.73

148.59

137501.60

2354.04

598.24

00.15

93.50

61.23

90.79

98.06

93.89

93.32

96.83

100.40

-

-

-

07.43

-

-

-

06.79

38. Provision for Income Tax:

Exemption u/s 80(P)(2) a(i) of the Income Tax Act,1961 to RRBs has been withdrawn by the Govt. ofIndia from the Financial Year 2006-07. Bank has notmade provision for Income Tax for the fiscal 2018-19as profit earned is in zero tax rate slab.

39. Bancassurance:

With a view to provide the benefits of Life Insuranceschemes to the Bank’s customers and augment thenon interest income, Bank entered into an MoU withIndiaFirst Life Insurance Co. Ltd. for Life Insurancebusiness as a Corporate Agent and collected totalpremium of Rs. 360.15 lakh (WRP) and earnedcommission of Rs. 75.15 lakh during this fiscal i.e.2018-19. Out of -245- branches, -154- branches(63%) participated during 2018-19.

38. ¥¢²Ü Ú Üï çH» Ðí¢±{¢Ý :¥¢²Ü Ú ¥ç{çݲ}¢ 1961 Ü è {¢Ú¢ 80(Ðè)(2) » (i) Üï ¥æ¼x¢ü¼ÿ¢ï~¢è² x¢í¢}¢è‡¢ Ï¢ñ´Ü ¢ï´ Ü ¢ï ç}¢HÝï ±¢Hè ÀêŠ籜¢è² ±¯ü 2006-07 S¢ï|¢¢Ú¼ S¢ÚÜ ¢Ú Ýï ±¢ÐS¢ Hï Hè ãñ J ¥<Á¢¼ H¢|¢ à¢ê‹² Ü Ú ÎÚ Üï SHñÏ¢}¢ï´ ã¢ïÝï Üï Ü ¢Ú‡¢ Ï¢ñ´Ü Ýï 籜¢è² ±¯ü 2018-19 Üï çH» ¥¢²Ü Ú ãï¼éçÜ S¢è |¢è ÐíÜ ¢Ú Ü ¢ Ðí¢±{¢Ý Ýãè´ çÜ ²¢ ãñ J

39. Ï¢ñ´Ü ¢à²¢ïÚï‹S¢ :Ï¢ñ´Ü Üï x¢í¢ãÜ ¢ï´ Ü ¢ï Á¢è±Ý Ï¢è}¢¢ Ü è ²¢ïÁ¢Ý¢¥¢ïæ Ü ¢ H¢|¢ çÎH¢Ýï Ü èÎëçC S¢ï ¥¢ñÚ Ã²¢Á¢ï¼Ú ¥¢² }¢ï´ ±ëçh H¢Ýï Üï çH» Ï¢ñ´Ü Ýï Á¢è±Ý Ï¢è}¢¢Ã²±S¢¢² Üï çH» Ü ¢Ð¢ïüÚïÅ »Á¢ï´Å Üï MÐ }¢ï´ §æçDz¢ È SÅü H¢§È§‹à²¢ïÚï‹S¢ Üæ ÐÝè çHç}¢ÅïÇ Üï S¢¢‰¢ »Ü S¢}¢Û¢¢ñ¼¢ çÜ ²¢ ¥¢ñÚÜé H ` 360.15 H¢¶ (WRP) Ü ¢ Ðíèç}¢²}¢ »Ü ç~¢¼ çÜ ²¢ ãñ ¼‰¢¢§S¢ 籜¢è² ±¯ü ²¢çÝ 2018-19 }¢ï´ ` 75.15 H¢¶ Ü ¢ Ü }¢èà¢Ý ¥<Á¢¼ çÜ ²¢ ãñ J ±¯ü 2018-19 Üï ΢ñÚ¢Ý -245 ࢢ¶¢¥¢ï æ }¢ï ´S¢ï -154- ࢢ¶¢¥¢ïæ (63%) Ýï §S¢}¢ï´ |¢¢x¢ çH²¢ ãñ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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For Promoting Life Insurance business India FirstLife Insurance (IFLIC) had launched recognitioncampaign by the name “BARODA RRB PremierLeague– Season II” from 01-02-2019 to 15-03-2019 for the all three Sponsored RRBs.Performance during the campaign is detailed below:

Baroda Gujarat Gramin Bank was the only RRBamongst -3- RRBs sponsored by Bank of Barodawhich surpassed the target and recognized as aBest Performing RRB in “BARODA RRB PremierLeague– Season II”.

I. Godhra Region stood at First rank and qualified for Winner under WARRIORS group with premiumcollection of ` 61.81 lakh .

II. Vadodara Region stood at First rank and qualifiedfor Winner under GLADIATORS group withpremium collection of ` 56.92 lakh and ValsadRegion was Runner Up in GLADIATORS group withpremium collection of ` 53.31 lakh

III. Total -145- branches i.e. (59%) had participated inBARODA RRB Premier League – Season II duringthe campaign period with -10- Most ValuableBranches with premium collection of ` 5.00 Lakhand above each.

Bank has also entered into tie-up with IFFCOTOKYO General Insurance Co. Ltd. for doing Non-Life Insurance Business as a Corporate Agent andcollected total premium of ` 83.45 lakh and earnedcommission of ` 9.64 lakh during this fiscal i.e.2018-19.

40. CapitalAdequacy:

The Capital Adequacy Ratio of the Bank as on31.03.2019 as per the guidelines received fromReserve Bank of India stood at 09.68%.

41. Interest Rates on Deposits andAdvances:

Interest Rates on Time deposits as on 31.03.2019ranges between 04.50% to 7.00%. Bank hasadditional interest @0.50% to Senior Citizen onFixed Deposit, 1.00% to Staff members and 1.50% to Senior Citizen Staff members over Card Rate.

Á¢è±Ý Ï¢è}¢¢ Ü ¢Ú¢ïÏ¢¢Ú Ü ¢ï Ï¢ÉG¢±¢ ÎïÝï Üï çH» §æçDz¢ È SÅü H¢§È §æಢïÚï´S¢ Ýï S¢|¢è ¼èÝ Ðí¢²¢ïçÁ¢¼ ¥¢Ú¥¢ÚÏ¢è Üï çH» 1-2-2019 S¢ï15-3-2019 ¼Ü “Ï¢ÇG¢ñ΢ ¥¢Ú¥¢ÚÏ¢è çÐíç}¢²Ú Hèx¢ S¢èÁ¢ÝII” Ý¢}¢ S¢ï ¥ç|¢²¢Ý à¢éL çÜ ²¢ ‰¢¢ J ¥ç|¢²¢Ý Üï ΢ñÚ¢Ý ÐíÎà¢üÝ ÝèÓ¢ï çβ¢ x¢²¢ ãñ J

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ m¢Ú¢ Ðí¢²¢ïçÁ¢¼ -3- x¢í¢}¢è‡¢ Ï¢ñ´Ü ¢ï´ }¢ï´ S¢ï Ï¢ÇG¢ñ΢x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü »Ü }¢¢~¢ »ïS¢¢ x¢í¢}¢è‡¢ Ï¢ñ´Ü ‰¢¢ çÁ¢S¢Ýï “Ï¢ÇG¢ñ΢¥¢Ú¥¢ÚÏ¢è çÐíç}¢²Ú Hèx¢ S¢èÁ¢Ý II” }¢ï´ Hÿ² ÐÚ çÜ ²¢ ã¢ï ¥¢ñÚS¢±üŸ¢ïD ÐíÎà¢üÝ Ü ÚÝï ±¢Hï x¢í¢}¢è‡¢ Ï¢ñ´Ü Üï MÐ }¢ï´ }¢¢‹² çÜ ²¢ x¢²¢ J

1) x¢¢ï{Ú¢ ÿ¢ï~¢ ÐãHï S‰¢¢Ý ÐÚ Ú㢠¥¢ñÚ ` 61.81 H¢¶ Ü è Ú¢çࢠÜï Ðíèç}¢²}¢ S¢æx¢íã Üï S¢¢‰¢ ‘±¢ïçÚ²S¢ü’ x¢íéÐ Üï ¼ã¼ ç±Á¢ï¼¢ Ú㢠J

2) ±ÇG¢ïÎÚ¢ ÿ¢ï~¢ ÐãHï S‰¢¢Ý ÐÚ Ú㢠¥¢ñÚ ` 56.92 H¢¶ Ü è Ú¢çࢠÜïÐíèç}¢²}¢ S¢æx¢íã Üï S¢¢‰¢ ‘xHïçÇ»ÅS¢ü’ x¢íéÐ Üï ¼ã¼ ç±Á¢ï¼¢ Ú㢠¥¢ñÚ±HS¢¢ÇG ÿ¢ï~¢ ‘xHïçÇ»ÅS¢ü’ x¢íéÐ Üï ¼ã¼ ` 53.31 H¢¶ Ü è Ú¢çࢠÜïÐíèç}¢² S¢æx¢íã Üï S¢¢‰¢ ÚÝÚ ¥Ð Ú㢠J

3) Ðíç¼ à¢¢¶¢ ` 5 H¢¶ ¥¢ñÚ ¥ç{Ü Ú¢çà¢ Ü ¢ Ðíèç}¢²}¢ S¢æx¢íãÜ ÚÝï±¢Hè -10- S¢Ï¢S¢ï }¢ãy±Ðꇢü ࢢ¶¢¥¢ïæ Üï S¢¢‰¢ Üé H -145-

ࢢ¶¢¥¢ïæ (59%) Ýï “Ï¢ÇG¢ñ΢ ¥¢Ú¥¢ÚÏ¢è çÐíç}¢²Ú Hèx¢ S¢èÁ¢ÝII” ¥ç|¢²¢Ý }¢ï´ |¢¢x¢ çH²¢ JÏ¢ñ´Ü Ýï Ü ¢òТïüÚïÅ »Á¢ï´Å Üï MÐ }¢ï´ x¢ñÚ-Á¢è±ÝÏ¢è}¢¢ ò±S¢¢² Ü ÚÝï ÜïçH» §È Ü ¢ï Å¢ïv²¢ï Á¢ÝÚH §æಢïÚï´S¢ Üæ ÐÝè çHç}¢ÅïÇ Üï S¢¢‰¢Å¢§ü¥Ð çÜ ²¢ ãñ ¥¢ñÚ §S¢ 籜¢è² ±¯ü ²¢çÝ 2018-19 Üï ΢ñÚ¢Ý L.83.45 H¢¶ Ü ¢ Ðíèç}¢²}¢ S¢æx¢íã çÜ ²¢ ¥¢ñÚ ` 9.64 H¢¶ Ü ¢Ü }¢èà¢Ý Ðí¢# çÜ ²¢ J

40. ÐêæÁ¢è в¢ü#¼¢ :|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü S¢ï Ðí¢# }¢¢x¢üÎà¢üÝ Üï ¥ÝéS¢¢Ú çÎÝ¢æÜ 31-03-

2019 Ü ¢ï Ï¢ñ´Ü Ü ¢ ÐêæÁ¢è в¢ü#¼¢ ¥ÝéТ¼ 09.68% Ú㢠J41. Á¢}¢¢¥¢ïæ »±æ ¥çx¢í}¢¢ï´ ÐÚ Ï²¢Á¢ ÎÚï´ :

çÎÝ¢æÜ 31-3-2019 Ü ¢ï ç}¢²¢Îè Á¢}¢¢Ú¢çࢲ¢ï´ ÐÚ Ï²¢Á¢ Ü è ÎÚï´4.50% S¢ï 6.60% Üï Ï¢èÓ¢ Úãè J Ï¢ñ´Ü çÈ vS¢ Á¢}¢¢¥¢ïæ ÐÚ ±çÚD Ý¢x¢çÚÜ ¢ï´ Ü ¢ï 0.50%, SÅ¢È S¢ÎS²¢ï´ Ü ¢ï 1% ¼‰¢¢ ±çÚD Ý¢x¢çÚÜSÅ¢È S¢ÎS²¢ï´ Ü ¢ï 1.50% Ü ¢Çü ÎÚ S¢ï ªÐÚ ¥ç¼çÚQ ϲ¢Á¢|¢éx¢¼¢Ý çÜ ²¢ x¢²¢ J

Baroda RRB Champions Trophy Result

1.50 1.72 114.69%

Hÿ² (Ü Ú¢ïÇG)Target (Cr.)

Ðí¢ç# (Ü Ú¢ïÇG)Achievement (Cr.)

Hÿ² ç±Lh Ðí¢ç#Target Vs Achievement

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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42. Establishment FLCC:

As per Reserve Bank of India guidelines, Bank hasopened Six FLCCs at Lunawada (Panchmahal),Zalod (Dahod), Songadh(Tapi), Vansda (Navsari),Dharampur (Valsad) and Chhotaudepur(Chhotaudepur). These FLCCs have beensponsored by NABARD and utilized Grant of` 25.00 lac (Rupees twenty five lac only) underFinancial Inclusion Funder (FIF) for setting up of -6-FLCC have been sanctioned and provided byNABARD.

43. MoU Signed by the Bank:

Bank has executed several MoUs with followinginstitutions / agencies to boost up business as wellas profitability of the Bank.

- Amul Daily for financing MilchAnimals

- Panchmahal Dairy for financing MilchAnimals

- National Housing Bank

- National Safai Karmachari Finance DevelopmentCorporation (NSKFDC) to provide finance tobeneficiaries of Safai Kamdar at cheaper Rate ofInterest

- M/s Piaggio Vehicles Private Ltd.( PVPL)

44. Aadhar Enrolment Centres:

Vide Gazette notification no. 284 dated 14th July2017, it was advised to set up Aadhaar enrollmentand update facility in bank’s premise for customers who are not enrolled for Aadhaar or customers whorequire updation. As per the criteria of minimum 1out of every 10 branches we have started 27 Aadharenrolment centres in our branches.

45. Disclosures for Balance Sheet:

Inter Bank Participation:

Bank has not entered in to Inter Bank Participation(IBPC) arrangement in the Financial Year 2018-19.

Priority Sector Lending Certificate:

Bank has Sold SF/MF Agriculture Priority SectorAdvances of `. 250.00 Crore under PSLC Schemeand traded through CBS Portal (e-kuber) of ReserveBank of India on 09.08.2018 `.50.00 crore @ 0.90%p.a. than after on 20.08.2018 `. 50.00 crore @0.88% p.a. ,than after on 29.08.2018 `. 50.00 crore@ 0.88% p.a. than after on 27.09.2018 ` 25.00crore @ 1.13% p.a., than after on 28.09.2018Rs.25.00 crore @ 1.15% p.a. than after on31.12.2018 @ 0.99% p.a. and on 31.12.2018Rs.25.00 crore @ 1.00% p.a. for the period from01.04.2018 to 31.03.2019. Bank has received feesof Rs. 239.75 lakh.

42. 籜¢è² S¢¢ÿ¢Ú¼¢ »±æ «‡¢ ÐÚ¢}¢à¢ü Üï ‹Îí (»È »HS¢èS¢è) Ü èS‰¢¢ÐÝ¢ :|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üï çÎࢢçÝÎïüà¢¢ï´ Üï ¥ÝéS¢¢Ú Ï¢ñ´Ü Ýï HêÝ¢±¢Ç¢(ÐæÓ¢}¢ã¢H), Á¢¢H¢ïÎ (΢ã¢ïÎ), S¢¢ïÝx¢ÉG (¼¢Ðè), ±¢æS¢Î¢(ݱS¢¢Úè), {Ú}¢ÐéÚ (±HS¢¢Ç) »±æ À¢ïÅ¢ ©ÎïÐéÚ (À¢ïÅ¢ ©ÎïÐéÚ) }¢ï´6 »È »HS¢èS¢è ¶¢ïHï ãñ´ J ²ï »È »HS¢èS¢è ݢϢ¢Çü m¢Ú¢ Ðí¢²¢ïçÁ¢¼ ãñ´,¥¢ñÚ 6 »È »HS¢èS¢è Ü è S‰¢¢ÐÝ¢ Üï çH» 籜¢è² S¢}¢¢±ïà¢Ý Èæ Ç(»È ¥¢§ü»È ) Üï ¼ã¼ ` 25 H¢¶ Üï ¥ÝéÎ¢Ý Ü ¢ ©Ð²¢ïx¢ çÜ ²¢ x¢²¢ ãñ çÁ¢‹ãï´ Ý¢Ï¢¢Çü m¢Ú¢ ¥Ýé}¢¢ïçμ ¥¢ñÚ ÐíÎ¢Ý çÜ ²¢ x¢²¢ ãñ J

43. Ï¢ñ´Ü m¢Ú¢ çÜ » x¢» S¢}¢Û¢¢ñ¼ï ¿¢¢ÐÝ :Ï¢ñ´Ü Ýï ò±S¢¢² Ü ¢ï Ï¢ÉG¢±¢ ÎïÝï Üï S¢¢‰¢-S¢¢‰¢ Ï¢ñ´Ü Ü è H¢|¢Ðíμ¢ Ü ¢ïÏ¢ÉG¢Ýï Üï çH» çÝ}ÝçH綼 S¢æS‰¢¢Ý¢ï´/»Á¢ï´çS¢²¢ï´ Üï S¢¢‰¢ Ü §üS¢}¢Û¢¢ñ¼¢ ¿¢¢ÐÝ¢ï´ Ü ¢ï çÝcТçμ çÜ ²¢ ãñ J

- ¥}¢êH ÇïÚè Üï S¢¢‰¢ Îé{¢M Ðà¢é¥¢ïæ Üï çH» 籜¢Ð¢ï¯‡¢- ÐæÓ¢}¢ã¢H ÇïÚè Üï S¢¢‰¢ Îé{¢M Ðà¢éÜ ¢ï´ Üï çH» 籜¢Ð¢ï¯‡¢- Ýïà¢ÝH 㢩ôS¢x¢ Ï¢ñ´Ü- Ú¢cÅîè² S¢È ¢§ü Ü }¢üÓ¢¢Úè 籜¢ ç±Ü ¢S¢ S¢æx¢ÆÝ Üï S¢¢‰¢ S¢È ¢§ü Ü ¢}¢Î¢Ú

Üï H¢|¢¢<‰¢²¢ï´ Ü ¢ï S¢S¼è ϲ¢Á¢ ÎÚ ÐÚ ç±œ¢Ð¢ï¯‡¢ ©ÐHÏ{ Ü Ú¢Ýï ÜïçH»

- }¢ï. çв¢çÁ¢¥¢ï çÃãÜ ËS¢ Ðí¢. Hè. (Ðè±èÐè»H)44. ¥¢{¢Ú Ý¢}¢¢æÜ Ý Üï ‹Îí

14 Á¢éH¢§ü 2017 Üï Ú¢Á¢Ð~¢ ¥ç{S¢êӢݢ S¢æw²¢ 284 Üï }¢¢Š²}¢ S¢ï²ã S¢H¢ã Îè x¢§ü ‰¢è çÜ »ïS¢ï x¢í¢ãÜ çÁ¢ÝÜ ¢ ¥¢{¢Ú Ý¢}¢¢æÜ Ý ¥‰¢±¢¥¢{¢Ú ¥l¼Ý ¥|¢è Ï¢¢Ü è ãñ ©Ý x¢í¢ãÜ ¢ï´ Üï çH» Ï¢ñ´Ü ÐçÚS¢Ú }¢ï´ ¥¢{¢Ú Ý¢}¢¢æÜ Ý Üï ‹Îí Hx¢¢»æ Á¢¢»æ J Ðíy²ïÜ 10 ࢢ¶¢¥¢ïæ }¢ï´ S¢ï 1ࢢ¶¢ }¢ï´ ¥¢{¢Ú Ý¢}¢¢æÜ Ý Üï ‹Îí ¶¢ïHÝï Üï çݲ}¢¢ÝéS¢¢Ú ã}¢Ýï 27

ࢢ¶¢¥¢ïæ }¢ï´ ¥¢{¢Ú Ý¢}¢¢æÜ Ý Üï ‹Îí Ó¢¢Hê Ü Ú çλ ãñ´ J45. ¼éHÝÐ~¢ Ü ¢ SÐCèÜ Ú‡¢

¥æ¼Ú Ï¢ñ´Ü |¢¢x¢è΢Úè : 籜¢è² ±¯ü 2018-19 }¢ï´ Ï¢ñ´Ü Ýï ¥æ¼Ú Ï¢ñ´Ü|¢¢x¢è΢Úè (¥¢§üÏ¢èÐèS¢è) ò±S‰¢¢ }¢ï´ Ðí±ïࢠÝãè´ çÜ ²¢ JÐí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ «‡¢ Ðí}¢¢‡¢Ð~¢ :Ï¢ñ´Ü Ýï Ðè»S¢»HS¢è ²¢ïÁ¢Ý¢ Üï ¼ã¼ ` 250 Ü Ú¢ïÇG Lвï Üï Üë ç¯Ðí¢‰¢ç}¢Ü ¼¢ «‡¢ ÿ¢ï~¢ Üï À¢ïÅïG/}¢Š²}¢ 籜¢ Ü ¢ï Ï¢ïÓ¢ çβ¢ ãñ »±æ çÚÁ¢±üÏ¢ñ´Ü ¥¢òÈ §æçDz¢ Üï S¢èÏ¢è»S¢ ТïÅüH (§ü-Üé Ï¢ïÚ) Üï }¢¢Š²}¢ S¢ï 9-8-

2018 Ü ¢ï 0.90% Ðíç¼±¯ü Ü è ÎÚ S¢ï ` 50 Ü Ú¢ïÇG Lвï, 20-8-

2018 Ü ¢ï 0.88% Ü è ÎÚ S¢ï ` 50 Ü Ú¢ïÇG Lвï, 29-8-2018 Ü ¢ï0.88% Ðíç¼ ±¯ü Ü è ÎÚ S¢ï ` 50 Ü Ú¢ïÇG Lвï, 27-9-2018 Ü ¢ï1.13% Ðíç¼±¯ü Ü è ÎÚ S¢ï ` 25 Ü Ú¢ïÇ Lвï, 28-9-2018 Ü ¢ï 1.15% Ðíç¼±¯ü Ü è ÎÚ S¢ï ` 25 Ü Ú¢ïÇ Lвï, 31-12-2018 Ü ¢ï0.99% Ðíç¼±¯ü Ü è ÎÚ S¢ï ` 25 Ü Ú¢ïÇG LÐ²ï ¥¢ñÚ 1% Ðíç¼±¯ü Ü èÎÚ S¢ ï ` 25 Ü Ú¢ ïÇ G Lвï Ü ¢ Ü ¢Ú¢ ïÏ¢¢Ú çÜ ²¢ ã ñ J Ï¢ ñ ´Ü Ü ¢ ï` 239.75 H¢¶ Lвï Ü è È èS¢ Ð í ¢# ã é§ ü ã ñ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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However, after subtract of SF/MFAgriculture PrioritySector advances of ` 250.00 Crore, Bank hasachieved mandatory requirement of 75% PrioritySector, 18% Agriculture and 8% SF/MF on eachquarter for the year 2018-19.

Acknowledgement:

The Board conveys sincere gratefulness to theGovernment of India, Government of Gujarat,Reserve Bank of India, National Bank forAgricultureand Rural Development and Bank of Baroda for theirvaluable guidance and support.

The Board also expresses special gratitude to –

• Chairman, Bank of Baroda

• Managing Director & CEO , Bank of Baroda

• Executive Directors, Bank of Baroda

• Regional Director, Reserve Bank of India,Ahmedabad

• Chief General Manager, NABARD,Ahmedabad

• General Manager (DCBS), Reserve Bank of India,Ahmedabad

• General Manager (Rural & Agri. Banking), Bank ofBaroda, Mumbai

• General Manager (Financial Inclusion), Bank ofBaroda, Mumbai

• General Manager (IT), Bank of Baroda,Mumbai

• General Manager (Vigilance),Bank of Baroda,Mumbai

• General Manager (Treasury), Bank of Baroda,Mumbai

• General Manager (Baroda Zone), Bank of Baroda,Vadodara

• General Manager (Ahmedabad Zone), Bank ofBaroda,Ahmedabad

• SLBC convener Dena Bank,Ahmedabad

• BOB Cards Ltd.

• Hon’ble District Collectors of all -14- districts of areaof operation of the Bank

• District Development Officers & Director, DRDA ofall -14- districts of area of operation of the Bank

• Team of BOB RRB Data Centre, Mumbai

• LDMs of BOB & DDMs of NABARD of all -14-districts of area of operation of the Bank

• BIRD Lucknow & Mangalore, NIBM, Pune & CAB,RBI, Pune

• Principal, BarodaApexAcademy, Gandhinagar

ã¢H¢ æçÜ , Ü ë ç¯ Ðí¢‰¢ç}¢Ü ¼¢ «‡¢ ÿ¢ ï ~ ¢ }¢ ï ´ S¢ êÿ}¢/}¢Š²}¢ç±œ¢ }¢ ï ´ ` 250 Ü Ú¢ïÇG Lвï Í¢ÅÝï Üï Ï¢¢Î, Ï¢ñ´Ü Ýï ±¯ü 2018-19

Üï çH» Ðíy²ïÜ ç¼}¢¢ãè }¢ï´ 75% Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢, 18% Üë ç¯ ÿ¢ï~¢»±æ 8% À¢ïÅï/}¢Š²}¢ 籜¢ Ü è ¥çݱ¢²ü ¥¢±à²Ü ¼¢ Ðí¢# Ü Ú Hè ãñJ

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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In the meanwhile the Board also acknowledged andexpress the sincere thanks to Central StatutoryAuditors K C Mehta & Co., Vadodara alongwithother Statutory Branch Auditors as well asConcurrent Auditors for their whole hearted supportfor strengthening quality of our Balance sheet.

The Board places on record appreciation withthanks for continued support and patronagereceived from Customers and well-wishers.

The Board noted with appreciation the concertedefforts put in by each and every member of the staffof the bank and their positive attitude to change withthe time.

Place : Bharuch, GujaratDate : June 18, 2019

For & on behalf of Board of DirectorsSd/-

(Vineet K. Dudeja)Chairman

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ã}¢ ¥‹² }¢¢}¢H¢ï´ Üï ¥H¢±¢ HﶢÐÚèÿ¢‡¢ Ü è ²¢ïÁ¢Ý¢Ï¢h S¢æ|¢¢±Ý¢ ¥¢ñÚ S¢}¢² ¼‰¢¢ }¢ãy±Ðꇢü HﶢÐÚèÿ¢‡¢ çÝcÜ ¯¢ïZ Üï S¢¢‰¢ ¥¢æ¼çÚÜçݲæ~¢‡¢ }¢ï´ çÜ S¢è |¢è }¢ãy±Ðꇢü Ü ç}¢²¢ï´ Ü ¢ï ࢢç}¢H Ü Ú¼ï ãñ´, çÁ¢S¢ï ã}¢ ¥ÐÝï HﶢÐÚèÿ¢‡¢ Üï ΢ñÚ¢Ý ÐãÓ¢¢Ý¼ï ãñ´ Jã}¢ ÐíࢢS¢Ü ¢ï´ Ü ¢ï »Ü ç±±Ú‡¢è |¢è ÐíÎ¢Ý Ü Ú¼ï ãñ´ Ü è, ã}¢Ýï S±¼æ~¢¼¢ Üï S¢æÏ¢æ{ }¢ï´ Ðí¢S¢æçx¢Ü Ýñç¼Ü ¥¢±à²Ü ¼¢¥¢ïæ Ü ¢ ¥ÝéТHÝ çÜ ²¢ ãñ¥¢ñÚ S¢|¢è S¢æÏ¢æ{ ¥¢ñÚ ¥‹² }¢¢}¢Hï´ ¥¢ñÚ Á¢ã¢æ H¢x¢ê ã¢ï, S¢æÏ¢æç{¼ S¢éÚÿ¢¢ ©Ð¢², Á¢¢ï ã}¢¢Úè S±¼æ~¢¼¢ ÐÚ ©çÓ¢¼ MÐ S¢ï Ðí|¢¢± Ç¢H S¢Ü ¼ï ãñ´, ÜïÏ¢¢Úï }¢ï´ S¢æ±¢Î Ü Ú¼ï ãñ´ J

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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Üë ¼ï Üï . S¢è. }¢ïã¼¢ »‹Ç Üæ ÐÝèS¢ÝÎè Hï¶¢Ü ¢Ú

ÈG }¢ü ÐæÁ¢èÜ Ú‡¢ S¢æ. : 106237W

-ã/- ç±à¢¢H ΢ïà¢è

|¢¢x¢è΢ÚS¢ÎS²¼¢ S¢æ. 101533

çÎÝ¢æÜ : 18 Á¢êÝ, 2019

S‰¢¢Ý : |¢LÓ¢

ã}¢ ÐíࢢS¢Ü ¢ï´ Ü ¢ï S¢æÐíï篼 }¢¢}¢H¢ï´ Üï m¢Ú¢, ã}¢ ©Ý }¢ég¢ï´ Ü ¢ï çÝ{¢üÚè¼ Ü Ú¼ï ãñ´, Á¢¢ï }¢¢ñÁ¢ê΢ ¥±ç{ Üï 籜¢è² ç±±Ú‡¢¢ï´ Üï Hﶢ ÐÚèÿ¢‡¢ }¢ï´S¢Ï¢S¢ï ¥ç{Ü }¢ãy±Ðꇢü ‰¢ï ¥¢ñÚ §S¢çH» ±ï´ Ðí}¢é¶ HﶢÐÚèÿ¢‡¢ }¢¢}¢Hï ãñ´ J ã}¢ ¥ÐÝè Hﶢ ÐÚèÿ¢Ü çÚТïÅü }¢ï´ §Ý }¢¢}¢H¢ï´ Ü ¢ ±‡¢üÝ Ü Ú¼ï ãñ´- Á¢Ï¢ ¼Ü Ü è Ü ¢ÝêÝ ²¢ ç±çݲ}¢Ý §S¢ }¢¢}¢Hï´ }¢ï´ S¢¢±üÁ¢çÝÜ ÐíÜ ÅèÜ Ú‡¢ Ýãè´ Ü Ú¼¢ ãñ ²¢ Á¢Ï¢ ¥y²æ¼ ÎéHü|¢ ÐçÚçS‰¢ç¼²¢ï´ }¢ï´, ã}¢ ²ãçÝ{¢üÚè¼ Ü Ú¼ï ãñ´ Ü è ã}¢¢Úè çÚТïÅü }¢ï´ çÜ S¢è }¢¢}¢Hï´ Ü ¢ï S¢êçÓ¢¼ Ýãè´ çÜ ²¢ Á¢¢Ý¢ Ó¢¢çã» v²¢ï´Ü è »ïS¢¢ Ü ÚÝï Üï ÎécÐçÚ‡¢¢}¢ §S¢ ÐíÜ ¢Ú Üï S¢êÓ¢ÝÜï Ü ¢Ú‡¢ S¢¢±üÁ¢çÝÜ çã¼ H¢|¢¢ï´ ¥ç¼|¢¢çÚ¼ ã¢ï´x¢ï´ J

¥‹² }¢¢}¢Hï´ :

ã}¢Ýï´ Ï¢ñ´Ü Üï SÅñ´Ç ¥H¢ïÝ ç±œ¢è² ç±±Ú‡¢è²¢ï´ }¢ï´ ࢢç}¢H 130 ࢢ¶¢¥¢ïæ Üï 籜¢è² ç±±Ú‡¢¢ï´ / S¢êӢݢ¥¢ïæ Ü ¢ Hﶢ ÐÚèÿ¢‡¢ Ýãè´ çÜ ²¢ ãñ,çÁ¢ÝÜ ç±œ¢è² ç±±Ú‡¢ / ç±¼¼ï S¢êӢݢ»¡ 31 }¢¢Ó¢ü 2019 Ü ¢ï ` 92560.91 H¢¶ Üï Üé H ¥çx¢í}¢ ¥¢ñÚ ©S¢ ¼¢Úè¶ Ü ¢ï ` 8150.22 H¢¶Üï Üé H Ú¢Á¢S± Ü ¢ï Îࢢü¼ï´ ãñ´, Á¢ñS¢¢ Ü è SÅñ´Ç ¥H¢ïÝ ç±œ¢è² ç±±Ú‡¢¢ï´ }¢ï´ }¢¢Ý¢ Á¢¢¼¢ ãñ, §Ý ࢢ¶¢¥¢ïæ Üï 籜¢è² ç±±Ú‡¢¢ï´/S¢êӢݢ¥¢ïæ Ü ¢ Hﶢ-Á¢¢ï¶¢ ࢢ¶¢ Hﶢ ÐÚèÿ¢Ü ¢ï´ m¢Ú¢ çÜ ²¢ x¢²¢ ãñ, çÁ¢ÝÜ è çÚТïÅü ã}¢ï´ ÐíÎ¢Ý Ü è x¢§ü ãñ´, ¥¢ñÚ ã}¢¢Úè Ú¢² }¢ï´ Á¢ã¢æ ¼Ü ²ã ࢢ¶¢¥¢ïæ Üï S¢æÏ¢æ{ }¢ï´à¢¢ç}¢H Ú¢çࢲ¢ï´ ¥¢ñÚ ¶éH¢S¢¢ï´ S¢ï S¢æÏ¢æç{¼ ãñ, ÐêÚè ¼Úã S¢ï »ïS¢ï ࢢ¶¢ Hﶢ ÐÚèÿ¢Ü ¢ï´ Ü è çÚТïÅü ÐÚ ¥¢{¢çÚ¼ ãñ J§S¢ }¢¢}¢Hï´ }¢ï´ ã}¢¢Úè Ú¢² S¢æࢢïç{¼ Ýãè´ ãñ J

¥‹² Ü ¢ÝêÝè ¥¢ñÚ çÝ}¢²Ü ¥¢±à²Ü ¼¢¥¢ïæ ÐÚ çÚТïÅü :

5. ¼éHÝ-Ð~¢ ¥¢ñÚ H¢|¢-ã¢çÝ ¶¢¼ï´, Ï¢ñ´ôÜ x¢ ç±çݲ}¢Ý ¥ç{çݲ}¢, 1949 Ü è {¢Ú¢ 29 Üï ¥ÝéS¢¢Ú ¼ñ²¢Ú çÜ ²¢ x¢²¢ ãñ J6. ©ÐÚ¢ïQ ÐñÚ¢x¢í¢È 5 S¢ï 7 }¢ï´ §æçx¢¼ Hﶢ ÐÚèÿ¢‡¢ Ü è S¢è}¢¢¥¢ïæ Üï ¥{èÝ ¥¢ñÚ Ï¢ñ´ôÜ x¢ Üæ Ðçݲ¢ï´ (©ÐR }¢¢ï´ Üï ¥ç{x¢í㇢ ¥¢ñÚ ãS¼¢æ¼Ú‡¢)

¥ç{çݲ}¢, 1970/1980 Üï ¥ÝéS¢¢Ú ¥¢±à²Ü ãñ´ ¥¢ñÚ ©S¢}¢ï´ ¥¢±à²Ü ÐíÜ ÅèÜ Ú‡¢ Ü è S¢è}¢¢¥¢ïæ Üï ¥{èÝ ãñ, ã}¢ çÚТïÅü Ü Ú¼ï ãñ´ çÜ :(1) ã}¢Ýï ¥ÐÝï ¥ç{Ü ¼}¢ ¿¢¢Ý »±æ ç±E¢S¢ Üï ¥ÝéS¢¢Ú Hﶢ-ÐÚèÿ¢¢ ãï¼é ¥¢±à²Ü S¢|¢è Á¢¢ÝÜ ¢Úè ¼‰¢¢ SÐCèÜ Ú‡¢ Ðí¢# çÜ ²ï ãñ´ ¼‰¢¢

©‹ãï´ S¢æ¼¢ï¯Á¢ÝÜ Ð¢²¢ ãñ J(2) Ï¢ñ´Ü Üï S¢æò±ã¢Ú¢ï´ Ü è Á¢¢ï Á¢¢ÝÜ ¢Úè ã}¢¢Úï S¢¢}¢Ýï ¥¢²è ãñ, ±ï Ï¢ñ´Ü Üï ¥ç{Ü ¢Ú ÿ¢ï~¢ Üï ¥æ¼x¢ü¼ ãè ¥¢¼ï ãñ´ J(3) Ï¢ñ´Ü ࢢ¶¢¥¢ïæ S¢ï Ðí¢# ç±±Ú燢²¢æ Hﶢ-ÐÚèÿ¢¢ ãï¼é S¢¢}¢¢‹²¼: в¢üŒ¼ Т§ü x¢²è ãñæ J

7. ã}¢ ²ã |¢è çÚТïÅü Ü Ú¼ï´ ãñ´ çÜ :1) ã}¢¢Úè Ú¢² }¢ï´, ã}¢¢Úï m¢Ú¢ ¥|¢è ¼Ü çÜ » x¢» ¶¢¼¢-Ï¢çã²¢ïæ Üï ÐÚèÿ¢‡¢ Üï ¥ÝéS¢¢Ú Ï¢ñ´Ü m¢Ú¢ Ü ¢ÝêÝ Üï }¢é¼¢çÏ¢¼ ©çÓ¢¼ ¶¢¼¢-Ï¢ãè

Ú¶è x¢²è ãñ ¥¢ñÚ ã}¢¢Úï Hﶢ ÐÚèÿ¢‡¢ Üï Ðí²¢ïÁ¢Ý¢ï´ Üï çH», в¢ü# ©çÓ¢¼ çÚÅÝü ã}¢¢Úï m¢Ú¢ ΢ñÚ¢ Ýãè´ Ü è x¢§ü ࢢ¶¢¥¢ïæ S¢ï Ðí¢# çÜ ²¢x¢²¢ ãñ J

2) §S¢ çÚТïÅü }¢ï´ ©Ìï綼 ¼éHÝÐ~¢, H¢|¢ ã¢çÝ ¶¢¼ï´ ¼‰¢¢ ÝÜ Î Ðí±¢ã ç±±Ú‡¢ ¶¢¼¢-Ï¢çã²¢ï´ Üï ¥ÝéS¢¢Ú »±æ ã}¢¢Úï m¢Ú¢ ΢ñÚ¢ Ýãè´ Ü èx¢²è ࢢ¶¢¥¢ïæ S¢ï Ðí¢# ç±±Ú燢²¢ï´ Üï ¥ÝéS¢¢Ú ãñ´ J

3) ࢢ¶¢ Hﶢ ÐçÚÿ¢Ü ¢ï´ m¢Ú¢ Ï¢ñ´ôÜ x¢ Úïx²éHïà¢Ý »vÅ, 1949 Üï ¥æ¼x¢ü¼ Hﶢ ÐÚèÿ¢‡¢ Ü è x¢²è ࢢ¶¢ Ü ¢²¢üH²¢ï´ Üï ¶¢¼¢ï´ Ü è çÚТïÅüã}¢ï´ |¢ïÁ¢ Îè x¢²è ãñ »±æ ²ã çÚТïÅü Ϣݢ¼ï S¢}¢² ã}¢¢Úï m¢Ú¢ ©‹ãï´ Îï¶ çH²¢ x¢²¢ ãñ ¥¢ñÚ

4) ã}¢¢Úè Ú¢² }¢ï´, ¼éHÝÐ~¢, H¢|¢-ã¢çÝ ¶¢¼ï ¼‰¢¢ ÝÜ Îè Ðí±¢ã ç±±Ú‡¢, çÁ¢S¢ S¢è}¢¢ ¼Ü Ü è ±ï ݢϢ¢Çü ¥¢ñÚ ¥¢ÚϢ襢§ü m¢Ú¢ çÝ{¢üçÚ¼HﶢæÜ Ý Ýèç¼²¢ï´ Üï S¢¢‰¢ ¥S¢æx¢¼ Ýãè´ ãñ´, ©Ð²éüQ Hﶢ ÐÚèÿ¢‡¢ }¢¢ÝÜ ¢ï´ Ü ¢ ¥ÝéТHÝ Ü Ú¼è ãñ´ J

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Auditor's Report

To,The MembersBaroda Gujarat Gramin BankBharuch

IndependentAuditor’s Report

To the Members of Baroda Gujarat Gramin Bank

Report onAudit of the Standalone Financial Statements Opinion

1. We have audited the standalone financial statements of Baroda Gujarat Gramin Bank (‘the Bank’), which comprisethe Balance Sheet as at 31 March 2019, the Statement of Profit and Loss and the Statement of Cash Flows for theyear then ended, and notes to financial statements including a summary of significant accounting policies andother explanatory information in which are included returns for the year ended on that date of 23 branches auditedby us and 130 branches audited by statutory branch auditors. The branches audited by us and those audited byother auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by theReserve Bank of India. Also included in the Balance Sheet, the Statement of Profit and Loss and Statement ofCash Flows are the returns from 93 branches which have not been subjected to audit. These unaudited branchesaccount for 22.88 percent of advances, 30.66 per cent of deposits, 23.13 per cent of interest income and 29.86 percent of interest expenses.

In our opinion and to the best of our information and according to the explanations given to us, except for the effectsof the matter described in the Basis for Qualified Opinion paragraph, the aforesaid standalone financial statementsgive the information required by the Regional Rural Bank Act 1976 and Banking Regulation Act, 1949 in themanner so required and give a true and fair view in conformity with the accounting principles generally accepted inIndia:

a. in the case of the Balance Sheet, of the state of affairs of the Bank as at March 31, 2019; and

b. in the case of the Profit and LossAccount, of the profit for the year ended on that date.

c. true and fair view in case of statement of cash flows for the year ended on that date.

Basis for Opinion

2. We conducted our audit in accordance with the Standards on Auditing (SAs) issued by ICAI. Our responsibilitiesunder those Standards are further described in the Auditor’s Responsibilities for the Audit of the FinancialStatements section of our report. We are independent of the Bank in accordance with the code of ethics issued bythe Institute of Chartered Accountants of India together with ethical requirements that are relevant to our audit ofthe financial statements in [jurisdiction], and we have fulfilled our other ethical responsibilities in accordance withthese requirements and the code of ethics.

Basis for Qualified Opinion

1. The Bank has not provided for post-employment defined benefit plan (Employee Pension) and post-employmentcontribution plan in accordance with Accounting Standard (AS) 15 on Employees benefit, as specified in theCompanies (Acconting Standard) rule, 2006. The bank has relied on the RBI circularDBOD.No.BP.BC.80/21.04.018/2010-11 dated February 9, 2011 for providing only 20% of the actuarial valuationof the liability. The impact on the Financial Statement as per actuarial valuation will be ` 1,33,29,31,109 for theamount not provided.

Responsibilities of Management and Those Charged with Governance for the Standalone Financial Statements

3. The Bank’s Board of Directors is responsible with respect to the preparation of these standalone financialstatements that give a true and fair view of the financial position, financial performance and cash flows of the Bankin accordance with the accounting principles generally accepted in India, including the Accounting Standards

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issued by ICAI, and provisions of Regional Rural Bank Act 1976, Section 29 of the Banking Regulation Act, 1949and circulars and guidelines issued by the Reserve Bank of India (‘RBI’) and National Bank for Agriculture andDevelopment (NABARD) from time to time. This responsibility also includes maintenance of adequate accountingrecords in accordance with the provisions of the Act for safeguarding of the assets of the Bank and for preventingand detecting frauds and other irregularities; selection and application of appropriate accounting policies; makingjudgments and estimates that are reasonable and prudent; and design, implementation and maintenance ofadequate internal financial controls, that were operating effectively for ensuring the accuracy and completeness ofthe accounting records, relevant to the preparation and presentation of the financial statements that give a true andfair view and are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, management is responsible for assessing the Bank’s ability to continue as agoing concern, disclosing, as applicable, matters related to going concern and using the going concern basis ofaccounting unless management either intends to liquidate the Bank or to cease operations, or has no realisticalternative but to do.

Auditor’s Responsibilities for theAudit of the Financial Statements

4. Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free frommaterial misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion.Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordancewith SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error andare considered material if, individually or in the aggregate, they could reasonably be expected to influence theeconomic decisions of users taken on the basis of these financial statements.

As part of an audit in accordance with SAs, we exercise professional judgment and maintain professionalskepticism throughout the audit. We also:

• Identify and assess the risks of material misstatement of the financial statements, whether due to fraud orerror, design and perform audit procedures responsive to those risks, and obtain audit evidence that issufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatementresulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,intentional omissions, misrepresentations, or the override of internal control.

• Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimatesand related disclosures made by management.

• Conclude on the appropriateness of management’s use of the going concern basis of accounting and, basedon the audit evidence obtained, whether a material uncertainty exists related to events or conditions that maycast significant doubt on the bank’s ability to continue as a going concern. If we conclude that a materialuncertainty exists, we are required to draw attention in our auditor’s report to the related disclosures in thefinancial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are basedon the audit evidence obtained up to the date of our auditor’s report. However, future events or conditionsmay cause the bank to cease to continue as a going concern.

• Evaluate the overall presentation, structure and content of the financial statements, including thedisclosures, and whether the financial statements represent the underlying transactions and events in amanner that achieves fair presentation.

We communicate with those charged with governance regarding, among other matters, the planned scope andtiming of the audit and significant audit findings, including any significant deficiencies in internal control that weidentify during our audit.

We also provide those charged with governance with a statement that we have complied with relevant ethicalrequirements regarding independence, and to communicate with them all relationships and other matters that mayreasonably be thought to bear on our independence, and where applicable, related safeguards.

From the matters communicated with those charged with governance, we determine those matters that were of most significance in the audit of the financial statements of the current period and are therefore the key auditmatters. We describe these matters in our auditor’s report unless law or regulation precludes public disclosure

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Place of Signature : BHARUCHth

Date : 18 June 2019

For K. C. Mehta & Co.Chartered AccountantsFirm Regi. No, 106237W

- sd -

Vishal DoshiPartner

Membership No. 101533

about the matter or when, in extremely rare circumstances, we determine that a matter should not becommunicated in our report because the adverse consequences of doing so would reasonably be expected tooutweigh the public interest benefits of such communication.

Other Matter

We did not audit the financial statements / information of 130 branches included in the standalone financialstatements of the Bank whose financial statements / financial information reflect total advances of ` 92560.91 lakhas at 31st March 2019 and total revenue of ` 8150.22 lakh for the year ended on that date, as considered in thestandalone financial statements. The financial statements / information of these branches have been audited bythe branch auditors whose reports have been furnished to us, and in our opinion in so far as it relates to theamounts and disclosures included in respect of branches, is based solely on the report of such branch auditors.

Our opinion is not modified in respect of this matter.

Report on Other Legal and Regulatory Requirements

5. The Balance Sheet and the Profit and Loss Account have been drawn up in accordance with Section 29 of theBanking RegulationAct, 1949;

6. Subject to the limitations of the audit indicated in paragraphs 5 to 7 above and as required by the BankingCompanies (Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations ofdisclosure required therein, we report that:

a) We have obtained all the information and explanations which, to the best of our knowledge and belief, werenecessary for the purposes of our audit and have found them to be satisfactory;

b) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank; and

c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of ouraudit.

7. We further report that:

a) in our opinion, proper books of account as required by law have been kept by the Bank so far as it appears from ourexamination of those books and proper returns adequate for the purposes of our audit have been received frombranches not visited by us

b) the Balance Sheet, the Profit and Loss Account and the Statement of Cash Flows dealt with by this report are inagreement with the books of account and with the returns received from the branches not visited by us;

c) the reports on the accounts of the branch offices audited by branch auditors of the Bank under section 29 of theBanking RegulationAct, 1949 have been sent to us and have been properly dealt with by us in preparing this report;and

d) In our opinion, the Balance Sheet, the Profit and Loss Account and the Statement of Cash Flows comply with theapplicable accounting standards, to the extent they are not inconsistent with the accounting policies prescribed byNABARD and RBI.

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BALANCE SHEET AS ON 31ST MARCH 2019(` ãÁ¢¢Ú }¢ï´)

(Amt. in '000)

Ð~¢Ü ‘Ü ’31 }¢¢Ó¢ü 2019 Ü ¢ ¼éHÝ-Ð~¢

FORM "A"

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on

31/03/2018

31 2019

As on31/03/2019

}¢¢Ó¢ü Ü ¢ïÐêæÁ¢è »±æÎï²¼¢»æ

CAPITAL ANDLIABILITIES

¥ÝéS¢êçÓ¢SCHEDULE

ÐêæÁ¢èÐí¢Úçÿ¢¼ Ú¢çࢲ¢æ »±æ ¥ç{à¢ï¯Á¢}¢¢ Ú¢çࢲ¢æ©{¢Ú Hè x¢§ü Ú¢çࢲ¢æ¥‹² Îï²¼¢»æ »±æ Ðí¢±{¢Ý²¢ïx¢¥¢çS¼²¢æ

ÝÜ Î »±æ çÚÁ¢±ü Ï¢ñ´Ü Üï ТS¢ Á¢}¢¢ à¢ï¯Ï¢ñ´Ü Üï ТS¢ à¢ï¯ ¥¢ñÚ }¢¢æx¢ »±æ¥ËÐ S¢êӢݢ }¢éÎí¢çݱïࢥçx¢í}¢¥Ó¢H ¥¢çS¼²¢æ¥‹² ¥¢çS¼²¢æ²¢ïx¢

¥¢Ü çS}¢Ü Îï²¼¢»æÏ¢¢s çÏ¢H S¢æx¢í㇢}¢ãy±Ðꇢü Hﶢ Ýèç¼²¢¡Hﶢ¥¢ïæ ÐÚ çŌЇ¢è²¢¡

Capital 1 230468

Reserve and Surplus 2 1346058 1331199

Deposits 3 38661954 35780495

Borrowings 4 2552509 2830941

Other Liabilities and Provisions 5 1060879 557130

TOTAL 43851868 40730233

ASSETS

Cash and Balance with RBI 6 1651898 1519970

Balance with Bank and Money 7 8610201 10984803

at Call and Short Notice

Investment 8 13750160 10437864

Advances 9 18719269 16557496

Fixed Assets 10 67998 75499

Other Assets 11 1052342 1154601

TOTAL 43851868 40730233

Contingent Liabilities 12 212733 134552

Outward Bills Collection 364618 744530

Significant Accounting Policy 17

Notes on Accounts 18

230468

Audited

For, Baroda Gujarat Gramin Bank

sd/-(Vineet K. Dudeja)

Chairman

-sd/-(Mukesh Thakkar)

Director

-sd/-(Pradeep Srivastava)

Director

---(Sharad Kumar)

Director

-sd/-(K. V. Tulshibagwale)

Director

---(S. P. Sathaye)

Director

---(Abhishek Kumar Sinha)

DirectorDate : 18-06-2019Place : Bharuch

As per our report of even date.

For, K. C. Mehta & Co.Chartered Accountants

(FRN : 106237W)

Vishal DoshiPartner

(Membership No.. 101533)

sd/-

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

42

FORM OF PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31/03/2019(` ãÁ¢¢Ú }¢ï´)

(Amt. in '000)

Ð~¢Ü ‘¶’31 }¢¢Ó¢ü 2019 Ü ¢ï S¢}¢¢# ã¢ïÝï±¢Hè ¥±ç{ Üï çH» H¢|¢ »±æ ã¢çÝ Hﶢ

FORM "B"

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on

31/03/2018

31 2019}¢¢Ó¢ü Ü ¢ïAs on

31/03/2019¥¢² INCOME

¥ÝéS¢êçÓ¢SCHEDULE

¥<Á¢¼ ¥¢²¥‹² ¥¢²

ò²Ï²¢Á¢ ò²ÐçÚÓ¢¢HÝ Ã²²Ðí¢±{¢Ý »±æ ¥¢Ü çS}¢Ü ¼¢»¡

H¢|¢ / ã¢çÝÓ¢¢Hê ±¯ü Ü ¢ à¢éh H¢|¢/ã¢çÝH¢|¢/ã¢çÝÜé Hç±çݲ¢ïÁ¢ÝS¢¢æç±ç{Ü Ðí¢Úçÿ¢¼ çÝç{²¢ï´ }¢ï´ ¥æ¼Ú‡¢¥‹² Ðí¢Úçÿ¢¼ çÝç{²¢ï´ }¢ï´ ¥æ¼Ú‡¢S¢ÚÜ ¢Ú m¢Ú¢ ÐíS¼¢ç±¼ çÇç±Çï´Ç }¢ï´ ¥æ¼çÚ¼¼éHÝ-Ð~¢ }¢ï´ ¥x¢íïçࢼ à¢ï¯Üé H

Interest Earned 13 3260011 3034243

Other Income 14 218034 186258

3478045 3220501

EXPENDITURE

Interest expended 15 2053189 2002658

Operating expenses 16 1377185 913929

Provisions and Contingencies 32812 214585

3463186 3131172

PROFIT / LOSS

Net Profit / Loss for the year 14859 89329

Profit/(Loss) brought forward 972317 902036

TOTAL 987176 991365

APPROPRIATIONS

Transfer to Statutory Reserves 2972 19048

Transfer to Other Reserves 0 0

Transfered to Govt. / Proposed Dividend 0 0

Balance carried over to Balance Sheet

TOTAL 984204 972317

Üë ¼ï Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü

-ã/-(ç±Ýè¼ Üï . ÎéÎïÁ¢¢)

¥Š²ÿ¢

-ã/-(}¢éÜï ࢠÆP Ú)

çÝÎïà¢Ü

çÎÝ¢æÜ : 18-06-2019

S‰¢¢Ý : |¢LÓ¢

-ã/-(ÐíçÎÐ Ÿ¢è±¢S¼±)

çÝÎïà¢Ü

(à¢ÚÎ Üé }¢¢Ú)çÝÎïà¢Ü

---

-ã/-(Üï . ±è. ¼éHS¢èÏ¢¢x¢±Hï)

çÝÎïà¢Ü

---(»S¢. Ðè. S¢‰¢¢²ï)

çÝÎïà¢Ü

---(¥ç|¢¯ïÜ Üé }¢¢Ú çS¢‹ã¢)

çÝÎïà¢Ü

ã}¢¢Úè §S¢è ¼¢Úè¶ Ü è çÚТïÅü Üï ¥ÝéS¢¢Ú

Üë ¼ï Üï . S¢è. }¢ãï¼¢ »‹Ç Ü ¢éæ.S¢ÝÎè Hï¶¢Ü ¢Ú

-ã/-ç±à¢¢H ΢ïà¢è

|¢¢x¢è΢Ú

(FRN : 106237W)

(Membership No.. 101533)

Audited

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

43

For, Baroda Gujarat Gramin Banksd/-

(Vineet K. Dudeja)Chairman

-sd/-(Mukesh Thakkar)

Director

-sd/-(Pradeep Srivastava)

Director

---(Sharad Kumar)

Director

-sd/-(K. V. Tulshibagwale)

Director

---(S. P. Sathaye)

Director

---(Abhishek Kumar Sinha)

DirectorDate : 18-06-2019Place : Bharuch

As per our report of even date.

For, K. C. Mehta & Co.Chartered Accountants

(FRN : 106237W)

Vishal DoshiPartner

(Membership No.. 101533)

sd/-

CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH, 2019 (` ãÁ¢¢Ú }¢ï´)(Amt. in '000)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs at

31/03/2018

31 2019}¢¢Ó¢ü Ü ¢ïAs at

31/03/2019PARTICULARS

A. Cash Flow From Operating Activities

Net Profit before tax as per Profit & Loss Account 14,859 1,34,212

Adjusted for :

Depreciation on Fixed Assets 24,232 27,174

Provision for Standard Assets 6,000 10,000

Provision for Other Items (Net) 11,812 9,246

Profit/(Loss) on Sale of Assets (Net) 0 0

Sub Total 56,903 1,80,632

Adjusted for :(Increase) / Decrease in Investments (33,12,296) (13,75,551)(Increase) / Decrease in Advances (21,61,773) (21,09,939)(Increase) / Decrease in Other Assets 1,02,259 (1,66,355)(Increase) / Decrease in Borrowings (2,78,432) (5,83,104)(Increase) / Decrease in Deposits 28,81,459 21,02,384(Increase) / Decrease in Other liabilities and provisions 4,85,938 (42,528)

Cash Flow from Operative Activity before tax and extra ordinary items (22,25,942) (19,94,461)

Less : Income Tax 0 44,883

Net Cash Flow from Operating Activities A (22,25,942) (20,39,344)

B. Cash Flow from Investing ActivitiesPurchase / Transfer in of Fixed Assets (22,732) (28,086)Sales / Transfer out of Fixed Assets 6,001 1,476

Net Cash Flow from Investing Activities B (16,731) (26,610)

C. Cash Flow from Financing Activities

Net Cash Flow from Financing Activities C - -

Net Increase / Decrease in cash and cash equivalents A+B+C (22,42,673) (20,65,954)

Opening Balance of Cash and cash equivalents 1,25,04,774 1,45,70,728

Closing Balance of Cash and Cash equivalents 1,02,62,101 1,25,04,774

Components of Cash & Cash Equivalents

Cash & Balance with RBI 16,51,898 15,19,970

Balance with Banks and Money at Call and Short Notice 86,10,201 1,09,84,803

1,02,62,099 1,25,04,773

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

44

Üë ¼ï Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü-ã/-

(ç±Ýè¼ Üï . ÎéÎïÁ¢¢)¥Š²ÿ¢-ã/-

(}¢éÜï ࢠÆP Ú)çÝÎïà¢Ü

-ã/-(ÐíçÎÐ Ÿ¢è±¢S¼±)

çÝÎïà¢Ü---

(à¢ÚÎ Üé }¢¢Ú)çÝÎïà¢Ü

-ã/-(Üï . ±è. ¼éHS¢èÏ¢¢x¢±Hï)

çÝÎïà¢Ü---

(»S¢. Ðè. S¢‰¢¢²ï)çÝÎïà¢Ü

---(¥ç|¢¯ïÜ Üé }¢¢Ú çS¢‹ã¢)

çÝÎïà¢Ü

(` ãÁ¢¢Ú }¢ï´)(Amt. in '000)

31 2019 }¢¢Ó¢ü Ü ¢ï S¢}¢¢# ±¯ü Üï çH²ï ÝÜ Î Ðí±¢ã ç±±Ú‡¢

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on

31/03/2018

31 2019}¢¢Ó¢ü Ü ¢ïAs on

31/03/2019ç±±Ú‡¢

¥. ÐíÓ¢¢HÝ x¢ç¼ç±ç{²¢ï´ S¢ï ÝÜ Î Ðí±¢ãH¢|¢ ã¢çÝ ¶¢¼¢ï´ Üï ¥ÝéS¢¢Ú ÅñvS¢ S¢ï ÐãHï H¢|¢

S¢}¢¢²¢ïÁ¢Ý¥Ó¢H ¥¢çS¼²¢ï´ ÐÚ }¢ê˲ ãî¢S¢}¢¢ÝÜ ¥¢çS¼²¢ï´ Üï çH²ï Ðí¢±{¢Ý¥‹² ±S¼é¥¢ïæ Üï çH» Ðí¢±{¢Ý (çݱH)¥¢çS¼²¢ï´ Ü è çÏ¢R è ÐÚ H¢|¢/ã¢çÝ (çݱH)

©Ð²¢ïx¢S¢}¢¢²¢ïçÁ¢¼ (Üï çH») :çݱïࢠ}¢ï´ (±ëçh) / Ü }¢è¥çx¢í}¢¢ï´ }¢ï´ (±ëçh) / Ü }¢è¥‹² ÐçÚS¢æÐ眢²¢ï´ }¢ï´ (±ëçh) / Ü }¢è©{¢Úè }¢ï´ (±ëçh) / Ü }¢èÁ¢}¢¢ }¢ï´ (±ëçh) / Ü }¢è¥‹² ÎïÝ΢Úè²¢ï´ ¥¢ñÚ Ðí¢±{¢Ý¢ï´ }¢ï´ (±ëçh) / Ü }¢èÅñvS¢ ¥¢ñÚ ¥S¢¢{¢Ú‡¢ }¢Î¢ï´ S¢ï ÐãHï ÐíÓ¢¢HÝ x¢ç¼ç±ç{²¢ï´ S¢ï ÝÜ Î Ðí±¢ã(Ü }¢è) : ¥¢²Ü ÚÐíÓ¢¢HÝ x¢ç¼ç±ç{²¢ï´ S¢ï à¢éh ÝÜ Î Ðí±¢ã ÜÏ¢. çݱïࢠx¢ç¼ç±ç{²¢ï´ }¢ï´ ÝÜ Î Ðí±¢ã

¥Ó¢H S¢æÐ眢²¢ï´ Ü ¢ ¥æ¼ÚãS¼¢æ¼Ú‡¢ / R ²¥Ó¢H S¢æÐ眢²¢ï´ Üï Ï¢çããüS¼¢æ¼Ú‡¢ / R ²çݱïࢠx¢ç¼ç±ç{²¢ï´ }¢ï´ à¢éh ÝÜ Îè Ðí±¢ã ¶Ü . 籜¢è² x¢ç¼ç±ç{²¢ï´ S¢ï ÝÜ Îè Ðí±¢ã

籜¢è² x¢ç¼ç±ç{²¢ï´ S¢ï à¢éh ÝÜ Îè Ðí±¢ã x¢ÝÜ Î ¼‰¢¢ ÝÜ Î S¢}¢Ü ÿ¢ }¢ï´ à¢éh ±ëçh ¼‰¢¢ Ü }¢è Ü ¶ x¢ÝÜ Î ¼‰¢¢ ÝÜ Î S¢}¢Ü ÿ¢ Üï ¥¢çÎà¢ï¯ÝÜ Î ¼‰¢¢ ÝÜ Î S¢}¢Ü ÿ¢ Üï §ç¼à¢ï¯ÝÜ Î ¼‰¢¢ ÝÜ Î S¢}¢Ü ÿ¢ Üï Í¢ÅÜ :¥¢ÚϢ襢§ü Üï S¢¢‰¢ ÝÜ Î ¼‰¢¢ à¢ï¯Ï¢ñ´Ü Üï S¢¢‰¢ à¢ï¯ ¼‰¢¢ Ü ¢òH »±æ ¥ËÐ S¢êӢݢ }¢éÎí¢

14,859 1,34,212

24,232 27,174

6,000 10,000

11,812 9,246

0 0

56,903 1,80,632

(33,12,296) (13,75,551)

(21,61,773) (21,09,939)

1,02,259 (1,66,355)

(2,78,432) (5,83,104)

28,81,459 21,02,384

4,85,938 (42,528)

(22,25,942) (19,94,461)

0 44,883

(22,25,942) (20,39,344)

(22,732) (28,086)

6,001 1,476

(16,731) (26,610)

- -

+ + (22,42,673) (20,65,954)

1,25,04,774 1,45,70,728

1,02,62,101 1,25,04,774

16,51,898 15,19,970

86,10,201 1,09,84,803

1,02,62,099 1,25,04,773

ã}¢¢Úè §S¢è ¼¢Úè¶ Ü è çÚТïÅü Üï ¥ÝéS¢¢ÚÜë ¼ï Üï . S¢è. }¢ãï¼¢ »‹Ç Ü ¢éæ.

S¢ÝÎè Hï¶¢Ü ¢Ú

ã/-ç±à¢¢H ΢ïà¢è

|¢¢x¢è΢Ú

(FRN : 106237W)

(Membership No. 101533)

çÎÝ¢æÜ : 18-06-2019

S‰¢¢Ý : |¢LÓ¢

Page 51: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

45

(Amt. in '000)SCHEDULES TO BALANCE SHEET(` ãÁ¢¢Ú }¢ï´)

¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 1CAPITAL

Sr.No.

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

¥ÝéS¢êçÓ¢ : ÐêæÁ¢è

1

1. For Nationalised Bank Capital - -

(Fully Owned by Central Govt.)

2. For Banks Incorporated outside India Capital - -

a) The amount brought in by banks by - -

way of startup capital as prescribed by

RBI should be shown under this head

1994 b) Amt. of deposit kept with RBI under - -

11(2) section 11(2) of banking regulation

act, 1994

3. FOR OTHER BANKS :

10/- Autho.capital (2000000000 shares

2000000000 of ` 10/- each) (Note 18.1) 20000000 20000000

` 10/- Issued capital (23046800 shares of

23046800 ` 10/- each) (Note 18.1) 230468 230468

` 10/- Subscribed capital

23046800 of ` 10/- each) (Note 18.1) 230468 230468

` 10/- Called up capital (23046800 shares

23046800 of ` 10/- each) (Note 18.1) 230468 230468

LESS : Calls Unpaid - -

ADD : Forfeited Share - -

Total - SHARE CAPITAL 230468 230468

Ú¢cÅîè² Ï¢ñ´Ü ¢ï´ Üï çH²ï(Üï ‹Îí S¢ÚÜ ¢Ú m¢Ú¢ Ðꇢü S±¢ç}¢y±)

|¢¢Ú¼ Üï Ï¢¢ãÚ çÝx¢ç}¢¼ Ï¢ñ´Ü ÐêæÁ¢è

¥) ¥¢ÚϢ襢§ü m¢Ú¢ çÝ{¢üçÚ¼ çÜ »¥ÝéS¢¢Ú Ï¢ñ´Ü ¢ï´ m¢Ú¢ Ðí¢Úç}|¢Ü ÐêæÁ¢è ÜïLÐ }¢ï´ H¢²è x¢²è ÚÜ }¢ ²ã¢¡ Îࢢü§üÁ¢¢Ýè Ó¢¢çã»

Ï¢) Ï¢ñ´ôÜ x¢ {¢Ú¢ Üï çݲ}¢ Üï ¥æ¼x¢ü¼ çÚÁ¢±ü Ï¢ñ´Ü }¢ï´

Á¢}¢¢ Ü è x¢§ü Ú¢çà¢

¥‹² Ï¢ñ´Ü ¢ï´ Üï çH²ï

Ðí¢ç{Üë ¼ ÐêæÁ¢è ( Ðíy²ïÜ Üïà¢ï²Ú)

Á¢¢Úè ÐêæÁ¢è ( Ðíy²ïÜ Üïà¢ï²Ú)

x¢í¢ãçÜ ¼ ÐêæÁ¢è (Ðíy²ïÜ Ü ¢ à¢ï²Ú)

±¢ÐS¢ }¢¢æx¢è x¢²è ÐêæÁ¢è (Ðíy²ïÜ Ü ¢ à¢ï²Ú)

͢Ţ»æ : çÏ¢Ý |¢ÚТ§ü }¢¢æx¢

Á¢¢ïÇGï : Á¢Ï¼ çÜ » x¢» à¢ï²Ú

Üé H

`

(23046800 shares

Audited

Page 52: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

46

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 2RESERVES & SURPLUS

Sr.No.

I. STATUTORY RESERVES :

Opening Balance 272741 253693

Addition during the year 2972 19048

Deduction during the year - -

Closing balance 275713 272741

II. CAPITAL RESERVE :

Opening Balance 30041 30041

Addition during the year 0 0

Deduction during the year - -

Closing balance 30041 30041

III. REVENUE AND

OTHER RESERVES

Opening Balance 56100 56100

Addition during the year - -

Deduction during the year - -

Closing balance 56100 56100

IV. Balance of Profit

and Loss Account 984204 972317

TOTAL : 1346058 1331199

S¢¢æç±ç{Ü ¥¢Úçÿ¢¼ Ú¢çࢥ¢çÎ à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üݱ¯ü Üï ΢ñÚ¢Ý Ü Å¢ñ¼è¥æ¼ à¢ï¯Ðí¢Úçÿ¢¼ ÐêæÁ¢è¥¢çÎ à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üݱ¯ü Üï ΢ñÚ¢Ý Ü Å¢ñ¼è¥æ¼ à¢ï¯Ú¢Á¢S± »±æ ¥‹² Ðí¢Úçÿ¢¼ Ú¢çࢲ¢æ

¥¢çÎ à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üݱ¯ü Üï ΢ñÚ¢Ý Ü Å¢ñ¼è¥æ¼ à¢ï¯H¢|¢ »±æ ã¢çÝ ¶¢¼ï }¢ï´ à¢ï¯

Á¢¢ïÇ

¥ÝéS¢êçÓ¢ : Ðí¢Úçÿ¢¼ Ú¢çࢲ¢æ ¥¢ñÚ ¥ç{à¢ï¯

2 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

Page 53: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

47

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 3DEPOSIT

Sr.No.

A. I

i i From banks 34769 36918

ii ii From others 761184 1062473

II II. SAVING BANK DEPOSITS 17567857 16380671

III III. TERM DEPOSITS

1. i From banks 52616 50902

2. ii From others 20245528 18249531

I II III TOTAL I, II & III 38661954 35780495

B. 1. I Deposits of branches in India 38661954 35780495

2. II. Deposits of branches

outside India - -

TOTAL 38661954 35780495

I. DEMAND DEPOSITS}¢¢æx¢ Á¢}¢¢ Ú¢çࢲ¢æÏ¢ñ´Ü ¢ï´ S¢ï¥‹² S¢ïÏ¢Ó¢¼ Ï¢ñ´Ü Á¢}¢¢ Ú¢çࢲ¢æç}¢²¢Îè Á¢}¢¢ Ú¢çࢲ¢æÏ¢ñ´Ü ¢ï´ S¢ï¥‹² S¢ï

Üé H , »±æ |¢¢Ú¼ çS‰¢¼ ࢢ¶¢¥¢ïæ }¢ï´ Á¢}¢¢Ú¢çࢲ¢æ |¢¢Ú¼ Üï Ï¢¢ãÚ Ü è ࢢ¶¢¥¢ïæ }¢ï´Á¢}¢¢ Ú¢çࢲ¢æ

Üé H

¥ÝéS¢êçÓ¢ : Á¢}¢¢ Ú¢çࢲ¢æ

3 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 4BORROWINGS

Sr.No.

I. BORROWINGS IN INDIA

i i. Reserve Bank of India - -

ii ii. Other banks 3866 226432

iii iii. Other Institutions andAgencies 2548643 2604509

II. II. BORROWINGSOUTSIDE INDIA - -TOTAL I & II 2552509 2830941

I.

I & II

|¢¢Ú¼ }¢ï´ ©{¢Ú Hè x¢§ü Ú¢çࢲ¢æ |¢¢Ú¼è² ÚèÁ¢±ü Ï¢ñ´Ü ¥‹² Ï¢ñ´Ü ¥‹² S¢æS‰¢¢Ý »±æ »Á¢ï´S¢èÁ¢

|¢¢Ú¼ S¢ï Ï¢¢ãÚ ©{¢Ú Hè x¢§ü Ú¢çࢲ¢æ

Üé H

¥ÝéS¢êçÓ¢ : ©{¢Ú Hè x¢§ü Ú¢çࢲ¢æ

4 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 5OTHER LIABILITIES & PROVISIONS

Sr.No.

i. Bills Payable - -

ii. ii. Inter office adjustment (net) 73374 -

iii. iii. Interest accured 179189 168914

iv. iv. Others (including provisions ) 808316 388216

TOTAL 1060879 557130

i. Îï² çÏ¢H¥æ¼Ú Ü ¢. S¢}¢¢²¢ïÁ¢Ý }¢éw² Ü ¢. ¶¢¼¢ (çݱH)©ÐçÓ¢¼ ϲ¢Á¢¥‹² (Ðí¢±{¢Ý S¢çã¼)

Üé H

¥ÝéS¢êçÓ¢ : ¥‹² Îï²¼¢»æ »±æ Ðí¢±{¢Ý

5 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

Page 54: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

48

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 6CASH AND BALANCES WITHRESERVE BANK OF INDIA

Sr.No.

i. Cash in Hand (including foreign currency notes) 105869 109941

2. ii.

a. In current account 1546029 1410029

b. In other account - -

TOTAL 1651898 1519970

1.

Balances with Reserve Bank of India

ÝÜ Îè à¢ï¯ (ç±Îïà¢è }¢éÎí¢¥¢ïæ S¢çã¼)

|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üï ТS¢ à¢ï¯Ü . Ó¢¢Hê ¶¢¼ï }¢ï´¶. ¥‹² ¶¢¼ï }¢ï´Üé H

¥ÝéS¢êçÓ¢ : |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü ÜïТS¢ Ýx¢Î »±æ à¢ï¯

6 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 7BALANCES WITH BANKS &MONEY AT CALL & SHORT NOTICE

Sr.No.

I. IN INDIA :

(i.) Balances with banks,

a) In current a/cs 599301 174903

b) In other deposit a/cs 8010900 10809900

ii. ii. MONEY AT CALL &

SHORT NOTICE

a) With Banks - -

b) With other Institutions - -

I TOTAL (I) 8610201 10984803

II. II. OUTSIDE INDIA

i. i. In Current account - -

ii. ii. In Other Deposit account - -

iii. iii. Money at call & short notice - -

II TOTAL (II) - -

GRAND TOTAL 8610201 10984803

I.

i.

|¢¢Ú¼ }¢ï´

Ï¢ñ´Ü ¢ï´ Üï ТS¢ à¢ï¯

Ü Ó¢¢Hê ¶¢¼ï }¢ï´

¶ ¥‹² ¶¢¼ï´ }¢ï´

}¢¢æx¢ ¥¢ñÚ ¥ËÐ S¢êӢݢ ÐÚÐíç¼Îï² Ú¢çà¢

Ü Ï¢ñ´Ü ¢ï´ Üï ТS¢

¶ ¥‹² S¢æS‰¢¢Ý¢ï´ Üï ТS¢Üé H ( )|¢¢Ú¼ Üï Ï¢¢ãÚ

Ó¢¢Hê ¶¢¼ï }¢ï´

¥‹² ¶¢¼¢ï´ }¢ï´

}¢¢æx¢ ¥¢ñÚ ¥ËÐ S¢êӢݢ ÐÚ Ðíç¼Îï² Ú¢çà¢Üé H ( )S¢Ü H Üé H

¥ÝéS¢êçÓ¢ : Ï¢ñ´Ü ¢ï´ Üï ТS¢ à¢ï¯ ¥¢ñÚ }¢¢æx¢ »±æ¥ËÐ S¢êӢݢ ÐÚ Ðíç¼Îï² Ú¢çࢲ¢æ

7 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

Page 55: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

49

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 8INVESTMENTS

Sr.No.

I. INVESTMENTS IN INDIA IN

i. i. Government Securities 13700160 10437864

ii. ii. Other approved Security

iii. iii. Shares

iv. iv. Debentures and Bonds - -

v. v. Subsidiaries and/or Joint Ventures - -

vi. vi. Others (to be specified) 50000 -

I TOTAL (I) 13750160 10437864

II. II. INVESTMENTS OUTSIDE INDIA IN

i. i. Government Securities

(Including local authorities) - -

ii. ii. Subscribers and/or joint ventures Abroad - -

iii. iii. Other Investments (to be specified) - -II TOTAL (II) - -

I II GRAND TOTAL I & II 13750160 10437864

I. |¢¢Ú¼ }¢ï´ çݱïࢠ(}¢ï´)S¢ÚÜ ¢Úè Ðíç¼|¢êç¼²¢æ¥‹² ¥Ýé}¢¢ïçμ Ðíç¼|¢êç¼²¢æà¢ï²ÚÇïÏ¢ï´Ó¢Ú »±æ Ï¢¢æÇ¥Ýéà¢æx¢è »±æ / ²¢ S¢æ²éQ ©l}¢¥‹² (±<‡¢¼ Ü Úï´)Üé H ( )|¢¢Ú¼ Üï Ï¢¢ãÚ çݱïࢠ(}¢ï´)S¢ÚÜ ¢Úè Ðíç¼|¢êç¼²¢æ(S‰¢¢Ýè² Ðí¢ç{Ü Ú‡¢ S¢çã¼)¥Ýéà¢æx¢è »±æ / ²¢ S¢æ²éQ ©l}¢¥‹² çݱïࢠ(±<‡¢¼ Ü Úï´)

Üé H ( )S¢Ü H Üé H »±æ

¥ÝéS¢êçÓ¢ : çݱïà¢

8 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 9ADVANCES

Sr.No.

A. i. Bills purchased and Discounted. 35 35

ii. ii. Cash Credit/Overdrafts & Loans 10178268 8973747

Repayable On Demand

iii. iii Term Loans 8540966 7583714( ) TOTAL (A) 18719269 16557496

B. i. i Secured by Tengible assets 17527157 14637615

ii. ii Covered by Bank/Govt. Guarantees - -

iii. iii Un secured 1192112 1919881( ) TOTAL (B) 18719269 16557496

C. I I ADVANCES IN INDIA

i. i. Priority Sectors 15383568 12224670

ii. ii Public sector - -

iii. iii Banks - -

iv. iv Others-NPS 3335701 4332826( ) TOTAL (C) 18719269 16557496

II. ADVANCES OUTSIDE INDIA

i. i. Due from banks - -

ii. ii. Due from others - -

a. Bills purchased & discounted - -

b. Syndicated loans - -

c. Others - -I II TOTAL (C I & II ) 18719269 16557496

i. ¶ÚèÎï x¢²ï çÏ¢H, |¢éÝ¢²ï x¢²ï çÏ¢HÝÜ Îè «‡¢ ¥¢ï±ÚÇî¢zÅ ¥¢ñÚ}¢¢æx¢ ÐÚ Ó¢éÜ ¢» Á¢¢Ýï ²¢ïx² «‡¢ç}¢²¢Îè «‡¢Üé H Üx¢¢ïÓ¢Ú ¥¢çS¼²¢ï´ S¢ï Ðíç¼|¢ê¼ «‡¢Ï¢ñ´Ü S¢ÚÜ ¢Úè x¢¢ÚæçŲ¢ï´ S¢ï Úçÿ¢¼x¢ñÚ Á¢}¢¢Ý¼èÜé H ¶|¢¢Ú¼ }¢ï´ ¥çx¢í}¢Ðí¢‰¢ç}¢Ü ÿ¢ï~¢S¢¢±üÁ¢çÝÜ ÿ¢ï~¢Ï¢ñ´Ü¥‹² x¢ñÚ Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢Üé H x¢|¢¢Ú¼ Üï Ï¢¢ãÚ ¥çx¢í}¢Ï¢ñ´Ü ¢ï´ S¢ï Ðí¢Œ²¥‹²¢ï´ S¢ï Ðí¢Œ²

Ü ¶ÚèÎï »±æ |¢éÝ¢²ï x¢²ï çÏ¢H¶ ôS¢ÇèÜï Å «‡¢x¢ ¥‹²

Üé H (x¢ »±æ )

¥ÝéS¢êçÓ¢ : ¥çx¢í}¢

9 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

50

çkhkuzk økwshkík økúk{eý çkUf

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 10FIXED ASSETS

Sr.No.

I. PREMISES

At cost as on 31st March of thepreceding year 3027 3027Additions during the year - -

Deductions during the year - -

Depreciation to date 972 915

I Total of I 2055 2112

II. II. OTHER FIXED ASSETS

(Including furniture & Fixtures)

At cost as on 31st March of the

31 preceding year 313126 286516

Addition during the year 22732 28086

Deductions during the year 6001 1476

Depreciation to date 263914 239739

II Total of II 65943 73387

I.

31

ÐçÚS¢Ú }¢¢Ó¢ü Ü ¢ï Ðê±üx¢¢}¢è ±¯ü Ü è H¢x¢¼ ÐÚ

±¯ü ΢ñÚ¢Ý ±ëçh²¢æ±¯ü ΢ñÚ¢Ý Ü Å¢ñ¼è¥¢Á¢ ¼¢Úè¶ ¼Ü }¢ê˲ãî¢S¢Üé H ( )

¥‹² S¢¢±ç{ ¥çS¼²¢æ(È <ÝÓ¢Ú »±æ çÈ vÓ¢S¢ü S¢çã¼)Ðê±üx¢¢}¢è ±¯ü Ü è H¢x¢¼ ÐÚ

}¢¢Ó¢ü Ü ¢ ±¯ü ΢ñÚ¢Ý ±ëçh²¢æ±¯ü ΢ñÚ¢Ý ±ëçh²¢æ±¯ü ΢ñÚ¢Ý Ü Å¢ñ¼è¥¢Á¢ ¼¢Úè¶ ¼Ü }¢ê˲ãî¢S¢Üé H ( )

¥ÝéS¢êçÓ¢ : ¥Ó¢H ¥¢çS¼²¢æ

10 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 11OTHER ASSETS

Sr.No.

I Inter office adjustment (net) - 16387

II II Interest accrued 565543 621313

III III Tax Paid in advance/

Tax deducted at Source 77559 36686

IV IV Stationery and Stamps 7028 6493

V V Non banking assets acquired

in satisfaction of claim - -

VI VI a. Others 402212 473722

b. Balance of Profit & Loss

TOTAL 1052342 1154601

I ¥æ¼Ú Ü ¢²¢üH² (çݱH)©ÐçÓ¢¼ ϲ¢Á¢¥çx¢í}¢ Ü Ú |¢éx¢¼¢Ý/›¢ï¼ ÐÚ Ü Å¢ñ¼è

SÅïà¢ÝÚè ¥¢ñÚ SÅñ}ÐS¢Î¢±¢Ðê<¼ S¢ï ¥<Á¢¼ Ï¢ñ´ôÜ x¢ ¥¢çS¼²¢æ

Ü ¥‹²¶ H¢|¢ ã¢çÝ ¶¢¼¢ à¢ï¯

Üé H

¥ÝéS¢êçÓ¢ : ¥‹² ¥¢çS¼²¢æ

11 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

51

çkhkuzk økwshkík økúk{eý çkUf

(Amt. in '000)SCHEDULES TO BALANCE SHEET

(` ãÁ¢¢Ú }¢ï´)¼éHÝ-Ð~¢ Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 12CONTINGENT LIABILITIES

Sr.No.

I Claims against the Bank notacknowledged as debts 5685 5485

II Liability for partly paid Investments - -

III Liability on account of outstanding

forward exchange contracts - -

IV Guarantees given on behalf ofConstituents

a. In India 23626 4973

b. Outside India - -

V Acceptance, endorsements andother obligations - -

VI Other items for which the bank

is contingently liable 183422 124094

TOTAL 212733 134552

Ï¢ñ´Ü ç±Lh ΢±ï´ çÁ¢‹ãï´ «‡¢ Ýãè´ }¢¢Ý¢ x¢²¢

¥¢æçà¢Ü Ó¢éÜ ¼¢ çݱïà¢¢ï´ Üï çH» Îï²¼¢±¢²Î¢ ç±Îïà¢è }¢éÎí¢ ç±çݲ}¢S¢æç±Î¢ Üï Ü ¢Ú‡¢ Îï²¼¢Í¢ÅÜ ¢ï´ Ü è ¥¢ïÚ S¢ï Îè x¢§ü x¢¢ÚæÅè²¢æ

|¢¢Ú¼ }¢ï´|¢¢Ú¼ S¢ï Ï¢¢ãÚS±èÜ ¢²ü¼¢, ÐëD¢æÜ Ý »±æ ¥‹² ΢ç²y±

¥‹² }¢Îï´ çÁ¢ÝÜï çH» Ï¢ñ´Ü Ü è¥¢Ü çS}¢Ü Îï²¼¢ ãñÜé H

¥ÝéS¢êçÓ¢ : ¥¢Ü çS}¢Ü Îï²¼¢»æ

12 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

(Amt. in '000)

SCHEDULE : 13INTEREST EARNED

Sr.No.

SCHEDULES TO PROFIT AND LOSS ACCOUNT

(` ãÁ¢¢Ú }¢ï´)H¢|¢-ã¢çÝ Hï¶ï Ü è ¥ÝéS¢êçÓ¢²¢æ

I Interest/discount on Advances/bills 1710876 1522627

II Income on Investments 917083 692482

III Interest on balance with RBI and 627692 819134

other inter-bank funds

IV Others 4360 -

TOTAL 3260011 3034243

¥çx¢í}¢¢ï´ / çÏ¢H¢ï´ ÐÚ Ï²¢Á¢ / ÀêÅçݱïà¢¢ï´ ÐÚ ¥¢²|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü »±æ ¥‹² ¥æ¼Ú Ï¢ñ´ÜÜï ТS¢ à¢ï¯ ÐÚ Ï²¢Á¢¥‹²Üé H

¥ÝéS¢êçÓ¢ : ©Ð¢<Á¢¼ ϲ¢Á¢

13 31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

Page 58: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

52

çkhkuzk økwshkík økúk{eý çkUf

(Amt. in '000)SCHEDULES TO PROFIT AND LOSS ACCOUNT

(` ãÁ¢¢Ú }¢ï´)H¢|¢-ã¢çÝ Hï¶ï Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 14OTHER INCOME

Sr.No.

I Commission, exchange & Brokerage 18321 15397

II Profit on sale of investments 22061 10079

Less : Loss on sale on Investments - -

III Profit on revaluation of investments - -

Less : Loss on revaluation on

Investments - -

IV Profit on sale of land buildings

and other assets 1609 34

Less : Loss on sale of land, (109.0) (120.0)

buildings and other assets

V Profit on exchange transactions - -

Less: Loss on exchange transactions - -

VI Income earned by way of

dividends etc. from subsidiaries/ - -

companies and /or joint ventures

abroad/ in India

VII Miscellaneous Income 176152 160868

TOTAL 218034 186258

Ü ç}¢à¢Ý ç±çݲ}¢ à¢éËÜ ¥¢ñÚ ÎH¢Hèçݱïà¢¢ï´ Üï ç±R ² S¢ï H¢|¢Í¢Å¢»æ : çݱïà¢¢ï´ Üï ç±R ² S¢ï ã¢çÝçݱïࢢïæ Üï ÐéÝ: }¢ê˲¢æÜ Ý S¢ï H¢|¢Í¢Å¢»æ : ã¢çÝ

|¢êç}¢, §}¢¢Ú¼ï´ »±æ ¥‹² ¥¢çS¼²¢ï´Üï ç±R ² ÐÚ H¢|¢Í¢Å¢»æ : |¢êç}¢, §}¢¢Ú¼ï´ »±æ ¥‹² ¥¢çS¼²¢ï´Üï ç±R ² ÐÚ ã¢çÝç±çÝ}¢² S¢æÓ¢¢HÝ ÐÚ à¢éh H¢|¢Í¢Å¢»æ : ç±çÝ}¢² S¢æÓ¢¢HÝ ÐÚ à¢éh ã¢çÝç±Îïࢢï´/|¢¢Ú¼ }¢ï´ S‰¢¢çм ¥Ýé¯æx¢è §Ü ¢§²¢ï´/Üæ ÐÝè²¢ï´ ¥¢ñÚ ²¢ S¢æ²éQ ©l}¢¢ï´ S¢ïçÇç±Çï´Ç ¥¢çÎ Üï MÐ }¢ï´ ¥<Á¢¼ ¥¢²

ç±ç±{ ¥¢²Üé H

¥ÝéS¢êçÓ¢ : ¥‹² ¥¢²

14 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

SCHEDULE : 15INTEREST EXPENDED

Sr.No.

I Interest on deposits 1885264 1827270

II Interest on Reserve Bank of India

Interbank borrowings 166611 174883

III Others 1314 505

(Int. paid on IBPC purchased)

TOTAL 2053189 2002658

Á¢}¢¢Ú¢çࢲ¢ï´ ÐÚ Ï²¢Á¢

|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü / ¥æ¼Ú Ï¢ñ´Ü

©{¢Ú Ú¢çࢲ¢ï´ ÐÚ Ï²¢Á¢

¥‹²

(R² çÜ » x¢» ¥¢§Ïü ¢èÐèS¢è ÐÚ ÐÎí œ¢ ϲ¢Á¢)Üé H

¥ÝéS¢êçÓ¢ : ò² çÜ ²¢ x¢²¢ ϲ¢Á¢

15 31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

Page 59: 14th Annual Report Title Pages FINAL CTC - Copy.pdfnear shital guest house, bharuch head office, 5. mr. rajesh pai assistant (cepc) ... dev’baria dhanpur gangardi garbada godhra

±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

53

çkhkuzk økwshkík økúk{eý çkUf

(Amt. in 000)'SCHEDULES TO PROFIT AND LOSS ACCOUNT

(` ãÁ¢¢Ú }¢ï´)H¢|¢-ã¢çÝ Hï¶ï Ü è ¥ÝéS¢êçÓ¢²¢æ

SCHEDULE : 16OPERATING EXPENSES

Sr.No.

1. Payment to and provisions for

employees 1030847 594836

2. Rent, Taxes, Lighting 55924 55094

3. Printing & Stationery 5955 4321

4. Advertisement and publicity 185 398

5. Depreciations on bank’s property 28833 28248

6. Directors’ fees, Allowances

and expenses 80 40

7. Auditors fees and expenses 3217 2810

(Including Branch Auditors)

8. Law charges 1087 1893

9. Postage,Telephone etc. 7121 5904

10. Repairs & Maintenance 1478 1366

11. Insurance 38165 38347

12. Other expenditure 204293 180672

TOTAL 1377185 913929

Ü }¢üÓ¢¢çÚ²¢ï´ Ü ¢ï |¢éx¢¼¢Ý ¥¢ñÚ Ã²²

çÜ Ú¢²¢, Ü Ú ¥¢ñÚ çÏ¢Á¢Hè}¢éÎ퇢 ¥¢ñÚ Hï¶Ý S¢¢}¢x¢íè籿¢¢ÐÝ »±æ ÐíÓ¢¢ÚÏ¢ñ´Ü Ü è S¢æÐ眢 ÐÚ }¢ê˲ãî¢S¢çÝÎïà¢Ü ¢ï´ Ü è È èS¢ |¢œ¢ï »±æ ¶Ó¢ü

Hﶢ ÐÚèÿ¢Ü ¢ï´ Ü è È èS¢ »±æ ¶Ó¢ü(ࢢ¶¢ Hﶢ ÐÚèÿ¢Ü ¢ï´ S¢çã¼)‹²¢ç²Ü Ðí|¢¢ÚÇ¢Ü , ¼¢Ú, ÅïHèÈ ¢ïÝ ¥¢çÎ}¢Ú}}¢¼ ¥¢ñÚ Ú¶Ú¶¢±Ï¢è}¢¢¥‹² ò²Üé H

¥ÝéS¢êçÓ¢ : ÐçÚÓ¢¢HÝ Ã²²

16 31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

PROVISIONS &CONTINGENCIES

Sr.No.

Provision for Standard Assets 6000 10000

Provision for NPA 15000 150000

Amortisation Capital

Expenditure - CBS - -

Amortisation of Premium 11812 9246

Provision for Theft,

Burglary, Daccoitee - -

Provision for Gratuity - -

Provision for Income Tax - 44883

Prov. for OD in Deposit A/c. SBCU - 456

Depreciation on Investment - -

Provision for leave encashment - -

TOTAL 32812 214585

}¢¢ÝÜ ¥¢çS¼²¢ï´ Üï çH» Ðí¢±{¢Ýx¢ñÚ çÝcТçμ ¥¢çS¼²¢ï´ Üï çH» Ðí¢±{¢Ý

ÐçÚࢢï{Ý ÐêæÁ¢è ò² - S¢èÏ¢è»S¢çÐíç}¢²}¢ Ü ¢ ÐçÚࢢï{ÝÓ¢¢ïÚè, ÇÜñ ¼è, ÀH Üï çH» Ðí¢±{¢Ý

©ÐÎ¢Ý Üï çH» Ðí¢±{¢Ý¥¢²ÚÜ Ú Üï çH» Ðí¢±{¢ÝÁ¢}¢¢ ¶¢¼ï }¢ï´ ¥¢ïÇè Üï çH» Ðí¢±{¢ÝçݱïࢠÐÚ }¢ê˲ãî¢S¢¥±Ü ¢à¢ ÝÜ ÎèÜ Ú‡¢ Üï çH» Ðí¢±{¢ÝÜé H

Ðí¢±{¢Ý »±æ¥¢Ü çS}¢Ü ¼¢»æ

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

54

çkhkuzk økwshkík økúk{eý çkUf

S¢}¢¢²¢ïÁ¢Ý (Á¢}¢¢)§ü»}¢Çè-Ü }Œ²êÅÚ§ü»}¢Çè-ÐçÚS¢ÚS¢ï±¢ ࢢ¶¢¥ÝéÎ¢Ý ¥¢Úçÿ¢¼ çÝç{§ü»}¢Ç-ǢŢ Üï çÏ¢H »±æ §HïçvÅîÜ ËS¢Ï¢ñ´Ü S¢ü Ó¢ïÜÓ¢¢Á¢üÇ ¥¢òÈ «‡¢ ¶¢¼ïd¢ï¼ ÐÚ Ü Ú Ü Å¢ñ¼èS¢ï±¢ Ü Ú ±S¢êHèç±ç±{ Á¢}¢¢ç±ç±{ HïÝ΢Ú}¢Š²±¼èü Ï¢¢s çÏ¢H S¢æx¢í㇢ »±æ¶ÚèÎï x¢» çÏ¢H¢ï´ Ü è Ðí¢ç#

ݢϢ¢Çü S¢ï Ðí¢# ϲ¢Á¢ ©Ð΢ÝçÏ¢}¢¢ S¢æx¢íã - »±æ ±S¢êHè ¶¢¼ï´ »ÝÐè»S¢ H¢§ÅÐíç¼{¢çÚ¼ Ú¢çࢠ¶¢¼¢x¢ñÚ S¢æÓ¢¢çH¼ ¶¢¼ï-ϲ¢Á¢Ðí¢ïvS¢è ¶¢¼¢ (}¢¢<Á¢Ý }¢Ýè)»È »HS¢èS¢è Üï çH» ݢϢ¢Çü S¢ï Ðíç¼Ðê<¼ÇïçÏ¢Å Ü ¢Çü ÐêH ¶¢¼¢ Ï¢ïS¢ - S¢}¢¢à¢¢ï{Ý S¢}¢¢²¢ïÁ¢ÝS¢ÚÜ ¢Úè S¢æx¢í㇢ Üï ¶¢¼ï Ü è Îï²¼¢-S¢èÏ¢è§üS¢èÓ¢¢ïÚè/S¢ï´Í¢}¢¢Úè/ÇÜñ ¼è ãï¼é Ðí¢±{¢Ý¥¢²Ü Ú ãï¼é Ðí¢±{¢Ý}¢Ú‡¢¢Ðï Ú¢¼æ 籜¢è² S¢ã¢² ã¼ï é Ð¢í ±{¢Ý - }¢¼ë Ü Ü }¢Óü ¢¢Úè»ÝÐèS¢è¥¢§ü ( ) S¢æx¢í㇢ ¶¢¼¢Ï²¢Á¢ §y²¢çÎ S¢æÎïã襋² Îï²¼¢»¡ÝÜ Î ¥ç{à¢ï¯»Ý»È »S¢ Îï² ¶¢¼¢

Adjusting (Credit) 33063 40082

EMD - Computers 50 50

EMD - Premises 5 5

Service Branch 2822 1889

Subsidy Reserve Fund 167492 58341

EMD-Data Cable & Electricals 160 160

Bankers Cheque 653 9145

Charged off Loan A/c. - 281

TDS 192 5860

NEFT settlement 43 -

Sundry Deposit 23877 20413

Sundry Creditors 1131 1037

Intermediatory, OBC, BP Realised

151 1371

Interest Subsidy received - NABARD 12632 44546

PMJJBY PMSBY PMJJBY & PMSBY - Insurance Collection 40 27

Collection Account NPS lite 155 43

Retention Amount Account 687 209

Non Operative Account 70 -

Proxy Account 11 6

Reimbursement from NABARD for FLCC 1112 214

24 Debit Card Pool Account Base - 24 34328 24867

Clearing Adjustment 3104 9062

Liab. on A/c. of Govt. Coll. CBEC - 217

Provision for Theft/Burglary/Daccoitee 29389 29389

Provision for Income Tax 45010 45010

Provision for Ex-Gratia Fin. Relief - Deceased Staff 600 600

APB-ACH NPCI (APB-ACH) Collection Account 351 2534

Interest ETC Suspense 115 86

Other Liabilities 141 4071

Cash Excess 19 15

NFS Payable Account - 6

Åè BOB charged Back on NFS 96 66

¥ÝéS¢êçÓ¢ : 5 (IV) Details of Schedule 5 (IV)

(` ãÁ¢¢Ú }¢ï´) ` '(Amt. in 000)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

55

çkhkuzk økwshkík økúk{eý çkUf

¥ÝéS¢êçÓ¢ : 5 (IV) Details of Schedule 5 (IV)

(` ãÁ¢¢Ú }¢ï´) (Amt. in '000)

AEPS - Offus AEPS - Offus receivable - 13519

Provision for Standard Assets 61011 55011

NRLHM 5.15 Int. Subsidy 5.15 Under NRLHM - 4019

SBCU Prov. for OD in Deposit AC SBCU 456 456

Prov. for Pension Liability 298375 -

APY Govt. Co. Contribution 379 -

SCH Int. accrued NABARD SCH 21689 -

ST-SAO Int. accrued NABARD (ST-SAO) 4438 -

NSKFDC Int. accrued NSKFDC 91 -

Suspense Cash with BC 7742 -

IMPS IMPS Pool AC-O/W remittance 4112 -

UPI UPI Transaction A/c. Outward 1740 -

AEPS Offus AEPS Offus Payable 44725 -

CGST/SGST/IGST 6059 15609

Total 808316 388216

Ðí¢Œ²}¢¢ÝÜ ¥¢çS¼²¢ï´ Üï çH» Ðí¢±{¢Ý

Üï ¥æ¼x¢ü¼ ϲ¢Á¢ S¢çÏS¢Çè Á¢}¢¢ ¶¢¼ï }¢ï´ ¥¢ïÇè Üï çH» Ðí¢±{¢Ý

Ðï´à¢Ý Îï²¼¢¥¢ïæ Üï çH» Ðí¢±{¢Ý»Ðè±¢§ü S¢ÚÜ ¢Úè Üæ ÐÝè ²¢ïx¢Î¢Ý©ÐçÓ¢¼ ϲ¢Á¢ ݢϢ¢Çü ©ÐçÓ¢¼ ϲ¢Á¢ ݢϢ¢Çü ( )©ÐçÓ¢¼ ϲ¢Á¢ Ï¢ñ´Ü ç}¢~¢ Üï ТS¢ S¢æÎïãè ÝÜ Î

ÐêH ¶¢¼¢ - Ï¢¢s Ðí﯇¢HïÝÎïÝ ¶¢¼¢ - Ï¢¢s

Îï²S¢èÁ¢è»S¢Åè/»S¢Á¢è»S¢Åè/¥¢§üÁ¢è»S¢ÅèÜé H

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

56

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S¢æÎïãè ¶¢¼¢ - S¢¢}¢¢‹²S¢æÎïãè ¶¢¼¢ - {¢ï¶¢{ÇGèS¢æÎïãè ¶¢¼¢ - Ðíç¼Îï² Á¢}¢¢ÇïçÏ¢Å Ü ¢Çü ÐêH ¶¢¼¢ - Ï¢ïS¢ - Ðíç¼Îï² Á¢}¢¢»¡Ðè»È ¥¢ÚÇè» Ðíç¼|¢êç¼ Á¢}¢¢S¢}¢¢²¢ïÁ¢Ý (Ý¢}¢ï)

Ðçí ¼à¢¼ ϲ¢Á¢ S¢Ï¢S¢èÇè Ü ¢ Ð¢í ±{¢Ý S¢}¢¢±àï ¢Ðí¢ïvS¢è ¶¢¼¢Ó¢¢Á¢üÇ ¥¢òÈ «‡¢ ¶¢¼¢Ü }¢üÓ¢¢çÚ²¢ï´ Ü ¢ï y²¢ñã¢Ú ¥çx¢í}¢Ï¢è¥¢ïÏ¢è / »ÝÐèS¢è¥¢§ü (»ÐèÏ¢è-»S¢è»Ó¢) / »Ý»È »S¢ ÚèS¢è±ïÏ¢H S¢ï Ðí¢Œ²Ý¢Ï¢¢Çü S¢ï Ðí¢# ϲ¢Á¢ ¥Ýé΢Ý

Ü ¢ çݲ}¢è¼ }¢ê˲¢æÜ Ý ÐÚ Ü Ú Ü ¢ çݲ}¢è¼ }¢ê˲¢æÜ Ý ÐÚ Ü Ú Ü ¢ çݲ}¢è¼ }¢ê˲¢æÜ Ý ÐÚ Ü Ú

¥¢²Ü Ú Ðíç¼Î¢² Ðí¢Œ²¥æ¼Ú Ü ¢²¢üH² S¢}¢¢²¢ïÁ¢Ý »Ý§ü»È ÅèS¢}¢¢à¢¢ï{Ý x¢ëã Ðï çSHлS¢Çè¥¢Ú ÐÚ ÅèÇè»S¢ ÐÚ Ð¢=Ü x¢‹²¢ç²Ü - S¢æÎïãèS¢ï±¢ ࢢ¶¢/S‰¢¢Ýè² à¢¢¶¢ S¢}¢¢à¢¢ï{Ý}¢Š²±¼èü, Ï¢¢s çÏ¢H S¢æx¢í㇢,¶ÚèÎï x¢» çÏ¢H¢ï´ Ü è Ðí¢ç#¥‹² ¥¢çS¼²¢¡

¥çx¢í}¢ È èS¢S¢èÁ¢è»S¢Åè/»S¢Á¢è»S¢Åè/¥¢§üÁ¢è»S¢ÅèÜ }¢èà¢Ý - §zÜ ¢ï Å¢ïçÜ ²¢ïÏ¢ÇG¢ñ΢ ¥¢ÚÅèÁ¢è»S¢ ¶¢¼¢S¢æx¢í㇢ ¶¢¼¢-»ÝÐè»S¢ H¢§Å/ Ðí΢²

Suspense Account General 2470 8702

Suspense Account Fraud 2403 824

Suspense Account Refundable Deposit 359 262

II Debit Card Pool A/c. Base - II 1 17

Refundable Deposits 195 170

PFRDA security deposit 1000 1000

Adjusting (Debit) 16879 11138

2 (Provision for 2% Interest subvention included)

Proxy A/c. 237 209

Charged off Loan A/c. 32 -

Festival Advance to STAFF 16837 16171

Receivable from BOB / 5599 28152

NPCI (APB-ACH)/NFS receivable

Interest subvention from NABARD 232255 255883

2013-14 Tax on Regular Assessment 2013-14 - 2500

2011-12 Tax on Regular Assessment 2011-12 916 916

2012-13 Tax on Regular Assessment 2012-13 - 8650

Income Tax Refund Receivable 52131 73067

Inter Office Adj. A/c. NEFT settlement 423 32059

Clearing House Pay Slip 146 146

Parking on TDS for SDR 634 556

Suspense - Legal 305 521

Service Branch/Local Branch clearing 1 1

Intermediatory, OBC, BP Realised - -

Other - Assets 289 5

CKYC CKYC Advance Fees 16 26

CGST/SGST/IGST 2311 2969

Commission Iffco Tokio 147 170

Baroda RTGS A/c. - 2375

AEPS Collection A/c. NPS Lite / AEPS payable - 11792

¥ÝéS¢êçÓ¢ : 11 (VI) ç±±Ú‡¢ Details of Schedule 11 (VI)

(` ãÁ¢¢Ú }¢ï´) (Amt. in '000)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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¥ÝéS¢êçÓ¢ : 11 (VI) ç±±Ú‡¢ Details of Schedule 11 (VI)

(` ãÁ¢¢Ú }¢ï´) (Amt. in '000)

AEPS/RTGS AEPS/RTGS Settlement A/c. 10040 7881

HDFC Receivable - HDFC Bank 0 7560

GST-TDS NPCI GST-TDS receivable from NPCI 17 -

IGST (PSLC) IGST Refund receivable (PSLC) 2520 -

16-17 Tax on regular Assessment 16-17 1000 -

Comm. receivable for New India Assu. 315 -

Adjusting Debit-Income Accrued 1319 -

Suspense Cash with BC 1012 -

IMPS IMPS Pool AC-I/W remittance 8007 -

UPI UPI transaction inward 14412 -

AEPS offus AEPS offus receivable 27984 -

Total 402212 473722

S¢ïÅH}¢ï´Å ¶¢¼¢Ðí¢Œ² - Ï¢ñ´Ü

S¢ï Ðí¢Œ² Ðíç¼Î¢² - Ðí¢Œ² Üï çݲç}¢¼ }¢ê˲¢æÜ Ý ÐÚ Ü Ú

‹²ê §æçDz¢ »à²¢ïÚï´S¢ S¢ï Ðí¢Œ² Ü }¢èà¢;Ý¢}¢ï S¢}¢æÁ¢Ý - ©ÐçÓ¢¼ ¥¢²Ï¢ñ´Ü ç}¢~¢ Üï ТS¢ S¢æÎïãè ÝÜ Î

ÐêH ¶¢¼¢ - Ï¢¢s Ðí﯇¢HïÝÎïÝ ¶¢¼¢ - Ï¢¢s

Ðí¢Œ² Îï²Üé H

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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¥¢Ü çS}¢Ü Ðí|¢¢ÚçÝÚèÿ¢‡¢ Ðí|¢¢ÚS¢ï±¢ Ðí|¢¢Ú¥‹² çÈG Ý¢Ü HÐíçR ²¢ Ðí|¢¢Ú¥¢Ü çS}¢Ü ¼¢ - ¥ÐHï綼 ¶¢¼¢ïæ }¢ï´ ±S¢êHèH¢òÜ Ú Ðí|¢¢ÚHï¶Ý S¢¢}¢x¢íè Ðí|¢¢Ú»Ý»È »S¢ »Åè»}¢ ©Ð²¢ïx¢è È èÇ¢Ü à¢éËÜçÝç±Î¢ Á¢}¢¢»ÝÐèS¢è¥¢§ü(ÇèÏ¢èÅè) S¢ï Ðí¢# Ðí¢ïyS¢¢ãÝ Ú¢çà¢

Тí # Тí yï S¢¢ãÝ Ú¢çà¢-Ðí¢# Ï¢¢ò‹Ç Ú¢çà¢/Ü }¢üÓ¢¢Úè Ðíçà¢ÿ¢‡¢Ý¢ïçÅS¢ |¢éx¢¼¢Ý y²¢x¢Ð~¢è Ü }¢üÓ¢¢Úèç±ç±{ Ðí¢ç#²¢¡ç±çݲ}¢ ¥¢² ç±çݲ}¢ ¥¢²

È è Ðí¢ç#ç±çÝ}¢² HïÝÎïÝ ÐÚ H¢|¢¥¢² : ç±ç±{ ¥¢² : (¥çx¢í}¢)

ÎæÇ Ðí¢ç#»Ý»Ó¢Ï¢è S¢ï Ðí¢# ÐíçR ²¢ È èݢϢ¢Çü S¢ï Ðí¢# ¥Ýé΢ÝݢϢ¢Çü S¢ï Ðí¢# Ðí¢ïyS¢¢ãÝ Ú¢çà¢Ý¢Ï¢¢Çü S¢ï Ðí¢# Ðíç¼Ðê<¼Ðí¢# ¥¢²Ü Ú Ðíç¼Î¢ÝÜé H

Incidental Charges 89240 55968

Inspection Charges 3971 5085

Service Charges 0 7206

Other Finacle 2 7

Processing Charges 11715 8419

Contigency-Recovery in W/off 13334 7027

Locker Charges 0 1614

Stationery Charges 1884 1600

NFS ATM Usage Fees 2641 28542

Postages 5 9

Tender Deposit 0 37

Incentive recd. from NPCI (DBT) 290 158

NPS/APY LITE PFRDA NPS/APY LITE Incentive RECD-PFRDA 1372 1096

Bond money received/Staff Training 1200 2100

Notice Pay Resign Staff 1331 0

Misc. Receipt 16 0

UPI Exchange Earn UPI 51 0

IMPS Exchange Earn IMPS 61 0

AEPS AEPS Fees Earned 547 0

Profit on Exchange Transaction 6399 0

NPCI MORD NREGA Income: NPCI MORD NREGA 4562 0

PSLC Misc. Income - PSLC (Advances) 18935 42000

NPCI NPCI Penatly received 1 0

Processing Fees received from NHB 460 0

Subsidy received from Nabard 299 0

Incentive Received from Nabard 110 0

Reim received from Nabard 3067 0

Income Tax Refund Received 14659 0

Total 176152 160868

¥ÝéS¢êçÓ¢ : 14 (VII) Ü ¢ ç±±Ú‡¢ Details of Schedule 14 (VII)

(` ãÁ¢¢Ú }¢ï´) (Amt. in '000)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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ÇèÁ¢H »±æ ¼ïHÜ ¢ï ±¢<¯Ü È è

ç±ç±{ Ðí|¢¢ÚS¢ÎS²¼¢ Ú¢çà¢Üæ Œ²êÅÚ Ðí|¢¢ÚÝ¢ïÅ S¢¢ò=Åx¢ }¢à¢èÝÜæ Œ²êÅÚ S¢¢òz²±ï²Ú ò²S¢èÏ¢è»S¢ ò² - HèÁ¢ H¢§Ý/SÅîvÓ¢Ú Üï Ï¢ôHx¢/çÓ¢‹ã ÐçÚ±¼üÝ

ÚçÁ¢SÅîïà¢Ý È è/ ¥Ðíç¼Î¢² È è»ÝÐèS¢è¥¢§ü Ü ¢ï S¢<ÅçÈ Üï à¢Ý È èS¢èÏ¢è»S¢ Üï çH» Ú¢Á¢S± ò²S¢ï±¢ Ü Ú/S¢ï±¢ Ü Ú ÐÚ ÐíÎœ¢ ϲ¢Á¢

Üæ Œ²Åê Ú, çЋí ÅÚ, ²Ðê è»S¢, ã¢Ç±ü ²ï Ú, S¢èS¢èÅè±èÝÜ Î Ðí﯇¢ ÐÚ Ã²²/ÐíÎœ¢ ç±çÝ}¢²

Ðí|¢¢ÚÁ¢ïÚ¢ïvS¢ ò²Ã²¢±S¢¢ç²Ü È è¥¢<Ü ÅïvÅ Ü ¢ï ò¢±S¢¢ç²Ü È èS¢æÎ|¢ü ÐéS¼ÜÐí¢ïó¢ç¼ ÐíçR ²¢

ãï¼é ò²Ï¢èÁ¢èÁ¢èÏ¢è çÜ S¢¢Ý Rï çÇÅ Ü ¢Çü ò²S‰¢¢ÐÝ¢ çαS¢ ò²ÇïçÏ¢Å Ü ¢Çü ò²

S¢ï±¢ Ðí΢¼¢ Ðí|¢¢Ú¥ÐHï綼 ¶¢¼ï

Ðí|¢¢Ú »±æ È è¥¢²Ü Ú - ¥ÐèH È è

Ðí|¢¢Ú - S¢¢òzűï²Ú»S¢»}¢»S¢ S¢éç±{¢ - x¢í¢ãÜ S¢êӢݢ

Diesel & Oil 133 186

CIBIL Annual Fees to CIBIL 1395 953

Sundry Charges 24497 23506

Membership Subscription 34 99

Computer Charges 1938 4235

AMC Note Shorting Machine 1800 2921

Computer Software Expenses 70 13

V-SAT / CBS Exp - Lease Line / V-SAT /

Structure Cabling/Sign Convert 11771 6866

PFRDA IRDAI PFRDA Regn. Fee / IRDAI Non Refundable fees - 25

Certification Fees to NPCI - 259

Revenue exp. For CBS 17285 25944

Service Tax / Int Paid on Service Tax - 331

AMC- AMC- Computer, Printer, UPS, Hardware, CCTV 2112 365

Expenses/Exchange paid on Cash Remitance 4156 4201

CSGL CCIL CSGL CCIL Charges 23 43

Zerox exp. 82 84

Professional fees 796 652

Professional fees to Archiect 32 31

Reference books - 3

Promotion Exercise - -

CKYC Expense for CKYC 159 77

BGGB Kisan Rupay Card Expense 652 650

Foundation Day Expenses 5 -

Debit Card Expenses 13341 14752

F I F I service provider charges 25338 19896

B & D B & D Wr. Off A/c 46970 37693

NFS NFS Charges & Fees 13583 11767

Income Tax - Appeal Fee 1 11

AMC AMC Charges - Software 647 424

SMS Facility - Customer Alert 492 503

¥ÝéS¢êçÓ¢ : 16 (XII) Ü ¢ ç±±Ú‡¢ Details of Schedule 16 (XII)

(` ãÁ¢¢Ú }¢ï´) (Amt. in '000)

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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¥ÝéS¢êçÓ¢ : 16 (XII) Ü ¢ ç±±Ú‡¢ Details of Schedule 16 (XII)

(` ãÁ¢¢Ú }¢ï´) '(Amt. in 000)

Ðí¢ïyS¢¢ãÝ Ú¢çࢩ{¢Úï x¢» Ðí|¢¢Ú - Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢}¢¢ïÏ¢¢§H Ï¢ñ´ôÜ x¢ ò²çݱïࢠHïÝÎïÝ Ã²²

㢧}ü ¢¢Üü /§çü ÒÈñvS¢ Ð¢í §±ü Åï çH./»vS¢Ðèçڲݻ±æ Ðí¢§±ïÅ çH. ãï¼é È è¥S¢ï±¢ Ðí|¢¢Ú¥¢§üÏ¢èÐè»S¢ ÐÚèÿ¢¢ ò²

ãï¼é ò² |¢éx¢¼¢Ý çÜ ²¢ x¢²¢ / Ðíç¼±¼üÝ |¢éx¢¼¢Ý çÜ ²¢ x¢²¢ / Ðíç¼±¼üÝ

|¢éx¢¼¢Ý çÜ ²¢ x¢²¢ / Ðíç¼±¼üݲ¢~¢¢ ò²²¢~¢¢ ò² - Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü Ü }¢üÓ¢¢ÚèÜ }¢üÓ¢¢Úè Ðíçà¢ÿ¢‡¢ ò²}¢Ý¢ïÚæÁ¢Ý ò²Ð¢í ²¢Áï ¢Ü Ï¢Üñ Ü }¢Óü ¢¢çÚ²¢ï Ü ¢ï ÐÎí ¢Ý Ü è x¢§ü S¢çé ±{¢»¡Ü }¢üÓ¢¢çÚ²¢ï´ Ü ¢ ÚÁ¢¼ Á¢²æç¼ S¢}}¢¢ÝÐíÎœ¢ ç±çÝ}¢² - ÐíÎœ¢ ç±çÝ}¢² - ÐíÎœ¢ È è -

ÐÚ |¢éx¢¼¢Ý çÜ ²¢ x¢²¢ ç±HæÏ¢ à¢éËÜ|¢éx¢¼¢Ý çÜ ²¢ x¢²¢ ©ÐÜ Ú / Ðíç¼±¼üÝ‹²¢ç²Ü Ðí|¢¢ÚÜæ Œ²êÅÚ Ü ¢ïS¢ü È è (ò¢±S¢¢ç²Ü È è Ü ¢ï ¥¼æ çÚ¼)

|¢éx¢¼¢Ý çÜ ²¢ x¢²¢ Ü }¢èà¢ÝS¢}}¢ïHèÜ Ú‡¢ ò²Üé H

Incentive 634 758

Charges Debited - Bank of Baroda 392 -

Mobile Banking Expense 756 392

Investment Trading Expense 43 15

CRIF Fees for CRIF HIGH Mark / EQUIFAX CIS

Pvt Ltd/EXPERIAN CIC Pvt Ltd 5 10

Service Charges - 2

IBPS Exam Expense 82 77

UPI Expense for UPI - 24

CGST ITC CGST PAID/ITC REVERSAL 2739 1654

SGST ITC SGST PAID/ITC REVERSAL 2739 1968

IGST ITC IGST PAID/ITC REVERSAL 7887 4970

Traveling Expenses 12422 10735

Traveling Exp. - Sponsor Bank Staff 534 623

Staff Training Exp. 194 1341

Entertainment Expenses 1088 749

Amenities Provided to spon. Bank staff 932 787

SILVER JUBILEE FELICI FOR STAFF 48 19

UPI Exchange Paid UPI 85 -

IMPS Exchange Paid IMPS 98 -

AEPS AEPS Fees Paid 1853 -

GST Late Fees Paid on GST 40 -

ITC CESS PAID/ITC REVERSAL 5 -

Legal Charges 0 -

Computer Course Fee (trf to Professional fee) 923 58

Commission paid 2827

Amalgmation Expenses 655 0

TOTAL 204293 180672

31 }¢¢Ó¢ü 2019 Ü ¢ïAs on 31/03/2019

(Current Year)

31 }¢¢Ó¢ü 2018 Ü ¢ïAs on 31/03/2018(Previous Year)

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Schedule - 17: SignificantAccounting Policies:

17.1 Basis of Preparation

The financial statements have been prepared onhistorical cost basis, except as otherwise stated,following the Going Concern concept and confirmto the generally accepted accounting principles inIndia, applicable statutory provisions regulatorynorms prescribed by Reserve Bank of India (RBI),directives of National Bank for Agriculture andRural Development (NABARD), applicablemandatory Accounting Standards notified andpronouncements issued by Institute of CharteredAccountants of India (ICAI) and prevailingpractices in Banking Industry.

17.2 Use of Estimates

The preparation of financial statements requiresthe management to make estimates andassumptions that are considered in the reportedamounts of assets and liabilities (includingcontingent liabilities) as of the date of the financialstatements and the reported income andexpenses for the reporting period. Managementbelieves that the estimates used in thepreparation of the financial statements areprudent and reasonable.

17.3 Revenue Recognition

a) Items of income and expenditure are accountedfor on accrual basis unless otherwise stated.

b) Income on Non-Performing Advances (NPAs) isrecognized to the extent realized as per prudentialnorms prescribed by the Reserve Bank of India.Income accounted for in the preceding year andcurrent year remain ing unreal ized isderecognized in respect of advances classified asNPA during the year unless and until the NPAaccounts are upgraded to Standard assets.

The amounts realized in NPA accounts are firstadjusted towards Interest and thereafter withprincipal amount.

c) Commission on Banking Business and rent onsafe deposits lockers are accounted for onrealization.

17.4 Investments

a) All investments are stated at cost except asotherwise stated.

b) Investments which are purchased at premium arestated at cost paid and premium is amortized asper the norms prescribed by the RBI / NABARD.

c) Cost of acquisition of investments excludes

¥ÝéS¢êÓ¢è 17 :¥¢±à²Ü Hﶢ Ýè¼è²¢¡ :17.1 ©ÐR }¢ Ü ¢ ¥¢{¢Ú

Ï¢ñ´Ü Üï 籜¢è² ç±±Ú‡¢ ÐíÓ¢çH¼ ¥±{¢Ú‡¢¢ Üï m¢Ú¢ »ïç¼ã¢çS¢ÜÐÚæÐÚ¢x¢¼ H¢x¢¼, Á¢Ï¢ ¼Ü ¥‹²‰¢¢ Ý Ü ã¢ x¢²¢ ã¢ï, x¢¢ï§æx¢ Üæ S¢Ýü¥±{¢Ú‡¢¢ Ü ¢ ТHÝ Ü Ú¼ï ãé» ¥¢ñÚ |¢¢Ú¼ }¢ï´ S¢¢}¢¢‹² MÐ S¢ï}¢¢‹² HﶢæÜ Ý çS¢h¢æ¼¢ï´, |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü (¥¢ÚϢ襢§ü)m¢Ú¢ çÝ{¢üçÚ¼ H¢x¢ê ÐÇGÝï ±¢Hï ±ñ{¢çÝÜ Ðí¢±{¢Ý ç±çݲ¢}¢Ü}¢¢ÝÎæÇ, Ú¢cÅîè² Üë ç¯ »±æ x¢í¢}¢è‡¢ ç±Ü ¢S¢ Ï¢ñ´Ü (ݢϢ¢Çü) ÜïçÎࢢçÝÎïüà¢, |¢¢Ú¼ Üï Ó¢¢ÅüÇü »Ü ¢©æÅï´ÅìS¢ S¢æS‰¢¢Ý(¥¢§üS¢è»¥¢§ü) m¢Ú¢ Á¢¢Úè Hﶢ }¢¢ÝÜ ¥¢ñÚ |¢¢Ú¼ }¢ï´ Ï¢ñ´ôÜ x¢©l¢ïx¢ }¢ï´ ÐíÓ¢çH¼ Ð퉢¢»¡ ࢢç}¢H ãñ´, Üï ¥¢{¢Ú ÐÚ ¼ñ²¢Ú çÜ »x¢» ãñ´ J

17.2 ¥Ýé}¢¢Ý¢ï´ Ü ¢ ©Ð²¢ïx¢ :籜¢è² ç±±Ú‡¢¢ï´ Ü è ¼ñ²¢Úè Üï çH» ÐíÏ¢æ{Ý Ü ¢ï ¥Ýé}¢¢Ý Hx¢¢ÝïÜ è Á¢MÚ¼ ã¢ï¼è ãñ çÁ¢Ý ÐÚ ç±œ¢è² ç±±Ú‡¢¢ï´ Ü è ¼¢Úè¶ Ü ¢ï¥¢çS¼²¢ï´ ¼‰¢¢ Îï²¼¢¥¢ïæ (¥¢Ü çS}¢Ü Îï²¼¢¥¢ïæ S¢çã¼) Ü èçÚТïÅïüÇ ÚÜ }¢ }¢ï´ »±æ çÚТïÅèZx¢ ¥±ç{ Üï çH» çÚТïÅïüÇ ¥¢²¥¢ñÚ Ã²² }¢ï´ ç±Ó¢¢Ú çÜ ²¢ Á¢¢¼¢ ãñ J ÐíÏ¢æ{Ý Ü ¢ ç±E¢S¢ ãñ Ü ç±œ¢è² ç±±Ú‡¢¢ï´ Ü ¢ï ¼ñ²¢Ú Ü Ú¼ï S¢}¢² Ðí²¢ïx¢ }¢ï´ çH» x¢»¥Ýé}¢¢Ý ç±±ïÜ Ðꇢü ¼‰¢¢ ¼Üü S¢æx¢¼ ãñ J

17.3 Ú¢Á¢S± Ü ¢ çÝ{¢üÚ‡¢ :Ü ) ¥¢² »±æ ò², Á¢Ï¢ ¼Ü ¥‹²‰¢¢ Ý¢ Ü ã¢ x¢²¢ ã¢ï, S¢¢}¢¢‹²¼:

©ÐÓ¢² ¥¢{¢Ú ÐÚ çãS¢¢Ï¢ }¢ï´ çH» x¢» ãñ´ J¶) x¢ñÚ çÝcТÎÜ ¥¢çS¼²¢ï´ (»ÝÐè») ÐÚ ¥¢² çÝ{¢üÚ‡¢ |¢¢Ú¼è²

çÚÁ¢±ü Ï¢ñ´Ü m¢Ú¢ çÝ{¢üçÚ¼ ç±±ïÜ ¢{èÝ çݲ}¢¢ï´ Üï ¥ÝéS¢¢Ú ±S¢êHÜ è x¢§ü Ú¢çࢠ¼Ü çÜ ²¢ x¢²¢ ãñ J ±¯ü Üï ΢ñÚ¢Ý »ÝÐè» Üï MÐ }¢ï´±x¢èüÜë ¼ ¥çx¢í}¢¢ï´ Üï S¢æÏ¢æ{ }¢ï´ ç±x¢¼ ±¯ü »±æ }¢ï´ Ó¢¢Hê ±¯üHﶢÜë ¼ ¥¢², çÁ¢S¢Ü è ±S¢êHè Ýãè´ ãé§ü ãñ, Ü ¢ï ¥}¢¢‹² Ú¶¢x¢²¢ ãñ, Á¢Ï¢ ¼Ü çÜ »ÝÐè» ¢ï´ Ü }¢¢ÝÜ Üï MÐ }¢ï´ ©ó¢²Ý Ýã¢ï x¢²¢ ã¢ïJ»ÝÐè» ¶¢¼¢ï´ S¢ï Ðí¢# Ú¢çࢠ}¢ï´ ÐãHï ϲ¢Á¢ S¢}¢¢²¢ïçÁ¢¼ Ü Ú¼ï ãñ´»±æ ©S¢Üï Ï¢¢Î }¢êH{Ý S¢}¢¢²¢ïçÁ¢¼ çÜ ²¢ Á¢¢¼¢ ãñ J

x¢) Ï¢ñ´ôÜ x¢ ò±S¢¢² ÐÚ Ü }¢èà¢Ý »±æ S¢ïÈ çÇТïçÁ¢Å H¢òÜ Ú Ü ¢çÜ Ú¢²¢ ±S¢êHè ¥¢{¢Ú ÐÚ çãS¢¢Ï¢ }¢ï´ çH²¢ x¢²¢ ãñ J

17.4 çݱïࢠ:Ü ) S¢|¢è çݱïࢠH¢x¢¼ }¢ê˲ ÐÚ Îࢢüü²ï x¢» ã,ñ Á¢Ï¢ ¼Ü çÜ ¥‹²‰¢¢

Ý Ü ã¢ x¢²¢ ã¢ï J¶) ¥ç{à¢éËÜ ÐÚ ¶ÚèÎï x¢» çݱïà¢¢ï´ Ü ¢ï ÐíÎœ¢ à¢éËÜ Hx¢¢Ü Ú

Îࢢü²¢ x¢²¢ ãñ ¼‰¢¢ ¥ç{à¢éËÜ Ü ¢ï |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü / ݢϢ¢Çüm¢Ú¢ çÝ{¢üçÚ¼ }¢¢ÝÎæÇ¢ï´ Üï ¥ÝéS¢¢Ú ÐçÚࢢïç{¼ çÜ ²¢ x¢²¢ ãñ J

¶¢¼ ¢

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transaction charges and the same are treated asrevenue expenditure.

d) Classification, valuation, income recognition,accounting, etc. for Bank’s total investmentportfolio is done as per RBI’s revised guidelinescommunicated vide RBI Circular no. RBI/2013-14/434 RPCD. CO. RRB. BC. No. /74/03.05.33/2013-14 dated January 07, 2014.

e) Bank’s investment compromise of SLRinvestments and Non SLR investments. SLRInvestments are mainly in Government Securities(Central and State Government & treasury Bills),and other approved securities such as Bondsguaranteed by Central and State Governments,etc.

f) Non SLR investments comprise of investment inDebt instruments such as Debentures, PSUBonds (Taxable & tax Free), Shares andDebentures of corporates and Units of Mutualfunds and Central & State Govt. securities noteligible for SLR.

g) The entire investment Portfolio of the Bankcomprising SLR securities and Non –SLRsecurities are classified under three categoriesviz. ‘Held to Maturity (HTM)’, ‘Available for Sale(AFS)’ and Held for Trading (HFT)’ in accordancewith Reserve Bank of India guidelines.

The net depreciation under AFS & HFT Categoryis being recognized and provided for. The netappreciation under each classification in respectof these securities is ignored. Net depreciation isappropriated from profit and held under“Investment Fluctuation Reserve “.

The book value of the individual Security has notbeen changed and the provision required to bemade for depreciation under this category in anyyear has been appropriated from profit during theyear.

h) The investment portfolios under SLR Securitiesunder “Held to Maturity” & “Available for Sale” forthe financial year are valued at Book Value andamortization of premium, if any, over theremaining life of securities.

i) Profit on sale of security from “Held to Maturity”category is taken to Profit & Loss Account andthereafter entire amount is appropriated to theCapital Reserve Account. Profit on sale ofinvestments in AFS category is taken to the Profit& LossAccount.

x¢) çݱïà¢ Ü è ¥ç{x¢í㇢ H¢x¢¼ }¢ï´ HïÝÎïÝ à¢éËÜ Ýãè´ çH²¢ x¢²¢ ãñ§S¢ï Ú¢Á¢S± ¶Ó¢ü çx¢Ý¢ ãñ J

Í¢) Ï¢ñ´Ü Üï Üé H çݱïࢠТïÅüÈ ¢ïçH²¢ï´ Üï çH» ±x¢èüÜ Ú‡¢, }¢ê˲¢æÜ Ý,¥¢²çÝ{¢üÚ‡¢, HﶢæÜ Ý ¥¢çÎ Á¢Ý±Úè Ü ¢ï |¢¢Ú¼è²çÚÁ¢±ü Ï¢ñ´Ü Üï ÐçÚÐ~¢ S¢æ.

m¢Ú¢ Á¢¢Úè çÜ ²ï x¢»|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üï S¢æࢢïç{¼ çÎࢢçÝÎïüà¢¢ï´ Üï ¥ÝéMÐ ãñ´ J

Ñ) Ï¢ñ´Ü Üï çݱïࢠ}¢ï´ »S¢»H¥¢Ú çݱïࢠ»±æ x¢ñÚ-»S¢»H¥¢Úçݱïࢠࢢç}¢H ãñ J »S¢»H¥¢Ú çݱïࢠ}¢éw²¼: S¢ÚÜ ¢ÚèÐíç¼|¢êç¼²¢ï´ (Üï ‹Îí ¥¢ñÚ Ú¢Á² S¢ÚÜ ¢Ú ¼‰¢¢ ÅîïÁ¢Úè çÏ¢H) ¼‰¢¢¥‹² ¥Ýé}¢¢ïçμ Ðíç¼|¢êç¼²¢ï´ Á¢ñS¢ï Üï ‹Îí ¥¢ñÚ Ú¢Á² S¢ÚÜ ¢Ú m¢Ú¢Ðíy²¢|¢ê¼ Ï¢¢ò‹Ç ¥¢çÎ }¢ï´ ãñ´ J

Ó¢) x¢ñÚ »S¢»H¥¢Ú çݱïà¢¢ï´ }¢ï´ «‡¢ çH¶¼¢ï´ }¢ï´ çݱïࢠÁ¢ñS¢ï çÇÏ¢ï´Ó¢Ú,Ðè»S¢²ê Ï¢¢ò‹Ç (Ü Ú ²¢ïx² »±æ Ü Ú ÀêÅ ±¢Hï), Ü ¢Ð¢ïüÚïÅìS¢ Üïà¢ï²Ú ¼‰¢¢ çÇÏ¢ï´Ó¢Ú ¼‰¢¢ }²éÓ¢¥H Èæ Ç Ü è ²êçÝÅ ¥¢ñÚ Üï ‹Îí ¥¢ñÚÚ¢Á² S¢ÚÜ ¢Ú Ü è »S¢»H¥¢Ú ãï¼é ¥²¢ïx² Ðíç¼|¢êç¼²¢ï´ ࢢç}¢HãñJ

À) »S¢»H¥¢Ú çݱïà¢¢ï´ ¼‰¢¢ x¢ñÚ »S¢»H¥¢Ú çݱïà¢¢ï´ S¢ç㼠Ϣñ´Ü ÜïS¢}¢x¢í çݱïࢠТïÅüÈ ¢ïçH²¢ï´ Ü ¢ï ¼èÝ Ÿ¢ï燢²¢ï´ ¥‰¢¢ü¼ì,‘ÐçÚÐÒ¼¢¼Ü {¢çÚ¼’ , 'çÏ¢R è ãï¼é ©ÐHÏ{ ( ¼‰¢¢ 'ò¢Ð¢Úãï¼é {¢çÚ¼ }¢ï´ çÚÁ¢±ü Ï¢ñ´Ü ¥¢òÈ §æçDz¢ Üï çÎࢢçÝÎïüࢢï´Üï ¥ÝéMÐ ±x¢èüÜë ¼ çÜ ²¢ x¢²¢ ãñ J

¥¢ñÚ Ÿ¢ï‡¢è Üï ¼ã¼ à¢éh }¢ê˲ãî¢S¢ Ü è x¢‡¢Ý¢ Ü è Á¢¢Úãè ãñ ¥¢ñÚ §S¢Üï çH» Ðí¢±{¢Ý çÜ ²¢ Á¢¢ Ú㢠ãñ ¼‰¢¢ Ðí¢±{¢ÝçÜ ²¢ Á¢¢¼¢ ãñ J §Ý Ðíç¼|¢êç¼²¢ï´ Üï S¢æÏ¢æ{ }¢ï´ Ðíy²ïÜ ±x¢èüÜ Ú‡¢ Üï¥æ¼x¢ü¼ à¢éh ¥ç|¢±ëçh ÐÚ Š²¢Ý Ýãè´ çβ¢ x¢²¢ ãñ J à¢éh}¢ê˲ãî¢S¢ Ü ¢ï H¢|¢ S¢ï ç±çݲ¢ïçÁ¢¼ çÜ ²¢ x¢²¢ ãñ ¼‰¢¢ §S¢ï'çݱïࢠ©¼¢Ú Ó¢ÉG¢± Ðí¢Úçÿ¢¼ çÝç{' }¢ï´ Ú¶¢ Á¢¢¼¢ ãñ J»Ü H Ðíç¼|¢êç¼ Üï Ï¢ãè }¢ê˲ }¢ï´ ÐçÚ±¼üÝ Ýãè´ çÜ ²¢ x¢²¢ ãñ ¼‰¢¢çÜ S¢è |¢è ±¯ü }¢ï´ §S¢ Ÿ¢ï‡¢è Üï ¥æ¼x¢ü¼ }¢ê˲ãî¢S¢ Üï Ü ¢Ú‡¢ çÜ ²ïÁ¢¢Ýï ±¢Hï ¥¢±à²Ü Ðí¢±{¢Ý Ü ¢ï ±¯ü Üï H¢|¢ }¢ï´ ç±çݲ¢ïçÁ¢¼çÜ ²¢ x¢²¢ ãñ J

Á¢) »S¢»H¥¢Ú Ðíç¼|¢êç¼²¢ï´ Üï ¥æ¼x¢ü¼ 籜¢è² ±¯ü Üï çH»‘ÐçÚÐÒ¼¢ ¼Ü Ú¶¢ x¢²¢’ ¥¢ñÚ ‘çÏ¢R è Üï çH» ©ÐHÏ{’ çݱïà¢Ð¢ïÅüÈ ¢ïçH²¢ï Ü ¢ }¢ê˲¢æÜ Ý ¥æçÜ ¼ }¢ê˲ ÐÚ çÜ ²¢ x¢²¢ ãñ ¼‰¢¢Ðíç¼|¢êç¼²¢ï´ Ü è à¢ï¯ ¥±ç{, ²Îè Ü ¢ï§ü ã¢ï, Üï çH» Ðíèç}¢²}¢ ÜïÐçÚࢢï{Ý çÜ ²¢ x¢²¢ ãñ J

Û¢) ‘ÐçÚÐv±¼¢ ¼Ü Ú¶ï x¢²ï ’ Ÿ¢ï‡¢è S¢ï Ðíç¼|¢êç¼²¢ï´ Ü è çÏ¢R è ÐÚH¢|¢ Ü ¢ï H¢|¢ »±æ ã¢çÝ ¶¢¼ï }¢ï´ H¢²¢ Á¢¢¼¢ ãñ »±æ ©S¢Üï Ï¢¢Î S¢}Рꇢ ü ÚÜ }¢ Ü ¢ ï Ü ñ çÐÅH çÚÁ¢±ü ¶¢¼ï }¢ ï ´ ÐçÚࢢ ï ç{¼

7 2014

RBI/2013-14/434 RPCD. CO.

RRB. BC. No./74/03.05.33/2013-14

(HTM) AFS)'

(HTF)',

AFS HFT

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j) Rates for valuation of unquoted governmentsecurities included in “Available for Sale”category, is as per the rates declared by FinancialBenchmarks India Private Limited (FBIL).

Investments, for which such rates / quotes are notavailable, are valued as per norms laid down byReserve Bank of India, which are as under

i. Government / Approved security – onappropriate Yield to Maturity basis.

ii. SDL will be valued applying the YTMmethod by marking it up by 25 basis pointabove the yields of Central Govt. Securitiesof the equivalent maturity put out by FBILperiodically.

iii. Equity Shares, PSU and Trustee shares – atbook value as per the latest balance sheet(not more than 12 months old), otherwiseRe.1 per company.

iv. Preference Shares – on appropriate Yield toMaturity basis.

v. PSU Bonds – on Yield to Maturity basis withappropriate credit spread mark – up.

vi. Units of Mutual Funds – at the latestrepurchase price / NAV declared by theFund in respect of each scheme.

vii. Investments in Treasury Bills, CommercialPaper, Indira Vikas Patras, Kisaan VikasPatras and Certificates of Deposit atcarrying cost.

17.5 Overdue Deposits

Provision of interest on overdue deposits is madeby under mentioned procedure.

1. The rate of interest prevailing on savings accountis considered while calculating provision ofinterest on overdue deposit.

2. The period for calculation of provision is countedfrom the date of maturity till the date of theconcerned period.

17.6 Advances

a) Advances are net of total provisions made fornon-performing advances in accordance with theprudential norms prescribed by Reserve Bank of India and revised from time to time.

b) Advances are classified as Standard, Sub-standard, Doubtful or Loss assets and provisionmade on Sub-standard, Doubtful or Loss assetsas per the prudential norms of the Reserve Bankof India are as under.

çÜ ²¢ Á¢¢¼¢ ã ñ J »»È »S¢ Ÿ¢ï‡¢è }¢ï´ çݱïà¢¢ï´ Ü è çÏ¢R è S¢ï H¢|¢ Ü ¢ïH¢|¢ »±æ ã¢çÝ ¶¢¼ï }¢ï´ Hï Á¢¢²¢ Á¢¢¼¢ ãñ J

Ó¢) ‘çÏ¢R è Üï çH» ©ÐHÏ{’ Ÿ¢ï‡¢è }¢ï´ ࢢç}¢H ¥Ýv±¢ïÅïÇ S¢ÚÜ ¢ÚèÐíç¼|¢êç¼²¢ï´ Üï }¢ê˲¢æÜ Ý Ü è ÎÚï´ È ¢§üÝ¢ç‹à¢²H Ï¢ï´Ó¢}¢¢Üü §æçDz¢ Ðí¢§ü±ïÅ çHç}¢ÅïÇ ( ) m¢Ú¢ Í¢¢ï篼 Î򢕫 Üï ¥ÝéS¢¢Ú ãñ´ J

çÁ¢Ý çݱïà¢¢ï´ Üï »ïS¢ï }¢ê˲ ©ÐHÏ{ Ýãè´ ãñ´ ©ÝÜ ¢ }¢ê˲¢æÜ Ý |¢¢Ú¼è² çÚÁ¢G±üÏ¢ñ´Ü m¢Ú¢ Îࢢü» x¢» }¢¢ÐÎæÇ¢ï´ Üï ¥ÝéS¢¢Ú çÜ ²¢ x¢²¢ ãñ, Á¢¢ï çÝ}Ý ãñ :1) S¢ÚÜ ¢Úè / ¥ç{Üë ¼ Ðíç¼|¢êç¼²¢æ - S¢}¢éçÓ¢¼ ÐçÚÐÒ¼¢ ÐÚ ¥¢²

¥¢{¢Ú ÐÚ2) »S¢Çè»H Ü ¢ }¢ê˲¢æÜ Ý ±¢²Åè»}¢ ç±ç{ m¢Ú¢ »È Ϣ襢§ü»H

m¢Ú¢ S¢}¢² S¢}¢² ÐÚ çÝÜ ¢Hè x¢§ü S¢}¢¼é˲ ÐçÚÐÒ¼¢ Ü ¢ Üï ‹ÎíS¢ÚÜ ¢Ú Ü è ©ÐÁ¢ Ðíç¼|¢êç¼ Üï ªÐÚ 25 Ï¢ïçS¢S¢ Œ±¢ï§æÅ ¼Ü ¥æÜ ÝÜ ÚÜï çÜ ²¢ Á¢¢»x¢¢ J

3) §çÒÅè à¢ï²Ú, PSU ¥¢ñÚ ÅîSÅè à¢ï²Ú - ݱèݼ}¢ ¼éHÝ Ð~¢ (}¢¢ã S¢ï Ðéڢݢ Ýãè´) Üï ¥ÝéS¢¢Ú Ï¢ãè }¢ê˲ ÐÚ

4) ¥ç{}¢¢Ý à¢ï²Ú - S¢}¢éçÓ¢¼ ÐçÚÐÒ¼¢ ÐÚ ¥¢² ¥¢{¢Ú ÐÚ5) PSU Ï¢¢ò‹Ç - ÐçÚÐÒ¼¢ ÐÚ ¥¢² Üï S¢¢‰¢ S¢}¢éçÓ¢¼ Rï çÇÅ SÐíïÇ

}¢¢Üü -¥Ð ¥¢{¢Ú ÐÚ6) }Ó¢êÓ¢é¥H Èæ Ç ²éçÝÅ - ãÚ ²¢ïÁ¢Ý¢ Üï S¢æÏ¢æ{ }¢ï´ Èæ Ç m¢Ú¢ Í¢¢ï篼

ݱèݼ}¢ ÐéÝRü ² }¢ê˲ / NAV ÐÚ7) ÅîïÁ¢GÚè çÏ¢ËS¢, Ü }¢<ࢲH ÐïÐÚ, §æçÎÚ¢ ç±Ü ¢S¢ Ð~¢, çÜ S¢¢Ý

ç±Ü ¢S¢ Ð~¢ »±æ Á¢}¢¢ Ðí}¢¢‡¢ Ð~¢ - ±ãÝ H¢x¢¼ ÐÚ17.5 ¥ç¼Îï² Á¢}¢¢ Ú¢çࢥç¼Îï² Á¢}¢¢ Ú¢çࢲ¢ï´ ÐÚ Ï²¢Á¢ Ü è x¢‡¢Ý¢ ÝèÓ¢ï Îࢢü§ü x¢§ü ç±ç{ S¢ï Ü è x¢§üãñ :1) Ü Ú¢Ú ¥±ç{ Üï çãS¢¢Ï¢ S¢ï ÐçÚÐv±¼¢ Üï çÎÝ H¢x¢ê ϲ¢Á¢ Ü è ÎÚ

Š²¢Ý }¢ï´ Hè x¢§ü ãñ ¼‰¢¢ ¥ç¼Îï² Á¢}¢¢ Ú¢çࢲ¢ï´ ÐÚ Ï²¢Á¢ Ü ¢Ðí¢±{¢Ý çÜ ²¢ x¢²¢ ãñ J

2) Ðí¢±{¢Ý Ü è x¢‡¢Ý¢ Ü è ¥±ç{ Ü ¢ï ÐçÚÐv±¼¢ Ü è ¼¢Úè¶ S¢ïS¢æÏ¢ç‹{¼ ¥±ç{ Ü è ¼¢Úè¶ ¼Ü çx¢Ý¢ Á¢¢¼¢ ãñ J

17.6 ¥çx¢í}¢Ü ) ¥çx¢í}¢ |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü m¢Ú¢ çÝ{¢üçÚ¼ ¼‰¢¢ S¢}¢²-S¢}¢² ÐÚ

S¢æࢢïç{¼ çݲ}¢¢ï´ Üï ¥ÝéS¢¢Ú x¢ñÚ ©yТÎÜ ¥¢çS¼²¢ï´ Üï çH»Ðí¢±{¢Ý Üï çݱH ãñ J

¶) ¥çx¢í}¢¢ï´ Ü ¢ï }¢¢ÝÜ , ¥±}¢¢ÝÜ , S¢æçÎxÍ¢ ¥‰¢±¢ ã¢çÝ ¥¢çS¼²¢ï´ ÜïMÐ }¢ï´ ±x¢èüÜë ¼ çÜ ²¢ x¢²¢ ãñ ¼‰¢¢ |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üïç±±ïÜ Ðꇢü }¢¢ÝÎæÇ¢ï´ Üï ¥ÝéS¢¢Ú ¥±}¢¢ÝÜ , S¢æçÎx{ ¥‰¢±¢ ã¢çÝ¥¢çS¼²¢ï´ ÐÚ çÜ » x¢» Ðí¢±{¢Ý çÝ}ÝçH綼 ãñ´ :

FBIL

12

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c) Provision @ 0.25% is made on Standardadvances for Agriculture & SME, 1.00% for RealEstate Exposure & 0.40% for other Advances.The provision on Standard Asset is includedunder the head ‘Other Liabilities and provision’ asper guidelines issued by Reserve Bank of India.

17.7 FixedAssets

a) Fixed assets are stated at cost of acquisition lessaccumulated depreciation and impairmentlosses, if any.

b) The cost of asset includes taxes, duties, freightand other incidental expenses related to theacquisition and installation of the respectiveassets.

c) The Fixed Assets are classified as per thedecision taken by the Management and are beingfollowed consistently.

Premises include land and building.

17.8 Depreciation

a) Bank has changed its policy of chargingdepreciation on fixed assets from the F.Y. 2015-16. Accordingly, the depreciation is charged fromactual date of purchase for useful life of assetsinstead of charging the same on financial yearbasis.

Depreciation is charged on Computers on straightline basis and on other fixed asset on Writtendown value basis over useful lives of fixed assetsas given below :

i ¥±}¢¢ÝÜ 10% S¢éÚçÿ¢¼ |¢¢x¢ ÐÚ¥¢çS¼²¢æ 20% ¥S¢éÚçÿ¢¼ |¢¢x¢ ÐÚ

ii S¢æçÎx{ ¥¢çS¼²¢æ 100% ¥S¢éÚçÿ¢¼ |¢¢x¢ ÐÚ + 20% /

30% / 100% S¢éÚçÿ¢¼ |¢¢x¢ ÐÚ ¥çx¢í}¢ çÜ ¼Ýè ¥±ç{ Üï çH» S¢æçÎx{ Ÿ¢ï‡¢è }¢ï´Úã¢, §S¢Üï ¥¢{¢Ú ÐÚ J

iii ã¢çÝx¢¼ ¥¢çS¼²¢æ 100%

x¢) Üë ç¯ ÿ¢ï~¢ »±æ »S¢»}¢§ü Üï }¢¢ÝÜ ¥çx¢í}¢¢ï´ ÐÚ 0.25%, çÚ²H»SÅïÅ »vS¢Ð¢ïÁ¢GÚ ÐÚ 1.00% »±æ ¥‹² ¥çx¢í}¢¢ï´ ÐÚ 0.40% Ü èÎÚ S¢ï Ðí¢±{¢Ý çÜ ²¢ Á¢¢¼¢ ãñ J çÚÁ¢±ü Ï¢ñ´Ü ¥¢òÈ §æçDz¢ m¢Ú¢ Á¢¢ÚèçÎࢢçÝÎïüà¢¢ï´ Üï ¥ÝéS¢¢Ú }¢¢ÝÜ ¥¢çS¼²¢ï´ ÐÚ Ðí¢±{¢Ý Ü ¢ï ‘¥‹²Îï²¼¢»æ »±æ Ðí¢±{¢Ý’ ±x¢ü }¢ï´ ࢢç}¢H çÜ ²¢ Á¢¢¼¢ ãñ J

17.7 ¥Ó¢H ¥¢çS¼²¢æÜ ) ¥Ó¢H ¥¢çS¼²¢æ S¢¢}¢¢‹²¼: ÐÚæÐÚ¢x¢¼ }¢ê˲ ÐÚ }¢ê˲¢æçÜ ¼ ¼‰¢¢

}¢ê˲ãî¢çS¢¼ }¢ê˲ ÐÚ Îࢢü§ü x¢§ü ãñ JÐçÚS¢æÐ眢²¢ï´ Ü è H¢x¢¼ }¢ï´ Ü Ú, Ü ¼üò¢ï´, }¢¢H ÎéH¢§ü ¥¢ñÚ S¢æÏ¢æç{¼ÐçÚS¢æÐ眢²¢ï´ Üï ¥ç{x¢í㇢ ¥¢ñÚ S‰¢¢ÐÝ¢ S¢ï S¢æÏ¢æç{¼ ¥‹²¥¢Ü çS}¢Ü ¶Ó¢ü ࢢç}¢H ãñ J

¶) ¥Ó¢H ¥¢çS¼²¢ïæ ÐÚ ±x¢èüÜ Ú‡¢ ÐíÏ¢æ{Ý m¢Ú¢ çH» x¢» ç݇¢ü² Üï¥ÝéS¢¢Ú çÜ ²¢ x¢²¢ ãñ ¼‰¢¢ ©S¢Ü ¢ Hx¢¢¼¢Ú ¥ÝéТHÝ çÜ ²¢ Á¢¢ Ú㢠ãñ J

x¢) ÐçÚS¢Ú }¢ï´ |¢êç}¢ ± §ü}¢¢Ú¼ ࢢç}¢H ãñ J17.8 }¢ê˲ãî¢S¢Ü ) Ï¢ñ´Ü Ýï 籜¢è² ±¯ü S¢ï ¥Ó¢H ¥¢çS¼²¢ï´ ÐÚ }¢ê˲ãî¢S¢

Ü è x¢‡¢Ý¢ Ü è Ýèç¼ }¢ï´ Ï¢ÎH¢± çÜ ²¢ x¢²¢ ãñ, çÁ¢S¢Üï ¥ÝéS¢¢Ú}¢ê˲ãî¢S¢ ¥Ï¢ ÐêÚï 籜¢è² ±¯ü ÐÚ »Ü ãè Ó¢¢Á¢ü Üï Ï¢Á¢¢² ¶ÚèÎÜ è ±¢S¼ç±Ü ç¼ç‰¢ S¢ï Hx¢ïx¢¢ JÁ¢ñS¢ï Ü è çÝ}Ý Î<ࢼ ¼¢çHÜ ¢ }¢ï´ Îࢢü²¢ x¢²¢ ãñ, Ü }Œ²êÅÚ ÐÚS¢è{è Úﶢ Üï ¥¢{¢Ú ÐÚ ¥¢ñÚ ¥‹² ¥æÓ¢H S¢æÐ眢²¢ï´ ÐÚ ¥Ó¢HS¢æÐ眢²¢ï´ Üï ©Ð²¢ïx¢è Á¢è±Ý ÐÚ çH綼 }¢ê˲ Üï ¥¢{¢Ú ÐÚ}¢ê˲ãî¢S¢ Hx¢¢²¢ Á¢¢¼¢ ãñ J

2015-16

i Sub-Standard 10% on secured portionAssets 20% on unsecured portion

ii DoubtfulAssets 100% of unsecured portion plus20% / 30% / 100% of thesecured portion depending onthe period for which the advancehas remained doubtful.

iii LossAssets 100%

Assets Useful Life

60 Years

10 Years

15 Years

05 Years

03 Years

08 Years

Premises / Building

Furniture & Fitting

Plant & Machinery

Office Equipments

Computers

Vehicles

60

10

15

05

03

08

±¯ü±¯ü±¯ü±¯ü±¯ü±¯ü

¥¢çS¼ Á¢è±ÝÐçÚS¢Ú / çÏ¢ËÇè´x¢È ÝèüÓ¢Ú »±æ çÈ Åè´x¢ŒH¢æÅ »±æ }¢à¢èÝÚèÜ ¢²¢üH² ©ÐÜ Ú‡¢Ü }Œ²éÅÚ±¢ãÝ

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b) Depreciation on assets sold during the year isrecognized on pro-rata basis to the Profit & LossAccount till the date of sale.

17.9 Employee Benefits

a) Gratuity Liability is provided for as per provisionsof payment of Gratuity Act, on the basis ofvaluation determined by LIC of India. For GratuityLiability, bank has taken Group Gratuity Policyfrom LIC of India and India First Life Insurance Co.Ltd.

b) Liability for Encashment of accumulated privilegeLeave is provided for based on valuationdetermined by LIC of India. For LeaveEncashment Liability Bank has taken GroupLeave Encashment Policy from LIC of India.

c) Contribution to the Provident Fund is charged toProfit & LossA/c.

d) Pension

a) Pension liability is a defined benefitobligation under Indian Bank (Employees)Pension Regulations 1995 and is providedfor on the basis of actuarial valuation, for theemployees who have joined Bank up to31.03.2010 and opted for pension.

b) New Pension Scheme (NPS) which isapplicable to employees who joined bank onor after 01.04.2010 and it is a definedcontribution scheme. Under NPS the Bankpays fixed contribution at pre-determinedrate and the obligation of the Bank is limitedto such fixed contribution. The contributionis charged to Profit and LossAccount.

17.10 Taxes on Income

This comprises of Provision for Income Tax anddeferred tax charge or credit as determined inaccordance with Accounting Standard 22 of ICAI.Deferred tax is recognized subject toconsideration of prudence in respect of items ofincome and expenses those arise at one point oftime and are capable of reversal in one or moresubsequent periods. Deferred tax assets arerecognized subject to the management’sjudgment that realization is more likely or not.Deferred tax assets and liabilities are measuredusing enacted tax rates expected to apply totaxable income in the years in which the timingdifferences are expected to be received, settled orreversed. The effect on deferred tax assets andliabilities of a change in tax rates is recognized inthe income statement in the period of enactment of the change.

¶) ±¯ü Üï ΢ñÚ¢Ý Ï¢ïÓ¢è x¢§ü S¢æÐ眢²¢ï´ ÐÚ }¢ê˲ãî¢S¢ çÏ¢R è Ü è ¼¢Úè¶¼Ü H¢|¢ »±æ ã¢çÝ JÜ }¢üÓ¢¢Úè H¢|¢ :

Ü ) ©ÐÎ¢Ý ¥ç{çݲ}¢ Üï |¢éx¢¼¢Ý Ðí¢±{¢Ý¢ï´ Üï ¥ÝéS¢¢Ú ©Ð΢ÝÎï²¼¢ Ü ¢ Ðí¢±{¢Ý |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ m¢Ú¢ çÝ{¢üçÚ¼}¢ê˲¢æÜ Ý Üï ¥¢{¢Ú ÐÚ çÜ ²¢ Á¢¢¼¢ ãñ J ©ÐÎ¢Ý Îï²¼¢ Üï çH»Ï¢ñ´Ü Ýï |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ ¼‰¢¢ §æçDz¢ È SÅü H¢§È§æಢïÚï´S¢ Üæ . çH. S¢ï x¢íéÐ ©ÐÎ¢Ý Ð¢òçHS¢è Hè ãñ J

¶) S¢æçÓ¢¼ S¢éç±{¢ ¥±Ü ¢à¢ Üï ÝÜ ÎèÜ Ú‡¢ Ü è Îï²¼¢ Ü ¢ Ðí¢±{¢Ý|¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ m¢Ú¢ çÝ{¢üçÚ¼ çÜ ²¢ x¢²¢ ãñ J ¥±Ü ¢à¢ÝÜ ÎèÜ Ú‡¢ Îï²¼¢ Üï çH» Ï¢ñ´Ü Ýï |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢S¢ï x¢íéÐ ¥±Ü ¢à¢ ÝÜ ÎèÜ Ú‡¢ ТòçHS¢è Hè ãñ J

x¢) |¢ç±c² çÝç{ ¥æà¢Î¢Ý Ü ¢ï H¢|¢ »±æ ã¢çÝ ¶¢¼ï }¢ï´ Ðí|¢¢çÚ¼ çÜ ²¢Á¢¢¼¢ ãñ J

Í¢) Ðï´à¢Ý») Ðï´à¢Ý ΢ç²y± |¢¢Ú¼è² Ï¢ñ´Ü (Ü }¢üÓ¢¢Úè) Ðï´à¢Ý ç±çݲ}¢Ý

1995 Üï ¼ã¼ ÐçÚ|¢¢ç¯¼ H¢|¢Î¢ç²y± ãñ ¥¢ñÚ ±ñS¢ïÜ }¢üÓ¢¢Úè Á¢¢ï 31-3-2010 ¼Ü Ï¢ñ´Ü }¢ï´ ࢢç}¢H ã¢ï x¢» ãñ´¥¢ñÚ Ðï´à¢Ý Ü ¢ Ó¢²Ý çÜ ²¢ ãñ, Üï Ï¢è}¢¢æçÜ Ü }¢ê˲¢æÜ Ý Ü異{¢Ú ÐÚ ÐíÎ¢Ý çÜ ²¢ Á¢¢¼¢ ãñ J

Ï¢è) ݧü Ðï´à¢Ý ²¢ïÁ¢Ý¢ (»ÝÐè»S¢) ©Ý Ü }¢üÓ¢¢çÚ²¢ï´ ÐÚ H¢x¢êã¢ï¼è ãñ, Á¢¢ï 1-4-2010 Ü ¢ï ²¢ ©S¢Üï Ï¢¢Î Ï¢ñ´Ü }¢ï´ ࢢç}¢Hãé» ¥¢ñÚ ²ã »Ü ÐçÚ|¢¢ç¯¼ ²¢ïx¢Î¢Ý ²¢ïÁ¢Ý¢ ãñ J »ÝÐè»S¢Üï ¼ã¼ Ï¢ñ´Ü Ðê±üçÝ{¢üçÚ¼ ÎÚ ÐÚ çÝçp¼ ²¢ïx¢Î¢Ý Îï¼¢ ãñ¥¢ñÚ Ï¢ñ´Ü Ü ¢ ΢ç²y± »ïS¢ï çÝçp¼ ²¢ïx¢Î¢Ý ¼Ü S¢èç}¢¼ ãñ J²ã ²¢ïx¢Î¢Ý H¢|¢ ¥¢ñÚ ã¢Ýè ¶¢¼ï´ S¢ï çH²¢ Á¢¢¼¢ ãñ J

¥¢² ÐÚ Ï²¢Á¢ :§S¢}¢ï´ ¥¢²Ü Ú, ôÈ íÁ¢ Ï¢ïçÝçÈ Å ÅñvS¢ ¼‰¢¢ çÇÈ Çü ÅñvS¢ Ðí|¢¢Ú ÜïçH» Ðí¢±{¢Ý ²¢ ¥¢§üS¢è»¥¢§ü Üï Hﶢ }¢¢ÝÜ Üï ¥ÝéMв‰¢¢çÝ{¢üçÚ¼ Á¢}¢¢ ࢢç}¢H ãñ J ¥¢²Ü Ú }¢ï´ ±¼ü}¢¢Ý Ü Ú Ðí¢±{¢Ý¥¢ñÚ ±¯ü }¢ï´ ¥¢S‰¢çx¢¼ Ü Ú ¥¢çS¼ ²¢ Îï²¼¢ }¢ï´ à¢éh ÐçÚ±¼üÝࢢç}¢H ãñ J ¥¢S‰¢çx¢¼ Ü Ú Ü è ÐãÓ¢¢Ý ©Ý ¥¢² ± ò² Ü è }¢Î¢ï´Üï Ï¢¢Úï }¢ï´ ç±±ïÜ Ðꇢü ç±Ó¢¢Ú Üï ¥{èÝ ãñ´ Á¢¢ï Ï¢¢Î Ü è ¥ç{Ü¥±ç{ }¢ï´ Ðíy²¢±¼üÝ ²¢ïx² ãñ J ¥¢S‰¢çx¢¼ Ü Ú ¥¢çS¼²¢ï´ Ü èÐãÓ¢¢Ý ÐíÏ¢æ{Ý Üï ç݇¢ü² Üï ¥{èÝ ã¢ï¼è ãñ çÜ ±S¢êHè ã¢ïÝï Ü èS¢æ|¢¢±Ý¢ ãñ ¥‰¢±¢ Ýãè´ J ¥¢S‰¢çx¢¼ Ü Ú ¥¢çS¼²¢ï´ ¥¢ñÚÎï²¼¢¥¢ïæ Ü è x¢‡¢Ý¢ H¢x¢ê Ü Ú ÎÚ¢ï´, Á¢¢ï çÜ ©Ý ±¯¢ïZ }¢ï´ Ü Ú ²¢ïx²¥¢² ÐÚ H¢x¢ê Ü è Á¢¢ S¢Ü ¼è ãñ çÁ¢Ý ±¯¢ïZ }¢ï´ ¥æ¼Ú Ðí¢# ã¢ïÝï, ¼²ã¢ïÝï ¥‰¢±¢ Ðíy²¢±<¼ ã¢ïÝï Ü è S¢æ|¢¢±Ý¢ ãñ J Ü Ú Ü è Î򢕫 }¢ï´ÐçÚ±¼üÝ Ü è ¥¢çS¼²¢æ ¥¢ñÚ Îï²¼¢¥¢ïæ Üï Ðí|¢¢± Ü è ÐãÓ¢¢ÝÐçÚ±¼üÝ H¢x¢ê ã¢ïÝï Ü è ¥±ç{ }¢ï´ ¥¢² Üï ç±±Ú‡¢ Ð~¢Ü }¢ï´ Ü èÁ¢¢¼è ãñ J

17.9

17.10

22

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17.11 Provisions, Contingent Liabilities andContingentAssets

As per the Accounting Standard 29 (“Provisions,Contingent Liabilities and Contingent Assets”)issued in this regard by the Institute of CharteredAccountants of India, the Bank recognizesprovisions only when it has a present obligation asa result of a past event, it is probable that anoutflow of resources embodying economicbenefits will be required to settle the obligationand when a reliable estimate of the amount of theobligation can be made.

Contingent Assets are not recognized in theFinancial Statement since this may result in therecognition of income that may never be realized.

17.12 Cash and Cash equivalents

Cash and cash equivalents include Cash in handand balance with RBI.

Schedule - 18 : NOTES ONACCOUNTS:

18.1 Brief Introduction:

As per Department of Financial Services, Ministryof Finance, Government of India Notificationdated 22-02-2019, the Central Government inexercise of power conferred by sub-section(1) ofsection 23A of Regional Rural Bank Act, 1976 (21of 1976) provides amalgamation of BarodaGujarat Gramin Bank and Dena Gujarat GraminBank functioning in the State of Gujarat wereamalgamated into a single Regional Rural Bankand the name of new entity is Baroda GujaratGramin Bank with its Head office at Vadodara witheffect from 01-04-2019.

18.2 Capital to Risk Weighted Assets Ratio:(CRAR)

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

ç±±Ú‡¢Particulars

i. CRAR (%) 09.68% 10.22%

ii. 1 % 08.18% 8.68%

CRAR - Tier I Capital (%)

iii. 2 % 1.50% 1.54%

CRAR - Tier II Capital (%)

iv. Percentage of the shareholding of the

a. Government of India 50% 50%

b. State Government 15% 15%

c. Sponsor Bank 35% 35%

Á¢¢ïç¶}¢ |¢¢çÚ¼ ÐçÚS¢}Ð眢 Ü è ¼éHÝ¢ }¢ï´ ÐêæÁ¢è ¥ÝéТ¼ Á¢¢ïç¶}¢ |¢¢çÚ¼ ÐçÚS¢}Ð眢 Ü è ¼éHÝ¢ }¢ï´ ÐêæÁ¢è ¥ÝéТ¼ (Åè²Ú , ÐêæÁ¢è )

Á¢¢ïç¶}¢ |¢¢çÚ¼ ÐçÚS¢}Ð眢 Ü è ¼éHÝ¢ }¢ï´ ÐêæÁ¢è ¥ÝéТ¼ (Åè²Ú , ÐêæÁ¢è )

à¢ï²Ú{¢ÚÜ ¢ï´ Üï Ðíç¼à¢¼ |¢¢Ú¼ S¢ÚÜ ¢ÚÚ¢Á² S¢ÚÜ ¢ÚÐí¢²¢ïÁ¢Ü Ï¢ñ´Ü

R }¢No.

17.11

29

17.12

18

18.1

22-2-2011

1976 1976 21 23

1

1-4-2019

18.2

CRAR

Ðí¢±{¢Ý, ¥¢Ü çS}¢Ü ΢ç²y± »±æ ¥¢Ü çS}¢Ü S¢}Ð眢²¢æ :

Hﶢ }¢¢ÝÜ (Ðí¢±{¢Ý, ¥¢Ü çS}¢Ü Îï²¼¢ ¼‰¢¢ ¥¢Ü çS}¢Ü¥¢çS¼) Üï ¥ÝéS¢¢Ú, Á¢¢ï §‹SÅèÅKêÅ ¥¢òÈG Ó¢¢ÅüÇü »Ü ¢©æÅìS¢¥¢òÈ §æçDz¢ m¢Ú¢ Á¢¢Úè çÜ ²¢ x¢²¢ ãñ, Ï¢ñ´Ü Ðí¢±{¢Ý¢ï´ Ü è ÐãÓ¢¢ÝÜï ±H ¼|¢è Ü Ú¼¢ ãñ´ Á¢Ï¢ çÜ ç±x¢¼ Ü ¢²ü Üï ÐçÚ‡¢¢}¢ S±MÐ §S¢ÐÚ ±¼ü}¢¢Ý }¢ï´ Ï¢¢Š²¼¢ ãñ J ²ã S¢æ|¢± ãñ çÜ S¢æS¢¢{Ý¢ï´ Ü ¢ çÝx¢ü}¢ÝçÁ¢S¢S¢ï ¥¢<‰¢Ü H¢|¢ ãñ, ΢ç²y± Ü ¢ï ¼² Ü ÚÝï Üï çH»¥¢±à²Ü ã¢ïx¢¢ ¥¢ñÚ Á¢Ï¢ ΢ç²y± Ú¢çà¢ Ü ¢ ç±ES¢Ýè² ¥Ýé}¢¢ÝHx¢¢²¢ Á¢¢ S¢Ü ¼¢ ã¢ï J籜¢è² ç±±Ú‡¢ Ð~¢Ü }¢ï´ ¥¢Ü çS}¢Ü ¥¢çS¼²¢ï´ Ü ¢ï Ýãè´ çH²¢ x¢²¢ ãñ v²¢ï´çÜ §S¢S¢ï »ïS¢è ¥¢² }¢¢‹² ã¢ï S¢Ü ¼è ãñ Á¢¢ï Ü |¢è Ðí¢#Ýãè´ ã¢ïx¢è JÝx¢Î »±æ Ýx¢Î S¢}¢Ü ÿ¢

Ýx¢Î »±æ Ýx¢Î S¢}¢Ü ÿ¢ }¢ï´ ©ÐHÏ{ ÝÜ Îè »±æ ¥¢ÚϢ襢§ü ÜïТS¢ 좆 ¢²¢ Ú¢çࢠࢢç}¢H ãñ J

¥ÝéS¢êÓ¢è - : Hï¶¢ï´ ÐÚ çŌЇ¢è²¢æ :籜¢è² S¢ï±¢ ç±|¢¢x¢, 籜¢ }¢æ~¢¢H², |¢¢Ú¼ S¢ÚÜ ¢Ú Ü è çÎÝ¢æÜ

Ü è ¥ç{S¢êӢݢ Üï ¥ÝéS¢¢Ú Üï ‹Îí S¢ÚÜ ¢Ú Ýï ÿ¢ï~¢è²x¢í¢}¢è‡¢ Ï¢ñ´Ü ¥ç{çݲ}¢ ( Ü è ) {¢Ú¢ » Ü è©Ð{¢Ú¢ ( ) m¢Ú¢ ÐíÎœ¢ à¢çQ Üï Ðí²¢ïx¢ }¢ï´ x¢éÁ¢Ú¢¼ Ú¢Á² }¢ï´Ü ¢²üÚ¼ ÎïÝ¢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü Ü ¢ Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢Ï¢ñ´Ü }¢ï´ S¢}¢¢}¢ïHÝ çÜ ²¢ ¥¢ñÚ Ý§ü §üÜ ¢§ü Ü ¢ Ý¢}¢ S¢ïÏ¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü ãñ, çÁ¢S¢Ü ¢ }¢éw²¢H² ±Ç¢ïÎÚ¢ }¢ï´ ãñJÁ¢¢ïç¶}¢ |¢¢çÚ¼ ÐçÚS¢}Ð眢 Ü è ¼éHÝ¢ }¢ï´ ÐêæÁ¢è ¥ÝéТ¼( )

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General Provisions and Loss Reserves under Tier– II capital elements of ` 2806.24 lakh is available.However, admitted up to ` 2306.24 lakh i.e. below1.25% of Risk-weighted Assets of ` 186704.63lakh to comply with directions issued by RBI videthe i r c i rcu lar no. RBI /2007-2008/218RPCD.CO.RRB.No.BC.44/ 05.03.095/2007-08dated 28-12-2007.

18.3 During the period, an amount of ` 118.12 lakh(Previous Year ` 92.46 lakh) has been charged toProfit & Loss Account towards amortization ofpremium paid on investment.

18.4 Profit on Sale / redemption of investment is` 220.61 lakh (Previous Year ` 100.79 lakh)during the current Fiscal.

S¢¢}¢¢‹² Ðí¢±{¢Ý »±æ ã¢çÝ ¥¢Úçÿ¢¼ }¢ï´ Å¢²Ú-2 Üï ÐêæÁ¢è ¼œ±¢ï´Üï ¼ã¼ H¢¶ LÐ²ï ©ÐHÏ{ ãñ J ã¢H¢æçÜ ,¥¢ÚϢ襢§ü Üï ÐçÚÐ~¢ S¢ æw²¢ 2007-2008/218

PRCD.CO.RRB.BC.44/05.03.095/2007-08 çÎÝ¢æÜ28-12-2007 Ü ï çÝÎï üࢢ ï ´ Ü ï ¥ÝéТHÝ Ü ÚÝï Ü ï çH»

H¢¶ LÐ²ï ²¢çÝ H¢¶ Lвï Ü èÁ¢¢ïç¶}¢ |¢¢çÚ¼ ¥¢çS¼²¢ï´ Üï S¢ï ÝèÓ¢ï }¢¢‹² Ú¶ï x¢» J

18.3 ¥±ç{ Üï ΢ñÚ¢Ý 118.12 H¢¶ (çÐÀHï ±¯ü 92.46 H¢¶)Ü è Ú¢çࢠçݱïࢠÐÚ Ó¢éÜ ¢» x¢» Ðíèç}¢²}¢ Üï ÐçÚࢢï{Ý Üï çH»H¢|¢ ã¢çÝ ¶¢¼ï }¢ï´ Ðí|¢¢çÚ¼ Ü è x¢§ü J

18.4 ±¼ü}¢¢Ý 籜¢è² ±¯ü Üï ΢ñÚ¢Ý çݱïࢠÜï ç±R ²-ÐéÝ:Ðí¢ç# ÐÚ H¢|¢ 220.61 H¢¶ (x¢¼ ±¯ü }¢ï´ 100.79 H¢¶) ãñ J

` 2806.24

` 2306.24 ` 186704.63

1.25%

` `

`. `

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

ç±±Ú‡¢Particulars

1. Value of Investments

i. Gross Value of Investments 137501.60 104378.64

ii. Provision for Depreciation 501.00 501.00

iii. Net Value of Investments 137000.60 103877.64

2.

Movement of provisions held towards depreciation in investments

i. Opening Balance 501.00 501.00

ii. Add. : Provision made during the year NIL NIL

iii.

Less : Write Off / Write Back of excess provisions during the year NIL NIL

iv. Closing Balance 501.00 501.00

çݱïà¢ Ü ¢ }¢ê˲ çݱïà¢ Ü ¢ S¢Ü H }¢ê˲ }¢ê˲ãî¢S¢ Ü ¢ Ðí¢±{¢Ý çݱïà¢ Ü ¢ Üé H }¢ê˲ çݱïࢠÐÚ }¢ê˲ãî¢S¢ ÐÚ çÜ ²¢ x¢²¢ Ðí¢±{¢Ý Ü ¢ S¢æÓ¢HÝ

¥¢çÎ à¢ï¯ Á¢¢ïÇïG : ±¯ü Üï ΢ñÚ¢Ý çÜ » x¢» Ðí¢±{¢Ý Ü }¢ Ü Úï´ : ±¯ü Üï ΢ñÚ¢Ý Ï¢^ï ¶¢¼¢ï´ }¢ï´ Ç¢Hï x¢» ¥ç¼çÚQ Ðí¢±{¢Ý

¥æ¼ à¢ï¯

R }¢No.

(Amt. ` in lakh)(Ú¢çࢠH¢¶ }¢ï´)`.

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

ç±±Ú‡¢Particulars

1. Provision for Income Tax -- 448.83¥¢²Ü Ú Ðí¢±{¢Ý

R }¢No.

(Amt. ` in lakh)(Ú¢çࢠH¢¶ }¢ï´)`.

18.6 Amount of provisions mad for Income Tax during theyear :

18.6 ±¯ü Üï ΢ñÚ¢Ý ¥¢²Ü Ú ãï¼é Ü è çÜ » x¢» Ðí¢±{¢Ý Ü è Ú¢çࢠ:

18.5 INVESTMENT :18.5 çݱïà¢

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18.7 Deferred Tax Asset arising during the year of` 39.53 lakh has not been recognized in the booksof accounts as there is no possibility of reversal ofdeferred tax assets in the forthcoming years.

18.8 During the year under consideration, As per theValuation determined by the LIC of India towardsthe liability of Gratuity as on 31st March, 2019amounts to ` 4993.59 Lakh and Fund value (withapproximate interest accrued) with LIC of India &India First Life Insurance Co. Ltd together is` 4993.59 Lakh.

During the year, the Bank has paid ` 523.74 Lakhand charged to Profit & LossA/c (Schedule: 16).

18.9 During the year under consideration, as per thevaluation determined by the LIC of India towards

stthe liability of Leave Encashment as on 31March, 2018 amounts to ` 2260.64 Lakh and fundvalue (with approximate interest accrued) is` 2375.93 Lakh with LIC of India.

During the year, the Bank has paid ` 72.34 Lakhand charged to Profit & LossA/c (Schedule: 16).

18.9.1 Defined Benefit Plans: PENSION

(A) Pension liability is a defined benefit obligationunder “Baroda Gujarat Gramin Bank(Employees’) Pension Regulations, 2018" and isprovided for on the basis of actuarial valuation, forthe employees who have joined Bank up to31.03.2010 and opted for pension. The entireliability is unfunded and therefore there are noplan assets for this year.

The summarized position of Post-employmentbenefits and long-term employee benefitsrecognized in the Profit & Loss Account andBalance Sheet as required in accordance withAccounting Standard – 15 (Revised) are as under:

The following table sets out the basis of theDefined Benefit Pension Plan actuarial valuationby the independent Actuary appointed by theBank (this being the first year, previous yearfigures are NIL)

(Amt. ` in lakh)(Ú¢çࢠH¢¶ }¢ï´)`

Ú¢çà¢Amount

ç±±Ú‡¢Particulars

1. ` 113.14

On account of Depreciation gap of `. 113.14 Lacs on fixed assets during the year. 39.53 (DTA)

Total Deferred Tax Assets 39.53 (DTA)

±¯ü Üï ΢ñÚ¢Ý ¥Ó¢H ¥¢çS¼²¢ï´ ÐÚ }¢ê˲ãî¢S¢ Ü ¢ ¥æ¼Ú H¢¶ ‰¢¢

çÝÏ¢H ¥¢çS‰¢x¢ç¼ Ü Ú ¥¢çS¼²¢æ

R }¢No.

18.7 ±¯ü Üï ΢ñÚ¢Ý ©yÐó¢ H¢¶ Ü è ¥¢S‰¢çx¢¼ Ü Ú S¢æÐ眢,Hﶢ Ï¢çã²¢æ }¢ï´ }¢¢‹² Ýãè´ Ú¶è x¢²è ãñ çÁ¢S¢S¢ï ¥¢Ýï ±¢Hï ±¯¢ïZ }¢ï´S‰¢çx¢¼ Ü Ú ÐçÚS¢æÐ眢²¢ï´ Üï ©yR }¢‡¢ Ü è Ü ¢ï§ü S¢æ|¢¢±Ý¢ Ýãè´ ãñ J

` 39.53

18.8 S¢}¢èÿ¢¢{èÝ ±¯ü Üï ΢ñÚ¢Ý, |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ Ü èx¢íéÐ x¢íïÓ²êÅè SÜ è}¢ Ü ¢ çÝç{ }¢ê˲ çÎÝ¢æÜ 31 -03 - 2019 Ü ¢ï

4993.59 H¢¶ ¼‰¢¢ |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ ¥¢ñÚ§ æçDz¢ È SÅü H¢§È §‹S²¢ ïÚ ï ´S¢ Ü ¢ Ü é H çÝç{ }¢ ê˲

4993.59 H¢¶ ãñ J±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï 191.80 H¢¶ Ü ¢ |¢éx¢¼¢Ý çÜ ²¢ ¼‰¢¢§S¢ï H¢|¢-ã¢çÝ ¶¢¼ï´ }¢ï´ Ðí|¢¢çÚ¼ çÜ ²¢ x¢²¢ J (¥ÝéS¢êçÓ¢ 16)

18.9 S¢}¢èÿ¢¢{èÝ ±¯ü Üï ΢ñÚ¢Ý, ¥±Ü ¢à¢ ÝÜ ÎèÜ Ú‡¢ Ü è Îï²¼¢ ÜïçH» |¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ m¢Ú¢ çÜ » x¢» }¢ê˲¢æÜ Ý Üï¥ÝéS¢¢Ú 31 }¢¢Ó¢ü, 2019 Ü ¢ï Ú¢çࢠ2260.64 H¢¶ ¼‰¢¢|¢¢Ú¼è² Á¢è±Ý Ï¢è}¢¢ çÝx¢}¢ Üï ТS¢ çÝç{ }¢ê˲ 2375.93

H¢¶ (¥Ýé}¢¢çݼ ©Ð¢<Á¢¼ ϲ¢Á¢ Üï S¢¢‰¢) ãñ J±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´Ü Ýï 72.34 H¢¶ Ü ¢ |¢éx¢¼¢Ý çÜ ²¢ ¼‰¢¢§S¢ï H¢|¢-ã¢çÝ ¶¢¼ï }¢ï´ Ðí|¢¢çÚ¼ çÜ ²¢ x¢²¢ J (¥ÝéS¢êçÓ¢ 16)

18.9.1 ÐÚè|¢¢ç¯¼ H¢|¢ ²¢ïÁ¢Ý¢»¡ : Ðï´à¢ÝÐï´à¢Ý ΢ç²y± "Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü (Ü }¢üÓ¢¢Úè) Ðï´à¢Ýç±çÝ}¢² 2018" Üï ¼ã¼ ÐçÚ|¢¢ç¯¼ H¢|¢ ΢ç²y± ãñ ¥¢ñÚ Á¢¢ïÜ }¢üÓ¢¢Úè 31-3-2010 ¼Ü Ï¢ñ´Ü }¢ï´ ࢢç}¢H ã¢ï x¢» ãñ´ ¥¢ñÚÐï´à¢Ý Ü ¢ Ó¢²Ý çÜ ²¢ ãñ, Üï Ï¢è}¢¢æçÜ Ü }¢ê˲¢æÜ Ý Üï ¥¢{¢ÚÐÚ ÐíÎ¢Ý çÜ ²¢ Á¢¢¼¢ ãñ J S¢}Ðꇢü Îï²¼¢ ¥ç±œ¢Ð¢ï篼 ãñ ¥¢ñÚ§S¢çH» §S¢ ±¯ü Üï çH» Ü ¢ï§ü ²¢ïÁ¢Ý¢ ¥¢çS¼ Ýãè´ ãñ JH¢|¢ ¥¢ñÚ ã¢Ýè ¶¢¼¢ ¼‰¢¢ ¼éHÝÐ~¢ }¢ï´ }¢¢‹²¼¢ Ðí¢#Ú¢ïÁ¢x¢¢Ú¢ïÐÚ¢æ¼ H¢|¢ ¥¢ñÚ çÎÍ¢üÜ ¢çHÜ Ü }¢üÓ¢¢Úè H¢|¢¢ï´ Ü èS¢æÿ¢ïçм çS‰¢ç¼, Á¢ñS¢¢ Ü è HﶢæÜ Ý }¢¢ÝÜ -15 (S¢æࢢïç{¼)Üï ¥ÝéS¢¢Ú ¥¢±à²Ü ãñ, çÝ}Ý¢ÝéS¢¢Ú ãñ :çÝ}Ý ¼¢çHÜ ¢ Ï¢ñ´Ü m¢Ú¢ çݲéQ S±¼æ~¢ »Bé¥Úè m¢Ú¢ÐÚè|¢¢ç¯¼ H¢|¢Ü ¢Úè Ðï´à¢Ý ²¢ïÁ¢Ý¢ Ï¢è}¢¢æçÜ Ü }¢ê˲¢æÜ Ý Ü ¢¥¢{¢Ú çÝ{¢üÚè¼ Ü Ú¼è ãñ J (²ã Ð퉢}¢ ±¯ü ã¢ïÝï Üï Ü ¢Ú‡¢,çÐÀHï ±¯ü Üï ¥¢æÜ Çï ÝèH ãñ J)

`

`

`

`

`

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31/03/2019

The estimates of future salary increases are consideredtaking into account inflation, seniority, promotion andother relevant factors, such as supply and demand in theemployment market and in tandem with FundingGuidelines for Superannuation Schemes communicatedby Govt. of India. Such estimates are very long term and are not based on limited past experience / immediatefuture. Empirical evidence also suggests that in very longterm, consistent high salary growth rates are not possible.

Current Year 2018-19 : Employee Pension

|¢ç±c² Üï ±ï¼Ý±ëçh Üï ¥Ýé}¢¢Ý¢ï´ Ü ¢ï }¢éÎí¢SÈ èç¼, ±çÚD¼¢, Ð΢ïó¢ç¼¥¢ñÚ ¥‹² Ðí¢S¢æçx¢Ü Ü ¢ÚÜ ¢ï´, Á¢ñS¢ï Ú¢ïÁ¢x¢¢Ú, Ï¢¢Á¢¢Ú }¢ï´ ¥¢Ðê<¼ ¥¢ñÚ }¢¢æx¢¼‰¢¢ |¢¢Ú¼ S¢ÚÜ ¢Ú m¢Ú¢ S¢æÐíï篼 ²¢ïÁ¢Ý¢¥¢ïæ Üï çH» 籜¢Ð¢ï¯‡¢ ÜïçÎࢢçÝÎïüà¢¢ï´ Üï S¢¢‰¢ ç}¢HÜ Ú }¢¢Ý¢ Á¢¢¼¢ ãñ J §S¢ ¼Úã Üï ¥Ýé}¢¢Ý Ï¢ãé¼Îè{ü-Ü ¢çHÜ ãñ ¥¢ñÚ S¢èç}¢¼ ¥¼è¼ Üï ¥Ýé|¢± / ¼yÜ ¢H |¢ç±c² ÐÚ¥¢{¢çÚ¼ Ýãè´ ãñ J ¥Ýé|¢±Á¢‹² S¢¢ÿ² ²ã |¢è Ï¢¼¢¼ï´ ãñ´ Ü è Ï¢ãé¼ HæÏ¢ïS¢}¢² }¢ï´ Hx¢¢¼¢Ú ©ÓÓ¢ ±ï¼Ý ±ëçh ÎÚ S¢æ|¢± Ýãè´ ãñ J

±¼ü}¢¢Ý ±¯ü 2018-19 : Ü }¢üÓ¢¢Úè Ðï´à¢Ý

2018-19

--

--

--

--

--

16026

1543896

1796164

I.

I. Changes in the present value of the obligation (PVO) - Reconciliation of Opening and Closing Balances :

΢ç²y±¢ï´ Üï ±¼ü}¢¢Ý }¢ê˲}¢ï´ ÐçÚ±¼üÝ (Ðè±è¥¢ï) ¥¢çÎ à¢ï¯ ¥¢ñÚ §ç¼ à¢ï¯ Ü ¢ ç}¢H¢Ý

±¯ü Ü è à¢éL¥¢¼ }¢ï´ ΢ç²y± Ü ¢ ±¼ü}¢¢Ý }¢ê˲PVO as at the beginning of the year

ϲ¢Á¢ H¢x¢¼ Interest Cost

±¼ü}¢¢Ý S¢ï±¢ H¢x¢¼ Current service cost

ç±x¢¼ S¢ï±¢ H¢x¢¼ - ¥ç|¢¿¢¢¼ / çÝçã¼ H¢|¢Past service cost – recognised / vested benefits

ç±x¢¼ S¢ï±¢ H¢x¢¼ - ¥Ý-¥ç|¢¿¢¢¼ / ¥çÝçã¼ H¢|¢Past service cost – unrecognised / non-vested benefits

H¢|¢ Ü ¢ |¢éx¢¼¢Ý Benefits paid

΢ç²y±¢ï´ ÐÚ Ï¢è}¢¢æçÜ Ü (ã¢Ýè) / H¢|¢ (à¢ï¯ Ú¢çà¢)Actuarial (loss)/ gain on obligation (balancing figure)

±¯ü Üï ¥æ¼ }¢ï´ ΢ç²y±¢ï´ Ü ¢ ±¼ü}¢¢Ý }¢ê˲PVO as at the end of the year

(Ú¢çࢠ}¢ï´)` '000 (Amt. ` in '000)

Ðí²éQ ç±ç{ Method used

S¢æÍ¢¯ü‡¢ ÎÚ Attrition rate

}¢ëy²é ÎÚ Mortality Rate

±ï¼Ý ±ëçh ÎÚ Salary escalation rate

ÀêÅ Ü è ÎÚ - Á¢è-S¢ïÜ ÎÚ Discount Rate -G-Sec Rate

}¢éw² Ï¢è}¢¢æçÜ Ü }¢¢‹²¼¢»¡ (|¢¢çÚ¼ ¥¢ñS¢¼ Üï MÐ }¢ï´)PRINCIPAL ACTUARIAL ASSUMPTIONS [Expressed as weighted averages]

¥Ýé}¢¢çݼ ²êçÝÅ Rï çÇÅ (Ðè²êS¢è) Ï¢è}¢¢æçÜ Ü ç±ç{Projected Unit Credit (PUC) actuarial Method

10

10 per thousand per annum

Ðíç¼ ãÁ¢¢Ú Ðíç¼ ±¯ü

¥¢§ü»»H»}¢ 2006-08

IALM 2006-08

5.50%

5.50% (on aggregate of Basic & DA)

(Ï¢ïçS¢Ü ¥¢ñÚ }¢ãæx¢¢§ü |¢‰‰¢¢ Üï Üé H ÐÚ)

Ðï´à¢Ý ãï¼é - 7.50%

7.50% for Pension

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çkhkuzk økwshkík økúk{eý çkUf

--

--

--

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

Ðï´à¢Ý çÝç{Pension Fund

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ ±¢S¼ç±Ü çÚÅÝü Actual return on plan assets

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ Ï¢è}¢¢æçÜ Ü H¢|¢ / (ã¢çÝ) Actuarial gain / (loss) on plan assets

IV.

IV. Actual return on Plan Assets

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ ±¢S¼ç±Ü çÚÅÝü

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ ¥Ðïçÿ¢¼ ¥¢² Expected return on plan assets

--

--

--

--

--

--

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

Ðï´à¢Ý çÝç{Pension Fund

III.

III. Changes in the fair value of Plan Assets - Reconciliation of Opening and Closing Balances

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ }¢ï´ ©çÓ¢¼ }¢ê˲ S¢ï ÐçÚ±¼üÝ - ¥¢çÎ à¢ï¯ ¥¢ñÚ §üç¼ à¢ï¯ Ü ¢ ç}¢H¢Ý

±¯ü Ü è à¢éM¥¢¼ }¢ï´ ²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ Ü ¢ ©çÓ¢¼ }¢ê˲Fair value of plan assets as at the beginning of the year

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ ¥Ðïçÿ¢¼ ¥¢² Expected return on plan assets

²¢ïx¢Î¢Ý Contributions

H¢|¢ Ü ¢ |¢éx¢¼¢Ý Benefits paid

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ Ï¢è}¢¢æçÜ Ü H¢|¢ / (ã¢çÝ) (à¢ï¯ Ú¢çà¢)Actuarial gain/(loss) on plan assets (balancing figure)

±¯ü Üï ¥æ¼ }¢ï´ ²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ Ü ¢ ©çÓ¢¼ }¢ê˲Fair value of plan assets as at the end of the year

V. Actual Gain / Loss Recognised

Actuarial gain / (loss) for the year - Obligation

Actuarial gain / (loss) for the year - Plan Assets

Total gain / (loss) for the year

Actuarial gain / (loss) recognised in the year

Unrecognised actual gain / (loss) at the end of the year

Unrecognised actual gain / (loss) at the end of the year

--

--

--

--

--

--

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

Ðï´à¢Ý çÝç{Pension Fund

V. }¢¢‹² Ï¢è}¢¢æçÜ Ü H¢|¢ / ã¢çÝ

±¯ü Üï çH» Ï¢è}¢¢æçÜ Ü H¢|¢ / ã¢çÝ Î¢ç²y±

±¯ü Üï çH» Ï¢è}¢¢æçÜ Ü H¢|¢ / ã¢çÝ ²¢ïÁ¢Ý¢ ¥¢çS¼²¢æ

±¯ü Üï çH» Ï¢è}¢¢æçÜ Ü H¢|¢ / ã¢çÝ

±¯ü Üï ¥æ¼ }¢ï´ ¥ç|¢¿¢¢¼ Ï¢è}¢¢æçÜ Ü H¢|¢ / (ã¢çÝ)

±¯ü Üï ¥æ¼ }¢ï´ ¥Ý-¥ç|¢¿¢¢¼ Ï¢è}¢¢æçÜ Ü H¢|¢/(ã¢çÝ)

±¯ü Üï ¥æ¼ }¢ï´ ¥Ý-¥ç|¢¿¢¢¼ Ï¢è}¢¢æçÜ Ü H¢|¢/(ã¢çÝ)

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Ðï´à¢Ý çÝç{Pension Fund

VI. Amount recognised in the Balance Sheet and related analysis

Present value of the obligation

Fair value of plan assets

Difference - Net (Liability) / Asset recognized in Balance Sheet*

Unrecognised transitional liability

Unrecognised past service cost

Liability recognised in the balance sheet

* 20%Ï¢ñ´Ü Ýï ΢ç²y±¢ï´ Üï ±¼ü}¢¢Ý }¢ê˲ Üï Üï ±H Ü ¢ ¥ç|¢¿¢¢¼ çÜ ²¢ ãñ J *Bank has recognised only 20% of the PVO

1812189

--

298375

--

--

298375

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

VI. ¼éHÝÐ~¢ »±æ S¢æÏ¢æç{¼ ç±ÔH﯇¢¢ï´ }¢ï´ ¥ç|¢¿¢¢¼ ÚÜ }¢

΢ç²y± Ü ¢ ±¼ü}¢¢Ý }¢ê˲

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ Ü ¢ ©çÓ¢¼ }¢ê˲

¥æ¼Ú ¼éHÝ }¢ï´ ¥ç|¢¿¢¢¼ çݱH (΢ç²y±) / ¥¢çS¼

¥Ý-¥ç|¢¿¢¢¼ ÐçÚ±<¼¼ ΢ç²y±

¥Ý-¥ç|¢¿¢¢¼ ç±x¢¼ S¢ï±¢ H¢x¢¼

¼éHÝÐ~¢ }¢ï´ ¥ç|¢¿¢¢¼ ΢ç²y±

*

Ðï´à¢Ý çÝç{Pension Fund

VII. Expenses recognised in the statement of Profit and Loss :

Current service cost

Interest Cost

Expected return on plan assets

Net actuarial gain/(loss) recognised in the year

Transitional Liability recognised in the year

Past service cost - recognised

Expenses recognised in the statement of profit and loss

--

--

--

--

--

--

16026

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

±¼ü}¢¢Ý S¢ï±¢ H¢x¢¼

ϲ¢Á¢ H¢x¢¼

²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ ÐÚ ¥Ðïçÿ¢¼ ¥¢²

±¯ü Üï ΢ñÚ¢Ý çݱH Ï¢è}¢¢æçÜ Ü H¢|¢ / (ã¢çÝ)

±¯ü Üï ΢ñÚ¢Ý ÐçÚ±¼èü ΢ç²y±

ç±x¢¼ S¢ï±¢ H¢x¢¼ - ¥ç|¢¿¢¢¼

H¢|¢ ¥¢ñÚ ã¢çÝ Üï ç±±Ú‡¢ }¢ï´ ¥ç|¢¿¢¢¼ ò²

VII. H¢|¢ ¥¢ñÚ ã¢çÝ Üï ç±±Ú‡¢ }¢ï´ ¥ç|¢¿¢¢¼ ò²

Ðï´à¢Ý çÝç{Pension Fund

VIII. Movements in the liability recognised in the balance sheet

Opening net liability

Expense as above

Contribution paid

Closing net liability

--

16026

298375

1497788

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

VIII. ¼éHÝÐ~¢ }¢ï´ ¥ç|¢¿¢¢¼ ΢ç²y±¢ï´ Ü ¢ S¢æÓ¢HÝ

à¢éL¥¢¼è çݱH ΢ç²y±

ªÐÚ Üï ¥ÝéS¢¢Ú ò²

ÐíÎœ¢ ²¢ïx¢Î¢Ý

¥æç¼¼ çݱH ΢ç²y±

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Ðï´à¢Ý çÝç{Pension Fund

IX. (i) Current Year 2018-19

Present Value of obligation

Plan Assets

Surplus / (Deficit)

Experience adjustments on plan liabilities - (loss) / gain

Experience adjustments on plan assets - (loss) / gain

1796164

--

--

--

--

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

IX. (i) 2018-19±¼ü}¢¢Ý ±¯ü

΢ç²y± Ü ¢ ±¼ü}¢¢Ý }¢ê˲

²¢ïÁ¢Ý¢x¢¼ ¥¢çS¼²¢¡

¥ç{à¢ï¯ / (Ü }¢è)

²¢ïÁ¢Ý¢ ΢ç²y±¢ï´ ÐÚ ¥Ýé|¢± S¢}¢¢²¢ïÁ¢Ý - (ã¢çÝ) / H¢|¢

²¢ïÁ¢Ý¢ ΢ç²y±¢ï´ ÐÚ ¥Ýé|¢± S¢}¢¢²¢ïÁ¢Ý - (ã¢çÝ) / H¢|¢

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)`. '000±¼ü}¢¢Ý ±¯ü 2018-19 :

Year Ended31-03-2019

Year Ended31-03-2018

Year Ended31-03-2019

Year Ended31-03-2018

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

IX. (ii) 2018-19 ( )

IX. (ii) Previous Year 2018-19 (Pension)

ç±x¢¼ ±¯ü Ðï‹à¢Ý

31-03-2018

Ü ¢ï S¢}¢¢#±¯ü Üï çH»

31-03-2019

Ü ¢ï S¢}¢¢#±¯ü Üï çH»

31-03-2018

Ü ¢ï S¢}¢¢#±¯ü Üï çH»

31-03-2019

Ü ¢ï S¢}¢¢#±¯ü Üï çH»

΢ç²y±¢ï´ Ü ¢ ±¼ü}¢¢Ý }¢ê˲Present Value of obligation

²¢ïÁ¢Ý¢x¢¼ ¥¢çS¼²¢¡ Plan Assets

¥ç{à¢ï¯ / (Ü }¢è) Surplus / (Deficit)

²¢ïÁ¢Ý¢ ΢ç²y±¢ï´ ÐÚ ¥Ýé|¢± S¢}¢¢²¢ïÁ¢Ý (ã¢çÝ) / H¢|¢Experience adjustments on plan liabilities - (loss) / gain

²¢ïÁ¢Ý¢ ΢ç²y±¢ï´ ÐÚ ¥Ýé|¢± S¢}¢¢²¢ïÁ¢Ý (ã¢çÝ) / H¢|¢Experience adjustments on plan assets - (loss) / gain

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 : Ðï´à¢Ý çÝç{

Pension Fund

X. Major Categories of plan assets (as percentage of total plan assets)

Government of India Securities

State Government Securities

Govt. of India Securities and State Govt. Securities

High Quality Corporate Bonds

Special Deposit Scheme

Funds managed by Insurer

Private Sector Bonds

Money Market

Total

--

--

--

--

--

--

--

--

--

X. ²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ Ü è Ðí}¢é¶ Ÿ¢ï燢²¢¡(Üé H ²¢ïÁ¢Ý¢ ¥¢çS¼²¢ï´ Üï Ðíç¼à¢¼ Üï MÐ }¢ï´)

|¢¢Ú¼ S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡Ú¢Á² S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡|¢¢Ú¼ S¢ÚÜ ¢Ú ¥¢ñÚ Ú¢Á² S¢ÚÜ ¢Ú Ü è Ðíç¼|¢êç¼²¢¡©ÓÓ¢ x¢é‡¢±œ¢¢ Ü ¢òТïüÚïŠϢ¢ò‹Çç±à¢ï¯ Á¢}¢¢ ²¢ïÁ¢Ý¢Ï¢è}¢¢Ü ¼¢ü m¢Ú¢ ÐíÏ¢æç{¼ Èæ ÇçÝÁ¢è ÿ¢ï~¢ Ï¢¢ò‹Ç}¢éÎí¢ Ï¢¢Á¢¢Ú²¢ïx¢

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

73

çkhkuzk økwshkík økúk{eý çkUf

Ðï´à¢Ý çÝç{Pension Fund

XI.XI. Contribution during next year

¥¢x¢¢}¢è ±¯ü Üï ΢ñÚ¢Ý ²¢ïx¢Î¢Ý

333233

Note : Disclosures included are limited to the extent of

information provided by theActuary.

18.10 The total provision required for NPAAdvances as

per IRAC norms of the RBI as on 31.03.2019 is `

3390.76 lakh (PY: ` 2977.16 Lakh) against this

bank has provided ` 5282.44 lakh (PY: ` 5132.44

lakh). Thus Bank has made additional provision `

1891.68 Lakh towards NPA, out of which `

150.00 lakh made during the current year (PY: `

1500.00 lakh).

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

ç±±Ú‡¢Particulars

I % Net NPAs to Net Advances (%) 02.73 01.78

II Movement of NPAs (Gross)

(a) Opening Balance 8084.21 7996.23

(b) Additions during the year 5410.93 4321.47

(c) Reductions during the year 3097.75 4233.49

(d) Closing Balance 10397.39 8084.21

III Movements of Net NPAs

(a) Opening Balance 2951.77 4363.79

(b) Additions during the year 2163.18 ----

(c) Reductions during the year ---- 1412.02

(d) Closing Balance 5114.95 2951.77

IV Movement of provisions for NPAs

(excluding provisions on Standard assets)

(a) Opening Balance 5132.44 3632.44

(b) Provision made during the year 150.00 1500.00

(c) Write-off/Write-back of excess ---- ----

provisions

(d) Closing Balance 5282.44 5132.44

à¢éh »ÝÐè» Ü ¢ à¢éh ¥çx¢í}¢ S¢ï ( )»ÝÐè» Ü ¢ ç±±Ú‡¢ (Üé H)Ðí¢Úæç|¢Ü à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üݱ¯ü Üï ΢ñÚ¢Ý Ü }¢è¥æç¼}¢ à¢ï¯à¢éh »ÝÐè» Ü ¢ ç±±Ú‡¢Ðí¢Úæç|¢Ü à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üݱ¯ü Üï ΢ñÚ¢Ý Ü }¢è¥æç¼}¢ à¢ï¯»ÝÐè» Üï çH» Ðí¢±{¢Ý Ü ¢ ç±±Ú‡¢(}¢¢ÝÜ ¥¢çS¼²¢ï´ ÐÚ Ðí¢±{¢Ý¢ï´ Ü ¢ï À¢ïÇGÜ Ú)Ðí¢Úæç|¢Ü à¢ï¯±¯ü Üï ΢ñÚ¢Ý ÐçÚ±{üÝ¥ç{Ü Ðí¢±{¢Ý¢ï´ Ü ¢ï Ï¢^ï ¶¢¼ï }¢ï´ Ç¢HÝ¢ÐçÚS¢}¢¢ÐÝ¥æç¼}¢ à¢ï¯

R }¢No.

18.11 ¥¢çS¼²¢ï´ Ü è x¢é‡¢±œ¢¢Ü ) x¢ñÚ çÝcТÎÝ ¥¢çS¼²¢æ

(` H¢¶ }¢ï´) (Amt. ` in lakh)

18.11 Asset Quality :

(A) Non- PerformingAssets

Current Year 2018-19 (Amt. ` in '000)(Ú¢çࢠ}¢ï´)` '000±¼ü}¢¢Ý ±¯ü 2018-19 :

©l}¢ Ü ¢ ¥¢x¢¢}¢è ±¯ü Üï ΢ñÚ¢Ý ²¢ïx¢Î¢Ý Ü ¢ S¢±¢ïüœ¢}¢ ¥Ýé}¢¢ÝEnterprises best estimate of contribution during next year

Ý¢ïÅ : ࢢç}¢H ÐíÜ ÅèÜ Ú‡¢ »vÓ¢é¥Úè m¢Ú¢ ÐíÎ¢Ý Ü è x¢§ü Á¢¢ÝÜ ¢Úè¼Ü ç}¢¼ ãñ J18.10 |¢¢Ú¼è² ÚèÁ¢±ü Ï¢ñ´Ü Üï ¥¢§¥¢Ú»S¢è }¢¢ÐÎ‡Ç¢ï´ Üï ¥ÝéS¢¢Ú 31-

3-2019 Ü ¢ï »ÝÐè» ¥çx¢í}¢¢ï´ Üï çH» 3390.76 H¢¶(çÐÀHï ±¯ü 2977.16 H¢¶) Üï Üé H Ðí¢±{¢Ý ¥¢±à²Ü ãñçÁ¢S¢Üï Ðíç¼ Ï¢ñ´Ü Ýï 5282.44 H¢¶ (çÐÀHï ±¯ü5132.44 H¢¶) Üï Ðí¢±{¢Ý çÜ » ãñ´ J §S¢ ÐíÜ ¢Ú Ï¢ñ´Ü Ýï»ÝÐè» Üï çH» 1891.68 H¢¶ Lвï Ü ¢ ¥ç¼çÚQ Ðí¢±{¢ÝçÜ ²¢ ãñ çÁ¢S¢}¢ï´ S¢ï 150 H¢¶ LÐ²ï ±¼ü}¢¢Ý 籜¢è² ±¯ü }¢ï´çÜ ²¢ x¢²¢ ãñ (çÐÀHï ±¯ü 1500 H¢¶) J

`

`

` `

`

`

`

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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(B) Details of LoanAssets subject to Restructuring

(Amt. ` in lakh)

(¶) ÐéÝòü±S‰¢¢ÐÝ S¢ï 籯²x¢¼ «‡¢ ¥¢çS¼²¢ï´ Ü ¢ ϲ¢ñÚ¢(Ú¢çࢠH¢¶ }¢ï´)`

ç±±Ú‡¢Particulars

R }¢No.

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

i.

( {(i) = (ii)+(iii)+(iv)})

Total amount of loan assets subject to Restructuring, rescheduling, renegotiation NIL NIL(Note : {(i) = (ii)+(iii)+(iv)})

ii.

The amount of Standard assets subject to Restructuring, rescheduling, renegotiation NIL NIL

iii.

The amount of Sub-Standard assets subject to restructuring, rescheduling, renegotiation NIL NIL

iv

The amount of doubtful assets subject to restructuring, rescheduling, renegotiation NIL NIL

«‡¢ ¥¢çS¼²¢ï´ Ü è Üé H ÚÜ }¢ -ÐéÝòü±S‰¢¢ÐÝ, ÐéÝ:çÝ{¢üÚ‡¢, ÐéÝÐüÚ¢R ¢}¢‡¢ Üï ¥{èÝçŌЇ¢ :

}¢¢ÝÜ ¥¢çS¼²¢ï´ Ü è ÚÜ }¢ - ÐéÝòü±S‰¢¢ÐÝ, ÐéÝ<Ý{¢üÚ‡¢, ÐéÝÐüÚR ¢}¢‡¢ Üï ¥{èÝ

©Ð}¢¢ÝÜ ¥¢çS¼²¢ï´ Ü è ÚÜ }¢ - ÐéÝòü±S‰¢¢ÐÝ, ÐéÝ<Ý{¢üÚ‡¢, ÐéÝÐüÚR ¢}¢‡¢ Üï ¥{èÝ

S¢æÎïã¢SÐÎ ¥¢çS¼²¢ï´ Ü è ÚÜ }¢ - ÐéÝòü±S‰¢¢ÐÝ, ÐéÝ<Ý{¢üÚ‡¢, ÐéÝÐüÚR ¢}¢‡¢ Üï ¥{èÝ

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

ç±±Ú‡¢Particulars

I

Provision towards Standard Assets 610.11 550.11

}¢¢ÝÜ ¥¢çS¼²¢ï´ ÐÚ Ðí¢±{¢Ý

R }¢No.

(C) Provision on StandardAssets

(Amt. ` in lakh)

(x¢) }¢¢ÝÜ ¥¢çS¼²¢ï´ ÐÚ Ðí¢±{¢Ý(Ú¢çࢠH¢¶ }¢ï´)`

1.

Bank of Baroda Shareholding Sponsor Bank cum directorship

2.

National Bank for Agriculture and Rural Development Regulator

3.

Reserve Bank of India Regulator

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ à¢ï²Ú {¢ÚÜ Ðí¢²¢ïÁ¢Ü Ï¢ñ´Ü S¢ã çÝÎïà¢Ü

Ú¢cÅîè² Üë ç¯ »±æ x¢í¢}¢è‡¢ ç±Ü ¢S¢ Ï¢ñ´Ü çݲ¢}¢Ü

|¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü çݲ¢}¢Ü

18.12 Related party disclosure in accordance with the

Accounting Standard 18 issued by the Institute of

Chartered Accountants of India (ICAI) and is

effective from April 1, 2001.

(A) Related parties and nature of relationship :

Key Management Persons (Chairman)

Name : Shri Vineet K. Dudeja Period : 08-12-2017 onwards

18.12 §‹SÅèÅKêÅ ¥¢òÈ Ó¢¢ÅüÇ »Ü ¢©‹Å‹Å ¥¢òÈ §ç‹Ç²¢(¥¢§üS¢è»¥¢§ü) m¢Ú¢ Í¢¢ï篼 »±æ 1-4-2001 S¢ï H¢x¢ê Hﶢ}¢¢ÝÜ 18 Üï ¼ã¼ S¢æÏ¢æç{¼ ТÅèü Ü ¢ S¢æÏ¢æ{ ÐíÜ ÅèÜ Ú‡¢

(Ü ) S¢æÏ¢æç{¼ ТÅèü »±æ S¢æÏ¢æ{ Ü ¢ ÐíÜ ¢Ú :

}¢éw² ÐíÏ¢æ{Ý Ã²çQ (¥Š²ÿ¢)

Transactions that have taken place with relatedparties by the Bank are as follows :

Ï¢ñ´Ü m¢Ú¢ S¢æÏ¢æç{¼ ТÅèü²¢ï´ Üï S¢¢‰¢ çÜ ²¢ x¢²¢ HïÝ-ÎïÝçÝ}ÝçH綼 ãñ J

08-12-2017 S¢ï ¥Ï¢ ¼ÜŸ¢è ç±Ýè¼ Üé }¢¢Ú ÇéÇïÁ¢¢

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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(I) Bank of Baroda

(Amt. ` in lakh)

(1) Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢(Ú¢çࢠH¢¶ }¢ï´)`

çÐÀH¢ ±¯üPrevious Year

ç±±Ú‡¢Particulars

R }¢No.

Ó¢¢Hê ±¯üCurrent Year

a)

Interest received from Bank of Baroda on Deposits 6275.03 8052.18

b)

Interest received from Bank of Baroda on IBPC issued -- --

c) 7

Balance outstanding in Current Account with Bank of Baroda :Included in Schedule – 7 5406.25 1672.36

d) 7

Balance Outstanding in SDR and Other Deposit Accounts withBank of Baroda included in Schedule – 7 80109.00 107900.00

f)

Interest paid to Bank of Baroda on OD A/c. 52.07 106.98

g)

Interest paid to Bank of Baroda on IBPC participation ---- ----

h) 4

Balance outstanding on OD A/c. included in schedule - 4 36.17 2264.32

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ S¢ï Á¢}¢¢Ú¢çࢠÐÚ Ðí¢# ϲ¢Á¢

Á¢¢Úè çÜ » x¢» ¥¢§üÏ¢èÐèS¢è ÐÚ Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ S¢ï Ðí¢# ²¢ïx² ϲ¢Á¢

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Üï S¢¢‰¢ Ó¢¢Hê ¶¢¼ï }¢ï´ à¢ï¯: ¥ÝéS¢êÓ¢è - }¢ï´ Îࢢü» x¢»

¥ÝéS¢êÓ¢è - }¢ï´ Îࢢü» x¢» Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Üï S¢¢‰¢ »S¢Ç襢ڻ±æ ¥‹² Á¢}¢¢ ¶¢¼¢ï´ }¢ï´ à¢ï¯ 좆 ¢²¢

¥¢ï±ÚÇî¢zÅ ¶¢¼ïï´ ÐÚ Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Ü ¢ï |¢éx¢¼¢Ý çÜ ²¢ x¢²¢ ϲ¢Á¢

¥¢§üÏ¢èÐèS¢è S¢ã|¢¢çx¢¼¢ ÐÚ Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ Ü ¢ï |¢éx¢¼¢Ý çÜ ²¢ x¢²¢ ϲ¢Á¢

¥ÝéS¢êÓ¢è - }¢ï´ Îࢢü» x¢» ¥¢ï±ÚÇî¢zÅ ¶¢¼ï }¢ï´ à¢ï¯ 좆 ¢²¢

(II) NABARD

(Amt. ` in lakh)

ç±±Ú‡¢Particulars

R }¢No.

(2) ݢϢ¢Çü(Ú¢çࢠH¢¶ }¢ï´)`

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

a)

Interest paid on Borrowings 1603.25 1616.22

b) 4

Balance outstanding on Borrowings included in Schedule – 4 25483.56 26041.26

«‡¢ ÐÚ Ó¢éÜ ¢²¢ x¢²¢ ϲ¢Á¢

¥ÝéS¢êÓ¢è - }¢ï´ Îࢢü» x¢» «‡¢ ¶¢¼ï }¢ï´ à¢ï¯ 좆 ¢²¢

(III) Bank of Baroda

Remuneration paid to the Chairman

(Amt. ` in lakh)

(3) Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢

(Ú¢çࢠH¢¶ }¢ï´)`

ç±±Ú‡¢Particulars

R }¢No.

çÐÀH¢ ±¯üPrevious Year

Ó¢¢Hê ±¯üCurrent Year

1) 08-12-2017

Shri Vineet K. Dudeja (08-12-2017 onwards) 17.01 06.11

Ÿ¢è ç±Ýè¼ Üé }¢¢Ú ÇéÇïÁ¢¢ ( S¢ï ¥Ï¢ ¼Ü )

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

76

çkhkuzk økwshkík økúk{eý çkUf

Ÿ¢è ç±Ýè¼ Üé }¢¢Ú ÇéÇïÁ¢¢

Ÿ¢è ÐíçÎÐ Ÿ¢è±¢S¼±Ÿ¢è Ú¢Á¢ï‹Îí Üé }¢¢ÚŸ¢è Üï . ±è. ¼éHS¢èÏ¢¢x¢±HïŸ¢è ¥EçÝ Üé }¢¢ÚŸ¢è »S¢. Ðè. S¢ ‰¢¢²ïŸ¢è Ú¢Á¢ïࢠТ§üŸ¢è »S¢. »Ý. x¢¢ }¢¼Ÿ¢è Åè. »}¢. }¢Ü ±¢‡¢¢Ÿ¢è Á¢ï. ¥¢Ú. ÐÚ}¢¢ÚŸ¢è }¢éÜï ࢠÆP Ú (¥¢§ü»»S¢)

¢

ç

Ý¢ç}¢¼ ¥Š²ÿ¢

Ý¢ç}¢¼ çÝÎïà¢Ü1

2

3

4

5

6

7

8

9

10

11

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢

Ï¢ñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢Ϣñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢Ϣñ´Ü ¥¢òÈ Ï¢ÇG¢ñ΢ݢϢ¢ÇüݢϢ¢Çü|¢¢.çÚ.Ï¢ñ´Üx¢éÁ¢Ú¢¼ S¢ÚÜ ¢Úx¢éÁ¢Ú¢¼ S¢ÚÜ ¢Úx¢éÁ¢Ú¢¼ S¢ÚÜ ¢Úx¢éÁ¢Ú¢¼ S¢ÚÜ ¢Ú

çÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢ÜçÝÎïà¢Ü

¥Š²ÿ¢ (8-12-17 to 31-3-19)

Chairman

Nominee Directors

Shri Vineet K. Dudeja

Shri Pradeep Srivastava

Shri Rajendra Kumar

Shri K. V. Tulshibagwala

Shri Ashwani Kumar

Shri S. P. Sathaye

Shri Rajesh Pai

Shri S. N. Gamit

Shri T. M. Makwana

Shri J. R. Parmar

Shri Mukesh Thakkar (IAS)

1

2

3

4

5

6

7

8

9

10

11

Chairman

Director

Director

Director

Director

Director

Director

Director

Director

Director

Director

BOB

BOB

BOB

BOB

NABARD

NABARD

RBI

GOG

GOG

GOG

GOG

(19-6-17 to 31-3-19)

(25-7-17 to 1-7-18)

(2-7-18 to 31-3-19)

(28-4-17 to 31-5-18)

(1-6-18 to 31-3-19)

(1-11-17 to 31-3-19)

(19-9-17 to 31-7-18)

(1-8-18 to 10-2-19)

(11-2-19 to 31-3-19)

(12-4-16 to 31-3-19)

18.13 Directors of Bank18.13 Ï¢ñ´Ü Üï çÝÎïà¢Ü

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18.14 Segment Reporting:

In the matter of disclosure of segment details incompliance with Accounting Standard 17, thefollowing details are given pursuant to theReserve Bank of India guidelines in this regard.

The Bank operates in banking operationssegment. The Bank has recognized the Businesssegment as primary reporting segment. There isno secondary reporting segment.

|¢¢x¢ - ¶ : |¢¢ñx¢¢ïçHÜ ¶æÇÓ¢éæçÜ , Ï¢ñ´Ü Ü ¢ S¢æÓ¢¢HÝ Üï ±H |¢¢Ú¼ ¼Ü ãè S¢èç}¢¼ ãñ, çÚТïÅüÜ ÚÝï ²¢ïx² Ü ¢ï§ü ¥ç¼çÚQ ¶æÇ Ýãè´ ãñ J

18.15 Ó¢¢ÅüÇü »Ü ¢©‹Å‹ÅS¢ ¥¢òÈ §æçDz¢ m¢Ú¢ Á¢¢Úè çÜ » x¢» Hﶢ}¢¢ÝÜ Üï ¥ÝéS¢¢Ú Ðíç¼ à¢ï²Ú ©Ð¢Á¢üÝ ãñ (çÐÀHﱯü )

18.16 ±¼ü}¢¢Ý ±¯ü S¢ï ¼éHÝè² Ï¢Ý¢Ýï Üï çH» çÐÀHï ±¯ü Üï ¥¢æÜ ÇG¢ïæÜ ¢ï Á¢ã¢æ ¥¢±à²Ü ã¢ï - ÐéÝS¢ü}¢êçã¼, ÐéÝòü±çS‰¢¼ ¥¢ñÚÐéÝ<Ý}¢¢ü燢¼ çÜ ²¢ x¢²¢ ãñ J

18.17 ¥æ¼Ú §üÜ ¢§ à¢ï¯ ÐÚ Ï²¢Á¢ :Á¢±¢Ï¢Îï±è S¢éçÝçp¼ Ü ÚÝï Üï çH» Ï¢ñ´Ü Ýï ࢢ¶¢±¢Ú 籜¢è²ç±±Ú‡¢ ¼ñ²¢Ú çÜ ²¢ ãñ J §Ý Ü ‰¢Ý¢ï´ Ü ¢ï ¼ñ²¢Ú Ü ÚÝï }¢ï´ ¥æ¼Úà¢ï¯ ÐÚ Ï²¢Á¢ Üï HﶢæÜ Ý Üï çH» S¢}¢¢²¢ïÁ¢Ý çÜ ²¢ Á¢¢¼¢ ãñ JçÁ¢S¢ï Ðí{¢Ý Ü ¢²¢üH² S¼Ú ÐÚ S¢}¢ïÜ Ý Üï S¢}¢² ãÅ¢ çβ¢Á¢¢¼¢ ãñ J

20 ` 0.64

` 3.88

Part – B: Geographic Segments

Since the operations of the Bank are confined to

India only; there is no reportable secondary

segment.

18.15 Earnings per share

The Earning per Share as per Accounting

Standard 20 issued by ICAI is ` 0.64 (PY: ` 3.88).

18.16 Figures of previous year have been regrouped,

rearranged and recast wherever necessary so as to

makethemcomparablewith thoseofcurrentyear.

18.17 Interest on Inter Unit Balances

To ensure accountability, the Bank has prepared

Branch wise financial statement. In preparing

these statements, adjustment is made for

accounting of interest on inter unit balances,

which is eliminated at the time of consolidation at

Head Office level.

Ú¢Á¢S±ÐçÚ‡¢¢}¢x¢ñÚ ¥¢Ï¢æçż ¶Ó¢üÐçÚÓ¢¢HÝx¢¼ H¢|¢¥¢²Ü Ú¥ç¼ç±à¢ï¯ ã¢çÝà¢éh H¢|¢¥‹² S¢êӢݢ¶æÇÜ è² ¥¢çS¼²¢æx¢ñÚ ¥¢Ï¢æçż ¥¢çS¼²¢æÜé H ¥¢çS¼²¢æ¶æÇÜ è² Îï²¼¢²ï´x¢ñÚ ¥¢Ï¢æçż Îï²¼¢²ï´Üé H Îï²¼¢²ï´

Revenue 34780.45 32205.01

Result 148.59 893.29

Unallocated expenses X X

Operating profit 148.59 1342.12

Income Tax X 448.83

Extraordinary loss X X

Net Profit 148.59 893.29

Other information X X

Segment Assets 410796.30 379801.63

Unallocated Assets 27722.38 27500.70

Total Assets 438518.68 407302.33

Segment liabilities 412144.63 386114.36

Unallocated liabilities 26374.05 21187.97

Total Liabilities 438518.68 407302.33

(Amt. ` in lakh)(Ú¢çࢠH¢¶ }¢ï´)`|¢¢x¢ - Ü : Ü ¢Ú¢ïÏ¢¢Úè S¢ïx¢}¢ï´Å Part – A : Business Segments

18.14 ¶æÇ ç±±Ú‡¢ :Hﶢ }¢¢ÝÜ 17 Üï ¼ã¼ ¶æÇ ç±±Ú‡¢ ÐíÜ Å Ü ÚÝï Üï ¥ÝéТHÝ ÜïS¢æÏ¢æ{ }¢ï´ |¢¢Ú¼è² çÚÁ¢±ü Ï¢ñ´Ü Üï §S¢ Ï¢¢Úï }¢ï´ çÎࢢçÝÎïüࢢÝéS¢¢Ú çÝ}Ýç±±Ú‡¢ çβï x¢» ãñ :Ï¢ñ´Ü Ï¢ñ´ôÜ x¢ ÐçÚÓ¢¢HÝ ¶æÇ }¢ï´ Ü ¢²ü Ü Ú¼¢ ãñ J Ï¢ñ´Ü Ýï Ü ¢Ú¢ïÏ¢¢Ú ¶æÇÜ ¢ï Ðí¢‰¢ç}¢Ü çÚТï=Åx¢ Ü ¢²ü }¢¢Ý¢ ãñ J Ü ¢ï§ü ¥‹² ÎêS¢Ú¢ çÚТï=Åx¢ ¶æÇÝãè´ ãñ J

Ï¢ñ´ôÜ x¢ ¶æÇç±±Ú‡¢

Banking Segments

Particulars çÐÀH¢ ±¯üPrevious Period

Ó¢¢Hê ±¯üCurrent Period

Ï¢ñ´ôÜ x¢ ÐçÚÓ¢¢HÝ Banking Operation

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18.18 Priority Sector Lending Certificate

Bank has sold total SF/MF Agriculture Priority

Sector Advances of ` 250.00 Crore under PSLC

Scheme and traded through CBS Portal (e-kuber)

of Reserve Bank of India on 09.08.2018 ` 50

crore.@ 0.90% p.a. than on 20.08.2018 ` 50.00

crore @ 0.88% p.a., than on 29.08.2018 ` 50.00

crore @ 0.88% p.a., than on 27.09.2018 ` 25

crore @ 1.13% p.a. than on 28.09.2018 ` 25 crore

@ 1.15% p.a., than on ` 25 crore 31.12.2018 @

1.00% p.a. and on 31.12.2018 ` 25.00 crore

@1.00% for the period from 01.04.2018 to

31.03.2019. Bank has received fees of ` 239.75

lakh.

However, after this sale of SF/MF Agriculture

Priority Sector advances of ` 250.00 Crore, Bank

has achieved mandatory requirement of 75%

Priority Sector,18% Agriculture and 8% SF/MF on

each quarter for the year 2018-19.

18.19 Disclosure of penalties imposed by RBI

No penalty has been imposed by RBI during F.Y.

2018-19.

18.20 Additional Disclosure

In terms of Reserve Bank of India and NABARD

guidelines, the following additional disclosures

have been made and the data are compiled by the

Management and checked by theAuditors.

a) Business Ratios

18.18 Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ «‡¢ Ðí}¢¢‡¢Ð~¢Ï¢ñ´Ü Ýï Ðè»S¢»HS¢è ²¢ïÁ¢Ý¢ Üï ¼ã¼ Ü Ú¢ïÇG Lвï Üï Üë ç¯Ðí¢‰¢ç}¢Ü ¼¢ «‡¢ ÿ¢ï~¢ Üï À¢ïÅï/}¢Š²}¢ 籜¢ Ü ¢ï Ï¢ïÓ¢ çβ¢ ãñ »±æçÚÁ¢±ü Ï¢ñ´Ü ¥¢òÈ §æçDz¢ Üï S¢èÏ¢è»S¢ ТïÅüH (§ü-Üé Ï¢ïÚ) Üï}¢¢Š²}¢ S¢ï Ü ¢ï Ðíç¼±¯ü Ü è ÎÚ S¢ïÜ Ú¢ïÇG Lвï, Ü ¢ï Ü è ÎÚ S¢ï Ü Ú¢ïÇGLвï, Ü ¢ï Ðíç¼±¯ü Ü è ÎÚ S¢ï Ü Ú¢ïÇGLвï, Ü ¢ï Ðíç¼±¯ü Ü è ÎÚ S¢ï Ü Ú¢ïÇGLвï, Ü ¢ï Ðíç¼±¯ü Ü è ÎÚ S¢ï Ü Ú¢ïÇGLвï, Ü ¢ï Ðíç¼±¯ü Ü è ÎÚ S¢ïÜ Ú¢ïÇG LÐ²ï ¥¢ñÚ Ðíç¼±¯ü Ü è ÎÚ S¢ï Ü Ú¢ïÇG LвïÜ ¢ Ü ¢Ú¢ïÏ¢¢Ú çÜ ²¢ ãñ J Ï¢ñ´Ü Ü ¢ï H¢¶ Lвï Ü è È èS¢Ðí¢# ãé§ü ãñ Jã¢H¢æçÜ , Üë ç¯ Ðí¢‰¢ç}¢Ü ¼¢ «‡¢ ÿ¢ï~¢ }¢ï´ S¢êÿ}¢/}¢Š²}¢ 籜¢ }¢ï´

Ü Ú¢ïÇG Lвï Í¢ÅÝï Üï Ï¢¢Î, Ï¢ñ´Ü Ýï ±¯ü Üï çH»Ðíy²ïÜ ç¼}¢¢ãè }¢ï´ Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢, Üë ç¯ »±æÀ¢ïÅï/}¢Š²}¢ 籜¢ Ü è ¥çݱ¢²ü ¥¢±à²Ü ¼¢ Ðí¢# Ü è ãñ J

18.19 ¥¢ÚϢ襢§ü m¢Ú¢ Hx¢¢» x¢» Á¢é}¢¢üÝï Ü ¢ SÐCèÜ Ú‡¢¥¢ÚϢ襢§ü m¢Ú¢ 籜¢è² ±¯ü Üï ΢ñÚ¢Ý Ü ¢ï§ü |¢èÁ¢é}¢¢üÝ¢ Ýãè´ Hx¢¢²¢ x¢²¢ J

18.20 ¥‹² Í¢¢ï¯‡¢¢»¡ :|¢¢Ú¼è² ÚèÁ¢±ü Ï¢ñ´Ü »±æ ݢϢ¢Çü }¢¢ÐÎæÇ¢ï´ Üï ¥ÝéS¢¢Ú ÝèÓ¢ïÎࢢü» x¢» ç±±Ú‡¢ Ϣݢ» x¢» ãñ´ »±æ ǢŢ Ü ¢ S¢æx¢í㇢ ÐíÏ¢æ{Ým¢Ú¢ çÜ ²¢ x¢²¢ ãñ ¼‰¢¢ Hﶢ ÐÚèÿ¢Ü ¢ï´ m¢Ú¢ Á¢¢æÓ¢ Ü è x¢§ü J

Ü ) Ü ¢Ú¢ïÏ¢¢Úè ¥ÝéТ¼ :

250

9-8-2018 0.90% 50

20-8-2018 0.88% 50

29-8-2018 0.88% 50

27-9-2018 1.13% 25

28-9-2018 1.15% 25

31-12-2018 0.99% 25

1.00% 25

239.75

25 2018-19

75% 18% 8%

2018-19

à¢éh »ÝÐè» Ü ¢ ¥çx¢í}¢ S¢ï %¥¢ñS¢¼ Ü ¢²üà¢èH ÐêæÁ¢è ÐÚ Ï²¢Á¢ ¥¢² %¥¢ñS¢¼ Ü ¢²üà¢èH ÐêæÁ¢è ÐÚ x¢ñÚ Ï²¢Á¢ ¥¢² %¥¢ñS¢¼ Ü ¢²üà¢èH ÐêæÁ¢è ÐÚ ÐíÓ¢¢HÝ H¢|¢ %¥¢çS¼²¢ï´ ÐÚ H¢|¢Ðíç¼ Ü }¢üÓ¢¢Úè Ü ¢Ú¢ïÏ¢¢ÚÐíç¼ Ü }¢üÓ¢¢Úè S¢Ü H H¢|¢ ( H¢¶ }¢ï´)Ðíç¼ Ü }¢üÓ¢¢Úè à¢éh H¢|¢ ( H¢¶ }¢ï´)

Percentage of net NPA to gross advances 02.66 01.73

Interest income as a percentage of working fund 07.77 07.83

Non interest income as a percentage to average working fund 00.52 00.48

Operating profit as a percentage to average working fund 00.12 00.78

Return on Assets 00.04 00.11

Business (Deposit + Advance) per employee (`. in lakh) 598.24 586.58

` Gross profit per employee (`. in lakh) 00.15 01.49

` Net profit per employee (`. in lakh) 00.15 00.99

Ï¢ñ´ôÜ x¢ ¶æÇç±±Ú‡¢

Banking Segments

Particulars

31-03-2019As on 31.03.19

Ü ¢ï 31-03-2018As on 31.03.18

Ü ¢ï

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b) Details of Provision and contingencies madeduring the year :

¥çx¢í}¢¢ï´ ÐÚ Ðí¢±{¢Ý»ÝÐè»}¢¢ÝÜÜ Ú Ðí¢±{¢Ýç±Hç}Ï¢¼ ÅñvS¢ Îï²¼¢

Provision on advances

NPA : 150.00 1,500.00

Standard 60.00 100.00

Taxation provision ---- 448.83

Provision for overdraft in Deposit A/c. ---- 4.56

¶) Ó¢¢Hê ±¯ü Üï ΢ñÚ¢Ý çÜ » Ðí¢±{¢Ý »±æ ¥¢Ü çS}¢Ü ¼¢»æ(Ú¢çࢠH¢¶ }¢ï´)`

Ó¢) ¥¢çS¼²¢ï´ »±æ Îï²¼¢¥¢ïæ Ü ¢ ÐçÚÐv±¼¢ S±LÐ (S¢æHxÝ ¥ÝéS¢êÓ¢è¶ ¥ÝéS¢¢Ú)

(Amt. ` in lakh)

f) Maturity pattern of assets and liabilities : (As perAnnexure - B attached herewith).

31.03.19As on 31.03.19

Ü ¢ï 31.03.18As on 31.03.18

Ü ¢ï

e)investment:Details related to SLR investment and Non-SLRÑ) S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ »±æ ¥¢ñÚ x¢ñÚ S¢¢æç±ç{Ü

¼ÚH¼¢ ¥ÝéТ¼ çݱïࢠS¢ï S¢æÏ¢æç{¼ ç±±Ú‡¢ :(Amt. ` in lakh)(Ú¢çࢠH¢¶ }¢ï´)`

S¢¢çæ ±ç{Ü ¼ÚH¼¢ ¥ÝÐé ¢¼ çݱàï ¢ Ü ¢ S¢ÜH }¢Ëê ²x¢Úñ S¢¢çæ ±ç{Ü ¼ÚH¼¢ ¥ÝÐé ¢¼ çݱàï ¢ S¢ÜH }¢Ëê ²(¥ÝéS¢êÓ¢è - Ü Üï ¥ÝéS¢¢Ú)}¢ê˲ãî¢S¢ Üï çH» Ðí¢±{¢Ýçݱïà¢ Ü ¢ à¢éh }¢ê˲

Gross value of SLR investments 133963.58 102339.31

Gross value of Non-SLR investments 3538.02 2039.33

(As per Annexure- A)

Provision for depreciation 501.00 501.00

Net value of investments 137000.60 103877.64

31.03.19As on 31.03.19

Ü ¢ï 31.03.18As on 31.03.18

Ü ¢ï

d)

(Amt. ` in lakh)

Movement of provisions held towards NPA:Í¢) »ÝÐè» Üï çH» Ú¶ï x¢» Ðí¢±{¢Ý¢ï´ Ü è çS‰¢ç¼ :(Ú¢çࢠH¢¶ }¢ï´)`

1 Opening balance as on 1st April, 2018 5132.44 3632.44

ADD : Addition during the year 150.00 1500.00

LESS : Reduction during the year ----- -----

31 Closing Balance as on 31st March, 2019 5282.44 5132.44

¥ÐíñH Ü ¢ï ¥¢çÎ à¢ï¯Á¢¢ïÇGïæ - ±¯ü Üï ΢ñÚ¢Ý ±ëçh͢Ţ»æ - ±¯ü Üï ΢ñÚ¢Ý Ü }¢è

}¢¢Ó¢ü Ü ¢ï ¥æç¼}¢ à¢ï¯

31.03.19As on 31.03.19

Ü ¢ï 31.03.18As on 31.03.18

Ü ¢ï

c) Movement of NPA: (Amt. ` in lakh)x¢) »ÝÐè» Ü è çS‰¢ç¼ : (Ú¢çࢠH¢¶ }¢ï´)`

1 Opening balance as on 1st April, 2018 8084.21 7996.23

ADD : Addition during the year 5410.93 4321.47

LESS : Reduction during the year 3097.75 4233.49

31 Closing Balance as on 31st March, 2019 10397.39 8084.21

¥ÐíñH Ü ¢ï ¥¢çÎ à¢ï¯Á¢¢ïÇïGæ - ±¯ü Üï ΢ñÚ¢Ý ±ëçh͢Ţ»æ - ±¯ü Üï ΢ñÚ¢Ý Ü }¢è

}¢¢Ó¢ü Ü ¢ï ¥æç¼}¢ à¢ï¯

31.03.19As on 31.03.19

Ü ¢ï 31.03.18As on 31.03.18

Ü ¢ï

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g) Since there is no lending to sensitive sectors,information in respect of the same has not beendisclosed.

h) Details of exposure to real estate sector : (As perAnnexure – C attached herewith)

i) Concentration of Deposits, Advances, Exposures andNPAs (As perAnnexure – D attached herewith)

j) Sector-wise NPAs (As per Annexure – E attachedherewith)

k) Movements of NPAs (As per Annexure – F attachedherewith)

l) Details ofAmount transferred to DEAFScheme,2014

(As perAnnexure – G attached herewith)

18.21Disclosure of complaints

Customer Complaints

À) Ó¢êæçÜ S¢æ±ïÎÝà¢èH ÿ¢ï~¢ }¢ï´ Ü ¢ï§ü «‡¢ Ýãè´ çβ¢ ãñ §S¢ S¢æÏ¢æ{ }¢ï´Á¢¢ÝÜ ¢Úè Ýãè´ Îè x¢²è ãñ J

Á¢) çÚ²H »SÅïÅ ÿ¢ï~¢ }¢ï´ ¥Ý¢±ë眢 Ü ¢ ç±±Ú‡¢ (S¢æHxÝ ÐçÚçà¢C-x¢Üï ¥ÝéS¢¢Ú)

Û¢) Á¢}¢¢¥¢ïæ, ¥çx¢í}¢¢ï´, »vS¢Ð¢ïÁ¢G򢕫 ¼‰¢¢ »ÝÐè» Ü ¢ ç±±Ú‡¢ (S¢æHxÝÐçÚçà¢C-Çè Üï ¥ÝéS¢¢Ú)

†¢) S¢ïvÅÚ ±¢Ú »ÝÐè» (S¢æHxÝ ÐçÚçà¢C-§ü Üï ¥ÝéS¢¢Ú)Å) »ÝÐè» Ü ¢ S¢æÓ¢HÝ (S¢æHxÝ ÐçÚçà¢C-»È Üï ¥ÝéS¢¢Ú)Æ) Çè§ü»»È ²¢ïÁ¢Ý¢, }¢ï´ Åî¢æS¢È Ú Ü è x¢§ü Ú¢çà¢ Ü ¢ ç±±Ú‡¢

(S¢æHxÝ ÐçÚçà¢C-Á¢è Üï ¥ÝéS¢¢Ú)çà¢Ü ¢²¼¢ï´ Ü ¢ ÐíÜ ÅèÜ Ú‡¢x¢í¢ãÜ Ü è çà¢Ü ¢²¼ï´

2014

ç±±Ú‡¢Particulars

R }¢No.

(a)

No. of unimplementedAwards at the beginning of the year NIL NIL

(b)

No. ofAwards passed by the Banking Ombudsman during the year NIL NIL

(c)

No. ofAwards implemented during the year NIL NIL

(d)

No. of UnimplementedAwards at the end of the year NIL NIL

±¯ü Üï Ðí¢Úæ|¢ }¢ï´ ¥Ü ¢²¢ü‹±ç²¼ ¥±¢Ç¢ïZ Ü è S¢æw²¢

±¯ü Üï ΢ñÚ¢Ý Ï¢ñ´ôÜ x¢ H¢ïÜ Ð¢H m¢Ú¢ ТçÚ¼ ¥±¢Ç¢ïZ Ü è S¢æw²¢

±¯ü Üï ΢ñÚ¢Ý Ü ¢²¢ü‹±ç²¼ ¥±¢Ç¢ïZ Ü è S¢æw²¢

±¯ü Üï ¥æ¼ }¢ï´ ¥Ü ¢²¢ü‹±ç²¼ ¥±¢Ç¢ïZ Ü è S¢æw²¢

Awards passed by the Banking OmbudsmanÏ¢ñ´ôÜ x¢ H¢ïÜ Ð¢H m¢Ú¢ ТçÚ¼ ¥±¢ÇüìS¢

For, Baroda Gujarat Gramin Bank

-Sd/-(Vineet Kumar Dudeja)

Chairman

For, K. C. Mehta & Co.Chartered Accountants

(FRN : 106237W)

Vishal DoshiPartner

(Membership No.. 101533)

sd/-

Place : VadodaraDate : 18-06-2019

Üë ¼ï, Ï¢ÇG¢ñ΢ x¢éÁ¢Ú¢¼ x¢í¢}¢è‡¢ Ï¢ñ´Ü

-ã/-(ç±Ýè¼ Üé }¢¢Ú ÇéÇïÁ¢¢)

¥Š²ÿ¢

S‰¢¢Ý : ±ÇG¢ïÎÚ¢çÎÝ¢æÜ : 18-06-2019

31.03.18As on 31.03.18

Ü ¢ï

ç±±Ú‡¢Particulars

R }¢No.

(a)

No. of complaints pending at the beginning of the year 09 11

(b)

No. of complaints received during the year 25 31

(c )

No. of complaints redressed during the year 22 33

(d)

No. of complaints pending at the end of the year 12 09

±¯ü Üï Ðí¢Úæ|¢ }¢ï´ çà¢Ü ¢²¼¢ï´ Ü è S¢æw²¢

±¯ü Üï ΢ñÚ¢Ý Ðí¢# çà¢Ü ¢²¼¢ï´ Ü è S¢æw²¢

±¯ü Üï ΢ñÚ¢Ý çÝÐÅ¢§ü x¢§ü çà¢Ü ¢²¼¢ï´ Ü è S¢æw²¢

±¯ü Üï ¥æ¼ }¢ï´ HæçÏ¢¼ çà¢Ü ¢²¼¢ï´ Ü è S¢æw²¢

31.03.18As on 31.03.18

Ü ¢ï31.03.19As on 31.03.19

Ü ¢ï

31.03.19As on 31.03.19

Ü ¢ï

Üë ¼ï Üï . S¢è. }¢ãï¼¢ »‹Ç Ü ¢éæ.S¢ÝÎè Hï¶¢Ü ¢Ú

-ã/-ç±à¢¢H ΢ïà¢è

|¢¢x¢è΢Ú

(FRN : 106237W)

(Membership No.. 101533)

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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çkhkuzk økwshkík økúk{eý çkUf

Annexure – A

(i) Issuer composition of Non-SLR investments ;(Ü ) x¢ñÚ S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ çݱïà¢¢ï´ Ü è Á¢¢ÚèÜ ¼¢üS¢æÚӢݢ :

(Ú¢çࢠH¢¶ }¢ï´)`

ÐçÚçà¢C - Ü

(Amt. ` in lakh)

R }¢S¢æ.

No.

Á¢¢ÚèÜ ¼¢üIssuer

Ú¢çà¢Amount Extent of

privateplacement

çÝÁ¢èŒHïS¢}¢ï‹ÅÜ è S¢è}¢¢

Extent 'belowinvestment

grade'securities

already invested

ÐãHï S¢ï çݱïçࢼ‘çݱïࢠŸ¢ï‡¢è S¢ïÝèÓ¢ï’ Ðíç¼|¢êç¼²¢ï´

Ü è }¢¢~¢¢Extent of'unrated'

securities,alreadyinvested

ÐãHï S¢ï çݱïçࢼ‘¥}¢ê˲¢æçÜ ¼Ðíç¼|¢êç¼²¢ï´’Ü è }¢¢~¢¢

Extend of'unlisted'securities

¥S¢êÓ¢èÏ¢hÐíç¼|¢êç¼²¢ï´Ü è }¢¢~¢¢

(1) (2) (3) (4) (5) (6) (7)

1

PSUs - - - - -

2

FIs - - - - -

3

Banks - NABARD TMB 500.00 - - - -

4

Private corporate - - - - -

5

Others (NABARD - ) 3038.02 - - - -

6

Provision held towards depreciation - - - - -

Total 3538.02 - - - -

S¢¢±üÁ¢çÝÜ ÿ¢ï~¢ Üï Ï¢ñ´Ü

籜¢è² S¢æS‰¢¢»æ

Ï¢ñ´Ü - ݢϢ¢Çü Åè»}¢Ï¢è

çÝÁ¢è Ü ¢Ð¢ïüÚïÅ

¥‹² (ݢϢ¢Çü - ç}¢²¢Îè }¢éÎí¢ ©{¢Ú)

}¢ê˲ãî¢S¢ ãï¼é çÜ ²¢ x¢²¢ Ðí¢±{¢Ý

Á¢¢ïÇG

(¶) x¢ñÚ çÝcТçμ x¢ñÚ S¢¢æç±ç{Ü ¼ÚH¼¢ ¥ÝéТ¼ çݱïà¢

(Ú¢çࢠH¢¶ }¢ï´)`

(ii) Non-Performing Non-SLR Investments

(Amt. ` in lakh)

Ú¢çà¢Amount

ç±±Ú‡¢Particulars

Ðí¢Úæç|¢Ü à¢ï¯±¯ü Üï ΢ñÚ¢Ý ¥ÐíñH S¢ï ¥ç|¢±ëçh©Q ±¯ü Üï ΢ñÚ¢Ý Ü }¢è¥æç¼}¢ à¢ï¯Üé H Ðí¢±{¢Ý

Opening Balance NIL

1 Additions during the year since 1 April NIL

Reductions during the above period NIL

Closing Balance NIL

Total Provisions held NIL

st

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

82

çkhkuzk økwshkík økúk{eý çkUfçÎÝ¢ï´ }¢ï´

Annexure – B

Maturity pattern of assets and liabilities

(Amt. ` in lakh)

Üé HTotal

5 S¢¢HS¢ï ¥ç{Ü

Over5 years

3 S¢¢HS¢ï 5 S¢¢H

¼Ü¥ç{ÜOver 3years

up to 5years

1 S¢¢HS¢ï 3 S¢¢H

¼Ü¥ç{ÜOver 1year up

to 3years

6 }¢çãÝ¢ï´S¢ï

1 S¢¢H¥ç{ÜOver 6months

to 1year

3 }¢çãÝ¢ï´S¢ï

6 }¢çãÝ¢ï´S¢ï ¥ç{ÜOver 3months

to 6months

29 çÎÝ¢ï´S¢ï

3 }¢çãÝï29 days

to 3months

15 - 28

çÎÝ¢ï´ }¢ï´15 - 28Days

1 - 14

çÎÝ¢ï´ }¢ï´1 - 14Days

ÐçÚÐv±¼¢ S±LÐMaturity Pattern

Á¢}¢¢

¥çx¢í}¢

çݱïà¢

©{¢Ú

ç±Îïà¢è }¢éÎí¢ ¥¢çS¼²¢æ

ç±Îïà¢è }¢éÎí¢ Î¢ç²y±

Deposits 26075.35 7751.28 32456.14 38397.50 82321.62 182259.29 15968.46 1389.89 386619.53

Advances 19139.59 1595.16 4037.00 7221.40 14146.26 105424.60 17230.30 23680.81 192475.12

Investments 19523.01 1980.00 6039.00 13949.12 60106.36 19489.86 44013.30 58502.96 223603.61

Borrowings 38.66 00.00 0.24 3594.18 7353.58 10515.65 3986.48 36.30 25525.09

Foreign CurrencyAssets - - - - - - - - -

Foreign CurrencyLiabilities - - - - - - - - -

¥¢çS¼²¢ïæ »±æ ΢ç²y±¢ï´ Ü ¢ ÐçÚÐv±¼¢ S±LÐ(Ú¢çࢠH¢¶ }¢ï´)`

ÐçÚçà¢C - ¶

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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çkhkuzk økwshkík økúk{eý çkUf

Annexure – C

Exposures - Exposure to Real Estate Sector

(Amt. ` in lakh)

çÐÀH¢ ±¯üPrevious

Year

Ó¢¢Hê ±¯üCurrent

Year

R }¢S¢æ.Sr.No.

Ÿ¢ï‡¢èCategory

¥Ý¢±ë眢 - çÚ²H »SÅïÅ ÿ¢ï~¢ }¢ï´ ¥Ý¢±ë眢(Ú¢çࢠ` H¢¶ }¢ï´)

ÐçÚçà¢C - x¢

a

Direct exposure

(i)

` 20

Residential Mortgages Upto 25733.28 24100.07Lending fully secured by mortgages on residential property that is or ` 20 lacswill be occupied by the borrower or that is rented (individual housing

loan upto ` 20 lakh may be shown separately) ` 20

Above 8742.09 6388.13` 20 lacs

(ii)

Commercial Real EstateLending secured by mortgages on commercial real estates (office buildingsretail space, multi-purpose commercial premises, multi-family residentialbuildings, multi-tenanted commercial premises, industrial or warehousespace, hotels, land acquisition, development and construction, etc.)Exposure would also include non-fund based (NFB) limits ; 1633.86 2053.85

(iii)

Investment in Mortgage Backed Securities (MBS) andother securitised exposures 0.00 0.00

a. Residential 0.00 0.00

b. Commercial Real Estate 0.00 0.00

b

Indirect Exposure 0.00 0.00

Fund-based and non-fund based exposures on National HousingBank (NHB) and Housing Finance Companies (HFCs) 0.00 0.00

Ðíy²ÿ¢ ÐíÎà¢üÝ

¥¢±¢S¢è² Ï¢æ{Ü H¢¶©Ý ¥¢±¢S¢è² S¢}Ð眢²¢ï´, Á¢¢ï ©{¢ÚÜ ¼¢ü m¢Ú¢ ¥ç{±¢çS¢¼ ãñ´ ²¢ ã¢ï´x¢è ²¢ Á¢¢ï çÜ Ú¢» ÐÚ ãñ´, ÐÚÏ¢æ{Ü m¢Ú¢ Ðꇢü ¥ç|¢Úçÿ¢¼ «‡¢ ( H¢¶ ¼Ü Üï òçQ x¢¼ ¥¢±¢S¢è² «‡¢ ¥Hx¢S¢ï çζ¢²ï Á¢¢ S¢Ü ¼ï ãñ´)

H¢¶S¢ï ¥ç{Ü

±¢ç‡¢Á² ¥Ó¢H S¢æÐ眢±¢ç‡¢Á² ¥Ó¢H S¢æÐ眢 ÐÚ Ï¢æ{Ü m¢Ú¢ Ðꇢü ¥ç|¢Úçÿ¢¼ «‡¢ (Ü ¢²¢üH² |¢±Ý, ¶éÎÚ¢ S‰¢¢Ý,Ï¢ãé ©gïà¢è² ±¢ç‡¢Á² Ðí¢æx¢‡¢, Ï¢ãé-ÐçÚ±¢Ú ¥¢±¢S¢è² |¢±Ý, Ï¢ãé çÜ Ú¢»Î¢Úè ±¢ç‡¢Á² Ðí¢æx¢‡¢,¥¢ñl¢ïçx¢Ü ²¢ }¢¢H x¢¢ï΢}¢ Ü è Á¢x¢ã, ã¢ïÅH, |¢êç}¢ ¥ç{x¢í㇢, ç±Ü ¢S¢ »±æ çÝ}¢¢ü‡¢ §y²¢çÎ )¥Ý¢±ë眢²¢ï´ }¢ï´ x¢ñÚ-çÝç{ ¥¢{¢çÚ¼ (»Ý»È Ï¢è) S¢è}¢¢»æ |¢è ࢢç}¢H ãñ J

Ï¢æ{Ü S¢}¢<‰¢¼ Ðíç¼|¢êç¼²¢ï´ }¢ï´ çݱïࢠ(»}¢Ï¢è»S¢) »±æ ¥‹² Ðíç¼|¢êç¼¼ ¥Ý¢±ë眢²¢¡

(Ü ) ¥¢±¢S¢è²(¶) ±¢ç‡¢Á² ¥Ó¢HS¢æÐ眢

¥Ðíy²ÿ¢ ¥Ý¢±ë眢

Ú¢cÅîè² ¥¢±¢S¢è² Ï¢ñ´Ü (»Ý»Ó¢Ï¢è) »±æ ¥¢±¢S¢è² 籜¢ Üæ Ðçݲ¢ï´ (»Ó¢»È S¢è)ÐÚ çÝç{ ¥¢{¢çÚ¼ »±æ x¢ñÚ-çÝç{ ¥¢{¢çÚ¼ ¥Ý¢±ë眢

` 20

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

84

çkhkuzk økwshkík økúk{eý çkUf

Annexure – D

Concentration of Deposits, Advances, Exposures & NPAs

(Amt. ` in Lakhs)

Á¢}¢¢¥¢ïæ Ü ¢ S¢æÜï ‹Î퇢Concentration of Deposits

Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï Á¢}¢¢Ü ¼¢ü¥¢ïæ Ü è Üé H Á¢}¢¢»¡Total Deposits of Twenty Largest Depositors

Ï¢ñ´Ü Ü è Üé H Á¢}¢¢¥¢ïæ }¢ï´ Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï Á¢}¢¢Ü ¼¢ü¥¢ïæ Ü è Á¢}¢¢¥¢ïæ Ü ¢ Ðíç¼à¢¼Percentage of deposits of twenty largest depositors to Total Deposits of the Bank

14850.85

03.84%

»ÝÐè» Ü ¢ S¢æÜï ‹Î퇢Concentration of NPAs

Ó¢¢Ú Ï¢ÇGï »ÝÐè» ¶¢¼¢ï´ }¢ï´ Üé H ¥Ý¢±ë眢 Total Exposure to Top Four NPA Accounts

Ï¢ñ´Ü Üï Ó¢¢Ú S¢Ï¢S¢ï Ï¢ÇGï »ÝÐè» }¢ïï´ ¥Ý¢±ë眢 Ü ¢ Ðíç¼à¢¼Percentage of Exposures to Top Four NPA of the Bank

1485.95

00.77%

¥çx¢í}¢¢ï´ Ü ¢ S¢æÜï ‹Î퇢*Concentration of Advances*

Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï «ç‡¢²¢ï´ Ü ¢ï çλ x¢» Üé H «‡¢Total Advances to Twenty Largest Borrowers

Ï¢ñ´Ü Üï Üé H ¥çx¢í}¢¢ï´ }¢ï´ Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï «ç‡¢²¢ï´ Ü ¢ï çλ x¢» ¥çx¢í}¢¢ï´ Ü ¢ Ðíç¼à¢¼Percentage of Advances to twenty largest borrowers to Total Advances of the Bank

* ¥çx¢í}¢¢ï´ Ü è x¢‡¢Ý¢ ¥¢çS¼ ±x¢èüÜ Ú‡¢ Üï Ðí¢±{¢Ý¢ï´ ¼‰¢¢ ¥Ý¢±ë眢 S¢è}¢¢ Üï çH» ç±±ïÜ Ðꇢü }¢¢ÝÎæÇ¢ï´ ÐÚ ã}¢¢Úï ÐçÚÐ~¢ ¥¢ÚÐèS¢èÇè.¥¢Ú¥¢ÚÏ¢è.Ï¢èS¢è. 97/03.05.34/2000-01 çÎÝ¢æÜ 11 Á¢êÝ, 2001 Üï ¥ÝéS¢¢Ú Ü è Á¢¢Ýè Ó¢¢çã» J* Advances are computed as prescribed in our Circular on Strengthening of Prudential Norms -Provisioning Asset classification and Exposure Limit RPCD.RRB.BC.97/03.05.34/2000-01 dated June 11-2001as per Circular RPCD.RRB.BC.97/03.05.34/2000-01 dated June 11-2001

7233.53

03.76%

¥Ý¢±ë眢 Ü ¢ S¢æÜï ‹Î퇢**Concentration of Exposures**

Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï «ç‡¢²¢ï´/x¢í¢ãÜ ¢ï´ Ü ¢ Üé H ¥Ý¢±ë眢 Total Exposures of Twenty Largest Borrowers / Customers

«ç‡¢²¢ï´/x¢í¢ãÜ ¢ï´ ÐÚ Ï¢ñ´Ü Ü è Üé H ¥Ý¢±ë眢 }¢ï´ Ï¢èS¢ S¢Ï¢S¢ï Ï¢ÇGï «ç‡¢²¢ï´/x¢í¢ãÜ ¢ï´ Üï »vS¢Ð¢ïÁ¢Ú Ü ¢ Ðíç¼à¢¼Percentage of Exposures to Twenty Largest Borrowers / Customers to Total Exposuresof the Bank on borrowers / customers

** »vS¢Ð¢ïÁ¢GÚ Ü è x¢‡¢Ý¢, ç±±ïÜ Ðꇢü }¢¢ÝÎæÇ-¥¢çS¼ ±x¢èüÜ Ú‡¢ Üï Ðí¢±{¢Ý »±æ ÐÚ ã}¢¢Úï ÐçÚÐ~¢ ¥¢ÚÐèS¢èÇè.¥¢Ú¥¢Ú.Ï¢è.Ï¢èS¢è.97/03.05.34/2000-01 çÎÝ¢æÜ 11 Á¢êÝ 2001 }¢ï´ çÝ{¢üçÚ¼ «‡¢ »±æ çݱïࢠ»vS¢Ð¢ïÁ¢Ú Üï ¥¢{¢Ú ÐÚ Ü è Á¢¢Ýè Ó¢¢çã» J**Exposures are computed based on credit and investment exposures as prescribed in our Circularon Strengthening of Prudential Norms - Provisioning Asset classification and Exposure LimitRPCD.RRB.BC.97/03.05.34/2000-01 dated June 11, 2001

9038.95

03.62%

Á¢}¢¢¥¢ïæ, ¥çx¢í}¢¢ï´, ¥Ý¢±ë眢²¢ï´ ¼‰¢¢ »ÝÐè» Ü ¢ S¢æÜï ‹Î퇢(Ú¢çࢠ` H¢¶ }¢ï´)

ÐçÚçà¢C - Í¢

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

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çkhkuzk økwshkík økúk{eý çkUf

Annexure – E

II. Sector-wise NPAs

(Amt. ` in Lakh)II. ÿ¢ï~¢±¢Ú »ÝÐè»

(Ú¢çࢠ` H¢¶ }¢ï´)

ÐçÚçà¢C - Ó¢

A PrioritySector 166427.42 9650.84 05.80 140839.39 7439.15 05.28

1)

Agriculture &AlliedActivities 88468.63 5537.03 6.26 77293.10 4722.42 6.11

of

which 1 Crop Loans (including KCC) 76269.62 3860.16 5.06 64298.99 2817.11 04.38

2)

Advances to Industries sectoreligible as priority sector lending 10127.49 1149.14 11.35 9445.21 489.05 05.18

3) Services 30247.91 2115.03 6.99 26088.01 1577.03 06.04

4) Personal Loans 37583.39 849.64 2.26 28013.07 646.01 02.31

of

which 4 Housing Loans 34476.85 474.53 1.38 24916.40 301.28 01.21

Sub Total (A) 166427.42 9650.84 05.80 140839.39 7439.15 05.28

B)

Non-Priority Sector 26047.70 746.54 2.87 29868.01 649.70 02.18

1)

Agricultural &AlliedActivities 0.00 0.00 0.00 0.00 0.00 0.00

2) Industry 0.00 0.00 0.00 0.00 0.00 0.00

3) Services 0.00 0.00 0.00 0.00 0.00 0.00

4) Personal Loans 26047.70 746.54 2.87 29868.01 649.70 02.18

Sub Total (B) 26047.70 746.54 2.87 29868.01 649.70 02.18

Total (A+B) 192475.12 10397.39 05.40 170707.40 8084.21 04.74

Ð¢í ‰¢ç}¢Ü ¼¢ ÿ¢~ï ¢

Üë ç¯ »±æ S¢æÏ¢ç‹{¼ x¢ç¼ç±ç{²¢¡

È S¢H «‡¢ (Üï S¢èS¢è S¢çã¼)

Ðí¢‰¢ç}¢Ü ¼¢ ÿ¢ï~¢ «‡¢¢ï´ Üï çH» Т~¢©l¢ïx¢ ÿ¢ï~¢ Ü ¢ï ¥çx¢í}¢

S¢ï±¢

±ñ²çQ Ü «‡¢

¥¢±¢S¢è² «‡¢

©ÐÁ¢¢ïÇG (»)

x¢ñÚ Ðí¢‰¢ç}¢Ü ¼¢ Ðí¢# ÿ¢ï~¢

Üë ç¯ »±æ S¢æÏ¢ç‹{¼ x¢ç¼ç±ç{²¢¡

©l¢ïx¢

S¢ï±¢

±ñ²çQ Ü «‡¢

©ÐÁ¢¢ïÇG (Ï¢è)

Üé H (»+Ï¢è)

ÿ¢ï~¢ Üï Üé H¥çx¢í}¢¢ï´ Üï

S¢Ü H »ÝÐè»Ü ¢ Ðíç¼à¢¼

ÿ¢ï~¢ Üï Üé H¥çx¢í}¢¢ï´ Üï

S¢Ü H »ÝÐè»Ü ¢ Ðíç¼à¢¼

% of GrossNPAs to TotalAdvances inthat sector

% of GrossNPAs to TotalAdvances inthat sector

Üé H ¥çx¢í}¢à¢ï¯

OutstandingTotal

Advances

Üé H ¥çx¢í}¢à¢ï¯

OutstandingTotal

Advances

S¢Ü H»ÝÐè»GrossNPAs

S¢Ü H»ÝÐè»GrossNPAs

R }¢S¢æ.Sr.No.

ÿ¢ï~¢Sector

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±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

86

çkhkuzk økwshkík økúk{eý çkUf±¢<¯Ü Ðíç¼±ïÎÝ 2018-19Annual Report 2018-19

86

çkhkuzk økwshkík økúk{eý çkUf

Annexure – F

III. Movement of NPAs

(Amt. ` in Lakh)

ç±x¢¼Particulars

±¯ü ç±à¢ï¯ Ü ¢ 1 ¥ÐíñH Ü ¢ï S¢Ü H »ÝÐè» (Ðí¢Úæç|¢Ü à¢ï¯)Gross NPAs as on 1st April of 2018

±¯ü Üï ΢ñÚ¢Ý ¥ç|¢±ëçh (Ý» »ÝÐè»)Additions (Fresh NPAs) during the year

©Ð Á¢¢ïÇ (») Sub Total (A)

©Ð Á¢¢ïÇ (Ï¢è) Sub Total (B)

Ü }¢èLess :

a) ©ó¢²Ý Upgradations

b) ±S¢êçH²¢æ (¥Ðx¢íïÇ çÜ » ¶¢¼¢ï´ S¢ï ãé§ü ±S¢êçH²¢ï´ Ü ¢ï À¢ïÇGÜ Ú) Recoveries (excluding recoveries made from upgraded accounts)

c) Ï¢^ï ¶¢¼ï Write-Offs

¥¢x¢¢}¢è ±¯ü Üï 31 }¢¢Ó¢ü Ü ¢ï S¢Ü H »ÝÐè» (¥æç¼}¢ à¢ï¯) (Ü -¶)Gross NPAs as on 31st March of following year (Closing Balance) (A-B)

8084.21

5410.93

13495.14

879.39

1816.44

401.92

3097.75

10397.39

III. ÿ¢ï~¢±¢Ú »ÝÐè»(Ú¢çࢠ` H¢¶ }¢ï´)

ÐçÚçà¢C - À

Annexure – G

Details of Amount transferred to DEAF Scheme 2014

(Amt. ` in Lakh)

Ó¢¢Hê ±¯üCurrent Year(31-03-2019)

x¢¼ ±¯üPrevious Year(31-03-2018)

Çè§ü»»È }¢ï´ ¥æ¼çÚ¼ Ú¢çà¢ Ü ¢ ¥¢çÎ à¢ï¯Opening balance of amounts transferred to DEAF

͢Ţ»æ : ΢±¢ï´ Üï çH» Çè§ü»»È m¢Ú¢ Ðíç¼Ðê<¼¼ Ú¢çà¢Less : Amounts reimbursed by DEAF towards claims

Á¢¢ïÇï´G : ±¯ü Üï ΢ñÚ¢Ý Çè§ü»»È }¢ï´ ¥æ¼çÚ¼ Ú¢çࢠAdd. : Amounts transferred to DEAF during the year

Çè§ü»»È }¢ï´ ¥æ¼çÚ¼ Ú¢çà¢ Ü ¢ ¥æç¼}¢ à¢ï¯Closing balance of amounts transferred to DEAF

788.90

39.77

491.81

1240.94

1240.94

53.01

646.29

1834.22

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