Abridged Annual Report 2016-17 - Bank Of Maharashtra

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Jeeef<e&keÀ efjHeesì& 2016-17

¬eÀ. efJe<e³e met®eer Contents He=þ ke´À.No. Page No.

1. efveosMekeÀ ceb[ue Board of Directors 2

2. ceneheýebOekeÀieCe General Managers 3

3. heýebOe efveosMekeÀ SJeb meerF&Dees keÀe keÀLeve Statement of Managing Director & CEO 4

4. heíeefle SkeÀ ve]pej ceW Progress at a glance 7

5. efveosMekeÀeW keÀer efjheesì& Directors’ Report 8

- heýebOeve ®e®ee& Deewj efJeMues<eCe - Management Discussion and Analysis 8

- Je<e& 2016-17 keÀe keÀe³e& efve<heeove - Performance in 2016-17 8

- yeQkeÀ keÀer cenlJehetCe& ³eespeveeSb / heefj³eespeveeSb - Important Schemes/Projects of the Bank 20

- efveieefcele meeceeefpekeÀ oeef³elJe - Corporate Social Responsibility 22

- DeieĆeer yeQkeÀ ³eespevee - Lead Bank Scheme 23

- mene³ekeÀ kebÀheefve³eeb/meb³egÊeÀ GÐece Deewj heé³eesefpele mebmLeeSb - Subsidiaries/Joint Ventures and Sponsored Institutions 24

- jepeYee<ee veerefle keÀe keÀe³ee&vJe³eve - ImplementationofOfficialLanguagePolicy 26

- efveosMekeÀeW keÀer efpeccesoejer keÀe keÀLeve - Directors’ Responsibility Statement 27

- efveosMekeÀ ceb[ue ceW heefjJele&ve - Changes in the Board of Directors 27

- J³eJemee³e GÊejoeef³elJe efjHeesì& - Business Responsibility Report 28

- DeeYeej - Acknowledgements 28

6. keÀeheexjsì ieJeveXme efjheesì& Corporate Governance Report 29

7. mebef#eHle leguevehe$e Abridged Balance Sheet 54

8. mebef#eHle ueeYe Je neefve uesKee AbridgedProfit&LossAccount 55

9. cenlJehetCe& uesKee veerefle³eeb SignificantAccountingPolicies 56

10. KeeleeW hej efìhheefCe³eeb Notes on Accounts 62

11. vekeÀoer he´Jeen keÀe efJeJejCe Cash Flow Statement 93

12. uesKee hejer#ekeÀeW keÀer efjheesì& Auditors’ Report 95

13. mebef#eHle mecesefkeÀle efJeÊeer³e efJeJejCe Abridged Consolidated Financial Statements 97

Deveg¬eÀceefCekeÀe INDEX

meebefJeefOekeÀ uesKee hejer#ekeÀ STATUTORY AUDITORS

14 ¨¸ì ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ˆÅ¸ ›¸¸½¢’¬¸ ¬¸¿¥¸Š›¸NOTICE FOR 14TH ANNUAL GENERAL MEETING ENCLOSED

ke=Àles heejKe Sb[ kebÀheveer meveoer uesKeekeÀej

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for Parakh & Co. Chartered Accountants

Jaipur

ˆ¼Å÷¸½ ‡.‚¸£. ¬¸º¥¸¸‰¸½ ‡¿” ˆ¿Åœ¸›¸úmeveoer uesKeekeÀej

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for A.R. Sulakhe & Co. Chartered Accountants

Pune

ˆ¼Å÷¸½ ˆÅ¸½“¸£ú ‡¿” ˆ¿Åœ¸›¸ú¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£

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for KOTHARI & Co.Chartered Accountants

Kolkata

ˆ¼Å÷¸½ ¬¸ú‡Ÿ¸‚¸£‡¬¸ ‡¿” ‡¬¸¸½¢¬¸‡’Ã¬¸, ‡¥¸‡¥¸œ¸ú

¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£hegCes

for CMRS & Associates, LLPChartered Accountants

Pune

(œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ : `¥¸¸½ˆÅŸ¸¿Š¸¥¸', 1501, ¢©¸¨¸¸]¸ú›¸Š¸£, œ¸ºµ¸½ 411 005)(Head Office: 'Lokmangal', 1501, Shivajinagar, Pune - 411 005)

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Annual Report 2016-17

efveosMekeÀ ceb[ue / BOARD OF DIRECTORS31-03-2017 keÀer efmLeefle kesÀ Devegmeej / As on 31-03-2017

Shri R. P. Marathe Managing Director & CEO

Shri A. C. RoutExecutive Director

Shri R. K. GuptaExecutive Director

ªú ‚÷¸ú©¸ ¢¬¸¿íShri Ateesh Singh

ªú ‚¸£. ÷¸¸Ÿ¸¸½š¸£µ¸Shri R. Thamodharan

”¸Á. ‚\¸Ä›¸¸ ‚¸£. š¸¸½¥¸¢ˆÅ¡¸¸Dr. Archana R. Dholakia

ªú ™ú›¸™¡¸¸¥¸ ‚ŠÏ¨¸¸¥¸Shri Deendayal Agrawal

ªú ]¸ú. ªúˆºÅŸ¸¸£Shri G. Sreekumar

ªú œÏ½Ÿ¸\¸›Í ‡. ¬¸½“úShri Premchandra A. Sethi

ªú ‚¸£. œ¸ú. Ÿ¸£¸“½œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½

ªú ‡. ¬¸ú. £¸„÷¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ

ªú ‚¸£. ˆ½Å. Š¸ºœ÷¸¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ

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cenehe´yebOekeÀieCe / GENERAL MANAGERS31-03-2017 keÀer efmLeefle kesÀ Devegmeej / As on 31-03-2017

ªú ›¸¿™ˆºÅŸ¸¸£ ¨¸ú. œ¸º]¸¸£úShri Nandkumar V. Pujari

ªú ‚¸£. ˆ½Å. œ¸¸µ”½¡¸ (Ÿ¸º‰¡¸ ¬¸÷¸ˆÅÄ÷¸¸ ‚¢š¸ˆÅ¸£ú) Shri R. K. Pandey (C.V.O.)

ªú ›¸£½›Í ˆÅ¸¤¸£¸Shri Narender Kabra

ªú ‡Ÿ¸. ¬¸ú. ˆºÅ¥¸ˆÅµ¸úÄShri M. C. Kulkarni

ªú Ÿ¸›¸¸½]¸ ¢¤¸¬¨¸¸§Shri Manoj Biswal

ªú ‚¸£. ‡\¸. ûÅ”µ¸ú¬¸Shri R. H. Phadnis

ªú ¬¸ú. ˆ½Å. ¨¸Ÿ¸¸ÄShri C. K. Verma

ªú ‡¬¸. ]¸ú. ¢\¸÷¸§½Shri S. G. Chitale

ªú ’ú. ¨¸ú. £Ÿ¸µ¸ Ÿ¸»÷¸úÄShri T. V. Raman Murthy

ªú £¸]¸¢ˆÅ£µ¸ ž¸¸½ƒÄ£Shri Rajkiran Bhoir

ªú œ¸ú. ‡›¸. ™½©¸œ¸¸¿”½Shri P. N. Deshpande

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Dear Shareholders,

I extend a very warm welcome to each one of you to the 14th Annual General Meeting of your Bank. During past couple of years banking industry is passing through turbulence, rise in NPAs and consequent adverse impact affecting many public sector banks. I have taken over as Managing Director & CEO of your Bank on 26th September, 2016. I thank the Government of India for entrusting me with the responsibility to lead this esteemed Bank, in such challenging times. I am committed to lead this 82 year old institution and take it to greater heights and increase the stakeholders’ value.

Despite the continued sluggishness in the global markets till recently, the domestic front continued to book gains on its robust macroeconomic fundamentals.Reignedininflation,controlledfiscaldeficitandcurrentaccountdeficitdespite the temporarycurrencysqueezeonaccountofdemonetization,hasmadetheIndiangrowthstorymoreappealing.

The GVA growth forecast for 2017-18 has been put at 7.4%, indicating that the economy will gather faster pace with remonetisation, backed by a slew of measures announced during Union Budget and rolling out of structural reforms as GST. Make in India, Start-up India, liberalised FDI policy and infra backing will give the Indian economy a further boost. The decision of the Central bank to allow banks to invest in REITs and InVITs is encouraging and would offer a good source of liquidity for the Real Estate/ Infrastructure Companies. The credit growth which was at its lowest in the past 61 years is expected to improve based on increased domestic demand.

ªú ‚¸£. œ¸ú. Ÿ¸£¸“½œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½

Shri R. P. MaratheManaging Director & CEO

œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ˆÅ¸ ˆÅ˜¸›¸ STATEMENT OF MANAGING DIRECTOR & CEO

¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê,

Ÿ¸ÿ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅú 14¨¸ú¿ ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ Ÿ¸Ê ‚¸œ¸ ¬¸ž¸ú ˆÅ¸ í¸¢™ÄˆÅ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸¸ í»¿— ¢œ¸Ž¥¸½ ™¸½ ¨¸«¸¸½ô ˆ½Å ™¸¾£¸›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ ˆÅ¢“›¸¸ƒ¡¸¸Ê ¬¸½ Š¸º]¸£ £í¸ í¾ ‚¸¾£ ‡›¸œ¸ú‡ Ÿ¸Ê ¤¸[õ¸½î¸£ú ÷¸˜¸¸ ƒ¬¸ˆ½Å œÏ¢÷¸ˆ»Å¥¸ œÏž¸¸¨¸ ¬¸£ˆÅ¸£ú ®¸½°¸ ˆ½Å ¤¸íº÷¸ ¬¸½ ¤¸ÿˆÅ¸Ê ˆÅ¸½ œÏž¸¸¢¨¸÷¸ ˆÅ£ £í½ íÿ— Ÿ¸ÿ›¸½ 26 ¢¬¸÷¸¿¤¸£, 2016 ˆÅ¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ˆ½Å ³Åœ¸ Ÿ¸Ê ˆÅ¸¡¸ÄŠÏíµ¸ ¢ˆÅ¡¸¸ í¾— ‡½¬¸½ \¸º›¸¸¾÷¸úœ¸»µ¸Ä ¬¸Ÿ¸¡¸ Ÿ¸Ê ƒ¬¸ œÏ¢÷¸¦«“÷¸ ¤¸ÿˆÅ ˆÅ¸ ›¸½÷¸¼÷¨¸ ˆÅ£›¸½ ˆÅú ¢]¸ŸŸ¸½™¸£ú Ÿ¸º^¸½ ¬¸¸ÿœ¸›¸½ ˆ½Å ¢¥¸‡ Ÿ¸ÿ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸ ‚¸ž¸¸£ú í»¿— Ÿ¸ÿ ƒ¬¸ 82 ¨¸«¸Ä œ¸º£¸›¸½ Š¸¸¾£¨¸œ¸»µ¸Ä ¬¸¿¬˜¸¸›¸ ˆÅ¸ ›¸½÷¸¼÷¨¸ ˆÅ£›¸½ ‚¸¾£ ƒ¬¸½ ›¸ƒÄ …¿\¸¸ƒ¡¸¸Ê ÷¸ˆÅ œ¸íº¿\¸¸›¸½ ˆ½Å ¢¥¸‡ ÷¸˜¸¸ ¢í÷¸š¸¸£ˆÅ¸Ê ˆ½Å Ÿ¸»¥¡¸ ¬¸¿¨¸š¸Ä›¸ ˆ½Å ¢¥¸‡ œÏ¢÷¸¤¸Ö í»¿—

‚¤¸ ÷¸ˆÅ ¨¸¾¢æ¸ˆÅ ¤¸¸]¸¸£¸Ê Ÿ¸Ê ¬¸÷¸÷¸ Ÿ¸¿™ú ˆ½Å ¤¸¸¨¸]¸»™ ‹¸£½¥¸» ®¸½°¸ ‚œ¸›¸½ ¬¸º´[õ ¨¡¸¸œ¸ˆÅ ‚¸¢˜¸ÄˆÅ ¢¬¸Ö¸¿÷¸¸Ê œ¸£ ¥¸¸ž¸ ‚¢]¸Ä÷¸ ˆÅ£÷¸¸ £í¸ í¾— ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ ˆ½Å ˆÅ¸£µ¸ ‚¬˜¸¸¡¸ú Ÿ¸ºÍ¸ ™¤¸¸¨¸ ˆ½Å ¤¸¸¨¸]¸»™ Ÿ¸ºÍ¸¬ûÅú¢÷¸, ¢›¸¡¸¿¢°¸÷¸ £¸]¸ˆÅ¸½«¸ú¡¸ ‹¸¸’¸ ‚¸¾£ \¸¸¥¸» ‰¸¸÷¸¸ ‹¸¸’¸ ˆ½Å ™¸¾£ Ÿ¸Ê ž¸¸£÷¸ú¡¸ ¨¸¼¢Ö ˆÅú ¤¸¸÷¸ š¡¸¸›¸ ™½›¸½ ¡¸¸½Š¡¸ £íú í¾—

¨¸«¸Ä 2017-18 í½÷¸º ]¸ú¨¸ú‡ ¨¸¼¢Ö ˆÅú 7.4% ˆÅú ž¸¢¨¸«¡¸¨¸¸µ¸ú ¡¸í ¬¸¿ˆ½Å÷¸ ™½÷¸ú í¾ ¢ˆÅ ]¸ú‡¬¸’ú ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¸¿£\¸›¸¸÷Ÿ¸ˆÅ ¬¸ºš¸¸£ ‚¸¾£ ˆ½Å›Íú¡¸ ¤¸]¸’ ˆ½Å ™¸¾£¸›¸ ‹¸¸½¢«¸÷¸ „œ¸¸¡¸¸Ê ×¸£¸ ¬¸Ÿ¸¢˜¸Ä÷¸ œ¸º›¸Ÿ¸ºÄÍúˆÅ£µ¸ ˆ½Å ¬¸¸˜¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ÷¸½]¸ Š¸¢÷¸ œÏ¸œ÷¸ ˆÅ£½Š¸ú— Ÿ¸½ˆÅ ƒ›¸ ƒ¿¢”¡¸¸, ¬’¸’Ä ‚œ¸ ƒ¿¢”¡¸¸, „™¸£úˆ¼Å÷¸ ‡ûÅ”ú‚¸ƒÄ ›¸ú¢÷¸ ‚¸¾£ ƒ›üÅ¸-¤¸¾¢ˆ¿ÅŠ¸ ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆÅ¸½ ‚¸¾£ Š¸¢÷¸ ™½Š¸ú— ¤¸ÿˆÅ¸Ê ˆÅ¸½ ‚¸£ƒÄ‚¸ƒÄ’ú (REITs) ‚¸¾£ ‚¸ƒÄ‡›¸¨¸ú‚¸ƒÄ’ú (InvITs) Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅú ‚›¸ºŸ¸¢÷¸ ™½›¸½ ˆÅ¸ ˆ½Å›Íú¡¸ ¤¸ÿˆÅ ˆÅ¸ ¢›¸µ¸Ä¡¸ „÷¬¸¸í¨¸š¸ÄˆÅ £í¸ í¾ ‚¸¾£ ¡¸í ¢£¡¸¥¸ ƒ¬’½’/ ƒ›üÅ¸¬’ïÆ\¸£ ¿Åœ¸¢›¸¡¸¸Ê í½÷¸º ÷¸£¥¸÷¸¸ Å¸ ¤¸½í÷¸£ Ÿ¸¸š¡¸Ÿ¸ í¸½ ¬¸ˆ½ÅŠ¸¸— †µ¸ ˆÅú ¨¸¼¢Ö, ]¸¸½ ¢ˆÅ ¢œ¸Ž¥¸½ 61 ¨¸«¸¸½ô Ÿ¸Ê ›¡¸»›¸÷¸Ÿ¸ £íú, ‚¤¸ ¨¸¼¢Ö©¸ú¥¸ ‹¸£½¥¸» Ÿ¸¸¿Š¸ ˆ½Å ‚¸š¸¸£ œ¸£ ƒ¬¸Ÿ¸Ê ¬¸ºš¸¸£ ‚œ¸½¢®¸÷¸ í¾—

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Let me now place before you some of the key features about your Bank’s performance for the year ended 31st March 2017.

Performance of your Bank during 2016-17.

Your Bank has a branch network of 1897 branches of which 55% branches are in rural and semi urban area. Bank has presence in 30 states and 4 union territories. Bank has also ATM network of 1878, for providing services to customers. Bank has committed and dedicated work force with an average age of about 42 years and 37% staff having age less than 35 years.

The year 2016-17 has been a year of consolidation. In keeping with low creditofftake,Bankreduceditsbulkdepositliabilitiesandcertificateof deposits. As a result, the share of CASA deposits increased from 36.67% as on 31.03.2016 to 44.89% as on 31.03.2017. Another focus was NPA recovery. The total reduction in NPAs by way of recovery, upgradation and write off increased from Rs.1740 crore in 2015-16 to Rs.2316 crore in 2016-17. Your Bank maintained the capital adequacy ratios of CET 1 Capital, Tier I Capital and total CRAR. Other highlights of performance are as under:

Total business stood at Rs.2,40,590 crore as on 31.03.2017.

As on 31.03.2017, total deposits stood at Rs.1,39,053 crore & Gross advances stood at Rs.1,01,537 crore.

CASA deposits increased by 22.47% (Rs.11,452 crore) Y-o-Y, to Rs.62,419 crore as on March 31, 2017.

Retail advances has grown by 25.65% Y-o-Y and stood at Rs.15,792 crore as on 31.03.2017.

Cost of deposits has come down to 6.05% for period ended 31st March 2017 from 6.75% a year ago. Cost of deposits in Q4 was 5.75%, showing a reduction of 84 bps Y-o-Y.

Non-Interest income increased by 47.95% Y-o-Y to Rs.1,508 crore during the year ended March 31, 2017 (from Rs.1,019 crore in the previous year).

Due to increase in NPA, Net Interest Margin (NIM) for the year ended March 2017 stood at 1.99%.

Operatingprofitforthefinancialyear2016-17,stoodatRs.1,827crore(Rs.2,345croreforthefinancialyear2015-16).

Net loss for the year ended March 31, 2017 was Rs.1,373 crore (ascompared tonetprofitofRs.101crore for theyearendedMarch 31, 2016).

Gross NPAs and Net NPAs stood at 16.93% [Rs.17,189 crore] and 11.76% [Rs.11,230 crore] respectively.

Bank had Capital Adequacy ratio of 11.18% as on 31st March 2017, well above the required level of 10.25% as per Basel III norms.

CET 1 ratio stood at 7.28% as against minimum required 6.75%.

31 Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œÏŸ¸º‰¸ ¢¨¸©¸½«¸÷¸¸‚¸Ê ˆÅ¸½ Ÿ¸ÿ ‚¸œ¸ˆ½Å ¬¸¸Ÿ¸›¸½ œÏ¬÷¸º÷¸ ˆÅ£›¸¸ \¸¸í÷¸¸ í»¿—

¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸

‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ 1897 ©¸¸‰¸¸‚¸Ê ˆÅ¸ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ í¾, ¢]¸¬¸Ÿ¸Ê ¬¸½ 55 œÏ¢÷¸©¸÷¸ ©¸¸‰¸¸‡¿ ŠÏ¸Ÿ¸úµ¸ ‚¸¾£ ‚š¸Ä ©¸í£ú ®¸½°¸ Ÿ¸Ê íÿ— ™½©¸ ˆ½Å 30 £¸]¡¸¸Ê ‚¸¾£ 4 ¬¸¿‹¸©¸¸¢¬¸÷¸ œÏ™½©¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ˆÅú „œ¸¦¬˜¸¢÷¸ í¾— ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ 1878 ‡’ú‡Ÿ¸ ˆÅ¸ ›¸½’¨¸ˆÄÅ ž¸ú í¾— ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ œÏ¢÷¸¤¸Ö ‚¸¾£ ¬¸Ÿ¸¢œ¸Ä÷¸ ˆÅ¸¡¸Ä-¤¸¥¸ í¾, ¢]¸¬¸ˆÅú ‚¸¾¬¸÷¸ ‚¸¡¸º ¥¸Š¸ž¸Š¸ 42 ¨¸«¸Ä í¾ ÷¸˜¸¸ 37% ¬’¸ûÅ ˆÅú ‚¸¡¸º 35 ¨¸«¸Ä ¬¸½ ˆÅŸ¸ í¾—

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2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ‚¨¸¢š¸ í½÷¸º 6.05% £íú— \¸¸¾˜¸ú ¢÷¸Ÿ¸¸íú Ÿ¸Ê ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅú ¥¸¸Š¸÷¸ 5.75% £íú ]¸¸½ ¢ˆÅ ¨¸«¸Ä-™£-¨¸«¸Ä ‚¸š¸¸£ œ¸£ 84 ¤¸úœ¸ú‡¬¸ ˆÅú ˆÅŸ¸ú ™©¸¸Ä÷¸ú í¾—

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¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17 í½÷¸º œ¸¢£\¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ ²Å.1827 ˆÅ£¸½”õ £í¸ (¢¨¸î¸ú¡¸ ¨¸«¸Ä 2015-16 í½÷¸º ²Å.2345 ˆÅ£¸½”õ)—

31 Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ¢›¸¨¸¥¸ í¸¢›¸ ²Å.1373 ˆÅ£¸½”õ £íú (31 Ÿ¸¸\¸Ä, 2016 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ²Å.101 ˆÅ£¸½”õ ˆ½Å ¢›¸¨¸¥¸ ¥¸¸ž¸ ˆ½Å ÷¸º¥¸›¸¸÷Ÿ¸ˆÅ)—

¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ ‚¸¾£ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ ÇÅŸ¸©¸À 16.93% (²Å.17189 ˆÅ£¸½”õ) ‚¸¾£ 11.76% (²Å.11230 ˆÅ£¸½”õ) £í½—

¤¸ÿˆÅ ˆÅ¸ œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ 31 Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ 11.18% £í¸, ]¸¸½ ¢ˆÅ ¤¸½¬¸¥¸-III Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ 10.25% ˆ½Å ‚œ¸½¢®¸÷¸ ¬÷¸£ ¬¸½ œ¸¡¸¸Äœ÷¸ ‚¢š¸ˆÅ í¾—

¬¸úƒ’ú 1 ‚›¸ºœ¸¸÷¸ ›¡¸»›¸÷¸Ÿ¸ ‚œ¸½¢®¸÷¸ 6.75% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 7.28% £í¸—

6


During the year, your Bank had taken new business initiatives as under:

Revamping of CPCs – Retail and MSME to reduce the turnaround time along with better evaluation of proposals.

Bank has installed additional 74 Cash Deposit Machines and 30 Automated Self-Pass Book Printing Kiosks at various places to provide better customer service. With this total number of Cash Deposit Machines are 79 and Automated Self-Pass Book Printing Kiosks are 103.

Bank has provided an online facility to students for deposit of feesofdifferentinstitutes,organizationetc.

IntroducedUnifiedPaymentInterfaceincollaborationwithNPCIto give push to Digital India Campaign of Hon’ble Prime Minister of India, Bank has enrolled more than 1 lakh customers.

Bank has also tied up with NPCI for GOI “BHIM” Application.

Bank has all the IT Products to suit the Gen Next Customer aspirations.

Bank started the Paper-less ATM-RePIN facility (Green PIN) for ATM Card through its ATM Machines. This facility overcomes all shortcomings of the conventional re-pin request process.

Bank has tied up with Cigna TTK Health Insurance Company Limited for providing Health Care Insurance. Similarly, Bank has also tied up with Future Generali India Insurance Company Limited for providing General Insurance Services.

Bank has opened additional 10.14 lakhs PMJDY accounts duringthisfinancialyear.

Way forward:

Anorganizationalwayslearnsfromitsownexperienceasalsofrommarket stimulus. The operating environment is expected to improve during the current year due to variety of factors. Your Bank will respond positively to theemergingchallengesandseize theopportunities togrowprofitablebusiness.Westandcommittedtoinclusivegrowthtobuild new India.

I look forward to your continued patronage as ever.

R. P. Marathe

Managing Director & CEO

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ›¸ƒÄ ˆÅ¸£¸½¤¸¸£ œ¸í¥¸¿½ ˆÅú ]¸¸½ ¢ˆÅ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾¿:

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7


(` keÀjesæ[ ceW) (` in Crore)

2014-15 2015-16 2016-17

heóÊe hetbpeer Paid up Capital 1063 1168 1168

Deejef#eefle³eeb Reserves 7004 7619 6211

kegÀue peceejeefMe³eeb Total Deposits 122119 138990 139053

Je=ef× % Growth % 4.55 13.82 0.05

kegÀue peceejeefMe³eeW ceW keÀemee keÀe DebMe CASA Share in Total deposits 37.09 36.67 44.89

Deefieće Advances 101210 111240 101537

Je=ef× % Growth % 12.00 9.91 (8.72)

efjìsue Deefieće Retail Advances 11817 12568 15792

heéLeefcekeÀlee #es$e Deefieće Priority Sector Advances 39095 41485 40388

ke=Àef<e Agriculture 15521 17175 17960

met#ce Je ueIeg GÐece Micro and Small Enterprises 20657 22334 20585

DeuhemebK³ekeÀ Jeie& keÀes Deefieće Advances to Minority Sections 3264 3037 2921

Depee/Depepee Jeie& keÀes Deefieće Advances to SC / ST Sections 1643 1684 1738

efve³ee&le $eÝCe Export Credit 1301 1226 1213

kegÀue Dee³e Total Income 13671 14072 13570

kegÀue J³e³e Total Expenditure 11316 11727 11743

heefj®eeueve ueeYe OperatingProfit 2355 2345 1827

efveJeue ueeYe NetProfit 451 101 (1373)

MeeKeeDeeW keÀer mebK³ee Number of Branches 1880 1895 1897

SìerSce keÀer mebK³ee Number of ATMs 1849 1861 1878

hećegKe efve<heeove Devegheele (%) Key Performance Ratios (%)

hetbpeer he³ee&hlelee Devegheele-yesmeue III (%)

Capital Adequacy Ratio- Basel III (%) 11.94 11.20 11.18heéfle Mes³ej Dee³e Earning Per Share 4.5 0.91 (11.75)

heéfle Mes³ej yener cetu³e Book Value Per Share 65.61 63.36 46.96

heéfle keÀce&®eejer J³eJemee³e Business Per Employee 15.74 18.18 18.54

heéfle keÀce&®eejer ueeYe (` ueeKe ceW) ProfitPerEmployee(` in lakhs) 3.18 0.73 (10.58)

Deewmele Deeeqmle³eeW hej Dee³e Return on Average Assets 0.33 0.07 (0.86)

ueeiele Dee³e Devegheele Cost to Income Ratio 51.75 52.12 60.98

mekeÀue Devepe&keÀ Deeeqmle Devegheele Gross NPA ratio 6.33 9.34 16.93

efveJeue Devepe&keÀ Deeeqmle Devegheele Net NPA ratio 4.19 6.35 11.76

heéJeOeeve keÀJejspe Devegheele Provision Coverage Ratio 46.57 45.04 44.48

$eÝCe- pecee Devegheele Credit- Deposit ratio 82.88 80.03 73.02

SSveyeermeer keÀes heéLeefcekeÀlee $eÝCe Priority Credit to Adjusted Net Bank Credit 41.76 39.82 34.99

heíeefle SkeÀ vepej ceW Progress at a Glance


8

Your Directors have pleasure in presenting the Annual Report of the Bank with the audited Balance Sheet, Profit & Loss Account and the Report on Business and Operations for the year ended March 31, 2017.

1. MANAGEMENT DISCUSSION AND ANALYSIS

1.1) Economic and Banking Scenario 2016-17

The global economy was marked with subdued growth with low commodity prices and inflation rates for the major part of the year. However Post U.S. election, expectations of loose fiscal policy in the United States have pushed the dollar into a strong position and higher U.S. Treasury interest rates, thereby giving momentum to the yields across the world as well.

Indian growth story remained robust despite the demonetization drive in quarter 3 of the FY 16-17. Central Statistics Office has estimated the GDP to grow at 7.1% for 2016–17, on an annual basis.

The government's final consumption expenditure remained the major driver of the growth in FY17, with inflation remaining under control for most part of the year on account of low commodity prices. Investments and exports however remained subdued during the year. Agriculture is likely to register robust growth for the 2016-17 by 4.4% against previous year's 0.8% (GVA –CSO) backed by good monsoon during the year.

A major drive was undertaken for the revival of banking sector in 2016-17 including fresh issue of licenses for setting up small banks and payment banks.

1.2) Outlook for 2017-18

World growth is expected to rise from 3.1 percent in 2016 to 3.5 percent in 2017 and 3.6 percent in 2018(WEO, April 2017) on account of stronger activity and robust global demand

On the domestic front, GDP growth is expected to rebound to 7.2% in 2018 and 7.7% in 2019 (IMF), with inflation expected to be around 5 per cent. Revival of subdued manufacturing and exports would remain the major concerns during FY18. However remonetisation and lower borrowing costs are expected to revup the private consumption expenditure.

The various proposals in the Union Budget 2017-18 with regards to stepping up of capital expenditure; boosting the rural economy and affordable housing, are expected to be growth stimulating. Replacement of the existing multiple indirect taxes with uniform goods and service tax (GST) across India with effect from July 1, 2017, is set to give a major boost to India's growth and competitiveness.

Abolition of the Foreign Investment Promotion Board (FIPB) and reforms in FDI policy have been taken to attract higher foreign direct investment (FDI).The strong pace of expansion in global trade and output are expected to ease the external demand constraint on domestic growth prospects

Banking sector is also expected to be benefitted by the passing of the Bankruptcy Law passed for taking remedial action against defaulters

2. Performance Highlights 2016-17

1. Total Business of your Bank stood at Rs. 240590 crore as on 31.03.2017 as compared to Rs. 250230 crore last year.

2. Total deposit stood at Rs. 139053 crore as on 31.03.2017 as compared to Rs. 138990 crore last year.

3. Average Deposits stood at Rs. 133392 crore as on 31.03.2017 as compared to Rs. 124788 crore last year, registering a growth of 6.89% over last year.

‚¸œ¸ˆ½Å ¢›¸™½©¸ˆÅ 31 Ÿ¸¸\¸Ä 2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ÷¸º¥¸›¸-œ¸°¸ ‚¸¾£ ¥¸¸ž¸ ¨¸ í¸¢›¸ ‰¸¸÷¸½ ‚¸¾£ ¨¡¸¨¸¬¸¸¡¸ ‡¨¸¿ œ¸¢£\¸¸¥¸›¸ œ¸£ ¢£œ¸¸½’Ä ˆ½Å ¬¸¸˜¸ ¤¸ÿˆÅ ˆÅú ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä ‚¸œ¸ˆ½Å ¬¸Ÿ¸®¸ ¬¸í«¸Ä œÏ¬÷¸º÷¸ ˆÅ£÷¸½ í¾.1. œÏ¤¸¿š¸›¸ \¸\¸¸Ä ‚¸¾£ ¢¨¸©¥¸½«¸µ¸1.1) ‚¸¢˜¸ÄˆÅ ‚¸¾£ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£´©¡¸ 2016-17 ¨¸¾¢æ¸ˆÅ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ¨¸«¸Ä ˆ½Å ‚¢š¸ˆÅ¸¿©¸ ž¸¸Š¸ í½÷¸º ¢›¸Ÿ›¸ œ¸µ¡¸ Ÿ¸»¥¡¸ ‚¸¾£

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1.2) 2017-18 ˆ½Å ¢¥¸‡ ‚›¸ºŸ¸¸›¸ Ÿ¸]¸¤¸»÷¸ Š¸¢÷¸¢¨¸¢š¸ ‚¸¾£ ¬¸º´[õ ¨¸¾¢æ¸ˆÅ Ÿ¸¸¿Š¸ ˆ½Å ˆÅ¸£µ¸ ¨¸¾¢æ¸ˆÅ ¨¸¼¢Ö 2016

ˆ½Å 3.1 œÏ¢÷¸©¸÷¸ ¬¸½ 2017 Ÿ¸Ê 3.5 œÏ¢÷¸©¸÷¸ £íú ‚¸¾£ 2018 Ÿ¸Ê ¤¸[õˆÅ£ 3.6 œÏ¢÷¸©¸÷¸ í¸½›¸½ ˆÅ¸ ‚›¸ºŸ¸¸›¸ í¾ (”¤¥¡¸»ƒÄ‚¸½, ‚œÏ¾¥¸ 2017)—

‹¸£½¥¸» ®¸½°¸ Ÿ¸Ê ¬¸ˆÅ¥¸ ‹¸£½¥¸» „÷œ¸¸™ ¨¸¼¢Ö ¥¸Š¸ž¸Š¸ 5 œÏ¢÷¸©¸÷¸ ˆÅú ‚œ¸½¢®¸÷¸ Ÿ¸ºÍ¸¬ûÅú¢÷¸ ˆ½Å ¬¸¸˜¸ 2018 Ÿ¸Ê 7.2% ‚¸¾£ 2019 Ÿ¸Ê 7.7% ÷¸ˆÅ œÏ¢®¸œ÷¸ í¸½›¸¸ ‚œ¸½¢®¸÷¸ í¾ (‚¸ƒÄ‡Ÿ¸‡ûÅ)— ¢¨¸î¸ú¡¸ ¨¸«¸Ä 18 ˆ½Å ™¸¾£¸›¸ Ÿ¸¿™ ¢¨¸¢›¸Ÿ¸¸Äµ¸ ‚¸¾£ ¢›¸¡¸¸Ä÷¸ ˆÅ¸ œ¸º›¸²Å÷˜¸¸›¸ œÏŸ¸º‰¸ ¬¸£¸½ˆÅ¸£ ¤¸›¸¸ £í½Š¸¸— ÷¸˜¸¸¢œ¸ œ¸º›¸Ÿ¸ºÄÍúˆÅ£µ¸ ‚¸¾£ ›¡¸»›¸ „š¸¸£ú ¥¸¸Š¸÷¸ ¬¸½ ¢›¸]¸ú „œ¸ž¸¸½Š¸ ¨¡¸¡¸ Ÿ¸Ê ¤¸™¥¸¸¨¸ ‚œ¸½¢®¸÷¸ í¾—

œ¸»¿]¸ú ¨¡¸¡¸ Ÿ¸Ê ¤¸[õ¸½î¸£ú, ŠÏ¸Ÿ¸úµ¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ Ÿ¸Ê Š¸¢÷¸ ‚¸¾£ ¨¸í›¸ ˆÅ£›¸½ ¡¸¸½Š¡¸ ‚¸¨¸¸¬¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ˆ½Å›Íú¡¸ ¤¸]¸’ 2017-18 Ÿ¸Ê ¢¨¸¢ž¸››¸ œÏ¬÷¸¸¨¸ ¨¸¼¢Ö œÏ½£ˆÅ í¸½›¸¸ ‚œ¸½¢®¸÷¸ í¾— ¢¨¸Ô¸Ÿ¸¸›¸ ¤¸íº¢¨¸š¸ ‚œÏ÷¡¸®¸ ˆÅ£¸Ê ˆ½Å ¬˜¸¸›¸ œ¸£ œ¸»£½ ž¸¸£÷¸ ž¸£ Ÿ¸Ê 01 ]¸º¥¸¸ƒÄ, 2017 ¬¸½ ‡ˆÅ³Åœ¸ ¨¸¬÷¸º ‡¨¸¿ ¬¸½¨¸¸ ˆÅ£ (]¸ú‡¬¸’ú) ž¸¸£÷¸ ˆÅú ¨¸¼¢Ö ‚¸¾£ œÏ¢÷¸¬œ¸¢š¸Ä÷¸¸ Ÿ¸Ê ÷¸½]¸ú ˆ½Å ¢¥¸‡ ÷¸¾¡¸¸£ í¾—

¢¨¸™½©¸ú ¢›¸¨¸½©¸ ¬¸¿¨¸š¸Ä›¸ ¤¸¸½”Ä (‡ûÅ‚¸ƒÄœ¸ú¤¸ú) ˆÅ¸ ¬¸Ÿ¸¸œ¸›¸ ‚¸¾£ ‡ûÅ”ú‚¸ƒÄ ›¸ú¢÷¸ Ÿ¸½¿ ¬¸ºš¸¸£ ¢ˆÅ‡ Š¸‡ ÷¸¸¢ˆÅ „\\¸ ¢¨¸™½©¸ú œÏ÷¡¸®¸ ¢›¸¨¸½©¸ (‡ûÅ”ú‚¸ƒÄ) ˆÅ¸½ ‚¸ˆÅ¢«¸Ä÷¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å— ¢¨¸æ¸ ¨¡¸¸œ¸¸£ Ÿ¸Ê ¢¨¸¬÷¸¸£ ˆÅú ¬¸º´[õ Š¸¢÷¸ ‚¸¾£ œ¸¢£µ¸¸Ÿ¸¸Ê ¬¸½ ‹¸£½¥¸» ¨¸¼¢Ö ¬¸¿ž¸¸¨¸›¸¸‚¸Ê œ¸£ ¤¸¸à¸ Ÿ¸¸¿Š¸ ¤¸¸š¡¸÷¸¸‚¸Ê Ÿ¸Ê ‚¸¬¸¸›¸ú ‚œ¸½¢®¸÷¸ í¾—

\¸»ˆÅˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¨¸²ÅÖ ¢›¸¨¸¸£ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ£›¸½ í½÷¸º œ¸¸¢£÷¸ ™ú¨¸¸¢¥¸¡¸¸ ˆÅ¸›¸»›¸ ×¸£¸ ž¸ú ¤¸ÿ¢ˆ¿ÅŠ¸ ®¸½°¸ ˆÅ¸ ¥¸¸ž¸¸¦›¨¸÷¸ í¸½›¸¸ ‚œ¸½¢®¸÷¸ í¾—

2. ¨¸«¸Ä 2016-17 ˆ½Å ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ˆÅú Ÿ¸º‰¡¸ ¢¨¸©¸½«¸÷¸¸‡¿ 1. ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ²Å.250230 ˆÅ£¸½”õ

ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2017 ˆÅ¸½ ²Å.240590 ˆÅ£¸½”õ £í¸. 2. ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ²Å.138990 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê

²Å.139053 ˆÅ£¸½”õ £íú¿. 3. ‚¸¾¬¸÷¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ ¢œ¸Ž¥¸½ ¸«¸Ä ½Å ²Å. 124788 Å£¸½”õ Åú ÷¸º¥¸›¸¸

Ÿ¸Ê 31.03.2017 ˆÅ¸½ ²Å. 133392 ˆÅ£¸½”õ £íú. ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 6.89% ˆÅú ¨¸¼¢Ö ™]¸Ä íºƒÄ.

DIRECTORS’ REPORTefveosMekeÀeW keÀer efjheesì&


9

4. CASA deposit stood at Rs. 62419 crore against last year figure of Rs. 50967 crore (Registering growth of 22.47%). Total CASA percentage stood at 44.89%.

5. Gross advances of the Bank stood at Rs. 101537 crore as on 31.03.2017 in comparison to Rs.111240 crore as on 31.03.2016

6. Operating Profit stood at Rs 1827.07 crore as on 31.03.2017 as compared to Rs. 2345.18 crore last year

7. Business per branch is Rs 126.83 Crore as on 31.03.2017.

8. Business per employee is Rs 18.54 Crore as on 31.03.2017

2.1 Sectoral Deployment of Credit While financing to various segments of the economy, the Bank

has endeavored to maintain a diversified credit portfolio, with a view to ensuring credit dispersion across sectors. The Bank has continued its efforts to support core, manufacturing and priority sectors as well as infrastructure projects, which serve to drive economic growth. This focus of the Bank will continue in future, in line with the national economic growth priorities.

Industry wise credit deployment as on 31.03.2017 is as under:Sr. No.

Percentage to total O/s

O/s as on 31.03.2017


O/s as on 31.03.2016


1 Industry 44811.65 44.13 60953.31 54.79Of whichi.Infrastructure 9931.29 9.78 13055.62 11.74ii. Chemicals, Dyes, Paints etc

3128.00 3.08 3202.56 2.88

iii. Petroleum 1018.97 1.00 2199.72 1.98iv. Basic Metal and Metal Product

4975.65 4.90 6318.93 5.68

v. NBFCs and Trading

13784.69 13.58 17258.56 15.50

vi. Engineering 3537.38 3.48 3649.50 3.28vii. Construction

119.84 0.12 3.49 0.00

viii. Other Industries

8315.83 8.19 10164.32 9.14

2 Agriculture 15491.45 15.26 14851.17 13.353 MSME 20419.50 20.11 22143.75 19.914 Housing 13595.25 13.39 10550.01 9.485 Education 891.05 0.88 804.06 0.726 Exports 1212.71 1.19 1226.61 1.10

7 Commercial Real estate

5115.21 5.04 5811.72 5.22

Gross Advances

101536.82 111240.28

2.2 Quality and NPA Management

The Bank has set up “Asset Recovery Cells(ARC)” at all Zonal offices to ensure focused efforts for upgradation and NPA recovery

The Bank has also set up twelve Asset Recovery Branches (ARBs) across its Zones for large NPA a/cs more particularly where legal actions are in progress so as to make focused follow up of large NPAs

Bank has been implementing Suo Motu non-discriminatory and non-discretionary One Time Settlement (OTS) Schemes. During 2016-17 such scheme i.e. “Mahabank Rahat Yojana” was introduced for NPAs with Ledger Balance up to Rs.25.00 lakhs. Sanction letters pre-approved by Head Office were sent to the eligible borrowers. Additional relief was given to drought affected borrowers with balance up to Rs. 10.00 Lakhs.

4. ˆÅ¸¬¸¸ ]¸Ÿ¸¸ £¸¢©¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ²Å. 50967 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ²Å. 62419 Å£¸½”õ £íú (22.47% Åú ¸¼¢Ö ™]¸Ä íºƒÄ). ºÅ¥¸ Å¸¬¸¸ ˆÅ¸ œÏ¢÷¸©¸÷¸ 44.89% £í¸.

5. ¤¸ÿˆÅ ˆÅ¸ ¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸ 31.03.2016 ˆ½Å ²Å.111240 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2017 ˆÅ¸½ ²Å.101537 ˆÅ£¸½”õ £í¸.

6. œ¸¢£\¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ ¢œ¸Ž¥¸½ ¸«¸Ä ½Å ²Å. 2345.18 Å£¸½”õ Åú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2017 ˆÅ¸½ ²Å. 1827.07 ˆÅ£¸½”õ £í¸.

7. 31.03.2017 ˆÅ¸½ œÏ¢÷¸ ©¸¸‰¸¸ ¨¡¸¨¸¬¸¸¡¸ ²Å.126.83 ˆÅ£¸½”õ £í¸. 8. 31.03.2017 Å¸½ œÏ¢÷¸ ÅŸ¸Ä\¸¸£ú ¡¸¨¸¬¸¸¡¸ ²Å.18.54 Å£¸½”õ £í¸.2.1 †µ¸ ˆÅ¸ ®¸½°¸¨¸¸£ ¢¨¸¢›¸¡¸¸½]¸›¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ½Å ¢¨¸¢ž¸››¸ ¸Š¸¸½ô Å¸ ¢¨¸î¸œ¸¸½«¸µ¸ Å£÷¸½ ¬¸Ÿ¸¡¸ ¤¸ÿˆÅ ›¸½ ¢¨¸ˆ½Å¦›Í÷¸

†µ¸ ¬¸¿¢¨¸ž¸¸Š¸ ¤¸›¸¸‡ £‰¸›¸½ ˆÅ¸ œÏ¡¸¸¬¸ ¢ˆÅ¡¸¸ í¾, ÷¸¸¢ˆÅ ¢¨¸¢ž¸››¸ ®¸½°¸¸Ê ˆÅ¸½ †µ¸ ¢¨¸¬÷¸¸£µ¸ ¬¸º¢›¸¢ä¸÷¸ í¸½ ¬¸ˆ½Å. ¤¸ÿˆÅ ›¸½ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆÅú ¨¸¼¢Ö Ÿ¸Ê ¡¸¸½Š¸™¸›¸ ™½›¸½ ¨¸¸¥¸½ ˆÅ¸½£, ¢¨¸¢›¸Ÿ¸¸Äµ¸ú, œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ¬¸¸˜¸ íú ‚¸š¸¸£ž¸»÷¸ œ¸¢£¡¸¸½]¸›¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸˜¸Ä›¸ ™½›¸½ ˆ½Å ‚œ¸›¸½ œÏ¡¸¸¬¸ ]¸¸£ú £‰¸½ ]¸¸½ ‚¸¢˜¸ÄˆÅ ¨¸¼¢Ö Ÿ¸Ê ¬¸í¸¡¸ˆÅ íº‡. £¸«’ïú¡¸ ‚¸¢˜¸ÄˆÅ ¨¸¼¢Ö œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‚¸Ê ˆ½Å ‚›¸º³Åœ¸ ¤¸ÿˆÅ ˆÅ¸ ¡¸í ûÅ¸½ˆÅ¬¸ ž¸¢¨¸«¡¸ Ÿ¸Ê ž¸ú ]¸¸£ú £í½Š¸¸.

¢™›¸ ¿ Å 31.03.2017 Å ½ „Ô¸ ½Š¸¨¸¸£ †µ¸ ‚¢ž¸¢›¸¡¸ ½]¸›¸ ¢›¸Ÿ›¸¸› º¬¸¸£ £í¸ À-

‚›¸º. ÇÅ.

¢¨¸¢›¸¡¸¸½¢]¸÷¸ †µ¸ 31.03.2017ˆÅ¸½ ¤¸ˆÅ¸¡¸¸

ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ †µ¸ ¬¸½ œÏ¢÷¸©¸÷¸

31.03.2016ˆÅ¸½ ¤¸ˆÅ¸¡¸¸

ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ †µ¸ ¬¸½ œÏ¢÷¸©¸÷¸

1 „Ô¸¸½Š¸ 44811.65 44.13 60953.31 54.79ƒ¬¸Ÿ¸Ê ¬¸½i. ‚¨¸¬¸¿£\¸›¸¸÷Ÿ¸ˆÅ 9931.29 9.78 13055.62 11.74ii.£¬¸¸¡¸›¸, ”¸¡¸ ¨¸ œ¸½›’ ƒ÷¡¸¸¢™

3128.00 3.08 3202.56 2.88

iii.œ¸½’ï¸½¢¥¸¡¸Ÿ¸ 1018.97 1.00 2199.72 1.98iv. Ÿ¸»¥¸ š¸¸÷¸º ‚¸¾£ š¸¸÷¸º „÷œ¸¸™

4975.65 4.90 6318.93 5.68

v. ‡›¸¤¸ú‡ûÅ¬¸ú ‚¸¾£ ¨¡¸¸œ¸¸£

13784.69 13.58 17258.56 15.50

vi. ƒ¿]¸ú¢›¸¡¸¢£¿Š¸ 3537.38 3.48 3649.50 3.28vii. ¢›¸Ÿ¸¸Äµ¸ 119.84 0.12 3.49 0.00viii.‚›¡¸ „Ô¸¸½Š¸ 8315.83 8.19 10164.32 9.14

2 ˆ¼Å¢«¸ 15491.45 15.26 14851.17 13.353 ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ 20419.50 20.11 22143.75 19.914 ‚¸¨¸¸¬¸ 13595.25 13.39 10550.01 9.485 ¢©¸®¸¸ 891.05 0.88 804.06 0.726 ¢›¸¡¸¸Ä÷¸ 1212.71 1.19 1226.61 1.107 ¨¸¸¢µ¸¦]¡¸ˆÅ ž¸» ¬¸¿œ¸™¸ 5115.21 5.04 5811.72 5.22

¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸ 101536.82 111240.28

2.2 Š¸ºµ¸¨¸î¸¸ ‚¸¾£ ‡›¸œ¸ú‡ œÏ¤¸¿š¸›¸ ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê "‚¸¦¬÷¸ ¨¸¬¸»¥¸ú ˆÅ®¸¸Ê (‡‚¸£¬¸ú)"

ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú í¾ ÷¸¸¢ˆÅ „››¸¡¸›¸ ‚¸¾£ ‡›¸œ¸ú‡ ¨¸¬¸»¥¸ú ˆ½Å ¬¸‹¸›¸ œÏ¡¸¸¬¸ ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ‡ ]¸¸ ¬¸ˆÊÅ.

¤¸ÿˆÅ ›¸½ ¤¸”õ½ ‡›¸œ¸ú‡ ‰¸¸÷¸¸½¿, ¢¨¸©¸½«¸ˆÅ£ ]¸í¸¿ ˆÅ¸›¸»›¸ú ˆÅ¸£Ä¨¸¸ƒÄ \¸¥¸ £íú í¾, ˆ½Å ¢¥¸‡ ¤¸¸£í ‚¸¦¬÷¸ ¨¸¬¸»¥¸ú ©¸¸‰¸¸‡¿ (‡‚¸£¤¸ú) ž¸ú ¬˜¸¸¢œ¸÷¸ ˆÅú íÿ, ÷¸¸¢ˆÅ ¤¸”õ½ ‡›¸œ¸ú‡ œ¸£ ¬¸‹¸›¸ ‚›¸º¨¸÷¸Ä›¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å.

¤¸ÿˆÅ ¬¨¸œÏ½£µ¸¸ ¬¸½ Š¸¾£ ž¸½™ž¸¸¨¸œ¸»µ¸Ä ‚¸¾£ Š¸¾£ ¢¨¸¨¸½ˆÅ¸š¸ú›¸ ‡ˆÅ ¤¸¸£Š¸ú ¢›¸œ¸’¸›¸ (‚¸½’ú‡¬¸) ¡¸¸½]¸›¸¸‚¸Ê ˆÅ¸½ ¥¸¸Š¸» ˆÅ£ £í¸ í¾. 2016-17 ˆ½Å ™¸¾£¸›¸ ‡½¬¸ú ¡¸¸½]¸›¸¸ ‚˜¸¸Ä÷¸Ã "Ÿ¸í¸¤¸ÿˆÅ £¸í÷¸ ¡¸¸½]¸›¸¸" ¥¸½]¸£ ¤¸¾¥¸Ê¬¸ ˆ½Å ¬¸¸˜¸ ³Å. 25.00 ¥¸¸‰¸ ÷¸ˆÅ ˆ½Å ‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ ©¸º³Å ˆÅú Š¸¡¸ú ˜¸ú. œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ×¸£¸ œ¸»¨¸Ä-¬¨¸úˆ¼Å÷¸ Ÿ¸¿]¸»£ú œ¸°¸ œ¸¸°¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ž¸½]¸½ Š¸‡. ³Å.10.00


10

During the year 2016-17 another special Suo Motu OTS Scheme (Viz. “Mahabank Karjmukti Yojana”) was introduced for recovery in Regular Written Off (RWO) a/cs up to Rs 25 lakhs.

In case of NPA a/cs with dues of Rs.1.00 crore to Rs.10.00 crore; Resolution Agents are appointed on selective basis so as to have an early resolution.

Recovery in smaller NPA accounts (up to Rs.25 lakhs) the services of Recovery Agents are engaged.

Bank has also made intensive follow up with the defaulting borrowers through visits, letters, notices, Recovery Camps, Lok Adalats, actions under SARFAESI / DRT Act.

Position of Non-Performing Assets is as under;

Particulars Amt. as on 31.03.17

Amt. as on 31.03.16

Percent-age of (+/-)

Gross NPA 17188.72 10385.85 65.50% to advances 16.93 9.34 XXNet NPA 11229.56 6832.03 64.37% to advances 11.76 6.35 XXCash Recovery 876.42 772.82 12.99

2.3 Foreign Exchange Business

Particulars 2016-17 2015-16 Percentage of (+/-)

Total FEX Business Turnover

598503 595233 0.55

Merchant Busines Turnover 36852 29562

24.66

Profit in FEX Business 101.91 77.83 30.93

The International Division has given more thrust on Merchant Business (high yielding Exchange Profit) resulting into growth of 24.66%. in turnover and 30.93% in profit. 37 B Category branches across the country cater to the international business needs of the customers of the Bank. Apart from TIBB at Mumbai as “A” category. The Bank has also NRI Cell to cater the specific needs of NRI clients.

2.4 Investment

The breakup of Investments into SLR & Non-SLR investments is given below:

• The Gross Investments as on 31.03.2017 stood at Rs 38841.56 crore, of which Rs 31613.02 crore are SLR securities and Rs 7228.54 crore are Non-SLR Securities. The excess SLR securities as on 31.03.2017 stood at Rs 1855.01 crore.

• The net investments (net of provisions) stood at Rs 38590.18 crore as on 31.03.2017 as compared to Rs 36230.87 crore as on 31.03.2016. Investments under Held to Maturity (MTM) category consist of 77.66%, while Available for Sale (AFS) comprised of 22.34% of total investment portfolio as of 31.03.2017. The net interest income from investment activity increased to Rs 2829.47 crore from Rs 2735.20 crore during the last year (growth of 3.45%).

• The Non-Performing Investments stood at Rs 655.45 crore as on 31.03.2017.

¥¸¸‰¸ ÷¸ˆÅ ˆ½Å ©¸½«¸ £¸¢©¸ ˆ½Å ¬¸»‰¸½ ¬¸½ œÏž¸¸¢¨¸÷¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ £¸í÷¸ ™ú Š¸ƒÄ.

¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ‡ˆÅ ‚›¡¸ ¢¨¸©¸½«¸ ¬¨¸œÏ½¢£÷¸ ‡ˆÅ ¤¸¸£Š¸ú ¢›¸œ¸’¸›¸ ¡¸¸½]¸›¸¸ (‚˜¸¸Ä÷¸Ã "Ÿ¸í¸¤¸ÿˆÅ ˆÅ]¸ÄŸ¸º¢Æ÷¸ ¡¸¸½]¸›¸¸") ³Å.25 ¥¸¸‰¸ ÷¸ˆÅ ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ ¤¸’Ã’½ ‰¸¸÷¸½ (‚¸£”¤¥¸»‚¸½) Ÿ¸Ê ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ ©¸º³Å ˆÅú Š¸¡¸ú ˜¸ú.

³Å.1.00 ˆÅ£¸½”õ ¬¸½ ²Å.10.00 ˆÅ£¸½”õ ÷¸ˆÅ ™½¡¸ £¸¢©¸ ˆ½Å ‡›¸œ¸ú‡ ‰¸¸÷¸¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê `¢£{¸¸Á¥¡¸»©¸›¸ ‡]¸Ê’¸Ê' ˆÅ¸½ \¸¡¸¢›¸÷¸ ‚¸š¸¸£ œ¸£ ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾ ÷¸¸¢ˆÅ ©¸ú‹Ï ¢›¸œ¸’¸›¸ í¸½ ¬¸ˆ½Å.

Ž¸½’½ ‡›¸œ¸ú‡ ‰¸¸÷¸¸Ê (³Å. 25 ¥¸¸‰¸ ÷¸ˆÅ) Ÿ¸Ê ¨¸¬¸»¥¸ú ˆ½Å ¢¥¸‡ ¨¸¬¸»¥¸ú ‡]¸½¿’¸½ ˆÅú ¬¸½¨¸¸‡¿ ¥¸ú Š¸ƒô.

¤¸ÿˆÅ ›¸½ ™¸¾£½, œ¸°¸, ›¸¸½¢’¬¸, ¨¸¬¸»¥¸ú ¢©¸¢¨¸£, ¥¸¸½ˆÅ ‚™¸¥¸÷¸¸Ê, ¬¸£û½Å¬¸ú / ”ú‚¸£’ú ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ \¸»ˆÅˆÅ÷¸¸Ä „š¸¸£ˆÅ÷¸¸Ä‚¸Ê œ¸£ Š¸í›¸ ‚›¸º¨¸÷¸úÄ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅú í¾.

‚›¸]¸ÄˆÅ ‚¸¦¬÷¸¡¸¸Ê ˆÅú ¦¬˜¸¢÷¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾;

¢¨¸¨¸£µ¸ 31.03.17 ˆ½Å ‚›¸º¬¸¸£ £¸¢©¸

31.03.16 ˆ½Å ‚›¸º¬¸¸£ £¸¢©¸

(+/) ˆÅ¸ œÏ¢÷¸©¸÷¸

¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ 17188.72 10385.85 65.50‚¢ŠÏŸ¸¸Ê ˆÅ¸ % 16.93 9.34 XX¢›¸¨¸¥¸ ‡›¸œ¸ú‡ 11229.56 6832.03 64.37‚¢ŠÏŸ¸¸Ê ˆÅ¸ % 11.76 6.35 XX›¸ˆÅ™ú ¨¸¬¸»¥¸ú 876.42 772.82 12.99

2.3 ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ˆÅ¸£¸½¤¸¸£¢¨¸¨¸£µ¸ 2016-17 2015-16 (+/-) Å¸

œÏ¢÷¸©¸÷¸ˆºÅ¥¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¨¡¸¨¸¬¸¸¡¸ ‚¸¨¸÷¸Ä

598503 595233 0.55

¨¡¸¸œ¸¸£ú ¨¡¸¨¸¬¸¸¡¸ ‚¸¨¸÷¸Ä 36852 29562 24.66¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¡¸¨¸¬¸¸¡¸ Ÿ¸Ê ¥¸¸ž¸ 101.91 77.83 30.93

‚¿÷¸£¸Ä«’ïú¡¸ œÏž¸¸Š¸ ›¸½ ¨¡¸¸œ¸¸£ú ¨¡¸¨¸¬¸¸¡¸ („\\¸ ‚¸¡¸ ¢¨¸¢›¸Ÿ¸¡¸ ¥¸¸ž¸) ˆ½Å ¤¸¸£½ Ÿ¸Ê ‚¢š¸ˆÅ ]¸¸½£ ¢™¡¸¸ Š¸¡¸¸ í¾, ¢]¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ˆÅ¸£¸½¤¸¸£ Ÿ¸Ê 24.66% ÷¸˜¸¸ ¥¸¸ž¸ Ÿ¸Ê 30.93% Åú ¸¼¢Ö íºƒÄ í¾. ™½©¸ ž¸£ Ÿ¸Ê 37 ¤¸ú ª½µ¸ú ˆÅú ©¸¸‰¸¸‡¿ ¤¸ÿˆÅ ˆ½Å ŠÏ¸íˆÅ¸Ê ˆÅú ‚¿÷¸£¸Ä«’ïú¡¸ ¨¡¸¸œ¸¸¢£ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£÷¸ú íÿ. Ÿ¸º¿¤¸ƒÄ ¦¬˜¸÷¸ ’ú.‚¸ƒÄ.¤¸ú.”ú. (‡ ª½µ¸ú) ˆ½Å ‚¢÷¸¢£Æ÷¸ ‡›¸‚¸£‚¸ƒÄ ŠÏ¸íˆÅ¸Ê ˆÅú ¢¨¸¢©¸«’ ]¸³Å£÷¸¸Ê ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡›¸‚¸£‚¸ƒÄ ˆÅ®¸ ž¸ú í¾—

2.4 ¢›¸¨¸½©¸ ‡¬¸‡¥¸‚¸£ ‚¸¾£ Š¸¾£-‡¬¸‡¥¸‚¸£ ¢›¸¨¸½©¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ¸ ¤Ï½ˆÅ‚œ¸

¢›¸Ÿ›¸¸›¸º¬¸¸£ ¢™¡¸¸ Š¸¡¸¸ í¾À

• • 31.03.2017 Å¸½ ¬¸ˆÅ¥¸ ¢›¸¨¸½©¸ ³Å.38841.56 Å£¸½”õ £í¸, ¢]¸¬¸Ÿ¸Ê ¬¸½ ²Å.31613.02 Å£¸½”õ ‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ‚¸¾£ ³Å.7228.54 ˆÅ£¸½”õ Š¸¾£-‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ íÿ. 31.03.2017 ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ ‡¬¸‡¥¸‚¸£ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ³Å.1855.01 ˆÅ£¸½”õ £íú.

• • 31.03.2016 ˆÅ¸½ ¢›¸¨¸¥¸ ¢›¸¨¸½©¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆÅ¸ ¢›¸¨¸¥¸) ³Å.36230.87 ˆÅ£¸½”õ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2017 ˆÅ¸½ ³Å.38590.18 ˆÅ£¸½”õ £í¸. œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸ (‡\¸’ú‡Ÿ¸) ª½µ¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸¨¸½©¸ ˆÅ¸ 77.66% ©¸¸¢Ÿ¸¥¸ í¾, ]¸¤¸¢ˆÅ ¢¨¸ÇÅ¡¸ ˆ½Å ¢¥¸‡ „œ¸¥¸¤š¸ (‡‡ûÅ‡¬¸) 31.03.2017 ÷¸ˆÅ ˆºÅ¥¸ ¢›¸¨¸½©¸ œ¸¸½’ÄûÅ¸½¢¥¸¡¸¸½ ˆÅ¸ 22.34% ©¸¸¢Ÿ¸¥¸ í¾. ¢›¸¨¸½©¸ Š¸¢÷¸¢¨¸¢š¸ ¬¸½ ¢›¸¨¸¥¸ ¤¡¸¸]¸ ‚¸¡¸ Ÿ¸Ê ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ³Å.2735.20 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ ³Å.2829.47 ˆÅ£¸½”õ í¸½ Š¸¡¸¸ (3.45% ˆÅú ¨¸¼¢Ö).

• 31.03.2017 ˆÅ ½ Š ¾£-¢›¸«œ¸¸™›¸ ¢›¸¨ ½©¸ ²Å. 655.45 ˆÅ£ ½”õ œ¸£ £í¸.


11

2.5 Merchant Banking:

The Bank handled 70 issues (previous year 126 issues) of Commercial paper amounting to Rs 30170 crore (previous year Rs 54060 crore) for its clients as an Issuing and Paying Agent (IPA) during the year.

2.6 Borrowings:

The borrowing of the Bank as on 31st March 2017 stood at Rs 8136.65 crore including re-finance as under;

ParticularAmount

as at 31.03.2017

Amount as at

31.03.2016

Percentage of (+/-)

Total Borrowing 8136.65 9228.10 (0.12)Borrowing - CBLO 0 74.54 (1.00)Of which Refinance from

2892.95 4046.17 (0.29)

NABARD 420 893.34 (0.53)EXIM BANK 324.25 331.27 (0.02)RBI 0 500 (1.00)NHB Refinance 277.89 370.52 (0.25)Mudra Refinance 370.81 370.81 0.00SIDBI 1500 1580.23 (0.05)Borrowings in the form of bonds & debentures capitalinstruments

5225 5100 0.02

Borrowings outside India 18.65 7.34 1.54

Others 0.05 0.05 0.00

The Bank does avail refinance depending upon its liquidity position, deployment of funds and also cost of such refinance despite its eligibility to avail refinance at higher level.

2.7 Depository Services

• Bank is Depository Participant (DP) of Central Depository Services of India Ltd. (CDSL) since September 1999.

• The Bank has also introduced Basic Services Demat Account Facility (BSDA)

2.8 Bancassurance

• Bank had added two new partners namely M/s Future Generali (Non-Life Insurance Company) and M/s Cigna TTK (Standalone Health Insurance Company) under Bancassurance in the month of Feb.2017.

• Insurance for all the securities charged to the Bank may be done invariably under Bancassurance arrangement with UII Co. Ltd. and M/s Future Generali.

• 1241 branches are logged in as of 31.03.2017 for LIC Bancassurance business.

• We had created portal for Popularization of Mahaswastya Yojana, All new as well as renewal of cases are done through the portal in T+3 days. Now, the customer having internet banking facility can make the payment online and generate the policy instantaneous.This year, till 31.03.2017, 79 bank branches declared as BIMA Branch.

• During the year 2016-17, 6993 life policies and 102752 Non-Life policies were made.

2.5 ¨¡¸¸œ¸¸£ú ¤¸ÿ¢ˆ¿ÅŠ¸ À ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ]¸¸£úˆÅ÷¸¸Ä ‚¸¾£ ž¸ºŠ¸÷¸¸›¸ˆÅ÷¸¸Ä ‡]¸Ê’ (‚¸ƒÄœ¸ú‡) ˆ½Å

³Åœ¸ Ÿ¸Ê ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ³Å. 30170 ˆÅ£¸½”õ (¢œ¸Ž¥¸½ ¨¸«¸Ä ²Å.54060 ˆÅ£¸½”õ) ˆ½Å ¨¸¸¢µ¸¦]¡¸ˆÅ œ¸°¸ ˆ½Å 70 ¢›¸Š¸ÄŸ¸ (¢œ¸Ž¥¸½ ¬¸¸¥¸ 126 ¢›¸Š¸ÄŸ¸) ˆÅ¸ ¬¸¿\¸¥¸›¸ ¢ˆÅ¡¸¸ í¾.

2.6 „š¸¸¢£¡¸¸¿ À 31 Ÿ¸¸\¸Ä 2017 ˆÅ¸½ ¤¸ÿˆÅ ˆÅú „š¸¸¢£¡¸¸¿ ¢›¸Ÿ›¸¸›¸º¬¸¸£ œ¸º›¸¢¨¸Äî¸ ¬¸¢í÷¸, ³Å.

8136.65 ˆÅ£¸½”õ £íú;

¢¨¸¨¸£µ¸ 31.03.2017 ˆÅ¸½ £¸¢©¸ 31.03.2016 ˆÅ¸½ £¸¢©¸

(+/-) ˆÅ¸ œÏ¢÷¸©¸÷¸

ˆºÅ¥¸ „š¸¸¢£¡¸¸¿ 8136.65 9228.10 (0.12)„š¸¸¢£¡¸¸¿ - ¬¸ú¤¸ú‡¥¸‚¸½ 0 74.54 (1.00)¢]¸¬¸Ÿ¸Ê ¬¸½ œ¸º›¸¢¨¸Äî¸ 2892.95 4046.17 (0.29)›¸¸¤¸¸”Ä 420 893.34 (0.53)¢›¸¡¸¸Ä÷¸ ‚¸¡¸¸÷¸ ¤¸ÿˆÅ 324.25 331.27 (0.02)ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ 0 500 (1.00)‡›¸‡\¸¤¸ú œ¸º›¸¢¨¸Äî¸ 277.89 370.52 (0.25)Ÿ¸ºÍ¸ œ¸º›¸¢¨¸Äî¸ 370.81 370.81 0.00¢¬¸”¤¸ú 1500 1580.23 (0.05)¤¸¸¿” ‚¸¾£ ¢”¤¸Ê\¸£ œ¸»¿]¸ú ¢¥¸‰¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „š¸¸¢£¡¸¸¿ 5225 5100 0.02

ž¸¸£÷¸ ˆ½Å ¤¸¸í£ „š¸¸¢£¡¸¸¿ 18.65 7.34 1.54‚›¡¸ 0.05 0.05 0.00

„\\¸ ¬÷¸£ œ¸£ œ¸º›¸¢¨¸Äî¸ ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ ˆ½Å ¢¥¸‡ ƒ¬¸ˆÅú ¡¸¸½Š¡¸÷¸¸ ˆ½Å ¤¸¸¨¸]¸»™ ¤¸ÿˆÅ ‚œ¸›¸ú ÷¸£¥¸÷¸¸ ˆÅú ¦¬˜¸¢÷¸, ¢›¸¢š¸ ˆÅú „œ¸¥¸¤š¸÷¸¸ ‚¸¾£ ƒ¬¸ ÷¸£í ˆ½Å œ¸º›¸¢¨¸Äî¸ ˆÅú ¥¸¸Š¸÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸º›¸¢¨¸Äî¸ ˆÅ¸ ¥¸¸ž¸ „“¸÷¸¸ í¾.

2.7 ¢›¸®¸½œ¸ú ¬¸½¨¸¸‡¿• • ¤¸ÿˆÅ ¢¬¸÷¸¿¤¸£ 1999 ¬¸½ íú ž¸¸£÷¸ú¡¸ ˆÊÅÍú¡¸ ¢›¸®¸½œ¸ú ¬¸½¨¸¸‡¿ ¢¥¸¢Ÿ¸’½”

(¬¸ú”ú‡¬¸‡¥¸) ˆÅ¸ ¢›¸®¸½œ¸ú ¬¸íž¸¸Š¸ú (”úœ¸ú) í¾.

• • ¤¸ÿˆÅ ›¸½ Ÿ¸»¥¸ ¬¸½¨¸¸ ”ú-Ÿ¸¾’ ‰¸¸÷¸¸ ¬¸º¢¨¸š¸¸ (¤¸ú‡¬¸”ú‡) ˆÅ¸ ©¸ºž¸¸£¿ž¸ ¢ˆÅ¡¸¸.

2.8 ¤¸ÿˆÅ‡©¡¸¸½£½›¬¸• • ûÅ£¨¸£ú 2017 ˆ½Å Ÿ¸¸í Ÿ¸Ê ¤¸ÿˆÅ‡©¡¸¸½£Ê¬¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸, ¤¸ÿˆÅ ›¸½ Ÿ¸½¬¸¬¸Ä

É¡¸»\¸£ ]¸½›¸£¸¥¸ú (Š¸¾£ ]¸ú¨¸›¸ ¤¸úŸ¸¸ ¿Åœ¸›¸ú) ÷¸˜¸¸ Ÿ¸½¬¸¬¸Ä ¢¬¸Š›¸¸ ’ú’úˆ½Å (¬’ÿ”‚¥¸¸½›¸ ¬¨¸¸¬˜¡¸ ¤¸úŸ¸¸ ˆ¿Åœ¸›¸ú) ›¸¸Ÿ¸ˆÅ ™¸½ ›¸¡¸½ ž¸¸Š¸ú™¸£¸Ê ˆÅ¸½ ]¸¸½”õ¸ í¾.

• • ¤¸ÿˆÅ Å¸½ ž¸¸¢£÷¸ ¬¸ž¸ú œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Å¸ ¤¸úŸ¸¸ ¢›¸£œ¸¨¸¸™ ³Åœ¸ ¬¸½ ¡¸»›¸¸ƒÄ’½” ƒ¿¢”¡¸¸ ƒ›©¡¸¸½£½›¬¸ ˆ¿Åœ¸›¸ú ¢¥¸¢Ÿ¸’½” ÷¸˜¸¸ Ÿ¸½¬¸¬¸Ä É¡¸»\¸£ ]¸½›¸½£¥¸ú ˆ½Å ¬¸¸˜¸ ˆÅú Š¸ƒÄ, ¤¸ÿˆÅ‡©¡¸¸½£Ê¬¸ ¨¡¸¨¸¬˜¸¸ ˆ½Å ‚š¸ú›¸ ¢ˆÅ¡¸¸ ]¸¸‡.

• • 31.03.2017 ˆÅ¸½ ž¸¸£÷¸ú¡¸ ]¸ú¨¸›¸ ¤¸úŸ¸¸ ¢›¸Š¸Ÿ¸ ˆ½Å ¬¸¸˜¸ ¤¸ÿˆÅ‡©¡¸¸½£½›¬¸ ¨¡¸¨¸¬¸¸¡¸ Ÿ¸Ê 1241 ©¸¸‰¸¸‚¸Ê ›¸½ ¥¸¸ÁŠ¸ƒ›¸ ¢ˆÅ¡¸¸ í¾.

• • Ÿ¸í¸¬¨¸¸¬˜¡¸ ¡¸¸½]¸›¸¸ ˆ½Å œÏ\¸¸£ í½÷¸º íŸ¸›¸½ ‡ˆÅ œ¸¸½’Ä¥¸ ˆÅ¸ ¬¸¼]¸›¸ ¢ˆÅ¡¸¸ í¾. ’ú+3 ¢™›¸¸Ê Ÿ¸Ê ¬¸ž¸ú ›¸‡ ÷¸˜¸¸ ›¸¨¸úˆÅ£µ¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ˆÅ¸¡¸Ä ƒ¬¸ œ¸¸½’Ä¥¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾. ‚¤¸ ƒ¿’£›¸½’ ¤¸ÿ¢ˆÅŠ¸ ¬¸º¢¨¸š¸¸ ¨¸¸¥¸¸ ŠÏ¸íˆÅ ‚¸Á›¸¥¸¸ƒÄ›¸ ž¸ºŠ¸÷¸¸›¸ ˆÅ£ˆ½Å ÷¸÷ˆÅ¸¥¸ œ¸¸Á¢¥¸¬¸ú ]¸›¸£½’ ˆÅ£ ¬¸ˆÅ÷¸¸ í¾. ƒ¬¸ ¨¸«¸Ä, 31.03.2017 ÷¸ˆÅ, 79 ¤¸ÿˆÅ ©¸¸‰¸¸‡¿ ¤¸úŸ¸¸ ©¸¸‰¸¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ‹¸¸½¢«¸÷¸ ˆÅú Š¸ƒÄ íÿ.

• • ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ 6993 ]¸ú¨¸›¸ ¤¸úŸ¸¸ œ¸¸Á¢¥¸¢¬¸¡¸¸Â ‡¨¸¿ 102752 Š¸¾£-]¸ú¨¸›¸ œ¸¸Á¢¥¸¢¬¸¡¸¸¿ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ.


12

• The Bank earned a commission of Rs 6.03 crore from life insurance and Rs 4.94 crore for non-life insurance business during the year 2016-17.

2.9 Government Business

• During the year 2016-17, 746218 challans of Direct Taxes and 178751 challans of Indirect taxes were collected by the branches. Our Branches are also collecting other state Govt. taxes including GRAS of Maharashtra State and the total number of Challans collected during the Year is 1189393. Total commission to the tune of Rs 5.64 Cr was received on Tax collection business from Central Government.

• The Bank is processing and crediting monthly pension payments of more than 1,14,886 Central Government, Defence, Railway and Telecom pensioners at Central Pension Processing Cell (CPPC), Pune. The commission on Government Business (Pension) for the Year 2016-17 is Rs. 13.58 Cr.

2.10 Income, Expenditure and Profitability

The total income of the Bank decline from Rs 14072.27 crore in FY 2015-16 to Rs. 13570.03 crore in FY 2016-17

Particulars 2016-17 2015-16 Variation (per cent)

Interest / discount on advances / bills 8469.96 9934.83 (14.74)

Income on investments 2829.47 2735.20 3.45Interest on interbank lending & other Interest 762.53 382.95 99.12

Total interest income 12061.96 13052.98 (7.59)Non-interest income 1508.07 1019.29 47.95Total Income 13570.03 14072.27 (3.57)Interest on deposits 8075.59 8421.88 (4.11)Interest on borrowings 11.61 54.88 (78.84)Other Interest expenditure 800.07 697.52 14.70Staff expenses 1807.29 1540.98 17.28Other Operating expenses 1048.40 1011.83 3.61Total Non-interest expenses 2855.69 2552.81 11.86Total Operating Expenses 11742.96 11727.10 0.14Operating Profit 1827.07 2345.18 (22.09)Provisions and Contingencies 3199.58 2244.49 42.55Net Profit (1372.51) 100.69 (1463.10)

2.11 Financial Ratios

Particulars 2016-17 2015-16EPS (Rs) (11.75) 0.91Cost to Income Ratio (percent) 60.98 52.12Return on assets (percent) (0.86) 0.07Return on equity (per cent) (24.92) 1.39Book value per share (Rs) 46.96 63.36Profit per Branch (Rs in lakh) (72.35) 5.31Profit per employee (Rs in lakh) (10.58) 0.73Business per Branch (Rs in crore) 126.83 132.05Business per employee (Rs in crore) 18.54 18.18Interest income as per cent to Average working funds

7.55 8.71

Non-Interest income as per cent to aver-age working funds

0.94 0.68

Net Interest Margin (per cent) 1.99 2.59

• ¤¸ÿˆÅ ›¸½ ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ]¸ú¨¸›¸ ¤¸úŸ¸¸ ¬¸½ ²Å.6.03 ˆÅ£¸½”õ ‡¨¸¿ Š¸¾£ ]¸ú¨¸›¸ ¤¸úŸ¸¸ ¨¡¸¨¸¬¸¸¡¸ ¬¸½ ²Å.4.94 ˆÅ£¸½”õ ˆÅ¸ ˆÅŸ¸ú©¸›¸ ‚¢]¸Ä÷¸ ¢ˆÅ¡¸¸.

2.9 ¬¸£ˆÅ¸£ú ˆÅ¸£¸½¤¸¸£• • ©¸¸‰¸¸‚¸Ê ×¸£¸ ¨¸«¸Ä 2016-2017 ˆ½Å ™¸¾£¸›¸, ˆºÅ¥¸ 746218 œÏ÷¡¸®¸

ˆÅ£ \¸¸¥¸¸›¸ ‚¸¾£ 178751 ‚œÏ÷¡¸®¸ ˆÅ£¸Ê ˆ½Å \¸¸¥¸¸›¸ ¨¸¬¸»¥¸½ Š¸‡. íŸ¸¸£ú ©¸¸‰¸¸‡¿ Ÿ¸í¸£¸«’ï £¸]¡¸ ˆ½Å ]¸ú‚¸£‡‡¬¸ ¬¸¢í÷¸ ‚›¡¸ £¸]¡¸ ¬¸£ˆÅ¸£¸Ê ˆ½Å ˆÅ£¸Ê ˆÅ¸ ž¸ú ¬¸¿ŠÏíµ¸ ˆÅ£÷¸ú íÿ ‚¸¾£ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ˆºÅ¥¸ 1189393 \¸¸¥¸¸›¸ ¬¸¿ŠÏ¢í÷¸ ¢ˆÅ‡ Š¸‡. ˆÊÅÍ ¬¸£ˆÅ¸£ ¬¸½ ˆÅ£ ¨¸¬¸»¥¸ú ¨¡¸¨¸¬¸¸¡¸ ¬¸½ ²Å.5.64 ˆÅ£¸½”õ ˆÅ¸ ˆºÅ¥¸ ˆÅŸ¸ú©¸›¸ œÏ¸œ÷¸ íº‚¸.

• • ¤¸ÿˆÅ, ½Å›Íú¡¸ œ¸Ê©¸›¸ œÏ¸½¬¸½¢¬¸¿Š¸ Å®¸ (¬¸úœ¸úœ¸ú¬¸ú) œ¸ºµ¸½ Ÿ¸Ê ½Å›Í ¬¸£ˆÅ¸£, £®¸¸, £½¥¸¨¸½ ‚¸¾£ ’½¢¥¸ˆÅ¸ÁŸ¸ ˆ½Å 1,14,886 ¬¸½ ž¸ú ‚¢š¸ˆÅ œ¸Ê©¸›¸£¸Ê ˆÅú Ÿ¸¸¢¬¸ˆÅ œ¸Ê©¸›¸ ˆÅú Š¸µ¸›¸¸ ˆÅ£ „¬¸½ ‰¸¸÷¸½ Ÿ¸Ê ]¸Ÿ¸¸ ˆÅ£›¸½ ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£ £í¸ í¾. ¨¸«¸Ä 2016-17 ˆ½Å ¢¥¸‡ ¬¸£ˆÅ¸£ú ¨¡¸¨¸¬¸¸¡¸ (œ¸Ê©¸›¸) œ¸£ ²Å.13.58 ˆÅ£¸½”õ ˆÅ¸ ˆÅŸ¸ú©¸›¸ œÏ¸œ÷¸ íº‚¸.

2.10 ‚¸¡¸, ¨¡¸¡¸ ‚¸¾£ ¥¸¸ž¸œÏ™÷¸¸

¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ‚¸¡¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2015-16 Ÿ¸Ê ²Å.14072.27 ˆÅ£¸½”õ ¬¸½ ˆÅŸ¸ í¸½ˆÅ£ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17 Ÿ¸Ê ²Å.13570.03 ˆÅ£¸½”õ ˆÅú í¸½ Š¸ƒÄ.

¤¡¸¸½£¸ 2016-17 2015-16 ‚¿÷¸£ (œÏ¢÷¸©¸÷¸)‚¢ŠÏŸ¸¸Ê/¢¤¸¥¸¸Ê œ¸£ ¤¡¸¸]¸/Ž»’ 8469.96 9934.83 (14.74)¢›¸¨¸½©¸¸Ê œ¸£ ‚¸¡¸ 2829.47 2735.20 3.45‚¿÷¸£ ¤¸ÿˆÅ „š¸¸£ú œ¸£ ¤¡¸¸]¸ ‡¨¸¿ ‚›¡¸ ¤¡¸¸]¸ 762.53 382.95 99.12

ˆºÅ¥¸ ¤¡¸¸]¸ ‚¸¡¸ 12061.96 13052.98 (7.59)Š¸¾£ ¤¡¸¸]¸ ‚¸¡¸ 1508.07 1019.29 47.95

ˆºÅ¥¸ ‚¸¡¸ 13570.03 14072.27 (3.57)

]¸Ÿ¸¸ œ¸£ ¤¡¸¸]¸ 8075.59 8421.88 (4.11)„š¸¸£ú œ¸£ ¤¡¸¸]¸ 11.61 54.88 (78.84)‚›¡¸ ¤¡¸¸]¸ ¨¡¸¡¸ 800.07 697.52 14.70ˆÅŸ¸Ä\¸¸£ú ¨¡¸¡¸ 1807.29 1540.98 17.28‚›¡¸ œÏ\¸¸¥¸›¸Š¸÷¸ ¨¡¸¡¸ 1048.40 1011.83 3.61ˆºÅ¥¸ Š¸¾£ ¤¡¸¸]¸ ¨¡¸¡¸ 2855.69 2552.81 11.86

ˆºÅ¥¸ œÏ\¸¸¥¸›¸Š¸÷¸ ¨¡¸¡¸ 11742.96 11727.10 0.14œÏ\¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ 1827.07 2345.18 (22.09)œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ 3199.58 2244.49 42.55¢›¸¨¸¥¸ ¥¸¸ž¸ (1372.51) 100.69 (1463.10)

2.11 ¢¨¸î¸ú¡¸ ‚›¸ºœ¸¸÷¸ À

¢¨¸¨¸£µ¸ 2016-17 2015-16œÏ¢÷¸ ©¸½¡¸£ ‚¸¡¸ (ƒÄœ¸ú‡¬¸) (²Å.) (11.75) 0.91‚¸¡¸ ¬¸½ ¥¸¸Š¸÷¸ ˆÅ¸ ‚›¸ºœ¸¸÷¸ (%) 60.98 52.12‚¸¦¬÷¸¡¸¸Ê œ¸£ ‚¸¡¸(%) (0.86) 0.07ƒ¦Æ¨¸’ú œ¸£ ‚¸¡¸(%) (24.92) 1.39œÏ¢÷¸ ©¸½¡¸£ ¤¸íú Ÿ¸»¥¡¸ (²Å.) 46.96 63.36œÏ¢÷¸ ©¸¸‰¸¸ ¥¸¸ž¸ (²Å. ¥¸¸‰¸ Ÿ¸Ê) (72.35) 5.31œÏ¢÷¸ ˆÅŸ¸Ä\¸¸£ú ¥¸¸ž¸ (²Å. ¥¸¸‰¸ Ÿ¸Ê) (10.58) 0.73œÏ¢÷¸ ©¸¸‰¸¸ ˆÅ¸£¸½¤¸¸£ (²Å. ˆÅ£¸½”õ Ÿ¸Ê) 126.83 132.05œÏ¢÷¸ ˆÅŸ¸Ä\¸¸£ú ˆÅ¸£¸½¤¸¸£ (²Å. ˆÅ£¸½”õ Ÿ¸Ê) 18.54 18.18‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¡¸¸]¸ ‚¸¡¸ 7.55 8.71

‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê Š¸¾£-¤¡¸¸]¸ú ‚¸¡¸ 0.94 0.68

¢›¸¨¸¥¸ ¤¡¸¸]¸ Ÿ¸¸¢]¸Ä›¸ (œÏ¢÷¸©¸÷¸) 1.99 2.59


13

Operating Profit as per cent to average working Funds

1.14 1.56

Staff expenses as a percent to average working funds

1.13 1.03

Dividend (per cent) 0 0Net worth (Rs Crore) 5486.47 7403.05CRAR (%) (Basel III) 11.18 11.20Of which, Tier I (%) 9.01 9.02CET 1 7.28 7.88

2.12 Capital from Government of India

During the March 2017 quarter, Government of India vide its letter no. 7/38/2014-BOA dated 16.03.2017 infused Rs.300.00 crore by way of preferential allotment of equity shares and the amount was maintained under Share application money pending for allotment, till the allotment of equity shares done. However, RBI has allowed to treat share application money pending for allotment as CET1 capital for computation of CRAR.

2.13 Networth

The Bank’s Net Worth stood at Rs.5486.47 crore as on 31.03.2017 as against Rs 7403.05 crore as on 31.03.2016.

2.14 Capital Adequacy Ratio

The Capital Adequacy ratio stood at 11.18% as on 31.03.2017, against the minimum of 10.25% (including CCB) prescribed by RBI in terms of Basel III norms. The Common Equity Tier 1 Ratio (including CCB) stood at 7.28%

2.15 Dividend : Your Directors do not propose any dividend for the FY 2016-17, as the Bank has incurred loss.

3 .1 Branch/ATM Network:

As on 31.03.2017, the total branch network comprised of 1897 branches spread across all the States and 4 union territories. The branch network includes specialized branches in the area of foreign exchange, Government business, Treasury and International Banking, Industrial Finance, Small Scale Industry and Hi-tech agriculture, Pension Payment, Self Help Groups etc.

Area wise classification of branches as on 31.03.2017 is given in the table below:

Sr. No.

Classification As on 31.03.2016

As on 31.03.2017

1 Rural 658 6182 Semi-Urban 434 4343 Urban 366 3434 Metro 437 502

Total 1895 1897

# 36 Branches like Service /Retail Asset/Recovery Br's are converted as a “Back Office” as per RBI Guidelines on 01.06.2014.

ATM NETWORK31.03.2016 31.03.2017

Offsite 577 587Onsite 1284 1291Total 1861 1878

3.2 Human Resources Management

The Bank has put in place a comprehensive HRM Policy that provides the road map for acquiring appropriate & need based human resources, its development through training, job

‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ¬¸½ œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¢£\¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ 1.14 1.56

‚¸¾¬¸÷¸ ˆÅ¸¡¸ÄˆÅ¸£ú ¢›¸¢š¸¡¸¸Ê ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬’¸ûÅ ‰¸\¸Ä 1.13 1.03

¥¸¸ž¸¸¿©¸ (œÏ¢÷¸©¸÷¸) 0 0›¸½’¨¸˜¸Ä (²Å .ˆÅ£¸½”õ Ÿ¸Ê) 5486.47 7403.05¬¸ú‚¸£‡‚¸£(%) ¤¸½¬¸¥¸ III 11.18 11.20¢]¸¬¸Ÿ¸Ê ¬¸½ ¢’¡¸£ - I (%) 9.01 9.02¬¸úƒÄ’ú 1 7.28 7.88

2.12 ž¸¸£÷¸ ¬¸£ˆÅ¸£ ¬¸½ œ¸»¿]¸ú Ÿ¸¸\¸Ä 2017 ¢÷¸Ÿ¸¸íú ˆ½Å ™¸¾£¸›¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸½ ‚œ¸›¸½ ¢™›¸¸¿ˆÅ

16.03.2017 ˆ½Å œ¸°¸ ÇÅ. 7/38 / 2014 - ¤¸ú‚¸½‡ ×¸£¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ‚¢š¸Ÿ¸¸›¸ ‚¸š¸¸£ œ¸£ ‚¸¤¸¿’›¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ³Å. 300.00 ˆÅ£¸½”õ ¥¸Š¸¸‡ ‚¸¾£ ¡¸í £¸¢©¸ ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅ¸ ‚¸¤¸¿’›¸ œ¸»µ¸Ä í¸½›¸½ ÷¸ˆÅ ‚¸¤¸¿’›¸ ˆ½Å ¢¥¸‡ ¥¸¿¢¤¸÷¸ ©¸½¡¸£ ‚¸¨¸½™›¸ £¸¢©¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ £‰¸¸ Š¸¡¸¸ í¾. ÷¸˜¸¸¢œ¸, ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ›¸½ ‚¸¤¸¿’›¸ í½÷¸º ¥¸¿¢¤¸÷¸ ©¸½¡¸£ ‚¸¨¸½™›¸ £¸¢©¸ ˆÅ¸½ ¬¸ú‚¸£‡‚¸£ ˆÅú Š¸µ¸›¸¸ ˆ½Å ¢¥¸‡ ¬¸úƒÄ’ú -1 œ¸»¿]¸ú ˆ½Å ³Åœ¸ Ÿ¸Ê Ÿ¸›¸¸›¸½ ˆÅú ‚›¸ºŸ¸¢÷¸ ™ú í¾.

2.13 ›¸½’¨¸˜¸Ä ¤¸ÿˆÅ ˆÅ¸ ›¸½’¨¸˜¸Ä 31.03.2016 ˆ½Å ²Å.7403.05 ˆÅ£¸½”õ ¬¸½ 31.03.2017

ˆÅ¸½ ²Å. 5486.47 ˆÅ£¸½”õ í¸½ Š¸¡¸¸.2.14 œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ¤¸½¬¸¥¸-——— Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚›¸º¬¸¸£ ÷¸˜¸¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ×¸£¸ ¢›¸š¸¸Ä¢£÷¸

10.25% (¬¸ú¬¸ú¤¸ú ¬¸¢í÷¸) ˆ½Å œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 31.03.2017 ˆÅ¸½ ¤¸ÿˆÅ ˆÅ¸ œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ 11.18% £í¸. ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ’ú¡¸£-1 (¬¸ú¬¸ú¤¸ú ¬¸¢í÷¸) 7.28% £í¸.

2.15 ¥¸¸ž¸¸¿©¸: \¸»¿¢ˆÅ ¤¸ÿˆÅ ˆÅ¸½ í¸¢›¸ íºƒÄ í¾ ‚÷¸À ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17

ˆ½Å ¢¥¸‡ ˆÅ¸½ƒÄ ž¸ú ¥¸¸ž¸¸¿©¸ ˆÅ¸ œÏ¬÷¸¸¨¸ ›¸íì ¢™¡¸¸ í¾.3.1 ©¸¸‰¸¸/‡’ú‡Ÿ¸ ›¸½’¨¸ˆÄÅ: ¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ˆºÅ¥¸ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ Ÿ¸Ê 1897 ©¸¸‰¸¸‡¿ ˜¸ú¿ ]¸¸½

¬¸ž¸ú £¸]¡¸¸Ê ÷¸˜¸¸ 4 ¬¸¿‹¸©¸¸¢¬¸÷¸ ®¸½°¸¸Ê Ÿ¸Ê û¾Å¥¸ú íºƒÄ í¾. ƒ¬¸ ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ Ÿ¸Ê ¢¨¸™½©¸ú Ÿ¸ºÍ¸, ¬¸£ˆÅ¸£ú ˆÅ¸£¸½¤¸¸£, ‰¸]¸¸›¸¸ ‡¨¸¿ ‚¿÷¸££¸«’ïú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ‚¸¾Ô¸¸½¢Š¸ˆÅ ¢¨¸î¸, ¥¸‹¸º „Ô¸¸½Š¸ ÷¸˜¸¸ „\\¸ ÷¸ˆÅ›¸úˆÅ ˆ¼Å¢«¸ ®¸½°¸¸Ê ˆÅú ¢¨¸©¸½«¸±¸ ©¸¸‰¸¸‡¿, œ¸Ê©¸›¸ ž¸ºŠ¸÷¸¸›¸ ©¸¸‰¸¸, ¬¨¸-¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í ƒ÷¡¸¸¢™ ¢¨¸©¸½«¸úˆ¼Å÷¸ ©¸¸‰¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ.

¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ©¸¸‰¸¸‚¸Ê ˆÅ¸ ®¸½°¸¨¸¸£ ¨¸Š¸úÄˆÅ£µ¸ ›¸ú\¸½ ¬¸¸£µ¸ú Ÿ¸Ê ¢™¡¸¸ Š¸¡¸¸ í¾À

‚.ÇÅ. ¨¸Š¸úÄˆÅ£µ¸ 31.3.2016 ˆÅ¸½ 31.03.2017 ˆÅ¸½1 ŠÏ¸Ÿ¸úµ¸ 658 6182 ‚š¸Ä-©¸í£ú 434 4343 ©¸í£ú 366 3434 Ÿ¸í¸›¸Š¸£ú¡¸ 437 502

ˆºÅ¥¸ 1895 1897 # 01.06.2014 ˆ½Å ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 36

©¸¸‰¸¸‚¸Ê ¡¸˜¸¸ ¬¸½¨¸¸/¢£’½¥¸ ‚¸¦¬÷¸/¨¸¬¸»¥¸ú ©¸¸‰¸¸ ˆÅ¸½ `¤¸¾ˆÅ ‚¸Á¢ûÅ¬¸' ˆ½Å ³Åœ¸ Ÿ¸Ê œ¸¢£¨¸¢÷¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

‡’ú‡Ÿ¸ ›¸½’¨¸ˆÄÅ31.03.2016 31.03.2017

‚¸ÁûÅ¬¸¸ƒ’ 577 587‚¸Á›¸¬¸¸ƒ’ 1284 1291

ˆºÅ¥¸ 1861 18783.2 Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ œÏ¤¸¿š¸›¸ ¤¸ÿˆÅ ›¸½ ¨¡¸¸œ¸ˆÅ Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ œÏ¤¸¿š¸›¸ ›¸ú¢÷¸ ¥¸¸Š¸» ˆÅú í¾ ¢]¸¬¸Ÿ¸Ê „œ¸¡¸ºÆ÷¸

‚¸¾£ ‚¸¨¸©¡¸ˆÅ÷¸¸ ‚¸š¸¸¢£÷¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ¢›¸¡¸ºÆ÷¸/÷¸¾¡¸¸£ ˆÅ£›¸½, œÏ¢©¸®¸µ¸, ˆÅ¸¡¸Ä ¬¸¿¨¸š¸Ä›¸, ¤¸½í÷¸£ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú œ¸í\¸¸›¸ ¨¸ œ¸º£¬ˆÅ¸£,


14

enrichment, reward and recognition for better performance, career progression, welfare and retention.

During the year 2016-17 the Bank recruited 127 Officers in Scale I, 1 Security Officer in Scale II, 79 Clerks and 12 Sub-staff.

During the year, 1017 employees ceased to be in service on account of retirement, VRS, resignation, termination and death.

Inter scale promotions of officers were carried out during 2016-17. Following number of candidates were promoted.

JMGS-I TO

MMGS-II

MMGS-II to MMGS

III

MMGS-III TO

SMGS-IV

SMGS-IV TO

SMGS-V

SMGS-V TO

SMGS-VI

SMGS-VI TO

TEGS-VII708 90 108 59 24 4

During the year 2016-17, 19 Substaff were promoted to Clerical cadre.

Cadre wise staff position as of 31.3.2017 with sex ratio percentage is as under :

Category Male % Female % TotalOfficers 4710 73.82 1670 26.18 6380Clerks 3005 63.62 1718 36.38 4723Sub-staff 1682 89.90 189 10.10 1871Total 9397 72.43 3577 27.57 12974

The top three branches in disbursement and recovery of advances to SC/ST community were awarded Rolling Trophy in name of Bharat Ratna Dr. Babasaheb Ambedkar.

The Bank has been allocating up to 3 per cent of its net profit towards various schemes for the welfare of staff including retired staff. The welfare schemes are administered by a Central Welfare Committee consisting of management & employees representatives.

The Bank has healthy industrial relations.

The Bank has been complying with the reservation policy of Govt. of India. Special Cells at Head Office and all Zonal Offices are functioning to monitor the implementation of the reservation policies and to redress grievances of SC/ST/OBC & Physically challenged employees as well as ex-servicemen. The Bank has designated Chief Liaison Officers at Head Office and has set up SC/ST Cells at all Zonal Offices. During the year periodical meetings were held with SC/ST/OBC Employees Association to discuss implementation of reservation policy and other constitutional safe guards and also to facilitate involvement in business growth.

The number of employees belonging to different categories is as under:

S No

Category of Employees

No. of Employees

Percentage to total

1. Women 3577 27.57%2. Physically Challenged 214 1.65%3. SC Employees 2370 18.27%4. ST Employees 1035 7.98%5. OBC Employees 2163 16.67%6. General Employees 7406 57.08%

TOTAL employees working in the Bank

12974

Rosters have been maintained as per Government guidelines and are regularly inspected/ checked.

ˆ¾Å¢£¡¸£ ¢›¸Ÿ¸¸Äµ¸, ˆÅ¥¡¸¸µ¸ ‚¸¾£ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ¬¸¿¬˜¸¸ Ÿ¸Ê ¤¸›¸¸‡ £‰¸›¸½ ÷¸˜¸¸ „›¸ˆ½Å ¢¨¸ˆÅ¸¬¸ í½÷¸º ¡¸¸½]¸›¸¸ ™ú Š¸ƒÄ í¾.

¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú I ˆ½Å 127 ‚¢š¸ˆÅ¸¢£¡¸¸Ê, ¨¸½÷¸›¸Ÿ¸¸›¸ ª½µ¸ú II ˆ½Å 1 ¬¸º£®¸¸ ‚¢š¸ˆÅ¸£ú, 79 ¢¥¸¢œ¸ˆÅ¸Ê ÷¸˜¸¸ 12 ‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ž¸÷¸úÄ ˆÅú í¾.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¬¸½¨¸¸¢›¸¨¸¼¢î¸, ¬¨¸¾¦\ŽˆÅ ¬¸½¨¸¸¢›¸¨¸¼¢î¸, ÷¡¸¸Š¸ œ¸°¸, ¬¸½¨¸¸ ¬¸½ í’¸›¸½ ‡¨¸¿ Ÿ¸¼÷¡¸º ˆ½Å ˆÅ¸£µ¸ 1017 ˆÅŸ¸Ä\¸¸£ú ¬¸½¨¸¸ Ÿ¸Ê ›¸íú¿ £í½ —

2016-17 ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ½Å ¢¥¸‡ ‚¿÷¸¨¸½Ä÷¸›¸Ÿ¸¸›¸ œ¸™¸½››¸¢÷¸ œÏ¢ÇÅ¡¸¸ ‚¸¡¸¸½¢]¸÷¸ ˆÅú Š¸ƒÄ. „ŸŸ¸ú™¨¸¸£¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ œ¸™¸½››¸¢÷¸ œÏ™¸›¸ ˆÅú Š¸ƒÄ À

ˆÅœÏ¨¸½ª½-I ¬¸½ Ÿ¸œÏ¨¸½ª½- II

Ÿ¸œÏ¨¸½ª½- II ¬¸½ Ÿ¸œÏ¨¸½ª½-

III

Ÿ¸œÏ¨¸½ª½- III ¬¸½ ¨¸œÏ¨¸½ª½-IV

¨¸œÏ¨¸½ª½-IV ¬¸½ ¨¸œÏ¨¸½ª½-V

¨¸œÏ¨¸½ª½-V ¬¸½ ¨¸œÏ¨¸½ª½- VI

¨¸œÏ¨¸½ª½- VI ¬¸½ „ˆÅ¸¨¸½ª½-

VII708 90 108 59 24 4

¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ 19 ‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ¢¥¸¢œ¸ˆÅ ¬¸¿¨¸Š¸Ä Ÿ¸Ê œ¸™¸½››¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.

31.03.2017 ½Å ‚›¸º¬¸¸£ ¢¥¸¿Š¸ ‚›¸ºœ¸¸÷¸ ¬¸¢í÷¸ ¬¸¿¨¸Š¸Ä¨¸¸£ Å¸¢Ÿ¸ÄˆÅ ¦¬˜¸¢÷¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À

ª½µ¸ú œ¸º²Å«¸ % Ÿ¸¢í¥¸¸ % ˆºÅ¥¸‚¢š¸ˆÅ¸£ú 4710 73.82 1670 26.18 6380¢¥¸¢œ¸ˆÅ 3005 63.62 1718 36.38 4723‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä\¸¸£ú

1682 89.90 189 10.10 1871

ˆºÅ¥¸ 9397 72.43 3577 27.57 12974 ‚›¸º¬¸»¢\¸÷¸ ]¸¸¢÷¸/‚›¸º¬¸»¢\¸÷¸ ]¸›¸]¸¸¢÷¸ ¬¸Ÿ¸º™¸¡¸¸Ê ˆÅ¸½ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¬¸¿¢¨¸÷¸£µ¸

‡¨¸¿ ¨¸¬¸»¥¸ú Ÿ¸Ê ¬¸¨¸¸½Ä\\¸ 3 ©¸¸‰¸¸‚¸Ê ˆÅ¸½ ž¸¸£÷¸£÷›¸ ”¸Á. ¤¸¸¤¸¸¬¸¸í½¤¸ ‚¸¿¤¸½”ˆÅ£ ˆ½Å ›¸¸Ÿ¸ ¬¸½ \¸¥¸ ’ï¸ûÅú ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.

¤¸ÿˆÅ ‚œ¸›¸½ ¢›¸¨¸¥¸ ¥¸¸ž¸ ¬¸½ ˆÅŸ¸Ä\¸¸£ú ¬¸¢í÷¸ ¬¸½¨¸¸¢›¸¨¸¼î¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆ½Å ˆÅ¥¡¸¸µ¸ í½÷¸º ¢¨¸¢ž¸››¸ ¡¸¸½]¸›¸¸‚¸Ê ˆ½Å ¢¥¸‡ 3% £ˆÅŸ¸ ‚¸¤¸¿¢’÷¸ ˆÅ£÷¸¸ í¾. œÏ¤¸¿š¸›¸ ‡¨¸¿ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆ½Å œÏ¢÷¸¢›¸¢š¸÷¨¸ ¨¸¸¥¸ú ˆ½Å›Íú¡¸ ˆÅ¥¡¸¸µ¸ ¬¸¢Ÿ¸¢÷¸ ×¸£¸ ˆÅ¥¡¸¸µ¸ ¡¸¸½]¸›¸¸‚¸Ê ˆÅ¸½ ¥¸¸Š¸» ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾.

¤¸ÿˆÅ ˆ½Å ‚¸¾Ô¸¸½¢Š¸ˆÅ ¬¸¿¤¸¿š¸ ‚\Ž½ íÿ. ¤¸ÿˆÅ ž¸¸£÷¸ ¬¸£ˆÅ¸£ú ˆÅú ‚¸£®¸µ¸ ›¸ú¢÷¸ ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£÷¸¸ í¾. ‚¸£®¸µ¸

›¸ú¢÷¸¡¸¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸›¸½ í½÷¸º ÷¸˜¸¸ ‚›¸º¬¸»¢\¸÷¸ ]¸¸¢÷¸/‚›¸º¬¸»¢\¸÷¸ ]¸›¸]¸¸¢÷¸/‚›¡¸ ¢œ¸Ž”õ½ ¨¸Š¸Ä ¬¸¸¨¸Ä]¸¢›¸ˆÅ ³Åœ¸ ¬¸½ ‚®¸Ÿ¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ž¸»÷¸œ¸»¨¸Ä ¬¸¾¢›¸ˆÅ¸Ê ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ¢›¸¨¸¸£µ¸ í½÷¸º œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ‡¨¸¿ ¬¸ž¸ú ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ¢¨¸©¸½«¸ ˆÅ®¸ ˆÅ¸¡¸Ä£÷¸ íÿ. ¤¸ÿˆÅ ›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬÷¸£ œ¸£ Ÿ¸º‰¡¸ ¬¸¿œ¸ˆÄÅ ‚¢š¸ˆÅ¸£ú ˆÅ¸½ ›¸¸¢Ÿ¸÷¸ ¢ˆÅ¡¸¸ í¾ ÷¸˜¸¸ ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ‚›¸º¬¸»¢\¸÷¸ ]¸¸¢÷¸/‚›¸º¬¸»¢\¸÷¸ ]¸›¸]¸¸¢÷¸ ˆÅ®¸ ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú Š¸ƒÄ í¾. ‚¸£®¸µ¸ ›¸ú¢÷¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ÷¸˜¸¸ ‚›¡¸ ¬¸¿¨¸¾š¸¸¢›¸ˆÅ ¬¸¿£®¸µ¸¸Ê ‡¨¸¿ ¬¸¸˜¸ íú ¡¸¨¸¬¸¸¡¸ ¸¼¢Ö Ÿ¸Ê ¬¸íž¸¸¢Š¸÷¸¸ ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê \¸\¸¸Ä í½÷¸º ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‡¬¸¬¸ú/‡¬¸’ú/‚¸½¤¸ú¬¸ú ˆÅŸ¸Ä\¸¸£ú ¬¸¿Š¸“›¸ ˆ½Å ¬¸¸˜¸ ‚¸¨¸¢š¸ˆÅ ¤¸¾“ˆÅ¸Ê ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.

¢¨¸¢ž¸››¸ ª½µ¸ú ˆ½Å ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À

‚.ÇÅ. ¢¨¸¨¸£µ¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸

ˆºÅ¥¸ ¬¸½ œÏ¢÷¸©¸÷¸

1. Ÿ¸¢í¥¸¸ ˆÅŸ¸Ä\¸¸£ú 3577 27.57%2. ¢¨¸ˆÅ¥¸¸¿Š¸ ˆÅŸ¸Ä\¸¸£ú 214 1.65%3. ‚›¸º¬¸»¢\¸÷¸ ]¸¸¢÷¸ ˆÅŸ¸Ä\¸¸£ú 2370 18.27%4. ‚›¸º¬¸»¢\¸÷¸ ]¸›¸]¸¸¢÷¸ ˆÅŸ¸Ä\¸¸£ú 1035 7.98%5. ‚›¡¸ ¢œ¸Ž”õú ]¸¸¢÷¸ ˆÅŸ¸Ä\¸¸£ú 2163 16.67%6. ¬¸¸Ÿ¸¸›¡¸ ˆÅŸ¸Ä\¸¸£ú 7406 57.08%

¤¸ÿˆÅ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ ˆºÅ¥¸ ˆÅŸ¸Ä\¸¸£ú 12974 ¬¸£ˆÅ¸£ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸›¸º¬¸¸£ £¸½¬’¬¸Ä £‰¸½ ]¸¸÷¸½ íÿ ÷¸˜¸¸ ƒ›¸ˆÅú

¢›¸£ú®¸µ¸/]¸¸¿\¸ ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ ˆÅú ]¸¸÷¸ú í¾.


15

Compassionate Appointments - A Scheme for ‘Compassionate Appointments’ / Payment of Ex-gratia lump-sum amount“ to /of heirs of employees dying in harness or retiring due to incapacitation framed as per the directives of Government of India, has been implemented. The details of compassionate appointments and payment of Ex-gratia lump-sum amount for the year 2016-17 is as under :

Compassionate Appointments Payment of ExgratiaCadre No.of

employeesNo.of

employeesAmount paid

Clerk 6 2 Rs.14.00 LacsSubstaff 12 2 Rs.12.00 Lacs

The Contributory Group Insurance Mediclaim Policy for all employees including retired employees, has been renewed w.e.f. 1.4.2017 and the Sum insured is increased upto Rs.10.00 Lakhs for existing employees. The details of renewal of policy are as under :

Employees No.of Employees Premium paidExisting 970 117.30Retired 1740 219.44Total 2710 336.74

The reimbursement of examination fees & payment of cash incentive / Honorarium in respect of courses from Indian Institute of Banking & Finance, MBA from reputed Institutions & CFA has been widened by adding three more courses in the list of courses for reimbursement of fees thereby making total 25 courses eligible for reimbursement of examination fees.

A policy for granting special leave and 100% reimbursement of hospitalization expenses to officers when he meets with an accident / injury while on duty is in place.

Policy for ‘granting incentives, to officers posted & transferred in North eastern zones from other zones’ framed as per the directives of Government of India.

Training Activities:

The Bank has a training system which facilitates attention to regular periodic assessment of skill gaps at various levels in relation to existing and emerging business opportunities. Skill building in credit, Forex, customer relationship management, marketing of products and services, credit monitoring and recovery, risk management, technology based banking, branch management, complying with statutory, legal and policy requirements and preventive vigilance received special attention during the year.

Training programs were also held on thrust areas like financing SMEs, retail lending, agriculture finance, soft skills and rural development.

Cadre-wise Break up of Employees trained during the period 1.4.2016 to 31.03.2017 are as under-

Cadre No. of Prog Training Days

Employees Trained

Officers 146 563 3984Clerks 44 102 684S/staff 40 76 619Total 230 741 5287

3.3 Technology Initiatives

The Bank had taken of & successfully initiated / launched various Major IT Projects during 2016-2017 which are enumerated as under:

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‚¿©¸™¸¡¸ú ¬¸Ÿ¸»í ¤¸úŸ¸¸ Ÿ¸½¢”Æ¥¸½Ÿ¸ œ¸¸Á¢¥¸¬¸ú ¡¸í œ¸¸Á¢¥¸¬¸ú ¬¸ž¸ú ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ¬¸¢í÷¸ ¬¸½¨¸¸¢›¸¨¸¼î¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ž¸ú „œ¸¥¸¤š¸ í¾ ¢]¸¬¸ˆÅ¸ ›¸¨¸ú›¸úˆÅ£µ¸ 01.04.2017 ¬¸½ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸˜¸¸ ¨¸÷¸ÄŸ¸¸›¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ¤¸úŸ¸¸ ˆÅú £ˆÅŸ¸ ¤¸[õ¸ˆÅ£ ²Å.10.00 ¥¸¸‰¸ ˆÅú Š¸ƒÄ. œ¸¸Á¢¥¸¬¸ú ˆ½Å ›¸¨¸úˆÅ£µ¸ ˆÅ¸ ¤¡¸¸¾£¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾:

ˆÅŸ¸Ä\¸¸£ú ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ¬¸¿‰¡¸¸ œÏ™î¸ œÏú¢Ÿ¸¡¸Ÿ¸¢¨¸Ô¸Ÿ¸¸›¸ 970 117.30¬¸½¨¸¸¢›¸¨¸¼î¸ 1740 219.44ˆºÅ¥¸ 2710 336.74

ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ¢¨¸î¸ ¬¸¿¬˜¸¸›¸ ˆ½Å œ¸¸“Ã¡¸ÇÅŸ¸¸Ê ‡¨¸¿ œÏ¢÷¸¦«“÷¸ ¬¸¿¬˜¸¸›¸¸Ê ¬¸½ ‡Ÿ¸¤¸ú‡ ‡¨¸¿ ¬¸ú‡ûÅ‡ ˆ½Å œ¸¸“Ã¡¸ÇÅŸ¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸£ú®¸¸ ©¸º¥ˆÅ ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä ÷¸˜¸¸ ›¸ˆÅ™ œÏ¸½÷¬¸¸í›¸/Ÿ¸¸›¸š¸›¸ ˆÅ¸ ž¸ºŠ¸÷¸¸›¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ ˜¸¸ ¢]¸¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸¸“Ã¡¸ÇÅŸ¸¸Ê ˆÅú ¬¸»\¸ú Ÿ¸Ê ÷¸ú›¸ ‚¢÷¸¢£Æ÷¸ œ¸¸“Ã¡¸ÇÅŸ¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¢]¸›¸ˆ½Å ©¸º¥ˆÅ ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú ]¸¸‡Š¸ú. ƒ¬¸ˆ½Å ¬¸¸˜¸ ‚¤¸ œ¸£ú®¸¸ ©¸º¥ˆÅ ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä í½÷¸º ˆºÅ¥¸ 25 œ¸¸“Ã¡¸ÇÅŸ¸¸Ê ˆÅ¸½ œ¸¸°¸ ‹¸¸½¢«¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

¢ˆÅ¬¸ú ¬˜¸¸›¸ œ¸£ ”Ã¡¸»’ú ˆ½Å ™¸¾£¸›¸ ‚¢š¸ˆÅ¸£ú ˆÅú ™º‹¸Ä’›¸¸/]¸‰Ÿ¸ú í¸½›¸½ œ¸£ ‚¬œ¸÷¸¸¥¸úˆÅ£µ¸ ¨¡¸¡¸¸Ê ˆÅú 100% œÏ¢÷¸œ¸»¢÷¸Ä ˆ½Å ¬¸¸˜¸ „¬¸½ ¢¨¸©¸½«¸ Žº’Ã’ú œÏ™¸›¸ ˆÅ£›¸½ ˆÅú ›¸ú¢÷¸ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ í¾.

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œÏ¢©¸®¸µ¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿: ¨¸÷¸ÄŸ¸¸›¸ ‡¨¸¿ „ž¸£÷¸ú íº‡ ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ ‚¨¸¬¸£¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¨¸¢ž¸››¸ ¬÷¸£¸Ê

œ¸£ ˆÅ¸¾©¸¥¸ ˆ½Å ‚ž¸¸¨¸ ˆ½Å ¢›¸¡¸¢Ÿ¸÷¸ ‚¸¨¸¢š¸ˆÅ ¢›¸š¸¸Ä£µ¸ ˆÅú ‚¸½£ š¡¸¸›¸ ¢™¥¸¸›¸½ í½÷¸º ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡ˆÅ œÏ¢©¸®¸µ¸ œÏµ¸¸¥¸ú „œ¸¥¸¤š¸ í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ †µ¸ Ÿ¸Ê ˆÅ¸¾©¸¥¸ ¢›¸Ÿ¸¸Äµ¸, ¢¨¸™½©¸ ¢¨¸¢›¸Ÿ¸¡¸, ŠÏ¸íˆÅ ¬¸¿¤¸¿š¸ œÏ¤¸¿š¸›¸, ¢¨¸¢ž¸››¸ „÷œ¸¸™¸Ê ‡¨¸¿ ¬¸½¨¸¸‚¸Ê ˆÅ¸ ¢¨¸œ¸µ¸›¸, †µ¸ ¢›¸Š¸£¸›¸ú ‡¨¸¿ ¨¸¬¸»¥¸ú, ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸, ÷¸ˆÅ›¸úˆÅ ‚¸š¸¸¢£÷¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ©¸¸‰¸¸ œÏ¤¸¿š¸›¸, ¬¸¸¿¢¨¸¢š¸ˆÅ ˆÅ¸›¸»›¸ú ‡¨¸¿ ›¸ú¢÷¸Š¸÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸, œÏ¢÷¸£¸½š¸ˆÅ ¬¸÷¸ˆÄÅ÷¸¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ¢¨¸©¸½«¸ š¡¸¸›¸ ¢™¡¸¸ Š¸¡¸¸.

‡¬¸‡Ÿ¸ƒÄ ˆÅ¸½ ¢¨¸î¸œ¸¸½«¸µ¸, ‰¸º™£¸ „š¸¸£ú, ˆ¼Å¢«¸ ¢¨¸î¸, ¬¸¸ÁÉ’ ˆÅ¸¾©¸¥¸ ‡¨¸¿ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ]¸¾¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ®¸½°¸¸Ê œ¸£ ž¸ú œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ ‚¸¡¸¸½¢]¸÷¸ ¢ˆÅ‡ Š¸‡.

01.04.2016 ¬¸½ 31.03.2017 ˆÅú ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ œÏ¢©¸¢®¸÷¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸ ¬¸¿¨¸Š¸Ä¨¸¸£ ¤¡¸¸¾£¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ í¾ À

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œÏ¢©¸¢®¸÷¸ ˆÅŸ¸Ä\¸¸£ú

‚¢š¸ˆÅ¸£ú 146 563 3984¢¥¸¢œ¸ˆÅ 44 102 684‚š¸ú›¸¬˜¸ ˆÅŸ¸Ä\¸¸£ú 40 76 619ˆºÅ¥¸ 230 741 5287

3.3 œÏ¸¾Ô¸¸½¢Š¸ˆÅú œ¸í¥¸Ê 2016-2017 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ›¸½ ¢¨¸¢ž¸››¸ œÏŸ¸º‰¸ ‚¸ƒÄ’ú œ¸¢£¡¸¸½]¸›¸¸‡¿ ©¸º³Å

ˆÅú ‚¸¾£ ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ‚¸£¿ž¸/¥¸¸¿\¸ ˆÅú ]¸¸½ ¢›¸Ÿ›¸¸›¸º¬¸¸£ ¬¸»\¸ú¤¸Ö ˆÅú Š¸ƒÄ í¾À


16

1. During the Year 2016-17, Upgrade of Contact Center Operations including Integrated Voice Response System (IVRS) was successfully done & System is made operational

2. Bank launched ‘MahaUPI’, its UPI mobile application from 26/08/2016. As on 31/03/2017, 1,10,749 customers are registered for UPI.

3. ISO 27001:2013 Re-Certification achieved by the bank during September 2016, for its 4 IT Divisions, thereby continuing the Quality ISMS (Information Security Management System) in our Bank.

4. Cheque Truncation System (CTS) is implemented at all South Grid Centers as per RBI directives..

5. Bank started the Paper-less ATM-RePIN facility (Green PIN) for ATM Card through its ATM Machines. This facility overcomes all shortcomings of the conventional re-pin request process.

6. As per Directives of GOI received from time to time during the Demonetization Phase, Bank has effected timely changes in ATM Cash Withdrawal Limits. Also, the Bank successfully completed the massive exercise of physically recalibrating all its 1878 ATMs in time bound manner. These ATMs have been recalibrated on account of demonetization, for the New Rs.500 & Rs.2000 notes.

7. New Internet Banking Portal is launched for Retail Customers.

8. Bank has implemented Self Update Pass Book Printers & Bunch Note Acceptor Machines in a big way at various locations across the Bank. The same shall be continued to ensure fulfilment of customer requirements/satisfaction.

Bank’s Own EFT Switch, is helping the bank to derive significant advantages like reduced turn-around-time to introduce new ATM Product, Better customer experience, Reduced risk, Instant Hot-listing of a card through multiple channels, Value Added Services etc.

Bank has collaborated with VISA for International Debit Cards and with NPCI for Rupay Debit Cards. Bank has commenced issue of Rupay Platinum Cards. As on 31/03/2017, the total ATM card base of the Bank stood at 64.54 Lakhs, which includes 1.11 Lakh Rupay Platinum Chip cards.

Bank’s Internet Banking, Mobile Banking, UPI & other online applications are well received by our Customers. As on 31/03/2017, the number of customers registered for Internet Banking, Mobile Banking & UPI stood at 6.97 Lakhs, 2.92 lakhs & 1.11 Lakhs respectively.

Various facilities are being provided through our Internet Banking platform for facilitating online payment of taxes, utility bill payments, online shopping / e-commerce, railway reservation, LIC premium payment, e-SBTR etc and facility for viewing tax credit statement 26AS and Demat account with the Bank.

Bank has robust Information Security Management System (ISMS) framework in place. Its information security policy statement being: “Bank of Maharashtra is committed to protect and safeguard the critical information of all stakeholders in order to ensure secure business operations”. Bank has also implemented major security initiatives recommended by Gopalakrishna Committee for internal and external customers.

Bank has in place a captive Security Operations Centre (SOC) for monitoring Critical IT Infrastructure on 24 x 7 basis. The process for revamping the existing Security Operation Center (SOC) to Cyber Security Operations Center (CSOC), as per RBI Directives is initiated & in progress.

Bank is handling the e-Payments of State Government Taxes of Maharashtra, Karnataka, Tamil Nadu, Madhya Pradesh & Rajasthan States.

1. ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ‡ˆÅúˆ¼Å÷¸ ¨¸¸ƒ¬¸ ¢£¬œ¸¸¿¬¸ ¢¬¸¬’Ÿ¸ (‚¸ƒÄ¨¸ú‚¸£‡¬¸) ¬¸¢í÷¸ ¬¸¿œ¸ˆÄÅ ˆÊÅÍ ¬¸¿\¸¸¥¸›¸ ˆÅ¸ „››¸¡¸›¸ ‚¸¾£ ¢¬¸¬’Ÿ¸ œ¸¢£\¸¸¥¸›¸ ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ¢ˆÅ¡¸¸ Š¸¡¸¸.

2. ¤¸ÿˆÅ ›¸½ 'Ÿ¸í¸¡¸»œ¸ú‡' ˆÅ¸ ©¸ºž¸¸£¿ž¸ ¢ˆÅ¡¸¸, ƒ¬¸ˆÅú ¡¸»œ¸ú‚¸ƒÄ Ÿ¸¸½¤¸¸ƒ¥¸ ‚¸¨¸½™›¸ ¢™›¸¸¿ˆÅ 26/08/2016 ¬¸½ ©¸º³Å íºƒÄ. 31/03/2017 ˆÅ¸½ ¡¸»œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡ 1,10,749 ŠÏ¸íˆÅ œ¸¿]¸úˆ¼Å÷¸ íÿ.

3. ¢¬¸÷¸¿¤¸£ 2016 ˆÅ¸½ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ 4 ¬¸»\¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú ¢¨¸ž¸¸Š¸¸Ê ˆ½Å ¢¥¸‡ ‚Ô¸÷¸›¸ ‚¸ƒÄ‡¬¸‚¸½ 27001À2013 œÏŸ¸¸µ¸›¸ í¸¢¬¸¥¸ ¢ˆÅ¡¸¸ í¾, ƒ¬¸ˆ½Å ¬¸¸˜¸ íŸ¸¸£½ ¤¸ÿˆÅ Ÿ¸Ê Š¸ºµ¸¨¸î¸¸ ‚¸ƒÄ‡¬¸‡Ÿ¸‡¬¸ (¬¸»\¸›¸¸ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ œÏµ¸¸¥¸ú) ]¸¸£ú í¾.

4. ¢£]¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¬¸ž¸ú ™¢®¸µ¸ ¢ŠÏ” ˆÊÅÍ¸Ê œ¸£ \¸½ˆÅ ’ï¿ˆ½Å©¸›¸ ¢¬¸¬’Ÿ¸ (¬¸ú’ú‡¬¸) ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾.

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6. ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ \¸£µ¸ ˆ½Å ™¸¾£¸›¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ¬¸½ œÏ¸œ÷¸ ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£, ¤¸ÿˆÅ ›¸½ ‡’ú‡Ÿ¸ ›¸ˆÅ™ ¢›¸ˆÅ¸¬¸ú ¬¸úŸ¸¸ Ÿ¸Ê ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ œ¸¢£¨¸÷¸Ä›¸ ¥¸¸Š¸» ¢ˆÅ¡¸½ íÿ. ¬¸¸˜¸ íú, ¤¸ÿˆÅ ›¸½ ¬¸Ÿ¸¡¸¤¸Ö [¿Š¸ ¬¸½ ¬¸ž¸ú 1878 ‡’ú‡Ÿ¸ ˆÅ¸½ ž¸¸¾¢÷¸ˆÅ ³Åœ¸ ¬¸½ ¢£ˆ¾Å¢¥¸¤Ï½’ ˆÅ£›¸½ ˆÅú Ÿ¸º¢íŸ¸ ¤¸”õ½ œ¸¾Ÿ¸¸›¸½ œ¸£ œ¸»£ú ˆÅú Š¸ƒÄ. ƒ›¸ ‡’ú‡Ÿ¸ ˆÅ¸½ ²Å 500 ‚¸¾£ ²Å 2000 ˆ½Å ›¸¡¸½ ›¸¸½’Ã¬¸ ˆ½Å ¢¥¸‡ ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ ˆ½Å ˆÅ¸£µ¸ ¢£ˆ¾Å¢¥¸¤Ï½’ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

7. ¢£’½¥¸ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ›¸¡¸¸ ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¸½’Ä¥¸ ¥¸¸Á›\¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.8 ¤¸ÿˆÅ ›¸½ œ¸»£½ ¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸ ¬˜¸¸›¸¸Ê œ¸£ ¤¸”õ½ œ¸¾Ÿ¸¸›¸½ Ÿ¸Ê ¬¨¸¡¸¿ ‚œ¸”½’ œ¸¸¬¸

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íŸ¸¸£½ ŠÏ¸íˆÅ¸Ê ×¸£¸ ¤¸ÿˆÅ ˆÅú ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸, Ÿ¸¸½¤¸¸ƒÄ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸, ¡¸»œ¸ú‚¸ƒÄ ÷¸˜¸¸ ‚›¡¸ ‚¸Á›¸¥¸¸ƒÄ›¸ ‚¸¨¸½™›¸ œÏ¸œ÷¸ ¢ˆÅ‡ Š¸‡. ¢™›¸¸¿ˆÅ 31.3.2017 ˆ½Å ‚›¸º¬¸¸£, ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸, Ÿ¸¸½¤¸¸ƒÄ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ÷¸˜¸¸ ÷¸˜¸¸ ¡¸»œ¸ú‚¸ƒÄ ˆ½Å ¢¥¸‡ ÇÅŸ¸©¸À 6.97 ¥¸¸‰¸, 2.92 ¥¸¸‰¸ ÷¸˜¸¸ 1.11 ¥¸¸‰¸ ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸¿‰¡¸¸ œ¸¿]¸úˆ¼Å÷¸ ˆÅú Š¸ƒÄ.

ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¥¸¾’ûÅ¸ÁŸ¸Ä ¬¸½ ¢¨¸¢ž¸››¸ ¬¸º¢¨¸š¸¸‡¿ ¡¸˜¸¸ ˆÅ£¸Ê ˆ½Å ‚¸Á›¸¥¸¸ƒÄ›¸ ž¸ºŠ¸÷¸¸›¸, „œ¸¡¸¸½¢Š¸÷¸¸ ¢¤¸¥¸ ž¸ºŠ¸÷¸¸›¸¸Ê, ‚¸Á›¸¥¸¸ƒÄ›¸ ©¸¸Á¢œ¸¿Š¸/ƒÄ-ˆÅ¸ÁŸ¸¬¸Ä, £½¥¸¨¸½ ‚¸£®¸µ¸, ‡¥¸‚¸ƒÄ¬¸ú œÏú¢Ÿ¸¡¸Ÿ¸ ž¸ºŠ¸÷¸¸›¸, ƒÄ-‡¬¸¤¸ú’ú‚¸£ ƒ÷¡¸¸¢™ ÷¸˜¸¸ ¤¸ÿˆÅ Ÿ¸Ê ’¾Æ¬¸ Ç½Å¢”’ ¬’½’Ÿ¸Ê’ 26‡‡¬¸ ‡¨¸¿ ”úŸ¸¾’ ‰¸¸÷¸¸ ‚¨¸¥¸¸½ˆÅ›¸ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅú Š¸ƒÄ í¾.

¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ¬¸©¸Æ÷¸ ¬¸»\¸›¸¸ ¬¸º£®¸¸ œÏ¤¸¿š¸›¸ œÏµ¸¸¥¸ú (‚¸ƒÄ‡¬¸‡Ÿ¸‡¬¸) [¸¿\¸¸ „œ¸¥¸¤š¸ í¾. „¬¸ˆÅ¸ ¬¸»\¸›¸¸ ¬¸º£®¸¸ ¬¸¿¤¸¿š¸ú ›¸ú¢÷¸Š¸÷¸ ¤¸¡¸¸›¸ í¾ `¬¸º£¢®¸÷¸ ¨¡¸¨¸¬¸¸¡¸ œÏ\¸¸¥¸›¸¸Ê ˆÅ¸½ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ í½÷¸º ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ¬¸ž¸ú ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅú Ÿ¸í÷¨¸œ¸»µ¸Ä ]¸¸›¸ˆÅ¸£ú ˆÅ¸½ ¬¸¿£¢®¸÷¸ ‡¨¸¿ ¬¸º£¢®¸÷¸ £‰¸›¸½ í½÷¸º œÏ¢÷¸¤¸Ö í¾.' ¤¸ÿˆÅ ›¸½ Š¸¸½œ¸¸¥¸ˆ¼Å«µ¸ ¬¸¢Ÿ¸¢÷¸ ×¸£¸ ‚¸¿÷¸¢£ˆÅ ‡¨¸¿ ¤¸¸à¸ ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸º£®¸¸ œ¸í¥¸¸Ê ¬¸¿¤¸¿š¸ú ‚¢š¸ˆÅ¸¿©¸ ¢¬¸ûÅ¸¢£©¸¸Ê ˆÅ¸½ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ¢ˆÅ¡¸¸ í¾.

¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ ‡ˆÅ ¬¸ú¢Ÿ¸÷¸ ¬¸º£®¸¸ œÏ\¸¸¥¸›¸ ˆ½Å›Í (‡¬¸‚¸½¬¸ú) „œ¸¥¸¤š¸ í¾ ]¸¸½ ¢ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä ‚¸ƒÄ’ú ¬¸¿£\¸›¸¸ œ¸£ 24x7 ‚¸š¸¸£ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸÷¸¸ í¾. ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸¾]¸»™¸ ¬¸º£®¸¸ ‚¸Áœ¸£½©¸›¸ ¬¸Ê’£ (‡¬¸‚¸½¬¸ú) ˆÅ¸½ ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ œÏ\¸¸¥¸›¸ ˆ½Å›Í (¬¸ú‡¬¸‚¸½¬¸ú) ˆÅ¸½ œ¸º›¸]¸úÄ¢¨¸÷¸ ˆÅ£›¸½ ˆÅú œÏ¢ÇÅ¡¸¸ ©¸º³Å ˆÅú Š¸ƒÄ í¾ ‚¸¾£ œÏŠ¸¢÷¸ œ¸£ í¾.

Ÿ¸í¸£¸«’ï, Å›¸¸Ä’ˆÅ, ÷¸¢Ÿ¸¥¸›¸¸”», Ÿ¸š¡¸ œÏ™½©¸ ‡¨¸¿ £¸]¸¬˜¸¸›¸ £¸]¡¸ ¬¸£ˆÅ¸£¸Ê ˆ½Å ˆÅ£¸Ê ˆ½Å ƒÄ-ž¸ºŠ¸÷¸¸›¸¸Ê ˆÅ¸ ˆÅ¸¡¸Ä ¤¸ÿˆÅ ¬¸¿ž¸¸¥¸ £í¸ í¾.


17

Inward Clearing in Mumbai, Pune & Ahmedabad Centers is already outsourced. Clearing processing for outward clearing was made live in Nagpur Zone during April 2016. It is being extended to Pune Centers in a phased manner, so as to move towards the goal of Centralized Clearing in future.

In the coming FY 2017-2018, Bank proposes to take up / implement the following IT Initiatives -

1. CBS Contract Renewal.

2. Cyber Security Operations Centre (CSOC)

3. Additional Network Service Provider for Leased Line / VSAT Branches

4. LMS- end to end- LOS to Recovery, OTS, EWS, Lead Management etc

5. International Financial Reporting Standards (IFRS).

6. Upgrade of MIS ADF system.

7. Integrated Risk Management Solution.

8. SWIFT DR setup.

3.4 Customer Centric Initiatives taken by the Bank The Bank has pursued high standards of customer service

to ensure customer satisfaction throughout the year by implementing all major recommendations of Goiporia Committee, Dr. S.S. Tarapore Committee and Damodaran Committee.

As a member of Banking Codes and Standards Board of India (BCSBI), Bank has adopted Code of Bank’s Commitment to Customer and Bank’s Code of Commitment to MSMEs.

Bank has printed folder called as “My Folder” containing all customer service policies, information on service charges, guidelines on Government Schematic Loans, Ombudsman and BCSBI Codes. The same is printed in Marathi, Hindi and English and supplied to all branches and Zones for making the same available to all customers on demand.

Duly documented policies approved by the Board, on “Deposits”, “Collection of Cheques”, “Redressal of Grievances”, “Compensation” , “Operational Procedure for Settlement of Claims of Deceased Depositors” and Customer Rights Policy are in place.

Customer Service Committees are formed at all branches and their meetings are conducted regularly on monthly basis. The Standing Committee on Customer Service at Head Office and Zonal Level Customer Service Committees at Zones, meet regularly to address and review various customer related matters and to take steps, for an improvement, on an ongoing basis.

The Committee of the Board on Customer Service meets on quarterly basis to monitor the quality of the customer service, redressal of customer grievances and to ensure customers satisfaction.

Full-fledged grievances Redressal machinery is in place to respond promptly to customer grievances. The Bank has started internet based mechanism, Standardized Public Grievances Redressal System (SPGRS) for lodging the complaints or to give suggestions / feedback on services by the customers and for providing acknowledgement and status of their feedback / complaints as per the directions of Government of India.

Sr. No.

Particulars 2015-16 2016-17

1 Customer complaints at the beginning of the year

2 73

2 Complaints received during the year 3218 29123 Complaints redressed during the year 3147 29314 Complaints pending at the end of the year 73 54

Ÿ¸º¿¤¸ƒÄ, œ¸ºµ¸½, ‚íŸ¸™¸¤¸¸™ ˆ½Å›Í¸Ê ˆ½Å ‚¸¨¸ˆÅ ¬¸Ÿ¸¸©¸¸½š¸›¸ ˆÅ¸½ œ¸í¥¸½ íú ‚¸„’¬¸¸½¬¸Ä ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ‚¤¸ íŸ¸›¸½ ‚œÏ¾¥¸ 2016 ˆ½Å ™¸¾£¸›¸ ›¸¸Š¸œ¸º£ Ÿ¸Ê ]¸¸¨¸ˆÅ ¬¸Ÿ¸¸©¸¸½š¸›¸ ˆÅ¸ ‚¸„’¬¸¸½¬¸Ä ‚¸£¿ž¸ ¢ˆÅ¡¸¸ í¾. ƒ¬¸½ \¸£µ¸¤¸Ö ÷¸£úˆ½Å ¬¸½ œ¸ºµ¸½ ˆÊÅÍ ÷¸ˆÅ ¤¸[õ¸¡¸¸ ]¸¸ £í¸ í¾, ÷¸¸¢ˆÅ ž¸¢¨¸«¡¸ Ÿ¸Ê ˆ½Å›Íúˆ¼Å÷¸ ¬¸Ÿ¸¸©¸¸½š¸›¸ ˆ½Å ¥¸®¡¸ ˆÅú ¢™©¸¸ Ÿ¸Ê ‚¸Š¸½ ¤¸[õ ¬¸ˆÊÅ.

‚¸Š¸¸Ÿ¸ú ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2017-2018 Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸»\¸›¸¸ œÏ¸¾Ô¸¸½¢Š¸ˆÅú œ¸í¥¸¸Ê ˆÅ¸½ ‚œ¸›¸¸›¸½/ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ˆÅ£›¸½ ˆÅ¸ œÏ¬÷¸¸¨¸ ¢ˆÅ¡¸¸ í¾ - 1. ¬¸ú¤¸ú‡¬¸ ¬¸¿¢¨¸™¸ ›¸¨¸úˆÅ£µ¸ 2. ¬¸¸ƒ¤¸£ ¬¸º£®¸¸ œ¸¢£\¸¸¥¸›¸ ˆÊÅÍ (¬¸ú‡¬¸‚¸½¬¸ú) 3. ¥¸ú]” ¥¸¸ƒ›¸/ ¨¸ú-¬¸¾’ ©¸¸‰¸¸‚¸Ê ˆ½Å ¢¥¸‡ ‚¢÷¸¢£Æ÷¸ ›¸½’¨¸ˆÄÅ ¬¸½¨¸¸

œÏ™¸÷¸¸ 4. ¨¸¬¸»¥¸ú, ‚¸½’ú‡¬¸, ƒÄ”¤¥¡¸»‡¬¸, ‚ŠÏµ¸ú œÏ¤¸¿š¸›¸ ‚¸¢™ ˆ½Å ‡¥¸‡Ÿ¸‡¬¸

- ‡¿” ’» ‡¿” - ‡¥¸‚¸½‡¬¸ 5. ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸ˆÅ (‚¸ƒÄ‡ûÅ‚¸£‡¬¸) 6. ‡Ÿ¸‚¸ƒÄ‡¬¸ ‡”ú‡ûÅ œÏµ¸¸¥¸ú ˆÅ¸ ˆÅ¸½¢’„››¸¡¸›¸ 7. ¬¸Ÿ¸¦›¨¸÷¸ ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¸½¥¡¸»©¸›¸

8. ¬¨¸úÉ’ ”ú‚¸£ ¬¸½’‚œ¸3.4 ¤¸ÿˆÅ ×¸£¸ ˆÅú Š¸ƒÄ ŠÏ¸íˆÅ „›Ÿ¸º‰¸ œ¸í¥¸ ¤¸ÿˆÅ ›¸½ Š¸¸½ƒÄœ¸¸½¢£¡¸¸ ¬¸¢Ÿ¸¢÷¸, ”¸Á. ‡¬¸.‡¬¸. ÷¸¸£¸œ¸¸½£ ¬¸¢Ÿ¸¢÷¸ ‡¨¸¿ ™¸Ÿ¸¸½™£›¸

¬¸¢Ÿ¸¢÷¸ ˆÅú ¬¸ž¸ú ¤¸”õú ¢¬¸ûÅ¸¢£©¸¸Ê ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅ£÷¸½ íº‡ ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆ½Å „\\¸ Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸½ ‚œ¸›¸¸¡¸¸ í¾ ÷¸¸¢ˆÅ ¬¸¿œ¸»µ¸Ä ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ŠÏ¸íˆÅ ¬¸¿÷¸¸½«¸ ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å.

ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸¿¢í÷¸¸ ‡¨¸¿ Ÿ¸¸›¸ˆÅ ¤¸¸½”Ä (¤¸ú¬¸ú‡¬¸¤¸ú‚¸ƒÄ) ˆ½Å ¬¸™¬¡¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ŠÏ¸íˆÅ ‡¨¸¿ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ ½Å œÏ¢÷¸ ¤¸ÿˆÅ ¬¸¿¢í÷¸¸ Åú ¸\¸›¸¤¸Ö÷¸¸ ˆÅ¸½ ‚œ¸›¸¸¡¸¸ í¾.

¤¸ÿˆÅ ›¸½ `Ÿ¸¸ƒÄ ûÅ¸½¥”£' ›¸¸Ÿ¸ˆÅ ‡ˆÅ ûÅ¸½¥”£ Ÿ¸º¢Í÷¸ ¢ˆÅ¡¸¸ í¾ ¢]¸¬¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆÅú ¬¸ž¸ú ›¸ú¢÷¸¡¸¸Ê, ¬¸½¨¸¸ œÏž¸¸£¸Ê œ¸£ ]¸¸›¸ˆÅ¸£ú, ¬¸£ˆÅ¸£ ˆ½Å ¡¸¸½]¸›¸¸¤¸Ö †µ¸¸Ê œ¸£ ¢™©¸¸¢›¸™½Ä©¸, ¥¸¸½ˆÅœ¸¸¥¸ (‚¸½Ÿ¤¸”Ã¬¸Ÿ¸¾›¸) ‡¨¸¿ ¤¸ú¬¸ú‡¬¸¤¸ú‚¸ƒÄ ¬¸¿¢í÷¸¸ ˆÅ¸ ¬¸Ÿ¸¸¨¸½©¸ í¾. ƒ¬¸ˆÅ¸ Ÿ¸ºÍµ¸ Ÿ¸£¸“ú, ¢í›™ú ‡¨¸¿ ‚¿ŠÏ½]¸ú ž¸¸«¸¸‚¸Ê Ÿ¸Ê ˆÅ£ˆ½Å ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê ‡¨¸¿ ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆÅ¸½ ƒ¬¸ˆÅú ‚¸œ¸»¢÷¸Ä ˆÅú Š¸ƒÄ í¾ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ˆÅ£›¸½ œ¸£ ¡¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆÅ¸½ „œ¸¥¸¤š¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾.

`]¸Ÿ¸¸£¸¢©¸¡¸¸Ê', \¸½ˆÅ¸Ê Åú ¸¬¸»¥¸ú', ¢©¸ˆÅ¸¡¸÷¸¸Ê Å¸ ¢›¸œ¸’¸›¸', Ÿ¸º‚¸¨¸]¸¸', `Ÿ¸¼÷¸ˆÅ ]¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢›¸œ¸’¸›¸ ¬¸¿¤¸¿š¸ú œÏ\¸¸¥¸›¸Š¸÷¸ ˆÅ¸¡¸Ä¢¨¸¢š¸' ‡¨¸¿ ŠÏ¸íˆÅ ‚¢š¸ˆÅ¸£ ›¸ú¢÷¸ œ¸£ ¢¨¸¢š¸¨¸÷¸ ™¬÷¸¸¨¸½]¸úˆ¼Å÷¸ ›¸ú¢÷¸¡¸¸Ê ˆÅ¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ×¸£¸ ‚›¸ºŸ¸¸½™›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

ŠÏ¸íˆÅ ¬¸½¨¸¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ˆÅ¸ ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê Ÿ¸Ê Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸˜¸¸ ƒ›¸ˆÅú ¤¸¾“ˆÊÅ Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ ¢›¸¡¸¢Ÿ¸÷¸ ²Åœ¸ ¬¸½ ‚¸¡¸¸½¢]¸÷¸ ˆÅú ]¸¸÷¸ú íÿ. œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ŠÏ¸íˆÅ ¬¸½¨¸¸ œ¸£ ¬˜¸¸¡¸ú ¬¸¢Ÿ¸¢÷¸ ‡¨¸¿ ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ‚¿\¸¥¸ ¬÷¸£ú¡¸ ŠÏ¸íˆÅ ¬¸½¨¸¸ ¬¸¢Ÿ¸¢÷¸¡¸¸¿ ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ ¤¸¾“ˆÅ ˆÅ¸ ‚¸¡¸¸½]¸›¸ ˆÅ£ˆ½Å ŠÏ¸íˆÅ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸¢ž¸››¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£÷¸ú íÿ ÷¸˜¸¸ ¥¸Š¸¸÷¸¸£ ŠÏ¸íˆÅ ¬¸½¨¸¸ Ÿ¸Ê ¬¸ºš¸¸£ í½÷¸º ‚¸¨¸©¡¸ˆÅ ˆÅ™Ÿ¸ „“¸÷¸ú íÿ.

ŠÏ¸íˆÅ ¬¸½¨¸¸ œ¸£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¬¸¢Ÿ¸¢÷¸ ¢÷¸Ÿ¸¸íú ‚¸š¸¸£ œ¸£ ¤¸¾“ˆÅ ‚¸¡¸¸½¢]¸÷¸ ˆÅ£ˆ½Å ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆÅú Š¸ºµ¸¨¸î¸¸, ŠÏ¸íˆÅ ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆ½Å ¢›¸œ¸’¸›¸ œ¸£ ¢›¸Š¸£¸›¸ú £‰¸÷¸ú í¾ ‡¨¸¿ ŠÏ¸íˆÅ ¬¸¿÷¸¸½«¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£÷¸ú í¾.

ŠÏ¸íˆÅ ¢©¸ˆÅ¸¡¸÷¸¸Ê œ¸£ ÷¸÷œ¸£÷¸¸ ¬¸½ ˆÅ¸£Ä¨¸¸ƒÄ ˆÅ£›¸½ í½÷¸º ‡ˆÅ œ¸»µ¸Ä ¬¸¿Š¸¢“÷¸ ¢©¸ˆÅ¸¡¸÷¸ ÷¸¿°¸ ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆ½Å ¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ›¸½ ¢©¸ˆÅ¸¡¸÷¸Ê ™¸¢‰¸¥¸ ˆÅ£›¸½ ‚˜¸¨¸¸ ŠÏ¸íˆÅ¸Ê ×¸£¸ ¬¸½¨¸¸‚¸Ê œ¸£ ¬¸º^¸¸¨¸ / œÏ¢÷¸¬¸»\¸›¸¸ œÏ™¸›¸ ˆÅ£›¸½ ÷¸˜¸¸ „›¸ˆÅú œÏ¢÷¸¬¸»\¸›¸¸‚¸Ê / ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú œ¸¸¨¸÷¸ú œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º ƒ›’£›¸½’ ‚¸š¸¸¢£÷¸ ÷¸¿°¸, Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ]¸›¸ ¢©¸ˆÅ¸¡¸÷¸ ¢›¸œ¸’¸›¸ œÏµ¸¸¥¸ú (‡¬¸œ¸ú]¸ú‚¸£‡¬¸) ˆÅ¸ ‚¸£¿ž¸ ¢ˆÅ¡¸¸ í¾.

ÇÅ. ¢¨¸¨¸£µ¸ 2015-16 2016-171 ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ŠÏ¸íˆÅ ¢©¸ˆÅ¸¡¸÷¸Ê 2 732 ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸Ê 3218 29123 ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸œ¸’¸ƒÄ Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸Ê 3147 29314 ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸Ê 73 54


18

It is Bank’s endeavor to redress all complaints within a week’s time.

Kiosk Machine has been installed at Head Office to enable the customer to register online complaints / suggestions and is in operation since 14.03.2013.

3.5 KYC/ AML

Know Your Customer (KYC) norms / Anti Money Laundering (AML) standards / Combating of Financing of Terrorism (CFT) and Obligation of Bank under Prevention of Money Laundering Act (PMLA) 2002.

The Bank has Board approved KYC-AML-CFT Policy in place. The said Policy is the foundation on which the Banks implementation of KYC norms, AML standards and CFT measures is based. The full KYC compliance entails staff education as well as customer education for which the following measures are taken by the Bank.

IBA has advised the Banks to implement 88 parameters so far for generation of AML alerts. Bank has implemented 43 parameters out of 49 parameters as per IBA guidelines and the remaining 6 parameters are related to 3rd party products. In addition to these the FEX centers/branches have been sensitized on the guidelines on Trade Based Money Laundering issued by FIU-IND to prevent fraud/money laundering.

A comprehensive list of KYC documents is uploaded on the Banks web site for the benefit of customers. Regular training sessions are conducted on KYC-AML-CFT guidelines at the Banks training establishments to sensitize the employees.

3.6 Risk Management

The Bank has put in place Risk Management Policies and Strategies, enables it to identify, measure, monitor and manage risk efficiently and establishes control systems in line with the Bank’s aggregate Risk Appetite. Bank has constituted Risk Management Committee at Board level to monitor the risk at Bank level in accordance with RBI Guidelines. Bank has also constituted sub-committees headed by Top Management of Bank.

The Bank is Compliant to the RBI guidelines on disclosure requirements under Basel III Capital Regulations.

3.7 Brand Image:

Your Bank with a view to develop Brand Image of Bank, publicize Bank’s various products coupled with Corporate Social Responsibilities has Marketing & Publicity Policy as well as independent vertical.

Bank has extended Donations under its Corporate Social Responsilibilities to National Sports Development Fund (NSDF), Rotary Club Nigdi for the construction of water Tank in Nigade Village, Balewadi Stadium for providing Water Coolers, “Shrutakevali Education Trust” for Bahubali Children’s Hospital, Shravanabelagola, Karnataka, NAAM Foundation famous NGO working on issues like education, infrastructure, employment, food etc.,

3.8 Citizen’s Charter:

The Bank has adopted the Charter since 2000–01, which details the duties and responsibilities of the Bank towards its customers. The charter is displayed at all the branches and Bank's website. Some of important responsibility of Branches are;

All branches of banks in all parts of the country should provide the following customer services, more actively and vigorously to the members of public.

¡¸í ¤¸ÿˆÅ ˆÅ¸ œÏ¡¸¸¬¸ í¾ ¢ˆÅ ¬¸ž¸ú ¢©¸ˆÅ¸¡¸÷¸Ê ‡ˆÅ ¬¸œ÷¸¸í ˆ½Å ¬¸Ÿ¸¡¸ ˆ½Å ž¸ú÷¸£ ¢›¸œ¸’¸ƒÄ ]¸¸‡¿.

œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ¢ˆÅ‚¸ÁÆ¬¸ Ÿ¸©¸ú›¸ ˆÅ¸ œÏ¢÷¸¬˜¸¸œ¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸¢ˆÅ ŠÏ¸íˆÅ ‚¸Á›¸¥¸¸ƒÄ›¸ ¢©¸ˆÅ¸¡¸÷¸Ê / ¬¸º^¸¸¨¸ œ¸¿]¸úˆ¼Å÷¸ ˆÅ£ ¬¸ˆÊÅ ÷¸˜¸¸ ¡¸í 14.03.2013 ¬¸½ œÏ\¸¸¥¸›¸Š¸÷¸ í¾.

3.5 ˆ½Å¨¸¸¡¸¬¸ú / ‡‡Ÿ¸‡¥¸ ‚œ¸›¸½ ŠÏ¸íˆÅ ˆÅ¸½ ]¸¸¢›¸‡ (ˆ½Å¨¸¸¡¸¬¸ú) Ÿ¸¸›¸™¿”¸Ê/ š¸›¸ ©¸¸½š¸›¸ ¢›¸¨¸¸£ˆÅ

(‡‡Ÿ¸‡¥¸) Ÿ¸¸›¸ˆÅ¸Ê/ ‚¸÷¸¿ˆÅ¨¸¸™ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê Å¸½ ¢¨¸î¸œ¸¸½«¸µ¸ Åú £¸½ˆÅ˜¸¸Ÿ¸ (¬¸ú‡ûÅ’ú) ‚¸¾£ š¸›¸ ©¸¸½š¸›¸ ¢›¸¨¸¸£µ¸ ‚¢š¸¢›¸¡¸Ÿ¸ (œ¸ú‡Ÿ¸‡¥¸‡) 2002 ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆÅú œÏ¢÷¸¤¸Ö÷¸¸‡¿.

¤¸ÿˆÅ Åú ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸½ ‚›¸ºŸ¸¸½¢™÷¸ ½Å¨¸¸¡¸¬¸ú-‡‡Ÿ¸‡¥¸-¬¸ú‡ûÅ’ú ›¸ú¢÷¸ íÿ. ƒ¬¸ ›¸ú¢÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸ÿˆÅ ˆ½Å¨¸¸¡¸¬¸ú Ÿ¸¸›¸™¿”, ‡‡Ÿ¸‡¥¸ Ÿ¸¸›¸ˆÅ ‚¸¾£ ¬¸ú‡ûÅ’ú „œ¸¸¡¸¸Ê ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅ£÷¸¸ í¾. œ¸»µ¸Ä ˆ½Å¨¸¸ƒÄ¬¸ú ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ž¸ú ¢©¸¢®¸÷¸ ˆÅ£›¸¸ ©¸¸¢Ÿ¸¥¸ í¾, ƒ¬¸ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ˆÅ™Ÿ¸ „“¸‡ íÿ.

‚¸ƒÄ¤¸ú‡ ›¸½ ¤¸ÿˆÅ¸Ê ˆÅ¸½ ‡‡Ÿ¸‡¥¸ ‚¥¸’Ä ¢›¸¢Ÿ¸Ä÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚¤¸ ÷¸ˆÅ 88 Ÿ¸¸œ¸™¿”¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¬¸¥¸¸í ™ú í¾. ¤¸ÿˆÅ ›¸½ ‚¸ƒÄ¤¸ú‡ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ 49 Ÿ¸¸œ¸™¿”¸Ê Ÿ¸Ê ¬¸½ 43 Ÿ¸¸œ¸™¿”¸Ê ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ©¸½«¸ 6 Ÿ¸¸œ¸™¿” ‚›¡¸ œ¸®¸ „÷œ¸¸™ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ íÿ. ƒ¬¸ˆ½Å ‚¥¸¸¨¸¸ û¾ÅÆ¬¸ ˆÊÅÍ¸Ê/ ©¸¸‰¸¸‚¸Ê ˆÅ¸½ š¸¸½‰¸¸š¸”õú/ š¸›¸ ©¸¸½š¸›¸ ˆÅú £¸½ˆÅ˜¸¸Ÿ¸ ˆ½Å ¢¥¸‡ ‡ûÅ‚¸ƒÄ¡¸»-‚¸ƒÄ‡›¸”ú ×¸£¸ ]¸¸£ú ¨¡¸¸œ¸¸£ ‚¸š¸¸¢£÷¸ š¸›¸©¸¸½š¸›¸ œ¸£ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ]¸¸Š¸²ÅˆÅ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

ŠÏ¸íˆÅ¸Ê ˆ½Å ¥¸¸ž¸¸˜¸Ä ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒÄ’ œ¸£ ˆ½Å¨¸¸¡¸¬¸ú ™¬÷¸¸¨¸½]¸¸Ê ˆÅú ¨¡¸¸œ¸ˆÅ ¬¸»\¸ú ‚œ¸¥¸¸½” ˆÅú Š¸ƒÄ í¾. ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ]¸¸Š¸³ÅˆÅ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆ½Å œÏ¢©¸®¸µ¸ ¬¸¿¬˜¸¸›¸¸Ê Ÿ¸Ê ˆ½Å¨¸¸¡¸¬¸ú-‡‡Ÿ¸‡¥¸-¬¸ú‡ûÅ’ú ¢™©¸¸¢›¸™½Ä©¸¸Ê œ¸£ ¢›¸¡¸¢Ÿ¸÷¸ œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ ‚¸¡¸¸½¢]¸÷¸ ¢ˆÅ‡ ]¸¸÷¸½ íÿ.

3.6 ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¤¸ÿˆÅ ›¸½ ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ›¸ú¢÷¸¡¸¸¿ ‚¸¾£ £µ¸›¸ú¢÷¸¡¸¸¿ ¥¸¸Š¸» ˆÅú íÿ ]¸¸½ ƒ¬¸½

]¸¸½¢‰¸Ÿ¸ ˆÅ¸½ œÏž¸¸¨¸ú ³Åœ¸ ¬¸½ ‚¢ž¸¢›¸š¸¸Ä¢£÷¸ ˆÅ£›¸½, „¬¸ˆ½Å Ÿ¸¸œ¸›¸, ¢›¸Š¸£¸›¸ú ‚¸¾£ œÏ¤¸¿š¸›¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸®¸Ÿ¸ ¤¸›¸¸÷¸¸ í¾ ‚¸¾£ ¤¸ÿˆÅ ˆÅú ¬¸Ÿ¸ŠÏ ]¸¸½¢‰¸Ÿ¸ „“¸›¸½ ˆÅú ®¸Ÿ¸÷¸¸ ˆ½Å ‚›¸º³Åœ¸ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¢¥¸¡¸¸¿ ¬˜¸¸¢œ¸÷¸ ˆÅú íÿ. ¤¸ÿˆÅ ›¸½ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬÷¸£ œ¸£ ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸ Š¸“›¸ ¢ˆÅ¡¸¸ í¾, ]¸¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ ¬÷¸£ œ¸£ ]¸¸½¢‰¸Ÿ¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆÅ£÷¸ú í¾. ¤¸ÿˆÅ ˆ½Å ©¸ú«¸Ä œÏ¤¸¿š¸›¸ ×¸£¸ ‚š¡¸®¸÷¸¸¨¸¸¥¸ú „œ¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ˆÅ¸ ž¸ú ¤¸ÿˆÅ ×¸£¸ Š¸“›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

¤¸ÿˆÅ ¤¸½¬¸¥¸ III œ¸»¿]¸ú ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ¸Ê ˆ½Å ‚š¸ú›¸ œÏˆÅ’›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê œ¸£ ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ˆÅ£÷¸¸ í¾.

3.7 ¤Ï¸¿” ƒŸ¸½]¸ ¤¸ÿˆÅ Åú ¤Ï¸¿” ƒŸ¸½]¸ ¢¨¸ˆÅ¢¬¸÷¸ Å£›¸½ ½Å ¦«’ˆÅ¸½µ¸ ¬¸½ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¢›¸Š¸¢Ÿ¸÷¸

¬¸¸Ÿ¸¸¢]¸ˆÅ ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¢¨¸¢ž¸››¸ „÷œ¸¸™¸Ê ˆ½Å œÏ\¸¸£ ¢ˆÅ¡¸¸ í¾, ƒ¬¸ˆÅú ¢¨¸œ¸µ¸›¸ ¨¸ œÏ\¸¸£ ›¸ú¢÷¸ í¾ ‚¸¾£ ¬¨¸÷¸¿°¸ ¨¸¢’ÄˆÅ¥¸ í¾.

¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ¢›¸Š¸¢Ÿ¸÷¸ ¬¸¸Ÿ¸¸¢]¸ˆÅ ™¸¢¡¸÷¨¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ £¸«’ïú¡¸ ‰¸½¥¸ ¢¨¸ˆÅ¸¬¸ ¢›¸¢š¸ (‡›¸‡¬¸”ú‡ûÅ), ¢›¸Š¸”ú ŠÏ¸Ÿ¸ Ÿ¸Ê œ¸¸›¸ú Åú ’¿ˆÅú ½Å ¢›¸Ÿ¸¸Äµ¸ í½÷¸º £¸½’£ú Æ¥¸¤¸, ¢›¸Š¸”ú, ¨¸¸Á’£ ˆ»Å¥¸£¸Ê ˆ½Å ¢¥¸‡ ¤¸¸¥¸½¨¸¸”ú ¬’½¢”¡¸Ÿ¸, ¤¸¸íº¤¸¥¸ú ¢\¸¥”ï½›¸ ‚¬œ¸÷¸¸¥¸, ª¨¸µ¸¤¸½¥¸Š¸¸½¥¸¸, ˆÅ›¸¸Ä’ˆÅ ˆ½Å `ªº÷¸ˆ½Å¨¸¥¸ú ‡]¡¸»ˆ½Å©¸›¸ ’ï¬’' ÷¸˜¸¸ ¢©¸®¸¸, ‚¨¸¬¸¿£\¸›¸¸, £¸½]¸Š¸¸£, ž¸¸½]¸›¸ ƒ÷¡¸¸¢™ ]¸¾¬¸½ Ÿ¸ºÓ¸Ê œ¸£ ˆÅ¸¡¸Ä ˆÅ£›¸½ ¨¸¸¥¸½ ¢¨¸‰¡¸¸÷¸ ‡›¸]¸ú‚¸½ ›¸¸Ÿ¸ ûÅ¸„¿”½©¸›¸ ˆÅ¸½ ™¸›¸ (”¸½›¸½©¸›¸) ¢™‡ Š¸‡.

3.8 ›¸¸Š¸¢£ˆÅ ‚¢š¸ˆÅ¸£ œ¸°¸ ¨¸«¸Ä 2000-01 ¬¸½ ¤¸ÿˆÅ ›¸½ ›¸¸Š¸¢£ˆÅ ‚¢š¸ˆÅ¸£ œ¸°¸ ¬¨¸úˆÅ¸£ ¢ˆÅ¡¸¸ í¾. ƒ¬¸

‚¢š¸ˆÅ¸£ œ¸°¸ Ÿ¸Ê ŠÏ¸íˆÅ¸Ê ˆ½Å œÏ¢÷¸ ¤¸ÿˆÅ ˆ½Å ™¸¢¡¸÷¨¸¸Ê ¨¸ ˆÅ÷¸Ä¨¡¸¸Ê ˆÅ¸ „¥¥¸½‰¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ›¸¸Š¸¢£ˆÅ ‚¢š¸ˆÅ¸£ œ¸°¸ ˆÅ¸½ ¤¸ÿˆÅ ˆÅú ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸ ¬¸¸ƒÄ’ œ¸£ œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ©¸¸‰¸¸‚¸Ê ˆÅú ˆºÅŽ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢]¸ŸŸ¸½™¸¢£¡¸¸¿ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿ -

™½©¸ ˆ½Å ¬¸ž¸ú ž¸¸Š¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê ˆÅ¸½ ]¸›¸ ¬¸¸Ÿ¸¸›¡¸ ˆÅ¸½ ‚¢š¸ˆÅ ¬¸¢ÇÅ¡¸ ³Åœ¸ ¬¸½ ‚¸¾£ ]¸¸½£-©¸¸½£ ¬¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ŠÏ¸íˆÅ ¬¸½¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸ú \¸¸¢í‡ -


19

Meeting the demands for fresh / good quality notes and coins of all denominations.

Exchanging soiled notes, and

Accepting coins and notes either for transactions or exchange.

Separate que for senior citizen

4. SOCIO/MICRO ECONOMIC DEVELOPMENT.

4.1 Priority Sector Lending

It has been the constant endeavor of the Bank to facilitate equitable and sustainable economic development by timely and hassle-free availability of credit for productive purposes to Small and Marginal Farmers, Micro and Small Enterprises, Retail Traders, Professional and Self Employed, Women Entrepreneurs and entrepreneurs from economically weaker sections.

The outstanding advances under Priority Sector as of 31st March 2017, aggregates to Rs. 40388.63 Crore constituting 34.99% of the Adjusted Net Bank Credit (ANBC).

4.2 Agriculture

The Bank disbursed Rs. 7752 Crore for agriculture and allied activities during the year 2016-17. The total outstanding advances to agriculture sector reached a level of Rs.17960 Crore as on 31.03.2017 (growth of 4.57%). Bank focused on growth of investment credit under Agriculture during the year 2016-17 and disbursed Rs. 3042 Crore. Bank also entered into strategic tie-up arrangements with Tractor Manufacturers, Micro Irrigation Companies for promoting farm mechanization and micro irrigation activities during the year.

The Bank undertook awareness/sensitization programmes for all the branches for increasing advances to agriculture by providing hassle free credit to farmers.

4.2.1 Mahabank Kisan Credit Card (MKCC)

This scheme gained popularity especially in rural areas where it is being propagated successfully and vigorously. The Bank has issued total 601303 Kisan Credit Cards to farmers. Credit flow to MKCC beneficiaries has reached to the level of Rs.7057 Crore as on 31.03.2017 (growth of 5.47 %).

4.3 Micro, Small and Medium Enterprises (MSME)

SMEs are recognized as a major growth engine for the Indian economy. They generate opportunities for direct and indirect employment by facilitating use of natural resources and local skills to stem the tide of migration to urban areas and promote low investment enterprises. Finance is made available to viable enterprises at an attractive and low rate of interest. On line enquiry portal is made available on the Bank's website.

Our Bank has adopted Simplified Loan Application for MSEs and the same is displayed on the Bank's website. The Bank has also adopted Bank's Code of Commitment to Micro and Small Enterprise and the same is displayed on the Bank's website.

The Bank's lending to Micro, Small and Medium Enterprises (Priority + NP) is Rs. 20585.22 Crore as at 31.03.2017. Advances to Micro enterprises under priority are 7.48 % of ANBC against RBI target of 7.50 % as of March 2017.

For promoting finance under this category, Bank has entered into strategic tie up arrangements with Truck / Vehicle / Passenger car manufacturers. Bank has also entered into MoU with Bharatiya Yuva Shakti Trust and de-Asra foundation for Credit facilitation and hand holding of the Micro

¬¸ž¸ú Ÿ¸»¥¡¸ ¨¸Š¸Ä ˆ½Å ›¸‡ ¤¸½í÷¸£ Š¸ºµ¸¨¸î¸¸ ¨¸¸¥¸½ ›¸¸½’¸Ê ¨¸ ¢¬¸ÆˆÅ¸Ê ˆÅú Ÿ¸¸¿Š¸ ˆÅú œ¸»¢÷¸Ä ˆÅ£›¸¸

ˆÅ’½-ûÅ’½ ›¸¸½’¸Ê ˆÅ¸½ ¤¸™¥¸›¸¸ ‚¸¾£ ¡¸¸ ÷¸¸½ ¬¸¿¨¡¸¨¸í¸£ ¡¸¸ ¢¨¸¢›¸Ÿ¸¡¸ ˆ½Å ¢¥¸‡ ¢¬¸Æˆ½Å ¨¸ ›¸¸½’ ¬¨¸úˆÅ¸£ ˆÅ£›¸¸ ¨¸¢£«“ ›¸¸Š¸¢£ˆÅ¸Ê ˆ½Å ¢¥¸‡ ‚¥¸Š¸ ˆÅ÷¸¸£

4. ¬¸¸Ÿ¸¸¢]¸ˆÅ/ ¬¸»®Ÿ¸ ‚¸¢˜¸ÄˆÅ ¢¨¸ˆÅ¸¬¸4.1 œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆÅ¸½ „š¸¸£ú ¤¸ÿˆÅ ˆÅ¸ ¡¸í ¬¸÷¸÷¸ œÏ¡¸¸¬¸ £í¸ í¾ ¢ˆÅ ¥¸‹¸º ‚¸¾£ ¬¸úŸ¸¸›÷¸ ˆ¼Å«¸ˆÅ¸Ê, ¬¸»®Ÿ¸ ‡¨¸¿

¥¸‹¸º „Ô¸¢Ÿ¸¡¸¸Ê, ûºÅ’ˆÅ£ ¨¡¸¸œ¸¸¢£¡¸¸Ê, œ¸½©¸½¨¸£¸Ê ¨¸ ¬¨¸¢›¸¡¸¸½¢]¸÷¸ ¨¡¸¢Æ÷¸¡¸¸Ê, Ÿ¸¢í¥¸¸ „Ô¸¢Ÿ¸¡¸¸Ê ÷¸˜¸¸ ‚¸¢˜¸ÄˆÅ ³Åœ¸ ¬¸½ ˆÅŸ¸]¸¸½£ ¢ˆÅ›÷¸º „Ô¸Ÿ¸©¸ú¥¸ ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ „÷œ¸¸™ˆÅ œÏ¡¸¸½]¸›¸¸Ê í½÷¸º ¬¸Ÿ¸¡¸ œ¸£ ‚¤¸¸¢š¸÷¸ ³Åœ¸ ¬¸½ †µ¸ „œ¸¥¸¤š¸ ˆÅ£¸÷¸½ íº‡ ¬¸Ÿ¸¸›¸ ‚¸¾£ ¬¸º¦¬˜¸£ ‚¸¢˜¸ÄˆÅ ¢¨¸ˆÅ¸¬¸ ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ]¸¸‡.

œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ 31 Ÿ¸¸\¸Ä 2017 ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ ‚¢ŠÏŸ¸ ²Å.40388.63 ˆÅ£¸½”õ ˜¸½, ]¸¸½ ¬¸Ÿ¸¸¡¸¸½¢]¸÷¸ ¢›¸¨¸¥¸ ¤¸ÿˆÅ †µ¸ (‡‡›¸¤¸ú¬¸ú) ˆ½Å 34.99% £í½.

4.2 ˆ¼Å¢«¸ ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ˆ¼Å¢«¸ ‚¸¾£ ¬¸í¸¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½

²Å.7752 ˆÅ£¸½”õ ˆ½Å †µ¸ ¢¨¸÷¸¢£÷¸ ¢ˆÅ‡. ˆ¼Å¢«¸ ®¸½°¸ ˆÅ¸½ ˆºÅ¥¸ ¤¸ˆÅ¸¡¸¸ ‚¢ŠÏŸ¸ ¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ²Å.17960 ˆÅ£¸½”õ ˆ½Å £í½ (4.57% ˆÅú ¨¸¼¢Ö). ¤¸ÿˆÅ ›¸½ ¸«¸Ä 2016-17 ½Å ™¸¾£¸›¸ ¼Å¢«¸ ½Å ‚¿÷¸Š¸Ä÷¸ ¢›¸¨¸½©¸ †µ¸ Åú ¸¼¢Ö œ¸£ š¡¸¸›¸ ˆ½Å¦›Í÷¸ ¢ˆÅ¡¸¸ ‚¸¾£ ²Å.3042 ˆÅ£¸½”õ ˆÅ¸ ¢¨¸÷¸£µ¸ ¢ˆÅ¡¸¸. ¤¸ÿˆÅ ›¸½ ‰¸½÷¸ Ÿ¸©¸ú›¸úˆÅ£µ¸ ‚¸¾£ ¬¸»®Ÿ¸ ¢¬¸¿\¸¸ƒÄ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê ˆÅ¸½ ¤¸[¸¨¸¸ ™½›¸½ ˆ½Å ¢¥¸‡ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ’ï¾Æ’£ ¢¨¸¢›¸Ÿ¸¸Ä÷¸¸‚¸Ê, ¬¸»®Ÿ¸ ¢¬¸¿\¸¸ƒÄ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆ½Å ¬¸¸˜¸ £µ¸›¸ú¢÷¸ˆÅ Š¸“¤¸¿š¸›¸ ¢ˆÅ‡.

¢ˆÅ¬¸¸›¸¸Ê ˆÅ¸½ ^¸¿^¸’ Ÿ¸ºÆ÷¸ †µ¸ œÏ¨¸¸í œÏ™¸›¸ ˆÅ£÷¸½ íº‡ ˆ¼Å¢«¸ ˆ½Å ¢¥¸‡ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ¨¸¼¢Ö í½÷¸º ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ]¸¸Š¸²ÅˆÅ÷¸¸/ ¬¸ºŠÏ¸íú ˆÅ¸¡¸ÄÇÅŸ¸ \¸¥¸¸‡—

4.2.1 Ÿ¸í¸¤¸ÿˆÅ ¢ˆÅ¬¸¸›¸ Ç½Å¢”’ ˆÅ¸”Ä (‡Ÿ¸ˆ½Å¬¸ú¬¸ú) ƒ¬¸ ¡¸¸½]¸›¸¸ ›¸½ ¢¨¸©¸½«¸ˆÅ£ ŠÏ¸Ÿ¸úµ¸ ®¸½°¸¸Ê Ÿ¸Ê ¥¸¸½ˆÅ¢œÏ¡¸÷¸¸ ‚¢]¸Ä÷¸ ˆÅú ]¸í¸¿

ƒ¬¸ˆÅ¸ ¬¸ûÅ¥¸÷¸¸œ¸»¨¸ÄˆÅ ‚¸¾£ ÷¸½]¸ú ¬¸½ œÏ\¸¸£ ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾. ¤¸ÿˆÅ ›¸½ ¢ˆÅ¬¸¸›¸¸Ê ˆÅ¸½ ˆºÅ¥¸ 601303 ¢ˆÅ¬¸¸›¸ Ç½Å¢”’ ˆÅ¸”Ä ]¸¸£ú ¢ˆÅ‡. 31 Ÿ¸¸\¸Ä 2017 ˆÅ¸½ ¡¸˜¸¸¦¬˜¸¢÷¸ ‡Ÿ¸ˆ½Å¬¸ú¬¸ú ¥¸¸ž¸¸¢˜¸Ä¡¸¸Ê ˆÅ¸½ †µ¸ œÏ¨¸¸í ³Å.7057 ˆÅ£¸½”õ í¸½ Š¸¡¸¸. (5.47% ¨¸¼¢Ö)

4.3 ¬¸»®Ÿ¸, ¥¸‹¸º ‚¸¾£ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸ (‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ) ‡¬¸‡Ÿ¸ƒÄ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ‚˜¸Ä¨¡¸¨¸¬˜¸¸ ˆ½Å ¢¨¸ˆÅ¸¬¸ ˆÅ¸ ‚ŠÏ™»÷¸ Ÿ¸¸›¸¸ ]¸¸÷¸¸

í¾. ¡¸½ „Ô¸¸½Š¸ ˆÅŸ¸ ¢›¸¨¸½©¸ ¨¸¸¥¸½ „Ô¸Ÿ¸¸Ê ˆÅ¸½ œÏ¸½÷¬¸¸¢í÷¸ ˆÅ£›¸½ ‚¸¾£ ©¸í£¸Ê ˆÅú ‚¸½£ œÏ¨¸¸¬¸ ˆÅ¸½ £¸½ˆÅ›¸½ ˆ½Å ¢¥¸‡ ¬˜¸¸›¸ú¡¸ ˆÅ¸¾©¸¥¸ ‚¸¾£ œÏ¸ˆ¼Å¢÷¸ˆÅ ¬¸¿¬¸¸š¸›¸¸Ê ˆÅ¸ „œ¸¡¸¸½Š¸ Å£÷¸½ íº‡ œÏ÷¡¸®¸ ‡¨¸¿ ‚œÏ÷¡¸®¸ £¸½]¸Š¸¸£ ½Å ‚¨¸¬¸£ œ¸¾™¸ Å£÷¸½ íÿ. ‚¸ˆÅ«¸ÄˆÅ ¨¸ ˆÅŸ¸ ¤¡¸¸]¸ ™£ œ¸£ ¢¨¸î¸ „œ¸¥¸¤š¸ ˆÅ£¸‡ ]¸¸÷¸½ íÿ. ¤¸ÿˆÅ ˆ½Å ¨¸½¤¸¬¸¸ƒ’ œ¸£ ‚¸Á›¸ ¥¸¸ƒ›¸ œ¸»Ž÷¸¸Ž œ¸¸½’Ä¥¸ „œ¸¥¸¤š¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

íŸ¸¸£½ ¤¸ÿˆÅ ›¸½ ‡Ÿ¸‡¬¸ƒÄ ˆ½Å ¢¥¸‡ ¬¸£¥¸úˆ¼Å÷¸ †µ¸ ‚¸¨¸½™›¸ ˆÅ¸½ ‚œ¸›¸¸¡¸¸ í¾ ‚¸¾£ „¬¸½ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸ ¬¸¸ƒÄ’ œ¸£ œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸ í¾. ¤¸ÿˆÅ ›¸½ ¬¸»®Ÿ¸ ‚¸¾£ Ž¸½’½ „Ô¸Ÿ¸¸Ê ˆ½Å œÏ¢÷¸ ¤¸ÿˆÅ¸Ê ˆÅú œÏ¢÷¸¤¸Ö÷¸¸ ¬¸¿¢í÷¸¸ ˆÅ¸½ ž¸ú ‚œ¸›¸¸¡¸¸ í¾ ‚¸¾£ „¬¸½ ¤¸ÿˆÅ ¨¸½¤¸¬¸¸ƒÄ’ œ¸£ œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸ í¾.

¬¸»®Ÿ¸, ¥¸‹¸º ‡¨¸¿ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê (œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ + Š¸¾£-œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸) ˆÅ¸½ ¤¸ÿˆÅ ˆÅú „š¸¸£ú 31.03.2017 ˆÅ¸½ ²Å.20,585.22 ˆÅ£¸½”õ ˆÅú £íú. Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ˆ½Å ‚š¸ú›¸ ¬¸»®Ÿ¸ „Ô¸¢Ÿ¸¡¸¸Ê ˆÅ¸½ ‚¢ŠÏŸ¸ ‡‡›¸¤¸ú¬¸ú ˆÅ¸ 7.48% £í¸ ]¸¤¸¢ˆÅ ‚¸£¤¸ú‚¸ƒÄ ˆÅ¸ ¥¸®¡¸ 7.50% í¾.

ƒ¬¸ ¨¸Š¸Ä Ÿ¸Ê ¢¨¸î¸œ¸¸½«¸µ¸ ˆÅ¸½ ¤¸[¸¨¸¸ ™½›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ’ïˆÅ/ ¨¸¸í›¸/ œ¸¾¬¸Ê]¸£ ˆÅ¸£ ¢¨¸¢›¸Ÿ¸¸Ä÷¸¸‚¸Ê ˆ½Å ¬¸¸˜¸ £µ¸›¸ú¢÷¸ˆÅ Š¸“¤¸¿š¸›¸ ¢ˆÅ¡¸¸ í¾. ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ‚›¸º¬¸»¢\¸÷¸ ]¸¸¢÷¸, ‚›¸º¬¸»¢\¸÷¸ ]¸›¸]¸¸¢÷¸ ‡¨¸¿ Ÿ¸¢í¥¸¸ ¬¸¿¨¸Š¸Ä ˆ½Å ¬¸»®Ÿ¸ „Ô¸¢Ÿ¸¡¸¸Ê ˆÅú í¾µ” í¸½¦¥”¿Š¸ ‚¸¾£ „›íÊ †µ¸ ™½›¸¸ ¬¸ºŠ¸Ÿ¸ ¤¸›¸¸›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ž¸¸£÷¸ú¡¸ ¡¸º¨¸¸ ©¸¢Æ÷¸ ’ï¬’ ‡¨¸¿ ™½-‚¸¬¸£¸ ûÅ¸„¿”½©¸›¸ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸^¸¸¾÷¸¸ ±¸¸œ¸›¸ ¢›¸«œ¸¸¢™÷¸ ¢ˆÅ¡¸¸ í¾. ¤¸ÿˆÅ ›¸½ myloanassochem.com œ¸¸½’Ä¥¸ ˆ½Å ¬¸¸˜¸ ž¸ú ž¸¸Š¸ú™¸¢£÷¸¸ Åú í¾ ¢]¸¬¸¬¸½ ¥¸ú”Ã¬¸ ¢›¸¢Ÿ¸Ä÷¸ Å£›¸½ ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ


20

entrepreneurs specially under Women and SC/ST categories. Bank has also partnered with myloanassochem.com portal for generating leads and converting them into business to the bank by financial assistance to MSMEs.

Centralized Processing Cell have been set up at all Zonal Offices for speedy disposal of MSME proposals.

4.3.1 MUDRA: With the introduction of Pradhan Mantri MUDRA Yojana (PMMY) which mainly consists of non-farm enterprises in manufacturing, trading and services whose credit needs are below Rs. 10.00 lakh. Bank is giving special attention to this segment. Loans given to this segment for income generation are known as MUDRA loans under Pradhan Mantri MUDRA Yojana (PMMY) and branded accordingly.

Bank disbursed Rs 1732.72 Crore under PMMY against the target of Rs 1800.00 Crore as on 31.03.2017. Bank achieved 96.54 % of target allotted by Government under PMMY.

Bank has launched MUDRA Card on 16.9.2015 and so far issued 8281 MUDRA Cards as on 31.3.2017

4.3.2 Coverage under CGTMSE Scheme

Under Credit Guarantee Fund Scheme for Micro, Small and Medium Enterprises of Government of India credit facilities up to Rs.100.00 lakh are covered, wherein no collateral security and third party guarantee are insisted by the Bank. For the accounts covered under this scheme, Bank is bearing 50% annual guarantee fee for loans above Rs 10.00 lakh. The Bank has sanctioned loans of Rs 2228.75 Crore to 25955 borrowers under this scheme up to March 2017. During the current FY, coverage under Credit Guarantee Fund Scheme has increased by 11.12%.

4.3.3 Banks exposure to important segments.

SN

Sector Oustanding as on 31.03.2017

Oustanding as on 31.03.2016

% of increase (+/-)

1 Micro Finance 154.52 152.62 -0.06%2 Weaker Sector 12190 11006 10.76%3 SC/ST beneficiaries 1738 1684 3.21%4 Minority Community 2921 3037 -3.82%

5. IMPORTANT SCHEMES/ PROJECTS OF THE BANK

5.1. Credit Flow to Retail Sector

The Bank is providing retail loans for salaried persons, professionals, businessmen and pensioners for purchase of housing properties/ plots, repair/ renovation of house, purchase of consumer durables, two/four wheeler vehicles, education and loan for other personal needs etc. The retail loan portfolio of the bank is Rs.15792.02 Crore.

Amt. in Rs. Crore

SN Scheme Brief Description Portfolio as of Mar’17

NPA %

1 Maha Super Housing Loan Scheme

Housing Sector being the thrust area, Bank has various Housing Loan schemes in place to meet the needs of all economic segments.Bank offers housing loan for “purchase / construction of new / existing house / flat, repairs / renovation / alteration of existing house / flat, purchase of plot and construction thereon”

13595.20 2.72

ˆÅ¸½ ¢¨¸î¸ú¡¸ ¬¸í¸¡¸÷¸¸ ×¸£¸ ¤¸ÿˆÅ ˆ½Å ¢¥¸‡ „›íÊ ¨¡¸¨¸¬¸¸¡¸ Ÿ¸Ê œ¸¢£¨¸¢÷¸Ä÷¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸í¸¡¸÷¸¸ ¢Ÿ¸¥¸½Š¸ú—

‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ œÏ¬÷¸¸¨¸¸Ê ˆ½Å ©¸ú‹Ï ¢›¸œ¸’¸›¸ ˆ½Å ¢¥¸‡ ¬¸ž¸ú ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê Ÿ¸Ê ˆ½Å›Íú¡¸ œÏ¸½¬¸½¢¬¸¿Š¸ ˆÅ®¸ ¬˜¸¸¢œ¸÷¸ ˆÅ£ „›íÊ ¬¸ºœÏ¨¸¸¢í÷¸ ¤¸›¸¸¡¸¸ Š¸¡¸¸ í¾.

4.3.1 Ÿ¸ºÍ¸ À œÏš¸¸›¸Ÿ¸¿°¸ú Ÿ¸ºÍ¸ ¡¸¸½]¸›¸¸ (œ¸ú‡Ÿ¸‡Ÿ¸¨¸¸¡¸), ¢]¸¬¸Ÿ¸Ê Ÿ¸º‰¡¸÷¸À ¢¨¸¢›¸Ÿ¸¸Äµ¸, ¨¡¸¸œ¸¸£ ‡¨¸¿ ¬¸½¨¸¸‚¸Ê ¬¸½ ]¸º”õ½ íº‡ Š¸¾£-ˆ¼Å¢«¸ „Ô¸Ÿ¸ ‚¸÷¸½ íÿ ÷¸˜¸¸ ¢]¸›¸ˆÅú †µ¸ ‚¸¨¸©¡¸ˆÅ÷¸¸ ²Å.10.00 ¥¸¸‰¸ ¬¸½ ÅŸ¸ í¸½÷¸ú í¾. ¤¸ÿˆÅ ‚¸£¿ž¸ ¬¸½ íú ƒ¬¸ ‰¸¿” œ¸£ ¢¨¸©¸½«¸ š¡¸¸›¸ ™½ £í¸ í¾. ƒ¬¸ ‰¸¿” ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¡¸ ¢›¸Ÿ¸¸Äµ¸ í½÷¸º ¢™‡ Š¸‡ †µ¸ œÏš¸¸›¸Ÿ¸¿°¸ú Ÿ¸ºÍ¸ ¡¸¸½]¸›¸¸ (œ¸ú‡Ÿ¸‡Ÿ¸¨¸¸¡¸) ˆ½Å ‚¿÷¸Š¸Ä÷¸ Ÿ¸ºÍ¸ †µ¸ ˆÅí¥¸¸÷¸½ íÿ ÷¸˜¸¸ ÷¸™›¸º¬¸¸£ „›íÊ ›¸¸Ÿ¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾.

31.03.2017 ˆÅ¸½ ¤¸ÿˆÅ ›¸½ ²Å.1800.00 ˆÅ£¸½”õ ˆ½Å ¥¸®¡¸¸Ê ˆ½Å ¢¨¸²ÅÖ œ¸ú‡Ÿ¸‡Ÿ¸¨¸¸¡¸ ˆ½Å ‚š¸ú›¸ ²Å.1732.72 ˆÅ£¸½”õ ¬¸¿¢¨¸÷¸¢£÷¸ ¢ˆÅ‡. ¤¸ÿˆÅ ›¸½ ¬¸£ˆÅ¸£ ×¸£¸ œ¸ú‡Ÿ¸‡Ÿ¸¨¸¸¡¸ ˆ½Å ‚š¸ú›¸ ‚¸¤¸¿¢’÷¸ ¥¸®¡¸ ˆÅ¸ 96.54% œÏ¸œ÷¸ ¢ˆÅ¡¸¸.

¤¸ÿˆÅ ›¸½ ¢™›¸¸¿ˆÅ 16.09.2015 ˆÅ¸½ Ÿ¸ºÍ¸ ˆÅ¸”Ä ˆÅ¸ ©¸ºž¸¸£¿ž¸ ¢ˆÅ¡¸¸. 31.03.2017 ÷¸ˆÅ 8281 Ÿ¸ºÍ¸ ˆÅ¸”Ä ]¸¸£ú ¢ˆÅ‡.

4.3.2 ¬¸ú]¸ú’ú‡Ÿ¸‡¬¸ƒÄ ¡¸¸½]¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸¸¢Ÿ¸¥¸ „Ô¸Ÿ¸ ¬¸»®Ÿ¸, ¥¸‹¸º ‡¨¸¿ Ÿ¸š¡¸Ÿ¸ „Ô¸Ÿ¸¸Ê ˆ½Å ¢¥¸‡ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅú Ç½Å¢”’ Š¸¸£¿’ú

¢›¸¢š¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚š¸ú›¸ ²Å.100.00 ¥¸¸‰¸ ÷¸ˆÅ ˆÅú †µ¸ ¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾, ]¸í¸¿ ¤¸ÿˆÅ ×¸£¸ ˆÅ¸½ƒÄ ¬¸Ÿ¸˜¸ÄˆÅ œÏ¢÷¸ž¸»¢÷¸ ‡¨¸¿ ÷¸¼÷¸ú¡¸ œ¸®¸ Š¸¸£¿’ú ˆÅú Ÿ¸¸¿Š¸ ›¸íú¿ ˆÅú ]¸¸÷¸ú— ƒ¬¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚š¸ú›¸ ©¸¸¢Ÿ¸¥¸ ‰¸¸÷¸¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ²Å.10.00 ¥¸¸‰¸ ¬¸½ ‚¢š¸ˆÅ ˆ½Å †µ¸¸Ê ˆ½Å ¢¥¸‡ 50% ¨¸¸¢«¸ÄˆÅ Š¸¸£¿’ú ©¸º¥ˆÅ ˆÅ¸ ¨¸í›¸ ¤¸ÿˆÅ ×¸£¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾. Ÿ¸¸\¸Ä 2017 ÷¸ˆÅ ¤¸ÿˆÅ ›¸½ ƒ¬¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ 25955 „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ²Å.2228.75 ˆÅ£¸½”õ ˆ½Å †µ¸ Ÿ¸¿]¸»£ ¢ˆÅ‡ íÿ. \¸¸¥¸» ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ †µ¸ Š¸¸¿£’ú ¢›¸¢š¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚›÷¸Š¸Ä÷¸ ˆÅ¨¸£½]¸ 11.12% ¬¸½ ¤¸[õ¸.

4.3.3 Ÿ¸í÷¨¸œ¸»µ¸Ä ‰¸¿”¸Ê ˆÅ¸½ ¤¸ÿˆÅ ˆÅ¸ ¢¨¸Š¸¸½œ¸›¸

ÇÅ.¬¸¿.

®¸½°¸ 31.03.2017 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ £¸¢©¸

31.03.2016 ˆÅ¸½ ¤¸ˆÅ¸¡¸¸ £¸¢©¸

¤¸[¸½î¸£ú ˆÅ¸ % (+/-)

1 ¬¸»®Ÿ¸ ¢¨¸î¸ 154.52 152.62 -0.06%2 ˆÅŸ¸]¸¸½£ ¨¸Š¸Ä 12190 11006 10.76%3 ‚.]¸¸./‚.]¸.]¸¸. ¥¸¸ž¸¸˜¸úÄ 1738 1684 3.21%4 ‚¥œ¸¬¸¿‰¡¸ˆÅ ¬¸Ÿ¸º™¸¡¸ 2921 3037 -3.82%

5. ¤¸ÿˆÅ ˆÅú Ÿ¸í÷¨¸œ¸»µ¸Ä ¡¸¸½]¸›¸¸‡¿/œ¸¢£¡¸¸½]¸›¸¸‡¿5.1 ¢£’½¥¸ ®¸½°¸ ˆÅ¸½ †µ¸ œÏ¨¸¸í ¤¸ÿˆÅ ¨¸½÷¸›¸ž¸¸½Š¸ú ¨¡¸¢Æ÷¸¡¸¸Ê, œ¸½©¸½¨¸£¸Ê, ¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ¸Ê ‚¸¾£ œ¸Ê©¸›¸£¸Ê ˆÅ¸½

‚¸¨¸¸¬¸ú¡¸ ¬¸¿œ¸¢î¸¡¸¸¿/œ¥¸¸Á’Ã¬¸ ‰¸£ú™›¸½, „¬¸ˆÅú Ÿ¸£ŸŸ¸÷¸, ›¸¨¸ú›¸úˆÅ£µ¸ í½÷¸º, „œ¸ž¸¸½Æ÷¸¸ ¨¸¬÷¸º‡¿, ™¸½/\¸¸£ œ¸¢í¡¸¸ ¨¸¸í›¸ ‰¸£ú™›¸½, ¢©¸®¸¸ í½÷¸º ‚¸¾£ ‚›¡¸ ¨¸¾¡¸¢Æ÷¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê í½÷¸º ¢£’½¥¸ †µ¸ „œ¸¥¸¤š¸ ˆÅ£¸ £í¸ í¾. ¤¸ÿˆÅ ˆÅ¸ ¢£’½¥¸ †µ¸ ¬¸¿¢¨¸ž¸¸Š¸ ²Å.15792.02 ˆÅ£¸½”õ ˆÅ¸ í¾.

(²Å. ˆÅ£¸½”õ Ÿ¸Ê)

ÇÅ. ¡¸¸½]¸›¸¸ ¬¸¿¢®¸œ÷¸ ¢¨¸¨¸£µ¸ Ÿ¸¸\¸Ä 17 ˆÅ¸½ ¬¸¿¢¨¸ž¸¸Š¸

‚›¸]¸ÄˆÅ ‚¸¦¬÷¸ %

1 Ÿ¸í¸ ¬¸ºœ¸£ ‚¸¨¸¸¬¸ †µ¸ ¡¸¸½]¸›¸¸

‚¸¨¸¸¬¸ ®¸½°¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ‰¸¿” £í¸ í¾ ƒ¬¸¢¥¸‡ ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú ‚¸¢˜¸ÄˆÅ ‰¸¿”¸Ê ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ˆÅú œ¸»¢÷¸Ä í½÷¸º ¢¨¸¢ž¸››¸ ‚¸¨¸¸¬¸ †µ¸ ¡¸¸½]¸›¸¸‡¿ ¥¸¸Š¸» ˆÅú íÿ.¤¸ÿˆÅ ``›¸‡/ ¨¸÷¸ÄŸ¸¸›¸ ‚¸¨¸¸¬¸ ˆ½Å ¢›¸Ÿ¸¸Äµ¸/ ‰¸£ú™ú, ¨¸÷¸ÄŸ¸¸›¸ ‹¸£/ É¥¸¾’ ˆÅú Ÿ¸£ŸŸ¸÷¸/ ›¸¨¸úˆÅ£µ¸/ ÷¸¤¸™ú¥¸ú, œ¥¸¸Á’ ˆÅú ‰¸£ú™ú ‚¸¾£ „¬¸ œ¸£ ¢›¸Ÿ¸¸Äµ¸ ˆ½Å ¢¥¸‡ ‚¸¨¸¸¬¸ †µ¸ œÏ™¸›¸ ˆÅ£÷¸¸ í¾''

13595.20 2.72


21

2 Maha Super Car Loan Scheme and Mahabank vehicle Loan scheme

Bank has launched scheme for purchase of New four Wheeler i.e. Car, Jeep, Multi Utility vehicles (MUVs), SUV etc. for personal use.(i.e. not for hiring/ferrying passengers) for individuals (18 years and above).

669.36 4.89

3 Model Education Loan Scheme

Bank is implementing Model Education Loan Scheme as per IBA guidelines and provides hassle free Education loan to all meritorious and deserving Students (Indian National) for pursuing higher studies /education in India and abroad

891.05 5.87

4 Mahabank Top up Loan Scheme

In order to extend additional credit support to existing housing loan borrowers as well takeover of existing housing loan of other banks with additional facility of Top-up Loan, Bank has launched “Mahabank Top Up loan Scheme”.Under this scheme credit is extended for repair / renovation / furnishing of house, children’s education, Marriage of Children, Medical treatment, buying a vehicle or hi-tech gadgets etc.

67.72 2.00

5 Mahabank Gold Loan Scheme

With a view to tap the potential of gold loans as a lucrative asset and to cater to the needs of meeting other personal expenses, whatsoever which include personal expenditure of varied needs like marriage, higher education, medical emergencies, business travel etc, Bank has launched a retail loan product as “Mahabank Gold Loan Scheme” w.e.f. 26.09.2014.

96.58 2.80

6 Mahabank Aadhar Loan Scheme

To cater to the needs of our existing pension account holders in meeting their personal expenses, pilgrimage, medical, domestic needs etc. Bank has re-launched “Mahabank Aadhar Loan Scheme”.

283.21 0.68

5.2 Centralized Processing of loans

Bank has established Centralized Processing Cells for retail / commercial advances at all its 33 Zones for hassle free & due diligence of loans with aim to improve turn around time.

5.3 Door Step Banking Services

Bank has introduced Door Step Banking Services for its High End Customers and the services include Corporate and Retail Cash pickup and delivery & Cheque Collection Services, at Clients Doorstep.

2 Ÿ¸í¸¬¸ºœ¸£ ˆÅ¸£ †µ¸ ¡¸¸½]¸›¸¸ ‚¸¾£ Ÿ¸í¸¤¸ÿˆÅ ¨¸¸í›¸ †µ¸ ¡¸¸½]¸›¸¸

¤¸ÿˆÅ ›¸½ ¨¡¸¢Æ÷¸¡¸¸Ê (18 ¨¸«¸Ä ‚¸¾£ „¬¸¬¸½ ‚¢š¸ˆÅ ‚¸¡¸º) ˆ½Å ¢¥¸‡ ¨¸¾¡¸¢Æ÷¸ˆÅ „œ¸¡¸¸½Š¸ (¢ˆÅ£¸¡¸¸/ ¡¸¸°¸ú ‚¸¨¸¸Š¸Ÿ¸›¸ ˆ½Å ¢¥¸‡ ›¸íú¿) ›¸‡ ûÅ¸½£ ¨íú¥¸£ ¡¸˜¸¸ ˆÅ¸£, ]¸úœ¸, Ÿ¸¥’ú ¡¸»¢’¢¥¸’ú ¨¸½¢íˆÅ¥¸ (‡Ÿ¸¡¸»¨¸ú), ‡¬¸¡¸»¨¸ú ˆ½Å ‰¸£ú™ú ˆ½Å ¢¥¸‡ ¡¸¸½]¸›¸¸ ‚¸£¿ž¸ ˆÅú.

669.36 4.89

3 Ÿ¸¸Á”¥¸ ¢©¸®¸¸ †µ¸ ¡¸¸½]¸›¸¸

¤¸ÿˆÅ ‚¸ƒÄ¤¸ú‡ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å ‚›¸º¬¸¸£ Ÿ¸¸Á”¥¸ ¢©¸®¸¸ †µ¸ ¡¸¸½]¸›¸¸ ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅ£÷¸¸ í¾ ‚¸¾£ ž¸¸£÷¸ ‚¸¾£ ¢¨¸™½©¸ Ÿ¸Ê „\\¸ ¢©¸®¸¸/ ‚š¡¸¡¸›¸ ˆ½Å ¢¥¸‡ ¬¸ž¸ú Ÿ¸½š¸¸¨¸ú ‚¸¾£ ¡¸¸½Š¡¸ ¢¨¸Ô¸¸¢˜¸Ä¡¸¸Ê (ž¸¸£÷¸ú¡¸ £¸«’ïú¡¸) í½÷¸º ^¸¿^¸’ £¢í÷¸ ¢©¸®¸¸ †µ¸ œÏ™¸›¸ ˆÅ£÷¸¸ í¾—

891.05 5.87

4 Ÿ¸í¸¤¸ÿˆÅ ’¸Áœ¸ ‚œ¸ †µ¸ ¡¸¸½]¸›¸¸

¨¸÷¸ÄŸ¸¸›¸ ‚¸¨¸¸¬¸ †µ¸ „š¸¸£ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ‚¢÷¸¢£Æ÷¸ †µ¸ ¬¸í¡¸¸½Š¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å ¬¸¸˜¸ íú ’¸Áœ¸ ‚œ¸ †µ¸ ˆÅú ‚¢÷¸¢£Æ÷¸ ¬¸º¢¨¸š¸¸ ˆ½Å ¬¸¸˜¸ ‚›¡¸ ¤¸ÿˆÅ¸Ê ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ ‚¸¨¸¸¬¸ †µ¸¸Ê ˆÅ¸ ‚¢ž¸ŠÏíµ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ``Ÿ¸í¸¤¸ÿˆÅ ’¸Áœ¸ ‚œ¸ †µ¸ ¡¸¸½]¸›¸¸'' ˆÅ¸ ‚¸£¿ž¸ ¢ˆÅ¡¸¸ƒ¬¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¨¸¸¬¸ ˆ½Å ›¸¨¸úˆÅ£µ¸/ ¬¸]¸¸¨¸’/ Ÿ¸£ŸŸ¸÷¸ ˆ½Å ¢¥¸‡, ¤¸\\¸¸Ê ˆÅú ¢©¸®¸¸, ¤¸\\¸¸Ê ˆ½Å ¢¨¸¨¸¸í, ¢\¸¢ˆÅ÷¬¸¸ ‰¸\¸¸½ô, ¨¸¸í›¸ ¡¸¸ í¸ƒÄ-’½ˆÅ Š¸¾]¸½’ ‰¸£ú™›¸½ ˆ½Å ¢¥¸‡ †µ¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾.

67.72 2.00

5 Ÿ¸í¸¤¸ÿˆÅ ¬¨¸µ¸Ä †µ¸ ¡¸¸½]¸›¸¸

‚¸ˆÅ«¸ÄˆÅ ‚¸¦¬÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ¬¨¸µ¸Ä †µ¸ ˆÅú ¬¸¿ž¸¸¨¸›¸¸‚¸Ê ˆÅ¸ ¥¸¸ž¸ „“¸›¸½ ‚¸¾£ ‚›¡¸ ¨¸¾¡¸¢Æ÷¸ˆÅ ‰¸\¸¸½ô ¢]¸¬¸Ÿ¸Ê ¢¨¸¨¸¸í, „\\¸ ¢©¸®¸¸, ¢\¸¢ˆÅ÷¬¸¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‚¸Ê, ¨¡¸¨¸¬¸¸¡¸ ¡¸¸°¸¸ ƒ÷¡¸¸¢™ ]¸¾¬¸ú ¢¨¸¢ž¸››¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿ ©¸¸¢Ÿ¸¥¸ í¾, ˆÅú œ¸»¢÷¸Ä ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ¢™›¸¸¿ˆÅ 26.09.2014 ¬¸½ œÏž¸¸¨¸ú ¢£’½¥¸ †µ¸ „÷œ¸¸™ "Ÿ¸í¸¤¸ÿˆÅ ¬¨¸µ¸Ä †µ¸ ¡¸¸½]¸›¸¸" ‚¸£¿ž¸ ¢ˆÅ¡¸¸ í¾.

96.58 2.80

6 Ÿ¸í¸¤¸ÿˆÅ ‚¸š¸¸£ †µ¸ ¡¸¸½]¸›¸¸

íŸ¸¸£½ ¨¸÷¸ÄŸ¸¸›¸ œ¸Ê©¸›¸ ‰¸¸÷¸¸š¸¸£ˆÅ¸Ê ˆÅ¸½ „›¸ˆ½Å ¨¸¾¡¸¢Æ÷¸ˆÅ ‰¸\¸¸½ô, š¸¸¢Ÿ¸ÄˆÅ ¡¸¸°¸¸‚¸Ê, ¢\¸¢ˆÅ÷¬¸¸, ‹¸£½¥¸» ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ƒ÷¡¸¸¢™ ˆÅú œ¸»¢÷¸Ä ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ ``Ÿ¸í¸¤¸ÿˆÅ ‚¸š¸¸£ †µ¸ ¡¸¸½]¸›¸¸'' ˆÅ¸ œ¸º›¸À‚¸£¿ž¸ ¢ˆÅ¡¸¸.

283.21 0.68

5.2 †µ¸¸Ê ˆÅ¸ ˆÊÅÍúˆ¼Å÷¸ œÏ¬¸¿¬ˆÅ£µ¸ ¤¸ÿˆÅ ›¸½ ‚œ¸›¸½ ¬¸ž¸ú 33 ‚¿\¸¥¸¸Ê Ÿ¸Ê ‰¸º™£¸/ ¨¸¸¢µ¸¦]¡¸ˆÅ ‚¢ŠÏŸ¸¸Ê í½÷¸º ˆÊÅÍúˆ¼Å÷¸

œÏ¬¸¿¬ˆÅ£µ¸ ˆÅ®¸¸Ê ˆÅú ¬˜¸¸œ¸›¸¸ ˆÅú í¾ ¢]¸¬¸¬¸½ †µ¸ ˆÅ¸ ^¸¿^¸’ £¢í÷¸ ¢¨¸÷¸£µ¸ ‡¨¸¿ ¬¸Ÿ¸º¢\¸÷¸ ¬¸¸¨¸š¸¸›¸ú ¬¸º¢›¸¢ä¸÷¸ í¸½Š¸ú ‚¸¾£ ’›¸Ä ‚£¸„¿” ’¸ƒŸ¸ Ÿ¸Ê ¬¸ºš¸¸£ í¸½Š¸¸.

5.3 ×¸£ œ¸£ (”¸½‚£ ¬’½œ¸) ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿ ¤¸ÿˆÅ ›¸½ „\\¸ Ÿ¸»¥¡¸ ¨¸¸¥¸½ ‚œ¸›¸½ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ×¸£ œ¸£ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸½¨¸¸‡¿

‚¸£¿ž¸ ˆÅú í¾ ÷¸˜¸¸ ƒ›¸ ¬¸½¨¸¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ŠÏ¸íˆÅ ˆ½Å ×¸£ œ¸£ ¢›¸Š¸¢Ÿ¸÷¸ ‡¨¸¿ ‰¸º™£¸ ›¸ˆÅ™ œÏ¸¦œ÷¸ (¢œ¸ˆÅ ‚œ¸) ÷¸˜¸¸ ¬¸ºœ¸º™ÄŠ¸ú ‡¨¸¿ \¸½ˆÅ ¬¸¿ŠÏíµ¸ ¬¸½¨¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ.


22

5.4 BOM SBI International Credit Card

• The BOM-SBI card base is 50064

• The commission received from SBI Card is Rs. 83.00 Lakhs during the year 2016-17.

5.13 ALTERNATE DELIVERY CHANNELS

5.13.1 INTERNET /SMS/Phone Banking

Bank could achieved an increase of 28% in Internet Banking, 31% in Phone Banking and 33% in SMS banking over the previous year.

With continuous follow up and increase in net security through the Mahasecure for IBN users, substantial rise in users/online transactions is expected.

5.13.2 MOBILE BANKING

• Maha Mobile functionality has been customized and simplified for increasing the enrolments.

• A user manual on Internet Banking & New Maha Mobile functionality is prepared & sent to field staff for ready reference & marketing of the technology based products.

• Bank has introduced an Incentive schemes for Branch staff & Cash Back Offer to customers for Downloading “Maha Mobile App” in the month of December 2015

• Maha Mobile App has been increased by 15744 nos. in the month of December 2015.

• Presently, there are 112210 Mobile Banking users.

5.14 Tie Ups

5.14.1 Payment Gateway Services:

• Presently we are providing the facility of Payment Gateway to all our customers through our online aggregators.

• We have made tie up arrangement with following aggregators

Sr Particular Sr Particular1 M/s Atom Technologies 7 M/s CC Avenues2 M/s BILL DESK 8 M/s Citrus Payment

Solutions Pvt Ltd3 M/s EBS solutions

limited9 M/s PayTm

4 M/s Ibibo i.e. PAYU 10 M/s Techprocess payment Solutions

5 M/s TimesofMoney Limited

11 M/s SBI e pay

6 M/s Airpay 12 FSS Payment Solutions

5.14.2 ‘Remit2india’ facility

• “Remit2India” is a web-based, person to person money transfer system that allows individuals particularly our Non-Resident Depositors to remit foreign currency amount for credit to the Beneficiary account in India.

• Although the income is very less in this product but is facility/Services which we may be useful to attract NRI customers.

6. CORPORATE SOCIAL RESPONSIBILITY

The Rural Development Centers at Hadapsar- Pune and Bhigwan in Pune District of Maharashtra have been undertaking various rural developmental activities for the

5.4 ¤¸ú‚¸½‡Ÿ¸ ‡¬¸¤¸ú‚¸ƒÄ ‚¿÷¸£¸Ä«’ïú¡¸ Ç½Å¢”’ ˆÅ¸”Ä• • ¤¸ú‚¸½‡Ÿ¸-‡¬¸¤¸ú‚¸ƒÄ ˆÅ¸”Ä ˆÅ¸ ‚¸š¸¸£ 50064 í¾.

• • ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ‡¬¸¤¸ú‚¸ƒÄ ˆÅ¸”Ä ¬¸½ ˆÅŸ¸ú©¸›¸ ˆ½Å ³Åœ¸ Ÿ¸Ê ²Å.83.00 ¥¸¸‰¸ œÏ¸œ÷¸ íº‡.

5.13 ¨¸¾ˆÅ¦¥œ¸ˆÅ ¨¡¸¨¸¬¸¸¡¸ Ÿ¸¸š¡¸Ÿ¸5.13.1 ƒ¿’£›¸½’/‡¬¸‡Ÿ¸‡¬¸/ûÅ¸½›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ¤¸ÿˆÅ ›¸½ ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê 28%, ûÅ¸½›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê

31% ‡¨¸¿ ‡¬¸‡Ÿ¸‡¬¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸Ê 33% ˆÅú ¨¸¼¢Ö í¸¢¬¸¥¸ ˆÅú íÿ.

‚¸ƒÄ¤¸ú‡›¸ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä‚¸Ê ˆ½Å ¢¥¸‡ Ÿ¸í¸¢¬¸Æ¡¸¸½£ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¥¸Š¸¸÷¸¸£ ‚›¸º¨¸÷¸Ä›¸ ‡¨¸¿ ›¸½’ ¬¸º£®¸¸ Ÿ¸Ê ¨¸¼¢Ö ˆ½Å ûÅ¥¸¬¨¸²Åœ¸ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä‚¸Ê ˆÅú ¬¸¿‰¡¸¸/ ‚¸Á›¸¥¸¸ƒÄ›¸ ¥¸½›¸™½›¸ Ÿ¸Ê „¥¥¸½‰¸›¸ú¡¸ ¨¸¼¢Ö í¸½›¸½ ˆÅú ‚œ¸½®¸¸ í¾.

5.13.2 Ÿ¸¸½¤¸¸ƒ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ À• • œ¸¿]¸úˆÅ£µ¸ Ÿ¸Ê ¨¸¼¢Ö í½÷¸º Ÿ¸í¸Ÿ¸¸½¤¸¸ƒ¥¸ ˆÅ¸¡¸Ä œÏµ¸¸¥¸ú ˆÅ¸½ ŠÏ¸íˆÅ „›Ÿ¸º‰¸

‡¨¸¿ ¬¸£¥¸úˆ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.• • ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ ‡¨¸¿ ›¸ƒÄ Ÿ¸í¸Ÿ¸¸½¤¸¸ƒ¥¸ ˆÅ¸¡¸ÄœÏµ¸¸¥¸ú œ¸£ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä

Ÿ¸¾›¸º‚¥¸ ÷¸¾¡¸¸£ ˆÅ£ ¬¸ž¸ú ûÅú¥” ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅ¸½ ÷¸÷ˆÅ¸¥¸ ¬¸¿™ž¸Ä ÷¸˜¸¸ œÏ¸¾™¡¸¸½¢Š¸ˆÅú ‚¸š¸¸¢£÷¸ „÷œ¸¸™¸½¿ ˆ½Å ¢¨¸œ¸µ¸›¸ í½÷¸º ž¸½]¸¸ Š¸¡¸¸ í¾.

• • Ÿ¸¸í ¢™¬¸¿¤¸£ 2015 Ÿ¸Ê ¤¸ÿˆÅ ›¸½ `Ÿ¸í¸ Ÿ¸¸½¤¸¸ƒ¥¸ ‡½œ¸' ˆÅ¸½ ”¸…›¸¥¸¸½” ˆÅ£›¸½ œ¸£ ©¸¸‰¸¸ ¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ œÏ¸½÷¬¸¸í›¸ ‡¨¸¿ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ˆ¾Å©¸ ¤¸¾ˆÅ ‚¸ÁûÅ£ ¡¸¸½]¸›¸¸‚¸Ê ˆÅ¸ ‚¸£¿ž¸ ¢ˆÅ¡¸¸ í¾.

• • Ÿ¸¸í ¢™¬¸¿¤¸£ 2015 Ÿ¸Ê `Ÿ¸í¸ Ÿ¸¸½¤¸¸ƒ¥¸ ‡½œ¸'ˆÅú ¬¸¿‰¡¸¸ Ÿ¸Ê 15744 ˆÅú ¨¸¼¢Ö íºƒÄ í¾.

• • ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê 112210 Ÿ¸¸½¤¸¸ƒÄ¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä íÿ.5.14 Š¸“]¸¸½”õ5.14.1 ž¸ºŠ¸÷¸¸›¸ Š¸½’¨¸½ ¬¸½¨¸¸‡¿

• • ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê íŸ¸¸£½ ‚¸Á›¸¥¸¸ƒÄ›¸ ‡¢ŠÏŠ¸½’£¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ íŸ¸ ‚œ¸›¸½ ¬¸ž¸ú ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ž¸ºŠ¸÷¸¸›¸ Š¸½’¨¸½ ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£ £í½ íÿ.

• • íŸ¸›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ‡¢ŠÏŠ¸½’£¸Ê ˆ½Å ¬¸¸˜¸ Š¸“]¸¸½”õ ¨¡¸¨¸¬˜¸¸ ˆÅú í¾À

‚›¸º. ¤¡¸¸½£¸ ‚›¸º. ¤¡¸¸½£¸1 Ÿ¸½. ‡’Ÿ¸ ’½Æ›¸¸½¥¸¸Á]¸ú¬¸ 7 Ÿ¸½. ¬¸ú¬¸ú ‡¨í½›¡¸»]¸2 Ÿ¸½. ¢¤¸¥¸ ”½¬ˆÅ 8 Ÿ¸½. ¢¬¸’ï¬¸ œ¸½Ÿ¸Ê’ ¬¸¸½¥¡¸»©¸›¬¸

œÏ¸. ¢¥¸.3 Ÿ¸½. ƒÄ¤¸ú‡¬¸ ¬¸¸½¥¡¸»©¸›¬¸

¢¥¸¢Ÿ¸’½”9 Ÿ¸½. œ¸½’ú‡Ÿ¸

4 Ÿ¸½. ‚¸ƒÄ¤¸ú¤¸¸½ ¡¸˜¸¸ œ¸ú‡¨¸¸¡¸¡¸»

10 Ÿ¸½. ’½ˆÅœÏ¸½¬¸½¬¸ œ¸½Ÿ¸Ê’¬¸ ¬¸¸½¥¡¸»©¸›¬¸

5 Ÿ¸½. ’¸ƒÄŸ¬¸‚¸ÁûÅŸ¸›¸ú ¢¥¸¢Ÿ¸’½”

11 Ÿ¸½. ‡¬¸¤¸ú‚¸ƒÄ ƒÄ œ¸½

6 Ÿ¸½. ‡¡¸£œ¸½ 12 Ÿ¸½. ‡ûÅ‡¬¸‡¬¸ œ¸½Ÿ¸Ê’Ã¬¸ ¬¸¸½¥¡¸»©¸›¬¸

5.14.2 `£½¢Ÿ¸’2ƒ¿¢”¡¸¸' ¬¸º¢¨¸š¸¸• • `£½¢Ÿ¸’2ƒ¿¢”¡¸¸' ¨¸¾¤¸ ‚¸š¸¸¢£÷¸ ¨¡¸¢Æ÷¸ ¬¸½ ¨¡¸¢Æ÷¸ š¸›¸ ‚¿÷¸£µ¸

œÏµ¸¸¥¸ú í¾ ]¸¸½ ¨¡¸¢Æ÷¸¡¸¸Ê, ¢¨¸©¸½«¸÷¸À íŸ¸¸£½ ‚¢›¸¨¸¸¬¸ú ]¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸Ê ˆÅ¸½ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ £ˆÅŸ¸ ˆ½Å ¢¨¸œÏ½«¸µ¸ ‡¨¸¿ ž¸¸£÷¸ Ÿ¸Ê ¥¸¸ž¸¸˜¸úÄ ˆ½Å ‰¸¸÷¸½ Ÿ¸Ê ]¸Ÿ¸¸ ˆÅú ¬¸º¢¨¸š¸¸ œÏ™¸›¸ ˆÅ£÷¸¸ í¾.

• • ¡¸Ô¸¢œ¸ ƒ¬¸ „÷œ¸¸™ Ÿ¸Ê ‚¸¡¸ ¤¸íº÷¸ ˆÅŸ¸ í¾ ÷¸˜¸¸¢œ¸ ¡¸í ¬¸º¢¨¸š¸¸ /¬¸½¨¸¸ ‡›¸‚¸£‚¸ƒÄ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ‚¸ˆÅ¢«¸Ä÷¸ ˆÅ£›¸½ Ÿ¸Ê „œ¸¡¸¸½Š¸ú í¾.

6. ¢›¸Š¸¢Ÿ¸÷¸ ¬¸¸Ÿ¸¸¢]¸ˆÅ ™¸¢¡¸÷¨¸ À ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ×¸£¸ œ¸ºµ¸½ ¢]¸¥¸½ ˆ½Å í”õœ¸¬¸£ ‚¸¾£ ¢ž¸Š¸¨¸µ¸ Ÿ¸Ê ¦¬˜¸÷¸

ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ˆÊÅÍ¸Ê ×¸£¸ ¢ˆÅ¬¸¸›¸¸Ê ˆ½Å ¥¸¸ž¸¸˜¸Ä ¨¸Ÿ¸úÄ ˆ¿Åœ¸¸½]”, ‰¸¸£ú ¢Ÿ¸’Ã’ú ˆÅ¸ œ¸º›¸¢¨¸ÄˆÅ¸¬¸, ¢Ÿ¸’Ã’ú ˆÅú ]¸¸¿\¸ ƒ÷¡¸¸¢™ ]¸¾¬¸ú ¢¨¸¢ž¸››¸ œÏˆÅ¸£


23

benefit of farmers’ viz. Vermi compost, Re-development of Saline Soils, Soil Testing etc. Bank has established Soil testing lab (STL) through MARDEF Trust at RDC Bhigwan. The Soil Testing Laboratory has analyzed 7007 Soil and Water samples in the year 2016-17 and accordingly counseling is done. Farmers from the districts of Pune, Ahmednagar, Sholapur and Satara are taking benefit of the lab.

A Trust viz. Mahabank Agricultural Research and Rural Development Foundation (MARDEF) established by the bank, undertakes various projects and village improvement programmes. MARDEF is imparting training to farmers on various subjects in Agriculture. Trust has implemented 94 training programmes for farmers at RDC Bhigwan and Hadapsar and has benefited 3,245 farmers from April 2016 to March, 2017.

The Bank has established Seven Mahabank Self Employment Training Institutes (MSETI) for providing training to rural youth and women to enable them to acquire skills for self-employment through small business enterprises. The Institute has centers located at Pune, Nagpur, Aurangabad, Amravati Jalna, Thane and Nasik. The Institute has so far imparted training to 26801 educated unemployed youths. The settlement rate is 65 per cent.

Gramin Mahila Va Balak Vikas Mandal (GMVBVM), an NGO formed by Bank of Maharashtra and National Institute of Bank Management is actively involved in formation, nurturing, training and ensuring linkage of SHGs to Bank Credit.

The Bank has opened Financial Literacy Centers in Six Lead Districts namely Pune, Nasik, Aurangabad, Satara, Jalna and Thane for creating awareness about banking schemes.

7. LEAD BANK SCHEME7.1 Lead Bank Scheme The Bank has Lead Bank responsibility in seven districts of

Maharashtra State viz. Aurangabad, Jalna, Nasik, Palghar, Pune, Satara and Thane. Every year district credit plans for the districts are prepared and implemented with the cooperation of other banks as well as in coordination with District Collectors of respective Districts.

7.2 State Level Bankers’ Committee

The Bank is the Convenor of State Level bankers’ Committee (SLBC) for the State of Maharashtra and prepares State Annual Credit Plan. The plan for the year 2016-17 was for Rs.1,86,620/- crore which is highest in the country. The same was approved in a special meeting held under the Chairmanship of Hon’ble Chief Minister of Maharashtra. SLBC also ensures holding of quarterly meetings regularly to oversee the implementation of State Annual Credit Plans, priority sector lending and Govt. sponsored schemes in the State. Apart from regular SLBC meetings, various other meetings are also organized by SLBC to coordinate between various member banks, State Government, Government Agencies, Reserve Bank of India, NABARD and the Central Government. SLBC coordinates a network of more than 15,000 bank branches in the state.

In FY 2016-17, the State suffered due to continual draught in more than 16000 villages and also onslaught of natural calamities, the brunt of which is mostly borne by Agriculture and related activities. SLBC has always been very proactive in such calamities by issuing necessary guidelines in respect of relief measures, organizing special meetings and guiding the members whenever necessary.

As SLBC convener, Bank of Maharashtra coordinated implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) in the State of Maharashtra. A total of 136 lakh accounts were opened in the State and the State was declared as saturated for the purpose of opening of accounts. The process of opening of accounts is continued.

ˆÅú ¢¨¸ˆÅ¸¬¸¸÷Ÿ¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ \¸¥¸¸ƒÄ ]¸¸÷¸ú íÿ. ¤¸ÿˆÅ ›¸½ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ˆÊÅÍ (‚¸£”ú¬¸ú) ¢ž¸Š¸¨¸µ¸ Ÿ¸Ê Ÿ¸¸”½ÄûÅ ’ï¬’ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢Ÿ¸’Ã’ú ]¸¸¿\¸ œÏ¡¸¸½Š¸©¸¸¥¸¸ (‡¬¸’ú‡¥¸) ¬˜¸¸¢œ¸÷¸ ˆÅú í¾. ¨¸«¸Ä 2016-17 Ÿ¸Ê ¢Ÿ¸’Ã’ú œ¸£ú®¸µ¸ œÏ¡¸¸½Š¸©¸¸¥¸¸ Ÿ¸Ê 7007 ¢Ÿ¸’Ã’ú ÷¸˜¸¸ ]¸¥¸ ›¸Ÿ¸»›¸¸Ê ˆÅ¸ œ¸£ú®¸µ¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ‚¸¾£ ÷¸™›¸º¬¸¸£ œ¸£¸Ÿ¸©¸Ä ¢™¡¸¸ Š¸¡¸¸. œ¸ºµ¸½, ‚íŸ¸™›¸Š¸£, ¬¸¸½¥¸¸œ¸º£ ‚¸¾£ ¬¸¸÷¸¸£¸ ¢]¸¥¸¸Ê ˆ½Å ¢ˆÅ¬¸¸›¸ ƒ¬¸ œÏ¡¸¸½Š¸©¸¸¥¸¸ ˆÅ¸ ¥¸¸ž¸ „“¸ £í½ íÿ.

¤¸ÿˆÅ ×¸£¸ ¬˜¸¸¢œ¸÷¸ Ÿ¸í¸¤¸ÿˆÅ ¼Å¢«¸ ‚›¸º¬¸¿š¸¸›¸ ‚¸¾£ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ûÅ¸„¿”½©¸›¸ (Ÿ¸¸£”½ûÅ) ›¸¸Ÿ¸ˆÅ ›¡¸¸¬¸ ¢¨¸¢ž¸››¸ œÏˆÅ¸£ ˆ½Å ŠÏ¸Ÿ¸úµ¸ ¬¸ºš¸¸£ ˆÅ¸¡¸ÄÇÅŸ¸ ‚¸¾£ œ¸¢£¡¸¸½]¸›¸¸‡¿ \¸¥¸¸÷¸¸ í¾. Ÿ¸¸£”½ûÅ ˆ¼Å¢«¸ ˆ½Å ¢¨¸¢ž¸››¸ ¢¨¸«¸¡¸¸Ê œ¸£ ¢ˆÅ¬¸¸›¸¸Ê ˆÅ¸½ œÏ¢©¸®¸µ¸ ™½÷¸¸ í¾. Ÿ¸¸”½ÄûÅ ’ï¬’ ›¸½ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ ˆÊÅÍ (‚¸£”ú¬¸ú), ¢ž¸Š¸¨¸µ¸ ‚¸¾£ í”õœ¸¬¸£ ˆ½Å ¢ˆÅ¬¸¸›¸¸Ê í½÷¸º 94 œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ¢ˆÅ‡ ÷¸˜¸¸ ‚œÏ¾¥¸ 2016 ¬¸½ Ÿ¸¸\¸Ä 2017 ÷¸ˆÅ 3245 ¢ˆÅ¬¸¸›¸ ¥¸¸ž¸¸¦›¨¸÷¸ íº‡.

¤¸ÿˆÅ ›¸½ ŠÏ¸Ÿ¸úµ¸ ¡¸º¨¸¸‚¸Ê ÷¸˜¸¸ Ÿ¸¢í¥¸¸‚¸Ê ˆÅ¸½ Ž¸½’½ ¨¡¸¨¸¬¸¸¢¡¸ˆÅ „Ô¸Ÿ¸¸Ê ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¬¨¸£¸½]¸Š¸¸£ í½÷¸º ˆÅ¸¾©¸¥¸ ‚]¸Ä›¸ ˆÅ£›¸½ í½÷¸º œÏ¢©¸®¸µ¸ ™½›¸½ ˆ½Å ¢¥¸‡ ¬¸¸÷¸ Ÿ¸í¸¤¸ÿˆÅ ¬¨¸£¸½]¸Š¸¸£ œÏ¢©¸®¸µ¸ ¬¸¿¬˜¸¸›¸¸Ê (‡Ÿ¸-¬¸½’ú) ˆÅú ¬˜¸¸œ¸›¸¸ Åú í¾. ¬¸¿¬˜¸¸›¸ ½Å œ¸ºµ¸½, ›¸¸Š¸œ¸º£, ‚¸¾£¿Š¸¸¤¸¸™, ‚Ÿ¸£¸¨¸÷¸ú, ]¸¸¥¸›¸¸, “¸µ¸½ ÷¸˜¸¸ ›¸¸¢©¸ˆÅ Ÿ¸Ê œÏ¢©¸®¸µ¸ ˆÊÅÍ íÿ. ¬¸¿¬˜¸¸›¸ ›¸½ ‚¤¸ ÷¸ˆÅ 26801 ¢©¸¢®¸÷¸ ¤¸½£¸½]¸Š¸¸£ ¡¸º¨¸¸‚¸Ê ˆÅ¸½ œÏ¢©¸®¸µ¸ œÏ™¸›¸ ¢ˆÅ¡¸¸ í¾. ¬¸½’¥¸Ÿ¸Ê’ ™£ 65 œÏ¢÷¸©¸÷¸ í¾.

¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ‚¸¾£ £¸«’ïú¡¸ ¤¸ÿˆÅ œÏ¤¸¿š¸›¸ ¬¸¿¬˜¸¸›¸ ×¸£¸ Š¸¢“÷¸ ŠÏ¸Ÿ¸úµ¸ Ÿ¸¢í¥¸¸ ¨¸ ¤¸¸¥¸ ¢¨¸ˆÅ¸¬¸ Ÿ¸¿”¥¸ (]¸ú‡Ÿ¸¨¸ú¤¸ú¨¸ú‡Ÿ¸) ‡ˆÅ Š¸¾£ ¬¸£ˆÅ¸£ú ¬¸¿Š¸“›¸ í¾. ¡¸í ¬¸¿Š¸“›¸ ¬¨¸-¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í¸Ê ˆ½Å Š¸“›¸, œ¸¸½«¸µ¸, œÏ¢©¸®¸µ¸ ‚¸¾£ „›íÊ ¤¸ÿˆÅ †µ¸ ¬¸½ ¬¸Ÿ¤¸Ö ˆÅ£›¸½ ˆÅ¸ ˆÅ¸¡¸Ä ¬¸¢ÇÅ¡¸ ³Åœ¸ ¬¸½ ˆÅ£ £í¸ í¾.

¤¸ÿˆÅ ›¸½ ¤¸ÿ¢ˆ¿ÅŠ¸ ¡¸¸½]¸›¸¸‚¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ]¸¸Š¸³ÅˆÅ÷¸¸ „÷œ¸››¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ Ží ‚ŠÏµ¸ú ¢]¸¥¸¸Ê ¡¸˜¸¸ œ¸ºµ¸½, ›¸¸¢©¸ˆÅ, ‚¸¾£¿Š¸¸¤¸¸™, ¬¸¸÷¸¸£¸, ]¸¸¥¸›¸¸ ¨¸ “¸µ¸½ Ÿ¸Ê ¢¨¸î¸ú¡¸ ¬¸¸®¸£÷¸¸ ˆ½Å›Í¸Ê ˆÅ¸ ©¸ºž¸¸£¿ž¸ ¢ˆÅ¡¸¸ í¾.

7. ‚ŠÏµ¸ú ¤¸ÿˆÅ ¡¸¸½]¸›¸¸7.1 ‚ŠÏµ¸ú ¤¸ÿˆÅ ¡¸¸½]¸›¸¸ Ÿ¸í¸£¸«’ï £¸]¡¸ ˆ½Å ¬¸¸÷¸ ¢]¸¥¸¸Ê ¡¸˜¸¸ ‚¸¾£¿Š¸¸¤¸¸™, ]¸¸¥¸›¸¸, ›¸¸¢©¸ˆÅ, œ¸ºµ¸½,

¬¸¸÷¸¸£¸, “¸µ¸½ ¨¸ œ¸¸¥¸‹¸£ Ÿ¸Ê ‚ŠÏµ¸ú ¤¸ÿˆÅ ˆÅ¸ „î¸£™¸¢¡¸÷¨¸ ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ í¾. œÏ÷¡¸½ˆÅ ¨¸«¸Ä ‚›¡¸ ¤¸ÿˆÅ¸Ê ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ ¢]¸¥¸½ ˆ½Å ¢]¸¥¸¸š¸ú©¸ ˆ½Å ¬¸í¡¸¸½Š¸ ¬¸½ ¤¸ÿˆÅ ¢]¸¥¸¸ †µ¸ ¡¸¸½]¸›¸¸ ¤¸›¸¸ˆÅ£ ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ˆÅ£÷¸¸ í¾.

7.2 £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ ¤¸ÿˆÅ, Ÿ¸í¸£¸«’ï £¸]¡¸ Ÿ¸Ê £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ (‡¬¸‡¥¸¤¸ú¬¸ú) ˆÅ¸

¬¸¿¡¸¸½]¸ˆÅ í¾ ‚¸¾£ £¸]¡¸ ˆÅú ¨¸¸¢«¸ÄˆÅ †µ¸ ¡¸¸½]¸›¸¸ ¤¸›¸¸÷¸¸ í¾. ¨¸«¸Ä 2016-17 ˆ½Å ¢¥¸‡ ¡¸¸½]¸›¸¸ ²Å.1,86,620/- ˆÅ£¸½”õ ˆÅú ˜¸ú ]¸¸½ ™½©¸ Ÿ¸Ê ¬¸¤¸¬¸½ ¤¸”õú ˜¸ú. Ÿ¸í¸£¸«’ï ˆ½Å Ÿ¸¸›¸›¸ú¡¸ Ÿ¸º‰¡¸Ÿ¸¿°¸ú ˆÅú ‚š¡¸®¸÷¸¸ Ÿ¸Ê ¬¸¿œ¸››¸ ¢¨¸©¸½«¸ ¤¸¾“ˆÅ Ÿ¸Ê ¡¸¸½]¸›¸¸ Å¸ ‚›¸ºŸ¸¸½™›¸ íº‚¸ ¸¸. £¸]¡¸ ¸¸¢«¸ÄˆÅ †µ¸ ¡¸¸½]¸›¸¸, œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸ ˆÅú „š¸¸£ú ‚¸¾£ £¸]¡¸ Ÿ¸Ê ¬¸£ˆÅ¸£ ×¸£¸ œÏ¸¡¸¸½¢]¸÷¸ ¡¸¸½]¸›¸¸‚¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¢›¸Š¸£¸›¸ú ˆ½Å ¢¥¸‡ ¢›¸¡¸¢Ÿ¸÷¸ ¢÷¸Ÿ¸¸íú ¤¸¾“ˆÅ¸Ê ˆÅ¸ ‚¸¡¸¸½]¸›¸ ž¸ú £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ ˆÅ£÷¸ú í¾. £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ ˆÅú ¢›¸¡¸¢Ÿ¸÷¸ ¤¸¾“ˆÅ¸Ê ˆ½Å ‚¥¸¸¨¸¸ £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ ×¸£¸ ¢¨¸¢ž¸››¸ ¬¸™¬¡¸ ¤¸ÿˆÅ¸Ê, £¸]¡¸ ¬¸£ˆÅ¸£, £¸]¡¸ ¬¸£ˆÅ¸£ ˆÅú ‡]¸Ê¢¬¸¡¸¸Ê, ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ, ›¸¸¤¸¸”Ä ‚¸¾£ ˆÊÅÍ ¬¸£ˆÅ¸£ ˆ½Å Ÿ¸š¡¸ ¬¸Ÿ¸›¨¸¡¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ‚›¡¸ ¢¨¸¢ž¸››¸ ¤¸¾“ˆÅ¸Ê ˆÅ¸ ‚¸¡¸¸½]¸›¸ ž¸ú ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾. £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ £¸]¡¸ Ÿ¸Ê 15,000 ¬¸½ ‚¢š¸ˆÅ ¤¸ÿˆÅ ©¸¸‰¸¸‚¸Ê ˆ½Å ¤¸ú\¸ ¬¸Ÿ¸›¨¸¡¸ ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£÷¸ú í¾.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ £¸]¡¸ ˆ½Å 16,000 ¬¸½ ‚¢š¸ˆÅ Š¸¸¿¨¸¸Ê Ÿ¸Ê ¥¸Š¸¸÷¸¸£ ¬¸»‰¸¸ ÷¸˜¸¸ œÏ¸ˆ¼Å¢÷¸ˆÅ ¢¨¸œ¸™¸‡¿ ‚¸÷¸ú £íú ¢]¸¬¸ˆÅ¸ ¬¸¤¸¬¸½ ‚¢š¸ˆÅ œÏž¸¸¨¸ ˆ¼Å¢«¸ ‚¸¾£ ¬¸¿¤¸¿¢š¸÷¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê œ¸£ íº‚¸. ƒ¬¸ œÏˆÅ¸£ ˆ½Å ‚¸œ¸™¸ˆÅ¸¥¸ Ÿ¸Ê £¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ £¸í÷¸ „œ¸¸¡¸¸Ê, ¢¨¸©¸½«¸ ¤¸¾“ˆÅ¸Ê ˆ½Å ‚¸¡¸¸½]¸›¸ ‚¸¾£ ]¸í¸¿ ‚¸¨¸©¡¸ˆÅ íº‚¸ ¸í¸¿ ¬¸™¬¡¸¸Ê Å¸ Ÿ¸¸Š¸Ä™©¸Ä›¸ Å£›¸½ Ÿ¸Ê ¬¸¢ÇÅ¡¸ £íú í¾.

£¸]¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ£ ¬¸¢Ÿ¸¢÷¸ Å¸ ¬¸Ÿ¸›¨¸¡¸ˆÅ í¸½›¸½ ½Å ›¸¸÷¸½ ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï œÏš¸¸›¸Ÿ¸¿°¸ú ]¸›¸-š¸›¸ ¡¸¸½]¸›¸¸ (œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸) ˆÅ¸ ¬¸Ÿ¸›¨¸¡¸›¸ Ÿ¸í¸£¸«’ï £¸]¡¸ Ÿ¸Ê ˆÅ£ £í¸ í¾. £¸]¡¸ Ÿ¸Ê ˆºÅ¥¸ 136 ¥¸¸‰¸ ‰¸¸÷¸½ ‰¸¸½¥¸½ Š¸‡ ‚¸¾£ ‰¸¸÷¸¸ ‰¸¸½¥¸›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ Ÿ¸í¸£¸«’ï ¬¸¿÷¸¼œ÷¸ £¸]¡¸ ‹¸¸½¢«¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸. ÷¸˜¸¸¢œ¸ ‰¸¸÷¸¸ ‰¸¸½¥¸›¸½ ˆÅú œÏ¢ÇÅ¡¸¸ ]¸¸£ú í¾.


24

S L B C Maharashtra received award for highest Adhar seeding of PMJDY accounts from Department of Financial Service, MOF New Delhi.

7.3. FINANCIAL INCLUSION / PMJDY:

Scheme Particulars 2014-15 2015-16 2016-17FI Plan No of

Transactions by BCA (in lakhs)

20.80 55.27 109.75

Amt of transactions (in Cr)

602.08 2063.37 4702.81

PMJDY No. of PMJDY accounts(in lakhs)

22.96 32.19 42.28

Of Which Aadhaar Seeded

11.81 24.05 33.18

% OF Aadhaar Seeding

51.44 74.71 78.48

Of Which Mobile Seeding

10.74 23.22 32.16

% of Mobile Seeding

46.78 72.13 76.06

Balance in PMJDY A/c (in Cr)

209.86 531.97 932.05

Average Bal. per account actual

914 1653 2205

Zero Bal. PMJDY A/cs

13.43 13.61 16.34

BSBD Accounts

Total BSBD Accounts

53.30 61.70 71.28

O/S Balance in BSBD A/c (in Cr)

516.50 893.57 1410.85

Average bal. per account (actual)

969 1448 1979

Commission Paid towards BC Services (in Crore)

5.30 11.95 23.07

The Bank has a full-fledged call centre with toll free number 18001022636 for redressal of PMJDY grievances.

The Financial Literacy Material has been prepared in vernacular languages and supplied to all Branches / Bank Mitrs for supplying the same to accountholders during FLC camps.

Financial literacy camps are organized different schools in districts of Maharashtra. All skilling centers /ITI are mapped under financial literacy project

Bank has been awarded for excellent performance in the field of financial inclusion from prestigious institutes like IBA, DFS, and Economic Times.

8. SUBSIDIARIES/JOINT VENTURES AND SPONSORED INSTITUTIONS

8.1 Performance of Regional Rural Bank

Maharashtra Gramin Bank (MGB) is a Regional Rural Bank sponsored by the Bank, having its Head Office at Aurangabad, Maharashtra State. Total no of branches as on 31.3.2017 stood at 408 in its area of operation covering 17 out of 36 districts of Maharashtra State.

All 408 branches and controlling offices are now under CBS. MGB opened 11 new branches during this year.

‡¬¸‡¥¸¤¸ú¬¸ú Ÿ¸í¸£¸«’ï ˆÅ¸½ œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸ ‰¸¸÷¸¸Ê ˆÅ¸ ¬¸¨¸¸Ä¢š¸ˆÅ ‚¸š¸¸£ ¬¸ú¢”¿Š¸ ˆÅ£›¸½ í½÷¸º ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸, ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸, ›¸ƒÄ ¢™¥¥¸ú ¬¸½ œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ íº‚¸ í¾.

7.3 ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸/œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸

¡¸¸½]¸›¸¸ ¢¨¸¨¸£µ¸ 2014-15 2015-16 2016-17

‡ûÅ‚¸ƒÄ ¡¸¸½]¸›¸¸¤¸ú¬¸ú‡ ×¸£¸ ¬¸¿¨¡¸¨¸í¸£¸Ê ˆÅú ¬¸¿‰¡¸¸ (¥¸¸‰¸ Ÿ¸Ê)

20.80 55.27 109.75

¬¸¿¨¡¸¨¸í¸£¸Ê ˆÅú £¸¢©¸ (ˆÅ£¸½”õ Ÿ¸Ê)

602.08 2063.37 4702.81

œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸ ‰¸¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ (¥¸¸‰¸ Ÿ¸Ê)

22.96 32.19 42.28

¢]¸›¸Ÿ¸Ê ¬¸½ ‚¸š¸¸£ ¬¸ú”½” 11.81 24.05 33.18‚¸š¸¸£ ¬¸ú¢”¿Š¸ ˆÅ¸ % 51.44 74.71 78.48¢]¸›¸Ÿ¸Ê ¬¸½ Ÿ¸¸½¤¸¸ƒ¥¸ ¬¸ú¢”¿Š¸ 10.74 23.22 32.16Ÿ¸¸½¤¸¸ƒ¥¸ ¬¸ú¢”¿Š¸ ˆÅ¸ % 46.78 72.13 76.06œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸ ‰¸¸÷¸¸Ê Ÿ¸Ê ©¸½«¸ (ˆÅ£¸½”õ Ÿ¸Ê)

209.86 531.97 932.05

œÏ¢÷¸ ‰¸¸÷¸¸ ‚¸¾¬¸÷¸ ©¸½«¸ ¨¸¸¬÷¸¢¨¸ˆÅ

914 1653 2205

©¸»›¡¸ ©¸½«¸ œ¸ú‡Ÿ¸]¸½”ú¨¸¸¡¸ ‰¸¸÷¸½

13.43 13.61 16.34

¤¸ú‡¬¸¤¸ú”ú ‰¸¸÷¸½

ˆºÅ¥¸ ¤¸ú‡¬¸¤¸ú”ú ‰¸¸÷¸½ 53.30 61.70 71.28

¤¸ú‡¬¸¤¸ú”ú ‰¸¸÷¸¸Ê Ÿ¸Ê ‚¸½/ ‡¬¸ ©¸½«¸ (ˆÅ£¸½”õ Ÿ¸Ê)

516.50 893.57 1410.85

œÏ¢÷¸ ‰¸¸÷¸¸ ‚¸¾¬¸÷¸ ©¸½«¸ (¨¸¸¬÷¸¢¨¸ˆÅ)

969 1448 1979

¤¸ú¬¸ú ¬¸½¨¸¸‚¸Ê ˆ½Å œÏ¢÷¸ ™½¡¸ ˆÅŸ¸ú©¸›¸ (ˆÅ£¸½”õ Ÿ¸Ê)

5.30 11.95 23.07

œÏš¸¸›¸Ÿ¸¿°¸ú ]¸›¸-š¸›¸ ¡¸¸½]¸›¸¸ ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸ ¢›¸¨¸¸£µ¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ›¸½ 18001022636 ’¸½¥¸ üÅú ÇÅŸ¸¸¿ˆÅ ¨¸¸¥¸¸ œ¸»µ¸Ä ¢¨¸ˆÅ¢¬¸÷¸ ˆÅ¸Á¥¸ ¬¸Ê’£ ‰¸¸½¥¸¸ í¾.

¬˜¸¸›¸ú¡¸ ž¸¸«¸¸‚¸Ê Ÿ¸Ê ¢¨¸î¸ú¡¸ ¬¸¸®¸£÷¸¸ ˆÅú ¬¸¸Ÿ¸ŠÏú ÷¸¾¡¸¸£ ˆÅ£ ©¸¸‰¸¸‚¸Ê/ ¤¸ÿˆÅ ¢Ÿ¸°¸¸Ê Å¸½ „œ¸¥¸¤š¸ Åú Š¸ƒÄ í¾ ÷¸¸¢ˆÅ ¢¨¸î¸ú¡¸ ¬¸¸®¸£÷¸¸ ÿÅœ¸¸Ê ½Å ™¸¾£¸›¸ ƒ›í½ ‰¸¸÷¸¸š¸¸£ˆÅ¸Ê Ÿ¸Ê ¢¨¸÷¸¢£÷¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å.

¢¨¸î¸ú¡¸ ¬¸¸®¸£÷¸¸ ¢©¸¢¨¸£¸Ê ˆÅ¸ ‚¸¡¸¸½]¸›¸ Ÿ¸í¸£¸«’ï ˆ½Å ¢]¸¥¸¸Ê ˆ½Å ¢¨¸¢ž¸››¸ ¢¨¸™¡¸¸¥¸¡¸¸Ê Ÿ¸Ê ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾. ¬¸ž¸ú ˆÅ¸¾©¸¥¸ ˆÊÅÍ¸Ê / ‚¸ƒÄ’ú‚¸ƒÄ ˆÅ¸½ ¢¨¸î¸ú¡¸ ¬¸¸®¸£÷¸¸ œ¸¢£¡¸¸½]¸›¸¸ ˆ½Å ‚š¸ú›¸ ¢\¸¦â÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

¤¸ÿˆÅ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸¿¬˜¸¸›¸, ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ ÷¸˜¸¸ ƒˆÅ¸Á›¸¸Á¢Ÿ¸ˆÅ ’¸ƒÄŸ¬¸ ]¸¾¬¸ú œÏ¢÷¸¦«“÷¸ ¬¸¿¬˜¸¸›¸¸Ê ×¸£¸ ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸ ˆ½Å ®¸½°¸ Ÿ¸Ê „÷ˆ¼Å«’ ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ í½÷¸º œ¸º£¬ˆ¼Å÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

8. ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸¿ / ¬¸¿¡¸ºÆ÷¸ „Ô¸Ÿ¸ ‚¸¾£ œÏ¸¡¸¸½¢]¸÷¸ ¬¸¿¬˜¸¸‡¿8.1 ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ (‡Ÿ¸]¸ú¤¸ú) ‡ˆÅ ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ í¾, ¢]¸¬¸ˆÅ¸

œÏ¸¡¸¸½]¸›¸ ¤¸ÿˆÅ ›¸½ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¢]¸¬¸ˆÅ¸ Ÿ¸º‰¡¸¸¥¸¡¸ Ÿ¸í¸£¸«’ï ˆ½Å ‚¸¾£¿Š¸¸¤¸¸™ ©¸í£ Ÿ¸Ê í¾. ¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ¤¸ÿˆÅ ˆ½Å œ¸¢£\¸¸¥¸›¸ ®¸½°¸¸Ê Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ©¸¸‰¸¸‡¿ 408 íÿ ]¸¸½ Ÿ¸í¸£¸«’ï £¸]¡¸ ˆ½Å 36 ¢]¸¥¸¸Ê Ÿ¸Ê ¬¸½ 17 ¢]¸¥¸¸Ê Ÿ¸Ê ¦¬˜¸÷¸ íÿ.

¬¸ž¸ú 408 ©¸¸‰¸¸‡¿ ‚¸¾£ ¢›¸¡¸¿°¸ˆÅ Å¸¡¸¸Ä¥¸¡¸ ¬¸ú¤¸ú‡¬¸ ½Å ‚š¸ú›¸ íÿ. ƒ¬¸ ¸«¸Ä ˆ½Å ™¸¾£¸›¸ Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ ›¸½ 11 ›¸ƒÄ ©¸¸‰¸¸‡¿ ‰¸¸½¥¸ú íÿ.


25

Maharashtra Gramin Bank has crossed the benchmark of Rs.11000 Cr Total Business and Rs.100 Cr Operating Profit by achieving Rs.11899 Cr Total Business and Rs.118.94 Cr Operating Profit as on 31.03.2017 with a YOY growth rate of 30.75%

The percentage of CASA to total deposit is 58.94%.Operating profit of MGB is Rs. 118.94 Crore (growth of 30.75%). During this year 2016-17, MGB has grown by 20.07% in total deposits and 11.32 % in advances.

Under Pradhan Mantri Jandhan Yojana surveys of all allotted 898 SSAs and 80 wards were conducted for identification of households having no bank account. The Bank has covered all allotted SSAs by engaging BCAs. Total 8.54 lakh accounts have been opened during the PMJDY campaign period and “RuPay ATM debit cards” have been issued to 7.45 lakh account holders. Maharashtra Gramin Bank has actively participated in the PMJJBY, PMSBY and APY as well as the PMMY scheme declared by GoI, DFS.

Bank has achieved most of the Targets under MOU_DAP for the financial year 2016-17 in the major Key performance parameters.

SR NO

PERFORMANCE PARAMETER

TARGET FOR THE FY

2016-17

ACTUAL AS ON 31.03.2017

1 Growth in Core Deposit (%) 10.78 20.072 Growth in Advances (%) 10.27 11.323 Recovery % June 2016 60.00 58.004 NPA Level 227.34 369.375 Growth in Agriculture

Advances 15.63 13.76

6 CD Ratio 71.21 66.33

7Increase in No. of SHGs credit linked - 4530

8 Increase in No. of KCC Cards - 233726

9 Net Profit After Tax 42.25 42.19

10 Per Branch Profit (Lakh) 15.97 10.34

11 Per Employee Profit (Lakh) 4.19 2.91

8.2 The Maharashtra Executor & Trustee Company Pvt. Ltd.

Maharashtra Executor & Trustee Company Pvt. Ltd. (METCO), the 100% subsidiary of Bank of Maharashtra was established in 1946 with an aim to provide services auxiliary to banking such as:

Consultation, Drafting & Execution of will

Consultation, Drafting and Management of Private Trusts / Public Trusts

Management of investments & house properties as attorney

Guardianship of minor’s property

Consultation for sale/purchase of property

Filing of I-Tax Returns for individuals

The Company is located at Pune having its branch units at Pune, Vashi-Mumbai, Thane and Nagpur. It is managing about 1094 Public & Private Trusts. During the year, additional 27 Wills were added making total 1125 Will in its custody for execution.

Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ (‡Ÿ¸]¸ú¤¸ú) ›¸½ ²Å.11,000 ˆÅ£¸½”õ ˆ½Å ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ ‡¨¸¿ ²Å.100 ˆÅ£¸½”õ ˆÅ¸ œ¸¢£\¸¸¥¸›¸ ¥¸¸ž¸ ˆ½Å Ÿ¸¸›¸™¿” ˆÅ¸½ œ¸¸£ ˆÅ£÷¸½ íº‡ 31.03.2017 ˆÅ¸½ ²Å.11899 ˆÅ£¸½”õ ˆÅ¸ ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ ‡¨¸¿ ²Å.118.94 ˆÅ£¸½”õ ˆÅ¸ œ¸¢£\¸¸¥¸›¸ ¥¸¸ž¸ í¸¢¬¸¥¸ ¢ˆÅ¡¸¸ í¾. ¨¸«¸Ä ™£ ¨¸«¸Ä ¨¸¼¦š™ ˆÅú ™£ 30.75% £íú.

ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸Ê \¸¸¥¸» ‰¸¸÷¸¸-¤¸\¸÷¸ ‰¸¸÷¸¸ (ˆÅ¸¬¸¸) ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅ¸ ¢í¬¬¸¸ 58.94% £í¸. Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ ˆÅ¸ œ¸¢£\¸¸¥¸›¸Š¸÷¸ ¥¸¸ž¸ ²Å.118.94 ˆÅ£¸½”õ ˆÅ¸ £í¸ (30.75% ˆÅú ¨¸¼¢Ö). ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸, Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ ˆÅú ˆºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê Ÿ¸Ê 20.07% ‚¸¾£ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê 11.32% ˆÅú ¨¸¼¢Ö íºƒÄ.

œÏš¸¸›¸Ÿ¸¿°¸ú ]¸›¸-š¸›¸ ¡¸¸½]¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‚¸¤¸¿¢’÷¸ 898 „œ¸ ¬¸½¨¸¸ ®¸½°¸ ‚¸¾£ 80 ¨¸¸”¸½ô ˆÅ¸ ¬¸¨¸½Ä®¸µ¸ ¤¸ÿˆÅ ‰¸¸÷¸¸ £¢í÷¸ œ¸¢£¨¸¸£¸Ê ˆ½Å ‚¢ž¸¢›¸š¸¸Ä£µ¸ í½÷¸º ¢ˆÅ¡¸¸ Š¸¡¸¸. ¤¸ÿˆÅ ›¸½ ¬¸ž¸ú ‚¸¤¸¿¢’÷¸ „œ¸ ¬¸½¨¸¸ ®¸½°¸¸Ê Ÿ¸Ê ¤¸ú¬¸ú‡ ÷¸¾›¸¸÷¸ ¢ˆÅ‡. œÏš¸¸›¸Ÿ¸¿°¸ú ]¸›¸-š¸›¸ ¡¸¸½]¸›¸¸ ‚¢ž¸¡¸¸›¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ˆºÅ¥¸ 8.54 ¥¸¸‰¸ ‰¸¸÷¸½ ‰¸¸½¥¸½ Š¸‡ ‚¸¾£ 7.45 ¥¸¸‰¸ ‰¸¸÷¸¸ š¸¸£ˆÅ¸½¿ ˆÅ¸½ `²Å-œ¸½ ‡’ú‡Ÿ¸ ”½¢¤¸’ ˆÅ¸”Ä' ]¸¸£ú ¢ˆÅ‡ Š¸‡. Ÿ¸í¸£¸«’ï ŠÏ¸Ÿ¸úµ¸ ¤¸ÿˆÅ ›¸½ œ¸ú‡Ÿ¸]¸½]¸½¤¸ú¨¸¸¡¸, œ¸ú‡Ÿ¸‡¬¸¤¸ú¨¸¸¡¸ ÷¸˜¸¸ ‡œ¸ú¨¸¸¡¸ ‡¨¸¿ ¬¸¸˜¸ íú ž¸¸£÷¸ ¬¸£ˆÅ¸£, ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ ×¸£¸ ‹¸¸½¢«¸÷¸ œ¸ú‡Ÿ¸‡Ÿ¸¨¸¸¡¸ ¡¸¸½]¸›¸¸ Ÿ¸Ê ¬¸¢Ç½Å¡¸÷¸¸ ¬¸½ ž¸¸Š¸ ¢¥¸¡¸¸.

¤¸ÿˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ Ÿ¸¸›¸™¿”¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ‡Ÿ¸‚¸½¡¸»-”ú‡œ¸ú ˆ½Å ‚š¸ú›¸ ‚¢š¸ˆÅ¸¿©¸ ¥¸®¡¸ œÏ¸œ÷¸ ¢ˆÅ‡ À

‚›¸º. ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ Ÿ¸¸›¸™¿”¢¨¸î¸ú¡¸ ¨¸«¸Ä

2016-17 ˆ½Å ¢¥¸‡ ¥¸®¡¸

31.03.2017 ˆÅ¸½ ¨¸¸¬÷¸¢¨¸ˆÅ

„œ¸¥¸¦¤š¸1 ˆÅ¸½£ ]¸Ÿ¸¸ Ÿ¸Ê ¨¸¼¦š™ (%) 10.78 20.072 ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ¨¸¼¦š™ % 10.27 11.323 ]¸»›¸ 2016 ˆÅú ¨¸¬¸»¥¸ú % 60.00 58.004 ‡›¸œ¸ú‡ ¬÷¸£ 227.34 369.375 ˆ¼Å¢«¸ ‚¢ŠÏŸ¸¸Ê Ÿ¸Ê ¨¸¼¦š™ 15.63 13.766 ¬¸ú”ú ‚›¸ºœ¸¸÷¸ 71.21 66.33

7‡¬¸‡\¸]¸ú Ç½Å¢”’ ¢¥¸¿ˆÅ Ÿ¸Ê ¨¸¼¦š™ ˆÅú ¬¸¿‰¡¸¸ - 4530

8 ˆ½Å¬¸ú¬¸ú ˆÅ¸”Ä Ÿ¸Ê ¨¸¼¦š™ ˆÅú ¬¸¿‰¡¸¸ - 2337269 ¢›¸¨¸¥¸ ¥¸¸ž¸, ˆÅ£ ˆ½Å ¤¸¸™ 42.25 42.19

10 œÏ¢÷¸ ©¸¸‰¸¸ ¥¸¸ž¸ (¥¸¸‰¸ Ÿ¸½¿) 15.97 10.3411 œÏ¢÷¸ ˆÅŸ¸Ä\¸¸£ú ¥¸¸ž¸ (¥¸¸‰¸ Ÿ¸½¿) 4.19 2.91

8.2 ¢™ Ÿ¸í¸£¸«’ï ‡¦Æ{¸Æ¡¸»’£ ‡µ” ’ï¬’ú ˆ¿Åœ¸›¸ú œÏ¸.¢¥¸. ¨¸«¸Ä 1946 Ÿ¸Ê ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ˆÅú 100% ‚›¸º«¸¿Š¸ú ˆ¿Åœ¸›¸ú ¢™

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¡¸í ˆ¿Åœ¸›¸ú œ¸ºµ¸½ Ÿ¸Ê ¦¬˜¸÷¸ í¾ ‚¸¾£ œ¸ºµ¸½, ¨¸¸©¸ú-Ÿ¸º¿¤¸ƒÄ, “¸µ¸½ ‚¸¾£ ›¸¸Š¸œ¸º£ Ÿ¸Ê ƒ¬¸ˆÅú ©¸¸‰¸¸ ƒˆÅ¸ƒÄ¡¸¸¿ íÿ. ˆ¿Åœ¸›¸ú ¥¸Š¸ž¸Š¸ 1094 ¢›¸]¸ú ‚¸¾£ ¬¸¸¨¸Ä]¸¢›¸ˆÅ ›¡¸¸¬¸¸Ê ˆÅ¸ œÏ¤¸¿š¸›¸ ˆÅ£÷¸ú í¾. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ]¸º”õú ›¸ƒÄ ¨¸¬¸ú¡¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ 27 £íú, ƒ¬¸ œÏˆÅ¸£ ˆ¿Åœ¸›¸ú ˆÅú ‚¢ž¸£®¸¸ ‚¸¾£ ¢›¸«œ¸¸™›¸ Ÿ¸Ê ¨¸¬¸ú¡¸÷¸¸Ê ˆÅú ˆºÅ¥¸ ¬¸¿‰¡¸¸ 1125 í¸½ Š¸ƒÄ í¾.


26

At present, the Company manages properties both movable and immovable of 69 clients under the Power of Attorney. The Company also acts as the Trustees in respect of 160 policies under Married Women’s Property Act and as Court appointed Guardian of minor’s property in 6 cases.

The net profit of METCO for F.Y. 2016-17 is Rs.46.92 lakh.

9. IMPLEMENTION OF OFFICIAL LANGUAGE POLICY During the year 2016-17, the Bank has achieved various

remarkable achievements in the field of Official Language implementation:

The Town Official Language Implementation Committee, Mumbai has secured Second Prize from the Rajbhasha Vibhag, Ministry of Home Affairs, Government of India for better implementation of Hindi at the hands of Hon. Governor, Rajasthan State in a grand function held at Udaipur. Our Bank is the convenor Bank for the committee.

Our Bank was awarded Third Prize by the Mumbai based prestigious Institution ‘Aashirvad’ for better use of Hindi during the year.

31st meeting of the Maharashtra State Level Bankers' Committee (Rajbhasha) was held under the chairmanship of Shri R. P. Marathe, Managing Director and CEO of the Bank. Bank of Maharashtra is the convenor for this top-level committee. Mr. Nagendra Singh, Director, Ministry of Home Affairs, Government of India, New Delhi was present in the meeting as the Chief Guest. Shri R. K. Gupta, Executive Director of Bank of Maharashtra and Dr. Suneeta Yadav, Deputy Director, Ministry of Home Affairs, Govt. of India were present as special guest on the occasion. Shri Manoj Biswal, General Manager (HRM & Rajbhasha) and Dr. Rajendra Shrivastava, AGM (Rajbhasha) & Member Secretary of the Committee were also present. Top level executives and Hindi officers of all the public sector banks attended the meeting in large numbers. On this occasion Online Rajbhasha Glossary “Rajbhasha Kosh” of Bank of Maharashtra was inaugurated at the hands of Shri Nagendra Singh, Chief Guest and Online Hindi Roster of Bank of Maharashtra was inaugurated at the hands of Shri R. P. Marathe, MD & CEO. Rajbhasha Shield and momento were presented to the members for better implementation of Hindi in their offices.

Hindi day function was arranged at Head Office, Pune on 15th September 2016. Shri R. K. Gupta, Executive Director of the Bank presided over the function. Dr. Mohan Agashe, renowned Marathi and Hindi actor and social worker was the Chief Guest. Shri Narender Kabra, General Manager was also present in the function. Winners of the All India Internal Rajbhasha Trophy Scheme of the Bank were awarded during the function.

An All India Rajbhasha Seminar was organized in Kolkata for all the Hindi Officers of the Bank. Shri R. P. Marathe, Managing Director & CEO of the Bank inaugurated the seminar. Shri Manoj Biswal, General Manager, HRM & Rajbhasha reviewed the performance and guided all the participants. An All India Inter-Bank Essay Competition was organized by our Bank and the winners of the competition were awarded at the hands of Shri R. P. Marathe, Managing Director & CEO of the Bank during the seminar.

Monthly Rajbhasha E-Magazine ‘Rajbhasha E-Pragati’ is being regularly published every month. As a new initiative Rajbhasha E-Pragati in Brail script is also published for the benefit of differently able employees of the Bank.

Bank of Maharashtra is the convenor Bank for Town Official Language Implementation Committee (TOLIC) in Mumbai, Pune, Solapur, Latur & Jalgaon. Meetings of these committees were held regularly during the year and various activities of the committees were organized throughout the year as per the schedule.

ˆ¿Åœ¸›¸ú ×¸£¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Ê 69 ŠÏ¸íˆÅ¸Ê ˆÅú \¸¥¸ ‡¨¸¿ ‚\¸¥¸ ™¸½›¸¸Ê ¬¸¿œ¸¢î¸¡¸¸Ê ˆÅ¸ œÏ¤¸¿š¸›¸ Ÿ¸º‰÷¸¸£›¸¸Ÿ¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾. ¢¨¸¨¸¸¢í÷¸ Ÿ¸¢í¥¸¸ ¬¸¿œ¸¢î¸ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆ¿Åœ¸›¸ú 160 œ¸¸¢¥¸¢¬¸¡¸¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ›¡¸¸¬¸ú ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£÷¸ú í¾ ‚¸¾£ 6 Ÿ¸¸Ÿ¸¥¸¸Ê Ÿ¸Ê ›¡¸¸¡¸¸¥¸¡¸ ›¸½ ‚¨¸¡¸¬ˆÅ ˆÅú ¬¸¿œ¸¢î¸ ˆÅ¸ ¬¸¿£®¸ˆÅ ˆ¿Åœ¸›¸ú ˆÅ¸½ ¤¸›¸¸¡¸¸ í¾.

¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17 ˆ½Å ¢¥¸‡ Ÿ¸½’ˆÅ¸½ ˆÅ¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ ²Å.46.92 ¥¸¸‰¸ í¾.

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œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, œ¸ºµ¸½ Ÿ¸Ê 15 ¢¬¸÷¸¿¤¸£, 2016 ˆÅ¸½ ¢í›™ú ¢™¨¸¬¸ ¬¸Ÿ¸¸£¸½í ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ªú ‚¸£. ˆ½Å. Š¸ºœ÷¸¸ ›¸½ ¬¸Ÿ¸¸£¸½í ˆÅú ‚š¡¸®¸÷¸¸ ˆÅú— ”¸Á. Ÿ¸¸½í›¸ ‚¸Š¸¸©¸½, œÏ‰¡¸¸÷¸ Ÿ¸£¸“ú ¨¸ ¢í›™ú ‚¢ž¸›¸½÷¸¸ ‚¸¾£ ¬¸Ÿ¸¸]¸ ¬¸½¨¸ˆÅ Ÿ¸º‰¡¸ ‚¢÷¸¢˜¸ ˆ½Å ³Åœ¸ Ÿ¸Ê „œ¸¦¬˜¸÷¸ ˜¸½— ªú ›¸£½›Í ˆÅ¸¤¸£¸, Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ž¸ú ¬¸Ÿ¸¸£¸½í Ÿ¸Ê „œ¸¦¬˜¸÷¸ ˜¸½— ¤¸ÿˆÅ ˆÅú ‚¢‰¸¥¸ ž¸¸£÷¸ú¡¸ ‚¸¿÷¸¢£ˆÅ £¸]¸ž¸¸«¸¸ ’ï¸ÁûÅú ¡¸¸½]¸›¸¸ ˆ½Å ¢¨¸]¸½÷¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸¸£¸½í ˆ½Å ™¸¾£¸›¸ œ¸º£¬ˆÅ¸£ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡—

¤¸ÿˆÅ ˆ½Å ¬¸ž¸ú £¸]¸ž¸¸«¸¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ˆÅ¸½¥¸ˆÅ¸÷¸¸ Ÿ¸Ê ‚¢‰¸¥¸ ž¸¸£÷¸ú¡¸ £¸]¸ž¸¸«¸¸ ¬¸ŸŸ¸½¥¸›¸ ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú ‚¸£. œ¸ú. Ÿ¸£¸“½ ›¸½ ¬¸ŸŸ¸½¥¸›¸ ˆÅ¸ „™Ã‹¸¸’›¸ ¢ˆÅ¡¸¸— ªú Ÿ¸›¸¸½]¸ ¢¤¸¬¨¸¸§, Ÿ¸í¸œÏ¤¸¿š¸ˆÅ, Ÿ¸¸¬¸¿œÏ ¨¸ £¸]¸ž¸¸«¸¸ ›¸½ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú œ¸º›¸£ú®¸¸ ˆÅú ‚¸¾£ ¬¸ž¸ú œÏ¢÷¸ž¸¸¢Š¸¡¸¸Ê ˆÅ¸ Ÿ¸¸Š¸Ä™©¸Ä›¸ ¢ˆÅ¡¸¸— íŸ¸¸£½ ¤¸ÿˆÅ ×¸£¸ ‡ˆÅ ‚¢‰¸¥¸ ž¸¸£÷¸ú¡¸ ‚¿÷¸£ ¤¸ÿˆÅ ¢›¸¤¸¿š¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸ ‚¸¾£ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ˆ½Å ¢¨¸]¸½÷¸¸‚¸Ê ˆÅ¸½ ¬¸ŸŸ¸½¥¸›¸ ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú ‚¸£. œ¸ú. Ÿ¸£¸“½ ˆ½Å ˆÅ£-ˆÅŸ¸¥¸¸Ê ¬¸½ œ¸º£¬ˆÅ¸£ œÏ™¸›¸ ¢ˆÅ‡ Š¸‡—

œÏ÷¡¸½ˆÅ Ÿ¸¸í ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ Ÿ¸¸¢¬¸ˆÅ £¸]¸ž¸¸«¸¸ ƒÄ-œ¸¢°¸ˆÅ¸ `£¸]¸ž¸¸«¸¸ ƒÄ-œÏŠ¸¢÷¸'' ˆÅ¸ œÏˆÅ¸©¸›¸ ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾— ›¸¨¸¸½›Ÿ¸½«¸ú œÏ¡¸¸¬¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ½Å ¢™¨¡¸¸¿Š¸ ÅŸ¸Ä\¸¸¢£¡¸¸Ê ½Å ¥¸¸ž¸¸˜¸Ä Ÿ¸¸¢¬¸ˆÅ £¸]¸ž¸¸«¸¸ ƒÄ-œÏŠ¸¢÷¸ Å¸ ¤Ï½¥¸ ¢¥¸œ¡¸¸¿÷¸£µ¸ ž¸ú œÏˆÅ¸¢©¸÷¸ ¢ˆÅ¡¸¸ ]¸¸ £í¸ í¾—

¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï Ÿ¸º¿¤¸ƒÄ, œ¸ºµ¸½, ¬¸¸½¥¸¸œ¸º£, ¥¸¸÷¸»£ ¨¸ ]¸§Š¸¸¿¨¸ Ÿ¸Ê ›¸Š¸£ £¸]¸ž¸¸«¸¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê (’¸Á¢¥¸ˆÅ) ˆÅ¸ ¬¸¿¡¸¸½]¸ˆÅ ¤¸ÿˆÅ í¾— ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ƒ›¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê ›¸½ ¢›¸¡¸¢Ÿ¸÷¸ ³Åœ¸ ¬¸½ ¤¸¾“ˆÅ¸Ê ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ ‚¸¾£ ‚›¸º¬¸»\¸ú ˆ½Å ‚›¸º¬¸¸£ ¬¸¿œ¸»µ¸Ä ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢¨¸¢ž¸››¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ ‚¸¡¸¸½¢]¸÷¸ ˆÅú¿—


27

Committee of Parliament on Official Language visited our Aurangabad Zonal Office, Jamnagar branch, Ahmedabad Zone and Chennai Zonal Office during the year and reviewed Official Language Implementation work of the Bank. The honorable members of the Committee expressed their satisfaction regarding progressive use of Hindi and the implementation of new initiatives by the Bank.

An All India Rajbhasha Seminar was organized by Syndicate Bank in Manipal in the Month of January, 2017. Shri Manoj Biswal, General Manager, HRM and Rajbhasha represented our Bank in the seminar and addressed the executives of all the banks.

Our bank was awarded First Prize by Town official Language Implementation Committee, Patna for better use of Hindi during the year. Reserve Bank of India is the convenor for this committee.

10. SECURITY Proactive steps were taken in view of the security requirements

at the branches and for Bank’s staff and also for provisioning of physical security infrastructure at all branches. This was done after analysis of the threat perception, current crime scenario, crime pattern, modus operandi of bank robberies, the breaches of security and fire incidents besides equipping and training the security personnel and other bank staff to counter any such eventuality.

11. DIRECTORS’ RESPONSIBILITY STATEMENT The Directors confirm that in the preparation of the annual

accounts for the year ended 31.03.2017: The applicable accounting standards of the Institute of

Chartered Accountants of India, have been followed along with proper explanation relating to material departures, if any;

The accounting policies framed in accordance with the guidelines of the Reserve Bank of India, are consistently applied and proper disclosures are made for changes, if any;

Reasonable and prudent judgment and estimates were made so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year and the profit of the Bank for the year.

Proper and sufficient care was taken for maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks, in India; and

The accounts have been prepared on a going concern basis.

12. CHANGES IN THE BOARD OF DIRECTORS During the year 2016-17, the following changes took

place in the Board of Directors: Shri Ramdev L. Saydiwal, ceased to be the Director of

the Bank w.e.f. 20.07.2016. Shri Deendayal Agrawal was appointed as Director by

the Central Government w.e.f. 26.07.2016. Shri Sanjeev Jain, ceased to be the Director of the

Bank w.e.f. 18.08.2016. Shri Ravindra Prabhakar Marathe, was appointed as

MD & CEO of Bank of Maharashtra by the Central Government w.e.f. 26.09.2016.

Shri Sushil Muhnot, ceased to be the CMD of the Bank w.e.f. 26.09.2016.

Shri R. Athmaram ceased to be the Executive Director of the Bank by the Central Government w.e.f. 31.10.2016.

Shri Alekh C. Rout was appointed as Executive Director of the Bank by the Central Government w.e.f. 31.03.2017.

¬¸¿¬¸™ú¡¸ £¸]¸ž¸¸«¸¸ ¬¸¢Ÿ¸¢÷¸ ›¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ íŸ¸¸£½ ‚¸¾£¿Š¸¸¤¸¸™ ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸, ]¸¸Ÿ¸›¸Š¸£ ©¸¸‰¸¸ (‚íŸ¸™¸¤¸¸™ ‚¿\¸¥¸) ‚¸¾£ \¸½››¸ƒÄ ‚¿\¸¥¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆÅ¸½ ž¸Ê’ ™ú ÷¸˜¸¸ ¤¸ÿˆÅ ˆ½Å £¸]¸ž¸¸«¸¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¬¸Ÿ¸ú®¸¸ Åú— ¬¸¢Ÿ¸¢÷¸ ½Å Ÿ¸¸›¸›¸ú¡¸ ¬¸™¬¡¸¸Ê ›¸½ ¤¸ÿˆÅ ×¸£¸ ¢í¿™ú ½Å œÏŠ¸¸Ÿ¸ú œÏ¡¸¸½Š¸ ‚¸¾£ ›¸ƒÄ œ¸í¥¸¸Ê ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ œ¸£ ¬¸¿÷¸¸½«¸ ¨¡¸Æ÷¸ ¢ˆÅ¡¸¸—

¢¬¸¿”úˆ½Å’ ¤¸ÿˆÅ ×¸£¸ Ÿ¸¸í ]¸›¸¨¸£ú, 2017 Ÿ¸Ê Ÿ¸¢µ¸œ¸¸¥¸ Ÿ¸Ê ‚¢‰¸¥¸ ž¸¸£÷¸ú¡¸ £¸]¸ž¸¸«¸¸ ¬¸½¢Ÿ¸›¸¸£ ˆÅ¸ ‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ¤¸ÿˆÅ ˆ½Å Ÿ¸í¸œÏ¤¸¿š¸ˆÅ, Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ œÏ¤¸¿š¸›¸ ¸ £¸]¸ž¸¸«¸¸ ªú Ÿ¸›¸¸½]¸ ¢¤¸¬¨¸¸§ ›¸½ ƒ¬¸ ¬¸½¢Ÿ¸›¸¸£ Ÿ¸Ê íŸ¸¸£½ ¤¸ÿˆÅ ˆÅ¸ œÏ¢÷¸¢›¸¢š¸÷¨¸ ¢ˆÅ¡¸¸ ‚¸¾£ ¬¸ž¸ú ¤¸ÿˆÅ¸Ê ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ¢ˆÅ¡¸¸—

›¸Š¸£ £¸]¸ž¸¸«¸¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¬¸¢Ÿ¸¢÷¸ œ¸’›¸¸ ×¸£¸ íŸ¸¸£½ ¤¸ÿˆÅ ˆÅ¸½ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢í›™ú ˆ½Å ¤¸½í÷¸£ „œ¸¡¸¸½Š¸ í½÷¸º `œÏ˜¸Ÿ¸ œ¸º£¬ˆÅ¸£' œÏ™¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ƒ¬¸ ¬¸¢Ÿ¸¢÷¸ ˆÅ¸ ¬¸¿¡¸¸½]¸ˆÅ ¤¸ÿˆÅ í¾—

10. ¬¸º£®¸¸ ©¸¸‰¸¸‚¸Ê Ÿ¸Ê ¬¸º£®¸¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ‡¨¸¿ ¤¸ÿˆÅ ˆ½Å ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ¬¸º£®¸¸

ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ ¬¸ž¸ú ©¸¸‰¸¸‚¸Ê Ÿ¸Ê ž¸¸¾¢÷¸ˆÅ ¬¸º£®¸¸ ¬¸¿£\¸›¸¸ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å „Ó½©¡¸ ¬¸½ ¬¸¢ÇÅ¡¸ ˆÅ™Ÿ¸ „“¸‡ Š¸‡— ¡¸í ˆÅ¸¡¸Ä ‰¸÷¸£½ ˆÅú ¬¸¿ˆÅ¥œ¸›¸¸, ¨¸÷¸ÄŸ¸¸›¸ ‚œ¸£¸š¸ œ¸¢£´©¡¸, ‚œ¸£¸š¸ ˆ½Å ÷¸£úˆÅ¸Ê, ¤¸ÿˆÅ ”ˆ¾Å÷¸ú ˆÅú ˆÅ¸¡¸Ä œÏµ¸¸¥¸ú, ¬¸º£®¸¸ ž¸¿Š¸, ‚¸Š¸ ˆÅú ‹¸’›¸¸‚¸Ê ˆÅ¸ ¢¨¸©¥¸½«¸µ¸ ˆÅ£›¸½ ÷¸˜¸¸ ‡½¬¸ú œ¸¢£¦¬˜¸¢÷¸¡¸¸Ê ½Å ¢¥¸‡ ¬¸º£®¸¸ Å¸¢Ÿ¸ÄˆÅ¸Ê ‡¨¸¿ ‚›¡¸ ¤¸ÿˆÅ ÅŸ¸Ä\¸¸¢£¡¸¸Ê Å¸½ ÷¸¾¡¸¸£ ‡¨¸¿ œÏ¢©¸¢®¸÷¸ ˆÅ£›¸½ ˆ½Å ×¸£¸ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾—

11. ¢›¸™½©¸ˆÅ¸Ê ˆÅú ¢]¸ŸŸ¸½™¸£ú ˆÅ¸ ˆÅ˜¸›¸ ¢›¸™½©¸ˆÅ œ¸º¦«’ ˆÅ£÷¸½ íÿ ¢ˆÅ ¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡

¨¸¸¢«¸ÄˆÅ ‰¸¸÷¸½ ÷¸¾¡¸¸£ ˆÅ£÷¸½ ¬¸Ÿ¸¡¸ À ¡¸¢™ ˆÅ¸½ƒÄ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸\¸¥¸›¸ íº‚¸ í¾ ÷¸¸½ „¬¸ˆÅ¸ „¢\¸÷¸ ¬œ¸«’úˆÅ£µ¸

™½›¸½ ˆ½Å ¬¸¸˜¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ˆ½Å ¥¸¸Š¸» ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸ œ¸¸¥¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸.

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ½Å ‚›¸º¬¸¸£ ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ ÷¸¾¡¸¸£ ˆÅú Š¸ƒÄ ‚¸¾£ „›¸ˆÅ¸½ ¬¸÷¸÷¸ ‚¸š¸¸£ œ¸£ ¥¸¸Š¸» ¢ˆÅ¡¸¸ Š¸¡¸¸. ¡¸¢™ ˆÅ¸½ƒÄ œ¸¢£¨¸÷¸Ä›¸ ¢ˆÅ‡ Š¸‡ ÷¸¸½ „›¸ˆÅ¸ „¢\¸÷¸ œÏˆÅ’›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ‚¸¾£ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¥¸¸ž¸ ˆÅú ¬¸íú ‚¸¾£ ¬¸÷¡¸ ¦¬˜¸¢÷¸ ™©¸¸Ä›¸½ ˆ½Å ¢¥¸‡ „¢\¸÷¸ ‚¸¾£ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¢›¸µ¸Ä¡¸ ¢¥¸‡ Š¸‡ ‚¸¾£ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸‡ Š¸‡.

ž¸¸£÷¸ Ÿ¸Ê ¤¸ÿˆÅ¸Ê ˆÅ¸½ ©¸¸¢¬¸÷¸ ˆÅ£›¸½ ¨¸¸¥¸½ ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ˆ½Å œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ œ¸¡¸¸Äœ÷¸ ¥¸½‰¸¸ ‚¢ž¸¥¸½‰¸ £‰¸›¸½ ˆ½Å ¢¥¸‡ „¢\¸÷¸ ‚¸¾£ œ¸¡¸¸Äœ÷¸ ¬¸¸¨¸š¸¸›¸ú ¤¸£÷¸ú Š¸ƒÄ ‚¸¾£

¬¸÷¸÷¸ ‚¸š¸¸£ œ¸£ ‰¸¸÷¸½ ÷¸¾¡¸¸£ ¢ˆÅ‡ Š¸‡.12. ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸

¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ Ÿ¸Ê ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œ¸¢£¨¸÷¸Ä›¸ íº‡À

ªú £¸Ÿ¸™½¨¸ ‡¥¸. ¬¸¸¡¸™ú¨¸¸¥¸ ¢™›¸¸¿ˆÅ 20.07.2016 ¬¸½ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ œ¸™ œ¸£ ›¸íú¿ £í½—

ªú ™ú›¸™¡¸¸¥¸ ‚ŠÏ¨¸¸¥¸ ˆÅ¸½ ˆÊÅÍ ¬¸£ˆÅ¸£ ×¸£¸ 26.07.2016 ¬¸½ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—

ªú ¬¸¿]¸ú¨¸ ]¸¾›¸, ¢™›¸¸¿ˆÅ 18.08.2016 ¬¸½ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ œ¸™ œ¸£ ›¸íú¿ £í½—

ªú £¢¨¸¿Í œÏž¸¸ˆÅ£ Ÿ¸£¸“½ Å¸½ 26.09.2016 ¬¸½ ÊÅÍ ¬¸£ˆÅ¸£ ×¸£¸ ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½ ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—

ªú ¬¸º©¸ú¥¸ Ÿ¸ºí›¸¸½÷¸ ¢™›¸¸¿ˆÅ 26.09.2016 ¬¸½ ¤¸ÿˆÅ ˆ½Å ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ˆ½Å œ¸™ œ¸£ ›¸íú¿ £í½—

ªú ‚¸£. ‚¸÷Ÿ¸¸£¸Ÿ¸ ¢™›¸¸¿ˆÅ 31.10.2016 ¬¸½ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å œ¸™ œ¸£ ›¸íú¿ £í½—

ªú ‚¸¥¸½‰¸ ¬¸ú. £¸„÷¸ ˆÅ¸½ 31.03.2017 ¬¸½ ˆÊÅÍ ¬¸£ˆÅ¸£ ×¸£¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—


28

13. BUSINESS RESPONSIBILITY REPORT As per the SEBI (Listing Obligations and Disclosure Requirements)

Regulations, 2015, Business Responsibility Report (BRR) 2016-17 of the Bank has been hosted on the Bank's website i.e www.bankofmaharashtra.in. Any member interested in obtaining a physical copy of same may write to the Company Secretary of the Bank.

14. ACKNOWLEDGEMENTS

The Board of Directors wishes to express sincere gratitude to the Government of India, the Reserve Bank of India, the Securities and Exchange Board of India, Insurance Regulatory and Development Authority, Indian Banks’ Association and Stock Exchanges and CDSL for their valuable advice and support; to the customers and shareholders for their patronage; to the correspondents and associates for their co-operation and to all the members of staff of “Mahabank Family” for their unstinted commitment and contribution to the overall development of the Bank.

For and on behalf of the Board of Directors

Place : Pune (R.P. Marathe)Date : 4 May, 2017 Managing Director and CEO

13. ¨¡¸¨¸¬¸¸¡¸ „î¸£™¸¢¡¸÷¨¸ ¦£œ¸¸½’Ä ¬¸½¤¸ú (¢¥¸¢¬’¿Š¸ ‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿ ‚¸¾£ ¢¨¸Š¸¸½œ¸›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸Ÿ¸¡¸

2015 ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆÅú ¨¡¸¨¸¬¸¸¡¸ „î¸£™¸¢¡¸÷¨¸ ¦£œ¸¸½’Ä (¤¸ú‚¸£‚¸£) 2016-17 ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ www.bankofmaharashtra.in œ¸£ œÏ™¢©¸Ä÷¸ ˆÅú Š¸ƒÄ í¾. ƒ¬¸ˆÅú ž¸¸¾¢÷¸ˆÅ œÏ¢÷¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆ½Å ƒ\ŽºˆÅ ¬¸™¬¡¸ ¤¸ÿˆÅ ˆ½Å ˆ¿Åœ¸›¸ú ¬¸¢\¸¨¸ ˆÅ¸½ ¢¥¸‰¸ ¬¸ˆÅ÷¸½ íÿ—

14. ‚¸ž¸¸£ ¤¸ÿˆÅ ˆ½Å ¬¸¨¸¸ôŠ¸úµ¸ ¢¨¸ˆÅ¸¬¸ í½÷¸º ž¸¸£÷¸ ¬¸£ˆÅ¸£, ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ,

ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸ ‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä, ¤¸úŸ¸¸ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ‚¸¾£ ¢¨¸ˆÅ¸¬¸ œÏ¸¢š¸ˆÅ£µ¸, ž¸¸£÷¸ú¡¸ ¤¸ÿˆÅ ¬¸¿‹¸ ÷¸˜¸¸ ¬’¸ÁˆÅ ‡Æ¬¸\¸Ê]¸¸Ê ‚¸¾£ ¬¸ú”ú‡¬¸‡¥¸ ¬¸½ œÏ¸œ÷¸ Ÿ¸»¥¡¸¨¸¸›¸ Ÿ¸¸Š¸Ä™©¸Ä›¸ ‡¨¸¿ ¬¸Ÿ¸˜¸Ä›¸ ˆ½Å ¢¥¸‡ ÷¸˜¸¸ ŠÏ¸íˆÅ¸Ê ¨¸ ©¸½¡¸£ š¸¸£ˆÅ¸Ê ×¸£¸ ¢™‡ Š¸‡ œÏª¡¸, œÏ¢÷¸¢›¸¢š¸¡¸¸Ê ‚¸¾£ ¬¸í¡¸¸½¢Š¸¡¸¸Ê ×¸£¸ ¢™‡ Š¸‡ ¬¸í¡¸¸½Š¸ ‚¸¾£ "Ÿ¸í¸¤¸ÿˆÅ œ¸¢£¨¸¸£" ˆ½Å ¬¸ž¸ú ˆÅŸ¸Ä\¸¸¢£¡¸¸Ê ˆÅú ¬¸Ÿ¸¢œ¸Ä÷¸ œÏ¢÷¸¤¸š™÷¸¸ ‚¸¾£ ¡¸¸½Š¸™¸›¸ ˆ½Å œÏ¢÷¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ¼Å÷¸±¸÷¸¸œ¸»¨¸ÄˆÅ ‚¸ž¸¸£ ¨¡¸Æ÷¸ ˆÅ£÷¸¸ í¾.

¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¢¥¸‡ ‚¸¾£ „›¸ˆÅú ‚¸½£ ¬¸½

¬˜¸¸›¸ : œ¸ºµ¸½ (‚¸£. œ¸ú. Ÿ¸£¸“½ )¢™›¸¸¿ˆÅ À 4 Ÿ¸ƒÄ, 2017 œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½

29


1. ˆ¿Åœ¸›¸ú‚¢ž¸©¸¸¬¸›¸(ˆÅ¸œ¸¸½Ä£½’Š¸¨¸›¸½Ä›¬¸)œ¸£¤¸ÿˆÅˆÅ¸™©¸Ä›¸: ¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ïˆ¿Åœ¸›¸ú‚¢ž¸©¸¸¬¸›¸(ˆÅ¸œ¸¸½Ä£½’Š¸¨¸›¸½Ä›¬¸)ˆÅú¬¸¿ˆÅ¥œ¸›¸¸¨¸Ÿ¸í÷¨¸

ˆÅ¸½Ÿ¸¸›¡¸÷¸¸™½÷¸¸í¾—¤¸ÿˆÅ›¸ˆ½Å¨¸¥¸¬¸¿¨¸¾š¸¸¢›¸ˆÅ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸½¿ˆÅ¸œ¸¸¥¸›¸ˆÅ£÷¸¸í¾,‚¢œ¸÷¸º¬¨¸¾¢\ŽˆÅ³Åœ¸¬¸½¬¸º´[ˆ¿Åœ¸›¸ú‚¢ž¸©¸¸¬¸›¸ˆÅ¸œ¸¸½Ä£½’Š¸¨¸›¸½Ä›¬¸)œÏ˜¸¸‚¸½¿ˆÅ¸½÷¸¾¡¸¸£ˆÅ£„›¸ˆÅ¸œ¸¸¥¸›¸ˆÅ£÷¸¸í¾—©¸½¡¸£š¸¸£ˆÅ¸Ê,ŠÏ¸íˆÅ¸Ê,¬¸£ˆÅ¸£‚¸¾£¬¸Ÿ¸ŠÏ³Åœ¸¬¸½¬¸Ÿ¸¸]¸¬¸¢í÷¸¬¸ž¸ú¢í÷¸š¸¸£ˆÅ¸Êˆ½Å¢í÷¸¸ÊˆÅú£®¸¸ˆ½Å¢¥¸‡¤¸ÿˆÅíŸ¸½©¸¸í£¬¸¿ž¸¨¸œÏ¡¸¸¬¸ˆÅ£÷¸¸í¾—ˆ¿Åœ¸›¸ú ‚¢ž¸©¸¸¬¸›¸ (ˆÅ¸œ¸¸½Ä£½’Š¸¨¸›¸½Ä›¬¸)œ¸£¤¸ÿˆÅˆÅ¸™©¸Ä›¸í¾¢ˆÅ¬¸ž¸ú¬÷¸£¸Êœ¸£œ¸¸£™¢©¸Ä÷¸¸, ¢]¸ŸŸ¸½™¸£ú‚¸¾£›¡¸¸¡¸¬¸¿Š¸÷¸÷¸¸ˆ½Å„÷ˆ¼Å«’Ÿ¸¸›¸ˆÅ¬˜¸¸¢œ¸÷¸ ˆÅ£›¸¸ ‚¸¾£ ¨¡¸¨¸¬¸¸¢¡¸ˆÅ÷¸¸, ¬¸¸Ÿ¸¸¢]¸ˆÅ ˆÅ¸¡¸¸½ô ˆ½Å œÏ¢÷¸ œÏ¢÷¸¬¸¸™, “¸½¬¸¨¡¸¸œ¸¸¢£ˆÅœÏ˜¸¸‡¿‚¸¾£œ¸¢£\¸¸¥¸›¸Š¸÷¸ˆºÅ©¸¥¸÷¸¸ˆ½Å ×¸£¸‚¢š¸ˆÅ÷¸Ÿ¸ Š¸ºµ¸¨¸î¸¸ˆÅ¸½¬¸º¢›¸¢ä¸÷¸ˆÅ£›¸¸—íŸ¸¸£½ ¡¸½ ˆÅ¸¡¸Ä©¸½¡¸£š¸¸£ˆÅ¸Êˆ½ÅŸ¸»¥¡¸ˆÅ¸½‚¢š¸ˆÅ¸¢š¸ˆÅ ¬¸¿¨¸¢š¸Ä÷¸ˆÅ£›¸½‚¸¾£¢í÷¸š¸¸£ˆÅ¸Êˆ½Å¢í÷¸¸ÊˆÅú£®¸¸ˆÅ£›¸½í½÷¸º¤¸ÿˆÅˆÅ¸½ˆÅ¸£¸½¤¸¸£ˆ½Å„\\¸Ÿ¸¸›¸ˆÅ¤¸›¸¸‡£‰¸›¸½Ÿ¸Ê¬¸®¸Ÿ¸¤¸›¸¸÷¸½íÿ—

2. ¢›¸™½©¸ˆÅŸ¸¿”¥¸2.1 ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸ ¬¸¿¢Ÿ¸ª ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸›¸ú]¸ („œ¸ÇÅŸ¸¸Ê ˆÅ¸ ‚¢š¸ŠÏíµ¸ ‚¸¾£ ‚¿÷¸£µ¸)

‚¢š¸¢›¸¡¸Ÿ¸ 1970, ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸ ‚¢š¸¢›¸¡¸Ÿ¸ 1949 ‚¸¾£ £¸«’ïú¡¸ˆ¼Å÷¸ ¤¸ÿˆÅ (œÏ¤¸¿š¸›¸ ‚¸¾£ ¢¨¸¢¨¸š¸ œÏ¸¨¸š¸¸›¸) ¡¸¸½]¸›¸¸ 1970 ˆ½Å ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ¬¸¿©¸¸½¢š¸÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ‚›¸º¬¸¸£ ©¸¸¢¬¸÷¸ í¸½÷¸¸ í¾—

2.2 ¤¸ÿ¢ˆ¿ÅŠ¸ ˆ¿Åœ¸›¸ú]¸ („œ¸ÇÅŸ¸¸Ê ˆÅ¸ ‚¢š¸ŠÏíµ¸ ‚¸¾£ ‚¿÷¸£µ¸) ‚¢š¸¢›¸¡¸Ÿ¸ 1970 ˆÅú š¸¸£¸ 7(2) ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£ ¤¸ÿˆÅ ˆ½Å ˆÅ¸£¸½¤¸¸£ ˆ½Å ¬¸¸Ÿ¸¸›¡¸ œ¸¡¸Ä¨¸½®¸µ¸, ¢›¸™½©¸›¸ ‚¸¾£ œÏ¤¸¿š¸›¸ Å¸ ‚¢š¸ˆÅ¸£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ½Å œ¸¸¬¸ í¸½÷¸¸ í¾—¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ½Å „î¸£™¸¢¡¸÷¨¸¸ÊŸ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ - ›¸ú¢÷¸¡¸¸¿ ÷¸¾¡¸¸£ ˆÅ£›¸¸, ›¸ƒÄ œ¸í¥¸ ˆÅ£›¸¸, ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£›¸¸ ‚¸¾£ ¤¸ÿˆÅ ×¸£¸ ¢ˆÅ‡ Š¸‡ ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ ¨¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ‚›¸ºœ¸¸¥¸›¸ ˆÅ¸ œ¸¡¸Ä¨¸½®¸µ¸ ˆÅ£›¸¸, ¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ œÏ÷¡¸¸¡¸¸½¢]¸÷¸ ‚¢š¸ˆÅ¸£¸Ê ˆÅ¸ œÏ÷¡¸¸¡¸¸½]¸›¸ ˆÅ£›¸¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸ ˆÅ¸¡¸ÄŸ¸»¥¸ˆÅ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ œÏ÷¡¸¸¡¸¸½¢]¸÷¸ ‚¢š¸ˆÅ¸£¸Ê ˆ½Å ¤¸¸í£ ™ú Š¸ƒÄ ¢¨¸î¸ú¡¸ Ÿ¸¿]¸»¢£¡¸¸Ê ˆÅ¸ ‚›¸ºŸ¸¸½™›¸ ˆÅ£ ¬¸Ÿ¸ŠÏ œ¸¡¸Ä¨¸½®¸µ¸ ˆÅ£›¸¸—

31Ÿ¸¸\¸Ä2017ˆÅ¸½¤¸ÿˆÅˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸£˜¸úÀ

1. Bank’s philosophy on Corporate Governance: Bank of Maharashtra recognizes the principles and importance

of Corporate Governance and has been complying with not only the statutory requirements, but also has voluntarily formulated and adhered to a set of strong Corporate Governance practices. The Bank has always strived hard to best serve the interest of all its stakeholders including Shareholders, Customers, Government and Society at large. The Bank’s philosophy on Corporate Governance is to bestow high standard of transparency, fairness and accountability for performance at all levels and to ensure and achieve excellence through professionalism, social responsiveness, sound business practices and optimum efficiency. This in turn enables the Bank to maintain a high level of business ethics to maximize the shareholders’ value and to protect their interest.

2. Board of Directors:

2.1. The composition of the Board is governed by the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, Banking Regulation Act, 1949 and Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970, as amended from time to time.

2.2 In terms of Section 7(2) of the Banking Companies (Acquisition and Transfer of Undertakings) Act 1970, the general superintendence, direction and management of the business of the Bank vest with the Board of Directors. The responsibilities of the Board include formulation of policies, new initiatives, performance review, and supervision over Regulatory and Statutory compliances of the Bank, delegating financial powers to various functionaries and exercising overall supervision, according financial sanctions beyond the powers delegated to various functional authorities of the Bank.

The composition of Board of Directors of the Bank as on 31st March, 2017 is as under:

‚.ÇÅ.Sr. No.

›¸¸Ÿ¸Name

š¸¸¢£÷¸œ¸™Position held

31.03.2017ˆÅ¸½ š¸¸¢£÷¸ ¤¸ÿˆÅ©¸½¡¸£¸Ê/œ¸¢£¨¸÷¸Ä›¸ú¡¸¢¥¸¢‰¸÷¸¸ÊˆÅú ¬¸¿‰¡¸¸No. of

equity shares/ convertible instruments of the Bank held as on 31.03.2017

¤¸ÿˆÅˆÅú„œ¸-¬¸¢Ÿ¸¢÷¸¡¸¸ÊˆÅú¬¸™¬¡¸÷¸¸No. of

member ship in Sub

Commit-tees of the

Bank

‚›¡¸ˆ¿Åœ¸¢›¸¡¸¸Ê‚˜¸¸Ä÷¸¤¸ÿˆÅ¬¸½‚¢÷¸¢£Æ÷¸Ÿ¸Ê¢›¸™½©¸ˆÅœ¸™¸ÊˆÅú¬¸¿‰¡¸¸No. of

Director- ship held in other

Companies i.e. Other than the

Bank

‚›¡¸ˆ¿Åœ¸¢›¸¡¸¸Êˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸¸ÊˆÅú„œ¸-

¬¸¢Ÿ¸¢÷¸¡¸¸ÊˆÅú¬¸™¬¡¸÷¸¸/‚š¡¸®¸÷¸¸

No. of Member-

ship/ Chairman-ship held in Sub Com-mittees of the Board in Other

Companies

‚ž¡¸º¢Æ÷¸¡¸¸¿(¤¸ÿˆÅŸ¸Ê/‚›¡¸ˆ¿Åœ¸¢›¸¡¸¸ÊŸ¸Ê ¢›¸¡¸º¢Æ÷¸ˆÅ¸¬¨¸³Åœ¸)

Remarks (nature of appointment in the Bank / other Companies)

1 ªú‚¸£.œ¸ú.Ÿ¸£¸“½Shri R.P.Marathe

œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½Managing Director & CEO

©¸»›¡¸NIL

1111

©¸»›¡¸NIL

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸¢™›¸¸¿ˆÅ26.09.2016¬¸½¤¸ÿˆÅˆ½ÅœÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½ˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸¢ˆÅ‡Š¸‡Appointed as the Managing Director & CEO of the Bank w.e.f. 26.09.2016 by the Central Government.

¨¸«¸Ä2016-17ˆ½Å¢¥¸‡ˆÅ¸Áœ¸¸½Ä£½’Š¸¨¸›¸½Ä›¬¸ Corporate Governance for the year 2016-17


30

2 ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸Shri. R.K. Gupta

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅExecutive Director

©¸»›¡¸NIL

1313

0101

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸¢™›¸¸¿ˆÅ31.12.2013¬¸½¤¸ÿˆÅˆ½ÅˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê ¢›¸¡¸ºÆ÷¸¢ˆÅ‡Š¸‡.¨¸½Ÿ¸í¸£¸«’ï‡Æ]¸úÆ¡¸»’£‡µ”’ï¬’úˆ¿Åœ¸›¸úœÏ¸.¢¥¸.ˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆ½Å‚š¡¸®¸ž¸úí¾¿.Appointed as the Executive Director w.e.f. 31.12.2013 by the Central Government.He is also the Chairman of the Board of the Maharashtra Executor and Trustee Company Pvt. Ltd.

3. ªú‡.¬¸ú.£¸„÷¸Shri A.C.Rout

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅExecutive Director

©¸»›¡¸NIL

1212

©¸»›¡¸NIL

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸¢™›¸¸¿ˆÅ31.03.2017¬¸½¤¸ÿˆÅˆ½ÅˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê ¢›¸¡¸ºÆ÷¸¢ˆÅ‡Š¸‡.Appointed as the Executive Director w.e.f. 31.03.2017 by the Central Government.

4 ªú‚÷¸ú©¸¢¬¸¿íShri Ateesh Singh

¢›¸™½©¸ˆÅ (Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ) ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸›¸¸¢Ÿ¸÷¸Director(Non-Exec-utive) Government Nominee

©¸»›¡¸NIL

0707

0202

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸20.07.2012¬¸½½¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê›¸¸¢Ÿ¸÷¸¢ˆÅ‡Š¸‡.‚¸œ¸]¸ŸŸ¸»¨¸ˆÅ©Ÿ¸ú£¢¨¸ˆÅ¸¬¸¢¨¸î¸¢›¸Š¸Ÿ¸¢¥¸¢Ÿ¸’½”÷¸˜¸¸¢¬¸¿\¸¸ƒÄ¨¸]¸¥¸¬¸¿¬¸¸š¸›¸¢¨¸î¸¢›¸Š¸Ÿ¸¢¥¸¢Ÿ¸’½”ˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸Ÿ¸Ê¢›¸™½©¸ˆÅíÿ.Nominated as a Director w.e.f. 20.07.2012 by the Central Government. He is Director on the Board of Jammu & Kashmir De-velopment Finance Corporation Limited & Irrigation and Water Resources Finance Corporation Limited.

5 ªú]¸ú.ªúˆºÅŸ¸¸£Shri G. Sreekumar

¢›¸™½©¸ˆÅ(Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ)ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ×¸£¸›¸¸¢Ÿ¸÷¸Director (Non-Execu-tive) RBI Nominee

©¸»›¡¸NIL

0505

©¸»›¡¸NIL

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸10.06.2014¬¸½¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê›¸¸¢Ÿ¸÷¸¢ˆÅ‡Š¸‡.Nominated as a Director w.e.f. 10.06.2014 by the Central Government.

6 ªúœÏ½Ÿ¸\¸¿Í‚Ÿ¸¸½¥¸ˆÅ\¸¿™¬¸½“úShri Premchandra Amolak-chand Sethi

¢›¸™½©¸ˆÅ(Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ)©¸½¡¸£š¸¸£ˆÅœÏ¢÷¸¢›¸¢š¸Director (Non-Exec-utive ) Representing Shareholders

200200

0808

0202

©¸»›¡¸NIL

¢™›¸¸¿ˆÅ27.06.2014¬¸½©¸½¡¸£š¸¸£ˆÅ¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¨¸¸Ä¢\¸÷¸¢ˆÅ‡Š¸‡.¨¸½‚¸£÷¸úƒ¿”¬’ïú]¸¢¥¸¢Ÿ¸’½”‚¸¾£œÏ¸½-]¸ú‡ŠÏ¸½œÏ¸ƒ¨¸½’¢¥¸¢Ÿ¸’½”ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸Ÿ¸Êž¸ú¢›¸™½©¸ˆÅíÿ.Elected as Shareholder Director w.e.f. 27.06.2014. He is also Director on the Board of Aarti Industries Ltd. and Pro- G Agro Pvt. Ltd.

7 ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸Shri R.Thamodharan

¢›¸™½©¸ˆÅ(Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ)©¸½¡¸£š¸¸£ˆÅœÏ¢÷¸¢›¸¢š¸Director (Non-Exec-utive ) Representing Shareholders

100100

0505

0101

©¸»›¡¸NIL

¢™›¸¸¿ˆÅ 30.06.2015 ¬¸½ ©¸½¡¸£š¸¸£ˆÅ ¢›¸™½©¸ˆÅˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¨¸¸Ä¢\¸÷¸ ¢ˆÅ‡ Š¸‡. ¨¸½ ¢’”½¥¸ œ¸¸ˆÄÅ¢¥¸¢Ÿ¸’½”ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸Ÿ¸Ê›¸¸¢Ÿ¸÷¸¢›¸™½©¸ˆÅíÿ‚¸¾£ž¸¸£÷¸ú¡¸]¸ú¨¸›¸¤¸úŸ¸¸¢›¸Š¸Ÿ¸ Å¸œÏ¢÷¸¢›¸¢š¸÷¨¸ˆÅ£÷¸½í¾¿.Elected as Shareholder Director w.e.f. 30.06.2015.He is Nominee Director on the Board of Tidel Park Ltd., representing LIC of India

8 ”¸Á.‚\¸Ä›¸¸£¢¨¸›Í£¸¡¸š¸¸½¥¸¢ˆÅ¡¸¸Dr. Archana Ravindrarai Dholakia

¢›¸™½©¸ˆÅ(Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ)Director (Non-Exec-utive)

©¸»›¡¸NIL

0505

©¸»›¡¸NIL

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸28.01.2016¬¸½¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê›¸¸¢Ÿ¸÷¸ˆÅúŠ¸ƒô.Nominated as a Director w.e.f. 28.01.2016 by the Central Government.

9 ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸Shri Deendayal Agrawal

¢›¸™½©¸ˆÅ(Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ)Director (Non-Exec-utive)

©¸»›¡¸NIL

0606

0404

©¸»›¡¸NIL

ˆ½Å›Í¬¸£ˆÅ¸£×¸£¸26.07.2016¬¸½¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê›¸¸¢Ÿ¸÷¸¢ˆÅ‡Š¸‡.¨¸½ûÅ¸½£ûÅ¸„¿”½©¸›¸ˆ½Å¢›¸™½©¸ˆÅŸ¸¿”¥¸Ÿ¸Ê¢›¸™½©¸ˆÅíÿ.Nominated as a Director w.e.f. 26.07.2016 by the Central Government. He is Director on the Board of Four Foundations.

31


2.3 Appointment / Cessation of Directors during the year 2016-17:

Shri. Ramadev L. Saydiwal, ceased to be the Director of the Bank w.e.f 20.07.2016.

Shri Deendayal Agrawal was appointed as Director by the Central Government w.e.f 26.07.2016.

Shri. Sanjeev Jain, ceased to be the Director of the Bank w.e.f 18.08.2016.

Shri Ravindra Prabhakar Marathe, was appointed as MD & CEO of Bank of Maharashtra by the Central Government w.e.f 26.09.2016.

Shri Sushil Muhnot, ceased to be the CMD of the Bank w.e.f 26.09.2016.

Shri. R. Athmaram, ceased to be the Executive Director of the Bank w.e.f 31.10.2016.

Shri Alekh C. Rout was appointed as Executive Director of the Bank by the Central Government w.e.f 31.03.2017.

2.4 Profile of Directors appointed during the financial year2016-17:

2.4.1 Shri Deendayal AgrawalName Shri Deendayal Agrawal

Address B-1202, Ground Floor, Near Classic Restaurant, Shastri Nagar, Delhi – 110 052

Date of Birth 08.06.1968

Age 49 years

Qualification B.Com, CA

Nature of appointment as Director

Part time non-official Director

Experience He is having more than 21 years of experience as Chartered Accountant. He is the Senior Partner of the Practicing Chartered Accountants Firm i.e. M/s. Samsand & Associates, Delhi. Possess a rich experience in Statutory Audit, Taxation, Internal Audit, Management Audit, Direct and Indirect tax matters, Economic and Capital Market issues etc., Appointed as Director of Bank of Maharashtra w.e.f 26.07.2016.

Directorship or Committee Positions held in other Companies

He is Director on the Board of Jaladhikar Foundation, Asha Akankshka Foundation, CSR Research Foundation and Gaumata Foundation.

2.4.2 Shri Ravindra P. MaratheName Shri Ravindra P. Marathe

Address Bank of Maharashtra, ‘Lokmangal’, 1501, Shivajinagar Pune - 411 005.

Date of Birth 17.11.1958Age 58 yearsQualification M.A. (Economics), CAIIB and Diploma in

Treasury, Investment & Risk Management (IIBF) besides a Certificate in Computer Applications

2.3 ¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸ÊˆÅú¢›¸¡¸º¢Æ÷¸/‚¨¸¬¸¸›¸ ªú£¸Ÿ¸™½¨¸‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸¢™›¸¸¿ˆÅ20.07.2016¬¸½¤¸ÿˆÅ ½Å¢›¸™½©¸ˆÅœ¸™œ¸£›¸íú¿

£í½—

ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ˆÅ¸½ˆÊÅÍ¬¸£ˆÅ¸£×¸£¸26.07.2016¬¸½¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸¢ˆÅ¡¸¸Š¸¡¸¸—

ªú¬¸¿]¸ú¨¸]¸¾›¸,¢™›¸¸¿ˆÅ18.08.2016¬¸½¤¸ÿˆÅˆ½Å¢›¸™½©¸ˆÅœ¸™œ¸£›¸íú¿£í½—

ªú £¢¨¸¿Í œÏž¸¸ˆÅ£ Ÿ¸£¸“½ ˆÅ¸½ 26.09.2016 ¬¸½ ˆÊÅÍ ¬¸£ˆÅ¸£ ×¸£¸ ¤¸ÿˆÅ ‚¸ÁûÅŸ¸í¸£¸«’ïˆ½ÅœÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½ˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸¢ˆÅ¡¸¸Š¸¡¸¸—

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸¢™›¸¸¿ˆÅ26.09.2016¬¸½¤¸ÿˆÅˆ½Å‚š¡¸®¸‡¨¸¿œÏ¤¸¿š¸¢›¸™½©¸ˆÅˆ½Åœ¸™œ¸£›¸íú¿£í½—

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸¢™›¸¸¿ˆÅ31.10.2016¬¸½¤¸ÿˆÅˆ½ÅˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅˆ½Åœ¸™œ¸£›¸íú¿£í½—

ªú‚¸¥¸½‰¸¬¸ú.£¸„÷¸ˆÅ¸½31.03.2017¬¸½ˆÊÅÍ¬¸£ˆÅ¸£×¸£¸¤¸ÿˆÅˆ½ÅˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸¢ˆÅ¡¸¸Š¸¡¸¸—

2.4 ¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¢›¸¡¸ºÆ÷¸¢›¸™½©¸ˆÅ¸ÊˆÅúœÏ¸½ûöÅ¸ƒ¥¸2.4.1ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸

›¸¸Ÿ¸ ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸œ¸÷¸¸ ¤¸ú-1202, ŠÏ¸„¿” É¥¸¸½£, Æ¥¸¸¢¬¸ˆÅ £½¬’¸Á£Ê’ ˆ½Å

œ¸¸¬¸,©¸¸¬°¸ú›¸Š¸£,¢™¥¥¸ú-110052]¸›Ÿ¸¢™›¸¸¿ˆÅ 08.06.1968‚¸¡¸º 49¨¸«¸Ä©¸¾®¸¢µ¸ˆÅ¡¸¸½Š¡¸÷¸¸ ¤¸ú.ˆÅ¸ÁŸ¸.,¬¸ú‡¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸º¢Æ÷¸ˆÅ¸¬¨¸³Åœ¸

‚¿©¸ˆÅ¸¢¥¸ˆÅŠ¸¾£-‚¸¢š¸ˆÅ¸¢£ˆÅ¢›¸™½©¸ˆÅ

‚›¸ºž¸¨¸‚¸œ¸ˆÅ¸½ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ˆ½Å ³Åœ¸ Ÿ¸Ê21 ¨¸«¸¸½ô ¬¸½ ‚¢š¸ˆÅ ˆÅ¸ ‚›¸ºž¸¨¸ í¾. ¨¸½ œÏ¾¦Æ’¢¬¸¿Š¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ûÅŸ¸Ä Ÿ¸½¬¸¬¸Ä ¬¸¾Ÿ¸¬¸Ê” ‡¿” ‡¬¸¸½¢¬¸‡’Ã¬¸, ¢™¥¥¸ú ˆ½Å ¨¸¢£«“ ž¸¸Š¸ú™¸£ íÿ. ‚¸œ¸ˆÅ¸½ ¬¸¸¿¢¨¸¢š¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸, ˆÅ£¸š¸¸›¸, ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸, œÏ¤¸¿š¸ ¥¸½‰¸¸œ¸£ú®¸¸, œÏ÷¡¸®¸ ¨¸ ‚œÏ÷¡¸®¸ ˆÅ£ Ÿ¸¸Ÿ¸¥¸¸Ê, ‚¸¢˜¸ÄˆÅ ¨¸ œ¸»¿]¸ú ¤¸¸]¸¸£ Ÿ¸ºÓ¸Ê ƒ÷¡¸¸¢™ ˆÅ¸ ¬¸Ÿ¸¼Ö ‚›¸ºž¸¨¸ í¾.26.07.2016 ¬¸½ ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ˆ½Å ¢›¸™½©¸ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ¢›¸¡¸ºÆ÷¸

‚›¡¸ ˆ¿Åœ¸¢›¸¡¸¸Ê Ÿ¸Ê ¢›¸™½©¸ˆÅ ‚˜¸¨¸¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å œ¸™ š¸¸£µ¸ ˆÅú ¦¬˜¸¢÷¸

¨¸½ ]¸¥¸¸¢š¸ˆÅ¸£ ûÅ¸„¿”½©¸›¸, ‚¸©¸¸ ‚¸ˆÅ¸¿®¸¸ ûÅ¸„¿”½©¸›¸, ¬¸ú‡¬¸‚¸£ ¢£¬¸\¸Ä ûÅ¸„¿”½©¸›¸ ‚¸¾£ Š¸¸¾Ÿ¸¸÷¸¸ ûÅ¸„¿”½©¸›¸ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ Ÿ¸Ê ¢›¸™½©¸ˆÅ í¿¾.

2.4.2ªú£¢¨¸¿Íœ¸ú.Ÿ¸£¸“½

›¸¸Ÿ¸ ªú£¢¨¸¿Íœ¸ú.Ÿ¸£¸“½œ¸÷¸¸ ¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ï,`¥¸¸½ˆÅŸ¸¿Š¸¥¸',1501,¢©¸¨¸¸]¸ú›¸Š¸£,

œ¸ºµ¸½-411005]¸›Ÿ¸¢™›¸¸¿ˆÅ 17.11.1958‚¸¡¸º 58¨¸«¸Ä©¸¾®¸¢µ¸ˆÅ¡¸¸½Š¡¸÷¸¸ ‡Ÿ¸.‡.(‚˜¸Ä©¸¸¬°¸),¬¸ú‡‚¸ƒÄ‚¸ƒÄ¤¸ú÷¸˜¸¸’ï½]¸£ú,¢›¸¨¸½©¸

‚¸¾£]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸ Ÿ¸Ê¢”œ¥¸¸½Ÿ¸¸(‚¸ƒÄ‚¸ƒÄ¤¸ú‡ûÅ)ƒ¬¸ˆ½Å‚¢÷¸¢£Æ÷¸ˆÅŸœ¡¸»’£‡¦œ¥¸ˆ½Å©¸›¸Ÿ¸½¿¬¸¢’Ä¢ûÅˆ½Å’


32

Nature of appointment as Director

Managing Director and Chief Executive officer

Experience Shri Ravindra P. Marathe, has over 35 years of rich Banking experience in Corporate Strategic Planning, Credit Appraisal, Performance Budgeting, Economic Research, MIS, Environmental Scanning, and Data Warehouse functions. He also worked at exceptionally large branches having exposure to Corporate Credit and Trade Finance for over six years.Shri Ravindra P. Marathe served as the Executive Director of Bank of India (from 10.03.2015 to 26.09.2016). He started his career with Bank of Baroda as Planning Officer in 1982.Shri Ravindra P. Marathe was appointed as Managing Director and Chief Executive Officer of Bank of Maharashtra w.e.f. 26th September, 2016.

Directorship or Committee Positions held in other Companies

Nil

2.4.3 Shri Alekh. C. Rout

Name Shri Alekh. C. Rout

Address Bank of Maharashtra ‘Lokmangal’, 1501, Shivajinagar, Pune - 411 005

Date of Birth

13.04.1960

Age 57 years

Qualifica-tion

M.Sc (Physics) and M.B.A (Finance)

Nature of appoint-ment as Director

Executive Director

Experience Having a vast Banking experience of 34 years and core competence in the area of Corpo-rate Credit, Commercial Banking, Human Re-source, General Administration.He has worked with State Bank of Hyder-abad, State Bank of Patiala and State Bank of Bikaner and Jaipur in various capacities across the industry.He served as Chief General Manager (Com-mercial Banking) in State Bank of Bikaner and Jaipur before joining Bank of Maharashtra. Appointed as Executive Director of Bank of Maharashtra w.e.f 31.03.2017.

Directorship or Commit-tee Posi-tions held in other Companies

Nil

¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸º¢Æ÷¸ˆÅúœÏˆ¼Å¢÷¸

œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿Ÿ¸º‰¡¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ‚¢š¸ˆÅ¸£ú

‚›¸ºž¸¨¸ ªú £¢¨¸¿Í œ¸ú. Ÿ¸£¸“½ ˆÅ¸½ ˆÅ¸Áœ¸¸½Ä£½’ £µ¸›¸ú¢÷¸ˆÅ ‚¸¡¸¸½]¸›¸¸,†µ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸, Å¸¡¸Ä¢›¸«œ¸¸™›¸¤¸]¸¢’¿Š¸,‚¸¢˜¸ÄˆÅ‚›¸º¬¸¿š¸¸›¸,‡Ÿ¸‚¸ƒÄ‡¬¸,œ¸¢£¨¸½©¸ú¬ˆ¾Å¢›¸¿Š¸‚¸¾£”¸’¸¨¸½¡¸£í¸„¬¸ˆÅ¸¡¸¸½ôˆÅ¸35¨¸«¸¸½ô¬¸½ž¸ú‚¢š¸ˆÅˆÅ¸¬¸Ÿ¸¼Ö¤¸ÿ¢ˆ¿ÅŠ¸‚›¸ºž¸¨¸œÏ¸œ÷¸íÿ—„›í¸Ê›¸½‚÷¡¸¢š¸ˆÅ¤¸”õú©¸¸‰¸¸‚¸ÊŸ¸ÊˆÅ¸¡¸Ä¢ˆÅ¡¸¸í¾‚¸¾£ˆÅ¸Áœ¸¸½Ä£½’Ç½Å¢”’÷¸˜¸¸’ï½”ûöÅ¸ƒ›¸Ê¬¸Ÿ¸Ê„›íÊŽ: ¸«¸¸½ô¬¸½‚¢š¸ˆÅˆÅ¸‚›¸ºž¸¨¸œÏ¸œ÷¸í¾—ªú £¢¨¸¿Í œ¸ú. Ÿ¸£¸“½ ›¸½ ¤¸ÿˆÅ‚¸ÁûÅ ƒ¿¢”¡¸¸ ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ(10.03.2015¬¸½26.09.2016÷¸ˆÅ) ˆ½Å³Åœ¸Ÿ¸ÊˆÅ¸¡¸Ä ¢ˆÅ¡¸¸—„›í¸Ê›¸½¨¸«¸Ä1982Ÿ¸Ê¤¸ÿˆÅ‚¸ÁûÅ¤¸”õ¸¾™¸Ÿ¸Ê‚¸¡¸¸½]¸›¸¸‚¢š¸ˆÅ¸£úˆ½Å³Åœ¸Ÿ¸Ê‚œ¸›¸½ˆÅ¢£¡¸£ˆÅú©¸º³Å‚¸÷¸ˆÅú—ªú£¢¨¸¿Íœ¸ú.Ÿ¸£¸“½ˆÅ¸½26¢¬¸÷¸¿¤¸£2016ˆÅ¸½¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ïˆ½ÅœÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿Ÿ¸º‰¡¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ‚¢š¸ˆÅ¸£úˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸¢ˆÅ¡¸¸Š¸¡¸¸—

‚›¡¸ˆ¿Åœ¸¢›¸¡¸¸ÊŸ¸Ê¢›¸™½©¸ˆÅ‚˜¸¨¸¸¬¸¢Ÿ¸¢÷¸ˆ½Åœ¸™š¸¸£µ¸ˆÅú¦¬˜¸¢÷¸

©¸»›¡¸

2.4.3ªú‚¸¥¸½‰¸¬¸ú.£¸„÷¸

›¸¸Ÿ¸ ªú‚¸¥¸½‰¸¬¸ú.£¸„÷¸œ¸÷¸¸ ¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ï, ¥¸¸½ˆÅŸ¸¿Š¸¥¸',1501,¢©¸¨¸¸]¸ú›¸Š¸£,

œ¸ºµ¸½-411005]¸›Ÿ¸¢™›¸¸¿ˆÅ 13.04.1960‚¸¡¸º 57¨¸«¸Ä©¸¾®¸¢µ¸ˆÅ¡¸¸½Š¡¸÷¸¸ ‡Ÿ¸.‡¬¸¬¸ú.(ž¸¸¾¢÷¸ˆÅ©¸¸¬°¸)‚¸¾£‡Ÿ¸.¤¸ú.‡.(¢¨¸î¸)¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸º¢Æ÷¸ˆÅúœÏˆ¼Å¢÷¸

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ

‚›¸ºž¸¨¸ ‚¸œ¸ˆÅ¸½ 34 ¨¸«¸¸½ô ˆÅ¸ ¨¡¸¸œ¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸ ‚›¸ºž¸¨¸ í¾ ‚¸¾£¢›¸Š¸¢Ÿ¸÷¸ †µ¸, ¨¸¸¢µ¸¦]¡¸ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸, Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸,¬¸¸Ÿ¸¸›¡¸œÏ©¸¸¬¸›¸ˆ½Å®¸½°¸Ÿ¸Ê¢¨¸©¸½«¸¡¸¸½Š¡¸÷¸¸í¾.‚¸œ¸›¸½„Ô¸¸½Š¸Ÿ¸Ê¢¨¸¢ž¸››¸ Å¸¡¸Ä®¸Ÿ¸÷¸¸‚¸ÊŸ¸Ê¬’½’¤¸ÿˆÅ‚¸ÁûÅí¾™£¸¤¸¸™,¬’½’¤¸ÿˆÅ‚¸ÁûÅœ¸¢’¡¸¸¥¸¸÷¸˜¸¸¬’½’¤¸ÿˆÅ‚¸ÁûÅ¤¸úˆÅ¸›¸½£‡¿”]¸¡¸œ¸º£Ÿ¸ÊˆÅ¸¡¸Ä¢ˆÅ¡¸¸í¾.¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï Ÿ¸Ê ˆÅ¸¡¸ÄŠÏíµ¸ ¬¸½ œ¸»¨¸Ä ‚¸œ¸›¸½ ¬’½’¤¸ÿˆÅ ‚¸ÁûÅ ¤¸úˆÅ¸›¸½£ ‡¿” ]¸¡¸œ¸º£ Ÿ¸Ê Ÿ¸º‰¡¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ(¨¸¸¢µ¸¦]¡¸ˆÅ¤¸ÿ¢ˆ¿ÅŠ¸)ˆ½Å³Åœ¸Ÿ¸ÊˆÅ¸¡¸Ä¢ˆÅ¡¸¸.31.03.2017 ¬¸½ ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï ˆ½Å ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¢›¸¡¸ºÆ÷¸

‚›¡¸ˆ¿Åœ¸¢›¸¡¸¸ÊŸ¸Ê¢›¸™½©¸ˆÅ‚˜¸¨¸¸¬¸¢Ÿ¸¢÷¸ˆ½Åœ¸™š¸¸£µ¸ˆÅú¦¬˜¸¢÷¸

©¸»›¡¸

33


2.5 Board Meetings: During the Financial Year 2016-17, 14 meetings were held

on the following dates as against minimum of 6 meetings prescribed under Clause 12 of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970/1980.

07.05.2016 12.05.2016 04.06.2016 29.06.2016 12.08.2016 03.09.2016 28.09.201625.10.2016 05.11.2016 09.12.2016 02.01.2017 31.01.2017 28.02.2017 24.03.2017

The details of attendance of the Directors at the aforesaid Board Meetings held during their respective tenure are as under:

Name of the Director

Period Meetings held during their tenure

Meetings attended

Shri Sushil Muhnot

01.04.2016 to 26.09.2016

06 06

Shri R.P.Marathe

26.09.2016 to 31.03.2017

08 08

Shri R.Athmaram

01.04.2016 to 31.10.2016

08 07

Shri.R.K.Gupta 01.04.2016 to 31.03.2017

14 14

Shri. A.C. Rout 31.03.2017 to 31.03.2017

00 00

Shri Ateesh Singh

01.04.2016 to 31.03.2017

14 08

Shri.G.Sreekumar

01.04.2016 to 31.03.2017

14 14

Shri.R.L. Saydiwal

01.04.2016 to 20.07.2016

04 04

Shri. Sanjeev Jain

01.04.2016 to 18.08.2016

05 05

Shri.P. A.Sethi 01.04.2016 to 31.03.2017

14 14

Shri.R.Thamodharan

01.04.2016 to 31.03.2017

14 13

Dr. Archana R. Dholakia

01.04.2016 to 31.03.2017

14 12

ShriDeendayal Agrawal

26.07.2016 to 31.03.2017

10 10

2.6 Code of Conduct:

The Code of Conduct for Board of Directors and Senior Management Personnel i.e. Core Management team comprising all General Managers, has been approved by the Board of Directors in compliance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The said Code of Conduct is posted on the Bank’s website www.bankofmaharashtra.in. All the Board Members and Senior Management Personnel have affirmed the compliance of the code.

2.7 The Bank has the familiarization programme for its Directors with regard to their roles, rights and responsibilities in the Bank. The details of familiarization/ training programmes attended by the Directors of the Bank during the financial year 2016-17 are available on the Bank’s website www.bankofmaharashtra.in.

2.8 None of the Directors of the Bank has any relationships inter-se.

2.5 ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¤¸¾“ˆÊÅ ¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¤¸¾“ˆÊÅ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¢™›¸¸¿ˆÅ¸Ê

œ¸£ ˆºÅ¥¸14 ¤¸¸£ ¬¸¿œ¸››¸ íºƒÄ]¸¤¸¢ˆÅ£¸«’ïú¡¸ˆ¼Å÷¸¤¸ÿˆÅ(œÏ¤¸¿š¸›¸‡¨¸¿¢¨¸¢¨¸š¸œÏ¸¨¸š¸¸›¸)¡¸¸½]¸›¸¸,1970/1980ˆ½Å‰¸¿”12ˆ½Å‚š¸ú›¸›¡¸»›¸÷¸Ÿ¸6¤¸¾“ˆÊÅ¢›¸š¸¸Ä¢£÷¸íÿ—

07.05.2016 12.05.2016 04.06.2016 29.06.2016 12.08.2016 03.09.2016 28.09.201625.10.2016 05.11.2016 09.12.2016 02.01.2017 31.01.2017 28.02.2017 24.03.2017

¬¸¢Ÿ¸¢÷¸ ˆÅú „œ¸¡¸ºÄÆ÷¸ ¤¸¾“ˆÅ¸Ê Ÿ¸Ê¢›¸™½©¸ˆÅ¸Ê ˆÅú‚œ¸›¸ú ˆÅ¸¡¸Ä ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ „œ¸¦¬˜¸¢÷¸ ˆ½Å ¢¨¸¨¸£µ¸ ¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ

¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸‚¨¸¢š¸ ¬¸¢Ÿ¸¢÷¸

Ÿ¸Ê„›¸ˆ½ÅˆÅ¸¡¸ÄˆÅ¸¥¸ˆ½Å™¸¾£¸›¸¬¸¿œ¸››¸¤¸¾“ˆÊÅ

¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

06 06

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

08 08

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

08 07

ªú‚¸£.ˆ½ÅŠ¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

14 14

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚÷¸ú©¸¢¬¸¿í 01.04.2016¬¸½31.03.2017

14 08

ªú]¸ú.ªúˆºÅŸ¸¸£ 01.04.2016¬¸½31.03.2017

14 14

ªú‚¸£.‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸

01.04.2016¬¸½20.07.2016

04 04

ªú¬¸¿]¸ú¨¸]¸¾›¸ 01.04.2016¬¸½18.08.2016

05 05

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

14 14

ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 01.04.2016¬¸½31.03.2017

14 13

”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸

01.04.2016¬¸½31.03.2017

14 12

ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸

26.07.2016¬¸½31.03.2017

10 10

2.6 ‚¸\¸¸£¬¸¿¢í÷¸¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ÷¸˜¸¸ ¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ‚˜¸¸Ä÷¸ ¬¸ž¸ú Ÿ¸í¸œÏ¤¸¿š¸ˆÅ¸Ê ¨¸¸¥¸ú

ˆÅ¸½£ œÏ¤¸¿š¸›¸ ’úŸ¸ í½÷¸º ‚¸\¸¸£ ¬¸¿¢í÷¸¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ×¸£¸ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä(™¸¢¡¸÷¨¸¸Ê‚¸¾£ œÏˆÅ’úˆÅ£µ¸‚¸¨¸©¡¸ˆÅ÷¸¸‚¸ÊˆÅ¸¬¸»\¸úˆÅ£µ¸)‚¢š¸¢›¸¡¸Ÿ¸,2015ˆ½Å‚›¸ºœ¸¸¥¸›¸Ÿ¸Ê‚›¸ºŸ¸¸½¢™÷¸ˆÅúŠ¸ƒÄí¾.„Æ÷¸‚¸\¸¸£¬¸¿¢í÷¸¸¤¸ÿˆÅˆÅú ¨¸½¤¸¬¸¸ƒÄ’www.bankofmaharashtra.in œ¸£ „œ¸¥¸¤š¸ í¾. ¤¸¸½”Ä ˆ½Å ¬¸ž¸ú ¬¸™¬¡¸¸Ê ÷¸˜¸¸ ¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê ›¸½ ¬¸¿¢í÷¸¸ ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú œ¸º¦«’ ˆÅú í¾.

2.7 ¤¸ÿˆÅ ˆ½Å œ¸¸¬¸ „›¸ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ Ÿ¸Ê „›¸ˆÅú ž¸»¢Ÿ¸ˆÅ¸, ‚¢š¸ˆÅ¸£ ÷¸˜¸¸ ¢]¸ŸŸ¸½™¸£ú ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê œ¸¢£\¸¡¸ ˆÅ¸¡¸ÄÇÅŸ¸ í¾. ¢¨¸î¸ú¡¸ ¨¸«¸Ä2016-17 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ¸Ê ×¸£¸ ž¸¸Š¸ ¢¥¸‡ Š¸‡ ƒ›¸ œ¸¢£\¸¡¸ / œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸¸Ê ˆÅ¸ ¤¡¸¸¾£¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒÄ’ www.bankofmaharashtra.in œ¸£ „œ¸¥¸¤š¸ í¾.

2.8 ¤¸ÿˆÅ ˆ½Å ¢ˆÅ¬¸ú ž¸ú ¢›¸™½©¸ˆÅ ˆÅ¸ ‚¸œ¸¬¸ Ÿ¸Ê ˆÅ¸½ƒÄ ¢£©÷¸¸ ›¸íú¿ í¾.


34

3. Annual General Meeting: The Annual General Meeting of the shareholders of the Bank

was held on the 29th June, 2016 at Appasaheb Joag Hall, Head Office, ‘Lokmangal’, 1501, Shivajinagar, Pune - 411005 where following Directors were present.

1 Shri S. Muhnot Chairman & Managing Direc-tor

2 Shri R. K. Gupta Executive Director

3 Shri. Sanjeev Jain Director appointed by Govt. of India and Chairman of Audit Committee of the Board

4 Shri Ramdev L. Saydiwal

Workmen Employee Director

5 Shri. P A. Sethi Director representing share-holders

6 Shri R. Thamodharan Director representing share-holders

4. Committees of Board: The Board has constituted the following committees and

delegated powers in different functional areas.

4.1 Management Committee: The Management Committee (MC) of the Board is constituted

with six members as per provisions of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970/1980. Functions and duties of the Management Committee are as under:

a) Sanction of credit and investment proposals, b) Sanction of loan compromise / write off proposals, c) Approve proposals relating to acquiring of premises/

quarters and other procurements, d) Any other matter referred by the Board. The Committee met 15 times during the period under

review on the following dates:

07.05.2016 18.05.2016 28.06.2016 20.07.2016 05.08.2016 02.09.2016 21.09.201624.10.2016 05.11.2016 08.12.2016 29.12.2016 30.01.2017 27.02.2017 15.03.201724.03.2017

The details of attendance of the Directors at the aforesaid meetings of the Committee held during their respective tenure are as under:

Name of the Director Period Meetings held dur-ing their tenure

Meetings Attended

Shri Sushil Muhnot 01.04.2016 to 26.09.2016

07 07

Shri R.P.Marathe 26.09.2016 to 31.03.2017

08 08

Shri R. Athmaram 01.04.2016 to 31.10.2016

08 08

Shri R. K. Gupta 01.04.2016 to 31.03.2017

15 15

Shri A.C. Rout 31.03.2017 to 31.03.2017

00 00

Shri G. Sreekumar 01.04.2016 to 31.03.2017

15 14

Shri R.L. Saydiwal 01.04.2016 to 20.07.2016

04 04

Shri P.A.Sethi 01.04.2016 to 31.03.2017

13 13

Shri.R.Thamodharan 02.09.2016 to 31.03.2017

09 08

3. ¨¸¸¢«¸ÄˆÅ¬¸¸š¸¸£µ¸¤¸¾“ˆÅÀ ¤¸ÿˆÅ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅú ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ¬¸¸½Ÿ¸¨¸¸£, ¢™›¸¸¿ˆÅ29]¸»›¸,2016

ˆÅ¸½ ‚œœ¸¸¬¸¸í½¤¸ ]¸¸½Š¸ í¸Á¥¸, œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, ¥¸¸½ˆÅŸ¸¿Š¸¥¸,1501, ¢©¸¨¸¸]¸ú›¸Š¸£, œ¸ºµ¸½-411005 Ÿ¸Ê ¬¸¿œ¸››¸ íºƒÄ ¢]¸¬¸Ÿ¸Ê ¢›¸Ÿ›¸¸¿¢ˆÅ÷¸ ¢›¸™½©¸ˆÅ „œ¸¦¬˜¸÷¸ ˜¸½ À

1. ªú‡¬¸.Ÿ¸ºí›¸¸½÷¸ ‚š¡¸®¸‡¨¸¿œÏ¤¸¿š¸¢›¸™½©¸ˆÅ2. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ3. ªú¬¸¿]¸ú¨¸]¸¾›¸ ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸¢›¸¡¸ºÆ÷¸¢›¸™½©¸ˆÅ‚¸¾£¢›¸™½©¸ˆÅ

Ÿ¸µ”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆ½Å‚š¡¸®¸4. ªú£¸Ÿ¸™½¨¸‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸ ˆÅŸ¸ÄˆÅ¸£ˆÅŸ¸Ä\¸¸£ú¢›¸™½©¸ˆÅ5. ªúœ¸ú.‡.¬¸½“ú ©¸½¡¸£š¸¸£ˆÅ¸Êˆ½ÅœÏ¢÷¸¢›¸¢š¸¢›¸™½©¸ˆÅ6. ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ ©¸½¡¸£š¸¸£ˆÅ¸Êˆ½ÅœÏ¢÷¸¢›¸¢š¸¢›¸™½©¸ˆÅ

4 ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¬¸¢Ÿ¸¢÷¸¡¸¸¿ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¬¸¢Ÿ¸¢÷¸¡¸¸Ê Å¸ Š¸“›¸ ¢ˆÅ¡¸¸ í¾ ‚¸¾£ ¢¨¸¢ž¸››¸ Å¸¡¸Ä®¸½°¸¸Ê

Ÿ¸Ê ‚¢š¸ˆÅ¸£¸Ê ˆÅ¸ œÏ÷¡¸¸¡¸¸½]¸›¸¢ˆÅ¡¸¸ í¾.4.1 œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸ £¸«’ïú¡¸ˆ¼Å÷¸ ¤¸ÿˆÅ (œÏ¤¸¿š¸›¸ ‚¸¾£ ¢¨¸¢¨¸š¸ œÏ¸¨¸š¸¸›¸) ¡¸¸½]¸›¸¸, 1970/1980 ˆ½Å

œÏ¸¨¸š¸¸›¸¸Êˆ½Å‚¿÷¸Š¸Ä÷¸¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅúŽ:¬¸™¬¡¸ú¡¸ œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸(‡Ÿ¸¬¸ú)ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸ˆ½ÅˆÅ¸¡¸Ä‚¸¾£ˆÅ÷¸Ä¨¡¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

ˆÅ) †µ¸ ¨¸ ¢›¸¨¸½©¸ œÏ¬÷¸¸¨¸¸Ê ˆÅú Ÿ¸¿]¸»£ú™½›¸¸‰¸) †µ¸ ¬¸Ÿ¸^¸¸¾÷¸¸/¤¸’Ã’½ ‰¸¸÷¸½ Ÿ¸Ê ”¸¥¸›¸½ ˆ½Å œÏ¬÷¸¸¨¸¸ÊˆÅ¸½Ÿ¸¿]¸»£ú™½›¸¸Š¸) œ¸¢£¬¸£/Æ¨¸¸’Ä¬¸Ä ¨¸‚›¡¸¨¸¬÷¸º‚¸ÊˆÅ¸½‚¢š¸ŠÏ¢í÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ œÏ¬÷¸¸¨¸

‚›¸ºŸ¸¸½¢™÷¸ˆÅ£›¸¸÷¸˜¸¸

‹¸) ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ×¸£¸ ¬¸¿™¢ž¸Ä÷¸ ˆÅ¸½ƒÄ‚›¡¸ ¢¨¸«¸¡¸— ¬¸Ÿ¸ú®¸¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ÷¸¸£ú‰¸¸ÊˆÅ¸½ ¬¸¢Ÿ¸¢÷¸ ˆÅú 15¤¸¾“ˆÊÅ íºƒôÀ

07.05.2016 18.05.2016 28.06.2016 20.07.2016 05.08.2016 02.09.2016 21.09.201624.10.2016 05.11.2016 08.12.2016 29.12.2016 30.01.2017 27.02.2017 15.03.201724.03.2017

¬¸¢Ÿ¸¢÷¸ˆÅú„œ¸¡¸ºÄÆ÷¸¤¸¾“ˆÅ¸ÊŸ¸Ê‚œ¸›¸úˆÅ¸¡¸Ä‚¨¸¢š¸ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸ÊˆÅú„œ¸¦¬˜¸¢÷¸ˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ ‚¨¸¢š¸ ¬¸¢Ÿ¸¢÷¸Ÿ¸Ê„›¸ˆ½ÅˆÅ¸¡¸ÄˆÅ¸¥¸ˆ½Å™¸¾£¸›¸¬¸¿œ¸››¸¤¸¾“ˆÊÅ

¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

07 07

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

08 08

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

08 08

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

15 15

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú]¸ú.ªúˆºÅŸ¸¸£ 01.04.2016¬¸½31.03.2017

15 14

ªú‚¸£.‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸

01.04.2016¬¸½20.07.2016

04 04

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

13 13

ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 02.09.2016¬¸½31.03.2017

09 08

35


The composition of the Committee as on 31st March, 2017 is as under:

i Shri R.P.Marathe Chairman

ii Shri R.K. Gupta Member

iii Shri A.C. Rout Member

iv Shri G. Sreekumar Member

v. Shri P.A. Sethi Member

vi. Shri R.Thamodharan Member

4.2. Audit Committee of the Board: Pursuant to the directives of Reserve Bank of India, Audit

Committee of Board of Directors (ACB) is constituted. The delegated functions of the Committee are as under:

a) ACB provides direction as also oversees the operation of the total audit function of the Bank. Total audit function implies the organization, operationalisation, quality control of internal audit and inspection within the Bank and follows up on the statutory / external audit of the Bank and inspection of RBI.

b) As regards internal audit, ACB reviews the internal inspection/ audit function in the Bank – adequacy of the system, its quality and effectiveness in terms of follow up. ACB also reviews inspection reports of specialized and extra large branches and all branches with unsatisfactory ratings.

c) It specifically focuses on the follow up of Inter-Branch Adjustment Accounts, Un-reconciled long outstanding entries in Inter-Bank Accounts and Nostro Accounts, Position of balancing of books at various branches, frauds and all other major areas of housekeeping.

d) ACB obtains and reviews quarterly reports from the Compliance Officer relating to implementation of various Government and RBI guidelines.

e) ACB monitors the reports under concurrent audit, compliance of observations of statutory audit and RBI inspection.

f) ACB approves the appointment of Statutory Central Auditors and also interacts with the Statutory Central Auditors before finalization of the annual / half-yearly /quarterly accounts and reports. It also follows up all the issues raised in the Long Form Audit Report (LFAR).

g) ACB to take care of other issues entrusted to it under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

During the year, the ACB met 10 times and the dates of the meetings are as under:

11.05.2016 12.05.2016 28.06.2016 12.08.2016 02.09.2016

25.10.2016 05.11.2016 02.01.2017 30.01.2017 28.02.2017

The details of attendance of the Directors at the meetings of the Committee held during their respective tenure are as under:

Name of the Direc-tor


Meetings Attended

Shri Sanjeev Jain 01.04.2016 to 18.08.2016

04 04

Shri R. Athmaram* 01.04.2016 to 31.10.2016

06 06

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ

i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸iii. ªú‡.¬¸ú.£¸„÷¸ ¬¸™¬¡¸iv. ªú]¸ú.ªúˆºÅŸ¸¸£ ¬¸™¬¡¸v. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸vi. ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ ¬¸™¬¡¸

4.2 ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸

¬¸¢Ÿ¸¢÷¸(‡¬¸ú¤¸ú) Å¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.¬¸¢Ÿ¸¢÷¸ ½ÅœÏ÷¡¸¸¡¸¸½¢]¸÷¸ Å¸¡¸Ä¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

ˆÅ) ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸(‡¬¸ú¤¸ú)¤¸ÿˆÅˆ½Å¬¸¿œ¸»µ¸Ä¥¸½‰¸¸œ¸£ú®¸¸ˆÅ¸¡¸Ä¬¸¿\¸¸¥¸›¸ˆÅú™½‰¸£½‰¸ˆ½Å ¬¸¸˜¸-¬¸¸˜¸ Ÿ¸¸Š¸Ä™©¸Ä›¸ ž¸ú œÏ™¸›¸ˆÅ£÷¸úí¾. ¬¸Ÿ¸ŠÏ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅ¸¡¸ÄœÏµ¸¸¥¸ú ˆ½Å‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆÅ¸‚¸¿÷¸¢£ˆÅ ¢›¸£ú®¸µ¸‡¨¸¿‚¸¿÷¸¢£ˆÅ¥¸½‰¸¸œ¸£ú®¸¸ˆÅ¸ Š¸ºµ¸¨¸î¸¸ ¢›¸¡¸¿°¸µ¸,¬¸¿\¸¸¥¸›¸÷¸˜¸¸¬¸¿Š¸“›¸¬¸¢í÷¸ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ×¸£¸¢›¸£ú®¸µ¸÷¸˜¸¸¤¸ÿˆÅˆÅú¤¸¸à¸/¬¸¸¿¢¨¸¢š¸ˆÅ¥¸½‰¸¸œ¸£ú®¸¸ˆÅ¸‚›¸º¨¸÷¸Ä›¸©¸¸¢Ÿ¸¥¸í¾.

‰¸) ‚¸¿÷¸¢£ˆÅ¥¸½‰¸¸œ¸£ú®¸¸ˆ½Å¢¨¸«¸¡¸Ÿ¸Ê¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸¤¸ÿˆÅŸ¸Ê‚›¸º¨¸÷¸Ä›¸ Åú ¦«’¬¸½‚¸¿÷¸¢£ˆÅ¢›¸£ú®¸µ¸/¥¸½‰¸¸œ¸£ú®¸¸ Å¸¡¸Ä ÅúŠ¸ºµ¸¨¸î¸¸,œ¸¡¸¸Äœ÷¸÷¸¸‚¸¾£ œÏž¸¸¨¸¸½÷œ¸¸™ˆÅ÷¸¸ ˆÅú ¬¸Ÿ¸ú®¸¸ ˆÅ£÷¸ú í¾. ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸¢¨¸©¸½«¸±¸¨¸‚¢÷¸¢¨¸¬÷¸¼÷¸©¸¸‰¸¸‚¸Ê¬¸¢í÷¸¬¸ž¸ú‚¬¸¿÷¸¸½«¸]¸›¸ˆÅ¡¸¸½Š¡¸÷¸¸ÇÅŸ¸¨¸¸¥¸ú©¸¸‰¸¸‚¸ÊˆÅú¢›¸£ú®¸µ¸¢£œ¸¸½’¸½ôˆÅú¬¸Ÿ¸ú®¸¸ˆÅ£÷¸úí¾.

Š¸) ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ¡¸í ¬¸¢Ÿ¸¢÷¸‚¿÷¸£-©¸¸‰¸¸ ¬¸Ÿ¸¸¡¸¸½]¸›¸ ‰¸¸÷¸¸Ê, ›¸¸Á¬’ï¸½ ‰¸¸÷¸¸Ê‚¸¾£‚¿÷¸£-¤¸ÿˆÅ ‰¸¸÷¸¸Ê Ÿ¸Ê ¬¸Ÿ¸¸š¸¸›¸ ›¸ ˆÅú Š¸ƒÄ ¨¸ ¥¸¿¤¸½ ¬¸Ÿ¸¡¸ ¬¸½ ¤¸ˆÅ¸¡¸¸ œÏ¢¨¸¦«’¡¸¸Ê,¢¨¸¢ž¸››¸©¸¸‰¸¸‚¸ÊŸ¸Ê¥¸½‰¸¸¤¸¢í¡¸¸Êˆ½Å¤¸ˆÅ¸¡¸¸¢Ÿ¸¥¸¸›¸,š¸¸½‰¸¸š¸”õú‚¸¾£Š¸¼í¨¸½®¸µ¸ˆ½ÅŸ¸í÷¨¸œ¸»µ¸Ä®¸½°¸¸ÊˆÅ¸‚›¸º¨¸÷¸Ä›¸ˆÅ£÷¸úí¾.

‹¸) ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸ œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸‚›¸ºœ¸¸¥¸›¸‚¢š¸ˆÅ¸£ú¬¸½ž¸¸£÷¸¬¸£ˆÅ¸£‚¸¾£ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Ê ½ÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸¬¸½¬¸¿¤¸¿¢š¸÷¸¢÷¸Ÿ¸¸íú¢£œ¸¸½’½ôœÏ¸œ÷¸ˆÅ£„›¸ˆÅú¬¸Ÿ¸ú®¸¸ˆÅ£÷¸úí¾.

”.) ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ¬¸¿Š¸¸Ÿ¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ ˆ½Å‚¿÷¸Š¸Ä÷¸ ¢ˆÅ‡Š¸‡ˆÅ¸¡¸Äœ¸£¢›¸Š¸£¸›¸ú£‰¸÷¸úí¾‚¸¾£¬¸¸¿¢¨¸¢š¸ˆÅ¥¸½‰¸¸œ¸£ú®¸¸ˆÅú¢’œœ¸¢µ¸¡¸¸Ê‡¨¸¿ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢›¸£ú®¸µ¸ˆÅ¸‚›¸ºœ¸¸¥¸›¸ˆÅ£÷¸úí¾.

\¸) ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ¬¸¸¿¢¨¸¢š¸ˆÅ ˆ½Å›Íú¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú¢›¸¡¸º¢Æ÷¸ ˆÅ¸‚›¸ºŸ¸¸½™›¸ ˆÅ£÷¸ú í¾‚¸¾£ ¨¸¸¢«¸ÄˆÅ/‚š¸Ä¨¸¸¢«¸ÄˆÅ/°¸¾Ÿ¸¸¢¬¸ˆÅ ‰¸¸÷¸¸Ê ‚¸¾£¢£œ¸¸½’¸½ô ˆÅ¸½‚¿¢÷¸Ÿ¸ ³Åœ¸ ™½›¸½ ¬¸½ œ¸í¥¸½ ¬¸¸¿¢¨¸¢š¸ˆÅ ˆÊÅÍú¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆ½Å ¬¸¸˜¸¤¸¸÷¸\¸ú÷¸ž¸ú Å£÷¸úí¾.¡¸í¬¸¢Ÿ¸¢÷¸¥¸¸ÂŠ¸ûÅ¸Ÿ¸Ä¥¸½‰¸¸œ¸£ú®¸¸¢£œ¸¸½’Ä(‡¥¸‡ûÅ‡‚¸£)Ÿ¸Ê„“¸‡Š¸‡¬¸ž¸úŸ¸ºÓ¸ÊˆÅ¸ž¸ú‚›¸º¨¸÷¸Ä›¸ˆÅ£÷¸úí¾.

Ž) ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸ œÏ¢÷¸ž¸»¢÷¸‚¸¾£ ¢¨¸¢›¸Ÿ¸¡¸ ¤¸¸½”Ä(¢¥¸¢¬’¿Š¸ ‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿ ‚¸¾£ œÏˆÅ’›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ‚¢š¸¢›¸¡¸Ÿ¸, 2015 ˆ½Å‚š¸ú›¸¬¸¸ÿœ¸½Š¸‡‚›¡¸Ÿ¸ºÓ¸Êœ¸£ž¸úˆÅ¸¡¸ÄˆÅ£÷¸úí¾.

¨¸«¸Äˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆÅú10¤¸¾“ˆÊÅíºƒô.¤¸¾“ˆÅ¸Êˆ½Å¢™›¸¸¿ˆÅ¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

11.05.2016 12.05.2016 28.06.2016 12.08.2016 02.09.201625.10.2016 05.11.2016 02.01.2017 30.01.2017 28.02.2017

¬¸¢Ÿ¸¢÷¸ˆÅú„œ¸¡¸ºÄÆ÷¸¤¸¾“ˆÅ¸ÊŸ¸Ê‚œ¸›¸úˆÅ¸¡¸Ä‚¨¸¢š¸ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸ÊˆÅú„œ¸¦¬˜¸¢÷¸ˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£ íÿÀ


¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸¿]¸ú¨¸]¸¾›¸ 01.04.2016¬¸½18.08.2016

04 04

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸* 01.04.2016¬¸½31.10.2016

06 06


36

Shri R.K. Gupta 01.04.2016 to 31.03.2017

10 10

Shri A.C. Rout 31.03.2017 to 31.03.2017

00 00

Shri Ateesh Singh 01.04.2016 to 31.03.2017

10 06

Shri G. Sreekumar 01.04.2016 to 31.03.2017

10 10

Dr. Archana R. Dholakia

01.04.2016 to 31.03.2017

10 10

Shri Deendayal Agrawal

26.07.2016 to 31.03.2017

06 06

*Shri R. Athmaram attended the ACB Meetings as invitee member.

Shri. Chandrakant Bhagwat, Company Secretary, also acts as the Secretary to ACB.


i. Shri Deendayal Agrawal Chairman ii. Shri R.K. Gupta Member iii. Shri Ateesh Singh Member iv. Shri G. Sreekumar Member v. Dr. Archana R. Dholakia Member

4.3 Risk Management Committee of the Board: The Risk Management Committee of the Board has been

constituted with Five Directors as members of the Committee as per the guidelines issued by Reserve Bank of India to devise policies and strategies for Integrated Risk Management containing various risk exposures of the Bank including the credit risk.

The Committee met 05 times during the year as under.

28.06.2016 02.09.2016 25.10.2016 02.01.2017 27.02.2017


Name of the Director Period Meetings held during their tenure

Meetings Attended


02 02

Shri R.P. Marathe 26.09.2016 to 31.03.2017

03 03


03 03

Shri R.K.Gupta 01.04.2016 to 31.03.2017

05 05

Shri. A.C. Rout 31.03.2017 to 31.03.2017

00 00


01 01

Shri P.A. Sethi 01.04.2016 to 31.03.2017

04 04

Shri R. Thamodharan 01.04.2016 to 31.03.2017

01 01

Shri DeendayalAgrawal

26.07.2016 to 31.03.2017

04 04

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

10 10

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚÷¸ú©¸¢¬¸¿í 01.04.2016¬¸½31.03.2017

10 06

ªú]¸ú.ªúˆºÅŸ¸¸£ 01.04.2016¬¸½31.03.2017

10 10

”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸

01.04.2016¬¸½31.03.2017

10 10

ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ 26.07.2016¬¸½31.03.2017

06 06

*ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸›¸½‚¸Ÿ¸¿¢°¸÷¸¬¸™¬¡¸ˆ½Å³Åœ¸Ÿ¸Ê‡¬¸ú¤¸ú¤¸¾“ˆÅŸ¸Ê¬¸íž¸¸Š¸¢¥¸¡¸¸

ªú\¸¿ÍˆÅ¸¿÷¸ž¸¸Š¸¨¸÷¸,ˆ¿Åœ¸›¸ú¬¸¢\¸¨¸,¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆ½Å¬¸¢\¸¨¸ˆ½Å³Åœ¸Ÿ¸ÊˆÅ¸¡¸ÄˆÅ£÷¸½íÿ.

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ

i. ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ ‚š¡¸®¸ ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸ iii. ªú‚÷¸ú©¸¢¬¸¿í ¬¸™¬¡¸ iv. ªú]¸ú.ªúˆºÅŸ¸¸£ ¬¸™¬¡¸ v. ”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸ ¬¸™¬¡¸

4.3 ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ×¸£¸]¸¸£ú¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸Ê ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú

]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾,ƒ¬¸¬¸¢Ÿ¸¢÷¸Ÿ¸Êœ¸¸¿\¸¢›¸™½©¸ˆÅ¬¸™¬¡¸íÿ.¬¸¢Ÿ¸¢÷¸ ¬¸Ÿ¸¦›¨¸÷¸]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸,¢]¸¬¸Ÿ¸Ê†µ¸]¸¸½¢‰¸Ÿ¸¬¸¢í÷¸¤¸ÿˆÅ ˆ½Å ¢¨¸¢ž¸››¸]¸¸½¢‰¸Ÿ¸¢¨¸Š¸¸½œ¸›¸©¸¸¢Ÿ¸¥¸íÿ,›¸ú¢÷¸‚¸¾££µ¸›¸ú¢÷¸÷¸¾¡¸¸£ˆÅ£÷¸úí¾.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ ¬¸¢Ÿ¸¢÷¸ ˆÅú ¢›¸Ÿ›¸¸›¸º¬¸¸£ 05 ¤¸¾“ˆÊÅ íºƒô.

28.06.2016 02.09.2016 25.10.2016 02.01.2017 27.02.2017 ¬¸¢Ÿ¸¢÷¸ Åú„œ¸¡¸ºÄÆ÷¸¤¸¾“ˆÅ¸ÊŸ¸Ê‚œ¸›¸ú Å¸¡¸Ä‚¨¸¢š¸ ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸Ê Åú„œ¸¦¬˜¸¢÷¸

ˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ


¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

02 02

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

03 03

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

03 03

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

05 05

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú¬¸¿]¸ú¨¸]¸¾›¸ 01.04.2016¬¸½18.08.2016

01 01

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

04 04

ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 01.04.2016¬¸½31.03.2017

01 01

ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ 26.07.2016¬¸½31.03.2017

04 04

37



i. Shri R.P.Marathe Chairman

ii. Shri R.K.Gupta Member

iii. Shri A.C. Rout Member

iv Shri Deendayal Agrawal Member


4.4 Stakeholders Relationship Committee: The Stakeholders Relationship Committee was formed by the

Board to oversee the grievances redressal of Shareholders/ Investors of the Bank.

The Committee met 04 times during the year as under.

12.05.2016 02.09.2016 08.12.2016 30.01.2017




Meetings Attended

Shri R.Athmaram

01.04.2016 to 31.10.2016

02 02

Shri R.K.Gupta 01.04.2016 to 31.03.2017

04 04

Shri A.C. Rout 31.03.2017 to 31.03.2017

00 00

Shri R. L. Saydiwal

01.04.2016 to 20.07.2016

01 01

Shri P.A.Sethi 01.04.2016 to 31.03.2017

04 04

Shri R. Thamodharan

01.04.2016 to 31.03.2017

04 03

Dr. Archana R.Dholakia

01.04.2016 to 31.03.2017

03 03


i. Shri. R. Thamodharan Chairman

ii. Shri R.K. Gupta Member


iv. Dr. Archana R.Dholakia Member


The position of complaints in respect of Shareholders received and resolved during the year is as under:

Number of complaints pending as on 01.04.2016 0

Number of complaints received during the year 224

Number of complaints resolved during the year 224

Number of complaints pending as on 31.03.2017 0

Shri Chandrakant Bhagwat, Company Secretary has been designated as the Compliance Officer of the Bank in respect of compliance to the stock exchanges and investor grievances of the Bank.

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ

i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸

ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸

iii. ªú‡.¬¸ú.£¸„÷¸ ¬¸™¬¡¸

iv. ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ ¬¸™¬¡¸

v. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸

4.4 ¢í÷¸š¸¸£ˆÅ¸ÊˆÅú¬¸¿¤¸¿š¸¬¸¢Ÿ¸¢÷¸ ¢›¸™½©¸ˆÅŸ¸¿”¥¸×¸£¸¤¸ÿˆÅˆ½Å©¸½¡¸£š¸¸£ˆÅ¸Ê/¢›¸¨¸½©¸ˆÅ¸ÊˆÅú¢©¸ˆÅ¸¡¸÷¸¸Êˆ½Å¢›¸¨¸¸£µ¸ˆÅú

™½‰¸£½‰¸ˆ½Å¢¥¸‡¢í÷¸š¸¸£ˆÅ¸ÊˆÅú¬¸¿¤¸¿š¸¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸.

¨¸«¸Äˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú¢›¸Ÿ›¸¸›¸º¬¸¸£04¤¸¾“ˆÊÅíºƒô.

12.05.2016 02.09.2016 08.12.2016 30.01.2017



¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

02 02

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

04 04

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚¸£.‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸

01.04.2016¬¸½20.07.2016

01 01

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

04 04

ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 01.04.2016¬¸½31.03.2017

04 03

”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸

01.04.2016¬¸½31.03.2017

03 03

31 Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ

i. ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ ‚š¡¸®¸

ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸

iii. ªú‡.¬¸ú.£¸„÷¸ ¬¸™¬¡¸

iv. ”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸ ¬¸™¬¡¸

v. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸

¨¸«¸Ä ½Å™¸¾£¸›¸©¸½¡¸£š¸¸£ˆÅ¸Ê ½Å¬¸¿¤¸¿š¸Ÿ¸ÊœÏ¸œ÷¸‚¸¾£¢›¸œ¸’¸ƒÄŠ¸ƒÄ¢©¸ˆÅ¸¡¸÷¸¸Ê Åú¦¬˜¸¢÷¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

01.04.2016ˆÅ¸½¥¸¿¢¤¸÷¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 0¨¸«¸Äˆ½Å™¸¾£¸›¸œÏ¸œ÷¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 224¨¸«¸Äˆ½Å™¸¾£¸›¸¢›¸œ¸’¸ƒÄŠ¸ƒÄ¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 22431.03.2017ˆÅ¸½¥¸¿¢¤¸÷¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 0

¤¸ÿˆÅˆ½Å¢›¸¨¸½©¸ˆÅ¸ÊˆÅú¢©¸ˆÅ¸¡¸÷¸¸Ê‚¸¾£¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸ˆ½Å‚›¸ºœ¸¸¥¸›¸ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Êªú\¸¿ÍˆÅ¸¿÷¸ž¸¸Š¸¨¸÷¸,ˆ¿Åœ¸›¸ú¬¸¢\¸¨¸ˆÅ¸½¤¸ÿˆÅˆÅ¸‚›¸ºœ¸¸¥¸›¸‚¢š¸ˆÅ¸£úœ¸™›¸¸¢Ÿ¸÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.


38

4.5 Share Transfer Committee: Besides the Stakeholders’ Relationship Committee, the

Board has formed “Share Transfer Committee” to approve applications of transfer, transmission and name deletion etc., in respect of shares. The Committee meets at least once in 15 days to effect transfer of Shares. The Board has delegated the authority to approve applications of transfer, transmission and name deletion etc., in respect of shares to Share Transfer Scrutiny Committee of Executives w.e.f 05.11.2016 for speedy disposal of applications.

The Committee met on following dates after its formation.

11.04.2016 20.04.2016 03.05.2016 25.05.2016 03.06.201610.06.2016 20.06.2016 05.07.2016 14.07.2016 25.07.201601.08.2016 12.08.2016 22.08.2016 19.09.2016 23.09.201603.10.2016 13.10.2016 27.10.2016 08.12.2016 27.02.2017

The details of attendance of the Directors at the meetings was as under


Period Meetings held during their

tenure on the committee

Meetings Attended

Shri S.Muhnot 01.04.2016 to 26.09.2016

15 09

Shri R.P.Marathe

26.09.2016 to 31.03.2017

05 05

Shri R. Athma-ram

01.04.2016 to 31.10.2016

18 17

Shri R.K. Gupta

01.04.2016 to 31.03.2017

20 19

Shri A.C. Rout 31.03.2017 to 31.03.2017

00 00

Shri P.A. Sethi 05.11.2016 to 31.03.2017

02 02


i. Shri R.P. Marathe Chairman



iv. Shri P.A. Sethi Member

4.6 Special Committee to Monitor Large Value Frauds: As per the directions of Reserve Bank of India, the Committee,

comprising of five Directors as members, was constituted to monitor large value frauds. The major functions of the Committee include monitoring and review of all the frauds of Rs.1.00 crore and above.

The Committee met 04 times during the year as under:

28.06.2016 02.09.2016 08.12.2016 27.02.2017

The details of attendance of the Directors at the meetings of the Committee held during their respective tenures are as under:

4.5 ©¸½¡¸£‚¿÷¸£µ¸¬¸¢Ÿ¸¢÷¸ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸×¸£¸ `¢í÷¸š¸¸£ˆÅ¸Ê ˆÅú ¬¸¿¤¸¿š¸ ¬¸¢Ÿ¸¢÷¸ ˆ½Å ¬¸¸˜¸ íú `©¸½¡¸£‚¿÷¸£µ¸

¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸]¸¸½ ¢ˆÅ©¸½¡¸£¸Êˆ½Å‚¿÷¸£µ¸,’ï¸›¬¸¢Ÿ¸©¸›¸,›¸¸Ÿ¸í’¸‡]¸¸›¸½ˆ½Å‚¸¨¸½™›¸ƒ÷¡¸¸¢™ˆÅ¸‚›¸ºŸ¸¸½™›¸ˆÅ£÷¸úí¾.©¸½¡¸£¸Êˆ½Å‚¿÷¸£µ¸ˆÅ¸½¥¸¸Š¸»ˆÅ£›¸½ˆ½Å¢¥¸‡¬¸¢Ÿ¸¢÷¸ˆÅú¤¸¾“ˆÅ15¢™›¸Ÿ¸ÊˆÅŸ¸¬¸½ˆÅŸ¸‡ˆÅ¤¸¸£í¸½÷¸úí¾.¤¸¸½”Ä›¸½‚¸¨¸½™›¸¸Êˆ½Å÷¸÷ˆÅ¸¥¸¢›¸œ¸’¸›¸í½÷¸º05.11.2016¬¸½ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸ÊˆÅú©¸½¡¸£‚¿÷¸£µ¸¬¸¿¨¸ú®¸¸¬¸¢Ÿ¸¢÷¸ˆÅ¸½©¸½¡¸£¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê‚¿÷¸£µ¸ˆ½Å‚¸¨¸½™›¸¸Ê,í¬÷¸¸¿÷¸£µ¸‚¸¾£›¸¸Ÿ¸í’¸›¸½ƒ÷¡¸¸¢™ˆ½Å‚›¸ºŸ¸¸½¢™÷¸‚¸¨¸½™›¸¸Êí½÷¸ºœÏ¸¢š¸ˆÅ¸£úœÏ÷¡¸¸¡¸¸½¢]¸÷¸¢ˆÅ¡¸¸í¾.

¬¸¢Ÿ¸¢÷¸ˆ½Å Š¸“›¸ˆ½Å œ¸ä¸¸÷¸ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸÷¸¸£ú‰¸¸ÊˆÅ¸½ ¤¸¾“ˆÅ¸ÊˆÅ¸‚¸¡¸¸½]¸›¸ ¢ˆÅ¡¸¸Š¸¡¸¸.

11.04.2016 20.04.2016 03.05.2016 25.05.2016 03.06.201610.06.2016 20.06.2016 05.07.2016 14.07.2016 25.07.201601.08.2016 12.08.2016 22.08.2016 19.09.2016 23.09.201603.10.2016 13.10.2016 27.10.2016 08.12.2016 27.02.2017

¤¸¾“ˆÅ¸ÊŸ¸Ê¢›¸™½©¸ˆÅ¸ÊˆÅú„œ¸¦¬˜¸¢÷¸ˆÅ¸¤¡¸¸¾£¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À

¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ ‚¨¸¢š¸ ¬¸¢Ÿ¸¢÷¸Ÿ¸Ê„›¸ˆ½Å

ˆÅ¸¡¸ÄˆÅ¸¥¸ˆ½Å™¸¾£¸›¸¬¸¿œ¸››¸¤¸¾“ˆÊÅ

¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú‡¬¸.Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

15 09

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

05 05

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

18 17

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

20 19

ªú‡. ¬¸ú. £¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªúœ¸ú.‡.¬¸½“ú 05.11.2016¬¸½31.03.2017

02 02

31Ÿ¸¸\¸Ä,2017÷¸ˆÅ¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ

i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸

ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸

iii.ªú‡. ¬¸ú. £¸„÷¸ ¬¸™¬¡¸

iv. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸

4.6 ¤¸”õú£¸¢©¸¨¸¸¥¸ú]¸¸¥¸¬¸¸¢]¸¡¸¸ÊˆÅú¢›¸Š¸£¸›¸úí½÷¸º¢¨¸©¸½«¸¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å‚›¸º™½©¸¸Êˆ½Å‚›¸º¬¸¸£¡¸í¬¸¢Ÿ¸¢÷¸Š¸¢“÷¸ˆÅúŠ¸ƒÄí¾.¬¸¢Ÿ¸¢÷¸

Ÿ¸Ê5¢›¸™½©¸ˆÅ¬¸™¬¡¸íÿ]¸¸½„\\¸Ÿ¸»¥¡¸¨¸¸¥¸ú]¸¸¥¸¬¸¸¢]¸¡¸¸ÊˆÅú¢›¸Š¸£¸›¸úˆÅ£÷¸½íÿ—¬¸¢Ÿ¸¢÷¸ˆÅ¸Ÿ¸º‰¡¸ˆÅ¸¡¸Ä²Å.1.00ˆÅ£¸½”õ‡¨¸¿„¬¸¬¸½‚¢š¸ˆÅˆÅú¬¸ž¸ú]¸¸¥¸¬¸¸¢]¸¡¸¸ÊˆÅú¢›¸Š¸£¸›¸ú‡¨¸¿¬¸Ÿ¸ú®¸¸ˆÅ£›¸¸í¾—

¨¸«¸Äˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú04¤¸¾“ˆÊÅ¢›¸Ÿ›¸¸›¸º¬¸¸£íºƒôÀ

28.06.2016 02.09.2016 08.12.2016 27.02.2017


39





Meetings Attended

Shri Sushil Muhnot

01.04.2016 to 26.09.2016

02 02

Shri R.P.Marathe

26.09.2016 to 31.03.2017

02 02

Shri R.Athmaram

01.04.2016 to31.10.2016

02 02

Shri R.K. Gupta

01.04.2016 to 31.03.2017

04 04

Shri A. C.Rout

31.03.2017 to 31.03.2017

00 00

Shri Ateesh Singh

01.04.2016 to 31.03.2017

04 01

Shri Sanjeev Jain

01.04.2016 to 18.08.2016

01 01

Shri Deendayal Agrawal

26.07.2016 to 31.03.2017

03 03





iv. Shri Ateesh Singh Member

v. Shri Deendayal Agrawal Member

4.7 Directors’ Promotion Committee: A Committee of Directors consisting of Chairman and Managing

Director/ Managing Director and CEO the nominee Directors of Government of India and Reserve Bank of India has been formed for dealing with the promotions at senior level. The Committee also deals with review of vigilance disciplinary cases and departmental enquiries, for which the Executive Director is also associated with this committee


28.06.2016 02.09.2016 09.12.2016

The details of attendance of the Directors at the aforesaid Committee meetings are as under:




Meetings Attended

Shri Sushil Muhnot

01.04.2016 to 26.09.2016

02 02

Shri R.P.Marathe

26.09.2016 to 31.03.2017

01 01

Shri R. Athmaram

01.04.2016 to 31.10.2016

02 02

Shri R.K. Gupta

01.04.2016 to 31.03.2017

03 03

Shri A.C.Rout 31.03.2017 to 31.03.2017

00 00

Shri Ateesh Singh

01.04.2016 to 31.03.2017

03 02

Shri G. Sreekumar

01.04.2016 to 31.03.2017

03 03


¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

02 02

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

02 02

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

02 02

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

04 04

ªú‡. ¬¸ú. £¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚÷¸ú©¸¢¬¸¿í 01.04.2016¬¸½31.03.2017

04 01

ªú¬¸¿]¸ú¨¸]¸¾›¸ 01.04.2016¬¸½18.08.2016

01 01

ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ 26.07.2016¬¸½31.03.2017

03 03

31 Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸ ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸ iii. ªú‡. ¬¸ú. £¸„÷¸ ¬¸™¬¡¸ iv. ªú‚÷¸ú©¸¢¬¸¿í ¬¸™¬¡¸ v. ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ ¬¸™¬¡¸

4.7 ¢›¸™½©¸ˆÅœ¸™¸½››¸¢÷¸¬¸¢Ÿ¸¢÷¸ ¨¸¢£«“¬÷¸£œ¸£œ¸™¸½››¸¢÷¸¡¸¸Êí½÷¸º‚š¡¸®¸¨¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ/œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ‡¨¸¿

¬¸úƒÄ‚¸½÷¸˜¸¸ž¸¸£÷¸¬¸£ˆÅ¸£‡¨¸¿ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å›¸¸¢Ÿ¸÷¸¢›¸™½©¸ˆÅ¸Ê¨¸¸¥¸ú‡ˆÅ¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.¡¸í¬¸¢Ÿ¸¢÷¸¬¸÷¸ˆÄÅ÷¸¸‚›¸º©¸¸¬¸¢›¸ˆÅŸ¸¸Ÿ¸¥¸¸Ê÷¸˜¸¸ ¢¨¸ž¸¸Š¸ú¡¸ ˆÅ¸£Ä¨¸¸ƒ¡¸¸Ê ˆÅú ¬¸Ÿ¸ú®¸¸ ž¸ú ˆÅ£÷¸ú í¾, ¢]¸¬¸ˆ½Å ¢¥¸‡ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅž¸úƒ¬¸¬¸¢Ÿ¸¢÷¸ˆ½Å¬¸¸˜¸¬¸¿¤¸Öí¸½÷¸½íÿ.

¨¸«¸Äˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú03¤¸¾“ˆÊÅ¢›¸Ÿ›¸¸›¸º¬¸¸£íºƒô.

28.06.2016 02.09.2016 09.12.2016

¬¸¢Ÿ¸¢÷¸ˆÅú„œ¸¡¸ºÄÆ÷¸¤¸¾“ˆÅ¸ÊŸ¸Ê¢›¸™½©¸ˆÅ¸ÊˆÅú„œ¸¦¬˜¸¢÷¸ˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ ‚¨¸¢š¸ ¬¸¢Ÿ¸¢÷¸Ÿ¸Ê„›¸ˆ½Å

ˆÅ¸¡¸ÄˆÅ¸¥¸ˆ½Å™¸¾£¸›¸¬¸¿œ¸››¸¤¸¾“ˆÊÅ

¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

02 02

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

01 01

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

02 02

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

03 03

ªú‡. ¬¸ú. £¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚÷¸ú©¸¢¬¸¿í 01.04.2016¬¸½31.03.2017

03 02

ªú]¸ú.ªúˆºÅŸ¸¸£ 01.04.2016¬¸½31.03.2017

03 03


40

The composition of the Committee as on 31st March, 2017 is as under.


ii. Shri R.K.Gupta Member

iii. Shri A.C.Rout Member

iv. Shri Ateesh Singh Member

v. Shri G. Sreekumar Member

4.8 Customer Service Committee: As per the directions of the RBI, the Committee was constituted

to review a feed-back on quality of customer service in the Bank and to have innovative measures for enhancing the quality of customer service by bringing about on-going improvements in the systems and procedures of the Bank.


11.05.2016 20.07.2016 08.12.2016 30.01.2017


Name of the Director Period Meetings held during their tenure on the committee

Meetings Attended


02 02

Shri R.P. Marathe 26.09.2016 to 31.03.2017

02 02


02 02

Shri R.K. Gupta 01.04.2016 to 31.03.2017

04 04

Shri A.C.Rout 31.03.2017 to 31.03.2017

00 00

Shri R.L. Saydiwal 01.04.2016 to 20.07.2016

02 02

Shri P.A. Sethi 01.04.2016 to 31.03.2017

02 02

Dr. Archana R. Dholakia 01.04.2016 to 31.03.2017

02 02



ii. Shri R K.Gupta Member

iii Shri A.C. Rout Member

iv Dr. Archana R.Dholakia Member

v Shri P.A.Sethi Member

4.9 Remuneration Committee: The Committee was constituted to evaluate the performance

of whole time Directors for determining the performance-linked incentive payable to them. The Committee evaluates the qualitative and quantitative performance of the Bank on the given parameters, to decide on the performance linked incentive, admissible to the Whole Time Directors of the Bank. No such meeting of Committee was held during the year 2016-17.


i. Shri Ateesh Singh Chairman

ii. Shri.G. Sreekumar Member

iii Shri R. Thamodharan Member

iv Shri Deendayal Agrawal Member

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸ ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸ iii. ªú‡. ¬¸ú. £¸„÷¸ ¬¸™¬¡¸ iv. ªú‚÷¸ú©¸¢¬¸¿í ¬¸™¬¡¸ v. ªú]¸ú.ªúˆºÅŸ¸¸£ ¬¸™¬¡¸

4.8 ŠÏ¸íˆÅ¬¸½¨¸¸¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¤¸ÿˆÅˆÅúŠÏ¸íˆÅ¬¸½¨¸¸ˆÅúŠ¸ºµ¸¨¸î¸¸œ¸£

œÏ¸œ÷¸œÏ¢÷¸-¬¸»\¸›¸¸‚¸ÊˆÅ¸œ¸º›¸£ú®¸µ¸ˆÅ£›¸½‚¸¾£¤¸ÿˆÅˆÅúˆÅ¸¡¸Ä¢¨¸¢š¸¡¸¸Ê‚¸¾£œÏµ¸¸¢¥¸¡¸¸ÊŸ¸Ê¬¸÷¸÷¸‚¸š¸¸£œ¸£¬¸ºš¸¸£¥¸¸ˆÅ£ŠÏ¸íˆÅ¬¸½¨¸¸ˆÅúŠ¸ºµ¸¨¸î¸¸¬¸ºš¸¸£›¸½í½÷¸º›¸¨¸¸½›Ÿ¸½«¸ú„œ¸¸¡¸‚œ¸›¸¸›¸½ˆ½Å¢¥¸‡¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.


11.05.2016 20.07.2016 08.12.2016 30.01.2017 ¬¸¢Ÿ¸¢÷¸ˆÅú„œ¸¡¸ºÄÆ÷¸¤¸¾“ˆÅ¸ÊŸ¸Ê‚œ¸›¸úˆÅ¸¡¸Ä‚¨¸¢š¸ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸ÊˆÅú„œ¸¦¬˜¸¢÷¸

ˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ ‚¨¸¢š¸ ¬¸¢Ÿ¸¢÷¸Ÿ¸Ê„›¸ˆ½Å

ˆÅ¸¡¸ÄˆÅ¸¥¸ˆ½Å™¸¾£¸›¸¬¸¿œ¸››¸¤¸¾“ˆÊÅ

¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

02 02

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

02 02

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

02 02

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

04 04

ªú‡. ¬¸ú. £¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú‚¸£.‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸

01.04.2016¬¸½20.07.2016

02 02

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

02 02

”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸

01.04.2016¬¸½31.03.2017

02 02

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ i. ªú‚¸£.œ¸ú.Ÿ¸£¸“½ ‚š¡¸®¸ ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸ iii. ªú‡. ¬¸ú. £¸„÷¸ ¬¸™¬¡¸ iv. ”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸ ¬¸™¬¡¸ v. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸

4.9 œ¸¸¢£ª¢Ÿ¸ˆÅ¬¸¢Ÿ¸¢÷¸ ¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ¢›¸™½©¸ˆÅ¸Êˆ½ÅˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸ˆÅ£›¸½÷¸˜¸¸

„›íÊ™½¡¸ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸¬¸½]¸º”õúœÏ¸½÷¬¸¸í›¸£¸¢©¸ˆÅ¸½‚›¸ºŸ¸¸½¢™÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¢ˆÅ¡¸¸Š¸¡¸¸˜¸¸.¬¸¢Ÿ¸¢÷¸ ›¸½ ¤¸ÿˆÅˆ½Å œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ ¢›¸™½©¸ˆÅ¸ÊˆÅ¸½™½¡¸ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸¬¸½]¸º”úœÏ¸½÷¬¸¸í›¸£¸¢©¸ œ¸£ ¢›¸µ¸Ä¡¸¥¸½›¸½í½÷¸º ¢™‡Š¸‡Ÿ¸¸›¸™¿”¸Ê œ¸£¤¸ÿˆÅˆ½Å Ÿ¸¸°¸¸÷Ÿ¸ˆÅ ¨¸Š¸ºµ¸¸÷Ÿ¸ˆÅˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸¢ˆÅ¡¸¸.¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú‡½¬¸úˆÅ¸½ƒÄ¤¸¾“ˆÅ‚¸¡¸¸½¢]¸÷¸›¸íú¿ˆÅúŠ¸ƒÄ.

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ i. ªú‚÷¸ú©¸¢¬¸¿í ‚š¡¸®¸ ii. ªú]¸ú.ªúˆºÅŸ¸¸£ ¬¸™¬¡¸ iii. ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ ¬¸™¬¡¸ iv. ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ ¬¸™¬¡¸

41


4.10 Nomination Committee: In terms of RBI guidelines, the Committee was constituted to

examine and accord ‘fit and proper’ status in respect of the elected Shareholder Directors. The Committee comprised of three non-executive directors, i.e. Shri Ateesh Singh, Shri G Sreekumar, and Dr. Archana R. Dholakia. No such meeting of Committee was held during the year 2016-17.

4.11 Technology Committee: The Technology Committee of the Board was constituted in

the Bank to deal with all aspects of IT Governance including choosing the right IT strategy and monitoring implementation of all strategic IT plans.


11.05.2016 02.09.2016 25.10.2016 30.01.2017



Period M e e t i n g s held during their tenure

M e e t i n g s Attended


03 03

Shri R.K. Gupta 01.04.2016 to 31.03.2017

04 04

Shri A.C.Rout 31.03.2017 to 31.03.2017

00 00


01 01

Shri P.A. Sethi 01.04.2016 to 31.03.2017

04 04

Shri R. Thamodharan

01.04.2016 to 31.03.2017

04 02

D r . A r c h a n a Dholakia

01.04.2016 to 31.03.2017

03 03


i. Shri. R.Thamodharan Chairman

ii. Shri. R.K.Gupta Member

iii. Shri. A.C.Rout Member

iv. Shri. P.A.Sethi Member

v. Dr. A.R.Dholakia Member

4.12 Credit Approval Committee: The Credit Approval Committee of the Board was constituted

on 10th February 2012 following the amendment to Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970/1980. The Committee is vested with the powers of the Board with regard to credit proposals up to Rs. 250.00 crore individual, Rs. 500.00 crore for group exposure and loan compromise/write off proposals. In terms of the provisions, the constitution of the Committee is as follows.

i. Chairman & Managing Director/ MD & CEO

ii. Executive Director/s

iii. General Manager, Credit

iv. General Manager, Integrated Risk Management

v. General Manager, Financial Management & Accounts

4.10 ›¸¸Ÿ¸¸¿ˆÅ›¸¬¸¢Ÿ¸¢÷¸ ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢›¸¨¸¸Ä¢\¸÷¸©¸½¡¸£š¸¸£ˆÅ¢›¸™½©¸ˆÅ¸Ê

ˆ½Å„œ¸¡¸ºÆ÷¸‚¸¾£„¢\¸÷¸¬÷¸£ˆÅú]¸¸¿\¸ˆÅ£›¸½‚¸¾£„¬¸½‚›¸ºŸ¸¸½¢™÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸˜¸¸.¬¸¢Ÿ¸¢÷¸Ÿ¸Ê÷¸ú›¸Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅíÿªú‚÷¸ú©¸¢¬¸¿í,ªú]¸ú.ªúˆºÅŸ¸¸£‚¸¾£”¸Á.‚\¸Ä›¸¸‚¸£.[¸½¥¸¢ˆÅ¡¸¸.¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú‡½¬¸úˆÅ¸½ƒÄ¤¸¾“ˆÅ‚¸¡¸¸½¢]¸÷¸›¸íú¿ˆÅúŠ¸ƒÄ.

4.11 œÏ¸¾Ô¸¸½¢Š¸ˆÅú¬¸¢Ÿ¸¢÷¸ ¬¸»\¸›¸¸œÏ¸¾Ô¸¸½¢Š¸ˆÅúˆÅú„¢\¸÷¸£µ¸›¸ú¢÷¸ˆÅ¸\¸¡¸›¸ˆÅ£›¸½÷¸˜¸¸¬¸»\¸›¸¸œÏ¸¾Ô¸¸½¢Š¸ˆÅúˆÅú

¬¸ž¸ú£µ¸›¸ú¢÷¸ˆÅ¡¸¸½]¸›¸¸‚¸Êˆ½ÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸ˆÅú¢›¸Š¸£¸›¸úˆÅ£›¸½ˆ½Å¬¸¸˜¸-¬¸¸˜¸¬¸»\¸›¸¸œÏ¸¾Ô¸¸½¢Š¸ˆÅúŠ¸¨¸›¸½ô¬¸ˆ½Å¬¸ž¸úœ¸í¥¸º‚¸ÊˆÅú™½‰¸£½‰¸í½÷¸º¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅúœÏ¸¾Ô¸¸½¢Š¸ˆÅú¬¸¢Ÿ¸¢÷¸ˆÅ¸Š¸“›¸¢ˆÅ¡¸¸Š¸¡¸¸˜¸¸—

¨¸«¸Äˆ½Å™¸¾£¸›¸¬¸¢Ÿ¸¢÷¸ˆÅú¢›¸Ÿ›¸¸›¸º¬¸¸£04¤¸¾“ˆÊÅíºƒôÀ

11.05.2016 02.09.2016 25.10.2016 30.01.2017



¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

03 03

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

04 04

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ªú¬¸¿]¸ú¨¸]¸¾›¸ 01.04.2016¬¸½18.08.2016

01 01

ªúœ¸ú.‡.¬¸½“ú 01.04.2016¬¸½31.03.2017

04 04

ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 01.04.2016¬¸½31.03.2017

04 02

”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸

01.04.2016¬¸½31.03.2017

03 03

31Ÿ¸¸\¸Ä2017ˆÅ¸½¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸££íúÀ i. ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ ‚š¡¸®¸ ii. ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ¬¸™¬¡¸ iii. ªú‡.¬¸ú.£¸„÷¸ ¬¸™¬¡¸ iv. ªúœ¸ú.‡.¬¸½“ú ¬¸™¬¡¸ v. ”¸Á.‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸ ¬¸™¬¡¸

4.12 †µ¸‚›¸ºŸ¸¸½™›¸¬¸¢Ÿ¸¢÷¸ £¸«’ïú¡¸ˆ¼Å÷¸ ¤¸ÿˆÅ(œÏ¤¸¿š¸›¸‚¸¾£ ¢¨¸¢¨¸š¸ œÏ¸¨¸š¸¸›¸)¡¸¸½]¸›¸¸1970/80Ÿ¸Ê¬¸¿©¸¸½š¸›¸

ˆ½Å‚›¸º¬¸£µ¸ Ÿ¸Ê Ÿ¸¿”¥¸ˆÅú†µ¸‚›¸ºŸ¸¸½™›¸ ¬¸¢Ÿ¸¢÷¸ˆÅ¸ Š¸“›¸ ¢™›¸¸¿ˆÅ10ûÅ£¨¸£ú2012ˆÅ¸½ ¢ˆÅ¡¸¸Š¸¡¸¸.¬¸¢Ÿ¸¢÷¸ˆÅ¸½¨¡¸¢Æ÷¸Š¸÷¸²Å.250.00ˆÅ£¸½”õ÷¸ˆÅˆ½Å,¬¸Ÿ¸»í¢¨¸$¸¸½œ¸›¸í½÷¸º ²Å.500.00ˆÅ£¸½”õ÷¸ˆÅˆ½Å†µ¸œÏ¬÷¸¸¨¸‚¸¾£†µ¸¬¸Ÿ¸^¸¸¾÷¸¸/¤¸’Ã’½‰¸¸÷¸½œÏ¬÷¸¸¨¸¸Ê ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¤¸¸½”Ä ½Å‚¢š¸ˆÅ¸£œÏ™¸›¸¢ˆÅ‡Š¸‡íÿ.œÏ¸¨¸š¸¸›¸¸Ê ½Å‚›¸º¬¸¸£¬¸¢Ÿ¸¢÷¸ˆÅú¬¸¿£\¸›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À

i. ‚š¡¸®¸¨¸œÏ¤¸¿š¸¢›¸™½©¸ˆÅ/œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½

ii. ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅŠ¸µ¸

iii. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,†µ¸

iv. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¬¸Ÿ¸¦›¨¸÷¸]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸

v. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¢¨¸î¸ú¡¸œÏ¤¸¿š¸›¸¨¸¥¸½‰¸¸


42

vi. General Manager, Credit Priority

vii. General Manager, Recovery and Legal Services.

The Committee met 22 times during the year on the dates given below.

Sr.No Date Sr.No Date Sr.No Date01 20.04.2016 10 29.10.2016 19 09.03.2017

02 05.05.2016 11 19.11.2016 20 22.03.2017

03 20.05.2016 12 23.11.2016 21 29.03.2017

04 08.07.2016 13 22.12.2016 22 31.03.2017

05 05.08.2016 14 27.12.2016

06 08.09.2016 15 13.01.2017

07 23.09.2016 16 21.01.2017

08 30.09.2016 17 10.02.2017

09 15.10.2016 18 23.02.2017

The details of attendance of the Directors at the aforesaid Committee meetings are as Under:



Meetings Attended

Shri Sushil Muhnot

01.04.2016 to 26.09.2016

07 07

Shri R.P.Marathe

26.09.2016 to 31.03.2017

15 15

Shri R. Ath-maram

01.04.2016 to 31.10.2016

10 10

Shri R.K. Gupta

01.04.2016 to 31.03.2017

22 22

Shri A.C.Rout 31.03.2017 to 31.03.2017

00 00

The meetings were also attended by the following executives.

i. General Manager, Credit

ii. General Manager, Integrated Risk Management

iii. General Manager, Financial Management & Accounts

iv. General Manager, Credit Priority – As per requirement

v. General Manager, Recovery- As per requirement

4.13 The meetings of Committee for Monitoring Recovery (04), Committee for Monitoring Slippages and Stressed Accounts (03), Committee of the Board for review of identification of willful default (01), Steering Committee of the Board on HR (03) and Committee of Board as Appellate/Reviewing Authority (01) were also held during the year.

(Figures in bracket denote number of meetings held during the year).

4.14 Other Committees:

There are also other Committees of executives viz., Asset Liability Management Committee (ALCO), Premises Committee, High Power IT Committee, System & Procedure Committee, Investment Committee, Top Management Committee, High Level Credit Committee and Audit Committee of Executives for reviewing functioning in various specific areas and giving operational directions/sanctions.

vi. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,†µ¸œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸

vii. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¨¸¬¸»¥¸ú¨¸¢¨¸¢š¸¬¸½¨¸¸‡¿


ÇÅ. ¢™›¸¸¿ˆÅ ÇÅ. ¢™›¸¸¿ˆÅ ÇÅ. ¢™›¸¸¿ˆÅ01 20.04.2016 10 29.10.2016 19 09.03.201702 05.05.2016 11 19.11.2016 20 22.03.201703 20.05.2016 12 23.11.2016 21 29.03.201704 08.07.2016 13 22.12.2016 22 31.03.201705 05.08.2016 14 27.12.201606 08.09.2016 15 13.01.201707 23.09.2016 16 21.01.201708 30.09.2016 17 10.02.201709 15.10.2016 18 23.02.2017



¤¸¾“ˆÅ¸ÊŸ¸Ê„œ¸¦¬˜¸¢÷¸

ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ 01.04.2016¬¸½26.09.2016

07 07

ªú‚¸£.œ¸ú.Ÿ¸£¸“½ 26.09.2016¬¸½31.03.2017

15 15

ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ 01.04.2016¬¸½31.10.2016

10 10

ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ 01.04.2016¬¸½31.03.2017

22 22

ªú‡.¬¸ú.£¸„÷¸ 31.03.2017¬¸½31.03.2017

00 00

ƒ›¸¤¸¾“ˆÅ¸ÊŸ¸Ê¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅž¸ú©¸¸¢Ÿ¸¥¸íº‡À

i. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,†µ¸

ii. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¬¸Ÿ¸¦›¨¸÷¸]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸

iii. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¢¨¸î¸ú¡¸œÏ¤¸¿š¸›¸¨¸¥¸½‰¸¸

iv. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,†µ¸œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸-‚¸¨¸©¡¸ˆÅ÷¸¸›¸º¬¸¸£

v. Ÿ¸í¸œÏ¤¸¿š¸ˆÅ,¨¸¬¸»¥¸ú-‚¸¨¸©¡¸ˆÅ÷¸¸›¸º¬¸¸£

4.13 ¨¸«¸Äˆ½Å™¸¾£¸›¸¨¸¬¸»¥¸ú¢›¸Š¸£¸›¸ú¬¸¢Ÿ¸¢÷¸(04),ˆÅ¸½¢’‚¨¸›¸¡¸›¸¨¸™¤¸¸¨¸ŠÏ¬÷¸‰¸¸÷¸¸ÊˆÅú¢›¸Š¸£¸›¸ú¬¸¢Ÿ¸¢÷¸(03),ƒ£¸™÷¸›¸\¸»ˆÅœ¸í\¸¸›¸ˆÅú¬¸Ÿ¸ú®¸¸í½÷¸º¢›¸™½©¸ˆÅŸ¸¿”¥¸¬¸¢Ÿ¸¢÷¸(01), Ÿ¸¸›¸¨¸ ¬¸¿¬¸¸š¸›¸ œ¸£ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ˆÅú ¬’ú¡¸¢£¿Š¸ ¬¸¢Ÿ¸¢÷¸(03)‚¸¾£‚œ¸ú¥¸ú¡¸/¬¸Ÿ¸ú®¸¸œÏ¸¢š¸ˆÅ£µ¸ˆ½Å³Åœ¸Ÿ¸Ê ¢›¸™½©¸ˆÅŸ¸¿”¥¸¬¸¢Ÿ¸¢÷¸(01)ˆÅú¤¸¾“ˆÊÅž¸ú‚¸¡¸¸½¢]¸÷¸íºƒÄ.

(ˆÅ¸½«’ˆÅˆ½Å‚¸¿ˆÅ”õ½¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸¡¸¸½¢]¸÷¸¤¸¾“ˆÅ¸ÊˆÅú¬¸¿‰¡¸¸™©¸¸Ä÷¸½íÿ).

4.14 ‚›¡¸¬¸¢Ÿ¸¢÷¸¡¸¸¿ ¢¨¸¢ž¸››¸¢¨¸¢©¸«’¢¨¸ž¸¸Š¸¸ÊˆÅúˆÅ¸¡¸ÄœÏµ¸¸¥¸úˆÅú¬¸Ÿ¸ú®¸¸‚¸¾£¬¸¿\¸¸¥¸›¸Š¸÷¸Ÿ¸¸Š¸Ä™©¸Ä›¸/

Ÿ¸¿]¸»¢£¡¸¸Ê í½÷¸º ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸Ê ˆÅú ˆºÅŽ‚›¡¸ ¬¸¢Ÿ¸¢÷¸¡¸¸¿ ]¸¾¬¸½ ‚¸¦¬÷¸ ™½¡¸÷¸¸ œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸(‡¥ˆÅ¸½),œ¸¢£¬¸£¬¸¢Ÿ¸¢÷¸,„\\¸‚¢š¸ˆÅ¸£œÏ¸œ÷¸¬¸»\¸›¸¸œÏ¸¾Ô¸¸½¢Š¸ˆÅú¬¸¢Ÿ¸¢÷¸,œÏµ¸¸¥¸ú‡¨¸¿¢ÇÅ¡¸¸¢¨¸¢š¸¬¸¢Ÿ¸¢÷¸,¢›¸¨¸½©¸¬¸¢Ÿ¸¢÷¸,„\\¸œÏ¤¸¿š¸›¸¬¸¢Ÿ¸¢÷¸,„\\¸¬÷¸£ú¡¸†µ¸¬¸¢Ÿ¸¢÷¸÷¸˜¸¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸ÊˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ƒ÷¡¸¸¢™¬¸¢Ÿ¸¢÷¸¡¸¸¿ž¸úíÿ.

43


5. Remuneration of Directors: The Bank is governed by the Banking Regulations Act,

1949, Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970. The Bank does not pay any remuneration to the Non-Executive Directors apart from sitting fees as fixed by the Government of India and travel expenses, on actual basis.

The Chairman and Managing Director/MD & CEO and two Executive Directors (3 whole time directors) are being paid remuneration by way of salary as per rules framed by the Govt. of India.

A) The details of salaries paid to Chairman & Managing Director/ MD & CEO and Executive Directors during the year 2016-17 are as under:

Sr. No. Name Designation Amount (in Rs.)

1 Shri Sushil Muhnot Chairman & Managing Director

14,72,063.10

2 Shri R.P. Marathe Managing Director & CEO

13,45,074.32

3 Shri R. Athmaram Executive Director 14,73,216.22

4 Shri R.K. Gupta Executive Director 24,46,118.68

5 Shri A.C. Rout* Executive Director Nil

*Shri A.C. Rout was appointed as the Executive Director of the Bank w.e.f 31.03.2017

B) No Performance linked Incentive was paid to the Directors during the Financial Year 2016-17:

C) The Bank does not have any stock options policy.

The total Sitting Fee paid to the Non-Executive Directors during the year 2016-17 is as under: (No sitting fee is payable to Whole Time Directors and Director representing Government of India and official Director representing Reserve Bank of India).

Sr. No. Name of the Director Amount Paid ( Rs.)01 Shri. R.L. Saydiwal 1,50,00002 Shri. Sanjeev Jain 1,60,00003 Shri P. A Sethi 6,50,00004 Shri R. Thamodharan 3,70,00005 Dr. Archana R. Dholakia 4,30,00006 Shri Deendayal Agrawal 3,50,000

Total 21,10,000

Besides this sitting fees of Rs.10,000/- each is paid to External experts i.e. Mrs. S.A. Panse, Mrs. Asha Bhandarkar & Mrs. Gitika Kapoor for attending the meeting of Steering Committee of the Board on HR held on 16.04.2016, 12.09.2016 and 08.12.2016 respectively.

5. ¢›¸™½©¸ˆÅ¸ÊˆÅ¸œ¸¸¢£ª¢Ÿ¸ˆÅ ¤¸ÿˆÅ Å¸‚¢ž¸©¸¸¬¸›¸¤¸ÿ¢ˆ¿ÅŠ¸¢¨¸¢›¸¡¸Ÿ¸›¸‚¢š¸¢›¸¡¸Ÿ¸1949,¤¸ÿ¢ˆ¿ÅŠ¸ ¿Åœ¸›¸ú]¸(„œ¸ÇÅŸ¸¸Ê

ˆÅ¸‚¢š¸ŠÏíµ¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸ 1970‚¸¾£ £¸«’ïú¡¸ˆ¼Å÷¸ ¤¸ÿˆÅ (œÏ¤¸¿š¸›¸‚¸¾£ ¢¨¸¢¨¸š¸ œÏ¸¨¸š¸¸›¸) ¡¸¸½]¸›¸¸,1970ˆ½Å‚š¸ú›¸í¸½÷¸¸í¾— ¤¸ÿˆÅ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ¸ÊˆÅ¸½ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸¢›¸š¸¸Ä¢£÷¸¢¬¸¢’¿Š¸ûÅú¬¸‚¸¾£¨¸¸¬÷¸¢¨¸ˆÅ¡¸¸°¸¸‰¸\¸ÄˆÅ¸½Ž¸½”õˆÅ£¢ˆÅ¬¸úœÏˆÅ¸£ˆÅ¸œ¸¸¢£ª¢Ÿ¸ˆÅ›¸íú¿™½÷¸¸í¾—

ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸¢¨¸¢›¸¢™Ä«’¢›¸¡¸Ÿ¸¸Êˆ½Å‚›¸º¬¸¸£‚š¡¸®¸¨¸œÏ¤¸¿š¸¢›¸™½©¸ˆÅ/‡Ÿ¸”ú‡¨¸¿¬¸úƒÄ‚¸½‚¸¾£™¸½ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ¸Ê(3œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ¢›¸™½©¸ˆÅ¸Ê)ˆÅ¸½¨¸½÷¸›¸ˆ½ÅŸ¸¸š¡¸Ÿ¸¬¸½œ¸¸¢£ª¢Ÿ¸ˆÅˆÅ¸ž¸ºŠ¸÷¸¸›¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾—

ˆÅ) ¨¸«¸Ä 2016-17 ˆ½Å ™¸¾£¸›¸ ‚š¡¸®¸ ¨¸ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ/ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ‚¸¾£ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ¸ÊˆÅ¸½‚™¸¢ˆÅ‡Š¸‡¨¸½÷¸›¸ˆÅ¸¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾

ÇÅŸ¸¸¿ˆÅ ›¸¸Ÿ¸ œ¸™›¸¸Ÿ¸ £¸¢©¸(²Å)

1 ªú¬¸º©¸ú¥¸Ÿ¸ºí›¸¸½÷¸ ‚š¡¸®¸¨¸œÏ¤¸¿š¸¢›¸™½©¸ˆÅ 14,72,063.10

2 ªú‚¸£.œ¸ú.Ÿ¸£¸“½ œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½ 13,45,074.32

3 ªú‚¸£.‚¸÷Ÿ¸¸£¸Ÿ¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ 14,73,216.22

4 ªú‚¸£.ˆ½Å.Š¸ºœ÷¸¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ 24,46,118.68

5 ªú‡.¬¸ú.£¸„÷¸* ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ ©¸»›¡¸

*ªú‡.¬¸ú.£¸„÷¸ˆÅ¸½31.03.2017¬¸½¤¸ÿˆÅˆÅ¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¢›¸™½©¸ˆÅ¢›¸¡¸ºÆ÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾—

‰¸) ¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅ¸ÊˆÅ¸½ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸¬¸½]¸º”úœÏ¸½÷¬¸¸í›¸£¸¢©¸ˆÅ¸ž¸ºŠ¸÷¸¸›¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸.

Š¸) ¤¸ÿˆÅˆÅúˆÅ¸½ƒÄ¬’¸ÁˆÅ¢¨¸ˆÅ¥œ¸›¸ú¢÷¸›¸íú¿í¾.

¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ¸ÊˆÅ¸½ œÏ™î¸ˆºÅ¥¸ ¢¬¸¢’¿Š¸ûÅú¬¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À(œ¸»µ¸ÄˆÅ¸¢¥¸ˆÅ¢›¸™½©¸ˆÅ¸Ê÷¸˜¸¸ž¸¸£÷¸¬¸£ˆÅ¸£ˆ½ÅœÏ¢÷¸¢›¸¢š¸¢›¸™½©¸ˆÅ‚¸¾£ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅˆÅ¸ œÏ¢÷¸¢›¸¢š¸÷¨¸ˆÅ£›¸½ ¨¸¸¥¸½‚¸¢š¸ˆÅ¸¢£ˆÅ ¢›¸™½©¸ˆÅˆÅ¸½ˆÅ¸½ƒÄ¢¬¸¢’¿Š¸ûÅú¬¸™½¡¸›¸íú¿í¾)—

‚›¸º.ÇÅ ¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ œÏ™î¸£¸¢©¸(²Å.)

1 ªú‚¸£.‡¥¸.¬¸¸¡¸™ú¨¸¸¥¸ 1,50,000

2 ªú¬¸¿]¸ú¨¸]¸¾›¸ 1,60,000

3 ªúœ¸ú.‡.¬¸½“ú 6,50,000

4 ªú‚¸£.÷¸¸Ÿ¸¸½š¸£µ¸ 3,70,000

5 ªúŸ¸÷¸ú‚\¸Ä›¸¸‚¸£.š¸¸½¥¸¢ˆÅ¡¸¸ 4,30,000

6 ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸ 3,50,000

ˆºÅ¥¸ 21,10,000

ƒ¬¸ˆ½Å‚¥¸¸¨¸¸ÇÅŸ¸©¸À¢™›¸¸¿ˆÅ16.04.2016,12.09.2016‚¸¾£08.12.2016ˆÅ¸½Ÿ¸¸›¸¨¸¬¸¿¬¸¸š¸›¸œ¸£¢›¸™½©¸ˆÅŸ¸¿”¥¸ Åú¬’ú¡¸¢£¿Š¸¬¸¢Ÿ¸¢÷¸ Åú¤¸¾“ˆÅŸ¸Ê¬¸íž¸¸¢Š¸÷¸¸í½÷¸º¤¸¸à¸¢¨¸©¸½«¸±¸ªúŸ¸÷¸ú‡¬¸.‡.œ¸¸›¸¬¸½,ªúŸ¸÷¸ú‚¸©¸¸ž¸¿”¸£ˆÅ£‚¸¾£ªúŸ¸÷¸ú¢Š¸¢÷¸ˆÅ¸ ˆÅœ¸»£ ˆÅ¸½ œÏ¢÷¸ ¨¡¸¢Æ÷¸³Å.10,000/- ¤¸¾“ˆÅ©¸º¥ˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê ž¸ºŠ¸÷¸¸›¸¢ˆÅ¡¸¸Š¸¡¸¸.


44

6. General Body Meetings:

6.1 Details of General Body Meetings of shareholders held during the last three years are given below:

Nature Date & Time

Venue Purpose

Eleventh Annual General Meeting

At 10.30 a.m. on 26h June 2014

Appasaheb Joag Hall, Bank of Maharashtra, Lokmangal, 1501, Shivajinagar, Pune-411 005.

i) Adoption of audited Annual accounts for the year 2013-14, confirmation of Interim Dividend for the year 2013-14.ii) Approval for issue of equity share capital on preferential basis to Government of India by conversion of PNCPS held by Govt of India, preferential issue of equity shares to LIC of India ( Special Resolution).iii) Election of one shareholder director.

Twelfth Annual General Meeting

At 10.30 a.m. on 29th June 2015


i) Adoption of audited Annual accounts for the year 2014-15 and declaration of dividend for the year 2014-15.ii) To raise capital through FPO/ Rights/ QIP etc., (Special Resolution).iii) Election of one Shareholder director.

Extra Ordinary General Meeting

At 10.30 a.m. on 06th October, 2015


i) Approval for issue of equity shares on preferential basis to Government of India by (Special Resolution).

Thirteenth Annual General Meeting

At 10.00 a. on 29th June, 2016


i) Adoption of audited Annual accounts for the year 2015-16.ii) To raise capital through FPO/ Right issue/ QIP etc., (Special Resolution).

6. ¬¸¨¸Ä¬¸¸š¸¸£µ¸¤¸¾“ˆÊÅÀ6.1 ¢œ¸Ž¥¸½÷¸ú›¸¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸¡¸¸½¢]¸÷¸¤¸ÿˆÅˆ½Å©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú¬¸¨¸Ä¬¸¸š¸¸£µ¸

¤¸¾“ˆÅ¸Êˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ

œÏˆÅ¸£ ¢™›¸¸¿ˆÅ¨¸¬¸Ÿ¸¡¸ ¬˜¸¸›¸ „Ó½©¡¸Š¡¸¸£í¨¸ú¿ ¨¸¸¢«¸ÄˆÅ¬¸¸š¸¸£µ¸¤¸¾“ˆÅ

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(i) ¨¸«¸Ä 2013-2014ˆ½Å¢¥¸‡¥¸½‰¸¸œ¸£ú¢®¸÷¸ ¨¸¸¢«¸ÄˆÅ¥¸½‰¸¸Ê ˆÅ¸½ ‚œ¸›¸¸›¸¸‚¸¾£ ¨¸«¸Ä 2013-2014 ˆ½Å ¢¥¸‡‚¿÷¸¢£Ÿ¸ ¥¸¸ž¸¸¿©¸ ˆÅúœ¸º¦«’(ii)ž¸¸£÷¸ ¬¸£ˆÅ¸£×¸£¸ ‚¸¡¸¸½¢]¸÷¸œ¸ú‡›¸¬¸úœ¸ú‡¬¸ ˆ½Å³Åœ¸¸¿÷¸£µ¸ ‚¸¾£‡¥¸‚¸ƒÄ¬¸ú ˆÅ¸½ƒ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆ½Å‚¢š¸Ÿ¸¸›¡¸ Ÿ¸¸Ÿ¸¥¸¸Ê×¸£¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ˆÅ¸½ƒÄ¦Æ¨¸’ú©¸½¡¸£¸Êˆ½Å‚¢š¸Ÿ¸¸›¸‚¸¤¸¿’›¸ˆÅ¸½‚›¸ºŸ¸¸½™›¸ (¢¨¸©¸½«¸œÏ¬÷¸¸¨¸).(iii)‡ˆÅ©¸½¡¸£š¸¸£ˆÅ¢›¸™½©¸ˆÅˆÅ¸\¸º›¸¸¨¸

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i)¨¸«¸Ä2014-15ˆ½Å¢¥¸‡ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸¨¸¸¢«¸ÄˆÅ ¥¸½‰¸¸Ê ˆÅ¸½‚œ¸›¸¸›¸¸ ‚¸¾£ ¨¸«¸Ä2014-15 ˆ½Å¥¸¸ž¸¸¿©¸ˆÅú‹¸¸½«¸µ¸¸ii) ‡ûÅœ¸ú‚¸½/‚¢š¸ˆÅ¸£/Æ¡¸»‚¸ƒÄœ¸ú‚¸¢™ ×¸£¸ œ¸»¿]¸ú¤¸[õ¸›¸½ ˆ½Å ¢¥¸‡(¢¨¸©¸½«¸œÏ¬÷¸¸¨¸)iii)‡ˆÅ©¸½¡¸£š¸¸£ˆÅ¢›¸™½©¸ˆÅˆÅ¸¢›¸¨¸¸Ä\¸›¸

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i)ž¸¸£÷¸¬¸£ˆÅ¸£ˆÅ¸½ƒÄ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆ½Å‚¢š¸Ÿ¸¸›¸‚¸¤¸¿’›¸ˆÅ¸½¢¨¸©¸½«¸ ¬¸¿ˆÅ¥œ¸ ×¸£¸‚›¸ºŸ¸¸½™›¸

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i)¨¸«¸Ä2015-16ˆ½Å¢¥¸‡ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸¨¸¸¢«¸ÄˆÅ ¥¸½‰¸¸Ê ˆÅ¸½‚œ¸›¸¸›¸¸ii)‡ûÅœ¸ú‚¸½/‚¢š¸ˆÅ¸£/Æ¡¸»‚¸ƒÄœ¸úƒ÷¡¸¸¢™¬¸½œ¸»¿]¸ú„ž¸¸£›¸¸(¢¨¸©¸½«¸œÏ¬÷¸¸¨¸).

45


6.2 In the Thirteenth Annual General Meeting held on 29.06.2016, following Special Resolution was passed:

a. To raise capital through FPO/ Rights issue/ QIP etc., upto Rs. 1,000/- Crore.

6.3 No special Resolution was passed through Postal Ballot during the financial year 2016-17.

6.4 The Ministry of Finance, Government of India had sent an authorized representative of President of India, to attend the General Meetings of the Bank from time to time.

7. Disclosures:7.1 Other than those in the normal course of banking business,

the Bank has not entered into any materially significant related party transactions with its Promoters / Directors, Management, their subsidiaries, or relatives, etc. that may have potential conflict with the interests of the Bank at large. Bank has adopted the policy on Related Party Transactions and Determination of Material subsidiaries and same are available on Bank’s website i.e. www.bankofmaharashtra.in.

7.2 During the year under review, the Bank has complied with all requirements regarding capital market related matters and no penalties were imposed nor were any strictures passed against the Bank by Regulatory authorities, viz. SEBI, Stock Exchanges or any other statutory authorities for non-compliance of any law, guidelines and directives or any matter related to Capital Market during last three years except the penalty imposed by the BSE Ltd and National Stock Exchange of India Ltd., vide their communication dated 06th/05th October, 2015 to the tune of Rs.1,42,000/- for non-appointment of Woman Director. However, Woman Director was appointed by the Central Government w.e.f 28.01.2016.

7.3 The Management Discussion and Analysis forms part of the Board of Directors’ Report.

7.4 Compliance with the provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The Bank has complied with all the mandatory requirements of provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 to the extent applicable and has also taken steps to comply with other non-mandatory requirements.

a) Following mandatory requirements are complied with:

i. CEO/CFO Certification as per provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the Managing Director and Chief Executive Officer & General Manager FM&A (Chief Financial Officer) of the Bank have certified to the Board that the financial statements do not contain an materially untrue statement or omit any material fact or contains statement that might be misleading and that the statements together present a true and fair view of the Bank’s affairs and are in compliance with existing Accounting Standards, applicable Laws and Regulations. The certificate forms part of the Annual Report.

ii. There is no materially significant Related Party Transaction that has potential conflict with interests of the Bank at large. The Related Party Transactions are disclosed in the Notes on Accounts in compliance with RBI Guidelines in this regard.

iii Whistle Blower policy is made a part of the Fraud Risk Management Policy approved by the Board.

iv The Bank’s policy on Related Party transaction is posted on Bank’s website i.e. www.bankofmaharashtra.in. The details of related party transactions are mentioned under AS-18.

v. Code of Conduct for Directors and Senior Management is posted on Bank’s website i.e. www.bankofmaharashtra.in.

6.2 ¢™›¸¸¿ˆÅ29.06.2016ˆÅ¸½¬¸¿œ¸››¸÷¸½£í¨¸ú¿¬¸¸š¸¸£µ¸¨¸¸¢«¸ÄˆÅ¬¸¸š¸¸£µ¸‚¸Ÿ¸¬¸ž¸¸Ÿ¸Ê¢›¸Ÿ›¸¢¥¸¢‰¸÷¸œÏ¬÷¸¸¨¸œ¸¸¢£÷¸íº‡.

ˆÅ. ³Å.1000/-ˆÅ£¸½”õ÷¸ˆÅ‡ûÅœ¸ú‚¸½/‚¢š¸ˆÅ¸£/Æ¡¸»‚¸ƒÄœ¸úƒ÷¡¸¸¢™¬¸½œ¸»¿]¸ú„ž¸¸£›¸¸.

6.3 ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17ˆ½Å™¸¾£¸›¸”¸ˆÅŸ¸÷¸œ¸°¸ˆ½Å×¸£¸ˆÅ¸½ƒÄ¢¨¸©¸½«¸¬¸¿ˆÅ¥œ¸]¸¸£ú›¸íú¿ˆÅ£›¸¸.

6.4 ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸, ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸½ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ž¸¸£÷¸ ˆ½Å £¸«’ïœ¸¢÷¸ ˆÅ¸ ‡ˆÅœÏ¸¢š¸ˆ¼Å÷¸œÏ¢÷¸¢›¸¢š¸¬¸¸š¸¸£µ¸‚¸Ÿ¸¬¸ž¸¸Ÿ¸Êž¸¸Š¸¥¸½›¸½ˆ½Å¢¥¸‡ž¸½]¸¸.

7. œÏˆÅ’úˆÅ£µ¸7.1 ¬¸¸Ÿ¸¸›¡¸¤¸ÿ¢ˆ¿ÅŠ¸ ½Å™¸¾£¸›¸í¸½›¸½ ¸¸¥¸½ ¡¸¨¸í¸£¸Ê Å¸½Ž¸½”õˆÅ£¤¸ÿˆÅ ½ÅœÏ¨¸÷¸ÄˆÅ¸Ê/¢›¸™½©¸ˆÅ¸Ê,

œÏ¤¸¿š¸›¸,¤¸ÿˆÅˆÅú¬¸í¸¡¸ˆÅˆ¿Åœ¸¢›¸¡¸¸Ê,‚˜¸¨¸¸¢£©÷¸½™¸£¸Êƒ÷¡¸¸¢™ˆ½Å¬¸¸˜¸‡½¬¸¸ˆÅ¸½ƒÄ„¥¥¸½‰¸›¸ú¡¸ ¬¸¿¤¸Ö ¬¸¿¨¡¸¨¸í¸£ ›¸íú¿ ˜¸¸ ¢]¸¬¸ˆÅ¸ ¤¸ÿˆÅ ˆ½Å ¢í÷¸¸Ê ¬¸½ ˆÅ¸½ƒÄ œÏž¸¸¨¸úœÏ÷¡¸®¸ ’ˆÅ£¸¨¸ íº‚¸ í¸½. ¬¸¿¤¸¿¢š¸÷¸ œ¸¸’úÄ ¥¸½›¸™½›¸ ÷¸˜¸¸ ¬¸¸Ÿ¸ŠÏú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸¢›¸¡¸¸Êˆ½Å ¢›¸š¸¸Ä£µ¸ œ¸£ ¤¸ÿˆÅ ×¸£¸ ›¸ú¢÷¸‚œ¸›¸¸¡¸ú Š¸¡¸ú í¾ ÷¸˜¸¸ ¡¸í ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒÄ’À www.bankofmaharashtra.inœ¸£ „œ¸¥¸¤š¸ í¾.

7.2 ¬¸Ÿ¸ú®¸¸š¸ú›¸¨¸«¸Äˆ½Å™¸¾£¸›¸¤¸ÿˆÅ›¸½œ¸»¿]¸ú¤¸¸]¸¸£¬¸½¬¸¿¤¸¿¢š¸÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸ÊˆÅ¸½œ¸»£¸¢ˆÅ¡¸¸. ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê ›¸¸Ÿ¸÷¸À ¬¸½¤¸ú, ¬’¸ÁˆÅ ‡Æ¬¸\¸Ê]¸ ‚¸¾£ ‚›¡¸ ¢¨¸¢š¸ˆÅ œÏ¸¢š¸ˆÅ¸£ú ×¸£¸ ¢ˆÅ¬¸ú ˆÅ¸›¸»›¸, ¢™©¸¸¢›¸™½©¸ ‚¸¾£ ¢›¸™½©¸¸Ê ¡¸¸ œ¸»¿]¸ú ¤¸¸]¸¸£ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ›¸ ˆÅ£›¸½ œ¸£, ¤¸ÿˆÅ œ¸£ ¢œ¸Ž¥¸½ ÷¸ú›¸ ¨¸«¸¸½ô ˆ½Å ™¸¾£¸›¸ Ÿ¸¢í¥¸¸ ¢›¸™½©¸ˆÅ ˆÅú Š¸¾£-¢›¸¡¸º¢Æ÷¸ ˆ½Å ¢¥¸‡ Ÿ¸º¿¤¸ƒÄ¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸(¤¸ú‡¬¸ƒÄ)‚¸¾£›¸½©¸›¸¥¸¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸‚¸ÁûÅƒ¿¢”¡¸¸¢¥¸.(‡›¸‡¬¸ƒÄ) ×¸£¸ „›¸ˆ½Å ¬¸¿œÏ½«¸µ¸ ¢™›¸¸¿ˆÅ06/05 ‚Æ÷¸»¤¸£,2015ˆ½Å ‚›¸º¬¸¸£ ³Å.1,42,000/- ˆÅú š¸›¸£¸¢©¸ ˆ½Å ‚¥¸¸¨¸¸ ˆÅ¸½ƒÄ ™¿” ¡¸¸ œÏ¢÷¸¤¸¿š¸ ›¸íú¿ ¥¸Š¸¸¡¸¸ Š¸¡¸¸. ÷¸˜¸¸¢œ¸ ˆÊÅÍ ¬¸£ˆÅ¸£ ×¸£¸ ¢™.28.01.2016¬¸½ Ÿ¸¢í¥¸¸ ¢›¸™½©¸ˆÅ ˆÅú ¢›¸¡¸º¢Æ÷¸ ˆÅú Š¸¡¸ú ˜¸ú.

7.3 œÏ¤¸¿š¸›¸\¸\¸¸Ä‚¸¾£ ¢¨¸©¥¸½«¸µ¸ ¢›¸™½©¸ˆÅ¸ÊˆÅú¢£œ¸¸½’Ä ˆ½Å‚¿Š¸ í¾.7.4 ¬¸½¤¸ú (¢¥¸¦¬’¿Š¸‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿‚¸¾£ œÏˆÅ’›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸ 2015 ˆ½Å

œÏ¸¨¸š¸¸›¸¸ÊˆÅ¸‚›¸ºœ¸¸¥¸›¸.

¤¸ÿˆÅ ›¸½ ¢]¸¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ¥¸¸Š¸» í¾, „¬¸ ¬¸úŸ¸¸ ÷¸ˆÅ ¬¸½¤¸ú ˆÅú ¬¸ž¸ú ‚¢›¸¨¸¸¡¸Ä‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê (¢¥¸¦¬’¿Š¸‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿‚¸¾£ œÏˆÅ’›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸2015ˆ½ÅœÏ¸¨¸š¸¸›¸¸ÊˆÅ¸‚›¸ºœ¸¸¥¸›¸¢ˆÅ¡¸¸í¾‚¸¾£Š¸¾£-‚¢›¸¨¸¸¡¸Ä‚¸¨¸©¡¸ˆÅ÷¸¸‚¸ÊˆÅ¸œ¸¸¥¸›¸ˆÅ£›¸½í½÷¸ºˆÅ™Ÿ¸„“¸‡.

ˆÅ) ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸‚¢›¸¨¸¸¡¸Ä‚¸¨¸©¡¸ˆÅ÷¸¸‚¸ÊˆÅ¸‚›¸ºœ¸¸¥¸›¸¢ˆÅ¡¸¸Š¸¡¸¸-

i. ¬¸½¤¸ú œÏ¨¸¸š¸¸›¸¸Ê (¢¥¸¦¬’¿Š¸ ‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿ ‚¸¾£ œÏˆÅ’›¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸2015ˆ½ÅœÏ¸¨¸š¸¸›¸¸Êˆ½Å‚›¸º¬¸¸£¬¸úƒÄ‚¸½/¬¸ú‡ûÅ‚¸½œÏŸ¸¸µ¸›¸,¤¸ÿˆÅˆ½ÅœÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿Ÿ¸º‰¡¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ‚¢š¸ˆÅ¸£ú‡¨¸¿Ÿ¸í¸œÏ¤¸¿š¸ˆÅ-¢¨¸î¸ú¡¸œÏ¤¸¿š¸›¸¨¸¥¸½‰¸¸(Ÿ¸º‰¡¸¢¨¸î¸ú¡¸‚¢š¸ˆÅ¸£ú) ›¸½ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸½ œÏŸ¸¸¢µ¸÷¸ ¢ˆÅ¡¸¸ í¾ ¢ˆÅ ¤¸ÿˆÅ ˆ½Å ¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊŸ¸ÊˆÅ¸½ƒÄ‚¨¸¸¬÷¸¢¨¸ˆÅˆÅ˜¸›¸›¸íú¿í¾‚˜¸¨¸¸ˆÅ¸½ƒÄŸ¸í÷¨¸œ¸»µ¸Ä]¸¸›¸ˆÅ¸£úŽ¸½”ú›¸íú¿Š¸ƒÄí¾¢ˆÅ¤¸ÿˆÅˆ½Å¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊŸ¸ÊˆÅ¸½ƒÄ‚¨¸¸¬÷¸¢¨¸ˆÅˆÅ˜¸›¸›¸íú¿í¾‚˜¸¨¸¸ˆÅ¸½ƒÄžÏ¸Ÿ¸ˆÅ¢¨¸¨¸£µ¸›¸íú¿¢™¡¸¸Š¸¡¸¸í¾.¬¸ž¸ú¢¨¸¨¸£µ¸¢Ÿ¸¥¸ˆÅ£¤¸ÿˆÅˆ½ÅˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸ÊˆÅ¸¬¸íú‚¸¾£¨¸¸¬÷¸¢¨¸ˆÅ¤¡¸¸½£¸œÏ¬÷¸º÷¸ˆÅ£÷¸½íÿ‚¸¾£¨¸÷¸ÄŸ¸¸›¸¥¸½‰¸¸Ÿ¸¸›¸ˆÅ¸Ê,¥¸¸Š¸»ˆÅ¸›¸»›¸‚¸¾£¢¨¸¢›¸¡¸Ÿ¸¸¨¸¢¥¸¡¸¸ÊˆÅ¸‚›¸ºœ¸¸¥¸›¸¢¬¸ÖˆÅ£÷¸½íÿ.œÏŸ¸¸µ¸œ¸°¸¨¸¸¢«¸ÄˆÅ¢£œ¸¸½’ÄˆÅ¸‚¿Š¸ íÿ. ¤¸ÿˆÅ ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅ¸‚¸¾£ Ÿ¸¸¾]¸»™¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê, ¥¸¸Š¸» ˆÅ¸›¸»›¸¸Ê ‚¸¾£¢¨¸¢›¸¡¸Ÿ¸¸Êˆ½Å‚›¸ºœ¸¸¥¸›¸Ÿ¸Êíÿ—œÏŸ¸¸µ¸œ¸°¸¨¸¸¢«¸ÄˆÅ¢£œ¸¸½’ÄˆÅ¸¢í¬¬¸¸í¾

ii ‡½¬¸¸ˆÅ¸½ƒÄŸ¸í÷¨¸œ¸»µ¸Ä¬¸¿¤¸¿¢š¸÷¸œ¸¸’úÄ¬¸¿¨¡¸¨¸í¸£›¸íú¿í¾¢]¸¬¸¬¸½¤¸ÿˆÅˆ½Å¢í÷¸¸Êˆ½Å¬¸¸˜¸¤¸”õ½ œ¸¾Ÿ¸¸›¸½ œ¸£ ¬¸¿ž¸¸¢¨¸÷¸ ’ˆÅ£¸¨¸ í¸½. ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê‚¸£¤¸ú‚¸ƒÄ ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å‚›¸ºœ¸¸¥¸›¸Ÿ¸Ê‰¸¸÷¸¸Êœ¸£›¸¸½’Ã¬¸Ÿ¸Ê¬¸¿¤¸¿¢š¸÷¸œ¸¸’úÄ¬¸¿¨¡¸¨¸í¸£¸ÊˆÅ¸œÏˆÅ’›¸¢ˆÅ¡¸¸í¾.

iii ¦¨í¢¬¸¥¸¤¥¸¸½‚£œ¸¸Á¢¥¸¬¸úˆÅ¸½š¸¸½‰¸¸š¸”õú]¸¸½¢‰¸Ÿ¸œÏ¤¸¿š¸›¸›¸ú¢÷¸ˆÅ¸ž¸¸Š¸¤¸›¸¸¡¸¸Š¸¡¸¸í¾,¢]¸¬¸ˆÅ¸‚›¸ºŸ¸¸½™›¸¢›¸™½©¸ˆÅŸ¸¿”¥¸×¸£¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

iv ¬¸¿¤¸¿¢š¸÷¸ œ¸¸’úÄ ¬¸¿¨¡¸¨¸í¸£ œ¸£ ¤¸ÿˆÅ ˆÅú ›¸ú¢÷¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ www.bankofmaharashtra.inœ¸£œ¸¸½¬’ ÅúŠ¸ƒÄí¾.¬¸¿¤¸¿¢š¸÷¸œ¸¸’úÄ¬¸¿¨¡¸¨¸í¸£¸Êˆ½Å¢¨¸¨¸£µ¸ˆÅ¸„¥¥¸½‰¸‡‡¬¸-18ˆ½Å‚¿÷¸Š¸Ä÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

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46

vi. At present, the Bank does not have any material subsidiary.

vii Training of Board members:

Sr. No. Name of Director Particulars of Program/

Training/Venue

Period No. of Hours spent

1 Dr. Archana R. Dholakia

Seminar on Banking Technology organized by IDRBT at Hyderabad

26.09.2016 to 27.09.2016

12

2 Shri Deendayal Agrawal

Boards of C o m m e r c i a l b a n k s organized by CAFRAL at Bangalore.

29.11.2016 to 30.11.2016

12

3 Shri P.A. Sethi Boards of C o m m e r c i a l b a n k s organized by CAFRAL at Bangalore.

29.11.2016 to 30.11.2016

12

4 Shri Deendayal Agrawal

I n t e r a c t i o n meeting of CA directors by IMI at Delhi.

12.01.2017 6

The Certificate issued by Statutory Central Auditors (SCAs) in respect of compliance with the provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 to the extent applicable forms part of the Annual Report.

b) Following non-mandatory requirements are complied with:

Sr. No.

Non-mandatory Requirements

Status of compliance

A. The BoardA non-executive chairperson may be entitled to maintain a chairperson’s office at the listed entity’s expense and also allowed reimbursement of expenses incurred in performance of his duties.

The composition of the Board of Directors of the Bank is governed through “Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, where all the Directors are appointed / nominated by Government of India except Directors to be elected from amongst Shareholders other than Central Government u/s 9(3)(i) of the Act.

B. Shareholder RightsA half-yearly declaration of financial performance including summary of the significant events in last six-months, may be sent to each household of shareholders.

The quarterly/year to date/ Annual Financial Results are submitted to NSE & BSE & published in Newspapers and placed on Bank’s website. As such, information to Shareholders is not sent individually.

C. Modified opinion(s) in audit reportThe listed entity may move towards a regime of financial statements with unmodified audit opinion.

There is no qualification in the Auditors report of the Bank.

vi. ¨¸÷¸ÄŸ¸¸›¸Ÿ¸Ê, ¤¸ÿˆÅˆÅúˆÅ¸½ƒÄ¬¸í¸¡¸ˆÅˆ¿Åœ¸›¸ú‚¦¬÷¸÷¨¸Ÿ¸Ê›¸íú¿í¾.vii ¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆ½Å¬¸™¬¡¸¸ÊˆÅ¸œÏ¢©¸®¸µ¸À

‚›¸º.ÇÅ. ¢›¸™½©¸ˆÅˆÅ¸›¸¸Ÿ¸ œÏ¢©¸®¸µ¸ /¬˜¸¸›¸/ˆÅ¸¡¸ÄÇÅŸ¸ˆÅú]¸¸›¸ˆÅ¸£ú

‚¨¸¢š¸ ¨¡¸¢÷¸÷¸ ¢ˆÅ‡Š¸‡‹¸¿’½

1 ªúŸ¸÷¸ú‚\¸Ä›¸¸‚¸£.[¸½¥¸¢ˆÅ¡¸¸

‚¸ƒÄ”ú‚¸£¤¸ú’ú,í¾™£¸¤¸¸™×¸£¸¤¸ÿ¢ˆ¿ÅŠ¸÷¸ˆÅ›¸úˆÅœ¸£¬¸ŸŸ¸½¥¸›¸

26.09.2016¬¸½27.09.2016

12

2 ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸

¤¸ÊŠ¸¥¸º³ÅŸ¸Ê¬¸ú‡‡ûÅ‚¸£‡‡¥¸×¸£¸‚¸¡¸¸½¢]¸÷¸¨¸¸¢µ¸¦]¡¸ˆÅ¤¸ÿˆÅ¸Êˆ½Å¤¸¸½”Ä

29.11.2016 ¬¸½30.11.2016

12

3 ªúœ¸ú.‡.¬¸½“ú ¤¸ÊŠ¸¥¸º³ÅŸ¸Ê¬¸ú‡‡ûÅ‚¸£‡‡¥¸×¸£¸‚¸¡¸¸½¢]¸÷¸¨¸¸¢µ¸¦]¡¸ˆÅ¤¸ÿˆÅ¸Êˆ½Å¤¸¸½”Ä

29.11.2016 ¬¸½30.11.2016

12

4 ªú™ú›¸™¡¸¸¥¸‚ŠÏ¨¸¸¥¸

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¬¸½¤¸ú (¢¥¸¦¬’¿Š¸‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿‚¸¾£ œÏˆÅ’›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸ 2015 ˆ½ÅœÏ¸¨¸š¸¸›¸¸½¿ˆ½Å‚›¸ºœ¸¸¥¸›¸¬¸¿¤¸¿š¸Ÿ¸Ê¬¸¸¿¢¨¸¢š¸ˆÅ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê(‡¬¸¬¸ú‡)×¸£¸¥¸¸Š¸»¬¸úŸ¸¸÷¸ˆÅ]¸¸£úœÏŸ¸¸µ¸œ¸°¸¨¸¸¢«¸ÄˆÅ¢£œ¸¸½’ÄˆÅ¸‚¿Š¸íÿ.

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‡ˆÅ Š¸¾£-ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ‚š¡¸®¸¬¸»\¸ú¤¸Ö ƒˆÅ¸ƒÄ ˆ½Å ‰¸\¸Ä œ¸£‚š¡¸®¸ˆ½ÅˆÅ¸¡¸¸Ä¥¸¡¸ˆ½Å£‰¸£‰¸¸¨¸ˆÅ¸ œ¸¸°¸ í¸½ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£ „¬¸½„¬¸ˆ½Å ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¢›¸«œ¸¸™›¸ í½÷¸º„œ¸Š¸÷¸ ¨¡¸¡¸ˆÅú œÏ¢÷¸œ¸»¢÷¸Ä ˆÅú ž¸ú‚›¸ºŸ¸¢÷¸™ú]¸¸¬¸ˆÅ÷¸úí¾.

¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸Š¸“›¸ ¤¸ÿ¢ˆÅŠ¸ ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸Êˆ½Å ‚¢š¸ŠÏíµ¸ ‚¸¾£ ‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸1970ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½¢›¸¡¸¿¢°¸÷¸í¸½÷¸¸í¾¢]¸¬¸Ÿ¸Ê¢ˆÅ¬¸ž¸ú¢›¸™½©¸ˆÅ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å 9 (3)(i)ˆ½Å‚¿÷¸Š¸Ä÷¸ˆÊÅÍ¬¸£ˆÅ¸£ˆ½Å‚¢÷¸¢£Æ÷¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê Ÿ¸Ê ¬¸½\¸¡¸¢›¸÷¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ž¸¸£÷¸ ¬¸£ˆÅ¸£ ×¸£¸ ¢›¸¡¸ºÆ÷¸/›¸¸¢Ÿ¸÷¸¢›¸™½©¸ˆÅí¸½÷¸½íÿ.

‰¸. ©¸½¡¸£š¸¸£ˆÅ‚¢š¸ˆÅ¸£œÏ÷¡¸½ˆÅ©¸½¡¸£š¸¸£ˆÅˆÅ¸½¢œ¸Ž¥¸½Ž:Ÿ¸¸í ˆÅú Ÿ¸í÷¨¸œ¸»µ¸Ä ‹¸’›¸¸‚¸Ê ˆ½Å¬¸¸£ ¬¸¢í÷¸ ¢¨¸î¸ú¡¸ ¢›¸«œ¸¸™›¸ ˆÅú‚š¸Ä¨¸¸¢«¸ÄˆÅ‹¸¸½«¸µ¸¸ž¸½]¸ú]¸¸‡.

¢÷¸Ÿ¸¸íú / ˆ½Å ¢™›¸¸¿ˆÅ ÷¸ˆÅ /¨¸¸¢«¸ÄˆÅ¢¨¸î¸ú¡¸œ¸¢£µ¸¸Ÿ¸‡›¸‡¬¸ƒÄ‚¸¾£ ¤¸ú‡¬¸ƒÄ ˆÅ¸½ œÏ¬÷¸º÷¸ ¢ˆÅ‡]¸¸÷¸½ íÿ ‚¸¾£ ¬¸Ÿ¸¸\¸¸£œ¸°¸¸Ê Ÿ¸ÊœÏˆÅ¸¢©¸÷¸ í¸½÷¸½ íÿ ‚¸¾£ ¤¸ÿˆÅ ˆÅú¨¸½¤¸¬¸¸ƒ’ œ¸£ £‰¸½ ]¸¸÷¸½ íÿ—ƒ¬¸úœÏˆÅ¸£, ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½]¸¸›¸ˆÅ¸£ú¨¡¸¢Æ÷¸Š¸÷¸³Åœ¸¬¸½›¸íú¿ž¸½]¸ú]¸¸÷¸úí¾—

Š¸. ¥¸½‰¸¸-œ¸£ú®¸¸ ¢£œ¸¸½’Ä Ÿ¸Ê ¬¸¿©¸¸½¢š¸÷¸´¦«’ˆÅ¸½µ¸¬¸»\¸ú¤¸Ö ƒˆÅ¸ƒÄ ‚¬¸¿©¸¸½¢š¸÷¸¥¸½‰¸¸œ¸£ú®¸¸ ´¦«’ˆÅ¸½µ¸ ˆ½Å ¬¸¸˜¸¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¨¡¸¨¸¬˜¸¸ ˆÅú‚¸½£‚¿÷¸¢£÷¸ˆÅ£¬¸ˆÅ÷¸½íÿ.

¤¸ÿˆÅˆÅú¥¸½‰¸¸œ¸£ú®¸ˆÅ¸ÊˆÅú¢£œ¸¸½’ÄŸ¸ÊˆÅ¸½ƒÄ‚íÄ÷¸¸›¸íú¿í¾

47


D. Separate posts of chairperson and chief executive officerThe listed entity may appoint separate persons to the post of chairperson and managing director or chief executive officer.

The composition of the Board of Directors of the Bank is governed through “Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, where all the Directors are appointed / nominated by Government of India except Directors to be elected from amongst Shareholders other than Central Government u/s 9(3) (i) of the Act.

E. Reporting of Internal auditorThe internal auditor may report directly to the audit committee.

The Internal Audit function / its terms of reference and composition of the Audit Committee of the Board & its terms of reference are governed through the guidelines / circulars issued by the Regulator i.e. Reserve Bank of India from time to time, which the Bank comply.

8. Means of Communication: The quarterly, half yearly and annual financial results of

the Bank are duly approved by the Board and published in at least one national Daily in English and one local daily in Marathi. In addition to the statutory requirement as above Bank has also published the results in Hindi Daily. The results are simultaneously displayed on the Bank’s website www.bankofmaharashtra.in and submitted to the Stock Exchanges. Bank also organizes Analysts/Institutional Investor meets, press conference/releases etc., for announcing bank’s financial results and its future plans.

During the year, quarterly /half yearly /annual results of the Bank were published in the following newspapers.

Period Ended Name of the Newspaper Date of publicationMarathi English

June 2016 Punyanagari Business Line 13.08.2016

September 2016 Punyanagari Business Standard 07.11.2016

December 2016 Loksatta Financial Express 01.02.2017

March 2017 Lokmat Financial Express 05.05.2017

9. General Shareholder Information:9.1 Particulars of the Fourteenth Annual General Meeting:

Board Meeting for considering Accounts 04th May, 2017

Date, Time and Venue of Fourteenth AGM.

At 10.45 am on Friday, the 16th June, 2017 at Appasaheb Joag Hall, Bank of Maharashtra, Lokmangal, 1501, Shivajinagar, Pune - 411 005

Posting of Annual Report 25th May, 2017

Dates of Book Closure 10th June, 2017 to 16th June, 2017

‹¸. ‚š¡¸®¸ ¨¸ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ‚¢š¸ˆÅ¸£úˆ½Å¢¨¸¢©¸«’œ¸™¬¸»\¸ú¤¸Ö ƒˆÅ¸ƒÄ ‚š¡¸®¸ ¨¸ œÏ¤¸¿š¸¢›¸™½©¸ˆÅ ¡¸¸ Ÿ¸º‰¡¸ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ‚¢š¸ˆÅ¸£ú ½Å¢¥¸‡¢¨¸¢©¸«’ ¡¸¢Æ÷¸ˆÅú¢›¸¡¸º¢Æ÷¸ˆÅ£¬¸ˆÅ÷¸úí¾.

¤¸ÿˆÅ ˆ½Å ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆÅ¸Š¸“›¸ ¤¸ÿ¢ˆÅŠ¸ ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸Êˆ½Å ‚¢š¸ŠÏíµ¸ ‚¸¾£ ‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸1970ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½¢›¸¡¸¿¢°¸÷¸í¸½÷¸¸í¾¢]¸¬¸Ÿ¸Ê¢ˆÅ¬¸ž¸ú¢›¸™½©¸ˆÅ ‚¢š¸¢›¸¡¸Ÿ¸ ˆ½Å 9 (3)(i)ˆ½Å‚¿÷¸Š¸Ä÷¸ˆÊÅÍ¬¸£ˆÅ¸£ˆ½Å‚¢÷¸¢£Æ÷¸ ©¸½¡¸£š¸¸£ˆÅ¸Ê Ÿ¸Ê ¬¸½\¸¡¸¢›¸÷¸ ¢›¸™½©¸ˆÅ¸Ê ˆÅ¸½ Ž¸½”õˆÅ£ž¸¸£÷¸ ¬¸£ˆÅ¸£ ×¸£¸ ¢›¸¡¸ºÆ÷¸/›¸¸¢Ÿ¸÷¸¢›¸™½©¸ˆÅí¸½÷¸½íÿ.

”. ‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸-œ¸£ú®¸ˆÅ ˆÅú¢£œ¸¸½¢’ôŠ¸‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆÅ¸½¬¸úš¸½¢£œ¸¸½’ÄˆÅ£¬¸ˆÅ÷¸½íÿ.

‚¸¿÷¸¢£ˆÅ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅ¸¡¸Ä/ƒ¬¸ˆÅú ¬¸¿™ž¸¸Äš¸ú›¸ ©¸÷¸½ô ÷¸˜¸¸¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¥¸½‰¸¸ œ¸£ú®¸¸¬¢Ÿ¸¢÷¸ ˆÅ¸ Š¸“›¸ ¨¸ ƒ¬¸ˆÅú¬¸¿™ž¸¸Äš¸ú›¸ ©¸÷¸½ô ¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ‚˜¸¸Ä÷¸ ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ×¸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ ]¸¸£ú¢™©¸¸¢›¸™½Ä©¸¸Ê/œ¸¢£œ¸°¸¸Ê ½ÅŸ¸¸š¡¸Ÿ¸¬¸½¢›¸¡¸¿¢°¸÷¸í¸½÷¸úíÿ,¢]¸›¸ˆÅ¸¤¸ÿˆÅ‚›¸ºœ¸¸¥¸›¸ˆÅ£÷¸¸í¾.

8. ¬¸¿œÏ½«¸µ¸ˆ½Å¬¸¸š¸›¸ ¤¸ÿˆÅ ½Å¢÷¸Ÿ¸¸íú,‚š¸Ä-¨¸¸¢«¸ÄˆÅ‚¸¾£ ¸¸¢«¸ÄˆÅ¢¨¸î¸ú¡¸œ¸¢£µ¸¸Ÿ¸¸Ê Å¸½¢›¸™½©¸ˆÅŸ¸¿”¥¸×¸£¸

¢¨¸¢š¸¨¸÷¸‚›¸ºŸ¸¸½¢™÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾÷¸˜¸¸‚¿ŠÏ½]¸úŸ¸ÊˆÅŸ¸¬¸½ˆÅŸ¸‡ˆÅ£¸«’ïú¡¸™¾¢›¸ˆÅ÷¸˜¸¸Ÿ¸£¸“úŸ¸Ê‡ˆÅ¬˜¸¸›¸ú¡¸™¾¢›¸ˆÅŸ¸ÊœÏˆÅ¸¢©¸÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.„œ¸¡¸ºÄÆ÷¸¬¸¸¿¢¨¸¢š¸ˆÅ‚¸¨¸©¡¸ˆÅ÷¸¸ˆ½Å‚¥¸¸¨¸¸¤¸ÿˆÅ×¸£¸¢¨¸î¸ú¡¸œ¸¢£µ¸¸Ÿ¸¢í›™ú™¾¢›¸ˆÅŸ¸Êž¸úœÏˆÅ¸¢©¸÷¸¢ˆÅ‡ Š¸‡. œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒÄ’www.bankofmaharashtra.inœ¸£ž¸ú¬¸¸˜¸-¬¸¸˜¸íú„œ¸¥¸¤š¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾‚¸¾£©¸½¡¸£¤¸¸]¸¸£ˆÅ¸½œÏ¬÷¸º÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.¤¸ÿˆÅˆ½Å¢¨¸î¸ú¡¸œ¸¢£µ¸¸Ÿ¸¸Ê‚¸¾£ž¸¸¨¸ú¡¸¸½]¸›¸¸‚¸ÊˆÅú‹¸¸½«¸µ¸¸ˆÅ£›¸½ˆ½Å¢¥¸‡¤¸ÿˆÅ ¢¨¸©¥¸½«¸ˆÅ/¬¸¿¬˜¸¸Š¸÷¸ ¢›¸¨¸½©¸ˆÅ¬¸ŸŸ¸½¥¸›¸, œÏ½¬¸ ¢¨¸±¸¦œ÷¸/ˆÅ¸Á›üÊÅ¬¸ƒ÷¡¸¸¢™ž¸ú‚¸¡¸¸½¢]¸÷¸ˆÅ£÷¸¸í¾.

¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ¢÷¸Ÿ¸¸íú/‚š¸Ä-¨¸¸¢«¸ÄˆÅ/¨¸¸¢«¸ÄˆÅ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸½ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸¬¸Ÿ¸¸\¸¸£œ¸°¸¸ÊŸ¸ÊœÏˆÅ¸¢©¸÷¸¢ˆÅ¡¸¸Š¸¡¸¸.

ˆÅ¸½¬¸Ÿ¸¸œ÷¸‚¨¸¢š¸ ¬¸Ÿ¸¸\¸¸£œ¸°¸ˆÅ¸›¸¸Ÿ¸œÏˆÅ¸©¸›¸ˆÅú¢÷¸¢˜¸

Ÿ¸£¸“ú ‚¿ŠÏ½]¸ú]¸»›¸2016 œ¸ºµ¡¸›¸Š¸£ú ¢¤¸]¸›¸½¬¸¥¸¸ƒ›¸ 13.08.2016¢¬¸÷¸¿¤¸£2016 œ¸ºµ¡¸›¸Š¸£ú ¢¤¸]¸›¸½¬¸¬’¾›””Ä 07.11.2016¢™¬¸¿¤¸£2016 ¥¸¸½ˆÅ¬¸î¸¸ ûÅ¸ƒ›¸¸¿¢©¸¡¸¥¸‡Æ¬œÏ½¬¸ 01.02.2017Ÿ¸¸\¸Ä2017 ¥¸¸½ˆÅŸ¸÷¸ ûÅ¸ƒ›¸¸¿¢©¸¡¸¥¸‡Æ¬œÏ½¬¸ 05.05.2017

9. ¬¸¸Ÿ¸¸›¡¸©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸¤¡¸¸¾£¸À9.1 \¸¸¾™í¨¸ú¿¨¸¸¢«¸ÄˆÅ¬¸¸š¸¸£µ¸¤¸¾“ˆÅˆ½Å¢¨¸¨¸£µ¸À

¥¸½‰¸¸ œ¸£ ¢¨¸\¸¸£ í½÷¸º ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ˆÅú¤¸¾“ˆÅ

¢™›¸¸¿ˆÅ04Ÿ¸ƒÄ2017

\¸¸¾™í¨¸ú¿ ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ˆÅ¸¬˜¸¸›¸,¢™›¸¸¿ˆÅ‚¸¾£¬¸Ÿ¸¡¸

©¸ºÇÅ¨¸¸£ ¢™›¸¸¿ˆÅ 16 ]¸»›¸ 2017 ˆÅ¸½œÏ¸÷¸À10.45¤¸]¸½,‚œœ¸¸¬¸¸í½¤¸]¸¸½Š¸í¸Á¥¸,¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ï,¥¸¸½ˆÅŸ¸¿Š¸¥¸,1501,¢©¸¨¸¸]¸ú›¸Š¸£œ¸ºµ¸½Ÿ¸Ê.

¨¸¸¢«¸ÄˆÅ¢£œ¸¸½’ÄˆÅ¸œÏ½«¸µ¸ 25Ÿ¸ƒÄ2017¤¸¢í¡¸¸Êˆ½Å¤¸¿™í¸½›¸½ˆÅ¸¢™›¸¸¿ˆÅ 10]¸»›¸2017¬¸½16]¸»›¸2017


48

9.2 ¢¨¸î¸ú¡¸ˆ¾Å¥¸Ê”£2017-18(‚›¸¿¢÷¸Ÿ¸)

¢›¸Ÿ›¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ‚¨¸¢š¸ ˆ½Å ¢¥¸‡¢÷¸Ÿ¸¸íú ¢¨¸î¸ú¡¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅ¸‚›¸ºŸ¸¸½™›¸

‚›¸¿¢÷¸Ÿ¸¬¸Ÿ¸¡¸

30]¸»›¸,2017 14‚Š¸¬÷¸2017ˆÅ¸½¡¸¸ƒ¬¸¬¸½œ¸»¨¸Ä30¢¬¸÷¸¿¤¸£,2017 14›¸¨¸¿¤¸£2017ˆÅ¸½¡¸¸ƒ¬¸¬¸½œ¸»¨¸Ä31¢™¬¸¿¤¸£,2017 14ûÅ£¨¸£ú2018ˆÅ¸½¡¸¸ƒ¬¸¬¸½œ¸»¨¸Ä31Ÿ¸¸\¸Ä,2018(¨¸¸¢«¸ÄˆÅ) 18Ÿ¸ƒÄ2018ˆÅ¸½¡¸¸ƒ¬¸¬¸½œ¸»¨¸Ä

9.3 ¬’¸ÁˆÅ‡Æ¬¸\¸½]¸¸Êœ¸£¬¸»\¸ú¤¸Ö©¸½¡¸£¸Êˆ½Å¤¡¸¸½£½À ¤¸ÿˆÅˆ½Å©¸½¡¸£¢›¸Ÿ›¸¢¥¸¢‰¸÷¸¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸¸Êœ¸£¬¸»\¸ú¤¸Ö¢ˆÅ‡Š¸‡íÿÀ

¤¸ú‡¬¸ƒÄ¢¥¸¢Ÿ¸’½”œ¸÷¸¸À¢ûÅ£¸½]¸]¸ú]¸úž¸¸¡¸’¸Á¨¸¬¸Ä,™¥¸¸¥¸¬’ïú’,Ÿ¸º¿¤¸ƒÄ-400001

›¸½©¸›¸¥¸¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸‚¸ÁûÅƒ¿¢”¡¸¸¢¥¸¢Ÿ¸’½”,œ¸÷¸¸À ‡Æ¬¸\¸Ê]¸ œ¥¸¸]¸¸, œ¥¸¸Á’ ÇÅ.¬¸ú/1,]¸ú¤¥¸¸ÁˆÅ,¤¸¸¿Í¸(œ¸»¨¸Ä),Ÿ¸º¿¤¸ƒÄ-400051

9.4 ¬’¸ÁˆÅˆÅ¸½”À Ÿ¸º¿¤¸ƒÄ¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸¢¥¸¢Ÿ¸’½”(¤¸ú‡¬¸ƒÄ)À532525

›¸½©¸›¸¥¸ ¬’¸ÁˆÅ ‡Æ¬¸\¸Ê]¸ ‚¸ÁûÅ ƒ¿¢”¡¸¸ ¢¥¸¢Ÿ¸’½” (‡›¸‡¬¸ƒÄ) À MAHABANK EQ

‚¿÷¸£¸Ä«’ïú¡¸¬¸º£®¸¸œ¸í\¸¸›¸ÇÅŸ¸¸¿ˆÅ(‚¸ƒÄ‡¬¸‚¸ƒÄ‡›¸)ÀINE457A01014

¬’¸ÁˆÅ‡Æ¬¸\¸Ê]¸¸Ê ˆÅ¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2016-17í½÷¸º ¨¸¸¢«¸ÄˆÅ ¬¸»\¸ú¤¸Ö÷¸¸©¸º¥ˆÅ ˆÅ¸ž¸ºŠ¸÷¸¸›¸¢ˆÅ¡¸¸]¸¸\¸ºˆÅ¸í¾.

9.5 ¤¸¸]¸¸£Ÿ¸»¥¡¸”¸’¸/¤¸ÿˆÅˆ½Å©¸½¡¸£¸ÊˆÅ¸Ÿ¸»¥¡¸¢›¸«œ¸¸™›¸À- (¤¸¸]¸¸£Ÿ¸»¥¡¸”¸’¸²Åœ¸‡Ÿ¸Ê÷¸˜¸¸Ÿ¸¸°¸¸©¸½¡¸£¸ÊˆÅú¬¸¿‰¡¸¸Ÿ¸Ê)

Ÿ¸¸í¤¸ú‡¬¸ƒÄ ‡›¸‡¬¸ƒÄ ¬¸Ê¬¸½Æ¬¸

„\\¸ ›¡¸»›¸ Ÿ¸¸°¸¸ „\\¸ ›¡¸»›¸ Ÿ¸¸°¸¸ „\\¸ ›¡¸»›¸‚œÏ¾¥¸,2016 31.00 28.75 325758 30.90 28.95 1627545 26101 24523

Ÿ¸ƒÄ,2016 31.80 27.50 338383 31.25 27.40 1782473 26837 25058

]¸»›¸,2016 34.85 27.50 1296991 34.90 27.40 5834263 27105 25911

]¸º¥¸¸ƒÄ,2016 37.40 32.35 1157103 37.40 32.40 5531133 28240 27034

‚Š¸¬÷¸,2016 32.85 30.05 519597 32.90 30.15 1991710 28532 27628

¢¬¸÷¸¿¤¸£,2016 34.15 29.00 607437 34.2 29.80 2318488 29077 27717

‚Æ÷¸»¤¸£,2016 31.95 30.00 322042 31.70 29.80 1452178 28478 27548

›¸¨¸¿¤¸£,2016 32.50 25.00 783809 32.45 23.20 3676595 28030 25718

¢™¬¸¿¤¸£,2016 31.50 28.10 328145 32.00 28.10 1512759 26769 25754

]¸›¸¨¸£ú,2017 33.70 28.40 747005 33.60 28.50 2917208 27980 26447

ûÅ£¨¸£ú,2017 38.70 32.10 2297775 38.70 31.30 11798581 29065 27590

Ÿ¸¸\¸Ä,2017 35.90 32.15 1180370 35.95 32.15 7839558 29688 28716

9.6 œÏ¢÷¸©¸½¡¸£”¸’¸

¢¨¸¨¸£µ¸ 31.03.2016 31.03.2017‚¿¢ˆÅ÷¸Ÿ¸»¥¡¸(²Å.) 10/- 10/-

œÏ¢÷¸©¸½¡¸£‚¸¡¸(²Å.) 0.91 (11.75)

¥¸¸ž¸¸¿©¸(%) ©¸»›¡¸ ©¸»›¡¸

¤¸íúŸ¸»¥¡¸(²Å.) 63.36 46.96

¥¸¸ž¸¸¿©¸ œ¸½-‚¸„’ ¢›¸¨¸¥¸¥¸¸ž¸ ˆ½Å œÏ¢÷¸©¸÷¸ ˆ½Å³Åœ¸Ÿ¸Ê(¥¸¸ž¸¸¿©¸ˆÅ£ˆÅ¸½Ž¸½”õˆÅ£)

©¸»›¡¸ ©¸»›¡¸

9.2 Financial Calendar 2017-18 (Tentative):

Approval of Quarterly Results for period ending

Tentative Time

30th June 2017 On or Before 14th August 201730th September 2017 On or Before 14th November

201731st December 2017 On or Before 14th February 201831st March 2018 (Annual) On or Before 18th May 2018

9.3 Details of listing of shares on Stock Exchanges: The Bank’s shares are listed on following Stock Exchanges:

BSE Limited

Address: Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400001

National Stock Exchange of India Limited Address: Exchange Plaza, Plot No. C/1, G Block, Bandra (E), Mumbai - 400051

9.4 Stock code: BSE Limited (BSE): 532525 National Stock Exchange of India Limited (NSE):

MAHABANK EQ International Security Identification Number (ISIN):

INE457A01014 The annual listing fees for the financial year 2016-17 has been

paid to the Stock Exchanges.

9.5 Market Price data / price performance of Bank’s Shares: (Market Price data in Rupees and Volume in number of

Shares):

MonthBSE NSE SENSEX

High Low Volume High Low Volume High Low

April, 2016 31.00 28.75 325758 30.90 28.95 1627545 26101 24523

May, 2016 31.80 27.50 338383 31.25 27.40 1782473 26837 25058

June, 2016 34.85 27.50 1296991 34.90 27.40 5834263 27105 25911

July, 2016 37.40 32.35 1157103 37.40 32.40 5531133 28240 27034

August, 2016 32.85 30.05 519597 32.90 30.15 1991710 28532 27628

September, 2016 34.15 29.00 607437 34.2 29.80 2318488 29077 27717

October, 2016 31.95 30.00 322042 31.70 29.80 1452178 28478 27548

November, 2016 32.50 25.00 783809 32.45 23.20 3676595 28030 25718

December, 2016 31.50 28.10 328145 32.00 28.10 1512759 26769 25754

January, 2017 33.70 28.40 747005 33.60 28.50 2917208 27980 26447

February, 2017 38.70 32.10 2297775 38.70 31.30 11798581 29065 27590

March, 2017 35.90 32.15 1180370 35.95 32.15 7839558 29688 28716

9.6 Per Share Data:

Particulars 31.03.2016 31.03.2017Face Value (Rs.) 10/- 10/-EPS (Rs.) 0.91 (11.75)Dividend (%) Nil NilBook Value (Rs.) 63.36 46.96Dividend Payout (excluding dividend tax) as % of net profit

Nil Nil

49


9.7 ƒÄ©¡¸»ˆ½Å£¢]¸¬’ï¸£‚¸¾£©¸½¡¸£‚¿÷¸£µ¸‡]¸Ê’ˆÅ¸¤¡¸¸¾£¸ ‡Ÿ¸¬¸ú‡¬¸ ©¸½¡¸£ ’ï¸¿¬¸ûÅ£ ‡]¸Ê’ ¢¥¸¢Ÿ¸’½”, (ƒˆÅ¸ƒÄÀ ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï),

ˆÅ¸¡¸¸Ä¥¸¡¸ÇÅ.002,÷¸¥¸Ÿ¸¿¢]¸¥¸,ˆÅ¸©¸ú£¸Ÿ¸]¸Ÿ¸›¸¸™¸¬¸¢¤¸¦¥”¿Š¸,5,œ¸ú.¢”Ÿ¸½¥¸¸½£¸½”,(‹¸¢”õ¡¸¸¥¸Š¸¸½™ú),Ÿ¸¦¬]¸™(œ¸»¨¸Ä),Ÿ¸º¿¤¸ƒÄ -400009

9.8 ©¸½¡¸£‚¿÷¸£µ¸œÏµ¸¸¥¸ú‚¸¾£¢›¸¨¸½©¸ˆÅ¸Ê‡¨¸¿©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½¬¸í¸¡¸÷¸¸ Ÿ¸½¬¸¬¸Ä ‡Ÿ¸¬¸ú‡¬¸ ©¸½¡¸£ ’ï¸¿¬¸ûÅ£ ‡]¸Ê’ ¢¥¸¢Ÿ¸’½”, Ÿ¸º¿¤¸ƒÄ, ¤¸ÿˆÅ ˆ½Å £¢]¸¬’ï¸£ ‡¨¸¿

’ï¸¿¬¸ûÅ£‡]¸Ê’(‚¸£’ú‡)ˆÅ¸¡¸¸Ä¥¸¡¸Ÿ¸Ê©¸½¡¸£‚¿÷¸£µ¸‚¸¾£‚›¡¸¬¸ž¸ú¢›¸¨¸½©¸ˆÅ¬¸¿¤¸¿š¸úŸ¸¸Ÿ¸¥¸¸ÊˆÅú™½‰¸£½‰¸‚¸¾£ˆÅ¸¡¸Ä¨¸¸¢í¡¸¸¿ˆÅú]¸¸÷¸úíÿ.©¸½¡¸£š¸¸£ˆÅ,]¸¸½‚œ¸›¸½©¸½¡¸£ž¸¸¾¢÷¸ˆÅ³Åœ¸ Ÿ¸Ê£‰¸÷¸½íÿ, ¨¸½„›¸ˆ½Å‚¿÷¸£µ¸ ¢¨¸¥¸½‰¸‚¸¾£‚›¡¸ˆÅ¸Š¸]¸¸÷¸,¢©¸ˆÅ¸¡¸÷¸Ê ‡¨¸Ÿ¸Ã ‚¬¸º¢¨¸š¸¸‚¸Ê ˆÅ¸½ £¢]¸¬’ï¸£ ‡¨¸¿ ’ï¸›¬¸ûÅ£ ‡]¸Ê’ ˆÅ¸½ ‚˜¸¨¸¸¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ œ¸÷¸¸Ê œ¸£ ¤¸ÿˆÅ ˆ½Å ¢›¸¨¸½©¸ˆÅ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ Ÿ¸Ê ™]¸Ä ˆÅ£¸ ¬¸ˆÅ÷¸½ íÿ À

£¢]¸¬’ï¸£‡¨¸¿’ï¸›¬ûÅ£‡]¸Ê’ ¢›¸¨¸½©¸ˆÅ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸

‡Ÿ¸¬¸ú‡¬¸ ©¸½¡¸£ ’ï¸¿¬¸ûÅ£ ‡]¸Ê’ ¢¥¸¢Ÿ¸’½”(ƒˆÅ¸ƒÄ À ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï) ‚¸¢ûÅ¬¸ ÇÅŸ¸¸¿ˆÅ 002÷¸¥¸ Ÿ¸¿¢]¸¥¸, ˆÅ¸©¸ú£¸Ÿ¸ ]¸Ÿ¸›¸¸™¸¬¸ ¢¤¸¦¥”¿Š¸5, œ¸ú ¢”Ÿ¸½¥¸¸½ £¸½”,(‹¸¢”õ¡¸¸¥¸ Š¸¸½™ú)Ÿ¸¦¬]¸™ (œ¸»¨¸Ä) Ÿ¸º¿¤¸ƒÄ - 400009’½¥¸úûÅ¸½›¸À (022) - 40206022 /23/24û¾ÅÆ¬¸À(022) - 40206021ƒÄ-Ÿ¸½¥¸ À [email protected]

¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï¢›¸¨¸½©¸ˆÅ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸¥¸¸½ˆÅŸ¸¿Š¸¥¸,1501, ¢©¸¨¸¸]¸ú›¸Š¸£œ¸ºµ¸½ - 411 005ûÅ¸½›¸ À(020)25511360û¾ÅÆ¬¸À(020)25533246ƒÄŸ¸½¥¸ À [email protected]

¤¸ÿˆÅ×¸£¸]¸¸£ú¤¸¸Áµ”¸Êˆ½Å’ï¦¬’¡¸¸ÊˆÅ¸¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À

¢”¤¸Ê\¸£’ï¬’úˆÅ¸›¸¸Ÿ¸

‡¢Æ¬¸¬¸’ï¬’ú¬¸¢¨¸Ä¬¸½¬¸¢¥¸.

œ¸÷¸¸ ‡¢Æ¬¸¬¸í¸„¬¸,÷¸¥¸Ÿ¸¿¢]¸¥¸,¨¸¸¢”¡¸¸ƒ¿’£›¸¾©¸›¸¥¸¬¸½¿’£,œ¸¸¿”º£¿Š¸¤¸ºš¸ˆÅ£Ÿ¸¸Š¸Ä,¨¸£¥¸ú,Ÿ¸º¿¤¸ƒÄ-400025.

ûÅ¸½›¸ÇÅ. 020-62260054/50ƒÄ-Ÿ¸½¥¸ [email protected]

9.9 ©¸½¡¸£š¸¸¢£÷¸¸ˆÅ¸¢¨¸÷¸£µ¸ 31.03.2017ˆÅ¸½©¸½¡¸£š¸¸¢£÷¸¸ˆÅ¸¢¨¸÷¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À

©¸½¡¸£¸ÊˆÅú¬¸¿‰¡¸¸

©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú¬¸¿‰¡¸¸

ˆºÅ¥¸ˆÅ¸%

©¸½¡¸£¸ÊˆÅú¬¸¿‰¡¸¸ ˆºÅ¥¸ˆÅ¸%

500÷¸ˆÅ 157730 91.24 2,11,54,841 1.81501-1000 8540 4.94 70,14,121 0.591001-2000 3746 2.17 56,89,774 0.482001-3000 987 0.57 25,30,026 0.223001-4000 479 0.28 17,24,822 0.144001-5000 382 0.22 18,04,993 0.155001-10000 528 0.30 39,16,121 0.3710000*¬¸½‚¢š¸ˆÅ

477 0.28 112,44,99,010 96.24

ˆºÅ¥¸ 172869 100.00 116,83,33,708 100.00(*ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸š¸¸¢£÷¸95,35,24,561©¸½¡¸£¸ÊˆÅ¸¬¸Ÿ¸¸¨¸½©¸í¾)

9.7 Details of Registrar to an issue and Share Transfer Agents: MCS Share Transfer Agent Limited, (Unit: Bank of Maharashtra)

Office No. 002, Ground Floor, Kashiram Jamnadas Bldg, 5, P.D’ Mello Road, (Ghadiyal Godi), Masjid (E), Mumbai – 400 009.

9.8 Share Transfer System and assistance to the Investors and Shareholders:

Share transfer and all other investor related matters are attended to and processed at the office of the Bank’s Registrar and Transfer Agents (RTA), M/s. MCS Share Transfer Agent Limited, Mumbai. The shareholders, who hold their shares in physical forms, may lodge their transfer deeds and any other documents, grievances and complaints to the RTA or alternatively to Investor Services Department of the Bank at the following addresses:

Registrar & Transfer Agent: Investor Services Department:MCS Share Transfer Agent Limited, (Unit: Bank of Maharashtra) Office No. 002, Ground Floor, Kashiram Jamnadas Bldg, 5, P.D’ Mello Road, (Ghadiyal Godi), Masjid (E) Mumbai – 400 009. Tel: (022) 40206022/23/24 Fax:(022) 40206021Email: [email protected]

Bank of Maharashtra,Investor Services DepartmentLokmangal, 1501, ShivajinagarPune 411 005Tel: (020) 25511360 Fax (020) 25533246Email:[email protected]

The details of the Trustee for the bonds issued by the Bank are as under.

Name of the debenture trustee

Axis Trustee Services Ltd

Address Axis House, Ground Floor,Wadia International Centre, Pandurang Budhkar Marg,WorliMumbai – 400 025

Phone Number 022- 62260054/50E -mail debenturetrustee@axistrustee.

com

9.9 Distribution of shareholding: The distribution of shareholding, as on 31.03.2017 is as under:

No. of Shares No. of Shareholders % to total No. of shares % to total

Up to 500 157730 91.24 2,11,54,841 1.81

501 -1000 8540 4.94 70,14,121 0.59

1001-2000 3746 2.17 56,89,774 0.48

2001-3000 987 0.57 25,30,026 0.22

3001-4000 479 0.28 17,24,822 0.14

4001-5000 382 0.22 18,04,993 0.15

5001-10000 528 0.30 39,16,121 0.37

Above 10000* 477 0.28 112,44,99,010 96.24

Total 172869 100.00 116,83,33,708 100.00

[* Includes 95,35,24,561 shares held by the Government of India ]


50

9.10 Dematerialisation of shares: Shares of the Bank are traded compulsorily in Demat form

only. The Bank has entered into agreements with both the Depositories viz. National Securities Depository Limited (NSDL) and Central Depository Services (India) Limited (CDSL) for dematerialization of the Bank’s shares. The ISIN code allotted to the Bank’s Equity Shares is INE457A01014. The Annual Custody fees for the year 2016-17 have been paid to the depositories as per SEBI guidelines.

Particulars of shares held by the shareholders as on 31.03.2017 are as under:

CategoryNo. of shareholders No. of shares

Number of shareholders

PercentageNumber of

sharesPercentage

Physical 47489 27.47 6913727 0.59Demat:

NSDL

CDSL*

Sub-total

8820537175

125380

51.0221.5172.53

192572038968847943

1161419981

16.4882.9399.41

Total 172869 100.00 1168333708 100.00

(* Including 95,35,24,561 shares held by the Government of India)

9.11 Outstanding Global depository receipts or American depository receipts or warrants or any convertible instruments, conversion date and likely impact on equity: Not applicable

9.12 Commodity price risk or foreign exchange risk and hedging activities:

Disclosure is provided in Schedule No. 18 - Notes to Accounts.

9.13 National Electronic Clearing Services (NECS): National Electronic Clearing Services (NECS) is a novel

method of payment of dividend/interest etc. where the amount due to the investor can be directly credited to his/ her Bank account. The Bank offers this service to its shareholders with an option to avail the facility for the direct credit of the dividend in their bank account. However, the Bank account of the shareholders should be in Centralized/Core Banking Solution (CBS) branch of the Bank.

The NECS mandate form is enclosed to the AGM Notice, which may be sent to the Registrar and Share Transfer Agent (RTA) by the shareholders, who are holding shares in physical form. Shareholders holding their shares in dematerialized form may contact their respective Depository Participants for updating their bank account details.

Shareholders maintaining account with the Bank are requested to provide to the Bank, CBS Bank account details to credit their accounts towards payment of dividend

9.14 Unpaid Dividends: The Shareholders who have not encashed the dividend

warrants for the financial years 2009-10, 2010-11, 2011-12, 2012-13, 2013-14 and 2014-15 may contact the Registrar / Bank on the above address for revalidation of the warrants and for necessary assistance for the payment thereof.

In terms of Section 10B of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and Financial Institutions Laws (Amendment) Act 2006, (which has come into force from 16.10.2006), any amount of dividend which is transferred to unpaid dividend account and remains unpaid / unclaimed for a period of seven years from the date of such transfer shall be transferred to “Investor Education and

9.10 ©¸½¡¸£¸ÊˆÅ¸”ú-Ÿ¸¾’úˆÅ£µ¸ ¤¸ÿˆÅ ˆ½Å©¸½¡¸£¸Ê ˆÅ¸‚¢›¸¨¸¸¡¸Ä ³Åœ¸ ¬¸½”ú-Ÿ¸¾’ ¬¨¸³Åœ¸ Ÿ¸Ê íú ÇÅ¡¸-¢¨¸ÇÅ¡¸í¸½÷¸¸ í¾.

¤¸ÿˆÅˆ½Å©¸½¡¸£¸Êˆ½Å”ú-Ÿ¸¾’úˆÅ£µ¸ˆ½Å¢¥¸‡¤¸ÿˆÅ›¸½™¸½›¸¸Ê¢”œ¸¸Á¢]¸’¢£¡¸¸Ê¡¸˜¸¸›¸¾©¸›¸¥¸¢¬¸Æ¡¸º¢£’ú]¸¢”œ¸¸Á¢]¸’£ú]¸¢¥¸.(‡›¸‡¬¸”ú‡¥¸)÷¸˜¸¸¬¸Ê’ï¥¸¢”œ¸¸Á¢]¸’£ú¬¸¢¨¸Ä¬¸½¬¸(ƒ¿¢”¡¸¸)¢¥¸.(¬¸ú”ú‡¬¸‡¥¸) ½Å¬¸¸˜¸¬¸Ÿ¸^¸¸¾÷¸½¢ˆÅ‡íÿ.¤¸ÿˆÅ ½Åƒ¦Æ¨¸’ú©¸½¡¸£¸Ê Å¸½‚¸¤¸¿¢’÷¸‚¸ƒÄ‡¬¸‚¸ƒÄ‡›¸ˆÅ¸½”INE457A01014í¾.¨¸«¸Ä2016-17ˆ½Å¢¥¸‡¨¸¸¢«¸ÄˆÅ‚¢ž¸£®¸¸ûÅú¬¸¬¸½¤¸ú¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢”œ¸¸¢]¸’£úˆÅ¸½ž¸ºŠ¸÷¸¸›¸ˆÅ£™úŠ¸ƒÄí¾.

31.03.2017ˆÅ¸½©¸½¡¸£š¸¸£ˆÅ¸Ê×¸£¸š¸¸¢£÷¸©¸½¡¸£¸Êˆ½Å¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ-

ª½µ¸ú ©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú¬¸¿‰¡¸¸ ©¸½¡¸£¸ÊˆÅú¬¸¿‰¡¸¸©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú¬¸¿‰¡¸¸

œÏ¢÷¸©¸÷¸ ©¸½¡¸£¸ÊˆÅú¬¸¿‰¡¸¸

œÏ¢÷¸©¸÷¸

ž¸¸¾¢÷¸ˆÅ³Åœ¸Ÿ¸Ê* 47489 27.47 6913727 0.59”úŸ¸¾’À‡›¸‡¬¸”ú‡¥¸ 88205 51.02 192572038 16.48

¬¸ú”ú‡¬¸‡¥¸* 37175 21.51 968847943 82.93

„œ¸]¸¸½”õ 125380 72.53 1161419981 99.41

ˆºÅ¥¸ 172869 100.00 1168333708 100.00 (*ž¸¸£÷¸¬¸£ˆÅ¸£×¸£¸š¸¸¢£÷¸95,35,24,561©¸½¡¸£¸Ê¬¸¢í÷¸)

9.11 ‚¸„’¬’ÿ¢”¿Š¸ Š¥¸¸½¤¸¥¸ ¢”œ¸¸Á¢]¸’£ú ¢£¬¸ú’ ¡¸¸ ‚Ÿ¸½¢£ˆÅ›¸ ¢”œ¸¸Á¢]¸’£ú¢£¬¸ú’ ¡¸¸ ¨¸¸£¿’ ¡¸¸ ˆÅ¸½ƒÄ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢¥¸‰¸÷¸, œ¸¢£¨¸÷¸Ä›¸ ¢™›¸¸¿ˆÅ ‚¸¾£ƒÄ¦Æ¨¸’úœ¸£¬¸¿ž¸¸¢¨¸÷¸œÏž¸¸¨¸À¥¸¸Š¸»›¸íú¿

9.12 œ¸µ¡¸Ÿ¸»¥¡¸]¸¸½¢‰¸Ÿ¸¡¸¸¢¨¸™½©¸úŸ¸ºÍ¸]¸¸½¢‰¸Ÿ¸‚¸¾£í½¢]¸¿Š¸Š¸¢÷¸¢¨¸¢š¸¡¸¸¿À ‰¸¸÷¸¸½¿œ¸£¢’œœ¸¢µ¸¡¸¸¿-‚›¸º¬¸»\¸ú18Ÿ¸½¿¢¨¸Š¸¸½œ¸›¸„œ¸¥¸¤š¸í¾.

9.13 £¸«’ïú¡¸ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ¬¸Ÿ¸¸©¸¸½š¸›¸¬¸½¨¸¸‡¿(‡›¸ƒÄ¬¸ú‡¬¸) ›¸¾©¸›¸¥¸ ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¬¸Ÿ¸¸©¸¸½š¸›¸ ¬¸½¨¸¸ (‡›¸ƒÄ¬¸ú‡¬¸) ¥¸¸ž¸¸¿©¸/¤¡¸¸]¸ ƒ÷¡¸¸¢™ ˆ½Å

ž¸ºŠ¸÷¸¸›¸ˆÅ£›¸½ˆÅú‚›¸»“úœÏµ¸¸¥¸úí¾,¢]¸¬¸ˆ½Å‚¿÷¸Š¸Ä÷¸¢›¸¨¸½©¸ˆÅˆÅ¸½™½¡¸£¸¢©¸¬¸úš¸½„¬¸ˆ½Å¤¸ÿˆÅ‰¸¸÷¸½Ÿ¸Ê]¸Ÿ¸¸ˆÅú]¸¸¬¸ˆÅ÷¸úí¾.¤¸ÿˆÅ‚œ¸›¸½©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½¬¸úš¸½‚œ¸›¸½‰¸¸÷¸½ Ÿ¸Ê ¥¸¸ž¸¸¿©¸]¸Ÿ¸¸ ˆÅ£¸›¸½ í½÷¸º ¡¸í¬¸º¢¨¸š¸¸¥¸½›¸½ ˆÅ¸ ¢¨¸ˆÅ¥œ¸ œÏ™¸›¸ ˆÅ£÷¸¸í¾.÷¸˜¸¸¢œ¸©¸½¡¸£š¸¸£ˆÅˆÅ¸‰¸¸÷¸¸ˆÊÅÍú¡¸ˆ¼Å÷¸/ˆÅ¸½£¤¸ÿ¢ˆ¿ÅŠ¸¬¸¸½¥¡¸º©¸›¸(¬¸ú¤¸ú‡¬¸)¨¸¸¥¸ú¤¸ÿˆÅ©¸¸‰¸¸Ÿ¸Êí¸½›¸¸\¸¸¢í‡.

‡›¸ƒÄ¬¸ú‡¬¸ ‚¢š¸™½©¸ ûÅ¸ÁŸ¸Ä ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ˆÅú ›¸¸½¢’¬¸ ˆ½Å ¬¸¸˜¸ ¬¸¿¥¸Š›¸í¾, ¢]¸¬¸½©¸½¡¸£š¸¸£ˆÅ¸Ê×¸£¸ž¸£ˆÅ£ž¸¸¾¢÷¸ˆÅ³Åœ¸Ÿ¸Ê©¸½¡¸£¸ÊˆÅ¸š¸¸£µ¸ˆÅ£›¸½ ¨¸¸¥¸½£¢]¸¬’ï¸£‚¸¾£©¸½¡¸£‚¿÷¸£µ¸‡]¸Ê’(‚¸£’ú‡)ˆÅ¸½ž¸½]¸¸]¸¸‡.¢”Ÿ¸’½¢£¡¸¥¸¸ƒ]”³Åœ¸Ÿ¸Ê©¸½¡¸£š¸¸£µ¸ˆÅ£›¸½¨¸¸¥¸½©¸½¡¸£š¸¸£ˆÅ¬¸¿¤¸¿¢š¸÷¸¢”œ¸¸Á¢]¸’£ú¬¸íž¸¸Š¸ú¬¸½„›¸ˆ½Å¤¸ÿˆÅ‰¸¸÷¸½¤¡¸¸¾£½‚Ô¸¢÷¸÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¬¸¿œ¸ˆÄÅˆÅ£Ê.

¤¸ÿˆÅŸ¸Ê‰¸¸÷¸¸£‰¸›¸½¨¸¸¥¸½©¸½¡¸£š¸¸£ˆÅ¸Ê¬¸½‚›¸º£¸½š¸í¾¢ˆÅ¨¸½¤¸ÿˆÅˆÅ¸½‚œ¸›¸½¬¸ú¤¸ú‡¬¸‰¸¸÷¸¸ÊˆÅ¸¢¨¸¨¸£µ¸¥¸¸ž¸¸¿©¸ˆÅ¸ž¸ºŠ¸÷¸¸›¸]¸Ÿ¸¸ˆÅ£›¸½í½÷¸º¬¸»¢\¸÷¸ˆÅ£Ê.

9.14 ‚™î¸¥¸¸ž¸¸¿©¸ ‡½¬¸½ ©¸½¡¸£š¸¸£ˆÅ ¢]¸›í¸Ê›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸¸½ô 2009-10, 2010-2011, 2011-12,

2012-13,2013-14‚¸¾£2014-15ˆ½Å¢¥¸‡¥¸¸ž¸¸¿©¸¨¸¸£¿’ˆÅ¸›¸ˆÅ™úˆÅ£µ¸›¸¢ˆÅ¡¸¸í¸½,¨¸½¨¸¸£¿’¸Êˆ½Åœ¸º›¸¨¸¾Äš¸úˆÅ£µ¸÷¸˜¸¸ƒ¬¸ˆ½Åž¸ºŠ¸÷¸¸›¸í½÷¸º‚¸¨¸©¡¸ˆÅ¬¸í¸¡¸÷¸¸ˆ½Å¢¥¸‡£¢]¸¬’ï¸£/¤¸ÿˆÅ¬¸½„Æ÷¸œ¸÷¸½œ¸£¬¸¿œ¸ˆÄÅˆÅ£¬¸ˆÅ÷¸½íÿ.

¤¸ÿ¢ˆ¿ÅŠ¸ ¿Åœ¸›¸ú(„œ¸ÇÅŸ¸¸Ê Å¸‚¢š¸ŠÏíµ¸‚¸¾£‚¿÷¸£µ¸)‚¢š¸¢›¸¡¸Ÿ¸1970 ½Å‰¸¿”10¤¸ú‚¸¾£¢¨¸î¸ú¡¸¬¸¿¬˜¸¸›¸¢¨¸¢š¸(¬¸¿©¸¸½š¸›¸)‚¢š¸¢›¸¡¸Ÿ¸2006(]¸¸½16.10.2006¬¸½œÏž¸¸¨¸úíº‚¸)ˆÅú©¸÷¸¸½ôˆ½Å‚›¸º¬¸¸£ ¥¸¸ž¸¸¿©¸ˆÅúˆÅ¸½ƒÄž¸ú£¸¢©¸]¸¸½‚™î¸¥¸¸ž¸¸¿©¸‰¸¸÷¸½Ÿ¸Ê‚¿÷¸¢£÷¸ˆÅúŠ¸ƒÄí¾‚¸¾£ƒ¬¸œÏˆÅ¸£ˆ½Å‚¿÷¸£µ¸ˆ½Å¢™›¸¸¿ˆÅ¬¸½¬¸¸÷¸¨¸«¸¸½ôˆÅú‚¨¸¢š¸ ½Å¢¥¸‡¢¤¸›¸¸ž¸ºŠ¸÷¸¸›¸¡¸¸¢¤¸›¸¸™¸¨¸½ ½Å‰¸¸÷¸½Ÿ¸Êœ¸”úí¾, Å¸½ ¿Åœ¸›¸ú‚¢š¸¢›¸¡¸Ÿ¸1956ˆÅúš¸¸£¸205¬¸ú(1)/ˆ¿Åœ¸›¸ú‚¢š¸¢›¸¡¸Ÿ¸,2013ˆÅúš¸¸£¸125ˆ½Å‚š¸ú›¸Š¸¢“÷¸``¢›¸¨¸½©¸ˆÅ¢©¸®¸¸÷¸˜¸¸¬¸¿£®¸µ¸¢›¸¢š¸’’(‚¸ƒÄƒÄœ¸ú‡ûÅ)Ÿ¸Ê‚¿÷¸¢£÷¸¢ˆÅ¡¸¸]¸¸‡Š¸¸‚¸¾£ƒ¬¸ˆ½Åœ¸ä¸¸÷¸¤¸ÿˆÅ¡¸¸‚¸ƒÄƒÄœ¸ú‡ûÅŸ¸Ê¥¸¸ž¸¸¿©¸ˆ½Åž¸ºŠ¸÷¸¸›¸í½÷¸ºˆÅ¸½ƒÄž¸ú™¸¨¸¸¥¸¿¢¤¸÷¸›¸íú¿í¸½›¸¸\¸¸¢í‡.

51


„Æ÷¸œÏ¸¨¸š¸¸›¸¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸Ê¢¨¸î¸ú¡¸¨¸«¸Ä2003-04,2004-05,2005-06,2006-07,2007-08‚¸¾£2008-09¬¸½‚™î¸/™¸¨¸¸›¸ˆÅúŠ¸ƒÄ¥¸¸ž¸¸¿©¸ˆÅú‡½¬¸ú¬¸ž¸ú£¸¢©¸¡¸¸ÊˆÅ¸½“¢›¸¨¸½©¸ˆÅ¢©¸®¸¸‡¨¸¿¬¸¿£®¸µ¸¢›¸¢š¸”Ÿ¸Ê‚¿÷¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸÷¸˜¸¸ ƒ¬¸ˆÅ¸ ¤¡¸¸¾£¸ ¤¸ÿˆÅ ˆ½Å ¨¸½¤¸¬¸¸ƒÄ’ Ÿ¸Ê œÏ™¢©¸Ä÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸í¾. ¨¸«¸Ä2009-10í½÷¸º™¸¨¸¸›¸¢ˆÅ¡¸¸Š¸¡¸¸/‚™î¸¥¸¸ž¸¸¿©¸¢›¸š¸¸Ä¢£÷¸¬¸úŸ¸¸ˆ½Åž¸ú÷¸£„Æ÷¸¢›¸¢š¸ˆÅ¸½‚¿÷¸¢£÷¸¢ˆÅ¡¸¸]¸¸‡Š¸¸.

9.15 ©¸½¡¸£š¸¸¢£÷¸¸ˆÅ¸¬¨¸³Åœ¸ ¢™›¸¸¿ˆÅ31.03.2017÷¸˜¸¸31.03.2016ˆÅ¸½¤¸ÿˆÅˆ½Å©¸½¡¸£¸ÊˆÅ¸©¸½¡¸£š¸¸¢£÷¸¸ˆÅ¸

¬¨¸³Åœ¸¢›¸Ÿ›¸¸›¸º¬¸¸££í¸À

©¸½¡¸£š¸¸£ˆÅˆÅúª½µ¸ú

31.03.2017ˆÅ¸½ 31.03.2016ˆÅ¸½š¸¸¢£÷¸ ©¸½¡¸£¸Ê ˆÅú

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š¸¸¢£÷¸ ©¸½¡¸£¸Ê ˆÅú ¬¸¿‰¡¸¸

ˆºÅ¥¸ ©¸½¡¸£ š¸¸£µ¸ ¬¸½

%ž¸¸£÷¸ ¬¸£ˆÅ¸£ 95,35,24,561 81.61 95,35,24,561 81.61Ÿ¡¸º\¡¸º‚¥¸ û¿Å”/¡¸»’ú‚¸ƒÄ 28,426 0.00 25,184 0.00¤¸ÿˆÅ/¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸ 4,39,117 0.04 4,48,885 0.04¤¸úŸ¸¸ ˆ¿Åœ¸¢›¸¡¸¸¿ 15,26,90,471 13.07 15,26,90,471 13.07¢¨¸™½©¸ú ¬¸¿¬˜¸¸Š¸÷¸ ¢›¸¨¸½©¸ˆÅ 29,65,209 0.25 33,99,179 0.29‹¸£½¥¸» ˆ¿Åœ¸¢›¸¡¸¸¿ 35,82,983 0.31 35,75,765 0.31›¡¸¸¬¸(’ï¬’) 1,12,025 0.01 1,12,025 0.01ž¸¸£÷¸ú¡¸ ¢›¸¨¸¸¬¸ú¨¡¸¢Æ÷¸ 5,27,03,339 4.51 5,25,65,888 4.50‚¢›¸¨¸¸¬¸ú ž¸¸£÷¸ú¡¸ 22,87,477 0.20 19,91,650 0.17¢¨¸™½©¸ú ¢›¸Š¸¢Ÿ¸÷¸ ¢›¸ˆÅ¸¡¸ 100 0.00 100 0.00ˆºÅ¥¸ 116,83,33,708 100.00 116,83,33,708 100.00

9.16 ©¸½¡¸£š¸¸£ˆÅ¸Ê¬¸½¬¸¿œÏ½«¸µ¸Ÿ¸Êí¢£÷¸œ¸í¥¸ “í¢£÷¸œ¸í¥¸” ½Å²Åœ¸Ÿ¸½¿ Å¸Áœ¸¸½Ä£½’Ÿ¸¸Ÿ¸¥¸¸Ê ½ÅŸ¸¿°¸¸¥¸¡¸›¸½‚œ¸›¸½¢™›¸¸¿ˆÅ21.04.2011

ˆ½Å¬¸¿œÏ½«¸µ¸Ç¿Å.17/95/2011¬¸ú‡¥¸-¨¸ú/œ¸¢£.ÇÅ.17÷¸˜¸¸¢™›¸¸¿ˆÅ29.04.2011ˆ½ÅÇÅ.18/95/2011×¸£¸©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½ƒ¥¸½Æ’ï¸¢›¸ˆÅŸ¸¸½”¬¸½¬¸¿œÏ½«¸µ¸ž¸½]¸›¸½ˆÅú‚›¸ºŸ¸¢÷¸™úí¾.ƒ¬¸ˆÅ¸‚›¸º¬¸£µ¸ˆÅ£÷¸½íº‡,¤¸ÿˆÅ›¸½©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½œ¸°¸/Ÿ¸½¥¸ž¸½]¸÷¸½íº‡‚›¸º£¸½š¸¢ˆÅ¡¸¸¢ˆÅ¨¸½‚œ¸›¸½ƒÄ-Ÿ¸½¥¸‚¸ƒÄ”úˆÅúíŸ¸Ê]¸¸›¸ˆÅ¸£ú™Ê/‚Ô¸¢÷¸÷¸ˆÅ£Ê,÷¸¸¢ˆÅ¤¸ÿˆÅˆÅú‚¸½£¬¸½©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½¬¸»\¸›¸¸/¬¸¿œÏ½«¸µ¸/™¬÷¸¸¨¸½]¸ƒ¥¸½Æ’ï¸¢›¸ˆÅŸ¸¸½”¬¸½ž¸½]¸½]¸¸¬¸ˆÊÅ.¢™›¸¸¿ˆÅ29]¸»›¸2016ˆÅ¸½¬¸¿œ¸››¸¤¸ÿˆÅˆ½Å©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅú÷¸½£í¨¸ú¿¨¸¸¢«¸ÄˆÅ¬¸¸š¸¸£µ¸¤¸¾“ˆÅˆÅú¬¸»\¸›¸¸63142©¸½¡¸£š¸¸£ˆÅ¸ÊˆÅ¸½ƒ¥¸½Æ’ï¸¢›¸ˆÅŸ¸¸½”¬¸½ž¸½]¸úŠ¸ƒÄ.

Protection Fund” (IEPF) established under Section 205C(1) of the Companies Act, 1956/Section 125 of the Companies Act, 2013 and thereafter, no claim for payment of dividend shall lie in respect thereof either to the Bank or to IEPF.

In line with the above provisions, all such amounts of dividend remaining unpaid / unclaimed from the financial year 2003-04, 2004-05, 2005-06, 2006-07, 2007-08 and 2008-09 have been transferred to “Investor Education and Protection Fund”. The details are displayed on the Bank’s website. The dividend for the year 2009-10 remaining unclaimed/ unpaid will be transferred to the said fund within the prescribed limits.

9.15 Shareholding Pattern: The shareholding pattern of the Bank’s shares as on

31.03.2017 and 31.03.2016 was as under:

Category of shareholderAs on 31.03.2017 As on 31.03.2016

No. of shares held

% to total holding

No. of shares held

% to total

Govt. of India 95,35,24,561 81.61 95,35,24,561 81.61Mutual Fund/UTI 28,426 0.00 25,184 0.00Banks/Financial Institutions 4,39,117 0.04 4,48,885 0.04Insurance Companies 15,26,90,471 13.07 15,26,90,471 13.07Foreign Institutional Investors 29,65,209 0.25 33,99,179 0.29Domestic Companies 35,82,983 0.31 35,75,765 0.31Trusts 1,12,025 0.01 1,12,025 0.01Resident Individuals 5,27,03,339 4.51 5,25,65,888 4.50Non Resident Individuals 22,87,477 0.20 19,91,650 0.17Overseas Bodies Corporate 100 0.00 100 0.00Total 116,83,33,708 100.00 116,83,33,708 100.00

9.16 Green Initiatives in communication to the Shareholders: The Ministry of Corporate Affairs, vide its communications

No. 17/95/2011 CL-v/Cir No.17 dated 21.04.2011 and No. 18/95/2011, dated 29.04.2011 has allowed sending the communications to the shareholders by electronic mode, as matter of “Green Initiative”. Falling in line with this, the Bank has sent letters/mails to the shareholders, requesting them to inform/update their email Ids to enable the Bank to send the notices/communications/documents to the shareholders by electronic mode. The notices of the Thirteenth Annual General Meeting of the Shareholders of the Bank, held on 29th June, 2016 were sent to 63142 shareholders by electronic mode.

Report of the Board of Directors on Corporate I declare that the Board has laid down the Code of Conduct for all Board Members and Senior Management Personnel of the Bank in compliance with SEBI (Listing Obligations and Disclosures Requirements), Regulations, 2015. The Code of Conduct is posted on the website of the Bank.I further declare that all Board members and Senior Management Personnel of the Bank have affirmed their compliance with the Code of Conduct during the year ended 31st March, 2017.

For Bank of Maharashtra

(R.P. Marathe)Managing Director and CEO

Date: 4th May, 2017Place: Pune

ˆÅ¸Áœ¸¸½Ä£½’œ¸£¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆÅú¢£œ¸¸½’ÄŸ¸ÿ ‹¸¸½¢«¸÷¸ ˆÅ£÷¸¸ í»Â ¢ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ›¸½ ¬¸½¤¸ú (¢¥¸¦¬’¿Š¸ ‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿ ‚¸¾£ œÏˆÅ’›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿)¢¨¸¢›¸¡¸Ÿ¸2015ˆ½Å ‚›¸ºœ¸¸¥¸›¸ Ÿ¸Ê ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¬¸ž¸ú ¬¸™¬¡¸¸Ê ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¢Ÿ¸Ä¡¸¸Êˆ½Å ¢¥¸‡ ‚¸\¸¸£ ¬¸¿¢í÷¸¸(ˆÅ¸½”‚¸ÁûÅˆ¿Å”Æ’) ¢›¸š¸¸Ä¢£÷¸ˆÅúŠ¸ƒÄí¾.‚¸\¸¸£ ¬¸¿¢í÷¸¸ ¤¸ÿˆÅ ˆÅú ¨¸½¤¸¬¸¸ƒ’ œ¸£ ž¸ú œÏ™¢©¸Ä÷¸ ˆÅú Š¸ƒÄ í¾.Ÿ¸ÿ ¡¸í ž¸ú ‹¸¸½¢«¸÷¸ ˆÅ£÷¸¸ í»Â ¢ˆÅ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ˆ½Å ¬¸ž¸ú ¬¸™¬¡¸ ‚¸¾£ ¤¸ÿˆÅ ˆ½Å ¬¸ž¸ú¨¸¢£«“ œÏ¤¸¿š¸›¸ ˆÅ¢Ÿ¸Ä¡¸¸Ê›¸½ 31 Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ‚¸\¸¸£ ¬¸¿¢í÷¸¸ ˆ½Å œ¸¸¥¸›¸ˆÅ£›¸½ ˆÅúœ¸º¦«’ˆÅú í¾. ˆ¼Å÷¸½¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ï

(‚¸£.œ¸ú.Ÿ¸£¸“½)œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿¬¸úƒÄ‚¸½

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52

CEO/ CFO Certificate[Regulation 17(8)]

To the Board of Directors, Bank of Maharashtra, Pune

This is to certify that:

A. We have reviewed financial statements and the cash flow statement for the year ended 31st March, 2017 and that to the best of our knowledge and belief:

(1) These statements do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading;

(2) These statements together present a true and fair view of the Bank’s affairs and are in compliance with existing accounting standards, applicable laws and regulations.

B. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are fraudulent, illegal or violative of the Bank’s code of conduct.

C. We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated the effectiveness of internal control systems of the Bank pertaining to financial reporting and we have disclosed to the Auditors and the Audit Committee, deficiencies in the design or operation of such internal controls, if any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies.

D. We have indicated to the Auditors and the Audit Committee.

(1) Significant changes in internal control over financial reporting during the year;

(2) Significant changes in accounting policies during the year and that the same have been disclosed in the notes to the financial statements; and

(3) Instances of significant fraud of which we have become aware and the involvement therein, if any, of the management or an employee having a significant role in the Bank’s internal control system over financial reporting.

R. H. Phadnis R.P. Marathe General Manager Managing Director & CEO (FM&A & CFO)

Date: 04th May, 2017Place: Pune

¬¸úƒÄ‚¸½/¬¸ú‡ûÅ‚¸½œÏŸ¸¸µ¸œ¸°¸[¢¨¸¢›¸¡¸Ÿ¸17(8)]

¬¸½¨¸¸Ÿ¸Ê,¢›¸™½©¸ˆÅŸ¸¿”¥¸¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ïœ¸ºµ¸½íŸ¸œÏŸ¸¸¢µ¸÷¸ˆÅ£÷¸½íÿ¢ˆÅ

ˆÅ. íŸ¸›¸½ 31 Ÿ¸¸\¸Ä, 2017ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê‚¸¾£ ›¸ˆÅ™úœÏ¨¸¸í¢¨¸¨¸£µ¸ˆÅú¬¸Ÿ¸ú®¸¸ˆÅúí¾‚¸¾£íŸ¸¸£ú¬¸¨¸¸½Äî¸Ÿ¸]¸¸›¸ˆÅ¸£ú‚¸¾£¢¨¸æ¸¸¬¸ˆ½Å‚›¸º¬¸¸£À

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(2) ¡¸½ ¢¨¸¨¸£µ¸ ¬¸¦ŸŸ¸¢¥¸÷¸³Åœ¸ ¬¸½ ¤¸ÿˆÅ ˆ½Å Ÿ¸¸Ÿ¸¥¸¸Ê ˆÅú ¬¸÷¡¸‚¸¾£„¢\¸÷¸Ž¢¨¸œÏ¬÷¸º÷¸ˆÅ£÷¸½íÿ÷¸˜¸¸Ÿ¸¸¾]¸»™¸¥¸½‰¸¸Ÿ¸¸›¸ˆÅ¸Ê,œÏ¡¸¸½]¡¸¢¨¸¢š¸¡¸¸Ê‚¸¾£¢¨¸¢›¸¡¸Ÿ¸›¸¸Êˆ½Å‚›¸º¬¸¸£íÿ.

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Š¸. íŸ¸¢¨¸î¸ú¡¸¢£œ¸¸½¢’ôŠ¸í½÷¸º‚¸¿÷¸¢£ˆÅ¢›¸¡¸¿°¸µ¸¬˜¸¸¢œ¸÷¸ˆÅ£›¸½‚¸¾£ƒ¬¸½¤¸›¸¸‡£‰¸›¸½ˆÅ¸„î¸£™¸¢¡¸÷¨¸¬¨¸úˆÅ¸£ˆÅ£÷¸½íÿ‚¸¾£¡¸í¢ˆÅíŸ¸›¸½¢¨¸î¸ú¡¸¢£œ¸¸½¢’ôŠ¸¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¤¸ÿˆÅ ˆÅú ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¢¥¸¡¸¸Ê ˆÅú œÏž¸¸¨¸©¸ú¥¸÷¸¸ ˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ í¾‚¸¾£‡½¬¸½‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆ½Å œ¸¢£\¸¸¥¸›¸‚¸¾£„¬¸ˆ½Å¬¨¸³Åœ¸ˆÅú¢¨¸¬¸¿Š¸¢÷¸¡¸¸ÊˆÅ¸½,]¸¸½íŸ¸¸£ú]¸¸›¸ˆÅ¸£úŸ¸Êíÿ÷¸˜¸¸„›íÊœ¸¢£©¸¸½¢š¸÷¸ˆÅ£›¸½ˆ½Å ¢¥¸‡íŸ¸¸£½×¸£¸„“¸‡Š¸‡/œÏ¬÷¸¸¢¨¸÷¸ˆÅ™Ÿ¸¸ÊˆÅ¸½¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê‚¸¾£¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆ½Å¬¸Ÿ¸®¸œÏˆÅ’¢ˆÅ¡¸¸í¾.

‹¸. íŸ¸›¸½¥¸½‰¸¸œ¸£ú®¸ˆÅ¸Ê‚¸¾£¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆÅ¸½¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ˆÅú¬¸»\¸›¸¸™úí¾À

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(2) ¨¸«¸Äˆ½Å™¸¾£¸›¸¥¸½‰¸¸›¸ú¢÷¸¡¸¸ÊŸ¸Êíº‡Ÿ¸í÷¨¸œ¸»µ¸Äœ¸¢£¨¸÷¸Ä›¸‚¸¾£¢]¸›¸ˆÅ¸œÏˆÅ’›¸¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊˆÅú¢’œœ¸¢µ¸¡¸¸ÊŸ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸í¾.

(3) íŸ¸Ê±¸¸÷¸š¸¸½‰¸¸š¸”õúˆÅú¢¨¸©¸½«¸‹¸’›¸¸‡¿‚¸¾£¢]¸¬¸Ÿ¸Ê¤¸ÿˆÅˆÅú‚¸¿÷¸¢£ˆÅ¢›¸¡¸¿°¸µ¸ œÏµ¸¸¥¸ú ‚¸¾£ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä ž¸»¢Ÿ¸ˆÅ¸ ¨¸¸¥¸½ˆÅŸ¸Ä\¸¸£ú¡¸¸œÏ¤¸¿š¸›¸,¡¸¢™ˆÅ¸½ƒÄí¸½,ˆÅú¬¸¿¢¥¸œ÷¸÷¸¸ˆ½Å´«’¸¿÷¸.

‚¸£.‡\¸.ûÅ”µ¸ú¬¸ ‚¸£.œ¸ú.Ÿ¸£¸“½ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ œÏ¤¸¿š¸¢›¸™½©¸ˆÅ‡¨¸¿ (¢¨¸î¸ú¡¸œÏ¤¸¿š¸›¸‡¨¸¿¥¸½‰¸¸ ¬¸úƒÄ‚¸½ ‚¸¾£Ÿ¸º‰¡¸¢¨¸î¸ú¡¸‚¢š¸ˆÅ¸£ú)

¢™›¸¸¿ˆÅÀ4Ÿ¸ƒÄ2017 ¬˜¸¸›¸Àœ¸ºµ¸½

53


Auditors’ Certificate to the Shareholders ofBank of Maharashtra

To the Members of Bank of Maharashtra

We have examined the compliance of conditions of Corporate Governance by Bank of Maharashtra for the year ended on 31.03.2017 as stipulated in SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”), to the extent applicable.

The Compliance of conditions of Corporate Governance is the responsibility of the Management. Our examination was limited to the procedures and implementation thereof, adopted by the Bank for ensuring the compliance of the conditions of Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of the Bank.

In our opinion and to the best of our information and according to the explanations given to us and the representations made by the Directors and Management, we certify that the Bank has complied with the norms of Corporate Governance as stipulated in the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations)”.

We further state that such compliance is neither an assurance to the future viability of the Bank nor the efficiency or effectiveness with which the management has conducted the affairs of the Bank.

¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ïˆ½Å©¸½¡¸£š¸¸£ˆÅ¸Êˆ½Å¢¥¸‡ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸ÊˆÅ¸œÏŸ¸¸µ¸œ¸°¸

¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ïˆ½Å¬¸™¬¡¸¸Êˆ½Å¢¥¸‡

íŸ¸›¸½ ¡¸˜¸¸ ¥¸¸Š¸» ¬¸úŸ¸¸ ÷¸ˆÅ ¬¸½¤¸ú (¢¥¸¦¬’¿Š¸ ‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿ ‚¸¾£ ¢¨¸Š¸¸½œ¸›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿) ¢¨¸¢›¸¡¸Ÿ¸¸Ê, 2015 (¢¥¸¦¬’¿Š¸ ¢¨¸¢›¸¡¸Ÿ¸) ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸º¬¸¸£31.03.2017ˆÅ¸½¬¸Ÿ¸¸œ÷¸¨¸«¸Äí½÷¸º¤¸ÿˆÅ‚¸ÁûÅŸ¸í¸£¸«’ï×¸£¸ˆÅ¸Áœ¸¸½Ä£½’Š¸¨¸›¸½ô¬¸ˆÅú©¸÷¸¸½ôˆ½Å‚›¸ºœ¸¸¥¸›¸ˆÅú]¸¸¿\¸ˆÅúí¾.

ˆÅ¸Áœ¸¸½Ä£½’ Š¸¨¸›¸½ô¬¸ ˆÅú ©¸÷¸¸½ô ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¢]¸ŸŸ¸½™¸£ú œÏ¤¸¿š¸›¸ ˆÅú í¾. ˆÅ¸œ¸¸½Ä£½’Š¸¨¸›¸½ô¬¸ ˆÅú ©¸÷¸¸½ô ˆÅ¸‚›¸ºœ¸¸¥¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ×¸£¸‚œ¸›¸¸ƒÄ Š¸ƒÄˆÅ¸Áœ¸¸½Ä£½’ Š¸¨¸›¸½ô¬¸ ˆÅú©¸÷¸¸½ô ˆ½Å‚›¸ºœ¸¸¥¸›¸‚¸¾£„¬¸ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ÷¸˜¸¸ ˆÅ¸¡¸Ä¢¨¸¢š¸÷¸ˆÅíŸ¸¸£ú]¸¸¿\¸¬¸ú¢Ÿ¸÷¸˜¸ú.¡¸í›¸÷¸¸½¥¸½‰¸¸œ¸£ú®¸¸í¾÷¸˜¸¸›¸íú¤¸ÿˆÅˆ½Å¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸Êœ¸£íŸ¸¸£½‚¢ž¸Ÿ¸÷¸ˆÅú‚¢ž¸¨¡¸¢Æ÷¸í¾.

íŸ¸¸£ú £¸¡¸ Ÿ¸Ê‚¸¾£íŸ¸¸£ú ¬¸¨¸¸½Äî¸Ÿ¸ ]¸¸›¸ˆÅ¸£ú Ÿ¸Ê‡¨¸¿ íŸ¸Ê ¢™¡¸½ Š¸¡¸½ ¬œ¸«’úˆÅ£µ¸‚¸¾£¢›¸™½©¸ˆÅ¸Ê‚¸¾£œÏ¤¸¿š¸÷¸¿°¸ˆ½ÅœÏ¢÷¸¨¸½™›¸ˆ½Å‚¸š¸¸£œ¸£íŸ¸œÏŸ¸¸¢µ¸÷¸ˆÅ£÷¸½íÿ¢ˆÅ¬¸½¤¸ú(¢¥¸¦¬’¿Š¸‚¢›¸¨¸¸¡¸Ä÷¸¸‡¿‚¸¾£¢¨¸Š¸¸½œ¸›¸‚¸¨¸©¡¸ˆÅ÷¸¸‡¿)¢¨¸¢›¸¡¸Ÿ¸¸Ê,2015(¢¥¸¦¬’¿Š¸¢¨¸¢›¸¡¸Ÿ¸)Ÿ¸Ê¢›¸š¸¸Ä¢£÷¸ˆÅ¸Áœ¸¸½Ä£½’Š¸¨¸›¸½ô¬¸ˆ½ÅŸ¸¸›¸™¿”¸ÊˆÅ¸¤¸ÿˆÅ›¸½‚›¸ºœ¸¸¥¸›¸¢ˆÅ¡¸¸í¾.

íŸ¸¸£¸ ¡¸í ž¸ú ˆÅ˜¸›¸ í¾ ¢ˆÅ ƒ¬¸ ÷¸£í ˆÅ¸‚›¸ºœ¸¸¥¸›¸ ›¸ ÷¸¸½ ¤¸ÿˆÅ ˆÅú ž¸¢¨¸«¡¸ ˆÅú¨¡¸¨¸í¸¡¸Ä÷¸¸ ˆÅ¸ ›¸íú œÏ¤¸¿š¸›¸×¸£¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸ÄˆÅ¥¸¸œ¸¸Ê ˆÅú ˆÅ¸¡¸Ä®¸Ÿ¸÷¸¸ ¡¸¸„¬¸ˆ½ÅœÏž¸¸¨¸úí¸½›¸½ˆÅ¸ž¸¸¨¸ú‚¸æ¸¸¬¸›¸í¾.

ke=Àles heejKe Sb[ kebÀheveer SHeÀDeejSve: 001475meer

meveoer uesKeekeÀejfor Parakh & Co.

FRN: 001475CChartered Accountants

ˆ¼Å÷¸½‡.‚¸£.¬¸º¥¸¸‰¸½‡¿”ˆ¿Åœ¸›¸úSHeÀDeejSve: 110540”¤¥¡¸»

meveoer uesKeekeÀejfor A.R. Sulakhe & Co.

FRN: 110540WChartered Accountants

ˆ¼Å÷¸½ˆÅ¸½“¸£ú‡¿”ˆ¿Åœ¸›¸ú‡ûÅ‚¸£‡›¸-301178ƒÄ

¬¸›¸™ú¥¸½‰¸¸ˆÅ¸£for KOTHARI & Co

FRN - 301178EChartered Accountants

ˆ¼Å÷¸½¬¸ú‡Ÿ¸‚¸£‡¬¸‡¿”‡¬¸¸½¢¬¸‡’Ã¬¸,‡¥¸‡¥¸œ¸ú

‡ûÅ‚¸£‡›¸:101678”¤¥¡¸»/”¤¥¡¸»100068¬¸›¸™ú¥¸½‰¸¸ˆÅ¸£

for CMRS & Associates,LLPFRN: 101678 W/ W100068

Chartered Accountants

¬¸ú‡ƒ¿Íœ¸¸¥¸¢¬¸¿íž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ÇÅ.:410433CA Indra Pal Singh

PartherMembership No. 410433

¬¸ú‡‚¸›¸¿™¬¸º¥¸¸‰¸½ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ÇÅ.:33451CA Anand Sulakhe


¬¸ú‡Ÿ¸›¸¬¨¸úˆÅ¸½“¸£úž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ÇÅ.:64601CA Manaswy Kothari


¬¸ú‡Ÿ¸í½æ¸£‡Ÿ¸.Ÿ¸£¸“½ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ÇÅ.:212175CA Maheshwar M Marathe


mLeeve : HegCes Place : Pune efoveebkeÀ : 4 ceF&, 2017 Date : 4th May, 2017


54

Devegmet®eerSchedule

31 cee®e& 2017 keÀer efmLeefle kesÀ Devegmeej (®eeuet Je<e&)

As on 31st March 2017 (Current Year)

31 cee®e& 2016 keÀer efmLeefle kesÀ Devegmeej (iele Je<e&)

As on 31st March 2016 (Previous Year)

hetbpeer SJeb oeef³elJe CAPITAL AND LIABILITIES

hetbpeer Capital 1 1168,33,37 1168,33,37

Deejef#eefle³eeb Deewj DeefOeMes<e Reserves & Surplus 2 6211,19,10 7618,81,01

peceejeefMe³eeb Deposits 3 139052,83,79 138989,81,78

GOeeefj³eeb Borrowings 4 8136,65,21 9228,10,29

Dev³e os³eleeSb SJeb he´eJeOeeve Other Liabilities & Provisions 5 4754,96,65 3952,25,99

peesæ[ TOTAL 159323,98,12 1609,57,32,44

Deeeqmle³eeb ASSETS

vekeÀoer Deewj Yeejleer³e efjpeJe& yeQkeÀ ceW DeefleMes<e Cash and Balances with Reserve Bank of India 6 15274,71,92 8382,28,66

yeQkeÀeW ceW Mes<e, ceebie leLee Deuhe met®evee hej ÒeeH³e Oeve Balances with Banks, Money at call & short notice 7 1367,30,17 937,86,23

efveJesMe Investments 8 38590,18,48 36230,87,24

Deefie´ce Advances 9 95515,22,99 107562,67,06

eqmLej Deeeqmle³eeb Fixed Assets 10 1586,08,00 1694,41,51

Dev³e Deeeqmle³eeb Other Assets 11 6990,46,56 6149,21,74

peesæ[ TOTAL 159323,98,12 160957,32,44

DeekeÀeqmcekeÀ os³eleeSb Contingent Liabilities 12 29329,20,74 29971,43,72

Jemetueer nsleg efyeue Bills for Collection 4021,46,55 3756,43,76

cenlJehetCe& uesKee veerefle³eeb Significant accounting policies 17

KeeleeW hej efìhheefCe³eeb Notes on Accounts 18

Devegmetef®e³eeb 1 mes 18 leguevehe$e keÀe DeefYeVe Yeeie nQ. The Schedules 1 to 18 form an integral part of the Accounts.

31 cee®e& 2017 keÀer eqmLeefle kesÀ Devegmeej leguevehe$e BALANCE SHEET AS ON 31ST MARCH, 2017

(` npeej ceW) ( ` in thousands)

”¸Á. ‚\¸Ä›¸¸ ‚¸£. š¸¸½¥¸¢ˆÅ¡¸¸ ¢›¸™½©¸ˆÅ

Dr. ARCHANA R. DHOLAKIADirector

‚¸£. ÷¸¸Ÿ¸¸½š¸£µ¸¢›¸™½©¸ˆÅ

R. THAMODHARANDirector

œ¸ú. ‡. ¬¸½“ú¢›¸™½©¸ˆÅ

P. A. SETHIDirector

™ú›¸™¡¸¸¥¸ ‚ŠÏ¨¸¸¥¸¢›¸™½©¸ˆÅ

DEENDAYAL AGRAWALDirector

]¸ú. ªúˆºÅŸ¸¸£¢›¸™½©¸ˆÅ

G. SREEKUMARDirector

‚÷¸ú©¸ ¢¬¸¿í ¢›¸™½©¸ˆÅ

ATEESH SINGHDirector

œÏ™úœ¸ ¢Ÿ¸ª¸¬¸í¸¡¸ˆÅ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ, ¢¨¸. œÏ. ¨¸ ¥¸½‰¸¸

PRADEEP MISHRAAsst.Gen. Manager, FM&A

¬¸¿]¸¡¸ ³ÅÍ„œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ, ¢¨¸. œÏ. ¨¸ ¥¸½‰¸¸

SANJAY RUDRA Dy. Gen. Manager, FM&A

‚¸£. ‡\¸. ûÅ”µ¸ú¬¸Ÿ¸í¸œÏ¤¸¿š¸ˆÅ, ¢¨¸.œÏ. ¨¸ ¥¸½‰¸¸

R. H. PHADNISGen. Manager, FM&A

‡. ¬¸ú. £¸„÷¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ A.C. ROUT

EXECUTIVE DIRECTOR

‚¸£. ˆ½Å. Š¸ºœ÷¸¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ R. K. GUPTA

EXECUTIVE DIRECTOR

‚¸£. œ¸ú. Ÿ¸£¸“½œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ ¬¸úƒÄ‚¸½R.P. MARATHE

MANAGING DIRECTOR & CEO


“‚›¸ºŸ¸÷¡¸ ‚›¸ºœ¸¢¬˜¸¢÷¸ ˆ½Å ˆÅ¸£µ¸ ªú ‚÷¸ú©¸ ¢¬¸¿í ‚¸¾£ ]¸ú. ªúˆºÅŸ¸¸£, (¢›¸™½©¸ˆÅ¸½¿) ›¸½ í¬÷¸¸®¸£ ›¸íì ¢ˆÅ‡.”“Shri Ateesh Singh and Shri G. Sreekumar, (Directors) did not sign since, they were granted leave of absence.”

55


31 cee®e& 2017 keÀes meceehle Je<e& keÀe ueeYe Je neefve uesKeePROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2017


Devegmet®eer

Schedule31 cee®e& 2017 keÀes

meceeHle Je<e& (®eeuet Je<e&) Year ended

31st March 2017 (Current Year)

31 cee®e& 2016 keÀes meceeHle Je<e& (iele Je<e&) Year ended

31st March 2016 (Previous Year)

I. Dee³e INCOME

Dee|pele y³eepe Interest earned 13 12061,95,97 13052,98,57

Dev³e Dee³e Other Income 14 1508,07,46 1019,28,97

peesæ[ TOTAL 13570,03,43 14072,27,54II. J³e³e EXPENDITURE

J³e³e efkeÀ³ee ie³ee y³eepe Interest expended 15 8887,27,12 9174,28,93

heefj®eeueve J³e³e Operating Expenses 16 2855,69,51 2552,80,93

he´eJeOeeve Deewj DeekeÀeqmcekeÀleeSb Provisions & contingencies 3199,57,61 2244,49,19

peesæ[ TOTAL 14942,54,24 13971,59,05

ueeYe / neefve PROFIT/LOSS

Je<e& kesÀ efueS efveJeue ueeYe Net Profit for the year -1372,50,81 100,68,52

pees[s : Deeies uee³ee ie³ee ueeYe Add: Profit brought forward 59,63,96 136,50,52

pees[s : efveJesMe Deejef#eefle mes DeenjCe Add: Drawing from Investment Reserve 812,29 12,95,89

peesæ[ TOTAL -1304,74,56 250,14,93

efJeefve³eesie APPROPRIATIONS

meebefJeefOekeÀ Deejef#eefle keÀes DeblejCe Transfer to Statutory Reserve - 25,17,13

hetbpeer Deejef#eefle keÀes DeblejCe Transfer to Capital Reserve 87,25,27 28,83,32

jepemJe Deejef#eefle keÀes DeblejCe Transfer to Revenue Reserve 6,19,60

efJeMes<e Deejef#eefle keÀes DeblejCe Transfer to Special Reserve 130,00,00

efveJesMe Deejef#eefle keÀes DeblejCe Transfer to Investment Reserve -

he´mleeefJele ueeYeebMe (heerSvemeerheerSme) Proposed dividend (PNCPS) - -

he´mleeefJele ueeYeebMe (F&eqkeÌJeìer) Proposed dividend (Equity) - -

ueeYeebMe hej keÀj Tax on Dividend - -

Debleefjce ueeYeebMe Deewj Debleefjce ueeYeebMe hej keÀj Interim Dividend & Tax on Interim Dividend - 30,92

Mes<e keÀes leguevehe$e ceW Deeies ues pee³ee ie³ee Balance carried over to Balance Sheet -1391,99,83 59,63,96

peesæ[ TOTAL -1304,74,56 250,14,93

he´efle Mes³ej Depe&ve (cetue Je keÀce keÀer ngF&) (©) Earning per share (Basic & Diluted) (Rupees) -11.75 0.91

Ghe³eg&ÊeÀ meboe|Yele Devegmetef®e³eeb ueeYe / neefve KeeleeW kesÀ DeefYeVe Yeeie nQ. The Schedules referred to above form an integral part of the Profit and Loss Account

nceejer meceefoveebefkeÀle mebueive efjheesì& kesÀ Devegmeej As per our report of even date attached.




ˆ¼Å÷¸½ ‡.‚¸£. ¬¸º¥¸¸‰¸½ ‡¿” ˆ¿Åœ¸›¸ú SHeÀDeejSve: 110540 ”¤¥¡¸»



ˆ¼Å÷¸½ ˆÅ¸½“¸£ú ‡¿” ˆ¿Åœ¸›¸ú‡ûÅ‚¸£‡›¸ - 301178 ƒÄ

¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£for KOTHARI & Co


ˆ¼Å÷¸½ ¬¸ú‡Ÿ¸‚¸£‡¬¸ ‡¿” ‡¬¸¸½¢¬¸‡’Ã¬¸, ‡¥¸‡¥¸œ¸ú

‡ûÅ‚¸£‡›¸: 101678 ”¤¥¡¸»/”¤¥¡¸» 100068¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£



¬¸ú‡ ƒ¿Í œ¸¸¥¸ ¢¬¸¿í ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ ÇÅ.: 410433CA Indra Pal Singh


¬¸ú‡ ‚¸›¸¿™ ¬¸º¥¸¸‰¸½ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ ÇÅ.: 33451CA Anand Sulakhe


¬¸ú‡ Ÿ¸›¸¬¨¸ú ˆÅ¸½“¸£ú ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ ÇÅ.: 64601CA Manaswy Kothari


¬¸ú‡ Ÿ¸í½æ¸£ ‡Ÿ¸. Ÿ¸£¸“½ž¸¸Š¸ú™¸£

¬¸™¬¡¸÷¸¸ ÇÅ.: 212175CA Maheshwar M Marathe




56

‚›¸»¬¸»\¸ú 17 - Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿

1. ¥¸½‰¸¸ œÏ˜¸¸‡¿

1.1 ‡½¬¸½¬˜¸¸›¸¸ÊˆÅ¸½Ž¸½”õˆÅ£]¸í¸¿‚›¡¸˜¸¸„¥¥¸½‰¸í¸½,¬¸¿¥¸Š›¸¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸œ¸»¨¸Ä¥¸¸Š¸÷¸œÏ˜¸¸‚¸Êˆ½Å‚›¸º¬¸¸£÷¸¾¡¸¸£¢ˆÅ‡Š¸‡íÿ‚¸¾£¡¸í¬¸¸Ÿ¸¸›¡¸÷¸À¬¨¸úˆÅ¸¡¸Ä¥¸½‰¸¸¢¬¸Ö¸›÷¸¸Ê(]¸ú‡‡œ¸ú) ¢]¸¬¸Ÿ¸Ê ¬¸¸¿¢¨¸¢š¸ˆÅ œÏ¸¨¸š¸¸›¸¸Ê ‚¸¾£ ž¸¸£÷¸ Ÿ¸Ê ¤¸ÿ¢ˆ¿ÅŠ¸ „Ô¸¸½Š¸ Ÿ¸Ê œÏ\¸¢¥¸÷¸œÏ˜¸¸‚¸Ê,¢¨¸¢›¸¡¸¸Ÿ¸ˆÅ/ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ(‚¸£¤¸ú‚¸ƒÄ)ˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Ê,ž¸¸£÷¸ú¡¸¬¸›¸™ú¥¸½‰¸¸ˆÅ¸£¬¸¿¬˜¸¸›¸(‚¸ƒÄ¬¸ú‡‚¸ƒÄ)×¸£¸]¸¸£ú¥¸¸Š¸»¥¸½‰¸¸Ÿ¸¸›¸ˆÅ¸Ê/¢™©¸¸¢›¸™½Ä©¸¢’œœ¸¢µ¸¡¸¸ÊˆÅ¸¬¸Ÿ¸¸¨¸½©¸í¾.

1.2 ¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊˆÅ¸½÷¸¾¡¸¸£ˆÅ£›¸½Ÿ¸ÊœÏ¤¸¿š¸›¸ˆÅ¸½¡¸í‚œ¸½¢®¸÷¸í¾¢ˆÅ¢£œ¸¸½’¸Äš¸ú›¸‚¨¸¢š¸í½÷¸º‚¸¡¸‚¸¾£ ¨¡¸¡¸ ˆÅú ¢£œ¸¸½’Ä ÷¸˜¸¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¢™›¸¸¿ˆÅ ˆÅ¸½‚¸¦¬÷¸‚¸¾£™½¡¸÷¸¸‡¿ (‚¸ˆÅ¦¬Ÿ¸ˆÅ™¸¢¡¸÷¨¸ ¬¸¢í÷¸)ˆÅú ¢£œ¸¸½’Ä ˆÅú Š¸ƒÄ £¸¢©¸ Ÿ¸Ê œÏ¸ÆˆÅ¥¸›¸‚¸¾£š¸¸£µ¸¸‚¸Êœ¸£¢¨¸\¸¸£¢ˆÅ¡¸¸]¸¸‡.œÏ¤¸¿š¸›¸ˆÅ¸¡¸í¢¨¸\¸¸£í¾¢ˆÅ¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊˆÅ¸½÷¸¾¡¸¸£ˆÅ£›¸½Ÿ¸ÊœÏ¡¸ºÆ÷¸œÏ¸ÆˆÅ¥¸›¸¢¨¸¨¸½ˆÅœ¸»µ¸Ä‚¸¾£÷¸ˆÄÅ¬¸¿Š¸÷¸íÿ.

1.3‡½¬¸½¬˜¸¸›¸¸ÊˆÅ¸½Ž¸½”õˆÅ£¢]¸›¸ˆÅ¸„¥¥¸½‰¸›¸ú\¸½œ¸¢£\Ž½™6.1Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸í¾,£¸]¸¬¨¸‚¸¾£¥¸¸Š¸÷¸ˆÅ¸½„œ¸\¸¡¸‚¸š¸¸£œ¸£¥¸½‰¸¸¤¸š™¢ˆÅ¡¸¸Š¸¡¸¸í¾.

1.4 £¸]¸¬¨¸‚¢ž¸¢›¸š¸¸Ä£µ¸,¢›¸¨¸½©¸¸Ê¨¸‚¢ŠÏŸ¸¸Ê¬¸½¬¸¿¤¸¿¢š¸÷¸¥¸½‰¸¸›¸ú¢÷¸¡¸¸¿ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ×¸£¸¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸œ¸£¢›¸š¸¸Ä¢£÷¸¢¨¸¨¸½ˆÅœ¸»µ¸Ä¥¸½‰¸¸Ÿ¸¸›¸™¿”¸Ê‚¸¾£¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£í¾.

2. ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¬¸¿¨¡¸¨¸í¸£À

2.1 ¢¨¸™½©¸úŸ¸ºÍ¸¬¸¿¨¡¸¨¸í¸£¸ÊˆÅ¸ ¢›¸š¸¸Ä£µ¸ž¸¸£÷¸ú¡¸ ¢¨¸™½©¸úŸ¸ºÍ¸¨¡¸¸œ¸¸£ú¬¸¿‹¸(û½Å”¸ƒÄ)×¸£¸œ¸»¨¸Ä¨¸÷¸úÄ¬¸œ÷¸¸íˆ½Å ¢¥¸‡œÏˆÅ¸¢©¸÷¸¬¸¸œ÷¸¸¢íˆÅ‚¸¾¬¸÷¸‚¦›÷¸Ÿ¸™£¸Ê œ¸£ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.÷¸º¥¸›¸œ¸°¸ˆ½Å ¢™›¸¸¿ˆÅˆÅ¸½ ¢¨¸™½©¸úŸ¸ºÍ¸‚¸¦¬÷¸¡¸¸Ê ¨¸™½¡¸÷¸¸‚¸ÊˆÅ¸ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ž¸¸£÷¸ú¡¸¢¨¸™½©¸úŸ¸ºÍ¸¨¡¸¸œ¸¸£ú¬¸¿‹¸(û½Å”¸ƒÄ)×¸£¸œÏˆÅ¸¢©¸÷¸‚¿¢÷¸Ÿ¸¢¨¸¢›¸Ÿ¸¡¸™£¸Êœ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾‚¸¾£„¬¸ˆ½Åœ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸í¸½›¸½¨¸¸¥¸½¥¸¸ž¸/í¸¢›¸ˆÅ¸¥¸½‰¸¸¿ˆÅ›¸¥¸¸ž¸¨¸í¸¢›¸‰¸¸÷¸½Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸í¾.

2.2 ¤¸ˆÅ¸¡¸¸¨¸¸¡¸™¸¢¨¸™½©¸ú¢¨¸¢›¸Ÿ¸¡¸ˆÅ£¸£‚›¸º¤¸¿¢š¸÷¸™£¸Êœ¸£™©¸¸Ä‡Š¸‡íÿ÷¸˜¸¸¢÷¸Ÿ¸¸íú‚¸š¸¸£ œ¸£‚¸¾£ ÷¸º¥¸›¸œ¸°¸ ¢™›¸¸¿ˆÅ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¢›¸š¸¸Ä¢£÷¸‚¸¡¸ Ÿ¸ºÍ¸ ¤¸¸{¸¸£‚¸¾£¨¡¸º÷œ¸››¸ ¬¸¿‹¸ (¢ûÅŸ”¸) - £¡¸»’£ ×¸£¸ œÏˆÅ¸¢©¸÷¸ ¥¸¸Š¸» ‡Ÿ¸‚¸ƒÄ‡ûÅ‚¸½‚¸£ ™£¸Ê‚˜¸¸Ä÷¸œ¸ú¨¸ú01‚¸š¸¸£œ¸£ˆÅ’¸¾÷¸úˆÅúŠ¸ƒÄ‚¸¾£û½Å”¸ƒÄ×¸£¸¢¨¸¢›¸¢™Ä«’œ¸¢£œ¸Æ¨¸÷¸¸‚¨¸¢š¸¡¸¸Êˆ½Å¢¥¸‡œÏˆÅ¸¢©¸÷¸¢¨¸¢›¸Ÿ¸¡¸™£¸Êœ¸£œ¸º›¸Ÿ¸»Ä¦¥¡¸÷¸/¤¸¸]¸¸£ˆÅ¸½‚¿¢ˆÅ÷¸ˆÅúŠ¸ƒÄ.œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ˆ½Åœ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸í¸½›¸½¨¸¸¥¸½¥¸¸ž¸/í¸¢›¸ˆÅ¸½ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä¤¸ÿˆÅ/û½Å”¸ƒÄˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¥¸¸ž¸¨¸í¸¢›¸‰¸¸÷¸½Ÿ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾‚¸¾£ƒ¬¸ˆ½ÅœÏž¸¸¨¸ˆÅ¸½¥¸¸ž¸ˆÅú™©¸¸Ÿ¸Ê`‚›¡¸‚¸¦¬÷¸¡¸¸¿'‚¸¾£í¸¢›¸ˆÅú™©¸¸Ÿ¸Ê`‚›¡¸™½¡¸÷¸¸‚¸Ê'Ÿ¸ÊœÏž¸¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

2.3 ¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸Ê ]¸¸£ú Š¸¸£¿¢’¡¸¸Ê ¨¸ ¬¸¸‰¸-œ¸°¸¸Ê ¬¸½ ¬¸¿¤¸¿¢š¸÷¸‚¸ˆÅ¦¬Ÿ¸ˆÅ™½¡¸÷¸¸‚¸Ê ˆÅ¸½û½Å”¸ƒÄ×¸£¸„œ¸¥¸¤š¸ˆÅ£¸ƒÄŠ¸ƒÄ‚¿¢÷¸Ÿ¸¢¨¸¢›¸Ÿ¸¡¸™£¸Êœ¸£÷¸º¥¸›¸œ¸°¸Ÿ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾.

2.4 ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£‹¸’ˆÅ¸Êˆ½ÅŠ¸¾£-£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸†µ¸¢¨¸Š¸¸½œ¸›¸¡¸¢™ˆÅ¸½ƒÄí¾œ¸£œÏ¸¨¸š¸¸›¸‚¸¾£œ¸»¿]¸ú‚¸¨¸©¡¸ˆÅ÷¸¸‡¿¥¸¸Š¸»í¸½÷¸úíÿ.

3. ¢›¸¨¸½©¸À

ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢›¸¨¸½©¸¸ÊˆÅ¸¨¸Š¸úÄˆÅ£µ¸‡¨¸¿Ÿ¸»¥¡¸›¸¢›¸Ÿ›¸¸›¸º¬¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾À

3.1 ¢›¸¨¸½©¸¢›¸Ÿ›¸¸¿¢ˆÅ÷¸ª½¢µ¸¡¸¸ÊŸ¸Ê¨¸Š¸úÄˆ¼Å÷¸¢ˆÅ‡Š¸‡íÿ.

ˆÅ. œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅš¸¸¢£÷¸(‡\¸’ú‡Ÿ¸)

‰¸. ¢¤¸ÇÅúˆ½Å¢¥¸‡„œ¸¥¸¤š¸(‡‡ûÅ‡¬¸)

Š¸. ¨¡¸¸œ¸¸£ˆ½Å¢¥¸‡š¸¸¢£÷¸(‡\¸‡ûÅ’ú)

SCHEDULE 17 – SIGNIFICANT ACCOUNTING POLICIES

1. Accounting Conventions:

1.1 ThefinancialstatementsarepreparedunderthehistoricalcostconventionsexceptasotherwisestatedandconformtotheGenerallyAcceptedAccountingPrinciples(GAAP)whichincludestatutoryprovisions,practicesprevailingwithintheBanking Industry in India , the regulatory /ReserveBankofIndia(“RBI”)guidelines,applicableAccountingStandards/ Guidance Notes issued by the Institute of CharteredAccountantsofIndia(ICAI).

1.2 The preparation of financial statements requires themanagement to make estimates and assumptionsconsideredinthereportedamountofAssetsandLiabilities(including contingent liabilities) as of the date of financialstatements and reported income and expenses for theperiod under report. Management is of the view that theestimates used in the preparation of financial statementsareprudentandreasonable.

1.3 Revenue and costs are accounted for on accrual basisexceptasstatedinpara6.1below.

1.4 The accounting policies with regard to RevenueRecognition, InvestmentsandAdvancesare inconformitywiththeprudentialaccountingnormsandguidelinesissuedbyReserveBankofIndiafromtimetotime.

2. Foreign Exchange Transactions:

2.1 The foreign currency transactions are translated at theweekly average closing rates for the preceding week aspublished by Foreign Exchange Dealers’ Association ofIndia(FEDAI).RevaluationofforeigncurrencyassetsandliabilitiesasonBalanceSheetdate isdoneat theclosingexchangeratepublishedbyFEDAIandtheresultantprofit/lossisaccountedforintheProfit&LossAccount.

2.2 Outstanding Forward Foreign Exchange Contracts arestatedatcontractedratesandrevalued/markedtomarketas on quarterly basis and on Balance Sheet date at theexchangeratespublishedbyFEDAIforspecifiedmaturitiesby discounting the same at the applicable MIFOR ratepublishedbyFixedIncomeMoneyMarketandDerivativesAssociationofIndia[FIMMDA]-Reuter,i.e.onPV01basis.Theresultingprofit / loss,onrevaluation, is recognized intheProfit&LossAccountinaccordancewithRBI/FEDAIguidelinesandtheeffectistakento“OtherAssets”incaseofgainorto“OtherLiabilities”incaseofloss.

2.3 ContingentLiabilitiesonaccountofGuaranteesandLettersofCreditissuedinforeigncurrencyarestatedintheBalanceSheetattheclosingexchangeratespublishedbyFEDAI.

2.4 Credit exposure of the un-hedged foreign currencyexposure,ifany,oftheconstituentsshallattractprovisioningandcapitalrequirementsasperRBIguidelines.

3. Investments:

AsperReserveBankof Indiaguidelines, the investmentsareclassifiedandvaluedasunder:

3.1 Investmentsareclassifiedinthefollowingcategories:

a. HeldtoMaturity(HTM)

b. Availableforsale(AFS)

c. Heldfortrading(HFT)

57


3.2 ¬¸ž¸úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿¢›¸Ÿ›¸¸¿¢ˆÅ÷¸Žíª½¢µ¸¡¸¸ÊŸ¸Ê¨¸Š¸úÄˆ¼Å÷¸ˆÅúŠ¸ƒÄíÿÀ

ˆÅ. ¬¸£ˆÅ¸£úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿

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Š¸. ©¸½¡¸¬¸Ä

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3.3 ¤¸ÿˆÅ‚¢š¸ŠÏíµ¸ˆ½Å¬¸Ÿ¸¡¸œÏ÷¡¸½ˆÅ¢›¸¨¸½©¸ˆÅúª½µ¸ú÷¸¡¸ˆÅ£÷¸¸í¾‚¸¾£„¬¸ˆÅ¸¨¸Š¸úÄˆÅ£µ¸÷¸™›¸º¬¸¸£ˆÅ£÷¸¸í¾. ¢›¸™½©¸ˆÅŸ¸µ”¥¸ˆ½Å‚›¸ºŸ¸¸½™›¸¬¸½¨¸«¸ÄŸ¸Ê‡ˆÅ¤¸¸£¨¡¸¸œ¸¸£í½÷¸ºš¸¸¢£÷¸ª½µ¸ú(‡\¸’ú‡ûÅ)¬¸½¢¨¸ÇÅ¡¸í½÷¸º„œ¸¥¸¤š¸(‡‡ûÅ‡¬¸)ª½µ¸úŸ¸Ê‚¿÷¸£µ¸ˆÅ£›¸½ˆ½Å‚¥¸¸¨¸¸œÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸‚¿÷¸£µ¸‡ˆÅª½µ¸ú¬¸½™»¬¸£úª½µ¸úŸ¸Ê,‚¿÷¸£µ¸ˆ½Å¢™›¸¸¿ˆÅœ¸£¤¸¸]¸¸£Ÿ¸»¥¡¸/¤¸íúŸ¸»¥¡¸/‚¢š¸ŠÏíµ¸¥¸¸Š¸÷¸Ÿ¸Ê¬¸½›¡¸»›¸÷¸Ÿ¸œ¸£¢ˆÅ¡¸¸]¸¸÷¸¸í¾.‡½¬¸½‚¿÷¸£µ¸œ¸£Ÿ¸»¥¡¸Ý¸¬¸,¡¸¢™ Å¸½ƒÄí¾, Å¸œÏ¸¨¸š¸¸›¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾‚¸¾£œÏ¢÷¸ž¸»¢÷¸ Å¸¤¸íúŸ¸»¥¡¸÷¸™›¸º¬¸¸£¬¸Ÿ¸¸¡¸¸½¢]¸÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸ÊŸ¸Ê ¢Ÿ¸¥¸ú‚›¸ºŸ¸¢÷¸ˆ½Å‚›¸º¬¸¸£œÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸‚¿÷¸£µ¸‡ˆÅª½µ¸ú¬¸½™»¬¸£úª½µ¸úŸ¸Ê¢ˆÅ¡¸¸]¸¸÷¸¸í¾.‚œ¸¨¸¸™¸÷Ÿ¸ˆÅœ¸¢£¦¬˜¸¢÷¸¡¸¸Ê]¸¾¬¸½ ¢ˆÅ÷¸£¥¸÷¸¸ˆÅú]¸¢’¥¸¦¬˜¸¢÷¸ˆ½ÅˆÅ¸£µ¸90¢™›¸¸ÊŸ¸ÊœÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Å¸½¤¸½\¸›¸½Ÿ¸Ê¬¸®¸Ÿ¸›¸íú¿í¸½›¸½ ½Å Å¸£µ¸¡¸¸Š¸¿ž¸ú£„÷¸¸£-\¸[õ¸¨¸¡¸¸¤¸¸]¸¸£ˆ½Å¢™©¸¸íú›¸í¸½]¸¸›¸½ˆÅú¦¬˜¸¢÷¸Ÿ¸Êíú¢›¸¨¸½©¸¸ÊˆÅ¸‚¿÷¸£µ¸/œ¸¢£¨¸÷¸Ä›¸¨¡¸¸œ¸¸£í½÷¸ºš¸¸¢£÷¸ª½µ¸ú(‡\¸’ú‡ûÅ)¬¸½¢¨¸ÇÅ¡¸í½÷¸º„œ¸¥¸¤š¸(‡‡ûÅ‡¬¸)ª½µ¸úŸ¸Ê¢ˆÅ¡¸¸]¸¸÷¸¸í¾.

3.4 £½œ¸¸½/ ¢£¨¸¬¸Ä £½œ¸¸½

¤¸ÿˆÅ›¸½Ÿ¸¸ˆ½ÄÅ’£½œ¸¸½‚¸¾£¢£¨¸¬¸Ä£½œ¸¸½¬¸¿¨¡¸¨¸í¸£¸Êˆ½Å¥¸½‰¸¸¿ˆÅ›¸ˆ½Å¢¥¸‡ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ ×¸£¸ ¢›¸¢™Ä«’ ‡ˆÅ¬¸Ÿ¸¸›¸ ¥¸½‰¸¸¿ˆÅ›¸ œÏ¢ÇÅ¡¸¸ ˆÅ¸½ ‚œ¸›¸¸¡¸¸ í¾. £½œ¸¸½ ‚¸¾£ ¢£¨¸¬¸Ä£½œ¸¸½ ¬¸¿¨¡¸¨¸í¸£¸ÊˆÅ¸½ ¬¸íŸ¸÷¸©¸÷¸¸½ô œ¸£ œ¸º›¸‰¸Ä£ú™úˆÅ£¸£ˆ½Å¬¸¸˜¸¬¸í¸¡¸ˆÅ„š¸¸£ú/„š¸¸£úœ¸¢£\¸¸¥¸›¸¸Êˆ½Å³Åœ¸Ÿ¸ÊŸ¸¸›¸¸Š¸¡¸¸í¾.£½œ¸¸½ˆ½Å‚¿÷¸Š¸Ä÷¸¤¸½\¸úŠ¸ƒÄœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸½¢›¸¨¸½©¸ˆ½Å‚¿÷¸Š¸Ä÷¸™©¸¸Ä›¸¸]¸¸£ú£‰¸¸Š¸¡¸¸í¾‚¸¾£¢£¨¸¬¸Ä£½œ¸¸½ˆ½Å‚¿÷¸Š¸Ä÷¸‰¸£ú™úŠ¸ƒÄœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸½¢›¸¨¸½©¸Ÿ¸Ê©¸¸¢Ÿ¸¥¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾.¤¸ˆÅ¸¡¸¸£½œ¸¸½/’Ÿ¸Ä£½œ¸¸½ˆÅ¸½„š¸¸£úˆ½Å³Åœ¸Ÿ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾‚¸¾£¤¸ˆÅ¸¡¸¸¢£¨¸¬¸Ä£½œ¸¸½ˆÅ¸½†µ¸™¸›¸ˆ½Å³Åœ¸Ÿ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾.¥¸¸Š¸÷¸‚¸¾££¸]¸¬¨¸ˆÅ¸¥¸½‰¸¸¿ˆÅ›¸¡¸˜¸¸œÏ¬¸¿Š¸¤¡¸¸]¸¨¡¸¡¸/‚¸¡¸ˆ½Å³Åœ¸Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸í¾.

3.5 ¢›¸¨¸½©¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸›¸ À

ˆÅ. œ¸¢£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¢£÷¸

i) `œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅš¸¸¢£÷¸'œÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸Ÿ¸»¥¡¸›¸‚¸¾¬¸÷¸¥¸¸Š¸÷¸œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.]¸¤¸ ˆÅž¸ú œÏ¢÷¸ž¸»¢÷¸ ˆÅú ¥¸¸Š¸÷¸‚¿¢ˆÅ÷¸ Ÿ¸»¥¡¸ ¬¸½ ‚¢š¸ˆÅ í¸½÷¸ú í¾ ÷¸¸½ œÏú¢Ÿ¸¡¸Ÿ¸ ˆÅ¸œ¸¢£©¸¸½š¸›¸ œ¸¢£œ¸Æ¨¸÷¸¸ˆÅú©¸½«¸‚¨¸¢š¸ Ÿ¸Ê ¬¸£¥¸£½‰¸¸ œ¸Ö¢÷¸ˆ½Å‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸]¸¸÷¸¸í¾.¢›¸¨¸½©¸ˆÅú™©¸¸Ÿ¸Ê]¸¤¸ž¸ú¥¸¸Š¸÷¸Ÿ¸»¥¡¸‚¿¢ˆÅ÷¸Ÿ¸»¥¡¸¬¸½ˆÅŸ¸í¸½÷¸¸í¾÷¸¸½‚¿÷¸£œ¸£š¡¸¸›¸›¸íú¿¢™¡¸¸]¸¸÷¸¸.

ii) ¬¸í¸¡¸ˆÅ ¿Åœ¸¢›¸¡¸¸Ê‚¸¾£¬¸¿¡¸ºÆ÷¸„Ô¸Ÿ¸¸ÊŸ¸Ê¢ˆÅ‡Š¸‡¢›¸¨¸½©¸ ½ÅŸ¸¸Ÿ¸¥¸½Ÿ¸Ê¢›¸¨¸½©¸Ÿ¸»¥¡¸Ÿ¸Ê‚¸ƒÄ¬˜¸¸¡¸úˆÅŸ¸úˆÅ¸‚¢ž¸¢›¸š¸¸Ä£µ¸œ¸£„¬¸ˆÅ¸œÏ¸¨¸š¸¸›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.®¸½°¸ú¡¸ŠÏ¸Ÿ¸úµ¸¤¸ÿˆÅ¸Êˆ½Å¢›¸¨¸½©¸ˆÅ¸Ÿ¸»¥¡¸›¸£‰¸¸¨¸¥¸¸Š¸÷¸œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

iii) ƒ¬¸ª½µ¸úŸ¸Ê ¢›¸¨¸½©¸ˆ½Å ¢¨¸ÇÅ¡¸œ¸£(ˆÅ) ¢›¸¨¸¥¸¥¸¸ž¸ˆÅ¸½ œ¸í¥¸½¥¸¸ž¸í¸¢›¸‰¸¸÷¸½ Ÿ¸Ê¥¸½‰¸¸¤¸š™ ¢ˆÅ¡¸¸Š¸¡¸¸‚¸¾£„¬¸ˆ½Å¤¸¸™¥¸¸Š¸»ˆÅ£¸Ê÷¸˜¸¸¬¸¿¢¨¸¢š¸ˆÅ ¢›¸¢š¸¡¸¸Ê¬¸½ ¢›¸¨¸¥¸¥¸¸ž¸ˆÅ¸½`œ¸»¿]¸ú‚¸£¢®¸¢÷¸‰¸¸÷¸½'Ÿ¸Ê¢›¸¨¸½©¸¢ˆÅ¡¸¸‚¸¾£(‰¸)¢›¸¨¸¥¸í¸¢›¸ˆÅ¸½¥¸¸ž¸¨¸í¸¢›¸‰¸¸÷¸½Ÿ¸ÊœÏž¸¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‰¸. ¢¤ÏÇÅúí½÷¸º„œ¸¥¸¤š¸À

ƒ¬¸ª½µ¸úˆ½Å‚¿÷¸Š¸Ä÷¸¨¸¾¡¸¢Æ÷¸ˆÅœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸½¢÷¸Ÿ¸¸íú‚¸š¸¸£œ¸£¤¸¸]¸¸£ˆÅ¸½‚¿¢ˆÅ÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.ˆÊÅÍ/£¸]¡¸¬¸£ˆÅ¸£ˆÅúœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸Ÿ¸»¥¡¸›¸ ¢ûÅŸ”¸×¸£¸‹¸¸½¢«¸÷¸¤¸¸]¸¸£Ÿ¸»¥¡¸œ¸£¢ˆÅ¡¸¸Š¸¡¸¸.‚›¡¸‚›¸ºŸ¸¸½¢™÷¸œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê,†µ¸œ¸°¸¸Ê‚¸¾£¤¸¸Á›”¸ÊˆÅ¸Ÿ¸»¥¡¸›¸¥¸¸ž¸ˆÅ¨¸Ä,‚¸¾¬¸÷¸†µ¸‚¿÷¸££½¢’¿Š¸‚¸¾£ ¢ûÅŸ”¸×¸£¸¬¸º^¸¸¡¸úŠ¸ƒÄ œ¸Ö¢÷¸ˆ½Å‚›¸º¬¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.ˆÅ¸½’¢ˆÅ‡Š¸‡©¸½¡¸£¸ÊˆÅ¸Ÿ¸»¥¡¸›¸¤¸¸]¸¸£™£¸Êœ¸£¢ˆÅ¡¸¸Š¸¡¸¸. Å¸½’›¸¢ˆÅ‡Š¸‡©¸½¡¸£¸Ê Å¸Ÿ¸»¥¡¸›¸„œ¸¥¸¤š¸›¸¨¸ú›¸÷¸Ÿ¸÷¸º¥¸›¸œ¸°¸‚˜¸¸Ä÷¸‡ˆÅ™Ÿ¸¢œ¸Ž¥¸½ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸œ¸°¸ Ÿ¸Ê‚¿¢ˆÅ÷¸ ¤¸íúŸ¸»¥¡¸ˆ½Å‚›¸º¬¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸í¾‚¸¾£ ¡¸¢™›¸¨¸ú›¸÷¸Ÿ¸÷¸º¥¸›¸œ¸°¸„œ¸¥¸¤š¸›¸íú¿í¾÷¸¸½ƒ¬¸ˆÅ¸Ÿ¸»¥¡¸›¸²Å.1/-œÏ¢÷¸ˆ¿Åœ¸›¸ú/¦¬ÇÅœ¸œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

3.2 All the securitiesare further classified in the followingsixbaskets:

a. GovernmentSecuritiesb. OtherapprovedSecuritiesc. Sharesd. DebenturesandBondse. SubsidiariesandJointVenturesf. Others(CommercialPapers,MutualFundUnitsetc.)

3.3 Bank decides the category of each investment at the time ofacquisition and classifies the same accordingly. Shifting ofsecurities from one category to another, other than shifting /transferfromHFTtoAFScategory,isdoneonceinayearwiththe approval of Board of Directors, at the least of acquisitioncost / book value / market value on the date of shifting. Thedepreciation,ifany,onsuchshiftingisprovidedforandthebookvalue of the security is adjusted accordingly. The transfer ofsecuritiesfromonecategorytoanotherismadeasperpermissionfrom or guidelines of RBI. Transfer / shifting of investmentsfromHFT toAFScategorywillbeexecutedunderexceptionalcircumstances, like not being able to sell the securitieswithin90daysduetotightliquidityconditions,orextremevolatility,ormarketbecomingunidirectional.

3.4 REPO / Reverse REPO

The Bank has adopted the Uniform Accounting Procedureprescribed by the RBI for accounting of market Repo andReverse Repo transactions. Repo and Reverse Repotransactionsare treatedasCollateralizedBorrowing /LendingOperations with an agreement to repurchase on the agreedterms.SecuritiessoldunderRepoarecontinued tobeshownunder investment and Securities purchased under ReverseRepoarenotincludedininvestment.OutstandingRepo/TermRepoisdisclosedasborrowingandoutstandingReverseRepoisdisclosedaslending.Costsandrevenuesareaccountedforasinterestexpenditure/income,asthecasemaybe.

3.5 Valuation of investments:

a. Held to Maturity:

(i) Securities under the category ‘Held toMaturity’ are valued ataveragecost.Wherever thecostofsecurity ishigher than thefacevalue,thepremiumisamortizedovertheremainingperiodofmaturityonstraightlinebasis.Incaseofinvestments,wherethe cost price is less than the face value, the difference isignored.

(ii) In case of investments in subsidiaries and joint venturespermanentdiminution invalue is recognizedandprovided for;investmentinRRBisvaluedatcarryingcost.

(iii) Onsaleofinvestmentsinthiscategory(a)thenetprofitisinitiallytakentoprofitandlossaccountandthereaftersuchprofitnetofapplicabletaxesandproportionatetransfertostatutoryreserveisappropriatedtothe‘CapitalReserveaccount’;and(b)thenetlossischargedtotheProfit&LossAccount.

b. Available for Sale:

The individual securities under this category are markedto market on a quarterly basis. Central / State GovernmentsecuritiesarevaluedatmarketratesdeclaredbyFIMMDA.Otherapprovedsecurities,debenturesandbondsarevaluedaspertheyieldcurve,averagecreditspreadratingandmethodologysuggested by FIMMDA. Quoted shares are valued at marketrates.Unquoted shares are valued at book value ascertainedfrom the latest availableBalanceSheet i.e. BalanceSheet ofimmediateprecedingyearandincasethelatestBalanceSheetis not available, the same is valued at Re.1/- per company /scrip.


58

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Š¸¡¸¸í¾‚¸¾£œÏ÷¡¸½ˆÅŸ¸¸íƒ›íÊ¤¸¸]¸¸£ˆÅ¸½‚¿¢ˆÅ÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.£¸]¡¸/ˆ½Å›Í¬¸£ˆÅ¸£ ˆ½Å œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸›¸ ž¸¸£÷¸ú¡¸ ¦¬˜¸£‚¸¡¸ Ÿ¸ºÍ¸ ¤¸¸]¸¸£‚¸¾£”½¢£¨¸½¢’¨¸¬¸¿‹¸(¢ûÅŸ¸”¸)×¸£¸‹¸¸½¢«¸÷¸¤¸¸]¸¸£™£¸Êˆ½Å‚›¸º¬¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.‚›¡¸‚›¸ºŸ¸¸½¢™÷¸œÏ¢÷¸ž¸»¢÷¸¡¸¸¿‚¸¾£¢”¤¸Ê\¸£÷¸˜¸¸¤¸¸Á›”¸ÊˆÅ¸Ÿ¸»¥¡¸›¸‚¸¡¸ˆÅ¨¸Ä,‚¸¾¬¸÷¸†µ¸‚¿÷¸££½¢’¿Š¸‚¸¾£¢ûÅŸ”¸×¸£¸¬¸º^¸¸¡¸úŠ¸ƒÄœ¸Ö¢÷¸¬¸½¢ˆÅ¡¸¸Š¸¡¸¸í¾.ˆÅ¸½’¢ˆÅ‡Š¸‡©¸½¡¸£¸ÊˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸¤¸¸]¸¸£™£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

ii. ¤¸’Ã’¸ˆ¼Å÷¸¢¥¸‰¸÷¸¸ÊŸ¸Ê¢›¸¨¸½©¸‚˜¸¸Ä÷¸‰¸]¸¸›¸¸¢¤¸¥¸,]¸Ÿ¸¸ˆÅ¸œÏŸ¸¸µ¸œ¸°¸‚¸¾£¨¸¸¢µ¸¦]¡¸ˆÅ œÏœ¸°¸,]¸ú£¸½ˆ»Åœ¸›¸ ¤¸¸Á›”ˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸£‰¸¸¨¸¥¸¸Š¸÷¸ œ¸£ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.Ÿ¡¸º\¸º‚¥¸û¿Å”¢¥¸‰¸÷¸¸ÊˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸„›¸ˆÅú„œ¸¥¸¤š¸÷¸÷¸¸ˆ½Å‚¸š¸¸£œ¸£¤¸¸]¸¸£™£¸Ê¡¸¸œ¸º›¸‰¸Ä£ú™úŸ¸»¥¡¸¡¸¸ ¢›¸¨¸¥¸‚¸¦¬÷¸Ÿ¸»¥¡¸ˆ½Å‚¸š¸¸£œ¸£¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. œÏ¢÷¸ž¸»¢÷¸ £¬¸ú™/œÏ¢÷¸ž¸»¢÷¸ œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ ¤¸½\¸ú Š¸ƒÄ¢¨¸î¸ú¡¸‚¸¦¬÷¸¡¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê‚¸¦¬÷¸œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ˆ¿Åœ¸¢›¸¡¸¸Ê×¸£¸]¸¸£úœ¸ú’ú¬¸úŸ¸Ê¢›¸¨¸½©¸ˆÅ¸½¢¨¸î¸ú¡¸‚¸¦¬÷¸ˆ½ÅœÏ¢÷¸™¸›¸Ÿ¸»¥¡¸‚¸¾£¢›¸¨¸¥¸¤¸íúŸ¸»¥¡¸(‚˜¸¸Ä÷¸¤¸¢íŸ¸»¥¡¸(-)š¸¸¢£÷¸œÏ¸¨¸š¸¸›¸)Ÿ¸Ê¬¸½ˆÅŸ¸œ¸£‚¸Š¸½¥¸¸¡¸¸Š¸¡¸¸í¾.

iii. ¢›¸¨¸¥¸ ¬¸Ÿ¸»í¨¸¸£ Ÿ¸»¥¡¸Ý¸¬¸, ¡¸¢™ ˆÅ¸½ƒÄ í¾, ˆÅ¸½ ¥¸¸ž¸-í¸¢›¸‰¸¸÷¸½ Ÿ¸Ê œÏž¸¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾‚¸¾£™¸¢¡¸÷¨¸œ¸®¸Ÿ¸Ê¢›¸¨¸½©¸(¨¡¸¸œ¸¸£í½÷¸ºš¸¸¢£÷¸)œ¸£Ÿ¸»¥¡¸Ý¸¬¸í½÷¸ºœÏ¸¨¸š¸¸›¸ˆÅ¸½]¸Ÿ¸¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.¡¸¢™ˆÅ¸½ƒÄ¢›¸¨¸¥¸¨¸¼¢ÖíºƒÄí¾÷¸¸½„¬¸½Ž¸½”õ¢™¡¸¸Š¸¡¸¸í¾.ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸ÊˆÅú‚œ¸½®¸¸ˆÅ¸½Ž¸½”õˆÅ£œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ˆ½Åœ¸ä¸¸÷¸œÏ¢÷¸ž¸»¢÷¸¡¸¸Êˆ½Å¤¸íúŸ¸»¥¡¸ˆÅ¸½¤¸™¥¸¸›¸íú¿Š¸¡¸¸í¾.

iv. ƒ¬¸ª½µ¸úŸ¸Ê¢›¸¨¸½©¸ˆ½Å¢¨¸ÇÅ¡¸œ¸£„÷œ¸››¸¥¸¸ž¸¡¸¸í¸¢›¸ˆÅ¸½¥¸¸ž¸-í¸¢›¸‰¸¸÷¸½Ÿ¸Ê¥¸½‰¸¸¤¸Ö¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‹¸. œ¸º›¸Š¸Ä¢“÷¸ ¢›¸¨¸½©¸¸Ê œ¸£©¸¸¢Ÿ¸¥¸ ¢›¸¨¸½©¸¸Ê œ¸£ œÏ¸¨¸š¸¸›¸‚¸¾£„›¸ˆÅ¸ ¨¸Š¸úÄˆÅ£µ¸¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ×¸£¸]¸¸£ú ¢™©¸¸¢›¸™½Ä©¸¸Ê‚¸¾£„›¸ˆ½Å×¸£¸ ¢›¸š¸¸Ä¢£÷¸¢¨¸¨¸½ˆÅœ¸»µ¸ÄŸ¸¸›¸™¿”¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸í¾.

Œ.œÏ¢÷¸ž¸»¢÷¸¡¸¸Êˆ½Å‚¢š¸ŠÏíµ¸ˆ½Å¬¸Ÿ¸¡¸„œ¸¢\¸÷¸¥¸¸Š¸÷¸]¸¾¬¸½¢ˆÅ™¥¸¸¥¸ú,ûÅú¬¸,ˆÅŸ¸ú©¸›¸,ˆÅ£ƒ÷¡¸¸¢™ˆÅ¸œ¸»¿]¸úˆÅ£µ¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

Investmentsindiscountedinstruments,viz.TreasuryBills,CertificateofDeposits,CommercialPapers,ZeroCouponBondsarevaluedatcarryingcost.MutualFundInstrumentsare valued at market rate or repurchase price or netasset value in that order depending on their availability.Investments in Security Receipts (SRs) / Pass ThroughCertificates (PTCs) issued by Asset ReconstructionCompanies(ARCs) in respect of financial assets sold toARCsarecarriedatlowerofredemptionvalueandnetbookvalue (i.e.bookvalue lessprovisionheld)of thefinancialassets.

Based on the above valuation under each of six-subclassificationsunder`AvailableforSale’:

(i) Ifitresultsinappreciation,thesameisignored.

(ii) If it results in net depreciation, the same is chargedtoProfit&LossaccountandcreditedtoProvisionforDepreciationonInvestments(AFS)intheliabilityside.

Provided that, depreciation, if any, on equity sharesallotted consequent to implementation of StrategicDebtRestructuring(SDR)shallbeprovidedforoveramaximumof4calendarquartersonstraightlinebasisfromthedateofconversionofdebtintoequity.

(iii) Thebookvalueofsecuritiesisnotchangedinrespectofmarkedtomarket(MTM)exceptasrequiredbytheRBIguidelines.

(iv) ProfitorLossonsaleofinvestmentinthiscategoryisaccountedforintheProfitandlossaccount.

c. Held for Trading:

(i) The individual securities under this category are heldat original cost and are marked to market every month.Central/StateGovernmentsecuritiesarevaluedatmarketrates declared by FIMMDA. Other approved securities,debenturesandbondsare valuedasper theyield curve,average credit spread rating andmethodology suggestedbyFIMMDA.QuotedSharesarevaluedatmarketrates.

(ii) Investments in discounted instruments, viz. TreasuryBills, Certificate of Deposits, Commercial Papers, ZeroCoupon Bonds are valued at carrying cost. Mutual FundInstruments are valued at market rate or repurchaseprice or net asset value in that order depending on theiravailability. Investments inSRs /PTCs issuedbyARCs inrespectoffinancialassetssoldtoARCsarecarriedatlowerofredemptionvalueandnetbookvalue(i.e.bookvaluelessprovisionheld),ofthefinancialassets.

(iii) Netbasket-wisedepreciation ifany, ischargedtoProfit&LossAccountandcreditedtoProvisiononDepreciationonInvestment(HFT)underliability.Netappreciation,ifanyisignored.The book value of the securities is not changedafterrevaluationexceptasrequiredbytheRBIguidelines.

(iv) Profit or loss on sale of investment in this category isaccountedforintheProfit&LossAccount.

d. Classification of and provisions on investments, including onrestructured investments, are made in accordance with theprudentialnormsprescribedbyandguidelinesofRBIfromtimetotime.

e. Costssuchasbrokerage,fees,commission,taxesetc.incurredatthetimeofacquisitionofsecuritiesarecapitalized.

59


\¸. ¤¡¸¸]¸™£¬¨¸¾œ¸À

i) Ÿ¸»¥¡¸¸¿ˆÅ›¸ À

ˆÅ) í½¢]¸¿Š¸¬¨¸¾œ¸À‚¸¦¬÷¸‚¸¾£™½¡¸÷¸¸‚¸Êˆ½Å¢¥¸‡í½¢]¸¿Š¸¤¡¸¸]¸™£¬¨¸¾œ¸ˆÅ¸½¤¸¸]¸¸£ˆ½Å¢¥¸‡‚¿¢ˆÅ÷¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‰¸)’ï½¢”¿Š¸¬¨¸¾œ¸À’ï½¢”¿Š¸ˆ½Å„Ó½©¡¸í½÷¸º ¤¡¸¸]¸™£¬¨¸¾œ¸ˆÅ¸½ ¤¸¸]¸¸£ˆÅ¸½‚¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.

ii) ”½¢£¨¸½¢’¨¸¬¸¸¾™¸Êœ¸£‚¸¡¸ˆÅ¸¥¸½‰¸¸¿ˆÅ›¸À

ˆÅ) í½¢]¸Š¸ ¬¨¸¾œ¸À‚¸¡¸ ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ ¨¸¬¸»¥¸ú ˆ½Å‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. ¡¸¢™ ˆÅ¸½ƒÄ¢›¸¢ä¸÷¸¢ˆÅ¡¸¸]¸¸›¸½¨¸¸¥¸¸‰¸\¸Äí¾÷¸¸½„¬¸ˆÅ¸¥¸½‰¸¸¿ˆÅ›¸¬¸¿\¸¡¸ú‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‰¸)’ï½¢”¿Š¸¬¨¸¾œ¸À¢›¸œ¸’¸£¸¢™›¸¸¿ˆÅœ¸£¨¸¬¸»¥¸úˆ½Å‚¸š¸¸£œ¸£‚¸¡¸‚¸¾£‰¸\¸ÄˆÅ¸¥¸½‰¸¸¿ˆÅ›¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

(iii)¬¨¸¾œ¸¬¸Ÿ¸¸¦œ÷¸œ¸£‚¸¡¸¡¸¸í¸¢›¸ˆÅ¸¥¸½‰¸¸À

ˆÅ) í½¢]¸¿Š¸¬¨¸¾œ¸À ¬¸Ÿ¸¸œ÷¸íº‡¬¨¸¾œ¸œ¸£íºƒÄ¢ˆÅ¬¸úž¸úí¸¢›¸¡¸¸¥¸¸ž¸ˆÅ¸½(ˆÅ)¬¨¸¾œ¸ˆÅú©¸½«¸¤¸\¸ú¬¸¿¢¨¸™¸÷Ÿ¸ˆÅ‚¨¸¢š¸¡¸¸(‰¸)‚¸¦¬÷¸/™½¡¸÷¸¸ˆÅú©¸½«¸‚¨¸¢š¸,]¸¸½ž¸úˆÅŸ¸í¸½,ˆÅú‚¨¸¢š¸ˆ½Å¢¥¸‡¬¨¸úˆÅ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‰¸) ’ï½¢”¿Š¸¬¨¸¾œ¸À¬¨¸¾œ¸¬¸Ÿ¸¸¦œ÷¸œ¸£¢ˆÅ¬¸úž¸ú¥¸¸ž¸¡¸¸í¸¢›¸ˆÅ¸½¬¨¸¾œ¸¬¸Ÿ¸¸¦œ÷¸ˆ½Å¨¸«¸ÄŸ¸Êíú‚¸¡¸¡¸¸‰¸\¸Äˆ½Å³Åœ¸Ÿ¸Ê¬¨¸úˆÅ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

4. ‚¢ŠÏŸ¸À

4.1 ™©¸¸Ä‡Š¸‡‚¢ŠÏŸ¸¤¸’Ã’½”¸¥¸½Š¸¡¸½‰¸¸÷¸¸Ê,‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Êí½÷¸º¢ˆÅ‡Š¸‡œÏ¸¨¸š¸¸›¸,†µ¸Š¸¸£¿’ú¬¸¿¬˜¸¸›¸¸Ê¬¸½¢›¸œ¸’¸‡Š¸‡™¸¨¸¸Ê,œ¸º›¸ž¸¸ô¢]¸÷¸¢¤¸¥¸¸Ê‚¸¾£œ¸º›¸Š¸Ä¢“÷¸‚¢ŠÏŸ¸¸Êˆ½Å¢¥¸‡„¢\¸÷¸Ÿ¸»¥¡¸Ÿ¸Ê‚¨¸›¸¢÷¸ˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸ˆÅ¸¢›¸¨¸¥¸í¾.

4.2 œÏ¸¨¸š¸¸›¸¸Ê‚¸¾£‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¨¸Š¸úÄˆÅ£µ¸ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ×¸£¸ ¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸ œ¸£¢¨¸¢›¸¢™Ä«’¢¨¸¨¸½ˆÅœ¸»µ¸ÄŸ¸¸›¸™¿”¸Ê‚¸¾£¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

4.3 œ¸º›¸¢›¸Äš¸¸Ä¢£÷¸Ÿ¸¸›¸ˆÅ‚¢ŠÏŸ¸¸Êœ¸£œÏ¸¨¸š¸¸›¸ˆÅ¸½Ž¸½”õˆÅ£‚]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¸¨¸š¸¸›¸ˆÅ¸½"‚›¡¸™½¡¸÷¸¸‚¸Ê¨¸œÏ¸¨¸š¸¸›¸"©¸ú«¸ÄŸ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾I

4.4 œ¸º›¸¢›¸Äš¸¸Ä¢£÷¸/œ¸º›¸¬¸ô£¢\¸÷¸‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê,œ¸º›¸Š¸Ä¢“÷¸‚¢ŠÏŸ¸¸Êˆ½Å„¢\¸÷¸Ÿ¸»¥¡¸Ÿ¸Ê‚¨¸›¸¢÷¸ˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆÅú¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¨¸÷¸ÄŸ¸¸›¸Ÿ¸»¥¡¸‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

4.5 ‡¬¸”ú‚¸£ˆ½Å‚¿÷¸Š¸Ä÷¸‚¢ŠÏŸ¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê‚¢š¸ˆÅ÷¸Ÿ¸\¸¸£¢÷¸Ÿ¸¸¢í¡¸¸ÊˆÅú‚¨¸¢š¸ˆ½Åž¸ú÷¸£ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸ÊœÏ¸¨¸š¸¸›¸¢ˆÅ‡Š¸‡íÿ.

4.6 ‚¸¦¬÷¸œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ˆ¿Åœ¸›¸ú(‡‚¸£¬¸ú)/œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ˆ¿Åœ¸›¸ú(‡¬¸¬¸ú)ˆÅ¸½¤¸½\¸úŠ¸ƒÄ¢¨¸î¸ú¡¸‚¸¦¬÷¸¡¸¸Êˆ½ÅŸ¸¸Ÿ¸¥¸½ Ÿ¸Ê ¡¸¢™ ¢¨¸ÇÅ¡¸ ¢›¸¨¸¥¸¤¸íúŸ¸»¥¡¸(‡›¸¤¸ú¨¸ú)¬¸½‚¢š¸ˆÅŸ¸»¥¡¸œ¸£íº‚¸í¾÷¸¸½‚¢š¸©¸½«¸ˆÅ¸½£‰¸¸]¸¸÷¸¸í¾‚¸¾£‡¬¸¬¸ú/‡‚¸£¬¸úˆÅ¸½‚›¡¸¢¨¸î¸ú¡¸¬¸¿œ¸¢î¸¡¸¸ÊˆÅú¢¤¸ÇÅú¬¸½ˆÅŸ¸ú/í¸¢›¸ˆÅ¸½œ¸»£¸ˆÅ£›¸½ˆ½Å¢¥¸‡„œ¸¡¸¸½Š¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.¡¸¢™¢¨¸ÇÅ¡¸ ¢›¸¨¸¥¸¤¸íúŸ¸»¥¡¸(‡›¸¤¸ú¨¸ú)¬¸½ˆÅŸ¸Ÿ¸»¥¡¸(‚˜¸¸Ä÷¸¤¸ˆÅ¸¡¸¸¬¸½ˆÅŸ¸œÏ¸¨¸š¸¸›¸) œ¸£íº‚¸í¾,÷¸¸½ˆÅŸ¸úˆÅ¸½¥¸¸ž¸‚¸¾£í¸¢›¸‰¸¸÷¸½ ¬¸½ ›¸¸Ÿ¸½ ¢ˆÅ¡¸¸]¸¸÷¸¸í¾.÷¸˜¸¸¢œ¸‚Š¸£‚¢š¸©¸½«¸„œ¸¥¸¤š¸í¾÷¸¸½ƒ›¸ˆÅ¢Ÿ¸¡¸¸ÊˆÅ¸½‚¢š¸©¸½«¸×¸£¸‚¨¸©¸¸½¢«¸÷¸ˆÅ£¢¥¸¡¸¸]¸¸‡Š¸¸.‡›¸œ¸ú‡ˆÅú¢¤¸ÇÅúˆ½ÅˆÅ¸£µ¸¢ˆÅ¬¸úœÏˆÅ¸£ˆÅúˆÅŸ¸úˆÅ¸½‚¢š¸©¸½«¸×¸£¸‚¨¸©¸¸½¢«¸÷¸›¸¢ˆÅ‡]¸¸›¸½œ¸£„¬¸½™¸½ ¸«¸¸½ô Åú‚¨¸¢š¸ ½Å¤¸¸™œ¸¢£©¸¸½¢š¸÷¸¢ˆÅ¡¸¸]¸¸‡Š¸¸.

‡›¸œ¸ú‡ˆÅú¢¤¸ÇÅúˆ½ÅˆÅ¸£µ¸¢ˆÅ‡]¸¸›¸½¨¸¸¥¸½‚¢÷¸¢£Æ÷¸œÏ¸¨¸š¸¸›¸ˆÅ¸½÷¸ž¸ú¢£¨¸¬¸Ä¢ˆÅ¡¸¸]¸¸÷¸¸í¾]¸¤¸œÏ¸œ÷¸›¸ˆÅ™ú(‚¸£¿¢ž¸ˆÅœÏ¢÷¸ûÅ¥¸/¡¸¸‡¬¸‚¸£‡¬¸/œ¸ú’ú¬¸úˆ½ÅœÏ¢÷¸™¸›¸ˆ½Å×¸£¸)‚¸¦¬÷¸ˆ½Å¢¨¸ÇÅ¡¸¢›¸¨¸¥¸¤¸íúŸ¸»¥¡¸(‡›¸¤¸ú¨¸ú)¬¸½‚¢š¸ˆÅí¸½—‚¸¦¬÷¸¡¸¸Êˆ½Å‡›¸¤¸ú¨¸ú¬¸½‚¢š¸ˆÅˆÅú›¸ˆÅ™úˆÅú¬¸úŸ¸¸÷¸ˆÅíú‚¢÷¸¢£Æ÷¸œÏ¸¨¸š¸¸›¸ˆÅ¸¢£¨¸¬¸Ä¥¸¢ˆÅ¡¸¸]¸¸‡Š¸¸.

5. ¦¬˜¸£‚¸¦¬÷¸¡¸¸¿‡¨¸¿ Ÿ¸»¥¡¸Ý¸¬¸À5.1 œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¾£œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸Ÿ¸»¥¡¸œ¸£„¦¥¥¸¢‰¸÷¸ Å¢÷¸œ¸¡¸œ¸¢£¬¸£¸Ê Å¸½Ž¸½”õˆÅ£

œ¸¢£¬¸£‚¸¾£‚›¡¸¦¬˜¸£‚¸¦¬÷¸¡¸¸ÊˆÅ¸½¥¸¸Š¸÷¸œ¸£¥¸½‰¸¸¤¸Ö¢ˆÅ¡¸¸Š¸¡¸¸í¾.

5.2 œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸ ‚¸¦¬÷¸¡¸¸Ê, ¢]¸›¸ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê „\\¸ Ÿ¸»¥¡¸Ý¸¬¸ ƒ›¸ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸œ¸¢£¬¸¿œ¸¢î¸¡¸¸Ê ˆ½Å ‚›¸ºŸ¸¸¢›¸÷¸ „œ¸¡¸¸½Š¸ú ]¸ú¨¸›¸ ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸Š¸¸¡¸¸ ]¸¸÷¸¸ í¾, ˆÅ¸½Ž¸½”õˆÅ£¦¬˜¸£‚¸¦¬÷¸¡¸¸Ê(›¸ú\¸½„¦¥¥¸¢‰¸÷¸‚›¸º\Ž½™ 5.3‚¸¾£5.4Ÿ¸Ê„¦¥¥¸¢‰¸÷¸¬¸¿œ¸¢î¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)œ¸£Ÿ¸»¥¡¸Ý¸¬¸,Ý¸¬¸Ÿ¸¸›¸©¸½«¸œ¸š™¢÷¸¬¸½›¸ú\¸½„¦¥¥¸¢‰¸÷¸™£¸Êœ¸£¥¸Š¸¸¡¸¸Š¸¡¸¸í¾.

f. InterestRateSwaps:

(i) Valuation:(a) Hedging Swaps: InterestRateSwapsforhedgingassetsand

liabilitiesarenotmarkedtomarket.

(b) Trading Swaps: InterestRateSwaps for trading purpose aremarkedtomarket.

(ii) Accounting of income on derivative deals:(a) Hedging Swaps: Income is accounted for on realization

basis.Expenditure, ifany, isaccountedforonaccrualbasis, ifascertainable.

(b) Trading Swaps: Income or expenditure is accounted for onrealizationbasisonsettlementdate.

(iii) Accounting of gain or loss on termination of swaps: (a) Hedging Swaps:Any gain or loss on the terminated swap is

recognizedovertheshorterof(a)theremainingcontractuallifeoftheswapor(b)theremaininglifeoftheasset/liability.

(b) Trading Swaps: Any gain or loss on terminated swap isrecognizedasincomeorexpenditureintheyearoftermination.

4. Advances:4.1 Advancesshownarenetofwriteoffs,provisionsmadefornon-

performing assets, claims settled with the credit guaranteeinstitutions,provisionfordiminutioninfairvalueforrestructuredadvancesandbillsrediscounted.

4.2 Classification of advances and provisions thereon are madein accordance with the prudential norms prescribed by andguidelinesofRBIfromtimetotime.

4.3 Provisionforperformingassets,otherthanprovisiononstandardrestructuredadvances,isshownunderthehead“Otherliabilitiesandprovisions”.

4.4 In respect of Rescheduled/ Restructured accounts, provisionfordiminutioninfairvalueofrestructuredadvancesismadeonpresentvaluebasisasperRBIguidelines.

4.5 In respect of advances under SDR, provision is made inaccordancewithRBIguidelines,withinamaximumperiodoffourquarters.

4.6 IncaseoffinancialassetssoldtoAssetReconstructionCompany(ARC)/ Securitization Company (SC), if the sale is at a pricehigherthantheNBV,thesurplusisretainedandutilisedtomeettheshortfall/lossonaccountofsaleofotherfinancialassetstoSC/ARC.Ifthesaleisatapricebelowthenetbookvalue(NBV),(i.e.outstandinglessprovisionheld)theshortfallistobedebitedtotheProfitandLossaccount.Howeverifsurplusisavailable,suchshortfallwillbeabsorbedinthesurplus.AnyshortfallarisingduetosaleofNPAwillbeamortisedoveraperiodoftwoyearsifnotabsorbedinthesurplus.

ExcessprovisionarisingoutofsaleofNPAsarereversedonlywhen the cash received (by way of initial consideration only/or redemptionofSRS/PTC) ishigher than thenetbookvalue(NBV)oftheasset.ReversalofexcessprovisionwillbelimitedtotheextenttowhichcashreceivedexceedstheNBVoftheasset.

5. Fixed Assets and Depreciation:5.1 Premises and Other Fixed Assets are accounted for at cost

exceptforcertainpremises,whichwererevaluedandstatedatrevaluedamount.

5.2 Depreciationonfixedassets(otherthanthosereferredinpara5.3and5.4below) isprovided foron thediminishingbalancemethodattheratesspecifiedbelow,exceptincaseofrevaluedassets,inrespectofwhichhigherdepreciationisprovidedonthebasisofestimatedusefullifeoftheserevaluedassets.


60

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5 Ÿ¸¸½’£¨¸¸í›¸ 25.89

6 ¬¸½ûÅ¢”œ¸¸Á¢]¸’¨¸¸Á¥’ 13.91

7 ¤¸¸ƒÄ¢¬¸ˆÅ¥¸ 20.00

5.3 ˆ¿Åœ¡¸»’£¸Êœ¸£Ÿ¸»¥¡¸Ý¸¬¸¬¸£¥¸£½‰¸¸œ¸š™¢÷¸(‡¬¸‡¥¸‡Ÿ¸)¬¸½33.33%ˆÅú™£œ¸£¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ÷¸¸¢ˆÅ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å‚›¸º¬¸¸£‚¸¦¬÷¸ ˆÅ¸Ÿ¸»¥¡¸Ý¸¢¬¸÷¸Ÿ¸»¥¡¸÷¸ú›¸¨¸«¸¸½ôŸ¸Ê1²Åœ¸¡¸¸£í]¸¸‡.ˆÅŸœ¡¸»’£¸ÊŸ¸Ê¬¸¸É’¨¸½‚£,‡’ú‡Ÿ¸‚¸¾£¡¸»œ¸ú‡¬¸ž¸ú©¸¸¢Ÿ¸¥¸íÿ.

5.4¨¸«¸Äˆ½Å™¸¾£¸›¸‰¸£ú™úŠ¸ƒÄ¬¸¿œ¸¢î¸¡¸¸Êœ¸£œ¸»£½¨¸«¸ÄˆÅ¸Ÿ¸»¥¡¸Ý¸¬¸¥¸Š¸¸¡¸¸Š¸¡¸¸í¾.¨¸«¸Äˆ½Å™¸¾£¸›¸¤¸½\¸úŠ¸ƒÄ/÷¡¸¸Š¸úŠ¸ƒÄ¬¸¿œ¸¢î¸¡¸¸Êœ¸£ˆÅ¸½ƒÄŸ¸»¥¡¸Ý¸¬¸›¸íú¿¥¸Š¸¸¡¸¸Š¸¡¸¸í¾.

5.5œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¦¬÷¸¡¸¸Ê Åú¥¸¸Š¸÷¸ ½Å…œ¸£œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸£ˆÅŸ¸¬¸½¬¸¿¤¸¿¢š¸÷¸Ÿ¸»¥¡¸Ý¸¬¸¦¬˜¸£¬¸¿œ¸¢î¸ˆ½Å¤¸\¸½íº‡]¸ú¨¸›¸ˆ½Å‚¸š¸¸£œ¸£Ý¸¬¸Ÿ¸¸›¸©¸½«¸œ¸Ö¢÷¸ˆ½Å‚¸š¸¸£œ¸£¥¸Š¸¸¡¸¸ Š¸¡¸¸ í¾ ]¸¾¬¸¸ ¢ˆÅ „œ¸£¸½Æ÷¸ œ¸¾£¸ 5.2 Ÿ¸Ê „¥¥¸½‰¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ‚¸¾£ „¬¸½œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸ ‚¸£¢®¸¢÷¸ Ÿ¸Ê ¬¸Ÿ¸¸¡¸¸½¢]¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. œ¸»£ú ÷¸£í ¬¸½ Ÿ¸»¥¡¸Ý¸¢¬¸÷¸¬¸¿œ¸¢î¸¡¸¸Êœ¸£œ¸º›¸Ÿ¸»Ä¥¡¸›¸‚¸£¢®¸¢÷¸ˆÅ¸œ¸¢£©¸¸½š¸›¸‚›¸ºŸ¸¸½¢™÷¸Ÿ¸»¥¡¸¸¿ˆÅ›¸ˆÅ÷¸¸Ä‚¸Ê×¸£¸œÏŸ¸¸¢µ¸÷¸„›¸ˆ½Å©¸½«¸¤¸\¸½]¸ú¨¸›¸ˆ½Å‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

5.6 œ¸’Ã’½¨¸¸¥¸úž¸»¢Ÿ¸ˆÅ¸œ¸¢£©¸¸½š¸›¸œ¸’Ã’¸‚¨¸¢š¸Ÿ¸Ê¬¸£¥¸£½‰¸¸œ¸š™¢÷¸(‡¬¸‡¥¸‡Ÿ¸)œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

6. £¸]¸¬¨¸‚¢ž¸¢›¸š¸¸Ä£µ¸ À 6.1 ›¸ˆÅ™ú‚¸š¸¸£œ¸£¥¸½‰¸¸¤¸Ö¢›¸Ÿ›¸¸¿¢ˆÅ÷¸Ÿ¸™¸ÊˆÅ¸½Ž¸½”õˆÅ£,¬¸ž¸ú£¸]¸¬¨¸‚¸¾£¥¸¸Š¸÷¸¸Ê

ˆÅ¸½¬¸¿\¸¡¸ú‚¸š¸¸£œ¸£¥¸½‰¸¸¤¸š™¢ˆÅ¡¸¸Š¸¡¸¸í¾À-

ˆÅ. ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ×¸£¸¬¸Ÿ¸¡¸-¬¸Ÿ¸¡¸œ¸£]¸¸£ú¢ˆÅ‡Š¸‡¢¨¸¨¸½ˆÅœ¸»µ¸ÄŸ¸¸›¸™¿”¸Ê‚¸¾£¢™©¸¸¢›¸™½Ä©¸¸Ê ½Å‚›¸º¬¸¸£‚›¸]¸ÄˆÅ‚¸¦¬÷¸ ½Å³Åœ¸Ÿ¸Ê‚¢ž¸¢›¸š¸¸Ä¢£÷¸‚¢ŠÏŸ¸¸Ê‡¨¸¿¢›¸¨¸½©¸¸Êœ¸£¤¡¸¸]¸.

‰¸. ˆÅŸ¸ú©¸›¸¬¸½‚¸¡¸¡¸˜¸¸-Š¸¸£¿’ú,¬¸¸‰¸œ¸°¸,¬¸£ˆÅ¸£úˆÅ¸£¸½¤¸¸£,¤¸ÿˆÅ-¤¸úŸ¸¸ˆÅ¸£¸½¤¸¸£,Ÿ¡¸º\¸‚¥¸ûÅµ”¨¡¸¨¸¬¸¸¡¸,]¸¸£úÇ½Å¢”’‚¸¾£”½¢¤¸’ˆÅ¸”Ä‚¸¾£¥¸¸ÁˆÅ£¢ˆÅ£¸¡¸¸.

Š¸. ‰¸£ú™½Š¸‡÷¸˜¸¸ž¸¸¿¢]¸÷¸¢¤¸¥¸¸Êœ¸£‚¢÷¸™½¡¸‚¨¸¢š¸ˆ½Å¢¥¸‡¤¡¸¸]¸.

‹¸ ¤¸úŸ¸¸™¸¨¸½

\¸ ¢”¤¸Ê\¸£›¡¸¸¬¸ú¨¡¸¨¸¬¸¸¡¸œ¸£œ¸¸¢£ª¢Ÿ¸ˆÅ

Ž. †µ¸œÏ¢ÇÅ¡¸¸©¸º¥ˆÅ

]¸ ¨¡¸¸œ¸¸£ú¤¸ÿ¢ˆ¿ÅŠ¸œ¸¢£\¸¸¥¸›¸¨¸í¸Ÿ¸ú™¸£úˆÅŸ¸ú©¸›¸¬¸½‚¸¡¸

^¸ ƒ¿’£›¸½’¤¸ÿ¢ˆ¿ÅŠ¸ˆ½ÅŸ¸¸š¡¸Ÿ¸¬¸½¡¸»¢’¢¥¸’ú¢¤¸¥¸ž¸ºŠ¸÷¸¸›¸¬¸½¨¸¸‚¸Êœ¸£œÏ¸œ÷¸¬¸¿¨¡¸¨¸í¸£œÏ¬¸¿¬ˆÅ£µ¸©¸º¥ˆÅ

6.2 ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä¤¸ÿˆÅˆ½Å ¢™©¸¸›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸Ê‚¢÷¸™½¡¸]¸Ÿ¸¸£¸¢©¸¡¸¸Ê œ¸£™½¡¸¤¡¸¸]¸ Å¸œÏ¸¨¸š¸¸›¸ž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅ ½Å¢™›¸¸¿ˆÅ22.08.2008 ½Åœ¸¢£œ¸°¸ ½Å¢™›¸¸¿ˆÅ¬¸½„œ¸\¸¡¸‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾÷¸˜¸¸©¸½«¸ˆÅ¸œÏ¸¨¸š¸¸›¸›¸¨¸úˆÅ£µ¸ˆ½Å¬¸Ÿ¸¡¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

7. ˆÅŸ¸Ä\¸¸£ú ‚›¸º¥¸¸ž¸À

œ¸¢£ž¸¸¢«¸÷¸ ‚¿©¸™¸›¸¡¸¸½]¸›¸¸À œ¸¢£ž¸¸¢«¸÷¸ ‚¿©¸™¸›¸‚›¸º¥¸¸ž¸¡¸¸½]¸›¸¸‚¸Ê ˆ½Å‚¿÷¸Š¸Ä÷¸‚™¸¢ˆÅ‡ Š¸‡/‚™¸¢ˆÅ‡]¸¸›¸½¨¸¸¥¸½‚¿©¸™¸›¸ˆÅ¸½¥¸¸ž¸-í¸¢›¸‰¸¸÷¸½ˆÅ¸½ œÏž¸¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

œ¸¢£ž¸¸¢«¸÷¸ ‚›¸º¥¸¸ž¸¡¸¸½]¸›¸¸À œ¸¢£ž¸¸¢«¸÷¸‚›¸º¥¸¸ž¸¡¸¸½]¸›¸¸‚¸Ê í½÷¸º¤¸ÿˆÅ ˆÅú™½¡¸÷¸¸‚¸Ê ˆÅ¸¢›¸š¸¸Ä£µ¸ œÏ÷¡¸½ˆÅ ¢÷¸Ÿ¸¸íú/ ¢¨¸î¸ú¡¸ ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ „œ¸¢\¸÷¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ‚¸š¸¸£ œ¸£ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.¤¸úŸ¸¸¿¢ˆÅˆÅ ¥¸¸ž¸‚¸¾£í¸¢›¸ˆÅ¸½¥¸¸ž¸ ¨¸ í¸¢›¸‰¸¸÷¸½Ÿ¸Ê™©¸¸Ä¡¸¸Š¸¡¸¸í¾.

S.N. CategoryofAssetRateof

Depreciation(%)

1 Building&Premises 5.002 GeneralitemsincludingSafe 18.103 ElectricalEquipments 13.914 OfficeMachinery 13.915 MotorVehicles 25.896 SafeDepositVault 13.917 Bicycle 20.00

5.3 Oncomputers,depreciationisprovidedattherateof33.33%onStraightLineMethod(SLM)soastowritedowntheassetvalueinthreeyearstoRupeeOneasperRBIguidelines.Computersincludesoftware,ATMsandUPSalso.

5.4 Depreciation is provided for full year in respect of assetspurchased during the year. No depreciation is provided onassetssold/discardedduringtheyear.

5.5 Depreciation relating to revalued amount over and above thecostoftherevaluedassets,isprovidedondiminishingbalancemethodovertheresiduallifeofthefixedassetsasstatedinpara5.2andadjustedagainsttheRevaluationReserve.RevaluationReserve on fully depreciated properties is amortized on thebasisoftheirresiduallifeascertifiedbyapprovedvaluers.

5.6 Leasehold land cost is amortized over the period of lease onSLMbasis.

6. Revenue Recognition

6.1 Allrevenuesandcostsareaccountedforonaccrualbasisexceptthefollowingitems,whichareaccountedforoncashbasis:-

a. Interest on Advances and Investments identified as Non-Performing Assets according to the prudential norms andguidelinesissuedbyRBI,fromtimetotime.

b. Incomefromcommissionviz.,onGuarantees,LetterofCredit,Governmentbusiness,Bancassuarance,MutualFundbusiness,credit&debitcardsissuedandLockerRent.

c. Interest for overdue period on bills purchased and billsdiscounted.

d. Insuranceclaims.

e. RemunerationonDebentureTrusteeBusiness.

f. LoanProcessingFees.

g. Income from Merchant Banking Operations and UnderwritingCommission.

h. Transactionprocessingfeesreceivedonutilitybillpayservicesthroughinternetbanking.

6.2 Pursuant to RBI guidelines, the interest payable on overduetermdeposit isprovidedonaccrualbasisatSavingBankrateeffective from date of RBI circular dated 22.08.2008, and thebalanceatthetimeofrenewal.

7. Employees’ Benefits:

DefinedContributionPlan:Thecontributionpaid/payableunderdefined contribution benefit schemes are charged to Profit &LossAccount.

DefinedBenefitPlans:Bank’sliabilitiestowardsdefinedbenefitschemesaredeterminedonthebasisofanactuarialvaluationmadeattheendofeachquarter/financialyear.ActuarialgainsandlossesarerecognizedintheProfit&LossAccount.

61


8. ‚¸¦¬÷¸¡¸¸Ê ˆÅú í¸¢›¸ :

¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ×¸£¸ ]¸¸£ú ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 28 - ‚¸¦¬÷¸¡¸¸Ê ˆÅú ®¸¢÷¸, ˆ½Å ‚›¸º¬¸¸£ œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¦¬÷¸¡¸¸Ê¬¸¢í÷¸¦¬˜¸£‚¸¦¬÷¸¡¸¸Ê ˆÅú í¸¢›¸,¡¸¢™ˆÅ¸½ƒÄ í¾,ˆÅ¸½ ™©¸¸Ä¡¸¸Š¸¡¸¸í¾ ‚¸¾£ ¥¸¸ž¸ ¨¸ í¸¢›¸ ‰¸¸÷¸½ ˆÅ¸½ œÏž¸¸¢£÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾.

9. œÏ¸¨¸š¸¸›¸, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ‚¸¦¬÷¸:

ž¸¸£÷¸ú¡¸¬¸›¸™ú¥¸½‰¸¸ˆÅ¸£¬¸¿¬˜¸¸›¸×¸£¸]¸¸£úŸ¸¸›¸ˆÅ29"œÏ¸¨¸š¸¸›¸-‚¸ˆÅ¦¬Ÿ¸ˆÅ™½¡¸÷¸¸‚¸¾£‚¸ˆÅ¦¬Ÿ¸ˆÅ‚¸¦¬÷¸" ½Å‚›¸º¬¸¸£¤¸ÿˆÅ›¸½œÏ¸¨¸š¸¸›¸ Å¸¢›¸š¸¸Ä£µ¸ ½Å¨¸¥¸÷¸¤¸íú¢ˆÅ¡¸¸í¾]¸¤¸¢ˆÅ¬¸úœ¸»¨¸Ä‹¸’›¸¸ˆ½ÅˆÅ¸£µ¸„¬¸ˆÅ¸¨¸÷¸ÄŸ¸¸›¸Ÿ¸Ê™¸¢¡¸÷¨¸„÷œ¸››¸íº‚¸í¸½.¡¸í¬¸¿ž¸¨¸í¾¢ˆÅ™¸¢¡¸÷¨¸ˆÅ¸¢›¸œ¸’¸›¸ˆÅ£›¸½í½÷¸º‚¸¢˜¸ÄˆÅ¥¸¸ž¸¸Ê¬¸½¡¸ºÆ÷¸¬¸¿¬¸¸š¸›¸¸Êˆ½Å¤¸¸í£úœÏ¨¸¸íˆÅú‚¸¨¸©¡¸ˆÅ÷¸¸œ¸”õ½Š¸ú]¸¤¸™¸¢¡¸÷¨¸ˆÅú£ˆÅŸ¸ˆÅ¸¢¨¸æ¸¬¸›¸ú¡¸‚›¸ºŸ¸¸›¸¥¸Š¸¸¡¸¸]¸¸¬¸ˆ½ÅŠ¸¸.

¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸ÊŸ¸Ê‚¸ˆÅ¦¬Ÿ¸ˆÅ‚¸¦¬÷¸¡¸¸ÊˆÅ¸¢›¸š¸¸Ä£µ¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾Æ¡¸¸Ê¢ˆÅƒ¬¸ˆ½ÅˆÅ¸£µ¸‡½¬¸ú‚¸¡¸ˆÅ¸¢›¸š¸¸Ä£µ¸í¸½¬¸ˆÅ÷¸¸í¾]¸¸½ˆÅž¸ú¨¸¬¸»¥¸›¸íºƒÄí¸½.

10. ¢›¸¨¸¥¸¥¸¸ž¸,œÏ¸¨¸š¸¸›¸‡¨¸¿‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿À

œÏ¸¨¸š¸¸›¸‚¸¾£‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ Å£›¸½ ½Åœ¸ä¸¸÷¸¢›¸¨¸¥¸¥¸¸ž¸‹¸¸½¢«¸÷¸¢ˆÅ‡Š¸‡íÿ,¢]¸¬¸Ÿ¸Ê¢›¸¨¸½©¸ˆÅ¸Ÿ¸»¥¡¸,‚¸©¸¸½š¡¸†µ¸‚¸¾£ˆÅ£¸š¸¸›¸í½÷¸ºœÏ¸¨¸š¸¸›¸(‚¸¬˜¸¢Š¸÷¸ˆÅ£¬¸¢í÷¸)‚¸ˆÅ¢¬Ÿ¸ˆÅ÷¸¸‚¸½¿ /‚›¡¸ ÷¸˜¸¸ š¸¸½‰¸¸š¸”õú ˆ½Å ³Åœ¸ Ÿ¸½¿‚¢ž¸¢›¸š¸¸Ä¢£÷¸ Ÿ¸¸Ÿ¸¥¸¸½¿ ¬¸¢í÷¸‚¢ŠÏŸ¸¸Êˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸©¸¸¢Ÿ¸¥¸íÿ.

11. ‚¸¡¸ˆÅ£ À

¨¸«¸Äˆ½Å¢¥¸‡¢ˆÅ¡¸½Š¸¡¸½ˆÅ£œÏ¸¨¸š¸¸›¸¸ÊŸ¸Ê\¸¸¥¸»‚¸¡¸ˆÅ£,¬¸¿œ¸¢î¸ˆÅ£‚¸¾£‚¸¬˜¸¢Š¸÷¸ˆÅ£ ˆÅú ™½¡¸÷¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ. ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ×¸£¸ ]¸¸£ú ¥¸½‰¸¸Ÿ¸¸›¸ˆÅ22ˆÅú©¸÷¸¸½ô ˆ½Å‚›¸º¬¸¸£ˆÅ£-¡¸¸½Š¡¸‚¸¡¸ ÷¸˜¸¸¥¸½‰¸¸ ¡¸¸½Š¡¸‚¸¡¸ˆ½Å ¤¸ú\¸¬¸Ÿ¸¡¸‚›÷¸£‚¸¾£¢¨¸¨¸½ˆÅœ¸»µ¸Ä¢¨¸\¸¸£ˆÅú©¸÷¸Äˆ½Å‚š¸ú›¸‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸¡¸¸Ê/™½¡¸÷¸¸‚¸ÊˆÅúœ¸í\¸¸›¸ˆÅúŠ¸ƒÄí¾.‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸¡¸¸Ê/™½¡¸÷¸¸‚¸Êœ¸£ˆÅ£™£¸ÊŸ¸Êœ¸¢£¨¸¢÷¸Ä›¸ˆ½ÅœÏž¸¸¨¸¸ÊˆÅ¸½œ¸¢£¨¸÷¸Ä›¸ˆÅúœÏž¸¸¨¸ú‚¨¸¢š¸Ÿ¸Ê¥¸¸ž¸‚¸¾£í¸¢›¸‰¸¸÷¸½Ÿ¸Ê¢›¸š¸¸Ä¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸‚¸¾£™½›¸™¸¢£¡¸¸ÊˆÅ¸½ˆÅ£™£¸Ê‚¸¾£ˆÅ£ˆÅ¸›¸»›¸¸Ê ˆÅ¸„œ¸¡¸¸½Š¸ˆÅ£ˆ½ÅŸ¸¸œ¸¸]¸¸÷¸¸í¾]¸¸½¢ˆÅ÷¸º¥¸›¸œ¸°¸ˆÅú÷¸¸£ú‰¸×¸£¸‚¢š¸¢›¸¡¸¢Ÿ¸÷¸¡¸¸¨¸¸¬÷¸¢¨¸ˆÅ³Åœ¸¬¸½¥¸¸Š¸»¢ˆÅ‡Š¸‡íÿ—

‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸ˆÅúœ¸í\¸¸›¸„¬¸¬¸úŸ¸¸÷¸ˆÅí¾]¸¤¸÷¸ˆÅ¢ˆÅž¸¢¨¸«¡¸Ÿ¸Ê¬¸¿œ¸¢î¸ˆ½Å¨¸¬¸»¥¸í¸½›¸½ˆÅú„¢\¸÷¸¢›¸¢ä¸÷¸÷¸¸í¾—ˆÅ£¸š¸¸›¸ˆÅ¸›¸»›¸¸Êˆ½Å÷¸í÷¸‚¬¸¿÷¸º¢¥¸÷¸‚¨¸Ÿ¸»¥¡¸›¸¡¸¸‚¸Š¸½¥¸¸ƒÄŠ¸ƒÄí¸¢›¸ ½ÅŸ¸¸Ÿ¸¥¸¸ÊŸ¸Ê,¬¸ž¸ú‚¸¬˜¸¢Š¸÷¸ Å£¬¸¿œ¸¢î¸ ½Å¨¸¥¸÷¸ž¸úœ¸í\¸¸›¸ú]¸¸÷¸úí¾,]¸¤¸ƒ¬¸÷¸£íˆÅúœ¸¢£¬¸¿œ¸¢î¸¡¸¸ÊˆÅúœ¸»¢÷¸ÄˆÅú‚¸ž¸¸¬¸ú¢›¸¢ä¸÷¸÷¸¸¬¸¿÷¸¸½«¸]¸›¸ˆÅ¬¸¸®¡¸ˆ½Å‚¸š¸¸£œ¸£¬¸Ÿ¸¢˜¸Ä÷¸í¸½÷¸úí¾.÷¸º¥¸›¸œ¸°¸ˆÅúœÏ÷¡¸½ˆÅ÷¸¸£ú‰¸ˆÅ¸½‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸ˆÅú¬¸Ÿ¸ú®¸¸ˆÅú]¸¸÷¸úí¾‚¸¾££¸¢©¸ˆÅ¸½œÏ¢÷¸¢¤¸¿¢¤¸÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡„¢\¸÷¸³Åœ¸¬¸½¬¸Ÿ¸¸¡¸¸½¢]¸÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾]¸¸½ ¢ˆÅ¡¸˜¸¸½¢\¸÷¸/¨¸\¸ºÄ‚¥¸³Åœ¸¬¸½¨¸¬¸»¥¸í¸½›¸¸¢›¸¢ä¸÷¸í¸½.

‚¸¡¸ˆÅ£ ½Å¢£û¿Å”œ¸£¤¡¸¸]¸‚¸¡¸ Å¸¥¸½‰¸¸¿ˆÅ›¸„¬¸ ¸«¸ÄŸ¸Ê¢¥¸¡¸¸Š¸¡¸¸í¾]¸¤¸¬¸¿¤¸¿¢š¸÷¸œÏ¸¢š¸ˆÅ¸£ú×¸£¸‚¸™½©¸œ¸¸¢£÷¸¢ˆÅ¡¸¸Š¸¡¸¸.

‚¸¡¸ˆÅ£œÏ¸¢š¸ˆÅ¸¢£¡¸¸Ê×¸£¸„“¸ƒÄŠ¸ƒÄŸ¸¸¿Š¸„¬¸œ¸£¤¡¸¸]¸¬¸¢í÷¸÷¸¤¸œÏ™¸›¸ˆÅúŠ¸ƒÄ]¸¤¸‡½¬¸úŸ¸¸¿Š¸ˆÅ¸½™»¬¸£ú‚œ¸ú¥¸(‚˜¸¸Ä÷¸‚¸ƒÄ’ú‡’ú×¸£¸)Ÿ¸ÊˆÅ¸¡¸Ÿ¸£‰¸¸Š¸¡¸¸.

12. œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸À

œÏ¢÷¸ ƒÄ¦Æ¨¸’ú ©¸½¡¸£ Ÿ¸»¥¸ ‚¸¾£ ˆÅŸ¸ ¢ˆÅ‡ Š¸‡ ‚]¸Ä›¸ ˆÅú ¢£œ¸¸½’Ä ž¸¸£÷¸ú¡¸ ¬¸›¸™ú¥¸½‰¸¸ˆÅ¸£¬¸¿¬˜¸¸›¸(‚¸ƒÄ¬¸ú‡‚¸ƒÄ)×¸£¸]¸¸£ú¥¸½‰¸¸Ÿ¸¸›¸ˆÅ(‡‡¬¸-20)-"œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸"ˆ½Å‚›¸º³Åœ¸ˆÅúŠ¸ƒÄí¾.œÏ¢÷¸©¸½¡¸£Ÿ¸»¥¸ˆÅŸ¸¸ƒÄˆÅ¸¢›¸š¸¸Ä£µ¸¢›¸¨¸¥¸¥¸¸ž¸ˆÅ¸½‚¨¸¢š¸ˆ½Å¢¥¸‡¤¸ˆÅ¸¡¸¸ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊˆÅúž¸¸¢£÷¸‚¸¾¬¸÷¸¬¸¿‰¡¸¸¬¸½ž¸¸Š¸™½ˆÅ£¢ˆÅ¡¸¸Š¸¡¸¸í¾.œÏ¢÷¸ƒ¦Æ¨¸’ú©¸½¡¸£ˆÅŸ¸¢ˆÅ‡Š¸‡‚]¸Ä›¸ˆÅúŠ¸µ¸›¸¸‚¨¸¢š¸ˆ½Å™¸¾£¸›¸¤¸ˆÅ¸¡¸¸”¸ƒ¥¡¸»¢’¨¸ƒ¦Æ¨¸’ú©¸½¡¸£¸Ê‚¸¾£ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊˆÅúž¸¸¢£÷¸‚¸¾¬¸÷¸¬¸¿‰¡¸¸ˆÅ¸„œ¸¡¸¸½Š¸ˆÅ£ˆÅúŠ¸ƒÄí¾

8. Impairment of Assets:

Impairmentlosses,ifany,onfixedassetsincludingrevaluedfixedassetsarerecognizedinaccordancewithAccountingStandard28- Impairment ofAssets issued by the ICAI and charged toProfit&LossAccount.

9. Provisions Contingent Liabilities and Contingent Assets:

As per the Accounting Standard 29-“Provisions, ContingentLiabilities and Contingent Assets” issued by ICAI, the Bankrecognizesprovisionsonlywhenithasapresentobligationasaresultofapastevent,itisprobablethatanoutflowofresourcesembodying economic benefits will be required to settle theobligation and when a reliable estimate of the amount of theobligationcanbemade.

Contingentassetsarenotrecognizedinthefinancialstatementssincethismayresult intherecognitionoftheincomethatmayneverberealized.

10. Net Profit, Provisions and Contingencies:

The Net Profit disclosed is after making the Provisions andContingencies which include adjustment to the value ofinvestments, on bad debts, provision for taxation (includingdeferred tax), and provision for advances including casesidentifiedasfraudandcontingencies/others.

11. Income Tax:

TheprovisionfortaxfortheyearcomprisesliabilitytowardscurrentIncomeTax,WealthTax and alsoDeferredTax.The deferredtax asset / liability is recognized, subject to the considerationofprudence,takingintoaccountthetimingdifferencesbetweenthe taxable income and accounting income, in terms of theAccountingStandard22 issuedby ICAI.Theeffectof changein taxratesondeferredtaxassetsand liabilities isrecognizedintheProfit&LossAccountintheperiodofapplicabilityofthechange.

Deferred taxassetsand liabilitiesaremeasuredusing the taxrates and tax laws that have been enacted or substantivelyenactedbythebalancesheetdate.

Deferred taxassetsare recognizedonly to theextent there isreasonablecertainlythattheassetscanberealizedinfuture.Incasesofunabsorbeddepreciationorcarriedforwardlossundertaxationlaws,alldeferredtaxassetsarerecognizedonlyifthereis virtual certainty of realization of such assets supported byconvincingevidence.Deferredtaxassetsarereviewedateachbalance sheet date and appropriately adjusted to reflect theamountthatisreasonably/virtuallycertaintoberealized.

InterestincomeonrefundofIncomeTaxisaccountedforintheyear;theorderispassedbytheconcernedauthority.

ThedemandraisedbytheIncomeTaxauthoritiesincludingtheinterestthereonisprovidedforwhensuchdemandisupheldinthesecondappeal(i.e.byITAT).

12. Earnings per Share

Basic and Diluted earnings per equity share are reported inaccordance with the Accounting Standard (AS-20) “EarningsPerShare”issuedbyICAI.BasicEarningspershareisarrivedbydividingnetprofitbytheweightedaveragenumberofequityshares outstanding for the period. The diluted earnings perequitysharearecomputedusingtheweightedaveragenumberofequitysharesanddilutivepotentialequitysharesoutstandingduringtheperiod.


62

SCHEDULE 18: NOTES ON ACCOUNTS

(Note: Figures in bracket relate to previous year)

1. Capital:

(Rs. inCrores)

S. N. Particulars 31.03.2017 31.03.2016

i) CommonEquityTier1CapitalratioincludingCCB(%) **7.28 7.88

ii) Tier1CapitalRatio(%) 9.01 9.02iii) Tier2CapitalRatio(%) 2.17 2.18iv) TotalCapitalRatio(CRAR)(%) 11.18 11.20

v) PercentageoftheshareholdingofGovernmentofIndia 81.61 81.61

vi) AmountofEquityCapitalraised 0.00 105.15

vii) AmountofAdditionalTier1capital(throughPerpetualDebtInstruments) 500.00 Nil

viii) AmountofTier2Capitalraised 500.00 Nil

**In terms of Reserve Bank of India letter DBR.CO.BP No.11544/21.01.002/2016-17 dated March 30,2017 the Bank hasconsideredsuchamountreceivedfromGovernmentofIndiaasapartofCommonEquityTier1(CET1)asonMarch31,2017.

Bank has issued Basel III compliant Unsecured, Perpetual, Non-ConvertibleAdditionalTier1 (AT-1)BondofRs.500.00crores,andBasel III compliant Unsecured Non-Convertible Tier 2 Bond of Rs.500.00croresonprivateplacementbasis.Thedetailsareasunder:

InstrumentName ISIN DateofIssue No.ofBonds

FaceValue

perbondRs.

Coupon(%)

AT-1PerpetualBondSeries-II(Basel III) INE457A08043 15.12.2016 5000 10Lakh 11.60

Tier–2BondSeries–I(Basel III) INE457A08035 27.06.2016 5000 10Lakh 9.20

2. Investments:

TheBankhasclassifiedtheinvestmentportfoliointothreecategoriesi.e.“HeldtoMaturity(HTM)”,“AvailableforSale(AFS)”,and“HeldforTrading(HFT)”andvaluedthe investments in termsof theReserveBankofIndia(RBI)guidelines.

(RsinCrores)Category 31.03.2017 31.03.2016HTM 29973.12 28528.82AFS 8616.81 7702.05HFT 0.25 0.00Total Investment 38590.18 36230.87

2.1 The Total Investments of Bank, as under, are made in India and no Investments are made outside India:

(Rs.inCrores)Items 31.03.2017 31.03.2016(1) Value of Investments(i)GrossValueofInvestments 38841.56 36331.92(ii)ProvisionsforDepreciation 251.38 101.05(iii)NetValueofInvestments 38590.18 36230.87(2) Movement of provisions held towards depreciation on investments(i)Openingbalance 101.05 54.23(ii)Add:Provisionsmadeduringtheyear 158.89 51.99(iii)Less:Writeoff/Write-backofexcessprovisionsduringtheyear 8.56 5.17

(iv)ProvisionusedforWritten-off 0.00 0(vi)Closingbalance 251.38 101.05

‚›¸º¬¸»\¸ú 18 À ‰¸¸÷¸¸Ê œ¸£ ¢’œœ¸¢µ¸¡¸¸¿(›¸¸½’-ˆÅ¸½«“ˆÅŸ¸Ê¢™‡Š¸‡‚¸¿ˆÅ”õ½¢œ¸Ž¥¸½¨¸«¸Äˆ½Åíÿ)1. œ¸»¿]¸ú

(²Åœ¸‡ˆÅ£¸½”õŸ¸Ê)

Ÿ¸™Ê 31.03.2017 31.03.16

i. ¬¸ú¬¸ú¤¸ú ¬¸¢í÷¸ ¬¸¸Ÿ¸¸›¡¸ ƒ¦Æ¨¸’ú ¢’¡¸£- 1 œ¸»¿]¸ú ˆÅ¸‚›¸ºœ¸¸÷¸(%) **7.28 7.88

ii. ¢’¡¸£-1œ¸»¿]¸úˆÅ¸‚›¸ºœ¸¸÷¸(%) 9.01 9.02iii.. ¢’¡¸£- 2œ¸»¿]¸úˆÅ¸‚›¸ºœ¸¸÷¸(%) 2.17 2.18iv. ˆºÅ¥¸œ¸»¿]¸úˆÅ¸‚›¸ºœ¸¸÷¸-(¬¸ú‚¸£‡‚¸£)(%) 11.18 11.20v. ž¸¸£÷¸¬¸£ˆÅ¸£ˆÅú©¸½¡¸£š¸¸¢£÷¸¸ˆÅ¸œÏ¢÷¸©¸÷¸ 81.61 81.61vi. „Š¸¸íúŠ¸ƒÄƒ¦Æ¨¸’úœ¸»¿]¸úˆÅú£¸¢©¸ 0.00 105.15vii ‚¢÷¸¢£Æ÷¸¢’¡¸£-1œ¸»¿]¸úˆÅú£¸¢©¸(¤¸½Ÿ¸ú¡¸¸™ú†µ¸œ¸»¿]¸ú

¢¥¸‰¸÷¸×¸£¸) 500.00 ©¸»›¡¸

viii. „Š¸¸íúŠ¸ƒÄ‚¢÷¸¢£Æ÷¸¢’¡¸£- 2œ¸»¿]¸úˆÅú£¸¢©¸ 500.00 ©¸»›¡¸

**ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å ¢™›¸¸¿ˆÅ30Ÿ¸¸\¸Ä,2017ˆ½Å œ¸°¸ÇÅ.”ú¤¸ú‚¸£.¬¸ú‚¸½.¤¸úœ¸ú.ÇÅ.11544/21.01.002/2016-17ˆ½Å‚›¸º¬¸¸£¢™›¸¸¿ˆÅ31Ÿ¸¸\¸Ä,2017ˆ½Å‚›¸º¬¸¸£¤¸ÿˆÅ›¸½ž¸¸£÷¸¬¸£ˆÅ¸£¬¸½œÏ¸œ÷¸ƒ¬¸£¸©¸úˆÅ¸½ˆÅ¸ÁŸ¸›¸ƒÄ¦Æ¨¸’ú’ú¡¸£1(¬¸úƒÄ’ú1)ˆ½Åž¸¸Š¸ˆ½Å³Åœ¸Ÿ¸ÊŸ¸¸›¸¸í¾.

¤¸ÿˆÅ ×¸£¸ ¢›¸]¸ú œ¥¸½¬¸Ÿ¸Ê’ ˆ½Å ‚¸š¸¸£ œ¸£ ¤¸½¬¸¥¸ III ‚›¸º³Åœ¸ ³Å. 500.00 ˆÅ£¸½”õ ˆ½ÅŠ¸¾£]¸Ÿ¸¸›¸÷¸ú,¤¸½¢Ÿ¸¡¸¸™ú,Š¸¾£-œ¸¢£¨¸÷¸Ä›¸ú¡¸‚¢÷¸¢£Æ÷¸’ú¡¸£1(‡’ú-1)¤¸¸Á›”÷¸˜¸¸¤¸½¬¸¥¸III‚›¸º³Åœ¸³Å.500.00ˆÅ£¸½”õˆ½Å Š¸¾£]¸Ÿ¸¸›¸÷¸ú,Š¸¾£-œ¸¢£¨¸÷¸Ä›¸ú¡¸’ú¡¸£2¤¸¸Á›”]¸¸£ú¢ˆÅ‡Š¸‡íÿ.ƒ¬¸ˆÅú]¸¸›¸ˆÅ¸£ú¢›¸Ÿ›¸¸›¸º¬¸¸£í¾.

¢¥¸‰¸÷¸ˆÅ¸›¸¸Ÿ¸ ‚¸ƒÄ‡¬¸‚¸ƒÄ‡›¸ ]¸¸£úˆÅ¸¢™›¸¸¿ˆÅ ¤¸¸Á›”ˆÅú¬¸¿‰¡¸¸

œÏ¢÷¸¤¸¸Á›”‚¿¢ˆÅ÷¸Ÿ¸»¥¡¸³Å. ˆ»Åœ¸›¸%

‡’ú-1¤¸½¢Ÿ¸¡¸¸™ú¤¸¸Á›”¢¬¸£ú]¸-II(¤¸½¬¸¥¸III)

‚¸ƒÄ‡›¸ƒÄ457‡08043 15.12.2016 5000 10¥¸¸‰¸ 11.60

’ú¡¸£-2¤¸¸Á›”¢¬¸£ú]¸+I(¤¸½¬¸¥¸III)

‚¸ƒÄ‡›¸ƒÄ457‡08035 27.06.2016 5000 10¥¸¸‰¸ 9.20

2. ¢›¸¨¸½©¸ ¤¸ÿˆÅ ›¸½ ¢›¸¨¸½©¸¬¸¿¢¨¸ž¸¸Š¸ˆÅ¸½ÇÅŸ¸©¸À"œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅš¸¸¢£÷¸'(‡\¸’ú‡Ÿ¸),`¢¤¸ÇÅúí½÷¸º„œ¸¥¸¤š¸'(‡‡ûÅ‡¬¸)‚¸¾£'¨¡¸¸œ¸¸£í½÷¸ºš¸¸¢£÷¸'(‡\¸‡ûÅ’ú)÷¸ú›¸ª½¢µ¸¡¸¸ÊŸ¸Ê¨¸Š¸úÄˆ¼Å÷¸¢ˆÅ¡¸¸í¾‚¸¾£ž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸½¿ˆ½Å‚›¸º¬¸¸£¢›¸¨¸½©¸¸½¿ˆÅ¸Ÿ¸»¥¡¸›¸¢ˆÅ¡¸¸í¾—


ª½µ¸ú 31.03.2017 31.03.2016œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅš¸¸¢£÷¸ 29973.12 28528.82 ¢¤¸ÇÅúí½÷¸º„œ¸¥¸¤š¸ 8616.81 7702.05¨¡¸¸œ¸¸£í½÷¸ºš¸¸¢£÷¸ 0.25 0.00ˆºÅ¥¸¢›¸¨¸½©¸ 38590.18 36230.87

2.1 ¤¸ÿˆÅˆ½ÅˆºÅ¥¸¢›¸¨¸½©¸¢›¸Ÿ›¸¸›¸º¬¸¸£íÿ.¬¸ž¸ú¢›¸¨¸½©¸ž¸¸£÷¸Ÿ¸Ê¢ˆÅ‡Š¸‡íÿž¸¸£÷¸ˆ½Å¤¸¸í£¢›¸¨¸½©¸›¸íú¿íÿ.


Ÿ¸™Ê 31.03.2017 31.03.2016(1) ¢›¸¨¸½©¸¸Ê ˆÅ¸ Ÿ¸»¥¡¸(i)¢›¸¨¸½©¸¸ÊˆÅ¸¬¸ˆÅ¥¸Ÿ¸»¥¡¸ 38841.56 36331.92(ii)Ÿ¸»¥¡¸Ý¸¬¸í½÷¸ºœÏ¸¨¸š¸¸›¸ 251.38 101.05(iii)¢›¸¨¸½©¸¸ÊˆÅ¸¢›¸¨¸¥¸Ÿ¸»¥¡¸ 38590.18 36230.87(2)¢›¸¨¸½©¸¸Ê œ¸£ Ÿ¸»¥¡¸Ý¸¬¸ í½÷¸º š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆÅú Š¸¢÷¸©¸ú¥¸÷¸¸ (i)œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 101.05 54.23(ii)]¸¸½”õ½¿À¨¸«¸Äˆ½Å™¸¾£¸›¸¢ˆÅ‡Š¸‡œÏ¸¨¸š¸¸›¸ 158.89 51.99(iii)‹¸’¸‡¿À¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸º›¸¥¸½Ä‰¸¸¿¢ˆÅ÷¸¢ˆÅ‡Š¸‡/¤¸’Ã’½‰¸¸÷¸½”¸¥¸½Š¸‡‚¢š¸ˆÅœÏ¸¨¸š¸¸›¸ 8.56 5.17

(iv)¤¸’Ã’½‰¸¸÷¸½í½÷¸ºœÏ¡¸ºÆ÷¸œÏ¸¨¸š¸¸›¸ 0 0(v)‚¿¢÷¸Ÿ¸©¸½«¸ 251.38 101.05

63


Duringthefinancialyear 2016-17,theBankhasnotshiftedsecuritiesfromHFTcategorytoAFScategory.Also,duringtheFY2016-17,theBankhasnotshiftedsecuritiesfromAFSandHFTcategoriestoHTMCategory.

During the FY 2016-17, the Bank has transferred securities fromHTMcategorytoAFScategoryamountingtoRs.3158.65crores(Rs.1321.20crores)andchargedtoProfit&Lossdepreciationamountingto Rs. Nil due to such transfer taking in terms of RBI guidelinesRBI/2015-16/97DBRNoBP.BC.6/21.04.141/2015-16dated1.7.2015.

2.2 Repo Transactions (Infacevalueterms) (Rs.inCrores)

Particulars

Minimum outstand-ing during the year

Maximum outstand-ing during the year

Daily average

outstand-ing during the year

As onMarch 31,

2017

Securities sold under repoi.GovernmentSecuritiesa)RepoBorrowing(LAF)

b)RepoBorrowing(Term)

ii.Corporatedebtsecurities

Nil(Nil)

Nil(Nil)

Nil(Nil)

300.00(1000.00)

5000.00(3029.00)

Nil(Nil)

53.00(106.00)

21.00(478.00)

Nil(Nil)

Nil(500.00)

Nil(Nil)

Nil(Nil)

Securities purchased under reverse repoi.GovernmentSecurities

ii.Corporatedebtsecurities

Nil(Nil)Nil

(Nil)

19480.00(2575.00)

Nil(Nil)

3494.00(250.00)

Nil(Nil)

7450.00(1200.00)

Nil(Nil)

2.3 Non-SLR Investment Portfolio2.3.1 Issuer composition of Non-SLR Investments

(Rs.inCrores)No. 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 394.12(171.09)

379.25(153.99)

0.00(0.00)

0.00(0.00)

0.00(0.00)

(ii) FIs 56.69(46.17)

6.86(5.75)

0.00(0.00)

0.00 (0.00)

0.00 (0.00)

(iii) Banks 3233.85 (1666.14)

3224.63 (1651.33)

15.00 (0.00)

0.00(0.00)

0.00 (0.00)

(iv) PrivateCorporate 931.47 (957.94)

897.41 (890.98)

179.91 (182.93)

0.00 (0.00)

0.00 (0.00)

(v) Subsidiaries/JointVentures

83.53(83.53)

83.53(83.53)

N.A.N.A.

N.A.N.A.

N.A.N.A.

(vi) Others 2528.88 (3186.70)

2494.00(3175.70)

0.00(9.90)

0.00 (0.00)

0.00 (0.00)

SUB TOTAL 7228.54 (6111.57)

7085.68(5961.28)

194.91 (192.83)

0.00 (0.00)

0.00(0.00)

(vii) Provisionheldtowards(i)Depreciation

13.60(20.95)

(ii)NPI 187.66(56.12)

(iii)RestructuredAccountFITLetc

15.01(8.63)

XXX XXX XXX XXX

(iv)ProvisionMadeonMTMDepreciationinSDRAccounts

15.01(0.81)

Total 6991.33(6025.06)

7085.68 (5961.28)

194.91(192.83)

0.00 (0.00)

0.00(0.00)

Note:Investmentsasin(v)being“Subsidiaries/JointVentures,&(vi)being“Others” are exempt from rating & listing requirements as per RBIguidelines.

¢¨¸î¸ú¡¸ ¸«¸Ä2016-17 ½Å™¸¾£¸›¸¤¸ÿˆÅ×¸£¸‡\¸‡ûÅ’úª½µ¸ú¬¸½‡‡ûÅ‡¬¸ª½µ¸úŸ¸ÊœÏ¢÷¸ž¸»¢÷¸¡¸¸¿‚¿÷¸¢£÷¸›¸íú¿ˆÅúŠ¸ƒÄ.¬¸¸˜¸íú¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¤¸ÿˆÅ×¸£¸‡‡ûÅ‡¬¸÷¸˜¸¸‡\¸‡ûÅ’úª½µ¸ú¬¸½‡\¸’ú‡Ÿ¸ª½µ¸úŸ¸ÊœÏ¢÷¸ž¸»¢÷¸¡¸¸¿‚¿÷¸¢£÷¸›¸íú¿ˆÅúŠ¸ƒÄ.

¢¨¸î¸ú¡¸ ¸«¸Ä2016-17 ½Å™¸¾£¸›¸¤¸ÿˆÅ›¸½‡\¸’ú‡Ÿ¸ª½µ¸ú¬¸½‡‡ûÅ‡¬¸ª½µ¸úŸ¸Êž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™›¸¸¿ˆÅ01.07.2015ˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Ê‚¸£¤¸ú‚¸ƒÄ/2015-16/97”ú¤¸ú‚¸£ÇÅ.¤¸úœ¸ú.¤¸ú¬¸ú.6/21.04.141/2015-16ˆ½Å‚›¸º¬¸¸£‡½¬¸½‚¿÷¸£µ¸ˆ½ÅˆÅ¸£µ¸²Å.3158.65ˆÅ£¸½”õ(³Å.1321.20ˆÅ£¸½”õ)÷¸˜¸¸¥¸¸ž¸¨¸í¸¢›¸Ÿ¸»¥¡¸Ý¸¬¸£¸¢©¸ˆ½Å¢¥¸‡³Å.©¸»›¡¸£¸¢©¸ˆÅúœÏ¢÷¸ž¸»¢÷¸¡¸¸¿‚¿÷¸¢£÷¸ˆÅúŠ¸ƒÄ.

2.2 £½œ¸¸½¬¸¿¨¡¸¨¸í¸£(‚¿¢ˆÅ÷¸Ÿ¸»¥¡¸ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê)(²Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

¤¡¸¸¾£½¨¸«¸Ä ˆ½Å™¸¾£¸›¸›¡¸»›¸÷¸Ÿ¸¤¸ˆÅ¸¡¸¸

¨¸«¸Ä ˆ½Å™¸¾£¸›¸

‚¢š¸ˆÅ÷¸Ÿ¸¤¸ˆÅ¸¡¸¸

¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸¾¬¸÷¸™¾¢›¸ˆÅ¤¸ˆÅ¸¡¸¸

31 Ÿ¸¸\¸Ä, 2017ˆÅ¸½

£½œ¸¸½ˆ½Å‚š¸ú›¸¤¸½\¸úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿

i.¬¸£ˆÅ¸£úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸ 300.00 53.00 ©¸»›¡¸ˆÅ.£½œ¸¸½„š¸¸¢£¡¸¸¿(‡¥¸‡‡ûÅ) ©¸»›¡¸ (1000.00) (106.00) (500.00)‰¸.£½œ¸¸½„š¸¸¢£¡¸¸¿(Ÿ¸ú¡¸¸™ú) ©¸»›¡¸

(©¸»›¡¸)5000.00

(3029.00)21.00

(478.00)©¸»›¡¸

(©¸»›¡¸)ii.ˆÅ¸œ¸¸½Ä£½’†µ¸œÏ¢÷¸ž¸»¢÷¸¡¸¸¿ ©¸»›¡¸

(©¸»›¡¸)©¸»›¡¸

(©¸»›¡¸)©¸»›¡¸

(©¸»›¡¸)©¸»›¡¸

(©¸»›¡¸)¢£¨¸¬¸Ä-£½œ¸¸½ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ÇÅ¡¸ œÏ¢÷¸ž¸»¢÷¸¡¸¸¿i.¬¸£ˆÅ¸£úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿ii.ˆÅ¸œ¸¸½Ä£½’†µ¸œÏ¢÷¸ž¸»¢÷¸¡¸¸¿

©¸»›¡¸(©¸»›¡¸)©¸»›¡¸

(©¸»›¡¸)

19480.00(2575.00)

©¸»›¡¸ (©¸»›¡¸)

3494.00(250.00)

©¸»›¡¸ (©¸»›¡¸)

7450.00(1200.00)

©¸»›¡¸ (©¸»›¡¸)

2.3Š¸¾£-‡¬¸‡¥¸‚¸£¢›¸¨¸½©¸¸ÊˆÅ¸¬¸¿¢¨¸ž¸¸Š¸À2.3.1Š¸¾£‡¬¸‡¥¸‚¸£¢›¸¨¸½©¸¸ÊˆÅ¸¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä¨¸¸£¬¸¿¢Ÿ¸ª

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)ÇÅ. ¢›¸Š¸ÄŸ¸ˆÅ÷¸¸Ä £ˆÅŸ¸ ¢›¸]¸úœ¥¸½¬¸Ÿ¸Ê’

ˆÅ¸ ¢¨¸¬÷¸¸£¢›¸¨¸½©¸ ¬¸½ ˆÅŸ¸ ŠÏ½” ¨¸¸¥¸úœÏ¢÷¸ž¸»¢÷¸¡¸¸Ê

ˆÅ¸ ¢¨¸¬÷¸¸£

Š¸¾£ÇÅŸ¸¨¸¸¥¸úœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸

¢¨¸¬÷¸¸£

‚¬¸»\¸ú¤¸š™œÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸ ¢¨¸¬÷¸¸£

(1) (2) (3) (4) (5) (6) (7)(i) ¬¸¸¨¸Ä]¸¢›¸ˆÅ®¸½°¸ˆ½Å„œ¸ÇÅŸ¸ 394.12

(171.09)379.25

(153.99)0.00

(0.00)0.00

(0.00)0.00

(0.00)

(ii)¢¨¸î¸ú¡¸¬¸¿¬˜¸¸‡ 56.69

(46.17)6.86

(5.75)0.00

(0.00)0.00

(0.00)0.00

(0.00)(iii) ¤¸ÿˆÅ 3233.85

(1666.14)3224.63

(1651.33)0.00

(0.00)0.00

(0.00)0.00

(0.00)(iv) ¢›¸]¸ú¢›¸Š¸¢Ÿ¸÷¸¢›¸ˆÅ¸¡¸ 931.47

(957.94)897.41

(890.98)179.91

(182.93)0.00

(0.00)0.00

(0.00)(v) ¬¸í¸¡¸ˆÅ/¬¸¿¡¸ºÆ÷¸„Ô¸Ÿ¸ 83.53

(83.53)83.53(83.53)

¥¸¸Š¸»›¸íú¿¥¸¸Š¸»›¸íú¿

¥¸¸Š¸»›¸íú¿¥¸¸Š¸»›¸íú¿

¥¸¸Š¸»›¸íú¿¥¸¸Š¸»›¸íú¿

(vi) ‚›¡¸ 2528.88 (3186.70)

2494.00 (3175.70)

0.00(9.90)

0.00 (0.00)

0.00 (0.00)

„œ¸]¸¸½”õ 7228.54 (6111.57)

7085.68 (5961.26)

194.91 (192.83)

0.00(0.00)

0.00(0.00)

(vii) ˆ½Å¢¥¸‡š¸¸¢£÷¸œÏ¸¨¸š¸¸›¸1Ÿ¸»¥¡¸Ý¸¬¸ 13.60

(20.95)2‡›¸œ¸ú‚¸ƒÄ 187.66

(56.12)3œ¸º›¸¬¸ô£¢\¸÷¸‰¸¸÷¸½‡ûÅ‚¸ƒÄ’ú‡¥¸ƒ÷¡¸¸¢™

15.01(8.63)

XXX XXX XXX XXX

4‡¬¸”ú‚¸£‰¸¸÷¸¸ÊŸ¸Ê‡Ÿ¸’ú‡Ÿ¸Ÿ¸»¥¡¸Ý¸¬¸œ¸£¢ˆÅ¡¸¸Š¸¡¸¸œÏ¸¨¸š¸¸›¸

15.01(0.81)

ˆºÅ¥¸ 6991.33 (6025.06)

7085.68 (5961.28)

194.91 (192.83)

0.00 (0.00)

0.00(0.00)

¢’œœ¸µ¸úÀi) „Æ÷¸(v)Ÿ¸Ê`¬¸í¸¡¸ˆÅ¬¸¿¬˜¸¸‡¿/¬¸¿¡¸ºÆ÷¸„Ô¸Ÿ¸í¸½›¸½ˆ½ÅˆÅ¸£µ¸÷¸˜¸¸(vi)Ÿ¸Ê‚›¡¸í¸½›¸½

ˆ½ÅˆÅ¸£µ¸¢›¸¨¸½©¸ž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸££½¢’¿Š¸¨¸¢¥¸¦¬’¿Š¸‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê¬¸½Ÿ¸ºÆ÷¸í¾—


64

Amounts reported under columns 4, 5, 6& 7may not bemutuallyexclusive.The total investment of Rs. 6991.33 crores (Rs. 6025.06 crores)includesRajasthanSpecialBondsofRs.875.61crores(Rs1194.93crores)UPstatePowerBondsofRs.153.76crores(Rs284.63crores)HaryanaStateSpecialBondsRs.199.59crores(Rs.199.59crores)Punjab State Special bonds Rs 276.58 crores (Rs. 439.99 crores)ThesamehasbeenincludedinGovt.SecuritiesinSchedule8totheBalanceSheet.2.3.2 Non performing Non-SLR investments

(Rs.InCrores)

Particulars 31.03.2017 31.03.2016Openingbalance 102.31 86.30Additionsduringtheyear 569.15 16.01Reductionsduringtheyear 16.01 0.00Closingbalance 655.45 102.31Total provisions held 187.66 56.12As per RBI letter DBR.BP.No.11657/21.04.132/2015-16 dated17.03.2016, Investment amounting to Rs. 476.80 crores in UDAYbondsistreatedasNPIandprovisionat25%amountingtoRs.119.20croresismadeonthesame.2.4 Thevalueofthesalesandtransferofsecuritiesto/fromHTM

categoryduring thefinancial year2016-17,excludingonetimetransferwiththeapprovaloftheBoard,salestoRBIunderpreannouncedOMOauctionsandaspermittedbyRBI, doesnotexceed5percentofthebookvalueoftheinvestmentsinHTMcategoryatthebeginningoftheyear.

Profit on sale of investments inHTM category should be firsttakentotheProfit&LossAccount,andthereafterbeappropriatedto the ‘Capital Reserve Account’ after netting off taxes andamountrequiredtobetransferredtoStatutoryReservesasperRBIcircularRPCD.CO.RRB.BC.No.74/03.05.33/2013-14dated7thJanuary2014.

AsperRBIguidelines,anamountofRs.87.25croresnetoftaxesbeingprofitonsaleofinvestmentin‘HeldtoMaturity’categoryistransferredtoCapitalReserve.InthepreviousFYi.e.2015-16,amountofRs.28.83croresnetoftaxesandappropriatetransfertostatutoryreservehadbeentransferredtocapitalreserve

2.5 TheBankhasamortizedRs.62.55croresduring theyear (Rs.52.46 crores) for securities classified under ‘Held to Maturity’category, and the amount has been charged to Profit & Lossaccount by reducing the value of respective securities to thatextent.

2.6 During the current financial year 2016-17, an amount of Rs.8.12croresnetoftaxeshasbeendrawndownfromInvestmentReserve Account on account of depreciation required to bemadeforinvestmentheldunderAFS&HFTcategories.

In the previous FY i.e. 2015-16, amount of Rs. 12.96 croresnet of taxes and appropriate transfer to statutory reserve hadbeen drawn down from Investment Reserve on account ofdepreciationrequiredtobemadeforinvestmentheldunderAFS&HFTcategories

3. Derivatives: 3.1 Forward Rate Agreement / Interest Rate Swap (Rs.inCrores)

Items 31.03.2017 31.03.2016i)Thenotionalprincipalofswapagreements 100.00 425.00

ii)Losseswhichwouldbeincurredifcounterpartiesfailedtofulfilltheirobligationsundertheagreements

Nil Nil

iii)CollateralrequiredbytheBankuponenteringintoswaps Nil Nil

iv)Concentrationofcreditriskarisingfromtheswaps Nil Nil

v)Thefairvalueoftheswapbook(+) Toreceive/(-)Topay (-)0.46 (-)0.84

ˆÅ¸Á¥¸Ÿ¸4,5,6¨¸7Ÿ¸Ê¢£œ¸¸½’ÄˆÅúŠ¸ƒÄ£¸¢©¸œ¸£¬œ¸£‚¬¸¿¤¸š™›¸íú¿í¾.

ˆºÅ¥¸ ²Å.6991.33 ˆÅ£¸½”õ (²Å.6025.06 ˆÅ£¸½”õ) ˆ½Å ˆºÅ¥¸ ¢›¸¨¸½©¸ Ÿ¸Ê ²Å.875.61 ˆÅ£¸½”õ(²Å.1194.93 ˆÅ£¸½”õ) ˆ½Å £¸]¸¬˜¸¸›¸ ¬œ¸½©¸¥¸ ¤¸¸Áµ” ²Å.153.76 ˆÅ£¸½”õ (²Å.284.63ˆÅ£¸½”õ)ˆ½Å¡¸»œ¸ú¬’½’œ¸¸Á¨¸£¤¸¸Áµ”²Å.199.59ˆÅ£¸½”õ(²Å.199.59ˆÅ£¸½”õ)ˆ½Åí¢£¡¸¸µ¸¸¬’½’¬œ¸½©¸¥¸¤¸¸Á›”,²Å.276.58ˆÅ£¸½”õ(²Å.439.99ˆÅ£¸½”õ)ˆ½Åœ¸¿]¸¸¤¸¬’½’¬œ¸½©¸¥¸¤¸¸Á›”©¸¸¢Ÿ¸¥¸íÿ.÷¸º¥¸›¸œ¸°¸ˆÅú‚›¸º¬¸»\¸ú8Ÿ¸Êƒ›íÊ¬¸£ˆÅ¸£úœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊŸ¸Ê©¸¸¢Ÿ¸¥¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

2.3.2‚›¸]¸ÄˆÅŠ¸¾£‡¬¸‡¥¸‚¸£¢›¸¨¸½©¸(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

¤¡¸¸¾£Ê 31.03.2017 31.03.2016œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 102.31 86.30¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸¢£¨¸š¸Ä›¸ 569.15 16.01¨¸«¸Äˆ½Å™¸¾£¸›¸ˆÅŸ¸ú 16.01 0.00‚¿¢÷¸Ÿ¸©¸½«¸ 655.45 102.31

¢ˆÅ‡ Š¸‡ ˆºÅ¥¸ œÏ¸¨¸š¸¸›¸ 187.66 56.12 ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™›¸¸¿ˆÅ 17.03.2016 ˆ½Å œ¸°¸ ÇÅ. ”ú¤¸ú‚¸£.¤¸úœ¸ú.

ÇÅ.11657/21.04.132/2015-16ˆ½Å‚›¸º¬¸¸£,¡¸»”ú‡¨¸¸¡¸¤¸¸Á›”Ÿ¸Ê³Å.476.80ˆÅ£¸½”õˆÅú ¢›¸¨¸½©¸£¸¢©¸‡›¸œ¸ú‚¸ƒÄŸ¸¸›¸úŠ¸ƒÄ‚¸¾£„¬¸œ¸£25%ˆÅ¸œÏ¸¨¸š¸¸›¸ ¢ˆÅ¡¸¸Š¸¡¸¸í¾,]¸¸½ˆÅú²Å.119.20ˆÅ£¸½”í¸½÷¸¸í¾.

2.4 ¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¢›¸™½©¸ˆÅŸ¸¿”¥¸ˆ½Å‚›¸º™¸›¸¬¸½‡ˆÅ¤¸¸£Š¸ú‚¿÷¸£µ¸ˆÅ¸½Ž¸½”õˆÅ£‡\¸’ú‡Ÿ¸ª½µ¸ú ¬¸½/ˆÅ¸½ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ˆ½Å ¢¨¸ÇÅ¡¸‚¸¾£‚¿÷¸£µ¸ ˆÅ¸ Ÿ¸»¥¡¸ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅ×¸£¸‚›¸ºŸ¸÷¸¢ˆÅ‡‚›¸º¬¸¸£‚¸¾£‚¸½‡Ÿ¸‚¸½›¸ú¥¸¸¢Ÿ¸¡¸¸ÊŸ¸Êœ¸»¨¸Ä‹¸¸½¢«¸÷¸ˆ½Å‚¿÷¸Š¸Ä÷¸ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆÅ¸½¢¨¸ÇÅ¡¸¨¸«¸Äˆ½Å‚¸£¿ž¸Ÿ¸Ê‡\¸’ú‡Ÿ¸ª½µ¸úŸ¸Ê¢›¸¨¸½©¸¸Êˆ½Å¤¸íúŸ¸»¥¡¸ˆ½Å5œÏ¢÷¸©¸÷¸¬¸½‚¢š¸ˆÅ›¸íú¿í¸½›¸¸\¸¸¢í‡.

‡\¸’ú‡Ÿ¸ª½µ¸ú›¸½¢›¸¨¸½©¸¸Êˆ½Å¢¨¸ÇÅ¡¸œ¸£¥¸¸ž¸ˆÅ¸½œ¸í¥¸½¥¸¸ž¸¨¸í¸¢›¸‰¸¸÷¸½Ÿ¸Ê¢¥¸¡¸¸]¸¸›¸¸\¸¸¢í‡‚¸¾£„¬¸ˆ½Å¤¸¸™ƒ¬¸½ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™›¸¸¿ˆÅ07]¸›¸¨¸£ú,2014ˆ½Åœ¸¢£œ¸°¸ÇÅ.‚¸£œ¸ú¬¸ú”ú.¬¸ú‚¸½.‚¸£‚¸£¤¸ú.¤¸ú¬¸ú.ÇÅ.74/03.05.33/2013-14ˆ½Å‚›¸º¬¸¸£¬¸¸¿¢¨¸¢š¸ˆÅ‚¸£¢®¸¢÷¸¡¸¸ÊˆÅ¸½‚¿÷¸¢£÷¸ ¢ˆÅ‡]¸¸›¸½í½÷¸º‚œ¸½¢®¸÷¸£¸¢©¸‚¸¾£ˆÅ£¸ÊˆÅ¸¬¸Ÿ¸¸¡¸¸½]¸›¸(›¸½¢’¿Š¸‚¸ÁûÅ)ˆÅ£›¸½ˆ½Åœ¸ä¸¸÷¸œ¸»¿]¸ú‚¸£¢®¸¢÷¸‰¸¸÷¸½ˆÅ¸½¬¸Ÿ¸¸¡¸¸½¢]¸÷¸¢ˆÅ¡¸¸]¸¸‡.

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅˆ½Å ¢™©¸¸ ¢›¸™½Ä©¸¸½ ˆ½Å‚›¸º¬¸¸£`œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅ š¸¸¢£÷¸'ª½µ¸úŸ¸½¿ ¢›¸¨¸½©¸ˆ½Å ¢¨¸ÇÅ¡¸ œ¸£¥¸¸ž¸¬¸½ˆÅ£œ¸£ ¢›¸¨¸¥¸ ²Å.87.25ˆÅ£¸½”ˆÅú£¸¢©¸œ¸»¿]¸ú‚¸£¢®¸÷¸ú ˆÅ¸½‚¿÷¸¢£÷¸ ˆÅú Š¸ƒÄ.¢œ¸Ž¥¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä‚˜¸¸Ä÷¸ 2015-16 Ÿ¸½¿ ˆÅ£ œ¸£¢›¸¨¸¥¸²Å.28.83ˆÅ£¸½”õˆÅú£¸¢©¸÷¸˜¸¸¬¸¸¿¢¨¸¢š¸ˆÅ‚¸£¢®¸¢÷¸ˆÅ¸½„œ¸¡¸ºÆ÷¸‚¿÷¸£µ¸ˆÅú£¸¢©¸œ¸¿»]¸ú‚¸£¢®¸¢÷¸ˆÅ¸½‚¿÷¸¢£÷¸ˆÅúŠ¸ƒÄ.

2.5 ¤¸ÿˆÅ›¸½¨¸«¸Äˆ½Å™¸¾£¸›¸`œ¸¢£œ¸Æ¨¸÷¸¸÷¸ˆÅš¸¸¢£÷¸'ª½µ¸úŸ¸Ê¨¸Š¸úÄˆ¼Å÷¸²Å.62.55ˆÅ£¸½”õ(²Å.52.46ˆÅ£¸½”õ)ˆÅúœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸œ¸¢£©¸¸½š¸›¸¢ˆÅ¡¸¸‚¸¾£¬¸¿¤¸¿¢š¸÷¸œÏ¢÷¸ž¸»¢÷¸ˆ½ÅŸ¸»¥¡¸ˆÅ¸½„¬¸¬¸úŸ¸¸÷¸ˆÅˆÅŸ¸ˆÅ£÷¸½íº‡£ˆÅŸ¸ˆÅ¸½¥¸¸ž¸-í¸¢›¸‰¸¸÷¸½Ÿ¸ÊœÏž¸¸¢£÷¸¢ˆÅ¡¸¸.

2.6 \¸¸¥¸»¢¨¸î¸ú¡¸ ¸«¸Ä2016-17 ½Å Å£¸Ê ½Å¢›¸¨¸¥¸ Åú²Å.8.12 Å£¸½”õ Åú£¸¢©¸‡‡ûÅ‡¬¸‚¸¾£‡¬¸’ú‡ûÅª½¢µ¸¡¸¸Êˆ½Å‚¿÷¸Š¸Ä÷¸š¸¸¢£÷¸¢›¸¨¸½©¸ˆ½Å¢¥¸‡¢ˆÅ‡]¸¸›¸½í½÷¸º‚œ¸½¢®¸÷¸Ÿ¸»¥¡¸Ý¸¬¸ˆ½ÅˆÅ¸£µ¸‚¸£¢®¸÷¸¢›¸¨¸½©¸‰¸¸÷¸½¬¸½‚¸í¢£÷¸ˆÅúŠ¸ƒÄ.

¢¨¸Š¸÷¸¢¨¸î¸ú¡¸¨¸«¸Ä2015-16Ÿ¸Ê,ˆÅ£¸Êˆ½Å¢›¸¨¸¥¸³Å.12.96ˆÅ£¸½”õˆÅú£¸¢©¸÷¸˜¸¸¬¸¸¿¢¨¸¢š¸ˆÅ ‚¸£¢®¸÷¸ ˆ½Å „œ¸¡¸ºÆ÷¸ ‚¿÷¸£µ¸ ‡‡ûÅ‡¬¸ ‚¸¾£ ‡¬¸’ú‡ûÅ ª½¢µ¸¡¸¸Ê ˆ½Å‚¿÷¸Š¸Ä÷¸š¸¸¢£÷¸¢›¸¨¸½©¸ˆ½Å¢¥¸‡¢ˆÅ‡]¸¸›¸½í½÷¸º‚œ¸½¢®¸÷¸Ÿ¸»¥¡¸Ý¸¬¸ˆ½ÅˆÅ¸£µ¸‚¸£¢®¸÷¸¢›¸¨¸½©¸¬¸½‚¸í¢£÷¸ˆÅúŠ¸ƒÄ.

3 ”½¢£¨¸½¢’¨¸À

3.1 ¨¸¸¡¸™¸™£ˆÅ£¸£/¤¡¸¸]¸™£¬¨¸¾œ¸ (²Å. ˆÅ£¸½” Ÿ¸Ê)

Ÿ¸™Ê 31.03.2017 31.03.2016i)¬¨¸¾œ¸ˆÅ£¸£¸ÊˆÅ¸ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸ 100.00 425.00ii)¡¸¢™œÏ¢÷¸œ¸®¸ˆÅ£¸£¸Êˆ½Å‚¿÷¸Š¸Ä÷¸‚œ¸›¸½™¸¢¡¸÷¨¸¸ÊˆÅ¸½œ¸»£¸›¸ˆÅ£Ê÷¸¸½ƒ¬¸¦¬˜¸¢÷¸Ÿ¸Êí¸½›¸½¨¸¸¥¸úí¸¢›¸¡¸¸¿

©¸»›¡¸©¸»›¡¸

iii)¬¨¸¾œ¸ˆÅ£¸£í½÷¸º¤¸ÿˆÅ¬¸½‚œ¸½¢®¸÷¸¬¸¿œ¸¸¢æ¸ÄˆÅ ©¸»›¡¸ ©¸»›¡¸iv)¬¨¸¾œ¸¬¸½„÷œ¸››¸†µ¸]¸¸½¢‰¸Ÿ¸‡ˆÅ°¸úˆÅ£µ¸ ©¸»›¡¸ ©¸»›¡¸v)¬¨¸¾œ¸¤¸íúˆÅ¸„¢\¸÷¸Ÿ¸»¥¡¸(+)œÏ¸¦œ÷¸/(-)™½¡¸ (-)0.46 (-)0.84

65


TheBankhaspolicyguidelinesinplaceforIRS/FRA’s.TheapprovedceilingforIRS/FRAsintermsofnotionalprincipalisRs2000crores.As on 31st March 2017, the Bank had 4 outstanding swaps fornotionalprincipalofRs100croreswhichwere for tradingpurpose.MTMvaluationforoutstandingtradingswapsisRs.(-)0.46crores.

3.2 Exchange Traded Interest Rate

(Rs.inCrores)

S.N. Particulars 2016-17 2015-16

1

Notional principal amount ofexchange traded interest ratederivatives undertaken duringtheyear(instrument-wise)a) InterestRateFuture 587.57 Nil

2Notional principal amount ofexchange traded interest ratederivatives outstanding as on31stMarch(instrument-wise)

Nil Nil

3

Notional principal amount ofexchange traded interest ratederivatives outstanding and not"highly effective" (instrument-wise)

Nil Nil

4

Mark-to-market value ofexchange traded interest ratederivatives outstanding and not"highly effective" (instrument-wise)

Nil Nil

3.3 Disclosures on risk exposure in derivatives3.3.1 Qualitative Disclosure

(i) DerivativepolicyisapprovedbytheBoard,whichincludesmeasurementofcredit&marketrisk.

(ii) Policyforhedgingandprocessesformonitoringthesameareinplace.

(iii) ThehedgedtransactionsareundertakenforBalanceSheetmanagement.Propersystemforreportingandmonitoringofrisksisinplace.

(iv) RiskManagementofderivativeoperationsisheadedbyaTop Management Executive who reports to Head Office.Theswapsaretrackedonregularbasis.

(v) Accounting Policy for recording hedge and non-hedgetransactions is in place, which includes recognition ofincome,expenditure,valuationofoutstandingcontractsandcreditriskmitigationasgiveninpara3.5(f)(ii)ofSchedule17,viz.,SignificantAccountingPolicies.

(vi) TheBankhasmaderequisiteprovisiononcreditexposureofderivativecontracts computedasper currentexposuremethod&asperRBIguidelines.

3.3.2 Quantitative Disclosures

(Rs.inCrores)

S. N. ParticularsCurrency

DerivativesInterest rate derivatives

2016-17 2015-16 2016-17 2015-16

(i) Derivatives(NotionalPrincipalamount) 12997.65 14089.80 100.00 425.00

(a)Forhedging 7065.81 2695.06 0.00 0.00

(b)ForTrading 5931.84 11394.74 100.00 425.00(ii) MarkedtoMarketPosition[1]

(a)Asset(+) 175.81 40.00 0.00 0.00(b)Liability(-) - 0.00 (-)0.46 (-)0.84

¤¸ÿˆÅ›¸½‚¸ƒÄ‚¸£‡¬¸/‡ûÅ‚¸£‡í½÷¸º›¸ú¢÷¸¢™©¸¸¢›¸™½Ä©¸¢›¸š¸¸Ä¢£÷¸¢ˆÅ‡íÿ.ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê‚¸ƒÄ‚¸£‡¬¸/‡ûÅ‚¸£‡ˆÅú‚›¸ºŸ¸¸½¢™÷¸¬¸úŸ¸¸²Å.2000ˆÅ£¸½”õí¾.31Ÿ¸¸\¸Ä2017ˆ½Å‚›¸º¬¸¸£¤¸ÿˆÅˆ½ÅˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸ˆ½Å4(\¸¸£)¤¸ˆÅ¸¡¸¸¬¨¸¾œ¸£í½,¢]¸¬¸ˆÅú¬¸¸¿ˆ½Å¢÷¸ˆÅŸ¸»¥¸£¸¢©¸²Å.100ˆÅ£¸½”õ£íú]¸¸½¨¡¸¸¨¸¬¸¸¢¡¸ˆÅ„Ó½©¡¸ˆ½Å¢¥¸‡˜¸ú.¤¸ˆÅ¸¡¸¸ÇÅ¡¸-¢¨¸ÇÅ¡¸¬¨¸¾œ¸ˆÅ¸¤¸¸]¸¸£í½÷¸º¢\¸¦›í÷¸(‡Ÿ¸’ú‡Ÿ¸)Ÿ¸»¥¡¸¸¿ˆÅ›¸²Å.(-)0.46ˆÅ£¸½”õ£í¸.

3.2¢¨¸¢›¸Ÿ¸¡¸¨¡¸¸œ¸¸£¤¡¸¸]¸™£À

(²Å.ˆÅ£¸½”õŸ¸Ê)

ÇÅ.¬¸¿.

¤¡¸¸¾£½ 2016-17 2015-16

1 ¨¸«¸Äˆ½Å™¸¾£¸›¸(¢¥¸‰¸÷¸-¨¸¸£)¢ˆÅ‡Š¸‡‡Æ¬¸\¸Ê]¸¥¸½›¸-™½›¸¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸ˆÅ¸ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸ˆÅ)¤¡¸¸]¸™£ž¸¢¨¸«¡¸

587.57 ©¸»›¡¸

2 31Ÿ¸¸\¸ÄˆÅ¸½¤¸ˆÅ¸¡¸¸(¢¥¸‰¸÷¸-¨¸¸£)‡Æ¬¸\¸Ê]¸¥¸½›¸-™½›¸¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸ˆÅ¸ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸

©¸»›¡¸ ©¸»›¡¸

3 '„\\¸œÏž¸¸¨¸ú'›¸íú¿‚¸¾£¤¸ˆÅ¸¡¸¸(¢¥¸‰¸÷¸-¨¸¸£)‡Æ¬¸\¸Ê]¸¥¸½›¸-™½›¸¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸ˆÅ¸ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸

©¸»›¡¸ ©¸»›¡¸

4 '„\\¸œÏž¸¸¨¸ú'›¸íú¿‚¸¾£¤¸ˆÅ¸¡¸¸(¢¥¸‰¸÷¸¨¸¸£)‡Æ¬¸\¸Ê]¸¥¸½›¸™½›¸¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸ˆÅ¸Ÿ¸¸ˆÄÅ-’»-Ÿ¸¸ˆ½ÄÅ’Ÿ¸»¥¡¸

©¸»›¡¸ ©¸»›¡¸

3.3 ”½¢£¨¸½¢’¨¸]¸¸½¢‰¸Ÿ¸¢¨¸Š¸¸½œ¸›¸ˆÅ¸œÏˆÅ’›¸

3.3.1 Š¸ºµ¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸À

i) ”½¢£¨¸½¢’¨¸›¸ú¢÷¸¢›¸™½©¸ˆÅŸ¸¿”¥¸×¸£¸‚›¸ºŸ¸¸½¢™÷¸í¾,¢]¸¬¸Ÿ¸Ê†µ¸]¸¸½¢‰¸Ÿ¸‚¸¾£¤¸¸]¸¸£]¸¸½¢‰¸Ÿ¸ˆÅ¸Ÿ¸¸œ¸›¸ž¸ú©¸¸¢Ÿ¸¥¸í¾.

ii) „Æ÷¸ˆÅú¢›¸Š¸£¸›¸úˆ½Å¢¥¸‡¤¸ÿˆÅŸ¸ÊœÏ¢÷¸£®¸µ¸(í½¢]¸¿Š¸)¨¸œÏ¸½¬¸½¬¸½¬¸›¸ú¢÷¸¡¸¸¿¥¸¸Š¸»íÿ.

iii) ÷¸º¥¸›¸œ¸°¸œÏ¤¸¿š¸›¸í½÷¸ºœÏ¢÷¸£¢®¸÷¸(í½¢]¸¿Š¸)¥¸½›¸™½›¸¢ˆÅ‡Š¸‡íÿ.]¸¸½¢‰¸Ÿ¸¸ÊˆÅú¢›¸Š¸£¸›¸ú‚¸¾£¢£œ¸¸½¢’ôŠ¸ˆ½Å¢¥¸‡„¢\¸÷¸œÏµ¸¸¥¸ú¢¨¸Ô¸Ÿ¸¸›¸í¾.

iv) ”½¢£¨¸½¢’¨¸ œ¸¢£\¸¸¥¸›¸¸Êˆ½Å]¸¸½¢‰¸Ÿ¸ œÏ¤¸¿š¸›¸ˆÅ¸¡¸Äˆ½Å œÏŸ¸º‰¸‡ˆÅ„\\¸¬÷¸£ú¡¸ œÏ¤¸¿š¸›¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅí¸½÷¸½íÿ,]¸¸½¤¸ÿˆÅ ½ÅœÏš¸¸›¸ Å¸¡¸¸Ä¥¸¡¸ Å¸½¢£œ¸¸½’Ä Å£÷¸½íÿ.¬¨¸¾œ¸¸Ê Åú¢›¸Š¸£¸›¸ú¢›¸¡¸¢Ÿ¸÷¸‚¸š¸¸£œ¸£ˆÅú]¸¸÷¸úí¾.

v) Ÿ¸í÷¨¸œ¸»µ¸Ä¥¸½‰¸¸-›¸ú¢÷¸¡¸¸ÊˆÅú‚›¸º¬¸»\¸ú17ˆ½Åœ¸¢£\Ž½™3.5(‡ûÅ)(ii)Ÿ¸Ê¢¨¸¢›¸¢™Ä«’¢ˆÅ‡‚›¸º¬¸¸£,¤¸ÿˆÅŸ¸Ê œÏ¢÷¸£¢®¸÷¸‚¸¾£Š¸¾£-œÏ¢÷¸£¢®¸÷¸¨¡¸¨¸í¸£¸ÊˆÅ¸½‚¢ž¸¥¸½‰¸¤¸š™ˆÅ£›¸½ˆÅú„¢\¸÷¸¥¸½‰¸¸›¸ú¢÷¸ ¢¨¸Ô¸Ÿ¸¸›¸í¾, ¢]¸¬¸Ÿ¸Ê‚¸¡¸¢›¸š¸¸Ä£µ¸,¤¸ˆÅ¸¡¸¸ˆÅ£¸£¸ÊˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸‚¸¾£†µ¸]¸¸½¢‰¸Ÿ¸ˆÅ¸½ˆÅŸ¸ˆÅ£›¸¸©¸¸¢Ÿ¸¥¸í¾.

vi) ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ‚¸¾£ \¸¸¥¸» ¢¨¸Š¸¸½œ¸›¸ œÏ¢ÇÅ¡¸¸ ˆ½Å ‚›¸º¬¸¸£œ¸¢£ˆÅ¢¥¸÷¸¬¸¿¢¨¸™¸”½¢£¨¸½¢’¨¸ˆ½Å†µ¸¢¨¸Š¸¸½œ¸›¸œ¸£¤¸ÿˆÅ×¸£¸‚œ¸½¢®¸÷¸œÏ¸¨¸š¸¸›¸ˆÅ£¢¥¸‡Š¸‡íÿ.

3.3.2 Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ À

(²Å. ˆÅ£¸½”õ Ÿ¸Ê)

ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ ˆÅ£½›¬¸ú ”½¢£¨¸½¢’¨¸ ¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸

2016-17 2015-16 2016-17 2015-16(i) ”½¢£¨¸½¢’¨¸(ˆÅ¦¥œ¸÷¸Ÿ¸»¥¸š¸›¸£¸¢©¸) 12997.65 14089.80 100.00 425.00

ˆÅ)œÏ¢÷¸£®¸µ¸(í½¢]¸¿Š¸)ˆ½Å¢¥¸‡ 7065.81 2695.06 0.00 0.00‰¸)¥¸½›¸™½›¸(’ï½¢”¿Š¸)ˆ½Å¢¥¸‡ 5931.84 11394.74 100.00 425.00

(ii) ¤¸¸]¸¸£í½÷¸º¢\¸¦›í÷¸¦¬˜¸¢÷¸¡¸¸¿(1)ˆÅ)‚¸¦¬÷¸(+) 175.81 40.00 0.00 0.00‰¸)™½¡¸÷¸¸‡¿(-) - 0.00 (-)0.46 (-)0.84


66

(iii) CreditExposure[2] 435.76 321.80 0.75 4.50(iv) Likelyimpactofoneper-

centagechangeininterestrate(100*PV01)(a)Onhedgingderivatives 0.37 0.02 0.00 0.00

(b)Ontradingderivatives 1.08 0.07 0.02 9.37(v) MaximumandMinimumof

100*PV01observedduringtheyear

(a)Onhedging Max:3.37Min:0.02

Max:4.32Min:0.02

Max:NAMin:NA

Max:NAMin:NA

(b)Ontrading Max:1.98Min:0.05

Max:13.78Min:0.07

Max:0.11Min:0.02

Max:9.37Min:1.77

3.4 Standard provision on derivative exposure:

(Rs.inCrores)

S. N. Particulars

31.03.2017

Credit Exposure

Provision as applicable

tostandard advances

1 Interestratederivative 0.75 0.0032 Foreignexchangederivative 477.11 1.913 Goldcontract Nil Nil4 Creditdefaultswaps Nil Nil

Total 477.86 1.913

*CreditExposurecalculatedasperRWAguidelinesofBaselIII.

3.5 Credit Default Swaps (CDS):

TheBankhasnocreditdefaultswapsduringtheyear2016-17orasonMarch31,2017isNil.4. Asset Quality 4.1 Non-Performing Assets

(Rs.inCrores)

Particulars 31.03.2017 31.03.2016(i)NetNPAstoNetAdvances(%) 11.76 6.35(ii)Movement of NPAs (Gross)

(a)Openingbalance 10385.85 6402.06(b)Additionsduringtheyear 9119.05 5723.85(c)Reductionsduringtheyear 2316.19 1740.06(d)Closingbalance 17188.71 10385.85

(iii) Movement of Net NPAs (a)Openingbalance 6832.03 4126.57Add:ECGC/DICGCSettledamount 87.30 49.22

GrossOpeningBalance 6919.33 4175.79(b)Additionsduringtheyear 7101.09 2844.03(c)Reductionsduringtheyear 2689.23 100.49(d)Grossclosingbalance 11331.19 6919.33Less:ECGC/DICGCSettledamount 101.63 87.30

NetclosingBalance 11229.56 6832.03

(iii) †µ¸¢¨¸Š¸¸½œ¸›¸(2) 435.76 321.80 0.75 4.50(iv) ¤¡¸¸]¸™£Ÿ¸Ê‡ˆÅœÏ¢÷¸©¸÷¸œ¸¢£¨¸÷¸Ä›¸

ˆÅ¸¬¸¿ž¸¸¢¨¸÷¸‚¬¸£(100*œ¸ú¨¸ú01)ˆÅ)í½¢]¸¿Š¸”½¢£¨¸½¢’¨¸œ¸£ 0.37 0.02 0.00 0.00‰¸)¥¸½›¸™½›¸”½¢£¨¸½¢’¨¸œ¸£ 1.08 0.07 0.02 9.37

(v) ¨¸«¸Äˆ½Å™¸¾£¸›¸100*œ¸ú¨¸ú01‚¨¸¥¸¸½¢ˆÅ÷¸‚¢š¸ˆÅ÷¸Ÿ¸‚¸¾£›¡¸»›¸÷¸Ÿ¸¬÷¸£1)œÏ¢÷¸£®¸µ¸(í½¢]¸¿Š¸)œ¸£

‚¢š¸:3.37›¡¸»›¸:0.02

‚¢š¸:4.32›¡¸»›¸:0.02

‚¢š¸:¥¸¸Š¸»›¸íú¿›¡¸»›¸:¥¸¸Š¸»›¸íú¿

‚¢š¸:¥¸¸Š¸».›¸íú¿›¡¸»›¸À¥¸¸Š¸».›¸íú¿

2)¥¸½›¸™½›¸(’ï½¢”¿Š¸)œ¸£ ‚¢š¸:1.98›¡¸»›¸:0.05

‚¢š¸:13.78›¡¸»›¸:0.07

‚¢š¸À0.11›¡¸»›¸:0.02

‚¢š¸:9.37›¡¸»›¸:1.77

3.4 ”½¢£¨¸½¢’¨¸ ¢¨¸Š¸¸½œ¸›¸ œ¸£ Ÿ¸¸›¸ˆÅ œÏ¸¨¸š¸¸›¸À


ÇÅ. ¢¨¸¨¸£µ¸ 31.03.2017†µ¸¢¨¸Š¸¸½œ¸›¸

Ÿ¸¸›¸ˆÅ‚¢ŠÏŸ¸¸Êœ¸£¥¸¸Š¸»œÏ¸¨¸š¸¸›¸

1 ¤¡¸¸]¸™£”½¢£¨¸½¢’¨¸ 0.75 0.0032 ¢¨¸™½©¸ú¢¨¸¢›¸Ÿ¸¡¸”½¢£¨¸½¢’¨¸ 477.11 1.913 ¬¨¸µ¸Ä¬¸¿¢¨¸™¸ ©¸»›¡¸ ©¸»›¡¸4 †µ¸\¸»ˆÅ¬¨¸¾œ¸ ©¸»›¡¸ ©¸»›¡¸

ˆºÅ¥¸ 477.86 1.913

* †µ¸ ¢¨¸Š¸¸½œ¸›¸ ˆÅú Š¸µ¸›¸¸ ¤¸½¬¸¥¸ III ˆ½Å ]¸¸½¢‰¸Ÿ¸ ž¸¸¢£÷¸ ‚¸¦¬÷¸ (‚¸£”Ã¤¥¡¸»‡)¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£—

3.5 †µ¸\¸»ˆÅ¬¨¸¾œ¸(¬¸ú”ú‡¬¸)À

¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¤¸ÿˆÅˆÅ¸ˆÅ¸½ƒÄ†µ¸\¸»ˆÅ¬¨¸¾œ¸(¬¸ú”ú‡¬¸)›¸íú¿í¾¡¸¸¢™›¸¸¿ˆÅ31Ÿ¸¸\¸Ä,2017ˆÅ¸½©¸»›¡¸í¾.

4 ‚¸¦¬÷¸Š¸ºµ¸¨¸î¸¸

4.1‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016(i)¢›¸¨¸¥¸‚¢ŠÏŸ¸¸ÊŸ¸Ê¢›¸¨¸¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿(%) 11.76 6.35

(ii)‚›¸]¸ÄˆÅ‚¸¦¬÷¸Š¸¢÷¸©¸ú¥¸÷¸¸(¬¸ˆÅ¥¸)(ˆÅ)œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 10385.85 6402.06(‰¸)¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸¢£¨¸š¸Ä›¸ 9119.05 5723.85(Š¸)¨¸«¸Äˆ½Å™¸¾£¸›¸ˆÅŸ¸ú 2316.19 1740.06(‹¸)‚¿¢÷¸Ÿ¸©¸½«¸ 17188.71 10385.85

(iii)¢›¸¨¸¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊˆÅúŠ¸¢÷¸©¸ú¥¸÷¸¸ (ˆÅ)œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 6832.03 4126.57]¸¸½”Ê-ƒÄ¬¸ú]¸ú¬¸ú/”ú‚¸ƒÄ¬¸ú]¸ú¬¸ú×¸£¸¢›¸œ¸’¸¡¸½Š¸¡¸½‰¸¸÷¸½ 87.30 49.22¬¸ˆÅ¥¸œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 6919.33 4175.79(‰¸)¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸¢£¨¸š¸Ä›¸ 7101.09 2844.03(Š¸)¨¸«¸Äˆ½Å™¸¾£¸›¸ˆÅŸ¸ú 2689.23 100.49(‹¸)¬¸ˆÅ¥¸‚¿¢÷¸Ÿ¸©¸½«¸ 11331.19 6919.33‹¸’¸¡¸Ê-ƒ¬¸ú]¸ú¬¸ú/”ú‚¸ƒÄ¬¸ú]¸ú¬¸ú¢›¸œ¸’¸¡¸½Š¸¡¸½‰¸¸÷¸½ 101.63 87.30¢›¸¨¸¥¸‚¿¢÷¸Ÿ¸©¸½«¸ 11229.56 6832.03

67


(iv)Movement of provisions for NPAs(excludingprovisionsonstandardassets)(a)Openingbalance 3425.61 2136.49(b)Provisionsmadeduringtheyear* 3688.34 2164.05

(c)Write-back/writeoffofexcessprovisions 1319.10 874.93

(d)Closingbalance 5794.85 3425.61

*includesprovisiontowardsaccountsclassifiedasfraudamountingtoRs.303.76crores(Rs.54.21crores).4.2 Divergence in Asset Classification and Provisioning for

NPAs

(RsinCrores)

S N Particulars Amount

1 GrossNPAsasonMarch31,2016asreportedbythebank 10385.85

2 GrossNPAsasonMarch31,2016asassessedbyRBI 13419.45

3 DivergenceinGrossNPAs(2-1) 3033.60

4 NetNPAsasonMarch31,2016asreportedbythebank 6832.03

5 NetNPAsasofMarch31,2016asassessedbyRBI 9865.63

6 DivergenceinNetNPAs(5-4) 3033.60

7 Provisions for NPAs as on March 31, 2016 as reported by the bank 3425.61

8 Provisions for NPAs as on March 31, 2016 as assessed by RBI 3930.81

9 Divergence in provisioning (8-7) 505.20

10 Reported Net Profit after Tax (PAT) for the year ended March 31, 2016 100.69

11

Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 2016 after tak-ing into account the divergence in provision-ing

(404.51)

4.3 Details of financial assets sold to securitization / Reconstruction Company for Asset Reconstruction

(Rs.inCrores)

S. N. Particulars 31.03.2017 31.03.2016

1 No.ofaccounts 6 8

2 Aggregatevalue(netofprovisions)ofaccountssoldtoSC/RC 86.97 72.10

3 Aggregateconsideration 168.90 48.48

4 Additionalconsiderationrealizedinrespectofaccountstransferredinearlieryears 0.00 0.00

5 Aggregategain/lossovernetbookvalue. 81.93 (-)28.72

During theyear2016-17, theBankhassoldnon-performingassetsofthebookvalueofRs.86.97crores(Rs.72.10crores)includingRs.86.97 crores (Rs.1.94 crores), during the quarter endedMarch 31,2017resultinginreductionofNPAs.

As per guidelines issued by RBI vide master circular DBR.No.BP.BC.2/21.04.048/2015-16,dated01.07.2015,bankshavebeenallowedtoamortiseshortfallarisingfromsaleoffinancialassetstoARC,forassetssoldfrom26.02.2014andupto31.03.2016overaperiodoftwoyears.ConsequentlytheBankhasamortisedRs.14.33croresduringtheyearendedMarch31,2017(Rs.14.39croresforpreviousyearMarch2016).During the current financial year, there is no shortfallarisingfromsaleoffinancialassetstoARCs.

(iv)‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Êˆ½ÅœÏ¸¨¸š¸¸›¸¸ÊˆÅúŠ¸¢÷¸©¸ú¥¸÷¸¸(Ÿ¸¸›¸ˆÅ‚¸¦¬÷¸¡¸¸Êˆ½ÅœÏ¸¨¸š¸¸›¸¸ÊˆÅ¸½Ž¸½”õˆÅ£)(ˆÅ)œÏ¸£¿¢ž¸ˆÅ©¸½«¸ 3425.61 2136.49(‰¸)¨¸«¸Äˆ½Å™¸¾£¸›¸¢ˆÅ‡Š¸‡œÏ¸¨¸š¸¸›¸* 3688.34 2164.05(Š¸)‚¢÷¸¢£Æ÷¸œÏ¸¨¸š¸¸›¸¸ÊˆÅ¸œÏ¢÷¸¥¸½‰¸›¸/¤¸’Ã’½‰¸¸÷¸½”¸¥¸›¸¸ 1319.10 874.93(‹¸)‚¿¢÷¸Ÿ¸©¸½«¸ 5794.85 3425.61

*³Å.303.76ˆÅ£¸½”õ(54.21)ˆÅ£¸½”õˆÅú£¸¢©¸ˆ½Åš¸¸½‰¸¸š¸”õú£¸¢©¸ˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸‰¸¸÷¸½ˆ½ÅœÏ¸¨¸š¸¸›¸¬¸¢í÷¸.

4.2 œ¸¢£¬¸¿œ¸¢î¸¨¸Š¸úÄˆÅ£µ¸Ÿ¸Ê‚¿÷¸£‚¸¾£‚›¸]¸ÄˆÅ‚¸¦¬÷¸ˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸


ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ £¸¢©¸1 ¤¸ÿˆÅ×¸£¸¢£œ¸¸½’Ä¢ˆÅ‡‚›¸º¬¸¸£31Ÿ¸¸\¸Ä,2016ˆÅ¸½¬¸ˆÅ¥¸‡›¸œ¸ú‡ 10385.85

2 ž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅ×¸£¸¢›¸š¸¸Ä¢£÷¸¢ˆÅ‡‚›¸º¬¸¸£31Ÿ¸¸\¸Ä2016ˆÅ¸½¬¸ˆÅ¥¸‡›¸œ¸ú‡

13419.45

3 ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ Ÿ¸Ê ¢¨¸\¸¥¸›¸ (2-1) 3033.60

4 ¤¸ÿˆÅ×¸£¸¢£œ¸¸½’Ä¢ˆÅ‡‚›¸º¬¸¸£31Ÿ¸¸\¸Ä2016ˆÅ¸½¢›¸¨¸¥¸‡›¸œ¸ú‡ 6832.03

5 ž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅ×¸£¸¢›¸š¸¸Ä¢£÷¸¢ˆÅ‡‚›¸º¬¸¸£31Ÿ¸¸\¸Ä2016ˆÅ¸½¢›¸¨¸¥¸‡›¸œ¸ú‡

9865.63

6 ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ Ÿ¸Ê ¢¨¸\¸¥¸›¸ (5-4) 3033.60

7 ¤¸ÿˆÅ×¸£¸¢£œ¸¸½’Ä¢ˆÅ‡‚›¸º¬¸¸£31Ÿ¸¸\¸Ä2016 Å¸½‡›¸œ¸ú‡ ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸ 3425.61

8 ž¸¸£÷¸ú¡¸ ¢£]¸¨¸Ä ¤¸ÿˆÅ ×¸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ ‚›¸º¬¸¸£ 31 Ÿ¸¸\¸Ä 2016 ˆÅ¸½‡›¸œ¸ú‡ ˆ½Å ¢¥¸‡ œÏ¸¨¸š¸¸›¸ 3930.81

9 œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ‚¿÷¸£ (8-7) 505.20

10 31Ÿ¸¸\¸Ä,2016ˆÅ¸½¬¸Ÿ¸¸œ÷¸ ¨¸«¸Äˆ½Å ¢¥¸‡ˆÅ£ˆ½Å¤¸¸™¢£œ¸¸½’Ä ¢ˆÅ¡¸¸Š¸¡¸¸¢›¸¨¸¥¸¥¸¸ž¸(œ¸ú‡’ú) 100.69

11 31 Ÿ¸¸\¸Ä,2016ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Äˆ½Å ¢¥¸‡¬¸Ÿ¸¸¡¸¸½¢]¸÷¸(ˆÅ¸¥œ¸¢›¸ˆÅ)ˆÅ£ˆ½Å¤¸¸™¢›¸¨¸¥¸¥¸¸ž¸(œ¸ú’ú‡)œÏ¸¨¸š¸¸›¸ Ÿ¸Ê ¢¨¸\¸¥¸›¸ ˆÅ¸½ š¡¸¸›¸ Ÿ¸Ê £‰¸÷¸½ íº‡ (404.51)

4.3 ‚¸¦¬÷¸ œ¸º›¸¢›¸ÄŸ¸¸µ¸ í½÷¸º œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ / œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸›¸ú ˆÅ¸½ ¤¸½\¸ú Š¸ƒÄ¢¨¸î¸ú¡¸‚¸¦¬÷¸¡¸¸ÊˆÅ¸¢¨¸¨¸£µ¸


ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016 1 ‰¸¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 6 8

2œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸/œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ ˆ¿Åœ¸›¸ú ˆÅ¸½¤¸½\¸½ Š¸‡ ‰¸¸÷¸¸Ê ˆÅ¸ (œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å¤¸¸™)ˆºÅ¥¸Ÿ¸»¥¡¸

86.97 72.10

3 ˆºÅ¥¸œÏ¢÷¸ûÅ¥¸ 168.90 48.48

4 œ¸»¨¸Ä¨¸«¸¸½ôŸ¸Ê‚¿÷¸¢£÷¸‰¸¸÷¸¸Êˆ½ÅŸ¸¸Ÿ¸¥¸½Ÿ¸ÊœÏ¸œ÷¸‚¢÷¸¢£Æ÷¸œÏ¢÷¸ûÅ¥¸ 0.00 0

5 ¢›¸¨¸¥¸ ‰¸¸÷¸¸¤¸íú Ÿ¸»¥¡¸ œ¸£ ¬¸ˆÅ¥¸œÏ¸¦œ÷¸/í¸¢›¸ 81.93 (-)28.72

¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸,¤¸ÿˆÅ›¸½31Ÿ¸¸\¸Ä,2017ˆÅ¸½¬¸Ÿ¸¸œ÷¸¢÷¸Ÿ¸¸íúˆ½Å™¸¾£¸›¸²Å.86.97ˆÅ£¸½”õ (³Å.1.94ˆÅ£¸½”õ) ¬¸¢í÷¸, ²Å.86.97ˆÅ£¸½”õ (³Å.72.10ˆÅ£¸½”õ) ¤¸íú Ÿ¸»¥¡¸ ˆÅú‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿¤¸½\¸ú¿,¢]¸¬¸ˆ½Åœ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊŸ¸ÊˆÅŸ¸ú‚¸ƒÄ.

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ×¸£¸ ¢™›¸¸¿ˆÅ 01.07.2015 ˆ½Å ‚œ¸›¸½ Ÿ¸¸¬’£ œ¸¢£œ¸°¸ ”ú¤¸ú‚¸£.ÇÅ.¤¸úœ¸ú.¤¸ú¬¸ú.2/21.04.048/2015-16×¸£¸]¸¸£ú¢ˆÅ‡Š¸‡¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£26.02.2014¬¸½‚¸¾£31.03.2016÷¸ˆÅ™¸½¬¸¸¥¸ˆÅú‚¨¸¢š¸Ÿ¸Ê¤¸½\¸ú¬¸¿œ¸¢î¸í½÷¸º¢¨¸î¸ú¡¸ ¬¸¿œ¸¢î¸¡¸¸ÊˆÅú‡‚¸£¬¸úˆÅ¸½ ¢¤¸ÇÅú ¬¸½ í¸½›¸½ ¨¸¸¥¸úˆÅŸ¸ú¿ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ¸Ê ˆÅ¸½œ¸¢£©¸¸½š¸›¸ˆÅ£›¸½ˆÅú‚›¸ºŸ¸¢÷¸™úŠ¸ƒÄí¾.÷¸™›¸º¬¸¸£¤¸ÿˆÅ×¸£¸31Ÿ¸¸\¸Ä,2017ˆÅ¸½¬¸Ÿ¸¸œ÷¸¨¸«¸Äˆ½Å™¸¾£¸›¸³Å.14.33ˆÅ£¸½”õ(¢¨¸Š¸÷¸¨¸«¸ÄŸ¸¸\¸Ä2016 ˆ½Å¢¥¸‡³Å.14.39ˆÅ£¸½”õ)ˆÅ¸œ¸¢£©¸¸½š¸›¸ ¢ˆÅ¡¸¸Š¸¡¸¸í¾.\¸¸¥¸» ¢¨¸î¸ú¡¸¨¸«¸Äˆ½Å™¸¾£¸›¸, ¢¨¸î¸ú¡¸¬¸¿œ¸¢î¸¡¸¸ÊˆÅú‡‚¸£¬¸úˆÅ¸½¢¤¸ÇÅú ¬¸½ˆÅ¸½ƒÄˆÅŸ¸ú¿›¸íú¿‚¸¡¸úí¾.


68

4.4 Sale of financial assets to Securitization Company / Reconstruction Company and related issues

(Rs.inCrores)

Particulars

BackedbyNPAssoldbythebankasunderlying

Backed by NPAs soldby other banks/financialinstitutions/non-financialcompaniesasunderlying

Total

CurrentYear

PreviousYear

CurrentYear

PreviousYear

CurrentYear

PreviousYear

31.3.2017 31.3.2016 31.3.2017 31.3.2016 31.3.2017 31.3.2016

Book Value ofInvestment inSecurityReceipts

*127.71 40.90 - - 127.71 40.90

*Note:BankhasappliedwithfundtransferredtoARCforsubscriptionofSecurityReceipts(SRs)amountingtoRs.127.71croresduringFY2016-17.AllotmentofSRinDEMATformbyARCisinprocess.

Thedetailsofthebookvalueofinvestmentsoutstandingattheendoftheyearinsecurityreceiptsareasunder:

(Rs.inCrores)

Particulars Ason31.3.2017

Ason31.3.2016

i)BackedbyNPAssoldbyBankasunderlying 102.28 106.34ii)BackedbyNPAssoldbyotherBanks /financial institu-tions/non-bankingfinancialcompaniesasunderlying 0.00 0.00

Total 102.28 106.34

Disclosure of investment in Security Receipts (RsinCrores)

ParticularsSRsissuedwithinpast5years

SRsissuedmorethan5yearsagobutwithinpast8

years

SRsissuedmorethan8yearsago

i) BookValueofSRsBackedbyNPAssoldbythebankasunderlying

99.53 0.00 2.75

Provisionheldagainst(i) 0.96 0.00 2.75ii) BookValueofSRsBackedbyNPAssold

by other banks / financial institutions /non-banking financial companies as un-derlying

0.00 0.00 0.00

Provisionheldagainst(ii) 0.00 0.00 0.00TOTALi)+ii) 99.53 0.00 2.75As per RBI circular DBR No. BP.BC.102/21.04.048/2015-16 dated13.06.2016, Nil provisions was made during the year to meet theshortfall insaleofNPA’s toSecuritizationCompany/ReconstructionCompanyandunamortizedprovisionwasdebitedtootherreservesattheendoftheyear.4.5 Details of non- performing financial assets purchased from

other Banks (Rs.inCrores)

Particulars 31.03.2017 31.03.2016

1(a)No.ofaccountspurchasedduringtheyear Nil Nil(b)Aggregateoutstanding 0.00 0.002(a)Ofthese,noofaccountsrestructuredduringtheyear Nil Nil(b)Aggregateoutstanding 0.00 0.00

4.4 œÏ¢÷¸ž¸»¢÷¸ˆÅ£µ¸ / œ¸º›¸¢›¸ÄŸ¸¸Äµ¸ˆ¿Åœ¸›¸ú ˆÅ¸½ ¢¨¸î¸ú¡¸‚¸¦¬÷¸¡¸¸Ê ˆÅú ¢¤¸ÇÅú‚¸¾£¬¸¿¤¸¿¢š¸÷¸Ÿ¸ºÓ½

(²Å.ˆÅ£¸½”õ Ÿ¸Ê)¢¨¸¨¸£µ¸ ¤¸ÿˆÅ×¸£¸¤¸½\¸úŠ¸ƒÄ‚¿÷¸¢›¸Ä¢í÷¸

‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Ê×¸£¸¬¸Ÿ¸¢˜¸Ä÷¸

‚›¡¸¤¸ÿˆÅ¸Ê/¢¨¸î¸ú¡¸¬¸¿¬˜¸¸›¸¸Ê/Š¸¾£¢¨¸î¸ú¡¸ˆ¿Åœ¸¢›¸¡¸¸Ê×¸£¸¤¸½\¸úŠ¸ƒÄ‚¿÷¸¢›¸Ä¢í÷¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Ê×¸£¸¬¸Ÿ¸¢˜¸Ä÷¸

ˆºÅ¥¸

\¸¸¥¸»¨¸«¸Ä ¢œ¸Ž¥¸½¨¸«¸Ä \¸¸¥¸»¨¸«¸Ä ¢œ¸Ž¥¸½¨¸«¸Ä \¸¸¥¸»¨¸«¸Ä ¢œ¸Ž¥¸½¨¸«¸Ä31.3.2017 31.3.2016 31.3.2017 31.3.2016 31.3.2017 31.3.2016

]¸Ÿ¸¸›¸÷¸ £¬¸ú™¸ÊŸ¸Ê ¢›¸¨¸½©¸ˆÅ¸¤¸íúŸ¸»¥¡¸

*127.71 40.90 - - 127.71 40.90

* ¢’œœ¸µ¸ú À¤¸ÿˆÅ×¸£¸›¸½¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸³Å.127.71ˆÅ£¸½”õˆÅú£¸¢©¸œÏ¢÷¸ž¸»¢÷¸œÏ¸¦œ÷¸¡¸¸Ê(‡¬¸‚¸£)ˆÅú¬¸™¬¡¸÷¸¸ˆ½Å¢¥¸‡‡‚¸£¬¸úˆÅ¸½í¬÷¸¸¿÷¸¢£÷¸¢›¸¢š¸ˆ½Å¬¸¸˜¸‚¸¨¸½¢™÷¸í¾.‡‚¸£¬¸ú×¸£¸”úŸ¸½’Ÿ¸Ê‡¬¸‚¸£ˆÅ¸‚¸¤¸¿’›¸œÏ¢ÇÅ¡¸¸š¸ú›¸í¾.

œÏ¢÷¸ž¸»¢÷¸£¬¸ú™¸ÊŸ¸Ê¨¸«¸ÄˆÅú¬¸Ÿ¸¸¦œ÷¸œ¸£¤¸ˆÅ¸¡¸¸¢›¸¨¸½©¸¸Êˆ½Å¤¸íúŸ¸»¥¡¸ˆ½Å¤¡¸¸¾£½¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ(²Å.ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ 31.03.2017ˆÅ¸½ 31.03.2016ˆÅ¸½

i) ƒ¬¸³Åœ¸Ÿ¸Ê¤¸ÿˆÅ×¸£¸¤¸½\¸úŠ¸ƒÄ‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Ê×¸£¸¬¸Ÿ¸¢˜¸Ä÷¸ 102.28 106.34

ii) ƒ¬¸³Åœ¸Ÿ¸Ê‚›¡¸¤¸ÿˆÅ¸Ê/¢¨¸î¸ú¡¸¬¸¿¬˜¸¸›¸¸Ê/Š¸¾£¤¸ÿ¢ˆ¿ÅŠ¸¢¨¸î¸ú¡¸ˆ¿Åœ¸¢›¸¡¸¸Ê×¸£¸¤¸½\¸úŠ¸ƒÄ‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Ê×¸£¸¬¸Ÿ¸¢˜¸Ä÷¸

0.00 0.00

ˆºÅ¥¸ 102.28 106.34

œÏ¢÷¸ž¸»¢÷¸£¬¸ú™¸ÊŸ¸Ê¢›¸¨¸½©¸ˆÅ¸œÏˆÅ’úˆÅ£µ¸(²Å.ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ ¢œ¸Ž¥¸½5¨¸«¸¸½ôŸ¸Ê]¸¸£úˆÅúŠ¸ƒÄ‡¬¸‚¸£

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4.6 Details of non- performing financial assets sold to other Banks

(Rs.inCrores)

Particulars 31.03.2017 31.03.20161.No.ofaccountssoldduringtheyear Nil Nil2.Aggregateoutstanding 0.00 0.003.Aggregateconsiderationreceived 0.00 0.00

4.7 Disclosure relating to Securitization:

(Rs.InCrores)

S. N. Particulars No. /

Amount

1 NoofSPVssponsoredbythebankforsecuritiza-tiontransactions*

Nil

2 TotalamountofsecuritizedassetsasperbooksoftheSPVssponsoredbythebank

3 TotalamountofexposuresretainedbythebanktocomplywithMRRasonthedateofbalancesheeta) Off-balancesheetexposures

Firstloss Othersb) On-balancesheetexposures Firstloss Others

4 AmountofexposurestosecuritizationtransactionsotherthanMRRa) Off-balancesheetexposures i) Exposuretoownsecuritizations Firstloss Loss

ii) Exposuretothirdpartysecuritizations

Firstloss

Others

b) On-balancesheetexposures

i) Exposuretoownsecuritizations

Firstloss

Others

ii) Exposuretothirdpartysecuritizations

Firstloss

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4.8 Particulars of Accounts Restructured

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÷¸/›¸‡¬¸¿¢¨¸÷¸£µ¸/œ¸»›¸ž¸»ÄŠ¸÷¸¸›¸ˆ½ˆÅ¸£µ¸í¾. Variationinrestructuredamountismainlyonaccountofadditio

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71


4.9 Sustainable structuring of stressed assets (S4A), as on 31.03.2017

(RsinCrores)

AssetClassification

NoofaccountswhereS4Ahasbeenapplied

Ag-gregateamountout-

standing

Amountoutstanding

ProvisionheldInPartA InPartB

Standard 1 30.96 30.96 Nil 0.12NPA 2 118.81 104.21 14.60 32.77

4.10 Flexible structuring of Existing Loans

(RsinCrores)

Period No.ofbor-rowerstakenupforflexiblystructuring

Amountofloanstakenupforflexiblestructuring

Exposureweightedav-eragedurationofloanstakenupforflexible

structuring

Classi-fiedasStandard

ClassifiedasNPA

Beforeapplyingflexible

structuring

Afterapplyingflexible

structuring

Previousfinancialyear-2015-16 7 352.85 1653.69 4.57 14.28

4.9 31.03.2017ˆÅ¸½™¤¸¸¨¸ŠÏ¬÷¸‚¸¦¬÷¸¡¸¸¿(‡¬¸4‡)ˆÅú¬¸÷¸÷¸¬¸¿£\¸›¸¸


‚¸¦¬÷¸¨¸Š¸úÄˆÅ£µ¸

‰¸¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸]¸í¸¿

(‡¬¸4‡) ¥¸¸Š¸» ¢ˆÅ¡¸¸Š¸¡¸¸í¾

¤¸ˆÅ¸¡¸¸¬¸Ÿ¸ŠÏ £¸¢©¸

¤¸ˆÅ¸¡¸¸£¸¢©¸ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸ž¸¸Š¸‡Ÿ¸½¿ ž¸¸Š¸¤¸úŸ¸½¿

Ÿ¸¸›¸ˆÅ 1 30.96 30.96 ©¸»›¡¸ 0.12‡›¸œ¸ú‡ 2 118.81 104.21 14.60 32.77

4.10 ¢¨¸Ô¸Ÿ¸¸›¸ †µ¸¸Ê ˆÅú ¥¸¢\¸¥¸ú ¬¸¿£\¸›¸¸


‚¨¸¢š¸ ¥ ¸ \ ¸ ú ¥ ¸ ½ œ ¸ › ¸ˆÅú ¬¸¿£\¸›¸¸í½÷¸» Š¸‡„š¸¸£ˆÅ÷¸¸ Ä‚¸ ÊˆÅú¬¸¿‰¡¸¸

¥¸\¸ú¥¸½œ¸›¸ˆÅú¬¸¿£\¸›¸¸ˆ½Å¢¥¸‡¥¸úŠ¸ƒÄ†µ¸ˆÅú£¸¢©¸

¥¸\¸ú¥¸ú¬¸¿£\¸›¸¸ˆ½Å¢¥¸‡„“¸‡Š¸‡†µ¸¸ÊˆÅú‚¨¸¢š¸ˆÅ¸¢¨¸Š¸¸½œ¸›¸

ž¸¸¢£÷¸‚¸¾¬¸÷¸Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê

¨¸Š¸úÄˆ¼Å÷¸‡›¸œ¸ú‡ˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸

¥¸\¸ú¥¸ú¬¸¿£\¸›¸¸¥¸¸Š¸»ˆÅ£›¸½¬¸½

œ¸í¥¸½

¥¸\¸ú¥¸ú¬¸¿£\¸›¸¸¥¸¸Š¸»ˆÅ£›¸½ˆ½Å

œ¸ä¸¸÷¸¢¨¸Š¸÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä-2015-16

7 352.85 1653.69 4.57 14.28

\¸¸¥¸»¢¨¸î¸ú¡¸¨¸«¸Ä-2016-17

1 0.18 ©¸»›¡¸ 9.13 9.18

4.11£µ¸›¸ú¢÷¸ˆÅ†µ¸œ¸º›¸¬¸Ä£\¸›¸¸¡¸¸½]¸›¸¸(]¸¸½‰¸¸÷¸½‚ž¸úž¸ú¢¬˜¸£‚¨¸¢š¸ˆ½Å‚¿÷¸Š¸Ä÷¸íÿ) Strategic Debt Restructuring Scheme (accounts which are currently under the stand still period)

(RsinCrores)(²Å.ˆÅ£¸½”õŸ¸Ê)

‰¸¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ]¸í¸¿‡¬¸”ú‚¸£ ¥¸¸Š¸» ¢ˆÅ¡¸¸Š¸¡¸¸í¾

NoofaccountswhereSDRhasbeeninvoked

¢£œ¸¸½¢’ôŠ¸¢÷¸¢˜¸ˆÅ¸½¤¸ˆÅ¸¡¸¸£¸¢©¸AmountOutstandingasonthe

reportingdate

]¸í¸¿ƒ¦Æ¨¸’úˆ½Å¢¥¸‡†µ¸ˆÅ¸³Åœ¸¸¿÷¸£µ¸¥¸¿¢¤¸÷¸‡½¬¸½‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¢£œ¸¸½¢’ôŠ¸¢÷¸¢˜¸ˆÅ¸½¤¸ˆÅ¸¡¸¸£¸¢©¸

Amountoutstandingasonreportingdatewithrespecttoaccountswhereconversion

ofdebttoequityispending

]¸í¸¿ƒ¦Æ¨¸’úˆ½Å¢¥¸‡†µ¸ˆÅ¸³Åœ¸¸¿÷¸£µ¸íº‚¸í¾‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¢£œ¸¸½¢’ôŠ¸¢÷¸¢˜¸ˆÅ¸½

¤¸ˆÅ¸¡¸¸£¸¢©¸Amountoutstandingasonreportingdatewithrespecttoaccountswhereconversionofdebttoequityhas

takenplace

Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¨¸$¸úÄˆ¼Å÷¸ClassifiedasStandard

‡›¸œ¸ú‡ˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸

ClassifiedasNPA

Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¨¸$¸úÄˆ¼Å÷¸

ClassifiedasStandard

‡›¸œ¸ú‡ˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸**

ClassifiedasNPA**

Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¨¸$¸úÄˆ¼Å÷¸ClassifiedasStandard

‡›¸œ¸ú‡ ˆ½Å ³Åœ¸ Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸

ClassifiedasNPA

20 802.83 2337.53 Nil 19.06 802.83 113.13

**³Å.2205.34ˆÅ£¸½”ˆ½Åõ‡½¬¸½Ÿ¸¸Ÿ¸¥¸½]¸í¸¿†µ¸ˆÅ¸ƒ¦Æ¨¸’úŸ¸Ê³Åœ¸¸¿÷¸£µ¸í½÷¸»31.03.2017ˆÅ¸½210¢™›¸¸½¿ˆÅú‚¨¸¢š¸¬¸Ÿ¸¸œ÷¸íºƒÄí¾,ˆÅ¸½¢£œ¸¸½’Ä›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾.

**10casesamountingtoRs.2205.34croreswheretheperiodof210daysforconversionofdebtintoequityhasexpiredasof31.03.2017arenotreported


72

Currentfinancialyear-2016-17 1 0.18 Nil 9.13 9.18

4.12‡¬¸”ú‚¸£¡¸¸½]¸›¸¸ˆ½Å¤¸¸í£¬¨¸¸¢Ÿ¸÷¨¸Ÿ¸Êœ¸¢£¨¸÷¸Ä›¸(]¸¸½‰¸¸÷¸½‚ž¸úž¸ú¢¬˜¸£‚¨¸¢š¸ˆ½Å‚¿÷¸Š¸Ä÷¸íÿ

4.12 Change in ownership outside SDR Scheme (accounts which are currently under stand still period) (RsinCrores)(²Åœ¸‡ˆÅ£¸½”õŸ¸Ê)

‰¸¸÷¸¸Ê ˆÅú ¬¸¿‰¡¸¸ ]¸í¸¿¤¸ÿˆÅ¸Ê ›¸½ ¬¨¸¸¢Ÿ¸÷¨¸ Ÿ¸Êœ¸¢£¨¸÷¸Ä›¸ ˆÅ¸ û¾Å¬¸¥¸¸¢ˆÅ¡¸¸í¾

Noofaccountswherebankshavedecidedtoeffectchangeinownership

¢£œ¸¸½¢’ôŠ¸¢™›¸¸¿ˆÅˆÅ¸½¤¸ˆÅ¸¡¸¸£¸¢©¸

Amountoutstandingasonthereportingdate

‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸¢£œ¸¸½¢’ôŠ¸ˆÅú¢™›¸¸¿ˆÅˆ½Å³Åœ¸Ÿ¸Ê¤¸ˆÅ¸¡¸¸£¸¢©¸]¸í¸¿ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊˆÅúœÏ¢÷¸ž¸»¢÷¸/

ƒ¦Æ¨¸’úˆ½ÅœÏ¢÷¸ž¸»¢÷¸ˆÅ¸³Åœ¸¸¿÷¸£µ¸¥¸¿¢¤¸÷¸í¾

Amountoutstandingasonreportingdatewithrespecttoaccountswhereconver-sionofdebttoequity/in-vocationofpledgeofequity

sharesispending

‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¢£œ¸¸½¢’ôŠ¸ˆÅú¢÷¸¢˜¸ˆ½Å³Åœ¸Ÿ¸Ê¤¸ˆÅ¸¡¸¸£¸¢©¸,]¸í¸¿ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊˆÅúœÏ¢÷¸ž¸»¢÷¸/ƒ¦Æ¨¸’úˆ½ÅœÏ¢÷¸¬¸Ÿ¸œ¸Äµ¸ˆ½Å¢¥¸‡

³Åœ¸¸¿÷¸£µ¸¢ˆÅ¡¸¸Š¸¡¸¸í¾

Amountoutstandingasonreportingdatewithrespecttoaccountswhereconver-sionofdebttoequity/in-vocationofpledgeofequityshareshastakenplace

‰¸¸÷¸¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¢£œ¸¸½¢’ôŠ¸¢÷¸¢˜¸ˆ½Å³Åœ¸Ÿ¸Ê¤¸ˆÅ¸¡¸¸£¸¢©¸,]¸í¸¿›¸‡©¸½¡¸£]¸¸£ú

ˆÅ£›¸½¡¸¸œÏŸ¸¸½’£ƒ¦Æ¨¸’úˆÅú¢¤¸ÇÅúˆ½Å×¸£¸¬¨¸¸¢Ÿ¸÷¨¸Ÿ¸Ê¤¸™¥¸¸¨¸ˆÅúœ¸¢£ˆÅ¥œ¸›¸¸ˆÅú

Š¸ƒÄí¾

Amountoutstandingasonreport-ingdatewithrespecttoaccountswherechangeinownershipisenvisagedbyissuanceoffreshsharesorsaleofpromoters

equity

ˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸

Classifiedas


Classifiedas


Classifiedas


Classifiedas

Ÿ¸¸›¸ˆÅStandard

‡›¸œ¸ú‡NPA







1 89.25 Nil 89.25 Nil Nil Nil 89.25 Nil

4.13 Change in Ownership of Projects under Implementation (accounts which are currently under the stand still period)

(RsinCrores)

NoofProjectloanaccountswherebankshavedecidedtoeffectchangeinownership

Amountoutstandingasonthereportingdate

ClassifiedasStandard

Classifiedasstandardrestructured

ClassifiedasNPA

Nil Nil Nil Nil

4.13.1 IncaseofrestructuredloansasstandardassetsunderCDR/nonCDR,classificationofadvancesandconsequent incomerecognition have been done based on major compliancesof terms and conditions of restructuring package includingextensionperiodwhereverapplicable

4.14 Provisions on Standard Assets

(Rs.inCrores)

S.N Particulars 31.03.2017 31.03.20161 ProvisionstowardsStandardAdvances 655.57 660.17

2 ProvisionstowardsStandardAssets(Derivativeexposure)Forex 1.91 0.60

3 ProvisiontowardsUn-hedgedForeignCurrencyExposure 7.68 24.84

4 Interestratederivative 0.00 0.00Total 665.16 685.61

IncompliancewiththeRBIguidelines,theBankhasmaderemainingprudential provision ofRs. 11.70 crores on outstanding loanofRs.381.93croresason31stMarch2017underFoodCreditavailedbyGovernmentofPunjab.ThetotalprovisionheldisofRs.57.29crores,whichis15%ofoutstandingamount.

4.13 Å¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å‚š¸ú›¸ œ¸¢£¡¸¸½]¸›¸¸‚¸Ê ˆ½Å ¬¨¸¸¢Ÿ¸÷¨¸ Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ (]¸¸½ ‰¸¸÷¸½‚ž¸úž¸ú¢¬˜¸£‚¨¸¢š¸ˆ½Å‚¿÷¸Š¸Ä÷¸íÿ)


œ¸¢£¡¸¸½]¸›¸¸ †µ¸ ‰¸¸÷¸¸Ê ˆÅú¬¸¿‰¡¸¸ ]¸í¸¿ ¤¸ÿˆÅ¸Ê ›¸½ ¬¨¸¸¢Ÿ¸÷¨¸Ÿ¸Ê œ¸¢£¨¸÷¸Ä›¸ ˆÅ£›¸½ ˆÅ¸ ¢›¸µ¸Ä¡¸¢¥¸¡¸¸í¾

¢£œ¸¸½¢’ôŠ¸¢™›¸¸¿ˆÅˆ½Å‚›¸º¬¸¸£¤¸ˆÅ¸¡¸¸£¸¢©¸Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸ Ÿ¸¸›¸ˆÅˆ½Å³Åœ¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸

œ¸º›¸¬¸ô£\¸›¸¸‡›¸œ¸ú‡ˆ½Å³Åœ¸Ÿ¸Ê

¨¸Š¸úÄˆ¼Å÷¸

©¸»›¡¸ ©¸»›¡¸ ©¸»›¡¸ ©¸»›¡¸

4.13.1 ¬¸ú”ú‚¸£/Š¸¾£¬¸ú”ú‚¸£ˆ½Å‚¿÷¸Š¸Ä÷¸Ÿ¸¸›¸ˆÅœ¸¢£¬¸¿œ¸¢î¸¡¸¸Êˆ½Å³Åœ¸Ÿ¸Êœ¸º›¸Š¸Ä“›¸†µ¸ˆ½ÅŸ¸¸Ÿ¸¥¸½Ÿ¸Ê,‚¢ŠÏŸ¸¸ÊˆÅ¸¨¸Š¸úÄˆÅ£µ¸‚¸¾£œ¸¢£µ¸¸Ÿ¸ú‚¸¡¸Ÿ¸¸›¡¸÷¸¸ˆÅ¸½¢›¸¡¸Ÿ¸¸Ê‚¸¾£©¸÷¸¸½ôˆ½ÅœÏŸ¸º‰¸‚›¸ºœ¸¸¥¸›¸ˆ½Å‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾,]¸í¸¿¥¸¸Š¸»í¸½›¸½¨¸¸¥¸½œ¸º›¸Š¸Ä“›¸œ¸¾ˆ½Å]¸¢¨¸¬÷¸¸¢£÷¸‚¨¸¢š¸¬¸¢í÷¸í¾

4.14Ÿ¸¸›¸ˆÅ‚¸¦¬÷¸¡¸¸Êœ¸£œÏ¸¨¸š¸¸›¸


ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ 31.03.2017 31.03.20161 Ÿ¸¸›¸ˆÅ‚¸¦¬÷¸¡¸¸Êí½÷¸ºœÏ¸¨¸š¸¸›¸ 655.57 660.17

2 ûÅ¸Á£½Æ¬¸Ÿ¸¸›¸ˆÅ‚¸¦¬÷¸¡¸¸Ê(”½¢£¨¸½¢’¨¸¢¨¸Š¸¸½œ¸›¸)í½÷¸ºœÏ¸¨¸š¸¸›¸ 1.91 0.603 ‚¸£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸í½÷¸ºœÏ¸¨¸š¸¸›¸ 7.68 24.844 ”½¢£¨¸½¢’¨¸¤¡¸¸]¸™£ 0.00 0.00

ˆºÅ¥¸ 665.16 685.61

ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸ºœ¸¸¥¸›¸Ÿ¸Ê¤¸ÿˆÅ›¸½œ¸¿]¸¸¤¸¬¸£ˆÅ¸£×¸£¸¢¥¸‡Š¸‡‰¸¸Ô¸†µ¸ˆ½Å‚¿÷¸Š¸Ä÷¸31Ÿ¸¸\¸Ä,2017ˆÅ¸½ ²Å.381.93ˆÅ£¸½”õˆ½Å ¤¸ˆÅ¸¡¸¸†µ¸œ¸£³Å.11.70ˆÅ£¸½”õ¢¨¸¨¸½ˆÅœ¸»µ¸ÄœÏ¸¨¸š¸¸›¸¢ˆÅ¡¸¸í¾.ˆºÅ¥¸œÏ¸¨¸š¸¸›¸£¸¢©¸³Å.57.29ˆÅ£¸½”õˆÅúí¾,]¸¸½¤¸ˆÅ¸¡¸¸£¸¢©¸ˆÅ¸15%í¾.

73


4.15 Details of floating provision

(Rs.inCrores)

SN Particulars 31.03.2017 31.03.2016

a OpeningBalanceinthefloatingprovisionsaccount 0.00 0.00

b Thequantumoffloatingprovisionsmadeintheaccountingyear 0.00 0.00

c Amountofdrawdownmadeduringtheaccountingyear 0.00 0.00

d ClosingBalanceinthefloatingprovisionsaccount 0.00 0.00

The Bank is holding a general provision of Rs. 21.06 crores (Rs. 21.06 crores) which has been reckoned while computing theprovisioncoverageratio(PCR)asperRBIpermission.

5. Business Ratios

S N Particulars 31.03.2017 31.03.2016

i InterestIncomeasapercentagetoWorkingFunds. 7.55% 8.71%ii Non-InterestIncomeasapercentagetoWorkingFunds. 0.94% 0.68%iii OperatingProfitasapercentagetoWorkingFunds. 1.14% 1.56%iv ReturnonAssets (0.86) 0.07

v Business(Deposits+Advances)peremployee(Rs.inCrores) 18.40 18.02

vi ProfitperEmployee(Rs.inLakh) (10.58) 0.73

4.15‚¦¬˜¸£œÏ¸¨¸š¸¸›¸¸Êˆ½Å¢¨¸¨¸£µ¸


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016(ˆÅ)‚¦¬˜¸£œÏ¸¨¸š¸¸›¸¸Êˆ½Å‰¸¸÷¸½Ÿ¸ÊœÏ¸£¿¢ž¸ˆÅ©¸½«¸ 0.00 0.00(‰¸)¥¸½‰¸¸¨¸«¸Äˆ½Å™¸¾£¸›¸¢ˆÅ¡¸¸Š¸¡¸¸‚¦¬˜¸£œÏ¸¨¸š¸¸›¸ 0.00 0.00(Š¸)¥¸½‰¸¸¨¸«¸Äˆ½Å™¸¾£¸›¸‚¸í¢£÷¸ˆÅúŠ¸ƒÄ£ˆÅŸ¸ 0.00 0.00(‹¸)‚¦¬˜¸£œÏ¸¨¸š¸¸›¸¸Êˆ½Å‰¸¸÷¸¸ÊŸ¸Ê‚¿¢÷¸Ÿ¸©¸½«¸ 0.00 0.00¤¸ÿˆÅˆÅ¸²Å.21.06ˆÅ£¸½”õ(²Å.21.06ˆÅ£¸½”õ)¬¸¸Ÿ¸¸›¡¸œÏ¸¨¸š¸¸›¸í¾,]¸¸½¤¸ÿˆÅ×¸£¸ž¸¸£÷¸ú¡¸¢£{¸¨¸Ä¤¸ÿˆÅˆÅú‚›¸ºŸ¸¢÷¸¬¸½œÏ¸¨¸š¸¸›¸ˆÅ¨¸£½]¸‚›¸ºœ¸¸÷¸(œ¸ú¬¸ú‚¸£)ˆÅúŠ¸µ¸›¸¸í½÷¸ºœÏ¡¸ºÆ÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.

5. ˆÅ¸£¸½¤¸¸£ú‚›¸ºœ¸¸÷¸À

¢¨¸¨¸£µ¸ 31.03.2017 31.03.20161.ˆÅ¸¡¸ÄˆÅ¸£ú¢›¸¢š¸¡¸¸Ê¬¸½¤¡¸¸]¸‚¸¡¸ˆÅ¸œÏ¢÷¸©¸÷¸ 7.55% 8.71%2.ˆÅ¸¡¸ÄˆÅ¸£ú¢›¸¢š¸¡¸¸Ê¬¸½Š¸¾£¤¡¸¸]¸ú‚¸¡¸ˆÅ¸œÏ¢÷¸©¸÷¸ 0.94% 0.68%3.ˆÅ¸¡¸ÄˆÅ¸£ú¢›¸¢š¸¡¸¸Ê¬¸½œ¸¢£\¸¸¥¸›¸Š¸÷¸¥¸¸ž¸ˆÅ¸œÏ¢÷¸©¸÷¸ 1.14% 1.56%4.‚¸¦¬÷¸¡¸¸Êœ¸£‚¸¡¸ (0.86) 0.075.œÏ¢÷¸ˆÅŸ¸Ä\¸¸£úˆÅ¸£¸½¤¸¸£(]¸Ÿ¸¸+‚¢ŠÏŸ¸)(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê) 18.40 18.026.œÏ¢÷¸ˆÅŸ¸Ä\¸¸£ú¥¸¸ž¸(³Åœ¸¡¸½¥¸¸‰¸Ÿ¸Ê) (10.58) 0.73

6.‚¸¦¬÷¸™½¡¸÷¸¸œÏ¤¸¿š¸›¸À Asset Liability Management:

‚¸¦¬÷¸¡¸¸Ê‚¸¾£ ™½¡¸÷¸¸‚¸Ê ˆÅú ˆºÅŽ Ÿ¸™¸Ê ˆÅú œ¸¢£œ¸Æ¨¸÷¸¸ œ¸š™¢÷¸ MaturitypatternofcertainitemsofAssetsandLiabilities (²Åœ¸‡ˆÅ£¸½”õŸ¸Ê)

(Rs.inCrores

¢¨¸¨¸£µ¸ Particulars

1 ¢™›¸1day

2 ¬¸½ 7 ¢™›¸2to7days

8 ¬¸½ 14¢™›¸

8to14days

15 ¬¸½ 30 ¢™›¸15to30days

31 ¢™›¸ ¬¸½ 2 Ÿ¸¸í

31daysto2months

2 Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ 3 Ÿ¸¸í

÷¸ˆÅ Over2monthsandupto3months

3 Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ‚¸¾£6 Ÿ¸¸í ÷¸ˆÅ Over3

monthsupto6months

6 Ÿ¸¸í ¬¸½ ‚¢š¸ˆÅ‚¸¾£1 ¨¸«¸Ä ÷¸ˆÅ Over6

monthsupto1year

1 ¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅ‚¸¾£3 ¨¸«¸Ä ÷¸ˆÅ

Over1yearupto3years

3 ¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅ 5 ¨¸«¸Ä ÷¸ˆÅOver3

yearsupto5years

5 ¨¸«¸Ä ¬¸½ ‚¢š¸ˆÅOver5years

ˆºÅ¥¸ Total

]¸Ÿ¸¸£¸¢©¸¡¸¸¿Deposits 882.67 1671.31 1722.08 2763.73 3299.29 4927.23 8792.55 29282.52 80303.97 1138.18 4269.30 139052.83

‚¢ŠÏŸ¸Advances 880.29 1363.19 3643.63 3894.87 2486.82 2139.81 10600.07 7653.98 37396.04 14188.24 17289.84 101536.78

¢›¸¨¸½©¸Investments 11.00 149.46 0.00 355.58 418.57 226.61 1596.71 1398.91 6202.24 4083.85 24398.65 38841.58

„š¸¸¢£¡¸¸¿Borrowings 40.65 0.00 0.00 1500.00 0.00 22.00 70.00 324.29 1270.78 1013.88 3996.68 8238.28

¢¨¸™½©¸ú Ÿ¸ºÍ¸‚¸¦¬÷¸¡¸¸ÂForeignCurrencyAssets 636.97 3355.57 33.97 917.52 624.48 1140.35 889.51 661.48 0.00 0.00 0.00 8259.85

¢¨¸™½©¸ú Ÿ¸ºÍ¸ ™½¡¸÷¸¸‡ÂForeignCurrencyLiabilities 123.65 4170.62 40.28 2151.62 497.01 673.72 748.85 715.60 211.76 143.86 0.00 9476.97


74

6.1÷¸£¥¸÷¸¸ˆÅ¨¸£½]¸‚›¸ºœ¸¸÷¸À Liquidity Coverage Ratio:

Ÿ¸¸°¸¸÷Ÿ¸ˆÅ œÏˆÅ’›¸ : Quantitative Disclosure: (²Åœ¸‡ˆÅ£¸½”õŸ¸Ê)

(Rs in Crores)

2016-17 2015-16

ˆºÅ¥¸‚ž¸¸¢£÷¸Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸)

Total Un-weighted Value (average)

ˆºÅ¥¸ž¸¸¢£÷¸Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸)

Total Weighted Value (average)

ˆºÅ¥¸‚ž¸¸¢£÷¸Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸)

Total Un-weighted Value (average)

ˆºÅ¥¸ž¸¸¢£÷¸Ÿ¸»¥¡¸ (‚¸¾¬¸÷¸)

Total Weighted Value (average)

„\\¸Š¸ºµ¸¨¸î¸¸÷¸£¥¸‚¸¦¬÷¸¡¸¸¿HighQualityLiquidAssets(HQLAs)

1ˆºÅ¥¸ „\\¸ Š¸ºµ¸¨¸î¸¸ ˆÅú ÷¸£¥¸ ‚¸¦¬÷¸¡¸¸¿TotalHighQualityliquidAssets 18596.48 14278.33

›¸ˆÅ™ú ¤¸¢íŠ¸ÄŸ¸›¸ Cashoutflows2

¢£’½¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ ‚¸¾£ Ž¸½’½ ¨¡¸¨¸¬¸¸¡¸ú ŠÏ¸íˆÅ¸Ê ¬¸½ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ Retaildepositsanddepositsfromsmallbusinesscustomers,ofwhich: 107266.86 9067.68 96930.79 8243.66

(i)¦¬˜¸£ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿Stabledeposits 33180.06 1659.00 28988.47 1449.43

(ii)ˆÅŸ¸ ¦¬˜¸£ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿Lessstabledeposits 74086.80 7408.68 67942.33 6794.23

3‚£¢®¸÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸, ¢]¸›¸Ÿ¸Ê ¬¸½ À Unsecurewholesalefunding,ofwhich: 21877.24 13388.50 23020.52 11667.56

(i)œ¸¢£\¸¸¥¸›¸Š¸÷¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ (¬¸ž¸ú œÏ¢÷¸œ¸®¸) Operationaldeposits(allcounterparties) 167.41 41.85 1413.08 353.27

(ii)‚œ¸¢£\¸¸¥¸›¸Š¸÷¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸¿ (¬¸ž¸ú œÏ¢÷¸œ¸®¸)Non-operationaldeposits(allcounterparties) 21709.83 13346.64 21607.44 11314.29

(iii)‚£¢®¸÷¸ †µ¸Unsecureddebt 0.00 0.00 0.00 0.00

4£¢®¸÷¸ ˜¸¸½ˆÅ ¢›¸š¸ú¡¸›¸Securedwholesalefunding 236.85 0.00 236.85 0.00

5‚¢÷¸¢£Æ÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿, ¢]¸›¸Ÿ¸Ê ¬¸½ À Additionalrequirements,ofwhich: 16944.35 2014.84 16610.11 1933.91

(i)”½¢£¨¸½¢’¨¸ ¢¨¸Š¸¸½œ¸›¸ ‚¸¾£ ‚›¡¸ ¬¸í¸¡¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ¬¸¿¤¸¿š¸ú ¤¸¢íŠ¸ÄŸ¸›¸ Outflowsrelatedtoderivativesexposureandothercollateralrequirements 0.00 0.00 0.00 0.00

(ii)†µ¸ „÷œ¸¸™¸Ê œ¸£ ¢›¸š¸ú¡¸›¸ ˆÅú í¸¢›¸ ¬¸¿¤¸¿š¸ú ¤¸¢íŠ¸ÄŸ¸›¸ Outflowsrelatedtolossoffundingondebtproducts 0.00 0.00 0.00 0.00

(iii)†µ¸ ‚¸¾£ ÷¸£¥¸÷¸¸ „÷œ¸¸™ Creditandliquidityproducts 16944.35 2014.84 16610.11 1933.91

6‚›¡¸ ‚›¸º¤¸¿š¸¸÷Ÿ¸ˆÅ ¢›¸š¸ú¡¸›¸ ¤¸¸š¡¸÷¸¸‡¿Othercontractualfundingobligations 150.35 150.35 197.58 197.58

7‚›¡¸ ‚¸ˆÅ¦¬Ÿ¸ˆÅ ¢›¸š¸ú¡¸›¸ ¤¸¸š¡¸÷¸¸‡¿Othercontingentfundingobligtations 14634.09 476.07 13992.74 662.14

8ˆºÅ¥¸ ›¸ˆÅ™ú ¤¸¢íŠ¸ÄŸ¸›¸ Total cash outflows 25097.44 22704.85

75


›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí Cash inflows9

£¢®¸÷¸ „š¸¸£ú („™¸.œÏ¢÷¸¨¸¢÷¸Ä÷¸ £½œ¸¸½)Securedlending(e.g.reverserepos) 2950.65 0.00 439.99 0.00

10œ¸»µ¸Ä ¢›¸«œ¸¸™ˆÅ ¢¨¸Š¸¸½œ¸›¸¸Ê ¬¸½ ‚¿÷¸¨¸¸Äí Inflowsfromfullyperformingexposures 9473.86 8863.02 4133.04 3309.18

11‚›¡¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸ÄíOthercashinflows 523.36 367.21 896.91 510.42

12ˆºÅ¥¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸Äí TOTAL CASH INFLOWS 12947.87 9230.23 5469.94 3819.60

ˆºÅ¥¸ ¬¸Ÿ¸¸¡¸¸½¢]¸÷¸ Ÿ¸»¥¡¸

Total Adjusted Value

ˆºÅ¥¸ ¬¸Ÿ¸¸¡¸¸½¢]¸÷¸ Ÿ¸»¥¡¸

Total Adjusted Value

13ˆºÅ¥¸ „\\¸ Š¸ºµ¸¨¸î¸¸ ˆÅú ÷¸£¥¸ ‚¸¦¬÷¸¡¸¸¿TOTALHQLA 18596.48 14278.33

14ˆºÅ¥¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ú ‚¿÷¸¨¸¸ÄíTOTALNETCASHOUTFLOWS 15867.21 18885.25

15÷¸£¥¸÷¸¸ ˆÅ¨¸£½]¸ ‚›¸ºœ¸¸÷¸ (%) Liquiditycoverageratio(%) 117.20% 75.61%

Ÿ¸¸°¸¸÷Ÿ¸ˆÅ

÷¸£¥¸÷¸¸ˆÅ¨¸£½]¸‚›¸ºœ¸¸÷¸(‡¥¸¬¸ú‚¸£)ˆÅ¸¥¸®¡¸¡¸í¬¸º¢›¸¢ä¸÷¸ˆÅ£›¸¸í¾¢ˆÅ¤¸ÿˆÅˆ½Åœ¸¸¬¸ž¸¸££¢í÷¸„\\¸Š¸ºµ¸¨¸î¸¸ˆÅú÷¸£¥¸‚¸¦¬÷¸¡¸¸Ê(‡\¸Æ¡¸»‡¥¸‡)ˆÅ¸œ¸¡¸¸Äœ÷¸¬’¸ˆÅí¾,]¸¸½¢ˆÅ÷¸£¥¸÷¸¸™¤¸¸¨¸ œ¸¢£´©¡¸ Ÿ¸Ê30ˆ¾Å¥¸½µ”£ ¢™›¸¸Ê ˆÅú¬¸Ÿ¸¡¸¬¸úŸ¸¸ˆ½Å ¢¥¸‡‚œ¸›¸ú ÷¸£¥¸÷¸¸‚¸¨¸©¡¸ˆÅ÷¸¸‚¸ÊˆÅúœ¸»¢÷¸Äˆ½Å¢¥¸‡ƒ¬¸½÷¸÷ˆÅ¸¥¸‚¸¾£¬¸£¥¸÷¸¸¬¸½›¸ˆÅ™úŸ¸Êœ¸¢£¨¸¢÷¸Ä÷¸ˆÅ¡¸¸]¸¸¬¸ˆÅ÷¸¸í¾.

‡¥¸¬¸ú‚¸£ˆÅ¸œ¸¢£ˆÅ¥¸›¸30ˆ¾Å¥¸½µ”£¢™›¸¸ÊˆÅú™¤¸¸¨¸ŠÏ¬÷¸‚¨¸¢š¸œ¸£‚›¸ºŸ¸¸¢›¸÷¸¢›¸¨¸¥¸¤¸¢í¨¸¸Äí×¸£¸ž¸¸££¢í÷¸„\\¸Š¸ºµ¸¨¸î¸¸ˆÅú÷¸£¥¸‚¸¦¬÷¸¡¸¸Ê(‡\¸Æ¡¸»‡¥¸‡)ˆÅú£¸¢©¸ˆÅ¸½¢¨¸ž¸Æ÷¸ ˆÅ£ ¢ˆÅ¡¸¸ ]¸¸÷¸¸ í¾. ¢›¸¨¸¥¸ ›¸ˆÅ™ú ¤¸¢í¨¸¸Äí ˆÅ¸ œ¸¢£ˆÅ¥¸›¸ ™½¡¸÷¸¸‚¸Ê ˆÅú ¢¨¸¢ž¸››¸ª½¢µ¸¡¸¸Ê(]¸Ÿ¸¸£¸¢©¸¡¸¸Ê, œÏ÷¡¸¸ž¸»÷¸ ¨¸Š¸¾£ œÏ÷¡¸¸ž¸»÷¸˜¸¸½ˆÅ„š¸¸¢£¡¸¸¿)ˆ½Å¬¸¸˜¸íú30 ¢™›¸¸Êˆ½Åž¸ú÷¸£œ¸¢£œ¸Æ¨¸í¸½›¸½¨¸¸¥¸ú‚¸¦¬÷¸¡¸¸Ê¬¸½í¸½›¸½¨¸¸¥¸½‚¿÷¸¨¸¸Äí×¸£¸¬¸Ÿ¸¸¡¸¸½¢]¸÷¸‚›¸¸í¢£÷¸œÏ¢÷¸¤¸Ö÷¸¸‚¸Ê ‚¸¾£ ¨¡¸º÷œ¸››¸ ¬¸¿¤¸¿¢š¸÷¸ ¢¨¸Š¸¸½œ¸›¸¸Ê í½÷¸º ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ×¸£¸ ¢›¸¢™Ä«’¤¸¢í¨¸¸Äí‹¸’ˆÅ¸ÊˆÅ¸½¥¸¸Š¸»ˆÅ£¢ˆÅ¡¸¸]¸¸÷¸¸í¾.

31Ÿ¸¸\¸Ä,2017ˆÅ¸½¬¸Ÿ¸¸œ÷¸¨¸«¸Äˆ½Å ¢¥¸‡‚¸¾¬¸÷¸‡¥¸¬¸ú‚¸£ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ×¸£¸¢›¸¢™Ä«’„œ¸¡¸ºÄÆ÷¸›¡¸»›¸÷¸Ÿ¸70%ˆÅú‚¸¨¸©¡¸ˆÅ÷¸¸ˆÅú÷¸º¥¸›¸¸Ÿ¸Ê117.20%£í¸í¾.

‡¬¸Æ¡¸»‡¥¸‡ Ÿ¸Ê ¬÷¸£ 1 ˆÅú ‚¸¦¬÷¸¡¸¸¿ (›¸ˆÅ™ú, ‚¢÷¸¢£Æ÷¸ ¬¸ú‚¸£‚¸£ ©¸½«¸, ›¡¸»›¸÷¸Ÿ¸‡¬¸‡¥¸‚¸£‚¸¨¸©¡¸ˆÅ÷¸¸ ˆÅú ‚¢š¸ˆÅ÷¸¸ Ÿ¸Ê ¬¸£ˆÅ¸£ú œÏ¢÷¸ž¸»¢÷¸, ‡ûÅ‡‡¥¸‡¥¸¬¸ú‚¸£ ˆ½Å‚¿÷¸Š¸Ä÷¸8%‚¸¾£‡Ÿ¸‡¬¸‡ûÅˆ½Å‚¿÷¸Š¸Ä÷¸2%÷¸ˆÅ‚¢›¸¨¸¸¡¸Ä‡¬¸‡¥¸‚¸£‚¸¨¸©¡¸ˆÅ÷¸¸ˆ½Åž¸ú÷¸£¬¸£ˆÅ¸£úœÏ¢÷¸ž¸»¢÷¸¡¸¸¿)‚¸¾£‚›¡¸¬÷¸£2ˆÅú‚¸¦¬÷¸¡¸¸¿¬¸Ÿ¸¸¢¨¸«’íÿ.

¢›¸¢š¸¡¸›¸è¸¸½÷¸‡¬¸‡¥¸‚¸£œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê Ÿ¸Ê ¬¸¿‹¸¢’÷¸í¾ ÷¸˜¸¸¢œ¸ ¨¸½ ¤¸ÿˆÅ×¸£¸ š¸¸¢£÷¸÷¸£¥¸‚¸¦¬÷¸¡¸¸ÊˆÅ¸Ÿ¸º‰¡¸ž¸¸Š¸¤¸›¸¸÷¸½íÿ.

7.]¸Ÿ¸¸,‚¢ŠÏŸ¸¸Ê,¢¨¸Š¸¸½œ¸›¸÷¸˜¸¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊˆÅ¸¬¸¿ˆ½Å›Íµ¸

7.1 ]¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸¬¸¿ˆ½Å›Íµ¸


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016¤¸ú¬¸¬¸¤¸¬¸½¤¸”õ½]¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸ÊˆÅúˆºÅ¥¸]¸Ÿ¸¸£¸¢©¸¡¸¸¿ 7849.10 13693.14¤¸ÿˆÅˆÅúˆºÅ¥¸]¸Ÿ¸¸£¸¢©¸¡¸¸Ê¬¸½¤¸ú¬¸¬¸¤¸¬¸½¤¸”õ½]¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸ÊˆÅúˆºÅ¥¸]¸Ÿ¸¸£¸¢©¸¡¸¸ÊˆÅ¸œÏ¢÷¸©¸÷¸ 5.64% 9.85%

Qualitative

TheLiquidityCoverageRatio(LCR)aimstoensurethatabankhasanadequatestockofunencumberedHigh-QualityLiquidAssets(HQLA)that canbeconverted into casheasilyand immediately tomeet itsliquidityneedsfora30calendardayliquiditystressscenario.

TheLCRiscalculatedbydividingtheamountofHighQualityLiquidunencumberedAssets(HQLA)bytheestimatednetoutflowsoverastressed30calendardayperiod.ThenetcashoutflowsarecalculatedbyapplyingRBIprescribedoutflowfactorstothevariouscategoriesofliabilities(deposits,unsecuredandsecuredwholesaleborrowings),aswellastoundrawncommitmentsandderivative-relatedexposures,nettedbyinflowsfromassetsmaturingwithin30days.

AverageLCRfortheyearended31stMarch2017is117.20%,aboveRBIprescribedminimumrequirementof70%.

HQLAs consist of Level 1 assets (Cash, excess CRR balance,Government security in excess of minimum SLR requirement,GovernmentsecuritieswithinmandatorySLRrequirementupto2%underMSFand8%underFALLCR)andotherlevel2assets.

Funding sources are concentrated in SLR securities however theyconstitutemajorportionofliquidassetspossessedbyBank.

7. Concentration of Deposits, Advances, Exposure and NPA

7.1 Concentration of Deposits

(Rs.inCrores)

Particulars 31.03.2017 31.03.2016TotalDepositsofTwentylargestDepositors 7849.10 13693.14

PercentageofDepositsofTwentylargestdepositorstoTotalDepositsoftheBank

5.64% 9.85%


76

7.2 Concentration of Advances (Rs.inCrores)

Particulars 31.03.2017 31.03.2016TotalAdvancesofTwentylargestborrowers 14524.85 15530.01

PercentageofAdvancesofTwentylargestborrowerstoTotalAdvancesoftheBank

14.31% 13.96%

7.3 Concentration of Exposure (Rs.inCrores)

Particulars 31.03.2017 31.03.2016TotalExposuretotwentylargestborrowers/customers 20842.46 20052.01

PercentageofExposuresofTwentylargestborrowers/cus-tomerstoTotalExposureoftheBankonborrowers/customers

15.26% 13.40%

7.4 Concentration of NPAs (Rs.inCrores)

Particulars 31.03.2017 31.03.2016TotalExposuretotopfourNPAaccounts 3566.33 2145.08

7.5 Movement of Gross NPAs

(Rs.inCrores)

Particulars 2016-17 2015-16GrossNPAsason1stApril(OpeningBalance) 10385.85 6402.06

Additions(FreshNPA)duringtheyear 9119.05 5723.85Sub-total (A) 19504.90 12125.91Less:(i)Upgradations 149.36 191.29(ii)Recoveries(excludingrecoveries

madefromupgradedaccounts) 809.72 645.45

(iii)Technical/Prudentialwrite-off 1119.04 820.23(iv)Write-offsotherthanthoseunder(iii)above 238.07 83.09

Sub-Total (B) 2316.19 1740.06Gross NPAs as on 31st March (Clos-ing Balance) (A-B) 17188.71 10385.85

7.6 Movement of Technical / Prudential Write off

(Rs.inCrores)

Particulars 2016-17 2015-16OpeningbalanceofTechnical/Prudentialwritten-offaccountsasat1stApril

2007.56 1281.77

Add:Technical/Prudentialwrite–offsduringtheyear+variation(Rs.0.18croresforCurrentYearandRs.0.86croresforPreviousYear)

1136.25 821.10

Sub-Total(A) 3143.81 2102.87Less:Recoveriesmadefromprevioustechnical/prudentialwritten-offaccountsduringtheyear(B)

75.12 95.31

Closingbalanceasat31stMarch(A-B) 3068.69 2007.56

7.2 ‚¢ŠÏŸ¸¸Ê ˆÅ¸ ¬¸¿ˆ½Å›Íµ¸


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016¤¸ú¬¸¬¸¤¸¬¸½¤¸”õ½„š¸¸£ˆÅ÷¸¸Ä‚¸Êˆ½ÅˆºÅ¥¸‚¢ŠÏŸ¸ 14524.85 15530.01¤¸ÿˆÅˆ½ÅˆºÅ¥¸‚¢ŠÏŸ¸¸Ê¬¸½¤¸ú¬¸¬¸¤¸¬¸½¤¸”õ½„š¸¸£ˆÅ÷¸¸Ä‚¸Êˆ½Å‚¢ŠÏŸ¸¸ÊˆÅ¸œÏ¢÷¸©¸÷¸ 14.31% 13.96%

7.3 ¢¨¸Š¸¸½œ¸›¸¸Ê ˆÅ¸ ¬¸¿ˆ½Å›Íµ¸


¢¨¸¨¸£µ¸ 31.03.2017 31.03.201620¬¸¤¸¬¸½¤¸”õ½„š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ŠÏ¸íÃˆÅ¸ÊˆÅ¸ˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸ 20842.46 20052.01„š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ŠÏ¸íÃˆÅ¸ÊŸ¸Ê¤¸ÿˆÅˆ½ÅˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸¬¸½ˆºÅ¥¸‚¢ŠÏŸ¸¸Ê¬¸½20¬¸¤¸¬¸½¤¸”õ½„š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ŠÏ¸íÃˆÅ¸Êˆ½ÅˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸ˆÅ¸œÏ¢÷¸©¸÷¸

15.26% 13.40%

7.4 ‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊˆÅ¸]¸Ÿ¸¸¨¸


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016œ¸í¥¸½4‚›¸]¸ÄˆÅ‰¸¸÷¸¸ÊŸ¸ÊˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸ 3566.33 2145.08

7.5 ¬¸ˆÅ¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊˆÅ¸¬¸¿ˆÊÅÍµ¸


¢¨¸¨¸£µ¸ 2016-17 2015-16¢™›¸¸¿ˆÅ1‚œÏ¾¥¸ˆÅ¸½¬¸ˆÅ¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿(‚¸£¿¢ž¸ˆÅ©¸½«¸) 10385.85 6402.06¨¸«¸Äˆ½Å™¸¾£¸›¸(›¸ƒÄ‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸ÊŸ¸Ê)¨¸¼¢Ö 9119.05 5723.85

„œ¸]¸¸½”õ(ˆÅ) 19504.90 12125.91‹¸’¸‡¿:

(i)ˆÅ¸½¢’„››¸¡¸›¸ 149.36 191.29(ii)¨¸¬¸»¢¥¸¡¸¸¿(ˆÅ¸½¢’„››¸÷¸‰¸¸÷¸¸ÊŸ¸ÊíºƒÄ¨¸¬¸»¢¥¸¡¸¸ÊˆÅ¸½Ž¸½”õˆÅ£) 809.72 645.45(iii)÷¸ˆÅ›¸úˆÅú/¢¨¸¨¸½ˆÅœ¸»µ¸Ä¤¸’Ã’½‰¸¸÷¸½ 1119.04 820.23(iv)„œ¸¡¸ºÄÆ÷¸(iii)ˆ½Å‚¿÷¸Š¸Ä÷¸™©¸¸Ä‡Š¸‡¤¸’Ã’½‰¸¸÷¸¸ÊˆÅ¸½Ž¸½”õˆÅ£ 238.07 83.09

„œ¸]¸¸½”õ(‰¸) 2316.19 1740.0631Ÿ¸¸\¸ÄˆÅ¸½(¥¸½‰¸¸¤¸¿™ú©¸½«¸)¬¸ˆÅ¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿(ˆÅ-‰¸) 17188.71 10385.85

7.6÷¸ˆÅ›¸úˆÅú/¢¨¸¨¸½ˆÅœ¸»µ¸Ä¤¸’Ã’½‰¸¸÷¸¸ÊˆÅ¸¬¸¿\¸¥¸›¸


¢¨¸¨¸£µ¸ 2016-17 2015-161‚œÏ¾¥¸ ˆÅ¸½ ÷¸ˆÅ›¸úˆÅú/ ¢¨¸¨¸½ˆÅœ¸»µ¸Ä ¤¸’Ã’½ ‰¸¸÷¸¸Ê ˆÅ¸‚¸£¿¢ž¸ˆÅ©¸½«¸ 2007.56 1281.77

]¸¸½”õÊ:¨¸«¸Äˆ½Å™¸¾£¸›¸÷¸ˆÅ›¸úˆÅú/¢¨¸¨¸½ˆÅœ¸»µ¸Ä¤¸’Ã’½‰¸¸÷¸½+ œ¸¢£¨¸÷¸Ä›¸ (¢œ¸Ž¥¸½ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ²Å.0.86 ˆÅ£¸½”õ‚¸¾£\¸¸¥¸»¨¸«¸Äˆ½Å¢¥¸‡²Å.0.18ˆÅ£¸½”õ)

1136.25 821.10

„œ¸]¸¸½”õ(ˆÅ) 3143.81 2102.87‹¸’¸‡¿:¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸»¨¸Ä÷¸ˆÅ›¸úˆÅú/¢¨¸¨¸½ˆÅœ¸»µ¸Ä¤¸’Ã’½‰¸¸÷¸¸ÊŸ¸Êíºƒô¨¸¬¸»¢¥¸¡¸¸¿(‰¸) 75.12 95.31

31Ÿ¸¸\¸ÄˆÅ¸½¥¸½‰¸¸¤¸¿™ú©¸½«¸(ˆÅ-‰¸) 3068.69 2007.56

77


®¸½°¸¨¸¸£ ‚¢ŠÏŸ¸7.7 Sector-Wise Advances:

(²Å.ˆÅ£¸½”õŸ¸Ê) (Rs.inCrores)

ÇÅŸ¸¸¿ˆÅS. N.

®¸½°¸Sector

2016-17 2015-16

¤¸ˆÅ¸¡¸¸ ºÅ¥¸ ‚¢ŠÏŸ¸

Outstanding Total

Advances

¬¸ˆÅ¥¸ ‚›¸]¸ÄˆÅ ‚¸¦¬÷¸¡¸¸¿Gross NPAs

„¬¸ ® ½° Ÿ Ê ºÅ¥¸ ‚¢ŠÏŸ Ê ¬ ½ ¬¸ Å¥¸ ‚› ] Ä Å ‚ ¦¬÷ ¡ Ê

Å (%)PercentageofGrossNPAstoTotalAdvancesinthatsector

(%)

¤¸ˆÅ¸¡¸¸ ºÅ¥¸ ‚¢ŠÏŸ¸

Outstanding Total

Advances

¬¸ˆÅ¥¸ ‚›¸]¸ÄˆÅ ‚¸¦¬÷¸¡¸¸¿Gross NPAs

„¬¸ ® ½° Ÿ Ê ºÅ¥¸ ‚¢ŠÏŸ Ê ¬ ½ ¬¸ Å¥¸ ‚› ] Ä Å

‚ ¦¬÷ ¡ Ê Å (%)

PercentageofGrossNPAstoTotalAdvancesinthatsector

(%)A œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸® ½°¸PrioritySector

1 ˆ¼Å¢«¸‚¸¾£¬¸í¸¡¸ˆÅŠ¸¢÷¸¢¨¸¢š¸¡¸¸¿Agricultureandalliedactivities

15290.78 1728 11.30 14851.67 1205.86 8.12

2 œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸®¸½°¸„š¸¸¢£¡¸¸Êˆ½Å³Åœ¸Ÿ¸Êœ¸¸°¸‚¸¾Ô¸¸½¢Š¸ˆÅ®¸½°¸ˆÅ¸½‚¢ŠÏŸ¸Advancestoindustriessectoreligibleasprioritysectorlending

5965.21 1927.19 32.31 6807.98 1533.55 22.53

3 ¬¸½¨¸¸‡¿Services 9180.9 1595.55 17.38 9262.61 1336.62 14.43

4 ¨¸¾¡¸¢Æ÷¸ˆÅ†µ¸Personalloans 7005.01 364.61 5.20 7478.93 244.99 3.28

„œ¸-]¸¸½”õ(ˆÅ)Sub-total(A) 37441.95 5615.35 15.00 38401.19 4321.02 11.25

B Š ¾£œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸® ½°¸ Non-PrioritySector

1 ˆ¼Å¢«¸ ‚¸¾£ ¬¸í¸¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿Agricultureandalliedactivities

200.67 147.49 73.50 --- -- ---

2 „Ô¸¸½Š¸Industry 26415.63 8319.05 31.49 31972.22 3842.43 12.02

3 ¬¸½¨¸¸‡¿Services 24711.66 2677.19 10.83 32045.59 1890.51 5.90

4 ¨¸¾¡¸¢Æ÷¸ˆÅ †µ¸Personalloans 12766.85 429.63 3.37 8821.28 331.89 3.76

„œ¸-]¸¸½”õ (‰¸) Sub-total(B) 64094.81 11573.36 18.06 72839.09 6064.83 8.33

ˆºÅ¥¸ (ˆÅ+‰¸)Total(A+B) 101536.76 17188.71 16.93 111240.28 10385.85 9.34

7.8 Overseas Assets, NPAs and Revenue (Rs.inCrores)

Particulars 31.03.2017 31.03.2016

TotalAssets 1469.03 890.85

TotalNPAs Nil Nil

TotalRevenue 2.59 1.62

7.9 Off-balance sheet SPVs sponsored

Name of the SPV sponsoredDomestic Overseas

Nil Nil

7.8 ¢¨¸™½©¸¸ÊŸ¸Ê‚¸¦¬÷¸¡¸¸¿,‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿¨¸£¸]¸¬¨¸ (²Å.ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016ˆºÅ¥¸‚¸¦¬÷¸¡¸¸¿ 1469.03 890.85ˆºÅ¥¸‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸¿ ©¸»›¡¸ ©¸»›¡¸ˆºÅ¥¸£¸]¸¬¨¸ 2.59 1.62

7.9÷¸º¥¸›¸œ¸°¸ˆ½Å¤¸¸í£œÏ¸¡¸¸½¢]¸÷¸‡¬¸œ¸ú¨¸ú

œÏ¸¡¸¸½¢]¸÷¸ ‡¬¸œ¸ú¨¸ú ˆÅ¸ ›¸¸Ÿ¸‹¸£½¥¸» ¢¨¸™½©¸ú

©¸»›¡¸ ©¸»›¡¸


78

8. ¢¨¸Š¸¸½œ¸›¸À8.1 ¬˜¸¸¨¸£ ¬¸¿œ¸™¸ (£ú¡¸¥¸ ‡¬’½’) ®¸½°¸ Ÿ¸Ê ¢¨¸Š¸¸½œ¸›¸


ª½µ¸ú 31.03.2017 31.03.2016ˆÅ.œÏ÷¡¸®¸¢¨¸Š¸¸½œ¸›¸

20414.56 18522.62

i)‚¸¨¸¸¬¸ú¡¸¤¸¿š¸ˆÅ-¢]¸¬¸Ÿ¸Ê¬¸½²Å.25.00¥¸¸‰¸÷¸ˆÅˆ½Å†µ¸„š¸¸£ˆÅ÷¸¸Ä ×¸£¸ ‚¢š¸ŠÏ¢í÷¸ ¡¸¸ ‚¢š¸ŠÏíµ¸ ˆÅú ]¸¸›¸½ ¨¸¸¥¸ú ¡¸¸¢ˆÅ£¸¡¸½¬¸½™ú¬¸¿œ¸¢î¸œ¸£¢™¡¸½Š¸¡¸½†µ¸¤¸¿š¸ˆÅ×¸£¸œ¸»µ¸Ä÷¸À£¢®¸÷¸ íÿ. (œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ®¸½°¸‚¢ŠÏŸ¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ¢ˆÅ‡ ]¸¸›¸½ ˆ½Å¢¥¸‡œ¸¸°¸¨¡¸¢Æ÷¸Š¸÷¸‚¸¨¸¸¬¸†µ¸¸ÊˆÅ¸½‚¥¸Š¸¬¸½™©¸¸Ä¡¸¸]¸¸‡)

14370.456982.71

11460.657008.77

ii)¨¸¸¢µ¸¦]¡¸ˆÅ¬˜¸¸¨¸£¬¸¿œ¸™¸À¨¸¸¢µ¸¦]¡¸ˆÅ ¬˜¸¸¨¸£ ¬¸¿œ¸™¸ œ¸£ ¤¸¿š¸ˆÅ ×¸£¸ £¢®¸÷¸ †µ¸(ˆÅ¸¡¸¸Ä¥¸¡¸ ž¸¨¸›¸, ¢£’½¥¸ ¬˜¸¸›¸, ¤¸íºœÏ¡¸¸½]¡¸ ¨¸¸¢µ¸¦]¡¸ˆÅœ¸¢£¬¸£, ¤¸íº-œ¸¢£¨¸¸£ ‚¸¨¸¸¬¸ú¡¸ ž¸¨¸›¸, ‚¢š¸ˆÅ ¢ˆÅ£¸¡¸½™¸£¸Ê¨¸¸¥¸½¨¸¸¢µ¸¦]¡¸ˆÅœ¸¢£¬¸£,‚¸¾Ô¸¸½¢Š¸ˆÅ¡¸¸Š¸¸½™¸Ÿ¸¬˜¸¸›¸,í¸½’¥¸,ž¸»‚¢š¸ŠÏíµ¸, ¢¨¸ˆÅ¸¬¸ ‚¸¾£ ¢›¸Ÿ¸¸Äµ¸ ‚¸¢™) ¢›¸¨¸½©¸ Ÿ¸Ê Š¸¾£¢›¸¢š¸‚¸š¸¸¢£÷¸¬¸úŸ¸¸‡¿ž¸ú©¸¸¢Ÿ¸¥¸íÿ.

6044.11 7061.97

iii)¤¸¿š¸ˆÅ×¸£¸œÏ¢÷¸£¢®¸÷¸œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê(‡Ÿ¸¤¸ú‡¬¸)÷¸˜¸¸‚›¡¸£¢®¸÷¸¢¨¸Š¸¸½œ¸›¸¸ÊŸ¸Ê¢›¸¨¸½©¸-ˆÅ)‚¸¨¸¸¬¸ú¡¸‰¸)¨¸¸¢µ¸¦]¡¸ˆÅ¬˜¸¸¨¸£¬¸¿œ¸™¸

©¸»›¡¸©¸»›¡¸

©¸»›¡¸©¸»›¡¸

‰¸)‚œÏ÷¡¸®¸¢›¸¨¸½©¸£¸«’ïú¡¸ ‚¸¨¸¸¬¸ ¤¸ÿˆÅ ‚¸¾£ ‚¸¨¸¸¬¸ú¡¸ ¢¨¸î¸ ˆ¿Åœ¸¢›¸¡¸¸Ê Ÿ¸Ê ¢›¸¢š¸‚¸š¸¸¢£÷¸‚¸¾£Š¸¾£¢›¸¢š¸‚¸š¸¸¢£÷¸¢›¸¨¸½©¸

1763.32 4663.55

¢£¡¸¥¸ƒ¬’½’®¸½°¸í½÷¸ºˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸ 22177.88 23186.17

8.2œ¸»¿]¸ú¤¸¸]¸¸£ˆÅ¸¢¨¸Š¸¸½œ¸›¸ (²Å.ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸31.03.2017 31.03.2016

i) ƒÄ¦Æ¨¸’ú ©¸½¡¸£,œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”, œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê\¸£¸Ê ,ƒÄ¦Æ¨¸’ú„›Ÿ¸º‰¸Ÿ¡¸»\¡¸»‚¥¸û¿Å”¸ÊˆÅú¡¸»¢›¸’¸ÊŸ¸Ê¢]¸¬¸ˆÅúŸ¸»¥¸¢›¸¢š¸ˆÅ¸¢›¸¨¸½©¸ˆ½Å¨¸¥¸¬¸¿¬˜¸¸Š¸÷¸†µ¸¸Ê›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾,Ÿ¸ÊœÏ÷¡¸®¸¢›¸¨¸½©¸

83.09 100.52

ii) ¨¡¸¢Æ÷¸¡¸¸Ê ˆÅ¸½ ƒÄ¦Æ¨¸’ú©¸½¡¸£¸Ê(‚¸ƒÄœ¸ú‚¸½/ƒÄ‡¬¸‚¸½œ¸ú‡¬¸¬¸¢í÷¸), œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê, œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê\¸£¸Ê,ƒÄ¦Æ¨¸’ú „›Ÿ¸º‰¸ Ÿ¡¸»\¡¸»‚¥¸ û¿Å”¸½ Ÿ¸Ê ¢›¸¨¸½©¸ ˆÅ£›¸½ í½÷¸º©¸½¡¸£¸Ê/¤¸¸Áµ”¸Ê/¢”¤¸Ê\¸£¸Ê ¡¸¸ ¢ˆÅ¬¸ú‚›¡¸ œÏ¢÷¸ž¸»¢÷¸ œ¸£ ¡¸¸ Š¸¾£]¸Ÿ¸¸›¸÷¸ú‚¸š¸¸£œ¸£‚¢ŠÏŸ¸

©¸»›¡¸ ©¸»›¡¸

iii) ‚›¡¸ ¢ˆÅ¬¸ú œÏ¡¸¸½]¸›¸ í½÷¸º ‚¢ŠÏŸ¸, ]¸í¸Â ©¸½¡¸£¸Ê ¡¸¸œ¸¢£¨¸÷¸Ä›¸ú¡¸¤¸¸Áµ”¸Ê¡¸¸œ¸¢£¨¸÷¸Ä›¸ú¡¸¢”¤¸Ê\¸£¸Ê¡¸¸ƒÄ¦Æ¨¸’ú„›Ÿ¸º‰¸Ÿ¡¸»\¡¸»‚¥¸ û¿Å”¸Ê ˆÅú ¡¸»¢›¸’¸Ê ˆÅ¸½ œÏ¸˜¸¢Ÿ¸ˆÅ œÏ¢÷¸ž¸»¢÷¸ ˆ½Å ³Åœ¸ Ÿ¸Ê¢¥¸¡¸¸Š¸¡¸¸í¾

0.69 0.67

iv) ‚›¡¸ ¢ˆÅ¬¸ú œÏ¡¸¸½]¸›¸ í½÷¸º ‚¢ŠÏŸ¸, ]¸í¸Â ©¸½¡¸£¸Ê ¡¸¸œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê ¡¸¸ ¢”¤¸Ê\¸£¸Ê ¡¸¸ ƒÄ¦Æ¨¸’ú„›Ÿ¸º‰¸ Ÿ¡¸»\¸º‚¥¸û¿Å”¸ÊˆÅú¡¸»¢›¸’¸ÊˆÅ¸½¬¸¿œ¸¸æ¸¢¨¸ÄˆÅœÏ¢÷¸ž¸»¢÷¸Ÿ¸¸›¸¸Š¸¡¸¸í¾‚˜¸¸Ä÷¸]¸í¸¿©¸½¡¸£¸Ê/œ¸¢£¨¸÷¸Ä›¸ú¡¸¤¸¸Áµ”¸Ê/œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê\¸£¸Ê/ƒÄ¦Æ¨¸’ú„›Ÿ¸º‰¸ û¿Å” ¡¸»¢›¸’¸Ê ¬¸½ ƒ÷¸£ œÏ¸˜¸¢Ÿ¸ˆÅ œÏ¢÷¸ž¸»¢÷¸ ‚¢ŠÏŸ¸¸Ê ˆÅ¸½œ¸»µ¸Ä÷¸ÀˆÅ¨¸£›¸íú¿ˆÅ£÷¸ú.

62.70 62.83

8. Exposures:8.1 Exposure to Real Estate Sector

(Rs.inCrores)

S N Category 31.03.2017 31.03.2016a) Direct exposure 20414.56 18522.62

i ResidentialMortgages–OutofwhichLoansuptoRs.25lakhLendingfullysecuredbymortgageonresidentialpropertythatisorwillbeoccupiedbytheborrowerorthatisrented;(Individualhousingloanseligibleforinclusioninprioritysectoradvancesmaybeshownseparately)

14370.456982.71

11460.657008.77

ii CommercialRealEstate–Lending secured by mortgages oncommercialrealestates(officebuildings, retail space, multi-purposecommercialpremises,multi-familyresidential buildings, multi-tenantedcommercialpremises,industrialorwarehouse space, hotels, landacquisition, development andconstruction, etc.) Exposure alsoincludesnon-fundbased(NFB)limits.

6044.11 7061.97

iii InvestmentsinMortgageBackedSecurities(MBS)andothersecuritisedexposures–a.Residential,b.CommercialRealEstate.

NilNil

NilNil

b) Indirect Exposure Fundbasedandnon-fundbasedexposuresonNationalHousingBank(NHB)andHousingFinanceCompa-nies(HFCs).

1763.32 4663.55

Total Exposure to Real Estate Sector 22177.88 23186.17

8.2 Exposure to Capital Market(Rs.inCrores)

S N Particulars 31.03.2017 31.03.2016

i Directinvestmentinequityshares,convertible bonds, convertibledebentures and units of equity-orientedmutualfundsthecorpusofwhichisnotexclusivelyinvestedincorporatedebt

83.09 100.52

ii Advances against shares/bonds/debentures or other securities oron clean basis to individuals forinvestment in shares (includingIPOs/ESOPs), convertible bonds,convertible debentures, and unitsofequity-orientedmutualfunds

Nil Nil

iii Advances foranyotherpurposeswheresharesorconvertiblebondsor convertible debentures or unitsofequityorientedmutualfundsaretakenasprimarysecurity

0.69 0.67

iv Advancesforanyotherpurposestotheextentsecuredbythecollateralsecurity or shares or convertiblebondsorconvertibledebenturesorunitsofequityorientedmutualfundsi.e.wheretheprimarysecurityotherthan shares/convertible bonds/convertible debentures/units ofequity orientedmutual funds doesnotfullycovertheadvances

62.70 62.83

79


v) ¬’¸ÁˆÅ ¤Ï¸½ˆÅ£¸Ê ˆÅ¸½ ]¸Ÿ¸¸›¸÷¸ú‚¸¾£ Š¸¾£ ]¸Ÿ¸¸›¸÷¸ú‚¢ŠÏŸ¸

÷¸˜¸¸¬’¸ÁˆÅ¤Ï¸½ˆÅ£¸Ê‡¨¸¿Ÿ¸¸ˆ½ÄÅ’Ÿ¸½ˆÅ£¸ÊˆÅú‚¸½£¬¸½]¸¸£úŠ¸¸£¿¢’¡¸¸¿106.02 106.02

vi)¬¸¿¬¸¸š¸›¸]¸º’¸›¸½ˆÅúœÏ÷¡¸¸©¸¸Ÿ¸Ê›¸ƒÄˆ¿Åœ¸¢›¸¡¸¸ÊˆÅúƒÄ¦Æ¨¸’úŸ¸Ê

œÏ¨¸÷¸ÄˆÅ ½Å‚¿©¸™¸›¸ Åú£ˆÅŸ¸]¸º’¸›¸½í½÷¸º©¸½¡¸£¸Ê/¤¸¸Áµ”¸Ê/¢”¤¸Ê\¸£¸Ê

¡¸¸‚›¡¸œÏ¢÷¸ž¸»¢÷¸¡¸¸Êœ¸£¡¸¸Š¸¾£]¸Ÿ¸¸›¸÷¸ú‚¸š¸¸£œ¸£ˆÅ¸Áœ¸¸½Ä£½’

ˆÅ¸½Ÿ¸¿]¸»£†µ¸

©¸»›¡¸ ©¸»›¡¸

vii)‚œ¸½¢®¸÷¸ ƒÄ¦Æ¨¸’ú œÏ¨¸¸í/¢›¸Š¸ÄŸ¸¸Ê œ¸£ ˆ¿Åœ¸¢›¸¡¸¸Ê ˆÅ¸½ œ¸»£ˆÅ

†µ¸©¸»›¡¸ ©¸»›¡¸

viii) ©¸½¡¸£¸Ê ˆ½Å œÏ¸£¿¢ž¸ˆÅ ¢›¸Š¸ÄŸ¸ ¡¸¸ œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¤¸¸Áµ”¸Ê ¡¸¸

œ¸¢£¨¸÷¸Ä›¸ú¡¸ ¢”¤¸Ê\¸£¸Ê ¡¸¸ ƒÄ¦Æ¨¸’ú „›Ÿ¸º‰¸ Ÿ¡¸»\¡¸»‚¥¸ û¿Å” ˆÅú

¡¸»¢›¸’¸Êˆ½Å¬¸Ÿ¤¸¿š¸Ÿ¸Ê¤¸ÿˆÅ×¸£¸¥¸úŠ¸ƒÄí¸Ÿ¸ú™¸£úœÏ¢÷¸¤¸š™÷¸¸‡¿

©¸»›¡¸ ©¸»›¡¸

ix)Ÿ¸¸¢]¸Ä›¸¨¡¸¸œ¸¸£í½÷¸º¬’¸ÁˆÅ¤Ï¸½ˆÅ£¸ÊˆÅ¸½¢¨¸î¸œ¸¸½«¸µ¸ ©¸»›¡¸ ©¸»›¡¸x) „Ô¸Ÿ¸ú œ¸»¿]¸ú ¢›¸¢š¸¡¸¸Ê (œ¸¿]¸úˆ¼Å÷¸ ¨¸‚œ¸¿]¸úˆ¼Å÷¸ ™¸½›¸¸Ê) Ÿ¸Ê

¬¸ž¸ú¢¨¸Š¸¸½œ¸›¸30.16 29.33

œ¸»¿]¸ú¤¸¸]¸¸£Ÿ¸ÊˆºÅ¥¸¢¨¸Š¸¸½œ¸›¸ 282.66 299.37

31.03.2017ˆÅ¸½¬¸Ÿ¸¸œ÷¸¨¸«¸ÄˆÅ¸½†µ¸ˆ½Å£µ¸›¸ú¢÷¸œ¸º›¸Š¸Ä“›¸,]¸¸½ œ¸»¿]¸ú¤¸¸]¸¸£ ¢¨¸Š¸¸½œ¸›¸¬¸úŸ¸¸‚¸Ê¬¸½Ž»’œÏ¸œ÷¸í¾,ˆ½Åž¸¸Š¸ˆ½Å³Åœ¸Ÿ¸Êƒ¦Æ¨¸’úŸ¸Ê†µ¸ˆ½Åœ¸¢£¨¸÷¸Ä›¸œ¸£ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊŸ¸Ê¤¸ÿˆÅˆ½ÅœÏ÷¡¸®¸¢›¸¨¸½©¸ˆ½Å¤¡¸¸¾£½¢›¸Ÿ›¸¸›¸º¬¸¸£íÿÀ


¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016‰¸¸÷¸¸ÊˆÅú

¬¸¿‰¡¸¸

£¸¢©¸ ‰¸¸÷¸¸ÊˆÅú

¬¸¿‰¡¸¸

£¸¢©¸

†µ¸ ˆ½Å £µ¸›¸ú¢÷¸ œ¸º›¸Š¸Ä“›¸, ]¸¸½ œ¸»¿]¸ú ¤¸¸]¸¸£

¢¨¸Š¸¸½œ¸›¸¬¸úŸ¸¸‚¸Ê¬¸½Ž»’œÏ¸œ÷¸í¾,ˆ½Åž¸¸Š¸ˆ½Å

³Åœ¸Ÿ¸Êƒ¦Æ¨¸’úŸ¸Ê†µ¸ˆ½Åœ¸¢£¨¸÷¸Ä›¸ˆ½ÅˆÅ¸£µ¸

œÏ¸œ÷¸/‚¸¤¸¿¢’÷¸ƒ¦Æ¨¸’ú©¸½¡¸£¸ÊŸ¸Ê¢›¸¨¸½©¸

12 126.57 3 19.57

8.3 ¤¸ÿˆÅ ×¸£¸ œ¸¸£ ˆÅú Š¸ƒô ‡ˆÅ¥¸ „š¸¸£ˆÅ÷¸¸Ä ¬¸úŸ¸¸ (‡¬¸]¸ú‡¥¸), ¬¸Ÿ¸»í „š¸¸£ˆÅ÷¸¸Ä¬¸úŸ¸¸(]¸ú¤¸ú‡¥¸)ˆÅ¸¢¨¸¨¸£µ¸¢¨¸î¸ú¡¸ ¸«¸Ä2016-17 ½Å™¸¾£¸›¸¤¸ÿˆÅ›¸½¢ˆÅ¬¸úž¸ú ¡¸¢Æ÷¸Š¸÷¸„š¸¸£ˆÅ÷¸¸Ä¡¸¸¬¸Ÿ¸»í„š¸¸£ˆÅ÷¸¸ÄˆÅ¸½„š¸¸£™½›¸½ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¢¨¸¨¸½ˆÅœ¸»µ¸Ä¢¨¸Š¸¸½œ¸›¸¬¸úŸ¸¸‚¸ÊˆÅ¸‚¢÷¸ÇÅŸ¸µ¸›¸íú¿¢ˆÅ¡¸¸í¾.œÏˆÅ’›¸ˆÅ£›¸½ˆ½Å„Ó½©¡¸í½÷¸º‚¸¾£¢¨¸Š¸¸½œ¸›¸¬¸úŸ¸¸œÏ¸œ÷¸ˆÅ£›¸½í½÷¸ºŸ¸¿]¸»£ú¬¸úŸ¸¸¡¸¸¬¸¿œ¸»µ¸Ä¤¸ˆÅ¸¡¸¸,]¸¸½ž¸ú„\\¸í¸½,ˆÅ¸½œ¸¢£ˆÅ¥¸›¸í½÷¸º¢¥¸¡¸¸]¸¸‡Š¸¸.

8.4 ‚¿÷¸£-¬¸Ÿ¸»í ¢¨¸Š¸¸½œ¸›¸¤¸ÿˆÅˆ½Å‚¿÷¸£-¬¸Ÿ¸»í¢¨¸Š¸¸½œ¸›¸ˆÅ¸¤¡¸¸¾£¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾ (²Å.ˆÅ£¸½”õŸ¸Ê)

‚.ÇÅ. ¢¨¸¨¸£µ¸ 2016-17 2015-161 ‚¿÷¸£-¬¸Ÿ¸»í¢¨¸Š¸¸½œ¸›¸ˆÅúˆºÅ¥¸£¸¢©¸ 472.11 91.112 20©¸ú«¸Ä‚¿÷¸£-¬¸Ÿ¸»í¢¨¸Š¸¸½œ¸›¸¸ÊˆÅúˆºÅ¥¸£¸¢©¸ 472.11 91.11

3 „š¸¸£ˆÅ÷¸¸Ä‚¸Ê/ŠÏ¸íˆÅ¸Ê œ¸£¤¸ÿˆÅˆ½ÅˆºÅ¥¸ ¢¨¸Š¸¸½œ¸›¸ˆÅú÷¸º¥¸›¸¸Ÿ¸Ê‚¿÷¸£-¬¸Ÿ¸»íˆÅ¸œÏ¢÷¸©¸÷¸ 0.46% 0.08%

4‚¿÷¸£-¬¸Ÿ¸»í ¢¨¸Š¸¸½œ¸›¸ ˆÅú ¬¸úŸ¸¸‚¸Ê ˆ½Å „¥¥¸¿‹¸›¸ˆÅ¸¤¡¸¸¾£¸÷¸˜¸¸ƒ¬¸¬¸¿¤¸¿š¸Ÿ¸Ê¢¨¸¢›¸¡¸¸Ÿ¸ˆÅˆÅ¸£Ä¨¸¸ƒÄ¡¸¢™ˆÅ¸½ƒÄí¸½

©¸»›¡¸ ©¸»›¡¸

v Securedandunsecuredadvancesto stockbrokers and guaranteesissued on behalf of stockbrokersandmarketmakers

106.02 106.02

vi Loans sanctioned to corporateagainst the security of shares/bonds /debentures or othersecurities or on clean basis formeeting promoter’s contributionto theequityofnewcompanies inanticipationofraisingresources

Nil Nil

vii Bridgeloanstocompaniesagainstexpectedequityflows/issues Nil Nil

viii Underwriting commitmentstaken up by the banks in respectof primary issue of shares orconvertible bonds or convertibledebentures or units of equityorientedmutualfunds

Nil Nil

ix Financing to stockbrokers formargintrading Nil Nil

x All exposures to Venture CapitalFunds (both registered andunregistered)

30.16 29.33

Total Exposure to Capital Market 282.66 299.37

As on the year ended 31.03.2017, the details of Bank’s directinvestment inequity shares,onconversionofdebt intoequityasapartofstrategicrestructuringofdebtwhichareexemptfromCapitalMarketExposurelimits,isasunder:

(Rs.inCrores)

Particulars31.03.2017 31.03.2016

No.ofaccounts Amount No.of

accounts Amount

Investment in equityshares received / al-lotted on account ofconversion of debt intoequityaspartofastra-tegic debt restructuringwhich are exempt fromCapital Market Expo-surelimits

12 126.57 3 19.57

8.3 Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the Bank.

TheBankhasnotexceededtheprudentialexposurelimitsinrespectof lending to single borrower or group borrower during financialyear2016-17.Thesanctioned limitorentireoutstanding,whicheveris higher, shall be reckoned for arriving at exposure limit and fordisclosurepurpose.

8.4 Intra-Group Exposures:

Thedetailsoftheintra-groupexposuresofthebankareasunder

(Rs.InCrores)

S.N. Particulars 2016-17 2015-16

1 Totalamountofintra-groupexposures 472.11 91.11

2 Totalamountoftop-20intra-groupexposures 472.11 91.11

3Percentageofintra-groupex-posurestototalexposureofthebankonborrowers/customers

0.46% 0.08%

4Detailsofbreachoflimitsonintra-groupexposuresandregulatoryactionthereon,ifany

Nil Nil


80

8.5 Unhedged Foreign Currency Exposure:

(Rs.InCrores)

S N Particulars 31.03.2017 31.03.2016

1 ProvisioningheldonaccountofUFCE 7.68 24.84

2 CapitalheldonaccountofUFCE 37.53 73.76

Bank has put in place a policy for management of currencyinduced credit risk arising out of exposure to its constituentswhichinter-aliaspecifiesthemechanismtoascertainUnhedgedForeignCurrencyExposure (UFCE)andmitigate thesamebypricing the exposure as well as incremental provisioning asunder–

1. MethodtoascertaintheamountofUnhedgedForeignCurrencyExposure(UFCE):

TheamountofUFCEoftheconstituentsismeasuredbyobtainingthe periodical information from the clients having exposure ofRs.10croresandabove.For thispurpose, itemsmaturingorhaving cash flows over the period of next five years only areconsidered.Further,itemswhichareeffectivehedges,financialhedgeand/ornaturalhedge,ofeachotheraresetoff.(Financialhedge throughaderivative contract (e.g.ForwardCover) andNaturalhedgemaybeconsideredwhencashflowsarisingoutof theoperationsof thecompanyoffset the riskarisingoutoftheForeignCurrencyExposure.ForthepurposeofcomputingUFCE,anexposuremaybeconsiderednaturallyhedgediftheoffsettingexposurehasthematurity/cashflowwithinthesameaccountingyear).

2. Methodtoestimatetheextentoflikelyloss:

The loss to the entity in case ofmovement in exchange rateiscalculatedusingtheannualisedvolatilities.Forthispurpose,largestannualvolatilityseenintheratesduringtheperiodoflasttenyears istakenasthemovementof therate intheadversedirection.

3. Method to estimate the riskiness of unhedged position andprovideappropriately:

The likely loss / EBID so arrived at is taken as the base, asperwhich consolidatedUFCEonbehalf of the constituents iscalculated, based on the model specified by the Bank. Suchexposure is subjected to additional provisioning and alsoincrementalcapitalrequirement.

Further, the pricing to such constituents is accordingly re-pricedbasedon the riskprofileof theborrowerby loadinganappropriatepremiumtocovertheUFCE.

8.6 Unsecured Advances:

Unsecuredadvances includesRs837.38 crores (Rs. 1003.08crores) as on 31.03.2017 which is collaterally secured byintangible securities such as charge over the rights, licenses,authoritiesetc.TheestimatedvalueofsuchintangiblecollateralisRs.1892.12crores(Rs.1819.83crores)ason31.03.2017.

8.5 ‚£¢®¸÷¸ ¢¨¸™½©¸ú Ÿ¸ºÍ¸ ¢¨¸Š¸¸½œ¸›¸ (²Å.ˆÅ£¸½”õŸ¸Ê)

‚.ÇÅ. ¢¨¸¨¸£µ¸ 31.03.2017 31.03.20161 ¡¸»‡ûÅ¬¸úƒÄœ¸£¢ˆÅ¡¸¸Š¸¡¸¸‚¢÷¸¢£Æ÷¸œÏ¸¨¸š¸¸›¸ 7.68 24.84

2 ¡¸»‡ûÅ¬¸úƒÄœ¸£š¸¸¢£÷¸œ¸»¿]¸ú 37.53 73.76

¤¸ÿˆÅ›¸½‚œ¸›¸½‹¸’ˆÅ¸ÊˆÅ¸½¢™‡Š¸‡¢¨¸Š¸¸½œ¸›¸¸Ê¬¸½œ¸¾™¸í¸½›¸½¨¸¸¥¸úˆÅ£¿¬¸úœÏ¨¸¼î¸†µ¸]¸¸½¢‰¸Ÿ¸ˆ½ÅœÏ¤¸¿š¸›¸ˆ½Å¢¥¸‡›¸ú¢÷¸¥¸¸Š¸»ˆÅúí¾¢]¸¬¸Ÿ¸Ê‚›¡¸¤¸¸÷¸¸Êˆ½Å¬¸¸˜¸-¬¸¸˜¸›¸ú\¸½¢ˆÅ‡Š¸‡„¥¥¸½‰¸ˆ½Å‚›¸º¬¸¸£‚£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸¸Ê(¡¸»‡ûÅ¬¸úƒÄ)ˆÅ¸½¢›¸¢ä¸÷¸ˆÅ£›¸½ˆÅ¸‚¸¾£¢¨¸Š¸¸½œ¸›¸¸Êˆ½Å Ÿ¸»¥¡¸›¸‚¸¾£„¬¸ú œÏˆÅ¸£ ¨¸¼¢Ö©¸ú¥¸ œÏ¸¨¸š¸¸›¸ ˆ½Å×¸£¸„¬¸ˆÅ¸©¸Ÿ¸›¸ ˆÅ£›¸½ ˆÅ¸„¥¥¸½‰¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

1)‚£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸(¡¸»‡ûÅ¬¸úƒÄ)ˆÅú£¸¢©¸ˆÅúŠ¸µ¸›¸¸ˆÅ£›¸½¬¸¿¤¸¿š¸úœ¸Ö¢÷¸À

‹¸’ˆÅ¸ÊˆÅú‚£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸£¸¢©¸ˆÅúŠ¸µ¸›¸¸ˆÅ£›¸½í½÷¸º²Å.10.00ˆÅ£¸½”‡¨¸¿‚¢š¸ˆÅˆ½Å¢¨¸Š¸¸½œ¸›¸¨¸¸¥¸½ŠÏ¸íˆÅ¸Ê¬¸½‚¸¨¸¢š¸ˆÅ‚¸š¸¸£œ¸£]¸¸›¸ˆÅ¸£úŸ¸¿Š¸¸ƒÄ]¸¸÷¸úí¾.ƒ¬¸„Ó½©¡¸ˆ½Å¢¥¸‡‚Š¸¥¸½5¨¸«¸¸½ôŸ¸Êœ¸¢£œ¸Æ¨¸í¸½›¸½¨¸¸¥¸úŸ¸™Ê‚˜¸¨¸¸›¸ˆÅ™úœÏ¨¸¸í£‰¸›¸½¨¸¸¥¸úŸ¸™¸Êœ¸£íú¢¨¸\¸¸£¢ˆÅ¡¸¸]¸¸÷¸¸í¾.ƒ¬¸ˆ½Å‚¥¸¸¨¸¸œÏž¸¸¨¸ú³Åœ¸¬¸½¬¸¿£¢®¸÷¸,¢¨¸î¸ú¡¸³Åœ¸¬¸½ ¬¸¿£¢®¸÷¸‚¸¾£/¡¸¸ œÏ¸ˆ¼Å¢÷¸ˆÅ³Åœ¸¬¸½ ¬¸¿£¢®¸÷¸ˆÅ¸½ œ¸£¬œ¸£¬¸½’‚¸ÁûÅ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾. (”½¢£¨¸½¢’¨¸ ¬¸¿¢¨¸™¸ (‚˜¸¸Ä÷¸ ¨¸¸¡¸™¸ ¬¸¿£®¸¸) ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ¢¨¸î¸ú¡¸£¢®¸÷¸‚¸¾£œÏ¸ˆ¼Å¢÷¸ˆÅ³Åœ¸¬¸½£¢®¸÷¸œ¸£ž¸ú¢¨¸\¸¸£¢ˆÅ¡¸¸Š¸¡¸¸,]¸¤¸ˆ¿Åœ¸›¸úœ¸¢£\¸¸¥¸›¸¸Ê¬¸½„÷œ¸››¸›¸ˆÅ™úœÏ¨¸¸íŸ¸Ê¬¸½¢¨¸™½©¸úˆÅ£¿¬¸ú¢¨¸Š¸¸½œ¸›¸ˆÅú]¸¸½¢‰¸Ÿ¸‚¸ÁûÅ¬¸½’í¸½Š¸ƒÄ˜¸ú.‚£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸ˆÅ¸œ¸¢£ˆÅ¥¸›¸ˆÅ£›¸½ˆ½Å„Ó½©¡¸¬¸½‡ˆÅ¢¨¸Š¸¸½œ¸›¸ˆÅ¸½œÏ¸ˆ¼Å¢÷¸ˆÅ³Åœ¸¬¸½£¢®¸÷¸Ÿ¸¸›¸¸]¸¸÷¸¸í¾¡¸¢™„¬¸ú¢¨¸î¸ú¡¸¨¸«¸ÄŸ¸Ê‚¸ÁûÅ¬¸½¢’¿Š¸¢¨¸Š¸¸½œ¸›¸œ¸¢£œ¸Æ¨¸í¸½£í¸í¸½¡¸¸„¬¸ˆ½Å¤¸£¸¤¸£›¸ˆÅ™úœÏ¨¸¸íí¸½£í¸í¸½.)

2) ¬¸¿ž¸¸¢¨¸÷¸í¸¢›¸ˆÅúŸ¸¸°¸¸ˆ½Å‚›¸ºŸ¸¸›¸ˆÅúœ¸Ö¢÷¸À

¢¨¸¢›¸Ÿ¸¡¸™£¸ÊŸ¸Ê¤¸™¥¸¸¨¸ˆ½ÅˆÅ¸£µ¸ƒˆÅ¸ƒÄˆÅ¸½í¸½›¸½¨¸¸¥¸úí¸¢›¸ˆÅúŠ¸µ¸›¸¸¨¸¸¢«¸ÄˆÅ„÷¸¸£-\¸[¸¨¸œ¸Ö¢÷¸×¸£¸ˆÅú]¸¸÷¸úí¾.ƒ¬¸œÏ¡¸¸½]¸›¸ˆ½Å¢¥¸‡¢œ¸Ž¥¸½™¬¸¨¸«¸¸½ôˆÅú‚¨¸¢š¸ˆ½Å™¸¾£¸›¸™½‰¸½Š¸‡¬¸¤¸¬¸½¤¸”õ½¨¸¸¢«¸ÄˆÅ„÷¸¸£-\¸[¸¨¸ˆÅ¸½¢¨¸œ¸£ú÷¸¢™©¸¸Ÿ¸Ê™£¸Êˆ½Å¤¸™¥¸¸¨¸ˆÅ¸‚¸š¸¸£Ÿ¸¸›¸¸]¸¸÷¸¸í¾.

3) ‚£¢®¸÷¸ ¦¬˜¸¢÷¸¡¸¸Ê ˆ½Å ]¸¸½¢‰¸Ÿ¸ ˆÅ¸ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸›¸½ ¬¸¿¤¸¿š¸ú œ¸Ö¢÷¸ ÷¸˜¸¸ ÷¸÷¬¸¿¤¸¿š¸ú„œ¸¡¸ºÆ÷¸œÏ¸¨¸š¸¸›¸

ƒ¬¸œÏˆÅ¸£¢›¸ˆÅ¸¥¸úŠ¸ƒÄ‚›¸ºŸ¸¸¢›¸÷¸í¸¢›¸/ƒÄ¤¸ú‚¸ƒÄ”úˆ½Å‚¸š¸¸£œ¸£‹¸’ˆÅ¸ÊˆÅú‚¸½£¬¸½¤¸ÿˆÅ×¸£¸¢¨¸¢›¸¢™Ä«’Ÿ¸¸Á”¥¸ˆ½Å‚¸š¸¸£œ¸£¬¸Ÿ¸½¢ˆÅ÷¸‚£¢®¸÷¸¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸Š¸¸½œ¸›¸¸ÊˆÅ¸œ¸¢£ˆÅ¥¸›¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾.ƒ¬¸œÏˆÅ¸£ˆ½Å¢¨¸Š¸¸½œ¸›¸¸Êœ¸£‚¢÷¸¢£Æ÷¸œÏ¸¨¸š¸¸›¸ˆÅ£›¸¸‚¸¨¸©¡¸ˆÅí¾‚¸¾£ƒ¬¸ˆ½Å¢¥¸‡‚¢÷¸¢£Æ÷¸œ¸»¿]¸úˆÅú‚¸¨¸©¡¸ˆÅ÷¸¸í¸½÷¸úí¾.

¬¸¸˜¸ íú, ‡½¬¸½ ‹¸’ˆÅ¸Ê ˆ½Å Ÿ¸»¥¡¸›¸ ˆÅ¸½ ž¸ú ÷¸™›¸º¬¸¸£ œ¸º›¸Ÿ¸»Ä¥¡¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ ]¸¸½ ¢ˆÅ¡¸»‡ûÅ¬¸úƒÄˆÅ¸½ˆÅ¨¸£ˆÅ£›¸½í½÷¸º¬¸Ÿ¸º¢\¸÷¸œÏú¢Ÿ¸¡¸Ÿ¸™]¸ÄˆÅ£›¸½ˆ½Å×¸£¸„š¸¸£ˆÅ÷¸¸ÄˆÅú]¸¸½¢‰¸Ÿ¸œÏ¸½ûÅ¸ƒÄ¥¸œ¸£‚¸š¸¸¢£÷¸í¾.

8.6Š¸¾£]¸Ÿ¸¸›¸÷¸ú‚¢ŠÏŸ¸À ¢™›¸¸¿ˆÅ31.03.2017 Å¸½Š¸¾£]¸Ÿ¸¸›¸÷¸ú‚¢ŠÏŸ¸¸ÊŸ¸Ê²Å.837.38 Å£¸½”õ(²Å.1003.08

ˆÅ£¸½”õ)ˆ½Å‚¢ŠÏŸ¸©¸¸¢Ÿ¸¥¸˜¸½]¸¸½‚Ÿ¸»÷¸Ä‚¸¦¬÷¸¡¸¸Ê ]¸¾¬¸½ ¢ˆÅ‚¢š¸ˆÅ¸£¸Ê,¥¸¸ƒ¬¸½›¬¸,œÏ¸¢š¸ˆÅ¸£ ƒ÷¡¸¸¢™ œ¸£ ž¸¸£ ]¸¾¬¸ú ¬¸í¸¡¸ˆÅ œÏ¢÷¸ž¸»¢÷¸¡¸¸Ê ¬¸½ ¬¸º£¢®¸÷¸ ˜¸½ . ƒ¬¸ œÏˆÅ¸£ˆÅú‚Ÿ¸»÷¸Ä¬¸í¸¡¸ˆÅœÏ¢÷¸ž¸»¢÷¸¡¸¸ÊˆÅ¸ ¢™›¸¸¿ˆÅ31.03.2017ˆÅ¸½‚›¸ºŸ¸¸¢›¸÷¸Ÿ¸»¥¡¸²Å.1892.12ˆÅ£¸½”õ(²Å.1819.83ˆÅ£¸½”õ)í¾.

81


8.7 Risk Category wise Country Exposure

(Rs.inCrores)

Risk Category

Exposure (net) as at March 31,

2017

Provision held as at March 31,

2017

Exposure (net) as at March 31,

2016

Provision held as at March 31,

2016InsignificantRisk 2184.32 0.00 2240.51 0.00

LowRisk 1004.03 0.00 463.46 0.00

ModerateRisk 25.75 0.00 6.29 0.00

ModeratelyLowRisk 0.00 0.00 28.36 0.00

ModeratelyHighRisk 0.00 0.00 21.23 0.00

HighRisk 38.03 0.00 4.42 0.00

VeryHighRisk 0.34 0.00 0.14 0.00

Off-credit 0.02 0.00 0.08 0.00

Total 3252.49 0.00 2764.49 0.00

Since Bank’s net funded exposure for risk category-wiseexposureforeachcountryislessthan1%ofbank’stotalassetsas on 31.03.2017, no provision is required in terms of RBIguidelines.

8.8 Provisioning Coverage Ratio:

Thebankhascomputedtheprovisioncoverageratio(PCR)asrequired vide circular No.DBOD.No.BP.BC.64/21.04.048/2009-2010,datedDecember1,2009,whichis44.52%.ThisratiohasbeencalculatedonthebasisofNPAlevelason31.03.2017.

Whereassuchprovisioncoverageratio(PCR)calculatedasperRBI circular No. DP.DC.87/21.04.048/2010-11, datedApril 21,2011,basedonNPAlevelason30.09.2010Rs.2049.81croresandNPAprovisionason31.03.2017worksoutto440.01%,asagainstminimumrequired70%.

9. Miscellaneous:

9.1 Amount of Provision made for income tax during the year:

(Rs.inCrores)

Particulars 2016-17 2015-16ProvisionforIncomeTax 128.02 322.52

9.2 Provisions and Contingencies shown under the head Expenditure in Profit and Loss Account

(Rs.inCrores)

S. N. Particulars 31.03.2017 31.03.2016

1 ProvisiontowardsNPA 3800.20 2110.292 DepreciationoninvestmentsinAFS/HFT 0.00 26.423 ProvisionforNonPerformingInvestment 147.55 22.55

4 ProvisionforInvestment–CDR/Re-structure 0.00 0.00

5 Provisionforun-hedgedforeigncurrencyexposure 0.00 3.33

6 ProvisionforIncometax 81.36 322.517 DeferredTaxAsset/Liability(Net) 0.00 227.598 Provisionforfraud(NonBorrowal) 23.06 1.099 Otherprovisionandcontingencies 95.96 55.68

Sub-total (A) 4148.13 2769.46

8.7 ]¸¸½¢‰¸Ÿ¸ª½µ¸ú¨¸¸£™½©¸¢›¸¨¸½©¸(²Å.ˆÅ£¸½”õŸ¸Ê)

]¸¸½¢‰¸Ÿ¸ª½µ¸ú 31.03.2017 ˆÅ¸½ ¢¨¸Š¸¸½œ¸›¸

(¢›¸¨¸¥¸)

31.03.2017 ˆÅ¸½ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸

31.03.2016 ˆÅ¸½ ¢¨¸Š¸¸½œ¸›¸ (¢›¸¨¸¥¸)

31.03.2016 ˆÅ¸½ š¸¸¢£÷¸ œÏ¸¨¸š¸¸›¸

›¸Š¸µ¡¸]¸¸½¢‰¸Ÿ¸ 2184.32 0.00 2240.51 0.00ˆÅŸ¸]¸¸½¢‰¸Ÿ¸ 1004.03 0.00 463.46 0.00¬¸¸š¸¸£µ¸]¸¸½¢‰¸Ÿ¸ 25.75 0.00 6.29 0.00¬¸¸š¸¸£µ¸÷¸ÀˆÅŸ¸]¸¸½¢‰¸Ÿ¸ 0.00 0.00 28.36 0.00

¬¸¸š¸¸£µ¸÷¸À„\\¸]¸¸½¢‰¸Ÿ¸ 0.00 0.00 21.23 0.00

„\\¸]¸¸½¢‰¸Ÿ¸ 38.03 0.00 4.42 0.00‚¢÷¸„\\¸]¸¸½¢‰¸Ÿ¸ 0.34 0.00 0.14 0.00†µ¸½÷¸£]¸¸½¢‰¸Ÿ¸ 0.02 0.00 0.08 0.00ˆºÅ¥¸ 3252.49 0.00 2764.49 0.00¤¸ÿˆÅ ˆÅ¸ ]¸¸½¢‰¸Ÿ¸ ª½µ¸ú¨¸¸£ ¢›¸¢š¸ ‚¸š¸¸¢£÷¸ ¢›¸¨¸¥¸ ¢¨¸Š¸¸½œ¸›¸ í£ ™½©¸ ˆ½Å ¢¥¸‡ ¢™›¸¸¿ˆÅ31.03.2017ˆÅ¸½¤¸ÿˆÅˆÅúˆºÅ¥¸‚¸¦¬÷¸¡¸¸Êˆ½Å1œÏ¢÷¸©¸÷¸¬¸½ˆÅŸ¸í¾‚÷¸Àž¸¸£÷¸ú¡¸¢£]¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸¸›¸º¬¸¸£ˆÅ¸½ƒÄœÏ¸¨¸š¸¸›¸‚¸¨¸©¡¸ˆÅ›¸íú¿í¾.

8.8 œÏ¸¨¸š¸¸›¸ ¬¸¿£®¸¸ ‚›¸ºœ¸¸÷¸À

¢™›¸¸¿ˆÅ 01 ¢™¬¸¿¤¸£, 2009 ˆ½Å œ¸¢£œ¸°¸ ÇÅ. ”ú¤¸ú‚¸½”ú.ÇÅ.¤¸úœ¸ú.¤¸ú¬¸ú.64/21.04.048/2009-10ˆ½Å¢›¸™½©¸¸Êˆ½Å‚›¸º¬¸¸£¤¸ÿˆÅ›¸½œÏ¸¨¸š¸¸›¸¬¸¿£®¸¸‚›¸ºœ¸¸÷¸ˆÅ¸œ¸¢£ˆÅ¥¸›¸¢ˆÅ¡¸¸í¾]¸¸½44.52%í¾.ƒ¬¸‚›¸ºœ¸¸÷¸ˆÅ¸œ¸¢£ˆÅ¥¸›¸31.03.2017ˆ½Å‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Êˆ½Å¬÷¸£ˆ½Å‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

]¸¤¸¢ˆÅ‡½¬¸½ œÏ¸¨¸š¸¸›¸ˆÅ¨¸£½]¸‚›¸ºœ¸¸÷¸(œ¸ú¬¸ú‚¸£)ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å ¢™›¸¸¿ˆÅ21‚œÏ¾¥¸,2011 ½Åœ¸¢£œ¸°¸ÇÅ.”úœ¸ú”ú¬¸ú87/21.04.048/2010-11 ½Å‚¸š¸¸£œ¸£œ¸¢£ˆÅ¢¥¸÷¸¢ˆÅ‡Š¸‡íÿ]¸¸½30.09.2010ˆ½Å‡›¸œ¸ú‡¬÷¸£²Å.2049.81‚¸¾£31.03.2017ˆ½Å‡›¸œ¸ú‡œÏ¸¨¸š¸¸›¸œ¸£‚¸š¸¸¢£÷¸íÿ]¸¸½‚¸¨¸©¡¸ˆÅ›¡¸»›¸÷¸Ÿ¸‚œ¸½¢®¸÷¸70%ˆÅú÷¸º¥¸›¸¸Ÿ¸Ê440.01%í¾.

9. ¢¨¸¢¨¸š¸À9.1 ¨¸«¸Ä ˆ½Å™¸¾£¸›¸‚¸¡¸ˆÅ£ ˆ½Å ¢¥¸‡ ¢ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸ ˆÅú £ˆÅŸ¸

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ 2016-17 2015-16‚¸¡¸ˆÅ£í½÷¸ºœÏ¸¨¸š¸¸›¸ 128.02 322.52

9.2 ¥¸¸/í¸ ‰¸¸÷¸½ Ÿ¸Ê ¨¡¸¡¸ ©¸ú«¸Ä ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™©¸¸Ä‡ Š¸‡ œÏ¸¨¸š¸¸›¸ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸ 31.03.2017 31.03.20161 ‚›¸]¸ÄˆÅ‚¸¦¬÷¸¡¸¸Êí½÷¸º¢ˆÅ‡Š¸‡œÏ¸¨¸š¸¸›¸ 3800.20 2110.292 ‡‡ûÅ‡¬¸/‡\¸‡ûÅ’úŸ¸Ê¢›¸¨¸½©¸œ¸£Ÿ¸»¥¡¸Ý¸¬¸ 0.00 26.423 ‚›¸]¸ÄˆÅ¢›¸¨¸½©¸œ¸£œÏ¸¨¸š¸¸›¸ 147.55 22.554 ¢›¸¨¸½©¸œ¸£œÏ¸¨¸š¸¸›¸¬¸ú”ú‚¸£/œ¸º›¸¬¸ô£¢\¸÷¸ 0.00 0.005 ‚£¢®¸÷¸¢¨¸™½©¸¢¨¸¢›¸Ÿ¸¡¸¢¨¸Š¸¸½œ¸›¸ˆÅ¸œÏ¸¨¸š¸¸›¸ 0.00 3.336 ‚¸¡¸ˆÅ£œ¸£œÏ¸¨¸š¸¸›¸ 81.36 322.517 ‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸/™½¡¸÷¸¸(¢›¸¨¸¥¸) 0.00 227.598 š¸¸½‰¸¸š¸”õú(Š¸¾£-„š¸¸£ˆÅ÷¸¸Ä)ˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸ 23.06 1.099 ‚›¡¸œÏ¸¨¸š¸¸›¸¨¸‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ 95.96 55.68

„œ¸]¸¸½”õ(ˆÅ) 4148.13 2769.46


82

Less:Writeback/adjustments1 Write-backofdepreciationonInvestment 7.70 0.002 Write-backofprovisionforIncomeTax 0.00 127.963 DeferredTaxAssets/Liability 851.92 105.12

4 WritebackofProvisionforrestructuredInvestment 27.14 0.00

5 WritebackofProvisionsforStandardAdvances 4.60 31.14

6 WritebackofProvisionsforRestructuredAdvances 39.65 260.75

7 Otherprovisionandcontingencies 17.55 0.00Sub-total (B) 948.56 524.97Total Provisions & Contingencies (A-B) 3199.57 2244.49

9.3 Fixed Assets:

9.3.1DepreciationforthecurrentyearamountingtoRs.89.32crores(Rs.106.85 crores) on revalued assets has been adjustedagainstRevaluationReserveAccount.TheclosingRevaluationReserveason31.03.2017 isRs.1206.46crores (Rs.1295.78crores).

9.3.2Thetitledeedsinrespectof4(4)revaluedproperties/premiseshaving cost ofRs. 6.54 crores (Rs. 6.54 crores)werenot yetexecuted/registeredinfavouroftheBankduetocertainpending/delayedformalities.

9.3.3Capitalwork-in-progresscomprisesof thecostof fixedassetsthat are not yet ready for their intended use at the reportingdate.Capitalwork in progress amounting toRs. 22.05 croresincludes construction of building at Kidwai Nagar, NewDelhi.This property has been purchased from the NBCC Ltd andcurrentlyunderconstruction,andpaymenttoMinistryofUrbanDevelopment,GOI, is linkedwithstageofcompletionofwork.Consideringthesubstanceofthenatureofassetandpaymentterms,saidunderconstructionproperty isclassifiedasCapitalWorkinprogressanddisclosedaccordingly.

9.4 ContingentLiabilities includeexpiredguaranteesamounting toRs. 1635.13 crores (Rs. 906.11 crores) which have not beencancelledbecauseofpendingcompletionformalities.

Claimspendingand to bepreferredwithECGCamounting toRs.34.60crores (RS.76.57crores)havebeenconsideredasrealizableforthepurposeofcomputingprovisions.

There are cases pending for leased premises where nocontingent liability is recognized as the Bank is defending allthesecasesfiledagainstitbylandlordsofBranchPremisesdueto expiration of lease deeds.Out of these, in one caseBankaccounts for its liability toaroundRs.1.60crores. Inall othercaseswherelandlordshaveclaimedmesneprofits,theamountscannotbeascertainedunless thecourtcrystalisesquantumofmesneprofit.

9.5 OtherLiabilitiesdisclosedinSchedule-5includeRs.0.43crores(Rs.0.44crores)towardsunclaimedShareApplicationMoney.

9.6 DuringtheFinancialyear2016-2017,PenaltyunderPayment&SettlementSystemsAct,2007hasbeenimposedasunder:

(RsinCrores)

S.N. Particulars/natureofpenalties Amount1 ---Nil---

‹¸’¸¡¸ÊÀœÏ¢÷¸¥¸½‰¸›¸/¬¸Ÿ¸¸¡¸¸½]¸›¸

1 ¢›¸¨¸½©¸œ¸£Ÿ¸»¥¡¸Ý¸¬¸ˆÅ¸œÏ¢÷¸¥¸½‰¸›¸ 7.70 0.00

2 ‚¸¡¸ˆÅ£œÏ¸¨¸š¸¸›¸œ¸£œÏ¢÷¸¥¸½‰¸›¸ 0.00 127.96

3 ‚¸¬˜¸¢Š¸÷¸ˆÅ£™½¡¸÷¸¸/‚¸¦¬÷¸ 851.92 105.12

4 œ¸º›¸¬¸ô£¢\¸÷¸¢›¸¨¸½©¸œÏ¸¨¸š¸¸›¸œ¸£œÏ¢÷¸¥¸½‰¸›¸ 27.14 0.00

5 Ÿ¸¸›¸ˆÅ‚¢ŠÏŸ¸¸Êˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸¸ÊˆÅ¸œÏ¢÷¸¥¸½‰¸›¸ 4.60 31.14

6 œ¸º›¸¬¸ô£¢\¸÷¸‚¢ŠÏŸ¸¸Êˆ½Å¢¥¸‡œÏ¸¨¸š¸¸›¸¸ÊˆÅ¸œÏ¢÷¸¥¸½‰¸›¸ 39.65 260.75

7 ‚›¡¸œÏ¸¨¸š¸¸›¸¨¸‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿ 17.55 0.00

„œ¸]¸¸½”õ(‰¸) 948.56 524.97ˆºÅ¥¸œÏ¸¨¸š¸¸›¸‚¸¾£‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸‡¿(ˆÅ-‰¸) 3199.57 2244.49

9.3 ¦¬˜¸£‚¸¦¬÷¸¡¸¸¿9.3.1œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¦¬÷¸¡¸¸Ê œ¸£ \¸¸¥¸» ¨¸«¸Ä í½÷¸º Ÿ¸»¥¡¸Ý¸¬¸ ˆÅú £¸¢©¸ ²Å89.32ˆÅ£¸½”õ

(²Å.106.85ˆÅ£¸½”õ)ˆÅ¸½œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸‚¸£¢®¸÷¸‰¸¸÷¸½ˆ½Å¬¸Ÿ¸®¸¬¸Ÿ¸¸¡¸¸½¢]¸÷¸¢ˆÅ¡¸¸Š¸¡¸¸.31.03.2017ˆÅ¸½‚¿¢÷¸Ÿ¸œ¸º›¸Ÿ¸»Ä¥¡¸¸¿ˆÅ›¸‚¸£¢®¸÷¸³Å.1206.46ˆÅ£¸½”õ(³Å.1295.78ˆÅ£¸½”õ)í¾—

9.3.2 ²Å.6.54 Å£¸½”õ(²Å.6.54 Å£¸½”õ) Åú¥¸¸Š¸÷¸ ¸¸¥¸ú4(4)œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¦¬÷¸¡¸¸Ê/œ¸¢£¬¸£¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸ÊíˆÅ¢¨¸¥¸½‰¸¸ÊˆÅ¸½ˆÅ¢÷¸œ¸¡¸¥¸¿¢¤¸÷¸/œÏ¥¸¿¢¤¸÷¸‚¸¾œ¸\¸¸¢£ˆÅ÷¸¸‚¸Êˆ½ÅˆÅ¸£µ¸¤¸ÿˆÅˆ½Åœ¸®¸Ÿ¸Ê‚¤¸÷¸ˆÅ¢›¸«œ¸¸¢™÷¸/œ¸¿]¸úˆ¼Å÷¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸˜¸¸.

9.3.3 œ¸»¿]¸úŠ¸÷¸ˆÅ¸¡¸Ä-œÏŠ¸¢÷¸Ÿ¸Ê¢›¸¢ä¸÷¸œ¸¢£¬¸¿œ¸¢î¸¡¸¸ÊˆÅú¥¸¸Š¸÷¸©¸¸¢Ÿ¸¥¸í¾]¸¸½‚ž¸ú÷¸ˆÅ¢£œ¸¸½¢’ôŠ¸¢÷¸¢˜¸œ¸£„›¸ˆ½Å„œ¸¡¸¸½Š¸ ½Å¢¥¸‡÷¸¾¡¸¸£›¸íú¿íÿ—œÏŠ¸¢÷¸ Åúœ¸»¿]¸úŸ¸Ê²Å.22.05ˆÅ£¸½”õ Ÿ¸Ê ¢ˆÅ™¨¸ƒÄ ›¸Š¸£, ›¸ƒÄ ¢™¥¥¸ú ˆ½Å ¢›¸Ÿ¸¸Äµ¸ ˆÅ¸ ¢›¸Ÿ¸¸Äµ¸©¸¸¢Ÿ¸¥¸í¾— ¡¸í¬¸¿œ¸¢î¸‡›¸¤¸ú¬¸ú¬¸ú ¢¥¸¢Ÿ¸’½”¬¸½‰¸£ú™úŠ¸ƒÄí¾‚¸¾£¨¸÷¸ÄŸ¸¸›¸Ÿ¸Ê ¢›¸Ÿ¸¸Äµ¸¸š¸ú›¸í¾‚¸¾£©¸í£ú¢¨¸ˆÅ¸¬¸Ÿ¸¿°¸¸¥¸¡¸,ž¸¸£÷¸¬¸£ˆÅ¸£ˆÅ¸½ž¸ºŠ¸÷¸¸›¸ˆÅ¸Ÿ¸œ¸»£¸ˆÅ£›¸½ˆ½Å\¸£µ¸¬¸½]¸º”õ¸íº‚¸í¾—¬¸¿œ¸¢î¸‚¸¾£ž¸ºŠ¸÷¸¸›¸ˆÅú©¸÷¸¸½ôˆÅúœÏˆ¼Å¢÷¸ˆ½Å ¢¨¸\¸¸£ˆÅ¸½™½‰¸÷¸½íº‡¢›¸Ÿ¸¸Äµ¸¸š¸ú›¸¬¸¿œ¸¢î¸ˆ½Å÷¸í÷¸œ¸»¿]¸úˆÅ¸¡¸ÄˆÅúœÏŠ¸¢÷¸Ÿ¸Ê¨¸Š¸úÄˆ¼Å÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾‚¸¾£÷¸™›¸º¬¸¸£œÏˆÅ’¢ˆÅ¡¸¸Š¸¡¸¸í¾—

9.4. ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‚¸Ê ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™©¸¸ÄƒÄ Š¸ƒÄ ˆÅ¸¥¸¸÷¸ú÷¸ Š¸¸£¿¢’¡¸¸Ê ˆÅú £ˆÅŸ¸²Å.1635.13ˆÅ£¸½”õ(²Å.906.11ˆÅ£¸½”õ)©¸¸¢Ÿ¸¥¸í¾, ¢]¸›íÊ‚¸¾œ¸\¸¸¢£ˆÅ÷¸¸‚¸Ê ˆÅúœ¸»¢÷¸Ä¥¸¿¢¤¸÷¸í¸½›¸½ˆ½ÅˆÅ¸£µ¸¢›¸£¬÷¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾.

ƒÄ¬¸ú]¸ú¬¸ú ½Åœ¸¸¬¸¥¸¿¢¤¸÷¸ ¸„›íÊœÏ¬÷¸º÷¸¢ˆÅ¡¸½]¸¸›¸½ ¸¸¥¸½²Å.34.60 Å£¸½”õ(²Å.76.57ˆÅ£¸½”õ)ˆ½Å™¸¨¸¸ÊˆÅ¸½œÏ¸¨¸š¸¸›¸¸Êˆ½Åœ¸¢£ˆÅ¥¸›¸ˆ½ÅœÏ¡¸¸½]¸›¸¸˜¸Ä¨¸¬¸»¥¸ú¡¸¸½Š¡¸Ÿ¸¸›¸¸Š¸¡¸¸í¾.

œ¸’Ã’½œ¸£œ¸’Ã’½ˆ½Å¢¥¸‡¥¸¿¢¤¸÷¸Ÿ¸¸Ÿ¸¥¸½íÿ,]¸í¸¿ˆÅ¸½ƒÄž¸ú‚¸ˆÅ¦¬Ÿ¸ˆÅ™¸¢¡¸÷¨¸›¸íú¿Ÿ¸¸›¸¸]¸¸÷¸¸í¾Æ¡¸¸Ê¢ˆÅ¤¸ÿˆÅœ¸’Ã’½ˆ½ÅˆÅ¸Ÿ¸ˆÅú¬¸Ÿ¸¸¦œ÷¸ˆ½ÅˆÅ¸£µ¸©¸¸‰¸¸œ¸¢£¬¸£ˆ½Å]¸Ÿ¸ú¿™¸£¸Ê×¸£¸‚™¸¢ˆÅ‡Š¸‡¬¸ž¸úŸ¸¸Ÿ¸¥¸¸ÊˆÅ¸¤¸\¸¸¨¸ˆÅ££í¸í¾—ƒ›¸Ÿ¸Ê¬¸½,‡ˆÅŸ¸¸Ÿ¸¥¸½Ÿ¸Ê¤¸ÿˆÅ‚œ¸›¸½™¸¢¡¸÷¨¸ˆ½Å¢¥¸‡¥¸Š¸ž¸Š¸²Å.1.60ˆÅ£¸½”õ‚›¡¸¬¸ž¸úŸ¸¸Ÿ¸¥¸¸ÊŸ¸Ê]¸í¸¿Ÿ¸ˆÅ¸›¸Ÿ¸¸¢¥¸ˆÅ¸Ê›¸½Ÿ¸º›¸¸û½ÅˆÅ¸™¸¨¸¸¢ˆÅ¡¸¸í¾,÷¸¤¸÷¸ˆÅ£¸¢©¸ˆÅ¸œ¸÷¸¸›¸íú¿¥¸Š¸¸¡¸¸]¸¸¬¸ˆÅ÷¸¸í¾]¸¤¸÷¸ˆÅ¢ˆÅ‚™¸¥¸÷¸Ÿ¸½¬¸½›¸Ÿ¸º›¸¸û½ÅˆÅúŸ¸¸°¸¸¤¸[õ¸›¸íú¿™½÷¸úí¾—

9.5 ‚›¸º¬¸»\¸ú5Ÿ¸Ê™©¸¸ÄƒÄŠ¸ƒÄ‚›¡¸™½¡¸÷¸¸‚¸ÊŸ¸Ê‚™¸¨¸¸ˆ¼Å÷¸©¸½¡¸£‚¸¨¸½™›¸š¸›¸ˆ½Å³Åœ¸Ÿ¸Ê²Å.0.43ˆÅ£¸½”õ(²Å.0.44ˆÅ£¸½”õ)ˆÅú£ˆÅŸ¸©¸¸¢Ÿ¸¥¸í¾.

9.6 ¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸ž¸ºŠ¸÷¸¸›¸‚¸¾£¢›¸œ¸’¸›¸œÏµ¸¸¥¸ú‚¢š¸¢›¸¡¸Ÿ¸,2007ˆ½Å÷¸í÷¸]¸ºŸ¸¸Ä›¸¸¢›¸Ÿ›¸¸›¸º¬¸¸£¥¸Š¸¸¡¸¸Š¸¡¸¸í¾À

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

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83


9.7 The details of Customer complaints dealt with by the Bank during the year are as under:

S. N. Particulars 2016-17 2015-16

(a) No.ofcomplaintspendingatthebeginningoftheyear 73 2

(b) No.ofcomplaintsreceivedduringtheyear 2912 3218

(c) No.ofcomplaintsredressedduringtheyear 2931 3147

(d) No.ofcomplaintspendingattheendoftheyear 54 73

The above figures does not include complaints received byE-mail. The software for incorporating these complaints isunderpreparation.HowevermostoftheE-mailcomplaintsareredressedin48hours

9.8 The details of awards passed by the Banking Ombudsman are as under:

S. N. Particulars 2016-17 2015-16

(a)No.ofunimplementedAwardsatthebeginningoftheyear

0 0

(b)No.ofAwardspassedbytheBankingOmbudsmanduringtheyear

11 10

(c) No.ofAwardsimplement-edduringtheyear. 11 10

(d)No.ofunimplementedAwardsattheendoftheyear.

0 0

9.9 The details of Customer complaints on account ATM transactions dealt with by the Bank during the year are as under:

S. N. Particulars 2016-17 2015-16

(a)No.ofcomplaintspendingatthebeginningoftheyear

0 0

(b) No.ofcomplaintsreceivedduringtheyear 334 603

(c) No.ofcomplaintsre-dressedduringtheyear 334 603

(d) No.ofcomplaintspendingattheendoftheyear 0 0

Lastyear,thecomplaintfigureswereincludingATMclaimsalso.Now,thefiguresfor2015-16areadjustedaccordingly,theabovefigures does not include complaints received by E-mail. Thesoftwareforincorporatingthesecomplaintsisunderpreparation.However most of the E-mail complaints are redressed in 48hours

9.10 The details of awards passed by the Banking Ombudsman on account of ATM transactions are as under: S. N. Particulars 2016-17 2015-16

(a) No.ofunimplementedAwardsatthebeginningoftheyear. 0 0

(b)No.ofAwardspassedbytheBankingOmbudsmanduringtheyear

3 8

(c) No.ofAwardsimplementeddur-ingtheyear 3 8

(d) No.ofunimplementedAwardsattheendoftheyear 0 0

9.7 ¨¸«¸Äˆ½Å™¸¾£¸›¸¤¸ÿˆÅ×¸£¸¢›¸œ¸’¸ƒÄŠ¸ƒÄŠÏ¸íˆÅ¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅ¸¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾-

Ç¿Å. ¢¨¸¨¸£µ¸ 2016-17 2015-16(ˆÅ) ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú

¬¸¿‰¡¸¸ 73 2

(‰¸) ¨¸«¸Äˆ½Å™¸¾£¸›¸œÏ¸œ÷¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 2912 3218(Š¸) ¨¸«¸Äˆ½Å™¸¾£¸›¸ ¢›¸œ¸’¸ƒÄŠ¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú

¬¸¿‰¡¸¸ 2931 3147

(‹¸) ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú¬¸¿‰¡¸¸ 54 73

„œ¸£¸½Æ÷¸‚¸¿ˆÅ”õ¸ÊŸ¸ÊƒÄ-Ÿ¸½¥¸¬¸½œÏ¸œ÷¸œÏ¸œ÷¸¢©¸ˆÅ¸¡¸÷¸Ê¬¸¦ŸŸ¸¢¥¸÷¸›¸íú¿íÿ—ƒ›¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅ¸½©¸¸¢Ÿ¸¥¸ Å£›¸½ ½Å¢¥¸‡¬¸¸ÁÉ’¨¸½¡¸£÷¸¾¡¸¸£¢ˆÅ¡¸¸]¸¸£í¸í¾—¡¸Ô¸¢œ¸ƒÄ-Ÿ¸½¥¸¬¸½œÏ¸œ÷¸‚¢š¸ˆÅ÷¸£¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅ¸¢›¸¨¸¸£µ¸48‹¸¿’¸ÊŸ¸ÊˆÅ£¢™¡¸¸]¸¸÷¸¸í¾—

9.8¤¸ÿ¢ˆ¿ÅŠ¸¥¸¸½ˆÅœ¸¸¥¸×¸£¸œ¸¸¢£÷¸¢ˆÅ‡Š¸‡‚¢š¸¢›¸µ¸Ä¡¸¸Ê Å¸¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾ÀÇ¿Å. ¢¨¸¨¸£µ¸ 2016-17 2015-16(ˆÅ) ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸ íº‡

‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸0 0

(‰¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¥¸¸½ˆÅœ¸¸¥¸ ×¸£¸œ¸¸¢£÷¸‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸

11 10

(Š¸) ¨¸«¸Äˆ½Å™¸¾£¸›¸ˆÅ¸¡¸¸Ä¦›¨¸÷¸‚¢š¸¢›¸µ¸Ä¡¸¸Ê ˆÅú¬¸¿‰¡¸¸

11 10

(‹¸) ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸ íº‡‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸

0 0

9.9¨¸«¸Äˆ½Å™¸¾£¸›¸¤¸ÿˆÅˆ½Å‡’ú‡Ÿ¸¬¸¿¨¡¸¨¸í¸£¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸ÊŠÏ¸íˆÅ¢©¸ˆÅ¸¡¸÷¸¸Êˆ½Å ¢¨¸¨¸£µ¸

Ç¿Å. ¢¨¸¨¸£µ¸ 2016-17 2015-16(ˆÅ) ¨¸«¸Äˆ½Å‚¸£¿ž¸Ÿ¸Ê¥¸¿¢¤¸÷¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú

¬¸¿‰¡¸¸ 0 0

(‰¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú¬¸¿‰¡¸¸ 334 603

(Š¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢›¸œ¸’¸ƒÄ Š¸ƒÄ ¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅú¬¸¿‰¡¸¸ 334 603

(‹¸) ¨¸«¸Ä ˆ½Å‚¿÷¸ Ÿ¸Ê ¥¸¿¢¤¸÷¸ ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅú¬¸¿‰¡¸¸ 0 0

¢œ¸Ž¥¸½ ¨¸«¸Äˆ½Å ¢©¸ˆÅ¸¡¸÷¸ˆ½Å‚¸¿ˆÅ”õ¸Ê Ÿ¸Ê‡’ú‡Ÿ¸™¸¨¸¸ÊˆÅ¸½ ž¸ú¬¸¦ŸŸ¸¢¥¸÷¸ ¢ˆÅ¡¸¸Š¸¡¸¸˜¸¸—‚¤¸,2015-16ˆ½Å‚¸¿ˆÅ”õ¸ÊˆÅ¸½÷¸™›¸º¬¸¸£¬¸Ÿ¸¸¡¸¸½¢]¸÷¸ˆÅ£¢™¡¸¸Š¸¡¸¸í¾—ƒ›¸¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅ¸½©¸¸¢Ÿ¸¥¸ˆÅ£›¸½ˆ½Å ¢¥¸‡ ¬¸¸ÁÉ’¨¸½¡¸£÷¸¾¡¸¸£¢ˆÅ¡¸¸]¸¸£í¸í¾—¡¸Ô¸¢œ¸ƒÄ-Ÿ¸½¥¸¬¸½œÏ¸œ÷¸‚¢š¸ˆÅ÷¸£¢©¸ˆÅ¸¡¸÷¸¸ÊˆÅ¸¢›¸¨¸¸£µ¸48‹¸¿’¸ÊŸ¸Ê ˆÅ£¢™¡¸¸]¸¸÷¸¸í¾—

9.10‡’ú‡Ÿ¸¬¸¿¨¡¸¨¸í¸£¸Êˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¤¸ÿ¢ˆ¿ÅŠ¸¥¸¸½ˆÅœ¸¸¥¸×¸£¸œ¸¸¢£÷¸¢ˆÅ‡Š¸‡‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅ¸¢¨¸¨¸£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£í¾À

Ç¿Å. ¢¨¸¨¸£µ¸ 2016-17 2015-16(ˆÅ) ¨¸«¸Ä ˆ½Å ‚¸£¿ž¸ Ÿ¸Ê ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸ íº‡

‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸ 0 0

(‰¸) ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¥¸¸½ˆÅœ¸¸¥¸ ×¸£¸œ¸¸¢£÷¸‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸ 3 8

(Š¸) ¨¸«¸Äˆ½Å™¸¾£¸›¸ˆÅ¸¡¸¸Ä¦›¨¸÷¸‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸ 3 8

(‹¸) ¨¸«¸Ä ˆ½Å ‚¿÷¸ Ÿ¸Ê ˆÅ¸¡¸¸Ä¦›¨¸÷¸ ›¸ íº‡‚¢š¸¢›¸µ¸Ä¡¸¸ÊˆÅú¬¸¿‰¡¸¸ 0 0


84

9.11\¸ºˆÅ¸¾÷¸ú‚¸æ¸¸¬¸›¸œ¸°¸(‡¥¸‚¸½¬¸ú)\¸¸¥¸»¨¸«¸Äˆ½Å™¸¾£¸›¸¤¸ÿˆÅ›¸½²Å.1838ˆÅ£¸½”õˆ½Å1035’ï½”Ç½Å¢”’(¢œ¸Ž¥¸½¨¸«¸Äˆ½Å™¸¾£¸›¸²Å. 2360ˆÅ£¸½”õˆ½Å1189’ï½”Ç½Å¢”’)]¸¸£ú¢ˆÅ‡‚¸¾£ˆ¿Åœ¸›¸úŠÏ¸íˆÅ¸Êˆ½Å ¢¥¸‡’ï½”Ç½Å¢”’Ÿ¸ºí¾¡¸¸ˆÅ£¸›¸½í½÷¸º©¸¸‰¸¸‚¸Ê×¸£¸¢¨¸¢ž¸››¸‚›¡¸¤¸ÿˆÅ¸Êˆ½Åœ¸®¸Ÿ¸Ê\¸ºˆÅ¸¾÷¸ú‚¸æ¸¸¬¸›¸œ¸°¸]¸¸£ú¢ˆÅ‡Š¸‡.

¢™›¸¸¿ˆÅ31 Ÿ¸¸\¸Ä,2017ˆÅ¸½²Å. 334.97ˆÅ£¸½”õˆ½Å340 ’ï½”Ç½Å¢”’ˆ½Å¤¸™¥¸½¢™›¸¸¿ˆÅ31 Ÿ¸¸\¸Ä,2016ˆÅ¸½²Å. 811.36ˆÅ£¸½”õˆ½Å360 ’ï½”Ç½Å¢”’¤¸ˆÅ¸¡¸¸˜¸½.

9.12¤¸ÿˆÅ‡©¡¸¸½£½›¬¸¨¡¸¨¸¬¸¸¡¸ ¤¸ÿˆÅ‡©¡¸¸½£½›¬¸ˆ½Å‚š¸ú›¸ ²Å.10.93ˆÅ£¸½”õ(²Å.11.46ˆÅ£¸½”õ)ˆÅú‚¸¡¸‚¸¾£ ²Å.1.71ˆÅ£¸½”õ(²Å.1.59ˆÅ£¸½”õ)ˆÅú‚›¡¸‚¸¡¸‚¢]¸Ä÷¸ˆÅúŠ¸ƒÄ.¤¸ÿˆÅ‡©¡¸¸½£½›¬¸‚¸¡¸ˆ½Å¤¡¸¸¾£½¢›¸Ÿ›¸¸›¸º¬¸¸£íÿ (²Å.ˆÅ£¸½”õŸ¸Ê)

ÇÅ.¬¸¿. ‚¸¡¸ ˆÅ¸ ¬¨¸³Åœ¸ 2016-17 2015-16

1 ]¸ú¨¸›¸ ¤¸úŸ¸¸ œ¸¸Á¢¥¸¬¸ú ¢¨¸ÇÅ¡¸ í½÷¸º 6.04 6.83

2 Š¸¾£-]¸ú¨¸›¸ ¤¸úŸ¸¸ œ¸¸Á¢¥¸¬¸ú ¢¨¸ÇÅ¡¸ í½÷¸º 4.81 4.60

3 Ÿ¡¸º\¡¸º‚¥¸ û¿Å” „÷œ¸¸™ ¢¨¸ÇÅ¡¸ í½÷¸º 0.08 0.03

4 ‚›¡¸ („¥¥¸½‰¸ ˆÅ£Ê) 1.71 1.59

ˆºÅ¥¸ 12.64 13.05

9.13]¸Ÿ¸¸ˆÅ÷¸¸Ä¢©¸®¸¸‡¨¸¿]¸¸Š¸³ÅˆÅ÷¸¸¢›¸¢š¸(”úƒÄ‡‡ûÅ) (²Å.ˆÅ£¸½”õŸ¸Ê)

¤¡¸¸¾£½ 2016-17 2015-16”úƒÄ‡‡ûÅ ˆÅ¸½ ‚¿÷¸¢£÷¸ £ˆÅŸ¸ ˆÅ¸ ‚¸£¿¢ž¸ˆÅ©¸½«¸

66.49 52.66

]¸¸½”õÊ ¨¸«¸Ä ˆ½Å™¸¾£¸›¸ ”úƒÄ‡‡ûÅˆÅ¸½‚¿÷¸¢£÷¸£ˆÅŸ¸

38.68 13.83

‹¸’¸‡¿ ”úƒÄ‡‡ûÅ ×¸£¸ ™¸¨¸¸Ê ˆ½Å ¢¨¸²ÅÖœÏ¢÷¸œ¸»¢÷¸ÄˆÅúŠ¸ƒÄ£ˆÅŸ¸

2.84 0.00

”úƒÄ‡‡ûÅˆÅ¸½‚¿÷¸¢£÷¸£ˆÅŸ¸ˆÅ¸‚¿¢÷¸Ÿ¸©¸½«¸ 102.33 66.49

9.14‚›¡¸‚¸¦¬÷¸¡¸¸Ê ¸‚›¡¸™½¡¸÷¸¸‚¸Ê ½Å‚›÷¸Š¸Ä÷¸œ¸º£¸›¸úœÏ¢¨¸¦«’¡¸¸Ê,›¸¸Ÿ¸Ÿ¸¸°¸‰¸¸÷¸¸Ê¬¸¢í÷¸‚›¡¸¤¸ÿˆÅ¸Ê/¬¸¿¬˜¸¸‚¸Êˆ½Åœ¸¸¬¸¬¸¿¨¡¸¨¸í¸£¸Ê,‚¿÷¸£©¸¸‰¸¸¬¸¿¨¡¸¨¸í¸£¸Êˆ½Å¬¸Ÿ¸¸¡¸¸½]¸›¸/¬¸Ÿ¸¸š¸¸›¸/¬¸Ÿ¸¸œ¸›¸ˆÅ¸ˆÅ¸¡¸ÄœÏŠ¸¢÷¸œ¸£í¾.ƒ¬¸ˆ½Å‚¢÷¸¢£Æ÷¸‚›¡¸‚¸¦¬÷¸¡¸¸Ê/™½¡¸÷¸¸‚¸Ê,¬¸Ÿ¸¸©¸¸½š¸›¸‰¸¸÷¸¸Ê‚¸¾£ ºÅŽ]¸Ÿ¸¸‰¸¸÷¸¸Ê ½Å¬¸¿¤¸¿š¸Ÿ¸Ê¬¸¸Ÿ¸¸›¡¸‰¸¸÷¸¸¤¸íú‚¸¾£‚›¸º«¸¿Š¸úŸ¸Ê©¸½«¸ˆ½Å¤¸ú\¸¬¸Ÿ¸¸š¸¸›¸‚¸¾£‚\¸¥¸‚¸¦¬÷¸¡¸¸Êœ¸£œÏž¸¸£÷¸˜¸¸‚\¸¥¸‚¸¦¬÷¸¡¸¸Êˆ½Å‚¿÷¸£©¸¸‰¸¸‚¿÷¸£µ¸ˆÅ¸ˆÅ¸¡¸ÄœÏŠ¸¢÷¸œ¸£í¾.£¸]¸¬¨¸œ¸£ƒ›¸ˆ½ÅœÏž¸¸¨¸ˆ½Å¬¸¸˜¸íúƒ›¸ˆ½Åœ¸¢£µ¸¸Ÿ¸úœÏž¸¸¨¸ Å¸œ¸÷¸¸¥¸Š¸¸¡¸¸›¸íú¿]¸¸¬¸ˆÅ÷¸¸.œÏ¤¸¿š¸›¸ ½Å‚¢ž¸Ÿ¸÷¸Ÿ¸Êƒ›¸ˆÅ¸£¸]¸¬¨¸œ¸£œ¸¢£µ¸¸Ÿ¸úœÏž¸¸¨¸Ÿ¸¸Ÿ¸»¥¸úí¾.

10. ¤¸ÿˆÅ ›¸½ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ×¸£¸ ]¸¸£ú ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê ˆÅ¸„›¸ˆ½Å¥¸¸Š¸»í¸½›¸½ˆÅú¬¸úŸ¸¸÷¸ˆÅ¢›¸Ÿ›¸¸›¸º¬¸¸£‚›¸ºœ¸¸¥¸›¸¢ˆÅ¡¸¸í¾À

10.1 ¥¸½‰¸¸Ÿ¸¸›¸ˆÅ5-‚¨¸¢š¸ˆ½Å™¸¾£¸›¸©¸ºš™¥¸¸ž¸‚˜¸¨¸¸í¸¢›¸,œ¸»¨¸Ä‚¨¸¢š¸Ÿ¸™¸Ê‚¸¾£¥¸½‰¸¸›¸ú¢÷¸¡¸¸ÊŸ¸Êœ¸¢£¨¸÷¸Ä›¸.

\¸»¿¢ˆÅ‚¸¡¸/ ¡¸¡¸ Åúœ¸»¨¸Ä‚¨¸¢š¸Ÿ¸™Ê Å¸½ƒÄŸ¸í÷¨¸œ¸»µ¸Ä›¸íú¿íÿ‚÷¸À„›íÊ¬¸¿¤¸¿¢š¸÷¸¥¸½‰¸¸©¸ú«¸¸½ôŸ¸ÊœÏž¸¸¢£÷¸/¥¸½‰¸¸¤¸š™¢ˆÅ¡¸¸í¾.

10.2¥¸½‰¸¸Ÿ¸¸›¸ˆÅ9-£¸]¸¬¨¸¢›¸š¸¸Ä£µ¸

Ÿ¸í÷¨¸œ¸»µ¸Ä¥¸½‰¸¸›¸ú¢÷¸¡¸¸ÊˆÅú‚›¸º¬¸»\¸ú17Ÿ¸Ê™úŠ¸ƒÄ¥¸½‰¸¸›¸ú¢÷¸ÇÅŸ¸¸¿ˆÅ6.1ˆ½Å‚›¸º¬¸¸£‚¸¡¸ˆÅúˆºÅŽŸ¸™¸ÊˆÅ¸¢›¸š¸¸Ä£µ¸¬¸¸¿¢¨¸¢š¸ˆÅ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê¡¸¸Ÿ¸í÷¨¸ˆ½ÅˆÅ¸£µ¸¨¸¬¸»¥¸úˆ½Å‚¸š¸¸£œ¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾.

9.11 Letters of Comfort (LOCs):

During the current year, 1035Trade credits amounting toRs.1838 crores (previous year 1189 trade credits amounting toRs.2360crores)weresanctionedby theBankandLettersofComfortissuedbythebranchesinfavourofvariousotherbanksforarrangingtradecredittocorporateclients.

As on 31st March 2017, 340 trade credits amounting to Rs.334.97 crores were outstanding as against 360 trade creditsamountingtoRs.811.36croresason31stMarch,2016

9.12 Bancassurance Business

The incomeearnedunderBancassurance isRs.10.93crores(Rs11.46crores)andotherincomeofRs.1.71crores(Rs.1.59crores).ThedetailsofBancassuranceincomeisasunder:

(Rs.inCrores)

S. N. Nature of Income 2016-17 2015-16

1 Forsellinglifeinsurancepolicies 6.04 6.83

2 Forsellingnon-lifeinsur-ancepolicies 4.81 4.60

3 Forsellingmutualfundproducts 0.08 0.03

4 Others 1.71 1.59Total 12.64 13.05

9.13 Depositor Education and Awareness Fund (DEAF)

(RsinCrores)

Particulars 2016-17 2015-16OpeningbalanceofamounttransferredtoDEAF 66.49 52.66

Add:AmounttransferredtoDEAFduringtheyear 38.68 13.83

Less:AmountreimbursedbyDEAFtowardsclaims 2.84 0.00

Closingbalanceofamounttrans-ferredtoDEAF 102.33 66.49

9.14Work is inprogressforadjustment / reconciliation /eliminationof inter-branch transactions, transactions with other banks/ institutions, nominal accounts and old entries under otherassets and liabilities. Further reconciliation between balancesin subsidiary and general ledger in respect of certain depositaccounts,clearingaccounts,otherassets&liabilitiesandinter-branchtransferoffixedassetsisstillunderprogress.Theeffectof these including the consequential impact thereof on therevenueisnotascertainable.Intheopinionofthemanagementconsequentialimpactthereofonrevenueisnotmaterial.

10. TheBankhascompliedwith theAccountingStandards issuedbyTheInstituteofCharteredAccountantsofIndia(ICAI)totheextentapplicableasunder:

10.1 AccountingStandard5–NetProfitorLossfortheperiod,priorperioditemsandchangesinaccountingpolicies.

Aspriorperioditemsof income/expenditurearenotmaterial,thesamehavebeencharged/accountedforinrespectiveheadsofaccounts

10.2 AccountingStandard9–RevenueRecognition

As per Accounting Policy No. 6.1, given in Schedule -17– Significant Accounting Policies, certain items of incomeare recognized on realization basis on account of statutoryrequirementsoronaccountofmateriality.

85


10.3¥¸½‰¸¸Ÿ¸¸›¸ˆÅ11-¢¨¸™½©¸úŸ¸ºÍ¸¢¨¸¢›¸Ÿ¸¡¸™£¸ÊŸ¸Ê¤¸™¥¸¸¨¸ˆÅ¸œÏž¸¸¨¸ ¨¸«¸Ä í½÷¸º ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¢¨¸¢›¸Ÿ¸¡¸ ‚¿÷¸£ ˆ½Å ˆÅ¸£µ¸ ]¸Ÿ¸¸ ¢›¸¨¸¥¸ ‚¸¡¸

²Å.101.91ˆÅ£¸½”õ(²Å.77.83ˆÅ£¸½”õ)£íú.

10.4¥¸½‰¸¸Ÿ¸¸›¸ˆÅ(‡‡¬¸)-15(¬¸¿©¸¸½¢š¸÷¸2005)"ˆÅŸ¸Ä\¸¸£ú¥¸¸ž¸"

ˆÅ. œ¸¢£ž¸¸¢«¸÷¸‚¿©¸™¸›¸¡¸¸½]¸›¸¸‡¿À (²Å.ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016ˆÅ)ž¸¢¨¸«¡¸¢›¸¢š¸ 0.33 0.31‰¸)ˆÅŸ¸Ä\¸¸£úˆÅ¥¡¸¸µ¸¢›¸¢š¸Ÿ¸Ê‚¿©¸™¸›¸-ˆÅ¥¡¸¸µ¸¢›¸¢š¸‚¸ˆÅ¦¬Ÿ¸ˆÅ÷¸¸

0.00 0.00

‰¸.œ¸¢£ž¸¸¢«¸÷¸¥¸¸ž¸¡¸¸½]¸›¸¸‡Â

ˆÅ) œ¸Ê©¸›¸¡¸¸½]¸›¸¸-¡¸í£¸½]¸Š¸¸£œ¸ä¸¸÷¸¥¸¸ž¸í¾,]¸¸½¢ˆÅœ¸Ê©¸›¸¡¸¸½Š¡¸¬¸½¨¸¸ˆ½Å‚¢š¸ˆÅ÷¸Ÿ¸33¨¸«¸¸½ôí½÷¸º‚¿¢÷¸Ÿ¸¨¸½÷¸›¸ˆÅ¸50œÏ¢÷¸©¸÷¸í¾.¡¸í¢›¸¢š¸Š¸÷¸¡¸¸½]¸›¸¸í¾.

‰¸) „œ¸™¸›¸ ¡¸¸½]¸›¸¸-¡¸í£¸½]¸Š¸¸£œ¸ä¸¸÷¸¥¸¸ž¸í¾‚¸¾£¡¸í„œ¸™¸›¸¬¸¿™¸¡¸‚¢š¸¢›¸¡¸Ÿ¸,1972¡¸˜¸¸¬¸¿©¸¸½¢š¸÷¸ˆ½Å‚¿÷¸Š¸Ä÷¸„œ¸™¸›¸‚¸¾£ˆ¿Åœ¸›¸ú¢›¸¡¸Ÿ¸¸Êˆ½Å‚›¸º¬¸¸£„œ¸™¸›¸Ÿ¸Ê¬¸½„\\¸÷¸Ÿ¸ˆ½Å³Åœ¸Ÿ¸Ê¬¸¿™½¡¸í¾.¡¸í¢›¸¢š¸Š¸÷¸¡¸¸½]¸›¸¸í¾.

Š¸) Žº’Ã’ú›¸ˆÅ™úˆÅ£µ¸/œÏ¢÷¸œ¸»¢£÷¸‚›¸ºœ¸¦¬˜¸¢÷¸- ¡¸í£¸½]¸Š¸¸£œ¸ä¸¸÷¸¥¸¸ž¸í¾‚¸¾£¡¸í‚¿¢÷¸Ÿ¸¨¸½÷¸›¸œ¸£‚¸š¸¸¢£÷¸¬¸¿\¸¡¸úŽº’Ã’úˆ½Å240¢™›¸¸ÊˆÅú‚¢š¸ˆÅ÷¸Ÿ¸‚¨¸¢š¸í½÷¸º¬¸¿™½¡¸í¾.¡¸íŠ¸¾£¢›¸¢š¸¡¸¸½]¸›¸¸í¾.

10.3 Accounting Standard 11 – Effect of Changes in ForeignExchangeRates

Net incomeonaccountofexchangedifferencescredited to intheProfit and Loss account for the year isRs. 101.91 crores(Rs.77.83crores)

10.4 Accounting Standard (AS) 15 (Revised 2005) - “EmployeeBenefits”

A. Defined Contribution Plans:

(Rs.inCrores)

Particulars 31.03.2017 31.03.2016a.ProvidentFund 0.33 0.31b.ContributiontoStaffWelfare–Wel-fareFundContingency 0.00 0.00

B. Defined Benefit Plans:

A) Pension Plan -Thisisapost-employmentbenefit,whichis50%offinalpayforamaximumof33yearsofpensionableservice.Thisisafundedscheme.

B) Gratuity Plan - Thisisapost-employmentbenefitandispayableashigherofGratuityasperCompany’sRulesandGratuityunderPayment of Gratuity Act 1972 as amended. This is a fundedscheme.

C) Leave Encashment / Compensated Absences - This is apost-employmentbenefitandispayableforamaximumlimitof240 days of accumulated leave based on final pay.This is anunfundedscheme.

I. œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸»¥¡¸ Ÿ¸Ê¤¸™¥¸¸¨¸À (²Å.ˆÅ£¸½”õŸ¸Ê)Change in the Present value of Defined Benefit Obligations: (Rs.inCrores)

ÇÅ.¬¸¿.S N


œ¸Ê©¸›¸¡¸¸½]¸›¸¸PENSION PLANS

„œ¸™¸›¸¡¸¸½]¸›¸¸GRATUITY PLANS

Žº’Ã’ú›¸ˆÅ™úˆÅ£µ¸LEAVE ENCASHMENT

31.03.2017 31.03.2016 31.03.2017 31.03.2016 31.03.2017 31.03.20161 œ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸ ™¸¢¡¸÷¨¸¸Ê ˆÅ¸

‚¸£¿¢ž¸ˆÅ¨¸÷¸ÄŸ¸¸›¸Ÿ¸»¥¡¸OpeningPresentValueofDefinedBenefitObligation

4182.24 3729.84 483.82 495.39 270.23 275.06

2 ¤¡¸¸]¸¥¸¸Š¸÷¸InterestCost

290.55 274.79 44.88 34.57 18.21 19.92

3 \¸¸¥¸»¬¸½¨¸¸¥¸¸Š¸÷¸CurrentServiceCost

483.13 413.77 40.24 29.32 29.13 36.39

4 œ¸»¨¸Ä¬¸½¨¸¸¥¸¸Š¸÷¸PastServiceCost

0.00 0.00 0.00 0.00 0.00 0.00

5 œÏ™î¸¥¸¸ž¸BenefitsPaid (349.20) (368.31) (93.76) (98.54) (37.75) (36.38)

6 ¨¸«¸Äí½÷¸º„œ¸¢\¸÷¸(¥¸¸ž¸)/í¸¢›¸Actuarial(Gains)Lossesfortheyear

186.76 132.14 7.03 23.08 21.80 (24.76)

7 œ¸¢£ž¸¸¢«¸÷¸¥¸¸ž¸™¸¢¡¸÷¨¸¸ÊˆÅ¸¥¸½‰¸¸¤¸¿™ú¨¸÷¸ÄŸ¸¸›¸Ÿ¸»¥¡¸ClosingPresentValueofDefinedBenefitObligation

4793.48 4182.24 482.21 483.82 301.62 270.23


86

II. ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Ê ˆ½Å„¢\¸÷¸Ÿ¸»¥¡¸ Ÿ¸Ê¤¸™¥¸¸¨¸À (²Å.ˆÅ£¸½”õŸ¸Ê)Change in the Fair Value of Plan Assets: (Rs.inCrores)

ÇÅ.¬¸¿.S N


œ¸Ê©¸›¸¡¸¸½]¸›¸¸PENSION PLANS

„œ¸™¸›¸¡¸¸½]¸›¸¸GRATUITY PLANS

31.03.2017 31.03.2016 31.03.2017 31.03.2016

1 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸ÊˆÅ¸‚¸£¿¢ž¸ˆÅ„¢\¸÷¸Ÿ¸»¥¡¸Openingfairvalueofplanassets

4180.48 3676.60 481.86 489.12

2 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Êœ¸£‚œ¸½¢®¸÷¸œ¸º›¸Ä‚™¸¡¸Š¸úExpectedreturnonplanassets

332.35 321.70 54.95 42.80

3 ¢ˆÅ¡¸¸Š¸¡¸¸‚¿©¸™¸›¸Contributionsmade

595.40 540.76 42.00 52.27

4 ¢ˆÅ¡¸¸Š¸¡¸¸‚¿©¸™¸›¸Benefitspaid

(349.20) (368.31) (93.76) (98.54)

5 „œ¸¢\¸÷¸(¥¸¸ž¸)/í¸¢›¸Actuarialgains/losses

9.97 9.73 (18.25) (3.79)

6 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸ÊˆÅ¸¬¸Ÿ¸¸œ¸›¸„¢\¸÷¸Ÿ¸»¥¡¸Closingfairvalueofplanassets

4769.00 4180.48 466.80 481.86

III. ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ £ˆÅŸ¸ ( ²Å.ˆÅ£¸½”õ Ÿ¸Ê) Amount recognized in the Balance Sheet: (Rs.inCrores)

ÇÅ.¬¸¿S N


¢›¸¢š¸ˆÅœ¸¢£ž¸¸¢«¸÷¸¥¸¸ž¸™¸¢¡¸÷¨¸FUNDED DEFINED BENEFIT OBLIGATIONS

Š¸¾£¢›¸¢š¸ˆÅœ¸¢£ž¸¸¢«¸÷¸ ¥¸¸ž¸™¸¢¡¸÷¨¸

UNFUNDED DEFINED BENEFIT OBLIGA-

TIONS

œ¸½¿©¸›¸¡¸¸½]¸›¸¸‡¿PENSION PLANS

„œ¸™¸›¸¡¸¸½]¸›¸¸‡¿GRATUITY PLANS

ˆºÅ¥¸OTAL

ŽºØú›¸Š¸™úˆÅ£µ¸LEAVE ENCASHMENT

31.03.17 31.03.16 31.03.17 31.03.16 31.03.17 31.03.16 31.03.17 31.03.161 œ¸¢£ž¸¸¢«¸÷¸¥¸¸ž¸™¸¢¡¸÷¨¸ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸

Ÿ¸»¥¡¸Present Value of Defined Benefit Obligations 4793.48 4182.24 482.21 483.82 5275.69 4666.06 270.23 270.23

2 ¡¸¸½]¸›¸¸¤¸Ö‚¸¢¬÷¸¡¸¸½¿ˆÅ¸„¢\¸÷¸Ÿ¸»¥¡¸Fair Value of Plan Assets (4769.00) (4180.48) (466.80) (481.86) (5235.80) (4662.34) (0.00) (0.00)

3 ¢›¸š¸¸Ä¢£÷¸ ¢›¸¨¸¥¸ ™½¡¸÷¸¸Net liability to be recognized 24.48 1.76 15.41 1.96 39.89 3.72 270.23 270.23

4 ÷¸º¥¸›¸œ¸°¸ Ÿ¸½¿ ¢›¸š¸¸Ä¢£÷¸ ‚›¡¸ £ˆÅŸ¸Other amount recognized in the Balance Sheet 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 ÷¸º¥¸›¸œ¸°¸ Ÿ¸½¿ ¢›¸š¸¸Ä¢£÷¸ ¢›¸¨¸¥¸ ™½¡¸÷¸¸Net liability recognized in the Balance Sheet 24.48 1.76 15.41 1.96 39.89 3.72 270.23 270.23

IV¥¸¸ž¸‚¸¾£í¸¢›¸¥¸½‰¸¸Ÿ¸Ê¢›¸š¸¸Ä¢£÷¸£ˆÅŸ¸À (²Å.ˆÅ£¸½”õŸ¸Ê)Amount recognized in the Profit & Loss Account: (Rs.inCrores)

ÇÅ.¬¸¿.S N

¢¨¸¨¸£µ¸Particulars

œ¸Ê©¸›¸¡¸¸½]¸›¸¸‡¿PENSION PLANS



31.03.2017 31.03.2016 31.03.2017 31.03.2016 31.03.2017 31.03.2016

1. ¨¸÷¸ÄŸ¸¸›¸¬¸½¨¸¸¥¸¸Š¸÷¸CurrentServiceCost

483.13 413.77 40.24 29.32 29.13 36.39

2. ¤¡¸¸]¸¥¸¸Š¸÷¸InterestCost 290.55 274.79 44.88 34.57 18.21 19.91

3. ¡¸¸½]¸›¸¸‚¸¦¬÷¸¡¸¸Êœ¸£‚œ¸½¢®¸÷¸‚¸¡¸ExpectedReturnonPlanAssets

(332.35) (321.70) (54.95) (42.80) 0.00 0.00

4. ¨¸«¸Äí½÷¸º¢›¸¨¸¥¸]¸ú¨¸›¸¸¿¢ˆÅˆÅ(¥¸¸ž¸)/í¸¢›¸¡¸¸¿Actuarial(Gains)/Lossesfortheyear

176.78 122.42 25.27 26.86 21.80 (24.76)

5. ¬¸½¨¸¸œ¸ä¸¸÷¸¥¸¸Š¸÷¸PastServiceCost 0.00 0.00 0.00 0.00 0.00 0.00

6. ¢›¸š¸¸Ä¢£÷¸¨¡¸¡¸Expense to be recognized

618.12 489.28 55.44 47.96 69.14 31.54

87


7. ¨¸«¸Ä ˆ½Å ™¸¾£¸›¸ ¢ˆÅ‡ Š¸‡ ‚¢÷¸¢£Æ÷¸ œÏ¸¨¸š¸¸›¸/(œÏ¢÷¸¥¸½¢‰¸÷¸)Additionalprovisionmade/(writeback)duringtheyear

0.00 0.00 0.00 0.00 0.00 0.00

8. ˆÅŸ¸Ä\¸¸£ú ¥¸¸Š¸÷¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ ‚¸¾£ ¥¸¸ž¸ ¨¸í¸¢›¸ ‰¸¸÷¸½ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ˆºÅ¥¸ ‰¸\¸ÄNet expense recognized in Profit & Loss Account and included in Staff Cost

618.12 489.28 55.44 47.96 69.14 31.54

V. ÷¸º¥¸›¸ œ¸°¸ Ÿ¸Ê ¢›¸š¸¸Ä¢£÷¸ ¢›¸¨¸¥¸ ™½¡¸÷¸¸ ˆÅ¸ ¬¸Ÿ¸¸š¸¸›¸ (²Å. ˆÅ£¸½”õ Ÿ¸Ê) Reconciliation in the Net Liability recognized in the Balance Sheet (Rs. in Crores)

ÇÅ.¬¸¿.SN





31.03.2017 31.03.2016 31.03.2017 31.03.2016 31.03.2017 31.03.2016

1 œÏ¸£¿¢ž¸ˆÅ¢›¸¨¸¥¸™½¡¸÷¸¸OpeningNetLiability

1.76 53.24 1.96 6.27 270.23 275.06

2 ¢›¸š¸¸Ä¢£÷¸¨¡¸¡¸Expenserecognized

618.12 489.28 55.44 47.96 69.14 31.54

3 œÏ™î¸‚¿©¸™¸›¸/¥¸¸ž¸Contributions/Benefitspaid

(595.40) (540.76) (42.00) (52.27) (37.75) (36.37)

4 ¬¸Ÿ¸¸œ¸›¸ ¢›¸¨¸¥¸ ™½¡¸÷¸¸Closing Net Liability

24.48 1.76 15.41 1.96 301.62 270.23

VI.¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Êœ¸£¨¸¸¬÷¸¢¨¸ˆÅ‚¸¡¸ (ˆÅ£¸½”õŸ¸Ê)Actual Return on Plan Assets (Rs.inCrores)

ÇÅ.¬¸¿.S N




31.03.2017 31.03.2016 31.03.2017 31.03.2016

1 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Êœ¸£‚œ¸½¢®¸÷¸‚¸¡¸Expectedreturnonplanassets

332.35 321.70 54.95 42.80

2 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Êœ¸£]¸ú¨¸›¸¸¿¢ˆÅˆÅ¥¸¸ž¸(í¸¢›¸)Actuarialgain(loss)onplanassets

9.97 9.73 (18.25) (3.79)

3 ¡¸¸½]¸›¸¸¤¸Ö‚¸¦¬÷¸¡¸¸Êœ¸£ ¨¸¸¬÷¸¢¨¸ˆÅ‚¸¡¸Actual return on plan assets

342.32 331.43 36.70 39.01

VII. Ÿ¸»¥¸]¸ú¨¸›¸¸¿¢ˆÅˆÅ Ÿ¸¸›¡¸÷¸¸‡¿(ž¸¸¢£÷¸‚¸¾¬¸÷¸¸Ê ˆ½Å ³Åœ¸ Ÿ¸Ê ¨¡¸Æ÷¸) Principal Actuarial Assumptions (expressed as weighted averages)

ÇÅ.¬¸¿.

S N





31.03.2017 31.03.2016 31.03.2017 31.03.2016 31.03.2017 31.03.2016

1 ž¸¸¿¢]¸÷¸™£Discountrate

7.25% 7.75% 7.25% 7.75% 7.25% 7.75%

2 ¡¸¸½]¸›¸¸‚¸¦¬÷¸¡¸¸Êœ¸£‚œ¸½¢®¸÷¸‚¸¡¸Expectedreturnonplanassets

7.95% 8.75% 8.05% 8.75% NA NA

3 ¨¸½÷¸›¸¨¸¼¢ÖˆÅú‚œ¸½¢®¸÷¸™£Expectedrateofsalaryincreases

5.50% 5.50% 5.50% 5.50% 5.50% 5.50%

Š¸. ‚›¡¸ ™ú‹¸¸Ä¨¸¢š¸ ¥¸¸ž¸ : (²Å.ˆÅ£¸½”õŸ¸Ê )

ÇÅ.¬¸¿. ¢¨¸¨¸£µ¸¥¸¸ž¸¨¸í¸¢›¸‰¸¸÷¸½Ÿ¸Ê¢›¸š¸¸Ä¢£÷¸

31.03.2017 31.03.2016

1 œ¸º›¸¬˜¸¸Äœ¸›¸ž¸î¸¸ 0.15 1.20

2 Žº’Ã’ú¢ˆÅ£¸¡¸¸¢£¡¸¸¡¸÷¸ 43.91 18.85

3 £]¸÷¸]¸¡¸¿÷¸úœ¸º£¬ˆÅ¸£ 0.09 0.12

]¸¸½”õ 44.15 20.08

C. Other Long Term Benefits: (Rs.inCrores)

S N ParticularsRecognized in Profit &

Loss Account31.03.2017 31.03.2016

1 ResettlementAllowance 0.15 1.202 LeaveFareConcession 43.91 18.853 SilverJubileeAward 0.09 0.12

Total 44.15 20.08


88

10.5 ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 17 - ®¸½°¸ ¢£œ¸¸½¢’ôŠ¸Accounting Standard 17- Segment Reporting

¤¸ÿˆÅ›¸½‚œ¸›¸½œÏ¸˜¸¢Ÿ¸ˆÅ¢£œ¸¸½’ÄˆÅ£›¸½¡¸¸½Š¡¸®¸½°¸¸ÊˆÅ¸‚¢ž¸¢›¸š¸¸Ä£µ¸¢›¸Ÿ›¸¸›¸º¬¸¸£¢ˆÅ¡¸¸í¾.Bankhasidentifieditsprimaryreportablesegmentsasunder:

ž¸¸Š¸ˆÅ:¨¡¸¨¸¬¸¸¡¸®¸½°¸Part A: Business segments (²Å.ˆÅ£¸½”õ Ÿ¸Ê)Rsincrores

¨¡¸¨¸¬¸¸¡¸ ®¸½°¸ Business Segments >

‰¸]¸¸›¸¸Treasury

¬¸¿¬˜¸¸Š¸÷¸/˜¸¸½ˆÅ ¤¸ÿ¢ˆ¿ÅŠ¸Corporate/ Wholesale

Banking

‰¸º™£¸ ¤¸ÿ¢ˆ¿ÅŠ¸Retail Banking

‚›¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ œ¸¢£\¸¸¥¸›¸Other Banking

Operations

ˆºÅ¥¸Total


2016-17 2015-16 2016-17 2015-16 2016-17 2015-16 2016-17 2015-16 2016-17 2015-16

£¸]¸¬¨¸Revenue 4079.07 3106.57 5147.54 6676.80 3992.21 3899.26 351.21 389.65 13570.03 14072.27

œ¸¢£µ¸¸Ÿ¸Result 1317.49 323.79 (2616.86) (293.36) (896.99) 338.50 53.58 48.84 (2143.06) 417.77

‚›¸¸¤¸¿¢’÷¸ ¨¡¸¡¸Unallocated expenses

0.00 0.00

œ¸¢£\¸¸¥¸›¸ ¥¸¸ž¸Operating profit

(2143.07) 417.77

ˆÅ£ ‚¸¬˜¸¢Š¸÷¸ ˆÅ£¸Ê ¬¸¢í÷¸Taxes including deferred taxes

(770.56) 317.08

‚¬¸¸š¸¸£µ¸ ¥¸¸ž¸ / í¸¢›¸Extraordinary profit/ loss

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil

©¸»›¡¸ Nil - -

¢›¸¨¸¥¸ ¥¸¸ž¸Net profit

(1372.51) 100.69

‚›¡¸]¸¸›¸ˆÅ¸¢£¡¸¸¿:Other Information:

®¸½°¸ ‚¸¦¬÷¸¡¸¸¿Segment assets

48024.30 39000.66 58617.74 72228.59 39219.77 37924.10 11432.09 10859.27 157293.90 160012.62

‚›¸¸¤¸¿¢’÷¸ ‚¸¦¬÷¸¡¸¸¿Unallocated assets

2030.08 944.71

ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿Total assets

159323.98 160957.32

®¸½°¸ ™½¡¸÷¸¸‡¿Segment liabilities

47378.24 38336.91 55545.34 67345.86 36979.63 35167.74 12041.24 11319.67 151944.46 152170.18

‚›¸¸¤¸¿¢’÷¸ ™½¡¸÷¸¸‡¿Unallocated liabilities

0.00 0.00

œ¸»¿]¸ú ‚¸¾£ ‚›¡¸ œÏ¸£¢®¸¢÷¸¡¸¸¿Capital & Other Reserves

7379.52 8787.14

ˆºÅ¥¸ ™½¡¸÷¸¸‡¿Total liabilities

159323.98 160957.32

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i) ˆºÅ¥¸‚¸¾¬¸÷¸¨¸¸¢«¸ÄˆÅœ¸µ¡¸¸¨¸÷¸Ä²Å.50ˆÅ£¸½”õ¬¸½ˆÅŸ¸í¾‚¸¾£

ii) ‡ˆÅœÏ¢÷¸œ¸®¸Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸ˆºÅ¥¸¢›¸¨¸½©¸¤¸ÿˆÅˆ½Å¬¸Ÿ¸ŠÏ‰¸º™£¸¬¸¿¢¨¸ž¸¸Š¸ˆ½Å0.2%¬¸½‚¢š¸ˆÅ›¸íú¿í¾‚¸¾£

iii) ‡ˆÅœÏ¢÷¸œ¸®¸Ÿ¸Ê¢ˆÅ¡¸¸Š¸¡¸¸‚¢š¸ˆÅ÷¸Ÿ¸¢›¸¨¸½©¸²Å.5ˆÅ£¸½”õ÷¸ˆÅí¾.

‹¸) ‚›¡¸¤¸ÿ¢ˆ¿ÅŠ¸œ¸¢£\¸¸¥¸›¸¸Êˆ½Å®¸½°¸Ÿ¸Ê‡½¬¸½¬¸ž¸ú‚›¡¸¤¸ÿ¢ˆ¿ÅŠ¸¨¡¸¨¸í¸£©¸¸¢Ÿ¸¥¸íÿ¢]¸›íÊ„œ¸¡¸ºÄÆ÷¸®¸½°¸¸Êˆ½Å‚›÷¸Š¸Ä÷¸©¸¸¢Ÿ¸¥¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾.

a) Treasury segment includes Investment, balances with Banksoutside India, Interest accrued on investments and relatedincometherefrom.

b) Corporate/Wholesale Banking Segments include all advancesto trusts, partnership firms, companies, statutory bodies andindividuals etc. which are not included in Retail BankingSegments.

c) Retail Banking Segments include exposure to entity/concernwherei. TotalaverageannualturnoverlessthanRs.50croresandii. Noaggregateexposuretoonecounterpartyexceeds0.2%

oftheoverallretailportfoliooftheBankandiii. Themaximumaggregatedretailexposuretoonecounterpart

isuptoRs.5crores.d) Other Banking Operations segment includes all other

bankingtransactionnotcoveredundersegments,specifiedabove.

89


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10.7¥¸½‰¸¸Ÿ¸¸›¸ˆÅ-19-œ¸’Ã’¸¢¨¸î¸ú¡¸œ¸’Ã’¸:œ¸’Ã’¸ ¢]¸¬¸ˆ½Å ÷¸í÷¸ ¤¸ÿˆÅ ¬¨¸¸¢Ÿ¸÷¨¸ ˆ½Å ¬¸ž¸ú ]¸¸½¢‰¸Ÿ¸¸Ê‚¸¾£ œ¸º£¬ˆÅ¸£ ˆÅ¸½ ˆÅ¸ûÅú í™ ÷¸ˆÅ¨¸Š¸úÄˆ¼Å÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾,¢¨¸î¸ú¡¸œ¸’Ã’½í¸½÷¸½íÿ—‡½¬¸ú‚¸¦¬÷¸¡¸¸ÊˆÅ¸½‚¸¦¬÷¸ˆÅ¸½„¢\¸÷¸™£œ¸£¡¸¸œ¸’Ã’½ˆÅú©¸º²Å‚¸÷¸Ÿ¸Êœ¸’Ã’½ˆ½Åž¸ºŠ¸÷¸¸›¸×¸£¸,]¸¸½ž¸úˆÅŸ¸í¸½,œ¸»Â]¸úˆ¼Å÷¸¢ˆÅ¡¸¸]¸¸÷¸¸í¾—

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10.8¥¸½‰¸¸Ÿ¸¸›¸ˆÅ-20-œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸

¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016Ÿ¸»¥¸œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸(ƒÄœ¸ú‡¬¸) ²Å.(11.75) ²Å.0.91‚›¸ºˆ¼Å÷¸œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸ ²Å.(11.75) ²Å.0.91

Ÿ¸»¥¸/‚›¸ºˆ¼Å÷¸œÏ¢÷¸©¸½¡¸£‚]¸Ä›¸ˆÅúŠ¸µ¸›¸¸.ˆÅ)ˆÅ£„œ¸£¸¿÷¸¢›¸¨¸¥¸¥¸¸ž¸(²Å.¥¸¸‰¸Ÿ¸Ê) 137250.77 10068.52‰¸) ƒÄ¦Æ¨¸’ú ©¸½¡¸£¸Ê ˆÅú ž¸¸¢£÷¸‚¸¾¬¸÷¸ ¬¸¿‰¡¸¸ (¬¸¿‰¡¸¸¥¸¸‰¸Ÿ¸Ê) 11683.34 11117.36

Š¸)œÏ¢÷¸©¸½¡¸£Ÿ¸»¥¸‚]¸Ä›¸[(ˆÅ)¢¨¸ž¸¸¢]¸÷¸(‰¸)×¸£¸] ²Å.(11.75) ²Å.0.91‹¸)œÏ¢÷¸©¸½¡¸£‚¢ž¸¢í÷¸Ÿ¸»¥¡¸ ²Å.10.00 ²Å..10.00

Part B: Geographical Segment

SincetheoperationsoftheBankarewithinIndiaonly,GeographicalSegmentisnotapplicable.10.6 Accounting Standard 18 – Related party disclosuresThedetailsinthisregardareasunder:A. Name of the Related Parties and their relationship: (A)SubsidiaryoftheBank –TheMaharashtraExecutor&Trustee Co.Pvt.Limited(B)AssociateoftheBank -MaharashtraGraminBank(C)KeyManagementPersonnel-1) Shri Sushil Muhnot Chairman & Managing Director (from

09.11.2013to26.09.2016)2) Shri Ravindra Marathe, Managing Director and CEO (from

26.09.2016totilldate)3) Shri R Athmaram, Executive Director (from 07.08.2013 to

31.10.2016)4) ShriRKGupta,ExecutiveDirector(from31.12.2013totilldate)5) ShriACRout,ExecutiveDirector(from31.03.2017totilldate)B. Transactions with Related parties

(Rs.inCrores)Particulars 31.03.17 31.03.16Salary&Allowances(includingperquisites) 0.67 0.62

Loans&AdvancestoKeyManagementPersonnel 0.43 0.55

DepositsofKeyManagementPersonnel 1.35 0.06

PlacementofDepositsbyKeyManagementPersonnel 0.00 0.25

InterestpaidtoKeyManagementPersonnel 0.02 0.03

InterestreceivedfromKeyManagementPersonnel 0.05 0.05

Thetransactionswiththesubsidiaryandassociateofthebankhavenotbeendisclosed inviewofpara9of theAS-18RelatedPartiesDisclosures,whichexemptsstatecontrolledenterprisesfrommakingany disclosure pertaining to their transactions with other statecontrolledrelatedparties.10.7 Accounting Standard 19 - LeasesFinance Leases: LeaseunderwhichtheBankassumessubstantiallyalltherisksandrewardsofownershipareclassifiedhasfinanceleases.Suchassetsacquiredarecapitalizedatfairvalueoftheassetorleasepaymentsattheinceptionofthelease,whicheverislower.Operating Leases:Lease payments under operating leases are recognized has anexpenseasandwhen incurred in theStatementofProfitandLossover the lease term.Amount of lease payments recognized in theProfit and LossAccount for operating leases is Rs. 131.95 crores(PreviousyearRs.127.82crores)10.8 Accounting Standard 20 - Earnings per Share

Particulars 31.03.2017 31.03.2016BasicE.P.S. Rs.(11.75) Rs0.91DilutedE.P.S. Rs.(11.75) Rs0.91Calculation of Basic /Diluted EPS.a)NetProfitafterTax(Rs.inLakhs) 137250.77 10068.52b)WeightedAveragenumberofEquityShares(inLakhs) 11683.34 11117.36

c)BasicEarningspershare[(a)dividedby(b)] Rs(11.75) Rs0.91

d)NominalValueperShare Rs.10.00 Rs.10.00


90

10.9¥¸½‰¸¸Ÿ¸¸›¸ˆÅ21-¬¸Ÿ¸½¢ˆÅ÷¸¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¬¸í¸¡¸ˆÅ ¿Åœ¸›¸ú‚˜¸¸Ä÷¸Ÿ¸í¸£¸«’ïŠÏ¸Ÿ¸úµ¸¤¸ÿˆÅ ½Åœ¸¢£µ¸¸Ÿ¸¸Ê Å¸½Ÿ¸»¥¸¤¸ÿˆÅ‚¸¾£‚›¸º«¸¿Š¸ú‚˜¸¸Ä÷¸Ÿ¸í¸£¸«’ï‡¦Æ]¸Æ¡¸»’£‡¿”’ï¬’úˆ¿Åœ¸›¸úœÏ¸.¢¥¸.ˆ½Åœ¸¢£µ¸¸Ÿ¸¸ÊŸ¸ÊÇÅŸ¸©¸À¥¸½‰¸¸¿ˆÅ›¸Ÿ¸¸›¸ˆÅ23‚¸¾£¥¸½‰¸¸¿ˆÅ›¸Ÿ¸¸›¸ˆÅ21ˆ½Å‚›¸ºœ¸¸¥¸›¸Ÿ¸Ê¬¸Ÿ¸½¢ˆÅ÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

10.10¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 22 - ‚¸¡¸ œ¸£ ˆÅ£¸Ê í½÷¸º ¥¸½‰¸¸¿ˆÅ›¸10.10.1¬¸¿œ¸»µ¸Ä¬¸Ÿ¸ú®¸¸‚¸¾£¤¸ÿˆÅˆ½ÅˆÅ£¬¸¥¸¸íˆÅ¸£ˆÅú¢¨¸©¸½«¸±¸¬¸¥¸¸íˆ½Å‚¸š¸¸£œ¸£¤¸ÿˆÅ›¸½ž¸¢¨¸«¡¸Ÿ¸Ê ˆÅ£ ¡¸¸½Š¡¸‚¸¡¸ ˆÅ¸‚›¸ºŸ¸¸›¸ ¥¸Š¸¸¡¸¸ í¾ ¢]¸¬¸ˆ½Å ˆÅ¸£µ¸ ‰¸£¸¤¸‚¸¾£ ¬¸¿™½í¸¬œ¸™†µ¸(‡›¸œ¸ú‡)ˆ½ÅœÏ¸¨¸š¸¸›¸¸Êˆ½ÅˆÅ¸£µ¸í¸½›¸½¨¸¸¥¸½¬¸Ÿ¸¡¸ˆ½Å‚¿÷¸£ˆÅ¸½Ÿ¸í¬¸»¬¸¢ˆÅ¡¸¸]¸¸¬¸ˆÅ÷¸¸í¾‚¸¾£÷¸™›¸º¬¸¸£¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸¤¸ÿˆÅ›¸½²Åœ¸¡¸½ˆÅú‚¸¬˜¸¢Š¸÷¸ˆÅ£¬¸¿œ¸¢î¸¡¸¸ÊˆÅ¸½Ÿ¸¸›¡¸÷¸¸™úí¾,ž¸¢¨¸«¡¸ ½Å Å£¡¸¸½Š¡¸‚¸¡¸ Åú„œ¸¥¸¤š¸÷¸¸ Åú„¢\¸÷¸¢›¸¢ä¸÷¸÷¸¸ ½Å‚¸š¸¸£œ¸£,ƒ¬¸÷¸£íˆ½Å¬¸Ÿ¸¡¸‚¿÷¸£œ¸£„œ¸£¸½Æ÷¸ˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê²Å.761.25ˆÅ£¸½”õ,¢]¸¬¸ˆ½Å¢‰¸¥¸¸ûÅƒ¬¸÷¸£íˆÅú¬˜¸¢Š¸÷¸ˆÅ£¬¸¿œ¸¢î¸ˆÅ¸‡í¬¸¸¬¸í¸½¬¸ˆÅ÷¸¸í¾—

10.10.2 ¤¸ÿˆÅ›¸½‡‡¬¸22ˆÅ¸œ¸¸¥¸›¸ˆÅ£÷¸½íº‡ˆÅ£ˆÅ¸¥¸½‰¸¸¿ˆÅ›¸¢ˆÅ¡¸¸í¾.÷¸™›¸º¬¸¸£,‚¸¬˜¸¢Š¸÷¸ˆÅ£-‚¸¦¬÷¸¡¸¸¿‚¸¾£‚¸¬˜¸¢Š¸÷¸ˆÅ£™½¡¸÷¸¸‡Â¢›¸Ÿ›¸¸›¸º¬¸¸£íÿ: (²Å.ˆÅ£¸½”Ÿ¸Ê)

¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸¡¸¸¿1)¬¸¿¢\¸÷¸í¸¢›¸¡¸¸Êˆ½ÅˆÅ¸£µ¸ 0.00 0.002)ˆÅŸ¸Ä\¸¸£ú‚›¸º¥¸¸ž¸í½÷¸ºœÏ¸¨¸š¸¸›¸¸Êˆ½Å³Åœ¸Ÿ¸Ê 144.58 92.493)‚›¡¸œÏ¸¨¸š¸¸›¸]¸í¸¿”ú’ú‡¤¸›¸¸¡¸¸Š¸¡¸¸í¾. 868.60 39.94

„œ¸]¸¸½”õ(ˆÅ) 1013.18 132.43‚¸¬˜¸¢Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸1)š¸¸£¸36(1)(viii)ˆ½Å‚›÷¸Š¸Ä÷¸¢¨¸©¸½«¸œÏ¸£¢®¸÷¸

¢›¸¢š¸ˆ½Å³Åœ¸Ÿ¸Ê 171.68 171.68

2)¢›¸¨¸½©¸œ¸£Ÿ¸»¥¡¸Ý¸¬¸ˆ½Å³Åœ¸Ÿ¸Ê 161.08 161.08

3)¦¬˜¸£‚¸¦¬÷¸¡¸¸Êœ¸£Ÿ¸»¥¡¸Ý¸¬¸ˆ½Å³Åœ¸Ÿ¸Ê 3.29 3.29

4)‚›¡¸œÏ¸¨¸š¸¸›¸]¸í¸Â”ú’ú‡¥¸÷¸¾¡¸¸£¢ˆÅ¡¸¸Š¸¡¸¸ 28.84 0.00

„œ¸]¸¸½”(‰¸) 364.89 336.05¢›¸¨¸¥¸‚¸¬˜¸¢Š¸÷¸ˆÅ£‚¸¦¬÷¸(ˆÅ-‰¸) 648.29 (-)203.62

10.11 ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 24 - œ¸¢£\¸¸¥¸›¸ ˆÅ¸ ¬¸Ÿ¸¸œ¸›¸

¤¸ÿˆÅ›¸½¢¨¸î¸ú¡¸¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸‚œ¸›¸ú¢ˆÅ¬¸úž¸ú¨¡¸¨¸¬¸¸¡¸Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê/œ¸¢£\¸¥¸›¸¸ÊˆÅ¸¬¸Ÿ¸¸œ¸›¸›¸íú¿¢ˆÅ¡¸¸¢]¸¬¸ˆÅ¸œ¸¢£µ¸¸Ÿ¸‚¸¦¬÷¸¡¸¸Ê Åú ¸¬¸»¥¸ú÷¸˜¸¸™½¡¸÷¸¸‚¸Ê Å¸¢›¸œ¸’¸›¸£í¸‚¸¾£‚œ¸›¸ú¬¸Ÿ¸ŠÏ÷¸¸Ÿ¸Ê¨¡¸¨¸¬¸¸¡¸Š¸¢÷¸¢¨¸¢š¸ˆ½Å¬¸Ÿ¸¸œ¸›¸ˆÅ¸½‚¿¢÷¸Ÿ¸³Åœ¸™½›¸½ˆÅ¸ˆÅ¸½ƒÄ¢›¸µ¸Ä¡¸›¸íú¿¢¥¸¡¸¸Š¸¡¸¸¢]¸¬¸ˆÅ¸„Æ÷¸œÏž¸¸¨¸œ¸”õ½Š¸¸—

10.12 ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 26 - ‚Ÿ¸»÷¸Ä‚¸¦¬÷¸¡¸¸ÊˆÅ¸¥¸½‰¸¸¿ˆÅ›¸

ˆÅŸœ¡¸»’£¬¸¸ÁÉ’¨¸½¡¸£-‚¸¿÷¸¢£ˆÅ³Åœ¸¬¸½¢›¸¢Ÿ¸Ä÷¸ˆ½Å‚¢÷¸¢£Æ÷¸À„œ¸¡¸¸½Š¸‚¨¸¢š¸ 3¨¸«¸Ä

œ¸¢£©¸¸½š¸›¸™£ 33.33%

œ¸¢£©¸¸½š¸›¸œ¸š™¢÷¸-¥¸¸Š¸÷¸œ¸£¬¸£¥¸£½‰¸¸œ¸Ö¢÷¸

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

¢¨¸¨¸£µ¸ 31.03.2017 31.03.2016

¨¸«¸Äˆ½Å‚¸£¿ž¸Ÿ¸Ê¬¸¸ÁÉ’¨¸½¡¸£ 33.70 29.16¨¸«¸Äˆ½Å™¸¾£¸›¸¢¥¸¡¸½Š¸¡¸½¬¸¸ÁÉ’¨¸½¡¸£ 9.64 34.16¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸¢£©¸¸½š¸›¸ 25.52 29.62¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ ‚¸Š¸½ ¥¸½ ]¸¸ƒÄ Š¸ƒÄ¢›¸¨¸¥¸£¸¢©¸ 17.82 33.70

¢’œœ¸µ¸ú:¬¸¸ÁÉ’¨¸½¡¸£ˆ½Å¢œ¸Ž¥¸½¬¸¸¥¸ˆ½Å‚¸¿ˆÅ”õ¸ÊˆÅ¸½¬¸íú¬¸¿÷¸º¥¸›¸œ¸£œ¸íº¿\¸¸›¸½ˆ½Å¢¥¸‡œ¸º›¸Ÿ¸»Ä¥¡¸¸¿¢ˆÅ÷¸‚¸¾£¬¸ºš¸¸£¸Š¸¡¸¸í¾—

10.9 Accounting Standard 21 – Consolidated Financial Statements

TheresultsoftheAssociateviz.MaharashtraGraminBankhasbeenconsolidated with the parent bank and subsidiary viz. MaharashtraExecutor & Trustee Company Private Limited in compliance withAccountingStandard23andAccountingStandard21respectively.10.10 Accounting Standard 22 – Accounting for Taxes on Income 10.10.1 BasedonthethoroughreviewandontheexpertadviceofBank’sTaxConsultant, the Bank has estimated future taxable income againstwhich timing difference arising on account of provisions for Bad &DoubtfulDebts(NPA)canberealizedandaccordinglyduringtheyear2016-17,theBankhasrecognizeddeferredtaxassetsofRs.761.25crores in respect of the above on such timing difference based onreasonable certainty of availability of future taxable income againstwhichsuchdeferredtaxassetscanberealized.10.10.2ThebankhasaccountedfortaxesonincomeincompliancewithAS22.Accordingly,DeferredTaxAssetsandDeferredTaxLiabilitiesareasunder:

(Rs.inCrores)Particulars 31.03.2017 31.03.2016Deferred Tax Assets 1)OnaccountofAccumulatedLosses 0.00 0.002)Onaccountofprovisionsfor

Employeesbenefits 144.58 92.49

3)OtherProvisionswhereDTAiscreated 868.60 39.94

Sub-Total (A) 1013.18 132.43Deferred Tax Liability1)OnaccountofSpecialReserveu/s

36(1)(viii) 171.68 171.68

2)OnaccountofDepreciationonInvestment 161.08 161.08

3)OnaccountofDepreciationonFixedAssets 3.29 3.29

4)OtherProvisionswhereDTLiscreated 28.84 0.00

Sub-Total (B) 364.89 336.05Net Deferred Tax Asset (A-B) 648.29 (-)203.62

10.11 Accounting Standard -24- Discontinuing Operations

The Bank, during the financial year 2016-17, has not discontinuedanyofitsbusinessactivities/operationswhichresultedindischargingof liabilities and realization of the assets and no decision has beenfinalizedtodiscontinueabusinessactivityinitsentiretywhichwillhavetheaboveeffects.10.12 Accounting Standard 26—Accounting for Intangible Assets Computer Software – other than internally generated:Usefullife -3years.AmortizationRate -33.33%AmortizationMethod-Straightlineatcost

(Rs.inCrores)

Particulars 31.03.2017 31.03.2016Softwareatthebeginningoftheyear 33.70 29.16Softwareacquiredduringtheyear 9.64 34.16Amortizationduringtheyear 25.52 29.62Netcarryingamountattheendoftheyear 17.82 33.70

Note : PreviousYear figures of software have been regrouped andrectifiedtoarriveatthecorrectbalance

91


10.13 ¥¸½‰¸¸Ÿ¸¸›¸ˆÅ-28-‚¸¦¬÷¸¡¸¸ÊˆÅ¸‚›¸]¸ÄˆÅí¸½›¸¸

¤¸ÿˆÅ›¸½‚¢ž¸¢›¸š¸¸Ä¢£÷¸¢ˆÅ¡¸¸í¾¢ˆÅ‚\¸¥¸‚¸¦¬÷¸¡¸¸Â‚›¸]¸ÄˆÅ›¸íú¿íºƒÄí¾.ƒ¬¸¢¥¸‡¥¸½‰¸¸Ÿ¸¸›¸ˆÅ28ˆ½Å‚›¸º¬¸¸£ˆÅ¸½ƒÄœÏ¸¨¸š¸¸›¸ˆÅ£›¸½ˆÅú‚¸¨¸©¡¸ˆÅ÷¸¸›¸íú¿í¾.

10.14 ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 29 - œÏ¸¨¸š¸¸›¸, ‚¸ˆÅ¦¬Ÿ¸ˆÅ ™½¡¸÷¸¸‡¿ ‚¸¾£ ‚¸ˆÅ¦¬Ÿ¸ˆÅ‚¸¦¬÷¸¡¸¸¿

œÏ¤¸¿š¸›¸ˆ½Å Ÿ¸÷¸¸›¸º¬¸¸£‚›¸º¬¸»\¸ú12Ÿ¸Ê ¬¸¿™¢ž¸Ä÷¸‚¸ˆÅ¦¬Ÿ¸ˆÅ™½¡¸÷¸¸‚¸Êˆ½Å ¢¥¸‡ˆÅ¸½ƒÄœÏ¸¨¸š¸¸›¸ˆÅ£›¸¸‚¸¨¸©¡¸ˆÅ›¸íú¿í¾.

11 †µ¸¸Ê‚¸¾£‚¢ŠÏŸ¸¸ÊŸ¸Êš¸¸½‰¸¸š¸”õúˆ½ÅŸ¸¸Ÿ¸¥¸½í½÷¸ºœÏ¸¨¸š¸¸›¸

ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™©¸¸¢›¸™½Ä©¸¸Ê ˆ½Å‚›¸º¬¸¸£ ¤¸ÿˆÅ¸Ê ˆÅ¸½ ]¸¸¥¸¬¸¸]¸ú ˆÅú œ¸í\¸¸›¸ˆÅú ¢™›¸¸¿ˆÅ¬¸½‚¸£¿ž¸ˆÅ£ˆ½Å4¢÷¸Ÿ¸¸¢í¡¸¸ÊŸ¸Ê]¸¸¥¸¬¸¸]¸úˆ½ÅŸ¸¸Ÿ¸¥¸¸Êˆ½ÅœÏ¢÷¸œÏ¸¨¸š¸¸›¸ˆÅ¸ œ¸¢£©¸¸½š¸›¸ ˆÅ£›¸½ ˆÅú‚›¸ºŸ¸¢÷¸ í¾‚¸¾£ ]¸í¸¿ œÏ¸¨¸š¸¸›¸ ™¸½‚¥¸Š¸‚¥¸Š¸ ¢¨¸î¸ú¡¸¨¸«¸¸½ô Ÿ¸Ê ¢ˆÅ‡ Š¸‡í¸Ê ¨¸í¸¿ œÏ¸¨¸š¸¸›¸ ›¸ ˆÅú Š¸ƒÄ £¸¢©¸ ¬¸¿¤¸¿¢š¸÷¸ ¨¸«¸Ä ˆÅú ¬¸Ÿ¸¸¦œ÷¸ œ¸£ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆ½Å ¢™›¸¸¿ˆÅ 18.04.2016 ˆ½Å œ¸¢£œ¸°¸ ÇÅ.”ú¤¸ú‚¸£.ÇÅ.¤¸úœ¸ú. ¤¸ú¬¸ú.92/21.04.048/2015-16×¸£¸£¸]¸¬¨¸‚¸£¢®¸÷¸úˆÅ¸½ œÏž¸¸¢£÷¸ˆÅú]¸¸›¸úí¾.


31.03.2017ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä÷¸ˆÅ(Ÿ¸¸Ÿ¸¥¸¸ÊˆÅú¬¸¿‰¡¸¸)

31.03.2017 ˆÅ¸½¬¸Ÿ¸¸œ÷¸ ¢÷¸Ÿ¸¸íú ˆ½Å™¸¾£¸›¸(Ÿ¸¸Ÿ¸¥¸¸ÊˆÅú¬¸¿‰¡¸¸)

31.03.2017 ˆÅ¸½¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ÷¸ˆÅ(£¸¢©¸)

31.03.2017ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸¢÷¸Ÿ¸¸íú ˆ½Å™¸¾£¸›¸(£¸¢©¸)

31.03.2017ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Äˆ½Å ™¸¾£¸›¸ ¢ˆÅ‡Š¸‡œÏ¸¨¸š¸¸›¸ˆÅúŸ¸¸°¸¸(£¸¢©¸)

31.03.2017 ˆÅ¸½¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆÅ¸½ £¸]¸¬¨¸‚¸£¢®¸÷¸ú ˆÅ¸½ ›¸¸Ÿ¸½œ¸¢£©¸¸½¢š¸÷¸ œÏ¸¨¸š¸¸›¸ ˆÅúŸ¸¸°¸¸(£¸¢©¸)

3893 281 2041.46 35.98 303.76 ©¸»›¡¸

¤¸ÿˆÅ›¸½¨¸«¸Ä2015-16ˆ½Å™¸¾£¸›¸œ¸¸‡Š¸‡š¸¸½‰¸¸š¸”õúˆ½Å¬¸¿¤¸¿š¸Ÿ¸Ê³Å.54.21ˆÅ£¸½”õˆÅ¸‚œ¸¢£©¸¸½¢š¸÷¸œÏ¸¨¸š¸¸›¸¢ˆÅ¡¸¸í¾‚¸¾£31.03.2016ˆÅ¸½¬¸Ÿ¸¸œ÷¸2016-17¨¸«¸Äˆ½Å™¸¾£¸›¸œ¸¢£©¸¸½¢š¸÷¸"£¸]¸¬¨¸¢£]¸¨¸Ä"ˆÅ¸½›¸¸Ÿ¸½¢ˆÅ¡¸¸í¾—

¤¸ÿˆÅ›¸½¨¸«¸Ä2016-17ˆ½Å™¸¾£¸›¸œ¸÷¸¸¥¸Š¸½²Å.303.76ˆÅ£¸½”õˆ½Åš¸¸½‰¸¸š¸”õúˆ½Å¢¥¸‡œ¸»µ¸ÄœÏ¸¨¸š¸¸›¸¢ˆÅ¡¸¸í¾‚¸¾£2016-17ˆ½Å™¸¾£¸›¸œ¸÷¸¸¥¸Š¸½š¸¸½‰¸¸š¸”õúˆ½Å¢¥¸‡ˆÅ¸½ƒÄ‚›¸¸¾œ¸\¸¸¢£ˆÅœÏ¸¨¸š¸¸›¸›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾—

12. ¤¸ÿˆÅˆ½Å¢‰¸¥¸¸ûÅ™¸¨¸¸ÊˆÅ¸½¨¸«¸Äˆ½Å‚¿÷¸÷¸ˆÅ†µ¸ˆ½Å³Åœ¸Ÿ¸Ê¬¨¸úˆÅ¸£›¸íú¿¢ˆÅ¡¸¸Š¸¡¸¸í¾

(³Åœ¸¡¸½ˆÅ£¸½”õŸ¸Ê)

ª½µ¸ú 2016-17 2015-16¤¸ˆÅ¸¡¸¸£¸¢©¸ 359.55 633.05œÏ¸¨¸š¸¸›¸ 1.33 0.47

13. ¤¸ÿˆÅ ×¸£¸ ‚¿÷¸£¸Ä«’ïú¡¸ ¢¨¸î¸ú¡¸ ¢£œ¸¸½¢’ôŠ¸ Ÿ¸¸›¸ˆÅ¸Ê (‚¸ƒÄ‡ûÅ‚¸£‡¬¸) ˆ½ÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ¦¬˜¸¢÷¸ ˆÅ¸½ ž¸¸£÷¸ú¡¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (ƒ¿”-‡‡¬¸) ˆ½Å ¬¸¸˜¸¬¸¦ŸŸ¸¢¥¸÷¸ˆÅ£›¸¸

ˆÅ. ¤ ÿ Å› ½¤ ÿ ÅŸ Êƒ¿”-‡‡¬¸ ½ÅœÏž¸¸¨¸ú Å¸¡¸ Ä›¨¸¡¸›¸ ½Å¢¥¸‡¢›¸Ÿ›¸¢¥¸¢‰¸÷¸¬¸¢Ÿ¸¢÷¸¡¸ ¿¤¸›¸¸ƒÄíÿÀ1. ¬¸¿\¸¸¥¸›¸¬¸¢Ÿ¸¢÷¸-ƒ¿”-‡‡¬¸ˆ½ÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸ˆÅúœÏŠ¸¢÷¸ˆÅú¢›¸Š¸£¸›¸úˆÅ£›¸¸

2. ˆÅ¸½£¬¸¢Ÿ¸¢÷¸-¡¸í¬¸º¢›¸¢ä¸÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¢ˆÅ¢ÇÅ¡¸¸›¨¸¡¸›¸ˆÅúœÏ¢ÇÅ¡¸¸ˆÅ¸¬¸¿\¸¸¥¸›¸¬¸¢Ÿ¸¢÷¸ˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢ˆÅ¡¸¸]¸¸÷¸¸í¾—

3. Ÿ¸º‰¡¸¬¸Ÿ¸»í-¨¸¸¬÷¸¢¨¸ˆÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸Š¸¢÷¸¢¨¸¢š¸¡¸¸ÊŸ¸Ê©¸¸¢Ÿ¸¥¸

‰¸. ¤¸ÿˆÅ Ÿ¸Ê ƒ¿”-‡‡¬¸ ˆ½Å ¬¸º\¸¸³Å‚¸¾£ ¬¸Ÿ¸¡¸ œ¸£ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡Ÿ¸½¬¸¬¸Äˆ½Åœ¸ú‡Ÿ¸]¸ú(¢¨¸î¸ú¡¸ œ¸£¸Ÿ¸©¸ÄûÅŸ¸Ä)ˆÅ¸½¬¸¥¸¸íˆÅ¸£ˆ½Å³Åœ¸Ÿ¸Ê ¢›¸¡¸ºÆ÷¸ ¢ˆÅ¡¸¸Š¸¡¸¸í¾—

Š¸. ]¸»›¸2016¬¸½Ÿ¸¸\¸Ä2017ˆÅú‚¨¸¢š¸ˆ½Å™¸¾£¸›¸,ƒ¿”-‡‡¬¸ˆ½ÅˆÅ¸¡¸¸Ä›¨¸¡¸›¸Ÿ¸ÊŸ¸ºÓ¸Ê‚¸¾£\¸º›¸¸¾¢÷¸¡¸¸Êœ¸£\¸\¸¸ÄˆÅ£›¸½ˆ½Å¢¥¸‡‚¸¾£”½’¸‚¿÷¸£‚¸¾£‰¸¸¢Ÿ¸¡¸¸ÊˆÅ¸½™»£ˆÅ£›¸½ˆ½Å„œ¸¸¡¸¸ÊˆÅ¸œ¸÷¸¸¥¸Š¸¸›¸½ˆ½Å¢¥¸‡Ÿ¸º‰¡¸¬¸Ÿ¸»í‚¸¾£Ÿ¸º‰¡¸¬¸¢Ÿ¸¢÷¸¡¸¸Êˆ½Å¬¸™¬¡¸¸ÊˆÅú23¤¸¾“ˆÊÅ‚¸¡¸¸½¢]¸÷¸ˆÅúŠ¸ƒô—

‹¸. ¢£{¸¨¸Ä¤¸ÿˆÅˆ½Å¢™©¸¸¢›¸™½Ä©¸œÏ¸³Åœ¸ˆ½Å‚›¸º¬¸¸£¢¬¸÷¸¿¤¸£2016ˆÅ¸½¬¸Ÿ¸¸œ÷¸ŽŸ¸¸íúˆ½Å¢¥¸‡¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸¸Ê Å¸½¬¸¥¸¸íˆÅ¸£ ÅúŸ¸™™¬¸½÷¸¾¡¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾‚¸¾£‚¸£¤¸ú‚¸ƒÄˆÅ¸½œÏ¬÷¸º÷¸¢ˆÅ¡¸¸Š¸¡¸¸í¾—

10.13 Accounting Standard 28- Impairment of Assets

Bankhasidentifiedthatthereisnoimpairmentoffixedassetsandassuch,noprovisionisrequiredasperAS-28.

10.14 Accounting Standard 29- Provisions, Contingent Liabilities and Contingent Assets

In the opinion of themanagement, no further provision is requiredagainstcontingentliabilitiesreferredtoinSchedule12.

11 Provision for fraud cases in loans and advances:

In termsofRBIguidelines, thebanksarepermitted toamortise theprovisiontowardsfraudcasesinfourquartersbeginningfromthedateofdetectionoffraudandwheretheprovisionismadeintwodifferentfinancialyears,theunprovidedamounthastobechargedtoRevenueReserve vide RBI circular DBR. No. BP.BC.92/21.04.048/2015-16dated18.04.2016asontherelevantyearend.

(Rs.incrores)

Uptotheyearended31.03.2017(No.ofCases)

Duringthequarterended

31.03.2017(No.ofCases)

Uptotheyearended31.03.2017(Amount)

Duringthequarterending

31.03.2017(Amount)

Quantumofprovision

madeduringtheyearended31.03.2017(Amount)

Quantumofamortisedprovisiondebitedto“RevenueReserves”asatthe

yearended31.03.2017(Amount)

3893 281 2041.46 35.98 303.76 Nil

TheBankhadunamortisedprovisionofRs.54.21crores inrespectoffraudsdetectedduringtheyear2015-16anddebitedto“RevenueReserve” as at year ended 31.03.2016 which the Bank amortisedduringtheyear2016-17During the year 2016-17, the Bank hasmade full provision for thefraudsofRs.303.76croresdetectedduringtheyearandthereisnoun-amortiseprovisionforfraudsdetectedduring2016-1712 Claims against the bank not acknowledged as debts as on

Year End(RsinCrores)

Category 2016-17 2015-16BalanceOutstanding 359.55 633.05ProvisionHeld 1.33 0.47

13 Status of implementation of International Financial Reporting Standards (IFRS) converged with Indian Accounting Standards (Ind-AS) by Bank.

A. The Bank has formed following committees for effectiveimplementationofInd-ASinBank:

1 SteeringCommittee–TooverseetheprogressofimplementationofInd-AS

2 CoreCommittee–ToensurethattheprocessofimplementationiscarriedoutasperdirectionsoftheSteeringCommittee.

3 CoreGroup–Engagedintheactualimplementationactivities.B. M/sKPMG(financialconsultancyfirm)hasbeenappointedas

Consultanttoensuresmooth&timelyimplementationofInd-ASintheBank.

C. DuringtheperiodfromJune2016toMarch2017,23meetingsofmembersofCoreGroup&CoreCommitteeshavebeenheldtodiscussissues&challengesinimplementationofInd-AS,alsotoascertainthedatagapsandmeasurestobetakenforbridgingthosegaps.

D. AsperRBIdirectivesproformafinancialstatementsforthehalfyearendedSeptember2016hasbeenpreparedwiththehelpofconsultantandsubmittedtoRBI.


92

Œ. ‚¸£¤¸ú‚¸ƒÄˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£,¤¸¸½”ÄˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸×¸£¸Ÿ¸¸¢¬¸ˆÅœÏŠ¸¢÷¸ ¦¬˜¸¢÷¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾‚¸¾£ œÏŠ¸¢÷¸ ˆÅú ¦¬˜¸¢÷¸ ¤¸¸½”Ä ˆ½Å ¬¸Ÿ¸®¸¢÷¸Ÿ¸¸íú‚¸š¸¸£œ¸£ˆÅú]¸¸÷¸úí¾—

\¸. ¤¸¸½”ÄˆÅú¥¸½‰¸¸œ¸£ú®¸¸¬¸¢Ÿ¸¢÷¸ˆ½Å¢™©¸¸¢›¸™½Ä©¸¸Êˆ½Å‚›¸º¬¸¸£¢ÇÅ¡¸¸›¨¸¡¸›¸ˆÅúœÏ¢ÇÅ¡¸¸ˆÅ¸½¤¸½í÷¸£¬¸Ÿ¸^¸›¸½‚¸¾£¢›¸‰¸¸£›¸½ˆ½Å¢¥¸‡¢¨¸î¸ú¡¸¢¨¸¨¸£µ¸œÏ¸½ûÅ¸Ÿ¸¸ÄˆÅ¸½¢™¬¸¿¤¸£2016ˆÅ¸½¬¸Ÿ¸¸œ÷¸›¸¸¾Ÿ¸íú›¸¸Êˆ½Å¢¥¸‡÷¸¾¡¸¸£¢ˆÅ¡¸¸Š¸¡¸¸í¾—

Ž. ¢¨¸î¸ú¡¸¬¸¥¸¸íˆÅ¸£×¸£¸›¸ú¢÷¸¡¸¸Ê,œÏ¢ÇÅ¡¸¸‚¸Ê‚¸¾£œÏµ¸¸¢¥¸¡¸¸ÊŸ¸ÊˆÅŸ¸ú¬¸¢í÷¸›¸¾™¸¢›¸ˆÅ‚š¡¸¡¸›¸ ¢£œ¸¸½’Ä‚¸¾£ œÏŸ¸º‰¸®¸½°¸¸Ê œ¸£ œ¸”õ›¸½¨¸¸¥¸½ œÏž¸¸¨¸ˆÅ¸½ ÷¸¾¡¸¸£ ¢ˆÅ¡¸¸ Š¸¡¸¸í¾—œÏž¸¸¨¸úˆÅ¸¡¸¸Ä›¨¸¡¸›¸ˆ½Å¢¥¸‡‚¸¨¸©¡¸ˆÅœ¸¢£¨¸÷¸Ä›¸ˆÅú©¸º³Å¨¸¸÷¸ˆÅ£›¸½ˆ½Å¢¥¸‡¢£œ¸¸½’ÄˆÅ¸Ÿ¸»¥¡¸¸¿ˆÅ›¸]¸¸£úí¾—

14. \¸¸¥¸»¨¸«¸Äˆ½Å‚¸¿ˆÅ”õ¸Ê¬¸½÷¸º¥¸›¸ú¡¸¤¸›¸¸›¸½í½÷¸º]¸í¸¿‚¸¨¸©¡¸ˆÅ¬¸Ÿ¸^¸¸Š¸¡¸¸¨¸í¸¿¢œ¸Ž¥¸½¨¸«¸Äˆ½Å‚¸¿ˆÅ”õ¸ÊˆÅ¸½¬¸Ÿ¸»í¤¸š™/œ¸º›¸À¨¸Š¸úÄˆ¼Å÷¸¢ˆÅ¡¸¸Š¸¡¸¸.

E. As per RBI guidelines, monthly progress status has beenappraised to theAudit committee of the Board and status ofprogressisreportedtoBoardonquarterlybasis.

F. As directed by the Audit Committee of the Board, proformafinancialstatementsfortheninemonthsendedDecember2016hasbeenprepared for better understandingand smootheningtheprocessofimplementation.

G. Thediagnosticstudyreportcoveringgapsinpolicies,proceduresandsystemsandimpactsonkeyareashasbeenpreparedbyfinancialconsultant.Evaluationofthereportsisunderprogresstoinitiatenecessarychangesforeffectiveimplementation.

14. Previous year’s figures have been regrouped / reclassifiedwhereverconsiderednecessarytomakethemcomparablewithcurrentyear’sfigures.

93


31 cee®e& 2017 keÀes meceehle Je<e& kesÀ efueS vekeÀoer he´Jeen keÀe efJeJejCe Statement of Cash Flow for the Year Ended 31st March 2017

(` npeej ceW) (ìnThousand)

efJeJejCe Particulars 31.03.2017 keÀes meceehle Je<e& Year Ended 31.03.2017

31.03.2016 keÀes meceehle Je<e& YearEnded31.03.2016

keÀ.A.

heefj®eeueve ieefleefJeefOe³eeW mes vekeÀoer he´Jeen Cash Flow From Operating Activities:Dee³e IncomeJe<e& kesÀ oewjeve Deefieće, efveJesMe Fl³eeefo mes heéhle y³eepe Interestreceivedduringtheyearfromadvances,Investmentsetc. 12061,95,97 13052,98,57Dev³e Dee³e OtherIncome 1508,07,46 13570,03,43 1019,28,97 14072,27,54IeìeSb:J³e³e Je heéJeOeeve Less: Expenditure & ProvisionsJe<e& kesÀ oewjeve pecee Je GOeejer hej Yegieleeve efkeÀ³ee y³eepe InterestPaidduringtheyearonDepositsandBorrowings 8887,27,12 9174,28,93

heefj®eeueve J³e³e OperatingExpenses 2855,69,51 2552,80,93heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb Provisions&Contingencies 3199,57,60 14942,54,23 2244,49,20 13971,59,06J³e³e kesÀ …hej Dee³e DeefOekeÀ nesves kesÀ keÀejCe vekeÀoer ceW efveJeue Je=ef× Net Increase in Cash due to Increase of Income over Expenses -1372,50,80 100,68,48peesæ[s:iewj vekeÀoer ceoW SJeb Deueie efJe®eeefjle ceoW Add : Non Cash Items & Items Considered Separately heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb Provisions&Contingencies 3199,57,60 2244,49,20 De®eue mebheefÊe³eeW nsleg cetu³eÝeme DepreciationonFixedAssets 117,61,78 149,19,72 De®eue mebheefÊe kesÀ efJe¬eÀ³e hej ueeYe/neefve Profit/LossonsaleofFixedAssets 13,55 18,07 Dee³ekeÀj ceebie hej y³eepe InterestonIncomeTaxdemandjepemJe Deejef#eefle efveefOe ceW Je=ef×Additiontoreservereserve

-

54,21,28

-

-

yeeb[, heermeerheerSme Je DeeF&heer[erDeeF&hej y³eepe InterestonBonds,PCPSandIPDI

502,49,08

3874,03,29

478,33,70

2872,20,69

2501,52,49 2972,89,17IeìeSb: heóÊe he´l³e#e keÀj (efveJeue) Less: Direct Taxes Paid (Net) 508,10,00 439,00,00heefj®eeueve mes Dee|pele vekeÀo ueeYe Cash Profit Generated From Operations

(I) 1993,42,49

2533,89,17

heefj®eeueveiele os³eleeDeeW keÀer Je=ef×/(keÀceer) : Increase / (Decrease) of Operating Liabilities: peceejeefMe³eeb Deposits 63,02,01 16870,87,53 yeeb[ GOeeefj³eeW kesÀ DeueeJee Dev³e GOeeefj³eeb BorrowingsexcludingBondborrowings -1216,45,08 -1898,62,16

Dev³e os³eleeSb Je heéJeOeeve OtherLiabilities&Provision -2696,86,83 -2950,48,41heefj®eeueveiele os³eleeDeeW ceW kegÀue Je=ef× Total of Increase of Operating Liabilities -3850,29,90 12021,76,96IeìeSb:heefj®eeueve Deeeqmle³eeW keÀer Je=ef×/(keÀceer) Less: Increase / (Decrease) of Operating Assets efveJesMe Investments 2359,31,24 3465,86,64 Deefieće Advances -12047,44,07 8963,57,08 Dev³e Deeeqmle³eeb OtherAssets 333,14,91 -759,18,23kegÀue heefj®eeueve Deeeqmle³eeW keÀer kegÀue Je=ef×Total of Increase of Operating Assets -9354,97,92 11670,25,49heefj®eeueveiele Deeeqmle³eeW hej heefj®eeueveiele os³eleeDeeW ceW efveJeue Je=ef× NetIncreaseOfOperatingLiabilitiesOverOperatingAssets

(II)5504,68,02 351,51,47

heefj®eeueve ieefleefJeefOe³eeW mes vekeÀoer he´Jeen CashFlowFromOperatingActivities

(keÀ (A) = I+II)7498,10,51 2885,40,64

‰¸ B.

efveJesMe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen Cash Flow From Investing ActivitiesDe®eue mebheefÊe³eeW keÀe efJe¬eÀ³e SaleofFixedAssets 4,00,80 6,07,42De®eue mebheefÊe³eeW keÀe ¬eÀ³e PurchaseofFixedAssets -102,75,03 -138,04,84men³eesieer heéfleÿeve ceW efveJesMe InvestmentmadeinAssociates - -

efveJesMe ieefleefJeefOe³eeW mes efveJeue vekeÀoer he´Jeen Net Cash Flow From Investing Activities

(Ke) (B)

-98,74,23 -131,97,42


94

ie C.

efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀoer he´JeenCash Flow From Financing Activities:i) ieewCe yeeb[es keÀes peejer /(cees®eve) keÀjvee

Issue/(Redemption)ofBonds125,00,00 -

ii) F&eqkeÌJeìer SJeb heerSvemeerheerSme hej ueeYeebMe DividendonEquity&PNCPS

- -85,05,46

iii) ueeYeebMe efJelejCe keÀj DividendDistributionTax - -17,00,59iv) yeeb[, heermeerheerSme Je DeeF&heer[erDeeF& hej y³eepe

InterestonBonds,PCPSandIPDI-502,49,08 -478,33,70

v) Mes³ej heérefce³ece meefnle F&eqkeÌJeìer Mes³ejeW keÀes peejer keÀjvee IssueofEquitySharesincludingsharepremium

300,00,00 394,00,00

efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen (ie) Cash Flow From Financing Activities (C)

-77,49,08 -186,39,75

Je<e& kesÀ oewjeve kegÀue vekeÀoer he´Jeen Total Cash Flow During The Year

(keÀ+Ke+ie) (A+B+C)

7321,87,20 2567,03,47

(` npeej ceW) (ìnThousand)

y³eesjs Particulars 31.03.2017 keÀes meceehle Je<e& Year Ended 31-03-2017

31.03.2016 keÀes meceehle Je<e& YearEnded31-03-2016

Üeje HeéfleefveefOelJe- RepresentedBy-Je<e& kesÀ DeejbYe ceW vekeÀoer Je vekeÀoer kesÀ mecelegu³e Cash and Cash equivalents at the beginning of the yearYeejleer³e efj]peJe& yeQkeÀ kesÀ Heeme vekeÀoer Je DeefOeMes<e Cash&BalancewithRBI 8382,28,66 6652,74,93yeQkeÀeW kesÀ Heeme Mes<e, ceebie Je DeuHe veesefìme Hej HeéH³e Oeve BalanceswithBanks&MoneyatCall&Shortnotice 937,86,23 100,36,49

9320,14,89 6753,11,42Je<e& kesÀ Deble ceW vekeÀoer Je vekeÀoer kesÀ mecelegu³e Cash and Cash equivalents at the end of the yearYeejleer³e efj]peJe& yeQkeÀ kesÀ Heeme vekeÀoer Je DeefOeMes<e Cash&BalanceswithRBI 15274,71,92 8382,28,66yeQkeÀeW kesÀ Heeme Mes<e, ceebie Je DeuHe veesefìme Hej HeéH³e Oeve Balancewithbanks&moneyatcall&Shortnotice 1367,30,17 937,86,23

16642,02,09 9320,14,89Je<e& kesÀ oewjeve kegÀue vekeÀoer He´Jeen Total Cash Flow During The Year 7321,87,20 2567,03,47


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‰¸. ¬¸Ÿ¸½¢ˆÅ÷¸ í¸¢›¸ ¥¸½‰¸¸ ‚¸¾£ „¬¸ œ¸£ ˆÅú Š¸¡¸ú ¢’œœ¸¢µ¸¡¸¸Ê ˆ½Å ¬¸¸˜¸ œ¸¢“÷¸,

INDEPENDENT AUDITOR’S REPORTTo,MembersofBankofMaharashtra1. Report on Financial Statements: We have audited the accompanying Financial Statements of

BankofMaharashtraasat31stMarch2017whichcomprisetheBalanceSheetasat31stMarch2017ProfitandLossAccountandtheCashFlowStatementfortheyearendedandasum-maryofsignificantaccountingpoliciesandNotesonAccounts.Incorporated in these financial statements the return of 20branches,andalsoTreasury&InternationalBankingDivision,auditedbyusand962branchesauditedbybranchauditors&19branchesbyconcurrentauditors.

ThebranchesauditedbyusandthoseauditedbyotherauditorshavebeenselectedbytheBankinaccordancewiththeguide-linesissuedtotheBankbytheReserveBankofIndia.Alsoin-corporatedintheBalanceSheetandProfit&Lossaccountandthereturnfrom938brancheswhichhavenotbeensubjectedtoaudit.Theseunauditedbranchesaccountfor6.03% percentoftheadvances,23.83%percentofdeposits,8.51%percentofinterestincomeand22.12%percentofinterestexpenses.

2. Management’s responsibility for the Financial Statements: ManagementisresponsibleforthepreparationoftheseFinan-

cialStatementsinaccordancewiththeBankingRegulationAct1949,complyingwithReserveBankofIndiaGuidelinesissuedfromtimetotime.Thisresponsibilityincludesthedesignimple-mentationandmaintenanceof internalcontrol relevant to thepreparationofthefinancialstatementsthatarefreefrommate-rialmisstatement,whetherduetofraudorerror.

3. Auditors’ Responsibility: Our responsibility is to expressanopinionon these financial

statementsbasedonouraudit.Weconductedourauditinac-cordancewiththeStandardsonAuditingissuedbytheInstituteof CharteredAccountants of India. Those Standards requirethatwecomplywithethicalrequirementandplanandperformtheaudittoobtainreasonableassuranceaboutwhetherthefi-nancialstatementsarefreefrommaterialmisstatement.

4. Anauditinvolvesperformingproceduretoobtainauditevidenceabouttheamountanddisclosuresinthefinancialstatements.Theprocedureselecteddependsontheauditors’judgment,in-cludingtheassessmentoftheriskofmaterialmisstatementofthefinancialstatement,whetherduetofraudorerror.Inmakingthoseriskassessments, theauditorconsiders internalcontrolrelevanttotheentity’spreparationandfairpresentationofthefinancialstatementsinordertodesignauditprocedurethatareappropriateinthecircumstancesbutnotforthepurposeofex-ercisinganopinionontheeffectivenessoftheentity’sinternalcontrol.Anauditalsoincludesevaluatingtheappropriatenessofaccountingpoliciesusedandthereasonablenessoftheac-countingestimatesmadebymanagementaswellasevaluatingtheoverallpresentationofthefinancialstatements.

5. Webelieve that the audit evidencewe have obtained is suf-ficientandappropriatetoprovideabasisforourAuditopinion.

6. Opinion: Inouropinion,asshownbybooksofbank,andtothebestof

ourinformationandaccordingtotheexplanationgiventous,weherebyreportthat:a. TheBalanceSheetreadwiththenotesthereonisafull

andfairBalanceSheetcontainingallthenecessarypar-ticularsisproperlydrawnupsoastoexhibitatrueandfairviewofthestateoftheaffairsoftheBankasat31stMarch2017inconformitywithaccountingprinciplesgen-erallyacceptedinIndia.

b. Profit and loss Account, read with the notes thereonshowsatruebalanceofloss,inconformitywithaccount-


96

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]¸¸½¬œ¸«’úˆÅ£µ¸¨¸¬¸»\¸›¸¸‡¿‚¸¨¸©¡¸ˆÅ˜¸ú¿,¨¸ííŸ¸›¸½œÏ¸œ÷¸ˆÅú¿‚¸¾£„›íÊ¬¸¿÷¸¸½«¸]¸›¸ˆÅœ¸¸¡¸¸.

‰¸) ¤¸ÿˆÅˆ½Å¬¸¿¨¡¸¨¸í¸£]¸¸½íŸ¸¸£½ š¡¸¸›¸Ÿ¸Ê‚¸‡íÿ,¨¸í¤¸ÿˆÅˆ½Å‚¢š¸ˆÅ¸£¸Êˆ½Åž¸ú÷¸£íÿ.

Š¸) ¤¸ÿˆÅˆ½ÅˆÅ¸¡¸¸Ä¥¸¡¸¸Ê¨¸©¸¸‰¸¸‚¸Ê¬¸½œÏ¸œ÷¸¢¨¸¨¸£¢µ¸¡¸¸¿íŸ¸¸£½¥¸½‰¸¸œ¸£ú®¸¸ˆ½ÅœÏ¡¸¸½]¸›¸í½÷¸ºœ¸¡¸¸Äœ÷¸œ¸¸¡¸úŠ¸ƒô.

10. íŸ¸¡¸íž¸ú¢£œ¸¸½’ÄˆÅ£÷¸½íÿ¢ˆÅ1) ƒ¬¸ ¢£œ¸¸½’Ä ×¸£¸ ¬¸¿\¸¢¥¸÷¸ ÷¸º¥¸›¸œ¸°¸‚¸¾£ ¥¸¸ž¸ í¸¢›¸ ‰¸¸÷¸¸, ¢¨¸¨¸£¢µ¸¡¸¸Ê

‚¸¾£¥¸½‰¸¸¤¸¢í¡¸¸Êˆ½Å‚›¸º¬¸£µ¸Ÿ¸Êí¾.2) ¤¸ÿ¢ˆ¿ÅŠ¸ ¢¨¸¢›¸¡¸Ÿ¸›¸‚¢š¸¢›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 29 ˆ½Å‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆ½Å

©¸¸‰¸¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ×¸£¸¥¸½‰¸¸ œ¸£ú¢®¸÷¸©¸¸‰¸¸, ˆÅ¸¡¸¸Ä¥¸¡¸¸Ê ˆ½Å‰¸¸÷¸¸Êœ¸£¢£œ¸¸½’ÄíŸ¸Êž¸½]¸úŠ¸ƒÄí¾‚¸¾£ƒ¬¸¢£œ¸¸½’ÄˆÅ¸½÷¸¾¡¸¸£ˆÅ£›¸½Ÿ¸ÊíŸ¸¸£½×¸£¸„¬¸ˆÅ¸¬¸Ÿ¸º¢\¸÷¸„œ¸¡¸¸½Š¸¢ˆÅ¡¸¸Š¸¡¸¸í¾.

3) íŸ¸¸£ú£¸¡¸Ÿ¸Ê÷¸º¥¸›¸œ¸°¸,¥¸¸ž¸í¸¢›¸‰¸¸÷¸¸¨¸›¸ˆÅ™úœÏ¨¸¸í¢¨¸¨¸£µ¸¥¸¸Š¸»¥¸½‰¸¸Ÿ¸¸›¸ˆÅ¸Êˆ½Å‚›¸º³Åœ¸íÿ.

ing principles generally accepted in India, for the yearcoveredbytheaccount;and

c. TheCashFlowStatementgivesatrueandfairviewofthecashflowsfortheyearendedonthatdate.

7. Emphasis of Matter:(a) Notenumber 4.13.1 in schedule18 in respect of clas-

sificationofrestructuredadvancesunderCDR/nonCDRmechanism.

(b) Notenumber10.10inSchedule18ofNotestoAccountstotheFinancialStatementsregardingrecognitionofDe-ferredTaxAssetsonaccountofprovisionsforBadandDoubtfulDebts(NPA)amountingtoRs.761.25crores.

8. Report on Other Legal and Regulatory Requirements: TheBalanceSheetandtheProfitandLossAccounthavebeen

drawnupinforms“A”and“B”respectivelyofthethirdScheduletotheBankingRegulationAct1949.

9. Subjecttothelimitationoftheauditindicatedinparagraph1to5aboveandas requiredbyBankingCompanies (AcquisitionandTransferofUndertaking)Act1970/1980,andalsosubjecttothelimitationsofdisclosurerequiredthereinwereportthat:a. Wehaveobtainedall the informationandexplanations

whichtothebestofourknowledgeandbeliefwerenec-essaryforthepurposeoftheauditandhavefoundthemtobesatisfactory.

b. The transactions of the bankwhich have come to ournoticehavebeenwithinthepowersoftheBank.

c. ThereturnsreceivedfromtheofficesandbranchesoftheBankhavebeenfoundadequateforthepurposeofouraudit.

10. We further report that;a. The Balance Sheet and Profit and Loss account dealt

with by this report are in agreementwith the books ofaccountandreturns;

b. Thereportsontheaccountsofthebranchofficesauditedbybranchauditorsof theBankundersection29of theBankingRegulationAct,1949havebeensenttousandhavebeenproperlydealtwithbyusinpreparingthisre-port;

c. Inouropinion, theBalanceSheet,ProfitandLossAc-countandCashFlowStatementcomplywith theappli-cableAccountingStandards.


meveoer uesKeekeÀejfor Parakh & Co. FRN:001475C




FRN:110540WCharteredAccountants

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97


mebef#eHle mecesefkeÀle efJeÊeer³e efJeJejCeAbridged Consolidated Financial Statements


98

Devegmet®eer Schedule

31 cee®e& 2017 keÀer efmLeefle kesÀ Devegmeej (®eeuet Je<e&)

As on 31st March 2017 (Current Year)

31 cee®e& 2016 keÀer efmLeefle kesÀ Devegmeej (iele Je<e&)

As on 31st March 2016 (Previous Year)

hetbpeer SJeb oeef³elJe CAPITAL AND LIABILITIES

hetbpeer Capital 1 1168,33,37 1168,33,37

Deejef#eefle³eeb Deewj DeefOeMes<e Reserves & Surplus 2 6300,58,19 7691,78,86

peceejeefMe³eeb Deposits 3 139040,19,93 138979,99,00

GOeeefj³eeb Borrowings 4 8136 ,65 ,21 9228,10,29

Dev³e os³eleeSb SJeb he´eJeOeeve Other Liabilities & Provisions 5 4765,29,75 3960,59,42

peesæ[ TOTAL 159411,06,45 161028,80,94

Deeeqmle³eeb ASSETS

vekeÀoer Deewj Yeejleer³e efjpeJe& yeQkeÀ ceW DeefleMes<e Cash and Balances with Reserve Bank of India 6 15274,72,19 8382,28,75

yeQkeÀeW ceW Mes<e, ceebie leLee Deuhe met®evee hej ÒeeH³e Oeve Balances with Banks, Money at call & short notice 7 1367,35,95 937,92,14

efveJesMe Investments 8 38677,00,66 36301,73,32

Deefie´ce Advances 9 95515,22,99 107562,67,06

eqmLej Deeeqmle³eeb Fixed Assets 10 1586,08,96 1694,50,83

Dev³e Deeeqmle³eeb Other Assets 11 6990,65,70 6149,68,84

peesæ[ TOTAL 159411,06,45 161028,80,94

DeekeÀeqmcekeÀ os³eleeSb Contingent Liabilities 12 29329,20,74 29971,43,72

Jemetueer nsleg efyeue Bills for Collection 4021,46,55 3756,43,76

cenlJehetCe& uesKee veerefle³eeb Significant accounting policies 17

KeeleeW hej efìhheefCe³eeb Notes on Accounts 18

Devegmetef®e³eeb 1 mes 18 leguevehe$e keÀe DeefYeVe Yeeie nQ. The Schedules 1 to 18 form an integral part of the Accounts.

31cee®e& 2017 keÀer eqmLeefle kesÀ Devegmeej mecesefkeÀle leguevehe$eCONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2017


”¸Á. ‚\¸Ä›¸¸ ‚¸£. š¸¸½¥¸¢ˆÅ¡¸¸ ¢›¸™½©¸ˆÅ

Dr. ARCHANA R. DHOLAKIADirector

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R. THAMODHARANDirector

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P. A. SETHIDirector

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DEENDAYAL AGRAWALDirector

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G. SREEKUMARDirector

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ATEESH SINGHDirector



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EXECUTIVE DIRECTOR


EXECUTIVE DIRECTOR




“‚›¸ºŸ¸÷¡¸ ‚›¸ºœ¸¢¬˜¸¢÷¸ ˆ½Å ˆÅ¸£µ¸ ªú ‚÷¸ú©¸ ¢¬¸¿í ‚¸¾£ ªú ]¸ú. ªúˆºÅŸ¸¸£, (¢›¸™½©¸ˆÅ¸½¿) ›¸½ í¬÷¸¸®¸£ ›¸íì ¢ˆÅ‡.”“Shri Ateesh Singh and Shri G. Sreekumar, (Directors) did not sign since, they were granted leave of absence.”

99


Devegmet®eer

Schedule

31 cee®e& 2017 keÀes meceeHle Je<e& (®eeuet Je<e&)

Year ended 31st March 2017 (Current Year)

31 cee®e& 2016 keÀes meceeHle Je<e& (iele Je<e&)

Year ended 31st March 2016 (Previous Year)

I. Dee³e INCOMEDee|pele y³eepe Interest earned 13 12061,98,03 13053,00,62

men³eesieer mebmLeeDeeW ceW Dee³e/neefve keÀe efnmmee Share of earnings/ loss in Associates 15,96,10 17,09,90

Dev³e Dee³e Other Income 14 1508,85,20 1020,07,25

peesæ[ TOTAL 13586,79,33 14090,17,77II. J³e³e EXPENDITURE

J³e³e efkeÀ³ee ie³ee y³eepe Interest expended 15 8886,32,34 9173,57,07

heefj®eeueve J³e³e Operating Expenses 16 2856,77,91 2553,75,12

he´eJeOeeve Deewj DeekeÀeqmcekeÀleeSb Provisions & contingencies 3199,78,20 2244,67,09

peesæ[ TOTAL 14942,88,45 13971,99,28

ueeYe/neefve PROFIT/LOSS

Je<e& kesÀ efueS mecesefkeÀle efveJeue ueeYe Consolidated Net Profit for the year -1356,09,12 118,18,49

peesæ[s : Deeies uee³ee ie³ee ueeYe Add: Profit brought forward 72,76,43 146,41,60

peesæ[s : efveJesMe Deejef#eefle mes DeenjCe Add: Drawing from Investment Reserve 8,12,29 12,95,89

peesæ[ TOTAL -1275,20,41 277,55,98

efJeefve³eesie APPROPRIATIONSmeebefJeefOekeÀ Deejef#eefle keÀes DeblejCe Transfer to Statutory Reserve __ 29,54,62

hetbpeer Deejef#eefle keÀes DeblejCe Transfer to Capital Reserve 87,25,27 28,83,32

jepemJe Deejef#eefle keÀes DeblejCe Transfer to Goverment Reserve __ 16,10,69

efJeMes<e Deejef#eefle keÀes DeblejCe Transfer to Special Reserve __ 130,00,00

efveJesMe Deejef#eefle keÀes DeblejCe Transfer to Investment Reserve __ __

he´mleeefJele ueeYeebMe (F&eqkeÌJeìer) Proposed dividend (Equity) __ __

ueeYeebMe hej keÀj Tax on Dividend (Subsidary) 41 __

Debleefjce ueeYeebMe Deewj Debleefjce ueeYeebMe hej keÀj Interim Dividend & Tax on Interim Dividend __ 30,92

Mes<e keÀes leguevehe$e ceW Deeies ues pee³ee ie³ee Balance carried over to Balance Sheet -1362,46,09 72,76,43

peesæ[ TOTAL -1275,20,41 277,55,98

he´efle Mes³ej Depe&ve (cetue Je keÀce keÀer ngF&) (`) Earning per share (Basic & Diluted) (Rupees) -11.61 1.06

Ghe³eg&ÊeÀ meboe|Yele Devegmetef®e³eeb ueeYe / neefve KeeleeW kesÀ DeefYeVe Yeeie nQ. The Schedules referred to above form an integral part of the Profit and Loss Account

31 cee®e& 2017 keÀes meceehle Je<e& keÀe mecesefkeÀle ueeYe Je neefve uesKee CONSOLIDATED PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2017


nceejer meceefoveebefkeÀle mebueive efjheesì& kesÀ Devegmeej As per our report of even date attached.







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100

31 cee®e& 2017 keÀes meceehle Je<e& kesÀ efueS mecesefkeÀle vekeÀoer he´Jeen keÀe efJeJejCe Statement of Consolidated Cash Flow for the Year Ended 31st March 2017

(` npeej ceW) (` in Thousand)

efJeJejCe Particulars 31.03.2017 keÀes meceehle Je<e& Year Ended 31-03-2017

31.03.2016 keÀes meceehle Je<e& Year Ended 31-03-2016

A. heefj®eeueve ieefleefJeefOe³eeW mes vekeÀoer he´Jeen Cash Flow From Operating Activities:Dee³e IncomeJe<e& kesÀ oewjeve Deefieće, efveJesMe Fl³eeefo mes heéhle y³eepe Interest received during the year from advances, Investments etc. 12061,98,03 13053,00,62Dev³e Dee³e Other Income 1524,81,30 13586,79,33 1037,17,15 14090,17,77

IeìeSb:J³e³e Je heéJeOeeve Less: Expenditure & ProvisionsJe<e& kesÀ oewjeve pecee Je GOeejer hej Yegieleeve efkeÀ³ee y³eepe Interest Paid during the year on Deposits and Borrowings 8886,32,34 9173,57,07heefj®eeueve J³e³e Operating Expenses 2856,77,91 2553,75,12heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb Provisions & Contingencies 3199,78,20 14942,88,45 2244,67,11 13971,99,30

J³e³e kesÀ …hej Dee³e DeefOekeÀ nesves kesÀ keÀejCe vekeÀoer ceW efveJeue Je=ef× Net Increase in Cash due to Increase of Income over Expenses

-1356,09,12 118,18,47

peesæ[s:iewj vekeÀoer ceoW SJeb Deueie efJe®eeefjle ceoW Add : Non Cash Items & Items Considered Separately heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb Provisions & Contingencies 3199,78,20 2244,67,11

De®eue mebheefÊe³eeW nsleg cetu³eÝeme Depreciation on Fixed Assets 117,89,66 149,24,63

men³eesieer kebÀheefve³eeW ceW Dee³e/neefve keÀe Yeeie Share of Earnings/Loss in associates

-15,96,10 -17,09,90

De®eue mebheefÊe kesÀ efJe¬eÀ³e hej ueeYe/neefve Profit/Loss on sale of Fixed Assets

13,55 10,18

Dee³ekeÀj ceebie hej y³eepe Interest on Income Tax demand jepemJe Deejef#eefle efveefOe ceW Je=ef×Addition to revenue Reserve

-54,21,28 -

yeeb[, heermeerheerSme Je DeeF&heer[erDeeF& hej y³eepe Interest on Bonds, PCPS and IPDI

502,49,08

3858,55,67

478,33,70

2855,25,72

2502,46,55 2973,44,18

IeìeSb: heóÊe he´l³e#e keÀj (efveJeue) Less: Direct Taxes Paid (Net) 508,35,15 439,07,20

heefj®eeueve mes Dee|pele vekeÀo ueeYe Cash Profit Generated From Operations (I)

1994,11,40

2534,36,98heefj®eeueveiele os³eleeDeeW keÀer Je=ef×/(keÀceer) : Increase / (Decrease) of Operating Liabilities: peceejeefMe³eeb Deposits 60,20,93 16869,71,59

yeeb[ GOeeefj³eeW kesÀ DeueeJee Dev³e GOeeefj³eeb Borrowings excluding Bond borrowings

-1216,45,08 -1898,62,16

Dev³e os³eleeSb Je heéJeOeeve Other Liabilities & Provision -2695,08,30 -2930,67,11

heefj®eeueveiele os³eleeDeeW ceW kegÀue Je=ef× Total of Increase of Operating Liabilities -3851,32,45 12040,42,32

IeìeSb:heefj®eeueve Deeeqmle³eeW keÀer Je=ef×/(keÀceer) Less: Increase / (Decrease) of Operating Assets efveJesMe Investments 2359,31,24 3465,86,63

Deefieće Advances -12047,44,07 8963,57,08

Dev³e Deeeqmle³eeb Other Assets 332,61,71 -759,07,34

kegÀue heefj®eeueve Deeeqmle³eeW keÀer kegÀue Je=ef×Total of Increase of Operating Assets

-9355,51,12 11670,36,37

heefj®eeueveiele Deeeqmle³eeW hej heefj®eeueveiele os³eleeDeeW ceW efveJeue Je=ef× Net Increase Of Operating Liabilities Over Operating Assets (II) 5504,18,67 370,05,95

heefj®eeueve ieefleefJeefOe³eeW mes vekeÀoer he´Jeen Cash Flow From Operating Activities (keÀ (A) = I+II) 7498,30,07 2904,42,93

‰¸ B.

efveJesMe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen Cash Flow From Investing Activities

De®eue mebheefÊe³eeW keÀe efJe¬eÀ³e Sale of Fixed Assets 4,00,80 3,79,65

De®eue mebheefÊe³eeW keÀe ¬eÀ³e Purchase of Fixed Assets -102,94,54 -154,79,46

men³eesieer heéfleÿeve ceW efveJesMe Investment made in Associates - -

efveJesMe ieefleefJeefOe³eeW mes efveJeue vekeÀoer he´Jeen Net Cash Flow From Investing Activities

(Ke) (B) -98,93,74 -150,99,81

101


ie C.

efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀoer he´JeenCash Flow From Financing Activities:i) ieewCe yeeb[es keÀes peejer /(cees®eve) keÀjvee

Issue/ (Redemption) of Bonds125,00,00 -

ii) F&eqkeÌJeìer SJeb heerSvemeerheerSme hej ueeYeebMe Dividend on Equity & PNCPS

- -85,05,46

iii) ueeYeebMe efJelejCe keÀj Dividend Distribution Tax - -17,00,59iv) yeeb[, heermeerheerSme Je DeeF&heer[erDeeF& hej y³eepe

Interest on Bonds, PCPS and IPDI -502,49,08 -478,33,70v) Mes³ej heérefce³ece meefnle F&eqkeÌJeìer Mes³ejeW keÀes peejer keÀjvee

Issue of Equity Shares including share premium/share application money 300,00,00 394,00,00efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen (ie) Cash Flow From Financing Activities (C) -77,49,08 -186,39,75Je<e& kesÀ oewjeve kegÀue vekeÀoer he´Jeen Total Cash Flow During The Year

(keÀ+Ke+ie) (A+B+C)

7321,87,25 2567,03,37







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EXECUTIVE DIRECTOR


EXECUTIVE DIRECTOR





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y³eesjs Particulars 31.03.2017 keÀes meceehle Je<e& Year Ended 31-03-2017

31.03.2016 keÀes meceehle Je<e& Year Ended 31-03-2016

Üeje HeéfleefveefOelJe- Represented By-Je<e& kesÀ DeejbYe ceW vekeÀoer Je vekeÀoer kesÀ mecelegu³e Cash and Cash equivalents at the beginning of the yearYeejleer³e efj]peJe& yeQkeÀ kesÀ Heeme vekeÀoer Je DeefOeMes<e Cash & Balance with RBI

8382,28 ,75 6652 ,75 ,05

yeQkeÀeW kesÀ Heeme Mes<e, ceebie Je DeuHe veesefìme Hej HeéH³e Oeve Balances with Banks & Money at Call & Short notice

937,92 ,14 100 ,42 ,47

9320,20 ,89 6753 ,17 ,52Je<e& kesÀ Deble ceW vekeÀoer Je vekeÀoer kesÀ mecelegu³e Cash and Cash equivalents at the end of the yearYeejleer³e efj]peJe& yeQkeÀ kesÀ Heeme vekeÀoer Je DeefOeMes<e Cash & Balances with RBI 15274,72 ,19 8382 ,28 ,75yeQkeÀeW kesÀ Heeme Mes<e, ceebie Je DeuHe veesefìme Hej HeéH³e Oeve Balance with banks & money at call & Short notice

1367,35 ,95 937 ,92 ,14

16642,08 ,14 9320 ,20 ,89

Je<e& kesÀ oewjeve kegÀue vekeÀoer He´Jeen Total Cash Flow During The Year 7321,87 ,25 2567 ,03 ,37


102

INDEPENDENT AUDITOR’S REPORT

To,The Board of Directors of Bank of Maharashtra,

Report on Consolidated Financial Statements.1. We have audited the accompanying Consolidated Financial

Statements of Bank of Maharashtra, its subsidiary and an associate (the Group), which comprise the consolidated Balance Sheet as at 31st March 2017, the Consolidated Profit and Loss Account and the Consolidated Cash Flow Statement for the year ended and a summary of significant accounting policies and other explanatory information.

Incorporated in these consolidated financial statements are the: (a) audited accounts of the bank audited by 4 (Four) Joint Auditors which reflect total assets of Rs. 159323.98 crore as at 31st March 2017, total revenue of Rs. 13570.03 crore, loss of Rs. 1372.51 crore and net cash inflows amounting to Rs. 7321.87 crore for the year ended; audited accounts of one subsidiary, & audited accounts of one associate whose financial statements reflects the group’s share in total assets of Rs. 159411.06 crore as at 31st March 2017, the group’s share in the total revenue of Rs. 13586.79 crore, the group’s share in net cash inflows amounting to Rs. 7321.87 crore. The entities of the group whose financial statements are included in the Consolidated Financial Statements are listed in Schedule 17- Significant Accounting Policies and Notes on Accounts – which forms part of the Consolidated Financial Statements of the Group.

2. We did not audit the financial statements of subsidiary whose financial statement reflect total asset of Rs. 1382.59 lacs as on 31st March 2017, and net profit of Rs. 46.92 lacs for the year ended on that date, and associate whose financial statements reflect the Group share of profit of Rs. 1596.10 lacs for the year ended on that date as considered in consolidated financial statements. These financial statements have been furnished to us and our opinion is so far as it relates to the amounts included in respect of the subsidiary and the associate is based solely on the reports of the other auditors.

3. Management’s Responsibility for the Financial Statements: The Management of the bank is responsible for the operation of these Financial Statements that give a true and fair view of the financial position, financial performance and cash flows of the bank in accordance with the requirements of the ‘Accounting Standard (AS) 21 – Consolidated Financial Statements’ and ‘AS – 23 Accounting for Investment in Associates in Consolidated Financial Statements, issued by the Institute of Chartered Accountants of India and the requirements of the Reserve Bank of India. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements of the Group that are free from material misstatement, whether due to fraud or error.

4. Auditors’ Responsibility: 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 requirement and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

5. An audit involves performing procedure to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditors’ judgment, including the assessment of the risk of material misstatement of the financial statement, whether due to fraud or error. In making those risk assessments, the auditor considers internal control

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1. ¤¸ÿˆÅ ‚¸ÁûÅ Ÿ¸í¸£¸«’ï, „¬¸ˆÅú ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ÷¸˜¸¸ ‡ˆÅ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸ (¬¸Ÿ¸»í) ˆ½Å ¬¸¿¥¸Š›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¢]¸¬¸Ÿ¸Ê 31.03.2017 ˆÅ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸, ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ‚¸¾£ í¸¢›¸ ‰¸¸÷¸¸ ÷¸˜¸¸ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ‚¸¾£ Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸Ê ˆ½Å ¬¸¸£¸¿©¸ ‚¸¾£ ‚›¡¸ ¬œ¸«’úˆÅ£µ¸ ¬¸¿¤¸¿š¸ú ¬¸»\¸›¸¸‡¿ ©¸¸¢Ÿ¸¥¸ íÿ, ˆÅú íŸ¸›¸½ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅú í¾.

ƒ›¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¾ À ˆÅ) 4(\¸¸£) ¬¸¿¡¸ºÆ÷¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ×¸£¸ ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ¤¸ÿˆÅ ½Å ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ‰¸¸÷¸½ ]¸¸½ 31.03.2017 ˆÅ¸½ ²Å.159323.98 ˆÅ£¸½”õ ˆÅú ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿, ²Å.13570.03 ˆÅ£¸½”õ ˆÅ¸ ˆºÅ¥¸ £¸]¸¬¨¸, ²Å.1372.51 ˆÅ£¸½”õ ˆÅú í¸¢›¸ ‚¸¾£ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä ˆ½Å ¢¥¸‡ ²Å.7321.87 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ˆÅ¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ ‚¿÷¸¨¸¸Äí œÏ™¢©¸Ä÷¸ ˆÅ£÷¸½ íÿ. ¬¸¸˜¸ íú, ‡ˆÅ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ‰¸¸÷¸½ ÷¸˜¸¸ ‡ˆÅ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸ ˆ½Å ¥¸½‰¸¸ œ¸£ú¢®¸÷¸ ‰¸¸÷¸½ ¢]¸›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ 31.03.2017 ˆÅ¸½ ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸Ê Ÿ¸Ê ²Å.159411.06 ˆÅ£¸½”õ ˆÅ¸ ¬¸Ÿ¸»í ˆÅ¸ ¢í¬¬¸¸, ˆºÅ¥¸ £¸]¸¬¨¸ Ÿ¸Ê ²Å.13586.79 ˆÅ£¸½”õ ˆÅ¸ ¬¸Ÿ¸»í ˆÅ¸ ‚¿©¸ ÷¸˜¸¸ ¢›¸¨¸¥¸ ›¸ˆÅ™ ‚¿÷¸¨¸¸Äí Ÿ¸Ê ²Å.7321.87 ˆÅ£¸½”õ ˆÅú £¸¢©¸ ˆÅ¸ ¬¸Ÿ¸»í ˆÅ¸ ¢í¬¬¸¸ œÏ™¢©¸Ä÷¸ ˆÅ£÷¸½ íÿ. ¬¸Ÿ¸»í ˆÅú ƒˆÅ¸ƒÄ¡¸¸Ê ¢]¸›¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ©¸¸¢Ÿ¸¥¸ í¾ ‚›¸º¬¸»\¸ú 17 - Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¢÷¸¡¸¸Ê ‚¸¾£ ‰¸¸÷¸¸Ê œ¸£ ¢’œœ¸¢µ¸¡¸¸Ê Ÿ¸Ê ¬¸»\¸ú¤¸Ö í¾ ]¸¸½ ¬¸Ÿ¸»í ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸ ¢í¬¬¸¸ í¾.

2. íŸ¸›¸½ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ›¸íú¿ ˆÅú í¾ ¢]¸¬¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê ¢™›¸¸¿ˆÅ 31.03.2017 ˆÅ¸½ ²Å.1382.59 ¥¸¸‰¸ ˆ½Å ˆºÅ¥¸ ‚¸¦¬÷¸¡¸¸¿ ÷¸˜¸¸ „¬¸ú ¢™›¸¸¿ˆÅ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ²Å.46.92 ¥¸¸‰¸ ˆÅ¸ ¢›¸¨¸¥¸ ¥¸¸ž¸ ™©¸¸Ä¡¸¸ Š¸¡¸¸ í¾. ¬¸¸˜¸ íú ¬¸í¸¡¸ˆÅ œÏ¢÷¸«“¸›¸¸Ê ˆÅú ž¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ ›¸íú¿ ˆÅú í¾ ¢]¸¬¸ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ Ÿ¸Ê „¬¸ ¢÷¸¢˜¸ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¢¨¸î¸ú¡¸ ¨¸«¸Ä í½÷¸º ]¸¾¬¸¸ ¢ˆÅ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê Ÿ¸¸›¡¸ ¢ˆÅ¡¸¸ í¾, ¬¸Ÿ¸»í ˆ½Å ¥¸¸ž¸ ¢ˆÅ ¢í¬¬¸½ ˆÅ¸½ ²Å.1596.10 ¥¸¸‰¸ ¤¸÷¸¸¡¸¸ Š¸¡¸¸ í¾. ¡¸í ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ íŸ¸Ê œÏ¬÷¸º÷¸ ¢ˆÅ‡ Š¸‡ ‚¸¾£ ƒ¬¸ ¬¸í¸¡¸ˆÅ ˆ¿Åœ¸›¸ú ÷¸˜¸¸ ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ £¸¢©¸¡¸¸Ê ˆÅ¸½ ©¸¸¢Ÿ¸¥¸ ˆÅ£›¸½ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê íŸ¸¸£¸ Ÿ¸÷¸ ˆ½Å¨¸¥¸ ‚›¡¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ×¸£¸ œÏ¬÷¸º÷¸ ˆÅú Š¸ƒÄ ¢£œ¸¸½’¸½ô œ¸£ ‚¸š¸¸¢£÷¸ í¾.

3. ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å ¢¥¸‡ œÏ¤¸¿š¸›¸ ˆÅú ¢]¸ŸŸ¸½™¸£ú À ƒ›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆ½Å œ¸¢£\¸¸¥¸›¸ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ˆÅ¸ œÏ¤¸¿š¸›¸ ¢]¸ŸŸ¸½™¸£ í¾ ]¸¸½ ž¸¸£÷¸ú¡¸ ¢£{¸¨¸Ä ¤¸ÿˆÅ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ‚¸¾£ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ×¸£¸ ]¸¸£ú `‡‡¬¸ 23 - ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê ¬¸í¡¸¸½Š¸ú ¬¸¿¬˜¸¸ Ÿ¸Ê ¢›¸¨¸½©¸ ˆ½Å ¢¥¸‡ ¥¸½‰¸¸¿ˆÅ›¸ ÷¸˜¸¸ `¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ (‡‡¬¸) 21 - ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸’ Åú ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¤¸ÿˆÅ Åú ¢¨¸î¸ú¡¸ ¦¬˜¸¢÷¸, ¢¨¸î¸ú¡¸ ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ‚¸¾£ ›¸ˆÅ™ú œÏ¨¸¸í ˆÅ¸ ¬¸íú ‚¸¾£ „¢\¸÷¸ ´¦«’ˆÅ¸½µ¸ œÏ™¸›¸ ˆÅ£÷¸¸ í¾. ƒ¬¸ ¢]¸ŸŸ¸½™¸£ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¬¸Ÿ¸»í ˆ½Å ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆÅ¸ [¸¿\¸¸, ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ‚¸¾£ £‰¸£‰¸¸¨¸ ©¸¸¢Ÿ¸¥¸ í¾ ]¸¸½ ¢ˆÅ š¸¸½‰¸¸š¸”õú ‚˜¸¨¸¸ Š¸¥¸÷¸ú ¬¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê í¸½›¸½¨¸¸¥¸ú \¸»ˆÅ ¬¸½ Ÿ¸ºÆ÷¸ £í÷¸½ íÿ.

4. ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ˆÅú ¢]¸ŸŸ¸½™¸£ú À íŸ¸¸£ú ¢]¸ŸŸ¸½™¸£ú ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ ½Å ‚¸š¸¸£ œ¸£ ‚¢ž¸Ÿ¸÷¸ ¡¸Æ÷¸ Å£›¸¸ í¾. íŸ¸ ž¸¸£÷¸ú¡¸ ¬¸›¸™ú ¥¸½‰¸¸ˆÅ¸£ ¬¸¿¬˜¸¸›¸ ×¸£¸ ]¸¸£ú ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸¸›¸ˆÅ¸Ê ½Å ‚¸š¸¸£ œ¸£ ‚œ¸›¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ Å£÷¸½ íÿ— ƒ›¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸Ê ½Å ‚›¸º¬¸¸£ íŸ¸Ê ›¸¾¢÷¸ˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸Ê Å¸ œ¸¸¥¸›¸ ˆÅ£›¸¸ í¸½÷¸¸ í¾ ‚¸¾£ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅú ¡¸¸½]¸›¸¸ ÷¸¾¡¸¸£ ˆÅ£ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅ¸ ¢›¸«œ¸¸™›¸ ˆÅ£›¸¸ í¸½÷¸¸ í¾ ÷¸¸¢ˆÅ „¢\¸÷¸ ³Åœ¸ ¬¸½ ¡¸í ‚¸æ¸¸¬¸›¸ ¢ˆÅ¡¸¸ ]¸¸ ¬¸ˆ½Å ¢ˆÅ Æ¡¸¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ Ÿ¸í÷¨¸œ¸»µ¸Ä ¤¸¡¸¸›¸ú Ÿ¸Ê Š¸¥¸÷¸ú ¬¸½ Ÿ¸ºÆ÷¸ íÿ ¡¸¸ ›¸íú¿.

5. ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê œÏˆÅ’›¸ ‚¸¾£ £ˆÅŸ¸ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ¥¸½‰¸¸ œ¸£ú®¸¸ ¬¸¸®¡¸ œÏ¸œ÷¸ ˆÅ£›¸½ ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ˆÅ¸¡¸Ä¢¨¸¢š¸ ¢›¸«œ¸¸¢™÷¸ ˆÅ£›¸¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½÷¸¸ í¾. ]¸¸¥¸¬¸¸]¸ú ¡¸¸ Š¸¥¸÷¸ú ˆ½Å ˆÅ¸£µ¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Ÿ¸Ê Ÿ¸í÷¨¸œ¸»µ¸Ä Š¸¥¸÷¸ ˆÅ˜¸›¸ ˆ½Å ]¸¸½¢‰¸Ÿ¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½ ¬¸¢í÷¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ ˆ½Å ¢›¸µ¸Ä¡¸ ˆ½Å ‚¸š¸¸£ œ¸£ \¸º›¸ú Š¸ƒÄ ˆÅ¸¡¸Ä¢¨¸¢š¸ ‚¸š¸¸¢£÷¸ í¸½÷¸ú í¾. ¡¸½ ]¸¸½¢‰¸Ÿ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸½

103


relevant to the entity’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 the 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.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for the explanation given to us.

6. In our opinion, as shown by books by bank, and to the best of our information and according to the explanation given to us, the attached financial statements give a true and fair view in conformity with the accounting principles generally accepted in India:

a. In the case of the Consolidated Balance Sheet of the state of the affairs of the Group as at 31st March 2017.

b. In the case of the Consolidated Profit and Loss Account, of the Consolidated Profit of the Group for the year ended on that date; and

c. In the case of the Consolidated Cash Flow Statement, of the cash flows of the Group for the year ended on that date.

7. Emphasis of Matter:a. Note number 4.13.1 in schedule 18 in respect of classification of

restructured advances under CDR/non CDR mechanism.b. Note number 10.10 in Schedule 18 of Notes to Accounts to the

Financial Statements regarding recognition of Deferred Tax Assets on account of provisions for Bad and Doubtful Debts (NPA) amounting to Rs. 761.25 crores.

ˆ½Å ¢¥¸‡ ˆ¿Åœ¸›¸ú ˆÅú ÷¸¾¡¸¸£ú ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸¸Ê ‚¸¾£ œ¸¢£¦¬˜¸¢÷¸ ¢¨¸©¸½«¸ Ÿ¸Ê „¢\¸÷¸ ¥¸½‰¸¸ œ¸£ú®¸¸ Å¸¡¸Ä¢¨¸¢š¸ ÷¸¾¡¸¸£ Å£›¸½ ½Å ¢¥¸‡ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê ˆÅú „¢\¸÷¸ œÏ¬÷¸º¢÷¸ í½÷¸º ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸Ê ×¸£¸ ¢›¸š¸¸Ä¢£÷¸ ¢ˆÅ‡ Š¸‡ íÿ ¢ˆ¿Å÷¸º ƒ¬¸ „Ó½©¡¸ ˆ½Å ¢¥¸‡ ›¸íú¿ ¢ˆÅ ¬¸¿¬˜¸¸ ˆ½Å ‚¸¿÷¸¢£ˆÅ ¢›¸¡¸¿°¸µ¸ ˆÅú œÏž¸¸¨¸©¸ú¥¸÷¸¸ œ¸£ ‚œ¸›¸ú £¸¡¸ ™Ê. „œ¸¡¸¸½Š¸ Ÿ¸Ê ¥¸¸ƒÄ Š¸ƒÄ ›¸ú¢÷¸ ˆÅú „œ¸¡¸ºÆ÷¸÷¸¸ ˆÅ¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ ˆÅ£›¸¸ ‚¸¾£ œÏ¤¸¿š¸›¸ ×¸£¸ ¥¸Š¸¸‡ Š¸‡ ¥¸½‰¸¸ ‚›¸ºŸ¸¸›¸¸Ê ˆÅ¸ ‚¸¾¢\¸÷¡¸ ÷¸˜¸¸ „¬¸ú œÏˆÅ¸£ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸¸Ê Åú ¬¸Ÿ¸ŠÏ œÏ¬÷¸º÷¸úˆÅ£µ¸ Å¸ Ÿ¸»¥¡¸¸¿ˆÅ›¸ Å£›¸¸ ž¸ú ¥¸½‰¸¸ œ¸£ú®¸¸ Ÿ¸Ê ©¸¸¢Ÿ¸¥¸ í¸½÷¸¸ í¾.

íŸ¸Ê ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ íŸ¸¸£½ ×¸£¸ œÏ¸œ÷¸ ¢ˆÅ‡ Š¸‡ ¬¸¸®¡¸, íŸ¸Ê ¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸ ˆ½Å œ¸¡¸¸Äœ÷¸ ‚¸¾£ „¢\¸÷¸ ‚¸š¸¸£ íÿ.

6. íŸ¸¸£ú £¸¡¸ Ÿ¸Ê ¤¸ÿˆÅ ˆÅú ‰¸¸÷¸¸ ¤¸¢í¡¸¸Ê Ÿ¸Ê ™©¸¸Ä‡ ‚›¸º¬¸¸£ ÷¸˜¸¸ íŸ¸¸£ú ª½«“ ]¸¸›¸ˆÅ¸£ú ˆ½Å ‚›¸º¬¸¸£ ‚¸¾£ íŸ¸Ê ¢™‡ Š¸‡ ¬œ¸«’úˆÅ£µ¸ ˆ½Å ‚›¸º¬¸¸£ ¬¸¿¥¸Š›¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸ ž¸¸£÷¸ Ÿ¸Ê ¬¸¸Ÿ¸¸›¡¸ ³Åœ¸ ¬¸½ ¬¨¸úˆÅ¸¡¸Ä ¥¸½‰¸¸ ¢¬¸Ö¸¿÷¸¸Ê ˆ½Å ‚›¸º¬¸£µ¸ Ÿ¸Ê ¬¸÷¡¸ ‚¸¾£ ¬œ¸«’ ¢\¸°¸ œÏ™¸›¸ ˆÅ£÷¸½ íÿ À

ˆÅ. 31 Ÿ¸¸\¸Ä, 2017 ˆÅ¸½ ¬¸Ÿ¸»í ˆ½Å ¨¡¸¨¸í¸£¸Ê ˆ½Å Ÿ¸¸Ÿ¸¥¸½ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ÷¸º¥¸›¸œ¸°¸ ˆÅú ¦¬˜¸¢÷¸ Ÿ¸Ê

‰¸. „Æ÷¸ ¢™›¸¸¿ˆÅ ˆÅ¸½ ¬¸Ÿ¸¸œ÷¸ ¨¸«¸Ä í½÷¸º ¬¸Ÿ¸»í ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ˆ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ¥¸¸ž¸ ¨¸ í¸¢›¸ ‰¸¸÷¸½ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê ‚¸¾£

Š¸. „Æ÷¸ ¢™›¸¸¿ˆÅ Å¸½ ¬¸Ÿ¸¸œ÷¸ ¸«¸Ä í½÷¸º ¬¸Ÿ¸»í ½Å ›¸ˆÅ™ú œÏ¨¸¸í ½Å ¬¸Ÿ¸½¢ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸Ê

7. Ÿ¸¸Ÿ¸¥¸½ œ¸£ ]¸¸½£ À

ˆÅ. ¬¸ú”ú‚¸£/ Š¸¾£-¬¸ú”ú‚¸£ ÷¸¿°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸º›¸Š¸Ä¢“÷¸ ‚¢ŠÏŸ¸¸Ê ˆ½Å ¨¸Š¸úÄˆÅ£µ¸ ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚›¸º¬¸»\¸ú 18 Ÿ¸Ê ¢’œœ¸µ¸ú ÇÅŸ¸¸¿ˆÅ 4.13.1.

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Abridged Annual Report 2016-17 - Bank Of Maharashtra

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Transcript of Abridged Annual Report 2016-17 - Bank Of Maharashtra