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TRANSCRIPT
XoZm ~¢H$àYmZ H$m¶m©b¶
XoZm H$mnm}aoQ> g|Q>a, gr-10, Or ãbm°H$, ~m§Ðm Hw$bm© H$m°åßbo³g, ~m§Ðm (nyd©), ‘w§~B© - 400 051.
www.denabank.com
Dena BankHead Office
Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.
www.denabank.com
g§[jßV dm{f©H$ [anmoQ>©Abridged Annual Report
2017-2018
{ZXoeH ‘§S>b Board of Directorsgwlr A§Obr ~§gbMs. Anjali Bansal
J¡a-H$m¶©H$mar Aܶj (23.05.2018 go)Non Executive Chairman (w.e.f. 23.05.2018)
lr a_oe Eg. qghShri Ramesh S Singh
H$m`©nmbH {ZXoeH Executive Director
Sm°. amOoe Hw$_ma `Xwd§erDr. Rajesh Kumar Yaduvanshi
H$m`©nmbH {ZXoeH Executive Director
lr AemoH Hw$_ma qghShri Ashok Kumar Singh
gaH$ma Zm{_V {ZXoeH Government Nominee Director
lr {earf gr. _wa_wShri Shirish C Murmu^m. {a. ~¢. Zm{_V {ZXoeH RBI Nominee Director
lr A{_V MQOr©Shri Amit Chatterjee
A§e-H m{bH - J¡a-gaH mar {ZXoeH Part-time Non-official Director
lr Or. JmonmbH¥$îUShri G. Gopalakrishna
A§e-H$m{bH J¡a-gaH$mar {ZXoeH Part-time Non-official Director
Sm°. `emodY©Z d_m©*Dr. Yasho Verdhan Verma*
eo`aYmaH {ZXoeH Shareholder Director
lr amHo$e Hw$_maShri Rakesh Kumar
eo`aYmaH {ZXoeH Shareholder Director
df© 2017-18 Ho Xm¡amZ {ZåZ{b{IV {ZXoeH ^r ~¢H Ho _§S>b H$s godm ‘| Wo.
During the year 2017-18, following Directors also served on the Board of the Bank
lr AídZr Hw$‘ma (31.12.2017 VH$) Shri Ashwani Kumar (Upto 31.12.2017)
lr‘Vr V¥îUm Jwhm (31.08.2017 VH$) Smt. Trishna Guha (Upto 31.08.2017)
lr ~§{H$‘ Ama. XogmB© (18.09.2017 VH$) Shri Bankim R Desai (Upto 18.09.2017)
lr C‘oe ~oëbya (23.03.2018 VH$) Shri Umesh Bellur (Up to 23.03.2018)
lr dr. MÝÐgoH$aZ (23.03.2018 VH$) Shri V. Chandrasekaran (Up to 23.03.2018)
* 23.03.2018 H$mo ‘§S>b go godm{Zd¥Îm hþE Am¡a 28.03.2018 go ‘ÊS>b ‘o nwZ…{Zdm©{MV hþE.
* Retired from the Board on 23.03.2018 and was re-elected on Board w.e.f. 28.03.2018.
gm§{d{YH$ boImnarjH$ Statuotry Auditors
a‘oe gr. AJ«dmb E§S> H§$nZr, {Xëbr Ramesh C Agrawal & Co, Delhi
E.~r.nr. E§S> Egmo{gEQ>, ^wdZoídaABP & Associates, Bhubaneswar
H¡$bme M§X O¡Z E§S> H§$nZr, ‘w§~B©Kailash Chand Jain & Co., Mumbai
gmaXm E§S> nmarH$, ‘w§~B© Sarda & Pareek, Mumbai
_hmà~§YH JU General Managers
1. lr ~r. E_. Z§X
2. lr Sr. Ho . XwAm
3. lr Eg. Ho . dmYdm
4. lr gr. Eg. _rUm
5. lr dr. Eg. IrMr
6. lr Eg. Y_©amOZ (30.04.2018 go godm {Zd¥Îm)
7. lr {dϐ$n Xmg
8. lr_Vr Cfm a{d (gr.E\ .Amo.)
9. lr Ama. Ho . ^maÛmO
10. lr_Vr O`m MH«$~Vr©
11. lr amo{hV Hw$_ma nQob (gr.Ama.Amo.)
12. lr _Z _mohZ JwßVm
13. lr EM. Ho . Xod
14. lr g§Ord Smo^mb
15. lr‘Vr {MÌm H$sVudmgZ (01.05.2018 go)
1. Shri B. M. Nanda
2. Shri D. K. Dua
3. Shri S. K. Wadhwa
4. Shri C. S. Meena
5. Shri V S Khichi
6. Shri S. Dharmarajan (Retd. on 30.04.2018)
7. Shri Bishwarup Dash
8. Smt. Usha Ravi (CFO)
9. Shri R. K. Bhardwaj
10. Smt. Jaya Chakraborty
11. Shri Rohit Kumar Patel (CRO)
12. Shri Man Mohan Gupta
13. Shri H K Deo
14. Shri Sanjeev Dobhal
15. Smt. Chitra Kirthivasan (w.e.f. 01.05.2018)
df© 2017-18 Ho Xm¡amZ {ZåZ{b{IV _hmà~§YH ^r ~¢H H r godm _o§ Wo.During the year 2017-18 following General Managers also served the Bank
lr {Z_©b Omoer (30.06.2017 VH ) Shri Nirmal Joshi (up to 30.06.2017)lr E_. Ho . ^m{Q`m (28.02.2018 VH ) Shri M. K. Bhatia (up to 28.02.2018)lr Eg. gaH ma (31.07.2017 VH ) Shri S. Sarkar (up to 31.07.2017)lr goëdmamO Ho . (02.03.2018 VH ) Shri Selvaraj K (up to 02.03.2018)
H§$nZr g{Md Ed§ AZwnmbZ A{YH$marCompany Secretary & Compliance Officer
lr A{_V Hw$_maShri Amit Kumar
a{OñQ—ma Ed§ eo`a A§VaU EOo§QqbH BZQmB_ B§{S`m àmBdoQ {b{_QoS`y{ZQ : XoZm ~¢H gr - 101, 247 nmH© , Eb. ~r. Eg. _mJ©,{dH«$mobr (n{ü_), _w§~B© - 400 083Qobr: +91 22 4918 6270B©_ob: [email protected]
Registrars and Share Transfer AgentsLink Intime India Private LimitedUnit : Dena BankC – 101, 247 Park, LBS Marg,Vikhroli (West),Mumbai – 400 083Tel : +91 22 4918 6270 E-mail : [email protected]
Amdí¶H$ gyMZm Important Information
àñVm{dV bm^m§e eyÝ` Proposed Dividend Nil
~hr ~§Xr 21.06.2018 go 27.06.2018 Book Closure 21.06.2018 to 27.06.2018
E. Or. E_.H$s {V{W Am¡a g_` ~wYdma, 27.06.2018(àmV… 11:00 ~Oo)
Date and Time of AGM Wednesday, 27.06.2018 (11:00 A.M.)
E. Or. E_. H$m ñWmZ g^mJ¥h, ga gmoam~Or nmoMImZdmbm ~¢H$g© à{ejU H$m°°boO, Oo. dr. nr. Sr. ñH$s_, Hy$na hm°pñnQb Ho nmg, Owhy, {dbonmbo© (n{ü_), _w§~B© - 400 056
AGM Venue Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Near Cooper Hospital, Juhu, Vile Parle (West), Mumbai 400 056
{df¶ gyMr / CONTENTS
n¥ð> g§.> Page No.
H$m¶©nmbH$ {ZXoeH$ H$m g§Xoe 1 Message From Executive Director 45
{ZXoeH$m| H$s [anmoQ>© 4 Directors’ Report 47
Aݶ [anmoQ>© Am¡a ~ogb III àH$Q>rH$aU 7 Other Reports and Basel III Disclosures 49
H$mnm}aoQ> A{^emgZ [anmoQ>© 8 Corporate Governance Report 50
gr.B©.Amo. Ed§ gr.E’$.Amo. à‘mUnÌ 18 CEO & CFO Certificate 59
H$mnm}aoQ> A{^emgZ na boIm n[ajH$m| H$m à‘mUnÌ 19 Auditors’ Certificate on Corporate Governance 60
{ZXoeH$mo H$s énaoIm 20 Directors’ Profile 61
ñdV§Ì boIm narjH$m| H$s [anmoQ>© 26 Independent Auditors’ Report 66
g§{já VwbZ nÌ 28 Abridged Balance Sheet 68
g§{já bm^ Ed§ hm{Z boIm 31 Abridged Profit & Loss Account 71
ZJXr àdmh {ddaU 34 Cash Flow Statement 74
~¢H$ Ho nmg B© ‘ob AmB©.S>r. n§OrH$aU 36 Registration of E-mail ID with the Bank 76
gyMZm 37 Notice 77
‘w»Vmar (àm°³gr) ’$m‘© 40 Proxy Form 79
CnpñW{V-gh-àdoe nÌ 41 Attendance Slip-cum-Entry Pass 80
B©.gr.Eg. A{YXoe ’$m‘© 43 ECS Mandate Form 82
1g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
H$m`©nmbH$ {ZXoeH$ H$m g§Xoe
{à` eo`aYmaH$m|,
df© 2017-18 Ho$ {bE AmnHo$ ~¢H$ H$s dm{f©H$ [anmoQ>© AmnHo$ g‘j àñVwV H$aVo hþE ‘wPo ~hþV Iwer hmo ahr h¡.
df© Ho$ Xm¡amZ:
~¢H$ Zo Aºy$~a, 2017 ‘mh ‘| ~mOma go Ah©Vmàmá g§ñWmZm| Ho$ ñWmnZ (Š`y.AmB©.nr.) Ho$ A§VJ©V B{¹$Q>r eo`am| H$mo {ZJ©‘ H$aHo$ ê$. 401.26 H$amo‹S> OwQ>mE.
^maV gaH$ma Zo én`o 3045 H$amo‹S> H$s ny§Or Ho$ ê$n ‘| {Zdoe {H$`m h¡. {Zdoe H$s JB© ny§Or go 11.09% H$s ny§Or n`m©áVm AZwnmV H$mo ~ZmE aIZo ‘| AmnHo$ ~¢H$ H$mo ghm`Vm {‘br h¡.
BgHo$ A{V[aŠV, ~¢H$ Zo AnZo CYmam| H$mo ê$ 125 H$amo‹S> Ho$ Q>r`a I AmB©.nr.S>r.AmB©. ~m°ÝS>m| Ho$ ‘moMZ Ûmam Am¡a ê$ 1400 H$amo‹S> ~ogb III AZwnmbZ A{V[aº$ Q>r`a I ~m°ÝS> H$mo H«$` {dH$ën H$m à`moJ H$aHo$ MwH$m`m h¡.
Bg df©, AmB©~rE ~¢qH$J VH$ZrH$s nwañH$ma 2018 ‘| bKw ~¢H$m| Ho$ ~rM, AmnHo$ ~¢H$ H$mo gd©loð> {dÎmr` g‘mdoeZ nhb H$s loUr ‘| {dOoVm Ho$ ê$n ‘| {ZU©` {X`m J`m Wm. h‘mao Xoe ‘| {dÎmr` g‘mdoeZ H$s àJ{V Ho$ {bE AmnHo$ ~¢H$ Ûmam {Za§Va {H$E JE à`mgm| hoVw {‘br EH$ nhMmZ go h‘| Iwer hmo ahr h¡.
{dÎmr` df© 2017-18 Ho$ {bE ~¢H$ Ho$ AÝ` H$m`©{ZînmXZ H$s à‘wI {deofVmAm| Ho$ ~mao ‘| AmnH$mo gy{MV H$aZo go nyd©, ‘¢ AmnH$mo Am{W©H$ n[apñW{V`m|, d¡{œH$ Am¡a ^maVr` XmoZm| n[apñW{V`m|, ^maVr` ~¢qH$J CÚmoJ ‘| ZB© àd¥{Îm`m|, BgH$s MwZm¡{V`m|, Adgam| Am¡a ^{dî` H$s ê$naoIm Ho$ ~mao ‘| {Og‘| AmnH$m ~¢H$ H$m`© H$a ahm h¡ Ho$ g§~§Y ‘| g§jon ‘| CëboI H$aVm hy±.
Am{W©H$ AdbmoH$Z
2016 Ho$ ‘Ü` go d¡{œH$ AW©ì`dñWm ‘| dgybr ì`mnH$ Am¡a gwÑ‹T> hþB© h¡. {dœ Am{W©H$ AmCQ>bwH$ [anmoQ>© Ho$ AZwgma, {díd H$s AW©ì`dñWm ‘| 3.8% d¥{Õ 2011 Ho$ níMmV go g~go Vrd«Va Wr. {dH${gV d¡{œH$ {Zdoe Am¡a ì`mnma Ho$ nyd©, 2018 Am¡a 2019 ‘| 3.9% d¥{Õ VH$ nhþ§MZm Ano{jV h¡. {dH$mg H$s J{V H$s ^{dî` ‘| C‚db g§^mdZmE§ h¢ Š`m|{H$ g^r Xoem| ‘| g§aMZmË‘H$ gwYmam| Am¡a amOH$mofr` Zr{V`m| Ho$ {bE Adga {dÚ‘mZ h¢ Omo CËnmXH$Vm H$mo ~‹T>mVr Am¡a g‘mdoer d¥{Õ H$aVr h¡.
^maVr` AW©ì`dñWm
{dÎmr` df© 2017-18 ‘|, ^maVr` AW©ì`dñWm Zo dñVw Ed§ godm H$a (Or.Eg.Q>r.) bmJy H$a EH$ ‘rb H$m nËWa ñWm{nV {H$`m h¡. dñVw Ed§ godm H$a Zo AW©ì`dñWm Ho$ H$a AmYma Am¡a H$a ^wJVmZ g§ñH¥${V joÌ H$s d¥{Õ ‘| ghm`Vm H$s h¡. EH$ Am¡a CnbpãY {S>{OQ>b B§{S>`m H$m`©H«$‘ h¡. BgZo Z Ho$db h‘mao Xoe H$mo ZH$Xr a{hV {Z^©a AW©ì`dñWm H$s Amoa AJ«ga hmoZo ~pëH$ Jar~m| H$mo gm‘m{OH$ bm^m| H$mo A{YH$ à^mdr T>§J go nhþMmZo ‘| ghm`Vm H$s h¡.
2017 ‘| Kmo{fV gmd©O{ZH$ joÌ Ho$ à‘wI ~¢H$m| Ho$ {bE nwZ:ny§OrH$aU `moOZm Zo ny§Or ~’$a H$mo {’$a go ghm`Vm H$s Am¡a {dH$mg H$mo g‘W©Z XoZo hoVw ~¢qH$J joÌ H$s j‘Vm ‘| gwYma {H$`m. VWm{n, ~¢H$m| ‘| EZ.nr.E. Am¡a YmoImY‹S>r Ho$ ~‹T>Vo ñVa H$mo {Z`§{ÌV H$aZo Ho$ {bE ‘O~yV V§Ì ~ZmZo H$s Amdí`H$Vm h¡.
{Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z go g^r {hVYmaH$m| H$mo ~hþV Cå‘rX h¢ Am¡a `h Anojm H$s OmVr h¡ {H$ ~¢qH$J joÌ H$mo g‘`-~Õ F$U dgybr V§Ì ‘| ghm`Vm H$aoJm Am¡a H$m°nm}aoQ> EZ.nr.E. H$mo H$‘ H$aoJm, {OgH$m H$B© ~¢H$m| H$mo gm‘Zm H$aZm n‹S> ahm h¢.
AW©ì`dñWm Ho$ g‘{ï> ‘yb^yV {gÕm§V, ‘wÐmñ’$s{V Am¡a Am¡Úmo{JH$ CËnmXZ Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$‘ CËnmXZ Am¡a H$‘ ‘wÐmñ’$s{V ñVa g{hV {dH$mg H$s
{‘{lV N>{d àX{e©V H$s h¡.
{nN>bo Hw$N> dfm] Ho$ Xm¡amZ Am{W©H$ gwYmam| H$s `mÌm MwZm¡VrnyU© ahr h¡ na§Vw gmW hr à{V’$b XoZo dmbr ^r ahr h¡. gaH$ma Ûmam {H$E JE gwYmam| Ho$ n[aUm‘ñdê$n, {dXoer àË`j {Zdoe ~‹T> J`m h¡. gaH$ma Ûmam {H$E JE Cnm`m| Zo ^maV ‘| H$mamo~ma H$aZm A{YH$ gab ~Zm {X`m h¡. àmH¥${VH$ g§gmYZ A~ nmaXeu Am¡a {Zînj ê$n go Amd§{Q>V {H$E OmVo h¢.
~¢qH$J CÚmoJ H$s àd¥{Îm`m§
{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$m| Zo gVV {dH$mg Ho$ {bE ZB© aUZr{V`m| H$mo b{jV H$aVo hþE, {Z`‘m|, {damgVr àUmbr, {dKQ>ZH$mar ‘m°S>b, àm¡Úmo{J{H$`m|, ZE à{V`mo{J`m|, Am¡a EH$ gVV J«mhH$ AmYma ‘| ahH$a H$B© MwZm¡{V`m| H$m gm‘Zm {H$`m h¡. ~¢H$m| Ho$ VwbZnÌ EZnrE Ho$ ñVa ‘| d¥{Õ Ho$ àmdYmZ Ho$ gmW X~mdJ«ñV h¢ {OgHo$ n[aUm‘ñdê$n Ý`yZVa bm^àXVm h¡.
VWm{n, ~¢qH$J CÚmoJ {Z`m‘H$ Cnm`m| O¡go nwZ:ny§OrH$aU ~m°ÝS> {ZJ©‘ H$aZm, g§emo{YV EZnrE ê$naoIm Am¡a ^maV gaH$ma Ûmam {Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z O¡gr {d{^Þ H${R>Z MwZm¡{V`m| H$m gm‘Zm H$a ahm h¡ Am¡a ^maVr` [aµOd© ~¢H$ H$mo Bg X~mdnyU© n[aÑí` go CÚmoJ Ho$ ~mha AmZo H$m Anojm h¡.
~¢qH$J CÚmoJ ‘| Ho$db {Za§Va J«mhH$ H|${ÐVVm, {d{Z`m‘H$ nwZ… Om§M, àm¡Úmo{JH$s à~§YZ Am¡a A§JrH$aU, gmB~a OmopI‘ H$‘ H$aZo Am¡a ZE dmVmdaU Ho$ AZwê$n h‘mao H$m`©~b H$mo nwZJ©{R>V H$aZo Ho$ ‘mÜ`‘ go hr XrK©H$m{bH$ gVV {dH$mg H$s Anojm H$s OmVr h¡.
~¢H$ H$m {ZînmXZ
{dÎmr` df© 2017-18 Ho$ Xm¡amZ AmnHo$ ~¢H$ Ho$ {ZînmXZ H$s à‘wI {deofVmE§ Bg àH$ma h¢:
- ‘wPo AmnH$mo `h gy{MV H$aVo hþE àgÞVm hmo ahr h¡ {H$ {dÎm df© 2017-18 Ho$ Xm¡amZ, AmnHo$ ~¢H$ Zo àmW{‘H$Vm àmßV joÌ, H¥${f, J¡a-H$m°nm}aoQ> {H$gmZm|, N>moQ>o Am¡a gr‘m§V {H$gmZm|, H$‘Omoa dJ© Am¡a gyú‘ CÚ‘m| Ho$ A§VJ©V {XE JE g^r {d{Z`m‘H$ bú`m| H$mo àmßV H$a {b`m h¡.
- ~¢H$ Zo Cƒ bmJV dmbo O‘mam{e`m| H$mo Z boZo na AnZm éI Omar aIm Am¡a VXZwgma Hw$b O‘m AZwnmV H$m H$mgm % ‘mM© 2017 ‘| 37.93% go ~‹T>H$a ‘mM© 2018 ‘| 40.03% hmo J`m.
- ~¢H$ Ho$ O‘m grS>r AZwnmV ‘| F$U ‘mM©, 2017 ‘| 68.05% go ~‹T>H$a ‘mM©, 2018 ‘| 69.95% hmo J`m.
- H¥${f A{J«‘ 31 ‘mM©, 2017 Ho$ ê$. 16,375 H$amo‹S> go ~‹T>H$a 31 ‘mM©, 2018 H$mo ê$. 18,179 H$amo‹S> hmo J`m, {d{Z`m‘H$ bú` 18% H$mo nma H$aHo$ 11.02% H$s d¥{Õ XO© H$s Am¡a g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 21.38% ahm.
- àmW{‘H$Vm àmßV joÌ H$mo A{J«‘ ‘mM©, 2018 H$mo 40% Ho$ {d{Z`m‘H$ ~|M‘mH©$ H$mo nma H$aHo$ é. 35, 949 H$amo‹S> ahm Omo g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 42.27% h¡.
- ~¢H$ H$s {Zdb ã`mO Am` ‘mM©, 2017 H$s ê$. 2,408.36 H$amo‹S> go ~‹T>H$a ‘mM©, 2018 ‘| ê$. 2,475.82 H$amo‹S> hmo JB© Am¡a Bgr Ad{Y Ho$ {bE {Zdb ã`mO ‘m{O©Z 2.00% go 2.19% VH$ H$s d¥{Õ hþB©.
- ~¢H$ H$s O‘m am{e H$s bmJV {dÎm df© 2016-17 ‘| 6.43% go KQ>H$a {dÎm df© 2017-18 ‘| 5.62% hmo JB©.
2g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
AmpñV JwUdËVm
{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo {nN>bo df© Ho$ Xm¡amZ hþB© 1,119.87 H$amo‹S> H$s ZH$X dgybr H$s VwbZm ‘| é. 931.24 H$amo‹S> H$s dgybr H$s.
AmnHo$ ~¢H$ Zo ~Å>o ImVm| ‘| {nN>bo df© Ho$ Xm¡amZ ê$. 120.08 H$amo‹S> Ho$ g‘j ê$ 146.60 H$amo‹S> dgyb {H$E.
31 ‘mM©, 2018 H$mo, gH$b EZnrE {nN>bo df© Ho$ Xm¡amZ ê$. 12,618.73 H$amo‹S> Ho$ g‘j ê$. 16,361.44 H$amo‹S> ahm. gH$b EZnrE à{VeV {nN>bo df© 16.27% H$s VwbZm ‘| 22.04% h¡.
31 ‘mM©, 2018 H$mo {Zdb EZnrE {nN>bo df© Ho$ Xm¡amZ ê$ 7,735.12 H$amo‹S> Ho$ g‘j ê$ 7,838.78 H$amo‹S> ahm. {Zdb EZnrE à{VeV {nN>bo df© Ho$ Xm¡amZ 10.66% H$s VwbZm ‘| 11.95% h¡.
ny§Or n`m©áVm ‘mZX§S>
~ogb lll ‘mZX§S>m| Ho$ A§VJ©V OmopI‘ (^m[aV) AmpñV AZwnmV (grAmaEAma) H$mo ny§Or 31 ‘mM© 2017 H$mo 10.875% H$s {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 11.39% go H$‘ hmoH$a 31 ‘mM© 2018 H$mo 11.09% hmo JB©.
Bgr àH$ma, ~¢H$ H$s grB©Q>r 1 ny§Or AZwnmV 7.38% {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 31 ‘mM© 2017 H$mo 7.24% Ho$ g‘j 31 ‘mM© 2018 H$mo 8.81% hmo JB©.
emIm {dñVma
n[aMmbZJV ì`` Am¡a XjVm ‘| gwYma Ho$ Ñ{ï>JV, ~¢H$ Zo emIm ImobZo na EH$ gOJ Cnm` {H$`m J`m h¡ Am¡a {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$moB© ^r ZB© emIm Zht Imobr JB©. ~¢H$ Zo emIm H$mo `w{º$g§JV ~ZmZo H$s à{H«$`m ^r Ama§^ H$s h¡. VX-Zwgma ~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo 17 emImAm| H$mo AÝ` emImAm| Ho$ gmW {db` H$mo AZw‘m{XV H$a {X`m h¡, {OZ‘| go 2 emImE§ {dÎmr` df© 2017-18 Ho$ Xm¡amZ {db` H$a Xr JB© Wt. 31 ‘mM©, 2018 H$mo (72 g¡Q>obmB©Q> emImAm| g{hV) AmnHo$ ~¢H$ H$s 1,872 emImE§ h¢.
‘mZd g§gmYZ {dH$mg
df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo 21 n[adrjmYrZ A{YH$mar, 13 {deofk A{YH$mar, 128 {b{nH$ Am¡a 148 AYrZñW H$‘©Mm[a`m| H$s ^Vu H$s h¡. dV©‘mZ ‘| ~¢H$ ‘| ‘mZd ny§Or 13,613 h¢ {Og‘| go 3,705 ‘{hbmE§ h¢.
{S>{OQ>b nhb
AmnHo$ ~¢H$ Zo J«mhH$m| Ho$ gmW-gmW AnZo H$‘©Mm[a`m| Ho$ {bE {Z~m©Y Am¡a gw{dYm g‘mYmZ àXmZ H$aZo Ho$ {bE {d{^Þ {S>{OQ>b nhb Ama§^ H$s h¢. g’$bVmnyd©H$ H$m`m©pÝdV {H$E JE. Hw$N> {S>{OQ>b nhb Bg àH$ma h¡:-
- 29 Jm§dm| H$m {S>{OQ>mBOoeZ
- ~¢H$ Zo ZE ‘mo~mBb ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.
- ZE B§Q>aZoQ> ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.
- EH$sH¥$V ^wJVmZ B§Q>a’o$g (`ynrAmB©) AZwà`moJ H$m ew^ma§^
- r‘ AmYm[aV no AZwà`moJ ewê$ {H$`m J`m Am¡a 12,796 ^r‘ AmYma ì`mnm[a`m| H$mo àXmZ {H$E JE.
- OmarH$Vm© Ho$ {bE ^maV Š`yAma H$moS> (`ynrAmB© AmYm[aV ^wJVmZ) Am¡a A{YJ«hUH$Vm© (nrAmoEg AmYm[aV ^wJVmZ) godm ‘| h¢.
- J«mhH$ Ho$ {bE dñVw Ed§ godm H$a ^wJVmZ ‘m°S>çyb H$m g’$b g§MmbZ
- 7,565 nrAmoEg Q>{‘©Zbm| H$m {Z`moOZ {H$`m J`m h¢ {Og‘| go 302 nrAmoEg Q>{‘©Zbm| H$mo Q>r`a 5 Am¡a 6 H|$Ðm| ‘| {Z`mo{OV {H$`m J`m h¡.
~rnrAma nhb
~¢H$ Zo ê$nm§VaU `moOZm - XoZm àJ{V Ho$ {bE ~rgrOr Ho$ gmW gmPoXmar H$s h¡ Am¡a AmnHo$ ~¢H$ Zo ZE CËnmXm| H$m ew^ma§^ {H$`m h¡ Am¡a ZB© àUmbr Am¡a à{H«$`mAm| H$s ñWmnZm H$s h¡.
I. ~¢H$ Zo H|$ÐrH¥$V ImVm ImobZo Ho$ {bE EH$ Z`m H$mgm ~¡H$-Am°{’$g Imobm h¡.
II. ApIb ^maVr` ñVa na brS> H$m àg§ñH$aU H$aZo Ho$ {bE brS> à~§YZ àUmbr ‘XoZm gånH©$’ Ama§^ H$s h¡.
III. AmB©drAma AmYm[aV H$m°b g|Q>a: à{V ‘mh bJ^J Am¡gV 50000 BZ~mC§S> H$m°b àmá {H$E OmVo h¢.
IV. Amemo{YV à{H«$`m àdmh Am¡a IwXam F$U àg§ñH$aU Ho$ {bE b¢S> na’o$ŠQ> gm°âQ>do`a Ho$ {deof Cn`moJ Ho$ gmW {dÚ‘mZ IwXam AmpñV àg§ñH$aU H|$Ð nwZJ©{R>V Wm.
V. R>mUo A§Mb ‘| nm`bQ> Ho$ ê$n ‘| 29 emImAm| Ho$ {bE E‘EgE‘B© h~ bm°ÝM {H$`m J`m.
VI. {S>{OQ>b M¡Zbm| ‘| n§OrH$aU H$mo ~‹T>mZo Ho$ {bE g^r emImAm| ‘| {S>{OQ>b nmR>embm H$m Am`moOZ {H$`m J`m Wm
AÝ` nhb|
1. Cn^moº$m F$U I§S> ‘| dmhZ F$U gmo{gªJ Ho$ {bE S>rba noAmCQ> `moOZm.
2. Amdmg F$U àñVmdm| H$s gmo{gªJ Ho$ {bE Amdmg F$U gbmhH$mam| H$mo gyMr~Õ H$aZm.
3. N>moQ>o CYmaH$Vm©Am| Ho$ {bE ZB© EH$ ‘wíV wJVmZ moOZm- XoZm F$U ‘w{º$ moOZm H¥${f Am¡a E‘EgE‘B© g{hV g^r joÌm| H$mo H$da H$aVr h¡.
4. AnZo J«mhH$m| H$mo ~ohVa CËnmX àXmZ H$aZo Ho$ {bE, AmnHo$ ~¢H$ Zo {d{^Þ JR>Omo‹S> ì`dñWm H$s h¢ O¡go {H$:
H$. mÌr H$ma {dÎm ì`dñWm Ho$ {bE ‘mé{V gwOwH$s B§{S>`m {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm
I. E‘EgE‘B© F$U brS> H$s gmo{gªJ Ho$ {bE EgE‘B©AmaE aoqQ>J {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm
J. E‘EgE‘B© F$U XoZo ‘| gwYma Ho$ {bE, ~¢H$ Zo [agrd~b EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> (AmaEŠgAmB©Eb) Ho$ gmW Q´oS> [agrd~b {S>ñH$mC§qQ>J {gñQ>‘ (Q>rAmaB©S>rEg) H$mamo~ma Ho$ {bE CZHo$ Am°ZbmBZ ßboQ>’$m‘© na n§OrH$aU {H$`m h¡
K. B©S>ãë`yEg/EbAmB©Or/E‘AmB©Or Am¡a J«m‘rU Amdmg ã`mO gpãgS>r `moOZm (Ama.EMAmB©EgEg) Ho$ {hVm{YH$mar`m| Ho$ {bE àYmZ ‘§Ìr Amdmg `moOZm - H«o${S>Q> qbŠS> gpãgS>r `moOZm (nrE‘E-grEbEgEg) Ho$ H$m`m©Ýd`Z Ho$ {bE amï´>r` Amdmg ~¢H$ Ho$ gmW JR>Omo‹S> ì`dñWm
g‘m§do{eV g§d¥{Õ
Am{W©H$ g§d¥{Õ Ho$ bm^m| H$m bm^ CR>mZo Ho$ {bE, h‘| Bgo g‘mdo{eV ~ZmZo H$s Amdí`H$Vm h¡. AnZo Amn Ho$ {bE ‘yë`dmZ hmoZo Ho$ A{V[aŠV, g‘mdoer {dH$mg Am{W©H$ {dH$mg H$mo AmJo ~‹T>mVm h¡. O¡gm {H$ nhbo hr C„oI {H$`m J`m h¡, AmnHo$ ~¢H$ Zo Bg joÌ ‘| AgmYmaU ê$n go AÀN>m àXe©Z {H$`m h¡ Am¡a {dÎmr` g‘mdoeZ Ho$ joÌ ‘| AnZr nhbm| Ho$ {bE nhMmZ àmá H$s h¡.
AmnHo$ ~¢H$ Zo 18.50 bmI ImVm| Ho$ bú` Ho$ g‘j àYmZ ‘§Ìr OZ YZ `moOZm (>nrE‘OoS>rdmB©) Ho$ A§VJ©V 44.06 bmI ImVo Imobo h¢ Am¡a 26.52 bmI éno H$mS©> Omar {H$E h¢.
3g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
AmnHo$ ~¢H$ Zo {dÎmr` g‘mdoeZ Ho$ VhV Amd§{Q>V g^r 6,485 Jm§dm| H$mo H$da {H$`m h¡, {OZ‘| go 746 Jm§d nma§n[aH$ emImAm| Ho$ ‘mÜ`‘ go H$da {H$E JE h¢ Am¡a 5,739 Jm§d H$mamo~ma à{V{Z{Y ‘m°S>b Ho$ ‘mÜ`‘ go H$da {H$E JE h¢. AmnHo$ ~¢H$ Zo 31 ‘mM© 2018 VH$ AmYma Ho$ {bE 10.60 H$amo‹S> {Zdm{g`m| H$mo Zm‘m§{H$V {H$`m h¡ Am¡a `y.AmB©.S>r.E.AmB©. H$mo J¡a-amÁ` a{OñQ´mam| Ho$ ~rM erf© ñWmZ àmá {H$`m h¡.
^mdr `moOZmE§
df© 2018-19 Ho$ {bE, EZnrE ‘| H$‘r H$aZm ~¢H$ Ho$ {bE g~go ~‹S>r àmW{‘H$Vm ahoJr. Bg df© AmnH$m ~¢H$ EZ.gr.Eb.Q>r. Ho$ g§X{^©V H$m°nm}aoQ> EZnrE ‘m‘bm| Ho$ g‘mYmZ go ~‹S>r dgybr H$s ^r Anojm H$aVm h¡. BgHo$ A{V[aŠV, ~¢H$ IwXam EZnrE Ho$ ñVa H$mo H$‘ H$aZo na ^r Ü`mZ H|${ÐV H$aoJm Am¡a g^r à`mg {H$E OmE§Jo Am¡a {deof ê$n go ~Å>o ImVm| ‘| A{YH$ dgybr ‘| Ü`mZ H|${ÐV H$aoJm.
AmnHo$ ~¢H$ Zo à^mdr dgybr à{H«$`m gw{Z{üV H$aZo Ho$ {bE dgybr Ho$ à`mgm| na Ü`mZ H|${ÐV H$aZo Ho$ CÔoí` go EH$ Z`m X~mdJ«ñV AmpñV à~§YZ d{Q©>H$b {Z{‘©V {H$`m h¡.
~¢H$ H$mgm, IwXam, E‘EgE‘B© Am¡a H¥${f A{J«‘m| na AnZm Ü`mZ Omar aIoJm.
~¢H$ Zo ~rnrAma ê$nm§VaU n[a`moOZm Ho$ ‘mÜ`‘ go {d{^Þ ZB© à{H«$`mAm| Am¡a àUm-br AmemoYZm| H$s ewéAmV H$s h¡, {Og‘| Bg {dÎmr` df© Ho$ Xm¡amZ BZ ê$nm§VaU n[a`moOZmAm| Ho$ dmñV{dH$ bm^ Ano{jV hm|Jo.
Am^ma
A§V ‘|, ‘¢ `h H$hZm Mmhÿ§Jm {H$ ^maV gaH$ma, ^maVr` [aOd© ~¢H$, {d{^Þ amÁ` gaH$mam|, ^maVr` à{V^y{V {d{Z‘` ~moS©>, ~r‘m {d{Z`m‘H$ Ed§ {dH$mg àm{YH$aU Am¡a AÝ` g^r {hVYmaH$m| H$mo CZHo$ ~hþ‘yë` g§ajU, ‘mJ©Xe©Z, g‘W©Z Ho$ {bE YÝ`dmX ì`ŠV H$aVm hÿ§ Am¡a g‘`mo{MV gbmh Am¡a CZHo$ {Za§Va g‘W©Z Am¡a gh`moJ H$s Anojm H$aVm hÿ§.
{dÎmr` df© 2017-18 H$s MwZm¡VrnyU© Ad{Y Ho$ Xm¡amZ AnZo ‘yë`dmZ g§ajU Am¡a g‘W©Z Ho$ {bE g^r eo`aYmaH$m|, J«mhH$m| Am¡a ew^qMVH$m| H$mo ^r ‘¢ YÝ`dmX XoVm hÿ§ Am¡a CZHo$ {Za§Va g§ajU àmßV H$aZo H$s Anojm H$aVm hÿ§.
~¢H$ H$m ‘§S>b Bg MwZm¡VrnyU© g‘` Ho$ Xm¡amZ ~¢H$ H$m bJmVma ‘mJ©Xe©Z H$a ahm h¡ Am¡a ‘¢ CZHo$ àmoËgmhZ Am¡a ‘mJ©Xe©Z H$s gamhZm H$aVm hÿ§.
‘¢ ~¢H$ H$mo {XE Om aho g‘W©Z Ho$ {bE Zm~mS©>, {gS>~r Am¡a AÝ` {dÎmr` g§ñWmZm|, ~¢H$m| Am¡a à{V{Z{Y`m| H$m ^r Am^mar hÿ§.
A§V ‘|, ~¢H$ Ho$ g^r ñQ>m’$ gXñ`m| Ûmam {H$E JE AWH$ Am¡a AZdaV à`mgm| H$s gamhZm H$aVm hÿ§, {OZHo$ gh¶moJ Ho$ {~Zm Bg MwZm¡VrnyU© g‘` ‘| hm{gb H$s JB© àJ{V g§^d Zht hmo gH$Vr Wr. g§ñWmZ H$mo {XE Om aho {Za§Va g‘W©Z Ho$ {bE ñQ>m’$ Ho$ n[adma gXñ`m| Ho$ à{V ^r ‘¢ Am^ma ì`ŠV H$aVm hÿ§.
‘¢ AmJm‘r dfm] ‘| ~¢H$ H$s {Za§Va àJ{V Ho$ {bE g^r {hVYmaH$m| Ho$ {Za§Va gh`moJ Am¡a g‘W©Z H$s Anojm H$aVm hÿ§.
ew^H$m‘ZmAm| g{hV,
(a‘oe Eg. qgh)
4g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
{ZXoeH$m| H$s [anmoQ>© 2017-18
godm ‘|g^r gXñ¶JU,
31 _mM©, 2018 H$mo g_mßV {dÎmr` df© Ho boImo§ Ho boIm nar{jV {dÎmr` {ddaU VWm ZH$Xr àdmh {ddaU Ho gmW ~¢H H$s dm{f©H {anmoQ© àñVwV H$aVo hwE {ZXoeH _§Sb H$mo AË`§V àgÝZVm hmo ahr h¡.
2. {dÎmr` {ZînmXZ H$s {d{eîQVmE§
i) ~¢H$ H$s ~MV ~¢H O_mam{e`m°§ 31 _mM©, 2017 Ho é. 36,239 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 36,471 H$amo‹S VH nhw§M JB©, Omo {H 0.64% d¥{Õ Xem©Vr h¡.
ii) ~¢H H$s H$mgm O_mam{e`m°§ 31 _mM©, 2017 Ho é. 43,222 H$amo‹S go KQH$a 31 _mM©, 2018 H$mo é. 42,485 H$amo‹S VH nhw§M JB©, Omo {H 1.71% H$s H$_r Xem©Vr h¡. Hw$b O_m Ho én _o§ H$mgm Ho à{VeV _o§ 31 _mM© 2017 Ho 37.93% go 31 _mM© 2018 H$mo 40.03% H$s d¥{Õ hwB©.
iii) àmW{_H$Vm joÌ A{J«_ 31 _mM©, 2017 Ho é. 36,992 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 35,949 H$amo‹S VH nhw§M J`m, Omo {H 2.82% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 42.27% ahm Omo {H {d{Z`m_H bú` 40% H$mo nma H$a {b`m.
iv) H¥${f G$U 31 _mM© 2017 Ho é. 16,375 H$amo‹S go ~‹TH$a 31 _mM© 2018 H$mo é. 18,179 H$amo‹S hmo JB© Omo {H 11.02% H$s df©-Xa-df© d¥{Õ Xem©Vr h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 21.38% ahm Omo {H {d{Z`m_H bú` 18% go A{YH h¡.
v) àmW{_H$Vm joÌ E_.Eg.E_.B©. A{J«_ 31 _mM© 2017 Ho é 15,316 H$amo‹S go H$_ hmoH$a 31 _mM© 2018 H$mo é 11,638 H$amo‹S hmo J`m h¡ Omo {H 24.01% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡.
vi) Hw$b IwXam A{J«_ _o§ df©-Xa-df© 0.46% ZH$maË_H d¥{Õ hwB© h¡ Am¡a 31 _mM© 2017 Ho é 13,301 H$amo‹S H$s VwbZm _o§ 31 _mM© 2018 H$mo é 13,240 H$amo‹S Ho ñVa na nhw§M J`m.
vii) ~¢H H$m n{aMmbZJV bm^ {dÎmr` df© 2016-17 Ho {bE é 1390 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 _o§ é 1171 H$amo‹S hmo J`m h¡, Omo {H 15.76% H$s H$_r Xem©Vm h¡.
viii) {dÎm df© 2016-17 Ho {bE é 2,906 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 Ho {bE {Zdoemo§ na ã`mO Am` é 2682 hmo JB©, Omo {H 7.71% H$s H$_r Xem©Vr h¡.
ix) ~ogb III Ho A§VJ©V Omo{I_ ^m{aV AmpñV`mo§ H$s VwbZm _o§ ny§Or AZwnmV (gr.Ama.E.Ama.) _o§ H$_r AmB© Am¡a 31 _mM© 2017 H$mo 11.39% H$s VwbZm _o§ 31 _mM© 2018 H$mo 11.09% ahm.
x) ~¢H H$m Qr`a & ny§Or AZwnmV 31 _mM© 2017 H$mo 9.05% go H$_ hmoH$a 31 _mM© 2018 H$mo, 8.81% hmo J`m.
xi) EZ.nr.E. ImVmo§ _o§ ZH$Xr dgybr {dÎmr` df© 2016-17 Ho é. 1,119.87 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ 931.24 H$amo‹S hmo JB©.
xii) ~Åo ImVo Smbo JE ImVmo§ _o§ dgybr {dÎmr` df© 2016-17 Ho é. 115 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ é. 142 H$amo‹S hmo JB©.
xiii) O_mam{e`mo§ H$s bmJV {dÎm df© 2016-17 Ho 6.43% go KQH$a {dÎm df© 2017-18 H$mo 5.62% ahr Am¡a n{aUm_ñdén O_mam{e`mo§ na ã`mO ì`` 31 _mM© 2017 Ho é. 7,213 H$amo‹S go KQH$a 31 _mM© 2018 H$mo é. 5,955 H$amo‹S ahm.
xiv) _w»` gm§p»`H$s
(é. H$amo‹S _o§)
{ddaU31 _mM© H$mo
2017 2018O_mE§ 1,13,943 1,06,130A{J«_ 77,538 74,239H$mamo~ma g§{_l 1,91,481 1,80,369{Zdoe 40,190 38,040àmW{_H$Vm joÌ 36,992 35,949H¥${f 16,375 18,179{aQob 13,301 13,240E_.Eg.E_.B©-nr.Eg. 15,316 11,638gH$b EZ.nr.E. 12,619 16,361{Zdb EZ.nr.E. 7,735 7,839Hw$b A{J«_mo§ _o§ Hw$b EZ. nr. E. H$m % 16.27 22.04{Zdb A{J«_mo§ _o§ {Zdb EZ. nr. E. H$m % 10.66 11.95
3. Am` H$m {díbofU
{dÎmr` df© 2017-2018 Ho {bE ~¢H H$m {dÎmr` H$m`© {ZînmXZ BgHo ZrMo gma én _o§ àñVwV {H$`m J`m h¡…
(énE H$amo‹S _o§)
{ddaU 31 _mM© H$mo
2017 2018n{aMmbZJV bm^ 1,390.21 1,171.16
ã`mO Am` 10,181.67 8,932.23
ã`mO ì`` 7,773.31 6,456.41
{Zdb ã`mO Am` 2,408.36 2,475.82
J¡a ã`mO Am` 1,251.39 1,163.52
àmdYmZ Ed§ AmH$pñ_H$VmE§ 2,253.84 3,094.31
H$a nyd© bm^ (1,275.36) (3178.75)
H$amo§ Ho {bE àmdYmZ (411.73) (1255.60)
{Zdb bm^ (863.63) (1923.15)
4. à_wI {dÎmr` gyMH$ (% _o)
{ddaU 31 _mM© H$mo 2017 2018
{Zdb ã`mO _m{O©Z 2.00 2.19AmpñV`mo§ na à{Vbm^ (0.67) (1.59)bmJV Am` AZwnmV 62.01 67.82àmdYmZ H$daoO AZwnmV 50.56 60.20O_mam{e`mo§ H$s bmJV 6.43 5.62
5g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
{ZXoeH$m| H$s [anmoQ>© 2017-18
{Z{Y`mo§ H$s bmJV 6.54 5.84A{J«_mo§ na à{V’$b 8.98 8.00{Z{Y`mo§ na à{V’$b 8.03 7.51{Zdoe na à{V’$b 7.57 7.26Bp¸$Qr na à{V’$b (13.50) (26.17)à{Veo`a AO©Z (é.) (11.89) (18.06)~hr _yë` (é.) 65.42 27.45
5. {dÎmr` df© 2017-18 Ho Xm¡amZ ^maVr` {aOd© ~¢H Ûmam ~¢H na bmJy ËdarV gwYmamË_H H$ma©dmB© (nrgrE) Ho H$maU ~¢H Zo H$moB© ZB© emIm Zht Imobr. BgHo A{V{a³V ~¢H Zo AÝ` {dÚ_mZ emImAmo§ _o§ Xmo emImAmo§ H$m {db` H$a {X`m h¡ Am¡a ~¢H$ H$s Hw$b emImAmo§ H$s g§»`m 1,872 (72 goQobmB©Q H$m`m©b`mo§ g{hV) ahr h¢. ~¢H H$s g^r emImE§ gr. ~r. Eg. Ho A§VJ©V H$m`©aV h¢.
6. {dÎmr` df© 2017-18 Ho Xm¡amZ ~¢H Zo 3 B©-ñ_mQ© Ho§ Ð ñWm{nV {H$E h¢, {OÝho§ {_bmH$a Hw$b 98 Ho$ÝÐ hmo JE h¢. B©-ñ_mQ© Ho§ Ð _o§, J«mhH ZH$X am{e, MoH O_m H$a gH$Vm h¡, ZH$Xr {ZH$mb gH$Vm h¡, nmg~wH$ ^r _w{ÐV H$a gH$Vm h¡ VWm B§QaZoQ ~¢qH$J gw{dYm Ho$ _mÜ`_ go 24x7 AmYma na AnZo ImVo H$m Cn`moJ H$a gH$Vm h¡.
7. df© 2017-18 Ho Xm¡amZ, ~¢H Zo 1775 nr.Amo.Eg. g§ñWm{nV {H$E h¢ Am¡a EH ZE _mo~mB©b ~¢qH$J M¡Zb AWm©V EZ.nr.gr.AmB©. Ûmam àd{V©V EH$sH¥ V wJVmZ àUmbr (`y.nr.AmB©.) H$s ewéAmV H$s h¡.
8. bm^m§e
{ZXoeH _§Sb Zo {dÎmr` df© 2017-18 Ho {bE H$moB© bm^m§e g§ñVwV Zht {H$`m.
9. {Zdb g§n{Îm Ed§ gr Ama E Ama
9.1 ~¢H H$s {Zdb g§n{Îm 31 _mM© 2018 H$mo é. 5108.04. H$amo‹S ahr.
9.2 gr.Ama.E.Ama. :
(% _o§)
~ogb III
_mM© 2017 _mM© 2018gr.Ama.E.Ama Qr`a I ny§Or 9.05 8.81gr.Ama.E.Ama Qr`a II ny§Or 2.34 2.28
Hw$b 11.39 11.09
10. {ZXoeH _§Sb _o§ n{adV©Z
10.1 31 _mM©, 2018 H$mo ~¢H Ho {ZXoeH _§Sb _o§ nyU©-H$m{bH {ZXoeH hmoZo Ho ZmVo Xmo H$m`©nmbH {ZXoeH$, VWm AÝ` N… {ZXoeH {ZåZmZwgma em{_b h¢ :
• ^maV gaH$ma Ho EH Zm{_Vr {ZXoeH$
• ^maVr` {aOd© ~¢H Ho EH Zm{_Vr {ZXoeH$
• ^maV gaH$ma Ûmam {Z`wº Xmo {ZXoeH$; Am¡a
• eo`a YmaH$mo§ Ûmam MwZo J`o Xmo {ZXoeH$
10.2 lr AœZr Hw$ _ma, AÜ`j Am¡a à~§Y {ZXoeH$, nm§M df© H$m H$m`©H$mb nyam H$aZo Ho nümV {XZm§H 31.12.2017 go à^mdr ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go {XZm§H 09 Zd§~a, 2012 H$mo àmßV A{YgyMZm g§. E\ 4/4/2011-~rAmo.AmB©. Ho AZwgma ~¢H Ho {ZXoeH Zht aho. ~¢H Ho AÜ`j Am¡a à~§Y {ZXoeH Ho ên _o§ CZHo H$m`©H$mb Ho Xm¡amZ lr AœZr Hw$ _ma Ûmam àXmZ {H$E AZwH$aUr` ZoV¥Ëd Am¡a {Xem Ho {bE ~¢H H$m _§Sb CZH$s àe§gm H$aVm h¡.
10.3 lr_Vr V¥îUm Jwhm, H$m`©nmbH {ZXoeH$, A{Ydf©Vm H$s Ad{Y nyU© hmoZo na {XZm§H 31 AJñV, 2018 H$mo _§Sb go godm{Zd¥Îm hwB©. lr_Vr V¥îUm Jwhm Ûmam ~¢H Ho ~moS© _o§ H$m`©nmbH {ZXeoH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` `moJXmZ Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.
10.4 Sm°. amOoe Hw$_ma `Xwd§er, amîQ—r`H¥$V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 8 Ho Cn-I§S (1) Am¡a I§S 3 Ho Cn-I§S (1) Ho gmW n{RV ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go àmßV A{YgyMZm g§. E\ .4 / 5 / (6) 2017-~rAmoAmB© {XZm§H 09 AŠQy~a, 2017 Ho AZwgma, {XZm§H 09 AŠQy~a, 2017 go à^mdr, VrZ df© H$s Ad{Y Ho {bE `m AJbo AmXoe VH$, Omo ^r nhbo hmo, H$m`©nmbH {ZXoeH Ho ên _o§ {Z`wº {H$E JE h¡.
10.5 lr ~§H$s_ Ama XogmB©, H$m_Jma H$_©Mmar {ZXoeH$, amîQ—r`H¥ V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 9 Ho Cn-I§S (1) Am¡a (2) Ho gmW n{RV ~¢qH$J H§$nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V {XZm§H 19.09.2014 go à^mdr, H$m`©H$mb nyam hmoZo na {XZm§H 19.09.2017 go ~¢H Ho {ZXoeH Zht aho§Jo. lr ~§H$s_ Ama XogmB© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.
10.6 Sm° C_oe ~obya, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° C_oe ~obya Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.
10.7 lr dr M§ÐeoIaZ, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. lr dr M§ÐeoIaZ Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.
10.8 Sm° `emo dY©Z d_m©, eo`aYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° `emo dY©Z d_m© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.
10.9 g_rjmYrZ {dÎmr` df© Ho Xm¡amZ, ~¢qH$J H§$nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho AZwgma, Ho$§Ð gaH$ma Ho A{V{aº Xmo eo`aYmaH {ZXoeH$mo§ Ho MwZmd Ho {bE {XZm§H 27 _mM©, 2018 H$mo ga gmoam~Or nmoMImZmdmbm ~¢H$a à{ejU _hm{dÚmb`, _w§~B© _o§ ~¢H Zo ~¢H Ho eo`aYmaH$mo§ H$s EH AgmYmaU gm_mÝ` g^m Am`mo{OV H$s JB©. _VXmZ H$s g’$bVm Ho ~mX, Xmo eo`aYmaH {ZXoeH AWm©V (i) Sm° `emodY©Z d_m© Am¡a (ii) lr amHo e Hw$ _ma, H|$Ð gaH$ma Ho A{V{aº AÝ` eo`aYmaH$mo§ H$m à{V{Z{Y Ho ên _o§ eo`aYmaH {ZXoeH Ho ên _o§ MwZo JE Wo. {XZm§H 8 _mM©, 2018 go `o {ZXoeH VrZ df© Ho {bE H$m`©^ma
6g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
{ZXoeH$m| H$s [anmoQ>© 2017-18
J«hU H$ao§Jo.
11.00 {ZXoeH$mo§ Ho CÎmaXm{`Îd H$m {ddaU
{ZXoeH 31 _mM© 2018 H$mo g_mßV df© Ho {bE dm{f©H boIm V¡`ma H$aZo _o§ {ZåZ{b{IV H$s nwpîQ H$aVo h¢ :
i. {H dm{f©H boIm V¡`ma H$aZo _o§ _hÎdnyU© {dMbZmo§, `{X H$moB© hmo, Ho g§~§Y _o§, g_w{MV ñnîQrH$aU Ho gmW bmJy boIm _mZH$mo§ H$m nmbZ {H$`m J`m h¡.
ii. {H CÝhmo§Zo Eogr boIm Zr{V`mo§ H$m M`Z {H$`m Ed§ CZH$mo {Za§Va bmJy {H$`m VWm Eogo {ZU©` Ed§ AZw_mZ bJm`o Omo g_w{MV Ed§ {ddoH$nyU© h¢ Vm{H {dÎmr` df© Ho AÝV VH ~¢H H$s gË` Am¡a ghr pñW{V àñVwV H$a gHo§ Ed§ Ad{Y Ho {bE ~¢H H$s bm^ `m hm{Z H$s pñW{V Xo gHo§ .
iii. {H CÝhmo§Zo YmoImY{‹S`mo§ Ed§ AÝ` A{Z`{_VVmAmo§ H$mo amoH$Zo Ed§ nVm bJmZo hoVw ^maV _o§ ~¢H$mo§ na bmJy {d{Y Ho àmdYmZmo§ Ho AZwgma n`m©ßV boIm {aH$mSmoª Ho aI-aImd Ho {bE g_w{MV Ed§ n`m©ßV XoIaoI H$s h¡.
iv. {H CÝhmo§Zo dm{f©H boIm, {Za§Va H$mamo~ma dmbo g§ñWmZ Ho AmYma na V¡`ma {H$`m Wm.
Am^ma
12.1 {ZXoeH _§Sb ~¢H Ho AnZo gå_m{ZV J«mhH$mo§, eo`aYmaH$mo§ VWm ew^qMVH$mo§ H$mo ~¢H H$s àJ{V _o§ CZHo _hËdnyU© `moJXmZ Ho {bE AnZm Am^ma VWm YÝ`dmX ì`º H$aVm h¡ VWm ^{dî` _o§ CZHo gVV g_W©Z Ed§ gh`moJ H$s Anojm H$aVm h¡.
12.2 maV gaH$ma VWm ^maVr` {aOd© ~¢H go àmßV g_`mo{MV gbmh, _hÎdnyU© _mJ©Xe©Z Ed§ g_W©Z Ho {bE ^r {ZXoeH _§Sb hm{X©H Am^ma ì`³V H$aVm h¡.
12.3 {ZXoeH _§Sb {dÎmr` g§ñWmAmo§ / ~¢H$mo§ VWm à{V{Z{Y`mo§ Ho à{V ^r ~¢H H$mo {XE JE CZHo gh`moJ Ed§ g_W©Z Ho {bE H¥$VkVm ì`³V H$aVm h¡.
12.4 {ZXoeH _§Sb ~¢H Ho H$mamo~ma _o§ àmßV àJ{V Ho {bE g^r ñVamo§ na ñQm\ gXñ`mo§ Ûmam {XE JE _hËdnyU© `moJXmZ Ho {bE CZH$s gamhZm H$aVm h¡. {ZXoeH$JU ~¢H Ho Vrd« H$mamo~ma {dH$mg VWm àJ{V _o§ CZgo gVV gh`moJ H$s Amem aIVo h¢.
ñWmZ : _w§~B© {ZXoeH _§Sb Ho {bE Am¡a CZH$s Amoa go {XZm§H : 31.05.2018
(a_oe Eg. qgh) H$m`©nmbH {ZXoeH
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{ZåZ C[„{IV [anmoQ>© ~¢H$ H$s do~gmB©Q> www.denabank.com (hmo‘>> {dÎmr¶>dm{f©H$ [anmoQ>©>‘mM© 2018) na CnbãY h¡.>
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8g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
1. A{^emgZ g§{hVm na ~¢H$ H$s Zr{V
~¢H$ H$s H$mnm}aoQ> A{^emgZ Zr{V CËH¥$ï> à~§YZ ì`dhma H$m Cn`moJ H$aZo na AmYm[aV h¡ {Oggo H$mamo~ma H$m à^mdr à~§YZ Am¡a {Z`§ÌU hmoJm. Bggo ~¢H$ Ho$ ~moS©> VWm d[að> à~§YZ H$mo Z¡{VH$ ‘mZX§S>m|, nmaX{e©Vm, {Oå‘oXmar Am¡a {dÎmr` pñWaVm H$m nmbZ H$aVo hþE {ZU©` boZo ‘| gw{dYm hmoJr. ~¢H$ H$m `h {dídmg h¡ {H$ H$mnm}aoQ> A{^emgZ H$m BgHo$ ‘yb ‘yë`m| go Jham g§~§Y h¡ Am¡a dh Z¡{VH$ ì`dhma, AnZo H$‘©Mm[a`m| Ho$ H$ë`mU, AnZo J«mhH$m| H$mo CÎm‘ godmE§ àXmZ H$aZo, eo`a YmaH$m| H$s AnojmE§ nyar H$aZo Am¡a g‘mO H$s AnojmAm| Ho$ AZwgma H$m`© H$aZo go Ow‹S>m hþAm h¡. Bggo g^r {hVYmaH$m| H$mo bm^ hmoJm {Og‘| Z Ho$db {ZXoeH$ ‘§S>b Am¡a d[að> à~§YZ em{‘b h¢, ~pëH$ eo`a YmaH$, J«mhH$, H$‘©Mmar Am¡a g‘mO ^r em{‘b h¡.
H$mamo~ma Ho$ {d{^ÝZ joÌm| na {ZJamZr aIZo Ho$ {bE ~¢H$ Ho$ H$mnm}aoQ> A{^emgZ ‹T>m§Mo ‘| ‘§S>b Ho$ ‘§S>b H$s 18 g{‘{V`m§ ^r em{‘b h¢.
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XoZm ~¢H$ Zo ^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE go~r (^o{X`m ì`mnma {ZfoY) {d{Z`‘ 2015 H$s AnojmAm| Ho$ AZwê$n “^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE XoZm ~¢H$ AmMaU g§{hVm’’ Zm‘H$ ì`mnH$ AmMaU g§{hVm V¡`ma H$s h¡. ^o{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE g§{hVm H$mo ~¢H$ H$s do~gmBQ> na ^r aIm J`m h¡. g^r {ZXoeH$, d[að> à~§YZ ñVa Ho$ H$‘©Mmar Ed§ ~¢H$ Ho$ AÝ` H$‘©Mmar, {OZH$s ~¢H$ H$s AàH$m{eV ‘yë` g§doXZerb gyMZm VH$ nhþ§M h¡, Bg Hy$Q> go A{^em{gV h¢, ~¢H$ Zo lr‘Vr Cfm a{d, ‘hmà~§YH$, {ZdoeH$ g§nH©$ H|$Ð à^mar H$mo AZwnmbZ A{YH$mar Ho$ ê$n ‘| {Z`wº$ {H$`m h¡ Omo ~¢H$ H$s à{V^y{V`m| ‘| ì`mnma H$aZo Ho$ {bE nÕ{V`m§ {ZYm©[aV H$aZo Ed§ AmMma g§{hVm Ho$ H$m`m©Ýd`Z Ho$ {bE {Oå‘oXma h¢. df© Ho$ Xm¡amZ Cº$ Hy$Q> H$m {d{YdV² AZwnmbZ hþAm h¡.
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~¢H$ Zo go~r (Eb.Amo.S>r.Ama.) A{Y{Z`‘, 2015 ‘| {ZYm©[aV H$m°nm}aoQ> A{^emgZ na {XE JE {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡, {OgHo$ Ano{jV àH$Q>rH$aU ZrMo {XE JE h¢ :
2. {ZXoeH$ ԤS>b
~¢H$ Ho$ {ZXoeH$ ‘§S>b H$m JR>Z ~¢H$H$mar {d{Z`‘ A{Y{Z`‘ 1949 Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘ 1970 VWm amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 Ho$ àmdYmZm| Ho$ Ûmam A{^em{gV hmoVm h¡.
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à{V{Z{Y {ZXoeH$, ^maV gaH$ma Ûmam {Z`wŠV Xmo {ZXoeH$ Am¡a Ho$Ð gaH$ma Ho$ Abmdm, eo`aYmaH$m| Ûmam MwZmd {H$E JE Xmo eo`aYmaH$ {ZXoeH$. {ZXoeH$m| Ho$ {ZåZ{bpIV nX ZrMo {XE JE {ddaU Ho$ AZwgma [aŠV h¢:-
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1 à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar 01.01.2018
2 H$m‘Jma H$‘©Mmar {ZXoeH$ 19.09.2017
3 A{YH$mar H$‘©Mmar {ZXoeH$ 01.01.2016
4 A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$ gZXr boImH$ma 30.06.2014
5 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$
05.12.2016
6 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$
28.03.2018
My{H$ à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar H$m nX [aŠV h¡ AV… {ZXoeH$ ‘§S>b H$s {XZm§H$ 16 OZdar 2018 H$mo Am`mo{OV ~¡R>H$ ‘| à~§Y {ZXoeH$ Ho$ àemg{ZH$ Am¡a {dËVr` A{YH$mam| H$mo d[aîR> H$m`©nmbH$ {ZXoeH$ H$mo gm¢nm h¡ Am¡a `h ^r {ZU©` {b`m h¡ {H$ d[aîR> H$m`©nmbH$ {ZXoeH$ ‘§S>b H$s g^r Cn g{‘{V`m| H$s ~¡R>H$mo AÜ`jVm H$a|, {OZH$s AÜ`jVm ~¢H$ ‘| à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar H$s {Z`w{º$ hmoZo VH$, nyd© AÜ`j Ed§ à~§Y {ZXoeH$ Ûmam H$s OmVr Wr. BgHo$ A{V[aŠV, lr‘Vr V¥îUm Jwhm, H$m`©nmbH$ {ZXoeH$ H$s {XZm§H$ 31.08.2017 H$mo A{Y-d{f©Vm Ho$ níMmV ^maV gaH$ma Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 17 (1) (E) Ho$ A§VJ©V `Wm Ano{jV ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| ‘{hbm {ZXoeH$ H$s {Z`w{º$ Zht H$s JB©.
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24.04.2017 09.05.2017 22.06.2017 29.07.2017 30.08.2017 23.09.2017
27.10.2017 10.11.2017 29.12.2017 16.01.2018 14.02.2018 06.03.2018
22.03.2018
2.2 {ZXoeH$m| Ho$ {ddaU…
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3. {ZXoeH$m| H$s g{‘{V`m±
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3.1 {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V
‘§S>b Zo amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970/1980 Ho$ àmdYmZm| Ho$ AZwgma à~§YZ g{‘{V H$m JR>Z {H$`m h¡. g{‘{V Ho$ ‘w»` H$m`m} ‘| AÜ`j Ed§ à~§Y {ZXoeH$ / gmI AZw‘moXZ g{‘{V Ho$ {ddoH$mYrZ A{YH$mam| go A{YH$ Ho$ gmI àñVmdm| H$s ñdrH¥${V, F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd, gyQ> /Anrb Xm`a H$aZm, ny§OrJV Ed§ amOñd ì`` Ho$ AZw‘moXZ Ho$ àñVmd, gaH$mar Ed§ AÝ` AZw‘mo{XV à{V^y{V`m|, H§$n{Z`m| / H$m°nm}aoQ> Ho$ eo`am|/ {S>~|Mam|/~m§S>m| ‘| {Zdoe, hm‘rXmar g{hV, n[agam| Ho$ A{KJ«hU
9g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
VWm {H$amE na boZo Ho$ àñVmd, XmZ Am¡a AÝ` g^r {dÎmr` AZw‘moXZm| Am{X VWm à~§YZ g{‘{V H$mo {ZXoeH$ ‘§S>b Ûmam àñVwV H$moB© AÝ` ‘m‘bo em{‘b h¢.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
g{‘{V Ho$ gXñ`m| H$s g§aMZm Am¡a ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.2 {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V
{ZXoeH$ ‘§S>b Zo ^maVr` [aOd© ~¢H$ Ho$ AZwXoem| Ho$ AZwgma Aºy$~a, 1995 ‘| {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Ûmam nÌ g§»`m E’$ g§ 19/20/2007-~rAmo-AmB© {XZm§H$ 18 ’$adar, 2008 Ûmam Xr J`r gyMZm Ho$ AZwgma ‘B© 2008 ‘| g{‘{V H$m nwZJ©R>Z {H$`m J`m.
AmJo, ^maVr` [aµOd© ~¢H$ Zo AnZo nÌ g§. Ama.~r.AmB©./2015-16/181-S>rEg~r.EAmaEg.~rgr 4 / 08.91.020/2015-16 {XZm§H$ 24 {gV§~a 2015 Ûmam gbmh Xr h¡ {H$ {OZ ~¢H$ ‘| EH$ go A{YH$ H$m`©nmbH$ {ZXoeH$ h¡, Vmo {ZarjU Ed§ boIm Ho$ à^mar H$m`©nmbH$ {ZXoeH$ E.gr.~r. Ho$ gXñ` hmoZo Mm{hE Am¡a O~{H$ AÝ` H$m`©nmbH$ {ZXoeH$ H$mo ~¡R>H$ ‘| CZHo$ S>mo‘oZ go g§~§{YV {dMma-{d‘e© hoVw Am‘§{ÌV {H$`m Om gHo$.
boIm narjm g{‘{V Ho$ H$m`m] ‘| boIm narjm H$m`m] H$m n`©dojU H$aZm, ~¢H$ Ho$ {dÎmr` H$m`© {ZînmXZ H$s g‘rjm H$aZm, g‘dVu / AÝ` {ZarjUm| / boIm narjmAm| Ho$ ‘hËdnyU© {ZîH$fm} H$s g‘rjm H$aZm, boIm§H$Z ‘mZH$m| VWm godr (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 18 Ho$ VhV {d{Z{X©ï> AÝ` ‘m‘bm| H$m AZwnmbZ H$amZm em{‘b h¡. C³V g{‘{V {V‘mhr / dm{f©H$ boIm| H$mo {ZXoeH$ ‘§S>b Ho$ AZw‘moXZ hoVw g§ñVwV H$aZo Ho$ nhbo Cg na MMm© Ed§ {dMma H$aVr h¡.
{ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V ‘| {ZXoeH$ ‘§S>b Ho$ nm§M gXñ` em{‘b h¢.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.3 {ZXoeH$m| H$s nm[al{‘H$ g{‘{V
gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ nyU© H$m{bH$ {ZXoeH$m| Ho$ nm[al{‘H$ ^maV gaH$ma Ûmam {ZYm©[aV {H$`m OmVm h¡. ^maV gaH$ma Ûmam H$m`© {ZînmXZ àmoËgmhZ `moOZm ewê$ H$s JB© h¡; Am¡a ^maV gaH$ma Ho$ {ZXoem| Ho$ AZwgma Cg CÔoí` Ho$ {bE ~¢H$ Zo {ZXoeH$ ‘§S>b H$s nm[al{‘H$ g{‘{V H$m JR>Z {H$`m h¡.
BgHo$ A{V[aŠV, ^maV gaH$ma, {dÎm ‘Ìm§b`, {dÎmr` godmE§ {d^mJ Ho$ nÌ E’$. g§. 121 / 2014-~rAmoE {XZm§H$ 18 AJñV, 2015, Ho$ ‘mÜ`‘ go gmd©O{ZH$ joÌ Ho$ ~¢H$m| (nrEg~r) ‘§S>b Ho$ nyU©H$m{bH$ {ZXoeH$m| (O¡go AÜ`j Am¡a à~§Y {ZXoeH$, à~§Y {ZXoeH$ Am¡a ‘w»` H$m`©nmbH$ A{YH$mar Am¡a H$m`©nmbH$ {ZXoeH$m|) Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z H$aZo Ho$ {bE AnZo A{^{dÝ`mg ‘| n[adV©Z {H$`m h¡. CŠV gyMZm Ho$ AZwgma, nyU©H$m{bH$ {ZXoeH$m| Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z g{Md ({dÎmr` godm) H$s AÜ`jVm ‘| J{R>V EH$ g{‘{V Ûmam {H$`m OmEJm.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.4 {hVYmaH$ g§nH©$ g{‘{V
{ZXoeH$ ‘§S>b Zo {XZm§H$ 10 Zd§~a 2014 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| H$mnm}aoQ> A{^emgZ na go~r Ho$ {Xem{ZX}em| Ho$ AZwgaU ‘| eo`a ~mOmam| Ho$ gmW hþE gyMr~ÕVm H$ama Ho$ I§S> 49 Ho$ g§X^© ‘| {XZm§H$ 01 Aºy$~a, 2014 Ho$ AZwnmbZ Ho$ {bE hVYmaH$ g§nH©$ g{‘{V H$m JR>Z {H$`m h¡ Omo {deof én go Kmo{fV bm^m§e Am{X Ho$ àmßV Z hmoZo, VwbZnÌ àmßV Z hmoZo, eo`am| Ho$ A§VaU go g§~§{YV {eH$m`Vm| g{hV H§$nZr Ho$ AÝ` à{V^y{VYmaH$m|, eo`aYmaH$m|, {S>~|MaYmaH$m|, ~m§S>YmaH$m| H$s g‘ñ`m| Ho$ {ZnQ>mZ go g§~§{YV ‘m‘bm| Ho$ ‘m‘bo XoIoJr.
BgHo$ A{V[aº$, 06 ‘mM©, 2018 H$mo Am`mo{OV ‘§S>b H$s ~¡R>H$ ‘| ‘§S>b Zo {hVYmaH$ g§nH©$ g{‘{V ‘| eo`a hñVm§VaU g{‘{V Ho$ {db` H$mo AZw‘mo{XV H$a {X`m h¡. {hVYmaH$ g§nH©$ g{‘{V, eo`a A§VaU g{‘{V Ûmam {H$E OmZo dmbo g^r H$m`m] AWm©V A§VaU H$s nw{ï>, B{³dQ>r eo`am| H$m àofU, eo`am| H$m nwZ‘y©VuH$aU, eo`a à‘mUnÌm| H$m à{VñWmnZ, Zm‘ {ZH$mbZm, Zm‘ n[adV©Z Am¡a H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V Ûmam AZw‘mo{XV à‘mU nÌ H$s Xygar à{V Omar H$aZo, eo`aYm[aVm ñdê$n H$s Zmo{Q>J, erf© eo`aYmaH$m| H$s gyMr Am¡a eo`a A§VaU ñdrH$ma Z H$aZm Am{X H$mo nyam H$aoJr.
31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢.
3.5 g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V
~¢H$ H$s g^r OmopI‘ à~§YZ J{V{d{Y`m| H$m n`©dojU H$aZo Ho$ {bE g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V J{R>V H$s JB© h¡. BgHo$ H$m`m] ‘| OmopI‘ g§~§Yr AdYmaUmAm| g{hV g^r OmopI‘ g§~§Yr H$m`m] na {ZJamZr aIZm, OmopI‘ ‘yë`m§H$Z Am¡a OmopI‘ Ho$ n[a‘mUZ H$s H$m`©-{d{Y V` H$aZm, OmopI‘ pñW{V hoVw ‘mÝ` ñVa {ZYm©[aV H$aZm, OmopI‘ à~§YZ na à~§YZ Ho$ {ZX}e Am¡a OmopI‘ H$‘ H$aZo H$s VH$ZrH$ Am{X g‘m{dï> h¢.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.6 ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| na {ZJamZr aIZo hoVw ‘§S>b H$s {deof g{‘{V
^maVr` [aOd© ~¢H$ Ho$ nÌ g§.S>r~rEg.E’$. Ordr (E’$)Amo / 004 / 23.04.01E/2003-04, {XZm§H$ 14 OZdar, 2004 Ho$ AZwgma, ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| {Og‘| Ho$db é 1.00 H$amo‹S> Am¡a Cggo A{YH$ am{e g‘m{dï> hmoJr na {ZJamZr aIZo hoVw, àUmbr ‘| {dÙmZ Im{‘`m| H$s nhMmZ hoVw, gr~rAmB© H$s {ZJamZr H$s àJ{V /Zr{V H$s Om§M Am¡a dgybr H$s pñW{V, YmoImY{S>`m| H$s nwZamd¥{Îm hoVw {ZdmaUmË‘H$ H$m`© XjVm H$s g‘rjm, Am¡a ñQ>m°’$ CÎmaXm{`Ëd Ho$ Om§M H$s pñW{V H$s Om§M hoVw {ZXoeH$m| H$s EH$ Cn g{‘{V H$m JR>Z {H$`m J`m Wm.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.7 J«mhH$ godm g{‘{V
^maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem| Ho$ AZwgaU ‘|, {XZm§H$ 14 AJñV 2004, g{‘{V ~¢H$ ‘| J«mhH$ godmAm| H$s JwUdÎmm Am¡a J«mhH$m| H$s {eH$m`Vm| Ho$ {ZXmZ
10g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
‘| hmoZo dmbr àJ{V H$s ^r g‘rjm H$aVr h¡.dh J«mhH$ godm ‘| gwYma Ho$ {bE ~mhar ‘m‘bm| g{hV ZE Cnm`m| na ^r {dMma H$aVr h¡.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.8 gyMZm àÚmo{JH$s g{‘{V na ‘§S>b H$s {deof g{‘{V
{dÚ‘mZ gyMZm VH$ZrH$ ~w{Z`mXr gw{dYmAm| H$m A{YH$V‘ Cn`moJ gw{Z{üV H$aZo, ~¢H$ Ho$ gyMZm VH$ZrH$ {‘eZ na {dMma H$aZo, Zr{VJV ‘m‘bm| Ho$ g§~§Y ‘| gyMZm VH$ZrH$ {d^mJ H$mo {ZXoe XoZo Am{X Ho$ C{MV Cn`moJ H$mo Ü`mZ ‘| aIVo hþE gyMZm VH$ZrH$ Ho$ {bE ‘§S>b Ho$ {ZXoeH$m| H$s g{‘{V J{R>V H$aZo H$s Amdí`H$Vm ‘hgyg H$s J`r. ‘§S>b Zo {XZm§H$ 1 Aà¡b, 2003 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| gyMZm VH$ZrH$ na {ZXoeH$m| H$s g{‘{V J{R>V H$s.{dÚ‘mZ AmB©.Q>r.H$s AmYma^yV g§aMZm Ho$ A{YH$V‘ à`moJ H$s gw{dYm àXmZ H$aZo Ho$ {bE, ~¢H$ Ho$ AmB©.Q>r.Ho$ bú` H$mo àmá H$aZo Ho$ {bE, AmB©.Q>r. {d^mJ H$mo Zr{VJV ‘m‘bm| ‘| {ZXoe XoZo Am¡a à‘wI {dVaU M¡Zbm| Ho$ A§VJ©V boZXoZ ‘mÌm H$s g‘rjm, AmB©.Q>r H$s ~w{Z`mXr gw{dYmAm| H$mo ‘mnZr`Vm, àm¡Úmo{JH$s Ho$ joÌ ‘| hþE ZE {dH$mg, H$mamo~ma H$s {Za§Va `moOZm, gm`~a gwajm Am¡a nhbm| Am¡a gyMZm àm¡Úmo{JH$s Ho$ joÌm| Am¡a {d‘wÐrH$aU Am{X Ho$ nümV Jmd Ho$ {S>{OQ>brH$aU Ho$ {bE ~¢H$ H$s V¡`m[a`m| H$s {ZJamZr aIZo Ho$ {bE ‘§S>b Zo 26 Am¡a 27 AJñV, 2005 H$mo CgH$m nwZJ©R>Z {H$`m.
BgHo$ A{V[aŠV, Ama~rAmB© n[anÌ g§. Ama~rAmB©/2010-11/494/S>r~rEg.H$mo.AmB©Q>rgr.~rgr.EZAmo 6/31/02.008/2010-11 {XZm§H$ 29 Aà¡b, 2011 Ho$ AZwgma, gyMZm gwajm, BboŠQ´m°{ZH$ ~¢qH$J, àm¡Úmo{JH$s, OmopI‘ à~§YZ Am¡a gmB~a YmoImY‹S>r Ho$ H$m`©Xb g‘yh H$s {g’$m[aem| Ho$ H$m`m©Ýd`Z na, gXñ`m| Ho$ ê$n ‘| AhVm© àmßV Ý`yZV‘ Xmo {ZXoeH$m| {OZ‘| go EH$ ñdV§Ì {ZXoeH$ Am¡a Xygam à~§YZ àm¡Úmo{JH$s ‘| n`m©ßV AmB©Q>r {deofkVm aIZo dmbr EH$ gXñ` {ZXoeH$ ñdV§Ì AmB©Q>r aUZr{V g{‘{V H$m nyU©-JR>Z {H$`m J`m Wm.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.9 AZwnmbZ g{‘{V
^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m.S>r~rEg.grAmo.nrnr.~rgr.6/11.01.005/2006-07 {XZm§H$ 20 Aà¡b, 2007 Ûmam ~¢H$m| ‘| AZwnmbZ H$m`© Ho$ {bE {Xem{ZX}e {X`o h¢.BZ {Xem{ZX}em| Ho$ AmYma na ~¢H$ Zo AnZr AZwnmbZ Zr{V ~Zm`r h¡ {OgH$m AZw‘moXZ {ZXoeH$ ‘§S>b Zo {XZm§H$ 29 {Xg§~a, 2007 H$mo Am`mo{OV ~¡R>H$ ‘| {H$`m h¡.Zr{V Ho$ àmdYmZm| Ho$ AZwgma, AZwnmbZ na {ZXoeH$m| H$s g{‘{V H$m JR>Z 29 {Xg§~a, 2007 H$mo {H$`m J`m. 29 OZdar, 2009 H$mo Bg g{‘{V H$m nwZJ©R>Z {H$`m J`m.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.10 Zm‘m§H$Z g{‘{V.
^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m. S>r~rAmoS>r. gr.~rgr.g§»`m. 47/29.39.001/2007-08 {XZm§H$ 1 Zd§~a, 2007 Ûmam dV©‘mZ {Zdm©{MV {ZXoeH$m| Am¡a Cå‘rXdmam|, Omo {Zdm©MZ Ho$ {bE AnZo Zm‘m§H$Z ^aVo h¢,
H$s `mo½`Vm Ed§ Am¡{MË` H$s pñW{V H$m {ZYm©aU H$aZo hoVw Om§M n‹S>Vmb à{H«$`m H$aZo hoVw {ZXoeH$m| H$s Zm‘m§H$Z g{‘{V (g^r ñdV§Ì / J¡a H$m`©nmbH$ {ZXoeH$m|) J{R>V H$aZo Ho$ ~mao ‘| gy{MV {H$`m h¡. BZ {Xem{ZX}em| Ho$ AmYma na, ‘§S>b Ûmam {Xg§~a 29, 2007 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| Zm‘m§H$Z g{‘{V H$m JR>Z {H$`m J`m. C³V g{‘{V H$m 18 OwbmB©, 2011, 29 {gV§~a, 2011 Am¡a 29 OyZ, 2016 H$mo nwZJ©R>Z {H$`m J`m.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| H$m JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢
3.11 gmI AZw‘moXZ g{‘{V
amOnÌ A{YgyMZm g§ 13/1/2006-~rAmo. {XZm§H$ 5 {Xg§~a 2011 Ho$ AZwgaU ‘| Am¡a amï´>r`H¥$V ~¢H$ (à~§YZ Am¡a {d{dY àmdYmZ) g§emoYZ moOZm, 2011 Ho$ àmdYmZm| Ho$ AZwgma, ‘§S>b Zo {XZm§H$ 06 OZdar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s gmI AZw‘moXZ g{‘{V H$m JR>Z {H$`m. {Ogo {XZm§H$ 31 OZdar, 2012 H$mo amOnÌ A{YgyMZm g§»`m 13/01/2006-~rAmo - AmB©. Ûmam Am¡a AmJo g§emo{YV {H$`m, {Ogo {XZm§H$ 06 ’$adar, 2012 H$mo g§nÝZ ‘§S>b H$s ~¡R>H$ ‘| AZw‘mo{XV {H$`m J`m.g{‘{V Ho$ à‘wI H$m`m] ‘| F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd Am{X Am¡a én`o Xmo gm¡ nMmg H$amo‹S> VH$ H$s F$U H$s ñdrH¥${V em{‘b h¡.
‘§S>b H$s gmI AZw‘moXZ g{‘{V ‘| nm§M gXñ` em{‘b h¢ {OZ‘| Xmo nyU© H$m{bH$ {ZXoeH$ AWm©V Xmo H$m`©nmbH$ {ZXoeH$ Am¡a VrZ ‘hmà~§YH$ AWm©V ‘hmà~§YH$ (H$mnm}aoQ> H«o${S>Q>), ‘hmà~§YH$ (OmopI‘ à~§YZ) Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) h¡.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢
3.12 ‘mZd g§gmYZ na ‘§S>b H$s ñWm`r g{‘{V
^maV gaH$ma Zo, gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ ‘mZd g§gmYZ g§~§{YV ‘wÔm| na AÜ``Z H$aZo Am¡a {g’$m[ae H$aZo hoVw {XZm§H$ 22 Aºy$~a, 2009 H$mo S>m°. A{Zb I§So>bdmb H$s AÜ`jVm ‘| EH$ g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Zo gyMZm E’$.g§.9/18/2009-AmB©.Ama {XZm§H$ 21 Aºy$~a, 2011 Ûmam BZ {g’$m[aem| na AnZm AZw‘moXZ gy{MV {H$`m, dh {g’$m[ae| {XZm§H$ 6 ’$adar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| h‘mao ‘§S>b Ho$ g‘j aIr JBª. I§So>bdmb g{‘{V H$s {g’$m[aem| Ho$ AmYma na, ‘§S>b Zo ‘mZd g§gmYZ Ho$ à‘wI ‘wÔm| na {dMma {d‘e© H$aZo, ‘mZd g§gmYZ à~§YZ `moOZm Am¡a ‘mZd g§gmYZ na g§~§{YV Zr{V`m| H$s g‘rjm H$aZo, I§So>bdmb g{‘{V Ho$ gwPmdm| Ho$ AZwgma {XZm§H$ 27 ‘mM©, 2012 H$mo ‘mZd g§gmYZ na ‘§S>b H$s g§MmbZ g{‘{V J{R>V H$s.g{‘{V H$s ~¡R>H$ {V‘mhr A§Vamb ‘| hmoVr h¡.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.13 Cƒ ‘yë` Ho$ EZ. nr. E. Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr g{‘{V
{dÎmr` godmE§ {d^mJ, {dÎm ‘§Ìmb`, ^maV gaH$ma go àmßV nÌ g§»`m E’$.g§.7/112/2012-~rAmoE {XZm§H$ 21 Zd§~a, 2012 Ho$ AZwgma ‘§S>b Zo Cƒ ‘yë` Ho$ EZ nr E Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr Ho$ {bE 11 {Xg§~a,
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
11g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s EH$ Cn g{‘{V H$m JR>Z {H$`m. ‘§S>b Zo {XZm§H$ 28 ‘mM©, 2014 H$mo g{‘{V H$mo nwZJ©{R>V {H$`m Wm.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.14 ‘§S>b H$s {ZJ©‘ g{‘{V…
09 Zd§~a, 2013 H$mo ‘§S>b Zo n[aH${bV H$s‘V H$s nw{ï> H$aZo Ho$ {bE {ZXoeH$m| H$s g{‘{V H$m JR>Z {H$`m Omo go~r (AmB©.gr.S>r.Ama.) {d{Z`‘m| Ho$ AZwgma {ZYm©[aV VWm gm§{d{YH$ boIm narjH$ Ûmam à‘m{UV hmo {OgHo$ AZwgma A{Y‘mZr AmYma na ^maV gaH$ma H$mo A{Y‘mZr AmYma na B{³dQ>r eo`a Omar {H$E OmE§Jo. C³V g{‘{V H$mo eo`am| H$mo AmJo Omar H$aZo Ho$ {d{^ÝZ nhbwAm| Ho$ g§~§Y ‘| {ZU©` boZo VWm àemg{ZH$ {ZU©` boZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡ Am¡a A{YH$ma {XE JE h¡.
BgHo$ A{V[aŠV, ‘§S>b H$s {XZm§H$ 23 {gV§~a, 2017 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b Zo {ZJ©‘ g{‘{V H$mo nwZ… J{R>V {H$`m h¡. ‘§S>b H$s {ZJ©‘ g{‘{V H$m CÔoí` {ZJ©‘ H$s‘V Omar Am¡a Amd§{Q>V H$s OmZo dmbr H$B© à{V^y{V`m|, go~rAmB© (AmB©grS>rAma) {d{Z`‘, 2009 Ho$ A§V©JV WmC{„pIV A{Y‘mZr/Ah©VmàmßV g§ñWmJV à{VñWmnZ (Š`y.AmB©.nr.)/A{YH$ma/~moZg/E’$nrAmo/AÝ` H$moB© AmYma na à{V^y{V`m| Ho$ {d^mOZ Am¡a Amd§Q>Z H$m AZw‘moXZ H$aZm h¡.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.15 {d^mJr` nXmoÞ{V g{‘[V
^maV gaH$ma, {dÎm ‘§Ìmb`, Am{W©H$ H$m`© {d^mJ, ~¢qH$J à^mJ, gVH©$Vm AZw^mJ Ho$ {XZm§H$ 08 OyZ, 1998 Ho$ kmnZ g§. 10/6/98/drAmB©Or Ho$ AZwgma EH$ g{‘{V J{R>V H$s JB© {Og‘| AÜ`j Ed§ à~§Y {ZXoeH$, VWm ~¢H$ ‘| ^maV gaH$ma Ed§ ^maVr` [aµOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ em{‘b h¢, `h g{‘{V d[að> ñVa na nXmoÝZ{V na {dMma H$aVr h¡ VWm {deof ê$n go {V‘mhr AmYma na ~¡R>H$ H$a gVH©$Vm AZwemgZmË‘H$ ‘m‘bm| VWm {d^mJr` Om§M H$s g‘rjm H$aVr h¢. VXZwgma, {XZm§H$ 09 Zd§~a, 2013 H$mo {ZXoeH$ ‘§S>b H$s ~¡R>H$ ‘| g{‘{V H$m JR>Z {H$`m J`m.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.16 àmW{‘H$Vm àmßV joÌ F$U g{‘[V…
{XZm§H$ 27 OwbmB©, 2013 H$mo ‘§S>b Zo ‘§S>b H$s Cn-g{‘{V H$m JR>Z {H$`m Omo {H$ àmW{‘H$Vm àmá joÌm| H$mo {XE JE bú` H$s àm{á na A{YH$ Ü`mZ VWm àmW{‘H$Vm àmá joÌm| H$mo CYma Ho$ {d{^Þ Cn-joÌm| ‘| H$s JB© àJ{V, {d{^Þ bú`m| H$mo àmá H$aZo Ho$ {bE H$m`© Zr{V Ho$ à{VnmXZ Ed§ H$s JB© àJ{V H$s {ZJamZr H$s g‘rjm H$aoJr.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.17 BamXVZ MyH$H$Vm©Am| Ho$ nw{ï>H$aU hoVw ‘§S>b g{‘{V
^maVr` [aµOd© ~¢H$ Zo AnZo n[anÌ g§. S>r.~r.Amo.S>r. g§. ~rgr/grAmB©Eg/47/20.16.002/94 {XZm§H$ 23.04.1994 Am¡a g§emo{YV n[anÌ g§. Ama~rAmB©/2014-15/73 {XZm§H$ 07.01.2015 Ûmam `h gy{MV {H$`m h¡ {H$ BamXVZ MyH$H$Vm©Am| H$s nhMmZ Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b Ûmam {XZm§H$ 17 Aà¡b 2015 H$mo Am`mo{OV ~¡R>H$ ‘| BamXVZ MyH$H$Vm©Am| H$s g‘rjm Ho$ {bE {ZXoeH$ ‘§S>b g{‘{V H$m JR>Z {H$`m J`m.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
3.18 J¡a-ghH$mar CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b g{‘{V
^maVr` [aµOd© ~¢H$, Ho$ nÌ g§. S>r.~r.Ama.gµ§.grAmB©S>r.~rgr.54/20.16.064/2014-15 {XZmH$ {Xg§~a 22, 2014 Ûmam Agh`moJr CYmaH$Vm©Am| H$s g‘rjm Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo Am¡a Agh`moJr CYmaH$Vm©Am| Omo CYmaH$Vm©Am| Ho$ gmW aMZmË‘H$ ê$n go Xo` aH$‘ H$m g‘` na ^wJVmZ ‘| MyH$ O~{H$ do ^yJVmZ H$aZo ‘| gj‘ hmoZo na ^r g§nH©$ ‘| Zht h¢, ‘m§Jr JB© Amdí`H$ gyMZmAm| H$mo CnbãY Zm H$amZo Ho$ H$maU CZHo$ Xo`m| H$s dgybr Ho$ {bE CYmaXmVmAm| Ho$ à`mg H$s ZmH$m‘`m~r, àXmZ {H$ JB© {dÎmr`nmo{fV / g§nm{œ©H$ à{V^y{V VH$ H$s nhþM Zm hmoZo, à{V^y{V H$s {~«H$s ‘| ~mYm Am{X, H$s nhMmZ Ho$ g§~§Y ‘| AmXoe H$s nw{ï>/ A§{V‘ ê$n XoZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b g{‘{V Zo Agh`moJr CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b {H$ {XZm§H$ 07 Zd§~a 2015 H$mo Am`mo{OV ~¡R>H$ ‘| JR>Z {H$`m J`m h¡. df© 2017-18 ‘| H$moB© ~¡R>H$ Am`mo{OV Zht H$s JB©.
{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.
4 H$m`©nmbH$m| H$s g{‘{V`m…
~¢H$ Ho$ {XZ-à{V{XZ Ho$ H$m`©H$bmnm| Ho$ gwMmé ê$n go g§MmbZ Ho$ {bE ~¢H$ Zo AZoH$ Am§V[aH$ g{‘{V`m| H$m ^r JR>Z {H$`m h¡. Hw$N> Am§V[aH$ g{‘{V`m± Bg àH$ma h¢ :-
4.1 {Zdoe g{‘{V :
~¢H$ Zo {Zdoe g§~§Yr ‘m‘bm| Am¡a ‘wÐm ~mOma n[aMmbZm| Ho$ g§~§Y ‘| H$m`©nmbH$m| H$s {Zdoe g{‘{V H$m JR>Z {H$`m h¡. C³V g{‘{V {Zdoe Ed§ {Z{Y à~§YZ g§~§Yr g^r boZ-XoZ ‘m‘bm| H$s g‘rjm H$aVr h¡ Am¡a Amdí`H$ {Xem{ZX}e àXmZ H$aVr h¡. g{‘{V H$s ~¡R>H|$ gámh ‘| Xmo ~ma `m {Zdoe {ZU©`m| H$s g‘rjm H$aZo Ho$ {bE O~ H$^r ^r Amdí`H$ hmo, V~ Am`mo{OV H$aZm Amdí`H$ hmoVr h¢.
g{‘{V H$s AÜ`jVm ~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s ~¡R>H|$ {Z`{‘V én go Am`mo{OV hþBª.
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
12g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
4.2 AmpñV Xo`Vm à~§YZ g{‘{V
~¢H$ Zo AmpñV Xo`Vm à~§YZ g{‘{V (E.Eb.gr.Amo.) H$m JR>Z {H$`m h¡. g{‘{V H$s AÜ`jVm AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢.g{‘{V Ho$ H$m`m] ‘| AÝ` ~mVm| Ho$ gmW-gmW ~mOma OmopI‘ à~§YZ, VabVm OmopI‘ à~§YZ, AmpñV Ed§ Xo`VmAm| H$s ã`mO Xa g§doXZerbVm na {ZJamZr aIZm Ed§ ã`mO Xam| Am{X H$m {ZYm©aU gpå‘{bV h¡.
à^mar ‘hmà~§YH$ Ed§ àYmZ H$m`m©b` Ho$ AÝ` H$m`©nmbH$ g{‘{V Ho$ AÝ` gXñ` h¢. g‘rjmYrZ df© Ho$ Xm¡amZ ~¢H$ ‘| E.Eb.E‘. H$m`m©Ýd`Z ‘| àJ{V g§~§Yr {dMma-{d‘e© Ed§ g‘rjm H$aZo hoVw g{‘{V H$s 63 ~¡R>H|$ Am`mo{OV hþBª.
4.3 Am§V[aH$ eo`a A§VaU g§drjm g{‘{V
~¢H$ Zo CZ eo`am| Ho$ A§VaU H$m AZw‘moXZ H$aZo Ho$ {bE ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V H$m JR>Z {H$`m h¡, Omo ~¢H$ Ho$ a{OñQ´ma Ed§ eo`a A§VaU EO|Q>m| Ûmam g§gm{YV {H$E OmVo h¢. g{‘{V g‘`-g‘` na ~oH$mJOrH$aU H$s {Xem ‘| hþB© àJ{V H$s pñW{V Am¡a ~¢H$ Ho$ eo`am| Ho$ ‘yë`m| ‘| hþB© KQ>-~‹T> H$s ^r Amd{YH$ én go g‘rjm H$aVr h¡.‘hmà~§YH$ ({dÎm à~§YZ), ghm`H$ ‘hmà~§YH$ (AmB©.Ama.gr.), Cn ‘hmà~§YH$ (‘§S>b g{Mdmb`), ‘w»` à~§YH$ (AmB©.Ama.gr.)/ H§$nZr g{Md g{‘{V Ho$ gXñ` h¢ Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) Cº$ g{‘{V Ho$ AÜ`j Ho$ én ‘| H$m`© H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s 38 ~¡R>H|$ g§nÝZ hþBª.
4.4 n[aga g§~§Yr ‘m‘bm| na H$m`©nmbH$m| H$s Am§V[aH$ g{‘{V (AmB©.gr.B©.)
g{‘{V Ho$ ‘w»` H$m`© ~¢H$ Ho$ n[agam| O¡go nÅ>mH¥$V/ñdm{‘Ëddmbo AmYm[aV, {H$am`o ‘| ~T>moVar, ~H$m`m am{e H$m wJVmZ, nÅ>m ZdrH$aU Am¡a nÅ>mH¥$V n[agam| Am{X H$mo dmng bm¡Q>mZo, ‘§Oyar/Zr{V Am{X H$s eVm] ‘| {dMbZ/AmemoYZ Ho$ AZw‘moXZ Am{X H$s ñdrH¥${V XoZm VWm Eogo àñVmdm| H$s {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V H$mo {g’$m[ae H$aZm Ohm± ^wJVmZ H$s OmZodmbr aH$‘ AmB©.gr.B© Ho$ {bE {ZYm©[aV {ddoH$mYrZ A{YH$ma go A{YH$ hmo.
g{‘{V Ho$ AÜ`j, AÜ`j Ed§ à~§Y {ZXoeH$ h¢. H$m`©nmbH$ {ZXoeH$ VWm N>… ‘hmà~§YH$ g{‘{V Ho$ gXñ` h¢.
df© 2017-18 Ho$ Xm¡amZ g{‘{V H$s 10 ~¡R>H|$ g§nÝZ hþBª Am¡a 73 àñVmdm| H$mo AmB©.gr.B©. Ho$ g‘j àñVwV {H$E {H$E JE Wo.
5. {ZXoeH$m| Ho$ nm[al{‘H$
AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a H$m`©nmbH$ {ZXoeH$ H$mo ^maV gaH$ma Ho$ dV©‘mZ {Xem{ZXoem| Ho$ AZwgma g§doVZ / nm[al{‘H$ H$s AXm`Jr H$s JB© VWm ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ed§ AÝ` g{‘{V`m| H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bE CÝh| {H$gr àH$ma Ho$ ~¡R>H$ ewëH$ H$s AXm`Jr Zht H$s JB©. ^maV gaH$ma {dÎm ‘§Ìmb` {dÎmr` godmE§ {d^mJ go àmá A{YgyMZm E’$.g§. 15/1/2011-~r.Amo.AmB© {XZm§H$ 20 OybmB© 2015 Ho$ AZwgma, AÝ` g^r J¡a-H$m`©nmbH$ {ZXoeH$m| ^maV gaH$ma Am¡a ^maVr` [aOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ H$mo N>mo‹S>H$a AÝ` àË`oH$ ‘§S>b H$s ~¡R>H$ ‘| mJ boZo Ho$ {bE ê$. 20,000/- ~¡R>H$ ewëH$ Am¡a ê$ 10,000/- àË`oH$ AÝ` g{‘{V H$s ~¡R>H$ ‘| ^mJ boZo Ho$ {bE AXm {H$E JE.
~¡R>H$ ewëH$, {OgHo$ {bE {ZXoeH$ H$mo Cn`w©º$ AZwgma ^wJVmZ {H$`m OmZm h¡, Ho$ Abmdm ~¢H$ Ho$ H$m`© Ho$ g§~§Y ‘| `mÌm H$aZo dmbo Bg àH$ma Ho$ àË`oH$ {ZXoeH$ H$mo Ho$Ð gaH$ma Ûmam g‘`-g‘` na {Z`V AmYma na CZH$m/CZH$s `mÌm Ed§ {dam‘ ì`` (Omo ^r hmo) H$s à{Vny{V© ~¢H$ Ûmam H$s OmEJr. J¡a
H$m`©nmbH$ {ZXoeH$m| Ho$ nm[al{‘H$ go g§~§{YV g^r ‘m‘bo, amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 ‘| C{ëbpIV àmdYmZm| Ûmam em{gV h¢.
6. nXm©’$me H$aZo dmbo H$s Zr{V
~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo gr.dr.gr. Am¡a go~r Ho$ {Xem{ZXoem| Ho$ AZwgma {dgb ãbmoAa Zr{V Zm‘H$ Zr{V H$m AZw‘moXZ {H$`m h¡. Bg V§Ì Ho$ AYrZ, H$moB© ^r H$‘©Mmar, AZ¡{VH$ ì`dhma, `{X H$moB© hmo, dmñV{dH$ `m g§{X½Y YmoImY‹S>r `m AmMaU VWm Zr{V Ho$ Cëb§KZ Am{X Ho$ g§~§Y ‘| gr.dr.Amo./ à~§YZ H$mo H¡$go [anmoQ>© H$a gH$Vo h¡ BgH$s OmZH$mar Xr JB© h¡. `h V§Ì H$‘©Mm[a`m| H$mo Omo Bg ì`dñWm H$m à`moJ H$aVo h¡, CËnrS>Z Ho$ pIbm’$ n`m©ßV gwajm àXmZ H$aVr h¡ Am¡a AgmYmaU n[apñW{V`m| ‘|, boIm narjm g{‘{V Ho$ AÜ`j VH$ grYo nhþ§MZo H$s gw{dYm àXmZ H$aVr h¡. {dgb ãbmoAa Zr{V 2014-15 ~¢H$ H$s do~gmB©Q> na àX{e©V H$s JB© h¡.
7. gmYmaU g^m H$s ~¡R>H|$
{nN>br VrZ dm{f©H$ gm‘mÝ` g^mAm| Ed§ {nN>br VrZ AgmYmaU gm‘mÝ` g^mAm| H$m ã`m¡am ZrMo {X`m J`m h¡. g^r ~¡R>H|$ EH$ hr ñWmZ g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Oo.dr.nr.S>r. `moOZm, {dbonmb} (n{ü‘) ‘w§~B© -400 056 ‘| g§nÞ hþB©.
~¡R>H$ H$m ã`m¡am nydm©Ýh VmarI Am¡a g‘`
B³H$sgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 27 OyZ, 2017 àmV… 11: 00
~rgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 28 OyZ, 2016 àmV… 11.00
CÞrgdt dm{f©H$ gm‘mÝ` g^m e{Zdma, 27 OyZ, 2015 àmV… 11.00
AgmYmaU gm‘mÝ` g^m (^maV gaH$ma H$mo A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)
‘§Jbdma, 27 ‘mM©, 2018 àmV… 11.00
AgmYmaU gm‘mÝ` g^m (^maV gaH$ma/^maVr` OrdZ ~r‘m {ZJ‘ Am¡a ^maVr` gm‘mÝ` ~r‘m {ZJ‘ H$mo A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)
gmo‘dma, 27 ‘mM©, 2017 àmV… 11.00
AgmYmaU gm‘mÝ` g^m (^maVr` OrdZ ~r‘m {ZJ‘ Ho$ A{Y‘mZr AmYma na B©{¹$Q>r eo`am| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)
Jwê$dma, 22 {gV§~a, 2016 àmV… 11.00
* {nN>br dm{f©H$ gmYmaU g^m ‘| lr AœZr Hw$‘ma - AÜ`j Ed§ à~§Y {ZXoeH$, lr‘Vr V¥îUm Jwhm - H$m`©nmbH$ {ZXoeH$, lr a‘oe Eg. qgh - H$m`©nmbH$ {ZXoeH$, lr dr M§ÐgoH$aZ eo`aYmaH$ {ZXoeH$ Ed§ AÜ`j, boIm narjm g{‘{V CnpñWV Wo.
21dt dm{f©H$ gmYmaU g^m H$s ~¡R>H$ Cn`w©ŠV CŠV AgmYmaU gm‘mÝ` g^m ‘| {deof g§H$ën nm[aV {H$`m J`m Wm.
S>mH$ ‘VXmZ - {nN>bo {dÎm df© Ho$ Xm¡amZ ~¢H$ Zo {H$gr S>mH$ ‘VXmZ H$m Am`moOZ Zht {H$`m.
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
13g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
B©-‘VXmZ - ~¢H$ Zo Cn`w©ŠVmZwgma Am`mo{OV dm{f©H$ gm‘mÝ` g^m Am¡a AgmYmaU gm‘mÝ` g^m ‘| àñVwV {H$E JE g§H$ënm| Ho$ {bE eo`aYmaH$m| H$mo B©-‘VXmZ H$s gw{dYm àXmZ {H$`m.
8. àH$Q>Z :
8.1 ^m¡{VH$ boZ-XoZ VWm Am{W©H$ g§~§Y H$m àH$Q>Z
~¢H$ Zo g§~§{YV nj boZ-XoZm| Ho$ ^m¡{VH$Vm Am¡a g§~§{YV nj boZ-XoZm| Ho$ gmW {ZnQ>mZ na Zr{V ~ZmB© h¡ Omo {XZm§H$ 09 OZdar, 2015 H$mo Am`mo{OV ~¡R>H$ ‘| {ZXoeH$ ‘§S>b Ûmam AZw‘mo{XV h¡. Cn`w©º$ Zr{V ~¢H$ H$s do~gmB©Q> na ^r àX{e©V H$s JB© h¡, CgH$s do~ qbH$ {ZåZ àH$ma h¡ : http://www.denabank.
com/uploads/files/1421147731326-RPT-Policy.pdf
{XZm§H$ 31 ‘mM©, 2018 H$mo g‘má {dÎm df© ‘| ~¢H$ Am¡a CgHo$ {ZXoeH$m| Ho$ ~rM {H$gr àH$ma Ho$ ‘hËdnyU© g§~§{YV nj Ho$ boZ-XoZ, Am{W©H$ boZ-XoZ `m g§~§Y H$s H$moB© Eogr KQ>Zm Zht hþB©, {OgH$m ì`mnH$ én go ~¢H$ Ho$ {hVm| Ho$ gmW g§^mì` Q>H$amd g§^m{dV hmo.
~¢H$ Zo JwOamV amÁ` ‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V XoZm JwOamV J«m‘rU ~¢H$ (S>r.Or.Or.~r.) H$m àm`moOZ {H$`m h¡ {Og‘| ~¢H$ H$m ñdm{‘Ëd 35% h¡. df© Ho$ Xm¡amZ, S>r.Or.Or.~r. Zo XoZm ~¢H$ gh^m{JVm A§Va ~¢H$ gh^m{JVm à‘mUnÌ (AmB©.nr.~r.gr.) ‘| é 190 H$amo‹S> H$m OmopI‘ gmPm AmYma na àmW{‘H$Vm joÌ ‘| {d{^Þ F$Um| go g§~§{YV {Zdoe {H$`m h¡ Omo 27 {Xg§~a 2017 H$mo n[anŠd hmo J`m Wm. S>r.Or.Or.~r. Zo XoZm ~¢H$ Ho$ Q>r`a 2 ~m±S> ‘| ê$. 2 H$amo‹S> H$m {Zdoe {H$`m h¡. BgHo$ A{V[aŠV, {XZm§H$ 31.03.2018 VH$ ~¢H$ ‘| S>r.Or.Or.~r. H$s é 644.50 H$amo‹S> O‘mam{e`m§ hmo JB© Am¡a é 594.35 H$amo‹S> Ho$ A{J«‘ {bE h¡.
8.2 ~¢H$ Ûmam AZwnmbZ Z {H$E, OmZo go g§~§{YV H$moB© ‘m‘bm àH$me ‘| Zht Am`m h¡ VWm eo`a ~mOma / go~r `m AÝ` gm§{d{YH$ àm{YH$aU Ûmam {nN>bo VrZ dfm] Ho$ Xm¡amZ ny§Or ~mOmam| go g§~§{YV {H$gr ^r ‘m‘bo ‘| ~¢H$ na {H$gr àH$ma H$m Ow‘m©Zm / Amjon Zht bJm`m J`m.
8.3 XoZm ~¢H$ Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 40(9) H$s AnojmZwgma, AÝ` ~mVm| Ho$ gmW-gmW A§VaU, àofU, Cn {d^mOZ, g‘oH$Z, ZdrH$aU VWm B©{¹$Q>r eo`am| H$m {d{Z‘`, CZHo$ àñVw{VH$aU H$s {V{W go 30 {XZ Ho$ A§Xa {H$`o OmZo Ho$ g§~§Y ‘| noeoda H§$nZr g{Md go àË`oH$ N>… ‘hrZo ‘| à‘mUnÌ àmá H$aZm hmoJm. Bg à‘mUnÌ H$mo Omar hmoZo Am¡a ~r.Eg.B©. Ed§ EZ.Eg.B©.H$mo na Xm`a H$aZo {H$`m OmVm h¡ Ohm§ ~¢H$ Ho$ eo`a gyMr~Õ h¢.
8.4 go~r Ho$ n[anÌ g§»`m S>rEÊS>grgr/E’$AmB©Q>rQ>rgr/grAmB©Ama-16 {XZm§H$ {Xg§~a 31, 2002 Ho$ AZwgma, XoZm ~¢H$ H$s Hw$b {ZJ©V / MwH$Vm B©{¹$Q>r ny§Or Ho$ gmW ^m¡{VH$ ê$n ‘| VWm {S>nm{OQ>ar Ho$ nmg aIr J`r Hw$b B©{¹$Q>r eo`a ny§Or H$m g‘m`moOZ H$aZo Ho$ CÔoí` go ì`mdgm{`H$ H§$nZr g{Md H$s ’$‘© Ûmam eo`a ny§Or boIm narjm H$m {‘bmZ(nyd© ‘| g{Mdr` boIm narjm Ho$ Zm‘ go OmZm OmVm Wm) {V‘mhr AmYma na H$s OmVr h¡. Bg g§~§Y ‘| Omar à‘mUnÌ ~r.Eg.B© Ed§ EZ.Eg.B© H$mo,{V‘mhr g‘m{á Ho$ ~mX 30 {XZm| ‘| AJ«o{fV {H$`m J`m h¡ Ohm§ ~¢H$ Ho$ B©{¹$Q>r eo`a gyMr~Õ h¢.
8.5 ~¢H$ Ûmam AZwnmbZ H$s JB© J¡a-A{Zdm`© AnojmAm| H$s eV] {ZåZ àH$ma h¡
H«$‘ g§»`m
Anojm AZwnmbZ
1 {ZXoeH$ ‘§S>bJ¡a- H$m`©nmbH$ AÜ`j H§$nZr Ho$ ì`` go AÜ`j Ho$ H$m`m©b` H$s XoI-aoI hoVw ~Zm`m Om gH$Vm h¡ Am¡a
{ZXoeH$ ‘§S>b H$m AÜ`j, H$m`©nmbH$ {ZXoeH$ h¡ {OÝh| ^maV gaH$ma Ûmam {Z`wº$ {H$`m J`m h¡, Bg{bE J¡a-H$m`©nmbH$ AÜ`j Ûmam H$m`m©b` XoI-aoI Ho$ g§~§Y ‘| `h bmJy Zht hmoVm.
2 eo`aYmaH$m| Ho$ A{YH$ma{dJV N>- ‘mhm| ‘| K{Q>V ‘hËdnyU© KQ>ZmAm| Ho$ gmW N>‘mhr Ho$ {dÎmr` {ZînmXZ H$mo g^r eo`aYmaH$m| H$mo ^oOm Om gH$Vm h¡.
go~r Ho$ àmén ‘| {V‘mhr / AY©dm{f©H$ n[aUm‘m| H$mo g‘mMma-nÌ ‘| àH$m{eV {H$`m OmVm h¡ Am¡a ~¢H$ VWm ñQ>m°H$ EŠg|Om| H$s do~gmB©Q> na àX{e©V {H$`m OmVm h¡.
3 boIm narjm Ah©VmH§$nZr Aà{V~§{YV {dÎmr` {ddaU ì`dñWm ‘| ~‹T>o.
df© Ho$ Xm¡amZ g‘rjm Ho$ AYrZ boIm narjm Ah©Vm Zht nmB© JB©. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.
4 AÜ`j Am¡a gr.B©.Amo. Ho$ {^Þ nXm| H$m g¥OZ H§$nZr, AÜ`j Am¡a à~§Y {ZXoeH$ / gr.B©.Amo. Ho$ nXm| na {d{^Þ ì`{º$`m| H$mo {Z`wº$ H$ao.
~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ H$s {Z`w{º$ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam H$s OmVr h¡. Bg{bE, `h bmJy Zht hmoVm.
5 Am§V[aH$ boIm narjH$ H$s [anmo{Qª>JAm§V[aH$ boIm narjH$ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$a|.
~¢H$ H$m Am§V[aH$ boIm narjm {d^mJ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$aVm h¡. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.
9. {dÎmr` n[aUm‘ Ed§ g§àofU Ho$ gmYZ
~¢H$ AnZo gXñ`m| Am¡a OmopI‘ YmaH$m| H$mo CZHo$ {hVm| go g§~§{YV KQ>ZmAm| go CÝh| AdJV aIZo H$s Amdí`H$Vm H$mo ‘hËd XoVm h¡.
~¢H$ Ho$ {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ {ZYm©[aV g‘` gr‘m ‘| CZ ñQ>m°H$ EŠgM|Om| ‘| àñVwV {H$E OmVo h¢ Ohm± ~¢H$ Ho$ eo`a gyMr~Õ h¢. BgHo$ gmW hr {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ gm§{d{YH$ AnojmAm| Ho$ AZwê$n A§J«oOr, {hÝXr Am¡a ‘amR>r (joÌr` ^mfm) ‘| àH$m{eV {H$E JE Wo. ~¢H$ AnZo dm{f©H$ n[aUm‘m| H$s H$mJOr à{V eo`aYmaH$m| H$mo ^r CnbãY H$amVm h¡.n[aUm‘ Ho$ gmW-gmW eo`a Ym[aVm H$m ñdén Am¡a eo`a ‘yë` ~¢H$ H$s do~gmB©Q> AWm©V www.denabank.com na ^r àX{e©V {H$E J`o h¢. `h ~¢H$ Ho$ ~mao ‘| H$m`m©b`rZ àog {dk{á Ed§ AÝ` ‘hËdnyU© {ddaU ^r àX{e©V H$aVm h¡.
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
14g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
10. eo`aYmaH$ Ho$ {bE gyMZmE± ~¢H$ EH$ AZwgy{MV dm{UpÁ`H$ ~¢H$ h¡, {OgH$m àYmZ H$m`m©b` ‘w§~B© ‘| h¡. ~¢H$ H$s CnpñW{V BgH$s 1872 emImAm| Ho$ ZoQ>dH©$ Ho$ gmW ^maV Ho$ g‘ñV {hñgm| ‘| h¡. ~¢H$ Ho$ B©{¹$Q>r eo`a, ~r.Eg.B©. ~mOma {b{‘Q>oS> (~r.Eg.B©.) VWm ^maVr` amï´>r` eo`a ~mOma {b{‘Q>oS> (EZEgB©), ‘| gyMr~Õ h¢. ñQ>m°H$ {H«$n H$moS> {ZåZmZwgma h¢ :-
ñQ>m°H$ EŠgM|O H$moS>
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EZEgB© XoZm ~¢H$ --
AJbo df© 2018-19 Ho$ {bE XmoZm| ñQ>m°H$ EŠg|Om| H$mo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$a {X`m J`m h¡
11. df© 2017-18 Ho$ Xm¡amZ ny§Or ‘| d¥{Õ
11.1 ^maV gaH$ma (156209320 B{¹${Q> eo`am|) ^maVr` OrdZ ~r‘m {ZJ‘ (44865702 B{¹${Q> eo`am|) ^maVr` gmYmaU ~r‘m {ZJ‘ (5206977 B{¹$Qr> eo`am|) H$mo A{Y‘mZr AmYma na é 38.41/- à{V eo`a Ho$ ‘yë` na ({OZ‘| é 28.41/- eo`a àr{‘`‘ Ho$ gmW) 206281999 B{¹${Q> eo`am| H$mo Omar Am¡a Amd§Q>Z Ûmam é 792.33 H$amo‹S> H$s aH$‘ VH$ B{¹$Q>r> eo`a ny§Or OwQ>mZo Ho$ {bE {XZm§H$ 27 ‘mM©, 2017 H$mo Am`mo{OV AgmYmaU gm‘mÝ` g^m ‘| ~¢H$ Zo eo`aYmaH$m| H$m AZw‘moXZ àmá {H$`m. ^maV gaH$ma Ho$ nÌ g§. 7/38/2014-~r.Amo.E. {XZm§H$ 4 AJñV 2017 Ho$ AZw‘moXZ Ho$ AZwgaU ‘| eo`am| H$m Am~§Q>Z {XZm§H$ 4 AJñV 2017 H$mo {H$`m J`m.
~¢H$ Zo AŠVy~a 2017 ‘| Ah©VmàmßV g§ñWmZ à{VñWmnZ (Š`yAmB©nr) Ho$ A§VJ©V Ah©VmàmßV g§ñWmJV H«o$VmAm| (Š`yAmB©~r) H$mo ê$ 29.20 à{V eo`a H$s Xa go 13,74,18,819 nyU©V`m àXËV B{¹$Q>r eo`a Ho$ {ZJ©‘ Am¡a Amd§Q>Z Ûmam ê$. 401.26 H$amo‹S> OyQ>mE§ h¢.
~¢qH$J H§$nZr (CnH«$‘ Ed§ A{YJ«hU Am¡a A§VaU) A{Y{Z`‘, 1970 H$s Ymam 3(2~r)(gr) Ho$ A§VJ©V ^maVr` [aOd© ~¢H$ Am¡a ^maV gaH$ma go AZw‘moXZ Ho$ AZwgaU ‘|; ~¢H$ Zo 27 ‘mM©, 2018 H$mo A{Y‘mZr AmYma na ^maV Ho$ amï´>n{V (^maV gaH$ma) H$mo ê$. 26.99 à{V eo`a (à{V eo`a 16.99 én`o Ho$ àr{‘`‘ g{hV) na àË`oH$ ê$ 10/- én`o Ho$ 112,81,95,628 B{¹$Q>r eo`am| Ho$ Amd§Q>Z Ûmam ê$. 3,045 H$amo‹S> énE OyQ>mE§ h¢. OyQ>mE§ JB© ny§Or H$m Cn`moJ ~¢H$ H$s ny§Or n`m©áVm H$mo gwÑT> H$aZo Am¡a ~¢H$ H$s gm‘mÝ` H$mamo~ma Amdí`H$VmAm| H$mo {Z{Y àXmZ H$aZo Ho$ {bE {H$`m OmEJm.
11.2 ~¢H$ Zo g‘`-g‘` na dMZ nÌ / F$UnÌ (Q>r`a I Ed§ Q>r`a II ny§Or) Ho$ ê$n ‘| An[adV©Zr` ~mÊS> Omar {H$`o h¢. CZgo g§~§{YV {ddaU {ZåZàH$ma h¡…
{ZJ©‘ H$m {ddaU ‘mÌm (én`o H$amoS> ‘|)
Am~§Q>Z H$s {V{W n[an¹$Vm H$s {V{W AmB©EgAmB©EZ g§»`m
Ý`mgr Ho$ {ddaU
9.25% {ZåZ Q>r`a-II ~m§S> (l§¥Ibm IX) 106 25.03.2008 24.05.2018 INE077A09062 AmB©.S>r.~r.AmB©. Q´ñQ>r{en g{d©goO {b., E{e`Z {~pëS§>J, ^y‘r Vb, 17, Ama. H$‘mZr ‘mJ©, ~bmS©> BñQ>oQ>,‘w§~B© - 400 001.Q>o{b’$moZ : 022- 4080 7009B©-‘ob… [email protected]
11.20% {ZåZ Q>r`a-II ~m§S> (l§¥Ibm X) 300 30.09.2008 30.04.2019 INE077A09070
9.50% {ZåZ Q>r`a-II ~m§S> (l¥§Ibm XI) 200 29.01.2009 29.01.2019 INE077A09088
9.00% ~o‘r`mXr ~m§S> (l¥§Ibm II) 125 28.05.2009 ~o‘r¶mXr INE077A09096
9.23% {ZåZ Q>r`a II ~m§S> (l§¥Ibm XII) 850 25.06.2012 25.06.2027 INE077A09104 g|Q>~¢H$ ’$mBZ|{e`b g{d©goO {b{‘Q>oS>g|Q´b ~¢H$ Am°’$ B§{S>`m-E‘E‘Amo ^dZ, 3 Vb (nyd© qdJ), 55 E‘Or amoS>, ’$moQ>©, ‘w§~B© 400001
9.86% ~ogb III Ho$ AZwê$n {ZåZ Q>r`a II ~m§S> (l¥§Ibm XIII)
780 26.02.2014 26.02.2024 INE077A08064
8.76 % ~ogb III Ho$ AZwê$n {ZåZ {Q>`a II ~m§S> (l¥§Ibm XIV)
400 20.09.2016 20.09.2026 INE077A08098
{dÎmr` df© Ho$ Xm¡amZ ~m§S> H$m ‘moMZ:{XZm§H$ 31.12.2017 H$mo H«$` {dH$ën H$m Cn`moJ H$aHo$ 10.05% ~o‘r`mXr ~m°ÝS> (l¥§Ibm I) H$m nwZ‘m}MZ {H$`m J`m Wm. {XZm§H$ 31.03.2018 H$mo 10.20% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm III) Am¡a 10.95% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm IV) H$mo{d{Z`m‘H$ ‘m‘bm| Ho$ A§VJ©V H«$` {dH$ën H$m à`moJ H$aHo$ nwZ‘m}MZ {H$`m J`m Wm.`o g^r ~m°ÝS> ^maVr` amîQ´r` eo`a~mOma {b{‘Q>oS> ‘| gyMr~Õ h¢ Am¡a ~¢H$ eo`a~mOma H$mo AJbo {dÎmr` df© 2018-19 Ho$ {bE BgH$s Xo` {V{W go nhbo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$aoJm.
11.3 h‘mao ~¢H$ Ho$ ~m§S>m| H$s gmI aoqQ>J H$s pñW{V:
~m§S> Ho$ àH$ma EO|gr aoqQ>J (‘mM© 2017)Q>r`a - II ~m§S> (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E E - / pñWa
Ho$`a aoqQ>J Ho$`a E + / pñWaB§{S>`m aoqQ>J B§{S>`m E E - / pñWa
~o‘r`mXr / AmB©.nr.S>r.AmB©. (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E +/ pñWaHo$`a aoqQ>J Ho$`a E / pñWaB§{S>`m aoqQ>J B§{S>`m E - / pñWa
Q>r`a II ~m§S> (~ogb III Ho$ AZwgma) Ho$`a aoqQ>J Ho$`a E + / pñWa
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
15g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
12.1 eo`am| Am¡a Mb{Z{Y H$m ~oH$mJOrH$aU
~¢H$ Ho$ eo`am| H$m ì`mnma Amdí`H$ ê$n go ~oH$mJOrH¥$V ñdê$n ‘| {H$`m OmVm h¡.OmarH$Vm© ~¢H$ Ho$ ê$n ‘|, ~¢H$ Zo eo`am| Ho$ ~oH$mJOrH$aU Ho$ {bE EZ.Eg.S>r.Eb. Am¡a gr.S>r.Eg.Eb. Ho$ gmW EH$ H$ama {H$`m h¡. go~r {Xem{ZX}em| H$s eVm] Ho$ AZwgma, ~¢H$ Ho$ a{OñQ´ma Am¡a eo`a A§VaU A{^H$Vm© ^r ~¢H$ Ho$ eo`aYmaH$m| H$mo A§VaU / ~oH$mJOrH$aU / nwZH$m©JOrH$aU H$s gw{dYm Xo aho h¢.
31-03-2018 H$mo
S>r‘oQ> H$mJOr ê$n ‘| Hw$b
eo`aYmaH$m| H$s g§»`m
2,16,856(87.48%)
31,027(12.52%)
2,47,883(100%)
eo`am| H$s g§»`m 225,06,15,237(99.63%)
84,31,093(0.37%)
225,90,46,330(100%)
12.2 eo`a A§VaU nÕ{V Am¡a {ZdoeH$m| H$s {eH$m`Vm| H$m {ZdmaU
~¢H$ Zo ‘ogg© qbH$ BZQ>mB©‘ B§{S>`m àmBdoQ> {b{‘Q>oS> H$mo ~¢H$ Ho$ a{OñQ´>ma >Am¡a eo`a A§VaU EO|Q> (Ama.EÊS>.Q>r) Ho$ ê$n ‘| H$m`© gm¢nm h¡ Am¡a eo`a / ~m°ÊS> A§VaU / àofU, bm^m§e/ã`mO ^wJVmZ Am¡a {ZdoeH$ g§~§Yr AÝ` g^r ‘m‘bm| na H$ma©dmB© h‘mao a{OñQ´ma Ed§ eo`a A§VaU EO|Q> Ûmam CZHo$ H$m`m©b` ‘| H$s OmVr h¡. a{OñQ´ma Ed§ eo`a A§VaU EO|Q> {ZdoeH$m| Ho$ AZwamoYm| na H$ma©dmB© H$aZo Ho$ ~mX, CÝh| ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eo`a A§VaU g§drjm g{‘{V Ho$ g‘j aIVm h¡ Am¡a dh g{‘{V ~¢H$ Ho$ eo`am| Ho$ A§VaU / àofU Am{X H$m AZw‘moXZ H$aHo$ CgH$s nw{ï> Ho$ {bE eo`a A§VaU g{‘{V H$mo AnZr g§ñVw{V ^oOVr h¡.
eo`aYmaH$ AnZo A§VaU {dboI (Ho$db H$mJOr én ‘| Ym[aV hmoZo Ho$ ‘m‘bo ‘|) Am¡a {eH$m`V g{hV AÝ` H$moB© àboI ~¢H$ Ho$ a{OñQ´ma Ed§ eo`a A§VaU EO|Q> Ho$ {ZåZ{bpIV nVo na ^oO gH$Vo h¢ Am¡a Bggo g§~§{YV nÌmMma ^r, `{X H$moB© hmo, Cgo ~¢H$ Ho$ {ZdoeH$ g§nH©$ Ho$Ð H$mo ZrMo {XE JE nVo na ^oO gH$Vo h¢.
‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>BH$mB©: XoZm ~¢H$, gr 101, 247 nmH©$, Eb. ~r. Eg ‘mJ©, {dH«$mobr (n{ü‘), ‘w§~B©,‘hmamï´> - 400083Q>obr’$moZ… 022 - 49186270Q>obr ’¡$Šg… 022 - 49186060B©-‘ob… [email protected], [email protected]
XoZm ~¢H$, àYmZ H$m`m©b`,{ZdoeH$ g§nH©$ H|$Ð, 3am Vb,XoZm H$mnm}aoQ> g|Q>a,gr-10, Or ãbm°H$, ~m§Ðm-Hw$bm© H$m°åßboŠg,~m§Ðm (nyd©), ‘w§~B© 400051Q>o{b’$moZ… 26545318/19/20Q>o{b’o$Šg… 26545317B© ‘ob… [email protected]
go~r Ho$ {Xem{ZXo©em| Ho$ AZwgma, ~¢H$ Zo {eH$m`Vm| Ho$ {ZdmaU hoVw EH$ {d{eï> B©-‘ob AmB©.S>r. [email protected] àXmZ H$s h¡. eo`aYmaH$m| go AZwamoY h¡ {H$ do {H$gr ^r Vah H$s {eH$m`Vm| Ho$ ‘m‘bo ‘| Bg gw{dYm H$m Cn`moJ H$a|.
12.3 H$mnm}aoQ> A{^emgZ ‘| A{^Zd nhb
H$mnm}aoQ> A{^emgZ ‘| A{^Zd nhb Ho$ én ‘|, g^r nÌm{X Am¡a XñVmdoO O¡go {H$ E.Or.E‘. H$s `m AÝ` gm‘mÝ` ~¡R>H$m| H$s gyMZm, ì`m»`mË‘H$ {ddaU, dm{f©H$ [anmoQ>©, VwbZ nÌ, {ZXoeH$m| H$s [anmoQ>©, boIm narjH$m| H$s [anmoQ>© Am¡a eo`aYmaH$m| Ho$ {bE AÝ` g§Xoe BboŠQ´m{ZH$ àmén ‘| eo`aYmaH$ Ûmam ~¢H$ ‘| `m {ZjonmJma Ho$ nmg, Omo ^r ‘m‘bm hmo, ~¢H$ n§OrH¥$V B©-‘ob ES´og na ^oOVm h¡.
g^r eo`aYmaH$m| go AZwamoY h¡ {H$ {ZjonmJma gh^mJr (S>r.nr.) `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> Ho$ nmg OëX go OëX AnZo B©-‘ob AmB©.S>r. n§OrH¥$V / AÚVZ H$a bo, Vm{H$ ~¢H$ Bg A{^Zd nhb H$mo A{YH$ gj‘ H$a gH|$.
12.4 {dÎmr` H¡$b|S>a: (AñWm`r)
{dÎmr` df© 1 Aà¡b 2018 go 31 ‘mM©, 2019
boIm| na {dMma H$aZo Ed§ bm^m§e, `{X H$moB© hmo, H$s g§ñVw{V H$aZo Ho$ {bE ‘§S>b H$s ~¡R>H$
11 ‘B© 2018 (ewH«$dma)
~hr ~§X hmoZo H$s VmarI| 21 OyZ 2018 go 27 OyZ 2018
‘w»Vmar ’$m‘© àmá H$aZo H$s A§{V‘ {V{W 22 OyZ 2018
22dt dm{f©H$ gm‘mÝ` g^m H$s VmarI 27 OyZ 2018 àmV … 11…00 ~Oo
àW‘ VrZ {V‘m{h`m| Ho$ {bE J¡a boImnar{jV n[aUm‘m| H$mo A{^boI ‘| boZo hoVw {ZXoeH$ ‘§S>b H$s ~¡R>H$
g§~§{YV {V‘mhr Ho$ ~mX Ho$ 45 {XZm| Ho$ A§Xa
22dt dm{f©H$ gm‘mÝ` g^m H$m ñWb g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na AñnVmb Ho$ nmg, Oo.dr.nr.S>r. ñH$s‘, {dbonmb} (n{ü‘), ‘w§~B© 400056
12.5 df© 2017-18 Ho$ Xm¡amZ EZ.Eg.B© Ed§ ~r.Eg.B©. Ho$ ‘mÜ`‘ go IarXo /~oMo JE eo`am| H$s H$s‘V Am¡a ‘mÌm…
amï´>r` ñQ>m°H$ EŠgM|O (EZ.Eg.B©.) ~m§~o ñQ>m°H$ EŠgM|O (~r.Eg.B©.)
Ad{Y Cƒ {ZåZ IarXo / ~oMo JE eo`am| H$s Hw$b ‘mÌm
Cƒ {ZåZ IarXo / ~oMo JE eo`am| H$s Hw$b ‘mÌm
Aà¡b -17 44.90 38.10 2,75,48,301 44.70 38.00 57,91,852
‘B© -17 50.10 33.75 7,01,42,856 50.00 33.70 1,66,34,343
OyZ -17 38.40 33.10 3,03,33,562 38.40 33.00 73,67,699
OwbmB© -17 36.10 32.10 1,87,63,644 36.10 32.25 41,77,220
AJñV -17 35.25 30.30 1,38,07,692 35.30 30.30 33,60,393
{gV§~a -17 33.60 30.00 1,69,20,104 33.45 30.45 27,48,452
Aºy$~a -17 32.00 27.10 10,15,94,414 32.00 27.10 1,41,13,357
Z~§da -17 28.70 24.30 7,09,26,971 28.80 24.30 1,15,14,144
{Xg§~a -17 26.40 23.55 3,40,37,649 26.40 23.70 66,11,760
OZdar -18 27.85 24.85 7,30,77,475 27.85 24.65 1,30,02,922
’$adar -18 25.50 19.85 3,79,73,140 25.55 19.85 77,71,152
‘mM© -18 21.60 18.05 3,15,33,392 21.70 18.00 65,03,534df© Ho$ Xm¡amZ gdm}ƒ 50.10 df© Ho$ Xm¡amZ gdm}ƒ 50.00
df© Ho$ Xm¡amZ Ý`yZV‘ 18.05 df© Ho$ Xm¡amZ Ý`yZV‘ 18.00
12.6 {XZm§H$ 31 ‘mM©, 2018 H$mo eo`aYm[aVm H$m ñdê$n:
31 ‘mM©, 2018 H$mo g‘má df© hoVw ~¢H$ H$s eo`aYm[aVm H$m ñdê$n {ZåZ àH$ma h¡…
H«$. g§.
loUr Ym[aV eo`am| H$s g§»`m
eo`aYm[aVm H$m %
1 ^maV gaH$ma 182,40,31,844 80.74
2 ~r‘m H§$n{Z`m§ 19,05,01,676 8.43
3 {dXoer g§ñWmJV {Zdoe 2,79,37,286 1.24
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
16g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
4 H$mnm}aoQ> {ZH$m` 2,52,95,657 1.12
5 EZ.Ama.AmB© / Amogr~r 56,06,737 0.25
6 ~¢H$ d {dÎmr` g§ñWmZ 3,84,19,247 1.70
7 å`wMwAb ’§$S> / `yQ>rAmB© 400 0.00
8 Ama.~r.AmB©., Ý`mgr Ho$ gmW n§OrH¥$V {Zdmgr d¡¶{º$H$ / EZ.~r.E’$.gr,
14,72,53,483 6.52
Hw$b 225,90,46,330 100.00
12.7 (H$) {XZm§H$ 31-03-2018 H$mo “àdV©H$ Am¡a àdV©H$ g‘yh” H$s loUr go g§~§{YV ì`{º$`m| H$s eo`aYm[aVm àX{e©V H$aZo dmbm {ddaU
H«$.g§.
eo`aYmaH$ H$m Zm‘ Ym[aV eo`a H$s g§»`m Hw$bYm[aVm H$m %
1. ^maV Ho$ amï´>n{V (^maV gaH$ma)
182,40,31,844 80.74
Hw$b 182,40,31,844 80.74
(I) {XZm§H$ 31.03.2018 H$mo OZVm H$s loUr go g§~§{YV ì`{º$`m| H$s eo`aYm[aVm Am¡a eo`am| H$s Hw$b g§»`m Ho$ 1 à{VeV go A{YH$ eo`aYm[aVm àX{e©V H$aZo dmbm {ddaU…
H«$.g§.
eo`a YmaH$m| H$s loUr Ym[aV eo`am| H$s g§»`m
eo`am| H$s Hw$b g§»`m Ho$ à{VeV Ho$ ê$n ‘| eo`a
1 ^maVr` OrdZ ~r‘m {ZJ‘ 15,52,69,698 6.87
2 ^maVr` gmYmaU ~r‘m {ZJ‘ 2,85,32,665 1.26
Hw$b 18,38,02,363 8.13
12.8 {XZm§H$ 31 ‘mM©, 2018 H$mo eo`aYm[aVm H$m {dVaU :
{ddaU eo`aYmaH$ eo`aYm[aVm
(eo`am| H$s g§»`m) g§»`m Hw$b H$m % g§»`m Hw$b H$m %
500 VH$ 206069 83.13 34625936 1.53
501-1000 20687 8.34 17325868 0.77
1001-2000 10490 4.23 16364235 0.72
2001-3000 3610 1.46 9361867 0.41
3001-4000 1725 0.70 6251979 0.28
4001-5000 1434 0.58 6825226 0.30
5001-10000 2144 0.86 16156277 0.72
10000 go A{YH$ 1724 0.70 2152134942 95.27
Hw$b 247883 100.00 2259046330 100.00
12.9 Eg EÊS> nr grEZEŠg {ZâQ>r Ho$ CVma-M‹T>md H$s VwbZm ‘| XoZm ~¢H$ Ho$ eo`a H$m {ZînmXZ {ZåZmZwgma àX{e©V h¡.
12.10. eo`a YmaH$m| Ho$ {bE gyMZm:
~¢H$ Zo {ZåZ{bpIV dfm] Ho$ {bE bm^m§e Kmo{fV {H$`m:
H«$‘ g§.
df© bm^m§e (%)
H«$‘ g§.
df© bm^m§e (%)
1 1996-1997 12% 13 2008-2009 12%
2 1997-1998 15% 14 2009-2010 20%
3 1998-1999 16% 15 2010-2011 22%
4 1999-2000 6% 16 2011-2012 30%
5 2000-2001 eyÝ` 17 2012-2013 47%
6 2001-2002 eyÝ` 18 2013-2014 (A§V[a‘)
11%
7 2002-2003 eyÝ` 19 2013-2014 (A§{V‘)
11%
8 2003-2004 eyÝ` 20 2014-2015 (A§{V‘)
9%
9 2004-2005 eyÝ` 21 2015-16 eyÝ`
10 2005-2006 eyÝ` 22 2016-17 eyÝ`
11 2006-2007 8% 23 2017-18 eyÝ`
12 2007-2008 10%
{XZm§H$ 16 Aºy$~a, 2006 H$s A{YgyMZm Ûmam ^maV gaH$ma Zo `h gy{MV {H$`m h¡ {H$ AmJo ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘, 1970/1980 ‘| g§emoYZ {H$`m J`m h¡ Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 Zm‘H$ Z`m {Z`‘ ~Zm`m h¡ Omo A{YgyMZm H$s VmarI go à^mdr h¡.
Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (2) Ho$ AZwgma ~¢H$ H$mo Omar bm^m§e Cnamoº$ A{Y{Z`‘ H$s ewéAmV Ho$ nhbo, AXÎm bm^m§e go {deof ImVm ‘o§ XoZm ~¢H$ (df©) Ho$ AXÎm bm^m§e ImVm ‘| A{Y{Z`‘ H$s ewê$AmV Ho$ ~mX N>… ‘mhm| ‘|, AWm©V {XZm§H$ 16 Aºy$~a, 2006 H$mo nyU© én go `m CgH$m {hñgm A§V[aV H$aoJm. ~¢H$ Zo Cnamoº$ Amdí`H$VmAm| H$m AZwnmbZ {H$`m h¡ Am¡a AXÎm bm^m§e ImVm ‘| Cgo A§V[aV ^r {H$`m h¡.
Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (1) Ho$ AZwgma, ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 H$s ewê$AmV Ho$ nhbo, bm^m§e Omo {H$ VXZwénr ZE ~¢H$ Ûmam Kmo{fV {H$`m J`m hmo Am¡a dh ^wJVmZ Zm {H$`m hmo `m Kmo{fV {H$`o OmZo H$s {V{W go Vrg {XZm| VH$ AXmdmH¥$V ahm hmo, `m {H$gr eo`aYmaH$ H$mo `m Ûmam bm^m§e Ho$ ^wJVmZ àmá H$aZo Ho$ {bE hH$Xma h¡, Vmo VXZwê$nr ~¢H$ Vrg {XZm| H$s Eogr Ad{Y H$s g‘má hmoZo H$s {V{W go 7 {XZ Ho$ A§Xa bm^m§e H$s Hw$b aH$‘ Omo AXÎm h¡ `m AXmdmH¥$V h¡ “AXÎm bm^m§e ImVm” Zm‘H$ {deof ImVo ‘| A§V[aV H$aoJm. ~¢H$ Zo df© 2014-15 Ho$ bm^m§e Ho$ {bE BZ {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡.
Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (3) Ho$ AZwgma, Bg Ymam Ho$ AZwgaU ‘| VXZwénr ZE ~¢H$ Ûmam AXÎm bm^m§e ImVo H$mo A§V[aV H$moB© ^r YZ Omo Eogo A§VaU H$s VmarI go gmV df© H$s Ad{Y VH$ AXÎm `m AXmdmH¥$V aho Vmo Cgo Ho$Ð gaH$ma Ûmam ñWm{nV {ZdoeH$ {ejm VWm g§ajU {Z{Y H$mo VXZwê$nr ZE ~¢H$ Ûmam A§V[aV {H$`m OmEJm. VXZwgma, ~¢H$ Ûmam 2009-10 VH$ AXÎm bm^m§f ImVo ‘| nSo> hþE AXÎm / AXmdmH¥$V bm^m§e am{e H$mo ~¢H$ Ûmam A§V[aV {H$`m J`m.
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
17g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
VXZwgma, {OZ eo`aYmaH$m| H$mo df© 2010-2011 go 2014-2015 VH$ bm^m§e àmá Zht hþAm h¡ do H¥$n`m ghm`Vm Ho$ {bE ~¢H$ Ho$ {ZdoeH$ gånH©$ H|$Ð `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> go gånH©$ H$a gH$Vo h¢. ~¢H$ Zo df© 2000-2001 go 2005-2006 Ho$ Xm¡amZ Am¡a 2015-16 go 2017-18 ‘| H$moB© ^r bm^m§e Kmo{fV Zht {H$`m h¡.
12.11 Ohm§ na B©.gr.Eg. gw{dYmE§ CnbãY h¢ dhm± {ZdoeH$m| H$mo BboŠQ´m{ZH$ g‘memoYZ godm Ho$ ‘mÜ`‘ go bm^m§e {dV[aV H$aZo Ho$ {bE O‘mH$Vm©Am| Ûmam àñVwV ~¢H$ ImVm| Ho$ {ddaUm| H$m Cn`moJ H$aZo hoVw go~r Zo Bgo g^r gyMr~Õ H$ån{Z`m| Ho$ {bE A{Zdm`© ~Zm {X`m h¡. EZ.B©.gr.Eg. gw{dYm CnbãY Z hmoZo H$s pñW{V ‘| {ZdoeH$m| H$mo bm^m§e {dVaU Ho$ {bE ~¢H$ ^wJVmZ {bIV na ~¢H$ ImVo H$m {ddaU, `{X CnbãY hmo, ‘w{ÐV H$aoJm.
12.12 Eogo eo`aYmaH$ {OZHo$ eo`a H$mJOr én ‘| h¢ Am¡a {OÝhm|Zo ~¢H$ H$mo A{YXoe {ddaU / A{YXoe {ddaU ‘| hþE n[adV©Z ~¢H$ H$mo gy{MV Zht {H$E h¢, do Cº$ {ddaU ~¢H$ H$mo àñVwV H$a| Vm{H$ bm^m§e dma§Q> Ho$ YmoImYS>r nyd©H$ ZH$XrH$aU go ~Mm gHo$. ~¢H$ A{YXoe àñVwV H$aZo H$m àmo’$m‘m© dm{f©H$ [anmoQ>© ‘| AbJ go CnbãY H$am`m J`m h¡.
12.13 H¥$n`m `h Ü`mZ X| {H$ {OZ eo`a YmaH$m| Ho$ eo`a H$mJOr ê$n ‘| h¢ do AnZo ~¢H$ A{YXoe {ddaU Am¡a nVo ‘| hþE n[adV©Z, `{X H$moB© hmo Vmo, eo`aYmaH$m| Ho$ A{^boI H$mo AÚVZ H$aZo Ho$ {bE ~¢H$ Ho$ {ZdoeH$ gånH©$ Ho$Ð `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>, ‘w§~B© H$mo ^oO gH$Vo h¢. Eogo eo`aYmaH$ {OZH$s eo`a Ym[aVm S>r‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¡ do ~¢H$ ImVm| Ho$ {ddaU, eo`aYmaH$ Am{X Ho$ nVo H$mo A{Zdm`© ê$n go AÚVZ ~ZmZo Ho$ {bE AnZo {ZjonmJma gh^mJr go gånH©$ H$a|.
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
18g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
gr.B©.Amo. Ed§ gr.E’$.Amo. à‘mUnÌ
go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 17(8) Ho$ A§VJ©V
{ZXoeH$ ԤS>b
XoZm ~¢H$,
‘w§~B©
h‘ EVX²-Ûmam 31 ‘mM©, 2018 H$mo g‘má {dÎmr` df© Ho$ {bE {dÎmr` {ddaUr VWm ZH$Xr àdmh {ddaUm| H$s g‘rjm Ed§ AnZr gdm}Îm‘ OmZH$mar Ed§ {dœmg Ho$ AmYma na à‘m{UV H$aVo h¡ {H$ -
i. BZ {ddaUm| ‘| ^m¡{VH$ ê$n go H$moB© JbV {ddaU Zht h¡ AWdm BZ‘| go H$moB© ^m¡{VH$ VÏ` hQ>mE Zht JE h¢ AWdm BZ‘| Eogm H$moB© {ddaU Zht h¡ Omo Jw‘amh H$aVo hm|,
ii. `o {ddaU Ho$ gmW ~¢H$ Ho$ H$m‘H$mO H$s EH$ gƒr Ed§ ñdÀN> N>{d àñVwV H$aVo h¢, gmW hr `o ~¢H$ Ho$ {dÎmr` n[aUm‘m| ‘| àH$Q> {H$E JE àM{bV boIm§H$Z ‘mZH$m|, à`moÁ` {d{Y`m| d {d{Z‘`m| Ho$ AZwnmbZ Ho$ AZwê$n h¡.
iii. h‘mar gdm}Îm‘ OmZH$mar d {dœmg Ho$ AZwgma, df© 2017-2018 Ho$ Xm¡amZ ~¢H$ Ûmam Eogm H$moB© boZ-XoZ Zht {H$`m J`m Omo H$nQ>nyU©, Ad¡Y AWdm ~¢H$ H$s AmMma g§{hVm H$m C„§KZ H$aZodmbm ahm hmo, {gdm` CgHo$ {OgH$s [anmoQ>© {ZXoeH$ ‘§S>b / ^maVr` [aOd© ~¢H$ H$mo H$a Xr JB© h¡.
iv. h‘ Am§V[aH$ {Z`§ÌUm| H$mo ñWm{nV H$aZo Ed§ CZH$mo ~ZmE aIZo H$m Xm{`Ëd ñdrH$ma H$aVo h¢, h‘Zo ~¢H$ H$s Am§V[aH$ {Z`§ÌH$ àUmbr H$s à^mdmË‘H$Vm H$m ‘yë`m§H$Z {H$`m h¡ Ed§ h‘Zo Am§V[aH$ {Z`§ÌU àUmbr Ho$ ñdén Ed§ n[aMmbZ go g§~§{YV CZ H${‘`m| {OZgo h‘ AdJV h¢, Ho$ ~mao ‘| boIm n[ajH$m| d boIm narjm g{‘{V H$mo ~Vm {X`m h¡ VWm h‘Zo BZ H${‘`m| H$mo gwYmaZo Ho$ {bE Ano{jV H$X‘ CR>mE h¢.
v. h‘ nwZ… à‘m{UV H$aVo h¢ {H$ :
1. df© Ho$ Xm¡amZ Am§V[aH$ {Z`§ÌU àUmbr ‘| H$moB© ‘hËdnyU© n[adV©Z Zht hþE h¢,
2. Bg df© Ho$ Xm¡amZ boIm§H$Z Zr{V`m| ‘| H$moB© ‘hËdnyU© n[adV©Z Zht hþE h¢ {gdm` CgHo$ {OÝh| ~¢H$ Ho$ {dÎmr` n[aUm‘m| ‘| àH$Q> H$a {X`m J`m h¡,
3. {ZXoeH$ ‘§S>b / ^maVr` [aOd© ~¢H$ H$mo H$s JB© [anmoQ>© H$mo N>mo‹S>H$a, à~§YZ AWdm {H$gr H$‘©Mmar {OgH$s ‘hËdnyU© ^y{‘H$m ~¢H$ H$s Am§V[aH$ {Z`§ÌU àUmbr ‘| h¡, Ho$ Eogo {H$gr ‘hËdnyU© N>b-H$nQ> Ho$ H$moB© CXmhaU Zht aho h¢ {Oggo Ed§ g§~§{YVm| go h‘ AdJV Zht hmo JE h¢. O~ H$^r H$moB© YmoImY‹S>r COmJa hþB© h¡ Vmo g§~§{YV H$‘©Mmar Ho$ {déÕ Amdí`H$ AZwemg{ZH$ H$ma©dmB© H$s JB© h¡. ^{dî` ‘| BgHo$ {ZdmaU g§~§Yr Amdí`H$ Cnm` ^r {Za§Va én go {H$E Om aho h¢.
(Cfm a{d) (S>m. amOoe Hw$‘ma `Xwd§er) (a‘oe Eg. qgh) ‘hm à~§YH$ H$m`©nmbH$ {ZXoeH$ H$m`©nmbH$ {ZXoeH$ ({dÎmr` à~§YZ) Am¡a gr.E’$.Amo.
{XZm§H$ : 11.05.2018
ñWmZ … ‘w§~B©
H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18
KmofUm
go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) Ho$ AZwgma H$m`©nmbH$ {ZXoeH$ H$s KmofUm.`h Kmo{fV {H$`m OmVm h¡ {H$ ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ho$ g^r gXñ`m| Am¡a ‘oao ~¢H$ Ho$ d[að> à~§YZ H${‘©`m| Zo go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) ‘| {d{Z{X©ï> AmMma g§{hVm Ho$ AZwgma 31 ‘mM©, 2018 H$mo g‘má {dÎmr` df© Ho$ {bE VXZwgma AZwnmbZ H$s nw{ï> H$a Xr h¡. Cº$ AmMma g§{hVm H$mo ~¢H$ H$s do~gmB©Q> na ^r àX{e©V {H$`m J`m h¡. H¥$Vo XoZm ~¢H$
a‘oe Eg. qgh$ H$m`©nmbH$ {ZXoeH${XZm§H$ : 11.05.2018ñWmZ… ‘w§~B©
19g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
H$mnm}aoQ> A{^emgZ na boIm narjH$m| H$m à‘mU nÌgo~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) Ho$ A§VJ©V
godm ‘|,{ZXoeH$ ‘§S>bXoZm ~¢H$, àYmZ H$m`m©b`XoZm H$mnm}aoQ> g|Q>a, gr-10, Or ãbm°H$,~m§Ðm-Hw$bm© H$m°ånboŠg, ~m§Ðm (nyd©)‘w§~B© - 400 051.
h‘Zo go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 ‘| `Wm {ZYm©[aV 31 ‘mM©, 2018 H$mo g‘má df© Ho$ {bE XoZm ~¢H$ Ûmam H$mnm}aoQ> A{^emgZ H$s eVm] Ho$ AZwnmbZ H$s Om±M H$s h¡.
H$mnm}aoQ> A{^emgZ H$s eVm] Ho$ AZwnmbZ H$m Xm{`Ëd à~§YZ H$m h¡. h‘mar Om§M Cº$ {d[Z¶‘mo Ho$ eVm] H$m AZwnmbZ gw{Z{üV H$aZo Ho$ {bE ~¢H$ Ûmam AnZm`r JB© H$m`©{d{Y Am¡a H$m`m©Ýd`Z H$aZo VH$ gr{‘V Wr. `h Z Vmo boImnarjm h¡ Am¡a Z hr ~¢H$ Ho$ {dÎmr` {ddaUm| na ‘§Vì` H$s A{^ì`{º$ h¡.
h‘mar am` ‘| Am¡a h‘mar gdm}Îm‘ OmZH$mar Am¡a h‘| {X`o J`o ñnï>rH$aUm| Ho$ AZwgma h‘ à‘m{UV H$aVo h¢ {H$ gm‘mÝ`V`m ~¢H$ Zo Cn`w©º$ gyMr~ÕVm H$ama Ho$ `Wm {ZYm©[aV H$mnm}aoQ> A{^emgZ H$s eVm} H$m AZwnmbZ {H$`m h¡, µO~ VH$ {H$ do ^maV gaH$ma / ^maVr` [aµOd© ~¢H$ Ûmam Omar {Xem{ZX}emo go Ag§JV Zht h¡.
1. 1 {gV§~a 2017 go ~¢H$ ‘| H$moB© ‘{hbm {ZXoeH$ Zht h¡ Š`m|{H$ ^maV gaH$ma Zo {H$gr ^r ‘{hbm {ZXoeH$ H$mo {Z`wº$ Zht {H$`m h¡.
2. My§{H$ 23 ‘mM©, 2018 H$mo Xmo ‘§S>b gXñ` godm{Zd¥Îm hþE, ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma Ý`yZV‘ nm§M gXñ`m| H$s g§»`m g‘j 31 ‘mM©, 2018 VH$ ~¢H$ H$s boIm narjm g{‘{V ‘| Ho$db VrZ gXñ` Wo. 26 Aà¡b, 2018 H$mo Am`mo{OV ‘§S>b H$s ~¡R>H$ Ho$ Vwa§V ~mX ~¢H$ Ûmam CŠV [a{º$`m| H$mo ^a {X`m J`m Wm.
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20g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
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lr A{‘V MQ>Ou H$s {Z`w{º$ ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| A§eH$m{bH$ J¡a A{YH$mar {ZXoeH$ Ho$ ê$n ‘| {XZm§H$ 28 OZdar 2016 H$mo hþB©. lr A{‘V MQ>Ou g|Q> ñQ>r’$Ýg ‘hm{dÚmb` {Xëbr go ~r.E.(AmZg©) AW©emñÌ {H$`m h¡. CÝhm|Zo {X„r ñHy$b Am°’$ BH$moZm{‘Šg go E‘.E. AW©emñÌ, ’o$H$ëQ>r Am°’$ ‘¡ZoO‘|Q> ñQ>S>rO, {X„r go E‘.~r.E. (’$mB©Z|g) Am¡a B§{S>`Z B§ñQ>rQ>çyQ> Am°’$ npãbH$ ES>{‘{ZñQ´oeZ, ZB© {X„r go E‘.{’$b (npãbH$ ES>{‘{ZñQ´oeZ) {H$`m h¡. lr A{‘V MQ>Ou Zo ìhmQ>©Z {~OZog ñHy$b, noZ{gbdo{Z`m {dœ{dÚmb` `y.Eg.E.,OmO© Q>mD$Z {dœ{dÚmb` `y.Eg.E., b§XZ
ñHy$b Am°’$ BH$moZm{‘Šg `y.Ho$., amîQ´r` àemg{ZH$ AH$mX‘r, ‘gyar, amï´>r` àË`j H$a AH$mX‘r, ZmJnwa Am¡a ^maVr` à~§YZ g§ñWmZ, ~|Jbya g{hV à{Vð>V g§ñWmAm| ‘| {d{^Þ ì`mdgm{`H$ à{ejU H$m`©H«$‘m| ‘| gh^m{JVm H$s h¡.
lr A{‘V MQ>Ou ^maVr` amOñd godm Ho$ godm‘wº$ A{YH$mar h¢. CÝhm|Zo ^maV gaH$ma H$s godmAm| ‘| 36 dfm] Ho$ ì`mnH$ AZw^d (g§`wº$ g{Md ñVa Am¡a Cggo Cna ‘| 14 df© g{hV) go {deof H$m¡eb àmßV H$a {b`m h¡. Zr{VJV ‘m‘bm| H$m {ZX}eZ H$aZo ‘| CZH$s ì`mnH$ n¥ð>^y{‘ h¡ Am¡a {dÎm ‘§Ìmb`, H$m°nm}aoQ> ‘m‘bm|, {~Obr, dm{UÁ` Am¡a CÚmoJ ‘§Ìmb`m| ‘| d[að> nXm| na H$m`©aV h¢. AnZr godm Ad{Y Ho$ Xm¡amZ, CÝhm|Zo {d{^Þ j‘VmAm| ‘| ^maV gaH$ma Ûmam J{R>V {d{^Þ g{‘{V`m| na H$m`© {H$`m h¡. dh ‘w§~B© Am¡a {X„r Ho$ nyd© ‘w»` Am`wº$, Am`H$a h¢. lr A{‘V MQ>Ou Zo {~hma, CÎma àXoe Am¡a ‘Ü` àXoe g{hV {d{^Þ amÁ`m| ‘| MwZmd n`©dojH$ Ho$ ê$n ‘| ^maV Ho$ {Zdm©MZ Am`moJ ‘| ^r H$m`© {H$`m h¡.
lr Or. JmonmbH¥$îU ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| {XZm§H$ 28 OZdar 2016 go A§eH$m{bH$ J¡a- gaH$mar {ZXoeH$ Ho$ én ‘| {Z`wº$ {H$E JE h¢. do H$bm Am¡a {d{Y ñZmVH$ h¢. ^maVr` ~¢H$a g§ñWmZ H$m à‘m{UV Egmo{gEQ> (gr.E.AmB©.AmB©.~r.) h¢.
lr JmonmbH¥$îUm AŠQy>~a 2007 go Aà¡b 2014 VH$ m.[a.~¢. ‘| H$m`©nmbH$ {ZXoeH$ Wo. do CƒñVar` {dÎmr` AZwg§YmZ VWm AÜ``Z H|$Ð (H¡$’$ab) Ho$ {ZXoeH$ Wo Omo ~¢qH$J Am¡a {dÎmr`Z ‘| AZwg§YmZ Am¡a AÜ``Z hoVw {dœ ñVar` d¡{œH$ g§ñWm H$m {dH$mg H$aZo Ho$ {bE ^maVr` [aOd© ~¢H$ (^m.[a.~¢.) Ûmam H¡$’$ab ñWm{nV {H$`m J`m h¡.
2011 Ho$ Xm¡amZ, CÝhm|Zo gyMZm gwajm, BboŠQ´m{ZH$ ~¢qH$J VH$ZrH$, OmopI‘ à~§YZ Am¡a gmB©~a YmoImY‹S>r na H$m`© g‘yh H$s AÜ`jVm H$s. lr JmonmbH¥$îUm, ^maV ‘| n`©dojU à{H«$`m H$s g‘rjm hoVw 2012 ‘| ^m.[a.~¢. Ûmam {Z`wº$ Cƒ ñVar` g§MmbZ g{‘{V Ho$ ^mJ Ho$ ê$n ‘| n`©dojU aoqQ>J énaoIm H$s g‘rjm hoVw J{R>V VH$ZrH$s g‘yh Ho$ AÜ`j Wo.
S>m°. `emodY©Z d‘m© H$mo {XZm§H$ 28 ‘mM©, 2018 go eo`aYmaH$ {ZXoeH$ Ho$ én ‘| MwZm J`m h¡. S>m° d‘m© Zo Bbmhm~mX {díd{dÚmb` go ‘H¡${ZH$b B§Or{Z`[a¨J ‘| {S>J«r, ng©Zb ‘oZoO‘|Q> Am¡a B§S>ñQ´r`b [aboeZ ‘| n§Om~ {díd{dÚmb` go ñZmVH$moÎma {H$`m h¡. do AmB©.AmB©.Q>r., IaJnwa go nr.EM.S>r. ^r h¢
CÝhm|Zo AnZo H¡$[a`a H$s ewéAmV Q>mQ>m ñQ>rb Ho$ gmW H$s Am¡a CÝhm|Zo Cfm B§{S>`m Am¡a qOXmb g§ñWm Ho$ gmW ‘mZd g§gmYZ {d^mJ ‘| ^r H$m`© {H$`m. CÝhm|Zo E‘.AmB©.Ama.gr. BboŠQ´m{ZŠg {b{‘Q>oS> ‘| gr.B©.Amo. VWm Eb.Or. BboŠQ´m{ZŠg B§{S>`m (Kaoby CnH$aU) ‘| {ZXoeH$ Ho$ én ‘|, B§{S>`Z Am°naoeÝg ‘| ‘w»` n[aMmbZ A{YH$mar Am¡a CnmÜ`j (‘mZd g§gmYZ)Ho$ én ‘| H$m`© {H$`m h¢.
lr d‘m© H$mo {~OZog Qw>So> Ûmam 'hoao{Q>H$' Am¡a 'JbAn' nwañH$mam| go gå‘m{ZV {H$`m J`m Wm Am¡a 1997 ‘| ^maV H$s EH$ à{V{ð>V H$mamo~ma n{ÌH$m, {~OZog Qw>So> Ho$ ‘wIn¥ð> na ^r CÝh| ñWmZ {X`m J`m Wm. ì`mdgm{`H$ à~§YZ ‘| ‘hËdnyU© `moJXmZ Ho$ {bE CÝh| ApIb ^maVr` à~§YZ Egmo{gEeZ Ûmam gå‘mZmW© {ejmd¥{Îm àXmZ H$s JB© h¡. dh Am°b B§{S>`m ‘¡ZoO‘|Q> Egmo{gEeZ Ho$ à~§YZ n[afX Ho$ gXñ` ^r Wo. do 2009-11 H$s Ad{Y Ho$ Xm¡amZ Cn^moº$m BboŠQ´m°{ZŠg Am¡a CnH$aU {Z‘m©Vm (gr.B©.E.E‘.E.) Ho$ AÜ`j Wo.
lr amHo$e Hw$‘ma H$mo 28 ‘mM©, 2018 H$mo ~¢H$ Ho$ ‘§S>b ‘| eo`aYmaH$ {ZXoeH$ Ho$ ê$n ‘| {Zdm©{MV {H$`m J`m h¡. do ^m¡{VH$s {dkmZ ‘| ñZmVH$moÎma h¡. dV©‘mZ ‘|, do ^maVr` OrdZ ~r‘m {ZJ‘ ‘| H$m`©nmbH$ {ZXoeH$ ({dnUZ/ ~¢H$~r‘m Am¡a d¡H$pënH$ M¡Zb) Ho$ ê$n ‘| H$m`©aV h¢. dV©‘mZ Xm{`Ëd go nyd©, do CÎma A§Mb H$m`m©b` Ho$ joÌ à~§YH$ ({dnUZ), CÎma joÌ H$m`m©b` Am¡a nydu H|$Ðr` joÌ H$m`m©b` Ho$ joÌ à~§YH$ (H$m{‘©H$ Am¡a Am¡Úmo{JH$ g§~§Y) Wo.
21g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
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1 lr AídZr Hw$‘ma AÜ`j Ed§ à~§Y {ZXoeH$ 60 E‘.Eg.gr. gr.E.AmB©.AmB©.~r. 01.01.2013 go 31.12.2017
1. maVr` OrdZ ~r‘m {ZJ‘ {ZXoeH$
0
2 lr‘Vr V¥îUm Jwhm H$m`©nmbH$ {ZXoeH$ 60 E‘.Eg.gr., H§$ß`yQ>a {dkmZ ‘| nr.Or.S>r. 05.08.2013 go 31.08.2017
eyÝ` 0
3 lr a‘oe Eg. qgh H$m`©nmbH$ {ZXoeH$ 56 ~r.E., Eb.Eb.~r., gr.E.AmB©.AmB©. ~r. 22.01.2016 go 21.01.2019
eyÝ` 0
4 S>m° amOoe Hw$‘ma `Xwd§er H$m`©nmbH$ {ZXoeH$ 57 E‘.Eg.gr., E§Q>‘m°bOr ‘| nr.EM.S>r., gr.E.AmB©.AmB©.~r.
09.10.2017 go 08.10.2020
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5 lr AemoH$ Hw$‘ma qgh ^maV gaH$ma Zm{‘Vr 49 ~r.Q>oH$ (‘¡Ho${ZH$b B§Or{Z`[a¨J) 15.01.2016 go AJbo AmXoe VH$
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6 lr Eg. gr. ‘wa‘w ^maVr` [aOd© ~¢H$- Zm{‘Vr 50 E‘.Eg.gr, gr.E.AmB©.AmB©.~r. 03.05.2016 go AJbo AmXoe VH$
eyÝ` 0
7 lr ~§{H$‘ Ama. XogmB© H$m‘Jma H$‘©Mmar {ZXoeH$ 58 ~r. H$m°‘ 19.09.2014 go 18.09.2017
eyÝ` 0
8 lr A{‘V MQ>Ou A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$
63 ~rE (Am°Zg©) - AW©emó, E‘~rE (’$mBZ|g E§S> ‘¡ZoO‘|Q>) E‘ {’$b (bmoH$ àemgZ)
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eyÝ` 0
9 lr Or. JmonmbH¥$îU A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$
62 ~r.E., Eb.Eb.~r., gr.E.AmB©.AmB©. ~r. 28.01.2016 go 27.01.2019
1. gmo[ab hmopëS§>J EÊS> doÝMa {b{‘Q>oS>
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10 S>m°. C‘oe ~o„ÿa eo`aYmaH$ {ZXoeH$ 52 ~r.B©., H§$ß`yQ>a {dkmZ ‘| nr.EM.S>r. 24.03.2015 go 23.03.2018
eyÝ` 100
11 lr dr. M§ÐeoIaZ eo`aYmaH$ {ZXoeH$ 60 ~r.H$m°‘, E’$.gr.E. 24.03.2015 go 23.03.2018
1. y.Q>r.AmB©. d|Ma ’§$S> ‘¡ZoO‘|Q> H§$nZr àmBdoQ> {b{‘Q>oS>
2. Eb.AmB©.gr. EM.E’$.Eb. EgoQ> ‘¡ZoO‘|Q> H§$nZr {b{‘Q>oS>
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200
12 S>m° `emo dY©Z d‘m© eo`aYmaH$ {ZXoeH$ 60 ~r.B©., ngm}Zb ‘oZoO‘|Q> Am¡a B§S>ñQ´r`b [aboeZ ‘| ñZmVH$moÎma,Am°J©ZmBOoeZb {~ho{d`a ‘| nr.EM.S>r.
24.03.2015 go 23.03.2018
Am¡a28.03.2018 go 27.03.2021
1. B§{S>`Z{ZH$m b{ZªJ àmB©doQ> {b{‘Q>oS>
2. [aZmH$ B§{S>`m {b{‘Q>oS>3. doHo$Aa H§$ñ`y‘a gmB§g
àmB©doQ> {b{‘Q>oS>
200
13 lr amHo$e Hw$‘ma eo`aYmaH$ {ZXoeH$ 57 E‘.Eg.gr. (^m¡{VH$ {dkmZ) 28.03.2018 go 27.03.2021
eyÝ` 100
22g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
31.03.2018 H$mo ‘§S>b H$s g{‘{V`m| H$m JR>Z
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5. lr Or. JmonmbH¥$îUZ 5. A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$
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06.0
3.18
27.0
9.17
22.0
3.18
22.0
3.18
13.1
0.17
09.1
1.17
04.1
2.17
30.1
2.17
30.0
1.18
21.0
2.18
31.0
3.18
Hw$b13
1210
04
41
44
44
24
418
42
74
0
26g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
godm ‘|,^maV Ho$ ‘mZZr` amîQ´n{V / XoZm ~¢H$ Ho$ gXñ`m| {dÎmr` {ddaUm| na [anmoQ>©1 h‘Zo XoZm ~¢H$ (~¢H$) Ho$ 31 ‘mM©, 2018 Ho$ {dÎmr` {ddaUm| H$s boIm narjm
H$s, {Og‘| g‘m{dï> h¢ 31 ‘mM©, 2018 H$m VwbZ-nÌ, Cgr VmarI H$mo g‘má hmoZo dmbo df© Ho$ bm^-hm{Z boIo VWm ZH$Xr àdmh {ddaU VWm ‘hËdnyU© boIm Zr{V`m§, boIm| H$s {Q>ßn{U`m§ Ed§ AÝ` ì`m»`mË‘H$ gyMZmAm| H$m gmam§e. BZ {ddaUm| ‘| em{‘b h¡ h‘mao Ûmam boIm nar{jV 20 emImAm|> VWm emIm Ho$ gm§{d{YH$ boIm narjH$m| Ho$ Ûmam boIm nar{jV 758 emImAm| Ho$ {ddaU. h‘mao Ûmam VWm AÝ` boIm narjH$m| Ûmam boIm-nar{jV emImAm| H$m M`Z ^maVr` [aµOd© ~¢H$ Ûmam ~¢H$ H$mo {XE JE {Xem {ZX}em| Ho$ AZwgma {H$`m J`m h¡. VwbZ nÌ Am¡a bm^ Ed§ hm{Z boIm ‘| CZ 1094 (72 g¡Q>obmB©Q> emImAm| g{hV) emImAm| H$s {dda{U`m§ ^r em{‘b h¢ {OZH$s boIm narjm Zht hþB© h¡. J¡a boIm nar{jV emImAm| Ho$ A{J«‘ Hw$b A{J«‘m| Ho$ 11.67%, O‘mam{e`m| Ho$ 37.87%, ã`mOJV Am` Hw$b ã`mOJV Am` Ho$ 12.21% Am¡a ã`mOJV ì`` Hw$b ã`mOJV ì`` Ho$ 37.03% hmoVo h¢.
{dÎmr` {ddaUm| Ho$ {bE à~§YZ H$s CËVaXm{¶Ëd2. ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949, ^maVr` [aµOd© ~¢H$ Ho$ g‘` - g‘`
na Omar {Xem{ZXoem| Am¡a ^maV ‘| ñdrH¥$V boIm ‘mZH$m| Ho$ AZwgma {ZYm©[aV {dÎmr` {ddaUm| H$mo, Omo {dËVr` pñW{V, {dËVr` {ZînmXZ Am¡a ~¢H$ Ho$ ZH$Xr àdmh H$m ghr Am¡a {Zînj Ñ{ï>H$moU X|, V¡`ma H$aZo H$s {Oå‘oXmar à~§YZ H$s h¡. Bg {Oå‘oXmar ‘| em{‘b h¡ énaoIm ~ZmZm, bmJy H$aZm VWm Am§V[aH$ {Z`§ÌU H$s ì`dñWm, Omo {dÎmr` {ddaUm| H$mo ~ZmZo Ho$ g§~§Y ‘| h¢ {df` g§~§Yr {H$gr JbV ì`m»`m Omo {H$ JbVr `m YmoImY‹S>r Ho$ H$maU hmo, go ‘wº$ hmoZm Mm{hE.
boIm narjH$m| H$s CËVaXm{¶Ëd3. h‘mam CËVaXm{¶Ëd AnZo {H$E JE boIm narjU Ho$ AmYma na BZ {dÎmr`
{ddaUm| na AnZr ì`m»`m àH$Q> H$aZm h¡. h‘| AnZm boIm narjU B§ñQ>rQ>`yQ> Am°’$ MmQ>©S©> EH$mCQ>oÊQ> Am°’$ BpÊS>`m Ûmam Omar boIm narjm ‘mZH$m| Ho$ AZwgma H$aZm h¡. CZ ‘mZH$m| H$mo nyam H$aZo Ho$ {bE Amdí`H$ h¡ {H$ h‘ Zr{VnaH$ Amdí`H$VmAm| H$mo nyam H$a| Ed§ `moOZm ~ZmE§ VWm {dÎmr` {ddaU {df` g§~§Yr JbV ì`m»`m go ‘wº$ h¡, Bg Vah H$m C{MV AmœmgZ àmá H$aZo Ho$ {bE boIm narjm H$mo g§nÞ H$a|.
4. boIm narjm ‘| {Z{hV h¡ {H$ {dÎmr` {ddaUm| ‘| ~VmB© OmZo dmbr am{e `m àH$Q>rH$aU Ho$ g§~§Y ‘| boIm narjm g§~§Yr gmú` H$mo àmá H$aZo Ho$ {bE à{H«$`mAm| H$mo nyU© H$a|. à{H«$`mAm| H$m MwZmd boIm narjH$ Ho$ {ZU©` na AmYm[aV h¡ {Og‘| em{‘b h¡ {df`JV OmopI‘ H$m {ZYm©aU Ed§ {dÎmr` {ddaUm| Ho$ g§~§Y ‘| JbV ì`m»`m, Mmho dh YmoImYS>r m JbVr go hmo. BZ OmopI‘m| H$m {ZYm©aU H$aZo ‘| ~¢H$ H$s V¡`mar Ho$ g§~§Y ‘| boIm narjH$ H$mo Am§V[aH$ {Z`§ÌU na {dMma H$aZm hmoJm Am¡a {dÎmr` {ddaUm| H$s gm’$-gwWar àñVw{V Ho$ {bE Cgo boImnarjm H$s à{H«$`mAm| H$s énaoIm ~ZmZr hmoJr, Omo CnbãY n[apñW{V`m|
ñdV§Ì boIm narjH$m| H$s [anmoQ>©
Ho$ AZwgma `w{º$`wº$ hmo. boIm narjm ‘| em{‘b h¡ à~§YZ Ûmam {H$E JE boIm§H$Z AZw‘mZm| H$m AmH$bZ H$aZm Ed§ boIm§H$Z Zr{V`m| Ho$ `w{º$`wº$ H$aU H$m ‘yë`m§H$Z H$aZm. gmW hr g‘J« én ‘| {dÎmr` {ddaUm| Ho$ àñVwVrH$aU H$m ‘yë`m§H$Z H$aZm.
5. h‘| {dœmg h¡ {H$ àmá boIm narjm gmú` h‘mao boIm narjm ‘V Ho$ {bE n`m©á Am¡a Cn`wº$ h¢.
‘V6. h‘mar am` ‘|, ~¢H$ H$s ~{h`m| ‘| Xem©E JE AZwgma Am¡a h‘mar gdm}Îm‘ gyMZm
Ho$ AmYma na VWm h‘| {XE JE ñnï>rH$aU Ho$ AZwgma :H$. {Q>ßn{U`m| Ho$ gmW n{R>V VwbZ nÌ AnZo Amdí`H$ ã`m¡am| Ho$ gmW nyU© Am¡a
ghr h¢ VWm Bgo Eogo C{MV én go V¡`ma {H$`m J`m h¡ {H$ Cggo 31 ‘mM© 2018 H$mo ~¢H$ Ho$ H$m`©H$bmnm| H$m ghr Am¡a ñnï> {MÌ CnpñWV hmo gHo$ Am¡a ^maV ‘| gm‘mÝ` én ‘| ñdrH¥$V boIm§H$Z Zr{V`m| Ho$ AZwgaU ‘| h¡.
I. {Q>ßn{U`m| Ho$ gmW n{R>V bm^ hm{Z boIm bm^ Ho$ dmñV{dH$ A{Veof H$mo Xem©Vm h¡ Omo ImVo Ho$ g‘má df© Ho$ {bE, ^maV ‘| gm‘mÝ` én ‘| ñdrH¥$V boIm§H$Z Zr{V`m| Ho$ AZwgma h¡; Am¡a
J. ZH$Xr àdmh {ddaU Cg VmarI H$mo g‘má df© H$s ZH$Xr àdmh H$s dmñV{dH$ pñW{V Xem©Vm h¡.
AÝ` {d{YH$ Ed§ {d{Z`m‘H$ Amdí`H$VmAm| na [anmoQ>©7. VwbZ-nÌ Am¡a bm^ d hm{Z boIm ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949 Ho$ Ymam
29 Ho$ AZwgma V¡`ma {H$E JE h¢;
D$na n¡am 1 go 5 ‘| {Z{X©ï> boImnarjm H$s gr‘mAm| Ho$ AYrZ Am¡a ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Am¡a A§VaU) A{Y{Z`‘, 1970/1980 Ûmam Ano{jV Am¡a Cg‘| `Wm àH$Q>Z H$s gr‘mAm| H$s Anojm Ho$ AYrZ h‘ [anmoQ>© H$aVo h¢ {H$ :
H$. h‘mar gdm]Îm‘ OmZH$mar Ed§ {dœmg Ho$ AZwgma h‘mar boIm narjm Ho$ à`moOZ hoVw h‘Zo g^r Amdí`H$ gyMZmE§ Ed§ ñnï>rH$aU àmá {H$E h¢ Am¡a CÝh| g§VmofOZH$ nm`m h¡;
I. ~¢H$ Ho$ boZXoZ, Omo h‘mar OmZH$mar ‘| AmE h¢, ~¢H$ Ho$ A{YH$ma joÌ ‘| h¢.
J. ~¢H$ Ho$ H$m`m©b`m| Am¡a emImAm| go àmá {dda{U`m§ h‘mar boIm narjm Ho$ CÔoí` Ho$ {bE n`m©Îm nmE JE.
8. AmJo h‘ `h gy{MV H$aVo h¢ {H$:H$. Bg [anmoQ>© ‘| Om§Mo JE VwbZ nÌ Am¡a bm^ hm{Z ImVo, ImVm-~{h`m| Am¡a
{ddaUm| Ho$ gmW H$ama h¢.
I. ~¢qH$J {d{Z`‘ A{Y{Z`‘, 1949 H$s Ymam 29 Ho$ A§VJ©V emIm boIm narjH$m§o H$s [anmoQ>© h‘o AJ«o{fV H$s JB© Wr Am¡a Bg [anmoQ>© H$mo ~ZmVo g‘` Bg [anmoQ>© H$s R>rH$ go Om§M H$s JB©;
J. h‘mao {dMma ‘|, VwbZ nÌ, bm^ hm{Z boIm Am¡a ZH$Xr àdmh {ddaU boIm§H$Z ‘mZH$m§o H$m AZwnmbZ H$aVo h¢.
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma n§mS>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
27g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{jßV {dËVr` {ddaUm| na boIm narjH$m| H$s [anmoQ>©
godm ‘|,
XoZm ~¢H$ Ho$ eo`aYmaH$m|,
h‘Zo XoZm ~¢H$ Ho$ 31 ‘mM© 2018 H$s pñW{V Ho$ g§b½Z g§{jßV VwbZ nÌ, g§{jßV bm^ Ed§ hm{Z boIm VWm Cg {V{W H$mo g‘mßV df© Ho$ {bE ZH$Xr àdmh {ddaU VWm CgHo$ gmW g§bJZ {Q>ßn{U`m| (Bg‘| BgHo$ níMmV g§{jßV {dËVr` {ddaU {bIm J`m h¡) H$s Om§M {H$`m h¡.
`h g§{jßV {dËVr` {ddaU ~¢H$ Ûmam H§$nZr (Ho$ÝÐr` gaH$ma Ho$) gm‘mÝ` {Z`‘ Ed§ ’$m‘©, 1956 Ho$ {Z`‘ 7E Ho$ AZwgaU ‘| VWm {dËV ‘§Ìmb`, ^maV gaH$ma Ho$ nÌ g§»`m E’$.g§.7/116/2012-~r.Amo.E. {XZm§H$ 1 AJñV 2012 Ûmam `Wm A{Ygy{MV Am¡a ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949 H$s Ymam 29 Ho$ àmdYmZm| Ho$ AZwgma 31 ‘mM© 2018 H$mo g‘mßV df© Ho$ {bE ~¢H$ Ho$ boIm nar{jV {dËVr` {ddaUm| Ho$ AmYma na V¡`ma {H$E JE h¢ Am¡a Bgo ^maV Ho$ amîQ´n{V H$mo àñVwV {XZm§H$ 11 ‘B© 2018 H$s h‘mar [anmoQ>© ‘| ^r em{‘b {H$`m J`m h¡, Omo BgHo$ gmW g§b½Z h¡.
g§{jßV {dËVr` {ddaUm| na boIm narjH$m| H$s [anmoQ>©
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma n§mS>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
28g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{já VwbZ nÌ
31 _mM©, 2018 H$s pñW{V Ho AZwgma g§{já VwbZ nÌ
(` ‘000’ _o§)
31.03.2018 H$s pñW{V
31.03.2017 H$s pñW{V
ny§Or Am¡a Xo`VmE§ny§Or 2,25,90,463 78,71,499
Ama{jV Am¡a A{Yeofgm§{d{YH Ama[j{V¶m§ 1,65,69,006 1,65,69,006 ny§OrAma{jV 13,07,266 13,07,266 eo`a àr{_`_ 5,33,64,727 2,56,97,770 amOñd Am¡a AÝ` Ama{j{V`m§1 3,54,17,518 3,54,72,002 Amd§QZ Ho {bE b§{~V eo`a AmdoXZ am{e 0 79,23,292 bm^ Ed§ hm{Z boIm _o§ eof (3,72,20,969) (1,79,89,437)
Hw$b 6,94,37,548 6,89,79,899 O_mam{e`m§_m§J O_mE§ 6,10,36,173 7,34,40,140 ~MV ~¢H O_mE§ 36,47,14,880 36,23,85,978 _r`mXr O_mE§ 63,55,50,371 70,36,01,556
Hw$b 1,06,13,01,424 1,13,94,27,674CYma^maV _o§ CYma(H ) ^maVr` {aOd© ~¢H go 80,00,000 27,50,000 (I) AÝ` ~¡H$mo§ go 0 0 (J) AÝ` g§ñWmAmo§ Am¡a EOo§{g`mo§ go 0 49,98,767 (K) ~m§S
H ) ZdmoÝ‘ofr ~o‘r¶mXr H$O© {bIV (AmB©.nr.Sr.AmB©) 12,50,000 25,00,000
I) ~ogb III AZwnmbZ EQr I ~m§S 0 1,40,00,000
J) Cƒ Qr`a II ~m§S 0 0
K) AàË`m^yV Jm¡U H$O© 1,45,60,000 1,45,60,000
L) ~ogb III AZwnmbZ Qr`a II ~m§S 1,18,00,000 1,18,00,000
^maV Ho ~mha CYma 0 0
Hw$b 3,56,10,000 5,06,08,767
AÝ` Xo`VmE§ Am¡a àmdYmZ
Xo` {~b 38,09,066 50,10,637
A§Va H$m`m©b` g_m`moOZ (ewÕ) 0 51,82,328
Cn{MV ã¶mO 39,92,856 49,21,078
_mZH$ AmpñV`mo§ Ho {bE àmdYmZ 47,52,805 63,39,252
AmñW{JV H$a Xo`Vm (ewÕ) 0 0
AÝ` 71,03,800 69,64,012
Hw$b 1,96,58,527 2,84,17,307
Hw$b ny§Or Am¡a Xo`VmE§ 1,20,85,97,962 12,95,305,146
1 ` 10930211 hOma H$m nwZ_y©ë`m§H$Z Ama{jV {Z{Y em{_b h¡ ({nNbo df© ` 10984695 hOma)
29g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{já VwbZ nÌ
31 _mM©, 2018 H$s pñW{V Ho AZwgma g§[jßV VwbZ nÌ
(` ‘000’ _o§) 31.03.2018 31.03.2017
H$s pñW{V H$s pñW{V
AmpñV`m§
^maVr` {aOd© ~¢H _o§ ZH$Xr Am¡a A{Veof 5,89,47,354 6,01,08,622
~¢H$mo§ _o§ A{Veof VWm _m§J Ed§ Aën gyMZm na àmß` YZ
^maV _o§ ~¢H$mo§ _o§ A{Veof 3,66,357 4,59,491
^maV _o§ _m§J Ed§ Aën gyMZm na àmß` YZ 0 0
^maV Ho ~mha A{Veof 2,60,900 20,75,200
Hw$b 6,27,257 25,34,691
{Zdoe
^maV _o§
(H ) gaH$mar à{V^y{V`m§ 29,67,93,306 34,51,23,928
(I) Aݶ AZw_mo{XV à{V^y{V`m§ 0 0
(J) eo`a 25,09,661 35,41,027
(K) {S~o§Ma Am¡a ~m§S 4,01,32,614 3,97,08,616
(S) AZwf§Jr Am¡a / `m g§`w³V CÚ‘ 1,93,319 1,93,319
(U) {deof gaH$mar à{V^y{V`m§ EM.Qr.E_. {Zdoe J¡a-Eg-.Eb.Ama. 2,80,20,000 0
(Q) AÝ` 84,46,644 88,05,367
^maV Ho ~mha 0 0
Hw$b 37,60,95,544 39,73,72,257
A{J«_
^maV _o§
(H ) IarXo Am¡a ^wZmE JE {~b 86,87,851 85,10,333
(I) ZH$X CYma, Amoda S—mâQ Am¡a _m§J na ^wJVmZ {H$`o OmZo dmbo G$U 25,61,38,122 33,94,25,454
(J) gmd{Y G$U 39,09,89,171 37,78,10,374
^maV Ho ~mha 0 0
Hw$b 65,58,15,144 72,57,46,161
pñWa AmpñV`m§ 1,55,73,355 1,57,70,062
AÝ` AmpñV`m§
A§Va-H$m`m©b` g_m`moOZ (ewÕ) 28,68,127 0
Cn{MV ã¶mO 1,05,28,667 1,24,62,746
A{J«_ ê$n go àXÎm H$a / ómoV na H$mQ>m J`m H$a (ewÕ) 1,23,75,159 1,20,44,319
AmñW{JV H$a AmpñV (ewÕ) 2,97,55,210 1,71,99,210
Xmdmo§ Ho {ZnQmZ ñdê$n àmá J¡a-~¢qH$J AmpñV`m§ 98,600 98,600
Ama.AmB©.Sr.E\ /Ama.EM.Sr.E\ /E_.Eg.E_.B© nwZ{d©Îm/ E_.Eg.E_.B© (Omo{I_ ny§Or) {Z{Y 3,85,97,676 4,07,17,154
AÝ` 73,15,869 1,12,51,324
Hw$b 10,15,39,308 9,37,73,353
Hw$b AmpñV`m§ 1,20,85,97,962 1,29,53,05,146
30g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{já VwbZ nÌ
31 _mM©, 2018 H$s pñW{V Ho AZwgma g§{já VwbZ nÌ
(` ‘000’ _o§) 31.03.2018 31.03.2017
H$s pñW{V H$s pñW{V
AmH$pñ_H Xo`mVmE§
~¢H Ho {dêÕ Eogo Xmdo {OÝho§ G$U Ho ê$n _o§ ñdrH$ma Zht {H`m J`m h¡. 14,96,09,845 2,78,63,212
~H$m`m A{J«‘ {d{Z`_ g§{dXmAmo§ Ho H$maU Xm{`Ëd 25,94,66,531 29,75,60,842
J«mhH$mo§ H$s Amoa go Xr JB© Jma§{Q`m§ 7,46,45,313 6,90,30,787
ñdrH¥${V¶m§, n¥îRm§H$Z Am¡a AÝ` Xm{`Ëd 2,92,60,369 3,31,63,302
AÝ` Eogr _Xo§ {OZHo {bE ~¢H g§^mì` ê$n go CÎmaXm¶r h¡ 33,18,300 26,70,000
Hw$b 51,63,00,358 43,02,88,143
g§J«hU Ho {bE {~b 2,59,53,406 2,67,90,737
g§b¾ ZmoQ> g§{já VwbZ nÌ Ho$ A{Zdm¶© ^mJ h¡.
a_oe Eg. qgh H$m`©nmbH {ZXoeH
Sm°. amOoe Hw$_ma `Xwd§er H$m`©nmbH {ZXoeH
AemoH Hw$_ma qgh {ZXoeH
Eg.gr. _wa_w {ZXoeH
Or. JmonmbH¥$îU {ZXoeH
A{_V MQOr© {ZXoeH
Sm° `emodY©Z d_m© {ZXoeH
amHo$e Hw$_ma {ZXoeH
E. ^Ðmghm. _hm à~§YH
n§H$O {_ÎmbCn _hm à~§YH
Cfm a{d _hm à~§YH
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma nm§S>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
31g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{já bm^ Ed§ hm{Z boIm
31 _mM©, 2018 H$mo g‘má df© Ho$ {bE g§{já bm^ Ed§ hm{Z boIm
(` ‘000’ _o§)
31.08.2018
H$mo g_má Ad{Y 31.03.2017
H$mo g_má Ad{Y
Am`
A{O©V ã¶mO
A{J«_mo§ / {~bmo§ na 5,83,29,110 6,96,87,859
{Zdoemo§ na 2,68,18,964 2,90,60,905
^m.{a.~¢H Ho A{Veofmo§ Am¡a A§Va ~¢H {Z{Y`mo§ na 10,19,055 3,70,547
AÝ` 31,55,118 26,97,418
Hw$b 8,93,22,247 10,18,16,729
AÝ` Am`
H$_reZ, {d{Z_` Am¡a Xbmbr 25,05,449 22,75,952
{Zdoemo§ Ho$ {dH«$` na bm^/ (hm{Z) (ewÕ) 42,28,365 63,19,714
^y{_ Am¡a ^dZ VWm AÝ` AmpñV¶m| Ho {dH«$` na bm^ / (hm{Z) (ewÕ) (6,046) (3,841)
{d{Z_` boZXoZ na bm^ /(hm{Z) (ewÕ) 4,54,342 3,30,424
{dXoemo§ / ^maV _o§ pñWV AZwf§{J`mo§ / H§$n{Z`mo§/ g§`wº$ CÚ_mo§ go bm^m§e Am{X Ho ên _o§ A{O©V Am` 19,237 37,914
{d{dY Am` 44,33,862 35,53,822
Hw$b 1,16,35,209 1,25,13,985
춶
춶 {H$`m J`m ã¶mO
{Zjonmo§ na 5,95,55,504 7,21,30,419
^maVr` {aOd© ~¢H /A§Va ~¢H CYmamo§ na 6,09,382 4,95,971
AÝ` 43,99,234 51,06,739
Hw$b 6,45,64,120 7,77,33,129
n{aMmbZJV 춶
H$_©Mm{a`mo§ H$mo ^wJVmZ Am¡a CZHo {bE àmdYmZ 1,58,74,971 1,48,40,846
{H$am`m, H$a Am¡a {~Obr 21,69,252 20,80,310
_wÐU Am¡a boIZ gm_J«r 2,07,735 2,40,394
{dkmnZ Am¡a àMma 44,384 1,75,630
~¢H H$s g§nÎmr na Adj`U 7,97,210 31,317
{ZXoeH$mo§ H$s ’$sg, ^Îmo Am¡a IMo© 9,956 14,375
boIm narjH$mo§ H$s ’$sg Am¡a 춶 (emIm Ho boIm narjH$mo§ g{hV) 1,19,997 1,40,323
{d{Y à^ma 1,89,831 1,48,130
SmH IM©, Vma Am¡a Qobr’$moZ Am{X 3,98,960 3,39,158
_aå‘V Am¡a AZwajU 4,71,397 3,37,912
~r_m 11,53,521 12,79,203
Aݶ 32,44,553 30,67,855
Hw$b 2,46,81,767 2,26,95,453
32g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
g§{já bm^ Ed§ hm{Z boIm
31 _mM©, 2018 H$mo g‘má df© Ho$ {bE g§{já bm^ Ed§ hm{Z boIm
(` ‘000’ _o§)
31.08.2018H$mo g_má df©
31.03.2017 H$mo g_má df©
àmdYmZ Ed§ AmH$pñ‘H$VmE§
{Zdoemo§ na Adj`U Ho {bE àmdYmZ 20,37,871 33,42,163
J¡a {ZînmXH AmpñV`mo§ Ho {bE àmdYmZ 4,28,18,036 2,45,77,458
_mZH AmpñV`mo§ Ho {bE àmdYmZ (15,86,447) 5,11,083
nwZJ©{RV AmpñV`mo§ Ho$ {bE àmdYmZ (E\ .AmB©.Qr.Eb. g{hV) 1,33,546 (17,27,179)
AÝ` (Am`H$a H$mo NmoSH$a) 96,095 (47,845)
Hw$b 4,34,99,101 2,66,55,680
Hw$b 춶 Am¡a àmdYmZ 13,27,44,988 12,70,84,262
H$a nyd© bm^/ (hm{Z) (3,17,87,532) (1,27,53,548)
dV©_mZ H$a (1,25,56,000) 6,49,300
AmñW{JV H$a (47,66,600)
H$a nümV bm^ / (hm{Z) (1,92,31,532) (86,36,248)
{d{Z`moOZ
gm§{d{YH Ama{j{V`mo§ _o§ A§VaU 0 0
AÝ` Ama{j{V`mo§ _o§ A§VaU 0 0
gaH$ma H$mo A§VaU / àñVm{dV bm^m§e 0 0
VwbZnÌ _o§ AmJo bo Om`m J`m A{Veof (1,92,31,532) (86,36,248)
g§b¾ ZmoQ> g§{já VwbZ nÌ Vo A{Zdm¶© ^mJ h¡.
a_oe Eg. qgh H$m`©nmbH {ZXoeH
Sm°. amOoe Hw$_ma `Xwd§er H$m`©nmbH {ZXoeH
AemoH Hw$_ma qgh {ZXoeH
Eg.gr. _wa_w {ZXoeH
Or. JmonmbH¥$îU {ZXoeH
A{_V MQOr© {ZXoeH
Sm° `emodY©Z d_m© {ZXoeH
amHo$e Hw$_ma {ZXoeH
E. ^Ðmghm. _hm à~§YH
n§H$O {_ÎmbCn _hm à~§YH
Cfm a{d _hm à~§YH
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma nm§S>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
33g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
31 ‘mM©, 2018 H$mo g‘mßV df© Ho$ {bE g§{jßV {dËVr` {ddaUm| H$s {Q>ßn{U`m§
1. V¡`ma H$aZo H$m AmYma
g§{jßV {dËVr` {ddaU ({dËV ‘§Ìmb`, ^maV gaH$ma Ho$ nÌ g§.E’$.g§.7/116/2012 ~rAmoE {XZm§H$ 1 AJñV, 2012 Ûmam `Wm A{Ygy{MV H§$nZr Ho$ÝÐ gaH$ma gm‘mÝ` {Z`‘ Am¡a ’$m‘©, 1956 Ho$ {Z`‘ 7 E) Ho$ AZwgaU ‘| 31 ‘mM©, 2018 H$mo g‘mßV df© Ho$ {bE ~¢H$ Ho$ boIJm nar{jV {dËVr` {ddaUm| (Bg‘| BÝh| dm{f©H$ {dËVr` {ddaU H$hm J`m h¡) Ho$ AmYma na V¡`ma {H$`o J`o h¢.
2. ‘hËdnyU© boIm§H$Z Zr{V`m§ :
~¢H$ H$s ‘hËdnyU© boIm§H$Z Zr{V`m§ dm{f©H$$ {dËVr` {ddaU H$s AZwgyMr 17 ‘| Xr JB© h¡.
3. boIm H$s {Q>ßn{U`m§ Am¡a AÝ` àH$Q>Z dm{f©H$ {dËVr` {ddaUm| H$s AZwgyMr 18 ‘| Xr JB© h¢.
g§{jßV {dËVr` {ddaUm| H$s {Q>ßn{U`m§
a_oe Eg. qgh H$m`©nmbH {ZXoeH
Sm°. amOoe Hw$_ma `Xwd§er H$m`©nmbH {ZXoeH
AemoH Hw$_ma qgh {ZXoeH
Eg.gr. _wa_w {ZXoeH
Or. JmonmbH¥$îU {ZXoeH
A{_V MQOr© {ZXoeH
Sm° `emodY©Z d_m© {ZXoeH
amHo$e Hw$_ma {ZXoeH
E. ^Ðmghm. _hm à~§YH
n§H$O {_ÎmbCn _hm à~§YH
Cfm a{d _hm à~§YH
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma nm§S>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
34g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ZH$Xr àdmh {ddaU
31 _mM©, 2018 H$mo g‘má df© Ho$ {bE ZH$Xr àdmh {ddaU
(` ‘000’ _o§)
31.08.2018H$mo g_má df©
31.03.2017 H$mo g_má df©
H . n{aMmbZ {H«$`mH$bmnmo§ go ZH$Xr àdmh
(1) H$a VWm AgmYmaU _Xmo§ go nyd© {Zdb bm^ (1,92,31,532) (86,36,248)
(2) J¡a ZH$Xr _Xmo§ Ho {bE g_m`moOZ
AMb AmñV{`mo§ Ho {dH«$` na (bm^) / hm{Z(ewÕ) 6,046 3,841
Adj`U (nwZ_y©ë`m§H$Z Ama{j{V`mo§ H$m ewÕ) 7,97,210 31,317
gm°âQdo`a 춶 H$m n{aemoYmZ 91,968 81,531
{Zdoe na ^wJVmZ {H$E JE àr{_`_ H$m n{aemoYZ 7,31,282 6,21,465
XrKm©d{Y G$Umo§ na ^wJVmZ {H `m J`m ã¶mO 43,99,234 51,06,718
àmdYmZ Ed§ AmH$pñ‘H$VmE§ (H$a Ho A{V[a³V) 4,34,99,101 2,66,55,680
H$a Ho {bE àmdYmZ (g§nÎmrH$a g{hV) (1,25,56,000) (41,17,300)
godm {Zd¥{Îm bm^ hoVw Xo`VmAmo§ Ho {bE àmdYmZ 5,02,900 76,300
AÝ`
1,82,40,209 1,98,23,304
(3) H$m`©erb ny§Or n{adV©Zmo§ _o§ (d¥{Õ) / H$_r Ho {bE g_m`moOZ:
{Zdoe 1,85,07,560 (4,90,73,703)
A{J«_ 2,65,65,006 7,37,26,686
AÝ` AmpñV¶m§ 50,31,000 9,92,512
CYma 2,51,233 (1,31,04,488)
O_mam{e`m°§ (7,81,26,250) (3,48,81,929)
AÝ` Xo`VmE§ Am¡a àmdYmZ (73,56,899) 37,91,840
Am`H$a YZ dmngr/(à˶j H$a ^wJVmZ) (2,40,956) (1,71,402)
n{aMmbZ {H«$`mH bmnmo§ _o§ Cn`moJ H$s JB© ewÕ ZH$Xr/ A{O©V ZH$Xr (1,71,29,097) 11,02,820
I. {Zdoe {H«$`mH$bmnmo§ go ZH$Xr àdmh
A_yV© AmmñV{`mo§ g{hV AMb ApñV`mo§ H$s IarX (7,62,171) (5,32,210)
AMb AmpñV`mo§ H$s {~H«$s 9,170 17,245
{Zdoe {H«$`mH$bmnmo§ _o§ Cn`moJ H$s JB© / A{O©V ewÕ ZH$Xr (7,53,001) (5,14,965)
n{aMmbZ Am¡a {Zdoe {H«$`mH$bmnmo§ go ZH$Xr àdmh (1,78,82,097) 5,87,855
35g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
(` ‘000’ _o§)
31.08.2018H$mo g_má df©
31.03.2017 H$mo g_má df©
(J) {dÎmr`Z {H«$`mH$bmnmo§ go ZH$Xr àdmh
B©{³dQ>r eo`a Omar H$aZm (eo`a àr{_`_ g{hV) 4,23,85,921 44,59,999
Amd§Q>Z Ho {bE b§{~V eo`a AmdoXZ am{e (79,23,292) 79,23,292
df© Ho Xm¡amZ amOñd Ama{jV {Z{Y`mo§ _o§ H$Qm¡Vr 0
~ogb III AZwnmbZ EQ>r I ~m§S 0 40,00,000
~m§S ^wJVmZ {ZåZ Qr`a II 0 (30,00,000)
àXÎm bm^m§e Am¡a bm^m§e H$a 0 0
~ogb III AZwnmbZ EQ>r I ~m§S (14000000)
ZdmoÝ_ofr ~o{‘¶mXr H$O© {bIV (AmB©.nr.Sr.AmB©.) (1250000)
XrKm©d{Y G$Umo§ na àXÎm ã¶mO (43,99,234) (51,06,718)
{dÎmr` {H«$`mH$bmnmo§ _o§ Cn`moJ H$s JB©/ go A{O©V ewÕ ZH$Xr 1,48,13,395 82,76,573
ZH$Xr Ed§ ZH$Xr Ho Vwë` _o§ ewÕ d¥{Õ / (H$_r) (30,68,702) 88,64,428
àma§{^H ZH$Xr Am¡a ZH Xr Ho Vwë` 6,26,43,313 5,37,78,885
A§{V_ eof ZH$Xr Am¡a ZH Xr Ho Vwë` 5,95,74,611 6,26,43,313
ZH$Xr àdmh {ddaU
31 _mM©, 2018 H$mo g‘má df© Ho$ {bE ZH$Xr àdmh {ddaU
a_oe Eg. qgh H$m`©nmbH {ZXoeH
Sm°. amOoe Hw$_ma `Xwd§er H$m`©nmbH {ZXoeH
AemoH Hw$_ma qgh {ZXoeH
Eg.gr. _wa_w {ZXoeH
Or. JmonmbH¥$îU {ZXoeH
A{_V MQOr© {ZXoeH
Sm° `emodY©Z d_m© {ZXoeH
amHo$e Hw$_ma {ZXoeH
E. ^Ðmghm. _hm à~§YH
n§H$O {_ÎmbCn _hm à~§YH
Cfm a{d _hm à~§YH
H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma
H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma
H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma
H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma
(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C
(à^mV Hw$‘ma nm§S>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E
(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W
({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W
ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018
36g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
~¢H$ Ho$ nmg B© ‘ob AmB©.S>r. H$m n§OrH$aU(^m¡{VH$ ê$n ‘| eo`a aIZo dmbo eo`aYmaH$m| Ho$ {bE)
H$ånZr g{MdXoZm ~¢H$, {ZdoeH$ g§nH©$ H$j,XoZm H$mnm}aoQ> goÝQ>a,gr-10, Or ãbm°H$, ~mÐm Hw$bm© H$måßboŠg~mÐm (nyd©), ‘w§~B© 400 051
{à` ‘hmoX`,‘¢ XoZm ~¢H$ go AZwamoY H$aVm hÿ± {H$ gm‘mÝ` ~¡R>H$m| H$s gyMZm, boIm nar{jV {dÎmr` {ddaU, {ZXoeH$m| H$s [anmoQ>© VWm AÝ` XñVmdoOm| Ho$ {bE ‘oam {ZåZ{b{IV B© ‘ob nVm a{OñQ>a H$a| Am¡a gyMZm ^m¡{VH$ ‘mÜ`‘ go ^oOZo Ho$ ~Om` BboŠQ´m{ZH$ ‘mÜ`‘ go ^oO|.
’$mo{b`mo g§.
àW‘ / EH$b eo`aYmaH$ H$m nyam Zm‘
B© ‘ob AmB©.S>r.(Cn`w©º$ à`moOZ Ho$ {bE n§OrH¥$V {H$`m OmZm h¡)
‘mo~mBb / Xya^mf g§.
{XZm§H$ hñVmja
g^r H$m°b‘ ^aZm A{Zdm¶© h¡.
A{Zdm`© gyMZm
{Q>ßnUr…1. `{X AmnHo$ nmg ~¢H$ Ho$ eo`a S>r‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¢ Vmo ~¢H$ Cn`w©º$ XñVmdoO AmnHo$ Ûmam àXÎm B© ‘ob nVo na BboŠQ´m{ZH$ ê$n ‘| ^oOZo H$m àñVmd H$aVm h¡, Omo
AmnHo$ O‘mH$Vm© Ûmam CnbãY H$am¶m Om¶oJm.2. eo`aYmaH$m| go AZwamoY h¡ {H$ ~¢H$ H$mo gy{MV H$a| {H$ CZHo$ nmg eo`a ^m¡{VH$ ê$n ‘| h¡. `{X eo`a {S>‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¢ Vmo CZHo$ S>r.nr., O¡go ^r pñW{V hmo, H$mo
CZHo$ B© ‘ob AmB©S>r ‘| n[adV©Z Ho$ ~mao ‘| gy{MV H$a|.
àYmZ H$m`m©b`… XoZm H$m°nm}aoQ> g|Q>a, gr-10, Or ãbm°H$, ~m§Ðm Hw$bm© H$m°åßboŠg, ~m§Ðm (nyd©), ‘w§~B© - 400 051
37g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
gyMZm
EVXÛmam gyMZm Xr OmVr h¡ {H$ XoZm ~¢H$ Ho$ eo`a YmaH$m| H$s 22dt dm{f©H$ gm‘mÝ` g^m ~wYdma, 27 OyZ, 2018 H$mo àmV… 11.00 ~Oo g^mJ¥h, ga gmoam~Or nmo-MImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Oo.dr.nr.S>r. ñH$s‘, Hy$na hmpñnQ>b Ho$ nmg, Owhÿ {dbo nmb} (n{ü‘) ‘w§~B© 400056 ‘| {ZåZm§{H$V H$m`m] H$mo g§nm{XV H$aZo hoVw Am`mo{OV hmoJr…-
1. 31 ‘mM© 2018 Ho$ VwbZ nÌ Am¡a Cgr VmarI H$mo g‘má df© Ho$ bm^ Ed§ hm{Z boIm|, ~¢H$ Ho$ H$m‘H$mO Ed§ J{V{d{Y`m| na {ZXoeH$ ‘ÊS>b H$s [anmoQ>© VWm VwbZ nÌ Am¡a boIm na boIm narjH$m| H$s [anmoQ>© na {dMma-{d‘e©, AZw‘moXZ Ed§ A§JrH$ma H$aZm.
{ZXoeH$ ‘§S>b Ho$ AmXoemZwgmaH¥$Vo XoZm ~¢H$
ñWmZ… ‘w§~B© (A{‘V Hw$‘ma){XZm§H$… 30.05.2018 H§$nZr g{Md
{Q>ßn{U`m§
1. ‘Vm{YH$ma
A{Y{Z`‘ H$s Ymam 3 H$s CnYmam (2 B©) Ho$ àmdYmZm| Ho$ AZwgma H|$ÐgaH$ma Ho$ A{V[a³V VXZwénr ZE ~¢H$ Ho$ {H$gr ^r eo`aYmaH$ H$mo H|$Ð gaH$ma Ho$ Abmdm, ~¢H$ Ho$ g^r eo`aYmaH$m| Ho$ Hw$b ‘Vm{YH$ma H$m, CgHo$ Ûmam Ym[aV eo`am| Ho$ {bE 10 à{VeV go A{YH$ ‘V XoZo H$m A{YH$ma Zht hmoJm. A{Y{Z`‘ ‘| hþE {H$gr g§emoYZ Ho$ H$maU, {d{Z`‘Z A{Y{Z`‘, moOZm Am¡a {d{Z`‘m| ‘| r H$moB© m {dÚ‘mZ à{H«$`m Omo gyMZm ‘| Xr JB© h¡, Ho$ {H$gr ^mJ ‘| n[adV©Z hmoVm h¡, Vmo dh g§emoYZ à^mdr hmoJm.
{d{Z`‘ 68 Ho$ AZwgma, Cn`w©ŠV H$s eV© na, àË`oH$ eo`aYmaH$, Omo {ZYm©[aV {V{W AWm©V² ~wYdma, 20 OyZ, 2018 H$mo eo`aYmaH$ Ho$ ê$n ‘| n§OrH¥$V h¡, VH$ CZHo$ Ûmam Ym[aV àË`oH$ eo`a Ho$ {bE EH$ ‘V H$m A{YH$ma hmoJm.
{d{Z`‘m| Ho$ {d{Z`‘ 10 Ho$ AZwgma, `{X eo`a Xmo `m A{YH$ ì`{º$`m| Ho$ Zm‘ na h¢, Vmo a{OñQ>a ‘| {Og ì`{º$ H$m Zm‘ àW‘ h¡, dh ‘VXmZ Ho$ g§X^© ‘|, EH$b YmaH$ ‘mZm OmEJm. AV…, `{X eo`a g§`wº$ YmaH$m| Ho$ Zm‘ na h¢, Vmo {Og ì`{º$ H$m Zm‘ àW‘ h¡, dh hr ~¡R>H$ ‘| ^mJ bo gH$Vm h¡ Am¡a dh hr Zm‘m§H$Z, ^mJ boZo Am¡a ~¡R>H$ ‘| ‘VXmZ H$aZo Ho$ {bE nmÌ hmoJm.
2. ‘w»Vmar H$s {Z`w{º$
g^m ‘| CnpñWV ahZo Am¡a ‘VXmZ H$aZo H$m / Ho$ nmÌ eo`aYmaH$ AnZo ñWmZ na g^m ‘| {H$gr AÝ` H$mo CnpñWV ahZo VWm ‘VXmZ H$aZo Ho$ {bE à{V{Z{Y {Z`wº$ H$aZo H$m nmÌ hmoJm / hmoJr. à{V{Z{YËd à^mdr hmo, Bg Ñ{ï> go à{V{Z{Y {Z`wº$ H$aZo Ho$ nmÌ AWm©V ‘w»Vmar ’$m‘© ‘| gyMZm 22dt dm{f©H$ gm‘mÝ` g^m H$s VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V ewH«$dma, 22 OyZ, 2018 H$mo H$m‘-H$mO H$m g‘` g‘má hmoZo Ho$ g‘` `m Cggo nyd© ~¢H$ H$mo {d{Z{X©ï> ñWb na Adí` àmá hmo OmZr Mm{hE.
3. àm{YH¥$V à{V{Z{Y H$s {Z`w{º$
H$moB© ^r ì`{º$ Cº$ ~¡R>H$ ‘| {H$gr H§$nZr `m {ZJ{‘V {ZH$m`, Omo {H$ ~¢H$ H$m eo`a YmaH$ h¡, Ho$ àm{YH¥$V à{V{Z{Y Ho$ én ‘| V~ VH$ ^mJ boZo Ho$ {bE nmÌ Zht hmoJm
`m ‘VXmZ Zht H$a gHo$Jm, O~ VH$ {H$ Cgo à{V{Z{Y Ho$ én ‘| {Z`wº$ H$aZo Ho$ ~mao ‘| nm[aV g§H$ën H$s à{V{b{n, Omo {H$ Cg ~¡R>H$ Ho$ A¿`j Ûmam à‘m{UV H$s JB© hmo {Og ~¡R>H$ ‘| Cº$ g§H$ën nm[aV {H$`m J`m Wm, 22dt dm{f©H$ gm‘mÝ` g^m H$s {V{W go H$‘ go H$‘ Mma {XZ nhbo AWm©V² ewH«$dma, 22 OyZ, 2018 H$mo H$m`m©b` g‘` H$s g‘m{á VH$ `m CgHo$ nyd© ~¢H$ Ho$ àYmZ H$m`m©b` ‘| H$ånZr g{Md, {ZdoeH$ g§nH©$ Ho$ÝÐ, XoZm H$m°nm}aoQ> g|Q>a, gr-10, Or - ãbm°H$, ~m§Ðm Hw$bm© H$måßboŠg, ~m§Ðm (nyd©), ‘w§~B©-400051 Ho$ nmg O‘m Zht H$a Xr OmVr.
4. CnpñW{V-gh-àdoe nMu
eo`aYmaH$m| H$s gw{dYm Ho$ {bE CnpñW{V-gh-àdoe nMu Bg [anmoQ>© Ho$ gmW g§b¾ h¡. eo`aYmaH$m|/‘w»VmaZm‘m YmaH$m|/àm{YH¥$V à{V{Z{Y`m| go AZwamoY h¡ {H$ do Cg‘| {XE JE ñWmZ na AnZo hñVmja H$aHo$ Cgo g^m ñWb na àñVwV H$a|. eo`aYmaH$ Ho$ àm{YH¥$V à{V{Z{Y / ‘w»Vmar CnpñW{V-gh-àdoe nMu ‘| ‘w»Vmar `m àm{YH¥$V à{V{Z{Y, O¡gr ^r pñW{V hmo, H$m C„oI H$a|. g^m ñWb ‘| àdoe H$s AZw‘{V Ho$db d¡Y CnpñW{V nMu -gh - àdoe nmg Ho$ AmYma na hr Xr OmEJr.
5. ~hr ~§X aIZm
~¢H$ Ho$ eo`aYmaH$m| H$m a{OñQ>a Am¡a eo`a AÝVaU a{OñQ>a dm{f©H$ gm‘mÝ` g^m Am¡a bm^m§e H$s nmÌVm gw{Z{üV H$aZo Ho$ CÔoí` go Jwê$dma, 21 OyZ, 2018 go ~wYdma, 27 OyZ, 2018 (XmoZm| {XZ em{‘b) VH$ ~ÝX ah|Jo.
6. bm^m§e
{dÎmr` df© 2017-18 Ho$ {bE ~¢H$ Ho$ ‘§S>b Ho$ {ZXoeH$m| Zo {H$gr bm^m§e H$s g§ñVw{V Zht H$s h¡.
7. A§VaU
H$mJOr ê$n ‘| Ym[aV eo`a à‘mU nÌm| H$mo A§VaU {dboI g{hV ~¢H$ Ho$ n§Or`H$ Ed§ A§VaU EOoÝQ> H$mo ^oOm OmZm Mm{hE.
8. Xmdm Z {H$E JE bm^m§e, `{X H$moB© hmo Vmo
H|$Ð gaH$ma Ûmam ñWm{nV H§$nZr A{Y{Z`‘, 2013 H$s Ymam 125 Ho$ VhV {dÎmr` df© 1996-97 go 1999-2000, 2006-07 go 2009-10 VH$ Ho$ {bE bm^m§e {ZdoeH$ {ejm Am¡a g§ajU H$mof (AmB©.B©.nr.E’$.) ‘| A§V[aV H$a {X`m J`m h¡.
BgHo$ A{V[a³V, ~¢qH$J H$ånZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘ 1970 H$s Ymam 10 ~r Ho$ AZwgma, `{X AXÎm bm^m§e ImVo ‘| A§VaU Ho$ gmV dfm] VH$ bm^m§e H$s am{e AXÎm ahVr h¡ `m CgHo$ {bE H$moB© Xmdm Zht {H$`m OmVm Vmo Cgo AmB©.B©.nr.E’$. ‘| A§V[aV {H$`m OmVm h¡.
Eogo eo`aYmaH$m| {OÝhm|Zo {dÎmr` df© 2010-11 go 2014-15 hoVw bm^m§e dma§Q> H$m ZH$XrH$aU Zhr {H$`m h¡ / bm^m§e àmá Zht {H$`m h¡, CZgo {ZdoXZ h¡ {H$ do Sw>ßbrHo$Q> bm^m§e dma§Q> Omar H$aZo/ nwZ… d¡Y H$aZo hoVw ~¢H$ Ho$ a{OñQ´ma Ed§ eo`a A§VaU EOoÝQ> go g§nH©$ H$a|.
{dÎmr` df© 2010-11 hoVw AXmdmH¥$V / AàXÎm bm^m§e 24 OwbmB©, 2018 H$mo AmB©.B©.nr.E’$. H$mo ^oO {XE OmE§Jo.
38g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18gyMZm
9. nVo ‘| n[adV©Z
Eogo eo`aYmaH$ {OZH$s eo`a Ym[aVm BboŠQ´m°{ZH$ ê$n ‘| h¢ CZgo AZwamoY h¡ {H$ CZHo$ n§OrH¥$V nVo ‘|, `{X H$moB© n[adV©Z hþAm h¡ Vmo CgH$s gyMZm a{OñQ´ma VWm ~¢H$ Ho$ eo`a hñVm§VaU EOoÊQ>m| H$mo Z X|, AnZo {S>nm{OQ>ar H$mo X| {H$ eo`a YmaH$, {OZH$s eo`a Ym[aVm ^m¡{VH$ ê$n ‘| h¡, CZgo AZwamoY h¡ {H$ do CZHo$ n§OrH¥$V nVo ‘| `{X H$moB© n[adV©Z hmo Vmo CgH$s gyMZm {ZåZ{bpIV nVo na a{OñQ´ma VWm ~¢H$ Ho$ eo`a hñVm§VaU EOoÊQ>m| H$mo X|.
‘o. qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>B©H$mB© : XoZm ~¢H$gr 101, 247 nmH©$, Eb.~r.Eg. ‘mJ©, {dH«$mobr (n{ü‘)‘w§~B©, ‘hmamï´> - 400 083Q>obr’$moZ… 022-49186270Q>obr’¡$Šg… 022-49186060B©-‘ob… [email protected]
10. AnZm B© ‘ob nVm n§OrH¥$V H$aHo$ XñVmdoO B© ‘ob Ho$ ‘mÜ`‘ go àmá H$a|
go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 36 ‘| gyMr~Õ H§$nZr H$mo AnZr dm{f©H$ [anmoQ>© H$s gm°âQ> H$m°nr AnZo CZ g^r eo`aYmaH$m| H$mo ^oOZo Ho$ {bE AZw‘{V Xr JB© h¡ {OZHo$ Bg CÔoí` Ho$ {bE H§$nZr Ho$ nmg B© ‘ob nVo n§OrH¥$V h¢.
BgHo$ A{V[aŠV, go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 44 Ho$ AZ-wgma [a‘moQ> B©-‘VXmZ à{H«$`m eo`aYmaH$m| H$mo ‘ob Ûmam ^oOr OmEJr.
{OZ eo`aYmaH$m| Zo A^r VH$ AnZo B© ‘ob AmB©.S>r n§OrH¥$V Zht H$amE h¢ Am¡a CZHo$ eo`a m¡{VH$ én ‘| h¢, CZgo AZwamoY h¡ {H$ do AnZo B© ‘ob AmB©S>r a{OñQ´ma Ed§ A§VaU EO|Q> Ho$ nmg n§OrH¥$V H$admE§. `{X CZHo$ eo`a BboŠQ´m{ZH$ én ‘| h¢ Vmo do AnZo {S>nm{OQ>ar gh^mJr Ho$ nmg AnZm B© ‘ob AmB©S>r XO© H$admE§ Vm{H$ BgHo$ ~mX CZH$mo XñVmdoO Cº$ B© ‘ob nVo na BboŠQ´m{ZH$ ‘mÜ`‘ go oOo Om gHo$. CZH$s gw{dYm Ho$ {bE B© ‘ob Ho$ {ddaU gy{MV H$aZo Ho$ {bE ’$m‘}Q> dm{f©H$ [anmoQ>© Ho$ ^mJ Ho$ én ‘| g§b¾ h¡.
11. BboŠQ´m{ZH$ ‘mÜ`‘ Ûmam ‘VXmZ
H§$n{Z`m| (à~§YZ Ed§ àemgZ) {Z`‘, 2014 {Z`‘ 20 Ho$ gmW n{R>V go~r (Eb.Amo.S>r.Ama) {d{Z`‘, 2015 Ho$ {d{Z`‘Z 44 Ho$ AZwgma, AmnHo$ ~¢H$ H$mo B©-‘VXmZ gw{dYm CnbãY H$amZo ‘| Iwer hmoVr h¡ Vm{H$ eo`a YmaH$ gyMZm ‘| C{„pIV ‘Xm| na AnZo ‘VXmZ BboŠQ´m{ZH$ én ‘| H$a gHo$. ~¢H$ Zo B©-‘VXmZ ßboQ>’$m‘© CnbãY H$amZo Ho$ {bE B©-dmoqQ>J EO|gr Ho$ én ‘| ‘ogg© Z¡eZb {gŠ`y[a{Q>O {S>nmo{OQ>ar {b{‘Q>oS> H$mo {Z`wº$ {H$`m h¡. B©-‘VXmZ d¡H$pënH$ h¡. eo`aYmaH$m| / bm^mWu ñdm{‘`m| Ho$ B©-‘VXmZ H$s JUZm ~wYdma, 20 OyZ, 2018 H$mo CZHo$ Ûmam Ym[aV B{¹$Q>r eo`am| Ho$ AmYma na H$s OmEJr Omo {H$ Bg à`moOZ Ho$ {bE {ZYm©[aV / A§{V‘ VmarI h¡. ~¢H$ Ho$ {OZ eo`aYmaH$m| Ho$ nmg {ZYm©[aV / A§{V‘ VmarI H$mo ^m¡{VH$ `m ~oH$mJOr én ‘| eo`a h¢ do AnZm ‘VXmZ BboŠQ´m{ZH$ ê$n ‘| H$a gH$Vo h¢.
‘VXmZ H$s gw{dYm E.Or.E‘. ‘| CnbãY H$amB© OmEJr Am¡a gXñ`, {OÝhm|Zo [a‘moQ> B©-dmoqQ>J Ûmam AnZo dmoQ> Zht {H$E h¢, do ~¡R>H$ ‘| AnZo A{YH$ma H$m à`moJ H$a gH$Vo h¢
gXñ`m| {OÝhm|Zo [a‘moQ> B©-dmoqQ>J Ûmam nhbo hr dmoQ> H$a {X`m h¡ do ^r EOrE‘ ‘| CnpñWV hmo gH$Vo h¢, na§Vw do nwZ… dmoQ> S>mbZo Ho$ {bE hH$Xma Zht hmoJ|
[a‘moQ> B©-dmoqQ>J Ho$ {bE {ZX}e {ZåZmZwgma h¢:
gXñ`m| go AZwamoY h¡ {H$ B©-dmoqQ>J Ho$ ‘mÜ`‘ go AnZm ‘VXmZ H$aZo Ho$ {bE {ZåZ{bpIV AZwXoem| H$m nmbZ H$ao…
H$) B©-dmoqQ>J Ho$ {bE {ZåZ{bpIV y.Ama.Eb. https://www.evoting.nsdl.com H$mo Imob|.
I) bm°JBZ {ddaU AWm©V `yOa AmB©.S>r. Am¡a nmgdS©> à{dï> H$a|. AmnH$m `yµOa AmB©.S>r. 108405 + ’$mo{b`mo g§. (`{X eo`a H$mJOrH¥$V ê$n ‘| h¢ Vmo) / S>r.nr. AmB©.S>r.+ ŠbmB§Q> AmB©.S>r.(`{X eo`a S>r‘¡Q> ê$n ‘| h¢). `{X Amn nhbo go hr B©-dmoqQ>J Ho$ {bE EZEgS>rEb Ho$ gmW n§OrH¥$V h¢ Vmo, Amn bm°J BZ Ho$ {bE AnZo {dÚ‘mZ `yOa AmB©S>r Am¡a nmgdS©> H$m Cn`moJ H$a gH$Vo h¢.
J) gXñ` [a‘moQ> B©-dmoqQ>J Ûmam AnZm ‘VXmZ H$aZo Ho$ {bE evotingnsdl.co.in na AZwamoY ^oOH$a `m {ddaU O¡go S>r‘¡Q> ImVm g§»`m `m ’$mo{bAmo g§»`m, n¡Z Z§~a, BË`m{X CnbãY H$amH$a EZEgS>rEb Ho$ Q>mob ’«$s Z§~a 1800-222-990 na g§nH©$ H$aHo$ Cn`moJH$Vm© AmB©S>r Am¡a nmgdS©> àmá H$a gH$Vo h¢.
ZmoQ>: eo`aYmaH$ Omo Cn`moJH$Vm© {ddaU / nmgdS©> ^yb JE h¢ do [email protected] na CnbãY Cn`moJH$Vm© {ddaU/nmgdS©> ^yb JE? `m ^m¡{VH$ Cn`moJH$Vm© argoQ> nmgdS©>? {dH$ën H$m Cn`moJ H$a gH$Vo h¢.
K) ghr VarHo$ go {ddaU ^aZo Ho$ ~mX, ‘‘bm°{JZ’’ na pŠbH$ H$a|.
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M) {X Amn nhbr ~ma bm°JBZ H$a aho h¢ Vmo nmgdS©> M|O H$m ‘oÝ`y AmEJm. AnZr BÀN>m Ho$ AZwgma nmgdS©> ~Xb| Omo {H$ H$‘ go H$‘ 8 A§H$m| H$m/ Ajam| H$m `m CZH$m {‘lU hmo. H¥$n`m EZ.Eg.S>r.Eb. B©-dmoqQ>J ßboQ>’$m‘© na ^mdr g^r B©-dmoqQ>J MH«$m| Ho$ {bE ZE nmgdS©> H$mo ZmoQ> H$a|. AmnH$mo gbmh Xr OmVr h¡ {H$ AnZm nmgdS©> {H$gr Am¡a ì`{º$ H$mo Z ~VmE§ Am¡a AnZo nmgdS©> H$mo JmonZr` aIZo Ho$ {bE ha g§^d gmdYmZr ~aV|.
N>. B©-dmoqQ>J H$m hmo‘ noO IwboJm. ‘VXmZ à{H«$`m Ama§^ H$aZo Ho$ {bE ‘‘B©-dmoqQ>J’’ na pŠbH$ H$a|.
O. XoZm ~¢H$ Ho$ B©.dr.B©.EZ. (B©-dmoqQ>J Bd|Q> g§»`m) H$m M`Z H$a|. B©.dr.B©.EZ. Ho$ {bE, Amn EZ.Eg.S>r.Eb. Ho$ B©-dmoqQ>J ßboQ>’$m‘© na V~ VH$ {H$VZr ^r ~ma bm°J BZ H$a gH$Vo h¢ O~ VH$ {H$ Amn ‘VXmZ Ad{Y Ho$ Xm¡amZ g§H$ën na ‘VXmZ Zht H$a XoVo.
P. BgHo$ ~mX O¡go hr ‘‘H$mñQ> dmoQ>” noO IwboJm. Amn B©-‘VXmZ Ho$ {bE V¡`ma h¢.
Äm. AnZo Cn¶w³V H$m M`Z H$aHo$ Amn AnZm ‘VXmZ H$a gH$Vo h¢ Am¡a g~{‘Q> na pŠbH$ H$a| VWm Z`m n¡Zb gm‘Zo AmZo na ‘‘H$Z’$‘©” ^r H$a|.
Q>. nw{ï> hmoZo Ho$ ~mX ‘‘dmoqQ>J H$mñQ> gŠgog’w$„r” H$m g§Xoe àX{e©V hmoJm.
R>. H¥$n`m ZmoQ> H$a| EH$ ~ma ‘VXmZ {H$`o OmZo Ho$ ~mX Cg‘| g§emoYZ Zht {H$`m Om gH$Vm.
39g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
gyMZm
S>. g§ñWmJV gXñ` (AWm©V gXñ`m| EM.`y.E’$., EZ.Ama.AmB©. Am{X ì`{º$`m| Ho$ A{V[a³V) H$mo ^r {d{YdV àm{YH¥$V hñVmjaH$Vm© / hñVmjaH$Vm©Am|, {OZH$mo ‘VXmZ H$aZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡, Ho$ à‘m{UV Z‘yZm hñVmja / hñVmjam| Ho$ gmW g§~§{YV ~moS©> g§H$ën / àm{YH$ma nÌ Am{X g{hV H$s ñH¡$Z H$s hþB© H$m°nr (nr.S>r.E’$. / Oo.nr.Or. ’$m°‘}Q>) g§drjmH$Vm© H$mo B©-‘ob
[email protected] Ûmam VWm CgH$s à{V [email protected]
na ^oOZr h¡. Amn XñVmdoOm| H$mo a{OñQ>ma Ho$ B©-‘ob AmB©.S>r. [email protected] na ^r ^oO gH$Vo h¢.
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T>. mdr gyMZm ^oOZo Ho$ {bE Cn`moJ {H$E OmZo dmbo ’$mo{b`mo Ho$ `yOa àmo’$mBb ã`moao ‘| Amn AnZm ‘mo~mBb Z§~a Am¡a B©-‘ob AmB©-S>r H$mo AÚVZ ^r H$a gH$Vo h¢.
U. [a‘moQ> B©-dmoqQ>J H$s Ad{Y a{ddma, 24.06.2018 (àmV… 9.00 ~Oo) ewé hmoJr Am¡a ‘§Jbdma 26.06.2018 H$mo (gm`§ 5 ~Oo) g‘má hmoJr. Bg Ad{Y Ho$ Xm¡amZ AWm©V {ZY©[aV {V{W ~wYdma 20.06.2018 H$mo H$mJOr én ‘| `m S>r‘¡Q> én ‘| eo`a aIZo dmbo ~¢H$ Ho$ eo`aYmaH$ BboŠQ´m{ZH$ én go AnZm dmoQ> S>mb gH$Vo h¢. VËnümV B©-dmoqQ>J ‘m°S>`yb H$mo EZ.Eg.S>r.Eb. Ûmam ‘VXmZ Ho$ {bE ~§X {H$`m OmEJm. eo`aYmaH$ Ûmam EH$ ~ma {H$gr g§H$ën na dmoQ> S>mbZo Ho$ ~mX Cº$ eo`aYmaH$ H$mo ~mX ‘| Cgo ~XbZo `m n[ad{V©V H$aZo H$s AZw‘{V Zht hmoJr.
V. eo`aYmaH$m| H$mo dmoqQ>J A{YH$ma H$Q>-Am°’$ {XZm§H$ Ho$ AZwgma ~¢H$ H$s B©{¹$Q>r eo`a ny±Or ‘| CZHo$ eo`am| Ho$ AZwnmV ‘| hmoJm.
W. H$moB© ì`{º$, {OÝhm|Zo H§$nZr Ho$ eo`am| H$m A{YJ«hU {H$`m h¡ Am¡a gyMZm àofU Ho$ ~mX H§$nZr H$m gXñ` ~Z JE h¢ Am¡a {Z{X©ï> {V{W AWm©V ~wYdma 20 OyZ, 2018 VH$ eo`aYm[aVm aIVo h¢ Vmo do [email protected] H$mo EH$ AZwamoY ^oOH$a bm°{JZ Am¡a nmgdS©> àmá H$a gH$Vo h¢.
X. VWm{n, `{X Amn nhbo go hr B©-dmoqQ>J Ho$ {bE EZ.Eg.S>r.Eb. ‘| n§OrH¥$V h¢, Vmo Amn AnZo ‘VXmZ Ho$ {bE AnZo {dÚ‘mZ `yOa AmB©S>r Am¡a nmgdS©> H$m Cn`moJ H$a gH$Vo h¢, `{X Amn AnZm nmgdS©> ^yb JE h¢, Vmo Amn AnZm
nmgdS©> www.evoting.nsdl.com na CnbãY {dH$ën ‘‘’$m°aJoQ> `yOa {S>Q>obg/nmgdS©>’’ `m ^m¡{VH$ Cn`moJH$Vm© argoQ> nmgdS©> H$m Cn`moJ H$aHo$ AnZo nmgdS©> H$mo argoQ> H$a gH$Vo h¢ `m EZEgS>rEb go {ZåZ Q>mob ’«$s g§.: 1800-222-990 na g§nH©$ H$a gH$Vo h¡.
Z. ~¢H$ Zo lr Eg.EZ. AZ§Vgw~«‘Ê`‘, EÊS> H§$nZr g{Md H$mo B©-dmoqQ>J à{H«$`m H$mo C{MV Ed§ nmaXeu {d{Y go g§Mm{bV H$aZo Ho$ {bE g§drjH$ Ho$ én ‘| {Z`wº$ {H$`m h¡.
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B©-dmoqQ>J n[aUm‘ ~¢H$ H$s dm{f©H$ gm‘mÝ` g^m ‘| `m CgHo$ ~mX Kmo{fV {H$E OmE§Jo. g§drjH$ H$s [anmoQ>© Ho$ gmW Kmo{fV n[aUm‘ ~¢H$ H$s dm{f©H$ g^m ‘| Cº$ g§H$ën H$mo nm[aV H$aZo Am¡a EZ.Eg.B©. / ~r.Eg.B©. H$mo g§gy{MV H$aZo Ho$ Xmo {XZm| Ho$ A§Xa ~¢H$ H$s do~gmBQ> www.denabank.com Am¡a EZ.Eg.S>r.Eb. H$s do~gmBQ> AWm©V… https://www.evotingnsdl.com na àX{e©V {H$E OmE§Jo.
12. AÝ` :
H$. H¥$n`m Ü`mZ Xo {H$, Am{W©H$ AmYma na, dm{f©H$ [anmoQ>© H$s à{V`m§ gm‘mÝ` g^m ‘| {dV[aV Zhr H$s OmE§Jr. Bg{bE, eo`aYmaH$m| go AZwamoY h¡ {H$ ~¡R>H$ Ho$ ñWb na AnZr à{V`m§ gmW bmE§.
I. eo`aYmaH$ H¥$n`m Ü`mZ X| {H$ ~¡R>H$ Ho$ Am`moOZ ñWb na H$moB© Cnhma/Hy$nZ H$m {dVaU Zht {H$`m OmEJm.
J. eo`aYmaH$m| H$mo gbmh Xr OmVr h¡ {H$ do ~¡J / ~«r’$Ho$g / Q>on [aH$m°S©>a, H¡$‘ao BË`m{X Zm bmE§ Š`m|{H$ `o ‘X| gwajm Om§M Ho$ AYrZ h¢ Am¡a CÝh| ñWb na AZw‘{V Zht Xr Om gH$Vr h¡.
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40g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
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41g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
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42g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
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45g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
MESSAGE FROM EXECUTIVE DIRECTOR
Dear Shareholders,It gives me great pleasure to place before you the Annual Report of your Bank for the year 2017-18.
During the year:
Bank had raised capital of Rs. 401.26 Crore in the month of October, 2017 by issue of Equity shares under Qualified Institutions Placements (QIP) from market.
Government of India has infused an amount of Rs. 3045 Crore as capital. The capital infused has helped your Bank in maintaining capital adequacy ratio of 11.09%.
Further, Bank has repaid its borrowings through redemption of Tier I IPDI Bonds of Rs. 125 Crore and Basel III compliant Additional Tier I bonds of Rs. 1400 Crore, by exercising call option.
This year, your Bank was adjudged as winner in the category of “Best Financial Inclusion Initiatives” amongst small Banks in the IBA Banking Technology Awards 2018, a recognition we cherish for the continuous efforts put by your Bank towards progress of financial inclusion in our country.
Before apprising you about other performance highlights of the Bank for the financial year 2017-18, let me briefly mention the economic environment in which your bank is functioning, both Global and Indian environments, the recent trends in the Indian banking industry, its challenges, opportunities and Road Ahead.
Economic OverviewThe recovery in Global Economy has become broader and stronger since mid-2016. According to the World Economic Outlook report, the world Economy growth at 3.8% was the fastest since 2011.On the back of improved global investment and trade, the growth is expected to tick upto 3.9% in 2018 & 2019. The future prospects of growth momentum are bright as all countries have room for structural reforms and fiscal policies that raise productivity and enhance inclusiveness.
Indian EconomyIn the financial year 2017-18, the Indian Economy has achieved a milestone in terms of introduction of Goods & Services Tax (GST). The GST has helped in increasing the tax base of the Economy and discipline in tax payment culture. Another achievement is the Digital India programme. It not only helped our country to move towards a less cash dependent economy but also expected to bring in the social benefits to the poor more effectively.
The recapitalization plan for major public sector banks announced in 2017 helped replenish capital buffers and improved the banking sector’s ability to support growth. However, strong mechanisms need to be brought in to control increasing level of NPAs and frauds in Banks. The implementation of Insolvency and Bankruptcy Code has created a huge expectation from all stakeholders and is expected to help banking sector in time bound debt recovery mechanisms and to come out of the Corporate NPAs which many Banks are saddled with.
The Economy’s Macro fundamentals, Inflation and Industrial Production showed mixed picture of growth during financial year 2017-18 with low production and low inflation levels.
The journey of economic reforms during the past few years has been challenging but at the same time rewarding. As a result of the reforms undertaken by the Government, foreign direct investment has gone up. Measures taken by the Government have made it much easier to do business in India. Natural resources are now allocated in a transparent and honest manner.
Banking Industry TrendsDuring financial year 2017-18, banks were contended with multiple challenges tied to regulations, legacy systems, disruptive models, technologies, new competitors, and a restive customer base while pursuing new strategies for sustainable growth. Banks’ balance sheets are strained with provisioning from increased NPA levels resulting in lower profitability.
Though, Banking Industry is experiencing the heat of various challenges, the regulatory steps such as, issuance of Recapitalization bonds, Revised NPA framework and implementation of Insolvency & Bankruptcy Code by the Government of India and the RBI, is expected to bring Industry out of this stressful scenario.
Long-term sustainable growth in the banking industry is expected only through continuous Customer centricity, Regulatory recalibrations, Technology Management & adoptions, mitigating cyber risks and reorganizing our workforce to suit new environments.
Performance of the BankThe key highlights of your Bank’s performance during financial year 2017-18:
- I am glad to inform you that during FY 2017-18, your Bank has achieved and surpassed all regulatory targets given under Priority Sector Agriculture, Non- Corporate Farmers, Small & Marginal Farmers, Weaker Section and Micro Enterprises.
- Bank continued its stand on shedding high cost deposits and accordingly the CASA % to Total deposits ratio increased from 37.93% in March, 2017 to 40.03 % in March, 2018.
- The Credit to Deposit CD ratio of the Bank increased from 68.05% in March, 2017 to 69.95 % in March, 2018.
- Agricultural Advances increased from Rs.16,375 Crores as on 31st March, 2017 to Rs. 18,179 Crores as on 31st March, 2018, registering a growth of 11.02% and constituted 21.38% of Adjusted Net Bank Credit (ANBC) surpassing the regulatory target of 18%.
- Priority Sector advances as of March, 2018 stood at Rs. 35,949 Crore which is 42.27% of Adjusted Net Bank Credit (ANBC) surpassing the regulatory benchmark of 40%.
- Net interest income of the bank increased from Rs 2,408.36 Crore in March, 2017 to Rs 2,475.82 crore in March, 2018 and the Net interest margin for the same period increased from 2.00% to 2.19%.
- Cost of Deposits of the bank decreased from 6.43 % in FY 2016-17 to 5.62 % in FY 2017-18.
Asset QualityDuring the financial year 2017-18, Bank made cash recovery of Rs. 931.24 Crore as against Rs. 1,119.87 Crore during previous year.
Your Bank recovered Rs. 146.60 Crore from Written-Off accounts as against Rs. 120.08 Crore during previous year.
As on 31st March, 2018, Gross NPA stood at Rs. 16,361.44 Crores as against Rs. 12,618.73 Crores during the previous year. Gross NPA percentage is at 22.04% as compared to 16.27% during the previous year.
As on 31st March, 2018 Net NPA stood at Rs. 7,838.78 Crores as against Rs. 7,735.12 Crores during the previous year. Net NPA percentage is at 11.95% as compared to 10.66% during the previous year.
Capital Adequacy NormsThe Capital to Risk (Weighted) Asset Ratio (CRAR) under Basel III norms moved from 11.39% as on 31st March 2017 to 11.09% as on 31st March 2018 as against regulatory requirement of 10.875%.
Similarly, CET 1 capital ratio of the Bank moved from 7.24% as on 31st March 2017 to 8.81% as on 31st March 2018 as against regulatory requirement of 7.375%.
Branch Expansion With the view to contain the operational expenses and improve efficiency, Bank took a conscious stand on Branch Openings and no new branch was opened during financial year 2017-18. Bank has also initiated Branch Rationalization process. Accordingly Board of Directors of the Bank has approved merger of 17 branches with other branches of which 2 branches were merged during financial year 2017-18. As on 31st March, 2018 your Bank is having 1,872 branches (including 72 satellite branches).
46g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
MESSAGE FROM EXECUTIVE DIRECTOR
Human Resource DevelopmentDuring the year 2017-18, the Bank has recruited 21 Probationary Officers, 13 Specialist Officers, 128 Clerks and 148 Subordinate Staff. The current Human Capital of the Bank is 13,613 of which 3,705 are women.
Digital InitiativesYour Bank has taken various digital initiatives for providing seamless and convenience solutions to customers as well as for its staff members. Some of the successfully implemented Digital initiatives are
- Digitisation of 29 Villages
- Bank has launched new Mobile Banking Application
- New Internet Banking Application launched
- Launched Unified Payment Interface (UPI) Application
- BHIM Aadhaar Pay application launched and 12,796 BHIM Aadhar Deployed to Merchants.
- Bharat QR Code for Issuer (UPI based payments) and acquirer (POS based payments) are live.
- Successful operationalization of GST Payment module for customers.
- Deployment of 7,565 POS Terminals of which 302 POS Terminals are deployed in Tier 5 & 6 centres
BPR Initiatives Bank has partnered with Boston Consulting Group (BCG) for the transformation project – “Dena Pragati” and your Bank has introduced host of new products and set in place new systems and processes.
I. Bank has opened a new CASA Back-office for centralized account opening.
II. Lead Management System ‘Dena Sampark’ launched pan-India for processing of leads
III. IVR based Call Center: around 50000 average inbound calls received p.m.
IV. Existing Retail Asset Processing Centres were restructured with modified process flow and exclusive usage of Lend Perfect software for retail loan processing
V. MSME Hub launched for 29 branches in Thane zone as pilot
VI. Digital Pathshala was organised across all branches for increasing registrations across digital channels
Other Initiatives 1. Dealer Payout scheme for sourcing vehicle loan leads in consumer
loan segment
2. Empanelment of Home loan counselors for sourcing Home loan Proposals.
3. New OTS scheme for small borrowers – “Dena Rin Mukti Yojana” covering all sectors including Agriculture and MSME.
4. To provide better product offerings to its customers, your Bank has entered into various tie-ups such as:
a. Tie up with Maruti Suzuki India Ltd for Passenger Car finance arrangement.
b. Tie up with SMERA Ratings Ltd for sourcing of MSME loan leads
c. To improve MSME lending, Bank has registered with the Receivables Exchange of India Limited (RXIL) on their online platform for Trade Receivables Discounting System (TReDS) business
d. Tie-up with National Housing Bank for implementation of Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY-CLSS) for beneficiaries of EWS/LIG/MIG and Rural Housing Interest subsidy scheme (RHISS).
Inclusive GrowthIn order to reap the benefits of economic growth, we need to make it inclusive. In addition to being valuable for its own, inclusive growth fuels further economic growth. As already mentioned, Your Bank has done exceptionally well in this area and also received recognition for its initiatives in the area of Financial Inclusion.
Your Bank has opened 44.06 lac accounts under Pradhan Mantri Jan Dhan Yojana [PMJDY] against the target of 18.50 lac accounts and also issued 26.52 lac RuPay Cards.
Your Bank has covered all the allotted 6,485 villages under Financial Inclusion of which 746 villages are covered through Brick & Mortar Branches and 5,739 villages are covered through BC model. Your Bank has enrolled 10.60 crore residents for Aadhaar as of 31st March 2018 and is having top position among Non-State Registrars to UIDAI.
Future OutlookFor the year 2018-19, reduction in NPA will be the top most priority for the Bank. This year your bank is also expecting sizeable recovery from resolution of Corporate NPA cases referred to the NCLT. In addition, bank will also focus to bring down the retail NPA levels and all out efforts will be made and more particularly in Recovery in written-off accounts.
Your Bank has created a new vertical “Stressed Asset Management Vertical” with objective to have focused recovery efforts to ensure effective recovery process.
Bank will continue its focus on CASA, Retail, MSME and Agriculture advances.
Bank has introduced various new processes and system modifications through the BPR Transformation Project wherein the actual benefits of this transformation project are expected to be realized during this financial year.
Acknowledgement As I conclude, I express my sincere thanks and gratitude to Government of India, Reserve Bank of India, various State Governments, Securities and Exchange Board of India, Insurance Regulatory and Development Authority of India and all other Stakeholders for their valuable patronage, guidance, support and timely advice and seek their continued support and co-operation.
My profound thanks are also due, to all the Shareholders, Customers and Well-Wishers for their valuable patronage and support during this challenging period of financial year 2017-18 and hope to receive their continued patronage.
The Board of the Bank has been proactively guiding the Bank during these testing times and I want to place on record the appreciation for their encouragement and guidance.
I am also thankful to the NABARD, SIDBI and other Financial Institutions, Banks and Correspondents for their continued support to the Bank.
Last but not least, I wish to place on record, the deep appreciation for untiring and relentless efforts put in by all the staff members of the Bank, without whom the progress achieved in these demanding times, would not have been possible. Family members of the staff also need to be acknowledged for their continued support to the Institution.
I look forward for the continued cooperation and support from all stakeholders for sustained progress of the Bank in the years to come.
With best wishes,
(Ramesh S. Singh)
47g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
DIRECTORS’ REPORT 2017-2018
ToThe Members1. The Board of Directors has great pleasure in presenting the Annual
Report along with the Audited Financial Statement of Accounts and the Cash Flow Statement of the Bank for the year ended March 31, 2018.
2. Performance Highlightsi. Savings Bank Deposits of the Bank increased from 36,239 cr
as on 31st March, 2017 to Rs. 36,471 cr as on 31st March, 2018 registering a growth of 0.64%.
ii. CASA Deposits of the Bank decreased from Rs. 43,222 cr as on 31st March, 2017 to Rs. 42,485 cr as on 31st March, 2018 registering a reduction of 1.71%. CASA as percentage of Total Deposit has increased from 37.93% as on 31st March, 2017 to 40.03% as on 31st March, 2018.
iii. Priority Sector Advances decreased from Rs. 36,992 crore as on 31st March, 2017 to Rs. 35,949 crore as on 31st March, 2018, registering a negative growth of 2.82%. Priority Sector Advances as of 31.03.2018 42.27% of Adjusted Net Bank Credit (ANBC) surpassed the regulatory target of 40%.
iv. Agricultural Advances increased from Rs. 16,375 crore as on 31st March, 2017 to Rs. 18,179 crore as on 31st March, 2018, registering a Y-o-Y growth of 11.02%. Agriculture Advances constituted 21.38% of Adjusted Net Bank Credit (ANBC), surpassing the regulatory target of 18%.
v. MSME advance under priority sector decreased from Rs. 15,316 crore as on 31st March, 2017 to Rs. 11,638 crore as on 31st March, 2018, registering a negative growth of 24.01%.
vi. Total Retail advance has registered Y-o-Y negative growth of 0.46 % and stood at the level of Rs. 13,240 crore as on 31st March, 2018 as against Rs.13,301 crore as on 31st March, 2017.
vii. Bank’s Operating profit for the FY 2017-18 has decreased by 15.76 % to Rs. 1,171 cr as compared to Rs. 1,390 cr for the FY 2016-17.
viii. Interest income on investments for the FY 2017-18 has decreased by 7.71% to Rs. 2682 cr as against Rs. 2,906 cr for the FY 2016-17.
ix. Capital to Risk (Weighted) Asset Ratio (CRAR) under Basel III has decreased and stood at 11.09 % as on 31st March, 2018 as compared to 11.39% as on 31st March, 2017.
x. Tier I capital ratio of the Bank decreased from 9.05% as on 31st March 2017 to 8.81% as on 31st March 2018.
xi. Cash recovery in NPA accounts stood at 931.24 cr in FY 2017-18 compared to Rs. 1,119.87 cr in FY 2016-17.
xii. Recovery in Written-Off accounts increased from Rs. 115 cr for FY 2016-17 to Rs. 142 cr in FY 2017-18.
xiii. Cost of Deposits reduced from 6.43% for FY 2016-17 to 5.62% for FY 2017-18 and as a result Interest Expenses on Deposits reduced from Rs. 7,213 cr as on 31st March, 2017 to Rs. 5,955 cr as on 31st March, 2018.
xiv. Key Statistics(Rs. In Crore)
Particulars As of 31st March2017 2018
Deposits 1,13,943 1,06,130Advances 77,538 74,239Business Mix 1,91,481 1,80,369Investments 40,190 38,040Priority Sector 36,992 35,949Agriculture 16,375 18,179
Particulars As of 31st March2017 2018
Retail 13,301 13,240MSME-PS 15,316 11,638Gross NPA 12,619 16,361Net NPA 7,735 7,839% of Gross NPA to Gross Advance
16.27 22.04
% of Net NPA to Net Advance 10.66 11.953. Income Analysis The financial performance of the Bank for the year 2017-18 is
summarized below:(Rs. In Crore)
Particulars As of 31st March2017 2018
Operating Profit 1,390.21 1,171.16Interest Income 10,181.67 8,932.23Interest Expenditure 7,773.31 6,456.41Net Interest Income 2,408.36 2,475.82Non-Interest Income 1,251.39 1,163.52Provisions and contingencies 2,253.84 3,094.31Profit before Tax [1,275.36] [3178.75]Provision for Taxes [411.73] [1255.60]Net Profit [863.63] [1923.15]
4. Key Financial Indicators(in %)
Particulars As of 31st March2017 2018
Net Interest Margin 2.00 2.19Return on Assets [0.67] [1.59]Cost to Income Ratio 62.01 67.82Provision Coverage Ratio 50.56 60.20Cost of Deposit 6.43 5.62Cost of Funds 6.54 5.84Yield on Advance 8.98 8.00Yield on Fund 8.03 7.51Yield on Investments 7.57 7.26Return on Equity [13.50] [26.17]Earning Per Share (Rs.) [11.89] [18.06]Book Value (Rs.) 65.42 27.45
5. During the year 2017-18, Bank has not opened any new Branch, due to Prompt Corrective Action (PCA) enforced on Bank by Reserve Bank of India. Further, Bank has merged two Branches in other existing Branch and Branch network of the Bank stood at 1,872 (including 72 Satellite Offices). All the branches of the Bank are covered under CBS.
6. During the year 2017-18, Bank has established 3 new E-Smart centers taking the total to 98. In E-Smart centers, customers can deposit cash, deposit cheques, withdraw cash, get their passbooks printed and access their account through internet banking facility on 24*7 basis.
7. During the year 2017-18, Bank installed 1775 POS and has launched a new mobile banking channel i.e. Unified payment Interface (UPI) promoted by NPCI.
8. Dividend Board of Directors has not recommended any Dividend for the FY
2017-18.
48g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
DIRECTORS’ REPORT 2017-2018
9. Net Worth and CRAR9.1 Net Worth of the Bank stood at Rs. 5108.04 cr as on 31st March,
2018.9.2 CRAR :
(in %)
Basel IIIMarch 2017 March 2018
CRAR Tier- I Capital 9.05 8.81CRAR Tier -II Capital 2.34 2.28Total 11.39 11.09
10. Changes in Board of Directors10.1 The Board of Directors of the Bank, as on 31st March 2018,
comprised two Executive Directors, being whole-time Directors and six other directors as under:• One Government of India Nominee Director,• One Reserve Bank of India Nominee Director;• Two Directors appointed by Govt. of India; and• Two Shareholders’ elected Directors;
10.2 Shri Ashwani Kumar, Chairman & Managing Director, ceased to be a Director of the Bank w.e.f. 31.12.2017, after completion of his 5 years tenure in terms of Notification No. F.No.4/4/2011-BO.I. dated 09th November, 2012 received from Government of India, Ministry of Finance, Department of Financial Services. The Board of Directors placed on record their appreciation for the exemplary leadership and direction provided by Shri Ashwani Kumar, during his tenure as Chairman & Managing Director on the Board of the Bank.
10.3 Smt Trishna Guha, Executive Director, retired from the Board on August 31, 2018, upon attaining superannuation. The Board of Directors placed on record their appreciation for valuable contribution made by Smt Trishna Guha, during her tenure as Executive Director on the Board of the Bank.
10.4 Dr. Rajesh Kumar Yaduvanshi has been appointed as Executive Director in terms of Notification No. F.No.4/5/(6)2017-BO.I. dated 09th October, 2017 received from Government of India, Ministry of Finance, Department of Financial Services w.e.f. 09th October, 2017 for a period of three years or until further orders, whichever is earlier under Clause (a) of Sub-Section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 read with sub-clause (1) of clause 3 and sub-clause (1) of clause 8 of The Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.
10.5 Shri Bankim R Desai, Workmen Employee Director, appointed under Clause (e) of Sub-section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 read with sub-clause (1) & (2) of clause 9 of The Nationalized Banks (Management & Miscellaneous Provisions) Scheme 1970/1980, w.e.f. 19.09.2014, ceased to be a Director of the Bank from 19.09.2017 on completion of his tenure. The Board of Directors placed on record their appreciation for valuable guidance provided by Shri Bankim R Desai, during his tenure as Director on the Board of the Bank.
10.6 Dr. Umesh Bellur, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The Board of Directors placed on record their appreciation for valuable guidance provided by Dr. Umesh Bellur, during his tenure as Director on the Board of the Bank.
10.7 Shri V Chandrasekaran, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (A Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The
Board of Directors placed on record their appreciation for valuable guidance provided by Shri V Chandrasekaran, during his tenure as Director on the Board of the Bank.
10.8 Dr. Yasho Verdhan Verma, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (A Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The Board of Directors placed on record their appreciation for valuable guidance provided by Dr Yasho Verdhan Verma, during his tenure as Director on the Board of the Bank.
10.9 During the Financial Year under review, in terms of Clause (i) of sub-section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, the Bank conducted an Extraordinary General Meeting of Shareholders of the Bank other than the Central Government, for election of two Shareholder Directors at Sir Sorabji Pochkhanawala Bankers’ Training College, Mumbai on March 27, 2018. After the successful exercise of election, two Shareholder Directors i.e. (i) Dr Yasho Verdhan Verma and (ii) Shri Rakesh Kumar, were elected as Shareholder Directors representing shareholders other than Central Government. These Directors have hold office for three years w.e.f. March 28, 2018.
11. Directors’ Responsibility Statement The Directors, in preparation of the annual accounts for the year
ended March 31, 2018, confirm the following: i. That in the preparation of the annual accounts, the applicable
standards have been followed along with proper explanation relating to material departures.
ii. That they have selected such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year and of the profit or loss of the Bank during the period.
iii. That they have taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks in India for preventing and detecting frauds and other irregularities.
iv. That they have prepared the annual accounts on a going concern basis.
Acknowledgments12.1 The Board of Directors expresses its patronage and sincere
thanks to the Bank’s valued customers, shareholders and well-wishers for their valuable contribution towards the progress of the Bank and seek their continued support and co-operation in future.
12.2 The Board of Directors acknowledges with gratitude, the timely advice, valuable guidance and support received from Government of India, Reserve Bank of India & other regulators.
12.3 The Board of Directors is also thankful to the Financial Institutions / Banks and Correspondents for their cooperation and support to the Bank.
12.4 The Board of Directors wish to place on record, the deep appreciation of the valuable contribution made by the staff, at all levels, for the progress achieved in Bank’s business. The Directors look forward to their continued cooperation in faster business development and progress of the Bank.
For and on behalf of Board of Directors
Place: Mumbai (Ramesh S. Singh)Date: 31.05.2018 Executive Director
49g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Below mentioned reports are available on the website of the Bank at www.denabank.co.in (Home > Financials > Annual Reports > March 2018 >):
- Management Discussion and Analysis Report
- Business Responsibility Report
- Basel III Disclosures
OTHER REPORTS AND BASEL III DISCLOSURES
50g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
CORPORATE GOVERNANCE REPORT 2017-18
1. Bank’s Philosophy on Code of Governance
Bank’s Corporate Governance philosophy is based on application of best management practices which will facilitate effective management and control of business. This enables the Board and the Senior Management of the Bank to take decisions adhering to ethical standards, transparency, accountability, responsibility and financial stability. The Bank believes that Corporate Governance is closely linked to its core values and is associated with ethical practices, concern for its employees, extending quality service to its customers, striving to meet the shareholders expectations and societal aspirations. This optimizes the value for all its stakeholders who include not only the Board of Directors and the Senior Management but also the Shareholders, Customers, Employees and the society at large.
Bank’s Corporate Governance structure apart from the Board comprises of the 18 Committees of the Board to monitor various areas of business.
Prevention of Insider Trading
Dena Bank has framed a comprehensive code of conduct for prevention of insider trading namely, “Dena Bank Code of Conduct for Prevention of Insider Trading” in accordance with the requirements of SEBI (Prohibition of Insider Trading) Regulations, 2015. The code for Prevention of Insider Trading is posted on the website of the Bank. All the Directors, Employees at senior management level and other Employees of the Bank who could have access to the unpublished price sensitive information of the Bank are governed by the code. Bank has appointed Smt. Usha Ravi, General Manager in-charge of Investor Relation Centre as Compliance Officer who is responsible for setting forth procedures and implementation of the code of conduct for trading in Bank’s securities. During the year there has been due compliance with the said code.
Code of Conduct
The Board of Directors has approved a Model Code of Conduct circulated by the Indian Banks’ Association for its Directors and General Managers, which is modified subsequently by the Board as per SEBI circular CIR/CFD/POLICY CELL/2/2014 requirements. The code covers amongst other things the Bank’s commitment to honest and ethical personal conduct, fair competition, transparency and compliance of laws and Regulations etc. The code of conduct is posted on the website of the Bank. All the Directors and General Managers have affirmed that they have complied with the Code of Conduct for the year ending 31st March, 2018.
Bank has complied with the guidelines on Corporate Governance stipulated in SEBI (LODR) Regulations, 2015, the disclosure requirements of which are given below:
2. Board of Directors
The constitution of Board of Directors of the Bank is governed by the provisions of the Banking Regulation Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 & Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.
As of 31.03.2018, the composition of the Board consists of eight (08) Directors including two (02) whole time Directors viz. Executive Directors appointed by Government of India and six (06) non-executive Directors. Out of six (06) non-executive Directors, one Official Director represents Government of India Nominee, one Director represents Reserve Bank of India, two Directors appointed by Government of India and two shareholder Directors elected by the Shareholders other than the Central Government. Following post of Directors are vacant as details given below:
Sl. No.
Post Vacant from date
1 Managing Director & CEO 01.01.20182 Workmen Employee Director 19.09.20173 Officer Employee Director 01.01.20164 Part time non-official Director - Char-
tered Accountant30.06.2014
5 Part time non – official Director to be appointed by GOI
05.12.2016
6 Part time non – official Director to be appointed by GOI
28.03.2018
Since the post of MD & CEO is vacant, Board in its meeting held on 16th January, 2018 granted administrative and financial powers of MD & CEO to Senior Executive Director and also decided that, Senior Executive Director may preside over the meetings of all the sub-committees of the Board, which were earlier chaired by erstwhile Chairman & Managing Director, till MD & CEO posted in Bank.
Further, after the superannuation of Smt. Trishna Guha, Executive Director on 31.08.2017, GOI has not appointed Woman Director on the Board of the Bank, as required under Regulation 17 (1) (a) of SEBI (LODR) Regulations, 2015.
During the year under review, 13 meetings of the Board of Directors were held on the following dates:
24.04.2017 09.05.2017 22.06.2017 29.07.2017 30.08.2017 23.09.201727.10.2017 10.11.2017 29.12.2017 16.01.2018 14.02.2018 06.03.201822.03.2018
2.2 Particulars of Directors
The necessary particulars of Board of Directors and status of attendance in the Board meetings during the year under review are given in the Annexure A, B and C.
3. Committees of Directors
In accordance with the guidelines issued by Reserve Bank of India / Government of India / Ministry of Finance & Department of Financial Services and the guidelines on Corporate Governance etc., the Bank has constituted various Committees of the Board of Directors, the details of which are given below:
3.1 Management Committee of the Board
The Board had constituted Management Committee as per provisions of Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970 / 1980. The main functions of the Committee include sanctioning of credit proposals, Loan Compromise / Write-off proposals, Filing of suits / appeals, proposals for approval of capital and revenue expenses, investments in Government and other approved securities / shares/ Bonds and debentures of companies / Corporates, including underwriting, proposals for acquisition, hiring of premises, donations and all other financial approvals etc. which are beyond the discretionary powers of the Chairman & Managing Director / Credit Approval Committee and any other matter referred to the Management Committee by the Board.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.2 Audit Committee of the Board
The Board had constituted Audit Committee of the Board of Directors in October 1995 in accordance with the guidelines of the
51g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
CORPORATE GOVERNANCE REPORT 2017-18
Reserve Bank of India. The Committee was re-constituted in May 2008, as advised by Government of India vide communication No. F. No.19/20/2007-BO-I dated February 18, 2008.
Further, Reserve Bank of India vide its letter No.RBI/2015-16/181.DSB.ARS.BC 4 / 08.91.20/2015-16 dated 24th September 2015 has advised that should a Bank have more than one ED, the ED in-charge of Internal Inspection and Audit should be the member of the ACB whereas other EDs can be invitees to the meeting if the agenda includes any item for discussion from their domain.
The functions of Audit Committee include overseeing the audit functions, review of Bank’s financial performance, review critical finding of concurrent/ other inspections/ audits, compliance with accounting standards and all other matters specified under Regulation 18 of SEBI [LODR] Regulations, 2015. The Committee discusses and considers Quarterly/ Annual Accounts before recommending the same to the Board for approval.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.3. Remuneration Committee of Directors
Remuneration of whole time Directors of PSU Banks is decided by the Government of India. Performance incentive scheme is introduced by the Government of India and for that purpose as per Government of India directives; Bank has constituted “Remuneration Committee” of Board of Directors.
Further, Government of India, Ministry of Finance, Department of Financial Services vide its communication F.No.121/2014-BOA dated 18th August, 2015, has been made change in its orientation for evaluating the performance of Whole Time Directors (viz. Chairman and Managing Director, Managing Director & CEO and Executive Directors) on the Board of Public Sector Banks (PSBs). As per the said communications, the performance of Whole Time Directors will be evaluated by a Committee chaired by Secretary (Financial Services).
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.4 Stakeholders’ Relationship Committee
The Board in its meeting held on November 10, 2014, constituted a Stakeholders’ Relationship Committee in compliance of SEBI guidelines on Corporate Governance and Revised Clause 49 of the Listing Agreement entered into with the Stock Exchanges w.e.f. October 01, 2014, specifically looking into the redressal of grievance of shareholders, debenture holders/ bond holders and other security holders of the company including complaints related to transfer of shares, non-receipt of balance sheet, non-receipt of declared dividends etc.
Further, Board in its meeting held on March 06, 2018 approved the merger of Share transfer Committee into Stakeholders’ Relationship Committee. The Stakeholders’ Relationship Committee to perform all the functions as performed by the Share Transfer Committee i.e. ratification of transfers, transmission of Equity Shares, Remateralisation of Shares, Replacement of shares Certificate, Deletion of Name, Name change and issue of Duplicate Certificates approve by In-house Share Transfer Scrutiny Committee of Executives, noting of shareholding pattern, top Shareholders list and Share Transfer rejections etc.
The composition of members of the committee as of 31.03.2018, and details of attendance at its meetings during the year 2017-18 are given in Annexure B and C.
3.5 Committee of Directors on Integrated Risk Management The Committee of Directors on Integrated Risk Management was constituted to oversee all risk management activities of the Bank, including identifying underlying risks perceptions, prescribing risk assessment and quantification methodologies, fixing tolerance level for risk exposures, guiding the line management on risk management and mitigation techniques etc.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.6 Special Committee of the Board for Monitoring Large Value Frauds
In accordance with Reserve Bank of India Letter No.DBS.FGV(F) O./004/23.04.01A/2003-04 dated January 14, 2004, a Sub-committee of the Board for monitoring Large Value Frauds was constituted to review the large value frauds involving amounts of Rs.1.00 crore and above, identify the systemic lacunae, if any, monitoring progress of CBI / Police investigation and recovery position, review the efficacy of the remedial action taken to prevent recurrence of frauds and status of examination of staff accountability.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.7 Customer Service Committee
Formed in line with RBI guidelines dated 14th August 2004, the Committee reviews the customer services in the Bank as also the progress in attending to customer complaints and grievances. It also considers new measures for improvement in customer service, including external issues.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.8 Committee of the Board on Information Technology Committee.
With a view to facilitate optimum utilization of the existing IT infrastructure, envisioned in the IT Mission of the Bank, to direct IT department on policy matters etc., a need was felt to constitute committee of Directors of the Board for IT. The Board at its meeting held on 1st April 2003, constituted Committee of Directors on Information Technology. The same was reconstituted by Board on 26th & 27th August, 2005 to facilitate optimum utilization of the existing IT infrastructure, envision the IT mission of the Bank, to direct IT department on policy matters and review the transactions volumes under major delivery channels, scalability of the IT infrastructure, New Developments in Technology Field, Business Continuity Planning, Cyber Security, initiatives, the Bank’s preparedness in areas of Information Technology and digitization of villages post demonetization etc.
Further, in terms RBI Circular No. RBI/2010-11/494/DBS.CO.ITC.BC.NO.6/31/02.008/2010-11 dated April 29, 2011 on implementation of recommendations of working group of information security, Electronic Banking, Technology, Risk Management and Cyber Frauds was re-constituted an independent IT strategy Committee having a minimum of two qualified directors as the members, of which one is an independent director and one member director having substantial IT expertise in managing Technology.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
52g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
3.9 Compliance Committee.
Reserve Bank of India, vide their communication no. DBS.CO.PP.BC.6/11.01.005/2006-07 dated April 20, 2007 has laid down guidelines for Compliance function in Banks. Based on these guidelines, the Bank had formulated its Compliance Policy which was approved by Board at its meeting held on December 29, 2007. In accordance with the provisions of the Policy, a committee of Directors on Compliance was constituted on December 29, 2007. The committee was re-constituted on January 29, 2009.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.10 Nomination Committee:
The Reserve Bank of India, vide their communication DBOD.No.BC.NO.47/29.39.001/2007-08 dated November 1, 2007 has notified to constitute a Nomination Committee of Directors (all independent / non-executive directors) to undertake a process of due diligence to determine the “Fit and proper” status of existing elected Directors and those who file their nominations for election. Based on these guidelines, the Nomination Committee was constituted by Board at its meeting held on December 29, 2007. The said committee was reconstituted on 18th July, 2011, 29th September, 2011 and 29th June, 2016.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.11 Credit Approval Committee
In line with the Gazette Notification No. 13/1/2006-BO.1 Dt. December 5, 2011 and as per the provisions of Nationalized Banks (Management & Miscellaneous Provisions) Amendment Scheme, 2011, the Board, in its meeting held on January 6, 2012 had constituted Credit Approval Committee of the Board, which was further modified vide Gazette Notification No. 13/01/2006-BO.I dated January 31, 2012 and approved by Board at its meeting held on February 06, 2012. The main functions of the Committee include sanctioning of credit proposals (Funded and Non-Funded), upto Rs.Two Hundred Fifty Crores and Loan Compromise / Write off proposals etc.
The Credit Approval Committee of the Board comprises of five members including two whole time Directors viz. two Executive Directors and 3 General Managers i.e. the General Manager (Corporate Credit). General Manager (Risk Management) and General Manager (Financial Management).
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.12 Steering Committee of Board on HR:
On October 22, 2009, Government of India, constituted a Committee under the Chairmanship of Dr. Anil Khandelwal, to study the HR issues of Public Sector Banks and to make recommendations. Governments of India, vide communication F.No.9/18/2009-IR Dt. October 21, 2011 conveyed their approvals for the recommendations and advised that HR plan incorporating these recommendations be prepared and got approved by the Board of Directors. The recommendations were placed before our Board in its meeting held on February 6, 2012. Further, based on the recommendations of the Khandelwal Committee, “Steering Committee of the Board on HR” was constituted on March 27, 2012 to discuss critical issues on HR, review HRM Plan and related policies on HR, on the lines suggested by the Khandelwal
Committee. The Committee meets at quarterly intervals.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.13 Committee for Monitoring High Value NPAs and Loss Assets
In terms of communication F.No.7/112/2012-BOA dated November 21, 2012 received from Department of Financial Services, Ministry of Finance, Govt. of India, Board has constituted a sub-committee of Board for Monitoring High Value NPAs and Loss Assets in its meeting held on December 11, 2012.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.14 Issue Committee of the Board
On November 09, 2013, the Board constituted a committee of Directors to confirm the price calculated in accordance with SEBI (ICDR) Regulations and as certified by Statutory Auditor at which the equity shares on preferential basis will be issued and to allot shares on receipt of subscription. The said Committee is authorized and empowered to decide on various aspects of further issue of shares and to take administrative decisions.
Further, Board in its meeting held on 23rd September, 2017 re-constituted the Issue Committee of the Board. The scope of the Issue Committee of the Board to approve the issue price, the number of securities to be issued and allotted, the basis of allocation and allotment of Securities on Preferential / Qualified Institutional Placement (QIP)/ Rights/ Bonus/ FPO/ any other basis as mentioned under SEBI (ICDR) Regulations, 2009.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.15 Departmental Promotion Committee
As per memorandum NO.10/6/98/VIG dated 08th June, 1998 of Government of India, Ministry of Finance, Department of Economic Affairs, Banking Division, Vigilance Section, a committee consisting of Chairman and Managing Director and the Nominee Directors of Government of India and RBI in the Bank was formed to deal with the promotions at senior levels and also review of Vigilance Disciplinary cases and departmental enquiries on quarterly basis. Accordingly, the Committee was formed in the meeting of Board of Directors held on November 09, 2013.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.16 Priority Sector Lending Committee
On July 27, 2013, the Board constituted a Sub-committee of the Board on Priority Sector Lending for more focused attention on achieving targets on Priority Sector Lending and on various sub-sectors of priority sectors and formulation of strategies for priority sector lending.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.17CommitteeoftheBoardforConfirmationofWilfulDefaulters
The Reserve Bank of India, vide their circular DBOD No.BC/CIS/47/20.16.002/94 dated 23.04.1995 and vide modified circular No.RBI/2014-15/73 dt.07.01.2015 has notified to constitute a
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Review Committee of the Board headed by the Chairman with two independent directors to review the order of the committee headed by Executive Director in respect of identification of Wilful Defaulters. Based on these guidelines, the Committee of the Board for Review of Wilful Defaulters was constituted by Board at its meeting held on April 17, 2015.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
3.18 Committee of Board to Review Non Cooperative Borrowers:
The Reserve Bank of India, vide their communications DBR. No.CID.BC.54/20.16.064/2014-15 dated December 22, 2014 has notified to constitute a Review Committee of the Board headed by Chairman & Managing Director with two independent directors to review the order of the Committee headed by Executive Director and confirm / finalize the order in respect of identification of Non Cooperative Borrowers who does not engage constructively with his lender by defaulting in timely repayment of dues while having ability to pay, thwarting lenders’ efforts for recovery of their dues by not providing necessary information sought, denying access to assets financed/ collateral securities, obstructing sale of securities etc. Based on these guidelines, the Committee of the Board to Review Non Cooperative Borrowers was constituted by Board at its meeting held on November 07, 2015. No meeting was held during 2017-18.
The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.
4. Committees of Executives
For proper and efficient functioning of day-to-day functions of the Bank, the Bank has also formed various In-house Committees. Some of the In-house Committees are as under:
4.1 Investment Committee
The Bank has constituted an Investment Committee of Executives for Investment and Money Market Operations. The said Committee reviews all the deals / transactions and the matters relating to investments and funds management transactions and gives necessary guidelines. These meetings are required to take place twice a week or as often as necessary for reviewing investment decisions.
The Committee is chaired by the Chairman & Managing Director and in his absence by the Executive Director. During the year under review, the Committee has been meeting regularly.
4.2 Assets Liability Management Committee
The Bank has constituted Assets Liability Management Committee (ALCO) with Chairman and Managing Director and in his absence Executive Director as Chairman of the Committee. The functions of the Committee inter-alia include overseeing Market Risk Management, Liquidity Risk Management, Interest Rate Sensitivity of Assets and Liabilities and fixation of interest rates etc.
The functional General Managers and other executives from Head Office are other members of the Committee. During the year, the Committee met on 63 occasions to discuss and review ALM functions in the Bank.
4.3 In-House Share Transfer Scrutiny Committee
The Bank had constituted an In-House Share Transfer Scrutiny Committee of the executives of the Bank for approving/ recommending shares transfer, which are processed by the
Registrar & Share Transfer Agent of the Bank. The Committee also periodically reviews the progress of demat position of Bank’s shares and shareholding pattern of the Bank. General Manager (Financial Management), Asst. General Manager (Board Secretariat), Asst. General Manager (IRC) and Chief Manager (IRC) & Company Secretary are the members of the Committee. General Manager (Financial Management) acts as the Chairman of the Committee. During the year, the Committee met on 38 occasions.
4.4 Internal Committee of Executives on Premises (ICE)
The main functions of the Committee are approval of proposals for acquisition of premise on leasehold basis, increase in rent, payment of arrears, renewal of lease and surrender of leased premises, approval of deviations/modifications with regard to terms of sanction/Policy etc. and recommending the proposal to the Management Committee of Board of Directors, where the total annual outgo is beyond the Discretionary Powers prescribed for the ICE.
The Committee is headed by the Chairman & Managing Director. The Executive Directors and six General Managers are members of the Committee.
During the year 2017-18, the Committee met on 10 occasions and 73 no. of proposals were placed before the ICE.
5. Remuneration of Directors
The Chairman & Managing Director and the Executive Directors were paid salary / remuneration as per extant guidelines of the Government of India and are not paid sitting fees for attending the Board and other Committee meetings of the Bank. All other Non-Executive Directors except Government and RBI nominee Directors, are paid sitting fees of Rs.20,000/- for attending each Board Meeting and Rs.10,000/- each for attending any other Committee meeting as per notification F.No.15/1/2011-BO.I dated 20th July 2015 received from Government of India, Ministry of Finance, Department of Financial Services.
In addition to sitting fees to which a director is entitled to be paid as mentioned above, every such director travelling in connection with the work of the Bank shall be reimbursed his / her travelling & Halting expenses if any, on such basis as may be fixed by Central Government from time to time. All matters relating to remuneration of Non-Executive Directors are governed by the provisions contained in the Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.
6. Whistle Blower Policy
The Board of the Bank has approved a policy known as Whistle Blower Policy as per CVC and SEBI guidelines. Under this a mechanism has also been incorporated as to how an employee can report to the CVO/ Management about unethical behavior if any, actual or suspected fraud or violation of conduct or ethics. This mechanism also provides adequate safeguards against victimization of employee who avail of this mechanism and also provide for direct access to the Chairman of the Audit Committee in exceptional circumstances. Whistle Blower Policy 2017-18 has been hosted at the website of the Bank.
7. General Body Meetings
The details of last three Annual General Meetings and last three Extraordinary General Meetings are given below. The venue of all meetings was Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Vile Parle (West), Mumbai-400 056:
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Details of the Meeting Date & TimeTwenty first Annual General Meeting *
Tuesday, 27th June, 2017 at 11.00 a.m.
Twentieth Annual General Meet-ing
Tuesday, 28th June, 2016 at 11.00 a.m.
Ninetieth Annual General Meet-ing
Saturday, 27th June, 2015 at 11.00 a.m.
Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential basis to GOI and to appoint two Shareholder Directors)
Tuesday, 27th March, 2018 at 11.00 a.m.
Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential ba-sis to GOI, LIC of India and GIC of India)
Monday, 27th March, 2017 at 11.00 a.m.
Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential ba-sis to Govt. of India )
Thursday, 22nd September, 2016 at 11.00 a.m.
*The Last AGM was attended by Shri Ashwani Kumar- Chairman & Managing Director, Smt. Trishna Guha- Executive Director, Shri Ramesh S. Singh – Executive Director and Shri V Chandrasekaran – Shareholder Director & Chairman of the Audit Committee.
Special Resolution was passed at the 21st Annual General Meeting and above said Extraordinary General Meetings.
Postal Ballot – Bank has not conducted any postal ballot during the last financial year.
E-Voting – Bank has provided E-Voting facility to shareholders for the resolutions placed in the Annual General Meeting and Extraordinary General Meeting held as above.
8. Disclosures:
8.1 Disclosure of Material Transactions and Pecuniary Relationship
The Bank has formulated a policy on materiality of Related Party Transactions and also on dealing with Related Party Transactions, which is approved by the Board in its meeting held on January 09, 2015. The said policy is also posted at the website of the Bank, the web-link of the same is as follows: http://www.denabank.com//uploads/files/1421147731326-RPT-Policy.pdf
There have been no significant related party transactions, pecuniary transactions or relationship between the Bank and its Directors for the year ended March 31, 2018 that may have a potential conflict with the interest of the Bank at large.
The Bank has sponsored one Regional Rural Bank in the state of Gujarat Viz. Dena Gujarat Gramin Bank (DGGB) where Bank’s extent of ownership is 35%, During the year, DGGB has issued Inter Bank Participation Certificate (IBPC) of Rs. 190.00 cr to Dena Bank on risk sharing basis representing various loans to priority sector which was matured on 27/12/2017. DGGB has invested Rs. 2 cr in Dena Bank Tier-II Bonds. Further, as on 31/03/2018, DGGB’s deposit with bank stood at Rs.644.50 cr and have availed advances of Rs.594.35 cr.
8.2 There were no cases of non-compliance by the Bank and no penalties / strictures were enforced on the bank by Stock Exchanges/ SEBI or any other statutory authority on any matter related to the capital markets during the last three years.
8.3 As required under Regulation 40(9) of SEBI (LODR) Regulations, 2015, a certificate is obtained within one month of the end of each half of the financial year from a practicing Company Secretary, with regard to inter-alia, effecting transfer, transmission, sub-division, consolidation, renewal and exchange of equity shares within 30 days of the lodgment. The certificate is obtained and filed in BSE and NSE, where the equity shares are listed.
8.4 In terms of SEBI’s circular No. D&CC/FITTC/CIR-16 dated December 31, 2002 a Reconciliation of Share Capital Audit is conducted on a quarterly basis by a firm of practicing company secretary, for the purpose of, inter-alia, reconciliation of total admitted equity share capital with the depositories and in the physical form with the total issued / paid up equity capital of Dena Bank. Certificate issued in this regard is forwarded to BSE and NSE, where the equity shares of the Bank are listed, within 30 days from the quarter end.
8.5 The Clause of Non-mandatory requirements complied by the Bank is as follows:
S l . No.
Requirement Compliance
1 BoardA non-executive Chair-man may be entitled to maintain a Chairman's of-fice at the company's ex-pense and
The Chairman of the Board is an Executive Director ap-pointed by GOI, hence the clause is not applicable as it relates to maintenance of office by non-executive Chair-man.
2 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.
Quarterly/ Half yearly results in SEBI format are published in the newspapers and put on the websites of the Bank and Stock Exchanges.
3 AuditQualificationsCompany may move towards a regime of unqualified financial statements.
There has been no audit qualification during the year. Hence, complied with.
4 Separate posts of Chair-man and CEOThe company may ap-point separate persons to the post of Chairman and Managing Director/CEO.
The appointment of Chair-man, Managing Director & CEO of the Bank is made by Ministry of Finance, GOI. Hence the clause is not ap-plicable.
5 Reporting of Internal AuditorThe Internal auditor may report directly to the Audit Committee.
Internal Inspection function of the Bank directly reports to the Audit Committee. Hence, complied with.
9. Financial Results and Means of Communication:
The Bank recognizes the need for keeping its members and stakeholders informed about the events of their interests.
The Quarterly / Half Yearly / Annual results of the Bank are submitted to the Stock Exchanges where the shares of the Bank are listed, within the stipulated time frame. Further, the quarterly results / half-yearly / annual results were also published in English, Hindi and in Marathi (Regional Language) newspapers as per the statutory requirement. The Bank also communicates the annual results to the Shareholders. The results as well as shareholding pattern are displayed on the website of the Bank i.e. www.
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denabank.com. It also displays official press releases and other important details about the Bank. Press Meet and Analyst’s Meets are also organized by the Bank.
10. Shareholder information
The Bank is a Scheduled Commercial Bank having its Head Office at Mumbai. The Bank has presence all over India with a network of 1872 Branches (including 72 satellite branches).
The Equity shares of the Bank are listed on BSE Limited (BSE) and National Stock Exchange of India Limited (NSE). The stock scrip codes are as follows:
Stock Exchange CodeAlpha Numeric
BSE DENA BANK 532121NSE DENABANK --
Annual Listing fee for next financial year 2018-19 has been paid to both the stock exchanges.
11. Capital Augmentation during the FY 2017-18
11.1 The Bank had taken approval of shareholders at the Extra Ordinary General Meeting held on 27th March, 2017 to raise equity
share capital upto an amount of Rs. 792.33 Crore by issue and allotment of 20,62,81,999 equity shares at a price of Rs. 38.41 per share (including premium of Rs. 28.41) on preferential basis to Government of India (15,62,09,320 Equity Shares), LIC of India (4,48,65,702 Equity Shares) and GIC of India (52,06,977 Equity Shares). The Bank had received and kept the said amount as application money till the allotment of equity shares. The allotment of shares was made on 4th August, 2017 pursuant to approval of GOI vide their letter F. No. 7/38/2014-BOA dated 4th August, 2017.
The Bank has raised Rs. 401.26 Crore in October, 2017 by issue and allotment of 13,74,18,819 fully paid equity shares @ Rs. 29.20 per share to Qualified Institutional Buyers (QIBs) under Qualified Institutions Placement (QIP).
Pursuant to approvals from Reserve Bank of India and Government of India under Section 3(2B)(c) of Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970; the Bank has raised Rs. 3,045 Crore by allotment of 112,81,95,628 Equity shares of Rs.10/- each at a price of Rs. 26.99 per share (including premium of Rs. 16.99 per share) to President of India (Government of India) on preferential basis on 27th March, 2018. The capital raised would be utilized to shore up the capital adequacy of the bank and to fund the general business needs of the Bank.
11.2 The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes / Debentures (Tier-I and Tier-II Capital) from time to time. The relevant details thereof are as under:
Particulars of the Issue Size(Rs. In Cr)
Date of Allotment
Date of Maturity
ISIN No. Details of Trustees
9.25% Lower Tier-II Bonds (Series IX) 106 25.03.2008 24.05.2018 INE077A09062 IDBI Trusteeship Ltd.Asian Building, Ground Floor,17 R Kamani Marg,Ballard EstateMumbai 400001Phone 022-40807009Email – [email protected]
11.20% Lower Tier-II Bonds (Series X) 300 30.09.2008 30.04.2019 INE077A090709.50% Lower Tier-II Bonds (Series XI) 200 29.01.2009 29.01.2019 INE077A090889.00% Perpetual Bonds (Series II) 125 28.05.2009 Perpetual INE077A09096
9.23% Lower Tier-II Bonds (Series XII) 850 25.06.2012 25.06.2027 INE077A09104 Centbank Financial Services Ltd. Central Bank of India-MMO Bldg, 3rd Floor (East Wing), 55 MG Road, Fort, Mumbai 400001.
9.86% Basel III Compliant Lower Tier-II Bonds (Series XIII)
780 26.02.2014 26.02.2024 INE077A08064
8.76% Basel III Compliant Lower Tier-II Bonds (Series XIV)
400 20.09.2016 20.09.2026 INE077A08098
RedemptionofBondsduringthefinancialyear:
10.05% Perpetual Bonds (Series I) was redeemed on 31.12.2017 by exercising call option.
10.20% Basel III Compliant AT1 Perpetual Bonds (Series III) and 10.95% Basel III Compliant AT1 Perpetual Bonds (Series IV) was redeemed on 31.03.2018 by exercising call option under Regulatory Event.
All these Bonds are listed at the National Stock Exchange of India Ltd. and the Bank will pay the Annual Listing Fees for next financial year 2018-19 to the Stock Exchange before its due date.
11.3 Credit Rating position of the Bonds of our Bank:
Types of Bonds Agency Ratings(March, 2018)
Tier-II Bonds(Basel II Compliant)
CRISIL RATINGS CRISIL AA- / StableCARE RATINGS CARE A + / StableINDIA RATINGS IND AA- / Stable
Perpetual/ IPDI(Basel II Compliant)
CRISIL RATINGS CRISIL A+/ StableCARE RATINGS CARE A / Stable
INDIA RATINGS IND A- / StableTier II Bonds(Basel III Compliant)
CARE RATINGS CARE A + / Stable
12.1 Dematerialisation of Shares and Liquidity
The shares of the Bank are traded compulsorily in dematerialized mode. The Bank, as an issuer, has entered into agreements with NSDL and CDSL for dematerialization of shares. In terms of SEBI guidelines, the Registrar & Share Transfer Agent of the Bank is also extending the facility of transfer / dematerialization / rematerialization etc., to shareholders of the Bank.
As on 31-03-2018Demat Physical Total
Number of Shareholders
2,16,856(87.48%)
31,027(12.52%)
2,47,883(100%)
Number of Shares
225,06,15,237(99.63%)
84,31,093(0.37%)
225,90,46,330(100%)
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12.2 Share Transfer Systems and Redressal of Investor Grievances.
The Bank has engaged M/s. Link Intime India Private Limited as Registrar & Share Transfer Agent (R & T Agent) of the Bank and the Share/ Bond transfers / transmission, Dividend / Interest payments and all other investors’ related matters are attended to and processed by R & T Agent at their office. The R & T Agent after processing the requests of investors put the same to the In-house Share Transfer Scrutiny Committee of the Executives of the Bank which approves and recommends the transfer / transmission etc. of shares of the Bank to the Share Transfer Committee/ Stakeholder’s Relationship Committee for ratification.
Shareholders may lodge their transfer deeds (only in case of holding in physical form) and any other document, including complaints at the following address of Registrar & Share Transfer Agent of the Bank and also refer correspondence, if any, at the Bank’s Investor Relations Centre at the address given below.
M/s. Link Intime India Private LimitedUnit: Dena Bank,C 101, 247 Park, L. B. S. Marg, Vikhroli (West), Mumbai, Maharashtra - 400083Tel: 022 - 49186270Tele- Fax: 022 - 49186060E-mail: [email protected], [email protected]
Dena Bank, Head Office,Investor Relations Centre, 3rd Floor,Dena Corporate Centre,C-10, G Block, Bandra Kurla Complex,Bandra (East), Mumbai- 400 051Tel: 2654 5318/19/20Tele-fax: 2654 5317E-mail: [email protected]
The Bank has provided a dedicated and exclusive e-mail id [email protected] for the Grievance Redressal, as per SEBI guidelines. Shareholders are requested to avail of this facility in case of any grievance.
12.3 Green Initiative in Corporate Governance
As part of the Green Initiative in Corporate Governance, the
Bank has been sending all communications and documents such as Notice of AGMs and other General Meetings, Explanatory Statement thereto, Annual Report, Balance Sheets, Directors’ Report, Auditor’ Report and other shareholder communications in electronic form to the email address registered by the shareholders either with the Bank or with the depositories as the case may be.
Shareholders are requested to register / update their email ids with the Depository Participants (DPs) or M/s Link Intime India Pvt. Ltd. as the case may be at the earliest, to enable the Bank to be part of this green initiative.
12.4 Financial Calendar: (Tentative)
Financial Year 1st April, 2018 to 31st March, 2019
Board Meeting for considering the Accounts and recommendation of dividend, if any
11th May, 2018 (Friday)
Dates of Book Closures 21st June, 2018 to 27th June, 2018
Last date for receipt of proxy form
22nd June, 2018
Date and Time of Twenty Second Annual General Meeting
27th June, 2018 at 11:00 A.M.
Board Meeting for taking on record the Un-audited results for first 3 quarters
Within 45 days of the end of relevant quarter
Venue of Twenty Second Annual General Meeting
Auditorium,Sir Sorabji PochkhanawalaBankers’ Training College, Near Cooper Hospital, J.V.P.D. Scheme, Vile Parle (West),Mumbai- 400 056
12.5 Shares Price and Volume of Shares traded on NSE & BSE during the year 2017-18:
National Stock Exchange (NSE) Bombay Stock Exchange (BSE)
Period High Low Total Volume of shares traded High Low Total Volume of
shares tradedApr-17 44.90 38.10 2,75,48,301 44.70 38.00 57,91,852May-17 50.10 33.75 7,01,42,856 50.00 33.70 1,66,34,343Jun-17 38.40 33.10 3,03,33,562 38.40 33.00 73,67,699Jul-17 36.10 32.10 1,87,63,644 36.10 32.25 41,77,220Aug-17 35.25 30.30 1,38,07,692 35.30 30.30 33,60,393Sep-17 33.60 30.00 1,69,20,104 33.45 30.45 27,48,452Oct-17 32.00 27.10 10,15,94,414 32.00 27.10 1,41,13,357Nov-17 28.70 24.30 7,09,26,971 28.80 24.30 1,15,14,144Dec-17 26.40 23.55 3,40,37,649 26.40 23.70 66,11,760Jan-18 27.85 24.85 7,30,77,475 27.85 24.65 1,30,02,922Feb-18 25.50 19.85 3,79,73,140 25.55 19.85 77,71,152Mar-18 21.60 18.05 3,15,33,392 21.70 18.00 65,03,534Highest during the year 50.10 Highest during the year 50.00Lowest during the year 18.05 Lowest during the year 18.00
12.6 Shareholding Pattern as on March 31, 2018:
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The shareholding pattern of the Bank as on March 31, 2018 is as follows:
Sl. No.
Category No. of Shares held
% of Share-holding
1 Government of India 182,40,31,844 80.742 Insurance Companies 19,05,01,676 8.433 Foreign Institutional In-
vestors2,79,37,286 1.24
4 Bodies Corporate 2,52,95,657 1.125 NRI/ OCBs 56,06,737 0.256 Banks & Financial Insti-
tutions3,84,19,247 1.70
7 Mutual Funds/ UTI 400 0.008 Resident Individuals /
NBFC Regd. with RBI, Trust, etc.
14,72,53,483 6.52
TOTAL 225,90,46,330 100.00
12.7 (A) Statement showing shareholding of persons belonging to the category “Promoter and Promoter Group” as on 31.03.2018:
Sl. No.
Name of Shareholder Number of Shares held
% of total holding
1. President of India (GoI) 182,40,31,844 80.74TOTAL 182,40,31,844 80.74
B) Statement showing shareholding of persons belonging to the category “Public” and holding more than 1% of the total number of shares as on 31.03.2018:
S/No.
Category of the Shareholders
Number of Shares held
Shares as percentage
of total no. of shares
1 Life Insurance Corpo-ration of India
15,52,69,698 6.87
2 General Insurance Cor-poration of India
2,85,32,665 1.26
Total 18,38,02,363 8.13
12.8 Distribution of Shareholding as on 31.03.2018
Description Shareholders Shareholding(Shares Range) Number % to total Number % to total
Upto 500 206069 83.13 34625936 1.53501-1000 20687 8.34 17325868 0.771001-2000 10490 4.23 16364235 0.722001-3000 3610 1.46 9361867 0.413001-4000 1725 0.70 6251979 0.284001-5000 1434 0.58 6825226 0.30
5001-10000 2144 0.86 16156277 0.72Above 10000 1724 0.70 2152134942 95.27
Total 247883 100.00 2259046330 100.00
12.9 Performance of Dena Bank Share in comparison with the movement of S & P CNX Nifty is shown here below:
12.10 Shareholders information:
The Bank had declared Dividend for the following years:
Sl Year Dividend (%)
Sl Year Dividend (%)
1 1996-1997 12% 13 2008-2009 12%2 1997-1998 15% 14 2009-2010 20%3 1998-1999 16% 15 2010-2011 22%4 1999-2000 6% 16 2011-2012 30%5 2000-2001 Nil 17 2012-2013 47%6 2001-2002 Nil 18 2013-2014
(Interim)11%
7 2002-2003 Nil 19 2013-2014 (Final)
11%
8 2003-2004 Nil 20 2014-2015 (Final)
9%
9 2004-2005 Nil 21 2015-16 Nil10 2005-2006 Nil 22 2016-17 Nil11 2006-2007 8% 23 2017-18 Nil12 2007-2008 10%
The Government of India vide its notification dated October 16, 2006 has further amended the Banking Companies (Acquisitions & Transfer of Undertakings) Act, 1970/ 1980, and enacted the new law called the Banking Companies (Acquisitions and Transfer of Undertakings) and Financial Institutions Laws (Amendment) Act, 2006 effective from the date of notification.
As per section 10(B) (2) of the aforesaid Act, the Bank has to transfer the whole or part of any dividend declared before the commencement of the above said Act, unpaid dividend to a special account called “Unpaid Dividend Account of Dena Bank (year)” within six months from the commencement of the Act. i.e. 16th October, 2006. Bank has complied with the above requirement and transferred the same to “Unpaid Dividend Account”
As per section 10 (B) (1) of the aforesaid Act, where, after the commencement of the Banking Companies (Acquisition and Transfer of Undertakings) and Financial Institutions Laws (Amendment) Act, 2006, a dividend has been declared by a corresponding new bank but has not been paid or claimed within thirty days from the date of declaration, to, or by, any shareholder entitled to the payment of the dividend, the corresponding new bank shall, within seven days from the date of the expiry of such period of thirty days, transfer the total amount of dividend which remains unpaid or unclaimed within the said period of thirty days, to a special account to be called “Unpaid Dividend Account”. The Bank has complied with this guideline for dividend for the year 2014-15.
As per section 10 (B) (3) of the aforesaid Act, Any money transferred to the Unpaid Dividend Account of a corresponding
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new bank in pursuance of this section which remains unpaid or unclaimed for a period of seven years from the date of such transfer, shall be transferred by the corresponding new bank to the Investor Education and Protection Fund established by the Central Government. Accordingly, Bank has transferred Unpaid/ Unclaimed Dividend amount lying in the unpaid dividend account upto 2009-10.
Accordingly, the shareholders who have not received the dividend from the year 2010-11 to 2014-15 may please contact Investor Relations Centre of the Bank or M/s. Link Intime India Private Limited for assistance. Bank had not declared any dividend during the years 2000-2001 to 2005-06 and in the year 2015-16 to 2017-18.
12.11SEBI has made it mandatory for all listed companies to use the Bank account details furnished by the Depositories for distributing dividends through National Electronic Clearing Service (NECS) to the investors where ECS facility is available. In the absence of NECS facility the Bank shall print the Bank Account details, if available, on payment instrument for distribution of dividends to the investors.
12.12 The shareholders having physical shares, who have not provided the Bank Mandate details/ change in Bank Mandate details, may furnish the same to avoid fraudulent encashment of the dividend warrants. Performa for furnishing the Bank Mandate is provided separately in the Annual Report.
12.13 It may please be noted that the shareholders who are holding the shares in physical form may send their Bank Mandate details and change in address, if any, to the Investor Relations Centre of the Bank or M/s. Link Intime India Private Limited, Mumbai for updating record of the shareholders. The shareholders who are holding the shares in demat (electronic) form may approach their Depository Participant for necessary updation of the particulars of Bank account, address of shareholder etc.
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DECLARATION
Declaration of the Executive Director pursuant to Regulation 34(3) of SEBI (LODR) Regulations, 2015
It is to declare that all the Board Members and Senior Management Personnel of the Bank have affirmed their compliance with the Code of Conduct for the Financial Year ended on 31st March, 2018 in accordance with Regulation 34(3) of SEBI (LODR) Regulations, 2015. The said Code of Conduct has been posted on the Bank’s website.
For Dena Bank
Date:11.05.2018Place: Mumbai (Ramesh S. Singh) Executive Director
CEO & CFO CERTIFICATE[under Regulations 17(8) of SEBI (LODR) Regulations, 2015]
The Board of DirectorsDena Bank,Mumbai
We hereby certify that for the financial year, ending 31st March, 2018 on the basis of the review of the financial statements and the cash flow statement and to the best of our knowledge and belief that :-
i. These statement do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading;
ii. 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, as disclosed in the financial results of the Bank.
iii. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year 2017-18 which are fraudulent, illegal or violative of the Bank’s code of conduct, except as reported to Board / RBI.
iv. We accept responsibility for establishing and maintaining internal controls. We have evaluated the effectiveness of the internal control systems of the bank and we have disclosed to the auditors and the Audit Committee, those deficiencies, of which we are aware, in the design or operation of the internal control systems and that we have taken the required steps to rectify these deficiencies.
v. We further certify that :
1. there have been no significant changes in internal control system during the year;
2. there have been no significant changes in accounting policies during this year, except as disclosed in the financial results of the Bank.
3. there have been no instances of significant fraud of which we have become aware and the involvement therein, of the management or an employee having a significant role in the Bank’s internal control system except as reported to Board / RBI. Whenever any frauds were detected necessary disciplinary action was taken against the concerned employee. Further necessary preventive measures are also being taken on ongoing basis.
(Usha Ravi) (Dr. Rajesh Kumar Yaduvanshi) (Ramesh S. Singh) General Manager Executive Director Executive Director (FM) & CFO
Date: 11.05.2018Place: Mumbai
CORPORATE GOVERNANCE REPORT 2017-18
60g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Auditors’CertificateonCorporateGovernance
[under Regulations 34(3) of SEBI (LODR) Regulations, 2015]
To
The Board of Directors, Dena Bank, Head office, Dena Corporate Centre C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051.
We have examined the compliance of the conditions of Corporate Governance by Dena Bank for the year ended March 31, 2018, as stipulated in SEBI (LODR) Regulations, 2015.
The compliance of the conditions of corporate governance is the responsibility of the management. Our examination was limited to the procedures and implementation thereof, in terms of aforesaid Regulations. It is neither an audit nor an expression of opinion on the financial statement of the Bank.
We certify that, in our opinion and to the best of our information and according to the explanations given to us, the Bank has complied with the conditions of Corporate Governance as stipulated in SEBI Regulations, except the following, so far as they are not inconsistent with the guidelines issued by the Government of India & Reserve Bank of India.
1. There is no woman Director in the Bank since 1st September, 2017 as the Government of India has not appointed any Woman Director.
2. Since two Board members retired on 23rd March, 2018, Bank was having only three members in the Audit Committee of the Board as on 31st March, 2018 against the minimum required number of five members as per RBI guidelines. The said vacancies were filled in by the Bank in the immediately following Board meeting held on 26th April, 2018.
We state that no investor grievance is pending for a period exceeding one month against the Bank as certified by Registrar & Transfer Agents of the Bank.
We further state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or effectiveness with which the management has conducted the affairs of the Bank.
for, Ramesh C Agrawal & CoChartered Accountants
[R C Agrawal]PartnerM No.070229FRN 001770C
for, A B P & AssociatesChartered Accountants
[Prabhat Kumar Panda]PartnerM No.057140FRN 315104E
for, Kailash Chand Jain & CoChartered Accountants
[Sandeep K. Jain]PartnerM No.110713FRN 112318W
for, Sarda & PareekChartered Accountants
[Niranjan Joshi]PartnerM No.102789FRN109262W
Date: 11.05.2018Place: Mumbai
CORPORATE GOVERNANCE REPORT 2017-18
61g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
DIRECTORS’ PROFILE
Shri Ramesh S. Singh was appointed as an Executive Director in our Bank on 22nd January, 2016. He is a Graduate in Arts and Law. He is a Certified Associate of Indian Institute of Bankers (CAIIB). Shri Ramesh S. Singh has attended training programs on Advance Leadership and Leadership Development at IIM Ahmedabad, Leadership Development at ASCI Hyderabad and Leadership Development for Corporate Excellence arranged by NIBM Pune with Kellogg School of Management, Chicago.
Prior to joining our Bank as Executive Director, Shri. Ramesh S. Singh was holding the position of Field General Manager in Central Bank of India at its Zonal Office, Bhopal where he was heading Bank’s Operation in the State of Madhya Pradesh comprising of 6 Regional Offices, 468 branches and 18 Lead Bank District Offices. Shri Ramesh S. Singh was also Convener of State Level Bankers’ Committee (SLBC) for the State of Madhya Pradesh. He has also worked as General Manager (Treasury and International Division) at Central Office, Mumbai.
Dr. Rajesh Kumar Yaduvanshi was appointed as an Executive Director in our Bank on 09th October, 2017. He is a Post Graduate in Science and holds a PhD in Entomology from Indian Agricultural Research Institute, New Delhi. He is a Certified Associate of Indian Institute of Bankers (CAIIB). He has attended various training programs including Intensive FEX program, Advanced Training in International Banking (NIBM Pune) and Leadership Skills for Top Management at ISB Hyderabad.
Dr. Rajesh Kumar Yaduvanshi is having more than 32 years of vast experience in banking. Prior to joining our Bank, he was holding position of General Manager in Punjab National Bank and was working as Field General Manager, Delhi NCR comprising of four Circles, 368 branches and two large Corporate Branches. He has also worked for 3 years in the U.K. with Punjab National Bank (international) Ltd. & 3 years as a Circle Head of Jalandhar.
Shri Ashok Kumar Singh represents Government of India on the Board of the Bank since 15th January, 2016. He holds a B.Tech. degree in Mechanical Engineering from IIT, Kanpur. He has joined the Indian Administrative Services in the year 1999 in Kerala Cadre. Shri Ashok Kumar Singh was Managing Director of Kerala Water Authority, Kerala. He was previously on the Board of State Bank of Travancore as Govt. Nominee Director. Presently, Shri Ashok Kumar Singh is holding the position of Director {Financial Inclusion, e-Samiksha, Content for media and allied matters, Information Technology (IT)}, Department of Financial Services, Ministry of Finance, Government of India.
Shri Shirish C. Murmu represents Reserve Bank of India on the Board of the Bank since 03rd May, 2016. He is post graduate in science from Jawaharlal Nehru University, New Delhi. He is a Certified Associate of the Indian Institute of Bankers (CAIIB). Presently, he holds the position of the Regional Director of RBI for Kolkata region. Previously, he has worked in various departments of RBI, such as Issue and Banking Department, Department of Banking Supervision, Department of Urban Banks Supervision, Department of Banking Supervision, Financial Inclusion and Development Department. He has also worked as Chief General Manager, Department of Information Technology.
Shri Amit Chatterjee is appointed as a part-time non-official Director on the Board of the Bank w.e.f. 28th January, 2016. Shri Amit Chatterjee, holds the degree of B.A. (Hons.) in Economics from St. Stephen’s College, Delhi. He is Post Graduate in Economics from Delhi School of Economics, MBA (Finance) degree from Faculty of Management Studies, Delhi and MPhil (Public Administration) degree from Indian Institute of Public Administration, New Delhi. Shri Amit Chatterjee has attended several professional training programmes at prestigious institutions including Wharton Business School, University of Pennsylvania, USA; Georgetown University USA, London School of Economics U.K., National Academy of Administration, Mussoorie; National Academy of Direct Taxes, Nagpur and Indian Institute of Management, Bangalore.
Shri Amit Chatterjee is a retired Senior Officer of Indian Revenue Service. He has acquired special skills over 36 years of vast experience (including 14 years at Joint Secretary level and above) in Government of India Services. He has extensive background in directing policy matters and has held senior positions in the Ministries of Finance, Corporate Affairs, Power, Commerce & Industry. During his service period, he has served on various committees formed by Government of India in various capacities. He is a former Chief Commissioner of Income Tax, Mumbai and Delhi. Shri Amit Chatterjee has also served in the Election Commission of India as Election Observer in various states including Bihar, Uttar Pradesh and Madhya Pradesh.
Shri G. Gopalakrishna is appointed as a part-time non-official Director on the Board of the Bank w.e.f. 28th January, 2016. He is Graduate in Arts and Law. He is a Certified Associate of Indian Institute of Bankers (CAIIB).
Shri G. Gopalakrishna was Executive Director of Reserve Bank of India from October 2007 to April 2014. He was Director of Centre for Advanced Financial Research and Learning (CAFRAL) which was formed by Reserve Bank of India (RBI) to develop a world class global institution for research and learning in banking and finance.
During 2011, Shri G. Gopalakrishna has Chaired the Working Group on Information Security, Electronic Banking Technology, Risk Management and Cyber Frauds. Shri G. Gopalakrishna was also Chairman of the Technical Group set up to review Supervisory Rating Framework as part of the High Level Steering Committee appointed by RBI in 2012 to review the Supervisory process in India.
Dr. Yasho Verdhan Verma is elected as a Shareholder Director on the Board of the Bank w.e.f. March 28, 2018. He holds a degree in Mechanical Engineering from University of Allahabad and holds post-graduation degree in Personnel Management and industrial Relations from Punjab University. He also holds degree of Doctorate in Philosophy from IIT, Kharagpur.
He started his career with TATA Steel in Jamshedpur and also worked in with Usha India and Jindal Organization in HR department. He has served as the CEO of MIRC Electronics Limited and also served in various capacities in LG Electronics India such as Director (Home Appliances), Chief Operating Officer of Indian Operations and Vice President (Human Resources).
He was awarded as ‘HERETIC’ by Business Today and Gallup and featured on cover page of Business Today', a prestigious business magazine in India, in 1997. He has been conferred with an Honorary Fellowship by All India Management Association for significant contribution towards Professional Management. He was also a Council Member of Management of "All India Management Association". He was President of "Consumer Electronics and Appliances Manufacturers (CEAMA)" during the period 2009-11.
Shri Rakesh Kumar has been elected as a Shareholder Director on the Board of the Bank w.e.f. March 28, 2018. He is a Post Graduate in Physics. At present, he is holding the position of Executive Director (Marketing / Bancassurance & Alternate Channels) in Life Insurance Corporation of India. Before the present assignment, he was Regional Manager (Marketing) of Northern Zonal Office, Regional Manager (Personnel & Industrial Relations) of Northern Zonal Office and East Central Zonal Office.
62g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Sr. No.
Particulars of Directors, Tenure & shareholding in Dena Bank , if any.
TYPE Age Yrs
Qualification Tenure Directorship / Membership & Chairmanship in Committee of other companies
Shareholding
1 Shri Ashwani Kumar Chairman & Managing Director
60 M.SC, CAIIB 01.01.2013to
31.12.2017
1. Life Insurance Corporation of India - Director
0
2 Smt. Trishna Guha Executive Director
60 M.Sc., PGD in Computer Science
05.08.2013to
31.08.2017
NIL 0
3 Shri Ramesh S. Singh
Executive Director
56 BA, LLB, CAIIB 22.01.2016To
21.01.2019
NIL 0
4 Dr Rajesh Kumar Yaduvanshi
Executive Director
57 M.Sc., PHD in Entomology, CAIIB
09.10.2017To
08.10.2020
NIL 0
5 Shri Ashok Kumar Singh
Govt. of India Nominee
49 B. Tech (Mechanical Engineering)
15.01.2016To
Until further orders
NIL 0
6 Shri S C Murmu Reserve Bank of India – Nominee
50 M. SC, CAIIB 03.05.2016To
Until further orders
NIL 0
7 Shri Bankim R Desai Workmen Employee Director
58 B.Com 19.09.2014To
18.09.2017
NIL 0
8 Shri Amit Chatterjee Part-time Non-official Director
63 BA (Hons) – EconomicsMBA (Finance & Management)MPhil (Public Administration)
28.01.2016To
27.01.2019
NIL 0
9 Shri G Gopalakrishna Part-time Non-official Director
62 BA, LLB, CAIIB 28.01.2016To
27.01.2019
1. SORIL Holdings and Ventures Limited2. West End Housing Finance Limited3. Invent Assets Securitisation and
Reconstruction Private Limited
0
10 Dr Umesh Bellur Shareholder Director
52 B.E.,Ph. D in (Computer Science)
24.03.2015To
23.03.2018
NIL 100
11 Shri V Chandrasekaran
Shareholder Director
60 B.COMFCA
24.03.2015To
23.03.2018
1. UTI Ventures Fund Management Co. Pvt.Ltd.
2. LIC HFL Asset Management Co. Ltd.3. Legal Entity Identified India Ltd.4. CARE Ratings Ltd.5. Tamilnadu Newsprint & Papers
Limited
200
12 Dr Yasho Verdhan Verma
Shareholder Director
60 B.E.,Master in Personnel Management & Industrial Relations,Ph. D in Organizational Behavior
24.03.2015To
23.03.2018&
28.03.2018To
27.03.2021
1. Indiannica Learning Private Limited2. RINAC India Limited3. Vecare Consumer Science Private
Limited
200
13 Shri Rakesh Kumar Shareholder Director
57 M.SC (Physics) 28.03.2018To
27.03.2021
NIL 100
PARTICULARS OF DIRECTORS (DURING THE YEAR ENDED AS ON 31.03.2018) Annexure A
63g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
COMPOSITION OF COMMITTEE OF THE BOARD AS ON 31.03.2018Committee Members Name Category
Management Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri S C Murmu4. Shri Amit Chatterjee5. Shri G Gopalakrishna
1. Executive Director - I2. Executive Director – II3. RBI Nominee Director4. Part Time Non-official Director5. Part Time Non-official Director
Audit Committee 1. Dr Rajesh Kumar Yaduvanshi2. Shri Ashok Kumar Singh3. Shri S C Murmu
1. Executive Director - II 2. GoI Nominee Director3. RBI Nominee Director
Committee on Integrated Risk Management
1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Amit Chatterjee4. Shri G Gopalakrishna
1. Executive Director - I2. Executive Director – II3. Part Time Non-Official Director4. Part Time Non-Official Director
Stakeholders’ Relationship Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri G Gopalakrishna
1. Executive Director - I2. Executive Director – II3. Part Time Non-Official Director
Customer Service Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh
1. Executive Director – I2. Executive Director – II3. GoI Nominee Director
Committee Monitoring Large Value Frauds
1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh
1. Executive Director – I2. Executive Director – II3. GoI Nominee Director
Information Technology Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri G Gopalakrishna
1. Executive Director – I2. Executive Director – II3. GoI Nominee Director4. Part Time Non-Official Director
Remuneration Committee 1. Shri Ashok Kumar Singh2. Shri S C Murmu
1. GoI Nominee Director2. RBI Nominee Director
Nomination Committee 1. Shri Ashok Kumar Singh2. Shri Amit Chatterjee3. Shi G Gopalakrishna
1. GoI Nominee Director2. Part Time Non-official Director3. Part Time Non-official Director
Compliance Committee 1. Shri Ramesh S. Singh 2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh
1. Executive Director – I 2. Executive Director - II 3. GoI Nominee Director
Steering Committee on HR 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh
1. Executive Director – I2. Executive Director – II3. GoI Nominee Director
Committee for monitoring High Value NPAs & Loss Assets
1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri Amit Chatterjee5. Shri G Gopalakrishna
1. Executive Director – I2. Executive Director – II3. GoI Nominee Director4. Part Time Non-Official Director5. Part Time Non-Official Director
Sub-Committee of Board on Priority Sector Lending
1. Shri Ramesh S. Singh 2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri S C Murmu
1. Executive Director – I 2. Executive Director - II 3. GoI Nominee Director4. RBI Nominee Director
Departmental Promotion Committee 1. Shri Ramesh S. Singh2. Shri Ashok Kumar Singh3. Shri S C Murmu
1. Executive Director - I2. GoI Nominee Director3. RBI Nominee Director
Committee of the Board for Review of Willful Defaulters
1. Shri Ramesh S. Singh2. Shri Amit Chatterjee
1. Executive Director - I2. Part Time Non-official Director
Committee of the Board to Review Non-Cooperative Borrowers
1. Shri Ramesh S. Singh2. Shri G Gopalakrishna
1. Executive Director2. Part Time Non-official Director
Issue Committee 1. Smt. Ramesh S. Singh2. Shri Dr Rajesh Kumar Yaduvanshi3. Shri G Gopalakrishna
1. Executive Director – I2. Executive Director – II3. Part Time Non-Official Director
Credit Approval Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri S K Wadhwa4. Smt Usha Ravi5. Shri Rohit Patel
1. Executive Director – I2. Executive Director – II3. General Manager (Corporate Credit)4. General Manager (Financial Management)5. General Manager (Risk Management)
Annexure B
64g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18A
nnex
ure
CP
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65g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18P
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e Tra
nsfer
Co
mmitte
e Me
eting
Custo
mer S
er-
vice C
ommi
ttee
Meeti
ng
Infor
matio
n Te
chno
logy
Comm
ittee
Meeti
ng
Comp
lianc
e Co
mmitte
e Me
eting
Nomi
natio
n Co
mmitte
e Me
eting
Stee
ring C
om-
mitte
e of th
e Bo
ard o
n HR
Comm
ittee
for M
onito
ring
High
Valu
e NP
As &
Loss
As
sets
Cred
it App
rova
l Co
mmitte
e of
the B
oard
Comm
ittee o
n Pr
iority
Sec
tor
Lend
ing
Depa
rtmen
talPr
omoti
onCo
mmitte
e
Issue
Com
-mi
ttee
Comm
ittee o
f the
Boa
rd fo
r co
nfirm
ation
of
Willf
ul De
faulte
rs
Comm
ittee
of
the B
oard
fo
r Rev
iew
of N
on-
Coop
erati
ve
Borro
wer
Dates
of
Meeti
ngDa
tes of
Me
eting
Date
of Me
eting
Dates
of
Meeti
ngDa
tes of
Me
eting
Dates
of
Meeti
ngDa
tes of
Me
eting
Dates
of
Meeti
ngDa
tes of
Me
eting
Dates
of
Meeti
ngDa
tes of
Me
eting
Date
of Me
eting
Date
of Me
eting
Date
ofMe
eting
Date
of Me
eting
Date
of Me
eting
Date
ofMe
eting
Date
ofMe
eting
Date
of Me
eting
Date
of Me
eting
24.04
.1709
.05.17
22.06
.1729
.07.17
30.08
.1723
.09.17
27.10
.1710
.11.17
29.12
.1716
.01.18
14.02
.1806
.03.18
22.03
.18
24.04
.1725
.05.17
22.06
.1719
.07.17
30.08
.1723
.09.17
27.10
.1710
.11.17
18.12
.1730
.01.18
06.03
.1822
.03.18
09.05
.1722
.06.17
29.07
.1727
.10.17
10.11
.1705
.12.17
07.12
.1718
.12.17
14.02
.1817
.03.18
--24
.04.17
07.09
.1707
.12.17
30.01
.18
25.05
.1707
.09.17
18.12
.1706
.03.18
17.03
.1824
.04.17
07.09
.1707
.12.17
30.01
.18
09.05
.1730
.08.17
18.12
.1714
.02.18
24.04
.1730
.08.17
29.12
.1708
.01.18
09.05
.1723
.09.17
07.12
.1706
.03.18
10.11
.1717
.03.18
22.06
.1723
.09.17
29.12
.1717
.03.18
22.06
.1723
.09.17
27.10
.1706
.03.18
12.04
.1720
.04.17
06.05
.1726
.05.17
19.06
.1730
.06.17
19.07
.1704
.08.17
18.08
.1704
.09.17
27.09
.1713
.10.17
09.11
.1704
.12.17
30.12
.1730
.01.18
21.02
.1831
.03.18
25.05
.1723
.09.17
18.12
.1722
.03.18
27.10
.1706
.03.18
04.08
.1710
.10.17
13.10
.1716
.10.17
23.02
.1823
.03.18
27.03
.18
30.08
.1727
.10.17
18.12
.1717
.03.18
--
Total
1312
100
44
14
44
42
44
184
27
40
66g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
To The President of India / Members of Dena BankReport On the Financial Statements1. We have audited the accompanying financial statements of Dena
Bank (‘the Bank’) as at 31 March, 2018, which comprise the Balance Sheet as at 31 March, 2018, and the Profit and Loss Account, and the Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 20 branches audited by us and 758 branches audited by statutory branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Statement of Profit and Loss are the returns from 1094 branches (including 72 satellite branches) which have not been subjected to audit. These unaudited branches account for 11.67 per cent of advances, 37.87 per cent of deposits, 12.21 per cent of interest income and 37.03 per cent of interest expenses.
Management’s Responsibility for the Financial Statements2. Management is responsible for the preparation 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 Banking Regulation Act 1949, Reserve Bank of India guidelines from time to time and accounting standards generally accepted in India. This responsibility includes design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.
Auditor’s Responsibility3. Our responsibility is to express an opinion on these financial
statements based on our audit. We conducted our audit in accordance with Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatements.
4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’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 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.
5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Opinion6. In our opinion, as shown by books of bank and to the best of our
information and according to the explanations given to us:
(a) the Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of the state of affairs of the Bank as at 31 March 2018 in conformity with accounting principles generally accepted in India;
(b) the Profit and Loss Account, read with the notes thereon shows a true balance of loss, in conformity with accounting principles generally accepted in India, for the year covered by the account; and
(c) the Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.
Report on Other Legal and Regulatory Requirements7. The Balance Sheet and the Profit and Loss Account have been
drawn up in accordance with Section 29 of the Banking Regulation Act, 1949;
Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations of disclosure required therein, we report that:
(a) We have obtained all the information and explanations which, to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory;
(b) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank; and
(c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit.
8. We further report that:
a) the Balance Sheet and Profit and Loss account dealt with by this report are in agreement with the books of account and returns;
b) the reports on the accounts of the branch offices audited by branch auditors of the Bank under section 29 of the Banking Regulation Act, 1949 have been sent to us and have been properly dealt with by us in preparing this report;
c) In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable accounting standards.
INDEPENDENT AUDITOR’S REPORT
for, Ramesh C Agrawal & CoChartered Accountants
[R C Agrawal]PartnerM No 070229FRN 001770C
for, ABP & AssociatesChartered Accountants
[Prabhat Kumar Panda]PartnerM No 057140FRN 315104E
for, Kailash Chand Jain & Co.Chartered Accountants
[Sandeep K. Jain]PartnerM No 110713FRN 112318W
for, Sarda & PareekChartered Accountants
[Niranjan Joshi]PartnerM No 102789FRN 109262W
Place: MumbaiDate: 11.05.2018
67g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Auditor’s Report on Abridged Financial Statements
To the Shareholders of Dena Bank
We have examined the attached Abridged Balance Sheet of Dena Bank as at March 31, 2018, the Abridged Profit and Loss Account and also the Cash Flow Statement for the year ended on that date annexed thereto together with the notes thereon (hereinafter referred as Abridged Financial Statements).
These abridged financial statements have been prepared by the bank pursuant to Rule 7A of the Companies (Central Government’s) General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India Vide its letter no. F.No. 7/116/2012-BOA dated August 1, 2012 and are based on the audited financial statements of the Bank for the year ended March 31, 2018 drawn up in accordance with the provisions of Section 29 of Banking Regulation Act, 1949 and covered by our report dated 11th May, 2018 to the President of India, which is attached hereto.
AUDITOR’S REPORT ON ABRIDGED FINANCIAL STATEMENTS
for, Ramesh C Agrawal & CoChartered Accountants
[R C Agrawal]PartnerM No 070229FRN 001770C
for, ABP & AssociatesChartered Accountants
[Prabhat Kumar Panda]PartnerM No 057140FRN 315104E
for, Kailash Chand Jain & Co.Chartered Accountants
[Sandeep K. Jain]PartnerM No 110713FRN 112318W
for, Sarda & PareekChartered Accountants
[Niranjan Joshi]PartnerM No 102789FRN 109262W
Place: MumbaiDate: 11.05.2018
68g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ABRIDGED BALANCE SHEET AS AT MARCH 31, 2018
ABRIDGED BALANCE SHEET
[ ` in '000'] As at
31.03.2018 As at
31.03.2017Capital and Liabilities
Capital 22,590,463 7,871,499
Reserves & Surplus
Statutory Reserves 16,569,006 16,569,006
Capital Reserve 1,307,266 1,307,266
Share Premium 53,364,727 25,697,770
Revenue and Other Reserves1 35,417,518 35,472,002
Share Application Money Pending Allotment 0 7,923,292
Balance in Profit & loss A/c -37,220,969 -17,989,437
TOTAL 69,437,548 68,979,899
Deposits
Demand Deposits 61,036,173 73,440,140
Savings bank Deposits 364,714,880 362,385,978
Term Deposits 635,550,371 703,601,556
TOTAL 1,061,301,424 1,139,427,674
Borrowings
Borrowings in India
(a) from Reserve Bank of India 8,000,000 2,750,000
(b) from other Banks 0 0
(c) from other institutions and agencies 0 4,998,767
(d) Bonds
a) Innovative Perpetual Debt Instrument (IPDI) 1,250,000 2,500,000
b) Basel III Compliant AT-1 Bonds 0 14,000,000
c) Upper Tier II Bonds 0 0
d) Subordinated Debts Unsecured 14,560,000 14,560,000
e) Basel III Compliance Tier II Bonds 11,800,000 11,800,000
Borrowings outside India 0 0
TOTAL 35,610,000 50,608,767
Other Liabilities & provisions
Bills payable 3,809,066 5,010,637
Inter-office adjustments (net) 0 5,182,328
Interest accrued 3,992,856 4,921,078
Provisions towards standard assets 4,752,805 6,339,252
Deferred Tax Liability (net) 0 0
Others 7,103,800 6,964,012
TOTAL 19,658,527 28,417,307
Total Capital and Liabilities 1,208,597,962 1,295,305,146
1 includes Revaluation reserve of Rs. 10930211 thousand (Previous Year Rs. 10984695 thousand)
69g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ABRIDGED BALANCE SHEET AS AT MARCH 31, 2018
ABRIDGED BALANCE SHEET
[ ` in ‘000’] As at
31.03.2018 As at
31.03.2017ASSETS
Cash and Balance with Reserve Bank of India 58,947,354 60,108,622
Balance with banks and money at call and short notice
Balance with banks in India 366,357 459,491
Money at call and short notice in India 0 0
Balance outside India 260,900 2,075,200
TOTAL 627,257 2,534,691
Investments
In India
(a) Government Securities 296,793,306 345,123,928
(b) Other Approved Securities 0 0
(c) Shares 2,509,661 3,541,027
(d) Debentures and Bonds 40,132,614 39,708,616
(e) Subsidiaries and/or Joint Ventures 193,319 193,319
(f) Spl Govt Sec Htm Inv Nonslr 28,020,000 0
(g) Others 8,446,644 8,805,367
Outside India 0 0
TOTAL 376,095,544 397,372,257
Advances
In India
(a) Bills purchased and discounted 8,687,851 8,510,333
(b) Cash credits, overdrafts and loans repayable on demand 256,138,122 339,425,454
(c) Term loans 390,989,171 377,810,374
Outside India 0 0
TOTAL 655,815,144 725,746,161
Fixed Assets 15,573,355 15,770,062
Other Assets
Inter-office adjustments (net) 2,868,127 0
Interest accrued 10,528,667 12,462,746
Tax paid in advance/ deducted at source (net) 12,375,159 12,044,319
Deferred Tax Asset (net) 29,755,210 17,199,210
Non Banking Assets acquired in satisfaction of claims 98,600 98,600
RIDF/ RHDF/ MSME Refinance/ MSME (Risk Capital) Fund 38,597,676 40,717,154
Other 7,315,869 11,251,324
TOTAL 101,539,308 93,773,353
Total Assets 1,208,597,962 1,295,305,146
70g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ABRIDGED BALANCE SHEET AS AT MARCH 31, 2018
ABRIDGED BALANCE SHEET
[ ` in ‘000’]
As at 31.03.2018
As at31.03.2017
Contingent Liabilities
Claims against the Bank not acknowledged as debts 149,609,845 27,863,212
Liability on account of outstanding forward exchange contracts 259,466,531 297,560,842
Guarantees given on behalf of constituents 74,645,313 69,030,787
Acceptances, endorsements and other obligations 29,260,369 33,163,302
Other Items for which the bank is contingently Liable 3,318,300 2,670,000
TOTAL 516,300,358 430,288,143
Bills for collection 25,953,406 26,790,737
Attached Notes form an integral part of the Abridged Balance Sheet
Ramesh S. Singh Dr. Rajesh Kumar YaduvanshiExecutive Director Executive Director
Ashok Kumar Singh S. C. Murmu G GopalakrishnaDirector Director Director
Amit Chatterjee Dr. Yasho Verdhan Verma Rakesh KumarDirector Director Director
A Bhadra Pankaj Mittal Usha RaviAsst General Manager Dy. General Manager General Manager
for, Ramesh C Agrawal & Co for, ABP & Associates for, Kailash Chand Jain & Co for, Sarda & PareekChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
[R C Agrawal]Partner
Mem. No. 070229
FRN 001770C
[Prabhat Kumar Panda]Partner
Mem. No. 057140
FRN 315104E
[Sandeep K. Jain] Partner
Mem. No. 110713
FRN 112318W
[Niranjan Joshi]Partner
Mem. No. 102789
FRN 109262W
Place : MumbaiDate : 11.05.2018
71g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ABRIDGED PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2018
ABRIDGED PROFIT & LOSS ACCOUNT
[ ` in ‘000’]
Period ended 31.03.2018
Period ended 31.03.2017
Income
Interest earned
On advances/bills 58,329,110 69,687,859
On investments 26,818,964 29,060,905
On balance with RBI and inter-bank funds 1,019,055 370,547
Others 3,155,118 2,697,418
TOTAL 89,322,247 101,816,729
Other Income
Commission, exchange and brokerage 2,505,449 2,275,952
Profit/ (Loss) on sale of investments (net) 4,228,365 6,319,714
Profit/(Loss) on sale of land, building and other assets (net) -6,046 -3,841
Profit / (Loss) on exchange transactions (net) 454,342 330,424
Income by way of dividends etc from subsidiaries / companies and/or joint ventures abroad/ in India 19,237 37,914
Miscellaneous Income 4,433,862 3,553,822
TOTAL 11,635,209 12,513,985
Expenditure
Interest expended
On deposits 59,555,504 72,130,419
On RBI/inter bank borrowings 609,382 495,971
Others 4,399,234 5,106,739
TOTAL 64,564,120 77,733,129
Operating expenses
Payments to and provisions for employees 15,874,971 14,840,846
Rent, taxes and lighting 2,169,252 2,080,310
Printing and stationery 207,735 240,394
Advertisement and publicity 44,384 175,630
Depreciation on bank’s property 797,210 31,317
Directors fees, allowances and expenses 9,956 14,375
Auditor’s fees and expenses(including branch auditors)
119,997 140,323
Law Charges 189,831 148,130
Postage, telegram, telephones, etc 398,960 339,158
Repair and maintenance 471,397 337,912
Insurance 1,153,521 1,279,203
Others 3,244,553 3,067,855
TOTAL 24,681,767 22,695,453
72g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ABRIDGED PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2018
ABRIDGED PROFIT & LOSS ACCOUNT
[ ` in ‘000’]
Period ended 31.03.2018
Period ended 31.03.2017
Provision and Contingencies
Provision for depreciation on Investment 2,037,871 3,342,163
Provision towards non-performing assets 42,818,036 24,577,458
Provision towards standard assets -1,586,447 511,083
Provision for Restructured Assets (including FITL) 133,546 -1,727,179
Others (excluding income tax) 96,095 -47,845
TOTAL 43,499,101 26,655,680
Total expenses and provisions 132,744,988 127,084,262
Profit/(loss)beforetax -31,787,532 -12,753,548
Current tax 0 649,300
Deferred Tax -12,556,000 -4,766,600
Profit/(Loss)aftertax -19,231,532 -8,636,248
Appropriations
Transfer to Statutory Reserve 0 0
Transfer to Other Reserves 0 0
Transfer to Government / proposed dividend 0 0
Balance Carried Over to Balance Sheet -19,231,532 -8,636,248
Attached Notes form an integral part of the Abridged Balance Sheet
Ramesh S. Singh Dr. Rajesh Kumar YaduvanshiExecutive Director Executive Director
Ashok Kumar Singh S. C. Murmu G GopalakrishnaDirector Director Director
Amit Chatterjee Dr. Yasho Verdhan Verma Rakesh KumarDirector Director Director
A Bhadra Pankaj Mittal Usha RaviAsst General Manager Dy. General Manager General Manager
for, Ramesh C Agrawal & Co for, ABP & Associates for, Kailash Chand Jain & Co for, Sarda & PareekChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
[R C Agrawal]Partner
Mem. No. 070229
FRN 001770C
[Prabhat Kumar Panda]Partner
Mem. No. 057140
FRN 315104E
[Sandeep K. Jain] Partner
Mem. No. 110713
FRN 112318W
[Niranjan Joshi]Partner
Mem. No. 102789
FRN 109262W
Place : MumbaiDate : 11.05.2018
73g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
NOTES TO THE ABRIDGED FINANCIAL STATEMENTS FOR THE YEAR ENDED ON MARCH 31, 2018
NOTES TO THE ABRIDGED FINANCIAL STATEMENTS
Ramesh S. Singh Dr. Rajesh Kumar YaduvanshiExecutive Director Executive Director
Ashok Kumar Singh S. C. Murmu G GopalakrishnaDirector Director Director
Amit Chatterjee Dr. Yasho Verdhan Verma Rakesh KumarDirector Director Director
A Bhadra Pankaj Mittal Usha RaviAsst General Manager Dy. General Manager General Manager
for, Ramesh C Agrawal & Co for, ABP & Associates for, Kailash Chand Jain & Co for, Sarda & PareekChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
[R C Agrawal]Partner
Mem. No. 070229
FRN 001770C
[Prabhat Kumar Panda]Partner
Mem. No. 057140
FRN 315104E
[Sandeep K. Jain] Partner
Mem. No. 110713
FRN 112318W
[Niranjan Joshi]Partner
Mem. No. 102789
FRN 109262W
Place : MumbaiDate : 11.05.2018
1. Basis of Preparation
The Abridged Financial Statements have been prepared on the basis of the audited financial statements of the Bank for the year ended 31st March, 2018 (herein referred to as ‘Annual Financial Statements’) pursuant to Rule 7A of the Companies (Central Government General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India vide its letter no. F.No. 7/116/2012-BOA dated August 1, 2012).
2. SignificantAccountingPolicies:
Significant accounting policies of the Bank are contained in Schedule 17 of the ‘Annual Financial Statements’
3. Notes to accounts and other disclosures are contained in Schedule 18 of the Annual Financial Statements.
74g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2018
CASH FLOW STATEMENT
[ ` in ‘000’]
Year ended 31.03.2018
Year ended 31.03.2017
A. CashflowfromOperatingActivities
(1)Netprofitaftertaxandextra-ordinaryitems -19,231,532 -8,636,248
(2) Adjustments for non cash items:
(Profit) / Loss on sale of Fixed Asset (Net) 6,046 3,841
Depreciation (Net of Revaluation Reserve) 797,210 31,317
Amortisation of Software Expenses 91,968 81,531
Amortisation of Premium Paid on Investment 731,282 621,465
Interest Paid on Long Term Loans 4,399,234 5,106,718
Provision and Contingencies (Other than Tax) 43,499,101 26,655,680
Provision for Tax (Incl Wealth Tax) -12,556,000 -4,117,300
Provision for Liabilities towards terminal benefits 502,900 76,300
Others
18,240,209 19,823,304
(3) Adjustments for (increase)/ decrease in Working Capital changes:
Investment 18,507,560 -49,073,703
Advances 26,565,006 73,726,686
Other Assets 5,031,000 992,512
Borrowings 251,233 -13,104,488
Deposits -78,126,250 -34,881,929
Other liabilities and provisions -7,356,899 3,791,840
Income Tax Refund /[Direct Tax Paid] -240,956 -171,402
Net Cash used in / generated from Operating activities -17,129,097 1,102,820
B. Cash Flow from Investing activities
Purchase of fixed assets including intangible -762,171 -532,210
Sale of Fixed Assets 9,170 17,245
Net Cash used in / raised from Investing activities -753,001 -514,965
Cash Flow from Operating and Investing Activities -17,882,097 587,855
75g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2018
CASH FLOW STATEMENT
[ ` in ‘000’]
Year ended31.03.2018
Year ended31.03.2017
C. Cash Flow from Financing activities
Issue of Equity Share (Incl Share Premium) 42,385,921 4,459,999
Share Application mony pending for allotment -7,923,292 7,923,292
Revenue Reserve deduction during the year 0 0
Bond Issued BASEL III Compliant AT-1 0 4,000,000
Bond payment Lower Tier-II 0 -3,000,000
Dividend and dividend tax paid 0 0
Basel III Compliant AT-1 Bonds (14000000) 0
Innovative Perpetul debt instrument(IPDI) (1250000) 0
Interest Paid on Long Term Loans -4,399,234 -5,106,718
Net cash used in / raised from Financing activities 14,813,395 8,276,573
NET INCREASE / (DECREASE) IN CASH & CASH EQUIVALENTS -3,068,702 8,864,428
OPENING CASH & CASH EQUIVALENTS 62,643,313 53,778,885
CLOSING CASH & CASH EQUIVALENTS 59,574,611 62,643,313
Ramesh S. Singh Dr. Rajesh Kumar YaduvanshiExecutive Director Executive Director
Ashok Kumar Singh S. C. Murmu G GopalakrishnaDirector Director Director
Amit Chatterjee Dr. Yasho Verdhan Verma Rakesh KumarDirector Director Director
A Bhadra Pankaj Mittal Usha RaviAsst General Manager Dy. General Manager General Manager
for, Ramesh C Agrawal & Co for, ABP & Associates for, Kailash Chand Jain & Co for, Sarda & PareekChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
[R C Agrawal]Partner
Mem. No. 070229
FRN 001770C
[Prabhat Kumar Panda]Partner
Mem. No. 057140
FRN 315104E
[Sandeep K. Jain] Partner
Mem. No. 110713
FRN 112318W
[Niranjan Joshi]Partner
Mem. No. 102789
FRN 109262W
Place : MumbaiDate : 11th May 2018
76g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Registration of E-mail ID with the Bank
(For shareholders holding shares in physical form)
The Company Secretary
Dena Bank, Investor Relation CentreDena Corporate Centre,C-10, G Block, Bandra Kurla ComplexBandra (East), Mumbai – 400 051.
Dear Sir,
I hereby request Dena Bank to register my following E-mail address for service of Notice of General Meetings, Audited Financial Statements, Directors’ Report, Auditors’ Report and other documents to me / us in electronic mode instead of physical mode:-
Folio No.
Full Name of First / Sole Shareholder*
Email ID (to be registered for the above purpose):
Mobile / Phone No.
Date: Signature:
*All fields are mandatory.
Note:
1. In case you are holding shares of the Bank in demat (electronic) form, the Bank proposes to send the aforesaid documents to you in electronic form, at the email address provided by you and which will be made available to us by your depository.
2. Shareholders are requested to keep the Bank informed of any change in their email ID, if shares are held in physical form and to their DP if shares held in demat (electronic) form.
77g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
NOTICE is hereby given that the Twenty Second Annual General Meeting of the Shareholders of Dena Bank will be held on Wednesday, 27th day of June, 2018 at 11.00 A.M. at Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Near Cooper Hospital, Juhu Vile Parle (West), Mumbai - 400 056 to transact the following business: -“To discuss, approve and adopt the Balance Sheet and Profit & Loss Account of the Bank, for the year ended 31st March, 2018, the report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditors’ Report on the Balance Sheet and Accounts.”
By Order of the Board of Directors for DENA BANK
Place: Mumbai (Amit Kumar)Date: 30 May, 2018 Company SecretaryNOTES:1. VOTING RIGHTS In terms of the provisions of sub-section (2E) of Section 3 of the
Act, no shareholder of the corresponding new Bank, other than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of 10 per cent of the total voting rights of all the shareholders of the Bank. In case of any amendments to the Act, Regulation Act, Scheme and Regulations which would result in change of any or part of the existing process as laid in this Notice, the amendment shall prevail.
Subject to the above, as per Regulation 68, each shareholder who has been registered as a shareholder on the Cut-off date, i.e. Wednesday, 20th day of June, 2018 shall have one vote on show of hands and in case of a poll shall have one vote for each share held by him.
As per Regulation 10 of the Regulations, if any share stands in the names of two or more persons, the person first named in the register shall, as regards voting, be deemed to be the sole holder thereof. Thus, if shares are in the name of joint holders, then first named person is only entitled to attend and vote in the meeting.
2. APPOINTMENT OF PROXY A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE
MEETING IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE INSTEAD OF HIM / HER. The proxy form, in order to be effective must be received by the Bank at the place specified in the proxy form, not later than FOUR DAYS before the date of the Twenty Second Annual General Meeting i.e. on or before the close of office hours on Friday, 22nd day of June, 2018.
3. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE No person shall be entitled to attend or vote at the meeting as a
duly authorized representative of a company or any body corporate which is a shareholder of the Bank, unless a copy of the resolution appointing him / her as a duly authorized representative, certified to be true copy by the Chairman of the meeting at which it was passed, shall have been deposited with the Company Secretary, Dena Bank, Investor Relation Centre, Dena Corporate Centre, 3rd Floor, C-10, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai- 400051 not later than FOUR days before the date of the Twenty Second Annual General Meeting i.e. on or before the close of office hours on Friday, 22nd day of June, 2018.
4. ATTENDANCE SLIP-CUM-ENTRY PASS For the convenience of the shareholders, Attendance Slip-cum-
Entry-Pass is annexed to this report. Shareholders / Proxy holders/ Authorised Representatives are requested to affix their signatures at the space provided therein and surrender the same at the venue.
Proxy / Authorised Representative of the shareholder should state on the Attendance slip-cum-entry pass as ‘Proxy’ or ‘Authorised Representative’ as the case may be. Entry to the venue will be permitted only on the basis of valid Attendance Slip-cum-Entry Pass.
5. BOOK CLOSURE The Register of the Shareholders and the Share Transfer Register
of the Bank will remain closed from Thursday, 21st day of June, 2018 to Wednesday, 27th day of June, 2018 (both days inclusive), for the purpose of Annual General Meeting.
6. DIVIDEND Board of Directors of the Bank has not recommended any dividend
to shareholders for the FY 2017-18.7. TRANSFERS Share Certificates in case of physical holding along with transfer
deeds should be forwarded to the Registrar & Share Transfer Agent of the Bank.
8. UNCLAIMED DIVIDEND, IF ANY The unclaimed / unpaid dividend for the financial years 1996 - 97
to 1999 - 2000, 2006 - 07 to 2009 - 10 have been transferred to Investor Education and Protection Fund (IEPF) established by the Central Govt. under Section 125 of the Companies Act, 2013.
Further, as per the Section 10B of the Banking Companies (Acquisitions and Transfer of Undertakings) Act, 1970, the amount of dividend remaining unpaid or unclaimed for a period of seven years from the date of transfer to the Unpaid Dividend Account will be transferred to IEPF.
Therefore, those shareholders who have not encashed their Dividend Warrants / received dividend for the financial years 2010-11 to 2014-15 are requested to contact the Registrar and Share Transfer Agent of the Bank for revalidation / issue of the duplicate dividend warrants.
The unclaimed / unpaid dividend for the financial year 2010-11 will be transferred to IEPF by July 24, 2018.
9. CHANGE OF ADDRESS Shareholders whose holding are in Electronic form are requested
to intimate changes, if any, in their registered address to their Depository Participant and not to the Registrar & Share Transfer Agents. Shareholders holding shares in Physical form are requested to intimate changes, if any, in their registered address, to the Registrar and Share Transfer Agents of the Bank at the following address:
M/s. Link Intime India Private Limited Unit: Dena Bank, C 101, 247 Park, L. B. S. Marg, Vikhroli (West), Mumbai, Maharashtra - 400083 Tel: 022 - 49186270 Tele- Fax: 022 - 49186060 E-mail: [email protected]. RECEIVE DOCUMENTS THROUGH E-MAIL BY REGISTERING
YOUR E-MAIL ADDRESS Regulation 36 of SEBI (LODR) Regulations, 2015 permits a
listed entity to send soft copies of the Annual Report to all those shareholders who have registered their email address for the purpose.
Further, as per Regulation 44 of SEBI (LODR) Regulations, 2015 remote e-voting process will be mailed to shareholders through e-mail.
Shareholders who have not yet registered their e-mail id are requested to register the same with our R&T Agent, if holding the Bank’s shares in physical form and with depository participant if holding the Bank’s share in electronic form, so that all such
NOTICE
78g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
documents can be served upon them henceforth in electronic mode at the said Email address. For the sake of convenience a format for intimating e-mail details is attached as a part of the Annual Report.
11. VOTING THROUGH ELECTRONIC MEANS Pursuant to Regulation 44 of SEBI (LODR) Regulations, 2015 read
with Rule 20 of Companies (Management and Administration) Rules, 2014; your Bank is pleased to provide Remote e-voting facility to enable shareholders to cast their votes electronically on the items mentioned in the notice for which Bank has appointed National Securities Depository Limited (NSDL) as e-voting agency to provide the e-voting platform. E-voting is optional. The E-voting rights of the shareholders / beneficiary owners shall be reckoned on the equity shares held by them as on Wednesday, 20th day of June, 2018 being the Cut-off Date for the purpose. Shareholders of the Bank holding shares either in physical or in dematerialized form, as on the Cut-off Date, may cast their vote electronically.
The facility for voting shall be made available at the AGM and the members attending the meeting who have not cast their vote by remote e-voting shall be able to exercise their right at the meeting.
The members who have cast their vote by remote e-voting prior to the AGM may also attend the AGM but shall not be entitled to cast their vote again.
The instructions for Remote E-Voting are as under: Members are requested to follow the instruction below to cast their
vote through e-voting:a. Open the following URL for e-voting: https://www.evoting.nsdl.
com.b. Enter the login credentials i.e. user id and Password. Your user ID
is: EVEN (108405) + Folio No (If shares are held in physical mode)
/ DP ID + Client ID (If shares are held in demat mode). If you are already registered with NSDL for e-voting then you can use your existing User ID and Password for Login.
c. Member may obtain a User ID and password for casting his / her vote by remote e-voting by sending a request at [email protected] or by contacting NSDL at the toll free no.: 1800-222-990” providing the details such as Demat account no or Folio no, PAN no, etc.
NOTE: Shareholders who forgot the User Details/Password can use “Forgot User Details/Password?” or “Physical User Reset Password?” option available on www.evoting.nsdl.com.
d. After entering the details appropriately, click on “LOGIN”.e. Put User ID and Password and Click on login.f. If you are logging in for the first time, Password Change Menu
appears. Change the Password of your choice with minimum 8 digits / characters or a combination thereof. Please note the new Password for all the future e-voting cycles offered on NSDL e-voting Platform. It is strongly recommended not to share your Password with any other persons and take utmost care to keep your Password confidential.
g. Home page of “e-voting” opens. Click on “e-voting”: Active voting cycles.
h. Select “EVEN (E-voting Event Number)” of DENA BANK. For an EVEN, you can login any number of times on e-voting platform of NSDL till you have voted on the resolution during the voting period.
i. Now you are ready for “e-voting” as “Cast Vote” Page opens.j. Cast your vote by selecting appropriate option and click “Submit”
and also “Confirm” when prompted.k. Upon confirmation, the massage “Voting cast successfully” will be
displayed.l. Kindly note that vote once casted cannot be modified.m. Institutional members (i.e. members other than individuals,
HUF, NRIs, etc.) are also required to send scanned copy (PDF/JPG format) of the relevant board resolution / authority letter,
etc. together with the attested specimen signature(s) of the duly authorized signatory(ies) who are authorized to vote, to the Scrutinizer through email at : [email protected] with a copy marked to [email protected]. You can also forward the documents at the Registrar’s e-mail id [email protected]
In case of any queries you may refer the Frequently Asked Questions (FAQs) for Shareholders and e-voting User Manual for Shareholders available at “downloads” section of https://www.evoting.nsdl.com or contact by email at [email protected] or contact Mr. Rajiv Ranjan, Unit: Dena Bank of M/s Link Intime India Private Ltd. on 022-49186000.
n. You can also update your mobile number and e-mail id in the user profile detail of the folio which may be used for sending future communication.
o. The remote e-voting period commences on Sunday, 24th day of June, 2018 (9.00 a.m.) and ends on Tuesday, 26th day of June, 2018 (5.00 p.m.). During this period, shareholders of the Bank holding shares either in physical form or in demateralised form, as on the cut-off date i.e. Wednesday, 20th day of June, 2018, may cast their vote electronically. The e-voting module shall be disabled by NSDL for voting thereafter. Once a vote is cast, the shareholder shall not be allowed to change or modify it subsequently.
p. The voting rights of the Shareholders shall be in proportion to their shares of the paid up equity share capital of the Bank as on the cut-off date.
q. Any person, who acquires shares of the Bank and become member of the Bank after dispatch of the notice and holding shares as of the cut-off date i.e. Wednesday, 20th day of June, 2018, may obtain the login ID and password by sending a request at [email protected].
r. However, if you are already registered with NSDL for remote e-voting then you can use your existing user ID and password for casting your vote. If you forgot your password, you can reset your password by using “Forgot User Details / Password” or “Physical User Reset Password?” option available on www.evoting.nsdl.com or contact NSDL at the following toll free no.: 1800-222-990.
s. The Bank has appointed M/s. S. N. ANANTHASUBRAMANIAN & Co., Company Secretaries as the Scrutinizer for conducting the e-voting process in a fair and transparent manner.
t. Those who do not opt for remote e-voting can cast their votes at the Voting to be conducted at the meeting on Wednesday, 27th day of June, 2018 as per the procedure stated in the Explanatory Statement section of this Notice.
The Results of the e-voting shall be declared on or after the AGM of the Bank. The Results declared along with Scrutinizer’s Report shall be placed on the Bank’s website i.e. www.denabank.com and on the website of NSDL i.e., https://www.evoting.nsdl.com within two days of the AGM of the Bank and also communicated to NSE/BSE.
12. Others:a. Please note that, as an Economy measure, copies of the Annual
Report will not be distributed at the Annual General Meeting. Hence, shareholders are requested to bring their copies of the Annual Report to the venue of the meeting.
b. Shareholders may kindly note that no gifts/ coupons will be distributed at the venue of the meeting.
c. Shareholders are advised to avoid bringing bags/ brief cases/ tape recorders, cameras etc. as these items are subject to a security check and may not be allowed at the venue.
By Order of the Board of Directorsfor DENA BANK
Place : Mumbai (Amit Kumar)Date : 30 May, 2018 Company Secretary
79g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
HeadOffice:Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.
FORM ‘B’FORM OF PROXY
(To be filled in and signed by the Shareholder)
Regd. Folio No.
(if not Demateralised)
DP ID No. No. of Shares
Client ID No.
(if Demateralised)
I / We ________________________________________ resident/s of _________________________________________________ in the district of _____________________in the state of __________________being a shareholder / shareholders of Dena Bank hereby appoint Shri / Smt. _____________________________________________ resident of ____________________in the district of _________________ in the state of __________________ or failing him, Shri/Smt _______________________________resident of _________________________in the district of ____________________ in the state of ____________________ as my / our proxy to vote for me / us and on my / our behalf at the Annual General Meeting of the shareholders of Dena Bank to be held on Wednesday, 27th June, 2018 at 11:00 A.M. at Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056 and at any adjournment thereof.
Signed this __________day of____________2018
__________________________________
Signature of first named / sole shareholder
Name: _______________________________________________
Address: _____________________________________________
________________ _____________________________________________________
Signature of Proxy _____________________________________________________
INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM1. No instrument of proxy shall be valid unless,
a) in the case of an individual shareholder, it is signed by him/her or his/her attorney, duly authorised in writing,b) in the case of joint holders, it is signed by the shareholder first named in the register or his / her attorney, duly authorised in writing,c) in the case of a body corporate, signed by the duly authorised representative or an attorney duly authorised in writing. It is to be noted that
a copy of the resolution appointing him/her as a duly authorized representative/ power to appoint a proxy, certified to be true copy by the Chairman of the meeting is to be attached
2. An instrument of proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his / her name, if his / her mark is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurances or other Government Gazetted Officer or an Officer of Dena Bank.
3. The proxy together witha) the power of attorney or other authority (if any) under which it is signed, orb) a copy of the power of attorney or authority, certified by a Notary Public or a Magistrate, should be deposited at the Head Office of Dena
Bank, Investor Relations Centre, Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai – 400 051 with the not less than FOUR DAYS before the date of the Annual General Meeting i.e. on or before the closing hours of the Bank i.e. 5:00 p.m. on Friday, 22nd June, 2018.
4. No instrument of Proxy shall be valid unless it is duly stamped.5. An instrument of proxy deposited with the Bank shallbeirrevocableandfinal.6. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.7. The shareholder who has executed an instrument of proxy shall not be entitled to vote in person at the Annual General Meeting to which such
instrument relates.8. No person shall be appointed as duly authorised representative or a proxy who is an officer or an employee of Dena Bank.
RevenueStampRe.1/-
80g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
HeadOffice:Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.
TWENTY SECOND ANNUAL GENERAL MEETINGDate: Wednesday, 27th June, 2018 at 11:00 A.M.
Place : Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056
ATTENDANCE SLIP(to be surrendered at the time of Entry to the Venue)
Name in Block Letters(Shareholder/Proxy/AR)
Number of Shares
Regd. Folio No.(If not demateralised)
DP ID & Client ID(If demateralised)
Signature of the Shareholder/ Proxy/Representative present
HeadOffice:Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.
TWENTY SECOND ANNUAL GENERAL MEETINGDate: Wednesday, 27th June, 2018 at 11:00 A.M.
Place : Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056
ENTRY PASS(to be retained throughout the meeting)
Name in Block Letters(Shareholder/Proxy/AR)
No. of Shares
Regd. Folio(If not dematerialized)
DP ID & Client ID(If demateralised)
Signature of the Shareholder/ Proxy/Representative present
Shareholders / proxy or authorised representative of shareholders are requested to produce the above attendance slip, duly signed in accordance with their specimen signatures registered with the Bank, alongwith the entry pass, for admission to the venue. The admission will, however, be subject to verification/checks, as may be deemed necessary. The entry pass – Ballot Paper Pass portion will be handed back to the shareholders/Proxy/Representatives, who should retain it till the conclusion of the meeting. The Ballot Paper Pass portion shall be surrendered to obtain Ballot Paper. Under no circumstances, any duplicate attendance slip- cum Entry pass-cum Ballot Paper Pass will be issued at the entrance to the meeting.
81g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
HeadOffice:Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.
TWENTY SECOND ANNUAL GENERAL MEETINGDate: Wednesday, 27th June, 2018 at 11:00 A.M.
Place : Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056
BALLOT PAPER PASS(to be surrendered to the Polling counters to get Ballot Paper)
Name in Block Letters(Shareholder/Proxy/AR)
No. of Shares
Regd. Folio(If not dematerialized)
DP ID & Client ID(If demateralised)
Signature of the Shareholder/ Proxy/Representative present
82g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
ECS MANDATE FORM
(For Payment of Dividend on Equity Shares held in Physical Form)(Please furnish the detail in Block Letters)
The Company Secretary
Dena Bank, Investor Relation CentreDena Corporate Centre,C-10, G Block, Bandra Kurla ComplexBandra (East), Mumbai – 400 051
Dear Sir,
FOLIO NO. :____________________
With reference to your Circular on ECS, I/We request you to remit dividend through the following method:
Direct credit to my Bank Account through Electronic Clearing Services
Bank Name
Branch Name & City Address
Telephone No.
Account No.
Account Type Saving( ) / Current( ) / Cash Credit ( ) / Overdraft ( )
Nine Digit Code Number of the Bank and Branch as appearing on MICR cheque issued by the bank
IFSC Code
(PLEASE ENCLOSE A CANCELLED CHEQUE OR PHOTOCOPY OF A CHEQUE)
First / Sole Shareholder’s Name:
Address:
Telephone No.: Mobile No.:
DECLARATION
I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete and incorrect information, I would not hold the Dena Bank responsible. I understand that the Bank also reserves right to send the dividend payable to me by a physical dividend warrant on account of any unforeseen circumstances beyond the control of the Bank, that affect the payment of dividend through ECS, the account details provided above may be incorporated in the payment instrument.
Yours faithfully,
Place:
Date: (Signature of the First / Sole Shareholder)
Note: Those shareholders who hold equity shares of the Bank in Demat form shall receive the dividend warrant / get credit of dividend amount through ECS or otherwise, as per bank account detail and address with their respective depositories.
83g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
{Q>ßnUr/Notes
84g§{já dm{f©H$ [anmoQ>© Abridged Annual Report 2017-18
Important NoticeShareholders are requested to visit Dena Bank website-www.denabank.com for the full version of Annual Report 2017-18.
Shareholders desirous of having a copy of the Bank’s Full Annual Report may send an email to [email protected] or a letter to The Company Secretary, Dena Bank, Dena Corporate Centre, Investor Relation Centre, C-10, G Block Bandra Kurla Complex, Bandra (East) Mumbai 400 051.
Shareholders holding shares in Demat form are also requested to update their Demat Accounts with their email ids and shareholders holding shares in physical form by letter to us, to receive notices, information etc. quickly through email.
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Head OfficeDena Bank
Dena Corporate Centre, C-10, G Block,
Bandra Kurla Complex, Bandra (East), Mumbai 400 051.