abu dhabi commercial bank pjsc – india branches · (incorporated in the u.a.e. with limited...
TRANSCRIPT
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly572
!"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2PROFIT AND LOSS ACCOUNT FOR THE YEAR
%#3%3&+!,$(&-./& 01.2
Year ended Year ended
& '4567896:& +;<45&-./& +;<45&-./
& & 01.2& 01.=
I. INCOME
!"#$%$&# '(%"$) *+ ./>?0/@@0 *,-./,+.0
1#2$% !"345$ *6 0=A/@@@& /*7,0/0
TOTAL 0/0@2/??= /,07-,+80
II. EXPENDITURE
!"#$%$&# '9:$")$) *. ./A--/2>1& *,+-.,-8+
1:$%(#;"< '9:$"&$& *7 &@10/=-=& +-6,70.
=%4>;&;4"& (") ?4"#;"<$"3;$& *- @*.A .A-/11A */.,8/-
)*)!"&&&&&&&&&& & &0/1?>/@-.& *,-B7,/07
III. PROFIT/(LOSS)
C$# =%4D# E4% #2$ F$(% .A?/@AA& *8/,*76
=%4D# G@H4&&A I%4J<2# E4%K(%) L L
)*)!"&&&&&&&&&& &&& &.A?/@AA& *8/,*76
IV. APPROPRIATIONS
M%("&E$% #4 N#(#J#4%F O$&$%>$& ->/=.@ 6+,06*
O$5;##(IP$ NJ%:PJ&
O$#(;"$) ;" !");( E4% ?OQO &..?/?@.& */B,*/+
R(P("3$ 3(%%;$) 4>$% #4
R(P("3$ N2$$# L L
)*)!"&&&&&&&&&& &&& &&.A?/@AA& *8/,*76
N;<";D3("# Q334J"#;"< :4P;3;$& *8
C4#$& #4 (334J"#& *-
M2$ (3345:("F;"< &32$)JP$& (%$ (" ;"#$<%(P :(%# 4E #2$ =%4D# (")
H4&& Q334J"#
As on As on
& '4567896:& +;<45&-./& +;<45&-./
& & 01.2& 01.=
CAPITAL AND LIABILITIES
?(:;#(P * &0/.21/.?2 /,*80,*-8
O$&$%>$& (") NJ%:PJ& / &&./=2A/...& *,.*7,7.7
S$:4&;#& + 0?/-2@/.>@ /0,-+7,0B0
R4%%4K;"<& 6 ./=A2/111 *,+//,0B7
1#2$% H;(I;P;#;$& (") =%4>;&;4"& . ?2@/>A.& *,0-.,-6/
)*)!"& & -@/2A./@@-& /7,B+0,-8*
ASSETS
?(&2 (") R(P("3$& K;#2
O$&$%>$ R("T 4E !");( 7 ./.A=/>-@&& 88.,70+
R(P("3$& K;#2 R("T& (") U4"$F
(# ?(PP (") N24%# C4#;3$ 8 0/2??/11> /,/8B,8+8
!">$$"#& - =/?@>/@.1 +,0-7,*/8
Q)>("3$& B 0-/.1?/.-?& *B,B76,8.0
V;9$) Q&&$#& *0 &>-/=-=& -B,B*/
1#2$% Q&&$#& ** 2AA/-.=& 8+6,86/
TOTAL &-@/2A./@@-& /7,B+0,-8*
?4"#;"<$"# H;(I;P;#;$& */ ../202/?.? *B,087,8++
R;PP& E4% ?4PP$3#;4" ./==0/.12& *,/07,B-B
N;<";D3("# Q334J"#;"< :4P;3;$& *8
C4#$& #4 (334J"#& *-
M2$ (3345:("F;"< &32$)JP$& (%$ (" ;"#$<%(P :(%# 4E #2$
R(P("3$ N2$$#
(Rs ‘000s) (Rs ‘000s)
Q& :$% 4J% %$:4%# 4E $>$" )(#$
V4% (") 4" I$2(PE 4E
C N K & Associates LLP ABU DHABI COMMERCIAL BANK PJSC - INDIA BRANCHES
Chartered Accountants
V;%5 O$<W C4X *0*B7*Y G YZ*000+7
N)GZ N)GZ
Manish Sampat Darayus P. Bajan
=(%#"$% ?2;$E '9$3J#;>$ 1ED3$% Z !");(
U$5I$%&2;: C4W*0*7-6
UJ5I(;
/- [J"$ /0*8
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 573
$!'(&B"*C&')!)%+%#)&B*,&)(%&D%!,&%#3%3&+!,$(&-./&01.2
(Rs. ‘000s)
Year ended Year ended +;<45&-./&01.2 U(%32 +*, /0*7 $;:5&EFG:&H<FI&FJ6<;KLMN&;4KLOLKL6:& & &
C$# =%4D#G@H4&&A I$E4%$ #(9 +06,B/- /--,B+7
Adjustment for : V4%$;<" '932("<$ @\(;"AGH4&& &.@/>-1& @*0,+B.AH4"< #$%5 O$#$"#;4" ?4&# &?/2?0& 8,*8* S$:%$3;(#;4" 32(%<$ E4% #2$ F$(% &.A/>AA& */,-.6 S$:%$3;(#;4" 4" ;">$$"#& – L =%4>;&;4" E4% Q)>("3$& &../A10& -,B.7 1#2$% =%4>;&;4"& – L =%4D# 4" &(P$ 4E D9$) (&&$#& &P?1Q L H4&& 4" &(P$ 4E D9$) (&&$#& &@?& *.+ !"#$%$&# 4" ]MU ;">$$"# &$3J%;#;$& &P01@/2A2Q @*6B,8-*A
& &.A./-1?&& *.8,-B. Adjustments for :
@!"3%$(&$AGS$3%$(&$ ;" M$%5 =P(3$5$"#& &A11/111& *,.00,000 @!"3%$(&$AGS$3%$(&$ ;" !">$$"#& @$93PJ);"< ]MU &$3J%;#;$&A &P0/@=>/A.=Q /B+,6.6 @!"3%$(&$AGS$3%$(&$ ;" Q)>("3$& &P-/.@-/-??Q @/,607,-0BA!"3%$(&$G@S$3%$(&$A ;" R4%%4K;"<& &P>>0/1>=Q @BB0,606A!"3%$(&$G@S$3%$(&$A ;" S$:4&;#& &2/A-?/.1@& *,*B*,687 @!"3%$(&$AGS$3%$(&$ ;" 1#2$% Q&&$#& &A./.1>& **-,B*. !"3%$(&$G@S$3%$(&$A ;" 1#2$% P;(I;P;#;$& (") :%4>;&;4"& &P0@=/.1AQ @*+,-*0A
&./0-?/.1?&& @+08,*8BA!"345$ M(9 @:(;)AG%$EJ") %$3$;>$) &P.-2/?=2Q @*80,600A
Net cash generated from/(used in) operating activities !& &./0A./A@>& @+*B,7-6A
$;:5&B9FG:&H<FI&LMO6:KLMN&;4KLOLKL6:& & &
!"#$%$&# %$3$;>$) 4" ]MU ;">$$"# &$3J%;#;$& &.0@/@=?& B-,*06 @!"3%$(&$AGS$3%$(&$ ;" !">$$"#& @]MU &$3J%;#;$&A &P./0>-/2=2Q @+B,**/A=J%32(&$ 4E D9$) (&&$#& &P.>/2-0Q @/*,68*A=%43$$)& E%45 &(P$ 4E D9$) (&&$#& &?=& 6.
#6K&4;:5&N6M6<;K67&H<FIRP8:67&LMQ&LMO6:KLMN&;4KLOLKL6:& & &P./.??/>@AQ +8,.77
$;:5&B9FG:&H<FI&SM;M4LMN&;4KLOLKL6:& & &
!"EJ&;4" 4E VJ")& E%45 ]$() 1ED3$ – L
#6K&4;:5&EFG:&N6M6<;K67&H<FI&SM;M4LMN&;4KLOLKL6:& $& &T&&&& &T&&&
#6K&LM4<6;:6RP764<6;:6Q&LM&4;:5&;M7&4;:5&6U8LO;96MK:&P!V V$Q& & &=0/=1@& @/-/,**-A
?(&2 (") ?(&2 '^J;>(P$"#& (# #2$ I$<;"";"< 4E #2$ F$(% &0/AAA/-->& /,-+8,6.8 ?(&2 (") ?(&2 '^J;>(P$"#& (# #2$ $") 4E #2$ F$(% _ &0/=.2/>@-& /,...,++B
@C4#$X ?(&2 (") ?(&2 '^J;>(P$"#& %$:%$&$"#& ?(&2 (") R(P("3$ K;#2 &0/=.2/>@-& /,...,++B
O$&$%>$ R("T 4E !");( (") R(P("3$& K;#2 R("T& (") U4"$F (# ?(PP (") N24%# "4#;3$A – L
_ ?(&2 (") ?(&2 $^J;>(P$"# ;"3PJ)$& ?OO I(P("3$ 5(;"#(;"$) K;#2 OR! 4E O&W -7+,++0 GL #24J&(") @=%$>;4J& F$(% O&W 88*,/7-GL #24J&(")A
,64FM4L9L;KLFM&FH&$;:5&;M7&$;:5&%U8LO;96MK:&GLK5& ;9;M46&:566K& & &
N32$)JP$ 7 L ?(&2 (") R(P("3$& K;#2 O$&$%>$ R("T 4E !");( &./.A=/>-@& 88.,70/ N32$)JP$ 8 L R(P("3$& K;#2 R("T& (") U4"$F (# ?(PP (") N24%# C4#;3$ &0/2??/11> /,/8B,8+8 N2$)JP$ - L !">$$"#& – L H$&& X !">$$"#& 54%$ #2(" B0 )(F& – L H$&& X H$");"< 4%;<;"(P 5(#J%;#F 54%$ #2(" B0 )(F& – @.00,000AH$&& X R4%%4K;"< 4%;<;"(P 5(#J%;#F P$&& #2(" B0 )(F& &P./-02/111Q L
$;:5&W&$;:5&%U8LO;96MK:&;:&J6<&$;:5EFG&:K;K6I6MK &0/=.2/>@-& /,...,++B
Q& :$% 4J% %$:4%# 4E $>$" )(#$
V4% (") 4" I$2(PE 4E
C N K & Associates LLP ABU DHABI COMMERCIAL BANK PJSC – INDIA BRANCHES Chartered Accountants V;%5 O$<W C4X *0*B7*YGYL*000+7
N)GZ N)GZManish Sampat Darayus P. Bajan =(%#"$% ?2;$E '9$3J#;>$ 1ED3$% L !");(U$5I$%&2;: C4W*0*7-6
UJ5I(; /- [J"$ /0*8
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly574
As on Q& 4"
& +;<45&-./& U(%32 +*,
01.2& /0*7
SCHEDULE 1 - CAPITAL
I. Capital
;A 1:$";"< R(P("3$ &0/.21/.?2 /,*80,*-8 ;;A ?(:;#(P !"EJ&;4" )J%;"< #2$ F$(% – L
0/.21/.?2 /,*80,*-8
)*)!"&& &&0/.21/.?2& /,*80,*-8
!!W Q54J"# @V(3$ (PJ$A 4E S$:4&;# T$:# ;" #2$ E4%5 4E &$3J%;#;$& K;#2 #2$ O$&$%>$ R("T 4E !");( JG& ** @/A @IA 4E #2$ R("T;"< O$<JP(#;4" Q3#, *B6B =11/111 ..0,000
'$(%3X"%&0&Y&,%'%,Z%'&!#3&
SURPLUS
I. Statutory Reserves ;A 1:$";"< R(P("3$ &@?>/@0-& 667,+-/ ;;A Q));#;4"& )J%;"< #2$ F$(% ->/=.@ 6+,06*
A0>/1-2& 6-B,6/+
II. Capital Reserves
;A R(P("3$ (& :$% P(&# R(P("3$ N2$$# .@/2..& *6,8** ;;A Q));#;4"& )J%;"< #2$ F$(% – L
.@/2.. *6,8**
III. Investment Reserve Account ;A 1:$";"< R(P("3$ ./A?> *,.-B ;;A Q));#;4"& )J%;"< #2$ F$(% L L
./A?> *,.-B
IV. Remittable Surplus retained in
India for CRAR ;A 1:$";"< R(P("3$ ?2>/-2@& 8.0,/.* ;;A Q));#;4"& )J%;"< #2$ F$(% ..?/?@.& */B,*/+
&>>?/0.A& -8B,+86
V. Revenue and Other Reserves ;A 1:$";"< R(P("3$ .-./AA>& *+*,..B ;;A Q));#;4"& )J%;"< #2$ F$(% L L
.-./AA> *+*,..B
Z[\&& ;9;M46&LM&]<FSK&;M7&"F::&!44F8MK – L
)*)!"&& &./=2A/... *,.*7,7.7
SCHEDULE 3 - DEPOSITS
A) I. Demand Deposits ;A V%45 I("T& .@-/.A@& *.B,66- ;;A V%45 4#2$%& -/121/-?1& /,.8-,/--
&-/0.-/A-@& /,8+8,8+7
[[\&& ';OLMN:& ;M^&36JF:LK:& &&2-0/?1-& -66,000
III. Term Deposits ;A V%45 I("T& A11/111 L ;;A V%45 4#2$%& &0-/>02/?A2& *8,/.6,+.6
0@/@02/?A2& *8,/.6,+.6
)*)!"&&&&&&& &0?/-2@/.>@& /0,-+7,0B0
Q&& [\&& 36JF:LK:&FH&_<;M456:&LM&[M7L;& &0?/-2@/.>@& /0,-+7,0B0 II. Deposits of branches
outside India – L
)*)!"&&& &0?/-2@/.>@& /0,-+7,0B0
(Rs ‘000s) (Rs ‘000s)
'$(%3X"%'&B*,+[#`&]!,)&*B&)(%& !"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2
As on Q& 4"
& +;<45&-./& U(%32 +*,
01.2& /0*7
SCHEDULE 4 - BORROWINGS
&[\&& F<<FGLMN:&LM&[M7L;
;A O$&$%>$ R("T 4E !");( – L ;;A 1#2$% I("T& -=1/111 .0,000 ;;;A 1#2$% ;"&#;#J#;4"& (") (<$"3;$& L L
[[\&& F<<FGLMN:&F8K:L76&[M7L;& ./0>2/111& *,/8/,0B7
TOTAL (I & II) ./=A2/111& *,+//,0B7
'648<67& F<<FGLMN:&LM498767&
in I & II above – L
'$(%3X"%&A&Y&*)(%,&
LIABILITIES AND PROVISIONS
I. R;PP& :(F(IP$ ?0/=.A& 7-,7-+ II. !"#$%Z1ED3$ ()aJ$"#& @C$#A – LIII. !"#$%$&# (33%J$) -0./A22& +8+,-86 IV. S$E$%%$) M(9 H;(I;P;#F @C$#A – L V. 1#2$%& b;"3PJ)$& :%4>;&;4" #4K(%)& &@21/2A> 76+,/-. &#(")(%) (&&$#& (") c"2$)<$) V4%$;<" ?J%%$"3F '9:4&J%$ O&W BB,-00 #24J&(") @:%$>;4J& F$(% O&W B0,000 #24J&(")Ad
TOTAL (I to V) &?2@/>A. *,0-.,-6/
'$(%3X"%&=&Y&$!'(&!#3&
BALANCES WITH RESERVE
BANK OF INDIA
[\& $;:5&LM&5;M7&& =/-1.& 6,7B/ @;"3PJ);"< E4%$;<" 3J%%$"3F "4#$&A
[[\& ;9;M46:&GLK5&,6:6<O6& ;M^&
of India
;A !" ?J%%$"# Q334J"# &./.A1/=--&& 880,B** ;;A !" 1#2$% Q334J"#& – L
TOTAL (I & II) &./.A=/>-@&& 88.,70+
'$(%3X"%&2&Y& !"!#$%'&C[)(&
BANKS AND MONEY AT
CALL & SHORT NOTICE
I. In India
& LQ&& ;9;M46:&GLK5&_;M^:&
(A !" ?J%%$"# Q334J"#& .=/102 */,BB*
IA !" 1#2$% S$:4&;# Q334J"#& – .00,000
ii) Money at call and short notice
(A Y;#2 I("T& >A1/111 +*0,000
IA Y;#2 4#2$% ;"&#;#J#;4"& – L
TOTAL &>==/102 -//,BB*
II. Outside India
;A !" ?J%%$"# Q334J"#& .1-/@A2 +7+,.+-
;;A !" 1#2$% S$:4&;# Q334J"#& – L
;;;A U4"$F (# 3(PP (") &24%# "4#;3$ &./2.?/A0A& *,0B+,/0-
TOTAL ./?0./>?0 *,6.7,867
TOTAL (I & II) 0/2??/11> /,/8B,8+8
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 575
As on Q& 4" & +;<45&-./& U(%32 +*, 01.2& /0*7
'$(%3X"%&.1&Y&B[a%3&!''%)'
I. Premises
;A Q# 34&# (& 4" U(%32 +* 4E #2$ preceding year A=/A2= .7,.87 ;;A Q));#;4"& )J%;"< #2$ F$(% – L ;;;A S$)J3#;4"& )J%;"< #2$ F$(% – L ;>A S$:%$3;(#;4" #4 )(#$ P.=/=?=Q @*.,876A
TOTAL ->/?>1& 60,-*/
II. Other Fixed Assets (including
& H8<MLK8<6&;M7&SbK8<6:Q
;A Q# 34&# (& 4" U(%32 +* 4E #2$ preceding year ..@/0?- --,0-/ ;;A Q));#;4"& )J%;"< #2$ F$(% .@/@A-& /8,B87 ;;;A S$)J3#;4"& )J%;"< #2$ F$(% &P>..Q @*,88.A ;>A S$:%$3;(#;4" #4 )(#$ P>0/-.=Q @8-,*6*A
)*)!"&& -A/A1>& +7,*6/
[[[\&& $;JLK;9&CF<^&LM&]<FN<6::&& .?/0-2& */,B.-
GRAND TOTAL (I to III) >-/=-=& -B,B*/
SCHEDULE 11 - OTHER ASSETS
!W !"#$%Z4ED3$ ()aJ$"#&@"$#A L L!!W !"#$%$&# (33%J$) >1/?1A .7,-/8 !!!W M(9 :(;) ;" ()>("3$G#(9 )$)J3#$) (# &4J%3$ @"$# 4E :%4>;&;4"&A .0=/01? *+7,+6- ! W N#(#;4"$%F (") &#(5:& – 1
W S$E$%%$) M(9 Q&&$# @C$#A @O$E$% "4#$ 60 4E N32$)JP$ *-A .0=/-A0 */6,-*- `!W 1#2$%& @../>A. 6*7,86-
TOTAL (I to VI) 2AA/-.= 8+6,86/
'$(%3X"%&.0&Y&$*#)[#`%#)&
LIABILITIES
!W ?P(;5& (<(;"&# #2$ I("T "4# (3T"4KP$)<$) (& )$I#& ?./@22 -*,688!!W H;(I;P;#F 4" (334J"# 4E 4J#&#(");"< E4%K(%) $932("<$ 34"#%(3#& @;"3PJ);"< N:4# ?4"#%(3#&A & 2/?0./A01& *.,0/*,+70 !!!W \J(%("#$$& <;>$" 4" I$2(PE 4E 34"&#;#J$"#&X (A !" !");( >>A/>2@& *,0/*,+8+ IA 1J#&;)$ !");( 0/A12/==1& /,7BB,/6/ ! W Q33$:#("3$&, $")4%&$5$"#& (") 4#2$% 4IP;<(#;4"& -12/=A> /60,8.0
W 1#2$% ;#$5& E4% K2;32 #2$ R("T ;& 34"#;"<$"#PF P;(IP$X
*W !"345$ #(9 G !"#$%$&# #(9 );&:J#$) (") ;" (::$(P "4# :%4>;)$) E4% ;& $&#;5(#$) (# L L /W M%("&E$% #4 S$:4&;#4% ')J3(#;4" (") QK(%$"$&& VJ") @S'QVA .-/A0? */,.+*
TOTAL &../202/?.? *B,087,8++
As on Q& 4" & +;<45&-./& U(%32 +*, 01.2& /0*7
'$(%3X"%&?&Y&[#Z%')+%#)'
I. Investments in India (Book Value) &=/?@>/@.1 +,*06,//8
Less: Provision for Depreciation L @*-,*00A
Net Investments in India =/?@>/@.1 +,0-7,*/8
Break-up: -
;A \4>$%"5$"# &$3J%;#;$& =/?@>/@.1&& +,0-7,*/8
;;A 1#2$% (::%4>$) &$3J%;#;$& – L
;;;A N2(%$& @"$# 4EE :%4>;&;4"&A – L
;>A S$I$"#J%$& (") R4")& – Z
>A NJI&;)(%;$& (")G4% [4;"# $"#J%$& – L
>;A 1#2$%& – L
)*)!"&&& =/?@>/@.1&& +,0-7,*/8
II. Investments outside India – L
TOTAL (I +II) =/?@>/@.1 +,0-7,*/8
@O$E$% C4#$ *- #4 // 4E N32$)JP$ *-A
'$(%3X"%&>&Y&!3Z!#$%'
QA ;A R;PP& :J%32(&$) (")
);&34J"#$) ee @/1==/.?0 -,BB8,+*+
;;A ?(&2 3%$);#&, 4>$%)%(E#& (")
P4("& %$:(F(IP$ 4" )$5(") >/?1=/@@0 +,676,*+-
;;;A M$%5 P4("& >/0-A/A.@ 8,.0+,/BB
)*)!"&& 0-/.1?/.-? *B,B76,8.0
RA ;A N$3J%$) IF #("<;IP$ (&&$#&_ .-/.AA/A.A& .,-B7,6+/
;;A ?4>$%$) IF R("TG
\4>$%"5$"# \J(%("#$$&__ 0/010/=>> *,708,/-.
;;;A c"&$3J%$) ee 2/2@>/>0@ */,67*,0++
)*)!"&& 0-/.1?/.-?& *B,B76,8.0
?A !W Q)>("3$& ;" !");(
;A =%;4%;#F N$3#4%& @/==2/@A- +,8*7,7*7
;;A =JIP;3 N$3#4% – L
;;;A R("T& -/?1?/1=2 -,8.0,000
;>A 1#2$%& .@/=-0/=.?& 8,6B-,*+6
)*)!"&& 0-/.1?/.-? *B,B76,8.0
!!W Q)>("3$& 4J#&;)$ !");( – L
TOTAL 0-/.1?/.-? *B,B76,8.0
ee !"3PJ)$& R;PP& O$);&34J"#;"< 4E
O&W +,-0-,077 #24J&(") @=%$>;4J& f$(%
O&W -,8.0,000 #24J&(")A
_ !"3PJ)$& ()>("3$& (<(;"&# R44T )$I#&
__ !"3PJ)$& ()>("3$& (<(;"&# H$##$% 4E
?%$);# (") N#(")IF H$##$%
4E ?%$);# ;&&J$) IF R("T&
(Rs ‘000s) (Rs ‘000s)
'$(%3X"%'&B*,+[#`&]!,)&*B&)(%& !"!#$%&'(%%)&!'&*#&+!,$(&-./& 01.2
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly576
(Rs ‘000s) (Rs ‘000s)
Year ended Year ended
& +;<45&-./& U(%32 +*,
01.2& /0*7
SCHEDULE 13 – INTEREST
EARNED
!W !"#$%$&#G);&34J"# 4" ()>("3$&GI;PP& &./00=/A?2& *,/*8,0.-
!!W !"345$ 4" ;">$$"#& @-?/..>& +B8,+*.
!!!W !"#$%$&# 4" I(P("3$& K;#2 O$&$%>$
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SCHEDULE 14 - OTHER INCOME
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EXPENSES
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TOTAL (I to XII) @10/=-=& +-6,70.
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I. BACKGROUND
M2$ (3345:("F;"< D"("3;(P &#(#$5$"#& 345:%;&$ #2$ (334J"#& 4E #2$ !");( I%("32$& 4E QIJ S2(I; ?455$%3;(P R("T =[N? @%$E$%%$) #4 (& j#2$ R("ThA, K2;32 ;& ;"34%:4%(#$) (") %$<;&#$%$) ;" #2$ c";#$) Q%(I '5;%(#$& K;#2 P;5;#$) P;(I;P;#FW
II. ACCOUNTING POLICIES
1. Accounting Convention
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jQ3#hA %$() K;#2 OJP$ 8 4E #2$ ?45:(";$& @Q334J"#A OJP$&, /0*6 (") :%(3#;3$& <$"$%(PPF :%$>(P$"# ;" #2$ I("T;"< ;")J&#%F ;" !");(W M2$ R("T E4PP4K& #2$ (33%J(P 5$#24) 4E (334J"#;"<, $93$:# K2$%$ 4#2$%K;&$ &#(#$), (") #2$ 2;%;3(P 34&# 34">$"#;4"W
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3. Transactions Involving Foreign Exchange and Derivatives
3.1 V4%$;<" ?J%%$"3F Q&&$#&, H;(I;P;#;$& (") ?4"#;"<$"# H;(I;P;#;$& 4" (334J"# 4E <J(%("#$$&, (33$:#("3$&, $")4%&$5$"#& (") 4#2$% 4J#&#(");"< (%$ #%("&P(#$) (# #2$ I(P("3$ &2$$# )(#$ (# %(#$& "4#;D$) IF #2$ V4%$;<" '932("<$ S$(P$%&h Q&&43;(#;4" 4E !");( @V'SQ!AW V4%$;<" '932("<$ =4&;#;4"& ;"3PJ);"< &:4# (") E4%K(%) 34"#%(3#& @4#2$% #2(" 2$)<;"< 34"#%(3#&A (%$ %$>(PJ$) 54"#2PF (# #2$ %(#$& "4#;D$) IF #2$ V'SQ!W M2$ %$&JP#("# <(;" 4% P4&& ;& %$34<";g$) ;" #2$ =%4D# (") H4&& Q334J"#W
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 577
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3.4 !" %$&:$3# 4E )$%;>(#;>$ #%("&(3#;4"&, ("F 4>$%)J$ %$3$;>(IP$& %$:%$&$"#;"< :4&;#;>$ U(%T$) #4 U(%T$# @UMUA >(PJ$ )J$ #4 #2$ R("T, K2;32 %$5(;"& J":(;) E4% ( :$%;4) 4E B0 )(F& E%45 #2$ &:$3;D$) )J$ )(#$ E4% :(F5$"#, (& K$PP (& #2$ %$34<";g$) :4&;#;>$ UMU ;" %$&:$3# 4E EJ#J%$ %$3$;>(IP$&, (& :$% OR! \J;)$P;"$& (%$ %$>$%&$) E%45 #2$ =%4D# k H4&& Q334J"#W
4. Investments
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!">$$"#& #%("&E$%%$) E%45 QVNG]VM #4 ]MU 3(#$<4%F (%$ >(PJ$) (# P4K$% 4E (3^J;&;#;4" 34&#, I44T >(PJ$ 4% 5(%T$# >(PJ$ 4" #2$ )(#$ 4E #%("&E$% (") #2$ )$:%$3;(#;4", ;E ("F, 4" &J32 #%("&E$% ;& :%4>;)$) E4% (& :$% OR! <J;)$P;"$&W M2$&$ ;">$$"#& (%$ >(PJ$) "$# 4E )$:%$3;(#;4" J"P$&& #2$ &(5$ ;& 2;<2$% #2(" #2$ E(3$ >(PJ$ ;" K2;32 3(&$ #2$ $93$&& ;& (54%#;g$) 4>$% #2$ :$%;4) %$5(;";"< #;PP 5(#J%;#FW
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!">$$"#& J")$% #2$&$ 3(#$<4%;$& ;"3PJ);"< $^J;#F &2(%$& $93$:# E4% M%$(&J%F R;PP& (%$ 5(%T$) #4 5(%T$#W C$# (::%$3;(#;4", ;E ("F, J")$% $(32 4E #2$ &;9 3P(&&;D3(#;4"& J")$% K2;32 ;">$$"#& (%$ :%$&$"#$) ;" #2$ R(P("3$ N2$$#, ;& ;<"4%$) (") "$# )$:%$3;(#;4" ;& :%4>;)$) E4% 3(#$<4%F K;&$W !" ());#;4", EJ%#2$% :%4>;&;4" ;& 5()$ E4% )$:%$3;(#;4" I(&$) 4" 5("(<$5$"#h& $&#;5(#$ 4E :4#$"#;(P )$:%$3;(#;4" ;E %$^J;%$)W M%$(&J%F R;PP& (%$ >(PJ$) (# 3(%%F;"< 34&#W
4.3 ?4&# 4E !">$$"#& $93PJ)$& I%4T$" :$%;4) ;"#$%$&# :(;) 4" (3^J;&;#;4" 4E !">$$"#& K2;32 ;& 32(%<$) #4 =%4D# (") H4&& Q334J"#W
4.4 M2$ 5(%T$# >(PJ$ 4E ;">$$"#& ;& (&3$%#(;"$) I(&$) 4" #2$ :%;3$ 4E &$3J%;#F (& (>(;P(IP$ E%45 #2$ #%()$&G^J4#$& 4" #2$ N#43T '932("<$ 4% :%;3$& )$3P(%$) IF #2$ =%;5(%F S$(P$%& Q&&43;(#;4" 4E !");( @=SQ!A a4;"#PF K;#2 #2$ V;9$) !"345$ U4"$F U(%T$# (") S$%;>(#;>$& Q&&43;(#;4" 4E !");( @V!UUSQAW
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A\0 =%4>;&;4" 4" P4("& (") ()>("3$& %$&#%J3#J%$)G%$&32$)JP$) ;& 5()$ ;" (334%)("3$ K;#2 #2$ (::P;3(IP$ OR! <J;)$P;"$& 4" %$&#%J3#J%;"< 4E #2$ P4("& (") ()>("3$& IF R("T&W
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly578
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Asset class Useful life of assets as Useful life of assets Rate Method
& & & & J6<&$FIJ;ML6:&!4K/&01.-& ;:&J6<& ;M^d:&JF9L4c&
=%$5;&$& 70 F$(%& 70 F$(%& *W7+n NHU ?45:J#$% @](%)K(%$k N4E#K(%$A 7 F$(%& + F$(%& ++W++n NHU VJ%";#J%$ (") V;9#J%$& *0 F$(%& *0 F$(%& *-W*n YS` =P("# (") U(32;"$%F *. F$(%& *. F$(%& *-W*n YS` U4#4% ?(% - F$(%& . F$(%& /0n NHU
=\- M2$ J&$EJP P;E$ 4E D9$) (&&$#& ;& P$&& #2(" #24&$ &:$3;D$) J")$% &32$)JP$ !! 4E ?45:(";$& Q3# /0*+W M2$ 5("(<$5$"# I$P;$>$& #2(# J&$EJP P;E$ 4E D9$) (&&$#& 3J%%$"#PF 34"&;)$%$) E4% #2$ :J%:4&$ 4E )$:%$3;(#;4" E(;%PF %$o$3# ;#& $&#;5(#$ 4E #2$ J&$EJP P;E$ (") %$&;)J(P >(PJ$& 4E D9$) (&&$#&W
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11. Cash and Cash equivalents
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 579
'$(%3X"%&.?&Y&#*)%'&B*,+[#`&]!,)&*B&)(%&!$$*X#)'&B*,&)(%&D%!,&%#3%3&+!,$(&-./&01.2
@O&W 000h&A
.& 8:LM6::&,;KLF:e&& & & 01.=Y.2& 01.AY.=
;W !"#$%$&# ;"345$ (& ( :$%3$"#(<$ #4 K4%T;"< EJ")&$ =\2=f 8W*-n
;;W C4"Z;"#$%$&# ;"345$ (& ( :$%3$"#(<$ #4 K4%T;"< EJ")& 1\>.f 0W-6n
;;;W 1:$%(#;"< :%4D# (& ( :$%3$"#(<$ #4 K4%T;"< EJ")& .\1=f *W*.n
;>W O$#J%" 4" (&&$#& 1\A@f 0W78n
>W RJ&;"$&& @S$:4&;#& q Q)>("3$&Ae :$% '5:P4F$$ _ @2?/0A1 .06,08+
>;W =%4D# :$% '5:P4F$$_ 0/1-. /,6.B
r Y4%T;"< EJ")& (%$ 34"&;)$%$) (& (>$%(<$ 4E #4#(P (&&$#& (& %$:4%#$) #4 OR! ;" V4%5 i
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e Q>$%(<$ )$:4&;#& (") ()>("3$& (%$ 34"&;)$%$) (& :$% V4%5 iW
0\& "6M7LMN&KF&:6M:LKLO6&:64KF<:&;<6&;:&8M76<e&
@O&W 000h&A
& 0\.& %bJF:8<6&KF&<6;9&6:K;K6&:64KF<&& 01.=Y.2& 01.AY.=
a) Direct exposure : -20/=@@ 6*B,B.7
i) O$&;)$"#;(P 54%#<(<$& .0/=@@ *B,B.7
L 4E K2;32 !");>;)J(P ]4J&;"< H4("& $P;<;IP$ E4% ;"3PJ&;4" ;" =%;4%;#F N$3#4%
ii) ?455$%3;(P O$(P '&#(#$ L O$&;)$"#;(P ]4J&;"< =%4a$3#
@;"3PJ);"< CVR P;5;#& O&W C!HA -=1/111 600,000
iii) !">$$"# ;" U4%#<(<$ R(3T$) N$3J%;#;$& (") 4#2$% &$3J%;#;g$) $9:4&J%$&X – L
(W O$&;)$"#;(P – L
IW ?455$%3;(P O$(P '&#(#$ – L
_Q&& [M7L<64K&6bJF:8<6&e& -../?A.& -.?/@21
VJ") I(&$) (") "4"ZEJ") I(&$) $9:4&J%$& 4" C(#;4"(P ]4J&;"< R("T (")
]4J&;"< V;"("3$ ?45:(";$& -../?A. +*-,680
Total Real Estate exposure& =?@/@>A& 2-?/@0=
@O&W 000h&A
0\0& %bJF:8<6&KF&4;JLK;9&I;<^6K 01.=Y.2& 01.AY.=
;W !">$$"#& 5()$ ;" $^J;#F &2(%$&, 34">$%#;IP$ I4")&, 34">$%#;IP$ )$I$"#J%$&
(") J";#& 4E $^J;#FZ4%;$"#$) 5J#J(P EJ")& #2$ 34%:J& 4E K2;32 ;& "4# $93PJ&;>$PF
;">$&#$) ;" 34%:4%(#$ )$I# – *-,*00
;;W Q)>("3$& (<(;"&# &2(%$&, I4")&, )$I$"#J%$& 4% 4#2$% &$3J%;#;$& 4% 4" 3P$(" I(&;& #4
;");>;)J(P& E4% ;">$$"# ;" $^J;#F &2(%$& @;"3PJ);"< !=1h&G'N1=NA, 34">$%#;IP$
I4")& 4% 34">$%#;IP$ )$I$"#J%$&, J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")&W – L
;;;W Q)>("3$& E4% ("F 4#2$% :J%:4&$& K2$%$ &2(%$& 4% 34">$%#;IP$ I4")& 4% 34">$%#;IP$
)$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& (%$ #(T$" (& :%;5(%F &$3J%;#F – L
;>W Q)>("3$& E4% ("F 4#2$% :J%:4&$& #4 #2$ $9#$"# &$3J%$) IF 34PP(#$%(P &$3J%;#F 4E &2(%$& 4%
34">$%#;IP$ I4")& 4% 34">$%#;IP$ )$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")&
;W$W K2$%$ #2$ :%;5(%F &$3J%;#F 4#2$% #2(" &2(%$&G34">$%#;IP$ I4")&G34">$%#;IP$
)$I$"#J%$&GJ";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& )4$& "4# EJPPF 34>$% #2$ ()>("3$& – L
>W N$3J%$) (") J"&$3J%$) ()>("3$& #4 +TI%4T$%& k <J(%("#$$& ;&&J$) 4" I$2(PE
4E +TI%4T$%& (") 5(%T$# 5(T$%& – L
>;W H4("& &("3#;4"$) #4 34%:4%(#$& (<(;"&# #2$ &$3J%;#F 4E &2(%$&GI4")&G)$I$"#J%$&
4% 4#2$% &$3J%;#;$& 4% 4" 3P$(" I(&;& E4% 5$$#;"< :%454#$%h& 34"#%;IJ#;4" #4 #2$ $^J;#F
4E "$K 345:(";$& ;" ("#;3;:(#;4" 4E %(;&;"< %$&4J%3$&W – L
>;;W R%;)<$ P4("& #4 345:(";$& (<(;"&# $9:$3#$) $^J;#F o4K&G;&&J$& – L
>;;;W c")$%K%;#;"< 3455;#5$"#& #(T$" J: ;" %$&:$3# 4E :%;5(%F ;&&J$ 4E &2(%$& 4%
34">$%#;IP$ I4")& 4% 34">$%#;IP$ )$I$"#J%$& 4% J";#& 4E $^J;#F 4%;$"#$) 5J#J(P EJ")& – L
;9W V;"("3;"< #4 +TI%4T$%& E4% 5(%<;" #%();"< – L
9W QPP $9:4&J%$& #4 >$"#J%$ 3(:;#(P EJ")& @I4#2 %$<;&#$%$) k J"%$<;&#$%$)A – L
Total Exposure to Capital Market L& .?/.11
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly580
/W+ M2$ %;&T 3(#$<4%F K;&$ $9:4&J%$ (") #2$ :%4>;&;4"& 2$P) (& %$^J;%$) J")$% ?4J"#%F O;&T U("(<$5$"# (%$ (& E4PP4K&X @O&W 000h&A
Risk category Exposure Provision Held Exposure Provision Held
& & & & & P-.&+;<45&01.2Q& P-.&+;<45&01.2Q& P-.&+;<45&01.=Q& @+* U(%32 /0*7A
!"&;<";D3("# +,***,/-* /,8+. /,6B8,76B /,0-6 H4K +,60/,-8- 7,678 +,**/,7B7 .,/*7 U4)$%(#$PF H4K */,7/- L /**,8/0 L ];<2 +7*,0-0 L +*,8.- L `$%F ];<2 /.,B-/ L L L
& & & )FK;9&& & =/>.-/?@>& >/010& A/?A-/?0-& 2/-11
!" #$%5& 4E OR! 3;%3JP(%, :%4>;&;4" ;& 5()$ 4"PF E4% #24&$ 34J"#%;$& K2$%$ #2$ "$# EJ")$) $9:4&J%$ ;& *n 4% 54%$ 4E #4#(P (&&$#&
3. Asset Quality : @O&W 000h&A 01.=Y.2& 01.AY.=
3.1 Provision for Standard Assets as at year end (Includes provision on unhedged foreign currency exposure) >>/=11 -B,*00
-\0& ]6<46MK;N6&FHK&#FMY]6<HF<ILMN&!::6K:&KFK&!7O;M46: 1\1=f 0W08n
3.3 Movement in Non Performing Advances (Gross) R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% 0-./12= /+*,087 Q))X Q));#;4"& )J%;"< #2$ F$(%G#%("&E$% – L H$&&X O$)J3#;4"& )J%;"< #2$ F$(% c:<%()(#;4"& – L O$34>$%;$& – L Y%;#$Z4EE& – L R(P("3$ (& (# #2$ $") 4E #2$ F$(% 0-./12=& 0-./12=
3.4 Movement in provision for Non Performing Advances @'93PJ);"< :%4>;&;4" 4" &#(")(%) (&&$#&A R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% 0.2/AAA /*8,... Q))X =%4>;&;4"& 5()$ )J%;"< #2$ F$(% – L H$&&X Y%;#$Z4EEGY%;#$ I(3T 4E $93$&& :%4>;&;4" )J%;"< #2$ F$(% – L
R(P("3$ (& (# #2$ $") 4E #2$ F$(% 0.2/AAA /*8,...
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H$&&X O$)J3#;4"& )J%;"< #2$ F$(% – L
R(P("3$ (& (# #2$ $") 4E #2$ F$(% .-/A0. *+,./*
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& -\?& +FO6I6MK&LM&J<FOL:LFM&HF<&#FM&]6<HF<ILMN&[MO6:KI6MK: @'93PJ);"< :%4>;&;4" 4" &#(")(%) (&&$#&A R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .?/.11 *-,*00 Q))X =%4>;&;4"& 5()$ )J%;"< #2$ F$(%G#%("&E$% – L H$&&X Y%;#$Z4EEGY%;#$ I(3T 4E $93$&& :%4>;&;4" )J%;"< #2$ F$(% .?/.11 L
R(P("3$ (& (# #2$ $") 4E #2$ f$(% – *-,*00
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R(P("3$ (& (# #2$ $") 4E #2$ F$(% – L @O&W j000&A
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R(P("3$ (& (# #2$ I$<;"";"< 4E #2$ F$(% .-/@?0 *+,6-/ Q))X Q));#;4"& )J%;"< #2$ F$(% – L H$&&X S%(K )4K" )J%;"< #2$ F$(% – L
R(P("3$ (& (# #2$ $") 4E #2$ F$(% .-/@?0 *+,6-/
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 581
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Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 583
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly584
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Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 585
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N$3J%;#;$& :J%32(&$) J")$% %$>$%&$ %$:4 ;W \4>$%"5$"# &$3J%;#;$& T& .0/@11/111& -/0.A/?.A& >A1/111
& & & & & & & PTQ& P@/A=A/>11Q& P./A-0/=21Q& P-00/@11Q
;;W ?4%:4%(#$ )$I# &$3J%;#;$& – – – –
(–) (–) (–) (–)
C4#$X =%$>;4J& F$(%h& D<J%$& (%$ &24K" ;" I%(3T$#&W
0A\& 38<LMN&K56&c6;</&MF&J6M;9KL6:&G6<6&LIJF:67&FM&K56& ;M^&_c&K56&,6:6<O6& ;M^&FH&[M7L;\&
@=%$>;4J& f$(%X C;PA
0=\ SJ%;"< #2$ F$(%, #2$ R("T 2(& "4# $93$$)$) #2$ =%J)$"#;(P '9:4&J%$ H;5;#& E4% !");>;)J(P R4%%4K$% 4% \%4J: R4%%4K$%&W @=%$>;4J& f$(%X C;PA
02\& +;K8<LKc&]<FS96&FH&!::6K:R"L;_L9LKL6:e&
!:&;K&+;<45&-./&01.2& @O&W 000h&A
Total Foreign Currency
& & +;K8<LKc&];KK6<M& 36JF:LK:& F<<FGLMN:& !7O;M46:& [MO6:KI6MK& !::6K:PjQ& "L;_L9LKL6:PjQ& &
(Net) (Net)
& 1Y.&7;c&& .?/?=0& T& 2-/1=-& 0/-.?/0-A& -=-/@@=& ?/-.1
& & 0Y2&7;c:& >?@/1==& -1/111& >/1A@/=1-& .A@/.@A& ./2--/0@?& @0/-=>
& & ?Y.@&7;c:& 0>2/>->& T& .0@/>02& @?/1-A& @A/@A-& @?/=@A
& & .AY0?&7;c:& @/10./>20& T& =@1/A-=& =11/0=A& @?>/@12& .A/?2-
& & 0>&7;c:&Y&-&IFMK5:& .0/@0./@1>& ./0>2/111& 0/2>?/>A1& ./?@./1-.& ?>?/?@.& ./-22/=2A
& & -Y=&IFMK5:& ./@21/.-.& T& ./>?1/0A=& 0-0/2-?& ./@--/0?1& 0A1/==@
& & =Y.0&IFMK5:& 0/>>2/>A2& --1/111& ./01A/011& A.2/@01& T& ?>A/>@@
& & .Y-&c6;<:& =/1.>/.2=& T& A/2=./>2?& ?>@/=A0& T& ./-@=/?>A
& & -YA&c6;<:& .@0/=?0& T& ./->0/>1@& 0./A.A& T& .12/2AA
& & *O6<&A&c6;<:& T& T& 2A/20.& 00./-2@& T& -/.A1
)FK;9& & 0?/-2@/.>@& ./=A2/111& 0-/.1?/.-?& =/?@>/@.1& @/>=-/=2A& @/1>2/0?1
?P(&&;D3(#;4"& 4E Q&&$#& (") H;(I;P;#;$& J")$% #2$ );EE$%$"# 5(#J%;#F IJ3T$#& (%$ 345:;P$) IF U("(<$5$"# I(&$) 4" #2$ <J;)$P;"$& ;&&J$) IF #2$ OR! (") (%$ I(&$) 4" #2$ &(5$ (&&J5:#;4"& (& J&$) IF #2$ R("T E4% 345:;P;"< #2$ %$#J%" &JI5;##$) #4 #2$ OR! (") K2;32 2(>$ I$$" %$P;$) J:4" IF #2$ (J);#4%&W
@_A V4%$;<" ?J%%$"3F Q&&$#& (") H;(I;P;#;$& $93PJ)$ 4EEZR(P("3$ N2$$# Q&&$#& (") H;(I;P;#;$&W
Q& (# U(%32 +*, /0*7 @O&W 000h&A
Total Foreign Currency
& & +;K8<LKc&];KK6<M& 36JF:LK:& F<<FGLMN:& !7O;M46:& [MO6:KI6MK& !::6K:PjQ& "L;_L9LKL6:PjQ& &
(Net) (Net)
0Z* )(F 6/* L 8-,00B L 7/*,B++ +0,.*8
/Z8 )(F& 7*-,/+B 8*/,..0 .0*,*07 L *,..6,08+ 776,6.*
-Z*6 )(F& +6,760 L *,*.0,76/ L --,+.6 *,6++
*.Z/- )(F& /+B,68/ L *,+-/,0/B *+-,-6/ *0-,-7B 7,B-8
/B )(F& Z + 54"#2& *,B7.,-7* 70B,.67 -,*+-,/.. ++/,-++ *,0*7,86. 78B,0.B
+Z7 54"#2& *,B/0,*7* L *,-06,/-. +6/,86- B68,0B6 B0.,+6B
7Z*/ 54"#2& *0,6..,.80 L *,+*.,7-0 68*,.6+ *7.,-B0 B,-/-,676
*Z+ F$(%& .,.87,0+- L +,0.+,-8B .B/,B.. L -./,+0*
+Z. F$(%& /.,7B- L /,6-0,06B /6.,B/0 L L
1>$% . F$(%& L L 70,-*7 B7*,/-7 L +,--+
& & )FK;9& & & & 01/?-=/1>1& ./-00/1>=& .>/>=@/2A1& -/1?=/.02& @/A10/>A?& .0/>20/@@@
?P(&&;D3(#;4"& 4E Q&&$#& (") H;(I;P;#;$& J")$% #2$ );EE$%$"# 5(#J%;#F IJ3T$#& (%$ 345:;P$) IF U("(<$5$"# I(&$) 4" #2$ <J;)$P;"$& ;&&J$) IF #2$ OR! (") (%$ I(&$) 4" #2$ &(5$ (&&J5:#;4"& (& J&$) IF #2$ R("T E4% 345:;P;"< #2$ %$#J%" &JI5;##$) #4 #2$ OR! (") K2;32 2(>$ I$$" %$P;$) J:4" IF #2$ (J);#4%&W
@_A V4%$;<" ?J%%$"3F Q&&$#& (") H;(I;P;#;$& $93PJ)$ 4EEZR(P("3$ N2$$# Q&&$#& (") H;(I;P;#;$&W
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly586
0?\& +FO6I6MK&LM&:KF4^&FH&K645ML4;9&G<LK6YFHH:&;M7&K56&<64FO6<L6:&I;76&K56<6FMe
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0>\& XM567N67&BF<6LNM&$8<<6M4c&%bJF:8<6
M2$ R("T 2(& ;" :P(3$ ( :4P;3F 4" 5("(<;"< 3%$);# %;&T (%;&;"< 4J# 4E J"2$)<$) 3J%%$"3F $9:4&J%$& 4E ;#& I4%%4K$%&W M2$ 4Ia$3#;>$ 4E #2;& :4P;3F ;& #4 5(9;5;g$ #2$ 2$)<;"< 4" E4%$;<" 3J%%$"3F $9:4&J%$& 4E I4%%4K$%& IF %$>;$K;"< #2$;% E4%$;<" 3J%%$"3F :4%#E4P;4 (") $"34J%(<;"< #2$5 #4 2$)<$ #2$ J"2$)<$) :4%#;4"W !" P;"$ K;#2 #2;& :4P;3F, (&&$&&5$"# 4E J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$ ;& ( :(%# 4E (&&$&&5$"# 4E I4%%4K$%& (") ;& J")$%#(T$" K2;P$ :%4:4&;"< P;5;#& 4% (# #2$ %$>;$K &#(<$W
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!" (334%)("3$ K;#2 #2$ OR!h& ?;%3JP(% SR1S C4WR=WR?W-.G/*W07W/00G/0*+Z*6 )(#$) [("J(%F *., /0*6 $EE$3#;>$ Q:%;P *, /0*6, #2$ R("T 2(& 5(;"#(;"$) ;"3%$5$"#(P :%4>;&;4" 4E O&W .,7/. #24J&(") @=%$>;4J& F$(%Z O&W -,./B #24J&(")A (") ());#;4"(P 3(:;#(P 4E O&W/8,B00 #24J&(") @=%$>;4J& F$(%Z O&W *.,8/* #24J&(")A 4" (334J"# 4E J"2$)<$) E4%$;<" 3J%%$"3F $9:4&J%$ 4E ;#& I4%%4K$%& (& (# U(%32 +*, /0*8W
-1\ M2$ R("T 2(& "4# $"#$%$) ;"#4 ("F ?%$);# )$E(JP# &K(:& #%("&(3#;4"& )J%;"< #2$ F$(% @=%$>;4J& f$(%X C;PAW
31. Liquidity Coverage Ratio @O&W 000h&A
!O6<;N6&k@&01.=Y.2& !O6<;N6&k-&01.=Y.2& !O6<;N6&k0&01.=Y.2& !O6<;N6&k.&01.=Y.2& 01.AY.=
Total Total Total Total Total Total Total Total Total Total& & & & XMG6LN5K67& G6LN5K67&& XMG6LN5K67& G6LN5K67& XMG6LN5K67& G6LN5K67&& XMG6LN5K67& G6LN5K67& XMG6LN5K67& G6LN5K67 Value Value Value Value Value Value Value Value Value Value (average) (average) (average) (average) (average) (average) (average) (average) (average) (average)
];<2 sJ(P;#F H;^J;) Q&&$#&
* M4#(P ];<2 sJ(P;#F
H;^J;) Q&&$#& @]sHQA -,***,-0. -,***,-0. 8,-B-,7./ 8,-B-,7./ B,*8-,-+8 B,*8-,-+8 +,8..,B60 +,8..,B60 /,*-+,*/7 /,*-+,*/7
$;:5&*8KEFG:
/ O$#(;P )$:4&;#& (")
)$:4&;#& E%45 &5(PP
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4E K2;32X /,B6+,-8+ /B*,667 6,6+6,.B7 66*,08/ .,*6+,8*. .**,8BB +,/-0,86+ +/.,6B/ /,7B*,07B /77,8**
@;A N#(IP$ )$:4&;#& .-,-++ /,B6/ 68,8.* /,+-- .*,6.6 /,.8+ .*,76. /,.-/ 68,B+/ /,+B8
@;;A H$&& &#(IP$ )$:4&;#& /,--.,060 /--,.06 6,+-7,-66 6+-,7-6 .,0B/,/7* .0B,//7 +,//B,0B- +//,B*0 /,76+,*+8 /76,+*6
+ c"&$3J%$) K24P$&(P$
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@;A 1:$%(#;4"(P )$:4&;#&
@(PP 34J"#$%:(%#;$&A 767 +/ /.. *+ +- / +* / +/ +/
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@(PP 34J"#$%:(%#;$&A *,80-,66B *,/..,06+ /,6B*,776 /,*/8,86/ /,6//,88* B7.,0+/ 87+,6/8 /BB,*-0 ./7,6.8 /0.,.*B
@;;;A c"&$3J%$) )$I# L L L L L L L L L L
6 N$3J%$) K24P$&(P$ EJ");"< L L *8,.6+ L L L -+,+0* L L L
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@;A 1J#o4K& %$P(#$) #4 )$%;>(#;>$
$9:4&J%$& (") 4#2$% 34PP(#$%(P
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8 1#2$% 34"#;"<$"#
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- M4#(P ?(&2 1J#o4K& *+,.B0,6-- 6,-0B,0-6 *+,66B,-+7 6,/86,6*+ *+,/77,080 /,+8/,07+ B,77*,6*+ *,/.+,6+7 -,B07,.*. *,0+/,.7/
$;:5&[MEFG:& & & & & & & & & & &
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 587
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R(&$) 4" #2$ (I4>$, S(;PF (>$%(<$ H?O 4E #2$ R("T E4% #2$ #2%$$ 54"#2& $")$) U(%32 +*, /0*8 K(& +0.n @=%$>;4J& F$(%Z -67nAW
33. Subordinated debt
M2$ I("T 2(& "4# %(;&$) ("F &JI4%);"(#$) )$I# )J%;"< #2$ F$(% $")$) +*&# U(%32 /0*8W
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34. Customer Complaints
'<\&& ];<KL489;<:& 01.=Y.2& 01.AY.=
No.
*W C4W 4E 345:P(;"#& :$");"< (# #2$ I$<;"";"< 4E #2$ F$(% – L
/W C4W 4E 345:P(;"#& %$3$;>$) )J%;"< #2$ F$(% =0 ./
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+W C4W 4E (K(%)& ;5:P$5$"#$) )J%;"< #2$ F$(% L L
6W C4W 4E J";5:P$5$"#$) (K(%)& (# #2$ $") 4E #2$ F$(% L L
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-A\& 3L:49F:8<6:&FM&36<LO;KLO6:&
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M2$ R("T 2(& "4# )$(P# K;#2 ("F V4%K(%) O(#$ Q<%$$5$"# @VOQAG!"#$%$&# O(#$ NK(:& @!ONAW ]$"3$ #2$ );&3P4&J%$ ;" %$&:$3# 4E #2$ &(5$ (") %;&T $9:4&J%$ 4" )$%;>(#;>$& ;& "4# (::P;3(IP$W
(b) Exchange Traded Interest Rate Derivatives
M2$ R("T )4$& "4# )$(P ;" '932("<$ M%()$) !"#$%$&# O(#$ S$%;>(#;>$&W ]$"3$ #2$ );&3P4&J%$ ;" %$&:$3# 4E #2$ &(5$ ;& "4# (::P;3(IP$W
(c) Disclosure on Risk exposure in derivatives
(d) Qualitative Disclosures
M2$ R("T 2(& >$%F P;5;#$) $9:4&J%$ #4 )$%;>(#;>$& #%();"< "(5$PF 4"PF #2%4J<2 E4%K(%) E4%$;<" $932("<$ 34"#%(3#&W
*A M2$ &#%J3#J%$ (") 4%<(";g(#;4" E4% 5("(<$5$"# 4E %;&T ;" )$%;>(#;>$& #%();"<X
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M2$ R("T 2(& ;" :P(3$ :4P;3;$& (") :%43$)J%$&, K2;32 2(>$ I$$" (::%4>$) IF #2$ ]$() 1ED3$, #2$ Q&&$# H;(I;P;#F U("(<$5$"# ?455;##$$ @QH?1A (") #2$ U("(<$5$"# ?455;##$$ @UQC?1UA ;" !");( #4 $"&J%$ ()2$%$"3$ #4 >(%;4J& %;&T :(%(5$#$%& (") :%J)$"#;(P P;5;#&W
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly588
& 0Q& )56&:4FJ6&;M7&M;K8<6&FH&<L:^&I6;:8<6I6MK/&<L:^&<6JF<KLMN&;M7&<L:^&IFMLKF<LMN&:c:K6I:e
a) Risk Measurement:
V4% E4%K(%) E4%$;<" $932("<$ 34"#%(3#&, %;&T ;& 5$(&J%$) #2%4J<2 ( )(;PF %$:4%# 3(PP$), (PJ$ (# O;&T @`(OA, K2;32 345:J#$& (O 4" #2$ E4%$9 <(:& J&;"< V'SQ! (O E(3#4%&W
b) Risk Reporting and Risk monitoring systems:
M2$ R("T 2(& #2$ E4PP4K;"< %$:4%#&G&F&#$5& ;" :P(3$, K2;32 (%$ %$>;$K$) IF #2$ #4: 5("(<$5$"#X
@;A `(PJ$ (# O;&T @`(OA @;;A C$# 4:$" :4&;#;4" @;;;A Q\HG!\H @;>A N#4: P4&& P;5;#& @>A R("TP;"$ P;5;#&
3) Policies for hedging and/or mitigating risk and strategies and processes for monitoring the continuing effectiveness of hedges/mitigants:
M2$ R("T 2(& #2$ E4PP4K;"< :4P;3F :(:$%& ;" :P(3$, (::%4>$) IF ;#& ]$() 1ED3$ (") #2$ U("(<$5$"# ?455;##$$ @UQC?1UA ;" !");(W (A M%$(&J%F :4P;3F (") IA Q&&$# L H;(I;P;#F U("(<$5$"# @QHUA =4P;3F
M2$ R("T 54";#4%& #2$ 2$)<$&G5;#;<("#& 4" ( 34"#;"J4J& I(&;& #2%4J<2 )(;PF (") 54"#2PF %$:4%#& #2(# (%$ %$>;$K$) IF #2$ )$(P;"< %445G#4: 5("(<$5$"#W
4) Accounting policy: QPP 4J#&#(");"< )$%;>(#;>$ #%("&(3#;4"& (%$ I44T$) (& 1EE R(P("3$ N2$$# ;#$5&W M2$ #%();"< :4&;#;4"& (%$ %$>(PJ$) 4" ( U(%T$) #4 U(%T$# I(&;& K2$%$(& #2$ 2$)<;"< )$(P& E4PP4K #2$ (33%J(P I(&;& 4E (334J"#;"<W
Quantitative Disclosure @O&W 000h&A
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No exchange contracts and Spot Contracts)
& & & & & & 01.=Y.2 01.AY.=
1 Derivatives (Notional Principal Amount)
(A V4% 2$)<;"< 0/>.?/0A1 ../.A2/-@0
IA V4% #%();"< @/>1-/02. -/?=@/1.?
0& +;<^67&KF&+;<^6K&]F:LKLFM:&P#6KQ
(A Q&&$# @qA 00/AA? .A/2-0
IA H;(I;P;#F @ZA P?./?>>Q P2@-Q
3 Credit Exposure .2?/>?> -.=/.A>
@& "L^69c&LIJ;4K&FH&FM6&J6<46MK;N6&45;MN6&LM&LMK6<6:K&<;K6&P.11j]Z1.Q Not Applicable Not Applicable
(A 4" 2$)<;"< )$%;>(#;>$&
IA 4" #%();"< )$%;>(#;>$&
A& +;bLI8I&;M7&+LMLI8I&FH&.11j]Z1.&F_:6<O67&78<LMN&K56&c6;<& #FK&!JJ9L4;_96 Not Applicable
(A 4" 2$)<;"<
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@O&W000h&A
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Q3#J(%;(P @\(;"AGP4&& 4" 4IP;<(#;4"& ./1>2 -01
$9F:LMN&O;986&FH&76SM67&_6M6SK&F_9LN;KLFM&;K&K56&6M7&FH&K56&c6;<& -=/01=& /B,*+.
Change in Plan Assets
1:$";"< V(;% >(PJ$ 4E :P(" (&&$#& (# #2$ I$<;"";"< 4E #2$ F$(% A./=@A A0/@.A
'9:$3#$) O$#J%" 4" :P(" (&&$#& @/1A@ @/.A.
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& & $9F:LMN&B;L<&O;986&FH&J9;M&;::6K:&;K&K56&6M7&FH&K56&c6;<& A@/A=.& A./=@A
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 589
Reconciliation of present value of obligation and fair value of plan assets
=%$&$"# (PJ$ 4E VJ")$) 4IP;<(#;4" (# #2$ $") 4E #2$ F$(% P-=/01=Q @/B,*+.A V(;% (PJ$ 4E :P(" (&&$#& (# #2$ $") 4E #2$ F$(% A@/A=. .*,76. S$D3;#G@NJ%:PJ&A P.?/-A=Q @//,.*0A c"%$34<";g$) =(&# N$%>;3$ ?4&# – L H;(I;P;#FG@Q&&$#A %$34<";g$) ;" #2$ R(P("3$ N2$$# P.?/-A=Q @//,.*0A !IF8MK&,64FNMLg67&LM&K56& ;9;M46&:566K
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& & #6K&$F:K&<64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& 01.=Y.2& 01.AY.=
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& & %bJ6M:6:&,64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& P@/@>2Q& P0/.?AQ
Reconciliation of expected return and actual return on Plan Assets
'9:$3#$) O$#J%" 4" =P(" Q&&$#& @/1A@ 6,*.* Q3#J(%;(P \(;"G@H4&&A %$34<";g$) ;" #2$ F$(% P0=>Q B
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1:$";"< C$# H;(I;P;#FG@Q&&$#A (& (# #2$ I$<;"";"< 4E #2$ F$(% P00/A.1Q @/6,7B.A& & %bJ6M:6:&,64FNMLg67&LM&K56&]<FSK&;M7&"F::&!44F8MK& @/@>2& 0/.?A
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Principal Actuarial assumptions :
S;&34J"# O(#$ =\?0f 2\?Af
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$FIJ6M:;K67&!_:6M46:e& 01.=Y.2& 01.AY.=
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Provident Fund:
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly590
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 591
@1\& '6NI6MK&,6JF<KLMN
R(&$) 4" #2$ OR! <J;)$P;"$&, #2$ R("T 2(& ;)$"#;D$)G3P(&&;D$) ;#& $"#;%$ 4:$%(#;4"& ;"#4 E4PP4K;"< :%;5(%F &$<5$"#&X
*W M%$(&J%F 1:$%(#;4"& /W ?4%:4%(#$GY24P$&(P$ R("T;"< +W O$#(;P R("T;"<
M%$(&J%F 4:$%(#;4"& 34"&;&# 4E $"#;%$ ;">$$"# :4%#E4P;4 (") E4%$;<" $932("<$ 4:$%(#;4"&W ?4%:4%(#$GY24P$&(P$ R("T;"< 4:$%(#;4"& 345:%;&$ P$");"< (3#;>;#F ;"3PJ);"< #%()$ D"("3$ #4 I4%%4K$%& 4#2$% #2(" #24&$ ;" %$#(;P 4:$%(#;4"&W O$#(;P R("T;"< 4:$%(#;4"& 345:%;&$ 4E )$:4&;#4%F (3#;>;#;$&, :4%#E4P;4 ;">$$"# (3#;>;#;$&, P$");"< (3#;>;#F #4 ;");>;)J(P& (") &5(PP (") 5$);J5 &;g$) $"#$%:%;&$& (& (P&4 54I;P;g(#;4" 4E )$:4&;#&W M2$ R("T )4$& "4# 2(>$ ("F 4#2$% I("T;"< 4:$%(#;4"W QPP ;#$5& K2;32 3(""4# I$ (PP43(#$) J")$% ("F 4E #2$ (I4>$ (%$ 3P(&&;D$) (& c"(PP43(#$)W '"#;%$ Vi %$P(#$) %$>$"J$& (") 34&#& I4#2 2$)<;"< (") #%();"< (%$ (PP43(#$) #4 M%$(&J%F (& #2$F (%$ J")$%#(T$" IF M%$(&J%F #4 5("(<$ R(P("3$ N2$$# (& K$PP (& $(%" ;"345$W
M2$ R("T 4:$%(#$& 4"PF ;" )45$&#;3 &$<5$"# (") 2$"3$ ;"E4%5(#;4" K;#2 %$<(%) #4 <$4<%(:2;3(P &$<5$"#& ;& "4# <;>$"W
Information about Primary Business Segments is as under:
=(%# QX RJ&;"$&& &$<5$"#&
& & 01.=Y.2& & & & @O&W 000h&A
Business Segments /Particulars Treasury Corporate/ Retail Banking Total
Operations Wholesale
Banking
N$<5$"# O$>$"J$ >21/?.>& ./0=@/.>.& ./100/->2& -/0A2/@12
Q))G@H$&&AX !"#$%Z&$<5$"# P./11>/A0.Q
O$>$"J$ "$# 4E !"#$%Z&$<5$"# 0/0@2/??=
Segment Results .->/202& 0@A/A@-& 0.1/10=& A>A/0>=
c"(PP43(#$) $9:$"&$& P0>1/-=?Q
1:$%(#;"< =%4D# -1@/>0?
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'9#%(4%);"(%F =%4D# G@H4&&A
#6K&]<FSK .A?/@AA
Other Information:
N$<5$"# Q&&$#& ../.@0/02A& 0-/1>-/=A0& -0/>->& -@/0=?/?==
c"(PP43(#$) (&&$#& @?0/A22
)FK;9&!::6K:& && && && & & -@/2A./@@-
N$<5$"# H;(I;P;#;$& 0/-==/0?2& .>/1.0/0-0& >/@0-/A>0& -1/?10/...
c"(PP43(#$) P;(I;P;#;$& .1@/1-@
& & )FK;9&"L;_L9LKL6:& && && && & -1/>1=/.@A
01.AY.=&& @O&W 000h&A
Business Segments /Particulars Treasury Corporate/ Retail Banking Total
Operations Wholesale
Banking
N$<5$"# O$>$"J$ 8B.,.87 *,/.B,6/6 *,++6,7*0 -/-?>/=.1
Q))G@H$&&AX !"#$%Z&$<5$"# P./-0./0@1Q
O$>$"J$ "$# 4E !"#$%Z&$<5$"# 0/1=?/-21
N$<5$"# O$&JP#& *--,7-- /++,+7* *6.,006 A=2/1A-
c"(PP43(#$) $9:$"&$& P02?/..2Q
1:$%(#;"< =%4D# /--,B+7
!"345$ M(9 ;"3PJ);"< )$E$%%$) #(9 P..=/220Q
'9#%(4%);"(%F =%4D# G@H4&&A
C$# =%4D# .20/.=@
Other Information
N$<5$"# Q&&$#& .,6/6,.*B *B,B+-,6-/ 68,/.7 0A/@.1/0A2
c"(PP43(#$) (&&$#& ./A01/=.@
Total Assets 0=/>-1/?2.
N$<5$"# H;(I;P;#;$& *,8-0,67. /,078,**- *B,/-B,*70 0-/.-=/2@-
c"(PP43(#$) P;(I;P;#;$& .12/0?A
Total Liabilities 0-/0@@/10?
Notes on Segment Reporting
*A M2$ I("T 2(& #2%$$ 5(;" P;"$& 4E IJ&;"$&& L M%$(&J%F, ?4%:4%(#$ R("T;"< (") O$#(;P R("T;"<
/A M2$ M%$(&J%F S$:(%#5$"# ;& %$&:4"&;IP$ E4% #2$ $"#;%$ R(P("3$ N2$$# U("(<$5$"# (") 5("(<;"< #2$ Q&&$#ZH;(I;P;#F 5;&5(#32 E4% #2$ I("TW
+A M2$ EJ")& (%$ #%("&E$% :%;3$) IF M%$(&J%F )$:(%#5$"# #4 #2$ ?4%:4%(#$ (") O$#(;P R("T;"< )$:(%#5$"#& (# ()aJ&#$) K$;<2#$) (>$%(<$ 34&# 4E #2$ EJ")&, (334%);"<PF ;"#$% &$<5$"# %$&JP#& ;& 345:J#$) E4% %$&:$3#;>$ &$<5$"#&W
!" (PP43(#;4" 4E &45$ ;#$5& 4E $9:$"&$&G;"345$ (") (&&$#GP;(I;P;#;$&, 3$%#(;" $&#;5(#$& (") (&&J5:#;4"& 2(>$ I$$" 5()$ IF #2$ 5("(<$5$"#, K2;32 2(& I$$" %$P;$) J:4" IF #2$ (J);#4%&W
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly592
41. Letters of Comfort
M2$ R("T 2(& "4# ;&&J$) ("F H$##$%& 4E ?45E4%# )J%;"< #2$ F$(% (") #2$%$ (%$ "4 H$##$%& 4E ?45E4%# 4J#&#(");"< (& (# #2$ F$(% $")W @=%$>;4J&
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:%43$$);"<& #4 2(>$ ( 5(#$%;(P ()>$%&$ $EE$3# 4" #2$ R("Th& D"("3;(P 34");#;4"&, %$&JP#& 4E 4:$%(#;4"& 4% 3(&2 4J#o4KW M2$ R("T 2(&
)$:4&;#$) O&W 8B,688 #24J&(") @:$%#(;";"< #4 :$%;4) 13#4I$% /00B #4 U(%32 /0*.A J")$% :%4#$&# #4K(%)& &$%>;3$ #(9 4" 2$() 4ED3$
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%$34<";g$) 4" #2$ I(P("3$ &2$$# IJ# )4 "4# "$3$&&(%;PF ;");3(#$ #2$ (54J"#& 4E EJ#J%$ 3(&2 o4K& ;">4P>$) 4% #2$ 3J%%$"# E(;% >(PJ$ 4E
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M2$ R("T ;& ;" );&:J#$ E4% >(%;4J& #(9(#;4" 5(##$%& E4% K2;32 (::$(P& (%$ :$");"<W !" R("Th& >;$K, I(&$) 4" >(%;4J& (::$PP(#$
)$3;&;4"& 4" ;)$"#;3(P ;&&J$&, ;# ;& "4# :%4I(IP$ #2(# D"("3;(P 4J#o4K ;" %$&:$3# 4E #2$ &(;) (54J"#& J")$% &$##P$5$"# K;PP I$ %$^J;%$)W
M2;& (P&4 ;"3PJ)$& 34"#;"<$"# P;(I;P;#F 34%%$&:4");"< #4 (54J"# #%("&E$%%$) #4 S$:4&;#4% ')J3(#;4" (") QK(%$"$&& VJ")W
43. Disclosure on Remuneration
Qualitative Disclosures
(a) !"E4%5(#;4" %$P(#;"< #4 #2$ 345:4&;#;4" (") x QS?R !");( ;& ( I%("32 4E QS?R =[N?W M2$%$ ;& "4 &$:(%(#$ 5(")(#$ 4E #2$ O$5J"$%(#;4" ?455;##$$W %$5J"$%(#;4" 3455;##$$ ;" !");(W M2$ (""J(P %$>;$K 4E %$5J"$%(#;4"
4E !");( &#(EE ;& (::%4>$) (# ]$() 1ED3$, J")$% #2$ &J:$%>;&;4" 4E QS?Rh& R4(%) C45;"(#;4", ?45:$"&(#;4" (") ]O ?455;##$$ (") ;" 34"&JP#(#;4" K;#2 ?'1 Z QS?R, ]$() O$K(%)& Z QS?R, ]$() 4E Y\R Z QS?R, ?'1 Z QS?R, !");( (") ]O, !");(W
(b) !"E4%5(#;4" %$P(#;"< #4 #2$ )$&;<" (") x M2$ R("T ;" !");( E4PP4K& (" (""J(P (::%(;&(P 3F3P$ (") %$5J"$%(#;4" &#%J3#J%$ 4E %$5J"$%(#;4" :%43$&&$& (") #4 $5:P4F$$& (%$ &:P;# ;"#4 D9$) (") >(%;(IP$ @;"3PJ);"< &2(%$& 4E QS?R #2$ T$F E$(#J%$& (") 4Ia$3#;>$& 4E ]1A )$:$");"< 4" a4I %$^J;%$5$"#& (") ;& (P&4 P;"T$) #4 34%:4%(#$ (") %$5J"$%(#;4" :4P;3FW :$%&4"(P :$%E4%5("3$W
(c) S$&3%;:#;4" 4E #2$ K(F& ;" K2;32 3J%%$"# (") x QS?R 2(& :%(3#;3$& (") :4P;3;$& ;" :P(3$ K2;32 :%454#$ $EE$3#;>$ %;&TZ EJ#J%$ %;&T& (%$ #(T$" ;"#4 (334J"# ;" #2$ 5("(<$5$"#W M2$ R("T (P;<"& $5:P4F$$h& :$%E4%5("3$ #4 #2$ R("Th& %$5J"$%(#;4" :%43$&&$&W !# &24JP) ;"3PJ)$ #2$ &#%(#$<FW "(#J%$ (") #F:$ 4E #2$ T$F 5$(&J%$& J&$) #4 #(T$ (334J"# 4E #2$&$ %;&T&W
(d) S$&3%;:#;4" 4E #2$ K(F& ;" K2;32 #2$ I("T &$$T& x V;9$) (") >(%;(IP$ :(F %$K(%)& (%$ )$&;<"$) #4 I$ :$%E4%5("3$ #(%<$# #4 P;"T :$%E4%5("3$ )J%;"< ( :$%E4%5("3$ I(&$) (") (P;<"$) K;#2 &2(%$24P)$%&h ;"#$%$&#&W =$%E4%5("3$ 4E (PP &#(EE 5$(&J%$5$"# :$%;4) K;#2 P$>$P& 4E %$5J"$%(#;4"W ;& (::%(;&$) 4" (" (""J(P I(&;&W
x V;9$) ?45:$"&(#;4" L (PP $5:P4F$$& (%$ $P;<;IP$ E4% D9$) 345:$"&(#;4"W M2$ I%4() 345:4"$"#& 4E D9$) :(F (%$ R(&;3, ]4J&$ O$"# QPP4K("3$ @]OQA, N:$3;(P QPP4K("3$, ?4">$F("3$, U$);3(P, H$(>$ M%(>$P QPP4K("3$ =%4>;)$"# VJ"), \%(#J;#F $#3W
x `(%;(IP$ 345:$"&(#;4" L (%;(IP$ :(F P(%<$PF )$:$")& J:4" :$%E4%5("3$ 4E #2$ $5:P4F$$, :$%E4%5("3$ 4E #2$ I("T ;" !");( (& K$PP (& #2$ :$%E4%5("3$ 4E #2$ R("T <P4I(PPFW M2$ >(%;(IP$ :(F ;& <$"$%(PPF :(;) #4 (PP $5:P4F$$& ;E #2$;% :$%E4%5("3$ ;& %(#$) &(#;&E(3#4%F 4% (I4>$W =(%# 4E #2$ >(%;(IP$ :(F IF K(F 4E <%("# 4E &2(%$& 4E QS?R ]1 #4 &$P$3# $5:P4F$$& (%$ )$E$%%$) (") >$&# (E#$% #2%$$ #4 E4J% F$(%&W
x QS?R &$$T& #4 $"&J%$ #2(# %$5J"$%(#;4" :(3T(<$& %$o$3# )J#;$& (") %$&:4"&;I;P;#;$& (") %$K(%)& (%$ P;"T$) #4 34%:4%(#$ (") :$%&4"(P :$%E4%5("3$W
(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
Economic & Political Weekly EPW june 24, 2017 vol liI nos 25 & 26 593
(e) Q );&3J&&;4" 4E #2$ I("Th& :4P;3F 4" )$E$%%(P x Q& :$% #2$ 3J%%$"# &#%J3#J%$ L $5:P4F$$h& 345:$"&(#;4" 34"&;&#& 4E D9$), (") >$&#;"< 4E >(%;(IP$ %$5J"$%(#;4" (") ( >(%;(IP$ E4% $5:P4F$$& (") ());#;4"(PPF )$E$%%$) &2(%$& @4E QS?R );&3J&&;4" 4E #2$ I("Th& :4P;3F (") 3%;#$%;( E4% =[N?, ]1A E4% &45$ &$P$3# $5:P4F$$&W M2$&$ &2(%$& (%$ <%("#$) (# "4 ()aJ&#;"< )$E$%%$) %$5J"$%(#;4" I$E4%$ >$&#;"< 34&# #4 #2$ $5:P4F$$ (") >$&#& $"#;%$PF 4>$% ( :$%;4) 4E #2%$$ #4 E4J% F$(%&W (") (E#$% >$&#;"<W !" 3(&$ 4E 3$&&(#;4"& 4E $5:P4F5$"#, )J$ #4 %$&;<"(#;4", );&5;&&(P 4%
E4% ("F 4#2$% %$(&4", #2$ J">$&#$) )$E$%%$) &2(%$& K;PP I$ 34"&;)$%$) (& E4%E$;#$) (# #2$ :4;"# #2(# "4#;3$ 4E 3$&&(#;4" 4E $5:P4F5$"# ;& <;>$"W$
(f) S$&3%;:#;4" 4E #2$ );EE$%$"# E4%5& 4E >(%;(IP$ x =%$&$"#PF >(%;(IP$ :(F ;& 5(;"PF ;" #2$ E4%5 4E ?(&2 QK(%)&W Q));#;4"(PPF, %$5J"$%(#;4" @;W$W 3(&2, &2(%$&, 'N1=& (") #4 $"&J%$ P4"< #$%5 %$#$"#;4" 4E &$P$3# $5:P4F$$&, &45$ 4E #2$5 (%$ <%("#$) 4#2$% E4%5&A #2(# #2$ I("T J#;P;g$& (") #2$ &2(%$& 4E QS?R =[N?, ]1 K2;32 >$&# $"#;%$PF (E#$% #2%$$ #4 E4J% F$(%&W %(#;4"(P$ E4% J&;"< #2$&$ );EE$%$"# E4%5&W
k8;MKLK;KLO6&3L:49F:8<6:& 01.=Y.2& 01.AY.=
(g) CJ5I$% 4E 5$$#;"<& 2$P) IF #2$ O$5J"$%(#;4" ?455;##$$ )J%;"< #2$ D"("3;(P F$(% (") %$5J"$%(#;4" :(;) #4 ;#& 5$5I$%&W CQ CQ
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(Incorporated in the U.A.E. with Limited Liability)
Abu Dhabi Commercial Bank PJSC – India Branches
june 24, 2017 vol liI nos 25 & 26 EPW Economic & Political Weekly594
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