11PB 1

NOTICE

STATE BANK OF BIKANER & JAIPURHead Office, Tilak Marg, 'C' Scheme,

JAIPUR - 302005

NOTICE OF ANNUAL GENERAL METTING AND BOOK CLOSURE FOR DIVIDEND

lwpuk

LVsV cSad vkWiQ chdkusj ,.M t;iqjiz/ku dk;kZy;] fryd ekxZ] lh&Ldhe] t;iqj&302005

okf"kZd lk/kj.k lHkk ,oa ykHkka'k gsrq jftLVj can dh lwpuk

Place: Jaipur

Date: 29th April, 2016

By ORDER OF THE BOARD

(Jyoti Ghosh)Managing Director

,rn~okjk lwpuk nh tkrh gS fd LVsV cSad vkWiQ chdkusj ,.M t;iqj ds va'k/kjdksa dh 55oha okf"kZd lk/kj.k lHkk] egkjk.kk çrki vkWfMVksfj;e] Hkkjrh; fo|k Hkou] ds-,e-eqa'kh ekxZ] vks-Vh-,l- ds lkeus] t;iqj esa eaxyokj] fnukad 7 twu] 2016 dks çkr% 11-30 cts (Hkkjrh; ekud le;) vk;ksftr dh tk;sxh] ftlesa 1 vçsy 2015 ls 31 ekpZ] 2016 rd dh vof/ ds rqyu&i=k ,oa ykHk vkSj gkfu [kkrk] blh vof/ esa cSad ds dk;Zdj.k ,oa fØ;kdykiksa ij funs'kd e.My ds çfrosnu rFkk rqyu&i=k o ys[kksa ds lEcU/ esa laijh{kdksa ds çfrosnu ij fopkj dj ikfjr fd;k tk;sxkA

cSad ds va'k/kjdksa dk jftLVj 'kfuokj] fnukad 7 ebZ 2016 ls cq/okj] fnukad 11 ebZ 2016 rd (nksuks fnu feykdj)] 31 ekpZ] 2016 dks lekIr foÙkh; o"kZ ds ykHkka'k gsrq va'k/kfj;ks dh ik=krk lqfuf'pr djus gsrq cUn jgsxkA

e.My ds vkns'kkuqlkj

(T;ksfr ?kks"k)izcU/ funs'kd

LFkku% t;iqjfnukad% 29 vizSy] 2016

NOTICE is hereby given that the Fifty- fifth Annual General Meeting of the Shareholders of State Bank of Bikaner and Jaipur will be held at the Maharana Pratap Auditorium, Bharatiya Vidya Bhavan, K. M. Munshi Marg, Opp. O.T.S., Jaipur - 302015 on Tuesday, the 7th June, 2016 at 11.30 a.m. (Indian Standard Time) to discuss and adopt the Balance Sheet and Profit & Loss Account of the Bank, the report of the Board of Directors on the working and activities of the Bank and the Auditors' Report on the Balance Sheet and Accounts for the period 1st April, 2015 to 31st March, 2016.

The register of shareholders of the Bank shall remain closed from 7th May, 2016 (Saturday) to 11th May, 2016 (Wednesday) both the days inclusive , in order to ascertain the entitlement of share holders for the dividend for financial year 2015-16.

222 3

mUufr dk ,d n'kd 2007&2016A Decade of Progress 2007-2016

(` djksM+ esa)(` in Crore)

ladsrdIndicators

iwath ,oa vkjf{kfr;ka Capital & Reserves

dqy O;olk;Total

Business

ifjpkyu ykHk

OperatingProfit

fuoy ykHkNet

Profit

'kk[kkvksadh la[;kNo. of

Branches

izfr deZpkjhvkSlr O;olk;

Average Business per

Employee

izfr deZpkjhfuoy ykHk(` yk[k esa)Net Profit

perEmployee (` in lakh)

ekpZ March 2007 1653.71 49246 679.20@ 305.80 844 3.56 2.57

ekpZ March 2008 1713.21 59427 661.18@ 315.00 850 4.45 2.73

ekpZ March 2009 2046.47 69312 892.84@ 403.45 860 5.55 3.55

ekpZ March 2010 2417.40 81622 903.73@ 455.16 861 6.28 3.96

ekpZ March 2011 2850.81 95596 1140.25@ 550.88 902 7.51 4.84

ekpZ March 2012 4164.88 111558 1489.61@ 652.03 950 8.27 5.42

ekpZ March 2013 6764.13 130590 1712.87@ 730.24 1037 9.00 5.91

ekpZ March 2014 5355.92 139208 1694.66@ 731.69 1148 9.77 5.62

ekpZ March 2015 6012.68 155392 2104.11@ 776.87 1261 11.00 6.02

ekpZ March 2016 6742.80 168748 2305.03@ 850.60 1316 12.15 6.60

@ fuos'kksa ds ewY;kadu ds fy, Hkkjrh; fjt+oZ cSad }kjk tkjh iqujhf{kr fn'kkfunsZ'kksa dks n`f"Vxr djrs gq,AKeeping in view revised RBI guidelines on valuation of investments.

fo"k; & lwph CONTENTS

mYys[kuh; rF; 03Highlights 03funs'kd e.My 04Board of Directors 04funs'kd e.My dk izfrosnu 08Directors' Report 09dkWjiksjsV vfHk'kklu 44Corporate Governance 45cklsy&III izdVhdj.k 74Basel-III Disclosures 75Lok;Ÿk ys[kk ijh{kdksa dk izfrosnu 146Independent Auditors' Report 147rqyu&i= 150Balance Sheet 151ykHk&gkfu [kkrk 152Profit & Loss Account 152rqyu&i= ,oa ykHk gkfu [kkrs dh vuqlwfp;ka 154Schedules of Balance Sheet and Profit & Loss Account 154egRoiw.kZ ys[kk uhfr;ka 166Principal Accounting Policies 167[kkrksa ij fVIif.k;ka 184Notes on Accounts 185

332 3

mYys[kuh; rF;

HIGHLIGHTS(` djksM+ esa) (` in Crore)

2014-15 2015-16

dqy O;olk; vUrj cSad tekvksa lfgr Total Business including inter-bank deposits 155392 168748

tekjkf'k;k¡ Deposits 84239 94005

dqy vfxze Total Advances 71153 74743

vfxze (fuoy) Advances (Net) 69548 72927

fuos'k (fuoy) Investments (Net) 22465 24782

fuoy ykHk Net Profit 776.87 850.60

tekvksa dh ykxr Cost of Deposits 7.01% 6.76%

vfxzeksa ij vk; Yield on Advances 10.98% 10.70%

fuoy C;kt vUrj Net Interest Margin 3.37% 3.47%

iznRr iwath ,oa vkjf{kfr;ka Paid-up Capital & Reserves 6012.68 6742.80

izfr va'k vk; (` esa) Earning per Share (in `) 110.98 121.51

izfr va'k iqLrd ewY; (` esa) Book Value per Share (in `) 858.95 963.26

iwath i;kZIrrk vuqikr Capital Adequacy Ratiocklsy&II ds vuqlkj As per Basel - II 11.69% 11.33%

cklsy&III ds vuqlkj As per Basel - III 11.57% 11.06%

ykHkka'k nj Dividend Rate 143% 143%

ldy xSj&fu"ikfnr vkfLr;ka Gross Non Performing Assets 2945.14 3602.76

ldy xSj&fu"ikfnr vkfLr;ka izfr'kr Gross NPA% 4.14% 4.82%

fuoy xSj&fu"ikfnr vkfLr;ka izfr'kr Net NPA% 2.54% 2.75%

izkFkfedrk izkIr {ks=k dks vfxze Advances to Priority Sectors 27844 29677

Ñf"k {ks=k dks vfxze Advances to Agriculture 11927 13399

lw{e ,oa y?kq m|eksa dks vfxze Advances to Micro and Small Enterprises 10838 11632

fu;kZr foRr Export Finance 2544 2438

'kk[kkvksa dh dqy la[;k Total Number of branches 1261 1316

deZpkfj;ksa dh la[;k Number of Employees 13238 13529

izfr deZpkjh vkSlr O;olk; Average Business per Employee 11.00 12.15

izfr deZpkjh fuoy ykHk (` yk[kksa esa) Net Profit per Employee (` in lakh) 6.02 6.60

444 5

Jherh v:U/kfr HkV~Vkpk;Zv/;{k]Hkkjrh; LVsV cSad] dkjiksjsV lsUVj] esMe dkek jksM] eqEcbZ & 400 021

Jh T;ksfr ?kks"kizcU/k funs'kd]LVsV cSad vkWQ chdkusj ,.M t;iqj] iz/kku dk;kZy;] fryd ekxZ] t;iqj 302005

Jherh ekyfodk fLkUgkiz- eq[; egkizcU/kd] lgdkjh cSad i;Zos{k.k foHkkx] Hkkjrh; fjtoZ cSad] lsUV™y vkWfQl lh&9] izFke ry] ckUnzk dqykZ dkWEiySDl] ckUnzk (bZ)eqEcbZ&400051

Jh oh- th- dUuuizca/k funs'kd ,oa l-dk- (l- ,oa v-)Hkkjrh; LVsV cSad] dkjiksjsV lsUVj]eqEcbZ & 400 021

Jh uhjt O;kleq[; egkizcU/kd] (l-,oa v-)]Hkkjrh; LVsV cSad] dkjiksjsV lsUVj]eqEcbZ & 400 021

Jh jfo uUnu lgk;eq[; egkizcU/kd] (l-,oa v-)]Hkkjrh; LVsV cSad] dkjiksjsV lsUVj]eqEcbZ & 400 021

Jh oh-ds- eksaxkegkizcU/kd] (l-,oa v-)]lg;ksxh cSad foHkkxHkkjrh; LVsV cSad] dkjiksjsV lsUVj]eqEcbZ & 400 021

Jh jru dqekj #axVk61@45] izrki uxjlkaxkusj] Vksad jksMt;iqj & 302030

Jh fgedj jkepanz JhokLro,e-,e-ch- 1@207] lSDVj&ch] ,l-ch-vkbZ- dkWyksuh] lhrkiqj jksM+ ;kstuk]tkudhiqje] y[ku≈&226021

Jh Hkkjr jruch- jru ,.M ,lksfLk;sV~l]nqdku la- 408&409] egd Vkoj]dSyk'k fLkusek jksM+ fLkfoy ykbal]yqf/k;kuk & 141001

Jh xqykc fLkagmi lfpo] Hkkjr ljdkj] vkbZ,Q&Ifor ea=ky;] foŸkh; lsok,a foHkkx](cSafdax izHkkx) rrh; ry] thou nhi fcfYMax] laln ekxZ] ubZ fnYyh&110001

Jh v:.k dwyoky,dy f[kM+dh ifjpkydLVsV cSad vkWQ chdkusj ,.M t;iqjva-dk-] t;iqj&302001

Smt. Arundhati BhattacharyaChairman,State Bank of India, Corporate Centre, Madame Cama Road, Mumbai-400021

Shri Jyoti GhoshManaging Director,State Bank of Bikaner and Jaipur Head Office, Tilak Marg, Jaipur - 302 005

Smt. Malvika SinhaPr. Chief General Manager,Department of Cooperative Bank Supervision, Reserve Bank of India, Central Office, C-9, 1st FloorBandra Kurla Complex, Bandra (E)Mumbai- 400051

Shri V.G. KannanMD & GE (A&S)State Bank of India, Corporate Centre, Mumbai-400021

Shri Neeraj VyasChief General Manager (A&S)State Bank of India, Corporate Centre, Mumbai-400021

Shri Ravi Nandan SahayChief General Manager (A&S)State Bank of India, Corporate Centre, Mumbai-400021

Shri V.K. MongaGeneral Manager (A&S)Associate Banks DepartmentState Bank of India, Corporate Centre, Mumbai-400021

Shri Ratan Kumar Roongta61/45, Pratap NagarSanganer Tonk RoadJaipur-302030

Shri Himkar Ramchandra SrivastavaMMB-1/207, Sector-B, SBI Colony,Sitapur Road Yojna, Jankipuram, Lucknow-226021

Shri Bharat RattanB. Rattan & Associates,Shop No. 408-409,Mahak Tower, Kailash Cinema Road, Civil Lines Ludhiana-141001

Shri Gulab SinghDy. Secretary Govt. of India, IF-I Ministry of Finance Department of Financial Services (Banking Divison) IIIrd Floor, Jeevan Deep Building, Parliament street, New Delhi-110001

Shri Arun KoolwalS.W.O. State Bank of Bikaner &Jaipur, Z.O. Jaipur - 302001

Chairman, ex-officio under clause (a) of sub-section (1) of section 25 of the State Bank of India (Subsidiary Banks) Act, 1959.

Nominated under clause (aa) of sub-section (1) of section 25 of the Act.

Nominated by the Reserve Bank of India under clause (b) of sub-section (1) of section 25 of the Act.

Nominated by the State Bank of India under clause (c) of sub-section (1) of section 25 of the Act.

Nominated by the State Bank of India under clause (c) of sub-section (1) of section 25 of the Act.

Nominated by the State Bank of India under clause (c) of sub-section (1) of section 25 of the Act.

Nominated by the State Bank of India under clause (c) of sub-section (1) of section 25 of the Act.

Elected director under clause (d) of sub-section (1) of section 25 of the Act.

Elected director under clause (d) of sub-section (1) of section 25 of the Act.

Nominated by the State Bank of India under clause (d) of sub-section (1) of section 25 of the Act.

Nominated by the Central Government under clause (e) of sub-section (1) of section 25 of the Act.

Nominated by the Central Government under clause (ca) of sub-section (1) of section 25 read with sub-section (2A) of section 26 of the Act.

Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/kfu;e 1959 dh /kkjk 25 dh mi/kkjk (1) ds [k.M (,) ds v/khu insu v/;{k

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (,,) ds v/khu euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (ch) ds v/khu Hkkjrh; fjt+oZ cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (lh) ds v/khu Hkkjrh; LVsV cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (lh) ds v/khu Hkkjrh; LVsV cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (lh) ds v/khu Hkkjrh; LVsV cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (lh) ds v/khu Hkkjrh; LVsV cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (Mh) ds v/khu p;fur funs'kd

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (Mh) ds v/khu p;fur funs'kd

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (Mh) ds v/khu Hkkjrh; LVsV cSad }kjk euksuhr

vf/kfu;e dh /kkjk 25 dh mi/kkjk (1) ds [k.M (bZ) ds v/khu dsUnzh; ljdkj }kjk euksuhr

vf/kfu;e dh /kkjk 26 dh mi/kkjk (2,) ds lkFk ifBr /kkjk 25 dh mi/kkjk (1) ds [k.M (lh,) ds v/khu dsUnzh; ljdkj }kjk euksuhr

funs'kd e.My (31 ekpZ] 2016 dks) BOARD OF DIRECTORS (AS ON 31ST MARCH, 2016)

554 5

funs'kd e.My (31 ekpZ] 2016 dks)BOARD OF DIRECTORS (AS ON 31st March, 2016)

Jherh v:U/fr HkV~Vkpk;Zvè;{k

Smt. Arundhati Bhattacharya Chairman

Jh uhjt O;klShri Neeraj Vyas

Jherh ekyfodk flUgkSmt. Malvika Sinha

Jh Hkkjr jruShri Bharat Rattan

Jh oh-th- dUuuizcU/ funs'kd ,oa l-dk- (l-,oa-v-)

Shri V. G. KannanManaging Director & GE (A&S)

Jh jfo uUnu lgk;Shri Ravi Nandan Sahay

Jh jru dqekj :axVkShri Ratan Kumar Roongta

Jh oh-ds- eksaxkShri V.K. Monga

Jh T;ksfr ?kks"kizcU/ funs'kd

Shri Jyoti GhoshManaging Director

Jh xqykc flagShri Gulab Singh

Jh fgedj jkepUnz JhokLroShri Himkar Ramchandra Srivastava

Jh v:.k dwyokyShri Arun Koolwal

666 7

fofo/k % cSad ds vk;kstu o miyfC/;ka A kaleidoscope of the Bank’s events and accomplishments

776 7

iqjLdkj ,oa lEeku 2015&16 (AWARDS AND ACCOLADES 2015-16)

nyky LVªhV tuZy }kjk 2016 esa fuos'k gsrq fpfUgr 250 feMdSi LVkWDl esa 5oka loZJs"BA

Identified by Dalal Street Journal as the 5th best among the 250 identified Mid Cap Stocks for investing in 2016.

Hkkjrh; 'kh"kZ 500 daifu;ksa 2015 esa mYys[kA Featured in India’s Top 500 Companies 2015.

fctusl VqMs }kjk ¶loZJs"B feMlkbt Hkkjrh; cSadksa¸ varxZr 5oka LFkkuA Ranked 5th in “Best MID Size Indian Banks” by “Business Today”.

,lkspSe }kjk ¶loZJs"B lkekftd cSad&eè;e cSad oxZ¸ varxZr mifotsrk iqjLdkj ls Jh t;ar flUgk dsaæh; foÙk jkT;ea=kh] Hkkjr ljdkj] }kjk iqjLd`rA

Runner Up as “Best Social Bank” under Medium Bank Class category by ASSOCHAM, awarded by Shri Jayant Sinha, MoS for Finance, Govt. of India.

Hkkjrh; lw{e y?kq ,oa eè;e bdkbZ pSacj (CIMSME) }kjk ¶mHkjrs cSadksa gsrq loZJs"B ,e,l,ebZ cSad vokMZ¸ varxZr mifotsrk iqjLdkj ls Jh ih;w"k xks;y] dsaæh; ÅtkZ] dks;yk] uohu o uohdj.kh; ÅtkZ jkT;ea=kh] Hkkjr ljdkj }kjk iqjLd`rA

Runner Up under “Best MSME Bank Award for Emerging Bank” by Chamber of Indian Micro, Small & Medium Enterprises {CIMSME}, awarded by Shri Piyush Goyal, MoS for Power, Coal, New and Renewable Energy, Govt. of India.

ih,iQvkjMh, }kjk vVy isa'ku ;kstuk f}rh; pj.k ds dk;kZUo;u esa loZJs"B çn'kZu (lkoZtfud {ks=k cSadksa esa r`rh; LFkku) iqjLdkjA

Best Performance Award (3rd prize amongst all PSBs) conferred by PFRDA for implementation of Atal Pension Yojna Phase-II.

8 98 98 9

LVsV cSad vkWiQ chdkusj ,.M t;iqj ds funs'kd eaMy dks cSad ds 31 ekpZ 2016 dks lekIr foÙk o"kZ dk okf"kZd çfrosnu o lkFk gh vadsf{kr rqyu i=k ,oa ykHk gkfu [kkrksa dks çLrqr djrs gq, çlUurk gSA

çca/u fopkj foe'kZ vkSj fo'ys"k.k

vkfFkZd ifjn`';

oSf'od vFkZO;oLFkk

2015 esa oSf'od vkfFkZd xfrfof/ ean cuh jghA oSf'od n`f"Vdks.k eq[;r% phu dh vkfFkZd xfrfof/ esa iquZlarqyu cukus o /heh xfr ls mrkj] ÅtkZ o vU; mRiknksa ds ewY;ksa esa deh rFkk la;qDr jkT; vesfjdk dh ekSfæd uhfr esa /heh xfr ls ykbZ tk jgh dlkoV ls çHkkfor jgk] tcfd vU; dbZ fodflr vFkZO;oLFkkvksa ds dsUæh; cSad fujarj :i ls viuh ekSfæd uhfr dks yphyk cukrs jgsA

varjkZ"Vªh; eqæk dks"k vuqlkj oSf'od o`f¼] tks fd orZeku esa 2015 esa 3-1% vuqekfur gS] 2016 esa 3-4% rFkk 2017 esa 3-6% ç{ksfir gSA oSf'od xfrfof/ esa mBku dh xfr] fo'ks"kdj mHkjrs gq, cktkjksa o fodkl'khy vFkZO;oLFkkvksa esa] /heh gh jguh ç{ksfir gSA fodflr vFkZO;oLFkkvksa esa] mRiknu varj ds vkSj vf/d ladqpu ls ,d ekewyh rFkk vfu;fer lq/kj cus jgus dh vk'kk gSA

mDr ?kVuk,¡ o lekukUrj :i ls phuh vFkZO;oLFkk ds Hkkoh dk;Zfu"iknu dks ysdj cktkj esa O;kIr fparkvksa dk O;kikj lsrqvksa ds ekè;e ls vU; vFkZO;oLFkkvksa ij detksj gks jgs mRikn ewY;ksa] vkfFkZd vkRefo'okl esa fxjkoV o foÙkh; cktkjksa esa O;kid mrkj&p<+ko ds lesfdr :i esa çHkko ifjyf{kr gks jgk gSA

oSf'od Lrj ij fuekZ.k xfrfof/ o O;kikj detksj cus jgs] tks fd oSf'od ekax rFkk fuos'k esa eanh dks n'kkZrs gSaA blds vfrfjDr] vkfFkZd ladV ls tw>rs dbZ mHkjrs gq, ckt+kjkss o fodkl'khy vFkZO;oLFkkvksa esa vk;kr esa fxjkoV oSf'od O;kikj ij cgqr T;knk gkoh cuh gqbZ gSA mHkjrs gq, cktkj rFkk fodkl'khy vFkZO;oLFkkvksa esa o`f¼ 2015 ds 4%] tks fd 2008&09 ds foÙkh; ladV ds ckn ls vc rd dk U;wure Lrj jgk gS] ls c<+dj 2016 esa 4-3% o 2017 esa 4-7% ç{ksfir gSA rFkkfi] fodflr vFkZO;oLFkkvksa esa o`f¼ 2-1% ç{ksfir gS o 2017 esa fLFkj cus jguk laHkkfor gSA

Hkkjrh; vFkZO;oLFkk

ldy ?kjsyw mRikn (thMhih) ds vk/kj o"kZ dh x.kuk gsrq 2004&05 ls 2011&12 esa la'kks/u mijkar Hkkjr ds ldy ?kjsyw mRikn o`f¼ nj] tks vc rd 5% ls Hkh

de cuh jgh Fkh] rsth ls mNy dj 7% ls vf/d (2015&16 dh rhljh frekgh esa 7-3%] tks phu ds 6-8% ls csgrj Fkh) igq¡p x;h o Hkkjrh; vFkZO;oLFkk fo'o dh lokZf/d rsth ls c<+ jgh vFkZO;oLFkk cu x;hA ;|fi orZeku foÙkh; o"kZ esa Hkkjrh; vFkZO;oLFkk dh o`f¼ nj ç{ksfir 7-6% ds lkis{k 7-4% vuqekfur gS] rFkkfi ljdkj us vk'kk O;Dr dh gS fd foÙkh; o"kZ 2015&16 esa ldy ?kjsyw mRikn o`f¼ nj 7-6% gksxhA

fo'o cSad dh Hkfo";okf.k;ksa vuqlkj vkxkeh nks o"kksaZ esa fodkl'khy ns'kksa ds çfr uSjk';iw.kZ n`f"Vdks.k ds chp Hkkjr ,d vk'kkoku o ÅtkZ ls vksrçksr dsaæ jgsxk rFkk 2018 esa bldh o`f¼ nj c<+dj 7-9% gksus dh laHkkouk O;Dr dh gSA cká [krjksa esa deh] ,d lqn`<+ gksrk ?kjsyw O;olk; pØ rFkk ,d lg;ksxiw.kZ] leFkZu;qDr uhfr okrkoj.k ds vkyksd esa Hkkjr dks fu'p; gh ykHk gksxkA

Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e]1959 dh /kjk 43(1) ds fuca/uksa ds rgr Hkkjrh; LVsV cSad] Hkkjrh; fjtoZ cSad ,oa Hkkjr ljdkj dks funs'kd eaMy dk çfrosnu

çfrosnu dh vof/ % 01 vçSy] 2015 ls 31 ekpZ] 2016

iz/kuea=kh jkgr dks"k dks lgk;rk Donation to the Prime Minister’s Relief Fund

8 98 98 9

The Board of Directors of State Bank of Bikaner and Jaipur have pleasure in presenting this Annual Report together with the audited Balance Sheet and Profit and Loss Account of the Bank for the year ended 31st March 2016.

MANAGEMENT DISCUSSION AND ANALYSIS ECONOMIC SCENARIOGLOBAL ECONOMY

In 2015, global economic activity remained subdued. Global outlook was mostly influenced by gradual slowdown & rebalancing of economic activity in China, lower prices for energy and other commodities and gradual tightening in monetary policy in the United States, as several other major advanced economies' central banks continued to ease monetary policy.

According to International Monetary Fund (IMF),Global growth, currently estimated at 3.1% in 2015, is projected at 3.4% in 2016 and 3.6% in 2017. The pickup in global activity is projected to be gradual, especially in emerging market and developing economies. In advanced economies, a modest and uneven recovery is expected to continue, with a gradual further narrowing of output gaps.

These developments, together with market concerns about the future performance of the Chinese economy, are having spillovers to other economies through

REPORT OF THE BOARD OF DIRECTORS TO THE STATE BANK OF INDIA, THE RESERVE BANK OF INDIA AND THE GOVERNMENT OF INDIA IN TERMS OF SECTION 43(1) OF THE STATE BANK OF INDIA

(SUBSIDIARY BANKS) ACT 1959

PERIOD COVERED BY REPORT : 1st APRIL, 2015 TO 31st MARCH, 2016

trade channels and weaker commodity prices, as well as through diminishing confidence and increasing volatility in financial markets.

Manufacturing activity and trade remained weak globally, reflecting a subdued global demand and investment. In addition, the decline in imports in a number of emerging markets and developing economies in economic distress is also weighing heavily on global trade. Growth in emerging markets and developing economies is projected to increase from 4% in 2015, the lowest since the 2008-09 financial crisis, to 4.3% in 2016 and 4.7% in 2017, while, the growth in advanced economies is projected to rise to 2.1% and hold steady in 2017.

INDIAN ECONOMY

After revision in base year GDP calculation from 2004-05 to 2011-12, India's GDP jumped from sub 5% growth to 7% plus to become world's fastest growing economy (7.3% in Q3 2015-16, better than China’s 6.8%). The Indian economy in the current fiscal is expected to grow at 7.4%, slightly lower than 7.6% projected. However, government has forecasted that GDP for the fiscal year 2015-16 would grow by 7.6%.

Forecasts from the World Bank showed that India will be a bright spot amid a gloomy outlook for developing countries in the next two years and predicts it will grow

at 7.9% by 2018. India would benefit on the backdrop of a reduction in external vulnerabilities, a strengthening domestic business cycle and a supportive policy environment.

Indian currency saw weakness due to global economic slowdown, weak commodity prices, falling of crude oil prices, contraction of India’s exports and large amount of selling by FIIs in stock market. The year 2015 saw FIIs being net sellers with total pull out amounting to `32985 crore till Feb’16 from equity bringing Sensex down to 17 month low of 22494.61 from its record high of 30000. India’s forex reserves, however, were of some respite as it stood at its all time high range of above $350 bn.

On the inflation front, WPI stayed in the negative for fifteen straight months till Jan’16, though, it is showing an upward movement from all time low of (-) 5.06% in Aug’15 to (-) 0.73% in Jan’16. Combined CPI also, after witnessing an all time low of 3.69% in July’15 increased to 5.69% in Jan’16, due to persistent services inflation, but was comfortably below RBI’s CPI inflation target of 6%.

BANKING INDUSTRY

2015-16 was the continuous second year witnessing low credit offtake and increasing stressed assets for the banks.

One of the main reasons for the muted advances growth was

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oSf'od vkfFkZd eanh] detksj mRikn ewY;ksa] dPps rsy dh dherksa esa fxjkoV] Hkkjr ds fu;kZrksa esa ladqpu rFkk fons'kh laLFkkxr fuos'kdksa }kjk Hkkjh ek=k esa dh x;h fcdokyh ds dkj.k Hkkjrh; eqæk esa Hkh detksjh ns[kh x;hA 2015 us fons'kh laLFkkxr fuos'kdksa dks fuoy foØsrk ds :i esa LFkkfir fd;k ftUgksus iwath ls iQjojh*16 rd `32985 djksM+ dh dqy fcdokyh dj lsalsDl dks mlds 30000 ds fjdkWMZ Lrj ls 17 ekg ds 22494-61 ds fupys Lrj ij yk fn;kA rFkkfi] Hkkjr ds fons'kh eqæk HkaMkj ds 350 vjc MkWyj ls Hkh vf/d ds vius vc rd ds loksZPp Lrj ij LFkk;h cus jgus ls dqN jkgr jghA

eqækLiQhfr ds ekspsZ ij ;|fi Fkksd ewY; lwpdkad yxkrkj 15 ekg tuojh*16 rd ½.kkRed (negative) cuk jgk] rFkkfi vxLr*15 ds (&)5-06% ds vius lcls U;wure Lrj ls Åij dh vksj c<+rs gq, ;g tuojh*16 esa (&)0-73% gks x;kA ;|fi yxkrkj lsok,a eqækLiQhfr ds vkyksd esa lesfdr miHkksDrk ewY; lwpdkad (CPI) Hkh tqykbZ*15 ds 3-69% ds vius vc rd ds U;wure Lrj ls c<+dj tuojh*16 esa 5-69% gks x;k] rFkkfi ;g Hkkjrh; fjtoZ cSad ds tuojh*16 ds CPI eqækLiQhfr y{; 6% ls de jgrs gq, larks"kçn fLFkfr esa FkkA

cSafdax m|ksx

cSadksa ds fy, 2015&16 lk[k dh detksj ekax@ miHkksx o nckoxzLr vkfLr;ksa esa fujarj o`f¼ n'kkZrk yxkrkj nwljk o"kZ jgkA

lk[k dh eançk; o`f¼ dk ,d çeq[k dkj.k fu;kZr oLrqvksa dh ean oSf'od ekax o ifj.kkeLo:i de miHkksx rFkk mRiknu lhek dk de bLrseky gksuk jgkA ean lk[k ifjn`'; dk ,d dkj.k dkiksZjsV bdkb;ksa }kjk okf.kfT;d lk[k i=k cktkj o fons'kh L=kksrksa dks] ftudh njsa Hkkjrh; cSadksa dh vk/kj nj ls de gSa] iwath

vkiwfrZ ds fodYi ds :i es pquuk ekuk tk ldrk gSA dkiksZjsV txr esa pkSrjiQk ncko ds ekStwnk nkSj esa Hkh {ks=kokj lk[k fu{ksi.k vuqlkj fjVsy lk[k esa 15% ls vf/d dh o`f¼ o vis{kkd`r de ,uih, Lrj us cSadksa dks larks"kçn fLFkfr esa cuk, j[kkA

vuqlwfpr okf.kfT;d cSadksa (SCBs) dh ldy tekvksa esa fiNys o"kZ dh 10-7% dh o`f¼ ds lkis{k orZeku o"kZ esa 11-3% dh o`f¼ ns[kh x;h] tcfd vfxzeksa esa ;g o`f¼ xr o"kZ ds 9-6% ds lkis{k 11-5% jghA

pkSrjiQk O;kikj o ekax esa eanh ds dkj.k vkfLr xq.koÙkk dks ysdj fpark,¡ yxkrkj c<+us yxhaA fnlacj*15 dh foÙkh; LFkkf;Ro fjiksVZ (FSR) vuqlkj vf/lwfpr okf.kfT;d cSadksa (SCBs) dh ldy xSj fu"ikfnr vkfLr;ka (Gross NPAs) ekpZ*15 esa 4-6% ls c<+dj flracj*15 esa 5-1% gks x,A nckoxzLr vkfLr;ka (stressed assets) ekpZ*15 ds 11-1% ds Lrj ls c<+dj flracj*15 esa 11-3% gks xbZa] tcfd lkoZtfud {ks=k cSadksa (PSBs) dh nckoxzLr vkfLr;ka flracj*15 esa 14-1% ij igq¡p xbZaA

vkfLr xq.koÙkk ds ekspsZ ij ;g o"kZ vR;f/d pqukSrhiw.kZ cuk jgkA Hkkjrh; fjtoZ cSad }kjk dh x;h vkfLr xq.koÙkk leh{kk (Asset Quality Review)] ftlds vuqlkj cSadksa dks vfxzeksa dks iquoZxhZd`r djus rFkk nckoxzLr vkfLr;ksa ds lkis{k iwath ds vf/d çko/ku fd, tkus gsrq funsZf'kr fd;k x;k gS] ds vkyksd esa xSj fu"ikfnr vkfLr;ksa o çko/kuksa esa c<+ksrjh ns[kh xbZ gSA vxyk o"kZ 2016&17 Hkh] ftlesa Hkkjrh; fjtoZ cSad us cSadksa ls mudh leLr nckoxzLr vkfLr;ksa dks fpfUgr fd, tkus o rnuqlkj muds lkis{k çko/ku fd, tkus dh vis{kk dh gS] cSafdax m|ksx ds fy, bruk gh pqukSrhiw.kZ jgsxkA

n`f"Vdks.k

ekStwnk foÙkh; o"kZ esa Hkkjrh; fjtoZ cSad us eq[; njksa esa dVkSrh djrs gq, vFkZO;oLFkk dks 75 vk/kj vadksa (bps) dh jkgr çnku dhA rFkkfi] dsUæh; cSad }kjk xr ,d o"kZ esa dqy 125 vk/kj vadksa (bps)dh dVkSrh nsus ds mijkar Hkh Hkkjrh; cSadksa us muds ladqfpr gksrs tk jgs ykHk ekftZuks ds vkyksd esa viuh vk/kj njksa (base rate) esa vkSlru 70 vk/kj vadksa (bps) dh gh dVkSrh mrjksÙkj çlkfjr dhA lkekU; ekulwu] ldkjkRed O;kikj ladsrdksa] ?kjsyw vk; esa lq/kj rFkk bdkb;ksa dh vknku ykxrksa esa deh ds vkyksd esa Hkkjrh; fjtoZ cSad us o`f¼ ds Øfed l'kfDrdj.k dh vk'kk O;Dr djrs gq, ldy ?kjsyw mRikn o`f¼ nj 2016&17 esa 7-6% ç{ksfir dh gSA

ekStwnk ljdkj }kjk foÙkh; lesdhdj.k dh fn'kk esa mBk, x, dneksa ds vkyksd esa cktkj 2016&17 ds çkjEHk esa 25 ls 50 vk/kj vadksa (bps) rd dh njksa esa dVkSrh dh vk'kk dj jgk gSA orZeku ctV esa ljdkj us 2016&17 gsrq foÙkh; ?kkVs dks 3-5% j[krs gq, Hkkjrh; fjtoZ cSad dks viuh vkxkeh f}ekfldh esa njksa esa dVkSrh djus gsrq i;kZIr xqatkb'k ns nh gSA

ljdkj }kjk baizQkLVªDpj esa vf/d fuos'k fd, tkus rFkk vc rd BIi@LFkfxr jgh ifj;kstukvksa dks Rofjr Lohd`fr ds mrjksÙkj çHkko ds vkyksd esa orZeku o"kZ esa lk[k dh ekax ds dqN iquthZfor gksus dh laHkkouk gS A

volj o pqukSfr;k¡

Hkkjrh; vFkZO;oLFkk fo'o dh lokZf/d rsth ls c<+rh gqbZ vFkZO;oLFkk gSA rFkkfi] ekStwnk o`f¼ vHkh Hkh jkstxkj ds vf/dkf/d volj l`ftr djus@lq/kjus o lkekftd LFkkf;Ro çnku djus ds jk"Vªh; mís';@ekud ls dkiQh uhps gSA

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subdued global demand for the export goods resulting in low consumption and lower capacity utilization. The low credit growth scenario may also be attributed to the corporates opting for fund raising through the commercial paper market and overseas sources, where rates are lower than base rate of Indian banks. Even in this period of corporate stress, retail credit growth as per sectoral deployment of credit kept the banks at comfortable position with a growth of over 15% and relatively low NPAs.

Aggregate deposits of the SCBs showed growth of 11.3% in the current fiscal as against previous year growth of 10.7%, while advances growth stood at 11.5% against 9.6% previous fiscal.

The asset quality concerns continued to build up, because of the overall trade and demand slowdown bottleneck. As per FSR of Dec’15, the Gross NPAs of the SCBs increased from 4.6% in Mar’15 to 5.1% in Sept’15. The stressed assets touched another high of 11.3% in Sept’15 up from 11.1% in Mar’15, while PSBs stressed assets stood high at 14.1% in Sept’15.

The year had been very challenging on the asset quality front. There has been a surge in bad loans and provisions after RBIs Asset Quality Review directing the Banks to reclassify loans and set aside more money against stressed assets. The next year 2016-17, by which time RBI expects banks to recognize all stressed assets & make provisions to cover them will be equally challenging for the industry.

OUTLOOK

In the current fiscal, RBI gave the economy a respite of 75 basis points in the form of key rate cuts. However, out of the total 125 bps cut given by the Central Bank in the last one year, Indian banks could bring down the average Base rate cut by 70 bps due to squeezing profit margin. For FY 2016-17, RBI expects the growth to strengthen gradually on the backdrop of normal monsoon, positive terms of trade gains, improving household incomes and lower input costs of firms and projected the GDP growth at 7.6%.

At the beginning of FY 2016-17, market is expecting a rate cut of 25 to 50 bps on the backdrop of fiscal consolidation measures of the current government. In the current budget, government has kept the fiscal deficit for 2016-17 at 3.5% giving RBI headroom to cut key rates.

The current year may witness some revival in credit demand on the backdrop of trickledown effect of clearance of stalled projects and increased investment in infrastructure by the government.

OPPORTUNITIES & THREATS

Indian economy is the fastest growing economy in the world.However, the current growth is still short of the mark required by the nation to improve job creation and social stability.

A sluggish rural economy is being considered as one of the important reasons for subdued growth in the economy. Any improvement in rural demand, middle class consumption pattern and increased investment is expected to witness recovery in the economy. Improvement in credit growth is mostly bolstered by the increased focus on retail segment by the banks. Of late, the agriculture sector has emerged

jktLFkku eq[;ea=kh jkgr dks"k dks lgk;rk Donation to the Rajasthan Chief Minister’s Relief Fund

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xzkeh.k vFkZO;oLFkk esa f'kfFkyrk vFkZO;oLFkk dh ean o`f¼ dk ,d çeq[k dkj.k gSA xzkeh.k ekax] eè;e oxZ miHkksx lajpuk esa dksbZ Hkh lq/kj rFkk fuos'k esa c<+ksrjh ls vFkZO;oLFkk esa lq/kj gksus dh vk'kk gSA ÅtkZoku tula[;k oxZ] vkokl o vU; lkekftd lqfo/kvksa dks ysdj c<+rh gqbZ vkdka{kkvksa ls ifjiw.kZ ,d fujarj c<+rk gqvk eè;e oxZ o lkFk gh vk; vtZu dks"Bd esa vf/dkf/d yksxksa dk lekos'ku] ;s lHkh lexz :i ls cSadksa ds fy, ,d ,slh foiqy O;olk; laHkkouk ds :i esa :ikarfjr gks jgs gSa ftUgsa cSad vc viuk y{; cuk jgs gSaA lk[k o`f¼ esa lq/kj dks eq[; :i ls cSadksa }kjk fjVsy [kaM ij vf/dkf/d è;ku dsfUær fd, tkus ls cy fey jgk gSA gky esa d`f"k {ks=k us Hkh vius vk; Lrj esa c<+ksrjh ns[kh gS rFkk c<+s gq, d`f"k e'khuhdj.k&mUur midj.kksa ds ç;ksx o d`f"k mRiknksa rFkk lkFk gh Hkwfe vf/xzg.k ds çfriQyLo:i fn;s tk jgs csgrj ykHkdkjh ewY;ksa eqvkotk jkf'k ds dkj.k] ,d cM+s miHkksDrk oxZ ds :i esa mHkjk gSA

ns'k esa baizQkLVªDpj ifj;kstukvksa esa rsth o vc rd BIi@LFkfxr ifj;kstukvksa dks eatwjh@Lohd`fr dk vFkZO;oLFkk esa laiw.kZ O;olk; o`f¼ esa pØh; çHkko gksus ds dkj.k buesa o`f¼ pØ dks vkSj xfr çnku djus dh {kerk fufgr gSA ljdkj }kjk ^^esd bu bafM;k**] ^^LVSaM&vi bafM;k ** o vU; lekukUrj uoksUes"kh ç;klksa@vfHk;kuksa ds vkØked çpkj@çlkj rFkk orZeku ctV esa baizQkLVªDpj esa fuos'k dks vf/d çksRlkgu ls vkSj vf/d ?kjsyw o fons'kh fuos'k vkus dh laHkkouk,a çcy gSaA

;|fi cSadksa] fo'ks"kdj lkoZtfud {ks=k ds cSadks] ds fy, dbZ volj gS] rFkkfi ykHkçnrk ij ncko] vkfLr xq.koÙkk esa fxjkoV rFkk c<+rh gqbZ çfrLi/kZ ds :i esa varfuZfgr pqukSfr;k¡ Hkh gS tks fd ekftZu de dj jgh gSaA cSadksa dks u dsoy miyC/

lalk/kuksa dk loZJs"B mi;ksx djrs gq, bu pqukSfr;ksa dk MV dj eqdkcyk djus ds fy, rS;kj gksuk gksxk] vfirq lkFk gh vkxs cus jgus ds fy, lrr o fuckZ/ :i ls uoksUes"ku] uoç;ksx o uofparu djrs jguk gksxkA

y?kq cSadksa (Small Bank) rFkk Hkqxrku cSadksa (Payment Bank) oxZ esa u, cSad Hkh foÙkh; o"kZ 2016&17 esa viuk ifjpkyu çkjEHk dj nsaxsA ;|fi ;s cSafdax lsokvksa dks vkSj vf/d foLrkfjr djus esa lgk;d gksaxs] rFkkfi ;s orZeku fo|eku cSadksa ls Hkh Li/kZ djsaxsA ncko ds ekStwnk nkSj esa] ;s cSad viuk ifjpkyu ,d lkiQ lqFkjs rqyu i=k ij çkjEHk djsaxs vkSj bl çdkj vU; cSadksa] ftUgsa O;olk; ds lkFk&lkFk vkfLr xq.koÙkk] olwyh vkfn ij è;ku dsfUær djuk gS] dh vis{kk O;olk; o`f¼ ij è;ku dsfUær djsaxsA

ncko o fuokj.k

cSafdax {ks=k ds fy, 2015&16 ncko ls ifjiw.kZ ,d vkSj o"kZ FkkA xSj fu"ikfnr vkfLr;ka (,uih,) c<+dj `4 yk[k djksM+ gks x,] tcfd cSadksa dh nckoxzLr vkfLr;ka `8 yk[k djksM+ dks ikj dj xbZA Hkkjrh; fjtoZ cSad }kjk 2017 rd cSadksa ds rqyui=kksa ij cus gq, ncko dks iw.kZr;k nwj djus ds earO; dks O;Dr djrh ?kks"k.kkvksa o blds mijkar vkfLr xq.koÙkk leh{kk (AQR) lwph us cSadksa ij ncko vkSj c<+k fn;kA foÙkh; o"kZ 2015&16 esa cSafdax m|ksx us lokZf/d nckoxzLr vfxze vuqikr ntZ fd;kA m|ksx ds ik¡p çeq[k mi&{ks=kksa ;Fkk [kuu] ykSg ,oa bLikr] oL=k] baizQkLVªDpj o foekuu] ftudk fd lesfdr :i ls vuqlwfpr okf.kfT;d cSadksa (SCBs) ds dqy vfxzeksa esa 24-2% dk va'knku Fkk] us dqy nckoxzLr vfxzeksa esa 53% dk ;ksxnku fn;kA d`f"k [kaM esa Hkh dbZ jkT;ksa esa lw[ks rFkk vksyko`f"V dh fLFkfr ds dkj.k foxr nks o"kksaZ ls yxkrkj nckoxzLr ifjn`'; cuk gqvk gSA bldk d`"kdksa dh iquZHkqxrku {kerk ij] fo'ks"kdj çHkkfor jkT;ksa esa] çfrdwy çHkko iM+k gS ftlds

ifj.kkeLo:i bl {ks=k esa ncko c<+ x;k gSA

rFkkfi] dsaæ ljdkj us baizQkLVªDpj xfrjks/ksa] BIi iM+h@#dh gqbZ ifj;kstukvksa dh Rofjr Lohd`fr rFkk fuekZ.k m|ksxksa vkfn dks çksRlkgu nsus dh fn'kk esa dbZ dne mBk,¡ gSaA ljdkj }kjk mBk, x, bu dneksa@uoksUes"kh ç;klksa esa lkoZtfud {ks=k cSadksa dh uolTtk@ o uon`f"Vdks.k dks dsfUær djrh gqbZ lkr lw=kh; ;kstuk ^^baæ/uq"k** lfEefyr gS] ftldk y{; Hkh cSafdax ncko dks de djuk] vkfLr xq.koÙkk ds lq/kj gsrq fopkj cukuk] dsaæ lapkfyr cSadksa esa iwath çnÙk djus rFkk cSadksa dks ekStwnk o Hkkoh dfBukbZ;ksa vkfn ds fy, rS;kj djuk gSA bu ljdkjh ç;klksa ls u dsoy cSadksa dks lacy o lg;ksx feyus cfYd lkFk gh m|ksxksa dks ladV ls ckgj fudyus vkSj Hkkoh fodkl dk jksMeSi rS;kj fd, tkus dh vk'kk cuh gS tks fd mrjksÙkj ns'k dks vf/d o`f¼ nj çkIr djus esa lgk;d gksaxsA cSad l?ku olwyh ç;klksa] O;kolkf;d n`f"V ls mikns;@ ykHkçn o rdZlaxr ifj;kstukvksa dks foÙkh; lg;ksx çnku djus o nckoxzLr vkfLr;ksa ds laca/ esa gj ekeys ds xq.koÙkkiw.kZ foospu@leh{kk mijkar mi;qDr ik;s tkus dh n'kk esa mls vkfLr iquZlajpuk daifu;ksa (ARCs) dks csps tkus tSls lesfdr o lexz dneksa }kjk ncko Lrj dks de fd, tkus dh fn'kk esa lrr ç;kljr gSaA blds vfrfjDr cSad m|ksxksa ds fodkl o o`f¼ ls tqM+h ljdkjh ;kstukvksa o ç;klksa dks iw.kZ lg;ksx o leFkZu çnku dj jgs gSaA

jktLFkku vFkZO;oLFkk

jktLFkku {ks=kiQy dh n`f"V ls Hkkjr dk lcls cM+k jkT; gS tgka tSfod rFkk lafonk [ksrh ds {ks=kksa esa o lkFk gh d`f"k ls tqM+h ifj;kstukvksa ds laca/ esa foiqy volj miyC/ gSaA jktLFkku çkd`frd

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as a big consumer class, owing to increased farm mechanisation and better remunerative prices for agricultural produce as also compensation in lieu of land acquisition.

The rise in the infrastructure projects and clearance of stalled projects in the country has the ability to spur the growth cycle by way of multiplier effect on overall business growth in the economy. The “Make in India” campaign, “Stand-up India” and other similar initiatives being aggressively pursued by the Government and increased investment in infrastructure in the current budget is likely to bring in further domestic and overseas investment in this sector.

While there are many opportunities for the banks, especially the public sector ones in the form of latest government initiatives, there are some inherent threats as well in the form of pressure on profitability, decline in asset quality and increasing competition, which is driving down the margins. The banks have not only to get themselves out of the current situation and try to make the best out of the available resources, but also to consistently improvise, invent and innovate for staying ahead of their peers.

The new banks in the Small Bank & Payment Bank category will also start their operation in FY-2016-17. Though they will help further deepen the banking services, they will also give competition to the already existing banks. In the time of stress, these banks will start their operations on a clean balance sheet and would, thus, be focusing on business growth as compared to others who have to focus on

maintaining asset quality, recovery etc along with business.

STRESS AND MITIGATION

The year 2015-16 was another year of stress for banking sector. The NPAs increased to `4 lakh crore, while the stressed assets of the banks crossed `8 lakh crore. The announcements of RBI intending to clearing the stress on balance sheet of the banks by 2017 and the consequent AQR list further increased the pressure on the banks. In the fiscal 2015-16, banking industry continued to record the highest stressed advances ratio. The five main sub-sectors of the industry viz, mining, iron & steel, textiles, infrastructure and aviation, which together constituted 24.2% of the total advances of SCBs contributed to 53% of the total stressed advances. Agriculture segment is also witnessing stressed scenario continuously for last two years due to drought and hailstorm situation in many of the states. This has adversely affected the repayment capacity of the farmers resulting in stress in this sector, particularly in the affected states.

However, various measures have been taken by the Central Government towards removing of infrastructure bottlenecks, clearing of stalled projects, giving boost to the manufacturing industries etc. Many of the initiatives of the Government like, “Indradhanush”, the seven pronged plan to revamp Public Sector Banks, also aims at reducing the banking stress, forming opinion on improving asset quality, infusing capital in the state run banks, preparing the banks to face the ongoing as well as future problems etc. These government

initiatives are expected to not only support the banks but also pull the industries out of the distress and provide a road map for further development helping the nation achieve a high growth rate scenario. Banks are also working profusely towards reducing stress level by strong recovery efforts, providing support for genuine projects and by selling of stressed assets to ARCs on the case to case basis. Besides this, the banks are giving full support to the government schemes and initiatives for growth of the industry.

RAJASTHAN ECONOMY

Rajasthan is the largest state in India in terms of area having tremendous opportunities in the areas of organic and contract farming as well as infrastructure developments related to agriculture. Rajasthan is richly endowed with natural resources, making it an attractive investment destination for extraction activities, as well as mineral-based manufacturing such as cement, ceramics and glass. Rajasthan accounts for 17.5% of the total cement grade limestone reserves in India and is the largest cement producer with 21 major cement plants. Rajasthan is the leading producer of limestone, silver, marble, sandstone and lignite. It is also second largest producer of the milk in India.

Rajasthan has emerged as an investment destination with 23% of the NCR area and 39% of Delhi-Mumbai Industrial Corridor falling in the state. With the area of industrial zone increasing and more industries being established in the areas like, Neemrana, Gheelot, Khushkhera etc, the state is on the road to become major industrial

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lalk/uks ds laca/ esa vR;f/d laiUu gS] tks fd bls [kuu vk/kfjr xfrfof/;ksa o lkFk gh [kfut vk/kfjr fuekZ.k ;Fkk lhesaV] fljsfed o Xykl ds laca/ esa ,d vkd"kZd fuos'k xarO; ds :i esa ifjHkkf"kr djrs gSaA jktLFkku dk Hkkjr ds dqy lhesaV oxZ pwukiRFkj HkaMkjksa esa 17-5% dk va'knku gS rFkk 21 çeq[k lhesaV la;a=kks ds lkFk ns'k dk lcls cM+k lhesaV mRiknd gSA jktLFkku pwukiRFkj] pkanh] laxejej] ckyw rFkk fyXukbZV dk çeq[k mRiknd gSA ;g Hkkjr dk nwljk lcls cM+k nqX/ mRiknd jkT; Hkh gSA

jk"Vªh; jkt/kkuh {ks=k (,ulhvkj) dk 23% {ks=k rFkk fnYyh&eqacbZ vkS|ksfxd dksfjMksj ds 39% {ks=k dk jkT; esa vkus@iM+us ds dkj.k jktLFkku ,d fuos'k dsaæ ds :i esa mHkj pqdk gSA vkS|ksfxd t+ksuksa ds {ks=k esa foLrkj ls rFkk uhejkuk] ?khyksr] [kq'k[ksjk vkfn {ks=kksa esa vf/dkf/d m|ksxksa dh LFkkiuk fd, tkus ds iQyLo:i jkT; ns'k dk ,d çeq[k vkS|ksfxd gc cuus ds iFk ij vxzlj gSA jktLFkku lkFk gh vFkZO;oLFkk esa LVkVZvIl (startups) ds egRo o Hkwfedk dks çeq[krk ls n'kkZrh@çfrikfnr djrh ,d LVkVZvi uhfr dh ?kks"k.kk djus okyk ik¡pok¡ jkT; cu x;k gSA jktLFkku LVkVZvi uhfr 2015 fnukad 09 vDrwcj 2015 ls çHkko esa vkbZ gS rFkk uoksUes"kh LVkVZvIl dks dsfUær dj bUgsa leFkZu o mn~Hkou çnku djrs gq, ik¡p o"kZ rd çHkkoh jgsxh A

jktLFkku dk ldy jkT; ?kjsyw mRikn (GSDP) 2004&05 ds lkis{k 2014&15 esa 12-8% dh pØh; okf"kZd o`f¼ nj (CAGR) ls c<+k gSA 2014&15 ds orZeku ewY;ksa ij jktLFkku dh GSDP dk Lrj 11% gSA jkT; esa iou ÅtkZ o uohdj.kh; ÅtkZ L=kksrksa }kjk fo|qr mRiknu dh foiqy laHkkouk,a gSaA jktLFkku uohdj.kh; ÅtkZ fuxe fyfeVsM us lkSj ÅtkZ rFkk tSoHkkj (biomass) ifj;kstukvks dks lfØ; :i ls çksRlkfgr fd;k gSA

tuojh 2016 ds var esa jktLFkku ds ikl dqy 17784 esxkokV fo|qr mRiknu laLFkkfir {kerk FkhA jktLFkku us xSj ikjaifjd ÅtkZ L=kksrksa] fo'ks"kdj lkSj ÅtkZ] ds fodkl dks c<+kok nsus o rnuqlkj ikjaifjd ÅtkZ L=kksrksa ij fuHkZjrk de djus ds mís'; ls lkSj ÅtkZ uhfr Hkh ykxw dh gSA

gky gh esa jktLFkku ljdkj us fo'ks"k fuos'k vapyksa dh ekLVj o fodkl ;kstuk,¡ cuk dj vkS|ksfxd fuos'k dks rnuqlkj xfr çnku djus gsrq ,d vè;kns'k vuqeksfnr fd;k gSA ljdkj }kjk fd, x, fofo/ ç;kl ;Fkk LVkVZvi uhfr] ^^esd bu bafM;k** ;kstuk] y?kq o eè;e m|ksxksa ds fy, ,e,l,ebZ uhfr] çeq[k {ks=kksa dh daifu;ksa ds lkFk vk;ksftr fjltsaZV jktLFkku lEesyu@ laxks"Bh us jkT; ds laiw.kZ fuos'k o vkfFkZd ifjn`'; dks vkSj Å¡pkbZ;k¡ çnku dh gSaA

fuxfer ifjpkyu

O;olk; fu"iknu

cSad dk lexz O;olk; (tek,¡ ,oa ldy vfxze) ekpZ] 2015 ds `155392 djksM+ ds Lrj esa `13356 djksM+ (8-59%) dh o`f¼ n'kkZrs gq, ekpZ] 2016 dh lekfIr ij `168748 djksM+ ds Lrj ij igqap x;kA ekpZ] 2016 dks lekIr vof/ ds nkSjku dqy tek,¡ `9766 djksM+ (11-59%) dh o`f¼ ntZ djrs gq, `94005 djksM+ ds Lrj ij igq¡p xbZa tcfd ldy vfxze `3590 djksM+ (5-05%) dh o`f¼ ntZ djrs gq, 74743 djksM+ ds Lrj ij igqap x,A tgka cSad ds tekvksa dh ykxr 2014&15 ds 7-01% ls ?kVdj 2015&16 esa 6-76% gks xbZ] ogha vfxzeksa ij çfriQy Hkh 10-98% ls ?kVdj 10-70% gks x;kA pkyw o cpr [kkrk (dklk) tekvksa us 11-17% dh o`f¼ ntZ dh fdUrq dklk vuqikr ekpZ*15 ds 38-85% ds lkis{k 38-70% jgkA

dks"k o fuos'k

Hkkjrh; fjtoZ cSad us foÙkh; o"kZ 2015&16 dh vius ekSfæd uhfr n`f"Vdks.k esa eqækLiQhfr ds fu;a=k.k ij è;ku dsafær fd;k] tks fd ç{ksi.k ds vuq:i jghA foÙkh; o"kZ 2015&16 esa foÙkh; ?kkVk dks 3-9% ij lhfer j[kk x;kA miHkksDrk ewY; lwpdkad dks fu;a=k.k esa j[krs gq, Hkkjrh; fjtoZ cSad us uhfrxr jsiks nj] tks o"kZ ds çkjEHk esa 8% Fkh] esa pj.kc¼ :i ls o iwjs o"kZ ds nkSjku dqy 125 vk/kj vadksa dh lexz dVkSrh djrs gq, bls o"kZ ds var rd 6-75% dj fn;kA ,slk fd, tkus ls fnlacj 2015 esa vesfjdh iQsMjy njksa esa 25 vk/kj vadksa dh o`f¼ ds mijkar Hkh ?kjsyw C;kt njksa dks fu;a=k.k esa j[kus esa enn feyhA

Hkkjrh; ckWUM] bfDoVh vkSj fons'kh eqæk cktkj] ?kjsyw vkfFkZd fLFkfr ds foijhr] oSf'od dkj.kksa ls vf/d çHkkfor jgkA ;wjksfi;u ;wfu;u dh enn ls vkfFkZd ladV ls ckgj fudkys tkus ls iwoZ xzhl dk varjZk"Vªh; eqæk dks"k ds ½.k pqdkSrh esa pwd] dPps rsy dh dherksa esa fujarj fxjkoV vkSj phuh vFkZO;oLFkk esa vkbZ eanh us oSf'od eanh dks bafxr fd;kA Hkkjr esa] laçHkq 10 o"khZ; ckWUM nj] tks o"kZ ds çkjEHk esa 7-74% Fkh] o"kZ ds lekiu rd 7-46% ij vk x;h tcfd phuh vFkZO;oLFkk esa vkbZ eanh ds vkyksd esa bfDoVh cktkj esa o"kZ ds nkSjku çeq[k lwpdkadksa ;Fkk ch,lbZ lsalsDl esa 9-35% vkSj ,u,lbZ ds fuÝVh50 esa 8-87% rd Hkkjh fxjkoV ns[kh x;hA

cSad us ckWUM vkSj 'ks;j cktkj esa Ø;&foØ; esa lrdZ #[k viuk;k vkSj 31 ekpZ 2016 dks cSad dk fuos'k iksVZiQksfy;ks `2643-75 djksM+ (11-94%) dh o`f¼ n'kkZrs gq, `24782-37 djksM+ gks x;kA tgk¡ fuos'k ls dqy vk; 10-52% dh o`f¼ n'kkZrs gq, `2186-41 djksM+ gks xbZ] ogha fuos'k dh fcØh@ fofue; ls ykHk `54-01 djksM+ (35-06%) dh o`f¼ n'kkZrs

14 1514 1514 15

hub in the country. Rajasthan has also become the fifth state to unveil a Startup Policy, highlighting the importance and role of start ups in the economy. The Rajasthan Startup Policy 2015 came into force w.e.f. 09th Oct’15 and will remain in operation for a period of five years targeting innovative startups to grow in the state through support and incubation.

The gross state domestic product (GSDP) of Rajasthan expanded at a compound annual growth rate (CAGR) of 12.8% over 2004-05 to 2014-15. At current prices 2014-15, GSDP of Rajasthan stands at 11%. The state has immense potential for electricity generation through renewable energy sources and wind power. As of January 2016, Rajasthan had a total installed power generation capacity of 17,784 megawatt (MW). Rajasthan has also introduced Solar Energy Policy to reduce dependence on conventional sources of energy by promoting the development of non-conventional energy sources, especially solar power.

Recently, Rajasthan Government approved a bill to accelerate industrial investment by preparing master and development plans in special investment regions. Government initiatives like implementing Startup Policy, Make in India Scheme, MSME Policy for small and medium industries, Resurgent Rajasthan Conclave has uplifted the overall investment and economic scenario of the state.

CORPORATE OPERATIONSBUSINESS PERFORMANCE

The overall business of the Bank (deposits plus gross advances) reached a level of `168748 crore

as at end-March 2016 as against `155392 crore as at end March 2015, recording a growth of 13356 crore (8.59%). The total deposits increased by `9766 crore (11.59%) to reach a level of `94005 crore while gross advances increased by `3590 crore (5.05%) to reach a level of `74743 crore by end-March 2016. The cost of deposits of the Bank decreased from 7.01% in 2014-15 to 6.76% in 2015-16, while the yield on advances also decreased from 10.98% to 10.70%. CASA deposits recorded a growth of 11.17% but the CASA ratio was at 38.70% as compared to 38.85% as at Mar’15.

TREASURY AND INVESTMENTS

In its monetary policy stance for the financial year 2015-16, Reserve Bank of India had focused in containing the inflation which remained in line with the projections. Fiscal deficit was contained at 3.9% for FY2015-16. With CPI under control, Reserve Bank of India cut the policy repo rate in phases from 8% at the beginning of the year to 6.75% by the year-end, a reduction of 125 bps during the year. This helped in keeping the domestic interest rates under control despite a 25 basis points hike in US Federal rates in December 2015.

More than the domestic economic

conditions, Indian bond, equity and forex markets were influenced by global considerations. While Greece economic crisis saw it defaulting in debt repayment to IMF before being bailed out by European Union, continuous fall in crude prices and slowdown in Chinese economy all pointed out to recessionary trends globally. In India, sovereign 10-year bond which was at 7.74% in the beginning of the year ended at 7.46% by the year end but the equity market was hit badly with fall in major indices, BSE Sensex by 9.35% and NSE Nifty50 by 8.87% during the year.

The Bank adopted a cautious approach in trading in bond and equity market and as at 31st March 2016, Bank’s investment portfolio rose by `2643.75 crore to `24782.37 crore reflecting a growth of 11.94 %. While the total income from investments grew by 10.52% to `2186.41 crore, profit from trading/sale of investment rose by `54.01 crore to `208.03 crore, registering an increase of 35.06%. The yield on investments stood at 7.71 % and after including trading profit, total return on investments stood at 8.53% for the year.

FINANCIAL HIGHLIGHTSNET INTEREST INCOME

The Bank’s total interest income increased from `9005.45 crore

16 1716 1716 17

gq, `208-03 djksM+ gks x;kA fuos'k ij çfriQy 7-71% jgk rFkk Ø;&foØ; ykHk dks lekfgr djrs gq, o"kZ ds nkSjku fuos'k ij dqy çfriQy 8-53% jgkA

fof'k"V foÙkh; rF;

fuoy C;kt vk;

cSad dh dqy C;kt vk; o"kZ 2014&15 ds `9005-45 djksM+ ls c<dj o 6-52% dh o`f¼ ntZ djrs gq, o"kZ 2015&16 esa `9592-47 djksM+ gks xbZA C;kt O;; xr o"kZ ds 6064-02 djksM+ ds lkis{k 3-70% c<dj `6288-13 djksM+ gks x;kA fuoy C;kt vk; o"kZ 2014&15 ds `2941-43 djksM+ esa 12-34% dh o`f¼ ntZ djrs gq, `3304-34 djksM+ gks xbZA fuoy C;kt ekftZu (NIM) ekpZ 2016 ds var esa 3-47% jgkA

xSj C;kt vk;

cSad dh xSj C;kt vk; 14-10% dh o`f¼ ntZ djrs gq, 2014&15 ds `926-39 djksM+ ls c<+dj 2015&16 esa `1057-05 djksM+ gks x;hA xr o"kZ dh rqyuk esa orZeku o"kZ esa o`f¼ dk çeq[k dkj.k vU; deh'ku esa `131-77 djksM+ dh o`f¼ rFkk fuos'k ds foØ; ij vftZr ykHk esa `54-02 djksM+ dh o`f¼ jgh gSA

ifjpkyu O;;

ifjpkyu O;; 2014&15 ds `1763-71 djksM+ esa 16-59% dh o`f¼ ntZ djrs gq, 2015&16 esa `2056-36 djksM+ gks x,A buesa ls tgka deZpkjh O;; 19-26% c<+dj `904-00 djksM+ gks x, ogha vU;

ifjpkyu O;; 23-92% c<+dj `930-37 djksM+ gks x,A

ykHk

2015&16 ds nkSjku ifjpkyu ykHk xr o"kZ ds `2104-11 djksM+ esa 9-55% dh o`f¼ n'kkZrs gq, `2305-03 djksM+ gks x;kA fuoy ykHk Hkh 9-49% dh o`f¼ n'kkZrs gq, 2014&15 ds `776-87 djksM+ ls c<dj 2015&16 esa `850-60 djksM+ gks x;kA

ykHkka'k

cSad }kjk o"kZ 2015&16 esa 143% dk ykHkka'k vFkkZr `14-30 çfr bZfDoVh 'ks;j ('ks;j dk vafdr ewY; `10 çfr 'ks;j) ?kksf"kr fd;k x;kA 'ks;j /kjdksa dh ykHkka'k ik=krk Kkr djus gsrq] va'kèkkjdksa dk jftLVj fnukad 07-05-2016 ls 11-05-2016 (nksuksa fnu lfEefyr) cUn jgsxkA

eq[; foÙkh; ladsrd

vkfLr;ksa ij vftZr çfriQy xr o"kZ ds 0-84% ds fo:¼ 2015&16 esa 0-83% gks x;kA ekpZ 2016 ds var esa bfDoVh ij çfriQy 12-61% jgkA çfr va'k vk; o"kZ 2014&15 ds `110-98 ls c<dj 2015&16 es `121-51 gks x;h] tcfd çfr va'k iqLrd ewY; o"kZ 2014&15 ds `858-95 ls c<dj 2015&16 esa 963-26 gks x;kA ekpZ 2016 dks lekIr vof/ ds nkSjku cSad dk cklsy&AA o cklsy&AAA ekunaMks ds vuqlkj iwath i;kZIrrk vuqikr

Øe'k% 11-33% rFkk 11-06% jgk tks fd ekpZ 2015 dks lekIr vof/ ds nkSjku cklsy&AA o cklsy&AAA ds vuqlkj Øe'k% 11-69% rFkk 11-57% FkkA ;g Hkkjrh; fjtoZ cSad }kjk fu/kZfjr 9-625% ds ekunaM ls vf/d gSA vkS|ksfxd {ks=k esa fujarj ncko ds iQyLo:i xSj fu"ikfnr vkfLr;ksa es o`f¼ ds dkj.k cSad dk ldy xSj fu"ikfnr vkfLr (,uih,) vuqikr ,oa fuoy xSj fu"ikfnr vkfLr (,uih,) vuqikr ekpZ 2015 ds Øe'k% 4-14% o 2-54% ls c<dj ekpZ 2016 ds var esa Øe'k% 4-82% o 2-75% gks x;kA çfr deZpkjh vkSlr O;olk; xr o"kZ ds `11-00 djksM+ ls c<+dj o"kZ 2015&16 ds nkSjku `12-15 djksM+ gks x;kA çfr deZpkjh fuoy ykHk o"kZ 2014&15 ds `6-02 yk[k ls c<+dj o"kZ 2015&16 esa `6-60 yk[k gks x;kA çfr 'kk[kk vkSlr O;olk; fiNys o"kZ ds 123-22 djksM+ ls c<dj o"kZ 2015&16 esa `128-23 djksM+ gks x;kA

lk[k çca/u

vFkZO;oLFkk esa lexz f'kfFkyrk o rnuqlkj fuos'k xfrfof/ ds Lrj esa deh o ldy ?kjsyw mRikn (thMhih) o`f¼ ifjf/ 7-4% ls uhps cus jgus ds dkj.k foÙkh; o"kZ 2015&16 ds nkSjku lexz lk[k ekax ean cuh jghA rFkkfi cSad us xq.koÙkkiw.kZ lk[k o`f¼ vkSj nzqr xfr ls lk[k iznku djus ij viuk è;ku dsfUær j[kkA 2014&15 esa 8-91% dh o`f¼ ds fo#¼ cSad ds dqy vfxzeksa es 2015&16 ds nkSjku 5-05% dh o`f¼ jghA

foÙkh; o"kZ 2015&16 ds nkSjku cSad ds okf.kfT;d ,oa laLFkkxr (lh ,aM vkbZ) [k.M ds vfxze ([kk| lk[k ds vfrfjDr) 6-96% dh fxjkoV ntZ djrs gq, foÙkh; o"kZ 2014&15 ds fo#¼ `2520 djksM+ ?kVs] ogha xSj&okf.kfT;d ,oa laLFkkxr [k.M ftlesa oS;fDrd] y?kq O;olk; rFkk d`f"k

16 1716 1716 17

during 2014-15 to `9592.47 crore during 2015-16, recording a growth of 6.52%. Interest expenditure increased by 3.70% to `6288.13 crore, as against `6064.02 crore in the previous year. The net interest income recorded a growth of 12.34% to `3304.34 crore, as against 2941.43 crore in 2014-15. The net interest margin (NIM) stood at 3.47% at the end of March 2016.

NON INTEREST INCOME

The non-interest income of the Bank has increased by 14.10% from `926.39 crore of 2014-15 to `1057.05 crore during 2015-16. The increase during the year as compared to the last year is mainly on account of increase in other commission by `131.77 crores and profit on sale of Investment by `54.02 crore.

OPERATING EXPENSES

The operating expenses of the Bank has increased by 16.59% from `1763.71 crore in 2014-15 to `2056.36 crore during 2015-16. Of this, employee costs increased by 19.26% to `904.00 crore, while total other operating expenditure increased by 23.92% to `930.37 crore.

PROFIT

During 2015-16, the operating profit increased to `2305.03 crore (by 9.55%) as against `2104.11

crore in the previous year. The net profit also recorded a growth of 9.49% from 776.87 crore in 2014-15 to `850.60 crore in 2015-16.

DIVIDEND

For the year 2015-16, the Bank declared Dividend of 143% i.e. `14.30 per equity share (face value of `10/- per share). For ascertainment of entitlement of shareholders for Dividend, shareholders register will be closed from 07.05.2016 to 11.05.2016 (both days inclusive).

KEY FINANCIAL INDICATORS

The return on assets of the Bank stood at 0.83% during 2015-16 as against 0.84% in the previous year. The return on equity (ROE) stood at 12.61% at the end of March, 2016. The earnings per share increased from `110.98 in 2014-15 to `121.51 in 2015-16, while the book value per share improved from `858.95 in 2014-15 to `963.26 in 2015-16. As at end-March 2016, the capital adequacy ratio of the Bank stood at 11.33% and 11.06% as per Basel-II and Basel III norms respectively, as against 11.69% and 11.57% as per Basel-II and Basel III norms respectively, as at end-March 2015. This was well above the RBI benchmark of 9.625%. Due to rise in NPAs on account of continued stress faced by the industrial sector, the Bank’s Gross NPA ratio and Net NPA ratio increased from 4.14% and 2.54% as at end-March 2015 to 4.82% and 2.75% respectively, as at end-March 2016. The average business per employee increased to `12.15 crores during 2015-16 as against `11.00 crores in the previous year. The net profit per employee improved to `6.60 lakh during

2015-16, compared to `6.02 lakh during 2014-15. The average business per branch increased to `128.23 crore during 2015-16, as against `123.22 crore in the previous year.

CREDIT MANAGEMENT

The overall credit demand remained muted during the FY 2015-16 with GDP growth in sub 7.4% range due to overall slowdown in the economy leading to lower level of investment activity. However, the Bank continued to focus on qualitative credit growth and faster credit delivery. Total advances of the Bank grew by 5.05% during 2015-16, as against growth of 8.91% during 2014-15.

The Bank’s Commercial & Institutional (C&I) segment advances (other than food credit) during the FY 2015-16 reduced by 6.96% with a decrease of `2520 crore over FY 2014-15, whereas non C&I segment comprising personal, small business and agricultural advances grew by `6109.61 crore (17.48%).

In the backdrop of stress in the various segments of the industry, the impetus of financing remained mainly towards top rated PSUs and other sectors such as Real Estate (RH), textiles and NBFCs etc.

In view of the prevailing competitive

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[k.M 'kkfey gS] esa `6109-61 djksM+ (17-48%) dh o`f¼ gqbZA

m|ksx ds fofHkUu [kaMksa esa O;kIr ncko ds eísutj] foÙk iks"k.k gsrq mPp nj fu/kZfjr lkoZtfud {ks=k dh bdkb;ksa ;Fkk fj;y LVsV (RH)] VsDlVkbYl rFkk xSj&cSafdax okf.kfT;d bdkb;ksa (NBFCs) vkfn ij vf/d cy jgkA

orZeku çfrLi/kZRed rFkk nckoxzLr cktkj ifjn`'; ds vkyksd esa 'kh"kZ çca/u }kjk vfr egRoiw.kZ xzkgdksa ds lkFk ns'k ds çeq[k dsUæksa ij fd, x, xgu laokn o fu;fer laidZ ds iQyLo:i dbZ vPNs xq.koÙkkiw.kZ vfxze çLrko çkIr djus esa liQyrk feyhA

oS;fDrd cSafdax

oS;fDrd cSafdax [k.M foÙkh; o"kZ 2016 ds nkSjku cSad dk fo'ks"k dsUæ fcUnq cuk jgkA cSad us vkfLr o lkFk gh ns;rkvksa i{k ij fo'ks"k è;ku nsrs gq, o lkFk gh xzkgd larqf"V esa lq/kj ykrs gq, vius fjVsy iksVZiQksfy;ks dks vkSj lqn`<+ fd;kA ns;rkvksa i{k varxZr fjVsy dklk (CASA) esa vf/dkf/d O;olk; va'k

vftZr djus ij fo'ks"k è;ku dsfUær jgkA cSad }kjk vius orZeku xzkgdksa ls lEcU/ksa dks u dsoy lqn`<+ vfirq vkSj ÅtkZoku cukus o mrjksÙkj dklk tekvksa dks lq/kjus dh fn'kk esa o"kZ ds nkSjku dbZ u, ç;ksx@ ç;kl fd, x,A o"kZ 2015&16 esa cSad us vius fjVsy O;olk; ifjpkyu eas vR;ar l'kDr o`f¼ ntZ dh gSA

u, xzkgd tksM+us ij fo'ks"k è;ku fn;k tkrk jgk ftlds ifj.kkeLo:i o"kZ ds nkSjku 30-01 yk[k u, dklk [kkrs [kksys x, o rnuqlkj xzkgd vk/kj esa o`f¼ gqbZA

oS;fDrd [kaM vfxze varxZr cSad us cktkj dh vis{kkvksa ds vuq:i vius mRiknksa rFkk lsok dks vkSj vf/d Rofjr o vkd"kZd cuk, j[kus esa çfrc¼rk cuk, j[khA vius ½.k i{k dks vkSj vf/d larqfyr cuk, j[kus ds mís'; ls cSad us fjVsy O;olk; ij vf/d è;ku dsfUær fd;kA bl mís'; dh iwfrZ o vius mRiknksa dks vf/d vkd"kZd cukus gsrq cSad us fo'ks"k ç;kl o fofo/ ç;ksx fd,A vkokl ½.k varxZr ubZ ;kstuk,a ;Fkk ogu;ksX; vkokl ½.k (affordable housing loans) vkSj SBBJ Trust ykbZ xbZA is'kau ½.k vkSj f'k{kk ½.k

;kstukvksa esa vkSj lq/kj ykrs gq, bUgsa nksckjk çkjEHk fd;k x;kA ,lchchts lksyj ½.k ;kstuk] ,lchchts x`gvyadkj o ,lchchts bZth dkj ½.k ;kstuk foÙkh; o"kZ 2015&16 ds nkSjku çkjEHk dh x;h vU; ½.k ;kstuk,a jghaA

d`f"k

d`f"k {ks=k dks vfxze cSad dh çeq[k çkFkfedrkvksa esa ls ,d cuk jgk gSA d`f"k vfxzeksa dk Lrj ekpZ 2015 ds `11927 djksM+ esa 12-34% dh o`f¼ n'kkZrs gq, ekpZ 2016 ds var esa `13399 djksM+ gks x;kA

dqy Ñf"k vfxzeksa esa izR;{k Ñf"k ½.kksa dk fgLlk 83-34% gSA okf"kZd y{; `13748 djksM+ ds fo:¼ leh{kk o"kZ ds nkSjku d`f"k lk[k çokg `12432 djksM+ jgk gS] tks fd 90-42% miyfC/ gSA Hkkjrh; fjtoZ cSad ds 18% ekunaM ds lkis{k gekjs cSad ds d`f"k ½.k lek;ksftr fuoy cSad lk[k (ANBC) dk 22-51% gSA

cSad }kjk leh{kk o"kZ ds nkSjku 102791 fdlku ØsfMV dkMZ (dslhlh) `2651 djksM+ dh Lohd`r lk[k lhek ds lkFk tkjh fd;s x,A ekpZ 2016 ds var esa fdlku ØsfMV dkMZ (dslhlh) dh dqy la[;k 6,00,887 Fkh A

lw{e] y?kq ,oa eè;e m|e (,e,l,ebZ)lw{e] y?kq ,oa eè;e m|e (,e,l,ebZ) {ks=k 5-77 djksM+ bdkb;ksa ds vius o`gn usVodZ] tks fd 8 djksM+ ls vf/d O;fDr;ksa ds fy, jkstxkj l`ftr dj jgk gS] 6000 ls vf/d mRikn fufeZr dj jgk gS ftldk fofuekZ.k mRiknks esa 45% dk rFkk fu;kZr esa yxHkx 40% dk ;ksxnku gS] Hkkjrh; vFkZO;oLFkk dh o`f¼ esa egRo`iw.kZ ;ksxnku ns jgk gSA

cSad vFkZO;oLFkk ds bl çeq[k ?kVd ds fodkl o o`f¼ dks çkFkfedrk ns jgk gSA 31 ekpZ 2016 dks cSad dk lw{e y?kq ,oa eè;e m|e (,e,l,ebZ) {ks=k dks çnÙk dqy vfxze `13178 djksM+ Fkk tks fd

Hkkjrh; lw{e] y?kq ,oa eè;e bdkbZ pSacj (lhvkbZ,e,l,ebZ) }kjk ^^mHkjrs cSadks gsrq loZJs"B ,e,l,ebZ cSad vokMZ** varxZr mifotsrk iqjLdkj

Runner –Up under the “Best MSME Bank Award for Emerging Bank” by Chamber of Indian Micro, Small

and Medium Enterprises (CIMSME)

18 1918 1918 19

and stretched market scenario, closer interaction and regular meetings by the Top Management with high value customers were held at major centers in the country which resulted in booking several good advances.

PERSONAL BANKING

Personal Banking Segment continued to be the thrust area of the Bank in FY’16. Bank strengthened its retail portfolio by placing special emphasis both on asset as well as on the liability side and also improved customer satisfaction. On the liability side focus was placed on garnering higher share of retail CASA. A number of initiatives were undertaken during the year for strengthening and reviving the relationship with existing customers for improving CASA deposits. The Bank’s retail operations have recorded a robust growth during the year 2015-16.

Acquisition of new customers continued to remain one of the focus area consequently resulting in increase of customer base with opening of 30.01 lacs new CASA accounts during the year.

In Personal Segment lending, Bank was committed to fine tune the products and service delivery to the market expectations. Bank placed added thrust on retail business to make its loan-book more balanced. To achieve this, Bank introduced special measures to increase the attractiveness of its products. Under Home Loans, new schemes were introduced such as Affordable Housing loans and SBBJ Trust. Pension Loan and Education Loan were re-launched with improvements. SBBJ Solar loan scheme, SBBJ Grih Alankar

and SBBJ Easy Car loan are the other loan schemes introduced during the FY’16.

AGRICULTURE

Lending to agriculture remains one of the major thrust areas of the bank. The outstanding level of agriculture advances increased from `11927 crore as at the end of March 2015 to `13399 crores as at the end of March, 2016 and registered a growth of 12.34%.

Our bank’s total direct agriculture lending is 83.34% of total agriculture advances. The flow of credit in agriculture stood at `12432 crores against the annual target of 13748 crores, i.e. an achievement of 90.42% for the financial year 2015-16. Agriculture advances constitute 22.51% of the (ANBC), against RBI benchmark of 18%.

The bank has issued 102791 Kisan Credit Cards (KCC’s) with sanctioned limit of `2651 crores during the period under review. The total number of KCC’s stood at

6,00,887 as at end of March, 2016.

MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs)

The Micro, Small and Medium Enterprises (MSME) Sector contributes in a big way to the growth of Indian Economy with a vast network of 5.77 crore units, creating employment for more than 8 crore people, manufacturing more than 6000 products, contributing about 45% of manufacturing output and about 40% of exports.

The Bank gives due importance for the growth of this vital segment of the economy. As on 31st March 2016, Bank's total exposure to Micro, Small and Medium Enterprises (MSME) sector is `13178 crore in more than 171000 MSME units. MSME Segment is one of the key growth areas identified by the Bank, which constitutes more than 17.63% of Bank’s total advances. During the year, Bank has sanctioned credit facilities to more than 64900 new MSME units amounting to `3323

,lkspSe }kjk ^^loZJs"B lkekftd cSad** eè;e cSad

oxZ varxZr mifotsrk iqjLdkj

Runner-Up in the “Best Social Bank” category under Medium Bank Class by ASSOCHAM

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171000 ls vf/d ,e,l,ebZ bdkb;ksa dks çnÙk fd;k gqvk gSA lw{e] y?kq ,oa eè;e m|ksx (,e,l,ebZ) [k.M cSad }kjk fpfUgr lexz o`f¼ dk ,d çeq[k {ks=k gS rFkk bldk cSad ds dqy vfxze esa 17-63% ls vf/d dk va'knku gSA leh{kk o"kZ ds nkSjku cSad us 64900 ls vf/d ubZ ,e,l,ebZ bdkb;ksa dks 3323 djksM+ jkf'k dh lk[k lqfo/k çnÙk djokbZ] ftlesa ls ,e,lbZ bdkb;ksa dks çnÙk `10 yk[k rd ds ½.k dh jkf'k `1553 djksM+ FkhA

cSad lhthVh,e,lbZ dh ½.k xkjaVh ;kstuk varxZr ,e,lbZ {ks=k dks `1 djksM rd ds leikf'oZd çfrHkwfr eqDr ½.k miyC/ djok jgk gSA bl xkjaVh ;kstuk varxZr ik=k ,e,lbZ [kkrksa esa `100 yk[k rd dh lk[k lhek ij 50 ls 85% xkjaVh doj çnku fd;k tkrk gSA cSad us lhthVh,e,lbZ varxZr foÙkh; o"kZ 2015&16 esa `238 djksM+ ds 7802 [kkrksa dks doj fd;k gSA

çkFkfedrk {ks=k vfxze

Hkkjrh; fjtoZ cSad }kjk fu/kZfjr 40% ds ekun.M ds fo#¼ 31 ekpZ 2016 ds var esa cSad ds çkFkfedrk {ks=k vfxze lek;ksftr fuoy cSad lk[k (ANBC) dk 41-52% FksA vkadM+ksa ds ifjçs{; esa çkFkfedrk {ks=k vfxze ekpZ 2015 dh lekfIr ij `27844 djksM ds fo#¼ `29677 djksM+ FksA Hkkjrh; fjtoZ cSad@ Hkkjr ljdkj ds funsZ'kksa@ uhfr;ksa ds vuq#i vFkZO;oLFkk ds misf{kr {ks=k ds lkfE;d ,oa lrr vkfFkZd fodkl ds fy, çkFkfedrk {ks=k dks vfxze cSad dk çeq[k fparu gSA bl {ks=k dh fof'k"V vko';drkvksa dh iwfrZ gsrq cSad ifjpkyu çkf/dkfj;ksa dks le; le; ij d`f"k] ,e,lbZ] vkokl] f'k{kk fu;kZr lk[k vkfn ij fo'ks"k è;ku fn;s tkus gsrq vfHkçsfjr dj jgk gSA

foÙkh; lekos'ku ;kstuk (FI Plan 2013&16) varxZr çxfr

Hkkjrh; fjtoZ cSad dh foÙkh; lekos'ku

;kstuk (2013&16) vuqlkj cSad }kjk 31-03-2016 rd 2000 ls de dh tula[;k okys 7348 xk¡o doj fd, tkus Fks rFkk bu lHkh xkaoksa dks chlh@'kk[kkvksa }kjk doj dj fy;k x;k gSA fnukad 31-03-2016 rd 490 xzkeh.k 'kk[kk,¡ [kksyus ds y{; ds lkis{k cSad us 508 xzkeh.k 'kk[kk,¡ [kksyh gSaA chlh pSuy ds ekè;e ls 7]50]000 [kkrs [kksyus ds lkis{k 18]47]754 [kkrs [kksys tk pqds gSaA

ç/kuea=kh tu&/u ;kstuk (PMJDY)varxZr çxfr

cSad us ekuuh; ç/kuea=kh }kjk ?kksf"kr ç/kuea=kh tu&/u ;kstuk dks vaxhdkj djrs gq, 35-30 yk[k [kkrs [kksy fn;s gSa] ftuesa ls 17-85 yk[k [kkrs xzkeh.k {ks=kksa esa vkSj 17-45 yk[k [kkrs 'kgjh {ks=kksa esa gSaA bl ;kstuk varxZr 31-03-2016 rd `892-16 djksM+ dk tek laxzg.k gks pqdk gS ,oa 31-36 yk[k #is MsfcV dkMZ tkjh fd, tk pqds gSaA 'kwU; 'ks"k okys [kkrksa dh la[;k 26-95% gSA

cSad }kjk fnukad 31-03-2016 rd 1754 tu&/u [kkrksa esa `54-25 yk[k dk vf/fod"kZ Lohd`r fd;k tk pqdk gS ftldh vf/dre lhek #i;s 5000@& gSA

#is MsfcV dkMZ] tks fd ekLVj dkMZ ;k ohlk MsfcV dkMZ dk Hkkjrh; :ikUrj.k gS o ftlesa `1-00 yk[k dk vkdfLed nq?kZVuk chek varfuZfgr (inbuilt) gS] [kkrk/kjdksa dks miyC/ gSA

ç/kuea=kh lqj{kk chek ;kstuk (PMSBY)@ ç/kuea=kh thou T;ksfr chek ;kstuk (PMJJBY)@ vVy isa'ku ;kstuk (APY) varxZr çxfr

foÙkh; o"kZ ds nkSjku ekuuh; ç/kuea=kh }kjk rhu lkekftd lqj{kk ;kstukvksa ;Fkk ç/kuea=kh lqj{kk chek ;kstuk (PMSBY)] ç/kuea=kh thou T;ksfr chek ;kstuk (PMJJBY) o vVy isa'ku ;kstuk (APY) dk 'kqHkkjaHk fd;k x;kA ,lchchts us PMSBY, PMJJBY o APY varxZr Øe'k% 561362] 168216 ,oa 27414

vkosnu iathd`r fd, gSA 'kk[kkvksa }kjk bu ;kstukvksa esa vf/dre vkosnu iathd`r djus ds fy, fu;fer dSai ,oa ykWfxu fnol dk vk;kstu fd;k x;k gSA PMSBY ,oa PMJJBY esa çkIr nkoksa dk le; ij fuiVku fd;k tkrk gSA fnukad 31-03-2016 rd ,lchchts }kjk PMSBY esa 54 ,oa PMJJBY esa 275 nkoksa dk fuiVku fd;k tk pqdk gSA foÙkh; o"kZ esa ih,iQvkjMh, }kjk vVy isa'ku ;kstuk ds f}rh; pj.k dk;kZUo;u esa ,lchchts dks loZJs"B çn'kZu (lkoZtfud {ks=k cSadksa esa r`rh; LFkku) iqjLdkj çnku fd;k x;k gSA

mi lsok {ks=k (SSA) dojst dh fLFkfr

gekjs cSad dks jktLFkku esa gekjs lsok {ks=k ,oa vU; jkT;ksa esa 1948 mi lsok {ks=k (SSA) vkoafVr fd, x, gSaA bues ls 1935 mi lsok {ks=k (SSA) jktLFkku esa gSaA cSad }kjk lHkh mi lsok {ks=kksa (SSA) dks 'kk[kk,¡ [kksydj vFkok dkWiksZjsV @O;fDrxr ch-lh- yxkdj doj dj fy;k x;k gSA

foÙkh; lk{kjrk

,lchchts ds vxz.kh ftyks eas 9 foÙkh; lk{kjrk o lk[k ijke'kZ dsaæ (FLCC) gS ,oa 31-03-2016 rd 701 ijke'kZ dSaiksa dk vk;kstu fd;k x;k gS ftuesa 63418 O;fDr;ksa dks ijke'kZ fn;k x;k gSA buesa ls 20816 O;fDr cSafdax ç.kkyh ls tqM+ pqds gSa vkSj 11249 O;fDr lk[k lgc¼rk ls ykHkkfUor gq, gSaA gekjh xzkeh.k 'kk[kk,¡ fu;fer :i ls xzkeh.kksa ls feydj foÙkh; lk{kjrk dSai vk;ksftr dj jgh gSaA lHkh ;kstukvksa dk O;kid çpkj@çlkj lqfuf'pr fd;k tkrk gS rFkk bues foÙkh; lk{kjrk lkexzh forfjr dh tkrh gSA

çR;{k ykHk varj.k (DBT / DBTL)

gekjh lHkh 'kk[kk,¡ [kkrksa esa vk/kj lhfMax dk dk;Z ,dy ,oa lkewfgd (bulk) :i ls djus esa leFkZ gSaA çR;{k ykHk varj.k (DBT) ds fy, gekjh ukfer uksMy 'kk[kk

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crore, out of which loans up to `10 lacs given to MSE units are `1553 crore.

Bank is extending collateral free loans up to `1.00 crore to MSE sector under CGTMSE Scheme of Credit Guarantee Trust, which provides 50% to 85% guarantee cover on eligible MSE. Bank has covered 7802 accounts amounting to `238 crore during the FY 2015-16 under CGTMSE.

PRIORITY SECTOR LENDING (PSL)

The Priority Sector Advances of Bank is 41.52% of the Adjusted Net Bank Credit (ANBC) as at the end of 31st March 2016, as against the RBI stipulation of 40%. In value terms priority sector advances stood at `29677 crore as against `27844 crore as at the end of March 2015. In line with RBI /GOI directives/policies, lending to Priority Sector Advances is Bank’s prime concern for equitable and sustainable economic development of the neglected sectors of the economy. To meet the specific need of this sector, Bank is sensitizing the operating functionaries from time to time to give special attention to Agriculture, MSE, Education, Housing, Export Credit etc.

PROGRESS UNDER FI PLAN (2013-16)

As per RBI FIP Plan (2013-16), the Bank was required to cover 7348 villages of population less than 2000 up to 31.03.2016 and all these villages have been covered by BC/ Branches. As against the target of opening of 490 rural branches up to 31.03.2016, the Bank has opened 508 rural branches. 18,47,754 accounts have been opened through BC channel against the

target of 7,50,000.

PROGRESS UNDER PMJDY

The bank took the PMJDY Scheme announced by the Hon'ble Prime Minister in true spirit and 35.30 lac accounts have been opened under PMJDY, out of which 17.85 lac accounts are in rural areas and 17.45 lac accounts are in urban areas. Deposits of `892.16 crore have been mobilised and 31.36 lac RuPay cards have been issued under PMJDY up to 31.03.2016. Percentage of zero balance accounts is 26.95%.

As on 31.03.2016, `54.25 lac in 1754 accounts has been extended by SBBJ to the Jan Dhan account holders in the form of overdraft with maximum limit of `5000/-.

RuPay debit card, the Indian version of Mastercard or Visa debit cards, having inbuilt accidental insurance cover of `1.00 lac is available to account holders.

PROGRESS UNDER PMSBY/PMJJBY/APY

Three social security schemes namely PMSBY, PMJJBY & APY were launched by the Hon'ble Prime Minister during the financial year. SBBJ has registered 5,61,362, 1,68,216 & 27,414 applications in PMSBY, PMJJBY & APY respectively. Branches have organised regular camps & login day to source maximum applications of these schemes. The claims received in PMSBY & PMJJBY are settled timely. Till 31.03.2016, 54 claims in PMSBY & 275 claims in PMJJBY have been settled by SBBJ. During the FY 2015-16, PFRDA has awarded SBBJ as 3rd best performing bank in the PSBs category under APY Phase-II.

STATUS OF SSA COVERAGE

The Bank has been allotted 1948 SSAs (Sub Service Area) in our Service Area in Rajasthan & in other States. Out of this, 1935 SSAs are in Rajasthan. The Bank covered all these SSAs either by opening of Branches or by engagement of Corporate/ Individual BCs.

FINANCIAL LITERACY

The Bank has 9 FLCCs in its Lead District and during the financial year, up to 31.03.2016, 701 counseling camps have been organised and 63,418 people counseled in such programs. Out of these, 20,816 people are linked to banking system and 11,249 people have benefited with credit linkage. Our rural branches regularly meet the villagers and hold financial literacy camps. Wide publicity is ensured and financial literacy material is distributed in those camps.

DIRECT BENEFIT TRANSFER (DBT/DBTL)

All our branches are enabled for individual & bulk seeding of Aadhaar numbers in accounts. Our nodal branch for DBT is uploading the seeded data on NPCI mapper on daily basis. Till 31.03.2016, a total number of 48,23,473 Aadhaar have been seeded. Out of total 35,30,374 PMJDY accounts, Aadhaar have been seeded in 19,80,098 accounts.

Till 31.03.2016, a total number of 2,49,79,124 DBT/DBTL records have been received, out of which 2,45,98,445 records have been processed.

LEAD BANK SCHEME

As per directions of RBI, our Bank

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NPCI eSij nSfud vk/kj ij lhMsM MkVk dks viyksM dj jgh gSA fnukad 31-03-2016 rd 48]23]743 [kkrksa esa vk/kj uacj tksM+us dk dk;Z fd;k tk pqdk gSA dqy 35]30]374 PMJDY [kkrksa esa ls 19]80]098 [kkrksa esa vk/kj uacj tksM+s tk pqds gSaA fnukad 31-03-2016 rd dqy 2]49]79]124 DBT/DBTL fjdkWMZ çkIr gq;s gSa ftuesa ls 2]45]98]445 fjdkWMZ çlaLd`r fd, tk pqds gSaA

ekxZn'khZ cSad ;kstuk

Hkkjrh; fjtoZ cSad ds funsZ'kksa dh vuqikyuk esa gekjk cSad jktLFkku ds 9 ftyksa ;Fkk chdkusj] ckM+esj] guqekux<] tSlyesj] tkyksj] ikyh] fljksgh] jktleUn ,oa mn;iqj esa ekxZn'khZ cSad ds mÙkjnkf;Ro dk fuokZg dj jgk gSA cSad okf"kZd lk[k ;kstuk dh rFkk Hkkjr ljdkj] jktLFkku ljdkj o ukckMZ }kjk ykxw dh x;h fofo/ fodklksUeq[kh ,oa xjhch mUewyu ;kstukvksa ds dk;kZUo;u o fuxjkuh@leh{kk esa dk;Zjr gSA 2015&16 dh okf"kZd lk[k ;kstuk varxZr 9 ekxZn'khZ ftyksa dks vkoafVr `6382-58 djksM+ ds y{; ds lkis{k geus okf"kZd y{;ksa dk 107% çkIr djrs gq, `6831-98 djksM+ forfjr fd, gSaA

lw{e foÙk (Lo;a lgk;rk lewg)

ekpZ 2016 ds var rd cSad us 45965 Lo;a lgk;rk lewgksa dks `209-36 djksM+ dh lk[k lhek,a Lohd`r djrs gq, lk[k lgcí fd;k gS] ftuesa ls 37426 [kkrs efgyk ykHkkfFkZ;ksa ds gSa ftUgsa `175-62 djksM+ dh lk[k lhek Lohd`r dh x;h gSA fnukad 09 ekpZ] 2016 dks ukckMZ t;iqj }kjk vk;ksftr jkT; Lrjh; lEeku lekjksg esa "Status of Micro Finance" vuqlkj gekjs cSad dks okf.kfT;d cSafdax laoxZ varxZr Lo;a lgk;rk lewg esa mRd`"V çn'kZu ds fy, çFke iqjLdkj çnku fd;k x;k gSA

xzkeh.k Lojkstxkj çf'k{k.k laLFkku (vkjlsVh)

xzkeh.k csjkstxkj ;qokvksa dks Lojkstxkj lapkyu lEcU/h dkS'ky çnku djus gsrq gekjs cSad us chdkusj] guqekux<+] ckMesj] tSlyesj] tkykSj] ikyh] fljksgh ,oa ukFk}kjk (ftyk&jktleUn) esa vkB xzkeh.k Lojkstxkj çf'k{k.k laLFkku (vkjlsVh% RSETI) LFkkfir fd, gSa A

ekpZ] 2016 ds var rd bu laLFkkuksa }kjk 46152 mEehnokjksa dks LFkkuh; ekax o vko';drkuqlkj fofHkUu dk;ksaZ lEcU/h çf'k{k.k çnku fd;k x;k gS rFkk dkS'ky laca/h çf'k{k.k çnÙk djk;s tkus ds mijkar 5231 çf'kf{kr mEehnokj fofHkUu jkstxkjksa ls tqM+ x, gSa rFkk 16673 mEehnokjksa us viuk Lo;a dk m|e çkjEHk dj fn;k gS A 11519 O;fDr;ksa dks 7635-30 yk[k dh lk[k lgc¼rk çnku dh gSA

gekjh leLr vkB (8) vkjlsVh dks o"kZ ds nkSjku ^^AA** xzsfMax çkIr gqbZ gSA

vkjlsVh chdkusj dks xzkeh.k fodkl ea=kky;] Hkkjr ljdkj] }kjk fnukad 15-07-2015 dks vkjlsVh fnol ds volj ij vk;ksftr lekjksg esa mRd`"V dk;Zfu"iknu gsrq r`rh; iqjLdkj çnku fd;k x;kA

ljdkj }kjk çk;ksftr ;kstuk,a

ljdkj }kjk çk;ksftr ;kstukvksa varxZr m|fe;ksa dks foÙkiksf"kr djus esa cSad lnk ls gh egRoiw.kZ Hkwfedk fuHkkrk vk jgk gSA jk"Vªh; xzkeh.k vkthfodk fe'ku (NULM) varxZr cSad us 765 ykHkkfFkZ;ksa dks 569-69 yk[k dh jkf'k LohÑr dh gSA blh çdkj çèkkuea=kh jkstxkj l`tu dk;ZØe (PMEGP) varxZr 553 ykHkkfFkZ;ksa dks `2814 yk[k LohÑr fd, x,] ihvksih (PoP) ds vUrZxr 3484 ykHkkfFkZ;ksa dks `1216 yk[k LohÑr fd, x, rFkk jk"Vªh; xzkeh.k vkthfodk fe'ku

(NRLM)ds varxZr 330 ykHkkfFkZ;ksa dks `345-88 yk[k LohÑr fd, x,A

{ks=kh; xzkeh.k cSad

,lchchts }kjk çk;ksftr rRdkyhu e:/jk xzkeh.k cSad (MGB) rFkk vkbZlhvkbZlhvkbZ cSad }kjk çk;ksftr esokM vkapfyd xzkeh.k cSad (MAGB) ds foy; mijkar fnukad 01-04-2014 dks jktLFkku e:/jk xzkeh.k cSad (RMGB) vfLrRo es vk;k] ftldk ç/ku dk;kZy; tks/iqj esa fLFkr gSA cSad blds 15 ftyksa dh vFkZO;oLFkk es çkFkfedrk rFkk xSj& çkFkfedrk çkIr nksuksa gh {ks=kks esa foÙkh; lgk;rk çnku djrs gq, çeq[k Hkwfedk fuHkk jgk gSA

,lchchts vkj,ethch (RMGB) dks çcU/dh; lg;ksx rFkk iqufoZÙk ds ekè;e ls foÙkh; lgk;rk çnku djrk jgk gSA vkj,ethch dh leLr 'kk[kk,¡ lhch,l IysViQkeZ ij dk;Z djrs gq, bysDVªksfud dks"k vUrj.k dh lqfo/k çnku dj jgh gSA vkj,ethch us 5 vkulkbZV ,Vh,e o xzkgdksa dks muds }kj ij cSafdax lqfo/k ds fy, ,d eksckbZy ,Vh,e LFkkfir fd;k gSA ekpZ 2016 ds var esa vkj,ethch dh `7290-26 djksM dh tek,¡ o `5507-52 djksM+ ds vfxze FksA

ljdkjh O;olk;

cSad viuh 306 vf/d`r 'kk[kkvksa ds ekè;e ls jkT;@dsaæ ljdkj ds fy, ljdkjh O;olk; dk dk;Z djrh gSA vk;dj] mRikn 'kqYd] lsokdj] ewY; laof/Zr dj (oSV) vkfn dk HkkSfrd pkyku }kjk ,oa bysDVªksfud rjhds ls laxzg.k fd;k tkrk gSA cSad }kjk dsaæh;Ñr isa'ku çlaLdj.k dsaæ (lhihihlh) dh LFkkiuk dh x;h gS tks fd isa'ku dh x.kuk djus ds lkFk&lkFk lHkh 'kk[kkvks esa isa'kulZ ds [kkrksa esa tek Hkh djrh gSA jktLFkku ljdkj ds deZpkfj;ksa dks jkT; ljdkj }kjk vkWu ykbu osru Hkqxrku djus ds mís'; ls vkWu ykbu Vªstjh 'kk[kk

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has Lead Bank responsibility in nine districts in the State of Rajasthan viz. Bikaner, Barmer, Hanumangarh, Jaisalmer, Jalore, Pali, Sirohi, Rajsamand and Udaipur. The Bank has been implementing and monitoring the Annual Credit Plan and other developmental and poverty eradication schemes launched by the Govt. of India, Govt. of Rajasthan and NABARD. Targets allotted in 9 Lead Districts for Annual Credit Plan to our Bank for the year 2015-16 was 6382.58 crore, against which achievement of our Bank in these lead districts up to March, 2016 is `6831.98 crore, achieving 107% of the annual targets.

MICRO CREDIT (SHGs)

Up to the end of March, 2016 the Bank has credit linked a total of 45965 Self Help Groups with limit sanctioning amount of `209.36 crore, out of which 37426 accounts are of women beneficiaries with limit sanctioning amount of `175.62 crore. Our Bank has been awarded First Prize in Commercial Banking Category for excellent performance in SHG, as per “Status of Micro Finance” by NABARD, Jaipur during the State Level Felicitation Programme held on 9th March, 2016.

RURAL SELF EMPLOYMENT TRAINING INSTITUTES (RSETI)

In order to impart job- oriented skills to rural unemployed youth, the Bank has set-up eight RSETIs at Bikaner, Hanumangarh, Barmer Jaisalmer, Jalore, Pali, Sirohi and Nathdwara (Distt. Rajsamand).

By the end of March, 2016, 46152 candidates have been imparted training for various local demand

jobs in these institutions and 5231 trained candidates have been engaged in various jobs and 16673 trained candidates have started their own ventures. 11519 trained candidates have been credit linked amounting to `7635.30 lac.

Our all eight (8) RSETIs got “AA” grading, conducted during the year.

RSETI Bikaner was awarded Third Prize by the MoRD, GoI, New Delhi for excellent performance on the occasion of RSETI Diwas at New Delhi held on 15.07.2015.

GOVERNMENT SPONSORED SCHEMES

Laying utmost emphasis on Government sponsored schemes, the Bank continued to play a pioneering role in financing entrepreneurs under various government sponsored schemes. Under National Urban Livelihood Mission (NULM scheme), the bank sanctioned amount of `569.69 lacs to 765 beneficiaries. Similarly, under Prime Minister Employment Generation Programme (PMEGP) an amount of `2814 lacs was sanctioned to 553 beneficiaries, under POP amount of `1216 lacs to 3484 beneficiaries and `345.88 lacs to 330 beneficiaries under National Rural Livelihood Mission (NRLM scheme).

REGIONAL RURAL BANK

Rajasthan Marudhara Gramin Bank (RMGB) has come into existence on 01.04.2014 with the amalgamation of the erstwhile Marudhara Gramin Bank (MGB), sponsored by SBBJ and Mewar Anchalik Gramin Bank (MAGB), sponsored by ICICI Bank. The Head Office of the Bank is at Jodhpur. The Bank is playing vital

role in the economy of 15 districts of their area of operation by extending financial assistance to both priority and non priority sectors.

SBBJ provides managerial support and financial assistance by way of refinance etc. to RMGB. All branches of RMGB are on CBS platform and provide Electronic Fund Transfer facility. RMGB has installed its five on site ATMs and one mobile ATM for providing door step banking facility to its customers. RMGB has deposits of `7290.26 crores and advances of `5507.52 crores as on March, 2016.

GOVERNMENT BUSINESS

The Bank conducts Government Business on behalf of State/Central Government departments through 306 Authorized Branches. Income Tax, Central Excise, Service Tax, Value Added Tax (VAT) etc. are collected through physical challans and also through the electronic mode. The Bank has established a Centralized Pension Processing Centre (CPPC) which calculates as well as credits pension to the accounts of pensioners across all the Branches. We also have an Online Treasury Branch for online payment of salary of Rajasthan Govt. employees on behalf of the State Govt. Presently, our Online Treasury Branch is processing 35.71 lacs State Govt. transactions received through 23175 digitally signed files in a month. During 2015-16, the commission income from Government business was `99.51 crore.

INTERNATIONAL BANKING

The Bank provides Foreign Exchange related services to

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Hkh gSA orZeku esa vkWu ykbu Vªstjh 'kk[kk 35-71 yk[k jkT; ljdkj laca/h ysunsu 23175 fMftVy gLrk{kj;qDr iQkbyksa ds ekè;e ls çfrekg fu"iknu dj jgh gSA o"kZ 2015&16 esa jktdh; O;olk; ls `99-51 djksM+ dh deh'ku vk; gqbZA

varjkZ"Vªh; cSafdax

cSad viuh fons'kh fofue; O;olk; gsrq ^ch* Js.kh esa vf/d`r 61 ,oa lHkh ^lh* Js.kh esa vf/d`r 'kk[kkvksa rFkk 4 O;kikj foÙk dsUæh; lalk/u dsUæksa ds usVodZ ds ekè;e ls fu;kZrdksa@vk;krdksa vU; fuoklh ,oa vfuoklh xzkgdksa dks fons'kh fofue; lEcU/h lsok,¡ çnku djrk gSA

gekjk eqEcbZ esa fLFkr fons'kh fofue; ysunsu dsUæ ,oa lHkh ^ch* Js.kh esa vf/d`r 'kk[kk,¡ vk/qfud rduhdh o æqrxkeh lapkj O;oLFkk ls lqlfTtr gSa rFkk fLoÝV }kjk vkil esa ,oa lEiw.kZ fo'o esa fLFkr 750 ls vf/d fons'kh cSadksa ds dk;kZy;ksa ls tqMs+ gq, gSaA cSad ds fo'o dh lHkh çeq[k eqækvksa esa 20 uksLVªks [kkrs gSa ,oa fo'o ds vU; lHkh çeq[k cSafdax lewgksa ls Hkh [kkrk jfgr lEcU/ gSaA vfuoklh Hkkjrh; xzkgdksa gsrq /u&çs"k.k ds fy, fLoÝV] vkWu ykbu çs"k.k lqfo/k o [kkMh ns'kksa esa fLFkr 4 fofue; x`gksa ds lkFk #i;ksa esa Rofjr /u&çs"k.k gsrq xBcU/u gSaA gekjh 231 'kk[kk,a ^osLVuZ ;wfu;u /u çs"k.k* ds Hkqxrku gsrq vf/d`r gSaA

fons'kh fofue; cktkj dh xfrfof/;ksa dk ykHk mBkus ds mís'; ls cSad }kjk LokfeRo fons'kh eqæk dkjksckj Hkh fd;k tk jgk gSA forh; o"kZ 2015&16 esa cSad dk epsZUV fons'kh eqæk dkjksckj fiNys foÙkh; o"kZ dh blh le;kof/ ds `31186 djksM+ dh rqyuk esa `1120-20 djksM+ (&3-59%) dh fxjkoV ds lkFk `30065-80 djksM+ jgkA

gekjh vfuoklh tek,a ekpZ 2015 ds

vk/kj Lrj `1630 djksM+ ls c<+dj] o"kZ ds nkSjku `486-89 djksM+ (29-87%) dh o`f¼ ntZ djrs gq, ekpZ 2016 ds var esa `2116-89 djksM+ gks xbZaA

gekjk fu;kZr lk[k ekpZ 2015 ds vk/kj Lrj `2544 djksM+ dh rqyuk esa `105-54 djksM+ (&4-15%) dh fxjkoV ds lkFk ekpZ 2016 ds var esa `2438-46 djksM+ gks x;kA

cSad iQksjsu ,Dlpsat MhylZ ,lksfl,'ku vkWiQ bf.M;k (iQsMkbZ) dh LFkkuh; bZdkbZ dh vè;{krk djrk gS rFkk b.Vjus'kuy pSEcj vkWiQ dkWelZ (vkbZlhlh) ,oa Dyhfj;ax dkWiksZjs'ku vkWiQ bf.M;k (lhlhvkbZ,y) dk lfØ; lnL; gSA

vkS|ksfxd iquokZl

31-03-2016 dh lekfIr ij] cSad dh iqLrdksa esa 17 cM+h #X.k@ detksj bdkbZ;ksa dk dqy cdk;k `275-26 djksM+ FkkA fuxfer ½.k iqul±jpuk (lh-Mh-vkj-) ds 31 ekeyksa esa cSad dk ldy foÙk `2533-72 djksM+ ,oa chvkbZ,iQvkj ds 23 ekeyksa esa cSad dk ldy foÙk `1073-86 djksM+ gSaA cSad 4 ekeyksa esa chvkbZ,iQvkj dh ifjpkyu ,tsalh ds #i esa dk;Z djrk jgk gSA leh{kk/hu o"kZ esa ewy :i ls dBksj vkfFkZd ifjn`'; dh vifjgk;Zrk ls mRiUu fLFkfr;ksa ds vkyksd esa lhMhvkj ra=k ds v/hu 1 [kkrk] ftlesa cSad dk ldy foÙk `35-42 djksM+ gS] dks iqul±jfpr fd;k x;kA fnukad 31 ekpZ] 2016 dks 5 ,lMhvkj ;kstuk varxZr ekeys Fks o buesa cSad dk ldy foÙk `1046-88 djksM+ gSA

xSj& fu"ikfnr vkfLr çca/u

xSj fu"ikfnr vkfLr (,uih,) çca/u varxZr cSad cM+s ewY; ds [kkrksa esa xgu vuqoh{k.k ,oa vuqorhZ dk;Zokgh vkfn }kjk xSj fu"ikfnr vkfLr;ksa dks fu;af=kr

djus ds fy, cgqfof/d o cgqvk;keh j.kuhfr vuqlkj fuEukafdr dne mBk jgh gS%&

1- olwyh% jksMk (RODA)] çfrHkwfrdj.k (SARFAESI) vf/fu;eksa ,oa ½.k olwyh vfHkdj.kksa (DRT) vkfn varxZr miyC/ fof/d çko/kuksa dks viukrs gq, ,uih, [kkrksa esa olwyh dh tk jgh gSA SARFAESI o DRT ekeyksa dh lrr fuxjkuh ,oa fu;fer v|ru gsrq VsEiysV cus gq, gSaA

U;k;ky;ksa ds lkFk vuqorZu ,oa fu"iknu ;kfpdk;s¡ nkf[ky fd, tkus ij okafNr è;ku fn;k x;kA leh{kk o"kZ esa olwyh f'kfojksa] cSad vnkyrksa o yksd vnkyrksa dk vk;kstu fd;k x;k ftuds ifj.kke mRlkgo/Zd jgsA olwyh f'kfoj çR;sd xk¡o esa fu;fer vk/kj ij vk;ksftr fd, tk jgs gSaA xSj fu"ikfnr vkfLr (,uih,) rFkk laxzg.k gsrq vfxze (AUCA) [kkrksa varxZr olwyh dh çca/u lfefr }kjk fu;fer leh{kk dh tkrh gSA SMA rFkk laHkkO; ,uih, oxZ ds [kkrksa dks ,uih, gksus ls ;FkklEHko cpk, tkus o mi;qDr j.kuhfr cukus ds mís'; ls] ohfM;ks dkUiszaQflax lfgr] fofo/ eapksa ij] ç/ku dk;kZy; ,oa vapyksa }kjk leh{kk dh tkrh gS A

^^½.k vuqorZu dsaæksa** (Loan Tracking Centers) }kjk Hkh] ekud vfu;fer [kkrksa dh Hkh vfu;errk mRiUu gksus ds igys fnu ls gh fuxjkuh@ VªSfdax dh tkrh gSaA Hkkjrh; fjtoZ cSad fn'kkfunsZ'kksa vuqlkj lpsrd dne Hkh mBk, tkrs gSaA

2- le>kSrk% cSad }kjk xSj fu"ikfnr vkfLr;ksa esa deh djus ds fy,] fofHkUu ;kstuk,¡ tSls fo'ks"k ½.k eqfDr ;kstuk] le>kSrk eap] 10-00 yk[k #i, rd d`f"k fe;knh ½.kksa ,oa NksVs ½f.k;ksa gsrq] ,d eq'r fuiVku ;kstukvksa }kjk] igy dh xbZ gSA

3- vkfLr iqulaZjpuk daifu;ksa (ARCs) dks fcØh% xSj fu"ikfnr vkfLr;ksa esa deh

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exporters/ importers, other resident and non-resident customers through a network of 61 Authorized Category "B" branches, all category ‘C’ branches and 4 Trade Finance Central Processing Centres (TFCPC).

Bank's forex dealing room at Mumbai and all the authorized category ‘B’ branches are equipped with infrastructure of latest technology for real-time communication and are connected through SWIFT network with more than 750 offices of foreign banks throughout the world. The Bank maintains 20 NOSTRO accounts in all major currencies and non-account correspondent banking relationship with all major banking groups in the world. To facilitate NRI customers for inward remittances, there is online remittance facility and tie-ups with 4 Gulf based Exchange Houses. Our 231 branches are authorised for payment of Western Union Money Transfer.

The Bank also undertakes proprietary Forex trading to increase profit by taking advantage of market movements. Our Merchant forex turnover stood at `30065.80 crore at the end of March 2016, as against `31186 crore for the same period in last financial year representing a decline of `1120.20 crore (-3.59%) during the year.

Our NRI deposits stood at 2116.89 crore at the end of March 2016 against the base of `1630 crore in March 2015, registering a growth of `486.89 crore (29.87%).

Our export credit stood at `2438.46 crore at the end of March 2016 as against `2544 crore of March 2015, recording a decline of `105.54 crore (-4.15%) during the financial year.

The Bank chairs the local chapter of Foreign Exchange Dealers' Association of India (FEDAI). The Bank is an active member of FEDAI, International Chamber of Commerce (ICC) and Clearing Corporation of India Limited (CCIL).

INDUSTRIAL REHABILITATION

As at end of 31st March, 2016, the Bank had 17 large sick /weak units on its books with aggregate outstanding of `275.26 crore. There are 31 Corporate Debt Restructuring cases with aggregate exposure of `2533.72 crore and 23 BIFR cases with exposure of `1073.86 crore. The Bank has been acting as BIFR's Operating Agency in 4 cases. During the year under review, 1 account with aggregate exposure of `35.42 crore has been restructured under CDR mechanism as warranted basically by the tight economic scenario. There are 5 Strategic Debt Restructure (SDR) Scheme cases with aggregate exposure of `1046.88 crore as on 31st March, 2016.

NPA MANAGEMENT

NPA management of the Bank continues with its multipronged strategy of controlling Non-Performing Assets (NPAs) through intensive monitoring of large value accounts and close follow up is carried out by adopting following measures:

1. Recovery: By adopting legal remedies available to the Bank under RODA, SARFAESI and DRT etc., recovery is effeted in NPA accounts. Templates are in place for regular updation and monitoring of SARFAESI and DRT cases.

Due emphasis has been given to

follow-up with Courts and filing of Execution Petitions. During the year, Recovery Camps, Bank Adalats and Lok Adalats were organized for NPA recovery, the results of which were encouraging. Recovery camps are being held in every village on a regular basis. The progress in NPA/ AUC recovery is being reviewed by the Management Committee regularly. The accounts in SMA/ Probable NPA category are also being reviewed at various platforms including video conferencing at Head Office and at Zones to devise strategies to prevent any account slipping into NPA.

The “Loan Tracking Centers” monitor/ track the irregular standard accounts right from the first day of irregularity. Pre-emptive measures are undertaken as per RBI guidelines.

2. Compromise: Bank has initiated various compromise schemes like Vishesh Rin Mukti, Samjhouta Manch, OTS scheme for Agriculture Term Loans as also for Small Borrowers upto `10.00 lacs to reduce NPAs.

3. Sale to ARCs: Non Performing Assets are also being sold to ARCs for reducing stressed assets level of the Bank after careful analysis of the impact on the balance sheet of each account thus sold.

4. Write Off: NPA accounts, where sufficient provisions have been made over the years, are written off to clean the asset portfolio after observing the RBI/ Govt. guidelines in this respect.

5. Restructuring: Flexible structuring of eligible loans, under 5X25 scheme of RBI, are carried out and also Strategic Debt Restructuring

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djus ds fy,] çR;sd [kkrs ds] rqyu i=k ij iM+us okys çHkko dk lko/kuh ls fo'ys"k.k dj vkfLr iqulaZjpuk daifu;ksa (ARCs) dks fcØh dh tkrh jgh gSA

4- viys[ku% ,sls xSj fu"ikfnr vkfLr [kkrs] ftuesa foxr dqN o"kksaZ esa i;kZIr çko/ku fd;k x;k gS] mUgsa Hkkjrh; fjtoZ cSad@ ljdkj }kjk tkjh fn'kkfunsZ'kksa dh vuqikyuk djrs gq, vifyf[kr fd;k tkrk jgk gS rkfd vkfLr iksVZiQksfy;ks ekud cuk jgsA

5- iqulaZjpuk% Hkkjrh; fjtoZ cSad dh 5x25 ;kstuk varxZr ik=k [kkrksa esa yphyk n`f"Vdks.k j[krs gq, iqulaZjpuk dh tkrh gSA lkFk gh tgka] ts-,y-,iQ- ds fu.kZ;kuqlkj] lq/kjkRed dk;Z ;kstuk (CAP) liQy ugh gks ikrh gS] ogk¡ ,l-Mh-vkj- ;kstuk varxZr] ½.kh dEiuh ds çcU/u esa cnyko fd;k tkrk gSA ,sls mik;] cSad ds [kkrksa dks ,u-ih-,- gksus ls cpkrs gSaA mijksDr mik;ksa dks viukus ,oa ljiQslh ds çko/kuksa dk] çHkkoh <ax ls mi;ksx djds] vFkZO;oLFkk ij ncko gksus ds ckotwn Hkh] cSad] vius ,u-ih-,- Lrj dks] fu;af=kr djus esa liQy jgk gSA

ekpZ] 2016 rd] cSad dk ldy xSj fu"ikfnr vkfLr (NPA) vuqikr 4-82% ,oa fuoy xSj fu"ikfnr vkfLr vuqikr 2-75% jgk gS A

cSad dh tksf[k+e çcU/u ljapuk

cSad esa ,d Lora=k tksf[k+e çcU/u ljapuk ekStwn gSA 'kh"kZ Lrj ij funs'kd e.My dh tksf[k+e çcU/u lfefr (vkj,elhch) gS tks cSad esa tksf[k+e çcU/u gsrq uhfr;ksa ,oa ;qfDr;ksa dk dk;Z ns[krh gSA vkfLr&ns;rk çcU/u lfefr (,,ylhvks)] cktkj tksf[k+e çcU/u lfefr (,evkj,elh)] lk[k tksf[k+e çcU/u lfefr (lhvkj,elh) ,oa ifjpkyu tksf[k+e çcU/u lfefr (vksvkj,elh) vkj,elhch dh lgk;rk djrh gSA ;g

mi&lfefr;ka vius dk;Z{ks=k ls lHkh egRoiw.kZ leL;kvksa@ xfrfof/vksa dks vkj,elhch ds le{k çLrqr djrs gSA cSad ds le{k vkus okyh eq[; tksf[keksa ds igpku] ekiu ,oa çcU/u gsrq rjyrk tksf[k+e] cktkj tksf[k+e] lk[k tksf[k+e rFkk ifjpkyu tksf[k+e çcU/u uhfr;k¡ gSaA xfr'khy O;olk; okrkoj.k dks è;ku esa j[krs gq, bu uhfr;ksa dh le;&le; ij leh{kk dh tkrh gS vkSj bUgs v¼ru fd;k tkrk gSA

tksf[k+e çca/u dk;Z

rjyrk tksf[k+e ,oa C;kt nj tksf[k+e ds çHkkoh çcU/u gsrq ,d O;kid vkfLr ns;rk çcU/u ç.kkyh ykxw gS] ftlds varxZr vkfLr nsrk çca/u lfefr (ALCO) }kjk tks fu/kZfjr fooj.kksa tSls lajpukRed rjyrk fooj.k] vYikof/ xfr'khy rjyrk] C;kt nj tksf[ke laosnu'khyrk fooj.k (ijEijkxr rFkk vof/ varjky i¼fr;ka)] rjyrk rFkk vk; ij ruko ijh{k.k] pyfuf/ dojst vuqikr vkfn ds ekè;e ls rjyrk rFkk C;kt nj tksf[+keks dh igpku] ekiu rFkk fuxjkuh dh tkrh gSA ALCO }kjk bu fooj.kksa ij foLr`r ppkZ dh tkrh gS rFkk tgka vko';d gks] lq/kjkRed dne mBk;s tkrs gSaA cSad dh vkfLr ns;rk çcU/u (ALM) uhfr ds vuqlkj] vkdfLedrk fu/h;u ;kstuk dh frekgh vk/kj ij leh{kk dh tkrh gSA cSad dh csapekdZ vk/kj nj (vk/kj nj rFkk chih,yvkj) rFkk tekvks ds fy, dkMZ nj ds laca/ eas ppkZ rFkk fu.kZ; ALCO }kjk dh tkrh gSA ALCO esa vkfFkZd xfrfof/;ksa dh ppkZ Hkh dh tkrh gS rFkk cktkj esa gksus okys ifjorZuksa dh fujarjrk ls fuxjkuh dh tkrh gSA

cktkj tksf[+ke dk çca/u] eq[;r;k fofHkUu uhfr;ksa dh vuqikyuk] fofHkUu tksf[+ke lhekvks] ;Fkk fLFkfr lhek] gkfu jks/d lhek] çca/u dk;Zokgh mRçsjd rFkk vafre gkfu mRçsjd ds lkFk fuos'k

,oa O;kikfjd xfrfof/;ks ds lapkyu dks tksf[+ke fLFkfr;ksa dh yxkrkj fuxjkuh }kjk fd;k tkrk gSA cSad ds fuos'k lafoHkkx dh lqn`<rk ds ewY;kadu gsrq cSad dh ncko ijh{k.k uhfr ds vuqlkj 'ks;j lwpdkadks esa fxjkoV] ckWUM vtZu es o`f¼ rFkk fons'kh fofue; njksa esa mrkj p<+ko tSlh ?kVukvks dks lesVrs gq, cktkj tksf[+ke ifjn`'; ds fo'ys"k.k o"kZ ds nkSjku fujarj fd;k x;kA

lk[k tksf[ke çca/u ds fy, cSad us ,d m/kj vuqeksnu çfØ;k rS;kj djds ekudhdj.k fd;k gS] ftl esa çLrkoksa dk O;kid m/kj Js.kh fu/kZj.k 'kkfey gSA [kqnjk ½.kksa ds fy, cSad tksf[+ke Ldksfjax ekWMy dk mi;ksx djrk gSA lk[k tksf[+ke ds foLrkj ds fu;a=k.k gsrq vkarfjd ,oa foosdiw.kZ ekunaM csapekWdZ] foÙkh; vuqikr] ,dy m/kjdrkZ ,oa m/kjdrkZ lewg ,Dlikstj] m|ksx fo'ks"k ,oa {ks=k fo'ks"k esa ,Dlikstj] laosnu'khy {ks=k esa ,Dlikstj ysus gsrq ck/k nj bR;kfn LFkkfir fd, x, gSA lk[k fu:i.k ç.kkyh ,oa Li"Vr% ifjHkkf"kr vf/dkjksa dk çR;k;kstu cSad dh ½.k uhfr dk vfHkUu vax gSA

ifjpkyu tksf[+ke çca/u gsrq vkarfjd fu;a=k.k ç.kkyh dh LFkkiuk djuk ,d eq[; lk/u gS ftlesa drZO;ksa dk oxhZdj.k] Li"V çca/u fjiksfVaZx ,oa i;kZIr ifjpkyu fu;ekoyh 'kkfey gSaA vf/dka'k ifjpkyu tksf[ke ?kVukvksa dk dkj.k vkarfjd fu;a=k.k ç.kkyh es detksj lkeatL; vFkok orZeku vkarfjd fu;a=k.k fof/;ksa dk ikyu ugha djuk gSA cSad us ifjpkyu tksf[+ke çca/u ,oa fu;a=k.k gsrq mfpr ç.kkyh ,oa dk;Zfof/ fodflr dh gqbZ gSA

cklsy&AAA iwathxr <k¡pk

cklsy&AAA iwath fofu;e 01-04-2013 ls ykxw dj fn;s gSa rFkk bldk iw.kZ dk;kZUou 2019 rd gksxkA vr% cSad cklsy&AAA

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(SDR) is considered in cases of failure of rectification under Corrective Action Plan (CAP), as decided by JLF, to effect change of Management of the borrower company. These initiatives help the Bank in containing the accounts turning into NPA.

At the end of March 2016, gross NPA ratio of the Bank stood at 4.82% and Net NPA ratio stood at 2.75%.

RISK MANAGEMENT STRUCTURE OF THE BANK

The Bank has an independent Risk Management Framework in place. At the apex level, there is a Risk Management Committee of the Board (RMCB), which oversees the policies and strategies for Risk Management in the Bank. Asset Liability Management Committee (ALCO), Credit Risk Management Committee (CRMC), Market Risk Management Committee (MRMC), and Operational Risk Management Committee (ORMC) provide support to RMCB. These sub-committees place all critical issues/ development in their respective areas before the RMCB. The Bank has Policies for identification, measurement and management of major risks and liquidity risk, credit risk, market risk, and operational risk. These policies are reviewed and updated from time to time, keeping in view of the dynamic business environment.

RISK MANAGEMENT FUNCTION

A comprehensive Asset Liability Management (ALM) System is in place for effective management of Liquidity Risk and Interest Rate Risk, which are identified, measured and monitored by the

ALCO through the prescribed statements, viz. Statement of Structural Liquidity, Stress Testing on Liquidity and Earnings, Liquidity Coverage Ratio (LCR) etc. ALCO discusses these statements in detail and takes corrective actions whenever necessary. As per the Bank’s ALM Policy, a Contingency Funding Plan is reviewed on a quarterly basis. Bank’s Benchmark Lending Rates (Base Rate and BPLR) and Card Rates for Deposits are discussed and decided by the ALCO. The ALCO also discusses the economic developments and monitors the changes in the market on an ongoing basis.

Market Risk is largely managed through adherence to various policies, in the conduct of the investment and trading activities along with adherence to various risk limits like position limits, stop loss limits, Management Action Trigger (MAT) and Cut Loss Triggers (CLT) through constant monitoring of the risk positions. Scenario Analysis on market risk events are conducted regularly as per the Stress Testing Policy of the Bank to assess resilience of Investment portfolio.

For Credit Risk management, the Bank has a structured and standardised credit approval process which includes comprehensive credit rating of proposals. In order to control the magnitude of credit risk, internal and prudential norms on benchmark, financing ratios, single borrower or borrower-group exposure, industry specific and sector-specific exposure, exposure to sensitive sectors, hurdle rate for taking a fresh exposure etc. have been set up. Credit appraisal systems and a clearly defined delegation of powers form an integral part of the

Bank's Loan Policy.

One of the major tools for managing operational risk is to put in place a well established internal control system, which includes segregation of duties, clear management reporting lines and adequate operating procedures. The Bank has suitable systems and procedures for managing and controlling operational risks.

BASEL-III CAPITAL FRAMEWORK

Basel-III capital framework has come into effect from April 01, 2013 and shall be fully implemented by 2019. Accordingly, the Bank is computing Capital to Risk Weighted Assets Ratio (CRAR) as per Pillar-I of Basel-III Framework. With a view to improve market discipline under Pillar 3 of Basel-III framework and to improve transparency of capital base, Basel-III Disclosures have been made by the Bank in the Comprehensive Annual Report as also on Bank's website.

Bank plans to migrate to advanced approaches of Basel-II guidelines for Credit, Market and Operational Risks in prescribed phased manner.

RECONCILIATION OF INTER OFFICE TRANSACTIONS

As per RBI guidelines, all the entries need to be reconciled within a period of six months from the date of their origin. By the end of March 2016, the Bank had reconciled all Inter-Branch debit transactions, originated till 29.02.2016 i.e. well before the time limit of six month prescribed by the RBI. The Bank is further committed to perform better and aim to reconcile the entries within two months period from the date of their origin.

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<k¡ps ds LraHk&A ds vuqlkj tksf[+ke Hkkfjr vkfLr vuqikr esa iwath dh x.kuk dj jgk gSA cklsy&AAA <k¡ps ds LraHk&AAA ds varxZr cktkj vuq'kklu esa lq/kj gsrq ,oa iw¡th vk/kj dh LoPNrk esa lq/kj ykus ds mís'; ls cSad es okf"kZd foLr`r çfrosnu esa rFkk cSad dh osclkbZV ij cklsy&AAA çdVhdj.k fd;k x;k gSA

cSad us lk[k] cktkj rFkk ifjpkyu tksf[+keksa ds fy, cklsy&AA fn'kkfunsZ'kksa ds varxZr mUur n`f"Vdks.k esa fu/kZfjr pj.kc¼ :i esa ikjxeu dk fu'p; fd;k gSA

varj dk;kZy; ysunsuksa dk feyku

Hkkjrh; fjtoZ cSad ds fn'kk funZ'kkuqlkj çR;sd çfof"V mn~xe dh frfFk ds 6 ekg ds vUnj feyku gks tkuk pkfg,A ekpZ 2016 dh lekfIr rd cSad }kjk 29-02-2016 rd [kM+h dh x;h lHkh varj 'kk[kk MsfcV ysunsu çfof"V;ksa dk Hkkjrh; fjtoZ cSad }kjk fu/kZfjr 6 ekg dh le; lhek ls dkiQh igys gh feyku dj fy;k x;k gSA cSad Hkkjrh; fjtoZ cSad ds lHkh çko/kuksa dks ykxw djus gsrq opuc¼ gS ,oa cSad dk y{; gS fd lHkh çfof"V;ksa dk feyku muds l`ftr@[kM+h fd, tkus ds nks ekg ds Hkhrj gh dj fy;k tk;sA

lwpuk çkS|ksfxdh

cSad leLr 'kk[kkvks esa lqLFkkfir lhch,l IysViQkWeZ ds ekè;e ls mRd`"V dksfV dh lwpuk çks|ksfxdh lsok,¡ miyC/ djok jgk gSA lhch,l esa dqN vU; xq.koÙkkiw.kZ lsok,¡ o lqfo/k,a ;Fkk fofo/dk;Z laikfnr djus esa l{ke ,Vh,e] baVjusV cSafdax] eksckby cSafdax] ¶ÝysfDl tek ;kstuk] eYVh flVh psd lqfo/k] LFkkuh; o cká psdksa dk Rofjr laxzg.k] lHkh çdkj ds MsfcV@ ØsfMV ysunsu gsrq bZlh,l lqfo/k vkfn dk lekos'k fd;k x;k gSA lhch,l esa gh u, xzkgdksa ds fy, bZ&dsokbZlh Hkh ykxw dj fn;k x;k gS rFkk vc vk/kj uacj j[kus okys xzkgdksa dks u,

[kkrs [kqyokrs le; fdlh çys[kh; çek.k dks ykus@çLrqr djus dh vko';drk ugha gSaA

lwpuk çkS|ksfxdh ds {ks=k esa cSad us fuEukafdr fofo/ o uoksUes"kh ç;kl fd, gSa%

bZ&ykWch% ;qok ih<+h o u, nkSj ds xzkgdksa dks uohure rduhdh vk/kfjr ç;ksxksa@ ç;klksa }kjk vkdf"kZr djus gsrq cSad us fofHkUu LFkkuksa ij 14 bZ&ykWfc;ksa dh LFkkiuk dh gSA cSad us jktLFkku jkT; dh lcls cM+h dgh tk ldus okyh bZ&ykWfc;ksa esa ls ,d bZ&ykWch gekjh ,l,e,l gkbos 'kk[kk t;iqj esa LFkkfir dh gSA

,Vh,e% cSad us o"kZ ds nkSjku 212 u, ,Vh,e LFkkfir djrs gq, vius ,Vh,e dh dqy la[;k dks 1954 ij igqapk fn;kA lHkh ,Vh,e LVsV cSad lewg ,Vh,e ds usVodZ ls lac¼ gSa tks fd cSad ds 1-19 djksM+ ls vf/d ,Vh,e dkMZ /kjdksa dks LVsV cSad lewg ds lewps ns'k esa iQSys lÙkkou gtkj ls vf/d ,Vh,e dk fu%'kqYd mi;ksx fd, tkus dh lqfo/k ns jgs gSa A

xr o"kZ rd LFkkfir 48 udnh tek e'khuksa (lhMh,e) ds vfrfjDr cSad us 41 udnh fjlkbDyj Hkh LFkkfir fd, gSa ftuesa bl o"kZ fjlkbDyj esa ifjofrZr dh x;h 3 udnh tek e'khu Hkh 'kkfey gSaA o"kZ 2015&16 ds nkSjku cSad us jktLFkku esa jktLFkku jkT; iFk ifjogu fuxe (RSRTC) }kjk lapkfyr 30 clvM~Mksa @ dk;Z'kkykvksa ij ;kf=k;ksa dks udnh vkgj.k lqfo/k çnku fd, tkus gsrq 30 ,Vh,e LFkkfir fd,A cSad us t;iqj esVªks jsy ds lHkh LVs'kuksa ij Hkh 18 ,Vh,e LFkkfir fd, gSaA

eksckby ,Vh,e oSu% xzkgdksa@ dkMZ /kjdksa dks muds }kj rd ,Vh,e lqfo/k rFkk fofHkUu tek ;kstukvksa] ½.k ;kstukvksa ,oa fofHkUu oSdfYid forj.k pSuyksa dh tkudkjh nsus gsrq cSad us t;iqj

o mn;iqj dsaæ ij cSad ds nks eksckby ,Vh,e oSuks dk 'kqHkkjEHk fd;kA

baVjusV cSafdax% gekjs fjVsy ,oa dkWiksZjsV xzkgdksa ds fy, baVjusV cSafdax lqfo/k miyC/ gSA oSf'od Lrj ij baVjusV cSafdax ds rhoz xfr ls c<+rs gq, ç;ksx dks n`f"Vxr j[krs gq, cSad us o"kZ ds nkSjku dbZ ubZ lqfo/kvksa dh 'kq#vkr dh gSA xzkgd vius ?kj ;k n Ýrj ls viuh lqfo/kuqlkj cSad esa gh Lo;a ds [kkrs vkSj r`rh; i{k ds [kkrs esa jkf'k varj.k ds vU; cSadksa dks Hkh vkWu ykbu jkf'k varj.k dj ldrs gSaA us=kghu O;fDr;ksa ds fy, fjVsy baVjusV cSafdax dh lqfo/k Hkh miyC/ djkbZ xbZ gSA fjVsy xzkgdksa gsrq vkWu ykbu cpr [kkrk [kksyus dh SBBJONLINE lqfo/k Hkh miyC/ gSA dkWiksZjsV xzkgdksa ds fy, vkWu ykbu fe;knh tek@ fo'ks"k fe;knh tek (e-TDR/STDR) [kkrs [kksyus o lkFk gh vkWu ykbu fuf/ laxzg.k gsrq ,d ubZ lqfo/k ^,lch&dySDV* çnku dh x;h gSA dkiksZjsV xzkgdksa ds fy, vkWu ykbu Hkqxrkuksa dks lqjf{kr djus gsrq fMftVy gLrk{kj çek.ki=k dh lqfo/k fØ;kfUor dh x;h gSA

LVsV cSad ,uhOgs;j&,lksf'k,V cSaDl% fjVsy baVjusV cSafdax ds ç;ksDrkvksa ds fy, ^^LVsV cSad ,uhOgs;j&,lksf'k,V cSaDl** dk 'kqHkkjEHk fd;k x;k gSA ;g ,fIyds'ku xwxy IysLVksj ij rFkk iOS IysViQkWeZ ij Hkh miyC/ gSA cSad esa vius [kkrksa @ vU; [kkrksa @ vU; cSadksa ds [kkrksa esa fuf/ varj.k] vkWu ykbu bZ&fe;knh tek@ bZ&fo'ks"k fe;knh tek@ bZ&vkorhZ tek [kkrk [kksyus] fcyksa ds Hkqxrku vkfn lqfo/k,a Hkh miyC/ gSA

baVjusV cSafdax }kjk fcy Hkqxrku% cSad baVjusV cSafdax ds ekè;e ls fofHkUu lqfo/k çnkrk lsokvksa ;Fkk VsyhiQksu fcy] eksckby fcy] chek çhfe;e] ,lchvkbZ ØsfMV dkMZ Hkqxrku] çeq[k 'kS{kf.kd laLFkkuksa dh iQhl tek o flf¼fouk;d efUnj esa nku

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INFORMATION TECHNOLOGY

Bank is providing hi-tech state of the art services through well established CBS platform across all the branches. Value Added Services like multi functional ATMs, Internet Banking, Mobile Banking, flexi deposit scheme, multi city cheque facility, instant credit of local and outstation cheques, ECS facility etc. for all type of Debit/credit transactions in CBS, e-KYC for creation of new customers has been introduced in CBS and now customers having Aadhaar number need not bring any documentary proof for opening of new accounts.

The Bank has undertaken a host of IT initiatives such as:

E-Lobby: 14 e-lobbies with state of the art technology added services have been rolled out at various locations to attract the young generation & accustomed customers with latest technology driven initiatives. The Bank has rolled out one of the largest e-Lobby in Rajasthan state at SMS Highway Jaipur Branch.

Automated Teller Machines (ATMs): Bank has installed 212 ATMs during the year taking the total number of ATMs to 1954. All the ATMs are connected to the network of State Bank Group ATMs, thereby enabling more than 1.19 crores card holders of the Bank to have free access to over fifty seven thousand ATMs of the State Bank Group all over the country.

In addition to 48 Cash Deposit Machines (CDMs) installed till last year, Bank has installed 41 Cash Recyclers including 3 CDMs which were converted to recycler in this financial year. During the year 2015-16, Bank installed ATMs

at 30 Bus-stands/ workshops of RSRTC across Rajasthan, facilitating travellers to withdraw cash. Bank also installed 18 ATMs in all stations of Jaipur Metro Rail.

Mobile ATM Van: Bank has launched 2 mobile ATM vans at Jaipur & Udaipur, to facilitate door step services to the card holders and make them aware about the Bank’s Deposits & Loans Schemes and various alternate delivery channels.

Internet Banking: Internet banking facility is made available to our retail as well as corporate customers. Looking to the rapid increase in the usage of Internet banking worldwide, the Bank has introduced several new features during the year. Apart from own account and third party transfer within bank, customers from the comfort of their home or office can transfer funds to other banks online. Retail Internet Banking facility for visually challenged persons has also been made available. Online SB account opening through SBBJONLINE is also available for Retail customers. For Corporate customers, facility for opening online e-TDR/STDR and a new facility 'SB - Collect', for on line collection of funds has been provided. For Corporate customers, mode of Digital Signature Certificate has been enabled for securing online payments

State Bank Anywhere - Associate Banks: “State Bank Anywhere- Associate Banks” has been launched by the Bank for retail internet banking users. The Application is available at Google Play store and is also available for iOS platform. Facilities like funds transfer to Own A/c/IntraBank/Interbank, online creation of e-RD/

e-TDR/e-STDR, Bill Payments etc. are also available.

Bill Payment Through Internet Banking: Bank is providing utility bill payment for various initiatives such as Telephone bill, Insurance premium, payment of fees and donations to Siddhi Vinayak Temple through Internet Banking.

SBBJ Instapay is a Centralized solution where no prior registration is required has been made available.

Green Remit Card Plus (GRC+): Bank has rolled-out the Green Remit Card Plus (GRC+) initiative to Non-Home Branch Cash Deposit transactions. Walk-in customers, not having bank account (e.g. migrant workers) can apply and use GRC+ card at any AB branch. Through GRC+ card, they can remit cash to Beneficiary holding account with any SB Group branch.

Self Service Kiosk (SSK): SSKs have been installed at various branches of our Bank and customers can perform financial and non-financial transactions such as passbook printing, Balance enquiry, funds transfer etc. using State Bank ATM-cum-Debit Cards at these SSKs. The SSK solution has user friendly touch screen based customer interface.

Core Banking Solution (CBS): All our branches are running successfully on Core Banking Solution since 2005. SMS alert is sent to customers who opts for SMS alert service and where mobile no. is registered with the Bank regarding transactions in the account, due date of installments etc.

Missed Call Banking (SBBJ Quick): Through this service, which is

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nsus dh lqfo/k,a çnku djok jgk gSA ,lchchts bULVkis uked ,d dsaæh;d`r lek/ku Hkh miyC/ djok;k x;k gS] ftlds varxZr iwoZ iath;u vko';d ugha gSA

xzhu jsfeV dkMZ Iyl (thvkjlh$)% cSad us xSj x`g 'kk[kk udn tek (Non-Home Branch Cash Transactions) dks n`f"Vxr j[krs gq, xzhu jsfeV dkMZ Iyl (GRC+) dk 'kqHkkjaHk fd;k gSA 'kk[kk esa vkus okys os xzkgd ftudk dksbZ cSad [kkrk ugha gS (mnkgj.kkFkZ çoklh dkexkj) vkosnu dj ldrs gSa rFkk GRC+ dkMZ dk mi;ksx fdlh Hkh lg;ksxh cSad 'kk[kk esa dj ldrs gSaA GRC+ dkMZ ds ekè;e ls os LVsV cSad lewg dh fdlh Hkh 'kk[kk esa ykHkkFkhZ }kjk lapkfyr [kkrs esa udnh çsf"kr dj ldrs gSaA

Lo;a lsok fd;ksLd% Lo;a lsok fd;ksLd gekjs cSad dh fofHkUu 'kk[kkvksa esa LFkkfir fd, x, gSaA bu fdvksLdksa esa xzkgd LVsV cSad ,Vh,e&lg&MsfcV dkMZ dk mi;ksx dj foÙkh; vkSj xSj foÙkh; ysu&nsu ;Fkk iklcqd fçafVax] [kkrk 'ks"k laca/h iwNrkN] fuf/ varj.k vkfn dj ldrs gSaA ,l,lds lek/ku mi;ksxdrkZ dh lqfo/k ds vuqdwy Vp LØhu vk/kfjr xzkgd baVjiQsl gSA

dksj cSafdax lksY;q'ku (lhch,l)% cSad dh lHkh 'kk[kk,a o"kZ 2005 ls dksj cSafdx lksY;w'ku (lhch,l) ij liQyrk iwoZd dk;Z dj jgh gSA ftu xzkgdksa ds eksckby uEcj cSad esa iathd`r gSa o tks ,l,e,l vyVZ lqfo/k pqurs gSa] mUgsa muds [kkrs ds ysunsu] ½.k fd'rksa dh ns; frfFk vkfn ds fy;s ,l,e,l vyVZ Hkstk tkrk gSA

feLM dky cSafdx (,lchchts fDod)% foÙkh; o"kZ 2015&16 ds nkSjku cSad us feLM dky cSafdx (,lchchts fDod) çkjEHk dh gS ftlds varxZr leLr cpr ,oa pkyw@udn lk[k [kkrk /kjd] ftuds eksckbZy uEcj lhch,l esa iathd`r gSa]

VksyizQh uEcj ij ek=k ,d feLM dky nsdj vius [kkrs dk v|ru 'ks"k ;k fiNys ikap foÙkh; ysunsuksa dh lwpuk vius eksckbZy ij çkIr dj ldrs gSaA

vf[ky Hkkjrh; eujsxk Hkqxrkuksa dk çlaLdj.k% cSad us çR;{k ykHk LFkkukUrj.k laca/h fu.khZr çksVksdkWy vuqlkj fnukad 01-01-2016 ls egkRek xka/h jk"Vªh; xzkeh.k jkstxkj xkjaVh vf/fu;e (eujsxk) ds rgr etnwjh ds Hkqxrku gsrq jk"Vªh; bZ&,iQ,e,l (,ubZ&,iQ,e,l) ykxw dj fn;k gSA

,ubZ&,iQ,e,l ds fØ;kUo;u ls Hkkjr ljdkj ds xzkeh.k fodkl ea=kky; }kjk ekU;rk çkIr cSad ds :i esa jkT; eujsxk ds uksMy [kkrksa esa jk"VªO;kih eujsxk dk /u gLrkarfjr dj ldrk gSA

orZeku esa] ;g dsjy jkT; esa ykxw fd;k x;k gS rFkk ckn esa lHkh jkT;ksa dks ,ubZ&,iQ,e,l ds rgr 'kkfey fd;k tk,xk ftl ls vuqekur% `35000 djksM+ dk /u çokg gksxkA

gekjs cSad dks fcgkj jkT; ds fy, Hkh çk;kstd cSad pquk x;k gS tgka ge lHkh çdkj ds eujsxk Hkqxrkuksa dks ykHkkfFkZ;ksa ds [kkrksa esa lh/s gh çlaLd`r djsaxs A ge jktLFkku jkT; esa igys ls gh çk;kstd cSad ds :i esa foxr 3 o"kksaZ ls eujsxk Hkqxrkuksa dks dq'kyrkiwoZd çlaLd`r dj jgs gSaA

cSad lwpuk çkS|ksfxdh esa lrr uoksUes"kh ç;ksxksa o ç;klksa dks loksZPp çkFkfedrk nsrk vk jgk gS rkfd u dsoy xzkgd lsok esa vkSj lq/kj yk;k tk lds oju 'kh"kZ çca/u dks Hkh fofo/ ,Iyhds'kUl ds ekè;e ls fofHkUu O;olk; ekunaMksa@çeq[k ladsrdksa ij cSad dh çxfr dh fuxjkuh@leh{kk djus esa enn fey ldsA

cSad us IDRBT }kjk vk;ksftr Banking Application Contest (IBAC)&2016 esa liQyrkiwoZd Hkkx fy;k o ftlesa Vhe

,lchchts fiad (SBBJ Pink) o ,lchchts ik;ksfu;lZ (SBBJ Pioneers) dh çfof"V;ka Øe'k% “SBBJ Touch & Get” o “Meetings Info Mobile App” p;fur dh xbZaA

tgka “SBBJ Touch & Get” vius iQhpjksa ;Fkk vodk'k dysaMj] ½.k bZ,evkbZ] fe;knh tek C;kt x.kd] ,Vh,e o 'kk[kk LFkku ladsrdksa ;qDr xzkgd ds fy, ,d lqfo/ktud] vklkuh ls ç;qDr fd, tk ldus] U;wure ifjpkyu funsZ'kksa lfgr fdUrq vf/dre lwpuk çnku djus okyk ,i (app) gS] ogha “MeetingsInfo Mobile App” 'kh"kZ çca/u dks fofHkUu cSBdksa esa çLrqr enksa ds lesdu djus o lkFk gh fofHkUu cSBdksa ds vk;kstu frfFk;ksa vkfn ds Lej.k gsrq lgk;d gSA

vkarfjd fu;a=k.k] fujh{k.k ,oa vads{k.k

cSad esa lqjf{kr ,oa csgrj ifjpkyu ds fy;s leqfpr vkarfjd fu;a=k.k lqfuf'pr djus gsrq ,d lqLFkkfir lqlaxfBr o Lora=k vads{k.k ç.kkyh ,oa rU=k fo|eku gSaA Hkkjrh; fjtoZ cSad ds tksf[ke vk/kfjr fujh{k.k <kaps ds varxZr fopkfjr tksf[ke ewY;kadu o vkarfjd fu;a=k.k ra=k ij dsfUær] tksf[+ke vk/kfjr vkarfjd vads{k.k fd;k tkrk gSA

foÙkh; o"kZ 2015&2016 ds nkSjku 736 'kk[kkvksa ,oa O;olk; çfØ;k vfHk;kaf=kdh (chihvkj) çdks"Bksaa dk vkarfjd vads{k.k fd;k x;kA

laxkeh vads{k.k

cSad ds 31-03-2016 dks vfxzeksa dk 64-71% rFkk cSad tekvksa dk 40-40% O;olk; vko`r djrh gqbZ 131 'kk[kk,a rFkk O;olk; çfØ;k vfHk;kaf=kdh (chihvkj) varxZr 35 dsUæksa@ çlaLdj.k dsUæksa dks laxkeh vads{k.k dh ifjf/ esa yk;k x;k gSA blds vfrfjDr ç/ku dk;kZy; ds 12 foHkkxksa dks Hkh laxkeh vads{k.k gsrq lfEefyr fd;k x;k gS A

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introduced in FY 2015-16, our Savings and Current/Cash Credit Account holders, who have got their mobile numbers registered under CBS, can get information of latest balance or last five financial transactions in their account, just by giving a missed call on a toll-free number.

Processing of pan-India MGNREGA Payments: We have implemented National e-FMS (Ne-FMS) for direct release of wages under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) in accordance with the protocol finalized under the Direct Benefit Transfers w.e.f 01.01.2016.

With implementation of NeFMS, as an Accredited Banker of Ministry of Rural Development (MoRD), Govt. of India, our Bank will transfer all the funds for MGNREGA nationwide (pan-India) to the State MGNREGA nodal accounts.

Presently, it is implemented for State of Kerala and later all states will be covered in NeFMS amounting approximate fund flow of `35000 Crores

Also, we have been chosen as Sponsor Bank for the State of Bihar where we will be processing all types of MGNREGA Payments directly in the accounts of beneficiaries. We are already Sponsor Bank for the State of Rajasthan and efficiently processing the MGNREGA payments for last 3 years.

The Bank continues to impart utmost priority towards consistent improvisation and continuing innovation in IT , so as to not only further improve its customer service but also to facilitate the Management in monitoring of

Processing Centres (under BPR initiatives) cover 64.71% of advances and 40.40% of deposits as on 31.03.2016. 12 Head Office Departments have also been placed under Concurrent Audit.

INFORMATION SYSTEM (IS) AUDIT

IS Audit of the branches is conducted as an integral part of regular Audit & Inspection. Information System Audit Cell is in place to conduct IS audit of major IT establishments, Head Office establishements including Core Banking Project, Zonal Computer Centres, etc. in accordance with I.T. Policy, IT Security Policy and I.S. Audit Policy of the bank which conforms to the guidelines issued by RBI from time to time.

As at the end of March, 2016, 99.61% of the Bank's branches were rated “Well Controlled” and “Adequately Controlled ".

Model Operational Procedure for Settlement of Claims of Deceased Depositors & Return of Articles in safe Deposit Lockers/ Safe Custody

With a view to mitigate the hardships faced by the legal heirs, a policy guidelines on the Operational Procedure for Settlement of Claims of Deceased constituents in line with Indian Banks Association have made and issued a comprehensive “model operational procedure for deceased constituents.

CUSTOMER SERVICE

Bank continues to accord top priority for Customer Service. Our success in this service industry to a very large extent depends on the satisfaction level of our customers. The environment, being intensely competitive, quality of service we offer becomes the real differentiator

the Bank’s progress under key business parameters with various applications having been launched during the year.

The Bank participated in the Banking Application Contest (IBAC)-2016 by the IDRBT and came out with flying colours, with two entries viz. “SBBJ Touch and Get” & “MeetingsInfo Mobile app” by Team SBBJ Pink and SBBJ Pioneers respectively getting selected therein.

While SBBJ Touch & Get has been designed as a customer friendly and easy to use app with minimum set of instructions and maximum information delivery through features like Holiday calendar, Loan EMI, FDR interest Calculator, ATM locator & Branch locator , the MeetingsInfo Mobile App is aimed at facilitating the Top Management in consolidating agendas and keeping a track of various meetings.

INTERNAL CONTROL, INSPECTION AND AUDIT

The Bank has in place a well established independent audit system and structure to ensure adequate internal control for safe and sound operations. Internal Audit is carried out under Risk Focused Internal Audit (RFIA) as envisaged under Risk Based Supervision of RBI with focus on assessment of risk on the basis of inherent business risk and internal control mechanism.

During FY 2015-2016, 736 Branches and Business Process Re-engineering (BPR) initiatives have been subjected to Internal Audit.

CONCURRENT AUDIT

131 branches and 35 Centres/

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lwpuk ç.kkyh vads{k.k

'kk[kkvksa dk lwpuk ç.kkyh vads{k.k mudh fu;fer vads{k.k o fujh{k.k ds gh ,d vfHkUu vax ds :i esa lekfgr gSA cSad esa lwpuk ç.kkyh vads{k.k çdks"Bu fo|eku gS tks fd lwpuk çkS|ksfxdh uhfr o lwpuk çkS|ksfxdh lqj{kk uhfr çys[k ds vuq:i rFkk Hkkjrh; fjtoZ cSad }kjk le;&le; ij tkjh fd;s x;s fn'kk funsZ'kksa dh vuqikyuk djrs gq, dksj cSafdx çkstsDV] vapy dEI;wVj dsUæksa vkfn lfgr ç/ku dk;kZy; laLFkkuksa dk lwpuk ç.kkyh vads{k.k djrk gSA

ekpZ 2016 ds vUr rd cSad dh dqy 'kk[kkvksa dh 99-61% 'kk[kk,a ^lqfu;af=kr** ,oa ^^i;kZIr #i ls fu;af=kr** Js.kh esa oxhZd`r Fkha A

e`rd [kkrsnkjksa ,oa lqjf{kr tek ykWdj@ lqjf{kr vfHkj{kk oLrqvksa ds nkoksa ds fuiVku ds fy, ekWMy ifjpkyukRed dk;Zfof/

e`rd nkosnkjksa ds fof/d mÙkjkf/dkfj;ksa dh ijs'kkfu;ksa dks de djus ds mís'; ls] Hkkjrh; cSad la?k ds fn'kkfunsZ'kksa ij geus e`rd nkosnkjksa ds nkoksa ds fuiVku ds fy, ifjpkyukRed dk;Zfof/ cukbZ gS ,oa e`rd nkosnkjksa ds fy, ifjpkyukRed dk;Zuhfr dks foLrkj iwoZd tkjh fd;k x;k gSA

xzkgd lsok

cSad xzkgd lsok dks yxkrkj loksZPp çkFkfedrk çnku djrh gSA bl lsok çnkrk m|ksx esa gekjh liQyrk dkiQh gn rd gekjs xzkgdksa ds larqf"V Lrj ij fuHkZj djrh gSA xgu ,oa lrr çfrLi/kZ ds orZeku okrkoj.k esa lsok dh xq.koÙkk gh gesa okLrfod rkSj ij cktkj esa vkSjksa ls vyx igpku fnykrh gSA

xzkgdksa dks çnÙk dh tk jgh xzkgd lsok dh leh{kk djus gsrq funs'kd eaMy dh

xzkgd lsok lfefr ,oa xzkgd lsok dh LFkk;h lfefr dh cSBdsa fu;fer varjky ij vk;ksftr dh tkrh gSA ,slh gh lfefr;ka 'kk[kkvksa ,oa vapy dk;kZy;ksa esa Hkh dk;Z dj jgh gSa tks xzkgd lsok ekudksa esa fujarj lq/kj gsrq lgk;d gSA

o"kZ ds nkSjku cSad ds orZeku ,oa Hkkoh xzkgdksa ds fy, cSafdax lsok dks vf/d ikjn'khZ ,oa lqyHk cukus gsrq nks ubZ uhfr;ksa ;Fkk ^^xzkgd vf/dkj uhfr** ,oa ^'kk[kkvksa ds lkekU; çcU/u dh uhfr** ykxw dh x;h gSaA Hkkjrh; cSad la?k ds fn'kk&funsZ'kksa ds vk/kj ij fnukad 11-09-2015 dks ^xzkgd vf/dkj i=k**] tks fd loZçFke ebZ 2005 esa cSd esa dk;kZfUor fd;k x;k Fkk] dks Hkh la'kksf/r fd;k gSA

xzkgd f'kdk;r fuokj.k ra=k

cSad esa ,d cgqLrjh; f'kdk;r fuokj.k ra=k fo|eku gS tks xzkgdksa dh fofo/ leL;kvksa dk lek/ku djrk gSA ,d vlarq"V xzkgd 'kk[kk@ {ks=kh;@ vapy ;k ç/ku dk;kZy; ds Lrj ij dgha Hkh viuh fyf[kr f'kdk;r ntZ dj ldrk gS vFkok cSad dh osclkbV ij n'kkZ;s iQkeZ ij vkWu ykbu vFkok bZesy }kjk f'kdk;r ntZ dj ikorh çkIr dj ldrk gSA

eq[; xzkgd lsok vf/dkjh (vkarfjd yksdiky)% xzkgd f'kdk;r fuokj.k ç.kkyh dks vkSj lqn`<+ djus o cSafdax yksdiky dks dh tkus okyh f'kdk;rksa esa deh yk;s tkus ds mís'; ls Hkkjrh; fjtoZ cSad us leLr cSadksa dks eq[; xzkgd lsok vf/dkjh fu;qDr fd, tkus gsrq fufnZ"V fd;k gS] tks ;g lqfuf'pr djsxk fd cSafdax yksdiky dks mrjksÙkj fuokj.k gsrq çsf"kr dh tkus okyh f'kdk;rsa de ls de jgsaA mldh Hkwfedk cSad dh vkarfjd xzkgd f'kdk;r fuokj.k ç.kkyh ds çfr xzkgdksa dk fo'okl lqn`<+ djus gsrq dsfUær gksxhA

rnuqlkj] gekjs cSad us eq[; xzkgd lsok

vf/dkjh (vkarfjd yksdiky) dh uoacj 2015 esa fu;qfDr dh gSA

eq[; xzkgd lsok vf/dkjh (vkarfjd yksdiky) mu f'kdk;rksa dks ns[ksaxs tks fd cSafdax yksdiky ;kstuk dh vuqlwph 8 varxZr lwphc¼ gSa o ftudk cSad dh vkarfjd f'kdk;r fuokj.k ç.kkyh varxZr fuokj.k ugha gks ldk gSA

,sls leLr ekeys] tgka cSad f'kdk;r dks fujLr djus vFkok f'kdk;rdrkZ dks vkaf'kd jkgr çnku fd, tkus dk fu.kZ; ysrk gS] l{ke çkf/dkfj;ksa }kjk f'kdk;rdrkZvksa dks fu.kZ; ls voxr djk;s tkus ls iwoZ eq[; xzkgd lsok vf/dkjh dks vuqorhZ foospu@ tkap gsrq vfuok;Z :i ls lanfHkZr fd, tk,axsA

eq[; xzkgd lsok vf/dkjh (vkarfjd yksdiky) dk bu ekeyksa esa fu.kZ; cSad ij ckè; gksxk o cSad bls Lohdkj djsxkA

,sls ekeys] ftuesa f'kdk;rdrkZvksa dh Lakrqf"V ds vuq:i f'kdk;r dk fuokj.k ugha gks ikrk gS] muesa eq[; xzkgd lsok vf/dkjh (vkarfjd yksdiky)vkSj@vFkok cSad f'kdk;rdrkZvksa dks lwfpr djsaxs fd os lacfU/r {ks=kkf/dkj ds cSafdax yksdiky dks laidZ dj ldrs gSaA

f'kdk;rksa @ cSafdx yksdiky ds dk;kZfUor u fd;s x;s vf/fu.kZ;ksa dk çdVu%&

Hkkjrh; fjtoZ cSad ds ifji=k MhchvksMh la- ,ybZthchlh 60@09-07-005@2006&07 fnukad 22-02-2007 ds lanHkZ esa xzkgdksa dh f'kdk;rksa ,oa cSafdx yksdiky }kjk ikfjr vf/fu.kZ;ksa ds lEcU/ esa lwpuk uhps lkj.kh esa nh xbZ gSA

(v) xzkgd f'kdk;rsa

(d) o"kZ ds izkjEHk esa yfEcr f'kdk;rksa dh la[;k

5

([k) o"kZ ds nkSjku izkIr f'kdk;rksa dh la[;k

6570

32 3332 3332 33

in the market.

The meetings of the Customer Service Committee of the Board and Standing Committee on Customer Service are convened at regular intervals to review the position of customer service rendered. Similar Committees are also functioning at Branches, Zones and Head Office, which help in continuous improvement in service standards.

During 2015-16, we have formulated two new policies namely; “Customer Rights Policy” and “Policy on General Management of the Branches” for making the banking more transparent and in easy approach of existing and future customers. We have revised our “Citizens Charter” on 11.09.2015 based on the guidelines received from the IBA, which was first time implemented in May 2005 in our Bank.

CUSTOMER GRIEVANCES REDRESSAL MECHANISM

The Bank has put in place a multi pronged grievances redressal mechanism to suit varied customer requirements. An aggrieved customer can either make a written complaint at branch / regional / zonal / head office of the Bank or make an online submission in the form provided on the Bank's website / through e-mail against acknowledgement.

Chief Customer Service Officer (Internal Ombudsman): In order to further strengthen the customer grievance redressal system and to minimize the number of complaints to the Banking Ombudsman, RBI directed all Banks to appoint a Chief Customer Service Officer (CCSO) who would ensure that

minimum number of complaints are escalated to Banking Ombudsman. His role would aim at strengthening customer confidence in the Bank's internal customer grievances redressal system.

Accordingly, our Bank has appointed CCSO (Internal Ombudsman) in the month of November 2015.

The CCSO (Internal Ombudsman) will examine the grievances which are on the ground listed in the BO Scheme under clause 8 and which were not resolved by the bank's internal grievances redressal mechanism.

In all those cases when the Bank decides to reject a complaint or decides to provide only partial relief to the complainant, the matter will be invariably referred to CCSO for further examination before the Controlling Authorities convey their decisions to the complainants.

The CCSO's (Internal Ombudsman's) decision shall be binding on the Bank and the Bank will accept it.

In cases the complaints are not resolved to the satisfaction of the complainants, the CCSO (Internal Ombudsman) and /or the Bank will advise the complainants that they can approach the Banking Ombudsman of the jurisdiction concerned.

DISCLOSURE OF COMPLAINTS/UNIMPLEMENTED AWARDS OF BANKING OMBUDSMAN:-

In terms of RBI circular DBOD.No.Leg BC.60/09.07.005/2006-07 dated 22.02.2007, the information in respect of customer complaints and awards passed by the Banking

Ombudsman are given in the table below :-

A. Customer Complaints

(a)No. of Complaints pending at the beginning of the year

5

(b)No. of Complaints received during the year

6570

(c)No. of Complaints redressed during the year

6573

(d)No. of Complaints pending at the end of the year

2

B. Awards passed by the Banking Ombudsman

(a)No. of un-implemented Awards at the beginning of the year 0

(b)No.of Awards passed by the Banking Ombudsman during the year

0

(c)No. of Awards implemented during the year 0

(d)No. of un-implemented Awards at the end of the year

0

RIGHT TO INFORMATION

The Right to Information (RTI) Department was constituted at the Bank's Head Office in December, 2010 for better coordination and effective implementation of the Right to information Act, 2005. The Department has since then been instrumental in ensuring that information sought for under the various RTI applications received by them is dispensed with efficiently and effectively in a time bound manner as per the provisions of the RTI Act, 2005 and that the appeals too, if received, are redressed timely, while also complying with the directives of the Hon'ble Central Information Commission (CIC) in this regard.

In financial year 2015-16, the RTI Department received 1753 applications under the RTI Act, 2005, out of which 1713 applications were disposed off

34 3534 3534 35

(x) o"kZ ds nkSjku nwj dh xbZ f'kdk;rksa dh laa[;k

6573

(?k) o"kZ ds var esa yfEcr f'kdk;rksa dh la[;k

2

(c) cSafdax yksdiky }kjk ikfjr vf/fu.kZ;

(d) o"kZ ds izkjEHk esa dk;ZfUor u fd;s x;s vf/fu.kZ;ksa dh la[;k

0

([k) o"kZ ds nkSjku cSafdax yksdiky }kjk ikfjr vf/fu.kZ;ksa dh la[;k

0

(x) o"kZ ds nkSjku dk;kZfUor fd;s vf/fu.kZ;ksa dh la[;k

0

(?k) o"kZ ds var esa dk;kZfUor u fd;s x;s vf/fu.kZ;ksa dh la[;k

0

lwpuk dk vf/dkj

lwpuk dk vf/dkj vf/fu;e] 2005] ds lqpk: leUo; ,oa çHkkoh dk;kZUo;u ds mís'; ls cSad ds ç/ku dk;kZy; esa lwpuk dk vf/dkj foHkkx dk xBu fnlEcj] 2010 esa fd;k x;k rFkk ;g foHkkx viuh LFkkiuk ls gh lwpuk dk vf/dkj vf/fu;e] 2005 ds çko/kuksa dh vuqikyuk djrs gq, ;g lqfuf'pr djrk vk jgk gS fd u dsoy vf/fu;e ds vUrxZr mls çkIr fofHkUu vkosnu i=kksa esa ok¡fNr lwpukvksa dk çHkkoh o le;c¼ fuLrkj.k gks] vfirq vihysa Hkh] ;fn çkIr gks] rks mudk Hkh çHkkoh o le;c¼ fuokj.k gks rFkk bl fo"k; esa ekuuh; dsUæh; lwpuk vk;ksx ds uhfr&funsZ'kksa dh Hkh lekukUrj vuqikyuk lqfuf'pr gksA

foÙkh; o"kZ 2015&16 esa lwpuk dk vf/dkj foHkkx dks lwpuk dk vf/dkj vf/fu;e] 2005 ds vUrxZr dqy 1753 vkosnu çkIr gq, o buesa ls 1713 vkosnuksa dk fuLrkj.k dj fn;s tkus mijkar fnukad 31-03-2016 dks 40 vkosnu fuLrkj.k gsrq yfEcr FksA

mijksDr ds vfrfjDr] lwpuk dk vf/dkj foHkkx dks foÙkh; o"kZ 2015&16 esa lwpuk dk vf/dkj vf/fu;e] 2005 ds varxZr

127 vihysa Hkh çkIr gqbZ rFkk vihyh; çkf/dkjh }kjk 120 vihyksa dk fuLrkj.k dj fn;s tkus mijkar fnukad 31-03-2016 dks 07 vihy fuLrkj.k gsrq yfEcr FkhA

O;olk; çfØ;k iqu% vfHk;kaf=kdh

foÙkh; o"kZ 2015&16 ds nkSjku] O;olk; çfØ;k iqu% vfHk;kaf=kdh (chihvkj) vfHkØe vkSj vf/d fLFkj gq, rFkk mudh O;kfIr vkSj vf/d 'kk[kkvksa rd c<+kbZ xbZ gSa A cSad 12 'kgj dsUæLFk dsUæh; ½.k çfØ;k dsUæ ;Fkk vkj,lhihlh (RACPC)@ ,l,ebZlhlhlh (SMECCC)@ vkj,,l,ebZlhlhlh (RASMECCC) dk lapkyu dj jgk gS rFkk 11 dsUæksa ij vafre pj.k (End State) rd laca¼ 313 'kk[kk,a gSaA xzkeh.k dsUæh;d`r çlaLdj.k dsaUæ (RCPC) dh O;kfIr 22 dsaUæksa ij 497 'kk[kkvksa rd c<+kbZ xbZ gS A

xSj ½.k çfØ;k dsUæ vfHkØe ;Fkk dsUæh; ns;rk çfØ;k dsaæ (LCPC)] O;olkf;d foÙk dsUæh; çfØ;k dsaæ (TFCPC)] dsUæh;d`r isa'ku çfØ;k dsaæ (CPPC)] fjys'kuf'ki çcU/d&oS;fDrd cSafdax (RMPB)] vkokl ½.k foØ; Vhe (HLST) vkfn us xzkgd lsok esa vkSj vf/d lq/kj ykus esa enn dh gSA

eqæk çca/u

jktLFkku esa gekjs cSad dk lokZf/d foi.ku va'k (Market share) gksus ds dkj.k Hkkjrh; fjtoZ cSad us jkT; esa gekjh 199 'kk[kkvksa dks ,oa ns'k ds vU; Hkkxksa es fLFkr 11 'kk[kkvksa dks eqæk frt+ksjh 'kk[kkvksa ds :i es ukfer fd;k gSA gekjh leLr eqæk frt+ksjh 'kk[kk,¡ Hkkjrh; fjtoZ cSad }kjk fufnZ"V xfrfof/;ksa dk çHkkoh :i ls fu"iknu dj jgh gSA

ijLij foØ;

cSad us vius laiw.kZ foÙkh; mRiknksa dks xzkgdksa dks miyC/ djkus gsrq thou ,oa xSj thou chek] E;wP;wvy iQ.M ,oa ØsfMV dkMZ mRiknksa dk foi.ku xSj C;kt

vk; dks c<kus ds fy;s tkjh j[kkA o"kZ 2015&16 ds nkSjku cSad dks ijLij foØ; xfrfof/;ksa ls `37-18 djksM+ dh dqy vk; gqbZ gS A

lkekftd lsok cSafdax

,d tkx:d o ftEesnkj dkiksZjsV ukxfjd gksus ds ukrs o lekt dh lsok djus ds mís'; ls cSad }kjk vf/d ls vf/d yksxksa dh lgk;rkFkZ fofHkUu lkekftd xfrfof/;ka lEikfnr dh tkrh gSaA ,slh lkekftd xfrfof/;ksa gsrq cSad dk çeq[k dsUæfcUnq fo|ky;ksa ds cPpksaa] çkd`frd vkinkvksa ls çHkkfor yksxksa] foifÙk esa iQals yksxksa] i;kZoj.k lacaf/r xfrfof/;ka rFkk lekt ds gj oxZ dks ykHkkfUor djus ;ksX; xfrfof/;ksa dh vksj jgrk gSA o"kZ ds nkSjku dh xbZ çeq[k lkekftd lsok xfrfof/;ka (dWkiksZjsV lkekftd mÙkjnkf;Ro) fuEu gSa%&

y cSad }kjk fofHkUu ljdkjh fo|ky;ksa esa ckfydkvksa ds fy;s 103 'kkSpky;ksa ds fuekZ.k ds fy;s foÙkh; lg;ksx çnku fd;k ftuesa 93 fo|ky; jktLFkku esa fLFkr gSaA

y cSad us jktLFkku ds dqN fgLls esa vfro`f"V ls çHkkfor yksxksa dh lgk;rkFkZ o jkgr dk;ksaZ gsrq jktLFkku eq[;ea=kh lgk;rk dks"k esa `1-00 djksM+ dk nku fd;kA

y usiky esa vk, HkwdEi ls çHkkfor yksxksa ds fy;s 1000 dEcy çnku fd, x,A

y cSad }kjk pSUubZ esa ck<+ çHkkfor yksxksa dks vko';d lkexzh miyC/ djkbZ xbZA

y rhu pSfjVscy laLFkkuksa ;Fkk viuk ?kj vkJe] vtesj (jktLFkku)] tkSgj gSYFk esaVsusal vkxZukbts'ku] gtkjhckx (>kj[kaM) ,oa ,Dlsl gSYFk ds;j ,y,ylh laLFkku] t;iqj (jktLFkku) dks ,sEcwysal miyC/ djkbZ xbZA

34 3534 3534 35

and 40 applications were awaiting disposal as on 31.03.2016.

Besides, the Department also received 127 appeals under the RTI Act, 2005 in financial 2015-16 and out of which 120 appeals were disposed off and 07 appeals were awaiting disposal as on 31.03.2016.

BUSINESS PROCESS RE-ENGINEERING

Business Process Re-engineering (BPR) initiatives started in previous years stabilized further during 2015-16 and their coverage was extended to more branches. Bank operates 12 city-centric loan CPCs, viz. Retail Assets Central Processing Centre (RACPC)/ Small & Medium Enterprises City Credit Centre (SMECCC)/ Retail Assets and Small & Medium Enterprises City Credit Centre (RASMECCC) having end-state at 11 centres with 313 branches linked to them. Coverage of Rural Central Processing Centre (RCPC) was increased to 497 branches at 22 centres.

Non loan CPCs initiatives like Liability Central Processing Centre (LCPC), Trade Finance Central Processing Centre (TFCPC), Central Pension Processing Cell (CPPC), Relationship Manager- Personal Banking (RMPB), Housing Loan Sales Team (HLST) etc have helped in further improvement in customer service.

CURRENCY MANAGEMENT

Owing to our Bank having the highest market share in Rajasthan, RBI has designated our Bank’s 199 branches as Currency Chest Branches in the state and 11 Currency Chest branches in other

parts of the country. All our Currency Chest branches are undertaking the activities prescribed by RBI in an efficient manner.

CROSS SELLING

The Bank continues to market life and non-life insurance, mutual fund and credit card products to provide a full bouquet of financial products to its customers and augment its non interest income. The Bank earned a total income of `37.18 crores from cross selling activities during financial year 2015-16.

COMMUNITY SERVICES BANKING

As a responsible Corporate Citizen, the Bank undertakes various community based social activities to serve the society at large. The main focus of such social activities has been school going children, people affected by natural calamities, people under distress, environment related activities and activities which in general benefit all section of the society.

The major CSR initiatives under

taken by the Bank during the year 2015-16 are as follows:-

y The Bank extended financial support for construction of 103 toilets for girl students across various Government schools including 93 toilets in schools located in Rajasthan.

y The Bank donated `1.00 crore to Rajasthan Chief Minister Relief Fund for relief measures for people affected by heavy rains in part of the Rajasthan.

y Provided 1000 blankets to earthquake affected people of Nepal.

y Bank has extended help by providing essential provisions to the people affected by the floods in Chennai.

y Ambulances were provided to three charitable Institutions- Apna Ghar Ashram, Ajmer (Rajasthan), Johar Health Maintenance Organization Hazaribagh (Jharkhand) and Access Health Care LLC Sanstha, Jaipur (Rajasthan).

dkWiksZjsV lkekftd mÙkjnkf;Ro varxZr ,d lkekftd lsok iz;kl

A Community Service Responsibility (CSR) initiative by the Bank

36 3736 3736 37

y vkn'kZ f'k{kk lfefr ifj"kn] t;iqj dks Ldw~y cl nku nh x;hA

y jktLFkku us=kghu dY;k.k la?k] t;iqj dks czsy fçaVj nku fn;k x;kA

y l'kL=k cy >.Mk fnol dks"k dks foÙkh; lgk;rk o lkFk gh lSfud cksMZ ds ekè;e ls ;q¼ esa 'kghn lSfudksa dh fo/okvksa dk lhdj esa lEeku fd;k x;kA

y bu xfrfof/;ksa dks vkSj O;kid cukus gsrq] jktLFkku esa nks ftyksa vtesj vkSj >kykokM esa lkekftd xfrfof/;ksa ds fy;s {ks=k vk/kfjr n`f"Vdks.k dh 'kq#vkr dh xbZA vtesj ftys eas cSad us 73 fo|ky;ksa ds fo|qrhdj.k] ftlesa fctyh dusD'ku ysus o d{kkvksa esa ia[ksa o ykbVsa çnÙk djuk lekfgr Fkk] esa lgk;rk nhA >kykokM+ ftys esa cSad }kjk 104 ljdkjh fo|ky;ksa esa ihus ds ikuh dh lqfo/k gsrq foÙkha; lgk;rk çnku dh xbZA bu nksuksa ftyksa esa fofo/ lkekftd xfrfof/;ksa ij dqy `1-00 djksM+ dk O;; gqvkA

'kk[kk foLrkj

cSad us o"kZ 2015&16 esa 57 'kk[kk,¡ [kksyha] ftlesa 26 'kk[kk,¡ fV;j 5 o 6 esa fLFkr o cSafdax lsokvksa ls oafpr jgs xzkeh.k dsUæksa (unbanked rural centres in Tier V and VI) esa [kksyh xbZa A

31-03-2016 dks cSad dh dqy 1316 'kk[kk,¡ Fkha] ftudk HkkSxksfyd {ks=kokj oxhZdj.k fuEukuqlkj Fkk%

xzkeh.k v¼Z 'kgjh

'kgjh egkuxjh; dqy

508 316 250 242 1316

cSad us jktLFkku esa fLFkr leLr cSadksa esa fnukad 31-03-2016 dks 1052 'kk[kkvksa] ftlesa 796 'kk[kk,¡ xzkeh.k o v¼Z 'kgjh

dsUæksa ij fLFkr gSa] ds o`gn usVodZ ds :i esa viuk opZLo cuk, j[kkA

ekuo lalk/u fodkl

fnukad 31-03-2016 dks cSad esa dkfeZdksa dh la[;k 13529 Fkh ftudk Js.khokj fooj.k fuEukuqlkj gS%&

fnukad 31-03-2016 dks buesa ls

LVkiQ laoxZ v-tk- v-t-tk lkekU; dqy efgyk,a vYila[;d

vf/dkjh 1046 553 3808 5407 783 369

fyfid 894 560 3505 4959 964 290

v/huLFk 316 225 1733 2274 113 106

liQkbZ deZpkjh

642 41 206 889 234 12

dqy ;ksx 2898 1379 9252 13529 2094 779

31-03-2016 dks cSad dh dqy LVkiQ la[;k esa ls 2898 (21-42%) vuqlwfpr tkfr (v-tk) rFkk 1379 (10-19%) vuqlwfpr tutkfr (v-t-tk) Js.kh ls gSa tks fd visf{kr çfr'kr ls vf/d gSA cSad esa v-tk-@v-t-tk dkfeZdksa ds fgrksa ds laj{k.k gsrq ,d i`Fkd çdks"B igys ls gh fo|eku gSA gekjs cSad esa ljdkjh funsZ'kkuqlkj vkj{k.k uhfr dk dk;kZUo;u

gks jgk gSA

dkfeZdksa dks u, o fofo/ vk;keksa ;Fkk dksj cSafdax lksY;w'ku] VsyhcSafdax] baVjusV cSafdax] ,Vh,e] ØsfMV @ MsfcV dkMZ] foi.ku] ijLij foØ;] O;olk; çfØ;k iqu% vfHk;kaf=kdh vkfn ls ifjfpr o

vH;Lr djokus gsrq vko';d dne mBk, x, gSaA cSad lnSo gh dkfeZdksa dks çf'k{k.k fn;s tkus ,oa vf/d laosnu'khy cuk, tkus dks loksZPp çkFkfedrk nsrk vk jgk gS rkfd os xzkgdksa dh vis{kkvksa dh dq'ky <ax ls iwfrZ dj ldsa o rduhdh ;qDr ifjos'k esa vk/qfud cSafdax lqfo/k,a çHkkoiw.kZ rjhds ls çnku dj ldsaA lHkh Jsf.k;ksa ds dqy 8906 deZpkfj;ksa]

dU;k yksgM+h & lqdU;k le`f¼ ;kstuk varxZr dU;kvksa dk lEeku

“Kanya Lohri” : Felicitation of the Girl Child under the Sukanya Samridhhi Scheme

36 3736 3736 37

y Donated a School Bus to Adarsh Shiksha Parishad Samiti, Jaipur.

y Donated a Braille Printer to Rajasthan Netraheen Kalyan Sangh, Jaipur.

y Financial assistance to Armed Forces Flag Day Fund as also honouring war widows at Sikar through Sainik Board.

y For achieving greater impact, an area based approach was initiated by the Bank taking up CSR Activities in two districts of Ajmer and Jhalawar in Rajasthan. In Ajmer district, the Bank facilitated electrification work in 73 schools which included getting power connection and providing fans and lights in class rooms. In Jhalawar district, the Bank extended financial support to 104 government schools for putting up drinking water facility. The overall expenditure in these two districts under various CSR activities was Rupees one crore.

BRANCH EXPANSION

During 2015-16, the Bank opened 57 branches including 26 branches in unbanked rural centres in Tier V and VI.

As on 31.03.2016, the total number of branches of the Bank stood at 1316, the geographical distribution thereof being as under:

Rural Semi Urban

Urban Metro Total

508 316 250 242 1316

The Bank continued to maintain its dominant presence amongst all other banks in the State of Rajasthan with a network of 1052 branches as on 31.03.2016, with

796 branches located in rural and semi urban areas.

HUMAN RESOURCE DEVELOPMENT

The Bank’s staff strength as on 31.03.2016 is 13529 employees, with the following break up:

AS ON 31.03.2016 OUT OF WHICHStaff Cadre SC ST GEN TOTAL WOMEN MINORITYOfficers 1046 553 3808 5407 783 369Clerks 894 560 3505 4959 964 290Sub Staff 316 225 1733 2274 113 106Safari Karamchari

642 41 206 889 234 12

Total 2898 1379 9252 13529 2094 779

Out of the Bank’s total staff strength as on 31.03.2016, 2898 (21.42%) belong to SC and 1379 (10.19%) to ST categories which is well above the required percentage. A separate cell with objective to safeguard interests of SC/ST employees is also well in place. Reservation policy is implemented in our Bank as per Government guidelines.

Necessary complement of staff has been made available for working in new frontiers like core banking solution, tele-banking, internet banking, ATMs, credit / debit cards, marketing, cross selling, business process re-engineering etc. The Bank has been according high priority to training and sensitization of staff members to respond to the customers expectations and deliver modern banking facilities in the technology-driven environment.

A total no. of 8906 employees of all categories, including 281 employees of the sponsored RRBs, were provided training on various subjects related to banking

and technology at Staff Training Centres of the bank during the year. The Bank has also provided pre-promotion training to 177 SC/ST/OBC/PHD clerical candidates, eligible for promotion to officer cadre Group A & B during the year.

Apart from conducting in-house training of our officers at our training centres , we also depute our officers for training to Apex Training Institute e.g. State Bank Staff College, Hyderabad, SBA, Gurgaon, SBIRD, Hyderabad, SBIICM, Hyderabad, NIBM, Pune, CAB, Pune, FEDAI, IDRBT & others. During the year 933 officers have been trained at these external agencies in the areas of Core Banking Solution, Forex, Credit Management, Fraud Detection, Risk Management, NPA Management, Stressed Assets Management, ATM, Behavioural Science, Recovery process etc.

During the financial year 2015-16, we have deputed 03 officers abroad for a Deutche Bank International Seminar at New York, USA, Standard Chartered Bank‘s Regional Conference at Frankfurt, Germany and in University of California, USA in this financial year. Executive Development Programme for 30 DGMs and AGMs was held at STC Jaipur by faculty of IIM, Kolkata

38 3938 3938 39

ftles çk;ksftr {ks=kh; xzkeh.k cSadksa ds 281 deZpkjh 'kkfey gSa dks o"kZ ds nkSjku çf'k{k.k dsaæksa esa cSafdax vkSj çkS|ksfxdh ls lEcaf/r fofHkUu fo"k;ksa ij çf'k{k.k çnku fd;k x;kA cSad us o"kZ ds nkSjku vf/dkjh laoxZ xzqi ,@ ch laoxZ esa inksUufr ds fy, ik=k 177 vuqlwfpr tkfr@ vuqlwfpr tutkfr@ vU; fiNM+h tkfr@ 'kkjhfjd v{ke fyfid mEehnokjksa dks inksUufr iwoZ çf'k{k.k Hkh çnku fd;kA

ge gekjs dkfeZdksa dks gekjs çf'k{k.k dsUæksa ij çf'k{k.k çnku djus ds vykok vius vf/dkfj;ksa dks 'kh"kZ çf'k{k.k laLFkkuksa ;Fkk LVsV cSad LVkiQ dkWyst (SBSC)] gSnjkckn] LVsV cSad vdkneh (SBA)] xqM+xkao] SBIRD] gSnjkckn] SBIICM] gSnjkckn] jk"Vªh; cSafdax çca/u laLFkku (NIBM)] iq.ks] CAB iq.ks] FEDAI] IDRBT vkSj vU; esa çf'k{k.k gsrq çfrfu;qDr djrs gSaA o"kZ ds nkSjku 993 vf/dkfj;ksa dks dksj cSafdax lksY;w'ku] fons'kh fofue;] lk[k çca/u] /ks[kk/M+h tkap] tksf[+ke çca/u] ,uih, çca/u] nckoxzLr vkfLr çca/u] ,Vh,e] O;ogkj foKku] olwyh çfØ;k vkfn {ks=kksa esa bu ckgjh ,tsafl;ksa esa çf'kf{kr fd;k x;kA

bl foÙkh; o"kZ ds nkSjku geus 03 vf/dkfj;ksa dks fons'k esa U;w;kdZ esa M;w'k cSad varjkZ"Vªh; lsfeukj] vesfjdk] LVSaMMZ pkVZMZ cSad dh izSaQdiQVZ] teZuh esa {ks=kh; lEesyu rFkk dsfyiQksfuZ;k fo'ofo|ky;] vesfjdk esa Hkkx ysus gsrq çfrfu;qDr fd;kA LVkiQ çf'k{k.k dsaæ] t;iqj esa fnukad 21-12-2015 ls 23-12-2015 rd 30 miegkçca/dksa o lgk;d egkçca/dksa gsrq Hkkjrh; çaca/ laLFkku dksydkrk ds ladk; }kjk dk;Zikyd fodkl dk;ZØe vk;ksftr fd;k x;kA blds vfrfjDr LVkiQ çf'k{k.k dsaæ chdkusj esa uoacj 2015 esa 34 uoinksUur oxZeku&IV 'kk[kk çcU/dksa gsrq vk;ksftr çca/u fodkl dk;ZØe esa ,f'k;u Ldwy vkWiQ fctusl eSustesaV Hkqous'oj ds fof'k"V ladk; dks

l=k ysus gsrq vkeaf=kr fd;k x;kA

ekuo lalk/u fodkl foHkkx çf'k{k.k dk;ZØeksa dh fuxjkuh o leh{kk djus o lkFk gh cSafdax m|ksx esa gks jgs ifjorZuksa o mlds ifj.kkeLo:i ubZ pqukSfr;ksa ij ubZ igy@ ç;ksx ij fu.kZ; ysus gsrq =kSekfld varjky ij çf'k{k.k lfefr dh cSBd vk;ksftr djrk gSA dkfeZdksa ds lanHkZ gsrq baVªkusV lkbV ij çf'k{k.k dysaMj dks =kSekfld viyksM fd;k tkrk gSA bl çf'k{k.k dysaMj ds vk/kj ij LVkiQ viuh çf'k{k.k vko';drk,¡ viyksM dj ldrs gSa rFkk viuh vfHk#fp@ vko';drk vuqlkj çf'k{k.k dk;ZØe dk p;u dj ldrs gSaA vapyks dks çf'k{k.k dk;ZØeksa esa vkWu ykbu ukekadu dh lqfo/k çnku djus o ekuo lalk/u fodkl foHkkx }kjk lHkh dkfeZdksa dk çf'k{k.k bfrgkl ,d gh txg la/kfjr djus gsrq ^^çf'k{k.k çcU/d** uked ,d u;k lkWÝVos;j fodflr fd;k x;k gSA

[kaMsyoky lfefr dh vuq'kalkvksa vuqlkj vkxkeh o"kksaZ esa ekuo lalk/u dks lrr :i ls iksf"kr djus gsrq d{kk vk/kfjr çf'k{k.k ds lekukUrj bZ&yfuaZx Hkh fu.kkZ;d Hkwfedk vnk djsxkA bZ&yfuaZx igy@ ç;kl dks çksRlkfgr djrs gq, ,d vyx ifjpkyu foHkkx l`ftr fd;k x;k gS ftldk çHkkj eq[; çcU/d dks fn;k x;k gS o tks lgk;d egkçca/d LVkiQ çf'k{k.k dsaæ t;iqj dks fjiksVZ djrs gSaA

gekjs cSad esa 13-02-2013 dks bZ&yfuaZx iksVZy dk 'kqHkkjaHk gqvk FkkA bl iksVZy ij 31-03-2016 dks dqy iathdj.k la[;k 6104 Fkh tks fd vf/dkjh o fyfidh; LVkiQ dh dqy la[;k 10366 dk 58-88% vko`r djrh gS A

cSafdax lacaf/r fo"k;ksa ij xq.koÙkkiw.kZ o vPNh ikB~;lkexzh dks dkfeZdks ds }kj rd miyC/ djokus ds mís'; ls geus baVªkusV lkbV ij igyh ckj IDRBT ds lg;ksx ls tqykbZ 2014 ls Hkkjrh;

cSad la?k (IBA) }kjk çdkf'kr if=kdk ^^fn bafM;u cSadj** viyksM djuk çkjEHk fd;k gSA viyksM fd;k x;k uohure vad ekpZ 2016 dk gSA

LVkiQ dY;k.kkFkZ

cSad vius dkfeZdksa dk gkSlyk mRlkg o vfHkçsj.kk dks lnSo Åapk cuk, j[kus esa fo'okl j[krk gS] mUgsa viuh lokZf/d egRoiw.kZ vkfLr;ka ekurk gS rFkk muds dY;k.k dks loksZPp ojh;rk nsrk gSA

cSad }kjk fuEukafdr LVkiQ dY;k.k xfrfof/;ka vk;ksftr dh xbZa%&

y dkfeZdksa ds çfrHkk'kkyh cPpksa dks Nk=ko`fÙk çnku djukA

y fofHkUu vLirkyksa esa fu'kqYd fpfdRlh; ijke'kZ lsok,¡ miyC/ djkukA

y ,lchvkbZ ykbiQ dh lewg chek ;kstuk varxZr dkfeZdksa dks 8-00 yk[k (nq?kZVuk esa e`R;q gksus ij `16-00 yk[k) rd chek dojA

y LVkiQ ds lesfdr dY;k.k gsrq lkaLd`frd dk;ZØe] LiksVZ~l fnol o fpfdRlk dSai vkfn dk vk;kstu djukA

vkS|ksfxd lEcU/ foHkkx

cSad esa vf/dkfj;ksa ds lkFk&lkFk dkexkj deZpkfj;ksa ds lkSgknZiw.kZ ,oa e/qj lEcU/ksa dk ,d yEck bfrgkl jgk gSA deZpkjh ;wfu;u vkSj vf/dkjh ,lksfl,'ku us cSad ds pkSrjiQk fodkl ds fy, rgs fny ls lg;ksx fn;k gSA cSad esa eqíksa dks la;qDr ijke'kZ ,oa okrkZyki }kjk fofHkUu ç'kklfud Lrjksa ij fuiVkus dh ,d lqO;ofLFkr ,oa lrr ijke'kZ ç.kkyh dk;Zjr gSA

lrdZrk ç'kklu

lrdZrk ç'kklu] cSad esa çcU/u dk vfHkUu vax gSA cSad esa lrdZrk

38 3938 3938 39

from 21.12.2015 to 23.12.2015, also Special Faculty from Asian School of Business Management, Bhubaneswar in November, 2015, were invited for taking sessions on MDP for 34 newly promoted Scale-IV Branch Managers at STC Bikaner.

HRD is organizing Training Committee meetings at quarterly intervals to review and monitor the training programmes and decide on new initiatives to support the new challenges and changes taking place in the banking industry. The training calendar is uploaded quarterly on intranet site for reference of the employees. The staff can upload their training needs required on the basis of this training calendar & avail a training of their choice & requirement. A new software called the Training Manager has been developed to facilitate nominations on-line by the Zones and HRD maintains the training history of employees under one roof.

As per Khandelwal Committee recommendations, E-learning would play a pivotal role along with the class room training in the years to come for nurturing Human Resources on a continuous basis. The e-Learning initiative has been given a fillip and a separate operational department has taken charge under a Chief Manager reporting to AGM STC, Jaipur.

Our bank had launched e-learning portal on 13.02.2013. The total number of registrations at the portal is 6104 as on 31.03.2016 against total number of officers and clerical staff strength of 10366 i.e. covering 58.88% of the

strength.

In order to bring good reading on Banking related topics, to the doorstep of the employees, we have for the first time on the intranet-site, commenced uploading the IBA journal “The Indian Banker” since July 2014, in collaboration with IDRBT. The latest issue uploaded is of March 2016.

STAFF WELFARE

The Bank believes in keeping the morale and motivation of the employees high, considers employees as its most valuable and important assets and accord high priority to their welfare.

Some of the staff welfare activities, being undertaken by the Bank are:-

y Granting of Scholarship to the meritorious wards of the employees.

y Providing free medical consultancy services at various hospitals.

y Insurance cover for employees to the extent of `8.00 lac (`16.00 lac for accidental death) under Group Insurance Scheme of SBI Life.

y Arranging Cultural Programmes, Sports Day and Medical Camps for overall well being of the staff.

INDUSTRIAL RELATIONS

The Bank has a long history of harmonious and cordial relations with both supervising as well as workmen employees enlisting their total commitment, support

and cooperation. The Employees’ Union and Officers’ Association have extended their wholehearted cooperation for the all-round growth of the Bank. A well established and ongoing consultative machinery is functioning at various tiers of the administration for resolving issues through joint consultations and negotiations.

VIGILANCE ADMINISTRATION

Vigilance Administration is an integral part of the managerial function in the Bank. In the Bank, vigilance means, to be watchful in our day to day transactions in accordance to the systems & procedures laid down by Bank simultaneously being judicious, transparent & disciplined in all our official dealings. The main focus is on preventive vigilance activity in order to timely detect the symptoms of any procedural or systemic failures in a particular part or organization as a whole. Thus, vigilance works averting any possible abuse / misuse of powers and exercise of discretion which might otherwise cause loss to the organization.

Vigilance Department held eight training programmes at quarterly intervals at Bank’s Staff Training Centres for officers and award staff on Preventive Vigilance to improve their skills and awareness. Sessions on the preventive vigilance were also slotted in other training programmes as well. The training platform of the Bank is being used effectively to create awareness amongst employees about Vigilance function, areas of concerns where officials need to

40 4140 4140 41

dk vFkZ] nSfud O;ogkjksa esa cSad }kjk fu/kZfjr ç.kkyh ,oa dk;Zfof/ ds vuqlkj fuxjkuhjr jguk] lkFk gh lkFk gekjs lHkh vkf/dkfjd ysunsuksa esa foosdiw.kZ] ikjn'khZ ,oa vuq'kkflr jguk gSA lrdZrk fuokjd xfrfof/ dk eq[; è;ku (iQksdl) laLFkk ds vFkok mlds fdlh Hkkx esa dk;Zfof/ vFkok ç.kkyhxr vliQyrk ds y{k.kksa dk Øec¼ le; ls irk yxkus ij gSA vrso lrdZrk] laLFkk esa vf/dkjksa vFkok Lo%foosd 'kfDr;ksa ds ,sls laHkkfor nq#i;ksx] tksfd laLFkk ds fy, gkfu ds dkjd gks ldrs gSa] ls cpko djus dk dk;Z djrh gSA

lrdZrk foHkkx fuokjd lrdZrk ij vf/dkfj;ksa ,oa vokMZ LVkiQ dh dk;Zdq'kyrk ,oa tkx#drk esa vfHko`f¼ ds fy, cSad ds LVkiQ çf'k{k.k dsUæksa ij frekgh vUrjky ij 8 çf'k{k.k dk;ZØeksa dk vk;kstu fd;k x;kA vU; çf'k{k.k dk;ZØeksa esa Hkh fuokjd lrdZrk ij Hkh l=k tksM+s x;s FksA bl çdkj ,sls lEcfU/r {ks=k tgka deZpkfj;ksa dks T;knk lko/ku jgus dh vko';drk gks] ?kfVr gks jgh /ks[kk/M+h@ xEHkhj vfu;ferrkvksa dh çd`fr ,oa lrdZrk fcUnq dk fu/kZj.k lEcU/h lrdZrk dk;Z ds ckjs esa deZpkfj;ksa ds eè; çHkkoh tkx#drk fodflr djus gsrq cSad ds çf'k{k.k iVy dk mi;ksx fd;k x;k gSA

10 ;k vf/d LVkiQ okyh 'kk[kkvksa esa lrdZrk lfefr;ksa dk xBu fd;k tk pqdk gSA LVkiQ LVªsUFk dks utjvUnkt j[krs gq, lHkh çfØ;k dsUæksa] vlUrks"ktud jsfVax okyh 'kk[kkvksa ,oa /ks[kk/M+h laHkkfor 'kk[kkvksa esa ,slh lfefr;ka dk;Zjr gSA

LVkiQ lnL;ksa esa lrdZrk tkx#drk c<+kus gsrq ,d frekgh x`g if=kdk ^^lrdZrk lUns'k** 'kh"kZd ls çdkf'kr dh tkrh gSA fuokjd mik;ksa esa vusd u;h igy dh xbZ gS tSls ck;ksesfVªd yksfxu flLVe]

bysDVªksfud okmpj osjhfiQds'ku] vkosnd }kjk ½.k vkosnu dh fLFkfr ds fy, vkWu ykbu Vªsfdax] ½.k Lohsd`fr iwoZ mfpr lko/kuh çfØ;k bR;kfnA /ks[kk/M+h idM+us vkSj /ks[kk/M+h ds ç;kl dks foiQy djus ij LVkiQ gsrq fjdkWxfu'ku ,oa vyVZusl vokMZ ;kstuk Hkh ykxw gSA

cSad esa fOgfly Cyksvj ikWfylh ykxw dh tk pqdh gS ftlds vUrxZr dksbZ Hkh LVkiQ lnL;] vf/dkfjd in ds nq#i;ksx dh ?kVuk vFkok nqjkpkj dh lwpuk eq[; lrdZrk vf/dkjh dks miyC/ djok ldrs gSaA lwpukdrkZ dh igpku xqIr j[kh tkrh gSA

o"kZ 2015&16 ds nkSjku foHkkx }kjk 222 f'kdk;rksa dk fuokj.k fd;k x;k] 45 vUos"k.k fd;s x;s rFkk 57 fuokjd lrdZrk fujh{k.k fd;s x;sA lrdZrk fufgr fcUnq okys vuq'kklukRed dk;Zokgh ds 116 ekeys fuiVk;s x;sA

jktHkk"kk

cSad esa jktHkk"kk uhfr dk dk;kZUO;u u dsoy laoS/kfud vfuok;Zrk gS cfYd O;kolkf;d vko';drk Hkh gSA cSad us o"kZ ds nkSjku] Hkkjr ljdkj dh jktHkk"kk uhfr ls lacaf/r lHkh laoS/kfud çko/kuksa ds vuqikyu gsrq gj laHko ç;kl fd,A lkFk gh fganh Hkk"kk ds ekè;e ls cSad dh fofHkUu ;kstukvksa dk ykHk yksxksa rd igqapkus ds dbZ mik; fd,A

o"kZ 2015&16 ds nkSjku cSad us jktHkk"kk fganh ds ç;ksx ,oa çpkj çlkj esa mYys[kuh; çxfr dh vkSj jktHkk"kk vf/fu;e@jktHkk"kk fu;e ds rgr fofHkUu lkafof/d vko';drkvksa dk vuqikyu lqfuf'pr fd;kA cSad us Hkkjr ljdkj] x`g ea=ky;] jktHkk"kk foHkkx }kjk tkjh okf"kZd dk;ZØe ds rgr fu/kZfjr y{;ksa dks çkIr djus dk gj laHko ç;kl fd;kA

Hkkjr ljdkj ds çfrfuf/;ksa }kjk ç/ku dk;kZy; ,oa vapy dk;kZy; HkhyokM+k dk fujh{k.k fd;k x;kA fnukad 17 iQjojh 2016 dks lalnh; jktHkk"kk lfefr dh rhljh milfefr }kjk cSad ds ç/ku dk;kZy; dk fujh{k.k fd;k x;kA cSad ujkdkl fnYyh] tks/iqj] t;iqj ,oa ujkdkl mn;iqj }kjk gekjs cSad dks jktHkk"kk dk;kZUo;u ds fy, iqjLd`r fd;k x;kA

cSad us lwpuk çkS|ksfxdh ds {ks=k esa fganh dk ç;ksx c<+kus ds vius ç;kl tkjh j[ksA

flracj 2015 esa cSad ds dk;kZy;ksa@ 'kk[kkvksa esa fganh i[kokM+k ,oa fganh fnol euk;k x;k rFkk leLr LVkiQ lnL;ksa ds fy, fofHkUu çfr;ksfxrk,a vk;ksftr dh x;hA ç/ku dk;kZy; }kjk vf[ky Hkkjrh; Lrj ij fganh fuca/ çfr;ksfxrk dk vk;kstu fd;k x;kA çfr;ksfxrk ds fotsrkvksa dks iqjLdkj ,oa çek.k&i=k çnku fd, x,A o"kZ ds nkSjku fganh ds çxkeh ç;ksx esa o`f¼ ykus ds fy, ç/ku dk;kZy; jktHkk"kk VªkWiQh çfr;ksfxrk (ç/ku dk;kZy; ,oa vapy Lrjh;) Hkh vk;ksftr dh xbZA cSad dh jktHkk"kk x`g if=kdk ^^miou** dk çdk'ku fu;fer :i ls fd;k tk jgk gSA

vads{k.k

Hkkjrh; LVsV cSad us] Hkkjrh; fjtoZ cSad dh lgefr ls] foÙkh; o"kZ 2015&16 ds fy, lunh ys[kkdkjksa dh pkj iQeksaZ ;Fkk eS- dkykuh ,.M dEiuh] t;iqj] eS- ds-ds- lksuh ,.M dEiuh] ubZ fnYyh] eS- egs'k lh- lksyadh ,.M dEiuh] bankSj rFkk eS- vkj,lih,p ,.M ,lksfl;sV~l] ubZ fnYyh dh lkafof/d dsaæh; ys[kk ijh{kd ds :i esa fu;qfDr vuqeksfnr dhA 2014&15 esa 742 'kk[kkvksa@ dsaæh;d`r çlaLdj.k dsaæks ds vads{k.k ds lkis{k leh{kk o"kZ esa 786 'kk[kkvksa@ dsaæh;d`r çlaLdj.k dsaæks dk vads{k.k djok;k x;k gSA

40 4140 4140 41

pay more attention, nature of fraud / serious irregularities taking place and determination of vigilance angle.

Preventive Vigilance Committees have been set up in branches having 10 staff members or more. Such committees are functional at processing centers, unsatisfactory rated branches and fraud prone branches irrespective of their staff strength.

An in-house magazine titled as “Vigilance Bulletin” is published quarterly with an objective to create vigilance awareness amongst staff. Many new initiatives have been taken as preventive measures like Biometric login system, Electronic Voucher Verification, online tracking of status of loan application by the applicant, better pre-sanction due diligence process etc. Scheme of Recognition & Alertness Award for the staff in respect of detection and foiling of frauds is also in place.

Whistle Blower Policy has been implemented in the Bank whereby any staff member can provide information to the Chief Vigilance Officer on any malpractices or instances of misuse of official position. The identity of the informer is kept secret.

The department has disposed of 222 complaints, 45 Investigations and 57 preventive vigilance inspections were conducted. 116 disciplinary cases having vigilance angle have been concluded during the year 2015-16.

RAJBHASHA

The implementation of Official Language Policy in the Bank is not only a statutory requirement but

also a business need. The Bank is committed to comply with the statutory provisions relating to the official Language Policy of the Govt. of India and took several initiatives to provide benefit of Bank's different schemes to the masses through Hindi Language.

During the year 2015-16, the Bank made significant progress in promoting and propagating the use of Official Language and ensured compliance of various other statutory requirements framed under the Official Language Act /Official Language Rules. The Bank made all possible efforts to achieve the targets set by Official Language Deptt. Ministry of Home affairs, Govt. of India.

Representative of Govt. of India also inspected our Head Office and zonal Office Bhilwara. An Inspection meeting was carried out by third subcommittee of Committee of Parliament on Official Language on 17 Feb 2016. Bank has been awarded by Bank TOLIC Delhi, Jodhpur, Jaipur and TOLIC Udaipur for Official Language implementation.

Bank continued its efforts to promote use of Hindi in the field of Information Technology.

Hindi Day and Hindi-fortnight were celebrated in Offices/Branches of the Bank in the month of September 2015 and various competitions were conducted for the staff members. To increase progressive use of Hindi, Head Office Rajbhasha Trophy competition (Head Office and Zonal level) was also organized during the year. Bank's quarterly in House Rajbhasha magazine "Upwan" is being published regularly.

AUDIT

State Bank of India, with the concurrence of the Reserve Bank of India, approved the appointment of 4 firms of Chartered Accountants viz. M/s Kalani & Co. of Jaipur, M/s K.K.Soni & Co. of New Delhi, M/s Mahesh C. Solanki of Indore and M/s RSPH & Associates of New Delhi as the Statutory Central Auditors of the Bank for the year 2015-16. During the period under review, the scope of audit covered 786 branches/centralized processing units as against 742 branches/centralized processing units covered in 2014-15.

RESPONSIBILITY STATEMENT

The Board of directors hereby states:-

1. That in the preparation of the annual accounts, the applicable Accounting Standards have been followed alongwith proper explanation relating to material departures;

2. That they have selected such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent, so as to give a true and fair view of the state of affairs of the Bank as on the 31st March, 2016, and of the profit or loss of the Bank for the year ended on that date;

3. That they have taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the provisions of the Banking Regulations Act, 1949 and State Bank of India

42 4342 4342 43

mÙkjnkf;Ro fooj.k

funs'kd eaMy ,rn~}kjk mYys[k djrk gS fd%&

1- okf"kZd ys[kksa dks rS;kj djrs le; ys[kk ekudksa dh leqfpr vuqikyuk dh x;h gS vkSj mlls fopyu dh fLFkfr esa leqfpr Li"Vhdj.k fn;k x;k_

2- mUgksus ,slh ys[kk uhfr;ksa dk p;u fd;k gS] mudk lrr ç;ksx fd;k gS vkSj ,sls fu.kZ; fy, gSa] tks fd 31 ekpZ] 2016 dks cSad ds dk;Zdyki vkSj mDr fnukad dks lekIr o"kZ gsrq cSad ds ykHk ;k gkfu dh lgh ,oa fu"i{k fLFkfr n'kkZus ds fy, i;kZIr ,oa foosd lEer gSa_

3- mUgksus cSad dh vkfLr;ksa dh j{kk djus rFkk /ks[kk/M+h ,oa vU; vfu;ferrk,¡ jksdus vkSj bldk irk yxkus ds fy,

cSaddkjh fofu;eu vf/fu;e] 1949 vkSj Hkkjrh; LVsV cSad (lg;ksxh cSad) vf/fu;e] 1959 ds çko/kuksa ds vuqlkj i;kZIr ys[kk fjdkWMZ vuqjf{kr djus gsrq leqfpr ,oa i;kZIr è;ku j[kk gS_ vkSj

4- mUgksus okf"kZd ys[kksa dks orZeku vis{kkvksa ds vuqlkj rS;kj fd;k gSA

dkWjiksjsV vfHk'kklu

dkWjiksjsV vfHk'kklu dh fooj.kh layXu gSA

vfHkLohd`fr

funs'kd e.My] lEekuuh; xzkgdksa] çfrf"Br va'k/kjdksa rFkk tulk/kj.k fo'ks"k ls çkIr laj{k.k ,oa muds }kjk cSad ds çfr çdV fd;s x;s fo'okl ds fy, d`rK gS ,oa funs'kd e.My blds fy, viuk gkfnZd lk/qokn vfHkfyf[kr

djrk gSaA funs'kd e.My] Hkkjr ljdkj] Hkkjrh; LVsV cSad] Hkkjrh; fjtoZ cSad ,oa vU; fu;ked ,tsfUl;ksa dk] muds }kjk o"kZ ds nkSjku fn;s x;s ewY;oku lg;ksx ,oa fn'kk&funsZ'k ds fy, vkHkkj çdV djrk gSaA

funs'kd e.My cSad dh lokaZxh.k mUuafr ds fy, lHkh LVkiQ lnL;ksa ds cgqewY;d ;ksxnku] leiZ.k Hkkouk ,oa mudh xgu yxu ds fy, ,oa deZpkjh ;wfu;u o vf/dkjh laxBu }kjk fuHkkbZ xbZ jpukRed Hkwfedk dh Hkwfj&Hkwfj ç'kalk djrk gSA

funs'kd e.My ds fy, ,oa mudh vksj ls

T;ksfr ?kks"k

çcU/ funs'kd

LFkku% eqacbZfnukad% 29 vçSy] 2016

42 4342 4342 43

(Subsidiary Banks) Act, 1959 for safeguarding the assets of the Bank and preventing and detecting frauds and other irregularities; and

4. That they have prepared the annual accounts on a going concern basis.

CORPORATE GOVERNANCE

The details on Corporate Governance are annexed.

ACKNOWLEDGMENT

The Board of Directors is grateful

to the valued customers, esteemed shareholders and the public at large for their patronage and confidence reposed in the Bank and places on record its deep appreciation. The Board of Directors thanks the Government of India, State Bank of India, Reserve Bank of India and other regulatory agencies for their valuable support and guidance throughout the year.

The Board of Directors places on record its deep appreciation of the commitment, sense of involvement and dedication exhibited by each

staff member and constructive role played by the Employees’ Union and Officers Association in the overall development, growth and prosperity of the Bank.

For and on behalf of the Board of Directors

Jyoti Ghosh

Managing Director

Place: MumbaiDated: 29th April, 2016

44

dkWjiksjsV vfHk'kklu

cSad dh n`f"V ,oa y{;

cSad us viuh varfuZfgr fof'k"Vrkvksa] ewY;ksa laLÑfr ,oa vfHkyk"kkvksa dks fuEufyf[kr n`f"V ,oa y{; vkys[kksa ds :i esa lw=kc¼ fd;k gSA cSad dh n`f"V ,oa y{; oDrO; fuEur% gSa&

n`f"V (fotu)& ,d vR;k/qfud] xzkgdksUeq[k] ewY;&lefiZr rFkk mPpdksfV dh fuxfer vfHk'kklu i¼fr;ksa ds çfr çfrc¼ O;kolkf;d :i ls lqçcaf/r cSafdx laxBu ,oa va'k/kjdksa dh iw¡th esa fujUrj vfHko`f¼ djrs gq, leLr fgr /kjdksa o lekt ds dY;k.k gsrq fu"Bkoku laLFkku cuukA

y{; (fe'ku)µmPp vfHkçsfjr] O;kolkf;d xq.koÙkk;qDr xzkgd lsok o ns[kHkky] ykxr dks è;ku esa j[krs gq, lwpuk çkS|ksfxdh ds dq'ky mi;ksx }kjk xzkgdksa ds dk;ksaZ ij /;ku dsfUær djus okys n{k deZpkjh oxZ }kjk mudh leLr cSafdax vko';drkvksa dk ,d gh LFkku ij lek/ku miyC/ djokuk] lHkh fgrkf/dkfj;ksa dh leLr vis{kkvksa ds ikjn'khZ] mfpr ,oa okLrfod çdVhdj.k ds fy, mÙkjnk;h çcU/dh; fl¼karksa ds }kjk çfriwfrZ djuk] laLFkkxr lkeftd mÙkjnkf;Ro ds fuoZgu ds mís'; ls lEiw.kZ jktLFkku jkT; esa foÙkh; lekos'ku ij fo'ks"k cy nsrs gq, çR;sd dks loksZÙke cSafdax lsok,a miyC/ djokus gsrq ç;Ru'khy jgukA

mDr la'kksf/r n`f"V ,oa y{; oDrO; esa bu egRoiw.kZ yk{kf.kd fof'k"Vrkvksa ij cy fn;k x;k gS& vR;k/qfud cSad cuuk] vPNh vfHk'kklu i¼fr;k¡ viukuk] leLr fgr/kjdksa vkSj lekt dk fgr] leLr xzkgdksa dks fuckZ/ lek/ku çnku djuk] ykxr dks è;ku esa j[krs gq, çkS|ksfxdh dk dq'ky mi;ksx] ikjn'khZ@okLrfod@LoPN@çdVhdj.k] çfrlaosnh çaca/dh; fl¼kar] dkWjiksjsV lkekftd mÙkjnkf;Ro

dk fuoZgu rFkk jktLFkku jkT; esa foÙkh; lekos'ku ykxw djuk gSA

cSad dh dkWjiksjsV vfHk'kklu lafgrk

cSad ds n`f"V ,oa y{; vkys[kksa esa mYysf[kr y{;ksa dks çkIr djus dh fn'kk esa Js"B dkWjiksjsV vfHk'kklu ,oa O;ogkjksa dh LohÑfr igyk dne gSA rnuqlkj cSad us dkWjiksjsV vfHk'kklu dh lafgrk Lohdkj dh gS%&LVsV cSad vkWiQ chdkusj ,.M t;iqj vfHk'kklu dh loZJs"B çFkk ds çfr çfrc¼ gSA cSad dk fo'okl gS fd mi;qDr dkWjiksjsV vfHk'kklu] izcU/u dks çHkkoh vkSj O;olk;&fu;a=k.k dks lqxe cukrk gSA blds iQyLo:i] cSad vius leLr fgr/kjdksa dks loksZÙke ifj.kke nsus esa leFkZ gksrk gSA la{ksi esa] blds mís'; fuEur% gSa% y va'k/kjdksa dh iw¡th esa of¼ djuk y va'k/kfj;ksa ds lkFk&lkFk xzkgdksa]

deZpkfj;ksa rFkk O;kid Lrj ij lekt lfgr vU; fgr/kjdksa ds fgrksa dh j{kk djukA

y Hkkjrh; fjtoZ cSad] lsch ,oa vU; fu;ked çkf/dj.kksa ds fn'kk&funsZ'kksa dh vuqikyuk djukA

y laçs"k.k esa ikjnf'kZrk vkSj bZekunkjh lqfuf'pr djuk rFkk lHkh lacaf/r i{kksa dks lexz] lgh vkSj Li"V lwpuk miyC/ djokukA

y fu"iknu ds fy, mÙkjnkf;Ro lqfuf'pr djuk rFkk lHkh Lrjksa ij mRÑ"Vrk çkIr djukA

y mPpre xq.koÙkkiw.kZ ,slk dkWjiksjsV usr`Ro çnku djuk tks nwljksa ds fy, vuqdj.kh; gksA

cSad fuEufyf[kr ds fy, çfrc¼ gS y ;g lqfuf'pr djuk fd cSad ds

funs'kd e.My dh fu;fer cSBdsa gksa] og çHkkoiw.kZ usr`Ro çnku djs] izcU/u ij fu;a=k.k j[ks rFkk dk;Zikydksa ds fu"iknu dh fuxjkuh djsA

y dk;Zuhfrd fu;a=k.k dk <+k¡pk LFkkfir djuk rFkk bldh çHkkoksRikndrk dh yxkrkj leh{kk djukA

y uhfrxr fodkl] dk;kZUo;u ,oa leh{kk] fu.kZ;u] fuxjkuh] fu;a=k.k vkSj fjiksfVaZx ds fy, lqLi"V :i ls fyf[kr ,oa ikjn'khZ izcU/u çfØ;k LFkkfir djukA

y funs'kd e.My viuh Hkwfedk dk çHkkoksRiknd <ax ls fuokZg dj lds] blds fy, funs'kd e.My dks ;Fkko';d lHkh çklafxd lwpuk,¡] lykg vkSj lalkèku miyC/ djokukA

y ;g lqfuf'pr djuk fd izcU/ funs'kd] dk;Zikyd izcU/u ds lHkh i{kksa rFkk cSad ds vfUre fu"iknu vkSj funs'kd e.My }kjk fu/kZfjr uhfr;ksa ds dk;kZUo;u ds fy, mÙkjnk;h gksA izcU/ funs'kd dh Hkwfedk] Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e] 1959 ,oa leuq"kaxh cSad lkekU; fofu;e] 1959 rFkk blesa gq, leLr la'kks/uksa ds vuq:i Hkh funsZf'kr gksrh gSA

y ;g lqfuf'pr djuk fd funs'kd e.My }kjk fu/kZfjr lHkh ç;ksT; lafof/;ksa] fofu;eksa ,oa vU; dk;Zfof/;ksa] uhfr;ksa dk vuqikyu lqfuf'pr djus ds fy, ,oa ;fn dksbZ fopyu gS rks] ;g e.My dks fjiksVZ fd;s tkus gsrq ,d ofj"B dk;Zikyd dks funs'kd e.My ds çfr mÙkjnk;h cuk;k x;k gSA

funs'kd e.My

LVsV cSad vkWiQ chdkusj ,.M t;iqj dk xBu 1963 esa LVsV cSad vkWiQ chdkusj vkSj LVsV cSad vkWiQ t;iqj ds foy; ls gqvkA cSad le;&le; ij la'kksf/r Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e

45

CORPORATE GOVERNANCE

BANK’S VISION AND MISSIONThe Bank has codified its ethos, values, culture and aspirations in its Vision and Mission statements. The Vision and Mission statements of the Bank are as under:-

Vision: “To be a state-of-the-art, customer-centric, values driven and professionally managed banking organisation; committed to the highest standards of good corporate governance practices; perpetual enhancement of the wealth of the shareholders and welfare of all stakeholders and the society”.

Mission: “To provide one stop solutions to all the banking needs of customers through a highly motivated, professional and efficient human resources pool with quality of service, customer care and customers’ business in focus by efficient use of Information Technology in a cost effective manner; meeting the expectations of all stakeholders through transparent, true and fair disclosures and responsive management principles in all the activities; to strive to fulfil corporate social responsibility with special emphasis on financial inclusion throughout the State of Rajasthan and aiming to provide the best banking services to one and all”.

As such, the vision and mission statements lay emphasis on being state-of-the-art bank, adopting good corporate governance practices, welfare of all stakeholders and the society, providing one stop solution to all customers, efficient use of information technology in a cost effective manner, transparent/ true/ fair disclosures, responsive management principles, fulfilling

corporate social responsibility and implementing financial inclusion in the State of Rajasthan.

BANK’S CODE OF CORPORATE GOVERNANCEAdoption of best corporate governance and practices is the first step in realising the goals set forth in our Vision and Mission statements and accordingly the Bank has adopted its code of Corporate Governance:

The State Bank of Bikaner and Jaipur is committed to the best practices in the area of Corporate Governance. The Bank believes that proper Corporate Governance facilitates effective management and control of business, which in turn, enables the Bank to deliver the best results to all its stakeholders. The objectives can be summarised as:

y To enhance shareholders' value.

y To protect interests of shareholders and other stakeholders including customers, employees and society at large.

y To comply with directives of RBI, SEBI and other regulatory authorities.

y To ensure transparency and integrity in communication and to make available full, accurate and clear information to all concerned.

y To ensure accountability for performance and to achieve excellence at all the levels.

y To provide corporate leader-ship of the highest standard for others to emulate.

The Bank is committed to:

y Ensure that the Bank's Board of Directors meets regularly, provides effective leadership,

exercises control over management and monitors executive performance.

y Establish a framework of strategic control and continuously review its efficacy.

y Establish clearly documented and transparent management processes for policy development, implementation and review, decision-making, monitoring, control and reporting.

y Provide free access to the Board to all relevant information, advice, resources as are necessary to enable it to carry out its role effectively.

y Ensure that the Managing Director has line of responsibility for all aspects of executive management and is accountable to the Board for the ultimate performance of the Bank and implementation of the policies laid down by the Board. The role of the Managing Director is also guided by the State Bank of India (Subsidiary Banks) Act, 1959 and Subsidiary Banks General Regulations, 1959 with all amendments.

y Ensure that a senior executive is made responsible to the Board to ensure compliance with all applicable statutes, regulations and other procedures, policies as laid down by the Board and report deviation, if any, to the Board.

BOARD OF DIRECTORS

The State Bank of Bikaner & Jaipur was formed in 1963 by amalgamation of the State Bank of Bikaner & State Bank of Jaipur. The Bank is governed by State Bank of

46

1959 ,oa leuq"kaxh cSad lkekU; fofu;e 1959 ls 'kkflr gksrk gSA funs'kd e.My dk xBu vf/fu;e esa fofufnZ"V çko/kuksa ds vuqlkj fd;k x;k gS] tks LVkWd ,Dlpsatksa ds lkFk lwphc¼ le>kSrs ds micU/ksa dh Hkh vuqikyuk djrk gSA

funs'kd e.My dk usr`Ro Hkkjrh; LVsV cSad ds vè;{k }kjk LVsV cSad vkWiQ chdkusj ,.M t;iqj ds insu vè;{k ds :i esa fd;k tkrk gSA cSad ds funs'kd e.My ds vU; lnL; bl çdkj gSa& izcU/ funs'kd (dk;Zikyd)] nks ukfer funs'kd (,d Hkkjr ljdkj ls ,oa ,d Hkkjrh; fjtoZ cSad ls)] vf/dre ik¡p funs'kd Hkkjrh; LVsV cSad ls ftuesa ls] vf/dre rhu ml cSad ds vf/dkjh gksa (dsUæ ljdkj dh lykg ls Hkkjrh; LVsV cSad xSj vf/dkjh funs'kd ukfer djsxk)] ,d&,d funs'kd çR;sd dkexkj vkSj xSj&dkexkj deZpkfj;ksa ls vkSj va'k/kfj;ksa }kjk fu/kZfjr çfØ;k ds rgr pqus gq, vf/dre rhu funs'kd (Hkkjrh; LVsV cSad ls ukfer dks lfEefyr djrs gq,)A

orZeku esa vè;{k rFkk izcU/ funs'kd ds vfrfjDr] nl funs'kd gSa] buesa ls rhu funs'kdksa dks va'k/kkfj;ksa }kjk pquk@ukfer fd;k x;k gSA

vuqyXudksa I (d) o I ([k) esa Øe'k% funs'kd e.My dh cSBdksa esa çR;sd funs'kd dh mifLFkfr rFkk vU; funs'kd e.Myksa@e.My lfefr;ksa] ftlesa os lnL; ;k vè;{k gSa] fooj.k fn;k x;k gSA xSj&dk;Zikyd funs'kdksa dk laf{kIr ifjp; vuqyXud&II esa fn;k x;k gSA

funs'kdksa dks lkekU; ;k=k ,oa fojke O;; dh çfriwfrZ ds vykok e.My dh cSBd esa 'kkfey gksus ds fy, çfr cSBd `20]000 rFkk funs'kd e.My dh lfefr;ksa dh cSBdksa esa lgHkkfxrk ds fy, çfr cSBd `10]000 (20-7-2015 ls) 'kqYd dk Hkqxrku fd;k tkrk gSA cSBd esa 'kkfey gksus ds fy, vè;{k] cSad ds

izcU/ funs'kd rFkk funs'kd] tks Hkkjrh; LVsV cSad] Hkkjrh; fjtoZ cSad ,oa Hkkjr ljdkj ds vf/dkjh gSa] dks 'kqYd dk Hkqxrku ugha fd;k tkrk gSA

lHkh xSj&dk;Zikyd funs'kdksa us ;g ?kks"k.kk dh gS fd mudk LVsV cSad vkWiQ chdkusj ,.M t;iqj ds lkFk dksbZ vkfFkZd laca/ ugha gSA

o"kZ 2015&16 esa izcU/ funs'kd dks Hkqxrku fd;k x;k osru ,oa HkÙks

foÙkh; o"kZ 2015&16 ds nkSjku] cSad ds izcU/ funs'kd Jh ch Jhjke ,oa Jh T;ksfr ?kks"k dks osru ,oa HkÙkksa ds :i esa dqy `44]07]594-32 dk Hkqxrku fd;k x;kA blesa vuqykHkksa ij cSad }kjk Hkqxrku fd;k x;k dj lfEefyr gS&

Øela[;k

uke osru ,oa HkÙks izksRlkgu vuqykHk vuqykHkksa ij dj ;ksx

1 Jh ch- Jhjke 0.00 3,29,982.00 0.00 0.00 3,29,982.00

2 Jh T;ksfr ?kks"k 30,22,573.32 6,39,469.00 2,09,450.00 2,06,120.00 40,77,612.32

o"kZ 2015&16 esa funs'kdksa dks cSBdksa ds fy, fn;k x;k 'kqYdfoÙkh; o"kZ 2015&16 ds nkSjku funs'kdksa dks e.My rFkk bldh fofHkUu lfefr;ksa dh cSBdksa ds fy, dqy ` 21]30]000@& ds 'kqYd dk Hkqxrku fd;k x;kA funs'kd e.My% o"kZ ds nkSjku ifjorZuJh uhjt O;kl] eq[; egkizcU/d (lg;ksxh ,oa leuq"kaxh lewg) Hkkjrh; LVsV cSad] dks Jh ch- jes'k ckcw ds] lg;ksxh ,oa leuq"kaxh lewg ls pUubZ lfdZy LFkkukarj.k gksus ij] 24-08-2015 ls eaMy esa euksuhr fd;k x;kA Jh jfo uUnu lgk;] eq[; egkizcU/d (lg;ksxh ,oa leuq"kaxh lewg) Hkkjrh; LVsV cSad] dks Jh vkj lh JhokLro ds lg;ksxh ,oa leuq"kaxh lewg ls 27-08-2015 dks vapy fujh{k.k dk;kZy;] cSaxyksj LFkkukarj.k gksus ij] 28-08-2015 ls eaMy esa euksuhr fd;k x;kA

Jh oh-ds- ekSaxk] egkizcU/d (lg;ksxh ,oa leuq"kaxh lewg)] Hkkjrh; LVsV cSad] dks fnukad 30-09-2015 dks Hkkjrh; LVsV cSad }kjk funs'kd euksuhr fd;k x;kAJh ,l-Mh-ckyh dk dk;Zdky 31-10-2015 dks iw.kZ gksus ds dkj.k inR;kx fd;k x;kAfuns'kd eaMy Jh jes'k ckcw] Jh vkj lh JhokLro vkSj Jh ,l-Mh- ckyh }kjk eaMy ds lkFk muds lgp;Z ds nkSjku fn;s x;s cgqewY; ;ksxnku ds fy, mudh gkfnZd iz'kalk vfHkfyf[kr djrk gS ,oa eaMy ds u, funs'kdks dk Lokxr djrk gSA31-03-2016 dks funs'kdksa dk laf{kIr ifjp; vuqyXud II esa fn;k x;k gSA

funs'kd e.My dh cSBdsa

o"kZ 2015&16 ds nkSjku funs'kd e.My dh 9 cSBdsa fnukad 06-5-2015] 16-06-2015] 23-06-2015] 24-07-2015] 11-09-2015] 20-10-2015] 30-12-2015] 28-01-2016 vkSj 18-03-2016 dks gqbZA funs'kd e.My dh cSBdksa esa funs'kdksa dh mifLFkfr dk foLr`r fooj.k vuqyXud 1(d) esa fn;k x;k gSA

lkèkkj.k lHkk dh cSBdsa cSad ds va'kèkkfj;ksa dh o"kZ 2014&15 dh 54oha okf"kZd lkèkkj.k lHkk dh cSBd 16 twu 2015 dks nksigj 3-00 cts egkjk.kk çrki vkWfMVksfj;e] t;iqj esa vk;ksftr dh xbZ] ftlesa funs'kd e.My ds fuEu funs'kdksa us Hkkx fy;k%&

Jherh v:U/fr HkV~Vkpk;Z Jh T;ksfr ?kks"k

Jh oh-th- dUuu Jh jes'k pUnz JhokLro

Jh xqykc flag Jh jRku dqekj :axVk

Jh fgedj vkj JhokLro Jh Hkkjr jru

Jh lquhy nÙk ckyh Jh v#.k dwyoky

blls iwoZ dh nks okf"kZd lk/kj.k lHkkvksa

47

India (Subsidiary Banks) Act, 1959 and Subsidiary Banks General Regulations, 1959, as amended from time to time. Board of Directors is constituted according to the provisions of the Act and also complies with the provisions of the Listing Agreement entered with the Stock Exchanges.

The Board of Directors is headed by the Chairman of State Bank of India, as ex-officio Chairman of the Bank. Other members of the Board are; the Managing Director (Executive), two nominee Directors (one from the Govt. of India and other from RBI), not more than 5 Directors nominated by State Bank of India, of whom not more than 3 shall be officers of that Bank (nomination of non-official director by SBI shall be in consultation with Central Government) , one Director each from employees - workmen and non workmen, respectively and not more than three Directors elected in the prescribed manner by the shareholders (including nominated by SBI).

At present, besides the Chairman and the Managing Director, there are 10 Directors on the Board including three Directors elected/ nominated by the shareholders.

Details of attendance of each Director at the meetings of the Board of Directors and number of other Committees of the Board of Directors in which he is a member or chairperson are given in annexure I(a) and I(b) respectively. Brief resume of the other non-executive Directors are also presented in Annexure II.

The Directors are paid sitting fee of Rs.20,000/- for attending every meeting of the Board of Directors and Rs.10,000/- for attending meetings of the various Committees of the Board

(w.e.f. 20.07.2015) apart from reimbursement of usual traveling and halting expenses. Sitting fees are not paid to the Chairman, the Managing Director and the Directors who are officials of SBI, RBI and Government of India.

All the non-executive Directors have declared that they do not have any pecuniary relationship vis-à-vis the Bank.

SALARY AND ALLOWANCES PAID TO THE MANAGING DIRECTOR IN 2015-16 A sum of `44,07,594.32 was paid as total remuneration to Shri B. Sriram and Shri Jyoti Ghosh, Managing Director during the financial year 2015-16. It includes tax on perquisites paid by the Bank and incentives as given below:

S.N. Name Salary & Allowance Incentive Perquisites Tax on

Perquisites Total

1 Shri B. Sriram 0.00 3,29,982.00 0.00 0.00 3,29,982.00

2 Shri JyotiGhosh 30,22,573.32 6,39,469.00 2,09,450.00 2,06,120.00 40,77,612.32

SITTING FEES PAID TO DIRECTORS IN 2015-16A sum of ` 21,30,000/- was paid as total sitting fees to the Directors for the meetings of the Board and its various Committees during the financial year 2015-16.

BOARD OF DIRECTORS : CHANGES DURING THE YEAR

Shri Neeraj Vyas Chief General Manager (A & S Group), SBI was nominated as a director on the Board by SBI on 24.08.2015 vice Shri B. Ramesh Babu, who relinquished the office on 24.08.2015 consequent to his transfer from A&S Department to Chennai Circle.

Shri Ravi Nandan Sahay Chief General Manager (A & S Group), SBI was nominated as a director on the Board by SBI on

28.08.2015 vice Shri R.C. Srivastava, who relinquished the office on 27.08.2015 on his transfer from A&S Department to Zonal Inspection Office, Bangalore.

Shri V.K. Monga General Manager (A & S Group), SBI was nominated as a director on the Board by SBI on 30.09.2015.

Shri S.D. Bali demitted the office after completion of his tenure on 31.10.2015.

The Board of Directors places on record its deep sense of appreciation for the valuable contributions made by Shri Ramesh Babu, Shri R.C. Srivastava and Shri S.D. Bali during their association with the Board and welcomes the new Directors on the Board.

A Brief Bio-Data of the Directors as on 31st March, 2016 is furnished in Annexure-II.

BOARD MEETINGS

During the year 2015-16, 9 meetings of the Board of Directors were held on 06.05.2015, 16.06.2015, 23.06.2015, 24.7.2015, 11.09.2015, 20.10.2015, 30.12.2015, 28.1.2016, and 18.03.2016. Details of the attendance of the Directors are as per Annexure I (a).

GENERAL BODY MEETINGS :

54th Annual General Meeting of the shareholders of the Bank for the financial year 2014-15 was held at Maharana Pratap Auditorium, Jaipur on, 16th June, 2015 (Tuesday) at 11.30 a.m., and was attended by the following Directors on the Board:

48

dh cSBdsa o"kZ 2012&13 ,oa 2013&14 ds fy, Øe'k% fnukad 07-06-2013 (çkr% 11%30 cts) ,oa 02-06-2014 (çkr% 11%30 cts) t;iqj esa vk;ksftr dh xbZA mijksDr xr rhu okf"kZd lk/kj.k lHkk esa dksbZ Hkh fo'ks"k izLrko@Mkder ds tfj, izLrko ikfjr ugha fd, x;sA

e.My dh lfefr;k¡funs'kd e.My us eaMy dh fuEufyf[kr 13 lfefr;k¡ xfBr dh gSa&1- funs'kd e.My dh dk;Zdkfj.kh

lfefrA2- funs'kd e.My dh ys[kk ijh{kk

lfefrA3- funs'kd e.My dh tksf[ke çcU/u

lfefrA4- funs'kd e.My dh funs'kd lfefr5- cM+h jkf'k dh /ks[kk/fM+;ksa ds

vuqoh{k.k gsrq fo'ks"k lfefrA6- funs'kd e.My dh xzkgd lsok

lfefrA7- funs'kd e.My dh fgr/kjd lEcUèk

lfefrA 8- funs'kd e.My dh ikfjJfed

lfefrA9- funs'kd e.My dh ukekadu lfefr10- eaMy dh olwyh lfefr11- eaMy dh lwpuk çkS|ksfxdh dk;Zuhfr

lfefrA 12- bjknru pwd drkZ dh igpku gsrq

lfefr ds fu.kZ; dh leh{kkFkZ leh{kk lfefrA

13- ,d ½.kh dks vlg;ksxh ½.kh ds :i esa igpku o oxhZdj.k gsrq xfBr lfefr }kjk fy;s x;s fu.kZ;ksa dh leh{kkFkZ leh{kk lfefr

funs'kd e.My dh dk;Zdkfj.kh lfefr (bZlh)funs'kd e.My dh dk;Zdkfj.kh lfefr dk xBu LVsV cSad vkWiQ chdkusj ,.M t;iqj ds lkekU; fofu;e 2015 ds fofu;eu 47 (1) ds rgr fd;k x;k gS] ftlesa çcU/ funs'kd] Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e] 1959 dh

/kjk 25 dh mi /kjk (1) ds [k.M (lh) ds v/hu rhu ukfer funs'kd] ftuesa ls vf/dre nks Hkkjrh; LVsV cSad ds vf/dkjh gksaxs vkSj ,d funs'kd vf/kfu;e dh /kjk 25 dh mi /kjk (1) ds [k.M (Mh) ds v/khu va'k/kfj;ksa }kjk pquk x;k gks] lfEefyr gSaA lfefr dk fiNyk iquxZBu fnukad 19-03-2015 dks fd;k x;kA dk;Zdkfj.kh lfefr esa orZeku esa funs'kd eaMy ds 4 lnL; gSa] ;Fkk Jh T;ksfr ?kks"k] çca/ funs'kd] Hkkjrh; LVsV cSad }kjk ukfer funs'kd Jh uhjt O;kl] eq[; egkizca/d (lg;ksxh ,oa leuq"kaxh leqg) vkSj Jh jfo uUnu lgk;] eq[; egkizca/d (lg;ksxh ,oa leuq"kaxh leqg) rFkk Lora=k funs'kd Jh fgedj vkj JhokLroA vU; dksbZ funs'kd] tks cSBd esa Hkkx ysus ds bPNqd gksa] Hkkx ys ldrs gSaA dk;Zdkfj.kh lfefr e.My ds le;&le; ij fo'ks"k vFkok lkekU; funsZ'kksa ds vykok cSad ds lHkh rRdkfyd fo"k;ksa ij fu.kZ; ysus gsrq vf/Ñr gSA dk;Zdkfj.kh lfefr dh cSBd ekg es de ls de ,d ckj gksuh pkfg,A o"kZ 2015&16 ds nkSjku dk;Zdkfj.kh lfefr dh 13 cSBdsa vk;ksftr dh xbZ ftudk fooj.k vuqyXud 1 (x) esa fn;k x;k gSA

funs'kd e.My dh ys[kk ijh{kk lfefr (,lhch)funs'kd e.My dh ys[kk ijh{kk lfefr dk iquZxBu fnukad 18-03-2016 dks gqvkA ys[kk ijh{kk lfefr esa orZeku esa funs'kd e.My ds 4 lnL; gSa ftlesa Hkkjrh; fjtoZ cSad ,oa Hkkjrh; LVsV cSad ds euksuhr funs'kd rFkk nks Lora=k xSj&dk;Zikyd funs'kd gSaA Jh Hkkjr jru] bl lfefr ds 10-03-2015 ls vè;{k gSaA 31-03-2016 dks ys[kk ijh{kk lfefr ds lnL; bl çdkj gSa&

(i) Jh Hkkjr jru&vè;{k(ii) Hkkjrh; fjtoZ cSad }kjk ukfer

funs'kd&lnL;(iii) Hkkjrh; LVsV cSad }kjk ukfer

funs'kd&lnL;

(iv) Jh fgedj jkepaæ JhokLro&lnL;

e.My dh ys[kk ijh{kk lfefr cSad ds dqy ys[kk ijh{kk dk;Z ds voyksdu ds lkFk&lkFk fn'kk&funsZ'k Hkh miyC/ djkrh gSA e.My dh ys[kk ijh{kk lfefr dh eq[; Hkwfedk] dk;ksaZ ,oa vf/dkjksa esa lfEefyr gS%&

y cSad dh foÙkh; lwpuk çfØ;k dks ns[kuk ,oa ;g lqfuf'pr djuk fd foÙkh; lwpuk ds çdVhdj.k esa foÙkh; fooj.k lgh] i;kZIr ,oa fo'oluh; gSaA

y lkafof/d ys[kk ijh{kd dh fu;qfDr gsrw vuq'kalk djuk ,oa lkafof/d ys[k ijh{kd }kjk çnÙk vU; lsokvksa gsrq muds Hkqxrku dks vuqeksfnr djukA

y e.My dks okf"kZd foÙkh; fooj.k vuqeksnukFkZ çLrqr djus ds iwoZ çcU/u ds lkFk leh{kk djuk] fo'ks"k lanHkZ esa&

(,) e.My dh fjiksVZ esa lfEefyr fd;s tkus gsrq] funs'kd nkf;Ro fooj.k esa 'kkfey djus ds fy, ekeyksa dh vko';drkA

(ch) ys[kkadu uhfr;ksa ,oa dk;Zç.kkyh esa ifjorZu] ;fn dksbZ gks] dkj.k lfgrA

(lh) çcU/u }kjk fy, x, fu.kZ; ds vk/kj ij vuqeku vk/kfjr eq[; ys[kkadu çfof"V;k¡A

(Mh) ys[kk ijh{kk ds nkSjku Kkr foÙkh; fooj.k esa fd;s x;s egÙoiw.kZ lek;kstuA

(bZ) foÙkh; fooj.k ds laca/ esa lwphc¼ ,oa vU; dkuwuh vko';drkvksa dh vuqikyukA

(,iQ) lEcf/r i{kksa ds ysunsu dks çdV djukA

(th) ys[kk ijh{kk fjiksVZ ds çk:i esa la'kksf/r jk; izdV djukA

y e.My dks frekgh foÙkh; fooj.k vuqeksnukFkZ çLrqr djus ls iwoZ çcU/u ds lkFk leh{kk djukA

y lkafof/d ,oa vkUrfjd ys[kk ijh{kdksa ds dk;Z fu"iknu] vkUrfjd fu;a=k.k dk;Zfof/ dh i;kZIrrk dh çcU/u ds

49

Smt. Arundhati Bhattacharya

Shri Jyoti Ghosh

Shri V.G. Kannan Shri Ramesh Chandra Srivastava

Shri Gulab Singh Shri Ratan Kumar Roongta

Shri Himkar R. Srivastava

Shri Bharat Rattan

Shri Sunil Dutt Bali Shri Arun Koolwal

The previous two Annual General Meetings for the financial year 2012-13 and 2013-14 were held at Jaipur on 07.06.2013 (11.30 am) and 02.06.2014 (11.30 am) respectively.

COMMITTEES OF THE BOARD The Board of Directors has constituted 13 Committees of the Board, viz. 1. Executive Committee of the

Board2. Audit Committee of the Board3. Risk Management Committee

of the Board4. Directors' Committee of the

Board5. Special Committee to Monitor

Large Value Frauds6. Customer Service Committee

of the Board7. Stakeholders’ Relationship

Committee of the Board8. Remuneration Committee of

the Board 9. Nomination Committee of the

Board10. Recovery Committee of the

Board11. IT Strategy Committee of the

Board

12. Review Committee to review the decisions of the Committee for identification of wilful defaulters

13. Review committee for decision taken by the identification committee in identification & classification of a borrower as Non-cooperative borrower

EXECUTIVE COMMITTEE OF THE BOARD (EC)

The Executive Committee of the Board is constituted as per Regulation 47(1) of the State Bank of Bikaner and Jaipur General Regulations, 2015 and consists of Managing Director, three Directors nominated under clause (c) of sub section (1) of Section 25 of the SBI (SB) Act, 1959 by State Bank of India of whom not more than two shall be officers of the State Bank of India, and one Director elected by the shareholders under clause (d) of sub section (1) of Section 25 of the Act. The Committee was last reconstituted on 19.03.2015. EC presently has 4 members of the Board of Directors viz. Shri Jyoti Ghosh, Managing Director, Shri Neeraj Vyas, Chief General Manaher (A&S Group) and Shri Ravi Nandan Sahay, Chief General Manaher (A&S Group), SBI Nominee Directors and Shri Himkar R. Srivastava, Independent Director. Any other Director wishing to attend the meeting has an option to do so. The Executive Committee, apart from the special or general directions of the Board given from time to time, is empowered to take decisions in respect of all current business of the Bank.

The meeting of the Executive Committee is required to be held at least once in a calendar month. 13 meetings of the Executive Committee were held during the year 2015-16 {details given in Annexure 1(c)}.

AUDIT COMMITTEE OF THE BOARD (ACB)

The Audit Committee of the Board was reconstituted on 18.03.2016. ACB has presently 4 members of the Board of Directors, including

RBI and SBI Nominee Directors and two independent non-executive Directors. Shri Bharat Rattan, is the Chairman of the Committee w.e.f. 10.03.2015. The members of ACB as on 31.03.2016 are:

i) Shri Bharat Rattan- Chairman

ii) RBI Nominee Director - Member

iii) SBI Nominee Director – Member

iv) Shri Himkar Ramchandra Srivastava- Member

ACB provides directions as also oversees the total audit function in the Bank. The major role, functions and powers of the ACB include: -

• to oversee the Bank’s financial reporting process and disclosure of its financial information to ensure that the financial statement is correct, sufficient and credible.

• to recommend for appointment of Statutory Auditors and approve any payment to Statutory Auditors for any other service rendered by them.

• to review, with the Management, the annual financial statements before submission to the Board for approval, with particular reference to:

(a) Matters required to be included in the Director’s Responsibility Statement to be included in the Board’s Report.

(b) Changes, if any, in accounting policies and practices and reasons for the same.

(c) Major accounting entries involving estimates based on the exercise of judgment by Management.

(d) Significant adjustments made in the financial statements arising out of audit findings.

(e) Compliance with listing and other legal requirements relating to financial statements.

50

lkFk leh{kk djukA

y fujh{k.k ,oa ys[kk ijh{kk dk;ksaZ dh i;kZIrrk] ;fn dksbZ gks] vkarfjd ys[kk ijh{kk foHkkx ds <k¡ps] foHkkx ds dk;Zdkjh foHkkxè;{k dh ojh;rk ,oa LVkiQ] fjiksfVaZx dk <k¡pk] vkarfjd ys[kk ijh{kk dh fujarjrk ,oa dk;Z{ks=k lfgr] dh leh{kk djukA egÙoiw.kZ fu"d"kksZ ,oa muds vuqorZu ij vkarfjd ys[kk ijh{kdksa ds lkFk fopkj&foe'kZ djukA

y ,lhch o`gr ikjnf'kZrk lqfuf'pr djus gsrq cSad dh foÙkh;] tksf[ke izcU/u] lwpuk ra=k vads{k.k uhfr rFkk ys[kkadu uhfr;ka@iz.kkfy;ksa dh leh{kk djrh gSA

y egRoiw.kZ fu"d"kks± ,oa muds vuqorZu ij vkarfjd vads{kdksa ds lkFk fopkj&foe'kZ djukA

y fdlh lUnsgkRed tkylkth ,oa vfu;ferrk ;k egÙoiw.kZ çÑfr dh vkUrfjd fu;a=k.k fof/ dh foiQyrk] tks fd vkUrfjd ys[kk ijh{kdksa }kjk vkUrfjd vUos"k.kksa ds nkSjku ik, x, ekeyksa dh leh{kk djuk rFkk e.My dks lwfpr djukA

y ys[kk ijh{kk çkjEHk gksus ls iwoZ lkafof/d ys[kk ijh{kdksa ls ys[kk ijh{kk dh çÑfr ,oa {ks=k ds lkFk&lkFk fdlh Hkh lacaf/r {ks=k dks Kkr djus gsrq ys[kk ijh{kk ds i'pkr~ okrkZyki djukA

y tekdrkZvksa] ca/d/kjdksa] va'k/kjdksa (?kksf"kr ykHkka'k ds Hkqxrku u gksus ds ekeys esa) ,oa ysunkjksa dks Hkqxrku esa lEHkkfor pwd ds dkj.kksa dks ns[kukA

y fOgly Cyksoj dk;Z ç.kkyh dh leh{kk djukA

y dsokbZlh@,,y,e ds fn'kkfunsZ'kksa] [k.M 49 dh vuqikyuk o lsch }kjk le;&le; ij tkjh fn'kkfunsZ'kksa dh vuqikyuk] vUrj&'kk[kk lek;kstu [kkrksa] vUrj&cSad ,oa uksLVªks [kkrksa esa yEcs le; ls çfof"V;ksa dk feyku

u gksuk] 'kk[kkvksa dh 'ks"k iqLrdksa esa cdk;k] tkylkth ,oa lHkh eq[; vkUrfjd çca/ O;oLFkk o ?kks"k rFkk ftykuh lfefr dh fliQkfj'kksa dks ykxw djus dh fLFkfr ij vuqorhZ dkjZokbZA

y Hkk-fj-cSad }kjk cSafdax jsX;wys'ku vfèkfu;e] 1949 dh /kjk 35 ds vUrxZr okf"kZd foÙkh; fujh{k.k fjiksVZ o laijhfo{kdksa ds ,y,iQ,vkj vkSj vU; vkUrfjd ys[kk ijh{kdksa ds fjiksVZ ij vuqorhZ dk;ZokghA

ys[kk ijh{kk lfefr fuEufyf[kr lwpukvksa dh Hkh leh{kk djrh gS&

(,) çca/u okrkZyki ,oa foÙkh; fLFkfr ewY;kadu ,oa ifjpkyu ifj.kkeA

(ch) çca/u }kjk çLrqr egÙoiw.kZ lEcf/r i{k ysu&nsu (ys[kk ijh{kk lfefr }kjk ifjHkkf"kr) dk fooj.kA

(lh) çca/dh; i=k@lkafof/d ys[kk ijh{kdksa }kjk vkarfjd fu;a=k.k esa ikbZ xbZ dfe;ksa ds fy, i=kA

(Mh) vkarfjd fu;a=k.k dh dfe;ksa ds laca/ esa vkarfjd ys[kk ijh{kk fjiksVZA

mijksDRk Hkwfedk dk fuoZgu djrs gq, e.My dh ys[kk ijh{kk lfefr esa lUnfHkZr 'krksaZ ds vUrxZr fdlh Hkh dk;Zdyki dk vUos"k.k djokus] deZpkfj;ksa ls lwpuk ysus ,oa ckgjh L=kksr ls dkuwuh ,oa O;kolkf;d lykg ysus dh 'kfDr fufgr gSA

o"kZ 2015&16 ds nkSjku] ys[kk ijh{kk lfefr dh 6 cSBdsa gqbZ] çR;sd frekgh esa de ls de ,d cSBd vk;ksftr dh xbZA (ftudk fooj.k vuqyXud&I (Mh) esa fn;k x;k gSA)

funs'kd e.My dh tksf[ke çcU/u lfefr (vkj,elhch)

funs'kd e.My dh tksf[ke çcU/u lfefr esa funs'kd e.My ds 5 lnL; ;Fkk çcU/

funs'kd] Hkkjrh; LVsV cSad }kjk ukfer funs'kd] vkSj rhu xSj&dk;Zikyd funs'kd (Jh jru dqekj :axVk] Jh Hkkjr jru ,oa Jh fgedj jkepaæ JhokLro) gSaA tksf[ke çcU/u lfefr dk fiNyk iquxZBu 18-03-2016 dks fd;k x;kA e.My dh tksf[ke çcU/u lfefr ,dhÑr tksf[ke çcU/u ls lEcfU/r fofHkUu tksf[keksa ls fuiVus ds fy, uhfr fu/kZfjr djrh gSA o"kZ 2015&16 ds nkSjku] e.My dh tksf[ke çcU/u lfefr dh 4 cSBdsa vk;ksftr dh xbZA

e.My dh funs'kd lfefr

Hkkjr ljdkj ds fnukad 24-10-1990 ds fn'kk&funsZ'kksa ds vuq:i cSad esa funs'kd lfefr dk;Z dj jgh gSA lfefr esa çcU/ funs'kd ,oa lewg dk;Zikyd (lg;ksxh cSad) Hkkjrh; LVsV cSad] çcU/ funs'kd (,lchchts)] Hkkjrh; fjtoZ cSad }kjk ukfer ,oa Hkkjr ljdkj }kjk ukfer funs'kd lnL; gSaA funs'kd lfefr lrdZrk ,oa vuq'kklu lEcU/h vU; ekeyksa ds fuLrkj.k dh leh{kk djrh gSA o"kZ 2015&16 ds nkSjku lfefr dh 4 cSBdsa vk;ksftr dh xbZA

cM+h jkf'k dh /ks[kk/fM+;ksa ds vuqoh{k.k gsrq fo'ks"k lfefr

Hkkjrh; fjtoZ cSad }kjk tkjh fn'kk&funsZ'kksa ds vuqlkj] ,d djksM+ #i;s ,oa mlls vf/kd dh jkf'k;ksa okyh /ks[kk/kfM+;ksa dh fuxjkuh ,oa vuqorZu gsrq ,d fo'ks"k lfefr dk xBu fd;k x;kA lfefr dk iquxZBu 18-03-2016 dks fd;k x;k FkkA bl fo'ks"k lfefr dh o"kZ esa de ls de 4 cSBdsa vk;ksftr dh tkrh gS rFkk tc Hkh dksbZ 1 djksM+ :i;s ;k mlls vf/d dh /ks[kk/M+h lkeus vkrh gS rks mldh leh{kk dh tkrh gSA lfefr ds lnL;ksa esa çcU/ funs'kd] Hkkjrh; LVsV cSad }kjk ukfer funs'kd] ljdkj }kjk ukfer

51

(f) Disclosure of any related party transactions.

(g) Modified opinion(s) in the draft audit report.

• Review, with the Management, the quarterly financial statements before submission to the Board for approval.

• Review, with the Management, performance of Statutory and Internal Auditors, adequacy of the internal control systems.

• Review the adequacy of inspection and audit function, if any, including the structure of the Internal Audit Department, staffing and seniority of the official heading the Department, reporting structure, coverage and frequency of internal audit.

• ACB reviews the Bank’s financial , Risk Management, IS Audit Policies and Accounting policies/ systems of the Bank to ensure greater transparency.

• Discuss with Internal Auditors of any significant findings and follow up thereon.

• Review the findings of any internal investigations by the Internal Auditors into matters where there is suspected fraud or irregularity or a failure of internal control systems of a material nature and reporting the matter to the Board.

• Discuss with Statutory Auditors before the audit commences, about the nature and scope of audit as well as post-audit discussion to ascertain any area of concern.

• Look into the reasons for substantial defaults in the payment to the depositors, debenture holders, shareholders (in case of non-payment of declared dividends) and creditors.

• Review the functioning of the Whistle Blower mechanism.

• Focus on follow up of KYC-AML guidelines, compliance of clause 49 and other guidelines issued by SEBI from time to time, Inter-Branch adjustment account, unreconciled long outstanding entries in Inter-Bank & Nostro Accounts, arrears in balancing books of branches, frauds, other areas of housekeeping and status of implementation of Ghosh & Jilani Committee recommendations.

• ACB follows up on all the issues raised in RBI’s Annual Financial Inspection Reports under Section 35 of Banking Regulation Act, 1949 and Long Form Audit Reports of the Statutory Auditors and other Internal Audit Reports.

The Audit Committee also reviews the following information:

(a) Management discussion and analysis of financial condition and results of operations.

(b) Statement of significant related party transactions (as defined by the Audit Committee), submitted by Management.

(c) Management letters/letters of internal control weaknesses issued by the Statutory Auditors.

(d) Internal Audit reports relating to internal control weaknesses.

In fulfillment of the above role, the Audit Committee has the powers to investigate any activity within its terms of reference, to seek information from employees and to obtain outside legal and professional advise.

6 meetings of ACB were held during the year 2015-16, with at least one meeting in each quarter {details furnished in Annexure 1(d)}.

RISK MANAGEMENT COMMITTEE OF THE BOARD (RMCB)The RMCB consists of 5 members of the Board of Directors viz. Managing Director, SBI Nominee Director and three Non-Executive Directors (viz. Shri Ratan Kumar Roongta, Shri Bharat Rattan and Shri Himkar Ramchandra Srivastava). The RMCB was last reconstituted on 18.03.2016. RMCB oversees the policy and strategy for integrated risk management related to various risk exposures of the Bank. 5 meetings of RMCB were held during the year 2015-16.

DIRECTORS' COMMITTEE OF THE BOARDIn terms of Govt. of India directives dated 24.10.1990, the Directors’ Committee of the Board is functioning in the Bank. The Committee consists of Managing Director & Group Executive (Associate Banks) SBI, the Managing Director (SBBJ), RBI Nominee Director and the Govt. Nominee Director. The Committee is required to review the disposal of vigilance and other disciplinary action cases. 4 meetings of the Committee were held during the year 2015-16.

SPECIAL COMMITTEE TO MONITOR LARGE VALUE FRAUDSIn terms of RBI guidelines, a Special Committee of Directors was constituted for monitoring and follow-up of cases of frauds involving amounts of Rs.1 crore and above. The committee was reconstituted on 18.3.2016. The Special Committee meets and reviews at least four times in a year and as and when a fraud involving an amount of Rs.1 crore and above comes to light. The members of the Committee are Managing Director, SBI Nominee

52

funs'kd] Jh Hkkjr jru ,oa Jh fgedj jkepaæ JhokLro gSaA o"kZ 2015&16 ds nkSjku bl lfefr dh 5 cSBdsa vk;ksftr dh xbZA

e.My dh xzkgd lsok lfefr

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kkuqlkj e.My dh xzkgd lsok lfefr dk xBu fd;k x;kA lfefr dk iquxZBu 18-03-2016 dks fd;kA orZeku esa lfefr ds 4 lnL; gSa ;Fkk çcU/ funs'kd] Jh jru dqekj :axVk] Jh Hkkjr jru (xSj dk;Zikyd funs'kd) vkSj dkexkj funs'kdA o"kZ 2015&16 ds nkSjku] bl lfefr dh 4 cSBdsa vk;ksftr dh xbZA

e.My dh fgr/kjd lEcU/ lfefr

e.My dh fgr/kjdksa dh laca/ lfefr lsch (fyfLVax nkf;R;ksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 dh fofu;eu 20 dh vuqikyuk esa funs'kd e.My dh fgr/kjd laca/ lfefr dk iquxZBu 18-03-2016 dks Lora=k dk;Zikyd funs'kd dh vè;{krk esa fd;k x;kA ,lvkjlhch esa fufgr orZeku funs'kdksa ds uke gSa& Jh jru dqekj :axVk] va'k/kjh funs'kd&vè;{k] çcU/ funs'kd & lnL; vkSj Jh fgedj jkepaæ JhokLro] va'k/kjh funs'kd&lnL;A

o"kZ 2015&16 ds nkSjku] çkIr f'kdk;rksa dh fLFkfr dh leh{kk ds fy, ,lthlhch dh 4 frekgh cSBdsa vk;ksftr dh xbZA o"kZ ds nkSjku 16 f'kdk;rsa çkIr gqbZ vkSj lHkh dk fuiVku larks"ktud :i ls fd;k x;kA fnukad 31-03-2016 dks dksbZ f'kdk;r yfEcr ugha FkhA fnukad 31-03-2016 dks va'kksa ds gLrkarj.k ls lEcf/r ,d ekg ls vf/d iqjkuk dksbZ vkosnu yfEcr ugha gSA cSad vnkokÑr ykHkka'k ds ekeyksa esa va'k/kjdksa ls fu;fer vuqorhZ dk;Zokgh dj jgk gSA

e.My dh ikfjJfed lfefr

Hkkjr ljdkj foÙk e=kky;] vkfFkZd dk;Z foHkkx (cSfdax çHkkx)] ds i=k ,iQ la 20@1@2005&chvks&1 fnukad 9 ekpZ 2007 ds vuqlkj ljdkj us ;g fu'p; fd;k gS fd Hkkjr ljdkj ls Lohdk;Z mís';kRed oDrO; (,lvksvkbZ) ds rgr lkoZtfud {ks=k ds cSadksa ds iw.kZdkfyd funs'kd fu"iknu ewY;kadu eSfVªDl ij vk/kfjr O;kid ifjek.kkRed ekudksa ds rgr fu"iknu ls lacf/r çksRlkgu çkIr djus ds fy, ik=k gksaxsA fu"iknu dk ewY;kadu e.My dh ,d mi&lfefr }kjk fd;k tk,xk ftlesa (1) ljdkj }kjk ukfer funs'kd] (2) Hkkjrh; fjtoZ cSad }kjk ukfer funs'kd ,oa (3) nks vU; funs'kd 'kkfey gksaxsA fnukad 18-03-2016 dks ifjJfed lfefr dk iquZxBu fd;k x;k gS ;Fkk Hkkjr ljdkj }kjk ukfer funs'kd] Hkkjrh; fjtoZ cSad }kjk ukfer funs'kd] ,oa nks vU; funs'kd ;Fkk (i) Jh jru dqekj :axVk (ii) Jh fgedj jkepaæ JhokLroA o"kZ 2015&16 ds nkSjku bl lfefr dh ,d cSBd vk;ksftr dh xbZ] ftlesa lfefr ds lHkh lnL; mifLFkr FksA

e.My dh ukekadu lfefr

Hkkjrh; fjtoZ cSad ds funsZ'kkuqlkj] pqus gq, funs'kdksa dh ¶;ksX; ,oa leqfpr¸ fLFkfr ds fu/kZj.k gsrq funs'kd e.My dh ukekadu lfefr dk iquxZBu fnukad 18-03-2016 dks gqvkA lfefr esa fufgr orZeku funs'kdksa ds uke gSa& (i) Jh jru dqekj :axVk&v/;{k (ii) ljdkj }kjk ukfer funs'kd ,oa (iii) Hkkjrh; LVsV cSad }kjk ukfer funs'kd ,oa Jh Hkkjr jru&lnL;A o"kZ ds nkSjku] bl lfefr dh dksbZ Hkh cSBd vk;ksftr ugha dh xbZA

funs'kd eaMy dh olwyh lfefr

Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj

xSj fu"ikfnr [kkrksa esa olwyh dh leh{kk djus gsrq olwyh lfefr dk xBu fd;k x;k gSA bl lfefr esa çca/ funs'kd] Hkkjr ljdkj }kjk ukfer funs'kd] ,d Lora=k funs'kd (Jh jru dqekj :axVk)A olwyh lfefr dh cSBd de ls de ekg esa ,d ckj gksuh pkfg,A o"kZ 2015&16 ds nkSjku 12 cSBdsa vk;ksftr dh xbZA

eaMy dh lwpuk çkS|ksfxdh dk;Zuhfr lfefr

Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj] lwpuk çkS|ksfxdh dk;Zuhfr lfefr dk xBu ,d Lora=k funs'kd dh vè;{krk esa fnukad 18-03-2016 dks fd;k x;kA bl lfefr esa Jh fgedj jkepaæ JhokLro va'k/kjh funs'kd vè;{k] çca/ funs'kd] lnL; vkSj Jh jru dqekj :axVk va'k/kjh funs'kd&lnL; gSa ,oa Jh Hkkjr jru] va'k/kjh funs'kd&lnL;A

bjknru cdk;knkjksa dh igpku djus gsrq xfBr lfefr ds fu.kZ;ksa dh leh{kkFkZ leh{kk lfefr

vkj-ch-vkbZ ds fn'kk funsZ'kksa ds vuqlkj bjknru cdk;knkjksa dh igpku gsrq xfBr lfefr dh dk;Zfof/ dh iqf"V o leh{kkFkZ bjknru cdk;knkjksa dh lfefr dk xBu fd;k x;k gSA bl lfefr esa izca/ funs'kd (vè;{k) vkSj nks Lora=k funs'kd lnL; ds :i esa gSA izR;sd ekg esa leh{kk lfefr dh de ls de ,d cSBd vk;ksftr fd;k tkuk vko';d gSA o"kZ 2015&16 ds nkSjku leh{kk lfefr dh 6 cSBdsa vk;ksftr dh xbZA

,d ½.kh dks vlg;ksxh ½.kh ds :i esa igpku o oxhZdj.k gsrq xfBr lfefr }kjk fy;s x;s fu.kZ;ksa dh leh{kkFkZ leh{kk lfefr

vkj-ch-vkbZ ds fn'kk funsZ'kksa ds vuqlkj vlg;ksxh ½f.k;ksa dh igpku gsrq xfBr

53

Director, Govt Nominee Director, Shri Bharat Rattan, and Shri Himkar Ramchandra Srivastava. 4 meetings of this Committee were held during the year 2015-16.

CUSTOMER SERVICE COMMITTEE OF THE BOARD The Customer Service Committee of the Board was constituted in terms of RBI guidelines. The Committee was reconstituted on 18.3.2016. The present Committee consists of 4 members viz. Managing Director, Shri Ratan Kumar Roongta, Shri Bharat Rattan (Non-Executive Directors) and Workmen Director. 4 meetings of the Committee were held during the year 2015-16.

STAKEHOLDERS RELATIONSHIP COMMITTEE OF THE BOARD In terms of Regulation 20 of the SEBI (LODR) Regulations, 2015, the Stakeholders Relationship Committee of the Board (SRCB) has been reconstituted on 18/3/2016 under the Chairmanship of an independent Director. The SRCB presently consists of the following Directors, viz. Shri Ratan Kumar Roongta, Shareholder Director-Chairman, Managing Director, Member and Shri Himkar Ramchandra Srivastava, Shareholder Director– Member.

The Committee held 4 quarterly meetings during 2015-16 to review the position of complaints received. During the year, 16 complaints were received and all were satisfactorily resolved. As on 31.03.2016, no complaint was pending. No application for transfer of shares was pending for more than one month as on 31.03.2016. The Bank is regularly following up with the shareholders in the matter of unclaimed dividends.

REMUNERATION COMMITTEE OF THE BOARDIn terms of Government of India, Ministry of Finance, Department of Economic Affairs (Banking Division) letter F.No.20/1/2005-BO.I dated March 9, 2007, the Government has decided that the whole time Directors of Public Sector Banks would be entitled to performance linked incentives subject to achievement of broad quantitative parameters under the Statement of Intent (SoI) entered into with the Government of India. The evaluation of performance would be done by a Sub-Committee of the Board consisting of (i) Government Nominee Director, (ii) RBI Nominee Director, and (iii) two other Directors. The Remuneration Committee was reconstituted on 18/03/2016 with the Directors viz. Government Nominee Director RBI Nominee Director and two other Directors, viz. (i) Shri Ratan Kumar Roongta (ii) Shri Himkar Ramchandra Srivastava. One meeting of the Committee was held during 2015-16, wherein all the members of the Committee were present.

NOMINATION COMMITTEE OF THE BOARDIn terms of RBI's guidelines, a Nomination Committee of the Board was constituted to determine ‘fit and proper’ status of the elected Directors. The Committee was reconstituted on 18/03/2016. The Committee consists of the following Directors viz. (i) Shri Ratan Kumar Roongta – Chairman, (ii) Government Nominee Director, (iii) SBI Nominee Director and Shri Bharat Rattan - Member. During the year no meeting of the Committee was held.

RECOVERY COMMITTEE OF THE BOARDIn terms of Govt. of India guidelines,

the Recovery Committee has been constituted to monitor progress in recovery in NPA accounts. The Committee consists of Managing Director, Govt Nominee Director, an Independent Director (Shri Ratan Kumar Roongta). The meeting of the Recovery Committee is required to be held at least once in a calendar month. 12 meetings of the Recovery Committee were held during the year 2015-16.

IT STRATEGY COMMITTEE OF THE BOARDIn terms of Govt. of India guidelines, the IT Strategy Committee has been constituted on 18/03/2016 under the Chairmanship of an independent Director. The Committee consists of Shri Himkar Ramchandra Srivastava Shareholder Director-Chairman, Managing Director, Member, Shri Ratan Kumar Roongta, Shareholder Director– Member and Shri Bharat Rattan, Shareholder Director– Member .

REVIEW COMMITTEE TO REVIEW THE DECISIONS OF THE COMMITTEE FOR IDENTIFICATION OF WILFUL DEFAULTERS

In terms of RBI guidelines, the Review Committee for Willful Defaulters has been constituted to review and confirm the order of Identification Committee for Willful Defaulters. The Committee consists of Managing Director (Chairman) and two independent Director as members. The meeting of the Review Committee for Willful Defaulters is required to be held at least once in a quarter. Six meetings of the Review Committee were held during the year 2015-16.

REVIEW COMMITTEE TO REVIEW THE DECISIONS TAKEN BY THE COMMITTEE FOR IDENTIFIVATION & CLASSIFICATION OF A BORROWER AS NON-COOPERATIVE BORROWERS.

54

lfefr dh dk;Zfof/ dh iqf"V o leh{kkFkZ vlg;ksxh ½f.k;ksa dh leh{kk lfefr dk xBu fd;k x;k gSA bl lfefr esa izca/ funs'kd (vè;{k) vkSj nks Lora=k funs'kd lnL; ds :i esa gSA izR;sd frekgh esa vlg;ksxh ½f.k;ksa dh leh{kk lfefr dh de ls de ,d cSBd vk;ksftr fd;k tkuk vko';d gSA o"kZ 2015&16 ds nkSjku vlg;ksxh ½f.k;ksa dh leh{kk lfefr dh 2 cSBdsa vk;ksftr dh xbZA

vuqikyuk vf/dkjh dk uke o in ('ks;lZ ,.M ckW.M~l)

lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 ds vuqlkj Jherh v#.kk fufru nd] eq[; çcU/d ('ks;lZ ,.M ckW.M~l) dks vuqikyuk vf/dkjh ds :i esa inLFkkfir fd;k x;k gSA

Lora=k funs'kdksa ds fy, vfHkKrk dk;ZØe

Lora=k funs'kdksa }kjk vfHkKrk dk;ZØe esa Hkkx ysus dk foLr`r fooj.k cSad dh osc lkbZV www.sbbjbank.com ij fu;ked izdVhdj.k vuqHkkx esa fyfLVax izdVhdj.k ds vUrZxr miyC/ gSA

ys[kk i¼fr esa ifjorZu

cSad ds foÙkh; fooj.k ,sfrgkfld ykxr vo/kj.kk ds vk/kj ij rS;kj fd;s tkrs gSa tks fd Hkkjr esa lkekU;r% Lohdk;Z ys[kk fl¼kUr gSaA blesa oS/kfud çko/ku] fu;ked@Hkkjrh; fjtoZ cSad fn'kkfunsZ'k] Hkkjrh; lunh ys[kkdkj laLFkku (ICAI) }kjk tkjh ys[kk ekud@lgk;rkFkZ uksV ,oa Hkkjr esa cSafdax m|ksx esa Lohdk;Z O;ogkj 'kkfey gSaA Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kkuqlkj Hkkjrh; lunh ys[kkdkj laLFkk ds ys[kk ekud ,oa Lohdk;Z ys[kk ds lEiw.kZ fooj.k rqyu i=k dh vuqlwph 18 esa miyC/ gSaA

vkpkj lafgrk

lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 ds vUrZxr cSad }kjk funs'kd e.My ds lnL;ksa ,oa ofj"B çcU/u vf/dkfj;ksa gsrq vkn'kZ vkpkj lafgrk dks viuk;k x;k tks fd cSad dh osclkbV ij Hkh miyC/ gSA lacaf/r O;fDr;ksa ls vkpkj lafgrk dh vuqikyuk dh ?kks"k.kk yh xbZ gS ,oa vuqikyuk dk çek.k i=k vuqyXud III esa n'kkZ;k x;k gSA

cSad us vius funs'kdksa ,oa inLFkkfir dkexkjksa ds fy, Hkh cSad dh çfrHkwfr ds vkUrfjd O;kikj dks jksdus ds fy, ,d vkpkj lafgrk cuk;h gSA fnukad 31-03-2016 dks funs'kdksa ds ikl cSad ds va'kksa dh lwph vuqyXud 1 (bZ) esa n'kkZbZ xbZ gSA

vU; çdVu

cSad] vius çeksVjksa] funs'kdksa ,oa çcU/u] muds vuq"kafx;ksa vFkok lacaf/;ksa ds lkFk fdlh Hkh ,sls egRoiw.kZ HkkSfrd ysu&nsu ls vlEc¼ jgk gS tks o`gÙkj Lrj ij cSad ds fgrksa ds çfrdwy gksA

cSad us iw¡th cktkj ls lacaf/r LVkd ,DlpsUtksa] lsch] HkkfjcSa vFkok vU; lkafof/d çkf/dkjh }kjk ykxw ,oa fu/kZfjr fu;eksa vkSj fofu;eksa dk foxr 3 o"kksZa ds nkSjku ikyu fd;k gSA buds }kjk cSad ij fdlh Hkh çdkj dk naM ;k vk{ksi ugha yxk;k x;k gSA

cSad esa fOgly Cyksoj uhfr cukbZ xbZ gS rFkk deZpkfj;ksa }kjk lsok fu;eksa ds fo:¼ fd, x, vuSfrd vH;kl ,oa O;ogkj dh fjiksfVaZx lfgr fOgly Cyksoj ds fgr@igpku dks lqjf{kr j[kus ds çko/kuksa ds lkFk bls cSad dh osc&lkbZV (www.sbbjbank.com) ij çnf'kZr fd;k x;k gSA

cSad us lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 dh lHkh 'krksZ dks iwjk fd;k

gS&c'krsZ fd [k.M dh vis{kk,a Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e] 1959 ds çko/kuksa rFkk mu çko/kuksa ds vUrxZr cuk, x, fu;eksa vkSj fofu;eksa rFkk Hkkjrh; fjtoZ cSad ,ao Hkkjrh; LVsV cSad }kjk tkjh fn'kk&funsZ'kksa vFkok ekxZ funsZ'kksa dk vfrØe.k u dj jgs gksaA

funs'kd e.My dk xBu] ys[kk&ijh{kk lfefr dk xBu vkSj mldk dksje] xSj dk;Zikyd funs'kdksa dks çfriwfrZ] lkafof/d ys[kk&ijh{kdksa dh fu;qfDr] iqufuZ;qfDr vkSj mudh iQhl ds fu/kZj.k ds laca/ esa lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 dh fofu;eu 17]18]19]20]21]22]23]24]25]26]27 vkSj fofu;eu 46 ds [k.M (ch) ls (vkbZ) ds mi[k.M 2 vkSj isjk lh]Mh dh lwph v ds vuqlkj lkafof/d vis{kk,a cSad ij ckè;dkjh ugha gSa D;ksafd Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e] 1959 ds çko/kuksa] ,lchchts lkekU; fofu;e] 2015 vkSj Hkkjrh; fjtoZ cSad }kjk tkjh fn'kk&funsZ'kksa esa buds fy, vyx ls çko/ku gSaA

cSad }kjk lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 dh fofu;eu 27 (1) dh lwph II dh Hkkx ^bZ* esa ykxw lHkh xSj lkafof/d vis{kkvksa dh vuqikyuk dh xbZ gSA fliQZ ?kksf"kr v/Zokf"kZd foÙkh; dk;Z &fu"iknuksa ,oa egRoiw.kZ ?kVukØeksa ds lkjka'k dks va'k/kjdksa dks çsf"kr ugha fd, x, D;ksafd foLr`r tkudkjh cSad dh osc lkbZV ij çnf'kZr dh xbZ gSA

vuqikyu çek.k i=k

laLFkkxr vfHk'kklu dh 'krksaZ dh vuqikyuk dk çek.k i=k] lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 esa of.kZr izek.k i=k] ys[kk ijh{kdksa ls çkIr dj fy;k x;k gS vkSj

55

In terms of RBI guidelines, the Review Committee for Non-Cooperative Borrowers has been constituted to review and confirm the order of Identification Committee for Non-Cooperative Borrowers. The Committee consists of Managing Director (Chairman) and two independent Director as members. The meeting of the Review Committee for Non-Cooperative Borrowers is required to be held at least once in a quarter. Two meetings of the Review Committee for Non-Cooperative Borrowers were held during the year 2015-16.

NAME AND DESIGNATION OF COMPLIANCE OFFICER (SHARES AND BONDS) Smt Aruna Nitin Dak, Chief Manager (Share & Bonds) has been designated as the Compliance Officer in terms of SEBI (LODR)Regulations, 2015.

FAMILIARISATION PROGRAMME TO INDEPENDENT DIRECTORS Details of familiarisation programmes attended by independent directors are placed on Bank’s website at www.sbbjbank.com under Listing Disclosure of Regulatory Disclosure Section.

CHANGES IN ACCOUNTING TREATMENT The financial statements of the Bank are prepared under the historical cost convention. They conform to the Generally Accepted Accounting Principles in India, which comprise the statutory provisions, regulatory/ RBI guidelines, accounting standards/ guidance notes issued by the Institute of Chartered Accountants of India (ICAI) and the practices prevalent in the banking industry in India. Detailed disclosures as per RBI guidelines/accounting standards of ICAI and accounting treatment are given in Schedule 18 of the Balance Sheet.

CODE OF CONDUCT In terms of Regulation 17(5)(a) of the SEBI (Listing Obligation and Disclosure Requirements) Regulations , 2015, the Bank has adopted a Model Code of Conduct for its Board Members and senior management functionaries, which has also been uploaded on the Bank’s website. The declaration for compliance with the Code of Conduct has been taken from the persons concerned and a certificate affirming the compliance is placed at Annexure-III.

The Bank has also framed a code of conduct for its Directors and designated employees for prevention of insider trading in Bank's securities. Number of Bank's shares held by the Directors as on 31.03.2016 is given in Annexure 1(e).

OTHER DISCLOSURES The Bank has not entered into any materially significant related party transactions with its Promoters, Directors, or Management, their subsidiaries or relatives, etc. that may have potential conflict with the interests of the Bank at large.

The Bank has complied with applicable rules and regulations prescribed by stock exchanges, SEBI, RBI or any other statutory authority relating to the capital markets during the last three years. No penalties or strictures have been imposed by them on the Bank.

A Whistle Blower Policy has been put in place and displayed on the Bank’s website (www.sbbjbank.com) for reporting any unethical practices and behavior by employees in violation of their service rules, with a provision for protection on interest/ identity of the whistleblower.

The Bank has complied in all respects with the requirements of SEBI (Listing Obligation

and Disclosure Requirements) Regulations, 2015, to the extent that the requirements of the Regulations do not violate the provisions of State Bank of India (Subsidiaries Banks) Act, 1959, the Rules and Regulations made thereunder, and guidelines or directives issued by Govt. of India, Reserve Bank of India and State Bank of India.

The provisions of corporate governance provisions as specified in regulation 17, 18, 19, 20, 21,22, 23, 24, 25, 26, 27 and clauses (b) to (i) of sub-regulation (2) of regulation 46 and para C , D and E of Schedule V as to the composition of the Board of Directors, composition and quorum of the Audit Committee, Non-executive directors’ compensation, the appointment, re-appointment of the statutory Auditors and fixation of their fees are not binding on the Bank, as separate provisions in the State Bank of India (Subsidiary Banks) Act 1959, SBBJ General Regulations, 2015 and the Reserve Bank of India guidelines deal with the same.

The Bank has complied with all applicable discretionary requirements of Part E of the Schedule II in terms of Regulation 27(1) of SEBI (LODR) Regulations, 2015, except for sending half-yearly declaration of financial performance and summary of significant events to the households of shareholders, since detailed information on the same is posted on the website of the Bank.

CERTIFICATE OF COMPLIANCE A certificate of compliance of conditions of Corporate Governance, as stipulated in Schedule V of the SEBI (LODR) Regulations, 2015 has been obtained from the Auditors and placed at Annexure-IV.

MEANS OF COMMUNICATION

The Bank strongly believes that

56

bls vuqyXud IV ds :i esa çLrqr fd;k x;k gSA

lEçs"k.k ekè;e

cSad dk n`<+ fo'okl gS fd] leLr fgr/kjdksa dks cSad dh xfrfof/;ksa] fu"iknu o mRikn igy dh leLr tkudkjh gksuh pkfg,A o"kZ 2015&16 ds okf"kZd] v¼Zokf"kZd ,oa frekgh ifj.kke ,d vaxzsth foÙkh; nSfud lekpkj&i=k ds lHkh laLdj.kksa esa vkSj ,d@nks {ks=kh; fgUnh lekpkj&i=kksa (jktLFkku ds leLr laLdj.kksa) esa çdkf'kr djok;s x;sA bu ifj.kkeksa dks cSad dh osolkbV www.sbbjbank.com ij Hkh miyC/ djok;k x;kA okf"kZd fjiksVZ cSad ds lHkh va'kèkjdksa dks Hksth tkrh gSA frekgh] v/Zokf"kZd ,oa okf"kZd foÙkh; ifj.kkeksa dh ?kks"k.kk ds ckn mlh fnu foÙkh; fo'ys"kdksa ds lkFk çsl lHkk dh tkrh gSA ftlesa çca/ funs'kd }kjk cSad dh miyfC/;ksa dk çLrqfrdj.k fd;k tkrk gS rFkk çsl ,oa foÙkh; fo'ys'kdksa ds ç'uksa dk mÙkj fn;k tkrk gSA bl ?kks"k.kk dks cSad dh osc&lkbZV ij Hkh çnf'kZr fd;k tkrk gSA

gfjr igy

dkjiksjsV ekeykr ea=kky;] Hkkjr ljdkj ds igy ds vuqlkj dkjiksjsV vfHk'kklu esa gfjr igy ds rgr bysDVªksfud ekè;e ls dkxt jfgr vuqikyuk LohÑr dh

xbZ gSA mijksDr ljdkjh igy ds vUrxZr cSad uksfVl@çi=k] okf"kZd çfrosnu ftlesa rqyu i=k] ykHk&gkfu [kkrk] funs'kdksa dh fjiksVZ] ys[kk ijh{kdksa dh fjiksVZ bR;kfn bysDVªksfud ekè;e ls va'k/kjdksa ,oa tekdrkZvksa }kjk cSad dks miyC/ djok;s x;s bZ&esy irs ij miyC/ djok;s tk;saxsA

cSad dh oSclkbV www.sbbjbank.com ij Hkh çys[k dk iwjk ewy ikB miyC/ jgsxkA cSad ds jftLVMZ dk;kZy; ij uksfVl@çys[kksa dh okLrfod çfr;ka e; okf"kZd çfrosnu dk;kZy; le; esa fujh{k.k gsrq miyC/ jgsaxhA

bZ&esy irs dk iathdj.k

HkkSfrd #i esa /kfjr va'kksa ds va'k /kjd viuk bZ&esy irk cmshare@sbbj.co.in in ij viuk uke vkSj iQksfy;ks uEcj ds lkFk iathÑr dj ldrs gSaA

bysDVªksfud #i esa /kfjr va'kksa ds va'k /kjdksa ls fuosnu gS fd os vius fu{ksikxkj lgHkkxh (Mhih) ds ;gk¡ viuk bZ&esy irk ntZ djok;saA

vnkokÑr 'ks;lZ

lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 ds lkFk lsch ds ifji=k Øekad&lhvkbZvkj @lh,iQMh @ MhvkbZ,y @ 10@2010] fnukad

16-12-2010 ds vuqlkj vnkokÑr 'ks;jksa dks ¶vnkokÑr mpar [kkrk&,lchchts¸ esa varfjr dj fn;k x;k gSA mijksDr lsch ds ifji=k e; lsch (fyfLVax nkf;Roksa ,oa izdVhdj.k vko';drkvksa) fofu;e] 2015 ds fofue;u 39 vkSj isjk ^,iQ* dh lwph V ds vuqlkj 31-03-2016 dks vnkokÑr 'ks;jksa dh fLFkfr fuEukuqlkj gS%&

Ø-la- fooj.kva'k/kjdksa dh la[;k

va'kksa dh la[;k

1-

o"kZ ds nkSjku vnkokdr mpar [kkrs* esa varfjr fd, x, cdk;k 'ks;jksa ,oa 'ks;j /kjdksa dh la[;k

133 6568

2-

'ks;j/kjdksa dh la[;k ftUgksaus o"kZ ds nkSjku vnkokÑr mpar [kkrs esa ls 'ks;j varj.k gsrq cSad esa vk,

6 333

3-

'ks;j/kjdksa dh la[;k ftudks vnkokÑr mpar [kkrs esa ls 'ks;j varfjr fd;k x;k

6 333

4-

o"kZ ds var esa vnkokÑr mpar [kkrs esa cdk;k 'ks;jksa dh la[;k o 'ks;j/kjdksa dh la[;k

127 6235

mijksDr 'ks;lZ tc rd mpar [kkrs esa gS rFkk okLrfod Lokeh }kjk nkok ugha fd;s tkrs gS] rc rd mu 'ks;jksa ij erkf/dkj fu"ks/ jgsxkA

lkekU; va'k/kkfj;ksa ds fy, lwpuk

(,) va'k/kfj;ksa dh okf"kZd lkekU; lHkk LFky fnukad ,oa le;

egkjk.kk izrki vkWfMVksfj;e] Hkkjrh; fo|k Hkou] ds-,e- eqa'kh ekxZ] vks-Vh-,l- ds lkeus] t;iqjeaxyokj 07 twu 2016] izkr% 11-30 cts

(ch) foÙkh; dSys.Mj 01-04-2015 ls 31-03-2016

(lh) [kkrkcUnh@fjdkMZ dh frfFk ykHkka'k gsrq [kkrkcUnh 07-05-2016 ls 11-05-2016 (nksuksa fnu feykdj)

(Mh) ykHkka'k Hkqxrku frfFk 19-05-2016

(bZ) va'k cktkj esa lwphdj.k ch-,l-bZ- o ,u-,l-bZ-] eqEcbZA cSad }kjk LVkWd ,Dlpsatksa dh leLr fyfLVax 'kqYd le; ij Hkqxrku fd;k x;k gSA

(,iQ) LVkWd dksM 501061 (eqEcbZ LVkWd ,Dlpsat)] ,oa ,lchchts (,u-,l-bZ-)

(th) eSllZ dkohZ daI;wVj'ks;j izkbZosV fyfeVsM dkohZ lsysfu;e] Vkoj&ch] IykV la&31 ,oa 32] losZ la& 116@22] 115@24] 115@25] iQkbZusafl;y fMfLVªDV] ukudjkexqM~Mk] lsfjfyaxEeifYy eaMy jaxk jsM~Mh] ftyk gSnjkckn&500008] VsfyiQksu&040&67162222] Vksy Úh& 18003454001] bZ&esy& einward.ris@karvy.com

57

all stakeholders should have access to complete information on its activities, performance and product initiatives. Annual, half-yearly and quarterly results of the Bank for the year 2015-16 were published in one English financial daily (all editions) and one/two Regional Hindi newspapers (all Rajasthan editions). The results were also displayed on the Bank’s website www.sbbjbank.com.

The Annual Report is sent to all shareholders of the Bank. After the announcement of quarterly, half-yearly and annual results a Press cum Analyst meet is held on the same day, in which the Managing Director makes a presentation on Bank’s performance and answers the queries of the media and investment analysts. The presentation is thereafter displayed on the website of the Bank.

GREEN INITIATIVE The Ministry of Corporate Affairs (M C A), Government of India, has advocated "Green Initiative in Corporate Governance" by allowing paperless compliances through electronic mode for service of documents. In line with the Government initiative as above, the Bank will send notices/documents including Annual Report comprising of balance sheet, profit and loss account, director's report, auditor's report etc. in electronic form to the email address provided by the

shareholders and made available to the Bank by the Depositories.

Full text of the documents will also be made available on the Bank's website www.sbbjbank.com. As before, physical copies of the notices/documents including Annual Reports, will be available for inspection during office hours at the Registered Office of the Bank.

sheet, profit and loss account, director's report, auditor's report etc. in electronic form to the email address provided by the shareholders and made available to the Bank by the Depositories.

Full text of the documents will also be made available on the Bank's website www.sbbjbank.com. As before, physical copies of the notices/documents including Annual Reports, will be available for inspection during office hours at the Registered Office of the Bank.

Registration of email address: For shares held in physical form, shareholders can register their email address at ‘cmshare@sbbj.co.in' mentioning their name and folio number or write to the Bank. For shares held in electronic form, Shareholders are requested to register their email address with their Depository Participant (DP).

UNCLAIMED SHARES

As per SEBI’s circular CIR/CFD/

DIL/10/2010 dated December 16, 2010 read with clause 5A of the listing Agreement, the Bank has transferred the unclaimed shares in unclaimed suspense Account, i.e. “Unclaimed Suspense Account-SBBJ”. In terms of the said SEBI’s circular read with Regulation 39 and provisions Para F of Schedule V of SEBI (LODR) Regulations, 2015, the details with respect to the unclaimed shares of the company for the year ended 31st March, 2016 is as under:

S.No.

Particulars No. of Shareholders

No. of shares

1 Aggregate number of shareholders and the outstanding shares transferred to the Unclaimed Suspense Account during the year.

133 6568

2 No. of shareholders who approached for transfer of shares from the Unclaimed Suspense Account during the year

6 333

3 Number of shareholders to whom shares were transferred from the Unclaimed Suspense Account during the year

6 333

4 Aggregate number of shareholders and the outstanding shares lying in the Unclaimed Suspense Account at the end of the year.

127 6235

As long as the above shares are in Suspense Account, the voting rights on these shares shall remain frozen till the rightful owner of such shares claims the shares.INFORMATION FOR GENERAL SHAREHOLDERS

a) Annual General MeetingPlace Venue Date & Time

Maharana Pratap Auditorium, Bhartiya Vidya Bhawan, K.M. Munshi Marg, Opp. O.T.S., Jaipur Tuesday, 7th June, 2016 at 11.30 a.m.

b) Financial Year 01.04.2015 to 31.03.2016

c) Date of Book Closure/ Record Date Book Closure for Dividend : 07.05.2016 to 11.05.2016 (both the days inclusive)

d) Dividend Payment Date 19.05.2016

e) Listing on Stock Exchanges BSE & NSE, Mumbai. The Bank has made payment of all the Listing Fee in timely manner to the Stock Exchanges

f) Stock Code 501061 (BSE), SBBJ (NSE)

58

(,p) va'k vUrj.k iz.kkyh va'k vUrj.k vfHkdÙkkZ ds ekè;e ls va'kksa dk vUrj.k@ukekUrj.k cSad dh ¶vUrjx`gh va'k vUrj.k lfefr¸ ds vuqeksnu }kjkA

(vkbZ) va'kksa dk vHkkSfrdhdj.k o rjyrk cSad ds va'kksa dk vHkkSfrdhdj.k gks pqdk gSA ,u,lMh,y@lhMh,l,y }kjk iznÙk vkbZ,lvkbZ,u la[;k vkbZ,ubZ 648-01026 gSA fnukad 31-03-2016 rd 95-72% cSad va'kksa dk vHkkSfrdhdj.k gks pqdk gSA

(ts) cdk;k thMhvkj@,Mhvkj@okjUV ;k dksbZ ifjorZuh; foys[kksa ds ifjorZu dh frfFk vkSj iwath ij lEHkkO; izHkko

'kwU;

(ds) vnkokÑr ykHkka'k ftu 'ks;j /kjdksa us foxr o"kksZa ds ykHkka'k okj.V ugha Hkquk;s gSa vFkok ykHkka'k izkIr ugha fd;k gS muls fuosnu gS fd os 'ks;lZ ,oa ckWM~l foHkkx] iz/ku dk;kZy;] t;iqj ls MqIyhdsV ykHkka'k okj.V tkjh fd;s tkus gsrq lEidZ djsaA

'ks;j/kjd Ñi;k uksV dj ysa fd Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e 1959 esa la'kks/u ds iQyLo:i Hkkjrh; LVsV cSad (leuq"kaxh cSad fof/) la'kks/u vf/fu;e] 2007 (9 tqykbZ 2007 ls çHkkoh) ds eís utj ;g vfuok;Z gS fd mDr vf/fu;e ykxw gksus ds iQyLo:i Hkqxrku nkok gsrq 'ks"k ykHkka'k dh jkf'k rFkk mDr vf/fu;e ykxw gksus ds ckn ?kksf"kr ykHkka'k vçnÙk ykHkka'k [kkrs esa varfjr djsaA vçnÙk ykHkka'k [kkrs esa varfjr jkf'k vkSj varj.k dh rkjh[k ls lkr o"kZ dh vof/] vnkokÑr@vçnÙk jkf'k dks daiuh vf/fu;e] 2013 dh /kjk 125 ds varxZr LFkkfir fuos'kd f'k{kk vkSj laj{k.k fuf/(IEPF) esa varfjr fd;k tkuk visf{kr gSA bl jkf'k dk mi;ksx /kjk 125 ds varxZr mYysf[kr mís';ksa ls ;Fkkfof/ fd;k tk,xk vkSj mlds i'pkr bl laca/ esa Hkqxrku gsrq dksbZ nkok cSad dks ;k fuf/ dks çLrqr ugha fd;k tk,xkA vnkokÑr ykHkka'k dks fuos'kd f'k{kk ,oa laj{k.k fuf/(IEPF) esa vUrfjr djus ds rjhds gsrq Hkkjr ljdkj ds foÙkh; lsok foHkkx dks fy[kk x;k gS ftldk tokc izrhf{kr gSA

cktkj ewY; vk¡dM+s

ekg ,lchchts dk va'k ewY; (ch,lbZ) ch,lbZ lwpdkad ch,lbZ cSadsDl

vf/re U;wure vf/re U;wure vf/re U;wure

vizSy 2015 616.00 550.00 29094.61 26897.54 21926.18 20361.25

ebZ 2015 603.30 555.00 28071.16 26423.99 21589.35 19797.98

twu 2015 568.80 513.00 27968.75 26307.07 21647.65 19711.27

tqykbZ 2015 553.30 513.00 28578.33 27416.39 22068.70 20850.50

vxLr 2015 589.65 475.00 28417.59 25298.42 21972.82 19090.53

flrEcj 2015 521.00 468.00 26471.82 24833.54 20256.05 18009.10

vDVwcj 2015 577.00 444.00 27618.14 26168.71 20592.32 19561.94

uoEcj 2015 557.95 510.45 26824.30 25451.42 20008.88 18923.84

59

g) Share Transfer Agent M/s Karvy Computershare Pvt. Ltd.Karvy Selenium, Tower-B Plot No. 31 & 32, Survey No. 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally Mandal Ranga Reddy Dist. Hyderabad 500 008 Tel no. : 040-6716 2222; Toll Free18003454001Email: einward.ris@karvy.com

h) Share Transfer System Through Share Transfer Agent. Transfer/Transmission of shares approved by the Bank’s “In-house Share Transfer Committee”.

i) Dematerialisation of Shares And liquidity

The Shares of the Bank have been dematerialized. The ISIN No. allotted by NSDL/CDSL is INE 648A01026. As on 31.03.2016, 95.72% shares of the bank have been dematerialized.

j) Details of outstanding GDRs/ ADRs/ warrants or any convertible instruments, conversion date and likely impact on equity.

NIL

k) Unclaimed Dividend The shareholders who have not encased their dividend warrants or have not received dividend of previous years, are requested to contact Shares & Bonds Department at Head Office, Jaipur for issue of duplicate dividend warrants.

Shareholders are requested to carefully note that pursuant to amendment in State Bank of India (Subsidiary Banks) Act, 1959 vide State Bank of India (Subsidiary Banks Laws) Amendment Act, 2007 (w.e.f. 09.07.2007), it is required to transfer amount remaining unpaid/unclaimed in dividend accounts of earlier years on the commencement of the aforesaid Act, and also dividend declared after the commencement of the said Act, to “Unpaid Dividend Account”. The amount transferred to the said “Unpaid Dividend Accounts” and remaining unclaimed/unpaid for a period of seven years from the date of transfer, is required to be transferred to the Investors Education and Protection Fund (IEPF) established under Section 125 of the Companies Act, 2013, which shall be used for the purpose and in the manner specified in the Section and thereafter no claim for payment shall lie in respect thereof to the Bank or the Fund. The manner of transferring Unclaimed dividend to the Investors Education and Protection Fund (IEPF) has been sought from Dept. of Financial Services, Govt. of India, the response thereof is still awaited.

MARKET PRICE DATA

MONTHS SBBJ’s Share Price BSE BSE SENSEX BANKEX

HIGH LOW HIGH LOW HIGH LOW

April 2015 616.00 550.00 29094.61 26897.54 21926.18 20361.25

May 2015 603.30 555.00 28071.16 26423.99 21589.35 19797.98

June 2015 568.80 513.00 27968.75 26307.07 21647.65 19711.27

July 2015 553.30 513.00 28578.33 27416.39 22068.70 20850.50

August 2015 589.65 475.00 28417.59 25298.42 21972.82 19090.53

September 2015 521.00 468.00 26471.82 24833.54 20256.05 18009.10

October 2015 577.00 444.00 27618.14 26168.71 20592.32 19561.94

November 2015 557.95 510.45 26824.30 25451.42 20008.88 18923.84

60

fnlEcj 2015 560.85 510.00 26256.42 24867.73 20003.96 18473.93

tuojh 2016 537.50 465.00 26197.27 23839.76 19497.90 16713.33

iQjojh 2016 540.00 444.50 25002.32 22494.61 17674.87 15224.26

ekpZ 2016 523.00 465.20 25479.62 23133.18 18546.65 15921.52

i=k O;ogkj ds fy, irk %eq[; çcU/d ('ks;lZ ,.M ckW.M~l)LVsV cSad vkWiQ chdkusj ,.M t;iqjç/ku dk;kZy;] fryd ekxZ] lh&Ldhet;iqj&302 005 (jktLFkku)iQksu% 0141&5101539] 2227452 iQSDl% 0141&5101176] 2227452bZ& esy% cmshare@sbbj.co.in

eSllZ dkohZ daI;wVj'ks;j çkbZosV fyfeVsMdkohZ lsysfu;e] Vkoj&ch] IykV la &31 ,oa 32 losZ la&116@22] 115@24] 115@25] iQkbZusafl;y fMfLVªDV] ukudjkexq<k lsfjfyaxeiYyh eaMy jaxk jsM~Mh] ftyk gSnjkckn& 500008 VsfyiQksu&040&67162222] Vksy Úh&18003454001bZ&esy& einward.ris@karvy.com

va'k/kfj;ksa dh fLFkfr (31 ekpZ] 2016 dks)

Js.kh dwV

va'k/kjdksa dk oxZ

/kfjr va'kksa dh dqy la[;k

dqy va'kksa ls /kfjr va'kksa dk izfr'kr

I II III IV(v) izorZd ,oa izorZd lewg

Hkkjrh; LVsV cSad 52549924 75.07

(c) xSj izorZd(,) E;qpqvy iQaM@

Hkkjrh; ;wfuV VªLV5232851 7.48

(ch) foÙkh; laLFkku @ cSad

34571 0.05

(lh) chek daifu;ka 1650704 2.36(Mh) fons'kh laLFkkxr

fuos'kd760909 1.09

(bZ) dkWjiksjsV fudk; 1339847 1.91(,iQ) vkjchvkbZ

eas iathÑr ,uch,iQlh

3515 0.01

(th) oS;fÙkQd 8253085 11.79(,p) vfuoklh Hkkjrh; 168336 0.24(vkbZ) vU; 6258 0.01

dqy v$c 70000000 100.00

31-03-2016 ds vuqlkj va'k/kfjrk dh laforj.k vuqlwph

Ø-la-

va'k/kfjrk dh lhek iQksfy;ks

dh la-va'k/kfjrk dk izfr'kr

va'k/kfjrk dh la[;k

va'kksa dk izfr'kr

ls & rd

1 1 - 500 56653 96.28 4854417 6.93

2 501 - 1000 1085 1.84 802356 1.15

3 1001 - 2000 547 0.93 822441 1.17

4 2001 - 3000 221 0.38 576975 0.82

5 3001 - 4000 90 0.15 310211 0.44

6 4001 - 5000 48 0.08 220349 0.31

7 5001 - 10000 97 0.16 702888 1.00

810001 vkSj vf/d

98 0.17 61710363 88.16

;ksx 58839 100.00 70000000 100.00

61

SHAREHOLDING PATTERN AS ON 31.03.2016

CATE-GORYCODE

CATEGORY OF SHAREHOLDER

TOTAL NUMBER OF

SHARES

TOTAL SHAREHOLDING AS % OF TOTAL NO OF SHARES

(I) (II) (III) (IV)

(A) PROMOTER AND PROMOTER GROUP

STATE BANK OF INDIA 52549924 75.07

(B) NON PROMOTERS (a) Mutual Funds /UTI 5232851 7.48

(b) Financial Institutions /Banks 34571 0.05

(c) Insurance Companies 1650704 2.36

(d) Foreign Portfolio Investors 760909 1.09

(e) Bodies Corporate 1339847 1.91

(f) NBFC Registered with RBI 3515 0.01

(g) Individuals 8253085 11.79

(h) Non Resident Indians 168336 0.24

(i) OTHERS 6258 0.01

Total (A+B) : 70000000 100.00

Karvy Computershare Pvt. Ltd.

Karvy Selenium, Tower-B Plot No. 31 & 32, Survey No. 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally Mandal Ranga Reddy Dist. Hyderabad-500 008 Tel no. : 040-6716 2222; Toll Free18003454001

Email: einward.ris@karvy.comANNEXURE- I(a)

December 2015 560.85 510.00 26256.42 24867.73 20003.96 18473.93

January 2016 537.50 465.00 26197.27 23839.76 19497.90 16713.33

February 2016 540.00 444.50 25002.32 22494.61 17674.87 15224.26

March 2016 523.00 465.20 25479.62 23133.18 18546.65 15921.52

DISTRIBUTION SCHEDULE OF SHAREHOLDING AS ON 31.03.2016

Sr. No.

RANGE OF SHARE HOLDING

No. of Folio

Percentage of Shareholders No. of Shares Percentage

of SharesFROM TO

TO

1 upto 1 - 500 56653 96.28 4854417 6.93

2 501 - 1000 1085 1.84 802356 1.15

3 1001 - 2000 547 0.93 822441 1.17

4 2001 - 3000 221 0.38 576975 0.82

5 3001 - 4000 90 0.15 310211 0.44

6 4001 - 5000 48 0.08 220349 0.31

7 5001 - 10000 97 0.16 702888 1.00

8 10001 & above 98 0.17 61710363 88.16

Total: 58839 100.00 70000000 100.00

Address for correspondence:Chief Manager (Shares & Bonds)State Bank of Bikaner and JaipurHead Office, Tilak Marg, “C” Scheme, JAIPUR - 302 005Phone : 0141- 5101539, 2227452 Fax : 0141-5101176, 2227452E-mail : cmshare@sbbj.co.in

62

vuqyXud & I (,)o"kZ 2015&16 esa vk;ksftr funs'kd e.My dh cSBdksa esa funs'kdksa dh mifLFkfr dk fooj.k

Ø- l- funs'kd dk uke

muds dk;Zdky ds nkSjku gqbZ

cSBdsa

cSBds ftuesa mifLFkr gq,

D;k okf"kZd lk/kj.k lHkk esa mifLFkr Fks

vU; funs'kd e.My@e.My lfefr;ksa dh la[;k ftuesa ;s fusn'kd@lnL;@vè;{k gSa

1 Jherh v:U/fr HkV~Vkpk;Z 9 2 m-vè;{k@funs'kd&19lfefr lnL;@lfefr vè;{k&18

2 Jh oh-th- dUuu(21-10-2014 ls)

9 6 m-vè;{k@funs'kd&7lfefr lnL;@lfefr vè;{k&

3 Jh T;ksfr ?kks"k(16-10-2014 ls)

9 9 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

4 Jherh ekyfodk flUgk 9 8 v-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

5 Jh ch- jes'k ckcw(24-08-2015 rd)

4 2 v-vè;{k@funs'kd&7lfefr lnL;@lfefr vè;{k&25

6 Jh jes'k panz JhokLro(27-08-2015 rd)

4 4 m-vè;{k@funs'kd&5lfefr lnL;@lfefr vè;{k&23

7 Jh uhjt O;kl(24-08-2015 ls)

5 1 yk-vè;{k@funs'kd&7lfefr lnL;@lfefr vè;{k&

8 Jh jfo uUnu lgk;(28-08-2015 ls)

5 4 yk-vè;{k@funs'kd&6lfefr lnL;@lfefr vè;{k&

9 Jh oh-ds- eksaxk(30-09-2015 ls)

4 1 yk-vè;{k@funs'kd&5lfefr lnL;@lfefr vè;{k&

10 Jh jru dqekj :axVk(12-08-2013 ls)

9 9 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

11 Jh xqykc flag(15-10-2013 ls)

9 6 m-vè;{k@funs'kd&1lfefr lnL;@lfefr vè;{k&'kwU;

12 Jh lquhy nÙk ckyh 6 6 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

13 Jh Hkkjr jru 9 9 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

14 Jh fgedj jkepanz JhokLro 9 9 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

15 Jh v:.k dwyoky(12-01-2014 ls)

9 9 m-vè;{k@funs'kd&'kwU;lfefr lnL;@lfefr vè;{k&'kwU;

m-&mifLFkr v-&vuqifLFkr yk-&ykxw ugha

63

ANEXURE – I (a)

Details of Attendance of Directors at the Meetings of Board of Directors during 2015-16

Sr. No. Name of DirectorMeetings held during his / her

tenure

Meetings Attended

Whether attended AGM

No. of other BODs / Board Committees he/ she is a member Director/ Chairperson

1 Smt Arundhati Bhattacharya 9 2 P Chairman/Director- 19

Committee member/ Committee Chairman-18

2 Shri V.G. Kannan

(w.e.f. 21.10.2014) 9 6 P Chairman/Director-7 Committee member/

Committee Chairman-

3 Shri Jyoti Ghosh(w.e.f. 16.10.2014) 9 9 P

Chairman/Director- Nil Committee member/ Committee

Chairman-Nil

4Smt Malvika Sinha 9 8 N

Chairman/Director- NilCommittee member/ Committee

Chairman-Nil

5Shri B. Ramesh Babu

(Upto 24.08.2015)4 2 N

Chairman/Director-7Committee member/ Committee

Chairman-25

6Shri Ramesh Chandra Srivastava

(Upto 27.08.2015)4 4 P

Chairman/Director-5 Committee member/ Committee

Chairman-23

7Shri Neeraj Vyas

(w.e.f. 24.08.2015)5 1 N.A. Chairman/Director-7 Committee member/

Committee Chairman-

8Shri Ravi Nandan Sahay

(w.e.f. 28.08.2015)5 4 N.A. Chairman/Director-6 Committee member/

Committee Chairman-

9Shri V.K. Monga

(w.e.f. 30.09.2015)4 1 N.A. Chairman/Director-5 Committee member/

Committee Chairman-

10Shri Ratan Kumar Roongta

(from 12/8/2013)9 9 P

Chairman/Director- Nil Committee member/ Committee

Chairman-Nil

11Shri Gulab Singh

(from 15.10.2013)9 6 P Chairman/Director- 1 Committee member/

Committee Chairman Nil

12 Shri Sunil Dutt Bali 6 6 PChairman/Director- Nil

Committee member/ Committee Chairman Nil

13 Shri Bharat Rattan 9 9 PChairman/Director- Nil

Committee member/ Committee Chairman Nil

14 Shri Himkar Ramchandra Srivastava 9 9 PChairman/Director-Nil

Committee member/ Committee Chairman-Nil

15Shri Arun Koolwal

(w.e.f. 12.1.2014)9 9 P

Chairman/Director-NilCommittee member/ Committee

Chairman-Nil

P -Attended N - Not attended N.A. - Not applicable

64

vuqyXud & I (ch)31-03-2016 dks funs'kd e.My dh lwph

Ø-

l-

funs'kd dk uke ina ls fu;qDr irk lfefr;ksa dh la[;k ftuesa os lnL;@vè;{k gSa

1 Jherh v:U/fr

HkV~Vkpk;Z

vè;{k 07-10-2013 vè;{k] Hkkjrh; LVsV cSad dkjiksjsV lsUVj] esMe dkek jksM+] eqEcbZ&400 021

vè;{k & 'kwU;

lfefr ds lnL; & 'kwU;

2 Jh oh- th- dUuu ,lchvkbZ }kjk

euksuhr funs'kd

21-10-2014 izca/ funs'kd ,oa lewg dk;Zikyd (, ,.M ,l xzqi) Hkkjrh; LVsV cSad] dkWiksZjsV dsanz eqacbZ

vè;{k & 1

lfefr ds lnL; & 'kwU;

3 Jh T;ksfr ?kks"k izcU/ funs'kd 16-10-2014 izcU/ funs'kd LVsV cSad vkWiQ chdkusj ,.M t;iqj] iz/ku dk;kZy;] fryd ekxZ] t;iqj&302005

vè;{k & 7

lfefr ds lnL; & 3

4 Jherh ekyfodk flUgk Hkkjrh; fjt+Zo cSad

}kjk euksuhr funs'kd

22-08-2012 iz- eq[; egkizca/d lgdkjh cSad i;Zos{k.k foHkkx] Hkkjrh; fjtoZ cSad

dsUnzh; dk;kZy;] lh&9] izFke ry] ckanzk dqykZ dkWEiySDl] ckanzk (iwoZ)eqacbZ&400051

vè;{k & 'kwU;

lfefr ds lnL; & 3

5 Jh uhjt O;kl Hkkjrh; LVsV cSad }kjk euksuhr funs'kd

24-08-2015 eq[; egkizcU/d] (, ,oa ,l lewg)] lg;ksxh cSad foHkkx] Hkkjrh; LVsV cSad] dkjiksjsV lsUVj eqEcbZ&400021

vè;{k & 'kwU;

lfefr ds lnL; & 5

6 Jh jfo uUnu lgk; Hkkjrh; LVsV cSad }kjk euksuhr funs'kd

28-08-2015 eq[; egkizcU/d] (, ,oa ,l lewg)] lg;ksxh cSad foHkkx] Hkkjrh; LVsV cSad] dkjiksjsV lsUVj eqEcbZ&400021

vè;{k & 'kwU;

lfefr ds lnL; & 5

7 Jh oh-ds- eksaxk Hkkjrh; LVsV cSad }kjk euksuhr funs'kd

30-09-2015 eq[; egkizcU/d] (, ,oa ,l lewg)] lg;ksxh cSad foHkkx] Hkkjrh; LVsV cSad] dkjiksjsV lsUVj eqEcbZ&400021

vè;{k & 'kwU;

lfefr ds lnL; & 5

8 Jh Hkkjr jru funs'kd 01-03-2015 ch- jru ,.M ,lksfl,V~l nqdku la- 408 409] egd Vkoj dSyk'k] flusek jksM] flfoy ykbZUl yqf/;kuk& 141001

vè;{k & 1

lfefr ds lnL; & 4

9 Jh fgedj jkepanz JhokLro

'ks;j/kfj;ksa }kjk p;fur funs'kd

21-02-2015 ,e-,ech&1@207 lsDVj&ch] ,lchvkbZ dkWyksuh] lhrkiqjk jksM ;kstuk] tkudhiwje] y[kuÅ& 226021

vè;{k & 1

lfefr ds lnL; & 8

10 Jh jru dqekj :axVk 'ks;j/kfj;ksa }kjk p;fur funs'kd

12-08-2013 61@45] izrki uxj] lkaxkusj] Vksad jksM] t;iqj & 302030

vè;{k & 2

lfefr ds lnL; & 7

11 Jh xqykc flag dsUæ ljdkj }kjk euksuhr funs'kd

15-10-2013 mi lfpo] Hkkjr ljdkj] vkbZ,iQ&I foÙk ea=kky;] foÙkh; lsok,a foHkkx] r`rh; ry] thou nhi fcfYMax] laln ekxZ] ubZ fnYyh&110001

vè;{k & 1

lfefr ds lnL; & 5

12 Jh v:.k dwyoky dkexkj deZpkjh funs'kd

12-01-2014 ,dy f[kM+dh ifjpkyd] LVsV cSad vkWiQ chdkusj ,.M t;iqj] va-dk-] t;iqj&302005

vè;{k & 'kwU;

lfefr ds lnL; & 1

Jh uhjt O;kl] jfo uUnu lgk; vkSj oh-ds- eksaxk dks e.My dh ys[kk ijh{kk lfefr esa izfrfuf/ ds :i esa euksuhr fd;k x;k gSA

65

ANNEXURE – I (b)

LIST OF BOARD OF DIRECTORS AS ON 31.03.2016

Name of Director Designation Appointed

sinceAddress No. of Committees

of which he/ she is a Member/Chairperson

1. Smt Arundhati Bhattacharya

Chairman 07.10.2013 ChairmanState Bank of India, Corporate CentreMadame Cama Road, Mumbai-400021

Chairman- Nil Committee Member-Nil

2. Shri V.G. Kannan SBI Nominee Director

21.10.2014 Managing Director & GE (A & S Group)State Bank of India, Corporate Centre, Mumbai

Chairman-1Committee Member-Nil

3. Shri Jyoti Ghosh Managing Director

16.10.2014 Managing Director State Bank of Bikaner and JaipurHead Office, Tilak MargJaipur - 302 005

Chairman- 7 Committee Member-3

4. Smt Malvika Sinha RBI Nominee Director

22.08.2012 Pr. Chief General ManagerDepartment of Cooperative Bank Supervision,Reserve Bank of India,Central Office, C-9, 1st FloorBandra Kurla Complex, Bandra (East) Mumbai-400 051.

Chairman- Nil Committee Member-3

5. Shri Neeraj Vyas SBI Nominee Director

24.08.2015 Chief General Manager (A & S Group)State Bank of India, Corporate Centre, Mumbai

Chairman- Nil Committee Member-5

6. Shri Ravi Nandan Sahay

SBI Nominee Director

28.08.2015 Chief General Manager (A&S)Associate Banks DepartmentState Bank of IndiaCorporate Centre, Mumbai-400021

Chairman-Nil Committee Member-5

7. Shri V. K. Monga SBI Nominee Director

30.09.2015 General Manager (A&S)Associate Banks DepartmentState Bank of IndiaCorporate Centre, Mumbai-400021

Chairman-Nil Committee Member-5

8. Shri Bharat Rattan, Director 01.03.2015 B. Rattan & Associates,Shop No. 408-409, Mahak Tower, Kailash Cinema Road, Civil Lines Ludhiana-141001

Chairman- 1 Committee Member-4

9. Shri Himkar Ramchandra Srivastava

Shareholder's elected director

21.02.2015 MMB-1/207, Sector-B,SBI Colony,Sitapur Road Yozna, Jankipuram, Lucknow-226021

Chairman-1 Committee Member-8

10. Shri Ratan Kumar Roongta

Shareholder's elected director

12.08.2013 61/45, Pratap NagarSanganer, Tonk Road,JAIPUR-302 030

Chairman- 2 Committee Member-7

11. Shri Gulab Singh Central Government Nominee Director

15.10.2013 Dy Secretary, Govt. of India, IF-1, Ministry of Finance, Deptt. of Financial Services (Banking Division), 3rd Floor, Jeevan Deep Bldg., Parliament Street, New Delhi.-110001

Chairman- 1 Committee Member-5

12. Shri Arun Koolwal Workmen Employee Director

12.01.2014 S. W. O. State Bank of Bikaner & Jaipur, Z. O., Jaipur-302 005

Chairman- Nil Committee Member-1

Shri Neeraj Vyas, Shri R.N. Sahay and Shri V.K. Monga are nominated on the Audit Committee of the Board in their respective capacities.

66

vuqyXud&I (lh)

o"kZ 2015&16 esa vk;ksftr dk;Zdkfj.kh lfefr dh cSBdksa esa mifLFkfrØ- l-

funs'kd dk uke muds dk;Zdky ds nkSjku gqbZ cSBdsa

cSBdsa ftuesa mifLFkr gq,

1- izcU/ funs'kdJh T;ksfr ?kks"k

13 13

2- Hkkjrh; LVsV cSad }kjk ukferJh ch- jes'k ckcwJh ch- ef.koklxe**Jh jktho dqekj lDlsuk***Jh jfo uUnu lgk;Jh oh-ds- eksaxk ***

1312343

3- Jh jru dqekj :axVk 13 9*4- Jh fgedj jkepanz JhokLro 13 13

5- Jh v:.k dwyoky 13 4*6- Jh Hkkjr jru 13 1*7- Jh lquhy nÙk ckyh 7 7*

*lfefr ds xSj lnL; ds :i esa cSBd esa mifLFkr**Jh vkj-lh- JhokLro dk izfrfuf/Ro***Jh vkj-,u- lgk; dk izfrfuf/Ro

vuqyXud&I (Mh)

o"kZ 2015&16 esa vk;ksftr vads{k.k lfefr dh cSBdksa esa mifLFkfrØ- l-

funs'kd dk uke muds dk;Zdky ds nkSjku gqbZ cSBdsa

cSBdsa ftuesa mifLFkfr

1- Jh Hkkjr jru(xSj dk;Zikyd funs'kd] vè;{k)

6 6

2- Hkkjrh; fjtZ+o cSad }kjk ukferJhefr ekyfodk flUgk 6 5

3- Hkkjrh; LVsV cSad }kjk ukferJh jfo uUnu lgk;Jh oh-ds- eksaxkJh vkj-lh- JhokLroJh ch- ef.koklxeJh jktho dqekj lDlsuk

621111

4- Jh fgedj jkepanz JhokLro(xSj dk;Zikyd funs'kd] lnL;)

6 6

67

ANNEXURE - I(c)

ATTENDANCE OF EC MEETINGS DURING 2015-16

S.No. NAME OF DIRECTOR MEETINGS HELD DURING HIS/HER TENURE

MEETINGS ATTENDED

1. Managing DirectorShri Jyoti Ghosh 13 13

2. SBI NomineeSBI NomineeShri B. Ramesh BabuShri B Manivasagam**Shri Rajiv Kumar Saxena***Shri Ravi Nandan SahayShri V.K. Monga***

13

12343

3. Shri Ratan Kumar Roongta 13 9*4. Shri Himkar Ramchandra Srivastava 13 13

5. Shri Arun Koolwal 13 4*

6. Shri Bharat Rattan 13 1*

7. Shri Sunil Dutt Bali 7 7**Meeting attended as non member of the Committee.

** Representing Shri R.C. Srivastava

*** Representing Shri R.N. Sahay

ANNEXURE - I(d)ATTENDANCE OF ACB MEETINGS DURING 2015-16

S.NO NAME OF DIRECTOR MEETINGS HELD DURING HIS/HER TENURE

MEETINGS ATTENDED

1. Shri Bharat RattanNon Executive Director, Chairman

6 6

2. RBI NomineeSmt. Malvika Sinha

6 5

3. SBI NomineeShri Ravi Nandan SahayShri V.K. MongaShri R.C. SrivastavaShri B ManivasagamShri Rajiv Kumar Saxena

621111

4. Shri Himkar Ramchandra SrivastavaNon Executive Director

6 6

68

vuqyXud&I (bZ)

funs'kdksa ds ikl va'kksa dh la[;k (31-03-2016 dks)

Ø- l-

funs'kd dk uke funs'kdksa ds ikl va'kksa dh la[;k

1- Jherh v:U/fr HkV~Vkpk;Z 'kwU;2- Jh oh-th- dUuu 'kwU;3- Jh T;ksfr ?kks"k 1004- Jherh ekyfodk flUgk 'kwU;5- Jh uhjt O;kl 'kwU;6- Jh jfo uUnu lgk; 'kwU;7- Jh oh-ds- eksaxk 'kwU;8- Jh jru dqekj :axVk 1609- Jh fgedj jkepanz JhokLro 17010- Jh Hkkjr jru 10011- Jh xqykc flag 'kwU;12- ch v:.k dwyoky 'kwU;

vuqyXud&II

31-03-2016 dks e.My ds funs'kdksa dk laf{kIr ifjp;

1- Jherh v#U/fr HkV~Vkpk;Z] vè;{k] Hkkjrh; LVsV cSad us vius 38 o"kZ ds dk;Zdky esa dbZ egRoiw.kZ inksa ij dk;Z fd;s gS] ftuesa ,lchvkbZ epsZUV cSafdax 'kk[kk&,lchvkbZ dSfiVy ekdsZV dh eq[; dk;Zikyd rFkk cSad dh ubZ ifj;kstukvksa ds eq[; egkizca/d tSls izeq[k in 'kkfey gSA dbZ u;s O;olk;ksa ;Fkk ,lchvkbZ tujy ba';ksjsal] ,lchvkbZ dLVksfM;y lfoZlst vkSj esD;wosjh bUÚkLVªDpj iQaM dks ykxw djus esa mUgksaus lfØ; Hkwfedk fuHkkbZ gSA 2- Jh oh-th- dUuu] izcU/ funs'kd ,oa lewg dk;Zikyd (lgk;d ,oa leuq"kaxh) Hkkjrh; LVsV cSad us cSad esa vius rhu n'kd ls Hkh vf/d ds dk;Zdky ds nkSjku izeq[k inks ij dk;Z fd;s gS ftuesa ,lchvkbZ dsfiVy ekdsZV fy- ds izcU/ funs'kd o eq[; dk;Zikyd vf/dkjh] ,lchvkbZ feM dkWjiksjsV lewg ds eq[; egkizcU/d vkSj usVodZ&1 ,y,pvks] pSUubZ esa egkizca/d tSls izeq[k in 'kkfey gSA mudks cSad ds ½.k ifjlEifÙk;ksa dk O;kid vuqHko gSA muds }kjk cSad ds O;kolkf;d fodkl] uhfr] fuxjkuh] fu;U=k.k vkSj cSad dh eè; dkWjiksjsV lewg dh j.kuhfr ds fy, vusd dne mBk;s x;s gSA3- Jh T;ksfr ?kks"k] cSad ds çcaèk funs'kd dks cSafdax dk rhu n'kd ls T;knk dk vuqHko gSA vius dk;Zdky ds nkSjku mUgksaus bl cSad rFkk vU; lg;ksxh cSadksa esa dbZ nkf;Roksa dk fuokZg fd;kA cSad esa çcaèk funs'kd ds :i esa fu;qfDr ls iwoZ] os LVsV cSad vkWi+Q gSnjkckn esa eq[; egkçcaèkd (okf.kfT;d cSafdax) ds in ij dk;Zjr FksA vius iwoZ nkf;Roksa esa os mi egkçcaèkd (LVsV cSad vkWi+Q ifV;kyk)] egkçcaèkd (LVsV cSad vkWi+Q bankSj ,oa LVsV cSad vkWiQ gSnjkckn) ds in ij jgsA os flracj 2002 ls fnlacj 2006 rd Hkkjrh; LVsV cSad] izSaQdiQVZ (teZuh) esa Hkh vkbZchvks ds :i esa inLFkkfir jgsA

4- Jherh ekyfodk flUgk] iz- eq[; egkizca/d Hkkjrh; fjt+oZ cSad esa vkjchvkbZ esas eqacbZ] iVuk vkSj ubZ fnYyh esa fons'kh&fofue;] yksd½.k dk;kZy; (Public Debt Office)] cSafdax i;Zos{k.k foHkkx] cSafdax ifjpkyu ,oa fodkl foHkkx] ljdkjh foHkkx ,oa cSad [kkrs lfpo foHkkx esa dk;Z fd;k gSA orZeku esa os eqacbZ esa lgdkjh cSad i;Zos{k.k foHkkx dk nkf;Ro fuokZg dj jgh gSA

5- Jh xqykc flag] foÙk ea=kky; esa milfpo gSA bUgsa ys[kk ,oa iz'kklfud fo"k;ksa esa 30 o"kksZ dk O;kid vuqHko gSA bUgksaus dschusV lfpoky; esa 1985 esa dk;Zxzg.k fd;s rnqijkUr dk;Z fu"iknu ea=kky;] us'kuy ØkbZe fjdkWMZ C;wjksa vkSj x`g ea=kky; ds vk/hu Ldwy

69

ANNEXURE -I(e)

NUMBER OF SHARES HELD BY THE DIRECTORS (As on 31.03.2015)

No. Name of Director No. of Shares held by the Director

1. Smt Arundhati Bhattacharya Nil

2. Shri V.G. Kannan Nil

3. Shri Jyoti Ghosh 100

4. Smt Malvika Sinha Nil

5. Shri Neeraj Vyas Nil

6. Shri Ravi Nandan Sahay Nil

7. Shri V.K. Monga Nil

8. Shri Ratan Kumar Roongta 160

9. Shri Himkar Ramchandra Srivastava 170

10. Shri Bharat Rattan 100

11. Shri Gulab Singh Nil

12. Shri Arun Koolwal Nil

ANNEXURE – II

BRIEF BIODATA OF DIRECTORS AS ON 31ST MARCH, 2016

1. Smt. Arundhati Bhattacharya, Chairman, State Bank of India has held key positions during her 38 year career with the bank which include, Chief Executive of the bank’s merchant banking arm- State Bank of India Capital Markets; Chief General Manager in charge of new projects. She has been actively involved in the launch of several new businesses such as SBI General Insurance. SBI Custodial Services and the SBI Macquarie Infrastructure Fund.2. Shri V.G. Kannan, Managing Director & Group Executive (A&S), SBI, had held the key position during his over three decades career with the bank which include, MD & CEO of SBI Capital Markets Limited (SBICAP), Chief General Manager, SBI Mid Corporate Group (CBG) and General Manager, Network-I LHO, Chennai. He has extensive experience in the Loan Assets of the Bank. He took various initiatives for Business Development, Policy, Oversight, Control and strategy of the Mid Corporate Group of the Bank. 3. Shri Jyoti Ghosh, Managing Director of the Bank has over three decades experience in Banking. During his career, he handled various assignments in the Bank and other Associate Banks. Prior to his appointment as Managing Director of the Bank, he was Chief General Manager (Commercial Banking) in State Bank of Hyderabad. In his earlier assignments, he was Dy. General Manager (State Bank of Patiala), General Manager (State Bank of Indore & State Bank of Hyderabad). He was also posted in SBI, Frankfurt (Germany) as IBO during the period September, 2002 to December, 2006.4. Smt. Malvika Sinha, Pr. Chief General Manager, RBI has worked in RBI Mumbai, Patna and New Delhi handling departments of Foreign Exchange, Public Debt Office, Department of Banking Supervisions, Department of Banking Operations & Development, Department of Govt. and Bank Accounts & Secretary Deptt. Currently, she is handling Department of Coop. Bank Supervision in Mumbai.5. Shri Gulab Singh, is Dy. Secretary, Ministry of Finance. He has 30 years experience in different capacity in the field of accounts and administrative matters. He joined in Cabinet Secretariat in 1985 and served in Ministry of

70

f'k{kk ,oa lk{kjrk ls tqM+s jgsA vki vle] v:.kkpy izns'k] ef.kiqj] es?kky;] fetksje vkSj ukxkyS.M ds jkT; Lrjh; cSadlZ lfefr ds uksMy vf/dkjh Hkh gSA

6- Jh jfo uUnu lgk;] eq[; egkizca/d (, ,aM ,l) dks Hkkjrh; LVsV cSad esa 33 o"kZ ls vf/d vuqHko gSA Hkkjrh; LVsV cSad esa lsok ds nkSjku vkius egkizca/d ,oa mi egkizca/d tSls egRoiw.kZ nkf;Roksa dk fuokZg fd;k gSA

7- Jh uhjt O;kl] eq[; egkizca/d (, ,aM ,l)] Hkkjrh; LVsV cSad us cSad lsok ds nkSjku egkizca/d ,oa mi egkizca/d tSls egRoiw.kZ nkf;Roksa dk fuokZg fd;k gSA vkidks Hkkjrh; LVsV cSad esa 34 o"kksZ dk vuqHko gSA

8- Jh oh-ds- eksaxk] egkizca/d (, ,aM ,l) dks Hkkjrh; LVsV cSad esa 35 o"kksaZ dk vuqHko gSA Hkkjrh; LVsV cSad esa lsok ds nkSjku vkius mi egkizca/d tSls egRoiw.kZ nkf;Roksa dk fuokZg fd;k gSA

9- Jh jru dqekj :axVk] va'k/kjdksa }kjk p;fur funs'kd gSA os lsokfuo`r cSad vf/dkjh gSA bUgsa dkiksZjsV foÙk] varjkZ"Vªh; cSafdax]tksf[ke ij dsaæhr ys[kk ijh{kk ,oa fujh{k.k] lwpuk çkS|ksfxdh vkSj tu laidZ vkfn ds {ks=k esa rhu n'kdksa ls Hkh T;knk dk vuqHko gSA

10- Jh fgedj jkepaæ JhokLro] fuokZfpr funs'kd] dks rhu n'kd ls T;knk dk cSafdax vuqHko gSA mUgsa LVsV cSad lewg esa mi egkçcaèkd rFkk egkizca/d ds :i esa lk[k çLrkoksa ds dk;Z dk fo'ks"k :i ls vuqHko gSA

11- Jh Hkkjr jru] is'ks ls ,d lunh ys[kkdkj gSaA ftUgsa Hkkjrh; LVsV cSad (leuq"kaxh cSad) vfèkfue;] 1959 dh èkkjk 25 dh mièkkjk (1) ds [k.M (Mh) ds vèkhu euksuhr fd;k x;k gSA os fnukad 15-05-2011 ls 14-05-2014 rd cSad ds funs'kd jgsA

12- Jh v:.k dwyoky Jh Mh- ds tSu ds fnukd 11-01-2014 dks dk;kZof/ lekfIr dj lsokfuo`r gksus ds i'pkr LVsV cSad (leuq"kaxh cSad) vf/fu;e 1959 dh /kjk 25 dh mi /kjk (1) ds [k.M (lh,) ds varxZr fnukad 12-01-2014 dks e.My esa] dkexkj deZpkjh funs'kd lfEefyr gq,A

vuqyXud & III

vkpkj lafgrk dh vuqikyu lEcU/h ?kks"k.kkeSa] foÙkh; o"kZ 2015&16 ds fy, cSad vkpkj lafgrk dh lHkh e.My lnL;ksa ,oa ofj"B çcU/u }kjk vuqikyuk dh vfHkiqf"V lqfuf'pr djrk gw¡A eqEcbZ T;ksfr ?kks"k29-04-2016 çcU/ funs'kd

71

Programme Implementation, National Crime Records Bureau and attached office of Ministry of School Education & Literacy. He is also Nodal Officer for State Level Bankers Committees (SLBC) of Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram and Nagaland.6. Shri Ravi Nandan Sahay, Chief General Manager (A&S), SBI, has over 33 years experience in SBI. During his career with SBI, handled various assignments as General Manager and Dy.General Manager. 7. Shri Neeraj Vyas, Chief General Manager (A&S), SBI, handled various assignments as Dy. General Manager and General Manager and having 34 years experience in SBI.8. Shri V.K. Monga, General Manager (A&S), has 35 years experience in Banking. During his career with SBI, handled various assignments as Dy. General Manager.9. Shri Ratan Kumar Roongta, elected by the shareholders. He is a retired bank officer having over three decades of experience in the area of corporate finance, international banking, Risk Focused Audit and Inspection, Information Technology and public relations.10. Shri Himkar Ramchandra Srivastava, elected Director, has more than three decades experience, particularly in handling credit proposals as Dy. General Manager and General Manager in the State Bank Group. 11. Shri Bharat Rattan, is a Chartered Accountant by profession. He is nominated under clause (d) of sub-section (1) of the Section 25 of the SBI (Subsidiary Banks) Act 1959. He was Director of the Bank from 15.05.2011 to 14.05.2014.12. Shri Arun Koolwal, Workmen Employee Director, under clause (ca) of sub-section (1) of the Section 25 of the SBI (Subsidiary Banks) Act 1959 joined the Board on 12.1.2014 vise Shri D.K. Jain, who retired on 11.1.2014 after completion of tenure.

ANNEXURE – III

DECLARATION OF COMPLIANCE WITH THE CODE OF CONDUCTI confirm that all Board Members and Senior Management have affirmed Compliance with the Bank's Code of Conduct for the financial year 2015-16.Mumbai (Jyoti Ghosh)29.04.2016 Managing Director

72

vuqyXud&IV

laLFkkxr vfHk'kklu ds lEcU/ esa ys[kk ijh{kdksa dk izek.k&i=k

lsok esa lnL;x.k

LVsV cSad vkWiQ chdkusj ,.M t;iqjgeus 31 ekpZ] 2016 dks lekIr o"kZ ds fy, LVsV cSad vkWiQ chdkusj ,.M t;iqj }kjk laLFkkxr vfHk'kklu dh 'krksZa] tSlk fd LVsV cSad vkWiQ chdkusj ,.M t;iqj }kjk lsch (fyfLVax nkf;R;ksa ,oa izdVhdj.k vko';drvksa) fofu;e] 2015 esa vfHkof.kZr gS] dh vuqikyuk dk ijh{k.k fd;k gSA

laLFkkxr vfHk'kklu ds 'krksZa dh vuqikyuk izcU/u dk mÙkjnkf;Ro gSA gekjk ijh{k.k LVsV cSad vkWiQ chdkusj ,.M t;iqj }kjk laLFkkxr vfHk'kklu dh 'krksZa dh vuqikyuk lqfuf'pr djus ds fy, vaxhÑr fof/ ,oa blds dk;kZUo;u rd lhfer FkkA ;g u rks ,d ys[kk ijh{k.k gS vkSj u gh LVsV cSad vkWiQ chdkusj ,.M t;iqj ds foÙkh; fooj.kksa ds lEcU/ esa vfHker dk izdVhdj.k gSA

gekjs vfHker esa ,oa gekjh loksZre tkudkjh eas rFkk gesa miyC/ djk, x, Li"Vhdj.k ds vuqlkj ge izekf.kr djrs gSa fd LVsV vkWiQ chdkusj ,.M t;iqj us mi;qZDr of.kZr lwphc¼ fofu;eksa esa fufnZ"V laLFkkxr vfHk'kklu dh 'krksZa dh vuqikyuk fu;ekuqlkj dh gSA

ge ;g Hkh lwfpr djrs gSa fd fgr/kjd lEcU/ lfefr (va'k/kfj;ksa@fuos'kdksa dh f'kdk;r lfefr) ds vfHkys[kkuqlkj LVsV cSad vkWiQ chdkusj ,.M t;iqj ds fo:¼ fuos'kdksa dh dksbZ f'kdk;r ,d eghus ls vf/d le; ls yfEcr ugha gSA

ge ;g Hkh lwfpr djrs gS fd bl izdkj dh vuqikyuk u rks LVsV cSad vkWiQ chdkusj ,.M t;iqj ds Hkfo"; dh O;ogk;Zrk vkSj u gh izcU/u }kjk LVsV cSad vkWiQ chdkusj ,.M t;iqj ds dk;Zdykiksa ds lapkyu dh dq'kyrk vFkok izHkko'khyrk ds ckjs esa dksbZ vk'oklu gSA

okLrs dkykuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 0007222 lh

(lh, fodkl xqIrk) (l-l- 077076)

lk>snkj

okLrs egs'k lh lksyadh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 006228 lh

(lh, egs'k lksyadh) (l-l- 074991)

lk>snkj

okLrss ds ds lksuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000947 ,u-

(lh, lUr lqtkr lksuh) (l-l-094227)

lk>snkj

okLrs vkj ,l ih ,p ,.M ,lksfl,V~l lunh ys[kkdkj

iQeZ iathdj.k la[;k 003013 ,u

(lh, jkt dqekj c=kk) (l-l- 006458)

lk>snkj

LFkku% eqacbZ] fnukad% 29-04-2016

73

For Kalani & Co.Chartered Accountants

FR NO. 000722C

(CA Vikas Gupta)(M.No. 077076 )

Partner

For Mahesh C Solanki & Co.Chartered Accountants

FR NO.006228C

(CA Mahesh Solanki)(M.No.074991)

Partner

For K K Soni & Co. Chartered Accountants

FR NO.000947N

(CA Sant Sujat Soni)(M.No.094227)

Partner

For R S P H & AssociatesChartered Accountants

FR NO.003013N

(CA Raj Kumar Batra)(M.No.006458)

Partner

Place : MumbaiDate: 29.04.2016

ANNEXURE – IVAUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE

To the Members ofState Bank of Bikaner and JaipurWe have examined the compliance of conditions of corporate governance by the State Bank of Bikaner and Jaipur, for the year ended on the 31st March, 2016 as stipulated in Securities & Exchange Board of India (Listing Obligation & Disclosure Requirements) Regulations, 2015. The compliance of conditions of Corporate Governance is the responsibility of the management. Our examination was limited to procedures and implementation thereof, adopted by the State Bank of Bikaner and Jaipur for ensuring the compliance of the conditions of the Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of the State Bank of Bikaner and Jaipur. In our opinion and to the best of our information and according to the explanation given to us, we certify that the State Bank of Bikaner and Jaipur has complied in all material respects with the conditions of Corporate Governance as stipulated in the above mentioned Listing Regulations.We state that no investor grievance is pending for a period exceeding one month against the State Bank of Bikaner and Jaipur as per the records maintained by the Stakeholders' Relationship Committee (Shareholders’/Investors Grievance Committee). We further state that such compliance is neither an assurance as to the future viability of the State Bank of Bikaner & Jaipur nor the efficiency or effectiveness with which the management has conducted the affairs of State Bank of Bikaner & Jaipur.

74

cklsy izdVhdj.kcSad us ekpZ 31] 2008 ls cklsy&II :ijs[kk dks viuk;kA cklsy&III funsZ'kksa dks vizSy 1] 2013 ls fØ;kfUor fd;k x;kA rnuqlkj] ekpZ 31] 2016 dks cSad ds fy, fiyj III izdVhdj.k fuEu gS%iwath izcU/uiawth izcU/u dk mís'; ;g lqfuf'pr djuk gS fd cSad }kjk fu/kZfjr O;olk; O;wg jpuk dk;kZUo;u ds fy;s cSad ds ikl i;kZIr iwath miyC/ gS vkSj foijhr foi.ku fLFkfr;ksa ,oa ckgjh dkjdksa ds dkj.k mRiUu vizR;kf'kr ladVksa ls ikj ikus ds fy, cSad ds ikl i;kZIr dq'ku Hkh miyC/ gSA 9.625% [iwath laj{k.k ciQj lfgr (lh lh ch)] ds fofu;ked U;wure Lrj ds fo:¼ mPp iwath i;kZIrrk vuqikr dks cuk;s j[kuk cSad dk mís'; gSA fofu;ked U;wure ds Åij vkf/D; iwath] Hkkoh vfxze O;olk; o`f¼ dks leFkZu iznku djus rFkk lkFk gh lkFk fdlh Hkh vizR;kf'kr ?kVuk ls fuiVus ds fy, ,d lqj{kk Hk.Mkj dk dk;Z djsxh] ftlls ;g lqfuf'pr fd;k tk lds fd foijhr ifjfLFkfr;ksa esa Hkh cSad dk iawth i;kZIrrk vuqikr fofu;ked U;wure Lrj ls uhps ugha vk ldsAtksf[ke izcU/utksf[ke] iwath ,oa vk; ds eè; lEcUèkksa ds o`gn~ lUnHkZ esa] cSad }kjk tksf[ke çcUèku çfØ;k,a ,oa O;ogkj fodflr fd;s x;s gSaA eaMy }kjk fuèkkZfjr mís';] cSad dh tksf[ke ysus dh {kerk dks fuf'pr djrs gSa] tks fd cSad dh iwath vk;kstuk ,oa fu"iknu çcUèku ds fy, ,d egRoiw.kZ dkjd gSaA cSad }kjk fu"ikfnr fd;s tkus okys O;olk; esa tksf[ke ço`fÙk ,d vfèkdre tksf[ke gksrk gS] tks cSad ogu djus dk bPNqd gS rkfd foijhr ifjfLFkfr;ksa esa Hkh cSad dh ykHkçnrk ,oa iwath vkèkkj lqjf{kr j[kk tk ldsaA bu tksf[keksa dk çcUèku] lhekvksa vFkok fuokjd fcUnqvksa dks] iwath] vk; dh vfLFkjrk ,oa dsaæhÑr tksf[keksa ds leLr vk;keksa ds fy;s ç;ksx fd;k tk jgk gSA lqifjHkkf"kr vfèkdre tksf[ke ço`fÙk }kjk bu lhekvksa dk fuèkkZj.k fd;k tkrk gSA,dhÑr tksf[ke çcUèku n``f"Vdks.k dks viukrs gq,] cSad lqfuf'pr djuk pkgrk gS fd tksf[keksa dh igpku djus ,oa mudks ifjekf.kr djus] çHkkoh tksf[ke çcUèku ç.kkyh dks fodflr djus ds lkFk] vk; ,oa tksf[ke esa ,d mfpr lUrqyu cuk;k tk ldsA fof'k"V tksf[keksa ds dsUæhdj.k dks nwj fd;k tk lds] mfpr iwath <kapk rS;kj fd;k tk lds] lalkèkuksa ds b"Vre vkoaVu dks çkIr fd;k tk lds rFkk mPp vkfLr xq.koÙkk dks fujarj cuk;s j[kk tk ldsA ;g cSad dh foÙkh; fLFkfr lqn``< djus ,oa va'kèkkjdks ds fy;s vfèkdre ykHk vftZr djus esa ;ksxnku nsrk gSA

cSad o`gn~ :i ls tksf[ke çdkjksa dks fuEukuqlkj oxhZÑr ,oa ikfjHkkf"kr djrk gS %

lk[k tksf[ke izfri{kdkjdksa dh lk[k dh fLFkfr esa fxjkoV }kjk mRiUu lk[k vkfLr;ksa esa foRrh; gkfu dk tksf[ke (vkWiQ&cSysal 'khV foys[kksa lfgr)A

cktkj tksf[ke ekdsZV dkjdksa ds foijhr fn'kk esa tkus ftls] tSls C;kt njksa] çfrHkwfr;ksa dk ewY; ,oa fons'kh fofue; njksa esa vk;s ifjorZuksa ds }kjk ikus okys foijhr çHkkoksa ls cSad dh vkfLr;ksa ,oa ns;rkvksa ds ewY;ksa ls mRiUu foijhr gkfu;kaA

rjyrk tksf[ke tc vLohdk;Z gkfu;ksa ds fcuk cSad viuh nsunkfj;ksa dks viuh ns; frfFk ij iwjk djus esa vleFkZ yxs] bl dkj.k ls mRiUu cSad dh vk; ,oa iwath dk tksf[keA

ifjpkyu tksf[ke vi;kZIr vFkok vliQy vkarfjd çfØ;kvksa] O;fDr;ksa vFkok ra=k ;k ckgjh ?kVukvksa ds ifj.kkeLo:i gkfu dk tksf[keA

cSafdax cgh esa C;kt nj tksf[ke

;g ,d ,slk tksf[ke gS tc C;kt njksa esa vk;s ifjorZuksa ds dkj.k cSad dh foÙkh; vkfLr;ksa ds ewY;ksa esa deh vk tkrh gS vkSj@vFkok cSad dh ns;rkvksa ds ewY; esa o`f¼ gks tkrh gSaA C;kt nj tksf[ke çkFkfed rkSj ij vkfLr;ksa ,oa ns;rkvksa esa ifjiDork vlarqyu ls mRiUu gksrk gSaA bldk lexz mís'; C;kt nj tksf[ke ls pkyw ,oa Hkkoh vk; vfLFkjrk dk çcaèku djuk gSaA

cSad ds lexz tksf[ke çcUèku ds fy, bldh fuEufyf[kr tksf[ke çcUèku lfefr;ka gS% cksMZ dh tksf[ke çcUèku lfefr] lk[k tksf[ke çcUèku lfefr] cktkj tksf[ke çcUèku lfefr] ifjpkyukRed tksf[ke çcUèku lfefr ,oa iwath ;kstuk lfefr bu lfefr;ksa ds vfrfjDr] cSad dh vkfLr ,oa ns;rk çcUèku lfefr lrr~ :i ls rjyrk iFk ,oa nj laosnu'khyrk dk fuèkkZj.k djus ds fy, vkfLr;ksa ,oa ns;rkvksa dh fuxjkuh djrh gSaAfofHkUu tksf[ke çcUèku lfefr;ka xq.kkRed ,oa ifjek.kkRed ifjçs{;ksa ds n``f"Vdks.k ls fofHkUu çdkj ds tksf[keksa ij ppkZ djrh gSa ,oa mudk xfr'khyrkiwoZd çcUèku Hkh djrh gSaA bu lfefr;ksa }kjk fd;s x;s fopkj&foe'kksaZ ds vkèkkj ij fofHkUu çdkj ds tksf[keksa ds fy, cSad dk funs'kd e.My] cSad dh tksf[ke çcUèku uhfr;ksa dk fuèkkZj.k djrk gSA

cklsy&II <kaps ij Hkkjrh; fjtoZ cSad }kjk fn;s x;s funsZ'kksa ds lanHkZ esa cSad us lk[k tksf[ke ds fy, ekudhÑr n``f"Vdks.k] cktkj tksf[ke ds fy, ekudhÑr vofèk n``f"Vdks.k rFkk ifjpkyukRed tksf[ke ds fy, csfld bf.MdsVj n``f"Vdks.k dks vaxhdkj fd;k gSA fiyj&I ds vuqlkj fofu;ked iwath vko';drk x.kuk ds vfrfjDr] cSad vU; tksf[keksa dk vkdyu djrk gS rFkk ekdsZV ds nckoksa ,oa ckgjh dkjdksa ls iM+us okys foijhr çHkkoksa dks >syus ds fy, dq'ku ds :i esa iwath dh i;kZIrrk dk fuèkkZj.k djrk jgrk gSA

75

BASEL DISCLOSURESThe Bank migrated to Basel-II framework w.e.f. March 31, 2008. Basel-III guidelines have also been implemented w.e.f. April 01, 2013. Accordingly, Pillar-III Disclosures of the Bank as on March 31, 2016 are as under:CAPITAL MANAGEMENTCapital management is aimed at ensuring that there is sufficient capital to meet the requirement of the Bank as determined by its underlying business strategy and also that sufficient cushion is available to absorb unexpected shocks that could arise out of adverse market conditions and external factors.The Bank aims to maintain Capital Adequacy Ratio (CAR) well above the regulatory minimum level of 9.625% [including Capital Conservation Buffer (CCB)]. Excess capital above the regulatory minimum is for supporting anticipated future business growth and to serve as a buffer for any unexpected shocks thereby ensuring that the Bank’s CAR does not fall below the regulatory minimum level even in adverse conditions.RISK MANAGEMENTThe risk management processes and practices employed by the Bank have been developed in the wider context of the relationships between risk, capital and earnings.The strategic objectives set by the Board determine the Bank’s risk appetite, which is an important input for its capital planning and performance management. Risk appetite is the maximum risk the Bank is willing to accept in executing its business strategy while staying protected against events that may have an adverse impact on its profitability and capital base. Risks are being managed by using limits or checkpoints set across all dimensions of capital, earnings volatility and concentration risk. These limits are determined by a well-defined maximum risk appetite.By adopting an integrated risk management approach, the Bank seeks to improve its methods for identifying and quantifying risks, to develop a more effective risk management system, to achieve a stable balance between earnings and risk, to eliminate concentrations of specific risks, to create an appropriate capital structure, to achieve optimal allocation of resources, and to sustain high asset quality. This contributes to the strengthening of the financial health of the Bank and maximizing of shareholders’ value.The Bank broadly classifies and defines risk types as under:

Credit Risk The risk of financial loss in credit assets (including off-balance sheet instruments) caused by deterioration in the credit conditions of counterparties.

Market Risk The risk of financial loss where the value of assets and liabilities could be adversely affected by changes in market variables such as interest rates, securities prices and foreign exchange rates.

Liquidity Risk The risk to earnings and capital arising from a bank’s potential inability to meet its liabilities when they become due without incurring unacceptable losses.

Operational Risk The risk of loss resulting from inadequate or failed internal processes, people or systems, or from external events.

Interest Rate Risk in Banking Book

The risk that the value of bank’s financial assets may decrease and/or the value of the bank’s liabilities may increase because of changes in interest rates. Interest Rate Risk arises primarily from the maturity mismatch of assets and liabilities. The overall objective is to manage current and future earnings sensitivity to interest rate risk exposure.

The Bank has the following risk management committees in place for its overall risk management: Risk Management Committee of the Board, Credit Risk Management Committee, Market Risk Management Committee, Operational Risk Management Committee and Capital Planning Committee. Besides these committees, the Bank’s Assets-Liabilities Management Committee (ALCO) to monitor the build-up of assets and liabilities across maturities for liquidity tracking and assessing rate sensitivity on an ongoing basis.The various risk management committees discuss and dynamically manage the different types of risks both from qualitative and quantitative perspectives. The Board of Directors lays down the Bank’s risk management policies for various types of risk based on the discussions held by these committees.In terms of RBI guidelines on Basel-II framework, the Bank has adopted the Standardised Approach for Credit Risk, Standardised Duration Approach for Market Risk and Basic Indicator Approach for Operational Risk. In addition to regulatory capital requirement of computation as per Pillar-I, the Bank also assess Liquidity Risk and Interest Rate Risk, and carries out stress tests on a regular basis to assess adequacy of the capital available as a cushion to withstand shocks from market forces and external factors.

76

cklsy&III izdVhdj.ku, iwath i;kZIrrk <kaps (NCAF) ij Hkkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ,oa gekjh izdVhdj.k uhfr ds lUnHkZ esa cklsy&III <kaps ds xq.kkRed ,oa ifjek.kkRed izdVhdj.k] izdVhdj.k lkj.kh (DF) 1 ls 18 esa layXu gSA

Mh,iQ&1% ykxw {ks=k (i) xq.kkRed izdVhdj.k

d- lesdu gsrq fopkj esa fy;s x;s lewg gfLr;ksa dh lwph

laLFkk dk uke@fuxeu ns'k

D;k ml gLrh dks lesdu ds ys[kkadu nk;js ds varxZr 'kkfey fd;k x;k gS (gka@ugha)

lesdu ds rjhds dks Li"V djs

D;k ml gLrh dks lesdu ds fofu;ked nk;js ds varxZr 'kkfey fd;k x;k gS (gka@ugha)

lesdu ds rjhds esa varj dks Li"V djsa

lesdu ds rjhds dks Li"V djs

;fn lesdu dsoy ,d gh nk;js esa lesfdr fd;k x;k gks] rks mlds dkj.k Li"V djsaA

'kwU;[k- lesdu ds ys[kkadu vkSj fofu;ked nksuks nk;jksa ds varxZr lesdu gsrq fopkj esa u fy;s x;s lewg gfLr;ksa dh lwph

laLFkk dk uke@fuxeu ns'k

gLrh dk iz/ku dk;Z

rqyu&i=k dh dqy bfd~oVh tSlk fd fof/d rqyu i=k esa crk;k x;k gS

dqy bfd~oVh esa cSad dh dqy /fjrk jkf'k dk izfr'kr

gLrh ds iwath fy[krksa esa cSad ds fuos'kksa dks fofu;ked VªhV~esaV

rqyu&i=k dh dqy vkfLr;ka (tSlk fd fof/d gLrh ds ys[kkadu rqyui=k esa crk;k x;k gSA)

jktLFkku e#/jk xzkeh.k cSad

cSafdax 6 djksM+ 35% tksf[ke vk/kfjr 9342.03 djksM+

(ii) ifjek.kkRed izdVhdj.k

(x) lesdu gsrq fopkj esa fy;s x;s lewg gfLr;ksa dh lwph

laLFkk dk uke@fuxeu ns'k(tSlk fd Åij (i) d esa 'kkfey fd;k x;k gS)

laLFkk dh iz/ku xfrfof/ dqy rqyu&i=k bfd~oVh (tSlk fd dkuwuh gLrh dh ys[kkadu rqyui=k esa crk;k x;k gS)

dqy rqyu&i=k vkfLr;k (tSlk fd dkuwuh gLrh dh ys[kkadu rqyui=k eas crk;k x;k gS)

'kwU;

?k- lHkh vuq"kaxh esa iwath esa dfe;ka fd ldy jkf'k ftls lesdu ds fofu;ed nk;js esa 'kkfey ugha fd;k x;k gS] vFkkZr ftls ?kVk;k x;k gS%

laLFkk dk uke@fuxeu ns'k

laLFkk dh iz/ku xfrfof/ dqy rqyu&i=k bfd~oVh (tSlk fd dkuwuh gLrh dh ys[kkadu rqyui=k esa crk;k x;k gS)

dqy bfd~oVh esa cSad dh /kfjrk jkf'k dk izfr'kr

iwath esa dfe;ka

'kwU;

M- chek laLFkkvksa esa dqy fgrksa dh ldy jkf'k;ka (tSls orZeku cgh ewY;)] tks tksf[ke Hkkfjr gS%

laLFkk dk uke@fuxeu ns'k

laLFkk dh iz/ku xfrfof/ dqy rqyu&i=k bfd~oVh (tSlk fd dkuwuh gLrh dh ys[kkadu rqyui=k esa crk;k x;k gS)

dqy bfd~oVh@erkf/dkj ds vuqikr esa cSad dh /kfjrk jkf'k dk izfr'kr

fofu;ked iwath ij tksf[ke Hkkj.k fof/ dh rqyuk esa iw.kZ dVkSrh fof/ dk iz;ksx djus dk ek=kkRed izHkko

'kwU;

77

Basel III DISCLOSURESIn terms of Reserve Bank of India guidelines on Basel III norms and our Disclosure Policy, Qualitative & Quantitative disclosures of Basel-III framework are appended in the Disclosure Tables (DF) 1 to 18.DF-1: SCOPE OF APPLICATION(i) Qualitative Disclosuresa. List of group entitities considered for consolidation

Name ofthe entity/Country of incorporation

Whetherthe entity is included underaccountingscope of consolidation(Yes / no)

Explain the method of consolidation

Whetherthe entity isincluded under regulatoryscope of consolidation(Yes / no)

Explain themethod ofconsolidation

Explain thereasons fordifference inthe method ofconsolidation

Explain the reasons if consolidated under only one of the scopes of consolidation

NIL

b. List of group entitites not considered for consolidation both under the accounting and regulatory scope of consolidation

Name of the entity / Country of incorporation

Principle activity of the entity

Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

%age of bank's holding in the total equity

Regulatory treatment of bank's investments in the capital instruments of the entity

Total balance sheet assets (as stated in the accounting balance sheet of the legal entity)

Rajasthan MarudharaGramin Bank

Banking 6.00 crore 35% Risk Weighted 9342.03 crore

(ii) Quantitative Disclosures :c. List of group entitites considered for consolidation

Name of the entity / Country of incorporation (as indicated in (i) a above

Principle activity of the entity

Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

Total balance sheet assets (as stated in the accounting balance sheet of the legal entity)

NIL

d. The aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory scope of consolidation i.e. that are deducted

Name of the entity / Country of incorporation

Principle activity of the entity

Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

%age of bank's holding in the total equity

Capital deficiencies

NILe. The aggregate amounts (e.g. current book value) of the banks's total interest in insurance entities, which are risk weighted :

Name of the entity / Country of incorporation

Principle activity of the entity

Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

%age of bank's holding in the total equity / proportion of voting power

Quantitative impact on regulatory capital of using risk weighting method versus using the full deduction method

NIL

78

p- cSafdax lewg ds Hkhrj ;k fofu;ked iwath ds varj.k ij dksbZ izfrcU/ ;k ck/k;sa -------------------ykxw ugha-----------------------

Mh,iQ&2% iwath i;kZIrrkxq.kkRed izdVhdj.kxq.kkRed izdVhdj.k

y cSad dh vkbZdSi (ICAAP) dh uhfr cksMZ ls vuqeksfnr gSA

y pkyw O;olk; Lrj ,oa vuqekfur Hkkoh O;olk; ds fy, iwath dh vko';drk dk fuèkkZj.k vkbZdSi }kjk fd;k x;k gSA

y iwath i;kZIrrk vuqikr cklsy&II ,oa cklsy&III ds fn'kk&funsZ'kksa ds vuqlkj fudkyk x;k gSA iwath i;kZIrrk dk vkdyu fofu;ked U;wure 9.625% [iwath laj{k.k ciQj lfgr (lh lh ch)] ds Lrj ds Åij vkadk x;k gSA

ifjek.kkRed izdVhdj.k

(` djksM+ esa)

lk[k tksf[ke ds fy, iwath ds vko';drk 6359.45

ekudhÑr n`f"Vdks.k ds varxZr iksVZiQksfy;ks 6359.45

izfrHkwfrdj.k ,Dlikstj 0.00

foi.ku tksf[ke ds fy, iwath dh vko';drk

ekudhÑr n`f"Vdks.k ds 253.04

& C;kt nj tksf[ke 96.62

& fons'kh fofue; tksf[ke (lksuk lfgr) 3.03

& bfDoVh tksf[ke 153.39

ifjpkyukRed tksf[ke ds fy, iwath dh vko';drk

csfld bf.MdsVj n`f"Vdks.k 638.66

dqy ;ksx 7251.15

lhbZVh 1] Lrjh;&I ,oa dqy iawth i;kZIrrk vuqikr [iawth laj{k.k ciQj lfgr (lhlhch)]

8.81%, 8.97%, 11.06%

(` djksM+ esa)

dqy ,oa Lrjh;&I iwath i;kZIrrk vuqikr

iwath Lrj 8333.53

(Lrjh;&I) iwath 6754.52

dqy iwath i;kZIrrk 11.06%

(Lrjh;&I) 8.97%

tksf[ke vk/kfjr vkfLr 75336.72

Lrjh;&I iwath (Mh ,iQ&2) 6754.52

dqy iwath (Mh ,iQ&2) 8333.53

79

f. Any restrictions or impediments on transfer of funds or regulatory capital within the banking group : ------------N.A.-------------

DF-2 : CAPITAL ADEQUACYQualitative Disclosures:

y Bank has a Boad-approved ICAAP (Internal Capital Adequacy Assessment Process) Policy y Capital requirement for current business levels and estimated future business has been assessed as per

ICAAP y CAR (Capital Adequacy Ratio) has been worked out based on Basel-II and Basel-III guidelines. CAR is

estimated to be above the regulatory minimum level of 9.625% [including Capital Conservation Buffer (CCB)].

Quantitative Disclosures:

(` in crores)

Capital requirements for credit risk 6359.45

Portfolios subject to standardized approach 6359.45

Securitisation exposures 0.00

Capital requirements for market risk

Standardised duration approach: 253.04

- Interest rate risk 96.62

- Foreign exchange risk (including gold) 3.03

- Equity risk 153.39

Capital requirements for operational risk

Basic indicator approach 638.66

TOTAL 7251.15

Common Equity Tier 1, Tier 1 and Total Capital ratio

[including Capital Conservation Buffer (CCB)] 8.81%, 8.97%, 11.06%

(` in crores)

Total and Tier-1 capital adequacy ratio

estimated at a capital level of 8333.53

and Tier-1 capital of 6754.52

as per Table 2 above Total CAR 11.06%

CAR (Tier-1) 8.97%

RWA 75336.72

T-1 Capital (DF2) 6754.52

Total Capital (DF2) 8333.53

80

Mh,iQ&3% lk[k tksf[ke% lkekU; izdVhdj.k (bZfDoVh lfgr) xq.kkRed izdVhdj.k

(v) lkekU; xq.kkRed izdVhdj.kI. vutZd (Impaired) vkfLr;ksa dh ifjHkk"kk% cSad bu Jsf.k;ksa ds fy, Hkkjrh; fjtoZ cSad dh ekStwnk ifjHkk"kkvksa dk ikyu

dj jgk gSA (ç;qDr ifjHkk"kk,a ifjf'k"V&I esa nh xbZ gSa)A II. lk[k tksf[ke izcU/u%

y tksf[ke xous±l <kapk ekStwn gS (laxBu pkVZ ifjf'k"V&II ds vuqlkj)

y lk[k tksf[ke çcUèku lfefr ,oa cksMZ dh tksf[ke çcUèku lfefr çeq[k lfefr;ka gSa] tks lk[k tksf[ke çcUèku dh leh{kk djrh gSaA

y lk[k tksf[ke ls lEcfUèkr cksMZ }kjk vuqeksfnr uhfr;ka fuEukuqlkj gSa %

y lk[k tksf[ke çcUèku] ç'keu lEikf'kZ~od çcUèku uhfr

y lk[k tksf[ke nkc ijh{k.k uhfr

y lk[k tksf[ke ekWMy lR;kiu uhfr

y tksf[ke jsfVax uhfr

y lk[k tksf[ke vkadM+k çcUèku uhfr

y vkbZ-vkj-ch- ifjlEifr oxhZdj.k uhfr

y ekWMy tksf[ke uhfr

y ns'k tksf[ke çcUèku uhfr

y cSad dh uhfr;ka csgrj lk[k tksf[ke çcUèku dh vko';drkvksa ,oa tksf[ke ladsæ.k dks nwj djus dh vko';drkvksa dk è;ku j[krh gSaA

y bu uhfr;ksa dh leh{kk vkofèkd vUrjkyksa ij dh tkrh gSA

y ,dy ½.kh] lewg vfLrRoksa] fofHkUu Jsf.k;ksa ds ½f.k;ksa] fof'k"V m|ksx@{ks=k vkfn ds fy, ½.k tksf[ke lhek,a fuèkkZfjr dh xbZ gSaA

y ewY;kadu ,oa LohÑfr] çys[ku] fujh{k.k ,oa vuqJo.k] uohuhdj.k] j[k&j[kko] iquokZl ,oa vkfLr;ksa ds çcUèku ds fof'k"V ekun.Mksa ,oa fn'kk&funsZ'kksa dk fuèkkZj.k] lk[k tksf[ke çcUèku ,oa ½.k uhfr esa fd;k x;k gS rFkk lkFk gh lkFk mfpr çkfèkdkjh <kaps ds vUrxZr vuqer uoksUes"k.k ,oa fopyu ds fy, i;kZIr xqatkb'k dk çkoèkku fd;k x;k gSA

y vfxzeksa dk nkc ijh{k.k Nekgh varjky ij lhvkj,elh ,ao vkj,elhch ds le{k leh{kk gsrq j[kk tkrk gSA

ifjek.kkRed izdVhdj.k%(`djksM+ esa)

dks"k vk/kfjr xSj&dks"k vk/kfjr dqy ;ksx

dqy ldy lk[k ½.k tksf[ke fuos'k 74743.28 8270.10 83013.38

lk[k tksf[ke ½.k dk HkkSxksfyd forj.k%

i. leqnzikjh; 0 0 0

ii. ?kjsyw 74743.28 8270.10 83013.38

½.k tksf[keksa dk m|ksx&okj forj.k (dks"k vk/kfjr ,oa xSj&dks"k vk/kfjr)% lkj.kh&I

vkfLr;ksa dh vof'k"V lafonkRed ifjiDork ,oa C;kt nj aosnu'khyrk dk fo'ys"k.k%

lkj.kh&II

81

DF-3: CREDIT RISK: GENERAL DISCLOSURES: (INCLUDING EQUITIES)Qualitative Disclosures:

I. Definitionsof“ImpairedAssets”:

Bank is following extant RBI definitions of these categories. (The definitions used are given in Appendix-I).

II. CreditRiskManagement:

y Risk Governance Structure is in place (organization chart as per Appendix-II).

y Credit Risk Management Committee and Risk Management Committee of the Board are the principal committees that review credit risk management

y Following Board-approved policies with regard to credit risk are in place:

y Credit Risk Management, Mitigation and Collateral Management Policy y Credit Risk Stress Testing Policy y Credit Risk Model Validation Policy y Risk Rating Policy y Credit Risk Data Management Policy y IRB Asset Categorization Policy y Model Risk Policy y Country Risk Management Policy

y Bank’s policies take into account the need for better credit risk management and avoidance of risk concentration

y Policies are reviewed periodically.

y Exposure limits for Single Borrower, Group Entities, different categories of borrowers, specific industry /sector, etc. have been stipulated.

y Specific norms and guidelines for appraisal and sanction, documentation, inspection and monitoring, renewal, maintenance, rehabilitation and management of assets have been stipulated in the Credit Risk Management and Loan Policy, with provision of adequate leg room for innovation and deviation permissible under a proper authority structure.

y Stress test on advances is carried out at half yearly intervals and placed before the CRMC and RMCB for review.

Quantitiative Disclosures : (` in crores)

Quantitative Disclosures Fund Based Non Fund Based Total

Total Gross Credit Risk Exposures 74743.28 8270.10 83013.38

Geographic Distribution of Exposures : FB / NFB

i- Overseas 0.00 0.00 0.00

ii- Domestic 74743.28 8270.10 83013.38

Industry Type Distribution of Exposures as per DSB returns (Fund based / Non Fund Based separately) Please refer to Table “A”

Residual Contractual Maturity Breakdown of Assets as used in ALM returns Please refer to Table “B”

82

ldy xSj&fu"ikfnr vkfLr;ksa dh jkf'k 3602.76

i. voekud 1424.80

ii. lafnX/&1 1194.54

iii. lafnX/&2 593.65

iv. lafnX/&3 319.43

v. gkfu 70.34

fuoy xSj&fu"ikfnr vkfLr;ka 2005.19

xSj&fu"ikfnr vkfLr;ksa dk vuqikr

ldy vfxzeksa ds izfr ldy xSj&fu"ikfnr vkfLr; (%) 4.82%

fuoy vfxzeksa ds izfr fuoy xSj&fu"ikfnr vkfLr;ka (%) 2.75%

ldy xSj&fu"ikfnr vkfLr;ksa esa mrkj&p<+ko%

i. izkjfEHkd 'ks"k 2945.14

ii. ifjo¼Zu 2719.49

iii deh 2061.87

iv. vfUre 'ks"k 3602.76

xSj&fu"ikfnr vkfLr;ksa ds çko/kuksa esa mrkj&p<+ko (cSad }kjk /kfjr fofufnZ"V çko/kuksa vkSj lkekU; çko/kuksa ds fy,] cSad }kjk /kfjr çR;sd çdkj ds çko/kuksa ds o.kZu lfgr vyx çdVhdj.k fd, tk,axs)

i. izkjfEHkd 'ks"k 1175.97

ii. vof/ ds nkSjku fd;s x;s izko/ku 1273.94

iii. vof/ ds nkSjku fd;s x;s izko/ku 852.34

iv. vof/ ds nkSjku vkf/D; izko/kuksa dk iqujkadu 0.00

v. vU; lek;kstu] izko/kuksa ds vUrj.k lfgr 0.00

vi. vfUre 'ks"k 1597.57

cSafdax cgh esa xSj&fu"ikfnr fuos'kksa (ldy) dh jkf'k 0.00

xSj&fu"ikfnr fuos'k dh jkf'k 13.43

xSj&fu"ikfnr fuos'kksa (cSafdax cgh) ds fy, fd;s x;s izko/ku dh jkf'k 16.55

fuos'kksa ij ewY;ßkl ds fy, izko/kuksa esa mrkj&p<+ko

i. izkjafHkd 'ks"k ,u-ih-vkbZ-izko/ku 4.84

ii. fLFkr ewY;gkl izko/ku@vof/ ds nkSjku vfrfjDr izko/ku 13.02

iii. viys[ku 0.00

iv. vkf/D; izko/kuksa dk iqujkadu 1.31

v. vafre 'ks"k 16.55

eq[; m|ksx }kjk ;k izfri{kdkj izdkj %

,uih, rFkk fiNys cdk;k ½.kksa dh jkf'k] ;fn miyC/ gks] vyx ls nh tk,_ 2241.13

fofufnZ"V vkSj lkekU; izko/ku_ rFkk 757.53

orZeku vof/ ds nkSjku ofofufnZ"V izko/ku vkSj cV~Vk [kkrk Mkyuk 0.00

83

Amount of NPAs (Gross) i.e. SUM of (i to v) 3602.76

i. Substandard 1424.80

ii. Doubtful 1 1194.54

iii. Doubtful 2 593.65

iv. Doubtful 3 319.43

v. Loss 70.34

Net NPAs 2005.19

NPA Ratios

i) Gross NPAs to gross advances (%) 4.82%

ii) Net NPAs to net advances (%) 2.75%

Movement of NPAs (Gross)

i) Opening balance 2945.14

ii) Additions 2719.49

iii) Reductions 2061.87

iv) Closing balance 3602.76

Movement of provisions (Separate disclosure for specific provisions and general provisions with a description of each type of provisions held)

i) Opening balance 1175.97

ii) Provisions made during the period 1273.94

iii) Write-off 852.34

iv) Write-back of excess provisions 0.00

v) Any other adjustments, including transfers between provisions 0.00

vi) Closing balance 1597.57

Write-offs and recoveries that have been booked directly to the income statement 0.00

Amount of Non-Performing Investments 13.43

Amount of Provisions held for Non-Performing Investments 16.55

Movement of provisions for depreciation on investments

i) Opening balance 4.84

ii) Provisions made during the period 13.02

iii) Write-off 0.00

iv) Write-back of excess provisions 1.31

v) Closing balance 16.55

By major industry or counterparty type

Amount of NPA and if available, past due loans, provided separately; 2241.13

Specific and general provisions; and 757.53

Specific provisions and write-offs during the current period 0.00

84

fofufnZ"V vkSj lkekU; izko/kuksa dh jkf'k;ksa lesr egRoiw.kZ HkkSxksfyd {ks=kksa esa foHkkftr] ,uih, rFkk fiNys cdk;k ½.kksa dh jkf'k

xSj fu"ikfnr vkfLr;ka

izko/ku

i. leqæikjh; 0.00 0.00

ii- ?kjsyw (v $ c $ l $ n) 2241.13 757.53

v- mÙkj 885.06 316.56

c- nf{k.k 98.30 37.35

l- iwoZ 369.48 123.36

n- if'pe 888.29 280.26

ldy vfxze 74743.28

fuoy vfxze 72927.47

85

Amount of NPAs and past due loans provided separately by significant Geographical areas including specific and general provisions

NPA Provision

i- Overseas 0.00 0.00

ii- Domestic i.e. SUM of (a to d) 2241.13 757.53

(a) North 885.06 316.56

(b) South 98.30 37.35

(c) East 369.48 123.36

(d) West 888.29 280.26

GROSS ADVANCES 74743.28

NET ADVANCES 72927.47

86

lkj.kh&I½.k tksf[keksa dk m|ksxokj forj.k

(`djksM+ esa)

dwV m|ksx

dks"k vk/kfjr cdk;k xSj dks"k vk/kfjr cdk;k

dqy cdk;kekud

vkfLr;kxSj&fu"ikfnrvkfLr;ka

;ksx

1 dks;yk 200.77 0.25 201.01 89.76 290.772 [kku 1095.48 132.70 1228.19 134.84 1363.033 ykSg ,oa bLikr 5546.50 618.12 6164.62 1090.49 7255.114 /krq mRikn 779.02 72.06 851.08 226.11 1077.195 leLr vfHk;kf=kdh 2103.56 400.63 2504.19 0.00 2504.195-1 ftlesa ls bysDVªkWfuDl 994.82 239.22 1234.04 505.63 1739.676 fo|qr 2947.56 3.97 2951.56 667.09 3618.657 dkWVu VSDlVkbYl 1949.95 29.62 1979.57 300.12 2279.698 twV VSDlVkbYl 8.62 2.65 11.27 10.23 21.509 vU; VSDlVkbYl 2211.76 123.56 2335.32 149.40 2484.7210 phuh 59.59 8.09 67.68 0.00 67.6811 pk; 28.58 0.30 28.88 0.00 28.8812 [kk| izlaLdj.k 1111.78 88.06 1199.83 86.86 1286.6913 oSthVsfcy rsy ,oa ouLifr 509.73 0.74 510.47 364.81 875.2814 rEckdw@rEckdw mRikn 7.25 8.69 15.94 4.57 20.5115 dkxt@dkxt mRikn 207.81 177.18 384.99 91.43 476.4216 jcM+@jcM+ mRikn 790.85 45.87 836.72 279.68 1116.4017 dSfedYl@Mkbt@is.V~l vkfn 902.86 99.13 1001.99 0.00 1001.9917-1 ftlesa ls [kkn 14.93 0.02 14.94 9.61 24.5517-2 ftlesa ls isVªksdSfedYl 142.12 0.00 142.12 0.54 142.6617-3 ftlesa ls MªXl ,oa iQkekZL;qfVdYl 164.43 62.36 226.79 55.75 282.5418 lhes.V 892.27 6.15 898.42 138.76 1037.1819 peM+k ,oa peM+k mRikn 68.18 19.86 88.04 29.01 117.0520 jRu ,oa tokgjkr 906.80 163.16 1069.96 254.50 1324.4621 fuekZ.k 114.12 0.54 114.66 25.96 140.6222 isVªksfy;e 18.84 0.02 18.86 143.99 162.8523 vkWVkseksckbYl ,oa Vªd 563.59 3.95 567.54 72.28 639.8224 dEI;wVj lkWÝVos;j 0.00 0.00 0.00 0.00 0.0025 cqfu;knh <kapk 5631.14 256.61 5887.75 0.00 5887.7525-1 ftlesa ls ÅtkZ 2336.39 171.54 2507.94 251.37 2759.3125-2 ftlesa ls nwjlapkj 146.57 0.02 146.59 88.54 235.1325-3 ftlesa ls lM+d ,oa cUnjxkg 2782.55 71.85 2854.40 203.30 3057.7026 vU; m|ksx 740.99 12.35 753.34 95.27 848.6127 ,u-ch-,iQ-lh- 6320.02 0.00 6320.02 4.26 6324.28

28 ldy vfxze ds rqyu gsrq cps gq, vfxze 35422.86 1328.52 36751.39 4010.68 40762.07

dqy ;ksx 71140.51 3602.76 74743.28 8270.10 83013.38

87

TABLE AINDUSTRY-TYPE DISTRIBUTION OF EXPOSURE

(` in crores)

Code INDUSTRY Fund based Outstanding NF O/STotal

ExposureStandard NPA Total1 Coal 200.77 0.25 201.01 89.76 290.772 Mining 1095.48 132.70 1228.19 134.84 1363.033 Iron & Steel 5546.50 618.12 6164.62 1090.49 7255.114 Metal Products 779.02 72.06 851.08 226.11 1077.195 All Engineering 2103.56 400.63 2504.19 0.00 2504.195.1 Of which (005) Electronics 994.82 239.22 1234.04 505.63 1739.676 Electricity 2947.56 3.97 2951.56 667.09 3618.657 Cotton Textiles 1949.95 29.62 1979.57 300.12 2279.698 Jute Textiles 8.62 2.65 11.27 10.23 21.509 Other Textiles 2211.76 123.56 2335.32 149.40 2484.7210 Sugar 59.59 8.09 67.68 0.00 67.6811 Tea 28.58 0.30 28.88 0.00 28.8812 Food Processing 1111.78 88.06 1199.83 86.86 1286.6913 Vegetable Oils & Vanaspathi 509.73 0.74 510.47 364.81 875.2814 Tobacco/Tobacco Products 7.25 8.69 15.94 4.57 20.5115 Paper / Paper Products 207.81 177.18 384.99 91.43 476.4216 Rubber / Rubber Products 790.85 45.87 836.72 279.68 1116.4017 Chemicals/Dyes/Paints Etc 902.86 99.13 1001.99 0.00 1001.9917.1 of which fertilisers 14.93 0.02 14.94 9.61 24.5517.2 of which Petrochemicals 142.12 0.00 142.12 0.54 142.66

17.3of which Durgs & Pharmaceuticals

164.43 62.36 226.79 55.75 282.54

18 Cement 892.27 6.15 898.42 138.76 1037.1819 Leather & Leather Products 68.18 19.86 88.04 29.01 117.0520 Gems & Jewellery 906.80 163.16 1069.96 254.50 1324.4621 Construction 114.12 0.54 114.66 25.96 140.6222 Petroleum 18.84 0.02 18.86 143.99 162.8523 Automobiles & Trucks 563.59 3.95 567.54 72.28 639.8224 Computer Software 0.00 0.00 0.00 0.00 0.0025 Infrastructure 5631.14 256.61 5887.75 0.00 5887.7525.1 of which Power 2336.39 171.54 2507.94 251.37 2759.3125.2 of which Telecommunications 146.57 0.02 146.59 88.54 235.1325.3 of which Roads & Ports 2782.55 71.85 2854.40 203.30 3057.7026 Other Industuries 740.99 12.35 753.34 95.27 848.6127 NBFCs & Trading 6320.02 0.00 6320.02 4.26 6324.28

28 Res. Adv to Bal. Gross Advances 35422.86 1328.52 36751.39 4010.68 40762.07

Total 71140.51 3602.76 74743.28 8270.10 83013.38

88

lkj.kh&IIekpZ 31- 2016 dks vkfLr;ksa dh vof'k"V lafonkRed ifjiDork

(` djksM+ esa)

Ø-la-

vUrizZokg 1&14 fnu

15 fnu&28 fnu

29 fnu& 3 ekg

>3&6 ekg >6&1 o"kZ >1&3 o"kZ >3&5 o"kZ >5 o"kZ dqy ;ksx

1 udn 502.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 502.552 Hkkjrh; fjtZ+o

cSad ds ikl 'ks"k

5494.80 29.59 254.74 138.54 211.34 1405.99 626.95 1050.69 9212.64

3 vU; cSadksa ds ikl 'ks"k 107.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 107.68

4 fuos'k 531.70 149.32 640.48 1031.78 1363.86 4175.20 4579.25 12310.78 24782.375 vfxze 3350.69 390.74 2285.77 607.43 1771.03 44658.13 7384.19 12479.48 72927.466 vpy vkfLr;ka 0.00 0.00 0.00 0.00 0.00 0.00 0.00 398.57 398.577 vU; vkfLr;ka 2076.59 1.86 116.75 0.00 128.69 42.88 7.61 30.62 2405.00

;ksx 12064.01 571.51 3297.74 1777.75 3474.92 50282.20 12598.00 26270.14 110336.27

Mh,iQ&4%

lk[k tksf[ke% ekudhÑr n`f"Vdks.k ds vk/kj ij iksVZiQksfy;ksa izdVhdj.k

xq.kkRed izdVhdj.k%

xq.kkRed izdVhdj.k fVIi.khI mi;ksx dh xbZ ØsfMV jsfVax

,tsfUl;ksa ds uke?kjsyw ØsfMV jsfVax ,tsfUl;ka&fØfly] bdjk] dsvj bf.M;k jsfVaxl ,oa fjlpZ izk-fy-] fczdodZ jsfVax ,oa ,l,ebZ jsfVax ,tsalh (SMERA) vUrjkZ"Vªh; jsfVax ,tsfUl;ka (IRA)& fiQp jsfVax (FITCH)] ewMht ,oa ,l ,.M ih

II vfHkKkfur jsfVax ,tsfUl;ksa esa iwoZ vof/ izdVhdj.k ls ifjorZu] ;fn dksbZ gks] ,oa muds dkj.k

dksbZ ifjorZu ugha

III ½.k tksf[keksa ds izdkj ftuds fy, izR;sd ,tsUlh dk iz;ksx fd;k tkrk gS@ iz;ksx fd;k tkuk gSA

fofHkUu izdkj ds ½.k tksf[keksa ds fy,] vfHkKkfur jsfVax ,tsUlh dh jsfVax dk iz;ksx fuEukuqlkj fd;k tkrk gS%

(i) ,d o"kZ ls de ;k blds leku vof/ dh lafonkRed ifjiDork lfgr ½.k tksf[keksa (udn lk[k] vf/fod"kZ ,oa vU; ifjØkeh lk[kksa dks NksM+dj) ds fy;s vYikof/ jsfVax ykxw gksxhA

(ii) ?kjsyw udn lk[k] vf/fod"kZ ,oa vU; ifjØkeh lk[kksa (vof/ ij fopkj fd;s fcuk) ,o ,d lky dh vof/ ds Åij nh?kkZof/ ½.kksa ds fy, nh?kkZof/ jsfVax ykxw gksxh

(iii) leqnzikjh; ½.k tksf[keksa ds fy,] lafonkRed ifjiDork ij fopkj fd;s fcuk] vkbZvkj, }kjk nh xbZ nh?kkZof/ jsfVax ykxw gksxhA

89

TABLE BResidual contractual maturity breakdown of assets as on March 31, 2016

(` in crores)

INFLOWS 1-14 DAYS

15-28 days

29 days and up to 3 months

Over 3 months

and up to 6 months

Over 6 months

and op to 1 year

Over 1 year and up to 3 years

Over 3 years and

up to 5 years

Over 5 years TOTAL

Cash 502.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 502.55

Balances with RBI

5494.80 29.59 254.74 138.54 211.34 1405.99 626.95 1050.69 9212.64

Balances with other Banks

107.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 107.68

Investments 531.70 149.32 640.48 1031.78 1363.86 4175.20 4579.25 12310.78 24782.37

Advances 3350.69 390.74 2285.77 607.43 1771.03 44658.13 7384.19 12479.48 72927.46

Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 398.57 398.57

Other Assets 2076.59 1.86 116.75 0.00 128.69 42.88 7.61 30.62 2405.00

TOTAL 12064.01 571.51 3297.74 1777.75 3474.92 50282.20 12598.00 26270.14 110336.27

DF-4 : CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO STANDARDISED APPROACHQualitative Disclosures:

PARTICULAR Remarks

I Name of credit rating agencies used Domestic Credit Rating Agencies: CRISIL, ICRA, CARE, India Ratings & Research Pvt. Ltd., Brickworks Ratings and SME Ratings Agency of India limited (SMERA)

International Rating Agencies (IRA):FITCH, Moody's and S&P

II. Changes, if any, since prior period disclosures in the identified rating agencies and reasons for the same

No change

III. Types of exposures for which each agency used/to be used

Ratings done by the identified rating agency are to be used for various types of exposures as follows:

(i) For exposures with a contractual maturity of less than or equal to one year (except Cash Credit, Overdraft and other Revolving Credits), Short term Ratings will be applicable.

(ii) For domestic Cash Credit, Overdraft and other Revolving Credits (irrespective of the period) and for Long Term exposures of over 1 year, Long Term Ratings will be applicable.

(iii) For overseas exposures, irrespective of the contractual maturity, Long Term Ratings given by IRAs will be applicable.

90

IV cSafdax cgh esa lkoZtfud fuxZfer jsfVax dk rqyukRed vkfLr;ksa esa vUrj.k ds fy, iz;qÙkQ izfØ;kvksa dk o.kZu

nh?kkZof/ fuxZe fof'k"V jsfVax (gekjs futh ½.k tksf[ke vFkok mlh ½.k&xzkgd@dkm.Vj ikVhZ }kjk vU; tkjh ½.k) vFkok fuxZedrkZ (½.k&xzkgd@dkm.Vj ikVhZ)] jsfVax fuEufyf[kr ekeyksa esa mlh ½.kh&xzkgd@dkm.Vj ikVhZ dks vU; fcuk jsfVax fd;s x;s ½.k tksf[keksa esa ykxw fd;k tk ldrk gSA

(i) vxj fuxZe fof'k"V jsfVax vFkok fuxZedrkZ jsfVax mlh dkm.Vj ikVhZ ij] fcuk jsfVax ½.k tksf[ke ij leku tksf[ke Hkkj vFkok mlls vf/d tksf[ke Hkkj dks izfrfpf=kr djrk gS] rks ml ij ogh tksf[ke Hkkj leuqnsf'kr fd;k tk;sxk] vxj ½.k tksf[ke lc rjg ls jsfVax fd;s x;s ½.k tksf[ke ds cjkcj vFkok de gSA

(ii) mu ekeyksa esa tgka ½.kh&xzkgd@dkm.Vj ikVhZ us dksbZ ½.k tkjh fd;k gS (tks fd gekjs cSad ls m/kjh ugha gS)] ml ½.k dks nh xbZ jsfVax cSad ds fcuk jsfVax fd;s x;s ½.k tksf[ke ij ykxw dh tk ldrh gS vxj cSad dk ½.k tksf[ke fof'k"V jsfVax fd;s x;s ½.k tksf[ke ds cjkcj vFkok ofj"B gS vkSj cSad dk fcuk jsfVax fd;k x;k ½.k tksf[ke] jsfVax fd;s x;s ½.k dh ifjiDork ds ckn okyk ugha gSA

ifjek.kkRed izdVhdj.k%

ekudhÑr n`f"Vdks.k ds varxZr] tksf[ke iz'keu ds ckn vFkkZr~ cdk;k jkf'k (jsfVax ,oa fcuk jsfVax dks ,d lkFk ysdj)] dk fofHkUu tksf[ke Jsf.k;ksa ds varxZr fooj.k ,oa muesa ls ?kVk;h x;h jkf'k fuEukuqlkj gS %&

(` djksM+ es)

y 100% tksf[ke Hkkj ls de 48210-01

y 100% tksf[ke Hkkj dh nj ls 16465-14

y 100% tksf[ke Hkkj ls vf/d 15450-83

y dVkSrh dh xbZ jkf'k] ;fn dksbZ gks (lk[k tksf[ke iz'keu)

2887-40

;ksx 83013-38

Mh,iQ&5%

lk[k tksf[ke iz'keu% ekudhÑr n`f"Vdks.k ds fy, izdVhdj.kxq.kkRed izdVhdj.k%

(i) lEikf'oZr ewY;kadu ,oa izcU/u ds fy, uhfr ,oa izfØ;k

½.k tksf[ke de djus dh ,oa leik'oZ çcUèku dh uhfr fLFkr gS tks cSad ds iwath x.kuk ds fy, ç;qDr ½.k tksf[ke de djus okys rRoksa ds çfr cSad ds n``"Vdks.k dks n'kkZrh gSA bl uhfr dk ;g mís'; ½.k tksf[ke de djus okys rRoksa dk oxhZdj.k ,oa ewY;kadu bl rjg djus dk gS ftlls fofu;ked iwath leUo; mudks çfrfcfEcr dj ldsaAuhfr esa O;kid n``f"Vdks.k dks viuk;k x;k gS] tks ½.k tksf[ke ds laik'oZ (mfpr gs;jdV ds ckn) dks iw.kZr% ?kVkrs gq, laik'oZ ds ewY; rd ½.k&tksf[ke jkf'k esa çHkkoh deh ykrk gSA uhfr esa fuEufyf[kr fo"k;ksa dks lacksfèkr fd;k x;k gS%

91

IV Description of the process used to transfer public issue rating onto comparable assets in the banking

book

Long-term issue-specific ratings (our own exposures or other issuance of debt by the same borrower-constituents/counter-party) or issuer (borrower-constituents/counter-party) ratings can be applied to other unrated exposures of the same borrower-constituents/counter-party in the following cases:

(i) If the issue-specific rating or issuer rating maps to a risk weight equal to or higher than the unrated exposures any other un-rated exposure on the same counter-party will be assigned the same risk weight, if the exposure rank pari-passu or junior to the rated exposure in all respects.

(ii) In cases where the borrower-constituent/counter-party has issued a debt (which is not a borrowing from our Bank), the rating given to that debt may be applied to Bank's unrated exposures if the Bank's exposure ranks pari-passu or senior to the specific rated debt in all respects and the maturity of Bank's unrated exposures are not later than maturity of rated debt.

Quantitative Disclosures:The exposure amount after Risk Mitigation subject to Standardised Approach i.e. amount of outstanding (rated and unrated taken together) in different risk-buckets as well as the amount that are deducted, if any:

(` in crores)

y Below 100% Risk Weight 48210.01

y @ 100% Risk Weight 16465.14

y More than 100% Risk weight

15450.83

y Amount Deducted, if any (Credit Risk mitigation)

2887.40

TOTAL 83013.38

DF-5 : CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACH:(a) General Qualitative Disclosures:

(i) Policies and Processes for Collateral Valuation and Management

A Credit Risk Mitigation and Collateral Management Policy, addressing the Bank’s approach towards the credit risk mitigants used for capital calculation is in place. The objective of this Policy is to enable classification and valuation of credit risk mitigants in a manner that allows regulatory capital adjustment to reflect them.

The Policy adopts the Comprehensive Approach, which allows full offset of collateral (after appropriate haircuts) against exposures, by effectively reducing the exposure amount by the value ascribed to the collateral. The following issues are addressed in the Policy:

92

(i) ½.k tksf[ke de djus okys rRoksa dk oxhZdj.k(ii) xzg.kh; ½.k tksf[ke de djus okys rRo(iii) ½.k tksf[ke de djus okys rRoksa dk vko';d izys[khdj.k ,oa dkuwuh izfØ;k(iv) lEik'oZ dk ewY;kadu(v) lEik'oZ dh vfHkj{kk(vi) chek(vii) ½.k tksf[ke de djus okys rRoksa dh fuxjkuh

II lk[k tksf[ke izcU/u rduhd ds eq[; izdkj

Ø- la- xq.kkRed izdVhdj.k fVIi.khi) ik=k foÙkh; lEikf'oZd (i) cSad esa tek jksdM+ (½.knkrk cSad }kjk tkjh tek izek.k&i=k vFkok rqyukRed foys[k]

fLFkj tek jlhnksa lfgr)(ii) cqfy;u ,oa ToSyjh] nksuksa lfgr] lksukA rFkkfi] lEikf'kZ~od ToSyjh dk ewY; 99.99% dh

'kq¼rk ij vkuqekfud ifjorZu (Notionally Convert) djus ij(iii) dsæ ,oa jkT; ljdkjksa }kjk tkjh dh xbZ çfrHkwfr;ka(iv) fdlku fodkl i=k ,oa jk"Vªh; cpr i=k] ftuds fy, dksbZ ykWd&bu&ihfj;M+ ifjpkyu

esa ugha gS rFkk tgka mUgsa èkkfjr vofèk ds vUrxZr Hkquk;k tk ldrk gSA(v) chek dEiuh ds ?kksf"kr leiZ.k ewY; lfgr thou chek ikWfyfl;ka] ftUgsa chek {ks=k

fofu;ked }kjk fofu;fer fd;k tkrk gSA(vi) ekU;rk çkIr lk[k jsfVax ,tsUlh }kjk jsfVax dh xbZ ½.k çfrHkwfr;ka] ftuds ckjs esa cSad dks

mudh ekdsZV rjyrk ds ckjs esa iw.kZ fo'okl gS] tks fd jsfVaxÑr gSµ(v) de ls de chchch (&) tc bUgsa lkoZtfud {ks=k dh dEiuh@laLFkk vkSj vU; dEiuh@

laLFkk }kjk tkjh fd;k tkrk gS (cSadksa ,oa çkbejh Mhyjksa lfgr) vFkok(c) vYikofèk ½.k foys[kksa ds fy, de ls de ihvkj3@ih3@,iQ3@,3(vii) ,slh ½.k çfrHkwfr;ka] ftudh jsfVax ekU;rk çkIr ØsfMV jsfVax ,tsUlh }kjk ugha dh xbZ gS]

;s çfrHkwfr;ka gSa %(v) fdlh cSad }kjk tkjh; ,oe(vk) fdlh ekU;rk çkIr ,Dlpsat esa lwphc¼ ,oa(b) ofj"B ½.k ds :i esa oxhZÑr% ,oa(bZ) tkjhdrkZ cSad ds leku ofj"Brk okys leLr jsfVax fd;s x;s fuxZeksa dh jsfVax de

ls de chchch (&) vFkok ihvkj3@ih3@,iQ3@,3 fdlh pquh gqbZ ØsfMV jsfVax ,tsUlh }kjk; ,oa

(m) ,slh dksbZ lwpuk ugha gS ftlds }kjk bafxr gksrk gks fd fuxZe chchch (&) vFkok ihvkj3@ih3@,iQ3@,3 ls uhps jsfVax fd;k x;k gS (tSlk fd ykxw gks); ,oa

(Å) izfrHkwfr dh foi.ku rjyrk ds ckjs esa cSad dks iw.kZ fo'okl gSA(viii) cSad ds ifjpkyu {ks=k esa izfrHkwfr fofu;ked }kjk fofu;fer E;wpqvy iQ.M~l dh

;wfuV] tgka% y ;wfuV dk ewY; izfrfnu lkoZtfud :i ls m¼r fd;k tkrk gS vFkkZr~ tgka ifCyd

{ks=k esa ,u , oh (NAV) izfrfnu miyC/ gSA y lwphc¼ foys[kksa esa fuos'k gsrq E;wpqvy iQ.Ml lhfer gSA

ii) vkWu&cSysal 'khV uSfVax tgka cSad &

93

(i) Classification of credit risk mitigants(ii) Acceptable credit risk mitigants(iii) Documentation and legal process requirements for credit risk mitigants(iv) Valuation of collateral(v) Custody of collateral(vi) Insurance(vii) Monitoring of credit risk mitigants

(ii) Main types of credit risk management techniques:S.

No.

Qualitative Disclosures

Remarks

i) Eligible financial collaterals

(i) Cash (as well as certificates of deposit or comparable instruments, including fixed deposit receipts, issued by the lending bank) on deposit with the Bank

(ii) Gold including both bullion and jewellery. However, the value of the collateralized jewellery is arrived at after notionally converting these to 99.99% purity.

(iii) Securities issued by Central and State Governments

(iv) Kisan Vikas Patra and National Savings Certificates for which no lock-in period is operational and where they can be encashed within the holding period.

(v) Life insurance policies with a declared surrender value of an insurance company which is regulated by an insurance sector regulator.

(vi) Debt securities rated by a recognized Credit Rating Agency in respect of which the Bank is sufficiently confident about the market liquidity, where these are rateda) at least BBB (-) when issued by public sector entities and by other entities

(including banks and Primary Dealers): orb) at least PR3/P3/F3/A3 for short-term debt instruments.

(vii) Debt securities not rated by a recognized Credit Rating Agency where these are:

a) issued by a bank; andb) listed on a recognized exchange andc) classified as senior debt andd) all rated issues of the issuing bank of the same seniority are rated at least BBB(-)

or PR3/P3/F3/A3 by a chosen Credit Rating Agency: ande) there is no information available that suggests that the issue justifies a rating

below BBB(-) or PR3/P3/F3/A3 (as applicable) andf) Bank is sufficiently confident about the market liquidity of the security.

(viii) Units of Mutual Funds regulated by the securities regulator in the jurisdiction of the Bank's operation, where: y a price for the units is publicly quoted daily i.e., where the daily NAV is available

in public domain and

y the mutual fund is limited to investing in the instruments.

ii) On-balance sheet netting

Where the Bank

94

(v) ds ikl ;g fu"d"kZ ds fy, lqLFkkfir fofèkd vkèkkj gS fd uSfVax vFkok vkiQklSfVax vuqcUèk çR;sd vfèkdkj {ks=k esa çorZuh; gS Hkys gh dkm.Vj ikVhZ dh dksbZ gSfl;r ugha gks ;k og ikVhZ fnokfy;k gks_

(c) mlh ikVhZ ds lkFk ½.kksa@vfxzeksa ,oa tekvksa dks] fdlh Hkh le; fuf'pr djus ds fy, leFkZ gS] tks fd uSfVax vuqcUèk dh 'krZ ij gks_ vkSj

(l) uSV vkèkkj ij mfpr ½.k tksf[keksa dk fuxjkuh ,oa fu;a=k.k gksA

iii) xkj.Vh tgka çR;kHkwfr;ka çR;{k] Li"V] v[k.Muh; ,oa fcuk 'krZ dh gksa rFkk tks Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa esa of.kZr ifjpkyukRed vko';drkvksa dh iwfrZ djrh gksaA

III tekurh dkm.Vj ikVhZ ds eq[; izdkj ,oa mudh ½.k ik=krk%ik=k tekufr;ksa dh J`aa[kyk (izfr&tekurh)(i) lçHkq] lçHkq dEifu;ka@laLFkk,a (chvkbZ,l] vUrjkZ"Vªh; eqæk dks"k] ;wjksfi;u dsæh; cSad ,oa ;wjksfi;u dE;wfuVh ds lkFk&lkFk

Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa esa lUnfHkZr ,eMhch] bZlhthlh ,oa lhthVh,lvkbZ)] cSad ,oa dkm.Vj ikVhZ ds de tksf[ke Hkkj lfgr çkbejh MhylZ_

(ii) vU; dEifu;ka@laLFkk,a ftudh jsfVax ,, (&) vFkok blls csgrj gksA buesa eq[;] vuq"kaxh ,oa lEc¼ dEifu;ksa] ftudk fd nsunkj dh vis{kk de tksf[ke Hkkj gS] ds }kjk miyCèk djk;k x;k xkj.Vh doj] çfrHkw dh jsfVax fdlh dEiuh@laLFkk dh jsfVax dh rjg gksuh pkfg,] tks dEiuh@laLFkk (çR;kHkwfr lfgr) leLr ns;rkvks ,oa opuc¼rkvksa dks iwjk djrh gksaA

(IV) fy;s x;s ç'keu ds vUrxZr tksf[ke ladsæ.k (lk[k vFkok foi.ku) ds ckjs esa lwpuk %

dqy tksf[ke iz'kkedksa (Mitigants) ds varxZr tksf[ke l?kuhdj.k (` djksM+ es)

foÙkh; tksf[ke iz'kked tksf[ke iz'kkedksa dh cdk;k jkf'k (dks"k ,oa xSj dks"k vk/kfjr ,Dlikstj ds fy;s)

tksf[ke l?kuhdj.k (izfr'kr esa)

udn ,oa cSad tek 108.54 3.79

lksuk 3.55 0.12

,y-vkbZ-lh 0.00 0.00

,u-,l-lh@ds-oh-ih@vkbZ-oh-ih- 29.83 1.04

'ks;j ,oa izfrHkwfr;ka 52.06 1.82

lk[k i=k@cSad xkjaVh ij ekftZu 853.86 29.82

izR;kHkwfrnkrk ,oa izfrizR;kHkwfr 0.00 0.00

ljdkjh izfrizR;kHkwfr (jk"Vªh; cpr&i=kksa ds vykok) 0.00 0.00

ikjLifjd fuf/ 0.00 0.00

vU; 1815.81 63.41

dqy ;ksx 2863.65 100.00

uksV%& LVkiQ ½.kksa dks NksM+djifjek.kkRed izdVhdj.k%ekudhÑr n`f"Vdks.k ds vUrxZr izdVhÑr lk[k tksf[ke iksVZiQksfy;ksa ds fy,] dqy ½.k tksf[ke tks fd vkPNkfnr fd;k x;k gS%

y foÙkh; lEik£ ÜÒ (LVkWiQ ½.kksa dks NksM+dj)% # 2863-65 djksM+ vU; ;ksXk foÙkh; lEikf'oZd (gs;jdV~l ds i'pkr) 'kwU;

usfVax ds fcuk] ;fn gs;jdV ykxw u gks

95

a) has a well-founded legal basis for concluding that the netting or offsetting agreement is enforceable in each relevant jurisdiction regardless of whether the counter-party is insolvent or bankrupt:

b) is able at any time to determine the loans/advances and deposits with the same counter-party that are subject to the netting agreement and

c) monitors and controls the relevant exposures on a net basis,

iii) Guarantees Where guarantees are direct, explicit, irrevocable and unconditional and satisfy the operational requirements detailed in the RBI guidelines

(iii) Main types of guarator counter-party and their creditworthiness:Range of eligible guarantors (counter-guarantors):

i) Sovereigns, sovereign entities (including BIS, IMF, European Central Bank and European Community as well as MDBs referred to in RBI guidelines, ECGC and CGTMSE), banks and primary dealers with a lower risk weight than the counter- party:

(II) Other entities rated AA(-) or better. These include guarantee cover provided by parent, subsidiary and affiliate companies that have a lower risk weight than the obligor. The rating of the guarantor should be an entity rating which has factored in all the liabilities and commitments (including guarantees) of the entities.

(iv) Information about (credit or market) risk concentration within the mitigation taken: (` in crores)

Financial Risk Mitigants Outstanding amount of Risk Mitigants (after haircut) (For Fund Based & Non Fund Based Exposures)

Risk Concentration %

Cash & Bank Deposit 108.54 3.79

Gold 3.55 0.12

LIC 0.00 0.00

NSCs, KVP, IVP 29.83 1.04

Shares and Debentures 52.06 1.82

Margin Money for LC / BG 853.86 29.82

Guarrantors & Counter Parties 0.00 0.00

Government Securities Excluding NSC 0.00 0.00

Mutual Funds 0.00 0.00

Others 1815.81 63.41

TOTAL 2863.65 100.00

Quantitative Disclosures:For the disclosed credit risk portfolio under the standardized approach, the total exposure that is covered by:

(` in crores)Eligible Financial Collateral (excl. staff loans) : 2863.65

Other eligible Collateral (after Haircuts @) : 0@ If haircuts are not applicable, this need not be netted off

96

Mh,iQ & 6% izfrHkwfrdj.k% ekudhÑr n`f"Vdks.k gsrq

xq.kkRed izdVhdj.k(d) izfrHkwfrdj.k ds laca/ esa lkekU; xq.kkRed izdVhdj.k ftlesa fuEufyf[kr dh

ppkZ gks %cSad ds ikl izfrHkwfrdj.k ,Dlikstj ugha gSA

y çfrHkwfrdj.k xfrfofèk ds lacaèk esa cSad dk mís';] fdl gn rd ;s xfrfofèk;ksa vèkkjHkwr çfrHkwfrÑr ,DLikstj ds ½.k tksfde dks cSad ls nwljh laLFkkvks dks varfjr djrh gSA

1. lEikf'kZ~od dk;Zfofèk ds lEcUèk esa cSad dk /;s; gS dh fyojst vuqikr] vkfLr fu"iknu ,oa xq.kWoÙkk esa lqèkkj ds lkFk lkFk bfPNr fuos'k o fo"ks 'krvksa dks çkIr djuk gSA

2. ,lihoh (SPV) esa vkfLrvksa ds LFkkukarj.k ds le; foØ; ij gksus okfy gkfu dks cSad }kjk 'kq#okr esa gh ekU;rk nh tkrh gSA

3. lEikf'kZ~od vkfLrvksa ds foØ; ij ykHk dks ,lihHkh }kjk tkjh fd;s x;s ^^ikl Fkzw lfVZfiQdsV** dh vofèk ds fy;s veksfVZbZt fd;k tkrk gSA

y izfrHkwfrÑr vkfLr;ksa esa fufgr vU; tksf[ke (mnkgj.k ds fy, pyfuf/ tksf[ke izÑfr) ykxw ugha y çfrHkwfrdj.k çfØ;k esa cSad dh fofHkUu (mnkgj.k ds fy;s çorZd] fuos'kd] lsok çnkrk] ½.k lEoèkZu çnkrk] py fufèk çnkrk] Loki çnkrk] @lqj{kk çnkrk #) rFkk çR;sd Hkwfedk esa cSad fdl gn rd 'kkfey gSA

ykxw ugha

y @ izfrHkwfrdj.k ,Dlikstj ds ½.k vkSj cktkj tksf[ke esa ifjorZu dh fuxjkuh djus ds fy;s LFkkfir iz.kkyh dk o.kZu (mnkgj.k ds fy;s] vk/kjHkwr vkfLr;ksa dk mrkj p<+ko fdl izdkj izfrHkwfrdj.k ,Dlikstj dks izHkkfor djrk gS] tSlk fd ckly III iwath fofu;ekoyh ds iSjk 5-16-1 esa ifjHkkf"kr fd;k x;k gS)

y #izfrHkwfrdj.k ,DLikstj ds ekè;e ls /kfjr tksf[ke dks de djus ds fy, ½.k de djus okys rRoksa ds iz;ksx ls lEcfU/r cSad dh uhfr dk o.kZu y ;fn fofu;ked fu;eksa ds varxZr vuqefr nh x;h gks rks dksbZ cSad C;kt nj@eqnzk tksf[ke dks de djus ds fy;s C;kt nj Loki ;k eqnzk Loki ds :i esa izfrHkwfrdj.k lajpuk dks leFkZu ns ldrk gSA

ykxw ugha

y ;fn fofu;ked fu;eksa ds varxZr vuqefr nh x;h gks rks dksbZ cSad C;kt nj@ eqæk tksf[ke dks de djus ds fy;s C;kt nj Loki ;k eqæk Loki ds :i esa çfrHkwfrdj.k lajpuk dks leFkZu ns ldrk gSA

ykxw ugha

([k) izfrHkwfrdj.k xfrfof/;ksa ds fy, cSad dh ys[kkadu uhfr;ka dk la{ksi] ftuesa fuEufyf[kr lwpuk Hkh gks%D;k ysunsu fcØh gS ;k foÙkiks"k.k ykxw ughaèkkfjr ;k [kjhnh x;h fLrFk;ksa ds eqY;kadu esa ç;qDr fofèk vkSj eq[; voèkkj.kk,a (baiqV lfgr) ykxw ugha

fiNyh vo/h dh rqyuk esa fofèk;ksa vkSj eq[; voèkkj.kkvksa esa ifjorZu vkSj mu ifjorZuksa dk çHkko

ykxw ugha

;fn fdlh O;oLFkk ds varxZr çfrfrHkwÑr vkfLr;ksa dks foÙkh; leFkZu nsus dh cSad ls vis{kk dh tkrh gS rks rqyu i=k esa ns;rk esa mls n'kkZus lEcUèkh uhfr

ykxw ugha

(x) cSafdx cgh esa çfrHkwfrdj.k ds fy;s ç;qDr bZlh,vkbZ ds uke rFkk çfrHkwfrdj.k ,DLikstj ds çdkj ftuds fy;s çR;sd ,tsalh dh lgk;rk yh tkrh gSA

'kwU;

97

DF-6 : SECURITISATION: DISCLOSURE FOR STANDARDISED APPROACH QUALITATIVE DISCLOSURES(a) The general qualitative disclosure requirement with respect to securitisation

including a discussion of:The Bank does not have securitisation exposure

y the bank's objectives in relation to securitisation activity, including the extent to which these activities transfer credit risk of the underlying securitised exposures away from the bank to other entities.

1. Bank's objective in relation to Securitisation activity is to achieve improvements on leverage ratios, asset performance & quality and to achieve desirable investment & maturity characteristics.

2. Loss on sale of transfer of assets to Special Purpose Vehicle (SPV) shall be recognised upfront by the Bank.

3. Bank shall amortize the profit on sale of the securitised assets over the life of the Pass Through Certificates (PTC) assets issued or to be issued by SPV.

y the nature of other risks (e.g. liquidity risk) inherent in securitised assets NA

y the various roles played by the bank in the securitisation process (For example: originator, investor, servicer, provider of credit enhancement, liquidity provider, swap provider@, protection provider#) and an indication of the extent of the bank’s involvement in each of them;

NA

@ A bank may have provided support to a securitisation structure in the form of an interest rate swap or currency swap to mitigate the interest rate/currency risk of the underlying assets, if permitted as per regulatory rules.

# A bank may provide credit protection to a securitisation transaction through guarantees, credit derivatives or any other similar product, if permitted as per regulatory rules.

y a description of the processes in place to monitor changes in the credit and market risk of securitisation exposures (for example, how the behaviour of the underlying assets impacts securitisation exposures as defined in para 5.16.1 of Basel III Capital Regulation ).

y a description of the bank’s policy governing the use of credit risk mitigation to mitigate the risks retained through securitisation exposures;

NA

(b) Summary of the bank’s accounting policies for securitisation activities, including:

y whether the transactions are treated as sales or financings; NA

y methods and key assumptions (including inputs) applied in valuing positions retained or purchased

NA

y changes in methods and key assumptions from the previous period and impact of the changes;

NA

y policies for recognising liabilities on the balance sheet for arrangements that could require the bank to provide financial support for securitised assets.

NA

(c) In the banking book, the names of ECAIs used for securitisations and the types of securitisation exposure for which each agency is used.

NA

98

ifjek.kkRed izdVhdj.k % cSafdx cgh(?k) cSad }kjk izfrHkwfrd`r ,Dliktj dh dqy jkf'k 'kwU;(M-) ,DLikstj ds çdkj ds vuqlkj (mèkkj.k ds fy;s ØsfMV dkMZ] vkokl ½.k] okg~u

½.k vkfn vkèkkjHkwr çfrHkwfr ds C;ksjs lfgr ½orZeku vofèk ds nkSjku cSad }kjk ekU; çfrHkwfrÑr gkfu ,DLikstj ds fy;ss

'kwU;

(p) ,d o"kZ ds Hkhrj izfrHkwfrÑr dh tkus okyh vkfLr;ksa dh jkf'k 'kwU;(N) (p) esa ls izfrHkwfrdj.k ds igys ,d o"kZ ds Hkhrj vksfjftusV gksus okyh vfLr;ksa

dh jkf'k'kwU;

(>) çfrHkwfrÑr ,DLikstj (,DLikstj ds çdkj ds vuqlkj) dh dqy jkf'k rFkk ,DLikstj ds çdkj ds vuqlkj ykHk gkfu ftls ugha n'kkZ;k x;k gSA

'kwU;

fuEufyf[kr dh dqy jkf'k%

y èkkfjr ;k [kjhnk x;k rqyu i=k çfrHkwfrdj.k ,DLikstj] tks ,DLikstj ds çdkj ds vuqlkj oxhZÑr~ gks] rFkk

y ,DLikstj ds çdkj ds vuqlkj oxhZÑr rqyui=ksrj çfrHkwfrdj.k ,DLikstj

'kwU;

'kwU;

(×k) i. èkkfjr vFkok [kjhns x;s çfrHkwfrdj.k ,DLikstj fd dqy jkf'k rFkk mlls tqM+k iwath çHkkj] ftldk ,DLikstj ds vuqlkj oxhZdj.k fd;k x;k gks vkSj çR;sd fofu;ked iwath fofèk ds fy;s fofHkUu tksf[ke Hkkj ckSaMks esa Hkh oxhZdj.k fd;k x;k gksA

ii. Vh;j 1 iwath ls ,DLikstj] dqy iwath ls ?kVk;s x;s ½.k lEo/kZd vkb@vks rFkk dqy iwath ls ?kVk;s x;s vU; ,DLikstj (,DLikstj ds çdkj ds vuqlkj)

'kwU;

ek=kkRed izdVhdj.k% VªsfMax cgh

(V) cSad }kjk çfrHkwfrÑr ,DLikstj dh dqy jkf'k ftlds fy;s cSad us dqN ,DLikstj èkkfjr fd;k gS vkSj tks cktkj tksf[ke fofèk ds vèkhu gS&,DLikstj ds çdkj ds vuqlkj fooj.k

'kwU;

(B) fuEufyf[kr dh dqy jkf'k%

y èkkfjr ;k [kjhnk x;k rqyui=k çfrHkwfrdj.k ,DLikstj] tks ,DLikstj ds çdkj ds vuqlkj oxhZÑr~ gks] rFkk

'kwU;

y ,DLikstj ds çdkj ds vuqlkj oxhZÑr~ rqyui=ksrj fuEufyf[kr ,DLikstj 'kwU;(M) fuEufyf[kr ds fy;s vyx&vyx èkkfjr ;k [kjhns x;s çfrHkwfrdj.k ,DLikstj

dh dqy jkf'k%

y èkkfjr ;k [kjhns x;s çfrHkwfrdj.k ,DLikstj tks fofufnZ"V tksf[ke ds fy;s lexz tksf[ke eki ds v/khu gS] vkSj

y çfrHkwfrdj.k ,DLikstj tks fofufnZ"V tksf[ke ds fy;s çfrHkwfrdj.k iszQeodZ ds vèkhu gS vkSj ftUgsa fofHkUu tksf[ke Hkkj ckSaMks esa oxhZÑr fd;k x;k gSA

'kwU;

(<-) fuEufyf[kr dh dqy jkf'k%

y mu izfrHkwfrdj.k ,Dlikstj ds fy, iwath vis{kk] tks izfrHkwfrdj.k ÚseodZ ds v/hu gS vkSj ftUgsa fofHkUu tksf[ke Hkkj ckaMks esa oxhZÑr fd;k x;k gSA

y çfrHkwfrdj.k ,DLikstj ftUgsa iwjh rjg Vh;j 1 iwath ls ?kVk;k x;k gS] dqy iwath ls ?kVk;s x;s ½.k lEoèkZd vkbZ@vks rFkk dqy iwath ls ?kVk;s x;s vU; ,DLikstj (,DLikstj ds çdkj ds vuqlkj)

'kwU;

99

Quantitative Disclosures: Banking Book

(d) The total amount of exposures securitised by the bank. NIL

(e)For exposures securitised losses recognised by the bank during the current period broken by the exposure type (e.g. Credit cards, housing loans, auto loans etc. detailed by underlying security)

NIL

(f) Amount of assets intended to be securitised within a year NIL

(g) Of (f), amount of assets originated within a year before securitisation. NIL

(h)The total amount of exposures securitised (by exposure type) and unrecognised gain or losses on sale by exposure type.. NIL

(i) Aggregate amount of: NIL

y on-balance sheet securitisation exposures retained or purchased broken down by exposure type and NIL

y off-balance sheet securitisation exposures broken down by exposure type NIL

(j)

Aggregate amount of securitisation exposures retained or purchased and the associated capital charges, broken down between exposures and further broken down into different risk weight bands for each regulatory capital approach

NIL

Exposures that have been deducted entirely from Tier 1 capital, credit enhancing I/Os deducted from total capital, and other exposures deducted from total capital (by exposure type).

NIL

Quantitative Disclosures: Trading Book

(k) Aggregate amount of exposures securitised by the bank for which the bank has retained some exposures and which is subject to the market risk approach, by exposure type.

NIL

(l) Aggregate amount of: NIL

y on-balance sheet securitisation exposures retained or purchased broken down by exposure type; and NIL

y Off-balance sheet securitisation exposures broken down by exposure type. NIL

(m) Aggregate amount of securitisation exposures retained or purchased separately for: NIL

y securitisation exposures retained or purchased subject to Comprehensive Risk Measure for specific risk; and NIL

y securitisation exposures subject to the securitisation framework for specific risk broken down into different risk weight bands. NIL

(n) Aggregate amount of: NIL

y The capital requirements for the securitisation exposures, subject to the securitisation framework broken down into different risk weight bands.

NIL

y securitisation exposures that are deducted entirely from Tier 1 capital, credit enhancing I/Os deducted from total capital, and other exposures deducted from total capital(by exposure type).

NIL

100

Mh,iQ & 7% VªsfMax cgh esa cktkj tksf[kexq.kkRed izdVhdj.k%

y ekudhÑr vof/ n`f"Vdks.k }kjk vk/kfjr cktkj tksf[ke x.kuk gsrq fuEu iksVZiQksfy;ksa fy, x, gS

y Ø;&foØ; ds fy, /kfjr ,oa foØ; ds fy, miyC/ Jsf.k;ksa dh izfrHkwfr;ka

y Ø;&foØ; /kfjr ,oa foØ; ds fy, miyC/ Jsf.k;ksa dh izfrHkwfr;ka dh gsftax gsrq fd, x, MsfjosfVo o VsªfMax gsrq fd, x, MsfjosfVo

y cksMZ }kjk vuqeksfnr Ø;&foØ; fufr;ka] fuos'k uhfr] fofHkUu vkfLr oxks± ds fy, ifjHkkf"kr cktkj tksf[ke çcaèku {ks=kksa lfgr cktkj tksf[ke çcaèku fufr cuh gq;h gSA

y dks"k ifjpkyu es tksf[ke dh igpku] fuèkkZj.k] fuxjkuh ,oa çfrosnu dh ftEesnkjh cktkj tksf[ke çcaèku foHkkx o feM&vkfiQl dh gSA

y tksf[ke çcaèku] fufnZ"V varjkyksa ij mPp çcaèku oxZ] cksMZ dh cktkj tksf[ke çcaèku lfefr ,oa tksf[ke çcaèku lfefr dks oLrq&fLFkfr ls voxr djkrs gq, ,d fujarj pyus okyh çfØ;k gSA

y ,,iQ,l çfrHkwfr;ksa vFkok VªsfMax ds fy, dksbZ Hkh fMjkbosfVo ugha fd;s x;s gSaA

y tksf[ke çcaèku ,oa fjiksfV±x fuEu iSekuksa ;Fkk AAA la'kksfèkr vofèk] ihoh 01] ½.k tksf[ke ,oa vUrj lhekvksa] oh,vkj (VaR) vkfn ij vkèkkfjr gSaA

y ØkWl djsalh VªsfMax ds lEcUèk esa fons'kh fofue; dh [kqyh iksth'ku lhek,a (MsykbV@vksojukbV)] O;ogkj&okj] dV&ykWl lhek,a] LVkWi ykWl lhek,a] ykHk@gkfu dh leqfpr :i ls fuxjkuh dh tkrh gS rFkk viokn lwpuk,a (Exception Reports) fu;fer vkèkkj ij ns[kh tkrh gSA

ifjek.kkRed izdVhdj.k%

ekudhÑr vof/ n`f"Vdks.k ds vUrxZr foi.ku tksf[ke gsrq iwath dh vko';drk (9-625% dh nj ls)%

(` djksM+ esa)

C;kt nj tksf[ke 96.62

bZfDoVh iksth'ku tksf[ke 153.39

fons'kh fofue; tksf[ke 3.03

;ksx (cktkj tksf[ke) 253.04

Mh,iQ & 8% ifjpkyukRed tksf[kexq.kkRed izdVhdj.k %&

v- cSad dh ifjpkyu tksf[ke izca/u dh lajpuk ,oa laxBu

cSad dh ifjpkyu tksf[ke çcaèku] ,dhÑr tksf[ke xos±l ds Hkkx (vax) ds :i esa dk;Zjr gS tks dh eq[; tksf[ke vfèkdkjh ds vèkhu u gSaA

c- ifjpkyu tksf[ke dks fu;af=kr ,oa de djus gsrq uhfrA

uhfr;ka] eSuqvy ,oa lajpuk fuEukuqlkj gS%&

101

DF-7 : MARKET RISK IN TRADING BOOKQualitative Disclosures:

y The following portfolios are covered by the Standardised Duration approach for calculation of Market Risk:

(i) Securities held under the Held for Trading (HFT) and Available for Sale (AFS) categories.

(ii) Derivatives entered into for hedging HFT & AFS securities and Derivatives entered into for Trading.

y Board approved Trading Policies, Investment Policy, Market Risk Management Policy with defined market risk management parameters for various asset classes are in place.

y Market Risk Management Department and Mid-Office are responsible for identification, assessment, monitoring and reporting of market risk in treasury operations.

y Risk monitoring is an on-going process with the position reported to the top management, Market Risk Management Committee and Risk Management Committee of the Board at stipulated intervals.

y No Derivatives have been entered into for AFS securities or Trading.

y Risk management and reporting is based on parameters such as Modified Duration, PV01, Exposure, Gap Limits, VaR, etc.,

y Forex Open Position limits (Daylight / Overnight), deal-wise cut-loss limits stop-loss limit, Profit / Loss in respect of cross currency trading are properly monitored and exception reporting is regularly carried out.

Quantitative Disclosures:Capital Requirement for Market Risk under Standardised Duration Approach (@ 9.625%):

(` in crores)

Interest Rate Risk 96.62

Equity Position Risk 153.39

Forex open position 3.03

Total for market risk 253.04

DF-8 : OPERATIONAL RISK

Qalitative Disclosures:

A. The structure and organization of Operational Risk Management function

The Operational Risk Management Department is functioning as part of the Integrated Risk

Governance Structure under the control of Chief Risk Officer.

B. Policies for control and mitigation of Operational Risk:

102

uhfr;ka y ifjpkyu tksf[ke izca/u uhfr y O;olk; lrr uhfr (ch-lh-ih) y gkfu vkadM+k izca/u uhfr y ds-okbZ-lh- ekud ,oa , ,e ,y ekid uhfr y /ks[kk/M+h tksf[ke izca/u uhfr y cká lzksr uhfr y ncko ijh{k.k uhfr

eSU;qvy ,oa lajpuk y ifjpkyu tksf[ke izca/u eSU;qvy y gkfu vkadMk eSU;qvy y O;olk; lrr ;kstuk (chlhih) eSU;qvy y ifjn`'; fo'kys"k.k lajpuk y vfHklj.k gsrq vkarfjd vad{ks.k lajpuk y iwath fu/kZj.k lajpuk

;kstuk,a ,oa izfØ;ka

y ^^cSad dh funsZ'k iqfLrdk** (lkekU; funsZ'k eSU;qoy ½.k ,oa vfxze eSU;qoy) ftlesa foLr`r :i ls cSafdx ysu&nsu lacafèkr fn'kk funsZ'k fn, x;s gSaA bu fn'kk funsZ'kksa esa la'kks/ku ,oa lqèkkj fu;fer rkSj ij bZ&ifji=k ,oa çf'k{k.k dk;ZØe }kjk fd;k tkrk gSA

y O;olk; çfØ;k vfHk;kaf=kdh ls lacafèkr eSU;qoy ,oa ifjpkyu funsZ'k foÙkh; 'kfDr;ksa dk çR;k;kstu ftlesa fofHkUu Lrj ij vfèkdkfj;ksa ds fofHkUu foÙkh; ,oa vfoÙkh; ysUk&nsu lacafèkr foLr`r laLohÑfr 'kfDr dh tkudkjh nh x;h gSA

y ifjpkyu tksf[ke ls gksus okyh gkfu dks mUur tksf[ke çcaèku cukus ds fy, ewy dkj.k fo'ys{k.k ds lkFk&lkFk O;kid vkèkkjHkwr vkadMk cukus dh çfØ;k 'kq: dh x;h gSA

y tksf[ke çcaèku dks csgrj cukus ds fy, 'kk[kkvksa }kjk utnhdh =kqfV;k (Near Misses) ds lkFk&lkFk ,d ,Dlsy vkèkkfjr VsEiysV }kjk gkfu laxzg.k cukus dh çfØ;k fodflr dh x;h gSA

y LVkiQ çf'k{k.k & ifjpkyu tksf[ke ds fufo"V dks çf'k{k.k dk;ZØe esa lEefyr fd;k x;k gSA y lHkh laHkkO; ifjpkyu tksf[ke (èkks[kk/M+h dks NksM+dj) gsrq chek dop çkIr fd;k x;k gSA y fu;a=k.k çfØ;k ds ijh{k.k ,oa i;kZIrrk dk ewY;kadu djus gsrq vkarfjd vads{k.k ftEesnkj gSA fofèkd ,oa fofu;ked

vko';drk,a dks cuk, j[kus] vkpj.k lafgrk (Code of Conduct) uhfr;ka ,oa çfØ;k,a dks ykxw djus ds fy, muds }kjk fuorZeku ç.kkyh dh leh{kk dh tkrh gSA

y tksf[ke ,oa fu;a=k.k Lo;a vkadyu vH;kl fofHkUu O;olk;ksa@bdkb;ksa esa dk;Z f'kfojksa }kjk fd;k tk jgk gSA igpku fd, x, eq[; (vfr) tksf[ke dks vks-vkj-,e-lh- ds le{k çLrqr fd;k tk;sxk ,oa mls eq[; tksf[ke ladsrd dks vafre :i nsus ,oa Scenarios cukus esa mls fufo"V ds :i esa ç;ksx esa yk;k tk,xkA

y cSad us eq[; tksf[ke ladsrd dh igpku dh gS ,oa bu ladsrdksa dk vkadyu dj jgh gS tks fu;fer ekudksa ls Åij gSaA y cSad esa ifjpkyu tksf[ke çcaèku okrkoj.k dks liQyrkiwoZd cukus ds fy, vapy Lrj ij tksf[ke çcaèku desVh ds lkFk&lkFk

çèkku dk;kZy; esa ifjpkyu tksf[ke çcaèku desVh dk xBu fd;k x;k gSA y u;s mRikn ds tkap ds fy, mRikn desVh ,oa cká L=kksr tkap desVh (lfefr) cuh gqbZ gSA y vkink ds i'pkr O;olk; lrrk] iqujkjaHk ,oa ladViw.kZ O;olk; çfØ;k ls mcjus ds fy, cSad ds ikl O;olk; lrr

çcaèku gSA y cSad esa cklsy&II ds vuq:i ifjpkyu tksf[ke çcaèkd lajpuk (vks vkj ,e ,iQ) gS ,oa cSad us mUur eki n``f"Vdks.k esa

çoklu gsrq vkj-ch-vkbZ (RBI) dks foÙkh; o"kZ 2014 esa vkosnu fn;kA

103

Policies y Operational Risk Management Policy y Business Continuity Policy (BCP) y Loss Data management Policy y KYC Standards and AML measures Policy y Policy on Fraud Risk Management y Outsourcing Policy y Stress testing Policy for Operational Risk

Manuals and Frameworks y Operational Risk Management manual y Loss Data Manual y Business Continuity Plan (BCP) Manual y Scenario Analysis framework y Internal Audit Framework for convergence y Capital Computation Framework

C. Strategies and ProcessesThe following measures are being used to control and mitigate Operational risk: y “Book of Instructions (i.e. Manual on General Instructions, Manual on Loans &Advances) which contains

detailed procedural guidelines for processing various banking transactions. Amendments and modifications to update these guidelines are being carried out regularly through e- Circulars, training programs, etc.

y Manuals and operating instructions relating to Business Process Re-engineering (BPR) Units.

y Delegation of Financial powers, which gives details sanctioning powers to various levels of officials for different types of financial and non- financial transactions.

y The process of building a comprehensive database of losses due to Operational Risks in addition to root cause analysis has been initiated, to facilitate better risk management.

y An excel based template for collecting loss data, including Near Misses, from branches has been developed to facilitate better risk management.

y Training of Staff –Inputs on Operational Risk are included as a part of the trainings programmes.

y Insurance cover is obtained for most of the potential operational risks excluding frauds.

y Internal Auditors are responsible for the examination and evaluation of the adequacy and effectiveness of the control systems and the functioning of specific control procedures. They also conduct review of the existing systems to ensure compliance with legal and regulatory requirements, code of conduct and the implementation of policies and procedures.

y Risk and Control Self Assessment (RCSA) exercise is being conducted at the various Business units through workshops. The Top risks identified are placed before ORMC and used as inputs for finalizing Key Risk Indicators (KRIs) and building Scenarios.

y The bank has finalized the Key Risk Indicators and is monitoring the Indicators where the levels are above the threshold.

y In order to successfully embed the operational Risk management culture across the Bank, Risk Management Committee have been constituted at the Zonal Level in addition to the Operational Risk Management Committee (ORMC) at the head office.

y Overall product Committee for vetting of new products and Outsourcing Vetting Committee are also in place.

y In order to ensure business continuity, resumption and recovery of critical business process after a disaster, the Bank has Business continuity Management in place.

y The Bank has in place the Operational Risk Management Framework (ORMF) as required under Basel II and applied for migration to Advanced Measurement Approach AMA) to RBI in FY14.

104

n- tksf[ke lwpuk ,oa ekiu iz.kkyh dh laHkkouk ,oa Lo:i y /ks[kk/M+h dh lwpuk dh rRdky izLrqrhdj.k dh iz.kkyh ekStwn gSA

y O;kid :i ls lrdZrk fuokjd iz.kkyh LFkkfir gSA

y mfYyf[kr :i ls n'kkZ;s x, tksf[ke dks 'kh"kZ izca/u ds le{k izLrqr fd;k tkrk gS ,oa O;olk; bdkbZ ,oa tsM vkj ,e lh ds eè; bls lwfpr fd;k tkrk gS (vknku&iznku fd;k tkrk gS) rkfd tehuh Lrj ij tkudkjh c<+sA

y ifjpkyu tksf[ke esa lk/kj.k eki n`f"Vdks.k ds varxZr iw.kZ rhu o"kZ ds ldy vk; ij 15% iwath izHkkj gSA

ifjek.kkRed izdVhdj.k%ifjpkyukRed tksf[ke ij iawth izHkkj % `638-66 djksM+

U;wure (fofu;ked iwath vko';drk ds vuqlkj)

Mh,iQ & 9% cSafdax cgh esa C;kt nj tksf[ke (IRRBB)

xq.kkRed izdVhdj.k% y ikjEifjd vUrj fo'ys"k.k i¼fr dk ç;ksx djrs gq,] Hkkjrh; fjtoZ cSad ds vkfLr ,oa ns;rk çcUèku fn'kk&funsZ'kksa ds vuqlkj]

vk;&tksf[ke dk fuèkkZj.k fd;k tkrk gSA

y Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuqlkj] vofèk vUrj fo'ys"k.k i¼fr] lexz cSysal 'khV dks ysrs gq, bZfDoVh ds cktkj ewY; ij C;kt njksa esa ifjorZu ds çHkko dk ekiu fd;k tkrk gSA

y bZfDoVh ds cktkj ewY; dk fuèkkZj.k] vofèk vUrj fo'ys"k.k dk ç;ksx djrs gq, Hkh fd;k tkrk gS] ftlesa lqijokbtjh fjO;w çfØ;k ij Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kksa ds vuqlkj dsoy cSafdax cgh ½.k tksf[keksa dks ifjdfyr fd;k tkrk gSA (csly&II <kaps dk fiyj&II)

O;kogkfjd vè;;uksa ij vk/kfjr izeq[k iwokZuqeku% v) cpr cSad [kkrk % ,slh tekvksa ds 100% dks C;kt lfgr ekuk x;kA

c) lkof/ tek,a % var% LFkkfir fodYi ds dkj.k ,slh tekvksa dk 2-00%] le; ls iwoZ HkqxrkuA

l) pkyw tek,a % Hkkjrh; fjt+oZ cSad ds n'kk&funsZ'kksa ds vuqlkj vkbZ-vkj-vkj- mís'; ds fy, nj laosnu'khyrk ds :i esa fy;k x;kA

n) fe;knh ½.k % dqy fe;knh ½.kksa dk 3%] le; ls iwoZHkqxrkuA

105

D. The scope and nature of Risk Reporting and Measurement Systems y A system of prompt submission of reports on Frauds is in place.

y A comprehensive system of preventive vigilance has been established.

y Significant risk thrown up are reported to the Top management and shared with Business units and ZRMC (Zonal Risk Management Committee) so as to increase the awareness at the grass root level.

y Basic Indicator Approach with a Capital charge of 15% of gross income for previous 3 years applied for Operational Risk.

Quantitative Disclosures:Capital Charge on Operational Risk : ` 638.66 crores

(As per minimum regulatory capital requirement)

DF-9 : INTEREST RATE RISK IN BANKING BOOK (IRRBB)Qualitative Disclosures:

y Earning at Risk (EaR) is measured as per ALM guidelines of RBI using Traditional Gap Analysis method.

y Impact of change in Interest Rates on Market Value of Equity (MVE) is measured using Duration Gap Analysis method, taking whole Balance Sheet, as per RBI guidelines.

y MVE is also measured using Duration Gap Analysis method, taking only Banking Book exposures into account as per RBI guidelines on Supervisory Review Process (Pillar-II of Basel-III framework).

Key Assumptions used based on behavioral studies:a) Saving Bank deposits : 100% of such deposits treated as non-interest bearing

b) Term deposits : 2% of such deposits prepaid due to embedded option

c) Current deposits : taken as rate sensitive for IRR purpose as per RBI guidelines

d) Term Loans : pre-payment @ 3% of total term loans

106

ifjek.kkRed izdVhdj.k%

(i) fuoy C;kt varj esa ifjorZu%

gekjh vkfLr;ksa@ns;rkvksa ds orZeku Lrj ij] ,uvkbZvkbZ esa # 189-28 djksM+ dh o`f¼@deh dh lEHkkouk gS] vxj C;kt nj esa 1% ds Åij@uhps dh rjiQ dksbZ pyu gksrk gS (vkfLr;ksa ,oa ns;rkvksa ij lekukUrj C;kt nj ifjorZu dk vuqeku yxkrs gq, cpr cSad nj tks 4-00% ij fLFkj jgh] dks NksM+dj)A

(ii) bZfDoVh ds cktkj ewY; (MVE) esa ifjorZu%

y lEiw.kZ rqyu&i=k ij fopkj djrs gq, bZfDoVh ds cktkj ewY; esa `107-68 djksM+ dh o`f¼@deh gksxh] vxj C;kt nj esa 2% ds Åij@uhps dk pyu gksrk gSA

y dsoy cSafdax cgh ½.k tksf[keksa ij fopkj djrs gq, bZfDoVh ds cktkj ewY; esa `495-26 djksM+ dh o`f¼@deh gksxh] vxj C;kt nj esa 2% ds Åij@uhps dk pyu gksrk gSA

Mh,iQ & 10

izfri{kdkj ½.k tksf[ke ls lEcfU/r ,Dlikstjksa ds fy, lkekU; izdVhdj.k

MsjhosVho lafonk ij gksus okys ,DLikstj lhbZ,e fofèk }kjk fudkyk tkrk gS] ftlesa 2% laHkkO; ewy dks iksVsaf'k;y Ý;qpj ,oa èkukRed ,eVh,e ds :i es fy;k tkrk gS] ;fn og djsaV ,DLikstj esa fy;k x;k gksA vkjchvkbZ ds fn'kk funsZ'kkuqlkj] çfri{k dkjdksa ds fo#¼] ml çdkj ds lfEonk ds varxZr lk[k rqY; vFkok ,DLikstj ih,iQbZ ,oae lhbZ dks tksM+dj çkIr fd;k tkrk gSA

(`djksM+ esa)

,eVh,e ewY; pkyw lk[k ,Dlikstj

eqnzk LokWi 0.00 0.00

iQksoZM nj lfEonk 0.00 0.00

djsalh Ý;qpj 0.00 0.00

dSi@Ýyksj 0.00 0.00

vkWI'ku 0.00 0.00

fons'kh fofue; lfEonk 41265.91 423.90

lk[k MhiQkYV Loki&[kjhn dop 0.00 0.00

lk[k MhiQkYV Loki&fcØh dop 0.00 0.00

dqy ;ksx 41265.91 423.90

Mh,iQ&11 (`djksM+ esa)

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

lkekU; bZfDoVh fV;j 1 iwath % fy[kr vkSj vkjf{kr fuf/;ka

1 lh/s tkjh dh x;h vgZrk izkIr lkekU; 'ks;j iwath vkSj lacaf/r LVkWd vf/'ks"k ('ks;j izhfe;e)

936.64 (d$?k)

2 izfr/kfjr vk; 0.00

3 lafpr vU; O;kid vk; (vkSj vU; vkjf{kr fuf/;ka) 5800.82 ([k$x$M+$p)

107

Quantitative Disclosures:(i) Change in NII At the present level of our assets/ liabilities, NII is likely to increase / decrease by `189.28 Cr with

upward / downward movement in rate by 1% (assuming parallel rate change on assets and liabilities except Savings Bank rate that will remain at 4.0%).

(ii) Change in MVE y Taking the whole Balance Sheet, MVE will increase / decrease by `107.68 Cr. if there is an

upward/ downward movement in interest rate by 2%. y Taking only Banking Book exposures into account, MVE will increase / decrease by `495.26 Cr.

If there is an upward / downward movement in interest rate by 2% using duration gap analysis.

DF-10 : General Disclosure for Exposures Related to Counterparty Credit Risk

Qualitative Disclosures:

The exposure on account of entering into such derivative contracts is arrived at through CEM method wherein 2% of the notional principal is taken as Potential Future Exposure and Positive MTM, if any, is taken as Current exposure. The credit equivalent or the exposure against the counterparty as per RBI guidelines, on account of such contracts, is derived by adding the PFE and CE

Quantitative Disclosures:(`in Crores)

MTM Value Current Credit Exposure

Currency Swaps 0.00 0.00

Forward Rate Agreement 0.00 0.00

Currency Futures 0.00 0.00

Caps / Floors 0.00 0.00

Options 0.00 0.00

Foreign Exchange Contract 41265.91 423.90

Credit Default Swaps-Sell protection 0.00 0.00

Credit Default Swaps-Buy protection 0.00 0.00

Total 41265.91 423.90

DF-11 (`in Crores)

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

Common Equity Tier 1 capital: instruments and reserves

1 Directly issued qualifying common share capital plus related stock surplus (share premium)

936.64 A+D

2 Retained earnings 0.00

3 Accumulated other comprehensive income (and other reserves)

5800.82 B+C+E+F

108

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

4 lhbZVh 1 ls /hjs&/hjs lekIr gksus ds v/hu lh/s tkjh dh x;h iwath (dsoy xSj&la;qÙkQ LVkWd daifu;ksa ds fy, ykxw)

0.00

lkoZtfud {ks=k }kjk iwath Mkyus dks 1 tuojh 2018 rd iqjus fu;e ds vuqlkj ekU; djuk (xzkaMiQknMZ)

0.00

5 lgk;d bdkb;ksa }kjk tkjh dh x;h vkSj rhljs i{k (lhbZVh 1 lewg esa vuqer jkf'k) }kjk /kfjr lkekU; 'ks;j iwath

0.00

6 fofu;ked lek;kstuksa ls igys lkekU; bZfDoVh fV;j 1 iwath 6737.46

lkekU; bZfDoVh fV;j 1 iwath % fofu;ked lek;kstu

7 foosdiw.kZ ewY;kadu lek;kstu 0.00

8 xqMfoy (lacaf/r dj ns;rk dk fuoy) 0.00

9 ekWVZxst&lfoZflax vf/dkj ds vykok vewrZ vkfLr;ka (lacaf/r dj ns;rk dk fuoy)

0.00

10 vkLFkfxr dj lafiÙk 0.00

11 udnh&izokg cpko fjt+oZ 0.00

12 visf{kr gkfu ds fy, izko/kuksa dh deh 102.94

13 foØ; ij izfrHkwfrdj.k ykHk 0.00

14 mfpr ewY; ns;rkvksa ij futh ½.k tksf[ke esa ifjorZu ds dkj.k ykHk vkSj gkfu

0.00

15 ifjHkkf"kr&ykHk isa'ku dks"k fuoy vkfLr;ka 0.00

16 futh 'ks;j esa fuos'k (fjiksVZ fd, x, rqyu i=k esa ;fn igys ls gh inÙk iwath dk lek;kstu u fd;k x;k gks)

0.00

17 lekU; bZfDoVh esa ijLij ØkWl&gksfYMax 0.00

18 cSafdax] foÙkh; vkSj chek laLFkk,a] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds iwath esa fo'ks"k fuos'k dk ik=k 'kkWVZ iksft'ku fuoy] tgka cSad dh tkjh 'ks;j iwath 10% ls vf/d ugha gS (10% dh izkjafHkd lhek ls vf/d jkf'k)

0.00

19 cSafdax] foÙkh; vkSj chek laLFkk,a] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds lkekU; 'ks;j esa egRoiw.kZ fuos'k dk ik=k 'kkWVZ iksft'ku (10%) dh izkjafHkd lhek ls vf/d jkf'k) fuoy

0.00

20 ekWVZxst lfoZflax vf/dkj (10% dh izkjafHkd lhek ls vf/d jkf'k) 0.00

21 vLFkk;h fHkUurk ls mRiUu vkLFkfxr dj vkfLr;ka (10% dh izkjafHkd lhek ls vf/d jkf'k] lacaf/r dj ns;rk dk fuoy)

0.00

22 15% dh izkjaafHkd lhek ls vf/d jkf'k 0.00

23 ftlesa ls % foÙkh; laLFkkvksa ds lkekU; 'ks;j esa egRoiw.kZ fuos'k 0.00

24 ftlesa ls % ekWVZxst lfoZflax vf/dkj 0.00

25 ftlesa ls % vLFkk;h fHkUurk ls mRiUu vkLFkfxr dj vkfLr;ka 0.00

109

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

4 Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies)

0.00

Public sector capital injections grandfathered until 1 January 2018

0.00

5 Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1)

0.00

6 Common Equity Tier 1 capital before regulatory adjustments 6737.46

Common Equity Tier 1 capital: regulatory adjustments

7 Prudential valuation adjustments 0.00

8 Goodwill (net of related tax liability) 0.00

9 Intangibles other than mortgage-servicing rights (net of related tax liability)

0.00

10 Deferred tax assets 0.00

11 Cash-flow hedge reserve 0.00

12 Shortfall of provisions to expected losses 102.94

13 Securitisation gain on sale 0.00

14 Gains and losses due to changes in own credit risk on fair valued liabilities

0.00

15 Defined-benefit pension fund net assets 0.00

16 Investments in own shares (if not already netted off paid-in capital on reported balance sheet)

0.00

17 Reciprocal cross-holdings in common equity 0.00

18 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above 10% threshold)

0.00

19 Significant investments in the common stock of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)

0.00

20 Mortgage servicing rights (amount above 10% threshold) 0.00

21 Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)

0.00

22 Amount exceeding the 15% threshold 0.00

23 of which: significant investments in the common stock of financial entities

0.00

24 of which: mortgage servicing rights 0.00

25 of which: deferred tax assets arising from temporary differences

0.00

110

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/

hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

26 jk"Vªh; fof'k"V fofu;ked lek;kstu (26d$26[k$26x$26?k) 0.00 (?k)

26 d ftlesa ls % vlesfdr chek lgk;d daifu;ksa ds bZfDoVh iwath esa fuos'k 0.00

26 [k ftlesa ls % vlesfdr xSj&foÙkh; lgk;d daifu;ksa ds bZfDoVh iwath esa fuos'k

0.00

26 x ftlesa ls % cSad ds lkFk xSj&lesfdr izeq[k futh foÙkh; laLFkkvksa ds bZfDoVh iwath esa deh

0.00

26 ?k ftlesa ls % vifj'kksf/r isa'ku fuf/ O;o; 0.00

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k ds laca/ esa lkekU; bZfDoVh fV;j 1 ij ykxw fofu;ked lek;kstu

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº mnkgj.k ds fy,% ,,iQ,l ½.k izfrHkwfr;ksa ij volwy gkfu;ksa dks ckgj fudky nsuk

(Hkkjrh; lanHkZ esa vizklafxd)

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº mnkgj.k ds fy,% vkLFkfxr dj vkfLr;ka

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº mnkgj.k ds fy,% vewrZ vkfLr;ka

0.00

27 vi;kZIr vfrfjÙkQ fV;j 1 vkSj fV;j 2 dVkSrh dks doj djus ds fy, lkekU; bZfDoVh fV;j 1 ij ykxw fofu;ked lek;kstu

0.00

28 lkekU; bZfDoVh fV;j 1 iwath esa dqy fofu;ked lek;kstu 102.94

29 lkekU; bZfDoVh fV;j 1 iwath (lhbZVh1) 6634.52

vfrfjDr fV;j 1 iwath % fy[kr

30 lh/s tkjh fd, x, ik=k vfrfjDr fV;j 1 fy[kr vkSj lacaf/r LVkWd vf/'ks"k ('ks;j izhfe;e) (31$32)

0.00

31 ftlesa ls % ykxw ys[kkadu ekudksa ds varxZr bZfDoVh ds :i esa oxhZÑr (lrr xSj&lap;h vf/ekuh 'ks;j)

0.00

32 ftlesa ls % ykxw ys[kkadu ekudksa ds varxZr ns;rk ds :i esa oxhZÑr (lrr ½.k fy[kr)

0.00

33 vfrfjÙkQ fV;j 1 iwath ls pj.kc¼ :i ls ckgkj (iQst vkmV) gksus ds v/hu lh/s tkjh fd;s x;s iwath fy[kr

200.00

34 lgk;d daifu;ksa }kjk tkjh rFkk rhljs i{k }kjk (,Vh1 lewg esa vuqer jkf'k rd) /kfjr vfrfjÙkQ fV;j 1 fy[kr (vkSj 5oha iafDr esa 'kkfey ugha fd, x, lhbZVh1 fy[kr)

0.00

35 ftlesa ls % pj.kc¼ :i ls ckgj (iQst vkmV) gksus ds v/hu lgk;d daifu;ka }kjk tkjh fd, x, fy[kr

0.00

36 fofu;ked lek;kstu djus ls iwoZ vfrfjDr fV;j 1 iwath 200.00

111

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

26 National specific regulatory adjustments (26a+26b+26c+26d)

0.00

26a of which: Investments in the equity capital of unconsolidated insurance subsidiaries

0.00

26b of which: Investments in the equity capital of unconsolidated non-financial subsidiaries

0.00

26c of which: Shortfall in the equity capital of majority owned financial entities which have not been consolidated with the bank

0.00

26d of which: Unamortised pension funds expenditures 0.00

Regulatory Adjustments Applied To Common Equity Tier 1 In Respect Of Amounts Subject To Pre-Basel III Treatment

0.00

of which: [INSERT NAME OF ADJUSTMENT] For example: filtering out of unrealised losses on AFS debt securities (not relevant in Indian context)

0.00

of which: [INSERT NAME OF ADJUSTMENT e.g. DTAs] 0.00

of which: [INSERT NAME OF ADJUSTMENT e.g. intangible assets]

0.00

27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductions

0.00

28 Total regulatory adjustments to Common equity Tier 1 102.94

29 Common Equity Tier 1 capital (CET1) 6634.52

Additional Tier 1 capital: instruments

30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (31+32)

0.00

31 of which: classified as equity under applicable accounting standards (Perpetual Non-Cumulative Preference Shares)

0.00

32 of which: classified as liabilities under applicable accounting standards (Perpetual debt Instruments)

0.00

33 Directly issued capital instruments subject to phase out from Additional Tier 1

200.00

34 Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)

0.00

35 of which: instruments issued by subsidiaries subject to phase out

0.00

36 Additional Tier 1 capital before regulatory adjustments

200.00

112

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

vfrfjDr fV;j 1 iwath% fofu;ked lek;kstu

37 futh vfrfjDr fV;j 1 fy[kr esa fuos'k 0.00

38 vfrfjDr fV;j 1 fy[krksa esa ikjLifjd ØkWl&gksfYMaXl 0.00

39 cSafdax] foÙkh; vkSj chek laLFkk,a] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds lkekU; 'ks;j esa fo'ks"k fuos'k dk ik=k 'kkWVZ iksft'ku fuoy] tgka cSad dk laLFkk ds tkjh 'ks;j iwath (10% dh izkjafHkd lhek ls vf/d jkf'k) ds 10% ls vf/d dk LokfeRo ugha gSA

0.00

40 cSafdax] foÙkh; vkSj chek laLFkk,a] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds lkekU; 'ks;j esa egRoiw.kZ fuos'k (dk ik=k 'kkWVZ iksft'ku fuoy)

0.00

41 jk"Vªh; fof'k"V fofu;ked lek;kstu (41d $ 41[k) 0.00

41d ftlesa ls % xSj&lesfdr chek lgk;d daifu;ksa ds vfrfjÙkQ fV;j 1 iwath esa fuos'k

0.00

41[k ftlesa ls % cgqer ds LokfeRo okyh foÙkh; laLFkkvksa ds vfrfjDr fV;j 1 iwath esa deh ftudks cSad ds lkFk lesfdr ugha fd;k x;k gS

0.00

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k ds laca/ esa vfrfjÙkQ fV;j 1 ij ykxw fofu;ked lek;kstu

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº tSls% vkLFkfxr dj vkfLr;ka 0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº tSls % fo|eku lek;kstu] ftudh fV;j 1 esa ls 50% ij dVkSrh dh xbZ gSº

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº 0.00

42 vi;kZIr fV;j 2 ds dkj.k dVkSrh doj djus ds fy, vfrfjDr fV;j 1 ij ykxw fofu;ked lek;kstu

0.00

43 vfrfjDr fV;j 1 esa dqy fofu;ked lek;kstu 0.00

44 vfrfjDr fV;j 1 iwath 200.00

44d iawath i;kZIrrk x.kuk esa iz;qDr vfrfjDr fV;j 1 iwath 120.00 200-00 (t)

45 fV;j 1 iwath (Vh1 = lhbZVh1 $ ,Vh1) (29 $ 44d) 6754.52

fV;j 2 iwath% fy[kr ,oa izko/ku

46 lh/s tkjh fd, x, ik=k fV;j 2 fy[kr vkSj lacaf/r LVkWd vf/'ks"k 200.00

47 fV;j 2 iwath ls pj.kc¼ :i ls ckgkj (iQst vkmV) gksus v/hu lh/s tkjh fd;s x;s iwath fy[kr

846.00

113

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1 instruments 0.00

38 Reciprocal cross-holdings in Additional Tier 1 instruments

0.00

39 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)

0.00

40 Significant investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

0.00

41 National specific regulatory adjustments (41a + 41b) 0.00

41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries

0.00

41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have not been consolidated with the bank

0.00

Regulatory Adjustments Applied To Additional Tier 1 In Respect Of Amounts Subject To Pre-Basel III Treatment

0.00

of which: [INSERT NAME OF ADJUSTMENT e.g. DTAs] 0.00

of which: [INSERT NAME OF ADJUSTMENT e.g. existing adjustments which are deducted from Tier 1 at 50%]

0.00

of which: [INSERT NAME OF ADJUSTMENT] 0.00

42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions

0.00

43 Total regulatory adjustments to Additional Tier 1 capital 0.00

44 Additional Tier 1 capital (AT1) 200.00

44a Additional Tier 1 capital reckoned for capital adequacy 120.00 200.00 H

45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 6754.52

Tier 2 capital: instruments and provisions

46 Directly issued qualifying Tier 2 instruments plus related stock surplus

200.00

47 Directly issued capital instruments subject to phase out from Tier 2

846.00

114

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

48 lgk;d daifu;ksa }kjk tkjh fd, x, ,oa rhljs i{kksa }kjk (fV;j 2 lewg esa vuqer jkf'k rd) /kfjr fV;j 2 fy[kr (rFkk 5oha vkSj 34oha iafÙkQ esa 'kkfey ugha fd, x, lhbZVh1 vkSj ,Vh 1 fy[kr)

0.00

49 ftlesa ls % pj.kc¼ :i ls ckgj (iQst vkmV) gksus ds v/hu lgk;d daifu;ka }kjk tkjh fd, x, fy[kr

0.00

50 izko/ku 533.01 (N$V)

51 fofu;ked lek;kstuksa djus ls iwoZ fV;j 2 iwath 1579.01

fV;j 2 iwath % fofu;ked lek;kstu

52 futh fV;j 2 fy[kr esa fuos'k 0.00

53 fV;j 2 fy[kr esa ikjLifjd ØkWl&gksfYMaXl 0.00

54 cSafdax] foÙkh; vkSj chek laLFkk,] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds iwath esa fo'ks"k fuos'k dk ik=k 'kkWVZ iksft'ku fuoy] tgka cSad dk laLFkk ds tkjh 'ks;j iwath (10% dh izkjafHkd lhek ls vf/d jkf'k) ds 10% ls vf/d dk LokfeRo ugha gS

0.00

55 cSafdax] foÙkh; vkSj chek laLFkk,a] tks fofu;ked lesdu ds nk;js ls ckgj gSa] ds lkekU; 'ks;j esa egRoiw.kZ fuos'k dk ik=k 'kkWVZ iksft'ku fuoy

0.00

56 jk"Vªh; fof'k"V fofu;ked lek;kstu (56d@56[k)

56d ftlesa ls % vlesfdr chek lgk;d daifu;ksa ds fV;j 2 iwath esa fuos'k 0.00

56[k ftlesa ls % cgqer ds LokfeRo okyh foÙkh; laLFkkvksa ds fV;j 2 iwath esa deh ftudksa cSad ds lkFk lesfdr ugha fd;k x;k gSA

0.00

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k ds laca/ esa fV;j 2 ij ykxw fofu;ked lek;kstu

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº tSls% fo|eku lek;kstu] ftudh fV;j 2 esa ls 50% ij dVkSrh dh xbZ gSº

0.00

ftlesa ls % ¹lek;kstu dk izdkj izfo"V djsaº 0.00

57 fV;j 2 iwath esa dqy fofu;ked lek;kstu 0.00

58 fV;j 2 iwath (Vh2) 1579.01

58d iwath i;kZIrrk x.kuk esa iz;qDr fV;j 2 iwath 1579.01 2183-01 (N$>$=k$V)

58[k fV;j 2 iwath ds #i esa ekU; vf/d vfrfjDr fV;j 1 iwath 0.00

58x iwath i;kZIrrk ds fy, Lohdk;Z dqy fV;j 2 iwath (58d $ 58[k)

1579.01

59 dqy iwath (Vhlh = Vh1 $ Vh2) (45 $ 58x) 8333.53

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k ds laca/ esa tksf[ke Hkkfjr vkfLr;ka

0.00

ftlesa ls % #i;s 15 djksM+ ds fV;j 2 fy[krksa esa ikjLifjd ØkWl&gksfYMaXl

0.00

ftlesa ls % 0.00

115

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)

0.00

49 of which: instruments issued by subsidiaries subject to phase out 0.00

50 Provisions 533.01 G+K

51 Tier 2 capital before regulatory adjustments 1579.01

Tier 2 capital: regulatory adjustments

52 Investments in own Tier 2 instruments 0.00

53 Reciprocal cross-holdings in Tier 2 instruments 0.00

54 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold)

0.00

55 Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

0.00

56 National specific regulatory adjustments (56a+56b)

56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries

0.00

56b of which: Shortfall in the Tier 2 capital of majority owned financial entities which have not been consolidated with the bank

0.00

Regulatory Adjustments Applied to Tier 2 in Respect of Amounts Subject to Pre-Basel III Treatment

0.00

of which: [INSERT NAME OF ADJUSTMENT e.g. existing adjustments which are deducted from Tier 2 at 50%]

0.00

of which: [INSERT NAME OF ADJUSTMENT] 0.00

57 Total regulatory adjustments to Tier 2 capital 0.00

58 Tier 2 capital (T2) 1579.01

58a Tier 2 capital reckoned for capital adequacy 1579.01 2183.01 G+I+J+K

58b Excess Additional Tier 1 capital reckoned as Tier 2 capital 0.00

58c Total Tier 2 capital admissible for capital adequacy (row 58a + row 58b) 1579.01

59 Total capital (TC = T1 + T2) (45+ 58c) 8333.53

Risk Weighted Assets in respect of Amounts Subject to Pre-Basel III Treatment

0.00

of which: [INSERT NAME OF ADJUSTMENT] 0.00

of which: … 0.00

116

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

60 dqy tksf[ke Hkkfjr vkfLr;ka (60d $ 60[k $ 60x) 75336.72

60d ftlesa ls % dqy ØsfMV tksf[ke Hkfjr vkfLr;ka 66072.23

60[k ftlesa ls % dqy cktkj tksf[ke Hkkfjr vkfLr;ka 2629.07

60x ftlesa ls % dqy ifjpkyu tksf[ke Hkkfjr vkfLr;ka 6635.42iwath vuqikr61 lkekU; bZfDoVh fV;j 1 (tksf[ke Hkkfjr vkfLr;ka ds izfr'kr ds :i esa) 8.81%62 fV;j 1 (tksf[ke Hkkjrh; vkfLr;ka ds izfr'kr ds :i esa) 8.97%63 dqy iwath (tksf[ke Hkkfjr vkfLr;ka ds izfr'kr ds :i esa) 11.06%64 laLFkk fof'k"V ciQj vis{kk (U;wure lhbZVh1 vis{kk vkSj iwath laj{k.k

rFkk izfrpØh; ciQj vis{kk,a] tksf[ke Hkkfjr vkfLr;ka ds izfr'kr ds :i esa O;ÙkQ)

8.81%

65 ftlesa ls % iwath laj{k.k ciQj vis{kk,a 0.625%

66 ftlesa ls % cSad fof'k"V izfrpØh; ciQj vis{kk, 67 ftlesa ls % th&,lvkbZch ciQj vis{kk, 68 ciQj dh vis{kk dks iwjk djus ds fy, miyC/ lkekU; bZfDoVh fV;j

1 (tksf[ke Hkkfjr vkfLr;ka ds izfr'kr ds :i esa) 0.625%

jk"Vªh; U;wure (vxj cklsy III ls fHkUu gks] rks)

69 jk"Vªh; lkekU; bZfDoVh fV;j 1 U;ure vuqikr (vxj cklsy III ls fHkUu gks] rks)

6.125%

70 jk"Vªh; fV;j 1 U;wure vuqikr (vxj cklsy III ls fHkUu gks] rks) 7.00%

71 jk"Vªh; dqy iwath U;wure vuqikr (vxj cklsy III ls fHkUu gks] rks) 9.625%

dVkSrh fd fy, vf/dre lhek ds uhps dh jkf'k (tksf[ke Hkkj ls igys)

72 vU; foÙkh; laLFkkvksa dh iwath esa xSj&egRoiw.kZ fuos'k 0.00

73 foÙkh; laLFkkvksa ds lkekU; LVkWd esa egRoiw.kZ fuos'k 56.40

74 ekWVxst&lfoZflax vf/dkj (lacaf/r dj ns;rk dk fuoy) 0.00

75 vLFkk;h fHkUurk ls mRiUu vkLFkfxr dj vkfLr;ka (lacaf/r dj ns;rk dk fuoy)

0.00

fV;j 2 izko/kuksa ds 'kkfey fd;s tkus ij ykxw lhek,a (dSIl)76 ekudhÑr n`f"Vdks.k ds v/hu ,Dlikstj ds laca/ esa fV;j 2 iwath

esa 'kkfey djus gsrq ik=k izko/ku (lhek ykxw gksus ls iwoZ)533.01

77 ekudhÑr n`f"Vdks.k ds v/hu fV;j 2 iwath esa izko/kuksa ds 'kkfey fd;s tkus dh (ij dSi)

825.90

78 vkarfjd jsfVax vk/kfjr n`f"Vdks.k ds v/hu ,Dlikstj ds laca/ esa fV;j 2 iwath esa 'kkfey djus gsrq ik=k izko/ku (lhek ykxw gksus ls iwoZ)

0.00

79 vkarfjd jsfVax vk/kfjr n`f"Vdks.k ds v/hu fV;j 2 iwath esa izko/kuksa ds 'kkfey fd;s tkus dh

0.00

117

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

60 Total risk weighted assets (60a + 60b + 60c) 75336.72

60a of which: total credit risk weighted assets 66072.23

60b of which: total market risk weighted assets 2629.07

60c of which: total operational risk weighted assets 6635.42

Capital ratios

61 Common Equity Tier 1 (as a percentage of risk weighted assets) 8.81%

62 Tier 1 (as a percentage of risk weighted assets) 8.97%

63 Total capital (as a percentage of risk weighted assets) 11.06%

64 Institution specific buffer requirement (minimum CET1 requirement plus capital conservation and countercyclical buffer requirements, expressed as a percentage of risk weighted assets)

8.81%

65 of which: capital conservation buffer requirement 0.625%

66 of which: bank specific countercyclical buffer requirement

67 of which: G-SIB buffer requirement

68 Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)

0.625%

National minima (if different from Basel III)

69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum)

6.125%

70 National Tier 1 minimum ratio (if different from Basel III minimum) 7.00%

71 National total capital minimum ratio (if different from Basel III minimum)

9.625%

Amounts below the thresholds for deduction (before risk weighting)

72 Non-significant investments in the capital of other financials 0.00

73 Significant investments in the common stock of financial entities 56.40

74 Mortgage servicing rights (net of related tax liability) 0.00

75 Deferred tax assets arising from temporary differences (net of related tax liability)

0.00

Applicable caps on the inclusion of provisions in Tier 2

76 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)

533.01

77 Cap on inclusion of provisions in Tier 2 under standardised approach

825.90

78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)

0.00

79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach

0.00

118

fofu;ked lek;kstu ds laØe.k ds nkSjku iz;ksx fd;s tkus okyk ckly III lkekU; izdVhdj.k VsEiysV (vFkkZr 1 vizSy] 2013 ls 31 fnlacj] 2017 rd)

ckly III iwoZ i¼fr ds VªhVesaV ds v/hu jkf'k

lanHkZ la- (fM,iQ&12% pj.k 2)

iQst vkmV O;oLFkkvksa ds v/hu (dsoy 31 ekpZ 2017 vkSj 31 ekpZ] 2022 ds chp ykxw)80 iQst vkÅV O;oLFkkvksa ds v/hu lhbZVh 1 fy[krksa ij ekStwnk dSi 0.00

81 dSi ds dkj.k lhbZVh 1 esa 'kkfey dh xbZ jkf'k (Hkquk, x, vkSj vfo/iw.kZ fy[krksa ds ckn dSi ds vfrfjDr)

0.00

82 iQst vkÅV O;oLFkkvksa ds v/hu ,Vh 1 fy[krksa ij ekStwnk dSi 0.00

83 dSi ds dkj.k ,Vh 1 esa 'kkfey dh xbZ jkf'k (Hkquk, x, vkSj vof/ iw.kZ fy[krksa ds ckn dSi ds vfrfjDr)

0.00

84 iQst vkÅV O;oLFkkvksa ds v/hu Vh 2 fy[krksa ij ekStwnk dSi 0.00

85 dSi ds dkj.k Vh 2 esa 'kkfey dh xbZ jkf'k (Hkquk, x, vkSj vof/ iw.kZ fy[krksa ds ckn dSi ds vfrfjDRk)

0.00

VsEiysV ds fy, fVIif.k;ka

iafÙkQ la-

fooj.k jkf'k(#i;s djksM+ esa)

10 lafpr gkfu;ksa ls lacaf/r vkLFkfxr dj vkfLr;ka

vkLFkfxr dj ns;rk ls ?kVkbZ xbZ (lafpr gkfu;ksa ls tqM+h gqbZ dks NksMdj) vkLFkfxr dj vkfLr;ka

0-00

iafDr 10 esa baafxr fd;s x;s vuqlkj dqy 0-00

19 ;fn chek lgk;d daifu;ksa esa fuos'kksa dks iwath ls iwjh rjg ugha ?kVk;k x;k vkSj mldh ctk; dVkSrh dh vf/dre 10 izfr'kr dh lhek ds varxZr ekU; fd;k x;k rks cSad dh iwath esa ifj.kkeh o`f¼

0-00

ftlesa ls % lkekU; baZfDoVh fV;j 1 iwath esa o`f¼ 0-00

ftlesa ls % vfrfjDr fV;j 1 iwath esa o`f¼

ftlesa ls % fV;j 2 iwath esa o`f¼ 0-00

50 fV;j 2 iwath esa 'kkfey ik=k izko/ku 533-01

fV;j 2 iwath esa 'kkfey ik=k iqueZwY;kadu fjt+oZ 0-00

iafDr 50 dk ;ksx 533-01

44d iwath i;kZIrrk dh x.kuk esa 'kkfey ugha dh xbZ T;knk vfrfjDr fV;j 1 iwath (iafDr 44 esa fjiksVZ dh xbZ vfrfjDr fV;j 1 iwath vkSj 44d esa fjiksVZ dh xbZ Lohdk;Z vfrfjDr fV;j 1 iwath dk varj)

80-00

ftlesa ls % T;knk vfrfjDr fV;j 1 iwath ftls iafDr 58[k esa fV;j 2 iwath ekuk x;k gS 0-00

58a iwath i;kZIrrk dh x.kuk esa 'kkfey ugha dh xbZ T;knk fV;j 2 iwath (iafDr 58 esa fjiksVZ dh xbZ fV;j 2 iwath vkSj 58d esa fjiksVZ dh xbZ fV;j 2 iwath dk varj)

0-00

26b ;fn xSj&lesfdr xSj&foÙkh; lgk;d daifu;ksa dh bZfDoVh iwath esa fuos'k dks ugha ?kVk;k x;k vkSj blfy, tksf[ke Hkkj yxk;k x;k gks rks %

(i) lkekU; bZfDoVh fV;j 1 iwath esa o`f¼ 0-00

(ii) tksf[ke Hkkfjr vkfLr;ksa esa o`f¼ 141-00

119

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To

Pre-Basel III Treatment

Ref No. (with respect to DF-12: Step 2)

Capital instruments subject to phase-out arrangements (only applicable between April 1, 2018 and March 31, 2022)

80 Current cap on CET1 instruments subject to phase out arrangements

0.00

81 Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)

0.00

82 Current cap on AT1 instruments subject to phase out arrangements

0.00

83 Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)

0.00

84 Current cap on T2 instruments subject to phase out arrangements 0.00

85 Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)

0.00

Notes to the template

Row No.

Particular (` in Crores)

10 Deferred tax assets associated with accumulated losses 0.00

Deferred tax assets (excluding those associated with accumulated losses) net of Deferred tax liability

0.00

Total as indicated in row 10 0.00

19 If investments in insurance subsidiaries are not deducted fully from capital and instead considered under 10% threshold for deduction, the resultant increase in the capital of bank

0.00

of which: Increase in Common Equity Tier 1 capital 0.00

of which: Increase in Additional Tier 1 capital 0.00

of which: Increase in Tier 2 capital 0.00

50 Eligible Provisions included in Tier 2 533.01

Eligible Revaluation Reserves included in Tier 2 0.00

Total of row 50 533.01

44a Excess AT1 not reckoned for capital adequacy (difference between AT1 as reported in row 44 and admissible AT1 as reported in 44a

80.00

of which: Excess AT1 which is considered as Tier 2 capital under row 58b 0.00

58a Excess T2 not reckoned for capital adequacy (difference between T2 as reported in row 58 and T2 as reported in 58a)

0.00

26b If investments in the equity capital of unconsolidated non-financial subsidiaries are not deducted and hence, risk weighted then:

(i) Increase in Common Equity Tier 1 capital 0.00

(ii) Increase in risk weighted assets 141.00

120

Mh,iQ&12pj.k &1

cSad ds fofu;ked lesdu vkSj ys[kkadu lesdu esa dksbZ varj ugha gSA

pj.k &2(jkf'k djksM+ :i;s esa)

foÙkh; fooj.kksa ds vuqlkj rqyui=k

lesdu ds fofu;ked nk;js ds varxZr

rqyui=klanHkZ la-

31-03-2016 dh fLFkfr ds vuqlkj

31-03-2016 dh fLFkfr ds vuqlkj

iwath rFkk ns;rk,a

iznÙk iwath 70.00 70.00

ftlesa ls % lhbZVh 1 ds fy, ik=k jkf'k 70.00 70.00 (d)

ftlesa ls % ,Vh 1 ds fy, ik=k jkf'k 0.00 0.00

vkjf{kr fuf/ rFkk vf/'ks"k 6672.80 6672.80

ftlesa ls % oS/kfud vkjf{kr fuf/ 2200.21 2200.21 ([k)

ftlesa ls % iwath vkjf{kr fuf/ 98.79 98.79 (x)

ftlesa ls % LVkWd ljIyl ('ks;j fizfe;e) 866.64 866.64 (?k)

ftlesa ls % lkekU; vkjf{kr fuf/ (jktLo ,oa vU; vkjf{kr jktLo)

3212.73 3212.73 (M+)

ftlesa ls % fo'ks"k jktLo vk;dj vf/fu;e dh /kjk 36(i)(iii)

289.10 289.10 (p)

ftlesa ls % jktLo ,oa vU; vkjf[kr jktLo 5.33 5.33 (N)

ftlesa ls % vYi 'ks;j f/fj;ksa dks C;kt 0.00 0.00

dqy iwath 6742.80 6742.80

tekjkf'k;ka 94004.85 94004.85

ftlesa ls % cSadksa ls tekjkf'k;ka 685.35 685.35

ftlesa ls % xzkgd tekjkf'k;ka 93319.50 93319.50

ftlesa ls % vU; tekjkf'k;ka (fooj.k nsa) 0.00 0.00

m/kj 4888.35 4888.35

ftlesa ls % Hkkjrh; fjt+oZ cSad ls 0.00 0.00

ftlesa ls % cSadksa ls 1900.00 1900.00

ftlesa ls % vU; laLFkkvksa rFkk ,tsafl;ksa ls 1138.35 1138.35

ftlesa ls % vU; (Ñi;k Li"V djsa) 0.00 0.00

ftlesa ls % iwath fy[kr (d+[k+x) 1850.00 1850.00

(d)vkbZ ih Mh vkbZ 200.00 200.00

121

DF-12STEP - 1

There is no difference between the regulatory consolidation and accounting consolidation of the Bank.

STEP-2(` in Crores)

Balance sheet as in published

financialstatements

Under regulatory scope of

consolidation

ReferenceNumber

As on reportingdate 31.03.2016

As on reportingdate 31.03.2016

Capital & Liabilities

Paid-up Capital 70.00 70.00

of which: Amount eligible for CET1 70.00 70.00 A

of which: Amount eligible for AT1 0.00 0.00

Reserves & Surplus 6672.80 6672.80

of which: Statutory Reserves 2200.21 2200.21 B

of which: Capital Reserves 98.79 98.79 C

of which: Stock Surplus (Share Premium) 866.64 866.64 D

of which: General Reserves( Revenue & Other Reserves) 3212.73 3212.73 E

of which: Special Reserve u/s 36 (i)(viii) 289.10 289.10 F

of which: Revenues and other Reserves 5.33 5.33 G

Minority Interest 0.00 0.00

Total Capital 6742.80 6742.80

Deposits 94004.85 94004.85

of which: Deposits from banks 685.35 685.35

of which: Customer deposits 93319.50 93319.50

of which: Other deposits (pl. specify) 0.00 0.00

Borrowings 4888.35 4888.35

of which: From RBI 0.00 0.00

of which: From banks 1900.00 1900.00

of which: From other institutions & agencies 1138.35 1138.35

of which: Others (pl. specify) 0.00 0.00

of which: Capital instruments (a+b+c) 1850.00 1850.00

(a) Innovative Perpetual Debt Instruments (IPDI) 200.00 200.00

122

foÙkh; fooj.kksa ds vuqlkj rqyui=k

lesdu ds fofu;ked nk;js ds varxZr rqyui=k

lanHkZ la-

31-03-2016 dh fLFkfr ds vuqlkj

31-03-2016 dh fLFkfr ds vuqlkj

ftlesa ls % fV;j 1 iwath eSa lfEefyr djus ;ksX; 120.00 120.00 (t)([k)xkS.k ns;rk,a (cklsy III vuqikyd ck.M~l 200.00 200.00

ftlesa ls % fV;j 2 iwath eSa lfEefyr djus ;ksX; 200.00 200.00 (>)(x)xkS.k ns;rk,a (cklsy III xSj vuqikyd ck.M~l 1450.00 1450.00

ftlesa ls % fV;j 2 iwath eSa lfEefyr djus ;ksX; 846.00 846.00 (=k)vU; ns;rk,a ,oa çkoèkku 4700.27 4700.27

ftlesa ls % xqMfoy ls lacafèkr MhVh,y 0.00 0.00

ftlesa ls % vewrZ vkfLr;ksa ls lacafèkr MhVh,y 0.00 0.00

ftlesa ls % ekud vkfLr;ksa ds çkoèkku ,oavU; çkoèkku tks fV;j 2 iwath esa lfEefyr gSa 527.68 527.68 (V)dqy 110336.27 110336.27

vkfLr;ka 0.00 0.00

Hkkjrh; fjt+oZ cSad ds ikl udn ,oa 'ks"k 9715.19 9715.19

cSadksa ds ikl 'ks"k vkSj ekax vkSj vYi lwpuk ij izfrns; jkf'k

107.68 107.68

fuos'k 24782.37 24782.37

ftlesa ls % ljdkjh izfrHkwfr;ka 22650.98 22650.98

ftlesa ls % vU; vuqeksfnr izfrHkwfr;ka 0.13 0.13

ftlesa ls % 'ks;j 143.61 143.61

ftlesa ls % fMcsapj rFkk ck.M 1338.61 1338.61

ftlesa ls % vuq"kaxh daifu;ka@ la;qDr m|e@

lg;ksxh laLFkk;s

56.40 56.40

ftlesa ls % vU; (okf.kfT; i=k] E;qP;qvy iQ.M

vkfn)

592.64 592.64

½.k rFkk vfxze 72927.46 72927.46

ftlesa ls % cSadksa dks ½.k rFkk vfxze 2291.27 2291.27

ftlesa ls % xzkgdksa dks ½.k rFkk vfxze 70636.19 70636.19

vpy vkfLr;ka 398.57 398.57

vU; vkfLr;ka 2405.00 2405.00

ftlesa ls % xqMfoy rFkk vewrZ vkfLr;ka ftlesa ls % 0.00 0.00

xqMfoy 0.00 0.00

vU; vewrZ vkfLr;ka (,e,lvkj dks NksM+dj) isa'ku ,oa xzsP;qVh nkf;Roksa ds vifj'kksfpr O;;

0.00 0.00

vkLFkfxr dj vkfLr;ka 0.00 0.00

lesdu ij xqMfoy 0.00 0.00

ykHk rFkk gkfu [kkrs esa ukes 'ks"k 0.00 0.00

dqy vkfLr;ka 110336.27 110336.27

123

Balance sheet as in published

financialstatements

Under regulatory scope of

consolidation

ReferenceNumber

As on reportingdate 31.03.2016

As on reportingdate 31.03.2016

Out of which eligible for inclusion in Tier 1 Capital 120.00 120.00 H

(b) Subordinated Debts (Basel III Compliant Bonds) 200.00 200.00

Out of which eligible for inclusion in Tier 2 Capital 200.00 200.00 I

(c) Subordinated Debts (Basel III non-Compliant Bonds) 1450.00 1450.00

Out of which eligible for inclusion in Tier 2 Capital 846.00 846.00 J

Other liabilities & provisions 4700.27 4700.27

of which: DTLs related to goodwill 0.00 0.00

of which: DTLs related to intangible assets 0.00 0.00

of which: Standard assets provision and Other 0.00 0.00

provisions included in Tier 2 Capital 527.68 527.68 K

Total 110336.27 110336.27

Assets 0.00 0.00

Cash and balances with Reserve Bank of India 9715.19 9715.19

Balance with banks and money at call and short notice 107.68 107.68

Investments 24782.37 24782.37

of which: Government securities 22650.98 22650.98

of which: Other approved securities 0.13 0.13

of which: Shares 143.61 143.61

of which: Debentures & Bonds 1338.61 1338.61

of which: Subsidiaries / Joint Ventures / Associates 56.40 56.40

of which: Others (Commercial Papers, Mutual Funds etc.) 592.64 592.64

Loans and advances 72927.46 72927.46

of which: Loans and advances to banks 2291.27 2291.27

of which: Loans and advances to customers 70636.19 70636.19

Fixed assets 398.57 398.57

Other assets 2405.00 2405.00

of which: Goodwill and intangible assets out of which: 0.00 0.00

Goodwill 0.00 0.00

Other intangibles (excluding MSRs) 0.00 0.00

Deferred tax assets 0.00 0.00

Goodwill on consolidation 0.00 0.00

Debit balance in Profit & Loss account 0.00 0.00

Total Assets 110336.27 110336.27

124

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25

14Is

suer

cal

l sub

ject

topr

ior s

uper

viso

ry a

ppro

val

No

No

No

Yes

Yes

Yes

No

15O

ptio

nal c

all d

ate,

cont

inge

nt c

all d

ates

and

re

dem

ptio

n am

ount

NA

No

No

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3.20

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50 C

rore

15.1

0.20

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00 c

rore

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3.20

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00 c

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No

16S

ubse

quen

t cal

l dat

es,

if ap

plic

able

NA

NA

NA

No

No

No

No

Cou

pons

/Div

iden

dsD

ivid

ends

Cou

pons

Cou

pons

Cou

pons

Cou

pons

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pons

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pons

17Fi

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Fixe

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dFi

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d

18C

oupo

n ra

te a

nd a

nyre

late

d in

dex

NA

9.15

%9.

02%

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5%9.

78%

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%8.

30%

19Ex

iste

nce

of a

div

iden

dst

oppe

rN

oN

AN

AN

AN

AN

AN

A

20Fu

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iscr

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nary

,pa

rtial

ly d

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etio

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dato

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Man

dato

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ly

disc

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parti

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rtial

ly

disc

retio

nary

21Ex

iste

nce

of s

tep

up o

rot

her i

ncen

tive

to re

deem

NA

No

No

Yes

Yes

Yes

No

22N

oncu

mul

ativ

e or

cu

mul

ativ

eN

AN

on

cum

ulat

ive

Non

cu

mul

ativ

eN

on

cum

ulat

ive

Non

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mul

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eN

on

cum

ulat

ive

Non

cum

ulat

ive

23C

onve

rtibl

e or

non

- co

nver

tible

NA

Non

- co

nver

tible

Non

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nver

tible

Non

- co

nver

tible

Non

- co

nver

tible

Non

- co

nver

tible

Non

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nver

tible

24If

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ertib

le,

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ersi

on tr

igge

r(s)

NA

NA

NA

NA

NA

NA

NA

25If

conv

ertib

le, f

ully

or

parti

ally

NA

NA

NA

NA

NA

NA

NA

26If

conv

ertib

le,

conv

ersi

on ra

teN

AN

AN

AN

AN

AN

AN

A

128

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129

Equi

tyLo

wer

tier

-II

(Ser

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VI)

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er ti

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V)Up

per t

ier-

II (S

erie

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Uppe

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DI B

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27If

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ertib

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man

dato

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tiona

l con

vers

ion

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NA

NA

NA

NA

NA

NA

28If

conv

ertib

le,

spec

ifyin

stru

men

t typ

e co

nver

tible

into

NA

NA

NA

NA

NA

NA

NA

29If

conv

ertib

le, s

peci

fyis

suer

of i

nstr

umen

t it

conv

erts

into

NA

NA

NA

NA

NA

NA

NA

30W

rite-

dow

n fe

atur

eN

oN

oN

oN

oN

oN

oTh

ese

inst

rum

ents

are

sub

ject

to

pe

rman

ent

writ

e of

f upo

n th

e oc

curre

nce

of

trigg

er

even

t ca

lled

PO

NV

as d

eter

min

ed

by R

BI.

31If

writ

e-do

wn,

writ

e-

dow

n tr

igge

r(s)

NA

NA

NA

NA

NA

NA

The

PO

NV

Trig

ger e

vent

is

the

ear

lier o

f a d

ecis

ion

th

at

(a)

A w

rite

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s ne

cess

ary

with

out w

hich

the

Ban

k w

ould

bec

ome

non-

vi

able

, as

dete

rmin

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by th

e R

BI;

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(b)

The

dec

isio

n to

mak

e a

publ

ic s

ecto

r inj

ectio

n of

cap

ital,

or e

quiv

alen

t su

ppor

t, w

ithou

t whi

ch

the

Ban

k w

ould

hav

e be

com

e no

n- v

iabl

e,

as d

eter

min

ed b

y th

e re

leva

nt a

utho

rity.

32If

writ

e-do

wn,

full

orpa

rtia

lN

AN

AN

AN

AN

AN

AFu

ll

33If

writ

e-do

wn,

perm

anen

t or

tem

pora

ry

NA

NA

NA

NA

NA

NA

Per

man

ent w

rite-

off.

34If

tem

pora

ry w

rite-

dow

n, d

escr

iptio

n of

w

rite-

up m

echa

nism

NA

NA

NA

NA

NA

NA

NA

130

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131

Equi

tyLo

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tier

-II

(Ser

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VI)

Low

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V)Up

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35P

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su

bord

inat

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hier

arch

y in

liq

uida

tion

(spe

cify

in

stru

men

t typ

e im

med

iate

ly s

enio

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inst

rum

ent)

Mos

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bor-

dina

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clai

m in

liq

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of

the

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Fully

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d-up

, un

secu

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su

bord

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to th

e cl

aim

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ot

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Fully

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(a) S

uper

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vest

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stru

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Sub

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Sup

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clai

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36N

on-c

ompl

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tr

ansi

tione

d fe

atur

es

No

Yes

Yes

Yes

Yes

Yes

No

(Bas

el

III

com

plia

nt)

37If

yes,

spe

cify

non

- co

mpl

iant

feat

ures

NA

No

loss

ab

sorp

tion

feat

ures

No

loss

abso

rptio

n fe

atur

es

No

loss

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n fe

atur

es

No

lo

ssab

sorp

tion

feat

ures

No

lo

ssab

sorp

tion

feat

ures

NA

132

Mh,iQ&14uoksUes"k] tfVy (Complex) vFkok gkbfczM iwath foys[k lfgr] tks fd Lrjh;&I ,oa Lrjh;&II iwath esa 'kkfey djus ;ksX; gSa] leLr

iwath dk izdkj izeq[k fo'ks"krk,a

uoksUes"kh 'kk'or ½.k foys[k 20-03-2008

foys[k dk izdkj % izkafeljh uksV dh izÑfr ds vuq#i vlqjf{kr] vifjorZuh;] xkS.k ,oa 'kk'or cka.M~lA dkWy vkWI'ku ,oa LVsi&vi dwiu 10 o"kZ i'pkr miyC/ gS (ml le; Hkkjrh; fjt+oZ cSad dh vuqefr dh 'krZ ij)AvU; fooj.k%jkf'k % 200 djksM+ dwiu % 9-85% (fLFkj] okf"kZd ns;)vof/ % 'kk'or jsfVax % ds;j }kjk ^AAA* ,oa fØfly }kjk ^AAA* & fLFkj

vij Lrjh;&IIxkS.k ckW.M~l22-03-2007

foys[k dk izdkj % izkafeljh uksV dh izÑfr ds vuq#i] vlqjf{kr] ekspuh;] ,oa vifjorZuh; xkS.k vij Lrjh;&II ckS.M~l dkWy vkWI'ku 120 ekg ckn miyC/ gS (ml le; Hkkjrh; fjt+oZ cSad dh vuqefr dh 'krZ ij)AvU; fooj.k%jkf'k % 150 djksM+ dwiu % 10-25% (fLFkj] okf"kZd ns;)vof/ % 180 ekg ifjiDork fnukad % 22-03-2022 jsfVax % ds;j }kjk ^AAA* ,oa fØfly ^AAA/ fLFkj

vij Lrjh;&^IIxkS.k ckW.M~l15-10-2007

foys[k dk izdkj % izkafeljh uksV dh izÑfr ds vuq#i vlqjf{kr] ekspuh;] ,oa vifjorZuh; xkS.k vij Lrjh;&II ckS.M~lA dkWy vkWI'ku 120 ekg ckn miyC/ gS (ml le; Hkkjrh; fjt+oZ cSad dh vuqefr dh 'krZ ij)AvU; fooj.k%jkf'k % 300 djksM+ dwiu % 9-78% (fLFkj] okf"kZd ns;)vof/ % 180 ekg ifjiDork fnukad % 15-10-2022jsfVax % ds;j }kjk ^AAA* ,oa fØfly ^AAA/ fLFkj

yksvj Lrjh;&IIxkSM ckW.M~l (ikapoh lhjht) 10-08-2006

foys[k dk izdkj% izkafeljh uksV dh izÑfr ds vuq#i] vlqjf{kr] ekspuh;] ,oa vifjorZuh; xkS.k ckS.M~lA fcuk iqV vkSj dkWy vkWI'ku dh fof'k"V fo'ks"krkvksa ds] ;s lkns ouhyk (Vanilla) ckW.M~l gSaAvU; fooj.k%jkf'k % 500 djksM+ dwiu % 9-15% (fLFkj] okf"kZd ns;)vof/ % 120 ekg ifjiDork fnukad % 10-08-2016jsfVax % fØfly }kjk ^AAA*@fLFkj ,oa bdjk }kjk ^AAA*@fLFkj

yksvj Lrjh;&IIxkS.k ckW.M~l 20-03-2012

foys[k dk izdkj% izkafeljh uksV dh izÑfr ds vuq#i] vlqjf{kr] ekspuh;] ,oa vifjorZuh; xkS.k ckS.M~lA fcuk iqV vkSj dkWy vkWI'ku dh fof'k"V fo'ks"krkvksa ds] ;s lkns ouhyk (Vanilla) ckW.M~l gSaAvU; fooj.k%jkf'k % 500 djksM+ dwiu % 9-02% (fLFkj] okf"kZd ns;)vof/ % 120 ekg ifjiDork fnukad % 20-03-2022jsfVax % fØfly }kjk ^AAA* ,oa bdjk }kjk ^AAA*

133

DF-14: Full Terms and Conditions of Regulatory Capital Instruments

Instruments Full Terms and ConditionsType of Capital Main features

Innovative Perpetual DebtInstruments 20.03.2008

Unsecured, non-convertible, subordinated, Perpetual Bonds in the nature of Promissory Notes. Call option and step-up coupon available after 10 years (subject to RBI permission at the time).Otherdetails:

Amount: `. 200 crTenor: Perpetual (call option available after 10 years with permission of RBI). Coupon: 9.85% payable annually.Ratings: CARE AAA by CARE and CRISIL AAA/ Stable by CRISIL.

Upper Tier-II Subordinated Bonds 22.03.2007

Type of Instrument: Unsecured, redeemable, non-convertible Subordinated Upper Tier-II Bonds in the nature of Promissory Notes. Call option and step up is available after 120 months(subject to RBI permission at the time)Otherdetails:

Amount : `.150 crTenor : 180 months maturing on: 22.03.2022Coupon : 10.25% (fixed, payable annually)Ratings: CARE AAA by CARE and CRISIL AAA/ Stable by CRISIL..

Upper Tier-II Subordinated Bonds 15.10.2007

Type of Instrument: Unsecured, redeemable, non-convertible Subordinated Upper Tier-II Bonds in the nature of Promissory Notes. Call option and step up is available after 120 months(subject to RBI permission at the time)Otherdetails:

Amount : `.300 crTenor : 180 months maturing on: 15.10.2022Coupon : 9.78% (fixed, payable annually)Ratings: CARE AAA by CARE and CRISIL AAA/ Stable by CRISIL.

Lower Tier-II SubordinatedBonds (Fifth Series) 10.08.2006

Type of instrument: Unsecured, redeemable, non-convertible subordinated bonds in the nature of Promissory Note. These are plain vanilla bonds with no special features like put or call option.Otherdetails:

Amount : `.500 crTenure : 120 months maturing on: 10.08.2016Coupon : 9.15% (fixed, payable annually)Ratings: ICRA AAA/Stable by ICRA and CRISIL AAA/ Stable by CRISIL.

Lower Tier-II SubordinatedBonds 20.03.2012

Type of instrument: Unsecured, redeemable, non-convertible subordinated bonds in the nature of Promissory Note. These are plain vanilla bonds with no special features like put or call option.Otherdetails:

Amount : `.500 crTenure : 120 months maturing on: 20.03.2022Coupon : 9.02% (fixed, payable annually)Ratings: ICRA AAA/Stable by ICRA and CRISIL AAA/ Stable by CRISIL.

134

cklsy&IIIvuqikyd fV;j&IIckW.Ml 20-03-2015

foys[k dk izdkj% ½.k i=k dh izÑfr ds vuq#i vlqjf{kr] ekspuh; ,oa vifjofrZr cklsy III vuqikyd fV;j&II ckW.M~l fcuk iqV vkSj dky vkI'ku dsAvU; fooj.k%jkf'k % 200 djksM+ dwiu % 8-30% (fLFkj] okf"kZd ns;)vof/ % 120 ekg ifjiDork fnukad % 20-03-2025 jsfVax % bdjk }kjk 'AAA' (hyb) ,oa fØfly }kjk 'AAA'

Mh,iQ&16% bfDoVh & cSafdax cgh iksth iksth'kUl ds fy, çdVhdj.kxq.kkRed çdVhdj.k bfDoVh tksf[ke ds laca/ esa xq.kkRed çdVhdj.k vis{kk,a] ftlesa fuEufyf[kr 'kkfey gSa%

ftu ij iwath ykHk visf{kr gSa] vkSj ftUgsa lacaèkksa rFkk uhfrxr dkj.kksa lfgr vU; mís';ksa ds varxrZ fy;k x;k gSa ] ,slh èkkfjrkvksa ds chp Hksn Hkko] rFkk

dsoy og fuos'k tks cSad }kjk {ks=kh; xzkeh.k cSad (vkjvkjch) tks fd jktLFkku e#/kjk xzkeh.k cSad] esa uhfrxr çÑfr dk gSa] cSafdax cgh dh fLFkfr dk Hkkx gSA

cSafdax cgh esa bfDoVh èkkfjrkvksa ds ewY;kadu laca/h egRoiw.kZ uhfr;ksa ij ppkZA blesa egRoiw.kZ iwoZ&èkkj.kkvksa rFkk ewY;kadu dks çHkkfor djus okyh çFkkvksa rFkk bu çFkkvksa esa gq, egRoiw.kZ cnykoksa lfgr ç;qDr ys[kkadu rduhdsa vkSj ewY;kadu ç.kkfy;ka 'kkfey gksuh pkfg,A

,pVh,e Js.kh esa oxhZÑr fuos'kksa dks ,e-Vh-,e djus dh vko';drk ugha gS vkSj mUgsa vfèkxzg.k ykxr ij j[kk tk;sxk A ,pVh,e Js.kh esa fuos'kksa dh fcØh ij dksbZ ykHk igys ykHk vkSj gkfu [kkrs esa fy;k tk,xk rnksijkar ^iwath vkSj fjtoZ [kkrk* esa fofu;ksftr fd;k tk,xkA fcØh ij dksbZ Hkh gkfu] ykHk vkSj gkfu [kkrs esa j[kk tk;sxkA ifjiDork rd èkkfjr Js.kh esa j[ks x, ,oa cSafdax cgh esa oxhZÑr fuos'k] çk;ksftr {ks=kh; xzkeh.k cSad (vkjvkjch) tks fd jktLFkku e#/jk xzkeh.k cSad gS] esa cSad dk fuos'k gSaA

135

DF-16: Equities- Disclosure for Banking Book PositionsQualitative Disclosures:

The general qualitative disclosure requirement with respect to equity risk including:

Differentiation between holdings on which capital gains are expected and those taken under other objectives including for relationship and strategic reasons: and

The only investment forming part of Banking Book position is Bank’s investment made in RRB i.e. Rajasthan Marudhara Gramin Bank (RMGB) which is strategic in nature.

Discussion of important policies covering the valuation and accounting of equity holdings in the banking book. This includes the accounting techniques and valuation methodologies used, including key assumptions and practices affecting valuation as well as significant changes in these practices.

Investments classified under HTM category need not be marked to market and will be carried at acquisition cost. Any Profit on sale of investments in HTM category will be first taken to the Profit & Loss Account and thereafter will be appropriated to the ‘Capital & Reserve Account’. Any Loss on sale will be recognized in the Profit & Loss Account. Investments held under HTM category and classified in Banking Book position is the Bank’s investment in its sponsored Regional Rural Bank (RRB) i.e. Rajasthan Marudhara Gramin Bank (RMGB)

BASEL III Compliant Tier 2Bonds 20.03.2015

Type of instrument: Unsecured, redeemable, non-convertible Basel III compliant Tier 2 bonds for inclusion in tier 2 capital of the Bank, in the nature of Debentures. The Bonds do not have put or call option.Otherdetails:

Amount : `.200 crTenor : 10 years maturing on: 20.03.2025Coupon : 8.30% (fixed, payable annually)Ratings: ICRA AAA (hyb)/Stable by ICRA and CRISIL AAA/ Stable by CRISIL.

136

ek=kRed çdVhdj.k%

Øe la fooj.k (#i;s djksM+ esa)

1 dksVsM çfrHkwfr;ksa ds fy, fuos'kksa dk rqyu&i=k esa çdVu fd;k x;k ewY; rFkk mu fuos'kksa dk mfpr ewY;] lkotZuhd :i ls dksVsM 'ks;jewY;ksa dh rqyuk] tgka 'ks;j dh dher mfpr ewY; ls okLro esa vyx gSA

56.40

2 fuos'kksa ds çdkj vkSj Lo:i] ftlesa fuEufyf[kr ds :i oxhZÑr dh tk ldus okyh jkf'k 'kkfey gSa %& lkotZuhd :i ls ysu&nsu fd, x, rFkk& uhth :i ls èkkfjr

-

3 fjiksfVaZx vofèk eSa fcØh vkSj ifjlekiu ls mRiUu lap;h çkIr ykHk (gkfu;ka) -

4 dqy vçkIr ykHk (gkfu;ka) -

5 dqy çPNUu iquZewY;kadu ykHk (gkfu;ka) -

6 mi;ZqDr esa ls fV;j 1 rFkk@vFkok fV;j 2 esa 'kkfey dh xbZ jkf'k;ka -

7 cSad dh dk;iZ¼fr ds vuq:i mi;qDr fbDoVh lewgu }kjk foHkkftr iwath vis{kk,a vkSj ldy jkf'k;ka rFkk fbDoVh fuos'kksa dk çdkj] tks fofu;ked iwath vis{kkvksa ds laca/k esa fdUgh i;sZos{kh laØe.k ;k xzkaMiQknfjax çkoèkku çkoèkkuksa ds v/hu gksA

13.57

y cSad }kjk çk;ksftr vkjvkjch tks fd jktLFkku e#/kjk xzkeh.k cSad esa fd;k x;k mijksDr fuos'k :i;s 1-75 djksM+ dk bfDoVh fuos'k ,oa #i;s 54-65 djksM+ dk ckW.M esa fuos'k dk lekfo"V gSA

y {ks=kh; xzkeh.k cSad esa fuos'k ij 250% tksf[ke Hkkfjr gS ,oa iwath vko';drk fd x.kuk rnuqlkj dh xbZ gSA

Mh,iQ 17% ys[kkadu vkfLr;ka yhojst vuqikr ,Dlikstj vkdyu dk rqyukRed lkjka'k(:i, yk[k esa)

Øe la en 30.06.2015 30.09.2015 31.12.2015 31.03.2016

1 çdkf'kr foÙkh; fooj.kksa ds vuqlkj dqy lesfdr vkfLr;ka

10310229.75 10371764.17 10351721.41 11033627.04

2 cSafdax] foÙkh;] chek vFkok okf.kfT;d laLFkkvksa esa ,sls fuos'k ds fy, lek;kstu tks fofu;ked lesdu ds nk;js ds ckgj gks rFkk ys[kkadu ç;kstuksa ds fy, ftudk lesdu fd;k x;k gS

0.00 0.00 0.00 0.00

3 çorhZ ys[kkadu lajpuk ds vuqlkj rqyu i=k dh ekU;rk çkIr çR;;h vkfLr;ksa ds fy, lek;kstu ysfdu ftUgsa yhojst vuqikr ,Dlikstj vkdyu esa 'kkfey ugha fd;k x;k gS

0.00 0.00 0.00 0.00

4 MsjhosfVo foÙkh; fy[krksa ds fy, lek;kstu 95029.12 96530.69 85480.29 118457.97

5 çfrHkwfr;ksa ds foÙkh;u laca/h ysu&nsuksa ds fy, lek;kstu (vFkkZr jsiks vkSj blh rjg dh lqjf{kr mèkkj)

0.00 0.00 0.00 0.00

6 rqyui=ksrj enksa ds fy, lek;kstu (vFkkZr rqyui=ksrj ,Dlikstj dh jkf'k ds led{k ØsfMV esa :ikarj.k)

1849818.19 1919976.95 1841340.27 1968087.69

7 vU; lek;kstu 1180047.26 1218980.72 1198468.07 1331681.54

8 yhojst vuqikr ,Dlikstj 11075029.80 11169291.09 11080073.90 11788491.16

137

Quantitative Disclosures:

Sl. No. Item (` In Crore)

1 Value disclosed in the balance sheet of investments, as well as the fair value of those investments; for quoted securities, a comparison to publicly quoted shares vales where the share price is materially different from fair value.

56.40

2 The types and nature of investments, including the amount that can be classified as:Publicly traded; and Privately held

-

3 The cumulative realized gains (losses) arising from sales and liquidations in the reporting period.

-

4 Total unrealized gains (losses) -

5 Total latent revaluations gains (losses) -

6 Any amounts of the above included in Tier 1 and/or Tier 2 capital -

7 Capital requirements broken down by appropriate equity groupings, consistent with the bank’s methodology, as well as the aggregate amounts and the type of equity investments subject to any supervisory transition or grandfathering provisions regarding regulatory capital requirements.

13.57

y The above investment in Bank’s sponsored RRB i.e. Rajasthan Marudhara Gramin Bank (RMGB) comprises of equity investment of `1.75 Cr and investment in Bonds of `54.65 Cr.

y The investment in RRB is risk weighted @ 250% and capital requirement is computed accordingly.

DF- 17: Summary Comparison of Accounting Assets vs. Leverage Ratio Exposure Measure(` in Lakh)

Sl. No.

Item 30.06.2015 30.09.2015 31.12.2015 31.03.2016

1 Total consolidated assets as per published financial statements

10310229.75 10371764.17 10351721.41 11033627.04

2 Adjustment for investments in banking, financial, insurance or commercial entities that are consolidated for accounting purposes but outside the scope of regulatory consolidation

0.00 0.00 0.00 0.00

3 Adjustment for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure

0.00 0.00 0.00 0.00

4 Adjustment for derivative financial instruments

95029.12 96530.69 85480.29 118457.97

5 Adjustment for securities financing transactions (i.e. Repos and similar secured lending)

0.00 0.00 0.00 0.00

6 Adjustment for Off-balance sheet items (i.e. conversion to credit equivalent amounts of off-balance sheet exposures)

1849818.19 1919976.95 1841340.27 1968087.69

7 Other adjustments 1180047.26 1218980.72 1198468.07 1331681.54

8 Leverage ratio exposure 11075029.80 11169291.09 11080073.90 11788491.16

138

Mh,iQ 18% yhojst vuqikr lkekU; çdVhdj.k VsEIysV(:i, yk[k esa)

Øe la en 30.06.2015 30.09.2015 31.12.2015 31.03.2016

rqyui=k ij ekStwn ,Dlikstj

1 rqyui=k ij ekStwn ensa (MsjhosfVo rFkk ,l,iQVh dks NksM+dj ijarq laikf'kZ~od dks 'kkfey djrs gq,)

10310229.75 10371764.17 10351721.41 11033627.04

2 (cklsy III fV;j 1 iwath ds fuèkkZj.k esa ?kVkbZ xbZ vkfLr;ksa dh jkf'k)

-6761.00 -5749.00 -4609.00 -10294.57

3 rqyui=k ij ekStwn dqy ,Dlikstj (MsjhosfVo rFkk ,l,iQVh dks NksM+dj) (iafDr 1 vkSj 2 dk ;ksx)

10303468.75 10366015.17 10347112.41 11023332.47

MsjhosfVo ,Dlikstj4 leLr MsjhosfVo ysu&nsuksa ls tqMh çfrLFkkiu

ykxr (vFkkrZ ik=k udnh #ikarj.k ekftZu dk dqy tksM+)

20886.21 22281.95 15302.26 42390.45

5 leLr MsjhosfVo ysu&nsuksa ls tqM+s ih,iQbZ ds fy, iwjd jkf'k

74142.91 74248.74 70178.03 76067.52

6 çorhZ ys[kkadu lajpuk ds vuq:i rqyui=k vkfLr;ksa ls ?kVk, x, MsjhosfVo laikf'kZ~od ds fy, lexz çkoèkku

0.00 0.00 0.00 0.00

7 (MsjhosfVo ysu&nsuksa esa n'kkZ, x, udnh ?kV&c< ekftZu ds fy, çkI; vkfLr;ksa dh dVkSrh)

0.00 0.00 0.00 0.00

8 (xzkgd & lek'kksfèkr dkjksckjh ,Dlikstj ds fy, NwV çkIr lhlhih ysx)

0.00 0.00 0.00 0.00

9 fyf[kr ØsfMV MsjhosfVo ds fy, lek;ksftr çHkkoh vuqekfur jkf'k

0.00 0.00 0.00 0.00

10 (fyf[kr ØsfMV MsjhosfVo ds fy, lek;ksftr çHkkoh vuqekfur lejkf'k rFkk iwjd dVkSfr;ka)

0.00 0.00 0.00 0.00

11 dqy MsjhosfVo ,Dlikstj (iafDr la- 4 ls 10 dk tks)

95029.12 96530.69 85480.29 118457.97

çfrHkwfr foÙkiks"k.k ysu&nsu ,Dlikstj

12 ldy ,l,iQVh vkfLr;ka (usfVax ds fy, ekU; ugha)] fcØh ys[kkadu ysu&nsuksa dks lek;ksftr djus ds ckn

0.00 0.00 0.00 0.00

13 (ldy ,l,iQVh vkfLr;ksa ds fy, udn ns;jkf'k;ksa rFkk udn çkI; jkf'k;ksa dh fuoy jkf'k)

0.00 0.00 0.00 0.00

139

DF- 18: Leverage Ratio Common Disclosure Template(` in Lakh)

Sl. No. Item 30.06.2015 30.09.2015 31.12.2015 31.03.2016

On-balance sheet exposures

1 On-balance sheet items (excluding derivatives and SFTs, but including collateral)

10310229.75 10371764.17 10351721.41 11033627.04

2 (Asset amounts deducted in determining Basel III Tier 1 capital)

-6761.00 -5749.00 -4609.00 -10294.57

3 Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2)

10303468.75 10366015.17 10347112.41 11023332.47

Derivative exposures

4 Replacement cost associated with all derivatives transactions (i.e. net of eligible cash variation margin)

20886.21 22281.95 15302.26 42390.45

5 Add-on amounts for PFE associated with all derivatives transactions

74142.91 74248.74 70178.03 76067.52

6 Gross-up for derivatives collateral provided where deducted from the balance sheet assets pursuant to the operative accounting framework

0.00 0.00 0.00 0.00

7 (Deductions of receivables assets for cash variation margin provided in derivatives transactions)

0.00 0.00 0.00 0.00

8 (Exempted CCP leg of client-cleared trade exposures)

0.00 0.00 0.00 0.00

9 Adjusted effective notional amount of written credit derivatives

0.00 0.00 0.00 0.00

10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives)

0.00 0.00 0.00 0.00

11 Total derivative exposures (sum of lines 4 to 10)

95029.12 96530.69 85480.29 118457.97

Securities financing transaction exposures

12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting transactions

0.00 0.00 0.00 0.00

13 (Netted amounts of cash payables and cash receivables of gross SFT assets)

0.00 0.00 0.00 0.00

140

14 ,l,iQVh vkfLr;ksa ds fy, lhlhvkj ,Dlikstj

0.00 0.00 0.00 0.00

15 ,tsaV ysu&nsu ,Dlikstj 0.00 0.00 0.00 0.00

16 dqy çfrHkwfr foÙkiks"k.k ysu&nsu ,Dlikstj (iafDr)

0.00 0.00 0.00 0.00

vU; rqyui=ksrj ,Dlikstj

17 ldy vuqekfur jkf'k ij rqyui=ksrj ,Dlikstj

1849818.19 1919976.95 1841340.27 1968087.69

18 (½.k lerqY; jkf'k ds :ikarj.k ds fy, lek;kstu)

-1173286.26 -1213231.72 -1193859.07 -1321386.97

19 rqyui=ksrj ensa (iafDr la[;k 17 vkSj 18 dk tks)

676531.93 706745.23 647481.20 646700.72

iwath vkSj dqy ,Dlikstj

20 fV;j 1 iwath 607973.41 608985.41 610125.41 675451.75

21 dqy ,Dlikstj (iafDr la[;k 3] 11] 16 vkSj 19 dk tks)

11075029.80 11169291.09 11080073.90 11788491.16

yhojst vuqikr

23 cklsy III yhojst vuqikr 5.49% 5.45% 5.51% 5.73%

141

Sl. No.

Item 30.06.2015 30.09.2015 31.12.2015 31.03.2016

14 CCR exposure for SFT assets 0.00 0.00 0.00 0.00

15 Agent transaction exposures 0.00 0.00 0.00 0.00

16 Total securities financing transaction exposures (sum of lines 12 to 15)

0.00 0.00 0.00 0.00

Other off-balance sheet exposures

17 Off-balance sheet exposure at gross notional amount

1849818.19 1919976.95 1841340.27 1968087.69

18 (Adjustments for conversion to credit equivalent amounts)

-1173286.26 -1213231.72 -1193859.07 -1321386.97

19 Off-balance sheet items (sum of lines 17 and 18)

676531.93 706745.23 647481.20 646700.72

Capital and total exposures

20 Tier 1 capital 607973.41 608985.41 610125.41 675451.75

21 Total exposures (sum of lines 3, 11, 16 and 19)

11075029.80 11169291.09 11080073.90 11788491.16

Leverage ratio

23 Basel III leverage ratio (per cent) 5.49% 5.45% 5.51% 5.73%

142

ifjf'k"V&1

vutZd vkfLr;ka ifjHkk"kk,axSj&fu"ikfnr vkfLr;kaiV~VkÑr vkfLr lfgr ,d ,slh vkfLr rc xSj&fu"ikfnr gks tkrh gS] tc og cSad ds fy, vk; vtZu djuk cUn dj nsrh gSA

dksbZ Hkh ½.k ;k vfxze xSj&fu"ikfnr vkfLr gks tkrk gS tc%

fe;knh ½.k ds lEcU/ esa C;kt vkSj@vFkok ewy/u dh fd'rsa 90 fnuksa ls vf/d gksus ij vfrns; gks tkrh gSaA

vf/fod"kZ@udn lk[k esa lEcfU/r [kkrk vfu;fer gks tkrk gSA

Ø; fd;s x;s ,oa cV~VkÑr fcyksa ds ekeys esa dksbZ fcy 90 fnuks ls vf/d dh vof/ ds fy, vfrns; gks tkrk gSA

vYikof/ iQlyh ½.kksa ds ekeys esa ewy/u dh fd'rsa vFkok ml ij C;kt nks iQlyh ekSleksa rd vfrns; iM+k jgrk gSA

fn?kkZof/ iQlyh ½.kksa ds ekeys esa ewy/u dh fd'r vFkok ml ij C;kt ,d iQlyh ekSle rd vfrns; iM+k jgrk gSA

01 iQjojh] 2006 dks tkjh fd, x, izfrHkwfrdj.k ij fn'kk&funsZ'kksa ds vuqlkj fd, x, izfrHkwfrdj.k ysu&nsu ds laca/ esa pyufof/ lqfo/k dh jkf'k 90 fnu ls vf/d ds fy, cdk;k jgs rksA

MsfjosfVo ysu&nsu ds ekeys esa fdlh MsfjosfVo lafonk dk ldkjkRed cktkj vk/kfjr ewY; n'kkZus okyh vfrns; izkIr jkf'k;ka ;fn Hkqxrku dh fufnZ"V ns; rkjh[k ls 90 fnu dh vof/ rd cdk;k jg tk,aA

vxj fdlh frekgh ds nkSjku izHkkfjr C;kt ml frekgh dh lekfIr ls 90 fnuksa esa iw.kZr;k olwy ugha gksrk gS] rc ml [kkrs dks xSj&fu"ikfnr vkfLr;s ds #i esa oxhZÑr fd;k tkrk gSA

^vfu;fer fLFkfr*vxj fdlh [kkrs esa cdk;k jkf'k LohÑr lhek@vkgj.k lhek ls vkf/D; esa yxkrkj iM+h jgrh gS rc ml [kkrs dks vfu;fer [kkrk dgk tkrk gSA mu ekeyksa esa tgka ewy ifjpkyu [kkrs es cdk;k jkf'k vkgj.k lhek ls de gS] ysfdu ;k rks ml [kkrs esa yxkrkj 90 fnuksa rd dksbZ tek izkIr ugha gqbZ ;k mlh vof/ ds nkSjku ukes dh xbZ C;kt dh jkf'k tek dh xbZ jkf'k }kjk iw.kZr;k f'kf/r ugha gksrh] rc ,slh [kkrksa dks vfu;fer [kkrksa ds :i esa tkuk tkrk gSA

^vfrns;*% fdlh Hkh lqfo/k d v/hu cSad dh cdk;k jkf'k vfrns; dgykrh gS] vxj ml jkf'k dk Hkqxrku cSad dks fu;r frfFk rd ugha d;k tkrk gSA

ifjf'k"V&II

143

Appendix - I

DEFINITIONS OF IMPAIRED ASSETS

Non-performing assetsAn asset, including a leased asset, becomes non-performing when it ceases to generate income for the bank.

Non-Performing Asset (NPA) is a loan or an advance where:

Interest and/ or installments of principal remain overdue for a period of more than 90 days in respect of a Term Loan,

The account remains ‘out of order’, in respect of an Overdraft/ Cash Credit (OD/ CC),

The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted,

The installment of principal or interest thereon remains overdue for two crop seasons for short duration crops,

The installment of principal or interest thereon remains overdue for one crop seasons for long duration crops,

The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitisation transaction undertaken in terms of guidelines on securitisation dated February 1, 2006.

In respect of derivative transactions, the overdue receivables representing positive mark-to-market value of a derivative contract, if these remain unpaid for a period of 90 days from the specified due date for payment.

In case the interest due & charged during any quarter is not serviced fully within 90 days from the end of the quarter the account is classified as NPA

'Out of order' status

An account is treated as 'out of order' if the outstanding balance remains continuously in excess of the sanctioned limit/ drawing power. In cases where the outstanding balance in the principal operating account is less than the sanctioned limit/ drawing power, but either there are no credits continuously for 90 days in the account as on the date of balance sheet or the credits are not enough to cover the interest debited during the same period, these accounts are also treated as ‘out of order’.

Overdue: Any amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank.

Appendix - II

144

145

146

Lok;Ùk ys[kk ijh{kdksa dk izfrosnuHkkjrh; LVsV cSaad dks

foRrh; foojf.k;ksa ij izfrosnu

ge] Hkkjrh; LVsV cSd (leuq"kaxh cSad) vf/fu;e] 1959 dh /kjk 41(1) ds rgr fu;qDr LVsV cSad vkWiQ chdkusj ,.M t;iqj (,rn~i'pkr ¶cSad¸ ds :i esa lanfHkZr gS) ds v/ksgLrk{kjdrkZ vads{kdx.k] ,l-ch-ch-ts- ds 31 ekpZ] 2016 ds rqyu&i=k ,oa blh frfFk dks lekIr o"kZ ds ykHk&gkfu [kkrs vkSj udnh izokg fooj.k dk izfrosnu izLrqr djrs gSaA

1- geus ¶cSad¸ ds 31 ekpZ 2016 dh layXu foÙkh; foojf.k;ksa] ftuesa 31 ekpZ] 2016 dk rqyu i=k ,oa blh frfFk dks lekIr o"kZ ds fy;s ykHk&gkfu [kkrk rFkk lekIr o"kZ dk udnh izokg fooj.k ,oa egRoiw.kZ ys[kk uhfr;ksa dk lkjka'k o vU; Li"Vhdj.k lwpuk,a 'kkfey gSa] dh ys[kk ijh{kk dh gSA bu foRrh; foojf.k;ksa esa 20 'kk[kkvksa ,oa 8 vU; dk;kZy;ksa dk vads{kd gekjs }kjk fd;k x;k gS rFkk 753 'kk[kkvksa ,oa 13 izfØ;kxr dsUnzksa dk vads{k.k 'kk[kk vads{kdksa }kjk fd;k x;k gSA gekjs }kjk rFkk vU; vads{kdksa }kjk vadsf{kr 'kk[kkvksas dk p;u] cSad }kjk] Hkkjrh; fjt+oZ cSad }kjk tkjh fn'kk&funsZ'kksa ds vuq:i fd;k x;k gSA rqyu&i=k ,oa ykHk&gkfu fooj.kh esa 545 'kk[kkvksa ,oa 48 izfØ;kxr dsUnzksa o 9 vU; dk;kZy;ksa dh foojf.k;ka Hkh lfEefyr gSa tks ys[kk ijh{kk ds v/hu ugha gSA bu vuvadsf{kr 'kk[kkvksa esa vfxzeksa dk 6-72%, fu{ksiksa dk 14-34%] C;kt ls vk; dk 4-36% rFkk O;; fd;s x;s C;kt dk 12-67% ys[kkadu esa lfEefyr gSA

foRrh; foojf.k;ksa ds fy;s izcU/u dk mRrjnkf;Ro

2- foRrh; foojf.k;ksa dks cSaddkjh fofu;eu vf/fu;e 1949] Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e] 1959 rFkk buds varxZr cuk;s x;s fofu;eksa ,oa Hkkjrh; lunh ys[kkdkj laLFkku (vkbZ-lh-,-vkbZ) ds fu/kZfjr ys[kk ekudksa rFkk ftl lhek rd os ys[kk uhfr;ksa ds laxr ugha gS rFkk le;&le; ij Hkkjrh; fjt+oZ cSad ls tkjh fn'kk&funsZ'kksa dh vuqikyuk ds vuq:i rS;kj djus dk mRrjnkf;Ro izcU/u dk gSA bl mRrjnkf;Ro esa foÙkh; fooj.kksa dks rS;kj djus gsrq izk:i] dk;kZUo;u rFkk vkUrfjd fu;a=k.k dk j[k&j[kko 'kkfey gS] tks egRoiw.kZ feF;kdFku pkgs og diV vFkok =kqVho'k gksa] ls eqDr gSA

ys[kk ijh{kdksa dk mÙkjnkf;Ro

3- gekjk mRrjnkf;Ro bu foÙkh; fooj.kksa ij gekjs vads{k.k ds vk/kj ij jk; izLrqr djuk gSA gekjs }kjk vads{k.k Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh vads{k.k ekudksa ds vuqlkj fd;k x;k gSA bu ekudksa ds vuqlkj gesa uhfrxr vko';drkvksa rFkk ;kstuk dk ikyu djrs gq, foÙkh; fooj.kksa ds egRoiw.kZ feF;kdFku ls eqDr gksus dks lqfuf'pr djus gsrq vads{k.k djuk gS

4- ys[kk ijh{kk eas foRrh; fooj.kksa ds fy, jkf'k;ksa rFkk izdVhdj.k gsrq rF;ksa dks izkIr djus dh fu"ikfnr fØ;k fof/ fufgr gSA p;fur fØ;k fof/ vads{kd ds foosd ij fuHkZj gS tks foRrh; fooj.kkas eas egRoiw.kZ feF;kdFku pkgs os diV ,oa =kqfV ds dkj.k gks] dh tksf[ke ds fu/kZj.k lfgr gSA bu tksf[keksa ds fu/kZj.k esa vads{k.k izfØ;k dk izk:i rS;kj djus ds Øe esa laLFkk dh rS;kjh ls lEcfU/r vkUrfjd fu;U=k.k rFkk foRrh; fooj.kksa ds mfpr izLrqrhdj.k ij vads{kd fopkj djrk gS tks ifjfLFkfr;ksa ds vuqdqy mi;qDr gS fdUrq vkUrfjd fu;a=k.k dh fo|ekurk dh izHkko 'khyrk ij ,d vfHker dh vfHkO;fDr ds mn~ns'; ds fy, ugha gSA iz;qDr ys[kkadu uhfr;ksa dh mi;qDrrk dk ewY;kadu rFkk izcU/u }kjk ys[kk vuqekuksa dh ;qfDrlaxrrk ds lkFk&lkFk foRrh; fooj.kksa ds lEiw.kZ izLrqrhdj.k dk ewY;kadu Hkh ys[kk ijh{kk esa 'kkfey gSA

5- gesa fo'okl gS fd gekjs }kjk izkIr fd;s x;s vads{k.k lk{; i;kZIr rFkk ys[kk ijh{kk ij gekjh jk; ds fy;s mi;qDr vk/kj iznku djrs gSaA

vfHker6- cSad dh cfg;ksa esa n'kkZ;s x;s rFkk gesa iznÙk loksZÙke tkudkjh ,oa Li"Vhdj.kksa ds vuqlkj gekjh jk; esa

(i) fVIif.k;ksa ds lkFk i<+s tkus ij ;g rqyu&i=k leLr vko';d fooj.kksa lfgr iw.kZ ,oa mfpr rqyu i=k gS vkSj bls

147

INDEPENDENT AUDITORS’ REPORT

The State Bank of India

REPORT ON THE FINANCIAL STATEMENTS

We, the undersigned Auditors of State Bank of Bikaner & Jaipur (hereinafter referred to as ‘Bank’), appointed under section 41(1) of the State Bank of India (Subsidiary Banks) Act, 1959, do hereby report on the Balance Sheet as at 31st March, 2016, the Profit and Loss Account and the Cash Flow Statement of SBBJ for the year ended on that date:-

1. We have audited the accompanying financial statements of the Bank as at 31st March, 2016, which comprise the Balance Sheet as at March 31, 2016, Profit and Loss Account and the Cash Flow Statement for the year then ended, and a summary of Significant Accounting Policies and other explanatory information. Incorporated in these financial statements are the returns of 20 branches and 8 other offices audited by us and 753 branches and 13 processing centres audited by the branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Profit and Loss Account are the returns from 545 branches, 48 processing centres and 9 other offices, which have not been subjected to audit. These unaudited branches, processing centres and other offices account for 6.72% of Advances, 14.34% of Deposits, 4.36% of Interest Income and 12.67% of Interest Expenses of the bank.

MANAGEMENT’S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS

2. Management of the Bank is responsible for the preparation of these financial statements in accordance with The Banking Regulation Act, 1949, State Bank of India (Subsidiary Banks) Act, 1959 and regulations framed thereunder, the applicable Accounting Standards issue by the Institute of Chartered Accountants of India (‘ICAI’) and in compliance of the guidelines issued by the Reserve Bank of India (‘RBI’) from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.

AUDITORS’ RESPONSIBILITY:

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatements.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor's judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Company’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of entity’s internal control. An audit also includes evaluating the appropriateness of Accounting Policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our Audit opinion.

OPINION

6. In our opinion, as shown by books of bank, and to the best of our information and according to the explanations given to us:

(i) The Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the

148

31 ekpZ] 2015 dks cSad ds dk;ksZa dh okLrfod ,oa mfpr fLFkfr iznf'kZr djus ds fy, leqfpr :i ls rS;kj fd;k x;k gS ,oa Hkkjr esa lkekU;r% Lohd`r ys[kk fl¼kUrksa ds vuq:i gSA

(ii) ykHk&gkfu [kkrk ftls mldh fVIif.k;ksa ds lkFk i<+k tk;s] tks Hkkjr esa lkekU;r% Lohd`r ys[kk fl¼kUrksa ds vuq:i gS] ys[kk o"kZ gsrq ;FkkFkZ ykHk dk 'ks"k n'kkZrk gSA

(iii) o"kZ lekfIr frfFk dks udnh izokg fooj.k] udnh izokg dh okLrfod ,oa mfpr fLFkfr iznf'kZr djrk gSA

vU; fof/d ,oa fofu;ked vko';drkvkas ij fjiksVZ

7- rqyu&i=k ,oa ykHk&gkfu [kkrs cSaddkjh fofu;eu vf/fu;e 1949 dh r`rh; vuqlwph izi=k Øe'k% ^v ,oa c* ds vuqlkj cuk;s x;s gSaA

8- mi;ZqDr iSjk 1 ls 5 esa iznf'kZr ys[kk ijh{k.k dh lhekvksa] ftUgsa [kkrksa ij dh xbZ fVIif.k;ksa ds izdVhdj.k ds lkFk i<+k tk, rFkk Hkkjrh; LVsV cSad (leuq"kaxh cSad) vf/fu;e 1959 dh vko';drk ds vuqlkj muesa izdVhdj.k dh vko';d lhekvksa ds vuqlkj ge izfrosnu djrs gSa fd%&

v) geus ,slh lHkh lwpuk,a ,oa Li"Vhdj.k] tks gekjh loksZre tkudkjh ,oa fo'okl ds vuqlkj gekjs vads{k.k ds mn~ns'; ls vko';d Fkh] izkIr dh ,oa geus mUgsa larks"ktud ik;kA

c) cSad ds tks Hkh ysu&nsu gekjh tkudkjh esa vk;s gSa] os cSad ds vf/dkj {ks=k esa jgs gSaaA

l) cSad dh 'kk[kkvksa ,oa dk;kZy;ksa ls izkIr foojf.k;ka] gekjs vads{k.k iz;kstu ds fy, lkekU;r% i;kZIr ik;h x;h gSA

9- ge vkxs izfrosnu izLrqr djrs gSa fd%

v) bl izfrosnu gsrq iz;qDr rqyu i=k ,oa ykHk&gkfu [kkrk ys[kk iqLrdksa rFkk foojf.k;ksa ds vuqlkj gSaA

c) cSafdax fofu;eu vf/fu;e 1949 dh /kjk 29 ds rgr cSad ds 'kk[kk vads{kdksa }kjk vadsf{kr 'kk[kk dk;kZy;ksa ds ys[kksa ds izfrosnu gesa izsf"kr fd;s x;s Fks] ftUgsa gekjs }kjk bl izfrosnu dks rS;kj djus gsrq iz;qDr fd;k x;k gSA

l) gekjh jk; esa rqyu i=k] ykHk&gkfu [kkrk ,oa udnh izokg fooj.kh] ykxw ys[kk ekudksa dh vuqikyuk djrs gSA

LFkku% eqacbZ] vizSy 29] 2016

okLrs dkykuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000722 lh(lh, fodkl xqIrk)

(l-l- 077076) lk>snkj

okLrss ds ds lksuh ,.M da- lunh ys[kkdkj

iQeZ iatdj.k la[;k 000947 ,u(lh, lUr lqtkr lksuh)

(l-l- 094227) lk>snkj

okLrs egs'k lh lksyadh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 006228 lh(lh, egs'k lksyadh)

(l-l- 074991) lk>snkj

okLrs vkj ,l ih ,p ,.M ,lksfl,Vl

lunh ys[kkdkj iQeZ iathdj.k la[;k 003013 ,u

(lh, jkt dqekj c=kk) (l-l- 006458)

lk>snkj

149

necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March 2016 in conformity with accounting principles generally accepted in India;

(ii) The Profit and Loss Account, read with the notes thereon shows a true balance of profit in conformity with accounting principles generally accepted in India, for the year covered by the account; and

(iii) The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

REPORT ON OTHER LEGAL AND REGULATORY REQUIREMENTS

7. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A” and “B” respectively of the Third Schedule to the Banking Regulation Act, 1949.

8. Subject to the limitations of the audit indicated in paragraph 1 to 5 above read with disclosures in Notes on Accounts and as required by the State Bank of India (Subsidiary Banks) Act, 1959 with the limitations of disclosure required therein, we report that:

(a) We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary 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 our audit.

9. We further report that:

(a) The Balance Sheet and Profit and Loss account dealt with by this report are in agreement with the books of account and returns;

(b) The reports on the accounts of the branch offices audited by branch auditors of the Bank under section 29 of the Banking Regulation Act, 1949 have been sent to us and have been properly dealt with by us in preparing this report;

(c) In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.

Place: Mumbai29th April, 2016

For Kalani & Co.Chartered Accountants

FR NO. 000722C

(CA Vikas Gupta)(M.No. 077076 )

Partner

For K K Soni & Co. Chartered Accountants

FR NO.000947N

(CA Sant Sujat Soni)(M.No.094227)

Partner

For Mahesh C Solanki & Co.Chartered Accountants

FR NO.006228C

(CA Mahesh Solanki)(M.No.074991)

Partner

For R S P H & AssociatesChartered Accountants

FR NO.003013N

(CA Raj Kumar Batra)(M.No.006458)

Partner

150

LVsV cSad vkWiQ chdkusj ,.M t;iqj dk 31 ekpZ] 2016 dh fLFkfr ds vuqlkj rqyu&i=k BALANCE SHEET OF STATE BANK OF BIKANER AND JAIPUR AS ON 31ST MARCH, 2016

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

vuqlwph Schedule

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

iw¡th vkSj nkf;RoCAPITAL and LIABILITIES

iw¡thCapital

1 70,00,00 70,00,00

vkjf{kr fufèk;ka vkSj vf/'ks"kReserves and Surplus

2 66,72,79,62 59,42,67,71

fu{ksiDeposits

3 9,40,04,84,64 8,42,39,27,37

m/kjBorrowings

4 48,88,35,53 75,73,39,09

vU; nkf;Ro rFkk izko/kuOther liabilities and provisions

5 47,00,27,25 44,76,20,01

;ksx / TOTAL : 11,03,36,27,04 10,23,01,54,18

vkfLr;kaASSETS

udnh vkSj Hkkjrh; fj”koZ cSad esa vfr'ks"kCash and balances with Reserve Bank of India

6 97,15,18,69 77,87,19,89

cSadksa esa vfr'ks"k vkSj ekax ij rFkk vYi lwpuk ij izkI; /uBalances with banks and moneyat call and short notice

7 1,07,67,58 1,49,65,70

fofuos'kInvestments

8 2,47,82,37,46 2,21,38,62,33

vfxzeAdvances

9 7,29,27,46,31 6,95,48,42,23

vpy lEifÙk;kaFixed Assets

10 3,98,57,39 3,92,71,48

vU; vkfLr;kaOther Assets

11 24,04,99,61 22,84,92,55

;ksx / TOTAL : 11,03,36,27,04 10,23,01,54,18

151

vuqlwph Schedule

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

vkdfLed ns;rk,aContingent liabilities

12 5,02,36,29,02 4,46,57,37,81

laxzg.k gsrq fcyBills for Collection

11,78,23 10,45,05

izeq[k ys[kk uhfr;kaPrincipal Accounting Policies

17

[kkrksa ij fVIif.k;kaNotes on Accounts

18

LVsV cSad vkWiQ chdkusj ,.M t;iqj dk 31 ekpZ] 2016 dh fLFkfr ds vuqlkj rqyu&i=k BALANCE SHEET OF STATE BANK OF BIKANER AND JAIPUR AS ON 31ST MARCH, 2016

iwokZuqc¼ / Contd. (‘000 dks NksM+ fn;k x;k gS)

(‘000 omitted)

T;ksfr ?kks"kizcU/ funs'kdJYOTI GHOSH

MANAGING DIRECTOR

v#Uèkfr HkV~Vkpk;Zvè;{k

ARUNDHATI BHATTACHARYACHAIRMAN

oh- Jhfuoklueq[; egkizcU/d

(okf.kfT;d cSafdx)V. SRINIVASAN

CHIEF GENERAL MANAGER(COMMERCIAL BANKING)

,l- oSadVjkeueq[; egkizcU/d([kqnjk cSafdax)

S. VENKATARAMANCHIEF GENERAL MANAGER

(RETAIL BANKING)

,l- ds- fcM+ykmi egkizcU/d(foÙk ,oa ys[kk)

S.K. BIRLADY. GENERAL MANAGER(FINANCE & ACCOUNTS)

jes'k pUnz [kqYcSegkizcU/d

(dks"k] foÙk ,oa ys[kk),oa eq[; foÙkh; vf/dkjh

RAMESH CHANDRA KHULBEGENERAL MANAGER

(TREASURY, F&A) & CFO

okLrs dkykuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000722 lh(lh, fodkl xqIrk)

(l-l- 077076) lk>snkj

okLrss ds ds lksuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000947 ,u(lh, lUr lqtkr lksuh)

(l-l- 094227) lk>snkj

okLrs egs'k lh lksyadh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 006228 lh(lh, egs'k lksyadh)

(l-l- 074991) lk>snkj

okLrs vkj ,l ih ,p ,.M ,lksfl,V~l lunh ys[kkdkj

iQeZ iathdj.k la[;k 003013 ,u(lh, jkt dqekj c=kk)

(l-l- 006458) lk>snkj

blh fnukad dh gekjh vyx fjiksVZ ds vuqlkj

As per our separate report of even date

oh-th- dUuuV.G. KANNAN

jfo uUnu lgk;RAVI NANDAN SAHAY

xqykc flagGULAB SINGH

fgedj jkepUnz JhokLroHIMKAR RAMCHANDRA SRIVASTAVA

jru dqekj :axVkRATAN KUMAR ROONGTA

oh-ds- eksaxkV.K. MONGA

ekyfodk flUgkMALVIKA SINHA

Hkkjr jruBHARAT RATTAN

v#.k dwyokyARUN KOOLWAL

eqEcbZ29-04-2016

For Kalani & Co.Chartered Accountants

FR NO. 000722C

(CA Vikas Gupta)(M.No. 077076 )

Partner

For K K Soni & Co. Chartered Accountants

FR NO.000947N

(CA Sant Sujat Soni)(M.No.094227)

Partner

For Mahesh C Solanki & Co.Chartered Accountants

FR NO.006228C

(CA Mahesh Solanki)(M.No.074991)

Partner

For R S P H &AssociatesChartered Accountants

FR NO.003013N

(CA Raj Kumar Batra)(M.No.006458)

Partner

funs'kd DIRECTORS

152

31 ekpZ] 2016 dks lekIr o"kZ ds fy, ykHk vkSj gkfu [kkrk PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2016

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

vuqlwph Schedule

31-03-2016 dks lekIr o"kZ

Year ended 31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended 31.03.2015

`I. vk;

INCOMEvftZr C;ktInterest earned

13 95,92,47,28 90,05,45,18

vU; vk;Other income

14 10,57,04,92 9,26,39,17

;ksx / TOTAL : 1,06,49,52,20 99,31,84,35

II. O;;EXPENDITUREO;; fd;k x;k C;ktInterest expended

15 62,88,13,29 60,64,01,71

ifjpkyu O;;Operating expenses

16 20,56,35,50 17,63,71,37

çko/ku vkSj vkdfLed O;;Provisions and contingencies

14,54,43,44 13,27,24,12

;ksx / TOTAL : 97,98,92,23 91,54,97,20

III. ykHkPROFITo"kZ dk 'kq¼ ykHkNet Profit for the year

8,50,59,97 7,76,87,15

vxzuhr ykHkProfit brought forward

3 2

;ksx / TOTAL 8,50,60,00 7,76,87,17

IV. fofu;kstuAPPROPRIATIONSoSèkkfud vkjf{kr fufèk;ksa dks vUrj.kTransfer to Statutory Reserves

2,55,18,00 2,33,06,15

iwath vkjf{kr fufèk;ksa dks vUrj.kTransfer to Capital Reserves

14,90,28 10,50,56

fofuos'k vkjf{kr fufèk;ksa dks vUrj.kTransfer to Investment Reserves

0 5,33,29

vk;dj vfèkfu;e dh èkkjk 36 (i) (viii) ds vUrxZr fo'ks"k vkjf{kr fufèk;ksa dks vUrj.kTransfer to Special Reserve U/S 36(i)(viii) of ITAct

73,36,00 71,35,00

jktLo ,oa vU; vkjf{kr fufèk;ksa dks vUrj.kTransfer to Revenue and Other Reserves

3,86,67,65 3,36,51,00

izLrkfor@vUrfje ykHkka'k* 1,00,10,00 1,00,10,00Proposed/Interim Dividend*

153

vuqlwph Schedule

31-03-2016 dks lekIr o"kZ

Year ended 31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended 31.03.2015

`ykHkka'k djDividend Tax

20,38,06 20,01,14

ykHk ,oa gkfu [kkrs dk vfr'ks"k rqyu i=k esa ys tk;k x;kBalance of Profit & Loss Account carried to Balance Sheet

1 3

;ksx / TOTAL 8,50,60,00 7,76,87,17izfr 'ks;j ewy vtZu (` esa)Basic Earnings per Share (in `)

121.51 110.98

izfr 'ks;j vofefJr vtZu (` esa)Diluted Earnings per Share (in `)

121.51 110.98

izeq[k ys[kk uhfr;kaPrincipal Accounting Policies

17

[kkrkas ij fVIif.k;kaNotes on Accounts

18

* foxr o"kZ esa vUrfje* Interim in the previous year

31 ekpZ] 2016 dks lekIr o"kZ ds fy, ykHk vkSj gkfu [kkrk PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2016

iwokZuqc¼ / Contd.(‘000 dks NksM+ fn;k x;k gS)

(‘000 omitted)

T;ksfr ?kks"kizcU/ funs'kdJYOTI GHOSH

MANAGING DIRECTOR

v#Uèkfr HkV~Vkpk;Zvè;{k

ARUNDHATI BHATTACHARYACHAIRMAN

oh- Jhfuoklueq[; egkizcU/d

(okf.kfT;d cSafdx)V. SRINIVASAN

CHIEF GENERAL MANAGER(COMMERCIAL BANKING)

,l- oSadVjkeueq[; egkizcU/d([kqnjk cSafdax)

S. VENKATARAMANCHIEF GENERAL MANAGER

(RETAIL BANKING)

,l- ds- fcM+ykmi egkizcU/d(foÙk ,oa ys[kk)

S.K. BIRLADY. GENERAL MANAGER(FINANCE & ACCOUNTS)

jes'k pUnz [kqYcSegkizcU/d

(dks"k] foÙk ,oa ys[kk),oa eq[; foÙkh; vf/dkjh

RAMESH CHANDRA KHULBEGENERAL MANAGER

(TREASURY, F&A) & CFO

okLrs dkykuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000722 lh(lh, fodkl xqIrk)

(l-l- 077076) lk>snkj

okLrss ds ds lksuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000947 ,u(lh, lUr lqtkr lksuh)

(l-l- 094227) lk>snkj

okLrs egs'k lh lksyadh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 006228 lh(lh, egs'k lksyadh)

(l-l- 074991) lk>snkj

okLrs vkj-,l-ih-,p- ,.M ,lksfl,Vl lunh ys[kkdkj

iQeZ iathdj.k la[;k 003013 ,u(lh, jkt dqekj c=kk)

(l-l- 006458) lk>snkj

blh fnukad dh gekjh vyx fjiksVZ ds vuqlkj

As per our separate report of even date

oh-th- dUuuV.G. KANNAN

jfo uUnu lgk;RAVI NANDAN SAHAY

xqykc flagGULAB SINGH

fgedj jkepUnz JhokLroHIMKAR RAMCHANDRA SRIVASTAVA

jru dqekj :axVkRATAN KUMAR ROONGTA

oh-ds- eksaxkV.K. MONGA

ekyfodk flUgkMALVIKA SINHA

Hkkjr jruBHARAT RATTAN

v#.k dwyokyARUN KOOLWAL

funs'kd DIRECTORS

eqEcbZ29-04-2016

For Kalani & Co.Chartered Accountants

FR NO. 000722C

(CA Vikas Gupta)(M.No. 077076 )

Partner

For K K Soni & Co. Chartered Accountants

FR NO.000947N

(CA Sant Sujat Soni)(M.No.094227)

Partner

For Mahesh C Solanki & Co.Chartered Accountants

FR NO.006228C

(CA Mahesh Solanki)(M.No.074991)

Partner

For R S P H &AssociatesChartered Accountants

FR NO.003013N

(CA Raj Kumar Batra)(M.No.006458)

Partner

154

vuqlwph 1 iw¡thSCHEDULE 1 CAPITAL

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

çkf/Ñr iw¡th(`10/- izfr 'ks;j okys 50]00]00]000 bZfDoVh 'ks;j)

Authorised Capital(50,00,00,000 equity shares of `10/- each)

5,00,00,00 5,00,00,00

fuxZfer iw¡th(`10/- izfr 'ks;j okys 7]00]00]000 bZfDoVh 'ks;j)

Issued Capital(7,00,00,000 equity shares of `10/- each)

70,00,00 70,00,00

vfHknRr] vkgwr rFkk iznÙk iw¡th(` 10/- izfr 'ks;j okys 7]00]00]000 bZfDoVh 'ks;j)

Subscribed, Called-up & Paid-up Capital(7,00,00,000 equity shares of `10/- each)

70,00,00 70,00,00

;ksx / TOTAL : 70,00,00 70,00,00

155

vuqlwph 2 vkjf{kr fufèk;ka vkSj vf/'ks"k SCHEDULE 2 RESERVES & SURPLUS

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015I. oS/kfud vkjf{kr fufèk;k¡ / Statutory Reserves ` `

vFk'ks"kOpening Balanceo"kZ ds nkSjku ifjo/Zu

19,45,03,03 17,11,96,88

Additions during the yearo"kZ ds nkSjku dVkSfr;ka

2,55,18,00 2,33,06,15

Deductions during the year 0 0;ksx / TOTAL : 22,00,21,03 19,45,03,03

II. iw¡th vkjf{kr fufèk;k¡ / Capital ReservesvFk'ks"kOpening Balance

83,88,27 73,37,71

o"kZ ds nkSjku ifjo/ZuAdditions during the year

14,90,28 10,50,56

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

;ksx / TOTAL : 98,78,55 83,88,27III. 'ks;j izhfe;e / Share Premium

vFk'ks"kOpening Balance

8,66,64,49 8,66,64,49

o"kZ ds nkSjku ifjo/ZuAdditions during the year

0 0

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

;ksx / TOTAL : 8,66,64,49 8,66,64,49IV. fofuos'k vkjf{kr fufèk;k¡/ Investment Reserves

vFk'ks"kOpening Balance

53329 0

o"kZ ds nkSjku ifjo/ZuAdditions during the year

0 5,33,29

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

;ksx / TOTAL : 5,33,29 5,33,29V. jktLo ,oa vkjf{kr fufèk;k¡/ Revenue & Other Reserves

vFk'ks"kOpening Balance

28,26,05,60 24,89,54,60

o"kZ ds nkSjku ifjo/ZuAdditions during the year

3,86,67,65 3,36,51,00

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

;ksx / TOTAL : 32,12,73,25 28,26,05,60VI. vk;dj vf/fu;e dh /kjk 36 (i) (viii) ds vUrxZr fo'ks"k vkjf{kfr;k¡

Special Reserve U/S 36 (i)(viii) of ITActvFk'ks"kOpening Balanceo"kZ ds nkSjku ifjo/Zu

2,15,73,00 1,44,38,00

Additions during the yearo"kZ ds nkSjku dVkSfr;ka

73,36,00 71,35,00

Deduction during the year 0 0;ksx / TOTAL : 2,89,09,00 2,15,73,00

VII. ykHk vkSj gkfu [kkrs dk vfr'ks"k 1 3Balance in Profit & LossAccount;ksx % (I, II, III, IV, V, VI ,oa VII) / TOTAL (I, II, III. IV, V, VI and VII) 66,72,79,62 59,42,67,71

156

vuqlwph 3 fu{ksi SCHEDULE 3 DEPOSITS

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

d-A.

I. ekax fu{ksiDemand Depositsi) cSadkas ls / From banks 2,37,61,99 2,56,57,04ii) vU; ls / From others 48,20,74,84 39,31,01,06

II. cpr cSad fu{ksiSavings Bank Deposits

3,13,22,45,10 2,85,38,65,89

III. lkof/ fu{ksiTerm Depositsi) cSadkas ls / From Banks 4,47,73,20 7,45,71,94ii) vU; ls / From Others 5,71,76,29,51 5,07,67,31,44

;ksx % (I, II ,oa III) TOTAL (I, II and III) 9,40,04,84,64 8,42,39,27,37

[k-B.

I. Hkkjr esa 'kk[kkvksa ds fu{ksi Deposits of branches in India

9,40,04,84,64 8,42,39,27,37

II. Hkkjr ds ckgj 'kk[kkvksa ds fu{ksiDeposits of branches outside India

0 0

;ksx % (I ,oa II ) TOTAL (I and II) 9,40,04,84,64 8,42,39,27,37

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. Hkkjr esa m/kjBorrowings in Indiai) Hkkjrh; fj”koZ cSad

Reserve Bank of India0 0

ii) vU; cSadOther Banks

19,00,00,00 16,00,00,00

iii) vU; laLFkk, vkSj vfHkdj.kOther Institutions and AgenciesHkkjr esa dqy mèkkj

1,90,90,88 28,48,39,09

Total Borrowing in India 20,90,90,88 44,48,39,09II. Hkkjr ds ckgj ls m/kj

Borrowings outside India9,47,44,65 12,75,00,00

III. lrr fV;j&I (vkbZ-ih-Mh-vkbZ) ca/i=k lhfjt&IPerpetual Tier-I (IPDI) Bonds Series-I

2,00,00,00 2,00,00,00

vuqlwph 4 m/kj SCHEDULE 4 BORROWINGS

157

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. lans; fcyBills Payable

12,50,53,13 12,15,67,36

II. va'k i=k vkosnu jkf'kShare Application Money

0 0

III. varj&dk;kZy; lek;kstu (fuoy)Inter-office adjustments (net)

0 72,26,96

IV. mifpr C;ktInterest Accrued

8,15,49,05 7,83,83,18

V. vkLFkfxr dj nkf;Ro (fuoy)Deffered Tax Liability (Net)

1,16,14,68 86,64,84

VI vU; (blesa izko/ku lfEefyr gSa)Others (including provisions)

25,18,10,39 23,17,77,67

;ksx / TOTAL : 47,00,27,25 44,76,20,01

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. gkFk esa udnhCash in h and

5,02,55,30 5,58,04,53

(blesa fons'kh eqnzk uksV lfEefyr gSa)(including foreign currency notes)

II. Hkkjrh; fjt+oZ cSad esa vfr'ks"kBalance with Reserve Bank of India

i) pkyw [kkrksa esa In Current Accounts 92,12,63,39 72,29,15,36ii) vU; [kkrksa esa in Other Accounts 0 0

;ksx % (I ,oa II) / TOTAL : (I & II) 97,15,18,69 77,87,19,89

vuqlwph 5 vU; nkf;Ro vkSj izko/ku SCHEDULE 5 OTHER LIABILITIES AND PROVISIONS

vuqlwph 6 udnh vkSj Hkkjrh; fj”koZ cSad esa vfr'ks"k SCHEDULE 6 CASH AND BALANCES WITH RESERVE BANK OF INDIA

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

IV. xkS.k ns;rk,aSubordinated Debts

i) xkS.k ns;rk,a @cU/ i=k fV;j&II iwath Subordinate Debts/Bonds Forming Tier-II Capital

10,00,00,00 10,00,00,00

ii) LkfeJ ns;rk,a@cU/ i=k fV;j&II iwathHybrid Debts/Bonds Forming Tier-II Capital

4,50,00,00 4,50,00,00

iii) fV;j&II cklsy&III vuqikyuk ck.M~l 2015Tier-II Basel-III Compliant Bonds 2015

2,00,00,00 2,00,00,00

;ksx % (I ls IV)/ TOTAL : (I to IV) 48,88,35,53 75,73,39,09

mi;qZDr esa lfEefyr vkjf{kr m/kfj;kaSecured borrowings included in above

20,90,90,88 43,92,14,09

158

vuqlwph 7 cSadks esa vfr'ks"k vkSj ekax ij rFkk vYi lwpuk ij izkI; /u SCHEDULE 7 BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. Hkkjr esa In India

i) cSadkas esa vfr'ks"kBalance with banks

d)a)

pkyw [kkrksa esaIn Current Accounts

1,12,19 1,12,79

[k)b)

vU; tek [kkrksa esa In Other Deposit Accounts

0 0

ii) ekax vkSj vYi lwpuk ij izkI; /uMoney at call and short notice

a) cSadksa ds iklWith banks

0 0

b) vU; laLFkkvksa ds iklWith other institutions

0 0

;ksx % (i ,oa ii) / TOTAL : (i & ii) 1,12,19 1,12,79

II. Hkkjr ds ckgjOutside India

i) pkyw [kkrksa esa In Current Accounts

7,17,14 23,52,91

ii) vU; tek [kkrksa esaIn Other Deposit Accounts

99,38,25 1,25,00,00

iii) ekax vkSj vYi lwpuk ij izkI; /uMoney at call and short notice

0 0

;ksx % (i, ii ,oa iii) / TOTAL : (i, ii & iii) 1,06,55,39 1,48,52,91

;ksx % (I ,oa II) / TOTAL : (I & II) 1,07,67,58 1,49,65,70

159

vuqlwph 8 fofuos'k SCHEDULE 8 INVESTMENTS

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. Hkkjr esa fofuos'kInvestments in India in

i) ljdkjh izfrHkwfr;ka / Government securities 2,26,50,98,09 2,06,32,26,02ii) vU; vuqeksfnr izfrHkwfr;ka / Other approved securities 13,42 0iii) va'k i=k / Shares 1,43,61,46 1,34,44,43iv) ½.ki=k vkSj ca/i=k / Debentures and Bonds 13,38,60,71 4,48,60,71v) leuq"kaxh vkSj / vFkok la;qDr m|e / {ks=kh; xzkeh.k cSad

Subsidiaries and/or joint ventures/Regional Rural Banks

56,40,16 56,40,16

vi) vU; / Others

• izfrHkwfr jlhn / Security Receipts 3,69,48,08 1,91,01,77

• okf.kfT;d i=k /Commercial Paper 0 49,46,48

• Hkkjrh; ;wfuV VªLV ds va'knk;h 'ks;j Contributory shares of UTI

0 0

• fu{ksi izek.k i=k / Certificate of Deposit 0 6,00,71,80

• m|e iwath dks"k@ Venture Capital Fund 24,15,54 24,70,96

• E;qP;qvy iQaM / Mutual Funds 1,99,00,00 1,00,00

;ksx (i ls vi) / TOTAL (i to vi): 2,47,82,37,46 2,21,38,62,33

II. Hkkjr ds ckgj fofuos'kInvestments outside India in

i) ljdkjh izfrHkwfr;k¡ (blesa LFkkuh; izkf/dj.k lfEefyr gSa)Government securities (including local authorities)

0 0

ii) fons'kksa esa leuq"kaxh vkSj @ vFkok la;qDr m|e Subsidiaries and/or joint ventures abroad

0 0

iii) vU; fofuos'kOther investments

0 0

;ksx (i ls iii) / TOTAL (i to iii) : 0 0

;ksx % (I ,oa II) / TOTAL : (I & II) 2,47,82,37,46 2,21,38,62,33

160

vuqlwph 9 vfxze SCHEDULE 9 ADVANCES

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

(d)A.

i) Ø; fd, x, vkSj ferhdkVs ij Hkqxrku fd, x, fofue; i=kBills purchased and discounted

22,34,47,28 18,82,83,02

ii) udn&lk[k] vksojMªkÝV vkSj ekax ij izfr&lans; m/kjCash Credits, overdrafts and loans repayable on demand

3,42,89,49,58 3,47,59,68,61

iii) lkof/ m/kjTerm loans

3,64,03,49,45 3,29,05,90,60

;ksx / TOTAL : 7,29,27,46,31 6,95,48,42,23([k)B.

i) ewrZ vkfLr;ksa }kjk izfrHkwr (cgh ½.k ds fo:¼ vfxze lfgr)Secured by tangible assets(includes Advances against book debts)

6,47,47,97,94 6,04,27,09,52

ii) cSad@ljdkjh izR;kHkwfr;ksa }kjk lajf{krCovered by Bank/Government Guarantees

2,00,77,89 18,30,69,41

iii) vizfrHkwr Unsecured

79,78,70,48 72,90,63,30

;ksx / TOTAL : 7,29,27,46,31 6,95,48,42,23(x)C.

I. Hkkjr esa vfxzeAdvances in India

i) izkFkfedrk izkIr {ks=kPriority Sector

2,87,02,70,71 2,69,34,17,78

ii) lkoZtfud {ks=kPublic Sector

23,66,64,07 33,16,25,75

iii) cSadBanks

98,45 48,70

iv) vU;Others

4,18,57,13,08 3,92,97,50,00

;ksx / TOTAL : 7,29,27,46,31 6,95,48,42,23II. Hkkjr ds ckgj vfxze

Advances outside Indiai) cSadksa ls izkI;

Due from Banks0 0

ii) vU; ls izkI;Due from others

d- Ø; fd, x, vkSj ferhdkVs ij Hkqxrku fd, x, fofue; i=k a) Bills purchased and discounted

0 0

[k- lkewfgd m/kjb) Syndicated loans

0 0

x- vU;c) Others

0 0

;ksx / TOTAL : 0 0

;ksx % (x-I ,oa x-II) / TOTAL : (C.I & C.II) 7,29,27,46,31 6,95,48,42,23

161

vuqlwph 10 vpy lEifÙk;ka SCHEDULE 10 Fixed Assets

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. ifjljPremisesiwoZorhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuqlkj ykxr ijAt cost as on 31st March of the preceding year

70,71,26 70,71,26

o"kZ ds nkSjku ifjo/ZuAdditions during the year

38,68,51 0

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

vc rd ewY;gkl@Depreciation to date 21,76,08 20,62,71

;ksx / TOTAL : 87,63,69 50,08,55II. vU; vpy lEifÙk;ka

Other Fixed Assets(iQuhZpj vkSj tqM+ukj lfgr)(including furniture and fixtures)iwoZorhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuqlkj ykxr ijAt cost as on 31st March of the preceding year

9,67,07,09 8,65,33,60

o"kZ ds nkSjku ifjo/ZuAdditions during the year

1,09,57,46 1,57,78,64

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

30,40,46 56,05,15

vc rd ewY; gkl / Depreciation to date 7,35,99,30 6,64,13,73(` 32-87 djksM++ ds foØ; @viys[ku ds dkj.k lek;kstu ds i'pkr~ 'kq¼_ xr o"kZ ` 32-87 djksM++)(Net of adjustments on account of sale/write-off ` 32.87 crore; Previous year ` 32-87 crore)

;ksx / TOTAL : 3,10,24,79 3,02,93,36III. *iV~VkÑr vkfLr;ka

*Leased AssetsiwoZorhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuqlkj ykxr ijAt cost as on 31st March of the preceding year

45,20,02 45,20,02

o"kZ ds nkSjku ifjo/ZuAdditions during the year

0 0

o"kZ ds nkSjku dVkSfr;kaDeductions during the year

0 0

vc rd ewY; gkl / Depreciation to date 40,49,57 40,49,57iV~Vk lek;kstu / Lease adjustment -4,70,45 -4,70,45*(iw.kZ ifj'kksè; vkfLr;ka] ftudk leLr iV~Vk çfriQy izkIr gks x;k gS)*(Represents fully amortised assets where entire lease consideration has been received)

;ksx / TOTAL : 0 0IV. iw¡thxr dk;Z izxfr ij

Capital Work in Progress68,91 39,69,57

;ksx % (I, II, III ,oa IV) / TOTAL : (I, II, III & IV) 3,98,57,39 3,92,71,48

162

vuqlwph 11 vU; vkfLr;ka SCHEDULE 11 OTHER ASSETS

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016 `

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. varj&dk;kZy; lek;kstu (fuoy) Inter-office adjustments (net)

8,62,72 0

II. mifpr C;ktInterest accrued

10,87,49,24 10,07,68,17

III. vfxze :i ls lanÙk@lzksr ij dkVk x;k dj (çko/kuksa dks ?kVkdj)Tax paid in advance/Tax deducted at source(net of provisions)

5,25,01,16 5,71,93,64

IV. vkLFkfxr dj vkfLr;k¡ (fuoy)Deferred Tax assets (net)

0 0

V. ys[ku&lkexzh vkSj LVkEiStationery and Stamps

5,36,56 4,69,60

VI. nkoksa dh larqf"V esa izkIr dh x;h xSj cSaddkjh vkfLr;kaNon-banking assets acquired in satisfaction of claims

0 0

VII. vU;Others

7,78,49,93 7,00,61,14

;ksx / TOTAL : 24,04,99,61 22,84,92,55

163

vuqlwph 12 vkdfLed nkf;Ro SCHEDULE 12 CONTINGENT LIABILITIES

vuqlwph 13 vftZr C;kt SCHEDULE 13 INTEREST EARNED

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dh fLFkfr ds vuqlkj

As on 31.03.2016`

31-03-2015 dh fLFkfr ds vuqlkj

As on 31.03.2015`

I. cSad ds fo:¼ nkos ftUgsa ½.k ds :i esa Lohdkj ugha fd;k x;k gSClaims against the bank not acknowledged as debts

18,43,90 26,31,97

II. va'kr% lanÙk fofuos'kksa ds fy, nkf;RoLiability for partly paid investments

67 1,17,67

III. cdk;k ok;nk fofue; lafonkvksa ds ckcr nkf;RoLiability on account of outstanding forward exchange contracts

4,20,88,23,84 3,56,45,96,42

IV. la?kVdksa dh vksj ls nh xbZ izR;kHkwfr;ka @Guarantees given on behalf of constituents @d) Hkkjr esa a) In India 41,06,96,96 40,21,38,54[k) Hkkjr ds ckgj b) Outside India 0 0

V. LOkhdr fcy] i"Bkadu vkSj vU; ckè;rk,¡ # Acceptances, endorsements and other obligations #

29,90,68,82 39,52,54,15

VI. vU; ensa ftuds fy, cSad vkdfLed :i ls mÙkjnk;h gSOther items for which the bank is contingently liable

10,31,94,83 10,09,99,06

;ksx / TOTAL : 5,02,36,29,02 4,46,57,37,81@ ` 847-67 djksM++ ls udnh ekftZu@izko/ku ?kVkdj fuoy (xr o"kZ ` 948-80 djksM++) Net after deducting cash margin/provision of `847-67 crores. (previous year `948-80 crores)

# ` 324-77 djksM++ ls udnh ekftZu ?kVkdj fuoy (xr o"kZ ` 379.09 djksM++) Net after deducting cash margin of ` 324-77 crores. (previous year ` 379.09 crores)

31-03-2016 dks lekIr o"kZ

Year ended31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended31.03.2015

`

I. vfxzeksa@ fofue; i=kksa ij C;kt @ ferhdkVkInterest/discount on advances/bills

75,18,32,06 71,20,41,42

II. fofuos'kksa ij vk; Income on investments

19,78,39,79 18,16,47,80

III. Hkkjrh; fjt+oZ cSad ds vfr'ks"kksa vkSj vU; varj&cSad fuf/;ksa ij C;ktInterest on balances with Reserve Bank of India and other inter-bank funds

37,53,53 49,00,99

IV. vU; / Others 58,21,90 19,54,97

;ksx / TOTAL : 95,92,47,28 90,05,45,18

164

vuqlwph 14 vU; vk; SCHEDULE 14 OTHER INCOME

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dks lekIr o"kZ

Year ended31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended31.03.2015

`

I. deh'ku] fofue; vkSj nykyhCommission, exchange and brokerage

7,56,19,71 6,17,90,55

II. fofuOks'kksa ds foØ; ij ykHk (fuoy)Profit on sale of investments (net)

2,08,02,91 1,54,01,77

III. fofuos'kksa ds iquewZY;kadu ij ykHkProfit on revaluation of investments

0 0

IV. Hkwfe] Hkouksa vkSj vU; vkfLr;ksa ds foØ;@viys[ku ij ykHk@gkfuProfit/Loss on sale/write off of land, building and other assets

0 0

V. fofue; ysunsuksa ij ykHk (fuoy)Profit on exchange transactions (net)

65,15,68 62,08,83

VI. fons'k @ Hkkjr esa LFkkfir leuq"kaxh @ dEifu;ksa vkSj @ ;k la;qDr m|eksa ls ykHkka'kksa vkfn ds :i esa vftZr vk;Income earned by way of dividends etc. from subsidiaries/companies and/or joint ventures abroad/in India

0 0

VII. fofoèk vk;Miscellaneous Income

27,66,62 92,38,02

;ksx / TOTAL : 10,57,04,92 9,26,39,17

vuqlwph 15 O;; fd;k x;k C;kt SCHEDULE 15 INTEREST EXPENDED

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dks lekIr o"kZ

Year ended31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended31.03.2015

`

I. fu{ksiksa ij C;ktInterest on Deposits

59,08,03,97 54,67,36,07

II. Hkkjrh; fjt+oZ cSad @ varj&cSad m/kjksa ij C;ktInterest on Reserve Bank of India/Inter-bank borrowings

2,03,20,11 4,15,08,79

III. vU;Others

1,76,89,21 1,81,56,85

;ksx / TOTAL : 62,88,13,29 60,64,01,71

165

vuqlwph 16 ifjpkyu O;; SCHEDULE 16 OPERATING EXPENSES

(‘000 dks NksM+ fn;k x;k gS) (‘000 omitted)

31-03-2016 dks lekIr o"kZ

Year ended31.03.2016

`

31-03-2015 dks lekIr o"kZ

Year ended31.03.2015

`

I. deZpkfj;ksa dks Hkqxrku vkSj muds fy, izko/kuPayments to and provisions for employees

11,25,98,84 10,12,91,19

II. fdjk;k] dj vkSj jks'kuhRent, taxes and lighting

1,94,16,18 1,69,19,97

III. eqnz.k vkSj ys[ku&lkexzhPrinting and stationery

20,27,97 18,87,23

IV. foKkiu vkSj izpkjAdvertisement and publicity

20,34,78 16,27,20

V. cSad dh lEifÙk ij ewY;âklDepreciation on Bank's property

96,46,26 37,46,63

VI. iV~VkÑr vkfLr;ksa ij ewY;âklDepreciation on Leased assets

0 0

VII. funs'kdksa dh iQhl] HkÙks vkSj O;;Directors' fee, allowances and expenses

51,21 25,95

VIII. ys[kk&ijh{kdksa dh iQhl vkSj O;; ('kk[kk ys[kk&ijh{kdksa lfgr)Auditors' fee and expenses (including branch auditors)

16,71,01 15,28,74

IX. fof/ izHkkjLaw charges

3,38,76 3,44,14

X. Mkd] rkj] VsyhiQksuPostage, Telegrams, Telephones

20,34,75 24,81,94

XI. ejEer vkSj vuqj{k.kRepairs and maintenance

23,22,01 22,44,43

XII. chekInsurance

1,02,77,62 90,61,53

XIII. vU; O;;Other expenditure

4,32,16,11 3,52,12,42

;ksx / TOTAL : 20,56,35,50 17,63,71,37

166

egRoiw.kZ ys[kk uhfr;k¡

v- rS;kj djus dk vkèkkjfoÙkh; foojf.k;k¡] vof/xr ykxr vk/kj rFkk ys[kksa ds çksn~Hkou vk/kj ij rS;kj dh tkrh gS] tc rd vU;Fkk u dgk x;k gks rFkk os Hkkjr esa lkekU;r% LohÑr ys[kk fl¼kUrksa ds vuq:i gSa] ftuesa cSafdax fofu;eu vf/fu;e 1949 esa of.kZr lkafof/d çko/ku] Hkkjrh; fjtoZ cSad }kjk le;&le; ij tkjh ifji=kksa ,oa fn'kk funsZ'kksa] Hkkjrh; lunh ys[kkdkj laLFkku (vkbZlh,vkbZ) }kjk tkjh ys[kk&ekud vkSj Hkkjr esa cSafdx m|ksx esa çpfyr çFkk,¡ 'kkfey gSaA

c çkDdyuksa dk ç;ksx

foÙkh; fooj.kksa dks rS;kj djus esa çcU/u dks] foÙkh; fooj.kksa dh frfFk dks & vkfLr;ksa vkSj ns;rkvksa] (blesa vkdfLed ns;rk,sa lfEefyr gSa) dh lwfpr jkf'k;ka rFkk lwpuk vof/ ds nkSjku lwfpr vk; ,ao O;; esa çfriQfyr çkDdyu vkSj iwokZuqeku djus dh vko';drk gksrh gSA çcU/u dk ;g ekuuk gS fd foÙkh; fooj.kksa dks rS;kj djus esa ç;qDr çkDdyu foosd iw.kZ vkSj ;Fkksfpr gSA Hkkoh ifj.kke bu çkDdyuksa ls vyx gks ldrs gSaA ys[kk çkDdyuksa esa fdlh la'kks/uksa dk orZeku vkSj Hkfo";xr vof/;ksa ds fy, Hkfo";y{kh çHkko ls vfHkKku fd;k x;k gSA

1- jktLo x.kuk

1-1 vk; ,oa O;; dh x.kuk mikftZr vk/kj ij dh tkrh gS] flok; fuEukafdr vk; ds] ftudh x.kuk udn vk/kj ij dh tkrh gS%

i) Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr vkbZvkj,lh fu;eksa ds vuqlkj xSj&fu"ikfnr vkfLr;ksa ij C;kt ,oa vU; vk;

ii) xSj fu"ikfnr fuos'kksa ij C;kt

iii) lk[k&i=kksa ,oa çR;kHkwfr;ksa ij deh'ku (vkLFkfxr Hkqxrku çR;kHkwfr;ksa ds vfrfjDr)

iv) chek nkos

v) va'k ,oa E;qP;qvy iQ.M ;wfuVksa ij ykHkka'k

vi) [kjhns x;s vfrns; ek¡x fcyksa ij C;kt

vii) ykWdj fdjk;k

viii) dj okilh ij C;kt

ix) ijLij foØ; dk;Z ls deh'ku

1-2 fofuos'kksa dh fcØh ij gksus okys ykHk ;k gkfu dks ykHk ,oa gkfu [kkrs esa fy;k x;k gS] rFkkfi] ^ifjiDork rd /kfjr* Js.kh ds fofuos'kksa dh fcØh ij gksus okys ykHk dks ykxw djksa vkSj ^iwath vkjf{kr [kkrs* esa lkafof/d vkjf{kr fuf/ gsrq varfjr dh tkus okyh vko';d jkf'k dks ?kVkus ds ckn lek;ksftr fd;k x;k gSA

1-3 ^ifjiDork rd /kfjr* Js.kh ds fofuos'k] tks vafdr ewY; ls cV~Vs ij çkIr fd;s x;s gSa] ij vk; (C;kt dks NksM+dj) dks fuEukuqlkj vfHkKkfur fd;k x;k gS%

(v) C;kt /kfjr çfrHkwfr;ksa ij bls fcØh@'kks/u ds le; vfHkKku esa fy;k x;k gSA

(c) 'kwU; dwiu çfrHkwfr;ksa ij bls çfrHkwfr dh 'ks"k vof/ ds fy, fu;r vk; vk/kj ij ys[kksa esa fy;k x;k gSA

2- fons'kh fofue; ds vUrxZr laO;ogkj

Hkkjrh; lunh ys[kkdkj laLFkku ds fons'kh fofue; O;ogkjksa ds :ikUrj.k ls lEcfU/r ys[kk ekud la[;k&11 (la'kksf/r 2003) dk cSad }kjk vuqlj.k fd;k x;k gS ,oa rnuqlkj%&

2-1 fons'kh eqæk ls laO;ogkjksa dks ysu&nsu dh frfFk ij fons'kh eqæk jkf'k dks çfrosfnr eqæk ,oa fons'kh eqæk ds chp fofue;

vuqlwph 17

167

SCHEDULE 17

SIGNIFICANT ACCOUNTING POLICIES

A BASIS OF PREPARATION:

The financial statements have been prepared and presented under the historical cost convention, on accrual basis of accounting, unless otherwise stated, and are in accordance with Generally Accepted Accounting Principles in India (GAAP), statutory requirements prescribed under the Banking Regulation Act 1949, circulars and guidelines issued by the Reserve Bank of India (RBI) from time to time, Accounting Standards (AS) issued by the Institute of Chartered Accountants of India and current practices prevailing within the banking industry in India.

B Use of Estimates:

The preparation of financial statements require the management to make estimates and assumptions considered in the reported amounts of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reported income and expenses during the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Future results could differ from these estimates. Any revision to the accounting estimates is recognized prospectively in the current and future periods.

1. REVENUE RECOGNITION

1.1 Income & Expenditure are accounted on accrual basis except the following income, which are recognised on cash basis:

i) Interest and other income on Non Performing Assets as per IRAC norms prescribed by RBI.

ii) Interest on Non-performing Investments.

iii) Commission on L.Cs. and Guarantees (excluding Deferred Payment Guarantees)

iv) Insurance Claims.

v) Dividend on shares and units of Mutual Funds.

vi) Interest on overdue demand bills purchased.

vii) Locker Rent

viii) Interest on Tax Refund

ix) Commission from Cross Selling Activities

1.2 Profit or loss on sale of investments is recognised in the Profit and Loss Account, however, the profit on sale of investments in the ‘Held to Maturity’ category is appropriated net of applicable taxes and amount required to be transferred to statutory reserve to ‘Capital Reserve Account’.

1.3 Income (other than interest) on investments in "Held to Maturity" (HTM) category acquired at a discount to the face value, is recognised as follows :

a) On Interest bearing securities, it is recognized only at the time of sale/redemption.

b) On zero-coupon securities, it is accounted for over the balance tenor of the security on a constant yield basis.

2. TRANSACTIONS INVOLVING FOREIGN EXCHANGE

The Bank has followed the Accounting Standard-11 (Revised 2003) issued by the Institute of Chartered Accountants of India regarding foreign exchange transactions and accordingly:-

2.1 Foreign Currency transactions are recorded on initial recognition in the reporting currency by applying to

168

nj ds ç;ksx }kjk iQfyr çfrosfnr eqæk esa çkjafHkd fu/kkZj.k ij ntZ fd;k tkrk gSA

2-2 fons'kh eqæk ekSfæd enksa dks iQsMbZ dh vafre rRdky nj dk ç;ksx dj çfrosfnr fd;k tkrk gS rFkk blls ifj.kkfer ykHk@gkfu dks ykHk&gkfu [kkrs esa ys tk;k tkrk gSA

2-3 ekSfæd enksa dks ntZ djus dh njksa ,oa muds fuiVku ij vk, fofue; vUrj dks ml vof/ ds fy, vk; vFkok O;; esa 'kkfey fd;k x;k gSA

2-4 laxzg.k gsrq Hksts x;s fcy] tks fd çLrqfrdj.k ds le; ds fopkjewyd nj ij ys[kksa esa fy;s tkrs gSa] ds vfrfjDr fons'kh eqæk esa tkjh dh xbZ LohÑfr;ka] i`"Bkadu rFkk vU; ckè;rkvksa] izR;kHkwfr;ksa rFkk lk[k i=kksa dks 'kkfey djrs gq,] ds ewY; dk fu/kkZj.k iQsMkbZ }kjk çdkf'kr njksa ds vuqlkj fd;k tkrk gSA

3- fofuos'k

3-1 ljdkjh çfrHkwfr;ksa lfgr lHkh çdkj dh çfrHkwfr;ksa esa 31-12-2010 rd fd;s x;s ysu nsu ^O;kikj frfFk* ij ntZ fd, x;s gSa rFkk 01-01-2011 ls ^fuiVku frfFk* dks ys[kksa esa fy;s x;s gSaA

3-2 Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kkuqlkj fofuos'kksa dks ^ifjiDork rd /kfjr*] ^foØ; ds fy;s miyC/* rFkk ^O;olk; ds fy;s j[kh xbZ* Jsf.k;ksa esa oxhZÑr fd;k x;k gSA cSad }kjk ifjiDork rd j[kus gsrq fd;s x;s fuos'k dks ^ifjiDork rd /kfjr* Js.kh esa oxhZÑr fd;k x;k gSA

3-3 cSad }kjk vYi dkyhu ewY;@C;kt nj esa gksus okys ifjorZuksa dk ykHk çkIr djus gsrq O;olk; ds mís'; ls çkIr dh x;h çfrHkwfr;ksa dks ^O;olk; ds fy;s j[kh xbZ* Js.kh esa oxhZÑr fd;k x;k gSA bu çfrHkwfr;ksa dk foØ; 90 fnuksa esa djuk gksrk gSA

3-4 mDr nksuksa Jsf.k;ksa ds vUrxZr ugh vkusokyh çfrHkwfr;ksa dks ^foØ; ds fy;s miyC/* Js.kh esa oxhZÑr fd;k x;k gSA

3-5 (i) ^O;olk; ds fy, j[kh xbZ*@^foØ; ds fy, miyC/* Js.kh ds çfrHkwfr dk ^ifjiDork rd /kfjr* Js.kh esa vUrj.k] cgh ewY; ;k cktkj ewY; esa ls tks de gks] ds vk/kj ij fd;k tkrk gSA vU; 'kCnksa esa] ,sls ekeyksa esa tgka vUrj.k dh frfFk dks cktkj ewY; cgh ewY; ls T;knk gks] o`f¼ dks utjvankt djrs gq, çfrHkwfr dk varj.k cgh ewY; ij fd;k tkrk gSA ,sls ekeyksa esa tgka cktkj ewY; cgh ewY; ls de gS] çfrHkwfr ds ewY;ßkl ds isVs /kfjr çko/ku (varj.k dh frfFk dks fu/kZfjr ewY; ds fy;s t:jh vfrfjDr çko/ku] ;fn dksbZ gks] dks 'kkfey djrs gq,) dk lek;kstu cgh ewY; dks cktkj ewY; ds cjkcj djus esa dj fn;k tkrk gS rFkk çfrHkwfr dk varj.k cktkj ewY; ij fd;k tkrk gSA

(ii) (v) çfrHkwfr;ka tks fd ewy :i ls ifjiDork rd /kfjr Js.kh esa NwV ij oxhZÑr gSa] dk ^O;olk; ds fy, j[kh xbZ* @ ^foØ; ds fy, miyC/* Js.kh esa varj.k vtZu ykxr@cgh ewY; ij fd;k tkrk gSA vUrj.k ds i'pkRkk] bu çfrHkwfr;ksa dk rqjar iquZewY;kadu fd;k tkrk gS rFkk ifj.kkfer ßkl] ;fn dksbZ gks] dk çko/ku fd;k tkrk gSA

(ii) (c) çfrHkwfr;ka tks fd ewy :i ls ifjiDork rd /kfjr Js.kh esa çhfe;e ij oxhZÑr gSa] dk ^O;olk; ds fy, j[kh xbZ* @ ^foØ; ds fy, miyC/* Js.kh esa varj.k foyhuhÑr ykxr ij fd;k tkrk gSA vUrj.k ds i'pkRk] bu çfrHkwfr;ksa dk rqjar iquZewY;kadu fd;k tkrk gS rFkk ifj.kkfer ßkl] ;fn dksbZ gks] dk çko/ku fd;k tkrk gSA

(iii) çfrHkwfr;ksa ds ^O;olk; ds fy, j[kh xbZ* Js.kh ls ^foØ; ds fy, miyC/* Js.kh esa ;k blds myV varj.k dh n'kk esa] çfrHkwfr;ksa dk varj.k dh frfFk dks iwuZewY;kadu djk;k tkrk gS rFkk lafpr ßkl] ;fn dksbZ gks] ds fy;s /kfjr çko/ku dks O;olk; ds fy, j[kh xbZ çfrHkwfr;ka ;k blds myV ds çko/ku gsrq varfjr dj fn;k tkrk gSA

3-6 fuos'kksa dk ys[kkadu Hkkfjr vkSlr ykxr ds vk/kj ij fd;k tkrk gSA fuos'k dh vtZu ykxr dk fu/kkZj.k djus gsrq%&

v- çfrHkwfr dh ykxr ls nykyh@fuos'k ij çkIr deh'ku dks ?kVk fn;k tkrk gSA

c- çfrHkwfr dks vfHkxzfgr djus gsrq Hkqxrku dh xbZ nykyh] deh'ku bR;kfn dks jktLo O;; ekuk tkrk gSA

l- çfrHkwfr dks vfHkxzfgr djus dh frfFk rd dk mikftZr C;kt vFkkZr [kf.Mr vof/ ds C;kt dks vfHkxzg.k ykxr ls fudky fn;k tkrk gS rFkk bls ^C;kt mikftZr ij ns; ugha* [kkrs esa lfEefyr fd;k tkrk gSA

3-7 fuos'kksa dks Hkkjrh; fjtoZ cSad@fiQeMk ds fn'kkfunsZ'kkuqlkj fuEukuqlkj ewY;kafdr fd;k tkrk gS%&

169

the foreign currency amount, the exchange rate between the reporting currency and the foreign currency on the date of transaction.

2.2 Foreign currency monetary items are reported using the Foreign Exchange Dealers Association of India (FEDAI) closing spot/forward rate and resultant gain / loss is recognised to Profit and Loss Account.

2.3 Exchange differences arising on the settlement of monetary items at the rates different from those at which they were initially recorded, are recognized as income or as expense in the period in which they arise.

2.4 Contingent liabilities on account of acceptance, endorsements and other obligations including guarantees and letters of credits in foreign currency are valued as per rate published by FEDAI except bill for collection which is accounted for at the notional rate at the time of lodgement.

3. INVESTMENTS3.1 The Transactions in all types of securities including Government Securities are recorded on 'Trade Date'

upto 31.12.2010 and on 'Settlement date' with effect from 01.01.2011. 3.2 Investments have been classified into ‘Held to Maturity’, ‘Available for Sale’ and ‘Held for Trading’ in terms

of RBI guidelines. Securities acquired by the Bank with an intention to hold till maturity is classified under ‘Held to Maturity’.

3.3. The securities acquired by the Bank with an intention to trade by taking advantage of short-term price/ interest rate movements are classified under "Held for Trading". These securities are to be sold within 90 days.

3.4 The securities, which do not fall within the above two categories, are classified under ‘Available for Sale’.3.5. (i) Transfer of securities from AFS/HFT category to HTM category is made at the lower of book value or

market value. In other words, in cases where the market value is higher than the book value at the time of transfer, the appreciation is ignored and security is transferred at the book value. In case where the market value is less than the book value, the provision against depreciation held against the security (including the additional provision, if any, required based on valuation done on date of transfer) is adjusted to reduce the book value to the market value and the security is transferred at market value.

(ii) (a) If the security was originally placed under the HTM category at a discount, it is transferred to AFS/ HFT category at the acquisition price/ book value. After transfer, these securities are immediately re-valued and resultant depreciation, if any, is provided.

(ii) (b) If the security was originally placed in the HTM category at a premium, it is transferred to the AFS/HFT category at the amortised cost. After transfer, these securities are immediately re-valued and resultant depreciation, if any, is provided.

(iii) In case of transfer of securities from AFS to HFT category or vice-verca, the securities are revalued on the date of transfer and the provisions for the accumulated depreciation, if any, held is transferred to the provisions for depreciation against the HFT securities and vice-versa.

3.6 Accounting of investment is on ‘Weighted Average Cost' (WAC) basis. In determining acquisition cost of an investment :-

a. Brokerage/ commission received on subscription is deducted from the cost of securities.

b. Brokerage, commission etc. paid in connection with acquisition of securities are treated as revenue expenses.

c. Interest accrued up to the date of acquisition of securities i.e. broken-period interest is excluded from the acquisition cost and the same is accounted in interest accrued but not due account.

3.7 Investments are valued as per RBI/FIMMDA guidelines, on the following basis:

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^ifjiDork rd /kfjr*i) ^ifjiDork rd /kfjr* Js.kh ds fuos'kksa dks vfHkxzg.k ykxr ij j[kk tkrk gSA tgka iqLrd ewY;] vafdr ewY;@'kks/u

ewY; ls vf/d gS] çhfe;e dks ifjiDork dh 'ks"k vof/ esa ifj'kksf/r fd;k tkrk gSAii) leuq"kaxh@lg m|eksa@lg;ksfx;ksa esa fd;s x;s fuos'k dk ewY;kadu ogu ewY; ij] vLFkk;h çÑfr dks NksM+dj] ßkl dks de

djds fd;k tkrk gSAiii) çk;ksftr {ks=kh; xzkeh.k cSadksa esa fd;s x;s fuos'k dk ewY;kadu ogu ewY; ij fd;k tkrk gSaAiv) m|e iwath dks"k esa fd;s x;s fuos'k dk ewY;kadu ogu ewY; (ogh ewY;) ij fd;k tkrk gSA

^foØ; ds fy;s miyC/* rFkk ^O;olk; ds fy;s j[kh x;h* %&

d- ljdkjh çfrHkwfr;kai) dsUæ ljdkj dh çfrHkwfr;ka

ewY; vk/kj ij vFkok fiQeMk@ihfM,vkbZ }kjk vkof/d varjky ij tkjh ifjiDork çfriQy nj ij

ii) jkT; ljdkj dh çfrHkwfr;ka ifjiDork çfriQy nj ykxw djrs gq, dsaæ ljdkj dh lerqY; ifjiDork okyh çfrHkwfr;ksa ij gksus okyh vk; ls 25 vk/kj vad mij j[krs gq, fiQeMk@ihfM,vkbZ }kjk vkof/d varjky ij tkjh nj ij

[k- dsUæ@jkT; ljdkj }kjk çR;kHkwr çfrHkwfr;ka] lkoZtfud {ks=k miØe cU/&i=k (tks vfxzeksa ds varxZr ugha gS)

fiQeMk@Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kkuqlkj mi;qDr ifjiDork çfriQy nj ij

x- dks"kkxkj fcy ogu ewY; ij (cgh ewY; tksM+ mikftZr NwV)

?k- lerk va'k ;fn lerk va'k ,u,llh@ch,llh esa lwphc¼ gSa] rks budk ewY;kadu ,u,llh ds can Hkko (;k ch,llh] ;fn ,u,llh ij miyC/ ugh gks) ij fd;k tk;sxkA ,sls lerk va'k ftudk orZeku m¼j.k miyC/ ugh gks ;k tks 'ks;j LVkd ,Dlpsatksa esa m¼fjr ugh gks dk] ewY;kadu fo'ysf"kr ewY; (iwuZewY;kadu fuf/] ;fn dksbZ gks] dks fcuk è;ku esa j[ks gq,)] tks fd daiuh ds uohure rqyu i=k (,d o"kZ ls vf/d iqjkuk ugh) ds vk/kj ij fu/kkZfjr gksxk] ds vk/kj ij fd;k tk,xkA ;fn uohure rqyu&i=k miyC/ ugh gks rks ewY;kadu :-1@& çfr dEiuh gksxkA

p- vf/eku va'k ;fn m¼fjr gks rks cktkj Hkko ij vU;Fkk fiQeMk@Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kkuqlkj mi;qDr ifjiDork çfriQy nj ijA

N- cU/&i=k ,oa ½.k&i=k (tks vfxzeksa ds vUrxZr u gks)

lHkh cU/&i=k ,oa ½.k&i=k dk ewY;kadu ifjiDork çfriQy nj ij fd;k tkrk gSA fofHkUu daifu;ksa ds vyx vyx jsfVax okys cU/&i=k ,oa ½.k&i=k dk ewY;kadu ihfM,vkbZ@fiQeMk }kjk dsaæ ljdkj dh çfrHkwfr;ksa ds ifjiDork çfriQy nj ij mi;qDr ekdZ vi ds lkFk fd;k tkrk gSA

t- E;qP;qvy IkQ.M ;wfuV m¼fjr E;qP;qvy IkQ.M esa fuos'k dk ewY;kadu LVkd ,Dlpsat }kjk m¼fjr ewY; ij fd;k tkrk gSA vm¼fjr E;qP;qy IkQ.M esa fuos'k dk ewY;kadu ml fo'ks"k Ldhe ds ,e,iQ }kjk ?kksf"kr uohure iquZ[kjhn ewY; ds vk/kj ij fd;k tkrk gSA ykd&bZu&ihfj;M okys IkQ.M] tgka iquZ[kjhn ewY;@cktkj ewY; miyC/ ugh gS] 'kq¼ vkfLr ewY; ij eqY;kafdr gSaA vxj 'kq¼ vkfLr ewY; miyC/ ugh gS rks ;s ykd bZu ihfj;M dh lekfIr rd ykxr ewY; ij ewY;kafdr gSaA tgka iquZ[kjhn ewY; miyC/ ugh gS] ogka ;wfuVksa dk ewY;kadu vkfLr ewY; ij fd;k x;k gSA

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‘Held to Maturity’i) Investments under ‘Held to Maturity’ category are carried at acquisition cost. Wherever the book value

is higher than the face value/redemption value, the premium is amortized over the remaining period to maturity.

ii) Investments in subsidiaries/joint ventures/associates are valued at carrying cost less diminution, other than temporary, in nature.

iii) Investment in sponsored regional rural banks are valued at carrying cost (book value).iv) Investment in venture capital is valued at carrying cost. ‘Available for Sale’ and ‘Held for Trading’:-

a Govt securities I. Central Govt Securities

On the basis of prices/ YTM rates put out by the PDAI/ FIMMDA at periodical intervals.

II. State Govt Securities Applying YTM method by marking it up by 25 basis points above the yields of the Central Govt Securities of equivalent maturity put out by PDAI/ FIMMDA periodically.

b Securities guaranteed by Central/ State Govt, PSU Bonds (not in the nature of Advances)

On appropriate yield to maturity basis as per FIMMDA/ RBI guidelines.

c Treasury Bills At carrying Cost (book value plus accrued discount)

d Equity Shares If price of equity shares is quoted in NSE/BSE, closing market price of NSE (or BSE, if not available in NSE) will be considered for valuation. Equity shares for which current quotations are not available or where the shares are not quoted on the stock exchanges, are valued at break-up value (without considering ‘revaluation reserves, if any) which is to be ascertained from the company’s latest balance sheet (which are not more than one year prior to the date of valuation). In case the latest balance sheet is not available the shares are valued at Re.1 per company.

e Preference shares At market price, if quoted, otherwise at on appropriate yield to maturity basis as per RBI/ FIMMDA guidelines.

f Bonds and debentures (not in the nature of advances)

All debentures/ bonds are valued on the YTM basis. Such debentures/ bond are of different companies having different ratings. These will be valued with appropriate mark up over the YTM rates for Central Govt securities as put out by PDAI/ FIMMDA periodically.

g Units of mutual funds Investment in quoted MF Units are valued as per Stock Exchange quotations. Investment in un-quoted MF units are valued on the basis of the latest re-purchase price declared by the MF in respect of each particular scheme. In case of funds with a lock-in-period, where repurchase price/ market quote is not available, units are valued at NAV. If NAV is not available, then these are valued at cost, till the end of lock-in-period. Wherever the re-purchase price is not available, the units are valued at the NAV of the respective scheme.

172

>- okf.kfT;d çi=k ogu ewY; ij (cgh ewY; tksM+ mikftZr NwV)

V- tek çek.k&i=k ogu ewY; ij (cgh ewY; tksM+ mikftZr NwV)

B- vkjfly }kjk tkjh çfrHkwfr jlhn vkjfly }kjk ?kksf"kr vkfLr ds 'kq¼ vkfLr ewY; ij

M+ m|e iwath dks"k m¼fjr lerk va'k@ckW.M@m|e iwath dks"k ds ;wfuV cSad ds iksVZ~iQksfyvks esa foØ; ds fy;s miyC/ Js.kh esa j[ks x;s gSa dk ewY;kadu Hkkjrh; fjtoZ cSad }kjk tkjh vU; lerk va'kksa ds ewY;kadu fu;eksa ds orZeku funsZ'kksa ds vk/kj ij fd;k x;k gSA

<- foÙkh; iquZxBu ;kstuk ds varxZr jkT; forj.k daifu;ksa (fMLdkWEl) }kjk tkjh fd;s x;s ckW.M

(i) vxj ;s ckW.M [kjhn fcØh fd;s tkrs gSa rFkk m¼fjr gSa rks budk ewY;kadu orZeku cktkj ewY; ij fd;k tkrk gSA

(ii) fcuk [kjhn fcØh rFkk vm¼fjr ckW.M ds ekeys esa ewY;kadu ifjiDork çfriQy nj ds vk/kj ij fd;k tkrk gSA lacaf/r ifjiDork çfriQy nj fiQeMk }kjk dsaæ ljdkj leku ifjiDork vof/ dh çfrHkwfr;ksa ds ifjiDork çfriQy nj ij fuEu ekdZ vi ds lkFk fd;k tkrk gS %&

(v) vof/ tcfd ckW.M dh ns;rk jkT; fMLdkWe ds ikl gS rFkk *lacaf/r jkT; ljdkj }kjk çR;kHkwr gS & 75 vk/kjfcanq *lacaf/r jkT; ljdkj }kjk çR;kHkwr ugh gS & 100 vk/kjfcanq

(c) vof/ tcfd ckW.M dh ns;rk laEcaf/r jkT; ljdkj ds ikl gS & 50 vk/kjfcanqA

.k- 'kwU; dwiu ckW.M 'kwU; dwiu ckW.M [kkrksa esa ykxr nj vFkkZr vtZu ewY; tksM+ vtZu ds le; ykxw ßkl nj ds vuqlkj mikftZr ßkl dh jkf'k tks fd cktkj ewY; ds vuqlkj ekdZ Vw ekdsZV gS ds vuqlkj n'kkZ;s tkrs gSaA cktkj ewY; ds vuqiyC/ gksus ij 'kwU; dwiu ckW.M] muds orZeku ewY; ds vuqlkj ekdZ Vw ekdsZV fd;s tkrs gSaA 'kwU; dwiu ckW.M ds orZeku ewY; dh x.kuk mlds vafdr ewY; dks 'kwU; dwiu vk; doZ dk bLrseky djrs gq;s] fiQeMk }kjk vkof/d varjky ij tkjh fd;s x;s 'kqU; dwiu çlkj dks mfpr ekdZ vi yxkdj] cV~Vkdj.k djrs gq, dh tkrh gSA

r- vU; fuos'k ßkl dks ?kVkus ds i'pkr] ogu ewY; ij

^foØ; ds fy;s miyC/* rFkk ^O;olk; ds fy;s j[kh xbZ* Js.kh dk mijksDr ewY;kadu fy[krksa ds vk/kj ij fd;k tkrk gS rFkk çR;sd Js.kh gsrq ewY; ßkl@o`f¼ dks lesfdr fd;k tkrk gSA çR;sd Js.kh gsrq fuoy ßkl dk çko/ku fd;k tkrk gS tcfd fuoy o`f¼ dks NksM+ fn;k tkrk gSA

3-8 fuos'k Hkkjrh; fjtoZ cSad ds xSj fu"ikfnr fuos'k oxhZdj.k gsrq foosdiw.kZ ekun.Mksa ds vUrxZr mi;qDr çko/ku@vk; dh vekU;rk ds v/hu gSA xSj fu"ikfnr çfrHkwfr;ksa ds ewY; ßkl@çko/ku dks vU; fu"ikfnr çfrHkwfr;ksa dh o`f¼ ds lkFk iwfjr ugh fd;k tkrk gSA

3-9 fjiks rFkk çR;kofrZr fjiks ysunsu dk ys[kk (Hkkjrh; fjtoZ cSad ds pyfuf/ lek;kstu lqfo/k ds vUrxZr fd;s x;s ysu&nsuksa ds vfrfjDr) fjiks rFkk çR;kofrZr fjiks ysunsuksa ds vUrxZr foØ; rFkk Ø; dh x;h çfrHkwfr;ksa dk ys[kk laikf'oZd ½.k ,oa m/kj ysunsuksa ds :i esa fd;k tkrk gSA rFkkfi çfrHkwfr;ksa dk vUrj.k lkekU; ,d eq'r foØ;@Ø; ekuk x;k gS ,oa çfrHkwfr;ksa dk lapyu fjiks@çR;kofrZr fjiks [kkrk rFkk izfr çfof"V dk ç;ksx djrs gq, n'kkZ;k tkrk gSA mDr çfof"V;ksa dk ifjiDork dh frfFk ij çR;korZu fd;k tkrk gSA ykxr ,oa vk; dks ;FkkfLFkfr C;kt O;;@vk; ds :i esa ys[kksa esa fy;k x;k gSA fjiks [kkrs dh 'ks"k jkf'k dk oxhZdj.k vuqlwph&4 (m/kj) rFkk çR;kofrZr fjiks [kkrs dh 'ks"k jkf'k dk oxhZdj.k vuqlwph&7 (cSadksa esa vfr'ks"k rFkk ekax ij rFkk vYi lwpuk ij çkI; /u) esa fd;k x;k gSA

173

h Commercial Paper At carrying Cost (book value plus accrued discount)

i Certificate of Deposits At carrying Cost (book value plus accrued discount)

J Security Receipts of ARCIL At net asset value of the asset as declared by Asset Reconstruction Companies (ARCs).

k Venture Capital Fund The quoted equity shares/ bonds/ units of VCFs in the Bank’s portfolio are held under AFS in line with valuation norms for other equity shares as per existing instructions from RBI.

l Bonds issued by State Distribution Companies (Discoms) under Financial Restructuring Plan

(i) If these bonds are traded and quoted, they are valued at their current ‘Market Value’.(ii) In case the bonds are not traded and quoted, they are valued on YTM basis. The relevant YTM will be YTM rates for Central Govt securities of equivalent maturities as put out by FIMMDA on the valuation day with the following mark-ups.(a) During the period when bonds’ liabilities are with the State Discoms and *If guaranteed by respective state govts – 75 bps.* If not guaranteed by respective state govts-100 bps.(b) During the period when bonds’ liabilities are with the respective state govts - 50 bps.

m Zero coupon Bonds (ZCBs) ZCBs are shown in the books at carrying cost, i.e. acquisition cost plus discount accrued at the rate prevailing at the time of acquisition, which is marked to market with reference to the market value. In the absence of market value, the ZCBs are marked to market with reference to the present value of the ZCB. The present value of ZCBs are calculated by discounting the face value using the ‘Zero Coupon Yield Curve’ with appropriate mark up as per the Zero coupon spreads put out by FIMMDA periodically.

n Other investments At carrying cost less diminution in value.

The above valuation in category of Available for Sale and Held for Trading are done scrip wise and depreciation / appreciation is aggregated for each classification. Net depreciation for each classification if any is provided for while net appreciation is ignored.

3.8 Investments are subject to appropriate provisioning/de-recognition of income, in line with the prudential norms of Reserve Bank of India for NPI classification. The depreciation/provision in respect of non-performing securities is not set off against the appreciation in respect of the other performing securities.

3.9 Accounting for Repo/ Reverse repo transactions (other than transactions under the Liquidity Adjustment Facility (LAF) with the RBI).

The securities sold and purchased under Repo/ Reverse repo are accounted as Collateralized lending and borrowing transactions. However securities are transferred as in case of normal outright sale/ purchase transactions and such movement of securities is reflected using the Repo/ Reverse Repo Accounts and Contra entries. The above entries are reversed on the date of maturity. Costs and revenues are accounted as interest expenditure/income, as the case may be. Balance in Repo A/c is classified under schedule 4 (Borrowings) and balance in Reverse Repo A/c is classified under schedule 7 (Balance with Banks and Money at Call & Short Notice).

174

Hkkjrh; fjtoZ cSad ds lkFk pyfuf/ lek;kstu lqfo/k (,y,,iQ) ds v/hu Ø;@foØ; dh xbZ çfrHkwfr;ksa dks fofuos'k [kkrs esa ukes@tek fd;k x;k gS vkSj mudks ysunsu dh ifjiDork dh frfFk ij çR;kofrZr fd;k x;k gSA mu ij O;;@vftZr C;kt dks O;;@vk; ds :i esa ys[kksa esa fy;k x;k gSA

4- vfxze

4-1 xSj fu"ikfnr vfxzeksa ds lEcU/ esa vkfLr oxhZdj.k ,oa çko/ku Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr vk; vfHkKku ,oa vkfLr oxhZdj.k (vkbZvkj,lh) ds ekun.Mksa ds vuqlkj fd;k tkrk gSA

4-2 vfxzeksa dks fo'ks"k ½.k gkfu çko/ku] vLFkkbZ çko/ku] bZ-lh-th-lh- ls çkIr nkos] iqucZV~VkÑr fcy] mfpr ewY; esa gqbZ deh ,oa R;kx fd;s x;s C;kt dks de djds fn[kk;k x;k gSA

4-3 vutZd vkfLr;ksa ij dfri; çko/ku ds vfrfjDr] ekud vkfLr;ksa ds fy, lkekU; çko/ku Hkh fd, x, gSaA ;s çko/ku rqyiui=k dh vuqlwph&5 ds ^vU; ns;rk,a ,oa çko/ku & vU;* 'kh"kZd ds varxZr n'kkZ, x, gSa vkSj fuoy vutZd vkfLr;ka fudkyus ds fy, bu ij fopkj ugha fd;k x;k gSA

4-4 /ks[kk/kM+h ds :i esa fpfUgr fd, x, vkfLr;ksa ij çko/ku] vkfLr;ksa ds /ks[kk/kM+h :i esa ?kksf"kr gksus ds i'pkRk vxys pkj frekfg;ksa esa fd;k tkrk gSA

4-5 okn nk;j gks pqds [kkrksa esa fof/d O;; dks jktLo O;; ekuk tkrk gS rFkk buesa gqbZ olwyh dks jktLo O;; esa tek fd;k tkrk gSA

4-6 vutZd vkfLr;ksa ds foØ; dks Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fn'kkfunsZ'kkuqlkj ys[kksa esa fy;k x;k gS%&

i) tc dksbZ cSad@foÙkh; laLFkk viuh foÙkh; vkfLr;ksa dk foØ; djrh gS rks vUrj.k ds i'pkRk ;g vkfLr mldh cgh ls gV tk;sxhA

ii) ;fn çfrHkwfrdj.k@iquZfuekZ.k daiuh dks foØ; fuoy cgh ewY; (,u-ch-oh) (vFkkZr çko/ku ?kVkdj cgh ewY;) ls de gS] rks bl deh dks mlh o"kZ ykHk ,oa gkfu [kkrs esa çHkkfjr fd;k tkrk gSA vutZd [kkrs ds fcØh ij gq, ?kkVs] vFkkZr tc foØ; fuoy cgh ewY; (,u-ch-oh) ls de ij gks] dks iwjk djus gsrq cSad çfr pØh; çko/ku@pyk;eku çko/ku dk mi;ksx dj ldrk gSA

iii) 26 iQjojh] 2014 ls iwoZ foØ; fd, x, vkfLr;ksa dk foØ; ewY; ;fn fuoy cgh ewY; (,u-ch-oh-) ls T;knk gS rks vf/D; çko/ku dh izfr çfof"V ugh dh tk;sxh vfirq bldk mi;ksx çfrHkwfrdj.k@iquZfuekZ.k daiuh dks ?kkVs esa csph xbZ vU; foÙkh; vkfLr;ksa gsrq fd;k tk;sxkA 26 iQjojh] 2014 ds ckn foØ; fd, x, vkfLr;ksa ds ekeys esa ;fn foØ; jkf'k ,u-ch-oh- ls vf/d gS rks vutZd vkfLr;ksa dh fcØh ij vkf/D; çko/ku dks vfHkysf[kr fd;k tk;sxkA iqu% vkf/D; çko/ku ds jkf'k dh izfr çfof"V vkfLr ds ,u-ch-oh ls vf/d çkIr udnh rd gh lhfer jgsxhA

rFkkfi 26 iQjojh] 2014 ds ckn rFkk 31 ekpZ] 2016 rd csph xbZ vkfLr;ksa ds fy,] vutZd vkfLr;ksa ds 'kh?kz foØ; ij çksRlkgu Lo:i] ;fn foØ; fuoy cgh ewY; (,u-ch-oh-) ls de ij gS] rks deh dk çko/ku nks o"kks± esa fd;k tkrk gSA

4-7 vfxzeksa dh iqujZpuk@iqufu/kkZj.k ds ekeys esa] Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr rjhds ls orZeku ewY; dh x.kuk ds vk/kj ij vfxzeksa ds mfpr ewY; esa gqbZ deh gsrq çko/ku fd;k tkrk gSA

5- vLFkk;h çko/ku

Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj] cSad esa vfxzeksa] fofu/kuksa rFkk lkekU; ç;kstuksa ds fy, i`Fkd :i esa vLFkk;h çko/kuksa ds l`tu ,oa mi;ksx gsrq vuqeksfnr uhfr gS] l`tu fd, tkus okys bu vLFkk;h çko/kuksa dh ek=kk dk fu/kkZj.k çR;sd foÙk o"kZ ds var esa fd;k tk,xk] bu vLFkk;h çko/kuksa dk mi;ksx Hkkjrh; fjtoZ cSad dh iwoZ vuqefr ls uhfr esa fu/kkZfjr vlk/kj.k ifjfLFkfr;ksa ds v/hu fliQZ vkdfLedrkvksa ds fy, gh fd;k tkrk gSA

6- ns'k lEcU/h fuos'k (,Dlikstj) gsrq çko/ku

vkfLr oxhZdj.k fLFkfr ds vuqlkj fd;s x;s fof'k"V çko/kuksa ds vfrfjDr O;fDrxr ns'k lEcU/h fuos'k (,Dlikstj) (x`g ns'k ds vfrfjDr) ds fy, Hkh çko/ku fd;k tkrk gSA ns'kksa dks lkr tksf[ke Jsf.k;ksa esa oxhZÑr fd;k x;k gS] ;Fkk xSj egRoiw.kZ] fuEu] eè;e] mPp] vfrmPp] çfrcfU/r ,oa xSj&lk[k rFkk Hkkjrh; fjtoZ cSad ds orZeku fn'kk&funsZ'kkuqlkj çko/ku fd;k tkrk

175

Securities purchased / sold under LAF with RBI are debited / credited to Investment Account and reversed on maturity of the transaction. Interest expended / earned thereon is accounted for as expenditure / revenue.

4. ADVANCES

4.1 Assets Classification and provisioning in respect of Non-Performing Advances is made as per Income Recognition, Asset Classification & Provisioning (IRAC) norms issued by the Reserve Bank of India.

4.2 Advances are net of specific loan loss provisions, floating provision, ECGC claims received, bills rediscounted, provision for diminution in fair value and interest sacrifice.

4.3 In addition to the specific provision on NPAs, general provisions are also made for standard assets. These provisions are reflected in Schedule 5 of the balance sheet under the head “Other Liabilities & Provisions – Others” and are not considered for arriving at Net NPAs.

4.4 In case of assets identified as fraud, the provisioning is done over four quarters upon declaration of fraud.

4.5 Legal expenses incurred in respect of suit filed accounts are treated as revenue expenditure and on recovery the same are credited to revenue expenditure.

4.6 The sale of NPA is accounted as per guidelines prescribed by RBI :-

(i) When a bank/FI sells its financial assets, on transfer the same will be removed from its books.

(ii) If the sale to SC/RC is at a price below the net book value (NBV) (i.e., book value less provisions held), the shortfall should be debited to the profit and loss account of that year. Bank can also use countercyclical/ floating provisions for meeting any shortfall on sale of NPAs i.e. when the sale is at a price below the net book value (NBV).

(iii) With regard to assets sold before February 26 2014, excess provision, on account of sale value being higher than NBV, is not reversed but is utilised to meet the shortfall / loss on account of sale of other financial assets to SC/RC. In case of assets sold after February 26, 2014, excess provision on sale of NPAs is accounted if the value is higher than NBV. Further, reversal of excess provision will be limited to the extent to which cash received exceeds the NBV of the assets.

However, for assets sold on or after February 26, 2014, and upto March 31, 2016, as an incentive for early sale of NPAs, Bank is providing, any shortfall, if the sale value is lower than the NBV, over a period of two years.

4.7 In case of restructuring /rescheduling of advances, erosion in the fair value of advances is provided on the basis of present values computed in the manner prescribed by the RBI.

5. FLOATING PROVISION

In accordance with the Reserve Bank of India guidelines, the bank has an approved policy for creation and utilization of floating provisions separately for advances, investments and general purpose. The quantum of floating provisions to be created is assessed at the end of each financial year. The floating provisions are utilized only for contingencies under extra ordinary circumstances specified in the policy with prior permission of Reserve Bank of India.

6. PROVISION FOR COUNTRY EXPOSURE

In addition to the specific provisions held according to the asset classification status, provisions are held for individual country exposures (other than the home country). Countries are categorised into seven risk categories, namely-insignificant, low, moderate, high, very high, restricted and off-credit and provisioning

176

gSA ;fn çR;sd ns'k ds lkFk cSad ds ns'k lEcU/h fuos'k (fuoy) cSad ds dqy dks"k vkfLr;ksa ds ,d çfr'kr ls vf/d ugha gS rks bu ns'k lEcU/h fuos'k ij çko/ku ugha j[kk tkrk gSA çko/ku dks rqyu&i=k dh vuqlwph&5 ^vU; nkf;Ro ,oa çko/ku* ds vUrxZr n'kkZ;k tkrk gSA

7- iêkÑr vkfLr;k¡

7-1 iV~Vk vk; Hkkjrh; lunh ys[kkdj laLFkku (vkbZ-lh-,-vkbZ-) ds fn'kk&funsZ'kksa@ys[kk ekudksa ds vuq:i iV~Vs dh çkFkfed vof/ esa vkUrfjd çfriQy nj ls vfHkKkfur dj ysf[kr dh tkrh gSA

7-2 ßkl dk çko/ku dEiuh vf/fu;e] 1956 dh vuqlwph&14 ds varxZr fu/kkZfjr njksa ij leku nj fof/ ls fd;k tkrk gSA vfrfjDr iV~Vk ewY;ßkl dks ykxw fn'kk&funsZ'kkuqlkj iV~Vk lek;kstu [kkrs ds }kjk iV~VkÑr vkfLr;ksa dh ykxr ds fo#¼ lek;ksftr fd;k tkrk gSA

7-3 xSj&fu"ikfnr iV~VkÑr vkfLr;ksa ij çko/ku Hkkjrh; fjtoZ cSad ds fn'kk&funsZ'kkuqlkj vfxzeksa ij ykxw vkbZvkj,lh ds çfrekuksa ds vuqlkj fd;k tkrk gSA

8- O;qRiUu

8-1 rqyui=k@rqyui=k brj vkfLr;ksa vkSj ns;rkvksa vFkok buds Ø;&foØ; mís';ksa gsrq cpko O;oLFkk djus ds fy, O;qRiUu lafonk,a tSls&fons'kh eqæk fodYi] C;kt nj fofue;] eqæk fofue;] ijLij eqæk C;kt nj fofue; vkSj ok;nk nj djkj fu"ikfnr fd, tkrs gSa] rqyui=k dh vkfLr;ksa vkSj ns;rkvksa ds fy, cpko&O;oLFkk djus ds ç;kstu ls fu"ikfnr dh tkus okyh fofue; lafonk,a bl çdkj rS;kj dh tkrh gSa fd rqyui=k dh varfuZfgr enksa dk çHkko çfrdwy vkSj çfr larqyudkjh gks] bu O;qRiUu fy[krksa dk çHkko varfuZfgr vkfLr;ksa ds Ø;&foØ; ij fuHkZj djrk gS vkSj bls cpko&O;oLFkk ys[kkdj.k fl¼krksa ds vuqlkj ys[ks esa fy;k tkrk gSA

8-2 lHkh O;qRiUu fy[krksa dks rqyui=k esa vkfLr;ksa ;k ns;rkvksa ds :i esa 'kkfey fd;k x;k gS vkSj budh cktkj ds vafdr ewY; ds vuqlkj x.kuk dh xbZ gSA

8-3 cpko lafonkvksa ds :i esa oxhZÑr O;qRiUu lafonkvksa dks çksn~Hkou vk/kj ij vafdr fd;k x;k gSA cpko lafonkvksa dh x.kuk rc rd cktkj ewY; ds vuqlkj ugha dh tkrh gS tc rd fd varfuZfgr vkfLr;k¡@ns;rk,a cktkj ewY; ds vuqlkj vafdr u dh xbZ gksaA

8-4 flok; mi;qZDr ds] lHkh vU; O;qRiUu lafonk,a m|ksx esa çpfyr lkekU;r;k ekU; ys[kkdj.k fl¼karksa ds vuqlkj cktkj ewY; ds vuqlkj vafdr dh tkrh gSa] cktkj ewY; ds vuqlkj vafdr O;qRiUu lafonkvksa ds laca/ esa ifjorZu dh vof/ esa cktkj ewY; esa ifjorZuksa dks ykHk&gkfu [kkrs esa vfHkKkfur fd;k tkrk gSA

8-5 lanÙk ;k çkIr çhfe;e fodYi] fodYi dh vof/ dh lekfIr ij ykHk vkSj gkfu [kkrs esa ntZ fd;k x;k gSA foØ; fd, x, fodYiksa ij çkIr çhfe;e vkSj Ø; fd, x, fodYiksa ij lanÙk çhfe;e dh 'ks"k jkf'k dk dkmaVj fodYi ij fons'kh eqæk ds fy, cktkj ewY; ij ifjdyu djds cgh esa 'kkfey fd;k x;k gSA

8-6 opko lafonkvksa ds varxZr çkfIr;ka] tks fd 90 fnuks ls T;knk rd vfrns; gSa] dh izfr çfof"V ykHk gkfu [kkrs ls ^mpar [kkrs & l?kfur çkfIr;ka* ds ekiQZr dh tkrh gSA ,sls ekeys ftues opko foÙkh; fooj.kh (,dy) lafonk Hkfo"; esa vkSj le>kSrksa dk çLrko djrh gS rFkk ;fn opko lafonk 90 fnu i'pkRk Hkh çkfIr;ksa ds vfrns; jgus ls jí ugh gksrh gS] Hkfo";xr çkfIr;ksa gsrq /ukRed ,eVh,e dh izfr çfof"V Hkh ^mpar [kkrs & /ukRed ,eVh,e* ds ekiQZr dh tkrh gSA

8-7 O;olk; ds mís'; ls çkIr fofue; VªsMsM O;qRiUu dk ewY;kadu fofue; cktkj }kjk fn;s x;s çpfyr cktkj ewY; ij fd;k tkrk gS rFkk ifj.kkfer equkiQs rFkk ?kkVs dks ykHk gkfu [kkrs ls vfHkKkfur fd;k tkrk gSA

9- fLFkj vkfLr;k¡

9-1 fLFkj vkfLr;ksa dk lafpr ewY; ßkl ls de ykxr ij vadu fd;k x;k gSA

9-2 ifjlj esa iV~VkÑr lEifÙk;ksa ds lkFk&lkFk iw.kZ LokfeRo okyh lEifÙk;ka lfEefyr gSaA

9-3 ykxr esa Ø; ykxr rFkk leLr O;;] tSls fd LFky dh rS;kjh] laLFkkiu ykxr vkSj vkfLr ij mldk mi;ksx djus ls iwoZ

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made as per extant RBI guidelines. If the country exposure (net) of the bank in respect of each country does not exceed 1% of the total funded assets, no provision is maintained on such country exposures. The provision is reflected in schedule 5 of the balance sheet under the “Other liabilities & Provisions – Others”.

7. LEASED ASSETS7.1 Lease income is recognised based on the internal rate of return method over the primary period of the

leased assets and accounted for in accordance with guideline/Accounting Standard issued by the Institute of Chartered Accountants of India (ICAI).

7.2 Depreciation is provided on Straight Line Method at rates prescribed under Schedule-XIV of the Companies Act 1956. Extra lease depreciation, in accordance with the applicable guidelines, is adjusted against the cost of Lease assets through lease equalization account.

7.3 Provision for Non-Performing leased assets is made on the basis of IRAC norms applicable to advances, as per RBI guidelines.

8. DERIVATIVES

8.1 Derivative contracts, such as foreign currency options, interest rate swaps, currency swaps, cross currency interest rate swaps and forward rate agreements are entered, in order to hedge on-balance sheet/off-balance sheet assets and liabilities or for trading purposes. The swap contracts entered to hedge on-balance sheet assets and liabilities are structured in such a way that they bear an opposite and offsetting impact with the underlying on-balance sheet items. The impact of such derivative instruments is correlated with the movement of the underlying assets and accounted in accordance with the principles of hedge accounting.

8.2 All derivative instruments are recognized as assets or liabilities in the balance sheet and measured at marked to market.

8.3 Derivative contracts classified as hedge are recorded on accrual basis. Hedge contracts are not marked to market unless the underlying Assets / Liabilities are also marked to market.

8.4 Except as mentioned above, all other derivative contracts are marked to market as per the generally accepted practices prevalent in the industry. In respect of derivative contracts that are marked to market, changes in the market value are recognized in the profit and loss account in the period of change.

8.5 Option premium paid or received is recorded in profit and loss account at the expiry of the option. The Balance in the premium received on options sold and premium paid on options bought have been considered to arrive at Marked to Market value for forex Over the Counter options.

8.6 Any receivable under derivatives contract, which remain overdue for more than 90 days are, reversed through profit and loss account to “Suspense account crystallized receivable”. In cases where the derivatives Financial Statements (standalone) contract provide for more settlement in future and if the derivative contract is not terminated on the overdue receivable remaining unpaid for 90 days, the positive MTM pertaining to future receivable is also reversed from Profit and Loss account to “Suspense Account – Positive MTM”.

8.7 Exchange traded derivatives entered into for trading purpose are valued at prevailing market rates based on rates given by the exchange and the resultant gains and losses are recognised in the Profit and Loss Account.

9. FIXED ASSETS9.1 Fixed Assets are carried at cost less accumulated depreciation.

9.2 Premises include freehold as well as leasehold properties.

9.3 Cost includes cost of purchase and all expenditure such as site preparation, installation costs and

178

ogu dh xbZ iQhl 'kkfey gSA rn~uqlkj mi;ksx dh xbZ vkfLr;ksa ij ogu fd, x;s vuqorhZ O;; dks dsoy rHkh iwathÑr fd;k x;k gS] tc ;s O;; bu vkfLr;ksa dh dk;Z {kerk dks c<+krs gSaA

9-4 fLFkj vkfLr;ksa ij ewY;ßkl dk çko/ku fuEu çdkj ls fd;k x;k gS%&

Ø-l- fooj.k leku nj fof/ ewY; ds vuqlkj ßkl dh nj

1- ifjlj ftlesa cSad O;olk; gsrq ç;qDr Hkou] vfrfFk x`g rFkk vkoklh; ç;kstu ds Hkou 'kkfey gSa

1.6667%

2- okgu (eksVj dkj) 20%

3- lqj{kk tek ykdj] vfXu jks/h MkVk lsiQ] otz x`g }kj 5%

4- fctyh ds fiQfVax o tqM+ukj dks NksM+dj iQuhZpj o tqM+ukj 10%

5- fctyh ds fiQfVax ,oa tqM+ukj 20%

6- vf/dkfj;ksa ds vkokl ij miyC/ djkbZ xbZ ens&fctyh ds midj.k ydM+h rFkk LVhy ds iQuhZpj njh ,oa insZ

20%10%

33.33%

7- dEI;wVj 33.33%

8- Lopkfyr Vsyj e'khu (,Vh,e)] udn tek e'khu (lhMh,e)] flDdk forjd e'khu (dS'k fMLisalj)] udn osafMax e'khu (lhoh,e)

20%

9- loZj 25%

10- usV~ofdaZx midj.k (tSls fLop] jkmVj] gc vkfn) 20%

11- dEI;wVj lkWÝVos;j tks fd gkMZos;j ds vfoHkkT; Hkkx gS 33.33%

12- dEI;wVj lkWÝVos;j tks fd gkMZos;j ds vfoHkkT; Hkkx ugha gS 33.33%

ewY; ßkl dh x.kuk muds mi;ksx fd, x, fnuksa ds vuqikfrd vk/kj ij dh tkrh gSA9-5 tgk¡ dgha Hkwfe ,oa Hkou dk ewY; vyx&vyx igpku ;ksX; ugha gS] ogk¡ ifjlj ij ewY; ßkl dk çko/ku lfeJ ykxr ij

fd;k tkrk gSA9-6 o"kZ ds nkSjku fcØh@fuLrkfjr dh xbZ vkfLr;ksa ij ewY;ßkl dk çko/ku ugha fd;k tkrk gSA9-7 çxfrxr iw¡thxr dk;Z esa vkfLr;ksa ds Ø; ds fy, fd;k x;k vfxze Hkqxrku Hkh lfEefyr gSA

10- vkfLr;ksa dh vilkekU;rk ys[kk ekud&28 ds vuqlkj tc dHkh ?kVuk,¡ vFkok fLFkfr;ksa esa ifjorZu ;g ladsr nsrs gSa fd fdlh vkfLr dh vxzfur jkf'k

dh olwyh lafnX/ gS rks ,slh fLFkfr esa vpy vkfLr;ksa dh vilkekU;rk gsrq leh{kk dh tkrh gS] /kfjr vkSj ç;ksx dh tkus okyh vkfLr dh olwyh gks ik,xh ;k ugha bls ekius ds fy, vkfLr ds vxzfur ewY; dh rqyuk vkfLr }kjk visf{kr Hkfo";xr fuoy cêkÑr udnh çokg ls rqyuk djds Kkr dh tkrh gS] ;fn ,slh vkfLr;ksa dks vilkekU;rk ds ;ksX; ik;k tkrk gS rks vilkekU;rk dk eki&vfHkKku ml vf/d jkf'k ds vk/kj ij fd;k tkrk gS tks vkfLr ds vxzfur ewY; vkSj mlds mfpr ewY; ds chp dk varj gSA

11- deZpkjh ykHk

11-1 vYidkfyd deZpkjh ykHk

vYidkfyd deZpkjh ykHkksa dh v?kksf"kr jkf'k ;Fkk fpfdRlk ykHk] vkdfLed vodk'k bR;kfn tks fd deZpkfj;ksa }kjk nh x;h

179

professional fees incurred on the asset before it is put to use. Subsequent expenditure incurred on assets put to use is capitalised only when it increases the future benefits from such assets or their functioning capability.

9.4 Depreciation on Fixed Assets is provided as under :-

S.N. PARTICULARS Rates of Depreciation on SLM Basis

1. Premises including building used for the Bank’s business, guest house and residential purpose.

1.6667%

2. Vehicles (Motor cars) 20%

3. Safe Deposit Lockers, Fire proof Data Safe, Strong Room Doors 5%

4. Furniture & Fixture other than Electrical Fittings and Fixtures 10%

5 Electrical Fittings and Fixtures 20%

6. Items provided at residence of officials –Electrical EquipmentsWooden & Steel FurnitureCarpets & Curtains

20%10%

33.33%

7. Computer 33.33%

8. Automated Teller Machine (ATM), Cash Deposit Machine (CDM), Coin Dispenser (CD), Cash Vending Machine (CVM)

20%

9. Servers 25%

10. Networking Equipments (viz. switches, routers, hubs etc) 20%

11 Computer Software forming an integral part of hardware 33.33%

12 Computer Software which does not form an integral part of hardware 33.33%

Depreciation has been charged on the basis of number of days put to use on a proportionate basis.

9.5 Depreciation on premises is provided on composite cost, wherever the value of land and building is not separately identifiable.

9.6 No depreciation is provided on assets sold/ disposed off during the year.

9.7 Capital Work in Progress also includes advance payment for purchase of assets.

10. IMPAIRMENT OF ASSETS

As per Accounting Standard – 28, Fixed Assets are reviewed for impairment whenever events or changes in circumstances warrant that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net discounted cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the asset exceeds the fair value of the asset.

11. EMPLOYEE BENEFITS

11.1 Short Term Employee Benefit:

The undiscounted amount of short term employee benefits, such as medical benefits, casual leave etc.

180

lsokvksa ds cnys esa Hkqxrku dh tkrh gS] dks bl vof/ ds nkSjku muds }kjk çnku dh xbZ lsokvksa ds dkj.k vfHkKkfur fd;k x;k gSA

11-2 fu;kstuksÙkj ykHk ;kstuk;sai) fu/kkZfjr ykHk ;kstuk cSad vius leLr ik=k deZpkfj;ksa ds fy, Hkfo"; fuf/ ;kstuk lapkfyr djrk gSA cSad mu deZpkfj;ksa ds fy, ftUgksaus isa'ku

fodYi ugha fn;k gS] ds fy, viuk ekfld va'knku ,d fu/kZfjr nj (orZeku esa deZpkjh ds ewy osru ,oa ns; ;ksX; HkÙks dk 10%) ij ;ksxnku djrk gSA va'knku dh jkf'k dks bl mís'; ds fy, LFkkfir vuqeksfnr VªLV dks gLrkarfjr fd;k tkrk gS ,oa ftls ykHk gkfu [kkrs ds ukes fd;k tkrk gSA

cSad minku ,oa isa'ku ;kstukvksa dk lapkyu djrk gS tks fu/kZfjr ykHk ;kstuk,¡ gSaA cSad leLr ik=k deZpkfj;ksa ds fy, minku jkf'k dk çko/ku djrk gSaA minku jkf'k tks minku vf/fu;e] 1972 ds vuqlkj

deZpkjh }kjk çnr çR;sd iw.kZ o"kZ ds lsok dky gsrq 15 fnu ds ;ksX; osru ds cjkcj vf/dre `10]00]000@& Hkqxrku dh tkrh gS tc rd fd LVsV cSad vkWiQ chdkusj ,.M t;iqj] (deZpkfj;ksa dks minku jkf'k Hkqxrku) fofu;e] 1970 ds v/hu vf/d u gksA blds fy, cSad }kjk okf"kZd va'knku tks okf"kZd vk/kj ij fd, x, ,d Lora=k ckgjh ,Dpqfj;y ewY;kadu ij vk/kfjr gksrk gS] dks ,d fuf/ dks vUrfjr fd;k tkrk gS ftldk lapkyu U;kfl;ksa }kjk fd;k tkrk gSA

cSad] LVsV cSad vkWiQ chdkusj ,.M t;iqj] (deZpkjh) isa'ku fofu;e] 1995 ds vuqlkj leLr ik=k deZpkfj;ksa ds fy, isa'ku dk çko/ku djrk gSA ;g ykHk ik=k deZpkfj;ksa dks ekfld isa'ku ds :i esa çkIr gksrk gSA blds fy, cSad] U;kfl;ksa }kjk fu;af=kr ,d dks"k esa fd, x, okf"kZd cká ,Dpqfj;y ewY;kadu ds vk/kj ij okf"kZd va'knku djrk gSA

fu/kZfjr ykHkksa dks çnku djus dh ykxr dk fu/kkZj.k çR;sd rqyu i=k dh frfFk dks ,Dpqfj;y ewY;kadu ds rgr vuqekfur bdkbZ tek fof/ (,,l&15 ds rgr vuq'kaflr fof/) }kjk fd;k tkrk gSA

ykHk/gkfu dks ykHk ,oa gkfu fooj.kh esa vfHkKkfur fd;k tkrk gS ,oa vkLFkfxr ugha fd;k tkrkA

ii) ifjHkkf"kr va'knku ;kstuk,a cSad }kjk 1 vçSy] 2010 dks ;k mlds ckn cSad dh lsok esa vk;s lHkh vf/dkfj;ksa@deZpkfj;ksa ds fy, ,d ubZ isa'ku ;kstuk

(,u-ih-,l-) ifjpkfyr dh xbZ gS] tks ,d ifjHkkf"kr va'knku ;kstuk gS] cSad dh lsok esa vkus okys ,sls u;s vf/dkjh@deZpkjh fo|eku ,l-ch-ch-ts- isa'ku ;kstuk ds lnL; cuus ds fy, ik=k ugha gSaA ;kstuk ds vuqlkj bl ds vUrxZr vkus okys deZpkjh vius ewy osru vkSj egaxkbZ HkÙks dk 10 çfr'kr bl ;kstuk esa va'knku djrs gSa vkSj lkFk esa mruk gh va'knku cSad }kjk fd;k tkrk gSA iathdj.k çfØ;k yafcr gksus ds dkj.k] ;s va'knku cSad esa tek ds :i esa j[ks x;s gSa rFkk ;s Hkfo"; fuf/ ds pkyw [kkrs ds 'ks"k esa orZeku C;kt nj dh jkf'k ds cjkcj C;kt vftZr djrh gSA cSad ,sls okf"kZd va'knkuksa ,oa C;kt dks mlh o"kZ esa ,d O;; ds :i esa vfHkKkfur djrk gS ftlls os lacaf/r gksrs gSaA LFkkbZ lsokfuo`r [kkrk la[;k (ihvkj,,u) çkIr gksus ds i'pkRk] bl lesfdr jkf'k dks ,uih,l VªLV dks LFkkukUrfjr fd;k tkrk gSA

iii) vU; nh?kZdkyhu deZpkjh ykHk cSad ds leLr ik=k deZpkjh {kfriwfjr vuqifLFkr] jtr t;arh iqjLdkj] ;k=k fj;k;r vodk'k] lsokfuo`fÙk ikfjrks"k ,oa fjlsVyesaV

HkÙkksa ds fy, ik=k gSaA ,sls nh/kZdkyhu deZpkjh ykHkksa dh ykxr dh O;oLFkk cSad }kjk vkUrfjd fuf/d dh tkrh gSA vU; nh?kZdkyhu ykHk çnku djus dh ykxr dk fu/kkZj.k çR;sd rqyu i=k dh frfFk dks ewY;kadd }kjk ç{ksfir bdkbZ lk[k

fof/ ls ewY;kadu dj fd;k tkrk gSA xr lsok ykxr dks vkLFkfxr u dj ykHk gkfu [kkrk fooj.kh esa vfHkKkfur fd;k tkrk gSA

12- çfr 'ks;j vk;12-1 cSad vkbZlh,vkbZ }kjk tkjh ys[kk ekud&20 ^çfr 'ks;j vk;* ds vuqlkj çfr 'ks;j ewy vkSj de gqbZ vk; dh fjiksVZ djrk

gS] çfr 'ks;j ewy vk; dh x.kuk djksijkar fuoy ykHk dks ml o"kZ ds fy, 'ks"k bfDoVh 'ks;jksa dh Hkkfjr vkSlr la[;k ls foHkkftr djds dh tkrh gSA

12-2 de dh gqbZ çfr 'ks;j vk; ;g çnf'kZr djrh gS fd ;fn çfrHkwfr;ksa vFkok vU; lafonkvksa dks o"kZ ds nkSjku tkjh djus ;k laifjofrZr djus dk fodYi fy;k x;k gks rks 'ks;j ewY;ksa esa fdruh deh vk;sxhA

12-3 ruqÑr çfr 'ks;j vk; dh x.kuk bfDoVh 'ks;jksa dh Hkkfjr vkSlr la[;k vkSj laEHkkO; bfDoVh 'ks;jks ds }kjk dh tkrh gSA

181

which are expected to be paid in exchange for the services rendered by the employees are recognized during the period when the employee renders the service.

11.2 Post Employment Benefits: i) Defined Benefit Plan The Bank operates a Provident Fund scheme for its all eligible employees. The Bank contributes monthly

its contribution for the employees who have not opted for pension, at a determined rate (currently 10% of employee’s basic pay plus eligible allowance). These contributions are remitted to an approved trust established for this purpose and are charged to Profit & Loss Account.

The Bank operates gratuity and pension schemes, which are defined benefit plans. The Bank provides for gratuity to all eligible employees. The gratuity, an amount equivalent of 15 days

eligible salary payable for each completed year of service, is paid subject to a maximum amount of Rs.10,00,000/- as per Gratuity Act, 1972 unless the same is higher in terms of the State Bank of Bikaner & Jaipur (Payment of Gratuity to Employees) Regulation, 1970. The Bank makes annual contributions to a fund administered by trustees based on an independent external actuarial valuation carried out annually.

The Bank provides for pension to all eligible employees as per the State Bank of Bikaner & Jaipur (Employees') Pension Regulation, 1995. The benefit is in the form of monthly pension to eligible employees. The Bank makes annual contributions to funds administered by trustees based on an independent external actuarial valuation carried out annually.

The cost of providing defined benefits is determined using the projected unit credit method (recommended method under AS-15), with actuarial valuations being carried out at each balance sheet date.

Gains/ losses are recognized in the statement of profit and loss and are not deferred.

ii) Defined Contribution Plans

The bank operates a new pension scheme (NPS) for all officers/ employees who joined the Bank on or after 1st April, 2010, which is a defined contribution plan, such new employees/officers not being entitled to become members of the existing SBBJ Pension Scheme. As per the scheme, the employees covered contribute 10% of their basic pay plus dearness allowance to the scheme together with a matching contribution from the Bank. Pending completion of registration procedures, these contributions are retained as deposits in the bank and earn interest at the same rate as that of the current account of Provident Fund balance. The bank recognises such annual contributions and interest as an expense in the year to which they relate. Upon receipt of the Permanent Retirement Account Number (PRAN), the consolidated contribution amounts are transferred to the NPS Trust.

iii) Other Long Term Employee benefits:

All eligible employees of the bank are eligible for compensated absences, silver jubilee award, leave travel concession, retirement award and resettlement allowance. The costs of such long term employee benefits are internally funded by the bank.

The cost of providing other long term benefits is determined using the projected unit credit method with actuarial valuations being carried out at each balance sheet date. Past service cost is recognized in the statement of profit and loss and is not deferred.

12. EARNINGS PER SHARE

12.1 The Bank reports basic and diluted earnings per share in accordance with AS 20 ‘Earnings per Share’ issued by the ICAI. Basic earnings per share are computed by dividing the net profit after tax by the weighted average number of equity shares outstanding for the year.

12.2 Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue equity shares were exercised or converted during the year.

12.3 Diluted earnings per share are computed using the weighted average number of equity shares and diluted potential equity shares outstanding at year end.

182

13- vk; ij dj13-1 vk;dj O;; ds vUrxZr orZeku dj ,oa vkLFkfxr dj dh dqy jkf'k gSA orZeku o"kZ ds djksa dk fu/kkZj.k çpfyr dj njksa

,oa dj fu;eksa ds vk/kj ij fd;k x;k gSA o"kZ ds nkSjku vkLFkfxr dj lek;kstuksa esa] vkLFkfxr vkfLr;ka vFkok nkf;Roksa esa ifjorZu lekfo"V gSA

13-2 vkLFkfxr dj vkfLr;ksa vkSj nkf;Roksa dks lEifÙk;ksa ,oa nkf;Roksa ds oguh; ewY;ksa vkSj muls lcaf/r dj vk/kj ,oa vxys ykHkksa ls ?kkVkiwfrZ ds chp le; vUrjkyksa ds Hkkoh dj ifj.kkeksa gsrq vfHkKkfur fd;k x;k gSA vkLFkfxr dj vkfLr;ksa rFkk nkf;Roksa dk ekiu dj njksa ,oa dj fu;eksa ds vk/kj ij fd;k x;k gS tks fd rqyu i=k dh frfFk ls iwoZ vf/fu;fer vFkok vuqorhZ vf/fu;fer fd;k x;k gSA vkLFkfxr dj vkfLr;ksa ,oa nkf;Roksa esa ifjorZuksa dk çHkko ykHk&gkfu [kkrs esa vfHkKkfur fd;k tkrk gSA

13-3 vkLFkfxr dj vkfLr;ka ,,l&22 ,oa çcU/u ds fu.kZ; ds vk/kj ij ;fn olwyh fuf'pr ekuh xbZ gks] rks çR;sd çfrosfnr frfFk dks fu/kkZfjr ,oa iqu% ewY;kafdr dh tkrh gSA vkLFkfxr dj vkfLr;ksa dks dsoy rHkh vfHkKkfur fd;k tkrk gS ;fn lgh ek;us esa ;g lEHko gks] fd ,slh vkLFkfxr dj vkfLr;ksa dh olwyh Hkkoh dj ;ksX; vk; ls dh tk ldsxhA

14- çko/ku] vkdfLed ns;rk,¡ vkSj vkfLr;k¡14-1 Hkkjrh; lunh ys[kkdkj laLFkku ds ys[kk ekud&29 ds vuqlkj tkjh ¶çko/ku] vkdfLed ns;rk,¡ vkSj vkdfLed vkfLr;k¡¸]

dh laxfr esa cSad fiNys ifj.kke ls mn~Hkwr orZeku nkf;Ro gksus ij gh çko/ku 'kkfey djrk gS] ;g laHko gS fd nkf;Ro ds fu/kkZj.k esa vkfFkZd ykHk dks lekfo"V djus okys lalk/uksa ds cfgxZeu dh vko';drk iM+sxh vkSj rHkh bl nkf;Ro jkf'k dk fo'oLr çkDdyu fd;k tk ldrk gSA

14-2 fuEufyf[kr ds fy, fdlh çko/ku dk vfHkKku ugha fd;k x;k gS%i) fiNys ifj.kke ls mn~Hkwr fdlh lEHkkfor nkf;Ro ds fy, vkSj cSad ds fu;a=k.k ls ckgj gksus okys ,d ;k vf/d

vfuf'pr Hkkoh ifj.kkeksa dh çkfIr ;k vçkfIr ls ftldh iqf"V dh tk ldsxh vFkokii) fdlh orZeku nkf;Ro ds fy,] tks fiNys ifj.kkeksa ls mn~Hkwr gS fdUrq mls vfHkKku esa ugha fy;k x;k gS] D;ksfdv) ;g laHko ugha gS fd nkf;Ro ds fu/kkZj.k esa vkfFkZd ykHkksa dks lekfo"V djus okys lalk/kkuksa dk cfgxZeu vko';d

gksxk] vFkokc) nkf;Ro jkf'k dk fo'oLr çkDdyu ugha fd;k tk ldrkA ,sls nkf;Roksa dks vkdfLed ns;rkvksa ds :i esa ntZ fd;k x;k gS] bu nkf;Roksa dk fu;fer varjkyksa ij ewY;kadu fd;k

tkrk gS vkSj ,sls nkf;Ro ds dsoy ml va'k dk] ftlds vkfFkZd ykHkksa dks lekfo"V djus okys lalk/uksa ds cfgxZeu dh laHkkouk gS] furkUr nqyZHk ifjfLFkfr;ksa] ftuesa dksbZ fo'oLr çkDdyu ugha fd;k tk ldrk] ds vykok çko/ku fd;k x;k gSA

iii) vkdfLed vkfLr;ksa dks foÙkh; fooj.kksa esa 'kkfey ugha fd;k x;k gS] D;ksafd vk; ds fu/kkZj.k ij bldk çHkko iM+ ldrk gS] tcfd bldh olwyh ugha dh tk ldrhA

15- udnh vkSj udnh lerqY; udnh vkSj udnh lerqY; esa gkFk udnh ,oa ,Vh,e esa udnh rFkk /kfjr Lo.kZ] Hkkjrh; fjtoZ cSad] vU; cSadksa ds lkFk

tek;sa ,oa ekax ij ns; o vYi lwpuk ij çkI; /u 'kkfey gSA

16- fuoy ykHk ,oa vkdfLedrk fuf/(v) fuoy ykHk dh x.kuk fuEukuqlkj çko/ku ,oa vkdfLedrk,a djus ds i'pkRk dh xbZ gS%&

i) fuos'kksa ij ewY;gkl ii) vk;dj gsrq çko/kuiii) ½.k gkfu;ksa gsrq çko/kuiv) ekud vkfLr;ksa gsrq çko/ku ,oa

v) vU; lkekU; ,oa vko';d çko/kuksa vkSj vkdfLedrkvksa esa vUrj.k (c) vkdfLed fuf/;ksa dks rqyu i=k esa vuqlwph&5 esa vU; nkf;Roksa ,oa çko/kuksa 'kh"kZd ds vUrxZr oxhZÑr@lewfgr fd;k

x;k gSA**********

183

13. TAXES ON INCOME

13.1 Income Tax expense is the aggregate amount of current tax and deferred tax. Current year taxes are determined in accordance with the prevailing tax rates and tax laws. Deferred tax adjustments comprise changes in the deferred tax assets or liabilities during the year.

13.2 Deferred tax assets and liabilities are recognised by considering the impact of timing differences between taxable income and accounting income for the current year and carry forward losses. Deferred tax assets and liabilities are measured using tax rates and tax laws that have been enacted or subsequently enacted at the balance sheet date.

13.3 Deferred tax assets are recognized and reassessed at each reporting date, in accordance with AS -22 and based upon management's judgment as to whether realisation is considered certain. Deferred tax assets are recognized only if there is virtual certainty that such deferred tax assets can be realised against future taxable income.

14. PROVISIONS, CONTINGENT LIABILITIES & CONTINGENT ASSETS

14.1 In conformity with AS 29, “Provisions, Contingent Liabilities and Contingent Assets”, issued by the Institute of Chartered Accountants of India, the Bank recognizes provisions only when it has a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and when a reliable estimate of the amount of the obligation can be made.

14.2 No provision is recognized for:

i) Any possible obligation that arises from past events and the existence of which will be confirmed only by the occurrence or non-occurrence of one or more uncertain future events not wholly within the control of the Bank; or

ii) Any present obligation that arises from past events but is not recognized because

a) It is not probable that an outflow of resources embodying economic benefits will be required to settle the obligation; or

b) A reliable estimate of the amount of obligation cannot be made.

Such obligations are recorded as Contingent Liabilities. These are assessed at regular intervals and only that part of the obligation for which an outflow of resources embodying economic benefits is probable, is provided for, except in the extremely rare circumstances where no reliable estimate can be made.

iii) Contingent Assets are not recognized in the financial statements as this may result in the recognition of income that may never be realized.

15. CASH & CASH EQUIVALENTS

Cash and cash equivalents include cash on hand and in ATM’s, and gold in hand, balances with RBI, balances with other banks, and money at call and short notice.

16. NET PROFIT AND CONTINGENCY FUND

a) Net Profit is arrived at after accounting for the following "Provisions and Contingencies".

i) Depreciation on Investments

ii) Provision for Income Tax

iii) Provision for Loan Lossesiv) Provision for Standard Assets andv) Other usual and necessary provisions and transfer to contingencies.

b) Contingency funds are grouped in Schedule-5 of the Balance sheet under the head "other Liabilities and Provision".

**********

184

fVIif.k;k¡] tks fd rqyu&i=k ,oa ykHk&gkfu [kkrs dk la:fir Hkkx gSa%

1- fofuos'k%&

(v) rRdky ldy fuiVku (vkj-Vh-th-,l)@jsiks@lh-ch-,y-vks- ysusnsu ds fy, `6962-00 djksM++ (xr o"kZ `7657-00 djksM++) ds fofuèkku Hkkjrh; fjT+koZ cSad@Dyh;fjax dkWjiksjs'ku vkWiQ bfMa;k ds ikl ekftZu ds :i esa j[ks x;s gSaA

(c) futh lerk dks"k esa j[kh xbZ izfrHkwfr;ksa dk ewY;kadu uohure miyC/ lwpuk ds vk/kj ij fd;k x;k gSA

2- fLFkj vkfLr;ka%&

(v) ifjljksa ds lEcU/ esa] ftudk ldy ewY; `0-42 djksM++ (xr o"kZ `0-42 djksM++) gS] ds ekeys esa fu;r dkuwuh vkSipkjdrkvksa ds iwjk u gksus ds dkj.k] LoRokf/dkj foys[kksa dk cSad ds i{k esa fu"iknu@iath;u gksuk vc rd 'ks"k gSA

(c) fLFkj vkfLr;ksa ds ldy ewY; esa (ifjlj ds vykok) gkMZos;j rFkk lkÝVos;j dk ewY; `746-61 djksM++ (xr o"kZ `736-43 djksM++) 31-03-2016 rd] tks fd cSad rFkk Hkkjrh; LVsV cSad ,oa vU; lg;ksxh cSadksa ds la;qDr LokfeRo esa gSa] 'kkfey gSA

3- ½.k%&

(v) lhMhvkj@xSj lhMhvkj ds vUrZxr iqul±jfpr ekud vfxzeksa dh fLFkfr esa] vfxzeksa dk oxhZdj.k rFkk ifj.kkeh vk; fuèkkZj.k iqul±jfpr izLrko ds fu;e vkSj 'krks± dh eq[; vuqikyukvksa ds vkèkkj ij] foLrkfjr vofèk tgka ykxw gks lfgr] fd;k x;k gSA

(c) iqul±jfpr@iqu% fu/kZfjr vfxzeksa ij R;kx dh jkf'k dh O;oLFkk gsrq Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kkuqlkj vfxzeksa ds mfpr ewY; esa deh `218-58 djksM++ dh (xr o"kZ `436-75 djksM++) dh O;oLFkk dh xbZ gSA

(l) /ks[kk/M+h okys [kkrksa ds çko/ku ds ekeys esa] ml frekgh ftles /ks[kk/M+h dk irk pyk gS ls vxyh pkj frekfg;ksa esa foyhuhdj.k ds laca/ esa Hkkjrh; fjtoZ cSad ds ifji=k la[;k chih-chlh-83@21-04-048@2014&15 fnukad 01-04-2015 ftls ifji=k la[;k chih-chlh-92@21-04-048@2015&16 fnukad 18-04-2016 ds lkFk i<+k tk;s ds vuqlkj] cSad us bu /ks[kk/M+h okys [kkrksa esa iwjk çko/ku dj fn;k gS rFkk 31 ekpZ 2016 dks dksbZ foyhuhÑr 'ks"k ugh gSA

(n) Hkkjrh; fjtoZ cSad us] xSjfu"ikfnr vkfLr;ksa ds tYnh fcØh ij çksRlkgu çnku djus ds mís'; ls cSadksa dks] vxj fcØh jkf'k iqLrd eqY; ls de gS rks deh dh jkf'k] ;fn dksbZ gks] dks] nks lky esa izlkj djus dh vuqefr çnku dh gS tks fd 26 iQjojh 2014 ls 31 ekpZ 2016 ds chp fcØh fd;s x;s xSjfu"ikfnr vkfLr;ksa ds fy;s miyC/ gS- rnuqlkj orZeku o"kZ esa `55-29 djksM+ (31 ekpZ 2016 rd `66-38 djksM++) dk çko/ku fd;k x;k rFkk 'ks"k jkf'k `102-94 djksM+ dk çko/ku vkxkeh vof/ esa djuk 'ks"k gSA

(;) Hkkjrh; fjtoZ cSad ds i=k la[;k Mhchvkj-la[;k-chih-13018@21-04-048@2015&16 fnukad 12-04-2016 ds vuqikyuk esa cSad us iatkc ljdkj }kjk mi;ksx fd;s x;s [kk| vfxze ds fnukad 31 ekpZ 2016 ds dqy 'ks"k `412-80 djksM+ ds fo:¼ 7-5% dh nj ls `30-96 djksM+ dk çko/ku fd;k gSA Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kkuqlkj 7-5% dk vfrfjDr çko/ku twu 2016 esa fd;k tk;sxkA

(j) fo|qr forj.k daifu;ks ds ifjpkyu ,oa foÙkh; lq/kj gsrq mn; (mTtoy fMLdkWe ,L;ksjsal ;kstuk) ;kstuk ds vuq#i cSad us foÙk o"kZ 2015&16 es jktLFkku fMLdkWe ds `1131-50 djksM+ ds ½.k ds O;oLFkkiu ds isVs jktLFkku ljdkj ds xSj ,l,yvkj ,lMh,y ckW.M esa `804-72 djksM+] jktLFkku ljdkj çR;kHkwfrr fMLdkWe ckW.M (2016&17 ds nkSjku ,lMh,y es ifjofrZr gksus okys xSj [kaM ifjdfYir) esa `254-50 djksM+ rFkk jktLFkku ljdkj çR;kHkwfrr fMLdkWe ckW.M (2016&17 ds nkSjku ,lMh,y es ifjofrZr gksus okys [kaM ifjdfYir) esa `72-28 djksM+ dk vfHknku fd;kA

Hkkjrh; fjtoZ cSad ds ifji=k la[;k Mhchvkj-chih-la-11657@21-04-132@2015&16 fnukad 17-03-2016 ds vuqikyu esa cSad us fuEukuqlkj çko/ku fd;k gS %&

vuqlwph 18

185

SCHEDULE 18

Notes forming part of the Balance Sheet and Profit and Loss Account1. INVESTMENTS :-

(a) Investments amounting to `6962.00 crores (previous year `7657.00 crores) are kept as margin with the Reserve Bank of India/Clearing Corporation of India Limited towards Real Time Gross Settlement (RTGS)/REPO/CBLO transactions.

(b) The valuation of the securities held in private equity funds are valued as per latest available information.

2. FIXED ASSETS :-

(a) In respect of premises having gross value of `0.42 crore (Previous year `0.42 crore) pending completion of certain legal formalities/ procedural actions, title deeds are yet to be executed/ registered in favour of the Bank.

(b) Fixed Assets : Gross Value of fixed assets (other than premises) includes `746.61 crores (previous years `736.43 crores) upto 31.03.2016 of Bank’s share jointly owned by SBI and other Associate Bank's towards Hardware & Software.

3. LOAN :-

(a) In case of restructured loans as standard assets under CDR/Non-CDR, classification of advances and consequent income recognition have been done based on major compliances of terms and conditions of restructured package including extension period wherever applicable.

(b) In terms of the RBI guidelines on provision for the sacrifice amount on restructured / rescheduled advances, erosion in fair value of advances has been provided amounting to 218.58 crores (previous year `436.75 crores) and the shortfall in the value of securities has been ignored.

(c) In terms of RBI Circular No.BP.BC.83/21.04.048/2014-15 dated 01.04.2015 read together with circular No. BP.BC.92/21.04.048/2015-16 dated 18.04.2016 regarding amortization of provision on fraud accounts over a period not exceeding four quarters starting from the quarter in which fraud is detected, bank has fully provided the amounts pertaining to such frauds and there was no unamortized balance as on 31st March, 2016.

(d) RBI, with a view to provide incentive for early sale of NPAs, has permitted the banks to spread over any shortfall, if the sale value is lower than the Net Book Value, over a period of two years and is available for NPAs sold on or after 26th Feb, 2014 to 31st March, 2016. Accordingly, a sum of `55.29 crores has been provided during the year (`66.38 crores till 31st March 2016) leaving the balance of `102.94 crores to be provided for in subsequent period.

(e) In compliance to the RBI Letter No. DBR.NO.BP.13018/21.04.048 /2015-16 dated 12.04.2016, bank has provided a sum of `30.96 crore being 7.5% of the existing outstanding of `412.80 crores as on 31st March, 2016 under food credit availed by Government of Punjab. Additional provision of 7.5% shall be made in June 2016 on the amount outstanding as on that date as directed by RBI.

(f) In accordance with UDAY (Ujwal Discom Assuarance Yojna) Scheme for operational and financial turnaround of Power Distribution Companies (DISCOMS) during FY 2015-16 the bank had subscribed to NON-SLR SDL Bonds of Government of Rajasthan (GoR) amounting to `804.72 crore, GoR guaranteed DISCOM Bonds of `254.50 crore (Segment not envisaged to be converted into SDL during 2016-17) and GoR guaranteed DISCOM Bonds of `72.28 crore (Segment envisaged to be converted into SDL during 2016-17) against settlement of Rajasthan DISCOM Debts of `1131.50 crore.

In compliance to the RBI letter No.: DBR.BP.NO.11657/21.04.132/2015-16 dated 17th March, 2016 bank has made the provision as under-

186

(i) `254-50 djksM+ ds] 2016&17 ds nkSjku ,lMh,y es ifjofrZr gksus okys xSj [kaM ifjdfYir fMLdkWe ckW.M ckcr 15% dh nj ls `38-18 djksM+ dk çko/ku-

(ii) `72-28 djksM+ ds 2016&17 ds nkSjku ,lMh,y es ifjofrZr gksus okys [kaM ifjdfYir fMLdkWe ckW.M ckcr dksb çko/ku ugh fd;k x;k gSA

(iii) nksuks [kaMks gsrq ½.k@fMLdkWe ckW.M ds mfpr ewY; esa deh ds ckcr `10-01 djksM+ dk çko/ku fd;k x;k gS- rnuqlkj] `48-19 djksM+ dk dqy çko/ku fd;k x;k gSA mijksDr Hkkjrh; fjtoZ cSad ds i=kuqlkj] `254-50 djksM+

,lMh,y es ifjofrZr gksus okys xSj [kaM ifjdfYir fMLdkWe ckW.M dks xSj fu"ikfnr fofuos'k ds :i esa oxhZÑr fd;k x;k gSA

(y) cSafdax fofu;eu vf/fu;e 1949 dh /kjk 35 ds varxZr Hkkjrh; fjtoZ cSad }kjk fd;s x;s vkfLr xq.koÙkk leh{kk ds vuqorhZ Hkkjrh; fjtoZ cSad ds i=k la[;k Mhch,l-lhvks-ihihMh@,D;wvkj@6371@11-01-01@15&16 fnukad 02-12-2015 rFkk i=k la[;k Mhch,l-lhvks-ihihMh@,D;wvkj@1221@11-01-021@2015&16 fnukad 20-04-2016 dh vuqikyuk esa cSad }kjk vfxzeks dk oxhZdj.k ,oa mu ij 31-03-2016 dks t#jh çko/ku dj fn;k x;k gSA

4- funs'kd e.My }kjk foÙkh; o"kZ 2015&16 ds fy, 143% ;Fkk `14-30 izfr 'ks;j (iwoZ o"kZ `14-30 izfr 'ks;j)(vafdr ewY; `10@& izfr 'ks;j) izLrkfor ykHkka'k dh ?kks"k.kk dh xbZ gSA

5- var% dk;kZy; lek;kstu [kkrksa dk feyku ,d lrr fujarj izfØ;k gSA izca/u ;g izR;kf'kr ugha djrk gS fd bu [kkrksa ds iw.kZ feyku gksus ij fofÙk; foojf.k;ksa ij dksbZ egRoiw.kZ izHkko iM+sxkA

6- orZeku o"kZ ds nkSjku] cSad us uoEcj 2012 ls ekpZ 2015 dh vof/ ds fy;s osru le>kSrs gsrq cdk;k ds fy;s fd;s x;s dqy çko/ku `264-40 djksM+ esa ls] `217-06 djksM+ dk Hkqxrku fd;k gS- vfrfjDr çko/ku `47-34 djksM+ dks orZeku o"kZ es deZpkjh ykxr esa ls de fd;k x;k gSA

7- Hkkjrh; fj”koZ cSad ds funsZ'kkuqlkj vko';d izdVhdj.k

(v) iwath i;kZIrrk cklsy&II ,oa cklsy&III ds rgr cSad ds iwath tksf[ke /kfjrk vkfLr vuqikr (iwath i;kZIrrk vuqikr) dh x.kuk Hkkjrh; fjtoZ

cSad }kjk Øe'k% iwath i;kZIrrk ,oa cktkj vuq'kklu&uohu iwath i;kZIrrk #ijs[kk fofu;eu rFkk cklsy&III iwath fofu;eu ij tkjh ekud fn'kk&funsZ'kksa ds vuqlkj dh xbZ gSA cSad dks 31 ekpZ 2016 ls cklsy&III iwath fofu;eu ds varxZr ½.k tksf[ke] cktkj tksf[ke rFkk ifjpkyu tksf[ke ds fy;s lrr :i ls U;wure iwath i;kZIrrk vuqikr lrr 9% rFkk iwath laj{k.k cQj (lhlhch) 0-625% cuk;s j[kus dh vko';drk gSA fnukad 31-03-2016 dks cklsy&II :ijs[kk ds vuqlkj fV;j&I iwath vuqikr U;wure 6% rFkk iwath i;kZIrrk vuqikr 9% tcfd cklsy&III :ijs[kk ds vuqlkj U;wure lk>k fV;j&I (lhbZVh&I (iwath vuqikr 5-50% ,oa fV;j&I iwath vuqikr 7% cuk;s j[kus dh vko';drk gSA

(` djksM++ esa)

fooj.k cklsy&II #ijs[kk ds vuqlkj cklsy&III #ijs[kk ds vuqlkj

ekpZ 31] 2015 ekpZ 31] 2016 ekpZ 31] 2015 ekpZ 31] 2016

lhbZVh&1 iwath -- -- 6007.34 6163.66

iwath dUtjos'ku ciQj (lh-lh-ch-) -- -- -- 470.85

lhbZVh&1 $ lh-lh-ch- -- -- -- 6634.51

fV;j&I iawth 6179.14 6909.26 6147.34 6283.66

fV;j&I $ lh-lh-ch- -- -- -- 6754.51

fV;j&II iawth 1775.21 1654.81 1740.41 1579.02

dqy iawth 7954.35 8564.07 7887.75 7862.68

187

(i) `38.18 crore in respect of segment not envisaged to be converted into SDL in FY 2016-17 @15% of `254.50 crore.

(ii) No provision has been made for the segment of `72.28 crore envisaged to be converted into SDL during FY 2016-17.

(iii) Provision of `10.01 crore has been made for diminution in the fair value of loan/ DISCOM bonds for both the segments.

Accordingly, a total provision of `48.19 crore has been made. The DISCOM Bonds of `254.50 crore not envisaged to be converted into SDL have been classified as Non-Performing Investment as per aforesaid RBI letter.

(g) In compliance of RBI letter No. DBS. Co. PPD/ AQR/ 6371/ 11.01.01/15-16 dated 02.12.2015 and subsequent letter No. DBS. Co. PPD/ AQR/ 1221/ 11.01.021/ 2015-16 dated 20.04.2016 pursuant to Asset Quality Review (AQR) carried under section 35 of BR Act 1949, by RBI, the Bank has made the classification of Advances and provisioning which was required to be done by 31.03.2016, as suggested by RBI.

4. The Board of Directors proposed to declare dividend of 143% i.e `14.30 per share ( PY `14.30 per share) (face value of share `10/ per share) for the FY 2015-16.

5. Inter Office Adjustment accounts are subjected to reconciliation which is an ongoing exercise. On completion of matching/reconciliation in respect of the above accounts, the management does not anticipate any material impact on the financial statement.

6. During the year, the Bank has paid `217.06 crore on account of wage arrear settlement relating to the period from November 2012 to March 2015 out of provision of 264.40 crores made in earlier years.During the year excess provision of `47.34 crores has been reversed to employee cost.

7. DISCLOSURES REQUIRED AS PER RBI GUIDELINES

(a) Capital Bank’s Capital to Risk-Weighted Asset Ratio (Capital Adequacy Ratio) under Basel II and Basel III are

calculated in accordance with RBI’s “Prudential Guidelines on Capital Adequacy and Market Discipline: New Capital Adequacy Framework (NCAF)” and “Basel III Capital Regulations” respectively. From March 31, 2016 Under Basel III Capital regulation, Bank is required to maintain a minimum Capital Adequacy Ratio of 9.00% plus Capital Conservation Buffer (CCB) of 0.625% on an ongoing basis for credit risk, market risk and operational risk. For Basel II, however, Bank has to maintain a minimum Tier I Capital Ratio of 6.00% and Capital Adequacy Ratio of 9.00% whereas, as per Basel III, Bank has to keep a minimum Common Equity Tier I (CET 1) Ratio of 5.50% and a Tier 1 Ratio of 7.00% as on 31.03.2016. The Bank’s Capital Adequacy ratio, calculated in accordance with the RBI guidelines under both Basel II and Basel III framework, is as follows:

(`in crore)

Particulars As per Basel II Framework As per Basel III Framework

Mar 31, 2015 Mar 31, 2016 Mar 31, 2015 Mar 31, 2016CET I Capital -- -- 6007.34 6163.66Capital Conservation Buffer (CCB)

-- -- -- 470.85

CET I + CCB -- -- -- 6634.51Tier I Capital 6179.14 6909.26 6147.34 6283.66Tier I + CCB -- -- -- 6754.51Tier II Capital 1775.21 1654.81 1740.41 1579.02Total Capital 7954.35 8564.07 7887.75 7862.68

188

tksf[ke /kfjr vkfLr;ka 68049.91 75569.12 68190.91 75336.71

U;wure iawth vko';drk 6124.49 6801.22 6137.18 7251.16

iawth i;kZIrrk vuqikr

lhbZVh&I vuqikr NA NA 8.81% 8.181%

lh-lh-ch- -- -- -- 0.625%

lhbZVh&I $ lh-lh-ch- -- -- -- 8.806%

fV;j&I 9.08% 9.14% 9.01% 8.341%

fV;j&I $ lh-lh-ch- -- -- -- 8.966%

fV;j&II 2.61% 2.19% 2.56% 2.096%

iwath i;kZIrrk vuqikr 11.69% 11.33% 11.57% 10.437%

iwath i;kZIrrk vuqikr $ lh-lh-ch- -- -- -- 11.062%

cklsy&II ,oa cklsy&III #ijs[kkvksa ds vuqlkj] cSad dk iwath i;kZIrrk vuqikr 31 ekpZ] 2016 dks U;wure vko';drk ls vf/d gSA

cklsy&II ,oa cklsy&III #ijs[kkvksa ds varZxr tksf[ke Hkkfjr vkfLr;ksa ,oa iwath dks"k esa vUrj fuEu eq[; ifjorZuksa ds dkj.k gS %&

1- {ks=kh; xzkeh.k cSad esa fofuos'k cklsy&II ds varxZr iwath ls ?kVk;k tkrk gS (fV;j&I ls 50% rFkk fV;j&II ls 50%) tcfd cklsy&III esa ;s tksf[ke /kfjr (250% tksf[ke Hkkj) gksrs gSaA

2- uoksUes"kh 'kk'or Í.k foys[k rFkk xkS.k ck.M~l tks fd cklsy&III vuqikfyr ugha gSa] os cklsy&III iwath :ijs[kk ds vuqlkj xzSaMiQknMZ fd, x, gSaA

3- ¶vkfLr iqufuZekZ.k daifu;ksa dks ?kkVs esa csph xbZ vkfLr;ksa¸ esa ifjorZu] tks vkB frekfg;ksa esa foyhuhÑr fd;s tkus gSa] dks vkLFkfxr O;; ds :i esa n'kkZ;k x;k gSA

(c) va'kèkkfjrk

fooj.k pkyw o"kZ foxr o"kZ

(i) Hkkjr ljdkj dh 'ks;j/kfjrk dk izfr'kr 'kwU; 'kwU;

(ii) Hkkjrh; LVsV cSad dh 'ks;j/kfjrk dk izfr'kr 75.07% 75.07%

(iii) E;wpy iQaM] foÙkh; laLFkk] cSad] chek dEifu;ka] O;fDrxr vfuoklh Hkkjrh; lfgr xSj izorZd bR;kfn_

24.93% 24.93%

8. fofuos'k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

(1) fuos'kksa dk ewY;

i. fuos'kksa dk ldy ewY; 24798.92 22143.46

(d) Hkkjr esa 24798.92 22143.46

([k) Hkkjr ds ckgj 'kwU; 'kwU;

ii. ewY;ßkl ds fy, izko/ku 64.74 4.84

189

Risk Weighted Assets 68049.91 75569.12 68190.91 75336.71

Minimum Capital Required 6124.49 6801.22 6137.18 7251.16

Capital Adequacy ratios

CET I Ratio NA NA 8.81% 8.181%

CCB -- -- -- 0.625%

CET I + CCB -- -- -- 8.806%

Tier I 9.08% 9.14% 9.01% 8.341%

Tier I + CCB -- -- -- 8.966%

Tier II 2.61% 2.19% 2.56% 2.096%

CRAR 11.69% 11.33% 11.57% 10.437%

CRAR + CCB -- -- -- 11.062%

The Bank’s Capital Adequacy Ratios as on March 31, 2016 are higher than the minimum required under the Basel II and Basel III framework.

The difference between Risk Weighted Assets and Capital Funds under the Basel II and Basel III framework is a net impact of the following key changes:

1. Investments in RRB is deducted from Capital in Basel II (50% from Tier 1 and 50% from Tier II), whereas it is risk weighted in Basel III (250% Risk Weight).

2. Innovative Perpetual Debt Instruments and Subordinated Bonds, which are not Basel III compliant, are grandfathered as per Basel III Capital Framework.

3. Change in “Loss on sale of assets to ARCs” shown as Deferred Expenses to be amortized over eight quarters.

(b) Share holding

Particulars Current Year Previous Year

(i) Percentage of the shareholding of the Government of India Nil Nil

(ii) Percentage of the shareholding of State Bank of India 75.07% 75.07%

(iii) Non promoter including MF, FI, Banks, Insurance companies,

NRI individual etc.

24.93% 24.93%

8. Investments (`in crore)

Particulars Current Year Previous Year

(1) Value of Investments

i. Gross Value of Investments 24798.92 22143.46

(a) In India 24798.92 22143.46

(b) Outside India NIL NIL

ii. Provisions for Depreciation 64.74 4.84

190

(d) Hkkjr esa 64.74 4.84

([k) Hkkjr ds ckgj 'kwU; 'kwU;iii. fuos'kksa dk fuoy ewY; 24782.37 22138.62

(d) Hkkjr esa 24782.37 22138.62

([k) Hkkjr ds ckgj 'kwU; 'kwU;(2) fuos'kksa ij ewY;ßkl ds fy, /kfjr izko/kuksa dk mrkj&p<+ko

i. vFk 'ks"k 4.84 16.38

ii. tksM+sa % o"kZ ds nkSjku fd;s x;s izko/ku 61.21 0.00

iii. ?kVk;sa % o"kZ ds nkSjku cV~Vs [kkrs Mkys x;s@izfrys[ku fd;s vfrfjDr izko/ku 1.31 11.54

iv. bfr 'ks"k 64.74 4.84

* mn; ;kstukUrxZr xSj laoS/kfud rjyrkuqikr ck¡.M ds lanHkZ esa pkyw o"kZ esa `48-19 djksM++ lfgr ¹(fcUnq la[;k 3(,iQ) ij m¼`rº ftldks fd fuoy fuos'kksa dh x.kuk gsrq ?kVk;k ugha x;k gSA

9. jsiks ysu&nsu (vafdr ewY; ds :i esa) (`djksM++ esa)

fooj.k o"kZ ds nkSjku U;wure cdk;k

o"kZ ds nkSjku vfèkdre cdk;k

o"kZ ds nkSjku nSfud vkSlr cdk;k

31 ekpZ 2016 dh fLFkfr

jsiks ds varxZr csph xbZ izfrHkwfr;ka

(1) ljdkjh izfrHkwfr;ka 26.00 3267.68 694.78 1300.00

(2) dEiuh ½.k izfrHkwfr;ka 0.00 0.00 0.00 'kwU;

fjolZ jsiks ds varxZr [kjhnh xbZ izfrHkwfr;ka

(1) ljdkjh izfrHkwfr;ka 26.00 3744.00 242.95 'kwU;

(2) dEiuh ½.k izfrHkwfr;ka 0.00 0.00 0.00 'kwU;

xSj ,l,yvkj fofuos'kksa dk lafoHkkx i) xSj ,l,yvkj fofuos'kksa dk fuxZedrkZ la?kVu (`djksM++ esa)

Ø- la-

fuxZedrkZ jkf'k futh fu;kstu

dk foLrkj

^fuos'k Js.kh ls uhps* izfrHkwfr;ks

dk foLrkj

^vfu/kZfjr* izfrHkwfr;ksa dk foLrkj

^^xSj lwphc¼** izfrHkwfr;ksa dk

foLrkj(1) (2) (3) (4) (5) (6) (7)

i ljdkjh {ks=k ds miØe 355.36 341.44 0.00 0.00 0.00

ii foÙkh; laLFkk,a 81.29 81.59 0.00 0.00 15.32

iii cSad 20.00 20.00 0.00 0.00 0.00

iv futh dkWiksZjsV 114.68 114.69 0.00 0.00 23.00

v lgk;d laLFkk,a@la;qDr miØe 56.40 56.40 0.00 56.40 56.40

vi vU; 1524.55 1524.54 386.67 0.00 0.00

;ksx 2152.28 2138.66 386.67 56.40 94.72

vii ewY;ßkl ds laca/ esa /kfjr izko/ku* 64.74 X X X X

;ksx 2217.02 X X X X

191

(a) In India * 64.74 4.84

(b) Outside India NIL NILiii. Net Value of Investments 24782.37 22138.62

(a) In India * 24782.37 22138.62

(b) Outside India NIL NIL(2) Movement of provisions held towards depreciation on investments.

i. Opening balance 4.84 16.38

ii. Add: Provisions made during the year* 61.21 0.00

iii. Less: Write-off/write-back of excess provisions during the year 1.31 11.54

iv. Closing balance 64.74 4.84

* Including `48.19 crores in current year in respect of Non SLR Bonds under the UDAY scheme [refer note No 3(f)]. Same has not been reduced for calculating the figure of net Investments.

9. Repo Transactions ( In face value terms) (`in crore)

Minimum outstanding during the year

Maximum outstanding during the year

Daily Average outstanding during the year

As on March 31, 2016

Securities sold under Repos

(1) Government Securities 26.00 3267.68 694.78 1300.00

(2) Corporate Debt Securities 0.00 0.00 0.00 0.00

Securities purchased under reverse Repos

(1) Government Securities 26.00 3744.00 242.95 0.00

(2) Corporate Debt Securities 0.00 0.00 0.00 0.00

Non- SLR Investment Portfolio

i) Issuer composition of Non- SLR Investments (`in crore)

S.N Issuer Amount Extent of private

placement

Extent of ‘below investment grade’ securities

Extent of ‘unrated’

securities

Extent of ‘unlisted’

securities

(1) (2) (3) (4) (5) (6) (7)

i PSUs 355.36 341.44 0.00 0.00 0.00

ii FIs 81.29 81.59 0.00 0.00 15.32

iii Banks 20.00 20.00 0.00 0.00 0.00

iv Private Corporates 114.68 114.69 0.00 0.00 23.00

v Subsidiaries/Joint Ventures 56.40 56.40 0.00 56.40 56.40

vi Others 1524.55 1524.54 386.67 0.00 0.00

Sub Total 2152.28 2138.66 386.67 56.40 94.72

vii Provision held towards depreciation *

64.74 X X X X

Total 2217.02 X X X X

192

* mn; ;kstukUrxZr xSj laoS/kfud rjyrkuqikr ck¡.M ds lanHkZ esa pkyw o"kZ esa `48-19 djksM++ lfgr ¹(fcUnq la[;k 3(,iQ) ij m¼`rº ftldks fd fuoy fuos'kksa dh x.kuk gsrq ?kVk;k ugha x;k gSA

ii) vutZd xSj ,l,yvkj fofuos'k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

izkjafHkd 'ks"k 4.84 4.89

1 vizSy 2015 ls o"kZ ds nkSjku ifjo/Zu* 264.40 4.84

mi;qZDr vof/ ds nkSjku deh 1.31 4.89

31-03-2016 dk bfr'ks"k 267.93 4.84

dqy /kfjr izko/ku** 54.72 4.84

* pkyw o"kZ esa mn; ;kstukUrZxr fMLdkWe ck¡.M ds `254-50 djksM++ lfgr

** pkyw o"kZ esa mn; ;kstukUrxZr pkyw o"kZ esa fMLdkWe ck¡.M ij `48-19 djksM++ lfgr (fcUnq la[;k 3(,iQ) ij m¼`r)A

iii) ifjiDork rd èkkfjr Js.kh dh izfrHkwfr;ksa dks@ ls LFkkukUrfjr rFkk foØ; dh xbZ jkf'k] o"kZ ds izkjaHk esa ifjiDork rd èkkfjr Js.kh dh izfrHkwfr;ksa esa fofuos'k ds iqLrd ewY; ds 5% ls vfèkd ugha gS (Hkkjrh; fjt+oZ cSad }kjk vuqefr ds vfrfjDr)A

iv) izfrHkwfr jlhnksa esa fuos'k ds cgh ewY; ls lacaf/r izdVhdj.k%&(`djksM++ esa)

fooj.k cSad }kjk foØ; fd, x, vutZd vkfLr;ksa }kjk

vfHkHkwr

vU; cSadks@fofÙk; laLFkkvksa@xSj cSafdax foÙkh; daifu;ksa }kjk csps x, vutZd vkfLr;ksa }kjk

vfHkHkwr

;ksx

izfrHkwfr jlhnksa esa fuos'k dk cgh

ewY;

foxr o"kZ pkyw o"kZ foxr o"kZ pkyw o"kZ foxr o"kZ pkyw o"kZ

193-72 386-67 'kwU; 'kwU; 193-72 386-67

10. O;qRiUu

vfxze nj vuqca/@C;ktnj LoSi(`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

i) LoSi vuqca/ dk vuqekfur fizafliy

ii) gkfu tks izfri{k }kjk vuqca/ ds rgr vius nkf;Ro dks iwjk djus esa foiQy jgus ij [kpZ

fd;k tk;sxkA

iii) cSad }kjk LoSi esa izos'k djus ij vko';d izfrHkwfr

iv) vnyk&cnyh ls mRiUu gksus okyh ½.k tksf[ke dh ,dkxzrk$

v) LoSi iqLrd dk mfpr ewY;@

'kwU; 'kwU;

193

* Including `48.19 crores in current year in respect of Non SLR Bonds under the UDAY scheme [refer note No 3(f)]. Same has not been reduced for calculating the figure of net Investments.

ii) Non-performing Non-SLR Investment (`in crore)

Particulars Current Year Previous Year

Opening balance 4.84 4.89

Additions during the year since 1st April * 264.40 4.84

Reductions during the above period 1.31 4.89

Closing balance 267.93 4.84

Total provisions held** 54.72 4.84

*Including `254.50 crores in CY of DISCOM Bonds under UDAY scheme.

** Including `48.19 crore in CY on DISCOM Bonds under UDAY Scheme (Refer Note No. 3(f)

(iii) The value of sales and transfer of securities to / from HTM category does not exceeds 5% of the book

value of investments held on HTM category at the beginning of the year (except where allowed by RBI).

(iv) Disclosure regarding Book Value of Investments in Security Receipts :-

(`in crore)

Particulars

Backed by NPAs sold by the Bank as underlying

Backed by NPAs sold by other banks/ financial institutions / non-banking financial companies as underlying

Total

Previous Year

Current Year

Previous Year Current Year Previous Year

Current Year

Book value of investments in security receipts

193.72 386.67 NIL NIL 193.72 386.67

10. Derivatives

Forward Rate Agreement / Interest Rate Swap

(`in crore)Particulars Current Year Previous Year

i) The notional principal of swap agreements

ii) Losses which would be incurred if counterparties failed to fulfil their obligations under the agreements

iii) Collateral required by the bank upon entering into swaps

iv) Concentration of credit risk arising from the swaps$

v) The fair value of the swap book@

NIL NIL

194

fofue; dkjksckjh (VªsMsM) C;kt nj O;qRiUu(`djksM++ esa)

Ø-la- fooj.k pkyw o"kZ foxr o"kZ

i) o"kZ ds nkSjku vkjEHk dh xbZ fofue; dh dkjksckjh C;kt nj O;qRiUu vuqekfur ewy jkf'k (izys[kokj)

v) c)l)

'kwU; 'kwU;

ii) 31 ekpZ 2016 dks cdk;k fofue; dh dkjksckjh C;kt nj O;qRiUuvuqekfur ewy jkf'k (izys[kokj)

v) c)l)

'kwU; 'kwU;

iii) fofue; dh dkjksckjh C;kt nj cdk;k ,oa ¶vR;f/d izHkko'kkyh¸ ugha O;qRiUu vuqekfur ewy jkf'k (izys[kokj)

v) c)l)

'kwU; 'kwU;

iv) fofue; dkjksckjh dh ekdZ Vw ekdsZV oSY;w C;kt nj cdk;k ,oa ¶vR;f/d izHkko'kkyh¸ ugha O;qRiUu vuqekfur ewy jkf'k (izys[kokj)

v) c)l)

'kwU; 'kwU;

xq.kkRed izdVhdj.k%v- cSad ds ikl O;qRiUu tksf[ke izca/u gsrq vxz] eè; ,oa cSd&vkWfiQl dh Li"V Hkwfedk ds lkFk iw.kZ ifjHkkf"kr lajpuk ,oa laxBu

gSAc- tksf[ke eki ,oa vuqorZu gsrq ,dhÑr tksf[ke izca/u foHkkx] le;&le; ij cdk;k ok;nk lafonk dk vuqorZu djrk gS

,oa chl mPp ½f.k;ksa ds [kkrksa ds cdk;k ok;nk lafonk dks mi;ksxdrkZ foHkkx dks lwfpr djrk gSAl- cSad fofue; O;kikj C;kt nj O;qRiUu] vfxze nj vuqca/] C;kt nj LoSi rFkk lk[k pwd LoSi esa dksbZ nkf;Ro@opuc¼rk ugha

djrk gSAn- cSad Lo;a ds [kkrs esa O;qRiUu laO;ogkj esa dksbZ O;kikj ugha djrk gSA cSad] Hkkjrh; fjT+koZ cSad ds funsZ'kkuqlkj vius ?kVdksa

ds fy, rqyu i=k@rqyu i=k bÙkj vkfLr;ksa@nkf;Roksa ds cpko gsrq izfri{kdkjksa ds lkFk vkxkeh ok;nk lafonk djrk gSA;- bl rjg cqd dh xbZ ok;nk lafonk] izfri{kdkjksa ds lkFk ,d ds ckn ,d lajf{kr j[ks tkrs gSaAj- lHkh cdk;k ok;nk lafonkvksa dks Hkkjrh; fjT+koZ cSad ds funsZ'kkuqlkj cktkj nj ij ewY;kafdr fd;k tkrk gS vkSj rqyu i=k

esa vkdfLed nkf;Ro ds :i esa fn[kk;k tkrk gSA

ifjek.kkRed izdVhdj.k(ok;nk lafonk ?kVdksa ds vk/kj ij cqd dh tkrh gSa)

(`djksM++ esa)Ø-la- fooj.k pkyw o"kZ foxr o"kZ

eqæk O;qRiUu C;kt nj O;qRiUu

eqæk O;qRiUu C;kt nj O;qRiUu

(i) O;qRiUu (vuqekfur ewy ewY;)

v- izfrj{kk gsrq 42088.24 'kwU; 35645.96 'kwU;

c- O;kikj gsrq 'kwU; 'kwU; 'kwU; 'kwU;

(ii) cktkj ewY; ij vafdr

195

Exchange Traded Interest Rate Derivatives

(`incrore)S. No Particulars Current Year Previous Year

(i) Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument wise) a) b) c)

NIL NIL

(ii) Notional principal amount of exchange traded interest rate derivatives outstanding as on 31st March ….. (instrument wise) a) b) c)

NIL NIL

(iii) Notional principal amount of exchange traded interest rate derivatives outstanding and not ‘highly effective’ (instrument wise) a) b) c)

NIL NIL

(iv) Mark to market value of exchange traded interest rate derivatives outstanding and not ‘highly effective’ (instrument wise) a) b) c)

NIL NIL

Qualitative Disclosure

a. The Bank has well defined structure and organization for management of risk in derivatives, with clear role of Front, Mid and Back office for Risk Management.

b. For risk measurement and monitoring, Integrated Risk Management Department is periodically monitoring risk on account of outstanding forward contracts and outstanding forward contracts of top 20 borrower account is advised to the user department.

c. Bank is not undertaking Exchange Traded Interest Rate Derivatives and Forward Rate Agreement/Interest Rate Swaps and Credit Default Swaps.

d. Bank is not undertaking any trading in derivative transaction in its own account. The Bank undertakes Forward contracts with counter parties only on behalf of its constituents in order to hedge their on balance-sheet/ off-balance-sheet assets and liabilities as per the RBI directives.

e. Forward contracts so booked are covered back to back with counter parties.

f. All outstanding forward contracts are marked to market as per the RBI directives and are shown in the balance-sheet as contingent liabilities.

Quantitative Disclosure

(Forward Contracts booked on behalf of constituents)

(`in crore)

S. No. Particular Current Year Previous Year

Currency Derivative

Interest rate Derivative

Currency Derivative

Interest rate Derivative

(i) Derivative (Notional Principal Value)

(a) For hedging 42088.24 NIL 35645.96 NIL

(b) For Trading NIL NIL NIL NIL

(ii) Marked to Market

196

v- vkfLr;ka 20860.87 'kwU; 17796.45 'kwU;

c- nkf;Ro 20405.04 'kwU; 17471.21 'kwU;

(iii) lk[k fofu/ku 423.90 'kwU; 207.76 'kwU;

(iv) C;kt nj esa 1% ifjoZru dk lEHkkO; izHkko (100*PV01)

v- izfrj{kk O;qRiUu ij 'kwU; 'kwU; 'kwU; 'kwU;

c- O;kikj O;qRiUu ij 'kwU; 'kwU; 'kwU; 'kwU;

(v) 100*PV01 dk o"kZ ds nkSjku vf/dre ,oa U;wure leh{kk

v- izfrj{kk ij 'kwU; 'kwU; 'kwU; 'kwU;

c- O;kikj ij 'kwU; 'kwU; 'kwU; 'kwU;11. vkfLr xq.koÙkk i) vutZd vkfLr (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

(i) fuoy vfxzeksa dh rqyuk esa fuoy vutZd vkfLr;ka (») 2.75% 2.54%

(ii) vutZd vkfLr;ksa (ldy) dk mrkj&p<+ko

(d) vFk 'ks"k 2945.14 2732.78

([k) o"kZ ds nkSjku o`f¼ 2719.49 1687.45

(x) o"kZ ds nkSjku deh 2061.87 1475.09

(?k) bfr 'ks"k 3602.76 2945.14

(iii) fuoy vutZd vkfLr;ksa dk mrkj&p<+ko

(d) vFk 'ks"k 1769.17 1770.85

([k) o"kZ ds nkSjku o`f¼ 1814.49 1119.91

(x) o"kZ ds nkSjku deh 1578.47 1121.59

(?k) bfr 'ks"k 2005.19 1769.17

(iv) vutZd vkfLr;ksa ds fy, izko/kuksa dk mrkj&p<+ko (ekud vkfLr;ksa ij izko/ku ds vykok)

(d) vFk 'ks"k 1175.96 961.93

([k) o"kZ nkSjku fd, x, izko/ku 800.62 577.15

(x) vfrfjDr izko/kuksa dks lek;kstu@cV~Vs [kkrs Mkyuk@iqujkadu 381.02 363.12

(?k) bfr'ks"k 1597.56 1175.96

ii) izko/ku vkPNknu vuqikr 31-03-2016 dks cSad dh ldy xSj fu"ikfnr vkfLr;kas (,;wlh lfgr) ij 62-11% dk izko/ku gS (xr o"kZ esa 57-05%) iii) {ks=k&okj vfxze

(` djksM++ esa)

Ø-l- {ks=k pkyw o"kZ (2015&16) foxr o"kZ (2014&15)

dqy cdk;k vfxze

ldyvutZdvkfLr;ka

lacaf/r {ks=k ds dqy vfxze esa vutZd

vkfLr;ksa dk izfr'kr

dqy cdk;k vfxze

ldyvutZdvkfLr;ka

lacaf/r {ks=k ds dqy vfxze esa vutZd

vkfLr;ksa dk izfr'kr

v- izkFkfedrk izkIr {ks=k

1- Ñf"k ,oa lgk;d xfrfof/;ka 15838.90 843.55 5.33 11927.00 781.00 6.56

197

(a) Assets 20860.87 NIL 17796.45 NIL

(b) Liabilities 20405.04 NIL 17471.21 NIL

(iii) Credit Exposure 423.90 NIL 207.76 NIL

(iv) Likely impact of one percentage change in interest rate (100*PV01)

a) on hedging derivatives NIL NIL NIL NIL

b) on trading derivatives NIL NIL NIL NIL

(v) Maximum and Minimum of 100*PV01 observed during the year

a) on hedging NIL NIL NIL NIL

b) on trading NIL NIL NIL NIL

11. Asset Quality

i) Non-Performing Asset (`in crore)

Particulars Current Year Previous Year

(i) Net NPAs to Net Advances (%) 2.75% 2.54%(ii) Movement of Gross NPAs

a. Opening balance 2945.14 2732.78

b. Additions during the year 2719.49 1687.45

c. Reductions during the year 2061.87 1475.09

d. Closing balance 3602.76 2945.14(iii) Movement of Net NPAs

a. Opening balance 1769.17 1770.85

b. Additions during the year 1814.49 1119.91

c. Reductions during the year 1578.47 1121.59

d. Closing balance 2005.19 1769.17(iv) Movement of provisions for NPAs (Excluding provision on Standard

Assets)

a. Opening balance 1175.96 961.93

b. Provisions made during the year 800.62 577.15

c. Write-off/write back/adjustment of excess provisions 381.02 363.12

d. Closing Balance 1597.56 1175.96

ii) Provisioning Coverage Ratio

Provisioning to Gross Non-Performing Assets of the Bank (including AUCA) as on 31st March, 2016 is 62.11%. (previous year 57.05%).

iii) Sector-wise advances (`in crore)

S. No Sector Current Year 2015-16 Previous year 2014-15

o/s total advances

Gross NPAs

% of Gross NPA s to total advances in that sector

o/s total advances

Gross NPAs % of Gross NPA s to total advances in that sector

A Priority Sector

1. Agr. & allied activities 15838.90 843.55 5.33 11927.00 781.00 6.56

198

2- izkFkfedrk izkIr {ks=k ds ½.k gsrq ;ksX; m|ksxh dks vfxze

4260.58 306.58 7.20 8239.00 339.00 4.11

3- lsok {ks=k 5094.30 199.32 3.91 3803.00 165.00 4.39

4- oS;fDrd ½.k 4245.43 67.51 1.59 3564.00 85.00 2.38

mi ;ksx (v) 29439.21 1416.99 4.81 27533.00 1370.00 4.61

c- xSj izkFkfedrk izkIr {ks=k

1- Ñf"k ,oa lgk;d xfrfof/;ka 39.26 23.65 60.24 5.00 1.00 20.00

2- m|ksx 33046.07 2020.31 6.11 34946.00 1516.00 4.39

3- lsok {ks=k 2136.08 39.36 1.84 44.00 0.00 0.00

4- oS;fDrd ½.k 10082.65 102.45 1.02 8625.00 58.00 0.67

mi ;ksx (c) 45304.06 2185.77 4.82 43620.00 1575.00 3.61

dqy (v$c) 74743.27 3602.76 4.82 71153.00 2945.00 4.14

iv) (v) vutZd vkfLr;ksa dk mrkj&p<+ko%& (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

01-04-2015 dks ldy vutZd vkfLr;ka 2945.14 2732.78

o"kZ ds nkSjku o`f¼ (ubZ vutZd vkfLr;ka) 2719.49 1687.45

mi ;ksx (v) 5664.63 4420.23

?kVk,a (i) mUu;u(ii) olwyh@le>kSrk (LrjksUu;u [kkrksa esa clwyh ds vykok)(iii) rduhdh@foosdiw.kZ viys[ku(iv) mijksDr (iii) ds vfrfjDr viys[ku

662.74546.79542.49309.85

536.80575.17356.35

6.77

mi ;ksx (c) 2061.87 1475.09

31-03-2016 dks ldy vueZd vkfLr;ka (v&c) 3602.76 2945.14

iv) (c) rduhdh viys[ku rFkk mles olwfy;ksa ds LVkd ls lacaf/r izdVhdj.k%&

(`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

fnukad 01-04-2015 dks rduhdh@foosdiw.kZ viys[ku dk vFk 'ks"k 1174.24 1354.52

tksM+s% o"kZ ds nkSjku rduhdh@foosdiw.kZ viys[ku 542.49 356.35

mi ;ksx (v) 1716.73 1710.87

?kVk,% o"kZ ds nkSjku foxr rduhdh@foosdiw.kZ vifyf[kr[kkrksa esa dh xbZ olwfy;ka (c)

27.67 536.63

fnukad 31-03-2016 dks bfr'ks"k (v&c) 1689.06 1174.24

199

2. Advances to industries sector eligible as priority sector lending

4260.58 306.58 7.20 8239.00 339.00 4.11

3. Services 5094.30 199.32 3.91 3803.00 165.00 4.39

4. Personal loans 4245.43 67.51 1.59 3564.00 85.00 2.38

Sub-Total (A) 29439.21 1416.99 4.81 27533.00 1370.00 4.61

B Non Priority Sector

1. Agr. & allied activities 39.26 23.65 60.24 5.00 1.00 20.00

2. Industy 33046.07 2020.31 6.11 34946.00 1516.00 4.39

3. Services 2136.08 39.36 1.84 44.00 0.00 0.00

4. Personal loans 10082.65 102.45 1.02 8625.00 58.00 0.67

Sub-Total (B) 45304.06 2185.77 4.82 43620.00 1575.00 3.61

Total A+ B 74743.27 3602.76 4.82 71153.00 2945.00 4.14

iv) (a) Movement of NPAs :- (`in crore)

Particulars Current Year Previous Year

Gross NPA as on 01.04.2015 2945.14 2732.78

Additions (Fresh NPA) during the year 2719.49 1687.45

Sub Total (a) 5664.63 4420.23

Less (i) Upgradations

(ii) Recovery/compromise (excluding recoveries

made from upgraded accounts)

(iii) Technical/Prudential write off

(iv) Write off other than those under (iii) above

662.74

546.79

542.49

309.85

536.80

575.17

356.35

6.77

Sub Total (b) 2061.87 1475.09

Gross NPA as on 31.03.2016 (Closing Balance : a-b) 3602.76 2945.14

iv (b) Disclosure of stock of technical write-offs and the recoveries made thereon:- (`in crore)

Particulars Current Year Previous Year

Opening balance of technical/prudential write-offs accounts as at 01.04.2015 1174.24 1354.52

Add: Technical/prudential write-offs during the year 542.49 356.35

Sub Total (A) 1716.73 1710.87

Less: Recoveries made from previously technical/prudential written-off accounts during the year (B) 27.67 536.63

Closing Balance as at 31.03.2016 (A-B) 1689.06 1174.24

200

v) iqu

lZjfpr

[kkrksa dk izd

Vhdj.k&31

-03-20

16 d

h fLFkfr

(`djksM

++ esa)

Ø-la-

iqulZjp

uk d

k izd

kj →

lh-M

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u ds v

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.k i

qulZjp

uk d

s vUrZxr

vU;

;ksx

vkfL

r ox

hZdj.k →

ekud

voe

kud

lafnX/

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;ksx

ekud

voe

kud

lafnX/

gkfu

;ksx

ekud

voe

kud

lafnX/

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ekud

voe

kud

lafnX/

gkfu

;ksx ·

fooj

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1

foÙkh;

o"kZ dh 1

vizsy

dks

iqulZjfp

r [kkrs (

vFk

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·

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53

036

608

118

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5245

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944

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935

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216.

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10.

2713

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91.8

040

84.6

415

5.90

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81.

7643

28.9

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08.3

237

2.78

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2672

53.3

6

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j izko/

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1.63

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8

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u, i

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r

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00

01

948

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00

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00-3

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d u

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ks

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v)

Disc

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f Res

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Acc

ount

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on

31.0

3.20

16(`

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)

S. No.

Type

of R

estru

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→Un

der C

DR M

echa

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Unde

r SM

E De

bt R

estru

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Mec

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n

Stan

dard

Sub-

Stan

dard

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Det

ails

1R

estru

ctur

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ccou

nts

as

on

April

1 of

the

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ning

figu

res)

*

No.

of

borro

wer

s28

53

036

608

118

4377

142

5245

1966

944

3461

8624

730

536

2030

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nt

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2546

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216.

6169

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0.00

2832

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77.1

10.

2713

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91.8

040

84.6

415

5.90

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81.

7643

28.9

867

08.3

237

2.78

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002.

2672

53.3

6

Prov

ision

th

ereo

n44

1.63

35.0

823

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0.00

500.

353.

350.

0410

.51

0.50

14.4

060

1.60

27.1

324

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1.76

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2310

46.5

863

2.25

58.8

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2611

69.9

8

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esh

rest

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g du

ring

the

year

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00

01

948

178

2926

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00

6078

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028

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3150

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9

3U

pgra

datio

ns t

o re

stru

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tand

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cate

gory

dur

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the

FY

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of

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0-1

00

100

00

1042

00

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530

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52

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nt

outs

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50.

00-2

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ision

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780.

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0.00

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000.

02

4

Res

truct

ured

sta

ndar

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vanc

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cea

se

to a

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t hig

her p

rovi -

sioni

ng a

nd/o

r add

itiona

l ris

k w

eigh

t at t

he e

nd

of th

e FY

and

hen

ce

need

not

be

show

n as

re

stru

ctur

ed s

tand

ard

adva

nces

at t

he b

egin

-ni

ng o

f the

nex

t FY

No.

of

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00

00

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00

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00

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nt

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0

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th

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84

202

iqulZjfpr

[kkrksa dk izd

Vhdj.k&31

-03-20

16 d

h fLFkfr

(` d

jksM+ e

sasa)

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iqulZjp

uk d

k izd

kj →

lh-M

h-vkj- lajp

u ds v

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.k i

qulZjp

uk d

s vUrZxr

vU;

;ksx

vkfL

r ox

hZdj.k →

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voe

kud

lafnX/

gkfu

;ksx

ekud

voe

kud

lafnX/

gkfu

;ksx

ekud

voe

kud

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voe

kud

lafnX/

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fooj

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5

foÙkh;

o"kZ ds n

kSjku

iqulZjfp

r [kkrksa esa

fxjko

V

½f.k;ksa dh la[;

k-2

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00

7432

150

121

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3316

537

2968

1066

2551

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3850

cdk;k jkf'k

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48.8

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311

6.10

167.

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7

mu i

j izko/

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3310

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59.8

31.

2511

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311

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5

6

foÙkh;

o"kZ ds n

kSjku

iqulZjfp

r [kkrksa dk viy

s[ku

½f.k;ksa dh la[;

k4

20

06

158

5363

147

889

3050

1497

1293

9459

3432

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5219

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29

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362.

5750

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0.00

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412.

730.

190.

121.

690.

192.

1917

36.2

244

.67

9.92

0.49

1791

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2098

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94.9

511

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0.68

2206

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mu i

j izko/

ku49

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7.52

0.00

0.00

56.8

20.

000.

000.

000.

000.

0082

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8.36

0.00

0.00

91.3

013

2.24

15.8

80.

000.

0014

8.12

7

foÙkh;

o"kZ dh 31

ekpZ d

ks iqu

lZjfp

r [kkrs (

bfr

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·

½f.k;ksa dh la[;

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25

031

1752

3451

107

3627

1927

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8278

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1931

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291

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3232

6

cdk;k jkf'k

2114

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211.

8320

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5.89

2845

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3.11

1.87

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5066

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5975

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mu i

j izko/

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6.74

41.7

873

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0.00

331.

637.

174.

5310

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22.5

823

6.24

31.0

592

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1.87

361.

3346

0.15

77.3

617

5.81

2.22

715.

54

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qulZjfp

r vfxzeksa d

s vfrfjD

r] ftui

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k tksf[

ke Hkkj (

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SA

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vfUr

e vkad

M+ksa d

s cdk;k esa

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++ dh o`f¼ ,

oa izko/

ku e

sa `379-10 d

jksM++ d

h deh 'kkfey

gSA

203

v)

Disc

losu

re o

f Res

truct

ured

Acc

ount

s as

on

31.0

3.20

16(`

in C

rore

)

S. No.

Type

of R

estru

ctur

ing

→Un

der C

DR M

echa

nism

Unde

r SM

E De

bt R

estru

ctur

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Mec

hani

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ther

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tal

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t Cla

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catio

n

Stan

dard

Sub-

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Loss

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Loss

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Det

ails

5

Dow

ngra

datio

ns

of re

stru

ctur

ed

acco

unts

dur

ing

the

FY

No.

of

borro

wer

s-2

-13

00

7432

150

121

-410

3525

3316

537

2968

1066

2551

165

3850

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nt

outs

tand

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48.8

416

2.99

0.00

0.00

28.9

10.

090.

050

29.0

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50.8

311

6.10

167.

501.

2534

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165.

0333

0.54

1.25

63.0

7

Prov

ision

th

ereo

n-4

1.78

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0855

.86

0.00

0.00

0.00

0.00

0.05

0.00

0.05

-60.

3310

.55

59.8

31.

2511

.30

-102

.11

-3.5

311

5.74

1.25

11.3

5

6

Writ

e-of

fs o

f re

stru

ctur

edac

coun

ts d

urin

g th

e FY

No.

of

borro

wer

s4

20

06

158

5363

147

889

3050

1497

1293

9459

3432

1215

5219

2414

168

29

Amou

nt

outs

tand

ing

362.

5750

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0.00

0.00

412.

730.

190.

121.

690.

192.

1917

36.2

244

.67

9.92

0.49

1791

.30

2098

.98

94.9

511

.61

0.68

2206

.22

Prov

ision

th

ereo

n49

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7.52

0.00

0.00

56.8

20.

000.

000.

000.

000.

0082

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8.36

0.00

0.00

91.3

013

2.24

15.8

80.

000.

0014

8.12

7

Res

truct

ured

Ac-

coun

ts a

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204

vi) vkfLr;ksa dh iqulZjapuk gsrq lqj{kk jlhnksa (,llh)@udnh ds ,ot esa izfrHkwfrdj.k@iqulZjapuk daiuh dks csph x;h foÙkh; vkfLr;ksa dk fooj.k

(`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

i. [kkrksa dh la[;k 17 23

ii. ,l lh@vkj lh dks csps [kkrksa dk dqy ewY; (izko/kuksa dks NksM+dj) 348.39 262.94

iii. dqy izfriQy 275.04 245.94

iv. fiNys o"kksZa esa varfjr fd, x, [kkrksa ds laca/ esa izkIr vfrfjDr izfriQy 'kwU; 'kwU;

v. fuoy iqLrd ewY; dh rqyuk esa dqy ykHk@gkfu (73.35) (17.00)

vii) vutZd foÙkh; vkfLr;ksa ds Ø;@foØ; dk fooj.k (cSadks }kjk izdVhdj.k tks vutZd foÙkh; vkfLr;ksa dks vU; cSadksa ls Ø; djrs gSa) (v) vutZd foÙkh; vkfLr;ksa ds Ø; dk fooj.k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

1. (v) o"kZ ds nkSjku [kjhns x;s [kkrksa dh la[;k 'kwU; 'kwU; (c) dqy cdk;k 'kwU; 'kwU;2. (v) buesa ls] o"kZ ds nkSjku iqulZajfpr [kkrksa dh la[;k 'kwU; 'kwU; (c) dqy cdk;k 'kwU; 'kwU;

(c) vutZd foÙkh; vkfLr;ksa ds foØ; dk fooj.k (`djksM++ esa)

fooj.kpkyw o"kZ foxr o"kZ

1. foØ; fd;s x;s [kkrksa dh la[;k 17 23

2. dqy cdk;k 506.76 644.63

3. dqy izkIr izfriQy 275.04 245.94

viii) izfrHkwfrdj.k ls lacfU/r izdVhdj.k (`djksM++ esa)

Ø-la- fooj.k pkyw o"kZ foxr o"kZ

1- izfrHkwfrdj.k ysu nsuksa ds fy, cSad }kjk izk;ksftr ,l-ih-oh- dh la[;k·

'kwU; 'kwU;

2- cSad }kjk izk;ksftr ,l-ih-oh- dh cfg;ksa ds vuqlkj izfrHkwfrdr vkfLr;ksa dh dqy jkf'k

3- rqyui=k dh frfFk dks ,e-vkj-vkj- dh ikyuk djus gsrw cSad }kjk j[ks x;s fuos'k (,Dlikstj) dh dqy jkf'k

v) xSj rqyu i=k fuos'k (,Dlikstj) izFke gkfu vU;c) rqyu i=k fuos'k (,Dlikstj) izFke gkfu vU;

205

vi) Details of financial assets sold to Securitization / Reconstruction Company for Asset Reconstruction .

(`in crore)

Particulars Current Year Previous Year

i. No. of accounts 17 23

ii. Aggregate value (net of provisions) of accounts sold to SC/RC 348.39 262.94

iii. Aggregate consideration 275.04 245.94

iv. Additional consideration realized in respect of accounts transferred in earlier years NIL Nil

v. Aggregate gain/loss over net book value. (73.35) (17.00)

vii) Details of non-performing financial assets purchased/sold (Disclosure by banks, which purchase non performing financial assets from other banks)a) Details of Non-Performing financial assets purchased: (`in crore)

Particulars Current Year Previous Year

1. (a) No. of accounts purchased during the year Nil Nil

(b) Aggregate outstanding Nil Nil

2. (a) Of these, number of accounts restructured during the year Nil Nil

(b) Aggregate outstanding Nil Nil

b) Details of Non-Performing financial assets sold: (`in crore)

Particulars Current Year Previous Year

1. No. of accounts sold 17 23

2. Aggregate outstanding 506.76 644.63

3. Aggregate consideration received 275.04 245.94

viii) Disclosure relating to Securitisation : (`in crore)

S.N. Particulars Current Year Previous Year

1 No of SPVs sponsored by the bank for securitisation transactions*

-- NIL-- -- NIL--

2. Total amount of securitised assets as per books of the SPVs sponsored by the bank

3 Total amount of exposures retained by the bank to comply with MRR as on the date of balance sheet

(a) Off- balance sheet exposures

First Loss

Others

(b) On-balance sheet exposures

First Loss

Others

206

4 ,e-vkj-vkj- ds vfrfjDr izfrHkwfrdj.k ysu nsuksa ds fuos'k dh jkf'k

'kwU; 'kwU;

v) xSj rqyu i=k fuos'k (,Dlikstj)i) Lo;a ds izfrHkwfrdj.k fuos'k (,Dlikstj)

izFke gkfu vU;

ii) r`rh; i{k ds izfrHkwfrdj.k fuos'k (,Dlikstj) izFke gkfu vU; c) rqyu i=k fuos'k (,Dlikstj)

i) Lo;a ds izfrHkwfrdj.k fuos'k (,Dlikstj) izFke gkfu vU;

ii) r`rh; i{k ds izfrHkwfrdj.k fuos'k (,Dlikstj) izFke gkfu vU;

* dsoy ,l-ih-oh,l ls lEcaf/r cdk;k izfrHkwfrdj.k ysu&nsuksa dks ;gka ij n'kkZ;k tk,A

ix) ekud vkfLr;ksa laca/h izko/ku (`djksM++ esa)fooj.k pkyw o"kZ foxr o"kZ

o"kZ ds nkSjku ekud vkfLr;ksa ds laca/ esa izko/ku -20.00 157.86

ekud vkfLr;ksa ds fy, lap;h izko/ku 513.00 533.00

x) fons'k fLFkr vkfLr;ka] vutZd vkfLr;ka rFkk jktLo (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

dqy lEifr;k¡ 'kwU; 'kwU;

dqy xSj&fu"ikfnr vkfLr;k¡ 'kwU; 'kwU;

dqy jktLo 'kwU; 'kwU;

12. dkjksckjh vuqikr

fooj.k pkyw o"kZ foxr o"kZ

i. dk;Zdkjh fuf/;ksa ds izfr'kr ds :i esa C;kt vk; 9.43% 9.68%

ii. dk;Zdkjh fuf/;ksa ds izfr'kr ds :i esa xSj&C;kt vk; 1.04% 1.00%

iii. dk;Zdkjh fuf/;ksa ds izfr'kr ds :i esa ifjpkyu ykHk 2.27% 2.26%

iv. vkfLr;ksa ij izfriQy 0.83% 0.84%

v. izfr deZpkjh dkjksckj (tek rFkk vfxze) (` djksM+ esa) 12.15 11.00

vi. izfr deZpkjh 'kq¼ ykHk (` djksM+ esa) 0.07 0.06

207

4. Amount of exposures to securitisation transactions other than MRR

--NIL-- --NIL

(a) Off- balance sheet exposures (i) Exposure to own securitisations First Loss Others (ii) Exposure to third party securitisations First Loss Others(b) On- balance sheet exposures (i) Exposure to own securitisations First Loss Others (ii) Exposure to third party securitisations First Loss Others

*OnlytheSPVsrelatingtooutstandingsecuritizationtransactionsmaybereportedhere.

ix) Provisions on Standard Asset (`in crore)

Particulars Current Year Previous Year

Provisions towards Standard Assets-made during the year -20.00 157.86

Cumulative Provision held for Standard Assets 513.00 533.00

x) Overseas Assets, NPAs and Revenue (`in crore)

Particulars Current Year Previous Year

Total Assets Nil Nil

Total NPAs Nil Nil

Total Revenue Nil Nil

12. Business Ratios

Particulars Current Year Previous Year

i. Interest Income as a percentage to Working Funds 9.43% 9.68%

ii. Non-interest income as a percentage to Working Funds 1.04% 1.00%

iii. Operating Profit as a percentage to Working Funds 2.27% 2.26%

iv. Return on Assets 0.83% 0.84%

v. Business (Deposits plus advances) per employee (Rs,. in crore) 12.15 11.00

vi. Net Profit per employee (`in crore) 0.07 0.06

208

13. vkfLRk&ns;rk izca/u vkfLr;ksa vkSj ns;rkvksa dh fo'ks"k enksa dh ifjiDork dk Lo:i (`djksM+ esa)

1 fnu 2 ls 7 fnuksa rd

8 ls 14 fnuksa rd

15 ls 28 fnuksa rd

29 fnu lsa 3 eghus rd

3 eghus ls vf/d rFkk 6

eghus rd

6 eghus ls vf/d rFkk 1 o"kZ rd

1 o"kZ ls vf/d rFkk 3 o"kZ rd

3 o"kZ ls vf/d rFkk 5 o"kZ rd

5 o"kZ ls vf/d

dqy

tek 244.83 1361.43 1243.71 725.11 6243.41 3402.02 5200.75 34465.72 15394.90 25722.97 94004.85

vfxze 584.13 176.94 2415.83 475.33 2410.33 2309.98 4761.21 47227.31 3713.52 8852.86 72927.46

fuos'k 219.32 116.47 192.07 149.32 640.48 1031.78 1363.86 4175.20 4576.55 12317.32 24782.37

m/kj 0.00 2065.64 0.00 165.64 399.66 722.68 96.87 258.94 28.93 1150.00 4888.36

fons'kh eqnzk vkfLr;ka

235.84 123.81 22.94 59.25 581.08 351.14 32.46 0.00 0.00 0.00 1406.52

fons'kh eqnzk ns;rk,a

82.89 165.95 0.62 166.62 387.67 177.50 94.46 44.21 45.24 0.00 1165.16

14. fuos'k (,Dlikstj) i) LFkkoj laink {ks=k esa fuos'k (,Dlikstj) (`djksM++ esa)

Js.kh pkyw o"kZ foxr o"kZ

d) izR;{k fuos'k (,Dlikstj)

i) vkoklh; ca/d&m/kj tks vkoklh; laifr;ksa tks fd ½.kh }kjk&/kfjr gS ;k /kfjr gksuh gSa ;k fdjk, ij gSa ds ca/d }kjk iw.kZr;k lqjf{kr gSaA

& mijksDr esa ls izkFkfedrk izkIr {ks=k ds varxZr O;fDrxr vkokl ½.k

6868.30

4052.02

5930.07

3448.62

ii) okf.kfT;d LFkkoj laink m/kj tks fd okf.kfT;d LFkkoj laink ds ca/d }kjk lqjf{kr gSaA (dk;kZy; Hkou] [kqnjk txg] cgqmi;ksxh O;kolkf;d ifjlj] ikfjokfjd vkoklh; Hkou] cgqiV~Vsnkj O;kolkf;d ifjlj] vkS|ksfxd ;k Hk.Mkj x`g LFky] gksVYl] Hkwfevf/xzg.k] fodkl ,oa fuekZ.k bR;knh) (xSj fuf/d vk/kfjr lhek lfgr)

1325.97 1816.96

iii) ca/d lefFkZr izfrHkwfr;ksa (,ech,l) esa fuos'k vkSj vU; izfrHkwfrd`r ,Dlikstj

d- vkoklh; 0.00 0.00

[k- okf.kfT;d LFkkoj laink 0.00 0.00

[k) vizR;{k fuos'k (,Dlikstj)jk"Vªh; vkokl cSad (,u,pch) vkSj vkokl foÙk dEifu;ksa (,p,iQlh,l) ds laca/ eas fuf/ rFkk xSj&fuf/ vk/kfjr fuos'k (,Dlikstj)

2096.23 1944.58

LFkkoj laink {ks=k esa dqy fuos'k (,Dlikstj) 10290.50 9691.61

209

13. Asset Liability Management

Maturity pattern of certain items of assets and liabilities (`in crore)Day 1 2 to 7

days8 to 14 days

15 to 28 days

29 days to 3

months

Over 3 months

& up to 6 months

Over 6 months

& up to 1 year

Over 1 year & up to 3 years

Over 3 years & up to 5 years

Over 5 years

Total

Deposits244.83 1361.43 1243.71 725.11 6243.41 3402.02 5200.75 34465.72 15394.90 25722.97 94004.85

Advances584.13 176.94 2415.83 475.33 2410.33 2309.98 4761.21 47227.31 3713.52 8852.86 72927.46

Investments219.32 116.47 192.07 149.32 640.48 1031.78 1363.86 4175.20 4576.55 12317.32 24782.37

Borrowings0.00 2065.64 0.00 165.64 399.66 722.68 96.87 258.94 28.93 1150.00 4888.36

Foreign Currency assets

235.84 123.81 22.94 59.25 581.08 351.14 32.46 0.00 0.00 0.00 1406.52

Foreign Currency liabilities

82.89 165.95 0.62 166.62 387.67 177.50 94.46 44.21 45.24 0.00 1165.16

14. Exposures :

i) Exposure to Real Estate Sector (`in crore)

Category Current Year Previous Year

a) Direct Exposure

i) Residential Mortgages – Lending fully secured by mortgages on residential property that is or will be occupied by the borrower or that is rented

-Out of which Individual housing loans eligible for inclusion in priority sector advances

6868.30

4052.02

5930.07

3448.62

ii) Commercial Real Estate

ending secured by mortgages on commercial real estate (office buildings, retail space, multi purpose commercial premises, multi family residential buildings, multi tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.). (including Non-fund based (NFB) limits)

1325.97 1816.96

iii) Investment in Mortgage Backed Securities (MBS) and other securities exposures:-

a) Residential 0.00 0.00

b) Commercial Real Estate 0.00 0.00

b) Indirect Exposure

Fund and Non-fund based exposures on National Housing Bank (NHB) and Housing Finance Companies (HFCs)

2096.23 1944.58

Total Exposure to Real Estate Sector 10290.50 9691.61

210

ii) iwath cktkj esa fuos'k (,Dlikstj) (`djksM++ esa)

Ø-la-. Js.kh pkyw o"kZ foxr o"kZ

i) bZfDoVh 'ks;jksa] ifjorZuh; ckW.Mksa] ifjorZuh; fMcsapjksa rFkk bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa esa izR;{k fuos'k ftudh ewyfuf/ iwjh rjg ls daiuh ½.k esa fuos'k ugha dh tkrh gS

60.96 42.64

ii) 'ks;jksa (vkbZihvks@b,lvksih,l lfgr)] ifjorZuh; ckW.Mksa] ifjorZuh; fMcsapjksa] bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa esa fuos'k gsrq O;fDr;ksa dks 'ks;jksa@ckW.Mksa@fMcsapjksa ;k vU; izfrHkwfr;ksa dh tekur ij ;k fucZ/ vk/kj ij vfxze

0.00 0.00

iii) fdlh ,sls vU; iz;kstu ds fy, vfxze tgk¡ 'ks;jksa esa ifjorZuh; ckW.Mksa ;k ifjorZuh; fMcsapjksa ;k bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa dks izkFkfed izfrHkwfr ds :i esa fy;k tkrk gS

0.00 0.00

iv) fdlh vU; iz;kstu ds fy, ml lhek rd vfxze ftl lhek rd og 'ks;jksa ;k ifjorZuh; ckW.Mksa ;k ifjorZuh; fMcsapjksa ;k bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa dh leikf'Zod tekur }kjk tekur izkIr gS vFkkZr~ tgk¡ 'ks;jksa@ifjorZuh; ckW.Mksa@ifjorZuh; fMcsapjksa@bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa ls fHkUu izkFkfed izfrHkwfr vfxzeksa dks iw.kZ tekur iznku ugha djrh

0.00 0.00

v) LVkWd czksdjksa dks tekurh rFkk xSj&tekurh vfxze vkSj LVkWd czksdjksa rFkk ekdsZV esdjksa dh vksj ls nh xbZ xkjafV;ka

157.09 160.25

vi) daifu;ksa dks lalk/u tqVkus dh izR;k'kk esa u;h daiuh dh bZfDoVh esa izorZd ds va'knku dks iwjk djus ds fy, 'ks;jksa@ckW.Mksa@fMcsapjksa ;k vU; izfrHkwfr dh tekur ij ;k fuc±/ vkèkkj ij eatwj ½.k

0.00 0.00

vii) laHkkfor bZfDoVh izokgksa@fuxZeksa dh tekur ij daifu;ksa dks iwjd ½.k 0.00 0.00

viii) 'ks;jksa ;k ifjorZuh; ckW.Mksa ;k ifjorZuh; fMcsapjksa ;k bZfDoVh mUeq[k E;qP;qvy iQaMksa ds ;wfuVksa ds izkFkfed fuxZe ds lanHkZ esa cSadksa }kjk fd;s x;s gkehnkjh ok;ns

0.00 0.00

ix) ekftZu VsªfMax ds fy, LVkWd czksdjksa dks foÙkiks"k.k 0.00 0.00

x) m|e iwath fuf/;ksa (iathÑr vkSj viathd`r nksuksa) esa fuos'k (,Dlikstj) 24.16 24.71

iw¡th cktkj esa dqy fuos'k (,Dlikstj) 242.21 227.60

iii) ,l-Mh-vkj esa fuos'k lEca/h izdVhdj.k ,l-Mh-vkj esa fuos'k jkf'k :i;s 21-7 djksM++ (foxr o"kZ :i;s 'kwU;) Hkkjrh; fjtoZ cSad ds ifji=k la[;k vkj-ch-vkbZ@2014&15@627

fnukad 08-06-2015 dh vko';drk vuqjks/ ,-,iQ-,l Js.kh fuos'k esa j[kk x;kA

15. tksf[ke Js.kh&okj fdlh ns'k esa cSad ½.k (,Dlikstj) (`djksM++ esa)tksf[ke Js.kh* 31 ekpZ 2016 dks

½.k (pkyw o"kZ)31 ekpZ 2016 dks

/kfjr izko/ku (pkyw o"kZ)31 ekpZ 2015 dks ½.k (foxr o"kZ)

31 ekpZ 2015 dks /kfjr izko/ku(foxr o"kZ)

egRoiw.kZ ugha (,1) 956.42 'kwU; 665.28 'kwU;

fuEu (,2) 256.96 'kwU; 286.02 'kwU;

eè;e fuEu (ch1) 58.37 'kwU; 50.48 'kwU;

eè;e (ch2) 22.47 'kwU; 21.68 'kwU;

211

ii) Exposure to Capital Market (`in crore)

S. No.

Particulars Current Year

Previous Year

i) Direct investment in equity shares, convertible bonds, convertible debentures and units of equity–oriented mutual funds the corpus of which is not exclusively invested in corporate debt

60.96 42.64

ii) Advances against shares/bonds/debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ESOPs), convertible bonds, convertible debentures, and units of equity-oriented mutual funds;

0.00 0.00

iii) Advances for any other purposes where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken as primary security;

0.00 0.00

iv) Advances for any other purposes to the extent secured by the collateral security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the primary security other than shares/convertible bonds/convertible debentures/units of equity oriented mutual funds does not fully cover the advances;

0.00 0.00

v) Secured and unsecured advances to stockbrokers and guarantees issued on behalf of stockbrokers and market makers

157.09 160.25

vi) Loans sanctioned to corporates against the security of shares / bonds/debentures or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources;

0.00 0.00

vii) Bridge loans to companies against expected equity flows/issues; 0.00 0.00

viii) Underwriting commitments taken up by the banks in respect of primary issue of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds;

0.00 0.00

ix) Financing to stockbrokers for margin trading; 0.00 0.00

x) All exposures to Venture Capital Funds (both registered and unregistered) 24.16 24.71

Total Exposure to Capital Market 242.21 227.60

(iii) Disclosure regarding Investment in Strategic Debt Restructuring (SDR)

Investment in Strategic Debt Restructuring (SDR) amounting to Rs.21.07 crores (previous year Rs.NIL) are kept as investment in AFS category according to requirement of RBI Circular No.RBI/2014-15/627 dated 08.06.2015.

15. Risk Category wise Country Exposure (`in crore)

Risk Category* Exposure as on March 31, 2016 (Current Year)

Provision held as on March 31, 2016

(Current Year)

Exposure as on March 31, 2015 (Previous Year)

Provision held as on March 31, 2015 (Previous Year)

Insignificant (A1) 956.42 NIL 665.28 NIL

Low (A2) 256.96 NIL 286.02 NILModerate Low (B1) 58.37 NIL 50.48 NIL

Moderate (B2) 22.47 NIL 21.68 NIL

212

eè;e mPp (lh1) 0.00 'kwU; 0.16 'kwU;

mPp (lh2) 0.74 'kwU; 0.00 'kwU;

vfr mPp (Mh) 'kwU; 'kwU; 0.00 'kwU;

dqy 1294.96 'kwU; 1023.62 'kwU;

* Hkkjrh; fu;kZr lk[k xkjUVh fuxe (blhthlh) dk vuqlj.k djrs gq, cSad esa lkr Js.kh oxhZdj.k dk mi;ksx oxhZdj.k ds mís'; ls ,oa ns'k tksf[ke ,Dlikstj dk izko/ku djus ds fy, fd;k gSA

izR;sd ns'k ds lkFk fons'kh fofue; laO;ogkjksa esa cSasd dk fuoy fuf/d fofuos'k (,Dlikstj) cSad dh dqy vkfLr;ksa ds 1» ds vanj gSA vr% izko/ku dh vko';drk ugha gSA

16. cSad }kjk ,dy m/kjdrkZ lhek (,l-ch-,y) lewg m/kjdrkZ lhek (th-ch-,y-) ds mYya?ku dk fooj.kA cSad us o"kZ ds nkSjku ,dy m/kjdrkZ lhek rFkk lewg m/kjdrkZ lhek dk mYya?ku ugha fd;k gSA17. vizfrHkwr vfxze (`djksM++ esa)

Ø-l- fooj.k pkyw o"kZ foxr o"kZ

(i) vizfrHkwr vfxzeksa dh dqy jkf'k] ftuds fy, vewrZ tekur tSls fd vf/dkjksa] ykblsalksa] izkf/dkjksa vkfn ij ½.k Hkkj&l`ftr fd;k x;k gSA

'kwU; 'kwU;

(ii) bu vewrZ laikf'oZd dk vuqekfur ewY; 'kwU; 'kwU;

18. ykHk&gkfu [kkrs esa izko/ku ,oa vkdfLedrkvksa dk fooj.k fuEukuqlkj gS% (`djksM++ esa)Js.kh pkyw o"kZ foxr o"kZ

fofu/kuksa ij ewY; ßkl@ifj'kks/u gsrq izko/ku 26.87 (11.54)

mn; ;kstukUrxZr izko/ku 48.19 -

xSj&fu"ikfnr vkfLr;ksa gsrq izko/ku 1145.32 566.07

xSj&fu"ikfnr vkfLr;ksa ds fy, vLFkk;h izko/ku 0.00 0.0

ekud vkfLr;ksa ij izko/ku -20.00 157.86

djk/ku gsrq izko/ku% (i) vk;dj 353.11 303.85

(ii) /u dj -0.04 0.30

lhMhvkj@xSj lhMhvkj [kkrksa ij C;kt R;kx dk izko/ku -210.14 229.75

vU;@vdfLedrk,a 19.26 26.89

mi&;ksx 1362.57 1273.18

vkLFkfxr dj nkf;Ro@(vkfLr) 91.87 54.07

;ksx 1454.44 1327.25

19. Hkkjrh; fjt+oZ cSad }kjk yxkbZ xbZ 'kkfLr;ksaa dk izdVhdj.k cSaddkjh fofu;eu vfèkfu;e 1949 dh /kjk 46(4) ds izko/kuks ds varxZr bl vf/fu;e ds fdlh Hkh izko/ku ds mYya?ku

vFkok cSaddkjh fofu;eu vfèkfu;e 1949 dh fdlh vU; vis{kk dh vuqikyuk u djus ds fy, o"kZ ds nkSjku dksbZ naM ugha yxk;k x;k gSA

213

Moderately High (C1) 0.00 NIL 0.16 NIL

High (C2) 0.74 NIL 0.00 NIL

Very High (D) NIL NIL 0.00 NILTotal 1294.96 NIL 1023.62 NIL

*Bank has used the seven category classification followed by Export Credit Guarantee Corporation of India Ltd (ECGC) for the purpose of classification and making provision for country risk exposures.

The net funded exposure of the Bank in respect of foreign exchange transactions with each country is within 1% of the total assets of the Bank, hence no provision is required.

16. Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the bank

The Bank has not exceeded the Single Borrower Limit and Group Borrower Limit during the year.

17. Unsecured Advances (`in crore)

S.No. Particulars Current Year Previous Year

i) Total amount of unsecured advances forwhich intangible securitiessuchaschargeovertherights,licenses,authority,etc.hasbeentaken NIL NIL

ii) Estimatedvalueofsuchintangiblecollateral NIL NIL

18. Details of Provisions & Contingencies in Profit & Loss Account are as under: (`in crore)

Particulars Current Year Previous Year

Provision for Depreciation/Amortisation on investments 26.87 (11.54)

Provision under UDAY Scheme 48.19 -

Provision for Non Performing Assets 1145.32 566.07

Floating provision towards NPAs 0.00 0.00

Provision on Standard Assets -20.00 157.86

Provision for Taxation:

(i) Income Tax 353.11 303.85

(ii) Wealth Tax : -0.04 0.30

Provision for Sacrifice of Interest in CDR/Non CDR A/cs -210.14 229.75

Others/Contingencies 19.26 26.89

SUB TOTAL 1362.57 1273.18

Deferred Tax Liabilities/(Asset) 91.87 54.07

TOTAL 1454.44 1327.25

19. Disclosure of Penalties Imposed by RBI No penalty was imposed during the year as per Section 46 (4) of the Banking Regulation Act, 1949, for

contraventions of any of the provisions of the Act or non-compliance with any other requirement of the Banking Regulation Act, 1949.

214

20. vLFkk;h izko/ku (`djksM++ esa)

Ø-la- fooj.k pkyw o"kZ foxr o"kZ

1 vLFkk;h izko/ku [kkrs esa vFk'ks"k 20.49 40.97

2. ys[kk o"kZ esa fd;s x;s vLFkk;h izko/kuksa dh ek=kk 0.00 0.00

3. o"kZ ds nkSjku fd;s x;s vkgj.k dk iz;kstu vkSj jkf'k (jkf'k dk vutZd vkfLr;ksa ds fy, fof'k"V izkoèkku gsrq mi;ksx fd;k x;k)

0.00 20.48

4. vLFkk;h izko/ku [kkrs esa vfr'ks"k 20.49 20.49

21. f'kdk;rksa@cSafdax yksdiky }kjk ikfjr vfØ;kfUor vf/fu.kZ;ksa dk fooj.k v- xzkgd f'kdk;rsa

(d) o"kZ ds izkjEHk esa yafcr f'kdk;rksa dh la[;k 5

([k) o"kZ ds nkSjku izkIr f'kdk;rksa dh la[;k 6570

(x) o"kZ ds nkSjku nwj dh x;h f'kdk;rksa dh la[;k 6573

(?k) o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 2

*yafcr 2 f'kdk;rsa lrdZrk foHkkx ls lacaf/r gSaA

c- cSafdax yksdiky }kjk ikfjr vf/fu.kZ;

(d) o"kZ ds izkjEHk esa dk;kZfUor u fd;s x;s vf/fu.kZ;ksa dh la[;k 0

([k) o"kZ ds nkSjku cSafdax yksdiky }kjk ikfjr vf/fu.kZ;ksa dh la[;k 0

(x) o"kZ ds nkSjku dk;kZfUor fd;s x;s vf/fu.kZ;ksa dh la[;k 0

(?k) o"kZ ds var eas dk;kZfUor u fd;s x;s vf/fu.kZ;ksa dh la[;k 0

**nks ekeyksa dks NksM+dj ftuesa vihy Lohdkj dh x;h rFkk cSafdax yksdiky }kjk ikfjr vf/fu.kZ; dks vihyh; vf/dkjh us vLohÑr dj fn;kA

l- ,Vh,e lacafèkr xzkgd f'kdk;rsa

(d) o"kZ ds izkjEHk esa yafcr f'kdk;rksa dh la[;k 40

([k) o"kZ ds nkSjku izkIr f'kdk;rksa dh la[;k 15095

(x) o"kZ ds nkSjku nwj dh x;h f'kdk;rksa dh la[;k 15108

(?k) o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 27

215

20. Floating Provisions :- (`in crore)

S.N Particulars Current Year Previous Year

1 Opening balance in Floating Provisions Account 20.49 40.97

2. The quantum of Floating Provisions made in the accounting year 0.00 0.00

3. Purpose and amount of draw down made during the accounting year (Amount used for specific provisions for NPA) 0.00 20.48

4. Closing balance in Floating Provisions Account 20.49 20.49

21. Details of Complaints/unimplemented awards of Banking Ombudsman(BO) A. Customer Complaints

(a) No.ofComplaintspendingatthebeginningoftheyear 5

(b) No.ofComplaintsreceivedduringtheyear 6570

(c) No.ofComplaintsredressedduringtheyear 6573

(d) No.ofComplaintspendingattheendoftheyear 2

(*) Pending 2 complaints related to Vigilance Department.

B. Awards passed by the Banking Ombudsman

(a) No. of unimplemented Awards at the beginning of the year 0

(b) No. of Awards passed by the Banking Ombudsman during the year 0

(c) No. of Awards implemented during the year 0

(d) No. of unimplemented Awards at the end of the year 0

C. ATM Related Customer Complaints

(a) No. of Complaints pending at the beginning of the year 40

(b) No. of Complaints received during the year 15095

(c) No. of Complaints redressed during the year 15108

(d) No. of Complaints pending at the end of the year 27

216

22. rqyu i=ksrj izk;ksftr ,l-ih-oh (ftUgsa ys[kk ekinaMksa ds vuqlkj lesfdr fd;k tkuk pkfg,)

izk;ksftr ,l-ih-oh- dk uke % feysfu;e flVh ,Dlizslos (izk-) fyfeVsM fuEu va'k/kfjrk Lo:i esa fnYyh xqM+xkao jksM+

izkstsDV ds ½.k nkrkvksa }kjk la;qDr :i ls izk;ksftr

?kjsyw fons'kh

cSad@ foÙkh;laLFkk

va'k/kfjrkdk izfr'kr

lerk va'kksa dh la[;k

vkslhvkjih,l dh la[;k

va'kksa dh dqy la[;k

va'kksa dk ewY;(` esa)

1- ,pMh,iQlh 29.98 176608965 0 176608965 1766089650.00

'kwU;

2- chvksvkbZ 29.98 176608965 0 176608965 1766089650.00

3- ih,uch 29.07 144896831 26250000 171146831 1711468310.00

4- vkschlh 7.42 36137063 7560000 43697063 436970630.00

5- ,lchchts 3.55 18158176 2780000 20938176 209381760.00

dqy 100.00 552410000 36590000 589000000 5890000000.00

23. tekvksa] vfxzeksa] fuos'k (,Dlikstj) rFkk vutZd vkfLr;ksa (,uih,) dk ladsaæ.k

(v) tek jkf'k dk ladsaæ.k (`djksM++ esa)fooj.k pkyw o"kZ foxr o"kZ

chl lcls cM+s tekdrkZvksa dh dqy tek jkf'k 9725-81 8787-60

cSad dh dqy tekjkf'k;ks esa chl lcls cM+s tekdrkZvksa dh tekjkf'k;ksa dk izfr'kr 10.35% 10.43%

(c) vfxzeksa dk ladsaæ.k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

chl lcls cM+s m/kjdrkZvksa dks dqy vfxze 9873-79 9119-00

cSad ds dqy vfxzeksa esa chl lcls cM+s m/kjdrkZvksa ds vfxzeksa dk izfr'kr 13.20% 12.80%

(l) fuos'kksa (,Dlikstj) dk ladsaæ.k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

chl lcls cM+s m/kjdrkZvksa@xzkgdksa dks dqy ,Dlikstj 10885-46 10840-25

m/kjdrkZvksa@xzkgdksa ij cSad ds dqy ,Dlikstj dh rqyuk esa chl lcls cM+s m/kjdrkZvksa@xzkgdksa

ds izfr ,Dlikstj dk izfr'kr

12.06% 13.43%

(n) vutZd vkfLr;ksa dk ladsaæ.k (`djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

pkj 'kh"kZLFk vutZd vkfLr [kkrks esa dqy ,Dlikstj 655-27 659-54

24. cSad chek dkjksckj

31-3-2016 dks lekIr o"kZ esa cSad chek dkjksckj ds laca/ esa izkIr 'kqYd@ikfjJfed dk fooj.k

217

22. Off-balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)

Name of the SPV sponsored :- Millennium City Expressway (P) Ltd sponsored jointly by lenders of Delhi Gurgaon Road Project in the following shareholding pattern

Domestic Overseas

Bank/FI%age of

share holding

No. of equity shares

No. of OCRPS

Total No. of shares Share Value

-- NIL--

1. HDFC 29.98% 176608965 0 176608965 1766089650.00

2. BOI 29.98% 176608965 0 176608965 1766089650.00

3. PNB 29.07% 144896831 26250000 171146831 1711468310.00

4. OBC 7.42% 36137063 7560000 43697063 436970630.00

5. SBBJ 3.55% 18158176 2780000 20938176 209381760.00

Total 100.00% 552410000 36590000 589000000 5890000000.00

23. Concentration of Deposits, Advances, Exposures and NPAs a) Concentration of Deposits (`in crore)

Particulars Current Year Previous Year

Total Deposits of twenty largest depositors 9725.81 8787.60

Percentage of Deposits of twenty largest depositors to total

Deposits of the bank10.35% 10.43%

b) Concentration of Advances (`in crore)

Particulars Current Year Previous Year

Total Advances to twenty largest borrowers 9873.79 9119.00

Percentage of Advances to twenty largest borrowers to total Advances of the bank

13.20% 12.80%

c) Concentration of Exposure (`in crore)

Particulars Current Year Previous Year

Total Exposure to twenty largest borrowers/customers 10885.46 10840.25

Percentage of Exposures to twenty largest borrowers/customers to total Exposure of the bank on Borrowers / customers

12.06% 13.43%

d) Concentration of NPAs (`in crore)

Particulars Current Year Previous Year

Total Exposure to top four NPA accounts 655.27 659.54

24. Insurance Business Details of fees/remuneration received in respect of the bancassurance business for the year ended 31st

March, 2016.

218

(`djksM++ esa)dEiuh dk uke pkyw o"kZ foxr o"kZ

thou chek

,lchvkbZ ykbiQ ba';ksjsal da- fy- 31.47 21.38

xSj thou chek

,l-ch-vkbZ- lkekU; chek da- fy- 4.55 3.21

dqy 36.02 24.59

25. cSadksa }kjk tkjh pqdkSrh vk'oklu i=k (ysVj vkWiQ dEiQVZ) dk izdVhdj.k

Ø-la- fooj.k ;w,lMh ;wjks ;su jkf'k (`djksM++ esa)

1. vU; cSad 100183349.59 4576821.40 42000.00 698.27

2. Hkkjrh; LVsV cSad rFkk lg;ksxh 36211099.79 912039.03 64838788.00 250.62

dqy 136394449.38 5488860.43 64880788.00 948.89

26. vkjf{kr fuf/;ksa dk vkgj.k

pkyw foÙk o"kZ ds nksjku vkjf{kr fuf/ esa dksbZ vkgj.k ugha gqvk gS (xr o"kZ 'kwU;)A

27. ,e-,l-,e-bZ-Mh- vf/fu;e ds varxZr izdVhdj.k

lw{e ,oa y?kq m|fe;ksa ls Ø; py lEifÙk rFkk lsokvksa ds Ø; ls lacaf/r lwpuk dk fooj.k (`djksM++ esa)

Ø-la- fooj.k ewy jkf'k C;kt

1. 31-03-2016 dks fdlh Hkh vkiwfrZdrkZ dh cdk;k ewy jkf'k ,oa ml ij ns; C;kt (vyx vyx n'kkZ;k tk;s)

'kwU; 'kwU;

2. o"kZ 2015&16 ds nkSjku fdlh vkiwfrZdrkZ dks fu;r fnol ds i'pkr~ fd;s x;s Hkqxrku dh jkf'k ,oa ,e-,l-,e-bZ-Mh- vf/fu;e dh /kjk 16 ds varxZr Øsrk }kjk pqdk;s x;s C;kt dh jkf'k

'kwU; 'kwU;

3. Hkqxrku (tks o"kZ ds nkSjku fu;r fnol ds i'pkr pqdk;s x;s gSa)] ftUgsa bl vfèkfu;e esa mYysf[kr C;kt dks tksM+sa fcuk fd;k x;k gS] esa nsjh dh vof/ gsrq ns; ,oa Hkqxrku ;ksX; C;kt dh jkf'k

XXX 'kwU;

4. 31-03-2016 dks vnÙk jgus okys mikftZr C;kt dh jkf'k XXX 'kwU;

5. vuqorhZ o"kksZa esa Hkh] tc rd y?kq m|eh dks mi;qDZr ns; C;kt dk okLro esa Hkqxrku ugha dj fn;k tkrk] Hkqxrku ;ksX; vkxs ds vnÙk C;kt dh jkf'k] tks vf/fu;e dh èkkjk 23 ds varxZr dVkSrh ;ksX; O;; ds :i esa vLohdk;Z dh tkuh gSA

XXX 'kwU;

28. vugsTM fons'kh eqnzk ,Dlikstj ls lacaf/r izdVhdj.k

xq.kkRed izdVhdj.k%

(v) cSad ds ikl vUgsTM fons'kh eqnzk ,Dlikstj esa eqnzk izHkkfor lk[k tksf[ke izca/u gsrq iw.kZ ifjHkkf"kr lajpuk ,oa laxBu gSA

219

(`in crore)

Name of the Company Current Year Previous Year

LIFE INSURANCE

SBI Life Insurance Co. Ltd. 31.47 21.38

NON LIFE INSURANCE

SBI General Insurance 4.55 3.21TOTAL 36.02 24.59

25. Disclosure of Letter of Comfort (LOCs) issued by banks

S. N. Particulars USD Euro Yen INR (`in crore)

1 Other Banks 100183349.59 4576821.40 42000.00 698.27

2 SBI & Associates 36211099.79 912039.03 64838788.00 250.62

TOTAL 136394449.38 5488860.43 64880788.00 948.89

26. Draw Down from Reserves

There has been no draw down from Reserves during the year (Previous year NIL).

27. DISCLOSURES IN TERMS OF MSMED ACT

DETAILS OF INFORMATION RELATING TO PURCHASE OF MOVEBALE PROPERTY & SERVICES FROM MICRO AND SMALL ENTERPRISES (`in crore)

S.No. Particulars Principal Amount

Interest

1 Principal amount and interest due thereon (to be shown separately) remaining unpaid to any supplier as on 31/03/2016 Nil Nil

2 Amount of interest paid by the buyer in terms of section 16 of the MSMED Act, along with the amount of the payment made to the supplier beyond the appointed day during the year 2015-16.

Nil Nil

3 Amount of interest due and payable for the period of delay in making payment (which have been paid but beyond appointed day during the year) but without adding the interest specified under this Act;

XXX Nil

4 The amount of interest accrued and remaining unpaid as on 31/03/2016 XXX Nil

5 Amount of further interest remaining due and payable even in the succeeding years, until such date when the interest dues as above are actually paid to the small enterprise, for the purpose of disallowance as a deductible expenditure under section 23 of the Act.

XXX Nil

28. DISCLOSURE ON UNHEDGED FOREIGN CURRENCY EXPSOURE :- Qualitative Disclosure :-

(a) The Bank has well defined structure and organization for management of currency induced credit risk in Unhedged Foreign Currency Exposure.

220

(c) cSad ds ikl vugsTM fons'kh eqnzk ,Dlikstj gsrq funs'kd eaMy }kjk LohÑr ikWfylh gS tks fd cSad dh osclkbV ij ikWfylh 'kh"kZd ds vUrxZr miyC/ gSA

(l) vugsTM fons'kh eqnzk ,Dlikstj ds izko/ku] vko';drk dh ns[kjs[k varZjk"Vªh; cSafdx foHkkx }kjk le;&le; ij dh tkrh gS rFkk mi;ksxdrkZ foHkkx dks lwfpr fd;k tkrk gSA

(n) vugsTM fons'kh eqnzk ,Dlikstj gsrq cSad }kjk j[ks x, o`f¼ijd tksf[ke Hkkfjr vkfLr rFkk iwath ds fy, ,dhÑr tksf[ke izca/u foHkkx le;&le; ij vuqorZu djrk gS rFkk mi;ksxdrkZ foHkkx dks lwfpr djrk gSA

ifjek.kkRed izdVhdj.k% (` djksM++ esa)Ø-l- fooj.k pkyw o"kZ foxr o"kZ

1 ` 25-00 djksM++ rd ,oa vf/d ds lhek gsrq izko/ku jkf'k 14.68 10.762- (v) dks"k vk/kfjr ,Dlikstj ds fy, 80 vk/kj vad lewg ds

vUrxZr vkus okyh bdkbZ;ksa dh o`f¼ijd tksf[ke Hkkfjr vkfLr

371.78 139.10

(c) xSj dks"k vk/kfjr ,Dlikstj ds fy, 80 vk/kj vad lewg ds vUrxZr vkus okyh bdkbZ;ksa dh o`f¼ijd tksf[ke Hkkfjr vkfLr

51.34 88.64

80 vk/kj vad lewg ds vUrxZr vkus okyh bdkbZ;ksa dh dqy o`f¼ijd tksf[ke Hkkfjr vkfLr

423.12 227.74

3- o`f¼ijd tksf[ke Hkkfjr vkfLr gsrq cSad }kjk j[kh xbZ iwath (o`f¼ijd tksf[ke Hkkfjr vkfLr dk 9%)

38.08 20.50

4- o`f¼ijd tksf[ke Hkkfjr vkfLr gsrq cSad }kjk j[kh xbZ iwath (o`f¼ijd tksf[ke Hkkfjr vkfLr dk 9-625%)

40.72 ykxw ugha

29. tekdÙkkZ f'k{kk vkSj tkx:drk fuf/ ;kstuk (MhiQ) ds vUrxZr vUrj.k dk izdVhdj.k

(` djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZMhiQ esa varfjr dh xbZ jkf'k dk vFk'ks"k 161.30 0.00

tksMs% o"kZ ds nkSjku MhiQ esa varfjr dh xbZ jkf'k 25.23 161.30

?kVk,% MhiQ }kjk nkok gsrq iquHkZfjr dh xbZ jkf'k 0.15 0.00

MhiQ esa varfjr dh xbZ jkf'k dk bfr'ks"k 186.38 161.30

;kstuk orZeku foÙk o"kZ esa gh ykxw dh xbZ gS vr% foxr o"kZ ds vkdM+s ugh fn, x, gSaA

30. rjyrk vkPNknu vuqikr gsrq izdVhdj.k%

xq.kkRed izdVhdj.k

vf/d yphyss cSafdax {ks=k dks c<+kok nsus gsrq rjyrk fu;eksa dks etcwr cukus ds mís'; ls Hkkjrh; fjtoZ cSad us muds ifji=kk MhchvksMh ch-ih-ch-lh-la[;k 120@21-04-098@2013&14 fnukad 09 twu] 2014 }kjk rjyrk vkPNknu vuqikr] tksf[ke fuxjkuh midj.kksa rFkk ,y-lh-vkj- izdVhdj.k ekudksa ds fn'kk&funsZ'k tkjh fd, tks 01 tuojh 2015 ls izHkkoh gSA,ylhvkj laHkkfor rjyrk vojks/ks ds fo:¼ cSadksa ds vYidkfyd yphysiu dks c<+kok nsrk gS rkfd 30 fnuksa rd pyus okyh mPp ruko dh fLFkfr dks >syus gsrq i;kZIr mPp xq.koÙkk dh rjy vkfLr (,p-D;w-,y-,-) miyC/ jgsAdSys.Mj o"kZ 2016 ds fy, vko';d U;wure rjyrk vkPNknu vuqikr 70% gSA y cSad ds rjyrk vkPNknu vuqikr ds eq[; ?kVd gS%&

(i) ,p-D;w-,y-,- Lrj&I ds vkfLr] ftlesa eq[;r% ,l-,y-vkj- vko';drkvksa ds vkf/D; dh ljdkjh izfrHkwfr;ka] Hkkjrh; fjtoZ cSad }kjk ,e-,l-,iQ- rFkk rjyrk vkPNknu vuqikr lqfo/k izkIr djus gsrq ,u-Mh-Vh-,y- ds 8% ds cjkcj j[kh ljdkjh izfrHkwfr;ksa ds vUrxZr vuqerA

221

(b) The Bank has Board approved policy on Unhedged Foreign Currency Exposure, which is available on Banks website under the policy head.

(c) For provision requirement of Unhedged Foreign Currency and monitoring, International Banking Department is periodically monitoring it and is advised to the user department.

(d) For incremental RWA and capital held by the Bank towards Unhedged Foreign Currency Exposure, Integrated Risk Management Department is periodically monitoring it and is advised to user department.

Quantitative Disclosure : (`in crore)

S. No. Particulars Current Year Previous Year

1. Provision amount of limit upto and above Rs.25 Crore 14.68 10.76

2

(a) Incremental RWA for entities falling in 80 bps bucket for Fund Based Exposure 371.78

139.10

(b) Incremental RWA for entities falling in 80 bps bucket for Non-Fund Based Exposure 51.34 88.64

Total Incremental RWA for entities falling in 80 bps bucket 423.12 227.74

3 Capital held by Bank towards incremental RWA (9% of incremental RWA) 38.08 20.50

4 Capital held by Bank towards incremental RWA (9.625% of incremental RWA) 40.72 NA

29. Disclosure in regard to Transfer to Depositor Education and Awareness Fund (DEAF)(`in crore)

Particulars Current Year Previous Year

Opening balance of amounts transferred to DEAF 161.30 0.00

Add : Amounts transferred to DEAF during the year 25.23 161.30

Less : Amounts reimbursed by DEAF towards claims 0.15 0.00

Closing balance of amounts transferred to DEAF 186.38 161.30

Scheme Implemented since current year hence preveious year opening balance not quoted.

30. Disclosure on Liquidity Coverage Ratio : Qualitative Disclosure

With the objective to strengthen liquidity regulations to promote a more resilient banking sector, Reserve Bank of India, vide Circular No. DBOD.BP.BC.No.120/21.04.098/2013-14 dated June 9, 2014, issued guidelines on Liquidity Coverage Ratio (LCR), Risk monitoring tools and LCR disclosure standards, which become effective from January 1, 2015. The LCR promotes short-term resilience of banks to potential liquidity disruptions by ensuring that they have sufficient high quality liquid assets (HQLAs) to survive an acute stress scenario lasting for 30 days. The LCR requirement is minimum 70% for the calendar year 2016.

• Main drivers of the Bank’s LCR

(i) HQLA Level 1 Asset, majority of which is contributed by Government securities in excess of SLR requirement and Government securities within the mandatory SLR requirement to the extent allowed by RBI under MSF and Facility to Avail Liquidity Coverage Ratio (FALLCR) up to 8% of NDTL

222

(ii) dqy fuoy udn ck á izokg] eq[;r% xSj foÙkh; dkWjiksjsVl rFkk lkoZtfud {ks=k ds miØe ls izkIr ,deq'r tekvksa ls cus vlqjf{kr Fkksd iQafMx rFkk [kqnjk ,oa NksVs xzkgdksa ls izkIr tekvksa ds lkFk&lkFk ukckMZ@flMch@,u-,p-ch- ls izkIr iqufoZÙk ds ekè;e ls lqjf{kr iQafMx 'kkfey gSA

y ,y-lh-vkj- esa vUrj vof/ ifjorZu] eq[;r% vfrfjDr lhvkjvkj 'ks"k rFkk Hkkj&jfgr vfrfjDr ,l-,y-vkj- 'ks"k ds dkj.k gksrs gSaA

y cSad ds mPp xq.koÙkk okys rjy laifÙk esa Lrj&I vkfLr;ksa dk 98% ;ksxnku gSA y cSad ds foÙkh; L=kksrksa esa fofo/rk gS tks fujarj fuxjkuh ds v/hu gaSA y MsfjosfVo esa cSad dk ,Dlikstj ux.; gSA y cSad ds rjyrk izca/u ds dk;Zdykiksa dk mÙkj nkf;Ro dks"k foHkkx eqEcbZ rFkk vkfLr ns;rk izca/u foHkkx t;iqj

esa fufgr gS tks fd vkfLr ns;rk izca/u lfefr (ALCO) dks fjiksVZ djrs gSaA ifjek.kkRed izdVhdj.k% (` djksM++ esa)

rjyrk vkPNknu vuqikr (,ylhvkj) dh fooj.kh

cSad dk uke LVsV cSad vkWiQ chdkusj ,.M t;iqj

frekgh lekfIr gsrq rhu ekg dh vkSlr fLFkfr 31-03-2016 31-03-2015

xSj Hkkfjr jkf'k (vkSlr)

Hkkfjr jkf'k (vkSlr)

xSj Hkkfjr jkf'k

(vkSlr)

Hkkfjr jkf'k (vkSlr)

mPp xq.koÙkk dh rjy vkfLr (,pD;w,y,)

1- dqy mPp xq.koÙkk dh rjy vkfLr (,pD;w,y,) 13694.06 9852.23

udnh cká izokg

2-[kqnjk tek;sa rFkk y?kq O;olkf;d xzkgdksa dh tek;sa& ftlesa ls%&

67729.96 6406.45 60341.67 4804.24

(i) fLFkj tek;sa 7331.01 366.55 24598.60 1229.93

(ii) de fLFkj tek;sa 60398.95 6039.90 35743.07 3574.31

3- vlqjf{kr Fkksd iQafMax] ftlesa ls%& 19134.35 10508.25 21569.54 8552.44

(i) ifjpkyukRed tek;sa (lHkh lacaf/r i{kdkjksa ds) 0.00 0.00 1356.74 317.67

(ii) xSj ifjpkyukRed tek;sa (lHkh lacaf/r i{kdkjksa ds) 19134.35 10508.25 20212.81 8234.77

(iii) vlqjf{kr nsunkjh 0.00 0.00 0.00

4- lqfj{kr Fkksd iQafMax 0.00 2799.55

5- vfrfjDr vko';drk;sa ftlesa ls& 2577.86 1826.99 8679.56 2868.66

(i) O;qRiUu ,Dlikstj rFkk vU; laikf'oZd vko';drkvksa ls lacaf/r cká izokg

1786.27 1786.27 2416.74 2416.74

(ii) ½.k mRiknksa ds iQafMax esa gq, uqdlku ls lacaf/r cká izokg

0.00 0.00 0.00 0.00

(iii) lk[k ,oa rjyrk lqfo/k,a 791.59 40.72 6262.82 451.92

6- vU; vuqca/ ds foÙkh; nkf;Ro 2045.25 2045.25 533.33 533.33

7- vU; lekfJr foÙkh; nkf;Ro 8431.88 313.49 9185.85 459.29

8- dqy udn cká izokg 21100.43 20017.51

udn vUr%izokg

9- lqjf{kr m/kj (tSls fjolZ jsiks)

10- iw.kZr% fu"ikfnr ,Dlikstj ls vUr%izokg 2998.92 1684.76 6532.42 3266.21

11- vU; udn vUr%izokg 2079.23 1990.25 4405.95 4405.95

223

(ii) Total net cash out flow, which is mainly contributed by Unsecured Wholesale Funding consisting of Bulk Deposits from Non-financial Corporates and PSEs, Retail Deposits and deposits from small customers as well as Secured Funding by way of refinance from NABARD/ SIDBI/ NHB.

• Intra-period changes in LCR occurred mainly on account of excess CRR balance and unencumbered excess SLR balance.

• Level 1 Assets contributes almost 98% of HQLAs of the Bank.• Bank’s funding sources are well diversified, which are closely monitored on an ongoing basis.• Bank’s exposure in derivatives is very negligible.• Liquidity management function of the Bank is the responsibility of Treasury Department, Mumbai

and ALM Desk, Head Office, Jaipur, who reports to Asset Liability Management Committee (ALCO). (`in crore)

Statement on Liquidity Coverage Ratio (LCR)

Name of the Bank State Bank of Bikaner & Jaipur

Average of 3 months position for the quarter ended

31.03.2016 31.03.2015

Unweighted Amount (Average)

Weighted Amount (Average)

Unweighted Amount (Average)

Weighted Amount (Average)

High Quality Liquid Assets(HQLAs)

1 Total High Quality Liquid Assets (HQLA) 13694.06 9852.23

Cash Outflows

2 Retail deposits and deposits from small business customers, of which: 67729.96 6406.45 60341.67 4804.24

(i) stable Deposits 7331.01 366.55 24598.60 1229.93

(ii) less Stable Deposits 60398.95 6039.90 35743.07 3574.31

3 Unsecured wholesale funding, of which:

19134.35 10508.25 21569.54 8552.44

(i) Operational deposits (all counterparties)

0.00 0.00 1356.74 317.67

(ii) Non-operational deposits (all counterparties) 19134.35 10508.25 20212.81 8234.77

(iii) Unsecured debt 0.00 0.00 0.00

4 Secured wholesale funding 0.00 2799.55

5 Additional requirements, of which: 2577.86 1826.99 8679.56 2868.66

(i) Outflows related derivative exposures and other collateral requirements

1786.27 1786.27 2416.74 2416.74

(ii) Outflows related to loss of funding on debt products

0.00 0.00 0.00 0.00

(iii) Credit and liquidity facilities 791.59 40.72 6262.82 451.92

6 Other contractual funding obligations 2045.25 2045.25 533.33 533.33

7 Other contingent funding obligations 8431.88 313.49 9185.85 459.29

8 Total Cash Outflows 21100.43 20017.51

Cash inflows

9 Secured lending (e.g. reverse repos)

10 Inflows from fully performing exposures 2998.92 1684.76 6532.42 3266.21

11 Other Cash Inflows 2079.23 1990.25 4405.95 4405.95

224

12- dqy udn vUr%izokg 3675.01 7672.17dqy ,p-D;w-,y-,- 13694.06 9852.23dqy fuoy udn cká izokg 17425.42 12345.35rjyrk vkPNknu vuqikr (%) 78.59% 79.81%

31. vUrj & lewg ,Dlikstj ij izdVhdj.k(` djksM++ esa)

Ø-l- fooj.k pkyw o"kZ foxr o"kZ

(v) vUrj&lewg ,Dlikstj dh dqy jkf'k 6506.73 5177.95

(c) chl lcls cM+s vUrj lewg ,Dlikstj dh dqy jkf'k 6506.73 5177.95

(l) cSad ds ½f.k;ksa@xzkgdksa ds dqy ,Dlikstj esa vUrj&lewg ,Dlikstj dk izfr'kr 7.21% 5.46%

(n) vUrj&lewg ,Dlikstj dh lhekvksa ds mYya?ku rFkk ifj.kke Lo:i fu;ked dk;Zokgh] ;fn dksbZ gks] dk fooj.k

'kwU; 'kwU;

ys[kk ekudksa (,,l) ls lEcfU/r izdVhdj.k

32. ,,l&5 (vof/ ds fy, 'kq¼ ykHk vFkok gkfu] iwoZ vof/ enksa ,oa ys[kk uhfr;ksa esa ifjorZu) ,,l&5 ds rgr iwoZ vof/ vk;@O;; enksa gsrq dksbZ oLrqijd izdVhdj.k vko';d ugha gSA

33. ,,l&6 gkl dk ys[kkadu

(v) izR;sd Js.kh dh vkfLr ds fy, o"kZ ds nkSjku âkl dk fooj.k(` djksM++ esa)

vkfLr dh Js.kh pkyw o"kZ foxr o"kZifjlj 1.16 -16.57

vU; fLFkj vkfLr;ka 40.41 54.78

dEI;wVj ensa 49.83 -1.34

dEI;wVj lkWÝVos;j 5.06 0.60

;ksx 96.46 37.47

(c) vkfLr;ksa ds mi;ksx yk;d vof/ ds vk/kj ij ewY; ßkl dh ys[kkadu i¼fr esa cnyko fd;k x;k gS rnuqlkj fLFkj vkfLr;ksa ds ewY; ßkl dh nj rFkk x.kuk i¼fr esa cnyko gqvk gS rFkk ewY; ßkl dk izko/ku la'kksf/r vk/kj ij fd;k x;k gSA ewY; ßkl uhfr;ksa esa la'kks/u ds ifj.kke Lo:i ewY; ßkl dh jkf'k dk foLr`r fooj.k fuEu izdkj ls gS%&

(` djksM++ esa)

Ø-l- fooj.k jkf'k(v) foÙkh; o"kZ 2015&2016 ds fy, ubZ ewY; ßkl nj ij izHkkfor ewY; ßkl jkf'k 95.33

(c) ;fn ewY; ßkl nj esa cnyko ugha gksrs rks foÙk o"kZ 2015&16 esa ykHk gkfu [kkrs esa izHkkfjr gksus okyh ewY; ßkl dh jkf'k

108.57

(l) o"kZ ds fy, ykHk ij izHkko 13.04

34. ys[kk ekud&9 % jktLo vfHkKku ys[kk uhfr] ftldk vuqlj.k fd;k x;k gS] ds vuqlkj ftu vk;&O;; dh enksa dk ys[kkadu udn vk/kj ij fd;k x;k gS] Hkkjrh; fjT+koZ cSad ds fn'kk funsZ'kkas ds vuq:i oLrqijd ugha le>s x;s gSa] vr% izdVhdj.k dh vko';drk ugha gSA

35. ys[kk ekud 11&fons'kh fofue; njksa esa ifjorZu

fons'kh eqnzk fuf/ dk mrkj&p<+ko

225

12 Total Cash Inflows 3675.01 7672.17

Total HQLA 13694.06 9852.23

Total Net Cash Outflows 17425.42 12345.35

Liquidity Coverage Ratio (%) 78.59% 79.81%

31. Disclosure on Intra Group Exposure(`in crore)

S.N. Particulars Current Year Previous Year

(a) Total amount of Intra Group Exposures 6506.73 5177.95

(b) Total amount of top-20 Intra Group Exposure 6506.73 5177.95

(c) Percentage of intra-group exposure to total exposure of the Bank on borrowers/customers 7.21 % 5.46%

(d) Details of breach of limits on intra-group exposures and regulatory action thereon, if any NIL NIL

DISCLOSURES IN TERMS OF ACCOUNTING STANDARDS (AS)

32. AS – 5 (Net Profit or Loss for the period, prior period items and changes in accounting policies) There are no material prior period income/expenditure items require disclosure under AS-5.

33. AS-6 – Depreciation Accounting :(a) Breakup of total depreciation for the year for each class of assets.

(`in crore)

Class of assets Current Year Previous Year

Premises 1.16 -16.57

Other Fixed Assets 40.41 54.78

Computer Items 49.83 -1.34

Computer Software 5.06 0.60Total 96.46 37.47

(b) There is a change in useful life of certain assets and accordingly, the rates of depreciation has undergone a change on those fixed assets as per details given below. The detailed breakup in amount of depreciation due to above change is as under :-

(`in crore)

S.N. Particulars Amount

(a) Amount of depreciation charged as per new depreciation rates for FY 2015-16 95.33

(b) Amount of Depreciation that would have been charged to P&L account for FY 2015-16, had there been no change in the rates of depreciation

108.57

( c) Impact on profit for the year 13.04

34. AS – 9 – Revenue Recognition

In line with the Accounting Policy followed, items of income / expenditure accounted on cash basis are considered not material, in terms of RBI guidelines, hence do not require disclosure.

35. AS – 11 – Changes in foreign exchange rates : Movement of Foreign Currency Translation Reserve.

226

(` djksM++ esa)fooj.k jkf'k

1 vizsy 2015 dks 'ks"k 'kwU;

01-04-2015 ls 31-03-2016 ds nkSjku tek 'kwU;

01-04-2015 ls 31-03-2016 ds nkSjku vkgj.k 'kwU;

31-03-2016* dks 'ks"k 'kwU;

y vuqlwfp&11 ¶vU; lEifÙk¸ esa lEefyr ,oa izko/ku fd;k x;k gSA

36. ys[kk ekud 15&deZpkjh ykHk (la'kksf/r 2005) 1) fu/kZfjr ykHk isa'ku ;kstuk ,oa minku

(v) ys[kk ekud&15 ds vuqlkj ifjHkkf"kr ykHk isa'ku ;kstuk ,oa minku ;kstuk dh fLFkfr fuEu lkj.kh esa nh xbZ gS%&(` djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

isa'ku ;kstuk

miknku vU; ;kstuk

isa'ku ;kstuk

miknku vU; ;kstuk

fu/kZfjr ykHk nkf;Ro ds orZeku ewY; esa ifjorZu

1 vizSy dks fu/kZfjr nkf;Ro ykHk dk vkjafHkd 2661.64 447.52 0 2694.25 466.78 0

pkyw lsok ykxr 52.05 12.21 0 51.72 10.91 0

C;kt ykxr 214.53 36.07 0 221.20 38.32 0

iwoZ lsok ykxr (vfufgr ykHk) 0 0 0 0 0 0

thoukafdd gkfu;ka (ykHk) 202.08 74.71 0 -124.32 -15.61 0

vnk fd;s x;s ykHk -251.84 -59.90 0 -181.21 -52.88 0

31 ekpZ dks vafre fu/kZfjr ykHk nkf;Ro 2878.46 510.60 0 2661.64 447.52 0

;kstuk vkfLr;ksa esa ifjorZu

01 vizSy dks ;kstuk vkfLr;ksa dk izkjafHkd mfpr ewY;

2750.67 413.85 0 2360.83 390.71 0

;kstuk vkfLr;ksa dk vuqekfur izfriQy 213.46 33.59 0 200.52 31.60 0

fu;ksDrk }kjk ;ksxnku 78.70 75.92 0 347.66 40.99 0

vnk fd;s x;s ykHk -251.84 -59.90 0 -181.21 -52.88 0

thoukafdd ykHk (gkfu;ka) 21.18 32.75 0 22.87 3.43 0

31 ekpZ dks ;kstuk vkfLr;ksa dk vafre mfpr ewY; 2812.17 496.21 0 2750.67 413.85 0

227

(`in crore)

Particulars Amount

Balance as at 1st April, 2015 NIL

Credited during the period 01.04.2015-31.03.2016 NIL

Withdrawn during the period 01.04.2015-31.03.2016 NIL

Balance as at 31.03.2016* NIL

• Included under “Other Assets” – Schedule 11 and provided for.

36. AS – 15 Employee Benefits (Revised 2005) 1) Defined Benefit Pension Plan and Gratuity

a) The following table sets out the status of the defined benefit Pension Plan and Gratuity Plan as required under AS 15:

(`in crore)Particulars Current Year Previous Year

Pension Plans

Gratuity Any other plan

Pension Plans

Gratuity Any other plan

Change in the present value of the defined benefit obligations

Opening defined benefit obligation as at 1st April

2661.64 447.52 0 2694.25 466.78 0

Current Service Cost 52.05 12.21 0 51.72 10.91 0

Interest Cost 214.53 36.07 0 221.20 38.32 0

Past Service Cost (Vested Benefit) 0 0 0 0 0 0

Actuarial losses (gains) 202.08 74.71 0 -124.32 -15.61 0

Benefits paid -251.84 -59.90 0 -181.21 -52.88 0

Closing defined benefit obligation as at 31st March

2878.46 510.60 0 2661.64 447.52 0

Change in Plan Assets

Opening fair value of plan assets as at 1st April

2750.67 413.85 0 2360.83 390.71 0

Expected Return on Plan assets 213.46 33.59 0 200.52 31.60 0

Contributions by employer 78.70 75.92 0 347.66 40.99 0

Benefit Paid -251.84 -59.90 0 -181.21 -52.88 0

Actuarial Gains / (Losses) 21.18 32.75 0 22.87 3.43 0

Closing fair value of plan assets as at 31st March

2812.17 496.21 0 2750.67 413.85 0

228

nkf;R; ds orZeku ewY; ,oa ;kstuk vkfLr;ksa ds mfpr ewY; dk lek/ku

31-03-2016 dks fuf/d nkf;Ro dk orZeku ewY;

2878.46 510.60 0 -2661.64 -447.52 0

31-03-2016 dks ;kstuk vkfLr;ksa dk mfpr ewY;

2812.17 496.21 0 2750.61 413.85 0

deh@(vkf/D;) 66.29 14.39 0 89.03 -33.67 0

vfHkKkfur iwoZ lsok ykxr 0 0 0 0 0

,,l 15 ds iSjk 59 ch esa of.kZr vkfLr;ksa dh xSj vfHkKkfur jkf'k

'kq¼ nkf;Ro (vkfLr) 66.29 14.39 0 89.03 -33.67 0

;kstuk vkfLr;ksa ij vuqHko dk lek;kstu 0 0 0 22.87 3.43 0

;kstuk ns;rkvksaa ij vuqHko dk lek;kstu 0 0 0 -14.35 -21.09 0

ykHk ,oa gkfu [kkrs esa vfHkKkfur 'kq¼ ykxr

pkyw lsok ykxr 52.05 12.21 0 51.72 10.91 0

C;kt ykxr 214.53 36.07 0 221.20 38.32 0

;kstuk vkfLr;ksa esa vuqekfur izfriQy -213.46 -33.59 0 -200.52 -31.60 0

vfHkKkfur iwoZ lsok ykxr (fufgr ykHk)

vfHkKkfur iwoZ lsok ykxr (vfufgr ykHk) 0 0 0 46.89 30.00 0

o"kZ ds nkSjku vfHkKkfur 'kq¼ thoukafdd gkfu (ykHk)

180.90 41.96 0 -147.19 -19.04 0

pkyw o"kZ ds ykHk gkfu [kkrs dh vuqlwph 16 esa ^^deZpkfj;ksa dks Hkqxrku vkSj muds fy, izko/ku** esa lfEefyr fu/kZfjr ykHk ;kstukvksa dh dqy ykxr

234.02 56.64 0 -27.90 28.59 0

;kstuk vkfLr;ksa ij izR;kf'kr izR;k; vkSj okLrfod izR;k; dk lek/ku

;kstuk vkfLr;ksa ij izR;kf'kr izR;k; 213.46 33.59 0 200.52 31.60 0

;kstuk vkfLr;ksa ij thoukafdd ykHk@(gkfu) 21.18 32.75 0 22.87 3.43 0

;kstuk vkfLr;ksa ij okLrfod izR;k; 234.64 66.34 0 223.39 35.03 0

rqyui=k esa vfHkKkfur vkjafHkd ,oa vafre 'kq¼ nkf;Ro (vkfLr) dk lek/ku

01-04-2015 dks vkjafHkd 'kq¼ nkf;Ro -89.03 33.67 0 286.53 46.07 0

229

Reconciliation of present value of the obligation and fair value of the plan assets

Present Value of Funded obligation at 31.03.2016

2878.46 510.60 0 -2661.64 -447.52 0

Fair Value of Plan assets at 31.03.2016 2812.17 496.21 0 2750.67 413.85 0

Deficit/(Surplus) 66.29 14.39 0 89.03 -33.67 0

Unrecognised Past Service Cost 0 0 0 0

Amount not recognised as asset because of limit in paragraph 59 (b) of AS-15

Net Liability (Assets) 66.29 14.39 0 89.03 -33.67 0

Experience adjustment on plan assets 0 0 0 22.87 3.43 0

Experience adjustment on plan liabilities 0 0 0 -14.35 -21.09 0

Net Cost recognised in the profit and loss account

Current Service Cost 52.05 12.21 0 51.72 10.91 0

Interest Cost 214.53 36.07 0 221.20 38.32 0

Expected return on plan assets -213.46 -33.59 0 -200.52 -31.60 0

Past Service Cost (Vested Benefit) Recognised

Past Service Cost (Non Vested Benefit) Recognised

0 0 0 46.89 30.00 0

Net actuarial losses(Gain) recognized during the year

180.90 41.96 0 -147.19 -19.04 0

Total costs of defined benefit plans included in current year P&L under Sch 16 ‘Payments to and provisions for employees’

234.02 56.64 0 -27.90 28.59 0

Reconciliation of expected return and actual return on Plan Assets 27.17

Expected Return on Plan Assets 213.46 33.59 0 200.52 31.60 0

Acturial Gain/ (loss) on Plan Assets 21.18 32.75 0 22.87 3.43 0

Actual Return on Plan Assets 234.64 66.34 0 223.39 35.03 0

Reconciliation of opening and closing net liability (Asset) recognized in Balance Sheet

Opening Net Liability as at 1st April 2015 -89.03 33.67 0 286.53 46.07 0

230

ykHk ,oa gkfu [kkrs esa vfHkKkfur O;; 234.02 56.64 0 -27.90 28.59 0

fu;ksDrk }kjk ;ksxnku 78.70 75.92 0 -347.66 -40.99 0

31-03-2016 dks rqyu i=k esa vfHkKkfur 'kq¼ nkf;Ro@(vkfLr)

66.29 14.39 0 -89.03 33.67 0

vxys foÙkh; o"kZ gsrq izR;kf'kr ;ksxnku (2016&17)

85.00 82.00 0 59.61 48.57 0

31 ekpZ 2016 dks minku dks"k] isa'ku dks"k rFkk vU; ;kstukvksa esa fuos'k dk fooj.k` djksM++ esa

vkfLr;ksa dh Js.kh

isa'ku dks"k minku dks"k vU; ;kstuk,¡jkf'k fu;ksftr

vkfLr;ksa dk izfr'kr

jkf'k fu;ksftr vkfLr;ksa dk

izfr'kr

jkf'k fu;ksftr vkfLr;ksa dk

izfr'kr

dsUæh; ljdkj dh izfrHkwfr;k¡ 370.08 13.16 83.20 16.77 - -

jkT; ljdkj dh izfrHkwfr;k¡ 630.07 22.41 74.39 14.99 - -

lkoZtfud {ks=k bdkb;ksa ds ca/i=k 134.04 4.77 29.50 5.95 - -

vU; ca/i=k 13.75 0.49 10.00 2.02 - -

cSad dh fe;knh tek,¡ 936.04 33.29 119.72 24.13 - -

fo'ks"k tek,¡ 0 0.00 107.41 21.65 - -

cSad [kkrk 14.91 0.53 11.33 2.28 - -

chek ;kstuk,a 0 0.00 0.00 0.00 - -

vU; (mifpr C;kt@E;qP;qvy iaQM vkfn)

713.27 25.36 60.64 12.22 - -

dqy 2812.17 100.00 496.21 100.00 - -

mi;qZDr of.kZr esa ls LVsV cSad lewg esa fuos'k (LVsV cSad rFkk bldh lekuq"kaxh@lg m|e) ` djksM++ esa

vkfLr;ksa dh Js.kh isa'ku dks"k minku dks"k vU; ;kstuk,¡

jkf'k fu;ksftr vkfLr;kas dk

izfr'kr

jkf'k fu;ksftr vkfLr;kas dk

izfr'kr

jkf'k fu;ksftr vkfLr;kas dk

izfr'kr

ca/i=k 70.50 5.88 11.00 4.48 0 0

cSad tek,¡ 14.91 1.24 11.33 4.62 0 0

cSad dh LFkkbZ@fe;knh tek jlhns 936.04 78.12 119.72 48.8 0 0

chek izca/u ;kstuk,a 0 0.00 76.89 31.34 0 0

vU; (mifpr C;kt@E;qP;qvy iaQM vkfn)

176.79 14.75 26.37 10.75 0 0

dqy 1198.24 100.00 245.32 100.00 0 0

231

Expenses as recognized in profit and loss account

234.02 56.64 0 -27.90 28.59 0

Employers Contribution 78.70 75.92 0 -347.66 -40.99 0

Net liability/(Asset) recognized in Balance Sheet as at 31st March

66.29 14.39 0 -89.03 33.67 0

Expected contribution in the next financial year (i.e. 2016-17)

85.00 82.00 0 59.61 48.57 0

Particulars of Investments under Plan Assets of Gratuity and Pension Fund and any other Plan as on 31st March 2016

(`in crore)

Pension Fund Gratuty Fund Any other plan

Category of assets Amount % of Plan Assets Amount

% of Plan

AssetsAmount

% of Plan

Assets

Central Government Securities 370.08 13.16 83.20 16.77 - -

State Government Securities 630.07 22.41 74.39 14.99 - -

PSU Bonds 134.04 4.77 29.50 5.95 - -

Other Bonds 13.75 0.49 10.00 2.02 - -

FDR/TDR of Banks 936.04 33.29 119.72 24.13 - -

Special Deposits 0 0.00 107.41 21.65 - -

Bank A/C 14.91 0.53 11.33 2.28 - -

Insurer Managed Scheme 0 0.00 0.00 0.00 - -

Others (Intt accrued, Mutual Fund etc.) 713.27 25.36 60.64 12.22 - -

Total 2812.17 100.00 496.21 100.00 - -

Out of above following Investments are made in State Bank Group (State Bank and its Subsidiaries/ joint Ventures) (`in crore)

Pension Fund Gratuty Fund Any other plan

Category of assets Amount % of Plan Assets Amount % of Plan

Assets Amount% of Plan

Assets

Bonds 70.50 5.88 11.00 4.48 0 0

Bank Deposits 14.91 1.24 11.33 4.62 0 0

FDR/TDR of Banks 936.04 78.12 119.72 48.8 0 0

Insurer Managed Scheme 0 0.00 76.89 31.34 0 0

Others (Intt accrued, Mutual Fund etc.) 176.79 14.75 26.37 10.75 0 0

Total 1198.24 100.00 245.32 100.00 0 0

232

izeq[k thoukafdd vuqeku

fooj.kisa'ku ;kstuk (») minku ;kstuk (») vU; ;kstuk,¡

pkyw o"kZ fiNyk o"kZ pkyw o"kZ fiNyk o"kZ pkyw o"kZ fiNyk o"kZ

cV~Vk nj 8.06% 8.21% 8.06% 8.21% 0 0

;kstuk vkfLr;kas ij vuqekfur izfriQy nj 8.06% 8.21% 8.06% 8.21% 0 0

osru o`f¼ 5.00% 5.00% 5.0% 5.00% 0 0

{k; nj 8.06% 8.21% 8.06% 8.21% 0 0

fu/kZfjr va'knku ;kstuk ckcr ykHk&gkfu [kkrs esa vfHkKkfur O;; dk fooj.k ` djksM++ esa

fu/kZfjr va'knku ;kstuk dk uke o"kZ 2015&16 esa ykHkgkfu [kkrs esa ukes jkf'k

o"kZ 2014&15 esa ykHkgkfu [kkrs esa ukes jkf'k

izko/k;h fuf/ esa ;ksxnku 0.56 0.20

uohu ias'ku ;kstuk 13.44 9.51

vU; ;kstuk ;fn dksbZ gks rks 0 0

vU; nh?kZdkfyd deZpkjh ykHk

vodk'k udnhdj.k ds fy, eq[; thoukafdd iwokZuqeku

fooj.k pkyw o"kZ fiNyk o"kZ

cV~Vk nj 8.06% 8.21%

osru o`f¼ 5.00% 5.00%

{k; nj 2.00% 2.00%

` djksM++ esa

nh?kZdkfyd deZpkjh ykHk dk uke o"kZ 2015&16 esa ykHkgkfu [kkrs esa ukes jkf'k

o"kZ 2014&15 esa ykHkgkfu [kkrs esa ukes

jkf'k

lsokfuofÙk ds le; vodk'k udnhdj.k lfgr lkf/dkj vodk'k dk udnhdj.k

3.97 6.52

vodk'k fdjk;k@x`g fdjk;k fj;k;r (udnhdj.k@miHkksx) 1.63 0.50

jtr t;arh iqjLdkj 0.00 0.51

lsokfuo`fÙk ij iqul±LFkkiuk O;; 0.12 0.72

;ksx 5.72 8.25

233

Principal Actuarial Assumptions

Particulars Pension Fund (%) Gratuty Fund (%) Any other Plan (%)

Current Year Previous Year

Current Year

Previous Year

Current Year

Previous Year

Discount Rate 8.06% 8.21% 8.06% 8.21% 0 -

Expected Rate of Return on Plan assets 8.06% 8.21% 8.06% 8.21% 0 -

Salary escalation 5.00% 5.00% 5.00% 5.00% 0 -

Any other material assumption 8.06% 8.21% 8.06% 8.21% 0 -

Particulars about expense recognized in P&L Account in respect of Defined Contribution Plans (`in crore)

Name of the Defined Contribution Plan Amount debited to P&L in 2015-16

Amount debited to P&L in 2014-15

Contribution to Employees Provident Fund 0.56 0.20

New Pension Scheme (NPS) 13.44 9.51

Other plans (If any) 0 0

Other Long term Employee Benefits:

Principal Actuarial Assumptions for Leave Encashment

Particulars Current Year Previous Year

Discount Rate 8.06% 8.21%

Salary Escalation 5.00% 5.00%

Attrition Rate 2.00% 2.00%

(`in crore)

Name of the long term employee benefit Amount debited to P&L in 2015-16

Amount debited to P&L in 2014-15

Privilege Leave (Encashment) including leave encashment at the time of retirement

3.97 6.52

Leave Travel and Home Travel Concession (Encashment/Availment)

1.63 0.50

Silver Jubilee Award 0.00 0.51

Resettlement expenses on Superannuation 0.12 0.72

Total 5.72 8.25

234

nh?kZdkfyd deZpkjh ykHk vfHkKkfur ,oa izko/kfur nh?kZdkfyd deZpkjh ykHkksa dk fooj.k fuEufyf[kr gSa%&

` djksM++ esa

Ø-la- nh?kZdkfyd deZpkjh ykHkksa dk fooj.k 01-04-2015 dks vFk 'ks"k

pkyw o"kZ dh ns;rk;sa (2015&16)

31-03-2016 dk vafre 'ks"k

1. vodk'k udnhdj.k 191.00 3.97 194.97

2. vodk'k fdjk;k fj;k;r 23.17 1.63 24.80

3. jtr t;arh izko/ku 3.00 0.00 3.00

4. iquZLFkkiuk O;; 2.79 0.12 2.91

tksM+ 219.96 5.72 225.68

37. ys[kk ekud & 17 % [k.Mokj izfrosnu

Hkkjrh; fj”koZ cSad ds i=k la- chihchlh 81@21-04-018@2006&07 fnukad 18 vizSy] 2007 ds vuqlkj cSad us fuEufyf[kr [k.Mksa dh izkFkfed@O;olk; [k.M ds :i esa igpku dh gS

(v) dks"k ifjpkyu

(c) fuxfer Fkksd cSafdax

(l) [kqnjk cSafdax

(n) vU; cSafdx ifjpkyu

varj&[k.M vUrj.kksa dk ewY;u

fuxfer@Fkksd cSafdax ,oa [kqnjk cSafdax ifjpkyu lzksr tqVkus okyh izeq[k bdkbZ gSA dks"k [k.M dks vU; nks cSafdax [k.Mksa ls fuf/ ,sls ewY; ij feyrh gS] ftls vU; cSafdax ifjpkyu dh tekvksa dh ykxr ,oa fuf/ ,d=k djus ij gq, ifjpkyu O;; dks tksM+dj fudkyk tkrk gSA

vk; ,oa O;; rFkk vkfLr;ksa@nkf;Roksa dk vkoaVu

(v) [k.M fo'ks"k ls lh/s vk; ,oa O;;ksa ,oa vkfLr;ksa@nkf;Roksa dks lEcfU/r [k.M dks vkoafVr fd;k tkrk gSA

(c) [k.Mksa ls lh/s lacaf/r uk gksus okyh enksa dks [kqnjk ,oa Fkksd [k.M dks fd;s x;s O;olk;@deZpkfj;ksa dh la[;k ds ewY;kuqikr@ lh/s vk; ls lacaf/r ewY;kuqikr esa vkoafVr fd;k tkrk gSA

cSad ds ikl fuf'pr lkekU; lEifÙk;ka@nkf;Ro ,oa vk;@O;; gS ftUgsa fdlh fo'ks"k [k.M ls lacaf/r ugha fd;k tk ldrk gS vr% mUgsa xSj vkoafVr esa n'kkZ;k gSA

Hkkx d & O;olk; [k.M (` djksM++ esa)

fooj.k

O;olk; [k.MtksM+

dks"k fuxfer@Fkksd cSafdax [kqnjk cSafdax vU; cSafdx ifjpkyu

pkyw o"kZ foxr o"kZ pkyw o"kZ foxr o"kZ pkyw o"kZ foxr o"kZ pkyw o"kZ foxr o"kZ

pkyw o"kZ foxr o"kZ

jktLo 2222.48 2019.18 4695.74 5012.99 5719.00 4630.62 -- -- 12637.22 11662.79

?kVkb;s % xSj vkoafVr varj [kaM jktLo

1987.69 1730.95

ifjpkyu ls vk;

10649.53 9931.84

ifj.kke 11.25 -122.24 656.55 745.86 799.60 688.96 -- -- 1467.40 1312.58

235

Long term Employee Benefits: Details of long-term employee benefits (unfunded) that are recognised and provided are as under:-

(`in crore)

S.No Details of Long Term Employee Benefits

Opening Balance as on 01.04.2015

Current Year Liability(2015-16)

Closing Balance as on 31.03.2016

1 Leave Encashment 191.00 3.97 194.97

2 L F C 23.17 1.63 24.80

3 Silver Jubilee Provision 3.00 0.00 3.00

4. Resettlement Expenses 2.79 0.12 2.91Total 219.96 5.72 225.68

37. AS-17 : Segmental Reporting

In terms of RBI Cir. No. BP.BC.81/21.04.018/2006-07 dated 18th April 2007, the Bank has identified following segments as Primary / Business Segment:

(a) Treasury Operations (b) Corporate/Wholesale Banking (c) Retail Banking (d) Other Banking Operations

Pricing of Inter-segmental transfers:

The Corporate / wholesale Banking and Retail Banking Operations are the primary resource mobilizing unit. The treasury segment receives funds from the other two Banking Operations unit at a cost, which is computed on cost of deposits of Other Banking Operations plus operating expense incurred for mobilizing funds.

Allocation of Income and Expenses and Assets/Liabilities:

(a) Income and Expenses and Assets/Liabilities directly attributed to particular segment are allocated to the relative segment.

(b) Items that are not directly attributable to segments are allocated to retail and wholesale segments in proportion to the business managed / ratio of number of employees/ ratio of directly attributable income.

The bank has certain common assets /liabilities and income / expense that cannot be attributed to any particular segment and hence the same are treated as unallocated.

PART – A: BUSINESS SEGMENTS(`in crore)

Particulars BUSINESS SEGMENTS TOTAL

Treasury Corporate/ Wholesale Banking

Retail Banking

Other Banking Operations

Current Year Prev. Year Current

Year Prev. Year Current Year Prev. Year Current

YearPrev.Year Current Year Prev.

Year

Revenue 2222.48 2019.18 4695.74 5012.99 5719.00 4630.62 -- -- 12637.22 11662.79

Less Inter Segment Revenue (Unallocated)

1987.69 1730.95

Income from Operations 10649.53 9931.84

Result 11.25 -122.24 656.55 745.86 799.60 688.96 -- -- 1467.40 1312.58

236

xSj&vkoafVr O;;

171.87 177.50

lapkyu ykHk (dj iwoZ ykHk)

1295.53 1135.08

djk/ku gsrq izko/ku

444.93 358.21

vlk/kj.k ykHk@gkfu

-- --

fuoy ykHk 850.60 776.87

[k.M vkfLr;k¡

34479.26 29656.79 40017.68 39896.12 35314.33 32176.70 -- -- 109811.26 101729.61

xSj&vkoafVr vkfLr;k¡

525.01 571.93

dqy vkfLr;k¡

110336.27 102301.54

[k.M ns;rk,¡ 34499.17 30000.08 35771.17 35894.41 31342.54 28415.22 -- -- 101612.87 94309.71

xSj&vkoafVr ns;rk,¡

1980.60 1979.14

dqy ns;rk,a 103593.47 96288.85

Hkkx [k & HkkSxksfyd [k.MHkkjr esa leLr ifjpkyuksa dks ,d ,dy izfrosnuh; [k.M ekuk x;k gS ,oa blhfy, f}rh;d@ HkkSxksfyd [k.Mksa dks vko';d ugha le>k x;k gSA38 . ys[kk ekud & 18 & lacaf/r i{kdkj izdVhdj.k Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ekud&18 ds ^lEcfU/r i{kdkj izdVhdj.k* lEcU/h iSjk 9 ds vuqlkj] cSad ds jkT;

fu;fU=kr miØe gksus ds dkj.k vU; jkT; fu;fU=kr miØeksa ds lkFk lEcU/ksa ,oa laO;ogkjksa ds izdVhdj.k dh vko';drk ugha gSA rFkkfi] Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ekud&18 ds rgr izdVhdj.k ds mís'; ls fuEufyf[kr dks cSad }kjk lEcfU/r i{kdkj le>k x;k%

i) izcU/ funs'kd dks lfEefyr djrs gq, funs'kd eaMy ds lHkh iw.kZdkfyd funs'kd (ukekafdr funs'kd ds vykok)

Ø-l- uke ,oa in o"kZ ds nkSjku Hkqxrku fd;k x;k ikfjJfed

31-03-2016 dks cSad dks ns; jkf'k

1. Jh T;ksfr ?kks"kizcU/ funs'kd

osru ,oa HkÙks `34,38,143.32*

'kwU;

dk;Z fu"iknu lEc¼ izksRlkgu `6,39,469.00

2. Jh ch- JhjkeizcU/ funs'kd

dk;Z fu"iknu lEc¼ izksRlkgu `3,29,980.00

* cSad }kjk iznr ifjykHkksa ij dj dks lfEEkfyr djus ds i'pkr~A

ii) mDr en (i) esa lUnfHkZr lHkh funs'kdksa ds fj'rsnkj 'kwU;

iii) mDr en (i) esa lUnfHkZr funs'kdksa ds Lo;a ds LokfeRo ds miØeksa dh lwph 'kwU;blds vfrfjDr ys[kk ekud&18 ds iSjk 5 ds vuqlkj cSadj&xzkgd lEcU/h laO;ogkjksa dk izdVhdj.k vko';d ugha gSA mi;qZDr of.kZr lEcfUèkr i{kdjksa ds lkFk xSj&cSafdax ysunsu fuEukuqlkj gS%

237

Unallocated Expenses 171.87 177.50

Operating Profit (Profit before tax) 1295.53 1135.08

Provision for Taxes 444.93 358.21

Extra-ordinary profit/loss -- --

Net Profit 850.60 776.87

Segment Assets 34479.26 29656.79 40017.68 39896.12 35314.33 32176.70 -- -- 109811.26 101729.61

Unallocated Assets 525.01 571.93

Total Assets 110336.27 102301.54

Segment Liabilities 34499.17 30000.08 35771.17 35894.41 31342.54 28415.22 -- -- 101612.87 94309.71

Unallocated Liabilities 1980.60 1979.14

Total Liabilities 103593.47 96288.85

PART B: GEOGRAPHIC SEGMENT

The entire Indian Operations are being treated as a single reportable segment and hence secondary / geographic segment is not considered necessary.

38. AS-18 : Related party disclosures

As per para 9 of the Accounting Standard 18 issued by the ICAI on “Related party disclosures” the Bank, being a state controlled enterprise is not required to make disclosures of related party relationships with other state controlled enterprises and transactions with such enterprises. However, the Bank has considered the following as related parties for the purpose of disclosure under AS-18 issued by the ICAI:

i) All whole time Directors on the Board including Managing Director (excluding Nominee Director).

S. No. Name & designation Remuneration paid during the year Amounts due to the bank as at 31.03.2016

1. Shri Jyoti GhoshManaging Director

Salary & Allowances : `34,38,143.32*Performance Linked Incentives : `6,39,469.00 NIL

2. Shri B. SriramManaging Director Performance Linked Incentives : `3,29,980.00

* Includes tax on perquisites paid by the Bank.

ii) Relatives of the Directors referred to in item (i) above. : NIL

iii) List of enterprises owned by the Directors referred to in item (i) above. : NIL

Further in terms of the paragraph 5 of AS 18, transactions in the nature of banker-customer relationship are not required to be disclosed. The non-banking transactions with the aforesaid parties are, as under:

238

lEcfU/r i{k dk uke lEcfU/r i{k dk fooj.k ysunsu

dqN ugha dqN ugha dqN ugha

39. ys[kk ekud & 19 iV~Vk% dEiuh dh ifjpkfyr iV~Vksa ds laca/ esa daiuh dh egRoiw.kZ iV~Vk O;oLFkk;sa] tSls ifjpkyu bdkb;k¡] vfèkdkjh vkokl bR;kfn gSaA ;s iV~Vs

lkekU;r% ,d o"kZ ls vf/d vFkok vkSj yEch vof/ (vofèk ikj iV~Vk ds vykok) ds fy;s gksrs gSa tks fujLrhdj.k ;ksX; gksrs gSa ,oa lkekU;r% vkilh lgefr ;k ikjLifjd lgefr ;ksX; 'krksZ ij uohuhdj.k ;ksX; gksrs gSaA lexz iV~Vk fdjk;k ykHk gkfu [kkrs esa fdjk;k ds :i esa izHkkfjr fd;k x;k gSA

40. ys[kk ekud&20 % izfr 'ks;j vtZu

fooj.k pkyw o"kZ foxr o"kZ

ewy vtZu izfr 'ks;j (`. esa) 121.51 110.98

vofefJr vtZu izfr 'ks;j ( `. es) 121.51 110.98ewy vtZu izfr 'ks;j dh x.kuk

• lerk 'ks;j/kjdksa ds fy, miyC/ dj ds i'pkr~ 'kq¼ ykHk (`.yk[kksa esa) 85060 77687

• lerk 'ks;jksa dh Hkkfjr vkSlr la[;k 70000000 70000000

• ewy vtZu izfr 'ks;j (`. esa) 121.51 110.98

• vofefJr vtZu izfr 'ks;j (`. esa) 121.51 110.98

• izfr 'ks;j vafdr ewY; (`. esa) 10.00 10.00

41. ys[kk ekud 21 & lesfdr forh; fooj.k cSad dh dksbZ leuq"kaxh@lg;ksxh bdkbZ ugha gS vr% ;g lwpuk 'kwU; gSA42. ys[kk ekud 22 & vkLFkfxr dj ifjlaifŸk;ksa o nkf;Ÿoksa ds /kfjr ewY; o muls lacfU/r dj vk/kjksa ds chp vLFkk;h vkof/d vUrjksa ds mRiUu gksus ls Hkfo"; esa

dj ifj.kkeksa ds fy, cSad }kjk vkLFkfxr dj ifjlaifŸk;ksa o nkf;Roksa dh igpku dh tkrh gSA vkLFkfxr ifjlaifÙk dh igpku] izca/u ds fu.kZ;kuqlkj bl vk/kj ij dh tkrh gS fd Hkfo"; esa i;kZIr dj ;ksX; vk; miyC/ gksxh ftlls vkLFkfxr dj ifjlaifÙk dh mxkgh gks ldsxhA vkLFkfxr dj ifjlaifÙk;ksa o nkf;Roksa dh x.kuk rqyui=k dh frfFk rd vf/fu;fer dj dkuwuksa o dj njksa dks Ë;ku esa j[krs gq, iw.kZ foosd ls dh tkrh gSA

31-03-2016 dks vkLFkfxr dj vkfLr@nkf;Ro esa 'kkfey ?kVd fuEukuqlkj gS%(` djksM++ esaa)

fooj.k pkyw o"kZ foxr o"kZ

vkLFkfxr dj vkfLr

vU; izko/ku 16.08 10.89

lsok fuo`fÙk gsrq izko/ku 75.54 74.17

cdk;k osru gsrq izkoèkku 0.00 91.50

vU; deZpkjh ykHkksa gsrq izko/ku 6.54 5.94

ys[kk ekud & 15 (la'kksf/r 2005) dks ykxw djus ls mRi laØe.k dkyhu nkf;Roksa ls cuh vkLFkfxr dj vkfLr;ka

11.81 11.81

Mwcr ,oa lafnX/ ½.kksa ds fy, izko/ku 0.00 0.00

cksul izko/ku 0.58 0.00

239

NAME OF THE TRANSACTING RELATED PARTY

DESCRIPTION OF THE RELATED PARTY

TRANSACTIONS

NIL NIL NIL

39. AS-19: Leases:

The company's significant leasing arrangements are in respect of operating leases for premises like operational units, officers residences etc. These leases, which are not non-cancelable are generally for more than one year or for longer periods (except expired leases) and are usually renewable by mutual consent on mutually agreeable terms. The aggregate lease rentals payable are charged as “rent” to P&L accounts.

40. AS-20: Earnings per Share

Particulars Current Year Previous Year

Basic EPS (in `) 121.51 110.98

Diluted EPS (in `) 121.51 110.98Calculation of Basic EPS

y Net Profit after Tax available for Equity share holders (`in lacs) 85060 77687

y Weighted average number of equity shares 70000000 70000000

y Basic earnings per share (in ` ) 121.51 110.98

y Diluted earnings per share (in `) 121.51 110.98

y Nominal Value per share (in `) 10.00 10.00

41. AS-21: Consolidated Financial Statement Bank has no Subsidiary/Associates hence the information in this regard is ’NIL’.

42. AS-22: Deferred Taxes Deferred Tax Assets and Liabilities are recognised by considering the impact of timing differences between

taxable income and accounting income for the current year, and carry forward losses. Deferred Tax Assets and Liabilities are measured using tax rates and tax laws that have been enacted or substantively enacted at the balance sheet date.

The Components of deferred tax assets/liability as on 31.03.2016 are as under:(`in crore)

Particulars Current Year Previous Year

Deferred Tax Assets

Other Provisions 16.08 10.89

Provision for Retirement Benefits 75.54 74.17

Provision for Wage Arrear 0.00 91.50

Provision for other staff benefits 6.54 5.94

DTA created out of transitional liabilities arising due to implementation of AS-15 (Revised 2005) 11.81 11.81

Provision for Bad & Doubtful Debts 0.00 0.00

Provision for Bonus 0.58 0.00

240

foÙkh; o"kZ 2014&2015 ds eSV dk o"kZ ds nkSjku tek fy;k 62.37 0.00

;ksx 172.92 194.31

vkLFkfxr dj nkf;Ro

mifpr] ysfdu vns; C;kt 173.73 190.46

fLFkj vkfLr;ksa ij ewY;ßkl 15.30 15.84

vk;dj vfèkfu;e dh èkkjk 36 (1)(viii) ds vUrxZr fo'ks"k vkjf{kr fufèk 100.04 74.66

;ksx 289.07 280.96

fuoy vkLFkfxr dj nkf;Ro 116.15 86.65

43. ys[kk ekud & 23 % lesfdr foÙkh; fooj.kks esa leuq"kafx;ksa esa fuos'kks ds fy, ys[kkadu

cSad dh dksbZ leuq"kaxh@lg;ksxh bdkbZ ugha gS] vr% ;g lwpuk 'kwU; gSA

44. ys[kk ekud & 24 % ifjpkyu lekIr djuk

ifjpkyu dh lekfIr ds ifj.kke Lo:i cSad }kjk vkfLr;ksa dh olwyh rFkk ns;rkvksa esa dksbZ deh ugha gqbZ gS vFkok u gh fdlh ifjpkyu dks lekIr djus ds fu.kZ; ftlls mÙkQ izHkko gksxk] dks cSad }kjk vafre :i fn;k x;k gSA

45. ys[kk ekud & 26 % vewrZ vkfLr;k¡

lkWÝVos;j] tks gkMZos;j dk vfoHkkT; Hkkx ugha ¶LFkkbZ laifÙk¸ 'kh"kZd esa lfEefyr gS dks NksM+dj dksbZ vewrZ vkfLr ugha gSA ftldk fooj.k fuEukuqlkj gS%&

(jkf'k ` esa)

mi;ksxh thou 3 o"kZ

½.kifj'kks/ mi;ksx nj 33.33%

ifj'kks/u mi;ksx fof/ ljy js[kk fof/ (SLM)

izkjfEHkd 'ks"k 9849.00

vof/ ds izkjaHk esa ldy ogu jkf'k vkSj lafpr ifj'kks/u (vkSlr lafpr gkfu ds lkFk) 'kwU;

o"kZ ds nkSjku vfrfjDr 28285750.00

o"kZ ds nkSjku ßkl@ifj'kks/u (iwoZ vof/ ds lek;kstu lfgr) 18294722.84

lsok fuo`fr ,oa fuiVku 'kwU;

o"kZ ds var esa 'ks"k 10000876.16

o"kZ ds nkSjku vewrZ vkfLFk;ksa ds mi;ksxh thou esa ßkl@izfr'kks/u ds fy, ifjorZu fopkj.kh; gS] bl ifjorZu ifj.kke Lo:i ykHk esa `1]00]00]876-16 dh o`f¼ gqbZ gSA

46. ys[kk ekud & 28 % vkfLr;ksa esa {kj.k

izcaèku dh jk; esa o"kZ ds nkSjku fdlh ,slh vkfLr esa {kj.k ugha gqvk gS ftu ij ys[kkekud 28 ¶vkfLr;ksa esa {kj.k¸ ykxw gksrk gSA

47. ys[kk ekud &29 % izko/ku] vkdfLed ns;Rkk ,oa vkdfLed vkfLr;ksa dk fooj.k

241

MAT Credit F.Y.2014-15 taken during the year. 62.37 0.00

Total 172.92 194.31

Deferred Tax Liabilities

Interest accrued but not due 173.73 190.46

Depreciation on Fixed Assets 15.30 15.84

Special Reserve u/s 36(1)(viii) of IT Act. 100.04 74.66

Total 289.07 280.96

Net Deferred Tax Liability 116.15 86.65

43. AS-23 : Accounting for Investments in Associates in consolidated Financial Statements

Bank has no Subsidiary/Associates hence the information in this regard is ’NIL’.

44. AS-24: Discontinuing Operations

There has been no discontinuation of operations that has resulted in shedding of liability and realization of the assets by the Bank or decision to discontinue an operation, which will have the above effect, has been finalized by the Bank.

45. AS-26: Intangible Assets

There are no intangible assets except Software which does not form integral part of Hardware including under the head “Fixed Assets”. Details of the same are as under :-

(Amount in `)

The useful lives 3 Years

The amortization rates used 33.33%

The amortization methods used SLM

Opening Balance 9849.00

The gross carrying amount and the accumulated amortization (aggregated with accumulated impairment losses) at the beginning of the period

NIL

Additions during the year 28285750.00

Depreciation/Amortisation during the year(including earlier period adjustments) 18294722.84

Retirement and disposals NIL

Balance at the end of the year 10000876.16

There has been change in useful life for depreciation/amortization of intangible assets during the year under consideration, such change has resulted in increase of profit by Rs.1,00,00,876.16.

46. AS-28: Impairment of Assets

In the opinion of the management, there is no impairment to the Assets during the year to which Accounting Standard 28 – “Impairment of Assets” applies.

47. AS-29: Statement of Provisions, Contingent liability & Contingent Assets

242

(d) vkdfLed ns;rkvksa gsrq cuk, izko/ku dk lapyu (` djksM++ esa)

fooj.k pkyw o"kZ foxr o"kZ

vFk 'ks"k 51.45 25.46

o"kZ ds nkSjku izkoèkku 15.35 26.13

o"kZ ds nkSjku iz;qDr jkf'k 0.34 0.14

o"kZ ds nkSjku izfrykse 0.00 0.00

bfr 'ks"k 66.46 51.45

([k) vuqlwph 12 ds varxZr vkdfLed ns;rk,a,slh ns;rk,a U;k;ky; ds iQSlys@iapfu.kZ;@U;k;ky; ds ckgj le>kSrk] vihyksa ds fuLrkj.k] ek¡xh xbZ jkf'k] lafonkxr 'krks± dh ckè;rkvksa] lEcf/r i{kdkjksa }kjk dh xbZ ek¡x ,oa izxfr ij vk/kfjr gSA

48. 31 ekpZ] 2016 dks lekIr o"kZ ds fy, udnh izokg fooj.k(‘000 dks NksM+ fn;k x;k gS)

fooj.k pkyw o"kZ foxr o"kZ

d- ifjpkyu dk;Zdykiksa ls udnh izokg 22792141 17041763

[k- fuos'k dk;Zdykiksa ls udnh izokg (1023217) (1659893)

x- foÙkiks"k.k dk;Zdykiksa ls udnh izokg (2908856) (6080003)

udnh ,oa udnh lerqY; esa fuoy ifjorZu 18860068 9301867

?k- o"kZ ds vkjEHk esa udnh ,oa udnh lerqY; 79368559 70066692

M+- o"kZ dh lekfIr ij udnh ,oa udnh lerqY; (d$[k$x$?k)

98228627 79368559

d- ifjpkyu dk;Zdykiksa ls udnh izokg

dj iwoZ fuoy ykHk 12955300 11350855

lek;kstu %

ewY;ßkl izHkkj 964626 374663

lafnX/ ,oa Mwcr ½.kksa ds fy, izko/ku (pyu izko/ku lfgr)

9351809 7958196

ekud vkfLr;ksa ds fy, izko/ku (200000) 1578580

vkbZ-ih-Mh-vkbZ- rFkk xkS.k caèk i=kksa ij C;kt 1718650 1920150

243

a) Movement of provisions for liabilities(`in crore)

Particulars Current Year Previous Year

Opening Balance 51.45 25.46

Provided during the year 15.35 26.13

Amount used during the year 0.34 0.14

Reversed during the year 0.00 0.00

Closing Balance 66.46 51.45

b) Refer Schedule 12 on Contingent Liabilities

Such liabilities are dependent upon the outcome of Court/arbitration/out of Court settlement, disposal of appeals and the amount being called up, terms of contractual obligations, development and raising of demand by concerned parties.

48. Statement of cash flow for the year ended 31st March 2016

Current Year 31.03.2016 Previous Year 31.03.2015

A. CASH FLOW FROM OPERATING ACTIVITIES 22792141 17041763

B. CASH FLOW FROM INVESTING ACTIVITIES (1023217) (1659893)

C. CASH FLOW FROM FINANCING ACTIVITIES (2908856) (6080003)

NET CHANGE IN CASH AND CASH EQUIVALENTS 18860068 9301867

D. CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR

79368559 70066692

E. CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR(A+B+C+D)

98228627 79368559

A. CASH FLOW FROM OPERATING ACTIVITIES

Net Profit before taxes 12955300 11350855

Adjustment for :

Depreciation Charges 964626 374663

Provision for Bad & Doubtful Debts including Floating 9351809 7958196

Provision for Standard Assets (200000) 1578580

244

fuos'kksa ij ewY;ßkl@ifj'kks/u 268652 (115413)

vodk'k udnhdj.k ds fy, izko/ku 39700 65200

cksul o vU; deZpkjh ykHkksa ds fy, izko/ku 2180200 (1549175)

osru cdk;k dk izko/ku@izfrys[ku (473374) 1137000

vU; izko/ku 674579 268909

27480142 22988965

?kVk;k&izR;{k dj 3510000 3473000

mi&;ksx 23970142 19515965

lek;kstu %

tek jkf'k;ksa esa o`f¼@ (deh) 97655728 103645463

m/kj jkf'k;ksa esa o`f¼@ (deh) (26850356) 11670315

fuos'kksa esa (o`f¼)@ deh (26706165)(47035992)

vfxzeksa esa (o`f¼)@ deh (43142217) (61721496)

vU; nkf;Roksa esa o`f¼@ (deh) (4444285) (6288613)

vU; lEifr;ksa esa (o`f¼)@ deh 2309294 (2743879)

ifjpkyu dk;Zdykiksa }kjk iznÙk fuoy udnh 22792141 17041763

[k- fuos'k dk;Zdykiksa ls udnh izokg

fLFkj vkfLr;ksa esa (o`f¼)@ deh (1023217) (1659893)

fuos'k dk;Zdykiksa ls fuoy udnh (1023217) (1659893)

x- foÙkiks"k.k dk;Zdykiksa ls udnh izokg

lanÙk ykHkka'k (1190206) (1159853)

xkS.k ca/i=kksa ij C;kt (1718650) (1920150)

xkS.k ca/i=kksa dk fuoy fuxZe@(ifj'kks/u) 0 (3000000)

foÙkiks"k.k dk;Zdykiksa }kjk iznÙk fuoy udnh (2908856) (6080003)

?k- o"kZ ds vkjEHk esa udnh ,oa udnh lerqY;

gkFk udnh (fons'kh djsalh uksV rFkk Lo.kZ lfgr) 5580453 4327704

Hkkjrh; fj”koZ cSad eas 'ks"k 72291536 63136290

245

Interest on IPDI & Subordinate Bonds 1718650 1920150

Depreciation for Investments 268652 (115413)

Provision for Leave Encashment 39700 65200

Provision for bonus and Other staff benefits 2180200 (1549175)

Provision for wage arrears/Written back (473374) 1137000

Other Provisions 674579 268909

27480142 22988965

Less:Direct Taxes 3510000 3473000

SUB- TOTAL 23970142 19515965

ADJUSTMENT FOR :

Increase/( Decrease) in Deposits 97655728 103645463

Increase/( Decrease) in Borrowings (26850356) 11670315

(Increase)/Decrease in Investments (26706165) (47035992)

(Increase)/Decrease in Advances (43142217) (61721496)

Increase/( Decrease) in Other Liabilities (4444285) (6288613)

(Increase)/Decrease in Other Assets 2309294 (2743879)

NET CASH PROVIDED BY OPERATING ACTIVITIES

22792141 17041763

B. CASH FLOW FROM INVESTING ACTIVITIES

(Increase)/Decrease in Fixed Assets (1023217) (1659893)

NET CASH FROM INVESTING ACTIVITIES (1023217) (1659893)

C. CASH FLOW FROM FINANCING ACTIVITIES

Dividend Paid (1190206) (1159853)

Interest on Subordinate Bonds (1718650) (1920150)

Net Issue / Redemption of Subordinated Bonds

0 (3000000)

NET CASH FROM FINANCING ACTIVITIES (2908856) (6080003)

D. CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR

Cash in hand (including foreign currency notes and gold)

5580453 4327704

Balances with Reserve Bank of India 72291536 63136290

246

cSadksa esa 'ks"k rFkk ekax ij ,oa vYi lwpuk ij izkI; /u

1496570 79368559 2602698 70066692

M- o"kZ ds var esa udnh ,oa udnh lerqY;

gkFk udnh (fons'kh djsalh uksV rFkk Lo.kZ lfgr) 5025530 5580453

Hkkjrh; fj”koZZ cSad esa 'ks"k 92126339 72291536

cSadksa esa 'ks"k rFkk ekax ij ,oa vYi lwpuk ij izkI; /u

1076758 98228627 1496570 79368559

49. foxr o"kZ ds vkadM+ksa dks pkyw o"kZ ds vkadM+ksa ds lkFk rqyuh; cukus ds fy,] tgka Hkh vko';d gS] iqulZewfgr ,oa iquoZxhÑr fd;k x;k gSA

T;ksfr ?kks"kizcU/ funs'kd

v#Uèkfr HkV~Vkpk;Zvè;{k

oh- Jhfuoklueq[; egkizcU/d

(okf.kfT;d cSafdx)

,l- oSadVjkeueq[; egkizcU/d([kqnjk cSafdax)

,l- ds- fcM+ykmi egkizcU/d(foÙk ,oa ys[kk)

jes'k pUnz [kqYcSegkizcU/d

(dks"k] foÙk ,oa ys[kk),oa eq[; foÙkh; vf/dkjh

okLrs dkykuh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 000722 lh(lh, fodkl xqIrk)

(l-l- 077076) lk>snkj

okLrss ds-ds- lksuh ,.M da- lunh ys[kkdkj

iQeZ iatdj.k la[;k 000947 ,u(lh, lUr lqtkr lksuh)

(l-l- 094227) lk>snkj

okLrs egs'k lh lksyadh ,.M da- lunh ys[kkdkj

iQeZ iathdj.k la[;k 006228 lh(lh, egs'k lksyadh)

(l-l- 074991) lk>snkj

okLrs vkj-,l-ih-,p- ,.M ,lksfl,Vl lunh ys[kkdkj

iQeZ iathdj.k la[;k 003013 ,u(lh, jkt dqekj c=kk)

(l-l- 006458) lk>snkj

blh fnukad dh gekjh vyx fjiksVZ ds vuqlkj

funs'kd

oh-th- dUuu

jfo uUnu lgk;

xqykc flag

fgedj jkepUnz JhokLro

jru dqekj :axVk

oh-ds- eksaxk

ekyfodk flUgk

Hkkjr jru

v#.k dwyoky

eqEcbZ29-04-2016

247

Balances with Banks and Money at Call and Short Notice

1496570 79368559 2602698 70066692

E. CASH AND CASH EQUIVALENT AT THE END OF THE YEAR

Cash in hand (including foreign currency notes and gold) 5025530 5580453

Balances with Reserve Bank of India 92126339 72291536

Balances with Banks and Money at Call and Short Notice 1076758 98228627 1496570 79368559

49. Previous year's figures have been regrouped and reclassified wherever necessary to make these comparable with the current year's figures.

JYOTI GHOSHMANAGING DIRECTOR

ARUNDHATI BHATTACHARYACHAIRMAN

V. SRINIVASANCHIEF GENERAL MANAGER

(COMMERCIAL BANKING)

S. VENKATARAMANCHIEF GENERAL MANAGER

(RETAIL BANKING)

S.K. BIRLADY. GENERAL MANAGER (FINANCE & ACCOUNTS)

RAMESH CHANDRA KHULBEGENERAL MANAGER

(TREASURY, F&A) & CFO

V.G. KANNAN

RAVI NANDAN SAHAY

GULAB SINGH

V.K. MONGA

MALVIKA SINHA

BHARAT RATTAN

ARUN KOOLWAL

HIMKAR RAMCHANDRA SRIVASTAVA

RATAN KUMAR ROONGTA

DIRECTORS

Mumbai29-04-2016

As per our seperate report of even date

For Kalani & Co.Chartered Accountants

FR NO. 000722C

(CA Vikas Gupta)(M.No. 077076 )

Partner

For K K Soni & Co. Chartered Accountants

FR NO.000947N

(CA Sant Sujat Soni)(M.No.094227)

Partner

For Mahesh C Solanki & Co.Chartered Accountants

FR NO.006228C

(CA Mahesh Solanki)(M.No.074991)

Partner

For R S P H & AssociatesChartered Accountants

FR NO.003013N

(CA Raj Kumar Batra)(M.No.006458)

Partner