sbbj annual report 2008-09

8/9/2019 Sbbj Annual Report 2008-09

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d dh lH d ` View of the Meeting of the Board of Directors



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NOTICE

STATE BANK OF BIKANER & JAIPURHead Office, Tilak Marg, 'C'-SchemeJaipur-302 005

NOTICE is hereby given that the Forty Eighth Annual

General Meeting of the Shareholders of State Bank of

Bikaner and Jaipur will be held in the Birla Auditorium,

Near Statue Circle, Jaipur on Tuesday, the 2nd June,

2009 at 11.30 A.M. (Standard Time) to discuss and adopt

the Balance Sheet and Profit & Loss Account of the Bank,

the report of the Board of Directors on the working and

activities of the Bank and the Auditors' Report on the

Balance Sheet and Accounts for the period 1st April, 2008

to 31st March, 2009.

By Order of the Board

Jaipur Arun Shandilya

Dated: 24th April, 2009 Managing Director



mUufr dk ,d n'kd 2000&2009A Decade of Progress 2000-2009

(#- djksM+ es a )(Rs. in Crore)

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Indicators Capital & Total Operating Net Profit No. of Average Business Net Profit per

Reserves Business Profit Branches per Employee Employee

(Rs. In lakh )

ekpZ March 2000 523.12 14018 237.88 120.42 794 0.86 1.69

ekpZ March 2001 609.20 16065 268.30 105.37 799 1.05 0.77

ekpZ March 2002 752.11 17592 390.61 164.50 802 1.29 1.31

ekpZ March 2003 903.45 20391 440.85 203.28 804 1.46 1.63

ekpZ March 2004 1148.57 25457 681.35 301.52 812 1.70 2.44

ekpZ March 2005 1297.68 31294 729.64 205.65 824 2.20 1.69

ekpZ March 2006 1405.66 37790 481.03@ 145.03 832 2.77 1.20

ekpZ March 2007 1653.71 49246 679.20@ 305.80 844 3.56 2.57

ekpZ March 2008 1713.21 59427 661.18@ 315.00 850 4.45 2.73

ekpZ March 2009 2046.47 69312 892.84@ 403.45 860 5.55 3.55

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fo"k;&lw ph CONTENTS

mYys [kuh; rF; 03

Highlights 03

funs 'kd e.My 04

Board of Directors 05

funs 'kd e.My dk iz frosnu 06

Directors' Report 07

ckls y&II iz dVhdj.k 64

Basel-II Disclosures 65

rqyu&i=k 102

Balance Sheet 102

ykHk&gkfu [kkrk 104

Profit & Loss Account 104

vuqlw fp;ka 106

Schedules 106

iz eq [k ys [kk uhfr;ka 118Principal Accounting Policies 119

[kkrks a ij fVIif.k;k¡ 124

Notes on Accounts 125

ys [kk ijh{kdks a dk iz fros nu 154

Auditors' Report 155



mYys [kuh; rF; HIGHLIGHTS

(#- djksM+ es a )(Rs. in Crore)

2007-08 2008-09

oq Qy O;olk; vUrj&cS a d tekvks a lfgr Total Business including inter-bank deposits 59427 69312

tek jkf'k;k¡ Deposits 34108 39224

oq q Qy vfxz e Total Advances 25319 30088

vfxz e (fuoy) Advances (Net) 25076 29851

fuos 'k (fuoy) Investments (Net) 10498 10999

fuoy ykHk Net Profit 315.00 403.45

tekvks a dh ykxr Cost of Deposits 6.43% 6.72%

vfxz eks a ij vk; Yield on Advances 10.56% 10.98%

fuoy C;kt vUrj Net Interest Margin 2.88% 2.81%

iz nÙk iw ¡ th ,oa vkjf{kfr;k¡ Paid-up Capital & Reserves 1713.21 2046.47

iz fr va 'k vk; (#i;ks a es a ) Earning per Share (in Rs.) 630.00@ 80.69#

iz fr va 'k iq Lrd ew Y; (#i;ks a es a ) Book Value per Share ( in Rs.) 3426.42@ 409.29#

iw ¡ th i;kZ Irrk vuq ikr Capital Adequacy Ratio ckls y&I ds vuq lkj As per Basel-I 13.50% 13.18%

ckls y&II ds vuqlkj As per Basel-II 12.51% 14.52%

ykHkka 'k nj Dividend Rate 100% 120%

ldy xS j&fu"ikfnr vkfLr;ka Gross Non Performing Assets 437.31 490.33

ldy xS j&fu"ikfnr vkfLr;ka iz fr'kr Gross NPA % 1.73% 1.63%

fuoy xS j&fu"ikfnr vkfLr;ka iz fr'kr Net NPA % 0.83% 0.85%

iz kFkfedrk iz kIr {ks =k dks vfxz e Advances to Priority Sectors 10472 11758

Ñf"k {ks=k dks vfxz e Advances to Agriculture 4493 5134

y?kq m|ks x {ks =k dks vfxz e Advances to Small Scale Industries 2675 2819

y?kq O;olk; o vU; iz kFkfedrk {ks =k dks ½.k Advances to Small Business & Other Priority Sectors 3304 3805

fdlku Øs fMV dkMks Z a dh oq Qy la [;k Total number of Kisan Credit Cards 471340 562750

fu;kZ r foÙk Export Finance 1801 1738

'kk[kkvks a dh oq Qy la [;k Total number of branches 850 860

dksj cS a ¯dx 'kk[kkvks a dh la [;k Number of Core Banking branches 850 860

deZ pkfj;ks a dh la [;k Number of Employees 12161 12169

iz fr deZ pkjh vkS lr O;olk; Average Business per Employee 4.45 5.55

@ va fdr ew Y; #i;s 100@& Face value rupees 100/-

# va fdr ew Y; #i;s 10@& Face value rupees 10/-



funs 'kd e.My

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Shri O.P. BhattChairman

State Bank of India,Corporate Centre,

Madame Cama Road, Mumbai

Chairman, ex-officio under clause (a)

of sub section (1) of section 25 of the

State Bank of India (Subsidiary Banks)

Act, 1959.

BOARD OF DIRECTORS

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Shri Arun ShandilyaManaging Director

State Bank of Bikaner & Jaipur

Head Office, Tilak Marg, Jaipur

Nominated under clause (aa) of sub-

section (1) of section 25 of the Act.

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Shri Ramesh ChanderChief General Manager (Retd.)

Reserve Bank of India24, Akash Ganga Cooperative Group

Housing Society, Plot No. 3, Sector 56,

Sushant Lok-II, Gurgaon-122 003

Nominated by the Reserve Bank of

India under clause (b) of sub-section

(1) of section 25 of the Act.

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Shri Jiban GoswamiChief General Manager Associate Banks' Deptt.,

State Bank of India,

Corporate Centre, Mumbai

Nominated by the State Bank of India

under clause (c) of sub-section (1) of

section 25 of the Act.

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Shri S.A. ThimmiahDy. General Manager

Associate Banks' Deptt.,

State Bank of India,Corporate Centre, Mumbai




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Shri Sanjay BapnaHira Bagh, Ramsingh Road

Jaipur - 302 004




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Dr. Sanjiv Agarwal A-226, Shivanad MargMalviya Nagar, Jaipur

Elected under clause (d) of sub-


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Shri Amrik SinghUnder Secretary, Govt. of India,

Ministry of Finance, Deptt. of

Financial Services,Jeevan Deep Building,

Parliament Street, New Delhi

Nominated by the Central Government

under clause (e) of sub-section (1) of


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Shri Ashok Kumar Shukla

Special Assistant

State Bank of Bikaner & Jaipur

Birhana Road

Kanpur-208 001

Nominated by the Centre Government

under clause (ca) of sub-section (1)

of section 25 read with the sub-section

(2A) of section 26 of the Act.

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Shri Ratan Kumar Roongta61/45, Pratap Nagar,

Sanganer, Tonk Road,Jaipur - 302 030

Elected under clause (d) of sub-




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Shri O.P. BhattChairman

Jh v#.k 'kkf.MY; iz cU/ funs 'kd

Shri Arun ShandilyaManaging Director

funs 'kd e.My BOARD OF DIRECTORS

Jh jes 'k pUnzShri Ramesh Chander

Jh thcu xks Lokeh Shri Jiban Goswami

Jh ,l-,- fFkEeS ;k Shri S.A. Thimmiah

MkW - la tho vxz oky Dr. Sanjiv Agarwal

Jh vejhd fla g Shri Amrik Singh

Jh la t; ckiuk Shri Sanjay Bapna

Jh jru oq Qekj :a xVk Shri Ratan Kumar Roongta

Jh v'kks d oq Qekj 'kq Dyk Shri Ashok Kumar Shukla



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Hon'ble Chief Minister of Rajasthan Shri Ashok Gehlot visitingBank's stall during Stonemart Exhibition at Jaipur.

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The Board of Directors of State Bankof Bikaner and Jaipur have pleasure inpresenting this Annual Report togetherwith the audited Balance Sheet andProfit and Loss Account of the Bankfor the year ended 31st March 2009.

MANAGEMENT DISCUSSION

AND ANALYSIS

ECONOMIC ENVIRONMENT

WORLD ECONOMYThe year 2008-09 has been a year of

major turbulence in the global

economy triggered by the US sub-

prime crisis which gradually led to the

financial market crisis and culminated

into the overall economic crisis.

According to World Economic Outlook

(International Monetary Fund, April

2009), world output, which increasedby 5.2% in 2007 and 3.2% in 2008, is

expected to contract by 1.3% in 2009,

signalling the most severe recession

since the Second World War. India and

China continue to remain in the league

of the fastest growing nations in the

world. However, high volatility in global

equity, currency and commodity

markets, emerging threat of deflation

and deteriorating financial health of

large banking conglomerates in the

developed countries remain the major

areas of concern.

INDIAN ECONOMYThe Indian economy has also beenimpacted by the global economicslowdown. As per the estimates madeby the Central Statistical Organisation,India's GDP at 1999-2000 pricesrecorded a growth of 6.9% during April-

December 2008 compared to thegrowth of 9.0% in the correspondingperiod last year. Reserve Bank ofIndia has estimated a GDP growth of6.5-6.7% for 2008-09 and around6.0% for 2009-10. The Index ofIndustrial Production recorded agrowth of 2.4% during 2008-09,compared to 8.5% during theprevious year. The growth of core

infrastructure industries slowed to2.7% during 2008-09, compared to5.9% in the previous year.

The year 2008-09 has also witnesseda slowdown in international trade.India's exports recorded a growth of3.4% in US$ terms during 2008-09,while imports recorded a growth of14.3%. Foreign institutional investorshave withdrawn US$ 11.0 billion ofinvestments from Indian equity anddebt markets during 2008-09

compared to inflows of US$ 16.0 billionin 2007-08. This together with

appreciation of US$ against major

currencies has resulted in India's forex

reserves declining by US$ 57.7 billion

during 2008-09 to reach a level of US$

252.0 billion by end-March 2009.

With global decline in commodity

prices and a host of fiscal and

monetary measures taken by the

Government of India and Reserve Bank

of India, WPI inflation declined from a

13 year high level of 12.91% as on

August 2, 2008 to a three decade low

level of 0.26% by March 28, 2009. In

order to stimulate the slackening

growth in the Indian economy,

Government of India has announced

three fiscal stimulus packages

including cut in excise duty and service

tax rates, higher spending for

infrastructure and social sectors,

encouraging credit flow and attractingmore foreign investment.

REPORT OF THE BOARD OF DIRECTORS TO THE STATE BANK OF INDIA,THE RESERVE BANK OF INDIA AND THE GOVERNMENT OF INDIA

IN TERMS OF SECTION 43(1) OF THE STATE BANK OF INDIA

(SUBSIDIARY BANKS) ACT 1959

PERIOD COVERED BY THE REPORT: 1st

APRIL 2008 TO 31st

MARCH 2009

Camel Bank serving at a desert festival in Jaisalmer. tS lyes j ds e#&mRlo es a ls ok iz nku djrs gq , dS ey cS a dA



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cS a dks a dh cs a pekdZ ew y m/kj njs a ekpZ 2008 dh 12-25&13-50» ls c<+ dj] flrEcj 2008 esa 13-75&14-75» gks xb± rFkk vUr&ekpZ 2009 rd 11-50&14-00» jg

xb± A o"kZ ds nkS jku oS f'od ço fÙk ds vuq :i iw a ¡ th cktkj dq y feykdj eUn jgs A vUr&ekpZ 2009 dks ch,lbZ lw pdka d vUr ekpZ 2008

ds Lrj ls 37-9» fxjkoV ds lkFk 9709 ij cUn gq vkA

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i;kZ Irrk ds foos diw .kZ ekun.Mks a es a <hy ns uk rFkk la ihfM+ r vkfLr;ks a dh iq ul± jpuk lfEefyr gS a A o"kZ ds nkS jku 3-6 djks M+ fdlkuksa dks ykHkkfUor djrs gq, #i;s65]300 djks M+ dh ½.k ekiQh@½.k jkgr

jkf'k okyh d f"k ½.k ekiQh ,oa ½.k jkgr ;kstuk] 2008 fØ;kfUor dh xbZ A

lEHkkouk,a ] pq ukS fr;k¡ ,oa ifjn ';

o"kZ 2009&10 gky dh vof/ ds vR;Ur pqukS rhiw .kZ o"kks± esa ls ,d jgus dh lEHkkouk gSA oS f'od eUnh vkS j foÙkh; vfuf'prrk dh i "BHkw fe es a foÙkh; fLFkjrk lfgr vkfFkZ d fodkl dh xfr cuk, j[kuk çeq [k pq ukS rh gSA vUrfje ctV 2009&10 es a Hkkjr ljdkj }kjk vFkZ O;oLFkk dks xfr ns us ds fy, [kpZ es a O;kid o` f¼ dh ?kks "k.kk dh xbZ gSA bu mik;ks a ls vk'kk gS fd Hkkjr 'kh?kz gh ldy ?kjs yw mRikn dh mPp o` f¼ ds ekxZ ij rs th ls vxz lj gks ik,xkA

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lwpuk çk S|k sfxdh] O;olk; çfØ;kvkmVlks fl± x] f'k{kk] rs y ,oa xS l {ks =kks a es a Hkh

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egÙoiw .kZ pq ukS fr;k¡ jgs a xhA

fuxe ifjpkyu

O;olk; fu"iknu

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m/kjdÙkkZ vks a dh la [;k 10 yk[k ds Lrj dks ikj dj xbZ gSA



RAJASTHAN ECONOMYGeographically spread over 3.42 lakhsq. kms, Rajasthan is the largest Statein the country. During 2008-09, theGross State Domestic Product at 1999-2000 prices is expected to record a

growth of 5.5% as against 7.1% in theprevious year. The growth rate ofagriculture, industry and servicessector in the State is estimated at 6.1%,3.2% and 6.6%, respectively during2008-09 as against 6.7%, 6.0% and8.1%, respectively during the previousyear.

DEVELOPMENTS IN THEFINANCIAL SECTOR

The year 2008-09 has been achallenging year for the banking sectorglobally. The first half of the financialyear was characterized by risingcommodity prices and monetarytightening measures to combatinflation while the second halfwitnessed severe liquidity crunchemerging out of the global financial

crisis. A host of measures were taken

by Reserve Bank of India to infuse

liquidity into the financial system.

Between October 2008 and March

2009, Repo rate has been reduced by

400 bp to 5.0%, Reverse Repo rate has

been reduced by 250 bp to 3.5%, CRR

has been reduced by 400 bp to 5.0%

and SLR has been cut by 100 bp to

24.0%. During 2008-09, the growth in

aggregate deposits of scheduled

commercial banks stood at 19.8%,lower than 22.4% growth in theprevious year. Advances growth alsomoderated to 17.3% as against 22.3%in the previous year.

Interest rates on deposits of majorpublic sector banks over one yearmaturity increased from 8.25-9.25% inMarch 2008 to 8.50-10.75% inDecember 2008 before moderating to7.50-9.25% by end-March 2009.Benchmark Prime Lending Rates ofmajor banks increased from 12.25-13.50% in March 2008 to 13.75-14.75%in September 2008 before softening to11.50-14.00% by end-March 2009.

Equity markets remained generallysubdued during the year in line with theglobal trend. As at end-March 2009,BSE Sensex closed at 9709, recordinga decline of 37.9% over end-March2008 level.

In addition to monetary policy easing,RBI has infused significant domesticand forex liquidity into the financial systemduring the second half of 2008-09. Thesemeasures included special refinancefacilities for banks, mutual funds, NonBanking Finance Companies andHousing Finance Companies; hike ininterest rate ceiling on FCNR(B) andNRE deposits; liberalization of ExternalCommercial Borrowings; andrelaxation of prudential norms for

capital adequacy and restructuring ofdistressed assets. The AgriculturalDebt Waiver and Debt Relief Scheme,2008 was implemented during the yearcovering 3.6 crore farmers with debtwaiver/debt relief amounting toRs.65,300 crore.

OPPORTUNITIES, CHALLENGES

AND OUTLOOK

The year 2009-10 is expected to be one

of the most challenging years in recenttimes. The foremost challenge is tomaintain the economic growthmomentum with financial stability in thebackdrop of global slowdown andfinancial turmoil. In the Interim Budget2009-10, Government of India hasannounced significant increase in itsexpenditure to provide impetus to theeconomy. With these measures, it isexpected that India would soon revertto the trajectory of high GDP growth.

The Government of Rajasthan has alsoproposed increase in expenditure byup to 0.5% of State GDP, which isexpected to improve demand. Withproximities to six major States of North,West and Central India, Rajasthan isfast emerging as a major investmentdestination. The state offers significantpotential in the areas of textiles, autoancillaries, handicrafts, mining andmineral based industries, gems andjewellery, tourism as also in the

upcoming areas of informationtechnology, business processoutsourcing, education, oil and gas.With the emphasis of the StateGovernment in improving infrastructureand promoting industrial development,the State is poised to grow rapidly,which augurs well for the Bank'sbusiness in the years to come.

The foremost challenge before theBank shall be to improve its marketshare both in the State of Rajasthanand on an all-India basis with emphasison stable and long term low-costdeposit base. Maintaining assetquality in the backdrop of economicslowdown, developing new productsand delivery channels, restructuring

business processes in the techno-driven environment, developingsophisticated risk managementsystems, maintaining net interestmargin, improving profitability throughnon-fund based business, furtherimprovement in customer services andadopting best Corporate Governancepractices would also remain importantchallenges before the Bank.

CORPORATE OPERATIONS

BUSINESS PERFORMANCE

The overall business of the Bank

(deposits plus gross advances)

reached a level of Rs.69,312 crore as

at end-March 2009 as against

Rs.59,427 crore as at end-March 2008,

recording a growth of Rs.9,885 crore

(16.6%). The total deposits increased

by Rs.5,116 crore (15.0%) to reach a

level of Rs.39,224 crore while gross

advances increased by Rs.4,769 crore

(18.8%) to reach a level of Rs.30,088

crore by end-March 2009. In line with the

continued rise in interest rates particularly

during the first half of 2008-09, the cost

of deposits of the Bank increased from

6.43% in 2007-08 to 6.72% in 2008-09

while yield on advances improved from

10.56% to 10.98%. The total number

of borrowal accounts of the Bank

crossed 10 lakh mark during the year.



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An Express Highway financed by the Bank in National CapitalRegion.

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TREASURY AND INVESTMENTS As a consequence of the global crisis,

the year 2008-09 witnessed sharp

outflows of investments by foreign

institutional investors which resulted in

a liquidity crunch and sharp decline in

the equity markets. Notwithstandingthe global financial crisis, the Bank by

and large maintained comfortable

liquidity position through deposit

accruals, issuance of Certificates of

Deposits and occasionally resorting to

special refinance facilities provided by

RBI. Besides actively participating in

the short term money markets, the

Bank selectively deployed funds in

Liquid Mutual Funds and traded in

Certificates of Deposits. Withuncertainties in the equity markets, the

Bank refrained from taking fresh

exposures in equities and mutual

funds, except taking some trading

calls. Government securities markets

provided good opportunity in the

second half of the financial year which

was effectively utilized by the Bank.

The Bank's net investments increased

from Rs.10,498 crore as at end-March

2008 to Rs.10,999 crore as at end-March 2009, recording a growth of

4.8%. The yield on investments

improved from 6.86% in 2007-08 to

6.90% in 2008-09.

FINANCIAL HIGHLIGHTS

NET INTEREST INCOMEThe Bank's gross interest incomeincreased from Rs.3052.02 croreduring 2007-08 to Rs.3810.28 croreduring 2008-09, recording a growth of24.8%. Interest expenditure increasedby 28.1% to Rs.2707.06 crore, asagainst Rs.2112.98 crore in theprevious year. The net interest incomerecorded a growth of 17.5% toRs.1103.22 crore, as against Rs.939.04crore in 2007-08. In line with theindustry trend, the net interest margindeclined from 2.88% in 2007-08 to2.81% in 2008-09.

NON INTEREST INCOMEThe non-interest income of the Bank

recorded a growth of 22.3% from

Rs.471.66 crore in 2007-08 to

Rs.577.05 crore during 2008-09. There

was good growth in Government

Commission income and profit onforex turnover besides better recovery

in written off accounts.

OPERATING EXPENSESThe operating expenses recorded a

growth of 5.1% from Rs.749.52 crore

in 2007-08 to Rs.787.44 crore during

2008-09. Of this, employee costs

increased by 3.1% to Rs.460.78 crore,

while other operating expenditure

increased by 8.0% to Rs.326.66 crore.

PROFITDuring 2008-09, the operating profit

increased to Rs.892.84 crore,

recording a growth of 35.0% as against

Rs.661.18 crore in the previous year.

The net profit recorded a growth of

28.1% from Rs.315.00 crore in

2007-08 to Rs.403.45 crore in 2008-09.

KEY FINANCIAL INDICATORSThe return on assets of the Bank stoodat 0.92% during 2008-09 as against0.87% in the previous year. The return

on equity improved to 19.71% as

against 18.39% in the previous year.

Earnings per share increased from

Rs.630.00 (per share of face value

Rs.100) in 2007-08 to Rs.80.69 (per

share of face value Rs.10) in 2008-09.

Book Value per Share improved to

Rs.409.29 (per share of face value

Rs.10) as against Rs.3426.42 (per

share of face value Rs.100) in the

previous year. As at end-March 2009,

the capital adequacy ratio of the Bank

stood at 13.18% and 14.52% as per

Basel I and II norms, respectively as

against 13.50% and 12.51% as per

Basel I and II norms, respectively as at

end-March 2008. This was well above

the RBI benchmark of 9%. Gross NPA

ratio improved from 1.73% as at end-March 2008 to 1.63% as at end-March

2009 while Net NPA ratio increased

An Educational Institute at Laxmangarh, Sikar financed bythe Bank.

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mUu;u ds fy, cS a d lrr~ ç;Ru'khy jgkA ubZ ifj;ks tukvks a ds ewY;ka du ,oa lewgu ij è;ku ds fUær djus ds fy, o"kZ 2008&09 es a ç/ku dk;kZ y; es a ,d ifj;ks tuk lk[k çdks"B dh LFkkiuk dh xbZA çdks"B }kjk o"kZ ds nkS jku #i;s 1]168 djks M+ jkf'k dh dqy 29 ifj;ks tuk;s a tk¡ ph @ew Y;ka fdr dh xbZ A

o"kZ ds nkS jku okf.kT; ,oa la LFkkxr [k.M

ds vUrxZ r cS a d us mPp ew Y; oxZ ds u;s xz kgdks a dks oq Qy #i;s 5]850 djksM+ ds ½.k LohÑr fd;s lkFk gh fo|eku xz kgdks a dh lk[k lhek;s a mudh vko';drkuq lkj c<+ kb± A orZ eku vkfFkZ d ifjn '; ds n` f"Vxr] cS a d us vxz lfØ; gks dj xz kgdks a dh vis{kkvks a ] Hkkjrh; fjT + koZ cS a d ds fn'kk funZ s 'kks a ,oa

cS a d ds ekun.Mks a ds vuq lkj] ;FkklEHko [kkrks a dh iqul± jpuk dh vko';drkvks a dh ifjiw frZ ds fy, xz kgdks a ls okrkZ yki fd,A

o"kZ ds nkS jku #i;s 256 djks M+ dh jkf'k ds18 mPp ew Y; okys [kkrks a dk iq ul± pj.k fd;k x;kA

mPp ykxr dh Fkks d tekvks a dk çfrLFkkiu

o"kZ 2008&09 ds nkS jku cS a d us mPp ykxr okyh Fkks d tekvks a dks rq yukRed :i lsvf/d fLFkjrk okyh oS ;fDrd [k.M tekvks a

ls çfrLFkkfir djus dk egÙoiw .kZ dk;Z

fd;kA mPp ykxr (dkMZ nj ls vf/d) okyh Fkks d tekvks a o tek çek.k i=kks a dk oq Qy tekvks a ls vuq ikr vUr&ekpZ 2008 ds 29-5» ls vUr&ekpZ 2009 dks 18-4» rd uhps yk;k x;kA

oS;fDrd cS a ¯dx

çHkkoh foi.ku] mÙke lsok ,oa xz kgdks a ds c<+ s fo'okl ds iQyLo:i oS ;fDrd [k.M tekvks a es a fiNys o"kZ dh #i;s 2]744

djks M+ (22-5») dh rq yuk es a o"kZ 2008&09 ds nkS jku #i;s 5]425 djks M+ (36-4») dh o` f¼ ntZ dh xbZ A ;g cS a d }kjk ntZ dh xbZ loZ dkyhu mPpre o f¼ gSA cS a d us nks u;s cpr cS a d mRikn ;Fkk xks YM* ,oa ^Mk;e.M* çkjEHk fd;s gS a tks fd fof'k"V cktkj [k.M gs rq yf{kr gS a A o"kZ ds nkS jku cktkj ifjn '; ds vuq lkj C;kt njks a es a le;≤ ij ifjorZ u fd;s x,A pkyw ,oa cpr tekvka s gs rq u;s xz kgd çkIr djus dh xfr es a lq èkkj ds fy, fo'ks "k tek la xz g.k vfHk;ku pyk;s x,A xr o"kZ ds 8-7 yk[k dh rq yuk es a o"kZ ds nkS jku cS ad }kjk fjdkW MZ la[;k es a 9-8 yk[k u;s cpr [kkrs [kks ys x,A bues a foÙkh; lekos 'ku ds mís '; ls ykxw dh xbZ ^ljy cpr [kkrk* ;kstuk es a [kks ys x;s u;s 2-1

yk[k [kkrs Hkh lfEefyr gS a A

o"kZ 2008&09 ds çFke v¼Z o"kZ es a ] C;kt njks a es a of¼ rFkk vkokl] vkWVkeks ckby rFkk miHkks Drk oLrq vks a ds {ks =kks a es a lkekU; eUnh ds dkj.k oS ;fDrd [k.M ½.kks a dh ekax esa deh jghA blds ckotwn o"kZ2008&09 es a oS ;fDrd [k.M vfxz eksa es a

xr o"kZ ds #i;s 444 djks M+ (9-8») dh o`f¼ dh rqyuk esa #i;s 563 djksM+(11-4») dh o f¼ gq bZ A o"kZ ds nkS jku



marginally from 0.83% to 0.85%. Theaverage business per employeeincreased to Rs.555 lakh during 2008-09as against Rs.445 lakh in the previousyear. The net profit per employeeimproved to Rs.3.55 lakh during2008-09, compared to Rs.2.73 lakhduring 2007-08. The averagebusiness per branch increased toRs.74.34 crore during 2008-09, asagainst Rs.61.22 crore in the

previous year.

DIVIDEND

The Bank has declared a dividend of120% (Rs.12 per share of face valueRs.10) for the year 2008-09, which ishigher than the dividend of 100%(Rs.100 per share of face value Rs.100)paid for the year 2007-08.

CREDIT MANAGEMENT

The overall credit demand remained

subdued during 2008-09 in line with the

economic slowdown. Nevertheless,

the Bank continued to focus on

qualitative credit growth and faster

credit delivery with special emphasis

on agricultural sector and Small &

Medium enterprises (SMEs) while large

corporates were targeted to generate

qualitative volume growth.

The Bank's Commercial & Institutional(C&I) segment advances (other thanfood credit) registered a growth ofRs.3,225 crore (27.5%) while non-C&Isegment comprising personalsegment, small business andagriculture advances increased byRs.1,128 crore (8.7%) during 2008-09.The impetus of financing remainedmainly towards infrastructuredevelopment such as power, roads,

ports, petroleum and telecom besidessectors such as steel, textiles,construction and non-banking financecompanies. A new and comprehensiveCredit Risk Assessment (CRA) modelhas been introduced during the yearand the Bank has been continuouslystriving for upgradation of portfolio riskrating so as to improve the overallasset quality.

A Project Finance Cell was set up atHead Office during 2008-09 to accord

focused attention on appraisal andsyndication of new projects. A total of29 projects amounting to Rs.1,168crore were appraised/ vetted by theCell during the year.

During the year, the Bank hassanctioned credit facilities aggregatingRs.5,850 crore to high value newcustomers under C&I segment besidesincreasing credit limits of the existingcustomers based on their

requirements. In view of theprevailing economic scenario, pro-active dialogue was initiated withcustomers with regard to theirexpectations from the Bank includingthe need for restructuring theaccounts wherever feasible as perthe RBI guidelines and Bank's norms. A total of 18 large value accountswere restructured during the yearinvolving an amount of Rs. 256 crore.

REPLACING HIGH COST BULK

DEPOSITS

The Bank has undertaken a majorexercise of replacing high cost bulkdeposits by a relatively more stablepersonal segment deposits during theyear 2008-09. The ratio of high cost(over card rate) bulk deposits andCertificates of Deposits to totaldeposits was brought down from29.5% as at end-March 2008 to 18.4%as at end-March 2009.

PERSONAL BANKING

With aggressive marketing, betterservices and increased customerconfidence, personal segment

deposits recorded a growth ofRs.5,425 crore (36.4%) during 2008-09as against the growth of Rs.2,744 crore(22.5%) in the previous year. This wasan all time high growth recorded by theBank. The Bank introduced two newsavings bank products viz. 'Gold' and'Diamond' targeting specific marketsegments. Interest rates were revisedperiodically during the year in line withthe market scenario. Special depositmobilization campaigns were launchedfor improving the pace of acquiringnew customers both for savings andcurrent deposits. During the year, theBank opened a record number of 9.8lakh new savings deposit accounts asagainst 8.7 lakh accounts in theprevious year. These include 2.1 lakhNo Frills Accounts under "Saral BachatKhata" Scheme launched for thepurpose of financial inclusion.

The year 2008-09 was characterized bysoftening of demand of personal

A Special Economic Zone at Jaipur financed by the Bank. cS a d }kjk foÙk&iks f"kr t;iq j dk ,d fo'ks "k vkfFkZ d {ks =kA



^,lchchts Lis'ky gks e yks u* ds uke ls ,d u;k ½.k mRikn tkjh fd;k x;k ogha cktkj dh vko';drkvks a dks è;ku es a j[krs gq , dkj] x` g] f'k{kk] cU/d] nksifg;k okgu rFkk oS;fDrd ½.k ;kstuk,a le;≤ ij la 'kks f/r dh xb± A o"kZ ds nkS jku f'k{kk ½.kks a dks vkW u ykbZ u Lohd fr çnku djus dh çfØ;k Hkh çkjEHk dh xbZ A oq Qy feykdj cS a d us yxHkx 1-19 yk[k u;s ½.k [kkrs [kks ys rFkk oS ;fDrd [k.M dh fofHkUu ;ks tukvks a es a #i;s 2]062 djks M+ ds ½.k forfjr fd;sA o"kZ 2008&09 ds nkS jku dkj ½.kks a vkS j f'k{kk ½.kks a es a Øe'k%53-8» vkS j 53-4» dh o f¼ ntZ gqbZ A

çkFkfedrk çkIr {ks =k ds ½.k

çkFkfedrk çkIr {ks =k ds vfxz e yxkrkj cS a d dh xfrfof/;ks a dk çeq [k tks j fn;k tkus okyk {ks =k jgk gS A vUr&ekpZ 2009 rd cS a d ds çkFkfedrk çkIr {ks =k ds vfxz e xr o"kZ ds #i;s 10]472 djks M+ ls c<+ dj #i;s11]758 djks M+ ds Lrj ij igq ¡ p x;s gS a A ;s

lek;ks ftr fuoy cS S a d lk[k dk 46-4» gS] tks fd Hkkjrh; fjT + koZ cS a d ds 40» ds ekud Lrj ls Åij gSA jktLFkku es a çkFkfedrk çkIr {ks =k ds vfxz eks a dk vuq ikr 67-7» ds

mPprj Lrj ij jgkA

es a 14-3» o f¼ ds lkFk #i;s 5]134 djks M+ gks x;k gSA viys [ku rFkk Ñf"k ½.k ekiQh vkS j ½.k jkgr ;ks tuk] 2008 ds vUrxZ r

çnku dh xbZ ½.k ekiQh ,oa ½.k jkgr ds dkj.k ;g o` f¼ nj de jghA Ñf"k ½.k (vkjvkbZ Mh,iQ fuos 'k lfgr) lek;ks ftr

fuoy cS a d lk[k dk 20-5» gks x;k gS] tks fd Hkkjrh; fjT + koZ cS a d }kjk fu/kZfjr 18» ekun.M ls vf/d gSA jktLFkku jkT; es a lek;ks ftr fuoy cS a d lk[k es a Ñf"k ½.kks a

dk Lrj blls Hkh vf/d 36-2» jgkA çR;s d xz keh.k o v¼Z'kgjh 'kk[kk }kjk vkS lru 100 u;s fdlkuks a dks tks M+ us ds

fu/kZ fjr y{; dh rq yuk es a cS a d }kjk o"kZ ds nkS jku çfr xz keh.k ,oa v¼Z 'kgjh 'kk[kk es a vkS lru 218 u;s fdlkuksa dks tks M+k x;kA cS a d }kjk o"kZ ds nkS jku 91]410 fdlku Øs fMV dkMZ (ds lhlh) tkjh fd;s x,] ftlls vUr&ekpZ 2009 rd tkjh fd;s x, fdlku Øs fMV dkMks ± dh oqQy la [;k 5]62]750 rd igq ¡ p xbZ A

Ñf"k ½.k ekiQh vkS j ½.k jkgr ;ks tuk] 2008

dsUæh; ctV 2008&09 es a dh xbZ ?kks "k.kkuq lkj] cS a d us Ñf"k ½.k ekiQh@½.k jkgr ;kstuk] 2008 dks liQyrkiwoZd fØ;kfUor fd;k gS A rn~ uq lkj y?kq ,oa lhekUr fdlkuks a dks fn;s x, ½.k] tks fd fnlEcj 2007 ds vUr rd vfrns ; Fks ] ekiQ fd;s

tk pqds gS a A vU; fdlkuks a ds fy, cS a d us

,deq 'r fuiVku ;ks tuk fØ;kfUor dh gS ftlesa fu/kZ fjr le;kof/ es a ½.k jkf'k dk 75» Hkq xrku djus dk oknk fd;s tkus ij 25» ½.k jkf'k dh jkgr nh xbZ gSA cS a d }kjk bl ;ks tuk ds fØ;kUo;u ls jktLFkku ds 2-4 yk[k ls Hkh vf/d Ñ"kd ykHkkfUor gq ;s gS a A ½.k ekiQh #i;s 402 djks M+ rFkk ½.k jkgr #i;s 277 djksM+ çnku dh xbZ gSA

dtZ dh vnyk&cnyh ;ks tuk Hkkjr ljdkj }kjk dh xbZ ?kks "k.kk ds vuq lj.k

esa ] cS a d us o"kZ 2008&09 es a d f"k lk[k dk 3» fdlkuks a ds dtZ dh vnyk&cnyh gs rq

½.k ns us ds fy, fu/kZ fjr fd;s tkus ds mís '; ls dtZ dh vnyk&cnyh ;ks tuk çkjEHk dh gS ] ftlls fd mUgs a lkgw dkjks a ds f'kda ts ls eqDr djk;k tk ldsA ;kstuk dsvUrxZ r o"kZ 2008&09 ea s 17000 ls vfèkd

fdlkuks a dks ykHkkfUor djrs gq,] #i;s

63 djks M+ ds fu/kZ fjr y{; dh rq yuk es a ] #i;s 65-61 djks M+ ds ½.k miyC/ djok dj cSa d ns 'k ds mu fxus pq us cS adks a esa lfEefyr gks x;k gS tks ;g miyfC/ çkIr dj lds gS a A

foÙkh; lekos 'ku

jktLFkku es a foÙkh; lekos 'ku ykxw djus esa cS a d vxz .kh jgk gS A cS a d us foÙkh; lekos 'ku ds vkca fVr y{;kuq lkj jktLFkku ds N%

Ñf"k

Ñf"k {ks =k dks vfxz e] cS a d dk ,d cgq r tksj ns us okyk {ks =k jgk gSA Ñf"k {ks =k es a foÙk dk çokg o"kZ 2006&07 ds #i;s1]320 djks M+ ls c<+ dj o"kZ 2007&08 es a

#i;s 1]970 djks M+ rFkk o"kZ 2008&09 es a #i;s 2]855 djks M+ gks x;k gSA Ñf"k es a cdk;k dk Lrj] vUr&ekpZ 2008 ds #i;s4]493 djks M+ ls c<+ dj] vUr&ekpZ 2009

Managing Director Shri Arun Shandilya addressing atInternational Literacy Day celebrations organized by the

Rajasthan Government.

va rjkZ "Vª h; lk{kjrk fnol ij jktLFkku ljdkj }kjk vk;ks ftr ,d lekjks g es a iz cU/ funs 'kd Jh v#.k 'kkf.MY; la cks f/r djrs gq ,A



segment loans due to rise in interestrates during the first half and generalslowdown in the housing, automobilesand consumer goods sectors. Despitethat, the growth of personal segmentadvances stood at Rs.563 crore(11.4%) in 2008-09 as against thegrowth of Rs.444 crore (9.8%) in theprevious year. A new loan product'SBBJ Special Home Loan' waslaunched during the year while theschemes for financing car, housing,education, mortgage, two wheeler andpersonal loans were modified fromtime to time keeping in view the marketdynamics. A system of on-line sanctionof education loans was also introducedduring the year. Overall, the Bankbooked around 1.19 lakh new

advances accounts and disbursedRs.2,062 crore under various loanschemes under the Personal BankingSegment. Car loans and educationloans recorded growth of 53.8% and53.4%, respectively during 2008-09.

PRIORITY SECTOR LENDING

Priority sector advances continued toremain the major thrust area of theBank's operations. As at end-March

2009, the Bank's priority sectoradvances increased to a level ofRs.11,758 crore as against Rs.10,472crore in the previous year. Thisconstituted 46.4% of the Adjusted NetBank Credit, which was above the RBIbenchmark of 40%. Priority sectoradvances in Rajasthan stood higher at67.7%.

AGRICULTURE

Lending to agriculture remains one ofthe major thrust areas of the Bank. Theflow of credit to agriculture increasedfrom Rs.1,320 crore in 2006-07 toRs.1,970 crore in 2007-08 and toRs.2,855 crore during 2008-09. Theoutstanding level of advances toagriculture reached a level of Rs.5,134crore as at end-March 2009, as againstRs.4,493 crore as at end-March 2008recording a growth of 14.3%. Thegrowth was lower due to write-offs and

reliefs/ concessions provided underthe Agriculture Debt Waiver and DebtRelief Scheme, 2008. Agriculture credit(including investments in RIDF)constituted 20.5% of the Adjusted NetBank Credit, which was above the RBIbenchmark of 18.0%. In the State ofRajasthan, the agricultural advancesstood even higher at 36.2% of the Adjusted Net Bank Credit. As againstthe stipulated target of adding 100 newfarmers on an average by each ruraland semi-urban branch, the Bankadded 218 new farmers per rural andsemi-urban branch during the year.The Bank issued 91,410 Kisan CreditCards (KCCs) during the year, takingthe total number of KCCs to 5,62,750as at end-March 2009.

AGRICULTURE DEBT WAIVER ANDDEBT RELIEF SCHEME, 2008

In terms of announcement made in theUnion Budget 2008-09, the Bank hassuccessfully implemented AgricultureDebt Waiver and Debt Relief Scheme,2008. Accordingly, the loans given tosmall and marginal farmers remainingoverdue as at end-December 2007have been waived. For other farmers,

the Bank has implemented One-timeSettlement Scheme whereby relief hasbeen provided for 25% of overduesupon commitment to pay the balance

75% within the time period prescribed.Implementation of this scheme by theBank has benefited more than 2.4 lakhfarmers in Rajasthan. The amount ofDebt waiver stood at Rs.402 crore andDebt Relief amount stood at Rs.277crore.

DEBT SWAP SCHEME

In pursuance of the announcementmade by the Government of India, theBank has introduced a Debt SwapScheme during 2008-09 with anobjective of earmarking 3% ofagricultural credit for giving loans fordebt swapping of farmers so that theycan be brought out of the clutches ofmoney lenders. As against the target

of Rs.63 crore, the Bank has providedan assistance of Rs.65.61 crore underthe Scheme during 2008-09 benefitingmore than 17,000 farmers, emergingas one amongst very few banks in thecountry to have achieved thisbenchmark.

FINANCIAL INCLUSION

The Bank has emerged as a frontrunner in implementing financial

inclusion in Rajasthan. The Bank hascompleted its allocated targets for100% financial inclusion in six districtsof Rajasthan viz. Rajsamand, Dausa,

Managing Director Shri Arun Shandilya giving a Debt WaiverCertificate to a farmer in terms of Agriculture Debt Waiver andDebt Relief Scheme, 2008.

o` Qf"k Í.k ekiQh vkS j ½.k jkgr ;ks tuk] 2008 ds rgr iz cU/ funs 'kd Jh v#.k 'kkf.MY; ,d o Q"kd dks ½.k ekiQh iz ek.k&i=k iz nku djrs gq ,A



ftyks a ;Fkk jktlea n] nkS lk] /kS yiq j] Mw ¡ xjijq ] >kykokM+ rFkk Jhxa xkuxj es a 'kr çfr'kr foÙkh; lekos 'ku iw .kZ fd;k gSA jktLFkku ds cS a d jfgr {ks =kks a es a fuokl dj jgs yks xks a ds ^uks fÚy* cpr [kkrs [kks yus gs rq cS a d us^,lchchts Vkbuh* uke ls ,d fo'ks "k

foÙkh; lekos 'ku dk;Z Øe vkjEHk fd;k gS A bl ;ks tuk es a bUgs a ck;kses Vª hd LekVZ dkWMZ miyC/ djk;s tk;s a xs vkS j cpr [kkrks a dsvfrfjDr vU; mRiknks a dks Hkh bu dkMks ± a

es a /hjs&/hjs tks M+ k tk;s xkA

ekbØks Øs fMV

cS a d us jktLFkku es a lokZ f/d la[;k es a Lo;a lgk;rk lew gks a dks lk[k&lEc¼ fd;k gSA ekpZ 2009 ds vUr rd cS ad }kjk

24]731 Lo; a lgk;rk le wgk s a dk s lk[k&lEc¼ dj mues a #i;s 118-88 djks M+ dk forj.k fd;k x;k gS ] bues a ls 22]434 [kkrs efgYkk ykHkkfFkZ ;ks a ds gS a ftuesa #i;s101-30 djks M+ dk forj.k fd;k x;k gSA

ukckMZ }kjk cS a d dks] jktLFkku jkT; es a ekbØks Øs fMV fu"iknu es a o"kZ 2004&05 ls2007&08 rd fujUrj çFke LFkku çnku

fd;k x;k gSA

lw{e] y?kq ,oa eè;e m|e ( ,e,l,ebZ)

,e,l,ebZ {ks =k Hkkjrh; vFkZ O;oLFkk dk egÙoiw .kZ la o` f¼ pkyd gS tks fd fofuekZ .k {ks=k mRikn es a 39» o Hkkjr ds fu;kZ r es a 33» dk Hkkxh gS rFkk ;g 1-28 djks M+ lsHkh vf/d m|eks a es a 3-1 djks M+ ls vf/d

yksxksa dks jkstxkj miyC/ djokrk gSA rn~uqlkj] cSad Hkh bl {ks=k dks mPp çkFkfedrk ns jgk gSA

,l,ebZ {ks =k ds fy, Hkkjr ljdkj }kjk vxLr] 2005 es a ?kksf"kr iS ds t ds vuq lkj

cS a dks a ls y?kq ,oa eè;e m|ks x {ks =k dks muds ½.k çokg dks 5 o"kZ (2005&06 ls2009&10) es a nks xq uk dj ns us dh vis{kk

dh xbZ FkhA bldh rq yuk es a cS a d us ,l,ebZ {ks=k es a ½.k çokg] ekpZ 2005 ds #i;s1]959 djks M+ ls ekpZ 2009 esa #i;s 4]015

djks M+ djrs gq ,] 4 o"kZ es a gh nks xq uk dj fn;k gS A cS a d us 1]985 u;s [kkrs [kksyus ds

y{; (5 u;s [kkrs çfr 'kgjh@v¼Z 'kgjh 'kk[kk) dh rq yuk es a o"kZ 2008&09 ds nkS jku 5]889 ubZ ,l,ebZ bdkb;ks a dks lgk;rk çnku dh gS A ,e,l,ebZ bdkb;ks a ij fo'ks "k è;ku ds fUær djrs gq , cS a d us 9 vxz .kh

ftyksa es a 10 lew gks a dks va xhd` r fd;k gSA

dq N le; ls ?kjs yw ,oa fu;kZ r {ks=k es a eka x dh deh ds dkj.k] ;s bdkb;k¡ cM+h dfBukb;ks a dk lkeuk dj jgh gS a A bu bdkb;ks a dh lgk;rk gs rq cS a d us C;kt nj es a Nw V les r dbZ jkgr ,oa lq fo/k;s a çnku dh gS a ] rkfd os vfr'kh?kz la dV ls mcj lds a A

o"kZ ds nkS jku y?kq ,oa eè;e miØeks a gs rq u;s mRikn ;Fkk ,l,ebZ dULVªD'ku bfDoies .V yks u] ,l,ebZ gs Yi] ,l,ebZ ds ;j rFkk ,lchchts gs fjVst çkW iVhZ yks u

vkjEHk fd;s gS a A ,l,ebZ bdkb;ks a }kjk nq dku fuekZ .k dks Hkh LfEefyr djus gs rq ,lchchts 'kkW ih ;ks tuk dks la 'kksf/r fd;k x;k gSA o"kZ 2008&09 ds nkSjku lw{e ,oa y?kq m|eksa dks cdk;k ½.k #i;s 203 djksM+ c<+dj #i;s 3,092 djksM+ ds Lrj ij igq¡p x;s gSa tks fd 7-0» dh o`f¼ n'kkZrs gSaA

ljdkj }kjk çk;ks ftr ;ks tuk,a

foÙkh; lekos'ku ds nkf;Ro dks iw jk djus gsrq q ljdkj }kjk çk;ksftr ;ks tukvks a ij vR;f/d è;ku ns uk cS a d dh çeq [k j.kuhfr;ks a

es a ls ,d jgh gSA yxkrkj 5 foÙkh; o"kks ± ls ç/kuea =kh jkstxkj ;kstuk ds va rxZr jktLFkku es a m|fe;ks a dks foÙk çnku djus es a cS a d çFke LFkku ij jgk gSA o"kZ ds nkS jku] Hkkjr ljdkj us ç/kuea =kh jks txkj ;ks tuk ds LFkku ij ,d ubZ ;ks tuk ;Fkk ç/kuea =kh jks txkj l tu ;ks tuk (ih,ebZ thih) ds :i es a çfrLFkkfir dh gSA fofHkUu

ljdkjh ;ks tukvks a dh] ekpZ 2009 ds vUr rd dh fLFkfr] bl çdkj gS%

;kstuk ykHkkfFkZ;ksa foÙk o"kZ dh la [;k ds nkS jku

Lohdr

½.k jkf'k (#i;s djks M+ esa )

ç/kuea=kh 189 8-35 jks txkj l` tu ;ks tuk (PMEGP)

Lo.kZ t;Urh 5201 32-67 xz ke Lojks txkj ;ks tuk

(SGSY)

Lo.kZ t;Urh 4249 11-73 'kgjh jkstxkj ;ks tuk (SJSRY)

efgYkk ykHkkfFkZ ;ks a dks ½.k

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fy, vkW uykbZ u cS a ¯dx lq fo/k 'kq # dh gS rFkk vkod çs "k.k gs rq [kkM+ h ns 'kks a es a fLFkr



Dholpur, Dungarpur, Jhalawar and SriGanganagar. The Bank has initiated aspecial financial inclusion programmeviz. 'SBBJ Tiny' entailing opening of 'no-frills' savings account of populationliving in unbanked areas of Rajasthan.The scheme envisages providingbiometrically enabled smart cards tothese people and gradually otherproducts would be added to thesecards in addition to savings accounts.

MICRO CREDIT

The Bank has credit linked the largestnumber of Self Help Groups inRajasthan. As at the end-March 2009,the Bank has credit linked a total of24,731 Self Help Groups with

disbursements of Rs.118.88 crore, outof which 22,434 accounts are ofwomen beneficiaries withdisbursements of Rs.101.30 crore.NABARD has ranked the Bank asnumber one in Rajasthan State for itsperformance under Micro Creditcontinuously from 2004-05 to 2007-08.

MICRO, SMALL AND MEDIUMENTERPRISES (MSME)

The main growth driver of the Indianeconomy, MSME sector accounts for39% of manufacturing sector output,33% of India's exports and providesemployment to more than 3.1 crorepersons in over 1.28 crore enterprises. Accordingly, the Bank has also beenaccording high priority to this area.

In terms of policy package ofGovernment of India announced in August 2005, the banks were expected

to double their credit flow to SMEsector within a period of 5 years (i.e.between 2005-06 and 2009-10). Asagainst this, the Bank has doubled thecredit flow to SME sector within 4 yearsfrom Rs.1,959 crore in March 2005 toRs.4,015 crore in March 2009. Asagainst the target of 1,985 new SMEaccounts (5 new accounts per urban/ semi-urban branch), the Bank hasassisted 5,889 new SME units duringthe year 2008-09. The Bank has

adopted 10 clusters in the 9 leaddistricts to pay special attention toMSME units. Of late, these units havebeen facing major constraints onaccount of slowdown of demand fromdomestic and export sectors. In orderto help these units, the Bank hasprovided reliefs and concessions,including in the matter of interest ratesso that they can tide over the crisis atthe earliest.

During the year, the Bank hasintroduced new products for SMEs viz.SME Construction Equipment Loan,SME Help, SME Care and SBBJHeritage Property Loan Schemes. TheSBBJ Shoppe Scheme has also beenmodified to include construction of

shops by SME units. The outstandingassistance to micro and smallenterprises has increased by Rs.203crore during 2008-09 to reach a levelof Rs.3,092 crore, recording a growthof 7.0%.

Government sponsored schemes as atend-March 2009 is as under:-

Scheme Number of AmountBeneficiaries sanctioned

during thefinancial

year(Rs. crore)

Prime Minister's 189 8.35EmploymentGenerationProgramme(PMEGP)

Swarn Jayanti 5201 32.67Gram SwarojgarYojana (SGSY)

Swarn Jayanti 4249 11.73Shahri RojgarYojana (SJSRY)

LOANS TO WOMEN

BENEFICIARIES

As at end-March 2009, 1.36 lakhwomen have benefited from financialassistance under different schemes ofthe Bank with total outstanding ofRs.1303.06 crore, equivalent to 5.14%of the Adjusted Net Bank Credit, whichis above the 5% benchmark prescribedby RBI.

INTERNATIONAL BANKING

The Bank caters to the needs of

exporters, importers and Non-Resident

Indians (NRIs) through a network of 71

Authorised Category 'B' branches and

86 Category 'C' branches. The

category 'B' branches are equipped

with latest technology for real-timecommunication with the dealing rooms

at Kolkata and Mumbai with well

defined business continuity plans to

take care of any unforeseen

circumstances. The Bank maintains 19

NOSTRO accounts in all major

currencies and non-account

correspondent banking relationship

with all major banking groups in theworld. The Bank has introduced onlineremittance facility for NRIs and inward

GOVERNMENT SPONSOREDSCHEMES

Laying utmost emphasis onGovernment sponsored schemes hasbeen amongst the major strategies of

the Bank in pursuit of financialinclusion. The Bank has been holdingthe number one position in Rajasthanin financing entrepreneurs underPradhan Mantri Rozgar Yojana (PMRY)Scheme consecutively for the last 5financial years. During the year,Government of India has replaced thePradhan Mantri Rozgar Yojana with anew Scheme viz. Prime Minister'sEmployment Generation Programme(PMEGP). The position under various



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tks f[ke çcU/u

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A Resort at Pali financed by the Bank. cS a d }kjk foÙk&iks f"kr ikyh dk ,d fj”kkW VZ A



remittances are also facilitated throughtie-ups with Gulf based ExchangeHouses. The Bank has tied up withanother Exchange House during theyear taking the total number of sucharrangements to 7 and a few more arein the pipeline. The Bank alsoundertakes proprietary Forex trading totake the advantage of marketmovements.

During 2008-09, the Bank's NRIdeposits have increased to a level ofRs.813 crore, recording a growth of14.0% over the previous year. Themerchant turnover has increased by15.7% to Rs.14,818 crore as againstRs.12,803 crore in the previous year.The export credit remained sluggish

due to slowdown in exports and stoodat a level of Rs.1,738 crore as at end-March 2009. The Bank chairs the localchapter of Foreign Exchange Dealers' Association of India (FEDAI). TheBank has also been nominated to theManaging Committee of InternationalChamber of Commerce and is anactive member of Forex Associationof India and Clearing Corporation ofIndia.

INDUSTRIAL REHABILITATION

Rehabilitation/ restructuring ofpotentially viable industrial unitsremains an important thrust area of theBank. For the purpose, the Bank hasits own Industrial Rehabilitation Policyand Policy for sale of NPAs/ StressedFinancial Assets, which is updatedfrom time to time. Wherever it is foundthat the units are not viable or are notresponding to rehabilitation/ restructuring package, the focus is

shifted towards recovery of the Bank'sdues through legal recourse orcompromise settlement or sale offinancial assets by assignment of debtto Asset Reconstruction Companiesand where warranted, by initiatingaction under the SARFAESI Act.

As at end-March 2009, the Bank had14 large sick/ weak units on its bookswith aggregate outstanding ofRs.174.31 crore. There were 14

Corporate Debt Restructuring caseswith aggregate exposure of Rs.308.33crore and 11 BIFR cases with exposureof Rs.144.31 crore. The Bank has beenacting as the BIFR's Operating Agencyin 9 cases. During the year, 4 accountswith exposure of Rs.137.63 crore havebeen restructured under the CDRmechanism, as warranted by theglobal economic meltdown.

NPA MANAGEMENT

The Bank continues with its

multipronged strategy of controlling

Non-Performing Assets (NPAs) through

intensive monitoring of large value

accounts, close follow-up with DRT/

BIFR, restructuring of viable accountsand effectively utilizing the remedies

available under the SARFAESI Act.

Besides, the Bank resorts to outright

sale of un-productive assets to Asset

Reconstruction Companies in the

public and private sector on cash

basis. Due emphasis has been given

to follow up with the courts and filing

of Execution Petitions.

A special drive for NPA recovery and a

new compromise scheme viz. "VisheshRin Mukti Yojana" were launched duringthe year, the results of which were quiteencouraging. A separate template has

been developed on the Bank's intranetwebsite to monitor NPA and recoveryposition on a daily basis. Thedevelopments are reviewed by the topmanagement through regular video-conferencing with the zonal andregional offices. Besides, the Bank hasresorted to pre-emptive measuressuch as restructuring of loans in termsof the recent RBI guidelines andentering into compromise settlementwith the borrowers.

Gross reduction in NPAs during theyear 2008-09 was Rs.283.00 crore andafter accounting for the new additionsof Rs.336.02 crore, the gross and netNPAs of the Bank stood at Rs.490.33crore and Rs.252.94 crore respectively

as on 31.03.2009. In an importantachievement, the number of NPA freebranches increased from 70 as at end-March 2008 to 83 as at end-March2009. The Gross NPA ratio improvedfrom 1.73% as at end-March 2008 to1.63% as at end-March 2009. Net NPAratio of the Bank, however, increasedmarginally from 0.83% as at end-March2008 to 0.85% as at end-March 2009.

RISK MANAGEMENT

The Bank has a comprehensive RiskManagement System in place to dealwith various types of risks. The risk

An IT Hardware unit at Delhi financed by the Bank. cS a d }kjk foÙk&iks f"kr fnYyh dh ,d vkbZ Vh gkMZ os ;j bdkbZ A



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vkfLr ns ;rk çcU/u

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,oa 25 chihvkj çdks "Bks a dks lfEefyr



management function is overseen bythe Board of Directors through the RiskManagement Committee of the Board(RMCB). Besides, there are Credit RiskManagement Committee (CRMC), Asset Liability ManagementCommittee (ALCO), Market RiskManagement Committee (MRMC) andOperational Risk ManagementCommittee (ORMC) for formulatingand reviewing the risk managementpolicies and monitoring theirimplementation in the matters relatedto credit, market and operational risks.Zonal Risk Management Committees(ZRMCs) constituted at the ZonalOffices manage operational risk atbranches under their control. The Bankhas already migrated to Basel-II norms

w.e.f. March 31, 2008. The Capital toRisk Weighted Assets Ratio (CRAR) isalso being worked out as per theguidelines of Basel-II.

One of the important tools forassessing the Operational Risk is theRisk Control & Self AssessmentExercise (RCSA). The exercise hasbeen rolled out across the branches inphases with 54 and 100 branchescovered in the first and second phase,respectively, while the third phase is inprogress. An Operational RiskManagement Manual has beenprepared for the help of the operatingstaff.

In terms of RBI guidelines, the Bank isendeavouring to get the loans ofcorporate customers, with credit limitsof Rs.50 crore and above, rated by theexternal rating agencies. For thepurpose tie-up arrangements havebeen made with four reputed credit

rating agencies viz. CRISIL, ICRA,CARE and Fitch (India) Ltd. Stresstesting is being done regularly for bothcredit and market risks and the policiesrelating to such stress are updatedannually.

With all branches on Core BankingSolution (CBS), Credit InformationSystem (CIS) is being updated on anongoing basis. The Bank has directaccess to the CIBIL database which

have been allocated to a large numberof branches/ offices, enabling them togenerate Credit Information Report onborrowers / prospective borrowersfrom this database. An MIS website ismaintained by the Bank to provide easyaccess to the central database, whichis being extensively used by theoperating units. Various returns to besubmitted to regulatory agencies arenow being centrally generated at HeadOffice level, thus enabling branches tofocus more on business developmentand customer services.

ASSET LIABILITY MANAGEMENT

A comprehensive Asset LiabilityManagement (ALM) System is in place

for effective management of MarketRisk covering Liquidity Risk, InterestRate Risk and Foreign Exchange Risk.Liquidity and Interest Rate Risks aremeasured through Structural LiquidityReport and Traditional Gap Analysisrespectively. Both the risks on Foreign Assets & Liabilities are being monitoredthrough Maturity & Position (MAP) andSensitivity to Interest Rate (SIR)statements. The monitoring of liquidityon a dynamic basis over a time horizon

spanning 1-90 days is in place.Duration Gap analysis is also used tomanage Interest Rate Risk for the entireBalance Sheet. The Asset Liability

Management Policy coupled withInvestment Policy of the Bank specifiesvarious prudential l imits formanagement of Liquidity and InterestRate Risks. The Bank has beenconstantly monitoring these limits. Acomprehensive Contingency FundingPlan and a system of daily monitoringof inflows and outflows of deposits arein place for managing Liquidity on aday-to-day basis. Simulations likecalculation of Value at Risk (VaR) onForeign Exchange Forward Positionsand Stress Testing on Liquidity, Interestrate and Foreign Exchange Open &Forwards Positions have also beenundertaken during the year. Thestructural liquidity report is beingprepared and reviewed on a daily basis

as per the revised guidelines of RBI.Scenario analysis on market riskcovering events such as decline instock markets, rise in bond yields andforeign exchange rate movement havebeen commenced during the year asper revised Stress Testing Policy of theBank.

INTERNAL CONTROL, INSPECTIONAND AUDIT

The Bank has in place a well-established independent audit systemand structure to ensure adequateinternal control for safe and sound

A Cement manufactur ing unit at Chunar (U.P.), financed by theBank.

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operations. Internal Audit is carried outunder Risk Focused Internal Audit(RFIA) as envisaged under the RiskBased Supervision structure of RBI withfocus on assessment of risk andinternal control mechanism.

The branches have been categorizedinto three groups as per risk perceptionand are subject to varying degrees ofaudit. During 2008-09, 703 branchesand 25 cells under Business ProcessRe-engineering (BPR) initiatives havebeen subjected to internal audit. Nobranch of the Bank remained overduefor audit as on 31.03.2009. 154branches covering 68.3% of advances,60.6% of deposits and 96.5% of thenon-fund based business of the Bank

have been placed under continuoussurveillance through concurrent audit.Besides, 12 Head Office Departmentsand 18 BPR cells have also beencovered by the concurrent auditsystem. IS audit cell is in place toconduct IS audits of major ITestablishments including Core Bankingproject, Zonal Computer Centres, etc.in accordance with RBI directives andBank's IT Security Policy.

As at end-March 2009, 99.4% of total

branches of the Bank were rated"Efficiently Run" or "Well Run".

RECONCILIATION OF INTER OFFICETRANSACTIONS

As per RBI guidelines, all the entriesneed to be reconciled within a periodof six months from the date of theirorigin. By end-March 2009, the Bankhad reconciled inter-branchtransactions originated upto

31.12.2008 i.e. well before the time limitprescribed. The Bank is committed toperform better than the target set byRBI and shall aim at reconciling allentries within two months of their origin.

INFORMATION TECHNOLOGY

CORE BANKING SOLUTION (CBS)The Bank has been amongst the firstfew public sector banks in the country

to have migrated all the branches toCore Banking Solution (CBS).Empowered with core banking, theBank has launched a number of valueadded services for the customers.During 2008-09, the Bank hasintroduced a bulk SMS facility, wherebycustomers are intimated about thedaily spot and forward rates for foreignexchange, equity market indices,prices of precious metals and crudeoil. This facility is also used forcommunicating new initiatives to thecustomers. Toll free Helplines continueto be in operation to satisfy customers'queries and to render better services.

AUTOMATED TELLER MACHINES(ATMS)The Bank has installed 89 newnetworked ATMs during the year totake the total tally of ATMs to 495.These include one mobile and fivebiometric ATMs. In accordance withRBI guidelines applicable w.e.f. April 1,2009, 21 lakh cardholders of the Bankcan now also access ATMs of all otherbanks through out India, free of charge.

INTERNET BANKINGInternet banking facility for personal

and corporate customers is availableat all the branches of the Bank.

Looking to the rapid increase in the

usage of internet banking, the Bank

has introduced several new features

including online funds transfer facility

from one account to another within the

Bank or to any other bank. Online

payment of direct and indirect taxes

including income tax, service tax,

excise duty, customs duty, Value Added Tax and Central Sales Tax as

also the facility of e-refund for the

dealers of Commercial Taxes

Department, Government of

Rajasthan are available through

internet banking. Online booking of

railway tickets and electronic payment

of railway freight (E-Freight) are also

available. With addition of 15 more

billers, the customers of the Bank can

pay bills of 83 billers through internet

banking. The Bank has been

providing wide publicity for increasing

the usage of internet banking besides

increasing awareness amongst staff

and existing customers. During the

year, the Bank has launched a special

two month campaign to promote

internet banking amongst retail and

corporate customers, the response to

which has been very encouraging. A

total of 1.47 lakh accounts were added

to internet banking during 2008-09,taking the number of such accounts

to 1.79 lakh.

Managing Director Shri Arun Shandilya lighting a lamp at thelaunch of E-trade facility.

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E - TRADE FACILITYResponding to a long standingdemand of customers, the Bank hasintroduced an E-Trade facility during2008-09. Launched in association withSBI Cap Securities Ltd., this is a three-

in-one facility including a bank account,demat account and trading account.With the help of this facility, thecustomers can trade on-line in stockmarkets (cash and derivativesegments), invest in Initial Public Offers(IPOs) or mutual funds. Currently, thefacility is available at 14 branches in 9cities and is expected to be expandedto other branches in phases.

ELECTRONIC PAYMENT SYSTEMSThe Bank has taken various initiatives

to popularize Real Time GrossSettlement (RTGS) and NationalElectronic Fund Transfer (NEFT) whichenable customers to make their inter-bank remittances in a faster andsecured manner at a nominal costthrough any branch or through the

internet banking mode. The charges

for NEFT/ RTGS funds transfer have

also been brought down during the

year in accordance with the RBI

guidelines. Besides, the Bank has

introduced 'State Bank Group Payment'functionality for electronic funds

transfer within the State Bank Group

which is instantaneous and has a

simplified settlement process.

INFORMATION TECHNOLOGY &SYSTEMS SECURITYIn order to control the threats and risksassociated with IT enabled services,the Bank has a comprehensive IT andInformation Systems (IS) Security

Policy that addresses all theseconcerns including maintenance ofcustomers' confidentiality, security andintegrity of data. State Bank's datacentre where the Bank's CBS databaseresides (both Primary and DisasterRecovery Site) has already acquiredthe accreditation for the internationalstandard for Information SecurityManagement Systems ISO/IEC:27001: 2005. All the Bankingapplications have built-in security

features like access control, dataencryption and transmission throughsecured channels as per therequirement of the application. Thethreat of virus is minimized by havinga centralized anti-virus solution. Adequate Firewalls and Intrusion

Detection Systems are in place so asto prevent unauthorized access to thenetwork. The security of the networkis being managed by NetworkManagement Consultants of the Bank.The Disaster Recovery Plan (DRP) andBusiness Continuity Plan (BCP) for allthe branches are in place.

The Bank has taken steps to increasesecurity awareness amongst staff aswell as customers and to ensurecompliance of IT security. A detailedbooklet for guidelines on IT Policyand IS Security policy has beenprovided to all the branches andoffices. Sessions on InformationSecurity have been made a regularfeature in the training programmesconducted by the Bank at its stafftraining centres.

CUSTOMER SERVICE

The Bank had declared the year 2008-09as the "Year of Retail and Customer

Service". Accordingly, broad-basingthe clientele base and rendering betterservices remained a major thrust areaof the Bank. Providing Value AddedServices, leveraging core bankingtechnology and re-designing keybusiness processes in line with therequirements of the customers, havevastly helped in providing customersa highly satisfying banking experience.

The meetings of the Customer ServiceCommittee of the Board, Standing

Committee on Customer Service and

Head Office Customer Service

Committee were convened at regular

intervals to review the position of

customer service rendered. Similar

Committees have also been

functioning at branches and ZonalOffices which help in continuous

improvement in service standards. The

Bank is a member of the Banking

Codes and Standards Board of India

and has adopted a "Code of Bank's

Commitment to Customers" which sets

a framework for minimum standard of

banking services to be provided by the

banks.

DISCLOSURE OF COMPLAINTS/

UNIMPLEMENTED AWARDS OFBANKING OMBUDSMEN

In terms of RBI circular DBOD. No. LegBC.60/09.07.005/2006-07 dated22.02.2007, the information in respectof customer complaints and awardspassed by Banking Ombudsmen isgiven in the Table below:-

A. Customer Complaints

(a) No.of Complaints pending 49at the beginning of the year

(b) No. of Complaints received 1269

during the year(*)

(c) No. of Complaints redressed 1287

during the year(*)

(d) No. of Complaints pending 31

at the end of the year

(*) Excluding 764 complaints found

non-maintainable.

B.Awards passed by the Banking

Ombudsman

(a) No. of unimplemented –

Awards at the beginning

of the year

(b) No. of Awards passed by –

the Banking Ombudsman

during the year

(c) No. of Awards implemented –

during the year

(d) No. of unimplemented –

Awards at the end of the year



O;olk; çfØ;k iq u%vfHk;ka f=kdh

rsth ls cnyrs O;olk; ifjn`'; esa liQyrkiw oZ d lkea tL; LFkkfir djus vkS j ifjfLFkfr;ksa dks vius vuq dw y cukus rFkk O;olk; çfØ;kvks a dks vf/dkf/d l{ke cukus ds mís '; ls] cS a d us o"kZ 2004&05 esa O;olk; çfØ;k iqu% vfHk;kaf=kdh ifj;ks tuk dks ykxw fd;k] ftlds vUrxZ r pq us gq , ds Uæks a ij chihvkj miØe tS ls xz kgd fe=k] Mª kW ickWDl vkfn çkjEHk fd, x,A o"kZ 2005&06 ls 2007&08 ds nkS jku bu miØeks a dk nk;jk vU; ds Uæks a ij c<+ k;k x;k rFkk u, miØe ;Fkk fjys'kuf'ki çcUèkd (oS ;fDrd cS a dx)] eq æk ç'kklfud çdks "B] [kq njk vkfLr ds Uæh;Ñr çfØ;k ds Uæ] y?kq ,oa eè;e m|eh 'kgjh lk[k çfØ;k ds Uæ] [kq njk vkfLr ,oa y?kq m|eh lk[k ds Uæ] O;kikj foÙk dsUæh;Ñr çfØ;k ds Uæ] cgq mRikn foØ; ny] ds Uæh;Ñr is U'ku çfØ;k ds Uæ] Ñf"k ½.k çfØ;k

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lEikfnr dh tkrh gS a ] rkfd 'kk[kk,¡ viuk è;ku foi.ku] fcØh rFkk vPNs ½.k çLrko

gLrxr djus es a yxk lds a A

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:i ls 'kgj dh 'kk[kkvks a ls lEcfU/r eè;e m|e [kkrks a dh ½.k vko';drk,a iw jh djrk gSA bl o"kZ es a ubZ vkj,e,ebZ

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lek'kks/u çdks "B 'kq : fd, x,A guq ekux<+vkS j lhdj ds Uæks a ij u, [kq njk vkfLr ,oa

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lek/ku ds Uæ vkjEHk fd, x,A blds lkFk vc cS a d esa 13 ds Uæks a ij ds Uæh;dr ½.k

çfØ;k dsUæ] 5 dsUæks a ij eq æk ç'kklfud çdks "B] 12 ds Uæks a ij foi.ku ny] 8 ds Uæks a ij ½.k olw yh çdks "B o 5 ds Uæks a ij lek'kks/u çdks "B gks x, gS aA fjys 'kuf'ki çcU/d (oS ;fDrd cS a ¯dx)] fjys 'kuf'ki çcU/d (eè;e m|e)] xz kgd fe=k* rFkk

Mª kW ickW Dl Øe'k% 19] 4] 380 vkS j 660 'kk[kkvks a es a LFkkfir gS aA

ds Uæh;Ñr çfØ;k ds Uæks a dh LFkkiuk ds lkFk ,s ls i "Bdk;kZ y;hu fØ;kdyki] tks fd xz kgdks Ueq [kh ugha gSa (tS ls eq æk çcUèku]

[kq njk vkfLr ,oa y?kq m|e ½.k çcU/u] pS dks a dk lek'kks/u] ,uih, dh olw yh] is a'ku Hkq xrku] O;kikj foÙk dk çcU/u] [kkrs [kks yuk vkS j uke;q Dr pS d&cq d tkjh djuk bR;kfn) 'kk[kkvksa ls mÙkjks Ùkj gVk, tk jgs gS a ] rkfd 'kk[kk,¡ viuk è;ku cS a d mRiknks a dh fcØh ,oa foi.ku ij ds fUær dj lds a A foi.ku nyks a us] viuh Hkw fedkuq lkj] uohu O;olk; vftZ r djus es a egÙoiw .kZ ;ks xnku fn;k gSA 'kk[kk es a vkxeu ds lkFk gh xz kgdksa dks O;fDrxr :i ls lEcks f/r dj] mUgs a viuh igpku dh vuq Hkw fr djokus

esa xz kgd fe=k fo'ks "k Hkw fedk vnk djrs gS a ] tcfd fjys 'kuf'ki çcU/d 'kk[kkvks a os Q ,d fo'ks "k oxZ os Q xz kgdksa dh t:jrks a dks iw jh djokus es a lkFkZ d ;ksxnku djrs gS a A

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foi.ku ,oa ls okvks a ds fy;s Li"V :i ls oxhZ Ñr LFkku miyC/ djokuk gSA 'kk[kk es a ços 'k djus okys xz kgd ij] xz kgd lEidZ vf/dkjh }kjk è;ku fn;k tkrk gS rFkk

'kk[kk es a xz kgdks a ds çokg dks dEI;w VjhÑr ia fDr çcU/ ç.kkyh }kjk fu;a f=kr fd;k tkrk gSA ,d fo'kq¼ :i ls iq u:Z ika fdr 'kk[kk es a ,Vh,e] ba Vjus V fd;ksLd rFkk cS a d ds fofHkUu mRiknks a ds ckjs es a vko';d tkudkjh o lkfgR;;qDr ,d Lo;a &ls oh ykW ch gks rh gSA vHkh rd cS a d dh 36

'kk[kk,¡ iq u:Z ika fdr dh tk pq dh gS a vkS j ç;kl gS fd vkus okys le; es a] pj.kksa es a iq u:Z ika fdr 'kk[kkvks a dh la [;k dks cgq xq f.kr fd;k tk,A

ijLij foØ;

cS a d dh xS j C;kt vk; dks c<+ kus ds fy, cS a d }kjk thou ,oa xS j thou chek] E;q pq vy dks "k ,oa ØsfMV dkMZ mRiknks a dk lrr~ :i ls çHkkoh foi.ku tkjh j[kk x;kA bl

Managing Director Shri Arun Shandilya presenting a donation

cheque for Chief Minister's Relief Fund for rehabilitation of Jaipurbomb blast victims to the then Chief Minister of RajasthanSmt Vasundhara Raje.

t;iqj es a ce foLiQks V ihfM+ rksa ds iq uokZl gs rq eq [; ea =kh lgk;rk dks "k

es a jktLFkku dh rRdkyhu eq [; ea=kh Jherh olq a /jk jkts dks lgk;rk jkf'k dk pS d iz nku djrs gq , iz cU/ funs 'kd Jh v#.k 'kkf.MY;A



BUSINESS PROCESS

RE-ENGINEERING

To successfully cope with and harnessthe fast changing business scenario,and make the business processes

more efficient, the Bank embarkedupon Business Process Re-engineering in the year 2004-05,starting with initiatives like `GrahakMitra' and Drop Boxes at select centres.In the years 2005-06 to 2007-08, thecoverage of these initiatives wasextended to more centres and newinitiatives like Relationship Manager(Personal Banking), Currency Administration Cell, Retail AssetsCentral Processing Centre, Small and

Medium Enterprises City Credit Centre,Retail Assets Small Enterprises CreditCell, Trade Finance Central ProcessingCentre, Multi Product Sales Team,Centralised Pension ProcessingCentre, Agri. Loan Processing Centre,Relationship Manager (MediumEnterprises), Stressed AssetsResolution Centre, CentralisedClearing Processing Centre andLiability Central Processing Centrewere launched. Some existing loanprocessing centres migrated to `end-state' where all activities pertaining toretail / small enterprises' loans likeprocessing, sanction, documentation,disbursement, soft recovery, storage of

documents, periodical inspections etc.are done at processing centres so thatbranches can focus more on marketing& sales and sourcing of proposals.

During 2008-09, a new sales-hub

model was introduced whereby

Relationship Manager (MediumEnterprises) (RMME) caters to theneeds of medium enterprises

associated with a cluster of branches

situated in a city. New RMME teamswere launched in Jaipur, Bhilwara and

Udaipur. New Multi Product Sales

teams were positioned in Delhi,Bhilwara, Ajmer, Sriganganagar,

Hanumangarh & Pali. During the year,coverage of Drop Boxes was extended

to 660 branches by introducing the

initiative in 170 more branchesincluding 107 rural branches. New

Clearing cells were set up at Bhilwara

and Kolkata. New RASECCs werelaunched at Hanumangarh and Sikar.

Similarly SARCs were set up at Kolkata,

Kota, Ajmer, Bhilwara andSriganganagar. With this, the Bank has

centralised loan processing cells at 13centres, Currency Administration Cells

at 5 centres, marketing teams at 12

centres, recovery cells at 8 centres and

clearing cells at 5 centres. RelationshipManagers (Personal Banking),

Relationship Managers (MediumEnterprises), `Grahak Mitra' and Drop

Boxes are in place in 19, 4, 380 and660 branches respectively.

The centralized processing centres areprogressively taking out back officefunctions (like cash management,management of retail and small

enterprises' loans, clearing of cheques,recovery of NPAs, pension payment,processing of trade finance, accountopening and issuance of personalizedcheque books, etc.) from thebranches, thereby enabling them toincreasingly focus on sales andmarketing. Marketing teams, by virtueof their dedicated role, have beguncontributing significantly towardsbringing fresh business. `GrahakMitra' plays a major role in addressing

the recognition needs of walk-in-customers, while RelationshipManagers cater to the needs of nichecustomers of branches.

Besides, the Bank has aggressivelytaken up branch re-designing as theculmination of all BPR initiatives. Theobjective is to allocate more space forcustomers with clearly demarcatedareas for sales & services backed byspecialized support systems in theform of various Centralized Processing

Cells / Centres. A customer enteringthe branch is attended to by aCustomer Relations Officer and theflow of customers to bank counters isregulated by computerized queuemanagement system. A typicalredesigned branch has an ATM, a self-service lobby with facilities like internetkiosk and brochures on Bank'sproducts. So far, 36 branches havebeen redesigned in this manner andthe endeavour is to multiply redesigned

branches in phases.

CROSS-SELLING

In order to augment non-interestincome, the Bank has continuedaggressive marketing of life and nonlife insurance, mutual funds and creditcard products. For the purpose, theBank has made tie up arrangementswith SBI Life Insurance Co. Ltd.,National Insurance Co. Ltd., SBI Mutual

Managing Director Shri Arun Shandilya, honouring the meritoriousperformers under cross selling activities.

iz cU/ funs 'kd Jh v#.k 'kkf.MY;] ijLij foØ; O;olk; ds {ks =k ds vUrxZ r mPp dk;Z fu"ikndks a dks lEekfur djrs gq ,A



mís '; ls cS a d us ,lchvkbZ ykbiQ bU';ks js Ul dEiuh fyfeVsM] us 'kuy bU';ks js Ul dEiuh fyfeVs M] ,lchvkbZ E;q pq vy iQ.M] fcjyk lu ykbiQ E;q pq vy iQ.M ,oa ,lchvkbZ dkM~ Z l ds lkFk xBcU/u fd;k gSA o"kZ ds nkS jku cS a d us ^,lchvkbZ ykbiQ ;w fuV fya DM pkbYM Iyku* ds foi.ku dk vfHk;ku pyk;k ,oa 15 gtkj ls vf/d ikW fyfl;ks a dh fcØh es a liQyrk iz kIr dhA ijLij foØ; xfrfof/;ksa ds }kjk o"kZ 2007&08 dh #i;s 9-00 djks M+ dh oq Qy vk; ds eq dkcys] o"kZ 2008&09 ds nkS jku #i;s12-02 djks M+ dh vk; vftZ r dh xbZ tks

fd 33-6» dh o f¼ n'kkZrh gSA

vo#¼ jkf'k ls lefFkZ r vkos nu

i=k ds ekè;e ls Hkq xrku dh i¼fr (,,lch,)

o"kZ ds nkS jku Hkkjrh; çfrHkw fr ,oa fofue; cks MZ (ls ch) us ,d iw jd çfØ;k ykxw dh gS] ftles a tek [kkrs ij xz g.kkf/dkj va du ds ekè;e ls lkoZ tfud fuxZ eks a es a vkos nu fd;k tk ldrk gS A cS aa d] ns 'k ds mu çFke pq fuUnk cS a dks a es a 'kkfey gS] ftldk uke lsch }kjk] vo#¼ jkf'k ls lefFkZr (,,lch,) vkosnu i=k ds fy;s] Lo;a

çekf.kr vfHk"kn~ cSadks a dh lwph esa 'kkfey fd;k x;k gSA rn~uqlkj] cSad esa ;kstuk ykxw dj nh xbZ gS ,oa çkjfEHkd

pj.k es a 7 'kk[kkvks a }kjk ;g lsok çnku dh tk jgh gSA

lkekftd ls ok cS a ¯dx

,d ftEesnkj dkW ikZs js V ukxfjd gksus ds

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guqekux<+ es a vketu ds fy, ,d lkoZ tfud m|ku fodflr djus gs rq lg;ks x fn;k x;kA blds vfrfjDr jktLFkku jkT; ØhM+k ifj"kn~ dks mHkjrs gq, uoksfnr f[kykfM+ ;ks a ds fy, xz h"e dkyhu [ksydwn çf'k{k.k f'kfoj gs rq foÙkh; lg;ks x çnku fd;k vkS j jkT; ds çfrHkkoku Nk=kks a dks udn iq jLdkj ,oa ,lchchts Vª kiQh çnku dj lEekfur fd;k x;kA

vYi la [;d leq nk;] detks j rFkk vuq lw fpr tkfr@vuq lw fpr tutkfr ds oxks ± dks lg;ks x

vYila [;d leq nk; ds dY;k.k ds dk;Z Øeks a ds vUrxZr jkstxkj ds vf/d volj miyCèk djkus ] lkekftd ,oa vkfFkZ d mRFkku gs rq fLFkfr es a lq /kj ykus ds mik; fd;s x;s gS a A vYi la [;d leq nk; es a O;kid igq ¡ p cukus gsrq cS a d us ,d y{; nf'kZ dk

(Roadmap) Hkkjrh; fjT + koZ cSad }kjk vfHkKkfur fo'ks "kdj vYi la [;d la ds fUær ftyks a @dLcks a ds fy, rS ;kj dh gSA ekpZ 2009 ds vUr rd 61]974 [kkrks a es a #i;s721-22 djks M+ ds ½.k bl oxZ dks çnku

fd;s x, gS a A ekg uoEcj 2008 es a vYi la [;d la ds fUær Jhxa xkuxj ftys es a ,d ubZ 'kk[kk [kks yh xbZ gSA

ekpZ 2009 ds vUr rd detks j oxZ ds5]46]674 O;fDr;ks s a dks a #i;s 3817-22 djks M+

dh lk[k lq fo/k çnku dh xbZ gSA ekpZ 2009 dh lekfIr ij detks j oxZ dks lgk;rk dk vuq ikr lek;ks ftr fuoy cS a d lk[k ds :i es a fiNys o"kZ ds 11-53» ls c<+ dj 15-07» gks x;k gSA ;g Hkkjrh; fjT + koZ cS S a d }kjk fu/kZ fjr 10» ds ekun.M ls vf/d gSA

ekpZ 2009 ds vUr rd vuq lw fpr tkfr@ tu tkfr ds 1]77]606 [kkrks a es a #i;s1305-31 djksM+ cdk;k FksA foHks nd C;kt Managing Director Shri Arun Shandilya donating a wheel-chair

to a poor and handicapped person. iz cU/ funs 'kd Jh v#.k 'kkf.MY; ,d xjhc rFkk fodyka x O;fDr dks ifg;s nkj oq QlhZ iz nku djrs gq ,A



Funds, Birla Sun Life Mutual Fund andSBI Cards. During the year, the Banklaunched a campaign for marketing of'SBI Life Unit Linked Child Plan andsuccessfully marketed over 15,000proposals. The total income fromcross selling activities increased fromRs.9.00 crore in 2007-08 to Rs.12.02crore in 2008-09, recording a growthof 33.6%.

APPLICATIONS SUPPORTED BYBLOCKED AMOUNT (ASBA)

During the year, Securities andExchange Board of India (SEBI)introduced a supplementary processwhereby application for public issuescan be made through marking of lienon the deposit account. The Bank hasbeen amongst the first few banks in thecountry whose name has beenincluded by SEBI in the list of SelfCertified Syndicate banks for Applications Supported by Blocked Amount (ASBA). Accordingly, thescheme has been launched in the Bankand is being offered through 7branches in the initial phase.

COMMUNITY SERVICES BANKING

As a responsible Corporate citizen, theBank continues to undertakecommunity based social activities suchas tree plantation, free medical campsincluding an acupressure camp, blooddonation camps, establishing waterhuts, sports competitions, adulteducation programmes, etc. Duringthe year, the Bank donated Rs.1 croretowards the Rajasthan Chief Minister'sRelief Fund for rehabilitation of victims

of bomb blasts in Jaipur besidesproviding medicines to the injuredpeople. Staff members also donatedone day's salary to Prime Minister'sNational Relief Fund for helping theflood affected people of Bihar. In aninnovative initiative launched during theyear, every branch of the Bank hasadopted one girl child each from a poorfamily with an objective of providingfinancial assistance for pursuingstudies in Government/ municipal

schools. The Bank provided financialsupport to the Eye Bank Society ofRajasthan and helped in collecting eyedonation pledge forms. On theoccasion of International Literacy Day,the Bank sponsored prizes awarded bythe State Government to individuals

doing excellent work for promotion ofliteracy. Assistance was provided to aGirls' School in Jaipur for constructionof amenities. Food and clothes wereprovided to "Rein Baseras" at Jaipur,Sri Ganganagar and Kota whileassistance was provided fordevelopment of a public park atHanumangarh. Besides, financialassistance was provided to StateSports' Council for organizing summersports' camp for grooming juniorsportspersons and meritorious

students were honoured by giving cashrewards and SBBJ Trophy.

ASSISTANCE TO MINORITYCOMMUNITIES, WEAKERSECTIONS AND SCHEDULED

CASTES/ SCHEDULED TRIBES

The programmes for minorities' welfareenvisage a fair deal to the minoritycommunities in terms of opportunities

for employment and socio-economicupliftment. The Bank has prepared aroad map for reaching out to minoritycommunities particularly in the minority

concentration districts/ towns identifiedby RBI. As at end-March 2009,assistance to these communities stoodat Rs.721.22 crore spread over 61,974accounts. A new branch has also beenopened in the minority concentrationdistrict of Sri Ganganagar in November2008.

Financing to weaker sections stood atRs.3817.22 crore benefiting 5,46,674persons as at end-March 2009. Theratio of assistance to weaker sectionsas a percentage of Adjusted Net BankCredit improved to 15.07% as at end-March 2009 compared to 11.53% in theprevious year. This was above thebenchmark of 10% prescribed by RBI.

As at end-March 2009, the outstanding

assistance towards Scheduled Castes(SCs)/ Scheduled Tribes (STs) stood atRs.1305.31 crore in 1,77,606 accounts. Advances under Differential InterestRate (DIR) Scheme stood at Rs.37.79crore benefiting 31,589 accounts.Following a meeting of Hon'ble UnionFinance Minister with Chief Executivesof Public Sector Banks, a target of29,630 DIR accounts was fixed for theBank. As against this, the Bankdisbursed 31,775 loans with credit

limits of Rs.38.33 crore.

Under Government sponsoredschemes viz. Swarn Jayanti Gram

Members of the Management Committee presenting a PrizeCheque to a girl adopted by the Bank on winning Gold Medal inthe National Volley Ball Tournament.

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nj (MhvkbZ vkj) ;ks tuk ds vUrxZ r 31]589 [kkrk/kfj;ks a dks ykHkkfUor djrs gq , vfxz eka s dk Lrj #i;s 37-79 djks M+ jgkA ekuuh; ds Uæh; foÙk ea=kh ds lkFk lkoZ tfud {ks=k ds cSa dks a ds eq [; dk;Zikydks a dh gq bZ cS Bd ds i'pkr~ ] cS a d ds fy, 29]630

foHks nd C;kt nj [kkrksa dk y{; fu/kZ fjr fd;k x;k FkkA blds fo#¼ cS a d us 31]775 ½.k [kkrks a es a #i;s 38-33 djks M+ ds ½.k forfjr fd,A

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;ks tuk (,lts ,lvkjokbZ )] LoPNdkj eq fDr ,oa iq uokZ l ;ks tuk (,l,yvkj,l) rFkk foHks nd C;kt nj (MhvkjvkbZ ) es a vuq lw fpr tkfr @vuq lw fpr tutkfr ½f.k;ks a ls #i;s1315-75 yk[k dh olwyh dh ekax dhA

blds fo#¼ #i;s 654-86 yk[k dh olwyh gq bZ tks fd eka x dh 49-8» jghA

ekxZn'khZ cS a d ;kstuk

cSad jktLFkku jkT; ds 9 ftyksa ;Fkk ckM+esj] chdkusj] guqekux<+] tSlyesj] tkyksj] ikyh] jktleUn] fljksgh o mn;iqj esa vxz.kh cSad dk mÙkjnkf;Ùo fuHkk jgk gSA cSad }kjk bu ftyksa esa Hkkjr ljdkj] jktLFkku ljdkj] ukckMZ ,oa vU;

fodkl'khy ,tsfUl;ksa dh xjhch mUewyu ;kstukvksa] fodkl ;kstukvksa ,oa okf"kZd lk[k ;kstukvks a dk fØ;kUo;u ,oa vuqoh{k.k fd;k tkrk gSA bu ftyksa esa

ifjpkfyr leLr cSadksa ds o"kZ 2008&09 ds #i;s 4]018 djksM+ ds okf"kZd lk[k ;kstuk ds fu/kZfjr y{; esa ls cSad dk fgLlk #i;s 1]068 djksM+ Fkk] ftlds fo#¼ cSad }kjk 31-03-2009 rd #i;s1]746 djksM+ dk fu"iknu fd;k x;k tks

y{; dk 163-5» jgkA xz keh.k fodkl ,oa Lojks txkj çf'k{k.k la LFkku (:Mls Vh)

xz keh.k cs jks txkj ;q odks a dks dk;Z es a n{k djus ds fy, cS a d }kjk ikyh ftys es a ^oqQ'kyrk ,oa m|ferk fodkl laLFkku (ls Mh)* dh LFkkiuk dh xbZ ftles a vEcq tk

lhes UV iQkmUMs 'ku dk lg;ks x çkIr gq vk ,oa chdkus j o fljks gh es a ^xz keh.k fodkl ,oa Lojkstxkj laLFkku çf'k{k.k dsUæ

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fdlku Dyc ,oa fdlkuks a dks çf'k{k.k

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fdlkuks a es a tkx:drk ykus ds fy, 348 fdlku çf'k{k.k dk;Z Øeks a dk vk;ks tu fd;k x;kA bu çf'k{k.k dk;Z Øeks a ls 14]311 fdlku ykHkkfUor gq ,A

{ks=kh; xz keh.k cS a d

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'kk[kk,¡ gS a A ,lchchts çk;ks td cS a d ds :i es a bl {ks =kh; xz keh.k cS a d dks çcUèkdh; lg;ks x rFkk iq ufoZ Ùk ds ekè;e ls fujUrj foÙkh; lgk;rk çnku dj jgk gSA vUr& ekpZ 2009 dks ,ethch xz keh.k cS a d dh

tek,¡ #i;s 1]578 djks M+] vfxz e #i;s1]138 djks M+ Fks rFkk o"kZ 2008&09 ds nkS jku #i;s 16-14 djks M+ dk dj&iw oZ ykHk vftZ r fd;kA Ñf"k ½.k ekiQh ,oa ½.k

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tcfd 17]489 fdlkuksa dks #i;s 34-52 djks M+ dh jkgr çnku dh xbZ A

'kk[kk foLrkj

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'kk[kk,¡ gS a A jktLFkku es a cS a d dk 'kk[kk ra =k 698 'kk[kkvks a ds lkFk leLr cS a dks a esa

lcls cM+ k gSA bues a ls 524 'kk[kk,¡ xz keh.k ,oa v¼Z 'kgjh {ks=kks a esa fLFkr gS a ftudh jkT; ds xz keh.k fodkl ,oa xjhch mUewyu dk;Z Øe es a egÙoiw .kZ Hkw fedk gSA

'kk[kk ifjos 'k

o"kZ 2008&09 ds nkS jku cSa d us 'kk[kkvksa os Q ifjljks a ds lkS a n;hZ dj.k dk dk;Z u;s fljs ls çkjEHk fd;k ftlls xz kgdksa dksvius dk;Z fu"iknu gs rq vf/d LFkku vkS j

lq fo/k çkIr gks ldsA o"kZ os Q nkS jku dq y 42 'kk[kk ifjljks a dk lkS an;hZ dj.k fd;k

x;kAWomen beneficiaries of financial inclusion initiatives of the Bankworking under National Rural Employment GuaranteeProgramme.

cS a d ds foÙkh; lekos 'ku mik;ks a ls ykHkkfUor efgyk,¡ ] jk"Vª h; xz keh.k jks txkj xkj.Vh dk;Z Øe ds rgr dk;Z djrh gq ;ha A



Swarojgar Yojana (SGSY), SwarnJayanti Shahri Rojgar Yojana (SJSRY),Scheme for Liberation andRehabilitation of Scavengers (SLRS)and Differential Interest Rate (DIR)Schemes, the total demands forrecoveries from SC/ ST borrowers wasmade at Rs.1315.75 lakh during theyear. Against this, the actual recoveriesstood at Rs.654.86 lakh, i.e. 49.8% ofthe demand made.

LEAD BANK SCHEME

The Bank has lead bank responsibilityin nine districts in the State ofRajasthan viz. Barmer, Bikaner,Hanumangarh, Jaisalmer, Jalore, Pali,Rajsamand, Sirohi and Udaipur. The

Bank has been implementing andmonitoring the annual credit plan andother developmental and povertyeradication schemes launched byGovernment of India, RajasthanGovernment, NABARD and otherdevelopmental agencies in thesedistricts. Out of the total Annual CreditPlan of Rs.4,018 crore for the year2008-09 set for all banks operating inthese nine lead districts, the Bank'sshare was envisaged at Rs.1,068

crore, against which the Bank'sperformance stood at Rs.1,746 croreas on 31.3.2009 recording anachievement of 163.5%.

RURAL DEVELOPMENT AND SELF

EMPLOYMENT TRAININGINSTITUTE (RUDSETI)

In order to impart job-oriented skills to

rural unemployed youth, the Bank hadset up a "Skill & Entrepreneurship

Development Institute (SEDI)" in PaliDistrict in association with AmbujaCement Foundation and two "RuralDevelopment and Self EmploymentTraining Institutes (RUDSETI)" atBikaner and Sirohi. During 2008-09,the Bank has set up three moreRUDSETIs in Hanumangarh,Rajsamand and Jaisalmer districts. Byend-March 2009, 1,732 candidateshave been trained at these institutesand with the help of this training, 1,169

candidates have been engaged invarious jobs.

KISAN CLUBS AND TRAINING TO

FARMERS

The bank formed 30 Kisan Clubsduring the year 2008-09. The 9 LeadDistrict Offices conducted 348 trainingprogrammes for farmers for providingawareness on latest technologicaldevelopments in agriculture,horticulture, dairy and vermiculture,etc. 14,311 farmers benefited fromthese training programmes.

REGIONAL RURAL BANK

The Bank has sponsored one RegionalRural Bank (RRB) viz. MGB GraminBank, Pali which was set up byamalgamation of erstwhile three RRBs.MGB Gramin Bank has a network of212 branches spread over 6 districtsviz. Pali, Jalore, Sirohi, Sriganganagar,Hanumangarh and Bikaner. SBBJ, asthe sponsor Bank, continues to providemanagerial support and financialassistance by way of refinance, etc. tothis RRB. As at end March 2009, MGBGramin Bank had deposits of Rs.1,578

crore, advances of Rs.1,138 crore andrecorded a profit before tax of Rs.16.14crore during 2008-09. Under the Agriculture Debt Waiver and Debt Relief

Scheme, 2008, MGB Gramin Bankwaived loans of 14,458 farmersinvolving an amount of Rs.32.43 crorewhile relief was provided to 17,489farmers for Rs.34.52 crore.

BRANCH EXPANSION

During 2008-09, the Bank hasopened 10 new fully computerizedbranches, taking the total number ofbranches to 860, comprising 849business branches, 8 servicebranches, 2 asset recovery branchesand 1 treasury branch. Of these,there are 290 rural branches, 241semi-urban branches, 160 urbanbranches and 169 metro branches.The Bank's network of 698 branches

in Rajasthan is the largest among allbanks. Out of these, 524 branchesare located in rural and semi-urbanareas, which play an important rolein rural development and povertyalleviation in the State.

BRANCH AMBIENCE

During the year 2008-09, the Bank

embarked upon a fresh exercise for

face-lifting of branches so that the

customers get adequate space andcomfort while transacting their

business. A total of 42 branches were

renovated during the year.

A branch in Delhi redesigned as per Business ProcessRe-engineering.

O;olk; izfØ;k iq u% vfHk;ka f=kdh ls iqu%:ika fdr fnYyh dh ,d 'kk[kkA



foÙkh; fu"iknu ,oa fo'ys "k.k iq jLdkj

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'ks [kkor }kjk çnku fd;k x;kA

oS f'od foÙkh; cz kUM~ l 2009

o"kZ ds nkS jku cz k.M iQkbus Ul ih,ylh }kjk

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ekuo la lk/u fodkl

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dh HkrhZ Hkh dh xbZ A

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la xBukRed ;ks tuk

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deZ pkjh dY;k.k

cS a d us viuk ldkjkRed #[k rFkk LVkiQ

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vkS |ks fxd lEcU/ cS a d es a yEcs le; ls vf/dkfj;ksa ,oa deZ pkfj;ks a es a lkS gknZ iw .kZ ,oa e/q j lEcU/ cus gq , gS a A lHkh Lrj ds deZ pkfj;ksa dh lfØ; Hkkxhnkjh ls s cS ad }kjk tkjh fofHkUu ;kstuk;s a a ,oa uohu xfrfof/;ka liQyrk iw oZ d ykxw gqbZ gS a A cS a d es a eq íks a dks la;q Dr ijke'kZ ,oa okrkZ yki }kjk fofHkUu ç'kklfud Lrjks a ij fuiVkus dh lq O;ofLFkr ,oa lr~ r ijke'kZ ç.kkyh dk;Z jr gSA

deZ pkjh@Js .kh oxZ deZ pkfj;ks a dk oxhZdj.k (31-03-2009 rd) ftues a ls

v-tk- v-t-tk lkekU; dq y efgyk;s a vYila [;d

vf/dkjh 812 402 3223 4437 198 76

fyfid 526 301 3815 4642 484 108

v/huLFk 415 261 1684 2360 316 83

va'kdkyhu 730 & & 730 & &

;ksx 2483 964 8722 12169 998 267



FINANCIAL PERFORMANCE ANDANALYSIS AWARD

In recognition of the best overallperformance in all categories andcorporate governance practices, the

Bank has been awarded with RCCIExcellence Award for best financialperformance and analysis in theState of Rajasthan. The Award,instituted by Rajasthan Chamber ofCommerce and Industry (RCCI), wasgiven to the Bank by Hon'ble ShriBhairon Singh Shekhawat, FormerVice President of India on September20, 2008.

GLOBAL FINANCIAL BRANDS 2009

During the year, the list of Top 500Global Financial Brands 2009 wasreleased by the Brand Finance Plc inassociation with UK's "The Banker"magazine. The Bank has also beenincluded in the list of world's top 500financial brands by value.

HUMAN RESOURCESDEVELOPMENT

The Bank's staff strength as on31.03.2009 was 12,169 employees. Ofthese, 2,483 (20.4%) belong toScheduled Caste (SC) and 964 (7.9%)belong to Scheduled Tribe (ST)categories. Reservation Policy hasbeen implemented in the Bank as perGovernment guidelines. The Bankpromoted 598 clerical staff tosupervising staff, while 473 clerks, 9Probationary Officers and 9 specialistcadre Law Officers were recruitedduring 2008-09.

The Bank has been according highpriority to training and sensitization ofstaff members to respond to thecustomers' expectations and delivermodern banking facilities in the techno-driven environment.

A total of 7,939 employees of allcategories, including 215 belonging tosponsored RRB, were provided trainingon various subjects relating to bankingand technology at all three Staff TrainingCentres (STCs) of the Bank during theyear. The Bank also provided pre-recruitment training to 424 SC/ STcandidates appearing in the written testfor recruitment of clerical and officercadres during the year. Besides, 49workshops/ seminars were organized

and 866 officials were deputed forspecialized training to apex traininginstitutions of repute.

During the year, the Bank conducted amassive exercise of internal masscommunication called "Parivartan"which was aimed at transformation ofthe Bank into a more customer friendly,business focused, modern andinclusive bank. The programmeinvolved organising 213 workshopscovering more than 8,500 employees

and was completed in 75 days.

ORGANISATIONAL PLANNING

In order to minimize the instances ofcustomer complaints and ensuringprompt redressal of grievances, theBank upgraded the Complaints Cell atHead Office into a full-fledged"Customer Grievances RedressalDepartment". The calendar of reviewssubmitted to Board/ Executive

Committee was streamlined to impartmore efficiency in the decision makingprocess. The discretionary powers ofChief Managers for advances to non-corporate borrowers and passingpowers of Probationary Officers and

Assistant Managers during theirprobation period for cash and transfertransactions were enhanced tofacilitate speedier service delivery tocustomers . During the year, thepositions of Regional Manager (Patna)and Chief Manager (Market Risk) werealso upgraded to Assistant GeneralManager incumbency.

STAFF WELFARE

The Bank continued its positive

approach and undertook staff welfareactivities like granting scholarship tothe meritorious wards of theemployees, providing free medicalconsultancy services at varioushospitals, insurance cover foremployees to the extent of Rs.5 lakh(Rs.10 lakh for accidental death) undergroup insurance scheme of SBI Lifeand waiver of housing loan of thedeceased employees to the extent ofRs. 2 lakh. The Bank has set up a new

holiday home at Bangalore apart fromexisting holiday homes at Jaipur, Mt. Abu, Manali, Mumbai, Goa, Delhi,Hardwar, Nainital, Katra and Udaipur.Various cultural and sports activitieswere organized during the yearincluding All India Football andKabaddi Tournament.

INDUSTRIAL RELATIONS

The Bank has for long been

maintaining harmonious and cordialrelations with both supervising as wellas workmen employees. Employeesat all levels, through activeparticipation, have enabled successfullaunch of various schemes andinitiatives. A well established and ongoing consultative machinery isfunctioning at various tiers of theadministration for resolving issuesthrough joint consultations andnegotiations.

Category of Break up of Employees (as on 31.03.2009) Out of which

SC ST General Total Women Minority

Officers 812 402 3223 4437 198 76

Clerical 526 301 3815 4642 484 108

Sub-Staff 415 261 1684 2360 316 83

Part-time 730 – – 730 – –

TOTAL 2483 964 8722 12169 998 267

Staff



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dh tkrh gSaA cSad us ^fOgfly Cyksoj ikWfylh* ds v/hu f'kdk;rsa ntZ djus ds ckjs esa Hkh fn'kkfunZs'k tkjh fd;s gSaA cSad esa [kjhn esa ikjnf'kZrk rFkk cSad lsok miHkksDrkvksa esa tkx:drk c<+kus dh

vko';drk ij cy nsus ds fy;s dsUæh; lroZ Qrk vk;ksx ds funZs'kkuqlkj foxr o"kks± dh Hkkafr] cSad }kjk uoEcj 2008 esa ^lroZ Qrk tkx:drk lIrkg* dk vk;kstu

fd;k x;kA

fgUnh dk ç;ks x

o"kZ ds nkS jku cS a d esa fgUnh ds çxkeh ç;ks x ij ppkZ djus ds fy, ç/ku dk;kZ y; jktHkk"kk dk;kZ Uo;u lfefr dh 8 cS Bds a

vk;ks ftr dh xb± A jktHkk"kk fu;e 1976 ds fu;e 10(4) ds vUrxZ r 857 'kk[kk,¡ @ dk;kZ y; vf/lw fpr gS a A bues a ls 702 'kk[kk,¡ @ dk;kZ y; fu;e 8(4) ds v/hu fofufnZ "V gS a tks fd cS a d ds dq y vf/lw fpr 'kk[kk@ dk;kZ y;ks a dk 82 çfr'kr gSA

cS a d esa jktHkk"kk vf/fu;e 1963 dh èkkjk] 3(3) dh n <+ rk ls vuqikyuk dh tk jgh

gSA ^dks j cS a fda x* lkW ÝVos ;j ij fgUnh es a dke fd;s tkus dh lq fo/k miyC/ djokbZ xbZ gSA Hkkjr ds ekuuh; jk"Vª ifr ds vkns 'kks a dh vuqikyuk lqfuf'pr djrs gq, ^;w fudks M* ç.kkyh ykxw dh xbZ gS rFkk

cS a d ds lHkh ,Vh,e f}Hkk"kh@f=kHkkf"kd Lo:i esa ifjpkfyr gS a A

^lalnh; jktHkk"kk lfefr dh rhljh mi lfefr* ds lnL;ks a us cS a d ds ç/ku dk;kZ y; dk fnuka d 15-10-2008 dks nkS jk fd;k rFkk fLFkfr dh leh{kk dh vkS j cS a d }kjk jktHkk"kk ds fØ;kUo;u es a fd;s x, ç;klks a dh Hkw fj&Hkw fj ç'ka lk dhA lfefr ds lEekfur lnL;ks a us bl lEcU/ es a cS a d dh fo'ks "k :i ls ljkguk dh fd muds fn'kk funZ s'kks a dh vuq ikyuk lq fuf'pr djrs gq, ç/ku dk;kZ y; ds 15 foHkkx rFkk lHkh va py dk;kZ y;ks a ds 8&8 foHkkx viuk leLr dk;Z fgUnh ea s dj jgs gS a A lalnh; jktHkk"kk

lfefr ds fujh{k.k dh J` a [kyk es a vkys [k ,oa lk{; milfefr us o"kZ ds nkS jku cS a d dh okjk.klh ,oa dks fPp 'kk[kkvks a ds jktHkk"kk dk;ks ± dh leh{kk djrs gq , ç'ka lk dhA

fnuka d 01 ls 14 flrEcj] 2008 rd fgUnh i[kokM+ k vk;ks ftr fd;k x;k ftlds nkS jku fofHkUu çfr;ks fxrkvks a dk vk;ks tu fd;k x;k vkS j fots rkvks a dks ikfjrks f"kd forfjr fd;s x,A jktHkk"kk uhfr ,o

ç;ks tuew yd fgUnh dk Kku djokus ds fy, o"kZ i;ZUr 35 dk;Z 'kkykvks a@çf'k{k.k dk;Z Øeks a dk vk;kstu fd;k x;kA LVkiQ çf'k{k.k ds Uæks a ij lHkh gs UMvkmV~ l f}Hkkf"kd gSa rFkk çf'k{k.k dk;Z Øe fgUnh vFkok feyh&tq yh Hkk"kk es a pyk;s tkrs gS a A o"kZ ds nkSjku jktHkk"kk fØ;kUo;u gsrq 872 'kk[kkvks a @dk;kZ y;ks a dk fujh{k.k fd;k x;kA o"kZ ds nkS jku fgUnh ds çxkeh ç;ks x es a o` f¼ djus ds fy, ç/ku dk;kZ y; jktHkk"kk Vª kW iQh ,oa va py jktHkk"kk Vª kW iQh çfr;ks fxrk,a vk;ks ftr dh xb± A

bys DVª ks fud lek'kks/u lsok

va 'k/kjdks a gs rq ftUgks a us bl lq fo/k ds miHkks x

dk fodYi pq uk gS ] 22 ds Uæks a ij bys DVª ks fud

lek'kks/u ls ok (bZ lh,l) ls ykHkka 'k Hkq xrku

dh lq fo/k çnku dh xbZ gSA ,s ls dsUæ gS a Managing Director Shri Arun Shandilya distributing sweaters tochildren of a school sponsored by Manav Seva Sangh, Vrindavan.

iz cU/ funs 'kd Jh v#.k 'kkf.MY; ekuo ls ok la ?k] o` a nkou }kjk la pkfyr cky fo|ky; ds Nk=kksa dks Los Vj iz nku djrs gq ,A



VIGILANCE ADMINISTRATION

Vigilance Administration is an integral

part of the management. Accordingly,

vigilance activities are being accorded

high priority in the Bank. Keeping in

view the paramount importance of

preventive vigilance, greater emphasis

is laid on the preventive measures

rather than detective and punitive

aspects of vigilance. Preventive

Vigilance Inspections, being carried out

by the Vigilance Department, help in

timely detection of frauds and in

plugging the loopholes in the systems

and procedures. They also create

awareness among the staff members

about certain vital systems andprocedures at the branches which help

them to thwart probable fraudulent

transactions. Complaints received in

the Vigilance Department are dealt with

expeditiously and in a professional

manner. In order to decide vigilance

angle, complaints received in the

Vigilance Department are put up to the

Internal Advisory Committee,

consisting of 3 General Managers.

Significant emphasis is laid on the

transparency in the tendering process(procurements of goods and services,

auctions, etc.) by the Bank. The

tenders issued by the Bank are

uploaded on the Bank's website as well

as Government of India's website. The

Bank has also issued guidelines for

lodging complaints under the "Whistle

Blower Policy". As in previous years,

the Bank celebrated 'Vigilance

Awareness Week' in the month of

November 2008, as per the guidelines

issued by the Central Vigilance

Commission to emphasize the need of

efficiency and transparency in

purchases and create awareness

among the users of the Bank's

services.

USE OF HINDI

The Head Office LanguageImplementation Committee held 8

meetings during the year to discuss the

progressive use of Hindi in the Bank.

857 Branches / Offices of the Bank

have been notified under rule 10 (4) of

the Official Language Rules 1976. Out

of these, 702 branches / offices are

specified under rule 8(4), whichconstitute 82% of total notified

branches / offices of the Bank.

Section 3 (3) of Official Languange Act,

1963 is being meticulously followed in

the Bank. Facility of Hindi version has

also been made available in the Core

Banking Software. In compliance of

the orders of the Hon'ble President of

India, "Unicode" system has been

implemented in the Bank and all the

ATMs are operated in bilingual/ trilingual manner.

Members of the 'Third Sub-Committee

of the Sansadiya Rajbhasha Samiti'

visited the Bank's Head Office on

October 15, 2008 and appreciated the

efforts made in the implementation of

the Official Language. Hon'ble

Members of the Committee specially

appreciated that in compliance of their

directions, 15 Departments of Head

Office and 8 Departments each in allthe Zones are working completely in

Hindi. In a series of inspections during

the year, Drafting and Evidence Sub-

Committee of the Sansadiya

Rajbhasha Samiti reviewed the Hindi

related work done by the Bank's

Varanasi and Kochi branches and

appreciated the same.

'Hindi Fortnight' was observed during

September 1-14, 2008, during which

various competitions were held and

prizes awarded to the winners. To

impart the knowledge of Official

Language Policy and job oriented

Hindi, 35 workshops/ training

programmes were organized. All

handouts are bilingual at Staff Training

Centres and training programmes are

conducted either in Hindi or in mixed

languages. During the year, 872

branches / offices were inspected for

implementation of the Official

Language. To increase progressive

use of Hindi, competitions for Head

Office Raj Bhasha Trophy and Zonal

Raj Bhasha Trophy were organised

during the year.

ELECTRONIC CLEARING SERVICE

Electronic Clearing Service (ECS)facility for payment of dividend to

shareholders is being extended in 22

Hon'ble Members of the Third Sub-Committee of the SansadiyaRajbhasha Samiti, launching the Bank's Rajbhasha Magazine'Upvan'.

la lnh; jktHkk"kk lfefr dh rhljh mi&lfefr ds ekuuh; lnL;ks a }kjk cS a d dh jktHkk"kk if=kdk ^miou* dk foeks pu djrs gq ,A



vkxjk] vgenkckn] cS a xyks j] p.Mhx<+ ] ps UubZ ]

dks;EcVwj] xkft;kckn] gSnjkckn] bUnkSj]

t;iqj] dkuiqj] dksydkrk] y[kuÅ]

yqfèk;kuk] eq EcbZ ] ukxiq j] ubZ fnYyh] iVuk]

iq .ks] lwjr] cM+ ks njk rFkk okjk.klhAva 'kks a dk fo[k.Mu

Hkkjrh; LVs V cS a d (leuq "ka xh cS a d fof/)

la 'kks/u vf/fu;e] 2007 es a va 'kks a ds va fdr

ew Y; #i;s 100 dks] tS lk Hkh fu.kZ ; gks]

de ew Y; bdkbZ es a fo[kf.Mr djus dk

çko/ku FkkA rn~ uq lkj] 20 vDVw cj 2008

ls cS ad 'ks ;j dks va fdr ew Y; #i;s 100 ls

#i;s 10 çfr va'k esa mi foHkkftr@ fo[kf.Mr dj fn;k x;k gSA

vads{k.k

Hkkjrh; LVs V cS a d us Hkkjrh; fjT + koZ cS a d dh lgefr ls o"kZ 2008&09 ds fy, ika p lunh ys [kkdkj iQeks ± ;Fkk eS llZ ch ,y vtes jk ,.M dEiuh] t;iq j_ eS llZ vks ih

ckxyk ,.M dEiuh] ubZ fnYyh_ eS llZ

,fy;kl tkW tZ ,.M dEiuh] dks fPp] eS llZ lh vkj es grk ,.M dEiuh] t;iq j ,oa eS llZ O;kl ,.M O;kl] eqEcbZ dks cS a d ds ds Uæh; lkafof/d vads{kdks a ds :i es a

fu;q fDr dk vuq eks nu fd;k gS A va ds{k.k ds nk;js es a 854 'kk[kk,¡ @ds Uæh;Ñr çfØ;k ds Uæ jgs tcfd o"kZ 2007&08 es a 833 'kk[kk,¡ @ds Uæh;Ñr çfØ;k dsUæ jgs FksA

mÙkjnkf;Ùo fooj.k funs 'kd&e.My ,rn~ }kjk mYys[k djrk gS fd%

i) okf"kZ d ys [ks rS ;kj djrs le; ys [kk ekudks a dk leq fpr vuq ikyu fd;k x;k gS vkS j mlls fopyu dh fLFkfr es a leqfpr Li"Vhdj.k fn;k x;k gSA

ii) mUgks a us ,s lh ys [kk uhfr;ksa dk p;u fd;k gS vkS j mUgs a fujUrj ç;ks x fd;k

gS vkSj ,sls fu.kZ; fy, gSa vkSj çkDdyu fd, gS a ] tks 31 ekpZ 2009 dks cS a d ds dk;Z dyki vkS j mDr fnuka d dks lekIr o"kZ gs rq cS a d ds ykHk ;k gkfu dh lgh ,oa fu"i{k fLFkfr n'kkZus ds fy, i;kZ Ir ,oa foos dlEer gS a A

iii) mUgks a us cS a d dh vkfLr;ks a dh j{kk dju s rF k k diV ,o a vU;

vfu;ferrk,¡ jks dus vkS j budk irk yxkus ds fy, cS a ddkjh fofu;eu vf/fu;e 1949 vkS j Hkkjrh; LVsV

cS a d (lg;ks xh cS a d) vf/fu;e 1959 ds çko/kuksa ds vuq lkj i;kZ Ir ys [kk

fjdkMZ vuq jf{kr djus gsrq leq fpr ,oa i;kZ Ir è;ku j[kk gS] vkS j

iv) mUgksaus okf"kZd ys[kksa dks orZekuvis{kkvksa ds vuq lkj rS ;kj fd;k gSA

dkW jiks js V vfHk'kklu dkW jiks js V vfHk'kklu dh fooj.kh la yXu gSA

vfHkLohd`fr

funs 'kd e.My ew Y;oku xz kgdks a ] çfrf"Br va 'k/kjdks a rFkk turk fo'ks "k ls çkIr la j{k.k

,oa muds }kjk cS a d ds çfr çdV fd;s x;s fo'okl ds fy, ÑrK gS ,oa funs 'kd e.My

blds fy, viuh Hkw fj&Hkw fj ç'ka lk vfHkfyf[kr djrk gSA funs 'kd e.My Hkkjr ljdkj]Hkkjrh; LVs V cS a d] Hkkjrh; fjT + koZ cS a d ,oa vU; fu;ked ,ts fUl;ks a dk] muds }kjk o"kZ

ds nkS jku fn;s x;s ew Y;oku lg;ks x ,o fn'kk&funZ s 'k ds fy, vkHkkj çdV djrk gSA

funs 'kd e.My cS a d dh lok±xh.k mUufr ds fy, lHkh LVkiQ lnL;ks a ds cgq ew Y; ;ks xnku] leiZ .k Hkkouk ,oa mudh xgu

yxurk ds fy, ,oa deZ pkjh ;w fu;u o vf/dkjh laxBu }kjk fuHkkbZ xbZ jpukRed Hkwfedk dh Hkwfj&Hkw fj ç'ka lk vfHkfyf[kr

djrk gSA

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

eq EcbZ v#.k 'kkf.MY;

fnukad% 23-04-2009 iz cU/ funs'kd



centres to shareholders who have

opted for the same. These centres are

Agra, Ahmedabad, Bangalore,

Chandigarh, Chennai, Coimbatore,

Ghaziabad, Hyderabad, Indore, Jaipur,

Kanpur, Kolkata, Lucknow, Ludhiana,

Mumbai, Nagpur, New Delhi, Patna,Pune, Surat, Vadodara and Varanasi.

SUB-DIVISION OF EQUITY SHARES

The State Bank of India (Subsidiary

Banks Laws) Amendment Act 2007

contained an enabling provision for

splitting the face value of share from

Rs.100 to such lower denomination as

may be decided. Accordingly, shares

of the Bank have been sub-divided/ split from Rs.100 to Rs 10 per share

w.e.f. October 20, 2008.

AUDIT

State Bank of India, with the

concurrence of the Reserve Bank of

India, approved the appointment of

five firms of Chartered Accountants

viz. M/s B L Ajmera & Co. of Jaipur,

M/s O P Bagla & Co. of New Delhi,

M/s Elias George and Co. of Kochi,

M/s C.R. Mehta & Co., of Jaipur and

M/s Vyas & Vyas of Mumbai as the

Bank's Statutory Central Auditors for

the year 2008-09. The scope of audit

covered 854 branches/ central

processing cells as against 833

branches/ central processing cells

covered in 2007-08.

RESPONSIBILITY STATEMENT

The Board of Directors hereby states:

i. that in the preparation of theannual accounts, the applicableaccounting standards have beenfollowed along with properexplanation relating to materialdepartures;

ii. that they have selected suchaccounting policies and appliedthem consistently and made

judgments and estimates that arereasonable and prudent so as togive a true and fair view of thestate of affairs of the Bank as onthe 31st March 2009, and of theprofit or loss of the Bank for theyear ended on that date;

iii. that they have taken proper andsufficient care for themaintenance of adequateaccounting records inaccordance with the provisions ofthe Banking Regulation Act, 1949,

and State Bank of India(Subsidiary Banks) Act, 1959 forsafeguarding the assets of theBank and preventing anddetecting frauds and otherirregularities; and

For and on behalf of the Board ofDirectors

Mumbai Arun ShandilyaDtd.23.04.2009 Managing Director

iv. that they have prepared theannual accounts on a goingconcern basis.

CORPORATE GOVERNANCE

The Details on Corporate Governanceare annexed.

ACKNOWLEDGMENTS

The Board of Directors is grateful to the

valued customers, esteemed

shareholders and the public at large

for their patronage and confidence

reposed in the Bank and places on

record its deep appreciation. The

Board of Directors thanks the

Government of India, State Bank of

India, Reserve Bank of India and other

regulatory agencies for their valuable

support and guidance throughout the

year.

The Board of Directors places on

record its deep appreciation of the

commitment, sense of involvement

and dedication exhibited by each staff

member and constructive role playedby the Employees' Union and Officers

Association in the overall development,

growth and prosperity of the Bank.



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cS ad dh n f"V ,oa y{;

cSad us viuh vUrfuZfgr fof'k"Vrkvksa] la Ld` fr ,oa vfHkyk"kkvks a dks fuEufyf[kr

^n` f"V* ,oa ^y{;* vkys [kks a ds :i es a lw =kc¼ fd;k gS %

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ds fy, mÙkjnk;h izcUèkdh; fl¼kUrks a ds }kjk izfriw frZ djuk_ laLFkkxr lkekftd mÙkjnkf;Ro ds fuoZ gu ds mís '; ls lEiw.kZ jktLFkku jkT; es a foÙkh; lekos 'ku ij fo'ks "k cy ns rs gq , izR;s d dks loks Z Ùke cS a dx ls ok,a miyC/ djokus gs rq iz;Ru'khy jgukA**

cSa d dh dkWjiks js V vfHk'kklu lafgrk

cS a d ds n` f"V ,oa y{; vkys [kks a es a mYys f[kr

y{;ks a dks çkIr djus dh fn'kk es a Js "B dkW jiks js V vfHk'kklu ,oa O;ogkjks a dh LohÑfr igyk dne gS vkS j rn~ uq lkj cS a d us dkW jiks js V vfHk'kklu dh la fgrk Lohdkj dh gS%&

LVsV cSad vkWiQ chdkusj ,.M t;iqj vfHk'kklu dh loZ Js "B çFkk ds çfr çfrc¼

gSA cS a d dk fo'okl gS fd mi;q Dr dkW jiks js V vfHk'kklu] çcU/u dks çHkkoh vkSj

O;olk;&fu;a =k.k dks lq xe cukrk gS A blds iQyLo:i] cS a d vius leLr fgr/kjdks a dks lokZ s Ùke ifj.kke nsus esa leFkZ gks rk gSA

la {ks i es a ] blds mís'; fuEuor~ gSa % va 'k/kjdks a dh iw ¡th es a o` f¼ djukA va'k/kfj;ksa ,oa lkFk&lkFk xz kgdksa]

deZ pkfj;ks a rFkk O;kid Lrj ij lekt lfgr vU; fgr/kkjdks a ds fgrksa dh

j{kk djukA Hkkjrh; fjT + koZ cS a d] ls ch ,oa vU;

fu;ked çkf/dj.kksa ds fn'kk&funZ s 'kks a dh vuqikyuk djukA

la çs "k.k es a ikjnf'kZ rk vkS j bZ ekunkjh lqfuf'pr djuk rFkk lHkh la ca f/r i{kks a dks lexz] lgh vkS j Li"V lw puk miyC/ djokukA

fu"iknu ds fy, mÙkjnkf;Ro lq fuf'pr djuk rFkk lHkh Lrjks a ij mRÑ"Vrk çkIr djukA

mPpre xq .koÙkkiw .kZ ,s lk dkW jiks js V us r` Ro çnku djuk tks nwljk s a ds fy, vuq dj.kh; gksA

cS a d fuEufyf[kr ds fy, çfrc¼ gS%

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dk;Z uhfrd fu;a =k.k dk <k¡ pk LFkkfir djuk rFkk bldh çHkkoks Rikndrk dh yxkrkj leh{kk djukA

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funs 'kd e.My viuh Hkw fedk dk çHkkoks Riknd <a x ls fuokZ g dj lds]

blds fy, funs'kd e.My dks ;Fkko';d lHkh çklafxd lwpuk,¡] lykg vkS j lalk/u miyC/ djokukA

;g lq fuf'pr djuk fd çcU/ funs 'kd] dk;Z ikyd çcU/u ds lHkh i{kks a rFkk cS a d ds vfUre fu"iknu vkS j funs'kd e.My }kjk fu/kZfjr uhfr;ksa ds dk;kZ Uo;u ds fy, mÙkjnk;h gksA çcUèk funs 'kd dh Hkw fedk] Hkkjrh; LVsV cS a d (leuq "ka xh cS a d) vf/fu;e] 1959 ,oa leuq "ka xh cS a d lkekU; fofu;e]

1959 rFkk bles a gq , leLr la 'kks/uks a ds vuq :i Hkh funZ s f'kr gks rh gSA

;g lqfuf'pr djuk fd funs'kd e.My }kjk fu/kZfjr lHkh ç;ksT; lafof/;k s a ] fofu;ek s a ,oa vU; dk;Zfofèk;ksa] uhfr;ksa dk vuqikyu lq fuf'pr djus ds fy, ,oa ;fn dks bZ fopyu gS rks] ;g e.My dks fjiks VZ fd;s tkus gs rq ,d ofj"B dk;Z ikyd dks funs 'kd e.My ds çfr mÙkjnk;h cuk;k x;k gSA

funs 'kd e.My

LVs V cS a d vkW iQ chdkus j ,.M t;iq j dk xBu 1963 es a LVs V cS a d vkW iQ chdkus j vkS j LVs V cS a d vkW iQ t;iqj ds foy; ls

gq vkA cS ad] Hkkjrh; LVs V cS a d (leuq "ka xh cS a d) vf/fu;e] 1959 ,oa leuq "ka xh cS a d lkekU; fofu;e] 1959 ls 'kkflr gks rk gSA funs 'kd e.My dk xBu vf/fu;e es a fufnZ "V çko/kuks a ds vuq lkj fd;k x;k gS tks lw phc¼rk le>kS rs ds mica /ksa dh Hkh vuq ikyuk djrk gSA

funs 'kd e.My dk us r` Ro Hkkjrh; LVs V cS a d ds vè;{k }kjk LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds ins u vè;{k ds :i es a fd;k tkrk gSA cS a d ds funs 'kd e.My ds

vU; lnL; bl çdkj gS a _ çcU/ funs'kd (dk;Z ikyd)] nks ukfer funs 'kd (,dHkkjr ljdkj ls ,oa ,d Hkkjrh; fjT + koZ

cS a d ls)] vf/dre ik¡ p funs 'kd Hkkjrh; LVs V cS a d ls ftues a ls] vf/dre rhu ml cS a d ds vf/dkjh gks a ] ,d&,d funs 'kd çR;s d dkexkj vkS j xS j&dkexkj deZ pkfj;ks a ls vkS j va 'k/kfj;ks a }kjk fu/kZ fjr çfØ;k ds rgr pq us gq , vf/dre rhu funs 'kdA

orZ eku es a vè;{k rFkk çcU/ funs'kd ds

vfrfjDr] vkB funs 'kd gS a ] bues a nks funs 'kdks a dks Hkkjrh; LVs V cS a d (leuq"ka xh cS a d)vf/fu;e] 1959 dh /kjk 25 (1) (Mh)

ds rgr va 'k/kfj;ks a }kjk pq uk x;k gSA

vuq yXudks a I (d) o I ([k) es a Øe'k% funs 'kd e.My dh cS Bdks a es a çR;s d funs 'kd dh mifLFkfr rFkk vU; funs 'kd e.Myks a @ e.My lfefr;ks a ] ftles a os lnL; ;k vè;{k gS a ] dk fooj.k fn;k x;k gSA xS j&dk;Z ikyd funs 'kdks a dk la f{kIr ifjp; vuq yXud &

II es a fn;k x;k gSA



CORPORATE GOVERNANCE

BANK’S VISION AND MISSION

The Bank has codified its ethos, values,culture and aspirations in the following

Vision and Mission statements:

Vision: “To be a state-of-the-art,customer-centric, values driven and professionally managed bankingorganisation with pan-India presence;committed to the highest standards of

good corporate governance practices; perpetual enhancement of the wealthof the shareholders and welfare of all stakeholders and the society”.

Mission: “To provide one stop

solutions to all the banking needs of customers through a highly motivated, professional and efficient human resources pool with quality of service,customer care and customers’ business in focus by efficient use of Information Technology in a cost effective manner; meeting theexpectations of all stakeholders through

transparent, true and fair disclosures and responsive management principles in all the activities; to strive

to fulfil corporate social responsibility with special emphasis on financial inclusion throughout the State of Rajasthan and aiming to provide the best banking services to one and all”.

BANK’S CODE OF CORPORATEGOVERNANCE

Adoption of best corporategovernance and practices is the firststep in realising the goals set forth in

our Vision and Mission statements andaccordingly the Bank has adopted itscode of Corporate Governance:

The State Bank of Bikaner and Jaipur iscommitted to the best practices in thearea of Corporate Governance. TheBank believes that proper CorporateGovernance facilitates effectivemanagement and control of business,which in turn, enables the Bank to deliverthe best results to all its stakeholders.The objectives can be summarised as:

To enhance shareholders’ value.

To protect interests ofshareholders and otherstakeholders includingcustomers, employees andsociety at large.

To comply with directives of RBI,SEBI and other regulatoryauthorities.

To ensure transparency andintegrity in communication and tomake available full, accurate andclear information to all concerned.

To ensure accountability forperformance and to achieveexcellence at all the levels.

To provide corporate leadership of

the highest standard for others toemulate.

The Bank is committed to :

Ensure that the Bank’s Board ofDirectors meets regularly, provideseffective leadership, exercisescontrol over management andmonitors executive performance.

Establish a framework of strategiccontrol and continuously review itsefficacy.

Establish clearly documented andtransparent managementprocesses for policy develop-ment, implementation and review,decision-making, monitoring,control and reporting.

Provide free access to the Boardto all relevant information, advice,resources as are necessary toenable it to carry out its roleeffectively.

Ensure that the Managing Directorhas line of responsibility for allaspects of executivemanagement and is accountableto the Board for the ultimateperformance of the Bank andimplementation of the policies laiddown by the Board. The role of theManaging Director is also guidedby the State Bank of India

(Subsidiary Banks) Act, 1959 and

Subsidiary Banks General

Regulations, 1959 with all

amendments.

Ensure that a senior executive ismade responsible to the Board toensure compliance with allapplicable statutes, regulations

and other procedures, policies aslaid down by the Board and reportdeviation, if any, to the Board.

BOARD OF DIRECTORS

The State Bank of Bikaner & Jaipur was

formed in 1963 by amalgamation of the

State Bank of Bikaner & State Bank of

Jaipur. The Bank is governed by State

Bank of India (Subsidiary Banks) Act,

1959 and Subsidiary Banks General

Regulations, 1959. Board of Directorsis constituted according to the

provisions of the Act and also complies

with the provisions of the listing

agreement.

The Board of Directors is headed by

the Chairman of State Bank of India,

as ex-officio Chairman of the Bank.

Other members of the Board are; the

Managing Director (Executive), two

nominee Directors (one from the Govt.

of India and other from RBI), not morethan 5 Directors nominated by State

Bank of India, of whom not more than

3 shall be officers of that Bank, one

Director each from employees -

workmen and non workmen,

respectively and not more than three

Directors elected in the prescribed

manner by the shareholders.

At present, besides the Chairman and

the Managing Director, there are eight

Directors on the Board including twoDirectors elected by the shareholders

under section 25 (1)(d) of State Bank

of India (Subsidiary Banks) Act, 1959.

Details of attendance of each Director

at the meetings of the Board of

Directors and number of other

Committees of the Board of Directors

in which he is a member or chairperson

are given in annexure I(a) and I(b)

respectively. Brief resume of the non-



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dh cS Bdksa esa lgHkkfxrk ds fy, çfr cS Bd #i;s 2500@& 'kq Yd dk Hkq xrku

fd;k tkrk gSA cS Bd es a 'kkfey gksus ds fy, vè;{k] cS a d ds çcU/ funs 'kd rFkk funs 'kd] tks Hkkjrh; LVs V cS a d ,oa Hkkjr ljdkj ds vf/dkjh gS a ] dks 'kqYd dk Hkq xrku ugha fd;k tkrk gSA

lHkh xS j&dk;Z ikyd funs 'kdksa us ;g ?kks "k.kk dh gS fd mudk LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds lkFk dks bZ vkfFkZ d laca / ugha gSA

cS a d }kjk le; le; ij O;olk; çfr:i]

dkW jiksjs V vfHk'kklu ekudks a ,oa tksf[ke dh fofHkUu vko';drkvks a dks è;ku es a j[kdj funs'kd e.My ds lnL;ksa dks çf'k{k.k gs rq çfrfu;qDr fd;k tkrk jgk gSA

o"kZ 2008&09 es a çcU/ funs 'kd dks Hkq xrku fd;k x;k os ru ,oa HkÙks s

foÙkh; o"kZ 2008&09 ds nkS jku] cS a d ds çcU/ funs 'kd Jh v#.k 'kkf.MY;] dks oqQy osru ,oa HkÙkksa ds :i esa #i;s

9]29]244-80 dk Hkq xrku fd;k x;k A o"kZ 2008&09 es a funs 'kdks a dks cSBdks a ds fy, fn;k x;k 'kq Yd

foÙkh; o"kZ 2008&09 ds nkS jku funs'kdks a a dks e.My rFkk bldh fofHkUu lfefr;ks a dh cS Bdks a ds fy, oq Qy #i;s 4]52]500@& ds 'kq Yd dk Hkqxrku fd;k x;kA

funs 'kd e.My% o"kZ ds nkS jku ifjorZ u

Jherh Hkkjrh jko ] mi çcU/ funs 'kd (lg;ks xh cS a d) ,oa eq [; fodkl vfèkdkjh] Hkkjrh; LVsV cSad] Hkkjrh; LVsV cSad (leuq "ka xh cS a d) vf/fu;e] 1959 dh èkkjk 25 dh mi/kjk (1) ds [k.M (lh) dsv/hu funs 'kd] fnuka d 31-10-2008 dks

ls ok fuo` Ùk gks us ij funs 'kd e.My lsHkkjeq Dr gqbZ a A

Jh vkj- Jh/ju ] mi çcU/ funs'kd ,oa lew g dk;Z dkjh (lg;ks xh ,oa leuq "ka xh)Hkkjrh; LVs V cS a d] vf/fu;e dh /kjk 25

dh mi/kjk (1) ds [k.M (lh) ds vèkhu fnuka d 01-12-2008 dks funs 'kd e.My es a 'kkfey gq , ,oa ckn es a iz cU/ funs 'kd] Hkkjrh; LVs V cS a d ds in ij inks Uur gks us

ij fnuka d 26-12-2008 dks R;kx i=k fn;kA

Jh la t; fujuoky ] vf/fu;e dh /kjk 25 dh mi/kjk (1) ds [k.M (Mh) dsv/hu funs 'kd] vius dk;Z dky ds iw .kZ

gks us ij fnuka d 09-08-2008 dks funs 'kd e.My ls Hkkjeq Dr gq ,A

Jh vejhd fla g ] ds Uæh; ljdkj }kjk vf/fu;e dh /kjk 25 dh mi/kjk (1)

ds [k.M (b Z) ds v/hu fnuk ad 09-06-2008 ls Jh ,e-ds- eYgks =kk ds

LFkku ij funs 'kd euksuhr gq ,A

Jh jru oq Qekj :a xVk ] va 'k/kjdks a }kjk fnuka d 12-08-2008 ls funs 'kd fuokZ fpr gq ,A ;s cS a d ds Hkw riw oZ vf/dkjh gS a ,oa rhu n'kdks a ls vf/d le; rd LVs V cS a d vkW iQ chdkus j ,.M t;iq j es a ls okjr jgs gS a A

funs 'kd e.My Jherh Hkkjrh jko] Jh la t; fujuoky] Jh ,e-ds- eYgks =kk ,oa Jh vkj-Jh/ju dks e.My ds lkFk muds lkgp;Z

ds nkS jku fd;s x;s cgq ew Y; ;ks xnku ds fy, mudh gkfnZ d ç'ka lk vfHkfyf[kr djrk gS ,oa u;s funs 'kdks a dk Lokxr djrk gSA

e.My ds u;s funs 'kdks a dk ifjp;

o"kZ 2008&2009 ds nkS jku e.My es a 'kkfey gq, funs 'kdks a dh la f{kIr tkudkjh uhps çLrq r dh tk jgh gS%

Jh vejhd fla g% Jh fla g] Hkkjr ljdkj] foÙk ea =kky;] foÙkh; ls ok,¡ foHkkx (cS a ¯dx çHkkx) es a voj lfpo gS a A

Jh jru oq Qekj :a xVk% Jh :a xVk ls okfuo Ùk

cS a d vf/dkjh gaS] ftUgs a dkW jiks js V foÙk] vUrZ jk"Vª h; cS a dx] tks f[ke ds fUær va ds{k.k o fujh{k.k] lw puk çkS |ks fxdh ,oa tu lEidZ ds {ks =kks a esa rhu n'kdks a ls vf/d dk vuq Hko çkIr gSA

vU; xS j dk;Z ikyd funs 'kdksa dk la f{kIr ifjp; vuq yXud&II esa fn;k x;k gS A

funs 'kd e.My dh cS Bds a

o"kZ 2008&09 ds nkS jku funs 'kd e.My dh 8 cSBds a fnuk ad 21-04-2008]

22-05-2008] 30-05-2008] 17-07-2008] 18-10-2008] 15-01-2009] 24-01-2009 ,oa 24-03-2009 dks gq b± A funs 'kd e.My dh

cS Bdks a esa mifLFkfr dk foLrr fooj.k vuq yXud 1 (d) es a fn;k x;k gSA

lk/kj.k lHkk dh cS Bds a cS a d ds va 'k/kfj;ks a dh o"kZ 2007&08 dh okf"kZ d lk/kj.k lHkk dh cS Bd 30 ebZ ] 2008 dks çkr% 11-30 cts egkjk.kk çrki vkW fMVks fj;e] t;iq j es a vk;ks ftr dh xbZ ]

ftles a funs 'kd e.My ds fuEu 10 funs 'kdks a us Hkkx fy;k%Jh vks-ih- HkV~ V MkW la tho vxz oky

Jh v#.k 'kkf.MY; Jh la t; fujuoky

Jherh Hkkjrh jko Jh la t; ckiuk Jh jes 'k pUæ Jh ,e-ds - eYgks =kk

Jh thcu xks Lokeh Jh v'kks d oq Qekj 'kq Dyk

blls iw oZ dh nks okf"kZ d lk/kj.k lHkk dh cS Bdsa o"kZ 2005&06 ,oa 2006&07 ds fy;s Øe'k% fnuka d 22-05-2006 (çkr%11-30 cts) ,oa 18-05-2007 (çkr%11-30 cts) t;iqj es a vk;ks ftr dh xb± Z A

blds vfrfjDr] Hkkjrh; LVs V cS a d (leuq "ka xh cS a d) vf/fu;e] 1959 dh /kjk 25 dh

mi /kjk (1) ds [k.M (Mh) ds v/hu ,d funs'kd ds fuokZpu gsrq fnukad11-08-2008 dks va 'k/kjdks a dh ,d lkèkkj.k

lHkk dh cS Bd t;iq j es a vk;ks ftr dh xbZ A mDr cS Bd es a funs 'kd ;Fkk & loZ Jh v#.k 'kkf.MY;] jes 'k pUæ ,oa MkW - la tho vxz oky mifLFkr FksA mDr cS Bd es a Jh jru oq Qekj :a xVk fuokZ fpr ?kks f"kr fd;s x;sA

e.My dh lfefr;k¡

funs 'kd e.My us funs 'kdks a dh fuEufyf[kr 9 lfefr;k¡ xfBr dh gS a %

1- funs 'kd e.My dh dk;Z dkfj.kh lfefr

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

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

4- funs 'kd e.My dh funs 'kd lfefr

5- cM+ h jkf'k dh /ks [kk/fM+ ;ks a ds vuq oh{k.k gs rq fo'ks "k lfefr



executive Directors are also presentedin Annexure II.

The Directors are paid sitting fee ofRs.5000/- for attending every meetingof the Board of Directors and Rs.2500/ - for attending meetings of the various

Committees of the Board apart fromreimbursement of usual traveling andhalting expenses. Sitting fees are notpaid to the Chairman, the ManagingDirector and the Directors who areofficials of SBI and Government of India.

All the non-executive Directors havedeclared that they do not have anypecuniary relationship vis-à-vis the Bank.

The Bank has been deputing its BoardMembers for various trainings from

time to time keeping in view theemerging requirements, corporategovernance norms, business modeland the risk profile.

SALARY AND ALLOWANCES PAIDTO THE MANAGING DIRECTOR IN2008-09

A sum of Rs.9,29,244.80 was paid astotal salary and allowances to Shri ArunShandilya, the Managing Director ofthe Bank during the financial year

2008-09.

SITTING FEES PAID TO DIRECTORSIN 2008-09

A sum of Rs 4,52,500/- was paid astotal sitting fees to the Directors for themeetings of the Board and its variousCommittees during the financial year2008-09.

BOARD OF DIRECTORS : CHANGESDURING THE YEAR

Smt Bharati Rao, Dy. ManagingDirector (Associate Banks) & ChiefDevelopment Officer, SBI, Directorunder clause (c) of sub-section (1) ofthe Section 25 of the SBI (SubsidiaryBanks) Act 1959, relinquished the officeon 31.10.2008 on her superannuation.

Shri R Sridharan, Dy. ManagingDirector & Group Executive (Associate& Subsidiaries), SBI joined the Board

as a Director under clause (c) of sub-section (1) of the Section 25 of the Acton 01.12.2008 and subsequentlyresigned w.e.f. 26.12.2008 on hiselevation as Managing Director, SBI.

Shri Sanjay Niranwal, a Director

under clause (d) of sub-section (1) ofthe Section 25 of the Act, demitted theoffice after completion of his tenure on09.08.2008.

Shri Amrik Singh, was nominated aDirector by the Central Governmentunder clause (e) of sub-section (1) ofSection 25 of the Act w.e.f. 09.06.2008vice Shri M K Malhotra.

Shri Ratan Kumar Roongta, waselected as Director w.e.f. 12.08.2008 by

shareholders. He is a former Bank officer,having served State Bank of Bikaner &Jaipur for more than three decades.

The Board of Directors places on recordits deep sense of appreciation for thevaluable contributions made by SmtBharati Rao, Shri Sanjay Niranwal, Shri MK Malhotra and Shri R Sridharan duringtheir association with the Board andwelcomes the new Directors on the Board.

BIO-DATA OF THE NEW DIRECTORS

OF THE BOARD

Brief resume of the Directors whojoined the Board of Directors during2008-09 is furnished below:-

Shri Amrik Singh : Shri Singh is anUnder Secretary in the Ministry ofFinance, Deptt. of Financial Services(Banking Division), Govt. of India.

Shri Ratan Kumar Roongta : ShriRoongta is a retired Bank Officer having

over three decades of experience in thearea of Corporate Finance, InternationalBanking, Risk Focused Audit andInspection, Information Technology andPublic Relations.

Brief Bio-Data of other Non ExecutiveDirectors is furnished in Annexure-II.

BOARD MEETINGS

During the year 2008-09, 8 meetingsof the Board of Directors were held on

21.04.08, 22.05.08, 30.05.08, 17.07.08,18.10.08, 15.01.09, 24.01.09 and24.03.09. Details of the attendance ofthe Directors are as per Annexure I (a).

GENERAL BODY MEETINGS :

The Annual General Meeting of theshareholders of the Bank for 2007-08was held at Maharana Pratap Auditorium, Jaipur on 30th May, 2008at 11.30 AM and was attended by thefollowing 10 Directors on the Board:

Shri O P Bhatt Dr. Sanjiv Agarwal

Shri Arun shandilya Shri Sanjay Niranwal

Smt Bharati Rao Shri Sanjay Bapna

Shri Ramesh Chander Shri M K Malhotra

Shri Jiban Goswami Shri Ashok Kumar Shukla

The previous two Annual General

Meetings for the year 2005-06 and

2006-07 were held at Jaipur on

22.05.2006 (11.30 AM) and 18.05.2007

(11.30 AM) respectively. Besides, a

meeting of the General Body of

shareholders was convened at Jaipur

on 11.08.2008 to elect a Director under

clause (d) of sub section (1) of section25 of SBI (Subsidiary Banks) Act, 1959.

The meeting was attended by the

Directors viz. Shri Arun Shandilya, Shri

Ramesh Chander and Dr. Sanjiv

Agarwal. Shri Ratan Kumar Roongta

was declared elected in the above

meeting.

COMMITTEES OF THE BOARD

The Board of Directors has constituted

9 Committees of the Board, viz.

1. Executive Committee of the Board

2. Audit Committee of the Board

3. Risk Management Committee ofthe Board

4. Directors’ Committee of the Board

5. Special Committee to MonitorLarge Value Frauds



6- funs 'kd e.My dh xz kgd ls ok lfefr

7- fun s' kd e.My dh va'k/kjdks a@ fuos 'kdks a dh f'kdk;r&fuokj.k lfefr

8- funs 'kd e.My dh ikfjJfed lfefr (Hkkjr ljdkj ds fn'kkfunZ s'kkuq lkj)

9- funs 'kd e.My dh ukeka du lfefr

funs 'kd e.My dh dk;Z dkfj.kh lfefr (bZ lh)

funs'kd e.My dh dk;Z dkfj.kh lfefr dk xBu leuq "ka xh cS ad lkekU; fofu;e 1959 ds fu;e 38 (1)(,)] (ch) ,oa (lh) ds çko/kuks a ds rgr fd;k x;k gS]

ftles a çcU/ funs'kd] rhu funs 'kd ftUgs a Hkkjrh; LVsV cS ad (leuq"k axh cS ad)

vfèkfu;e] 1959 dh /kjk 25 dh mi/kjk (1) ds [k.M (lh)] ftues a ls vf/dre nks Hkkjrh; LVs V cS a d ds vf/dkjh gks a xsvkS j ,d funs 'kd vf/fu;e dh /kjk 25

dh mi/kjk (1) ds [k.M (Mh) ds vèkhu va 'k/kfj;ks a }kjk pq uk x;k gks] ukfer fd;k

x;k gSA lfefr dk fiNyk iq uxZ Bu fnuka d 10-08-2008 dks gq vkA vU; dks bZ funs 'kd]

tks cS Bd es a Hkkx ys us ds bPNqd gks a ] Hkkx ys ldrs gS a A dk;Z dkfj.kh lfefr e.My ds le; le; ij fo'ks "k vFkok lkekU; funZ s 'kks a ds vykok cSad ds lHkh rkRdkfyd dk;Z dykiks a dks dj ldrh gSA

dk;Z dkfj.kh lfefr dh cS Bd de ls de ekg es a ,d ckj gks uh pkfg,A o"kZ 2008&09 ds nkS jku dk;Z dkfj.kh lfefr dh 15 cS Bds a vk;ks ftr dh xb± { ftudk fooj.k vuq yXud 1 (x) es a fn;k x;k gS}A

funs 'kd e.My dh va ds{k.k lfefr (,lhch)

funs 'kd e.My dh vads{k.k lfefr dk igyh ckj xBu fnuka d 21-09-1994 dks gq vk rFkk fiNyh ckj 08-10-2008 dks iq uxZ Bu gq vkA va ds{k.k lfefr es a orZ eku es a funs 'kd e.My ds 4 lnL; gS a ftues a Hkkjrh; fjT + koZ cS a d ,oa Hkkjrh; LVs V cS a d

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vè;{k gS a A 31-03-2009 dks va ds{k.k lfefr ds lnL; bl çdkj gS a %&

i) MkW - latho vxz oky & vè;{k

ii) Hkkjrh; fjT + koZ cS a d }kjk ukfer funs 'kd & lnL;

iii) Hkkjrh; LVs V cS a d }kjk ukfer funs'kd & lnL;

iv) Jh jru oq Qekj :a xVk & lnL;

e.My dh va ds{k.k lfefr cS a d ds oq Qy ys [kk ijh{kk dk;Z ds voyks du ds lkFk lkFk fn'kk&funZ s 'k Hkh miyC/ djkrh gSA e.My dh va ds{k.k lfefr dh eq [; Hkw fedk] dk;ks ± ,oa vf/dkjks a es a lfEefyr gS%-

cS a d dh foÙkh; lw puk çfØ;k dks ns [kuk

,oa ;g lq fuf'pr djuk fd foÙkh; lw puk ds çdVhdj.k es a foÙkh; fooj.k lgh] i;kZ Ir ,oa fo'oluh; gSA

lka fof/d va ds{kd }kjk çnÙk vU; lsokvks a gs rq lka fof/d va ds{kd dsHkq xrku dks vuq eks fnr djukA

e.My dks okf"kZ d foÙkh; fooj.k vuq eks nukFkZ çLrq r djus ls iw oZ çcUèku

ds lkFk leh{kk djuk] fo'ks "k la nHkZ es a %

v) e.My dh fjiks VZ esa lfEefyr fd;s

tkus gs rq] funs 'kd nkf;Ro fooj.k es a 'kkfey djus ds fy, ekeyksa dh vko';drkA

c) ys[kka du uhfr;ks a ,oa dk;Z ç.kkyh es a ifjorZ u] ;fn dks bZ gks] dkj.k lfgrA

l) çcU/u }kjk fy, x, fu.kZ ; ds vkèkkj ij vuq eku vk/kfjr eq [; ys [kka du çfof"V;k¡ A

n) vads{k.k ds nkS jku Kkr foÙkh; fooj.k es a fd;s x;s egRoiw .kZ lek;ks tuA

;) foÙkh; fooj.k ds la ca / es a lw phc¼ ,oa vU; dkuwuh vko';drkvks a dh vuq ikyukA

j) lEcfU/r i{kk s a ds ys uns u dks çdV djukA

y) va ds{k.k fjiks VZ ds çk:i es a ;ks X;rkA

e.My dks frekgh foÙkh; fooj.k vuq eks nukFkZ çLrq r djus ls iw oZ çcUèku

ds lkFk leh{kk djukA

lka fof/d ,oa vkUrfjd va ds{kdks a a ds dk;Z fu"iknu] vkUrfjd fu;U=k.k dk;Z fof/ dh i;kZ Irrk dh çcU/u ds lkFk leh{kk djukA

fujh{k.k ,oa vads{k.k dk;ks± dh

i;kZIrrk] ;fn dksbZ gks] vkarfjdva ds{k.k foHkkx ds <k¡ ps] foHkkx ds dk;Z dkjh foHkkxkè;{k dh ojh;rk ,oa LVkW iQ] fjiks fV± x dk <k¡ pk] vka rfjd va ds{k.k dh fuja rjrk ,oa dk;Z {ks =k

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6. Customer Service Committee ofthe Board

7. Shareholders’ / Investors’Grievance Committee of the Board

8. Remuneration Committee of the

Board (as per Government ofIndia guidelines)

9. Nominat ion Commit tee of theBoard

EXECUTIVE COMMITTEE OF THEBOARD (EC)

The Executive Committee of the Boardis constituted as per the regulation38(1) (a), (b) and (c) of the SubsidiaryBanks General Regulations 1959,

which consists of Managing Director,three Directors nominated underclause (c) of sub section (1) of Section25 of the SBI (SB) Act, 1959 by StateBank of India of whom not more thantwo shall be officers of the State Bankof India, and one Director elected bythe shareholders under clause (d) ofsub section (1) of Section 25 of the Act.The Committee was last reconstitutedon 10.08.2008. Any other Directorwilling to attend the meeting can also

attend the meeting. The ExecutiveCommittee, apart from the special orgeneral directions of the Board givenfrom time to time, may transact allcurrent business of the Bank.

The meeting of the ExecutiveCommittee is required to be held atleast once in a month. During the year2008-09, 15 meetings of the ExecutiveCommittee were held {details given in Annexure 1(c)}.

AUDIT COMMITTEE OF THE BOARD(ACB)

The Audit Committee of the Board wasfirst constituted on 21.09.1994 and waslast reconstituted on 08.10.2008. ACBhas presently 4 members of the Boardof Directors, including RBI and SBINominee Directors and twoindependent non-executive Directors. As per RBI guidelines, Dr. Sanjiv Agarwal, Chartered Accountant is the

Chairman of the Committee. Themembers of ACB as on 31.03.2009 are:

i) Dr. Sanjiv Agarwal - Chairman

ii) RBI Nominee Director - Member

iii) SBI Nominee Director - Member

iv) Shri Ratan Kumar Roongta - Member

ACB provides directions as alsooversee the total audit function in theBank. The major role, functions andpowers of the ACB include: -

to oversee the Bank’s financialreporting process and disclosureof its financial information toensure that the financial statementis correct, sufficient and credible.

to approve any payment toStatutory Auditors for any otherservice rendered by the Statutory Auditors.

to review, with the Management,the annual financial statementsbefore submission to the Boardfor approval, with particularreference to:

(a) Matters required to be included inthe Director’s ResponsibilityStatement to be included in the

Board’s Report.

(b) Changes, if any, in accountingpolicies and practices andreasons for the same.

(c) Major accounting entries involvingestimates based on the exerciseof judgment by Management.

(d) Significant adjustments made inthe financial statements arisingout of audit findings.

(e) Compliance with listing and otherlegal requirements relating tofinancial statements.

(f) Disclosure of any related partytransactions.

(g) Qualifications in the draft auditreport.

Review, with the Management, thequarterly financial statementsbefore submission to the Boardfor approval.

Review, with the Management,performance of Statutory andInternal Auditors, adequacy of theinternal control systems.

Review the adequacy ofinspection and audit function, if

any, including the structure of theInternal Audit Department, staffingand seniority of the official headingthe Department, reportingstructure, coverage and frequencyof internal audit.

Discuss with Internal Auditors ofany significant findings and followup thereon.

Review the findings of any internalinvestigations by the Internal Auditors into matters where there

is suspected fraud or irregularityor a failure of internal controlsystems of a material nature andreporting the matter to the Board.

Discuss with Statutory Auditorsbefore the audit commences,about the nature and scope ofaudit as well as post-auditdiscussion to ascertain any areaof concern.

Look into the reasons forsubstantial defaults in the

payment to the depositors,debenture holders, shareholders(in case of non-payment ofdeclared dividends) and creditors.

Review the functioning of theWhistle Blower mechanism.

Focus on follow up of Inter-Branchadjustment account, unreconciledlong outstanding entries in Inter-Bank and Nostro Account, arrearsin balancing books of branches,frauds and all major areas of

housekeeping.

The Audit Committee mandatorilyreviews the following information:

(a) Management discussion andanalysis of financial condition andresults of operations.

(b) Statement of significant relatedparty transactions (as defined bythe Audit Committee), submittedby Management.



(c) Management letters / letters ofinternal control weaknessesissued by the Statutory Auditors.

(d) Internal Audit reports relating tointernal control weaknesses.

In fulfillment of the above role, the Audit

Committee has the powers toinvestigate any activity within its termsof reference, to seek information fromemployees and to obtain outside legaland professional advice.

During the year 2008-09, nine meetingsof ACB were held, with at least onemeeting in each quarter {detailsfurnished in Annexure 1(d)}.

RISK MANAGEMENT COMMITTEEOF THE BOARD (RMCB)

The RMCB consists of 5 members ofthe Board of Directors viz. ManagingDirector, SBI Nominee Director, RBINominee Director and two Non-Executive Directors (viz. Dr. Sanjiv Agarwal and Shri Ratan KumarRoongta). The RMCB was lastreconstituted on 15.01.2009. RMCBoversees the policy and strategy forintegrated risk management relative tovarious risk exposures of the Bank.During the year 2008-09, five meetings

of RMCB were held.DIRECTORS’ COMMITTEE OF THEBOARD

In terms of Govt. of India directivesdated 24.10.1990, the Directors’Commit tee of the Board isfunct ioning in the Bank. TheCommittee consists of Dy. ManagingDirector & Group Execut ive(Associate Banks) SBI, the ManagingDirector (SBBJ), RBI Nominee

Director and the Govt. NomineeDirector. The Committee is requiredto review the disposal of vigilanceand other disciplinary action cases.During 2008-09, three meetings ofthe Committee were held.

SPECIAL COMMITTEE TOMONITOR LARGE VALUE FRAUDS

In terms of RBI guidelines, a SpecialCommittee of Directors was constitutedon 29.11.2004 for monitoring and

follow-up of cases of frauds involvingamounts of Rs.1 crore and above. Thecommittee was last reconstituted on08.10.2008. The Special Committeemeets and reviews at least four times ina year and as and when a fraudinvolving an amount of Rs.1 crore andabove comes to light. The members ofthe Committee are Managing Director,Dr. Sanjiv Agarwal, Shri Sanjay Bapnaand Shri Ratan Kumar Roongta. Duringthe year 2008-09, five meetings of thisCommittee were held.

CUSTOMER SERVICE COMMITTEEOF THE BOARD

The Customer Service Committee of theBoard was constituted on 25.10.2004

in terms of RBI guidelines. TheCommittee was last reconstituted on15.01.2009. The present Committeeconsists of 3 members viz. ManagingDirector, RBI Nominee Director and ShriRatan Kumar Roongta (Non-ExecutiveDirector). During the year 2008-09, fourmeetings of the Committee were held.

SHAREHOLDERS’/ INVESTORS’GRIEVANCE COMMITTEE OF THEBOARD (SGCB)

In terms of Clause 49 of the Listing Agreement with the Stock Exchanges,the Shareholders’/Investors’ GrievanceCommittee of the Board (SGCB) hasbeen reconstituted on 15.01.2009under the Chairmanship of anindependent Director. The SGCBpresently consists of the followingDirectors, viz. Shri Ratan KumarRoongta, Shareholder Director–Chairman; Managing Director, Memberand Dr Sanjiv Agarwal, ShareholderDirector, Member.

The SGCB held 4 quarterly meetingsduring 2008-09 to review the positionof complaints received. During theyear, 14 complaints were received andall were satisfactorily resolved withinone month of its receipt. As on31.03.2009, no complaint waspending. No application for transferof shares was pending for more thanone month as on 31.03.2009. The

Bank is regularly following up with theshareholders in the matter ofunclaimed dividends.

REMUNERATION COMMITTEE OFTHE BOARD

In terms of Government of India,

Ministry of Finance, Department of

Economic Affairs (Banking Division)

letter F.No.20/1/2005-BO.I dated March

9, 2007, the Government has decided

that the whole time Directors of Public

Sector Banks would be entitled to

performance linked incentives subject

to achievement of broad quantitative

parameters fixed for performance

evaluation matrix. This would be based

on the statement of intent on goals andqualitative parameters and

benchmarks based on various

compliance reports during the last

financial year. The evaluation of

performance would be done by a Sub-

Committee of the Board consisting of

(i) Government Nominee Director, (ii)

RBI Nominee Director, and (iii) two

other Directors. The Remuneration

Committee was constituted on

21.03.2007 and last reconstituted on

08.10.2008 with the Directors viz.Government Nominee Director (Shri

Amrik Singh), RBI Nominee Director

(Shri Ramesh Chander), and two other

Directors, viz. (i) Dr. Sanjiv Agarwal, and

(ii) Shri Ratan Kumar Roongta. No

meeting of the Committee was held

during 2008-09.

NOMINATION COMMITTEE OF THEBOARD

In terms of RBI’s guidelines, aNomination Committee of the Boardwas constituted to determine ‘fit andproper’ status of the elected Directors.The Committee was constituted on14.01.2008 under the Chairmanship ofShri Sanjay Bapna and includes the SBINominee and Government Nomineeas members. The Committee was lastreconstituted on 15.01.2009. Onemeeting of the Committee was heldduring 2008-09.



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NAME AND DESIGNATION OFCOMPLIANCE OFFICER (SHARESAND BONDS)

Shri S K Dhakar, Chief Manager(Shares & Bonds) has been

designated as the Compliance Officer.

CHANGES IN ACCOUNTINGTREATMENT

The financial statements of the Bankare prepared under the historical costconvention. They conform to theGenerally Accepted AccountingPrinciples in India, which comprise thestatutory provisions, regulatory/ RBIguidelines, accounting standards/ guidance notes issued by the Instituteof Chartered Accountants of India(ICAI) and the practices prevalent in thebanking industry in India. Detaileddisclosures as per RBI guidelines/ accounting standards of ICAI andaccounting treatment are given inSchedule 18 of the Balance Sheet.

CORPORATE SOCIALRESPONSIBILITY

The Bank has undertaken a number of

activities as a responsible Corporatecitizen. Laying major thrust on financialinclusion has enabled the Bank to reachout to a vast segment of hithertounserved population. The Bank has alsobeen undertaking community basedsocial activities such as tree plantation,free medical camps, women healtheducation camps, establishing waterhuts, sports competitions, adulteducation programmes, etc. During2008-09, the Bank donated Rs.1 crore

towards the Rajasthan Chief Minister’sRelief Fund for rehabilitation of victimsof bomb blasts in Jaipur. Every branchhas adopted one girl child each from apoor family for enabling her to pursuestudies in Government/ municipalschools. Other initiatives includesupporting eye Bank Society inRajasthan, sponsoring prizes toindividuals doing excellent work inliteracy promotion, construction ofamenities in girls’ school, development

of public parks and distribution of foodsand clothes in “Rein Baseras”.

CODE OF CONDUCT

In terms of Clause 49 of the Listing Agreement entered into with the StockExchanges, the Bank has adopted aModel Code of Conduct for its BoardMembers and senior managementfunctionaries, which has also beenuploaded on the Bank’s website. Thedeclaration for compliance with theCode of Conduct has been taken fromthe persons concerned and acertificate affirming the compliance isplaced at Annexure-III.

The Bank has also framed a code of

conduct for its Directors andDesignated employees for preventionof Insider Trading in Bank’s securities.Number of Bank’s shares held by theDirectors as on 31.03.2009 is given in Annexure 1(e).

OTHER DISCLOSURES

The Bank has not entered into anymaterially significant related partytransactions with its Promoters,Directors, or Management, their

subsidiaries or relatives, etc. that mayhave potential conflict with the interestsof the Bank at large.

The Bank has complied with applicablerules and regulations prescribed bystock exchanges, SEBI, RBI or anyother statutory authority relating to thecapital markets during the last threeyears. No penalties or strictures havebeen imposed by them on the Bank.

The Bank has complied in all respects

with the requirements of Clause 49 ofthe Listing Agreement with the StockExchanges, to the extent that therequirements of the Clause do notviolate the provisions of State Bank ofIndia (Subsidiaries Banks) Act, 1959,the Rules and Regulations madethereunder, and guidelines or directivesissued by the Reserve Bank of Indiaand State Bank of India.

Mandatory requirements of Clause49 as to the composition of the

Board of Directors, composition andquorum of the Audit Committee,Non-execut ive directors’compensation, the appointment, re-appointment of the statutory Auditorsand fixation of their fees are notbinding on the Bank, as separateprovisions in the State Bank of India(Subsidiary Banks) Act 1959,General Regulat ions and theReserve Bank of India guidelinesdeal with the same.

CERTIFICATE OF COMPLIANCE

A certificate of compliance oconditions of Corporate Governance,as stipulated in Clause 49(vii) of theListing Agreement with the Stock

Exchanges has been obtained from the Auditors and placed at Annexure-IV. Itis confirmed that stipulations of Clause49 have been complied with.

ANNUAL GENERAL MEETING:2007-08

The various observations in respect ofthe matters pertaining to the “Profit andLoss Account and the Balance Sheet”made by the shareholders in the last Annual General Meeting held on May

30, 2008 and the Bank’s responses aregiven in Annexure V.

DISCLOSURES UNDER BASEL-II

The Bank has migrated towards Basel-IInorms w.e.f. March 31, 2008. In termsof RBI guidelines, the variousdisclosures under Basel-II are given in Annexure VI.

MEANS OF COMMUNICATION

Half-yearly and quarterly results of theBank for the year 2008-09 werepublished in one/two English financialdaily (all editions) and one/twoRegional Hindi newspapers (allRajasthan editions). The results arealso displayed on the Bank’s websitewww.sbbjbank.com. A brochureregarding half yearly results for the halfyear ended on 30.09.2008 was alsomailed to all the shareholders.



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>) va 'kksa dk vHkkS frdhdj.k o rjyrk va 'kksa dk vHkkS frdhdj.k gks pq dk gSA vkbZ ,lvkbZ,u ua- ,u,lMh,y@lhMh,l,y }kjk vkbZ ,ubZ 648,01026 vkca fVr fd;s x;s gS a A fnuka d 31-03-2009 rd 87-33» va 'kks a dk vHkkS frdhdj.k gks pq dk gSA

V) cdk;k thMhvkj@,Mhvkj@okjUV ;k dks bZ 'kwU;

ifjorZuh; foys [kks a ds ifjorZu dh frfFk vkS j iw¡ th ij lEHkkO; çHkko B) va 'kks a dk mi foHkktu@fo?kVu cS ad ds va 'kks a dk mifoHkktu@fo?kVu fnuka d 20-10-2008 dks #- 100@& ls #- 10@& çR;s d dj

fn;k x;k gSA M) vudnhÑr ykHkka 'k ftu 'ks ;j/kjdksa us foxr o"kks Z a ds ykHkka 'k okja V u Hkquk;k gks vFkok ykHkka 'k iz kIr u fd;k gks muls

fuosnu gS fd os 'ks ;lZ ,oa ckW .Ml foHkkx] iz/ku dk;kZ y;] t;iq j ls MqIyhds V ykHkka 'k okja V tkjh fd;s tkus gs rq lEidZ djs a A

cktkj ew Y; vk¡ dM+ s

ekg ,lchchts dk va 'k ew Y; (ch-,l-bZ-) (#i;ksa esa ) ch-,l-bZ- lw pdkad ch-,l-bZ- cS a ds Dl

vf/dre U;w ure vf/dre U;wure vf/dre U;w ure

viz S y 2008 5590 4451 17378 15343 8965 7590

ebZ 2008 5635 4695 17600 16276 9142 7715

tw u 2008 4950 3226 16063 13462 7454 5916 tq ykbZ 2008 3295 2813 14942 12576 7291 5400

vxLr 2008 3345 2840 15504 14048 7577 6578

flrEcj 2008 3290 2603 15050 12596 7464 6175

vDVw cj 2008 2848 2640 13056 12526 6688 6429

uoEcj 2008@ 260 194 9536 8451 5256 4365

fnlEcj 2008@ 226 192 10100 8739 5631 4436

tuojh 2009@ 281 215 10336 8674 5970 4485

iQjojh 2009@ 249 202 9647 8822 5025 4185

ekpZ 2009@ 212 168 10048 8160 4829 3633

@ cS ad ds va 'k dk mifoHkktu fnuka d 20-10-2008 dks #- 100@& ls #- 10@& iz R;s d dj fn;k x;k gSA

va 'k/kfj;ks a dk la forj.k (31 ekpZ] 2009 dks)%

va 'k/kjdks a dk oxZ /kfjr va 'kksa dh la [;k oq Qy va 'kks a es a ls /kfjr va 'kksa dk izfr'kr Hkkjrh; LVs V cS ad 37500210 75.00

vfuoklh (fons 'kh laLFkkxr fuos 'kd@vks-lh-ch-@,u-vkj-vkbZ ) 2672620 5.35

cS a d] foÙkh; la LFkk,¡ chek da ifu;ks a lfgr 969350 1.94

E;q pq vy iQa M Hkkjrh; ;w fuV Vª LV lfgr 263300 0.53

?kjs yw daifu;ka @iz kbZos V dkW jiks js V ckW Mht@Vª LV 2266322 4.53

vU;] fuoklh O;fDr;ks a lfgr 6328198 12.65

dq y 50000000 100.00

i=k O;ogkj ds fy, irk % eq [; çcU/d ('ks ;lZ ,.M ckW .M~ l) LVs V cS a d vkW iQ chdkus j ,.M t;iq j ç/ku dk;kZ y;] fryd ekxZ ] lh&Ldhe] t;iq j & 302 005 (jktLFkku) iQks u % 0141&5101539 iQS Dl % 0141&2227452] bZ &es y % [email protected]


http://slidepdf.com/reader/full/sbbj-annual-report-2008-09 51/160 49

INFORMATION FOR GENERAL SHAREHOLDERS

a) Annual General MeetingPlace JaipurVenue Birla Auditorium, Statue CircleDate & Time Tuesday, 02.06.2009, 11.30 A.M.

b) Financial Year 01.04.2008 to 31.03.2009

c) Date of Book Closure 30.04.2009 to 07.05.2009 (both days inclusive)d) Dividend Payment Date 07.05.2009e) Listing on Stock Exchanges BSE & NSE, Mumbai and JSE, Jaipurf) Stock Code 501061 (Mumbai Stock Exchange), 231 (Jaipur Stock Exchange) & SBBJ (NSE)g) Share Transfer Agent M/s. Karvy Computershare Pvt. Ltd. (KCPL),

S-16A, 3rd Floor, Landmark Building, Opp. Jai Club, Mahaveer Marg, Jaipur – 302001with Head Office at Plot No. 17-24, Vithal Rao Nagar, Madhapur, Hyderabad - 500 081

h) Share Transfer System Through Share Transfer Agent. Transfer/Transmission of shares approvedby the Bank’s “In-house Share Transfer Committee”.

i) Dematerialisation of Shares The Share of the Bank have been dematerialized. The ISIN No. allotted by NSDL/CDSL And liquidity is INE 648A01026. As on 31.03.2009, 87.33% shares of the bank have been

dematerialized.j) Details of outstanding GDRs/ADRs/ NIL

warrants or any convertible

instruments, conversion date andlikely impact on equity.k) Subdivision/Split of Shares The Shares of the Bank have been Subdivided/Split w.e.f. 20.10.2008 from

Rs. 100/- to Rs. 10/- each

l) Unclaimed Dividend The shareholders who have not encashed their dividend warrants or have not receiveddividend of previous years, are requested to contact Shares & Bonds Department atHead Office, Jaipur for issue of duplicate dividend warrants

MARKET PRICE DATA

MONTHS SBBJ’s Share Price (BSE) (in Rs.) BSE SENSEX BSE BANKEX

HIGH LOW HIGH LOW HIGH LOW

April 2008 5590 4451 17378 15343 8965 7590

May 2008 5635 4695 17600 16276 9142 7715June 2008 4950 3226 16063 13462 7454 5916July, 2008 3295 2813 14942 12576 7291 5400 August 2008 3345 2840 15504 14048 7577 6578September 2008 3290 2603 15050 12596 7464 6175October 2008 2848 2640 13056 12526 6688 6429November 2008@ 260 194 9536 8451 5256 4365December 2008@ 226 192 10100 8739 5631 4436January 2009@ 281 215 10336 8674 5970 4485February 2009@ 249 202 9647 8822 5025 4185March 2009@ 212 168 10048 8160 4829 3633

@Bank’s shares have been sub-divided w.e.f. 20.10.2008 from Rs.100/- to Rs.10/- each.

DISTRIBUTION OF SHAREHOLDINGS (As on 31st March, 2009)

Shareholders' Category No. of shares held % of shares held to Total No. of shares

State Bank of India 37500210 75.00Non-residents (FIIs/OCBs and NRIs) 2672620 5.35Banks/ Financial Institutions including Insurance Cos 969350 1.94Mutual Funds including UTI 263300 0.53Domestic Companies/Private Corporate Bodies/Trust 2266322 4.53Other including resident individuals 6328198 12.65

TOTAL 50000000 100.00

Address for correspondence : Chief Manager (Shares & Bonds)State Bank of Bikaner and JaipurHead Office, Tilak Marg, “C” Scheme, JAIPUR - 302 005Phone : 0141-5101539 Fax : 0141-2227452 E-mail : [email protected]



vuq yXud - I( d )

o"kZ 2008&09 es a vk;ks ftr funs 'kd e.My dh cS Bdksa es a funs 'kdksa dh mifLFkfr dk fooj.k

Ø-la - funs 'kd dk uke muds cSBds a ftues a D;k okf"kZd vU; funs 'kd dk;Z dky ds mifLFkfr gq , lk/kj.k lHkk [email protected] a@ nkS jku gqbZ es a mifLFkr e.My lfefr;ks a

cS Bds a Fks dh la[;k] ftues a ;s funs 'kd@lnL;@

vè;{k gS a

1. Jh vks ih HkV~ V 8 3 m- 22

2. Jh v#.k 'kkf.MY; 8 5 m- –

3. Jherh Hkkjrh jko (31-10-2008 rd) 5 2 m- –

4. Jh vkj Jh/ju

(29-11-2008 ls 26-12-2008 rd) – – – –

5. Jh jes 'k pUæ 8 8 m- -

6. Jh thcu xks Lokeh 8 5 m- 12

7. Jh ,l , fFkEeS ;k 8 5 v- 12

8. MkW - la tho vxz oky 8 8 m- 3

9. Jh la t; fujuoky

(09-08-2008 rd)4 4

m-–

10. Jh la t; ckiuk 8 7 m- 1

11. Jh ,e ds eYgks=kk (08-06-2008 rd) 3 3 m- –

12. Jh vejhd fla g (09-06-2008 ls çHkkoh) 5 5 ykxw ugha –

13 Jh jru dq ekj :a xVk (12-08-2008 ls çHkkoh) 4 4 ykxw ugha –

14. Jh v'kks d oq Qekj 'kq Dyk 8 8 m- –

m-&mifLFkr v-&vuqifLFkr



ANNEXURE- I(a)

DETAILS OF ATTENDANCE OF DIRECTORS AT THE MEETINGS OF BOARD OF DIRECTORS IN 2008-09

S.No. Name of Director Meetings Meetings Whether No. of otherheld during Attended attended BODs/Board

his / her AGM Committees

tenure he/ she is amember Director/

Chairperson

1. Shri O P Bhatt 8 3 P 22

2. Shri Arun Shandilya 8 5 P –

3. Smt Bharati Rao

(upto. 31.10.2008) 5 2 P –

4. Shri R Sridharan

(from 29.11.2008 to 26.12.2008) – – – –

5. Shri Ramesh Chander 8 8 P –

6. Shri Jiban Goswami 8 5 P 12

7. Shri S A Thimmiah 8 5 N 12

8. Dr. Sanjiv Agarwal 8 8 P 3

9. Shri Sanjay Niranwal

(upto 09.08.2008) 4 4 P –

10. Shri Sanjay Bapna 8 7 P 1

11. Shri M K Malhotra

(upto 08.06.2008) 3 3 P –

12. Shri Amrik Singh Not

(w.e.f. 09.06.2008) 5 5 Applicable –

13. Shri Ratan Kumar Roongta Not

(w.e.f. 12.08.2008) 4 4 Applicable –

14. Shri Ashok Kumar Shukla 8 8 P –

P -Attended N - Not attended



vuq yXud & I ([k)

31-03-2009 dks funs 'kd e.My es a funs 'kdks a dk fooj.k

funs 'kd dk uke irk funs 'kd dEifu;ks a @lfefr;ks a dh e.My es a la [;k ftues a os funs 'kd @ fu;q fDr dh lnL; @ vè;{k gS a

frfFk Jh vks-ih- HkV~ V vè;{k] Hkkjrh; LVs V cS a d (leuq "kaxh cS a d) vf/fu;e ua - 5] M~;w us Mhu] 01-07-2006 vè;{k 201959 dh /kjk 25 dh mi/kjk (1) ds [k.M (,) ts-,e- es grk jksM funs 'kd 3

ds v/hu ins u vè;{k eq EcbZ & 400 006

Jh v#.k 'kkf.MY; vf/fu;e dh /kjk 25 dh mi/kjk (1) ds çcU/ funs 'kd] 03-03-2008 funs 'kd 1

[k.M (,,) ds v/hu euksuhr ,&1] cS a d gkml] ckiw uxj] t;iq j lfefr lnL; 1

Jh jes 'k pUæ vf/fu;e dh /kjk 25 dh mi/kjk (1) ds 24] vkdk'k xaxk dksvks ijs fVo xz qi 14-11-2007 funs 'kd 1

[k.M (ch) ds v/hu Hkkjrh; fjT + koZ cS ad }kjk euks uhr gkmfla x lks lk;Vh] IykWV ua- 3] lfefr lnL; 1

ls DVj&56] lq 'kkUr yks d&II, xq M+ xka o & 122 003 (gfj;k.kk)

Jh thcu xks Lokeh vf/fu;e dh /kjk 25 dh mi/kjk (1) ds eq [; egkçcU/d 17-04-2006 funs'kd 7

[k.M (lh) ds v/hu Hkkjrh; LVs V cS a d }kjk euks uhr lg;ksxh cS a d foHkkx] lfefr lnL; 7 *

Hkkjrh; LVs V cS a d] dkW jiks js V ds Uæ] eq EcbZ

Jh ,l-,- fFkEeS ;k vf/fu;e dh /kjk 25 dh mi/kjk (1) ds mi egkçcU/d 08-07-2006 funs'kd 7

[k.M (lh) ds v/hu Hkkjrh; LVs V cS a d }kjk euks uhr lg;ksxh cS a d foHkkx] lfefr lnL; 7 *

Hkkjrh; LVs V cS a d] dkW jiks js V ds Uæ] eq EcbZ

Jh la t; ckiuk vf/fu;e dh /kjk 25 dh mi/kjk (1) ds ghjkckx] jkefla g jksM 27-05-2006 funs'kd 2

[k.M (lh) ds v/hu Hkkjrh; LVs V cS a d }kjk t;iq j & 302 004 (jkt-) lfefr lnL; & euks uhr

MkW - la tho vxz oky vf/fu;e dh /kjk 25 dh mi/kjk (1) ds ,&226] f'kokuUn ekxZ 12-08-2007 funs'kd 3

[k.M (Mh) ds v/hu p;fur funs 'kd ekyoh; uxj] lfefr lnL; 2 t;iqj&302017

Jh vejhd fla g vf/fu;e dh /kjk 25 dh mi/kjk (1) ds [k.M (bZ ) voj lfpo] Hkkjr ljdkj 09-06-2008 funs'kd 1

ds v/hu ds Uæh; ljdkj }kjk euks uhr foÙk ea=kky;] foÙkh; ls ok,a foHkkx lfefr lnL; &

(cS a fda x çHkkx)] thounhi] la ln ekxZ ] ubZ fnYyh

Jh jru dq ekj :a xVk vf/fu;e dh /kjk 25 dh mi/kjk (1) ds 61@45] çrki uxj] lka xkus j] 12-08-2008 funs'kd 1

[k.M (Mh) ds v/hu p;fur funs 'kd Vks a d jks M] t;iq j & 302 030 lfefr lnL; 2

Jh v'kks d dq ekj 'kq Dyk vf/fu;e dh /kjk 26 dh mi/kjk (2,) ds lkFk fo'ks"k lgk;d 28-11-2007 funs'kd 1

ifBr /kjk 25 dh mi/kjk (1) ds [k.M (lh,) LVs V cS a d vkW iQ chdkus j ,.M t;iq j] lfefr lnL; & ds v/hu ds Uæh; ljdkj }kjk euksuhr fcjgkuk jksM]

dkuiq j & 208 001 (m-ç-)

* Jh thcu xks Lokeh ,oa Jh ,l , fFkEeS ;k dks e.My dh va ds{k.k lfefr esa çfrfuf/ ds :i esa euks uhr fd;k x;k gSA



ANNEXURE – I (b)

LIST OF BOARD OF DIRECTORS AS ON 31.03.2009

Name of Director Address Appointed No. of companies/since Committees of which

he/ she is a Director/

Member/Chairperson

Shri O P BhattChairman, ex-officio under clause (a) of sub- No.5, Dunedin, 01.07.2006 Chairman 20

section (1) of section 25 of the State Bank of J.M. Mehta Road, Director 3India (Subsidiary Banks) Act, 1959. Mumbai-400006

Shri Arun ShandilyaNominated under clause (aa) of sub- Managing Director, A-1, Bank 03.03.2008 Director 1

section (1) of section 25 of the Act House, Bapu Nagar, Jaipur Committee Member 1

Shri Ramesh ChanderNominated by the Reserve Bank of India 24, Akash Ganga Cooperative 14.11.2007 Director 1

under clause (b) of sub-section (1) of Group Housing Society, Committee Member 1

section 25 of the Act. Plot No. 3, Sector-56, Sushant

Lok-II, Gurgaon-122003

Shri Jiban GoswamiNominated by the State Bank of India Chief General Manager, 17.4.2006 Director 7

under clause (c) of sub-section (1) of Associate Banks’ Deptt., Committee Member 7*

section 25 of the Act. State Bank of India, CorporateCentre, Mumbai

Shri S A ThimmiahNominated by the State Bank of India Dy. General Manager, 08.07.2006 Director 7

under clause (c) of sub-section (1) of Associates Banks’ Deptt., Committee Member 7*section 25 of the Act. State Bank of India,

Corporate Centre, Mumbai

Shri Sanjay BapnaNominated by the State Bank of India Hirabagh, Ramsingh Road, 27.05.2006 Director 2under clause (c) of sub-section (1) of Jaipur (Raj) - 302 004 Committee Member -


Dr. Sanjiv AgarwalElected under clause (d) of sub-section (1) A-226, Shivanand Marg, 12.08.2007 Director 3of section 25 of the Act Malviya Nagar, Committee Member 2

Jaipur -302017.

Shri Amrik SinghNominated by the Central Government Under Secretary, Govt. of India, 09.06.2008 Director 1under clause (e) of sub- section (1) of Ministry of Finance, Deptt. of Committee Member -

section 25 of the Act Financial Services (Banking

Division), Jeevandeep,

Parliament Street,New Delhi-110 001

Shri Ratan Kumar RoongtaElected under clause (d) of sub-section (1) 61/45, Pratap Nagar, Sanganer, 12.08.2008 Director 1

of section 25 of the Act Tonk Road, Jaipur-302030 Committee Member 2

Shri Ashok Kumar ShuklaNominated by the central Government Special Assistant, 28.11.2007 Director 1

under clause (ca) of sub-section (1) of State Bank of Bikaner & Jaipur, Committee Member -

section 25 read with the sub-section (2A) Birhana Road,

of section 26 of the Act. Kanpur - 208 001 (U.P.)

* Shri Jiban Goswami & Shri S A Thimmiah are nominated on the Audit Committee of the Board in their respective capacities.



vuq yXud & I (x)

o"kZ 2008&09 es a vk;ksftr dk;Z dkfj.kh lfefr dh cS Bdks a es a mifLFkfr

Ø-la- funs 'kd dk uke muds dk;Z dky ds nkS jku gqbZ cS Bdsa ftues a mifLFkr cSBds a gq,

1. Jh v#.k 'kkf.MY; 15 11

2. Hkkjrh; LVs V cSa d }kjk ukfer Jh thcu xks Lokeh 15 4

Jh ,l-,- fFkEeS ;k 4

Jherh eS =ks ;h luknh 1

Jh ch-,l- xks ikyd".k 6

3. Jh la t; fujuoky 4 4

(09-08-2008 rd)

4. Jh jes 'k pUnz* 15 6

5. Jh la t; ckiuk 15 5

6. MkW - la tho vxz oky 15 13

7. Jh jru oqQekj :a xVk * 11 8

8. Jh v'kks d dq ekj 'kq Dyk * 15 11

* lfefr ds xS j lnL; ds :i es a cS Bd es a mifLFkr

vuq yXud & I (?k)

o"kZ 2008&09 es a vk;ks ftr e.My dh vads{k.k lfefr dh cS Bdks a es a mifLFkfr Ø-la - funs 'kd dk uke muds dk;Z dky ds nkS jku gq bZ cS Bds a ftues a mifLFkr

cSBdsa gq ,

1. Jh la t; fujuoky 3 3

(xS j dk;Z ikyd funs 'kd] vè;{k 09-08-2008 rd)

MkW - la tho vxz oky 6 6

(xS j dk;Z ikyd funs 'kd] vè;{k 24-09-2008 ls)

2.

Hkkjrh; fjT + koZ cS a d }kjk ukfer Jh jes 'k pUnz 9 9

3. Hkkjrh; LVs V cS a d }kjk ukfer Jh thcu xks Lokeh 9 2

Jh ,l-,- fFkEeS ;k 4

Jh ch-,l- xks ikyd` ".k 3

4. Jh la t; ckiuk 5 2

(28-11-2008 rd)

5. Jh jru dq ekj :a xVk 4 4

(29-11-2008 ls izHkkoh)



ANNEXURE - I(c)

ATTENDANCE OF EC MEETINGS IN 2008-09

S.No. NAME OF DIRECTOR MEETINGS HELD DURING MEETINGSHIS/HER TENURE ATTENDED

1. Shri Arun Shandilya 15 11

2. SBI Nominee

Shri Jiban Goswami 15 4Shri S A Thimmiah 4Smt. Matryi Sanadi 1Shri B S Gopalakrishna 6

3. Shri Sanjay Niranwal 4 4(upto 09.08.2008)

4. Shri Ramesh Chander* 15 6

5. Shri Sanjay Bapna 15 5

6. Dr. Sanjiv Agarwal 15 13

7. Shri Ratan Kumar Roongta* 11 8

8. Shri Ashok Kumar Shukla* 15 11

*Meeting attended as non member of the Committee.

ANNEXURE - I (d)

ATTENDANCE OF ACB MEETINGS IN 2008-09

S.No. NAME OF DIRECTOR MEETINGS HELD DURING MEETINGSHIS/HER TENURE ATTENDED

1. Shri Sanjay Niranwal 3 3(Non Executive Director, Chairmanupto 09.08.2008)

Dr. Sanjiv Agarwal 6 6(Non Executive Director,Chairman w.e.f. 24.09.2008)

2. RBI NomineeShri Ramesh Chander 9 9

3. SBI NomineeShri Jiban Goswami 9 2Shri S A Thimmiah 4Shri B S Gopalakrishna 3

4. Shri Sanjay Bapna 5 2(upto 28.11.2008)

5. Shri Ratan Kumar Roongta 4 4(w.e.f. 29.11.2008)



vuq yXud & I (M-)

funs 'kdks a ds ikl va'kks a dh la [;k (31-03-2009 dks)

Ø-la - funs 'kd dk uke funs 'kdks a ds ikl va 'kks a dh la [;k

1 Jh vks ih HkV~ V 'kwU;

2 Jh v#.k 'kkf.MY; 100

3 Jh jes'k pUæ 'kwU;

4 Jh thcu xks Lokeh 'kw U;

5 Jh ,l , fFkEeS;k 'kwU;

6 Jh lat; ckiuk 'kwU;

7 MkW - la tho vxz oky 200

8 Jh vejhd fla g 'kw U;

9 Jh jru oq Qekj :a xVk 100

10 Jh v'kks d dqekj 'kq Dyk 'kw U;



ANNEXURE -I (e)

NUMBER OF SHARES HELD BY THE DIRECTORS

(AS ON 31.03.2009)

No. Name of Director No. of Shares held by the Director

1 Shri O P Bhatt Nil

2 Shri Arun Shandilya 100

3 Shri Ramesh Chander Nil

4 Shri Jiban Goswami Nil

5 Shri S A Thimmiah Nil

6 Shri Sanjay Bapna Nil

7 Dr. Sanjiv Agarwal 200

8 Shri Amrik Singh Nil

9 Shri Ratan Kumar Roongta 100

10 Shri Ashok Kumar Shukla Nil



vuq yXud & II

vU; xSj&dk;Zikyd funs 'kdks a dk la f{kIr ifjp;

Jh thcu xks Lokeh Jh thcu xks Lokeh Hkkjrh; LVs V cS a d }kjk euks uhr funs 'kd gS a A os Hkkjrh; LVs V cS a d] dkWjiks js V ds Uæ] eq EcbZ es a lg;ks xh cS a d foHkkx

es a eq [; egkçcU/d gS a A mUgsa cS a ¯dx {ks =k es a 35 o"kZ dk vuq Hko gSA

Jh ,l-,- fFkEeS ;k Jh ,l-,- fFkEeS ;k Hkkjrh; LVs V cS a d }kjk euks uhr funs 'kd gS aA os Hkkjrh; LVsV cS a d] dkW jiks js V ds Uæ] eq EcbZ es a lg;ks xh cS a d foHkkx

es a mi egkçcU/d gS a A

Jh jes 'k pUæ Jh jes 'k pUæ Hkkjrh; fjT + koZ cS a d ls ls okfuo` Ùk eq[; egkçcU/d ga S ,oa fofHkUu cS adks a ds funs 'kd e.My esa funs 'kd jgsA bUgs a xz keh.k

lk[k] fons 'kh fofue;] lw puk çkS |ks fxdh ,oa Hkq xrku çfØ;k] ekuo la lk/u] eq æk çcU/u] O;; ,oa ctV fu;U=k.k dk o` gr vuq Hko gSA

MkW la tho vxz oky MkW- la tho vxz oky va 'k/kfj;ks a }kjk p;fur funs 'kd gS a A mUgs a lunh ys[kkdkj ds :i es a nks n'kdks a dk O;kolkf;d vuq Hko gSA os ba LVhV~ ;w V vkWiQ pkVZ MZ vdkm.Vs a V~ l vkW iQ bf.M;k vkS j ba LVhV~;w V vkW iQ dEiuh lS Øs Vª h”k vkW iQ bf.M;k ds vè;s rk lnL; ,oa ba LVhV~;w V vkW iQ pkVZ MZ lS Øs Vª h”k ,oa ,MfefuLVª s VlZ ] ya nu ds lgk;d lnL; gS aA os dkW jiks js V vfHk'kklu fo'ks "kr% cS a ¯dx ,oa foÙkh; [k.M ds

ekeyks a es a fuiq.k gS a A os baLVhV~ ;w V vkW iQ dEiuh lS Øs Vª h”k vkWiQ bf.M;k ds lS dª s Vs fj;y LVSa MMZ l cks MZ ds Hkh lnL; gS a A os t;iqj LVkW d ,Dlps a t vkS j ts ,lbZ ,y flD;ks fjVh”k fy- ds e.Myksa es a ls ch }kjk ukfer funs 'kd jg pq ds gS a A

Jh la t; ckiuk Jh la t; ckiuk Hkkjrh; LVs V cS a d }kjk euks uhr xSj&'kkldh; funs'kd gS a A os çcU/u es a Lukrdks Ùkj gSa A os ,d lkekftd dk;Z drkZ ,oa

is 'ks ls O;olk;h gS a A

vuq yXud & III

vkpkj la fgrk dh vuq ikyuk lEcU/h ?kks "k.kk

eS a foÙkh; o"kZ 2008&09 ds fy, cS a d vkpkj la fgrk dh lHkh e.My lnL;ks a ,oa ofj"B çcU/u }kjk vuq ikyuk dh vfHkiq f"V lq fuf'pr djrk gw ¡ A

eqEcbZ (v#.k 'kkf.MY;)23-04-2009 çcU/ funs 'kd



ANNEXURE – II

BRIEF RESUME OF OTHER NON-EXECUTIVE DIRECTORS

Shri Jiban Goswami

Shri Jiban Goswami is a Director nominated by State Bank of India. He is Chief General Manager, Associate Banks’

Department at State Bank of India, Corporate Centre, Mumbai with 35 years of experience in banking.

Shri S A Thimmiah

Shri S A Thimmiah is a Director nominated by State Bank of India. He is Deputy General Manager in Associate Banks’

Department at State Bank of India, Corporate Centre, Mumbai.

Shri Ramesh Chander

Shri Ramesh Chander is a retired Chief General Manger of the Reserve Bank of India and has been a Director on the

board of various banks. He has wide experience in rural credit, forex, IT and payment system, HRD, currency management,

expenditure and budgeting control.

Dr. Sanjiv AgarwalDr. Sanjiv Agarwal is a Director elected by the Shareholders. He has over two decades of professional experience as a

Chartered Accountant. He is a fellow member of the Institute of Chartered Accountants of India and Institute of Company

Secretaries of India and an Associate Member of the Institute of Chartered Secretaries and Administrators, London. He

is an expert on Corporate Governance issues with particular reference to banking and financial sector. He is also a

member of Secretarial Standards Board of Institute of Company secretaries of India. He had been a SEBI nominated

Director on the Boards of Jaipur Stock Exchange Ltd. and JSEL Securities Ltd.

Shri Sanjay Bapna

Shri Sanjay Bapna, is a non-official Director nominated by SBI. He holds masters’ degree in management. He is a social

activist and businessman by profession.

ANNEXURE – III

DECLARATION OF COMPLIANCE WITH THE CODE OF CONDUCT

I confirm that all Board Members & Senior Management have affirmed Compliance with the Bank’s Code of Conduct for

the financial year 2008-09.

Mumbai (Arun Shandilya)

23.04.2009 Managing Director



vuq yXud & IV

la LFkkxr vfHk'kklu ds lEcU/ es a ys [kk ijh{kdks a dk iz ek.k&i=k ls ok es a lnL;x.k LVs V cS a d vkWiQ chdkus j ,.M t;iq j

geus 31 ekpZ 2009 dks lekIr o"kZ ds fy, LVs V cS a d vkW iQ chdkus j ,.M t;iq j }kjk la LFkkxr vfHk'kklu dh 'krks± ] tS lk fd LVs V cS a d vkW iQ chdkusj ,.M t;iq j }kjk LVkWd ,Dlps a tks a ds lkFk lw phc¼rk le>kS rs ds [k.M 49 esa vfHkof.kZ r gS] dh vuq ikyuk dk ijh{k.k fd;k gSA

la LFkkxr vfHk'kklu dh 'krks ± dh vuq ikyuk çcU/u dk mÙkjnkf;Ro gS A gekjk ijh{k.k LVs V cS a d vkW iQ chdkus j ,.M t;iq j }kjk la LFkkxr vfHk'kklu dh 'krks ± dh vuqikyuk lqfuf'pr djus ds fy, va xhÑr fof/ ,oa blds dk;kZ Uo;u rd lhfer FkkA ;g u rks ,d ys [kk

ijh{k.k gS vkS j u gh LVs V cS a d vkW iQ chdkus j ,.M t;iqj ds foÙkh; fooj.kks a ds lEcU/ es a vfHker dk çdVhdj.k gSA

gekjs vfHker es a ,oa gekjh lokZ s Ùke tkudkjh esa rFkk ges a miyC/ djk;s x;s Li"Vhdj.kks a ds vuq lkj ge çekf.kr djrs gS a fd LVsV cS a d vkW iQ chdkus j ,.M t;iq j us mi;q Z Dr of.kZ r lw phc¼rk le>kS rs es a fufnZ "V la LFkkxr vfHk'kklu dh 'krks ± dh vuqikyuk dh gSA

ge ;g Hkh lwfpr djrs gS a fd va 'k/kfj;ks a @fuos 'kdks a dh f'kdk;r fuokj.k lfefr ds vfHkys [kkuqlkj LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds fo#¼ fuos 'kdks a dh dks bZ f'kdk;r ,d eghus ls vf/d le; ls yfECkr ugha gSA

ge vkxs ;g Hkh lw fpr djrs gS a fd bl çdkj dh vuq ikyuk u rks LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds Hkfo"; dh O;ogk;Z rk vkS j u gh çcU/u }kjk LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds dk;Z dykiks a ds la pkyu dh oqQ'kyrk vFkok çHkko'khyrk ds ckjs es a dks bZ vk'oklu gSA

ch-,y- vtes jk ,.M dEiuh ds fy, vkS j mudh vks j ls vks-ih- ckxyk ,.M dEiuh ds fy, vkS j mudh vks j ls lunh ys[kkdkj lunh ys [kkdkj

(la tho ekFkq j) (vks-ih- ckxyk)

(lnL;rk la - 75325) (lnL;rk la - 008858) lk>s nkj lk>snkj

,fy;kl tktZ ,.M dEiuh ds fy, vkS j mudh vks j ls lh-vkj- es grk ,.M dEiuh ds fy, vkS j mudh vksj ls lunh ys[kkdkj lunh ys [kkdkj

(FkkW elu FkkW el) (lh-vkj- es grk)(lnL;rk la - 25567) (lnL;rk la - 10988)

lk>s nkj lk>snkj

O;kl ,.M O;kl ds fy, vkS j mudh vks j ls lunh ys[kkdkj

(lh-ih- diw j)(lnL;rk la - 71275)

lk>s nkj

LFkku% eq EcbZ fnuka d% 23 vçS y] 2009



ANNEXURE – IV

AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCETo the Members ofState Bank of Bikaner and Jaipur

We have examined the compliance of conditions of corporate governance by the State Bank of Bikaner and Jaipur, for theyear ended on the 31st March, 2009 as stipulated in Clause 49 of the Listing Agreement of the State Bank of Bikaner andJaipur with Stock Exchanges.

The compliance of conditions of Corporate Governance is the responsibility of the management. Our examination waslimited to procedures and implementation thereof, adopted by the State Bank of Bikaner and Jaipur for ensuring the complianceof the conditions of the Corporate Governance. It is neither an audit nor an expression of opinion on the financial statementsof the State Bank of Bikaner and Jaipur.

In our opinion and to the best of our information and according to the explanation given to us, we certify that the State Bankof Bikaner and Jaipur has complied with the conditions of Corporate Governance as stipulated in the above mentionedListing Agreement.

We state that no investor grievance is pending for a period exceeding one month against the State Bank of Bikaner andJaipur as per the records maintained by the Shareholders’/Investors’ Grievance Committee.

We further state that such compliance is neither an assurance as to the future viability of the State Bank of Bikaner & Jaipurnor the efficiency or effectiveness with which the management has conducted the affairs of State Bank of Bikaner & Jaipur.

For and on behalf of B. L. Ajmera & Co. For and on behalf of O.P. Bagla & Co.Chartered Accountants Chartered Accountants

(Sanjeev Mathur) (O.P. Bagla)(M. No. 75325) (M. No. 008858)

Partner Partner

For and on behalf of Elias George & Co. For and on behalf of C.R. Mehta & Co.

Chartered Accountants Chartered Accountants

(Thomson Thomas) (C.R. Mehta)

(M. No. 25567) (M. No. 10988)Partner Partner

For and on behalf of Vyas & Vyas

Chartered Accountants

(C.P. Kapoor)(M. No. 71275)Partner

Place: MumbaiDate: April 23, 2009



vfHker

1- o"kZ ds nkS jku tekvksa ] vfxz eks a ,oa dq y O;olk; es a o` f¼ Øe'k%19-8»] 21-9» ,oa 20-7» jgh tks fd fiNys o"kZ ds nkS jku

mDr enks a es a jgh o` f¼ Øe'k% 31-3»] 29-0» ,oa 30-31» ls de gSA

izR;qÙkj

cS a d }kjk ntZ de o f¼ cS a dx m|ksx dh orZ eku iz ofr ds vuq #Ik gS A tekvks a dh ykxr es a deh ykus ds fy;s cS a d us o"kZ ds nkS jku mPp ykxr Fkks d tekvks a es a deh djus dk le>iw .kZ fu.kZ ; fy;k gSA cS a d us viuk è;ku dklk ,oa [kqnjk tekvks a ij ds fUnz r fd;k gSA

vuq yXud – V

xr okf"kZ d lk/kj.k lHkk fnuka d 30-05-2008 es a va 'k/kjdks a }kjk ykHk&gkfu [kkrk ,oa rq yu&i=k ls lEcfU/r fofHkUu vfHker ,oa muds iz R;q Ùkj vuq lw ph es a fn, x, gS a

2- o"kZ ds nkS jku tekvks a es a de of¼ gks us ds ckotw n tekvks a dh ykxr 6-43» jgh tks fd xr o"kZ dh ykxr 5-30» ls vf/d gSA

tekvks a dh ykxr esa o` f¼ cS a ¯dx m|ksx dh orZ eku iz o` fr ds vuq #Ik gSA

;g deh eq [; #Ik ls 31-03-2008 dks lekIr o"kZ es a ljdkjh O;olk; ls vk; ds dkj.k gq bZ gS tks #Ik;s 20-94 djks M+ (16-82

iz fr'kr) de FkhA 31-03-2007 dks lekIr o"kZ es a ljdkjh O;olk; ij deh'ku o"kZ ds nkS jku #Ik;s 30-75 djksM+ dh cdk;k iz kfIr;ks a ds dkj.k vf/d FkkA xS j C;kt vk; c<+ kus ds fy, dne mBk, x, gS a A

3- o"kZ ds nkS jku ^^deh'ku] fofue; vkS j nykyh** enksa es a #Ik;s29-00 djks M+ dh cM+ h deh gq bZ A

4- cS a d dk ifjpkyu ykHk] dk;Z 'khy dks "kks a ds iz fr'krrk ds fglkc ls] xr o"kZ ds 2-23» ls ?kVdj bl o"kZ 1-83» jgk (0-40» dh deh)A

ifjpkyu ykHk es a lq /kj ykus gs rq cS a d us f=k&vk;keh dk;Z ;ks tuk iz kjEHk dh gS ;Fkk%&

v & fuoy C;kt vk; es a lq /kj ij è;ku ds fUnz r djukA

c & xS j C;kt vk; es a la o/Z u rFkk

l & [kpks Z a es a dVkS rh

bl o"kZ (31-03-2008) cS a d us ys [kk ekud&15 (la 'kks f/r) ykxw fd;k Fkk ftlls deZ pkjh ykHk rFkk ekud es a fn;s fodYi ds vkèkkj ij 197-00 djks M+ #Ik;s (fuoy 101-44 djks M+ #Ik;s dj Ik'pkr~ ) ds la Øe.kdkyhu nkf;Roks a dk] lek;ks tu lap;ksa ,oa vf/'ks "kks a ds ekè;e ls fd;k x;kA blds ifj.kkeLo#Ik o"kZ ds nkS jku iw ¡ th ,oa la p;ks a es a o` f¼ xr o"kZ dh rq yuk es a de jghA

5- i¡ w th ,oa lap;ks a es a xr o"kZ o f¼ nj 17-67» Fkh] tks o"kZ ds nkS jku 3-60» a rd de gks x;h gS] tks fd 14-07» dh fxjkoV n'kkZ jgh gSA

fuos 'k la foHkkx esa eq [;r% ,l,yvkj iz frHkw fr;a k lekfo"V gks rh gS ftUgs a cS a d dh oS/kfud vko'drkvksa gs rq j[kk tkrk gS rFkk ,s lh iz frHkw fr;ks a ij vk; cktkj lEcfU/r gks rh gSA

6- fofu/kuks a ij vk; o"kZ nj o"kZ ?kV jgh gS tks o"kZ 2005&06 es a 8-54»] 2006&07 es a 7-84» ,oa 2007&08 es a 6-73» jghA cS a d

bu dks "kks a dk mi;ks x de iz friQy nsus okyh ljdkjh iz frHkw fr;ks a es a fuos 'k djus ds ctk; mPp iz friQy ns us okys O;olk; es a djrk rks cS ad dk ykHk vf/d vPNk gks rkA

7- cS a d ds vjf{kr vfxz e 31-03-2007 ds #Ik;s 2871-00 djks M+ ls c<+ dj] 31-03-2008 dks #Ik;s 4352-00 djks M+ gks x;s gS a ] bl iz dkj 51-58» dh o f¼ ntZ gq bZ A D;k bl iz dkj ds vfxz eks a ds fy;s iw .kZ iz koèkkku fd;k x;k gS\

vjf{kr vfxz eks a es a o` f¼ eq [; #Ik ls mPp Lrjh; lkoZ tfud ,oa futh {ks =k dh dEifu;ks a dks fn;s x;s vfxz eks a ds dkj.k gSA vjf{kr vfxz e

ldy v[kk| vfxz eks a dh fufnZ "V ½.k lhek 35» dh rq yuk es a yxHkx 18-11» gSA buds fy, iz ko/ku dh dks bZ vko';drk ugha gS D;ks a fd ;s vjf{kr vfxz e cS a d dh cfg;ks a es a ekud vkfLr;a k gS a A



OBSERVATIONS

1. The growth of deposits, advances and total business duringthe year is 19.8%, 21.9% and 20.7% respectively, which islower than the growth of 31.3%, 29.0% and 30.31% recordedunder these heads during the previous year.

2. Despite lower growth of deposits during the year, the costof deposits increased to 6.43% during the year from 5.30%of the previous year.

3. There is a substantial reduction of Rs.29.00 crore during

the year under the head “Commission, Exchange andBrokerage”.

REPLIES

The lower growth recorded by the Bank is in line with the industrytrend. The Bank has taken a conscious decision during this yearto shed high cost bulk deposits, to bring down the cost ofdeposits. The focus has been on CASA and retail deposits.

ANNEXURE – V

SHAREHOLDERS’ QUERIES WITH REGARD TO PROFIT AND LOSS ACCOUNT AND BALANCE SHEET,RAISED IN THE LAST ANNUAL GENERAL MEETING HELD ON MAY 30, 2008, AND THEIR RESPONSES

The increase in cost of deposits is in line with trends in the industry.

The reduction was primarily on account of income from Govt.

Business for the year-ended 31.03.2008, which was lower byRs.20.94 crores (16.82%). The Government Commission for theyear ended 31.03.2007 was high due to receipt of arrears of

Rs.30.75 crores during that year. Steps have been initiated toincrease the Non Interest Income.

A three way strategy has been adopted by the Bank to bring aboutan improvement in the operating profits, comprising:-

A. - Focus on improvement in the Net Interest Income

B. - Augmentation of Non Interest Income, and

C. - Curtailment of expenditure

In the relevant year, the Bank had implemented AccountingStandard 15 (Revised) - Employees Benefits and as per optiongiven in the Standard, the transitional liability of Rs.197.00 crores(net of tax of Rs.101.44 crore) was adjusted through reserves

and surplus at one stroke. As a result of this, there was a lowergrowth in Capital and Reserves during the year as compared toprevious year.

The investment portfolio comprises mainly of SLR securities, whichthe bank is statutorily required to hold. The yield on such securitiesis market related.

4. The Operating Profit of the Bank as percentage to workingfunds has also declined from 2.23% of previous year to1.83%, i.e. reduction of 0.40%.

5. The growth in Capital and Reserves during the previous yearin percentage terms was 17.67%, which is reduced to 3.60%during the year showing a decline of 14.07%.

6. The yield on investment is declining year on year from 8.54%in year 2005-06 to 7.84% in the year 2006-07 and 6.73% inthe year 2007-08. Had the Bank utilized these funds inbooking business yielding high returns rather than investing

in Govt. Securities yielding low return, the Bank’s profit wouldhave been more handsome.

7. The Bank’s unsecured advances increased from Rs.2871.00crores as on 31.03.2007 to Rs.4352.00 crores as on31.03.2008, thus recording an increase of 51.58%. Havethese advances been fully provided for ?

Increase in unsecured advance is primarily on account of

advances to blue chip public and private sector companies.Exposure to unsecured advances is around 18.11% of Gross NonFood Advances against exposure limit of 35%.

No provision is required to be maintained, as these unsecuredadvances are standard assets in the books of the Bank.



vuq yXud – VI

ckls y&II çdVhdj.k Hkkjrh; fj”koZ cS a d ds fn'kk&funZ s 'kks a ds vuq lkj] cS a d fnuka d 31-03-2008 dks ckls y&II Ús eodZ viuk pq dk gSA Ús eodZ ds fiyj&III ds va rxZ r]

cS a d ds ckls y&II çdVhdj.k fnukad 31-03-2009 dks fuEukuq lkj gS% i¡ w th çcU/u

i¡ w th çcU/u dk mís '; ;g lq fuf'pr djuk gS fd cS a d }kjk fu/kZ fjr O;olk; O;w gjpuk dk;kZ Uo;u ds fy;s cS a d ds ikl i;kZ Ir i¡ w th miyCèk gS vkS j foijhr foi.ku fLFkfr;ks a ,oa ckgjh dkjdks a ds dkj.k mRiUu vçR;kf'kr la dVks a ls ikj ikus ds fy, cS a d ds ikl i;kZ Ir oq Q'ku Hkh miyC/ gSA9» ds fofu;ked U;w ure Lrj ds fo#¼ 12» i¡ w th i;kZ Irrk vuq ikr dks cuk;s j[kuk cS a d dk mís '; gSA (Lrjh;&I i¡ w th U;w ure 8» lfgr)A

fofu;ked U;w ure ds Åij vkf/D; i¡ w th] Hkkoh vfxz e O;olk; o f¼ dks leFkZ u çnku djus rFkk lkFk gh lkFk fdlh Hkh vçR;kf'kr ?kVuk ls fuiVus ds fy, ,d lq j{kk Hk.Mkj dk dk;Z djs xh] ftlls ;g lqfuf'pr fd;k tk lds fd foijhr ifjfLFkfr;ks a es a Hkh cS a d dk i¡w th i;kZIrrk vuq ikr fofu;ked U;w ure Lrj ls uhps ugha vk ldsA

tks f[ke çcU/u tks f[ke] i¡ w th ,oa vk; ds eè; lEcU/ks a ds o` gn~ lUnHkZ es] cS a d }kjk tksf[ke çcU/u çfØ;k,¡ ,oa O;ogkj fodflr fd;s x;s gS a A ea+ My }kjk fu/kZ fjr mís ';] cS ad dh tks f[ke ys us dh {kerk dks fuf'pr djrs gS a ] tks fd cS a d dh i¡ w th vk;ks tuk ,oa fu"iknu çcU/u ds fy, ,d egRoiw .k± dkjd gS aA cS a d }kjk fu"ikfnr fd;s tkus okys O;olk; es a tks f[ke ço fÙk ,d vf/dre tks f[ke gks rk gS] tks cS a d ogu djus dk bPNq d

gS rkfd foijhr ifjfLFkfr;ks a es a Hkh cS a d dh ykHkçnrk ,oa i¡ w th vk/kj lq jf{kr j[kk tk lds a A bu tksf[keks a dk çcU/u] lhekvks a vFkok fuokjd fcUnqvks a dks] i¡ w th] vk; dh vfLFkjrk ,oa dsUæhÑr tks f[keks a ds leLr vk;keks a ds fy;s ç;ksx fd;k tk jgk gSA lq ifjHkkf"kr vf/dre tks f[ke ço fÙk }kjk bu lhekvks a dk fu/kZ j.k fd;k tkrk gSA ,dhÑr tks f[ke çcU/u n f"Vdks .k dks viukrs gq ,] cS a d lq fuf'pr djuk pkgrk gS fd tks f[keks a dh igpku djus ,oa mudks ifjekf.kr djus] çHkkoh tks f[ke çcU/u ç.kkyh dks fodflr djus ds lkFk] vk; ,oa tks f[ke es a ,d mfpr lUrq yu cuk;k tk ldsA fof'k"V tks f[keks a ds ds Uæhdj.k dks nw j fd;k tk lds ] mfpr i¡ w th <k¡ pk rS ;kj fd;k tk lds] la lk/uks a ds b"Vre vkoa Vu dks çkIr fd;k tk lds rFkk mPp vkfLr xq .koÙkk dks fujUrj cuk;s j[kk tk ldsA ;g cS ad dh foÙkh; fLFkfr lqn < djus ,oa va 'k/kjdks ds fy;s vf/dre ykHk vftZ r djus es a ;ks xnku ns rk gSA cS ad o` gn~ :i ls tks f[ke çdkjksa dks fuEukuqlkj oxhZ Ñr ,oa ikfjHkkf"kr djrk gS% lk[k tks f[ke çfri{kdkjks a dh lk[k dh fLFkfr es a fxjkoV }kjk mRiUu lk[k vkfLr;ks a es a foÙkh; gkfu dk tks f[ke (vkW iQ&cS ys a l 'khV foys [kks a

lfgr)A foi.ku tks f[ke ekdZ s V dkjdks a ds foijhr fn'kk es a tkus] tS ls C;kt njks a ] çfrHkw fr;ks a dk ew Y; ,oa fons 'kh fofue; njks a es a vk;s ifjorZ uksa ds

}kjk iM+ us okys foijhr çHkkoks a ls cS ad dh vkfLr;ks a ,oa ns ;rkvksa ds ew Y;ks a ls mRiUu foÙkh; gkfu;k¡ A rjyrk tks f[ke tc fcuk vLohdk;Z gkfu;ks a ds cS a d viuh ns ;rkvksa dks ns ; frfFk ij iw jk djus es a vleFkZ yxss] bl dkj.k ls mRiUu cS ad dh vk; ,oa i¡ w th dk tks f[keA

ifjpkyu tks f[ke vi;kZ Ir vFkok vdkjxj vkUrfjd çfØ;kvks a ] yks xks a vFkok ç.kkyh ds vliQy jgus ij vFkok fdUgha vU; ckgjh ?kVukvks a ds ifj.kkeLo:i gkfu dk tks f[keA

cS a ¯dx cgh es a C;kt ;g ,d ,s lk tks f[ke gS tc C;kt njks a esa vk;s ifjorZ uks a ds dkj.k cS a d dh foÙkh; vkfLr;ks a ds ew Y;ks a es a dksbZ deh vk nj tks f[ke tkrh gS vkS j@vFkok cS a d dh ns ;rkvks a ds ew Y; es a o` f¼ gks tkrh gSA C;kt nj tks f[ke çkFkfed rkS j ij vkfLr;ksa ,oa ns ;rkvksa

es a ifjiDork vlUrq yu ls mRiUu gks rk gS A bldk lexz mís '; C;kt nj tks f[ke ls pkyw ,oa Hkkoh vk; vfLFkjrk dk çcUèk djuk gSA

cS a d ds lexz tks f[ke çcU/u ds fy, bldh fuEufyf[kr tks f[ke çcU/u lfefr;k¡ gS a % cks MZ dh tks f[ke çcU/u lfefr] lk[k tks f[ke çcU/u lfefr] foi.ku tks f[ke çcU/u lfefr ,oa ifjpkyukRed tks f[ke çcU/u lfefrA bu lfefr;ks a ds vfrfjDr] cS a d dh vkfLr ,oa ns ;rk çcUèku lfefr ,oa cS ys a l 'khV çcU/u lew g] lrr~ :i ls rjyrk iFk ,oa nj la os nu'khyrk dk fu/kZ j.k djus ds fy, vkfLr;ks a ,oa ns ;rkvks a dh fuxjkuh djrh gS a A fofHkUu tks f[ke çcU/u lfefr;k¡ xq .kkRed ,oa ifjek.kkRed ifjçs{;ks a ds n` f"Vdks .k ls fofHkUu çdkj ds tks f[keks a ij ppkZ djrh gS a ,oa mudk xfr'khyrkiw oZ d çcU/u Hkh djrh gS a A bu lfefr;ks a }kjk fd;s x;s fopkj&foe'kks ± ds vk/kj ij fofHkUu çdkj ds tksf[keks a ds fy, cS a d dk funs 'kd e.My] cS a d dh tks f[ke çcU/u uhfr;ks a dk fu/kZ j.k djrk gSA ckls y&II <k¡ ps ij Hkkjrh; fj”koZ cS a d }kjk fn;s x;s funZ s 'kks a ds lUnHkZ es a ] cS ad us lk[k tks f[ke ds fy, ekudhÑr n f"Vdks .k] foi.ku tks f[ke ds fy, ekudhÑr vof/ n` f"Vdks .k rFkk ifjpkyukRed tks f[ke ds fy, csfld bf.Mds Vj n` f"Vdks .k dks va xhdkj fd;k gSA fiyj&I ds vuq lkj fofu;ked i¡ w th vko';drk x.kuk ds vfrfjDr] cS a d rjyrk tks f[ke ,oa C;kt nj tks f[ke dk vkdyu djrk gS rFkk ekdZ s V ds nckoks a ,oa ckgjh dkjdks a ls iM+ us okys foijhr çHkkoks a dks >s yus ds fy, dq 'ku ds :i es a i¡ w th dh i;kZ Irrk dk fu/kZ j.k djus ds fy, fu;fer vk/kj ij nkc ijh{k.k Hkh djrk jgrk gSAHkkjrh; fj”koZ cS ad ds fn'kk&funZ s 'kks a ,oa gekjh çdVhdj.k uhfr ds lUnHkZ es a xq .kkRed ,oa ifjek.kkRed çdVhdj.k] çdVhdj.k lkj.kh (DT) 1

ls 10 esa la yXu gSA



ANNEXURE – VI

BASEL-II DISCLOSURES

As per RBI guidelines, the Bank has migrated to Basel-II framework as on 31.03.2008. Under Pillar-III of the framework, Bank’s“Basel-II Disclosures” as on 31.03.2009 are as under:

Capital Management

Capital management is aimed at ensuring that there is sufficient capital to meet the requirement of the Bank as determined by itsunderlying business strategy and also that sufficient cushion is available to absorb unexpected shocks that could arise out ofadverse market conditions and external factors.

The Bank aims to maintain Capital Adequacy Ratio (CAR) at 12% against the regulatory minimum level of 9% (with Tier-I capital ata minimum of 8%). Excess capital above the regulatory minimum is for supporting anticipated future business growth and to serveas a buffer for any unexpected shocks thereby ensuring that the Bank’s CAR does not fall below the regulatory minimum level evenin adverse conditions.

Risk Management

The risk management processes and practices employed by the Bank have been developed in the wider context of the relationshipsbetween risk, capital and earnings.

The strategic objectives set by the Board determine the Bank’s risk appetite, which is an important input for its capital planning andperformance management. Risk appetite is the maximum risk the Bank is willing to accept in executing its business strategy whilestaying protected against events that may have an adverse impact on its profitability and capital base. Risks are being managedby using limits or checkpoints set across all dimensions of capital, earnings volatility and concentration risk. These limits aredetermined by a well-defined maximum risk appetite.

By adopting an integrated risk management approach, the Bank seeks to improve its methods for identifying and quantifying risks,to develop a more effective risk management system, to achieve a stable balance between earnings and risk, to eliminateconcentrations of specific risks, to create an appropriate capital structure, to achieve optimal allocation of resources, and tosustain high asset quality. This contributes to the strengthening of the financial health of the Bank and maximizing of shareholders’value.

The Bank broadly classifies and defines risk types as under:

Credit Risk The risk of financial loss in credit assets (including off-balance sheet instruments) caused by deterioration inthe credit conditions of counterparties.

Market Risk The risk of financial loss where the value of assets and liabilities could be adversely affected by changes inmarket variables such as interest rates, securities prices and foreign exchange rates.

Liquidity Risk The risk to earnings and capital arising from a bank’s potential inability to meet its liabilities when they becomedue without incurring unacceptable losses.

Operational Risk The risk of loss resulting from inadequate or failed internal processes, people or systems, or from externalevents.

Interest Rate Risk The risk that the value of bank’s financial assets may decrease and/or the value of the bank’s liabilitiesin Banking Book may increase because of changes in interest rates. Interest Rate Risk arises primarily from the maturity

mismatch of assets and liabilities. The overall objective is to manage current and future earnings sensitivity tointerest rate risk exposure.

The Bank has the following risk management committees in place for its overall risk management: Risk Management Committee of

the Board, Credit Risk Management Committee, Market Risk Management Committee and Operational Risk Management Committee.Besides these committees, the Bank’s Assets-Liabilities Management Committee (ALCO) and Balance Sheet Management Groupmonitor the build-up of assets and liabilities across maturities for liquidity tracking and assessing rate sensitivity on an ongoing basis.

The various risk management committees discuss and dynamically manage the different types of risks both from qualitative andquantitative perspectives. The Board of Directors lays down the Bank’s risk management policies for various types of risk based onthe discussions held by these committees.

In terms of RBI guidelines on Basel-II framework, the Bank has adopted the Standardised Approach for Credit Risk, StandardisedDuration Approach for Market Risk and Basic Indicator Approach for Operational Risk. In addition to regulatory capital requirementof computation as per Pillar-I, the Bank also assesses Liquidity Risk and Interest Rate Risk, and carries out stress tests on a regularbasis to assess adequacy of the capital available as a cushion to withstand shocks from market forces and external factors.

Qualitative and quantitative disclosures in terms of RBI guidelines and our Disclosure Policy are appended in the Disclosure Tables(DT) 1 to 10.



çdVhdj.k lkj.kh & 1% ykxw {ks =k

ckls y&II <k¡ pk] cS a d es a ,dy Lrj ij ykxw gSA bldh dks bZ vuq "ka xh ugha gSA rFkkfi] ,ethch xz keh.k cS a d] ikyh (ftles a cS a d dk 35» 'ks ;j gS) esa fuos 'k dks Lrjh;&I ,oa Lrjh;&II i¡ w th es a ls çR;s d es a 50&50» dh dVkS rh dh xbZ gSA

çdVhdj.k lkj.kh&2% i¡ w th <k¡ pk

xq .kkRed çdVhdj.k

(v) lkjka 'k%

i¡ wth dk çdkj fo'ks "krk,¡

bfDoVh (Lrjh;&I) tkjh va 'k Hkkjrh; LVs V cS a d (75») ifCyd (25»)

uoks Ues "kh foys [k uoks Ues "kh 'kk'or ½.k ckW .M~ l% cs tekurh] vifjorZ uh;] v/huLFk] çkW ehljh uks V ds :i es a 'kk'or ckW .M~ l] 10 o"kZ Lrjh;&I ds i'pkr~ ek¡ x fodYi ,oa LVs i&vi dw iu (ml le; Hkkjrh; fjtoZ cS a d ls çkIr vuq eks nu dh 'krZ ij)

Lrjh;&II v/huLFk ½.k foys [k] mnkgj.kkFkZ cS a d }kjk tkjh vij Lrjh;&II ,oa yksvj Lrjh;&II ckW.M~l cs tekurh] eks puh; ,oa vifjorZ uh; ckW .M~ l gS aA vij Lrjh;& II ckW .Mks a ds fy, ek¡ x fodYi 10 o"kZ ds i'pkr~ (ml le; Hkkjrh; fj”koZ cS a d ls iz kIr vuq eks nu dh 'krZ ij) miyC/ gSAvof/% 111 eghuks a ls 180 eghuks a dh lhek rd

Lrjh;&I ,oa Lrjh;&II ½.k fuxZ eks a dk foLr` r fooj.k ifjf'k"V&I es a fn;k x;k gSA

ifjek.kkRed çdVhdj.k% (#i;s djks M+ es a )

( c ) Lrjh;&I iw ¡ th : 2197.02

pqdrk iw ¡ th : 50.00

vkjf{kr fuf/ : 1996.47

uoks Ues "kh foys [k : 200.00

vU; iw ¡ th foys [k : 0.00 Lrjh;&I i¡ w th es a ls dkVh xbZ jkf'k : 49.45

(vkLFkfxr dj&vkfLr ,oa {ks =kh; xz keh.k cS a d es a fuos'k)

( l ) oqQy ik=k Lrjh;&II i¡ wth (dVks fr;ks a dh fucy jkf'k) : 1574.98

[ uhps fn;s x;s (n)] (;)] (; I) vkS j j dk lUnHkZ ys a ] ](l1)dqy ik=k Lrjh;&III i¡ w th] ;fn dks bZ gks : 0.00

( n ) vij Lrjh;&II i¡w th es a 'kkfey djus gs rq ik=k ½.k i¡ w th foys [k : 450.00

oq Qy cdk;k jkf'k : 450.00

ftles a ls o"kZ ds nkS jku mBkbZ xbZ jkf'k : 0.00

i¡ w th ds :i esa x.kuk gsrq ik=k jkf'k : 450.00

( ; ) yksvj Lrjh;&II i¡ w th es a 'kkfey djus gs rq ik=k v/huLFk ½.k : 1000.00

oq Qy cdk;k jkf'k : 1000.00

ftles a ls o"kZ ds nkS jku mBkbZ xbZ jkf'k : 0.00

i¡ w th ds :i esa x.kuk gsrq ik=k jkf'k : 1000.00

(; I) lkekU; çko/ku ,oa gkfu vkjf{kfr;ka : 131.87

( j ) i¡ w th es a ls dh xbZ vU; dVkS fr;k¡ ] ;fn dks bZ gks a : 6.89

( y ) dq y ik=k i¡ w th (Lrjh;&I ,oa Lrjh;&II i¡ w th : 3772.00

es a ls dh xbZ dVkS fr;ks a dh fuoy jkf'k)[(c)] (l) ,oa (l1) dk dq y ;ks xa ]



DT-1 : SCOPE OF APPLICATION

Basel-II framework is applicable to the Bank at solo level. It has no subsidiary. However, investment in MGB Gramin Bank,Pali (in which Bank has 35% equity stake) has been deducted from Tier-I and Tier-II capital -50% each.

DT-2 : CAPITAL STRUCTURE:

Qualitative Disclosures:

(a) Summary :

Type of Capital Features

Equity Shares issued to(Tier-I) SBI (75%)

Public (25%)

Innovative Innovative Perpetual Debt Bonds: Unsecured, non-convertible, subordinated, perpetual Bonds in theInstruments nature of Promissory Notes. Call option and step-up coupon available after 10 years (subject to RBI

(Tier-I) approval at the time).

Tier-II Subordinated Debt Instruments i.e. Upper Tier-II and Lower Tier-II bonds issued by the Bank areunsecured, redeemable, non-convertible bonds. Call option available for Upper Tier-II bonds after10 years (subject to RBI approval at the time) Period : ranges from 111 months to 180 months

Details of Tier-I and Tier-II debt issues given in Appendix I.

Quantitative Disclosures : (Rs. in Crores)

(b) Tier-I Capital : 2197.02

Paid-up Share Capital : 50.00

Reserves : 1996.47

Innovative Instruments : 200.00 Other Capital Instruments : 0.00

Amount deducted from Tier-I Capital : 49.45

(i.e. Deferred Tax Asset & Investment in RRB)

(c ) Total Eligible Tier -II Capital (Net of deductions) : 1574.98

[refer (d), (e), (e1) and (f) below]

(c1) Total Tier-III capital, if any : 0.00

(d) Debt Capital Instruments eligible for inclusion in Upper Tier-II capital : 450.00

Total amount outstanding : 450.00

Of which raised during current year : 0.00

Amount eligible for being reckoned as Capital : 450.00

(e) Subordinated Debt eligible for inclusion in Lower Tier-II Capital : 1000.00

Total amount outstanding : 1000.00

Of which amount raised during current year : : 0.00

Amount eligible for being reckoned as Capital : 1000.00

(e1) General provision from Capital, if any : 131.87

(f) Other Deductions from Capital, if any : 6.89

(g) Total Eligible Capital (net of deductions : 3772.00

from Tier I & Tier II Capital)[Total of (b), (c) & (ci)]



çdVhdj.k lkj.kh & 3% i¡ w th i;kZ Irrk

xq .kkRed çdVhdj.k

(v) lkekU; xq .kkRed iz dVhdj.k

cS a d dh vkbdki (ICAAP) dh uhfr cks MZ ls vuq eksfnr gSA

pkyw O;olk; Lrj ,oa vuq ekfur Hkkoh O;olk; ds fy, i¡ w th dh vko';drk dk fu/kZ j.k vkbdki }kjk fd;k x;k gSA

i¡ w th i;kZ Irrk vuq ikr ckls y&I ,oa cklsy&II ds fn'kk&funZ s 'kks a ds vuq lkj fudkyk x;k gSA i¡ w th i;kZ Irrk dk vkdyu fofu;ked U;w ure 9» ds Lrj ds Åij vk¡ dk x;k gSA

ifjek.kkRed çdVhdj.k (#i;s djks M+ es a )

( c ) lk[k tks f[ke ds fy, i¡ w th dh vko';drk ekudhÑr n` f"Vdks .k ds va rxZ r : 2073.57

( l ) foi.ku tks f[ke ds fy, i¡ w th dh vko';drk ekudhÑr vof/ n` f"Vdks .k : 62.91

(

n )

ifjpkyukRed tks f[ke ds fy, i¡ w th dh vko';drk cs fld bf.Mds Vj n` f"Vdks .k : 201.95

fofu;ked U;w ure 9» ds Lrj ij oq Qy i¡ w th dh vko';drk : 2338.43

( ; ) oq Qy ,oa Lrjh;&I i¡ w th i;kZ Irrk vuq ikr % oq Qy i¡ w th i;kZ Irrk vuqikr : 14.52 %

% Lrjh;&I i¡ wth i;kZ Irrk vuqikr : 8.46 %

çdVhdj.k lkj.kh&4% lk[k tks f[ke% lkekU; çdVhdj.k (bZ fDoVh lfgr) xq .kkRed çdVhdj.k%

(v)lkekU; xq.kkRed çdVhdj.k

I.

vutZ d (Impaired) vkfLr;ks a dh ifjHkk"kk% cS a d bu Js f.k;ksa ds fy, Hkkjrh; fj”koZ cS a d dh ekS tw nk ifjHkk"kkvks a dk ikyu dj jgk gSA (ç;q Dr ifjHkk"kk,¡ ifjf'k"V&II es a nh xbZ gS a )A

II. lk[k tks f[ke çcU/u %

tks f[ke xous ± l <k¡ pk ekS tw n gS (laxBu pkVZ ifjf'k"V&VI ds vuq lkj)

lk[k tks f[ke çcU/u lfefr ,oa cks MZ dh tks f[ke çcU/u lfefr çeq [k lfefr;k¡ gS a ] tks lk[k tks f[ke çcU/u dh leh{kk djrh gS a A

lk[k tksf[ke ls lEcfU/r cks MZ }kjk vuq eks fnr uhfr;k¡ fuEukuq lkj gS a % lk[k tks f[ke çcU/u ,oa ½.k uhfr lk[k tks f[ke ç'keu ,oa lEik£'od çcU/u uhfr nkc ijh{k.k uhfr

cS a d dh uhfr;k¡ cs grj lk[k tks f[ke çcU/u dh vko';drkvks a ,oa tks f[ke la ds Uæ.k dks nw j djus dh vko';drkvksa dk è;ku j[krh gS a A

bu uhfr;ks a dh leh{kk vkof/d vUrjkyksa ij dh tkrh gSA

,dy ½.kh] lew g vfLrRoks a ] fofHkUu Jsf.k;ks a ds ½f.k;ks a ] fof'k"V m|ks x@{ks =k vkfn ds fy, ½.k tks f[ke lhek,¡ fu/kZ fjr dh xbZ gS aA

ew Y;ka du ,oa Lohd fr] çys [ku] fujh{k.k ,oa vuq Jo.k] uohuhdj.k] j[k&j[kko] iq uokZ l ,oa vkfLr;ks a ds çcU/u ds fof'k"V ekun.Mks a ,oa fn'kk&funZ s 'kks a dk fu/kZ j.k] lk[k tks f[ke çcU/u ,oa ½.k uhfr es a fd;k x;k gS rFkk lkFk gh lkFk mfpr çkfèkdkjh <k¡ ps ds vUrxZ r vuq er uoks Ues "k.k ,oa fopyu ds fy, i;kZ Ir xqa tkb'k dk çko/ku fd;k x;k gSA

vfxz eks a dk nkc ijh{k.k =kS ekfld va rjky ij lhvkj,elh ,a o vkj,elhch ds le{k leh{kk gs rq j[kk tkrk gSA



DT-3 CAPITAL ADEQUACY


(a) General Qualitative Disclosures

Bank has a Board-approved ICAAP Policy

Capital requirement for current business levels and estimated future business has been assessed as per ICAAP

CAR has been worked out based on Basel-I and Basel-II guidelines. CAR is estimated to be above the regulatoryminimum level of 9%

Quantitative Disclosures: (Rs. in Crores)

(b) Capital requirements for credit risk :

Portfolios subject to standardised approach : 2073.57

(c) Capital requirements for market risk :

Standardised duration approach : 62.91

(d) Capital requirements for operational risk :

Basic indicator approach : 201.95

Total Capital Requirement at regulatory minimum level of 9% : 2338.43

(e) Total and Tier I capital adequacy ratio : Total CAR : 14.52 %: CAR (Tier-I) : 8.46 %

DT-4 CREDIT RISK: GENERAL DISCLOSURES: (INCLUDING EQUITIES) :


(a) General Qualitative Disclosures

I. Definitions of “Impaired Assets”: Bank is following extant RBI definitions of these categories. (The definitionsused are given in Appendix-II).

II. Credit Risk Management:

Risk Governance Structure is in place (organizational chart as per Appendix-VI).

Credit Risk Management Committee (CRMC) and Risk Management Committee of the Board (RMCB) arethe principal committees that review credit risk management

Following Board-approved policies with regard to credit risk are in place:

Credit Risk Management and Loan Policy

Credit Risk Mitigation & Collateral Management Policy

Stress Testing Policy

Bank’s policies take into account the need for better credit risk management and avoidance of risk concentration

Policies are reviewed periodically.

Exposure limits for Single Borrower, Group Entities, different categories of borrowers, specific industry /

sector, etc. have been stipulated.

Specific norms and guidelines for appraisal and sanction, documentation, inspection and monitoring, renewal,maintenance, rehabilitation and management of assets have been stipulated in the Credit Risk Managementand Loan Policy, with provision of adequate leg room for innovation and deviation permissible under aproper authority structure.

Stress test on advances is carried out at quarterly intervals and placed before the CRMC and RMCB for review.



Quantitative Disclosures:

b) Total Gross Credit Exposures (Fund-Based and Non-Fund based separately), without taking into account the effect ofCredit Risk Mitigation techniques, e.g. Collaterals and Nettings.

(Rs. in Crores)

EXPOSURE AMOUNT TOTAL

FUND-BASED LOANS & ADVANCES 30100.07

OTHERS(other assets include claims on 5478.13Govt./RBI, balances with banks,call lendings, inter-office balances,premises, FEF etc) 35578.20

NON-FUND-BASED LCs, BGs. $ 3202.60

FORWARD CONTRACTS, etc. $ 8113.12

OTHERS(includes un-utilised limit, 2748.38

underwriting & standby commitments,claims against bank not acknowledgedas debts and income tax demand) 14064.10

INVESTMENTS 8410.40 8410.40(Banking Book only)

GRAND TOTAL OF CREDIT RISK EXPOSURE 58052.70

$ Gross exposure without applying credit conversion factor.

(Rs. in Crores)

(c) Geographic Distribution of Credit Risk Exposure:

DOMESTIC 58052.70

OVERSEAS 0.00

(d) Industry-wise distribution of exposures (Fund-based and Non-Fund-based) :

As per Appendix-III (a) and (b)

(e) Residual Contractual Maturity Breakdown of Assets & Interest Rate Sensitivity

As per Appendix-IV (a), (b), (c) and (d)

(f) Amount of Gross NPAs 490.33

Substandard 196.70

Doubtful- 1 137.01

Doubtful-2 90.07

Doubtful-3 21.23

Loss 45.32

(g) Net NPAs 252.94

(h) NPA Ratios

Gross NPA to Gross Advances 1.63%

Net NPA to Net Advances 0.85%

(i) Movement of Gross NPAs

Opening balance (as on 01.04.2008) 437.31

Additions 336.02

Reductions 283.00

Closing balance (as on 31.03.2009) 490.33



( "k ) xS j&fu"ikfnr vkfLr;ks a ds iz ko/kuks a es a mrkj&p<+ ko% iz kjfEHkd 'ks "k (01-04-2008 dks) 228.22vof/ ds nkS jku fd;s x;s iz ko/ku 56.03vof/ ds nkS jku fd;s x;s viys [ku 46.86vof/ ds nkS jku vkf/D; iz ko/kuks a dk iq ujka du 0.00vfUre 'ks "k (31-03-2009 dks) 237.39

( l ) cS a fdax cgh es a xS j&fu"ikfnr fuos 'kksa (ldy) dh jkf'k 8.28

( g ) xS j&fu"ikfnr fuos 'kks a (cS a ¯dx cgh) ds fy, fd;s x;s iz ko/ku dh jkf'k 0.83

({k ) fuos 'kksa ij ew Y;ßkl ds fy, iz ko/kuks a es a mrkj&p<+ ko&cS a dx cgh iz kjfEHkd 'ks "k (01-04-2008 dks) 1.72vof/ ds nkS jku fd;s x;s iz ko/ku 0.83viys[ku 1.72vkf/D; iz ko/kuks a dk iq ujka du 0.00vfUre 'ks "k (31-03-2009 dks) 0.83

iz dVhdj.k lkj.kh&5% lk[k tks f[ke% ekudhÑr n f"Vdks .k ds vk/kj ij iks VZ iQks fy;ks iz dVhdj.k

xq .kkRed izdVhdj.k%5(v ) xq .kkRed iz dVhdj.k fVIi.kh

I mi;ks x dh xbZ ØsfMV js fVa x ?kjs yw Øs fMV js fVa x ,ts fUl;k¡ % fØfly] bdjk] dsvj ,oa fiQp bf.M;k ,tsfUl;ks a ds uke vUrjkZ "Vª h; js fVa x ,tsfUl;k¡ (IRA)% fiQp] ew Mht ,oa ,l ,.M ih

II. vfHkKkfur js fVa x ,ts fUl;ks a dks bZ ifjorZ u ugha es iq oZ vof/ çdVhdj.k ls ifjorZ u] ;fn dks bZ gks] ,oa muds dkj.k

III ½.k tks f[keks a ds çdkj] fofHkUu çdkj ds ½.k tks f[keks a ds fy,] vfHkKkfur js fVa x ,ts Ulh dh js fVa x dk ç;ks x fuEukuq lkj ftuds fy, çR;s d ,ts Ulh fd;k tkrk gS%

dk ç;ks x fd;k tkrk gS@ (i) ,d o"kZ ls de ;k blds leku vof/ dh la fonkRed ifjiDork lfgr ½.k tks f[keks a ç;ks x fd;k tkuk gSA (udn lk[k] vf/fod"kZ ,oa vU; ifjØkeh lk[kks a dks Nks M+ dj) ds fy;s vYikof/ js ¯VXk

ykxw gksxhA(ii) ?kjs yw udn lk[k] vf/fod"kZ ,oa vU; ifjØkeh lk[kks a (vof/ ij fopkj fd;s fcuk) ,oa ,d

lky dh vof/ ds Åij nh?kkZ of/ ½.kksa ds fy, nh?kkZ of/ js ¯VXk ykxw gksxhA(iii) leq æikjh; ½.k tks f[keks a ds fy,] lafonkRed ifjiDork ij fopkj fd;s fcuk] vkbZvkj, }kjk

nh xbZ nh?kkZ of/ js ¯Vx ykxw gks xhA

nh?kkZ of/ fuxZ e fof'k"V js ¯VXk (gekjs futh ½.k tks f[ke vFkok mlh ½.kh&xz [email protected] ikVhZ }kjk vU; tkjh ½.k) vFkok fuxZ edrkZ (½.kh&xz [email protected] ikVhZ )] js fVa x fuEufyf[kr ekeyks a es a mlh ½.kh&xz [email protected] ikVhZ dks vU; fcuk js fVa x fd;s x;s ½.k tksf[keksa es a ykxw fd;k tk ldrk gSA

(i) vxj fuxZ e fof'k"V js fVa x vFkok fuxZ edrkZ js fVa x mlh dkm.Vj ikVhZ ij] fcuk js fVa x ½.k tks f[ke ij leku tks f[ke Hkkj vFkok mlls vf/d tks f[ke Hkkj dks çfrfpf=kr djrk gS] rks ml ij ogh tks f[ke Hkkj leuq nsf'kr fd;k tk;s xk] vxj ½.k tks f[ke lc rjg ls js fVa x fd;s x;s ½.k tks f[ke ds cjkcj vFkok de gSA

(ii) mu ekeyksa es a tgk¡ ½.kh&xz [email protected] ikVhZ us dks bZ ½.k tkjh fd;k gS (tks fd gekjs cS a d ls m/kjh ugha gS)] ml ½.k dks nh xbZ js fVa x cS a d ds fcuk jsfVa x fd;s x;s ½.k tks f[ke ij ykxw dh tk ldrh gS vxj cS a d dk ½.k tksf[ke fof'k"V js fVa x fd;s x;s ½.k tks f[ke ds cjkcj vFkok ofj"B gS vkS j cS a d dk fcuk js fVa x fd;k x;k ½.k tksf[ke] js fVa x fd;s x;s ½.k dh ifjiDork ds ckn okyk ugha gSA

IV cS a fda x cgh es a lkoZ tfud fuxZ fer js fVa x dk rq yukRed vkfLr;ks a es a vUrj.k ds fy, ç;q Dr çfØ;kvks a dk o.kZ u



(j) Movement of NPA Provisions:Opening balance (01.04.2008) 228.22Provisions made during the period 56.03Write-offs during the period 46.86Write-back of excess provisions during the period 0.00Closing balance (31.03.2009) 237.39

(k) Amount of Non-Performing Investments (gross) Banking Book 8.28

(l) Amount of Provisions held for Non- Performing Investments (Banking Book) 0.83

(m) Movement of Provision for Depreciation on Investments - Banking BookOpening Balance (01.04.2008) 1.72Provisions made during the period 0.83Write offs 1.72Write-back of excess provisions 0.00Closing Balance (31.03.2009) 0.83

DT-5 CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO STANDARDISED APPROACH:


5(a) Qualitative Disclosures Remarks

I Names of credit rating Domestic Credit Rating Agencies: CRISIL, ICRA, CARE and Fitch Indiaagencies used International Rating Agencies (IRA):Fitch, Moody’s and S& P

II. Changes, if any, since No changeprior period disclosuresin the identified ratingagencies and reasonsfor the same

III. Types of exposures for Ratings done by the identified rating agency are to be used for various types of exposures

which each agency has as follows:beed used/ to be used (i) For exposures with a contractual maturity of less than or equal to one year (exceptCash Credit, Overdraft and other Revolving Credits), Short-term Ratings will beapplicable.

(ii) For domestic Cash Credit, Overdraft and other Revolving Credits (irrespective ofthe period) and for Long Term exposures of over 1 year, Long Term Ratings will beapplicable.

(iii) For overseas exposures, irrespective of the contractual maturity, Long Term Ratingsgiven by IRAs will be applicable.

Long-term issue-specific ratings (our own exposures or other issuance of debt by thesame borrower-constituents/counter-party) or issuer (borrower-constituents/ counter-party) ratings can be applied to other unrated exposures of the same borrower-

constituents / counter-party in the following cases :

(i) If the issue-specific rating or issuer rating maps to a risk weight equal to or higherthan the unrated exposures any other un-rated exposure on the same counter-party will be assigned the same risk weight, if the exposure ranks pari-passu orjunior to the rated exposure in all respects.

(ii) In cases where the borrower-constituent/ counter-party has issued a debt (whichis not a borrowing from our Bank), the rating given to that debt may be applied toBank’s unrated exposures if the Bank’s exposure ranks pari-passu or senior to thespecific rated debt in all respects and the maturity of Bank’s unrated exposuresare not later than maturity of rated debt.

IV Description of the

process used to transfer

public issue ratings onto

comparable assets inthe banking book



ifjek.kkRed çdVhdj.k%

ekudhÑr n f"Vdks .k ds va rxZ r] tksf[ke ç'keu ds ckn cdk;k jkf'k js fVa x ,oa fcuk js fVa x dks ,d lkFk ys dj] dk fofHkUu tks f[ke Js f.k;ksa ds vra xZ r fooj.k ,oa mues ls ?kVk;h x;h jkf'k fuEukuq lkj gS %&

(#i;s djks M+ es a) 100» tksf[ke Hkkj ls de% 41950.64

100» tks f[ke Hkkj dh nj ls% 12888.84

100» tksf[ke Hkkj ls vf/d% 1967.41

dVkS rh dh xbZ jkf'k] ;fn dks bZ gks% 1245.81

( lk[k tks f[ke ç'keu] LVkiQ lfgr)

çdVhdj.k lkj.kh&6% lk[k tks f[ke iz 'keu% ekudhÑr n f"Vdks .k ds fy, çdVhdj.k xq .kkRed çdVhdj.k %

I lEikf'oZr ew Y;ka du ,oa çcU/u ds fy, uhfr ,oa çfØ;k ½.k tks f[ke de djus dh ,oa leik'oZ çcU/u dh uhfr fLFkr gS tks cS ad ds iw a th x.kuk ds fy, ç;q Dr ½.k tks f[ke de djus okys rRoks a ds çfr cS a d ds n"Vdks .k dks n'kkZ rh gS A bl uhfr dk ;g mís '; ½.k tks f[ke de djus okys rRoks a dk oxhZ dj.k ,oa ew Y;ka du bl rjg djus dk gS ftlls fofu;ked iw a th leUo; mudks çfrfcfEcr dj lds aA

uhfr es a O;kid n` f"Vdks .k dks viuk;k x;k gS] tks ½.k tks f[ke ds la ik'oZ (mfpr gs;jdV ds ckn) dks iw.kZ r% ?kVkrs gq , laik'oZ ds ew Y; rd ½.k&tks f[ke jkf'k es a çHkkoh deh ykrk gSA uhfr es a fuEufyf[kr fo"k;ks a dks la cks f/r fd;k x;k gS%&

(i) ½.k tks f[ke de djus okys rRoks a dk oxhZ dj.k (ii) xz g.kh; ½.k tksf[ke de djus okys rRo (iii) ½.k tks f[ke de djus okys rRoks a dk vko';d çys [khdj.k ,oa dkuw uh çfØ;k (iv) leik'oZ dk ew Y;ka du (v) leik'oZ dh vfHkj{kk (vi) chek (vii) ½.k tks f[ke de djus okys rRoks a dh fuxjkuh

II lk[k tks f[ke çcU/u rduhd ds eq [; çdkj

Ø- xq .kkRed iz dVhdj.k fVIi.kh la -

i) ik=k foÙkh; lEikf'oZ d (i) cS a d es a tek jks dM+ (½.knkrk cS ad }kjk tkjh tek çek.k&i=k vFkok rq yukRed foys [k] fLFkj tek jlhnks a lfgr)

(ii) cq fy;u ,oa ToS yjh] nks uks a lfgr] lks ukA rFkkfi] lEikf'oZ d ToS yjh dk ew Y; 99-99» dh 'kq ¼rk ij vkuq ekfud ifjorZ u (Notionally Convert) djus ij

(iii) ds Uæ ,oa jkT; ljdkjks a }kjk tkjh dh xbZ çfrHkw fr;k¡

(iv) fdlku fodkl i=k ,oa jk"Vª h; cpr i=k] ftuds fy, dks bZ ykW d&bu&ihfj;M ifjpkyu es a ugha gS rFkk tgk¡ mUgs a /kfjr vof/ ds vUrxZ r Hkq uk;k tk ldrk gSA

(v) chek dEiuh ds ?kks f"kr leiZ .k ew Y; lfgr thou chek ikW fyfl;k¡] ftUgsa chek {ks=k fofu;ked }kjk fofu;fer fd;k tkrk gSA

(vi) ekU;rk çkIr lk[k js fVa x ,ts Ulh }kjk js fVa x dh xbZ ½.k çfrHkw fr;k¡ ] ftuds ckjs es a cS a d dks mudh ekdZ s V rjyrk ds ckjs es a iw .k± fo'okl gS] tks fd js fVa xÑr gS &

v) de ls de chchch (&) tc bUgs a lkoZ tfud {ks =k dh dEiuh@la LFkk vkS j vU; dEiuh@ laLFkk }kjk tkjh fd;k tkrk gS (cS a dks a ,oa çkbejh Mhyjks a lfgr)_ vFkok

c) vYikof/ ½.k foys [kks a ds fy, de ls de ihvkj3@ih3@,iQ3@,3



(vii) ,s lh ½.k çfrHkw fr;k¡ ] ftudh js fVa x ekU;rk çkIr Øs fMV js fVa x ,ts Ulh }kjk ugha dh xbZ gS] ;s çfrHkw fr;k¡ gS a %

v) fdlh cS ad }kjk tkjh_ ,oe

c) fdlh ekU;rk çkIr ,Dlps a t esa lwphc¼_ ,oe

l) ofj"B ½.k ds :i es a oxhZ dr_ ,oe n) tkjhdrk Z cS a d ds leku ofj"Brk okys leLr js fVa x fd;s x;s fuxZ eks a dh jsfVa x de ls de

chchch (&) vFkok ihvkj3@ih3@,iQ3@,3 fdlh pq uh gq bZ Øs fMV js fVa x ,ts Ulh }kjk_ ,oe

;) ,s lh dks bZ lw puk ugha gS ftlds }kjk ba fxr x;k gks fd fuxZ e chchch (&) vFkok ihvkj3@ih3@,iQ3@,3 ls uhps js fVa x fd;k x;k gS (tS lk fd ykxw gks)_ ,oe

j) çfrHkw fr dh foi.ku rjyrk ds ckjs es a cS a d dks iw.kZ fo'okl gSA

(viii) cS a d ds ifjpkyu {ks =k es a çfrHkw fr fofu;ked }kjk fofu;fer E;wpq vy iQ.M~ l dh ;w fuV] tgk¡ %

;w fuV dk ew Y; çfrfnu lkoZ tfud :i ls m¼r fd;k tkrk gS vFkkZ r~ tgk¡ ifCyd {ks =k es a ,u , oh (NAV) çfrfnu miyC/ gS_

vuq PNsn &II(i) es a lw phc¼ foys [kks a es a fuos 'k gs rq E;w pq vy iQ.M lhfer gSA

ii) vkW u&cS ys a l 'khV uS fVa x tgk¡ cS a d &

v) ds ikl ;g fu"d"kZ ds fy, lq LFkkfir fof/d vk/kj gS fd uS fVa x vFkok vkW iQlS fVax vuq cU/ çR;s d vf/dkj {ks =k es a çorZ uh; gS Hkys gh dkm.Vj ikVhZ dh dks bZ gS fl;r ugha gks ;k og ikVhZ fnokfy;k gks_

c) mlh ikVh Z ds lkFk ½.kks a@vfxz eks a ,oa tekvks a dks] fdlh Hkh le; fuf'pr djus ds fy, leFkZ gS] tks fd uS fVa x vuq cU/ dh 'krZ ij gks_ vkS j

l) uS V vk/kj ij mfpr ½.k tks f[keks a dk fuxjkuh ,oa fu;U=k.k djrk gSAiii) xkj.Vh tgk¡ çR;kHkw fr;k¡ çR;{k] Li"V] v[k.Muh; ,oa fcuk 'krZ dh gks a rFkk tks Hkkjrh; fjtoZ cS a d ds

fn'kk&funZ s 'kks a es a of.kZ r ifjpkyukRed vko';drkvks a dh iw frZ djrh gks a A

III tekurh dkm.Vj ikVhZ ds eq [; çdkj ,oa mudh ½.k ik=krk %

ik=k tekurh;ks a dh J` a [kyk (çfr&tekurh)

i) lEçHkq ] lEçHkq dEifu;k¡ @la LFkk,¡ (chvkbZ ,l] vUrjkZ "Vª h; eq æk dks "k] ;wjks fi;u ds Uæh; cS a d ,oa ;w jks fi;u dE;w fuVh ds lkFk&lkFk Hkkjrh; fj”koZ cS a d ds fn'kk&funZ s 'kks a es a lUnfHkZ r ,eMhch] bZ lhthlh ,oa lhthVh,lvkbZ )] cS ad ,oa dkm.Vj ikVhZ ds de tks f[ke Hkkj lfgr çkbejh MhylZ _

ii) vU; dEifu;k¡ @la LFkk,¡ ftudh js fVa x ,, (&) vFkok blls cs grj gksA bues a eq [;] vuq"ka xh ,oa lEc¼ dEifu;ks a ] ftudk fd ns unkj dh vis{kk de tks f[ke Hkkj gS] ds }kjk miyC/ djk;k x;k xkj.Vh doj] çfrHkw dh jsfVa x fdlh dEiuh@la LFkk dh js fVa x dh rjg gks uh pkfg,] tks dEiuh@la LFkk (çR;kHkw fr lfgr) leLr ns ;rkvks ,oa opuc¼rkvks a dks iw jk djrh gksAa

IV fy;s x;s ç'keu ds vUrxZ r tks f[ke la ds Uæ.k (lk[k vFkok foi.ku) ds ckjs es a lw puk %

(ifjf'k"V & V ds vuq lkj)

ifjek.kkRed çdVhdj.k %

ekudhÑr n f"Vdks .k ds vUrxZ r çdVhÑr lk[k tks f[ke iks VZ iQks fyvks ds fy,] dq y ½.k tks f[ke tks fd vkPNkfnr fd;k x;k gS %

gs ;jdV~ l ds i'pkr~ ik=k foÙkh; lEikf'oZ d (LVkW iQ ½.kks a dks Nks M+ dj) % #- 1209-71 djks M+



(vii) Debt securities not rated by a recognized Credit Rating Agency where these are:

a) issued by a bank; and

b) listed on a recognized exchange; and

c) classified as senior debt; and

d) all rated issues of the issuing bank of the same seniority are rated at least

BBB (-) or PR3/ P3 / F3 / A3 by a chosen Credit Rating Agency; and

e) there is no information available that suggests that the issue justifies a rating

below BBB(-) or PR3/ P3 / F3 / A3 (as applicable) and;

f) Bank is sufficiently confident about the market liquidity of the security.

(viii) Units of Mutual Funds regulated by the securities regulator in the jurisdiction

of the Bank’s operation, where:

a price for the units is publicly quoted daily i.e., where the daily NAV is available

in public domain; and·

the mutual fund is limited to investing in the instruments listed in this paragraph,

para II (i).

ii) On-balance where the Bank

sheet netting a) has a well-founded legal basis for concluding that the netting or offsetting

agreement is enforceable in each relevant jurisdiction regardless of whether

the counter-party is insolvent or bankrupt;

b) is able at any time to determine the loans/advances and deposits with the

same counter-party that are subject to the netting agreement; and

c) monitors and controls the relevant exposures on a net basis,

iii) Guarantees Where guarantees are direct, explicit, irrevocable and unconditional and satisfy

the operational requirements detailed in the RBI guidelines

III Main types of guarantor counter-party and their creditworthiness:

Range of eligible guarantors (counter-guarantors):

(i) Sovereigns, sovereign entities (including BIS, IMF, European Central Bank and European Community as well as

MDBs referred to in RBI guidelines, ECGC and CGTSI), banks and primary dealers with a lower risk weight than the

counter-party;

(ii) Other entities rated AA(-) or better. These include guarantee cover provided by parent, subsidiary and affiliate

companies that have a lower risk weight than the obligor. The rating of the guarantor should be an entity rating

which has factored in all the liabilities and commitments (including guarantees) of the entities.

IV Information about (credit or market) risk concentration within the mitigation taken:

As per Appendix V


For the disclosed Credit Risk portfolio under the standardized approach, the total exposure that is covered by:

Eligible Financial Collateral after haircuts (excl. Staff loans): Rs. 1209.71 crores



çdVhdj.k lkj.kh & 7% çfrHkw frdj.k % ekudhÑr n f"Vdks .k gsrq çdVhdj.k

xq .kkRed çdVhdj.k

çfrHkw frdj.k xfrfof/ ds lEcU/ es a mÙkks yu (Leverage) vuqikrks a ] vkfLr fu"iknu ,oa xq .koÙkk] oka Nuh; fuos 'k ,oa ifjiDork fo'ks "krkvks a dks çkIr djuk cS a d dk mís '; gSA

fo'ks "k mís '; okgu (SPV) dks vkfLr;ks a ds Vª kUliQj ij fcØh ls gksus okyh jkf'k dks cS a d }kjk viÚa V ds :i esa ekU;rk çnku dh tk;sxhA

fo'ks "k mns '; okgu }kjk tkjh vFkok tkjh dh tkus okyh çfrHkw frd` r vkfLr;ks a dh fcØh ls çkIr ykHk dks] cS a d }kjk] mu izek.k i=k ds }kjk tkjh vkfLr;ks a ds ckdh thou ds Åij ifj'kks f/r fd;k tk;s xkA


cS a d us dks bZ Hkh çfrHkw frdj.k ys u&ns u çkjEHk ugha fd;k gSA

çdVhdj.k lkj.kh & 8% Vª s fMa x cgh es a foi.ku tks f[ke

xq .kkRed çdVhdj.k%

ekudhÑr vof/ n "Vdks .k vk/kfjr foi.ku tks f[ke x.kuk gs rq fuEu iks VZ iQks fy;ks fy, x, gS%

Ø;&foØ; ds fy, /kfjr ,oa foØ; ds fy, miyC/ Js f.k;ks a dh çfrHkw fr;k¡

Ø;&foØ; /kfjr ,oa foØ; ds fy, miyC/ Js f.k;ks a dh çfrHkw fr;k¡ dh gs ftax gs rq fd, x, Ms fjos fVo o Vs ª fMa x gsrq fd, x, MsfjosfVo

cks MZ }kjk vuq eks fnr Ø;&foØ; fufr;k¡] fuos 'k uhfr] fofHkUu vkfLr oxkZ s ds fy, ifjHkkf"kr foi.ku tks f[ke çca /u {ks =kks a lfgr foi.ku tks f[ke çca /u fufr cuh gq ;h gSA

dks "k ifjpkyu es tks f[ke dh igpku] fu/kZ j.k] fuxjkuh ,oa çfros nu dh ftEes nkjh foi.ku tks f[ke çca /u foHkkx o feM&vkfiQl dh gSA

tks f[ke çca /u] fufnZ "V va rjkyksa ij mPp çca /u oxZ ] cks MZ dh foi.ku tks f[ke çca /u lfefr ,oa tks f[ke çca /u lfefr dks oLrq &fLFkfr ls voxr djkrs gq , ,d fuja rj pyus okyh çfØ;k gSA

,,iQ,l çfrHkw fr;ks a vFkok Vª s fMa x ds fy, dksbZ Hkh fMjkbos fVo ugha fd;s x;s gS a A

tks f[ke çca /u ,oa fjiks fV± x fuEu iS ekuks a ;Fkk & la 'kks f/r vof/] ihoh 01] ½.k tks f[ke ,oa vUrj lhekvks a ] oh,vkj (VaR) vkfn ij vk/kfjr gS aA

ØkW l djs a lh Vª s fMa x ds lEcU/ es a fons 'kh fofue; dh [kq yh iks th'ku lhek,¡ (Ms ykbV@vksojukbV)] O;ogkj&okj] dV&ykW l lhek,¡ ] LVkW i ykW l lhek,¡ ] ykHk@gkfu dh leq fpr :i ls fuxjkuh dh tkrh gS rFkk viokn lw puk,¡ (Exception Reports) fu;fer vk/kj ij ns [kh tkrh gSA

ifjek.kkRed çdVhdj.k% ekudhÑr vof/ n` f"Vdks .k ds vUrxZ r foi.ku tks f[ke gs rq i¡ w th dh vko';drk (9» dh nj ls)%

(#i;s djks M+ es a )

C;kt nj tks f[ke : 34.61

bZfDoVh iks th'ku tks f[ke : 27.27

fons 'kh fofue; tks f[ke : 1.03

dq y ;ks x : 62.91



DT-7 SECURITISATION: DISCLOSURE FOR STANDARDISED APPROACH

Qualitative Disclosures

Bank’s objective in relation to Securitisation activity is to achieve improvements in leverage ratios, asset performance

& quality and to achieve desirable investment & maturity characteristics.

Loss on sale on transfer of assets to Special Purpose Vehicle (SPV) shall be recognized upfront by the Bank.

Bank shall amortize the profit on sale of the securitised assets over the life of the Pass Through Certificates (PTC)

assets issued or to be issued by SPV.


Bank has not originated any securitisation transaction.

DT-8 MARKET RISK IN TRADING BOOK


The following portfolios are covered by the Standardised Duration approach for calculation of Market Risk:

Securities held under the Held for Trading (HFT) and Available for Sale (AFS) categories.

Derivatives entered into for hedging HFT & AFS securities and Derivatives entered into for Trading.

Board approved Trading Policies, Investment Policy, Market Risk Management Policy with defined market risk

management parameters for various asset classes are in place.

Market Risk Management Department and Mid-Office are responsible for identification, assessment, monitoring and

reporting of market risk in treasury operations.

Risk monitoring is an on-going process with the position reported to the top management, Market Risk Management

Committee and Risk Management Committee of the Board at stipulated intervals.

No Derivatives have been entered into for AFS securities or Trading.

Risk management and reporting is based on parameters such as Modified Duration, PVO1, Exposure and Gap Limits,

VaR, etc.,

Forex Open Position limits (Daylight / Overnight), deal-wise cut-loss limits stop-loss limit, Profit / Loss in respect of

cross currency trading are properly monitored and exception reporting is regularly carried out.


Capital Requirement for Market Risk under Standardised Duration Approach (@ 9%):

(Rs. in Crores)

Interest Rate Risk : 34.61

Equity Position Risk : 27.27

Forex Risk : 1.03

TOTAL : 62.91



çdVhdj.k lkj.kh & 9% ifjpkyukRed tks f[ke


cS a d dh ifjpkyu tks f[ke çcU/u uhfr fu/kZ fjr dh gq bZ gS] tks ifjpkyu tks f[ke ds O;ofLFkr ,oa vxz lfØ; igpku] vkadyu] ekiu] fuxjkuh ,oa ifjpkyu tks f[ke es a deh gs rq ,d fuja rj leku la jpuk LFkfir djrh gSA ;g uhfr cS a d ds vUnj lHkh O;olk;ks a ,oa dk;Z {ks =kks a ij ykxw gks rh gSA cS a d dh ifjpkyu tks f[ke çcU/u uhfr le; le; ij v|ru fd, tkus okys ifjpkyu ra=k çfØ;kvks a ,oa

fn'kk funZ s 'kks a }kjk iw fjr gSA ifjpkyu tks f[ke çcU/u lfefr xfBr dh xbZ gSA cS a d us ifjpkyu tks f[ke dks fu;a f=kr ,oa de djus ds fy, fuEufyf[kr mik; fd, gS a %

cS a d dh funZ s 'k iq fLrdk] ifji=kks a ] tkW c dkMZ ] çf'k{k.k dk;Z Øe vkfn fofHkUu çdkj ds foÙkh; ys unsu ds fy, fofHkUu vf/dkjh Lrj ij foÙkh; 'kfDr;ks a dk çR;k;ks tu ifjpkyu tks f[ke ij çkIr lq >koks a dks la cfU/r çf'k{k.k dk;Z Øeksa es a 'kkfey fd;k x;k gS cS a d la Hkkfor ifjpkyu tks f[keks a gs rq chek doj çkIr djrk gS xcu dh fjiks VZ rq jUr çLrq r djus ds fy, ra =k ekS twn gS

cS a d dh 'kk[kkvks a ,oa va py dk;kZ y;ks a es a ifjpkyukRed tks f[keks a dh igpku djus ,oa ç'keu ds fy, tks f[ke fu;U=k.k ,oa Lo&fuèkkZ j.k dks çkjEHk fd;k tk pqdk gSA

va pyokj] O;olk;&okj ,oa lexz cS a d&Lrj ghV&eS i dks lq fo/ktud cukus ds fy, ,d oS c&vk/kfjr ,Iyhds 'ku fodflr dh xbZ gS

rFkk fofHkUu vkjlh,l, dh dk;Z 'kkykvksa es a çR;q Ùkjks a ds Lopkfyr feyku ds fy, ml ,Iyhds 'ku dks tkjh Hkh fd;k x;k gSA vkink olw yh uhfr ,oa O;olk; fujUrjrk ;ks tuk çpyu es a gSA

ifjek.kkRed çdVhdj.k%

ifjpkyukRed tks f[ke ij i¡w th çHkkj : #- 201.95 djks M+(fofu;ked i¡ w th vko';drk ds vuq lkj)

çdVhdj.k lkj.kh & 10% cS a fda x cgh es a C;kt nj tks f[ke (IRRBB)


ikjEifjd vUrj fo'ys "k.k i¼fr dk ç;ks x djrs gq ,] Hkkjrh; fj”koZ cSa d ds vkfLr ,oa ns ;rk çcU/u fn'kk&funZs 'kks a ds vuq lkj]

vk;&tks f[ke dk fu/kkZ j.k fd;k tkrk gSA Hkkjrh; fj”koZ cS a d ds fn'kk&funZ s 'kks a ds vuq lkj] vof/ vUrj fo'ys "k.k i¼fr] lexz cS ys a l 'khV dks ys rs gq , bZ fDoVh ds cktkj ew Y;

ij C;kt njks a es a ifjorZ u ds çHkko dk ekiu fd;k tkrk gSA

bZfDoVh ds cktkj ew Y; dk fu/kZ j.k] vof/ vUrj fo'ys "k.k dk ç;ks x djrs gq, Hkh fd;k tkrk gS] ftles a lq ijokbtjh fjO;w çfØ;k ij Hkkjrh; fj”koZ cS a d ds fn'kk&funZ s 'kks a ds vuq lkj ds oy cS a ¯dx cgh ½.k tks f[keks a dks ifjdfyr fd;k tkrk gSA (cs ly&II <k¡ ps dk fiyj&II)

O;kogkfjd vè;;uks a ij vk/kfjr çeq[k iw okZuq eku %v) cpr cS a d [kkrk % ,s lh tekvksa dk 25» fgLlk C;kt jfgr tekvks a ds :i es a tkuk tk;s xkA c) lkof/ tek,¡ % va r% LFkkfir fodYi ds dkj.k ,s lh tekvks a dk 4»] le; ls iq oZ Hkq xrku l) pkyw tek,¡ % Hkkjrh; fj”koZ cS a d ds fn'kk&funZ s 'kks a ds vuq lkj vkbZ -vkj-vkj- mís '; ds fy, nj la os nu'khyrk ds :i es a fy;k x;kA n) fe;knh ½.k % dq y fe;knh ½.kks a dk 0-08»] le; ls iw oZ Hkq xrkuA


(i) fuoy C;kt va rj es a ifjorZ u% gekjh vkfLr;ks a@ns ;rkvks a ds orZeku Lrj ij] ,uvkbZ vkbZ es a #- 103-11 djks M+ dh o f¼@deh dh lEHkkouk gS] vxj C;kt nj es a 1» ds Åij@uhps dh rjiQ dks bZ pyu gks rk gS (vkfLr;ks a ,oa ns ;rvks a ij lekukUrj C;kt nj ifjorZ u dk vuq eku yxkrs gq , cpr cS a d nj tks fd 3-5» fLFkj jgs xk] dks NksM+ dj)A

(ii) bZ fDoVh ds cktkj ew Y; (MVE) es a ifjorZ u%v) lEiw .kZ rq yu&i=k ij fopkj djrs gq , bZ fDoVh ds cktkj ew Y; es a #- 143-11 djks M+ dh o f¼@deh gks xh] vxj C;kt nj es a 1» ds

Åij@uhps dh rjiQ pyu gks rk gSA

c) ds oy cSa fda x cgh ½.k tks f[keks a ij fopkj djrs gq , bZ fDoVh ds cktkj ew Y; es a #- 173-89 djks M+ dh o f¼@deh gks xh] vxj C;kt nj es a 1» ds Åij@uhps dk pyu gks rk gSA



DT-9 OPERATIONAL RISK

Qualitative Disclosures :

Operational Risk Management Policy of the Bank is in place, which establishes a consistent framework for systematicand proactive identification, assessment, measurement, monitoring and mitigation of operational risk. The policy appliesto all business and functional areas within the Bank. The Operational Risk Management Policy is supplemented by

operational systems, procedures and guidelines which are periodically updated. Operational Risk ManagementCommittee has been constituted.

Bank has put in place the following measures to control and mitigate operational risks: Book of instructions, circulars, job cards, training programmes etc. Delegation of financial powers at various levels of officers for different type of financial transactions Inputs on operational risk are included in the relevant training programmes Bank obtains insurance cover for potential operational risks A system of prompt submission of reports on frauds is in place

Risk Control and Self Assessment (RCSA) exercise for identifying and mitigating operational risks has been initiatedat the Bank’s branches and Zonal Offices.

A web-based application has been developed and rolled out for automatic collation of responses in different RCSAworkshops to facilitate generation of Zone-wise, Business Segment-wise and Whole-Bank-level heat-maps.

Disaster Recovery Policy and Business Continuity Planning Policy have been put into place


Capital Charge on Operational Risk : Rs. 201.95 crores(As per regulatory capital requirement)

DT-10 INTEREST RATE RISK IN BANKING BOOK (IRRBB)


Earning at Risk (EaR) is measured as per ALM guidelines of RBI using Traditional Gap Analysis method.

Impact of change in Interest Rates on Market Value of Equity (MVE) is measured using Duration Gap Analysis method,taking whole Balance Sheet, as per RBI guidelines.

MVE is also measured using Duration Gap Analysis method, taking only Banking Book exposures into account as perRBI guidelines on Supervisory Review Process (Pillar-II of Basel-II framework).

Key Assumptions used based on behavioral studies:

a) Saving Bank deposits: 25% of such deposits treated as non-interest bearingb) Term deposits: 4% of such deposits prepaid due to embedded optionc) Current deposits: taken as rate sensitive for IRR purpose as per RBI guidelinesd) Term Loans: prepayment @ 0.08% of total term loans

Quantitative Disclosures:(i) Change in NII:

At the present level of our assets / liabilities, NII is likely to increase / decrease by Rs. 103.11 cr., if there is a upward / downward movement in interest rate by 1% (assuming parallel interest rate change on both assets and liabilities exceptSavings Bank rate that will remain constant at 3.5%).

(ii) Change in MVE:

a) Taking the whole Balance Sheet into account, Market Value of Equity (MVE) will increase / decrease by Rs. 143.11cr. if there is an upward / downward movement in interest rate by 1%.

b) Taking only Banking Book exposures into account, Market Value of Equity (MVE) will increase / decrease by Rs.173.89 cr. if there is an upward / downward movement in interest rate by 1%.



lkj.kh& 2 (v ) ifjf'k"V – I

uoks Ues "k] tfVy(Complex) vFkok gkbfcz M i¡ w th foys [k lfgr] tks fd Lrjh;&I ,oa Lrjh;&II i¡ w th es a 'kkfey djus ;ks X; gS a ] leLr i¡ w th foys[kks a dh eq [; fo'ks "krkvks a ds fu;eks a ,oa 'krks± ij la f{kIr lw puk %

iw ¡ th dk iz dkj izeq [k fo'ks "krk,¡

yksvj Lrjh;&II foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq #i] vlq jf{kr] eks puh;] ,a o vifjorZ uh; xkS .k xkS .k ckW .M~ l ckS .M~ lA fcuk iq V vkS j dkW y vkW I'ku dh fof'k"V fo'ks "krkvks a ds] ;s lkns ouhyk (Vanilla) ckW.M~ l (rhljh lhjht) gSaA21-02-2005

vU; fooj.k% jkf'k % #- 200 djks M+ dw iu : 7.20% (fLFkj] okf"kZ d ns;)vof/ % 111 ekg js fVa x % fØfly }kjk ‘AAA’

yksvj Lrjh;&II foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq #i] vlq jf{kr] eks puh;] ,a o vifjorZ uh; xkS .k xkS .k ckW .M~ l ckS .M~ lA fcuk iq V vkS j dkW y vkW I'ku dh fof'k"V fo'ks "krkvks a ds] ;s lkns ouhyk (Vanilla) ckW.M~ l (pkSFkh lhjht) gS a A17-11-2005

vU; fooj.k% jkf'k % #- 300 djks M+ dw iu : 7.45% (fLFkj] okf"kZ d ns;)vof/ % 111 ekg js fVa x % fØfly }kjk ‘AAA’ ,oa bdjk }kjk ‘LAAA’

yksvj Lrjh;&II foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq #i] vlq jf{kr] eks puh;] ,a o vifjorZ uh; xkS .k xkS .k ckW .M~ l ckS .M~ lA fcuk iq V vkS j dkW y vkW I'ku dh fof'k"V fo'ks"krkvks a ds] ;s lkns ouhyk (Vanilla) ckW .M~ l gS aA(ik¡ poh lhjht)10-08-2006

vU; fooj.k% jkf'k % #- 500 djks M+ dw iu : 9.15% (fLFkj] okf"kZ d ns;)vof/ % 120 ekg js fVa x % fØfly ‘AAA@fLFkj ’ ,oa bdjk ‘LAAA@fLFkj ’

vij Lrjh;&II foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq #i] vlq jf{kr] eks puh;] ,a o vifjorZ uh; xkS .k xkS .k ckW .M~ l vij Lrjh;& II ckS .M~lA dkW y vkW I'ku 120 ekg ckn miyC/ gS (ml le; Hkkjrh; fj”koZ cS a d dh 22-03-2007 vuq efr dh 'krZ ij)A

vU; fooj.k% jkf'k % #- 150 djks M+ dw iu : 10.25% (fLFkj] okf"kZ d ns ;)vof/ % 180 ekg js fVa x % ds ;j ‘AAA’ ,oa fØfly ‘AAA@fLFkj ’

vij Lrjh;&II foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq #i vlq jf{kr] eks puh;] ,a o vifjorZ uh; xkS .k xkS .k ckW .M~ l vij Lrjh;& II ckS .M~ lA dkW y vkW I'ku 120 ekg ckn miyC/ gS (ml le; Hkkjrh; fj”koZ cS a d dh 15-10-2007 vuq efr dh 'krZ ij)A

vU; fooj.k%

jkf'k % #- 300 djks M+ dw iu : 9.78% (fLFkj] okf"kZ d ns;)vof/ % 180 ekg js fVa x % ds ;j ‘AAA’ ,oa fØfly ‘AAA@fLFkj ’

uoks Ues "kh 'kk'or ½.k foys [k foys [k dk çdkj % çka feljh uks V dh çÑfr ds vuq#i vlq jf{kr] vifjorZ uh;] xkS .k ,oa 'kk'or 20-03-2008 ck¡ .M~ lA dkW y vkW I'ku ,oa LVs i&vi dw iu 10 o"kZ i'pkr miyC/ gS (ml le;

Hkkjrh; fj”koZ cS a d dh vuqefr dh 'krZ ij)A

vU; fooj.k% jkf'k % #- 200 djks M+ dw iu : 9.85% (fLFkj] okf"kZ d ns;)vof/ % 'kk'or js fVa x % ds ;j }kjk ‘AAA’ ,oa fØfly }kjk ‘AAA’ & fLFkj (Hkkjrh; fj”koZ cS a d dh vuqefr ij] dky vkW I'ku 10 o"kZ i'pkr miyC/)



TABLE 2 (a) APPENDIX – I

Summary information on the terms and conditions of the main features of all capital instruments, including innovative,complex or hybrid capital instruments eligible for inclusion in Tier-I or Tier-II capital :

Type of Capital Main Features

Lower Tier-II Type of instrument : Unsecured, redeemable, non-convertible subordinated bondsSubordinated Bonds in the nature of Promissory Note. These are plain vanilla bonds with no special features(Third Series) like put or call option.

21.02.2005

Other details:

Amount : Rs. 200 cr Coupon : 7.20% (fixed, payable annually)

Tenure : 111 months Rating : ‘AAA’ by CRISIL

Lower Tier-II Type of instrument : Unsecured, redeemable, non-convertible subordinated bonds

Subordinated Bonds in the nature of Promissory Note. These are plain vanilla bonds with no special features

(Fourth Series) like put or call option.17.11.2005

Other details: Amount : Rs. 300 cr Coupon :7.45% (fixed, payable annually)Tenure : 111 months Rating : ‘AAA’ by CRISIL and ‘LAAA’ by ICRA

Lower Tier-II Type of instrument : Unsecured, redeemable, non-convertible subordinated bonds

Subordinated Bonds in the nature of Promissory Note. These are plain vanilla bonds with no special features(Fifth Series) like put or call option.

10.08.2006

Other details:

Amount : Rs. 500 cr Coupon : 9.15% (fixed, payable annually)Tenure : 120 months Rating : AAA/Stable (CRISIL) LAAA (Stable) (ICRA)

Upper Tier-II Type of Instrument : Unsecured, redeemable, non-convertible Subordinated Upper Tier-IISubordinated Bonds Bonds in the nature of Promissory Notes. Call option is available after 120 months

22.03.2007 (subject to RBI permission at the time).

Other details:

Amount : Rs. 150 cr Coupon : 10.25% (fixed, payable annually)

Tenure : 180 months Rating : CARE ‘AAA’ and CRISIL ‘AAA/Stable’

Upper Tier-II Type of Instrument : Unsecured, redeemable, non-convertible Subordinated Upper Tier-IISubordinated Bonds Bonds in the nature of Promissory Notes. Call option is available after 120 months


Other details: Amount : Rs. 300 cr Coupon : 9.78% (fixed, payable annually)

Tenure : 180 months Rating : ICRA ‘LAAA’ and CRISIL ‘AAA/Stable’

Innovative Perpetual Type of Instrument : Unsecured, non-covertible, subordinated, Perpetual Bonds in the

Debt Instruments nature of Promissory Notes. Call option and step-up coupon available after 10 years


Other details:

Amount: Rs. 200 cr. Coupon: 9.85% payable annually.

Tenure : Perpetual Ratings: AAA by CARE and AAA/Stable by CRISIL.

(call option available after 10 years with permission of RBI).



lkj.kh& 4 (v ) ifjf'k"V – II

vutZ d vkfLr;k¡

2-1 xS j&fu"ikfnr vkfLr;k¡

2-1-1 iV~ VkÑr vkfLr lfgr ,d ,s lh vkfLr rc xS j&fu"ikfnr gks tkrh gS] tc og cS a d ds fy, vk; vtZ u djuk cUn dj ns rh gSA

2-1-2 dks bZ Hkh ½.k ;k vfxz e xS j&fu"ikfnr vkfLr gks tkrk gS tc%

i) fe;knh ½.k ds lEcU/ es a C;kt vkS j@vFkok ew y/u dh fd'rs a 90 fnuks a ls vf/d gks us ij vfrns; gks tkrh gS a A

ii) tS lk fd uhps vuq PNs n 2-2 es a ba fxr fd;k x;k gS] vf/fod"kZ @udn lk[k ls lEcfU/r [kkrk vfu;fer gks tkrk gSA

iii) Ø; fd;s x;s ,oa cV~ Vkdr fcyks a ds ekeys es a dks bZ fcy 90 fnuks a ls vf/d dh vof/ ds fy, vfrns ; gks tkrk gSA

iv) vYikof/ iQlyh ½.kks a ds ekeys es a ew y/u dh fd'rsa vFkok ml ij C;kt nks iQlyh ekS leks a rd vfrns ; iM+ k jgrk gSA

v) nh?kkZ of/ iQlyh ½.kks a ds ekeys es a ew y/u dh fd'r vFkok ml ij C;kt ,d iQlyh ekS le rd vfrns ; iM+ k jgrk gSA

2-1-3 vxj fdlh frekgh ds nkS jku çHkkfjr C;kt ml frekgh dh lekfIr ls 90 fnuks a es iw .k± r;k olw y ugha gks rk gS] rc ml [kkrs dks xS j&fu"ikfnr vkfLr;ks s ds #i es a oxhZ Ñr fd;k tkrk gS A

2-2 ^vfu;fer fLFkfr^

vxj fdlh [kkrs es a cdk;k jkf'k LohÑr [email protected] lhek ls vkf/D; es a yxkrkj iM+ h jgrh gS rc ml [kkrs dks vfu;fer [kkrk dgk tkrk gSA mu ekeyks a esa tgk¡ ew y ifjpkyu [kkrs es cdk;k jkf'k vkgj.k lhek ls de gS] ys fdu ;k rks ml [kkrs es a yxkrkj 90 fnuks a rd dks bZ tek çkIr ugha gq bZ ;k mlh vof/ ds nkS jku ukes dh xbZ C;kt dh jkf'k tek dh xbZ jkf'k }kjk iw .kZ r;k f'kf/r ugha gks srh] rc ,s ls [kkrks a dksvfu;fer [kkrks a ds :i es a tkuk tkrk gSA

2-3 ^vfrns ;*

fdlh Hkh lq fo/k ds v/hu cS a d dh cdk;k jkf'k vfrns ; dgykrh gS] vxj ml jkf'k dk Hkq xrku cS a d dks fu;r frfFk rd ugha fd;k tkrk

gSA



TABLE 4 (a) APPENDIX - II

DEFINITIONS OF IMPAIRED ASSETS

2.1 Non-performing assets

2.1.1 An asset, including a leased asset, becomes non-performing when it ceases to generate income for the bank.

2.1.2 A Non-Performing Asset (NPA) is a loan or an advance where :

i) Interest and/or installments of principal remain overdue for a period of more than 90 days in respect of aTerm Loan,

ii) The account remains ‘out of order’ as indicated at paragraph 2.2 below, in respect of an Overdraft/Cash Credit(OD/CC),

iii) The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted,

iv) The installment of principal or interest thereon remains overdue for two crop seasons for short duration crops,

v) The installment of principal or interest thereon remains overdue for one crop seasons for long duration crops,

2.1.3 In case the interest charged during any quarter is not serviced fully within 90 days from the end of the quarter theaccount is classified as NPA

2.2 ‘Out of Order’ status

An account is treated as ‘out of order’ if the outstanding balance remains continuously in excess of the sanctioned limit/ drawing power. In cases where the outstanding balance in the principal operating account is less than the drawing power,but either there are no credits continuously for 90 days in the account or the credits are not enough to cover the interestdebited during the same period, these accounts are also treated as ‘out of order’.

2.3 ‘Overdue’

Any amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank.



lkj.kh& 4 ( n) ifjf'k"V – III (v )

½.k tks f[keks a dk m|ks xokj forj.k & dks "k vk/kfjr 31 ekpZ] 2009 dks( #i;s djks M+ esa )

dw V m|ks x dq y cdk;k lk[k xS j&fu"ikfnr vkfLr;k¡ ekud

1 dks;yk 37.33 0.21 37.12

2 [kku 364.07 2.49 361.58

3 ykS g ,oa bLikr 1700.88 53.62 1647.26

4 /krq mRikn 358.59 0.35 358.24

5 leLr vfHk;kfU=kdh 896.18 2.88 893.30

5.1 ftles a ls byS DVª kW fuDl 408.36 0.60 407.76

6 fo|q r 675.46 0.03 675.43

7 dkW Vu VS DlVkbYl 1104.46 26.41 1078.05

8 tw V VS DlVkbYl 17.37 0.58 16.79

9 vU; VS DlVkbYl 1213.83 17.35 1196.4810 phuh 88.68 0.09 88.59

11 pk; 15.51 0.37 15.14

12 [kk| iz la Ldj.k 233.50 4.83 228.67

13 oS thVs fcy rs y ,oa ouLifr 187.32 0.17 187.15

14 rEckdw @rEckdw mRikn 71.57 0.03 71.54

15 dkxt@dkxt mRikn 333.42 1.27 332.15

16 jcM+@jcM+ mRikn 319.14 3.71 315.43

17 dS fedYl@Mkb~t@is .V~ l vkfn 733.78 2.34 731.44

17.1 ftles a ls [kkn 107.31 0.47 106.8417.2 ftles a ls is Vª ksdS fedYl 232.36 0.00 232.36

17.3 ftles a ls Mª Xl ,oa iQkekZ L;q fVdYl 183.34 0.02 183.32

18 lhes.V 291.26 0.66 290.60

19 peM+ k ,oa peM+ k mRikn 63.49 3.91 59.58

20 jRu ,oa tokgjkr 726.72 0.42 726.30

21 fuekZ .k 890.31 51.28 839.03

22 iSVª ksfy;e 1191.87 0.02 1191.85

23 vkW Vks eks ckbYl ,oa Vªd 89.47 5.20 84.27

24 dEI;w Vj lkW ÝVos;j 0.00 0.00 0.00

25 cq fu;knh <k¡ pk 2092.08 0.11 2091.97

25.1 ftles a ls ÅtkZ 419.44 0.02 419.42

25.2 ftles a ls nw jla pkj 662.47 0.00 662.47

25.3 ftles a ls lM+ d ,oa cUnjxkg 526.46 0.06 526.40

26 vU; m|ks x 291.24 7.55 283.69

27 ,u-ch-,iQ-lh- 1207.87 0.00 1207.87

28 'ks "k vfxz e 14904.67 304.45 14600.22

dq y ;ksx 30100.07 490.33 29609.74



TABLE 4 (d) APPENDIX-III (a)

INDUSTRY-WISE DISTRIBUTION OF EXPOSURES – FUND BASED AS ON 31ST MARCH, 2009

(Rs. in crores)

CODE INDUSTRY TOTAL CREDIT O/S NPA STANDARD

1 Coal 37.33 0.21 37.122 Mining 364.07 2.49 361.58

3 Iron & Steel 1700.88 53.62 1647.26

4 Metal Products 358.59 0.35 358.24

5 All Engineering 896.18 2.88 893.30

5.1 Of which (005) Electronics 408.36 0.60 407.76

6 Electricity 675.46 0.03 675.43

7 Cotton Textiles 1104.46 26.41 1078.05

8 Jute Textiles 17.37 0.58 16.79

9 Other Textiles 1213.83 17.35 1196.4810 Sugar 88.68 0.09 88.59

11 Tea 15.51 0.37 15.14

12 Food Processing 233.50 4.83 228.67

13 Vegetable Oils & Vanaspati 187.32 0.17 187.15

14 Tobacco / Tobacco Products 71.57 0.03 71.54

15 Paper / Paper Products 333.42 1.27 332.15

16 Rubber / Rubber Products 319.14 3.71 315.43

17 Chemicals / Dyes / Paints etc. 733.78 2.34 731.44

17.1 Of which Fertilisers 107.31 0.47 106.8417.2 Of which Petrochemicals 232.36 0.00 232.36

17.3 Of which Drugs & Pharmaceuticals 183.34 0.02 183.32

18 Cement 291.26 0.66 290.60

19 Leather & Leather Products 63.49 3.91 59.58

20 Gems & Jewellery 726.72 0.42 726.30

21 Construction 890.31 51.28 839.03

22 Petroleum 1191.87 0.02 1191.85

23 Automobiles & Trucks 89.47 5.20 84.27

24 Computer Software 0.00 0.00 0.00

25 Infrastructure 2092.08 0.11 2091.97

25.1 Of which power 419.44 0.02 419.42

25.2 Of which Telecommunications 662.47 0.00 662.47

25.3 Of which Roads & Ports 526.46 0.06 526.40

26 Other Industries 291.24 7.55 283.69

27 NBFCs 1207.87 0.00 1207.87

28 Residual Advance to balance Gross Advance 14904.67 304.45 14600.22

Total 30100.07 490.33 29609.74



lkj.kh& 4 ( n) ifjf'k"V – III ( c )

½.k tksf[keks a dk m|ks xokj forj.k & xS j dks "k vk/kfjr 31 ekpZ] 2009 dks( #i;s djks M+ es a )

dw V m|ks x dq y cdk;k lk[k xS j&fu"ikfnr vkfLr;k¡ ekud

1 dks ;yk 13.62 0.00 13.62

2 [kku 54.62 0.00 54.62

3 ykS g ,oa bLikr 290.29 0.00 290.29

4 /krq mRikn 183.12 0.00 183.12

5 leLr vfHk;kfU=kdh 757.84 0.00 757.84

5.1 ftles a ls byS DVª kW fuDl 178.62 0.00 178.62

6 fo|qr 196.19 0.00 196.19

7 dkW Vu VS DlVkbYl 23.39 0.00 23.39

8 tw V VS DlVkbYl 0.68 0.00 0.68

9 vU; VS DlVkbYl 43.31 0.00 43.3110 phuh 0.00 0.00 0.00

11 pk; 0.00 0.00 0.00

12 [kk| iz la Ldj.k 10.20 0.00 10.20

13 oS thVs fcy rs y ,oa ouLifr 133.77 0.00 133.77

14 rEckdw @rEckdw mRikn 3.22 0.00 3.22

15 dkxt@dkxt mRikn 50.16 0.00 50.16

16 jcM+@jcM+ mRikn 70.57 0.00 70.57

17 dS fedYl@Mkb~ t@is .V~l vkfn 62.74 0.00 62.74

17.1 ftles a ls [kkn 0.00 0.00 0.0017.2 ftles a ls is Vªks dS fedYl 0.00 0.00 0.00

17.3 ftles a ls Mª Xl ,oa iQkekZ L;q fVdYl 0.75 0.00 0.75

18 lhes.V 11.71 0.00 11.71

19 peM+ k ,oa peM+ k mRikn 1.61 0.00 1.61

20 jRu ,oa tokgjkr 41.17 0.00 41.17

21 fuekZ.k 24.18 0.00 24.18

22 iS Vªks fy;e 18.73 0.00 18.73

23 vkW Vks eks ckbYl ,oa Vª d 0.89 0.00 0.89

24 dEI;w Vj lkW ÝVos ;j 0.00 0.00 0.00

25 cq fu;knh <k¡pk 90.83 0.00 90.83

25.1 ftles a ls ÅtkZ 1.97 0.00 1.97

25.2 ftles a ls nw jla pkj 2.66 0.00 2.66

25.3 ftles a ls lM+ d ,oa cUnjxkg 30.42 0.00 30.42

26 vU; m|ks x 10.09 0.00 10.09

27 ,u-ch-,iQ-lh- 21.57 0.00 21.57

28 'ks "k vfxz e 1088.10 0.00 1088.10

dq y ;ks x 3202.60 0.00 3202.60



TABLE 4 (d) APPENDIX-III (b)

INDUSTRY-WISE DISTRIBUTION OF EXPOSURES – NON-FUND BASED AS ON 31ST MARCH, 2009

(Rs. in crores)

CODE INDUSTRY TOTAL CREDIT O/S NPA STANDARD

1 Coal 13.62 0.00 13.622 Mining 54.62 0.00 54.62

3 Iron & Steel 290.29 0.00 290.29

4 Metal Products 183.12 0.00 183.12

5 All Engineering 757.84 0.00 757.84

5.1 Of which (005) Electronics 178.62 0.00 178.62

6 Electricity 196.19 0.00 196.19

7 Cotton Textiles 23.39 0.00 23.39

8 Jute Textiles 0.68 0.00 0.68

9 Other Textiles 43.31 0.00 43.3110 Sugar 0.00 0.00 0.00

11 Tea 0.00 0.00 0.00

12 Food Processing 10.20 0.00 10.20

13 Vegetable Oils & Vanaspati 133.77 0.00 133.77

14 Tobacco / Tobacco Products 3.22 0.00 3.22

15 Paper / Paper Products 50.16 0.00 50.16

16 Rubber / Rubber Products 70.57 0.00 70.57

17 Chemicals / Dyes / Paints etc. 62.74 0.00 62.74

17.1 Of which Fertilisers 0.00 0.00 0.0017.2 Of which Petrochemicals 0.00 0.00 0.00

17.3 Of which Drugs & Pharmaceuticals 0.75 0.00 0.75

18 Cement 11.71 0.00 11.71

19 Leather & Leather Products 1.61 0.00 1.61

20 Gems & Jewellery 41.17 0.00 41.17

21 Construction 24.18 0.00 24.18

22 Petroleum 18.73 0.00 18.73

23 Automobiles & Trucks 0.89 0.00 0.89

24 Computer Software 0.00 0.00 0.00

25 Infrastructure 90.83 0.00 90.83

25.1 Of which Power 1.97 0.00 1.97

25.2 Of which Telecommunication 2.66 0.00 2.66

25.3 Of which Roads & Ports 30.42 0.00 30.42

26 Other Industries 10.09 0.00 10.09

27 NBFCs 21.57 0.00 21.57

28 Residual Advance to balance Gross Advance 1088.10 0.00 1088.10

Total 3202.60 0.00 3202.60



ifjf'k"V – IV (v ) lkj.kh 4 (;) % <k¡ pkxr rjyrk dk fooj.k

31.03.2009 dks <k¡ pkxr rjyrk vof'k"V ifjiDork ( #i;s djksM+ es a ) dk fooj.k

cfgxZeu fnu 2-7 8-14 vuq ;ksx 15-28 29 fnu& >3-6 >6-12 >1-3 >3-5 > 5 dq y ;ks x 1

fnu fnu 1-14

fnu fnu 3

ekg ekg

ekg o"kZ

o"kZ

o"kZ 1. i¡w th 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00

2. vkjf{kr fuf/ ,oa vf/'ks"k 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996.47 1996.47

3. tekjkf'k;k¡ 66.85 474.68 596.51 1138.04 473.53 2589.09 2660.16 4019.11 7793.15 4569.49 15877.87 39120.44

(i) pkyw tekjkf'k;k¡ 26.60 159.63 186.24 372.47 0.00 0.00 0.00 0.00 1117.40 1117.40 1117.41 3724.68

(ii) cpr cSa d tekjkf'k;k¡ 39.65 237.87 277.52 555.04 0.00 0.00 0.00 0.00 3330.23 3330.23 3885.27 11100.77

(iii) fe;knh tekjkf'k;k¡ 0.60 77.18 40.98 118.76 276.38 1178.98 639.09 1918.90 3345.52 121.86 10875.19 18474.68

(iv) tek iz ek.k&i=k 0.00 0.00 91.77 91.77 197.15 1410.11 2021.07 2100.21 0.00 0.00 0.00 5820.31

4. m/kj 0.00 0.00 0.00 0.00 0.00 0.00 300.00 90.00 0.00 0.00 0.00 390.00

(i) ek¡ x ,oa vYi lwpuk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) vUrj cS ad (lkof/) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) iqufoZÙk 0.00 0.00 0.00 0.00 0.00 0.00 300.00 90.00 0.00 0.00 0.00 390.00

(iv) vU; (fufnZ "V djs a) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5. vU; ns ;rk,a ,oa izko/ku 49.09 343.56 51.31 443.96 59.17 135.73 89.89 284.29 1149.54 18.48 1779.75 3960.81

(i) ns; fcy 3.93 23.57 27.49 54.99 54.99 0.00 0.00 0.00 989.79 0.00 0.00 1099.77

(ii) vUrj dk;kZ y; lek;ks tu 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) izko/ku 1.10 1.98 3.59 6.67 4.18 128.98 9.28 85.17 93.73 16.68 95.72 440.41

(iv) vU; 44.06 318.01 20.23 382.30 0.00 6.75 80.61 199.12 66.02 1.80 1684.03 2420.63

6. iz frcn vf/dre ½.k lhek 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(i) la LFkkvksa 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) xzkgd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7. udn½.k@vks ojMªkÝV@dk;Z 'khy iaw th ds ek¡x ½.k ds ?kVd dk mi;ks x ugha fd;k x;k Hkkx 1.27 7.64 8.92 17.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.83

8. lk[k i=k@cS ad xkjf.V;k¡ 0.73 4.42 5.16 10.31 10.31 10.31 19.88 0.72 0.00 0.00 0.00 51.53

9. jSiks 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10. iqu Hkq uk;s x;s fcy (DUPN) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. LoS i (Ø;@foØ;) ifjiDo 70.26 539.78 65.69 675.73 102.24 1237.43 1244.35 878.32 0.00 0.00 0.00 4138.07

gks us okys ok;ns

12. ns ; C;kt 0.73 5.15 6.48 12.36 5.14 28.11 28.88 43.64 84.61 49.61 172.38 424.73

13. vU; (fufnZ "V djsa ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

d) dqy cfgxZeu 188.93 1375.23 734.07 2298.23 650.39 4000.67 4343.16 5316.08 9027.30 4637.58 19876.47 50149.88

[k) l a p;h cfgxZ eu 188.93 1564.16 2298.23 2298.23 2948.62 6949.29 11292.45 16608.53 25635.83 30273.41 50149.88



APPENDIX – IV (a)

TABLE 4 (e) : STATEMENT OF STRUCTURAL LIQUIDITY

Statement of Structural Residual Maturity (Rs. In Crores)

Liquidity As On 31.03.2009

OUTFLOWS Day 2-7 8-14 Sub-total 15-28 29 Days >3-6 >6-12 >1-3 >3-5 > 5 TOTAL

1 Days Days 1-14 Days Days -3 mths. Mths. Mths. Years Years Years

1. Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00

2. Reserves and Surplus 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996.47 1996.47

3. Deposi ts 66.85 474.68 596.51 1138.04 473.53 2589.09 2660.16 4019.11 7793.15 4569.49 15877.87 39120.44

(i) Current Deposits 26.60 159.63 186.24 372.47 0.00 0.00 0.00 0.00 1117.40 1117.40 1117.41 3724.68

(ii ) Savings Bank Deposi ts 39.65 237.87 277.52 555.04 0.00 0.00 0.00 0.00 3330.23 3330.23 3885.27 11100.77

(ii i) Term Deposits 0.60 77.18 40.98 118.76 276.38 1178.98 639.09 1918.90 3345.52 121.86 10875.19 18474.68

(iv) Cer tificate of Deposits 0.00 0.00 91.77 91.77 197.15 1410.11 2021.07 2100.21 0.00 0.00 0.00 5820.31

4. Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 300.00 90.00 0.00 0.00 0.00 390.00

(i) Call and Short Notice 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) Inter-Bank(Term) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Refinances 0.00 0.00 0.00 0.00 0.00 0.00 300.00 90.00 0.00 0.00 0.00 390.00

(iv) Others (Specify) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5. Other L iabi lit ies and Prov. 49.09 343.56 51.31 443.96 59.17 135.73 89.89 284.29 1149.54 18.48 1779.75 3960.81

(i) Bills Payable 3.93 23.57 27.49 54.99 54.99 0.00 0.00 0.00 989.79 0.00 0.00 1099.77

(ii) Inter-Office Adjustments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Provisions 1.10 1.98 3.59 6.67 4.18 128.98 9.28 85.17 93.73 16.68 95.72 440.41

(iv) Others 44.06 318.01 20.23 382.30 0.00 6.75 80.61 199.12 66.02 1.80 1684.03 2420.63

6. Lines of Credit Committed to 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(i) Institutions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) Customers 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7. Unavailed Portion of Cash

Credit/OD/Dl Component of WC 1.27 7.64 8.92 17.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.83

8. LC/BGs 0.73 4.42 5.16 10.31 10.31 10.31 19.88 0.72 0.00 0.00 0.00 51.53

9. Repos 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10. Bills Rediscounted(DUPN) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. Swaps(BUY/SELL)/ 70.26 539.78 65.69 675.73 102.24 1237.43 1244.35 878.32 0.00 0.00 0.00 4138.07

Maturing Forwards

12. Interest Payable 0.73 5.15 6.48 12.36 5.14 28.11 28.88 43.64 84.61 49.61 172.38 424.73

13. Others(Specify) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

A) Total Outflows 188.93 1375.23 734.07 2298.23 650.39 4000.67 4343.16 5316.08 9027.30 4637.58 19876.47 50149.88

B) Cumulative outflows 188.93 1564.16 2298.23 2298.23 2948.62 6949.29 11292.45 16608.53 25635.83 30273.41 50149.88



ifjf'k"V – IV ( c ) lkj.kh 4 (;) % <k¡ pkxr rjyrk dk fooj.k

31.03.2009 dks <k¡ pkxr rjyrk vof'k"V ifjiDork ( #i;s djks M+ es a ) dk fooj.k

vUrizZokg fnu 2-7 8-14 vuq ;ks x 15-28 29 fnu& >3-6 >6-12 >1-3 >3-5 > 5 dq y ;ks x 1 fnu fnu 1-14 fnu fnu 3 ekg ekg ekg o"kZ o"kZ o"kZ

1. udn 203.94 0.00 0.00 203.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203.94

2. Hkkjrh; fj”koZ cSa d ds ikl 'ks "k 1411.61 24.10 30.28 1465.99 24.04 131.44 135.05 204.04 395.63 231.98 806.05 3394.22

3. vU; cS adksa ds ikl 'ks"k 61.59 275.00 0.00 336.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 336.59

(i) pkyw [kkrk 61.59 0.00 0.00 61.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59

(ii) ek¡ x eq nz k ,oa vYilw puk ij ns ; /u] fe;knh tek jkf'k;k¡ rFkk vU; fu;ks tu 0.00 275.00 0.00 275.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 275.00

4. fuos'k (jSiks ds vUrxZ r fuos 'k lfgr ijUrq fjolZ jS iks jfgr) 100.00 262.45 0.00 362.45 222.20 259.54 963.81 619.63 2104.16 1328.87 5214.50 11075.16

5. vfxze (vtZ d) 183.99 333.08 601.72 1118.79 702.66 1105.39 1597.58 2309.22 16097.46 2799.67 3765.98 29496.75

(i) [kjhns x;s ,oa Hkquk;s x;s

fcy (Mh;wihu ds va rxZr vkus okys lHkh fcyks a lfgr) 134.63 59.85 101.69 296.17 37.79 148.05 54.33 0.32 4.37 0.10 53.58 594.71

(ii) udnh ½.k] vf/fod"kZ vkSj ek¡x ij iz frns ; ½.k 35.16 210.99 246.16 492.31 492.31 0.00 0.00 0.00 11323.04 0.00 0.00 12307.66

(iii) fe;knh ½.k 14.20 62.24 253.87 330.31 172.56 957.34 1503.02 2308.90 4400.48 2799.57 3712.40 16184.58

(iv) iz kI; d f"k dtZ jkgr@vf/R;kx ds rgr 0.00 0.00 0.00 0.00 0.00 0.00 40.23 0.00 369.57 0.00 0.00 409.80

6. vutZ d vkfLr;k¡ (vfxze vkS j fuos 'k) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 120.49 52.61 173.10

7. vpy lEifr;k¡@iV~ Vkdr vkfLr;k¡ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 171.43 171.43

8. vU; vkfLr;k¡ 252.20 184.29 43.52 480.01 0.54 23.03 0.00 3.70 9.66 2.11 54.13 573.18

(i) vU; (vUrj dk;kZ y; lek;ks tu]

lek'kks/u [kkrk] ,Vh,e vkfn) 0.00 130.65 0.00 130.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 130.65(ii) vU; (mpUr [kkrk] 'kk[kk

flLVe mpUr vkfn) 252.20 53.64 43.52 349.36 0.54 23.03 0.00 3.70 9.66 2.11 54.13 442.53

9. izfrofrZ jsiks 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10. LoS i (foØ;@Ø;) ifjiDdo gks us okyk ok;nk 39.61 515.71 23.06 578.38 70.50 1358.10 1286.76 923.44 0.00 0.00 0.00 4217.18

11. iqu% Hkq uk;s x;s fcy (Mh;wihu) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 izkI; C;kt 0.00 0.00 0.00 0.00 0.00 157.60 289.37 0.00 0.00 0.00 0.00 446.97

13. izfrc¼ ½.k O;oLFkk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14. (v) vU; (Devolvable/ Invocable) (lk[k&i=k@

cSa d xkjf.V;k¡ 0.00 0.00 0.00 0.00 10.31 10.31 10.31 19.88 0.72 0.00 0.00 51.53

15. fu;kZ r iq ufoZÙk lhek 794.26 0.00 0.00 794.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 794.26

x . dq y vUriz Zokg 3047.20 1594.63 698.58 5340.41 1030.25 3045.41 4282.88 4079.91 18607.63 4483.12 10064.70 50934.31

?k . vlUrq yu (x&d) 2858.27 219.40 -35.49 3042.18 379.86 -955.26 -60.28 -1236.17 9580.33 -154.46 -9811.77

M- la p;h vlUrq yu 2858.27 3077.67 3042.18 3042.18 3422.04 2466.78 2406.50 1170.33 10750.66 10596.20 784.43

; . cfgxZ eu ds izfr'kr ds rkSj ij vlUrqyu 1513% 16% -5% 132% 58% -24% -1% -23% 106% -3% -49%

j . la p;h cfgxZ eu ds izfr'kr ds rkS j ij la p;h vlUrq yu 1513% 197% 132% 132% 116% 35% 21% 7% 42% 35% 2%

vlUrq yu dk foosdiw.kZ Lrj @ @ @ @ @ -50% -50% -60% -60% -60% -60%

lap;h vlUrq yu ds fy, foos diw .kZ Lrj -5%* -10%* -15%* -15%* -20%* -30% -30% -30% -30% -30% -30%

@ iw oZ esa Hkkjrh; fj”koZ cS ad us lap;h vla rqyu dh lhek] 1 ls 14 fnu rFkk 15 ls 28 fnu ds dky [k.Mksa gs rq 20» izR;sd esa fu/kZ fjr dj j[kh FkhA * fofo/ dky [k.Mks a esa Hkkjrh; fj”koZ cSa d }kjk fu/kZfjr lap;h vlarq yu dh lhek,s a n'kkZ ;h x;h gS aA



APPENDIX – IV (b)Table 4 (e) STATEMENT OF STRUCTURAL LIQUIDITY

Statement of Structural Residual Maturity (Rs. In Crores)

Liquidity As On 31.03.2009

INFLOWS Day 2-7 8-14 Sub-total 15-28 29D- >3-6 >6-12 >1-3 >3-5 > 5 TOTAL1 Days Days 1-14 Days Days 3mths. Mths. Mths. Years Years Years

1. Cash 203.94 0.00 0.00 203.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203.94

2. Balances With RBI 1411.61 24.10 30.28 1465.99 24.04 131.44 135.05 204.04 395.63 231.98 806.05 3394.22

3. Balances With Other Banks 61.59 275.00 0.00 336.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 336.59

(i) Current Account 61.59 0.00 0.00 61.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59

(ii) Money at Call and Short/ Term/Placement 0.00 275.00 0.00 275.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 275.00

4. Investments (Including Repos) 100.00 262.45 0.00 362.45 222.20 259.54 963.81 619.63 2104.16 1328.87 5214.50 11075.16

5. Advances (Performing) 183.99 333.08 601.72 1118.79 702.66 1105.39 1597.58 2309.22 16097.46 2799.67 3765.98 29496.75

(i) Bills Purchased andDiscounted 134.63 59.85 101.69 296.17 37.79 148.05 54.33 0.32 4.37 0.10 53.58 594.71

(ii) Cash Credits, Overdrafts,Demand Loan 35.16 210.99 246.16 492.31 492.31 0.00 0.00 0.00 11323.04 0.00 0.00 12307.66

(ii i) Term Loans 14.20 62.24 253.87 330.31 172.56 957.34 1503.02 2308.90 4400.48 2799.57 3712.40 16184.58

(iv) Receivable Under Agr.Debt Relief 0.00 0.00 0.00 0.00 0.00 0.00 40.23 0.00 369.57 0.00 0.00 409.80

6. NPAs (Advances) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 120.49 52.61 173.10

7. Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 171.43 171.43

8. Other Assets 252.20 184.29 43.52 480.01 0.54 23.03 0.00 3.70 9.66 2.11 54.13 573.18

(i) Inter Office Adj.(IBIT,Clearing A/C,ATM) 0.00 130.65 0.00 130.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 130.65

(ii) Others (Suspence A/C,Br. Sys. Susp. etc) 252.20 53.64 43.52 349.36 0.54 23.03 0.00 3.70 9.66 2.11 54.13 442.53

9. Reverse Repos

10. Swaps (Sell/Buy) 39.61 515.71 23.06 578.38 70.50 1358.10 1286.76 923.44 0.00 0.00 0.00 4217.18

11. Bills Rediscounted

12 Interest Receivable 0.00 0.00 0.00 0.00 0.00 157.60 289.37 0.00 0.00 0.00 0.00 446.97

13. Committed Lines of Credit

14. Others Devolvable/ Invocable LC/BGs) 0.00 0.00 0.00 0.00 10.31 10.31 10.31 19.88 0.72 0.00 0.00 51.53

15. Expor t Refinance Limit from RBI 794.26 0.00 0.00 794.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 794.26B. Total Inflows 3047.20 1594.63 698.58 5340.41 1030.25 3045.41 4282.88 4079.91 18607.63 4483.12 10064.70 50934.31

C. Mismatch (B-A) 2858.27 219.40 -35.49 3042.18 379.86 -955.26 -60.28 -1236.17 9580.33 -154.46 -9811.77

D. Cumulative Mismatch 2858.27 3077.67 3042.18 3042.18 3422.04 2466.78 2406.50 1170.33 10750.66 10596.20 784.43

E. C AS % To A 1513% 16% -5% 132% 58% -24% -1% -23% 106% -3% -49%

F. D AS % To Cumulative Outflows 1513% 197% 132% 132% 116% 35% 21% 7% 42% 35% 2%

Prudential Level For Mismatch @ @ @ @ @ -50% -50% -60% -60% -60% -60%

Prudential Level For CumulativeMismatch -5%* -10%* -15%* -15%* -20%* -30% -30% -30% -30% -30% -30%

@ RBI Has Prescribed Limits For Cumulative Negative Mismatch as against the Earlier Limit of 20% each for 1 to 14 Days and 15 to 28 Days Buckets. * Figures IndicateLimits Prescribed By RBI.



ifjf'k"V – IV ( l ) lkj.kh 4 (;) % C;ktnj la ons u'khyrk dk fooj.k

31.03.2009 dks C;kt nj la os nu'khyrk dk fooj.k vof'k"V ifjiDork (#i;s djks M+ es a )

ns;rk,¡ 1-28 29 fnu - >3-6 >6-12 >1-3 >3-5 > 5 vla os nu'khy dqy ;ks x fnu 3 ekg ekg ekg o"kZ o"kZ o"kZ

1. iw ¡ th 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00

2. vkjf{kr fuf/;k¡ ,oa vf/'ks"k 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996.47 1996.47

3. tek jkf'k;k¡ 1025.18 3553.71 11985.35 7020.46 8578.26 312.47 145.14 6499.87 39120.44

(i) pkyw tek jkf'k;k¡ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3724.68 3724.68

(ii) cpr cS a d tek jkf'k;k¡ 0.00 0.00 8325.58 0.00 0.00 0.00 0.00 2775.19 11100.77

(iii) lkof/ tek jkf'k;k¡ 736.26 2143.60 1638.70 4920.25 8578.26 312.47 145.14 0.00 18474.68

(iv) tek iz ek.k&i=k 288.92 1410.11 2021.07 2100.21 0.00 0.00 0.00 0.00 5820.31

4. m/kj 0.00 0.00 300.00 90.00 0.00 0.00 0.00 0.00 390.00

(i) ek¡ x vkSj vYi lw puk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) vUrj cS a d (lkof/) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) iq ufoZÙk 0.00 0.00 300.00 90.00 0.00 0.00 0.00 0.00 390.00

(iv) vU; (Li"V djs a ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5. vU; ns ;rk,¡ ,oa iz ko/ku 0.00 0.00 0.00 0.00 0.00 0.00 1650.00 2310.81 3960.81

(i) ns ; fcy 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1099.77 1099.77

(ii) vUrj% dk;kZ y; lek;ks tu 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) iz ko/ku 0.00 0.00 0.00 0.00 0.00 0.00 0.00 440.41 440.41

(iv) vU; 0.00 0.00 0.00 0.00 0.00 0.00 1650.00 770.63 2420.63

6. jS iks 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7. iq u% cV~ Vkxr fcy (Mh;w ih,u) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8. LoS i (Ø;@foØ;)@ifjiDo gks us okyk ok;nk 777.97 1237.43 1244.35 878.32 0.00 0.00 0.00 0.00 4138.07

ns ; C;kt 17.50 28.11 28.88 43.64 84.61 49.61 172.38 0.00 424.73

9. vU; (Li"V djs a ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

v . dq y ns ;rk,¡ 1820.65 4819.25 13558.58 8032.42 8662.87 362.08 1967.52 10857.15 50080.52



APPENDIX – IV (c)Table 4 (e) : STATEMENT OF INTEREST RATE SENSITIVITY

Statement Of Interest Rate Sensitivity As On 31.03.2009 Residual Maturity (Rs. In Crores)

Liabilities 1-28 29D- >3-6 >6-12 >1-3 >3-5 > 5 Non-

Days 3mths Mths Mths Years Years Years Sensitive Total

1. Capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00

2. Reserves And Surplus 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1996.47 1996.47

3. Deposits 1025.18 3553.71 11985.35 7020.46 8578.26 312.47 145.14 6499.87 39120.44

(i) Current Deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3724.68 3724.68

(ii) Savings Bank Deposits 0.00 0.00 8325.58 0.00 0.00 0.00 0.00 2775.19 11100.77

(iii) Term Deposits 736.26 2143.60 1638.70 4920.25 8578.26 312.47 145.14 0.00 18474.68

(iv) Certificate Of Deposits 288.92 1410.11 2021.07 2100.21 0.00 0.00 0.00 0.00 5820.31

4. Borrowings 0.00 0.00 300.00 90.00 0.00 0.00 0.00 0.00 390.00

(i) Call And Short Notice 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii) Inter-Bank(Term) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Refinances 0.00 0.00 300.00 90.00 0.00 0.00 0.00 0.00 390.00

(iv) Others (Specify) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5. Other Liabilities And Prov. 0.00 0.00 0.00 0.00 0.00 0.00 1650.00 2310.81 3960.81

(i) Bills Payable 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1099.77 1099.77

(ii) Inter-Office Adjustments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 440.41 440.41

(iv) Others 0.00 0.00 0.00 0.00 0.00 0.00 1650.00 770.63 2420.63

6. Repos 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7. Bills Rediscounted(Dupn) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8. Swaps(Buy/Sell)/ 777.97 1237.43 1244.35 878.32 0.00 0.00 0.00 0.00 4138.07

Interest Payable 17.50 28.11 28.88 43.64 84.61 49.61 172.38 0.00 424.73

9. Others(Specify) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

A. Total Liabilities 1820.65 4819.25 13558.58 8032.42 8662.87 362.08 1967.52 10857.15 50080.52



ifjf'k"V – IV ( n)

lkj.kh 4 (;) % C;ktnj la os nu'khyrk dk fooj.k

31-03-2009 dks C;kt nj la os nu'khyrk dk fooj.k vof'k"V ifjiDork (#i;s djks M+ es a )

vkfLr;k¡ 1-28 29 fnu - >3-6 >6-12 >1-3 >3-5 > 5 vla os nu'khy dqy ;ks x fnu 3 ekg ekg ekg o"kZ o"kZ o"kZ

1. udn 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203.94 203.94

2. Hkkjrh; fj”koZ cS ad ds ikl 'ks"k 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3394.22 3394.22

3. vU; cS a dks a ds ikl 'ks "k 275.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59 336.59

3.1 pkyw [kkrk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59 61.59

3.2. ek¡ x eq nz k ,oa vYi lw puk ij 275.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 275.00 iz frns; jkf'k uks fVl] lkof/ tek,¡ ,oa vU; fu;ks tu

4. fuos 'k (js iks t lfgr) 452.40 259.54 963.81 619.63 2104.16 1324.42 5068.32 282.88 11075.16

ys fdu fjolZ js iks t dks Nks M+ dj

4.v ftues a ls tks ifjiDo gq bZ 235.20 54.04 12.14 256.42 1914.38 1239.35 4647.66 64.99 8424.18

5. vfxz e (vtZ d) 838.73 1105.55 23703.98 4.13 15.71 17.83 251.10 3541.89 29478.92

(i) [kjhns x;s ,oa cV~ Vkxr fcy 333.96 148.05 54.33 0.32 4.37 0.10 53.58 0.00 594.71

(ii) udn lk[k] vf/fod"kZ ,oa ek¡ x ½.k 1.90 0.16 8944.69 0.42 4.89 13.62 192.06 3132.09 12289.83

(iii) fe;knh ½.k 502.87 957.34 14704.96 3.39 6.45 4.11 5.46 0.00 16184.58

(iv) iz kI; d f"k dtZ jkgr@vf/R;kx ds rgr 0.00 0.00 0.00 0.00 0.00 0.00 0.00 409.80 409.80

6. xS j&fu"ikfnr vkfLr;k¡ (½.k) 0.00 0.00 0.00 0.00 0.00 120.49 52.61 0.00 173.10

7. vpy vkfLr;k¡ @iV~ Va s okyh vkfLr;k¡ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 171.43 171.43

8. vU; vkfLr;k¡ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 573.18 573.18

(i) vUr% dk;kZ y; lek;ks tu 0.00 0.00 0.00 0.00 0.00 0.00 0.00 130.65 130.65

(ii) vU; 0.00 0.00 0.00 0.00 0.00 0.00 0.00 442.53 442.53

9. fjolZ js iks t 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10. LoS i (foØ;@Ø;) 648.88 1358.10 1286.76 923.44 0.00 0.00 0.00 0.00 4217.18

ifjiDo ok;nk 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. iq u% Hkq uk;s x;s fcy 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12. iz kI; C;kt 0.00 157.60 289.37 0.00 0.00 0.00 0.00 0.00 446.97

13. opuc¼ Lohd r vf/dre ½.k lhek 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14. vU; (Li"V djs a ) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

c . dq y vkfLr;k¡ 2215.01 2880.79 26243.92 1547.20 2119.87 1462.74 5372.03 8229.13 50070.69

l . vUrj (c&v) 394.36 -1938.46 12685.34 -6485.22 -6543.00 1100.66 3404.51 -2628.02 0.00

n . lap;h vUrj 394.36 -1544.10 11141.24 4656.02 -1886.98 -786.32 2618.19 -9.83 0.00

; . c ds iz fr l dk iz fr'kr 18% -67% 48% -419% -309% 75% 63% -32%

j . c ds iz fr n dk iz fr'kr 18% -30% 36% 14% -5% -2% 6% 0%

y . dq y vkj,l, ds iz fr l dk iz fr'kr 0.94% -4.63% 30.32% -15.50% -15.64% 2.63% 8.14% -6.28%

vUrj ds fy, foos diw .kZ Lrj (ls vf/d ugha ) 35% 35% 35% 30% 30% 30% 30%



APPENDIX – IV (d)

Table 4 (e) : STATEMENT OF INTEREST RATE SENSITIVITY

Statement Of Interest Rate Sensitivity As On 31.03.2009 Residual Maturity (Rs. In Crores)

Assets 1-28 29D- >3-6 >6-12 >1-3 >3-5 > 5 N-Days 3mths Mths Mths Years Years Years Sensitive Total

1. Cash 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203.94 203.94

2. Balances With RBI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3394.22 3394.22

3. Balances With Other Banks 275.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59 336.59

3.1 Current Account 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61.59 61.59

3.2. Money At Call And Short 275.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 275.00Notice, Term Deposits AndOther Placements

4. Investments (Including Repos 452.40 259.54 963.81 619.63 2104.16 1324.42 5068.32 282.88 11075.16But Excluding Rev. Repos

4.A Out of Which Held to Maturity 235.20 54.04 12.14 256.42 1914.38 1239.35 4647.66 64.99 8424.18

5. Advances (Performing) 838.73 1105.55 23703.98 4.13 15.71 17.83 251.10 3541.89 29478.92

(i) Bills Purchased & Discounted 333.96 148.05 54.33 0.32 4.37 0.10 53.58 0.00 594.71

(ii) Cash Credits,Overdrafts &Demand Loans 1.90 0.16 8944.69 0.42 4.89 13.62 192.06 3132.09 12289.83

(iii) Term Loans 502.87 957.34 14704.96 3.39 6.45 4.11 5.46 0.00 16184.58

(iv) Receivable under agr. Debt Relief 0.00 0.00 0.00 0.00 0.00 0.00 0.00 409.80 409.80

6. NPAs (Advances ) 0.00 0.00 0.00 0.00 0.00 120.49 52.61 0.00 173.10

7. Fixed Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 171.43 171.43

8. Other Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 573.18 573.18

(i) Inter Office Adjustments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 130.65 130.65

(ii) Others 0.00 0.00 0.00 0.00 0.00 0.00 0.00 442.53 442.53

9. Reverse Repos 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10. Swaps (Sell/Buy) 648.88 1358.10 1286.76 923.44 0.00 0.00 0.00 0.00 4217.18

Maturing Forwards 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. Bills Rediscounted 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12. Interest Receivable 0.00 157.60 289.37 0.00 0.00 0.00 0.00 0.00 446.97

13. Committed Lines Of Credit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14. Others (Specify) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

B. Total Assets 2215.01 2880.79 26243.92 1547.20 2119.87 1462.74 5372.03 8229.13 50070.69C. Gap(B-A) 394.36 -1938.46 12685.34 -6485.22 -6543.00 1100.66 3404.51 -2628.02 0.00

D. Cumulative Gap 394.36 -1544.10 11141.24 4656.02 -1886.98 -786.32 2618.19 -9.83 0.00

E. C AS % To B 18% -67% 48% -419% -309% 75% 63% -32%

F. D AS % To B 18% -30% 36% 14% -5% -2% 6% 0%

G. C AS % To Total Rt.Sens.Assets 0.94% -4.63% 30.32% -15.50% -15.64% 2.63% 8.14% -6.28%

Prudential Level for Gap(Not to Exceed) 35% 35% 35% 30% 30% 30% 30%



ifjf'k"V – V

lkj.kh 6% dqy tks f[ke iz 'kkedks a (Mitigants) ds vUrxZ r tks f[ke l?kuhdj.k (31 ekpZ] 2009 dks)

foÙkh; tks f[ke tks f[ke iz 'kkedks a dh cdk;k jkf'k tks f[ke l?kuhdj.k iz 'kked (#i;s djks M+ es a ) (iz fr'kr es a)

udn@VhMhvkj 1058.43 87.49%

lksuk 0.27 0.02%

,u-,l-lh@ds-oh-ih- 124.80 10.32 %

,y-vkbZ -lh- iks fylh 9.55 0.79%

ljdkjh@vkj-ch-vkbZ - iz frHkw fr;k¡ (jk"Vª h; cpr&i=kks a ds vykok) 16.66 1.38 %

½.k&[email protected]~l 0.00 0.00 %

vU; 0.00 0.00 %

dq y ;ks x 1209.71 100%

ifjf'k"V -VI

,dhÑr tks f[ke iz cU/u foHkkx dk la xBukRed pkVZ

egkizcU/d

mi egkiz cU/d (vkbZ vkj,e)

lgk;d egkiz cU/d (vkbZvkj,e)

lw puk cktkj tks f[ke ½.k tks f[ke ifjpkyu tks f[ke ckls y&II

iz cU/u iz cU/u iz cU/u izcU/u iz dks "B iz .kkyh [k.M [k.M [k.M

cktkj tks f[ke vkfLr ns ;rk iz cU/u ny iz cU/u



APPENDIX – V

Table 6 : RISK CONCENTRATIONS WITHIN THE TOTAL RISK MITIGANTS (AS ON 31.03.2009)

Financial Risk Outstanding Amount of Risk Concentration (%)Mitigants Risk Mitigants (Rs. In crs)

Cash / TDR 1058.43 87.49%

Gold 0.27 0.02%

NSC / KVP 124.80 10.32 %

LIC Policy 9.55 0.79%

Govt/RBI Securities (Except NSC) 16.66 1.38 %

Debentures/ Bonds 0.00 0.00 %

Others 0.00 0.00 %

Total 1209.71 100%

APPENDIX-VI

ORGANISATIONAL CHART OF INTERGRATED RISK MANAGEMENT DEPARTMENT (IRMD)

General Manager

Dy. General Manager (IRM)

Asstt. General Maneger(IRM)

Management Market Risk Credit Risk Operational BASEL-II CELLInformation Management Management RiskSystem Division Division Management

Division

Market AssetRisk Liability

Management ManagementTeam



LVs V cS a d vkW iQ chdkus j ,.M t;iq j dk 31 ekpZ] 2009 dh fLFkfr ds vuq lkj rq yu&i=k BALANCE SHEET OF STATE BANK OF BIKANER AND JAIPUR AS ON 31ST MARCH, 2009

(‘000 dks Nks M+ fn;k x;k gS)(‘000 omitted)

vuq lwph 31-03-2009 dh 31-03-2008 dh Schedule fLFkfr ds vuq lkj fLFkfr ds vuq lkj

As on 31.03.2009 As on 31.03.2008

iw ¡ th vkS j nkf;Ro #- Rs. #- Rs.

CAPITAL AND LIABILITIES

iw¡th Capital 1 50,00,00 50,00,00

vkjf{kfr;ka vkS j vf/'ks "k Reserves and Surplus 2 19,96,46,77 16,63,21,16

fu{ksi Deposits 3 3,92,24,42,15 3,41,08,43,43

m/kj Borrowings 4 7,85,45,47 10,69,34,65

vU; nkf;Ro rFkk iz ko/ku Other liabilities and provisions 5 43,13,85,66 42,63,00,71

tks M+ / TOTAL : 4,63,70,20,05 4,11,53,99,95

vkfLr;ka ASSETS

udnh vkS j Hkkjrh; fj”koZ cS a d es a vfr'ks "k Cash and balances with Reserve Bank of India 6 35,98,16,64 39,08,29,95

cS a dks a es a vfr'ks "k vkS j eka x ij rFkk vYi lw puk ij iz kI; /u Balances with banks and money 7 7,20,68,65 6,10,43,45at call and short notice

fofu/ku Investments 8 1,09,98,79,35 1,04,98,36,00

vfxz e Advances 9 2,98,50,70,74 2,50,75,94,11

fLFkj vkfLr;ka Fixed Assets 10 1,71,42,87 1,60,76,85

vU; vkfLr;ka Other Assets 11 10,30,41,80 9,00,19,59

tks M+ / TOTAL : 4,63,70,20,05 4,11,53,99,95



LVs V cS a d vkW iQ chdkus j ,.M t;iq j dk 31 ekpZ] 2009 dh fLFkfr ds vuq lkj rq yu&i=k BALANCE SHEET OF STATE BANK OF BIKANER AND JAIPUR AS ON 31ST MARCH, 2009

iw okZ uq c¼ / Contd.


vuq lwph 31-03-2009 dh 31-03-2008 dh Schedule fLFkfr ds vuq lkj fLFkfr ds vuq lkj

As on 31.03.2009 As on 31.03.2008

lekfJr nkf;Ro #- Rs. #- Rs.

Contingent liabilities 12 1,10,52,32,61 1,60,78,99,28

la xz g.k ds fcy Bills for Collection 1,69,23,46 1,57,18,09

iz eq [k ys [kk uhfr;ka

Principal Accounting Policies 17

[kkrksa ij fVIif.k;ka Notes on accounts 18

v#.k 'kkf.MY; çcU/ funs 'kd

ARUN SHANDILYAManaging Director

vks-ih- HkV~ V vè;{k

O.P. BHATTChairman

lq iz rhd pW VthZ eq [; egkiz cU/d

SUPRATIK CHATTERJEEChief General Manager

lq /hj nq cs egkiz cU/d (dks "k)

SUDHIR DUBEY General Manager

(Treasury)

,l- ,- fFkEeS ;k S.A. THIMMIAH

la tho vxz oky SANJIV AGARWAL

jru dq ekj :a xVk

RATAN KUMAR ROONGTA

vejhd fla g

AMRIK SINGH

fdj.k vkj- fla g miegkiz cU/d (foÙk ,oa ys [kk)

KIRAN R. SINGHDy. General Manager(Finance & Accounts)

v'kks d dq ekj 'kq Dyk ASHOK KUMAR SHUKLA

blh fnuka d dh gekjh vyx fjiksVZ ds vuq lkj As per our separate report of even date

okLrs ch-,y- vtes jk ,.M da - okLrs vks-ih- ckxyk ,.M da - okLrs ,fy;kl tkW tZ ,.M da - okLrs lh-vkj-es grk ,.M da - okLrs O;kl ,.M O;kl lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj

la tho ekFkq j vks-ih- ckxyk FkkW elu FkkW el lh-vkj- es grk lh-ih- diw j ( l-l- 75325) ( l-l- 08858) ( l-l- 25567) ( l-l- 10988) ( l-l-71275)lk>snkj lk>snkj lk>s nkj lk>s nkj lk>s nkj

For B.L. AJMERA & CO. For O.P. BAGLA & CO. For ELIAS GEORGE & CO. For C.R. MEHTA & CO. For VYAS & VYAS

Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

(SANJEEV MATHUR) (O.P. BAGLA) (THOMSON THOMAS) (C.R. MEHTA) (C.P. KAPOOR)(M. No.75325) (M. No.08858) (M. No.25567) (M. No.10988) (M. No.71275)

PARTNER PARTNER PARTNER PARTNER PARTNER

eq EcbZ ] viz S y 23] 2009 MUMBAI, April 23, 2009

funs 'kd Directors

thcu xks Lokeh JIBAN GOSWAMI

jes 'k pUæ RAMESH CHANDER



31 ekpZ] 2009 dks lekIr o"kZ ds fy, ykHk vkS j gkfu [kkrk PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2009


vuq lwph 31-03-2009 dks 31-03-2008 dksSchedule lekIr o"kZ lekIr o"kZ

Year ended Year ended

31.03.2009 31.03.2008

#- Rs. #- Rs.

I. vk; INCOME

vftZr C;kt

Interest earned 13 38,10,28,00 30,52,02,37

vU; vk; Other income 14 5,77,05,19 4,71,65,91

tks M+ / TOTAL : 43,87,33,19 35,23,68,28

II. O;; EXPENDITURE

O;; fd;k x;k C;kt Interest expended 15 27,07,05,77 21,12,98,33

ifjpkyu O;; Operating expenses 16 7,87,43,71 7,49,51,44

çko/ku vkS j vkdfLed O;; Provisions and contingencies 4,89,38,41 3,46,18,34

tks M+ / TOTAL : 39,83,87,89 32,08,68,11

III. ykHk PROFIT

o"kZ ds 'kq ¼ ykHk Net Profit for the year 4,03,45,30 3,15,00,17

vxz kuhr ykHk Profit brought forward 6 4

tks M+ / TOTAL : 4,03,45,36 3,15,00,21



31 ekpZ] 2009 dks lekIr o"kZ ds fy, ykHk vkS j gkfu [kkrk PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2009

iw okZ uq c¼ / Contd.


vuq lwph 31-03-2009 dks 31-03-2008 dksSchedule lekIr o"kZ lekIr o"kZ


31.03.2009 31.03.2008

IV. fofu;ks tu #- Rs. #- Rs.APPROPRIATIONS

oS/kfud vkjf{kfr;ksa dks vUrj.k Transfer to Statutory Reserves 1,21,03,60 94,50,06

iw¡th vkjf{kfr;ksa dks vUrj.k Transfer to Capital Reserves 4,05,33 54,94

jktLo ,oa vU; vkjf{kfr;ksa dks vUrj.k Transfer to Revenue and Other Reserves 2,08,16,70 1,61,45,40

izLrkfor ykHkka'k Proposed Dividend 60,00,00 50,00,00

ykHkka'k dj Dividend Tax 10,19,70 8,49,75vfr'ks "k tks vkxs rq yu&i=k es a ys tk;k x;k gSBalance carried over to Balance Sheet 3 6

tks M+ / TOTAL : 4,03,45,36 3,15,00,21

ewy@vofefJr izfr 'ks;j vtZu (#i;s esa)Basic/Diluted Earnings per Share (in Rs.) 80.69 63.00

iz eq [k ys [kk uhfr;ka / Principal Accounting Policies 17 [kkrks a ij fVIif.k;ka /Notes on Accounts 18



vks-ih- HkV~ V vè;{k

O.P. BHATTChairman

thcu xksLokeh JIBAN GOSWAMI

jes 'k pUæ RAMESH CHANDER

lq iz rhd pW VthZ eq [; egkiz cU/d


lq /hj nq cs egkiz cU/d (dks "k)SUDHIR DUBEY General Manager

(Treasury)

,l- ,- fFkEeS ;k S.A. THIMMIAH

la tho vxz oky SANJIV AGARWAL

jru dq ekj :a xVk RATAN KUMAR ROONGTA

vejhd fla g AMRIK SINGH

fdj.k vkj- fla g miegkiz cU/d (foÙk ,oa ys [kk)


v'kks d dq ekj 'kq Dyk ASHOK KUMAR SHUKLA

blh fnukad dh gekjh vyx fjiks VZ ds vuq lkj As per our separate report of even date

okLrs ch-,y- vtes jk ,.M da - okLrs s vks-ih- ckxyk ,.M da - okLrs ,fy;kl tkW tZ ,.M da - okLrs lh-vkj-es grk ,.M da - okLrss O;kl ,.M O;kl lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj latho ekFkq j vks-ih- ckxyk FkkW elu FkkW el lh-vkj- es grk lh-ih- diw j ( l-l- 75325) ( l-l- 08858) ( l-l- 25567) ( l-l- 10988) ( l-l-71275)

lk>s nkj lk>snkj lk>snkj lk>snkj lk>snkj





eq EcbZ ] viz S y 23] 2009 MUMBAI, April 23, 2009

funs'kd Directors



vuq lw iw ¡th SCHEDULE 1 CAPITAL


31-03-2009 dh 31-03-2008 dh fLFkfr ds vuq lkj fLFkfr ds vuq lkj

As on 31.03.2009 As on 31.03.2008

çkf/Ñr iw ¡ th #- Rs. #- Rs.

(20-10-2008 ls 10 #i;s iz fr 'ks ;j okys 50]00]00]000 bZ fDoVh 'ks ;j)(fiNys o"kZ 100 #i;s iz fr 'ks ;j okys 5]00]00]000 bZ fDoVh 'ks ;j)

Authorised Capital 5,00,00,00 5,00,00,00(50,00,00,000 equity shares of Rs.10/- each w.e.f. 20.10.2008)(Previous Year 5,00,00,000 equity shares of Rs.100/- each)

iqjks/` r iw ¡ th (20-10-2008 ls 10 #i;s iz fr 'ks ;j okys 5]00]00]000 bZ fDoVh 'ks ;j)(fiNys o"kZ 100 #i;s iz fr 'ks ;j okys 50]00]000 bZ fDoVh 'ks ;j)

Issued Capital 50,00,00 50,00,00(5,00,00,000 equity shares of Rs.10/- each w.e.f. 20.10.2008)(Previous Year 50,00,000 equity shares of Rs.100/- each)

iz frJqr] vkgw r rFkk iz nÙk iw¡ th (20-10-2008 ls 10 #i;s iz fr 'ks ;j okys 5]00]00]000 bZ fDoVh 'ks ;j)(fiNys o"kZ 100 #i;s iz fr 'ks ;j okys 50]00]000 bZ fDoVh 'ks ;j)

Subscribed, Called-up & Paid-up Capital 50,00,00 50,00,00(5,00,00,000 equity shares of Rs.10/- each w.e.f. 20.10.2008)(Previous Year 50,00,000 equity shares of Rs.100/- each)

tks M+ / TOTAL : 50,00,00 50,00,00



vuq lw ph 2 vkjf{kfr;ka vkS j vf/'ks "k SCHEDULE 2 RESERVES & SURPLUS



As on 31.03.2009 As on 31.03.2008

I. oS/kfud vkjf{kfr;ka / Statutory Reserves #- Rs. #- Rs.

vFk'ks"k Opening Balance 6,54,92,95 5,60,42,89

o"kZ ds nkSjku ifjo/Zu Additions during the year 1,21,03,60 94,50,06

o"kZ ds nkS jku dVkS fr;ka Deductions during the year — —

tks M+ / TOTAL : 7,75,96,55 6,54,92,95

II. iw ¡th vkjf{kfr;ka / Capital Reserves

vFk'ks"k Opening Balance 11,10,22 10,55,28

o"kZ ds nkS jku ifjo/Z u Additions during the year 4,05,33 54,94


tksM+ / TOTAL : 15,15,55 11,10,22

III. 'ks ;j iz hfe;e / Share PremiumvFk'ks"k Opening Balance 1,06,64,49 1,06,64,49

o"kZ ds nkS jku ifjo/Z u Additions during the year — —

o"kZ ds nkSjku dVkSfr;ka Deductions during the year — —

tksM+ / TOTAL : 1,06,64,49 1,06,64,49

IV. jktLo ,oa vU; vkjf{kfr;ka / Revenue & Other Reserves

vFk'ks"k

Opening Balance 8,90,53,45 9,26,08,07 o"kZ ds nkS jku ifjo/Z u Additions during the year 2,08,16,70 1,61,45,40

o"kZ ds nkS jku dVkS fr;ka Deductions during the year — 1,97,00,03

tksM+ / TOTAL : 10,98,70,15 8,90,53,44

V. ykHk vkS j gkfu [kkrs dk vfr'ks "k Balance in Profit & Loss Account 3 6

tks M+ % (I, II, III, IV ,oa V) / TOTAL : (I, II, III, IV and V) 19,96,46,77 16,63,21,16



vuq lw h 3 fu{ksiSCHEDULE 3 DEPOSITS


31-03-2009 dh 31-03-2008 dh

fLFkfr ds vuq lkj fLFkfr ds vuq lkj As on 31.03.2009 As on 31.03.2008

d- I. eka x fu{ks i #- Rs. #- Rs.

A. Demand Deposits

i) cS a dka s ls / From banks 4,51,26,80 3,74,93,99

ii) vU; ls / From others 32,82,26,86 30,81,68,98

II. cpr cS a d fu{ks i Savings Bank Deposits 1,11,00,77,17 85,71,42,48

III. lkof/ fu{ks i Term Deposits

i) cS a dka s ls / From banks 11,65,03 10,32,81,88

ii) vU; ls / From others 2,43,78,46,29 2,10,47,56,10 tksM+ % (I, II ,oa III) TOTAL : (I, II and III) 3,92,24,42,15 3,41,08,43,43

[k- i) Hkkjr es a 'kk[kkvks a ds fu{ks i B. Deposits of branches in India 3,92,24,42,15 3,41,08,43,43

ii) Hkkjr ds ckgj dh 'kk[kkvks a ds fu{ks i Deposits of branches outside India — —

tks M+ / TOTAL : 3,92,24,42,15 3,41,08,43,43

vuq lw m/kj SCHEDULE 4 BORROWINGS



As on 31.03.2009 As on 31.03.2008

I. Hkkjr es a m/kj #- Rs. #- Rs.

Borrowings in India

i) Hkkjrh; fj”koZ cS a d Reserve Bank of India — —

ii) vU; cS ad (Hkkjrh; LVs V cS ad)

Other Banks (State Bank of India) — 4,00,00,00iii) vU; la LFkk, vkS j vfHkdj.k Other Institutions and Agencies 3,90,00,00 —

II. Hkkjr ds ckgj ls m/kj Borrowings outside India 3,95,45,47 6,69,34,65

[ fons 'kh eq nzk fejW j (uks LVª ks) [kkrks a es a tek 'ks "k jkf'k #- 294-01 djks M+ lfgr (xr o"kZ #- 404-55 djks M+)]

[including Rs.294.01 crores being credit balance in Foreign Currency Mirror (NOSTRO)

Accounts. (Previous Year Rs.404.55 crores)]

tks M + % (I ,oa II) / TOTAL : (I and II) 7,85,45,47 10,69,34,65

mij I es a lfEefyr iz frHkwr m/kj Secured borrowings included in I above — —



vuqlw ph 5 vU; nkf;Ro vkS j iz ko/ku SCHEDULE 5 OTHER LIABILITIES AND PROVISIONS


31-03-2009 dh 31-03-2008 dh


I. la ns ; fcy #- Rs. #- Rs.

Bills Payable 10,99,76,62 10,37,65,18

II. va rj&dk;kZ y; lek;ks tu (fuoy)Inter-office adjustments (net) — —

III. çks n~ Hkw r C;kt Interest accrued 4,29,42,38 3,29,73,63

IV. d- i) 7-20% dh nj ls 111 ekg ds vjf{kr v/huLFk iz frns ; ca /i=k A. i) 111 months Unsecured Subordinated Redeemable Bonds @ 7.20% 2,00,00,00 2,00,00,00

ii) 7-45% dh nj ls 111 ekg ds vjf{kr v/huLFk iz frns ; ca /i=k ii) 111 months Unsecured Subordinated Redeemable Bonds @ 7.45% 3,00,00,00 3,00,00,00iii) 9-15% dh nj ls 120 ekg ds vjf{kr v/huLFk iz frns ; ca /i=k iii) 120 months Unsecured Subordinated Redeemable Bonds @ 9.15% 5,00,00,00 5,00,00,00

[k- i) 10-25% dh nj ls vij fV;j&2 ca /i=k lhfjt&I

B. i) Upper Tier - II Bonds Series - I @ 10.25% 1,50,00,00 1,50,00,00

ii) 9-78% dh nj ls vij fV;j&2 ca /i=k lhfjt&II

ii) Upper Tier - II Bonds Series - II @ 9.78% 3,00,00,00 3,00,00,00

x- 9-85% dh nj ls lrr fV;j&I (vkbZ ihMhvkbZ ) ca /i=k lhfjt&I

C. Perpetual Tier-I (IPDI) Bonds Series-I @ 9.85% 2,00,00,00 2,00,00,00

V. vU; (bles a çko/ku lfEefyr gS a )Others (including provisions) 11,34,66,66 12,45,61,90

tks M+ / TOTAL : 43,13,85,66 42,63,00,71

vuq lw ph 6 udnh vkS j Hkkjrh; fj”koZ cS a d es a vfr'ks "k SCHEDULE 6 CASH AND BALANCES WITH RESERVE BANK OF INDIA



As on 31.03.2009 As on 31.03.2008

I. gkFk udnh #- Rs. #- Rs.

Cash in hand 2,03,94,39 81,32,48

(bles a fons'kh eq nz k uks V lfEefyr gS a)(including foreign currency notes)

II. Hkkjrh; fjt+oZ cSa d esa vfr'ks "k Balance with Reserve Bank of India

i) pkyw [kkrks a es a In Current Accounts 33,94,22,25 38,26,97,47

ii) vU; [kkrks a es a in Other Accounts — —

tks M + % (I ,oa II) / TOTAL : (I & II) 35,98,16,64 39,08,29,95



vuq lw ph 7 cS a dks esa vfr'ks "k vkS j eka x ij rFkk vYi lw puk ij iz kI; /u SCHEDULE 7 BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE



As on 31.03.2009 As on 31.03.2008

I. Hkkjr es a #- Rs. #- Rs.

In India

i) cS a dka s es a vfr'ks "k Balance with banks

d) pkyw [kkrks a es a a) in Current Accounts 61,59,08 56,69,37

[k) vU; tek [kkrk s a es a b) in Other Deposit Accounts — —

ii) eka x vkS j vYi lw puk ij iz kI; /u Money at call and short notice

d) cS a dksa ds ikl a) with banks 2,75,00,00 —

[k) vU; la LFkkvks a ds ikl b) with other institutions — —

tks M+ % (i ,oa ii) / TOTAL : (i & ii) 3,36,59,08 56,69,37

II. Hkkjr ds ckgj Outside India

i) pkyw [kkrks a es a in Current Accounts 3,84,09,57 4,33,38,08

ii) vU; tek [kkrks a es a in Other Deposit Accounts — 1,20,36,00

iii) eka x vkS j vYi lwpuk ij iz kI; /u Money at call and short notice — —

tks M+ % (i, ii ,o a iii) / TOTAL : (i, ii & iii) 3,84,09,57 5,53,74,08

tks M+ % (I ,oa II) / TOTAL : (I & II) 7,20,68,65 6,10,43,45



vuq lw ph 8 fofu/ku SCHEDULE 8 INVESTMENTS



As on 31.03.2009 As on 31.03.2008

I. Hkkjr es a fofu/ku #- Rs. #- Rs.

Investments in India in

i) ljdkjh iz frHkw fr;ka / Government securities 1,04,08,03,12 96,78,69,95

ii) vU; vuq eksfnr iz frHkw fr;ka / Other approved securities 59,23,68 71,98,14

iii) 'ks ;j / Shares 84,51,60 93,92,17

iv) ½.ki=k vkS j ca /i=k / Debentures and Bonds 1,23,05,77 1,05,36,75

v) leuq "ka xh vkS j / vFkok lg m|e / {ks =kh; xz keh.k cS a d Subsidiaries and/or joint ventures/ 13,77,58 13,77,58Regional Rural Banks

vi) vU; / Others

iz frHkw fr jlhn / Security Receipts 9,15,39 10,36,24

Hkkjrh; ;w fuV Vª LV ds va 'knk;h 'ks ;j Contributory shares of UTI — —

ukckMZ ds ikl vkj vkbZ Mh ,iQ ;ks tuk ds vUrxZ r tek

Deposit with NABARD under RIDF Scheme 47,31,38 52,92,39

fu{ks i iz ek.k i=k / Certificate of Deposit 1,91,69,62 3,73,42,36

E;q P;q vy iQa M / Mutual Funds 62,01,21 97,90,42

tks M + / TOTAL : 1,09,98,79,35 1,04,98,36,00

II. Hkkjr ds ckgj fofu/ku Investments outside India in

i) ljdkjh iz frHkw fr;ks a es a (blesa LFkkuh; iz kf/dj.k lfEefyr gSa)Government securities (including local authorities) — —

ii) fons 'kks a es a leuq "ka xh vkS j @ vFkok lg m|e Subsidiaries and/or joint ventures abroad — —

iii) vU; fofu/ku Other investments — —

tks M+ / TOTAL : — —

tks M+ % (I ,o a II) / TOTAL : (I & II) 1,09,98,79,35 1,04,98,36,00



vuq lw 9 vfxzeSCHEDULE 9 ADVANCES


31-03-2009 dh 31-03-2008 dh fLFkfr ds vuq lkj fLFkfr ds vuq lkj As on 31.03.2009 As on 31.03.2008

d- i) Ø; fd, x, vkS j ferhdkVs ij Hkq xrku fd, x, fofue; i=k #- Rs. #- Rs.

A. Bills purchased and discounted 5,63,44,01 9,99,50,06

ii) udn&lk[k] vks ojMª kÝV vkS j ekax ij iz fr&lans ; m/kj Cash Credits, overdrafts and loans repayable on demand 1,24,07,01,47 1,35,20,68,78

iii) lkof/ m/kj Term loans 1,68,80,25,26 1,05,55,75,27

tks M+ / TOTAL : 2,98,50,70,74 2,50,75,94,11

[k- i) ew rZ vkfLr;ks a }kjk iz frHkw r (cgh ½.k ds fo:¼ vfxz e lfgr)

B. Secured by tangible assets 2,23,49,60,73 1,92,56,50,90(includes advances against Book Debts)

ii) cSad@ljdkjh izR;kHkwfr;ksa }kjk lajf{kr Covered by Bank/Government Guarantees 15,37,93,04 14,67,20,44

iii) viz frHkwr Unsecured 59,63,16,97 43,52,22,77

tks M+ / TOTAL : 2,98,50,70,74 2,50,75,94,11

x- I Hkkjr es a vfxz e C. Advances in India

i) iz kFkfedrk iz kIr {ks =k Priority Sector 1,15,82,40,38 1,02,79,32,37

ii) lkoZ tfud {ks =k Public Sector 36,89,97,25 22,93,18,51

iii) cS ad Banks 31,93 7,55

iv) vU; Others 1,45,78,01,18 1,25,03,35,68

tks M+ / TOTAL : 2,98,50,70,74 2,50,75,94,11

II. Hkkjr ds ckgj vfxz e Advances outside India

i) cS a dks a ls iz kI; Due from Banks — —

ii) vU; ls iz kI; Due from others

d- Ø; fd, x, vkS j ferhdkVs ij Hkq xrku fd, x, fofue; i=k a) Bills purchased and discounted — —

[k- vfHk"kn m/kj b) Syndicated loans — —

x- vU; c) Others — —

tks M + / TOTAL : — —

tks M+ % (x-I ,oa x-II) / TOTAL : (C.I & C.II) 2,98,50,70,74 2,50,75,94,11



vuq lw ph 10 fLFkj vkfLr;ka SCHEDULE 10 FIXED ASSETS


31-03-2009 dh 31-03-2008 dh


I. ifjlj #- Rs. #- Rs.

Premises

iw oZ orhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuq lkj ykxr ij At cost as on 31st March of the preceding year 60,40,66 60,35,11

o"kZ ds nkS jku ifjo/Z u Additions during the year 7,29 5,55


v|ru vo{k;.k / Depreciation to date 28,65,41 26,69,48

tks M + / TOTAL : 31,82,54 33,71,18II. vU; fLFkj vkfLr;ka

Other Fixed Assets

(iQuhZ pj vkS j fiQDlpj lfgr)(including furniture and fixtures)

iw oZ orhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuq lkj ykxr ij At cost as on 31st March of the preceding year 4,55,82,95 3,80,43,44

o"kZ ds nkS jku ifjo/Z u Additions during the year 49,34,07 80,01,16

o"kZ ds nkS jku dVkS fr;ka Deductions during the year 20,15,31 4,61,65

v|ru vo{k;.k / Depreciation to date 3,54,64,12 3,28,89,17

(#- 1325-26 yk[k ds foØ; @viys [ku ds dkj.k lek;ks tu ds i'pkr~ 'kq¼_ xr o"kZ #- 327-35 yk[k)(Net of adjustments on account of sale/write-off

Rs.1325.26 lacs; Previous year Rs.327.35 lacs)

tks M+ / TOTAL : 1,30,37,59 1,26,93,78

III. * iV~ VkÑr vkfLr;ka *Leased Assets

iw oZ orhZ o"kZ dh 31 ekpZ dh fLFkfr ds vuq lkj ykxr ij At cost as on 31st March of the preceding year 45,20,02 45,20,02

o"kZ ds nkS jku ifjo/Z u Additions during the year — —


v|ru vo{k;.k / Depreciation to date 40,49,57 40,49,57

iV~ Vk lek;ks tu / Lease Adjustment (-)4,70,45 (-)4,70,45

*(iw .kZ ifj'kksè; vkfLr;ka ] ftudk leLr iV~ Vk çfriQy iz kIr gks x;k gS)*(Represents fully amortised assets where entire lease

consideration has been received)

tks M+ / TOTAL : — —

IV. iw ¡ thxr dk;Z iz xfr ij Capital Work in Progress 9,22,74 11,89

tks M+ % (I, II, III ,oa IV ) / TOTAL : (I, II, III & IV) 1,71,42,87 1,60,76,85



vuq lw ph 11 vU; vkfLr;kaSCHEDULE 11 OTHER ASSETS


31-03-2009 dh 31-03-2008 dh


I. va rj&dk;kZ y; lek;kstu (fuoy) #- Rs. #- Rs.

Inter-office adjustments (net) 1,30,65,15 1,58,93,21

II. çks n~ Hkw r C;kt Interest accrued 4,46,96,79 3,97,39,56

III. vfxz e :i ls la nÙk@lz ks r ij dkVk x;k dj (çko/kuks a ds i'pkr~ fuoy)Tax paid in advance/Tax deducted at source 38,97,81 97,86,24(Net of provisions)

IV. vkLFkfxr dj vkfLr (fuoy)Deferred Tax Assets (Net) 42,56,25 28,04,77

V. ys [ku&lkexzh vkS j LVkEi Stationery and Stamps 5,47,69 5,72,31

VI. nkoksa dh la rq f"V es a iz kIr dh x;h xS j cS a ddkjh vkfLr;ka Non-banking assets acquired 4,50 4,50in satisfaction of claims

VII. vU; Others 3,65,73,61 2,12,19,00

tks M+/ TOTAL : 10,30,41,80 9,00,19,59



vuq lw ph 12 lekfJr nkf;Ro SCHEDULE 12 CONTINGENT LIABILITIES


31-03-2009 dh 31-03-2008 dh


I. cS a d ds fo:¼ nkos ftUgs a ½.k ds :i es a Lohdkj ugha fd;k x;k gS #- Rs. #- Rs.

Claims against the bank not acknowledged as debts 36,68,46 27,60,44

II. va 'kr% la nÙk fofu/kuks a ds fy, nkf;Ro Liability for partly paid investments — —

III. fo|eku ok;nk fofue; lafonkvksa ds ckcr nkf;Ro Liability on account of outstanding 81,13,11,55 1,32,24,63,36

forward exchange contracts

IV. la ?kVdks a dh vks j ls nh xbZ iz R;kHkwfr;ka @

Guarantees given on behalf of constituents @

d) Hkkjr es a / In India 14,72,05,02 12,66,27,53

[k) Hkkjr ds ckgj / Outside India — —

V. izfrxzg.k] i "Bka du vkS j vU; ckè;rk,¡ # Acceptances, endorsements and other obligations # 12,76,00,87 12,81,03,70

VI. vU; ens a ftuds fy, cS a d lekfJr :i ls mÙkjnk;h gSOther items for which the bank is contingently liable 1,54,46,71 2,79,44,25

tks M+ / TOTAL : 1,10,52,32,61 1,60,78,99,28

@ #i;s 332-69 djks M+ ls udnh ekftZ u ?kVkdj fuoy (xr o"kZ #i;s 285-34 djks M+)

Net after deducting cash margin of Rs.332.69 crores. (Previous year Rs.285.34 crores)

# #i;s 121-84 djks M+ ls udnh ekftZ u ?kVkdj fuoy (xr o"kZ #i;s 120-43 djks M+)Net after deducting cash margin of Rs.121.84 crores. (Previous year Rs.120.43 crores)

vuq lw h 13 vftZ r C;ktSCHEDULE 13 INTEREST EARNED


31-03-2009 dks 31-03-2008 dks lekIr o"kZ lekIr o"kZ


31.03.2009 31.03.2008

I. vfxz eks a@ fofue; i=kks a ij C;kt @ fefrdkVk #- Rs. #- Rs.

Interest/discount on advances/bills 29,89,42,95 23,11,19,82

II. fofu/kuks a ij vk; / Income on investments 7,83,96,49 7,06,34,83

III. Hkkjrh; fjt+ oZ cS a d ds vfr'ks "kks a vkS j vU; va rj&cSad fuf/;ksa ij C;kt Interest on balances with Reserve Bank of India and 15,87,00 18,34,22

other inter-bank funds

IV. vU; / Others 21,01,56 16,13,50

tks M+ / TOTAL : 38,10,28,00 30,52,02,37



vuq lw ph 14 vU; vk;SCHEDULE 14 OTHER INCOME




31.03.2009 31.03.2008

I. deh'ku] fofue; vkS j nykyh #- Rs. #- Rs.

Commission, exchange and brokerage 4,02,98,99 3,53,91,73

II. fofu/kuks a ds foØ; ij ykHk (fuoy)Profit on sale of investments (net) 76,02,90 68,99,17

III. fofu/kuks a ds iq uew Z Y;ka du ij ykHk Profit on revaluation of investments — —

IV. Hkw fe] Hkouks a vkS j vU; vkfLr;ks a ds foØ;@viys[ku ij ykHk@?kkVk

Profit/Loss on sale/write off of land,building and other assets — —V. fofue; laO;ogkjksa ij ykHk (fuoy)

Profit on exchange transactions (net) 69,74,45 23,56,91

VI. fons 'k @ Hkkjr es a LFkkfir leuq "ka xh @ dEifu;ks a vkS j @ ;k lg m|eks a ls ykHkka 'kks a vkfn ds :i es a vftZ r vk; Income earned by way of dividends etc. from subsidiaries/ — —

companies and/or joint ventures abroad/in India

VII. iV~Vk fdjk;k Lease Rental — —

iV~ Vk lekuhdj.k Lease Equalisation — —

VIII. izdh.kZ vk; Miscellaneous Income 28,28,85 25,18,10

tks M+ / TOTAL : 5,77,05,19 4,71,65,91

vuq lw ph 15 O;; fd;k x;k C;kt SCHEDULE 15 INTEREST EXPENDED



Year ended Year ended31.03.2009 31.03.2008

I. fu{ks iks a ij C;kt #- Rs. #- Rs.

Interest on Deposits 24,64,48,46 19,50,45,40

II. Hkkjrh; fjt+ oZ cS a d @ va rj&cS a d m/kjks a ij C;kt Interest on Reserve Bank of India/Inter-bank borrowings 94,97,56 50,35,55

III. vU; Others 1,47,59,75 1,12,17,38

tks M+ / TOTAL : 27,07,05,77 21,12,98,33



vuq lw ph 16 ifjpkyu O;;SCHEDULE 16 OPERATING EXPENSES




31.03.2009 31.03.2008

I. deZ pkfj;ks a dks Hkqxrku vkS j muds fy, iz ko/ku #- Rs. #- Rs.

Payments to and provisions for employees 4,60,77,57 4,46,94,69

II. HkkVd] dj vkSj jks 'kuh Rent, taxes and lighting 68,69,49 62,32,99

III. eq nz .k vkS j ys [ku&lkexz h Printing and stationery 12,60,26 11,56,38

IV. foKkiu vkS j iz pkj Advertisement and publicity 4,94,32 5,10,69

V. cS a d dh lEifÙk ij vo{k;.k Depreciation on Bank’s property 40,96,14 59,79,06

VI. iV~ VkÑr vkfLr;ks a ij vo{k;.k Depreciation on Leased Assets — —

VII. funs'kdksa dh iQhl] HkÙks vkSj O;; Directors’ fee, allowances and expenses 26,12 25,69

VIII. ys [kk&ijh{kdks a dh iQhl vkS j O;; ('kk[kk ys [kk&ijh{kdks a lfgr) Auditors’ fee and expenses (including branch auditors) 8,99,72 9,36,87

IX. fof/ izHkkj Law charges 2,22,02 2,44,07

X. Mkd] rkj] Vs yhiQks u Postage, Telegrams, Telephones 14,12,83 13,24,57

XI. ejEer vkS j vuqj{k.k Repairs and maintenance 13,88,24 11,42,53

XII. chek Insurance 33,12,57 27,31,97

XIII. vU; O;; Other expenditure 1,26,84,43 99,71,93

tks M+ / TOTAL : 7,87,43,71 7,49,51,44



vuq lw ph 17

izeq [k ys [kk uhfr;k¡ 1- lkekU;

foÙkh; foojf.k;k¡ ] vof/xr ykxr vk/kj ij rS ;kj dh tkrh gSA os Hkkjr es a lkekU;r% Lohd` r ys [kk fl¼kUrks a ds vuq :i gS a ] ftues a lka fof/d iz koèkku] fu;ked@Hkkjrh; fj”koZ cS a d (vkjchvkbZ ) ds fn'kk funs Z 'k] Hkkjrh; lunh ys [kkdkj la LFkku (vkbZ lh,vkbZ ) }kjk tkjh ys [kk&ekud@ekxZ n'khZ fVIif.k;k¡ vkS j Hkkjr es a cS a ¯dx m|ks x es a iz pfyr izFkk,¡ 'kkfey gks rh gS a A

2- fons 'kh fofue; ds vUrxZ r la O;ogkj

Hkkjrh; lunh ys [kkdkj la LFkku ds fons 'kh fofue; O;ogkjks a ds :ikUrj.k ls lEcfU/r ys [kk ekud la [;k&11 (la 'kks f/r 2003) dk cS a d }kjk vuq lj.k fd;k x;k gS ,oa rnuq lkj%&

(d) fons 'kh eq nz k ls la O;ogkjks a dks ys u&nsu dh frfFk ij fons 'kh eq nz k jkf'k dks iz fros fnr eq nz k ,oa fons 'kh eq nz k ds chp fofue; nj ds iz ;ks x }kjk iQfyr iz fros fnr eq nz k es a iz kjafHkd fu/kZ j.k ij ntZ fd;k tkrk gSA

([k) fons'kh eqnz k ekS fnz d enks a dks iQs MbZ dh va fre rRdky nj dk iz ;ks x dj iz fros fnr fd;k tkrk gS rFkk blls ifj.kkfer ykHk@gkfu dks ykHk&gkfu [kkrs es a ys tk;k tkrk gSA

(x) ekS fnz d enks a dks ftl nj ij os ntZ fd, x, Fks] ls fHkÂ njks a ij fuiVku ls mRiÂ fofue; vUrjks a dks ftl vof/ es a os mRiÂ gq , gS a ] ml vof/ esa vk; vFkok O;; ds :i es a 'kkfey fd;k tkrk gSA

3- fofu/ku

(v) Hkkjrh; fj”koZ cS a d ds fn'kk&funsZ 'kkuq lkj fofu/ku lafoHkkx dks rhu Js f.k;ks a es a s oxhZ d` r fd;k tkrk gS] ;Fkk (i) ifjiDork rd j[kus ds fy,] (ii) foØ; ds fy, miyC/] (iii) O;olk; ds fy, j[kh xbZ A

rFkkfi] rq yu&i=k es a n'kkZ us gs rq bUgs a N% lew gks a es a oxhZ Ñr fd;k x;k gS%(i) ljdkjh iz frHkw fr;k¡ ]

(ii) vU; vuqeksfnr izfrHkwfr;k¡] (iii) va'k&i=k] (iv) ½.k&i=k ,oa cU/&i=k] (v) leuq "ka xh@la ;q Dr m|e] (vi) vU;A

(c) Hkkjrh; fj”koZ cS a d ds fn'kk&funs Z 'kkuq lkj ew Y;kadu ds mís '; ls fuEufyf[kr fl¼kUr viuk;s x;s gS %

i. ^îfjiDork rd j[kus ds fy,** Js .kh es a j[kh xbZ iz frHkw fr;k¡ iq Lrd ew Y; ij ew Y;ka fdr gS] ys fdu LFkk;h deh gks us ij bldks ml deh ds fuoy n'kk;kZ tkrk gSA va fdr ew Y; ls iq Lrd ew Y; ds vkf/D; dks ifjiDork es a 'ks "k jgh vof/ es a fLFkj iz friQy i¼fr iz ;q Dr dj ifj'kks f/r fd;k tkrk gSA

ii. ^^foØ; ds fy, miyC/** Js .kh ds vUrxZ r oxhZ Ñr iz frHkw fr;ks a dks iz R;sd frekgh ds vUr es a cktkj ew Y; ij vafdr fd;k

tkrk gS] ftUgsa i.kZ d&vuq lkj ew Y;kafdr fd;k tkrk gS ,oa rq yu&i=k es a n'kkZ ;h xbZ iz R;s d Js .kh ds fy, âkl@o f¼ dks les fdr fd;k tkrk gSA 'kq ¼ âkl] ;fn dks bZ gks] dk iz ko/ku fd;k tkrk gS ,oa 'kq ¼ vkf/D; dks Nks M+ fn;k tkrk gSA

iii. ^Ô;olk; ds fy, j[kh xbZ ** Js .kh dh iz frHkwfr;ks a dks ekfld vUrjky ij iq uew Z Y;kafdr fd;k tkrk gS ,oa 'kq ¼ âkl dh igpku dh tkrh gS ,oa 'kq ¼ o f¼ dks Nks M+ fn;k tkrk gSA

(l) ^^foØ; ds fy, miyC/** rFkk ^Ô;olk; ds fy, j[kh xbZ ** Js .kh es a oxhZ d` r dh xbZ iz frHkw fr;ks a dk ew Y;ka du fuEukuq lkj fd;k tkrk gS%

1- Hkkjr ljdkj dh iz frHkw fr;k¡ fiQeMk }kjk m¼fjr cktkj ew Y; nj ij 2- jkT; fodkl ½.k] jkT;@ds Unz iz R;kHkw r fiQeMk }kjk nh xbZ ifjiDork iz friQy nj ij

iz frHkw fr;k¡ ] lkoZ tfud {ks =k miØe cU/&i=k



SCHEDULE 17

PRINCIPAL ACCOUNTING POLICIES

1. GENERAL

The accompanying financial statements are prepared under the historical cost convention. They conform to

Generally Accepted Accounting Principles in India, which comprises the statutory provisions, regulatory / ReserveBank of India (RBI) Guidelines, Accounting Standards/guidance notes issued by the Institute of Chartered Accountants of India (ICAI) and the practices prevalent in the Banking Industry in India.

2. TRANSACTIONS INVOLVING FOREIGN EXCHANGE

The Bank has followed the Accounting Standard – 11 (Revised 2003) issued by the Institute of Chartered

Accountants of India regarding foreign exchange translations and accordingly:-

a) Foreign Currency transactions are recorded on initial recognition in the reporting currency by applying to theforeign currency amount, the exchange rate between the reporting currency and the foreign currency on thedate of transaction.

b) Foreign currency monetary items are reported using the FEDAI closing spot rate and resultant gain / loss iscarried to Profit and Loss Account.

c) Exchange differences arising on the settlement of monetary items at the rates different from those at whichthey were recorded, are recognized as income or as expense in the period in which they arise.

d) Guarantees, Letters of Credit, Forward Exchange Contracts issued in foreign currencies are translated atFEDAI rates on the Balance Sheet date.

3. INVESTMENTSa) The investment portfolio of the Bank is classified in accordance with the Reserve Bank of India guidelines into

three categories viz.

i. Held to Maturity,ii. Available for Sale,iii. Held for Trading.

However, for disclosure in the Balance Sheet, these are classified under six groups:i. Govt. Securities,ii. Other Approved securities,iii. Sharesiv. Debentures & Bonds,v. Subsidiaries/Joint Venturesvi. Others.

b) For the purpose of valuation, in terms of RBI guidelines, the following principles have been adopted :-

i. Securities held in ‘Held To Maturity’ category are valued at book value. However, in case of permanentdiminution, the same is stated at net of such diminution. The excess of book value over the face valueis amortised over the remaining period of maturity using constant yield method.

ii. Securities classified as “Available For Sale” are marked to market at the end of each quarter, which arevalued scrip-wise and depreciation/appreciation for each category as disclosed in the Balance Sheetis aggregated. Net depreciation, if any, is provided for, while net appreciation is ignored.

iii. Securities in “Held For Trading” category are revalued at monthly intervals and the net depreciation isrecognised and net appreciation is ignored.

c) The securities classified, as “Available For Sale” and “Held For Trading” are valued as follows:

1. Govt. of India Securities At market price as per quotation put out by FIMMDA.2. State Development Loans, As per YTM put out by FIMMDA.

Securities guaranteed byCentral/State Govt., PSU Bonds



3- dks "kkxkj [email protected];d iz i=k@{ks =kh; ogu ew Y; ij xzkeh.k cS ad es a fuos'k

4- lerk va 'k cktkj ewY; ij] ;fn m¼fjr gks ] vU;Fkk iq Lrd ew Y; ij ;fn uohure rq yu&i=k (,d o"kZ ls vf/d iq jkuk ugha ) miyC/ gks ;k #i;k 1@& iz fr dEiuh

5- vf/eku va 'k] ½.k i=k cktkj ewY; ij] ;fn m¼fjr gks ] vFkok ifjiDork ij mfpr iz frykHk vkèkkj ij tks 'kks/u ew Y; ls vf/d ugha gks uk pkfg,A

6- E;q P;q vy iQ.M ;w fuV cktkj ewY; ij] ;fn m¼fjr gks ] vU;Fkk iq u[kZ jhn ew Y;@'kq ¼ vkfLr ew Y; ij

(n) Hkkjrh; fj”koZ cS a d ds fn'kk&funs Z 'kkuq lkj xS j&fu"ikfnr fofu/kuks a dh igpku dh tkrh gS vkS j âkl@iz ko/ku fd;k tkrk gSA

(;) fofu/ku dh ykxr iz kIr vxz ka 'k iz ks Rlkgu] nykyh ,oa deh'ku ls fuoy 'ks "k gSA

(j) fofu/kuks a ds foØ; ij ykHk ;k gkfu dk vfHkKku Hkkfjr vkS lr ykxr ij fd;k tkrk gSA

(y) {ks =kh; xz keh.k cS a d esa fuos 'k dks ifjiDork rd j[kus ds fy, Js .kh es a oxhZ Ñr fd;k tkrk gSA

4- vfxze

v- xS j fu"ikfnr vfxz eks a ds lEcU/ es a vkfLr oxhZ dj.k ,oa iz ko/ku Hkkjrh; fj”koZ cS a d }kjk fu/kZ fjr vk; vfHkKku ,oa vkfLr oxhZ dj.k (vkbZ vkj,lh) ds ekun.Mks a ds vuq lkj fd;k tkrk gSA

c- vfxz eks a dks fuEu ds fuoy :i es a of.kZr fd;k tkrk gS %

vLFkk;h iz ko/ku lfgr iz ko/ku

xS j&fu"ikfnr vkfLr;ks a ls lEc¼ vla xz fgr C;kt ,oa xr o"kks Z dk viz kI; C;kt

vkbZ MhchvkbZ @flMch ds iq ucZ V~ VkÑr fcy

l- lhMhvkj vuq eks fnr iq u% la jfpr ,deq 'r dk;Z Øe dks lhMhvkj vf/Ñr lew g ds vuq eks nu gks us ls ykxw ekuk x;k gSA

n- okn nk;j gks pq ds [kkrks a es a fof/d O;; dks jktLo O;; ekuk tkrk gS rFkk bues a gq bZ olw yh dks jktLo O;; es a tek fd;k tkrk gSA

;- vkfLr iq uZ fuekZ .k da iuh (ba fM;k) fyfeVs M (,vkjlhvkbZ ,y)] cS adks a ] foÙkh; la LFkkvks a ,oa xS j cS a fdx foÙkh; dEifu;ks a dks cs ph x;h

^^foÙkh; vkfLr;ka **%(i) ;fn foØ; ew Y; fuoy cgh ew Y; (,uchoh) ls de gS rks bl va rj jkf'k dks ykHk ,oa gkfu [kkrs es a izHkkfjr fd;k

tkrk gSA

(ii) ;fn foØ; ew Y; fuoy cgh ew Y; (,uchoh) ls vf/d gS rks vkf/D; dh jkkf'k dks Hkfo"; es a foØ; dh tkus okyh xS j fu"ikfnr vkfLr;ks a ij deh ;k gkfu dh iw frZ ds fy, iFkd ls j[kk tkrk gSA

(iii) vifyf[kr [kkrks a dh fcØh ds ekeys es a olw y dh xbZ jkf'k dks ykHk ,oa gkfu [kkrs es a tek fd;k tkrk gSA

j- vfxz eks a dh iq ujZ puk@pqdkS rh&dk;Z Øe ds iq ufuZ /kZ j.k ds ekeys esa ] ewy djkj ds vuq lkj Hkkoh C;kt ds orZ eku ewY; vkS j la 'kks f/r djkj ds vuq lkj Hkkoh C;kt ds orZ eku ew Y; ds chp ds va rj ds fy, iq ujZ puk@iq ufuZ /kZ j.k ds le; iz ko/ku fd;k x;k gSA

5- fLFkj vkfLr;k¡

v- fLFkj vkfLr;ks a dk o.kZ u vof/xr ykxr ij fd;k tkrk gSA

c- fLFkj vkfLr;ks a ij ew Y;gz kl dk iz ko/ku fuEu izdkj ls fd;k tkrk gS%&

(i) dEI;w Vj ij leku nj fof/ ds vuq lkj 33-33% dh nj ls

(ii) dEI;w Vj lkW ÝVos ;j tks gkMZ os ;j 100% dh nj ls dk vfoHkkT; Hkkx ugha gS

(iii) lkW ÝVos ;j tks gkMZ os;j dk vfoHkkT; vk;dj fu;e] 1962 es a fu/kZ fjr njks a Hkkx gS] les r 'ks "k vkfLr;ks a ij ij gz kleku rq yu fof/ ls

l- tgk¡ dgh Hkw fe ,oa Hkou dk ew Y; vyx&vyx igpku ;ks X; ugha gS] ogk¡ ifjlj ij ew Y;ßkl dk iz ko/ku la feJ ykxr ij fd;k tkrk gSA



3. Treasury Bills/Commercial At Carrying Cost.Papers/Investment inRegional Rural Banks

4. Equity Shares At market price, if quoted, otherwise at Book value iflatest Balance Sheet is available (not more than 1 yearold) or Re. 1/- per company.

5. Preference Shares, Debentures At market price, if quoted or at appropriate yield tomaturity basis not exceeding redemption value.

6. Mutual Fund Units At market price, if quoted otherwise at repurchaseprice/Net Asset Value.

d) The non-performing investments are identified and depreciation/provision is made as per RBI guidelines.

e) The cost of investment is net of upfront incentives, brokerage and commission received.

f) Profit or Loss on sale of Investments is recognised on the basis of weighted average cost

g) Investments in Regional Rural Banks are classified under Held To Maturity (HTM) Category.

4. ADVANCES

a) Assets Classification and provisioning in respect of Non-Performing Advances is made as per IncomeRecognition, Asset Classification & Provisioning (IRAC) norms issued by the Reserve Bank of India.

b) Advances are stated net of:

Provisions including floating provisions

Interest not collected and unrealised interest of previous years in respect of NPAs

Bills rediscounted with IDBI/SIDBI

Claims received

c) Implementation of the CDR approved restructuring package has been considered to have taken effect uponits approval by the CDR empowered group.

d) Legal expenses incurred in respect of suit filed accounts are treated as revenue expenditure and on recoverythe same are credited to revenue expenditure.

e) ‘Financial Assets’ sold to Assets Reconstruction company (India) Limited (ARCIL), Banks, FIs and to NBFCs :-

i) In case the sale is at a price lower than the Net Book value (NBV), the deficit is charged to Profit & Loss Account.

ii) In case the sale is at price higher than the NBV, the surplus is kept separately for meeting theshortfall/losses, if any, on future sale of other NPAs.

iii) In case of sale of written off accounts, the amount realized is credited to Profit & Loss account.

f) In case of restructuring / rescheduling of advances, erosion in the fair value of advances is provided on thebasis of Present values computed in the manner prescribed by the RBI.

5. FIXED ASSETS

a) Fixed assets are stated at historical cost.

b) Depreciation on Fixed Assets is provided as under :-

i) On Computers Straight Line Method @ 33.33%.ii) On Computer Software not forming @ 100%

integral part of hardwareiii) On rest of the assets including On diminishing balance method at the rates

Software forming integral part prescribed under Income Tax Rules 1962of hardware

c) Depreciation on premises is provided on composite cost, wherever the value of land and building is notseparately identifiable.



n- o"kZ ds nkS jku fcØh@fuLrkfjr dh xbZ vkfLr;ks a ij ew Y;ßkl dk iz ko/ku ugha fd;k tkrk gSA ;- iw ¡ thxr dk;Z iz xfr ij] es a vkfLr Ø; ds fy, fd;k x;k vfxz e Hkq xrku lfEefyr gSA j- iV~ VkÑr ifjljksa ds lEcU/ es a ] iV~ Vk jkf'k dk iV~Vs dh vof/ es a ifj'kks/u fd;k tkrk gSA

6- iV~ VkÑr vkfLr;k¡ (i) iV~Vk vk; Hkkjrh; lunh ys [kkdkj la LFkku ds fn'kk&funs Z 'kks a ds ys[kk ekud ds vuq :i iV~ Vs dh iz kFkfed vof/ es a vkUrfjd

iz friQy nj ls vfHkKkfur dj ys f[kr dh tkrh gSA(ii) ßkl dk iz ko/ku dEiuh vf/fu;e] 1956 dh vuq lw ph&14 ds va rxZ r fu/kZ fjr njks a ij leku nj fof/ ls fd;k tkrk

gSA vfrfjDr iV~ Vk ew Y;ßkl dks ykxw fn'kk&funs Z 'kkuq lkj iV~ Vk lek;ks tu [kkrs ds }kjk iV~ VkÑr vkfLr;ks a dh ykxr ds fo#¼ lek;ks ftr fd;k tkrk gSA

(iii) xS j&fu"ikfnr iV~ VkÑr vkfLr;ks a ij iz ko/ku Hkkjrh; fj”koZ cS a d ds fn'kk&funs Z 'kkuq lkj vfxz eks a ij ykxw vkbZ vkj,lh ds ekun.Mks a dsvuq lkj fd;k tkrk gSA

7- deZ pkjh ykHk lHkh deZ pkjh ykHkks a dks ys [kk ekud & 15 (la'kks f/r 2005) ds vuq:i vfHkKkfur fd;k x;k gSA(i) fu;ks tuks Ùkj ykHk ;ks tuk;s a

(v ) fu/kZfjr lsokfuo`fÙk va'knku ykHk ;ks tukvksa es ns; va'knku dks] deZ pkfj;ksa }kjk va'knku dh ik=krk izkIr djus

;ks X; ls ok ns us ds le; O;; ds :i es a vfHkKkfur fd;k tkrk gSA(c) fu/kZfjr ykHk ;kstukvksa] ;Fkk&xzsP;qVh] isa'ku ,oa iqu% laLFkkiu O;;ksa ds nkf;Ro dks ys[kk&ekud&15 (la'kksf/r 2005)

ds vuq :i fu/kZ fjr fd;k tkrk gSA pkyw o"kZ ds nkf;Ro dk iz ko/ku ykHk ,oa gkfu [kkrs dks izHkkfjr dj fd;k tkrk gSA(ii) vYidkfyd deZ pkjh ykHk

deZpkfj;ks a }kjk nh xbZ ls ok ds cnys es ns ; vYidkfyd deZpkjh ykHk dh fcuk cV~ Vk i'p jkf'k dks deZ pkjh }kjk nh xbZ lsok dh vof/ ds nkS jku vfHkKkfur fd;k tkrk gSA bu ykHkksa esa vkdfLed vodk'k] fpfdRlk ykHk tSlh {kfriwfjr vuqifLFkfr lfEefyr gSA

(iii) nh?kZ dkfyd deZ pkjh ykHk {kfriw fjr vuq ifLFkr] ftudh deZ pkjh }kjk nh xbZ ls ok ds i'pkr~ ckjg ekg dh vof/ es a gks us dh la Hkkouk ugha gS] dks

fu/kZ fjr ykHk nkf;Ro ds :i es a ] rqyu&i=k fnuka d ij] thouka fdd ew Y;ka du ds vk/kj ij vfHkKkfur fd;k tkrk gSA8- djk/ku gs rq iz ko/ku

(i) vk;dj ,oa fiz a Qt cs fufiQV VS Dl dk iz ko/ku vk;dj vf/fu;e] 1961 ds iz ko/kuks a ds vuq lkj fd;k tkrk gSA fooknkxz Lr dj] ftldk iz ko/ku ugha fd;k x;k gS] ^^vkdfLed ns ;rkvks a** es a 'kkfey gSA

(ii) vkLFkfxr dj nkf;Ro@vkfLr dk [email protected] Hkkjrh; lunh ys [kkdkj la LFkku }kjk tkjh ys [kk ekud 22 ds vk/kj ij dh tkrh gSA9- vk; ,oa O;; vfHkKku

v- vk; C;kt ,oa vU; vk; dh x.kuk mikftZ r vk/kj ij dh tkrh gS] flok; fuEukafdr ds] ftudh x.kuk udn vk/kj ij dh tkrh gS %(i) Hkkjrh; fj”koZ cS a d }kjk fu/kZ fjr vkbZ vkj,lh iz frekuksa ds vuq lkj xS j&fu"ikfnr vkfLr;ks a ij C;kt ,oa vU; vk;A(ii) lh-Mh-vkj- vuqeks fnr iq u% la jf{kr ^^ekud** Í.kksa ij dksf"kr C;kt dh lhek rdA

(iii) xSj&fu"ikfnr fuos'kksa ij C;ktA(iv) lk[k&i=kksa ,oa iz R;kHkwfr;ks a ij deh'ku (vkLFkfxr Hkqxrku iz R;kHkw fr;ks a ds vfrfjDr)A(v) chek nkosA(vi) va'k ,oa E;qP;q vy iQ.M ;w fuV ij ykHkka 'kA(vii) Øf;r vfrns; ek¡x fcyks a ij C;ktA(viii) ykWdj fdjk;kA(ix) vk;dj okilh vkns'k ij C;ktA(x) ijLij foØ; dk;Z ls deh'kuA

c- O;; jktLo O;; mikftZ r vk/kj ij la xf.kr gSA



d) No depreciation is provided on assets sold/disposed off during the year.e) Capital Work in Progress also includes advance payment for purchase of assets.f) In respect of leasehold premises, the lease amount is amortised over the period of lease.

6. LEASED ASSETSi) Lease income is recognised based on the internal rate of return method over the primary period of the leased

assets and accounted for in accordance with guideline/Accounting Standard issued by the Institute ofChartered Accountants of India (ICAI).

ii) Depreciation is provided on Straight Line Method at rates prescribed under Schedule-XIV of the Companies Act 1956. Extra lease depreciation, in accordance with the applicable guidelines, is adjusted against the costof Lease assets through lease equalization account.

iii) Provision for Non-Performing leased assets is made on the basis of IRAC norms applicable to advances, asper RBI guidelines.

7. EMPLOYEES BENEFITS All the employee benefits have been recognised in conformity with AS 15 (Revised 2005).

i) Post Employment Benefit Plans

a) Contribution payable to defined contribution retirement benefit schemes are recognised as an

expense when employees have rendered service entitling them to contributions.b) Liability for defined benefit schemes viz. gratuity, pension and resettlement expenses is determined inconformity with AS 15 (Revised 2005). The liability for the current year is provided by charging to theProfit & Loss A/c.

ii) Short term employee benefits

The undiscounted amount of short-term employee benefits expected to be paid in exchange for the servicesrendered by employees is recognised during the period when the employee renders the service. Thesebenefits include compensated absence such as casual leave, medical benefits.

iii) Long Term Employee Benefits

Compensated absence which are not expected to occur within twelve months after the end of the period inwhich the employee renders the related services are recognised as a liability of the defined benefit obligationon the basis of actuarial valuation at the balance sheet date.

8. PROVISION FOR TAXATIONi) Provision for Income Tax and Fringe benefit tax is made in accordance with the provisions of Income Tax Act

1961. Disputed tax liabilities not provided for are included under “Contingent liabilities”.ii) Deferred tax liabilities/Assets are recognized/accounted for in terms of Accounting Standard 22 issued by

ICAI.

9. INCOME AND EXPENDITURE RECOGNITION

(a) INCOME

Interest and other income are recognised on accrual basis except the following, which are recognised oncash basis:

(i) Interest and other income on Non Performing Assets as per IRAC norms prescribed by RBI .

(ii) Interest on restructured “ Standard “ CDR approved Advances , to the extent of funded Interest.(iii) Interest on Non-performing Investments(iv) Commission on L.Cs. and Guarantees (excluding Deferred Payment Guarantees)(v) Insurance claims.(vi) Dividend on shares and units of Mutual Funds.(vii) Interest on overdue demand bills purchased.(viii) Locker Rent.(ix) Interest on Income Tax refund(x) Commission from Cross Selling Activities

(b) EXPENDITURE

Revenue expenditures are accounted for on accrual basis.



vuq lw ph 18

fVIif.k;k¡ ] tks fd rq yu&i=k ,oa ykHk&gkfu [kkrs dk la :fir Hkkx gS%

1- rRdky ldy fuiVku (vkj-Vh-th-,l)@js iks@lh-ch-,y-vks- ysus ns u ds fy, :i;s 1495-00 djks M+ (fiNys o"kZ :i;s 1295-00 djks M+) ds fofu/ku Hkkjrh; fjt+ oZ cS a d@Dyh;fja x dkW jiksjs 'ku vkW iQ bfMa ;k ds ikl ekftZ u ds :i es a j[ks x;s gS a A

2- ifjljks a ds lEcU/ es a ] ftudk ldy ew Y; :i;s 9-48 djks M+ (xr o"kZ :i;s 0-48 djks M+) gS] ds ekeys es a fu;r dkuw uh vkS ipkjdrkvks a ds iw jk u gks us ds dkj.k] LoRokf/dkj foys [kks a dk cS a d ds i{k es a fu"iknu@ia th;u gks uk vc rd 'ks "k gSA

3- o"kZ ds nkS jku Hkkjrh; fjt+ oZ cS a d us iq ula pfjr@iq u%fu/kZ fjr vfxz eksa ij R;kx dh jkf'k dh O;oLFkk gs rq fn'kk funs Z 'kksa es a la 'kksèku fd;k gSA rn~ uq lkj vfxz eks a ds mfpr ew Y; es a deh dh O;oLFkk dh x;h gSA ;fn foxr o"kks Z a es a ykxw i¼fr dk vuq lj.k fd;k x;k gks rk rks iq u%la pfjr vfxz eks a ds iz ko/ku es a :i;s 6-02 djks M+ dh deh gks rh rFkk ml lhek rd ykHk vf/d gks rkA

4- funs 'kd e.My us fnuka d 22-05-2008 dks vk;ks ftr cS Bd es a cS a d ds va 'kks a ds va fdr ew Y; dks #i;s 100@& iz fr va 'k ls :i;s 10@& iz fr va 'k es a foHkkftr djus dk vuq eks nu fd;k rFkk cS a d ds va 'k fnuka d 20-10-2008 (fjdkW MZ frfFk) dks #i;s 10@& iz fr va 'k es a foHkkftr

fd;s x;s iz fr va 'k vtZ u (bZ ih,l) ,oa lkoZ tfud va 'k/kfjrk (va 'kks a dh la [;k) dks rn~ uq lkj n'kkZ ;k x;k gSA blds vfrfjDr iw oZ o"kZ @vof/ dh iz fr va 'k vtZ u ,oa va 'kks a dh la [;k dks Hkh mDr foHkktu dks è;ku es a j[krs gq , iq u% n'kkZ ;k x;k gSA

5- Ñf"k ½.k ekiQh ,oa ½.k jkgr ;ks tuk 2008 ds la nHkZ es a Hkkjrh; fjt+ oZ cS a d ds fn'kkfuns Z 'kkuq lkj %&

(i) cS a d us ½.k ekiQh ds is Vs Hkkjr ljdkj ls #i;s 402-30 djks M+ dk nkok fd;k gSA bl nkos es a ls #i;s 164-94 djks M+ dh fnuka d 24-12-2008 dks izFke fd'r iz kIr gks x;h gSA vkxs] #i;s 277-02 djks M Hkkjr ljdkj ls iz kI; ;ks X; jkf'k fpfUgr dh x;h gS ftles a

½.k jkgr ;ks tuk ds vUrxZ r mDr ;ks tuk es a fdlkuks a dks 'kkfey fd;k x;k gS] ftlds fy, vHkh Hkkjr ljdkj dks nkok is 'k fd;k tkuk gSA

(ii) mDr ;ks tuk esa :i;s 15-16 djks M+ rd [kpZ s Z ] C;kt bR;kfn] ftudk lek;ks tu cS a d }kjk j[ks x;s py iz ko/ku ls fd;k x;k gS] dks foijhr fd;k x;k gSA

(iii) mDr ;ks tuk es a fdlkuks a ls izkI; jkf'k ij fuoy orZ eku ew Y; ij vk/kfjr gkfu gsrq cS ad us #i;s a 17-56 djks M+ dk lexz çko/ku fd;k gSA

(iv) mDr ;ks tuk es a Hkkjr ljdkj ls iz kI; 'ks "k jkf'k dks rq yu i=k dh vuq lw ph&9 (vfxz eks a ) es a n'kkZ ;k x;k gSA

(v) ½.k ekiQh dh 'ks "k iz kI; nkok jkf'k ds lEcU/ es a Hkkjr ljdkj ls iz kI; C;kt dks izFke fd'r dh iz kfIr fnuka d ls ^^364 fnolh; jktdks "k fcyks a ij ifjiDork vk;** dks iz pfyr nj ls vfHkKkfir fd;k x;k gSA

o"kZ ds nkS jku ys [kk uhfr;ks a es a ifjorZ u

6- vc rd vfrns ; tekvks a ij C;kt dk lekos 'k udn vk/kj ij fd;k tkrk FkkA Hkkjrh; fjt+ oZ cS a d ds fn'kkfuns Z 'kkuq lkj o"kZ ds nkS jku cS a d us vfrns ; tekvks a ij bl o"kZ gs rq :i;s 10-42 djks M+ #i;s dk iz ko/ku fd;k gS] ftlds ifj.kkeLo:i bl o"kZ ykHk es a ml lhek rd

deh gq bZ gSA



SCHEDULE 18

NOTES FORMING PART OF THE BALANCE SHEET AND PROFIT AND LOSS ACCOUNT

1. Investments amounting to Rs.1495.00 crores (previous year Rs. 1295.00 crores) are kept as margin with the ReserveBank of India/Clearing Corporation of India Limited towards Real Time Gross Settlement (RTGS)/REPO/CBLO

transactions.

2. In respect of premises having gross value of Rs.9.48 crore (Previous year: Rs.0. 48 crore) pending completion ofcertain legal formalities/procedural actions, title deeds are yet to be executed/ registered in favour of the Bank.

3. During the year RBI has revised the guidelines for providing the sacrifice amount on restructured/rescheduled advances. Accordingly, erosion in fair value of advances has been provided. Had the method adopted in earlier years beenfollowed, the provision in restructured advances would have been lower by Rs.6.02 crores and the profit wouldhave been higher to that extent.

4. The Board of Directors at its meeting held on 22.05.2008 approved split/subdivision of the face value of equity sharesfrom Rs.100.00 each to Rs.10.00 each and the Bank’s share was split/subdivided on 20 th October 2008 (the RecordDate). Earnings per Share (EPS) and the public share holding (No of shares) have been stated accordingly. Further,previous year’s EPS and number of shares are also restated taking into account the aforesaid split/subdivision.

5. Pursuant to the guidelines of the RBI in respect of Agriculture Debt Waiver and Debt Relief Scheme 2008 :

(i) The Bank has made a claim from the Govt of India for Rs.402.30 crores towards waiver of debts. Out of suchclaim a sum of Rs.164.94 crores has been received on 24.12.2008 as first instalment. Further, a sum of Rs.277.02crores has been identified as amount receivable from Govt of India in respect of farmers covered under DebtRelief, under the aforesaid scheme, for which claim is yet to be lodged with the Govt of India.

(ii) The charges, interest, etc to the extent of Rs.15.16 crores reversed under the aforesaid scheme, have beenappropriated from the floating provision held by the Bank.

(iii) The Bank has made an aggregate provision of Rs.17.56 crores on account of loss based on Net Present Valuein respect of the amount receivable from the farmers under the aforesaid scheme.

(iv) Balance amount receivable from the Govt of India under the aforesaid scheme has been reflected in Schedule-9 (Advances) in the Balance Sheet.

(v) Interest receivable from the Govt of India in respect of balance amount of claims towards waiver of debt hasbeen recognised from the date of receipt of first instalment at the rate equivalent to “yield to maturity of 364days Treasury Bill” prevailing on the date of receipt of the first instalment.

CHANGE IN ACCOUNTING POLICIES

6. Interest on overdue deposits hitherto has been accounted for on cash basis. During the year, in accordance with theRBI directives, the Bank has provided interest on overdue deposits amounting to Rs.10.42 crores for the year, resultingin decrease in profit for the year to that extent.



Hkkjrh; fj”koZ cS a d ds funs Z 'kkuq lkj vko';d iz dVhdj.k 7- iwa th

fooj.k ckls y&I ckls y&II

pkyw o"kZ fiNyk o"kZ pkyw o"k Z fiNyk o"kZ

i. lhvkj,vkj (%) 13.18% 13.50% 14.52% 12.51%

ii. lhvkj,vkj&fV;j I iw a th (%) 7.68% 7.49% 8.46% 6.95%

iii. lhvkj,vkj & fV;j II iw a th (%) 5.50% 6.01% 6.06% 5.56%

(djks M+ #i;ks a es a )

fooj.k pkyw o"kZ fiNyk o"kZ

i. (d) Hkkjr ljdkj dh 'ks ;j/kfjrk dk iz fr'kr 'kw U; 'kw U;

([k) Hkkjrh; LVs V cS ad dh 'ks ;j/kfjrk dk iz fr'kr 75.00% 75.00%

ii. yksvj fV;j&II iw a th ds :i es a xkS .k ½.k dh jkf'k 1,000.00 1,000.00

iii. vij fV;j&II ca /i=k dh jkf'k 450.00 450.00

iv. vkbZ -ih-Mh-vkbZ - dh jkf'k 200.00 200.00

8- fuos 'k (djks M+ #i;ks a es a )


(1) fuos'kks a dk ew Y;

i. fuos 'kks a dk ldy ew Y; 11075.16 10566.08

(d) Hkkjr es a 11075.16 10566.08

([k) Hkkjr ds ckgj 'kw U; 'kw U; ii. ew Y;ßkl ds fy, iz ko/ku 76.37 67.72

(d) Hkkjr es a 76.37 67.72

([k) Hkkjr ds ckgj 'kw U; 'kw U;

iii. fuos 'kks a dk fuoy ew Y; 10998.79 10498.36

(d) Hkkjr es a 10998.79 10498.36

([k) Hkkjr ds ckgj 'kw U; 'kw U;

(2) fuos 'kks a ij ew Y;ßkl ds fy, /kfjr iz ko/kuks a dk mrkj&p<+ ko i. vFk 'ks "k 67.72 147.44

ii. tks M+ s a % o"kZ ds nkS jku fd;s x;s iz ko/ku 88.14 24.78iii. ?kVk;s a % o"kZ ds nkS jku cV~ Vs [kkrs Mkys x;s@iz frys [ku fd;s vfrfjDr iz ko/ku 79.49 104.50

iv. bfr 'ks "k 76.37 67.72

9- js iks ys u&ns u (djks M+ #i;ks a es a )

o"kZ ds o"kZ ds nkS jku o"kZ ds nkS jku 31 ekpZ 2009 nkS jku U;w ure vf/dre nS fud vkS lr dh fLFkfr

cdk;k cdk;k cdk;k ds vuqlkj

js iks ds va rxZ r cs ph xbZ iz frHkw fr;ka 100.00 470.00 19.99 0.00

fjolZ js iks ds va rxZ r [kjhnh xbZ iz frHkw fr;ka 75.00 2800.00 24.86 0.00



DISCLOSURES REQUIRED AS PER RBI GUIDELINES

7. CAPITAL

Particulars Basel-I Basel-II

Current Previous Current Previous

Year Year Year Yeari. CRAR (%) 13.18% 13.50% 14.52% 12.51%

ii. CRAR – Tier- I capital (%) 7.68% 7.49% 8.46% 6.95%

iii. CRAR – Tier- II capital (%) 5.50% 6.01% 6.06% 5.56%

(Rs. in crore)

ParticularsCurrent Previous

Year Year

i. (a) Percentage of the shareholding of the Government of India Nil Nil

ii. (b) Percentage of the shareholding of State Bank of India 75.00% 75.00%

iii. Amount of subordinated debt as Lower Tier-II capital 1000.00 1000.00iv. Amount of Upper Tier-II Bonds 450.00 450.00

v. Amount of IPDI Bonds 200.00 200.00

8. INVESTMENTS(Rs. in crore)

ParticularsCurrent Previous

Year Year

(1) Value of Investments

i. Gross Value of Investments 11075.16 10566.08

a) In India 11075.16 10566.08

b) Outside India NIL NIL

ii. Provisions for Depreciation 76.37 67.72

a) In India 76.37 67.72

b) Out side India NIL NIL

iii. Net Value of Investments 10998.79 10498.36

a) In India 10998.79 10498.36

b) Outside India NIL NIL

(2) Movement of provisions held towards depreciation on investments.

i. Opening balance 67.72 147.44

ii. Add: Provisions made during the year 88.14 24.78

iii. Less: Write-off/write-back of excess provisions during the year 79.49 104.50

iv. Closing balance 76.37 67.72

9. REPO TRANSACTIONS (Rs. in crore)

Minimum Maximum Daily Average As onoutstanding outstanding outstanding March 31,

during the year during the year during the year 2009

Securities sold under repos 100.00 470.00 19.99 NIL

Securities purchased under reverse repos 75.00 2800.00 24.86 NIL



10- ,l,yvkj ls brj fuos 'kks a dk la foHkkx (d) ,l,yvkj ls brj fuos 'kksa dk fuxZ edrkZ la?kVu (djks M+ #i;ksa es a )

Ø-la - fuxZedrkZ jkf'k futh fu;ks tu ^fuos 'k Js .kh ls ^vfu/kZfjr* ^^xS j lw phc¼** dk foLrkj uhps* iz frHkw fr;ks a iz frHkw fr;k sa i zfrHkwfr; a

dk foLrkj dk foLrkj dk foLrkj

(1) (2) (3) (4) (5) (6) (7)

(i) ljdkjh {ks =k ds miØe 47.22 35.16 0.00 0.00 0.16

(ii) foÙkh; laLFkk,a 98.15 98.15 0.00 52.71 56.91

(iii) cSa d 252.91 246.52 0.00 0.00 0.00

(iv) futh dkW iks Z js V 0.62 0.62 0.00 0.00 0.00

(v) lgk;d la LFkk,a @la ;q Dr miØe 0.00 0.00 0.00 0.00 0.00

(vi) vU; 187.61 21.17 0.00 12.48 20.49

(vii) tksM+ 586.51 401.62 0.00 65.19 77.56

(viii) ew Y;ßkl ds la ca / es a /kfjr iz ko/ku 68.76 XXX XXX XXX XXX

fuoy (vii - viii) 517.75 XXX XXX XXX XXX

([k) vutZ d ,l,yvkj ls brj fuos 'k (djks M+ #i;ks a es a ) fooj.k jkf'k

vFk'ks"k 2.75

1 viz S y ls o"kZ ds nkS jku ifjo/Z u 0.00

mi;q Z Dr vof/ ds nkS jku deh 1.93

bfr 'ks "k 0.82

dq y /kfjr iz ko/ku 0.82

11- O;q RiÂ (Ms fjos fVO”k) cS a d us o"kZ 2008&09 ds nkS jku tks f[ke ls cpko vFkok O;kikj ds fy, fdlh Hkh iz dkj ds O;q RiUu lk/uks a dk ys u&ns u ugha fd;kA rnuq lkj] Hkkjrh; fj”koZ cS a d ds fn'kk&funs Z 'kks a ds vuq lkj O;q IriÂ ys u&ns u lEca /h xq .kkRed ,oa la [;kRed iz dVhdj.k dh vko';drk ugh gSA

12- vkfLr xq .koÙkk (i) vutZ d vkfLr (djks M+ :i;ks a es a )


(i) fuoy vfxz eks a dh rq yuk es a fuoy vutZd vkfLr (») 0.85% 0.83%

(ii) vutZ d vkfLr;ks a (ldy) dk mrkj&p<+ ko (d) vFk 'ks "k 437.31 463.03

([k) o"kZ ds nkS jku o f¼ 336.02 291.99

(x) o"kZ ds nkS jku deh 283.00 317.71

(?k) bfr 'ks "k 490.33 437.31

(iii) fuoy vutZ d vkfLr;ks a dk mrkj&p<+ ko

(d) vFk 'ks "k 209.09 222.80([k) o"kZ ds nkS jku o f¼ 242.88 96.76

(x) o"kZ ds nkS jku deh 199.03 110.47

(?k) bfr 'ks "k 252.94 209.09

(iv) vutZ d vkfLr;ks a ds fy, iz ko/kuks a dk mrkj&p<+ko (ekud vkfLr;ks a ls la ca f/r iz ko/kuks a dks Nks M+ dj) py iz ko/kuks a dks lfEefyr dj (tS lk fd uks V la [;k 22 es a crk;k x;k gS)(d) vFk 'ks "k 228.22 239.28

([k) o"kZ nkS jku fd, x, iz ko/ku 56.03 117.42

(x) vfrfjDr iz ko/kuks a dks cê~ Vs [kkrs Mkyuk@iq ujka du@lek;ks tu 46.86 128.48

(?k) bfr'ks "k 237.39 228.22



10. Non- SLR Investment Portfolio

i) Issuer composition of Non- SLR Investments (Rs. in crore)

Sl. Issuer Amount Extent Extent of ‘ Extent of Extent ofNo. of private below ‘unrated’ ‘unlisted’

placement investment securities securitiesgrade’

securities

(1) (2) (3) (4) (5) (6) (7)

1. PSUs 47.22 35.16 0.00 0.00 0.162. FIs 98.15 98.15 0.00 52.71 56.913. Banks 252.91 246.52 0.00 0.00 0.004. Private Corporates 0.62 0.62 0.00 0.00 0.005. Subsidiaries/Joint Ventures 0.00 0.00 0.00 0.00 0.006. Others 187.61 21.17 0.00 12.48 20.497. TOTAL 586.51 401.62 0.00 65.19 77.568. Provision held towards depreciation 68.76 XXX XXX XXX XXX

Net (7 – 8) 517.75 XXX XXX XXX XXX

ii) Non-performing Non-SLR Investment (Rs. in crore)

Particulars Amount

Opening balance 2.75

Additions during the year since 1st April 0.00

Reductions during the above period 1.93

Closing balance 0.82

Total provisions held 0.82

11. Derivatives

Bank has not entered into any derivative transaction either for hedging or trading purpose during the year 2008-09. Accordingly, qualitative and quantitative disclosure under RBI guidelines with respect to derivative transactions is not

required.12. Asset Quality

(i) Non-Performing Asset (Rs. in crore)

Particulars Current Previous Year Year

(i) Net NPAs to Net Advances (%) 0.85% 0.83%(ii) Movement of NPAs (Gross)

a. Opening balance 437.31 463.03b. Additions during the year 336.02 291.99c. Reductions during the year 283.00 317.71d. Closing balance 490.33 437.31

(iii) Movement of Net NPAsa. Opening balance 209.09 222.80b. Additions during the year 242.88 96.76c. Reductions during the year 199.03 110.47d. Closing balance 252.94 209.09

(iv) Movement of provisions for NPAs

(excluding provisions on standard assets)including floating provision (as stated in Note No.22)a. Opening balance 228.22 239.28b. Provisions made during the year 56.03 117.42c. Write-off/write back/adjustment of excess provisions 46.86 128.48d. Closing Balance 237.39 228.22



(ii) iq ujZ puk ds v/hu ½.k vkfLr;ks a dk fooj.k (1) 01-04-2008 ls 27-08-2008 rd iq uZ jfpr ½.k vkfLr;ka (djks M+ #i;ksa es a )

fooj.k pkyw o"kZ fiNyk o"kZ i. iq ujZ puk] iq ufuZ/kZ j.k] iq u%ijØke.k ds v/hu ½.k 17.29 220.43

vkfLr;ks a dh dq y jkf'k_ blds vUrxZ r

lhMhvkj (iz ko/ku 1-66 djks M+ #i;s) 17.29 33.21

ii. iq ujZ puk] iq ufuZ/kkZ j.k] iq u%ijØke.k ds v/hu 17.29 220.41

ekud vkfLr;ks a dh jkf'k_ blds vUrxZ r lhMhvkj 17.29 33.21

iii. iq ujZ puk] iq ufuZ/kZ j.k] iq u% ijØke.k ds v/hu 'kw U; 0.01

voekud vkfLr;ks a dh jkf'k_ blds vUrxZ r lhMhvkj 'kw U; 'kw U;

iv. iq ujZ puk] iq ufuZ/kZ j.k] iq u% ijØke.k ds v/hu 'kw U; 0.01

lafnX/ vkfLr;ks a dh jkf'k_ blds vUrxZ r lhMhvkj 'kw U; 'kw U;

(2) 28-08-2008 ls 31-03-2009 rd iq uZ jfpr ½.k vkfLr;ka (djks M+ :i;ks a es a )

lhMhvkj ,l,ebZ ½.k vU; lajpu iqujZ puk

ekud ½f.k;ks a dh la [;k 03 2874 16007

½.k cdk;k jkf'k 120.34 30.14 510.89

iq ujZ fpr R;kx (mfpr ew Y; es a âkl) 9.33 — 2.79

voekud ½f.k;ks a dh la [;k — 12 76

½.k cdk;k jkf'k — 0.04 1.58

iq ujZ fpr R;kx (mfpr ew Y; es a âkl) — — —

lafnX/ ½f.k;ks a dh la [;k — 10 29 ½.k cdk;k jkf'k — 0.04 0.34

iq ujZ fpr R;kx (mfpr ew Y; es a âkl) — — —

;ks x ½f.k;ks a dh la [;k 03 2896 16112

cdk;k jkf'k 120.34 30.22 512.81

R;kx (mfpr ew Y; es a âkl) 9.33 — 2.79

(3) 2008&09 ds nkS jku iq ujZ fpr [kkrks a ds ckjs es a vfrfjDr iz dVhdj.k (djks M+ :i;ks a es a )

Ø- la - iz dVhdj.k la [;k jkf'k

1. 1 flrEcj 2008 dks ekud [kkrks a ds iq ujZ puk gsrq 31-03-2009 rd

iz kIr vkos nu i=k 18924 1239.372. mi;q Z Dr (1) es a 31-03-2009 rd vuq eks fnr ,oa dk;kZ fUor iz Lrko ,oa

fo'ks "k fu;ekuq lkjh dk;Z okgh ds rgr ekud vkfLr es a oxhZ dj.k ds ;ks X; 18884 661.37

3. mi;q Z Dr (1) es a 31-03-2009 rd vuq eks fnr ,oa dk;kZ fUor iz Lrko ys fdu ekud vkfLr es a mUu;u ugha gks lds — —

4. mi;q Z Dr (1) es a 31-03-2009 dks mu ekud [kkrks a ds iz Lrko tks iz fØ;k/hu@dk;kZ fUor ds vUrxZ r gSA 36 516.14

5. mi;q Z Dr (1) es a 31-03-2009 dks ,uih, esa ifjofrZ r [kkrks a ds iz Lrko tks iz fØ;k/hu@dk;kZ fUor ds vUrxZ r gS] dk ,d eq 'r dk;kZ Uo;u gks us ij ekud vkfLr es a oxhZ Ñr gks uk vis f{kr gSA 04 61.86



(ii) Details of loan assets subject to restructuring during 2008-09

(1) Loan assets restructured from 01.04.2008 to 27.08.2008 (Rs. in crore)

S.No ITEM Current Previous

Year Year

(2008-09) (2007-08)

i. Total amount of loan assets, subjected to restructuring, 17.29 220.43rescheduling, renegotiation,of which underCDR (Provision Rs. 1.66 cr) 17.29 33.21

ii. Total amount of Standard assets, subjected to restructuring, 17.29 220.41rescheduling, renegotiation:of which underCDR 17.29 33.21

iii. Total amount of Sub standard assets subjected to restructuring, Nil 0.01rescheduling, renegotiation;of which underCDR Nil Nil

iv. Total amount of Doubtful assets, subjected to restructuring, Nil 0.01

rescheduling, renegotiation;of which underCDR Nil Nil

(2) Loan assets restructured from 28.08.2008 to 31.03.2009 (Rs. in crore)

CDR Mechanism SME Debt Rest. Others

Standard No of borrowers 03 2874 16007advance Amount Outstanding 120.34 30.14 510.89restructured Sacrifice (diminution in fair value) 9.33 — 2.79

Sub standard No of borrowers — 12 76advance Amount Outstanding — 0.04 1.58restructured Sacrifice (diminution in fair value) — — —

Doubtful No of borrowers — 10 29advance Amount Outstanding — 0.04 0.34restructured Sacrifice (diminution in fair value) — — —

Total No of borrowers 03 2896 16112 Amount Outstanding 120.34 30.22 512.81Sacrifice (diminution in fair value) 9.33 — 2.79

(3) Additional disclosure regarding restructured accounts during 2008-09 (Rs. in crore)

S.No Disclosures Number Amount

1. Application received up to March 31, 2009 for restructuring in respect

of accounts which were standard as on September 1, 2008 18924 1239.372. Of (1), proposals approved and implemented as on March 31, 2009

and thus came eligible for special regulatory treatment and classifiedas standard assets as on the date of the balance sheet. 18884 661.37

3. Of (1), proposals approved and implemented as on March 31, 2009but could not be upgraded to the standard category. — —

4. Of (1),Proposals under process/implementation which werestandard as on March 31, 2009 36 516.14

5. Of (1), proposals under process/ implementation which turned NPAas on March 31,2009 but are expected to be classified as standardassets on full implementation of the package. 04 61.86



(iii) vkfLr;ks a dh iq ujZ puk gs rq iz frHkw frdj.k@iq ujZ puk da iuh dks cs ph x;h foÙkh; vkfLr;ks a dk fooj.k

(djks M+ :i;ks a es a )


i. [kkrks a dh la [;k 2 27

ii. ,l lh@vkj lh dks cs ps [kkrks a dk dq y ew Y; (iz ko/kuks a dks NksM+ dj) 7.36 1.30

iii. dq y iz friQy 20.09 7.95

iv. fiNys o"kksZ a esa va rfjr fd, x, [kkrksa ds la ca / es a iz kIr vfrfjDr iz friQy 'kwU; 'kwU;

v. fuoy iq Lrd ew Y; dh rq yuk es a dq y ykHk@gkfu 12.73 6.65

(iv) vutZ d foÙkh; vkfLr;ks a ds Ø;@foØ; dk fooj.k

(v) vutZ d foÙkh; vkfLr;ks a ds Ø; dk fooj. k (djks M+ #i;ks a es a )


i. (v) o"kZ ds nkS jku [kjhns x;s [kkrks a dh la [;k 'kwU; 'kwU; (c) dq y cdk;k 'kwU; 'kwU;

ii. (v) bues a ls] o"kZ ds nkS jku iqujZ fpr [kkrksa dh la [;k 'kwU; 'kwU; (c) dq y cdk;k 'kwU; 'kwU;

(c) vutZ d foÙkh; vkfLr;ks a ds foØ; dk fooj.k (djks M+ #i;ks a es a )


i. foØ; fd;s x;s [kkrks a dh la [;k 'kwU; 'kwU;

ii. dq y cdk;k 'kwU; 'kwU; iiii. dq y iz kIr iz friQy 'kwU; 'kwU;

(v) ekud vkfLr;ks a la ca /h iz ko/ku (djks M+ #i;ks a es a )


o"kZ ds nkS jku ekud vkfLr;ks a ds la ca / es a iz ko/ku 13.00 29.00

ekud vkfLr;ks a ds fy, la p;h iz ko/ku 131.87 118.87

13- dkjks ckjh vuq ikr


i. dk;Z dkjh fuf/;ks a ds iz fr'kr ds :i es a C;kt vk; 8.72% 8.46%

ii. dk;Z dkjh fuf/;ks a ds iz fr'kr ds :i es a xS j&C;kt vk; 1.32% 1.31%

iii. dk;Z dkjh fuf/;ks a ds iz fr'kr ds :i es a ifjpkyu ykHk 2.04% 1.83%

iv. vkfLr;ks a ij iz friQy 0.92% 0.87%

v. iz fr deZ pkjh dkjksckj (tek rFkk vfxz e) (yk[k #i;s es a ) 555.39 445.45

vi. iz fr deZ pkjh ifjpkyu ykHk (yk[k :i;s es a ) 7.86 5.73

vii. iz fr deZ pkjh 'kq ¼ ykHk (yk[k #i;s es a ) 3.55 2.73



iii) Details of financial assets sold to Securitisation / Reconstruction Company for Asset Reconstruction

(Rs. in crore)


i. No. of accounts 2 27

ii. Aggregate value (net of provisions) of accounts sold to SC/RC 7.36 1.30iii. Aggregate consideration 20.09 7.95

iv. Additional consideration realized in respect of accountstransferred in earlier years Nil Nil

v. Aggregate gain/loss over net book value. 12.73 6.65

iv) Details of non-performing financial assets purchased/solda) Details of Non-Performing financial assets purchased:

(Rs. in crore)


i. (a) No. of accounts purchased during the year Nil Nil(b) Aggregate outstanding Nil Nil

ii. (a) Of these, number of accounts restructured during the year Nil Nil(b) Aggregate outstanding Nil Nil

b) Details of Non-Performing financial assets sold : (Rs. in crore)


i. No. of accounts sold Nil Nil

ii. Aggregate outstanding Nil Niliii. Aggregate consideration received Nil Nil

v) Provisions on Standard Asset (Rs. in crore)


Provisions towards Standard Assets-made during the year 13.00 29.00

Cumulative Provision held for Standard Assets 131.87 118.87

13. Business RatiosParticulars Current Previous

Year Year

i. Interest Income as a percentage to Working Funds 8.72% 8.46%

ii. Non-interest income as a percentage to Working Funds 1.32% 1.31%

iii. Operating Profit as a percentage to Working Funds 2.04% 1.83%

iv. Return on Assets 0.92% 0.87%

v. Business (Deposits plus advances) per employee (Rs. in lacs) 555.39 445.45

vi. Operating Profit per employee (Rs. in lacs) 7.86 5.73

vii. Net Profit per employee (Rs. in lacs) 3.55 2.73



14- vkfLRk&ns ;rk iz ca /u vkfLr;ks a vkS j ns ;rkvks a dh dq N enks a dh ifjiDork dk Lo:i (djks M+ #i;kas es a )

1 fnu 2 ls 8 ls 15 ls 29 fnu ls a 3 eghus ls 6 eghus ls 1 o"kZ ls 3 o"kZ ls 5 o"kZ ls dq y 7 fnuks a 14 fnuks a 28 fnuks a 3 eghus vf/d rFkk vf/d rFkk vf/d rFkk vf/d rFkk vf/d

rd rd rd rd 6 eghus rd 1 o"kZ rd 3 o"kZ rd 5 o"kZ rd tek 8 8.39 59 6.05 66 2.07 6 29.56 35 55.15 36 78.28 704 2.13 13 05 1.44 477 0.88 51 50.47 39224.42

vfxz e 17 3.94 32 9.03 59 9.93 7 06.30 11 06.89 16 20.94 234 8.77 16 180 .20 298 8.78 38 61.93 29850.71

fuos'k 45.03 243.73 0.00 222.20 263.11 967.77 625.83 2108.79 1325.68 5196.65 10998.79

m/kj 294.01 0.00 0.00 0.00 50.72 350.72 90.00 0.00 0.00 0.00 785.45

fons 'kh eqnzk 394.86 2.96 14.93 20.00 17.51 28.10 0.00 0.00 0.00 114.69 593.05

vkfLr;ka

fons 'kh

eqnzk 324.66 0.29 1.09 0.70 52.23 70.15 22.73 24.02 8.51 0.00 504.38 ns ;rk,a

(mi;q Z Dr vka dM+ ks a ds la dyu es a Hkkjrh; fj”koZ cS a d ds fn'kk&funsZ 'kks a ds vuq lkj iz cU/u }kjk dq N iwokZ uq eku ,oa iz kDdyu fd, x, gS a ] ftUgs a ys [kk ijh{kdks a us fo'oluh; ekuk gSA)

15- la os nu'khy {ks =k ds m/kj

i) LFkkoj la ink {ks =k es a fuos 'k (,Dliks tj)(djks M+ #i;ks a es a )

Js .kh pkyw o"kZ fiNyk o"kZ

d) iz R;{k fuos 'k (,Dliks tj)i) vkoklh; ca /d 20-00 yk[k #i;s ls vf/d (xr o"kZ #i;s 15-00 yk[k) 104.63 156.64

vkoklh; ca /d 20-00 yk[k #i;s rd (xr o"kZ #i;s 15-00 yk[k) 2470.39 2091.71

ii) okf.kfT;d LFkkoj la ink (xS j&fuf/d vk/kfjr lfgr) 1093.36 1092.58

iii) ca /d lefFkZ r iz frHkw fr;ks a (,ech,l) es a fuos 'k vkS j vU; tek iz frHkw frd r d- vkoklh; 'kw U; 'kwU;

[k- okf.kfT;d LFkkoj la ink 'kw U; 'kwU;

[k) viz R;{k fuos 'k (,Dliks tj)

jk"Vª h; vkokl cS a d (,u,pch) vkS j vkokl foÙk dEifu;ks a (,p,iQlh) ds la ca / ea s fuf/d rFkk xS j&fuf/d vk/kfjr fuos 'k 568.42 386.16

ii) iw a th cktkj es a fuos 'k (,Dlikstj)(djks M+ #i;ks a es a )

Ø-la - Js .kh pkyw o"kZ fiNyk o"kZ

i) bZ fDoVh 'ks;jks a ] ifjorZ uh; ckaMks a ] ifjorZ uh; fMcs a pjks a rFkk bZ fDoVh 209.30 215.68

mUeq [k E;q P;q vy iQa Mks a ds ;w fuVks a es a iz R;{k fuos 'k ftudh ew yfuf/ iw jh rjg ls da iuh ½.k es a fuos 'k ugha dh tkrh gS_



14. Asset Liability Management

Maturity pattern of certain items of assets and liabilities(Rs. in crore)

Day 1 2 to 7 8 to 14 15 to 29 days Over 3 Over 6 Over Over Over Totaldays days 28 days to months months 1 year 3 years 5 years

3 months & up to & up to & up to & up to

6 months 1 year 3 years 5 years

Deposits 88 .39 596 .05 662 .07 6 29.56 355 5.15 36 78.28 7 042 .13 1 305 1.44 47 70.88 51 50.47 39224.42

Advances 173 .94 329 .03 599 .93 7 06 .30 110 6.89 16 20.94 2 348 .77 1 618 0.20 29 88.78 38 61.93 29850.71

Investments 45.03 243.73 0.00 222.20 263.11 967.77 625.83 2108.79 1325.68 5196.65 10998.79

Borrowings 294.01 0.00 0.00 0.00 50.72 350.72 90.00 0.00 0.00 0.00 785.45

ForeignCurrency 394.86 2.96 14.93 20.00 17.51 28.10 0.00 0.00 0.00 114.69 593.05assets

ForeignCurrency 324.66 0.29 1.09 0.70 52.23 70.15 22.73 24.02 8.51 0.00 504.38

liabilities

(In compiling the above data, certain assumptions as per RBI guidelines and estimates have been made by the managementand relied upon by auditors)

15. Lending to Sensitive Sector

i) Exposure to Real Estate Sector(Rs. in crore)

Category Current Previous Year Year

a) Direct Exposure

i) Residential Mortgages more than Rs 20.00 lacs 104.63 156.64(Prev. Yr.Rs.15.00 lac)

Residential Mortgages upto Rs 20.00 lacs 2470.39 2091.71(Prev. Yr.Rs.15.00 lac)

ii) Commercial Real Estate ( including Non-fund based) 1093.36 1092.58

iii) Investment in Mortgage Backed Securities (MBS) and othersecurities exposures:-

a) Residential 0.00 0.00b) Commercial Real Estate 0.00 0.00

b) Indirect Exposure 568.42 386.16

Fund and Non-fund based exposures on National Housing Bank (NHB)and Housing Finance Companies( HFCs)

ii) Exposure to Capital Market(Rs. in crore)

S.No. Particulars Current Previous Year Year

i) Direct investment in equity shares, convertible bonds, 209.30 215.68convertible debentures and units of equity–orientedmutual funds the corpus of which is not exclusivelyinvested in corporate debt



Ø-la - Js .kh pkyw o"kZ fiNyk o"kZ

ii) 'ks ;jks a (vkbZ ihvks@b,lvksih,l lfgr)] ifjorZ uh; cka Mks a ] ifjorZ uh; 'kw U; 'kw U; fMcs a pjks a ] bZ fDoVh mUeq [k E;q P;q vy iQa Mks a ds ;w fuVks a es a fuos 'k gs rq O;fDr;ks a dks 'ks ;jks a@cka Mks a @fMcs a pjks a ;k vU; iz frHkw fr;ks a dh tekur ij ;k fucZ / vk/kj ij vfxz e_

iii) fdlh ,s ls vU; iz ;kstu ds fy, vfxz e tgk¡ 'ks ;jks a esa ifjorZ uh; cka Mks a ;k 'kw U; 'kw U; ifjorZ uh; fMcs a pjksa ;k bZ fDoVh mUeq [k E;q P;qvy iQa Mks a ds ;w fuVks a dks iz kFkfed iz frHkw fr ds :i es a fy;k tkrk gS_

iv) fdlh vU; iz ;ks tu ds fy, ml lhek rd vfxz e ftl lhek rd og 'ks ;jks a ;k 'kw U; 'kw U; ifjorZ uh; cka Mks a ;k ifjorZ uh; fMcs a pjks a ;k bZ fDoVh mUeq [k E;q P;q vy iQa Mks a ds ;w fuVks a dh leikf'Zod tekur }kjk tekur iz kIr gS vFkkZ r~ tgk¡ 'ks ;jks a @ifjorZ uh; cka Mks a@ ifjorZ uh; fMcs a pjks a @bZ fDoVh mUeq[k E;q P;q vy iQa Mks a ds ;wfuVks a ls fHkUu iz kFkfed iz frHkwfr vfxz eks a dks iw.kZ tekur iz nku ugha djrh_

v) LVkW d cz ks djks a dks tekurh rFkk xS j&tekurh vfxz e vkS j LVkW d cz ks djks a 20.00 20.00

rFkk ekds Z V es djks a dh vks j ls nh xbZ xkja fV;ka ] vi) daifu;ks a dks la lk/u tq Vkus dh iz R;k'kk es a u;h da iuh dh bZ fDoVh es a 'kw U; 'kw U;

iz orZ d ds va 'knku dks iw jk djus ds fy, 'ks ;jks a @cka Mksa @fMcs a pjksa ;k vU; iz frHkw fr dh tekur ij ;k fucZ / vk/kj ij eatw j ½.k_

vii) la Hkkfor bZ fDoVh iz okgks a @fuxZ eks a dh tekur ij da ifu;ks a dks iw jd ½.k_ 'kw U; 15.00

viii) 'ks ;jks a ;k ifjorZ uh; cka Mks a ;k ifjorZ uh; fMcs a pjks a ;k bZ fDoVh mUeq [k E;q P;q vy 'kw U; 'kw U; iQa Mks a ds ;w fuVks a ds iz kFkfed fuxZ e ds la nHkZ es a cS a dks a }kjk fd;s x;s gkehnkjh ok;ns_

ix) ekftZ u Vs ª fMa x ds fy, LVkWd cz ks djks a dk foÙkiks "k.k_ 'kw U; 'kw U;

x) m|e iw a th fuf/;ks a (ia thÑr vkS j viathd` r nks uksa ) ds lHkh 3.33 'kw U; ,Dliks tjks a dksbZ fDoVh ds led{k le>k tk;s xk vkS j blfy, iw ¡ th cktkj ,Dliks tj dh mPpre lhek (iz R;{k ,oa ijks{k nks uks a ) dsvuqikyu ds fy, fxuk tk,xkA

xi) iw ¡ th cktkj es a dq y fuos 'k 232.63 250.68

16- tks f[ke Js .kh&okj ns 'k la ca /h fuos 'k (,Dliks tj) (djks M+ #i;ks a es a )

tks f[ke Js .kh 31 ekpZ 2009 31 ekpZ 2009 31 ekpZ 2008 31 ekpZ 2008 (pkyw o"kZ) (pkyw o"kZ) (fiNys o"kZ ) (fiNys o"kZ )

dks fuos 'k (fuoy) dks /kfjr iz ko/ku dks fuos 'k (fuoy) dks /kfjr iz ko/ku

egRoiw .kZ ugha 301.39

'kwU; 1275.22 'kw U;

fuEu 291.73 'kwU; 266.13 'kw U; eè;e fuEu 20.99 'kwU; 37.77 'kw U; eè;e 3.54 'kwU; 6.34 'kw U; eè;e mPp 0.42 'kwU; 1.25 'kw U; mPp 'kwU; 'kwU; 'kw U; 'kw U; vfr mPp 'kwU; 'kwU; 2.31 'kw U;

dqy 618.07 'kwU; 1589.02 'kw U;

iz R;s d ns'k ds lkFk fons'kh fofue; la O;ogkjks a es a cS a sd dk fuoy fuf/d foxks iku cS a d dh dq y vkfLr;ks a ds 1» ds vanj gSA vr% iz ko/ku dh vko';drk ugha gSA




ii) Advances against shares/bonds/debentures or other securities 0.00 0.00or on clean basis to individuals for investment in shares(including IPOs/ESOPs), convertible bonds, convertible

debentures, and units of equity-oriented mutual funds;iii) Advances for any other purposes where shares or convertible 0.00 0.00

bonds or convertible debentures or units of equity orientedmutual funds are taken as primary security;

iv) Advances for any other purposes to the extent secured by the 0.00 0.00collateral security of shares or convertible bonds or convertibledebentures or units of equity oriented mutual funds i.e. wherethe primary security other than shares/convertible bonds/ convertible debentures/units of equity oriented mutual funds‘does not fully cover the advances;

v) Secured and unsecured advances to stockbrokers and 20.00 20.00

guarantees issued on behalf of stockbrokers and market makersvi) Loans sanctioned to corporates against the security of shares / 0.00 0.00

bonds/debentures or other securities or on clean basis for meetingpromoter’s contribution to the equity of new companies inanticipation of raising resources;

vii) Bridge loans to companies against expected equity flows/issues; 0.00 15.00

viii) Underwriting commitments taken up by the banks in respect of 0.00 0.00primary issue of shares or convertible bonds or convertibledebentures or units of equity oriented mutual funds;

ix) Financing to stockbrokers for margin trading; 0.00 0.00

x) All exposures to Venture Capital Funds (both registered and 3.33 0.00unregistered) will be deemed to be on par with equity andhence will be reckoned for compliance with the capital marketexposure ceilings (both direct and indirect)

xi) Total Exposure to Capital Market 232.63 250.68

16. Risk Category wise Country Exposure (Rs. in crore)

Risk Category Exposure (net) as Provision held as Exposure (net) as Provision held asat March 31, 2009 at March 31, 2009 at March 31, 2008 at March 31, 2008

(Current Year) (Current Year) (Previous Year) (Previous Year)

Insignificant 301.39 Nil 1275.22 Nil

Low 291.73 Nil 266.13 Nil

Moderately low 20.99 Nil 37.77 Nil

Moderate 3.54 Nil 6.34 Nil

Moderately High 0.42 Nil 1.25 Nil

High 0.00 Nil Nil Nil

Very high 0.00 Nil 2.31 Nil

Total 618.07 Nil 1589.02 Nil

The net funded exposure of the Bank in respect of foreign exchange transactions with each country is within 1% of the totalassets of the Bank and hence, no provision is required.



17- cS a d }kjk ,dy m/kjdrkZ lhek (,lch,y)] lew g m/kjdrkZ lhek (thch,y) ds mYya ?ku dk fooj.k

cS a d us o"kZ ds nkS jku ,dy m/kjdrkZ lhek rFkk lew g m/kjdrkZ lhek dk mYya ?ku ugha fd;k gSA

18- ykHk&gkfu [kkrs es a iz ko/ku ,oa vkdfLed O;; dk fooj.k fuEukuq lkj gS%

(djks M+ #i;ks a es a )

fooj.k pkyw o"kZ fiNyk o"kZ fofu/kuks a ij ew Y; ßkl@ifj'kks/u gs rq iz ko/ku 88.14 24.78

xSj&fu"ikfnr vkfLr;ksa gsrq izko/ku 88.59 75.91

xSj&fu"ikfnr vkfLr;ksa ds fy, vLFkk;h izko/ku (-)15.16 41.50

ekud vkfLr;ksa ij iz ko/ku% 13.00 29.00

djk/ku gs rq iz ko/ku (i) vk;dj 267.95 74.82

(ii) C;kt dj 'kwU; (–)5.37

(iii) /u dj 0.07 0.90

(iv) fÚat cs fufiQV VS Dl (-)4.39 5.00

lhMhvkj@xS j lhMhvkj [kkrks a ij C;kt R;kx dk iz ko/ku 8.54 (–)0.94 iq u%la jfpr Ñf"k ½.kksa ij iz ko/ku (-)6.71 'kwU; d` f"k ½.k ekiQh ij orZ eku ew Y; gsrq iz ko/ku 12.95 'kwU; vU;@lekfJr 50.92 27.40

503.90 273.00

vkLFkfxr dj nkf;Ro @ (vkfLr) (-)14.51 73.18

;ksx 489.39 346.18

19- vLFkk;h izko/ku (djks M+ #i;ks a es a )

Ø-la- fooj.k pkyw o"kZ fiNyk o"kZ

1- vLFkk;h izko/ku [kkrs esa vFk'ks "k 76.30 34.80

2- ys [kk o"kZ es a fd;s x;s vLFkk;h iz ko/kuksa dh ek=kk 'kwU; 41.50

3- o"kZ ds nkS jku fd;s x;s vkgj.k dk iz ;ks tu vkS j jkf'k 15.16 'kwU; 4- vLFkk;h iz ko/ku [kkrs es a vfr'ks "k 61.14 76.30

20- f'kdk;rks a @cS a fda x yks diky }kjk ikfjr vfØ;kfUor vf/fu.kZ ;ks a dk fooj.k

d- xz kgd f'kdk;rs a

(d) o"kZ ds iz kjEHk es a yafcr f'kdk;rks a dh la [;k 49

([k) o"kZ ds nkS jku iz kIr f'kdk;rksa dh la [;k 1269

(x) o"kZ ds nkS jku nw j dh x;h f'kdk;rksa dh la [;k 1287

(?k) o"kZ ds va r es a ya fcr f'kdk;rks a dh la [;k 31

[k- cSa fda x yks diky }kjk ikfjr vf/fu.kZ ;

(d) o"kZ ds iz kEHk es a dk;kZ fUor u fd;s x;s vf/fu.kZ ;ks a dh la [;k —

([k) o"kZ ds nkS jku cS a fda x yks diky }kjk ikfjr vf/fu.kZ ;ks a dh la [;k —

(x) o"kZ ds nkS jku dk;kZ fUor fd;s x;s vf/fu.kZ ;ks a dh la [;k —

(?k) o"kZ ds va r ea s dk;kZ fUor u fd;s x;s vf/fu.kZ ;ksa dh la [;k —



17. Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the bank

The Bank has not exceeded the Single Borrower Limit and Group Borrower Limit during the year.

18. Details of Provisions & Contingencies in Profit & Loss Account are as under :.

(Rs. in crore)


Provision for Depreciation/Amortisation on investments 88.14 24.78Provision for Non Performing Assets 88.59 75.91Floating provision towards NPAs (-)15.16 41.50Provision on Standard Assets 13.00 29.00Provision for Taxation:(i) Income Tax 267.95 74.82(ii) Interest Tax 0.00 (-)5.37(iii) Wealth Tax 0.07 0.90(iv) Fringe Benefit Tax (-)4.39 5.00Provision for Sacrifice of Interest in CDR/Non CDR A/cs 8.54 (-)0.94

Provision for Restructured Agriculture Advances (-)6.71 0.00Provision for Agr. Debt Waiver based on NPV 12.95 0.00Others/Contingencies 50.92 27.40

503.90 273.00Deferred Tax Liabilities/(Asset) (-)14.51 73.18

TOTAL 489.39 346.18

19. Floating Provisions (Rs. in crore)


1 Opening balance in Floating Provisions Account 76.30 34.80

2. The quantum of Floating Provisions made in the accounting year 0.00 41.50

3. Purpose and amount of draw down made during the accounting year 15.16 0.00

4. Closing balance in Floating Provisions Account 61.14 76.30

20. Details of Complaints/unimplemented awards of Banking Ombudsman

A. Customer Complaints

(a) No. of Complaints pending at the beginning of the year 49

(b) No. of Complaints received during the year 1269

(c) No. of Complaints redressed during the year 1287

(d) No. of Complaints pending at the end of the year 31

B. Awards passed by the Banking Ombudsman

(a) No. of unimplemented Awards at the beginning of the year —

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

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

(d) No. of unimplemented Awards at the end of the year —



21- ,e-,l-,e-bZ-Mh- vf/fu;e ds va rxZ r iz dVhdj.k

lw {e ,oa y?kq m/fe;ks a ls Ø; py lEifr ls la ca f/r lw puk dk fooj.k (djks M+ #i;ks a es a )

Ø-la - fooj.k ew y jkf'k C;kt

1- 31-03-2009 dks fdlh Hkh vkiwfrZ drkZ dh cdk;k ew y jkf'k ,oa ml 'kw U; 'kwU;

ij ns ; C;kt (vyx vyx n'kkZ ;k tk;s)2- o"kZ 2008&09 ds nkS jku fdlh vkiw frZ drkZ dks fu;r fnol ds i'pkr~ 'kwU; 'kwU;

fd;s x;s Hkq xrku dh jkf'k ,oa ,e-,l-,e-bZ -Mh- vf/fu;e dh /kjk 16 dsva rxZ r Øs rk }kjk pq dk;s x;s C;kt dh jkf'k 'kwU; 'kw U;

3- Hkq xrku (tks o"kZ ds nkS jku fu;r fnol ds i'pkr pqdk;s x;s gS a )] xxx 'kwU; ftUgsa bl vf/fu;e es a mYys f[kr C;kt dks tks M+ s a fcuk fd;k x;k gS] es a ns jh dh vof/ gs rq ns ; ,oa Hkq xrku ;ks X; C;kt dh jkf'k

4- 31-03-2009 dks vnÙk jgus okys mikftZ r C;kt dh jkf'k xxx 'kwU;

5- vuq orhZ o"kks Z a esa Hkh] tc rd y?kq m|eh dks mi;q DZ r ns ; C;kt dk okLro xxx

'kwU; es a Hkq xrku ugha dj fn;k tkrk] Hkq xrku ;ks X; vkxs ds vnÙk C;kt dh jkf'k] tks vf/fu;e dh /kjk 23 ds va rxZ r dVkS rh ;ks X; O;; ds :i es a vLohdk;Z dh tkuh gSA

ys [kk ekudks a ls lEcfU/r iz dVhdj.k 22- ys [kk ekud&9 % jktLo vfHkKku

ys [kk uhfr] ftldk vuq lj.k fd;k x;k gS] ds vuq lkj ftu vk;&O;; dh enks a dk ys [kka du udn vk/kj ij fd;k x;k gS] Hkkjrh; fjtoZ cS a d ds fn'kk funs Z 'kka s ds vuq :i oLrq ijd ugha le>s x;s gS] vr% iz dVhdj.k dh vko';drk ugha gSA

23- ys [kk ekud 15&deZ pkjh ykHk (la 'kks f/r 2005)1) fu/kZ fjr ykHk is a 'ku ;ks tuk ,oa xz s P;q Vh

(v) ys [kk ekud&15 ds vuq lkj fu/kZ fjr ykHk is a 'ku ;ks tuk ,oa xz s P;q Vh ;ks tuk dh fLFkfr fuEu lkj.kh ds vuq lkj gS%&

(djks M+ #i;ka s es a )

fooj.k isa 'ku ;kstuk xz sP;qVh

fu/kZ fjr ykHk nkf;Ro ds orZ eku ew Y; es a ifjorZ u 01-04-2008 dks vkja fHkd fu/kZ fjr ykHk nkf;Ro 1068 235.32

pkyw lsok ykxr 26 13.96

C;kt ykxr 86 19.38

thoukafdd gkfu;ka (ykHk) 24 (23.65)

iwoZ lsok ykxr (vfufgr ykHk) — —

iwoZ lsok ykxr (fufgr ykHk)— —

vnk fd;s x;s ykHk (31) (14.00)

31-3-2009 dks vafre fu/kZfjr ykHk nkf;Ro 1174 231.00

;ks tuk vkfLr;ks a es a ifjorZ u 01-04-2008 dks ;kstuk vkfLr;ksa dk izkjafHkd mfpr ewY; 802 231.09

;kstuk vkfLr;ksa dk vuqekfur izfriQy 70 17.93

fu;ksDrk }kjk ;ksxnku 166 —

vnk fd;s x; ykHk (31) (14.00)

thouka fdd ykHk (gkfu;ka ) 17 12.99

31-03-2009 dks ;ks tuk vkfLr;ks a dk va fre mfpr ew Y; 1025 248.00



21. DISCLOSURES IN TERMS OF MSMED ACT

Details of Information relating to purchase of movebale property from Micro and Small Enterprises

(Rs. in crore)

S.No. Particulars Principal InterestAmount

1. The principal amount and the interest due thereon (to be shown 0.00 0.00separately) remaining unpaid to any supplier as on 31/03/2009

2. The amount of interest paid by the buyer in terms of section 16 of 0.00 0.00the MSMED Act, along with the amount of the payment made to thesupplier beyond the appointed day during the year 2008-09.

3. The amount of interest due and payable for the period of delay in making xxx 0.00payment (which have been paid but beyond the appointed day duringthe year) but without adding the interest specified under this Act;

4. The amount of interest accrued and remaining unpaid as on 31/03/2009 xxx 0.00

5. The amount of further interest remaining due and payable even in the xxx 0.00succeeding years, until such date when the interest dues as above areactually paid to the small enterprise, for the purpose of disallowance asa deductible expenditure under section 23 of the Act.

DISCLOSURES IN TERMS OF ACCOUNTING STANDARDS (AS)

22. AS- 9 Revenue Recognition

In line with the Accounting Policy followed, items of income /expenditure accounted on cash basis are considerednot material, in terms of RBI guidelines, and hence do not require disclosure.

23. AS – 15 Employee Benefits (Revised 2005)

1) Defined Benefit Pension Plan and Gratuitya) The following table sets out the status of the defined benefit Pension Plan and Gratuity Plan as required

under AS 15 :

(Rs. in crore)

Particulars Pension Plans Gratuity

Change in the present value of the defined benefit obligations

Opening defined benefit obligation at 1.04.08 1068 235.32Current Service Cost 26 13.96Interest Cost 86 19.38 Actuarial losses (gains) 24 (23.65)

Past Service Cost (Non Vested Benefit) — —Past Service Cost (Vested Benefit) — —Benefits paid (31) (14.00)Closing defined benefit obligation at 31.03.09 1174 231.00

Change in Plan Assets

Opening fair value of plan assets at 1.04.09 802 231.09Expected Return on Plan assets 70 17.93Contributions by employer 166 —Benefit Paid (31) (14.00) Actuarial Gains (Losses ) 17 12.99Closing fair value of plan assets at 31.03.09 1025 248.00



fooj.k isa 'ku ;kstuk xz sP;qVh

nkf;R; ds orZ eku ew Y; ,oa ;ks tuk vkfLr;ks a ds mfpr ew Y; dk lek/ku 31-03-2009 dks fuf/d nkf;Ro dk orZ eku ew Y; 1174 231.00

31-03-2009 dks ;ks tuk vkfLr;ks a dk mfpr ew Y; 1025 248.00

deh@(vkf/D;) 149 (17.00)

;ks tuk vkfLr;ksa ij vuq Hko dk lek;ks tu — — ;ks tuk nkf;Roks a ij vuq Hko dk lek;ks tu — —

(v) vfHkKkfur iw oZ ls ok ykxr — —

'kq ¼ nkf;Ro@(vkfLr) 149 (17.00)

rq yu i=k es a vfHkKkfur jkf'k nkf;Ro 149 —

vkfLr;ka — 17.00

31-03-2009 dks rq yu i=k es a vfHkKkfur 'kq ¼ nkf;Ro @ (vkfLr) 149 (17.00)

ykHk ,oa gkfu [kkrs es a vfHkKkfur 'kq ¼ ykxr pkyw ls ok ykxr 26 13.96

C;kt ykxr 86 19.38

;ks tuk vkfLr;ksa es a vuq ekfur iz friQy (70) (17.93) frekgh ds nkS jku vfHkKkfur 'kq ¼ thouka fdd gkfu (ykHk) 7 (36.64)

vfHkKkfur iw oZ ls ok ykxr (vfufgr ykHk) — —

vfHkKkfur iw oZ ls ok ykxr (fufgr ykHk) — —

pkyw o"kZ ds ykHk gkfu [kkrs dh vuq lw ph 16 es a ^^deZ pkfj;ks a dks Hkq xrku vkS j muds fy, iz ko/ku** es a lfEefyr fu/kZ fjr ykHk ;ks tukvks a dh dq y ykxr 50 (21.23)

;ks tuk vkfLr;ks a ij vuq ekfur iz friQy ,oa okLrfod iz friQy dk lek/ku ;ks tuk vkfLr;ks a ij vuqekfur iz friQy 70 17.93

;ks tuk vkfLr;ks a ij thouka fdd ykHk@(gkfu) 17 12.99

;ks tuk vkfLr;ks a ij okLrfod iz friQy 87 30.92

rq yui=k es a vfHkKkfur vkja fHkd ,oa va fre 'kq ¼ nkf;Ro dk lek/ku 01-04-2008 dks vkja fHkd 'kq ¼ nkf;Ro 266 4.23

ykHk ,oa gkfu [kkrs es a vfHkKkfur O;; 50 (21.23)

fu;ks Drk }kjk ;ks xnku 167 —

31-03-2009 dks rq yu&i=k es a vfHkKkfur 'kq ¼ nkf;Ro@(vkfLr) 149 (17.00)

(c) iq u% la LFkkiu O;; ds fy, #i;s 1-89 djks M+ dh jkf'k dks fu;ks tuks Ùkj ykHk ;ks tukvks a gs rq O;; ds :i es a vfHkKkfur dj ykHk ,oa gkfu [kkrs ds 'kh"kZ d ^deZ pkfj;ks a dks Hkq xrku vkS j muds fy, iz ko/ku* es a lfEefyr fd;k x;k gSA

(l) foÙkh; o"kZ 2009&10 ds nkS jku cS a d }kjk fu/kZ fjr ykHk is a 'ku ;ks tuk ,oa xs z P;qVh ;ks tuk ds fy, Øe'k% #i;s 40-00 djks M+ ,oa #i;s12-78 djks M+ dk ;ks xnku la Hkkfor gSA

(n) xs z P;qVh dks "k ,oa is a 'ku dks "k dh ;ks tuk vkfLr;ks a es a 31-03-09 dks fuEu iz dkj ls fuos 'k fd;k x;k gS%& (djks M+ #i;ka s es a )

xs z P;q Vh dks "k is a 'ku dks"k vkfLr;ks a dh Js .kh jkf'k ;ks tuk vkfLr;ks a dk iz fr'kr jkf'k ;kstuk vkfLr;ks a dk iz fr'kr

;ksx 227.84 91.87% 896.89 87.50%

mi;q Z Dr es a ls fuEu fuos 'k Hkkjrh; LVs V cS a d es a fd;s x;s gS a % (djks M+ #i;ka s es a )

xs z P;q Vh dks "k is a 'ku dks "k

vkfLr;ks a dh Js .kh jkf'k ;ks tuk vkfLr;ks a dk iz fr'kr jkf'k ;ks tuk vkfLr;ks a dk iz fr'kr

;ksx 11.00 4.44% 35.50 3.46%

(;) leLr thouka fdd ykHkks a ,oa gkfu;ks a dks ykHk ,oa gkfu [kkrs es a iwjh rjg ls vfHkKkfur fd;k x;k gSA



Particulars Pension Plans Gratuity

Reconciliation of present value of the obligation and fair value of the plan assets

Present Value of Funded obligation at 31.03.09 1174 231.00Fair Value of Plan assets at 31.03.09 1025 248.00Deficit/(Surplus) 149 (17.00)Experience adjustment on plan assets — —

Experience adjustment on plan liabilities — —Unrecognised Past Service Cost — —Net Liability/(Asset ) 149 (17.00) Amount Recogninsed in the Balance SheetLiabilities 149 — Assets — 17.00Net Liability/(Asset) recognised in Balance Sheet as at 31.03.09 149 (17.00)

Net Cost recognised in the profit and loss account

Current Service Cost 26 13.96Interest Cost 86 19.38Expected return on plan assets (70) (17.93)

Net actuarial losses(Gain) recognized during the quarter 7 (36.64)Past Service Cost (Non Vested Benefit ) Recognised — —Past Service Cost (Vested Benefit ) Recognised — —Total costs of defined benefit plans included in current year P&Lunder Sch 16 ‘Payments to and provisions for employees’ 50 (21.23)

Reconciliation of expected return and actual return on Plan Assets

Expected Return on Plan Assets 70 17.93 Acturial Gain/ (loss) on Plan Assets 17 12.99 Actual Return on Plan Assets 87 30.92

Reconciliation of opening and closing net liability recognized in Balance Sheet

Opening Net Liability as at 1.04.2008 266 4.23

Expenses as recognized in profit and loss account 50 (21.23)Employers Contribution 167 —Net liability/(Asset) recognized in Balance Sheet as at 31.03.09 149 (17.00)

b) In case of resettlement expenses, an amount of Rs.1.89 crores is recognised as expense towards Post EmploymentBenefit Plans included under the head “Payments to and provision for employees” in profit and loss account.

c) The Bank expects to contribute Rs 40.00 crores and Rs 12.78 crore to its defined benefit Pension Plan and GratuityPlan respectively during the financial year 2009-10.

d) Investments under Plan Assets of Gratuity Fund & Pension Fund as on 31.03.09 are as follows: -

(Rs. in crore)

Gratuity Fund Pension Fund

Category of Assets Amount % of Plan Assets Amount % of Plan Assets

Total 227.84 91.87 896.89 87.50

Out of the above following investment are made in State Bank of India :(Rs. in crore)

Gratuity Fund Pension Fund

Category of Assets Amount % of Plan Assets Amount % of Plan Assets

Total 11.00 4.44% 35.50 3.46%

e) All the actuarial gains and losses have been fully recognized in the statement of profit and loss.



(j) iz eq [k thouka fdd vuq eku%&

fooj.k fu/kZ fjr ykHk xz s P;q Vh (») is a 'ku ;ks tuk (»)

01-04-2008 dks cV~ Vk nj 8.00 8.00

01-04-2008 dks ;kstuk vkfLr;ks a ij vuq ekfur iz friQy nj 8.00 8.0001-04-2008 dks osru o`f¼ 4.00 4.00

31-03-2009 dks cV~Vk nj 7.50 7.50

31-03-2009 dks ;kstuk vkfLr;ksa ij vuqekfur izfriQy nj 8.00 8.00

31-03-2009 dks os ru o` f¼ 4.00 4.00

(y) thouka fdd ew Y;ka du djus es a Hkkoh os ru o f¼ ds vuq eku] eqnz kLiQhfr (4»)] inks Âfr ,oa fu;ks tu cktkj esa ekax rFkk vkiw frZ tS ls vU; la ca f/r rF;ks a dks è;ku esa j[kk x;k gSA

2) fu/kZ fjr va 'knku ;ks tuk cS a d dh Hkfo"; fuf/ ;ks tuk gs rq #i;s 7-25 djks M+ dh jkf'k dks O;; ds :i esa ykHk ,oa gkfu [kkrs ds 'kh"kZ d ^deZ pkfj;ks a dks Hkq xrku vkS j muds fy, iz ko/ku* es a lfEefyr dj vfHkKkfur fd;k x;k gSA

3) nh?kZ dkfyd deZ pkjh ykHk o"kZ 2008&2009 ds nkS jku vfHkKkfur ,oa iz ko/kfur nh?kZ dkfyd deZ pkjh ykHkks a dk fooj.k fuEufyf[kr gS a %&

(djks M+ #i;ka s es a )

Ø-la - nh?kZ dkfyd deZ pkjh 01-04-2008 pkyw o"kZ dh 31-03-2009 ykHkks a dk fooj.k dks vFk 'ks "k ns ;rk;s a dk vfr 'ks "k

1- vodk'k udnhdj.k 119.31 6.78 126.09

2- vodk'k fdjk;k fj;k;r 11.30 1.72 13.02

3- flYoj tqcyh izko/ku 2.28 0.00 2.28

4- :X.k vodk'k 9.52 1.54 11.06

5- iquZLFkkiuk O;; 1.01 0.88 1.89 tks M+ 143.42 10.92 154.34

24- ys [kk ekud & 17 % [ka Mokj iz fros nu Hkkjrh; fj”koZ cS a d ds i=k la- chihchlh 81@21-04-018@2006&07 fnuka d 18 viz S y] 2007 ds vuq lkj cS a d us fuEufyf[kr [k.Mks a dh

iz kFkfed@O;olk; [k.M ds :i es a igpku dh gS

(v) dks "k ifjpkyu (c) dEiuh@Fkksd cS a fda x (l) [kq njk cS a fda x

va rj&[ka M vUrj.k dk ew Y;u

dEiuh@Fkks d cS a fda x ,oa [kq njk cS a fda x ifjpkyu lz ks r tq Vkus okyh iz eq [k bdkbZ gSA dks "k [k.M dks vU; nks cS a fda x [k.Mks a ls fuf/ ,s ls ew Y; ij feyrh gS] ftls vU; cS a fda x ifjpkyu dh tekvks a dh ykxr ,oa fuf/ ,d=k djus ij gq , ifjpkyu O;; dks tks M+ dj fudkyk tkrk gSA

vk; ,oa O;; ,oa vkfLr;ks a @nkf;Roks a dk vkoa Vu

(v) fof'k"V [k.M ls lh/s vk; ,oa O;;ks a ,oa vkfLr;ks a @nkf;Roks a dks lEcfU/r [k.M dks vkoafVr fd;k tkrk gSA

(c) [k.Mksa ls lh/s la ca f/r uk gks us okyh enksa dks [kq njk ,oa Fkks d [k.M dks fd;s x;s O;olk;@deZ pkfj;ks a dh la[;k ds ewY;kuq ikr@ lh/s vk; ls la ca f/r ew Y;kuq ikr esa vkoafVr fd;k tkrk gSA

cS a d ds ikl vfo'ks "k lEifÙk;ka @nkf;Ro ,oa vk;@O;; gS ftUgs a fdlh fo'ks "k [k.M ls la ca f/r ugha fd;k tk ldrk gS vr% mUgs a xS j vkoa fVr es a n'kkZ ;k gSA



f) Principal actuarial assumptions:-

Particulars Defined Benefit Gratuity(%)Pension Plans (%)

Discount Rate as at 01.04.2008 8.00 8.00

Expected Rate of return on Plan Asset as at 01.04.08 8.00 8.00

Salary Escalation as at 01.04.2008 4.00 4.00

Discount Rate as at 31.03.2009 7.50 7.50

Expected Rate of return on Plan Asset as at 31.03.2009 8.00 8.00

Salary Escalation as at 31.03.2009 4.00 4.00

g) The estimates of future salary increase (4%), considered in actuarial valuation , take account of inflation, seniority,promotion and other relevant factors such as supply and demand in the employment market.

2) Defined Contribution Plan:

An Amount of Rs.7.25 crores is recognised as an expense towards the Provident Fund scheme of the Bank includedunder the head ‘Payments to and provisions for employees’ in profit and loss account.

3) Long term Employee Benefits:

Details of long-term employee benefits that are recognised and provided during the year 2008-09 are as under :-

(Rs. in crore)

S.No Details of Long Term Opening Balance Current Year Closing BalanceEmployee Benefits As On 01.04.2008 Liability 31.03.2009

1. Leave Encashment 119.31 6.78 126.09

2. L F C 11.30 1.72 13.02

3. Silver Jubilee Provision 2.28 0.00 2.28

4. Sick Leave 9.52 1.54 11.06

5.. Resettlement Expenses 1.01 0.88 1.89

Total 143.42 10.92 154.34

24. AS-17 : Segmental Reporting

In terms of RBI Cir. No. BP.BC.81/21.04.018/2006-07 dated 18th April 2007, the Bank has identified following segmentsas Primary/Business Segment :

(a) Treasury Operations

(b) Corporate/Wholesale Banking

(c) Retail Banking.

Pricing of Inter-segmental transfers:

The Corporate/wholesale Banking and Retail Banking Operations are the primary resource mobilising unit. The treasurysegment receives funds from the other two Banking Operations unit at a cost, which is computed on cost of depositsof Other Banking Operations plus operating expense incurred for mobilizing funds.

Allocation of Income and Expenses and Assets/Liabilities:

a) Income and Expenses and Assets/Liabilities directly attributed to particular segment are allocated to the relativesegment.

b) Items that are not directly attributable to segments are allocated to retail and wholesale segments in proportionto the business managed/ratio of number of employees/ratio of directly attributable income.

The bank has certain common assets/liabilities and income/expense that cannot be attributed to any particularsegment and hence the same are treated as unallocated.



PART – A: BUSINESS SEGMENTS

(Rs. in crore)

Particulars BUSINESS SEGMENTS TOTAL

Treasury Corporate/ Retail Current PreviousWholesale Banking Banking Year Year

Current Prev. Current Prev. Current Prev. Year Year Year Year Year Year

Revenue 873.26 789.45 1820.43 1388.13 2647.33 2193.85 5341.02 4371.43

Result (-)261.05 (-)105.66 432.13 264.01 628.41 417.30 799.49 575.65

Unallocated Expenses xxx xxx xxx xxx xxx xxx 146.92 112.12

Operating Profit (Profit before tax) xxx xxx xxx xxx xxx xxx 652.57 463.53

Provision for Taxes xxx xxx xxx xxx xxx xxx 249.12 148.53

Extra-ordinary profit/loss xxx xxx xxx xxx xxx xxx 0.00 0.00

Net Profit xxx xxx xxx xxx xxx xxx 403.45 315.00

Segment Assets 13492.11 12920.63 18587.04 15001.14 14209.50 13106.32 46288.65 41028.09

Unallocated Assets xxx xxx xxx xxx xxx xxx 81.55 125.91

Total Assets xxx xxx xxx xxx xxx xxx 46370.20 41154.00

Segment Liabilities 13581.40 12946.29 16446.06 13226.96 12572.74 11556.24 42600.20 37729.49

Unallocated Liabilities xxx xxx xxx xxx xxx xxx 1723.53 1711.30

Total Liabilities xxx xxx xxx xxx xxx xxx 44323.73 39440.79

PART B: GEOGRAPHIC SEGMENT

The entire Indian Operations are being treated as a single reportable segment and hence secondary / geographic segmentis not considered necessary.

25. AS-18 : Related party disclosures

As per para 9 of the Accounting Standard 18 issued by the ICAI on “Related party disclosures” the Bank, being a statecontrolled enterprise is not required to make disclosures of related party relationships with other state controlled enterprisesand transactions with such enterprises. However, the Bank has considered the following as related parties for the purposeof disclosure under AS-18 issued by the ICAI:

(i) All whole time Directors on the Board including Managing Director (excluding Nominee Director).

S. Name & designation Remuneration paid Amounts due to the bankNo. during the year as at 31.03.2009

1. Shri Arun Shandilya Salary & Allow. : Rs.9.29 lacs NilManaging Director

(ii) Relatives of the Directors referred to in item (i) above. NIL

(iii) List of enterprises owned by the Directors referred to in item (i) above. NIL

Further in terms of the paragraph 5 of AS 18, transactions in the nature of banker-customer relationship are not requiredto be disclosed. The non banking transactions with the aforesaid parties are, as under:



lEcfU/r i{k dk uke lEcfU/r i{k dk fooj.k ys uns u

dq N ugha dq N ugha dq N ugha

26- ys [kk ekud&20 % iz fr 'ks ;j vtZ u

fooj.k pkyw o"kZ fiNyk o"kZ ew y vtZ u iz fr 'ks ;j (#i;s es a ) 80.69 63.00

vofefJr vtZu izfr 'ks;j (#i;s esa) 80.69 63.00

ew y vtZ u iz fr 'ks ;j dh x.kuk lerk 'ks ;j/kjdks a ds fy, miyC/ dj ds i'pkr~ 'kq ¼ ykHk (#i;s yk[kks a esa ) 4,03,45 3,15,00

lerk 'ks ;jks a dh Hkkfjr vkS lr la [;k 50,00,00,00 50,00,00,00

ew y vtZ u iz fr 'ks ;j (#i;s es a ) 80.69 63.00

iz fr 'ks ;j va fdr ew Y; (#i;s es a ) 10.00 10.00

27- ys [kk ekud 22 & vkLFkfxr dj

cS a d us vkfLr;ksa ,oa ns ;rkvks a ds ogu ew Y; ,oa muds Øe'k% dj vk/kj ds chp mRiÂ vLFkkbZ foHks nksa ds dkj.k Hkfo"; ds dj ifj.kkeks a ds fy, vkLFkfxr dj vkfLr;ks a @ns ;rkvks a dk vfHkKku fd;k x;k gSA vkLFkfxr dj vkfLr dh igpku foospuk lfgr lks p&le> dj rFkk iz ca /u ds bl fu.kZ ; ds vuq lkj dh xbZ gS fd vkLFkfxr dj vkfLr;ks a dh olw yh ds fo:¼ i;kZ Ir dj ;ks X; vk; Hkfo"; es a miyC/ gks xhAvkLFkfxr dj vkfLr;ks a @vkLFkfxr dj ns ;rkvks a dk ekiu dj njks a ,oa dj fu;eks a ds vk/kj ij fd;k x;k gS ] tks vf/fu;fer gS vFkok lkjHkw r

:i ls rqyu&i=k fnuka d ij vf/fu;fer gSA

31-03-2009 dks vkfLFkfxr dj vkfLr@nkf;Ro es a 'kkfey ?kVd fuEukuq lkj gS% (djks M+ #i;ks a es a )

fooj.k orZ eku o"kZ fiNyk o"kZ

vkLFkfxr dj vkfLr Mw cr ,oa lafnX/ ½.kks a ds fy, iz ko/ku — -22.65

vU; izko/ku 13.67 8.59

lsok fuofÙk gsrq izko/ku 35.38 33.08

osru cdk;k gsrq izko/ku 24.27 7.14

vU; deZpkjh ykHkksa gsrq izko/ku 2.43 1.02

ys [kk ekud & 15 (la 'kks f/r 2005) dks ykxw djus ls mRiÂ laØe.k dkyhu nkf;Roksa ls cuh vkLFkfxr dj vkfLr;ka 65.37 83.18

;ksx 141.12 110.36

vkLFkfxr dj nkf;Ro mifpr] ysfdu vns; C;kt 98.36 85.08

fLFkj vkfLr;ksa ij ewY;ßkl 0.20 -2.77 ;ksx 98.56 82.31

'kq ¼ vkLFkfxr dj vkfLr 42.56 28.05

28- ys [kk ekud & 26 % vew rZ vkfLr;k¡ lkW ÝVos ;j] tks gkMZ os ;j dk vfoHkkT; Hkkx gS] ij 60» dh nj ls (?kVrh gq bZ ew Y; i¼fr ds vk/kj ij) rFkk vU; lkW ÝVos ;j ij 100» dh nj ls ew Y;ßkflr djus dh orZ eku i¼fr dk ,d:i ls ikyu fd;k tk jgk gS] tks fd Hkkjrh; lunh ys [kkdj la LFkku ds ys [kk ekud 26 ds vuq :i gSA

29- ys [kk ekud & 28 % vkfLr;ks a es a {kj.k iz ca/u ds fopkj es a cS a d dh fdlh vkfLr es a {kj.k ugha gq vk gS ftl ij ys [kkekud 28 ^^vkfLr;ks a dh {kj.k** ykxw gks rk gSA



NAME OF THE TRANSACTING DESCRIPTION OF THE TRANSACTIONSRELATED PARTY RELATED PARTY

NIL NIL NIL

26. AS-20 : Earnings per Share

Particulars Current Year Previous Year

Basic EPS (in Rs.) 80.69 63.00

Diluted EPS (in Rs.) 80.69 63.00

Calculation of Basic EPS

Net Profit after Tax available for Equity share holders (Rs. in lacs) 4,03,45 3,15,00

Weighted average number of equity shares 50,00,0000 50,00,0000

Basic earnings per share (in Rs.) 80.69 63.00

Nominal Value per share (in Rs.) 10.00 10.00

27. AS-22: Deferred Taxes

The Bank recognises the deferred tax assets/liabilities (DTA/DTL) for future tax consequences for temporary differencesarising between the carrying value of assets and liabilities and their respective tax bases. DTA is recognized on thebasis of management’s judgement that sufficient future taxable income will be available against which deferred taxassets can be realized. After giving due consideration to prudence, DTA/DTL are measured using the tax rates andthe tax laws that have been enacted or substantively enacted by the Balance Sheet date.

The components of deferred tax asset/liability as on 31.03.2009 are as under:(Rs. in crore)


Deferred Tax Assets

Provision for Bad & Doubtful debts — -22.65

Other Provisions 13.67 8.59Provision for Retirement Benefits 35.38 33.08

Provision for Wage Arrear 24.27 7.14

Provision for other staff benefits 2.43 1.02

DTA created out of transitional liabilities arising due toimplementation of AS-15 (Revised 2005) 65.37 83.18

Total 141.12 110.36

Deferred Tax Liabilities

Interest accrued but not due 98.36 85.08

Depreciation on Fixed Assets 0.20 -2.77

Total 98.56 82.31

Net Deferred Tax Asset 42.56 28.05

28. AS-26: Intangible Assets

The present practice of depreciating software which forms integral part of hardware @ 60% (on WDV basis) anddepreciating other software @ 100% consistently followed by the Bank is in line with AS-26 issued by ICAI.

29. AS-28: Impairment of Assets

In the opinion of Bank’s Management, there is no impairment to the Assets during the year to which AccountingStandard 28 – “Impairment of Assets” applies.



30- ys [kk ekud &29 % iz ko/ku] lekfJr nkf;Ro ,oa lekfJr vkfLr;ks a dk fooj.k (d) lekfJr nkf;Roks a ds gs rq cuk, iz ko/ku dk la pyu

(djks M+ :i;ks a es a )

fooj.k orZ eku o"kZ fiNyk o"kZ

vFk 'ks "k 43.71 18.88

o"kZ ds nkS jku miyC/ djkbZ xbZ jkf'k;k¡ 51.81 26.04

o"kZ ds nkS jku iz ;ksx dh xbZ jkf'k;k¡ 0.56 0.00

o"kZ ds nkS jku iz R;korZ u 0.89 1.21

bfr 'ks "k 94.07 43.71

([k) vuq lw ph 12 ds va rxZr lekfJr nkf;Ro

n'kkZ ;s x, nkf;Ro U;k;ky;@ia pfu.kZ ;@U;k;ky; ds ckgj le>kS rk] vihyks a ds fuLrkj.k] ek¡ xh xbZ jkf'k] la fonkxr ckè;rkvks a] lEcf/r i{kdkjks a }kjk dh xbZ ek¡ x ,oa iz xfr ij vk/kfjr gSA

31- 31 ekpZ] 2009 dks lekIr o"kZ ds fy, udnh iz okg fooj.k (*000 dks Nks M+ fn;k x;k gS)

orZ eku o"kZ fiNyk o"kZ

d- ifjpkyu dk;Z dykiks a ls udnh iz okg 218336 (972762)

[k fuos 'k dk;Z dykiks a ls udnh iz okg (516216) (783078)

x foÙkiks "k.k dk;Z dykiksa ls udnh iz okg (1700931) 3797485

udnh ,oa udnh lerq Y; esa fuoy ifjorZ u (1998811) 2041645

?k o"kZ ds vkjEHk es a udnh ,oa udnh lerq Y; 45187340 43145695

M+ o"kZ dh lekfIr ij udnh ,oa udnh lerq Y; (d$[k$x$?k) 43188529 45187340

d- ifjpkyu dk;Z dykiks a ls udnh iz okg dj iw oZ fuoy ykHk 6525764 4635351

lek;ks tu %

ew Y;ßkl izHkkj 409614 597906

lafnX/ ,oa Mw cr ½.kks a ds fy, iz ko/ku (pyu iz ko/ku lfgr) 688126 1174167

ekud vkfLr;ks a ds fy, iz ko/ku 130000 290000

fuos 'kks a ij ewY;ßkl@ifj'kks/u 881420 247786

iV~ Vk lekuhdj.k 0 0

vodk'k udnhdj.k ds fy, iz ko/ku 67800 138600

cksul o vU; deZ pkjh ykHkks a ds fy, iz ko/ku 51400 36700

os ru cdk;k dk iz ko/ku 504000 210000

vU; iz ko/ku 199060 54546

9457184 7385056

?kVk;k&iz R;{k dj 3080077 3131312 mi&;ks x 6377107 4253744

lek;ks tu % tek jkf'k;ks a es a o` f¼@ (deh) 51159872 56279398

m/kj jkf'k;ks a es a o` f¼@ (deh) (2838918) (972316)

fuos 'kks a esa (o` f¼)@ deh (5885755) (17877880)

vfxz eks a es a (o` f¼)@ deh (48435789) (46671394)

vU; ns ;rkvks a es a o` f¼@ (deh) 1732883 4148122

vU; vkfLr;ks a es a (o` f¼)@ deh (1891064) (132436)

ifjpkyu dk;Z dykiks a }kjk iz nÙk fuoy udnh 218336 (972762)



30. AS-29: Statement of Provisions, Contingent liability & Contingent Assets

a) Movement of provisions for contingent liabilities(Rs. in crore)


Opening Balance 43.71 18.88

Provided during the year 51.81 26.04 Amount used during the year 0.56 0.00

Reversed during the year 0.89 1.21

Closing Balance 94.07 43.71

b) Under Schedule 12 on Contingent Liabilities

Such liabilities are dependent upon the outcome of Court/arbitration/out of Court settlement, disposal of appeals, theamount being called up, terms of contractual obligations, development and raising of demand by concerned parties.

31. Statement of cash flow for the year ended 31st March 2009(‘000 omitted)

Current Year Previous Year

A. CASH FLOW FROM OPERATING ACTIVITIES 218336 (972762)

B. CASH FLOW FROM INVESTING ACTIVITIES (516216) (783078)

C. CASH FLOW FROM FINANCING ACTIVITIES (1700931) 3797485

NET CHANGE IN CASH AND CASH EQUIVALENTS (1998811) 2041645

D. CASH AND CASH EQUIVALENTS

AT THE BEGINNING OF THE YEAR 45187340 43145695

E. CASH AND CASH EQUIVALENTS

AT THE END OF THE YEAR (A+B+C+D) 43188529 45187340

A. CASH FLOW FROM OPERATING ACTIVITIES

Net Profit before taxes 6525764 4635351 Adjustment for :

Depreciation Charges 409614 597906

Provision for Bad & Doubtful Debts

(including floating provisions) 688126 1174167

Provision for Standard Assets 130000 290000

Depreciation /Amortisation for Investments 881420 247786

Lease Equalistion 0 0

Provision for Leave Encashment 67800 138600

Provision for bonus and Other staff benefits 51400 36700

Provision for wage arrears 504000 210000

Other Provisions 199060 54546

9457184 7385056

Less: Direct Taxes 3080077 3131312

SUB- TOTAL 6377107 4253744

ADJUSTMENT FOR:

Increase/(Decrease) in Deposits 51159872 56279398

Increase/(Decrease) in Borrowings (2838918) (972316)

(Increase)/Decrease in Investments (5885755) (17877880)

(Increase)/Decrease in Advances (48435789) (46671394)

Increase/(Decrease) in Other Liabilities 1732883 4148122

(Increase)/Decrease in Other Assets (1891064) (132436)

NET CASH PROVIDED BY OPERATING ACTIVITIES 218336 (972762)



orZ eku o"kZ fiNyk o"kZ

[k- fuos 'k dk;Z dykiks a ls udnh iz okg

fLFkj vkfLr;ks a es a (o` f¼)@ deh (516216) (783078)

fuos 'k dk;Z dykiks a ls fuoy udnh (516216) (783078)

x- foÙkiks "k.k dk;Z dykiks a ls udnh iz okg la nÙk ykHkka 'k (579707) (535501)

v/huLFk ca /i=kks a ij C;kt (1121224) (667014)

v/huLFk ca /i=kks a dk fuxZ e 0 5000000

foÙkiks"k.k dk;Z dykiks a }kjk iz nÙk fuoy udnh (1700931) 3797485

?k- o"kZ ds vkjEHk es a udnh ,oa udnh lerq Y; gkFk udnh (bles a fons 'kh djs a lh uks V rFkk lks uk lfEefyr gS) 813248 622329

Hkkjrh; fj”koZ cSa d ea s 'ks "k 38269747 35911675

cS a dks a es a 'ks "k rFkk eka x ij ,oa vYi lwpuk ij iz kI; /u 6104345 45187340 6611691 43145695

M- o"kZ ds va r es a udnh ,oa udnh lerq Y;

gkFk udnh (bles a fons'kh djs a lh uks V rFkk lks uk lfEefyr gS) 2039439 813248

Hkkjrh; fj”koZ Z cSa d es a 'ks "k 33942225 38269747

cS a dks a es a 'ks "k rFkk eka x ij ,oa vYi lwpuk ij iz kI; /u 7206865 43188529 6104345 45187340

32- fiNys o"kZ ds vka dM+ ks a dks pkyw o"kZ ds vka dM+ ks a ds lkFk rq yuh; cukus ds fy,] tgka Hkh vko';d gS] iq ulZ ew fgr ,oa iq uoZ xhd` r fd;k x;k gSA


vks-ih- HkV~V vè;{k

thcu xks Lokeh jes 'k pUæ

lqiz rhd pW VthZ eq [; egkiz cU/d

lq /hj nq cs egkiz cU/d (dks "k)

,l- ,- fFkEeS ;k la tho vxz oky

jru dq ekj :a xVk vejhd fla g

fdj.k vkj- fla g miegkizcU/d (foÙk ,oa ys [kk)

v'kks d dqekj 'kq Dyk

blh fnuka d dh gekjh vyx fjiks VZ ds vuq lkj

okLrs ch-,y- vtes jk ,.M da - okLrs vks-ih- ckxyk ,.M da - okLrs ,fy;kl tkW tZ ,.M da - okLrs lh-vkj-es grk ,.M da - okLrs s O;kl ,.M O;kl lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj la tho ekFkq j vks-ih- ckxyk FkkW elu FkkWel lh-vkj- es grk lh-ih- diw j ( l-l- 75325) ( l-l- 08858) ( l-l- 25567) ( l-l- 10988) ( l-l-71275)

lk>s nkj lk>s nkj lk>s nkj lk>s nkj lk>s nkj

eq EcbZ ] viz S y 23] 2009

funs 'kd



Current Year Previous Year

B. CASH FLOW FROM INVESTING ACTIVITIES

(Increase)/Decrease in Fixed Assets (516216) (783078)

NET CASH FROM INVESTING ACTIVITIES (516216) (783078)

C. CASH FLOW FROM FINANCING ACTIVITIES

Dividend Paid (579707) (535501)

Interest on Subordinated Bonds (1121224) (667014)

Issue of Subordinated Bonds 0 5000000

NET CASH FROM FINANCING ACTIVITIES (1700931) 3797485

D. CASH AND CASH EQUIVALENTSAT THE BEGINNING OF THE YEAR

Cash in hand (including foreign currency notes and gold) 813248 622329

Balances with Reserve Bank of India 38269747 35911675

Balances with Banks and Money at Call and Short Notice 6104345 45187340 6611691 43145695

E. CASH AND CASH EQUIVALENTAT THE END OF THE YEAR

Cash in hand (including foreign currency notes and gold) 2039439 813248

Balances with Reserve Bank of India 33942225 38269747

Balances with Banks and Money at Call and Short Notice 7206865 43188529 6104345 45187340

32. Previous year’s figures have been regrouped and reclassified wherever necessary to make these comparablewith the current year’s figures.


O.P. BHATTChairman

JIBAN GOSWAMI RAMESH CHANDER


SUDHIR DUBEY General Manager

(Treasury)

S.A. THIMMIAH SANJIV AGARWAL

RATAN KUMAR ROONGTA AMRIK SINGH


ASHOK KUMAR SHUKLA

As per our separate report of even date

For B.L. AJMERA & CO. For O.P. BAGLA & CO. For ELIAS GEORGE & CO. For C.R. MEHTA & CO. For VYAS & VYASChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants



MUMBAI, April 23, 2009

Directors



ys [kk ijh{kdks a dk iz fros nu Hkkjrh; LVs V cS a a d

ge] Hkkjrh; LVs V cS d (leuq "ka xh cS a d) vf/fu;e] 1959 dh /kjk 41(1) ds rgr fu;q Dr v/ks gLrk{kjdrkZ va ds{kd] LVs V cS a d vkW iQ chdkus j ,.M t;iq j ds 31 ekpZ ] 2009 ds rq yu&i=k ,oa blh frfFk dks lekIr o"kZ ds ykHk&gkfu [kkrs vkS j udnh iz okg fooj.k dk iz fros nu iz Lrq r djrs gS aA

1- geus LVs V cS a d vkW iQ chdkus j ,.M t;iq j dh 31 ekpZ ] 2009 ds la yXu rqyu&i=k ,oa blh frfFk dks lekIr o"kZ ds fy, ykHk&gkfu [kkrs rFkk cS d dk udnh iz okg fooj.k] tks ;gk¡ layXu gS vkS j ftues a gekjs }kjk va ds f{kr 20 'kk[kkvks a ,oa 25 dk;kZ y;ks a dh foojf.k;k¡ ] 798 'kk[kkvks a ,oa 11 dk;kZ y;ks a dh 'kk[kk va ds{kdks a }kjk va ds f{kr ,oa 77 'kk[kkvks a ,oa dk;kZ y;ks a ls lEc¼ vuva ds f{kr foojf.k;k¡ 'kkfey gS a ] dh ys [kk ijh{kk dh gSA bu vuva ds f{kr 'kk[kkvks a es a vfxz eks a dk 0-79»] fu{ks i dk 0-16»] C;kt ls vk; dk 0-18» o O;; fd;s x;s C;kt dk 0-54» ys [kka du gS A gekjs }kjk ,oa vU; va ds{kdks a }kjk va ds f{kr 'kk[kkvks a dk p;u] cS a d }kjk] Hkkjrh; fjtoZ cS a d }kjk fuxZ fer fn'kk&funs Z 'kks a ds vuq :i fd;k x;k gSA foÙkh; foojf.k;ks a dk mÙkjnkf;Ro cS a d çcU/u dk gSA gekjk mÙkjnkf;Ro bu foÙkh; fooj.kks a ij gekjs va ds{k.k dsvk/kj ij jk; iz Lrqr djuk gSA

2- geus gekjk va ds{k.k Hkkjr es a lkekU;r% LohÑr va ds{k.k ekudks a ds vuq lkj fd;k gSA mDr ekudks a dh vko';drk gS fd ge va ds{k.k dh ;ks tuk ,oa fØ;kUo;u bl iz dkj lq fuf'pr djs a fd foÙkh; fooj.k vk/kjHkw r feF;kdFku ls eqDr gks a A ys [kk ijh{kk es a foÙkh; fooj.kks a ds

iz dVhdj.k rFkk jkf'k;ks a ds vk/kj ij rF;ks a dh ijh{k.k tk¡ p 'kkfey gSA iz ;q Dr ys [kkadu fl¼kUrks a ,oa iz ca /u }kjk fd;s x;s vFkZ iw .kZ vuq ekuks a ds lkFk&lkFk iz Lrq r lEiw .kZ foÙkh; fooj.kks a dk ew Y;ka du Hkh ys [kk ijh{kk esa 'kkfey gSA ges a fo'okl gS fd gekjs }kjk dh xbZ ys[kk ijh{kk gekjh jk; ds fy, ;qfDrla xr vk/kj iz nku djrh gSA

3- rq yu&i=k ,oa ykHk&gkfu [kkrs cS addkjh fofu;eu vf/fu;e] 1949 dh r rh; vuq lw ph es a fn;s x;s iz i=k Øe'k% v* ,oa ^c* ds vuq lkj cuk;s x;s gS a ,oa ;s Hkkjrh; LVs V cS a d (leuq "ka xh cS a d) vf/fu;e] 1959 ,oa blds va rZ xr cuk;s x;s fofu;eu ds iz ko/ku ds vuq lkj oka fNr lw puk iz dV djrs gS a A

4- mQij iS jk&1 es a iz nf'kZ r ys [kk ijh{k.k dh lhekvks a ,oa Hkkjrh; LVs V cS a d (leuq a "kxh cS a d) vf/fu;e 1959 dh vko';drk rFkk bles a mYys f[kr fofu;eu ,oa iz dVhdj.k dh vko';drk dh lhekvks a dks ns [krs gq , ge fuEukuq lkj iz fros nu djrs gS a%&

v) geus ,s lh lHkh lw puk,¡ ,oa Li"Vhdj.k tks gekjh loks Z Ùke tkudkjh ,oa fo'okl ds vuq lkj gekjs va ds{k.k ds mís '; ls vko';d Fkh]

iz kIr dh ,oa geus mUgs a la rks "ktud ik;kA c) cS a d ds tks Hkh la O;ogkj gekjh tkudkjh es a vk;s gS a ] os cS a d ds vf/dkj {ks =k es a jgs gS a sA

l) cS a d dh 'kk[kkvks a ,oa dk;kZ y;ks a ls iz kIr foojf.k;k¡ ] gekjs va ds{k.k iz ;ks tu ds fy, lkekU;r% i;kZ Ir ik;h x;h gSA

5- gekjh jk; ea s] rq yu&i=k] ykHk&gkfu [kkrk ,oa udnh iz okg fooj.k ykxw ys [kk ekud dh vuq ikyuk es a gSA

6- cS a d dh cfg;ks a ea s n'kkZ ;s x;s rFkk gesa iz nÙk Li"Vhdj.kks a ,oa gekjh loks Z Ùke tkudkjh ds vuq lkj gekjh jk; esa %&

i) iz eq [k ys [kk uhfr;ks a rFkk fVIif.k;ka s ds lkFk i<+ s tkus ij ;g rq yu&i=k leLr vko';d fooj.kka s lfgr iw .kZ ,oa fu"i{k rq yu&i=k gSAvkS j bls 31 ekpZ ] 2009 dks cS a d dk;ks Z a dh okLrfod ,oa fu"i{k fLFkfr iz nf'kZ r djus fy, leq fpr :i ls rS ;kj fd;k x;k gS ,oa Hkkjr

es a lkekU;r% Lohd r ys [kk fl¼kUrks a ds vuq :i gSA

ii) ykHk&gkfu [kkrk ftls iz eq [k ys [kk uhfr;ks a ,oa mudh fVIif.k;ks a ds lkFk i<+k tk;s] tks o"kZ lekfIr dh frfFk ij Hkkjr es a lkekU;r% Lohd r ys[kk fl¼kUrks a ds vuq:i ;FkkFkZ 'ks "k ykHk n'kkZ rk gSA

iii) o"kZ lekfIr frfFk dks udnh iz okg fooj.k] udnh çokg dh okLrfod ,oa fu"i{k fLFkfr iz nf'kZ r djrk gSA

okLrs ch-,y- vtes jk ,.M da- okLrs vks-ih- ckxyk ,.M da- okLrs ,fy;kl tkW tZ ,.M da - okLrs s lh-vkj-es grk ,.M da - okLrs s O;kl ,.M O;kl lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj lunh ys [kkdkj

la tho ekFkq j vks-ih- ckxyk FkkW elu FkkW el lh-vkj- es grk lh-ih- diw j ( l-l- 75325) ( l-l- 08858) ( l-l- 25567) ( l-l- 10988) ( l-l-71275)

lk>snkj lk>s nkj lk>s nkj lk>s nkj lk>s nkj

eq EcbZ viz Sy 23] 2009



AUDITORS’ REPORT

The State Bank of India

We, the undersigned auditors of STATE BANK OF BIKANER AND JAIPUR, appointed under section 41 (1) of the State Bankof India (Subsidiary Banks) Act, 1959, do hereby report on the Balance Sheet as at 31st March, 2009, the Profit and Loss Account and the Cash Flow Statement for the year ended on that date.

1. We have audited the attached Balance Sheet of STATE BANK OF BIKANER AND JAIPUR as at 31st March, 2009, theProfit and Loss Account and the Cash Flow Statement of the Bank for the year ended on that date, annexed thereto,and in which are incorporated the returns of 20 branches and 25 offices audited by us, 798 branches and 11 officesaudited by branch auditors and unaudited returns in respect of 77 branches/offices. These unaudited branches accountfor 0.79 per cent of advances, 0.16 per cent of deposits, 0.18 per cent of interest income and 0.54 per cent of interestexpenses. The branches audited by us and those audited by other auditors have been selected by the Bank, inaccordance with the guidelines issued by the Reserve Bank of India. These Financial Statements are the responsibilityof the Bank’s Management. Our responsibility is to express an opinion based on our audit.

2. We conducted our audit in accordance with the auditing standards generally accepted in India. Those standardsrequire that we plan and perform the audit to obtain reasonable assurance about whether the financial statements arefree of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts anddisclosures in the financial statements. An audit also includes assessing the accounting principles used and significantestimates made by the management, as well as evaluating the overall financial statement presentation. We believe thatour audit provides a reasonable basis for our opinion.

3. The Balance Sheet and the Profit & Loss Account have been drawn up in forms ‘A’ and ‘B’ respectively of the ThirdSchedule to the Banking Regulation Act, 1949, and they give the information as required to be given in accordance withthe provisions of the State Bank of India (Subsidiary Banks) Act, 1959 and regulations made there under.

4. Subject to the limitations of the audit as indicated in para 1 above and as required by the State Bank of India (SubsidiaryBanks) Act, 1959, and regulations mentioned therein and subject also to the limitations of disclosure required therein.We report as under:-

a) We have obtained all the information and explanations (which to the best of our knowledge and belief) werenecessary for the purpose 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.

c) The returns received from the offices and branches of the Bank have generally been found adequate for thepurpose of our audit.

5. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.

6. In our opinion and to the best of our information and according to the explanations given to us and as shown by thebooks of the Bank :-

i. The Balance Sheet read together with the Principal Accounting Policies and Notes thereon, is full and fair BalanceSheet containing all the necessary particulars and is properly drawn up so as to exhibit a true and fair view of thestate of affairs of the Bank as at 31st March, 2009 in conformity with the accounting principles generally acceptedin India.

ii. The Profit and Loss Account read together with the Principal Accounting Policies and Notes thereon shows a truebalance of the profit for the year ended on that date in conformity with the accounting principles generally acceptedin India.

iii. The cash flow statement gives a true and fair view of the cash flows for the year ended on that date.



(SANJEEV MATHUR) (O.P. BAGLA) (THOMSON THOMAS) (C.R. MEHTA) (C.P. KAPOOR)

(M. No.75325) (M. No.08858) (M. No.25567) (M. No.10988) (M. No.71275)PARTNER PARTNER PARTNER PARTNER PARTNER

MUMBAI April 23, 2009



i=kdkj lEes yu es a cS a d dh çcU/ lfefr The Bank's Management Committee at a Press Conference

sbbj annual report 2008-09

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