¨Áåaq£À ªÀåªÀ¸ÁÜ¥À£Á ¸À«Äw ~¢h$ à~§yz g{ {v · 2016-06-08 · k. s....

¨ÁåAQ£À ªÀåªÀ¸ÁÜ¥À£Á ¸À«Äw ~¢H$ à~§YZ g{_{V Bank’s Management Committee*

±ÀgÀzï ±ÀªÀiÁð ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ

eaX e_m© à~§Y {ZXoeH$

Sharad Sharma Managing Director

JA. ¦. ²æÃzsÀgÀ£ï ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (mÉædj) ªÀÄvÀÄÛ ªÀÄÄRå ºÀtPÁ¸ÀÄ C¢üPÁj

E_. nr. lrYaZ _hm à~§YH$ (Q´>oOar) Ed§ _w.{d.A.

M. P. Sridharan General Manager (Try) & CFO

JA. J. ¸ÀªÀÄzï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (L&J ªÀÄvÀÄÛ ¹¹J¸ïr & ¹¹)

E_. E. g_X _hm à~§YH$ ({Z.& bo.n. Ed§ grgrEgS>r & grgr)

M. A. Samad General Manager (I&A and CCSD & CC)

¸ÀfÃªï PÀÈµÀÚ£ï ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (jÃmÉÊ¯ï ¨ÁåAQAUï)

gOrd H¥$îUZ _w»` _hm à~§YH$ (arQ>ob ~¢qH$J)Sajeev Krishnan

Chief General Manager (RB)

n. PÉÃ±Àªï PÀÄªÀiÁgï ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (ªÁtÂdå ¨ÁåAQAUï)

Q>r. Ho$ed Hw$_ma _w»` _hm à~§YH$ (dm{UpÁ`H$ ~¢{H$§J)

T. Keshav Kumar Chief General Manager (CB)

eÁeïð JA. PÀÄjAiÀÄ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÀiÁ.vÀA., £ÀÆ.ªÀå. & À̧.ªÀå.)

OmoO© E_. Hw$[a`Z _hm à~§YH$ (gy.àm¡., Z.H$m. Ed§ g.bo.)George M. Kurian

General Manager (IT, NB & GB)

¹. ¦. Q±ÉÆÃgï ¨Á§Ä ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (M.D.¤.vÀAqÀ)

gr. nr. {H$emoa ~m~w _hm à~§YH$ (V.J«.Am.à.g.)C. P. Kishor Babu

General Manager (SAMG)

PÉ. J¸ï. ¸ÀÄ§âgÁªÀÄ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (PÁ¥ÉÆÃðgÉÃmï ¨ÁåAQAUï)

Ho$. Eg. gwã~am_Z _hm à~§YH$ (H$mnm}aoQ> ZoQ>dH©$)K. S. Subbaraman General Manager (CNW)

C±ÉÆÃPï PÉ. ¥ÀæzsÁ£ï ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ (DgïJ£ïqÀ§Äèöå3)

AemoH$ Ho$. àYmZ _hm à~§YH$ (arQ>ob ZoQ>dH©$ 3)Ashok K. Pradhan

General Manager (RNW 3)

JA. Dgï. dAiÉÄÃ±À ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÉÊ.¨Áå., ¹J¸ï & ©¦Dgï)

E_. Ama. O`oem _hm à~§YH$ (d¡`{º$H$ ~¢qH$J, grEg & ì`.à.nw.)

M. R. Jayesha General Manager (PSB, CS & BPR)

C¤¯ï «ÄvÀÛ¯ï ªÀÄÄRå eÁUÀÈvÀ C¢üPÁj

A{Zb {_Îmb _w»` gVH©$Vm A{YH$marAnil Mittal

Chief Vigilance Officer

J. J£ï. PÀÈµÀÚ£ï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (ªÀiÁ. À̧A.& ¸Á.D.)

E. EZ. H¥$îUZ _hm à~§YH$ (_m.g§.Ed§ gm.à.)A. N. Krishnan

General Manager (HR & GA)

J¸ï. ªÉAPÀmÉÃ±ÀéégÀ®Ä ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (jmÉÃ¯ï £ÉmïªÀPïð 2)

Eg. d|H$Q>oídabw _hm à~§YH$ (arQ>ob ZoQ>dH©$ 2)S. Venkateswarlu


¸ÀÄgÉÃ±ï J¸ï. ¸ÁªÉÃPÀgï ¥ÀæzsÁ£À ªÀåªÀ̧ ÁÜ¥ÀPÀgÀÄ (jmÉÃ¯ï £ÉmïªÀPïð 1)

gwaoe Eg. gmdoH$a _hm à~§YH$ (arQ>ob ZoQ>dH©$ 1)Suresh S. Savekar


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(Associate of the State Bank of India)

Head Office Bangalore-560 009

N O T I C E

The 56th Annual General Meeting of the Shareholders of the State Bank

of Mysore will be held at the Dr.B.R. Ambedkar Bhavan, Millers Road,

Vasanth Nagar, Bengaluru - 560 052 on Tuesday, 31st May 2016 at

11.30 a.m. for transacting the following business:

“To discuss and adopt the Report of the Board of Directors, the Balance

Sheet and Profit & Loss Account of the Bank made up to the 31st March

2016 and the Auditors Report on the Balance Sheet and Accounts”.

Place : Bangalore Sharad Sharma

Date : 26.04.2016 Managing Director

STATE BANK OF MYSORE

ñQ>oQ> ~¢H$ Am°\$ _¡gya(^maVr` ñQ>oQ> ~¢H$ H$m gh`moJr)àYmZ H$m`m©b`, ~|Jbya-560 009

gyMZmñQ>oQ> ~¢H$ Am°\$ _¡gya Ho$ eo`aYmaH$m| H$s 56 dt dm{f©H _hmg^m, S>m°. ~r. Ama. Aå~oS>H$a ^dZ {_„g© _mJ©, dg§V ZJa, ~|Jbya -560 052 _| _§Jbdma, {XZm§H$ 31 _B© 2016 H$mo nydm©• 11.30 ~Oo {ZåZm§{H$V H$mamo~ma MbmZo hoVw g§nÞ hmoJr:

"31 _mM© 2016 H$mo g_má Ad{Y VH$ H$s {ZXoeH$ _§S>b H$s [anmoQ>©, ~¢H$ H$m VwbZ-nÌ Am¡a bm^-hm{Z boIm VWm VwbZ nÌ d boIm| na boIm narjH$m| H$s [anmoQ>© na MMm© H$aZo Am¡a ñdrH$maZo hoVw &"

ñWmZ : ~|Jbya eaX e_m©{XZm§H$ : 26.04.2016 à~§Y {ZXoeH$

¸ÉÖÃmï ¨ÁåAPï D¥sï ªÉÄÊ¸ÀÆgÀÄ (¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAQ£À ¸ÀºÀªÀwð) ¥ÀæzsÁ£À PÀbÉÃj, ¨ÉAUÀ¼ÀÆgÀÄ-560 009

¸ÀÆZÀ£É¸ÉÖÃmï ¨ÁåAPï D¥sï ªÉÄÊ¸ÀÆj£À µÉÃgÀÄzÁgÀgÀ 56£ÉÃ ªÁ¶ðPÀ ªÀÄºÁ¸À¨sÉAiÀÄÄ, ¢£ÁAPÀ 31£ÉÃ ªÉÄÃ 2016 gÀAzÀÄ, ªÀÄAUÀ¼ÀªÁgÀ ¥ÀÇªÁðºÀß 11.30 UÀAmÉUÉ qÁ. ©.Dgï. CA¨ÉÃqÀÌgï ¨sÀªÀ£À, «Ä®ègïì gÀ¸ÉÛ, ªÀ¸ÀAvÀ£ÀUÀgÀ, ¨ÉAUÀ¼ÀÆgÀÄ-560052 E°è PÉ¼ÀUÉ PÁtÂ¹zÀ PÁAiÀÄðPÀ¯Á¥ÀPÁÌV £ÀqÉAiÀÄ°zÉ :

"31£ÉÃ ªÀiÁZïð 2016gÀªÀgÉV£À ¨ÁåAQ£À ¤zÉðÃ±ÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢, ¹Üw «ªÀgÀt ¥ÀnÖ, ¯Á¨sÀ-£ÀµÀÖ vÀBSÉÛ ºÁUÀÆ ¹Üw «ªÀgÀt ¥ÀnÖ ªÀÄvÀÄÛ ¯ÉPÀÌUÀ¼À ªÉÄÃ°£À ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ ªÀgÀ¢AiÀÄ£ÀÄß ZÀað¹, CAVÃPÀj¸ÀÄªÀÅzÀÄ."

¸ÀÜ¼À : ¨ÉAUÀ¼ÀÆgÀÄ ±ÀgÀzï ±ÀªÀiÁð¢£ÁAPÀ : 26.04.2016 ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉðÃ±ÀPÀgÀÄ

«µÀAiÀÄ ¸ÀÆa

¸ÀÆZÀ£É 1

¤zÉðÃ±ÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢ 5-78

¹Üw «ªÀgÀt ¥ÀnÖ ªÀÄvÀÄÛ ¯Á¨sÀ-£ÀµÀÖ vÀBSÉÛ 79-95

¯ÉPÀÌ¥ÀvÀæ PÁAiÀÄð¤ÃwUÀ¼ÀÄ 96-114

¯ÉPÀÌ¥ÀvÀæzÀ ªÉÄÃ°£À n¥ÀàtÂ 115-163

J¸ï.©.L.UÉ ¯ÉPÀÌ ¥Àj±ÉÆÃzsÀPÀgÀ ªÀgÀ¢ 164-167

£ÀUÀzÀÄ ºÀjªÀÅ «ªÀgÀuÉ 168-172

¨Á¸À¯ï-III «ªÀgÀuÉUÀ¼ÀÄ 173-203

CONTENTS

Notice 1

Report of the Board

of Directors 5-78

Balance Sheet and

Profit & Loss A/c. 79-95

Accounting Policies 96-114

Notes Forming part

of the Accounts 115-163

Auditors Report to SBI 164-167

Cashflow Statement 168-172

Basel-III Disclosures 173-203

{df` gyMr

gyMZm 1

{ZXoeH$ _§S>b H$s [anmoQ>© 5-78

VwbZ nÌ Am¡a bm^-hm{Z boIm 79-95

boImH$Z Zr{V 96-114

boIm| H$m {hñgm ~ZZodmbm ZmoQ> 115-163

Eg~rAmB© H$mo boIm narjH$m| H$s [anmoQ>© 164-167

ZH$X àdmh {ddaUr 168-172

~mgb-III àH$Q>rH$aU 173-203

¤zÉÃð±ÀPÀ ªÀÄAqÀ½ {ZXoeH$ _§S>b Board of Directors*

²æÃªÀÄw CgÀÄAzsÀw ¨sÀmÁÖZÁAiÀÄðCzsÀåPÀëgÀÄ

lr_Vr Aé§Y{V ^Q²>Q>mMm`© AÜ`jSmt. Arundhati Bhattacharya

Chairman

CzsÀåPÀëgÀÄ, ¥ÀzÀ¤«ÄvÀÛ ¤zÉÃð±ÀPÀgÀÄ, ̈ sÁgÀwÃAiÀÄ ̧ ÉÖÃmï ̈ ÁåAPï (¸ÀºÀªÀwð ̈ ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (J) C£ÀÄ¸ÁgÀ

AÜ`j-nXoZ {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (E) Ho$ A§VJ©V

Chairman-Director-Ex-Officio under Clause (a) of Sub-Section (1) of Sec. 25

of State Bank of India (Subsidiary Banks) Act, 1959

²æÃ ±ÀgÀzï ±ÀªÀiÁðªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ

lr eaX e_m© à~§Y {ZXoeH$Shri Sharad Sharma

Managing Director

ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (JJ) C£ÀÄ¸ÁgÀÀ

à~§Y {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (EE) Ho$ A§VJ©V

Managing Director under Clause (aa) of Sub-section (1) of Sec. 25 of the

State Bank of India (Subsidiary Banks) Act. 1959.

²æÃ ¤ÃgÀeï ªÁå¸ï¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr ZraO ì`mg {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Neeraj Vyas

Director, SBI Nominee

¤zÉÃð±ÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀÄ¸ÁgÀ

{ZXoeH$, ̂ maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V

Director under Clause (c) of Sub-Section (1) of Sec. 25 of the State Bank of

India (Subsidiary Banks) Act, 1959

²æÃ «. f. PÀtÚ£ï ¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr dr.Or. H$ÊUZ {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri V. G. Kannan


¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀÄ¸ÁgÀ




²æÃ gÀ« £ÀAzÀ£ï ¸ÀºÁAiÀiï¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr a{d Z§XZ ghm` {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Ravi Nandan Sahay


¤zÉðÃ±ÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V



²æÃ «dAiÀiï PÀÄªÀiÁgï ªÉÆAUÀ¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr {dO` Hw$_ma _m|Jm {ZXoeH$, ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri Vijay Kumar Monga


¤zÉÃð±ÀPÀgÀÄ, s̈ÁgÀwÃAiÀÄ Ȩ́ÖÃmï ¨ÁåAPï ( À̧ºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ 1959, ¥ÀæPÀgÀt 25, G¥À « s̈ÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀÄ¸ÁgÀ




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¤zÉÃð±ÀPÀ ªÀÄAqÀ½ {ZXoeH$ _§S>b Board of Directors*

¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹J) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (grE) Ho$ A§VJ©V

Director under Clause (ca) of Sub-Section (1) of Sec. 25 of the State Bank of


²æÃ Dgï. gÁWÀªÉÃAzÀæ¤zÉÃð±ÀPÀgÀÄ, PÁ«ÄðPÀ ¥Àæw¤¢ü

lr Ama. amKdoÝÐ H$m{_©H$ {ZXoeH$Shri R. Raghavendra

Workmen Director

¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (©) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (~r) Ho$ A§VJ©V

Director under Clause (b) of Sub-Section (1) of Sec. 25 of the State Bank of


²æÃ ªÀÄÄgÀ½ gÁzsÁPÀÈµÀÚ£ï¤zÉðÃ±ÀPÀgÀÄ, Dgï©L £ÉÃªÀÄPÀ

lr _wabr amYmH¥$îUZ {ZXoeH$, ^maVr` [aOd©> ~¢H$ Ho$ Zm{_Vr Shri Murli Radhakrishnan

Director, RBI Nominee

²æÃ PÉ. UÀÄgÀÄgÁeï DZÁAiÀÄð ¸ÀévÀAvÀæ ¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr Ho$.Jwê$amO AmMm`m© ñdV§Ì {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri K. Gururaj Acharya

Independent Director, SBI Nominee

¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (r) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (S>r) Ho$ A§VJ©V

Director under Clause (d) of Sub-Section (1) of Sec. 25 of the State Bank of


¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (r) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (S>r) Ho$ A§VJ©V

Director under Clause (d) of Sub-Section (1) of Sec. 25 of the State Bank of


qÁ. PÉ. ®QëöäÃ±À¤zÉðÃ±ÀPÀgÀÄ, µÉÃgÀÄzÁgÀgÀ ¥Àæw¤¢ü

S>m°. Ho$. bú_rem eo`aYmar {ZXoeH$ Dr. K. Lakshmisha

Shareholder Director

²æÃ J¸ï. ¸É®éPÀÄªÀiÁgï ¤zÉðÃ±ÀPÀgÀÄ, ¨sÁgÀvÀ ¸ÀPÁðgÀ £ÉÃªÀÄPÀ

lr Eg. goëdHw$_ma {ZXoeH$, ^maV gaH$ma Ho$ Zm{_Vr Shri S. Selvakumar

Director, GOI Nominee

¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (E) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (B©) Ho$ A§VJ©V

Director under Clause (e) of Sub-Section (1) of Sec. 25 of the State Bank of


¤zÉÃð±ÀPÀgÀÄ, ¨sÁgÀwÃAiÀÄ ¸ÉÖÃmï ¨ÁåAPï (¸ÀºÀªÀwð ¨ÁåAPÀÄUÀ¼ÀÄ) C¢ü¤AiÀÄªÀÄ, 1959, ¥ÀæPÀgÀt 25, G¥À «¨sÁUÀ (1)gÀ µÀgÀvÀÄÛ (¹) C£ÀÄ¸ÁgÀ

{ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ (AZwf§Jr ~¢H$) A{Y{Z`_ 1959, H$s Ymam 25 CnYmam (1) AZwÀN>oX (gr) Ho$ A§VJ©V



²æÃ J. ¥Àæ¨sÁPÀgÀ¸ÀévÀAvÀæ ¤zÉðÃ±ÀPÀgÀÄ, J¸ï©L £ÉÃªÀÄPÀ

lr E. à^mH$a ñdV§Ì {ZXoeH$, ^maVr` ñQ>oQ> ~¢H$ Ho$ Zm{_VrShri A. Prabhakara

Independent Director, SBI Nominee

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STATE BANK OF MYSORE5

ªÁ¶ðPÀ ªÀgÀ¢ dm{f©H$ [anmoQ>© 2015 - 16

REPORT OF THE BOARD OF DIRECTORS

1. MANAGEMENT DISCUSSIONS

AND ANALYSIS

1.1. Macro Economic Scenario and

Banking Environment.

1.1.1. Growth

Ø The global economic activity has

been characterised by varying

perceptions of downside risks

to recovery in some advanced

economies (AEs) with weak

growth and elevated inflation

amidst tighter financial conditions

in Emerging Market Economy

(EME). Across EMEs, weak

domestic fundamentals, lacklustre

external demand and country-

specific constraints continue to

restrain growth. The uneasy calm

that prevails in financial markets

could be dispelled by return of risk-

off investor sentiment on account

of data pertaining to China or to

US inflation.

Ø On the domestic front, unseasonal

rains and hail have damaged some

winter crops though agricultural

activities have remained resilient,

suggesting that implicit estimate

of GVA is likely to be achieved.

With improved perceptions on

overall economic conditions,

manufacturing purchasing

managers’ index (PMI) suggests

business expectations for Q1 of

2016-17 to be positive. Services

sector activity expanded steadily

turning out to be the main drivers

in H2. The services PMI remained

in expansion mode during H2 on

new business and expectations.

The outlook for services in surveys

is upbeat for Q1 of 2016-17.

1.1.2. Inflation

Ø Retail inflation measured by the

consumer price index (CPI) dropped

due to a larger than anticipated

decline in vegetable prices. Inflation

¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄ ªÀgÀ¢1. DqÀ½vÀ ªÀÄAqÀ½AiÀÄªÀgÀ ZÀZÉð ªÀÄvÀÄÛ

«±ÉèÃµÀuÉ :

1.1. ¸ÀªÀÄUÀæ DyðPÀ ¸À¤ßªÉÃ±À ªÀÄvÀÄÛ ¨ÁåAQAUï ªÀ®AiÀÄ.

1.1.1. ªÀÈ¢Þ

Ø «±ÀéªÀÄlÖzÀ°è DyðPÀ ZÀlÄªÀnPÉUÀ¼À£ÀÄß ««zsÀ zÀÈ¶ÖPÉÆÃ£ÀUÀ½AzÀ ¥Àj²Ã°¹zÁUÀ C£ÉÃPÀ jÃwUÀ¼À°è UÉÆÃZÀgÀªÁVªÉ. PÉ®ªÀÅ ªÀÄÄAzÀÄªÀjzÀ zÉÃ±ÀUÀ¼À°è QëÃt C©üªÀÈ¢Þ¬ÄAzÁV ¥ÀæUÀwAiÀÄÄ E½ªÀÄÄRªÁVzÀÝgÉ C©üªÀÈ¢Þ¥ÀgÀ zÉÃ±ÀUÀ¼À°è ºÀtzÀÄ§âgÀzÀ ̧ ÀªÀÄ¸ÉåAiÉÆA¢UÉ ©UÀÄ«¤AzÀ PÀÆrzÀ DyðPÀ ¥ÀæUÀw PÀAqÀÄ§A¢vÀÄÛ. D©üªÀÈ¢Þ¥ÀgÀ zÉÃ±ÀUÀ¼À°è, zÀÄ§ð® ªÀÄÆ® ¸Ë®¨sÀå ªÀÄlÖ, ¨ÁºÀå ¨ÉÃrPÉUÀ¼À PÉÆgÀvÉ ªÀÄvÀÄÛ DAiÀiÁ zÉÃ±ÀPÉÌ ¸ÀA§AzÀ¥ÀlÖ ̧ ÀªÀÄ¸ÉåUÀ¼ÀÄ ̈ É¼ÀªÀtÂUÉAiÀÄ£ÀÄß PÀÄApvÀUÉÆ½¹zÀÝªÀÅ. MmÁÖgÉAiÀiÁV, aÃ£Á CxÀªÁ CªÉÄÃjPÁ zÉÃ±ÀUÀ¼À ºÀtzÀÄ§âgÀ ¸ÀªÀÄ¸ÉåAiÀÄ CAQ-CA±ÀUÀ¼À ¥ÀjuÁªÀÄ §AqÀªÁ¼ÀzÁgÀgÀ°ègÀÄªÀ »AdjPÉAiÀÄ£ÀÄß vÉÆqÉzÀÄºÁQzÀ°è DyðPÀ ªÀ®AiÀÄzÀ°ègÀÄªÀ ¸ÀÜVvÀUÀwUÉ ZÁ®£É ¤ÃqÀ§ºÀÄzÀÄ.

Ø £ÀªÀÄä zÉÃ±ÀzÀ C©üªÀÈ¢ÞAiÀÄ£ÀÄß UÀªÀÄ¤¹zÁUÀ, CPÁ°PÀªÁV D°PÀ®Äè ¸À»vÀ ªÀÄ¼É ©zÀÝ ¥ÀjuÁªÀÄªÁV, C£ÉÃPÀ ¨sÁUÀUÀ¼À°è ¨É¼É £Á±ÀªÁ¬ÄvÁzÀgÀÆ PÀÈ¶ªÀ®AiÀÄzÀ ZÉÃvÀjPÉ¬ÄAzÁV, PÀÈ¶ GvÁàzÀ£ÉAiÀÄ ªÁ¶ðPÀ CAzÁdÄ ªÀÄlÖªÀ£ÀÄß vÀ®Ä¥ÀÅªÀ ¸ÁzsÀåvÉ¬ÄzÉ. zÉÃ±ÀzÀ DyðPÀ gÀAUÀzÀ°è ºÉÆ¸À UÁ½ ©Ã¹gÀÄªÀ PÁgÀt¢AzÀ, 2016-17 gÀ ªÉÆzÀ® vÉæöÊªÀiÁ¹PÀ CªÀ¢üAiÀÄ°è GvÀÛªÀÄ ¥ÀæUÀwAiÀÄ£ÀÄß PÁt§ºÀÄzÉAzÀÄ PMI CAQCA±ÀUÀ¼ÀÄ w½¸ÀÄvÀÛªÉ. ¸ÉÃªÁªÀ®AiÀÄzÀ°è PÀÆqÁ JgÀqÀ£É ªÀµÁðzsÀðzÀ°è ¨É¼ÀªÀtÂUÉ GvÀÛªÀÄªÁVzÀÄÝ, ºÉÆ¸À ªÀåªÀºÁgÀ ªÀÄvÀÄÛ ¤jÃPÉëUÀ½UÉ C¥ÁgÀ CªÀPÁ±À«zÉ. 2016-17 gÀ ªÉÆzÀ® vÉæöÊªÀiÁ¹PÀ CªÀ¢üAiÀÄ°è ¸ÉÃªÁ ªÀ®AiÀÄzÀ ¥ÀæUÀw §ºÀ¼À JvÀÛgÀzÀ°ègÀÄªÀÅzÀ£ÀÄß CAzÁf¸À¯ÁVzÉ.

1.1.2. ºÀtzÀÄ§âgÀ

Ø vÀgÀPÁj ¨É¯ÉUÀ¼À°è PÀÄ¹vÀ PÀAqÀÄ§A¢zÀÝjAzÀ, UÁæºÀPÀ ¨É¯É ¸ÀÆZÁåAPÀzÀ°è ¤jÃPÉëVAvÀ®Æ ºÉaÑ£À E½ªÀÄÄRªÁVzÉ. «zÀÄåvï ±ÀQÛ, ¹ÃªÉÄ

[ZXoeH$ _§S>b H$s [anmoQ>©

1. à~§YH$s` {dMma Ed§ {díbofU

1.1. ñWyb Am{W©H$ n[aÑí` Ed§ ~¢qH$J n[adoe

1.1.1. d¥{Õ

Ø d¡{œH$ ñVa na {d{dY Am{W©H$ J{V{d{Y`m| H$mo {d{^ÝZ Ñ{ï>H$moU go {díbo{fV H$aZo na {d{^ÝZ ê$n _| n[ab{jV hmoVr h¢& H$B© {dH${gV Xoem| _| Yr_r àJ{V Ho$ H$maU {ZåZ d¥{Õ hmo Vmo {dH$mgerb Xoem| _| _wÐmñ\$s{V H$s g_ñ`m go Am{W©H$ àJ{V _| MwñVr XoIr JB©& {dH$mgerb Xoem| _| _yb^yV gw{dYmAm| H|$ H$_r, ~mø _m§Jm| _| H$_r Am¡a Am§V[aH$ g_ñ`mAm| Ho$ H$maU d¥{Õ Hw§${R>V ahr& g_J« ê$n go MrZ `m A_arH$m Ho$ _wÐmñ\$s{V g_ñ`m go g§~§{YV Am§H$‹S>m| go {ZdoeH$mam| _| Omo ̂ ` h¡ Cgo Xÿa H$aZo na Am{W©H$ d¥{Õ H$mo J{V {_boJr&

Ø AnZo Xoe H$s Am§V[aH$ àJ{V na Ñ{ï> S>mbZo go ~o_m¡g_r Amobm ~agmV Zo AZoH$ ^mJm| _| gXu H$s \$gb H$mo ZîQ> H$aZo na ^r H¥${f J{V{d{Y`m| _| CN>mb ~Zm ahm {Oggo H¥${f CËnmXZ _| dm{f©H$ bú` àmßV {H$`m Om gH$m& Xoe Ho$ g_J« Am{W©H$ joÌ _| Amem H$s ZB© {H$aU| {XImB© Xo ahr h¢, nrE_AmB© Ho$ Am§H$‹S>o gy{MV H$a aho h¢ {H$ df© 2016-17 Ho$ àW_ {V_mhr Ho$ Xm¡amZ àJ{V AÀN>r ahoJr& godm joÌm| H$s àJ{V _| {ÛVr` AY© df© _| Am¡a A{YH$ gwYma XoIm OmEJm, ZE H$mamo~ma H$s g§^mdZmE§ ~T>|Jr& df© 2016-17 H$s nhbr {V_mhr _| godm joÌ H$s àJ{V CÀMVa ahoJr&

1.1.2. _wÐmñ\$s{V

Ø J«mhH$ _yë` gyMH$m§H$ Ûmam _mnr JB© IwXam _wÐmñ\$s{V gãOr Ho$ _yë`m| _| AZw_m{ZV go A{YH$ {JamdQ> Ho$ H$maU KQ> JB©& BªYZ g_yh _| _wÐmñ\$s{V

ANNUAL REPORT 2015 - 16

STATE BANK OF MYSORE 6

in the fuel group moderated across

electricity, kerosene, cooking gas

and firewood, easing pressures on

rural inflation. However, CPI inflation

edged up under several sectors

suggesting capacity constraints and

is unlikely to be helped by the 7th

Pay Commission award, one-rank-

one-pension (OROP) award and

cost-push effect of the increase in

the service tax rate.

Ø However there will be some

offsetting downside pressures from

tepid demand in the global economy,

Government’s effective supply

side measure and commendable

commitment to fiscal consolidation.

The uneven recovery in growth

in 2015-16 is likely to strengthen,

assuming a normal monsoon, likely

boost to consumption, 7th Pay

Commission recommendations and

OROP. The GVA growth projection

for 2016-17 is accordingly retained

at 7.6 per cent.

1.1.3. Liquidity Framework for

Monetary Policy Operations

Ø Liquidity conditions tightened

since mid-December with pick-up

in bank credit and flatter deposit

mobilisation. The Reserve Bank

undertook liquidity operations

through fine-tuning variable rate

repo auctions beside reducing

Statutory liquidity ratio (SLR) by

25 basis points from 21.5 per cent

to 21.25 per cent.

Ø Net inflows in the form were robust

in Q4. Foreign portfolio investors

(FPIs), became net buyers in

March in both equity and debt

segments.

Ø The reduction in small savings

rates in March 2016, refinements

in the liquidity management

framework and introduction of

the marginal cost of funds based

lending rate (MCLR) magnify the

effects of the policy rate cut.

JuÉÚ, CqÀÄUÉ C¤® ªÀÄvÀÄÛ PÀnÖUÉ zÀgÀUÀ¼À°è ¸ÁzsÁgÀt ªÀÄlÖ EzÀÄÝzÀjAzÁV, UÁæ«ÄÃt PÉëÃvÀæzÀ°è EAzsÀ£À ªÀ®AiÀÄzÀ ºÀtzÀÄ§âgÀ ¤AiÀÄAvÀætzÀ°èvÀÄÛ. 7£ÉÃ ªÉÃvÀ£À DAiÉÆÃUÀzÀ eÁj, KPÀ ±ÉæÃtÂ KPÀ ªÉÃvÀ£À ¥ÀzÀÞw eÁj, ¸ÉÃªÁ vÉjUÉ zÀgÀUÀ¼À°è KjPÉ ºÁUÀÄ PÉ®ªÀÅ ¤AiÀÄAvÀætgÀ»vÀ PÁgÀtUÀ½AzÀ UÁæºÀPÀ ¨É¯É ¸ÀÆZÁåAPÀzÀ°è ºÀtzÀÄ§âgÀzÀ ¥ÀjuÁªÀÄ EzÉÝÃ EgÀÄvÀÛzÉ.

Ø eÁUÀwPÀ DyðPÀ ªÀ®AiÀÄzÀ°èzÀÝ MvÀÛqÀUÀ¼ÀÄ ºÁUÀÄ ¸ÀgÀPÁgÀzÀ ¥ÀjuÁªÀÄPÁj PÀæªÀÄUÀ½AzÁV zÉÃ±ÀzÀ DyðPÀ gÀAUÀ ¸ÀÄzsÁgÀuÉAiÀÄ ¥ÀxÀzÀ°èzÉ. F ªÀµÀðzÀ°è ¤jÃPÉëAiÀÄ GvÀÛªÀÄ jÃwAiÀÄ ªÀÄ¼ÉUÁ®, 7£ÉÃ ªÉÃvÀ£À DAiÉÆÃUÀzÀ ²¥sÁgÀ¸ÀÄìUÀ¼À eÁj, KPÀ ±ÉæÃtÂ KPÀ ªÉÃvÀ£ÀzÀ eÁj - EªÀÅUÀ½AzÁV §¼ÀPÉzÁgÀjUÉ ¥ÉÇæÃvÁìºÀ ¹UÀÄªÀAvÁVzÉ ªÀÄvÀÄÛ 2015-16 gÀ ¥Àj¹Üw¬ÄAzÀ ªÀÄÄQÛ ¹UÀ§ºÀÄzÁVzÉ. 2016-17 gÀ ªÀµÀðzÀ°è zÉÃ±ÀzÀ C©üªÀÈ¢Ý zÀgÀªÀ£ÀÄß 7.6 gÀ ªÀÄlÖzÀ¯ÉèÃ ElÄÖPÉÆ¼Àî¯ÁVzÉ.

1.1.3. DyðPÀ ¤Ãw ¤gÀÆ¥ÀuÉAiÀÄ°è zÀæªÀvÀézÀ ZËPÀlÄÖ :

Ø PÀ¼ÉzÀ r¸ÉA§gï ªÀÄzsÀå¨sÁUÀzÀ°è ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£ÀªÀgÀÄ PÀlÄÖ¤nÖ£À PÀæªÀÄ PÉÊUÉÆArzÀÝjAzÀ, ¨ÁåAPï ¸Á® ¥ÀæªÀiÁtzÀ°è KjPÉ PÀAqÀÄ§gÀ®Ä ¥ÁægÀA¨sÀªÁ¬ÄvÀÄ ºÁUÀÆ oÉÃªÀtÂ ¥ÀæªÀiÁtzÀ°è E½PÉ PÀAqÀÄ§A¢vÀÄ. F ¸ÀAzÀ¨sÀðzÀ°è ¨sÁgÀwÃAiÀÄ j¸Àªïð ̈ ÁåAQ£ÀªÀgÀÄ gÉ¥ÉÇÃ zÀgÀªÀ£ÀÄß vÀVÎ¹zÀÄzÀ®èzÉ SLR zÀgÀzÀ°è 25 bps PÀrªÉÄUÉÆ½¹, EzÀ£ÀÄß 21.50 ¬ÄAzÀ 21.25 PÉÌ E½¹zÀgÀÄ.

Ø 4 £ÉÃ vÉæöÊªÀiÁ¹PÀ CªÀ¢üAiÀÄ°è ºÀtPÁ¸ÀÄ M¼ÀºÀjªÀÅ GvÀÛªÀÄ ªÀÄlÖzÀ°èvÀÄÛ. ªÀiÁZïð wAUÀ¼À°è FQén ªÀÄvÀÄÛ qÉ¨ïÖ «¨sÁUÀUÀ¼ÉgÀqÀgÀ®Æè FPI UÀ¼ÀÄ ºÉaÑ£À RjÃ¢AiÀÄ£ÀÄß ªÀiÁrzÀgÀÄ.

Ø ªÀiÁZïð 2016 gÀ°è ¸ÀtÚ G½vÁAiÀÄ zÀgÀUÀ¼À°è ªÀiÁrzÀ E½PÉ, zÀæªÀvÀé ZËPÀnÖ£À ¤ªÀðºÀuÉAiÀÄ°è ¸ÀÄzsÁgÀuÉ ªÀÄvÀÄÛ MCLR eÁj¬ÄAzÁV, zÀgÀ E½PÉAiÀÄ PÀæªÀÄzÀ ¥ÀjuÁªÀÄUÀ¼ÀÄ ¸ÀjAiÀiÁV ¥sÀ® ¤ÃrzÀªÀÅ.

{~Obr, {_Å>r Ho$ Vob, Hw$qH$J J¡g Am¡a ObmD$ bH$‹S>r _| g§Vw{bV ahr {Oggo J«m_rU _wÐmñ\$s{V _m°S>aoQ> ahr& {\$a ^r, grnrAmB© _wÐmñ\$s{V, ~mYmAm| Ho$ MbVo H$B© joÌm| _| _wÐmñ\$s{V ~‹T>r Am¡a gmVd| doVZ Am`moJ AdmS©>, dZ a¢H$ dZ n|eZ (AmoAmaAmonr) AdmS©> Am¡a godm H$a Xa _|, bmJV _| ~T>moËVar go _wÐmñ\$s{V _| _m_ybr d¥{Õ ~Zr ahoJr&

Ø {\$a ^r, d¡pídH$ AW©ì`dñWm _| aho X~md Am¡a gaH$ma Ûmam {H$E JE à^mdr Cnm`m| go Xoe H$m Am{W©H$ joÌ gwYma Ho$ nW na Mb ahm h¡& Bg df© AÀN>r ~m[ae, gmVd| doVZ Am`moJ H$s {g\$m[aem| Ho$ bmJy, dZ a¢H$ dZ n|eZ hmoZo Cn^moŠVmAm| H$mo àmoËgmhZ àmßV hmoJm Am¡a df© 2015-16 H$s n[apñW{V`m| go _w{º$ {_boJr& df© 2016-17 _| Xoe H$s {dH$mg Xa H$mo 7.6% na ~ZmE aIm J`m h¡&

1.1.3. _m¡{ÐH$ Zr{V n[aMmbZ Ho$ {bE VabVm H$m T>m§Mm

Ø {nN>bo _Ü` {Xg§~a _| ^maVr` [aµOd© ~¢H$ Ûmam {bE JE H${R>Z H«$_m| Ho$ H$maU ~|H$ F$U _| ~T>moËVar XoIr JB© Am¡a O_m g§J«h _| H$_r AmZo bJr& [aµOd© ~¢H$ Zo gm§{d{YH$ VabVm AZwnmV (EgEbAma) H$mo 21.5 à{VeV go 25 ~o{gg nmB§Q> KQ>mH$a 21.25 à{VeV H$aZo Ho$ gmW hr n[adV©Zr` Xa aonmo Zrbm_r _| ghr g§VwbZ Ho$ O[aE VabVm n[aMmbZ na {Z`§ÌU aIm&

Ø Bg àH$ma Ho$ {Zdb ~hmd Mm¡Wr {V_mhr _| g§Vw{bV ahm& {dXoer F$U g§{d^mJ {ZdoeH$m| (E\$nrAmB©) Zo B©{¹$Q>r Am¡a H$O© XmoZm| I§S>m| _| _mM© _| A{YH$ IarXXmar H$s&

Ø _mM© 2016 _| bKw ~MV Xam| _| H$_r, VabVm à~§YZ T>m§Mo _| gwYma Am¡a H$mof AmYm[aV CYma Xa (E_grEbAma) Ho$ gr_m§V _yë` H$mo Omar H$aZo go H$Q>m¡Vr Xa Zr{V H$m à^md XþJwZm hmo OmVm h¡&



1.1.4. Monetary and Liquidity

Measures

On the basis of an assessment of the

current and evolving macroeconomic

situation RBI has decided to:

Ø reduce the policy repo rate under

the liquidity adjustment facility

(LAF) by 25 basis points from

6.75 per cent to 6.5 per cent;

Ø reduce the minimum daily

maintenance of the cash reserve

ratio (CRR) from 95 per cent of

the requirement to 90 per cent

Ø continue to provide liquidity as

required but progressively lower

the average ex ante liquidity to a

position closer to neutrality;

Ø narrow the policy rate corridor

from +/-100 basis points (bps)

to +/- 50 bps by reducing the

MSF rate by 75 basis points and

increasing the reverse repo rate

by 25 basis points, with a view

to ensuring finer alignment of

the weighted average call rate

(WACR) with the repo rate;

Consequently, reverse repo rate under

the LAF stands adjusted to 6.0 per cent,

and the marginal standing facility (MSF)

rate to 7.0 per cent.

1.2. ECONOMY OF KARNATAKA

1.2.1. Karnataka’s economy is largely

service-oriented, with 64% of the State

revenue coming from services sector,

26% from industrial sector and only

8% coming from agricultural sector.

The decline of agriculture sector is

attributed to the drought or near drought

like situation prevailing for the last 3

years causing distress to the farming

community besides affecting their

produce.

1.2.2. Karnataka is referred to as

‘Knowledge & Innovation Capital’,

‘Silicon Valley’, ‘R&D Hub’ and ‘Startup

Hub’. It is the state with most peaceful

labour relations, boasts of highest

number of international schools, most

1.1.4. ºÀtPÁ¸ÀÄ ªÀÄvÀÄÛ zÀæªÀvÀé PÀæªÀÄUÀ¼ÀÄ

¸ÀzÀåzÀ ªÀÄvÀÄÛ ¸ÀªÀÄUÀæ DyðPÀ ¥ÀjuÁªÀÄUÀ¼À£ÀÄß «±ÉèÃ¶¹, ¨sÁgÀwÃAiÀÄ j¸Àªïð ¨ÁåAQ£ÀªÀgÀÄ ¤zsÀðj¹zÀAvÉ:

Ø °Qérn CqÉÓ¸ÉÖ÷äAmï ¥sÉ¹°n (LAF) CrAiÀÄ°è ¥Á°¹ gÉ¥ÉÇÃ zÀgÀªÀ£ÀÄß 6.75% jAzÀ 25 bps UÀ¼ÀµÀÄÖ vÀVÎ¹ 6.5%PÉÌ vÀgÀÄªÀÅzÀÄ.

Ø CRR ¤ÃwAiÀÄ°è zÉÊ£ÀA¢£À PÀ¤µÀÖ £ÀUÀzÀÄ ªÀÄlÖªÀ£ÀÄß 95% ¢AzÀ 90%UÉ E½¸ÀÄªÀÅzÀÄ.

Ø zÀæªÀvÀézÀ CUÀvÀåvÉAiÀÄ£ÀÄß ªÀÄÄAzÀÄªÀj¹PÉÆ¼ÀÄîvÀÛ, ¸ÀgÁ¸Àj ªÀÄlÖzÀ zÀæªÀvÀé¢AzÀ vÀl¸ÀÜ ªÀÄlÖzÀ°è zÀæªÀvÀéªÀ£ÀÄß PÁ¥ÁrPÉÆ¼Àî®Ä ¥ÀæAiÀÄwß¸ÀÄªÀÅzÀÄ.

Ø gÉ¥ÉÇÃ zÀgÀzÀ dvÉAiÀÄ°è WACR zÀgÀªÀ£ÀÄß ¸À«ÄÃPÀj¹PÉÆ¼ÀÄîªÀ ¥ÀæAiÀÄvÀßzÀ°è ¥Á°¹ gÉÃmï PÁjqÁj£À bps UÀ¼À£ÀÄß +/- 100 jAzÀ +/- 50 UÀ½UÉ E½¸ÀÄªÀÅzÀÄ ªÀÄvÀÄÛ MSF zÀgÀzÀ°è 75 bps UÀ¼À£ÀÄß ºÉaÑ¸ÀÄªÀÅzÀÄ, jªÀ¸ïð gÉ¥ÉÇÃzÀ°è 25 bps UÀ¼À£ÀÄß ºÉaÑ¸ÀÄªÀÅzÀÄ.

F PÀæªÀÄUÀ½AzÁV, LAF CrAiÀÄ°è jªÀ¸ïð gÉ¥ÉÇÃ zÀgÀªÀÅ 6.0% ªÀÄvÀÄÛ MSF zÀgÀ 7.0% DV G½zÀÄPÉÆArzÉ.

1.2. PÀ£ÁðlPÀzÀ DyðPÀvÉ :

1.2.1. PÀ£ÁðlPÀzÀ DyðPÀvÉAiÀÄÄ ¥ÀæªÀÄÄRªÁV ¸ÉÃªÁ ªÀ®AiÀÄzÀ ªÉÄÃ¯É DzsÀj¹zÉ. gÁdåzÀ 64% DzÁAiÀÄªÀÅ ¸ÉÃªÁªÀ®AiÀÄ¢AzÀ, 26% PÉÊUÁjPÁ ªÀ®AiÀÄ¢AzÀ ªÀÄvÀÄÛ 8% PÀÈ¶ ªÀ®AiÀÄ¢AzÀ §gÀÄvÀÛzÉ. PÀ¼ÉzÀ ªÀÄÆgÀÄ ªÀµÀðUÀ½AzÀ gÁdåzÀ°è DªÀj¹gÀÄªÀ §gÀUÁ® CxÀªÁ §gÀ jÃwAiÀÄ ¥Àj¹Üw¬ÄAzÁV, PÀÈ¶ DzÁAiÀÄzÀ°è PÉÆgÀvÉ-AiÀÄÄAmÁVzÉ ªÀÄvÀÄÛ gÉÊvÀgÀ ªÀÄvÀÄÛ CªÀgÀÄ ¨É¼ÉAiÀÄÄªÀ ¨É¼ÉUÀ¼À ¸ÀªÀÄ¸Éå UÀA©üÃgÀªÁVzÉ.

1.2.2. PÀ£ÁðlPÀªÀ£ÀÄß ‘£Á¯ÉqïÓ & E£ÉÆßÃªÉÃ±À£ï PÁå¦l¯ï’, ‘¹°PÁ£ï ªÁå°’, ‘Dgï & r ºÀ¨ï’ ªÀÄvÀÄÛ ‘¸ÁÖlð¥ï ºÀ¨ï’; ªÀÄÄAvÁV PÀgÉAiÀÄ¯ÁUÀÄvÀÛzÉ. E°ègÀÄªÀ ¸ËºÁzÀðªÀÄAiÀÄ £ËPÀgÀ ¸ÀA§AzsÀUÀ¼ÀÄ, C¢üPÀ ¸ÀASÉåAiÀÄ CAvÁgÁ¶ÖçÃAiÀÄ ªÀÄlÖzÀ «zÁå¸ÀA¸ÉÜUÀ¼ÀÄ, ºÉaÑ£À ¸ÀASÉåAiÀÄ PÉÊUÁjPÁ vÀgÀ¨ÉÃw ¸ÀA¸ÉÜUÀ¼ÀÄ, zÉÃ±ÀzÀ¯ÉèÃ JgÀqÀ£ÉAiÀÄ gÁdåªÁV ºÉaÑ£À ¸ÀASÉåAiÀÄ°ègÀÄªÀ EAf¤AiÀÄjAUï ªÀÄvÀÄÛ

1.1.4. _m¡{ÐH$ Ed§ VabVm Cnm`

dV©_mZ Am¡a C^aVr ñWyb Am{W©H$ pñW{V Ho$ _yë`m§H$Z AmYma na Ama~rAmB© Zo {ZåZdV {ZU©` {bE h¢:

Ø VabVm g_m`moOZm gw{dYm (EbEE\$) Ho$ VhV Zr{VJV aonmo Xa 6.75 à{VeV go 25 ~o{gg ßdmB§Q> KQ>mH$a 6.5 à{VeV H$aZm&

Ø ZH$Xr Ama{jV AZwnmV (grAmaAma) Ho$ Ý`yZV_ X¡{ZH$ aIaImd H$mo Amdí`H$Vm Ho$ 95 à{VeV go KQ>mH$a 90 à{VeV H$aZm&

Ø Amdí`H$VmZwgma VabVm CnbãY H$admZm Omar aIVo hþE nyd© VabVm Am¡gV H$mo àJ{VnaH$ VQ>ñWVm VH$ ~ZmE aIZm&

Ø ̂ m[aV Am¡gV H$m°b Xa Ho$ aonmo Xa Ho$ gmW ~ohVa g_m`moOZ H$mo gw{Z{üV H$aZo Ho$ {bE E_EgE\$ Xa H$mo 75 ~o{gg ßdmB§Q> KQ>mH$a VWm [adg© aonmo Xa H$mo 25 ~o{gg ßdmB§Q> ~‹T>mH$a Zr{VJV Xa H$m°[aS>moa H$mo +/- 100 ~o{gg ßdmB§Q> (~rnrEg) go +/- 50 ~rnrEg VH$ H$_ H$aZm&

n[aUm_ñdê$n EbEE\$ Ho$ VhV [adg© aonmo Xa 6.0 à{VeV na Am¡a _m{O©Zb ñQ>¢qS>J gw{dYm Xa 7.0 à{VeV na g_m`mo{OV h¡&

1.2. H$Zm©Q>H$ H$s AW©ì`dñWm

1.2.1. H$Zm©Q>H$ H$s AW©ì`dñWm ~¥hX ê$n go godmoÝ_wIr h¡ Am¡a amÁ` H$s 64% à{VeV Am` godm joÌ, 26% Am¡Úmo{JH$ joÌ Am¡a Ho$db 8% H¥${f joÌ go AmVr h¡& H¥${f joÌ _| H$_r H$m H$maU gyIm AWdm bJ^J gyIo O¡gr pñW{V h¡ Omo {nN>bo VrZ gmb go H¥$fH$ g_wXm` H$s qMVm H$m g~~ ~Zr hþB© h¡ Am¡a CZHo$ CËnmXm| H$mo à^m{dV H$a ahr h¡&

1.2.2. H$Zm©Q>H$ H$mo ‘kmZ Ed§ ZdmoÝ_o{fVm H$s amOYmZr’, ‘{g{bH$m°Z d¡br’, ‘AZwg§YmZ Ed§ {dH$mg h~’ Ed§ ‘ñQ>mQ>©An h~’ Ho$ ê$n _| OmZm OmVm h¡& Bg àXoe _| Xoe Ho$ gdm©{YH$ em§{VnyU© _OXÿa g§~§Y, gdm©{YH$ g§»`m _| A§Vam©îQ´>r` {dÚmb`, g~go A{YH$ g§»`m _| Am¡Úmo{JH$ à{ejU g§ñWmZ Am¡a Xÿgao g~go A{YH$ B§Or{Z`a Ed§ {M{H$Ëgm _hm{dÚmb`



number of industrial training institutes

and the 2nd highest engineering

& medical colleges in the country.

Karnataka’s state contribution to the

country’s GDP has gone up from 5.5%

to 7% after incorporating correction

in the estimation methodology taking

into considering generous contribution

by IT sector. Karnataka is the Largest

Biotech hub (28% All India's Biotech

companies), largest exporter of software

- 40% Country's software exports,

largest number of startups (36% 5 out

of 8 Indian Unicorns), largest number of

R&D centers (44%), largest producer of

Coffee (71% National output). Bengaluru

ranked “Best place to live and work

for Expats” in India with outstanding

social infrastructure and cosmopolitan

culture.

1.2.3. The rate of growth of Karnataka’s

economy has slowed down from 7.8

per cent during 2014-15 to 6.2 per cent

during 2015-16, attributed to drought in

137 taluks during kharif and 62 taluks

during the rabi crop seasons resulting

in fall in foodgrains production by 16 lac

tonnes. The service sector is growing at

9.1 per cent while the industrial sector

is expected to register a growth of 4.5

percent.

1.2.4. The business growth of our

Bank depends to a large extent on

the Karnataka economy, since 82% of

branches (850 out of 1,037 branches, as

on 31.03.2016) are located in Karnataka.

The budget size and State plan 2016-

17 envisages a total expenditure of

`1,63,419 crs on various developmental

activities and regulatory functions of the

Government, which includes Revenue

Expenditure of `1,30,236 crs, Capital

Expenditure of `26,371 crs. GoK plan to

set up 2 industrial township/smart cities at

Davanagere and Belgaum besides SEZ

already planned at Tumkur, which will

provide increased growth opportunities

for the economy and more particularly

Banking Sector. The commissioning

of Mumbai-Bangalore gas pipeline will

provide further boost to the effort.

ªÉÊzÀåQÃAiÀÄ PÁ¯ÉÃdÄUÀ¼ÀÄ J®ègÀ£ÀÆß F gÁdåzÀ PÀqÉ DPÀ¶ð¸ÀÄvÀÛzÉ. ¸ÀÆÜ® zÉÃ²Ã GvÀà£ÀßzÀ ¯ÉPÁÌZÁgÀªÀ£ÀÄß ¥ÀÅ£ÀgÀÆæ¦¹PÉÆAqÀÄ, ªÀiÁ»w vÀAvÀæeÁÕ£À ªÀ®AiÀÄzÀ°è gÁdåzÀ C¥ÁgÀ PÉÆqÀÄUÉAiÀÄ£ÀÄß zÉÃ±ÀzÀ ¸ÀÆÜ® zÉÃ²Ã GvÀà£ÀßPÉÌ (GDP) ¸ÉÃj¹zÁUÀ, GDP ªÀiË®å 5.5%¤AzÀ 7% PÉÌ KjPÉAiÀiÁVzÉ. ºÁUÉAiÉÄÃ, zÉÃ±ÀzÀ¯Éè 28% eÉÊ«PÀ vÀAvÀæeÁÕ£À PÀA¥É¤UÀ¼ÀÄ PÀ£ÁðlPÀzÀ°èzÀÄÝ, ¸Á¥sïÖ ªÉÃgï gÀ¥sÀÅöÛ GzÀåªÀÄ 40%, ̧ ÁÖmïð C¥ï G¢ÝªÉÄAiÀÄ°è zÉÃ±ÀzÀ¯ÉèÃ Cw ºÉaÑ£À ¸ÀASÉåAiÀÄ G¢ÝªÉÄUÀ¼ÀÄ (36%), ºÉaÑ£À ̧ ÀASÉåAiÀÄ ̧ ÀA±ÉÆÃzsÀ£É ªÀÄvÀÄÛ C©üªÀÈ¢Þ PÉÃAzÀæUÀ¼ÀÄ (R&D) (44%), PÁ¦ü GvÁàzÀ£ÉAiÀÄ°è ªÉÆzÀ® ¸ÁÜ£À (71%) F gÁdåzÀ°èªÉ. CvÀÄåvÀÛªÀÄ ¸ÁªÀiÁfPÀ ªÀåªÀ¸ÉÜ ªÀÄvÀÄÛ PÁ¸ÉÆä¥Á°l£ï ¸ÀA¸ÀÌöÈw ºÉÆA¢gÀÄªÀ ¨ÉAUÀ¼ÀÆgÀÄ £ÀUÀgÀ, ‘zÉÃ±À-«zÉÃ±À ªÀåQÛUÀ½UÉ PÉ®¸À ªÀiÁqÀ®Ä ªÀÄvÀÄÛ fÃªÀ£À ¸ÁV¸À®Ä zÉÃ±ÀzÀ°ègÀÄªÀ ±ÉæÃµÀ× £ÀUÀgÀ’ JA§ SÁåw UÀ½¹zÉ.

1.2.3. 2014-15 gÀ°è PÀ£ÁðlPÀ gÁdåzÀ §gÀ ¥Àj¹Üw¬ÄAzÁV, 137 vÁ®ÆPÀÄUÀ¼À°è SÁjÃ¥sï ¨É¼É £Á±À ºÁUÀÄ 62 vÁ®ÆPÀÄUÀ¼À°è gÁ© ¨É¼É £Á±À¢AzÁV DºÁgÀ zsÁ£Àå GvÁàzÀ£É 16 ®PÀë l£ï £ÀµÀÄÖ PÀrªÉÄAiÀiÁ¬ÄvÀÄ. F PÁgÀt¢AzÀ 2014-15gÀ°è gÁdåzÀ DyðPÀvÉAiÀÄ ªÀÄlÖ 7.8% EzÀÄÝzÀÄ 2015-16 gÀ°è 6.2%PÉÌ PÀÄ¹¢zÉ. ¸ÉÃªÁ ªÀ®AiÀÄzÀ ̈ É¼ÀªÀtÂUÉ zÀgÀ 9.1% gÀ°èzÀÄÝ, PÉÊUÁjPÁ GvÁàzÀ£É 4.5% zÀgÀzÀ°è ¨É¼ÀªÀtÂUÉAiÀiÁUÀÄªÀ CAzÁdÄ ªÀiÁqÀ¯ÁVzÉ.

1.2.4. £ÀªÀÄä ¨ÁåAQ£À ±ÁSÁeÁ®zÀ 82% ±ÁSÉUÀ¼ÀÄ (31.03.2016 gÀ°èzÀÝAvÉ MlÄÖ 1037 ±ÁSÉUÀ¼À ¥ÉÊQ 850 ±ÁSÉUÀ¼ÀÄ) PÀ£ÁðlPÀzÀ°ègÀÄªÀÅzÀjAzÀ, E°è£À DyðPÀ ¨É¼ÀªÀtÂUÉAiÀÄ ªÉÄÃ¯É ̈ ÁåAQ£À ªÀåªÀºÁgÀ ¥ÀæUÀwAiÀÄÄ CªÀ®A©vÀªÁVzÉ. 2016-17 gÀ gÁdåzÀ DAiÀÄ-ªÀåAiÀÄzÀ°è ««zsÀ C©üªÀÈ¢Þ PÁAiÀÄðUÀ¼ÀÄ ªÀÄvÀÄÛ ¤AiÀÄAvÀæt PÁAiÀÄðPÀæªÀÄUÀ½UÁV vÉÆÃj¸À¯ÁzÀ RZÀÄð-ªÉZÀÑ ¥ÀæªÀiÁt ̀ 1,63,419 PÉÆÃnUÀ¼ÁVzÉ. EzÀgÀ°è gÉªÉ£ÀÆå RZÀÄð ¥ÀæªÀiÁt `1,30,236 PÉÆÃnUÀ¼ÀÄ ªÀÄvÀÄÛ §AqÀªÁ¼À «¤AiÉÆÃd£Á ªÉZÀÑ ¥ÀæªÀiÁt `26,371 PÉÆÃnUÀ¼ÁVzÉ. PÀ£ÁðlPÀ ¸ÀgÀPÁgÀzÀªÀgÀÄ zÁªÀtUÉgÉ ªÀÄvÀÄÛ ¨É¼ÀUÁA JgÀqÀÄ £ÀUÀgÀUÀ¼À£ÀÄß ¸Áämïð ¹n / PÉÊUÁjPÁ £ÀUÀgÀUÀ¼À£ÁßV C©üªÀÈ¢Þ¥Àr¸À®Ä GzÉÝÃ¹zÁÝgÉ. vÀÄªÀÄPÀÆj£À°è CzÁUÀ¯ÉÃ «±ÉÃµÀ DyðPÀ ªÀ®AiÀÄ WÉÆÃµÀuÉAiÀiÁVzÀÄÝ, DyðPÀ gÀAUÀzÀ°è CªÀPÁ±ÀUÀ¼ÀÄ ºÉZÀÄÑwÛgÀÄªÀ ̧ ÀAzÀ¨sÀðzÀ°è, ¨ÁåAQAUï ªÀåªÀºÁgÀ ªÀÈ¢ÞUÀÆ CªÀPÁ±À«zÉ. EzÀgÉÆA¢UÉ, ªÀÄÄA¨ÉÊ-¨ÉAUÀ¼ÀÆgÀÄ UÁå¸ï ¥ÉÊ¥ï ¯ÉÊ£ï AiÉÆÃd£ÉAiÀÄ£ÀÄß PÉÊUÉwÛPÉÆAqÀ°è ̈ ÁåAQAUï ªÀåªÀºÁgÀPÉÌ ªÀÄvÀÛµÀÄÖ ¥ÀÅ¶Ö zÉÆgÀPÀ°zÉ.

h¢& AmB©Q>r joÌ Ûmam CXmaVmnyU© `moJXmZ H$mo Ü`mZ _| aIZo dmbr AZw_mZ nÕ{V _| gwYma H$aZo Ho$ ~mX Xoe Ho$ OrS>rnr _| H$Zm©Q>H$ àXoe H$m `moJXmZ 5.5% go ~‹T>H$a 7% hmo J`m h¡& H$Zm©Q>H$ g~go ~‹S>m ~m`moQ>oH$ H|$Ð (nyao Xoe H$s ~m`moQ>oH$ H§$n{Z`m| H$m 28%), gm°âQ>do`a H$m g~go ~‹S>m {Z`m©VH$ - Xoe Ho$ 40 % gm°âQ>do`a {Z`m©V, gdm©{YH$ ñQ>mQ>©An (8 ^maVr` `y{ZH$mZ© _| go 5 - 36%), g~go A{YH$ g§»`m _| Ama E§S> S>r H|$Ð (44%), H$m°\$s H$m g~go ~‹S>m CËnmXH$ (amîQ´>r` CËnmXZ H$m 71%) h¡& gdm}ËH¥$îQ> gm_m{OH$ ~w{Z`mXr T>m§Mo Am¡a H$m°ñ_monm°{bQ>Z g§ñH¥${V dmbo ~¢Jbyê$ H$mo ^maV _| {deofkm| Ho$ {bE ahZo Am¡a H$m`© H$aZo H$m ‘loîR> ñWmZ’ H$m pIVm~ {_bm h¡&

1.2.3. H$Zm©Q>H$ H$s AW©ì`dñWm H$s {dH$mg Xa 2014-15 Ho$ 7.8 à{VeV go KQ>H$a 2015-16 _| 6.2 à{VeV hmo JB© {OgH$m H$maU Iar\$ Ho$ Xm¡amZ 137 VmbwH$m| _| VWm a~r Ho$ Xm¡amZ 62 VmbwH$m| _| gyIm n‹S>Zm h¡ {OgH$s dOh go ImÚmÝZ CËnmXZ 16 bmI Q>Z H$_ hmo J`m& godm joÌ 9.1 à{VeV H$s Xa na {dH$mg H$a ahm h¡ O~{H$ Am¡Úmo{JH$ joÌ Ho$ 4.5 à{VeV {dH$mg XO© H$s Anojm h¡&

1.2.4. h_mao ~¢H$ H$m H$mamo~ma {dH$mg A{YH$m{YH$ H$Zm©Q>H$ H$s AW©ì`dñWm na {Z^©a H$aVm h¡ Š`m|{H$ 82% emImE§ (1,037 emImAm| _| go 850 emIm§E, 31.03.2016 Ho$ AZwgma) H$Zm©Q>H$ _| pñWV h¢& ~OQ> AmH$ma Am¡a amÁ` `moOZm 2016-17 Ho$ AZwgma gaH$ma H$s {d{^Þ {dH$mg J{V{d{Y`m| Am¡a {d{Z`m_H$ H$m`m] na AZw_m{ZV Hw$b ì`` `1,63,419 H$amo‹S> h¢, {Og_| `1,30,236 H$amo‹S> H$m amOñd ì``, `26,371 H$amo‹S> H$m ny§Or ì`` em{_b h¡& H$Zm©Q>H$ gaH$ma H$s `moOZm Vw_Hy$é _| nhbo go hr àñVm{dV EgB©OoS> Ho$ Abmdm XmdUJoao Am¡a ~obJmdr _| Xmo Am¡Úmo{JH$ Q>mCZ{en/ ñ_m©Q> {gQ>r ñWm{nV H$aZo H$s h¡, Omo AW©ì`dñWm Am¡a {deof ê$n go ~¢qH$J joÌ Ho$ {bE d¥{ÕV {dH$mg Adga CnbãY H$admEJm& _w§~B©-~¢Jbyê$ J¡g nmBnbmBZ H$s ewéAmV Bg à`mg H$mo Am¡a A{YH$ ~‹T>mdm XoJr&



2. REVIEW OF BANKING

OPERATIONS

2.1. Market Share and Business

Growth: The business levels of the Bank

and the position of market share in recent

years are furnished hereunder:-

2.1.2. The growth in Deposits have

been quite impressive, with aggregate

deposits reaching a level of ̀ 70,244 crs,

a growth of `5,186 crs over the previous

year at a rate of 8%. The growth in Non

Bulk deposit at 16.4% is in tune with the

past trend and in accordance with our

conscious policy of shedding high cost/

bulk deposits.

However, growth in Advances have

been sluggish due to subdued

investment climate resulting in lower

off take of advances particularly in

Corporate Sector. The total advances

have reached a level of `55,418 crs,

recording a growth of `2,122 crs over

the previous year at a growth rate of

4.0%. As on 18.03.2016 the Bank’s

market share of Deposits declined to

0.73% along with Bank’s market share

of Advances which has decreased to

0.74% from 0.78%.

* 18.03.2016 gÀAzÀÄ J.J¸ï.¹.©.UÉ ºÉÆÃ°PÉ {XZm§H$ 18.03.2016 Ho$ AZwgma EEggr~r ASCB as on 18.03.2016

31£ÉÃ ªÀiÁZïð£À ªÀµÁðAvÀåPÉÌ 31 _mM© H$mo g_má df© Year ended 31st March

2011 2012 2013 2014 2015 2016

MlÄÖ oÉÃªÀtÂUÀ¼ÀÄ Hw$b O_mE§ Aggregate Deposits(±ÉÃ. C©üªÀÈ¢Þ d¥{Õ H$s à{VeVVm Percentage of growth)

42,779

(11.3)

49,663

(16.1)

56,712

(14.2)

61,087

(7.7)

65,058

(6.5)

70,244

(8)

CzÀgÀ°è £Á£ï§¯ïÌ oÉÃªÀtÂUÀ¼ÀÄ (%) BZ_| go J¡a-WmoH$ O_mE± (%)Of which Non-Bulk Deposits (%)

29,844

(69.9)

35,041

(70.6)

42,360

(74.7)

50,753

(83.1)

53,431

(82.1)

62,167

(88.5)

£Á£ï§¯ïÌ oÉÃªÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉ (%) J¡a-WmoH$ O_mAm| _| d¥{Õ (%) Growth in Non-Bulk Dep (%)

(7.7) (17.4) (20.9) (19.8) (5.3) (16.4)

ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä (%) O_mE± ~mOmar {hñgm (%) Deposits Market share (%)

0.79 0.78 0.83 0.76 0.76 0.73*

MlÄÖ ªÀÄÄAUÀqÀUÀ¼ÀÄ Hw$b A{J«_ Total Advances(±ÉÃ. C©üªÀÈ¢Þ d¥{Õ H$s à{VeVVm % of growth)

34,442

(15.3)

40,653

(18.0)

45,981

(13.1)

50,862

(10.6)

53,296

(4.8)

55,418

(4.0)

ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä (%) A{J«_ ~mOmar {hñgm (%) Advances Market share (%)

0.87 0.85 0.85 0.79 0.78 0.74*

(` PÉÆÃnUÀ¼À°è ` H$amoS> _| ` in crores)

2. ¨ÁåAQAUï PÁAiÀÄð¤ªÀðºÀuÉAiÀÄ CªÀ¯ÉÆÃPÀ£À

2.1. ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä ªÀÄvÀÄÛ ªÀåªÀºÁgÀ ¥ÀæUÀw: Fa£À ªÀµÀðUÀ¼À°è ¨ÁåAQ£À ªÀåªÀºÁgÀ ªÀÄlÖ ªÀÄvÀÄÛ ªÀiÁgÀÄPÀmÉÖ ¥Á®£ÀÄß PÉ¼ÀV£À PÉÆÃµÀÖPÀzÀ°è ¤ÃqÀ¯ÁVzÉ.

2. ~¢qH$J n[aMmbZ H$s g_rjm

2.1. ~mOmar {hñgm Am¡a ì`dgm` d¥{Õ: ~¢H$ Ho$ H$mamo~ma ñVa Am¡a hmb Ho$ dfm] _| ~mOma _| ^mJrXmar H$s pñW{V {ZåZ{bpIV h¡:

2.1.2. ¨ÁåAQ£À oÉÃªÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉAiÀÄÄ

vÀÄA¨Á DPÀµÀðPÀªÁVzÀÄÝ, MlÄÖ oÉÃªÀtÂUÀ¼ÀÄ

±ÉÃ.8% gÀµÀÄÖ CAzÀgÉ `5,186 PÉÆÃn ¨É¼ÀªÀtÂUÉ

PÀArzÀÄÝ, `70,244 PÉÆÃnUÀ½UÉ vÀ®Ä¦zÉ. F

»A¢£ÀAvÉ, §ÈºÀvï ªÉÆvÀÛªÀ®èzÀ oÉÃªÀtÂUÀ¼À

¨É¼ÀªÀtÂUÉAiÀÄÄ ±ÉÃ.16.4% DVzÀÄÝ, C¢üPÀ ªÉZÀÑzÀ

§ÈºÀvï oÉÃªÀtÂUÀ¼À£ÀÄß PÀrªÉÄ ªÀiÁqÀÄªÀ°è £ÁªÀÅ

¥Á°¸ÀÄwÛgÀÄªÀ ¤ÃwAiÀÄ°è ¸À¥sÀ®gÁVzÉÝÃªÉ.

DzÀgÉ ªÀÄÄAUÀqÀUÀ¼À ¨É¼ÀªÀtÂUÉAiÀÄÄ

ªÀÄAzÀUÀwAiÀÄ°èzÀÄÝ EzÀPÉÌ PÁ¥ÉÇðgÉÃmï

ªÀ®AiÀÄzÀ ªÀÄÄAUÀqÀUÀ¼À°è DzÀ PÀrªÉÄ

¥ÀæªÀiÁtzÀ ªÀÈ¢Þ PÁgÀtªÁVzÉ. MlÄÖ

ªÀÄÄAUÀqÀUÀ¼ÀÄ ±ÉÃ.4.0 gÀµÀÄÖ, CAzÀgÉ `2,122

PÉÆÃn ¨É¼ÀªÀtÂUÉ PÀArzÀÄÝ, `55,418

PÉÆÃnAiÀÄ£ÀÄß vÀ®Ä¦zÉ. 18.03.2016gÀAvÉ,

oÉÃªÀtÂUÀ¼À°è ¨ÁåAQ£À ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä

±ÉÃ.0.73PÉÌ E½PÉAiÀiÁVzÉ ªÀÄvÀÄÛ ªÀÄÄAUÀqÀUÀ¼À°è

¨ÁåAQ£À ªÀiÁgÀÄPÀmÉÖ ¥Á®Ä ±ÉÃ. 0.78 jAzÀ

±ÉÃ.0.74PÉÌ vÀÄ¸ÀÄ E½PÉAiÀiÁVzÉ.

2.1.2. O_mAm| _| d¥{Õ àe§gZr` ahr h¡& Hw$b O_m {nN>bo df© go ̀ 5,186 H$amo ‹S> H$s d¥{Õ Ho$ gmW `70,244 H$amo ‹S> Ho$ ñVa na nhþ§Mo {Og_| 8% H$s d¥{Õ hþB©& {nN>br àd¥{Îm Ed§ Cƒ bmJV O_m/WmoH$ O_mAm| H$mo N>moS>Zo H$s h_mar gKZ Zr{V Ho$ H$maU J¡a WmoH$ O_mAm| _| 16.4% H$s d¥{Õ hþB©&

{\$a ^r, X_ZH$mar {Zdoe _mhm¡b Ho$ H$maU A{J«_m| Am¡a {deof ê$n go H$m°nm}aoQ> joÌ _| A{J«_m| _| H$_r Ho$ MbVo A{J«_m| _| d¥{Õ H$_Omoa ahr& Hw$b A{J«_ {nN>bo df© go `2,122 H$amo ‹S> H$s d¥{Õ Ho$ gmW `55,418 H$amo ‹S> Ho$ ñVa na nhþ§Mo {Og_| 4.0% H$s d¥{Õ hþB©& 18.03.2016 Ho$ AZwgma O_mAm| _| ~¢H$ H$m ~mOmar {hñgm KQ>H$a 0.73% hmo J`m Am¡a A{J«_m| _| ~¢H$ H$m ~mOmar {hñgm 0.78% go {JaH$a 0.74% hmo J`m&



MlÄÖ DzÁAiÀÄ Hw$b Am` TOTAL INCOME

Interest from Adv.

Interest from Others

Treasury Income

Commission

(incl. Govt. Comm)

Others

69%

21%

7%

2%

1%

2.2 Key Performance Indicators

PÀæ.¸ÀA.H«$.g§.Sl. No.

ªÀÄÄSÁåA±ÀUÀ¼ÀÄ CnbpãY`m§ Key Indicators 2012-13 2013-14 2014-15 2015-16

1. ¤ªÀé¼À ¯Á¨sÀ (` PÉÆÃnUÀ¼À°è) {Zdb bm^ (` H$amoS>m| _|) Net Profit (`. in crs) 416.10 274.25 409 3582. D¹ÛUÀ¼À ¥Àæw¥sÀ® (%) AmpñV`m| na à{Vbm^ (%) Return on Assets (%) 0.66 0.40 0.54 0.443. FQén µÉÃgÀÄUÀ¼À ¥Àæw¥sÀ® (%) B©{¹$Q>r na à{Vbm^ (%) Return on Equity (%) 11.05 6.84 9.40 7.684. ªÉZÀÑ-DzÁAiÀÄ C£ÀÄ¥ÁvÀ (%)* ì``-Am` AZwnmV (%)* Expenses – Income Ratio (%)* 46.26 53.40 53.34 57.225. ¥Àæw µÉÃj£À UÀ½PÉ (` UÀ¼À°è)* à{Veo`a AO©Z (` _|)* Earnings per Share (in `.)* 88.91 57.39 85 75

6.MlÄÖ ªÀÄÄAUÀqÀUÀ½UÉ MlÄÖ ¤¶ÌçAiÀÄ D¹ÛUÀ¼À C£ÀÄ¥ÁvÀ (%)* gH$b A{J«_m| _| gH$b AZO©H$ AmpñV`m§ (%)* Gross NPA to Gross Advances (%)* 4.53 5.54 4.00 6.56

7.¤ªÀé¼À ªÀÄÄAUÀqÀUÀ½UÉ ¤ªÀé¼À ¤¶ÌçAiÀÄ D¹ÛUÀ¼ÀÄ (%)* {Zdb A{J«_ _| {Zdb AmpñV`m§ (%)* Net NPA to Net Advance (%)* 2.69 3.29 2.16 4.18

8. oÉÃªÀtÂ ªÉZÀÑ O_m bmJV Cost of Deposit (%)* 7.32 7.21 7.25 6.879. ªÀÄÄAUÀqÀUÀ¼À ¥Àæw¥sÀ® A{J«_m| na àm{á Yield on Advances (%)* 11.62 10.93 11.11 10.49

10. ¤ªÀé¼À §rØ CAvÀgÀ EZAmB©E_ NIM (%)* 3.22 3.02 2.98 2.84

* Due to compliance with RBI guidelines

on Asset Quality Review, the Bank had to

make substantially much higher provision

on Standard/Restructured advances,

thereby adversely impacting the Asset

Quality and profitability parameters.

2.3. Income

Total Income of the Bank increased by

3%, from `7,708 crs as at March 2015

to `7,938 crs in March 2016. Interest

Income increased from `6,940 crs to

`7,128 crs (2.7%). Average Yield on

Advances declined from 11.11% during

2014-15 to 10.49% during 2015-16,

while Average Yield on Investments

decreased from 7.74% in March 2015

to 7.72% during the same period. Non-

Interest Income increased marginally

by 5% from `767 crs to `810 crs. The

ratio of Non-Interest Income to Total

Income, therefore, stood at 10.20%

(9.96% last year).

2.4. Expenses

The Total Expenditure (before provisions

and contingencies) increased by `310

crs, from `6,376 crs in 2014-15 to

`6,686 crs in 2015-16. While Interest

Expenses increased by `159 crs

* Dgï©L ªÀiÁUÀðzÀ±Àð£ÀUÀ¼À C£ÀÄ¸ÁgÀ D¹ÛUÀ¼À UÀÄtªÀÄlÖ ¥ÀÄ£ÀgÁªÀ¯ÉÆÃPÀ£ÀªÁVzÉ. CzÀgÀAvÉ ²µÀÖ/ªÀÄgÀÄgÀavÀ ªÀÄÄAUÀqÀUÀ½UÀAvÀÆ C¢üPÀ «ÄÃ¸À®Ä Ej¸À¨ÉÃPÁVzÉ. EzÀÄ D¹ÛUÀ¼À UÀÄtªÀÄlÖ ªÀÄvÀÄÛ ¯Á¨sÀzÀ ªÉÄÃ¯É ªÀåwjPÀÛ ¥ÀjuÁªÀÄ ©ÃjzÉ.

* AmpñV JwUdÎmm g_rjm na Ama~rAmB© {Xem{ZX}em| Ho$ AZwnmbZ Ho$ H$maU ~¢H$ H$mo _mZH$/ nwZgªa{MV A{J«_m| na A{YH$ CƒrVa àmdYmZ H$aZm n‹S>m, {OgHo$ H$maU AmpñV JwUdÎmmm Am¡a bm^àXVm _mZH$m| na à{VHy$b à^md n‹S>m&

2.2 {d{eï> CnbpãY gyÀ`m§H$ 2.2 ¸ÁzsÀ£ÉAiÀÄ ªÀÄÄSÁåA±ÀUÀ¼ÀÄ

2.3. DzÁAiÀÄ:

¨ÁåAQ£À MlÄÖ DzÁAiÀÄªÀÅ ±ÉÃ. 3gÀµÀÄÖ C©üªÀÈ¢ÞAiÀiÁVzÀÄÝ, ªÀiÁZïð 2015gÀ°è `7708 PÉÆÃn EzÀÝ MlÄÖ DzÁAiÀÄªÀÅ ªÀiÁZïð 2016gÀ°è `7938 PÉÆÃnUÀ½UÉÃjzÉ. §rØ DzÁAiÀÄªÀÅ ̀ 6940 PÉÆÃnUÀ½AzÀ ̀ 7128 PÉÆÃnUÉ KjzÉ (2.7%). ªÀÄÄAUÀqÀUÀ¼À ªÉÄÃ°£À

2.3. Am`~¢H$ H$s Hw$b Am` _| 3% H$s d¥{Õ hþB© Omo _mM© 2015 Ho$ `7,708 H$amo‹S> go ~T>H$a _mM© 2016 VH$ `7,938 H$amo‹S> VH$ nhþ±Mr& ã`mO Am` `6,940 H$amo‹S> go `7,128 H$amo‹S> VH$ d¥{ÕV hþB© (2.7%)& A{J«_m| na Am¡gV àm{á 2014-15 Ho$ 11.11% go KQ>H$a df© 2015-16 Ho$ Xm¡amZ 10.49% hmo



MlÄÖ ªÉZÀÑUÀ¼ÀÄ Hw$b ì`` TOTAL EXPENDITURE

Interest paid on Deposits

Other Interest Paid

Staff Expenses

Overheads

70%

15%

5%

10%

(3.3%), the Operating Expenses

increased by `150 crs (9.9%) during

the current year. The Average Cost of

Deposits however declined from 7.25%

in March,2015 to 6.87% in March,2016

owing to cut in Policy/Bank rate and its

transmission to customer, increase in

CASA share from 33.73% (31.03.15) to

34.6% (31.03.16) beside decrease in

higher cost bulk deposits.

2.5. Profit

The Operating Profit declined from

`1,331 crs in 2014-15 to `1,252 crs in

2015-16 , the Net Profit declined from

`409 crs to `358 crs .The decline in

Operating Profit has been moderate @

6% with Interest expenses increasing

by only 3%, despite increase in deposit

base and consequently rise in cost

of servicing in the form of Staff and

Overheads. However decline in Net

Profit has been steeper by 12%

over previous year, consequent upon

additional provisioning warranted by

AQR.

2.6. Dividend

Keeping in mind the need to

strengthen Tier I capital of the Bank

in the current economic scenario,

the Board of Directors has declared

¸ÀgÁ¸Àj UÀ½PÉAiÀÄÄ 2014-15gÀ°èzÀÝ ±ÉÃ.11.11 jAzÀ 2015-16gÀ°è ±ÉÃ. 10.49PÉÌ E½PÉAiÀiÁVzÉ. EzÉÃ CªÀ¢üAiÀÄ°è, «¤AiÉÆÃd£ÉUÀ¼À ªÉÄÃ°£À ¸ÀgÁ¸Àj DzÁAiÀÄªÀÅ ±ÉÃ.7.74 jAzÀ ±ÉÃ.7.72PÉÌ E½PÉAiÀiÁVzÉ. §rØAiÉÄÃvÀgÀ DzÁAiÀÄzÀ°è ±ÉÃ.5gÀµÀÄÖ ¸ÁªÀiÁ£Àå KjPÉAiÀiÁVzÉ. EzÀÄ `767 PÉÆÃnUÀ½AzÀ `810 PÉÆÃnUÀ½UÉ KjzÉ, §rØAiÉÄÃvÀgÀ DzÁAiÀÄzÀ C£ÀÄ¥ÁvÀªÀÅ MlÄÖ DzÁAiÀÄzÀ ±ÉÃ.10.20 gÀ¶ÖzÉ. (»A¢£À ªÀµÀð 9.96%)

2.4. ªÉZÀÑUÀ¼ÀÄ

MlÄÖ ªÉZÀÑ (ªÀÄÄ£ÉßÃ¥ÁðlÄ ªÀÄvÀÄÛ ¸Á¢¯ÁégÀÄUÀ½UÉ ªÀÄÄ£Àß) `310 PÉÆÃnAiÀÄµÀÄÖ ºÉZÀÑ¼ÀUÉÆArzÉ. EzÀÄ 2014-15 gÀ°è `6376 PÉÆÃn DVzÀÄÝ, 2015-16gÀ°è `6686 PÉÆÃn DVzÉ. §rØ ªÉZÀÑªÀÅ `159 PÉÆÃnUÀ¼ÀµÀÄÖ (±ÉÃ. 3.3) ºÉZÀÑ¼ÀUÉÆArzÉ. F ªÀµÀð ¤ªÀðºÀuÁ ªÉZÀÑªÀÅ `150 PÉÆÃn (±ÉÃ. 9.9) UÀ¼ÀµÀÄÖ ºÉZÀÑ¼ÀUÉÆArzÉ. ¨ÁåAPï zÀgÀ/¤ÃwAiÀÄ°è PÀrvÀªÀiÁr CzÀ£ÀÄß UÁæºÀPÀjUÉ ªÀUÁð¬Ä¹zÀÝjAzÀ F ªÀµÀð oÉÃªÀtÂUÀ¼À ªÉÄÃ°£À ¸ÀgÁ¸Àj ªÉZÀÑªÀÅ ªÀiÁZïð 2015gÀ°è ±ÉÃ.7.25 EzÀÝzÀÄÝ, ªÀiÁZïð 2016gÀ°è ±ÉÃ.6.87PÉÌ PÀrvÀUÉÆArzÉ. CASA oÉÃªÀtÂUÀ¼À ¥Á®Ä ±ÉÃ.33.73 jAzÀ (31.3.2015) ±ÉÃ.34.6 PÉÌ (31.03.2016) KjPÉAiÀiÁVzÀÄÝ, ºÉaÑ£À §rØAiÀÄ §ÈºÀvï ªÉÆvÀÛzÀ oÉÃªÀtÂUÀ¼À E½PÉAiÀiÁVzÉ.

2.5. ¯Á¨sÀ

¨ÁåAQ£À ¤ªÀðºÀuÁ ¯Á¨sÀªÀÅ 2014-15gÀ°è `1331 PÉÆÃn EzÀÝzÀÄÝ, 2015-16gÀ°è `1252 PÉÆÃnUÀ½UÉ E½PÉAiÀiÁVzÉ. ¤ªÀé¼À ¯Á¨sÀªÀÅ `409 PÉÆÃnUÀ½AzÀ, `358 PÉÆÃnUÀ½UÉ E½PÉAiÀiÁVzÉ. ªÀÄÄAUÀqÀUÀ¼À ªÉÄÃ°£À DzÁAiÀÄzÀ°è PÉÃªÀ® ±ÉÃ. 3 gÀµÀÄÖ ªÀÈ¢Þ, oÉÃªÀtÂAiÀÄ ªÀÄÆ®zÀ°è ªÀÈ¢Þ ºÁUÀÆ ¹§âA¢ ºÁUÀÆ EvÀgÉ RZÀÄðUÀ¼À°è ºÉZÀÑ¼ÀªÁVzÀÝgÀÆ ¤ªÀðºÀuÁ ¯Á¨sÀzÀ°è ±ÉÃ. 6gÀµÀÄÖ C®à »£ÀßqÉAiÀiÁUÉzÉ. DzÀgÉ »A¢£À ªÀµÀðPÉÌ ºÉÆÃ°¹zÁUÀ ¤ªÀé¼À ¯Á¨sÀzÀ°è DVgÀÄªÀ ±ÉÃ. 12 gÀ C¢üPÀ »£ÀßqÉAiÀÄÄ D¹Û UÀÄtªÀÄlÖ ¤ªÀðºÀuÉUÁV ªÀiÁrzÀ ºÉaÑ£À ªÀÄÄ£Éß¥ÁðlÄ PÁgÀt¢AzÁVzÉ.

JB© O~{H$ Bgr Ad{Y _| {Zdoem| na Am¡gV àm{á _mM© 2015 Ho$ 7.74% go 7.72% VH$ H$_ hþB©& ã`mOoVa Am` _| `767 H$amo‹S> go `810 H$amo‹S> VH$ 5% H$s gr_m§V d¥{Õ hþB©& Bg{bE Hw$b Am` _| ã`mOoVa Am` H$m AZwnmV 10.20% ({nN>bo df© 9.96%) Ho$ ñVa na nhþ±Mm&

2.4. ì``

Hw$b ì`` (àmdYmZm| Am¡a AmH$pñ_H$VmAm| go nyd©) _| `310 H$amo‹S> H$s d¥{Õ hþB© Omo df© 2014-15 Ho$ `6,376 H$amo‹S> go df© 2015-16 _| `6,686 H$amo‹S> VH$ nhþ±Mm& Mmby df© Ho$ Xm¡amZ ã`mO ì`` _| `159 H$amo‹S> (3.3%), n[aMmbZ ì`` _| `150 H$amo‹S> (9.9%) H$s d¥{Õ hþB©& hbm§{H$ Zr{VJV/ ~¢H$ Xam| _| H$Q>m¡Vr Am¡a CZHo$ J«mhH$ H$mo A§VaU Ho$ H$maU O_mAm| Ho$ Am¡gV _yë` _mM© 2015 _| 7.25% go _mM© 2016 _| 6.87% VH$ KQ> JE& H$mgm {hñgo _| 33.73% (31.03.2015) go 34.6% (31.03.2016) H$s d¥{Õ Am¡a Cƒ bmJV WmoH$ O_mAm| _| {JamdQ> AmB©&

2.5. bm^

n[aMmbZr` bm^ df© 2014-15 Ho$ `1,331 H$amo‹S> go KQ>H$a df© 2015-16 _| `1,252 hmo J`m O~{H$ {Zdb bm^ `409 H$amo‹S> go KQ>H$a `358 H$amo‹S> hmo J`m& ã`mO ì`` Ho$db 3% H$s ~moËVar O_m AmYma _| d¥{Õ Ho$ ~mdOyX ñQ>m\$ ì`` Ed§ Cn[aì``m| H$s d¥{Õ Ho$ n[aUm_ñdê$n n[aMmbZr` bm^ _| 6% H$s gmYmaU H$_r AmB©& {\$a ^r {nN>bo dfm] H$s VwbZm _| {Zdb bm^ _| 12% H$s ^mar H$_r AmB©, {OgH$m H$maU EŠ ỳAma _| dm§{N>V A{V[aŠV àmdYmZrH$aU ahm&



MlÄÖ oÉÃªÀtÂ Hw$b O_m am{e AGGREGATE DEPOSITS

70000

60000

50000

40000

30000

20000

10000

0 2012 2013 2014 2015 2016

49663

5761261087

65058

70244

(` in Crores)

a dividend of 60% (`6 per Equity

share of `10/-) for the year 2015-

16. This involved a pay-out of `28.80

crs, excluding the tax component.

The pay-out ratio for dividend works

out to 8.05%, as against 7.05% for

2014-15.

3. BUSINESS REVIEW

3.1. Deposits :

Total Deposits of the Bank grew by

`4,505 crs, to reach the level of ̀ 70,569

crs. Aggregate Deposits (total deposits

excl. inter Bank deposits) stood at

`70,244 crs as at March 2016,

recording a growth of `5,186 crs

(8%) during the year. The share of

CASA deposits to Aggregate Deposits

increased from 33.73% in March 2015

to 34.6% in March 2016.

3.1.1. Personal Segment Deposits

Personal segment deposits grew by

`5,164 crs, registering a growth of

13.5% to reach a level of `43,507

crs as on 31st March 2016 and now

account for 62% of total deposit. NRE

deposit registered a growth of 17%,

SB by 16% and Term Deposit by 13%.

The number of deposit accounts under

Personal segment have increased by

8,92,123 during the year.

2.6. ¯Á¨sÁA±À: (r«qÉAqï)

¥Àæ¸ÀPÀÛ DyðPÀ ¸À¤ßªÉÃ±ÀzÀ°è ¨ÁåAQ£À ªÉÆzÀ®£ÉAiÀÄ ¸ÀÛgÀzÀ §AqÀªÁ¼ÀªÀ£ÀÄß §®¥Àr¸ÀÄªÀ zÀÈ¶Ö¬ÄAzÀ, 2015-16£ÉÃ ¸Á°UÉ ±ÉÃ.60 ¯Á¨sÁA±ÀªÀ£ÀÄß (`10/- ªÀÄÄR¨É¯ÉAiÀÄ ¥Àæw FQén µÉÃj£À ªÉÄÃ¯É `6 r«qÉAqï) ¤zÉÃð±ÀPÀ ªÀÄAqÀ½AiÀÄÄ WÉÆÃ¶¹zÉ. EzÀgÀ MlÄÖ ¥ÁªÀw ªÉÆvÀÛªÀÅ, vÉjUÉ ¨Á§ÄÛ ºÉÆgÀvÀÄ¥Àr¹ `28.80 PÉÆÃnUÀ¼ÁVªÉ. ¥ÁªÀw C£ÀÄ¥ÁvÀªÀÅ 2014-15PÉÌ ºÉÆ°¹zÁUÀ ±ÉÃ.7.05 jAzÀ 8.05 gÀµÁÖVzÉ.

3. ªÀåªÀºÁgÀ ¸À«ÄÃPÉë

3.1. oÉÃªÀtÂUÀ¼ÀÄ

¨ÁåAQ£À ¸ÀªÀÄUÀæ oÉÃªÀtÂUÀ¼ÀÄ `4,505 PÉÆÃn ºÉZÀÑ¼ÀUÉÆArzÀÄÝ, MlÄÖ `70,569 PÉÆÃnUÀ¼À£ÀÄß vÀ®Ä¦zÉ. MlÄÖ oÉÃªÀtÂUÀ¼ÀÄ (¸ÀªÀÄUÀæ oÉÃªÀtÂAiÀÄ°è CAvÀgï ¨ÁåAPï oÉÃªÀtÂ ºÉÆgÀvÀÄ¥Àr¹) ªÀiÁZïð 2016gÀ°è `70,244 PÉÆÃn DVzÀÄÝ, `5,186 PÉÆÃn (8%) ºÉZÀÑ¼À PÀArªÉ. MlÄÖ oÉÃªÀtÂAiÀÄ°è CASA oÉÃªÀtÂUÀ¼À ¥Á®Ä ªÀiÁZïð 2015gÀ°è ±ÉÃ.33.73 EzÀÝzÀÄÝ, ªÀiÁZïð 2016gÀ°è ±ÉÃ.34.6PÉÌ KjPÉAiÀiÁVzÉ.

3.1.1. ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉÃªÀtÂUÀ¼ÀÄ

ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉÃªÀtÂUÀ¼ÀÄ ̀ 5,164 PÉÆÃn ¨É¼ÀªÀtÂUÉ PÀArzÀÄÝ, 13.5% ̈ É¼ÀªÀtÂUÉAiÉÆA¢UÉ 31£ÉÃ ªÀiÁZïð 2016gÀAzÀÄ `43,507 PÉÆÃn vÀ®Ä¦zÀÄÝ EzÀÄ MlÄÖ oÉÃªÀtÂAiÀÄ ±ÉÃ. 62 gÀ¶ÖzÉ. J£ïDgïE oÉÃªÀtÂ 17%, G½vÁAiÀÄ oÉÃªÀtÂ 16%, CªÀ¢ü oÉÃªÀtÂ 13% C©üªÀÈ¢Þ DVªÉ. ¥Àæ¸ÀPÀÛ ªÀµÀðzÀ°è, F ªÀµÀð ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ°è 8,92,123 SÁvÉUÀ¼ÀÄ ºÉZÀÑ¼ÀUÉÆArªÉ.

3.1.2 ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ oÉÃªÀtÂUÀ¼À ¨É¼ÀªÀtÂUÉ ºÉaÑ¸À¯ÉAzÀÄ, 10-18 ªÀµÀðzÀ «zÁåyðUÀ½UÁV “«zÁåyð ̧ ÀAZÀAiÀiï” JA§ ¸ÉÃ«AUïì SÁvÉ ºÁUÀÆ ¤UÀ¢vÀ CªÀ¢üAiÉÆ¼ÀUÉ »A¥ÀqÉAiÀÄ¯ÁUÀzÀ `15 ¯PÀë¢AzÀ `10 PÉÆÃnAiÀÄªÀgÉV£À C¢üPÀ §rØ ºÉÆA¢zÀ “ªÉÄÊ ¨ÁåAPï ¸ÀÄzsÀ£ï” JA§ JgÀqÀÄ ºÉÆ¸À oÉÃªÀtÂ AiÉÆÃd£ÉUÀ¼À£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.

2.6. bm^m§e

dV©_mZ Am{W©H$ n[adoe H$mo Ü`mZ _| aIVo hþE, ~¢H$ Ho$ Q>m`a-I H$mo _O~yV H$aZo Ho$ CÔoí` go {ZXoeH$ _§S>b Zo df© 2015-16 Ho$ {bE 60% H$m A§V[a_ bm^m§e (`10/- Ho$ à{V B©{¹$Q>r eo`a na `6.00) Kmo{fV {H$`m h¡& `h am{e, H$a N>moS>H$a `28.80 H$amo‹S> hmoJr& ^wJVmZ AZwnmV df© 2014-15 Ho$ 7.05% Ho$ à{V df© 2015-16 _| 8.05% hmoVm h¡&

3. ì`dgm{`H$ g_rjm

3.1. O_mE§:

~¢H$ H$s Hw$b O_m _| `4,505 H$amo‹S> H$s d¥{Õ hþB© Am¡a ̀ h ̀ 70,569 H$amo‹S> H$m ñVa na nhþ±Mr& g_J« O_m am{e (A§Va ~¢H$ O_m H$mo N>mo‹S>H$a Hw$b O_mE±) _mM© 2016 VH$ `70,244 H$amo‹S> VH$ nhþ±Mr {Og_| `5,186 H$amo‹S> (8%) H$s ~T>moÎmar XO© hþB©& Hw$b O_m _| H$mgm O_m _mM© 2015 Ho$ 33.73% go _mM© 2016 34.6% VH$ d¥{ÕV hþB©&

3.1.1. d¡`{º$H$ IÊS> O_mE±

d¡`{º$H$ IÊS> O_m Ho$ VhV `5,164 H$amo‹S> H$s d¥{Õ hþB© {Og_| 13.5% H$s d¥{Õ XO© hþB© Am¡a 31 _mM© 2016 VH$ `43,507 H$amo‹S> H$m ñVa nhþ±Mr Am¡a A~ `h Hw$b O_mAm| H$m 62% h¡& EZAmaB© O_mAm| _| 17%, Eg~r _| 16% Am¡a gmd{Y O_mAm| _| 13% H$s d¥{Õ XO© hþB©& df© Ho$ Xm¡amZ, d¡`{º$H$ IÊS> Ho$ A§VJ©V O_m ImVm| H$s g§»`m _| 8,92,123 H$s ~T>moÎmar hþB© h¡&



MlÄÖ ªÀÄÄAUÀqÀ Hw$b A{J«_ TOTAL ADVANCES

60000

50000

40000

30000

20000

10000

0 2011 2012 2013 2014 2015 2016

34,442

45,981

53,296

40,653

50,86255,418

(` in Crores)

3.1.2 To further boost deposits growth

under Personal segment, two new

deposit products were introduced viz.

“Vidyarthi Sanchay” - a Savings Bank

account Scheme targeting students

in the age group of 10-18 years and

“Mybank Sudhan” - a Non-callable Term

Deposit scheme in the range of `15 lac

to ̀ 10 cr with additional interest incentive

for foregoing the option of premature

payment of deposits.

3.1.3 DEPOSITORS EDUCATION

AND AWARENESS FUND

(DEAF) SCHEME 2014

“Pursuant to the amendment of the

Banking Regulation Act, 1949, and under

the provision of section 26A inserted, the

amount to the credit of any account in

India with any Bank, which has not been

operated upon for a period of 10 years

and more shall be credited to the Fund

within a period of three months from

the expiry of said period of ten years.

The amount due under the Scheme is

to be transferred to DEAF account with

Reserve Bank of India before closing of

the banking hours of the last working day

of every month”.

‘The Bank has so far transferred a sum

of ̀ 57.95 crs to DEAF account from June

2014 to December 2015 and submitted

claims to the extent of `28.75 lac in

respect of 75 accounts.’

3.2. Credit Expansion

3.2.1. The total advances of the

Bank increased from `53,296 crs to

`55,418 crs, thus registering a growth of

`2,122 crs (4.0%) during the year. Net

advances (i.e. net of NPA related/floating

Provisions, and outstanding under Staff

Festival Advance) of the Bank increased

from `52,025 crs in March 2015 to

`53,954 crs. Credit Deposit Ratio of

the Bank decreased from 81.9% in

March 2015 to 79.67% in March 2016

due to our highly selective approach in

taking further exposure in the Corporate

sector which has registered a decline of

3%.However other retail Segments have

registered overall 11.3% growth.

3.1.3 oÉÃªÀtÂzÁgÀgÀ ²PÀët ªÀÄvÀÄÛ eÁUÀÈw ¤¢ü (rEJJ¥sï) 2014 AiÉÆÃd£É

¨ÁåAQAUï ¤AiÀÄAvÀæt PÁ¬ÄzÉ 1949gÀ ¨sÁUÀ 26(J)UÉ DzÀ wzÀÄÝ¥ÀrUÉ C£ÀÄ¸ÁgÀªÀV AiÀiÁªÀÅzÉÃ ¨ÁåAQ£À°ègÀÄªÀ AiÀiÁªÀÅzÉÃ SÁvÉAiÀÄ°è ºÀvÀÄÛ ªÀµÀðUÀ¼ÀªÀgÉUÉ ªÀåªÀºÁgÀ ¤ªÀðºÀuÉ DUÀ¢zÀÝ°è D SÁvÉAiÀÄ°è£À oÉÃªÀtÂAiÀÄ£ÀÄß Dgï©L£À°ègÀÄªÀ rEJJ¥sï SÁvÉUÉ ªÀUÁð¬Ä¸À¨ÉÃPÉA§ ¤AiÀÄªÀÄªÀ£ÀÄß ¨ÁåAPÀÄ ¥Á°¸ÀÄwÛzÉ. F ªÀUÁðªÀuÉ ¥ÀæQæAiÉÄ ¥Àæw wAUÀ¼À PÉÆ£ÉAiÀÄ PÁAiÀÄð¤ªÀðºÀuÁ ¢£ÀzÀAzÀÄ ¨ÁåAQAUï ªÀåªÀºÁgÀ ¸ÀªÀÄAiÀÄ ªÀÄÄPÁÛAiÀÄPÉÌ ªÉÆzÀ®Ä ªÀiÁqÀ¨ÉÃPÁUÀÄvÀÛzÉ.

CzÀgÀAvÉ dÆ£ï 2014jAzÀ r¸ÉA§gï 2015gÀªÀgÉUÉ `57.95 PÉÆÃnUÀ¼À£ÀÄß rEJJ¥sï SÁvÉUÉ ªÀUÁð¬Ä¹zÉ ºÁUÀÆ 75 SÁvÉUÀ¼À `28.75 ®PÀëzÀµÀÄÖ PÉèöÊªÀÄ£ÀÄß ¸À°è¸À¯ÁVzÉ.

3.2. GzÀj «¸ÀÛgÀuÉ

3.2.1. ¨ÁåAQ£À MlÄÖ ªÀÄÄAUÀqÀUÀ¼ÀÄ `53,296 PÉÆÃnUÀ½AzÀ `55,418 PÉÆÃnUÀ½UÉ KjPÉAiÀiÁVzÀÄÝ, F ªÀµÀð `2,122 PÉÆÃn (4.0%) ºÉZÀÑ¼ÀªÁVzÉ. ¨ÁåAQ£À ¤ªÀé¼À ¸Á®UÀ¼ÀÄ (¤¶ÌçAiÀÄ D¹ÛUÀ¼À «ÄÃ¸À®Ä ªÀÄvÀÄÛ ¹§âA¢UÉ ºÀ§âzÀ ªÀÄÄAUÀqÀUÀ¼À ¤ªÀé¼À ªÉÆvÀÛ) 31£ÉÃ ªÀiÁZïð 2015gÀ°èzÀÝ `52,025 PÉÆÃnUÀ½AzÀ 31£ÉÃ ªÀiÁZïð 2016PÉÌ `53,954 PÉÆÃnUÀ½UÉ KjzÉ. ¨ÁåAQ£À GzÀj oÉÃªÀtÂ C£ÀÄ¥ÁvÀªÀÅ 31£ÉÃ ªÀiÁZïð 2015gÀ ±ÉÃ. 81.9%jAzÀ 31£ÉÃ ªÀiÁZïð 2016gÀ°è 79.67% gÀ¶ÖzÀÄÝ 3% E½PÉAiÀiÁVzÉ. PÁ¥ÉÇðgÉÃmï ªÀ®AiÀÄzÀ°è £ÁªÀÅ

3.1.2 d¡`{º$H$ I§S> Ho$ VhV O_mAm| _| d¥{Õ H$mo Am¡a ~mZo Ho$ {bE Xmo ZE CËnmX `Wm ‘{dÚmWu g§M`’ - 10-18 df© Ho$ Am`w dJ© Ho$ {dÚm{W©`m| H$mo b{jV H$aVo hþE ~MV ~¢H$ ImVm ̀ moOZm VWm ‘_¡~¢H$ gwYZ’ - O_mAm| Ho$ n[anŠdVmnyd© ŵJVmZ Ho$ {dH$ën H$mo N>mo‹S>Vo hþE A{V[aŠV ã`mO àmoËgmohZ Ho$ gmW `15 bmI go `10 H$amo‹S> Ho$ ~rM Zm°Z H$mbo~b gmd{Y O_m `moOZm ewê$ H$s JB©&

3.1.3 O_mH$Vm© {ejm Ed§ OmJê$H$Vm H$mof (S>rB©EE\$) `moOZm 2014

~¢qH$J {d{Z`_Z A{Y{Z`_, 1949 _| g§emoYZ AZwgma Am¡a Omo‹S>o JE Ymam 26(E) Ho$ àmdYmZ Ho$ VhV ̂ maV _| {H$gr ̂ r ~¢H$ _| {H$gr ^r ImVo _| ahr O_m am{e, Omo 10 df© go Cggo A{YH$ H$s Ad{Y Ho$ {bE n[aMm{bV Zht {H$`m J`m h¡, H$mo 10 df© H$s H${WV Ad{Y g_má hmoZo Ho$ ~mX VrZ _mh H$s Ad{Y _| H$mof _| O_m H$adm`m OmZm Mm{hE& `moOZm Ho$ VhV ~H$m`m am{e H$mo àË`oH$ _mh Ho$ A§{V_ H$m`© {Xdg Ho$ ~¢qH$J g_` g_má hmoZo go nhbo ^maVr` [aOd© ~¢H$ Ho$ S>rB©EE\$ ImVo _| O_m H$adm`m OmZm Mm{hE&

OyZ 2014 go {Xg§~a 2015 Ho$ ~rM ~¢H$ Zo A~ VH$ S>rB©EE\$ ImVo _| `57.95 H$amo‹S> A§V[aV {H$E h¢ Am¡a 75 ImVm| Ho$ g§X^© _| `28.75 bmI Ho$ Xmdo àñVwV {H$E h¢&

3.2. F$U {dñVaU

3.2.1. ~¢H$ Ho$ Hw$b A{J«_ `53,296 H$amo‹S> go `55,418 H$amo‹S> VH$ d¥{ÕV hþE {Og_| df© Ho$



3.2.2 Corporate Network:

Our Bank has a Corporate Network

consisting of 11 large branches spread

over Metro and other big centers of

the country, for catering to the needs

of large Corporates.

The Corporate Network of the Bank

has achieved a business level of

`29,949.96 crs, comprising `3,156.72

crs of deposits & `26,793.24 crs of

advances, as on 31.03.2016. The

credit by CNW branches account for

48% of the total advance and 89% of

the C&I advance of our Bank.

The prolonged sluggishness in the

economy has impacted growth of

Corporate advances portfolio. To

counter the growth of impaired assets,

the Bank has been consciously moving

its portfolio to investment grade

and above [BBB or above], which

accounts for 64% of total advances.

This strategy has started yielding

desired results.

The present high incidence of NPAs

particularly in the Corporate sector

can be attributed to RBI guidelines on

Asset Quality Review, necessitating

reclassification of restructured

advances as NPA. The guidelines

has impacted the bottom line of all

the Banks with varying degree of

severity.

Bank has undertaken a slew

of measures like recoveries &

rectifications under JLF, sale of assets

and prudential write offs to offset the

rising NPA due to market / industry/

economic scenario.

• Total Forex Turnover of CNW was

at `59,688.57 crs, accounting for

91% of the total Bank’s Forex

Turnover and contributes 88% of

total Forex earnings of the Bank.

• The growth in AAA to A grade of

advances [ECR] is 41%.

ºÉaÑ£À jÃwAiÀÄ°è DAiÉÄÌ «zsÁ£À C£ÀÄ¸Àj¹zÀÄÝ EzÀPÉÌ PÁgÀtªÁVzÉ. DzÀgÉ C£Àå jÃmÉÃ¯ï «¨sÁUÀªÀÅ ±ÉÃ. 11.3 gÀµÀÄÖ ¥ÀæUÀwAiÀÄ£ÀÄß ¸Á¢ü¹zÉ.

3.2.2 PÁ¥ÉÆðgÉÃmï ¸ÀA¥ÀPÀðeÁ®

«±Á®¸ÀégÀÆ¥ÀzÀ PÁ¥ÉÆðgÉÃmï ¸ÀA¸ÉÜUÀ¼À CªÀ±ÀåPÀvÉUÀ¼À£ÀÄß ¥ÀÆgÉÊ¸ÀÄªÀ ¸À®ÄªÁV, zÉÃ±ÀzÀ ªÀÄºÁ£ÀUÀgÀ ªÀÄvÀÄÛ EvÀgÀ zÉÆqÀØ £ÀUÀgÀUÀ¼À°ègÀÄªÀ 11 ±ÁSÉUÀ¼À£ÉÆß¼ÀUÉÆAqÀ PÁ¥ÉÆðgÉÃmï eÁ®ªÀ£ÀÄß ¨ÁåAPÀÄ ºÉÆA¢zÉ.

¨ÁåAQ£À PÁ¥ÉÆðgÉÃmï eÁ®ªÀÅ 31.3.2016gÀAzÀÄ MlÄÖ `29,949.96 PÉÆÃnUÀ¼À ªÀåªÀºÁgÀªÀ£ÀÄß ªÀiÁrzÀÄÝ, EzÀgÀ°è ̀ 3,156.72 PÉÆÃnUÀ¼À oÉÃªÀtÂ ªÀÄvÀÄÛ `26,793.24 PÉÆÃnUÀ¼À ªÀÄÄAUÀqÀUÀ¼ÀÄ ¸ÉÃjªÉ. ¨ÁåAQ£À MlÄÖ ªÀÄÄAUÀqÀUÀ¼À 48%gÀµÀÖ£ÀÄß ªÀÄvÀÄÛ ̈ ÁåAQ£À ̧ ÁA¹ÜPÀ ªÀÄÄAUÀqÀUÀ¼À 89%gÀµÀÖ£ÀÄß ¹.J£ï.qÀ§Äèöå. ºÉÆA¢zÉ.

CxÀðªÀåªÀ¸ÉÜAiÀÄ°è ¥Àæ¸ÀPÀÛ vÀ¯ÉzÉÆÃjgÀÄªÀ ªÀÄAzÀUÀwAiÀÄ ¨É¼ÀªÀtÂUÉAiÀÄÄ PÁ¥ÉÇðgÉÃmï ªÀÄÄAUÀqÀUÀ¼À ªÉÄÃ¯É ¥ÀjuÁªÀÄ ©ÃjzÉ. ¨ÁåAQ£À D¹ÛUÀ¼À ªÀÄlÖªÀ£ÀÄß ºÉaÑ¸ÀÄªÀ ¸À®ÄªÁV, ¨ÁåAPÀÄ GzÉÝÃ±À¥ÀÆªÀðPÀªÁV vÀ£Àß ªÀÄÄAUÀqÀUÀ¼À£ÀÄß «¤AiÉÆÃd£É ªÀÄlÖ ªÀÄvÀÄÛ ºÉaÑ£À ªÀÄlÖPÉÌ (©©© ªÀÄvÀÄÛ ªÉÄÃ®älÖ) Kj¸À®Ä ¥ÀæAiÀÄwß¸ÀÄwÛzÀÄÝ, EzÀÄ MlÄÖ ªÀÄÄAUÀqÀUÀ¼À 64% DVzÀÄÝ, ¤jÃQëvÀ ¥sÀ°vÁA±ÀªÀ£ÀÄß ¤ÃqÀ®Ä DgÀA©ü¹zÉ.

D¹Û UÀÄtªÀÄlÖzÀ ¥ÀÅ£Àgï CªÀ¯ÉÆÃPÀ£ÀzÀ §UÉÎ Dgï.©.L. £À ¸ÀÆZÀ£ÉAiÀÄAvÉ ¥ÀÅ£Àgï gÀavÀ ªÀÄÄAUÀqÀUÀ¼À£ÀÄß ¤¶ÌçAiÀÄ D¹ÛAiÀiÁV ¥ÀjªÀwð¹zÀÝjAzÀ PÁ¥ÉÇðgÉÃmï ªÀ®AiÀÄzÀ°è EwÛÃZÉUÉ ¤¶ÌçAiÀÄ D¹ÛUÀ¼À ¥ÀæªÀiÁt ºÉaÑzÉ. F ¸ÀÆZÀ£ÉUÀ¼À ¥Àæ¨sÁªÀªÀÅ J¯Áè ¨ÁåAPÀÄUÀ¼À ªÉÄÃ¯ÁVzÉ.

EwÛÃZÉUÉ ¤¶ÌçAiÀÄ D¹Û ªÀÈ¢ÞAiÀÄ°è ªÀiÁgÀÄPÀmÉÖ/PÉÊUÁjPÉ/DyðPÀvÉAiÀÄ ¥Àæ¨sÁªÀ«zÉ DzÀÝjAzÀ J£ï¦J ªÀÄlÖªÀ£ÀÄß E½¸À®Ä ¨ÁåAPÀÄUÀ¼ÀÄ ¸Á®ªÀ¸ÀÆ°UÁV PÀpt PÀæªÀÄUÀ¼À£ÀÄß PÉÊUÉÆAqÀÄ ¸Á®UÀ¼À ¥ÀÅ£Àgï gÀZÀ£É ¸ÀévÀÄÛUÀ¼À ªÀiÁgÁl, EvÁå¢ PÀæªÀÄUÀ¼À£ÀÄß PÉÊUÉÆArzÉ.

• ¹.J£ï.qÀ§Äèöå. MlÄÖ `59,688.57 PÉÆÃn «zÉÃ² «¤ªÀÄAiÀÄ ªÀåªÀºÁgÀ £ÀqÉ¹zÀÄÝ, EzÀÄ ¨ÁåAQ£À «zÉÃ² «¤ªÀÄAiÀÄ ªÀåªÀºÁgÀzÀ ±ÉÃ. 91 DVzÉ ªÀÄvÀÄÛ ¨ÁåAQ£À ±ÉÃ. 88 «zÉÃ² «¤ªÀÄAiÀÄ DzÁAiÀÄªÁVzÉ.

• J.J.J. ¬ÄAzÀ J. ªÀÄlÖPÉÌ ªÀÄÄAUÀqÀUÀ¼À (E.¹.Dgï.) ¨É¼ÀªÀtÂUÉAiÀÄÄ ¸ÀÄªÀiÁgÀÄ 41% DVzÉ.

Xm¡amZ `2,122 H$amo‹S> (4.0%) H$s d¥{Õ hþB© h¡& ~¢H$ H$m {Zdb A{J«_ (`m{Z, AZO©H$ ApñV g§~§Yr/ApñWa àmdYmZm|, ñQ>m\$ Ë`m¡hma A{J«_ Ho$ VhV ~H$m`m| H$m {Zdb h¡) _mM© 2015 Ho$ `52,025 H$amo‹S> go `53,954 H$amo‹S> VH$ d¥{ÕV hþAm& H$m°nm}aoQ> joÌ _| AmJo CYma XoZo _| h_mao AË`m{YH$ M`ZmË_H$ éI Ho$ H$maU ~¢H$ H$m F$U O_m AZwnmV _mM© 2015 Ho$ 81.9% go _mM© 2016 _| 79.67% VH$ 3% KQ> J`m& {\$a ^r AÝ` IwXam I§S>m| _| 11.3% H$s g_J« d¥{Õ hþB© h¡&

3.2.2 H$mnm}aoQ> H$m`©Omb (ZoQ>dH©$)

~¥hV H$mnm}aoQ>m| H$s Amdí`H$VmAm| H$s ny{V© Ho$ {bE Xoe Ho$ _oQ́>mo Ed§ AÝ` ~So> Ho$ÝÐm| _| {dñV¥V 11 ~¥hV emImAm| H$m h_mam H$mnm}aoQ> ZoQ>dH©$ H$m ©̀Omb h¡&

~¢H$ Ho$ H$mnm}aoQ> ZoQ>dH©$ Zo `3,156.72 H$amo‹S> H$s O_m Am¡a `26,793.24 H$amo‹S> Ho$ A{J«_ H$mo em{_b H$a {XZm§H$ 31.3.2016 VH$ `29,949.96 H$amo‹S> H$m ì`mdgm{`H$ ñVa àmá {H$`m h¡& grEZS>ãë ỳ H$m A{J«_ {hñgm ~¢H$ Ho$ Hw$b A{J«_ H$m 48% Am¡a dm{UpÁ`H$ Ed§ g§ñWmJV A{J«_ H$m 89% hmoVm h¡&

bJmVma ~Zr ahr Am{W©H$ _§Xr Zo H$m°nm}aoQ> A{J«_ g§{d^mJ H$mo ~m{YV {H$`m h¡& Iam~ AmpñV`m| H$s d¥{Õ H$m gm_Zm H$aZo Ho$ {bE ~¢H$ Zo AnZo g§{d^mJ H$mo {Zdoe loUr (~rdr~r `m Cggo D$nar loUr) _| VoOr go n[ad{V©V {H$`m h¡ Omo Hw$b A{J«_m| H$m 64% h¡ Am¡a Bg aUZr{V go Ano{jV n[aUm_ àmá hmoZo bJo h¢&

{deof ê$n go H$m°nm}aoQ> joÌ _| EZnrE Ho$ dV©_mZ CÀM _m_bm| na ^maVr` [aµOd© ~¢H$ H$s AmpñV JwUdËVm g_rjm _mJ©Xe©Z bmJy hmoVo h¢ Omo nwZgªa{MV A{J«_m| H$mo EZnrE Ho$ ê$n _§§ nwZ:dJuH¥$V H$aZo H$mo A{Zdm ©̀ H$aVo h¢& BZ {Xem{ZX}em| Zo {d{^ÝZ ñVa na J§̂ raVm Ho$ gmW g^r ~¢H$m| H$mo à^m{dV {H$`m h¡&

~mOma/ CÚmoJ/ Am{W©H$ n[aÑí` Ho$ H$maU ~‹T>Vo EZnrE H$mo {Z §̀{ÌV H$aZo Ho$ {bE ~¢H$ Zo dgybr Am¡a OoEbE\$ Ho$ VhV gwYma, AmpñV`m| H$s {~H«$s Am¡a {ddoH$nyU© ~Å>m ImVo O¡go H$B© Cnm` {H$E h¢&

• grEZS>ãë ỳ H$m Hw$b \$maoŠg Q>Z©Amoda `59,688.57 H$amo‹S> Wm, Omo ~¢H$ Ho$ Hw$b \$maoŠg Q>Z©Amoda H$m 91 % h¡ Am¡a ~¢H$ H$s Hw$b \$maoŠg Am` _| BgH$m `moJXmZ 88% h¡&

• EEE go E J«oS> Ho$ A{J«_m| (B©grAma) _| d¥{Õ 41% h¡&



3.2.3. Credit Committees :

Credit Committees were first

established in May 2002, in order to

facilitate taking decisions through

committee approach to provide more

professional touch to credit appraisal,

by thread-bare discussion on the risk

factors. Two committees have been

constituted at Head office viz. HOCC-I

chaired by Managing Director and

HOCC-II chaired by Chief General

Manager (CB) with CGM/GMs as

members of the committee.

The Bank has held 48 HOCC-I and

43 HOCC-II Meetings, respectively,

during 2015-16, to facilitate growth in

advances.

Besides the above HOCCs, in

order to provide speedier credit and

consequence to devolution of wider

powers to the Networks, 4 Network

Credit Committees with Network

General Managers as Chairmen were

constituted and 191 meetings were

held in aggregate.

Similar Committees are also constituted

at Zonal & Regional office levels viz.

ZOCC & ROCC respectively.

3.3 Personal Segment Advances:

Personal segment advances registered

a record growth of `1,675 crs (15.95%)

to reach a level of `12,175 crs with

Housing loans alone recording a

growth of `1,078 crs (20.07%) to reach

a level of `6,450 crs beside increase

in Car loans by `143 crs (17.31%) and

Personal loans by `249 crs (17.56%).

Share of Personal segment advances

to total advances has increased from

19.69% as at Mar’15 to 21.95% as at

Mar’16 and contributed 78% of total

advance growth during the year.

A new Housing Loan Scheme, “Namma

Mane” was introduced to cater to

Economically Weaker Sections (EWS)

and Lower Income Groups (LIG) under

the PMAY, a Govt. Sponsored Scheme

which is a Priority Sector Loan.

3.2.3. GzÀj ¸À«ÄwUÀ¼ÀÄ

GzÀj ¥ÀjµÀÌgÀuÉUÉ ºÉaÑ£À ªÀÈwÛ¥ÀgÀvÉAiÀÄ ¸Àà±Àð ¤ÃqÀ®Ä, «ZÁgÀ «ªÀÄ±ÉðAiÀÄ ªÀÄÆ®PÀ ¤tðAiÀÄ vÉUÉzÀÄPÉÆ¼Àî®Ä ªÀÄvÀÄÛ C£ÀÄªÀÅªÀiÁr PÉÆqÀ®Ä GzÀj ¸À«ÄwUÀ¼À£ÀÄß ªÉÄÃ 2002gÀ°è ªÉÆzÀ®¨ÁjUÉ C£ÀÄµÁ×£ÀPÉÌ vÀgÀ¯Á¬ÄvÀÄ. ªÀåªÀ¸ÁÜ¥ÀPÀ ¤zÉÃð±ÀPÀgÀ CzsÀåPÀëvÉAiÀÄ°è JZï.M.¹.¹.-1£ÀÄß ªÀÄvÀÄÛ ªÀÄÄRå ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀ CzsÀåPÀëvÉAiÀÄ°è JZï.M.¹.¹. -2 £ÀÄß ¸ÁÜ¦¸À¯ÁVzÀÄÝ, ¸À«ÄwAiÀÄ ¸ÀzÀ¸ÀågÁV ¹.f.JA./f.JA.UÀ¼ÀÄ EgÀÄvÁÛgÉ.

ªÀÄÄAUÀqÀUÀ¼À ̈ É¼ÀªÀtÂUÉUÉ C£ÀÄªÀÅªÀiÁr PÉÆqÀ®Ä, 2015-16gÀ°è JZï.M.¹.¹.-1gÀ 48 ¸À¨sÉUÀ¼À£ÀÄß ªÀÄvÀÄÛ JZï.M.¹.¹.-2gÀ 43 ¸À¨sÉUÀ¼À£ÀÄß ¨ÁåAPÀÄ £ÀqÉ¹zÉ.

ªÉÄÃ®ÌAqÀ JZï.M.¹.¹. C®èzÉ, ±ÁSÁeÁ®PÉÌ «±Á®¸ÀégÀÆ¥ÀzÀ C¢üPÁgÀªÀ£ÀÄß ¤ÃqÀ®Ä ªÀÄvÀÄÛ vÀéjvÀªÁV GzÀj ¤tðAiÀÄUÀ¼À£ÀÄß ¤ÃqÀ®Ä, 4 £ÉmïªÀPïð GzÀj ¸À«ÄwUÀ¼À£ÀÄß ¸ÁÜ¦¸À¯ÁVzÉ. DAiÀiÁ ±ÁSÁeÁ®zÀ ¥ÀæzsÁ£À ªÀåªÀ¸ÁÜ¥ÀPÀgÀÄ CzsÀåPÀëgÁVgÀÄªÀ F ¸À«ÄwUÀ¼À MlÄÖ 191 ¸À¨sÉUÀ¼À£ÀÄß £ÀqÉ¸À¯ÁVzÉ.

EzÉÃ jÃwAiÀÄ ¸À«ÄwUÀ¼À£ÀÄß ªÀ®AiÀÄ PÀbÉÃj, ¥ÁæzÉÃ²PÀ PÀbÉÃjUÀ¼À®Æè gÀÆ¦¸À¯ÁVzÉ. CªÀÅ PÀæªÀÄªÁV eÉqïM¹¹ ªÀÄvÀÄÛ DgïM¹¹ JAzÀÄ PÀgÉAiÀÄ¯ÁVzÉ.

3.3 ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ

ªÉÊAiÀÄQÛPÀ «¨sÁUÀzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ `1675 PÉÆÃn (15.95%) ºÉZÀÑ¼ÀUÉÆAqÀÄ `12,175 PÉÆÃnUÀ¼À ªÉÆvÀÛªÀ£ÀÄß vÀ®Ä¦zÉ. UÀÈºÀ ¸Á®UÀ¼ÀÄ, PÁgÀÄ ¸Á®, a£Áß¨sÀgÀt ¸Á® ªÀÄvÀÄÛ «zÁå¨sÁå¸ÀzÀ ¸Á®UÀ¼À ¨É¼ÀªÀtÂUÉUÉ C£ÀÄPÀÆ®ªÁUÀ¯ÉAzÀÄ «±ÉÃµÀ C©üAiÀiÁ£ÀUÀ¼À£ÀÄß £ÀqÉ¸À¯Á¬ÄvÀÄ. UÀÈºÀ¸Á®ªÉÇAzÉÃ `1,078 PÉÆÃnUÀ¼À (20.07%) ¨É¼ÀªÀtÂUÉAiÀiÁVzÀÄÝ, MlÄÖ `6,450 PÉÆÃnUÀ¼À ªÀÄlÖªÀ£ÀÄß vÀ®Ä¦zÉ. PÁgÀÄ¸Á®UÀ¼À°è ̀ 143 PÉÆÃn (17.31%) ¨É¼ÀªÀtÂUÉAiÀiÁVzÉ, ªÀÄvÀÄÛ ªÉÊAiÀÄQÛPÀ ¸Á®UÀ¼ÀÄ `249 PÉÆÃn (17.56%) ¨É¼ÀªÀtÂUÉ PÀArzÉ. ªÀåAiÀÄQÛPÀ ªÀÄÄAUÀqÀUÀ¼À ¥ÀæªÀiÁtªÀÅ ªÀiÁZïð 2015 gÀ ±ÉÃ. 19.69 ºÉÆÃ°¹zÀgÉ ªÀiÁZÀð 2016 gÀ°è ±ÉÃ. 21.95 gÀ ¥ÀæUÀwAiÀÄ£ÀÄß ¸Á¢ü¹ MlÄÖ ªÀÄÄAUÀqÀzÀ ¥ÀæUÀwAiÀÄ°è ±ÉÃ. 78 gÀµÀÄÖ ¥Á®£ÀÄß ºÉÆA¢zÉ.

DyðPÀªÁV »AzÀÄ½zÀ ºÁUÀÆ PÀrªÉÄ ªÀgÀªÀiÁ£À UÀÄA¦£À ¥sÀ¯Á£ÀÄ¨sÀ«UÀ½UÁV ¦JAJªÉÊ CrAiÀÄ°è ¸ÀPÁðj AiÉÆÃd£É ºÁUÀÆ DzÀåvÁ ªÀ®AiÀÄ°è §gÀÄªÀ “£ÀªÀÄä ªÀÄ£É” JA§ UÀÈºÀ ¤ªÀiÁðt AiÉÆÃd£ÉAiÀÄ£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.

3.2.3. F$U g{_{V`m§

F$U àXmZ H$aZo hoVw F$U g{_{V`m§ gd©àW_ _B© 2002 _| ñWm{nV H$s J`r Vm{H$ ì`dgm{`H$ Ñ{ï>H$moU H$mo AnZmVo hþE g{_{V Ho$ _mÜ`_ go {ZU©` boZo _| gw{dYm hmo gHo$ Am¡a OmopI_ VÏ` na J§^raVm go {dMma {H$`m Om gHo$& à~§Y {ZXoeH$ H$s AÜ`jVm _| EMAmogrgr-I Am¡a _w»` _hm à~§YH$ H$s AÜ`jVm _| EMAmogrgr - II g{_{V`m§ J{R>V H$s J`r& _w»` _hm à~§YH$ Am¡a _hm à~§YH$ g{_{V Ho$ gXñ` hmoVo h¢&

A{J«_m| _| d¥{Õ _| gw{dYm Ho$ {bE ~¢H$ Ûmam df© 2015-16 Ho$ Xm¡amZ EMAmogrgr-I H$s 48 Am¡a EMAmogrgr-II H$s 43 ~¡R>H|$ Am`mo{OV H$s J`r h¢&

Cn`w©º$m| Ho$ Abmdm erK« F$U H$s gw{dYm CnbãY H$amZo Am¡a ZoQ>dH©$ H$mo A{YH$ A{YH$ma XoZo Ho$ CÔoí` go 4 ZoQ>dH©$ F$U g{_{V`m§, ZoQ>dH©$ _hm à~§YH$ H$s AÜ`jVm _| J{R>V H$s J`r Am¡a BZH$s Hw$b 191 ~¡R>H|$ Am`mo{OV hþB© h¢&

Am§M{bH$ Am¡a joÌr` H$m`m©b` ñVa na ^r Bg àH$ma H$s g{_{V`m§ `Wm OoAmogrgr Am¡a AmaAmogrgr J{R>V H$s JB© h¢&

3.3 d¡`{º$H$ IÊS> Ho$ A{J«_

d¡`{º$H$ IÊS> Ho$ A{J«_ _| `1,675 H$amo‹S> (15.95%) H$s [aH$mS©> d¥{Õ hþB© Am¡a `h `12,175 H$amo‹S> H$m ñVa nhþ±Mm& Ho$db Amdmg F$U _| hr `1,078 H$amo‹S> H$s d¥{Õ (20.07%) XO© hþB© Am¡a `h `6,450 H$amo‹S> Ho$ ñVa na nhþ±Mm& BgHo$ Abmdm H$ma F$U _| `143 H$amo‹S> (17.31%) Am¡a d¡`{º$H$ F$U _| `249 H$amo‹S> (17.56%) H$s d¥{Õ hþB©& Hw$b A{J«_m| _| d¡`{º$H$ I§S> Ho$ A{J«_m| H$m {hñgm _mM© 2015 Ho$ 19.69% go ~‹T>H$a _mM© 2016 _| 21.95% hmo J`m Am¡a df© Ho$ Xm¡amZ Hw$b A{J«_ d¥{Õ _| 78% H$m `moJXmZ {X`m&

gaH$ma Ûmam àm`mo{OV `moOZm nrE_EdmB© Ho$ VhV Am{W©H$ ê$n go H$_Omoa dJ© (B©S>ãë`yEg) Am¡a {ZåZ Am` g_yhm| (EbAmB©Or) H$mo Ü`mZ _| aIVo hþE ZB© Amdmg F$U `moOZm ‘Zå_ _Zo’ ewê$ H$s JB© Omo àmW{_H$Vm joÌ F$U h¡&



A new Gold Loan Product “My Bank

Flexi Gold Loan Scheme” an all purpose

overdraft scheme for individual customers

was introduced beside “Combo Car Loan”

for the existing Housing loan borrowers

with concession in interest rate.

“Rajiv Gandhi Scholarship scheme” to

provide education loans to the students

belonging to economically backward

sections to pursue Higher Studies (other

than Technical courses) promoted by

Government of Karnataka, was also

introduced.

3.4. Priority Sector Lending and

Social Banking:

Total Priority Sector Lending of our

Bank stood at `22,388 crs as at March,

2016, including Inter Bank Participation

Certificate (IBPC) of `525 crs. issued

by Kaveri Grameena Bank, as against

`19,401 crs,( including IBPC of `485

Crs) during the previous year ended

March 2015 thereby registering a YoY

growth of 15.4%. This works out to 40%

of the Adjusted Net Bank Credit (ANBC

of `55,796 crs).

Segment-wise status of these advances

is as under:

• Agriculture: The Total Agricultural

advances increased by 14.8% from

`10,643 crs (including IBP of `485

crs and RIDF investments of `2,263

crs) to `12,216 crs (including IBP of

`525 crs and RIDF investments of

`2,228 crs) during the year. Fresh

agricultural advances to the tune of

`3,040 crs were sanctioned to 1.82

lakh farmers during FY 15-16.

• Micro, Small and Medium

Enterprises (MSME): The Bank’s

advances to Micro, Small and

Medium Enterprises as at the end of

FY16 stood at `5,973 crs as against

`5,100 crs during the year ended

March, 2015 registering Y-o-Y

growth of 17%.

ªÉÊAiÀÄQÛPÀ ¥sÀ¯Á£ÀÄ¨sÀ«UÀ½UÁV “ªÉÄÊ ¨ÁåAPï ¥sÉèQì UÉÆÃ¯ïØ ¯ÉÆÃ£ï ¹ÌÃªÀiï” JA§ UÉÆÃ¯ïØ ¯ÉÆÃ£ï «ÄÃgÉ¼ÉvÉ AiÉÆÃd£ÉAiÀi£ÀÄß ºÁUÀÆ ¥Àæ¸ÀÄÛvÀ UÀÈºÀ¸Á¯ ¥sÀ¯Á£ÀÄ¨sÀ«UÀ½UÁV “PÁA¨ÉÆ PÁgï ¯ÉÆÃ£ï” AiÉÆÃd£ÉUÀ¼À£ÀÄß ¥ÀjZÀ¬Ä¸À¯ÁVzÉ.

DyðPÀªÁV »AzÀÄ½zÀ «zÁåyðUÀ¼ÀÄ G£ÀßvÀ ²PÀëtªÀ£ÀÄß ªÀÄÄAzÀÄªÀj¸À®Ä (vÁAwæPÀ ²PÀëtªÀ£ÀÄß ºÉÆgÀvÀÄ¥Àr¹) PÀ£ÁðlPÀ ¸ÀPÁðgÀ¢AzÀ ¥ÀæAiÉÆÃfvÀªÁzÀ “gÁfÃªï UÁA¢ü ¸ÁÌ®gï²¥ï ¹ÌÃªÀiï” ªÀÄÆ®PÀ ²PÀët ¸Á®ªÀ£ÀÄß ¤ÃqÀÄªÀ AiÉÆÃd£ÉAiÀÄ£ÀÄß ̈ ÁåAQ£À°è ¥ÁægÀA©ü¸À¯ÁVzÉ.

3.4. DzÀåvÁ PÉëÃvÀæzÀ ¸Á®UÀ¼ÀÄ ªÀÄvÀÄÛ ¸ÁªÀiÁfPÀ ¨ÁåAQAUï

ªÀiÁZïð 2015gÀ°è `19,401 PÉÆÃn (L©¦¹ `485 PÉÆÃn M¼ÀUÉÆArzÉ) EzÀÝ DzÀåvÁ PÉëÃvÀæPÉÌ ¤ÃrzÀ GzÀj ªÉÆvÀÛªÀÅ ªÀiÁZïð 2016PÉÌ PÉÆ£ÉUÉÆAqÀ ªÀµÀðPÉÌ, `22,388 PÉÆÃnUÀ¼ÁVzÀÄÝ, ªÀµÀð¢AzÀ ªÀµÀðPÉÌ 15.4% ¨É¼ÀªÀtÂUÉ DVzÉ. PÁªÉÃj UÁæ«ÄÃt ̈ ÁåAQ£À°è CAvÀgï ¨ÁåAPï ¥Ánð¹¥ÉÃ±À£ï ¸Ànð¦üPÉÃmï ªÀÄÆ®PÀ «¤AiÉÆÃf¹zÀ `525 PÉÆÃnUÀ¼À£ÀÄß M¼ÀUÉÆArzÉ. EzÀÄ JJ£ï©¹ (`55,796 PÉÆÃn)AiÀÄ ±ÉÃ. 40gÀµÁÖVzÉ.

F ªÀÄÄAUÀqÀUÀ¼À «¨sÁUÀªÁgÀÄ «ªÀgÀ PÉ¼ÀPÀAqÀAwzÉ:

• PÀÈ¶: PÀÈ¶ ªÀ®AiÀÄzÀ £ÉÃgÀ ¸Á®UÀ¼ÀÄ `10,643 (`485 PÉÆÃnUÀ¼À L.©.¦. ªÀÄvÀÄÛ DgïLrJ¥sï 2263 M¼ÀUÉÆArzÉ) PÉÆÃnUÀ½AzÀ `12,216 (`525 PÉÆÃnUÀ¼À L.©.¦. ªÀÄvÀÄÛ DgïLrJ¥sï 2228 M¼ÀUÉÆArzÉ) PÉÆÃnUÀ½UÉ ºÉZÀÑ¼ÀUÉÆArzÀÄÝ, 14.8% ¨É¼ÀªÀtÂUÉ PÀArzÉ. 2015-16gÀ°è ºÉÆ¸ÀzÁV ªÀÄAdÆgÀÄ ªÀiÁrzÀ PÀÈ¶ ªÀÄÄAUÀqÀUÀ¼ÀÄ `3,040 PÉÆÃnUÀ¼ÁVzÀÄÝ, MlÄÖ 1.82 ®PÀë PÀÈ¶PÀjUÉ C£ÀÄPÀÆ®ªÁVzÉ.

• QgÀÄ ªÀÄvÀÄÛ ̧ ÀtÚ G¢ÝªÉÄUÀ¼ÀÄ (JA.J¸ï.E): QgÀÄ ªÀÄvÀÄÛ ¸ÀtÚ G¢ÝªÉÄUÀ½UÉ 2015-16gÀ°è ¨ÁåAPÀÄ ¤ÃrzÀ ªÀÄÄAUÀqÀUÀ¼ÀÄ `5,973 PÉÆÃn DVzÀÄÝ, 2014-15gÀ°è EzÀÄ `5,100 PÉÆÃn DVvÀÄÛ. F «¨sÁUÀzÀ°è ªÀµÀð¢AzÀ ªÀµÀðPÉÌ 17% ¨É¼ÀªÀtÂUÉ DVzÉ.

dV©_mZ Amdmg F$U CYmaH$Vm©Am| Ho$ {bE Ny>Q> àmßV ã`mO Xam| Ho$ gmW ‘H$m°å~mo H$ma F$U’ `moOZm Ho$ VhV d¡`{º$H$ J«mhH$m| Ho$ {bE gd©CÔoer` A{VXo` `moOZm ‘_¡~¢H$ âboŠgr JmoëS> bmoZ ñH$s_’ Zm_H$ ZB© ñdU© F$U `moOZm ewê$ H$s JB©&

CÀM {ejm (VH$ZrH$s nmR>çH«$_m| Ho$ Abmdm) àmßV H$aZo Ho$ {bE Am{W©H$ ê$n go {nN>‹S>o dJm] Ho$ {dÚm{W©`m| H$mo {ejm F$U àXmZ H$aZo Ho${bE ‘amOrd Jm§Yr N>mÌd¥{Îm `moOZm’, {Ogo H$Zm©Q>H$ gaH$ma H$m g_W©Z àmßV h¡, ewê$ H$s JB©&

3.4. àmW{_H$Vm àmá joÌ H$mo CYma Ed§ gm_m{OH$ ~¢qH$J

_mM© 2015 H$mo g_mßV {nN>bo df© Ho$ Xm¡amZ `19,401 H$amo‹S> (`485 H$amo‹S> Ho$ AmB©~rnrgr g{hV) Ho$ à{V _mM© 2016 H$mo àmW{_H$Vm àmá joÌ H$mo àXÎm Hw$b F$U ̀ 22,388 H$amo‹S> Ho$ ñVa na nhþ±Mm {Og_| H$mdoar J«m_rU ~¢H$ Ûmam Omar A§Va ~¢H$ à{V^m{JVm à_mU nÌ (AmB©~rnrgr) Ho$ `525 H$amoS> em{_b h¢& Bg àH$ma 15.4% H$m dfm©Zwdf© {dH$mg XO© {H$`m J`m& `h g_m`mo{OV {Zdb ~¢H$ F$U (`55,796 H$amo‹S>) H$m 40% h¡&

BZ A{J«_m| H$s I§S>dma pñW{V Bg àH$ma h¡ :

• H¥${f : ~¢H$ H$m àË`j H¥${f A{J«_ df© Ho$ Xm¡amZ `10,643 H$amo‹S> (`485 H$amo‹S> H$s AmB©~rnr VWm `2,263 H$amo‹S> Ho$ AmaAmB©S>rE\$ {Zdoe g{hV) go ̀ 12,216 H$amo‹S> (`525 H$amo‹S> H$s AmB©~rnr VWm `2,228 H$amo‹S> Ho$ AmaAmB©S>rE\$ {Zdoe g{hV g{hV) VH$ d¥{ÕV hþAm, {Og_| 14.8% H$s d¥{Õ hþB©& {dËVr` df© 15-16 Ho$ Xm¡amZ 1.82 bmI {H$gmZm| H$mo `3,040 H$amo‹S> Ho$ ZE H¥${f A{J«_ _§Oya {H$E JE&

• gyú_, bKw Ed§ _Ü`_ CÚ_ (E_EgE_B©) : {dËVr` df© 2016 Ho$ {bE ~¢H$ H$m gyú_, bKw Ed§ _Ü`_ CÚ_ A{J«_ `5,973 H$amo‹S> VH$ nhþ§Mm O~{H$ df© 2015 _| `h `5,100 H$amo‹S> ahm Omo dfm©Zwdf© 17% H$s d¥{Õ Xem©Vm h¡&



• Personal & Services Banking

(P&SB): The Bank's advance to

the P&SB segment under priority

sector stood at `3,901 CRS as on

31.03.2016 as against `3,491 crs

during the year ended March, 2015

registering Y-o-Y growth of 12.9%.

3.5. Agriculture Finance:

Total agricultural advances went up from

`9124 crs to `9463 crs during FY 2015-

16 registering a growth of 3.7% over

the previous year. Bank has surpassed

the benchmark of 18% stipulated for

agriculture advances by reaching a level

22% of the Adjusted Net Bank Credit

(ANBC), besides 7.61% for small &

marginal farmers against the benchmark

of 7%.

3.5.1. The Bank adopted a credit

saturation approach so as to cover all

eligible uncovered farmers for financing

their agricultural needs. The Bank in

consultation with NABARD collated the

data relating to emerging trends under

agriculture segment in all the 30 districts

of Karnataka State and accordingly,

district wise potential available for

f

¨Áåaq£À ªÀåªÀ¸ÁÜ¥À£Á ¸À«Äw ~¢h$ à~§yz g{ {v · 2016-06-08 · k. s....

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