v/;{k dk lans'k v;k dk lans'k - oriental bank of · pdf file1 oriental bank of...

1

Oriental Bank of Commerce

Annual Report 2012-13

v/;{k dk lans'kChairman's Message

v/;{k dk lans'kChairman's Message

Dear Shareholders,I have great pleasure to welcome all of you to the Nineteenth Annual General Meeting of your Bank and present the Annual Report of your Bank for the period ended March 2013.

GLOBAL ECONOMIC SCENARIOGlobal growth turned weaker in 2012 with slack external demand in advanced economies (AEs), adversely impacting growth in emerging market and developing economies (EMDEs).

The US growth accelerated to 2.5% in Q1 of 2013 from 0.4% in Q4 of 2012. Japan’s GDP remained flat in Q4 of 2012, after two quarters of contraction. The euro area remained in a contraction mode. The UK narrowly avoided further recession in Q1 of 2013 by expanding at 1.2%. Growth in China was around 7.8% in 2012. Brazil and South Africa have shown some improvement in their GDP growth in Q4 of 2012.

The volume of world trade in goods and services expanded 2.5% in 2012 and is likely to expand at a slow pace of 3.6% in 2013.

INDIAN ECONOMIC SCENARIOThe slowdown in the Indian economy persisted, with growth subdued by structural bottlenecks and adverse global conditions.

Macro-financial conditions worsened with slowing growth, widening current account deficit (CAD) and persistence of high consumer price inflation. The CAD/GDP ratio rose to a record high during FY 2012-13. The recent fall in global commodity prices (especially of crude oil and gold) provided some relief.

Average headline inflation declined from 9.6% in 2010-11 to 8.9% in 2011-12 and further to 7.3% in 2012-13, with a low of 6.0% in the month of March 2013.

GDP growth decelerated to around 5.0% in FY 2012-13 from growth level of 6.6% during the previous year. The decline

fIkz¸k ‘ks¸kj/kkjdksa]

vkIkd¢ CkSad dh mUUkhLkOkha Okkf"kZd vkEk CkSBd Eksa EkSa vkIk LkHkh dk gkfnZd LOkkXkRk djRkk gwa vkSj EkkPkZ] 2013 dks LkEkkIRk vOkf/k d¢ fYk, vkIkd¢ CkSad dh Okkf"kZd fjIkksVZ Lkg"kZ IkzLRkqRk djRkk gwa A

OkSf’Okd vkfFkZd Ikfj–’¸k

fOkdfLkRk vFkZO¸kOkLFkkvksa Eksa LkqLRk Ckkgjh EkkaXk Lks 2012 Eksa OkSf'Okd Ok`f) dEkTkksj jgh fTkLkdk mHkjRks gq, CkkTkkj RkFkk fOkdkLk'khYk vFkZO¸kOkLFkkvksa d¢ fOkdkLk Ikj IkzfRkdwYk IkzHkkOk IkM+k A

vEkjhdk dh fOkdkLk nj 2012 dh PkkSFkh fRkEkkgh d¢ 0-4٪ Lks Ck<+dj 2013 dh IkgYkh fRkEkkgh Eksa 2-5٪ gks XkbZA TkkIkkUk dh TkhMhIkh] nks fRkEkkfg¸kksa Eksa LkadqfPkRk jgUks d¢ Ckkn 2012 dh PkkSFkh fRkEkkgh Eksa LkIkkV jghA ¸kwjks {ks«k Eksa LkadqPkUk CkUkk jgkA fCkzVsUk 1-2٪ d¢ fOkLRkkj d¢ LkkFk 2013 dh IkgYkh fRkEkkgh Eksa vkXks vkSj Ekanh Lks CkkYk&CkkYk CkPkkA 2012 Eksa PkhUk dh fOkdkLk nj YkXkHkXk 7-8٪ jghA CkzkTkhYk RkFkk nf{k.k vÝhdk d¢ TkhMhIkh fOkdkLk Eksa 2012 dh PkkSFkh fRkEkkgh Eksa dqN Lkq/kkj vk¸kk A

2012 Eksa fo'o Eksa OkLRkqvksa ,Oka LksOkkvksa d¢ O¸kkIkkj dh Ekk«kk Eksa 2-5٪ dk fOkLRkkj gqvk vkSj Ok"kZ 2013 Eksa bLkEkssa 3-6٪ dk /khEkk fOkLRkkj gksUks dh LkaHkkOkUkk gSA

HkkjRkh¸k vkfFkZd Ikfj–’¸k

LkajPkUkkXkRk Ckk/kkvksa RkFkk IkzfRkdwYk OkSf'Okd n'kkvksa Lks fOkdkLk Eksa fXkjkOkV vkUks d¢ dkj.k HkkjRkh¸k vFkZO¸kOkLFkk Eksa Ekanh dk nkSj CkUkk jgk A

fOkdkLk Eksa dEkh vkUks] PkkYkw [kkRks dk ?kkVk ¼Lkh,Mh½ Ck<+Uks vkSj mIkHkksäk EkwY¸kksa Eksa mPPk Ok`f) CkUks jgUks Lks LkEkf"V&fOkÙkh¸k fLFkfRk¸kka vkSj fCkXkM+ Xkb±A fOkÙkh¸k Ok"kZ 2012&13 dh RkhLkjh fRkEkkgh Eksa Lkh,Mh@TkhMhIkh vUkqIkkRk fjdkWMZ mPPk LRkj Ikj vk Xk¸kkA gkYk gh Eksa oSf'od fTkaLk EkwY¸kksa ¼fo'ks"kdj dPPks RksYk vkSj LkksUks½ Eksa vkbZ dEkh Lks dqN jkgRk fEkYkh A

vkSLkRkUk Ekq[¸k EkqnzkLQhfRk 2010&11 d¢ 9-6٪ Lks dEk gksdj 2011&12 Eksa 8-9٪ vkSj vkXks 2012&13 Eksa 7-3٪ gks XkbZ vkSj EkkPkZ] 2013 Eksa ¸kg 6-0٪ d¢ fUkEUk LRkj Ikj IkgqaPk XkbZ A

fOkÙkh¸k Ok"kZ 2012&13 esa TkhMhIkh Ok`f) fIkNYks Ok"kZZ d¢ 6-6٪ d¢ Ok`f) LRkj

2

vksfj;UVy cSad vkWQ dkWelZ

okf"kZd fjiksVZ 2012&13

in the growth rate was seen in the agriculture and services sectors, while industrial growth remained listless.

Growth in the index of industrial production (IIP) witnessed a slowdown to 1.0% during FY 12-13 compared to 2.9% last year, largely due to infrastructure and input constraints, rising costs and moderation of external demand. Contraction in capital goods and the mining sector continue to affect the overall performance of the industrial sector.

Shortage of power was a major constraining factor for the growth of the industrial sector. Growth in electricity generation declined to 4.0% in 2012-13 from 8.2% in the previous year. Shortages in coal supply, delays in capacity addition and a delayed monsoon have contributed to the slower growth of power generation.

Capital goods output continued to contract, reflecting a subdued investment climate. The slowdown in economic activity and consumption demand has resulted in moderation in the growth of consumer goods.

OUTLOOK FOR 2013-14With global growth unlikely to improve significantly from 2012, growth in services and exports may remain sluggish. Economic activity expected to show only a modest improvement over last year, with a pick-up likely in the second half of the year. Further, with an expected normal monsoon, agriculture growth could return to trend levels. As per RBI estimates, the baseline GDP growth for 2013-14 is projected at 5.7%.

Keeping in view the domestic demand-supply balance, outlook for softening of global commodity prices and the forecast of a normal monsoon, WPI inflation is expected to be around 5.5% during 2013-14 with an endeavour to contain inflation to a level of 5% by March 2014.

Consistent with the above growth projections and the Reserve Bank’s inflation tolerance threshold, M3 growth for 2013-14 is projected at 13.0%. Consequently, aggregate deposits of SCBs are projected to grow by 14.0% and the growth in non-food credit of SCBs is projected to grow at 15.0%.

Though fiscal deficit has been contained at 5.2% of GDP but containing Current Account Deficit (presently at 5.1%) poses a serious challenge as it is well above the sustainable threshold of 2.5%.

While the series of policy measures announced by the Government has boosted market sentiment, the investment outlook remains muted, especially in terms of demand for new projects due to supply bottlenecks.

DEVELOPMENTS IN INDIAN BANKINGBasel III aims to strengthen the stability of the Banking system and the transitional arrangement has come into vogue with effect from 01.04.2013. In the Union Budget for FY 2013-14, the Government has made a commitment to provide adequate capital to PSBs so that all PSBs are BASEL III compliant. Before March 2013, Govt. infused capital of Rs.12,517 crore into 13 PSBs and a further infusion of Rs.14,000 crore has been proposed for FY 2013-14.

Lks ?kVdj YkXkHkXk 5-0٪ gks XkbZ A —f"k RkFkk LksOkk {ks«kksa Eksa fOkdkLk nj Eksa dEkh ns[kh XkbZ TkCkfd vkS|ksfXkd fOkdkLk LkqLRk jgk A

vkS|ksfXkd mRIkknUk LkwPkdkad ¼IIP) Eksa fIkNYks Ok"kZ d¢ 2-9٪ d¢ EkqdkCkYks fOkÙkh¸k Ok"kZZ 2012&13 d¢ nkSjkUk 1-0٪ dh dEkh ns[kh XkbZ] fTkLkdk Ekq[¸k dkj.k CkqfUk¸kknh LkajPkUkkXkRk vkSj fufOkf"VXkRk Ckk/kk,a] Ck<+Rkh gqbZ YkkXkRksa RkFkk Ckkgjh EkkaXk Eksa dEkh gS A IkwaTkhXkRk OkLRkqvksa RkFkk [kUkUk {ks«k Eksa LkadqPkUk vkS|ksfXkd {ks«k d¢ LkEkXkz dk¸kZfUk"IkknUk dks IkzHkkfOkRk djRkk jgk A

fCkTkYkh dh dEkh vkS|ksfXkd {ks«k d¢ fOkdkLk dh Ckk/kk dk Ekq[¸k dkj.k jghA fCkTkYkh mRIkknUk dk fOkdkLk fIkNYks Ok"kZZ d¢ 8-2٪ Lks dEk gksdj 2012&13 Eksa 4-0٪ jg Xk¸kkA dks¸kYkk vkIkwfRkZ Eksa dEkh] {kEkRkk Ok`f) Eksa fOkYkECk vkSj EkkUkLkwUk Eksa nsjh d¢ dkj.k fCkTkYkh mRIkknUk dk fOkdkLk Ekank jgkA

IkwaTkhXkRk OkLRkqvksa dk mRIkknUk LkadqfPkRk CkUkk jgk Tkks fuos'k ifjn`'; Eksa fXkjkOkV dks n'kkZrk gSA vkfFkZd dk¸kZdYkkIk Eksa Ekanh RkFkk mIkHkksXk EkkaXk Eksa dEkh d¢ Ikfj.kkEkRk% mIkHkksäk OkLRkqvksa d¢ fOkdkLk Eksa Ekanh ns[kh XkbZA

Ok”kZ 2013&14 gsRkq HkkOkh Ikfj–’¸k

oSf'od fOkdkLk Eksa 2012 dh fLFkfRk ls EkgROkIkw.kZ Lkq/kkj Uk gksUks dh LkaHkkOkUkk d¢ jgRks gq,] LksOkk Ok fUk¸kkZRk dk fOkdkLk LkqLRk jg LkdRkk gSA vkfFkZd dk¸kZdYkkIk Eksa fIkNYks Ok"kZ d¢ EkqdkCkYks EkkEkwYkh Lkq/kkj vkUks dh vk'kk gS] Ok"kZ dh nwLkjh NEkkgh Eksa dqN Lkq/kkj gks LkdRkk gS A bLkd¢ vYkkOkk EkkUkLkwUk d¢ LkkEkkU¸k jgUks dh vk'kk Lks] —f"k fOkdkLk] IkzOk`fÙk LRkj Ikj OkkIkLk vk LkdRkk gSA HkkjRkh¸k fjTkOkZ CkSad d¢ IkzkDdYkUk d¢ vUkqLkkj 2013&14 d¢ fYk, vk/kkjHkwRk TkhMhIkh fOkdkLk 5-7٪ Ikj jgUks dk IkwOkkZUkqEkkUk gS A

?kjsYkw EkkaXk&vkIkwfRkZ LkaRkqYkUk oSf'od fTkaLk EkwY¸kksa Eksa dEkh vkUks dh LkaHkkOkUkk RkFkk EkkUkLkwUk d¢ LkkEkkU¸k jgUks dh HkfOk"¸kOkk.kh dks /¸kkUk Eksa j[kRks gq, EkkPkZ] 2014 Rkd EkqnzkLQhfRk dks 5٪ d¢ LRkj Rkd fUk¸kaf«kRk j[kUks d¢ Ikz¸kkLk ds lkFk Fkksd EkwY¸k LkwPkdkad EkqnzkLQhfRk d¢] 2013&14 d¢ nkSjkUk YkXkHkXk 5-5٪ jgUks dh vk'kk gS A

fOkdkLk d¢ mä IkwOkkZUkqEkkUk RkFkk HkkjRkh¸k fjTkOkZ CkSad dh EkqnzkLQhfRk U¸kwUkRkEk LkgUk&LkhEkk d¢ vUkq:Ik 2013&14 d¢ fYk, ,Ek&3 Ok`f) nj 13-00٪ Ikj jgUks dk IkwOkkZUkqEkkUk gS A Ikfj.kkEkRk% vUkqLkwfPkRk Okkf.kfT¸kd CkSadksa dh dqYk TkEkkjkf'k;ksa Eksa 14-0٪ dh Ok`f) RkFkk vUkqLkwfPkRk Okkf.kfT¸kd CkSadksa d¢ XkSj&[kk|kUUk _.k Eksa 15-0٪ dh Ok`f) gksUks dk IkwOkkZUkqEkkUk gS A

¸k|fIk jkTkdks"kh¸k ?kkVk] TkhMhIkh d¢ 5-2٪ Rkd fUk¸kaf«kRk fd¸kk Xk¸kk gS fdaRkq PkkYkw [kkRks d¢ ?kkVs ¼bLk LkEk¸k 5-1٪½ dks fUk¸kaf«kRk djUkk ,d XkaHkhj PkqUkkSRkh gS D;ksafd ¸kg 2-5٪ dh /kkj.kh¸k U¸kwUkRkEk LkhEkk Lks dkQh vf/kd gS A

Lkjdkj }kjk ?kksf"kRk fOkfHkUUk UkhfRkXkRk mIkk¸kksa Lks CkkTkkj Eksa mRLkkg dh Ykgj vkbZ] fQj Hkh vkIkwfRkZ dh Ckk/kkvksa d¢ dkj.k fo'ks"kdj UkbZ Ikfj¸kksTkUkk dh EkkaXk d¢ EkÌsUkTk+j fuos'k dh LkaHkkOkUkk dEk jgh A

HkkjRkh¸k CkSafdaXk dh IkzEkq[k ?kVUkk,a

CkkLksYk&III dk Yk{¸k CkSafdaXk Ikz.kkYkh Eksa fLFkjRkk dks EkTkCkwRk CkUkkUkk gS vkSj ¸kg CknYkkOk O¸kOkLFkk 01-04-2013 Lks IkzHkkOkh gSA fOkÙkh¸k Ok"kZ 2013&14 d¢ d¢Unzh¸k CkTkV Eksa Lkjdkj Uks LkkOkZTkfUkd {ks«k d¢ CkSadksa dks Ik¸kkZIRk IkwaTkh mIkYkC/k djkUks dk OkPkUk fn¸kk gS] fTkLkLks LkHkh CkSad CkkLksYk&III vUkqIkkYkd gks Lkd¢aA EkkPkZ] 2013 Lks IkgYks Lkjdkj Uks Lkjdkjh {ks«k d¢ 13 CkSadksa Eksa 12]517 djksM+ :Ik¸ks dh IkwaTkh YkXkkbZ vkSj fOkÙkh¸k Ok"kZ 2013&14 Eksa 14]000 djksM+ :Ik¸ks dh vkSj IkwaTkh YkXkkUks dk IkzLRkkOk gS A

3



Total Bank Deposits of SCBs in FY 2012-13 increased by 14.3% (Y-o-Y) which was less than RBI’s projection of 15.0%. Non-food credit growth dropped to 14.0% which is lower than the indicative projection of 16.0%.

PERFORMANCE HIGHLIGHTS OF THE BANKI have immense pleasure in sharing with you, your Bank’s performance for the year 2012-13:-

� The Total Business Mix of your Bank stood at Rs.3,06,084 crore as on March 31, 2013 as against Rs.2,69,015 crore in the previous year reflecting an increase of Rs.37,069 crore (growth of 13.78%). As at end-March 2013, Deposits and Gross Advances stood at Rs.1,75,898 crore and Rs.1,30,186 crore, thereby registering a growth of 12.78% and 15.16%, respectively.

� The Core Deposits increased to Rs. 1,40,053 crore as on 31st March, 2013 from Rs. 1,12,564 crore as on 31st March, 2012, registering a YoY growth of 24.42%.

� CASA deposits has grown by 14.77% from Rs.37,628 crore as on March 2012 to Rs. 43,184 crore as on March 2013. As on March 2013, CASA deposits was at 24.55% of total deposits.

� The CD ratio of your Bank stood at 74.10% as on March 2013 as against 72.68% as of March 2012. The Advances portfolio of the Bank is well diversified, balanced and the credit needs of productive sectors of the economy have been met.

� The Priority Sector (PS) Advances of your Bank constituted 41.78% of Adjusted Net Bank Credit (ANBC) as against the requirement of 40%. In value terms, PS Advances grew by 15.43% from Rs.40,527 crore as on March 2012 to Rs.46,780 crore as on March 2013.

� Total advances to Agriculture Sector stood at Rs.17,881 crore, out of which advances to Direct Agriculture was Rs.13,866 crore. Total Agriculture Advances grew by 16.03% and Direct Agriculture grew by 16.91%.

� Bank’s exposure to Micro and Small Enterprises (MSE) increased to Rs.20,945 crore from Rs.17,978 crore, thus growing by 16.50% during 2012-13.

� Retail Loans grew by 25.27% to reach Rs.14,530 crore as on 31.03.2013.

� Housing Loan increased to Rs.6,336 crore from Rs.5,290 crore, thus recording a growth of 19.79% during the year 2012-13.

� The Operating Profit of the Bank for FY 2012-13 increased to Rs. 3,691 Crore from Rs. 3,141 crore during FY 2011-12, registering a growth of 17.52%.

� The Net Profit of the Bank for FY 2012-13 increased to Rs. 1,328 crore from the level of Rs. 1,142 crore during FY 2011-12 registering a growth of 16.33%.

� During the FY 2012-13, Net Interest Income (NII) increased to Rs 4,701 crore from the level of Rs.4,216 crore during FY 2011-12.

� The Net worth of the Bank increased to Rs.11,757.11 crore from Rs. 10,538.29 crore during FY 2012-13.

� The Book Value Per Share stood at Rs. 402.97 as on 31st March, 2013 as against Rs. 361.20 as on 31st March, 2012.

fOkÙkh¸k Ok"kZ 2012&13 Eksa vUkqLkwfPkRk Okkf.kfT¸kd CkSadksa dh dqYk CkSad TkEkkjkf'k¸kksa Eksa 14-3٪ ¼Ok"kZZ&nj&Ok"kZZ½ dh Ok`f) gqbZ] tks Hkkjrh; fjt+OkZ CkSad d¢ 15-0٪ d¢ IkwOkkZUkqEkkUk Lks dEk FkhA XkSj&[kk| _.k Ok`f) dEk gksdj 14-0٪ gks XkbZ Tkks 16-0٪ d¢ funsZ'kh IkwOkkZUkqEkkUk Lks dEk gS A

CkSad d¢ dk¸kZfUk”IkknUk dh Ekq[¸k fOk’ks”kRkk,aEkSa Ok"kZ 2012&13 d¢ fYk, vkIkd¢ CkSad d¢ dk¸kZfUk"IkknUk dh fOk’ks”kRkk,a Lkg"kZ IkzLRkqRk djRkk gwa %&�vkIkd¢ CkSsad dk dqYk dkjksCkkj fIkNYks Ok"kZ d¢ 2]69]015 djksM+ :Ik¸ks

ds eqdkcys 31 EkkPkZ] 2013 dks 3]06]084 djksM+ jgk vkSj bLkEksa 37]069 djksM+ :Ik¸ks ¼13-78٪ dh Ok`f)½ dh c<ksrjh gqbZA EkkPkZ] 2013 d¢ vaRk Eksa] TkEkkjkf'k¸kka Ok dqYk vfXkzEk ØzEk'k% 1]75]898 djksM+ :Ik¸ks Ok 1]30]186 djksM+ :Ik¸ks jgs vkSj bUkEksa ØEk'k% 12-78٪ RkFkk 15-16٪ dh Ok`f) nTkZ dh XkbZA

�LFkk¸kh TkEkkjkf'k;ka 31 ekpZ] 2012 dh 1]12]564 djksM+ :Ik¸ks Eksa 24-42٪ dh Ok"kZ&nj&Ok`f) nTkZ djRks gq,] 31 EkkPkZ] 2013 dks 1]40]053 djksM+ :Ik¸ks gks Xkb± A

�dkLkk TkEkkjkf'k;ka EkkPkZ] 2012 dh 37]628 djksM+ :Ik¸ks Eksa 14-77٪ dh Ok`f) d¢ LkkFk EkkPkZ] 2013 dks 43]184 djksM+ :Ik¸ks gks Xkb± A EkkPkZ] 2013 dks dkLkk TkEkk dqYk tekjkf'k;ksa dk 24-55٪ Fkha A

�vkIkd¢ CkSad dk _.k TkEkk vUkqIkkRk EkkPkZ] 2012 d¢ 72-68٪ d¢ EkqdkCkYks EkkPkZ] 2013 dks 74-10٪ jgkA CkSad dk vfXkzEk LkafOkHkkXk Ik¸kkZIRk O¸kkIkd RkFkk LkaRkqfYkRk gS vkSj vFkZO¸kOkLFkk d¢ mRIkknd {ks«kksa dh _.k vko';drkvksa dks Ikwjk djRkk gSA

�vkIkd¢ CkSad d¢ IkzkFkfEkdRkk IkzkIRk {ks«k d¢ vfXkzEk] LkEkk¸kksfTkRk fUkOkYk CkSad _.k ¼,,UkCkhlh½ d¢ 40٪ d¢ fUk/kkZfjRk IkzfRkEkkUk d¢ EkqdkCkYks 41-78٪ jgs A EkwY¸k d¢ vUkqLkkj IkzkFkfEkdRkk IkzkIRk {ks«k vfXkzEkksa Eksa ¼15-43٪ dh Ok`f)½ gqbZ vkSj ¸ks EkkPkZ] 2012 d¢ 40]527 djksM+ :Ik¸ks Lks Ck<+dj EkkPkZ] 2013 dks 46]780 djksM+ :Ik¸ks gks Xk,A

�—f"k {ks«k d¢ dqYk vfXkzEk 17]881 djksM+ :Ik¸ks jgs fTkUkEksa Lks IkzR¸k{k —f"k d¢ vfXkzEk 13]866 djksM+ :Ik¸ks FksA dqYk —f"k vfXkzEkksa Eksa 16-03٪ dh Ok`f) gqbZ vkSj IkzR¸k{k —f"k Eksa 16-91٪ dh Ok`f) gqbZ A

�Lkw{Ek ,Oka Yk?kq m|Ek ¼,Ek,LkbZ½ Eksa CkSad dk ,DlIkksTkj 17]978 djksM+ :Ik¸ks Lks Ck<+dj 20]945 djksM+ :Ik¸ks gks Xk¸kk vkSj bLkEksa 2012&13 d¢ nkSjkUk 16-50٪ dh Ok`f) gqbZ A

�31-03-2013 dks fjVsYk _.k 25-27٪ dh Ok`f) d¢ LkkFk 14]530 djksM+ :Ik¸ks gks Xk, A

�vkOkkLk _.k 5]290 djksM+ :Ik¸ks Lks Ck<+dj 6]336 djksM+ :Ik¸ks gks Xk, vkSj bLkEksa Ok"kZ 2012&13 d¢ nkSjkUk 19-79٪ dh Ok`f) fjdkWMZ dh XkbZA

�fOkÙkh¸k Ok"kZZ 2012&13 d¢ fYk, CkSad dk IkfjPkkYkUk YkkHk fOkÙkh¸k Ok"kZZ 2011&12 d¢ 3]141 djksM+ Eksa 17-52٪ dh Ok`f) nTkZ djRks gq, 3]691 djksM+ :Ik¸ks gks Xk¸kk A

�fOkÙkh¸k Ok"kZZ 2012&13 d¢ fYk, CkSad dk fUkOkYk YkkHk] fOkÙkh¸k Ok"kZZ 2011&12 d¢ 1]142 djksM+ :Ik¸ks Eksa 16-33٪ dh Ok`f) nTkZ djRks gq, 1]328 djksM+ :Ik¸ks gks Xk¸kk A

� fOkÙkh¸k Ok"kZZ 2012&13 d¢ nkSjkUk fUkOkYk C¸kkTk vk¸k ¼,UkvkbZvkbZ½ fOkÙkh¸k Ok"kZ 2011&12 d¢ 4]216 djksM+ :Ik¸ks d¢ LRkj Lks Ck<+dj 4]701 djksM+ :Ik¸ks gks XkbZ A

�CkSad dh fUkOkYk gSfLk¸kRk fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk 10]538-29 djksM+ :Ik¸ks Lks Ck<+dj 11]757-11 djksM+ :Ik¸ks gks XkbZA

�IkzfRk 'ks¸kj Ckgh EkwY¸k 31 EkkPkZ] 2012 d¢ 361-20 :Ik¸ks dh RkqYkUkk Eksa 31 EkkPkZ] 2013 dks 402-97 :Ik¸ks jgk A

4



� The Return on Equity (RoE) for Financial Year ended 31st March, 2013 increased by 51 bps to reach 11.91% from 11.40% in March 2012.

� Bank’s Earning per share (EPS) increased to Rs.45.51 during FY 2012-13 from Rs.39.13 in FY 2011-12.

� The Business per Branch increased to Rs. 153.04 crore from Rs. 151.81 crore and the Business per Employee increased to Rs.16.20 crore from Rs. 14.62 crore during the year 2012-13.

� Your Bank’s total delivery channels were 3452 consisting of 2000 Branches and 1452 ATMs as at end March 2013. During Financial Year 2012-13, 209 New Branches were opened and 19 Extension Counters were upgraded by the Bank.

� As at end March 2013, the Bank had 18,891 employees. 714 new personnel including 172 Specialist Officers have been recruited during 2012-13.

RISK MANAGEMENT/IMPLEMENTATION OF BASEL III am happy to inform you that your Bank is Basel II compliant in terms of the New Capital Adequacy Framework guidelines issued by the Reserve Bank of India and Capital to Risk-Weighted Assets Ratio (CRAR) of the Bank stood at 12.04% (with Tier I ratio of 9.18%) which is well above the minimum requirement of 9% as stipulated by RBI. The Bank has put in place adequate Risk Management Systems which are reviewed and updated periodically in the light of guidelines received from Reserve Bank of India from time to time. During 2012-13, the Bank has raised Tier-2 Bonds of Rs.1,025 crore in the month of November 2012.NEW CORPORATE INITIATIVES DURING FY 2012-13

� Your Bank opened 3 new Regional Offices at Jodhpur in Rajasthan, Meerut and Varanasi in Uttar Pradesh. With this the number of Regional Offices of the Bank stands at 33.

� A new Vision & Mission Document of the Bank has been launched which envisages that the Bank will reach a Total Business Mix of Rs.7,50,000 crore by March,2018.

� Your Bank has waived penalty on premature withdrawal of all fresh Term Deposits w.e.f. 01.01.2013.

� Leading initiative was taken by the Bank in waiving the NEFT Charges on transactions up to Rs. One Lac w.e.f. 15.05.2012. This initiative of the Bank was appreciated by the then Hon’ble Finance Minister.

� The bank has been rewarding the loyalty of customers by offering attractive Retail loan pricing for its products.

� Your Bank signed an MoU with M/s Piaggio Vehicles Pvt. Ltd. & M/s Mahindra & Mahindra Vehicles Ltd. for increasing vehicle loan financing.

� The Bank has signed an MoU with M/s Bajaj Auto Ltd. for Two Wheeler & Auto Rickshaw Financing.

� Your Bank has tied Up with UTI Asset Management Company Ltd. for selling their Mutual Fund products through all branches of the Bank.

�31 EkkPkZ] 2013 dks lekIr foÙkh; o"kZ Eksa bZfDoVh Ikj vk¸k ¼vkjvksbZ½] EkkPkZ] 2012 d¢ 11-40٪ Lks 51 CksfLkl IOkkbaV Ck<+dj 11-91٪ gks XkbZA

�CkSad dk IkzfRk 'ks¸kj vTkZUk ¼bZih,l½ fOkÙkh¸k Ok"kZZ 2011&12 d¢ 39-13 :Ik¸ks Lks Ck<+dj fOkÙkh¸k Ok"kZZ 2012&13 d¢ nkSjkUk 45-51 :Ik¸ks gks Xk¸kkA

�Ok"kZZ 2012&13 d¢ nkSjkUk IkzfRk 'kk[kk dkjksCkkj 151-81 djksM+ :Ik¸ks Lks Ck<+dj 153-04 djksM+ :Ik¸ks vkSj IkzfRk dEkZPkkjh dkjksCkkj 14-62 djksM+ :Ik¸ks Lks Ck<+dj 16-20 djksM+ :Ik¸ks gks Xk¸kk A

�EkkPkZ] 2013 d¢ vaRk Eksa vkIkd¢ CkSad d¢ dqYk fMYkhOkjh PkSUkYk 3452 Fks fTkUkEksa 2000 'kk[kk,a vkSj 1452 ,Vh,Ek 'kkfEkYk FksA fOkÙkh¸k Ok"kZZ 2012&13 d¢ nkSjkUk 209 UkbZ 'kk[kk,a [kksYkh Xkb± vkSj 19 fOkLRkkj IkVYkksa dks vIkXkzsM fd¸kk Xk¸kk A

�EkkPkZ] 2013 d¢ vaRk Eksa CkSad d¢ 18]891 dEkZPkkjh Fks A Ok"kZZ 2012&13 d¢ nkSjkUk 172 fo'ks"kK vf/kdkfj¸kksa LkfgRk 714 u, dkfEkZdksa dh HkRkhZ dh XkbZA

Tkksf[kEk IkzCka/kUk@CkkLksYk II dks YkkXkw djUkk

EkqÖks kg CkRkkRks gq, IkzLkUUkRkk gks jgh gS fd vkIkdk CkSad HkkjRkh¸k fjTkOkZ CkSad }kjk Tkkjh UkbZ IkwaTkh Ik¸kkZIRkRkk LkajPkUkk fn'kkfUknsZ'kksa d¢ vUkqLkkj CkkLksYk&II vUkqIkkYkd gS vkSj CkSad dh Tkksf[kEk HkkfjRk vkfLRk¸kksa dh RkqYkUkk Eksa IkwaTkh vuqikr ¼Lkh vkj , vkj½ ¼Vh¸kj 1 dh 9-18٪ IkwaTkh LkfgRk½ 12-04٪ Fkh Tkks HkkjRkh¸k fjTkOkZ CkSad }kjk fUk/kkZfjRk 9٪ dh U¸kwUkRkEk vIks{kk Lks dgha vf/kd FkhA CkSad Uks Ik¸kkZIRk Tkksf[kEk IkzCka/kUk Ikz.kkYkh YkkXkw dh gS] fTkLkdh LkEk¸k&LkEk¸k Ikj HkkjRkh¸k fjTkOkZ CkSad Lks IkzkIRk fn'kkfunsZ'kksa d¢ vUkqLkkj vkOkf/kd :Ik Lks LkEkh{kk dh TkkRkh gS vkSj v|RkUk fd¸kk TkkRkk gS A

2012&13 d¢ nkSjkUk CkSad Uks UkOkECkj] 2012 Ekkg Eksa 1]025 djksM+ :Ik¸ks d¢ Vh¸kj&2 Ckk.M TkqVk, A

fOkÙkh¸k Ok”kZ 2012&13 d¢ nkSjkUk Uk, dkWjIkksjsV dnEk

�vkIkd¢ CkSad Uks jkTkLFkkUk d¢ Tk¸kIkqj] mÙkj Ikzns'k d¢ EksjB ,Oka Okkjk.kLkh Eksa 3 ¼RkhUk½ Uk, Ikzknsf'kd dk¸kkZYk¸k [kksYks A bLkd¢ LkkFk gh CkSad d¢ Ikzknsf'kd dk¸kkZYk¸kksa dh Lka[¸kk 33 gks XkbZ gS A

�CkSad dk Uk¸kk fOkTk+Uk ,Oka fEk'kUk nLRkkOksTk tkjh fd¸kk Xk¸kk gS fTkLkd¢ vUkqLkkj CkSad dh ¸kksTkUkk EkkPkZ] 2018 Rkd 7]50]000 djksM+ :Ik¸ks dk dqYk dkjksCkkj IkzkIRk djUks dh gSA

�vkIkd¢ CkSad Uks LkHkh UkbZ Ekh¸kknh TkEkkjkf'k¸kksa d¢ LkEk¸kIkwOkZ vkgj.k Ikj 01-01-2013 d¢ TkqEkkZUkk EkkQ dj fn¸kk gS A

�CkSad Uks ,d Ykk[k :Ik¸ks Rkd d¢ YksUk&nsUk Ikj 15-05-2012 ls ,UkbZ,QVh IkzHkkj gVkUks dh 'kq:vkRk dhA CkSad }kjk mBk, Xk, bLk dnEk dh EkkUkUkh¸k fOkÙk Eka«kh }kjk LkjkgUkk dh XkbZA

�CkSad vIkUks fUk"BkOkkUk Xkzkgdksa dks YkkHkkfUOkRk djUks d¢ fYk, vIkUks mRIkknksa d¢ vkd"kZd fjVsYk _.k EkwY¸k Iks'k dj jgk gSA

�vkIkd¢ CkSad Uks OkkgUk _.kksa dks Ck<+kUks d¢ fYk, EkSLkLkZ fIk¸kkfTk¸kks OkhbdYLk Ikzk0 fYk0 ,Oka EkSLkLkZ EkfgUnzk ,UM EkfgUnzk OkhbdYLk fYkfEkVsM d¢ LkkFk LkEkÖkkSRkk KkIkUk Ikj gLRkk{kj fd,A

�CkSad Uks nqIkfg¸kk RkFkk vkWVks fjD'kk d¢ fYk, _.k IkznkUk djUks gsRkq EkSLkLkZ CkTkkTk vkWVks fYk0 d¢ LkkFk LkEkÖkkSRkk KkIkUk Ikj gLRkk{kj fd, gSaA

� vkIkd¢ CkSad Uks kwVhvkbZ ,LksV EkSUksTkEksaV daIkUkh fYk0 d¢ LkkFk Ikwjs HkkjRk Eksa vIkUkh 'kk[kkvksa d¢ Tkfj, mUkd¢ E¸kwPkqvYk QaM mRIkkn CksPkUks d¢ fYk, XkBCka/kUk fd¸kk gS A

5



FINANCIAL INCLUSION PROGRAMA special focus is being laid on Financial Inclusion by way of installation of biometric ATMs, issuing fresh Biometric Cards, enrolling customers under basic banking Accounts, adopting more villages, appointing Business Correspondents and forming new Self Help Groups (SHGs)/Joint Liability Groups (JLGs) during the year.With a view to providing banking facilities in unbanked villages, your Bank has rolled out Financial Inclusion Plan in 569 allotted villages with population more than 2,000 and in 336 villages with population between 1600 - 2000. Bank has covered all the 905 villages under Financial Inclusion Plan as on 31.03.2013. Out of 905 villages, 779 are covered through Business Correspondent model, 63 through brick & mortar Branch Model and remaining 63 through Mobile Branch Model.Bank has opened a total number of 6.52 Lakh Basic Banking / Other savings accounts in these 905 villages. Further 2.93 Lakh customers, whose accounts were opened through BC Agents, have been issued activated Bio-metric cards for extending IT enabled banking services.A special drive has been launched in Delhi w.e.f. 16.07.2012 to extend banking facilities to the migrant labourers and street vendors/ hawkers in urban areas by opening their Small SB accounts. A Call center service with toll free telephone number, SMS & e-mail facility have been put in place to reply the queries of the persons/ guiding the persons intending to open accounts with the banks. A total number of 34,335 accounts of the migrant labourers and street vendors/ hawkers have been opened by our bank in Delhi since 16.07.2012.IMPLEMENTATION OF DIRECT BENEFIT TRANSFER (DBT) SCHEME OF GOVT. OF INDIABank received list of 14,341 beneficiaries in 26 districts (out of 43 pilot Districts in Phase-I) and a list of 4,790 beneficiaries in 10 districts (out of 78 additional districts in phase-II). The accounts of all the beneficiaries have been opened. Apart from the above, the Bank has received a list of 35,764 beneficiaries in other 25 districts and accounts of all beneficiaries have been opened. Bank has issued ATM debit cards to 23,735 beneficiaries and has seeded Aadhaar number in 16,293 accounts.Bank has three Lead districts, which are not among 43 (Phase-I) and 78 (Phase-II) districts. However, we have taken initiative to implement DBT in our Lead districts. CORPORATE SOCIAL RESPONSIBILITY

� During the FY-2012-13, the Bank has contributed Rs.3.92 crore towards different CSR activities. Out of this, an amount of Rs.2.46 crore has been spent towards CSR activities in Rural areas.

� Bank has installed electricity fans and constructed public conveniences in 461 Primary Schools. Provision has been made for clean drinking water in 299 schools and 21 solar panels installed in schools for uninterrupted power back-up.

fOkRRkh¸k LkEkkOks’kUk dk¸kZdzEk

Ok"kZ d¢ nkSjkUk Ckk¸kksEkhfVªd ,Vh,Ek LFkkfIkRk djd¢] Uk, Ckk¸kksEkhfVªd dkMZ Tkkjh djd¢] csfld cSafdax [kkRkksa d¢ vaRkXkZRk Xkzkgdksa dks UkkEkkafdRk djd¢] vfRkfjä XkkaOkksa dks vaXkhdkj djd¢] dkjksCkkj IkzfRkfUkf/k¸kksa dks fUk¸kqä djd¢ RkFkk Uk, LOk¸ka Lkgk¸kRkk LkEkwgksa ¼,Lk,PkTkh½@Lka¸kqä ns¸kRkk LkEkwgksa ¼Tks,yTkh½ dk XkBUk djd¢ fOkÙkh¸k LkEkkOks'kUk Ikj fOk'ks"k /¸kkUk fn¸kk Tkk jgk gSA

CkSafdaXk LkqfOk/kkghUk XkkaOkksa Eksa CkSafdaXk LkqfOk/kk,a mIkYkC/k djkUks d¢ fYk, vkIkd¢ CkSad Uks 2000 Lks vf/kd vkCkknh OkkYks 569 vkCkafVRk XkkaOkksa Eksa vkSj 1600&2000 d¢ CkhPk dh vkCkknh OkkYks 336 XkkaOkksa Eksa fOkÙkh¸k LkEkkOks'kUk ¸kksTkUkk Ikwjh dj Ykh gS A CkSad Uks 31-03-2013 dh fLFkfRk d¢ vUkqLkkj fOkÙkh¸k LkEkkOks'kUk ¸kksTkUkk d¢ vaRkXkZRk LkHkh 905 XkkaOkksa dks dOkj fd¸kk gSA 905 XkkaOkksa Eksa Lks] 779 dkjksCkkj IkzfRkfUkf/k EkkWMYk d¢ Tkfj,] 63 fCkzd ,Oka EkksVkZj 'kk[kk EkkWMYk d¢ Tkfj, vkSj 'ks"k 63 EkksCkkbYk 'kk[kk EkkWMYk d¢ Tkfj, dOkj fd, Xk, gSa A

CkSad Uks bUk 905 XkkaOkksa Eksa dqYk 6-52 Ykk[k CksfLkd CkSafdaXk@vU¸k CkPkRk [kkRks [kksYks gSa A bLkd¢ vfRkfjä 2-93 Ykk[k Xkzkgdksa] fTkUkd¢ [kkRks CkhLkh ,TksaVksa d¢ }kjk [kksYks Xk, Fks] dks vkbZ- Vh- LkEkfFkZRk CkSafdaXk LksOkk,a IkznkUk djUks d¢ fYk, ,fDVOksV fd, Xk, CkkW¸kksEkhfVªd dkMZ Tkkjh fd, Xk, gSa A

'kgjh bYkkdksa Eksa IkzOkkLkh JfEkdksa vkSj QsjhOkkYkksa@jsgM+h OkkYkksa d¢ Yk?kq CkPkRk CkSad [kkRks [kksYkdj mUgsa CkSafdaXk LkqfOk/kk,a IkznkUk djUks d¢ fYk, fnYYkh Eksa fnUkkad 16-07-2012 Lks ,d fOk”ks"k vfHk¸kkUk PkYkk¸kk Xk¸kk gSA VksYk Qzh VsYkhQksUk UkECkj d¢ LkkFk ,d dkWYk LksaVj LksOkk] ,Lk,Ek,Lk RkFkk bZ&EksYk LkqfOk/kk Hkh] CkSadksa Eksa [kkRkk [kksYkUks d¢ bPNqd O¸kfä¸kksa d¢ Ikz'Ukksa dk mÙkj nsUks@mUkdk EkkXkZn'kZUk djUks d¢ fYk, PkYkkbZ XkbZ gS A

gEkkjs CkSad Uks fnYYkh Eksa 16-07-2012 Lks] IkzOkkLkh JfEkdksa@jsgM+h OkkYkksa d¢ dqYk 34]335 [kkRks [kksYks gSa A

HkkjRk Lkjdkj dh IkzR¸k{k YkkHk vaRkj.k ¼MhCkhVh½ kksTkUkk dks YkkXkw djUkk

CkSad dks ¼QsTk+ I Eksa 43 Ikk¸kYksV fTkYkksa Eksa Lks½ 26 fTkYkksa Eksa 14]341 YkkHkXkzkfg¸kksa dh LkwPkh vkSj ¼QsTk&II Eksa 78 vfRkfjä fTkYkksa Eksa Lks½ 10 fTkYkksa Eksa 4790 YkkHkXkzkfg¸kksa dh LkwPkh IkzkIRk gqbZA bUk LkHkh YkkHkXkzkfg¸kksa d¢ [kkRks [kksYks Xk, gSa A

bLkd¢ vfRkfjä CkSad dks vU¸k 25 fTkYkksa Eksa 35]764 YkkHkXkzkfg¸kksa dh LkwPkh IkzkIRk gqb± gSa vkSj bUk LkHkh YkkHkXkzkfg¸kksa d¢ [kkRks [kksYks Xk, gSa A

CkSad Uks 23]735 YkkHkXkzkfg¸kksa dks ,Vh,Ek MsfCkV dkMZ Tkkjh fd, gSa vkSj 16]293 [kkRkksa Eksa vk/kkj Lka[¸kk IkzfOk"V dh gSA

CkSad d¢ IkkLk RkhUk vXkz.kh fTkYks gSa Tkks 43 ¼QsTk+&I) vkSj 78 ¼QsTk+&II½ fTkYkksa Lks vYkXk gSaA RkFkkfIk gEkUks vIkUks vXkz.kh fTkYkksa Eksa IkzR¸k{k YkkHk vaRkj.k ¼MhCkhVh½ YkkXkw djUks dk dnEk mBk¸kk gS A

dkWjIkksjsV LkkEkkfTkd nkf¸kROk

�fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks fOkfHkUUk dkWjIkksjsV LkkEkkfTkd nkf¸kROk dh XkfRkfOkf/k¸kkasa Eksa 3-92 djksM+ :Ik, dk va'knkUk fd¸kk A bLkEksa Lks 2-46 djksM+ :Ik, dh jkf'k XkzkEkh.k {ks«kksa Eksa LkkEkkfTkd nkf¸kROk LkaCka/kh XkfRkfOkf/k¸kksa Ikj [kPkZ dh XkbZ A

�CkSad Uks 461 IkzkbEkjh LdwYkksa Eksa fCkTkYkh d¢ Ika[ks YkXkOkk, vkSj 'kkSPkkYk¸k CkUkOkk,A 299 LdwYkksa Eksa 'kq) Iks¸kTkYk mIkYkC/k djk¸kk vkSj fUkjaRkj IkkOkj CkSdvIk d¢ fYk, LdwYkksa Eksa 21 LkkSj ÅTkkZ IkSUkYk YkXkOkk, A

6



� In 766 Financial Inclusion Villages and in other rural & semi-rural areas, provision has been made for water purifier, water cooler, schoolbags, hand pump, stitching machines, chairs, eye operation camp etc.

� Bank has distributed rice to Poor People through Ambedkar India Social Work Charitable Society, in Amballur, Chottanikkara and Udayamperur of Ernakulam District and provided financial support to Sh. N. A. Easwarappa Pratisthan, Ahmedabad, for maintenance of Mobile Dispensary towards medical treatment to poor patients.

� Bank has sponsored Mid-Day meal programme in Delhi & Mumbai through ISKCON Food Relief Foundation.

� Bank has provided computers to ‘All India Confederation of the Blind’ Rohini, Delhi for computer training to Blind Students.

� Bank has donated money to ‘Mahavir International’ (Rajdhani Charitable Eye and Medical Center) for construction of X- ray Room and Operation Theatre for medical needs of poor and needy patients.

� Bank has donated computers for the poor students of ‘Saraswati Shishu Mandir Shiksha Samiti’, Meerut.

� Bank has donated VANs to ‘Help us to Help them’ NGO in Kolkata for providing education in far-flung areas to poor students and to Arunodaya Charitable Trust for Arunodaya Desert Eye Hospital, Gurgaon which shall be used by the Hospital for transportation of the patients to and from their Base Hospital.

� An Ambulance was donated by the Bank to Maharaja Agrasen Hospital Charitable Trust, Punjabi Bagh, New Delhi for medical benefit of the poor and needy patients.

TECHNOLOGY FOR BETTER CUSTOMER SERVICE � In your Bank, business is routed through robust and state

of the art Core Banking Solution, which has ISO 27001 Certification. For offering one stop seamless services to customers as well as to ensure business continuity and zero data loss in case of any disaster situation a three way datacenter setup has been created.

� More than 76% of the eligible transactions are routed through electronics channels.

� Your Bank launched RuPay ATM Card and RuPay Kisan Card which shall be working on India’s own payment infrastructure and shall meet the needs of different sectors of the society. The RuPay Kisan card shall give further thrust to the Financial Inclusion initiatives of the Bank by offering low cost payment system.

� Your Bank’s widely used Internet Banking facility has been further enriched and made more secure by implementation of various additional features such as online issuance of FDR/CDR, online payment of loan EMI, payment of VAT and Sales Tax, generation of passwords by users etc. and several security features. With addition of 1.11 lakh new customers during the year, the Internet Banking customer base has reached to 5.57 lakh.

� Mobile Banking Services are offered facilitating balance inquiry, Utility Bill Payment, Intra-Bank funds transfer, Inter-Bank funds transfer through NEFT and instant Mobile to Mobile funds transfer through IMPS etc.

�fOkÙkh¸k LkEkkOks'kUk OkkYks 766 XkkaOkksa Eksa vkSj vU¸k XkzkEkh.k Ok v)Z&'kgjh {ks«kksa Eksa OkkVj I¸kwjhQk¸kj] OkkVj dwYkj] LdwYkh CkLRks] gSaM IkEIk] fLkYkkbZ Ek'khUksa] dqfLkZ¸kka mIkYkC/k djkbZ XkbZ vkSj vka[kksa d¢ vkWIkjs'kUk d¢ fYk, dSaIk vkfn YkXkk, Xk, A

�CkSad Uks *,UkkZdqYkEk fTkYks d¢ vECkkYYkwj] PkksÍUkhDdM+k vkSj mn¸kEkIkS:j Eksa vECksMdj bafM¸kk Lkks'kYk OkdZ PkSfjVsCkYk LkksLkk¸kVh d¢ Tkfj, XkjhCk YkksXkksa dks PkkOkYk fOkRkfjRk fd, vkSj XkjhCk Nk«kksa dh fPkfdRLkk d¢ fYk, EkksCkkbYk fMLIksaLkjh PkYkkUks gsRkq Jh ,Uk-,- bZLOkjIIkk IkzfRk"BkUk] vgEknkCkkn dks fOkÙkh¸k Lkgk¸kRkk nh A

�CkSad Uks fnYYkh vkSj EkqECkbZ Eksa bLdkWUk QwM fjYkhQ QkWmaMs'kUk d¢ Tkfj, nksIkgj d¢ HkksTkUk dk dk¸kZdzEk ¼fEkM Ms EkhYk IkzksXkzkEk) PkYkk¸kk A

�–f"VghUk Nk«kksa dks dEI¸kwVj Ikzf'k{k.k nsUks d¢ fYk, *vkWYk bafM¸kk dkWUQsMjs'kUk vkWQ fn CYkkbaM* jksfg.kh] fnYYkh dks dEI¸kwVj IkznkUk fd, Xk,A

�CkSad Uks XkjhCk vkSj Tk:jRkEkan jksfXk¸kksa dh fPkfdRLkk vkOk'¸kdRkkvksa dks Ikwjk djUks gsRkq ,Dljs :Ek vkSj vkWIkjs'kUk fFk¸ksVj CkUkkUks d¢ fYk, EkgkOkhj baVjUks'kUkYk ¼jkTk/kkUkh PkSfjVsCkYk vkbZ ,aM EksfMdYk LksaVj½ dks /kUkjkf'k nkUk dhA

�CkSad Uks LkjLOkRkh f'k'kq Ekafnj f'k{kk LkfEkfRk] EksjB d¢ XkjhCk Nk«kksa d¢ fYk, dEI¸kwVj nkUk fd,A

�CkSad Uks *gSYIk vLk Vw gsYIk nSEk* ,UkTkhvks] dksYkdkRkk d¢ Tkfj, nwj&njkTk {ks«kksa Eksa XkjhCk Nk«kksa dks f'k{kk IkznkUk djUks d¢ fYk, vkSj v:.kksn¸k fMTkVZ vkbZ gkWfLIkVYk] XkqM+XkkaOk d¢ fYk, v:.kksn¸k PksfjVsCkYk VªLV dks OkSUk nkUk dh fTkLkdk mIk¸kksXk ¸ks vLIkRkkYk EkjhTkksa dks vIkUks CksLk vLIkRkkYk Lks YkkUks&Yks TkkUks d¢ fYk, djsaXks A

�XkjhCk ,Oka Tk:jRkEkan EkjhTkksa d¢ fPkfdRLkk YkkHk gsRkq CkSad Uks ,d ,ECkqYksaLk Hkh EkgkjkTkk vXkzLksUk gkWfLIkVYk PksfjVsCkYk VªLV] IkaTkkCkh CkkXk] UkbZ fnYYkh dks nkUk dhA

CksgRkj Xkzkgd LksOkk d¢ fYk, IkzkSn~;ksfXkdh�vkIkd¢ CkSad Eksa dkjksCkkj] vR¸kaRk RkhOkz RkFkk vR¸kk/kqfUkd dksj CkSafdaXk

LkksY¸kw'kUk d¢ Tkfj, fd¸kk TkkRkk gS fTkLkdk vkbZ,Lkvks 27001 LkfVZfQd¢'kUk gSA Xkzkgdksa dks ,d gh LFkkUk Ikj LkHkh LksOkk,a LkqLkaXkRk :Ik Lks nsUks vkSj fdLkh Hkh vkIknk dh fLFkfRk Eksa dkjksCkkj tkjh j[kus vkSj 'kwU¸k MkVk gkfUk LkqfUkf'PkRk djUks d¢ fYk, f«kvk¸kkEkh MkVk LksaVj CkUkk¸kk Xk¸kk gSA

�76٪ Lks vf/kd Ikk«k YksUk&nsUk bYkSd~~VªkfUkd PkSUkYkksa }kjk fd, TkkRks gSaA �vkIkd¢ CkSad Uks :Iks ,Vh,Ek dkMZ vkSj :Iks fdLkkUk dkMZ vkjaHk fd,

gSa Tkks HkkjRk d¢ vIkUks HkqXkRkkUk <kaPks Ikj dk¸kZ djsaXks RkFkk LkEkkTk d¢ fOkfHkUUk OkXkks± dh Tk:jRkksa dks Ikwjk djsaXksA :Iks fdLkkUk dkMZ fUkEUk YkkXkRk dh HkqXkRkkUk Ikz.kkYkh is'k djd¢ CkSad d¢ fOkÙkh¸k lekos'ku Ikz¸kkLkksa dks vkSj Ck<+kOkk nsXkkA

�vkIkd¢ CkSad dh baVjUksV CkSafdaXk LkqfOk/kk dk O¸kkIkd Ikz¸kksXk gks jgk gS vkSj dbZ vfRkfjä fOk'ks"kRkk,a YkkXkw djd¢ bLks vf/kd IkzHkkOkh RkFkk Lkqjf{kRk CkUkk¸kk Xk¸kk gS TkSLks& ,QMhvkj@lhMhvkj vkWu ykbu tkjh djuk _.k dh EkkfLkd fd'rksa dk vkWUkYkkbUk HkqXkRkkUk] OkSV RkFkk fCkdzh dj dk HkqXkRkkUk] Ikz¸kksäk }kjk IkkLkOkMZ Lk`fTkRk djUkk vkfn RkFkk dbZ Lkqj{kk mIkk¸kA Ok"kZZ d¢ nkSjkUk 1-11 Ykk[k Uk, Xkzkgdksa d¢ LkkFk baVjUksV CkSafdaXk Xkzkgd vk/kkj 5-57 Ykk[k Ikj IkgqaPk Xk¸kk gSA

�EkksCkkbYk CkSafsdaXk LksOkkvksa d¢ Tkfj, cSysal dh IkwNRkkN] ¸kwfVfYkVh fCkYk HkqXkRkkUk] vaRk% CkSad fUkf/k vaRkj.k] ,Ukb,QVh d¢ Tkfj, vaRkj CkSad fUkf/k vaRkj.k RkFkk vkbZ,EkIkh,Lk vkfn d¢ Tkfj, RkRdkYk EkksCkkbYk Lks EkksCkkbYk Ikj fUkf/k vaRkj.k vkfn LkqfOk/kk,a mIkYkC/k gSa A

7



� Bank has implemented Biometric Authentication for users in CBS environment and the same has been operationalised across 900 Branches.

� Bank has implemented Aadhaar Payment Bridge (APB) and Aadhaar Enabled Payment System (AEPS) for Direct Benefit Transfer scheme of GOI.

INTERNATIONAL PRESENCEYour Bank made its foray in International arena on 30.03.2009 with the opening of its first representative office at Dubai. Our representative office at Dubai has been extending assistance to NRIs and PIOs about business opportunities in India and marketing the Bank’s products and services. CORPORATE GOVERNANCEYour Bank has been maintaining the highest standards of Corporate Governance by adopting best industry practices. The Bank has been adhering to the corporate governance guidelines laid down by SEBI and RBI. Bank’s Corporate Governance policies recognize the accountability of the Board and the impact of its decisions on all our constituents including shareholders, depositors, lenders, customers, employees and the Regulatory authorities.In line with Ministry of Corporate Affairs “Green Initiative in Corporate Governance” and Listing provisions, soft copies of Annual Report have been sent to all those shareholders who have registered their e-mail addresses with us.CUSTOMER SERVICEYour Bank shares with its customers a long and enduring relationship that is built over the years on trust and an abiding hope that the Bank will always partner for the fulfillment of their dreams in a professional manner. We are committed for bringing to our esteemed customers the best of banking services, products and a tradition of excellence. Taking forward the innovation in customer service, the bank has introduced various delivery channels and a number of on line services which makes service delivery efficient, effective and error free besides being timely. We are looking forward to reaching out to more number of customers with highest level of customer satisfaction.Recruitment of personnel at different cadres and continuous training are some initiatives directed towards building the Team OBC in the service to its customers. DIVIDENDYour Bank’s policy of declaring dividend is to reward the shareholders as well as to plough back sufficient profits for maintaining a healthy capital adequacy ratio and supporting future growth. Accordingly, your Directors are happy to propose a dividend of Rs. 9.20 per share (92%) for the year ended 31st March 2013 as against Rs. 7.90 per share (79%) of previous year.LOOKING FORWARDFor the year 2013-14, the Bank is looking optimistically. We estimate a growth of 15% to 16% in Deposits & Advances with CASA level of more than 25% of total Deposits. Towards this, we have planned to add 125-150 branches during 2013-14.

�CkSad Uks LkhCkh,Lk ifjos'k Eksa Ikz¸kksäkvksa d¢ fYk, Ckk¸kksEkhfVªd vf/kIkzEkk.kUk YkkXkw fd¸kk gS vkSj ¸kg 900 'kk[kkvksa Eksa 'kq: fd¸kk Xk¸kk gSA

�CkSad Uks HkkjRk Lkjdkj dh IkzR¸k{k ykHk vaRkj.k ¸kksTkUkk d¢ fYk, vk/kkj HkqXkRkkUk fCkzTk ¼,IkhCkh½ RkFkk vk/kkj LkEkfFkZRk HkqXkRkkUk Ik)fRk ¼,bIkh,Lk½ YkkXkw dh gS A

vazRkjjk”Vªh¸k IkgPkkUk

vkIkd¢ CkSad Uks 30-03-2009 dks nqCkbZ Eksa vIkUkk IkgYkk IkzzfRkfUkf/k dk¸kkZYk¸k [kksYkdj vazRkjjk"Vªh¸k {ks«k Eksa IkzOks'k fd¸kkA nqCkbZ Eksa gEkkjk IkzfRkfUkf/k dk¸kkZYk¸k vfUkOkkLkh HkkjRkh¸kksa RkFkk HkkjRkh¸k EkwYk d¢ O¸kfä¸kksa dks HkkjRk Eksa dkjksCkkjh LkaHkkOkUkkvksa d¢ Ckkjs Eksa Lkgk¸kRkk nsRkk gS vkSj CkSad d¢ mRIkknksa Ok LksOkkvksa dh EkkfdZfVaXk djRkk gS A

daIkUkh vfHk’kkLkUk

vkIkdk CkSad m|ksXk dh Js"B Ik)fRk¸kksa dks vIkUkkdj] daIkUkh vfHk'kkLkUk d¢ LkOkksZPPk EkkUknaMksa dks dk¸kEk j[ks gq, gSA CkSad LksCkh vkSj HkkjRkh¸k fjTk+OkZ CkSad }kjk fUk/kkZfjRk daIkUkh vfHk'kkLkUk LkaCka/kh fn'kkfUknsZ'kksa dk vUkqIkkYkUk dj jgk gS A CkSad dh daIkUkh vfHk'kkLkUk UkhfRk¸kksa Eksa gEkkjs Xkzkgdksa] fTkUkEksa 'ks;j/kkjd] TkEkkdRkkZ] _.knkRkk] xzkgd] dEkZPkkjh ,Oka fOkfUk¸kkEkd Ikzkf/kdkjh 'kkfEkYk gSa] d¢ IkzfRk EkaMYk d¢ mÙkjnkf¸kROk vkSj fn, Xk, fUk.kZ kksa d¢ EkgROk dks LOkhdkj fd¸kk Xk¸kk gSA

daIkUkh dk¸kZ Eka«kkYk¸k d¢ *daIkUkh vfHk'kkLkUk Eksa gfjRk UkOkksUEks"k vkSj LkwPkhdj.k IkzkOk/kkUk d¢ vUkq:Ik mUk LkHkh 'ks¸kj/kkjdksa dks Okkf"kZd fjIkksVZ dh LkkW¶V dkWIkh HksTk nh XkbZ gSa fTkUgksaUks vius bZ&EksYk IkRks gekjs ikl ntZ djk;s gSaA

Xkzkgd LksOkk

gEkkjs CkSad d¢ vIkUks Xkzkgdksa d¢ LkkFk nh?kZ RkFkk LFkk¸kh LkaCka/k gSa Tkks Ok"kks± d¢ fOk'OkkLk Ikj CkUks gSa vkSj bLk vk'kk Ikj vk/kkfjRk gSa fd CkSad mUkd¢ LkIkUkksa dks O¸kkOkLkkf¸kd :Ik Lks Ikwjk j[kUks Eksa LknSOk HkkXkhnkj jgsxkA gEk vIkUks LkEEkkfUkRk Xkzkgdksa dks Js"B CkSafdaXk LksOkk,a] mRIkkn nsUks vkSj mR—"VRkk dh IkjaIkjk fUkHkkUks d¢ fYk, OkPkUkCk) gSa A

Xkzkgd LksOkk Eksa UkOkksUEks"k LkqfOk/kk,a Ck<+kUks d¢ fYk, CkSad Uks fOkfHkUUk fMYkhOkjh PkSUkYk RkFkk dbZ vkWUk YkkbUk LksOkk,a vkjaHk dh gSa fTkUkLks fMYkhOkjh LkEk¸k Ikj gksUks d¢ LkkFk&LkkFk dq'kYk] IkzHkkOkh RkFkk «kqfVjfgRk gqbZ gS A gEk LkOkksZPPk LkaRkqf"V LRkj d¢ LkkFk vf/kd Lks vf/kd Xkzkgdksa Rkd IkgqaPk CkUkkUkk PkkgRks gSaA

fOkfHkUUk LkaOkXkks± Eksa dkfEkZdksa dh HkRkhZ] fUkjaRkj Ikzf'k{k.k TkSLks UkOkksUEks"k mIkk¸kksa Lks vksCkhLkh VhEk dks vIkUks Xkzkgdksa dh LksOkk Eksa RkRIkj CkUkk¸kk Xk¸kk gS A

YkkHkka’k

vkIkd¢ CkSad dh YkkHkka'k ?kksf"kRk djUks dh UkhfRk 'ks¸kj /kkjdksa dks mfPkRk IkzfRkQYk nsUks RkFkk LOkLFk IkwaTkh Ik¸kkZIRkRkk vUkqIkkRk CkUkk¸ks j[kUks vkSj HkkOkh fOkdkLk Eksa Lkg¸kksXk nsus gsRkq YkkHk d¢ IkqUkfUkZOks'k Ikj vk/kkfjRk gSA RknUkqLkkj vkIkd¢ fUkns'kd fIkNYks Ok"kZ d¢ IkzfRk 'ks¸kj 7-90 :Ik¸ks ¼79٪½ d¢ EkqdkCkYks 31 EkkPkZ] 2013 dks LkEkkIRk Ok"kZ d¢ fYk, IkzfRk 'ks¸kj 9-20 :Ik¸ks ¼92٪½ dk YkkHkka'k Lkg"kZ IkzLRkkfOkRk djRks gSaA

HkkOkh ¸kksTkUkk

CkSad Ok"kZ 2013&14 d¢ fYk, vk'kkOkkUk –f"Vdks.k j[kRkk gSA gEkkjh ¸kksTkUkk dqYk TkEkkjkf'k¸kksa d¢ 25٪ Lks vf/kd d¢ dkLkk LRkj d¢ LkkFk TkEkkjkf'k;ksa vkSj vfXkzEkksa Eksa 15٪ Lks 16٪ dh Ok`f) djUks dh gSA bLkd¢ fYk, gEkkjh ¸kksTkUkk Ok"kZZ 2013&14 d¢ nkSjkUk 125&150 UkbZ 'kk[kk,a [kksYkUks dh gS A

8



Your Bank continues to be strong on all major financial parameters as is evident in its consistent performance over the years with a state-of-the-art technology platform to meet the customers’ aspirations. The 19.58 Million strong customer base with a committed team force stands testimony to this.

The ultimate objective of the Top Management of the Bank is to equip the Bank with more stability and growth orientation through growth in key parameters i.e. CASA, Retail term deposits, Retail Credit and strong NPA Management. The key drivers for growth of Assets of the Bank are lending to Agriculture, SME, Mid Corporate and Retail segments.

I am pleased to welcome Sh. Bhupinder Nayyar, Executive Director & Sh. P. M. Chopda, Part-time Non-Official Director who joined as directors on the Board during the year. I am also grateful to Executive Director Shri S. C. Sinha and RBI Nominee Director Shri B. Srinivas for their valuable contribution who superannuated during FY 2012-13.

On behalf of the Board of Directors and on my own behalf, I take this opportunity to express my sincere thanks and gratitude to all the Shareholders of the Bank for reposing their faith in the Management. We understand that the success of the Bank lies in attaining the acceptance of our stakeholders about the Bank’s core values, passion for customer service and credibility of leaders. I also thank every employee of the Bank for their dedication and our loyal customers for their continued support and patronage. My sincere thanks to the Ministry of Finance, Government of India and the Reserve Bank of India for their continued guidance and support.

(S. L. BANSAL)Chairman & Managing Director

vkIkdk CkSad LkHkh IkzEkq[k fOkÙkh¸k EkkUknaMksa Ikj Lkq–<+ CkUkk jgk gS TkSLkk fd Xkzkgdksa dh vkdka{kkvksa dks Ikwjk djUks d¢ fYk, vR¸kk/kqfUkd IkzkS|ksfXkdh IYksVQkEkZ Ikj fIkNYks Ok"kksaZ Eksa fd, Xk, bLkd¢ LkRkRk dk¸kZfUk"IkknUk Lks LIk"V gksRkk gSA IkzfRkCk) LkkEkwfgd dk¸kZCkYk d¢ LkkFk 19-58 fEkfYk¸kUk dk Lkq–<+ Xkzkgd vk/kkj bLkdk IkzR¸k{k IkzEkk.k gS A

CkSad d¢ LkOkksZPPk IkzCka/k OkXkZ dk vafRkEk Yk{¸k gEkkjs Pkkj IkzEkq[k EkkUkdksa vFkkZRk~ dkLkk] fjVsYk Ekh¸kknh TkEkkjkf'k;ksa] fjVsYk _.k RkFkk dM+s ,UkIkh, IkzCka/kUk }kjk CkSad dks vf/kd fLFkj Ok fOkdkLkksUEkq[k CkUkkUkk gSA CkSad d¢ vkfLRk fOkdkLk esa —f"k] ,Lk,EkbZ] Ek/¸k dkjIkksjsV RkFkk fjVsYk [k.M dks _.k IkznkUk djUks dh IkzEkq[k HkwfEkdk gS A

EkSa] Jh HkwfIkUnj UkS¸¸kj] dk¸kZdkjh funs'kd RkFkk Jh Ikh-,Ek- PkksIkM+k] va'kdkfYkd XkSj&Lkjdkjh funs'kd dk Lkg"kZ LOkkXkRk djRkk gwa fTkUgksaUks Ok"kZZ d¢ nkSjkUk funs'kd EkaMYk Eksa dk¸kZXkzg.k fd¸kkA EkSa dk¸kZdkjh funs'kd Jh ,Lk-Lkh- fLkUgk vkSj HkkjRkh¸k fjTk+OkZ CkSad d¢ UkkfEkRkh funs'kd Jh Ckh- JhfUkOkkLk dk Hkh mUkd¢ EkgROkIkw.kZ ¸kksXknkUk d¢ fYk, vkHkkjh gwa] fTkUgksaUks fOkÙkh¸k Ok"kZZ 2012&13 d¢ nkSjkUk vf/kOkf"kZRkk dh vk¸kq IkzkIRk dh A

EkSa] funs'kd eaMy dh vksj ls vkSj viuh vksj ls lHkh 'ks;j/kkjdksa }kjk izca/k oxZ ds izfr n'kkZ, x, muds fo'okl ds fy, gkÆnd /kU;okn ,oa vkHkkj izdV djrk gw¡A gEkkjs fOkPkkj Lks cSad dh lQyrk gekjs i.;/kkjd¨a }kjk cSad d¢ ewy fl)kar Lohdkj djus] xzkgd lsok dh mRdV Òkouk rFkk usrkv¨a dh fo'Okluh;rk esa fufgr gSA eSa cSad ds izR;sd deZpkjh dh leiZ.k Hkkouk rFkk gekjs fu"Bkoku xzkgdksa }kjk fn, x, lrr~ lg;ksx o laj{k.k ds fy, Hkh mudk /kU;okn djrk gw¡A eSa foŸk ea=ky;] Hkkjr ljdkj vkSj Hkkjrh; fjtoZ cSad dk] muds lrr ekxZn'kZu vkSj lg;ksx ds fy, gkÆnd vkHkkj O;ä djrk gw¡A

¼,Lk-,Yk- CkaLkYk½

v/¸k{k ,Oka IkzCkU/k fUkns'kd

9



Jh ,l- ,y- calyv/;{k ,oa izca/k funs'kd

Sh. S.L. BansalChairman & Managing Director

Jh oh- d..kudk;Zdkjh funs'kd Sh. V. KannanExecutive Director

Jherh Js;k xqgkSmt. Sreya Guha

Jh ch- JhfuoklSh. B. Srinivas

Jh ds-,p- ik.Ms;Sh. K.H. Pandey

Jh ,l-,l- f'k'kkSfn;k Sh. S.S. Shishodia

Jh lh-ih- flagSh. C.P. Singh

Jh ih-,e- pksiMkSh. P.M. Chopda

Jh ds-,l- JhfuokluSh. K.S. Sreenivasan

Jh Vh- ofYy;Iiu Sh. T. Valliappan

MkW- vkHkk prqoZsnhDr. Abha Chaturvedi

Jh ih-ch- laFkkukÑ".kuSh. P.B. Santhanakrishnan

Jh HkwfiUnj uS¸;jdk;Zdkjh funs'kd

Sh. Bhupinder NayyarExecutive Director

10



Jh 'khy dqekj 'kekZSh. Sheel Kumar Sharma

Jh lh-,e- [kqjkukSh. C.M. Khurana

Jh vrqy xkSreSh. Atul Gautam

Jh tlchj flagSh. Jasbir Singh

Jh vkj-,e- 'kekZSh. R.M. Sharma

Jh ,l-,u pksiM+kSh. S.N. Chopra

Jh vkj-ds- VDdjSh. R.K. Takkar

Jh oh-,u- lw;Zukjk;.kuSh. V.N. Suryanarayanan

Jh ds-ds- lkalhSh. K.K. Sansi

Jh ,l-ds- 'kekZSh. S.K. Sharma

Jh iznhi vxzokySh. Pradeep Aggarwal

Jh ts-,e-,- MsfoMSh. J.M.A. David

Jh ,l-lh- 'kekZSh. S.C. Sharma

Jh ds-lh- fot;oxhZSh. K.C. Vijayvargi

Jh lquhy ds- dkS'kySh. Sunil K. Kowshal

Jh oh-vkj- v¸;jSh. V.R. Iyer

Jh ,-ds- tSuSh. A.K. Jain

Jh ds-ds- vkpk;ZSh. K.K. Acharya

Jherh oh- :nzkSmt. V. Rudra

Jh ih-,l- gqMkSh. P.S. Hooda

Jh ,u-ds- pkSgkuSh. N.K. Chauhan

Jh lehj etwenkjSh. Samir Majumadar

11



,d utj dk;Zfu"iknu ijPerformance at a glance

jkf'k ¼djksM+ #i, esa½@Amount (Rs. in Crore)

foÙk o"kZ ds var esa 2008-09 2009-10 2010-11 2011-12 2012-13

For the Financial Year ended

iwath ,oa vkjf{kr fuf/k@Capital and reserves 7403.45 8237.95 11097.14 11942.50 12775.54

dqy tekjkf'k;ka@Total Deposits 98368.85 120257.59 139054.26 155964.92 175897.52

vfxze ¼fuoy½@Advance (Net) 68500.37 83489.30 95908.22 111977.69 128955.06

izkFkfedrk izkIr {ks=@Priority Sector 22315.07 29383.61 35650.71 40526.54 46780.39

ftlesa ls@of which :

(i) Ñf"k@Agriculture 8614.03 11267.51 12721.13 15411.10 17881.41

(ii) lw{e ,oa y?kq m|e@Micro & Small Enterprises 5576.33 10868.81 15844.45 17978.48 20944.58

(iii) vU;@Others 8124.71 7247.29 7085.13 7136.96 7954.40

dqy vkfLr;ka@ns;rk,a@Total Assets/Liabilities 112582.59 137430.99 161343.37 177534.58 200697.20

dqy vk;@Total Income 9927.79 11457.17 13047.89 17055.13 19359.49

dqy O;;@Total Expenditure 9037.37 10322.49 11545.02 15913.57 18031.54

o"kZ dk fuoy ykHk/Net Profit for the year 890.42 1134.68 1502.87 1141.56 1327.95

'kk[kkvksa dh la[;k ¼okLrfod½@No. of Branches (in actuals) 1401 1508 1620 1772 2000

deZpkfj;ksa dh la[;k ¼okLrfod½@No. of Employees (in actuals) 14656 15358 16618 18371 18891

12



ORIENTAL BANK OF COMMERCE(A Govt. of India Undertaking)

Head Office : Harsha Bhawan, E-Block, Connaught Place, New Delhi - 110001Corporate Office : Plot No. 5, Sector-32, Institutional Area, Gurgaon - 122001

NOTICENotice is hereby given that the 19th Annual General Meeting of the shareholders of Oriental Bank of Commerce will be held on Monday, 17th June 2013 at 10.00 a.m at PHD Chamber of Commerce and Industry, PHD House, 4/2, Siri Institutional Area, August Kranti Marg, New Delhi – 110016, to transact the following business:

Item No.1 : To discuss, approve and adopt the Balance Sheet of the Bank as at 31st March 2013, Profit and Loss Account of the Bank for the year ended 31st March 2013, the Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditors Report on the Balance Sheet and Accounts.

Item No. 2: To declare dividend on equity shares for the financial year 2012-2013.

Gurgaon A. K. JAIN16th May 2013 General Manager

vksfj;UVy cSad vkWQ dkWelZ¼Hkkjr ljdkj dk miØe½

iz/kku dk;kZy; % g"kZ Hkou] bZ&CykWd] dukWV Iysl] ubZ fnYyh&110001dkWji¨jsV dk;kZy; % IyWkV ua&5] lsDVj &32] baLVhV;w'kuy ,fj;k] xqM+xkao&122001

lwpuk

,rn~}kjk lwfpr fd;k tkrk gS fd vksfj;UVy cSad vkWQ dkWelZ ds 'ks;j/kkjdksa dh 19 oha okÆ"kd vke cSBd l¨eOkkj] 17 twu] 2013 dks izkr% 10-00 cts ih,pMh pSEcj vkWQ+ dkWelZ ,.M baMLVªh] ih,pMh gkml] 4@2] lhjh baLVhV~¸kw'kuy ,fj;k]vxLr Økafr ekxZ]ubZ fnYyh&110016 esa vk;ksftr gksxh] ftlesa fuEufyf[kr dk;Z fd, tk,axs%-

en la[;k 1- cSad ds 31 ekpZ] 2013 ds rqyui= rFkk 31 ekpZ] 2013 dks lekIr o"kZ dk ykHk&gkfu ys[kk] ys[kksa esa yh xbZ vof/k gsrq cSad ds dk;Zpkyu v©j dk;Zdykiksa ij funs'kd eaMy dh fjiksVZ rFkk rqyui= ,oa ys[kksa ij ys[kkijh{kdksa dh fjiksVZ ij ppkZ djuk] vuqe¨nu djuk rFkk bUgsa viukuk A

en la[;k 2- foÙk o"kZ 2012&2013 gsrq bfDoVh 'ks;jksa ij ykHkka'k ?kksf"kr djukA

xqM+xkao ¼,-d¢- tSu½16 ebZ] 2013 egkÁca/kd

13



NOTES VOTING RIGHTSIn terms of provisions of Section 3 (2E) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 no shareholder of the Bank other than Central Government shall be entitled to exercise voting rights in respect of the shares held by him in excess of one percent of the total voting rights of all the shareholders of the bank.APPOINTMENT OF PROXYA SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE MEETING IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE INSTEAD OF HIMSELF/HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK. The proxy form in order to be effective, must be received at the Corporate Office of the Bank before the closing hours of the Bank on 12th June, 2013.APPOINTMENT OF AUTHORISED REPRESENTATIVENo person shall be entitled to attend or vote at the Annual General Meeting as a duly authorized representative of any body corporate which is a shareholder of the Bank, unless a copy of the resolution appointing him/her as a duly authorized representative, certified to be true copy by the Chairman of the meeting at which it was passed, shall have been deposited at the Corporate Office of the Bank before the closing hours of the Bank on 12th June, 2013.No person shall be appointed as a proxy / authorized representative who is an officer or an employee of Oriental Bank of Commerce. The proxy so appointed shall not have any right to speak at the Meeting. CLOSURE OF REGISTER OF MEMBERSThe Register of Shareholders and Share Transfer Books will remain closed from 10th June 2013 to 17th June 2013 (both days inclusive) for determining eligibility of shareholders for the purpose of dividend. PAYMENT OF DIVIDENDThe dividend, as proposed by the Board, if declared at the Annual General Meeting , will be paid on 16th July 2013 to those shareholders who stand registered on the Bank's Register of Members on 9th June 2013 (through demat) or have submitted shares for transfer (physical) by that date.The dividend warrants dated 16.07.2013 to such shareholders would be mailed or dividend amount will be credited through NECS or other approved electronic mode by the Bank through the Share Transfer Agent, viz., M/s MCS Limited, on 16th July 2013.DETAILS OF BANK ACCOUNT IN DIVIDEND WARRANT/ NATIONAL ELECTRONIC CLEARING SERVICE (NECS)SEBI has made it mandatory for all the listed companies, including banks, to mention in the dividend warrant, the Bank Account details furnished by the shareholders, while distributing dividends as well as to use the National Electronic Clearing Service (NECS) facility wherever available. Direct credit to the bank account of the shareholder is done through NECS as specified by the Reserve Bank of India. NECS facility is available provided the account of shareholder is with Core Banking Solution (CBS) branch of bank (All branches of your bank are in CBS) and the beneficial owners have got

fVIif.k;kaernku ds vf/kdkjcSaddkjh dEiuh ¼miØeksa dk vtZu rFkk varj.k½ vf/kfu;e 1980 dh /kkjk 3¼2bZ½ ds izko/kkuksa ds vuqlkj dsUnz ljdkj ls fHkUu cSad dk dksbZ Hkh 'ks;j/kkjd] vius ikl j[ks x, cSad ds lHkh 'ks;j/kkjdksa ds dqy erkfèkdkj ds 1 izfr'kr ls vf/kd 'ks;jksa ds laca/k esa ernku ds vfèkdkj dk iz;ksx djus dk gdnkj ugha gksxkA

izkWDlh dh fu;qfäbl cSBd esa Hkkx ysus vkSj er nsus dk gdnkj 'ks;j/kkjd cSad dh bl cSBd esa Hkkx ysus vkSj er nsus ds fy, vius LFkku ij izkWDlh fu;qä dj ldrk gS vkSj ,sls izkWDlh dk cSad dk 'ks;j/kkjd gksuk vko';d ugha gSA izkWDlh dks izHkkoh cukus gsrq izkWDlh QkeZ 12 TkwUk] 2013 dks cSad ds dk;Z ?kaVs lekIr gksus ls igys cSad ds dkWjIkksjsV dk;kZy; esa vo'; izkIr gks Tkkuk Pkkfg, A

Ikzkf/kÑRk IkzfRkfUkf/k dh fUk¸kqfDRkdksbZ O¸kfDRk fdLkh dkWjIkksjsV fUkdk¸k] Tkks CkSad dk 'ks¸kj/kkjd gS] d¢ fOkf/kOkRk~ Ikzkf/k—Rk IkzfRkfUkf/k d¢ :Ik Eksa Okkf"kZd vkEk CkSBd Eksa HkkXk Ukgha Yks Lkd¢Xkk vFkOkk EkRknkUk Ukgha dj Lkd¢Xkk TkCk Rkd fd mLks fOkf/kOkRk~ Ikzkf/k—Rk IkzfRkfUkf/k d¢ :Ik Eksa fUk¸kqDRk djUks OkkYks LkadYIk dh ,d IkzfRk] Tkksfd mLk CkSBd d¢ v/¸k{k }kjk] fTkLkEksa Okg IkkfjRk fd¸kk Xk¸kk gks] LkR¸kIkzfRk IkzEkkf.kRk dh Xk¸kh gks] 12 TkwUk] 2013 dks CkSad dk dk¸kZ LkEk¸k LkEkkIRk gksUks Lks IkgYks] CkSad d¢ dkWjIkksjsV dk¸kkZYk¸k Eksa TkEkk Ukgha djk nh TkkRkhAvksfj¸kUVYk CkSad vkWQ dkWEkLkZ dk dksbZ Hkh vf/kdkjh ¸kk dEkZPkkjh IkzkWDLkh@Ikzkf/k—Rk IkzfRkfUkf/k d¢ :Ik Eksa fUk¸kqDRk Ukgha fd¸kk Tkk Lkd¢Xkk A bLk Ikzdkj Lks fUk¸kqDRk IkzkWDLkh dks CkSBd Eksa CkksYkUks dk vf/kdkj Ukgha gksXkk A

lnL;ksa dk jfTkLVj cUn gksukYkkHkka'k gsRkq 'ks¸kj/kkjdksa dh Ikk«kRkk fUk/kkZfjRk djUks d¢ fYk, 'ks;j/kkjdksa dk jftLVj rFkk 'ks;j varj.k cgh 10 TkwUk] 2013 ls 17 TkwUk] 2013 ¼nksuksa fnu 'kkfey) rd cUn jgsaxhA

ykHkka’k dk HkqxrkueaMy }kjk IkzLRkkfOkRk ykHkka'k] ;fn okÆ"kd vke cSBd esa ?kksf"kr fd;k TkkRkk gS] rks mldk Hkqxrku mu lnL;ksa dks] fTkuds uke 9 TkwUk] 2013 dks cSad ds lnL;ksa ds jfTkLVj esa nTkZ gksaXks ¼Mh eSV ds Tkfj,) ;k fTkUgksaUks ml frfFk rd varj.k ¼ewrZ) gsrq vius “ks;j Tkek djk fn, gksaXks] dks 16 tqykbZ] 2013 dks fd;k tk,xkA,sls 'ks;j/kkjdksa dks ykHkka'k okjaV ¼16-07-2013½ cSad }kjk 'ks;j vaRkj.k ,TksaV vFkkZr~ eS- ,elh,l fyfeVsM ds ek/;e ls ,ubZlh,l vFkok vU; vuqeksfnr bysDVªkWfud i)fr ls 16 tqykbZ] 2013 dks HksTk fn, Tkk,axs ;k ykHkka'k jkf'k Tkek dj nh Tkk,xh A

ykHkka'k okjaV esa cSad ys[ks dk fooj.k@Uks'kUkYk bysDVªkWfud lek'kks/ku lsok ¼,UkbZlh,l½lsch us cSadksa lfgr lHkh LkwPkhCk) dEifu;ksa ds fy, ykHkka'k okjaV forfjr djrs le; ykHkka'k okjaV esa 'ks;j/kkjd }kjk fn, x, cSad [kkrs dk fooj.k nsUkk rFkk Tkgka Hkh Uks'kUkYk bysDVªkWfud lek'ks/ku lsok ¼,UkbZLkh,l) lqfo/kk mIkYkC/k gks] mLkdk mi;ksx djuk vfuok;Z dj fn;k gSA Hkkjrh; fjTkoZ cSad }kjk fofuÆn"V fd, x, vuqlkj 'ks;j/kkjdksa ds cSad [kkrs esa lh/ks ØsfMV ,ubZlh,l ds ek/;e ls fd;k TkkRkk gSA ,ubZlh,l lqfoèkk miyC/k gS] c'krsZa 'ks;j/kkjd dk [kkrk cSad dh dksj cSafdax lkWY;w'ku ¼lhch,l½ 'kk[kk esa gksa ¼vkids cSad dh lHkh 'kk[kk,a lhch,l esa gSS½ rFkk ykHkxzkgh Lokeh dk bZ&ØsfMV vf/kns'k mldh Mhih lfgr ntZ

14



E-credit mandate recorded with their DP and shareholders holding shares in physical form have got E-credit mandate recorded with RTA. In the absence of NECS facility at certain centres and in the event of some shareholders not availing such facility, the Bank shall print the Bank details, as available with it in the dividend warrants. The shareholders who are holding the shares in physical form are requested to send their NECS Mandate (Form funished in the Annual Report) to Investor Services Department of the Bank or to our Share Transfer Agent MCS Ltd., New Delhi, for necessary updating of the records. The shareholders who are holding the shares in demat form, are requested to approach their Depository Participant for necessary action in this connection. UNCLAIMED DIVIDEND, IF ANYAs per the provisions of Section 10B of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, the amount of dividend remaining unpaid or unclaimed for a period of seven years is required to be transferred to the Investor Education and Protection Fund (IEPF) established by the Central Govt. under Section 205C of the Companies Act, 1956, and thereafter no claim for payment shall lie in respect thereof either to the Bank or to the IEPF. The shareholders who have not received or claimed Bank's dividend till now are requested to contact the Share Transfer Agent of the Bank, MCS Ltd. for issue of duplicate dividend warrant. The shareholders who have not received or claimed dividend for the years 1994-95 to 2005-06 as per Bank’s record due to be transferred to IEPF on 16.10.2013 have been sent individual letters requesting to contact the Share Transfer Agent of the Bank for issue of duplicate dividend warrant. INFORMATION ON ACCOUNTSShareholders seeking any information with regard to accounts are requested to write to the Bank at least seven days in advance of the Annual General Meeting so as to enable the Bank to keep the information ready.ATTENDANCE SLIP CUM ENTRY PASSThe members/proxies should bring the attendance slip cum entry pass, sent herewith, duly completed at the venue. On admission, an entry pass will be given which should be kept till end of the meeting.REQUEST TO THE SHAREHOLDERS y Shareholders are requested to bring their copies of the

Annual Report and valid photo identity card to the meeting. y For change of address or email id, shareholders are

requested to notify change in address / email id to their respective Depository Participant in respect of electronic holding of shares and to the RTA in case of physical holding.

y Shareholders may kindly note that no gift/gift coupon will be distributed at the meeting.

y Due to strict security reasons brief cases, eatables and other belongings are not allowed inside the Auditorium. Persons attending the meeting are therefore advised to make their own arrangements for safe keeping of their articles.

y Shareholders who hold shares in physical form in multiple folios in identical names or joint names in the same order of names are requested to send their share certificates to MCS Ltd. for consolidation into single folio.

djk;k x;k gks rFkk ewrZ :i ls 'ks;j j[kus okys 'ks;j /kkjdksa }kjk viuk bZ&ØsfMV vf/kns'k vkjVh, esa ntZ djk;k x;k gksA dqNsd dsaæksa esa ,ubZlh,l lqfo/kk u gksus ij vkSj dqN 'ks;j/kkjdksa }kjk bLk lqfoèkk dk ykHk u mBk, Tkkus dh fLFkfr esa] cSad vIkUks IkkLk miyC/k cSad fooj.k ykHkka'k okjaVksa esa fIkzaV djk,XkkA fTku 'ks;j/kkjdksa ds ikl 'ks;j ewrZ :i esa gksa] os vius ,ubZlh,l vfèkns'k ¼QkeZ okf"kZd fjiksVZ esa fn;k x;k gS½ laca/kh fooj.k cSad ds fuos'kd lsok foHkkx vFkok gekjs 'ks;j vaRkj.k ,TksaV ,elh,l fyfeVsM] ubZ fnYyh dks fjdkMZ esa vko';d la'kks/ku djus gsrq HksTk ldrs gSaA fTku 'ks;j/kkjdksa ds ikl vewrZ :i esa 'ks;j gSa] os bl laca/k esa vko';d dk;Zokgh gsrq viuh fu{ksikxkj LkgHkkXkh ls laidZ dj ldrs gSa A

vnkokÑr ykHkka’k] ;fn dksbZ gkscSaddkjh daiuh ¼miØeksa dk vTkZUk ,oa varj.k½ vf/kfu;e 1980 dh èkkjk 10 ch ds vuqlkj] lkr o"kZ dh vof/k rd viznŸk vFkok vnkok—r ykHkka'k dh jkf'k dks daiuh vf/kfu;e] 1956 dh /kkjk 205 Lkh ds rgr dsUæ ljdkj }kjk LFkkfir fuos'kd f'k{kk vkSj laj{k.k fuf/k ¼vkbZbZih,Q) esa varfjr fd;k Tkkuk visf{kr gS vkSj rRi'Pkkr~ cSad vFkok vkbZbZih,Q dks bl laca/k esa HkqXkRkkUk gsRkq dksbZ nkOkk Ukgha jgsXkkAfTku 'ks;j/kkjdksa dks vHkh Rkd YkkHkka'k IkzkIRk Ukgha gqvk gS ¸kk fTkUgksaUks bLkd¢ fYk, nkOkk Ukgha fd¸kk gS] mUkLks vUkqjks/k gS fd Oks MqIYkhd¢V YkkHkka'k OkkjaV Tkkjh djkUks d¢ fYk, CkSad d¢ 'ks¸kj vaRkj.k ,TksaV ,EkLkh,Lk fYkfEkVsM Lks LkaIkdZ djsaA fTkUk 'ks¸kj/kkjdksa dks CkSad d¢ fjdkWMZ d¢ vUkqLkkj Ok"kZ 1994&95 Lks 2005&06 Rkd d¢ YkkHkka'k] Tkksfd 16-10-2013 dks vkbZbZIkh,Q Eksa varfjr gksUks gSa] izkIr ugha gq, gSa ;k ftlds fy, mUgksaus nkok ugha fd;k gS] mUgsa bLk vUkqjks/k d¢ LkkFk O;fDrxr Ik«k HksTks Xk, gSa fd MqIYkhd¢V YkkHkka'k OkkjaV Tkkjh djUks d¢ fYk, Oks CkSad d¢ 'ks¸kj vaRkj.k ,TksaV Lks LkaIkdZ djsa A

ys[kksa Lks LkaCkaf/kRk lwPkukys[kksa ds laca/k esa fdlh izdkj dh lwPkuk Pkkgus okys 'ks;j/kkjdksa ls vuqjks/k gS fd os bl laca/k esa okÆ"kd vke cSBd ls de ls de lkr fnu igys cSad dks fy[ksa rkfd cSad lacaf/kr lwPkuk rS;kj j[k ldsA

mifLFkfr IkPkhZ Lkg IkzOks'k Ik=lnL;@izkWDlh blds lkFk HksTkh Tkk jgh mifLFkfr iPkhZ Lkg IkzOks'k Ik«k iwjh rjg Hkjdj cSBd LFky ij yk,aA IkzOks'k ds le;] vkidks IkzOks'k Ik«k fn;k Tkk,Xkk] fTkLks cSBd lekIr gksus rd vius ikl j[ksaA

'ks¸kj/kkjdksa Lks vUkqjks/k y 'ks;j/kkjdksa ls vuqjks/k gS fd os cSBd esa okÆ"kd fjiksVZ dh viuh

izfr vkSj OkS/k QksVks IkgPkkUk Ik«k lkFk yk,aA y IkRks@bZEksYk vkbZMh Eksa IkfjOkRkZUk d¢ fYk, 'ks¸kj/kkjd —Ik¸kk 'ks¸kj

vEkwRkZ :Ik Eksa gksUks dh fLFkfRk Eksa vIkUks LkaCkaf/kRk fUk{ksIkkXkkj LkgHkkXkh dks vkSj EkwRkZ :Ik Eksa gksUks Ikj vkjVh, dks IkfjOkRkZUk LkaCka/kh LkwPkUkk nsaA

y 'ks;j/kkjd —i;k uksV djsa fd cSBd esa dksbZ migkj@migkj dwiu ugha ckaVs Tkk,axsA

y dM+s lqj{kk dkj.kksa ls vkWfMVksfj;e ds vanj czhQdsl] [kk| inkFkZ rFkk vU; lkeku ys Tkkus dh vuqefr ugha gSA vr% cSBd esa Hkkx ysus okys lnL;ksa dks lwfPkr fd;k Tkkrk gS fd os vius lkeku dh lqj{kk gsrq LOk¸ka viuh O;oLFkk djsaA

y fTkUk 'ks¸kj/kkjdksa d¢ IkkLk UkkEkksa d¢ LkEkkUk ØEk Eksa] ,d TkSLks UkkEkksa Eksa vFkOkk Lka¸kqDRk UkkEkksa Eksa ,d Lks vf/kd QksfYk¸kks d¢ 'ks¸kj EkwRkZ :Ik Eksa gS] mUkLks vUkqjks/k gS fd Oks bUgsa ,d gh QksfYk¸kks Eksa LkEksfdRk djUks ds fy, ,EkLkh,Lk fYkfEkVsM dks HksTksaA

15



DIRECTORS' REPORT 1. BUSINESS OPERATIONS The Business of the Bank stood at Rs.306083.69 crores as on 31st March, 2013 as against Rs.269014.73 crores in the previous year. Total deposits of the Bank stood at Rs.175897.52 crores and have shown an increase of Rs.19932.60 crore depicting a growth of 12.78%. Cost of deposit stood at 7.90% as against 7.69% for financial year 2011-12. With the decreasing interest rate regime during the starting of the financial year 2012-13, though the bank has cautiously introduced special schemes to procure deposits, yet it has adversely impacted the cost of deposit which for the year ended 31.03.2013 increased to 7.90% from 7.69% for the year ended 31.03.2012.However, the Bank has considerably reduced high cost bulk deposits during the year. As a result of the above, the ratio of bulk deposits has decreased from 27.56% as on 31.03.2012 to 20.26% as on 31.03.2013. On the other hand, net advances as at end-March 2013 stood at Rs.128955.06 crore, registering a growth of 15.16%. During the fiscal 2012-13, yield on advances has increased to 12.27% from previous year’s level of 12.16%. The measures taken up by the bank to improve yield on advances through lending to SME, Mid Corporate and Retail sector has enabled the bank to improve the yield on advances. The credit deposit ratio of the Bank, as at end-March 2013, stood at 74.10%. The Bank ensured adequate flow of credit to the productive sectors of the economy. The Loans & Advances portfolio of the bank is well diversified and balanced. 2. CAPITAL & RESERVESDuring the year, the bank transferred a sum of Rs.1014.23 crore to Reserves (comprising Rs.332.00 crore transferred to Statutory Reserves, Rs.223.00 crore to Special Reseve under IT Act, Rs.5.22 crore to Investment Reserve Account, Rs.442.00 crore to Revenue and Other Reserves and Rs.12.01 crore to Capital Reserve) out of the profit for the year 2012-13. With this, capital & reserves as on March 31, 2013 have gone upto Rs.12775.54 crore as against Rs.11942.50 crore as at end March 2012 and the ratio of Capital & Reserves to average working funds stood at 6.87% as on 31.03.2013 as against 7.00% as on 31st March 2012.3. CAPITAL ADEQUACY RATIOThe Bank’s Capital Risk Weighted Assets Ratio (CRAR) as on 31.03.2013 under Basel II guidelines (applicable up to 31.03.2013) stood at 12.04% as against 12.69% as on 31.03.2012. This is above the regulatory minimum requirement of 9%.4. FINANCIAL PERFORMANCEThe Bank has posted a total income of Rs.19359.49 crore during the year as against Rs.17055.13 crore last year thus registering an increase of Rs.2304.36 crore showing a growth of 13.51% during the fiscal 2012-13. Operating Profit of the Bank has increased to Rs.3690.69 crore as against Rs.3140.58 crore last year showing a growth of 17.52% The Bank has earned a net profit of Rs.1327.95 crore, after making all requisite provisions showing an increase of Rs.186.39 crore, a growth of 16.33% during the fiscal 2012-13.

funs’kdksa dh fjiksVZ1- dkjksCkkj ifjpkyu

cSad dk dqy dkjksckj fiNys o"kZ ds 269014-73 djksM+ #i, dh rqyuk esa 31 ekpZ] 2013 dks 306083-69 djksM+ #i, rd igqap x;kA cSad dh dqy tekjkf'k;ka 175897-52 djksM+ #i, jgha ftuesa 12-78% dh of) ntZ djrs gq, 19932-60 djksM+ #i, dh of) gqbZA tek ykxr foŸkh; o"kZ 2011&12 d¢ 7-69% d¢ eqdkcys 7-90% jghA fOkÙkh¸k Ok"kZ 2012&13 d¢ vkjaHk Eksa ?kVRkh gqbZ C¸kkTk njksa dks /¸kkUk Eksa j[kRks gq, CkSad Uks LkkOk/kkUkh CkjRkRks gq, TkEkkjkf'k¸kka IkzkIRk djUks d¢ fYk, fOk'ks"k ¸kksTkUkk,a vkjaHk dh] fQj Hkh bLkUks TkEkk YkkXkRk Ikj fOkIkjhRk IkzHkkOk MkYkk vkSj ¸kg 31-03-2012 dks LkEkkIRk Ok"kZ d¢ 7-69% d¢ EkqdkCkYks 31-03-2013 dks LkEkkIRk Ok"kZ Eksa Ck<+dj 7-90% gks XkbZA rFkkfi CkSad Uks Ok"kZ d¢ nkSjkUk mPPk YkkXkRk OkkYkh Fkksd tekjkf'k;kas dks dkQh gn rd ?kVk;kA mIkjksDRk d¢ Ikfj.kkEkLOk:Ik Fkksd TkEkkjkf'k¸kksa dk vUkqIkkRk Ok"kZ 31-03-2012 d¢ 27-56% dh RkqYkUkk Eksa ?kVdj 31-03-2013 Eksa 20-26% gks Xk¸kkA nwljh vksj ekpZ] 2013 ds var esa fuoy vfxze 15-16% dh o`f) ntZ djrs gq, 128955-06 djksM+ #i, gks Xk,A jktdks"kh; o"kZ 2012&13 ds nkSjku] vfxzeksa ij vk; fiNys o"kZ ds 12-16% ls c<+dj 12-27% g¨ xbZA cSad }kjk ,l,ebZ e/; dkjiksjsV rFkk fjVsy {ks= dks _.k nsdj vfxzeksa ij vk; c<+kus ds fy, fd, Xk, mik;ksa ls vfxzze¨a ij vk; esa lq/kkj gqvkA

cSad dk _.k tek vuqikr ekpZ] 2013 ds var esa 74-10% jgkA cSad us vFkZO;oLFkk ds mRiknuijd {ks=ksa dks i;kZIr _.k izokg lqfuf'Pkr fd;kA cSad dk _.k ,oa vfxze lafoHkkx lqfoLr`r vkSj larqfyr gSA

2- iwath vkSj vkjf{kr fuf/k

vkyksP; o"kZ ds nkSjku] cSad us Ok"kZ 2012&13 ds ykHk esa ls 1014-23 djksM+ #i, vkjf{kr fuf/k;ksa esa varfjr fd, ¼blesa lkafof/kd vkjf{kr fuf/k Eksa varfjr 332-00 djksM+ #i,] vk¸kdj vf/kfUk¸kEk d¢ vaRkXkZRk fOk'ks"k vkjf{kRk fUkf/k Eksa varfjr 223-00 djksM+ #i,] fofUk/kku vkjf{kRk fUkf/k Eksa vaRkfjRk 5-22 djksM+ #i,] jkTkLOk RkFkk vU¸k vkjf{kRk fUkf/k esa varfjr 442-00 djksM+ #i, ,Oka IkwaTkh vkjf{kRk fUkf/k Eksa vaRkfjRk 12-01 djksM+ #Ik, 'kkfEkYk gSa½A blls 31 ekpZ] 2013 dks cSad dh iwath ,oa vkjf{kr fuf/k;ka ekpZ] 2012 ds 11942-50 djksM+ #i, ls c<+dj 12775-54 djksM+ #i, gks xbZa rFkk vkSlr dk;Z'khy fuf/k;ksa dh rqyuk esa iwath ,oa vkjf{kr fuf/k dk vuqikr 31-03-2013 dks 6-87% jgk tcfd 31 ekpZ] 2012 dks ;g 7-00% FkkA

3- iwath i;kZIrrk vuqikr

31 ekpZ] 2013 dks cklsyAA d¢ EkkXkZfUknsZ'kksa ¼31-03-2013 Rkd YkkXkw½ d¢ varxZr cSad dk IkwaTkh Tkksf[kEk HkkfjRk vkfLRk vuqikr ¼lhvkj,vkj½ 31 ekpZ] 2012 ds 12-69% dh rqyuk esa 12-04% jgkA ;g 9% dh U;wure fUk¸kkEkd vis{kk ls vf/kd gSA

4- foÙkh; dk;Zfu"iknu

jktdks"kh; o"kZ 2012&13 ds nkSjku cSad dh dqy vk; fiNys o"kZ dh 17055-13 djksM+ #i, dh rqyuk esa 19359-40 djksM+ #i, jgh vkSj blesa 2304-36 djksM+ #i, dh o`f) d¢ LkkFk 13-51% dh o`f) ntZ dh xbZA cSad dk ifjpkyu ykHk 17-52% dh o`f) ntZ djrs gq, fiNys o"kZ ds 3140-58 djksM+ #i, dh rqyuk esa c<+dj 3690-69 djksM+ #i, g¨ x;kA jktdks"kh; o"kZ 2012&13 ds nkSjku lHkh visf{kr izko/kku djus d¢ ckn cSad dk fuoy ykHk 186-39 djksM+ #i, vFkkZRk~ 16-33% dh o`f) ntZ djrs gq, 1327-95 djksM+ #i, jgkA

16



Financial performance including appropriation from the Net Profit is given below:-Table 1: Financial Performance (Rupees in crore)

31.03.2013 31.03.2012

Interest Income 17704.78 15814.88

Other Income 1654.71 1240.25

Total Income 19359.49 17055.13

Interest Paid 13003.62 11599.09

Operating Expenses 2665.18 2315.46

Total Expenses 15668.80 13914.55

Operating Profit 3690.69 3140.58

Provisions & Contingencies 2362.74 1999.02

Net Profit 1327.95 1141.56

Add-Profit brought forward 0.49 0.79

Net Profit available for appropriation 1328.44 1142.35

APPROPRIATION

Transfer to Statutory reserve 332.00 286.00

Transfer to Revenue and Other reserves 442.00 16.00

Transfer to Special Reserve u/s 36 (1)(viii) of I-T Act 223.00 565.00

Transfer to capital reserve 12.01 6.98

Investment Reserve Account 5.22 ---

Proposed Dividend 268.42 230.49

Tax on Dividend 45.62 37.39

Balance carried over to Balance Sheet 0.17 0.49

5. DIVIDENDYour Bank’s policy of declaring dividend is to reward the share holders as well as to plough back profit for maintaining a healthy capital adequacy ratio & for supporting future growth. Accordingly, your Directors are pleased to propose a total dividend of 92.00 % (i.e Rs.9.20 per share) for the year ended 31st March, 2013 as against 79.00 %(i.e. Rs.7.90 per share) paid for the preceding year.

6. SECTORAL DEPLOYMENT OF CREDIT TO PRIORITY SECTOR

Bank’s advances to priority sector increased by Rs 6254 crore from Rs. 40527 crore in March 2012 to Rs. 46780 crore in March 2013, registering a growth of 15.43%. The Priority Sector Advances constituted 41.78% of the Adjusted Net Bank Credit (ANBC) against the stipulation of 40%. The comparative position of advances under various segments under Priority Sector at the end of March 2012 and March 2013 are as follows:

fuoy ykHk esa ls fofu;kstu LkfgRk fOkÙkh¸k dk¸kZfUk"IkknUk fUkEUkkUkqLkkj gS%&rkfydk&1 foÙkh; dk;Zfu"iknu ¼djksM+ #- esa½

31.03.2013 31.03.2012

C;kt vk; 17704.78 15814.88

vU; vk; 1654.71 1240.25

dqy vk; 19359.49 17055.13

iznŸk C;kt 13003.62 11599.09

ifjpkyu O;; 2665.18 2315.46

dqy O;; 15668.80 13914.55

ifjpkyu ykHk 3690.69 3140.58

izko/kku ,oa vkdfLedrk,a 2362.74 1999.02

fuoy ykHk 1327.95 1141.56

tksfM+,&vkxs yk;k x;k ykHk 0.49 0.79

fofu;kstu gsrq miyC/k fuoy ykHk 1328.44 1142.35

fofu;kstu

lkafof/kd vkjf{kr fuf/k esa varj.k 332.00 286.00

jktLo rFkk vU; vkjf{kr fuf/k esa varj.k 442.00 16.00

vk;dj vf/kfu;e dh /kkjk 36¼1½ (viii) ds varxZr fo'ks"k vkjf{kr fuf/k esa varj.k

223.00 565.00

iwath vkjf{kr fuf/k esa varj.k 12.01 6.98

fuos'k vkjf{kRk fuf/k [kkRkk 5.22 ---

izLrkfor ykHkka'k 268.42 230.49

ykHkka'k ij dj 45.62 37.39

rqyui= esa Yks Tkk¸kk x;k 'ks"k 0.17 0.49

5- ykHkka’k

vkids cSad dh ykHkka'k ?kksf"kr djus dh uhfr 'ks;j/kkjdksa dks mfpr izfrQy nsus rFkk LoLFk iwath i;kZIÙk vuqikr cuk, j[kus vkSj Hkkoh fodkl esa lg;ksx djus gsrq ykHk ds iquÆuos'k ij vk/kkfjr gSA rnuqlkj] vkids funs'kd 31 ekpZ 2013 dks lekIr o"kZ ds fy, 92-00% ¼vFkkZr~ 9-20 #i, izfr 'ks;j½ dk dqy ykHkka'k nsus dk lg"kZ IkzLRkkOk djrs gS tcfd fiNys o"kZ ;g 79-00% ¼vFkkZr~ 7-90 #i, izfr 'ks;j½ FkkA

6- IkzkFkfEkdRkk IkzkIRk {ks«k dks fn, _.k dk {ks«kOkkj fUk¸kksTkUk

CkSad }kjk IkzkFkfEkdRkk IkzkIRk {ks«k dks fn, Xk, vfXkzEkksa Eksa 15-43% dh Ok`f) nTkZ djRks gq, 6254 djksM+ #- dh Ok`f) gqbZ Tkks EkkPkZ] 2012 d¢ 40527 djksM+ #Ik, Lks Ck<+dj EkkPkZ] 2013 Eksa 46780 djksM+ #Ik, gks Xk,A IkzkFkfEkdRkk IkzkIRk {ks«k d¢ vfXkzEk 40% dh vIks{kk dh RkqYkUkk Eksa CkSad d¢ LkEkk¸kksfTkRk fUkOkYk CkSad _.kksa ¼,,UkCkhLkh½ dk 41-78% jgsA EkkPkZ] 2012 RkFkk EkkPkZ] 2013 d¢ vaRk Eksa IkzkFkfEkdRkk IkzkIRk {ks«k d¢ fOkfHkUUk [kaMksa d¢ vaRkXkZRk vfXkzEkksa dh RkqYkUkkREkd fLFkfRk fUkEUkkUkqLkkj gS%

17



(Amount Rs. in crore)

S. No. Sector March 2012 March 2013

1. Priority sector credit 40527 46780

2. Agriculture 15411 17881

3. Direct Agriculture 11860 13866

4. Indirect Agriculture 3551 4015

5. SSI / SE 17978 20945

6. Educational Loan 1124 1172

7. Housing Loan 5982 6753

6.1 Agriculture AdvancesBank’s advances to agriculture increased by Rs. 2470 crore from 15411 crore in March 2012 to Rs.17881 crore in March 2013, registering a growth of 16.03%. The advances to direct agriculture segment increased by Rs.2006 crore from Rs.11860 crore as on 31.3.2012 to Rs.13866 crore as on 31.3.2013 constituting a growth of 16.91%. The Indirect agriculture advances increased by Rs.464 crore from Rs.3551 crore as on 31.3.2012 to Rs.4015 crore as on 31.3.2013 showing an increase of 13.07%.

6.1.1. Flow of credit to Agriculture sector (Disbursement)During the financial year 2012-13, flow of credit to agriculture sector amounted to Rs. 10986.00 crore.

6.1.2. Small and Medium Enterprises (SMEs)Bank’s exposure to Small Enterprises stood at Rs 20945 crore at the end of March, 2013 and has shown an increase of Rs. 2967 crore, recording a growth of 16.50% against the Year-on-Year growth stipulation of 20%. Further, SME advances increased by Rs.5,886 crore to Rs.26,013 crore registering a growth of 29.25%. The Micro Enterprises sector advances increased by Rs.1700 crore to Rs.7746 crore posting a growth of 28.11%. Bank has covered 2338 fresh accounts amounting to Rs. 296.53 Crore during the FY 2012-13 under CGTMSE.

6.1.3. Oriental Green Card (OGC) & Oriental Kisan Gold Card (OKGC)

During the Financial Year 2012-13, Bank has issued 1,25,011 cards to farmers to meet their credit requirement for crop production, repairing of agricultural machinery & equipment, working capital for allied activities, to repay their old debts taken from non institutional money lenders and consumption needs. The total amount of loan disbursed through these cards during the year was Rs.3442.57 crore. Bank has issued 45,123 ATM debit cards to OGC holders up to March 2013 and 2,02,384 ATM cards have been issued in KCC as on 17.05.2013.

6.1.4. Advances to Weaker SectionsAdvances to weaker sections, consisting of beneficiaries belonging to scheduled castes/scheduled tribes, small and marginal farmers, landless labourers, rural artisans, beneficiaries under Central Govt. Sponsored Schemes (except PMEGP) was Rs. 11549 crore as on 31.03.2013 against Rs. 8703 crore as on 31.03.2012. Bank has achieved the target of 10% of ANBC to Weaker Sections.

¼jkf'k djksM #- Eksa½

Ø-Lka- {ks«k EkkPkZ] 2012 EkkPkZ] 2013

1. IkzkFkfEkdRkk IkzkIRk {ks«k dks _.k 40527 46780

2. —f"k 15411 17881

3. IkzR¸k{k —f"k 11860 13866

4. vIkzR¸k{k —f"k 3551 4015

5. Yk?kq m|ksXk@Yk?kq m|Ek 17978 20945

6. f'k{kk _.k 1124 1172

7. vkOkkLk _.k 5982 6753

6-1 —f"k vfXkzEk—f"k {ks«k dks CkSad d¢ vfXkzEkksa Eksa 16-03% dh Ok`f) nTkZ djRks gq, 2470 djksM+ :Ik, dh Ok`f) gqbZ Tkks EkkPkZ 2012 d¢ 15411 djksM+ :Ik, Lks Ck<+dj EkkPkZ] 2013 Eksa 17881 djksM+ :Ik, gks Xk,A IkzR¸k{k —f"k vfXkzEk 16-91% vFkkZr~ 2006 djksM+ :Ik, dh Ok`f) d¢ LkkFk 31-03-2012 ds 11860 djksM+ :Ik, ls 31-03-2013 dks 13866 djksM+ :Ik, gks Xk,A vIkzR¸k{k —f"k vfXkzEkksa Eksa 13-07% vFkkZr~ 464 djksM+ :Ik, dh Ok`f) gqbZ vkSj ¸ks 31-03-2012 d¢ 3551 djksM+ :Ik, Lks Ck<+dj 31-03-2013 dks 4015 djksM+ :Ik, gks Xk,A

6-1-1 —f"k {ks«k dks _.k IkzOkkg ¼LkafOkRkj.k½fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk —f"k {ks«k dks 10986-00 djksM+ :Ik, d¢ _.k fn, Xk,A

6-1-2 y?kq ,Oka Ek/¸kEk m|Ek ¼,Lk,EkbZ½EkkPkZ] 2013 d¢ vaRk Eksa Yk?kq m|Ek Eksa CkSad dk ,DLkIkksTk+j Ok"kZ&nj&Ok"kZ 20% dh Ok`f) d¢ fUk/kkZfjRk Yk{¸k d¢ EkqdkCkYks 16-50% dh Ok`f) nTkZ djRks gq, 20945 djksM+ :Ik, jgk vkSj bLkEksa 2967 djksM+ #Ik, dh Ok`f) nTkZ dh XkbZA bLkd¢ vfRkfjä] ,Lk,EkbZ vfXkzEk 29-25% vFkkZRk~ 5886 djksM+ :Ik, dh Ok`f) d¢ LkkFk 26013 djksM+ :Ik, gks Xk,A vfRk Yk?kq@Lkw{Ek ¼EkkbØks½ {ks«k d¢ vfXkzEkksa Eksa 28-11% dh Ok`f) d¢ LkkFk 1700 djksM+ :Ik, dh Ok`f) gqbZ vkSj ¸ks Ck<+dj 7746 djksM+ :Ik, gks Xk,A fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks Lkw{Ek vkSj Yk?kq m|Ekksa d¢ fYk, _.k XkkjaVh U¸kkLk ¼LkhTkhVh,Ek,LkbZ½ d¢ vaRkXkZRk 296-53 djksM+ #Ik, d¢ 2338 Uk, [kkRks dOkj fd,A

6-1-3 vksfj¸kUVYk XkzhUk dkMZ ¼vksthlh½ ,Oka vksfj¸kUVYk fdLkkUk XkksYM dkMZ ¼vksd¢TkhLkh½

fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk] CkSad }kjk fdLkkUkksa dks QLkYk mRIkknUk] —f"k Ek'khUkjh ,Oka Lka¸ka«kksa dh EkjEEkRk] LkaCka) fØ¸kkdYkkIkksa gsRkq _.k vkOk'¸kdRkk dks Ikwjk djUks] dk¸kZ'khYk IkwaTkh] XkSj&LkaLFkkXkRk Lkkgwdkjksa Lks fYk,nXk, IkqjkUks dTkks± dks PkqdkUks Ok mIkHkksXk LkaCka/kh vkOk'¸kdRkkvksa d¢ fYk, mudh _.k t:jrksa dks iwjk djus ds fy, 1]25]011 dkMZ Tkkjh fd, Xk,A bLk Ok"kZ d¢ nkSjkUk] bUk dkMks± d¢ Tkfj, 3442-57 djksM+ :Ik, d¢ _.k LkafOkRkfjRk fd, Xk,A CkSad Uks EkkPkZ] 2013 Rkd vksfj;UVy xzhu dkMZ /kkjdksa dks 45123 ,Vh,Ek MsfcV dkMZ vkSj 17-05-2013 rd dslhlh esa 202384 ,Vh,Ek dkMZ Tkkjh fd,A

6-1-4 detksj oxks± dks vfxzedetksj oxks±] ftuesa vuqlwfpr tkfr@vuqlwfpr tutkfr] y?kq ,oa lhekar fdlku] Hkwfeghu Jfed] xzkeh.k f'kYidkj] ljdkj }kjk leÆFkr ;kstukvksaa ¼ih,evkjokbZ dks NksM+dj½ ds ykHkxzkgh 'kkfey gSa] dks fn, x, vfxze 31 ekPkZ] 2012 ds 8703 djksM+ #- d¢ EkqdkCkYks 31 EkkPkZ] 2013 dks 11549 djksM+ :Ik, gks x,A CkSad Uks ,,UkCkhLkh d¢ vaRkZXkRk dEkTkksj OkXkks± d¢ fYk, vkCkafVRk 10% d¢ Yk{¸k dks IkzkIRk fd¸kk gS A

18



6.1.5. Micro finance to Self Help Groups (SHG)/ Joint liability Group (JLG).

Bank has 11127 saving linked SHGs/JLGs accounts under SHG-Bank Linkage Programme. The Bank has directly financed 5876 SHGs / JLGs accounts amounting Rs. 29 crore as on 31.03.2013. Bank has also financed SHGs/JLGs through 13 MFIs amounting Rs. 222.39 crore as on 31.03.2013. 6.1.6. Credit under Differential Rate of Interest SchemeCredit at concessional rate of interest of 4% p.a. to the low-income group of the society both in rural having annual family income upto Rs. 18,000/- and urban having annual family income upto Rs. 24,000/- centres was Rs. 46 crore as at the end of March 2013. 6.1.7. Loans to SCs/STsBank continues its thrust in providing financial assistance to SCs/STs beneficiaries. The advances to these beneficiaries increased to Rs 1478 crore in March 2013 against Rs. 732 crore as at the end of March 2012. 6.1.8. Prime Minister Employment Generation Programme

(PMEGP)The Scheme has been implemented by the Government of India by merging the two schemes viz. PMRY and REGP w.e.f. 1st April 2008. The scheme aims at generation of employment opportunities through establishment of micro enterprises in rural as well as urban areas. The bank has sanctioned credit assistance of Rs 39.46 crores to 864 applicants under the scheme during 2012-13.6.1.9. Swaran Jyanti Shahri Rojgar Yojana (SJSRY)For providing gainful employment to urban poor (living below the urban poverty line) through setting up self employment ventures, bank is providing financial assistance under the scheme. The bank sanctioned to 1924 beneficiaries to the tune of Rs.13.63 crores during 2012-13.6.1.10. Swarn Jyanti Gram Swarojgar Yojana (SGSY)The scheme is operative in rural areas of the country and cover the aspects of self employment such as organization of rural poor into Self Help Group (SHGs) training credit technology, infrastructure and marketing. The bank is participating in the schemes. During 2012-13 bank sanctioned financial assistance to 2801 swarojgaris to the tune of 21.61 crore.6.1.11. Credit Flow to Women BeneficiariesBank’s advance to women increased by Rs.1794.00 crore from Rs. 4621.00 crore as on March 2012 to Rs. 6415.00 crore as on March 2013, registering a growth of 38.82%. Bank’s advances to women beneficiaries as on March 2013 was 5.73% of ANBC against the required stipulation of 5%.6.1.12. Lending to Minority communityBank has achieved 15.81% of Priority Sector Lending towards minority communities to during FY 2012-13 in comparison to 14.98% during FY 2011-12 against stipulated norm of 15%.6.1.13. Financial InclusionWith a view to provide banking facilities in un banked villages, Bank has rolled out Financial Inclusion Plan in 569 allotted villages with population more than 2,000 and in 336 villages with population between 1600 - 2000. Bank has covered all the

6-1-5 Lo;a lgk;rk lewgksa ¼,l,pth½@la;qDr ns;rk lewgksa ¼ts,yth½ dks lw{e foRr

,l,pth&cSad fyadst dk;ZØe ds varxZr cSad us cpr ls tqM+s 11127 ,l,pth@ts,yth [kkrs gSaA fnukad 31-03-2013 dh fLFkfr ds vuqlkj cSad us 5]876 ,l,pth@ts,yth [kkrksa esa 29 djksM+ #i, dh jkf'k dk izR;{k foRr iznku fd;kA cSad us 31-03-2013 dh fLFkfr vuqlkj lw{e foRr laLFkkuksa ds tfj, 222-39 djksM+ #i, dk foRr Hkh ,l,pth@ts,yth dks fn;kA6-1-6 foHksnd C;kt nj ;kstuk ds varxZr _.kekpZ] 2013 ds var esa] lekt ds fuEu vk; oxZ] ftudh okÆ"kd ikfjokfjd vk; xzkeh.k {ks= esa 18000@& #i, rFkk 'kgjh {ks=ksa esa 24]000@& #i, rd gS] dks 4% okÆ"kd dh fj;k;rh C;kt nj ij 46 djksM+ #i, ds _.k iznku fd, x,A6-1-7 vuqlwfpr tkfr@vuqlwfpr tutkfr;ksa dks _.kcSad vuqlwfpr tkfr@vuqlwfpr tutkfr ds ykHkxzkfg;ksa dks foŸkh; lgk;rk iznku djus ij fUkjaRkj tksj nsRkk jgkA bUk YkkHkXkzkfg¸kksa dks fn, x, vfxze ekpZ] 2012 ds 732 djksM+ #i, ls c<+dj ekpZ] 2013 esa 1478 djksM+ #i, gks x,A6-1-8 iz/kku ea=h jkstxkj l`tu dk;ZØe ¼ih,ebZthih½;g ;kstuk Hkkjr ljdkj }kjk nks ekStwnk ;kstukvksa vFkkZr~ ih,evkjokbZ vkSj vkjbZthih dks feykdj 1 vizSy] 2008 ls dk;kZfUor dh xbZ gSA bldk mÌs'; xzkeh.k ,oa 'kgjh nksuks {ks«k¨a esa lw{e m|e LFkkfir djds jkstxkj ds volj Lk`fTkRk djUkk gSA bl ;kstuk ds varxZr cSad }kjk o"kZ 2012&13 ds nkSjku 864 vkosndksa dks 39-46 djksM+ #i, dh _.k lgk;rk iznku dh xbZA6-1-9 Lo.kZ t;Urh 'kgjh jkstxkj ;kstuk ¼,lts,lvkjokbZ½Lojkstxkj m|eksa dh LFkkiuk djds 'kgjh fUk/kZUkksa ¼xjhch js[kk ls uhps jg jgs½ dks ykHkizn jkstxkj eqgS;k djokus dh n`f"V ls cSad bl ;kstuk ds varxZr foŸkh; lgk;rk iznku dj jgk gSA cSad us o"kZ 2012&13 ds nkSjku 1924 ykHkxzkfg;ksa dks 13-63 djksM+ #- dh foŸkh; lgk;rk iznku dhA 6-1-10 Lo.kZ t;Urh xzke Lojkstxkj ;kstuk ¼,lth,lokbZ½;g ;kstuk ns'k ds xzkeh.k {ks=ksa esa py jgh gS vkSj blesa Lojkstxkj laca/kh igyw tSls] xzkeh.k fu/kZuksa dks Lo;a lgk;rk lewgksa ¼,l,pth½ esa laxfBr djuk] izf'k{k.k] _.k izkS|ksfxdh] ewyHkwr lqfo/kk,a o ekÆdÇVx 'kkfey gSaA cSad bUk kksTkUkkvksa Eksa HkkXk Yks jgk gSA Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks 2801 LOkjksTkXkkfj¸kksa dks 21-61 djksM+ #Ik, dh fOkÙkh¸k Lkgk¸kRkk EkaTkwj dhA 6-1-11 efgyk ykHkxzkfg;ksa dks _.k cSad }kjk efgykvksa dks fn, x, vfxzeksa esa 38-82% dh o`f) d¢ LkkFk 1794-00 djksM+ #i, dh o`f) nTkZ dh XkbZ tks ekpZ] 2012 ds var Eksa jgs 4621-00 djksM+ #i, ls c<+dj ekpZ] 2013 esa 6415-00 djksM+ #i, gks x,A efgyk ykHkxzkfg;ksa dks fn, x, cSad vfxze 5% ds y{; ds eqdkcys ekpZ] 2013 dks ,,uchlh dk 5-73% FksA6-1-12 vYi leqnk; dks _.k cSad us foÙkh; o"kZ 2012&13 ds nkSjku izkFkfedrk izkIr {ks= ds varxZr vYi leqnk; dks 15-81% _.k iznku fd, tcfd fu/kkZfjr izfreku 15% dk gSA foÙkh; o"kZ 2011&12 ds nkSjku ;s _.k 14-98% FksA6-1-13 foÙkh; lekos’kuCkSafdaXk LkqfOk/kk fOkghUk XkkaOkksa Eksa CkSafdaXk LkqfOk/kk,a mIkYkC/k djkUks dh –f"V Lks CkSad Uks 2000 Lks vf/kd dh vkCkknh OkkYks LkHkh 569 vkCkafVRk XkkaOkksa Eksa vkSj 1600&2000 d¢ CkhPk dh vkCkknh OkkYks 336 XkkaOkksa Eksa fOkÙkh¸k LkEkkOks'kUk ¸kksTkUkk YkkXkw dh gSA CkSad Uks fnUkkad 31-03-2013 dh fLFkfr ds vuqlkj

19



905 villages under Financial Inclusion Plan as on 31.03.2013. Out of 905 villages, 779 are covered through Business Correspondent model, 63 through brick & mortar Branch Model and remaining 63 through Mobile Branch Model.Bank has opened a total number of 6,52,207 No-Frill/ Other savings accounts in these 905 villages. Further 2,92,592 customers, whose accounts were opened through BC Agents, have been issued activated Bio-metric cards for extending IT enabled banking services.A special drive has been launched at Delhi w.e.f. 16.07.2012 to extend banking facilities to the migrant labourers and street vendors/ hawkers in urban areas by opening their Small SB accounts. A Call center service with toll free telephone number, SMS & e-mail facility have been put in place to reply the queries of the persons/ guiding the persons intending to open accounts with the banks. A total number of 34,335 accounts of the migrant labourers and street vendors/ hawkers have been opened by our bank in Delhi since 16.07.2012 out of 2,60,370 accounts opened by all SLBC member banks. Our bank opened 13.18% of total accounts. This initiative of our bank got due coverage under the heading “Bank Accounts for Migrant Labour” in Issue –I, Sept’2012 edition of Banking, Insurance, Pension – A Journal of the Department of Financial Services, Ministry of Finance, Govt. of India. All PSBs have been advised by the Department of Financial Services, Ministry of Finance, Govt. of India to initiate similar drives in the State(s)/ UTs where their bank is SLBC convener. 6.1.14 Implementation of DBT Scheme.Bank received list of 14,341 beneficiaries in 26 district out of 43 pilot Districts (Phase- I) and accounts of all the beneficiaries have been opened. Bank received the list of 4,790 beneficiaries in 10 districts out of 78 additional districts (phase-II) and accounts of all the beneficiaries have been opened. Bank has received the lists of 54,895 beneficiaries in total 61 districts throughout the country and accounts of all beneficiaries have been opened. Bank has issued ATM debit cards to 23735 beneficiaries. Bank has seeded Aadhaar number in 16293 accounts.Bank has three Lead districts, which are not among 43 (Phase-I) and 78 (Phase-II) districts. However, We have taken initiative to implement DBT in our Lead districts. The details of list of beneficiaries obtained and accounts opened are as follows:

S. No

Name of the District

No. of Schemes

Implemented

Total No. of Beneficiar-

ies list received

No. of Accounts opened

1 Sriganganagar 13 53115 42479

2 Palwal 4 17068 17068

3 Ferozepur 7 38475 35574

Total 108658 95121

There is no gap in opening of accounts for our branches.6.1.15 State Level Bankers Committee ResponsibilityBank was bestowed with prestigious assignment of Convener– State Level Bankers’ Committee for Delhi State by the Government of India from November, 2011. Bank has taken over reins from State Bank of India. There are 33 member banks of SLBC – Delhi State which include all banks i.e. PSBs, Private Sector Banks and Coop Banks. Delhi State is served by 2650 branches of these member banks. The SLBC achieved 101.86% of Annual Credit Plan, 2012-13.

fOkÙkh¸k LkEkkOks'kUk ¸kksTkUkk d¢ vaRkXkZRk LkHkh 905 XkkaOk dOkj dj fYk, gSaA 905 XkkaOkksa Eksa Lks 779 dks dkjksCkkj IkzfRkfUkf/k EkkWMYk d¢ Tkfj,] 63 XkkaOkksa dks fczd ,.M eksVkZj 'kk[kk EkkWMYk d¢ Tkfj, vkSj 63 dks EkksCkkbYk 'kk[kk EkkWMYk d¢ Tkfj, dOkj fd¸kk Xk¸kk gSACkSad Uks bUk 905 XkkaOkksa Eksa dqYk 6]52]207 Ukks fÝYk@vU¸k CkPkRk [kkRks [kksYks gSaA LkkFk gh] LkwPkUkk IkzkS|ksfXkdh ¸kqä CkSafdaXk LksOkk,a IkznkUk djUks d¢ fYk, 2]92]592 Xkzkgdksa] ftuds [kkrs chlh ,tsaVksa ds tfj, [kksys x, Fks] dks ,fDVOksfVM Ckk¸kksEkhfVªd dkMZ Tkkjh fd, gSaA'kgjh bYkkdksa Eksa IkzOkkLkh JfEkdksa vkSj QsjhOkkYkksa@jsgM+h OkkYkksa d¢ Yk?kq CkPkRk CkSad TkEkk [kkRks [kksYkdj CkSafdaXk LksOkk,a IkznkUk djUks d¢ fYk, fnYYkh Eksa fnUkkad 16-07-2012 Lks ,d fOk'ks"k vfHk¸kkUk PkYkk¸kk Xk¸kk gSA CkSadksa Eksa [kkRks [kksYkUks d¢ bPNqd O¸kfDRk¸kksa d¢ Ikz'Ukksa dk mÙkj nsUks@mUkdk EkkXkZn'kZUk djUks d¢ fYk, VksYk Ýh VsYkhQksUk UkECkj d¢ LkkFk dkWYk LksaVj LksOkk] ,Lk,Ek,Lk ,Oka bZ&EksYk LkqfOk/kk vkjaHk dh XkbZ gSA jkT¸k LRkjh¸k CkSadj LkfEkfRk d¢ LkHkh LknL¸k CkSadksa }kjk 16-07-2012 Lks fnYYkh Eksa LkhEkkaRk Jfedksa Ok QsjhOkkYkksa@jsgM+h OkkYkksa d¢ [kksYks Xk, 2]60]370 [kkRkksa Eksa Lks gEkkjs CkSad }kjk dqy 34335 [kkRks [kksYks Xk, gSaA IkzfRk’kRk dh –f"V Lks gEkkjs CkSad }kjk [kksYks Xk, [kkRks] dqYk [kkRkksa dk 13-18% gSaA gEkkjs CkSad d¢ bLk Uk, dnEk dks fOkÙkh¸k LksOkk,a fOkHkkXk] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj d¢ TkUkZYk&b'¸kw 1 fLkRkaCkj] 2012 ,fM'kUk vkWQ CkSafdaXk] ba'kksjsaLk] Iksa'kUk Eksa **Bank Accounts for Migrant Labour” IkzOkkLkh JfEkdksa d¢ fYk, CkSad [kkRks** 'kh"kZd d¢ vaRkXkZRk mIk¸kqDRk dOkjsTk nh XkbZ gSA fOkÙkh¸k LksOkk,a fOkHkkXk] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj }kjk Lkjdkjh {ks«k d¢ LkHkh CkSadksa dks LkYkkg nh XkbZ gS fd fTkLk Hkh jkT¸k@Lka?k jkT¸k {ks«k Eksa mUkdk CkSad jkT¸k LRkjh¸k CkSadj LkfEkfRk dk Lka¸kksTkd gS] Oks Okgka bLkh Ikzdkj d¢ vfHk¸kkUk PkYkk,aA6-1-14 izR;{k ykHk varj.k ;kstuk ¼MhchVh½ ykxw djukcSad dks 43 ik;yV ftyksa ¼Qst+&I½ esa ls 26 ftyksa esa 14]341 ykHkxzkfg;ksaa dh lwph izkIr gqbZ vkSj bu lHkh ykHkxzkfg;ksa ds [kkrs [kksys x, gSaA cSad dks 78 vfrfjDr ftyksa ¼Qst+&II½ esa ls 10 ftyksa esa 4]790 ykHkxzkfg;ksa dh lwph izkIr gqbZ vkSj bu lHkh ds [kkrs [kksys x, gSaA cSad dks iwjs ns'k ds dqy 61 ftyksa esa 54]895 ykHkxzkfg;ksa dh lwfp;ka izkIr gqb± vkSj bu lHkh ykHkxzkfg;ksa ds [kkrs [kksys x, gSaA cSad us 23]735 ykHkxzkfg;ksa dks ,Vh,e MsfcV dkMZ tkjh fd, gSaA cSad us 16]293 [kkrksa esa vk/kkj la[;k izfo"V dh gSA cSad ds ikl 3 vxz.kh ftys gSa tks 43 ¼Qst+&I½ rFkk 78 ¼Qst+&II½ ftyksa ls fHkUu gSaA rFkkfi geus vius vxz.kh ftyksa esa MhchVh ;kstuk ykxw djus dk dne mBk;k gSA ykHkxzkfg;ksa dh izkIr lwph rFkk [kksys x, [kkrksa dk fooj.k fuEukuqlkj gS %

Ø-la- ftys dk ukeykxw

;kstukvksa dh la[;k

ykHkxzkfg;ksa dh dqy la[;k ftudh

lwph izkIr gqbZ

[kksys x, [kkrksa dh la[;k

1 Jhxaxkuxj 13 53115 42479

2 iyoy 4 17068 17068

3 fQjkst+iqj 7 38475 35574

dqy 108658 95121gekjh 'kk[kkvksa ds fy, [kkrs [kksyus esa dksbZ xSi ugha gSA 6-1-15- jkT; Lrjh; cSadlZ lfefr nkf;Ro cSad dks igyh ckj uoacj] 2011 ls Hkkjr ljdkj }kjk fnYyh jkT; dh jkT; Lrjh; cSadj lfefr ds la;kstd dk izfrf"Br nkf;Ro lkSaik x;k gSA cSad us ;g nkf;Ro Hkkjrh; LVsV cSad ls gkfly fd;k gSA fnYyh jkT; dh jkT; Lrjh; cSadj lfefr esa 33 lnL; cSad gSa ftuesa lHkh izeq[k cSad vFkkZr~ ljdkjh {ks= ds cSad] futh {ks= ds cSad rFkk lgdkjh cSad 'kkfey gSaA fnYyh jkT; esa bu lnL; cSadksa dh 2650 'kk[kk,a lsok,a iznku dj jgh gSaA bl lfefr us okf"kZd _.k ;kstuk] 2012&13 dk 101-86% izkIr fd;k gSA

20



SLBC, Delhi has played important role in launching of Delhi Annashree Yojana of Govt. of NCT of Delhi and campaign for opening of accounts of school children.It has also closely co-ordinated with DFS, MoF, GoI/ RBI/ State Govt. departments/ Member Banks for implementation of Government and RBI directions.6.1.16. Lead Bank ResponsibilityBank is performing the functions of Lead Bank in three Districts, namely, Ferozepur in Punjab, Sriganganagar in Rajasthan and Palwal in Haryana. There is more than 100% achievement under ACP in all three districts respectively. 6.1.17. OBC Rural Development TrustBank has set up a special purpose vehicle in the name of Oriental Bank Rural Development Trust (OBCRDT) for setting up Training Centres at various places across the country for imparting training for capacity building in rural areas. The Trust came into being on 9th December 2005 as a registered body.The main objective of the Trust is to establish training colleges/institutes and workshops for providing training for farmers on modern techniques of farming, tractor/farm machinery repair & maintenance and other aspects of agriculture/rural development; micro finance and capacity building of the rural youth and women.Presently five OBCRSETIs (OBC Rural Self Employment Training Institutes) are functional at Dehradun, Sriganganagar, Jaipur, Ferozepur and Palwal. We have been allotted land by the State Governments in Chomu (Jaipur- Rajasthan), Zira (Ferozepur-Punjab), Jassowala (Dehradun-Uttrakhand), Manaksar (Sriganganagar- Rajasthan) and Rattipura (Palwal- Haryana).The RSETIs at Chomu (Jaipur) and Zira (Ferozpur) are operating and holding training programmes from their own premises. The process of construction of buildings for the remaining 3 RSETIs is under progress.During the Financial Year 2012-13, a total of 339 training programmes were conducted and 10749 candidates were given training. Of these 125 were Skill Development Programmes on subjects like tailoring & dress designing, watershed management, phulkari embroidery, milch animal rearing, crop production, beauty parlour, medicinal plantation, mobile repairing, etc which benefitted 3648 candidates. A total of 2146 persons trained under Skill Development Programmes were settled during FY 2012-13. The settlement rate of trainees improved to 57% during the FY 2012-13 as compared to 39% during FY 2011-12. Emphasis is also given to train candidates from BPL strata of the society for which list of candidates are obtained by the centres from respective DRDA. Cumulatively these centres have conducted 1092 training programmes since inception benefiting 36597 candidates. 6.1.18 CSR Initiatives taken during FY 2012-13.As an entity responsible to the society, the bank under takes Corporate Social Responsibilities for benefit of the larger section of the society. During 2012-13, bank has under taken the following CSR activities.a. The Bank has adopted 461 Primary School by installing

1442 electricity fans, constructing 87 toilets and providing clean drinking water facility to 299 schools. Further, 21 solar panels also for uninterrupted power back-up. Total expenses incurred were Rs. 67.04 lakh in Govt. Primary schools.

jkT; Lrjh; cSadj lfefr] fnYyh us jk"Vªh¸k jkTk/kkUkh {ks«k fnYYkh Lkjdkj dh fnYYkh vUUkJh ¸kksTkUkk dks PkYkkUks vkSj LdwYkh CkPPkksa d¢ [kkRks [kksYkUks d¢ vfHk¸kkUk Eksa EkgROkIkw.kZ HkwfEkdk fUkHkkbZ gSA¸kg LkfEkfRk Lkjdkj RkFkk HkkjRkh¸k fjTkOkZ CkSad d¢ fUknsZ'kksa dks YkkXkw djUks d¢ fYk, fOkÙkh¸k LksOkk,a fOkHkkXk] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj@HkkjRkh¸k fjTkOkZ CkSad@jkT¸k Lkjdkj d¢ fOkHkkXkksa@LknL¸k CkSadksa d¢ LkkFk fUkdV LkEkUOk¸k Hkh CkUkk, gq, gSA6-1-16- vxz.kh cSad mRrjnkf;Ro cSad rhu ftyksa esa vFkkZr iatkc ds fQjkstiqj] jktLFkku ds Jhxaxkuxj vkSj gfj;k.kk ds iyoy ftys esa vxz.kh cSad ds dk;Z dj jgk gSA bu lHkh rhuksa ftyksa esa okÆ"kd _.k ;kstuk ds varxZr 100% ls vf/kd dh miyfC/k jghA6-1-17- vkschlh xzkeh.k fodkl U;kl cSad us xzkeh.k {ks=ksa esa {kerk fUkEkkZ.k gsrq izf'k{k.k nsus ds fy, ns'k ds fofHkUUk LFkkUkksa ij izf'k{k.k dsaæ LFkkfir djus ds mÌs'; ls vksfj¸kUVYk CkSad xzkeh.k fodkl U;kLk ¼vksCkhLkh vkjMhVh½ UkkEkd ,d fOk'ks"k LkaLFkkUk dh LFkkiuk dh gSA bl U;kl dh 'kq:vkRk 09 fnlacj] 2005 dks ,d iath—r fudk; ds :i esa gqbZAbl U;kl dk izeq[k mÌs'; fdlkuksa dks —f"k dh uohure rduhdksa] VªsDVjksa@—f"k e'khujh dh EkjEEkRk ,Oka j[k&j[kko rFkk —f"[email protected] fodkl ds vU; i{kksa Ikj Ikzf'k{k.k nsUks] lw{e foŸk rFkk xzkeh.k ;qokvksa ,oa efgykvksa d¢ {kEkRkk fUkEkkZ.k gsrq izf'k{k.k dkWyst@laLFkku rFkk dk;Z'kkykvksa dh LFkkiuk djuk gSAbl le; nsgjknwu] Jhxaxkuxj] t;iqj] fQjkstiqj vkSj iyoy esa ikap vkschlhvkjlsVh ¼ vkschlh xzkeh.k Lojkstxkj izf'k{k.k lalFkku½ dk;Zjr gSaA gesa pksew ¼t;iqj&jktLFkku½] thjk ¼fQjkstiqj&iatkc½] tLlksoky ¼nsgjknwu&mŸkjk[kaM½] ekudlj ¼Jhxaxkuxj&jkTkLFkkUk½ rFkk jŸkhiqjk] ¼iyoy&gfj;k.kk ½ esa jkT; ljdkj }kjk tehu vkcafVr dh xbZ gSApksew ¼t;iqj½ rFkk thjk ¼fQjkstiqj½ esa xzkeh.k Lojkstxkj izf'k{k.k laLFkku vius gh ifjljksa ls dk;Z dj jgs gSa vkSj izf'k{k.k dk;ZØe pyk jgs gSaA 'ks"k rhu xzkeh.k Lojkstxkj izf'k{k.k laLFkkuksa ds fy, Hkou fuekZ.k dk dk;Z izxfr ij gSAfoŸkh; o"kZ 2012&13 ds nkSjku dqy 339 izf'k{k.k dk;ZØe pyk, x, vkSj 10749 mEehnokjksa dks izf'k{k.k fn;k x;kA buesa VsyÇjx] Mªsl fMtkbÇux] tylaHkj.k izca/ku] Qqydkjh] d<+kbZ] nq/kk: i'kqikyu] Q+ly mRiknu] C;wVh ikyZj] fpfälh; o`{kkjksi.k] eksckbZy fjis;Çjx] vkfn fo"k;ksa ij 125 dkS'ky fodkLk dk¸kZdzEk Fks fTkUkLks 3648 mEEkhnOkkj YkkHkkfUOkRk gq,A foŸkh; o"kZ 2012&13 ds nkSjku dkS'ky fodkl dk;ZØeksa esa izf'kf{kr dqy 2146 O;fä LokoyEch gq,A foŸkh; o"kZ 2012&13 ds nkSjku izf'k{k.kkÆFk;ksa dh LokoyEcu ¼lsVyesaV½ nj esa lq/kkj gqvk vkSj ¸kg foŸkh; o"kZ 2011&12 ds 39% ls c<+dj fOkÙkh¸k Ok"kZ 2012&13 Eksa 57% jghA lekt esa xjhch dh js[kk ls uhps jg jgs OkXkZ d¢ mEEkhnOkkjksa] fTkUkds fy, dsUæksa }kjk lEcaf/kr Mh-vkj-Mh-,- ls lwph yh tkrh gS] dks Hkh izf'k{k.k nsus ij tksj fn;k tk jgk gSA lesfdr :i ls bu dsUæksa us vius vkjaHk ls 1092 izf'k{k.k dk;ZØe vk;ksftr fd, gSa ftuesa 36597 izf'k{k.kkFkhZ ykHkkfUor gq,A6-1-18 fOkÙkh¸k o"kZ 2012&13 ds nkSjku dkjiksjsV lkekftd nkf;Ro

d¢ dk;Zlekt ds izfr ,d ftEesnkj laLFkk ds :i esa cSad lekt ds cM+s oxZ ds ykHk ds fy, dkWjiksjsV lkekftd nkf;Ro fuHkk jgk gSA o"kZ 2012&13 ds nkSjku cSad us fuEufyf[kr dkWjiksjsV lkekftd dk;Z fd, gSa %d½ cSad us 461 izkFkfed fo|ky;ksa dks vaXkhdkj fd¸kk vkSj mUkEksa 1442

ia[ks yxk, vkSj 87 'kkSpky; cuk,A 299 fo|ky;ksa esa 'kq) is;ty miyC/k djk;k vkSj fujarj ikoj cSd&vi ds fy, fo|ky;ksa esa 21 lkSj&ÅtkZ IkSUky yxok,A jktdh; izkFkfed fo|ky;ksa Eksa dqy 67-04 yk[k #i;s O;; fd, x,A

21



b. Bank has incurred expenses of Rs. 179.01 lakhs in 766 financial inclusion villages and other rural areas by providing Water purifier, water coolers, school bags, Hand pumps, Stitching Machines, and Chairs besides organizing Eye Operation camps.

c. The Bank has initiated campaign ‘Smoke Free Jodhpur’ in coordination with local authorities under COPTA for display of banners in school premises.

d. Sponsored “Hunger Free Delhi” Campaign- ‘Aap ki Rasoi’ under Bhagidari Programme of Govt. of NCT. Of Delhi to provide food to poor.

e. Van donated to ‘Arunodaya Deseret Eye Hospital, Gurgaon’ for transportation of patients from slums dwelling areas to Hospital.

f. Ambulance donated to ‘Maharaja Agrasen Charitable Hospital’ for medical benefits to poor and needy patients.

g. Donation of Bus named ‘School on wheels’ to NGO ‘Help Us To Help Them’ at Kolkata for educating street children.

h. Solar Panels were installed in Bulandsahar district of Uttar Pradesh for uninterrupted power supply in schools and other works of the village

7. RETAIL CREDITRetail Credit segment continues to be the thrust area of lending. Our 16 Retail Credit products are customer friendly, competitive and specifically designed to suit all sections of the society.

In current FY, bank has achieved YOY growth of 25% in Retail Credit & recorded 11.16% of total advances.

During the year, the bank has introduced loyalty concession for Home / Car loan borrowers as well as revamped loan against immovable property & personal loan schemes to make it more attractive to meet the various needs of Retail Customers.

7.1 Home Loan The Home Loan depicts YOY growth of 19.79% (previous year-18.79%). During the year fresh home loan of Rs. 2096 Crore were sanctioned in 16204 accounts.

7.2 Car / Vehicle Loan Despite recessionary trend in Car / Auto industry, our car loan segment depicts YOY growth of 22.64%. During the year fresh car loan of Rs. 837 Crore were sanctioned in 17419 accounts.

7.3 Education LoanThe Education Loan portfolio of the Bank stood at Rs. 1227.04 Crore as on 31.03.2013 and showed Y.O.Y Growth of 3.02%. The growth is adversely affected due to credit of interest subsidy Rs. 30.00 Crore (approx.)

Bank continued its efforts for extending education loans for higher studies & vocational courses on soft terms based upon IBA guidelines. Specific provision for management quota & nursing education has been elaborated in the scheme.

A specific customized collateral free scheme for students of premier institutions viz- IIMs, IITs, XLRIs & ISBs has been introduced on Base Rate of interest.

[k½ cSad us foŸkh; lekos'ku okys 766 xkaoksa vkSj vU; xzkeh.k {ks=ksa esa okVj I;wjhQk;j] okVj dwyj] Ldwy cSx] gS.M iEi] flykbZ e'khusa] dqÆl;ka miyC/k djkdj vkSj vk¡[kksa ds vkWijs'ku d¢ dSEi yxkdj 179-01 yk[k #i;s O;; fd,A

x½ cSad us *dksIkVk* ds varxZr LFkkuh; izkf/kdkfj;ksa ds lg;ksx ls **èkwez eqDr tks/kiqj^^ ds fy, ,d vfHk;ku 'kq: fd;k vkSj blds fy, Ldwy ifjljksa esa cSuj iznÆ'kr fd,A

?k½ xjhcksa dks Hkkstu miyC/k djkus dh n`f"V ls jk"Vªh¸k jkTk/kkUkh {ks«k fnYyh ljdkj ds **Hkkxhnkjh dk;ZØe^^ ds varxZr **vki dh jlksbZ^^ uke ls **Hkw[k jfgr fnYyh^^ vfHk;ku izk;ksftr fd;kA

p½ ÖkqXxh&ÖkksIkM+h ,fj;k ls gkWfLiVy rd ejhtksa dks ykus&ys tkus ds fy, ,d oSu **v#.kksn; fMtVZ vkbZ gkWfLIkVYk] xqMxk¡o^^ dks nku dh xbZA

N½ xjhc vkSj t#jrEkan chekj yksxksa ds fpfdRlk ykHk gsrq **egkjktk vxzlsu psfjVscy gkWfLiVy** dks ,d ,Ecqysal nku dh xbZA

t½ dksydkrk esa lM+dksa ij jgUks OkkYks cPpksa dks f'k{kk nsus ds fy, **gsYi vl Vw gsYi nse** uked ,u-th-vks- dks **Ldwy vkWu OghYl** uke ls ,d cl nku dh xbZA

Ök½ mŸkj izns'k ds cqyan'kgj ftys esa Ldwyksa esa vkSj XkkaOk d¢ vU¸k dk¸kks± d¢ fYk, fctyh dh fujarj lIykbZ cuk, j[kus ds fy, lkSj&ÅtkZ ds iSuy yxk, x,A

7- fjVsy _.k fjVsy _.k [kaM ds varxZr fjVsy _.k c<+kus ij fUkjaRkj tksj fn;k tk jgk gSA gekjs 16 fjVsy ØsfMV izksMDV gaS tks xzkgdksa dh vkOk'¸kdRkkvksa ds vuq:i vkSj izfrLi/khZ gSa RkFkk bUgsa fo'ks"kdj lekt ds lHkh oxks± dks n`f"V esa j[kdj rS;kj fd;k x;k gSApkyw foŸk o"kZ esa] cSad us fjVsy _.k esa o"kZ&nj&o"kZ 25% dh o`f) izkIr dh tks dqy vfxzeksa dk 11-16% gSAo"kZ ds nkSjku] cSad us x`g@dkj _.k m/kkjdrkZvksa ds fy, fu"Bk fj;k;r dks ykxw fd;k rFkk [kqnjk _.k xzkgdksa dh t:jrksa dks iwjk djus ds fy, vpy lEifr ds fo#) fn, tkus okys _.kksa dks ,oa oS;fäd _.k ;kstukvksa dks vf/kd vkd"kZd cukus ds fy, buesa ifjorZu fd;kA

7-1- Xk`g _.k vkoklh; _.k esa 19-79% dh o"kZ&nj&o"kZ o`f) gqbZ ¼foxr o"kZ ;g o`f) 18-79% jgh½A o"kZ ds nkSjku 16204 [kkrksa esa 2096 djksM+ #i;s ds u, vkoklh; _.k Loh—r fd, x,A

7-2- dkj@okgu _.k dkj@vkWVks m|ksx esa eanh dh izo`fRr ds ckotwn gekjs dkj _.k [k.M esa 22-64% dh o"kZ&nj&o"kZ o`f) gqbZA o"kZ ds nkSjku 17419 [kkrksa esa 837 djksM+ #i;s ds u, dkj _.k Loh—r fd, x,A

7-3 f’k{kk _.k cSad dk f'k{kk _.k iksVZQksfy;ks 31-03-2013 dks 1227-04 djksM+ #i;s jgk vkSj blesa o"kZ&nj&o"kZ 3-02% dh Okf) ntZ gqbZA 30-00 djksM+ :i;s ¼YkxHkx½ dh C;kt lfClMh ØsfMV gksus ls of) Ikj izfrdwy izHkko iM+k gSAHkkjrh; cSad la/k ds fn'kkfunsZ'kksa dks vk/kkj ekurs gq, cSad Uks mPp f'k{kk vkSj O;kolkf;d ikB~¸kØeksa ds fy, vklku 'krks± ij f'k{kk _.k nsus ds iz;kl tkjh j[ksA ;kstuk ds varxZr izca/ku dksVk ,oa uÉlx f'k{kk ds fy, fo'ks"k izko/kku cuk,AvkbZ-vkbZ-,e] vkbZ-vkbZ-Vh] ,Dl-,y-vkj-vkbZ- ,oa vkbZ-,l-ch- tSls izeq[k laLFkkuksa ds fo|kÆFk;ksa ds fy, C;kt dh vk/kkj nj ¼CksLk jsV½ ij ,d fOkf'k"V Xkzkgd vUkqdwYk laikÆ'od eqä ;kstuk ykxw dh xbZ gSA

22



8. TREASURY OPERATIONSThe G-Sec yields softened during FY 2012-13. This was due to reduction in inflation levels, stunted economic growth and fiscal deficit remaining within targeted levels. RBI reduced Repo and Reverse Repo rates by 100 basis points during FY 2012-13 to revive growth. Equity market remained volatile during 2012-13 and ended the year with a muted return of 8%. The secondary market turnover has been Rs. 85,332.20 crore in FY 2012-13. The net profit in the secondary market operations has been Rs.168.48 crore during FY 2012-13. The Bank has transferred Securities amounting to Rs. 4970.51 crore from ‘Available for Sale’ category to ‘Held to Maturity’ category. Further, Securities amounting to 18.30 crores were transferred from ‘Held to Maturity’ category to’ Available for Sale’ category. In the process, Bank booked depreciation of Rs. 185.74 crore. The aggregate investment of the Bank has increased to Rs. 58,719.20 crore as on 31-03-2013 from Rs. 52,460.22 crore as on 31-03-2012 an increase of 11.93%. The yield on investments have increased to 7.41% from 7.36% last year (excluding income on RIDF deposits classified as Non-SLR investments) owing to maturity of low yielding securities vis-à-vis fresh investments in high yielding securities in Investment portfolio.9. FOREIGN EXCHANGE BUSINESS:During the fiscal year 2012-13, Bank achieved Forex turnover of Rs 96,444 Crore as on 31.03.2013. The total earning from foreign exchange Business for the financial year 2012-13 was Rs 237.79 Crore. The Export credit of the Bank stood at Rs 5,750 Crore as on 31.03.2013 as against Rs 4,976 Crore as on 31.03.2012, thus registering a growth of 15.55%. Bank has 86 Specialized Branches to conduct foreign exchange business. The Bank has mobilized Non Resident deposits to the tune of Rs 3068 Crores as on 31.03.2013 as against Rs 2323 Crores for the year ended 31.03.2012, thereby registering a growth of 32% over the preceding financial year. The operations at Representative Office, Dubai has completed four years of operations, acting as a catalyst to canvass non- resident accounts of Indian Expatriates in UAE to expand the Non- resident customer base of the bank. 10. Merchant Banking ActivitiesThe Bank is a registered Category I Merchant Banker and holds registration certificate valid upto 28.02.2014. The Bank also holds permanent registration as Banker to an Issue. As Bankers to Issue, the Bank has acted as Paying Banker for payment of dividend warrants and as Self Certified Syndicate Bank (SCSB) for providing ASBA facility. Applications Supported by Blocked Amount (ASBA)Our Bank has been registered with SEBI as Self Certified Syndicate Bank (SCSB) for providing Applications Supported by Blocked Amount (ASBA) facility to its customers. ASBA is an application containing an authorisation to block the application money in the bank account maintained with SCSB.Under the ASBA facility, the application amount for subscribing to an issue (IPO/Rights issue), remains in the bank account of the customer till allotment is finalized and actual amount equal to allotted shares is only debited instead of total application

8- jktdks"kh; ifjpkyufoŸkh; o"kZ 2012&13 ds nkSjku ljdkjh izfrHkwfr;ksa ls gksus okyh vk; esa deh vkbZA ,slk eqæk LQhfr Lrj esa deh] vo#) vkÆFkd fodkl vkSj jktdks"kh; ?kkVs dk yf{kr lhekvksa Eksa cus jgus ds dkj.k gqvkA Hkkjrh; fjtoZ cSad us foŸkh; o"kZ 2012&13 ds nkSjku o`f) dks CkgkYk djUks ds fy, jsiks ,oa fjolZ jsiks njksa esa 100 vk/kkj vadksa dh deh dhA o"kZ 2012&13 ds nkSjku bZfDoVh cktkj esa vfLFkjrk cuh jgh vkSj o"kZ d¢ vaRk Eksa 8% dh LkqLRk fjVuZ jghA foŸkh; o"kZ 2012&13 ds nkSjku xkS.k cktkj dk VuZ vksoj 85]332-20 djksM+ #i;s jgkAfoŸkh; o"kZ 2012&13 ds nkSjku xkS.k cktkj ifjpkyuksa dk fuoy ykHk 168-48 djksM+ #i;s jgkA cSad us 4970-51 djksM+ #i;s dh izfrHkwfr;ka **fcØh ds fy, miyC/k^^ Js.kh^^ ls **ifjiDork rd /kkfjr^^ Js.kh esa varfjr dhA vxzrj] 18-30 djksM+ #i;s dh izfrHkwfr;ka **ifjiDork rd /kkfjr^^ Js.kh ls **fcØh ds fy, miyC/k^^ Js.kh esa varfjr dh rFkk bl izfØ;k esa 185-74 djksM+ #i;s dk ewY;gªkl ntZ fd;kA cSad dk dqy fuos'k 31-03-2012 d¢ 52]460-22 djksM+ #i;s esa 11-93% dh o`f) ds lkFk 31-03-2013 dks 58]719-20 djksM+ #i;s gks x;kA fuos'k iksVZQksfy;ks Eksa mPPk vk¸k OkkYkh izfrHkwfr;ksa Eksa Uk, fUkOks'kksa dh RkqYkUkk Eksa fUkEUk vk¸k OkkYkh izfrHkwfr;ksa dh IkfjIkDoRkk d¢ dkj.k fUkOks'kksa Ikj vk¸k ¼xSj & ,l,yvkj fofu/kkuksa ds :i esa oxhZ—r vkjvkbZMh,Q tekjkf'k;ksa Ikj vk; ds vykok½ fiNys o"kZ d¢ 7-36% ls c<+dj 7-41% gks xbZ A

9 - fons’kh fOkfUkEk¸k dkjksckj jktdks"kh; o"kZ 2012&13 ds nkSjku cSad dk QksjsDl VuZ vksoj 31-03-2013 dks 96]444 djksM+ #i;s jgkA foŸkh; o"kZ 2012&13 esa cSad ds fons'kh fOkfUkEk¸k dkjksckj Lks dqy vk; 237-79 djksM+ #i;s jgh- fnukad 31-03-2013 dks cSad dk fu;kZr _.k 31-03-2012 ds 4]976 djksM+ #i;s esas 15-55% dh o`f) ds lkFk 5]750 djksM+ #i;s jgkA cSad dh 86 fo'ks"kh—r 'kk[kk,¡ fons'kh eqæk dkjksckj dj jgh gSaA 31-03- 2013 dks lekIr o"kZ ds nkSjkUk CkSad Uks 31-03-2012 dks lekIr foŸkh; o"kZ ds 2323 djksM+ #i;s esa 32% dh o`f) ds lkFk 3068 djksM+ #i;s dh vfuoklh tekjkf'k;ka tqVkbZA nqcbZ izfrfuf/k dk;kZy; ds ifjpkyu ds pkj o"kZ iw.kZ gks x, gSa] ;g dk;kZy; cSad ds vfuoklh xzkgd vk/kkj dks O;kid cukus ds mÌs'; ls ;w-,-bZ- esa Hkkjrh; izokfl;ksa ds vfuoklh [kkrs tqVkus esa mRizsjd ds :i esa dk;Z dj jgk gSA

10- eps±V cSaÇdx dk;Z cSad iath—r Js.kh&I dk eps±V cSadj gS vkSj 28-02-2014 rd dk oS/k iathdj.k izek.ki= /kkjd gSA cSad] *cSadj Vw b';w* ds fy, LFkkbZ :i ls iath—r gSA cSadj Vw b';w ds :i esa cSad ykHkka'k okjaV d¢ HkqxrkUk gsRkq vnkdRkkZZ cSadj ds :i esa vkSj ,-,l-ch-,- lqfo/kk,¡ iznku djus ds fy, Lo&IkzEkkf.kRk ÇlfMdsV cSad ¼,l-lh-,l-ch-½ ds :i esa dk;Z djrk gSA

vOk:) jkf’k }kjk leÆFkr vkosnu ¼,-,l-ch-,-½vius xzkgdksa dks Lo IkzEkkf.kRk ÇlfMdsV cSad ¼,l-lh-,l-ch-½ ds :i esa vOk:) jkf'k }kjk leÆFkr vkosnu ¼,-,l-ch-,-½ dh lqfo/kk iznku djus ds fy, gekjk cSad lsch Eksa iath—r gSA ,-,l-ch-,- ,d ,slk vkosnu gS ftlds }kjk cSad dks ,l-lh-,l-ch- esa j[ks x, cSad [kkrs esa vkonsu dh /kujkf'k dks jksds j[kus ds fy, vf/kÑr fd;k tkrk gSA ,-,l-ch-,- lqfo/kk ds vaRkXkZRk fdLkh b';w ¼vkbZ-ih-vks-@jkbV~l b';w½ dh [kjhn ds fy, vkosfnr jkf'k vafre :i ls vkcaVu gksus rd xzkgd ds [kkrs esa jgrh gS vkSj vkosfnr dqy jkf'k esa ls dsoy vkCkafVRk 'ks¸kjksa d¢ LkEkRkqY¸k okLrfod jkf'k gh [kkrs ls MsfcV dh tkrh gSA lsch Uks ÇlfMdsV@lc ÇlfMdsV lnL;ksa dks fuos'kdksa ls ,-,l-ch-,- QkeZ izkIr djus] *fCkfM~MaXk IysVQkeZ* esa fooj.k vi&yksM djus vkSj mudks Lo

23



amount. SEBI also allowed syndicate / sub-syndicate members to procure ASBA forms from the investors, upload the details in the bidding platform and forward the same to Self Certified Syndicate Banks (SCSBs) which is referred to as “Syndicate ASBA”.In compliance with SEBI guidelines, Bank is providing ASBA / Syndicate ASBA facility through all its 2000 branches across the country. 11. THIRD PARTY PRODUCTS:11.1 Life Insurance Business (JV):During FY 2012-13, the Bank has sold 34205 policies with First Premium Collection of Rs. 123.22 Crores and has earned commission of Rs. 12.66 Crores (Net).11.2 General Insurance Business:In General Insurance Business, the Bank has again registered a steady growth and has collected a premium of Rs. 49.66 Crores earning a commission of Rs. 5.69 Crores.11.3 Oriental Bank Mediclaim PolicyOur Bank has signed an MoU with Oriental Insurance Company on 3rd October 2011 and launched Oriental Mediclaim Policy. The product has been designed exclusively for OBC Customers and available in all the branches across the country. During the FY 2012-13, the Bank has marketed 20865 policies and collected a premium of Rs. 7.74 croes thereby earned a commission of Rs. 1.20 crore. 11.4 Mutual Fund Business:Our Bank is selling the Mutual Fund products of the 7 Asset Management Companies. During the Financial year 2012-13, the Bank has earned a commission of Rs. 41.93 lakhs from Mutual Fund Business.11.5 Demat Accounts:The Bank is a Depository Participant for both NSDL and CDSL. As on 31.03.2013, our Bank has 71186 Demat accounts and 1193 Online Trading accounts. The commission earned in FY 2012-13 from Demat business is Rs. 2.69 crores. The Bank has tied up with the M/s. IDBI Capital Market Services Ltd. & M/s. Karvy Stock Broking Limited for providing Online Trading facilities to its Demat Account holders through 298 identified Branches. 11.6 Gold Coins:The retail sale of Gold Coins in different denominations (5 grams, 8 grams & 10 grams) was launched on 30.10.2010 in our Bank. During the FY 2012-13, our bank has sold 19572 Gold Coins through 270 designated branches across all regions and earned a profit of Rs. 2.04 Crores.11.7 UID Cards:Bank is appointed as Registrar by Unique Identification Authority of India and carried out more than 14.60 Lac enrolments in Phase II of the Project in FY 2012-13. We have received a gross commission of Rs. 3.08 crore in FY 2012-13 from UIDAI. UID enrolment process is being carried out in Eight States/U.Ts which includes Delhi, Punjab, Haryana, Madhya Pradesh, Rajasthan, Maharashtra and Kerala.11.8 Cash Management Services (CMS):The Bank provides an efficient and tailor-made CMS solution to suit the customer requirements. The Bank is

iath—r ÇlfMdsV cSadksa ¼,l-lh-,-ch½] fTkUgsa ^ÇlfMdsV ,-,l-ch-,-* dgk tkrk gS] dks vXkzsf"kRk djus dh vuqefr Hkh IkznkUk dh gSAlsch ds fn'kkfunsZ'kksa dk vuqikyu djrs gq, cSad ns'kHkj esa viuh lHkh 2000 'kk[kkvksa ds ek/;e ls ,-,l-ch-,-@ÇlfMdsV ,-,l-ch-,- lqfo/kk iznku dj jgk gSA

11- vU; ikVhZ mRikn

11-1 thou chek dkjksckj ¼la;qä m/ke½foŸkh; o"kZ 2012&13 ds nkSjku cSad us 123-22 djksM+ #i;s ds izFke izhfe;e LkaXkzg d¢ LkkFk 34205 ikfyfl;ka cspha vkSj 12-66 djksM+ #i;s ¼fUkOkYk½ dk deh'ku vÆtr fd;kA

11-2- lkekU; chek dkjksckj cSad us lkekU; chek dkjksckj ds varxZr iqu% lrr o`f) ntZ dh vkSj 49-66 djksM+ dk izhfe;e tqVkrs gq, 5-69 djksM+ #i;s dk deh'ku vÆtr fd;kA

11-3 vksfj;aVy cSad esfMDyse ikWfylh gekjs cSad us 3 vDVwcj ]2011 dks vksfj,.Vy ba';ksjsal daiuh ds lkFk leÖkkSrk Kkiu ij gLrk{kj fd, vkSj vksfj;aVy cSad esfMDyse ikWfylh vkjaHk dhA ;g mRikn dsoy vks-ch-lh- ds xzkgdksa ds fy, gS vkSj ns'k Hkj esa vks-ch-lh- dh lHkh 'kk[kkvksa esa miyC/k gSA foŸkh; o"kZ 2012&13 dh vof/k ds nkSjku cSad us 20865 ikfyfl;ka cspha vkSj 7-74 djksM+ dk izhfe;e tqVkrs gq, 1-20 djksM+ #i;s dk deh'ku vÆtr fd;kA

11-4- E;qpqvy QaM dkjksckj gekjk cSad 7 vkfLr izca/ku daifu;ksa ds E;qpqvy QaM mRiknksa dh fcØh dj jgk gSA foŸkh; o"kZ 2012&13 ds nkSjku cSad us E;qpqvy QaM ds dkjksckj ls 41-93 yk[k #i;s dk deh'ku vÆtr fd;kA

11-5- fMEkSV [kkRks %cSad ,u-,l-Mh-,y- vkSj lh-Mh-,l-,y- nksuksa d¢ fYk, fu{ksikxkj LkgHkkXkh gSA fnukad 31-03-2013 dh fLFkfr ds vuqlkj gekjs cSad esa 71186 MheSV [kkrs gSa vkSj 1193 vkWuykbu VªsÇMx [kkrs gSaA foŸkh; o"kZ 2012&13 ds nkSjku VªsÇMx dkjksckj ls 2-69 djksM+ #i;s dk dEkh'kUk vfTkZRk gqvkA cSad us vius Mh&esV [kkrk/kkjdksa dks 298 p;fur 'kk[kkvksa ds ek/;e ls vkWuykbu VªsÇMx lqfo/kk iznku djUks d¢ fYk, vkbZ-Mh-ch-vkbZ- dsfiVy ekÆdV lÆofll fyfefVM ds lkFk vkSj eSltZ dkohZ LVkWd czksÇdx fyfefVM ds lkFk xBca/ku fd;k gSA

11-6- lksus ds flDds gEkkjs cSad esa fofHkUUk ewY;oxks± ¼5 xzke] 8 xzke ,oa 10 xzke½ ds lksus ds flDdksa dh fjVsy fcØh 30-10-2010 dks izkjaHk dh xbZA foŸkh; o"kZ 2012&13 ds nkSjku gekjs cSad us lHkh {ks=ksa esa 270 fuÆn"V 'kk[kkvksa ds tfj, 19572 lksus ds flDdksa dh fcØh dh vkSj 2-04 djksM+ #i;s dk ykHk vÆtr fd;kA

11-7 ;w-vkbZ-Mh- dkMZ cSad dks HkkjRkh¸k fof'k"V igpku izkf/kdj.k }kjk jftLVªkj fu;qä fd;k x;k gS vkSj fOkÙkh¸k Ok"kZ 2012&13 Eksa bLk izkstsDV ds Qst&II esa 14-60 yk[k ls vf/kd ukekadu fd, x,A foŸkh; o"kZ 2012&13 esa geus ;w-vkbZ-Mh-,-vkbZ- ls 3-08 djksM+ #i;s dk deh'ku izkIr fd;kA ¸kwvkbZMh UkkEkkadUk IkzfØ¸kk vkB jkT¸kksa@Lka?kh¸k jkT¸k {ks«kksa fTkUkEksa fnYYkh] IkaTkkCk] gfj¸kk.kk] Ek/¸k Ikzns'k] jkTkLFkkUk] Ekgkjk"Vª RkFkk d¢jYk 'kkfEkYk gSa] esa PkYk jgh gS

11-8 Ukdnh IkzCka/kUk LksOkk,a ¼Lkh,Ek,Lk½ %cSad vius xzkgdksa dh vko';drkvksa ds vuq:i izHkkoh vkSj vko';drk vk/kkfjr lh,e,l lek/kku iznku dj jgk gSA cSad udnh izca/ku lsokvksa

24



offering Collections, Payments and Custodial Services to the Customers under Cash Management Services. The Bank has 136 CMS collection centres across India. The Bank has registered a turnover of above Rs. 749.89 Crores and earned a commission of Rs.1.21 Crores during the financial year of 2012-13.11.9 Oriental Bank of Commerce-SBI Credit CardsOur Bank signed an MOU with SBI Cards on 14.09.2011 and launched Co-branded Credit Cards on 22.10.2011. There are two types of Credit Cards being issued: (i) SBI-Oriental Bank of Commerce Gold & More (ii) SBI-Oriental Bank of Commerce Platinum. These cards are being issued in two variants i.e. Secured and Unsecured. There are 19 Regional Offices and 456 branches have been authorized to source unsecured credit cards. Secured Cards can be sourced by all the branches. As on 31.03.2013, 22666 cards had been sourced by the branches, out of which 14198 cards were issued. 12. BRANCH EXPANSIONDuring 2012-13, the Bank has opened 209 new branches besides up gradation of 19 Extension Counters. As on 31.03.2013, the total number of branches stood at 2000 as against 1772 as on 31.03.2012. The population group-wise classification of branches is as under :

S.N. Classification 31.03.2013 31.03.20121. Rural 468 369

2. Semi-urban 561 482

3. Urban 541 524

4. Metropolitan 430 397

Total 2000 1772

13. CUSTOMER SERVICEThe Bank in its endeavor to achieve excellence in customer service has started many customer friendly services viz. Mobile Banking (OBCMPAY) besides Internet Banking Services both for individuals and corporates, SMS alert service, Cheque/Cash deposit facility through some of the Bank’s ATMs. Funds transfer through ATMs (only among accounts linked to a ATM card), facility of Cheque Status Inquiry and Stop cheque payment available 24x7 on Bank’s ATMs, deployment of Point of Sale (POS) Terminals at the identified prospective Merchant Establishments, Cheque deposit machines at some of the branches to facilitate cheque deposit with acknowledgment generated by the machine itself, online payment of service taxes etc. These services are helpful for the customers to get their transactions done speedily and easily. For Senior Citizens customers there is provision for separate queue in the branches. Format of passbooks (Savings Deposit, Progressive Deposit, OGC) have been reviewed in order to make it more informative. The Bank has adopted and implemented voluntary codes of BCSBI for individual customers, Fair Practice code for lenders, Micro and Small Enterprise (MSEs) code to provide fair, transparent and quality service to all the customers and to provide greatest satisfaction to the customers. The codes are displayed on the Bank’s website for information and printed copies are also available at branches for customers’ information.

ds varxZr vius xzkgdksa dks laxzg.k] Hkqxrku vkSj vfHkj{kd lsok,a iznku dj jgk gSA cSad d¢ ns'k Hkj esa 136 lh,e,l laxzg.k d¢Unz gSaA cSad us foŸkh; o"kZ 2012&13 ds nkSjku 749-89 djksM+ #i, ls vf/kd dk VuZvksoj ntZ fd;k vkSj 1-21 dj¨M++ #i, dk deh'ku vÆtr fd;kA

11-9 vksfj¸kUVYk CkSad vkWQ dkWEkLkZ&,LkCkhvkbZ ØsfMV dkMZgEkkjs CkSad Uks 14-09-2011 dks ,LkCkhvkbZ dkM~LkZ d¢ lkFk LkEkÖkkSRkk KkIkUk Ikj gLRkk{kj fd, vkSj 22-10-2011 dks dks&czksafMM ØsfMV dkMks± dh 'kq:vkRk dhA nks Ikzdkj d¢ ØsfMV dkMZ Tkkjh fd, Tkk jgs gSa% (i) ,lchvkbZ&vksfj;UVy cSad vkWQ dkWelZ xksYM ,.M eksj (ii) ,lchvkbZ&vksfj;UVy cSad vkWQ dkWelZ IysfVueA dkMZ nks :Ikksa Eksa Tkkjh fd, Tkk jgs gSa 1- TkEkkUkRkh 2- XkSj&TkEkkUkRkhA XkSj TkEkkUkRkh ØsfMV dkMZ IkzkIRk djUks d¢ fYk, 19 Áknsf'kd dk;kZy; vkSj 456 'kk[kk,a vf/k—r dh XkbZ gSaA TkEkkUkRkh dkMZ lHkh 'kk[kkvksas }kjk cuok, tk LkdRks gSaA fnUkkad 31-03-2013 dh fLFkfRk vUkqLkkj gEkkjh 'kk[kkvksa }kjk 22666 XkSj TkEkkUkRkh dkMZ l¨lZ fd, Xk,] fTkUkEksa Lks 14198 dkMZ Tkkjh gq,A

12- 'kk[kk foLrkjo"kZ 2012&13 ds nkSjku cSad us 19 foLrkj iVyksa dk mUUk;u djus ds lkFk&lkFk 209 ubZ 'kk[kk,a [kksyhaA 31-03-2013 dh fLFkfr ds vuqlkj cSad dh dqy 'kk[kk,a 2000 jgha tcfd 31-03-2012 dks budh la[;k 1772 FkhA'kk[kkvksa ds tula[;k lewgokj oxhZdj.k dh fLFkfr fuEukuqlkj gS %

Ø-la- oxhZdj.k 31.03.2013 31.03.20121. xzkeh.k 468 369

2. v)Z'kgjh 561 482

3. 'kgjh 541 524

4. egkuxjh; 430 397dqy 2000 1772

13- Xkzkgd LksOkk

CkSad Uks mR—"V LksOkk,a IkznkUk djUks d¢ vIkUks Ikz¸kkLk Eksa dbZ Xkzkgd EkS«khIkw.kZ LksOkk,a vkjaHk dh gS TkSLks & O¸kfä¸kksa RkFkk dkWjIkksjsV nksUkksa d¢ fYk, baVjUksV CkSafdaXk LksOkkvksa d¢ vfRkfjDr EkksCkkbYk CkSafdaXk ¼vksCkhLkh,EkIks½] ,Lk,Ek,Lk vYkVZ LksOkk] CkSad d¢ dqN ,Vh,Ek d¢ Tkfj, Pksd@Ukdnh TkEkk djUks dh LkqfOk/kk] ,Vh,Ek d¢ Tkfj, fUkf/k vaRkj.k ¼d¢OkYk ,Vh,Ek dkMZ Lks TkqM+s [kkRkksa d¢ CkhPk½] Pksd dh fLFkfRk d¢ Ckkjs Eksa IkwNRkkN RkFkk Pksdksa dk HkqXkRkkUk jksdUks dh LkqfOk/kk CkSad d¢ ,Vh,Ek Ikj 24×7 mIkYkC/k gS] p;fur HkkOkh EkPks±V LkaLFkkUkksaa Ikj fcØh d¢anz VfeZuy ¼Ikhvks,Lk½ dh LFkkIkUkk] Pksd TkEkk djkUks dh LkqfOk/kk ds fYk, dqN 'kk[kkvksa Eksa Pksd TkEkk djUks dh Ek'khUk YkXkkUkk fTkUkEksa IkkOkRkh LkwPkUkk LOk¸ka Ek'khUk }kjk fUkdkYkh TkkRkh gS] LksOkk djksa vkfn dk vkWUkYkkbUk HkqXkRkkUk djUks dh LkqfOk/kk vkfnA ¸ks LkqfOk/kk,a Xkzkgdksa }kjk vIkUks YksUk&nsUk 'kh?kzRkk vkSj vkLkkUkh Lks djUks Eksa Lkgk¸kd gSaA 'kk[kkvksa Eksa Okfj"B UkkXkfjd Xkzkgd¨a d¢ fy, vYkXk Ikafä CkUkk, TkkUks dk IkzkOk/kkUk gSA iklcqd ¼cpr tek] vkorhZ tek] v¨thlh½ dh iklcqd d¨ vf/kd lwpukÁn cukus d¢ fy, bu d¢ QkesZV dh leh{kk dh xbZA

CkSad Uks LkHkh Xkzkgdksa dks] Ikkjn'khZ RkFkk Xkq.kOkŸkkIkjd LksOkk,a nsUks RkFkk Xkzkgdksa dks LkOkkZf/kd LkaRkqf"V IkznkUk djUks d¢ fYk, O¸kfäXkRk Xkzkgdksa d¢ fYk, CkhLkh,LkCkhvkbZ dh LOkSfPNd LkafgRkk] _.knkRkkvksa d¢ fYk, mfPkRk O¸kOkgkj LkafgRkk v©j lw{e rFkk yÄq m|e lafgrk vIkUkkbZ Ok YkkXkw dh gSA ¸ks LkafgRkk,a CkSad dh OksCkLkkbV Ikj LkwPkUkkFkZ mIkYkC/k gSa vkSj Xkzkgdksa dh TkkUkdkjh d¢ fYk, bUkdh EkqfnzRk IkzfRk¸kka 'kk[kkvksa Eksa mIkYkC/k gSA CkSad dh TkEkk ¸kksTkUkkvksa] _.k ¸kksTkUkkvksa] fLkVhTkUk PkkVZj] CkSafdaXk YkksdIkkYk]

25



The updated information on Bank’s Deposit Schemes, Loan Schemes, Citizen’s Charter, Banking Ombudsman, SSI Charter, Forex Remittances, Service Charges and Bank’s Policies viz Financial Inclusion Policy, Cheque Collection and Compensation Policy, Grievance Redressal Policy, Policy on Collection of dues & Repossession of Security etc. have been displayed in Public domain of Bank’s website. These are also available at branches in booklet/pamphlet form. “Query & Suggestion” link is provided on website to get feedback from customers. Complaint/Suggestion Boxes are provided at branches where a customer can drop his/her complaint or suggestion.The Customer Service Meetings are being held regularly at Branch level, Regional Office level and Head Office level. These meetings ensure the proper implementation of guidelines issued by regulatory authorities. The customers are invited to attend these meetings and give their valuable suggestion/feedback on bank’s services and schemes. The Bank is committed to give excellent customer service for the customers’ maximum satisfaction. Web-based Customer Grievance Redressal system is provided for prompt redressal of customers grievances. A dedicated Customer Care Centre on toll free Number 1800-180-1235 has been set up for clarifying the customers account related and other queries. Separate SLBC Helpline Number 1800-180-0124 has also been started.14. KNOW YOUR CUSTOMER (KYC) NORMS &

ANTIMONEY LAUNDERING (AML) MEASURESTo comply with the various laws and regulations, national as well as international, Govt. of India and Reserve Bank of India directives / instructions & guidelines, primarily to prevent the bank from being used, intentionally or unintentionally, by criminal elements for money laundering activities, OBC ‘KYC’ Policy has been formulated. The Policy combines four key elements viz. “Customer Acceptance Policy”, “Customer Identification Procedures”, “Monitoring of Transactions” and “Risk Management”. This enables the bank to know / understand the customers and their financial dealings better and helps in managing risks prudently. The detailed guidelines and subsequent instructions are being reiterated from time to time for strict compliance by the field functionaries. The bank is already complying with the requirement of submission of statutory reports to the FIU-IND as a sequel to the legislation on Prevention of Money Laundering Act, 2002 and its Amendment Act, 2012. The Bank has already operationalised Anti-Money Laundering software solution for complying with KYC Norms / AML Measures and generation of alerts to detect any suspicious transaction. Alerts are being scrutinized and STRs are being submitted to FIU-IND. Bank is also submitting all the required data/returns relating to KYC/AML to the regulatory bodies.

15. USE OF HINDI IN THE BANKDuring the year 2012-13, Bank continued its concerted efforts to accelerate use of Hindi and implement the guidelines/directives received from Govt. of India and Reserve Bank of India. Concrete and effective steps were taken to achieve the

Yk?kq m|ksXk PkkVZj] fOkns'kh Ekqnzk Ikzs"k.k] LksOkk IkzHkkjksa vkSj CkSad dh UkhfRk¸kksa TkSLks% fOkÙkh¸k LkEkkOks'kUk UkhfRk] Pksd laxzg.k vkSj IkzfRkIkwfRkZ UkhfRk] f'kdk¸kRk fUkOkkj.k UkhfRk] ns¸kRkkvksa dh OkLkwYkh RkFkk IkzfRkHkwfRk¸kksa dks dCTks Eksa YksUks dh UkhfRk vkfn CkSad dh OksCkLkkbV Ikj LkkOkZTkfUkd :Ik Lks Ikznf'kZRk dh XkbZ gSaA ¸ks CkSad dh 'kk[kkvksa Eksa CkqdYksV@IksEQysV :Ik Eksa Hkh mIkYkC/k gSaA Xkzkgdksa dh IkzfRkfdz¸kk TkkUkUks d¢ fYk, *'kadk,a ,Oka LkqÖkkOk* fYkad OksCkLkkbV Ikj IkznkUk fd¸kk Xk¸kk gSA 'kk[kkvksa Eksa f'kdk¸kRk@LkqÖkkOk IksfVdk,a mIkYkC/k gSa] fTkUkEksa Xkzkgd vIkUkh f'kdk¸kRk ¸kk LkqÖkkOk MkYk LkdRks gSaA

'kk[kk LRkj] Ikzknsf'kd dk¸kZZYk¸k LRkj RkFkk Ikz/kkUk dk¸kkZYk¸k LRkj Ikj Xkzkgd LksOkk CkSBdksa dk fUk¸kfEkRk :Ik Lks vk¸kksTkUk gksRkk gSA ¸ks CkSBd¢a fUk¸ka«k.k Ikzkfèkdkfj¸kksa }kjk Tkkjh fn'kkfUknsZ'kksa dk mIk¸kqä dk¸kkZUOk¸kUk LkqfUkf'PkRk djRkh gSaA Xkzkgdksa dks bUk CkSBdksa Eksa HkkXk YksUks d¢ fYk, vkSj CkSad dh LksOkkvksa Ok ¸kksTkUkkvksa Ikj vIkUks CkgqEkwY¸k LkqÖkkOk@O¸kfäXkRk QhMCkSd nsUks d¢ fYk, vkEkaf«kRk fd¸kk TkkRkk gSA CkSad Xkzkgdksa dh vf/kdRkEk LkaRkqf"V d¢ fYk, mR—"V Xkzkgd LksOkk IkznkUk djUks d¢ fYk, IkzfRkCk) gSA

Xkzkgdksa dh f'kdk¸kRkksa d¢ RkqjaRk fUkOkkj.k d¢ fYk, OksCk vk/kkfjRk Xkzkgd f'kdk¸kRk fUkOkkj.k Ik)fRk mIkYkC/k gSA Xkzkgdksa d¢ [kkRkksa LkaCka/kh TkkUkdkjh RkFkk vU¸k 'kadkvksa d¢ LkEkk/kkUk d¢ fYk, VkWYk Qzh Lka[¸kk 1800&180&1235 Ikj ,d LkEkfIkZRk Xkzkgd LksOkk d¢anz LFkkfIkRk fd¸kk Xk¸kk gSA ,d vYkXk ,l,ychlh gsYIkykbu la[;k 1800&180&0124 Òh 'kq: dh xbZ gSA

14- vIkUks Xkzkgd dks TkkfUk, ¼d¢OkkbZLkh½ EkkUknaM vkSj dkYks /kUk dk 'kks/kUk fUkOkkj.k ¼,,Ek,Yk½ mIkk¸k

fofHkUUk jk"Vªh; o varjjk"Vªh; dkuwuh fofu;eksa] Hkkjr ljdkj vkSj Hkkjrh; fjtoZ cSad ds funsZ'kksa@vuqns'kksa o ekxZfunsZ'kksa dk ikyu djus ds fy, vkSj eq[;r% vkijkf/kd rRoksa }kjk tkucwÖkdj ;k vutkus esa cSad dk iz;ksx dkyk /ku 'kks/ku dk;ks± ds fy, djus ls jksdus ds fy,] *vksCkhLkh *d¢OkkbZLkh* uhfr cukbZ xbZ gSA bl uhfr esa pkj izeq[k rRo gSa% xzkgd Lohdj.k uhfr] xzkgd igpku izfØ;k] ysu&nsuksa dh ekWfuVÇjx rFkk tksf[ke izca/kuA blls cSad dks xzkgdksa o muds foŸkh; ysunsuksa dks csgrj <ax ls tkuus&leÖkus esa vkSj tksf[ke dk izca/k vf/kd foosdiw.kZ rjhds ls djus esa lgk;rk feysxhA QhYM esa dk;Z dj jgs vf/kdkfj;ksa }kjk l[rh ls ikyu fd, tkus gsrq foLr`r ekxZfunsZ'k ,oa vuqorhZ vuqns'k le;≤ ij nksgjk, tkrs jgs gSaA dkys /ku dk 'kks/ku fuokj.k vfèkfu;e] 2002 vkSj bLkd¢ Lka'kks/kUk vf/kfUk¸kEk] 2012 ds vuqdj.k esa cSad igys gh foŸkh; vklwpuk bZdkbZ bafM;k ,QvkbZ;w&vkbZ,aMMh dks lkafof/kd foojf.k;ka izLrqr djus dh vis{kk dk ikyu dj jgk gSA cSad us dsokbZlh] ,,e,y ekunaMksa ds vuqikyu gsrq vkSj lafnX/k laO;ogkjksa dk irk yxkus ds vYkVZ TksUkjsV djUks d¢ fy, dkYks /kUk dk 'kks/kUk fUkOkkj.k lk¶Vos;j lkWY;w'ku YkkXkw dj fn;k gSA vYkVks± dh TkkaPk dh Tkk jgh gS vkSj ,Q¸kwvkbZ;w&baM dks ,LkVhvkj HksTkh Tkk jgh gSA CkSad d¢OkkbZLkh@,,Ek,Yk Lks LkaCkaf/kRk LkHkh vIksf{kRk [email protected]¸kka Hkh fUk¸kkEkd fUkdk;¨a dks HksTk jgk gSA

15 cSad esa Çgnh dk iz;ksx

cSad us o"kZ 2012&13 ds nkSjku] fgUnh ds iz;ksx dks c<+kok nsus rFkk Hkkjr ljdkj vkSj Hkkjrh; fjt+oZ cSad ls izkIr ekxZfunsZ'kksa funs'kksa dk iwjh rjg ls ikyu djus ds laca/k esa vius lkFkZd iz;kl tkjh j[ksA jktHkk"kk foHkkx] x`g ea=ky;] Hkkjr ljdkj }kjk tkjh fd, x, okÆ"kd

26



region wise targets set in the Annual Programme- 2012-13 by the Department of Official Language, Ministry of Home Affairs, Govt. of India

Bank was awarded Indira Gandhi Rajbhasha Protsahan Puraskar for the year 2010-11 by Hon’ble President Of India Sh. Pranab Mukharjee and Consolation prize in ‘B’ region under Reserve Bank Rajbhasha Shield Competition 2010-11 for its excellent performance in the field of Rajbhasha Hindi. Regional Office, New Delhi was selected for Second Prize by Northern Regional Implementation Office, Rajbhasha Vibhag, Min. of Home Affairs. Regional Offices Gurgaon,Delhi/ New Delhi & B/O Mangalore were awarded by respective Town Official Language Implementation Committees (2011-12) for doing excellent work in Hindi. Bank’s In-House Magazine AADHAAR was awarded Second Prize by the Delhi Bank’s Town Official Language Implementation Committee.

Hon’ble Parliamentary Committee on Official Language visited our Uttarkashi Branch on 02.06.2012 & Drafting & Evidence Sub-Committee Of Parliamentary Committee on Official Language held discussions on progress made in the use of Hindi with Regional Head, RO Bangalore and appreciated the works being done in Hindi in the Bank.

Progress made in use of Hindi in IT

i. Weekly SMS Alerts in Hindi were sent to Bank’s account holders.

ii. Hindi Templates of routine letters, on line English-Hindi Banking Glossary, Official Language Act & Rules, directions for unicode settings, bilingual software & Hindi Fonts for download and e–circulars, schemes, policies,forms,Finacle Job Cards etc. were provided in Hindi at Bank’s Web Portal to facilitate working in Hindi.

iii. Bank’s Website is available in Hindi Unicode besides English.

iv. Officers/ Employees were imparted training to work on computer in Hindi and send e-mail in Hindi with the help of Unicode.

v. To provide banking facilities to customers in Hindi also by CBS branches, bilingual Software Script Magic has been provided in the branches of the Bank .

vi. Bank implemented on-line submission & consolidation of Quarterly & Annual Hindi Progress Report through Chris Mac-MIS.

Bank hosted 87th meeting of Coordination Committee on Training, RBI at Chandigarh on 07.12.2012 in which higher officials from public sectors Banks & financial institutions participated. A Hindi Handout on” Sarkari Karobar” was also released in the meeting. A three day conference of Hindi Officers of the Bank was organized at STC, Noida. Noting Sahayika in Hindi was prepared & provided to employees to increase use of Hindi.

Hindi-Day/Hindi-Fortnight was celebrated in all offices / branches of the bank in the month of September, 2012 and

dk;ZØe 2012&13 esa fu/kkZfjr fofHkUUk {ks=okj y{;ksa dks izkIr djus gsrq Bksl ,oa dkjxj dne mBk, x,A

CkSad dks jkTkHkk"kk fgUnh d¢ {ks«k Eksa fd, Xk, mR—"V dk¸kZ d¢ fYk, HkkjRk d¢ EkgkEkfgEk jk"VªIkfRk Jh Ikz.kCk Ekq[kTkhZ }kjk Ok"kZ 2010&11 d¢ fYk, bafnjk Xkka/kh jkTkHkk"kk IkzksRLkkgUk IkqjLdkj IkznkUk fd¸kk Xk¸kk A bLkd¢ vfRkfjä] CkSad dks fjTkOkZ CkSad jkTkHkk"kk 'khYM IkzfRk¸kksfXkRkk 2010&11 d¢ fYk, *[k* {ks«k Eksa LkkaROkUkk IkqjLdkj IkzkIRk gqvkA Ikzknsf'kd dk¸kkZYk¸k] UkbZ fnYYkh dks mÙkjh {ks«kh¸k dk¸kkZUOk¸kUk dk¸kkZYk¸k] jkTkHkk"kk fOkHkkXk] Xk`g Eka«kkYk¸k] HkkjRk Lkjdkj }kjk f}Rkh¸k IkqjLdkj d¢ fYk, PkqUkk Xk¸kkA Ikzknsf'kd dk¸kkZYk¸k] XkqM+XkkaOk] fnYYkh@UkbZ fnYYkh RkFkk 'kk[kk dk¸kkZYk¸k] EkaXkYkkSj dks LkaCkaf/kRk UkXkj jkTkHkk"kk dk¸kkZUOk¸kUk LkfEkfRk¸kksa }kjk fganh Eksa fd, Xk, mR—"V dk¸kZ d¢ fYk, IkqjL—Rk ¼2011&12½ fd¸kk Xk¸kkA CkSad dh Xk`g Ikf«kdk *vk/kkj* dks fnYYkh CkSad UkXkj jkTkHkk"kk dk¸kkZUOk¸kUk LkfEkfRk }kjk f}Rkh¸k IkqjLdkj IkznkUk fd¸kk Xk¸kkA

EkkUkUkh¸k LkaLknh¸k jkTkHkk"kk LkfEkfRk Uks fnUkkad 02-06-2012 dks gEkkjh mÙkjdk'kh 'kk[kk dk nkSjk fd¸kk vkSj LkaLknh¸k jkTkHkk"kk LkfEkfRk dh vkYks[k ,Oka Lkk{¸k mIkLkfEkfRk Uks Ikzknsf'kd v/¸k{k] Ikzknsf'kd dk¸kkZYk¸k] CkaXkYkkSj d¢ LkkFk fgUnh d¢ Ikz¸kksXk Eksa gqbZ IkzXkfRk d¢ fOk"k¸k Eksa fOkPkkj&fOkEk'kZ fd¸kk RkFkk CkSad Eksa fgUnh Eksa fd, Tkk jgs dk¸kks± dh LkjkgUkk dhA

LkwPkUkk IkzkS|ksfXkdh Eksa fgUnh d¢ Ikz¸kksXk Eksa gqbZ IkzXkfRk

i. cSad ds [kkRkk/kkjdksa dks LkkIRkkfgd ,Lk,Ek,Lk vYkVZ fgUnh Eksa HksTks Xk,A

ii. fgUnh Eksa dk¸kZ djUks esa lgk;rk nsUks d¢ fYk, CkSad d¢ OksCkIkksVZYk Ikj #VhUk Ik«kksa d¢ fgUnh VsEIYksV] vkWUkYkkbUk vaXkzsTkh fgUnh CkSafdaXk 'kCnkOkYkh] jkTkHkk"kk vf/kfUk¸kEk Ok fUk¸kEk] ¸kwfUkdksM LksfVaXLk d¢ fUknsZ'k] MkmUkYkksM gsRkq f}Hkk"kh LkkW¶VOks¸kj Ok fgUnh QkWUV] bZ IkfjIk«k] ¸kksTkUkk,a] UkhfRk¸kka] QkEkZ] fQUksdYk TkkWCk dkMZ vkfn fgUnh Eksa mIkYkC/k djk, Xk,A

iii. CkSad dh OksCkLkkbV vaXkzsTkh d¢ LkkFk&LkkFk fgUnh ¸kwfUkdksM Eksa Hkh mIkYkC/k gSA

iv. vf/kdkfj¸kksa@dEkZPkkfj¸kksa dks daI¸kwVj Ikj fgUnh Eksa dk¸kZ djUks Ok ¸kwfUkdksM dh Lkgk¸kRkk Lks fgUnh Eksa bZ EksYk HksTkUks dk Ikzf'k{k.k fn¸kk Xk¸kkA

v. LkhCkh,Lk 'kk[kkvksa }kjk Xkzkgdksa dks fgUnh Eksa Hkh CkSafdaXk LkqfOk/kk,a IkznkUk fd, TkkUks d¢ fYk, 'kk[kkvksa Eksa f}Hkkf"kd LkkW¶VOks¸kj fLØIV EkSfTkd mIkYkC/k djk¸kk Xk¸kk gSA

vi. CkSad Uks fØLk EkSd & ,EkvkbZ,Lk d¢ }kjk fRkEkkgh ,Oka Okkf"kZd fgUnh IkzXkfRk fjIkksVZ dk vkWUkYkkbUk IkzLRkqRkhdj.k Ok LkEksdUk YkkXkw fd¸kk A

CkSad Uks HkkjRkh¸k fjTkOkZ CkSad dh Ikzf'k{k.k LkEkUOk¸k LkfEkfRk dh 87Okha CkSBd dk vk¸kksTkUk 07-12-2012 dks PkaMhXk<+ Eksa fd¸kk fTkLkEksa Lkjdkjh {ks«k d¢ CkSadksa RkFkk fOkÙkh¸k LkaLFkkvksa d¢ mPPkkf/kdkfj¸kksa Uks HkkXk fYk¸kkA bLk CkSBd Eksa *Lkjdkjh dkjksCkkj* fOk"k¸k Ikj fgUnh gS.MvkmV dk fOkEkksPkUk Hkh fd¸kk Xk¸kkA CkSad d¢ fgUnh vf/kdkfj¸kksa d¢ f«kfnOkLkh¸k LkEEksYkUk dk vk¸kksTkUk dEkZPkkjh Ikzf'k{k.k EkgkfOk|kYk¸k] Ukks,Mk Eksa fd¸kk Xk¸kkA fgUnh dk Ikz kksXk Ck<+kUks d¢ fYk, fgUnh UkksfVaXk Lkgkf¸kdk CkUkkbZ XkbZ Ok dEkZPkkfj¸kksa dks nh XkbZA

CkSad d¢ LkHkh dk¸kkZYk¸kksa@'kk[kkvksa Eksa fgUnh fnOkLk@fgUnh Ik[kOkkM+k fLkRkaCkj] 2012 Ekkg Eksa EkUkk¸kk Xk¸kk vkSj fOkfHkUUk IkzfRk¸kksfXkRkk,a vk¸kksfTkRk dh

27



various competitions were conducted. The winners of Hindi competitions were awarded by our worthy CMD in a function organized at Corporate Office. Bank conducted an Inter Bank Hindi Chitra Kahani Lekhan Competition under auspices of Delhi Banks Town Official Language Implementation Committee. Our staff members won prizes in various Inter Bank competitions.Bank’s Quarterly IT magazine ‘IT Chintan’ is being published in Hindi also. All the issues of Bank’s quarterly In-House Magazine “AADHAAR” were published regularly in bilingual form i.e. in Hindi and English.16. RECOVERYThe Bank has made concerted efforts for recovery of NPAs and as a result of this the Bank could make Cash Recovery of Rs.1525.77 Crore during the Financial Year 2012-13. Out of the said Cash Recovery, a sum of Rs.771.83 Crore has been added as recovery towards the Revenue of the Bank. Further, all the available recovery mechanism have been utilized by the Bank, viz. holding of Recovery Camps, floating of “Special One Time Settlement Schemes for NPAs with O/S upto Rs. 10.00 Lakh”, participating in Lok Adalats, taking action under SARFAESI Act-2002, initiating legal action in the competent Courts of Law and settling of cases under general settlement policy of the Bank. However, due to global recession, Indian economy has also been affected and the NPAs of the Bank has increased in comparison to the previous financial year from Rs. 3580.49 Crore as on 31.03.2012 to Rs. 4183.96 Crore as on 31.03.2013. Accordingly, the Gross NPA percentage to gross advances has increased to 3.21% against 3.17% of corresponding F.Y. and the Net NPA of the bank has increased to 2.27% against 2.21% of corresponding F.Y.The Bank is taking all possible efforts to strengthen the recovery mechanism to minimize the delinquencies. A sub-committee of Board has been constituted to monitor the position NPA, Slippages and Recovery.17. HUMAN RESOURCE DEVELOPMENT & TRAININGHuman Resource Development Department during the year 2012-13 has taken a significant turn with Government of India, Ministry of Finance, Department of Financial Services bringing changes in Eligibility criteria for Promotions with Rural/ Semi-Urban experience, Timelines for Transfers, Annual Performance Appraisal System etc for uniform implementation across Public Sector Banks. This necessitated PSBs to gear up their machinery to meet the aspirations of the Govt. of India. Our Bank has been one among the first groups to implement the above Government guidelines and complete the process in time.The emphasis of training for the year 2012-13 is more on developing leadership in pipeline to meet the challenges ahead of large scale retirements. The Bank has drawn up a full fledged document on Succession Planning by preparing a talent pool and identifying High Potential Individuals to man the key positions in the Bank. These High Potential Individual are being groomed to take over the key positions in future in the Bank. The Bank has also conducted number of programmes on Leadership Development viz Leadership for Branch Managers, Role Change for Officers, Management Development Programme for Senior Executives.

XkbZA dkjIkksjsV dk¸kkZYk¸k] XkqM+XkkaOk Eksa gq, LkEkkjksg Eksa fgUnh IkzfRk¸kksfXkRkkvksa d¢ fOkTksRkkvksa dks EkkUkUkh¸k v/¸k{k ,Oka IkzCka/k fUkns'kd }kjk IkqjL—Rk fd¸kk Xk¸kkA CkSad Uks fnYYkh UkXkj CkSad jkTkHkk"kk dk¸kkZUOk¸kUk LkfEkfRk d¢ RkROkkOk/kkUk Eksa vaRkj CkSad fgUnh fPk«k dgkUkh Yks[kUk IkzfRk¸kksfXkRkk dk vk¸kksTkUk fd¸kk Xk¸kkA gEkkjs LVkQ LknL¸kksa Uks fOkfHkUUk vaRkj CkSad IkzfRk¸kksfXkRkkvksa Eksa IkqjLdkj TkhRksA

CkSad dh fRkEkkgh vkbZVh Ikf«kdk *vkbZ Vh fPkaRkUk* fgUnh Eksa Hkh Ikzdkf'kRk dh Tkk jgh gSA cSad dh =Sekfld x`g if=dk ^vk/kkj* ds lHkh vad fu;fer :i ls fgUnh o vaxzsth nksuksa Hkk"kkvksa esa izdkf'kr fd, x,A

16- OkLkwYkh

CkSad Uks ,UkIkh, dh olwyh ds xaHkhj iz;kl fd,] ftlds ifj.kker% cSad us foŸkh; o"kZ 2012&13 d¢ n©jku 1525-77 djksM+ #i, dh udn olwyh dhA mä udn olwyh esa ls 771-83 djksM+ #i, dh jkf'k cSad ds jktLo esa tksM+h xbZA LkkFk gh] CkSad Uks LkHkh mIkYkC/k OkLkwYkh Ik)fRk¸kksa dk dkjXkj mIk¸kksXk fd¸kk] TkSLks fd OkLkwYkh dSEIk YkXkkUkk] *10-00 Ykk[k #- Rkd dh Ckdk¸kk jkf'k OkkYks ,UkIkh, [kkRkksa d¢ fYk, fOk'ks"k ,dCkkjXkh LkEkÖkkSRkk ;¨tuk* pykuk] Ykksd vnkYkRkksa Eksa LkgHkkfXkRkk] LkjQsLkh vf/kfUk¸kEk] 2002 d¢ vaRkXkZRk dkjZOkkbZ djUkk] Lk{kEk dkUkwUkh vnkYkRkksa Eksa dkUkwUkh dkjZOkkbZ vkjaHk djUkk vkSj CkSad dh LkkEkkU¸k fUkIkVkUk UkhfRk d¢ vaRkXkZRk EkkEkYkksa dk fUkIkVkUk djUkkA rFkkfi oSf'od eanh ds izHkko ds dkj.k HkkjRkh¸k vFkZO¸kOkLFkk Ikj Hkh IkzfRkdwYk IkzHkkOk IkM+k vkSj cSad ds ,uih, fiNys foŸk o"kZ dh rqyuk esa c<+ x, v©j 31-03-2012 d¢ 3580-49 dj¨M+ #- ls c<+dj 31-03-2013 d¨ 4183-96 dj¨M+ #- g¨ x,A rFkkfi dqy vfxzeksa esa dqy ,uih, dk izfr'kr rnuq:ih fOkÙkh¸k o"kZ ds 3-17% ls Ck<+dj 3-21% gks x;k rFkk CkSad dk fUkOkYk ,UkIkh, Hkh fIkNYks fOkÙkh¸k Ok"kZ d¢ 2-21% ls Ck<+dj 2-27% jg x;kA

cSad xSj fu"Ikknd vkfLRk;¨a dks ¸kFkkLkaHkOk dEk djus ds fy, olwyh i)fr dks lqn`<+ cukus gsrq laHko iz;kl dj jgk gSA ,UkIkh,] fLYkIksTk vkSj OkLkwYkh dh fLFkfRk dks EkkWUkhVj djUks d¢ fYk, EkaMYk dh ,d mIk LkfEkfRk CkUkkbZ XkbZ gS A

17- EkkUkOk LkaLkk/kUk fOkdkLk ,Oka Ikzf'k{k.k

Ok"kZ 2012&13 d¢ nkSjkUk EkkUkOk LkaLkk/kUk fOkdkLk fOkHkkXk Uks HkkjRk Lkjdkj] fOkÙk Eka«kkYk¸k] fOkÙkh¸k LksOkk,a fOkHkkXk }kjk Lkjdkjh {ks«k d¢ CkSadksa Eksa ,dLkEkkUk dk¸kkZUOk¸kUk d¢ fYk, XkzkEkh.k@v/kZ'kgjh vUkqHkOk d¢ LkkFk IknksUUkfRk gsRkq Ikk«kRkk EkkUknaMksa] LFkkUkkaRkj.k d¢ fYk, LkEk¸k LkhEkk] Okkf"kZd dk¸kZfUk"IkknUk EkwY¸kkadUk Ik)fRk bR¸kkfn Eksa fd, Xk, IkfjOkRkZUk d¢ vUkq:Ik] EkgROkIkw.kZ dnEk mBk,A bLkLks Lkjdkjh {ks«k d¢ CkSadksa dks] HkkjRk Lkjdkj dh vIks{kkvksa dks Ikwjk djUks d¢ fYk, vIkUks Rka«k dks LkfØ¸k djUks dh Tk:jRk EkgLkwLk gqbZA gEkkjk CkSad] bUk Lkjdkjh EkkXkZfUknsZ'kksa dks YkkXkw djUks OkkYkk RkFkk LkEk¸k Ikj IkzfØ¸kk Ikwjs djUks OkkYks IkgYks CkSadksa Eksa Lks gSA

Ok"kZ 2012&13 d¢ fYk, Ikzf'k{k.k dk Ekq[¸k Tkksj] CkM+s IkSEkkUks Ikj gksUks OkkYkh LksOkkfUkOk`fÙk¸kksa Lks mRIkUUk PkqUkkSfRk¸kksa dk LkkEkUkk djUks d¢ fYk, UksRk`ROk dk fOkdkLk djUks Ikj jgkA CkSad Uks IkzfRkHkk LkEkwg CkUkkdj RkFkk CkSad d¢ EkgROkIkw.kZ Iknksa d¢ fYk, mPPk {kEkRkk OkkYks O¸kfDRk¸kksa dk vfHkfUk/kkZj.k djd¢ mÙkjkfèkdkj vk¸kksTkUkk Ikj ,d LkaIkw.kZ nLRkkOksTk CkUkk¸kk gSA bUk mPPk {kEkRkk OkkYks O¸kfDRk¸kksa dks] HkfOk"¸k Eksa CkSad d¢ EkgROkIkw.kZ Ikn LkaHkkYkUks d¢ fYk, Ikzf'kf{kRk fd¸kk Tkk jgk gSA CkSad Uks UksRk`ROk fOkdkLk Ikj Hkh dbZ dk¸kZØEk vk¸kksfTkRk fd, TkSLks 'kk[kk IkzCka/kdksa d¢ fYk, UksRk`ROk] vf/kdkfj¸kksa d¢ fYk, HkwfEkdk IkfjOkRkZUk] Okfj"B dk¸kZIkkYkdksa d¢ fYk, IkzCka/k fOkdkLk dk¸kZØEk bR¸kkfnA

rFkkfIk fUkEUkfYkf[kRk dk¸kZ {ks«kksa Eksa Ikzf'k{k.k Ikj fOk'ks"k /¸kkUk fn¸kk Xk¸kk%&

28



The focus of training however continued to be on the following functional areas:

Credit Management, Risk Management, Forex Management, Customer Relationship Management, NPA & Recovery Management, Agriculture Financing & Rural Development, Financial Inclusion, Refresher Programme for POs, Programme for Hall Incharge, General Banking for Officers, Soft Skills Development, CBS & IT Products, Programme on Reservation Policy for SC/ST/OBC etc.

In 418 programmes 10738 employees were imparted training in the above and other areas of Banking. In addition, 1395 officers were nominated in Advanced Training Programmes in key operational and behavioral areas in pioneer institutions like NIBM, Pune, College of Agricultural Banking, Pune; IBA, Mumbai; IDRBT, Hyderabad; NIBSCOM, Noida, Centre for Organizational Development, Hyderabad etc. Few Senior and Top Management functionaries were deputed for overseas training for Management Development Programmes/ Conferences/ Seminars to give them exposure to International best practices and their impact in Indian Banking.

During the year 2012-13, the Bank recruited 159 Probationary Officers, 167 Clerks, 216 Subordinate Staff and 172 Specialist Officers in different grades and streams such as Manager (FA), Manager (Risk Management), Officer (FA), Officer (Marketing) and Agriculture Officers, etc. The Bank further during the ensuing year plan to recruit around 1689 employees. The total staff strength as on 31st March, 2013 is 18891 comprising of 9905 Officers, 5601 Non-subordinate and 3385 Subordinates. The Bank also promoted 1482 employees in different cadres during the year 2012-13.

The bank complied with Govt. guidelines in respect of reservation in recruitment and promotion for SC/ST/OBC/PWD/Ex-Servicemen in letter and spirit. The Bank recruited 341 SC/ST/OBC category personnel in Officer, Clerical & Subordinate cadres during the year. The grievances of SC/ST/OBC employees, if any, were resolved through SC/ST and OBC Cells created at all Regional Offices and at Head Office with the coordination of Liaison Officers/Chief Liaison Officer. During the year 2012-13, the National Commission for Scheduled Castes held series of review meetings with the Bank in different geographical areas and expressed their satisfaction over the implementation of Government guidelines in respect of reservation for Scheduled Castes in the Bank. The Ministry of Finance, Govt. of India, Department of Financial Services during the period have also inspected the Reservation Rosters maintained for SC/ST/OBC/PWD/Ex-SM in the Bank and expressed satisfaction.

BOARD OF DIRECTORSDuring 2012-2013, 15 meetings of Board of Directors, 12 meetings of Management Committee of Board, 10 meetings of Audit Committee of Board, were held.

Sh. S L Bansal was the Chairman and Managing Director for the Financial Year 2012-13. Sh. Bhupinder Nayyar, joined the Board of the Bank as Executive Director under Sec 9 (3) (a) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 on 05.10.2012 after Sh.S C Sinha laid

_.k IkzCka/kUk] Tkksf[kEk IkzCka/kUk] fOkns'kh Ekqnzk IkzCka/kUk] Xkzkgd LkaCka/k IkzCka/kUk] ,UkIkh, ,Oka OkLkwYkh IkzCka/kUk] —f"k fOkÙkIkks"k.k ,Oka XkzkEkh.k fOkdkLk] fOkÙkh¸k LkEkkOks'kUk] ifjoh{kk vf/kdkfj¸kkssa d¢ fy, IkzOks'k dk;ZØe]gkWy bapktZ d¢ fy, dk;ZØe] vf/kdkfj;¨a d¢ fYk, lkekU; cSaÇdx] e`nq dkS'kYk fOkdkLk] LkhCkh,Lk] ,Oka vkbZVh mRIkknksa Ikj dk¸kZ'kkYkk,a] vUkq-Tkk-@vUkq-Tk-TkkfRk@vU¸k fIkNM+s OkXkZ d¢ fYk, vkj{k.k UkhfRk ij dk;ZØe vkfn A

mIkjksä fOk"k¸kksa vkSj CkSafdaXk d¢ vU¸k {ks«kksa Eksa dqYk 418 dk¸kZØEkksa Eksa 10738 dEkZPkkfj¸kksa dks Ikzf'k{k.k IkznkUk fd¸kk Xk¸kkA bLkd¢ vYkkOkk] ,UkvkbZCkh,Ek] Ikq.ks] —f"k CkSafdaXk EkgkfOk|kYk¸k] Ikq.ks] HkkjRkh¸k CkSad Lka?k] EkqECkbZ] vkbZMhvkjCkhVh] gSnjkCkkn] fUkCLkdkWEk] Ukks,Mk] lsaVj Qkj v¨jxukbts'kuy MsoyiesaV] gSnjkckn vkfn TkSLks dbZ 'kh"kZ Ikzf'k{k.k LkaLFkkUkksa Eksa EkgROkIkw.kZ IkfjPkkYkUkIkjd vkSj O¸kOkgkjIkjd {ks«kksa Eksa vk;¨ftr mUUkRk Ikzf'k{k.k dk¸kZØEkksa Eksa Hkh 1395 vf/kdkfj¸kksa dks UkkfEkRk fd¸kk Xk¸kkA dqN Okfj"B@LkOkksZPPk IkzCka/kUk vf/kdkfj¸kksa dks Hkh fOkns'k Eksa IkzCka/k fOkdkLk dk¸kZdzEkksa@LkEEksYkUkksa@LksfEkUkkjksa Eksa Ikzf'k{k.k gsRkq IkzfRkfUk¸kqä fd¸kk Xk¸kk Rkkfd Oks Js"B vaRkjjk"Vªh¸k dk¸kZfOkf/k¸kksa RkFkk HkkjRkh¸k CkSafdaXk Ikj mUkd¢ IkzHkkOk dks TkkUk Lkd¢aA

Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks 159 IkfjOkh{kk vf/kdkfj¸kksa] 167 fYkfIkdksa] 216 v/khUkLFk LVkQ vkSj IkzCka/kd ¼,Q-,-½ IkzCkU/kd ¼t¨f[ke ÁcU/k½] vf/kdkjh ¼,Q-,-½] vf/kdkjh ¼ekfdZfVXk½] —f"k vf/kdkfj¸kksa vkfn TkSLks fOkfHkUUk XkzsM vkSj {ks«kksa esa 172 fOk'ks"kK vf/kdkfj¸kksa dh HkRkhZ dhA bLkd¢ vYkkOkk] CkSad dh ¸kksTkUkk vkXkkEkh Ok"kZ Eksa 1689 dEkZPkkjh HkRkhZ djUks dh gSA 31 EkkPkZ] 2013 dh fLFkfRk d¢ vUkqLkkj CkSad Eksa dqYk dEkZPkkfj¸kksa dh Lka[¸kk 18891 gS] fTkLkEksa 9905 vf/kdkjh] 5601 XkSj&v/khUkLFk RkFkk 3385 vèkhUkLFk dEkZPkkjh gSaA Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks 1482 dEkZPkkfj¸kksa dks fOkfHkUUk LkaOkXkks± Eksa IknksUUkRk Hkh fd¸kkA

CkSad Uks vUkqLkwfPkRk TkkfRk@vUkqLkwfPkRk TkUkTkkfRk@vU¸k fIkNM+s OkXkZ d¢@ 'kkjhfjd :Ik Lks fOkdYkkaXk@HkwRkIkwOkZ LkSfUkd dEkZPkkfj¸kksa dh HkRkhZ ,Oka IknksUUkfRk Eksa vkj{k.k LkaCka/kh Lkjdkjh fn'kkfUknsZ'kksa dk v{kj'k% IkkYkUk fd¸kk gSA CkSad Uks Ok"kZ d¢ nkSjkUk vf/kdkjh] fYkfIkd ,Oka v/khUkLFk LkaOkXkks± Eksa 341 vUkqLkwfPkRk TkkfRk@vUkqLkwfPkRk TkUkTkkfRk@vU¸k fIkNM+s OkXkZ d¢ dkfEkZdksa dh HkRkhZ dhA vUkqLkwfPkRk TkkfRk@vUkqLkwfPkRk TkUkTkkfRk ,Oka vU¸k fIkNM+s OkXkZ d¢ dEkZPkkfj¸kksa dh f'kdk¸kRksa] ¸kfn dksbZ gksa] LkHkh Ikzknsf'kd dk¸kkZYk¸kksa vkSj Ikz/kkUk dk¸kkZYk¸k Eksa LkaIkdZ vf/kdkjh@Ekq[¸k LkaIkdZ vf/kdkjh dh ns[kjs[k Eksa dk¸kZjRk vUkqLkwfPkRk TkkfRk@vUkqLkwfPkRk TkUkTkkfRk ,Oka vU¸k fIkNM+s OkXkZ d{kksa d¢ Ekk/¸kEk Lks nwj dh XkbZaA Ok"kZ 2012&13 d¢ nkSjkUk] vUkqLkwfPkRk TkkfRk gsRkq jk"Vªh¸k vk¸kksXk Uks fOkfHkUUk HkksXkkSfYkd {ks«kksa Eksa CkSad d¢ LkkFk dbZ LkEkh{kk CkSBd¢a dha vkSj CkSad Eksa vUkqLkwfPkRk TkkfRk gsRkq vkj{k.k d¢ LkaCka/k Eksa Lkjdkjh fn'kkfUknsZ'kksa d¢ vUkqIkkYkUk Ikj LkaRkks"k O¸kä fd¸kkA fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj] fOkÙkh¸k LksOkk,a fOkHkkXk Uks Hkh bLk vOkf/k Eksa CkSad Eksa vUkqLkwfPkRk TkkfRk@vUkq- TkUkTkkfRk@'kkjhfjd :Ik Lks fOkdYkkaXkksa@HkwRkIkwOkZ LkSfUkdksa d¢ vkj{k.k jksLVjksa dh TkkaPk dh vkSj LkaRkks"k O¸kä fd¸kkA

funs’kd eaMy

o"kZ 2012&13 ds nkSjku funs'kd eaMy dh 15] eaMy dh izcU/k lfefr dh 12 vkSj eaMy dh ys[kkijh{kk lfefr dh 10 cSBdsa gqbZaA

foŸkh; o"kZ 2012&13 ds nkSjku Jh ,Lk-,Yk- CkaLkYk v/;{k ,oa izca/k funs'kd jgsA Jh ,l-lh-flUgk d¢ 31-07-2012 d¨ dk;Zeqä g¨us d¢ i'Pkkr~ Jh ÒwfiUnj uS¸;j uss CkSaddkjh daIkUkh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½ ¼d½ ds varxZr cSad d¢ eaMy esa dk;Zdkjh funs'kd d¢ :i esa 05.10.2012 d¨ dk;Zxzg.k fd;kA

29



down office on 31.07.2012. Sh.P.M.Chopda, joined the Board of the Bank on 18.01.2013 as Part-time Non-Official Director, appointed by Government of India under Section 9 (3) (h) of the Banking (Acquisition and Transfer of Undertakings) Act, 1980. Sh. B. Srinivas, RBI nominee Director has superannuated on 31.03.2013.DIRECTORS' RESPONSIBILITY STATEMENT The Directors confirm that, in the preparation of the Annual Accounts for the year ended 31st March, 2013a. the applicable standards have been followed along with

proper explanation relating to material departures, if any,b. the accounting policies framed in accordance with the

guidelines of the Reserve Bank of India, were consistently applied,

c. reasonable and prudent judgment and estimates were made so as to give true and fair view of the state of affairs of the Bank at the end of financial year and of the profits of the Bank for the year ended on 31st March, 2013,

d. proper and sufficient care was taken for the maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks in India and the accounts have been prepared on a going concern basis.

ACKNOWLEDGEMENTSThe Board of Directors thank Government of India, Ministry of Finance, Department of Economic Affairs and Reserve Bank of India and other Government & Regulatory Agencies for their valuable guidance and continued support provided to the Bank throughout the year. The Board of Directors are also grateful to the valued customers, esteemed shareholders, stakeholders and public at large for their patronage and confidence reposed in the Bank.The Board of Directors place on record their great appreciation of the commitment, sense of involvement and dedication exhibited by each staff member in the overall development, growth and prosperity of the Bank and look forward to their continued support and whole-hearted co-operation for realization of the corporate goals in the year ahead.

For and on behalf of the Board

Gurgaon (S.L. BANSAL)2nd May 2013 CHAIRMAN & MANAGING DIRECTOR

Jh ih-,e-p¨iM+k us HkkjRk Lkjdkj }kjk CkSaddkjh daIkUkh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e, 1980 dh /kkjk 9¼3½ ¼N½ d¢ vaRkXkZRk fUk¸kqä va'kdkfYkd XkSj&Lkjdkjh fUkns'kd d¢ :Ik Eksa CkSad d¢ EkaMYk Eksa dk¸kZXkzg.k fd¸kkA Jh ch- Jhfuokl] vkjchvkbZ ds ukferh funs'kd us 31-03-2013 dks vf/kof"kZrk dh vk;q izkIr dhA

funs’kdksa dk nkf;Ro dFku

funs'kd iqf"V djrs gSa fd 31 ekpZ] 2013 dks lekIr o"kZ gsrq okÆ"kd ys[ks rS;kj djus esa]

d- egRoiw.kZ ifjorZuksa] ;fn dksbZ gksa] ds laca/k esa ykxw ekudksa dks] mi;qä Li"Vhdj.k ds lkFk viuk;k x;k gSA

[k- Hkkjrh; fjtoZ cSad ds ekxZfunsZ'kksa ds vuqlkj rS;kj dh xbZ ys[kkadu uhfr;ka fUkjaRkj ykxw dh xbZaA

x- foŸk o"kZ ds var esa cSad ds dk;ks± rFkk 31 ekpZ] 2013 dks lekIr o"kZ gsrq cSad ds ykHk dk lgh ,oa lPpk fp= lkeus vk lds] blds fy, foosdiw.kZ fu.kZ; ,oa izkDdyu fd, x,A

?k- Hkkjr esa cSadksa ij ykxw fOkf/k ds izko/kkuksa ds vuqlkj i;kZIr ys[kk fjdkMZ j[kus ds fy, lE;d ,oa i;kZIr lko/kkuh cjrh xbZ rFkk ys[ks YkkHkdkjh laLFkku vk/kkj ij rS;kj fd, x,A

vkHkkj

funs'kd eaMy Hkkjr ljdkj] foŸk ea=ky;] vkÆFkd dk;Z foHkkx] vkSj Hkkjrh; fjt+oZ cSad rFkk vU; ljdkjh ,oa fu;ked ,tsafl;ksa dk muds }kjk o"kZ Hkj cSad dks fn, x, cgqewY; ekxZn'kZu vkSj lrr lg;ksx ds fy, /kU;okn djrk gSA funs'kd eaMy vius izfrf"Br xzkgdksa] lEekfur 'ks;j/kkjdksa] i.;/kkjdksa rFkk tulk/kkj.k dk Hkh muds laj{k.k vkSj cSad ds izfr n'kkZ, x, muds fo'okl ds fy, vkHkkj izdV djrk gSA

funs'kd eaMy cSad ds lok±xh.k fodkl] izxfr vkSj le`f) esa izR;sd LVkQ lnL; }kjk fn[kkbZ xbZ izfrc)rk] ;ksxnku vkSj leiZ.k Hkkouk dh ljkguk djrk gS vkSj vkxkeh o"kZ esa dkjiksjsV y{; dh izkfIr gsrq muds fujarj lg;ksx vkSj iw.kZ leFkZu dh vk'kk j[krk gSA

eaMy ds fy, vkSj mudh vksj ls

XkqM+XkkaOk ¼,Lk-,Yk- CkaLkYk½02 ebZ] 2013 v/;{k ,oa izca/k funs'kd

30



MANAGEMENT DISCUSSION AND ANALYSIS MACRO –ECONOMIC SCENARIO1.1 Gross Domestic ProductGross Domestic Product (GDP) for Q3 2012-13 was at Rs. 14,11,594 Crore which implies a growth of 4.5% over the same quarter last year. This GDP growth rate is lower as compared to 5.3% GDP growth rate in the previous quarter and 6.0% GDP growth rate in the Q3 2011-12. This GDP growth is the lowest growth rate in 15 quarters.

The cumulative GDP growth for the period April-December 2012 declined to 5.0% from 6.6% a year ago. This was mainly due to the protracted weakness in industrial activity aggravated by domestic supply bottlenecks, and slowdown in the services sector reflecting weak external demand. The Central Statistics Office (CSO)’s advance estimate of GDP growth for 2012-13 of 5.0% implies that the economy would have expanded by 4.7% in Q4.

Most of the sectors have performed slowly during FY 2012-13 compared to the previous year. The Apr-Dec 2012-13 and corresponding period growth rate for each sectors are provided in the below table.

Sector Apr-Dec2011-12

Apr-Dec2012-13

Agricultural 4.3% 1.7%

Industry 3.3% 1.4%

Mining -2.8% 0.1%

Manufacturing 3.6% 1.2%

Electricity 7.6% 4.7%

Services 8.2% 6.8%

Construction 5.7% 7.7%

Trade, Hotels & Restaurants 7.8% 4.9%

Financing & Insurance 11.8% 9.4%

Community Services 5.7% 6.9%

Total GDP 6.6% 5.0%

1.2 Industrial Production The growth of industrial production registered a growth of 2.5% in March 2013 as compared to (-) 2.8% in March 2012. On a cumulative basis, growth in industrial production decelerated to 1.0% during 2012-13 (April-March) from 2.9% in the corresponding period of the previous year. Sectorwise performance of Industry is as under:

Sector Weight Apr.-Mar. 2011-12

Apr.-Mar. 2012-13

Mining 14.2% -1.9% -2.5%

Manufacturing 75.5% 3.0% 1.2%

Electricity 10.3% 8.2% 4.0%

Total 100% 2.9% 1.0%

1.3 Eight Core Industries The Index of Eight core industries having a combined weight

IkzCka/kUk PkPkkZ ,Oka fOk’Yks”k.k fjIkksVZLkEkf"V & vkfFkZd Ikfj–’¸k

LkdYk ?kjsYkw mRIkkn

fOkÙkh¸k Ok"kZ 2012&13 dh RkhLkjh fRkEkkgh Eksa LkdYk ?kjsYkw mRIkkn ¼TkhMhIkh½ 14]11]594 djksM+ :Ik, Fks Tkks fIkNYks Ok"kZ dh bLkh fRkEkkgh d¢ EkqdkCkYks 4-5% dh Ok`f) n'kkZRkk gSA ¸kg Ok`f) nj fIkNYkh fRkEkkgh dh 5-3% dh TkhMhIkh Ok`f) nj RkFkk 2011&12 dh RkhLkjh fRkEkkgh dh 6-0% dh TkhMhIkh Ok`f) nj Lks dEk gSA ¸kg TkhMhIkh Ok`f) nj 15 fRkEkkfg¸kksa dh Ok`f) njksa Eksa LkCkLks dEk gSA

vIkzSYk&fnLkECkj] 2012 dh vOkf/k d¢ fYk, LkaPk¸kh TkhMhIkh Ok`f) ,d Ok"kZ IkwOkZ dh 6-6% Lks dEk gksdj 5-0% gks XkbZ] fTkLkdk Ekq[¸k dkj.k vkS|ksfXkd fØ¸kkdYkkIkksa Eksa YkaCks LkEk¸k Lks jgh Ekanh Fkk Tkks ?kjsYkw vkIkwfRkZ dh Ckk/kkvksa] LkqLRk Ckkgjh EkkaXk d¢ dkj.k LksOkk {ks«k Eksa vkbZ Ekanh Lks vkSj XkaHkhj gks XkbZ FkhA d¢Unzh¸k Lkkaf[¸kdh¸k dk¸kkZYk¸k ¼Lkh,Lkvks½ }kjk Ok"kZ 2012&13 d¢ fYk, LkdYk ?kjsYkw mRIkkn Ok`f) 5-0% gksUks dk vfXkzEk IkwOkkZUkqEkkUk PkkSFkh fRkEkkgh Eksa vFkZO¸kOkLFkk Eksa 4-7% d¢ fOkLRkkj dh LkaHkkOkUkk dks n'kkZRkk gSA

fIkNYks o"kZ dh RkqYkUkk Eksa bl o"kZ Eksa vf/kdrj {ks«kksa dk Ikzn'kZUk LkqLRk jgkA LkHkh {ks«kksa dh RkhLkjh fRkEkkgh RkFkk RknUkq:Ikh fRkEkkgh dh Ok`f) nj UkhPks RkkfYkdk Eksa nh Tkk jgh gS %

{ks«kvizSy&fnlEcj

2011&12vizSy&fnlEcj

2012&13

—f"k 4.3% 1.7%

m|ksXk 3.3% 1.4%

[kUkUk -2.8% 0.1%

fUkEkkZ.k 3.6% 1.2%

fOk|qRk 7.6% 4.7%

LksOkk,a 8.2% 6.8%

fUkEkkZ.k 5.7% 7.7%

O¸kkIkkj] gksVYk Ok jsLRkjka 7.8% 4.9%

fOkÙkIkks"k.k ,Oka CkhEkk 11.8% 9.4%

LkkEkqnkf¸kd LksOkk,a 5.7% 6.9%

LkEkXkz LkdYk ?kjsYkw mRIkkn ¼TkhMhIkh½ 6.6% 5.0%

1-2 vkS|ksfXkd mRIkknUk

vkS|ksfXkd mRIkknUk Eksa Ok`f) ekpZ] 2013 Eksa 2-5% jgh tcfd ekpZ 2012 Eksa ;g ¼&½ 2-8% jgh FkhA 2012&13 ¼vIkzSYk&ekpZ½ d¢ nkSjkUk LkaPk¸kh vk/kkj Ikj vkS|ksfXkd mRIkknUk Eksa Ok`f) fIkNYks Ok"kZ dh bLkh vOkf/k Eksa jgh 2-9% Lks ?kVdj 1-0% jg XkbZ A m|ksXk dk {ks«kOkkj dk¸kZfUk"IkknUk fUkEUkkUkqLkkj gS %&

{ks«k HkkjvIkzSYk&ekpZ 2011&12

vIkzSYk&ekpZ 2012&13

[kUkUk 14.2% -1.9% -2.5%

fOkfUkEkkZ.k 75.5% 3.0% 1.2%

fOk|qRk 10.3% 8.2% 4.0%

dqYk 100% 2.9% 1.0%

1-3 vkB EkgROkIkw.kZ mn~;ksXkvkB EkgROkIkw.kZ m|ksXkksa dk LkwPkdkad] fTkUkdk vkS|ksfXkd mRIkknUk LkwPkdkad

31



of 37.90% in the Index of Industrial Production (IIP) stood at 164.5 in March 2013 with a growth rate of 2.9% compared to their 3.0% growth in March 2012. During April – March 2012-13, the cumulative growth rate of the Core industries was 2.6% compared to their growth at 5.0% during the corresponding period in 2011-12. Industry wise details are as under:

Sl. No. Eight Core Industries FY 2012-13

(April-March)FY 2011-12

(April-March)1 Coal 3.3% 1.3%

2 Crude Oil -0.6% 1.0%

3 Natural Gas -14.5% -8.9%

4 Petroleum Refinery Products 6.9% 3.1%

5 Fertilizers -3.4% 0.4%

6 Steel (Alloy+Non-Alloy) 2.5% 10.3%

7 Cement 5.6% 6.7%

8 Electricity 4.0% 8.1%

Overall Index 2.6% 5.0%

1.4 Foreign TradeThe trade deficit for April - March, 2012-13 was estimated at US $ 1,90,916.64 Million which was higher than the deficit of US $ 1,83,355.58 Million during April – March 2011-12. Details of Exports, Imports and trade balances 2012-13 & 2011-12 are as under:

Sl. No (US $ Million) (Rs. in crore)

1 Exports – 2011-12 305,964 14,65,959

2 Exports – 2012-13 300,571 16,35,261

3 % Growth in Exports (YOY) -1.76% 11.55%

4 Imports – 2011-12 489,320 23,45,463

5 Imports – 2012-13 491,487 26,73,113

6 % Growth in Imports (YOY) 0.44% 13.97%

7 Trade Balance – 2011-12 (-)183,356 (-)8,79,504

8 Trade Balance – 2012-13 (-)190,916 (-)10,37,852

1.5 Forex ReservesTotal Foreign exchange reserves as on March 29, 2013 was valued at USD 292,647 Million and recorded a decline of USD 1,751 Million over end – March 2012 level. Out of the total reserves, foreign currency assets were valued at USD 259,726 Million while Gold reserves were valued at USD 26,292 Million.

1.6 Price Trend (Inflation)The annual rate of inflation, based on monthly WPI, stood at 5.96% (provisional) for the month of March 2013 over March 2012 as compared to 6.84% (provisional) for the previous

¼vkbZvkbZIkh½ Eksa Lka¸kqä Hkkj 37-90% gS] EkkPkZ] 2012 Eksa 3-0% dh Ok`f) d¢ EkqdkCkYks EkkPkZ] 2013 Eksa 2-9% dh Ok`f) nj d¢ LkkFk 164-5 jgkA vIkzSYk&EkkPkZ 2012&13 d¢ nkSjkUk EkgROkIkw.kZ m|ksXkksa dh LkaPk¸kh fOkdkLk nj 2011&12 dh RknUkq:Ikh vOkf/k d¢ 5-0% d¢ EkqdkCkYks 2-6% jghA m|ksXkOkkj fOkOkj.k fUkEUkkUkqLkkj gS %

Ø-la vkB EkgROkIkw.kZ m|ksXkfOkÙkh¸k Ok"kZ 2012&13

¼vIkzSYk&EkkPkZ½

fOkRRkh¸k Ok"kZ 2011&12

¼vIkzSYk&EkkPkZ½

1 dks¸kYkk 3.3% 1.3%

2 dPPkk RksYk -0.6% 1.0%

3 Ikzk—fRkd XkSLk -14.5% -8.9%

4 IkSVªksfYk¸kEk fjQkbUkjh mRIkkn 6.9% 3.1%

5 mOkZjd -3.4% 0.4%

6 bLIkkRk ¼fEkJ$XkSj fEkJ èkkRkq½ 2.5% 10.3%

7 LkhEksaV 5.6% 6.7%

8 fOk|qRk 4.0% 8.1%

LkEkXkz LkwPkdkad 2.6% 5.0%

1-4 fOkns’kh O¸kkIkkjvIkzSYk&EkkPkZ 2012&13 d¢ fYk, O¸kkIkkj ?kkVk 1]90]916-64 fEkfYk¸kUk vEkjhdh $ vUkqEkkfUkRk fd¸kk Xk¸kk Fkk] Tkks vIkzSYk&EkkPkZ 2011&12 d¢ nkSjkUk gq, 1]83]355-58 fEkfYk¸kUk vEkjhdh $ ds ?kkVs Lks vf/kd FkkA 2012&13 ,Oka 2011&12 d¢ fUk¸kkZRk] vk¸kkRk vkSj O¸kkIkkj LkaRkqYkUk dk fOkOkj.k fUkEUkkUkqLkkj gS%

Ø-la ¼vEkjhdh $ fEkfYk¸kUk) ¼djksM+ :- Eksa)

1 fUk¸kkZRk 2011&12 305,964 14,65,959

2 fUk¸kkZRk 2012&13 300,571 16,35,261

3 fUk¸kkZRk Eksa Ok`f) dk IkzfRk'kRk ¼Ok"kZ nj Ok"kZ) -1.76% 11.55%

4 vk¸kkRk 2011&12 489,320 23,45,463

5 vk¸kkRk 2012&13 491,487 26,73,113

6 vk¸kkRk Eksa Ok`f) dk IkzfRk'kRk ¼Ok"kZ nj Ok"kZ) 0.44% 13.97%

7 O¸kkIkkj LkaRkqYkUk 2011&12

(-)183,356 (-)8,79,504

8 O¸kkIkkj LkaRkqYkUk 2012&13

(-)190,916 (-)10,37,852

1-5 fOkns’kh Ekqnzk vkjf{kRk fUkf/k

dqYk fOkns'kh Ekqnzk vkjf{kRk fUkf/k 29 EkkPkZ] 2013 dks 292]647 fEkfYk¸kUk vEkjhdh MkYkj Ikj vkadh XkbZ vkSj bLkEksa EkkPkZ] 2012 d¢ vaRk Eksa jgs LRkj Lks 1]751 fEkfYk¸kUk vEkjhdh MkYkj dh fXkjkOkV nTkZ dh XkbZA dqYk vkjf{kRk fUkf/k Ekas Lks fOkns'kh Ekqnzk vkfLRk¸kka 259]726 fEkfYk¸kUk vEkjhdh MkYkj RkFkk LOk.kZ vkjf{kRk fUkf/k¸kka 26]292 fEkfYk¸kUk vEkjhdh MkYkj vkadh Xkb±A

1-6 EkwY¸k IkzOk`fRRk ¼EkqnzkLQhfRk½EkkfLkd Fkksd EkwY¸k LkwPkdkadksa ¼MCY¸kwIkhvkbZ½ d¢ vk/kkj Ikj Okkf"kZd EkqnzkLQhfRk nj EkkPkZ] 2012 Lks vf/kd] fIkNYks Ekkg d¢ 6-84% ¼vUkfURkEk½ RkFkk fIkNYks Ok"kZ d¢ RknUkq:Ikh Ekkg d¢ nkSjkUk jgh 7-69% dh nj d¢

32



month and 7.69% during the corresponding month of the previous year. Build up inflation rate in the financial year so far was 5.96% compared to a build up rate of 7.69% in the corresponding period of the previous year. The easing was particularly significant in Q4 of 2012-13 due to decline in prices of non-food manufactured products.Largely driven by food inflation, retail inflation, as measured by the new combined (rural and urban) consumer price index (CPI) (Base: 2010=100), averaged 10.2% during 2012-13. Even after excluding food and fuel groups, CPI inflation remained sticky, averaging 8.7%. 2. MONETARY AND BANKING TRENDS2.1 Money SupplyMoney supply (M3) increased by 13.6% (Rs.10,015.4 Billion) in FY 2012-13 as compared with 13.2% (Rs. 8,576.2 Billion) in FY 2011-12. Bank credit to the commercial sector increased by 13.9% (Rs.6,901.6 Billion) in 2012-13 as compared with increase of 17.1% (Rs.7,248.0 Billion) in the previous year. Net bank credit to Government recorded an increase of Rs.3,265.2 Billion (13.8%) as compared with increase of Rs.3,689.2 crore (18.6%) in the previous year. The net foreign exchange assets of the Banking sector were increased by Rs. 631.3 Billion during 2012-13 as against the increase of Rs. 1,410.3 Billion during 2011-12.2.2 SCHEDULED COMMERCIAL BANKS (SCBs BUSINESS)2.2.1 Aggregate Deposits of Scheduled Commercial BanksAggregate Deposits of SCBs increased by 14.3% (Rs.8,423.4 Billion) during FY 2012-13 as compared with 13.5% (Rs.7,011.1 Billion) in the previous year. Demand Deposits recorded a growth of Rs. 365.9 Billion during FY 2012-13 as against the negative growth of Rs. 163.8 crore during FY 2011-12. Time Deposits have shown a growth of Rs. 8057.5 Billion during FY 2012-13 as against the growth of Rs. 7,174.9 crore in the previous year. 2.2.2 Bank Credit of Scheduled Commercial banksBank credit extended by the Scheduled Commercial banks (SCBs) increased by 14.1% (Rs.6,509.8 Billion) at a level of Rs. 52,628.3 Billion as compared with growth of 17.0% (Rs.6697.7 Billion) in the previous year. The Credit – Deposit ratio of the Banking System marginally declined to 77.95% as on 22.03.2013 from the level of 78.11% as on 23.03.2012. The incremental Credit-Deposit Ratio of the Banking system stands at 77.28% during FY 2012-13. The Non-Food Credit of SCBs increased by Rs. 6,358.6 Billion during FY 2012-13 as compared to Rs. 6,527.5 Billion during the previous year. Food-Credit of SCBs increased by Rs. 151.2 Billion in FY 2012-13 as against an increase of Rs.170.2 Billion during FY 2011-12. 2.2.3 Investments of Scheduled Commercial BanksTotal SLR investment of Scheduled Commercial Banks stood at Rs. 20,060.4 Billion showing a growth of 15.4% (Rs. 2,682.5 Billion) during 2012-13 as against the growth of 15.7% (Rs. 2,361.7 Billion) during 2011-12. Investment in Government Securities stood at Rs. 20,034.6 Billion whereas other approved securities were to the tune of only Rs.25.8 Billion. The Investment - Deposit ratio of SCBs as at end March 2013 stood at 29.71% as against 29.42% as at end March 2012.

EkqdkCkYks EkkPkZ] 2013 Ekkg Eksa 5-96% ¼vUkafRkEk½ jghA fOkÙkh¸k Ok"kZ Eksa LkaPk¸kh EkqnzkLQhfRk nj vCk Rkd 5-96% Fkh TkCkfd fIkNYks Ok"kZ bLkh vOkf/k Eksa ¸kg 7-69% FkhA Ok"kZ 2012&13 dh PkkSFkh fRkEkkgh Eksa dEkh dk IkzEkq[k dkj.k XkSj&[kk| fOkfUkEkkZ.k mRIkknksa d¢ EkwY¸k Eksa dEkh vkUkk FkkAIkzEkq[kRk¸kk [kk| EkwY¸kksa Eksa EkgaXkkbZ d¢ Ikfj.kkEkLOk:Ik] Uk, Lka¸kqä ¼XkzkEkh.k ,Oka 'kgjh½ mIkHkksäk EkwY¸k LkwPkdkad ¼LkhIkhvkbZ½ ¼vk/kkj % 2010 = 100½ d¢ }kjk EkkIkh XkbZ fjVsYk EkqnzkLQhfRk 2012&13 d¢ nkSjkUk vkSLkRkUk 10-2% jghA ¸kgka Rkd fd [kk| vkSj b±/kUk LkEkwgksa dks fUkdkYkUks d¢ Ckkn Hkh mIkHkksäk EkwY¸k LkwPkdkad eqnzkLQhfr vkSLkRkUk 8-7% jghA

2- EkkSfnzd ,Oka CkSafdaXk IkzOk`fRRk¸kka2-1 Ekqnzk vkIkwfRkZEkqnzk vkIkwfRkZ ¼,Ek 3½ Eksa fOkÙkh¸k Ok"kZ 2011&12 Eksa gqbZ 13-2% ¼8]576-2 fCkfYk¸kUk :Ik¸ks½ dh Ok`f) dh RkqYkUkk Eksa fOkÙkh¸k Ok"kZ 2012&13 Eksa 13-6 IkzfRk'kRk ¼10]015-4 fCkfYk¸kUk :½ dh Ok`f) gqbZA Okkf.kfT¸kd {ks«k dks fn, Xk, CkSad _.kksa Eksa fIkNYks Ok"kZ dh 17-1% ¼7]248-0 fCkfYk¸kUk :-½ dh RkqYkUkk Eksa 2012&13 d¢ nkSjkUk 13-9% ¼6901-6 fCkfYk¸kUk :Ik,½ dh Ok`f) gqbZA Lkjdkj dks fn, Xk, fUkOkYk CkSad _.k Eksa fIkNYks Ok"kZ dh 3]689-2 djksM+ :- ¼18-6%½ dh Ok`f) dh RkqYkUkk Eksa 3265-2 fCkfYk¸kUk :Ik, ¼13-8%½ dh Ok`f) nTkZ dh XkbZ A CkSafdaXk {ks«k dh fUkOkYk fOkns'kh Ekqnzk vkfLRk¸kkas Eksa 2011&12 Eksa 1410-3 fCkfYk¸kUk :- dh Ok`f) d¢ EkqdkCkYks fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk 631-3 fCkfYk¸kUk :- dh Ok`f) gqbZA

2-2 vUkqLkwfPkRk Okkf.kT¸kd CkSad ¼,LkLkhCkh dk dkjksCkkj½

2-2-1 vUkqLkwfPkRk Okkf.kT¸kd CkSadksa dh dqYk TkEkkjkf’k¸kkafOkÙkh¸k Ok"kZ 2012&13 Eksa vUkqLkwfPkRk Okkf.kT¸kd CkSadksa dh dqYk TkEkkjkf'k¸kkas Eksa fIkNYks Ok"kZ dh 13-5% ¼7]011-1 fCkfYk¸kUk :-½ dh RkqYkUkk Eksa 14-3% ¼8]423-4 fCkfYk¸kUk :-½ dh Ok`f) gqbZA EkkaXk jkf'k¸kkasa Eksa fOkÙkh¸k Ok"kZ 2011&12 d¢ nkSjkUk jgh 163-8 djksM+ :- dh _.kkREkd Ok`f) dh RkqYkUkk Eksa fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk 365-9 fCkfYk¸kUk :- dh Ok`f) nTkZ gqbZA Ekh¸kknh TkEkkjkf'k¸kksa Eksa fIkNYks Ok"kZ dh 7]174-9 djksM+ :Ik, dh Ok`f) dh RkqYkUkk Eksa Ok"kZ 2012&13 d¢ nkSjkUk 8057-5 fCkfYk¸kUk :- dh Ok`f) gqbZA

2-2-2 vUkqLkwfPkRk Okkf.kfT¸kd CkSadksa d¢ CkSad _.kvUkqLkwfPkRk Okkf.kfT¸kd CkSadksa }kjk fn, Xk, CkSad _.k 14-1% ¼6]509-8 fCkfYk¸kUk :-½ dh Ok`f) d¢ LkkFk 52]628-3 fCkfYk¸kUk :- jgs TkCkfd fIkNYks Ok"kZ kg Ok`f) 17-0% ¼6697-7 fCkfYk¸kUk½ FkhA CkSafdaXk Ikz.kkYkh dk _.k&TkEkk vUkqIkkRk fnUkkad 22-03-2012 d¢ 78-11% d¢ LRkj Lks EkkEkwYkh fXkjkOkV d¢ LkkFk fnUkkad 22-03-2013 dks 77-95% gks Xk¸kkA fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk CkSafdaXk Ikz.kkYkh dk Ok`f)'khYk _.k&TkEkk vUkqIkkRk 77-28% jgk vUkqLkwfPkRk Okkf.kT¸k CkSadksa }kjk fn, Xk, XkSj [kk|kUUk _.k Eksa fIkNYks Ok"kZ d¢ nkSjkUk jgs 6]527-5 fCkfYk¸kUk :- dh RkqYkUkk Eksa fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk 6]358-6 fCkfYk¸kUk :- dh Ok`f) gqbZA vUkqLkwfPkRk Okkf.kT¸k CkSadksa d¢ [kk| _.k Eksa fOkÙkh¸k Ok"kZ 2011&12 d¢ nkSjkUk jgh 170-2 fCkfYk¸kUk :- dh Ok`f) d¢ EkqdkCkYks fOkÙkh¸k Ok"kZ 2012&13 Eksa 151-2 fCkfYk¸kUk :- dh Ok`f) gqbZ A

2-2-3 vUkqLkwfPkRk Okkf.kT¸kd CkSadksa d¢ fUkOks’k2012&13 d¢ nkSjkUk vUkqLkwfPkRk Okkf.kT¸kd CkSadksa dk dqYk ,Lk,Ykvkj fUkOks'k 20]060-4 fCkfYk¸kUk :- jgk Tkks 2011&12 dh 15-7% ¼2]361-7 fCkfYk¸kUk :-½ dh Ok`f) d¢ EkqdkCkYks 15-4% ¼2]682-5 fCkfYk¸kUk :-½ dh Ok`f) n'kkZRkk gSA Lkjdkjh IkzfRkHkwfRk¸kksa Eksa fUkOks'k 20]034-6 fCkfYk¸kUk :- jgk TkCkfd vU¸k vUkqEkksfnRk IkzfRkHkwfRk¸kksa Eksa ¸kg d¢OkYk 25-8 fCkfYk¸kUk :- FkkA EkkPkZ] 2013 d¢ vaRk Eksa vUkqLkwfPkRk Okkf.kT¸k CkSadksa dk fUkOks'k&TkEkk vUkqIkkRk EkkPkZ] 2012 d¢ vaRk Eksa jgs 29-42% dh RkqYkUkk Eksa 29-71% jgk A

33



3. RISK MANAGEMENTThe Bank has put in place requisite Risk Management Architecture and Systems which are reviewed and updated regularly in the light of guidelines received time to time from Reserve Bank of India, SEBI, Ministry of Finance etc.The Risk Management Function in the Bank is supervised and managed by the Board of Directors of the Bank. The Board is assisted in this through a Sub-Committee of the Board viz. Supervisory Committee of Directors on Risk Management (SCDRM) which meets at quarterly intervals.At the Executive Level, separate committees viz. Credit Risk Management Committee, Operational Risk Management Committee and Asset Liability Management Committee comprising executives of functional departments manages the respective risk area. These committees meet periodically to review all policies, validate compliances, undertake portfolio review and implement risk initiatives of the Bank.An independent Risk Management Department at Head Office headed by General Manager assisted by a team of qualified and trained officers is functioning for overall implementation of Risk Management across the Bank. Integrated Mid Office for Domestic and Forex Treasury functions under the Risk Management Department for Market Risk in Investment and Forex.The Bank has Board approved policies in place for assessing, managing and mitigating various risks in the Bank which includes Loan Policy, Credit Risk Management Policy, Asset Liability Management and Market Risk Policy, Operational Risk Management Policy, Disclosure Policy, Compliance Policy, Internal Capital Adequacy Assessment Process (ICAAP) Policy, Stress Testing Policy, Credit Risk Mitigations & Collateral Management policy, Policy of Delegated Powers for Lending, Integrated Risk Management Policy, Recovery Policy, Business Continuity Plan & Disaster Recovery Policy, Audit Policies, KYC & AML Policy, Customer Service Policy etc.3.1 IMPLEMENTATION OF BASEL IIPillar I: The bank is Basel II compliant in terms of the New Capital Adequacy Framework guidelines issued by the Reserve Bank of India. In terms of the Pillar-1 norms under Basel II, Bank has computed its capital requirements for Credit, Market and Operational risk as on31.03.2013. The Capital Adequacy Ratio (CAR) of the Bank stood at 12.04% and Tier I ratio at 9.18% as on 31.03.2013 as against minimum regulatory requirement of 9% and 6% respectively.Pillar II:The Bank has a Board approved policy on Internal Capital Adequacy Assessment Process (ICAAP) as a part of Supervisory Review and Evaluation Process (SREP) under Pillar-2. The Policy enables the Bank to identify and assess other risks which are not covered under Pillar-1. Accordingly, the Capital Assessment process under Internal Capital Adequacy Assessment Process (ICAAP) is reviewed annually so as to integrate the Bank’s Business Planning, Business performance with Capital & Risk.Pillar III:The disclosures required in terms of Pillar-3 norms of Basel II form part of the annual report of the Bank and are made available on Bank’s website.

3- Tkksf[kEk IkzCka/kUk %

cSad dh visf{kr tksf[ke izca/ku ra«k ,oa iz.kkyh gS] ftudk Hkkjrh; fjtoZ cSad] lsch] foŸk ea«kky; vkfn ls izkIr fn'kkfunsZ'kksa ds vuqlkj] le;≤ ij fu;fer iqujh{k.k vkSj v|ru fd;k tkrk gSA

cSad esa tksf[ke izca/ku laca/kh dk;Z dk i;Zos{k.k ,oa izca/ku cSad ds funs'kd eaMy }kjk fd;k tkrk gSA blesa eaMy dh lgk;rk eaMy dh mi&lfefr }kjk dh tkrh gSA

dk;Zikyd Lrj ij] fofÒé lfefr;ka tSls( _.k tksf[ke izca/ku lfefr] ifjpkyu tksf[ke izca/ku lfefr rFkk vkfLr ns;rk izca/ku lfefr] ftuesa dk;Zijd foHkkxä ds dk;Zikydx.k 'kkfey gSa] lacaf/kr tksf[ke {ks=ksa dk izca/ku djrh gSaA lHkh uhfr;ksa dh leh{kk] vuqikyuksa dh ekU;rk] iksVZQksfy;ks leh{kk rFkk cSad ds tksf[ke uoÜes"kä dks ykxw djus ds fy, ;s lfefr;ka] fu/kkZfjr vof/k esa cSBdsa djrh gSaA

iz/kku dk;kZy; esa egkizca/kd dh v/;{krk esa Lora= :i ls tksf[ke izca/ku foHkkx dk;Z dj jgk gS] ftudh Vhe esa ;ksX; ,oa izf'kf{kr vf/kdkjh gSa] tks iwjs cSad esa tksf[ke izca/ku dks ykxw djus ds fy, dk;Zjr gSaA ;g fuos'k rFkk fons'kh eqæk esa cktkj ds tksf[ke gsrq tksf[ke izca/ku foHkkx ds varxZr ?kjsyw rFkk fons'kh eqæk jktd¨"kh; dk;¨± ds fy,] ,dh—r feM dk;kZy; gS A

cSad esa fofHkUUk tksf[keksa ds fu/kkZj.k] izca/ku rFkk mUgsa de djus ds fy, cSad ds ikl eaMy }kjk vuqeksfnr uhfr;ka gSa] ftuesa _.k uhfr] _.k tksf[ke izca/ku uhfr] vkfLr ns;rk izca/ku rFkk cktkj tksf[ke uhfr] ifjpkyu tksf[ke izca/ku uhfr] izdVhdj.k uhfr] vuqikyu uhfr] vkarfjd iwath i;kZIÙk ewY;kadu izfØ;k ¼vkbZ-lh-,-,-ih-½ uhfr] ruko ijh{k.k uhfr] _.k tksf[ke ifj'keu rFkk laikÆ'od izca/ku uhfr] _.k gsrq izR;k;ksftr vf/kdkjä dh uhfr] ,dh—r tksf[ke izca/ku uhfr] olwyh uhfr] dkjksckj Çujrjrk ;kstuk rFkk vkink olwyh uhfr] ys[kk ijh{kk uhfr] dsokbZlh ,oa ,,e,y uhfr] xzkgd lsok uhfr bR;kfn lfEefyr gSaA

3-1 cklsy&II dk dk;kZUo;u

fiyj I:cSad us Hkkjrh; fjtoZ cSad }kjk tkjh iwath i;kZIÙk <kaps ds u, ekxZfunsZ'kksa ds vuqlkj cklsy&AA vuq:irk izkIr dj yh gS A CkkLksYk&AA d¢ vaRkXkZRk fIkYkj&1 IkzfRkEkkUkksa d¢ vUkqLkkj CkSad Uks _.k] EkkfdZV Ok IkfjPkkYkUk Tkksf[kEk d¢ fYk, 31-03-2013 dh IkwaTkhXkRk vkOk'¸kdRkkvksa dk IkfjdYkUk fd¸kk gS A CkSad dk IkwaTkh Ik¸kkZIRkRkk vUkqIkkRk ¼Lkh,vkj½ RkFkk fV¸kj&A vUkqIkkRk ØEk'k% 9٪ RkFkk 6٪ dh U¸kwUkRkEk vIks{kk d¢ EkqdkCkYks 12-04٪ RkFkk 9-18٪ jgk A

fiyj II:fIkYkj&2 d¢ vaRkXkZRk Ik¸kZOks{kh leh{kk RkFkk EkwY¸kkadUk IkzfØ¸kk ¼,LkvkjbIkh½ d¢ ,d HkkXk d¢ :Ik Eksa CkSad dh EkaMYk }kjk vUkqEkksfnRk vkaRkfjd IkwaTkh Ik¸kkZIRkRkk EkwY¸kkadUk ¼vkbZLkh,,Ikh½ IkzfØ¸kk laca/kh UkhfRk gSA ¸kg UkhfRk fiyj 1 ds varxZr 'kkkfey u fd, x, vU; tksf[keksa dh igpku vkSj ewY;kadu djus esa lgk;d gSA rnuqlkj] vkarfjd iwath i;kZIrrk ewY;kadu ÁfØ;k ¼vkbZlh,,ih½ dh okf"kZd leh{kk dh tkrh gS] ftlesa cSad dh dkj¨ckj vk;¨tuk] dkj¨ckj dk;Zfu"Ikknu dk iwath rFkk t¨f[ke esa ,dhdj.k fd;k tk ld¢A

fiyj III:cklsy &II ds fiyj 3 izfrekuksa ds vuqlkj visf{kr izdVhdj.k cSad dh Okkf"kZd fjiksVZ dk Hkkx gS vkSj cSad dh osclkbV ij miyC/k gSA

34



PREPAREDNESS FOR BASEL IIIBasel III aims to strengthen the stability of the Banking system by introducing new capital structure with more emphasis on quality of capital, new global liquidity standard, leverage ratio, promoting capital conservation & provide for counter cyclical buffers.RBI vide circular dated May 2, 2012 have issued the final guidelines on Basel III under a transitional arrangement starting from 01.04.2013 to 31.03.2018 whereby the total CRAR to be maintained by Banks increases progressively from 9% as on 01.04.2013 to 11.5% as on 31.03.2018 (including Capital Conservation Buffer of 2.5%). The minimum Tier 1 CRAR requirement during the corresponding period is progressively raised from 6% to 9.5%(including Capital Conservation Buffer of 2.5%).The Bank has geared itself to meet with Basel III norms and shall be supplementing capital funds (especially Common Equity Tier 1(CET1) funds) in line with the Basel III requirements. 4. ASSET LIABILITY MANAGEMENT (ALM) AND

MARKET RISK MANAGEMENTAll forms of market risks, viz Liquidity Risk, Interest Rate Risk, Equity Risk and Foreign Exchange Risk are addressed by the Bank through a well defined set of policies viz. Asset Liability Management & Market risk policy, Liquidity Risk Management Policy, Investment Policy approved by Bank’s Board. The Bank has constituted the Asset Liability Management Committee (ALCO) in terms of RBI guidelines, which meets at regular intervals to review the interest rates scenarios, maturity profile of deposits / advances, the structural liquidity position and management of Net Interest Margin, reviewing liquidity & interest rate risk limits, reviewing the profitability, CRAR (Capital to Risk weighted Assets Ratio) position and reviewing of the rates of interest on deposit/advances etc. The impact of external factors on the Bank’s Balance Sheet is assessed periodically for determining business strategy in the light of prevailing liquidity position in the market with a view to optimize profits.5. CREDIT RISK MANAGEMENTThe Bank has constituted Credit Risk Management Committee (CRMC) which reviews the Policies, Procedures and Systems relating to Credit Administration and Monitoring at periodic intervals. The Bank’s Credit Risk Management process is articulated through various Board approved policies viz. Loan Policy, Credit Risk Management Policy, Loan Review Mechanism Policy, Credit Monitoring Policy, Policy of Delegated Powers for Lending etc. The Credit Risk management has risk controls at different stages viz. Loan Origination, Loan Approval, Loan Disbursement and Post Disbursement. The Credit Risk Mitigation is undertaken by fixing, monitoring and reviewing of lending specifications, credit exposure limits in terms of Single & Group borrower exposure, exposure to sensitive sectors (including real estate and capital market), laying down thrust, restricted and prohibited areas of lending, ceiling for Industry exposure, Substantial exposure and Inter-Bank exposure. The credit risk assessment of the borrowers is undertaken using different credit rating models for borrowers under Large

cklsy III d¢ fy, rS;kjhcklsy 3 dk mÌs'; iwath dh xq.koŸkk] uohu oSf'od py fuf/k ekud] yhojst vuqikr] iwath laj{k.k dks c<+kok nsus rFkk izfrpØh; cQlZ dk Áko/kku djuss ij vf/kd tksj nsrs gq, uohu iwathxr <+kapk ykxw djrs gq, cSaÇdx iz.kkyh dh fLFkjrk dks etcwrh iznku djuk gS AHkkjrh; fjtoZ cSad us fnukad 02 ebZ] 2012 ds ifji= ds tfj, 01-04-2013 ls 'kq# gksdj 31-03-2018 rd vLFkk;h O;oLFkk ds varxZr cklsy–III ij vafre fn'kkfunsZ'k tkjh dj fn, gSa] ftlds vuqlkj cSad dh dqy lhvkj,vkj 01-04-2013 dh 9% ls Øfed :i ls c<+dj 31-03-2018 dks 11-5 izfr'kr gksxh gS ¼2-5% ds iwath laj{k.k cQj lfgr½A rnuq:ih vof/k ds nkSjku Vh;j&I lhvkj,vkj dh U;wure vko';drk 6% ls c<+dj 9-5% gks x;h gS ¼2-5% ds iwath laj{k.k cQj lfgr½A cklsy&III ds ekudksa dks iwjk djus ds fy, cSad rS;kj gS rFkk cklsy-III dh vis{kkuqlkj iwathxr fuf/k;ksa ¼fo'ks"kr;k lkekU; bfDoVh Vh;j 1 ¼lhbZVh 1½ fuf/k;ka½ dh vuqiwÆr djsxk A

4- vkfLr ns;rk izca/ku ¼,Y,Yk,Ek½ RkFkk CkkTkkj Tkksf[kEk IkzCka/kUk

CkSad LkHkh Ikzdkj d¢ CkkTkkj Tkksf[kEkksa TkSLks PkYkfUkf/k Tkksf[kEk] ÇkkTk nj Tkksf[kEk RkFkk fOkns'kh Ekqnzk Tkksf[kEk dk LkEkk/kkUk cSad d¢ eaMy }kjk vuqe¨fnr lqifjÒkf"kr uhfr;ä tSls vkfLRk ns;rk Áca/ku rFkk cktkj t¨f[ke uhfr] rjyrk t¨f[ke Áca/ku uhfr] fuos'k uhfr }kjk djRkk gS A

cSad us Hkkjrh; fjtoZ cSad ds ekxZfunsZ'kksa ds vuqlkj vkfLr ns;rk izca/ku lfefr ¼vkYdks½ dk xBu fd;k gS v©j C;kt nj ifjn`';] tekjkf'k;ksa@vfxzeksa dk ifjiDork izksQkby] lajpukRed pyfuf/k laca/kh fLFkfr vkSj fuoy C;kt ekÆtu d¢ izca/ku rjyrk rFkk C;kt nj t¨f[ke lhekvä dh leh{kk] ykÒÁnŸkk dh leh{kk] lhvkj,vkj¼t¨f[ke Òkfjr vkfLRk;ä esa iwtha½ dh fLFkfr v©j tekjkf'k;ksa@vfxzeä dh C;kt njä dh leh{kk vkfn djus ds fy, bldh cSBdsa fu;fer varjkyksa ij vk;ksftr dh tkrh gSa A

cSad ds rqyu&i= ij cká dkjdksa d¢ izHkko dk vkdYkUk vkOkf/kd :Ik Lks fd¸kk TkkRkk gS Rkkfd vHkh"VRkEk YkkHk dh –f"V Lks cktkj esa orZeku py fuf/k fLFkfr ds eÌsut+j dkjksckj uhfr dk fUk/kkZj.k fd¸kk Tkk Lkd¢ A

5- _.k tksf[ke izca/ku

cSad us] _.k tksf[ke izca/k lfefRk] dk xBu fd;k gS tks vkof/kd varjkyksa ij _.k iz'kklu laca/kh uhfr;ksa] izfØ;kvksa ,oa i)fr;ksa dh leh{kk vkSj fuxjkuh djrh gS A

cSad dh _.k t¨f[ke Áca/ku ÁfØ;k eaMy }kjk vuqe¨fnr fofÒé uhfr;ä tSls _.k uhfr] _.k t¨f[ke Áca/ku uhfr] _.k leh{kk ra«k uhfr] _.k fuxjkuh uhfr] _.k nsus d¢ fy, ÁR;k;¨ftr 'kfä;ä dh uhfr vkfn ls lacaf/kr gS A _.k t¨f[ke Áca/ku fofÒé LRkjä ij t¨f[ke d¨ fu;af«kr djrk gS tSls] _.k vkjEHk] _.k vuqe¨nu] _.k laforj.k rFkk _.k laforj.k i'Pkkr A

_.k fofunsZ'k dh fuxjkuh rFkk leh{kk] ,dy ,oa lewg _.kh&t¨f[ke d¢ fy, _.k t¨f[ke lhek] laosnu'khy {ks«kä dk t¨f[ke ¼LFkkoj laink rFkk iwath cktkj lfgr½] _.k nsus d¢ ncko] Áfrcaf/kr rFkk lhfer {ks«kä dk fu/kkZj.k djd¢] v¨|©fxd t¨f[ke dh lhek] laÒkfor t¨f[ke rFkk varj&cSad t¨f[ke d¢ fu/kkZj.k }kjk _.k t¨f[ke d¨ de fd;k tkrk gS A

_f.k;ä d¢ _.k t¨f[ke dk ewY;kadu cM+s dki¨ZjsV] yÄq dkj¨ckj] lsok,a] yÄq rFkk e/;e vkdkj d¢ m|eä] cqfu;knh lajpuk] xzhuQhYM Á¨tsDV

35



Corporate, Small Business & Services, Small & Medium Enterprises, Infrastructure, Greenfield project and Real Estate and for Retail Credit including Housing loan, Education Loan, Personal Loan and Agriculture & Allied activities.The Loan Review Mechanism, which functions independent of the Credit Department and Risk Management Department, reviews and monitors large credit exposures of the Bank on periodic basis. 6. OPERATIONAL RISK MANAGEMENTThe bank has an Operational Risk Management Committee (ORMC) which meets on regular basis to review the existing as well as new products and process. The Operational Risk Management Policy of the bank outlines the structure and framework for measuring, monitoring and controlling the operational risk of the bank. The operational risk prone areas are identified and suitable steps are initiated to mitigate/ prevent such risks by reviewing systems and procedures, introducing control elements and imparting training to the staff so as to guard against such incidents.7. INDUSTRIAL RELATIONSIndustrial Relations in the Bank is one of its kind in the Banking Industry. Cordial and Harmonious Industrial Relations is the Hallmark of the Bank. The Bank has effective grievance redressal mechanism. The grievances of the employees if any are resolved through mutual and bilateral discussions in the regularly held Industrial Relations meetings.8. RISK BASED INTERNAL AUDITThe Bank implemented Risk Based Internal Audit (RBIA) in a phased manner, starting from March 2004 and fully migrated to Risk Based Internal Audit wef 01.10.2006. The Risk Based Internal Audit Policy and the audit formats were last revised on 27.02.2013 in sync with revised guidelines of MOF, Govt of India and experience gained by the Bank in due course. Risk Based Internal Audit (RBIA) of all eligible 1769 branches was conducted during the year 2012-13. Besides, Risk Based Management Audit of all eligible 30 Regional Offices and all the 12 Regional Inspectorates has been conducted during the year 2012-13.9. INTERNAL CONTROL SYSTEMBank has 12 Regional Inspectorates at different locations to oversee the working of the branches and to ensure that the Internal Control Systems are strengthened to bring the desired improvement and give timely feedback to the Top Management for taking-up immediate corrective steps. Risk Based Internal Audit (RBIA) of branches is conducted every year by internal Inspectors. The Income & Expenditure Audit of all the branches (other than branches under Concurrent Audit) was also conducted by Outside CA firms for calendar year 2012. In conformity with RBI directives, Concurrent Audit of the branches is also being conducted by CA Firms covering 72.40% of the Deposits and 84% of advances and 77.31% of total working as on 31.03.2013. A total number of 539 branches including Specialized Branches, Service Branches and certain Head Office Departments were under Concurrent Audit as on 31.03.2013. The Concurrent Audit Policy and the audit formats were last revised on 27.02.2013 and has been made Risk Based in sync with revised guidelines of MOF, Govt of India and experience gained by the Bank in due course.

rFkk jh;y ,LVsV] vkokl _.k] f'k{kk _.k] O;fäxr _.k rFkk —f"k ,oa lac) dk;Zdykiä lfgr fjVsy _.k d¢ varxZr vkus okys _f.k;ä d¢ fy, fu/kkZfjr fofÒé _.k ekWMyä d¢ Á;¨x }kjk fd;k tkrk gS A_.k leh{kk ra«k] t¨ _.k foÒkx rFkk t¨f[ke Áca/ku foÒkx ds fy, Lora«k :i ls dke djrk gS] fu/kkZfjr vof/k ij cSad d¢ cM+s _.k t¨f[keä dh fuxjkuh rFkk leh{kk djrk gSA

6- ifjpkyuijd tksf[ke izca/kucSad dh ifjpkyu tksf[ke izca/k lfefr ¼v¨vkj,elh½ gS tks e©twnk rFkk u, mRiknä rFkk ÁfØ;kv¨sa dh leh{kk djus ds fy, fu;fer vk/kkj ij cSBdsa djrh gSaA cSad dh ifjpkyuijd tksf[ke izcU/ku uhfr esa cSad esa ifjpkyuijd tksf[ke ds ekiu] fuxjkuh vkSj fu;a=.k dh lajpuk o :ijs[kk nh xbZ gSA Tkksf[kEk dh LkaHkkOkUkk OkkYks {ks«kksa dh IkgPkkUk dj yh x;h gS vkSj Ik)fRk¸kksa Ok IkzfØ¸kkvksa dh leh{kk] fUk¸ka«k.kdkjh Ik)fRk vkjaHk djUks RkFkk bLk Ikzdkj dh ?kVUkkvksa Lks LVkQ dks CkPkkUks gsRkq mUgsa Ikzf'kf{kRk djd¢ bLk Ikzdkj d¢ Tkksf[kEkksa dks dEk djUks @jksdUks gsRkq mIk¸kqDRk dnEk mBk, x, gSaS A

7- vkS|ksfxd laca/kcSad dh vius vkS|ksfxd laca/kä d¢ fy, iwjs cSaÇdx txr esa ,d fof'k"V LFkku gSA e/kqj rFkk lkSgknZiw.kZ laca/k cSad dh fo'ks"k igpku gSaA cSad dh f'kdk;r fuokj.k iz.kkyh i;kZIr izHkkoiw.kZ gSA deZpkfj;ksa dh f'kdk;rsa] ;fn dksbZ gä] fu;fer :i ls vk;ksftr gksus okyh vkS|ksfxd laca/k cSBdksa esa ijLij o f}i{kh; ckrphr }kjk rRdky nwj dh tkrh gSaA

8- Tkksf[kEk vk/kkfjRk vkaRkfjd Yks[kkIkjh{kk cSad us pj.kc) :Ik ls tksf[ke vk/kkfjr vkarfjd ys[kkijh{kk ¼vkjchvkbZ,½ ykxw dh gS] ftls ekpZ 2004 esa izkjEHk fd;k x;k Fkk vkSj fnUkkad 01-10-2006 Lks Ikwjh Rkjg Lks vIkUkk fYk¸kk Xk¸kk gSA fIkNYkh Ckkj tksf[ke vk/kkfjr vkarfjd ys[kk ijh{kk uhfr vkSj ys[kkijh{kk QkesZV] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj ds la'kksf/kr ekxZfunsZ'kksa ds vuq:i vkSj cSad }kjk le; ds lkFk vftZr vuqHko ds vuqlkj fnUkkad 27-02-2013 dks la'kksf/kr fd, x, FksA o"kZ 2012&13 ds nkSjku 1769 'kk[kkvksa dh tksf[ke vkk/kkfjr vkarfjd ys[kkijh{kk dh xbZA blds lkFk gh o"kZ 2012&13 ds nkSjku lHkh Ikk«k 30 izknsf'kd dk;kZy;ksa dh RkFkk lHkh 12 izknsf'kd fujh{k.k dk;kZy;ksa dh tksf[ke vk/kkfjr izca/k ys[kkijh{kk dh xbZA

9- vkarfjd fu;a=.k i)fr'kk[kkvksa ds dk;ksaZ dh fuxjkuh djus ds fy, cSad esas fofHkUu LFkkuksa ij 12 izknsf'kd fujh{k.k dk;kZy; LFkkfir fd, gSa rkfd visf{kr lqèkkj ykus ds fy, vkarfjd fu;a=.k i)fr dks etcwr fd;k tk lds vkSj rRdky lq/kkjkRed dne mBkus ds fy, mPp izca/k oxZ dks le; ij QhMcSd fn;k tk ldsA vkarfjd fujh{kdksa }kjk gj Ok"kZ 'kk[kkvksa dh tksf[ke vk/kkfjr vkarfjd ys[kkijh{kk dh tkrh gSA dSysaMj Ok"kZ 2012 gsrq Ckkgjh lunh ys[kkdkj QEkks± }kjk lHkh 'kk[kkvksa ¼laxkeh ys[kkijh{kk dh 'kk[kkvksa Lks fHkUUk½ dh vk; ,oa O;; ys[kkijh{kk Hkh djokbZ xbZA Hkkjrh; fjtoZ cSad ds funsZ'kksa ds vuq:Ik IkzfRkf"BRk lunh ys[kkdkj QEkks± }kjk 'kk[kkvksa dh laxkeh ys[kkijh{kk Hkh dh tk jgh gS ftlesa 31-03-2013 dh fLFkfr ds vuqlkj cSad dh 72-40% tekjkf'k;ksa vkSj 84% vfxzeksa vkSj dqy dkjksckj d¢ 77-31% dks doj fd;k x;k gSA 31-03-2013 dks dqy 539 'kk[kkvksa] ftuesa fo'ks"khd`r 'kk[kk,a] lsok 'kk[kk,a vkSj iz/kku dk;kZy¸k ds dqN pqus gq, foHkkx 'kkfey gSa] dh laxkeh ys[kkijh{kk gqbZaA LkaXkkEkh Yks[kkIkjh{kk UkhfRk vkSj Yks[kkIkjh{kk QkWEksZV IkhNs fnUkkad 27-02-2013 dks Lka'kksf/kRk fd, Xk, Fks vkSj fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj d¢ Lka'kksfèkRk EkkXkZfUknsZ'kksa d¢ vUkq:Ik vkSj CkSad }kjk LkEk¸k d¢ LkkFk vfTkZRk vUkqHkOk d¢ vUkqLkkj bUgsa Tkksf[kEk vk/kkfjRk CkUkk¸kk Xk¸kk gSA

36



10. Loan Review Mechanism:Loan Review Mechanism (LRM) has proved to be an effective tool for constantly evaluating the quality of loan book ,effectiveness of loan administration, maintaining the integrity of credit rating process and to bring about qualitative improvement in credit administration. During the FY 2011-12, the LRM team conducted review of 2236 accounts in large borrowal accounts (with exposure of Rs. 5.00 Crores & above) with a total exposure amounting to Rs 143530 Crores covering 455 branches.11. VIGILANCE MACHINERYThe Vigilance set up of the Bank is under the overall supervision of the Chief Vigilance Officer of the rank of General Manager and comprises full-fledged department at Head Office and 16 Vigilance Officers posted in the field (at selected Regional Headquarters) functioning directly under the control of the Chief Vigilance Officer. The Bank, under the aegis of and as per guidelines of Central Vigilance Commission, is taking measures for substantial improvement in all areas of vigilance i.e. preventive, detective and punitive. The Vigilance Department maintains liaison with Central Vigilance Commission and Central Bureau of Investigation and also co-ordinates with various departments within the Bank to ensure efficacy of vigilance administration.Various initiatives are being taken, both off-site and on-site, to ensure that the systems & procedures laid down by the Bank are adhered to by the staff members while discharging their official duties. As a part of on-site surveillance, Surprise Inspection of the branches, based upon risk rating assigned in RBIA, complaints received and source information received, are conducted with focus on assessing the compliance level of Bank’s guidelines and preventive vigilance measures. Similarly, the technological platform of the Bank is being leveraged to strengthen the off-site surveillance and information/data analysis in order to move towards predictive vigilance. Initiatives have also been taken to bring about transparency into operations, more particularly in dealings with the customers/clients. The Bank has successfully implemented e-tendering. As regards payment of bills submitted by vendors, the system of displaying the status of bills on the Bank’s website has been started at both Head Office and Regional Offices levels. Further, Bank has developed the Loan Proposal Tracking System which has been started internally. The Bank is in the process of making this facility available to the customers for tracking the status of their loan applications through the Bank’s website. Bank has implemented adequate Security controls so that information and information systems remain inaccessible to unauthorized persons.As per the directions of Central Vigilance Commission, ‘Vigilance Awareness Week-2012’ was observed at all the offices of the Bank with focus on “Transparency in Public Procurement”. Accordingly, the Heads at various offices of the Bank sensitized the staff members to be vigilant and perform their duties as per extant systems and procedures. Further, in order to lay thrust on “Public Procurement”, the customers and members of public were associated through customer meetings and emphasis was on spreading awareness through transparency in public procurement.

10- _.k IkqUkjh{kk Rka«k_.k IkqUkjh{kk Rka«k _.k Ckgh dh xq.koÙkk] _.k Ikz'kkLkUk dh izHkko'khyrk dk fujarj ewY;kadu djus] _.k jsfVax IkzfØ¸kk dh 'kq)Rkk CkUkk, j[kus vkSj _.k iz'kklu esa xq.kkRed lq/kkj ykus dk egRoiw.kZ lk/ku fl) gqvk gSA foRrh; o"kZ 2011&12 ds nkSjku _.k iqujh{kk nyksa }kjk 455 'kk[kkvksa ds 143530 djksM+ #i;s dh jkf'k d¢ dqYk ,DlIkksTkj ds 2236 [kkrksa ¼5-00 djksM+ #i;s rFkk vf/kd ds ,Dlikstj OkkYks½ dh iqujh{kk dh xbZA

11- lrdZrk rU=cSad dk lrdZrk ra= egkizcU/kd vksgns ds eq[; lrdZrk vf/kdkjh dh loksZifj ns[kjs[k ds varxZr dk;Z dj jgk gS vkSj blesa iz/kku dk;kZy; esa ,d iwjk foHkkx rFkk QhYM esa dk;Zjr 16 lrdZrk vf/kdkjh ¼p;fur izknsf'kd Ekq[¸kkYk¸kksa esa½ eq[; lrdZrk vf/kdkjh ds izR;{k fu;a=.k esa dk;Zjr gSaA dsUæh; lrdZrk vk;ksx ds laj{k.k ,oa ekxZfunsZ'kksa ds vuqlkj cSad lrdZrk ds lHkh {ks=ksa vFkkZr~ fuokjd] [kkstiw.kZ o n.MkRed lrdZrk esa i;kZIr lq/kkj ykus ds mik; dj jgk gSA lrdZrk foHkkx dsanzh; lrdZrk vk;ksx vkSj dsanzh; tkap C;wjks ls laidZ j[kRkk gS vkSj cSad ds vanj Hkh fofHkUu foHkkxksa ls izHkko'kkyh <ax ls leUo; cuk, gq, gS rkfd lrdZrk iz'kklu dh n{krk lqfuf'pr gks ldsA;g lqfuf'pr djus ds fy, fd cSad }kjk fu/kkZfjr izfdz;k ,oa i)fr dk vuqikyu LVkQ lnL;ksa }kjk vius vf/kdkfjd dk;Z fuiVkus ds nkSjku fd;k tk jgk gS] vkWQ&lkbV rFkk vkWu&lkbV nksuksa LRkjksa Ikj fofHké dne mBk, tk jgs gSaA vkWu&lkbV fuxjkuh ds ,d vax ds #i esa tksf[ke vk/kkfjr vkarfjd ys[kkijh{kk ¼vkjchvkbZ,½ esa nh xbZ tkf[ke jsfVax] izkIr f'kdk;rksa rFkk izkIr lzksr lwpuk ds vk/kkj ij 'kk[kkvks dk vkSpd fujh{k.k fd;k tkrk gS] ftlesa cSad ds ekxZfunsZ'kksa ds vuqikyu rFkk fuokjd lrdZrk mik;ksa ds ewY;kadu ij fo'ks"k /;ku fn;k tkrk gSA blh izdkj Hkfo"; lwpd lrdZrk dh vksj vxzlj gksus ds mÌss'; ls vkWQ&lkbV fuxjkuh rFkk lwpuk@vkadM+k fo'ys"k.k dks lqn`<+ cukus ds fy, cSad ds VsDuksykWth IysVQkeZ dk mUu;u fd;k x;kAIkfjpkyuksa] fo'ks"k:i ls xzkgdksa ds lkFk ysu&nsu esa ikjnf'kZrk ykus ds fy, Hkh dne mBk, x, gSaA cSad us bZ&VªsfMaXk lQyrkiwoZd ykxw dh gSA osaMjksa }kjk Hkqxrku gsrq izLrqr fcyksa ds laca/k esa iz/kku dk;kZy; rFkk izknsf'kd dk;kZy;] nksuksa gh Lrjksa ij cSad dh osclkbV ij fcyksa dh fLFkfr n'kkZus dh Á.kkyh vkjEHk gks xbZ gSA blds vfrfjDr cSad us _.k izLrko Vªsfdax iz.kkyh fodflr dh gS] ftls vkarfjd :i ls vkjEHk dj fn;k x;k gSA cSad xzkgdksa dks ;g lqfo/kk miyC/k djkus dh vksj izo`Rr gS] ftlds rgr xzkgd cSad dh osclkbV ij vius _.k vkosnuksa dh fLFkfr dk irk yxk ldsaxsA CkSad Uks Ik¸kkZIRk Lkqj{kk fUk¸ka«k.k YkkXkw fd¸kk gS Rkkfd LkwPkUkk RkFkk LkwPkUkk Ikz.kkYkh Rkd vUkf/k—Rk O¸kfä¸kksa dh IkgqaPk Uk gks Lkd¢Adsanzh; lrdrkZ vk;ksx ds fn'kkfunsZ'kksa ds vuq:Ik cSad ds lHkh dk;kZy;ksa esa ^^lrdZrk tkx:drk lIrkg&2012^^ euk;k x;k] ftlesa ^^Ykksd IkzkIk.k Eksa Ikkjnf'kZRkk^ ij fo'ks"k tksj fn;k x;kA rnuqlkj cSad ds fofHkUu dk;Zky;ksa ds izeq[kksa us cSad ds LVkQ lnL;ksa dks lrdZ jgus vkSj ekStwnk iz.kkyh ,oa i}fr ds vuqlkj viuh M~;wVh djus ds fy, izksRlkfgr fd;kA blds lkFk gh ^^Ykksd IkzkIk.k^ ij tksj nsus ds fy, xzkgdksa rFkk vke turk dks cSBdksa ds ek/;e ls 'kkfey fd;k x;k vkSj buesa Hkz"Vkpkj ds fo:) tkx:drk iSnk djus rFkk izpkj djus ij tksj fn;k x;kA

37



12. SYSTEMS & PROCEDURES:The review of existing systems & procedures is an integral part of Bank’s functioning. The O&M cell is monitoring the Query & Suggestions received from the constituents on the website of the bank. The cell gives prompt response to the queries received and ensures providing of instant solutions to problems faced by the customers of the bank.13. INFORMATION TECHNOLOGY:13.1 Core Banking Solution (CBS) and Wide Area Network The Bank has a state of art IT Infrastructure and has its 100% working on CBS through network of 2000 branches and extension counters offering an array of IT products viz. Internet Banking, Electronic Remittance facilities through RTGS/ NEFT, Online Education Loan, e-Shoppe, e-Taxes, Online Trading of Shares, SMS Alerts, RuPay and VISA Debit Cards, Ready Kits and Mobile Banking. The Bank has successfully upgraded its IT Infrastructure to support its increasing business and to further improve overall functionality of the various services, during the current financial year.Bank has been using system driven classification of accounts as per Income Recognition and Accounts Classification norms of RBI. The provision for loan accounts classified as non performing assets is also computed by the system. The MIS software has been customized to generate large number of Statutory and Statistical Returns thereby ensuring correct generation of the information at Corporate level.To strengthen the Bank's commitment towards uninterrupted service to its customers, Bank has built a robust Corporate Network using Leased Lines and VSATs with sufficient redundancy to achieve highest level up time.To further strengthen the access level security for CBS users, bank has started implementing additional biometric authentication wherein the system authenticates the user through his finger prints in addition to user id and password.13.2 Disaster Recovery SetupBank has implemented-3-way DR architecture through Primary Data Centre, Near Line Site at Vashi Navi Mumbai and Disaster Recovery Site at Greater Kailash, New Delhi for Zero Data Loss for CBS operations. The data is synchronously replicated from PDC to NLS and is asynchronously replicated from PDC to DRS. This ensures that in case of major problem at PDC, complete data of CBS can be made available at DRS within the shortest possible time. The Bank has successfully conducted DR Drill during last quarter of 2012-13 to ensure readiness to commence operations through DR in case of an eventuality leading to non-availability of services through Primary Data Centre.13.3 ATMSDuring the financial year, Bank has deployed 182 additional ATMs out of which 30 ATMs have been deployed, at Metro locations, 37 ATMs have been deployed at Urban locations, 82 ATMs have been deployed at Semi-Urban locations and 33 ATMs at Rural Areas. Thus, as on March 2013, Bank has 1452 ATMs, which includes 1087 Onsite ATMs, 352 Offsite ATMs and 13 Mobile ATMs.The ATM card of the Bank is a global ATM cum Debit card accepted across more than 1.16 Lac ATMs deployed in the country besides VISA enabled ATMs and POS machines

12- i+)fr ,oa izfdz;k,aorZeku i)fr;ksa ,oa izfdz;kvksa dh leh{kk cSad ds dk;Zpkyu dk ,d vfHkUu vax gSA laxBu ,oa i)fr d{k cSad dh osclkbV ij xzkgdksa ls izkIr 'kadkvksa o lq>koksa dks ekuhVj dj jgk gSA d{k }kjk bl izdkj izkIr 'kadkvksa dk rRdky mRrj fn;k tkrk gS o cSad ds xzkgdksa dh leL;kvksa dk rRdky lek/kku djuk lqfuf'pr fd;k tkrk gSA 13- lwpuk izkS|ksfxdh

13-1 dksj cSaÇdx lek/kku ¼lhch,l½ vkSj okbM ,fj;k usVodZcSad ds ikl vk/kqfudre vkbZVh baÝkLVªDpj gS rFkk 2000 'kk[kkvksa Ok foLrkj iVyksa ds UksVOkdZ d¢ tfj, bldk 100% dk;Z lhch,l ij gksrk gSA CkSad dbZ vkbZVh vk/kkfjr fOkfHkUUk mRikn izLrqr dj jgk gS tSls baVjusV cSafdax] vkjVhth,l@,ubZ,QVh ds tfj, bYksDVªkWfUkd /kUk izs"k.k lqfo/kk,a] vkWuykbu f'k{kk _.k] bZ&'kkWis] bZ&VSDlsl] 'ks;jksa dh vkWuykbu VªsfMax] ,l,e,l vyVZ] :Iks ,Oka OkhTk+k MsfcV dkMZ] jsMh fdV o eksckby cSafdaxA cSad us vius c<+rs gq, dkjksckj dks laHkkyus ds fy, lwpuk izkS|ksfxdh dh viuh vk/kkjHkwr lajpuk dk mUu;u fd;k rkfd orZeku foÙkh; o"kZ ds nkSjku fofHkUu lsokvksa dh lexz dk;Zdq'kyrk dks vf/kd csgrj cuk;k tk ldsAcSad] HkkjRkh¸k fjTkOkZ CkSad vk; fu/kkZj.k ,oa ys[kk oxhZdj.k izfrekuksa ds vuqlkj [kkRkksa dk flLVe vk/kkfjr oxhZdj.k dj jgk gSA xSj&fu"iknudkjh vkfLr;ksa ds :i esa oxhZd`r _.k [kkrksa ds fy, fd, x, izko/kku dk vkdyu Hkh flLVe }kjk fd;k tkrk gSA ,evkbZ,l LkkW¶VOks¸kj dk dLVekbts'ku fd;k x;k ftlds ifj.kker% dkjiksjsV Lrj ij rR{k.k lgh lwpuk fudkyh tk ldrh gSAXkzkgdksa dks vck/k lsok,a nsus gsrq cSad dh izfrc)rk dks iwjk djus ds fy, cSad uss LkOkksZPPk Lrjh; viVkbe dks IkzkIRk djUks d¢ fy, yhTM ykbu vkSj Ik¸kkZIRk IkzPkqjRkk ds lkFk ohlSV dk iz;ksx djrs gq, l'kDr dkjiksjsV usVodZ cuk;k gSALkhCkh,Lk Ikz¸kksäkvksa d¢ fYk, IkgqaPk LRkj dh Lkqj{kk dks vkSj EkTkCkwRk CkUkkUks d¢ fYk, CkSad Uks vfRkfjä CkkW¸kksEkhfVªd vf/kIkzEkk.kUk vkjaHk fd¸kk gS tks fLkLVEk Ikz¸kksäk dks ¸kwTkj vkbZMh RkFkk IkkLkOkMZ d¢ vfRkfjä] mLkdh vaXkqfYk¸kksa dh NkIk d¢ Tkfj, Hkh vf/kIkzEkkf.kRk djRkk gSA13-2 vkink mn~/kkj lsV&vicSad us ok'kh] uoh eqEcbZ esa izkbejh MkVk dsUæ d¢ t+fj, fu;j ykbu lkbV vkSj xzsVj dSyk'k] ubZ fnYyh esa fMt+kLVj fjdojh lkbV ds tfj, f=vk;keh Mhvkj <kapk LFkkfir fd;k gS rkfd lhch,l ds fy, 'kwU; MkVk gkfu lqfuf'Pkr dh tk ldsA izkbejh MkVk lsUVj ls MkVk dh fu;j ykbu lkbV esa vuq—fr fujarj lkFk&lkFk gksrh jgrh gS vkSj izkbejh MkVk lsUVj ls Mhvkj,l esa izfrfyI¸kdj.k gksrk gSA blls lqfuf'Pkr gksrk gS fd izkbejh MkVk lsUVj ij cM+h [kjkch gksus dh fLFkfRk esa lhch,l dk laiw.kZ MkVk ;FkklaHko dEk Lks dEk le; esa Mhvkj,l esa miyC/k djk;k tk ldsA CkSad Uks 2012&13 dh vafRkEk fRkEkkgh Eksa LkQYkRkkIkwOkZd Mhvkj fMªYk LkEIkUUk dh Rkkfd ,sLkh fdLkh vkdfLEkdRkk dh fLFkfRk Eksa TkCk IkzkbEkjh MkVk LksaVj d¢ Tkfj, LksOkk mIkYkC/k Ukgha jgRkh] dk¸kZ IkzkjaHk gksUkk LkqfUkf'PkRk fd¸kk Tkk Lkd¢A13-3 ,Vh,e foŸkh; o"kZ ds nkSjku cSad us 182 vfrfjä ,Vh,e yxk, ftuesa ls 30 ,Vh,e egkuxjh; d¢Uæä ij] 37 ,Vh,e 'kgjh LFkkuä ij] 82 ,Vh,e v)Z&'kgjh LFkkuä ij vkSj 33 ,Vh,e xzkeh.k LFkkuä ij yxk, x, gSaA bl izdkj ekpZ] 2013 dh fLFkfr d¢ vuqlkj cSad ds 1452 ,Vh,e gSa ftUkesa 1087 vkulkbV ,Vh,e 352 vkWQ lkbV ,Vh,e rFkk 07 eksckby ,Vh,e gSaAcSad ds ,Vh,e dkMZ XYkksCkYk ,Vh,Ek&Lkg&MsfCkV dkMZ gSa] Tkks fOk'Ok Hkj Eksa YkXks OkhTk+k leFkhZ ,Vh,Ek RkFkk Ikhvks,Lk Ek'khUkksa d¢ vYkkOkk ns'k esa

38



deployed across the globe. As of 31.03.2013 total Card base of ATM cum Debit cards is 39.08 Lac and about 76% of eligible cash transactions are happening through the ATMs for the Bank as a whole.The 'Ready Kit' system is being effectively used at all branches through which ATM Cards and ATM PINs are made available to the customers immediately at the time of opening of accounts.13.4 lnternet BankingDuring the financial year 2012-13, the Bank has brought additional customer centric services in Internet Banking Application such as “Online creation of e-FDR/e-CDR”, “CST/VAT online tax payments for Maharashtra and Delhi States”, “Instant delivery of NetBanking PINs to Customer’s registered mobile number”, “Integration with 16 HUDA Offices for online payment of dues”, “Integration with DGFT for e-BRC (Bank Realization Certificate) and EFT for online payment of license fee by Exporters”. The Bank has also integrated with educational institutes viz. “SGSITS, Indore” and “Lovely Professional University, Jalandhar” to facilitate students to pay their educational fee online. Further, to promote and expand the e-commerce transactions, Bank has integrated with two more leading Merchant aggregators i.e. Times of Money Ltd and EBS Solution Pvt Ltd.During the year, there is 29% increase in daily average hits and about 1.11 Lacs new customers have been enrolled for NetBanking services, taking the total customer base to 5.57 lacs. Further as a part of the Business Continuity Plan (BCP), the Bank has successfully conducted two DR Drills for I-Banking during the year.13.5 Electronic Payment SystemAll the branches of the Bank offer inter-Bank remittances through RTGS and NEFT using secured channel of SFMS managed by IDRBT. Internet Banking subscribers of the Bank are encouraged to use online facility of RTGS and NEFT for inter-bank remittances.The above Electronic Payment System has witnessed substantial increase in transactions on y-o-y basis. RTGS and NEFT Transactions have reached a cumulative figure of 16.24 Lacs and 23.38 Lacs respectively for the year ended March 2013 showing an increase of 44.87% and 61.58% respectively on year to year basis.13.6 Corporate WebsiteThe Bank has enhanced facilities on its Corporate website during the financial year as per details submitted hereunder:- y Introduction of Online Vehicle Loan, Housing Loan and

MSME Loan with tracking facility in addition to already available Online Education Loan.

y A separate page pertaining to MSME portal has been added which contains relevant information on policy of the Bank, MSME Clusters, state wise MSME branches, Training Details etc. for the benefit who wish to know and avail this facility from our Bank.

y Bank has displayed the details of all unclaimed Deposits and Inoperative accounts at its corporate website with an intelligent search facility whereby a customer can locate such deposit belonging to him by keying in any of the basic parameters such as name, address etc.

yxs 1-16 Ykk[k ls Hkh vf/kd ,Vh,e ij Lohdkj fd, tkrs gSaA fnUkkad 31-03-2013 dh fLFkfRk d¢ vUkqLkkj dqy 39-08 yk[k ,Vh,e&lg&MsfcV dkMZ/kkjd gSa v©j iwjs cSad esa ,Vh,e d¢ t+fj, yxÒx 76% ik«k udn ysu&nsu fd, tk jgs gSa A*jsMh fdV* i)fr LkHkh 'kk[kkvksa Eksa dkjXkj <aXk Lks dk¸kZ dj jgh gSa] ftlls xzkgdksa dks [kkrk [kksyrs le; rRdky ,Vh,e dkMZ rFkk ,Vh,e fiu lqfo/kk miyC/k djkbZ tkrh gS A

13-4 baVjusV cSaÇdxfOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk] CkSad Uks baVjUksV CkSafdaXk ,IYkhd¢'kUk Eksa vfRkfjä Xkzkgd d¢fUnzRk LksOkk,a TkSLks *bZ&,QMhvkj@bZ&LkhMhvkj vkWUkYkkbUk CkUkkUkk* *EkgkjkVª RkFkk fnYYkh jkT¸kksa d¢ fYk, Lkh,LkVh@OkSV dk vkWUkYkkbUk dj HkqXkRkkUk* *Xkzkgd d¢ IkaTkh—Rk EkksCkkbYk UkECkj Ikj UksV CkSafdaXk fIkUk RkRdkYk HksTkUkk* ns¸k jkf'k d¢ vkWUkYkkbUk HkqXkRkkUk d¢ fYk, 16 gqMk dk¸kkZYk¸kksa d¢ LkkFk ,dhdj.k* *bZ&CkhvkjLkh ¼CkSad OkLkwYkh IkzEkk.kIk«k½ d¢ fYk, MhTkh,QVh d¢ LkkFk ,dhdj.k vkSj fUk¸kkZRkdksa }kjk YkkbLksaLk QhLk ds vkWUkYkkbUk HkqXkRkkUk d¢ fYk, bZ,QVh*A CkSad Uks SGSITS bankSj RkFkk *YkOkYkh IkzksQs'kUkYk ¸kwfUkOkfLkZVh] TkkYka/kj* TkSLkh 'kSf{kd LkaLFkkvksa d¢ LkkFk ,dhdj.k fd¸kk gS Rkkfd bUk LkaLFkkvksa d¢ Nk«k vIkUks 'kSf{kd 'kqYd vkWUkYkkbUk vnk dj Lkd¢aA bLkd¢ vYkkOkk bZ&dkWEkLkZ YksUknsUkksa dks Ck<+kOkk nsUks Ok bUkdk fOkLRkkj djUks d¢ fYk,] CkSad Uks nks vXkz.kh EkPks±V ,XkzhXksVLkZ vFkkZRk~ VkbEl vkWQ EkUkh fYk- RkFkk bZCkh,Ek LkkWY¸kw'kUk Ikzk- fYk- d¢ LkkFk ,dhdj.k fd¸kk gSAbLk Ok"kZ d¢ nkSjkUk cSad ds nSfUkd fgV~Lk dh Lka[¸kk Eksa 29% dh Ok`f) gqbZ vkSj baVjUksV CkSafdaXk d¢ fYk, 1-11 Ykk[k Uk, Xkzkgd IkaTkh—Rk fd, Xk, fTkLkLks dqYk xzkgd vk/kkj 5-57 Ykk[k gks Xk¸kk A bLkd¢ vfRkfjä] dkjksCkkj fUkjaRkjRkk ¸kksTkUkk d¢ ,d HkkXk d¢ :Ik Eksa CkSad Uks Ok"kZ d¢ nkSjkUk nks Mh vkj fMªYk dk LkQYkRkkIkwOkZd vk¸kksTkUk fd¸kkA

13-5 bysDVªkfud Hkqxrku i)frcSad dh lHkh 'kk[kk,a vkbZMhvkjchVh }kjk fu;af=r ,l,Q,e,l ds lqjf{kr pSuy dk iz;ksx djrs gq, vkjVhth,l vkSj ,ubZ,QVh ds fy, varj&cSad izs"k.k dh lqfo/kk ns jgh gSaA cSad ds baVjusV cSaÇdx xzkgdksa dks varj&cSad izs"k.k ds fy, vkjVhth,l rFkk ,ubZ,QVh dh vkWuykbu lqfo/kk dk iz;ksx djus ds fy, izsfjr fd;k tkrk gSAmij¨ä bysDVªkfud Hkqxrku i)fr esa o"kZ nj o"kZ vk/kkj ij ysu&nsu¨a esa EkgROkIkw.kZ o`f) gqbZ A ekpZ] 2013 dks LkEkkIRk Ok"kZ Eksa vkjVhTkh,Lk RkFkk ,UkbZ,QVh d¢ Tkfj, LkaO¸kOkgkjksa dh dqYk Lka[¸kk Øe'k% 16-24 Ykk[k RkFkk 23-38 Ykk[k jgh] Tkks Ok"kZ&nj&Ok"kZ vk/kkj Ikj dzEk'k% 44-87% RkFkk 61-58% dh Ok`f) n'kkZRkh gSa A

13-6 dkjiksjsV osclkbVcSad us fOkÙkh¸k Ok"kZ d¢ nkSjkUk viuh dkjiksjsV osclkbV LkaCka/kh LkqfOk/kkvksa Eksa UkhPks fn, Xk, fOkOkj.k vUkqLkkj Ok`f) dh gS %& y IkgYks Lks mIkYkC/k vkWUkYkkbUk f'k{kk _.k d¢ vYkkOkk vkWUkYkkbUk OkkgUk

_.k] vkOkkLk _.k RkFkk ,Ek,Lk,EkbZ _.k dk VªSfdaXk LkqfOk/kk ¸kqqä vkjaHkA

y ,Ek,Lk,EkbZ IkksVZYk Lks LkaCkaf/kRk ,d vYkXk Ik`"B TkksM+k Xk¸kk gS fTkLkEksa CkSad dh UkhfRk] ,Ek,Lk,EkbZ LkEkwgksa] jkT¸kOkkj ,Ek,Lk,EkbZ 'kk[kkvksa] Ikzf'k{k.k fOkOkj.k vkfn dh TkkUkdkjh nh XkbZ gS Rkkfd mUk O¸kfä¸kksa dks vkLkkUkh jgs Tkks bLk LkqfOk/kk d¢ Ckkjs Eksa TkkUkUkk PkkgRks gSa vkSj gEkkjs CkSad Lks bls IkzkIRk djUkk PkkgRks gSa A

y CkSad Uks vIkUkh dkWjIkksjsV OksCkLkkbV Ikj ,d baVsfYkTksaV LkPkZ LkqfOk/kk d¢ LkkFk LkHkh vnkOkk—Rk TkEkkjkf'k¸kksa vkSj fUkf"Ø¸k [kkRkksa dk fOkOkj.k Ikznf'kZRk fd¸kk gS fTkLkd¢ }kjk Xkzkgd fdLkh Hkh CksfLkd IkSjkEkhVj TkSLksfd UkkEk] IkRkk vkfn dks izfo"V djds TkEkkjkf'k¸kksa dk IkRkk YkXkk LkdRks gSaA

39



y A new customer care section has been created at banks corporate website for convenience of the customers wherein options like – feedback complaints, policies, Citizen Charter, Codes for Customer Services, Service Charges and fees etc. are available at a single place for better benefit to our website viewers.

13.7 SMS Banking The Bank received an overwhelming response for SMS based alert service and it is being widely accepted by the customers, It is an effective tool to monitor transactions in accounts by customers themselves. As on March 2013, there are about 36.77 Lacs registered customers and presently more than 3 Crore SMS messages are being sent per month on various transactions and promotional initiatives undertaken.13.8 Mobile BankingThe Bank has put in place state of art Mobile Banking platform through which customers can do fund transfer and e-commerce activity besides undertaking basic services such as Account Balance information, viewing last 10 transactions, Branch Locator, ATM Locator, NEFT, Mini Statement, Mobile Banking can also be used for making cheque status inquiry, instructions for stopping the cheque and for Utility Bill payments.13.9 IS SecurityBank has put in place state of the art security equipments and monitoring devices at its Primary and Secondary Data Centres. The security, events are monitored on 24x7x365 basis. The Bank’s Data Centre and DIT have achieved ISO 27001:2005 security certification, a highest security standard for Information Security Management System (ISMS) accreditation in the Ministry of Information Technology, Govt. of India, thereby ensuring that Bank adopts contemporary IS Security setup.Separate sessions on Information Security are incorporated in all trainings held across all the Training Centers of the Bank.13.10 IT Education to StaffBank has taken major initiatives to train its staff on various aspects of Banking including training on latest IT Products. Regular training programmes are being conducted at Bank's training colleges and Staff is also trained through other reputed institutes. Officials are extensively trained on latest IT Products to further promote these services. Bank has prepared comprehensive CD containing information on IT Based products and services of the Bank which is being used by Marketing Department', Regional Offices and branches for making presentations during the Customers' Meet. Seminars are organized at Regional Offices on correction and completion of MIS data and also for handling of the advanced CBS features such as Loans, NPAs, etc.E- Learning modules have been created for online learning by the staff through Banks web portal, thereby improving the opportunities to the staff for further up gradation of their skills on various Banking and related activities at their place of work.

y Xkzkgdksa dh LkqfOk/kk d¢ fYk, CkSad dh dkWjIkksjsV OksCkLkkbV Ikj ,d Uk¸kk Xkzkgd LksOkk [k.M LkfTkRk fd¸kk Xk¸kk gS fTkLkEksa gEkkjs OksCkLkkbV n'kZdksa d¢ CksgRkj fgRk dh –f"V Lks QhMCkSd] f'kdk¸kRksa] UkhfRk¸kka] fLkVhTkUk PkkVZj] Xkzkgd LksOkk LkafgRkk] LksOkk IkzHkkj vkSj 'kqYd vkfn ,d gh LFkkUk Ikj mIkYkC/k gSA

13-7 ,l,e,l cSaÇdxCkSad dh ,Lk,Ek,Lk CkSafdaXk vYkVZ LksOkk dks dkQh IkzksRLkkgUk fEkYkk gS vkSj ¸kg O¸kkIkd :Ik Lks Xkzkgdksa }kjk vIkUkkbZ Tkk jgh gS A xzkgdksa }kjk Lo;a vius YksUknsUkksa dks EkkWfUkVj djUks RkFkk LkkbCkj vIkjk/k dks jksdUks dk ¸kg dkjXkj Lkk/kUk gSA EkkPkZ] 2013 dh fLFkfRk d¢ vUkqLkkj IkaTkh—Rk Xkzkgdksa dh Lka[¸kk 36-77 Ykk[k gS vkSj fOkfHkUUk LkaO¸kOkgkjksa vkSj LkaOk/kZUkdkjh Uk, dk;ksZa d¢ LkaCka/k Eksa 3-00 djksM+ ls vf/kd ,Lk,Ek,Lk Lkans'k IkzfRkEkkg HksTks Tkk jgs gSaA

13-8 EkksCkkbYk CkSafdaXkCkSad Uks vk/kqfUkdRkEk EkksCkkbYk CkSafdaXk IYksVQkWEkZ mIkYkC/k djk¸kk gS fTkLkd¢ }kjk Xkzkgd EkwYkHkwRk LksOkkvksa TkSLksfd [kkRkk 'ks"k laca/kh TkkUkdkjh] vafRkEk 10 YksUknsUk ns[kUkk] 'kk[kk Ykksd¢Vj] ,Vh,Ek Ykksd¢Vj] ,ubZ,QVh] feuh LVsVesaV dk YkkHk mBkUks d¢ LkkFk&LkkFk fUkf/k&vaRkj.k RkFkk bZ&dkWEkLkZ LkaCkaèkh dk¸kZdYkkIkksa d¢ fYk, Hkh bLkdk mIk¸kksXk dj LkdRks gSaA EkksCkkbYk CkSafdaXk dk Ikz¸kksXk Pksd dh fLFkfRk dh IkwNRkkN] Pksd jksdUks dh fgnk¸kRk RkFkk ¸kwfVfYkVh fCkYkksa d¢ HkqXkRkkUk d¢ fYk, Hkh fd¸kk Tkk LkdRkk gSA

13-9 LkwPkUkk iz.kkyh lqj{kkcSad us vius eq[; ,oa xkS.k MkVk dsUæksa ij vR;k/kqfud lqj{kk mIkdj.k vkSj fuxjkuh miLdj LFkkfir fd, gSaA lqj{kk fLFkfRk dh fUkXkjkUkh 24 x 7 x 365 vk/kkj ij dh tkrh gSA CkSad ds MkVk d¢anz RkFkk lwpuk Á©|¨fxdh fOkHkkXk Uks ISO 27001 : 2005 Lkqj{kk IkzEkk.kIk«k IkzkIRk fd¸kk gS Tkks LkwPkUkk IkzkS|ksfXkdh ea«kky;]Òkjr ljdkj Eksa LkwPkUkk Lkqj{kk IkzCkU/kUk Ik)fRk (ISMS) dh EkkU¸kRkk d¢ fYk, ,d mPPkRkEk Lkqj{kk EkkUkd gS fTkLkLks LkqfUkf'PkRk gksRkk gS fd CkSad Uks LkEkLkkEkf¸kd LkwPkUkk Lkqj{kk LksVvIk vIkUkk¸kk gSACkSad d¢ LkHkh Ikzf'k{k.k d¢Unzksa Ikj vk¸kksfTkRk LkHkh Ikzf'k{k.k dk¸kZdzEkkas Eksa LkwPkUkk Lkqj{kk Ikj vYkXk Lk«k j[ks TkkRks gSaA

13-10 LVkQ dks vkbZVh f’k{kkCkSad Uks vIkUks LVkQ dks CkSafdaXk d¢ fOkfHkUUk Ik{kksa d¢ LkaCka/k Eksa Ikzf'kf{kRk djUks gsRkq egRoiw.kZ dnEk mBk, gSa] fTkUkEksa UkOkhUkRkEk LkwPkUkk IkzkS|¨fXkdh mRIkknä ij Áf'k{k.k Hkh 'kkfEkYk gSA CkSad d¢ Ikzf'k{k.k egkfo|ky;ä vkSj vU¸k IkzfRkf"BRk LkaLFkkUkksa Eksa fUk¸kfEkRk Ikzf'k{k.k dk¸kZØEk vk¸kksfTkRk fd, Tkk jgs gSaA deZpkfj;ä d¨ uohure vkbZVh mRiknä dk O;kid Áf'k{k.k fn;k TkkRkk gS rkfd bu lsokvä d¨ v©j c<+kOkk fn¸kk tk ld¢A cSad us foLRk`r LkhMh RkS¸kkj dh gS] fTkLkEksa CkSad d¢ LkwPkUkk izkS|ksfxdh vk/kkfjRk mRIkknksa vkSj LksOkkvksa dh TkkUkdkjh nh XkbZ gS rFkk ekfdZÇVx foÒkx] Ikzknsf'kd dk¸kkZYk¸kksa vkSj 'kk[kkvksa }kjk Xkzkgd CkSBdksa d¢ nkSjkUk IkzLRkqfRk gsRkq bLk LkhMh dk Ikz¸kksXk fd¸kk Tkk jgk gSA dbZ izknsf'kd dk;kZy;ksa esa ,evkbZ,l MkVk dh 'kq)rk vkSj iw.kZrk ij rFkk lhch,l esa _.k ,uih, bR;kfn tSls mUUkr i{kksa ij lsfeukj vk;ksftr fd, x,ALVkQ }kjk CkSad d¢ OksCkIkksVZYk d¢ Tkfj, vkWUkYkkbUk KkUk vTkZUk d¢ fYk, bZ&YkfUk±Xk EkksMÓwYk CkUkk, Xk, gSa fTkLkd¢ }kjk LVkQ dks mUkd¢ dk¸kZ&LFkYk Ikj gh fOkfHkUUk CkSafdaXk RkFkk LkECk) dk¸kZdYkkIkksa Ikj dkS'kYk mUUk¸kUk d¢ CksgRkj vOkLkj mIkYkC/k djk, Xk, gSa A

40



Disclosure under Basel II (Pillar 3) in terms of Revised Capital Adequacy Framework DF1 SCOPE OF APPLICATION1.1 Oriental Bank of Commerce is a Public Sector Bank

having no subsidiary.1.2 Oriental Bank of Commerce signed a Memorandum of

Understanding with Canara Bank and HSBC Insurance (Asia Pacific) Holdings Ltd. in March 2007 for setting up Joint Venture in Life Insurance. The Joint Venture Company was registered in India with Registrar of Companies as Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd in September 2007. The Company has started its operation in June 2008.

OBC’s investment in the Joint Venture is risk weighted for accounting and regulatory purpose.

1.3 Aggregate Amount of Capital Deficiencies- NIL1.4 Capitalization Details:

S. N. Name of the Company

Coun-try of

Incorpo-ration

OBC Canara Bank HSBC

1Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd

India 23% 51% 26%

Total Authorized Capital of the company is Rs. 1200 Crore, out of which paid up capital is Rs. 950 Crore plus Rs.125.00 Crore is the amount of premium paid by HSBC Insurance (Asia-Pacific) Holdings Ltd.

DF-2. CAPITAL STRUCTURE QUALITATIVE DISCLOSURESBank’s Tier I capital comprises of Equity Shares, Reserves and Innovative Perpetual Bonds.

Bank has issued Innovative Perpetual Bonds (Tier 1 capital) and also other bonds eligible for inclusion in Tier 2 capital. Some of the important terms of the bonds are as under:

la’kksf/kr iwath i;kZIrrk <kaps ds vuqlkj cklsy&II ¼fiyj&3½ ds varxZr izdVu

Mh,Q &1- iz;ksT;rk dk fo"k; {ks=

1-1 vksfj;UVy cSad vkWQ dkWelZ lkoZtfud {ks= dk cSad gS ftldh dksbZ vuq"kaxh laLFkk ugha gSA

1-2 vksfj;UVy cSad vkWQ dkWelZ us thou chek la;qä m|e dh LFkkiuk ds fy, ekpZ] 2007 esa dsujk cSad vkSj ,p,lch,l ba';ksjsal ¼,f'k;k iSflfQd½ gksÇYMXl fy- ds lkFk leÖkkSrk Kkiu ij gLrk{kj fd,A bl la;qä m|e daiuh dks daiuh jftLVªkj esa dsujk ,p,lchlh vksfj;UVy cSad vkWQ dkWelZ YkkbQ ba'¸kksjsaLk daiuh fy- ds uke ls flrEcj] 2007 esa iath—r djok;k x;kA daiuh us twu] 2008 esa dk;Z vkjaHk dj fn;k gSA

Lka¸kqDRk m|Ek esa v¨chlh dk fuos'k ys[kkadu ,oe~ fofu;ked Á;¨tu gsrq t¨f[ke Òkfjr gSA

1-3 iwath dh deh dh dqy jkf’k&’kwU;

1-4 iwathdj.k fooj.k

Ø Lka- daIkUkh dk UkkEk fUkXkEkUk

dk ns'k vksCkhLkh d¢UkjkCkSad

,Pk,LkCkhLkh

1

d¢Ukjk ,Pk,LkCkhLkh vksfj¸kUVYk CkSad vkWQ dkWEkLkZ TkhOkUk CkhEkk daIkUkh fYk-

HkkjRk 23% 51% 26%

bl daiuh dh dqy izkf/k—r iwath 1200 djksM+ #- gS ftlesa ls iznŸk iwath 950 djksM+ #- vkSj ,p,lch,l ba';ksjsal ¼,f'k;k iSflfQd½ gksÇYMXl fy- }kjk iznŸk izhfe;e dh jkf'k 125-00 djksM+ #- gSA

Mh,Q&2- iwath lajpuk

Xkq.kkREkd IkzdVUkCkSad dh Vh¸kj&A IkwaTkh Eksa bfDOkVh 'ks¸kj] vkjf{kRk fUkf/k RkFkk UkOkksUEks"k CksEkh¸kknh CkkW.M 'kkfEkYk gS A CkSad Uks UkOkksUEks"k CksEkh¸kknh CkkW.M ¼Vh¸kj&A IkwaTkh½ RkFkk Vh¸kj&AA IkwaTkh Eksa 'kkfEkYk gksUks d¢ Ikk«k vU¸k CkkW.M Hkh Tkkjh fd, gSa A bUk CkkW.Mksa dh dqN EkgROkIkw.kZ 'kRks± fUkEUkkUkqLkkj gSa%&

d- OkPkUk Ik«k d¢ LOk:Ik d¢ UkOkksUEks"k XkSj TkEkkUkRkh] XkSj IkfjOkRkZUkh¸k XkkS.k CkkW.M ¼Vh¸kj&A CkkW.M½ %

Ø-Lka-

vkCkaVUk dh

Rkkjh[k

CkkW.M dh jkf’k ¼djksM+

#- Eksa½

dwIkUk nj vOkf/k dkWYk vkWI’kUk IkqV vkWI’kUk

1 07-12-2006 250 9-40% ¼¸kfn vkCkaVUk dh vk'kf¸kRk Rkkjh[k Lks 10 Ok"kZ dh LkEkkfIRk Ikj dkWYk vkWI'kUk Ikz¸kksXk Ukgha fd¸kk TkkRkk Rkks vkXkkEkh Ok"kks± d¢ fYk, 9-90% Okkf"kZd dh Ok`f)'khYk dwIkUk nj½

CksEkh¸kknh 10 Ok"kZ d¢ Ckkn vFkkZRk~ 07-12-2016 dks vFkOkk bLkd¢ Ckkn IkzfRk Okkf"kZd C¸kkTk HkqXkRkkUk dh Rkkjh[k Ikj ¼vkjCkhvkbZ d¢ IkwOkkZUkqEkksnUk d¢ v/¸k/khUk½

dksbZ Ukgha



dksbZ Ukgha



dksbZ Ukgha

41



a. Perpetual Unsecured Non-Convertible Subordinated Bonds in the nature of Promissory Notes (Tier I bonds):

S. N.

Date of Allotment

Bond amount (Rs. in crore)

Coupon Rate Tenor Call option Put option

1 07.12.2006 250

9.40%[step up coupon rate of 9.90% p.a for subsequent years if call option is not exercised at the end of 10th year from the deemed date of allotment].

PerpetualAfter 10 years i.e on 07/12/2016 or thereafter at every annual interest payment date. (subject to prior approval from RBI)

None

2 17.12.2009 300


PerpetualAfter 10 years i.e. on 17/12/2019 or thereafter at every annual interest payment date. (subject to prior approval from RBI)

None

3 17.09.2010 300


PerpetualAfter 10 years i.e. on 17/09/2020 or thereafter at every annual interest payment date. (subject to prior approval from RBI)

None

[k- OkPkUk&Ik«k d¢ LOk:Ik d¢ XkSj TkEkkUkRkh IkzfRkns¸k XkSj IkfjOkRkZUkh¸k XkkS.k CkkW.M ¼mPPk Vh¸kj&AA CkkW.M½

Ø- Lka-

vkCkaVUk dh Rkkjh[k

CkkW.M dh jkf’k ¼djksM+ #- Eksa½

dwIkUk nj vOkf/k dkWYk vkWI’kUk IkqV vkWI’kUkEkksPkUk@

IkfjIkDOkRkk*

1 21-07-2006 500

9-25% ¼¸kfn vkCkaVUk dh vk'kkf¸kRk Rkkjh[k Lks 10 Ok"kZ dh LkEkkfIRk Ikj dkWYk vkWI'kUk Ikz¸kksXk Ukgha fd¸kk TkkRkk Rkks fIkNYks 5 Ok"kks± d¢ fYk, 9-75% Okkf"kZd dh Ok`f)'khYk dwIkUk nj½

15

10 Ok"kZ d¢ Ckkn vFkkZRk~ 21-07-2016 dks ¼vkjCkhvkbZ d¢ IkwOkkZUkqEkksnUk Lks½

dksbZ Ukgha 21-07-2021

2 12-02-2009 500


15



3 20-09-2010 200


15



*HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'kksa d¢ v/¸k/khUk

b. Unsecured Redeemable Non Convertible Subordinated Bonds in the nature of Promissory Notes (Upper Tier II Bonds)

S. N.

Date of Al-lotment


Coupon Rate Tenor years

Call option Put option

Redemp-tion / Maturity *

1 21.07.2006 500 9.25% [step up coupon rate of 9.75% p.a for last 5 years if call option is not exercised at the end of 10th year from the deemed date of allotment].

15 After 10 years i.e. on 21/07/2016 (with prior approval of RBI)

None 21.07.2021



None 12.02.2024



None 20.09.2025

* Subject to RBI Guidelines

42



Xk- OkPkUk&Ik«k d¢ LOk:Ik d¢ XkSj TkEkkUkRkh IkzfRkns¸k XkSj IkfjOkRkZUkh¸k XkkS.k CkkW.M ¼Vh¸kj&AA CkkW.M½

C. Unsecured Redeemable Non Convertible Subordinated Bonds in the nature of Promissory Notes (Lower Tier II Bonds)

Ø-Lka-S. N.

vkCkaVUk dh Rkkjh[kDate of Allotment

CkkW.M dh jkf’k ¼djksM+ #- Eksa½


dwIkUk njCoupon Rate

vOkf/kTenor

dkWYk vkWI’kUkCall option

IkqV vkWI’kUkPut option

EkksPkUk@IkfjIkDOkRkk

Redemption / Maturity

1 20.04.2006 500 8.50% 120 Ekkg ¼10 Ok"kZ½/120 months (10 years) 'kwU¸k/None 'kwU¸k/None 20.04.2016



2-2 iwath fy[krksa dh eq[; ‘krks± ,oa fu;eksa@fo'ks"krkvksa laca/kh laf{kIr tkudkjh

Hkkjrh; fjtoZ cSad ds iwath i;kZIÙk ekunaMksa esa iwath fuf/k;ksa dks fV;j&I vkSj fV;j&II iwath esa oxhZ—r fd;k x;k gSA fV;j&I iwath esa iznŸk bZfDoVh iwath] lkafof/kd vkjf{kr fuf/k, vU; izdfVr eqä vkjf{kr fuf/k, iwath vkjf{kr fuf/k vkSj fV;j&I iwath esa 'kkfey gksus ds ik= uoksUes”k cseh;knh _.k fy[kr ¼fV;j&I ckaM½ 'kkfey gS tks Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr vis{kk dk ikyu djrs gSaA fV;j&II iwath esa iquewZY;kadu vkjf{kr fuf/k ¼55% cÍs ij½] lkekU; izko/kku vkSj gkfu vkjf{kr fuf/k] fV;j&II iwath esa 'kkfey gksus ds ik= mPp fV;j&II fy[kr ¼mPp fV;j&II ckaM½ vkSj xkS.k _.k fy[kr ¼fuEu fV;j&II ckaM½ 'kkfey gSA cSad us _.k fy[kr tkjh fd, gSa tks fV;j&I vkSj fV;j&II iwath dk Hkkx gSA bu fy[krksa ds fy, ykxw fu;e ,oa 'krs± fu/kkZfjr fu;ked vis{kkvksa ds vuqikyu esa gSA

Uko¨Ues"k cseh;knh _.k fy[kr ¼fV;j&I ckaM½ xSj&lap;h vkSj cseh;knh gSa vkSj buesa 10 o"kks± ds ckn dkWy vkI'ku gS ¼Hkkjrh; fjtoZ cSad ds vuqeksnu ls½A mPp fV;j&II ckaM dh 15 o"kks± dh ewy U;wure ifjiDork vof/k gS rFkk bUgsa 10 o"kks± ds ckn dky vkWI'ku ¼Hkkjrh; fjtoZ cSad ds vuqeksnu ls½ ds lkFk tkjh fd;k tk ldrk gSA fuEu fV;j&II ckaMksa dh 5 o"kks± dh U;wure ewy ifjiDork vof/k gSA

cSad }kjk fV;j&I ckaM ds tfj, tqVkbZ xbZ dqy jkf'k fiNys foŸkh; o"kZ ds 31 ekpZ dh fLFkfr ds vuqlkj cSad dh dqy fV;j&I iwath ds 15% ls vf/kd ugha gksuh pkfg,A fV;j&II iwath ds vU; ?kVdksa ds lkFk mPp fV;j&II fy[kr fdlh Hkh le; fV;j&I iwath ds 100% ls vf/kd ugha gksaxsA fUkEUk Vh¸kj&II Eksa LkEkkOks'k gsRkq Ikk«k xkS.k _.k fy[kr cSad dh fV;j&I iwath ds 50% rd lhfer gksaxsA

2-3 Ekk«kkREkd IkzdVUk

Ø- Lka- fOkOkj.k

jkf’k ¼djksM+ #- Eksa½

fV;j&A iwath va'k

d- iznŸk 'ks;j iwath 291.76

vkjf{kr fuf/k 11801.92

uoksUes"k fV;j&A iwath fy[kr 850.00

vU; iwath fy[kr 0.00

mIk TkksM+ 12943.68

2.2 Summary information on main terms and conditions/ features of capital instruments

RBI’s capital adequacy norms classify capital funds into Tier-1 and Tier-2 capital. Tier-1 capital includes paid-up equity capital, statutory reserves, other disclosed free reserves, capital reserves and innovative perpetual debt instruments (Tier-1 bonds) eligible for inclusion in Tier-1 capital that comply with requirements specified by RBI. Elements of Tier-2 capital include revaluation reserves (at 55% discount), general provision and loss reserve, upper Tier-2 instruments (upper Tier-2 bonds) and subordinate debt instruments (lower Tier-2 bonds) eligible for inclusion in Tier-2 capital. Bank has issued debt instruments that form a part of Tier-1 and Tier-2 capital. The terms and conditions applicable for these instruments comply with the stipulated regulatory requirements.

Innovative Perpetual Debt Instruments (Tier-1 bonds) are non-cumulative and perpetual in nature with a call option after 10 years (with RBI approval). Upper Tier-2 bonds have an original minimum maturity of 15 years and may be issued with call option after 10 years (with RBI approval). The lower Tier-2 bonds have an original minimum maturity of 5 years.

The total amount raised by the Bank through Tier I Bonds shall not exceed 15% of the total Tier I capital of the Bank as on March 31 of the previous financial year. Upper Tier II instruments along with other components of Tier II capital, shall not exceed 100% of Tier I capital at any time. Subordinated debt instruments eligible for inclusion in Lower Tier II will be limited to 50% of Tier I capital of the Bank.

2.3 QUANTITATIVE DISCLOSURES

S. N. Particulars Amt

(` in crore)

(a) Tier-1 capital elements

Paid-up share capital 291.76

Reserves 11801.92

Innovative Tier-1 capital instruments 850.00

Other Capital Instruments 0.00

Sub-Total 12943.68

43



Less amounts deducted from Tier I capital, including goodwill and investments 330.64

Total Tier I Capital 12613.04

(b) The total amount of Tier II capital (net of deductions from Tier II capital) 3928.51

(c) Debt capital instruments eligible for inclusion in Upper Tier II capital

y Total amount outstanding 1200.00

y Of which amount raised during the current year 0.00

y Amount eligible to be reckoned as capital funds 1200.00

(d) Subordinated debt eligible for inclusion in Lower Tier II capital

y Total amount outstanding 2025.00

y Of which amount raised during the current year 1025.00

y Amount eligible to be reckoned as capital funds 1725.00

(e) Other deductions from capital, if any. -

(f) Total eligible capital –Tier I +Tier II (a+b-e) 16541.55

DF-3 CAPITAL ADEQUACYQUALITATIVE DISCLOSURES:3.1 Capital AssessmentBank has independent Risk Management Framework to assess and maintain the requisite capital. Bank maintains sufficient capital to meet the risk arises on account of Credit Exposure, Market Exposure and Operational issues.In line with RBI guidelines Bank has adopted following approaches for implementation of New Capital Adequacy Framework – Basel II. y Standardised Approach for Credit Risk y Standardised Duration Approach for Market Risk y Basic Indicator Approach for Operational Risk

The bank has evolved well laid down Board approved Internal Capital Adequacy Assessment Process (ICAAP) framework. Assessment and review of Bank’s projected capital requirements are carried out at periodical intervals. Bank has independent ICAAP Committee constituting Top Executives of the bank to oversee the capital need and its optimization.Bank undertakes Capital Planning to ensure the sufficiency of capital keeping in view the business strategy, expected growth, regulatory requirements, Basel II/Basel III guidelines and risks for bank. The capital planning is undertaken for the horizon of next three year. While undertaking the capital planning exercise, bank reviews: y Current capital requirement. y The targeted and sustainable capital in terms of business

strategy and risk appetite.

?kVk,a Vh¸kj&A IkwaTkh Eksa Lks dVkSRkh dh jkf'k fTkLkEksa LkqUkkEk RkFkk fUkOks'k 'kkfEkYk gS

330.64

dqy fV;j&A iwath 12613.04

[k- Vh¸kj&AA IkwaTkh dh dqYk jkf'k ¼Vh¸kj&AA IkwaTkh Eksa Lks dVkSRkh ?kVkdj½

3928.51

Xk- mPPk Vh¸kj &AA IkwaTkh Eksa 'kkfEkYk gksUks gsRkq Ikk«k _.k IkwaTkh fYk[kRk

y dqYk Ckdk¸kk jkf'k 1200.00

y fTkLkEksa Lks OkRkZEkkUk Ok"kZ d¢ nkSjkUk TkqVkbZ XkbZ jkf'k

0.00

y IkwaTkh fUkf/k d¢ :Ik Eksa EkkU¸k Ikk«k jkf'k 1200.00

?k- fUkEUk Vh¸kj&AA IkwaTkh Eksa 'kkfEkYk gksUks gsRkq Ikk«k XkkS.k _.k

y dqYk Ckdk¸kk jkf'k 2025.00

y fTkLkEksa Lks OkRkZEkkUk Ok"kZ d¢ nkSjkUk TkqVkbZ XkbZ jkf'k

1025.00

y IkwaTkh fUkf/k d¢ :Ik Eksa EkkU¸k Ikk«k jkf'k 1725.00

M- IkwaTkh Eksa Lks vU¸k dVkSrh] ¸kfn dksbZ gks -

Pk- dqYk Ikk«k IkwaTkh & Vh¸kj&A + Vh¸kj & AA ¼d+[k-M-½ 16541.55

Mh,Q&3- iwath i;kZIrrk

Xkq.kkREkd IkzdVUk

3-1 iwath fUk/kkZj.k

CkSad Eksa vIksf{kRk IkwaTkh dk fUk/kkZj.k djUks vkSj bLks CkUkk, j[kUks d¢ fYk, LOkRka«k Tkksf[kEk IkzCka/kUk <kaPkk gSA CkSad _.k ,DLkIkksTk+j] CkkTkkj ,DLkIkksTk+j RkFkk IkfjPkkYkUk EkqÌksa d¢ dkj.k gksUks OkkYks Tkksf[kEkksa dks OkgUk djUks d¢ fYk, Ik¸kkZIRk IkwaTkh j[kRkk gSA

cSad us Òkjrh; fjt+oZ cSad d¢ ekxZfunsZ'k¨a d¢ vuq:i u, iwath i;kZIÙk <+kaps&cklsy-II d¨ ykxw djus d¢ fy, fuEufyf[kr –f"Vd¨.k viuk;k gS%

y _.k t¨f[ke gsrq ekud –f"Vd¨.k

y cktkj t¨f[ke gsrq ekud vof/k –f"Vd¨.k

y ifjpkyu t¨f[ke gsrq ewyÒwr lad¢rd –f"Vd¨.k

CkSad Uks EkaMYk }kjk vUkqEkksfnRk LkqIkfjHkkf"kRk vkaRkfjd IkwaTkh Ik¸kkZIRkRkk fUk/kkZj.k IkzfØ¸kk ¼vkbZLkh,,Ikh½ CkUkkbZ gSA CkSad dh vUkqEkkfUkRk IkwaTkh vkOk'¸kdRkkvksa dk fUk/kkZj.k RkFkk LkEkh{kk vkOkf/kd vaRkjkYkksa Ikj dh TkkRkh gSA CkSad Eksa LOkRka«k vkbZLkh,,Ikh LkfEkfRk gSa fTkLkEksa CkSad d¢ LkOkksZPPk dk¸kZIkkYkd 'kkfEkYk gSa vkSj Tkks CkSad dh IkwaTkh vkOk'¸kdRkkvksa vkSj bLkd¢ vfHk"VRkEk Ikz¸kksXk Ikj UkTkj j[kRkh gSA

CkSad okf"kZd :i ls IkwaTkh vk¸kksTkUkk djRkk gS fTkLkLks dkjksCkkj UkhfRk] IkzR¸kkf'kRk Ok`f)] fUk¸kkEkd vkOk'¸kdRkkvksa] CkkLksYk&AA@AAA EkkXkZfUknsZ'kksa RkFkk CkSad d¢ Tkksf[kEkksa dks /¸kkUk Eksa j[kRks gq, IkwaTkh dh Ik¸kkZIRkRkk LkqfUkf'PkRk dh TkkRkh gSA IkwaTkh vk¸kksTkUkk vXkYks RkhUk Ok"kks± d¢ fYk, dh TkkRkh gSA IkwaTkh vk¸kksTkUkk dh IkzfØ¸kk d¢ nkSjkUk CkSad fUkEUkfYkf[kRk dh LkEkh{kk djRkk gS %

y OkRkZEkkUk IkwaTkh vkOk'¸kdRkk

y dkjksCkkj UkhfRk RkFkk Tkksf[kEk IkgYkw d¢ vUkqLkkj Ykf{kRk RkFkk /kkj.kh¸k IkwaTkh A

44



QUANTITATIVE DISCLOSURES3.2 Capital requirements for various risk areas as on

March 31, 2013

S. N.

Risk area Amt (` in crore)

(a) Capital Requirements for Credit risk

y Portfolio subject to standardized approach 10,944.60

y Securitisation exposure Nil

(b) Capital requirements for market risk

- Standardised duration approach; 581.48

y Interest rate risk 382.11

y Foreign exchange (including gold) risk 2.25

y Equity position risk 197.12

(C) Capital requirements for operational risk:

- Basic indicator approach 844.73

(d) Total and Tier I CRAR of the bank

y Total CRAR of the bank 12.04%

y Tier I CRAR of the bank 9.18%

DF4 CREDIT RISK: GENERAL DISCLOSURES4.1 Credit Risk Management Policy and ProcessesManagement of credit risk in the Bank is governed by Board approved Loan Policy, Credit Risk Management Policy and Recovery Policy. The Bank is exposed to credit risk on account of its lending operations. Credit risk is the risk of loss that may occur from the failure of counterparty to abide by the terms and conditions of any financial contract with the Bank, principally the failure to make required payments. The broad objectives of credit risk management process are to meet the following goals: y Adhere to the guidelines / policies enunciated by RBI and

other regulatory authorities. y Be the preferred bank for Corporate, Government, Small

and Medium Enterprises, Rural/Micro banking, Agriculture and Retail customers.

y Maintain cordial business relationship with all customers by servicing their needs promptly and efficiently.

y Build a diversified good quality asset portfolio through risk based lending and active churning of the portfolio.

y Optimise risk return profile with adequate exit options.The policy covers Corporate, Small and Medium Enterprise, Retail, Rural/Agriculture and Investment related exposures. There is a structured and standardized credit approval process including a comprehensive credit appraisal procedure. In order to assess the credit risk associated with any financing proposal, Bank assesses a variety of risks relating to the borrower and the relevant industry. Bank evaluates the qualitative and quantitative aspects of borrower by considering:

Ekk«kkREkd IkzdVUk

3-2- 31 EkkPkZ] 2013 dks fofHkUUk tksf[ke {ks=ksa ds fy, iwath vko’;drk

Ø- Lka-

tksf[ke {ks=jkf’k

¼djksM+ #- Eksa½

d- _.k tksf[ke gsRkq IkwaTkh vkOk'¸kdRkk

y ekud n`f"Vdks.k ds rgr iksVZQksfy;ks 10,944.60

y izfrHkwfrdj.k ,Dlikst+j 0

[k- CkkTkkj Tkksf[kEk gsRkq IkwaTkh vkOk'¸kdRkk

y ekud vof/k n`f"Vdks.k 581.48

y C;kt nj tksf[ke gsrq 382.11

y fons'kh eqæk fofue; ¼Lo.kZ lfgr½ tksf[ke

2.25

y bfDoVh Ø;&foØ; fLFkfr tksf[ke 197.12

Xk- ifjpkyu tksf[ke gsRkq IkwaTkh vkOk'¸kdRkk

& ewyÒwr lad¢rd –f"Vd¨.k 844.73

?k- dqYk ,Oka CkSad dh Vh¸kj-IILkhvkj,vkj

y cSad dh dqy Lkhvkj,vkj 12.04%

y CkSad dh Vh¸kj A Lkhvkj,vkj 9.18%

Mh,Q&4- _.k tksf[ke% LkkEkkU¸k IkzdVUk

4-1 _.k tksf[ke izca/ku uhfr ,oa izfØ;k

cSad esa _.k tksf[ke dk izca/k eaMy }kjk vuqeksfnr _.k tksf[ke zizca/ku uhfr vkSj olwyh uhfr }kjk fd;k tkrk gSA cSad dks vius _.k ifjpkyuksa esa _.k tksf[ke dk lkeuk djuk iM+rk gSA _.k tksf[ke] cSad ds lkFk fdlh foŸkh; lafonk dh 'krks± vkSj fu;eksa dk ikyu djus esa fdlh Hkh izfri{k ds vlQy gksus ij gksus okyh gkfu dk tksf[ke gS tks fd eq[;r% visf{kr Hkqxrku u djus ds dkj.k gksrk gSA bldk eq[; iz;kstu fuEu mÌs';ksa dh iwÆr gS % y Hkkjrh; fjtoZ cSad rFkk vU; fofu;ked izkf/kdkfj;ksa ds

ekxZfunsZ'kksa@uhfr;ksa dk ikyu y dkjiksjsV] ljdkjh] y?kq ,oa e/;e m|e] xzkeh.k@ekbØks cSaÇdx]

—f"k vkSj fjVsy xzkgdksa dk ilanhnk cSad cuuk y lHkh xzkgdksa dh vko';drkvksa dh iwÆr rRdky ,oa n{krk iwoZd

djds muls lkSgkæZ iw.kZ O;olkf;d laca/k cuk, j[kuk y tksf[ke vk/kkfjr _.k iznku djds vkSj _.k iksVZQksfy;ks dks lfØ;

cukrs gq, fofo/kh—r xq.koŸkk ijd vkfLr iksVZQksfy;ks cukuk y mi;qä fudkl fodYiksa ds lkFk b"Vre tksf[ke ÁfrQy izksQkby

cukuk

bl uhfr esa dkjiksjsV] y?kq ,oa e/;e m|e] fjVsy] xzkeh.k@—f"k vkSj fuos'k laca/kh _.kksa dks 'kkfey fd;k x;k gSA blesa O;kid _.k ewY;kadu izfØ;k ds lkFk ,d lajfpr vkSj ekud _.k vuqeksnu izfØ;k 'kkfey gSA fdlh Hkh foŸkh; izLrko ds lkFk tqM+s _.k tksf[ke dk vkdyu djus ds fy, cSad m/kkjdrkZvksa vkSj lacaf/kr m|ksx ls tqM+s fofHkUUk tksf[keksa dk vkdyu djrk gSA cSad fuEukuqlkj fopkj djds m/kkjdrkZ ds Xkq.kkREkd RkFkk Ekk«kkREkd IkgYkqvksa dk ewY;kadu djrk gS %

45



y The financial position of the borrower by analyzing the financial statements, its past financial performance, its financial flexibility in terms of ability to raise capital and its cash flow adequacy.

y The borrower’s relative market position and operating efficiency

y The quality of management by analysing their track record and conduct of account, etc.

The Bank evaluates industry risk by considering:

y Certain industry characteristics, such as the importance of the industry to the economy, its growth outlook, cyclicality and government policies relating to the industry.

y The competitiveness of the industry and

y Certain industry financials, including return on capital employed, operating margins and earnings stability.

Credit Approval Authorities:The Board of Directors has delegated the authority to the various Credit Committees at Head Office and Regional Office Level as under:

i. Head Office Level Credit Committees: y Management Committee of Board (MCB) headed by

Chairman & Managing Director.

y Credit Approval Committee (CAC) headed by Chairman & Managing Director.

y Head Office Level Credit Committee (HLCC) headed by Executive Director.

ii. Regional Office Level Credit Committees: y Regional Office Level Credit Committee (RLCC) headed

by Regional Head

Apart from above mentioned Credit committees Branch Incumbents at various levels have also been delegated powers for sanction of credit facilities to various segments of borrowers.

The delegation structure has been designed to ensure that transactions with higher exposure and level of risk are delegated to the higher forum/committee for approval.

Following guidelines of Credit Risk Management Policy are being adopted for the purpose of screening of the proposals qualitatively so as to ensure healthy credit portfolio of the Bank

1. Credit Risk Management Department is set up at Head Office and Credit Risk Management Cell at all the Regional Offices of the Bank. The function of Risk Management Department is independent of processing/ appraisal/ sanction of the proposal.

2. Credit Approval Grids for different functionaries at Head Office of the Bank are set up in accordance with the Loan Policy of the Bank. The senior executives of the Bank are members of the Credit Approval Grid.

3. The presence of the members from Risk Management Dept. and Credit Department is mandatory for quorum of the meeting of the Grid.

y m/kkjdrkZ dh foŸkh; foojf.k;ksa] fiNys foŸkh; dk;Zfu"iknu] iwath tqVkus ds fy, bldh foŸkh; {kerk vkSj bldh udn izokg i;kZIÙk dk vkdyu djrs gq, m/kkjdrkZ dh foŸkh; fLFkfr dk ewY;kadu

y m/kkjdrkZ dh lkis{k cktkj fLFkfr vkSj ifjpkyu n{krk

y izca/ku dh xq.koŸkk tks muds fiNys fjdkMZ] [kkrs d¢ lapyu ds fo'ys"k.k vkfn }kjk vkadh tkrh gS A

cSad fuEukuqlkj fopkj djds m|ksx tksf[ke dk ewY;kadu djrk gS %

y dfri; vkS|ksfxd fo'ks"krk,a tSls vFkZO;oLFkk esa ml m|ksx dh egrk] fodkl ds izfr mldk n`f"Vdks.k] pØh;rk vkSj ml m|ksx ds laca/k esa ljdkjh uhfr;ka

y m|ksx dh izfrLi/kkZ Hkkouk vkSj

y dfri; vkS|ksfxd foŸkh; vkadM+s ftlesa fu;ksftr iwath ij izfrQy] ifjpkyu ekÆtu vkSj vk; fLFkjrk 'kkfey gSA

_.k vuqeksnd izkf/kdkjh

fUkns'kd EkaMYk Uks Ikz/kkUk dk¸kkZYk¸k RkFkk Ikzknsf'kd dk¸kkZYk¸k LRkj Ikj fOkfHkUUk _.k LkfEkfRk¸kksa dks fUkEUkkUkqLkkj Ikzkf/kdkj IkzR¸kk¸kksfTkRk fd, gSa%&

i. iz/kkUk dk¸kkZYk¸k LRkjh¸k _.k LkfEkfRk

y v/¸k{k ,Oka IkzCka/k fUkns'kd dh v/¸k{kRkk Eksa EkaMYk dh IkzCka/k LkfEkfRk ¼,EkLkhCkh½

y v/¸k{k ,Oka IkzCka/k fUkns'kd dh v/¸k{kRkk Eksa _.k vUkqEkksnUk LkfEkfRk ¼Lkh,Lkh½

y dk¸kZdkjh fUkns'kd dh v/¸k{kRkk Eksa Ikz/kkUk dk¸kkZYk¸k LRkjh¸k _.k LkfEkfRk ¼,Pk,YkLkhLkh½

ii. Ikzknsf’kd dk¸kkZYk¸k LRkjh¸k _.k LkfEkfRk¸kka

y Ikzknsf’kd v/¸k{k dh v/¸k{kRkk Eksa Ikzknsf'kd dk¸kkZYk¸k LRkjh¸k _.k LkfEkfRk ¼vkj,YkLkhLkh½

mIk¸kqZDRk _.k LkfEkfRk¸kksa d¢ vfRkfjDRk] fOkfHkUUk LRkjksa Ikj 'kk[kk IkzHkkfj¸kksa dks] m/kkjdRkkZvksa dh fOkfHkUUk Jsf.k¸kksa dks _.k LkqfOk/kkvksa dh EkaTkwjh nsUks d¢ vf/kdkj fn, Xk, gSaA

vf/kdkjksa ds izR;k;kstu dk <kapk bl izdkj cuk;k x;k gS ftlls ;g lqfuf'Pkr fd;k tk lds fd mPp ,DLIk¨t+j vkSj tksf[ke&Lrj ds laO;ogkj mPPkRkj eap@lfefr dks vuqeksnu gsrq Hkstk tk,A

izLrkoksa dh xq.koŸkkijd leh{kk djus ds iz;kstu ls funs'kd eaMy }kjk fof/kor~ vuqeksfnr _.k tksf[ke izca/ku uhfr ds fuEufyf[kr ekxZfunsZ'k viuk, tk jgs gSa rkfd cSad ds _.k iksVZQksfy;ks dks lqn`<+ cuk;k tk lds %

1- cSad ds iz/kku dk;kZy; esa _.k tksf[ke izca/ku foHkkx vkSj lHkh izknsf'kd dk;kZy;ksa esa _.k tksf[ke izca/ku d{k LFkkfir fd, x, gSaA tksf[ke izca/ku foHkkx dk dk;Z] _.k izLrko dh izkslsÇlx@ewY;kadu@eatwjh ls fHkUUk gSA

2- cSad ds iz/kku dk;kZy; ds fofHkUUk inkf/kdkfj;ksa ds fy, cSad dh _.k uhfr ds vuq#i _.k vuqeksnu fxzM cuk, x, gSaA cSad ds ofj"B dk;Zikyd] _.k vuqeksnu fxzM ds lnL; gSaA

3- fxzM dh cSBd dh x.kiwÆr ds fy, tksf[ke izcU/ku foHkkx vkSj _.k foHkkx ds lnL;ksa dh mifLFkfr vko’;d gSA

46



4. The Bank has a policy for undertaking Credit Risk Rating of all borrowers except the following :

y Staff Loans.

y Advance against Term Deposits, Govt. Securities, Postal Securities etc

y Govt. Sponsored Schemes.

y Negotiation of Inland Bills under L/C of reputed banks.

y Advance to State/ Central Govt.

y Finance to Central/ State Govt. Departments/ Undertakings / Establishments which do not run on commercial basis viz. Mandi Boards, Improvement Trusts, Municipal Corporations and Universities etc.

The objective of this framework is to ensure healthy credit portfolio of the Bank by following the set principles of Risk Management. The analysis of the composition of the credit portfolio (Rating wise/Industry wise) is placed to the Supervisory Committee of Directors on Risk Management (SCDRM) along with the migration of rating of borrowers.

Bank complies with the exposure norms stipulated by RBI for both single borrower as well as borrower group at the consolidated level. Limits have been set up as a percentage of the Bank's consolidated capital funds/ aggregate advances and are regularly monitored. Bank has also stipulated internal limits on exposure (including substantial exposure) to industries, sensitive sectors and on the borrowers based on their constitution.

Loans Past Due and Impaired: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. The Bank classifies its advances into performing and non-performing loans (NPL) in accordance with the extant RBI guidelines.NPA is defined as a loan or an advance where:

i. Interest and/ or instalment of principal remains overdue for more than 90 days in respect of a term loan. 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;

ii. The account remains ‘out of order’ in respect of an overdraft/ cash credit (OD/CC) facility continuously for 90 days. An account is treated as ‘out of order’ if:

y The outstanding balance remains continuously in excess of the sanctioned limit/drawing power

y Where the outstanding balance in the principal operating account is less than the sanctioned limit/ drawing power, but there are no credits continuously for 90 days as on the date of the balance sheet or, credits in the account are not enough to cover the interest debited during the accounting period

y Drawings have been permitted in the account for a continuous period of 90 days based on drawing power computed on the basis of stock statements that are more than three months old even though the unit may be working or the borrower’s financial position is satisfactory.

4- cSad esa fUkEUkfYkf[kRk d¢ vYkkOkk LkHkh m/kkjdRkkZvksa dh _.k t¨f[ke jsÇVx djus dh uhfr gS%

y LVkQ _.k y Ekh¸kknh TkEkk] Lkjdkjh IkzfRkHkwfRk¸kka] Mkd IkzfRkHkwfRk¸kksa bR¸kkfn dh

TkEkkUkRk Ikj vfXkzEk y Lkjdkj }kjk Ikzk¸kksfTkRk ¸kksTkUkk,a y IkzfRkf"BRk CkSadksa d¢ Lkk[k Ik«kksa d¢ vaRkXkZRk ns'kh fCkYkksa dk IkjØkEk.k y jkT¸k@ d¢Unz Lkjdkj dks vfXkzEk y d¢Unz@jkT¸k Lkjdkj d¢ fOkHkkXkksa] mIkØEkksa @ LkaXkBUkksa dks fOkÙk Tkks

Okkf.kfT¸kd vk/kkj Ikj Ukgha PkYkk, TkkRks TkSLks EkaMh CkksMZ] Lkq/kkj VªLV] UkXkj fUkXkEk RkFkk fOk'OkfOk|kYk¸k bR¸kkfnA

bl <kaps dk mÌs'; tksf[ke izca/ku ds fu/kkZfjr ekunaMksa dk ikyu djrs gq, cSad ds _.k iksVZQksfy;ks dks lqn`<+ cukuk gSA _.k iksVZQksfy;ks dh lajpuk dk fo'ys"k.k ¼ewY;kadu okj@m|ksxokj½ _.kdrkZvksa ds ewY;kadu esa gq, ifjorZu LkfgRk Nekgh vk/kkj ij tksf[ke izcU/ku ij funs'kdksa dh i;Zos{kh lfefr] ds le{k j[kk tkrk gSA

cSad Hkkjrh; fjtoZ cSad }kjk ,dy m/kkjdrkZ vkSj m/kkjdrkZ lewg nksuksa ds fy, lesfdr Lrj ij fu/kkZfjr ,Dlikstj laca/kh ekunaMksa dk ikyu djrk gS A tksf[ke izca/ku foHkkx }kjk cSad dh lesfdr iwath fuf/k;ksa@dqy vfxze¨a ds izfr'kr ds :i esa lhek,a fu/kkZfjr dh xbZ gSa vkSj bUgsa fu;fer vk/kkj ij ekuhVj fd;k tkrk gSA cSad us m|ksxksa] laosnu'khy {ks=ksa vkSj m/kkjdrkZvksa ds xBu ds vk/kkj ij muds fy, vkarfjd :i ls fofHkUUk ,Dlikstj lhek,a fu/kkZfjr dh gSa ¼i;kZIr ,Dlikstj lfgr½A

fIkNYkk ns¸k RkFkk {kfRkXkzLRk _.k

fdLkh Hkh _.k LkqfOk/kk d¢ vaRkXkZRk CkSad dks ns¸k dksbZ jkf'k RkCk vfRkns¸k gksRkh gS] ¸kfn bLks CkSad }kjk fUk¸kRk dh XkbZ Rkkjh[k dks vnk Ukgha fd¸kk TkkRkkA cSad vius vfxzeksa dk oxhZdj.k Hkkjrh; fjtoZ cSad ds orZeku ekxZfunsZ'kksa ds vuq:i fu"iknd vkSj xSj&fu"iknd _.kksa esa djrk gSA xSj&fu"iknd vkfLr ,sls _.k vFkok vfxzeksa ds :i esa ifjHkkf"kr gS tgka%

i. eh;knh _.k ds laca/k esa C;kt vkSj@vFkok ewy/ku dh fdLr 90 fnu ls vf/kd vof/k ds fy, vfrns; cuh jgrh gSA fdlh Hkh _.k lqfo/kk ds varxZr cSad dks ns; dksbZ jkf'k ^vfrns;* rc gksxh ;fn ;g jkf'k cSad }kjk fUk¸kRk dh XkbZ rkjh[k dks vnk u dh xbZ gksA

ii. vksojMªk¶V@udn m/kkj ¼vksMh@lhlh½ LkqfOk/kk ds laca/k esa [kkrk yxkrkj 90 fnuksa rd *vfu;fer* cuk jgrk gSA [kkrs dks ^vfu;fer* ekuk tk,xk ;fn %

y cdk;k 'ks"k jkf'k Loh—r [email protected] vf/kdkj ls yxkrkj vf/kd jgsA

y ftu ekeyksa esa eq[; ifjpkyu [kkrs esa cdk;k 'ks"k Loh—r lhek@ vkgj.k vf/kdkj ls de gks fdUrq rqyu&i= dh rkjh[k dks] yxkrkj 90 fnu rd dksbZ jkf'k tek u dh xbZ gks vFkok tek dh xbZ jkf'k ys[kkadu vof/k ds nkSjku MsfcV fd, x, C;kt dh jkf'k dks iwjk djus ds fy, i;kZIr u gksA

y [kkrs esa vkgj.k dh vuqefr yxkrkj 90 fnuksa dh vof/k ds fy, ,slh LVkWd foojf.k;ksa ds vk/kkj ij ifjdfyr vkgj.k vf/kdkj ds vuqlkj dh xbZ gks tks 3 ekg ls vf/kd iqjkuh gks pkgs ;wfuV dk;Z dj jgh gks vFkok m/kkjdrkZ dh foŸkh; fLFkfr larks"ktud gksA

47



y The regular/ad-hoc credit limits have not been reviewed/ renewed within 180 days from the due date/ date of ad hoc sanction.

iii. A bill purchased/discounted by the Bank remains overdue for a period of more than 90 days.

iv. Interest and/or instalment of principal in respect of an agricultural loan remain overdue for two crop seasons for short duration crops and one crop season for long duration crops.

Further, NPAs are classified into Sub-Standard, Doubtful and Loss assets based on the criteria stipulated by RBI. A Sub-Standard asset is one, which has remained NPA for a period less than or equal to 12 months. An asset is classified as Doubtful if it has remained in the Sub-Standard category for more than 12 months. A Loss asset is one where loss has been identified by the Bank or its internal or external auditors or during RBI inspection but the amount has not been written off fully.

4.2 Gross Credit Risk Exposure and Other Assets as on March 31, 2013

(` in crore)

Category Fund-based facilities

Non-fund based facilities Total

Total Gross Credit Risk Exposure 188691.28 84756.04 273447.32

4.3 Geographic Distribution of Credit Exposures as on March 31, 2013

(` in crore)

Particulars Fund-based Non-fund based Total

Domestic 130186.17 35227.20 165413.37

Overseas Nil Nil Nil

Total 130186.17 35227.20 165413.37

4.4 Industry-Wise Distribution of Exposures as on March 31, 2013

(` in crore)

S. N. INDUSTRY Fund Based Outstanding

Non Fund Based

OutstandingTotal

1Mining and Quarrying (Inc. Coal)

653.22 638.39 1291.61

2 Food Processing 3304.56 398.30 3702.86

2.1 of which sugar 1341.02 189.99 1531.01

2.2 of which edible oil & vanaspati 188.99 28.17 217.16

2.3 of which tea 0.48 0.00 0.48

2.4 others 1774.07 180.14 1954.21

3Beverages (Exc. Tea & Coffee) and Tobacco

560.23 0.00 560.23

y fu;fer@rnFkZ _.k lhekvksa dh leh{[email protected] ns; frfFk@rnFkZ eatwjh dh frfFk ds 180 fnuksa ds Hkhrj u fd;k x;k gks A

iii. cSad }kjk [kjhns x, vkSj Hkquk, x, fcyksa ds ekeys esa fcy 90 fnu ls vf/kd vof/k ds fy, vfrns; jgk gks A

iv. —f"k _.k ds laca/k esa C;kt vkSj @vFkok ewy/ku dh fdLr] NksVh vof/k dh Qlyksa ds fy, nks Qly ekSle vkSj yEch vof/k dh Qlyksa ds fy, ,d Qly ekSle rd vfrns; jgs A

blds vfrfjä] xSj fu"iknudkjh vkfLr;ksa dk oxhZdj.k Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr ekun.Mksa ds vk/kkj ij voLrjh;] lafnX/k vkSj ?kkVs okyh vkfLr;ksa ds :i esa fd;k tkrk gSA voLrjh; vkfLr og gS, tks 12 ekg ls de vFkok blds cjkcj vof/k ds fy, xSj fu"iknudkjh vkfLr jgh gksA fdlh vkfLr dks lafnX/k ds :i esa rc oxhZ—r fd;k tkrk gS] ;fn og 12 ekg ds fy, voLrjh; Js.kh esa jgh gks A ?kkVs okyh vkfLr og gS] tgka ?kkVs dk irk] cSad vFkok blds vkarfjd ;k cká ys[kkijh{kdksa dks vFkok Hkkjrh; fjtoZ cSad ds fujh{k.k ds nkSjku yxk gks ijarq jkf'k iwjh rjg ls cV~Vs [kkrs ugha Mkyh xbZ gks A

4-2- 31 ekpZ] 2013 dks ldy _.k tksf[ke ,Dlikstj rFkk vU; vkfLRk;ka

¼djksM+ #0 esa½

Js.khfUkf/k vk/kkfjRk

LkqfOk/kkXkSj fUkf/k

vk/kkfjRk LkqfOk/kkdqYk

dqYk ldy _.k tksf[ke ,Dlikstj

188691.28 84756.04 273447.32

4-3- 31 ekpZ] 2013 dks _.k ,Dlikstj dk HkkSXkksfYkd LkafOkRkj.k

¼djksM+ #0 esa½

fOkOkj.k fUkf/k vk/kkfjRk XkSj fUkf/k vk/kkfjRk

dqYk

ns'kh 130186.17 35227.20 165413.37

fOkns'kh 'kwU¸k 'kwU¸k 'kwU¸k

dqYk 130186.17 35227.20 165413.37

4-4- 31 ekpZ] 2013 dks ,DLkIkksTk+j dk m|ksxokj laforj.k

¼djksM+ #0 esa½

Ø-Lka- m|¨x fuf/k vk/kkfjr cdk;k

xSj fuf/k

vk/kkfjr cdk;kdqYk

1 [kUkUk ,Oka mR[kUkUk ¼d¨;yk LkfgRk½

653.22 638.39 1291.61

2 [kk| LkaLkk/kUk 3304.56 398.30 3702.86

2.1 ftlesa ls phuh 1341.02 189.99 1531.01

2.2 ftlesa ls [kk| rsy o ouLifr

188.99 28.17 217.16

2.3 ftlesa ls pk; 0.48 0.00 0.48

2.4 vU; 1774.07 180.14 1954.21

3Ekknd Iks¸k IknkFkZ ¼Pkk¸k ,oa dkWQh dks NksM+dj½ RkFkk RkECkkdw

560.23 0.00 560.23

48



S. N. INDUSTRY Fund Based Outstanding

Non Fund Based

OutstandingTotal

4 Textiles 6739.57 749.22 7488.79

4.1 of which Cotton Textiles 2767.57 197.35 2964.92

4.2 of which Jute Textiles 18.35 1.59 19.94

4.3 others 3953.65 550.27 4503.92

5 Leather & Leath-er products 206.96 12.45 219.41

6 Wood & wood products 409.54 237.02 646.56

7 Paper and Paper Products 1396.60 214.12 1610.72

8

Petroleum (non-infra), Coal Products (non-mining) and Nuclear Fuels

114.45 8.48 122.93

9

Chemicals and Chemical Products (Dyes, Paints, etc.)

1446.76 450.02 1896.78

10Rubber, Plastic and their Products

213.30 58.92 272.22

11 Glass and Glassware 341.70 76.16 417.86

12Cement and Cement Products

523.82 350.35 874.17

13 Basic Metal and Metal products 10072.63 2774.84 12847.47

13.1 of which iron & steel 8180.74 2241.03 10421.77

13.2.of which other metal & metal products

1891.89 533.81 2425.70

14 All Engineering 2372.55 1619.86 3992.41

15

Vehicles, Vehicle Parts and Transport Equipments

1528.67 869.44 2398.11

16 Gems and Jew-ellery 295.69 239.33 535.02

17 Construction 1584.92 3139.21 4724.13

18 Infrastructure 24246.18 1930.00 26176.18

19 NBFCs 9903.00 74.10 9977.1

20 Other Industries 3418.36 3199.17 6617.53

21 Residuary Other Advances 60853.46 18187.82 79041.28

G.Total 130186.17 35227.20 165413.37

Ø-Lka- m|¨x fuf/k vk/kkfjr cdk;k

xSj fuf/k

vk/kkfjr cdk;kdqYk

4 OkL«k 6739.57 749.22 7488.79

4.1 ftlesa ls lwrh oL=

2767.57 197.35 2964.92

4.2 ftlesa ls twV oL«k

18.35 1.59 19.94

4.3 vU; 3953.65 550.27 4503.92

5 PkEkM+k RkFkk PkEkM+k mRIkkn

206.96 12.45 219.41

6 YkdM+h RkFkk YkdM+h mRIkkn

409.54 237.02 646.56

7 dkXkTk RkFkk dkXkTk mRIkkn

1396.60 214.12 1610.72

8

isVªksfy;e ¼XkSj bUÝk½] dks¸kYkk mRIkkn ¼XkSj&[kUkUk½ RkFkk U¸kwfDYk¸kj b±/kUk

114.45 8.48 122.93

9jLkk¸kUk RkFkk jLkk¸kUk mRIkkn ¼MkbZ] IksaV vkfn½

1446.76 450.02 1896.78

10jCkM+] IYkkfLVd RkFkk bUkd¢ mRIkkn

213.30 58.92 272.22

11 dkaPk RkFkk dkaPk dh OkLRkq,a

341.70 76.16 417.86

12 LkhEksaV RkFkk LkhEksaV mRIkkn

523.82 350.35 874.17

13 EkwYk /kkRkq RkFkk /kkRkq mRIkkn

10072.63 2774.84 12847.47

13.1 ftlesa ls yksgs ,oa bLikr

8180.74 2241.03 10421.77

13.2.ftlesa ls vU;/kkrq o /kkrq mRikn

1891.89 533.81 2425.70

14 LkHkh baTkhfUk¸kfjaXk 2372.55 1619.86 3992.41

15OkkgUk] OkkgUk IkqTksZ RkFkk IkfjOkgUk mIkdj.k

1528.67 869.44 2398.11

16 jRUk vkSj vkHkw"k.k 295.69 239.33 535.02

17 fofUkEkkZ.k 1584.92 3139.21 4724.13

18 cqfu;knh lajpuk 24246.18 1930.00 26176.18

19 xSj cSaÇdx foŸk daifu;ka

9903.00 74.10 9977.1

20 vU; m|¨x 3418.36 3199.17 6617.53

21 vof'k"V vU; vfxze

60853.46 18187.82 79041.28

dqy tksM+ 130186.17 35227.20 165413.37

49



4.5. Industry Where Exposure Is More Than 5% Of Gross Credit Risk Exposure as on March 31, 2013

(` in crore)

S. N.

INDUSTRY Fund Based Outstand-

ing

Non Fund Based Out-

standing

Total

Infrastructure 24246.18 1930.00 26176.18

4.6. Residual Contractual Maturity Break-Down of AssetsThe maturity pattern of assets as on 31st March 2013 is detailed in the table below.

(` in crore)

Maturity Buckets Gross Advances

Gross Investments

Foreign cur-rency Assets

Next day 5106.34 1635.00 12204.07

2 – 7 days 1670.12 776.91 1290.83

8 -14 days 2068.00 25.12 6.42

15-28 days 6217.60 0.00 1201.42

29 days-3 months 11828.80 2940.01 11555.14

>3 months – 6months 9203.51 823.79 6066.25

>6months-1 Yr 7976.74 886.30 6143.59

>1 Yr-3Yrs 24559.20 7318.01 225.11

>3Yr-5Yrs 18131.69 8426.81 0.00

>5Yrs 43424.18 35887.25 0.00

Total 130186.17 58719.20 38692.83

4.7 Non-Performing Assets as on Mar 31, 2013

S.N. Particulars Amount ` in Crore

(a) Gross NPAs 4183.96

Sub- standard 2458.60

Doubtful 1704.42

Doubtful-1 1220.63

Doubtful-2 364.96

Doubtful-3 118.83

Loss 20.94

(b) Net NPAs 2902.66

(c) NPA Ratios

Gross NPAs to gross advances 3.21%

4-5- m|ksXk fTkUkEksa 31 EkkPkZ] 2013 dks ,DLkIkksTk+j] dqYk _.k Tkksf[kEk d¢ 5% Lks vf/kd gS

¼djksM+ #0 esa½

Ø- Lka-

m|ksXkfUkf/k vk/kkfjRk

Ckdk¸kkXkSj fUkf/k vk/kkfjRk

Ckdk¸kkdqYk

CkqfUk¸kknh LkajPkUkk

24246.18 1930.00 26176.18

4-6- vkfLr;ksa dk vof’k”V lafonkijd ifjiDork laca/kh fooj.k31 ekpZ] 2013 dh fLFkfr ds vuqlkj vkfLr;ksa dk ifjiDork <kapk uhps lkj.kh esa fn;k x;k gS

¼djksM+ #0 esa½

ifjiDork cdsV dqy vfxze dqy fuos'k fons’kh eqæk vkfLr;ka

vxys fnu 5106.34 1635.00 12204.07

2-7 fnu 1670.12 776.91 1290.83

8-14 fnu 2068.00 25.12 6.42

15-28 fnu 6217.60 0.00 1201.42

29 fnu - 3 ekg 11828.80 2940.01 11555.14

> 3 ekg - 6 ekg 9203.51 823.79 6066.25

> 6 ekg - 1 o"kZ 7976.74 886.30 6143.59

> 1 o"kZ - 3 o"kZ 24559.20 7318.01 225.11

> 3 o"kZ - 5 o"kZ 18131.69 8426.81 0.00

> 5 o"kZ 43424.18 35887.25 0.00

dqy 130186.17 58719.20 38692.83

4-7- 31 ekpZ] 2013 d¨ xSj fu”iknudkjh vkfLRk;ka

Ø- Lka- fOkOkj.k jkf’k djksM+

#- Eksad- dqYk ,UkIkh, 4183.96

vOkLRkjh¸k 2458.60

LkafnX/k 1704.42

LkafnX/k&1 1220.63

LkafnX/k&2 364.96

LkafnX/k&3 118.83

gkfUk 20.94

[k- fUkOkYk ,UkIkh, 2902.66

Xk- ,UkIkh, vUkqIkkRk

dqYk vfXkzEkksa Eksa dqYk ,UkIkh, 3.21%

50



S.N. Particulars Amount ` in Crore

Net NPAs to net advances 2.27%

(d) Movement of NPAs (Gross)

Opening balance 3580.49

Additions 3213.30

Reductions 2609.83

Closing balance 4183.96

(e) Movement of provisions for NPAs


Provisions made during the period 1581.63

Write-off 1416.26

Write-back of excess provisions 0


(f) Amount of Non-Performing Investments 14.19

(g) Amount of provisions held for non-perform-ing investments 4.50

(h) Movement of provisions for depreciation on investments


Provisions made during the period -

Write Off/ Write back of excess provision 194.35


DF5 CREDIT RISK: PORTFOLIOS SUBJECT TO THE STANDARDISED APPROACH

QUALITATIVE DISCLOSURES5.1 External RatingsBasel II guidelines require banks to use ratings assigned by specified External Credit Assessment Agencies (ECAIs) namely CRISIL, CARE, ICRA, India Rating, Brickworks and SMERA for domestic counterparties and Standard & Poor’s, Moody’s and Fitch for foreign counterparties. The Credit Risk Management Policy prescribes for utilisation of RBI approved ECAIs. The rating is used for both fund based and Non-fund based exposure.The ratings assigned by approved Rating Agencies ratings are used for various types of exposures as follows:(i) For Exposure with a contract maturity of less than or equal

to one year (except Cash Credit, Overdraft and other Revolving Credits) , Short -Term Rating given by ECAIs will be applicable.

(ii) For Domestic Cash Credit, Overdrafts and other Revolving Credits (irrespective of the period) and/ or Term Loan exposures of over one year, Long Term Rating will be applicable.

Ø- Lka- fOkOkj.k jkf’k djksM+

#- EksafUkOkYk vfXkzEkksa Eksa fUkOkYk ,UkIkh, 2.27%

?k- ,UkIkh, dk mRkkj&Pk<+kOk ¼dqYk½

vFk'ks"k 3580.49

TkksM+s Xk, ,UkIkh, 3213.30

dEkh 2609.83

bfRk'ks"k 4183.96

M- ,UkIkh, gsRkq IkzkOk/kkUk Eksa mRkkj&Pk<+kOk

vFk'ks"k 1112.67

vOkf/k d¢ nkSjkUk fd, Xk, IkzkOk/kkUk 1581.63

CkÍs [kkRks MkYks Xk, 1416.26

vfRkfjDRk IkzkOk/kkUkksa dk IkqUkjkadUk 0

bfRk'ks"k 1278.04

Pk- XkSj fUk"IkknUkdkjh fUkOks'kksa dh jkf'k 14.19

N-XkSj fUk"IkknUkdkjh fUkOks'kksa d¢ fYk, fd, Xk, IkzkOk/kkUkksa dh jkf'k

4.50

Ök-fUkOks'kksa Ikj EkwY¸kgzkLk gsRkq IkzkOk/kkUkksa Eksa mRkkj&Pk<+kOkvFk'ks"k 358.89

vOkf/k d¢ nkSjkUk fd, Xk, IkzkOk/kkUk -

CkÍs [kkRks @ vfRkfjDRk IkzkOk/kkUkksa dk IkqUkjkadUk 194.35

bfRk'ks"k 164.54

Mh,Q&5- _.k tksf[ke % ekudh—r n`f”Vdks.k ds v/;/khu lafoHkkx

xq.kkREkd IkzdVUk

5-1- cká ewY;kaducklsy&II ekxZfunsZ'kksa esa cSadksa ls ;g vis{kk gS fd os fofuÆn"V cká _.k ewY;kadu ,tsfUl;ksa ¼bZlh,vkbZ½ vFkkZr~ ?kjsyw izfri{kksa gsrq fØfly] ds;j] vkbZlhvkj] bafM¸kk jsfVaXk fCkzd OkDLkZ RkFkk SMERA rFkk fons'kh izfri{kksa ds fy, LVS.MMZ ,.M iqvlZ] ewMht ,.M fQp }kjk fn, x, ewY;kadu dk iz;ksx djsaA _.k t¨f[ke Áca/ku uhfr esa fu/kkZfjr gS fd Hkkjrh; fjtoZ cSad }kjk vuqeksfnr cká _.k ewY;kadu ,tsfUl;ksa dk mi;ksx fd;k tk,A ;g ewY;kadu fuf/k vk/kkfjr vkSj xSj fuf/k vk/kkfjr nksuksa izdkj ds ,Dli¨t+j ds fy, fd;k tkrk gS A vUkqEkksfnRk ewY;kadu ,tsfUl;ksa ds ewY;kaduksa dk iz;ksx fofHkUUk izdkj ds ,Dli¨t+j gsrq fuEukuqlkj fd;k tkrk gS %

(i) ,d o"kZ ls de ;k mlds cjkcj lafonkxr ifjiDork okys ,Dli¨t+j gsrq ¼udn&m/kkj] vksoj Mªk¶V vkSj ifjØkeh lk[k d¢ vfrfjä½] cká _.k ewY;kadu ,tsfUl;ksa }kjk fd;k x;k vYikof/k ewY;kadu ykxw gksxkA

(ii) ?kjsyw udn&m/kkj] vksoj Mªk¶V vkSj vU; ifjØkeh lk[kksa ¼vof/k dqN Hkh gks½ vkSj@;k ,d o"kZ ls vf/kd eh;knh _.k gsrq nh?kkZof/k ewY;kadu ykxw gksxkA

51



(iii) For Overseas exposures, irrespective of the contractual maturity, Long Term Rating given by International Rating Agencies will be applicable.

(iv) Rating assigned to specific entity within a corporate group cannot be used to risk weight the other entities within the same group.

The ratings available in public domain are mapped according to mapping process as envisaged in RBI guidelines on the subject.Bank uses external ratings for the purposes of computing the risk weights as per the new capital adequacy framework. Bank also rates its clients internally using an internal rating model developed with the assistance of specialised agency acting as Bank's consultants.

QUANTITATIVE DISCLOSURES5.2 Credit Exposures by Risk WeightsThe table below discloses the amount of the Bank’s Total Gross outstanding for credit exposures (including Investments and Non Fund outstanding) in three major risk buckets:

` in Crore

Exposure Category Amount outstanding

Less than 100% risk weight 173023.49

100% risk weight 68735.04

More than 100% risk weight 30410.75

Deducted 0.00

Total 272169.28

y Includes credit exposures and excludes investment & derivative exposures covered in market risk.

DF6. CREDIT RISK MITIGATION: STANDARDISED APPROACH

QUALITATIVE DISCLOSURES6.1. Policies and Processes for, and an indication of

the extent to which the Bank makes use of, on and off- balance sheet netting:

Bank off-set the on-balance sheet exposure of the borrower as the Credit Risk Mitigation (CRM) technique as the right of set off is with the Bank. The loan documents obtained by the Bank from its borrowers carry a clause that the Bank shall have a lien, charge and right to set-off, adjust/ realize on all securities and all moneys belonging to the borrower/ guarantor, as the case may be, standing to their credit in any of the account with the Bank and the Bank shall have all rights, power and authority to adjust/ liquidate the dues in the loan accounts from the amount of the securities so realized and out of the proceeds recovered from the accounts of borrower/ guarantor as mentioned above.

6.2 Policies And Processes For Collateral Valuation And Management

Bank has Board approved policy on Credit Risk Mitigation (CRM) Techniques & Collateral Management, having detailed

(iii) fons'kksa esa ,Dli¨t+j gsrq] lafonkxr ifjiDork dqN Hkh gks] varjjk"Vªh; ewY;kadu ,tsfUl;ksa }kjk fd;k x;k nh?kkZof/k ewY;kadu ykxw gksxkA

(iv) ,d dkjiksjsV lewg ds Hkhrj fdlh laLFkk fo'ks"k dks fn, x, ewY;kadu dk iz;ksx mlh lewg ds Hkhrj vU; laLFkkvksa ds tksf[ke Hkkj ds fy, ugha fd;k tk ldrkA

IkfCYkd MksEksUk Eksa mIkYkC/k jsfVaXk dk EkkIkUk] bLk LkaCka/k Eksa HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'kksa Eksa CkRkkbZ XkbZ EkkIkUk IkzfØ¸kk d¢ vUkqLkkj fd¸kk TkkRkk gSA cSad u, iwath i;kZIÙk <kaps ds vuqlkj tksf[ke Hkkj dh x.kuk djus ds fy, cká ewY;kaduksa dk iz;ksx djrk gSA cSad ds ijke'kZnkrkvksa ds :i esa dk;Z djus okyh fo'ks"kh—r ,tsUlh dh lgk;rk ls fOkdfLkRk vkaRkfjd EkwY¸kkadUk EkkWMYk dk Ikz¸kksXk djd¢ cSad vius xzkgdksa dk vkaRkfjd ewY;kadu Hkh djRkk gS A

Ekk«kkREkd IkzdVUk

5-2- tksf[ke Hkkj }kjk _.k ,Dli¨t+juhps nh xbZ lkj.kh esa rhu izeq[k tksf[ke Jsf.k;ä esa _.k ,Dli¨t+j gsrq ¼fuos'k o xSj&fuf/k cdk;k jkf'k lfgr½ cSad dh dqy ldy cdk;k jkf'k nh xbZ gS %

djksM+ #0 esa

,Dli¨t+j Js.kh cdk;k jkf’k

100% ls de tksf[ke Hkkj 173023.49

100% tksf[ke Hkkj 68735.04

100% ls vf/kd tksf[ke Hkkj 30410.75

dVkSrh dh xbZ 0.00

dqy 272169.28

y blesa _.k ,Dli¨t+j 'kkfey gSa vkSj fuos'k o MsfjosfVo ,Dli¨t+j 'kkfey ugha gS, tks cktkj tksf[ke esa 'kkfey fd, x, gSa A

Mh,Q&6- _.k tksf[ke de djuk & EkkUkdhÑr –f”Vdks.k

Xkq.kkREkd IkzdVUk

6-1- uhfr;ka ,oe~~ i)fr;ka] ftuls irk pyrk gS fd cSad rqyu i«k dh rFkk rqyu i«k ls brj enä dk lek;¨tu ¼usÇVx½ dk mi;¨x fdl lhek rd djs %

cSad rqyu i«k dh enä dk lek;¨tu ]mlh _.kh d¢ fy, _.k t¨f[ke d¨ de djus dh rduhd d¢ :i esa djrk gS] pwafd cSad d¨ leatu dk vf/kdkj gSA cSad }kjk bld¢ m/kkjdrkZvä ls fy, tkus okys _.k nLRkkost esa ;g [kaM g¨rk gS fd cSad dk m/kkjdrkZ@ xkjaVhnkrk ]tSlk Òh ekeyk g¨] dh lÒh ÁfrÒwfr;ä ij xzg.kkf/kkdj] ÁÒkj o leatu dk vf/kdkj g¨xk rFkk cSad esa mld¢ fdlh Òh [kkrs esa tek mlls lacaf/kr lÒh jkf'k;ä d¨ lek;¨ftr@olwy djus dk vf/kdkj g¨xk rFkk cSad d¨ ÁfrÒwfr;ä ls olwy dh xbZ jkf'k v©j mi;qZäkuqlkj m/kkjdrkZ@xkjaVhnkrk d¢ [kkrä ls olwy dh xbZ jkf'k esa ls _.k [kkrs esa ns; jkf'k d¨ lek;¨ftr@ifjlekIr djus dk vf/kdkj g¨xkA

6-2- laikÆ’od ewY;kadu vkSj izca/ku d¢ fYk, uhfr ,Oka IkzfØ¸kk

cSad esa e.My }kjk vuqe¨fnr _.k tksf[ke U;wuhdj.k rduhd vkSj laikf'OkZd izca/ku uhfr gS] ftlesa lEIkkf'OkZd dk p;u] lEIkkf'OkZd d¢

52



guidelines on selection of collaterals, risk in collaterals, valuation and inspection of collaterals, eligible financial collaterals, guarantees and RBI stipulated haircuts. Bank defines collateral as the assets or rights provided to the Bank by the borrower or a third party in order to secure a credit facility. Bank shall have the rights of secured creditor in respect of the assets/ contracts offered as security for the obligations of the borrower/ obligor.Collateral valuation and management: As stipulated by the RBI guidelines, Bank uses the comprehensive approach for collateral valuation. Under this approach, Bank reduces the credit exposure to counterparty when calculating the capital requirements to the extent of risk mitigation provided by the eligible financial collateral as specified in the Basel II guidelines. In line with Basel II guidelines, Bank adjusts the value of any collateral received for possible future fluctuations in the value of the collateral. These adjustments, referred as ‘haircuts’, produce volatility-adjusted amounts for collateral, and are reduced from the exposure to compute the capital charge based on the applicable risk weights.For Retail Products, security to be taken is defined in the respective policy of the specific products. Housing loans and other retail loans are secured by the security of the property/ asset being financed. The valuation of the properties is carried out by an approved valuation agency. Bank also offers products, which are primarily based on collateral such as shares, specified securities, warehouse commodities and gold jewellery. These products are offered in line with the approved schemes, which also deal with types of collateral, valuation and margin. Bank extends unsecured facilities to high rated clients and for certain products such as derivatives, personal loans etc. The limit structure with respect to unsecured facilities has been approved by the Board of Directors.The decision on the type and quantum of collateral for each transaction is undertaken by the credit approval authority as per the Board approved credit approving authorisaton. For facilities provided as per approved product policies (retail products, loan against shares etc.), collateral is taken in line with the policy.

6.3 Description of the main types of Collateral taken by the Bank

Bank obtains various types of securities (which may also be termed as collaterals) to secure the exposures (Fund based as well as Non-Fund based) on its borrowers. Bank has adopted reduction of exposure in respect of certain credit risk mitigant, as per RBI guidelines. Wherever guarantee is available as credit risk mitigant, the credit risk remains with the guarantor to the extent of guarantee available. Generally following types of securities (whether as primary securities or collateral securities) are taken:1. Moveable assets like stocks, moveable machinery etc.2. Immoveable assets like land, building, plant & machinery.3. Shares as per approved list4. Bank’s own deposits5. NSCs, KVPs, LIC policies, Securities issued by Central &

State Governments etc.

t¨f[ke] lEIkkf'OkZd dk ewY;kadu o fujh{k.k] ik«k foŸkh; lEIkkf'OkZd]xkjaVh v©j Òkjrh; fjt+oZ cSad }kjk fofufnZ"V ekftZu fn, x, gSaA

cSad }kjk lEIkkf'OkZd dh ifjÒk"kk _.k lqfo/kk dh izfrHkwfr ds fy, _.kh vFkok vU; i{k }kjk cSad dks nh xbZ vkfLr;ksa ;k vf/kdkjksa ds :i esa nh xbZ gSA _.kh@ck/;rk/kkjh ds nkf;Roksa gsrq izfrHkwfr ds :i esa nh xbZ vkfLr;ksa@lafonkvksa ds laca/k esa cSad d¨ ÁfrÒwr ysunkj ds vf/kdkj gksaxsA laikÆ’od ewY;kadu vkSj izca/ku% Hkkjrh; fjtoZ cSad ds ekxZfunsZ'kksa d¢ vuqlkj] cSad laikÆ'od izfrHkwfr ds ewY;kadu d¢ fy, O;kid n`f"Vdks.k viukrk gSA bl n`f"Vdks.k ds varxZr] cSad cklsy-II ekxZfunsZ'kksa esa ;FkkfofuÆn"V] iwathxr vko';drkvksa dh x.kuk djrs le; ik= foŸkh; laikÆ'od izfrHkwfr;ksa }kjk de fd, x, tksf[ke dh lhek rd izfri{k dks nh tkus okyh _.k jkf'k de dj nsrk gS A cklsy-II ekxZfunsZ'kksa ds vuqlkj] cSad laikÆ'od izfrHkwfr ds ewY; esa Hkfo"; esa laHkkfor mrkj-p<+ko dks lek;ksftr djus ds fy, izkIr gqbZ fdlh laikÆ'od] izfrHkwfr ds ewY; dk LkEkk¸kksTkUk djrk gSA ;s lek;kstu] ftUgsa ekÆtu Hkh dgk x;k gS] laikÆ'od izfrHkwfr gsrq vfLFkjrk&lek;ksftr jkf'k fudkyRks gSa vkSj ykxw tksf[ke Hkkjksa ij vk/kkfjr iwath izHkkj dh x.kuk djrs le; ,Dli¨t+j esa ls ?kVk fn, tkrs gSaA fjVsy mRiknksa gsrq yh tkus okyh izfrHkwfr] lacaf/kr mRiknksa dh mRikn uhfr esa ifjHkkf"kr dh xbZ gSA vkokl _.kksa vkSj vU; fjVsy _.kksa d¢ fy, foŸk iksf"kr dh tkus okyh laifŸk@vkfLr d¨ izfrHkwfr d¢ :i esa j[kk tkrk gSA laifŸk;ksa dk ewY;kadu vuqeksfnr ewY;kadu ,tsUlh }kjk djok;k tkrk gSA cSad ,sls mRikn Hkh izLrqr djrk gS tks izeq[kr;k laikÆ'od izfrHkwfr ij vk/kkfjr gksrs gSa] tSls 'ks;j] fofuÆn"V flD;¨fjVht+] HkaMkfjr Çtl vkSj Lo.kZ vkHkw"k.kA ;s mRikn vuqeksfnr ¸kksTkUkkvksa ds vuq:i izLrkfor fd, tkrs gSa ftLkEksaas fofHkUUk izdkj dh laikÆ'od izfrHkwfr;ksa] ewY;kadu vkSj ekÆtu vkfn Hkh gksRks gSa A cSad mPp Js.kh d¢ xzkgdksa vkSj dqNsd mRiknksa tSls MsfjosfVo] O;fäxr _.kksa vkfn ds fy, cstekurh lqfo/kk,a Hkh iznku djrk gSA cstekurh lqfo/kkvksa ds laca/k esa _.k lhekvksa dk vuqeksnu funs'kd eaMy }kjk fd;k x;kA izR;sd laO;ogkj ds fy, laikÆ'od izfrHkwfr ds izdkj vkSj ek=k ds laca/k esa fu.kZ;] funs'kd eaMy }kjk vuqeksfnr _.k vuqeksnu izkf/kdkj ds vuqlkj] _.k vuqeksnudrkZ izkf/kdkjh }kjk fy;k tkrk gSA vuqeksfnr mRikn uhfr;ksa ds vuqlkj] iznku dh tkus okyh lqfo/kkvksa ¼fjVsy mRikn, 'ks;jksa dh tekur ij _.k vkfn½ ds fy, mä uhfr ds vuq:i laikÆ'od izfrHkwfr yh tkrh gS A

6-3- CkSad }kjk fn, Xk, laikÆ’od ds Ekq[¸k izdkjksa dk fOkOkj.kCkSad vIkUks m/kkjdRkkZvksa dks fn, Xk, ,DLkIkksTk+j ¼fUkf/k vk/kkfjRk RkFkk XkSj fUkf/k vk/kkfjRk½ dh IkzfRkHkwfRk d¢ fYk, fOkfHkUUk Ikzdkj dh IkzfRkHkwfRk¸kka YksRkk gS ¼fTkUgsa LkaIkkf'OkZd Hkh dgk TkkRkk gS½A CkSad Uks HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'kksa d¢ vUkqLkkj _.k Tkksf[kEk dEk djUks d¢ LkaCka/k Eksa ,DLkIkksTk+j Eksa dEkh djUks dk Rkjhdk vIkUkk¸kk gSA Tkgka Hkh _.k Tkksf[kEk dks dEk djUks d¢ fYk, XkkjaVh mIkYkC/k gksRkh gS] Okgka mIkYkC/k XkkjaVh dh LkhEkk Rkd _.k Tkksf[kEk XkkjaVhnkRkk dk gksRkk gSA LkkEkkU¸kRk% fUkEUk Ikzdkj dh IkzfRkHkwfRk¸kka Ykh TkkRkh gS%&1- PkYk vkfLRk¸kka TkSLks LVkWd] PkYk Ek'khUkjh vkfn2- vPkYk vkfLRk¸kka TkSLks HkwfEk HkOkUk] Lka¸ka«k ,Oka Ek'khUkjh3- vUkqEkksfnRk LkwPkh d¢ vUkqLkkj 'ks¸kj4- CkSad dh vIkUkh TkEkkjkf'k¸kka5- ,Uk,LkLkh] fdLkkUk fOkdkLk Ik«k] TkhOkUk CkhEkk IkkWfYkLkh] d¢Unz ,Oka jkT¸k

Lkjdkj }kjk Tkkjh IkzfRkHkwfRk¸kka vkfnA

53



6. Debt securities - rated by approved credit rating agency- with certain conditions

7. Debt securities- not rated- issued by a bank- with certain conditions

8. Units of Mutual funds9. Cash Margin against Non-fund based facilities10. Gold and Gold Jewelry.The securities mentioned at Sr. No. 4 to 10 above are recognized as Credit Risk Mitigants under Basel-II standardized approach for credit risk.

6.4 Main Types of Guarantor Counterparty and their Creditworthiness

Guarantees, which are direct, explicit, irrevocable and unconditional, are taken into consideration by Bank for calculating capital requirement. Use of such guarantees for capital calculation purposes is strictly as per RBI guidelines on the subject.The main types of guarantors against the credit risk of the bank are: y Corporates rated AA(-) or better y Central Government y State Government y ECGC y CGTMSE

6.5 Information about (market or credit) risk concentrations within the mitigation taken

` in Crore

Total exposure covered by Eligible Financial Collateral &

Set Off Amount

Amount of used Eligible finan-cial Collateral

Amount of used set off

Fund Based 130186.17 7041.18 4798.91

Non-Fund Based 35227.20 4565.22 -

Total 165413.37 11606.40 4798.91

QUANTITATIVE DISCLOSURES ` in Crore

S.N. Particulars 31.03.20131 Total exposure (after, where applicable, on- or

off balance sheet netting) that is covered by eligible financial collateral after the applica-tion of haircuts for each separately disclosed credit risk portfolio

11606.40

2 Total exposure (after, where applicable, on- or off-balance sheet netting) that is covered by guarantees/credit derivatives (whenever spe-cifically permitted by RBI) for each separately disclosed portfolio

10671.01

DF7. SECURITISATION: DISCLOSURE FOR STANDARDIZED APPROACH

7.1 The Bank has a Securitization Policy duly approved by its Board. The Bank does not have any case of its assets securitized as on 31st March, 2013.

6- _.k IkzfRkHkwfRk¸kka & vUkqEkksfnUk _.k jsfVaXk ,TksaLkh }kjk EkwY¸kkafdRk & dqN 'kRkks± LkfgRkA

7- _.k IkzfRkHkwfRk¸kka & XkSj EkwY¸kkafdRk & CkSad }kjk Tkkjh & dqN 'kRkks± LkfgRkA

8- E¸kqPkvYk QaM dh ¸kwfUkV9- XkSj fUkf/k vk/kkfjRk LkqfOk/kkvksa d¢ IkzfRk Ukdn EkkfTkZUk10- LOk.kZ RkFkk LOk.kZ vkHkw"k.kØEk Lka[¸kk 4 Lks 10 Ikj nh XkbZ IkzfRkHkwfr¸kksa dks] _.k Tkksf[kEk d¢ fYk, CkkLksYk-II EkkUkd –f"Vdks.k d¢ vaRkXkZRk _.k Tkksf[kEk dEk djUks Eksa Lk{kEk EkkUkk TkkRkk gSA

6-4- XkkjaVhnkRkk IkzfRkIk{kksa d¢ Ekq[¸k Ikzdkj RkFkk mUkdh _.k ¸kksX¸kRkk ,sLkh XkkjafV¸kka Tkks IkzR¸k{k] LkqfUkf'PkRk] vIkzfRkLkagj.kh¸k RkFkk fCkUkk fdLkh 'kRkZ dh gksRkh gS] dks CkSad }kjk IkwaTkh vkOk'¸kdRkkvksa dh Xk.kUkk djUks d¢ fYk, fOkPkkj Eksa Ykh TkkRkh gS A IkwaTkh dh Xk.kUkk d¢ Ikz¸kksTkUk d¢ fYk, ,sLkh XkkjafV¸kksa dk mIk¸kksXk] HkkjRkh¸k fjTkOkZ CkSad d¢ LkaCkaf/kRk EkkXkZfUknsZ'kksa d¢ vUkq:Ik gS A CkSad d¢ _.k Tkksf[kEk d¢ IkzfRk Ekq[¸k Ikzdkj d¢ XkkjaVj fUkEUkkUkqLkkj gS %& y daIkUkh y d¢Unz Lkjdkj y jkT¸k Lkjdkj y bZLkhTkhLkh y LkhTkhVh,Ek,LkbZ

6-5- tksf[ke ladsUæhdj.k ¼cktkj vFkok lk[k½ ds ckjs esa t¨f[ke de djus laca/kh lwpuk djksM+ #0 esa

ik= foÙkh; laikÆ’od o leatu jkf’k }kjk doj ÁkIr dqy

,DlIk¨t+j

Á;qä ik«k foÙkh; lEIkkf’OkZd dh

jkf’k

Á;qä leatu jkf’k

fuf/k &vk/kkfjr 130186.17 7041.18 4798.91

xSj&fuf/k vk/kkfjr 35227.20 4565.22 -

dqy 165413.37 11606.40 4798.91

Ekk«kkREkd IkzdVUk djksM+ #0 esa

Ø- Lka- Particulars 31.03.2013

1

dqYk ,DLkIkksTk+j] Tkks vYkXk Lks IkzdV IkzR¸ksd _.k Tkksf[kEk lafoHkkXk d¢ fYk, EkkfTkZUk YkXkkUks d¢ Ckkn Ikk«k fOkÙkh¸k LkaIkkf'OkZd }kjk dOkj IkzkIRk gks ¼Tkgka YkkXkw gks] vkWUk ¸kk vkWQ RkqYkUk Ik«k UksfVaXk d¢ Ckkn½ A

11606.40

2

dqYk ,DLkIkksTk+j] Tkks vYkXk Lks IkzdV lafoHkkXk d¢ fYk, XkkjaVh @ _.k MsfjOksfVOk ¼HkkjRkh¸k fjTkOkZ CkSad }kjk fOkf'k"V :Ik Lks vUkqEkksfnRk½ EkkfTkZUk }kjk dOkj IkzkIRk gks ¼Tkgka YkkXkw gks] vkWUk ¸kk vkWQ] RkqYkUk Ik«k UksfVaXk d¢ Ckkn½ A

10671.01

Mh,Q&7- izfrHkwfrdj.k % ekudh—r n`f”Vdks.k gsrq izdVhdj.k7-1 CkSad Eksa EkaMYk }kjk fOkf/kOkRk vUkqEkksfnRk IkzfRkHkwfRkdj.k UkhfRk gSA CkSad

Eksa 31 EkkPkZ] 2013 dks bLkdh vkfLRk¸kksa d¢ IkzfRkHkwfRkdj.k dk dksbZ EkkEkYkk Ukgha gSA

54



7.2 There is no case of retained exposure in respect of securitization.

DF8. MARKET RISK IN TRADING BOOKQUALITATIVE DISCLOSURES8.1. Market Risk Management Policy8.1.1 Risk management policiesBank classify HFT and AFS portfolio of Investment under Trading Book. Investment under HTM and Advances are classified under banking book.

8.1.2 Strategies and processesUnder Market Risk Management Liquidity risk, Interest rate risk, Foreign Exchange Risk and equity price risk are monitored and managed. Bank is not currently trading in commodities.

8.1.3 Liquidity RiskGap analysis is undertaken for monitoring liquidity risk on daily basis. Prudential limits based on RBI guidelines for the short- term buckets are monitored. Besides prudential limits are in place for market borrowing – Daily and average call borrowing – Inter Bank Liabilities, Purchased funds etc. High value bulk deposits are monitored on daily basis by the Investment Committee. Short- term dynamic liquidity statement is prepared on a fortnightly basis to assess the liquidity position, which takes into account the business growth. A contingency funding plan is in place to meet the emergencies. The plan is reviewed on quarterly basis. Stress Testing is also done on a quarterly basis to assess possible loss to Bank if there is any liquidity crisis and if funds are to be raised from the market to meet the contingencies.

8.1.4 Interest Rate RiskGap analysis is used to assess the impact on the Net Interest Income of the bank . The Bank also uses duration gap analysis.

Bank’s investments portfolio is monitored on basis of duration analysis.

Stress Testing is conducted to assess the impact on Economic Value of Equity by infusing a shock of change in market rate for 100, 200 & 300 basis points.

8.1.5 Foreign Exchange Risk The Bank has fixed maximum daylight and overnight exposure for foreign exchange exposure in various currencies. Also, stop loss limits and single deal limits are in place for monitoring the forex operations of the dealers.

8.1.6 Equity Price Risk The bank’s domestic investment policy has fixed stop loss limits for equity dealers. Daily reporting to Top Management on the transactions and profit is done.

8.1.7 Structure and Organisation of Market Risk Management function:

Market Risk Management function in the Bank is supported at three levels-

(i) Supervisory Committee of Directors on Risk Management

7-2- izfrHkwfrdj.k d¢ LkaCka/k Eksa dksbZ /kkfjRk ,Dlikstj ugha gS A

Mh,Q 8- VªsÇMx cqd esa cktkj tksf[ke

xq.kkREkd IkzdVUk

8-1- cktkj tksf[ke izca/ku uhfr

8-1-1- tksf[ke izca/ku uhfr;kaCkSad VªsÇMx cgh d¢ vaRkXkZRk fuos'k dks ,p,QVh vkSj ,,Q,l iksVZQksfy;ks Eksa OkXkhZ—Rk djRkk gSA ,pVh,e ds varxZr fuos'k vkSj vfxzeksa dks cSaÇdx Ckgh Eksa OkXkhZ—Rk fd¸kk TkkRkk gSA

8-1-2- uhfr;ka ,oa izfØ;k,acktkj tksf[ke izca/ku rjyrk tksf[ke ds varxZr C;kt nj tksf[ke] fons’kh eqæk fofue; tksf[ke rFkk bZfDoVh tksf[ke ekfuVj RkFkk fUk¸kaf«kRk fd, tkrs gSa A cSad bl le; Çtlä esa VªsÇMx ugha dj jgk gS A

8-1-3- rjyrk tksf[kerjyrk tksf[ke dks ekfuVj djus ds fy, ikf{kd vk/kkj ij varj fo'ys"k.k fd;k tkrk gSA vYidkfyd vof/k ds fy, Hkkjrh; fjtoZ cSad ds fn’kkfunsZ'kksa ij vk/kkfjr foosdiw.kZ lhek,a ekWfuVj dh tkrh gSA blds vfrfjä] cktkj m/kkj nSfud vkSj vkSlr ekax _.k&varj cSad ns;rk,a] [kjhnh xbZ fuf/k;ä vkfn d¢ fy, foosdiw.kZ lhek,a gSaA fuos'k lfefr }kjk nSfud vk/kkj ij mPp ewY; dh cYd tekjkf'k;ka ekWfuVj dh tkrh gSaA rjyrk fLFkfr dk tk;tk ysus ds fy, vYidkfyd xfr'khy rjyrk fooj.kh ikf{kd vk/kkj ij rS;kj dh tkrh gS] ftlesa dkjksckj o`f) ij Hkh fopkj fd;k tkrk gSA vkdfLedrkvksa ls fuiVus ds fy, vkdfLed fu/kh;u ;kstuk cuh gqbZ gSA ;kstuk dh frekgh vk/kkj ij leh{kk dh tkrh gSA rjyrk ladV gksus v©j vkdfLedrkvksa d¨ iwjk djus d¢ fy, cktkj ls fuf/k;ka ysus dh fLFkfr esa cSad dks güs okyh laHkkfor gkfu dk vkdyu djus ds fy, frekgh vk/kkj ij nckc ijh{k.k¼LVªSl VsÇLVx½ Hkh fd;k tkrk gSA

8-1-4- C;kt nj tksf[ke cSad dh fuoy C;kt vk; ij izHkko dk vkdyu djus ds fy, varj fo'ys"k.k dk iz;ksx fd;k tkrk gSA cSad vof/k varjky fo'ys"k.k dk Hkh iz;ksx djrk gS A cSad ds fuos'k iksVZQksfy;ks vof/k fo'ys"k.k ds vk/kkj ij ekWfuVj fd, tkrs gSaA bfDOkVh d¢ vkfFkZd EkwY¸k Ikj IkzHkkOk dk fUk/kkZj.k djUks d¢ fYk,] CkkTkkj nj Eksa 100] 200 vkSj 300 CksfLkLk IOkkbaV d¢ IkfjOkRkZUk d¢ vk?kkRk }kjk nOkkCk Ikjh{k.k fd¸kk TkkRkk gSA

8-1-5- fons’kh eqæk fofue; tksf[kecSad us fofÒé eqæ~kvä esa fons’kh fofue; ,Dlikstj ds fy, vf/kdre fnu o jkr d¢¼MsykbV v©j vöjukbV½ ,Dlikstj fu/kkZfjr fd, gSaA blds lkFk] Mhyjksa ds QksjsDl ifjpkyuksa dh ekWfuVfjax ds fy, gkfu jks/k lhek vkSj ,dy lkSnk lhek,a fu/kkZfjr dh xbZ gSa A

8-1-6- bfDoVh ewY; tksf[ke cSad dh ?kjsyw fuos'k ;¨tuk us bZfDoVh Mhyjksa ds fy, gkfu jks/k lhek,a fuf'Pkr dh gaSA ysu&nsuksa rFkk ykHk ds ckjs esa loksZPp izca/ku dks izfrfnu fjiksÉVx dh tkrh gSA

8-1-7- cktkj tksf[ke izca/ku dk;Z dk <kapk ,oa laxBu %tksf[ke izca/ku dk dk;Z eaMy }kjk fd;k gS tks rhu Lrjksa }kjk leÆFkr gS &(i) funs'kdä dh tksf[ke izca/ku Ik;Zos{kh lfefr tks i;Zos{k.k djrh gS

55



for overseeing and issuing directions, wherever necessary / approving Risk Management Policies (ii) Asset Liability Committee (ALCO) for considering policy issues and deliberating on Liquidity risk, impact on Profitability and Market Risk and (iii) Risk Management department providing support at the ground level.

8.1.8 Scope and nature of risk reporting and / or measurement systems:

In respect of domestic business guidelines stipulated by RBI for managing Market Risk is followed i.e. assessment of Interest Rate Sensitivity on monthly basis, Duration analysis of investments in the Trading book on a daily basis, conducting stress test for liquidity risk / market risk on a quarterly basis. Duration analysis of domestic balance sheet and impact on the Economic Value of Equity is done on a monthly basis. Interest Rate sensitivity is reviewed at regular intervals by ALCO at the corporate level Various prudential measures have been put in respect of market borrowing and lending in conformity with RBI guidelines for monitoring liquidity risk. Structural Liquidity statement is prepared on daily basis and Short Term Dynamic Liquidity statement on a fortnightly basis and reported to ALCO. The results of the Quarterly study on Stress Testing and Impact on Economic Value of Equity is reported to ALCO. Trading book position is reported daily to Top Management.

8.1.9 Policies for hedging and / or mitigating risk.Detailed policies are operational for Investment management, Asset Liability Management and Market Risk Management, which deal in detail the various strategies and processes for monitoring and managing Market Risk.

8.1.10. QUANTITATIVE DISCLOSURES

The capital requirements for: Amount in Rs cr.

y interest rate risk: 382.11

y equity position risk: 197.12

y foreign exchange risk: 2.25

Total Capital for market risk 581.48

DF9. OPERATIONAL RISKQUALITATIVE DISCLOSURESi. Structure and organization of operational risk

management systemOperational Risk Management function in the Bank is supported at three levels- (i) Supervisory Committee of Directors on Risk Management for overseeing and issuing directions, wherever necessary / approving Risk Management Policies (ii) Operational Risk Management Committee (ORMC) for considering policy issues and deliberating on various operational issues and (iii) Risk Management department providing support at the ground level. a. Bank has operational risk management policy that

clearly defines operational risk management framework, operational risks and its mitigants, reporting requirements etc. The policy is reviewed on annual basis by the Board of Directors.

vkSj tgka vko';d gks] funsZ'k tkjh djrh gS@tksf[ke izca/ku uhfr;ksa bR;kfn dk vuqeksnu djrh gS A (ii) vkfLr ns;rk izca/ku lfefr ¼vkYdks½ tks uhfrxr eqÌ¨a ij fopkj djrh gS vkSj rjyrk] ykÒÁnrk rFkk cktkj t¨f[ke ij fopkj foe'kZ djrh gS rFkk (iii) tksf[ke izca/ku fOkHkkXk t¨ vk/kkjHkwr Lrj ij lgk;rk iznku djrk gSA

8-1-8- tksf[ke fjiksÉVx vkSj @vFkok ekiu i)fr dk {ks= rFkk Lo:i

?kjsyw dkjksckj ds laca/k esa cktkj tksf[ke izca/ku gsrq Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fn'kkfunsZ'kksa tSls&ikf{kd vk/kkj ij C;kt nj laosnu'khyrk fooj.kh rS;kj djuk] VªsÇMx cqd fuos'k¨a dk nSfud vk/kkj ij vof/k fo'ys"k.k] rjyrk t¨f[ke@cktkj t¨f[ke dk frekgh vk/kkj ij nCkkOk ijh{k.kA ?kjsyw rqyui= rFkk bZfDoVh d¢ vkÆFkd ewY; ij izHkko dk ekfld vk/kkj ij vof/k fo'ys"k.k fd;k tkrk gSA C;kt nj laosnu'khyrk dh dkjiksjsV Lrj ij vkYdks }kjk fu;fer varjkyksa ij iqujh{kk dh tkrh gSA rjyrk tksf[ke dh ekWfuVfjax ds fy, Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj cktkj m/kkj o _.k d¢ laca/k esa fofHkUUk foosdiw.kZ izfreku fu/kkZfjr fd, x, gSaA lajpukRed rjyrk fooj.kh nSfud vk/kkj ij rS;kj dh tkrh gS vkSj vYidkfyd xfr'khy rjyrk fooj.kh ikf{kd vk/kkj ij rS;kj dh tkrh gS vkSj vkYdks dks fjiksVZ dh tkrh gSA LVªSl VsÇLVx rFkk bZfDoVh ds vkÆFkd ewY; ds izHkko ij fd, x, frekgh v/;;u ds ifj.kke vkYdks dks fjiksVZ fd, tkrs gSaA VªsÇMx cqd fLFkfr ds ckjs esa loksZPp izca/ku dks izfrfnu lwfpr fd;k tkrk gSA

8-1-9- cpko O;oLFkk vkSj@vFkok tksf[ke de djus dh uhfr;ka

fuos'k izca/ku, vkfLr ns;rk izca/ku rFkk cktkj tksf[ke izca/ku ds fy, foLr`r uhfr;ka ykxw gS] ftuesa cktkj tksf[ke dh ekWfuVfjax RkFkk fUk¸ka«k.k ds fy, fofHkUUk uhfr;ka vkSj izfØ;k,a foLRkkj ls nh xbZ gSaA

8-1-10- Ekk«kkREkd izdVUk

fuEu ds fy, iwath vis{kk,a jkf’k djksM+ #0 esa

C;kt nj tksf[ke 382.11

bZfDoVh fLFkfr tksf[ke vkSj 197.12

fons'kh eqæk fofue; tksf[ke 2.25

cktkj tksf[ke ds fy, dqy iwath 581.48

Mh,Q&9- ifjpkyu tksf[ke

Xkq.kkREkd IkzdVUk

i. IkfjPkkYkUk Tkksf[kEk IkzCka/kUk Ik)fRk dk <kaPkk ,Oka LkaXkBUkCkSad Eksa IkfjPkkYkUk Tkksf[kEk IkzCka/kUk dk¸kZ RkhUk LRkjksa Ikj LkEkfFkZRk gS &(i) Tkksf[kEk IkzCka/kUk Ikj fUkns'kdksa dks Ik¸kZOks{kh LkfEkfRk Tkks Tkgka Tk:jh gks] fUkns'k nsRkh gS RkFkk Tkksf[kEk IkzCka/kUk UkhfRk¸kksa dh ns[kjs[k@vUkqEkksnUk djRkh gSA (ii) UkhfRkXkRk EkqÌksa Ikj fOkPkkj djUks RkFkk fOkfHkUUk IkfjPkkYkUk Ikjd EkqÌksa Ikj fOkPkkj fOkEk'kZ djUks d¢ fYk, IkfjPkkYkUk Tkksf[kEk IkzCka/kUk LkfEkfRk RkFkk (iii) vk/kkjHkwRk LRkj Ikj LkEkFkZUk nsUks d¢ fYk, Tkksf[kEk IkzCka/kUk fOkHkkXkd- CkSad Eksa IkfjPkkYkUk Tkksf[kEk IkzCka/kUk UkhfRk gS Tkks IkfjPkkYkUk Tkksf[kEk

izca/kUk LkajPkUkk] IkfjPkkYkUk Tkksf[kEkksa vkSj bUgsa dEk djUks d¢ RkROkksa] fjIkksfV±Xk vkOk'¸kdRkkvksa bR¸kkfn dks LIk"V :Ik Lks IkfjHkkf"kRk djRkh gSA bLk UkhfRk dh LkEkh{kk fUkns'kd EkaMYk }kjk Okkf"kZd vk/kkj Ikj dh TkkRkh gSA

56



ii. Scope and nature of risk reporting and / or measurement systems:

a. The Operational Risk Management Committee meets at regular intervals wherein the incidents related to people, processes, technology and external events exposing the Bank to Operational risk are deliberated at length and suitable steps are initiated to check recurrence of such events.

b. Bank has collaborated with IBA in a venture “Credit and Operational Risk Loss Data Exchange (CORDEX)” as one of the promoters.

iii. Calculation of capital chargea. Bank is following Basic Indicator Approach and providing

for requisite capital under Basel II as per RBI guidelines. Under this approach average of 3 years is taken into consideration for arriving at risk weighted assets.

DF10 INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)QUALITATIVE DISCLOSURESBanking book includes all advances and investments held in Held to Maturity (HTM) portfolio. The strategies & processes/ structure & organization/ scope and nature of risk reporting/ policies etc are the same as reported under point – 8.1 y The methodology and key assumptions made in the

IRRBB measurement are as follows: y IRRBB is assessed based on RBI guidelines. y Interest Rate Sensitivity statement is prepared with various

time buckets, having regard to the rate sensitivity as well as residual maturity of different assets and liabilities.

y The duration for each asset and liability is arrived by taking the midpoint of each time bucket as the maturity date, the average yield as coupon and the market rate for discounting purpose. For investments, the actual duration is arrived and used for risk assessment.

y Modified Duration of Liabilities and Assets for each bucket is calculated and the impact on their value for a change in interest rate by 200 Basis Points is arrived.

QUANTITATIVE DISCLOSURES10.1 The increase (decrease) in Earnings and Economic Value

for upward and downward rate shocks for measuring IRRBB is as follows:-

INTEREST RATE RISK IN BANKING BOOK AS ON MARCH 31, 2013

Total (` in Cr)

1. Impact on Earnings (NII) At 0.50% for 1 year 187.74

2. Economic Value of Equity at Risk

200 basis point shock 2324.17

Drop in equity value in percentage terms 19.77%

ii. Tkksf[kEk fjIkksfV±Xk vkSj@vFkOkk EkkIkUk Ik)fRk dk LOk:Ik ,Oka Ikz—fRkd- ifjpkyu tksf[ke izca/ku lfefr dh fu;fer vk/kkj ij cSBdsa gksrh

gSa ftlesa O¸kfDRk¸kksa] IkzfØ¸kkvksa] VsDUkkWYkkWTkh RkFkk Ckkgjh ?kVUkkvksa Lks LkaCkaf/kRk] cSad dks ifjpkyu tksf[ke esa Mkyus okyh ?kVukvksa ij foLrkj ls ppkZ gksrh gS vkSj ,slh ?kVukvksa dh iqujko`fŸk dks jksdus ds fy, mi;qä dne mBk, tkrs gSa A

[k- cSad] Hkkjrh; cSad la?k ds lkFk feydj] gkfu MkVk ,df=r djus d¢ fYk, **_.k ,oa ifjpkyu tksf[ke gkfu MkVk fofue; (CORDEX)** m|e esa igys ls gh ,d izorZd ds :i esa dk;Z dj jgk gS A

iii. IkwaTkh IkzHkkj dh Xk.kUkkd- cSad Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj ewy ladsrd

nf"Vdks.k viuk jgk gS vkSj cklsy-II ds varxZr visf{kr iwath izko/kku dj jgk gSA bLk –f"Vdks.k d¢ vaRkXkZRk Tkksf[kEk /kkfjRk vkfLRk¸kka fUkdkYkUks d¢ fYk, RkhUk Ok"kks± dh vkSLkRk dks fgLkkCk Eksa fYk¸kk TkkRkk gSA

Mh,Q&10- cSad cgh esa C;kt nj tksf[ke ¼vkbZvkjvkjchch½

xq.kkRed izdVhdj.k y CkSafdaXk Ckgh Eksa IkfjIkDRkk Rkd /kkfjRk LkafOkHkkXk Eksa j[ks Xk, LkHkh vfXkzEk

RkFkk fUkOks'k 'kkfEkYk gSaA j.kuhfr;ka rFkk izfØ;k,a@lajpuk rFkk laxBu @ tksf[ke fjiksÉVx dk {ks= rFkk iz—fr @uhfr;ka vkfn ogha gSa tks en la[;k 8-1 esa n'kkZbZ xbZ gSaA

y vkbZvkjvkjchch ekiu esa dk;Zfof/k rFkk izeq[k vo/kkj.kk,a fuEukuqlkj gS %

y vkbZvkjvkjchch dk fUk/kkZj.k Òkjrh; fjt+oZ cSad d¢ EkkXkZfUknsZ'kksa Ikj vk/kkfjRk gSA

y fofHkUUk vkfLr;ksa ,oa ns;rkvksa dh nj laosnu'khyrk rFkk vof'k"V ifjiDork vof/k ds laca/k esa fofÒé le;&Jsf.k;¨a esa C;kt nj laosnu'khy fooj.kh rS;kj dh tkrh gSA

y izR;sd vkfLr ,oa ns;rk dh vof/k] izR;sd le;kof/k ds e/; fcUnq dks ifjiDork rkjh[k ds :i esa ysdj vkSj vkSlr vk; d¨ dwiu ds :i esa rFkk CkÍs ds mÌs'; ls ekÆdV nj ysdj fudkyh tkrh gSA fuos'kksa ds fy, okLrfod le;kof/k fUkdkyh tkrh gS vkSj Tkksf[kEk fUk/kkZj.k d¢ fYk, Ikz¸kksXk dh TkkRkh gSA

y izR;sd Js.kh d¢ fYk, ns;rkvksa ,oa vkfLr;ksa dh la'kksf/kr vof/k fudkyh tkrh gS vkSj C;kt nj Ikj 200 CksfLkLk IOkkbaV ds ifjorZu ls mUkd¢ ewY; ij iM+us okys izHkko dks fudkyk tkrk gSA

Ekk«kkREkd IkzdVUk

10-1- vkbZvkjvkjchch ekius ds fy, C;kt nj esa mrkj&p<+ko ds vk?kkr a ds fy, vk; rFkk vkÆFkd ewY; esa of) ¼deh½ fUkEUkkUkqLkkj gS%

31 EkkPkZ] 2013 dks cSaÇdx cgh esa C;kt nj Tkksf[kEk

dqy ¼djksM+ #- esaa½

1- vtZu ij ÁÒko ¼,uvkbZvkbZ½

1 o"kZ ds fy, 0-50% ij

187.44

2- tksf[ke okyh bZfDoVh dk vkÆFkd ewY;

200 csfll IokbaV vkÄkr

(2324.17)

bZfDoVh ewY; esa Áfr'kr deh 19.77%

57



CORPORATE GOVERNANCE1. BANK’S PHILOSOPHY ON CODE OF CORPORATE

GOVERNANCEOur Corporate Governance policies recognize the accountability of the Board and the importance of its decisions to all our constituents including depositors, lenders, customers, employees and the regulatory authorities, and to demonstrate that the shareholders are the ultimate beneficiaries of our economic activities. The functions of the Board and the executive management are well defined and are distinct from one another. OBC has always voluntarily made efforts to implement sound governance practices. OBC has set up various Committees of the Board which meet at regular intervals and monitor the activities of the Bank, which are being carried out on a daily basis by the executives of the Bank and ensure that the Bank implements the decisions taken at the Board Meeting.BANK’S VISION AND MISSION VISION STATEMENT TO BE A CUSTOMER FRIENDLY PREMIER BANK

COMMITTED TO ENHANCING STAKEHOLDERS VALUE

MISSION STATEMENT y Provide quality, innovative services with state-of-the-art

technology in line with customer expectations. y Enhance employees’ professional skills and strengthen

cohesiveness. y Create wealth for customers and other stakeholders.

2. BOARD OF DIRECTORSThe composition of Board of Directors is governed by the provisions of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 read with Nationalized Banks (Management and Miscellaneous Provisions) Scheme 1980 and is represented by persons with diversified professional experience.As on 31st March 2013 the Board comprises of Chairman and Managing Director, two Executive Directors, Govt. of India and RBI representative directors, one Chartered Accountant Director, two part-time non-official directors appointed by Govt. of India, two directors nominated by Govt. of India representing the interests of workmen and non workmen and three directors elected by the shareholders of the Bank other than Central Government.The election of shareholder directors of the Bank was held on 29th September 2011 consequent to which three shareholder directors assumed office from 30th September 2011 for a period of three years. Subsequent to SEBI clarification dated 18.12.2012 received by the Bank, one of the shareholder director has been treated as non-independent as per clause 49 of the Listing Agreement. By taking this into account, as on 31st March 2013, Bank has 13 Directors on the Board out of which 6 Directors are under the Independent category. Bank is in the process of complying with clause 49 I (A) and has already taken up the matter with Govt. of India to appoint additional non-official part time director under Section 9 (3) (h) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980.

dEIkuh vfÒ'kklu1- dEIkuh vfÒ'kklu lafgrk ij cSad dh vo/kkj.kk

gEkkjh daIkUkh vfÒ'kklu UkhfRk¸kka]gEkkjs LkHkh ÄVdä fTkLkEksa TkEkkdRkkZ] _.knkRkk] Xkzkgd] dEkZPkkjh vkSj fOkfUk¸kkEkd Ikzkf/kdkjh 'kkfEkYk gSa] d¢ IkzfRk EkaMYk d¢ mÙkjnkf¸kROk vkSj bLkd¢ fUk.kZ¸kksa d¢ EkgROk dks EkkUkRkh gSa vkSj ¸kg n'kkZRkh gSa fd 'ks¸kj/kkjd gh gEkkjh vkfFkZd XkfRkfOkf/k;ä d¢ vafRkEk YkkHkXkzkgh gSa A eaMy rFkk dk¸kZIkkYkd izca/ku ds dk;Z LkqIkfjHkkf"kRk gSa vkSj ,d nwljs ls fHkUUk gSaA vksfj;UVy cSad vkWQ dkWelZ us lnSo lqn`<+ vfHk'kkLkUk i)fr;ksa dks dk;kZfUor djus ds fy, LosPNk ls Ikz¸kkLk fd, gSaA

vksfj;UVy cSad vkWQ dkWelZ us eaMy dh fOkfHkUUk lfefr;ksa dk xBu fd;k gS ftudh cSBdsa fu;fer varjkyksa ij gksrh gSa o cSad ds dk;Zikydksa }kjk nSfud vk/kkj ij fd, Tkkus okys cSad d¢ dk;ks± dks ekuhVj djrh gS vkSj lqfuf'Pkr djrh gSa fd eaMy dh cSBdksa esa fy, x, fu.kZ; cSad }kjk dk;kZfUor fd, x, gSaA

cSad dk fot+u ,oa fe'ku

fot+u oäO;

,d xzkgd fgrS"kh vxz.kh cSad cuuk t¨ LVsdgŸMjä d¢ ewY;o/kZu d¢ fy, opuc) gSA

fe'ku oäO; y xq.koŸkk lqyÒ djrs gq, xzkgdä dh vis{kkvä ds vuq:i uohure

Vsduk+y¨th d¨ mi;¨x esa ykdj fuiq.krk d¢ lkFk ubZ lsok,a Ánku djukA

y deZpkfj;ä d¢ O;kolkf;d d©'ky ,oa lkeatL;&lq–<++rk esa o`f) djukA

y xzkgdä ,oa vU; LVsdgŸMjä d¢ fy, lEIknk l`tu djukA

2- funs'kd eaMy

funs'kd eaMy dk xBu] jk"Vªh;—r cSad ¼izca/ku ,oa fofo/k izko/kku] ;kstuk] 1980 ds lkFk ifBr½ jk"Vªh;—r cSaddkjh dEiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 d¢ izko/kkuksa ds vuqlkj fd;k tkrk gS rFkk fofo/kh—r O;kolkf;d vuqÒo j[kus okys O;fä;ä }kjk Áfrfuf/kRo fd;k tkrk gSA

31 ekpZ 2013 d¨] eaMy esa v/;{k ,oa izcU/k funs'kd] 2 dk;Zdkjh funs'kd]Òkjr ljdkj rFkk Òkjrh; fjt+oZ cSad d¢ Áfrfuf/k funs'kd] ,d lunh ys[kkdkj funs'kd] Òkjr ljdkj }kjk fu;qä n¨ va'kdkfyd xSj&Lkjdkjh funs'kd] deZdkj o xSj&deZdkj ds fgrksa dk izfrfuf/kRo djus ds fy, Hkkjr ljdkj }kjk ukfer n¨ funs'kd rFkk dsUæ ljdkj ls fHkUUk cSad d¢ 'ks;j/kkjdksa }kjk pqus x, rhu funs'kd 'kkfey gSa A

cSad d¢ 'ks;j/kkjd funs'kdä dk pquko 29 flrECkj] 2011 d¨ gqvk Fkk ftld¢ vuqlj.k esa rhu 'ks;j/kkjd funs'kdä us 30 flrECkj] 2011 d¨ rhu o"kZ dh vof/k d¢ fy, dk;Zxzg.k fd;kA cSad d¨ ÁkIr lsch d¢ fnukad 18.12.2012 d¢ LIk"Vhdj.k d¢ ckn] lwphdj.k djkj d¢ [kaM 49 d¢ vuqlkj ,d 'ks;j/kkjd funs'kd d¨ xSj& Lora«k funs'kd ekuk x;k gSA

bls /;ku esa j[krs gq, 31 ekpZ] 2013 d¨ cSad d¢ eaMy esa 13 funs'kd gSa ftlesa ls 6 funs'kd Lora«k Js.kh d¢ varxZr gSaA cS¡d [kaM 49 1¼,½ dk vuqikyu djus d¢ fy, dk;Zjr gS rFkk cSad us cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfUk¸kEk] 1980 dh /kkjk 9¼3½ ¼,p½ d¢ vaRkXkZRk vfrfjä va'kdkfyd xSj&ljdkjh dh fu;qfä djus dk ekeyk Òkjr

58



Ø- la-

funs'kd dk uke

dk;Z&vof/k vk;q¼o"kZ½

vgZrk vkschlh esa 'ks;j

vU; daifu;ksa esa funs'kd dk in

lfefr;ksa dh lnL;rk lfefr ds v/;{k o"kZ esa iznŸk dk;Z 'kqYd ¼HkkjRk Lkjdkj d¢ IkfjIk«k Lka0 15@1@2011 & Ckhvks-

vkbZ fnUkkad 18-10-2011 d¢ vUkqLkkj 10000@& #- izfr eaMy cSBd vkSj 5000@&#-

izfr lfefr cSBd dh nj ls½

1 Jh ,Lk-,Yk-

CkaLkYk

v/;{k ,oa izca/k

funs'kd

01-03-12

ls

vkTk Rkd

58 ,Ek- dkWEk

Lkh,vkbZvkbZCkh

'kwU; 1- d¢Ukjk ,Pk,LkCkhLkh vksfj¸kUVYk CkSad vkWQ dkWEkLkZ TkhOkUk CkhEkk daIkUkh fYk0

2- vksfj¸kUVYk ba'¸kksjsaLk daIkUkh fYk0

1- eaMy dh izca/k lfefr

2- tksf[ke izca/ku ij fUkns'kdksa dh i;Zos{kh lfefr

3- eaMy dh lwpuk izkS|ksfxdh dk;Zuhfr lfefRk

4- 'ks;j/kkjd@fuos'kd f'kdk;r lfefRk

5- cM+h jkf'k dh /kks[kk/kM+h ij eaMy dh fo'ks"k lfefr

6- eaMy dh xzkgd lsok lfefr

7- Mhihlh

8- _.k vUkqEkksnUk LkfEkfRk

9- EkkUkOk LkaLkk/kUk LkfEkfRk

10- tUk LkaIkdZ ,Oka IkzPkkj LkfEkfRk

11- vU¸k daIkfUk¸kksa Eksa 'ks¸kj/kkjd fUkns'kd dh mEEkhnOkkjh d¢ fUk.kZ¸k gsRkq EkaMYk LkfEkfRk

12- ,UkIkh, dh EkkWUkhVfjaXk gsRkq EkaMYk dh mIk LkfEkfRk


2- tksf[ke izca/ku ij eaMy dh i;Zos{kh lfefr



5- MhIkhLkh



8- TkUk LkaIkdZ ,Oka IkzPkkj LkfEkfRk



ykxw ugha

2 Jh ,l-lh-

flUgk

dk;Zdkjh

funs'kd

01-04-12

&

31-07-12

60 ch-dkWe ¼vkWulZ½

lh,vkbZvkbZch

'kwU; dsujk ,p,lchlh vksfj;UVy cSad vkWQ dkWelZ thou chek daiuh izk-fy-


2- eaMy dh ys[kkijh{kk lfefr


4- eaMy dh lwpuk izkS|ksfxdh dk¸kZUkhfRk lfefRk




8- MhIkhLkh





'kwU¸k ykxw ugha

59



Sl Name of the Director

Tenure Age (Yrs)

Qualification Shares in OBC

Directorship in other

Companies

Membership of the Committees

Chairman of the Committee

Sitting Fees paid during the year.

[@ Rs.10000/- per Board Meeting

and Rs.5000/- per Committee meeting

in terms of Govt. of India Circular

No.15/1/2011-BO.I dated 18.10.2011 ]

1 Sh. S L BansalChairman & Managing Director

01.03.12-till date

58 M.Com, CAIIB NIL 1. Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd

2. Oriental Insurance Company Ltd.

1. Management Committee of Board

2. Supervisory Committee of

Directors on Risk Management

3. IT Strategy Committee of Board

4. Shareholders / Investors Grievance Committee

5. Special Committee of Board on Large Value Frauds

6. Committee of Board on Customer Service

7. DPC8. Credit Approval Committee9. HR Committee10. PR & Publicity

Committee11. Committee of

Board to decide candidature of Shareholder Director in other companies

12. Sub-Committee of Board for

monitoring of NPAs


2. Supervisory Committee of Board on Risk Management



5. DPC6. Credit Approval

Committee7. HR Committee8. PR & Publicity



10. Sub-Committee of Board for monitoring of NPAs

N.A

2 Sh S.C. SinhaExecutive Director

01.04.12 – 31.07.12

60 B Com (Hons), CAIIB

NIL Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd


2. Audit Committee of Board

3. Supervisory Committee of Directors on Risk Management






Committee10. H R Committee11. PR & Publicity



NIL N.A

60



3 Jh Okh- d..kUkdk¸kZdkjh fUkns'kd

01-04-12&

vkTk Rkd

58 Ckh-,LkLkh ¼vkWulZ½ IkhTkhMhCkh,] Lkh,vkbZvkbZCkh

'kwU; dsujk ,p,lchlh vksfj;UVy cSad vkWQ dkWelZ thou chek daiuh izk-fy-




4- EkaMy dh lwpuk izkS|ksfxdh dk¸kZUkhfRk lfefRk




8- MhIkhLkh




12- vU¸k daIkfUk¸kksa Eksa 'ks¸kj/kkjd fUkns'kd dh

mEEkhnOkkjh d¢ fUk.kZ¸k gsRkq EkaMYk LkfEkfRk


'kwU; ykxw ugha

4 Jh HkwfIkUnj UkS¸¸kjdk¸kZdkjh fUkns'kd

05-10-12&

vkTk Rkd

57 ,Ek-dkWEk] ,Yk,YkCkh] Lkh,vkbZvkbZCkh

'kwU¸k 'kwU¸k 1- eaMy dh izca/k lfefr



4- EkaMy dh lwpuk izkS|ksfxdh dk¸kZUkhfRk lfefRk



7- EkaMYk dh Xkzkgd LksOkk LkfEkfRk

8- MhIkhLkh




12 vU¸k daIkfUk¸kksa Eksa 'ks¸kj/kkjd fUkns'kd dh mEEkhnOkkjh d¢ fUk.kZ¸k gsRkq EkaMYk LkfEkfRk


'kwU¸k YkkXkw Ukgha

61



3 Sh.V KannanExecutive Director

01.04.12 - till date

58 B.Sc (Hons),PGDBA,CAIIB

NIL Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd













NIL N.A

4 Sh. Bhupinder NayyarExecutive Director

05.10.12-till date

57 M. Com, LLB, CAIIB

NIL NIL 1. Management Committee of Board












NIL N.A

62



5 LkqJh Js¸kk Xkqgk

HkkjRk Lkjdkj

d¢ UkkfEkRkh

fUkns'kd

01-04-12

&

vkTk Rkd

42 ,Ek-, ¼IkzkPkhUk

bfRkgkLk½

,Ek- fQy ¼IkzkPkhUk

bfRkgkLk½] HkkjRkh¸k

jk"Vªh¸k fOkf/k

fOk|kYk¸k] CkaXkYkkSj

fOk'OkfOk|kYk¸k Lks

EkkUkOkkf/kdkj JEk

Eksa IkksLV XkzsTkq,V

fMIYkksEkk]

CkzS.MQksMZ dh

QkWjUk ,.M

dkWEkUkOksYFk

vkWfQLk

¸kwfUkOkfLkZVh Lks

EkSUksTkEksaV IkzksXkzkEk

'kwU; 'kwU¸k 1- eaMy dh ys[kkijh{kk

lfefr

2- cM+h jkf'k dh

/kks[kk/kM+h ij eaMy

dh fo'ks"k lfefRk

3- Mhihlh

4- ikfjJfed lfefr

5- ukekadu lfefr


7- ,UkIkh, dh EkkWUkhVfjaXk

gsRkq EkaMYk dh mIk

LkfEkfRk

1- IkkfjJfEkd LkfEkfRk

2- ukekadu lfefr

YkkXkw Ukgha

6 Jh Ckh- JhfUkOkkLkHkkjRkh¸k fjTkOkZ CkSad d¢ UkkfEkRkh fUkns'kd

01-04-12

&

31-03-13

60 ,Ek-,LkLkh

¼Lkkaf[¸kdh½

lh,vkbZvkbZch

'kwU; 'kwU; 1- eaMy dh izca/k lfefr

2- eaMy dh ys[kkijh{kk

lfefr

3- MhIkhLkh

4- ikfjJfed lfefRk

'kwU; YkkXkw Ukgha

7 Jh d¢- ,Pk- Ikk.Ms¸kdEkZdkj fUkns'kd

01-04-12&

vkTk Rkd

53 ,Ek-dkWEk] Lkh,vkbZvkbZCkh

'kwU¸k 'kwU¸k 1- tksf[ke izca/ku ij fUkns'kdksa dh i;Zos{kh lfefRk

2- lwpuk izkS|ksfxdh dk;Zuhfr lfefRk



'kwU¸k 2]45]000@&

8 Jh ,Lk-,Lk- f'k'kkSfn¸kkvf/kdkjh dEkZPkkjh fUkns'kd

01-04-12 &

vkTk Rkd

58 Ckh-dkWEk 'kwU¸k 'kwU¸k 1- EkaMYk dh izca/k lfefr





'kwU¸k 1]75]000@&

9 Jh ds-,Lk- JhfUkOkkLkUk

01-04-12 &

vkTk Rkd

57 Lkh,] IkhTkhMhLkh, ,.M daI¸kwVjh—Rk fLkLVEk vkWfMV Eksa LUkkRkdksRRkj fMIYkksEkk ¼MhvkbZ,Lk, & vkbZLkh,½] baVjUks'kUkYk ØsLVEk] MsUkOkj dksYkkMksZ] ¸kw,Lk, Lks ,fXTkD¸kwfVOk EkSUksTkEksaV IkzksXkzkEk

'kwU¸k dSUkCkSad QSDVLkZ fYk0 1- eaMy dh izca/k lfefr



4- UkkEkkadUk LkfEkfRk

5- TkUkLkaIkdZ ,Oka IkzPkkj LkfEkfRk

EkaMYk dh Yks[kkIkjh{kk LkfEkfRk

2]85]000@&

63



5 Ms. Sreya GuhaGovernment of India Nominee Director

01.04.12- till date

42 M.A(Ancient History), M. Phil (Ancient History), Post Graduate Diploma from National Law School of India University, Bangalore in Human Rights Labour. Management Programme from Foreign and Commonwealth Office University from Brandford

NIL NIL 1. Audit Committee of Board


3. DPC4. Remuneration

Committee5. Nomination

Committee6. HR Committee7. Sub-Committee

of Board for monitoring of NPAs

1. Remuneration Committee

2. Nomination Committee

N.A

6 Sh. B SrinivasRBI Nominee Director

01.04.12-31.03.13

60 M.Sc (Stat), CAIIB


2. Audit Committee of Board,

3. DPC4. Remuneration

Committee

NIL N.A

7 Sh. K H PandeyWorkmen Employee Director

01.04.12 – till date

53 M.Com, CAIIB NIL NIL 1. Supervisory Committee of Directors on Risk Management

2. IT Strategy Committee

3. HR Committee4. Sub-Committee


NIL 2,45,000/-

8 Sh. S S ShishodiaOfficer Employee Director


58 B.Com NIL NIL 1. Management Committee of Board

2. Shareholder/Investors Grievance Committee

3. Customer Service Committee

4. HR Committee5. Sub-Committee


NIL 1,75,000/-

9 Sh. K S Sreenivasan

01.04.12-till date

57 CA, PGDCA & Post Graduate Diploma holder in Computerized System Audit (DISA-ICA). Executive Management Programme of Crestom International, Denver Colarado, USA

NIL CanBank Factors Ltd.





5. PR & Publicity Committee

Audit Committee of Board

2,85,000/-

64



10 Jh Lkh-Ikh- fLkag 01-04-12 &

vkTk Rkd

60 Ckh-,LkLkh] vkWQLksV fIkzfUVaXk Eksa Vh, ,oa eSustesaV esa fMIyksek ,oa btjkby ls ih,elhMh QkWj MCY;wbZvkbZ

'kwU¸k 'kwU¸k 1- eaMy dh izca/k lfefRk

2- tksf[ke izca/ku ij fUkns'kdksa dh i;Zos{kh lfefRk


4- UkkEkkadUk LkfEkfRk


'ks;j/kkjd@fuos'kd f'kdk;r lfefRk

2]05]000@&

11 Jh Ikh- ,Ek- PkksIkM+k

18-01-13&

vkTk Rkd

54 ,Ek- dkWEk] ,Yk,YkCkh] ,,EkvkbZ,Ek,] ,,Ek,LkIkhvkbZ] ,QLkh,

'kwU¸k 'kwU¸k 'kwU¸k 'kwU¸k 30]000@&

12 Jh Vh- ofYy;Iiu

01-04-12 &

vkTk Rkd

64 ch-,llh] ,e-,llh ¼xf.kr½] 'kkVZ VeZ dkslZ vkWu daI;wVj ,IYkhd¢'kaLk

125 'kwU¸k 1- eaMy dh izca/k lfefr




5- IkkfjJfEkd LkfEkfRk


7z ,UkIkh, dh EkkWUkhVfjaXk gsRkq EkaMYk dh mIk LkfEkfRk

'kwU¸k 2]85]000@&

13 Mk- vkHkk PkRkqOksZnh

01-04-12 &

vkTk Rkd

63 Ckh-,- ¼n'kZUk'kkL«k½] ,Ek-,- ¼n'kZUk'kkL«k½ ,Oka Ikh,PkMh ¼n'kZUk'kkL«k½

100 'kwU¸k 1- LkwPkUkk IkzkS|ksfXkdh dk¸kZUkhfRk LkfEkfRk

2- xzkgd lsok lfefRk

3- ikfjJfed lfefRk


'kwU¸k 2]15]000@&

14 Jh Ikh Ckh LkaFkkUkk—".kUk

01-04-12 &

vkTk Rkd

60 Lkh-,- 300 dSUkfQUk gksELk fYk0 1- LkwPkUkk IkzkS|ksfXkdh dk¸kZUkhfRk LkfEkfRk

2- cM+h jkf'k dh /kks[kk/kM+h ij eaMy dh fo'ks"k lfefRk

3- xzkgd lsok lfefRk

4- TkUkLkaIkdZ ,Oka IkzPkkj LkfEkfRk

LkwPkUkk IkzkS|ksfXkdh dk¸kZUkhfRk LkfEkfRk

2]60]000@&

65



10 Sh. C. P. Singh

01.04.12-till date

60 BSc, T.A. in offset printing & Diploma in Management and PMCD for WEI from Israel





5. Committee to decide candidature of Shareholder Director in other companies

Shareholder/Investors Grievance Committee

2,05,000/-

11 Sh. P M Chopda

18.01.13-till date

54 M.COM, LLB, AMIMA, AMSPI, FCA

NIL NIL NIL NIL 30,000/-

12 Sh T Valliappan


64 B.Sc, M Sc (Math), Short term course on Computer Applications

125 NIL 1. Management Committee of Board





6. Committee of Board to decide candidature of Shareholder Director in other companies


NIL 2,85,000/-

13 Dr. Abha Chaturvedi

01.04.12-till date

63 B.A. (Philosophy), M.A. (Philosophy) and PhD. (Philosophy)

100 NIL 1. IT Strategy Committee



4. HR Committee

NIL 2,15,000/-

14 Sh. P B Santhana krishnan

01.04.12-till date

60 C.A. 300 CanFin Homes Ltd. 1. IT Strategy Committee

2. Special Committee of Board for Large Value Frauds


4. PR & Publicity Committee

IT Strategy Committee

2,60,000/-

66



3. APPOINTMENTS/ELECTIONS ON THE BOARD OF THE BANK DURING THE YEAR

List of Directors appointed during the year: -

S. No.

Name of Director Designation Date of

Appointment

Banking Compa-nies (Acquisition and Transfer of Undertaking)

Act 1980

01. Sh. B. Nayyar

Executive Director 05.10.2012 U/s Sec 9 (3) (a)

02. Sh. P M Chopda

Part-time Non-Official Director

18.01.2013 U/s Sec 9 (3) (h)

4. DIRECTORS OUT GOING DURING THE YEAR: - List of Outgoing Directors during the year: -

S. No.

Name of Director

Designa-tion

Date of Notification

/ Tenure Completed

Banking Compa-nies (Acquisition and Transfer of Undertaking)

Act 1980

01 Sh. S C Sinha

Executive Director 31.07.2012 U/s Sec 9 (3) (a)

02 Sh. B. Srinivas

RBI Nomi-nee Director

Superan-nuated on 31.03.2013

U/s Sec 9 (3) (c)

5. PROFILE OF THE DIRECTORSThe profile of the Directors who were appointed on the Board of the Bank and assumed office during the Financial Year 2012-13 is furnished hereunder:

Shri Bhupinder Nayyar, Executive Director, assumed charge on 5th October, 2012.Born on 13th June, 1955, Shri Nayyar is a Post Graduate in Commerce (M. Com) from SRCC, New Delhi. He has also done LLB and CAIIB. Shri Nayyar started his career in 1977 in Bank of India. An experienced banker and a specialist in credit, he has worked in various capacities at branches and various Zonal Offices of the Bank. He has worked across Northern and Western parts of India. He worked as an officer in Paris branch for three and half years. In the year 2008, he was posted as Chief Executive Hongkong centre. He returned to Indian establishment in Mumbai before being elevated as General Manager Head Office Large Corporate in April2010. His expertise is in Credit and Foreign Exchange. Mr. Nayyar is endowed with leadership qualities and believes in team work.

Sh. Paras Chopda, Part–time Non-Official Director, assumed charge on 18th January’ 2013. He is an M.Com (Gold Medalist), LLB, AMIMA, AMSPI and FCA. He has been practicing as a Chartered Accountant since 1986. He was member of Finance Commission of Chattisgarh with minister of State rank. He was State Treasurer, State General Secretary and Spokesman of Chhattisgarh Pradesh Congress Committee and State Chief Convenor Election Management for the assembly election in 2003 & 2008 and for parliament in 2004 & 2009. He is an ex-Corporator of the Raipur Municipal Corporation and has been a Chairman of Revenue Committee

ljdkj d¨ Òst fn;k gSA

3- o"kZ ds nkSjku cSad d¢ eaMy esa gqbZ fu;qfä;ka / p;u o"kZ ds nkSjku fu;qä funs'kdksa dh lwph %

Ø- la-

funs'kd dk uke inuke fu;qfä frfFk

cSaddkjh daiuh ¼miØeksa dk vtZu

vkSj varj.k½ vf/kfu;e 1980

01. Jh ch- uS¸;j

dk;Zdkjh fUkns'kd

05.10.2012 /kkjk 9(3) (d) ds varxZr

02.Jh ih-,e-p¨iM+k

va'kdkfyd xSj&ljdkjh funs'kd

18.01.2013 /kkjk 9(3) (,p ) ds varxZr

4- o"kZ ds nkSjku cSad ls tkus okys funs'kd %o"kZ ds nkSjku cSad ls tkus okys funs'kdksa dh lwph %

Ø- la-

funs'kd dk uke inuke

vf/klwpuk dh frfFk @iwjs fd, x, dk;Zdky

cSaddkjh daiuh ¼miØeksa dk vtZu

vkSj varj.k½ vf/kfu;e 1980

01 Jh ,l-lh-flUgk

dk;Zdkjh fUkns'kd

31.07.2012 /kkjk 9(3) (d) ds varxZr

02

Jh ch- Jhfuokl

Òkjrh; fjtoZ cSad d¢ UkkfEkRkh fUkns'kd

31.03.2013

dks vf/kof"kZrk

/kkjk 9(3) (x) ds varxZr

5- funs'kdksa dk ifjp;

foŸkh; o"kZ 2012&13 ds nkSjku cSad ds funs'kd eaMy esa fu;qä rFkk dk;Zxzg.k djus okys funs'kdksa dk ifjp; fuEukuqlkj gS%

Jh ÒwfiUnj uS¸;j] dk;Zdkjh funs'kd us 5 vd~rwcj] 2012 d¨ dk;Zxzg.k fd;kA Jh uS¸;j dk tUe 13 twu] 1955 d¨ gqvkA Jh uS¸;j Jhjke dkyst vkQ+ dkelZ] ubZ fnYYkh ls dkWelZ esa Lukrd¨Ÿkj ¼,e-dkWe½ gSa A ;s ,y-,y-ch rFkk Hkkjrh; cSadlZ laLFkku ds ,lksfl,V ¼lh,vkbvkbch½ Òh gSaA Jh uS¸;j us 1977 esa cSad vkWQ bafM;k esa viuk dSfj;j vkjaHk fd;k A Jh uS¸;j ,d vuqHkoh cSadj rFkk _.k ekeyksa ds fo'ks"kK gSa A bUgksaus cSad ds fofHkUUk {ks=h; dk;kZy;ksa rFkk 'kk[kkvksa esa fofHkUUk inksa ij dk;Z fd;k gS A bUgksaus Hkkjr ds mŸkjh o if'Pkeh {ks=ksa esa dbZ LFkkuksa ij dk;Z fd;k gS A isfjl 'kk[kk esa bUgksaus lk<+s rhu o"kZ rd vf/kdkjh ds :i esa dk;Z fd;k A o"kZ 2008 esa bUgsa gk¡xdk¡x dsUæ ds phQ ,XthD;wfVo ds :i esa rSukr fd;k x;k A vizSy] 2010 esa iz/kku dk;kZy; esa yktZ dkWjiksjsV ds egkizca/kd ds :i esa inksUUkr gksus ls igys ;s Hkkjr esa eqacbZ okil vk x, A bUgsa _.k rFkk fons'kh eqæk fofue; ekeyksa esa fo'ks"kKrk izkIr gSA usr`Ro xq.k esa laiUUk Jh uS¸;j Vhe Hkkouk esa fo'okl j[krs gSaA

Jh ikjl p¨iM+k va'kdkfyd xSj&ljdkjh funs'kd us 18 tuojh ]2013 d¨ dk;Zxzg.k fd;kA ;s ,e-dkWe ¼Lo.kZ ind fotsrk½] ,y],ych] ,-,e-vkbZ-,e-,- ,,e,lihvkbZ rFkk ,,Qlh, gSaA ;s 1986 ls lunh ys[kkdkj ds :i esa ÁSfDVl dj jgs gSaA ;s NŸkhlx<+ esa foŸk vk;¨x ds lnL; Fks ftudk v¨gnk jkT; ea«kh d¢ led{k FkkA ;s jkT; d¨"kk/;{k¼Vªst+jkj½ ]jkT; egklfpo] v©j NŸkhlx<+ Áns'k dkaxzsl lfefr

67



and also member of various Committees of Raipur Municipal Corporation. He is the National President of the All India Quami Ekta Committee Youth wing (inaugurated by Late Smt. Indira Gandhiji) since 1989 and National President of Rajiv Gandhi Smirti Manch since 1991. He is also the President of Chhattisgarh Chartered Accountants of India (Regd.) since 1991, Treasurer of Cancer Society (Regd.) since 1990 and the State President of International Human Rights Protection Association. He is founder Director of Yugantar Public School and Yugantar Institute of Technology and Management. He is member of freedom fighter family and has visited USA & England as member of GSE Rotary International. He has also visited Thailand, Singapore, Malaysia, Dubai, France, Italy, Vatican, Germany, Switzerland, Austria and Nederland. He is a consultative editor of ANGOS (Association of NGOs) having General Consultative status of UN.

6. BOARD MEETINGSDuring the year 2012-13, 15 Board Meetings were held on:

April 30 2012, May 23 2012, June 27 2012, July 21 2012, July 30 2012, August 24 2012, September 14 2012, October 06 2012, October 25 2012, November 23 2012, December 29 2012, January 11 2013, January 25 2013, February 18 2013 and March 19, 2013.

The detail of the attendance of the Directors in the Board Meetings along with number of meetings held during their tenure is given elsewhere in the report.

7. COMMITTEE OF DIRECTORS / EXECUTIVESVarious Committees of Directors have been constituted in terms of Reserve Bank of India, Government of India directives in order to quicken decision-making, proper monitoring and follow-up of the various activities falling within their terms of reference. The important Committees of the Board are as under:

7.1 MANAGEMENT COMMITTEE OF THE BOARDPursuant to the directives of the Ministry of Finance, Government of India, the Management Committee of the Board is constituted by the Board of Directors in adherence to Clause 13 of the Nationalized Bank (Management and Miscellaneous Provision) Scheme, 1980 for considering various business matters namely sanctioning of credit proposals, loan compromise/write-off proposals, approval of capital and revenue expenditure, acquisition of premises, investments, donations etc. The Committee presently consists of Chairman & Managing Director, Executive Directors, RBI Nominee Director, Sh B Srinivas, Chartered Accountant Director, Sh. K S Sreenivasan and three non executive directors, Sh. C P Singh, Sh K H Pandey and Sh P B Santhanakrishnan on rotation basis for every six months.

In all, 12 meetings of the Management Committee were held during the year. The details of the attendance of the Directors in the Management Committee Meetings along with number of meetings held during their tenure are given elsewhere in the report.

d¢ Áoäk rFkk 2003 o 2008 d¢ fo/kkulÒk pquko rFkk 2004 o 2009 esa laln d¢ pquko d¢ fy, jkT; d¢ eq[; pquko Áca/k la;¨td jgsA ;s jk;iqj uxj fuxe d¢ ÒwriwoZ ik"kZn jgs rFkk jktLo lfefr d¢ v/;{k ,oa jk;iqj uxj fuxe dh fofÒé lfefr;ä d¢ lnL; Òh jgsA ;s 1989 ls vf[ky Òkjrh; d©eh ,drk lfefr ;qok Lda/k ¼ LoxhZ; Jherh bafnjk xka/kh }kjk vkjaÒ½ d¢ jk"Vªh; v/;{k v©j 1991 ls jktho xka/kh LEk`fr eap d¢ jk"Vªh; v/;{k Òh gSaA ;s 1991 ls Òkjrh; NŸkhlx<+ lunh ys[kkdkj lfefr ¼iath—r½ d¢ v/;{k- 1990 ls dSalj l¨lk;Vh ¼iath—r½ d¢ d¨"kk/;{k rFkk varjjk"Vªh; ekuokf/kdkj laj{k.k laÄ d¢ jkT; v/;{k gSaA ;s ;qxkarj ifCyd Ldwy rFkk ;qxkarj bafLVVÓwV vkWQ+ Vsyuky¨th ,.M eSustesaV d¢ laLFkkid funs'kd gSaA ;s Lora«krk lsukuh ifjokj d¢ lnL; gSa rFkk th,lbZ j¨Vjh baVjus'kuy d¢ lnL; d¢ :i esa bUgäus vejhdk rFkk b±XySaM dk n©jk fd;k gSA bUgäaus FkkbyS.M] Çlxkiqj] eysf'k;k] nqcbZ ]Ýkal] bVyh] osfVdu] teZuh] fLoVtjySaM] vkfLVª;k rFkk uhnjySaM dh ;k«kk,a dh gSa-A ;s la;qä jk"Vª dh tujy dalYVsfVo LRkj dh ,ut¨l ¼,uthv¨ dh ,l¨fl,'ku½ d¢ dalYVsfVo ,fMVj gSaA

6- e.My dh cSBdsa

o"kZ 2012&13 ds nkSjku] e.My dh 15 CkSBd¢a

30 vizSy] 2012] 23 ebZ] 2012] 27 twu] 2012] 21 tqykbZ] 2012] 30 tqykbZ] 2012] 24 vxLRk]2012] 14 flrEcj] 2012] 06 väwcj] 2012] 25 väwcj] 2012] 23 UkOkaCkj] 2012] 29 fnLkaCkj] 2012] 11 TkUkOkjh] 2013] 25 tuojh] 2013] 18 QjOkjh] 2013 ,Oka 19 EkkPkZ] 2013 dks gqbZa A

eaMy dh cSBdksa esa funs'kdksa dh mifLFkfr dk fooj.k muds dk;Zdky esa gqbZ cSBdksa dh la[;k ds lkFk bLk fjIkksVZ Ekas vU¸k«k fn¸kk Xk¸kk gS A

7- funs'kdksa@dk;Zikydksa dh lfefr

Hkkjrh; fjt+oZ cSad rFkk Hkkjr ljdkj ds funsZ'kkuqlkj] funs'kdksa dh fofHkUUk lfefr;ka xfBr dh xbZ gSa rkfd fu.kZ; ysus dh izfØ;k rhoz gks lds rFkk muds fopkjkFkZ fo"k;ksa ls lacaf/kr fofHkUUk dk;Zdykiksa dh mi;qä ekWuhVfjax rFkk vuqorhZ dk;Zokgh dh tk lds A eaMy dh egRoiw.kZ lfefr;ka fuEukuqlkj gSa %

7-1 eaMy dh izcU/k lfefr

foŸk ea=ky;] Hkkjr ljdkj ds ekxZfunsZ'kksa dk vuqlj.k djrs gq,] funs'kd eaMy }kjk jk"Vªh;—r cSad ¼izca/ku ,oa fofo/k izko/kku½ ;kstuk] 1980 ds [kaM 13 dk ikyu djrs gq, _.k izLrkoksa dh eatwjh] _.k leÖkkSrs@cV~Vs [kkrs Mkyus laca/kh izLrko] iwathxr ,oa jktLo O;;ksa dk vuqeksnu] ifjljksa dk vf/kxzg.k] fuos'k] nku vkfn tSls fofHkUUk dkjksckjh ekeyksa ij fopkj djus ds fy, eaMy dh izcU/k lfefr xfBr dh xbZ gSA bl lfefr esa bl le; v/;{k ,oa izcU/k fUkns'kd] nksUkksa dk;Zdkjh funs'kd] Hkkjrh; fjtoZ cSad ds ukferh funs'kd Jh Ckh- JhfUkOkkLk]lunh ys[kkdkj funs'kd Jh d¢-,l-Jhfuoklu rFkk rhu xSj&dk¸kZIkkYkd funs'kd] Jh lh-ih-Çlg] Jh d¢-,p-ik.Ms; RkFkk Jh ih-ch- laFkkuk—".ku 'kkfey gSa] tks IkzR¸ksd N% ekg d¢ fYk, jksVs'kUk vk/kkj Ikj gSaA

Ok"kZ d¢ nkSjkUk Áca/k LkfEkfRk dh dqYk 12 CkSBd¢a gqbZA izca/k LkfEkfRk dh CkSBdksa Eksa fUkns'kdksa dh mIkfLFkfRk dk fOkOkj.k vkSj mUkd¢ dk¸kZdkYk d¢ nkSjkUk gqbZ CkSBdksa dh Lka[¸kk bLk fjIkksVZ Eksa vU¸k«k nh XkbZ gSA

68



Ø- la-S.

No.

v/;{kCHAIRMAN

EkaMYk dh CkSBdBoard Meeting

eaMy dh izcU/k lfefrManagement Committee

of Board

eaMy dh ys[kkijh{kk lfefr Audit Committee of Board

Jh ,Lk-,Yk- CkaLkYkSh. S L Bansal

(01.04.12 – 31.03.13)

Jh ,Lk-,Yk- CkaLkYkSh. S L Bansal

(01.04.12 – 31.03.13)

Jh d¢-,Lk- JhfUkOkkLkUkSh. K S Sreenivasan(01.04.12-31.03.13)

funs'kd dk ukeName of the Director

vk;ksftr cSBdsa

MEETINGS HELD

fdruh cSBdksa esa Hkkx fy;kMEETINGS ATTENDED

vk;ksftr cSBdsa

MEETINGS HELD


vk;ksftr cSBdsa

MEETINGS HELD


1 Jh ,Lk-,Yk- CkaLkYkSh. S L Bansal (01.04.12 – 31.03.13)

15 15 12 11 YkkXkw UkghaN.A

-

2 Jh ,Lk-Lkh- fLkUgkSh. S. C. Sinha (01.04.12 –31.07.12)

5 5 4 4 3 3

3 Jh Okh- d..kUkSh. V Kannan (01.04.12 – 31.03.13)

15 15 12 12 10 10

4 Jh Ckh- UkS¸¸kjSh. B Nayyar (05.10.12 – 31.03.13)

8 8 6 6 6 6

5 LkqJh Js¸kk XkqgkMs. Sreya Guha (01.04.12 – 31.03.13)

15 7 YkkXkw UkghaN.A

- 10 4

6 Jh Ckh- JhfUkOkkLkSh. B Srinvas (01.04.12- 31.03.13)

15 13 12 11 10 9

7 Jh d¢-,Pk- Ikk.Ms¸kSh. K H Pandey (01.04.12-31.03.13)


-

8 Jh ,Lk-,Lk- f'k'kkSfn¸kkSh. S S Shishodia (01.04.12- 31.03.13)


-

9 Jh Lkh-Ikh- fLkagSh. C P Singh (01.04.12-31.03.13)


-

10 Jh d¢-,Lk- JhfUkOkkLkUkSh. K S Sreenivasan (01.04.12-31.03.13)

15 14 12 10 10 10

11 Jh Vh- OkfYYk¸kIIkUkSh. T Valliappan (01.04.12-31.03.13)

15 15 6 6 10 10

12 Mk- vkHkk PkRkqOksZnhDr Abha Chaturvedi (01.04.12-31.03.13)


-

13Jh Ikh-Ckh- LkaFkkUkk—".kUkSh. P B Santhanakrishnan (01.04.12-31.03.13)


-

14 Jh Ikh-,Ek- PkksIkM+kSh. P M Chopda (01.04.12-31.03.13)

3 3 YkkXkw UkghaN.A

- N.A -

YkkXkw Ukgha & LkfEkfRk d¢ LknL¸k Ukgha N-A: Not a Member of the Committeevk¸kksfTkRk CkSBd% fUkns'kd dh dk;Z vOkf/k d¢ nkSjkUk vk¸kksfTkRk CkSBdMeetings Held : Meeting Held during the tenure of the Director

69



7.2 AUDIT COMMITTEE OF BOARD The Audit Committee of Board has been constituted by the Bank as per the guidelines of the Reserve Bank of India, comprising of the following members:

1. Sh. K S Sreenivasan Chartered Accountant Director

2. Sh. V Kannan Executive Director

3. Sh. B Nayyar Executive Director

4. Ms. Sreya Guha Government of India Nominee Director

5. Sh. B Srinivas Reserve Bank of India Nominee Director

6. Sh. T Valliappan Shareholder Director

The meetings of the Committee are chaired by the Non Executive/Chartered Accountant Director, Sh K S Sreenivasan. The Committee met ten times during the year 2012-13. The main functions of the Audit Committee of Board are:The Audit Committee of Board provides directions, and also oversees the operations of the total audit functions of the Bank, which include organization, operationalisation and quality control of the internal audit and inspection system and follow up of the statutory/external audit of the Bank and Annual Financial Inspection by Reserve Bank of India.The Committee reviews internal inspection reports/audit functions, follow-up of all issues raised in the Long Form Audit Report (LFAR) and interacts with external auditors in respect of the LFAR. The Committee also reviews the compliance of accounting standards, reporting process, disclosure of financial information and compliance of other statutory requirements. It reviews the Management Audit Reports of the Bank, Internal Inspection Reports and its compliance. It also reviews inspection reports of branches with unsatisfactory ratings, besides reviewing the position of housekeeping and inter-branch reconciliation. It also focuses on un-reconciled long outstanding entries in inter-bank accounts and nostro accounts, arrears in balancing of books at various branches and any fraud perpetuated in the Bank.The Audit Committee of Board quarterly, half-yearly and annually reviews the results of the Bank and gives its recommendations to the Board. If any qualification is given by the Auditors in their report, discuss the same and report to the Board.The Company Secretary is the secretary to the Audit Committee of the Board in terms of provisions of Clause 49(II) of the Listing Agreement. The details of the attendance of the Directors in the Audit Committee Meetings along with number of meetings held during their tenure are given elsewhere in the report.

7.3 SHAREHOLDERS / INVESTORS GRIEVANCE COMMITTEE OF BOARD

The Bank has constituted this committee pursuant to Clause 49 of the Listing Agreement, with a view to monitor the activities of investor services provided by the Bank and it’s Share Transfer Agent. The Committee consists of part time Non-

7-2 eaMy dh ys[kkijh{kk lfefrHkkjrh; fjt+oZ cSad ds ekxZfunsZ'kksa ds vuqlj.k esa] funs'kd eaMy dh ys[kkijh{kk lfefr xfBr dh xbZ gS ftlesa fuEufyf[kr lnL; 'kkfey gSa%

1. Jh d¢-,Lk- JhfUkOkkLkUk LkUknh Yks[kkdkj fUkns'kd

2. Jh Okh- d..kUk dk¸kZdkjh fUkns'kd

3. Jh ch- uS¸;j dk;Zdkjh funs'kd

4. LkqJh Js¸kk Xkqgk HkkjRk Lkjdkj dh UkkfEkRkh fUkns'kd

5. Jh Ckh- JhfUkOkkLk HkkjRkh¸k fjTk+OkZ CkSad d¢ UkkfEkRkh fUkns'kd

6. Jh Vh- OkfYYk¸kIIkUk 'ks¸kj/kkjd fUkns'kd

bl lfefr dh cSBd dh v/;{krk xSj&dk;ZIkkYkd@lunh ys[kkdkj funs'kd Jh d¢-,l- Jhfuoklu }kjk dh tkrh gSA o"kZ 2012&13 d¢ n©jku lfefr dh nl cSBd¢a gqb±A

eaMy dh ys[kkijh{kk lfefr d¢ eq[; dk;Z fuEukuqlkj gSa%

eaMy dh ys[kkijh{kk lfefr fn'kkfunsZ'k nsus ds lkFk&lkFk cSad ds laiw.kZ ys[kkijh{kk dk;ks± dks Hkh ns[krh gS] ftuesa laxBu] ifjpkyu] vkarfjd ys[kkijh{kk vkSj fujh{k.k Ik)fRk ds Xkq.kOkŸkk fu;a=.k rFkk cSad dh lkafof/kd @cká ys[kkijh{kk rFkk Hkkjrh; fjt+oZ cSad }kjk fd, tkus okys okÆ"kd foŸkh; fujh{k.k ij vuqorhZ dkjZokbZ djuk 'kkfey gS A

;g lfefr vkarfjd fujh{k.k fjiksVks±@ys[kkijh{kk dk;ks± dk iqujh{k.k djrh gS RkFkk ykax QkWeZ vkfMV fjiksVZ ¼,y-,Q-,-vkj-½ esa mBk, x, lHkh eqÌksa ij vuqorhZ dkjZokbZ djrh gS vkSj yk¡x QkeZ vkWfMV fjiksVZ ds laca/k esa ckgjh ys[kkijh{kdksa ls laidZ djrh gS A

lfefr ys[kkadu ekunaMksa] fjiksÉVx i)fr] foŸkh; lwpukvksa ds izdVu ,oa vU; lkafof/kd vis{kkvksa ds vuqikyu dh Hkh leh{kk djrh gS A

;g lfefr cSad dh izca/k ys[kkijh{kk fjiksVks± vkSj vkarfjd fujh{k.k fjiksVks± o muds vuqikyu dh iqujh{kk djrh gSA ;g vkarfjd O¸kOkLFkk rFkk varj&'kk[kk lek/kku dh fLFkfr dk iqujh{k.k djus ds lkFk&lkFk vlarks"ktud jsÇVx okyh 'kk[kkvksa dh fjiksVks± dh iqujh{kk Hkh djrh gS A

;g varj cSad [kkrä rFkk u¨LVª¨ [kkrä esa dkQh le; ls feyku u dh xbZ Áfof"V;ä ]fofÒé 'kk[kkvä esa cfg;ä d¢ feyku d¢ cdk;k rFkk cSad esa gqbZ /k¨[kk/kM+h ij Òh /;ku nsrh gSA

eaMy dh ys[kkijh{kk lfefr cSad d¢ frekgh] Nekgh o okf"kZd ifj.kkeä dh leh{kk djrh gS v©j eaMy d¨ viuh laLRkqfr nsrh gSA ;fn ys[kkijh{kdä }kjk viuh fji¨VZ esa d¨bZ 'krZ j[kh tkrh gS r¨ bl ij ppkZ djrh gS v©j eaMy d¨ bldh lwpuk nsrh gSA

dEiuh lfpo] lwphdj.k djkj ds [kaM 49(II) ds izko/kkuksa ds vuqlkj eaMy dh ys[kkijh{kk lfefr dk lfpo gS A

Yks[kkIkjh{kk LkfEkfRk dh CkSBdksa Eksa fUkns'kdksa dh mIkfLFkfRk dk fOkOkj.k vkSj mUkd¢ dk¸kZdkYk d¢ nkSjkUk gqbZ CkSBdksa dh Lka[¸kk bLk fjIkksVZ Eksa vU¸k«k nh XkbZ gSA

7-3 eaMy dh 'ks;j/kkjd@fuos'kd f'kdk;r lfefr

cSad vkSj mlds 'ks;j gLrkarj.k ,tsaV }kjk iznku dh tk jgh fuos'kd lsokvksa dks ekWfuVj djus ds mÌs'; ls cSad }kjk bl lfefr dk xBu LkwPkhdj.k djkj d¢ [k.M 49 d¢ vUkqLkj.k Eksa fd;k x;k gSA bl lfefr ds v/;{k ds :i esa va'kdkfyd xSj&ljdkjh@Lora= funs'kd Jh lh-

70



official/independent Director, Sh C P Singh, as the Chairman of the Committee and two other non-executive directors, Sh. S S Shishodia & Sh. T Valliappan apart from Chairman and Managing Director and Executive Directors as the members. The Committee met four times in the year and looked after the redressal of shareholders and Investors complaints like non receipt of Balance Sheets, Transfer of Shares, non receipt of dividend declared, status of Tier-II Bond holding etc.

S. No. Date of Meetings Members (Present in the meeting)

Absent

1 20.04.12 1. C.P.Singh2. S L Bansal3. S . C. Sinha4. V Kannan5. S S Shishodia 6.T Valliappan

Nil

2 21.07.12 1. C.P.Singh2. S L Bansal3. S . C. Sinha4. V Kannan5. S S Shishodia 6.T Valliappan

Nil

3 06.10.12 1. C.P.Singh2. S L Bansal3. V Kannan4.B Nayyar5. S S Shishodia 6.T Valliappan

NIL

4 24.01.13 1. C.P.Singh2. S L Bansal3. V Kannan4. B Nayyar5. S S Shishodia 6.T Valliappan

NIL

7.4 IT STRATEGY COMMITTEE OF BOARDThe Committee is constituted to review the implementation of IT projects of the Bank. Pursuant to RBI Working Group Information Security recommendations vide Circular No. RBI/2010-11/494 DBS.CO.ITC.BC. No.6/31.02.2008/2010-2-11 dated 29.04.2011, IT Committee of the Board was renamed as IT Strategy Committee in the Board Meeting dated 30.01.2012.The Committee comprises of Chairman and Managing Director, Executive Directors, Sh K H Pandey, Dr. Abha Chaturvedi and Sh. P B Santhanakrishnan, Directors of the Bank. The Committee is headed by Sh. P B Santhanakrishnan. During the year IT Committee met four times.

ih-Çlg] rFkk lnL; ds :i esa v/;{k ,oa izcU/k funs'kd] dk;Zdkjh funs'kdksa ds vykok nks vU; xSj&dk;Zikyd funs'kd Jh ,l-,l- f'k'k©fn;k ,Oka Jh Vh-ofy;Iiu gSaA bl lfefr dh o"kZ esa pkj cSBdsa gqbZ vkSj bl lfefr us rqyu&i= izkIr u gksus] 'ks;jksa ds gLrkarj.k] ?kksf"kr ykHkka'k izkIr u gksus] Vh;j-II ck.M /kkfjrk dh fLFkfr vkfn tSlh 'ks;j] /kkjdksa rFkk fuos'kdksa dh f'kdk;rksa dks nwj djus laca/kh ekeys ns[ksA

Ø-Lka- CkSBd dh Rkkjh[k LknL¸k ¼cSBd esa mifLFkr½

vUkqIkfLFkRk

1 20.04.12 1- lh-ih-Çlg2- ,l-,y-caly3- ,Lk-Lkh- fLkUgk4- Okh- d..kUk5- ,l-,l-f'k'k©fn;k6- Vh-ofy;Iiu

'kwU¸k

2 21.07.12 1- lh-ih-Çlg2- ,l-,y-caly3- ,Lk-Lkh- fLkUgk4- Okh- d..kUk5- ,l-,l-f'k'k©fn;k6- Vh-ofy;Iiu

'kwU¸k

3 06.10.12 1- lh-ih-Çlg2- ,l-,y-caly3- Okh- d..kUk4- ch- uS¸;j5- ,l-,l-f'k'k©fn;k6- Vh-ofy;Iiu

'kwU¸k

4 24.01.13 1- lh-ih-Çlg2- ,l-,y-caly3- Okh- d..kUk4- ch- uS¸;j5- ,l-,l-f'k'k©fn;k6- Vh-ofy;Iiu

'kwU¸k

7-4 e.My dh lwpuk izkS|ksfxdh dk;Zuhfr lfefrcSad dh lwpuk izkS|ksfxdh ifj;kstukvksa ds dk;kZUo;u dh leh{kk gsrq bl lfefr dk xBu fd;k x;k gSA Òkjrh; fjt+oZ cSad lwpuk Á©|¨fxdh dk;Zny }kjk fnukad 29.04.2011 d¢ ifji«k la-ÒkfjcS@2012-11@494 Mhch,l-lhv¨-vkbZVhlh-chlh-la 6@31-02-2008@2010-2-11 dh laLRkqfr d¢ vuqdj.k esa eaMy dh fnuakd 30-01-2012 dh cSBd esa eaMy dh lwpuk Á©|¨fxdh lfefr d¨ e.My dh lwpuk izkS|ksfxdh dk;Zuhfr lfefr dk u;k uke fn;k x;kA bl lfefr esa v/;{k ,oa izcU/k funs'kd] nksUkksa dk;Zdkjh funs'kd] CkSad d¢ fUkns'kd Jh d¢-,p-ik.Ms;]Mk0 vkÒk prqosZnh vkSj Jh ih-ch- laFkkuk—".ku 'kkfEkYk gSaA Jh ih-ch-laFkkuk—".ku lfefr d¢ v/;{k gSaA o"kZ ds nkSjku lwpuk izkS|ksfxdh lfefr dh pkj cSBdsa gqbZA

71



S. No.

Date of Meetings

Members (Present in the meeting)

Absent

1 13.06.12

1. P.B Santhanakrishnan2.S L Bansal3. S .C.Sinha4.V Kannan 5. K H Pandey6.Dr.Abha Chaturvedi

Nil

2 23.08.12

1. P.B Santhanakrishnan2.S L Bansal3. V Kannan4. Dr.Abha Chaturvedi

K H Pandey

3 23.11.12

1. P.B Santhanakrishnan2.S L Bansal3. V Kannan4. B Nayyar5. K H Pandey6.Dr.Abha Chaturvedi

NIL

4 18.02.13

1. P.B Santhanakrishnan2.S L Bansal3. V Kannan4. B Nayyar5. K H Pandey6.Dr.Abha Chaturvedi

NIL

7.5 SUPERVISORY COMMITTEE OF DIRECTORS ON RISK MANAGEMENT

In view of the importance of monitoring implementation of guidelines under risk management and BASEL-II as emphasized by Reserve Bank of India, the Bank has formed a Board level committee comprising Chairman & Managing Director, Executive Directors, S/Shri K. H. Pandey, C. P. Singh and K. S. Sreenivasan, the directors of the Bank. The Committee met as per prescribed frequency of four times during the year. The Committee reviews the three important risk functions viz. Credit Risk, Market Risk and Operational Risk and takes an integrated view of the subject. Suitable directions required, if any, are issued by the Committee for compliance.

S. No.

Date of Meetings Members (Present in the meeting)

Absent

1 22.05.12 1.S L Bansal2. S.C Sinha3. V.Kannan4. K.H.Pandey5.K S Sreenivasan

C. P. Singh

2 21.07.12 1.S L Bansal2. S.C Sinha3. V.Kannan4. K.H.Pandey5. C.P Singh6.K S Sreenivasan

NIL

Ø Lka-

CkSBd dh Rkkjh[k

LknL¸k ¼cSBd esa mifLFkr½

vUkqIkfLFkRk

1 13.06.12

1- ih-ch-laFkkuk—".ku2 ,l-,y-caly3- ,Lk-Lkh- fLkUgk4- Okh- d..kUk5- d¢-,Pk- IkkaMs¸k6- Mk- vkÒk prqosZnh

'kwU¸k

2 23.08.12

1- ih-ch-laFkkuk—".ku2 ,l-,y-caly3- Okh- d..kUk4 Mk- vkÒk prqosZnh

d¢-,Pk- IkkaMs¸k

3 23.11.12

1- ih-ch-laFkkuk—".ku2 ,l-,y-caly3 Okh- d..kUk4- ch-uS¸;j5- d¢-,Pk- IkkaMs¸k6- Mk- vkÒk prqosZnh

'kwU¸k

4 18.02.13

1- ih-ch-laFkkuk—".ku2 ,l-,y-caly3- Okh- d..kUk4- ch-uS¸;j5- d¢-,Pk- IkkaMs¸k6- Mk- vkÒk prqosZnh

'kwU¸k

7-5 tksf[ke izcU/ku ij funs'kdksa dh i;Zos{kh lfefrtSlk fd Hkkjrh; fjtoZ cSad }kjk tksj fn;k x;k gS] tksf[ke izca/ku vkSj cklsy-II ds ekxZfunsZ'kksa ds dk;kZUo;u dks ekuhVj djus dh egŸkk dks /;ku esa j[krs gq,] cSad us eaMy Lrj dh lfefr dk xBu fd;k gS ftlesa v/;{k ,oa izca/k funs'kd] nksUkksa dk;Zdkjh funs'kd] CkSad d¢ funs'kd loZJh d¢-,Pk- Ikk.Ms¸k lh-ih-Çlg]rFkk d¢-,l-Jhfuoklu gSaA bl lfefr dh fu/kkZfjr vkof/kdrk ds vuqlkj o"kZ ds nkSjku Pkkj cSBdsa gqbZaA ;g lfefr rhu egRoiw.kZ tksf[keksa dh leh{kk djrh gS vFkkZr~ _.k tksf[ke] cktkj tksf[ke vkSj ifjpkyu tksf[ke rFkk bl fo"k; ij lefUor n`f"Vdks.k viukrh gSaA lfefr }kjk mi;qä funsZ'k] ;fn vko';d gks] vuqikyu gsrq tkjh fd, tkrs gSaA

Ø Lka- CkSBd dh Rkkjh[k LknL¸k ¼cSBd esa mifLFkr½ vUkqIkfLFkRk1 22.05.12 1- ,l-,y-caly

2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- d¢-,Pk- IkkaMs¸k5- d¢-,l-Jhfuoklu

lh-ih-Çlg

2 21.07.12 1- ,l-,y-caly 2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- d¢-,Pk- IkkaMs¸k5- lh-ih-Çlg6- d¢-,l- Jhfuoklu

'kwU¸k

72



3 06.10.12 1.S L Bansal2. V.Kannan3. B.Nayyar4. K.H.Pandey5. C.P Singh6.K S Sreenivasan

NIL

4 18.02.13 1.S L Bansal2. V.Kannan3. B.Nayyar4. K.H.Pandey5. C.P Singh6.K S Sreenivasan

NIL

7.6 SPECIAL COMMITTEE OF BOARD ON LARGE VALUE FRAUDS

Special Committee of Board for monitoring of large value frauds involving amounts of Rupees One Crore and above was constituted as per the directions of Reserve Bank of India vide Circular dated 14.01.2004. The Committee is headed by the Chairman & Managing Director and consists of Executive Directors, Government of India Nominee Director, Ms. Sreya Guha and two other non-executive Directors, Sh. T. Valliappan and Sh P. B. Santhanakrishnan. The Committee met four times during the year.

S. No.

Date of Meetings


Absent

1 23.05.12 1. S L Bansal2. S C Sinha 3. V Kannan4. T.Valliappan5. P.B Santhanakrishnan

Sreya Guha

2 21.07.12 1. S L Bansal2. S C Sinha 3. V Kannan4. Sreya Guha5. T.Valliappan6. P.B Santhanakrishnan

Nil

3 23.11.12 1. S L Bansal2. V Kannan3. B Nayyar4. Sreya Guha5. T.Valliappan6. P.B Santhanakrishnan

Nil

4 19.03.13 1. S L Bansal2. V Kannan3. B Nayyar4. T.Valliappan5. P.B Santhanakrishnan

Sreya Guha

7.7 COMMITTEE OF BOARD ON CUSTOMER SERVICE IN BANK

The Committee was constituted to bring about ongoing improvements in the customer service provided by the Bank, in terms of Reserve Bank of India Circular dated 14.08.2004. It oversees the Standing Committee on Customer Service

3 06.10.12 1- ,l-,y-caly 2- Okh- d..kUk3- ch- uS¸;j4- d¢-,Pk- IkkaMs¸k5- lh-ih-Çlg6- d¢-,l-Jhfuoklu

'kwU¸k

4 18.02.13 1- ,l-,y-caly 2- Okh- d..kUk3- ch- uS¸;j4- d¢-,Pk- IkkaMs¸k5- lh-ih-Çlg6- d¢-,l-Jhfuoklu

'kwU¸k

7-6 vR;f/kd cM+h jkf'k dh /kks[kk/kM+h ij e.My dh fo'ks"k lfefr,d djksM+ #i;s vkSj blls vf/kd dh vR;f/kd cM+h jkf'k dh /kks[kk/kM+h dks ekWfuVj djus gsrq Hkkjrh; fjtoZ cSad ds fnukad 14-01-2004 d¢ ifji«k ds vuqlkj eaMy dh ,d fo'ks"k lfefr dk xBu fd;k x;kA ;g lfefr v/;{k ,oa izcU/k funs'kd dh v/;{krk esa dk;Z djrh gS ftlesa nksUkksa dk;Zdkjh funs'kd] Òkjr ljdkj dh ukferh funs'kd lqJh Js;k xqgk rFkk nks vU; xSj&dk;Zikyd funs'kd Jh Vh- ofy;Iiu vkSj Jh ih-ch-laFkkuk—".ku 'kkfey gSaA o"kZ ds nkSjku lfefr dh pkj cSBdsa gqbZaA

Ø Lka-

CkSBd dh Rkkjh[k


vUkqIkfLFkRk

1 23.05.12 1- ,l-,y-caly2- ,Lk-Lkh- fLkUgk 3- Okh- d..kUk4- Vh- OkfYYk¸kIIkUk5- ih-ch-laFkkuk—".ku

Js;k xqgk

2 21.07.12 1- ,l-,y-caly2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- Js;k xqgk5- Vh- OkfYYk¸kIIkUk6- ih-ch-laFkkuk—".ku

'kwU;

3 23.11.12 1- ,l-,y-caly2- Okh- d..kUk3 ch- uS¸;j4- Js;k xqgk5- Vh- OkfYYk¸kIIkUk6- ih-ch-laFkkuk—".ku

'kwU;

4 19.03.13 1- ,l-,y-caly2- Okh- d..kUk3 ch-uS¸;j4- Vh- OkfYYk¸kIIkUk5- ih-ch-laFkkuk—".ku

Js;k xqgk

7-7 cSad esa xzkgd lsok ij eaMy dh lfefr

Hkkjrh; fjtoZ cSad ds fnukad 14-08-2004 d¢ ifji«k ds vuqlkj cSad }kjk iznku dh tk jgh xzkgd lsok dks fujarj csgrj cukus dh n`f"V ls bl lfefr dk xBu fd;k x;k FkkA ;g xzkgd lsok laca/kh LFkk;h lfefr dh ns[kjs[k djrh gS rFkk lfefr }kjk fy, x, uo¨Ues"k dk;¨±

73



and review/modify the initiatives taken by the Committee. It also reviews the compliances of directions given by the Committee on Procedures and Performance Audit on Public Services (CPPAPS) and also suggests innovative measures for enhancing the quality of service and improving the level of customer satisfaction for all categories of clientele. The Committee comprises of Chairman and Managing Director, Executive Directors, S/Sh. S. S. Shishodia, Dr. Abha Chaturvedi and P. B. Santhanakrishnan, non-executive Directors of the Bank. During the year the Committee met as per prescribed frequency of four times.

S. No.

Date of Meetings


Absent

1 13.06.12 1. S L Bansal2.S.C .Sinha3. V.Kannan4. S.S.Shishodia5. Dr.Abha Chaturvedi6.Sh.P B Santhanakrishnan

NIL

2 23.08.12 1. S L Bansal2. V.Kannan 3. Dr.Abha Chaturvedi4. Sh.P B Santhanakrishnan

S.S.Shishodia

3 28.12.12 1. S L Bansal2. V.Kannan 3. B.Nayyar 4. Dr.Abha Chaturvedi5. Sh.P B Santhanakrishnan

S.S.Shishodia

4 18.03.13 1. S L Bansal2. V.Kannan 3. B.Nayyar 4. S.S.Shishodia5. Dr.Abha Chaturvedi6.Sh.P B Santhanakrishnan

NIL

7.8 REMUNERATION COMMITTEE OF BOARD A Remuneration Committee was constituted to evaluate the performance-linked incentive of the Chairman & Managing Director and Executive Director/s as per the notification No. 20/1/2005-Bo.I dated 09.03.2007 from Ministry of Finance, Government of India, consisting of Govt. of India Nominee Director, Ms. Sreya Guha, RBI Nominee Director, Sh. B Srinivas and two other independent directors, Sh. T Valliappan & Dr. Abha Chaturvedi. During the year under review, one meeting was held on 27.06.2012.

S. No. Date of Meetings Members (Present in the meeting) Absent

1 27.06.12 1. Sreya Guha2. B. Srinivas 3. T Valliappan4. Dr. Abha Chaturvedi

Nil

7.9 NOMINATION COMMITTEE“Nomination Committee” was constituted vide Reserve Bank of India notification DBOD.BC.No.46/29.39.001/2007-08 dated November 1, 2007 in exercise of powers conferred on it under subsections (3AA) and (3AB) of Section 9 of the Banking Companies (Acquisition & Transfer of Undertakings) Act,

dh leh{kk@la'k¨/ku djrh gSA ;g LkkOkZTkfUkd LksOkkvksa LkaCka/kh IkzfØ¸kk vkSj dk¸kZ&fUk"IkknUk Yks[kkIkjh{kk LkfEkfRk ¼lhihih,ih,l½ }kjk fn, x, funsZ'k¨a ds vuqikyu dh Hkh leh{kk djrh gSS vkSj lsok dh xq.koŸkk c<+kus rFkk lHkh oxks± ds xzkgdksa dh larqf"V d¢ LRkj Eksa Lkq/kkj YkkUks d¢ fYk, dne Hkh mBkrh gSA bl lfefr esa v/;{k ,oa izcU/k funs'kd] dk;Zdkjh funs'kd] LkOkZJh ,l-,l-f'k'k©fn;k] Mk0 vkÒk prqosZnh vkSj ih-ch-laFkkuk—".ku] CkSad d¢ xSj dk;Zikyd fUkns'kd 'kkfEkYk gSaA o"kZ ds nkSjku lfefr dh fu/kkZfjr vkof/kdrk ds vuqlkj pkj cSBdsa gqbZA

Ø Lka-

CkSBd dh Rkkjh[k


vUkqIkfLFkRk

1 13.06.12 1- ,l-,Yk- CkaLkYk2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- ,l-,l-f'k'k©fn;k5- MkW- vkHkk PkRkqOksZnh6- Jh Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

2 23.08.12 1- ,Lk-,Yk- CkaLkYk2- Okh- d..kUk3- MkW- vkHkk PkRkqOksZnh4- Jh Ikh-Ckh- LkaFkkUkk—".kUk

,Lk-,Lk- f'k'k©fn;k

3 28.12.12 1- ,Lk-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- Mk- vkHkk PkRkqOksZnh5- Jh Ikh-Ckh- LkaFkkUkk—".kUk

,Lk-,Lk- f'k'k©fn;k

4 18.03.13 1- ,Lk-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- ,Lk-,Lk- f'k'k©fn;k5- MkW- vkHkk PkRkqOksZnh6- Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

7-8 eaMy dh ikfjJfed lfefr

foŸk ea=ky;] Hkkjr ljdkj dh vf/klwpuk la- 20@1@2005 chv¨-1 fnukad 09-03-2007- ds vuqlkj v/;{k ,oa izca/k funs'kd rFkk dk;Zdkjh funs'kdksa ds dk;Z&fu"iknu vk/kkfjRk izksRlkgu dk fUk/kkZj.k djus gsrq ikfjJfed lfefr dk xBu fd;k x;k Fkk] ftlesa Hkkjr ljdkj dh ukferh funs'kd lqJh Js;k xqgk] Hkkjrh; fjtoZ cSad ds ukferh funs'kd Jh ch- Jhfuokl ,oa nks vU; LOkRka«k funs'kd Jh Vh-ofy;Iiu vkSj MkW0 vkÒk prqosZnh gSaA vkyksP; o"kZ esaa lfefr dh ,d cSBd 27-06-2012 dks gqbZA

Ø-la- cSBd dh rkjh[k lnL; ¼CkSBd Eksa mIkfLFkRk½ vuqifLFkr

1 27.06.12 1- Js;k xqgk2- ch-Jhfuokl3- Vh- OkfYYk¸kIIkUk4- MkW- vkHkk PkRkqOksZnh

'kwU;

7-9 ukekadu lfefr

**ukekadu lfefr** dk XkBUk] cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e 1970@80 dh /kkjk 9¼3½¼Ök½ ds varxZr jk"Vªh;—r cSadksa ds eaMyksa ij pqus x, ekStwnk funs'kdksa@funs'kd ds :i esa pqus tkus okys O;fä ds fy, l{ke o mi;qä ekun.M fu/kkZfjr@fUkf'PkRk

74



1970/1980 for laying down/determine ‘Fit & Proper’ Criteria for existing elected directors/the person to be elected as a director under Sec 9 (3)(i) of the of Banking Companies (Acquisition and Transfer of undertakings) Act 1970/80 on the Boards of Nationalized Banks. The Committee comprised of the three non-executive Directors, viz., Government of India Nominee Director, Smt. Sreya Guha, Chartered Accountant Director, Sh. K S Sreenivasan and Part-time Non-Official Director, Sh. C P Singh. The Committee was headed by Smt. Sreya Guha, Govt. of India Nominee Director. During the year under review, one meeting was held on 06.10.2012

S. No. Date of Meeting Members (Present in the

meeting) Absent

1 06.10.2012 1. Sreya Guha2. K S Sreenivasan3. C P Singh

Nil

7.10 CREDIT APPROVAL COMMITTEEPursuant to the Department of Financial Services, Ministry of Finance, Government of India Gazette Notification No.13/1/2006–BO.I dated 05.12.2011 and Government of India clarification letters dated 31.01.2012 and 13.03.2012, the Credit Approval Committee of the Board has been constituted with the approval of the Board of Directors in the Board Meeting dated 27.12.2011 for considering various business matters namely sanctioning of credit proposals (funded and non-funded) and loan compromise/write-off proposals with the delegated powers of Rs. 250 crore for the maximum exposure to single borrower. The Committee presently consists of Chairman & Managing Director, Executive Directors, General Manager in-charge of the Large Corporate Credit, General Manager in-charge of the Mid Corporate Credit, General Manager in-charge of the Priority Sector Credit, General Manager in-charge of Accounts/CFO, General Manager in-charge of Risk Management. In all, 34 meetings of the Credit Approval Committee were held during the year on 2012-13.

7.11 HR COMMITTEEPursuant to the Department of Financial Services, Ministry of Finance, Government of India Gazette Notification No. F.No.9/18/2009-IR dated 21st March 2012 relating to the constitution of the HR Committee of the Board in all Public Sector Banks, HR Committee has been constituted by the Board of Directors in the Board Meeting dated 27.03.2012 in order to provide interaction between unions/ associations and the management and also to consider various HR related issues. The Committee is comprised of Chairman and Managing Director, Executive Directors, Government of India Nominee Director, Smt. Sreya Guha and Dr Abha Chaturvedi, Sh. K H Pandey and Sh. S S Shishodia, Directors of the Bank. During the year the Committee met as per prescribed frequency of four times.

djus ds fy, cSaddkjh daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e 1970@80 dh /kkjk 9 3(i) ds varxZr iznŸk 'kfä;ksa dk iz;ksx djrs gq, Hkkjrh; fjtoZ cSad dh 01 uoacj] 2007 dh vf/klwpuk MhchvksMh-chlh-la046@29-39-001@2007&08 }kjk fd¸kk Xk¸kkA lfefr esa rhu xSj&dk;Zikyd funs'kd vFkkZr~ Òkjr ljdkj dh ukferh funs'kd lqJh Js;k xqgk] PkkVZMZ vdkmaVsaV fUkns'kd Jh d¢-,Lk- JhfUkOkkLkUk rFkk va'kdkfyd xSj ljdkjh funs'kd Jh Lkh-Ikh- fLkag gSaA lfefr dh v/;{krk HkkjRk Lkjdkj dh UkkfEkRkh fUkns'kd JhEkRkh Js¸kk Xkqgk }kjk dh xbZA

vkyksP; o"kZ ds nkSjku lfefr dh 06-10-2012 d¨ ,d CkSBd gqbZA

Ø-la- cSBd dh rkjh[k lnL; ¼CkSBd Eksa mIkfLFkRk½ vuqifLFkr

1 06.10.2012 1- Js;k xqgk2- d¢-,Lk- Jhfuoklu3- Lkh-Ikh- fLkag

'kwU;

7-10 _.k vUkqEkksnUk LkfEkfRk

fOkÙkh¸k LksOkk,a fOkHkkXk] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj d¢ jkTkIk«k vf/kLkwPkUkk Lka0 13@1@2006&Ckhvks-1 fnUkkad 05-12-2011 RkFkk HkkjRk Lkjdkj d¢ LIk"Vhdj.k Ik«k fnUkkad 31-01-2012 Ok 13-03-2012 d¢ vUkqLkj.k Eksa EkaMYk dh fnUkkad 27-12-2011 dks gqbZ CkSBd Eksa fUkns'kd EkaMYk ds vuqeksnu ls] fOkfHkUUk dkjksCkkjh EkkEkYkksa vFkkZRk~ ,dYk m/kkjdRkkZ dks 250 djksM+ :Ik, d¢ vf/kdRkEk ,DlIkksTkj gsRkq IkzR¸kk¸kksfTkRk vf/kdkjksa d¢ LkkFk _.k IkzLRkkOkksa ¼fUkf/kd Ok XkSj fUkf/kd½ dks EkaTkwj djUks RkFkk _.k LkEkÖkkSRkk@CkÍs [kkRks MkYkUks d¢ IkzLRkkOkksa Ikj fOkPkkj djUks d¢ fYk, EkaMYk dh _.k vUkqEkksnUk LkfEkfRk dk XkBUk fd¸kk Xk¸kk gSA bl lfefr esa bl le; v/¸k{k ,Oka IkzCkU/k fUkns'kd] dk¸kZdkjh fUkns'kd] CkM+s dkjIkksjsV _.k d¢ IkzHkkjh EkgkIkzCkU/kd] Ek/¸k dkjIkksjsV _.k d¢ IkzHkkjh EkgkIkzCkU/kd] IkzkFkfEkdRkk {ks«k _.k d¢ IkzHkkjh EkgkIkzCkU/kd] Yks[kk d¢ EkgkIkzCkU/kd@Ekq[¸k fOkÙkh¸k vf/kdkjh] Tkksf[kEk IkzCkU/kUk d¢ IkzHkkjh EkgkIkzCkU/kd 'kkfEkYk gSaA

Ok"kZ 2012&13 d¢ nkSjkUk _.k vUkqEkksnUk LkfEkfRk dh dqYk 34 CkSBd¢a gqbZ A

7-11 EkkUkOk LkaLkk/kUk LkfEkfRk

LkHkh Lkjdkjh CkSadksa Eksa EkaMYk dh EkkUkOk LkaLkk/kUk LkfEkfRk d¢ XkBUk d¢ Ckkjs Eksa fOkÙkh¸k LksOkk,a fOkHkkXk] fOkÙk Eka«kkYk¸k] HkkjRk Lkjdkj dh jkTkIk«k vf/kLkwPkUkk ,Q Uka0 9@18@2009&vkbZ vkj fnUkkad 21 ekpZ] 2012 ds vuqlj.k esa funs'kd eaMy }kjk eaMy dh 27-03-2012 dks gqbZ CkSBd Eksa ¸kwfUk¸kUk@,LkksfLk,'kUkksa RkFkk IkzCka/k OkXkZ d¢ CkhPk IkjLIkj LkaCka/k CkUkkUks d¢ fYk, RkFkk fOkfHkUUk EkkUkOk LkaLkk/kUk LkaCka/kh EkqÌksa Ikj fOkPkkj djUks d¢ fYk, EkkUkOk LkaLkk/kUk LkfEkfRk CkUkkbZ XkbZ A bLk LkfEkfRk Eksa v/¸k{k ,Oka IkzCkU/k fUkns'kd] dk¸kZdkjh fUkns'kd] HkkjRk Lkjdkj dh UkkfEkRkh fUkns'kd JhEkRkh Js¸kk Xkqgk RkFkk CkSad d¢ fUkns'kd Mk0 vkHkk PkRkqOksZnh] Jh d¢-,Pk- Ikk.Ms¸k RkFkk Jh ,Lk-,Lk- f'k'kkSfn¸kk 'kkfEkYk gSaA Ok"kZ d¢ nkSjkUk fUk/kkZfjRk LkEk¸kkOkf/k d¢ vUkqLkkj LkfEkfRk dh Pkkj CkSBd¢a gqbZ A

75



S. No.

Date of Meetings


Absent

1 27.06.12 1. S L Bansal2.S.C .Sinha3. V.Kannan4.Sreya Guha5. Dr.Abha Chaturvedi6.K H Pandey

S.S.Shishodia

2 14.09.12 1. S L Bansal2. V.Kannan3. Sreya Guha4. Dr.Abha Chaturvedi5. K H Pandey6. S.S.Shishodia

Nil

3 29.12.12 1. S L Bansal2. V.Kannan3. B.Nayyar4. Sreya Guha5. Dr.Abha Chaturvedi6.K H Pandey

S.S.Shishodia

4 19.03.13 1. S L Bansal2. V.Kannan3. B.Nayyar4. Dr.Abha Chaturvedi5. K H Pandey6. S.S.Shishodia

Sreya Guha

7.12 PR & PUBLICITY COMMITTEEThe PR & Publicity Committee was constituted pursuant to directions of the Board vide Item No. 61 in the meeting dated 30.04.2012. The Committee is comprised of Chairman and Managing Director, Executive Directors, two non-executive directors, Sh. K S Sreenivasan and Sh. P B Santhanakrishnan. The Committee formulates the Strategy Plan for improving the Public Relation image of the Bank and focus on strong brand building exercise of the Bank. It also suggests various measures for improvement of visibility of the Bank in various states. During the year the Committee met as per prescribed frequency of four times.

S. No.


Absent

1 13.06.12 1. S L Bansal2.S.C .Sinha3. V.Kannan4.K S Sreenivasan5. P B Santhankrishnan

Nil

2 24.08.12 1. S L Bansal2. V.Kannan3. K S Sreenivasan4. P B Santhankrishnan

Nil

Ø- la-

cSBd dh rkjh[k

lnL; ¼CkSBd Eksa mIkfLFkRk½ vuqifLFkr

1 27.06.12 1- ,l-,Yk- CkaLkYk2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- Js¸kk Xkqgk5- MkW- vkHkk PkRkqOksZnh6- Jh d¢-,Pk- IkkaMs¸k

,Lk-,Lk- f'k'kkSfn¸kk

2 14.09.12 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Js¸kk Xkqgk4- MkW- vkHkk PkRkqOksZnh5- Jh d¢-,Pk- IkkaMs¸k6- ,Lk-,Lk- f'k'kkSfn¸kk

'kwU¸k

3 29.12.12 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- Js¸kk Xkqgk5- MkW- vkHkk PkRkqOksZnh6- Jh d¢-,Pk- IkkaMs¸k


4 19.03.13 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- MkW- vkHkk PkRkqOksZnh5- Jh d¢-,Pk- IkkaMs¸k6- ,Lk-,Lk- f'k'kkSfn¸kk

Js¸kk Xkqgk

7-12 TkUkLkaIkdZ ,Oka IkzPkkj LkfEkfRk

TkUkLkaIkdZ ,Oka IkzPkkj LkfEkfRk dk XkBUk fnUkkad 30-04-2012 dh CkSBd Eksa Ekn Lka- 61 }kjk EkaMYk d¢ fUkns'kksa d¢ vUkqLkj.k Eksa fd¸kk Xk¸kk FkkA bLk LkfEkfRk Eksa v/¸k{k ,Oka IkzCkU/k fUkns'kd] dk¸kZdkjh fUkns'kd] nks XkSj dk¸kZIkkYkd fUkns'kd] Jh d¢-,Lk- JhfUkOkkLkUk ,Oka Jh Ikh-Ckh- LkaFkkUkkd`".kUk 'kkfEkYk gSa A LkfEkfRk CkSad dh TkUkLkaIkdZ NfOk dks fUk[kkjUks vkSj bLks Lkq–<+ CkUkkUks Ikj /¸kkUk nsRkh gSA ¸kg fOkfHkUUk jkT¸kksa Eksa CkSad dh IkgPkkUk dks Ck<+kUks d¢ fYk, fOkfHkUUk mIkk¸kksa dk LkqÖkkOk nsRkh gS A Ok"kZ d¢ nkSjkUk LkfEkfRk dh fUk/kkZfjRk LkEk¸kkOkf/k d¢ vUkqLkkj Pkkj CkSBd¢a gqb±A

Ø- la-

cSBd dh rkjh[k lnL; ¼CkSBd Eksa mIkfLFkRk½ vuqifLFkr

1 13.06.12 1- ,l-,Yk- CkaLkYk2- ,Lk-Lkh- fLkUgk3- Okh- d..kUk4- d¢-,Lk- JhfUkOkkLkUk5- Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

2 24.08.12 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- d¢-,Lk- JhfUkOkkLkUk4- Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

76



3 23.11.12 1. S L Bansal2. V.Kannan3. B Nayyar4.K S Sreenivasan5. P B Santhankrishnan

Nil

4 18.02.13 1. S L Bansal2. V.Kannan3. B Nayyar4.K S Sreenivasan5. P B Santhankrishnan

Nil

7.13 COMMITTEE OF BOARD TO DECIDE THE SHAREHOLDER DIRECTOR IN OTHER COMPANIES

The ‘Committee of Board to decide the Shareholder Director in other companies’ was constituted in terms of Circular No. 16/11/2012-BO-I dated 03.04.2012 from Ministry of Finance. Pursuant to the aforementioned circular, the Board approved this Committee vide Item No. 46 in the meeting dated 30.04.2012. The Committee is comprised of Chairman and Managing Director, Executive Directors, two non-executive directors, Sh. T Valliappan and Sh. C P. Singh. The Committee decides on supporting the candidates, after careful consideration of qualification, experience, profile and background of the candidates in the Election of Shareholder Directors in other companies where Bank is the equity holder of the company and Bank is required to participate in the election process for the election of Shareholder Directors. During the year only one such resolution was passed through Circulation on 20.06.2012.

7.14 SUB- COMMITTEE OF BOARD FOR MONITORING OF NPAs

The Sub-Committee of Board for monitoring of NPAs was constituted on 23.11.2012 pursuant to the Circular No. 7/112/2012-BOA dated 21.11.2012 from Ministry of Finance. The Committee is comprised of Chairman and Managing Director, Executive Directors, Government of India Nominee Director, Smt. Sreya Guha, three non-executive directors, Sh. K H Pandey, Sh. S S Shishodia and Sh. T Valliappan. General Manager (Recovery & Law) is the Member Secretary of the Committee. The Committee meets to monitor the Non-Performing Assets in the Bank. During the year the Committee met twice.S. No.


Absent

1 29.12.12 1. S L Bansal2. V.Kannan3. B.Nayyar4.Sreya Guha5. K H Pandey6.T Valliappan

S S Shishodia

2 24.01.13 1. S L Bansal2. V.Kannan3. B.Nayyar4.Sreya Guha5. K H Pandey6.S S Shishodia7.T Valliappan

Nil

3 23.11.12 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- d¢-,Lk- JhfUkOkkLkUk5- Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

4 18.02.13 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- d¢-,Lk- JhfUkOkkLkUk5- Ikh-Ckh- LkaFkkUkk—".kUk

'kwU¸k

7-13 vU¸k daIkfUk¸kksa Eksa 'ks¸kj/kkjd fUkns'kd d¢ Ckkjs Eksa fUk.kZ¸k YksUks gsRkq EkaMYk dh LkfEkfRk

vU¸k daIkfUk¸kksa Eksa 'ks kj/kkjd fUkns'kd d¢ Ckkjs Eksa fUk.kZ k YksUks gsRkq EkaMYk dh LkfEkfRk dk XkBUk fOkÙk Eka«kkYk¸k Lks IkzkIRk IkfjIk«k Lka0 16@11@2012&Ckhvks&I fnUkkad 03-04-2012 d¢ vUkqLkkj fd¸kk Xk¸kkA EkaMYk Uks mä IkfjIk«k d¢ vUkqLkj.k Eksa fnUkkad 30-04-2012 dh CkSBd Eksa Ekn Lka- 46 }kjk bLk LkfEkfRk dk vUkqEkksnUk fd¸kkA bLk LkfEkfRk Eksa v/¸k{k ,Oka IkzCkU/k fUkns'kd] dk¸kZdkjh fUkns'kd] nks XkSj dk¸kZIkkYkd fUkns'kd] Jh Vh- OkfYYk¸kIIkUk ,Oka Jh Lkh-Ikh- fLkag 'kkfEkYk gSaA LkfEkfRk vU¸k daIkfUk¸kksa] Tkgka CkSad daIkUkh dk bZfDoVh /kkjd gS vkSj CkSad Lks vIksf{kRk gS fd Okg 'ks kj/kkjd fUkns'kd d¢ PkqUkkOk gsRkq PkqUkkOk Ikzfdz kk Eksa HkkXk Yks] 'ks kj/kkjd fUkns'kdksa d¢ PkqUkkOk Eksa] mEEkhnOkkjksa dh kksX¸kRkk] vUkqHkOk] IkzksQkbYk vkSj Ik"BHkwfEk Ikj LkkOk/kkUkhIkwOkZd fOkPkkj djUks d¢ Ckkn mEEkhnOkkjksa dk LkEkFkZUk djUks dk fUk.kZ k YksRkh gS A Ok"kZ d¢ nkSjkUk ,sLkk d¢OkYk ,d LkadYIk fnUkkad 20-06-2012 dks IkfjPkkYkUk }kjk IkkfjRk fd¸kk Xk¸kk A

7-14 XkSj&fUk"IkknUkdkjh vkfLRk¸kksa ¼,UkIkh,½ dh EkkUkhVfjaXk gsRkq EkaMYk dh mIk&LkfEkfRk

,UkIkh, dh EkkUkhVfjaXk d¢ fYk, EkaMYk dh mIk LkfEkfRk dk XkBUk fOkÙk Eka«kkYk¸k Lks IkzkIRk IkfjIk«k Lka0 7@112@2012&Ckhvks, fnUkkad 21-11-2012 d¢ vUkqLkj.k Eksa fnUkkad 23-11-2012 dks fd¸kk Xk¸kk A bLk LkfEkfRk Eksa v/¸k{k ,Oka IkzCkU/k fUkns'kd] dk¸kZdkjh fUkns'kd] HkkjRk Lkjdkj dh UkkfEkfRk fUkns'kd JhEkRkh Js¸kk Xkqgk] RkhUk XkSj&dk¸kZIkkYkd fUkns'kd] Jh d¢-,Pk- Ikk.Ms¸k] Jh ,Lk-,Lk- f'k'kkSfn¸kk vkSj Jh Vh- OkfYYk¸kIIkUk 'kkfEkYk gSa A EkgkIkzCkU/kd ¼OkLkwYkh ,Oka fOkf/k½ LkfEkfRk d¢ LknL¸k LkfPkOk gSa A LkfEkfRk dh CkSBd CkSad Eksa XkSj&fUk"IkknUkdkjh vkfLRk¸kksa dks EkkUkhVj djUks d¢ fYk, gksRkh gS A Ok"kZ d¢ nkSjkUk LkfEkfRk dh nks CkSBd¢a gqb± A

Ø- la-

cSBd dh rkjh[klnL; ¼CkSBd Eksa

mIkfLFkRk½vuqifLFkr

1 29.12.12 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- Js¸kk Xkqgk5- d¢-,Pk- Ikk.Ms¸k6- Vh- OkfYYk¸kIIkUk


2 24.01.13 1- ,l-,Yk- CkaLkYk2- Okh- d..kUk3- Ckh- UkS¸¸kj4- Js¸kk Xkqgk5- d¢-,Pk- Ikk.Ms¸k6- ,Lk-,Lk- f'k'kkSfn¸kk7- Vh- OkfYYk¸kIIkUk

'kwU¸k

77



7.15 INVESTMENT COMMITTEEIt is Committee of Executives of the Bank headed by Chairman and Managing Director, which meets daily to take a view on existing investments, fresh investments decisions with regard to SLR, Non-SLR Securities, G-Sec trading and other allied matters including funds position of the Bank.

7.16 SHARE TRANSFER COMMITTEE The Share Transfer Committee comprising of the Chief General Manager, two General Managers, one Dy. General Manager and one Assistant General Manager approves the transfer and transmission of shares atleast once in a fortnight. The share transfers approved by the Share Transfer Committee are placed before the Board for information on quarterly basis. 36 meetings of the Share Transfer Committee were held during April 1, 2012 to March 31, 2013. The Bank ensures that all the transfers are duly effected within a period of 15 days from the date of their lodgment. The Bank ensures that shareholders complaints are disposed off in a time bound manner and the complaints which need investigation for final disposal are attended with immediate interim reply / information. During the year under review, Bank received 685 complaints out of which 14 complaints were pending as on 31.03.2013.

8. SHAREHOLDERS' INFORMATION8.1 GENERAL BODY MEETINGS

Date & Venue of Previous Annual General MeetingsNature of Meeting Date & Time VenueSixteenth Annual General Meeting

23rd June 2010

at 11.00 a.m

FICCI Auditorium, Tansen Marg, New Delhi 110001.

Seventeenth Annual General Meeting

23rd June 2011

at 10.00 a.m

Siri Fort Auditorium (Audi-II), August Kranti Marg, New Delhi – 110049.

Eighteenth Annual General Meeting

13th June 2012

at 10.00 a.m

PHD Chamber of Commerce and Industry, PHD House, 4/2, Siri Institutional Area, August Kranti Marg, New Delhi – 110016.

All the Annual General Meetings were held for discussing, approving and adopting the Balance Sheet, Profit and Loss Accounts and Report of the Board of Directors on the working and activities of the Bank for the respective periods covered by the accounts and auditor’s report thereon. No special resolutions were put through in the above said Annual General Meetings. The last Annual General Meeting held on 13.06.2012 was attended by all the directors except Smt. Sreya Guha, Sh. B. Srinivas, Sh. K. H. Pandey and Sh. S. S. Shishodia who could not attend the meeting due to preoccupation.Postal Ballot – The Bank has not conducted any postal ballot during the financial year.

7-15 fuos'k lfefr;g cSad ds dk;Zikydksa dh lfefr gS ftlds v/;{k ,oa Áca/k funs'kd v/;{k gSa RkFkk ftldh izfrfnu gksus okyh cSBd esa ekStwnk fuos'kksa] lkafof/kd pyfuf/k&xSj&lkafof/kd pyfuf/k izfrHkwfr;ksa ds laca/k esa u, fuos'k laca/kh fu.kZ;ksa] ljdkjh izfrHkwfr;ksa dh VªsÇMx vkSj cSad dh fuf/k;ksa dh fLFkfr lfgr dbZ vU; lEc) ekeyksa ij fopkj fd;k tkrk gSA

7-16 'ks¸kj gLRkkaRkj.k LkfEkfRk'ks¸kj gLRkkaRkj.k LkfEkfRk] fTkLkEksa Ekq[¸k EkgkIkzCkU/kd] nks EkgkIkzCkU/kd] ,d mIk EkgkIkzCkU/kd vkSj ,d Lkgk¸kd EkgkIkzCkU/kd gSa] dEk Lks dEk Ikanzg fnUkksa Eksa ,d Ckkj 'ks¸kjksa d¢ vaRkj.k Ok IkzLkkj.k dk vUkqEkksnUk djRkh gSA 'ks¸kj vaRkj.k LkfEkfRk }kjk vUkqEkksfnRk 'ks¸kjksa vaaRkj.kksa dks fRkEkkgh vk/kkj Ikj LkwPkUkkFkZ Ek.MYk d¢ LkEk{k IkzLRkqRk fd¸kk TkkRkk gS A 1 vIkzSYk] 2012 Lks 31 EkkPkZ] 2013 Rkd dh vOkf/k d¢ nkSjkUk 'ks¸kj gLRkkaaRkj.k LkfEkfRk dh 36 CkSBd¢a fRkEkkgh vk/kkj Ikj vk¸kksfTkRk dh XkbaZ A CkSad IkzLRkqRk fd, Xk, LkHkh vaRkj.k IkzLRkqRk fd, TkkUks dh Rkkjh[k Lks 15 fnUk d¢ vanj fOkf/kOkRk~ :Ik Lks IkzHkkOkh djUkk LkqfUkf'PkRk djRkk gS ACkSad 'ks¸kj /kkjdksa dh f'kdk¸kRkksa dk fUkIkVkUk LkEk¸kCk) :Ik Eksa djUkk LkqfUkf'PkRk djRkk gS RkFkk fTkUk f'kdk¸kRkksa Ikj vafRkEk fUkIkVkUk gsRkq TkkaPk djUks dh vkOk'¸kdRkk gksRkh gS] mUkd¢ LkaCka/k Eksa RkqjaRk vaRkfjEk mÙkj@LkwPkUkk nh TkkRkh gS A LkEkh{kk/khUk Ok"kZ d¢ nkSjkUk CkSad dks fUkOks'kdksa dh 685 f'kdk¸kRksa IkzkIRk gqbZ fTkUkEksa Lks 14 f'kdk¸kRksa 31-03-2013 dks YkafCkRk Fkha A

8- 'ks¸kj/kkjd LkwPkUkk

8-1 vke cSBdsa

fiNyh Okkf"kZd vke cSBdksa dh rkjh[k ,oa LFky

cSBd dh iz—fr fnukad ,oa le; LFky

LkksYkgOkha okÆ"kd vke cSBd

23 twu] 2010 dks izkr% 11-00 cts

fQDdh vkfMVksfj;e]rkulsu ekxZ] ubZ fnYyh & 110001

l«kgohaa okÆ"kd vke cSBd


lhjh Q¨VZ vkfMV¨fj;e ¼vkWMh&II½ vxLRk Økafr ekxZ] ubZ fnYYkh&110049

vBkjgOkha okÆ"kd vke cSBd


Ikh,PkMh PkSECkj vkWQ dkWEkLkZ vkSj baMLVªh] Ikh,PkMh gkmLk] 4@2] Lkhjh baLVhV;w'kuy ,fj¸kk] vXkLRk dzkfRk EkkXkZ] ubZ fnYYkh&110016

lHkh okÆ"kd vke cSBdsa cSad ds rqyu&i=] ykHk ,oa gkfu ys[kk rFkk ys[kksa esa yh xbZ vof/k gsrq cSad ds dk;Zdykiksa ,oa xfrfof/k;ksa ij funs'kd eaMy dh fjiksVZ rFkk ml ij ys[kkijh{kdksa dh fjiksVZ ij ppkZ djus@viukuss ds fy, vk;ksftr dh xbZaA mä okf"kZd vke cSBd¨a esa d¨bZ fo'ks"k ladYIk ÁLRkqr ugha gqvkA fnukad 13-06-2012 dks gqbZ fiNyh okÆ"kd vke CkSBd esa Jherh Js¸kk Xkqgk rFkk Jh ch- JhfuoklUk] Jh d¢-,Pk- Ikk.Ms¸k vkSj Jh ,Lk-,Lk- f'k'kkSfn¸kk t¨ iwoZO;LRkrk d¢ dkj.k cSBd esa Òkx ugha ys ik,] d¢ vYkkOkk LkHkh fUkns'kdksa Uks HkkXk fYk¸kkA Mkd }kjk ernku% foŸkh; o"kZ d¢ n©jku cSad us Mkd ls d¨bZ eri«k lapkfyr ugha fd,A

78



8.2 FINANCIAL CALANDER

Board Meeting for considering Accounts and dividend.

2nd May, 2013

Date, Time & Venue of the AGM

Monday, 17th June 2013 at 10.00 a.m at PHD Chamber of Com-merce and Industry, PHD House, 4/2, Siri Institutional Area, August Kranti Marg, New Delhi – 110016.

Book closure dates10th June 2013 to 17th June 2013

Last Date for receipt of proxy forms

12th June 2013

Date of payment of dividend 16th July 2013

8.3 LISTINGThe Bank is a Scheduled Commercial Bank with its Head Office at New Delhi and Corporate Office at Gurgaon. The Bank has its presence in all parts of the country with network of 2000 Branches and 33 Regional Offices as at end of March 2013.The Bank’s shares (ISIN No.INE141A01014) are listed on the following major Stock Exchanges and the Equity Shares are quoted under the following codes:

Stock Exchange Scrip Code

Reuters Code

Bloomberg Code

Bombay Stock ExchangePhiroze Jeejeebhoy Towers, Dalal Street,Fort, Mumbai

500315 ORBC.BO

OBC:IB

National Stock Exchange of India LimitedExchange Plaza, 5th Floor, Bandra-Kurla Complex, Bandra (E) Mumbai

ORIENT BANK

ORBC.NS OBC:IN

Listing fee has been paid to both the Stock Exchanges till date.

8.4 Compliance OfficerSh. A. K. Jain, General Manager (MBD) is the Compliance Officer of the Bank as per Equity Listing Agreement with Stock Exchanges.

8.5 Dematerialization of SecuritiesThe shares of the Bank are under compulsory demat list of SEBI and the Bank has entered in to Agreements with National Securities Depository Limited (NSDL) and Central Depository Services (India) Limited (CDSL) for dematerialization of Bank’s shares. Shareholders can get their shares dematerialized with either NSDL or CDSL.

As on March 31, 2013 the Bank has following number of equity shares in physical and dematerialized form as per detail given hereunder:-

8-2 fOkRRkh¸k dSYks.Mj

ys[kksa ij fopkj djus vkSj ykHkka'k dh flQkfj'k djus gsrq eaMy dh cSBd

2 EkbZ] 2013

okÆ"kd vke cSBd dh frfFk] le; vkSj LFkku

LkksEkOkkj] 17 TkwUk] 2013 dks izkr% 10-00 cts ih,pMh pSECkj vkWQ+ dkWelZ ,aM baMLVªh] ih,pMh gkml] 4@2] lhjh baLVhV~Ów'kuy ,fj;k] vxLRk Økafr ekxZ] ubZ fnYYkh&110016

cgh can gksUks dh rkjh[k 10 TkwUk] 2013 Lks 17 TkwUk] 2013

izkWDlh QkeZ izkIr djus dh vafre frfFk 12 TkwUk] 2013

ykHkka'k ds Hkqxrku dh rkjh[k 16 TkqYkkbZ] 2013

8-3 LkwPkhdj.kCkSad ,d vUkqLkwfPkRk Okkf.kfT¸kd CkSad gS fTkLkdk Ikz/kkUk dk¸kkZYk¸k] UkbZ fnYYkh Eksa vkSj dkWjIkksjsV dk¸kkZYk¸k] XkqM+XkkaOk Eksa gSA EkkPkZ] 2013 dh LkEkkfIRk Ikj] ns'k d¢ LkHkh HkkXkksa Eksa bLkd¢ UksVOkdZ Eksa 2000 'kk[kk,a vkSj 33 Ikzknsf'kd dk¸kkZYk¸k gSaACkSad d¢ 'ks¸kj ¼ISIN No. INE 141A01014½ fuEufyf[kr izeq[k LVkWd ,Dlpsatksa esas lwphc) gSa vkSj bZfDoVh 'ks;j fuEufyf[kr dksM ds varxZr m)Rk gSa%

LVkWd ,Dlpsat fLØi dksM jk;VlZ dksM CywecxZ dksM

eqEcbZ LVkWd ,Dlpsat] fQjkst ththHkkbZ VkWolZ] nyky LVªhV] QksVZ] eqEcbZ

500315 ORBC, BO OBC:IB

us'kuy LVkWd ,Dlpsat vkWQ bf.M;k fy0,Dlpsat IykWtk] 5oha eafty] ckaæk&dqjyk dkWEiySDl] ckaæk ¼bZLV½eqEcbZ

ORIENT BANK

ORBC.NS OBC:IN

nksUkksa LVkd ,DlPksaTkksa dks vkTk Rkd d¢ LkwPkhdj.k 'kqYd dk HkqXkRkkUk fd¸kk Tkk Pkqdk gS A

8-4 vUkqIkkYkUk vf/kdkjh

Jh ,-d¢- TkSUk] EkgkIkzCkU/kd ¼Ek-CkSa-Ikz-½] LVkWd ,DlPksaTkksa d¢ LkkFk bZfDoVh LkwPkhdj.k djkj d¢ vUkqLkkj CkSad d¢ vUkqIkkYkUk vf/kdkjh gSa A

8-5 IkzfRkHkwfRk¸kksa dk vEkwRkhZdj.k

CkSad d¢ 'ks¸kj LksCkh dh vfUkOkk¸kZ fMEksV LkwPkh Eksa gSa vkSj CkSad d¢ 'ks¸kjksa dk vEkwRkhZdj.k djkUks d¢ fYk, CkSad Uks Uks'kUkYk fLkD¸kwfjVhTk+ fMIkkWfTkVjh fYkfEkVsM ¼,Uk,LkMh,Yk½ RkFkk LksaVªYk fMIkkWfTkVjh LkfOkZfLkTk+ ¼bafM¸kk½ fYkfEkVsM ¼LkhMh,Lk,Yk½ d¢ LkkFk djkj fd, gSaA 'ks¸kj/kkjd ¸kk Rkks ,Uk,LkMh,Yk Lks ¸kk fQj LkhMh,Lk,Yk Lks 'ks¸kj vEkwRkZ djk LkdRks gSa A

31 EkkPkZ] 2013 dh fLFkfRk vUkqLkkj CkSad d¢ IkkLk UkhPks fn, Xk, fOkOkj.kkUkqLkkj fUkEUkfYkf[kRk Lka[¸kk Eksa bZfDoVh 'ks¸kj EkwRkZ RkFkk vEkwRkZ :Ik Eksa gSa%

79



Nature of Holding Records/ No. of shareholders

No. of Shares %

Physical 34926 3765469 1.30

NSDL (Dematerialized) 55819 115364313 39.54

CDSL (Dematerialized) 19019 172631400 59.16

Total 109764 291761182 100

8.6 Status of Shares lying in Escrow / Suspense Account as on 31st March 2013

Status of Shares lying in Escrow / Suspense Account as on 31st March 2013 [Demat shares – returned undelivered]

Opening Balance as on 01.04.2012

No. of requests received

during the financial

year 2012-13

Shares credited

during the financial

year 2012-13

Closing Balance as on 31st March

2013

No. of share-holders

No. of shares

No. of share-holders

No. of shares

21 1400 nil nil 21 1400

[Physical shares – returned undelivered]Opening Balance as on 01.04.2012

No. of requests received during the financial year 2012-13

Shares cred-ited during the financial year 2012-13

Closing Balance as on 31st March2013

nil nil nil nil

8.7 The balance of the following Unclaimed Dividend amount will be transferred as per details mentioned below to the Investor Education and Protection Fund (IEPF) under the provisions of Section 10B of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 and thereafter no claim for payment shall lie in respect thereof either to the Bank or to the IEPF by the shareholders:-

/kkfjRkk dk LOk:Ik'ks¸kj/kkjdksa dk fjdkWMZ@Lka[¸kk

'ks¸kjkssa dh Lka[¸kk

%

EkwRkZ 34926 3765469 1.30

,Uk,LkMh,Yk ¼vEkwRkhZ—Rk½ 55819 115364313 39.54

LkhMh,Lk,Yk ¼vEkwRkhZ—Rk½ 19019 172631400 59.16

dqYk 109764 291761182 100

8-6 31 EkkPkZ] 2013 dks fUkYkaCk@mPkaRk [kkRks Eksa j[ks 'ks¸kjksa dh fLFkfRk31 EkkPkZ] 2013 dks fUkYkaCk@mPkaRk [kkRks Eksa j[ks 'ks¸kjksa dh fLFkfRk ¼vEkwRkZ 'ks¸kj & vfOkRkfjRk OkkIkLk gq,½

fnUkkad 01-04-2012 dks vFk'ks"k

fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk IkzkIRk gq,

vUkqjks/kksa dh Lka[¸kk

fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk TkEkk gq, 'ks¸kj

31 EkkPkZ] 2013 dks bfRk 'ks"k

'ks¸kj /kkjdksa dh

Lka[¸kk

'ks¸kjksas dh

Lka[¸kk

'ks¸kj/kkjdksa dh

Lka[¸kk

'ks¸kjksas dh

Lka[¸kk

21 1400 'kwU¸k 'kwU¸k 21 1400

¼EkwRkZ 'ks¸kj & vfOkRkfjRk OkkIkLk gq,½

fnUkkad 01-04-2012 dks vFk'ks"k

fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk IkzkIRk gq, vUkqjks/kksa dh Lka[¸kk

fOkÙkh¸k Ok"kZ 2012&13 d¢ nkSjkUk

TkEkk gq, 'ks¸kj

31 EkkPkZ] 2013 dks bfRk'ks"k

'kwU¸k 'kwU¸k 'kwU¸k 'kwU¸k

8-7 fUkEUkfYkf[kRk vnkOkk—Rk YkkHkka'k jkf'k dk 'ks"k UkhPks fn, Xk, fOkOkj.k d¢ vUkqLkkj] CkSaddkjh daIkUkh ¼mIkdzEkksa dk vTkZUk vkSj vaRkj.k½ vf/kfUk¸kEk] 1980 dh /kkjk 10Ckh d¢ IkzkOk/kkUkksa d¢ vzaRkXkZRk fUkOks'kd f'k{kk ,Oka Lkaj{k.k fUkf/k ¼vkbZbZIkh,Q½ Eksa vaRkfjRk fd¸kk Tkk,Xkk vkSj RkRIk'PkkRk~ 'ks¸kj/kkjdksa dh vksj Lks bLk LkaCka/k Eksa HkqXkRkkUk gsRkq dksbZ Hkh nkOkk Uk Rkks CkSad d¢ IkkLk vkSj Uk gh vkbZbZIkh,Q Eksa jgsXkk A

80



Ø-la-S.No.

vIkznÙk YkkHkka'k [kkRkksa dk fOkOkj.kDetails of the Unpaid Dividend Accounts

?kks"k.kk dh Rkkjh[k

Date of Dec-laration

31-03-2013 dks 'ks"k ¼:- esa½

Balance as on 31.03.2013

(in Rs.)

vkbZbZih,Q esa varj.k dh fu;r rkjh[kDue date of

transfer to IEPF

1 vIkznÙk YkkHkka'k [kkRkk 1994&95/Unpaid Dividend A/c 1994-95 02.08.1995 12,00,705.25 16.10.2013









10 vIkznÙk YkkHkka'k [kkRkk 2003&04 ¼vaRkfjEk½Unpaid Dividend A/c 2003-04 (Interim)

03.01.2004* 34,41,502.00 16.10.2013

11 vIkznÙk YkkHkka'k [kkRkk 2003&04 ¼vafRkEk½/Unpaid Dividend A/c 2003-04 (Final) 07.07.2004 44,06,950.00 16.10.2013



14 vIkznÙk YkkHkka'k [kkRkk 2006&07 ¼vaRkfjEk½/Unpaid Dividend A/c 2006-07 (In-terim)

20.02.2007* 29,05,609.80 26.03.2014

15 vIkznÙk YkkHkka'k [kkRkk 2006&07 ¼vafRkEk½/Unpaid Dividend A/c 2006-07 (Final) 14.06.2007 41,47,500.50 20.07.2014


17 vIkznÙk YkkHkka'k [kkRkk 2008&09/Unpaid Dividend A/c 2008-09 23.06.2009 1,32,86,720.50 29.07.2016




funs'kd e.My dh cSBd dh rkjh[k ftlesa varfje ykHkka'k dh ?kks"k.kk dh xbZA

* Date of meeting of Board of Directors in which interim dividend was declared.

81



8.8 Share Transfer System & Redressal of Investor’s Grievances

The bank ensures that all transfers are duly effected within the period of fifteen days from the date of their lodgment. The Board has constituted a Share Transfer Committee, which meets on regular intervals for transacting the business of all matters relating to shares issued by the Bank.Share transfers, dividend payment and all other investor related activities are attended to and processed at the office of the Registrar & Transfer Agent, MCS Limited. Shareholders may lodge the transfer deeds and any other documents, grievances and complaints either to (a) Share Transfer Agent MCS Limited F-65, Okhla Industrial Area, Phase –I, New Delhi-110020. Phone : 011-41406149, Fax: 011-41709881(b) Oriental Bank of Commerce, Corporate Office Merchant Banking Division First Floor, Plot no.5 Sector – 32, Institutional Area, Gurgaon – 122001 (Haryana) Ph : 0124- 4126285 / 4126286, Fax : 0124-4126261

8.9 Share Holding Pattern as on 31st March, 2013Sr. No. Category No. of

Holders Shares % to Shares

1. Government of India 1 16,92,21,482 58.00

2. Banks / FIs, 45 1,11,78,253 3.83

3. Insurance Companies 16 3,82,60,383 13.11

4. FIIs & NRIs 917 2,82,59,489 9.69

5. Body Corporate 1,370 70,45,264 2.41

6. Individuals 1,07,322 1,34,62,191 4.61

7. Mutual Fund / UTI & Others

93 2,43,34,120 8.35

Total 1,09,764 2917,61,182 100.00

Top five shareholders of the Bank as on 31.03.2013

Sr. No. Category of Shareholders No. of

Shares% to total holding

1 President of India 1,69,221,482 58.00

2 Life Insurance Corporation of India 2,46,34,160 8.443

3 LIC of India – Market Plus Growth Fund 41,36,004 1.417

4 HDFC Standard Life Insurance Company Ltd 36,18,094 1.240

5 LIC of India Money Plus Growth Fund 34,97,457 1.199

Total 20,51,07,197 70.299

8-8 'ks;j vaRkj.k i)fr rFkk fuos'kdksa dh f'kdk;rksa dk fuokj.kcSad lqfuf'Pkr djrk gS fd 'ks;j ls lacaf/kr lHkh vaRkj.k 'ks;j tek djk, tkus dh rkjh[k ls 15 fnUk dh vof/k ds vanj fof/kor~ :i ls IkzHkkOkh dj fn, tkrs gSaA eaMy us ,d 'ks;j gLRkkaRkj.k lfefr cukbZ gS ftldh cSBd cSad }kjk tkjh fd, x, 'ks;jksa ls lacaf/kr lHkh ekeyksa esa dkjZokbZ djus ds fy, fu;fer varjkyksa ij gksrh gSAjftLVªkj vkSj vaRkj.k ,tsUV] ,elh,l fyfeVsM ds dk;kZy; esa 'ks;j vaRkj.k] ykHkka'k Hkqxrku vkSj fuos'kd ls lacaf/kr vU; lHkh dk;Zdyki fd, tkrs gSaA 'ks;j/kkjd vaRkj.k foys[k vkSj vU; dksbZ nLrkost] f'kdk;rsa vkSj dfBukb;ka fuEu esa ls fdlh dks Hkh fuEu irs ij Hkst ldrs gSa %-d- 'ks;j vaRkj.k ,tsaV ,llh,l fyfeVsM ,Q&65] vks[kyk b.MfLVª;y ,fj;k] Qst&1 ubZ fnYyh & 110020 Qksu % 011&41406149] QSDl % 0011&41709881[k- vksfj;UVy cSad vkWQ dkWelZ dkWji¨jsV dk;kZy; epsZUV cSaÇdx izHkkx igyh eafty] IykWV la-&5] lsDVj&32] baLVhVÓw'kuy ,fj;k xqM+xkao&122001 ¼gfj;k.kk½ Q¨u % 0124&4126285@86] QSDl % 0124&4126261

8-9 31 ekpZ] 2013 dks 'ks;j/kkfjrk dh fLFkfr

Ø-la- Js.kh /kkjdksa dh la[;k

'ks;j 'ks;jksa dk %

1. Hkkjr ljdkj 1 16,92,21,482 58.00

2. CkSad@fOkRRkh¸k LkaLFkk,a 45 1,11,78,253 3.83

3. CkhEkk daIkfUk¸kka 16 3,82,60,383 13.11

4. fons'kh laLFkkxr fuos'kd ,Oka vfuoklh Hkkjrh;

917 2,82,59,489 9.69

5. dkjIkksjsV fUkdk¸k 1,370 70,45,264 2.41

6. O¸kfä 1,07,322 1,34,62,191 4.61

7. E¸kqPkqvYk QaM@¸kwVhvkbZ RkFkk vU¸k

93 2,43,34,120 8.35

dqy 1,09,764 2917,61,182 100.00

31-03-2013 dh fLFkfr vuqlkj CkSad d¢ IkkaPk LkOkksZPPk 'ks¸kj/kkjd

Ø-la- 'ks¸kj /kkjdksa dh Js.kh 'ks;jksa dh la[;k

dqy /kkfjRkk dk %

1 HkkjRk d¢ jk"VªIkfRk 1,69,221,482 58.00

2 HkkjRkh¸k TkhOkUk CkhEkk fUkXkEk 2,46,34,160 8.443

3 HkkjRkh¸k TkhOkUk CkhEkk fUkXkEk & EkkfdZV IYkLk XkzksFk QaM

41,36,004 1.417

4 ,PkMh,QLkh LVSaMMZ YkkbQ daIkUkh fYk0

36,18,094 1.240

5 HkkjRkh¸k TkhOkUk CkhEkk fUkXkEk EkUkh IYkLk XkzksFk QaM

34,97,457 1.199

dqy 20,51,07,197 70.299

82



DISTRIBUTION SCHEDULE AS ON 31.03.2013NOMINAL VALUE OF EACH SHARE – Rs.10/-

NO. OF SHARE-

HOLDERS% TO

TOTAL HOLDING RANGE NO. OF SHARES

% TO TOTAL

109363 99.63 1 TO 5000 12923622 4.43

99 0.09 5001 TO 10000 756570 0.26

140 0.13 10001 TO 50000 3284176 1.13

44

0.04 50001 TO 100000 3189702 1.09

118 0.11 100001 & ABOVE 271607112 93.09

109764 100.00 TOTAL 291761182 100.00

Bank has not issued any GDRs/ADRs/Warrants or any convertible instruments.

31-03-2013 dh fLFkfr vuqlkj LkafOkRkj.k vUkqLkwPkh

IkzR¸ksd 'ks¸kj dk Lkkad¢fRkd EkwY¸k & 10@&:-

'ks;j/kkjdksa dh la[;k

dqy dk % /kkfjrk oxZ

'ks;jksa dh la[;k

dqy dk %

109363 99.63 1 Lks 5000 12923622 4.43

99 0.09 5001 Lks 10000 756570 0.26

140 0.13 10001 Lks 50000 3284176 1.13

44

0.04 50001 Lks 100000 3189702 1.09

118 0.11 100001 vkSj vf/kd 271607112 93.09

109764 100.00 dqYk 291761182 100.00

cSad us d¨bZ thMhvkj@,Mhvkj@okjaV ;k d¨bZ ifjorZuh; fy[kr tkjh ugha fd, gSaA

31-3-2013 dh fLFkfr ds vuqlkj 'ks¸kj/kkjdksa dk HkkSXkksfYkd ¼jkT¸kOkkj½ fOkOkj.kGEOGRAPHICAL (STATE WISE ) DISTRIBUTION OF SHAREHOLDERS AS ON 31/03/2013

jkT;/STATE fjdkWMZ/RECORDS 'ks¸kj/SHARES izfr'kr/%

v.Meku o fud¨ckj/ANDAMAN NICOBAR 3 165 0.000

vka/kz izns'k/ANDHRA PRADESH 4555 586833 0.201

v:.kkPkYk Ikzns'k/ARUNACHAL PRADESH 3 300 0.000

vle/ASSAM 549 59245 0.020

fcgkj/BIHAR 1124 112068 0.038

PkaMhXk<+/CHANDIGARH 589 74957 0.026

NŸkhlx<+/CHHATTISGARH 586 69616 0.024

nknj UkXkj/DADAR NAGAR 13 40338 0.014

nEkUk nhOk/DAMAN DIU 11 845 0.000

fnYYkh/DELHI 13457 172069457 58.976

x¨ok/GOA 330 80041 0.027

xqtjkr/GUJARAT 10188 1116245 0.383

gfj;k.kk/HARYANA 3751 378036 0.130

fgekpy izns'k/HIMACHAL PRADESH 362 36324 0.012

tEew o d'ehj/JAMMU KASHMIR 403 46078 0.016

Ökkj[k.M/JHARKHAND 873 81966 0.028

dukZVd/KARNATAKA 5058 552520 0.189

dsjy/KERALA 1469 165282 0.057

e/; izns'k/MADHYA PRADESH 2904 286005 0.098

egkjk"Vª/MAHARASHTRA 20760 101330635 34.731

Ekf.kIkqj/MANIPUR 17 1985 0.001

83



Eks?kkYk¸k/MEGHALAYA 46 6960 0.002

fEkTkksjEk/MIZORAM 2 348 0.000

UkkXkkYkSaM/NAGALAND 23 2900 0.001

mMh+lk/ORISSA 977 111994 0.038

IkkafMPksjh/PONDICHERRY 99 9358 0.003

iatkc/PUNJAB 3725 439889 0.151

jktLFkku/RAJASTHAN 5048 528961 0.181

fLkfDdEk/SIKKIM 23 2130 0.001

rfeyukMq/TAMIL NADU 5940 2953362 1.012

f«kiqjk/TRIPURA 27 16255 0.006

mŸkj izns'k/UTTAR PRADESH 7922 897462 0.308

mÙkjkaPkYk/UTTARANCHAL 700 73822 0.025

if'Pke caxky/WEST BENGAL 6733 2118051 0.726

vU;/OTHERS: 11494 7510749 2.574

dqy/TOTAL 109764 291761182 100.000

8-10 fOkRRkh¸k Ok"kZ 2012&13 d¢ nkSjkUk LVkWd ,DlPksaTk Eksa 'ks¸kj HkkOk] [kjhns&CksPks Xk, 'ks¸kjksa dh Lka[¸kk

8.10 Share Price, Volume of Shares traded in Stock Exchanges during FY 2012-13

Ckh,LkbZ/BSE ,Uk,LkbZ/NSE

Rkkjh[k/Date mPPk/High fUkEUk/Low Lka[¸kk/Volume mPPk/High fUkEUk/Low Lka[¸kk/Volume

vIkzSYk/APRIL 277.00 225.00 1,008,872 273.00 225.05 11,080,846

EkbZ/MAY 235.85 210.10 584,837 234.00 200.00 6,293,971

TkwUk/JUNE 255.00 214.00 949,569 257.20 213.70 7,726,504

TkqYkkbZ/JULY 264.90 210.50 1,044,015 266.00 210.05 8,935,096

vXkLRk/AUGUST 241.85 207.50 536,950 242.00 207.20 5,834,412

fLkRkECkj/SEPTEMBER 304.00 216.50 1,810,731 303.90 216.20 18,371,188

väwCkj/OCTOBER 320.20 277.20 1,630,617 320.40 278.65 17,651,500

UkOkECkj/NOVEMBER 339.00 308.85 945,534 339.00 308.00 12,292,911

fnLkECkj/DECEMBER 367.50 326.20 1,258,624 368.30 317.70 13,326,726

TkUkOkjh/JANUARY 366.50 305.00 2,415,684 366.65 302.50 21,321,575

QjOkjh/FEBRUARY 334.35 265.00 1,826,726 335.25 264.90 11,464,088

EkkPkZ/MARCH 291.80 230.15 1,552,920 291.80 230.00 16,033,293

Ckan EkwY¸k&31-03-2013Closing price - 31.03.2013

250.40 251.80

CkkTkkj IkawTkhdj.k&31-03-2013Market Capitalisation - 31.03.2013

7305.67 7346.52

84



8.11 Address for Correspondence Asstt. General Manager (MBD) Oriental Bank of Commerce Corporate Office First Floor, Plot No.5, Sector – 32, Institutional Area, Gurgaon – 122001 (Haryana) Tel No(s): 0124-4126285 /286 Fax No(s): 0124-4126261 Email: [email protected]. Means of communicationThe quarterly, half-yearly & Annual Financial Results were published in Hindu Business Line, Economic Times (Hindi & English), Financial Express, Mint, and Nav Bharat Times. The financial results as well as presentation made to analysts, general shareholder information, shareholding pattern are also displayed on Bank’s website at www.obcindia.co.in. 10 Green Initiative in Corporate Governance In support of the green initiative and in compliance with Govt. of India directives and Listing provisions, Bank has sent the Annual Report through e-mail to those shareholders who have registered their email ids with their depository participant/ Bank's Registrar & Share Transfer Agent. The Bank has dispatched hard copy of Annual Report containing abridged financial statements to all those shareholders who have not registered their email addresses. Full Annual Report is available on Bank’s website www.obcindia.co.in. In case any shareholder wishes to receive a printed copy, he/she may please send a request to the Bank, upon which hard copy of full annual report will be sent to the shareholder.The shareholders having shares in physical form are requested to register their email-ids with us or our Registrar to enable us to serve any document, notice, communication, annual reports etc. through e-mail. The shareholders holding shares in demat form are requested to register their email-ids with their respective Depository Participant for the above purpose.11 DECLARATIONS AND CERTIFICATES1. In terms of clause 49 of the Listing Agreement, a certificate

has been obtained from the Statutory Central Auditors on Corporate Governance of the Bank for the year 2012-13 and the same is annexed to the Report.

2. The certificate of CEO & CFO has been submitted to the Board of Directors and is annexed to this Report.

3. The bank has adopted a code of conduct for the Board of Directors and Senior Management, the text of which is available on the website of the Bank www.obcindia.co.in. All the Directors and Senior Management have affirmed their compliance of code of conduct during the year under review and a certificate affirming compliance is annexed to the report.

The Bank has also framed a code of conduct for its Directors, Auditors and Designated employees for prevention of insider trading in Bank’s securities.

8-11 Ik«kkPkkj gsRkq IkRkk Lkgk¸kd EkgkIkzCkU/kd ¼Ek-CkSa-Ikz-½ vksfj¸kUVYk CkSad vkWQ dkWEkLkZ dkWjIkksjsV dk¸kkZYk¸k izFkr ry] IykV ua-&5] lsDVj&32] baLVhV;w'kuy ,fj;k] xqMxk¡o&122001 ¼gfj;k.kk½ nwjHkk"k : 0124-4126285 /286 QSDl : 0124-4126261 bZ&esy : [email protected]

9- lapkj lk/ku

frekgh] Nekgh v©j okf"kZd ifj.kke fgUnw fCkTkUksLk YkkbUk] bdkWUkkWfEkd VkbELk] ¼fgUnh ,Oka vaXkzsTkh½] Qkbusaf'k;y ,DlÁsl] fEkaV RkFkk UkOkHkkjRk VkbELk Eksa Ikzdkf'kRk fd, Xk,A fOkÙkh¸k Ikfj.kkEk RkFkk fOk'Yks"kdksa dks dh XkbZ IkzLRkqfRk] LkkEkkU¸k 'ks¸kj/kkjd LkwPkUkk] 'ks¸kj/kkfjRkk IkSVUkZ cSad dh osclkbV www.obcindia.co.in ij Òh Ánf'kZr fd, x, gSaA

10- dkWjIkksjsV vfHk'kkLkUk Eksa gfjRk dnEk

gfjRk dnEk ds leFkZu Eksa Lkgk¸kd d¢ RkkSj Ikj RkFkk HkkjRk Lkjdkj d¢ fUknsZ'kksa vkSj LkwPkhdj.k IkzkOk/kkUkksa d¢ vUkqIkkYkUk Eksa CkSad Uks mUk 'ks kj/kkjdksa] fTkUgksaUks vIkUkh bZ&EksYk vkbZMh vIkUks fUk{ksIkkXkkj LkgHkkXkh@CkSad d¢ jfTkLVªkj d¢ IkkLk jfTkLVj djOkkbZ gS] dks Okkf"kZd fjIkksVZ bZ&EksYk d¢ Tkfj, HksTkh gS A CkSad Uks Okkf"kZd fjIkksVZ dh IkzfRk] fTkLkEksa Lkaf{kIRk fOkÙkh¸k fOkOkjf.k¸kka nh XkbZ gSa] mUk LkHkh 'ks kj/kkjd ¼dksa½ dks Mkd Lks Ikzsf"kRk dh gS fTkUgksaUks vIkUkk bZEksYk IkRkk jfTkLVj Ukgha djk¸kk gS A Ikw.kZ Okkf"kZd fjIkksVZ CkSad dh OksCkLkkbV www.obcindia.co.in Ikj mIkYkC/k gS A ¸kfn dksbZ 'ks kj/kkjd EkqfnzRk IkzfRk IkzkIRk djUkk PkkgRkk gS] Rkks Okg —Ik¸kk CkSad dks vUkqjks/k HksTksa] fTkLkd¢ vk/kkj Ikj Ikw.kZ Okkf"kZd fjIkksVZ dh gkMZ dkWIkh 'ks kj/kkjd dks HksTkh Tkk,Xkh A

fTkUk 'ks kj/kkjdksa d¢ IkkLk 'ks kj EkwRkZ :Ik Eksa gSa Oks —Ik¸kk gEkkjs vFkOkk gEkkjs jfTkLVªkj d¢ IkkLk vIkUkh bZEksYk vkbZMh jfTkLVj djk,a Rkkfd gEk dksbZ Hkh nLRkkOksTk] UkksfVLk] Ik«k] Okkf"kZd fjIkksVZ vkfn bZEksYk d¢ Tkfj, mUgsa HksTk Lkd¢a A vEkwRkZ :Ik Eksa 'ks¸kj j[kUks OkkYks 'ks¸kj/kkjdksa Lks vUkqjks/k gS fd mä Ikz¸kksTkUk gsRkq Oks vIkUkh bZEksYk vkbZMh vIkUks&vIkUks fUk{ksIkkXkkj LkgHkkXkh d¢ IkkLk nTkZ djk,a A

11- ?kks"k.kk ,Oka IkzEkk.kIk«k

1- LkwPkhdj.k djkj d¢ [kaM 49 d¢ vUkqLkkj LkkafOkf/kd d¢Uæh¸k Yks[kkIkjh{kdksa Lks Ok"kZ 2012&13 d¢ fYk, CkSad Eksa dkjIkksjsV vfHk'kkLkUk LkaCka/kh IkzEkk.kIk«k Yks fYk¸kk Xk¸kk gS vkSj ¸kg IkzEkk.kIk«k bLk fjIkksVZ d¢ LkkFk LkaYkXUk gS A

2- LkhbZvks RkFkk Lkh,Qvks IkzEkk.kIk«k CkSad d¢ fUkns'kd EkaMYk dks IkzLRkqRk dj fn, Xk, gSa vkSj bLk fjIkksVZ d¢ LkkFk LkaYkXUk gSa A

3- CkSad Uks fUkns'kd EkaMYk RkFkk Okfj"B IkzCka/k OkXkZ d¢ fYk, vkPkkj LkafgRkk vIkUkkbZ gS Tkks CkSad dh OksCkLkkbV www.obcindia.co.in Ikj mIkYkC/k gSA LkHkh fUkns'kdksa vkSj Okfj"B IkzCka/k OkXkZ Uks LkEkh{kk Ok"kZ d¢ nkSjkUk vkPkkj LkafgRkk d¢ vUkqIkkYkUk dh Ikqf"V dh gS vkSj vUkqIkkYkUk dh Ikqf"V Lks LkaCkaf/kRk LkVhZfQd¢V fjIkksVZ d¢ vaRk Eksa fn¸kk Xk¸kk gS A

CkSad Uks CkSad dh IkzfRkHkwfRk¸kksa dh Hksfn¸kk VªzsfMaXk dks jksdUks d¢ fYk, vIkUks fUkns'kdksa] Yks[kkIkjh{kdksa vkSj UkkfEkRk dEkZPkkfj¸kksa d¢ fYk, Hkh vkPkkj LkafgRkk CkUkkbZ gSA

85



12. DISCLOSURES 1. Section 20 of the Banking Regulation Act, 1949, prohibits

grants of loans and advances by the bank to directors or to any firm in which the directors are interested or to any company of which any of the director of the Banking company is a director, manager, employee or guarantor or in which he holds substantial interest. Hence, there are no materially significant related transactions of the Bank with its Directors, Management, their subsidiaries and/or relatives that would have potential conflict with the interest of the Bank at large.

2. The Bank has complied with all the requirements regarding capital market related matters. No penalties/strictures were imposed on the Bank by SEBI/ Stock Exchanges in respect of matters related to Capital Market during the last three years.

3. The remuneration of the CMD & EDs is fixed by the Govt. of India. The Bank does not pay any remuneration to the non-executive directors except sitting fee fixed by Govt. of India which is Rs.10000/- per Board Meeting and Rs.5000/- per Committee meeting in terms of Govt. of India Circular No.15/1/2011-BO.I dated 18.10.2011

The detail of remuneration paid to whole time directors during the year 2012-13 is given below:-

12- IkzdVhdj.k1- CkSaddkjh fOkfUk¸kEk vf/kfUk¸kEk] 1949 dh /kkjk 20 }kjk CkSad fdLkh

fUkns'kd dks ¸kk ,sLkh fdLkh QEkZ] fTkLkEksa fUkns'kd fgRkCk) gSa ¸kk ,sLkh fdLkh dEIkUkh] fTkLkEksa CkSaddkjh dEIkUkh dk dksbZ fUkns'kd& funs'kd] IkzCkU/kd] dEkZPkkjh ¸kk XkkjaVhnkRkk gS ¸kk fTkLkEksa Okg Ik¸kkZIRk :Ik Lks fgRkCk) gS] dks _.k Ok vfXkzEk fn, TkkUks dk fUk"ks/k djRkh gS A bLkfYk, CkSad dk vIkUks fUkns'kdksa] IkzCkU/k OkXkZ] mUkd¢ vUkq"kafXk¸kksa vkSj@¸kk fj'Rksnkjksa d¢ LkkFk dksbZ EkgROkIkw.kZ YksUknsUk Ukgha gqvk fTkLkd¢ LkkEkkU¸k RkkSj Ikj CkSad d¢ fgRkksa d¢ IkzfRkdwYk gksUks dh LkaHkkOkUkk gS A

2- cSad us iwath cktkj ls laca/kh ekeyksa ds ckjsa esa lHkh vis{kkvks dks iwjk fd;k gSA fIkNYks RkhUk Ok"kks± d¢ nkSjkUk IkwaTkh CkkTkkj LkaCka/kh EkkEkYkksa d¢ LkaCka/k Eksa LksCkh@LVkWd ,DlPksaTk }kjk CkSad Ikj dksbZ vFkZnaM ¸kk TkqEkkZUkk Ukgha YkXkk¸kk Xk¸kk A

3- v/¸k{k ,Oka IkzCka/k fUkns'kd RkFkk dk¸kZdkjh fUkns'kdksa dk IkkfjJfEkd HkkjRk Lkjdkj }kjk fUk/kkZfjRk fd¸kk TkkRkk gSA CkSad XkSj&dk¸kZikyd fUkns'kdksa dks CkSBd Eksa HkkXk YksUks d¢ fYk, HkkjRk Lkjdkj }kjk fUk/kkZfjRk dh XkbZ QhLk] Tkks HkkjRk Lkjdkj d¢ IkfjIk«k Lka0 15@1@2011&Ckhvks-&I fnUkkad 18-10-2011 d¢ vUkqLkkj EkaMYk dh IkzfRk CkSBd 10]000@&:- RkFkk LkfEkfRk dh IkzfRk CkSBd 5000@&:- gS] d¢ vYkkOkk vU¸k fdLkh Hkh jkf'k dk HkqXkRkkUk Ukgha djRkk gS A

o"kZ 2012&13 ds nkSjku iw.kZdkfyd funs'kdksa dks ikfjJfed ds Hkqxrku dk fooj.k fuEukuqlkj gS%&

Ø- la-Sr. No.

funs'kd dk ukeName of Director

inukeDesignation

osru ¼:-½Salary (Rs.)

dk;Zfu"iknu ls tqM+s izksRlkgu ¼:-½

Performance linked incentive (Rs.)

dqy ¼:-½Total (Rs.)

1 Jh ,l-,y- calySh. S.L.Bansal

v/;{k ,oa izca/k funs'kd Chairman and Managing Director

15,49,698.40 50,820.00 16,00,518.40

2 Jh ,l-lh- flUgkSh. S.C.Sinha

iwoZ dk;Zdkjh funs'kdEx Executive Director

4,92,367.20 4,00,000.00 8,92,367.20

3 Jh oh- d..kuSh. V. Kannan

dk;Zdkjh funs'kdExecutive Director

14,12,962.80 4,00,000.00 18,12,962.80

4 Jh HkwfiUnj uS¸;jSh. Bhupinder Nayyar

dk;Zdkjh funs'kdExecutive Director

6,56,373.90 6,56,373.90

4. The Related Party Transactions of the Bank as per RBI / ICAI guidelines are disclosed in the Notes to Accounts of the Balance Sheet as on 31.03.2013.

5. Material financial and commercial transactions of the Management (Board of Directors) where they have personal interest, that may have conflict with the interest of the Bank at large have been reported to the Board from time to time.

6. It is affirmed that no personnel has been denied access to the Audit Committee of Board. The Bank conducted the Annual General Meeting and paid dividend to the eligible shareholders within the statutory timeframe.

7. During the year, Bank raised Rs.1025 crore in the form of Lower Tier II Bonds. The funds raised with the primary objective of augmenting Tier II Capital for strengthening capital adequacy ratio and enhancing long term resources of the Bank have been utilized for the said purpose.

4- HkkjRkh¸k fjTkOkZ CkSad@vkbZLkh,vkbZ d¢ fn'kkfUknsZ'kksa d¢ vUkqLkkj CkSad d¢ LkaCkaf/kRk IkkVhZ LkaO¸kOkgkj fnUkkad 31-03-2013 d¢ RkqYkUkIk«k dh Yks[kk fVIIkf.k¸kksa Eksa IkzdV fd, Xk, gSa A

5- IkzCkU/k OkXkZ ¼fUkns'kd EkaMYk½ d¢ EkgROkIkw.kZ fOkÙkh¸k vkSj Okkf.kfT¸kd LkaO¸kOkgkj] fTkUkEksa mUkdk fUkTkh fgRk fUkfgRk gS vkSj fTkUkLks LkEkXkzRk% CkSad d¢ fgRk Ikj IkzfRkdwYk IkzHkkOk IkM+ LkdRkk gS] dh LkwPkUkk LkEk¸k&LkEk¸k Ikj EkaMYk dks nh XkbZ gSA

6- ¸kg Ikqf"V dh TkkRkh gS fd fdLkh Hkh dkfEkZd dks EkaMYk dh Yks[kkIkjh{kk LkfEkfRk Lks LkaIkdZ djUks d¢ fYk, EkUkk Ukgha fd¸kk Xk¸kk A CkSad Uks Okkf"kZd vkEk CkSBd vk¸kksfTkRk dh vkSj LkkafOkf/kd LkEk¸k&LkhEkk d¢ HkhRkj Ikk«k 'ks¸kj/kkjdksa dks YkkHkka'k dk HkqXkRkkUk fd¸kk A

7- o"kZ ds nkSjku cSad us fuEurj Vh;j&AA ck.Mksa ds :i essa 1025 djksM :i;s dh jkf'k tqVkbZA iawth i;kZIrrk vuqikr dks lqn`< cukus ds fy, Vh;j&AA iwath dks vkSj cSad ds nh?kkZof/kZd lalk/kuksa dks c<+kus ds izeq[k mís'; ls tqVkbZ xbZ fuf/k;ksa dk mi;ksx mDr mís'; ds fy, fd;k x;k gSA

86



8- fiNys i"Bksa esa nh xbZ vfuok;Z vis{kkvksa ds vykok LVkWd ,DlPksaTkksa d¢ LkkFk fd, Xk, LkwPkhdj.k djkj d¢ [kaM 49 d¢ IkzkOk/kkUkksa d¢ vUkqLkkj YkkXkw LkHkh vfUkOkk¸kZ vIks{kkvksa IkkYkUk dh fLFkfr fUkEUkkUkqLkkj gS%

vIks{kk vUkqIkkYkUk

XkSj&dk¸kZikyd v/¸k{k daIkUkh d¢ [kPkZ Ikj v/¸k{k dk dk¸kkZYk¸k PkYkkUks vkSj vIkUks dRkZO¸kksa d¢ fUkOkkZg Ikj gq, O¸k¸k dh IkzfRkIkwfRkZ IkkUks dk Ikk«k gks LkdRkk gS A

CkSad dh v/¸k{kRkk dk¸kZIkkYkd v/¸k{k }kjk dh TkkRkh gS] vRk% ¸kg vIks{kk YkkXkw Ukgha gksRkh A

EkaMYk }kjk IkkfjJfEkd LkfEkfRk dk XkBUk fd¸kk Tkk LkdRkk gS Tkks mUkdh vksj Lks vkSj 'ks kj/kkjdksa dh vksj Lks dk¸kZikyd fUkns'kdksa gsRkq fOkf'k"V IkkfjJfEkd IkSd¢Tk] fTkLkEksa Iksa'kUk vf/kdkj vkSj vU¸k dksbZ {kfRkIkwfRkZ HkqXkRkkUk 'kkfEkYk gS] Ikj LkgEkRk 'kRkks± d¢ LkkFk daIkUkh dh UkhfRk fu/kkZfjr djs A

CkSad d¢ Ikw.kZdkfYkd fUkns'kdksa@XkSj&dk¸kZikyd fUkns'kdksa dks IkkfjJfEkd@ fLkfVaXk 'kqYd dk HkqXkRkkUk HkkjRk Lkjdkj d¢ EkkXkZfUknsZ'kksa d¢ vUkqLkkj fd¸kk TkkRkk gS A CkSad Uks HkkjRk Lkjdkj d¢ fUknsZ'kksa d¢ vUkqLkkj v/¸k{k ,Oka IkzCkU/k fUkns'kd RkFkk dk¸kZdkjh fUkns'kdksa dks ns¸k HkRRkksa d¢ HkqXkRkkUk d¢ LkaCka/k Eksa ,d IkkfjJfEkd LkfEkfRk dk XkBUk fd¸kk gS A

daIkUkh vIkUks EkaMYk d¢ LknL¸kksa dks daIkUkh d¢ dkjksCkkjh EkkWMYk Eksa Ok bLkd¢ LkkFk&LkkFk daIkUkh d¢ dkjksCkkjh IkSjkEkhVjksa d¢ Tkkf[kEk IkzksQkbYk] fUkns'kdksa d¢ :Ik Eksa mUkdh fTkEEksnkfj¸kksa vkSj bUk fTkEEksnkfj¸kksa dks LkOkksZR—"V <aXk Lks fUkHkkUks d¢ LkaCka/k Eksa Ikzf'kf{kRk dj LkdRkh gS A

cSad us vius funs'kdksa dks izf'k{k.k fn;k rkfd os viuh ftEesnkfj;ksa dk fuokZgu izHkko'kkyh <ax ls dj ldsaA

fOkLkYk CYkksvj UkhfRk&daIkUkh dEkZPkkfj¸kksa }kjk IkzCka/k OkXkZ dks vUkSfRkd O¸kOkgkj] OkkLRkfOkd ¸kk LkafnX/k /kks[kk/kM+h ¸kk daIkUkh dh vkPkkj LkafgRkk ¸kk UkSfRkdRkk UkhfRk d¢ mYYka?kUk dh LkwPkUkk nsUks dh dk¸kZIkz.kkYkh LFkkfIkRk dj LkdRkh gS vkSj dEkZPkkfj¸kksa dks mRIkhM+Uk Lks CkPkkUks d¢ fYk, Ik¸kkZIRk Lkqj{kk mIkYkC/k djk LkdRkh gS A

CkSad Uks fOkLkYk CYkksvj UkhfRk YkkXkw dh gS A

13- dkjksCkkjh mRRkjnkf¸kROk fjIkksVZCkSad vIkUkh LkkEkkfTkd] Ik¸kkZOkj.kh¸k RkFkk vkfFkZd fTkEEksnkfj¸kksa dks vPNh Rkjg Lks LkEkÖkRkk gS vkSj bLkUks Uk d¢OkYk fOkÙkh¸k Ok Ikfj.kkEkIkjd dk¸kZfUk"IkknUk Eksa vfIkRkq LkkEkkfTkd <kaPks RkFkk Ik¸kkZOkj.k d¢ fgRk Eksa Hkh mÙkjnkf¸kROkIkw.kZ dkjksCkkjh Ik)fRk¸kka vIkUkkbZ gSaACkSad dk gEks'kk ¸kg Ikz¸kkLk jgRkk gS fd vIkUks LkHkh Ik.¸k/kkjdksa dk vkSj O¸kkIkd :Ik Lks LkEkkTk dk EkwY¸kOk/kZUk djasAdEkZPkkfj¸kksa dks IkzsfjRk djUks RkFkk mUkdh mRIkkndRkk dks Ck<+kUks d¢ fYk, fOkfHkUUk EkkUkOk LkaLkk/kUk UkOkksUEks"kdkjh dnEk mBk, Xk, gSa A bUk LkHkh dks LkEkkUk vOkLkj fn, TkkRks gSaA fOkfHkUUk Ikzf'k{k.k dk¸kZdzEkksa d¢ Ekk/¸kEk Lks dEkZPkkfj¸kksa dk fUkjaRkj dkS'kYk ,Oka {kEkRkk fOkdkLk fd¸kk TkkRkk gSAXkzkgdksa dh f'kdk¸kRkksa dk LkEkk/kkUk mfPkRk RkFkk IkzHkkOk'kkYkh dk¸kZIkz.kkYkh }kjk fd¸kk TkkRkk gSACkSad Uks TkUkRkk Lks fUkf/k¸kka IkzkIRk dh gSa vkSj bLkEksa TkUkfgRk dh HkkOkUkk fUkfgRk gS A CkSad fUkjaRkj vk/kkj Ikj LkaIkw.kZ IkzdVhdj.k djUks d¢ IkzfRk vIkUkh fTkEEksnkfj¸kksa vkSj nkf¸kROkksa Lks vOkXkRk gS A

8. Besides the mandatory requirements as mentioned in preceding pages, the status of compliance of non-mandatory requirements of Clause 49 of the Listing Agreement is furnished below:-

Requirement Compliance

A non-executive Chairman may be entitled to maintain a Chairman's office at the company's expense and also allowed reimbursement of expenses incurred in performance of his duties.

The Bank is chaired by an Executive Chairman and as such this requirement is not applicable.

The board may set up a remuneration committee to determine on their behalf and on behalf of the shareholders with agreed terms of reference, the company’s policy on specific remuneration packages for executive directors including pension rights and any compensation payment.

Remuneration / sitting fee paid to the whole time directors / non-executive directors is as per the guidelines of the Govt. of India. The Bank has constituted a Remuneration Committee to look into the incentive payable to the CMD and EDs as per the directives of Govt. of India.

A company may train its Board members in the business model of the company as well as the risk profile of the business parameters of the company, their responsibilities as directors, and the best ways to discharge them.

The Bank has provided training to its directors to enable them to discharge their duties effectively.

Whistle blower Policy - The company may establish a mechanism for employees to report to the management concerns about unethical behaviour, actual or suspected fraud or violation of the company’s code of conduct or ethics policy and provide for adequate safeguards against victimization of employees.

The Bank has put in place a Whistle Blower Policy

13. BUSINESS RESPONSIBILTY REPORTBank is fully aware of its Social, Environmental and Economic Responsibilities and has adopted responsible Business Practices not only in financial and operational performance but also in the interest of the Social Setup and EnvironmentIt has always been the endeavor of the Bank to enhance value for all its stakeholders and of the society at large.Various HR initiatives have been taken to motivate employees and enhance their productivity. Equal opportunities are provided to all. Continuous skill and competence upgrading of employees is done through various training programmes.Customer grievances are managed through proper and effective mechanism.Bank has accessed funds from the public and has an element of public interest involved. Bank is aware of its responsibility and obligation to make exhaustive disclosures on continuous basis.

87



Bank is promoting inclusive growth. Bank is fully responsible to vulnerable, disadvantaged and marginalized section of society. Bank participates in disbursal of financial benefits of Social Welfare Schemes. Bank has undertaken its own Grameen Project of micro finance relating to the rural poor. Bank has taken various CSR initiatives like Bank sponsored “Hunger Free Delhi “ Campaign – ‘Aap Ki Rasoi under Bhagidari Programme of Govt. of NCT. of Delhi to provide food to poor. Bank has adopted 461 primary schools and incurred expenses in 766 financial inclusion villages and other rural areas for their upliftment and better life for the poor residents.

For and on behalf of Board of Directors

(S.L. BANSAL)Chairman & Managing Director

Place: Gurgaon Date: 02.05.2013

The Shareholders,

CERTIFICATE RELATED TO CODE OF CONDUCT FOR DIRECTORS/SENIOR MANAGEMENT

This is to certify that as per Clause 49 of the Listing Agreement, the Code of Conduct has been laid down for all the Board Members and Senior Management of the Oriental Bank of Commerce. The Board Members and Senior Management personnel have affirmed compliance with the Bank’s code of conduct for the year 2012-13.

(S. L. BANSAL)Chairman & Managing Director

CkSad LkOkZLkEkkOks'kh fOkdkLk dks Ck<+kOkk ns jgk gSA ¸kg LkEkkTk d¢ 'kksf"kRk] OkafPkRk ,Oka mIksf{kRk OkXkZ d¢ IkzfRk Ikw.kZRk¸kk fTkEEksnkj gS A CkSad LkEkkTk dY¸kk.k dh ¸kksTkUkkvksa d¢ fOkÙkh¸k YkkHkksa d¢ LkafOkRkj.k Eksa LkgHkkXkh gSA XkzkEkh.k fUk/kZUkksa d¢ LkaCka/k Eksa CkSad dh vIkUkh Lkw{Ek fOkÙk LkaCka/kh XkzkEkh.k Ikfj¸kksTkUkk gSACkSad Uks dkWjIkksjsV LkkEkkfTkd nkf¸kROk d¢ IkzfRk fOkfHkUUk dnEk mBk, gSa TkSLksfd % XkjhCkksa dks HkksTkUk mIkYkC/k djkUks d¢ fYk, jk"Vªh¸k jkTk/kkUkh {ks«k] fnYYkh d¢ HkkXkhnkjh dk¸kZØe d¢ vaRkXkZRk CkSad }kjk *Hkw[k Ekqä fnYYkh*& vfHk¸kkUk *vkIkdh jLkksbZ* dks Ikzk¸kksfTkRk fd¸kk gSA CkSad Uks 461 IkzkbEkjh LdwYkksa dks vaXkhdkj fd¸kk gS vkSj fOkÙkh¸k LkEkkOks'kUk OkkYks 766 XkkaOkksa Eksa RkFkk vU¸k XkzkEkh.k {ks«kkas Eksa /kUkjkf'k O¸k¸k dh Rkkfd Okgka d¢ XkjhCk fUkOkkfLk¸kksa dk mRFkkUk gks Lkd¢ vkSj TkhOkUk LRkj CksgRkj CkUk Lkd¢A

fUkns'kd EkaMYk d¢ fYk, vkSj mUkdh vksj Lks

¼,Lk-,Yk- CkaLkYk½v/¸k{k ,Oka IkzCkU/k fUkns'kd

LFkkUk % xqMxk¡ofnUkkad % 02-05-2013

'ks¸kj/kkjd]

fUkns'kd@Okfj"B IkzCka/kUk gsRkq vkPkkj LkafgRkk Lks LkaCkaf/kRk IkzEkk.k Ik«k

¸kg IkzEkkf.kRk fd¸kk TkkRkk gS fd LkwPkhdj.k djkj d¢ [kaM 49 d¢ vUkqLkkj vksfj¸kUVYk CkSad vkWQ dkWEkLkZ d¢ LkHkh EkaMYk LknL¸kksa RkFkk Okfj"B IkzCka/kUk d¢ fYk, vkPkkj LkafgRkk fUk/kkZfjRk dh XkbZ gSA EkaMYk LknL¸kksa RkFkk Okfj"B IkzCka/kUk dkfEkZdksa Uks Ok"kZ 2012&13 d¢ fYk, CkSad dh vkPkkj LkafgRkk d¢ vUkqIkkYkUk dh Ikqf"V dh gSA

¼,Lk-,Yk- CkaLkYk½v/¸k{k ,Oka IkzCkU/k fUkns'kd

88



CEO & CFO Certificate under clause 49 of the Listing Agreement

The Board of Directors Oriental Bank of CommerceNew Delhi

This is to certify that

a. We have reviewed financial statements and the cash flow statement of Oriental Bank of Commerce for the year ended 31st March 2013 and that to the best of our knowledge and belief:

i. these statements do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading;

ii. these statements together present a true and fair view of the Bank’s affairs and are in compliance with existing accounting standards, applicable laws and regulations.

b. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year which are fraudulent, illegal or violative of the Bank’s code of conduct, other than total 541 cases already reported to the Board of the Bank.

c. We accept responsibility for establishing and maintaining internal controls for financial reporting and that we have evaluated the effectiveness of internal control systems of the Bank pertaining to financial reporting and we have disclosed to the auditors and the Audit Committee, deficiencies in the design or operation of such internal controls, if any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies.

d. We have indicated to the auditors and the Audit Committee:-

i. significant changes in internal control over financial reporting during the year;

ii. significant changes in accounting policies during the year and that the same have been disclosed in the notes to the financial statements; and

iii. instances of significant fraud of which we have become aware and the involvement therein, if any, of the management or an employee having a significant role in the Bank’s internal control system over financial reporting.

Chief General Manager Chairman & Managing (Accounts) Director

Dated 02.05.2013

lwphdj.k djkj d¢ [kaM 49 d¢ varxZr LkhbZvks ,Oka lh,Qv¨ Áek.ki«k

funs'kd eaMyv¨fj;UVy cSad vkWQ+ dkWelZ]ubZ fnYYkh

;g izekf.kr fd;k tkrk gS fd

d- geus vksfj;UVy cSad vkWQ dkWelZ] ubZ fnYyh ds 31 ekpZ] 2013 dks lekIr o"kZ ds fy, foÙkh; foojf.k;ksa rFkk udnh izokg fooj.k dh tkap dh gS vkSj gekjh loksZŸke tkudkjh vkSj fo'okl ds vuqlkj%

i. bu foojf.k;ksa esa dksbZ okLrfod vlR; dFku ugha gSa ;k okLrfod rF; ugha NksM+k x;k gS ;k ,sls dFku ugha gSa tks xqejkg djrs gksaA

ii. ;s foojf.k;ka ,d lkFk cSad ds dk;ks± dk lPpk ,oa lgh fp=.k izLrqr djrh gSa vkSj ekStwnk yks[kkadu ekud¨a] iz;ksT; fof/k ,oa fofu;eksa ds vuqlkj gSa A

[k- gekjh loksZŸke tkudkjh ,oa fo'okl ds vuqlkj cSad }kjk o"kZ ds nkSjku cSad ds eaMy dks igys ls gh fjiksVZ fd, x, dqy 541 ekeyksa dks NksM+dj ,sls dksbZ ysu&nsu ugha fd, x, tks diViw.kZ] voS/k ;k cSad dh vkpkj lafgrk dk mYya?ku djrs gksaA

x- ge foŸkh; fjiksÉVx ds fy, vkarfjd fu;a=.k LFkkfir djus rFkk cuk, j[kus dh flQkfj'k Lohdkj djrs gSa vkSj geus foŸkh; fjiksÉVx ls lacaf/kr cSad dh vkarfjd fu;a=.k i)fr dh izHkkokRedrk dk ewY;kadu fd;k gS vkSj geus vkarfjd fu;a=.kksa dh :ijs[kk vFkok dk;Zpkyu esa deh dks] ;fn dksbZ gks] ftlds ckjs esa gesa tkudkjh gS vkSj bu dfe;ksa dks nwj djus ds fy, geus tks dne mBk,a gS ;k mBkUks dk izLrko djrs gSa] dks ys[kkijh{kdksa rFkk ys[kkijh{kk lfefr dks izdV dj fn;k gS A

?k- geus ys[kkijh{kdksa rFkk ys[kkijh{kk lfefr dks fuEukuqlkj lwfpr dj fn;k gS %

i. o"kZ ds nkSjku foŸkh; fjiksÉVx ds laca/k esa vkarfjd fu;a=.k esa gq, egRoiw.kZ ifjorZu (

ii. o"kZ ds nkSjku ys[kkadu uhfr;ksa esa gq, egRoiw.kZ ifjorZu rFkk bUgsa foŸkh; foojf.k;ksa dh fVIif.k;ksa esa izdV fd;k x;k gS(

iii. egRoiw.kZ /kks[kk/kfM+;ksa ftldh gesa tkudkjh gks xbZ gS] ds mnkgj.k vkSj foŸkh; fjiksÉVx ds laca/k esa cSad dh vkarfjd fu;a=.k iz.kkyh esa egRoiw.kZ Hkwfedk fuHkkus okys izca/k oxZ ;k fdlh deZpkjh dk mlesa fyIr gksukA

Ekq[¸k egkizca/kd v/;{k ,oa izca/k ¼ys[kk½ funs'kd

fnUkkad % 02-05-2013

89



AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE

To the Members of Oriental Bank of Commerce We have examined the compliance of conditions of Corporate Governance for the year ended 31st March, 2013 as stipulated in Clause 49 of the Listing Agreement with Stock Exchange(s) i.e. NSE & BSE.The compliance of conditions of corporate governance is the responsibility of the Management. Our examination was limited to procedures and implementation thereof, adopted by the Bank for ensuring the compliance of the conditions of the Corporate Governance. It is neither an audit nor an expression of the opinion on the financial statements of the Bank.In our opinion and to the best of our information and according to the explanations given to us, we certify that the Bank has complied with the conditions of Corporate Governance as stipulated in the above-mentioned Listing Agreement except clause 49 I (A) of the Listing Agreement relating to condition of not less than fifty percent of Board of Directors being Independent. However, Bank is in the process of complying with clause 49 I (A) and has already taken up the matter with Govt. of India to appoint additional non-official part time director under Section 9 (3) (h) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980.We state that no investor grievance(s) is pending for a period exceeding one month against the Bank 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 Bank nor the efficiency or effectiveness with which the management has conducted the affairs of the Bank.

For Agiwal & Associates For B Purushottam & Co. Chartered Accountants Chartered Accountants

P.C.AGIWAL B. S. PURSHOTHAM (M. No. 080475) (M. No. 026785) Partner Partner For Jain Kapila Associates For P L Tandon &Co. Chartered Accountants Chartered Accountants

D. K. KAPILA ANIL K. AGARWAL(M. No. 016905) (M. No. 071548) Partner Partner

For Shah & Taparia For Bansal R. Kumar & Associates Chartered Accountants/ Chartered Accountants

NAND LAL SHAH R. K. GUPTA(M. No. 006936) (M. No. 086851) Partner Partner

Place : New DelhiDate : 2nd May 2013

dkjiksjsV vfHk'kkLkUk ds laca/k esa Yks[kkIkjh{kdksa dk izek.ki=

vksfj¸kUVYk CkSad vkWQ dkWEkLkZ d¢ LknL¸k]

geus 31 ekpZ] 2013 dks lekIr o"kZ gsrq LVkWd ,Dlpsat ¼tksa½ vFkkZr~ us'kuy LVkWd ,Dlpsat rFkk eqECkbZ LVkWd ,Dlpsat ds lkFk lwphdj.k djkj ds [k.M 49 esa ;FkkfofuÆn"V] dEIkuh vfÒ'kklu dh 'krks± ds vuqikyu dh tkap dh gSA

dEIkuh vfÒ'kklu dh 'krks± ds vuqikyu dh ftEesnkjh izca/k oxZ dh gSA gekjh tkap cSad }kjk dEIkuh vfÒ'kklu dh 'krks± dk vuqikyu lqfuf'Pkr djus gsrq viukbZ xbZ dk;Zfof/k;ksa vkSj muds dk;kZUo;u rd lhfer jgh A ;g cSad ds foŸkh; fooj.kksa dh u rks ys[kkijh{kk gS vkSj u gh mlds ckjs esa vfHker dh vfHkO;fä gSA

gekjs vfHker rFkk gekjh loksZŸke tkudkjh ,oa gesa fn, x, Li"Vhdj.k ds vuqlkj ge izekf.kr djrs gSa fd cSad us mi;qZä lwphdj.k djkj esa ;FkkfofuÆn"V dEIkuh vfÒ'kklu dh 'krks± dk vuqikyu fd;k gSA d¢OkYk LkwPkhdj.k djkj d¢ [k.M 49 I¼,½ ds flok;] tks funs'kd eaMy dk de ls de 50 izfr'kr Lora= gksus dh 'krZ ls lEcf/kr gSA rFkkfi cSad [k.M 49 I ¼,½ ds vUkqIkkYkUk gsrq dk;ZokbZ dj jgk gS vkSj CkSaddkjh daIkUkh ¼mIkdzEkksa dk vTkZUk ,Oka vaRkj.k½ vf/kfUk¸kEk] 1980 dh /kkjk 9¼3½¼,Pk½ d¢ vaRkXkZRk vfRkfjDRk XkSj&Lkjdkjh va'kdkfYkd fUkns'kd fUk¸kqDRk djUks d¢ fYk, HkkjRk Lkjdkj dks EkkEkYkk HksTk Pkqdk gSA

gekjk dFku gS fd 'ks;j/kkjd@fuos'kd f'kdk;r lfefr }kjk j[ks x, fjdkMZ ds vuqlkj cSad ds fo:) fuos'kd dh ,slh dksbZ Hkh f'kdk;r ugha gS Tkks ,d ekg ls vf/kd le; ls yfEcr gksA

gekjk ;g Hkh dFku gS fd bl izdkj dk vuqikyu u rks cSad dh Hkkoh O;ogk;Zrk ds izfr] u gh dk;Zdq'kyrk vFkok izHkko'khyrk ftlds lkFk izcU/k oxZ us cSad ds dk;ks± dk lapkyu fd;k] ds izfr ,d vk'oklu gS

—Rks vkXkhOkkYk ,aM ,LkksfLk,V~Lk LkUknh Yks[kkdkj

—Rks Ckh- Ikq:"kksÙkEk ,aM daIkUkhLkUknh Yks[kkdkj

Ikh-Lkh- vkXkhOkkYk¼la- Uka0 080475½HkkXkhnkj

Ckh-,Lk- Ikq:"kksÙkEk¼l- Uka0 026785½HkkXkhnkj

—Rks TkSUk dfIkYkk ,LkksfLk,V~LkLkUknh Yks[kkdkj

—Rks Ikh-,Yk- VaMUk ,aM da0LkUknh Yks[kkdkj

Mh-d¢- dfIkYkk¼l-Uka0 016905½HkkXkhnkj

vfUkYk d¢- vXkzOkkYk¼l-- Uka0 071548½HkkXkhnkj

—Rks 'kkg ,aM RkkIkfM+¸kkLkUknh Yks[kkdkj

—Rks CkaLkYk vkj- dqEkkj ,aM ,LkksfLk,V~LkLkUknh Yks[kkdkj

Ukan YkkYk 'kkg¼la- Uka0 006936½Òkxhnkj

vkj-d¢- XkqIRkk¼l-la 086851½Òkxhnkj

LFkkUk % UkbZ fnYYkhfnUkkad % 2 EkbZ] 2013

90



31 ekpZ] 2013 dk rqyu&i=

BALANCE SHEET AS ON 31st MARCH, 2013

(gtkj #i, esa /` in thousands)

31-03-2013 dks 31-03-2012 dks vuqlwph As on 31.03.2013 As on 31.03.2012 Schedule ¼pkyw o"kZ½ ¼fiNyk o"kZ½ (Current Year) (Previous Year)

iwath vkSj nkf;Ro@CAPITAL & LIABILITIESiwath@Capital 1 291,76,12 291,76,12vkjf{kr ,oa vfrfjDr fuf/k@Reserves & Surplus 2 12483,77,90 11650,74,12fu{ksi@Deposits 3 175897,52,44 155964,92,25m/kkj@Borrowings 4 7679,32,82 5259,04,90vU; nkf;Ro vkSj izko/kku@Other Liabilities and Provisions 5 4344,80,99 4368,10.88dqy@Total 200697,20,27 177534,58,27vkfLr;ka@ASSETSudnh vkSj Hkkjrh; fjtoZ cSad ds ikl vf/k'ks"k 6 8171,93,52 8461,70,17Cash & Balances with Reserve Bank of India cSadksa esa vf/k'ks"k rFkk ekax vkSj vYi lwpuk ij izkIr /kujkf'k 7 417,68,35 265,24,98Balance with Banks and Money at Call & Short Noticefofu/kku@Investments 8 58554,66,09 52101,33,13vfxze@Advances 9 128955,06,29 111977,69,02 LFkk;h vkfLr;ka@Fixed Assets 10 1227,41,01 1420,65,51vU; vkfLr;ka@Other Assets 11 3370,45,01 3307,95,46dqy@Total 200697,20,27 177534,58,27vkdfLed nkf;Ro@Contingent Liabilities 12 86829,45,19 68063,76,48laxzg.k gsrq fcy@Bills for Collection 6369,45,50 5073,9427egRoiw.kZ ys[kkadu uhfr;ka@Significant Accounting Policies 17 ys[kk fVIif.k;ka@Notes on Accounts 18vuqlwph 1 ls 18 ys[kksa dk vfHkUu Hkkx gSA

Schedules 1 to 18 form an integral Part of the Accounts

¼lqHkk"k egktu½ ¼lh-,e- [kqjkuk½ ¼HkwfiUnj uS¸;j½

mi egkizca/kd ¼ys[kk½ eq[; egkizca/kd ,oa eq[; foÙkh; vf/kdkjh dk;Zdkjh funs'kd (SUBASH MAHAJAN) (C.M. KHURANA) (BHUPINDER NAYYAR) Dy. GENERAL MANAGER (ACCOUNTS) CHIEF GENERAL MANAGER & CFO EXECUTIVE DIRECTOR

funs'kd@Directors

¼Js;k xqgk½ ¼ds-,p- ik.Ms;½ ¼,l-,l- f'k'kkSfn;k½ ¼lh-ih- flag½ ¼ds-,l- Jhfuoklu½ (SREYA GUHA) (K.H. PANDEY) (S.S. SHISHODIA) (C.P. SINGH) (K.S. SREENIVASAN)

¼Vh- ofYy;Iiu½ ¼MkW- vkHkk prqosZnh½ ¼ih-ch- laFkkukÑ".ku½ ¼ih-,e- pksiM+k½ (T. VALLIAPPAN) (DR. ABHA CHATURVEDI) (P.B. SANTHANAKRISHNAN) (P.M. CHOPDA)

LFkku@Place : ubZ fnYyh@New Delhifnukad@Date : 02 ebZ] 2013@2nd May, 2013

91



31 ekpZ] 2013 dks lekIr o"kZ ds fy, ykHk&gkfu ys[kk

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2013


31-03-2013 dks 31-03-2012 dks vuqlwph As on 31.03.2013 As on 31.03.2012 Schedule ¼pkyw o"kZ½ ¼fiNyk o"kZ½ (Current Year) (Previous Year)

I. vk;@INCOME vftZr C;kt@Interest Earned 13 17704,77,56 15814,88,46 vU; vk;@Other Income 14 1654,71,37 1240,24,78 dqy@Total 19359,48,93 17055,13,24II. O;;@EXPENDITURE vifpr C;kt@Interest Expended 15 13003,62,06 11599,09,34 ifjpkyu O;;@Operating Expenses 16 2665,71,81 2315,45,87 izko/kku vkSj vkdfLedrk,a@Provisions and Contingencies 2362,74,33 1999,01,68 dqy@Total 18031,54,20 15913,56,89III. o"kZ dk fuoy ykHk@NET PROFIT FOR THE YEAR 1327,94,73 1141,56,35 vkxs ys tk;k ykHk@Profit brought forward 49,25 79,19 dqy@Total 1328,43,98 1142,35,54IV. fofu;kstu@APPROPRIATIONS lkafof/kd vkjf{kr fuf/k esa varj.k@Transfer to Statutory Reserves 332,00,00 286,00,00 jktLo vkSj vU; vkjf{kr fuf/k esa varj.k 442,00,00 16,00,00 Transfer to Revenue & Other Reserves fofu/kku vkjf{kr fuf/k ys[ks esa varj.k@Transfer to Investment Reserve Account 5,22,22 0 fo'ks"k vkjf{kr fuf/k esa varj.k@Transfer to Special Reserves 223,00,00 565,00.00 iwath vkjf{kr fuf/k esa varj.k@Transfer to Capital Reserves 12,00,90 6,98,01 izLrkfor ykHkka'k@Proposed Dividend 268,42,03 230,49,13 ykHkka'k ij dj@Tax on Dividend 45,61,80 37,39,15V. rqyu&i= esa ys tk;k x;k vf/k'ks"k

Balance Carried over to Balance Sheet 17,03 49,25 dqy@Total 1328,43,98 1142,35,54 izfr 'ks;j vtZu ewy vkSj gzkflr ¼#- esa½ Earning Per Share Basic & Diluted (In Rs.) 45.51 39.13

¼oh- d..ku½ ¼,l-,y- caly½ dk;Zdkjh funs'kd v/;{k ,oa izcU/k funs'kd (V. KANNAN) (S. L. BANSAL) EXECUTIVE DIRECTOR CHAIRMAN & MANAGING DIRECTOR

blh rkjh[k dh gekjh layXu fjiksVZ ds vuqlkj@In terms of our report of even date annexed

Ñrs vkxhoky ,aM ,lksfl,V~l Ñrs ch- iq:"kksÙke ,aM daiuh Ñrs tSu dfiyk ,lksfl,V~l Ñrs ih-,y- VaMu ,aM daiuh Ñrs 'kkg ,aM rkifM+;k Ñrs caly vkj- dqekj ,aM ,lksfl,V~l lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj For Agiwal & Associates For B. Purushottam & Co. Fo Jain Kapila Associates For P.L. Tandon & Co. For Shah & Taparia For Bansal R. Kumar & Associates Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

FRN 000181-N FRN 002808-S FRN 000287-N FRN 00186-C FRN 109463-W FRN 008186-N

¼ih-lh- vkxhoky½ ¼ch-,l- iq:"kksÙke½ ¼Mh-ds- dfiyk½ ¼vfuy dqekj vxzoky½ ¼uan yky 'kkg½ ¼vkj-ds- xqIrk½ Hkkxhnkj Hkkxhnkj Hkkxhnkj Hkkxhnkj Hkkxhnkj Hkkxhnkj (P.C. AGIWAL) (B.S. PURSHOTHAM) (D.K. KAPILA) (ANIL K. AGRAWAL) (NAND LAL SHAH) (R. K. GUPTA)

Partner Partner Partner Partner Partner Partner

(M.No. 080475) M.No. 026785 M.No. 016905 M.No. 071548 M.No. 006936 M.No. 086851

92



vuqlwfp;ka@SCHEDULES (gtkj #i, esa /` in thousands)

31-03-2013 dks 31-03-2012 dks As on 31.03.2013 As on 31.03.2012 ¼pkyw o"kZ½ ¼fiNyk o"kZ½ (Current Year) (Previous Year)

vuqlwph@SCHEDULE 1 : iwath@CAPITALvf/kÑr iwath AUTHORISED CAPITAL 3000,00,00 3000,00,00fuxZfer] vfHknÙk vkSj iznÙk iawth/ISSUED, SUBSCRIBED AND PAID-UP CAPITAL 10/ #- izR;sd ds 29,17,61,182 ¼fiNys o"kZ 29,17,61,182½ bfDoVh 'ks;j29,17,61,182 (previous year 29,17,61,182) equity shares of Rs. 10 each 291,76,12 291,76,12[dsUæ ljdkj }kjk /kkfjr dqy 16]92]21]482 ¼fiNys o"kZ 16]92]21]482½ 'kkfey gSa] [Includes 16,92,21,482 (Previous year 16,92,21,482) held by the Central Govt.] dqy@Total 291,76,12 291,76,12

vuqlwph@SCHEDULE 2 : vkjf{kr ,oa vfrfjDr fuf/k@RESERVES & SURPLUS I. lkafof/kd vkjf{kr fuf/k@STATUTORY RESERVES vFk'ks"k@Opening Balance 2682,00,00 2396,00,00 o"kZ ds nkSjku o`f)@Additions during the year 332,00,00 286,00,00 dqy@Total 3014,00,00 2682,00,00II. iwath vkjf{kr fuf/k@CAPITAL RESERVES d½ iquewZY;kadu vkjf{kr fuf/k@a) REVALUATION RESERVE vFk'ks"k@Opening Balance 857,50,51 886,41,30 o"kZ ds nkSjku o`f)@Additions during the year o"kZ ds nkSjku dVkSrh ¼laifÙk ds iquewZY;kafdr va'k ds izfr ewY;gzkl rFkk iquewZY;kafdr vkfLr;ksa dh fcØh ds dkj.k gq, izR;korZu ij ewY;gzkl½ Deductions during the year(being depreciation on revalued portion of property & reversals on account of sale of revalued assets) 180,87,12 28,90,79 dqy ¼d½@Total (a) 676,63,39 857,50,51 [k½ vU;@b) OTHERS vFk'ks"k@Opening Balance 559,45,11 552,47,10 o"kZ ds nkSjku o`f)@Additions during the year 12,00,90 6,98,01 dqy ¼[k½@Total (b) 571,46,01 559,45,11 dqy ¼d$[k½@Total (a+b) 1248,09,40 1416,95,62III. 'ks;j izhfe;e@SHARE PREMIUM vFk'ks"k@Opening Balance 3413,47,70 3413,47,70 o"kZ ds nkSjku o`f)@Additions during the year – dqy@Total 3413,47,70 3413,47,70IV. jkTkLo vkSj vU; vkjf{kr fuf/k;ka@REVENUE & OTHER RESERVES d½ jktLo o vU; vkjf{kr fuf/k;ka@a) Revenue & Other Reserves vFk'ks"k@Opening Balance 3344,81,55 3328,23,12 o"kZ ds nkSjku o`f)@Additions during the year 442,00,00 16,58,43 o"kZ ds nkSjku dVkSfr;ka@Deductions during the year 0 0 dqy ¼d½@Total (a) 3786,81,55 3344,81,55 [k½ fofu/kku vkjf{kr fuf/k [kkrk@b) Investment Reserve Account vFk'ks"k@Opening Balance 0 0 o"kZ ds nkSjku o`f)@Additions during the year 5,22,22 0 dqy ¼[k½@Total (b) 5,22,22 0 x½ vk;dj vf/kfu;e dh /kkjk 36¼1½ ¼viii½ ds varxZr fo'ks"k vkjf{kr fuf/k c) Special Reserve u/s 36(1)(viii) of I-T Act vFk'ks"k@Opening Balance 793,00,00 228,00,00 o"kZ ds nkSjku o`f)@Additions during the year 223,00,00 565,00,00 dqy ¼x½@Total (c) 1016,00,00 793,00,00 dqy ¼d$[k$x½@Total (a+b+c) 4808,03,77 4137,81,55V. ykHk ,oa gkfu [kkrs esa vf/k'ks"k@BALANCE IN PROFIT & LOSS ACCOUNT 17,03 49,25 dqy@TOTAL (I,II,III, IV &V) 12483,77,90 11650,74,12

93





vuqlwph@SCHEDULE 3 :

fu{ksi@DEPOSITS d@AI. ekax fu{ksi@Demand Deposits (i) cSadksa ls@From Banks 38,26.60 59,72,03 (ii) vU;ksa ls@From Others 11624,56,57 9315,51,79

11662,83,17 9375,23,82

II. cpr cSad fu{ksi@Saving Banks Deposits* 31521,64,44 28253,24,90 III. vkof/kd fu{ksi@Term Deposits (i) cSadksa ls@From Banks 176,09,35 353,84,28 (ii) vU;ksa ls@From Others 132536,95,48 117982,59,25

132713,04,83 118336,43,53

dqy@Total (I, II & III) 175897,52,44 155964,92,25

[k@BI. Hkkjr esa 'kk[kkvksa dk fu{ksi

Deposits of Branches in India 175897,52,44 155964,92,25 II. Hkkjr ls ckgj 'kk[kkvksa dk fu{ksi

Deposits of Branches outside India – – dqy@Total 175897,52,44 155964,92,25

vuqlwph@SCHEDULE 4 : m/kkj@BORROWINGS I. Hkkjr esa m/kkj@Borrowings in India (i) Hkkjrh; fjtoZ cSad@Reserve Bank of India 1800,00,00 400,00,00 (ii) vU; cSad@Other Banks 745,66,03 463,72,25 (iii) vU; laLFkk,a ,oa ,tsfUl;ka@Other Institutions and Agencies 3667,97,29 2945,38,90

dqy@Total 6213,63,32 3809,11,15

II. Hkkjr ds ckgj ls m/kkj@Borrowings Outside India 1465,69,50 1449,93,75

dqy@Total (I & II) 7679,32,82 5259,04,90

izfrHkwr m/kkj ¼I vkSj II esa lfEefyr½@Secured Borrowings (Included in I and II) – – 850 djksM+ #- ds uoksUes"k cseh;knh _.k fy[kr ¼vkbZihMhvkbZ½ ¼fiNys o"kZ 850-00 djksM+ #i;s½ rFkk 3225-00 djksM+ #- ¼fiNys o"kZ 2200-00 djksM+ #-½ ds xkS.k

_.k ¼fV;j II ck.M½ Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kkuqlkj m/kkj ds vUrxZr j[ks x, gSaA

Innovative Perpetual Debt Instrument (IPDI) Rs.850.00 crore (Previous year Rs.850.00 crore) and Subordinated Debt (Tier II Bonds) amounting to Rs.3225.00 crore (Previous year Rs.2200.00 crore) classified under Borrowing as per RBI guidelines.*cpr cSad tekjkf'k;ksa ij 283-11 djksM+ #- ¼fiNys o"kZ 270-63 djksM+ #-½ dh jkf'k dk C;kt 'kkfeyA

*Includes Interest on Saving Bank deposits amounting to Rs.283.11 crore (Previous year Rs.270.63 crore).

94






vU; nkf;Ro ,oa izko/kku@OTHER LIABILITIES AND PROVISIONS

I. ns; fcy@Bills Payable 89,58,43 74,34,39

II. varj dk;kZy; lek;kstu ¼fuoy½@Inter Office Adjustments (net) 454,28,45 383,01,94

III. mifpr C;kt@Interest Accrued 144,24,79 641,25,02

IV. vU; ¼izko/kkuksa lfgr½@Others (Including Provisions) 3656,69,32 3269,49,53

dqy@Total 4344,80,99 4368,10,88


udnh vkSj Hkkjrh; fjtoZ cSad ds ikl vf/k'ks"k

CASH & BALANCES WITH RESERVE BANK OF INDIA

I. gLrxr udnh ¼fons'kh eqæk uksVksa lfgr½

Cash in Hand (Including foreign currency notes) 659,75,91 422,35,94

II. Hkkjrh; fjtoZ cSad ds ikl vf/k'ks"k

Balance with Reserve Bank of India

(i) pkyw [kkrs esa@In Current Account 7512,17,61 8039,34,23

(ii) vU; [kkrksa esa@In other Accounts – –

dqy@Total ( I & II) 8171,93,52 8461,70,17

95






cSadksa ds ikl vf/k'ks"k vkSj ekax o vYi lwpuk ij izkIr /kujkf'k

BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE

I. Hkkjr esa@IN INDIA

(i) cSadksa ds ikl vf/k'ks"k@Balances with Banks

d- pkyw [kkrksa esa

a. In Current Accounts 121,44,64 204,50,68

[k- vU; fu{ksi [kkrksa esa

b. In other Deposit Accounts 30 30

(ii) ekax o vYi lwpuk ij izkIr /kujkf'k@Money at Call & Short Notice

d- cSadkas esa

a. With Banks 200,00,00 –

[k- vU; laLFkkuksa esa

b. With Other Institutions – –

dqy@Total (i & ii) 321,44,94 204,50,98

II Hkkjr ls ckgj@OUTSIDE INDIA

(i) pkyw [kkrksa esa

In Current Accounts 96,23,41 60,74,00

(ii) vU; fu{ksi [kkrksa esa

In Other Deposit Accounts – –

(iii) ekax o vYi lwpuk ij izkIr /kujkf'k

Money at Call & Short Notice – –

dqy@Total (i, ii & iii) 96,23,41 60,74,00

dqy tksM+@Grand Total (I & II) 417,68,35 265,24,98

96






fofu/kku@INVESTMENTS

[email protected]. Hkkjr esa fofu/kku@Investment in India in

(i) ljdkjh izfrHkwfr;ka

Government Securities 44076,77,42 39348,74,43

(ii) vU; vuqeksfnr izfrHkwfr;ka

Other Approved Securities 60,98,14 68,04,65

(iii) 'ks;j

Shares 620,51,32 500,24,35

(iv) fMcsapj vkSj ckaM

Debentures & Bonds 1922,88,61 1981,32,27

(v) lg;ksxh laLFkk,a vkSj@vFkok la;qDr m|e

Subsidiaries and/ or Joint Ventures 218,50,00 184,00,00

(vi) vU; ¼okf.kfT;d i=] bafnjk fodkl i=

Hkkjrh; ;wfuV VªLV vkSj E;qpqvy QaM ds ;wfuV½

Others (Commercial paper, Indira Vikas Patras, Units of UTI & Mutual Funds) 11655,00,60 10018,97,43

dqy@Total 58554,66,09 52101,33,13

II. Hkkjr ls ckgj fofu/kku@Investments Outside India – –

dqy tksM+@Grand Total (I & II) 58554,66,09 52101,33,13

[k@B. ¼d½@a) Hkkjr esa dqy fofu/kku@Gross Investments in India 58719,19,87 52460,22,59

?kVk,a % ewY;gzkl gsrq izko/kku

Less : Provisions for depreciation 164,53,78 358,89,46

fuoy fofu/kku@Net Investments 58554,66,09 52101,33,13

¼[k½@b) Hkkjr ls ckgj fofu/kku@Investments outside India – –

97






vfxze@ADVANCES

d@A.(i) [kjhns x, vkSj fefrdkVs ij fn, x, fofu;e&i=

Bills Purchased and Discounted 4369,46,70 3636,90,04

(ii) udn m/kkj] vksojMªk¶V vkSj ekax ij izfrns; _.k

Cash Credits, Overdrafts & Loans repayable on demand 53388,53,03 45413,94,56

(iii) eh;knh _.k

Term Loans 71197,06,56 62926,84,42

dqy@Total 128955,06,29 111977,69,02

[k@B.(i) ewrZ vkfLr;ksa }kjk izfrHkwr ¼cgh _.kksa ds izfr fn, x, vfxzekas lfgr½

Secured by Tangible Assets (includes advances against book debts) 112807,92,98 99374,57,28

(ii) cSad@ljdkjh xkjafV;ksa }kjk lqjf{kr

Covered by Banks/Govt. Guarantees 7873,25,19 4404,15,48

(iii) vizfrHkwr

Unsecured 8273,88,12 8198,96,26

dqy@Total 128955,06,29 111977,69,02

x@C. I Hkkjr esa vfxze

Advances in India

(i) izkFkfedrk izkIr {ks=

Priority Sector 46239,66,36 40030,46,89

(ii) lkoZtfud {ks=

Public Sector 9965,31,28 10052,89,87

(iii) cSad

Banks 1,66,09 75,07,23

(iv) vU;

Others 72748,42,56 61819,25,03

dqy@Total 128955,06,29 111977,69,02

II. Hkkjr ls ckgj vfxze@Advances Outside India – –

dqy tksM+ x ¼I ,oa II ½@Grand Total C (I &II) 128955,06,29 111977,69,02

98






LFkk;h vkfLr;ka@FIXED ASSETS

I. ifjlj@PREMISES

fiNys o"kZ 31 ekpZ dh ykxr ij

At cost on 31st March of the preceeding year 1404,43,34 1382,45,21

o"kZ ds nkSjku o`f)

Additions during the year 12,00,17 23,07,13

o"kZ ds nkSjku dVkSfr;ka

Deductions during the year -260,77,95 -1,09,00

mitksM+@Sub-Total 1155,65,56 1404,43,34

?kVkb, % v|ru vo{k;.k

Less: Depreciation to date 274,35,77 256,78,51

tksfM+, % py jgk fuekZ.k dk;Z

Add: Construction work in Progress 16,91,28 21,36,96

I dk tksM+@TOTAL OF I 898,21,07 1169,01,79

II. vU; LFkk;h vkfLr;ka ¼QuhZpj vkSj fQDlpj lfgr½

Other Fixed Assets (Including Furnitures & Fixtures)

fiNys o"kZ 31 ekpZ dh ykxr ij

At cost as on 31st March of the preceeding year 945,57,95 853,96,00

o"kZ ds nkSjku o`f)

Additions during the year 251,76,77 146,72,98

o"kZ ds nkSjku dVkSfr;ka

Deductions during the year 113,60,01 55,11,02

v|ru vo{k;.k

Depreciation to date 754,54,77 693,94,24

II dk tksM+@TOTAL OF II 329,19,94 251,63,72

tksM+ (I rFkk II)@TOTAL OF (I & II) 1227,41,01 1420,65,51

99






vU; vkfLr;ka@OTHER ASSETS

(i) mifpr C;kt@Interest Accrued 1049,36,03 1041,64,92

(ii) lzksr ij dkVk x;k dj@olwyh ;ksX; vk; dj

Tax deducted at source/Income Tax Recoverable 1433,73,08 1149,87,44

(iii) ys[ku lkexzh vkSj fVdV

Stationery and Stamps 214,71 79,25

(iv) xSj&cSaddkjh vkfLr;ka] tks nkoksa dh rqf"V esa vftZr dh xbZ gS

Non Banking Assets acquired in satisfaction of claims 65,59,31 65,59,31

(v) vkLFkfxr dj vkfLr;ka ¼fuoy½

Deferred Tax Assets (Net) 1,00,00 34,00,00

(vi) vU;@Others* 818,61,88 1016,04,54

dqy@Total 3370,45,01 3307,95,46

*blesa LVkQ dks fcuk C;kt ij fn, _.k rFkk vfxze 'kkfey gSaA

*Includes non-interest bearing loans and advances to staff 3,10 2,67


vkdfLed ns;rk,a@CONTINGENT LIABILITIES

I. cSad ds f[kykQ _.k ds :i esa LohÑr u gq, nkos ¼vihyk/khu@

lanHkkZ/khu fooknkLin vk;dj vkSj C;kt dj nkf;Ro vkfn lfgr½

Claims against the banks not acknowledged as debts (Including disputed

Income tax and Interest tax liability under Appeal, Reference etc. 2058,00,56 1315,28,76

II. va'kr% iznÙk fofu/kkuksa ds fy, nkf;Ro

Liabilities for partly paid investments 0 0

III. cdk;k ok;nk fofue; lafonkvksa ds izfr nkf;Ro

Liability on account of outstanding forward exchange contracts 49528,83,56 38138,88,53

IV. xzkgdksa dh vksj ls nh xbZ xkjafV;ka

Guarantees given on behalf of constituents

d@a) Hkkjr esa@In India 14123,58,58 13739,56,97

[k@b) Hkkjr ds ckgj@Outside India 1339,29,31 774,42,59

V. LohÑfr;ka] i`"Bkadu rFkk vU; ck/;rk,a

Acceptances, endorsements and other obligations 19764,32,48 14082,13,91

VI. vU; ensa] ftuds fy, cSad vkdfLed :i ls nk;h gS

Other items for which the bank is contingently liable 15,40,70 13,45,72

dqy@Total 86829,45,19 68063,76,48

100






vftZr C;kt@INTEREST EARNED

I. vfxzeksa@fcyksa ij C;kt@fefrdkVk

Interest/Discount on Advances/Bills 13758,05,53 12074,64,94

II. fofu/kku ij vk;

Income on Investments 3853,81,37 3670,93,44

III. Hkkjrh; fjtoZ cSad esa vf/k'ks"kksa vkSj vUrj cSad fuf/k;ksa ij C;kt

Interest on balances with Reserve Bank of India and inter-Bank funds 31,45,73 34,17,83

IV. vU;@Others 61,44,93 35,12,25

dqy@Total 17704,77,56 15814,88,46


vU; vk;@OTHER INCOME

I. deh'ku] fofue; ,oa nykyh

Commission, Exchange & Brokerages 765,80,79 725,81,09

II. fofu/kkuksa dh fcØh ij ykHk

Profit on Sale of Investments 206,93,86 179,30,88

?kVkb, % fofu/kkuksa dh fcØh ij gkfu

Less: Loss on Sale of Investments 38,45,95 9,04,87

168,47,91 170,26,01

III. fofu/kkuksa ds iquewZY;kadu ij ykHk

Profit on revaluation of Investments 0 0

?kVkb, % fofu/kkuksa ds iquewZY;kadu ij gkfu

Less: Loss on revaluation of Investments 0 0

IV. LFkk;h vkfLr;ksa dh fcØh ij ykHk

Profit on Sale of Fixed Assets 22,36,20 3,60,07

?kVkb, % LFkk;h vkfLr;ksa dh fcØh ij gkfu

Less: Loss on Sale of Fixed Assets 1,03,19 76,77

21,33,01 2,83,30

V. fofue; ysu&nsuksa ij ykHk ¼fuoy½

¼blesa fons'kh eqæk vkfLr;ksa vkSj nkf;Roksa ds ewY;kadu ij ykHk ds

laca/k esa 17645-30 yk[k #- ¼xro"kZ 12102-93 yk[k #-½ 'kkfey gSa½

Profit on Exchange Transactions (Net) (Including Rs.17645.30 Lac-Previous year

Rs.12102.93 lac on account of profit on valuation of Foreign Currency Assets & Liabilities) 123,03,33 177,48,10

VI. fofo/k vk;@Miscelleneous Income 576,06,33 163,86,28

dqy@Total 1654,71,37 1240,24,78

101






vifpr C;kt@INTEREST EXPENDED

I. fu{ksiksa ij C;kt

Interest on Deposits 12552,67,33 11212,95,05

II. Hkkjrh; fjtoZ cSad@vUrj cSad m/kkjksa ij C;kt

Interest on Reserve Bank of India and inter-Bank Borowings 110,79,23 37,71,41

III. vU;@Others 340,15,50 348,42,88

dqy@Total 13003,62,06 11599,09,34


ifjpkyu O;;@OPERATING EXPENSES

I. deZpkfj;ksa dks Hkqxrku ,oa muds fy, izko/kku

Payment to and Provision for employees 1576,09,00 1356,81,16

II. HkkVd] dj vkSj jks'kuh

Rent, Taxes & Lighting 263,97,78 234,34,73

III. eqæ.k vkSj ys[ku lkexzh

Printing & Stationery 29,76,42 27,46,64

IV. foKkiu vkSj izpkj

Advertisement & Publicity 22,85,77 15,81,78

V. cSad dh lEifÙk ij vo{k;.k@ifj'kks/ku

Depreciation/Amortisation on Bank's Property 147,46,48 133,12,70

?kVkb, % iquewZY;kafdr vkjf{kr fuf/k esa lek;ksftr

Less: Adjusted with Revaluation Reserve 24,33,43 123,13,05 28,90,79 104,21,91

VI. funs'kdksa dh Qhl] HkÙks vkSj [kpZ

Directors' fees, allowances and expenses 88,19 65,35

VII. ys[kkijh{kdksa ¼'kk[kk ys[kkijh{kdksa lfgr½ dh Qhl vkSj [kpsZ

Auditors' fee and expenses (including Branch Auditors) 17,46,47 19,34,36

VIII. fof/k izHkkj@Law Charges 24,97,04 22,09,54

IX. Mkd eglwy] rkj] VsyhQksu vkfn

Postage, Telegram, Telephones etc. 35,31,64 30,70,34

X. ejEer vkSj j[k j[kko@Repairs & Maintenance 36,20,51 30,03,44

XI. chek@Insurance 162,94,23 148,21,42

XII. vU; O;;@Other Expenditure 371,57,71 325,75,20

dqy@Total 2665,17,81 2315,45,87

102



SCHEDULE - 17 SIGNIFICANT ACCOUNTING POLICIES1. BASIS OF PREPARATION

The financial statements have been prepared under the historical cost convention unless otherwise stated. They conform to Generally Accepted Accounting Principles (GAAP) in India, which comprises statutory provisions, regulatory/ Reserve Bank 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. USE OF ESTIMATESThe preparation of financial statements requires the management to make estimates and assumptions considered in the reported amounts of assets and liabilities (including contingent liabilities) as of date of the financial statements and the reported income and expenses for the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Future results could differ from these estimates. Any revision to the accounting estimates is recognised prospectively in the current and future periods .

3. REVENUE RECOGNITION3.1 Income and expenditure are accounted for on accrual

basis except , commission received / paid, locker rent, legal expenses for suit filed accounts and recoveries there against, dividend on investments, interest on overdue bills, insurance premium paid on Housing Loans and interest on tax refunds are accounted for on realisation/payment basis.

3.2 In view of uncertainity of collection of income in cases of Non performing Assets/Investments , such income is accounted for only on realisation in terms of the RBI guidelines.

3.3 Interest on overdue deposits is provided for at the Saving Bank Deposit Rate and the balance is accounted for at the time of renewal.

4. INVESTMENTS4.1 In accordance with RBI guidelines, investments are

classified into three categories.

i. Held to Maturity (Investments intended to be held till maturity)

ii. Held for Trading (Investments held for sale within 90 days from the date of acquisition )

iii. Available for Sale: (Investments not classified in (i) and (ii), above.)

However, for disclosure in the Balance Sheet, Investments are classified under the following heads. (a) Government Securities (b) Other Approved Securities (c) Shares (d) Debentures and Bonds (e) Subsidiaries / Joint Ventures and (f) Others.

vuqlwph&17egRoiw.kZ ys[kkadu uhfr;ka

1- rS;kj djus dk vk/kkj

fOkRRkh¸k fOkOkjf.k¸kka IkjaIkjkXkRk ykxr vOk/kkj.kk d¢ vUkqLkkj RkS¸kkj dh XkbZ gSa] TkCk Rkd fd vU¸kFkk mfYYkf[kRk Uk gksA ¸ks HkkjRk Eksa LkkEkkU¸kRk% LOkh—Rk Yks[kkadUk fLk)kaRkksa ¼GAAP½ d¢ vUkqdwYk gSa fTkuEksa LkkafOkf/kd IkzkOk/kkUk] fUk¸kkEkd@HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'k] HkkjRkh¸k LkUknh Yks[kkdkj LkaLFkkUk ¼ICAI½ }kjk Tkkjh Yks[kkadUk EkkUkd@EkkXkZn'khZ fVIIkf.k¸kka RkFkk HkkjRk Eksa CkSafdaXk m|ksXk Eksa IkzPkfYkRk IkzFkk,a 'kkfEkYk gSaA

2- IkzkDdYkUk dk mIk¸kksXk

IkzCka/k OkXkZ dks fOkRRkh¸k fOkOkjf.k¸kka RkS¸kkj djUks Eksa IkzkDdYkUk RkFkk /kkj.kk,a djUkh visf{kr gksRkh gS Tkks fOkRRkh¸k fOkOkfj.k¸kksa dh Rkkjh[k dks vkfLRk Ok ns¸kRkkvksa ¼vkdfLEkd ns¸kRkkvksa LkfgRk½ dh ¸kFkkLkwfPkRk jkf'k Eksa vkSj fjIkksfV±Xk vOkf/k d¢ fYk, ¸kFkkLkwfPkRk vk¸k Ok O¸k¸k Eksa fy, TkkRks gSaA IkzCka/k OkXkZ dk fOk'OkkLk gS fd fOkRRkh¸k fOkOkjf.k¸kka RkS¸kkj djUks Eksa Ikz¸kksXk fd, Xk, IkzkDdYkUk foosdiw.kZ rFkk lqlaxr gSA Òkoh ifj.kke bu vuqeku¨a Lks fHkUUk gks LkdRks gSaA Yks[kkadUk IkzkDdYkUk Eksa dksbZ Lka'kks/kUk] OkRkZEkkUk RkFkk HkkOkh vOkf/k Eksa HkfOk"¸kYk{kh IkzHkkOk Lks EkkUkk TkkRkk gSA

3- jkTkLOk EkkU¸kRkk

3-1 jktLo vkSj O;; dks mip; vk/kkj ij fglkc esa fy;k x;k gS fdURkq izkIr@iznŸk deh'ku] ykWdj fdjk;k] okn nk;j [kkrksa ij dkuwuh O;; vkSj buesa gqbZ olwyh] fofu/kku ij ykHkka'k] vfrns; fcykssa Ikj C¸kkTk] vkokl _.kksa ij iznŸk chek izhfe;e rFkk dj&okilh ij C;kt dks OkLkwYkh@HkqxRkkUk vk/kkj ij fglkc esa fy;k x;k gSA

3-2 XkSj&fUk"IkknUkdkjh vkfLRk¸kksa@fOkfUk/kkUkksa d¢ EkkEkYks Eksa vk¸k d¢ LkaXkzg.k dh vfUkf'PkRkRkk dks /¸kkUk Eksa j[kRks gq, HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'kksa d¢ vUkqLkkj ,sLkh vk¸k dks OkLkwYkh gksUks Ikj gh fgLkkCk Eksa fYk¸kk TkkRkk gSA

3-3 vfrns; tekjkf'k;ksa ij C;kt dk izko/kku cpr cSad nj ij fd;k x;k gS vkSj 'ks"k dks uohdj.k ds le; fglkc esa fy;k x;k gSA

4- fofu/kku

4-1 Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kksa ds vuqlkj cSad ds fofu/kkuksa dks rhu Jsf.k;ksa esa foHkkftr fd;k x;k gSA

i. ifjiDork rd /kkfjr ¼ifjiDork rd /kkfjr fd, tkus gsrq vk'kf;r fofu/kku½

ii. O;kikj gsrq /kkfjr ¼vfHkxzg.k dh frfFk ls 90 fnu ds Hkhrj fcØh gsrq /kkfjr fofu/kku½

iii. fcØh gsrq miyC/k ¼mi;qZä (1) o (2) esa oxhZ—r u fd, x, fofu/kku½

rFkkfi] rqyu&i= esa izdVhdj.k gsrq] fofu/kkuksa dks fuEufyf[kr 'kh"kks± ds rgr oxhZ—r fd;k x;k gS ¼d½ ljdkjh izfrHkwfr;ka ¼[k½ vU; vuqeksfnr izfrHkwfr;ka ¼x½ 'ks;j ¼?k½ fMcsapj ,oa ckW.M ¼³½ vuq"kaxh@la;qä m|e rFkk ¼p½ vU;A

103



4.2 Valuation:i) Held to Maturity: -

a. Investments under “Held to Maturity“ category are carried at acquisition cost or amortized cost if acquired at a premium over face value. Wherever the book value is higher than the face value / redemption value, the premium is amortized over the remaining period of maturity.

b. Investments in joint venture are valued at carrying cost less diminution, in value, if any, other than temporary in nature.

c. Investment in venture capital is valued at carrying cost

ii) Available for Sale and Held for Trading

1. Government of India Securities

At market prices as published by Fixed Income Money Market and Derivatives Association (FIMMDA ).

2.State Development Loans / Other Approved Securities

At appropriate yield to maturity basis as per FIMMDA guidelines.

3.Treasury Bills, Commercial Papers and Certificate of Deposits

At carrying cost.

4. Equity Shares

(i) Quoted: At market price. (ii) Unquoted: At break up value,

where latest balance sheet is available (not more than one year old), otherwise at Re. 1/- per company.

5. Preference Shares(i) Quoted: At market price.(ii) Unquoted: On appropriate

yield to maturity.

6. Debentures / Bonds

(i) Quoted: At market price.(ii) Unquoted: At appropriate

yield to maturity based on rating assigned by Rating Agencies.

7. Units of Mutual Funds(i) Quoted: At market price.(ii) Unquoted: At repurchase

price/ Net Asset Value.

8.Security receipts of Asset Reconstruction Company of India Ltd. (ARCIL)

At net asset value of the asset as declared by ARCIL.

The above valuation in category of Available for Sale and Held for Trading are done scrip wise and depreciation / appreciation is aggregated for each classification. Net depreciation for each classification, if any, is provided for while net appreciation is ignored.

4.3 Transfer of securities from one category to another is accounted for at the least of acquisition cost / book value / market value on the date of transfer. The Depreciation, if any, on such transfer is fully provided for.

4-2 ewY;kadu%

1- ifjiDork rd /kkfjr%

d- ifjiDork rd /kkfjr Js.kh ds varxZr fofu/kkuksa dks vfHkxzg.k ykxr vFkOkk ¸kfn vafdRk EkwY¸k Lks vf/kd IkzhfEk¸kEk Ikj fYk¸kk Xk¸kk gks Rkks Ikfj'kksf/kRk YkkXkRk ij fy;k x;k gSA tgka cgh ewY;] vafdr ewY;@izfrns; ewY; ls vf/kd gS] ogka izhfe;e dk ifj'kks/ku ifjiDork dh 'ks"k vof/k esa fd;k x;kA

[k- la;qä m|e esa fofu/kkuksa dks] vLFkk;h Lo:i ds fofu/kkuksa dks NksM+dj] j[kko ykxr ?kVk ewY; esa gzkl] ;fn dksbZ gks] ij ewY;kafdr fd;k x;k gS A

Xk- tksf[ke iw¡th esa fofu/kku] j[kko ykxr ij ewY;kafdr fd;k x;k gSA

ii) fcØh gsrq miyC/k rFkk O;kikj gsrq /kkfjr

1- Hkkjr ljdkj dh izfrHkwfr;ka

LFkk¸kh vk¸k Ekqnzk CkkTkkj RkFkk MsfjOksfVOk Lka?k ¼,Q-vkbZ-,e-,e-Mh-,-½ }kjk nh xbZ dksVs'ku ds vuqlkj cktkj ewY; ij

2-jkT; fodkl _.k@vU; vuqeksfnr izfrHkwfr;ka

fQeMk ds ekxZfunsZ'kksa ds vuqlkj ifjiDork ij gksus okyh mi;qä vk; ds vk/kkj ij

3-jktdks"kh; fcy] okf.kfT;d i= vkSj TkEkk IkzEkk.k Ik«k

j[kko ykxr ij

4- bZfDoVh 'ks;j

(i) dksV fd, x, % cktkj ewY; ij (ii) dksV u fd, x, % tgka uohure

rqyu&i= ¼,d o"kZ ls vf/kd iqjkuk u gks½ miyC/k gS] ogka czsdvi ewY; ij vU;Fkk izfr dEiuh 1@#i,

5- vf/kekuh 'ks;j(i) dksV fd, x, % cktkj ewY; ij (ii) dksV u fd, x, % ifjiDork ij

gksus okyh mi;qä vk; ij

[email protected]

(i) dksV fd, x, % cktkj ewY; ij (ii) dksV u fd, x, % jsÇVx ,tsafl;ksa

}kjk nh xbZ jsÇVx ds vk/kkj ij ifjiDork ij mi;qä vk; ij

7- E;wpqvy QaM ds ;wfuV(i) dksV fd, x, % cktkj ewY; ij (ii) dksV u fd, x, % iqu[kZjhn

ewY;@fuoy vkfLr ewY; ij

8-vlsV fjdULVªD'ku daiuh vkWQ bafM;k fy- ¼,vkjlhvkbZ,y½ dh izfrHkwfr jlhnsa

,vkjlhvkbZ,y }kjk ?kksf"kr vkfLr ds fuoy vkfLr ewY; ij

*fcØh gsrq miyC/k* rFkk *O;kikj gsrq /kkfjr* Js.kh esa mi;qZä ewY;kadu 'ks;j&okj fd;k x;k gS rFkk izR;sd oxhZdj.k gsrq ewY;gzkl@ewY;o`f) dks tksM+k x;k gSA izR;sd Js.kh ds fy, fuoy o`f) dks NksM+rs gq, fuoy ewY;gzkl] ;fn dksbZ gks] dk iwjk izko/kku fd;k x;k gSA

4-3 izfrHkwfr;ksa ds ,d Js.kh ls nwljh Js.kh esa varj.k dks] varj.k dh rkjh[k dks vfHkxzg.k ykxr@cgh ewY;@cktkj ewY;] tks Hkh de gks] ij fy;k x;k gSA ,sls varj.k ij ewY;gzkl] ;fn dksbZ gks] dk iwjk izko/kku fd;k x;k gSA

104



4.4 Securities purchased/sold under Liquidity Adjustment Facility (LAF) with RBI are debited/credited to Investment Account and reversed on maturity of the transaction. Interest expended/earned thereon is accounted for as expenditure/revenue.

4.5 Others:i. Brokerage/commission received on subscription is

booked in Profit and Loss Account.ii. Brokerage, Commission, securities transaction tax

etc. paid in connection with acquisition of investments are expensed upfront and excluded from cost .

iii. Broken period interest paid / received on purchase /sale of securities is recognised as interest expense / income.

iv. Prudential norms of RBI for non performing investment Classification are applied to Investments and appropriate provisions are made in respect of non performing securities.

v. Profit/Loss on sale of any Investment in any category is taken to Profit and Loss Account. However, in case of profit on sale of Investments under ‘Held to Maturity’ category, an equal amount is appropriated to Capital Reserve Account.

vi Valuation of HFT and AFS portfolio is done on daily and quarterly basis respectively and depreciation, if any, is provided on quarterly basis

4.6 The derivatives transactions are undertaken for trading or hedging purposes. Trading transactions are marked to market. As per RBI guidelines, different categories of swaps are valued as under:i. Hedge swaps: Interest rate swaps which hedges

interest bearing asset or liability is accounted for on accrual basis except the swap designated with an asset or liability that is carried at market value or lower of cost in the financial statement.

Gain or losses on the termination of swaps are recognized over the shorter of the remaining contractual life of the swap or the remaining life of the asset/liability.

ii. Trading swaps: Trading swap transactions are marked to market with changes recorded in the financial statements.

5. ADVANCES / PROVISIONS / RECOVERIES5.1 Advances are classified as performing/ non performing

assets and provisions are made in accordance with prudential norms prescribed by the Reserve Bank of India.

5.2 Advances are net of provisions and technical write-offs made for non-performing Assets.

5.3 Provision for performing Assets is shown under the head “Other Liabilities and Provisions” in terms of RBI guidelines.

5.4 Recoveries in Non-Performing Assets are appropriated first towards principal and thereafter towards interest.

4-4 Hkkjrh; fjtoZ ds ikl rjyrk lek;kstu lqfo/kk ds rgr [kjhnh@ csph xbZ izfrHkwfr;ksa dks fofu/kku [kkrs esa ukes@tek fd;k x;k vkSj laO;ogkj dh ifjiDork ij bls izR;koÆrr dj fn;k x;kA ml ij mifpr@vÆtr C;kt dks O;;@jktLo ds :i esa fglkc esa fy;k x;kA

4-5 vU; i. vfHknku ij izkIr nykyh@deh'ku dks YkkHk Ok gkfUk [kkRks Eksa

nTkZ fd¸kk Xk¸kk gSA ii. fOkfUk/kkUkksa d¢ vfHkXkzg.k d¢ LkaCka/k Eksa nh XkbZ nYkkYkh] dEkh'kUk]

IkzfRkHkwfRk YksUknsUk dj vkfn dk vIkÝaV O¸k¸k fd¸kk TkkRkk gS vkSj bUgsa YkkXkRk Eksa 'kkfEkYk Ukgha fd¸kk Xk¸kkA

iii. izfrHkwfr;ksa dh [kjhn@fcØh ij [kafMr vof/k ds iznŸk@izkIr C;kt dks C;kt O;;@vk; ekuk x;k gSA

iv. fofu/kkuksa ij xSj fu"iknudkjh fofu/kkuksa ds oxhZdj.k gsrq Hkkjrh; fjtoZ cSad ds foosdiw.kZ izfreku yxk, x, gSa rFkk xSj fu"iknudkjh izfrHkwfr;ksa ds laca/k esa mi;qä izko/kku fd;k x;k gSA

v. fdlh Hkh Js.kh ds fofu/kku dh fcØh ij gq, ykHk@gkfu dks ykHk&gkfu [kkrs esa fy;k x;k gSA rFkkfi *ifjiDork rd èkkfjr* Js.kh ds rgr fofu/kkuksa dh fcØh ij ykHk gksus ij leku jkf'k dks iwath vkjf{kr fuf/k [kkrs esa fofu;ksftr fd;k x;k gSA

vi. O¸kkIkkj d¢ fYk, /kkfjRk ¼,Pk,QVh½ RkFkk fCkØh d¢ fYk, mIkYkC/k LkafOkHkkx ¼,,Q,Lk½ dk EkwY¸kkadUk ØEk'k% nSfUkd RkFkk fRkEkkgh vk/kkj Ikj fd¸kk TkkRkk gS vkSj kfn dksbZ EkwY¸kgzkLk gks Rkks mldk Áko/kku fRkEkkgh vk/kkj Ikj fYk¸kk TkkRkk gSA

4-6 O¸kqRIkUUk YksUk&nsUk O¸kkIkkfjd ¸kk CkPkkOk O¸kOkLFkk Ikz¸kksTkUkksa Lks fd, TkkRks gSaA O¸kkIkkfjd YksUk&nsUk CkkTkkj EkwY¸k Ikj vafdRk fd, TkkRks gSaA HkkjRkh¸k fjTkOkZ CkSad d¢ fUknsZ'kkUkqLkkj LoSi dh fOkfHkUUk Jsf.k¸kksa dk EkwY¸kkadUk fUkEUkkUkqLkkj fd¸kk TkkRkk gS %i. cpko LoSi % C¸kkTk nj LkaCka/kh LOkSIk LkkSnksa] Tkks C¸kkTk OkkYkh

vkfLRk ¸kk ns¸kRkk dk CkPkkOk djRks gSa] dks mip; vk/kkj Ikj fgLkkCk Eksa fYk¸kk TkkRkk gS] d¢OkYk ,sLks fOkfUkEk¸k LkkSns dks NksM+dj] Tkks CkkTkkj EkwY¸k Ikj Ykh XkbZ vkfLRk ¸kk ns¸kRkk d¢ fYk, gS ¸kk fOkRRkh¸k fOkOkj.kh Eksa YkkXkRk Lks dEk Ikj Ykh XkbZa vkfLRk ¸kk ns¸kRkk d¢ LkkFk fOkfUkfnZ"V gSA

LOkSIk LkkSns LkEkkIRk gksUks Ikj gq, YkkHk ¸kk gkfUk dks] LOkSIk dh 'ks"k LkafOknkXkRk vOkf/k ¸kk vkfLRk@ns¸kRkk dh 'ks"k vOkf/k Eksa Lks Tkks dEk gks] mLkd¢ vk/kkj Ikj fYk¸kk TkkRkk gSA

ii. O¸kkIkkfjd LOkSIk% O¸kkIkkfjd LOkSIk YksUk&nsUkksa dks CkkTkkj EkwY¸k ij vafdRk fd¸kk TkkRkk gS vkSj LkaCkaf/kRk IkfjOkRkZUkksa dks fOkRRkh¸k fOkOkj.kh Eksa nTkZ fd¸kk TkkRkk gSA

5- vfxze@izko/kku@olwyh5-1 vfxzeksa dks fu"iknudkjh@xSj&fu"iknudkjh vkfLr;ksa esa oxhZ—r

fd;k x;k gS vkSj mu ij Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr foosdiw.kZ izfrekuksa ds vuqlkj izko/kku fd, x, gSaA

5-2 vfxzeksa esa xSj&fu"iknudkjh vkfLr;ksa ds fy, fd, x, izko/kku rFkk rduhdh #i ls cV~Vs [kkrs Mkyh xbZ jkf'k 'kkfey ugha gSA

5-3 fu"iknudkjh vkfLr;ksa gsrq izko/kku dks HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'kksa d¢ vUkqLkkj ^vU; ns;rk,a o izko/kku* 'kh"kZ ds varxZr fn[kk;k x;k gSA

5-4 xSj&fu"iknudkjh vkfLr;ksa esa gqbZ olwyh dks igys ewy/ku vkSj rRi'Pkkr~ C;kt ds izfr fofu;ksftr fd;k x;k gSA

105



6. FIXED ASSETS AND DEPRECIATION6.1 Premises and other Fixed Assets are stated at historical

cost except revalued premises which are stated at revalued amount. The appreciation on revaluation is credited to Revaluation Reserve and the incremental depreciation attributable to the revalued amount is deducted therefrom.

6.2 Premises include cost of land.

6.3 Fixtures and fittings in rented premises are treated as Temporary Erection.

6.4 Depreciation on Fixed assets including premises where value of land is not separable (other than those referred in para 6.5 given below) , is provided on the Written Down Value at the rates prescribed in the Income Tax Rules, 1962;

6.5 Depreciation on Computers and ATMs is provided on Straight line Method at the rate of 33.33% per annum as per the guidelines of RBI .Computers softwares not forming an integral part of hardware is charged directly to Profit and Loss account.

6.6. No depreciation is provided in the year of sale/disposal. Depreciation on additions during the period upto 180 days is provided for full year otherwise for half year.

6.7 Premium paid on leasehold land is amortised over the period of lease.

7. FOREIGN EXCHANGE TRANSACTIONS7.1 Monetary assets and liabilities are revalued at exchange

rates advised by Foreign Exchange Dealers Association of India (FEDAI) at the close of the financial year and the resultant gain/loss is taken to revenue.

7.2 Income and expenditure items are accounted for at the exchange rates prevailing on the date of the transaction.

7.3 Forward exchange contracts and bills are translated at the exchange rates prevailing on the date of commitment. Outstanding foreign exchange contracts and bills are revalued as per FEDAI rates and the resultant gain/loss is taken to revenue.

7.4 Foreign currency guarantees, acceptances, endorsements and other obligations are stated at FEDAI rates at the close of the financial year.

8. EMPLOYEE BENEFITS8.1 Provident fund is a defined contribution as the bank pays

fixed contribution at predetermined rates. The obligation of the bank is limited to such fixed contribution.The Contributions are charged to Profit and Loss account.

8.2 Gratuity and pension liability are defined benefit obligation and are provided for on the basis of Actuarial Valuation made at the end of the financial year. The schemes are funded by the Bank and are managed by separate trusts. New Pension Scheme which is applicable to employees who have joined bank on or after 01.04.2010 is a defined contribution scheme. Bank pays fixed contribution at pre

6- vpy ifjlaifÙk;ka rFkk ewY;gzkl

6-1 IkfjLkjksa RkFkk vU¸k vPkYk vkfLRk¸kksa dks IkjaIkjkXkRk YkkXkRk Ikj fn[kk¸kk Xk¸kk gS fdaRkq bLkEksa IkqUk% EkwY¸kkafdRk IkfjLkj 'kkfEkYk Ukgha gSa fTkUgsa IkqUk% EkwY¸kkafdRk EkwY¸k Ikj fn[kk¸kk Xk¸kk gSA IkqUkEkwZY¸kkadUk d¢ dkj.k gqbZ Ok`f) dks IkqUkEkwZY¸kkadUk vkjf{kRk fUkf/k Eksa tek fd¸kk Xk¸kk gS v©j IkqUkEkwZY¸kkafdRk jkf'k d¢ dkj.k gq, Ok`f)'khy EkwY¸kgzkLk dks bLkEksa Lks ?kVk¸kk Xk¸kk gSA

6-2 ifjljksa esa Hkwfe dk ewY; 'kkfey gS A

6-3 fdjk, ij fy, x, ifjljksa ds fQDlpjksa o fQÇVx dks vLFkk;h <+kapk ekuk x;k gSA

6-4 Tkgka HkwfEk dk EkwY¸k vYkXk Ukgha gS ¼UkhPks IkSjk 6-5 Eksa fd, Xk, mYYks[k d¢ vYkkOkk½] Okgka IkfjLkj¨a LkfgRk vPkYk LkaIkfRRk¸kksa Ikj EkwY¸kgzkLk dk IkzkOk/kkUk vk¸k dj fUk¸kEkksa] 1962 Eksa fUk/kkZfjRk njksa Ikj vIkfYkf[kRk EkwY¸k Ikj fd¸kk Xk¸kk gSA

6-5 daI¸kwVj rFkk ,Vh,Ek Ikj EkwY¸kgzkLk d¢ fYk, IkzkOk/kkUk HkkjRkh¸k fjTkOkZ CkSad d¢ EkkXkZfUknsZ'aksa d¢ vUkqLkkj 33-33 izfr”kr okf"kZd dh nj Lks Lkh/kh dVkSRkh Ikz.kkYkh Lks fd¸kk Xk¸kk gSA daI;wVj lkW¶Vos;j t¨ gkMZos;j dk v[kaM Òkx ugha gS] d¨ lh/ks ykÒ o gkfu [kkrs esa ÁÒkfjr fd;k x;k gSA

6-6 fOcØh@fUkIkVkUk ds Ok"kZ Eksa EkwY¸kgzkLk dk dksbZ IkzkOk/kkUk Ukgha fd¸kk Xk¸kk gSA 180 fnUkksa Rkd dh vOkf/k d¢ nkSjkUk IkfjOk/kZUk Ikj EkwY¸kgzkLk dk IkzkOk/kkUk Ikwjs Ok"kZ d¢ fYk, vU¸kFkk NEkkgh d¢ fYk, fd¸kk Xk¸kk gSA

6-7 iV~Vk/kkjh Hkwfe ij iznŸk izhfe;e iV~Vs dh vof/k esa ifj'kksf/kr fd;k x;kA

7- fons'kh eqæk ysu-nsu

7-1 ekSfæd vkfLr;ka vkSj ns;rk,a foŸk o"kZ ds var esa Hkkjrh; fons'kh eqæk O;kikjh la?k ¼QsMkbZ½ }kjk lwfpr fofue; njksa ij iquewZY;kafdr dh xbZ gSa vkSj blls gq, ykHk@gkfu dks jktLo esa fYk;k x;k gSA

7-2 vk; rFkk O;; enksa dks] ysu&nsu dh rkjh[k dks izo`Ÿk fofue; njksa ij fglkc esa fy;k x;k gSA

7-3 ok;nk fofue; lafonkvksa rFkk fcyksa dks] ok;ns dh rkjh[k dks izHkkoh fofue; nj ij fy;k x;k gSA cdk;k fons'kh eqæk fofue; lafonkvksa vkSj fcyksa dk iquewZY;kadu QsMkbZ dh njksa ds vuqlkj fd;k x;k gS vkSj ifj.kker% muij gq, ykHk&gkfu dks jktLo esa fy;k x;k gSA

7-4 foŸk o"kZ ds var esa fons'kh eqæk xkjafV;ksa] Loh—fr;ksa] ijkaduksa rFkk vU; ns;rkvksa dk mYys[k QsMkbZ njksa ij fd;k x;k gSA

8- dEkZPkkjh fgRk

8-1 HkfOk"¸k fUkf/k ,d IkfjHkkf"kRk va'knkUk gS D¸kksafd CkSad IkwOkZfUk/kkZfjRk njksa Ikj fUk¸kRk va'knkUk vnk djRkk gSA CkSad dk nkf¸kROk ,sLks fUk¸kRk va'knkUk Rkd LkhfEkRk gSA ¸ks va'knkUk YkkHk ,Oka gkfUk [kkRks Eksa IkzHkkfjRk fd, TkkRks gSaA

8-2 mIknkUk RkFkk Iksa'kUk ns¸kRkk] IkfjHkkf"kRk YkkHk nkf¸kROk gS vkSj bLkd¢ fYk, IkzkOk/kkUk] fOkRRkh¸k Ok"kZ d¢ vaRk Eksa fd, Xk, CkhEkkafdd EkwY¸kkadUk d¢ vk/kkj Ikj fd¸kk TkkRkk gSA bUk ¸kksTkUkkvksa dk fUk/kh¸kUk CkSad }kjk fd¸kk TkkRkk gS vkSj IkzCka/k fOkfHkUUk VªLVksa }kjk fd¸kk TkkRkk gSA CkSad Eksa 01-04-2010 dks vFkOkk bLkd¢ Ckkn dk¸kZXkzg.k djUks OkkYks dEkZPkkfj¸kksa Ikj YkkXkw UkbZ Iksa'kUk ¸kksTkUkk ,d IkfjHkkf"kRk va'knkUk ¸kksTkUkk gSA CkSad IkwOkZfUk/kkZfjRk nj Ikj fUk¸kRk va'knkUk vnk djRkk gSA CkSad dk nkf¸kROk

106



determined rate. The obligation of the bank is limited to such fixed contribution. The contribution is charged to Profit and Loss Account.

8.3 Other Employee benefits such as leave encashments, leave fare concessions and sick leave are provided for based on actuarial valuation .

8.4 Short term employee benefits are recognized as an expense in the profit and loss account of the year in which the related services are rendered.

9. TAXES ON INCOMEIncome tax expense is the aggregate amount of current tax and deferred tax.Current tax is determined on the amount of tax payable in respect of taxable income for the year and accordingly provision for tax is made.Deferred Tax Assets and Liabilities arising on account of timing differences and which are capable of reversal in subsequent periods are recognized using the tax rates and the tax laws that have been enacted or substantively enacted by the Balance Sheet date. Deferred tax assets are recognised only if there is virtual certainty of realisation of such assets in future.

10. IMPAIRMENT OF ASSETSImpairment losses, if any, on Fixed Assets including Revalued Assets, are recognized in accordance with Accounting Standard 28 “Impairment of Assets” issued in this regard by the Institute of Chartered Accountants of India and charged to Profit and Loss Account.

11. PROVISIONS,CONTINGENT LIABILITIES AND CONTINGENT ASSETS

11.1 In conformity with Accounting Standard 29 “Provisions, Contingent Liabilities and Contingent Assets” issued by the Institute of Chartered Accountants of India, the Bank recognizes provisions only when it has a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and when a reliable estimate of the amount of the obligation can be made.

11.2 Contingent Assets are not recognized in the financial statements since this may result in the recognition of income that may never be realized.

12. EARNINGS PER SHAREThe bank reports basic and diluted earnings per equity share in accordance with the AS 20 (Earnings Per Share) issued by the ICAI. Basic earnings per equity share has been computed by dividing net income by the weighted average number of equity shares outstanding for the period. Diluted earnings per equity share has been computed using the weighted average number of equity shares and dilutive potential equity shares outstanding during the period.

,sLks fUk¸kRk va'knkUk Rkd LkhfEkRk gSA ¸kg va'knkUk] YkkHk ,Oka gkfUk [kkRks Eksa IkzHkkfjRk fd¸kk Xk¸kk gSA

8-3 vU¸k dEkZPkkjh YkkHk TkSLks NqÍh dk Ukdnhdj.k] NqÍh fdjk¸kk fj¸kk¸kRk RkFkk CkhEkkjh dh NqÍh dk IkzkOk/kkUk CkhEkkafdd EkwY¸kkadUk Ikj vk/kkfjRk gSA

8-4 vYIkkOkf/k dEkZPkkjh YkkHkksa dks ml o"kZ] ftlesa lacaf/kr lsok,a iznku dh xb±] ds ykHk ,oa gkfu [kkrs esa [kpZ ds :i esa ekU;rk nh XkbZ gSaA

9- vk; ij dj

vk; dj O;; pkyw dj vkSj vkLFkfxr dj] nksuksa dh dqy jkf'k gSA

pkyw dj dk fu/kkZj.k] o"kZ dh dj&;ksX; vk; d¢ laca/k esa ns; dj dh jkf'k ij fd;k x;k gS rFkk rnuqlkj dj dk izko/kku fd;k x;k gSA

le; ds ifjorZu ls gksus okyh vkLFkfxr dj vkfLr;ksa vkSj ns;rkvksa] ftudk izR;korZu ckn dh vof/k esa fd;k tk ldrk gks] dks rqyui= dh rkjh[k rd ;k ckn esa ykxw gksus okyh dj njksa vkSj dj fu;eksa dk iz;ksx djrs gq, ekU;rk nh xbZ gSA le; ds ifjorZu ls gksus okyh vkLFkfxr dj vkfLr;ksa dks RkHkh EkkU¸kRkk nh TkkRkh gS ¸kfn HkfOk"¸k Eksa ,sLkh vkfLRk¸kksa dh OkLkwYkh gksUks dh OkkLRkfOkd fUkf'PkRkRkk gksA

10- vkfLr;ksa dh vutZdrk

iquZewY;kafdr vkfLr;ksa lfgr vpy vkfLr;ksa ij vutZd ?kkVs] ;fn dksbZ gks] Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kkadu ekud 28 ^vkfLr;ksa dh vutZdrk* ds vuqlkj fglkc esa fy, x, gSa vkSj bUgsa ykHk ,oa gkfu [kkrs esa izHkkfjr fd;k x;k gSA

11- izko/kku] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka

11-1 Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kkadu ekud 29 **izko/kku] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka** ds vUkq:Ik cSad ,sls izko/kkuksa dks rHkh ekurk gS tcfd fiNyh ?kVuk ds ifj.kker% bUkdk orZeku nkf;Ro gksA ,sLkh laHkkouk gS fd bu nkf;Roksa dks iwjk djus ds fy, vkÆFkd ykHkksa dks lekfOk"V djrs gq, lalkèkuksa ds cká izokg dh vko';drk gks rFkk tc nkf;Ro dh jkf'k dk fo'oluh; vkdyu fd;k tk ldrk gksA

11-2 foŸkh; foojf.k;ksa esa vkdfLed vkfLr;ksa dks ugha fy;k x;k gS D;ksafd blls ,slk vk; fu/kkZj.k gks ldrk gS tks dHkh olwy u gks ldsA

12- IkzfRk 'ks¸kj vTkZUk

CkSad vkbZLkh,vkbZ }kjk Tkkjh ,,Lk 20 ¼IkzfRk 'ks¸kj vTkZUk½ d¢ vUkqLkj.k Eksa EkwYk RkFkk gzkfLkRk IkzfRk bfDOkVh 'ks¸kj vTkZUk dh LkwPkUkk nsRkk gSA EkwYk vTkZUk IkzfRk bfDOkVh 'ks¸kj dh Xk.kUkk] fUkOkYk vk¸k dks vkYkksP¸k vOkf/k d¢ fYk, Ckdk¸kk bfDOkVh 'ks¸kjksa dh HkkfjRk vkSLkRk Lka[¸kk Lks fOkHkkfTkRk djd¢ dh xbZ gSA gzkfLkRk vTkZUk IkzfRk bfDOkVh 'ks¸kj dh Xk.kUkk bfDOkVh 'ks¸kjksa dh HkkfjRk vkSLkRk Lka[¸kk RkFkk vkYkksP¸k vOkf/k d¢ nkSjkUk Ckdk¸kk gzkfLkRk LkaHkkO¸k bfDOkVh 'ks¸kj dh Lka[¸kk dk Ikz¸kksXk djd¢ dh xbZ gSA

107



SCHEDULE -18NOTES TO ACCOUNTS1. In respect of certain premises costing Rs. 9.14 crores

(previous year Rs. 10.91 crores), Registration / Execution of documents, in favour of the Bank are yet to be completed. However, adequate steps have been initiated to complete the formalities. Title deeds in respect of 2 properties costing Rs. 1.98 crores (previous year Rs.2.10 crore) are yet to be executed and collected from Registrar office.

2. In the absence of information as to the realizable value of securities in certain advances, the value as per records has been considered.

3. Interest accrued but not due on term deposits and saving has been included under the relevant deposits.

4. PROPOSED DIVIDENDProposed Dividend @ 92% on the paid up capital has been provided for.

5. PROVISION FOR TAXATIONA. The provision for Income tax is made as per the

provisions of Income Tax Act, 1961. The provision for current Income Tax for the year ended March 31, 2013 is Rs.418.00 crore (previous year Rs.389.67 crore) has been made considering applicable enactments, judicial pronouncements and legal opinions.

B. The bank during the year filed additional grounds for claims before the Appellate authorities based on the judicial pronouncement for the financial year 2005-06 to 2008-09. The appellate authorities admitted the claim and adjudicated in favour of the bank for the FY 2005-06. In view of this favourable pronouncement, the bank has written-back during the current year excess provision of Rs.180.78 crores for all the above years.

C. The claims against the bank in respect of disputed tax liabilities for various assessment years has increased to Rs.1141.43 crore (previous year Rs.389.59 Crore) which has not been provided for since the bank believes that these demands are largely unsustainable and will eventually be set aside. However, payments made against these demands are included in Schedule 11 under “Other Assets”.

Claims for disputed tax increased during the year mainly due to the following :a. During the year, the Income Tax Department

re-opened the bank’s case for the Financial Year 2004-05 and made additional demand of Rs 259.31 crore. The bank filed writ petition before Hon’ble High court and obtained stay of demand.

b. Income Tax Department passed order for assessment for the financial year 2009-10 raising demand of Rs 283.84 crore which in the bank’s opinion is unsustainable and Bank has filed appeal before Appellate authorities.

vuqlwph - 18ys[kk fVIif.k;ka

1- 9-14 djksM+ #- ¼fiNys o"kZ 10-91 djksM+ #-½ dh ykxr ds dqN ifjljksa ds laca/k esa nLrkostksa dk cSad ds i{k esa iathdj.k@fu"iknu vHkh iwjk gksuk ckdh gSA RkFkkfIk] vkSIkPkkfjdRkk,a Ikwjh djUks d¢ fYk, mi;qä dkjZokbZ vkjaHk dh xbZ gSA 1-98 djksM+ #- ¼fiNys o"kZ 2-10 djksM+ #-½ dh ykxr dh 2 lEifŸk;ksa ds gd&foys[k vHkh fUk"IkkfnRk fd, TkkUks gSa RkFkk iathdj.k dk;kZy; ls fy, tkus gSaA

2- dqN vfxze¨a esa izfrHkwfr;ksa ds olwyh ;ksX; ewY; ls lacaf/kr lwpuk ds vHkko esa fjdkMZ ij miyC/k ewY; dks fy;k x;k gSA

3 eh;knh tekvksa ij izks˜wr fdUrq vns; C;kt dks lacaf/kr tekjkf'k;ksa ds varxZr 'kkfey fd;k x;k gSA

4- izLrkfor ykHkka'k

ÁnŸk iwath ij 92% dh nj ls izLrkfor ykHkka'k dk Áko/kku fd;k x;k gSA

5 djk/kku gsrq izko/kku

d½ vk¸kdj gsRkq IkzkOk/kkUk] vk¸kdj vf/kfUk¸kEk] 1961 d¢ IkzkOk/kku¨aa d¢ vk/kkj Ikj fd¸kk Xk¸kk gSA 31 EkkPkZ] 2013 dks LkEkkIRk Ok"kZ d¢ fYk, PkkYkw vk¸kdj gsRkq 418-00 djksM+ #- ¼fIkNYks Ok"kZ 389-67 djksM+ #Ik,½ dk IkzkOk/kkUk] YkkXkw vf/kfUk¸kEkUk] U¸kkf¸kd ?kks"k.kkvksa vkSj dkUkwUkh EkRkksa dks /¸kkUk Eksa j[kdj fd¸kk Xk¸kk gSA

[k½ CkSad us vkYkksP¸k Ok"kZ d¢ nkSjkUk foŸkh; o"kZ 2005&06 ls 2008&09 ds fy, U;kf;d ?kks"k.kkvksa ds vk/kkj ij vIkhYkh¸k izkfèkdkfj;ksa ds le{k nkoksa ds fy, vfrfjä dkj.k nkf[kYk fd,A vihyh; izkfèkdkfj;ksa us nkoksa dks Lohdkj fd;k ,oa foŸkh; o"kZ 2005&06 gsrq cSad ds i{k esa fu.kZ; fn;kA bLk vuqdwy ?kks"k.kk dks /;ku esa j[krs gq, cSad }kjk mijksä lHkh o"kks± ds fy, fd, x, 180-78 djksM+ : ds vf/kd izko/kku dk pkyw o"kZ ds n©jku izfrys[ku fd;k x;kA

x½ fofHkUUk fu/kkZj.k o"kks± gsrq fooknxzLr dj ns;rkvksa ds laca/k esa cSad ds fo:) nkoksa Eksa 1141-43 djksM+ : ¼fiNys o"kZ 389-59 djksM+ :-½ dh o`f) gqbZ ftudk izko/kku ugha fd;k x;k D;ksafd cSad dk fo'okl gS fd ;s ekaxsa eq[;r% v/kkj.kh; gSa vkSj varr% ;s vizHkkoh gks tk,xhA RkFkkfIk] bu ekaxksa ds fo:) fd, x, Hkqxrkuksa dks vuqlwph 11 esa ^vU; vkfLr;ksa^ ds rgr 'kkfey fd;k x;k gSA

pkyw o"kZ ds nkSjku fooknxzLr dj ds nkoksa esa eq[;r% fuEu dkj.kksa ls o`f) gqbZ % &

d- pkyw o"kZ ds nkSjku vk;dj foHkkx us foŸkh; o"kZ 2004&05 ds fy, cSad dk ekeyk iqu% [kksYkk ,oa 259-31 djksM+ #i, dh vfrfjä ekax dhA cSad Uks ekuuh; mPp U;k;ky; ds le{k fjV ;kfpdk nkf[kYk dh ,Oka EkkaXk Ikj LFkXkUk vkns'k IkzkIRk fd;kA

[k- vk¸kdj fOkHkkXk Uks foŸkh; o"kZ 2009&10 d¢ fu/kkZj.k ds fy, 283-84 djksM+ #i, dh ekax djRks gq, vkns'k ikfjr fd;k tks cSad ds EkRkkUkqLkkj LkEkFkZUkh¸k Ukgha gS vkSj CkSad Uks vIkhYkh¸k izkf/kdkjh ds le{k vihy nkf[kYk dhA

108



6. CAPITAL

Items Current year Previous Yeari) CRAR (%)

Basel – I 10.75% 11.01%Basel – II 12.04% 12.69%

ii) CRAR – Tier 1 Capital (%) Basel – I 8.20% 8.78%

Basel – II 9.18% 10.12%

iii) CRAR – Tier II Capital (%)

Basel – I 2.55% 2.23%

Basel – II 2.86% 2.57%

iv) Percentage of the share-holding of the Government of India in the bank

58% 58%

v)Amount of subordinate debt raised as Tier-II capital (Rs. in crore)

1025.00 Nil

vi) Amount raised by issue of IPDI (Rs. in crores) Nil Nil

vii) Amount raised by issue of Upper Tier–II instruments- (Rs. in crores)

Nil Nil

The Bank has raised the following Tier-II Bonds:

Raised during the year Amount (Rs in Crore) Rate (%)

2007-08 500.00 9.95

2008-09 500.00 8.75

2009-10 - -

2010-11 200.00 8.68

2011-12 - -

2012-13 1025.00 8.93

7. INVESTMENTS (Amount in Rs. crore)

Items Current year Previous year

1. Value of Investments

i) Gross Value of Investments

a) In India# 58719.20 52460.22

b) Outside India - -

ii) Provisions for Depreciation

a) In India 164.54 358.89


iii) Net value of Investments

a) In India 58554.66 52101.33


6- iwath

ensa pkyw o"kZ fiNys o"kZ

i) lhvkj,vkj (%)

cklsy - I 10.75% 11.01%

cklsy - II 12.04% 12.69%

ii) lhvkj,vkj Vh;j-II iwath (%)

cklsy - I 8.20% 8.78%

cklsy - II 9.18% 10.12%

iii) lhvkj,vkj Vh;j-I iwath (%)

cklsy - I 2.55% 2.23%

cklsy - II 2.86% 2.57%

iv) cSad esa Hkkjr ljdkj dh “ks;j/kkfjrk dk izfr”kr

58% 58%

v) Vh;j -II iwath ds :i esa tqVk, x, xkS.k _.k ¼djksM+ #- Eksa½

1025.00 'kwU;

vi) vkbZihMhvkbZ tkjh djds tqVkbZ xbZ jkf'k (djksM+ #0 esa) 'kwU; 'kwU;

vii) mPprj Vh;j-II fYk[kRk tkjh djds tqVkbZ xbZ jkf'k (djksM+ #- esa) 'kwU; 'kwU;

cSad us fuEukuqlkj Vh;j-II ck.Mksa ls iw¡th tqVkbZ %

o"kZ ds nkSjku tqVkbZ xbZ jkf'k ¼djksM+ #- esa½ nj (%)2007-08 500.00 9.95

2008-09 500.00 8.75

2009-10 - -

2010-11 200.00 8.68

2011-12 - -

2012-13 1025.00 8.93

7- fofu/kku ¼jkf'k djksM+ #- esa½

ensa pkyw o"kZ fiNys o"kZ

1. fofu/kkuksa dk ewY;

i) fofu/kkuksa dk ldy ewY;

d) Hkkjr esa # 58719-20 52460-22

[k) Hkkjr ds ckgj ----- ----

ii) ewY;gzkl gsrq izko/kku

d) Hkkjr esa 164-54 358-89

[k) Hkkjr ds ckgj &&& &&&

iii) fofu/kkuksa dk fuoy ewY;

d) Hkkjr esa 58554-66 52101-33

[k) Hkkjr ds ckgj &&& &&&

109



2. Movement of provisions held to-wards depreciation on investments.

i) Opening balance 358.89 78.28

ii) Add: Provisions made during the year* - 280.61

iii)Less: Write-off/ write-back of excess provisions during the year

194.35 -

iv) Closing Balance 164.54 358.89

# Includes amount of RIDF Deposit (Rs. 7489.06 Crore as on 31.03.2013 and Rs. 7964.05 Crore as on 31.03.2012).* Further, depreciation amounting to Rs. 185.74 crore on interportfolio shifting of various securities during 2012-13, has been appropriated in the Book Value of respective securities.

a. Repo Transactions (Amount in Rs. crore)

Particulars

Minimum Out-

standing During

the Year

Maxi-mum Out-

standing During

the Year

Daily Average

Out-standing During

the Year

Out-standing

as on March

31, 2013

Securities Sold Under Repoi. Government

securitiesii. Corporate

debt securities

0.00(0.00)0.00

(0.00)

4500.00(4650.00)

0.00(0.00)

1542.42(1633.13)

0.00(0.00)

400.00(4500.00)

0.00(0.00)

Securities Purchased under Reverse Repoi. Government

securitiesii. Corporate debt

securities

0.00(0.00)0.00

(0.00)

1400.00(3150.00)

0.00(0.00)

7.67(59.08)

0.00(0.00)

1400.00(0.00)0.00

(0.00)

Securities sold under Market Repo

0.00(0.00)

560.00(460.00)

57.81(105.19)

0.00(0.00)

Securities purchased under Market Reverse Repo

0.00(0.00)

0.00(30.00)

0.00(0.60)

0.00(0.00)

(Figures in brackets are for the previous year)

2- fofu/kkuksa ij ewY;gzkl ds izfr fd, x, izko/kkuksa esa mrkj&p<+ko

(i) vFk 'ks"k 358-89 78-28

(ii) tksM+sa % o"kZ ds nkSjku fd, x, izko/kku*

(iii) ?kVk,a % o"kZ ds nkSjku cV~Vs [kkrs Mkyh xbZ jkf'k@vfrfjä izko/kkuksa dk iqujkadu

(iv) bfr 'ks"k

---

194-35

164-54

280-61

&

358-89

# bLkesa XkzkEkh.k EkwYkHkwRk LkqfOk/kk fOkdkLk fUkf/k TkEkk 'kkfEkYk gS ¼31-03-2013 dh fLFkfRk d¢ vUkqLkkj 7489-06 djksM+ #- dh vkSj 31-03-2012 dh fLFkfRk d¢ vUkqLkkj 7964-05 djksM+ #- dh½A* bLkd¢ vfRkfjDRk] 2012&13 d¢ nkSjkUk fOkfHkUUk IkzfRkHkwfRk¸kksa d¢ vaRkj&IkksVZQksfYk¸kks vaRkj.k Ikj 185-74 djksM+ #- dk EkwY¸kg~kLk LkaCkaf/kRk IkzfRkHkwfRk¸kksa d¢ Ckgh EkwY¸k Eksa fOkfUk¸kksfTkRk fd¸kk Xk¸kk gSA

d- jsiks ysunsu ¼jkf”k djksM+ #- esa½

fooj.k

o"kZ ds nkSjku

U;wure cdk;k jkf'k

o"kZ ds nkSjku

vf/kdre cdk;k jkf'k

o"kZ ds nkSjku vkSlr nSfud cdk;k jkf'k

31 ekpZ 2013 ds vuqlkj Ckdk¸kk

jsiks ds rgr csph xb± izfrHkwfr;ka i. ljdkjh ÁfrÒwfr;kaii. dEIkuh _.k ÁfrÒwfr;ka

0.00(0.00)0.00

(0.00)

4500.00(4650.00)

0.00(0.00)

1542.42(1633.13)

0.00(0.00)

400.00(4500.00)

0.00(0.00)

fjolZ jsiks ds rgr [kjhnh xbZa izfrHkwfr;kai. ljdkjh izfrÒwfr;kaii. dEiuh _.k

ÁfrÒwfr;ka

0.00(0.00)0.00

(0.00)

1400.00(3150.00)

0.00(0.00)

7.67(59.08)

0.00(0.00)

1400.00(0.00)0.00

(0.00)

ekfdZV jsiks ds rgr csph xbZa izfrHkwfRk¸kka

0.00(0.00)

560.00(460.00)

57.81(105.19)

0.00(0.00)

EkkfdZV fjOkLkZ jsIkks d¢ RkgRk [kjhnh Xkb± IkzfRkHkwfRk¸kka

0.00(0.00)

0.00(30.00)

0.00(0.60)

0.00(0.00)

¼dks"Bd esa fn, x, vkadM+s fiNys o"kZ ds gSa½s

110



b. xSj ,l,yvkj fuos'k lafoHkkx/Non-SLR Investment Portfolio i. xSj&,l,yvkj fuos'kksa dh fuxZe lajpuk/Issuer composition of Non SLR investments

¼jkf'k djksM+ #. esa½/(Amount in Rs. crore)

Ø-la-

No.fuxZe drkZ

Issuerjkf'k

Amount

futh LFkkiu dh lhek

Extent of Pri-vate Placement

Þfuos'k xzsM ls de" izfrHkwfr;ksa

dh lhekExtent of

‘Below Invest-ment Grade’ Securities

^^xSj ewY;kafdr^^ izfrHkwfr;ksa dh lhek

Extent of ‘Unrated’ Securities

^^xSj-lwph** izfrHkwfr;ksa dh

lhekExtent of ‘Unlisted’ Securities

(1) (2) (3) (4) (5) (6) (7)

i lkoZtfud {ks= ds miØe/PSUs340.51

(421.67)125.02

(201.65)0.00

(0.00)135.50

(168.77)10.00

(10.00)

ii foŸkh; laLFkku/[email protected]

(8503.63)7756.32

(8370.45)0.00

(0.00)116.93(35.66)

7569.77(8047.29)

iii cSad/Banks2908.06

(2065.59)2895.47

(1014.76)0.00

(0.00)2277.64

(1563.19)2255.69

(1504.60)

iv futh daifu;ka/Private Corporates1252.87

(1152.38)927.65

(845.76)0.00

(0.00)565.13

(372.35)93.30

(191.15)

v vuq"kaxh/la;qä m|e/Subsidiaries/ Joint Ventures

218.50(184.00)

218.50(184.00)

0.00(0.00)

218.50 (184.00)

218.50(184.00)

vi vU;/Others1885.98(477.40)

1885.98(477.40)

0.00(0.00)

285.98(277.40)

0.00(0.00)

vii dqy/Total (i to vi )14581.28

(12804.67)13808.94

(11094.02)0.00

(0.00)3599.68**(2601.37)

10147.26***(9937.04)

viii?kVk,a:ewY;gªkl ds izfr fd;k x;k izko/kku/Less: Provision held towards depreciation

164.37 (120.13)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

dqy/Total (vii-viii)*14416.91

(12684.54)13808.94

(11094.02)0.00

(0.00)3599.68

(2601.37)10147.26(9937.04)

¼dks"Bd esa fn, x, vkadM+s fiNys o"kZ ds gSa½/(Figures in brackets are for the previous year)Note: -1. *Total under column 3 should tally with the total of

investment included under the following categories in Schedule 8 to the Balance Sheet:a. Shares b. Debentures & Bonds c. Subsidiaries/Joint Ventures d. Others

2. Amounts reported under columns 4, 5, 6 and 7 are not mutually exclusive.

3. * *Out of total investment of Rs. 3599.68 crore in Unrated securities, Rs.3525.75 crore is in exempted investment consisting of equity shares Rs. 725.95 crores, equity oriented mutual fund of Rs. 35.00 crores, Rs. 2255.69 crore in Certificate of Deposit, Venture Fund of Rs. 220.26 crore, Security Receipt of Rs. 30.72 crore, JV-INS Rs.218.50 crore, Exempted NCDs Rs. 39.63 crore, hence unrated investment is Rs. 73.93 crore (Rs. 48.93 crore Preference share & Rs. 25.00 crore in Bonds & Debentures)

4. ***Total unlisted includes CD Rs. 2255.69 crore, CP Rs.24.27 crore, exempted investment (NCDs of Quadrant Televentures Ltd.) Rs. 39.63 crore and JV Rs. 218.50 crore and RIDF of Rs. 7489.06 crore.

fVIIk.kh %&

1- *dkWYkEk 3 ds TkksM+ dk fEkYkkUk rqyu Ik«k dh vuqlwph 8 Eksa fuEufyf[kr Jsf.k;ksa ds varxZr fn, Xk, fOkfUk/kkUk d¢ TkksM+ d¢ LkkFk gksUkk Pkkfg, %&

d½ 'ks;j [k½ fMcsapj vkSj ckW.M Xk½ vuq"kaxh@la;qä m|e ?k½ vU;2- dkye 4] 5] 6 o 7 esa nh xbZ jkf'k ijLij vuU; ugha gS A3- **vJs.khÑr IkzfRkHkwfRk¸kksa Eksa 3599-68 djksM+ #- d¢ dqYk fOkfUk/kkUk Eksa

Lks 3525-75 djksM+ #- NwV IkzkIRk fOkfUk/kkUk Eksa gSa fTkUkEksa 725-95 djksM+ #- d¢ bfDOkVh 'ks¸kj] 35-00 djksM+ #- d¢ bfDOkVh mUEkq[k E¸kqPkqvYk Q.M] 2255-69 djksM+ #- fUk{ksIk IkzEkk.kIk«k Eksa] 220-26 djksM+ #- dh mn~;Ek fUkf/k] 30-72 djksM+ #- dh IkzfRkHkwfRk jLkhn vkSj 218-50 djksM+ #- ds Lka¸kqDRk m|Ek CkhEkk RkFkk NwV IkzkIRk vIkfjOkfRkZUkh¸k fMCksaPkj 'kkfEkYk gSa] bLkfYk, vJs.kh—Rk fOkfUk/kkUk 73-93 djksM+ #- gS ¼48-93 djksM+ #- vf/kEkkUkh 'ks¸kj vkSj 25-00 djksM+ #- Ckk.M ,Oka fMCksaPkj Eksa½A

4- ***dqYk XkSj&LkwPkhCk) Eksa LkhMh 2255-69 djksM+ #-] LkhIkh 24-27 djksM+ #-] NwV IkzkIRk fUkOks'k ¼d~OkkMªSUV VsYkhOksaPkj fYk- d¢ ,UkLkhMh½ 39-63 djksM+ #- RkFkk TksOkh 218-50 djksM+ #- vkSj 7489-06 djksM+ #- dh vkjvkbZMh,Q 'kkfEkYk gSaA

111



5. @ Includes RIDF Investment (Rs. 7489.06 crore in current year and Rs. 7964.05 crore in previous year respectively)

6. Others include Investment in Mutual Fund, Venture Fund, Security Receipt and Reverse Repo

ii. Non performing Non-SLR investments (Amounst in Rs. crore)

Particulars Amount as at 31.03.2013

Amount as at 31.03.2012

Opening Balance 108.86 88.93

Additions during the year since 1st April 10.16 19.93

Reductions during the above period 104.83 0

Closing Balance 14.19 108.86

Total Provisions held 4.50 91.83

5- @ vkjvkbZMh,Q fUkOks'k 'kkfEkYk ¼PkkYkw Ok"kZ Eksa ØEk'k% 7489-06 djksM+ #- ,Oka fIkNYks Ok"kZ Eksa 7964-05 djksM+ #-½

6- vU; esa E;qpqvy QaM] osapj QaM] IkzfRkHkwfRk jlhn ,oa fjolZ jsiks Eksa fUkOks'k 'kkfey gSaA

ii. xSj-fu"iknudkjh xSj-,l,yvkj fuos'k ¼jkf'k djksM+ #. esa½

fooj.k jkf'k31-03-2013 dks

jkf'k31-03-2012 dks

vFk'ks"k 108-86 88-93

1 vizSy ls o"kZ ds nkSjku o`f) 10-16 19-93

mä vof/k ds nkSjku deh 104-83 0

bfr 'ks"k 14-19 108-86

dqy /kkfjr izko/kku 4-50 91-83

C. fofu/kkuksa dk oxhZdj.k@CATEGORISATION OF INVESTMENTS

Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kksa vkSj ys[kkadu uhfr la0 3 ds vuqlkj fofu/kku lafoHkkx dks fuEukuqlkj Js.khc) fd;k x;k gS%

In accordance with Reserve Bank of India guidelines and as stated in Accounting Policy No. 3, investment portfolio has been categorized as under: ¼jkf'k djksM+ #. esa½/(Amount in Rs. crore)

izfrHkwfr/Security31 ekpZ, 2013 ds vuqlkj fLFkfrPosition as on March 31, 2013

31 ekpZ, 2012 ds vuqlkj fLFkfrPosition as on March 31, 2012

,pVh,eHTM

,p,QVhHFT

,,Q,lAFS

dqyTotal

,pVh,eHTM

,p,QVhHFT

,,Q,lAFS

dqyTotal

ljdkjh izfrHkwfr;ka/Govt. Securities 37465.57 295.62 6315.58 44076.77 28768.77 36.33 10780.34 39585.44

vU; vuqeksfnr izfrHkwfr;ka/Other Approved Securities

0.00 0.00 61.15 61.15 0.00 0.00 70.11 70.11

'ks;j/Shares 30.66 1.51 752.71 784.88 30.66 0.23 589.48 620.37

fMcsapj/ckW.M/Debentures /Bonds 0.00 0.00 1922.89 1922.89 0.00 0.00 1981.33 1981.33

vU; okf.kfT;d i=, bafnjk fodkl i=, ;wVhvkbZ, E;wpqvy QaM vkfn*Others- Commercial Paper, IVP, UTI, Mutual Funds etc.*

7602.90 489.50 3562.61 11655.01 8065.05 387.00 1566.92 10018.97

vU; (la;qä m|e - chek) Others ( Jt. Venture – Insurance)

218.50 0.00 0.00 218.50 184.00 0.00 0.00 184.00

dqy/Total 45317.63 786.63 12614.94 58719.20 37048.48 423.56 14988.18 52460.22

,pVh,e- ifjoDork rd /kkfjr] ,p,QVh- VªsÇMx gsrq /kkfjr] ,-,Q-,l-&fcØh gsrq miyC/kHTM – Held to Maturity; HFT – Held for Trading; AFS – Available for Sale* vkjvkbZMh,Q TkEkk 'kkfEkYk gSa ¼PkkYkw Ok"kZ Eksa ØEk'k% 7489-06 djksM+ #- RkFkk fIkNYks Ok"kZ Eksa 7964-05 djksM+ #-½* Includes RIDF Deposit (Rs. 7489.06 crore in current year and Rs. 7964.05 crore in previous year respectively).

112



d. In respect of investments under Held to Maturity category, the premium amount amortized during the year is Rs. 55.99 crores (previous year Rs. 67.66 crores) and the same has been accounted for in Schedule No.13 under the head ‘Interest Earned’ as deduction from ‘Income on Investments’.

e. Provision for Depreciation on Investments: Provision for depreciation on investments under ‘Available

for Sale’ and ‘Held for Trading’ categories as on March 31, 2013, is Rs. 164.54 crore (previous year Rs. 358.89 crore).

f. The Bank has transferred Securities amounting to Rs. 4970.51 crore (previous year NIL), from ‘Available for Sale’ category to ‘Held to Maturity’ category and transferred Rs. 18.30 crores from ‘Held to Maturity’ category to’ Available for Sale’ category (previous year Rs. 2263.84 crores) during the year which is in accordance with the RBI guidelines. The Mark to Market depreciation on shifting of above mentioned securities was Rs. 185.74 crores (previous year Rs. 4.53 crores) and the same has been debited to Profit and Loss Account. Bank has not transferred any security (previous year Rs. 0.85 crores by booking depreciation of Rs. 0.20 crore) from ‘Held for Trading’ to ‘Available for Sale’ category.

g. During the financial year 2012-13 Bank has invested Rs. 34.50 crores (previous year Rs. 23.00 crores) towards capital contribution in Joint Venture company for Life Insurance Business with Canara Bank and HSBC under the name and style of “Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited”. The total capital outstanding as on 31.03.2013 is Rs. 218.50 crores (previous year Rs. 184.00 crores), which amounts to 23% capital contribution by the bank.

The said investment made by the Bank has been classified under Held to Maturity’ category under the head investment in joint ventures, as the intention is to hold as joint venture investment although the holding is less than 25% as required under RBI norms. We have obtained permission of RBI to classify the same under HTM category. In the opinion of the management, the impact in the value of the said investment on account of initial losses is not permanent in nature and hence no provision is considered necessary.

h. Unquoted and unrated NCDs created out of restructuring of advances, carrying ballooning rate of interest and staggered redemption schedule, redeemable at premium, have been valued using FIMMDA valuation methodology, as per RBI Guidelines, by taking into account the IRR of the security.

8. DERIVATIVESThe Bank has undertaken Derivative Transactions viz. Currency Futures, Currency options and Interest Rate Swap (OIS) during the year. There is no outstanding in respect of Interest Rate Swap (OIS) as on 31-03-2013. However, there is an outstanding position in currency future which is covered in interbank market as on 31-03-2013. Also, transactions under Foreign Exchange Forward Contracts have been undertaken on behalf of various clients and outstanding as on date is Rs. 49,528.83 crores (previous year Rs. 38,138.88 crores).

?k- *ifjoDork rd /kkfjr* Js.kh d¢ fuos'kä d¢ laca/k esa] o"kZ ds nkSjku ifj'kksf/kr Áhfe;e jkf'k 55-99 djksM+ #- ¼fiNys o"kZ 67-66 djksM+ #0½ gS vkSj bls vuqlwph 13 esa ^fofu/kkuksa ij vk;* esa ls dVkSrh ds :i esa ^vÆtr C;kt* 'kh"kZ ds rgr fy;k x;k gSA

³- fofu/kkuksa ij ewY;gzkl gsrq izko/kku%

31 ekpZ] 2013 ds vuqlkj ^fcØh gsrq miyC/k* rFkk *VªsÇMx gsrq èkkfjr* Jsf.k;ä ds varxZr fofu/kkuksa ij ewY;gzkl gsrq 164.54 dj¨M+ #- ¼fiNys o"kZ 358-89 djksM+ #-½ dk izko/kku fd;k x;kA

p- CkSad Uks Ok"kZ d¢ nkSjkUk **fCkØh gsRkq mIkYkC/k** Js.kh Lks **IkfjIkDOkRkk Rkd /kkfjRk** Js.kh Eksa 4970.51 dj¨M+ #- dh IkzfRkHkwfRk vaRkfjRk dh ¼fIkNYks Ok"kZ 'kwU;½ vkSj **IkfjIkDOkRkk Rkd /kkfjRk** Js.kh Lks **fCkØh d¢ fYk, mIkYkC/k** Js.kh Eksa 18-30djksM+ #- ¼fIkNYks Ok"kZ 2263-84 djksM+ #-½ vaRkfjRk fd, Tkks HkkjRkh¸k fjTkOkZ CkSad d¢ fn'kkfUknsZ'kksa d¢ vUkqLkkj gSA mIk¸kqZDRk IkzfRkHkwfRk¸kksa d¢ vaRkj.k Ikj CkkTkkj EkwY¸k Ikj vafdRk EkwY¸kgzkLk 185-74 djksM+ #Ik, ¼fIkNYks Ok"kZ 4-53 djksM+ #-½ Fkk vkSj mLks YkkHk Ok gkfUk [kkRks Eksa UkkEks MkYkk Xk¸kk gSA CkSad Uks *VªsfMaXk gsRkq /kkfjRk* Js.kh Lks *fCkØh gsRkq mIkYkC/k Js.kh* Eksa d¨bZ ÁfrÒwfr varfjr ugha dh gSA ¼fIkNYks Ok"kZ 0-20 djksM+ #- dk EkwY¸kgzkLk nTkZ djd¢ 0-85 djksM+ #-½

N- foŸkh; o"kZ 2012&13 ds nkSjku cSad us thou chek dkjksckj gsrq dsujk cSad vkSj ,p,lchlh ds lkFk ^dsujk ,p,lchlh vksfj;UVy cSad vkWQ+ dkWelZ ykbQ bU';ksjsal dEiuh fyfeVsM* uke ,oa Lo:i dh la;qä m|e dEiuh esa iwath va'knku d¢ fy, 34-50 djksM+ #0 ¼fiNys o"kZ 23.00 djksM+ #-½ dk fuos'k fd;kA 31.03.2013 dks dqy cdk;k iwath 218-50 djksM+ #- ¼fiNys o"kZ 184-00 djksM+ #-½ gS] tks cSad }kjk 23 izfr'kr dk iwath va'knku gS A

cSad }kjk fd, x, mä fuos'k dks la;qä m|eksa esa fofu/kku 'kh"kZ ds rgr îfjiDork rd /kkfjr* Js.kh es oxhZ—r fd;k x;k gS D;ksafd bls la;qä m|e fuos'k ds :i esa /kkfjr djus dh ea'kk gS] ;|fi ;g /kkfjrk Hkkjrh; fjtoZ cSad ds izfrekuksa ds vuqlkj visf{kr 25% ls de gSA izca/k oxZ ds erkuqlkj vkjafHkd ?kkVksa ds dkj.k mä fofu/kkuksa ds ewY; dk izHkko LFkk;h Lo:i dk ugha gS blfy, bl laca/k esa dksbZ izko/kku djuk vko';d ugha leÖkk x;k A

t½ vfxzeä dh iqulaZjpuk ls l`ftr dksV u gq, o xSj&ewY;kafdr vifjorZuh; fMcsapj] t¨ c<+rh gqbZ C;kt nj rFkk fÒédkfyd e¨pu vuqlwph d¢ gSa rFkk Áhfe;e ij Áfrns; gSa] dk ewY;kadu Òkjrh; fjtoZ cSad d¢ ekxZfunsZ'kä d¢ vuqlkj] fQEMk ewY;kadu rjhd¢ ls] ÁfrÒwfr dh vkbZvkjvkj d¨ fglkc esa ysrs gq, fd;k x;k gSA

8. MsfjosfVOl

cSad us vkyksP; o"kZ ds nkSjku MsfjosfVo ysu&nsu vFkkZr~ eqæk ¶;wplZ] eqæk vkI'kULk rFkk C;kt nj LoSi lkSns fd,A 31-03-2013 dh fLFkfRk d¢ vUkqLkkj ÇkkTk nj LkaCka/kh OkfUkEk¸k LkkSnksa d¢ LkaCka/k Eksa dksbZ jkf'k Ckdk¸kk Ukgha gSA rFkkfi] 31-03-2013 dh fLFkfr d¢ vuqlkj varjcSad cktkj esa fd, x, eqæk ¶;wpj esa ,d cdk;k fLFkfr jghA blds vfrfjä] fofHkUUk xzkgdksa dh vksj ls fons'kh eqæk ok;nk lafonkvksa ds varxZr ysu&nsu Hkh fd, x, vkSj vkt dh rkjh[k rd cdk;k jkf'k 49528.83 djksM+ #- ¼fiNys o"kZ 38]138-88 dj¨M+ #-½ gSA

113



d- ok;nk nj djkj@C;kt nj LoSi

¼jkf'k djksM+ :- esa)

fooj.k pkyw o"kZ fiNys o"kZ

i. LoSi O;oLFkkvksa dk dfYir ewy/ku 'kwU; 'kwU;

ii. ;fn izfri{k djkjksa ds varxZr viuh ck/;rkvksa dks iwjk ugha djrk gS rks gksus okyh gkfu

'kwU; 'kwU;

iii. LoSi djus ij cSad }kjk visf{kr lEikf'Zod 'kwU; 'kwU;

vi. LoSi ls gksus okys _.k tksf[ke dk ladsUæhdj.k 'kwU; 'kwU;

v. LoSi cqd dk mfpr ewY; 'kwU; 'kwU;

[k- ,Dlpsat esa fd, x, C;kt nj MsfjosfVOl

¼jkf'k djksM+ :- esa)

en la- fooj.k pkyw o"kZ fiNys o"kZ

1.o"kZ ds nkSjku ,Dlpsat esa fd, x, C;kt nj MsfjosfVOl dh dfYir ewy jkf'k (fy[kr-okj)d) TkqykbZ] 2011 lafonk

'kwU; 51-04

2.,Dlpsat esa fd, x, C;kt nj MsfjosfVOl dh dfYir ewy jkf'k 31 ekpZ 2013 dks cdk;k

'kwU; 'kwU;

3.,Dlpsat esa fd, x, C;kt nj MsfjosfVOl dh dfYir ewy jkf'k&cdk;k ,oa " vR;f/kd izHkkoh** ugha

'kwU; 'kwU;

4.,Dlpsat esa fd, x, C;kt nj cdk;k MsfjosfVOl tks 'vR;fèkd izHkkoh' ugha gS] dk 'cktkj dks vafdr ewY;*

'kwU; 'k`wU;

x- ifj.kkekRed izdVu%

Vªstjh foHkkx esa ifjpkyuksa dks rhu dk;Z{ks=ksa esa ckaVk x;k vFkkZr~ ÝaV vkWfQl] feM vkWfQl rFkk cSd vkWfQl] ftuesa vko';d cqfu;knh lqfo/kk,a rFkk izf'kf{kr vf/kdkjh gSa] ftuds mŸkjnkf;Ro lqifjHkkf"kr gSaA

cSad dh jktdks"kh; uhfr esa foŸkh; O;qRiUUk fy[krksa ds izdkjksa, iz;ksx {ks=, vuqeksnu izfØ;k dks Li"V :i ls fu/kkZfjr fd;k x;k gSA O;qRié ysunsuksa esa C;kt nj tksf[ke, izfri{k tksf[ke, cktkj tksf[ke, eqæk tksf[ke, fuiVku tksf[ke, [kqyh fLFkfr tksf[ke rFkk ifjpkyuijd tksf[ke jgrs gSaA jktdks"kh; uhfr esa vkarfjd fu;a=.k lhekvksa tSls Ø;&foØ; dh [kqyh fLFkfr lhekvksa, lkSnss dh ek«kk dh lhekvksa] gkfu jks/k lhekvksa, vuqeksfnr fy[krksa esa VªsÇMx/cpko ds fy, lkSnk izkjaHk djus okys izkf/kdkjh ds ckjs esa Li"V :i ls mYys[k fd;k x;k gS rkfd tksf[ke dks fu;af=r fd;k tk lds vkSj O;qRié ysunsuksa ls vf/kd ls vf/kd vk; gks ldsA

feM vkWfQl O;kikfjd cfg;ksa esa ysunsuksa dks ekWfuVj djrk gS

a. Forward Rate Agreement/Interest Rate Swap (Amount in Rs. crore)

Particulars Current year

Previous year

i. The notional principal of swap agreements NIL NIL

ii. Losses which would be incurred if coun-terparties failed to fulfill their obligations under the agreements

NIL NIL

iii. Collateral required by the bank upon entering into swaps NIL NIL

iv. Concentration of credit risk arising from the swaps NIL NIL

v. The fair value of the swap book NIL NIL

b. Exchange Traded Interest rate derivatives (Amount in Rs. crore)

S.No. Particulars Current Year

Previous Year

1.

Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument-wise) July 2011 Contract

NIL 51.04

2.

Notional principal amount of exchange traded interest rate derivatives outstanding as on 31st March, 2013

NIL NIL

3.

Notional principal amount of exchange traded interest rate derivatives outstanding and not `highly effective’.

NIL NIL

4.

Mark-to-Market value of exchange traded interest rate derivatives outstanding and not `highly effective’.

NIL NIL

c. Qualitative Disclosure: Operations in the Treasury Department are segregated

into three functional areas, i.e. Front Office, Mid Office and Back Office equipped with necessary infrastructure and trained Officers, whose responsibilities are well defined.

The Treasury Policy of the Bank clearly lays down the types of financial derivative instruments, scope of usage, approval process. Derivative transactions contain interest rate risk, counterparty risk, market risk, currency risk, settlement risk, open position risk and operational risk. Treasury Policy clearly specify the internal control limits like open position limits, deal size limits, stop-loss limits, deal initiating authority for trading/hedging in approved instruments to contain the risk and maximize return on the derivative transactions.

The mid office monitors the transactions in the trading books and also measures the financial risks for the transactions in the trading book on a daily basis by way

114



of calculating Mark to Market (MTM) of positions. The Mid Office is monitored and controlled by Risk Management Department. Daily MTM position is reported to the Investment Committee.

The Bank also has a policy for hedging its balance sheet exposures. The treasury policy of the Bank spells out the approval process for hedging the exposures. The hedged transactions are monitored on a regular basis.

The hedging/trading transactions are recorded separately. The hedge transactions are accounted for on accrual basis. All trading contracts are marked to market and resultant gross loss is accounted for ignoring the gain on a prudence basis.

The Bank is Trading & Clearing Member of three exchanges viz. National Stock Exchange (NSE), MCX Stock Exchange (MCX-SX), United Stock Exchange (USE) for currency futures /interest rate futures. The Bank undertakes proprietary trading in currency futures, interest rate futures & interest rate swaps. The Bank has set up the necessary infrastructure for Front, Mid and Back Office operations, daily mark to market (MTM) and margin obligations are settled with the exchanges as per guidelines issued by the regulators.

Treasury Policy has been drawn up in accordance with RBI guidelines.

d) ek«kkRed izdVu/Quantitative Disclosure- ¼jkf'k djksM+ :0 esa½/(Amount in Rs. crore)

pkyw o"kZ/Current Year fiNys o"kZ/Previous Year

fooj.k/Particulars

eqæk

MsfjosfVoCurrency

Derivatives

C;kt nj MsfjosfVo

Interest rate Derivatives

eqæk MsfjosfVoCurrency

Derivatives

C;kt nj MsfjosfVo

Interest rate Derivatives

i. MsfjosfVo (vuqekfur ewy/ku)/Derivatives (Notional Principal Amount) a. cpko O;oLFkk gsrq/For hedging b. O;kikj gsrq/For trading

'kwU;/NIL919.83*

'kwU;/NIL'kwU;/NIL

'kwU;/NIL2057.03*

'kwU;/NIL'kwU;/NIL

ii. izfrHkwfr;ksa ds nSfud cktkj ewY;ksa dh fLFkfr/Marked to market Positions a. vkfLr;ka (+) / Assets (+) b. ns;rk,a (-) / Liabilities (-)

'kwU;/NIL13.63

'kwU;/NIL'kwU;/NIL

'kwU;/NIL11.45

'kwU;/NIL'kwU;/NIL

iii. _.k ,Dli¨t+j/Credit Exposure 'kwU;/NIL 'kwU;/NIL 'kwU;/NIL 'kwU;/NIL

iv. C;kt nj esa ,d izfr'kr ds ifjorZu dk laHkkfor izHkko (100*ihoh0) Likely impact of one percentage change in interest rate (100*PV01) a. cpko O;oLFkk MsfjosfVOl ij/On hedging derivatives b. O;kikfjd MsfjosfVOl ij/On trading derivatives

'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL

v. o"kZ ds nkSjku ns[kk x;k 100*ihoh01 dk vf/kdre rFkk U;wure izHkko Maximum and Minimum of 100*PV01 observed during the year a. cpko O;oLFkk ij/On hedging b. O;kikj ij/On trading vf/kdre/Maximum U;wure/Minimum

'kwU;/NIL'kwU;/NIL'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL 'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL'kwU;/NIL'kwU;/NIL

'kwU;/NIL'kwU;/NIL

-2.57'kwU;/NIL

* varj cSad cktkj esa doj dh xbZ fLFkfr/*Position covered in inter-bank market

vkSj izfrHkwfr;ksa ds nSfud cktkj ewY; ¼,eVh,e½ fLFkfr dh x.kuk }kjk O;kikfjd cgh esa nSfud vk/kkj ij ysunsuksa esa foŸkh; tksf[keksa dks Hkh vkadrk gSA feM vk+WfQl dh fuxjkuh o fu;a«k.k t¨f[ke Áca/ku foÒkx djrk gSA nSfud cktkj ewY; fLFkfr dh nSfud fjiksVZ fuos'k lfefr dks izLrqr dh tkrh gSA

cSad esa vius rqyui= esa fy, x, ,Dlikst+j ds cpko dh uhfr gSA cSad dh jktdks"kh; uhfr esa ,Dlikst+j ds cpko gsrq vuqeksnu izfØ;k dks Li"V fd;k x;k gSA cpkodkjh ysunsuksa dks fu;fer vk/kkj ij ekWfuVj fd;k tkrk gSA

cpkodkjh@O;kikfjd ysunsu vyx&vyx ntZ fd, tkrs gSaA cpkodkjh ysunsuksa dks mip; vk/kkj ij fglkc esa fy;k tkrk gSA leLr O;kikfjd lafonk,a cktkj Òko ij vafdr dh tkrh gSa rFkk ifj.kker% ldy gkfu dks foosdlEer vk/kkj ij ykHk dh vuns[kh djrs gq, fglkc esa fy;k tkrk gSA

cSad djsalh ¶;wpj/c~;kt nj ¶;wpj d¢ fy, rhu ,Dlpstksa vFkkZr~ us'kuy LVkWd ,Dlpsat ¼,u,lbZ½] ,elh,Dl LVkWd ,Dlpsat ¼,elh,Dl&,l,Dl½] ;qukbVsM LVkWd ,Dlpsat ¼;w,lbZ½ dk O;kikfjd ,oa fudklh ¼Dyh;fjax½ lnL; gSA cSad djsalh ¶;qpLkZ] C;kt nj ¶;qplZ rFkk C;kt nj LoSi esa LokfeRo ysunsu djrk gSA cSad us ÝaV] feM rFkk cSd vkWfQl ifjpkyuksa ds fy, vko';d vk/kkjHkwr lajpuk LFkkfir dh gS] fofu;kedksa }kjk tkjh fn'kkfunsZ'kksa ds vuqlkj nSfud cktkj ewY; ¼,eVh,e½ rFkk ekÆtu nkf;Ro¨a dk fuiVku ,Dlpsatksa ds lkFk fd;k tkrk gSA

jktdks"kh; uhfr Hkkjrh; fjtoZ cSad ds ekxZfunsZ'kkuqlkj rS;kj dh

115



xbZ gS %&

9- vkfLr xq.ko=k

d- xSj&fu"iknudkjh vkfLr;ka

¼jkf'k djksM+ :- esa½

ensapkyw o"kZ

fiNys o"kZ

i fuoy vfxzeksa esa fuoy ,u-ih-,- (%) 2.27% 2.21%

ii ,u-ih-,- esa mrkj&p<+ko ¼ldy½

d vFk 'ks"k 3580.49 1920.54

[k o"kZ ds nkSjku o`f) 3213.30 3897.59

x o"kZ ds nkSjku deh 2609.83 2237.64

?k bfr 'ks"k 4183.96 3580.49

III fuoy ,UkIkh, esa mrkj&p<+ko

d vFk 'ks"k 2459.03 938.15

[k o"kZ ds nkSjku o`f) 3213.30 3897.59

x o"kZ ds nkSjku deh 2769.67 2376.71

?k bfr 'ks"k 2902.66 2459.03

IV ,uih, gsrq izko/kku esa mrkj&p<+ko¼Lrjh; vkfLRk¸kksa ds izko/kkuksa dks NksM+dj½

d vFk 'ks"k 1112.67 973.64

[k o"kZ ds nkSjku fd, x, izko/kku 1581.63 1071.91

xcV~Vs [kkrs Mkyh xbZ jkf'k@vfrfjä izko/kkuksa dk Áfrys[ku

1416.26 932.88

?k bfr 'ks"k 1278.04 1112.67

mi;qZä vkadM+ksa esa 31-03-2009 dh fLFkfr ds vuqlkj cSad ds ,uih, lafoÒkx ds izfr cSad }kjk fd, x, 72-00 djksM+ #0 ds vl~Fkk;h izko/kkuksa dk izHkko 'kkfey gS rFkk bls 31.03.2013 d¨ Òh j[kk x;k gSA

fuoy ,uih,, bZlhthlh@MhvkbZlhthlh ds fuiVk, x, nkoksa dk lek;kstu djus ds ckn fudkys x;s gSaA

31-03-2013 dks cSd dk izko/kkuhdj.k dojst vuqikr ¼ihlhvkj½ 63.00% ¼fiNys o"kZ 61.52%) gS ftldh x.kuk cSad }kjk rduhdh :i ls cV~Vs [kkrs Mkyh xbZ dqy jkf'k dks fglkc esa ysdj dh xbZA

Áko/kku esa tgka t:jh gS] fu/kkZfjr ls vf/kd nj ij fd;k x;k Áko/kku 'kkfey gSA

9. ASSET QUALITY a. Non-Performing Assets: (Amount in Rs. crore)

Items Current Year

Previous Year

i Net NPAs to Net Advances (%) 2.27% 2.21%

ii Movement of NPAs (Gross)

a) Opening balance 3580.49 1920.54

b) Additions during the year 3213.30 3897.59

c) Reductions during the year 2609.83 2237.64

d) Closing balance 4183.96 3580.49

III Movement of Net NPAs


b) Additions during the year 3213.30 3897.59

c) Reductions during the year 2769.67 2376.71


IV Movement of Provisions for NPAs (ex-cluding provisions on standard assets)


b) Provisions made during the year 1581.63 1071.91

c) Write-off/ write-back of excess provisions 1416.26 932.88


The above figures include the effect of floating provisions of Rs. 72.00 crore made by the bank towards NPA portfolio of the bank as on 31.03.2009 and the same is retained as on 31.03.2013.Net provision is arrived at after adjusting ECGC/DICGC claims settled.The Provisioning Coverage Ratio (PCR) for the Bank as on 31.03.2013 is 63.00% (previous year 61.52%), which is calculated taking into account the total technical write offs. Provision includes provisions made above the prescribed rates wherever necessary.

116



iqu%l

ajfpr [

kkr¨a dk Ád

Vu/D

iscl

osur

e of

Res

truc

ture

d A

ccou

nts

¼jkf'

k djksM+ #

0 esa½

/(Am

ount

in

Rs.

Cro

re)

Ø-

la-

Sl.

No.

iqu%lajp

uk d

k Ád

kjTy

pe o

f R

estru

ctur

ing

→

lhMhv

kj i

)fr d

¢ varx

ZrU

nder

CD

R M

echa

nism

,l,e

bZ _

.k i

qu% l

ajpuk d

¢ varx

ZrU

nder

SM

E D

ebt R

estru

ctur

ing

Mec

hani

sm

vU;

Oth

ers

dqy

Tota

l

vkfL

Rk ox

hZdj.k

Ass

et

Cla

ssifi

catio

n →

LRkjh;

Sta

nda

rd

vo&

LRkjh;

Sub

-S

tan

dard

lafnX/k

Dou

btfu

l

ÄkVk

Lo

ss

dqy

Tot

al

LRkjh;

Sta

nda

rd

vo&

LRkjh;

Sub

-S

tan

dard

lafnX/k

Dou

btfu

l

ÄkVk

Lo

ss

dqy To tal

LRkjh;

Sta

nda

rd

vo&

LRkjh;

Sub

-S

tan

dard

lafnX/k

Dou

btfu

l

ÄkVk

Lo ss

dqy To tal

LRkjh;

Sta

nda

rd

vo&

LRkjh;

Sub

-S

tan

dard

lafnX/k

Dou

btfu

l

ÄkVk

Lo ss

dqy

Tota

lfooj

.k/D

etai

ls ↓

1

foŸkh; o

"kZ d¢

1 vÁSy

d¨

iqu%lajfpr

[kkrs ¼izkjafHkd

vkad

M+s½

Res

truc-

ture

dA

ccou

nts

as

on

Apr

il 1

of th

e FY

(o

peni

ng

figur

es)*

_f.k;ksa

dh la[;

kN

o.of

borr

ow-

ers

265

10

3224

315

023

60

629

7722

999

388

091

0979

9111

5462

50

9770

cdk;k

jkf'k

Am

ount

ou

tsta

ndin

g

1638

.06

86.9

70

0172

5.03

488.

3169

.34

36.2

80

593.

9375

49.0

449

1.58

84.8

40

8125

.46

9675

.41

647.

8912

1.12

010

444.

42

bl i

j fd

;k

x;k

Ákoèkku

Pro

visi

on th

ereo

n

184.

7615

.75

00

200.

5110

.45

1.43

1.95

0 13

.83

50.8

9.95

8.67

069

.42

246.

0127

.13

10.6

20

283.

76

2

o"kZ d¢

n©jku

ubZ

iqu%lajp

ukFr

esh

rest

ruct

urin

g du

ring

the

year

_f.k;ksa

dh la[;

kN

o.of

borr

ow-

ers

225

20

2961

84

073

687

135

070

577

026

110

807

cdk;k

jkf'k

Am

ount

outs

tand

in

g

1640

.83

552.

3674

.56

0226

7.75

361.

7333

.18

1.18

039

6.09

3398

.94

88.3

111

4.45

036

01.7

5401

.567

3.85

190.

190

6265

.54

bl i

j fd

;k

x;k

izkoèkku

P

rovi

-si

onth

ereo

n

145.

800.

800.

520

147.

129.

850.

660.

010

10.5

222

.66

0.39

0.01

023

.06

178.

311.

850.

540

180.

7

b)

iqu%l

ajfpr [

kkr¨a ds fooj.

k/Par

ticul

ars

of A

ccou

nts

Res

truct

ured

117



3

foŸkh; o

"kZ d¢ n

©jku

iqu%lajfpr

Lrjh;

Js.kh esa

mUu;u

Upg

rada

tions

to re

stru

ctur

ed

stan

dard

cat

-eg

ory

dur

ing

the

FY

_f.k;ksa

dh la[;

kN

o. o

fbo

rrow

-er

s

00

00

011

-9-2

00

208

-172

-29

00

219

-181

-31

00

cdk;k

jkf'k

Am

ount

outs

tand

in

g

0.00

0.00

0.00

0.00

0.00

33.5

9-1

2.77

-20.

820.

000.

0052

.08

-48.

81-1

.63

0.00

1.64

85.6

7-6

1.58

-22.

450.

00 1

.64

bl i

j izkoèkku

P

rovi

sion

th

ereo

n

0.00

0.00

0.00

0.00

0.00

5.99

-0.0

2-5

.97

0.00

0.00

0.32

-0.2

4-0

.08

0.00

0.00

6.31

-0.2

6-6

.05

0.00

0.00

4

iqu%lajfpr

LRkjh; v

fxze

ftui

j foÙkh;

o"kZ ds v

ar esa

mPp

Áko/kku

vkSj@

vFkok v

frfjä

t¨f[

ke Ò

kj

can d

j fn;k

x;k g

S vr%

vxys foÙ

kh;

o"kZ ds v

kjaHk

esa bUgsa

iqu%lajfpr

Lrjh;

vxzhe d

s :i

esa n'

kkZuk

vko';

d u

gha

gSA

Res

truct

ured

stan

dard

ad

vanc

es

whi

ch c

ease

to

attra

cthi

gher

pr

ovis

ioni

ng

and/

or

ad

ditio

nal

riskw

eigh

t at

the

end

of

the

FY a

nd

henc

e ne

ed

not b

e sh

own

as re

stru

c-tu

red

stan

dard

ad

vanc

es a

t th

e be

ginn

ing

of th

e ne

xt F

Y

_f.k;ksa

dh la[;

kN

o. o

fbo

rrow

e rs

77

117

117

686

686

810

cdk;k

jkf'k

Am

ount

outs

tand

in

g

124.

9912

4.99

404.

2640

4.26

2285

.66

404.

2628

14.9

1

bl i

j Áko/kku

Pro

visi

on

ther

eon

7.15

7.15

4.59

4.59

19

.57

19.5

731

.31

118



5

foŸkh; o

"kZ d¢ n

©jku

iqu%lajfpr

[kkrä dk

vou

;uD

owng

rada

-tio

ns o

f re

stru

ctur

edac

coun

ts

durin

g th

e FY

_f.k;ksa dh

la[;

kN

o. o

f

borr

ower

s

-10

10

0-3

331

20

0-3

4421

612

80

0-3

7824

713

10

-1

cdk;k

jkf'k

Am

ount

out

stan

d in

g

-41.

760.

0041

.76

0.00

0.00

-15.

3615

.36

0.00

0.00

0.00

-87.

5543

.32

44.2

30.

000.

00-1

44.6

758

.68

85.9

90.

000.

00

bl i

j fd

;k x

;k

Áko/kku

Pro

visi

on

ther

eon

0.52

0.00

0.52

0.00

0.00

-0.1

30.

130.

000.

000.

00-0

.45

0.37

0.08

0.00

0.00

-0.0

60.

500.

600.

000.

00

6

foŸkh; o

"kZ d¢ n

©jku c

Ís [kkrs M

kys x

, iqu

%lajfpr

[kkrs

Writ

e-of

fs o

f re

stru

ctur

edac

coun

ts

durin

g th

e FY

_f.k;ksa dh

la[;

kN

o. o

f bo

rrow

ers

00

30

30

013

013

00

610

610

077

077

cdk;k

jkf'k

Am

ount

ou

tsta

ndin

g

0.00

0.00

72.1

80.

0072

.18

0.00

0.00

63.4

90.

0063

.49

0.00

0.00

179.

070.

0017

9.07

0.00

0.00

314.

740.

0031

4.74

7foŸkh; o

"kZ d¢

31 e

kpZ d

¨ iqu

laZjfpr

[kkrs

Res

truct

ured

Acc

ount

s

as o

nM

arch

31

of

the

FY

¼vafre

vkad

M+s½

(clo

sing

fig

ures

*)

_f.k;ksa dh

la[;

kN

o.of

borr

ower

s

388

30

4917

150

291

351

551

8345

179

22

6428

5392

509

1086

569

92

cdk;k

jkf'k

Am

ount

outs

tand

in

g

2748

.69

744.

5689

.34

0.00

3582

.59

635.

6310

9.09

62.9

10.

0180

7.64

8919

.66

145

.42

474.

950.

0695

40.0

912

303.

9899

9.07

627.

20.

0713

930.

32

bl i

j fd

;k x

;k

Áko/kku

Pro

visi

on

ther

eon

277.

147.

290.

520.

0028

4.95

18.7

03.

200.

610.

0022

.51

117.

291.

082.

19

0.00

120.

5641

3.13

11.5

73.

320.

0042

8.02

Åi;

Zqä v

kadM+ä esa] o

rZeku [

kkrä esa

fd;k x

;k l

aforj

.k@

iquÒZqx

rku

'kkfe

y u

gha g

SA@Th

e ab

ove

figur

es e

xclu

de d

isbu

rsem

ents

/repa

ymen

t in

exis

ting

acco

unts

¼izca/k ox

Z }kjk rS;

kj fd;k x

;k v

kSj y

s[kkijh{kdksa }kjk fo'

okl fd;k x

;k½@

(Com

pile

d by

man

agem

ent a

nd re

lied

upon

by

the A

udito

rs)

119



c. Details of financial assets sold to Securitisation/ Reconstruction Company for Asset Reconstruction.

(Amount in Rs. crore)

S. No. Item Current

YearPrevious

Year

i) No. of Accounts 1 1

ii)Aggregate value (Net of Provisions) of Accounts sold to SC/RC

1.34* 1.33

iii) Aggregate consideration 1.35 0.56

iv)Additional consideration realized in respect of Accounts transferred in earlier years

NIL NIL

v) Aggregate gain/loss over net book value +0.01 0.77

*Technically written-off a/c

d. Details of non-performing financial assets purchased: (Amount in Rs. crore)

S. No. Item Current Year

Previous Year

1. a) No. of Accounts purchased dur-ing the year Nil Nil

b) Aggregate outstanding Nil Nil

2. a) Of these, number of accounts restructured during the year Nil Nil

b) Aggregate outstanding Nil Nil

e. Details of non-performing financial assets sold: (Amount in Rs. crore)

S. No. Item Current

YearPrevious

Year1. No. of Accounts sold Nil Nil

2. Aggregate outstanding Nil Nil

3. Aggregate consideration received Nil Nil

f. Provisions on Standard Assets: (Amount in Rs. crore)

Item Current Year

Previous Year

Provisions towards Standard Assets 163.00 158.00

The cumulative provision towards Standard Assets held by the Bank as at the year end amounting to Rs. 693.80 crores (previous year Rs. 530.80 crores) is included under Other Liabilities and Provisions in Schedule 5 to the Balance Sheet.

x- vkfLr iqu%lajpuk ds fy, izfrHkwfrdj.k@iqu% lajpuk daiuh dks csph xbZ foRRkh; vkfLr;ksa dk fooj.k

¼jkf'k djksM+ #- esa½

Ø-la- en pkyw o"kZ

fiNys o"kZ

i) [kkrksa dh la[;k 1 1

ii) ,llh@vkjlh dks csps x, [kkrksa dk dqy ewY; ¼izko/kku ?kVk dj½

1.34* 1.33

iii) dqy izfrQy 1.35 0.56

iv) fiNys o"kks± esa varfjr [kkrksa ds laca/k esa izkIr vfrfjä izfrQy

'kwU; 'kwU;

v) fuoy cgh ewY; ls vf/kd dqy ykHk@ gkfu

+0.01 0.77

*rduhdh :i ls cÍs [kkrs Mkys x, [kkrs

?k- [kjhnh xbZ xSj&fu"iknudkjh fo=h; vkfLr;ksa dk fooj.k


Ø-la- en pkyw o"kZ fiNys o"kZ

1 do"kZ ds nkSjku [kjhns x, [kkrksa dh la[;k

'kwU; 'kwU;

[k dqy cdk;k 'kwU; 'kwU;

2 dbuesa ls o"kZ ds nkSjku iqu%ljafpr [kkrksa dh la[;k

'kwU; 'kwU;

[k dqy cdk;k 'kwU; 'kwU;

³- csph xbZ xSj&fu"iknudkjh foÙkh; vkfLr;ksa dk fooj.k



1- csps x, [kkrksa dh la[;k 'kwU; 'kwU;

2- dqy cdk;k 'kwU; 'kwU;

3- dqy izkIr izfrQy 'kwU; 'kwU;

p- Lrjh; vkfLr;ksa gsrq izko/kku%(jkf'k djksM+ #. esa)

en pkyw o"kZ fiNys o"kZ

Lrjh; vkfLr;ksa gsrq izko/kku 163.00 158.00

cSad }kjk /kkfjr Lrjh; vkfLr;ksa ds fy, fd;k x;k lafpr izko/kku] tks o"kZ dh lekfIr ij 693-80 djksM+ #0 ¼fiNys o"kZ 530-80 djksM+ #-½ gS] dks rqyu i= dh vuqlwph 5 esa ^vU; ns;rk,a o izko/kku* ds rgr 'kkfey fd;k x;k gSA

120



10. Business Ratios

S. No. Items Current

YearPrevious

Year

iInterest Income as a percentage to Working Funds

9.52% 9.27%

iiNon-interest income as a percent-age to Working Funds

0.89% 0.73%

iiiOperating Profit as a percentage to Working Funds

1.99% 1.84%

iv Return on Assets 0.71% 0.67%

vBusiness (Deposits plus advances) per employee (Rs. in lacs)

1620.26 1462.17

vi Profit per employee (Rs. in Lacs) 7.03 6.21

10- dkjksckj vuqikr


i dk;Z'khy fuf/k;ä dh izfr'krrk ds :i esa C;kt vk;

9.52% 9.27%

ii dk;Z'khy fuf/k;ä dh izfr'krrk ds :i esa xSj&C;kt vk;

0.89% 0.73%

iii dk;Z'khy fuf/k;ä dh izfr'krrk ds :i esa ifjpkyu ykHk

1.99% 1.84%

iv vkfLr;ksa ij vk; 0.71% 0.67%

v izfr deZpkjh dkjksckj ¼tekjkf'k;ka $ vfxze½ ¼yk[k #- esa½

1620.26 1462.17

vi izfr deZpkjh ykHk ¼yk[k #- esa½ 7.03 6.21

11. vkfLr&ns;rk izca/ku/ASSET LIABILITY MANAGEMENT

31.03.2013 dh fLFkfr ds vuqlkj vkfLr ,oa ns;rkvksa dh dqN enksa dh ifjiDork lajpuk Maturity Pattern of Certain Items of Assets and Liabilities as on 31.03.2013.

(jkf'k djksM+ #. esa)/(Amount in Rs. crore)

ifjiDork <kapkMATURITY PATTERN

1fnu1 Day

2-7 fnu2-7

Days

8-14 fnu

8 - 14 Days

15-28 fnu

15 - 28 Days

29 fnu ls

3 ekg29 Days

to 3 Months

3 ekg ls

vf/kd 6 ekg rd

Over 3 Months

& up to 6

Months

6 ekg ls vf/kd 1 o"kZ rdOver 6 Months

& up to 1 Year

1 o"kZ ls vf/kd 3 o"kZ rd

Over 1 Year & up to 3 Years

3 o"kZ ls vf/kd 5 o"kZ rd

Over 3 Years & up to 5 Years

5 o"kZ ls

vf/kdOver 5 Years

dqyTOTAL

tekjkf'k;kaDEPOSITSpkyw o"kZCurrent YearfiNys o"kZPrevious Year

2727.15

1807.25

5198.89

2672.57

4501.73

2446.76

7700.97

7399.54

29305. 89

23023.58

27018.60

23014.55

48947.05

33633.81

17265.32

24231.03

6447.77

6943.66

26784.16

30792.19

175897.52

155964.92

_.k ,oa vfxzeLOANS & ADVANCES ¼dqy½/(Gross)pkyw o"kZCurrent YearfiNys o"kZPrevious Year

5106.34

6249.93

1670.12

1532.94

2068.00

2038.24

6217.00

5076.76

11828.80

9925.98

9203.51

9603.66

7976.74

11816.13

24559.20

22320.56

18131.69

14883.08

43424.18

29602.53

130186.17

113049.81

fuos'k INVESTMENTS dqy½\(Gross)pkyw o"kZCurrent YearfiNys o"kZPrevious Year

1635.00

776.14

776.91

248.32

25.12

160.03

0.00

538.08

2940.01

1238.81

823.79

651.85

886.30

1470.78

7318.01

8101.94

8426.81

8959.48

35887.25

30314.81

58719.20

52460.23

m/kkj/iqufoZŸkBORROWINGS /Refinancepkyw o"kZCurrent YearfiNys o"kZPrevious Year

0.06

400.00

108.57

0.00

0.00

0.00

162.86

0.00

2285.88

0.05

678.69

18.88

0.26

0.79

217.80

150.62

1000.21

76.38

3225.00

112.39

7679.33

759.11

121



fons'kh eqæk vkfLr;kaFOREIGN CURRENCY ASSETSpkyw o"kZCurrent YearfiNys o"kZPrevious Year

12204.07

7836.21

1290.83

911.48

6.42

7.12

1201.42

449.57

11555.14

8711.64

6066.25

6011.62

6143.59

4284.75

225.11

32.38

0.00

193.97

0.00

0.00

38692.83

28438.74

fons'kh eqæk ns;rk,aFOREIGN CURRENCY LIABILITIESpkyw o"kZCurrent YearfiNys o"kZPrevious Year

11572.79

7364.01

1582.52

910.36

0.07

0.49

1688.24

774.85

11621.71

8899.37

5983.67

6087.32

6221.76

4436.81

65.16

91.66

26.10

20.07

0.11

0.00

38762.13

28584.94

*¼izca/koxZ }kjk rS;kj fd;k x;k vkSj ys[kkijh{kdksa }kjk fo'okl fd;k x;k½/(Compiled by management and relied upon by the Auditors)¼*fOkfHkUUk daIkfUk¸kksa d¢ fUkfnZ"V HkkOk OkkYks bZfDOkVh 'ks¸kjksa Eksa fOkfUk/kkUk] Tkks IkgYks **5 Ok"kZ Lks vf/kd** Js.kh d¢ vaRkXkZRk Js.khCk) fd, Tkk jgs Fks] vCk **1 fnUk Rkd dh Ckd¢V** d¢ vaRkXkZRk Js.khCk) fd, Xk, gSa½/(*Investment in Quoted Equity shares of various companies earlier being categorized under “Above 5 years” are now categorized under “up to 1 Day bucket”)

12. EXPOSUREa. Exposure to Real Estate Sector:


Category Current Year

Previous Year

a. Direct Exposure

i) Residential Mortgages: Lendings fully secured by mortgages

on residential property that is or will be occupied by the borrower or that is rented;

[includes individual housing loans eligible for inclusion in priority sector advances amounting Rs. 5836.02 crores (previous year Rs.4467.46)].

7361.48 6128.95

ii.) Commercial Real Estate: Lending secured by mortgages

on commercial real estates (office buildings, retail space, multi-purpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acqui-sition, development and construction, etc.), including non-fund based (NFB) limits.

7667.72 5688.10

iii.) Investments in Mortgage Backed Se-curities (MBS) and other Securitised Exposures:

a. Residential b. Commercial Real Estate

0.00 0.00

b. Indirect Exposure

Fund Based and Non-fund Based Exposures on National Housing Bank (NHB) and Housing Finance Compa-nies (HFCs).

2674.70 2722.59

Total Exposure to Real Estate Sector 17703.90 14539.64

12- ,Dli¨t+j

d- LFkkoj laink {ks= dks ,Dli¨t+j ¼jkf'k djksM+ #- esa½

Js.kh pkyw o"kZ fiNys o"kZ

d- izR;{k ,Dli¨t+j

i) vkoklh; ca/kd % m/kkjdrkZ }kjk dCtk dh xbZ vFkok

dh tkus okyh vFkok fdjk, ij nh xbZ vkoklh; laifŸk ds ca/kd }kjk iwjh rjg izfrHkwr _.k

¼blesa izkFkfedrk {ks= ds vfxzeksa esa 'kkfey gksus gsrq ik= 5836-02 djksM+ #0 ds oS;fäd vkoklh; _.k Hkh 'kkfey gSa ¼fiNys o"kZ 4467-46 dj¨M+ #-½

7361.48 6128.95

ii) okf.kfT;d LFkkoj laink okf.kfT;d LFkkoj laink ¼dk;kZy; Hkou]

fjVsy LFkku] cgqmÌs'kh; okf.kfT;d ifjlj] cgqikfjokfjd vkoklh; Hkou] dbZ fdjk;snkjksa okys okf.kfT;d ifjlj] vkS|ksfxd vFkok HkaMkj x`g LFkku] gksVy] Hkwfe vfHkxzg.k] fodkl vkSj fuekZ.k bR;kfn½ ds ca/kd }kjk izfrHkwRk _.kA blesa xSj&fuf/k vk/kkfjr ¼,uch,Q½ lhek,a Hkh 'kkfey gSaA

7667.72 5688.10

iv) ca/kd }kjk leÆFkr izfrHkwfr;ksa ¼,ech,l½ esa fuos'k vkSj vU; izfrHkwfr—r _.k

d- vkoklh;[k- okf.kfT;d LFkkoj laink

0.00 0.00

[k- vizR;{k ,Dli¨t+j

jk"Vªh; vkokl cSad ¼,u,pch½ vkSj vkokl foŸk daifu;ksa ¼,p,Qlh½ dks fuf/k vk/kkfjr vkSj xSj&fuf/k vk/kkfjr ,Dli¨t+j

2674.70 2722.59

LFkkoj laink {ks= dks dqy ,Dli¨t+j 17703.90 14539.64

122



b. Exposure to Capital Market (Amount in Rs. crore)

Particulars Current Year

Previous Year

(i)

direct investment in equity shares, convertible bonds, convertible debentures and units of equity-oriented mutual funds the corpus of which is not exclusively invested in corporate debt;

436.18 452.04

(ii)

advances against shares/bonds/ debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ESOPs), convertible bonds, convertible debentures, and units of equity-oriented mutual funds;

0.50 0.54

(iii)

advances for any other purposes where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken as primary security;

106.44 243.05

(iv)

advances for any other purposes to the extent secured by the collateral security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the primary security other than shares/convertible bonds/convertible debentures/units of equity oriented mutual funds `does not fully cover the advances;

150.10 100.36

(v)

secured and unsecured advances to stockbrokers and guarantees issued on behalf of stockbrokers and market makers;

308.03 307.42

(vi)

loans sanctioned to Corporates against the security of shares / bonds/debentures or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources;

0.00 0.00

(vii) bridge loans to companies against expected equity flows/issues 0.00 0.00

(viii)

underwriting commitments taken up by the banks in respect of primary issue of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds;

0.00 0.00

(ix) financing to stockbrokers for margin trading; 0.00 0.00

(x)All exposure to Venture Capital Funds(both registered & unregistered )

220.26 206.78

Total Exposure to Capital Market 1221.51 1310.19

*DOES NOT INCLUDES UNDRAWN PORTION OF VENTURE CAPITAL FUND INVESTMENTS AMOUNTING Rs.165.50 crores (Previous year Rs.195.63 crores)

[k- iwath cktkj dks ,Dli¨t+j ¼jkf'k djksM+ #- esa½


(i)

bZfDoVh 'ks;jksa] ifjorZuh; ckW.Mksa] ifjorZuh; fMcsapjksa vkSj bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa esa izR;{k fuos'k] ftudh vk/kkjHkwr fuf/k dk fof'k"V fuos'k dkjiksjsV _.kksa esa ugha fd;k x;k gSA

436.18 452.04

(ii)

'ks;jksa ¼vkbZihvks@bZ,lvksih lfgr½] ifjorZuh; ckW.Mksa] ifjorZuh; fMcsapjksa vkSj bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa esa fuos'k gsrq O;fä;ksa dks 'ks;[email protected]@fMcsapjksa vFkok vU; izfrHkwfr;ksa dh tekur ij vFkok cstekurh vk/kkj Ikj vfxzeA

0.50 0.54

(iii)

fdlh vU; iz;kstu ds fy, vfxze] tgka 'ks;j vFkok ifjorZuh; ckW.M vFkok ifjorZuh; fMcsapj vFkok bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa dks izkFkfed izfrHkwfr ds :i esa fy;k x;k gSA

106.44 243.05

(iv)

fdlh vU; iz;kstu ds fy, vfxze tks 'ks;j vFkok ifjorZuh; ckW.M vFkok ifjorZuh; fMcsapj vFkok bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa dh lEikÆ'od izfrHkwfr dh lhek rd izfrHkwr gksa vFkkZr~ tgka 'ks;jksa@ifjorZuh; ckW.Mksa@ifjorZuh; fMcsapjksa@bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa ls fHkUUk izkFkfed izfrHkwfr }kjk vfxze iwjh rjg doj u gksaA

150.10 100.36

(v)'ks;j nykyksa dks izfrHkwr vkSj vizfrHkwr vfxze vkSj 'ks;j nykyksa vkSj cktkj fuekZrkvksa dh vksj ls tkjh xkjafV;ka A

308.03 307.42

(vi)

dkjiksjsVksa dks 'ks;[email protected]@fMcsapjksa vFkok vU; izfrHkwfr;ksa dh tekur ij vFkok cstekurh vk/kkj ij lalk/ku tqVkus dh izR;k'kk esa ubZ dEifu;ksa dh bZfDoVh esa izorZdksa dk va'knku ogu djus ds fy, Loh—r _.k

0.00 0.00

(vii) izR;kf'kr bZfDoVh izokg@fuxZe ds izfr dEifu;ksa dks iwjd _.k

0.00 0.00

(viii)

'ks;jksa vFkok ifjorZuh; ckW.Mksa vFkok ifjorZuh; fMcsapjksa vFkok bZfDoVh okys E;qpqvy QaMksa dh ;wfuVksa ds laca/k esa cSadksa }kjk yh xbZ gkehnkjh izfrc)rk,a

0.00 0.00

(ix) ekÆtu VªsÇMx gsrq 'ks;j nykyksa dks fn;k x;k foŸkA

0.00 0.00

(x)tksf[ke iwath fuf/k;ksa ¼iath—r o xSj iath—r nksuksa½ dks fn, x, dqy ,Dli¨t+jA

220.26 206.78

iwath cktkj dks dqy ,Dli¨t+j * 1221.51 1310.19

* bLkEksa Tkksf[kEk IkwaTkh fUkf/k dk 165-50 djksM+ #- ¼fIkNYks Ok"Zk 195-63 djksM+ #-½ dk vUkkgfjRk HkkXk 'kkfEkYk Ukgha gSA

123



c. Risk Category wise Country Exposure: (Amount in Rs. crore)

Risk Category

Exposure (net) as

at March 31, 2013 (Current

Year)

Provision held as

at March 31, 2013 (Current

Year)

Exposure (net) as at March 31,

2012 (Previous

Year)

Provision held as at March 31,

2012(Previous

Year)

Insignificant 987.77 0.00 712.70 0.00

Low 1827.07 0.00 1306.11 0.00

Moderate 347.17 0.00 216.66 0.00

High 72.15 0.00 37.63 0.00

Very High 21.96 0.00 20.67 0.00

Restricted 0.56 0.00 1.93 0.00

Off-credit 0.00 0.00 0 0.00

Total 3256.68 0.00 2295.70 0.00

Bank's net funded exposure for risk category-wise country exposures for each country is less than 1% of bank's total assets as on 31.03.2013 and as such no provision is required in terms of RBI guidelines.d. Details of Single Borrower Limit (SBL), exceeded by

the Bank: (Amount in Rs. crore)

Sl. No.

Name of the Borrower

Exposure Ceiling

LimitSanctioned

Outstanding as on 31.03.2013

NIL NIL NIL NIL

e. Details of Group Borrower Limit (GBL), exceeded by the Bank:


Sl. No.

Name of the Borrower

Exposure Ceiling

LimitSanctioned

Outstanding as on 31.03.2013

NIL NIL NIL NIL

f. Unsecured Advances: The advances amounting to Rs.630.01 crores as on 31.03.2013 (previous year Rs. 1667.66 crores) are secured by way of charge of intangible securities such as rights, licenses, authority etc. In the views of the management, the estimated values of such intangible securities charged to the bank as collateral are at least equal to the outstanding amount.

x- tksf[ke Js.khokj ns'k ,Dli¨t+j¼jkf'k djksM+ #- esa½

tksf[ke Js.kh

31ekpZ] 2013 dks ,Dli¨t+j ¼fuoy½

¼pkyw o"kZ½

31ekpZ] 2013 dks izko/kku

¼pkyw o"kZ½

31 ekpZ] 2012 dks,Dli¨t+j ¼fuoy½

¼fiNys o"kZ½

31 ekpZ] 2012 dks izko/kku

¼fiNys o"kZ½

ekewyh 987.77 0.00 712.70 0.00

de 1827.07 0.00 1306.11 0.00

lkekU; 347.17 0.00 216.66 0.00

mPp 72.15 0.00 37.63 0.00

vR;f/kd mPp 21.96 0.00 20.67 0.00

lhfer 0.56 0.00 1.93 0.00

U;wu _.k 0.00 0.00 0 0.00

dqy 3256.68 0.00 2295.70 0.00

izR;sd ns'k ds fy, tksf[ke Js.kh&okj ns'k ,Dli¨t+j gsrq cSad ds fuoy fuf/kd _.k 31-03-2013 dh fLFkfr ds vuqlkj cSad dh dqy vkfLr;ksa ds 1% ls de gSa rFkk blfy, Hkkjrh; fjtoZ cSad ds ekxZfunsZ'kksa ds vuqlkj dksbZ izko/kku fd, tkus dh vko';drk ugha gSA

?k- cSad }kjk ,dy m/kkjdrkZ lhek ¼,lCkh,y½ ds vfrØe.k ds fooj.k%


Øa- la-

_.kh dk uke vf/kdre _.k lhek

Loh—r lhek 31-03-2013 dks cdk;k


³- cSad }kjk lewg m/kkjdrkZ lhek ¼thch,y½ ds vfrØe.k ds fooj.k%


Øa- la-

_.kh dk uke vf/kdre _.k lhek

Loh—r lhek 31-03-2013 dks cdk;k


p- vizfrHkwr vfxze%

31-03-2013 dh fLFkfr ds vuqlkj 630-01 djksM+ #0 dh jkf'k ds ¼fiNys o"kZ 1667-66 dj¨M+ #-½ vfxze vewrZ izfrHkwfr;ksa tSls% vf/kdkj ¼jkbZV~l½] ykblsal] izkf/kdkj vkfn ds izHkkj }kjk izfrHkwr gSaA izca/ku ds fopkj esa cSad dks laikÆ'od izfrHkwfr ds :i esa izHkkfjr ,slh vewrZ izfrHkwfr;ksa dk vuqekfur ewY; de ls de] cdk;k jkf'k ds ewY; ds cjkcj gSA

124



13. ADDITIONAL DISCLOSURE:a. Concentration of Deposits


Current Year Previous Year

Total Deposits of twenty largest depositors 15928.16 14019.59

Percentage of Deposits of twenty largest depositors to Total Deposits of the Bank

9.06% 8.98%

b. Concentration of Advances (Amount in Rs. crore)


Total Advances to twenty largest borrowers 23356.79 18696.63

Percentage of Advances to twenty largest borrowers to Total Advances of the Bank

17.94% 16.54%

c. Concentration of Exposure (Amount in Rs. crore)


Total Exposure to twenty largest borrowers/customers 23603.04 23733.24

Percentage of Exposures to twenty largest borrowers to Total Exposure of the Bank on borrowers/customers

12.49% 16.75%

d. Concentration of NPAs (Amount in Rs. crore)


Total Exposure to top four NPA accounts 750.95 529.80

e. Sector-wise NPAs(Amount in Rs. crore)

S. No. Sector

Percentage of NPAs to Total Advances in that Sector


1 Agriculture & Allied activities 4.37 4.74

2 Industry (Micro & Small, Medium and Large) 4.37 3.94

3 Services 1.81 6.46

4 Personal Loans 5.90 5.86

13- vfrfjä izdVhdj.k

d- tekjkf'k;ksa dk ladsUæhdj.k


pkyw o"kZ fiNys o"kZ

chl CkM+s tekdrkZvksa dh dqy tekjkf'k;ka

15928.16 14019.59

cSad dh dqy tekjkf'k;ksa esa chl lcls cM+s tekdrkZvksa dh tekjkf'k;ksa dk izfr'kr

9.06% 8.98%

[k- vfxzeksa dk ladsUæhdj.k



chl lcls cM+s m/kkjdrkZvksa ds dqy vfxze

23356.79 18696.63

cSad ds dqy vfxzeksa esa chl lcls cM+s m/kkjdrkZvksa ds vfxzeksa dk izfr'kr

17.94% 16.54%

Xk- ,Dlikst+jksa dk ladsUæhdj.k



chl lcls cM+s m/kkjdrkZvksa /xzkgdksa dks dqy ,Dlikst+j

23603.04 23733.24

cSad ds dqy ,Dlikst+jksa esa chl lcls cM+s m/kkjdrkZvksa /xzkgdksa ds ,Dlikst+jksa dk izfr'kr

12.49% 16.75%

?k- xSj&fu"iknudkjh vkfLr;ksa ¼,uih,½ dk ladsUæhdj.k



loksZPp pkj ,uih, [kkrksa dk dqy ,Dlikst+j

750.95 529.80

M- {ks=okj ,uih,


Øa-la-

{ks= ml {ks= ds dqy vfxzeksa esa ,uih, dk izfr'kr


1 —f"k ,oa lac) fØ;kdyki 4.37 4.74

2 m|ksx ¼ekbØks ,oa y?kq] e/;e rFkk cM+s½

4.37 3.94

3 lsok,a 1.81 6.46

4 oS;fäd _.k 5.90 5.86

125



f. Movement of NPAs: (Amount in Rs. crore)

S. No. Sector Current

YearPrevious

Year

1Gross NPA s*as on 01.04.2012 (Opening balance)

3580.49 1920.54

2 Additions (fresh NPAs) dur-ing the year 3213.30 3897.59

Sub-total (A) 6793.79 5818.13

LESS:

(i) Upgradations 439.63 682.19

(ii)Recoveries (excluding recov-eries made from up-graded accounts)

753.94 622.57

(iii) Write-offs 1416.26 932.88

Sub-total (B) 2609.83 2237.64

Gross NPA as on 31st March, 2013 - Closing balance – (A) less (B) 4183.96 3580.49

*Gross NPAs as per item 2 of Annex to DBOD Circular DBOD.BP.BC.No.46/21.04.048/ 2009-10 dated September 24, 2009

g. Overseas Assets, NPAs and Revenue(Amount in Rs. crore)

Particulars Current Year Previous Year

Total Assets 0.13 0.18

Total NPAs 0.00 0.00

Total Revenue 0.00 0.00

h. SPVs sponsored (domestic & overseas) – Nil. i. In terms of RBI circular DBOD. BP. BC.80/21.04.018/

2010-11 dated 09.02.2011, the Bank has opted to amortise pension liability with respect to second pension optees for a period of 5 years commencing from FY 2010-11. Accordingly, out of the balance unamortized amount of Rs 512.70 crore as on 01.04.2012, the Bank has amortised Rs 170.90 crore being amount for the year ended 31.03.2013.

j. RIDF deposits placed by the Bank with NABARD/SIDBI/NHB has been grouped under Schedule 8- Investments in the Balance Sheet at item I (vi)- “Others” amounting to Rs. 7489.06 crore (Previous Year Rs. 7964.05 crore) in accordance with extant RBI guidelines. Income on said deposits has been grouped under Schedule 13 Interest Earned at item 13(ii)- “ Income on Investment”, amounting Rs. 391.04 crores (Previous Year Rs. 378.46 crores).

k. As per RBI Guidelines, Investment Reserve Account has been created amounting to Rs. 5.22 crore, in the current Financial Year.

l. Credit Default Swaps: Bank is in the process of formulating a policy on Credit default Swaps. Accordingly, no CDS transaction has been under taken by the Bank during the FY 2012-13.

Pk- ,uih, dk mrkj p<+ko ¼jkf'k djksM+ #- esa½

Ø-la- fooj.k pkyw o"kZ fiNys o"kZ

1 01-04-2012 ds vuqlkj dqy ,uih,* ¼vFk 'ks"k½

3580.49 1920.54

2 o"kZ ds nkSjku 'kkfey ¼u, ,uih,½ 3213.30 3897.59

mi&tksM+ ¼d½ 6793.79 5818.13

?kVk,a

(i) vixzsMs'ku 439.63 682.19

(ii) olwfy;ka ¼vixzsfMM [kkrksa ls dh xbZ olwfy;ksa dks NksM+dj½

753.94 622.57

(iii) cV~Vs [kkrs Mkys x, 1416.26 932.88

mi&tksM+ ¼[k½ 2609.83 2237.64

31 ekpZ] 2013 ds vuqlkj dqy ,uih,&bfr 'ks"k&¼d½ ?kVk ¼[k½

4183.96 3580.49

* dqYk ,UkIkh, MhCkhvksMh IkfjIk«k MhCkhvksMh-CkhIkh-CkhLkh Uka-46@21-04-048@2009&10 fnUkkad 24 fLkRkaCkj] 2009 d¢ vUkqYkXUkd dh Ekn 2 d¢ vUkqLkkj gaSA

N- fons'k esa vkfLr;ka] ,uih, ,oa jktLo



dqy vkfLr;ka 0.13 0.18

dqy ,uih, 0.00 0.00

dqy jktLo 0.00 0.00

Tk- ,lihoh leÆFkr ¼?kjsyw ,oa vksojlht+½ 'kwU;

Ök- HkkjRkh¸k fjTkOkZ CkSad d¢ fnUkkad 09-02-2011 d¢ IkfjIk«k MhCkhvksMh-CkhIkh-CkhLkh-80@21-04-018@2010&11 d¢ vUkqLkkj CkSad Uks Iksa'kUk dk nwLkjk fOkdYIk YksUks OkkYkksa d¢ LkaCka/k Eksa Iksa'kUk ns kRkk dk Ikfj'kks/kUk fOkRRkh¸k Ok"kZ 2010&11 Lks vkjaHk djd¢ 5 Ok"kks± dh vOkf/k Eksa djUks dk fOkdYIk PkqUkk gSA RknUkqLkkj 01-04-2012 dks 'ks"k 512-70 djksM+ #- dh vIkfj'kksf/kRk jkf'k Eksa Lks CkSad Uks 31-03-2013 dks LkEkkIRk Ok"kZ d¢ fYk, 170-90 djksM+ #- dh jkf'k Ikfj'kksf/kRk dh gS A

¥½ HkkjRkh¸k fjTkOkZ CkSad d¢ OkRkZEkkUk fn'kkfUknsZ'kksa d¢ vUkqLkkj UkkCkkMZ@ fLkMCkh@,Uk,PkCkh d¢ IkkLk j[kh XkbZ vkjvkbZMh,Q TkEkkjkf'k¸kka] RkqYkUkIk«k Eksa vUkqLkwPkh 8 ds varxZr fOkfUk/kkUk] Ekn I (vi) & **vU¸k** Eksa j[kh XkbZ gSa vkSj ¸ks 7489-06 djksM+ #- ¼fIkNYks Ok"kZ 7964-05 djksM+ #-½ gSaA mDRk TkEkkjkf'k¸kksa Ikj vk¸k] vUkqLkwPkh 13 esa vfTkZRk C¸kkTk] Ekn 13 (ii) & **fOkfUk/kkUkksa Ikj vk¸k** d¢ vaRkXkZRk j[kh XkbZ gS vkSj ¸kg 391-04 djksM+ #- ¼fIkNYks Ok"kZ 378-46 djksM+ #-½ gSA

V½ HkkjRkh¸k fjTkOkZ CkSad fn'kkfUknsZ'kkUkqLkkj PkkYkw fOkRRkh¸k Ok"kZ Eksa fOkfUk/kku vkjf{kRk fuf/k [kkRkk 5-22 djksM+ #- dh jkf'k d¢ LkkFk LkfTkRk fd¸kk Xk¸kk gSA

B- _.k Pkwd vnYkk&CknYkh ¼LkhMh,Lk½% CkSad _.k Pkwdksa dh vnYkk&CknYkh dh UkhfRk rS;kj jgk gSA RknUkqLkkj] fOkRRkh¸k Ok"kZ 2012&13 d¢ nkSjkUk CkSad Uks dksbZ LkhMh,Lk VªkaTksD'kUk Ukgha dhA

126



14. Disclosure of Penalties imposed by RBI under Banking Regulation Act,1949: During the year, No penalty was imposed by RBI under the provisions of Banking Regulation Act,1949 for disclosure.

15. Disclosure in terms of accounting standards issued by the Institute of Chartered Accountants of India.

a. Accounting Standard AS-5 – Net Profit or Loss for the Period, Prior Period Items and Changes in Accounting Policies: Prior period expenses included in “Other Expenditure” under Schedule 16 is Rs.7.88 crore (previous year 2.47 Crores). Prior period income included in “Other Income” under Schedule 14 is Rs. 0.61crore (previous year Rs. 0.49 Crores).

b. Accounting Standard AS-6 – Depreciation Accounting Breakup of Total Depreciation for the year for each class

of assets (Rs. in thousands)

Class of Asset 31.03.2013 31.03.2012

Premises 109360 116184

Other Fixed Assets 1121945 926007

Total 1231305 1042191

c. Accounting Standard AS-9 – Revenue Recognition: As per Accounting Policy No. 1(b), certain items of

income are recognized on Realization basis on account of statutory requirements or materiality.

d. Accounting Standard AS-15 – Employee Benefits: The Bank is following AS-15 (revised 2005) ‘Employee

Benefits’. The defined employee contribution/ benefit schemes are as under:-

i. Provident Fund The Bank pays fixed contribution to Provident Fund at

predetermined rates to a separate Trust, which invests the funds in permitted securities. The contribution to the fund for the period is recognized as expense and is charged to the profit & loss account. The obligation of the Bank is limited to such fixed contribution.

ii. Gratuity The Bank has defined benefit gratuity plans for Officers

who have joined / became Officer before 01/01/1983, Other Officers and Workman. Every Officer / workman who have rendered continuous services of five years or more is eligible for Gratuity, subject to a maximum of 20 months on superannuation, resignation, termination, disablement or on death. The scheme is funded by the bank and is managed by a separate Trust. The liability for the same is recognized on the basis of actuarial valuation.

iii. Pension. The Bank has a defined benefit pension Plan. The

plan applies to existing employees of the bank as on 29/09/1995 who have opted for the pension scheme

14- CkSaddkjh fOkfUk¸kEku vf/kfUk¸kEk] 1949 d¢ vaRkXkZRk Hkkjrh; fjtoZ cSad }kjk yxk, x, vFkZn.M dk izdVu%

vkyksP; o"kZ ds nkSjku CkSaddkjh fOkfUk¸kEku vf/kfu;e] 1949 d¢ vaRkXkZRk Òkjrh; fjt+oZ cSad }kjk dksbZ vFkZnaM IkzdVUk d¢ LkaCka/k Eksa Ukgha yxk;k x;kA

15- Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kkadu ekudksa ds vUkqLkkj IkzdVUk

d- ys[kkadu ekud ,,l 5 & vkyksP; vof/k gsrq fuoy ykHk vFkok gkfu] vof/k iwoZ ensa rFkk ys[kkadu uhfr;ksa esa ifjorZu vuqlwph 16 d¢ varxZr ^vU; O;;* esa 'kkfey vof/k iwoZ O;; 7-88 dj¨M+ #- ¼fiNys o"kZ 2-47 dj¨M+ #-½ gSA vuqlwph 14 d¢ varxZr ^vU; vk;* esa 'kkfey vof/k iwoZ vk; 0-61 dj¨M+ #- ¼fiNys o"kZ 0-49 dj¨M+ #-½ gSA

[k- ys[kkadu ekud&,,l 6 % EkwY¸kgzkLk Yks[kkadUk Ok"kZ d¢ nkSjkUk dqYk EkwY¸kgzkLk dk vkfLRk Js.khokj fOk'Yks"k.k


vkfLRk Js.kh 31.03.2013 31.03.2012

IkfjLkj 109360 116184

vU¸k vPkYk vkfLRk¸kka 1121945 926007

dqYk 1231305 1042191

Xk- ys[kkadu ekud - ,,l 9 & jktLo ekU;rk % ys[kkadu uhfr la- 1 ¼[k½ ds vuqlkj vk; dh dqN enksa dks

lkafof/kd vis{kk ;k egRo ds dkj.k olwyh vk/kkj ij fy;k x;k gSA

?k- ys[kkadu ekud ,,l 15 & deZpkjh ykHk % cSad ,,l&15 ¼la'kksf/kr 2005½ ^deZpkjh ykHk* dk vuqlj.k dj

jgk gSA ifjHkkf"kr deZpkjh va'knku@ykHk ;kstuk,a fuEukuqlkj gaS%

i. Hkfo"; fuf/k cSad iwoZfu/kkZfjr njksa ij Hkfo"; fuf/k esa ,d fu;r va'knku dk

Hkqxrku ,d vyx U;kl dks djrk gS] tks bu fuf/k;ksa dk fuos'k vuqeksfnr izfrHkwfr;ksa esa djrk gSA bl dks"k esa vkyksP; vof/k ds fy, fd, x, va'knku dks O;; ekuk x;k gS vkSj bls ykHk ,oa gkfu [kkrs esa izHkkfjr fd;k x;k gSA cSad dk nkf;Ro bl izdkj ds fu;r va'knku rd lhfer gSA

ii. minku cSad esa 01-01-1983 ls igys dk;Zxzg.k djus okys vf/kdkfj;ksa@cuus

okys vf/kdkfj;ksa] vU; vf/kdkfj;ksa vkSj deZdkjksa ds fy, ,d ifjHkkf"kr minku ykHk ;kstuk gSA izR;sd vf/kdkjh@deZdkj ftlus ikap o"kZ vFkok blls vf/kd dh fujarj lsok iwjh dh gS og vfèkokÆ"kdh] R;kxi= nsus] lsok&lekfIr] fodykaxrk vFkok e`R;q gksus ij vfèkdre 20 ekg dk minku ikus dk ik= gSA bl ;kstuk dk fu/kh;u cSad djrk gS vkSj bldk izca/k ,d vyx U;kl djrk gSA bldk nkf;Ro chekafdd ewY;kadu vk/kkj ij fy;k tkrk gSA

iii. isa'ku cSad esa ,d ifjHkkf"kr isa'ku ykHk ;kstuk gSA ;g ;kstuk

29@09@1995 dh fLFkfr ds vuqlkj cSad ds mu orZeku deZpkfj;ksa ij] ftUgsaus isa'ku ;kstuk dk fodYi pquk gS vkSj

127



and to all employees joining, thereafter. The scheme is managed by a separate Trust and the liability for the same is recognized on the basis of actuarial valuation.

iv. Other Defined Retirement Benefits (ODRB) Other Defined Retirement Benefits (ODRB) include

settlement at home town for employees and dependents and post retirement medical benefit for CMD & ED. These are unfunded and are recognized on the basis of actuarial valuation.

The summarized position of various defined benefits recognized in the profit and loss account and balance sheet along with the funded status are as under:

blds ckn dk;Zxzg.k djus okys lHkh deZpkfj;ksa ij ykxw gSA bl ;kstuk dh ns[kjs[k ,d vyx U;kl djrk gS vkSj bldk nkf;Ro chekafdd ewY;kadu vk/kkj ij fy;k tkrk gSA

iv. vU; ifjHkkf"kr lsokfuo`fRr ykHk ¼vksMhvkjch½ vU; ifjHkkf"kr lsokfuo`fŸk ykHkksa esa deZpkfj;ksa vkSj vkfJrksa dks

muds x`g uxj ¼gkse VkÅu½ esa clkuk vkSj v/;{k ,oa izca/k funs'kd o dk;Zdkjh funs'kd ds fy, lsokfuo`fŸk i'Pkkr~ fpfdRlk ykHk 'kkfey gSaA ;s xSj fuf/kd gSa vkSj bUgsa chekafdd ewY;kadu ds vk/kkj ij fy;k x;k gSA

ykHk ,oa gkfu [kkrk vkSj rqyu i= esa fy, x, fofHkUUk ifjHkkf"kr ykHkksa dh laf{kIr fLFkfr vkSj fuf/kd fLFkfr fuEukuqlkj gS%

¼jkf'k djksM+ #- Eksa½/(Amount in Rs Crore)

Eknsa Items

fuf/kd/FUNDED xSj&fuf/kdUNFUNDED

xzsP;qVh/Gratuity isa'ku/Pension NqV~Vh Ukdnhdj.k/Leave Encashment

2012-13 2011-12 2012-13 2011-12 2012-13 2011-12

da

ifjHkkf"kr ykHk ck/;rk esa ifjorZu%Changes in the Defined Benefit Obligation:

ifjHkkf"kr ykHk ck/;rk vFk'ks"k/Opening defined benefit obliga-tion

493.02 449.27 2883.74 2509.83 189.95 162.70

vfÒxzg.k lek;¨tu/Acquisition Adjustment 0.00 0.00 0.00 0.00 0.00 0.00

orZeku lsok ykxr/Current Service Cost 26.37 21.99 104.73 100.42 10.93 10.42

C;kt ykxr/Interest Cost 41.91 38.19 245.12 213.34 16.15 13.83

fiNyh lsok ykHk/Past Service Cost 0.00 0.00 0.00 0.00 0.00 0.00

chekafdd gkfu ¼ykHk½/Actuarial loss(gain) 48.59 9.86 178.50 112.78 22.01 9.54

iznŸk ykHk/Benefits paid -29.48 -26.29 -69.92 -52.63 -9.30 -6.54

ifjHkkf"kr ykHk ck/;rk bfr'ks"kClosing defined benefit obligation

580.41 493.02 3342.17 2883.74 229.74 189.95

[kb

;kstuk vkfLr;¨a ds mfpr ewY; esa ifjorZuChanges in Fair value of Plan Assets:

vkfLr;ksa dk mfpr ewY; vFk'ks"k/Opening fair value of Assets 459.35 297.33 2132.43 1826.23

N.A.

;kstuk vkfLr;ksa ij vuqekfur vk;/Expected return on plan assets

36.75 23.79 194.69 155.23

chekafdd ¼ykHk½@gkfu/Actuarial (gain)/loss 5.15 12.54 18.03 -9.01

fu;ksäk }kjk va'knku/Contributions by employer 33.35 151.98 449.35 212.61

iznŸk ykHk/Benefits paid -29.48 -26.29 -69.92 -52.63

vkfLr;ksa dk mfpr ewY; bfr'ks"k/Closing fair value of assets 505.12 459.35 2724.58 2132.43

128



xc

rqyui= esa yh xbZ jkf'kAmount recognised in the Balance Sheet:

ck/;rk dk orZeku ewY;&o"kZ ds var esa - (i)Present Value of Obligation - as at the year end - (i)

580.40 493.02 3342.17 2883.73 229.74 189.95

vkfLr;ksa ls fHkUUk mfpr ewY;&o"kZ ds var esa - (ii)Fair value of the Assets - as at the year end- (ii)

505.12 459.67 2724.58 2132.43 0.00 0.00

varj (ii) - (i)/Difference (ii) - (i) -75.28 -33.35 -617.59 -751.30 -229.74 -189.95

rqyui= esa yh xbZ fuoy vkfLr@¼ns;rk½Net asset/(liability) recognised in the Balance Sheet

-75.28 -33.35 -617.59 -751.30 -229.74 -189.95

?kd)

ykHk gkfu [kkrs esa fy;k x;k O;; %Expenses recognised in the Profit and Loss account :

orZeku lsok ykxr/Current Service cost 26.37 21.99 104.73 100.42 10.93 10.42

fiNyh lsok ykxr@ekU;/Past service cost/ recognised 0.00 0.00 0.00 0.00 0.00 0.00

ifjHkkf"kr ykHk ck/;rk ij C;ktInterest on defined benefit obligation

41.91 38.19 245.12 213.34 16.15 13.83

;kstuk vkfLr;ksa ij vuqekfur vk;Expected return on plan assets

-36.75 -23.79 -194.69 -155.23 0.00 0.00

pkyw o"kZ esa fy;k x;k fuoy chekafdd ?kkVk ¼ykHk½Net actuarial loss/(gain) recognised in the current year

43.44 -3.04 160.47 80.08 22.01 9.54

ykHk&gkfu [kkrs esa fy;k x;k O;;Expenses recognised in the P&L a/c

74.97 33.35 315.63 238.61 49.09 33.79

³e)

rqyui= esa yh xbZ ns;rk esa mrkj&p<+koMovements in the Liability recognised in the Balance Sheet

fuoy ns;rk vFk'ks"k/Opening Net Liability 493.02 449.27 2883.74 2509.83 189.95 162.70

mIkjksDRkkUkqLkkj O¸k¸k/Expense as above 74.97 33.39 315.63 280.32 49.09 33.79

IkznRRk YkkHk/Benefit paid -29.48 -26.29 -69.92 -52.63 -9.30 -6.54

¸kksTkUkk vkfLRk¸kksa Ikj OkkLRkfOkd vk¸kActual return on Plan asset

41.90 36.65 212.72 146.22 0.00 0.00

vTkZUk LkEkk¸kksTkUk/Acquisition Adjustment 0.00 0.00 0.00 0.00 0.00 0.00

fuoy ns;rk@¼vkfLr½ bfr'ks"k Closing Net liability/(asset) 580.41 493.02 3342.17 2883.74 229.74 189.95

pf)

;kstuk vkfLr;ksa ds fooj.k ¼fOkfUk/kkUk½ %Details of Plan Assets (Investments) :

ljdkjh izfrHkwfr;ka/Government Securities 186.13 186.35 1748.76 1118.70

ykxw ugha

dkWjiksjsV ckW.M@fMcsapj/Corporate Bonds/debentures 70.25 72.05 243.10 197.73

cSadksa esa tekjkf'k;ka/Deposit in banks 9.25 72.33 540.42 552.00

CkhEkk daIkfUk¸kksa }kjk IkzCkaf/kRk fUkf/k¸kkaFunds managed by Insurance Co.

212.71 110.00 0.00 0.00

vU;/Others 26.78 18.63 49.22 0.00

dqy/Total 505.12 459.36 2581.50 1868.43

mi;qZä esa ls vkschlh ckW.M@tekjkf'k;ksa esa fofu/kkuOf the above, investment in OBC Bond/deposits

64.20 126.63 251.48 591.24

129



Ng)

iz;qä izeq[k chekafdd /kkj.kk,aPrincipal actuarial assumptions used:

iz;qä i)fr/Method used vuqekfur ;wfuV _.kProjected Unit Credit

vuqekfur ;wfuV _.kProjected Unit Credit

cV~Vk nj ¼okÆ"kd½/Discount rate (p.a.) 8.50% 8.50% 8.50% 8.50% 8.50% 8.50%

;kstuk vkfLr;ksa ij vk; dh vuqekfur nj ¼okÆ"kd½Expected rate of return on plan assets (p.a.)

8.00% 8.00% 9.13% 8.50% 0.00% 0.00%

Hkkoh osru o`f)/Future Salary increase 5.50% 6.00% 5.50% 6.00% 5.50% 6.00%

Tkh)

vU; nh?kkZof/k deZpkjh ykHk&xSj fuf/kdOther Long Term Employee Benefits – unfunded

chekjh dh NqV~Vh Sick leave

fpfdRlk lgk;rkMedical Aid

ykxw ugha

2012-13 2011-12 2012-13 2011-12

djksM+ #- esaa

djksM+ #- esaa

djksM+ #- esaa

djksM+ #- esaa

ifjHkkf"kr ykHk ck/;rk vFk'ks"kOpening defined benefit obligation

48.97 40.24 0.61 0.48

orZeku lsok ykxr/Current Service Cost 3.45 3.06 0.04 0.12

C;kt ykxr/Interest Cost 4.16 3.42 0.05 0.04

ÁnŸk ykÒ/Benefits paid 0.00 0.00 -0.11 -0.04

chekafdd gkfu@ykHk/Actuarial loss/gain 5.46 2.25 0.28 0.01

ifjHkkf"kr ykHk ck/;rk bfr'ks"kClosing defined benefit obligation

62.04 48.97 0.87 0.61

Ök i)

iz;qä izeq[k chekafdd /kkj.kk,aPrincipal actuarial assumptions used:

cV~Vk nj ¼okÆ"kd½/Discount rate (p.a.) 8.50% 8.50% 8.50% 8.50%

Hkkoh osru o`f)/Future Salary increase 5.50% 6.00% 5.50% 6.00%

fVIif.k;ka % y chekafdd ewY;kadu esa yh xbZ Hkkoh osru o`f) dk vuqeku egaxkbZ]

ofj"Brk] inksUUkfr rFkk jkstxkj cktkj esa vkiwÆr vkSj ekax tSls vU; lacaf/kr dkjdksa dks /;ku esa j[krs gq, fd;k x;k A

y vkyksP; o"kZ ds nkSjku NqV~Vh fdjk;k fj;k;r ds fy, 5-63 djksM+ #- ¼fiNys o"kZ 1-76 djksM+ #-½ rFkk LVkQ lSVyesaV O;; gsrq 0-11 djksM+ #- ¼fiNys o"kZ 0-67 djksM+ #-½ dk izko/kku fd;k x;k gS tks chekafdd izek.ki= ds vuqlkj gSA rFkkfi] ,y,Qlh ds fy, 28-35 djksM+ #- ¼fiNys o"kZ 22-73 djksM+ #-½ vkSj LVkQ lsVyesaV O;; d¢ fy, 2-55 dj¨M+ #- ¼fiNys o"kZ 2-44 dj¨M+ #-½ cdk;k gSaA

y Iksa'kUk RkFkk XkzsP¸kqVh fUkf/k dh ¸kksTkUkk vkfLRk¸kksa Eksa VªLV }kjk CkSad d¢ vIkUks CkkW.Mksa @TkEkkjkf'k¸kksa Eksa fUkOks'k dh XkbZ ØEk'k% 251-48 djksM+ #- RkFkk 64-20 djksM+ #- dh jkf'k¸kka 'kkfEkYk gaSA

NOTE: y The estimates of future salary increases considered

in actuarial valuation, takes into account of inflation, seniority, promotion and other relevant factors, such as supply and demand in the employment market.

y During the year provision has been made for LFC at Rs.5.63 crore (previous year Rs. 1.76 Crore) and Staff settlement expenses at Rs. 0.11 crore (previous year 0.67 crore), which are as per Actuarial Certificate. However, outstanding for LFC is at Rs.28.35 crore (previous year Rs.22.73 crore) and Staff settlement expenses at Rs.2.55 crore (previous year Rs. 2.44 crore)

y Plan Assets of the Pension & Gratuity fund include amounts of Rs. 251.48 crore and Rs.64.20 crore respectively invested by the trust in the Bank’s own Bonds/Deposits.

130



e. PENSIONDuring the Financial Year 2010-11, the Bank had reopened the pension option for its employees who had not opted for the pension scheme (II Pension option). As a result of exercise of which the bank has incurred a liability of Rs. 854.50 Crores in respect of the existing employees.The Reserve Bank of India has issued a circular no. DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension Option to Employees of Public Sector Banks and Enhancement in Gratuity Limits – Prudential Regulatory Treatment, dated 9th February 2011. In accordance with the provisions of the said Circular, the Bank may amortise the amount of pension over a period of five years for second pension optees who are existing employees of the Bank. Accordingly, the Bank has charged the following to the profit and loss account with respect to II pension liability of the existing employees: (Amount in Rs. crore)

Financial Year

Net Liability/Opening Balance

Amount charged to Profit and loss

AccountClosing Balance

2010-11 854.50 170.90 683.60

2011-12 683.60 170.90 512.70

2012-13 512.70 170.90 341.80

f. Accounting Standard AS-17 – Segment Reporting:i. The Business Segments, which is the Primary Segment

include: y Treasury Operations y Corporate / Wholesale Banking y Retail banking y Other banking business operations

ii. The Geographical segments are recognized as the Secondary Segment. As the Bank is not carrying on any foreign operations, the only reportable geographical segment is of Domestic operations.

y Treasury Operations: Treasury operations consist of dealing in securities and Money Market Operations

y Corporate / Wholesale Banking: Includes all advances to trusts, partnership firms, companies and statutory bodies which are not included under “Retail Banking”

y Retail Banking: The exposure up to Rs.5.00 Crores to individual, HUF, Partnership firm,Trust, Private Ltd. Companies, public ltd. Companies, Co-operative societies etc. or to a small business is covered under retail banking. Small business is one where average of last three years’ annual turnover (Actual for existing & projected for new entities) is less than Rs.50 crores.

y Other banking business operations: Includes all other Banking operations not covered under Treasury, Wholesale Banking and Retail banking Segments. Other banking business is the residual category.

iii. The segment revenue from treasury operations is shown after interest on average inter-segment funds used in Treasury Operations. The interest has been charged at the rate of Cost of Funds i.e. percentage of total interest expended to average working funds for the year.

?k- isa'ku %

foÙkh; o"kZ 2010&11 ds nkSjku] cSad us vius mu deZpkfj;ksa dks isa'ku dk fodYi iqu% fn;k ftUgksaus isa'ku ;kstuk ugha pquh Fkh ¼f}rh; isa'ku fodYi½A blds ifj.kkeLo:i ekStwnk deZpkfj;ksa ds laca/k esa cSad us EkkSTkwnk dEkZPkkfj¸kksa d¢ LkaCka/k Eksa 854-50 djksM+ #i, dh ns;rk dks ogu fd;kA

Hkkjrh; fjtoZ cSad us ljdkjh {ks= ds cSadksa ds deZpkfj;ksa dks isa'ku fodYi iqu% nsus vkSj minku lhek esa c<++ rjh & foosdiw.kZ fofu;ked laO;ogkj ij fnukad 9 Qjojh] 2011 dk ifji= la- MhchvksMh-chih-chlh- 80@21-04-018@2010&11 tkjh fd;k gSA mä ifji= ds mica/kksa ds vuqlkj] cSad] isa'ku dk nwljk fodYi pquus okys cSad ds orZeku deZpkfj;ksa ds fy, ikap o"kks± dh vof/k esa isa'ku dh jkf'k dk ifj'kks/ku dj ldrk gSA rnuqlkj cSad us f}rh; isa'ku ns;rk ds laca/k esa ykHk ,oa gkfu [kkrs esa fuEukuqlkj jkf'k izHkkfjr dh gS%


fOkRRkh¸k Ok"kZ

fuoy ns;rk@vFk 'ks"k

ykHk ,oa gkfu [kkrs esa izHkkfjr jkf'k

bfRk'ks"k

2010-11 854.50 170.90 683.60

2011-12 683.60 170.90 512.70

2012-13 512.70 170.90 341.80

M-- ys[kkadu ekud ,,l&17 % [k.Mokj fjiksÉVx%i. dkjksckj [kaM tks izkFkfed [kaM gS] esa fuEufyf[kr 'kkfey gSa y jktdks"kh; ifjpkyu y dkWjiksjsV@Fkksd cSaÇdx y [kqnjk cSaÇdx y vU; cSaÇdx dkjksckj ifjpkyu

ii. HkkSxksfyd [k.M dks xkS.k [k.M ds #i esa ekuk tkrk gSA pwafd cSad dk fons'k esa dksbZ ifjpkyu ugha gS] blfy, HkkSxksfyd [k.M esa fjiksVZ djus ;ksX; dsoy ?kjsyw ifjpkyu gSaA

y jktdks"kh; ifjpkyu % jktdks"kh; ifjpkyu esa izfrHkwfr;ksa vkSj eqæk cktkj ifjpkyu esa ysunsu 'kkfey gS A

y dkWjiksjsV@Fkksd cSaÇdx % buesa U;klksa] Hkkxhnkj Qeks±] dEifu;ksa vkSj lkafof/kd fudk;ksa dks fn, Xk, lHkh vfxze 'kkfey gSa ftUgsa fjVsy cSaÇdx esa 'kkfey ugha fd;k x;kA

y fjVsy cSaÇdx % O;fä;ksa] fgUnw vfoHkkftr ifjokj] Hkkxhnkj QeZ] U;kl] izkbosV fyfeVsM dEifu;ksa] lgdkjh lfefr;ksa bR;kfn vFkok y?kq dkjksckj dks 5-00 djksM+ #i, rd dk _.k fjVsy cSaÇdx ds rgr vkrk gSA y?kq dkjksckj og gS tgka fiNys rhu o"kks± dk okÆ"kd i.;korZ ¼VuZvksoj½ ¼ekStwnk dEiuh ds fy, okLrfod vkSj ubZ dEiuh ds fy, iwokZuqekfur½ 50 djksM+ #i, ls de gksA

y vU; cSaÇdx dkjksckj ifjpkyu % buesa jktdks"k] Fkksd cSaÇdx vkSj fjVsy cSaÇdx [k.Mksa esa 'kkfey u fd, x, vU; lHkh cSaÇdx ifjpkyu vkrs gSaA vU; cSaÇdx dkjksckj vof'k"V Js.kh gSaA

iii. jktdks"kh; ifjpkyuksa ls gq, [kaM jktLo dks jktdks"kh; ifjpkyu esa iz;qä vkSlr varj&[k.Mh; fuf/k;ksa ij C;kt ds ckn n'kkZ;k x;k gSA C;kt fuf/k ykxr dh nj ij izHkkfjr fd;k x;k gS vFkkZr~ vkyksP; o"kZ gsrq vkSlr dk;Z'khy fuf/k;ksa ij O;; fd, x, dqy C;kt dk izfr'krA

131



Hkkx d & dkjksckj [kaM

Part A – Business Segment ¼jkf'k djksM+ #- esa½/(Amount in Rs. crore)

dkjksckj [k.MBusiness Segments

jktdks"kh;Treasury

dkjiksjsV@Fkksd cSaÇdx

Corporate/ Wholesale Banking

fjVsy cSaÇdxRetail Banking

vU; cSaÇdx ifjpkyu

Other Banking Operations

vUkkOkafVRkUnallocated

dqyTOTAL

fooj.kParticulars

pkyw o"kZ

Current Year

fiNys o"kZ

Previous Year

pkyw o"kZCurrent

Year

fiNys o"kZ

Previous Year

pkyw o"kZ

Current Year

fiNys o"kZ

Previous Year

pkyw o"kZ

Current Year *

fiNys o"kZ

Previous Year

pkyw o"kZ

Current Year

fiNys o"kZ

Previous Year

pkyw o"kZCurrent Year

fiNys o"kZ

Previous Year

jktLo/Revenue 4176.84 4052.34 10732.17 10124.51 7836.82 6027.72 138.27 171.09 73.95 72.72 22958.05 20448.38

ifj.kke/Result 600.87 309.14 508.45 651.53 359.88 384.83 6.05 12.16 60.83 68.10 1536.08 1425.76

vukcafVr O;;Unallocated Expenses

ifjpkyu ykHkOperating Profit

1536.08 1425.76

vk;djIncome Taxes

208.13 284.20

vlk/kkj.k ykHk@gkfuExtraordinary Profit/ Loss

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

fuoy ykHkNet Profit

1327.95 1141.56

vU; lwpukOtherInformation:

[k.M vkfLr;kaSegment Assets

59781.71 53012.91 107599.59 106814.25 86904.34 65532.88 1845.69 1249.90 1441.20 1193.59 257572.52 227803.54

vukcafVr vkfLr;kaUnallocated Assets

0.00 0.00

dqy vkfLr;kaTotal Assets

257572.52 227803.54

[k.M ns;rk,aSegment Liabilities

59781.71 53012.91 107599.59 106814.25 86904.34 65532.88 1845.69 1249.90 1441.20 1193.59 257572.52 227803.54

vukcafVr ns;rk,aUnallocated Liabilities

0.00 0.00

dqy ns;rk,aTotal Liabilities

257572.52 227803.54

¼IkzCka/k OkXkZ }kjk RkS¸kkj fd¸kk Xk¸kk vkSj Yks[kkIkjh{kdksa }kjk fOk'OkkLk fd¸kk Xk¸kk½(Compiled by management and relied upon by the Auditors)* d¢OkYk IkzR¸k{k YkkXkRk d¢ vkCkaVUk Ikj vk/kkfjRk*based on allocation of direct cost only.

132



N- ys[kkadu ekud&,,l 18 & lacaf/kr ikVhZ IkzdVUk %

g. Accounting Standard AS-18–Related Party disclosures:

cSad ds izeq[k izca/kdh; dkÆedksa ds laca/k esa lacaf/kr ikVhZ ysunsu dk C;kSjk fuEukuqlkj gS %-

Details pertaining to Related Party Transactions in respect of key managerial personnel of the Bank are as follows:-

¼jkf'k yk[k #- esa½/(Amount in Rs. Lac)

Ø-Lka-S.No.

UkkEkName

LkaCka/kRelationship

YksUknsUk dk LOk:IkNature of Transaction 2012-13 2011-12

1 Jh ,Lk-,Yk- CkaLkYkSh. S.L. Bansal

v/¸k{k ,Oka IkzCka/k fUkns'kd ¼01-03-2012 Lks½Chairman & Managing Director (From 01.03.2012)

IkkfjJfEkdRemuneration

16.01 1.25

2 Jh UkkXks'k IkSM+kSh. Nagesh Pydah

IkwOkZ v/¸k{k ,Oka IkzCka/k fUkns'kdEx- Chairman & Managing Director


5.49 19.27

3 Jh ,Lk-Lkh- fLkUgkSh. S.C. Sinha

dk¸kZdkjh fUkns'kd ¼31-07-2012 Rkd½Executive Director (Up to 31.07.2012)


8.92 18.85

4 Jh Okh- d..kUkSh. V. Kannan dk¸kZdkjh fUkns'kd/Executive Director IkkfjJfEkd

Remuneration18.13 14.41

5 Jh HkwfIkUnj UkS¸¸kjSh.Bhupinder Nayyar

dk¸kZdkjh fUkns'kd ¼05-10-2012 Lks½Executive Director (From 05.10.2012)

IkkfjJfEkdRemuneration 6.56 -

dsujk ,p,lchlh vksfj;UVy cSad vkWQ+ dkWelZ thou chek fuxe dEiuh fyfeVsM & ¼lg;ksxh½

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited - (Associate)

Tk- ys[kkadu ekud -,,l 19 & iV~Vk ¼yht+½ %

cSad us fOkRRkh¸k YkhTk+] IkfjPkkYkUkIkjd YkhTk+ dk ,slk dksbZ ysu&nsu] Tkks Ekq[¸kRk% CkSad d¢ fOkdYIk Ikj UkOkhdj.k ¸kksX¸k dk¸kkZYk¸k IkfjLkjksa Lks LkaCkaf/kRk gksRkh gSa] Ukgha fd;kA

i. ys[kkadu ekud- ,,l 20 & izfr 'ks;j vtZu ¼bZ-ih-,l-½ %

Øa-la- fooj.k pkyw o"kZ fiNys o"kZ

i) ewy@gzkflr izfr 'ks;j vtZu ¼#-½

45.51 39.13

ii) ewy@gªkflr izafr 'ks;j vtZu dk ifjdyu

dvlk/kkj.k enksa ds ckn vkSj dj i'Pkkr~ fuoy ykHk ¼djksM+ #-½

1327.95 1141.56

[k bZfDoVh 'ks;jksa dh Hkkfjr vkSlr la[;k

291761182 291761182

x ewy izfr 'ks;j vtZu ¼d@[k½

45.51 39.13

?k izfr 'ks;j vafdr ewY; 10.00 10.00

dksbZ laHkkO; bZfDoVh 'ks;j ¼ifjorZuh; ck.M½ cdk;k ugha gS] vr% gªkflr izfr 'ks;j vtZu] ewy izfr 'ks;j vtZu ds cjkcj gSA

¥k- ys[kkadu ekud&22 vk; ij dj gsrq ys[kkadu

cSad us vkLFkfXkRk vkfLRk¸kksa ,Oka ns¸kRkkvksa dh IkgPkkUk dh gSA

h. Accounting Standard AS-19 – Leases: The Bank has not entered into any transaction of Financial

Lease, Operating lease primarily comprises of office premises, which are renewable at the option of the bank.

i. Accounting Standard AS-20 - Earnings per Share (EPS):

S. No. Particulars Current

YearPrevious

Year

i) Basic/Diluted EPS. (Rs.) 45.51 39.13

ii) Calculation of Basic/ Diluted EPS.

a)Net Profit after Extraordi-nary Items and after Tax (Rs. Crores)

1327.95 1141.56

b) Weighted Average No. of Equity Shares 291761182 291761182

c) Basic Earning per Share (a/b) 45.51 39.13

d) Nominal value per Share 10.00 10.00

There are no potential equity shares (convertible bonds) outstanding and as such the Diluted Earning per Share is same as Basic Earning per share.

j. Accounting Standard AS-22 – Accounting for Taxes on Income:

The bank has recognized deferred tax assets and

133



liabilities. The break up of deferred tax assets and liabilities in to major items is given below:

(Rs. in crores)


Previous Year

A. Deferred Tax Assets:Additional Provision on Loans & Advances 133.00 244.00

Provision for Leave Encashment/LFC etc 97.00 79.00

Depreciation on securities transferred from AFS to HTM 0.00 31.00

Others 168.00 144.00

Total of A 398.00 498.00

B. Deferred Tax Liabilities:Interest Accrued but not due on Investments -301.00 -294.00

Broken Period Interest -7.00 -7.00

Depreciation of Investment -80.00 -80.00

Others -9.00 -83.00

Total of B. -397.00 -464.00

Net Deferred Tax Asset/(Liability) 1.00 34.00

Deferred Tax Asset/(liability) (Rounded off) 1.00 34.00

j. Accounting Standard AS–28 Impairment of Assets: The bank’s assets substantially comprise of financial

assets, which are not covered by AS-28 ‘Impairment of Assets’. In the opinion of bank’s management there is no impairment in the value of its non financial assets in terms of said Accounting Standard.

k. Accounting Standard AS–29 on Provisions, Contingent Liabilities and Contingent Assets:

Contingent Liabilities as stated in Schedule 12 [clause (i) and (vi) ]to the accounts are dependent on the outcome of court cases / disposal of appeals filed before various authorities / out of court settlement and other development if any. No reimbursement is expected in respect of items Nos. (i) and (vi) of said schedule.

l) Floating provisions (Amount in Rs. crores)S. No.

Particulars Current year

Previous year

a. Opening balance in the floating provision a/c

72.00 72.00

b. The quantum of floating provisions made in the accounting year

0.00 0.00

c. Amount of draw down made during the accounting year

0.00 0.00

d. Closing balance in thefloating provisions a/c

72.00 72.00

vkLFkfXkRk vkfLRk¸kksa ,Oka ns¸kRkkvksa d¢ fOk'Yks"k.k dh IkzEkq[k Eknsa UkhPks nh Tkk jgh gaS%&



d- vkLFkfxr dj vkfLr;ka %

_.k ,oa vfxzeksa ij vfrfjä izko/kku 133.00 244.00

NqV~Vh udnhdj.k/NqV~Vh fdjk;k fj;k;r vkfn ds fy, izko/kku

97.00 79.00

,,Q,l ls ,pVh,e esa LFkkukarfjr izfrHkwfr;ksa ij ewY;gzkl

0.00 31.00

vU; 168.00 144.00

d dk tksM+ 398.00 498.00

[k- vkLFkfxr dj ns;rk,a %

fofu/kkuksa ij izks˜wr ijUrq vns; C;kt -301.00 -294.00

[kafMr vof/k dk C;kt -7.00 -7.00

fofu/kkuksa dk ewY;gzkl -80.00 -80.00

vU; -9.00 -83.00

[k dk tksM+ -397.00 -464.00

fuoy vkLFkfxr dj vkfLr;ka/(ns;rk,a½ 1.00 34.00

vkLFkfxr dj vkfLr/(ns;rk½ (iw.kkZÇdr) 1.00 34.00

V- ys[kkadu ekud&28 & vkfLr;ksa dh vutZdrk %

cSad dh vkfLr;ksa esa eq[;r % foŸkh; vkfLr;ka 'kkfey gSa tks ,,l&28 ^vkfLr;ksa dh vutZdrk* ds rgr ugha vkrhaA cSad izca/ku ds erkuqlkj mä ys[kkadu ekud ds vuqlkj bldh xSj foŸkh; vkfLr;ksa ds ewY; esa dksbZ vutZdrk ugha gSA

B- ys[kkadu ekud&29 & izko/kku] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka %

ys[kksa dh vuqlwph 12 [k.M (i) vkSj (vi) esa ;Fkk mfYyf[kr vkdfLed ns;rk,a] vnkyrh ekeyksa ds fu"d"kks±@fofHkUUk izkf/kdj.kksa ds le{k nk;j vihyksa ds fuiVku@U;k;ky; ds ckgj leÖkkSrs rFkk vU; fdlh ?kVuk] ;fn dksbZ gks] ij fuHkZj gSA mä vuqlwph dh en la[;k (i) vkSj (vi) ds laca/k esa dksbZ izfriwÆr visf{kr ugha gS

M- vLFkk;h izko/kku ¼jkf'k djksM+ #- esa½

Ø-la- fooj.k pkyw o"kZ fiNys o"kZ

d vLFkk;h izko/kku [kkrs esa vFk 'ks"k 72.00 72.00

[k ys[kkadu o"kZ esa fd, x, vLFkk;h izko/kkuksa dh ek=k

0.00 0.00

x ys[kkadu o"kZ esa vkgj.k }kjk deh dh jkf'k

0.00 0.00

?k vLFkk;h izzko/kku [kkrs esa bfr 'ks"k 72.00 72.00

134



16. Fees/ Remuneration received in respect of Bancassurance business undertaken by the Bank is Rs.19.59 Crores. (Previous year Rs. 18.14 crore).

17. Amalgamation of erstwhile Global Trust Bank Ltd. with Oriental Bank of Commerce:

The erstwhile Global Trust Bank Ltd. (eGTB) was amalgamated with the Bank as per the scheme of amalgamation notified by the Government of India, Ministry of Finance, Dept. of Economic Affairs (Banking Division) “the Scheme”. As per the Scheme, the business, properties, assets and liabilities of eGTB stand transferred to the Bank with effect from August 14, 2004, the prescribed date.

The Bank has incorporated gross “Not Readily Realisable” Advances of Rs. 1,285.26 crores, a provision of Rs. 821.16 crores there against and “Not Readily Realisable” Assets comprising of Income-tax paid amounting to Rs 41.21 crores against disputed demands, in the books of the Bank along with assets and liabilities of eGTB as valued and determined in terms of the Scheme.

“Not Readily Realizable Assets” as on 31.03.13 is Rs 9.92 crores (Advances Rs 0.84 crores, other Assets Rs 9.08 crores), previous year figures Rs 10.11 Crores (Advances Rs 1.03 crores, other Assets Rs 9.08 crores). The outstanding NRRAs are fully provided for by the Bank. Net Deficit under the scheme of amalgamation as on 31.03.13 is Rs 644.60 crores previous year figures Rs 829.59 Crores

The Bank has decided to maintain memorandum records for ascertaining the ultimate realization against the Not Readily Realizable Assets taken over. In the event of the ultimate realization from the Not Readily Realizable Assets, over and above the value at which they are taken over, exceeding the Excess of liabilities over assets taken over, the surplus after adjustment of expenses, etc. will be distributed to the erstwhile shareholders of eGTB after a period of twelve years or earlier as prescribed under the scheme.

18. Break up of Provisions and contingencies shown under the head expenditure in Profit and Loss Account

(Amount Rs. Crores)


Previous Year

(i) Provisions for depreciation on Investment

-75.65 285.36

(ii) Provision towards NPA 1580.92 1078.70

(iii) Provision made towards Income Tax (including FBT & Deferred Tax)

203.71 278.67

(iv) Other Provisions and Contingencies (with details)

(a) Wealth Tax 4.42 5.53

(b) Non Performing Investments 1.50 2.89

(c) Provisions towards Standard Assets 163.00 158.00

(d) Provision for Wage Revision 100.00 0.00

(e) Others 384.84 189.87

TOTAL 2362.74 1999.02

16- cSad }kjk fd, x, cSadk';ksjsal dkjksckj ds laca/k esa 19-59 djksM+ #- ¼fiNys o"kZ 18-14 dj¨M+ #-½ dh Qhl@ikfjJfed izkIr fd;k x;kA

17- iwoZorhZ Xykscy VªLV cSad fyfeVsM dk vksfj;UVy cSad vkWQ+ dkWelZ esa lekesyu

iwoZorhZ Xykscy VªLV cSad fyfeVsM ¼bZthVhch½ dks vkÆFkd dk;Z foHkkx ¼cSaÇdx izHkkx½] foŸk ea=ky;] Hkkjr ljdkj }kjk *;kstuk*ds :i esa vf/klwfpr lekesyu ;kstuk ds vuqlkj lekesfyr fd;k x;kA bl ;kstuk ds vuqlkj] iwoZorhZ thVhch dk dkjksckj] laifŸk;ka] vkfLr;ka vkSj ns;rk,a fu/kkZfjr frfFk 14 vxLr] 2004 ls cSad dks gLrkarfjr gks xbZ gSaA

cSad us iwoZorhZ Xykscy VªLV cSad dh] mä ;kstuk ds vuqlkj ewY;kafdr vkSj fu/kkZfjr vkfLr;ksa vkSj ns;rkvksa lfgr cSad dh iqLrdksa esa 1285-26 djksM+ #i, ds ldy ^lgt olwyh v;ksX;^ vfxze] muds izfr 821-16 djksM+ #i, dk izko/kku rFkk fooknxzLr ekaxksa ds izfr 41-21 djksM+ #i, ds iznŸk vk;dj dh lgt olwyh v;ksX;^ vkfLr;ka lfEefyr dh gSaA

**fnUkkad 31-03-2013 dks LkgTk OkLkwYkh v¸kksX¸k vkfLRk¸kka** 9-92 djksM+ #- ¼vfXkzEk 0-84 djksM+ #-] vU¸k vkfLRk¸kka 9-08 djksM+ #-½ gSa] fIkNYks Ok"kZ ;s 10-11 djksM+ #- ¼vfXkzEk 1-03 djksM+ #-] vU¸k vkfLRk¸kka 9-08 djksM+ #-½ FkhaA Ckdk¸kk LkgTk OkwLkYkh v¸kksX¸k vkfLRk¸kksa d¢ fYk, CkSad Uks Ikwjk IkzkOk/kkUk fd¸kk gS A LkEkkesyu ¸kksTkUkk d¢ vaRkXkZRk fUkOkYk ?kkVk fnUkkad 31-03-2013 dks 644-60 djksM+ #- gS TkCkfd fIkNYks Ok"kZ ¸kg 829-59 djksM+ #- FkkA

cSad us vf/kXk`ghr lgt olwyh v;ksX; vkfLr;ksa ds izfr vafre olwyh ds vkdyu ds fy, eseksjsaMe fjdkMZ j[kus dk fu.kZ; fy;k gSA lgt olwyh v;ksX; vkfLr;ksa dks ftl ewY; ij vf/kXk`ghr fd;k x;k Fkk mlls vf/kd ewY; ij vafre olwyh gksus dh fLFkfr esa vf/kx`ghr vkfLr;ksa ij ns;rkvksa ds vkf/kD; ls vf/kd gksus ij] O;; bR;kfn ds lek;kstu ds ckn vf/k'ks"k jkf'k dks ckjg o"kks± dh vof/k ds i'Pkkr~ vFkok blls igys] tks bl ;kstuk ds rgr fu/kkZfjr gks] iwoZorhZ thVhch ds iwoZorhZ 'ks;j/kkjdksa esa ckaV fn;k tk,xkA

18- ykHk ,oa gkfu [kkrs esa O;; 'kh"kZ ds rgr fn[kk, x, izko/kkuksa rFkk vkdfLedrkvksa dk fooj.k ¼jkf'k djksM+ #- esa½


(i) fofu/kku ij ewY;gzkl ds fy, izko/kku -75.65 285.36

(ii) ,UkIkh, ds fy, izko/kku 1580.92 1078.70

(iii) vk;dj ds fy, izko/kku ¼,QchVh rFkk vkLFkfxr dj lfgr½

203.71 278.67

(iv) vU; izko/kku o vkdfLedrk,a ¼fooj.k lfgr½

d- /ku dj 4.42 5.53

[k- xSj fu"iknudkjh fofu/kku 1.50 2.89

Xk- LRkjh¸k vkfLRk¸kksa d¢ fYk, IkzkOk/kkUk 163.00 158.00

?k- OksRkUk Lka'kks/kUk d¢ fYk, IkzkOk/kkUk 100.00 0.00

M- vU; 384.84 189.87

tksM+ 2362.74 1999.02

135



19. (A) Customer Complaints

(Amount Rs. Crores)

Current Year

Previous Year

i ) No. of complaints pending at the beginning of the year 327 205

ii) No. of complaints received during the year 12866 13406

iii) No. of complaints redressed during the year 13053 13284

iv) No. of complaints pending at the end of the year 140 327

(B) Awards passed by the Banking Ombudsman

Current Year

Previous Year

i) No. of unimplemented Awards at the beginning of the year

2 0

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

9 9

iii) No. of Awards implemented during the year

11 7

iv) No. of unimplemented Awards at the end of the year

NIL 2

20. Disclosure of Letter of Comforts The Bank issues Letter of Comforts (LOCs) on behalf of

its various constituents against the credit limits sanctioned to them. In the opinion of Management, no significant financial impact and cumulative financial obligations have been assessed under LOCs issued by the Bank in the past, during the current year and still outstanding. Brief details of LOCs issued by the Bank are as follows:

(Rs in crores)

Current Year

Previous Year

1 Letter of comforts outstand-ing as on 01.04.2012 5546 5687

2 Letter of comforts issued during the year 2012-13 9655 16137

3Letter of comforts matured/cancelled during the year 2012-13

5010 16278

4 Letter of comforts outstand-ing as on 31.03.2013 10191 5546

21. Previous year’s figures have been re-grouped/ re-arranged/recast wherever considered necessary.

19- d- xzkgd f'kdk;rsa



i ) o"kZ ds vkjaHk esa cdk;k f'kdk;rksa dh la[;k

327 205

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

12866 13406

iii) o"kZ ds nkSjku fuiVkbZ xbZ f'kdk;rksa dh la[;k

13053 13284

iv) o"kZ ds var esa cdk;k f'kdk;rksa dh la[;k

140 327

[k- cSaÇdx yksdiky }kjk ikfjr fu.kZ;


i) o"kZ ds vkjaHk esa vdk;kZfUor fu.kZ;ksa dh la[;k

2 0

ii) o"kZ ds nkSjku cSaÇdx yksdiky }kjk ikfjr fu.kZ;ksa dh la[;k

9 9

iii) o"kZ ds nkSjku dk;kZfUor fu.kZ;ksa dh la[;k

11 7

iv) o"kZ ds var esa vdk;kZfUor fu.kZ;ksa dh la[;k

'kwU; 2

20- pqdkSrh vk'oklu i= dk izdVu

cSad vius fofHkUUk xzkgdksa dh vksj ls mUgsa Loh—r _.k lhekvksa ds fy, pqdkSrh vk'oklu i= tkjh djrk gSA izcU/k oxZ ds erkuqlkj foxr esa] pkyw o"kZ ds nkSjku cSad }kjk tkjh fd, x, pqdkSrh vk'oklu i=ksa ds varxZr dksbZ egRoiw.kZ foŸkh; izHkko vkSj lap;h foŸkh; nkf;Ro fu/kkZfjr ugha fd, x, gSa vkSj os vHkh Hkh cdk;k gSaA cSad }kjk tkjh fd, x, pqdkSrh vk'oklu i=ksa dk laf{kIr fooj.k fuEukuqlkj gS %



1 01.04.2012 dh fLFkfr ds vuqlkj cdk;k pqdkSrh vk'oklu i=

5546 5687

2 o"kZ 2012&13 ds nkSjku tkjh fd, x, pqdkSrh vk'oklu i=

9655 16137

3 o"kZ 2012&13 ds nkSjku ifjiDo gq,/jÌ fd, x, pqdkSrh vk'oklu i=

5010 16278

4 31.3.2013 dh fLFkfr ds vuqlkj cdk;k pqdkSrh vk'oklu i=

10191 5546

21- fiNys o"kZ ds vkadM+s] tgka Hkh t:jh gSa] iqu% lewfgr@iqu% O;ofLFkr@iqu%lajfpr fd, x, gSaA

136



ys[kkijh{kdksa dh Lora= fji¨VZ

lsok esa] HkkjRk d¢ jk"VªIkfRk vksfj;UVy cSad vkWQ dkWelZ

foÙkh; foojf.k;ä Ikj fji¨VZ

1- geus vksfj;UVy cSad vkWQ dkWelZ ds 31 ekpZ] 2013 dhs layXu foŸkh; foojf.k;ä ftuesa 31 ekpZ] 2012 d¢ rqyui= rFkk blh rkjh[k dks lekIr o"kZ ds ykHk ,oa gkfu ys[ks ,oa udn izokg fooj.k rFkk egRoiw.kZ ys[kkadu uhfr;ä dk lkj ,oa vU; O;k[;kRed tkudkjh 'kkfey gS] dh ys[kkijh{kk dh gSA bu foŸkh; foojf.k;ä esasa gekjs }kjk ys[kkijhf{kr 20 'kk[kkvksa rFkk vU; ys[kkijh{kdksa }kjk ys[kkijhf{kr 976 'kk[kkvksa dks lfEefyr fd;k x;k gSA gekjs }kjk rFkk vU; ys[kkijh{kdksa }kjk ys[kkijhf{kr 'kk[kkvksa dk p;u cSad us Hkkjrh; fjtoZ cSad }kjk cSad dks tkjh fd, Xk, fn'kkfunsZ'kksa ds vuqlkj fd;k gSA lkFk gh] rqyui= vkSj ykHk ,oa gkfu ys[ks esa ,slh 1004 'kk[kkvksa dh foojf.k;ksa dks Hkh lfEefyr fd;k x;k gS ftudh ys[kkijh{kk ugha gksuh FkhA ,slh vys[kkijhf{kr 'kk[kkvksa ds 6-57% vfxze 20-72% tekjkf'k;ka] 4-43% C;kt vk; rFkk 19-22% C;kt O;; gSA

foÙkh; foojf.k;ä d¢ fy, izcU/k oxZ dh ftEesnkjh

2- cSaddkjh fofu;eu vf/kfu;e, 1949 d¢ vuqlkj bu foŸkh; fooj.kä d¨ rS;kj djus dh ftEesnkjh Áca/ku oxZ dh gSA bl ftEesnkjh esa foŸkh; fooj.kä] t¨ feF;kdFku pkgs og /k¨[kk/kM+h d¢ dkj.k g¨ xyrh d¢ dkj.k] ls eqä gS] dks RkS¸kkj djUks Lks LkaCkaf/kRk fMtk;u Ok vkarfjd fu;a«k.k d¨ ykxw djuk rFkk j[k&j[kko djuk 'kkfEkYk gSA

ys[kkijh{kdä dh ftEesnkjh

3- gekjh ftEesnkjh gekjs }kjk dh xbZ ys[kkijh{kk ds vk/kkj ij vius vfHker izdV djuk gSA geus Òkjrh; lunh ys[kkdkj laLFkku }kjk tkjh ys[kkijh{kk ekudä d¢ vuqlkj vIkUkh ys[kkijh{kk dhA bu ekudä esa vis{kk dh xbZ gS fd ge uhfrxr vis{kkvä ,oa ;¨tuk dk ikyu djsa rFkk ¸kg LkqfUkf'PkRk djUks d¢ fYk, fd foŸkh; foojf.k;ka Ò©frd feF;kdFku ls eqä gSa ;k ugha] ys[kkijh{kk djsaA

4- Yks[kkIkjh{kk Eksa fOkRRkh¸k fOkOkjf.k¸kksa Eksa jkf'k vkSj IkzdVhdj.k d¢ Ckkjs Eksa Yks[kkIkjh{kk Lkk{¸k IkzkIRk djUks LkaCka/kh fUk"IkknUk IkzfØ¸kk 'kkfEkYk gSA PkqUkh XkbZ IkzfØ¸kk Yks[kkIkjh{kd d¢ fUk.kZ¸k Ikj fUkHkZj djRkh gS] fTkUkEksa fOkRRkh¸k fOkOkfj.k¸kksa Eksa HkkSfRkd fUk"IkknUk] Pkkgs Okg /kks[kk/kM+h d¢ dkj.k gks ¸kk fdLkh XkYkRkh d¢] Lks TkqM+s Tkksf[kEkksa dk vkdYkUk 'kkfEkYk gSA bLk Tkksf[kEk vkdYkUk d¢ fYk, Yks[kkIkjh{kd IkfjfLFkfRk¸kksa d¢ vUkqLkkj mIk¸kqDRk Yks[kkIkjh{kk Ik)fRk¸kksa dks fMTkkbUk djUks d¢ fYk,] CkSad }kjk fOkRRkh¸k fOkOkjf.k¸kka RkS¸kkj djUks RkFkk mUkd¢ fUk"Ik{k IkzLRkqRkhdj.k Lks LkaCkaf/kRk vkaRkfjd fUk¸ka«k.k Ikj fOkPkkj djUkk gSA Yks[kkIkjh{kk Eksa IkzCka/kdRkkZ }kjk Ikz¸kqDRk dh Xkb± Yks[kkadUk UkhfRk¸kksa dh mIk¸kqDRkRkk RkFkk Yks[kkadUk IkzkDdYkUkksa dh RkdZLkaXkRkRkk d¢ LkkFk&LkkFk fOkRRkh¸k fOkOkjf.k¸kksa dk LkEkXkz IkzLRkqRkhdj.k dk EkwY¸kkadUk Hkh 'kkfEkYk gksRkk gSA

5- ge fo'Okkl djrs gSa fd gekjs ys[kkijh{kk vfÒer dks vk/kkj IkznkUk djUks d¢ fy, gekjs }kjk ÁkIr fd;k x;k ys[kkijh{kk Áek.k Ik;kZIr v©j mi;qä gSA

INDEPENDENT AUDITORS' REPORT

ToThe President of India,Oriental Bank of Commerce

Report on the Financial Statements1. We have audited the accompanying financial statements

of the Oriental Bank of Commerce as at 31st March, 2013, which comprise the Balance Sheet as at 31st March, 2013 and Profit and Loss account and the Cash Flow Statement for the year then ended and a summary of the significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 20 branches audited by us and 976 branches audited by branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Statement of Profit and Loss are the returns from 1004 branches which have not been subjected to audit. These unaudited branches account for 6.57% of advances, 20.72% of deposits, 4.43% of interest income and 19.22% of interest expenses.

Management's Responsibility for the Financial Statements2. Management is responsible for the preparation of these

financial statements in accordance with the Banking Regulation Act, 1949. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement whether due to fraud or error.

Auditors' Responsibility3. Our responsibility is to express an opinion on these

financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditors' judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those assessments, the auditor considers interal control relevant to the bank's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluting the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

137



Basis for Qualified Opinion6. We draw attention to note no. 15(d) of Schedule – 18

wherein the plan assets of the pension and gratuity fund includes an amount of Rs. 251.48 crore and Rs. 64.20 crore respectively invested by the trust in the Bank's own Bonds / Deposits which is not in accordance with Accounting Standard – 15* Employee's Benefits* issued by the Institute of Chartered Accountant of India.

Emphasis of Matter7. Without qualifying our opinion, we draw attention to :-

(i) Note no. 15(d) of schedule 18 regarding deferment of pension liability to the extent of Rs. 341.80 crores (previous year Rs. 512.70 Crores) pursuant to exemption granted by the Reserve Bank of India to the public sector banks from application of the provisions of Accounting Standards (AS) 15, "Employee Benefits" vide its circular no. DBOD. BP.BC/80/21.04.018/2010-11 dated 09.02.2011 on Re-opening of Pension Option to Employees of Public Sector Banks and Enhancement in Gratuity Limits – Prudential Regulatory Treatment.

Opinion8. In our opinion, as shown by books of bank, and to the best

of our information and according to the explanations given to us(i) the Balance Sheet, read with the notes thereon

is a full and fair Balance Sheet containing all the necessary particulars is property drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March, 2013, in conformity with accounting principles generally accepted in India;

(ii) the Profit and Loss Account, read with the notes thereon shows a true balance of profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and

(iii) the Cash Flow Statement gives a true and fair view of the cash flows for the year ended on the date.

Report on Other Legal and Regulatory Requirements9. The Balance Sheet and the Profit and Loss Account have

been drawn up in Forms "A" and "B" respectively of the Third Schedule to the Banking Regulation Act, 1949.

10. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertaking) Act, 1980, and subject also to the limitations of disclosure require therein, we report that:-(i) We have obtained all the information and

explanations which to the best of our knowledge and belief, were necessary for the purpose of audit and have found them to be satisfactory.

(ii) The transactions of the Bank, which have come to our notice have been within the powers of the Bank.

(iii) The returns received from the offices and branches of the Bank have been found adequate for the purpose of our audit.

LkkIks{k vfÒer dk vk/kkj

6- ge vuqlwph 18 dh fVIi.kh la- 15 ¼?k½ dh v¨j /;ku fnykrs gSa ftlesa Iksa'kUk ,Oka XkzsP¸kqVh fUkf/k dh ¸kksTkUkk vkfLRk¸kksa Eksa] CkSad d¢ vIkUks CkkW.Mksa@TkEkkjkf'k¸kksa Eksa VªLV }kjk fUkOks'k dh XkbZ ØEk'k% 251-48 djksM+ #- vkSj 64-20 djksM+ #- dh jkf'k 'kkfEkYk gSa Tkks HkkjRkh¸k LkUknh Yks[kkdkj LkaLFkkUk }kjk Tkkjh Yks[kkadUk EkkUkd & 15 **dEkZPkkjh dk YkkHk** d¢ vUkq:Ik Ukgha gS A

fo'ks"k /¸kkUk nh TkkUks OkkYkh CkkRksa

7- vIkUks EkRk dks O¸kDRk fd, fCkUkk gEk fUkEUkfYkf[kRk dh vksj /¸kkUk fnYkkRks gSa%&

d- HkkjRkh¸k fjTkOkZ CkSad }kjk Lkjdkjh {ks«k d¢ CkSadksa dks] Lkjdkjh {ks«k d¢ CkSadksa d¢ dEkZPkkfj¸kksa d¢ fYk, IkqUk% Iksa'kUk fOkdYIk [kksTkUks RkFkk XkzsP¸kqVh LkhEkkvksa Eksa Okf) fOkOksdIkw.kZ dkjZOkkbZ d¢ fOk"k¸k Eksa vIkUks IkfjIk«k Lka[¸kk MhCkhvksMh-CkhIkh-CkhLkh@80@21-04-018@ 2010&11] fnUkkad 09-02-2011 }kjk Yks[kkadUk EkkUkd ¼,,Lk) 15] **dEkZPkkjh YkkHk** d¢ IkzkOk/kkUk YkkXkw djUks Lks nh XkbZ NwV d¢ vUkqLkj.k Eksa 341-80 djksM+ #- ¼XkRk Ok"kZ 512-70 djksM+½ dh Iksa'kUk ns¸kRkk d¢ vkLFkXkUk Lks LkaCkaf/kRk vUkqLkwPkh 18 dh fVIIk.kh Lka 15 ¼M-) & fOkOksdIkw.kZ fUk¸kkEkd dk¸kZOkkghA

vfÒer

8- gekjs vfHker Eksa] cSad dh ys[kk iqLrdksa esa fn[kk, vuqlkj] rFkk gekjh loksZŸke tkudkjh ,oa gesa fn, x, Li"Vhdj.k ds vuqlkj: d- ys[kk fVIif.k;ksa ds lkFk ifBr rqyui= ,d iw.kZ ,oa lgh

rqyu i= gS ftlesa vko';d fooj.k fn, x, gSa rFkk bl izdkj ls rS;kj fd;k x;k gS rkfd 31 ekpZ] 2013 rd ds cSad ds dk;ks± dk lgh&lgh fp=.k Hkkjr esa lkekU;r;k ekU; ys[kkadu fl)karksa ds vuq:i izLrqr fd;k tk ldsA

[k- ys[kk fVIif.k;ksa ds lkFk ifBr ykHk ,oa gkfu ys[kk] dOkMZ o"kZ ds ykHk ds okLrfod 'ks"k dks Hkkjr esa lkekU;r;k ekU; ys[kkadu fl)karksa ds vuq:i n'kkZrk gS( rFkk

x- udn izokg fooj.kh bl frfFk dks lekIr o"kZ ds udn izokg dk lgh ,oa lR; fp= n'kkZrh gSA

vU; fof/kd ,oa fu;ked vis{kkvksa dh fjiksVZ

9- rqyu&i= vkSj ykHk ,oa gkfu ys[kk cSaddkjh fofu;eu vf/kfu;e] 1949 dh r`rh; vuqlwph esa fn, x, Øe'k% QkesZV d* vkSj [k* esa rS;kj fd, x, gSaA

10- mä iSjkxzkQ 1 ls 5 esa mfYyf[kr ys[kkijh{kk dh lhekvksa ds rgr RkFkk cSaddkjh dEiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e] 1980 }kjk ;Fkkisf{kr vkSj blesa visf{kr izdVhdj.k dh lhekvksa ds v/;/khu ge vkxs fjiksVZ djrs gSa fd%

d- geus viuh loksZŸke tkudkjh vkSj fo'okl ds vuqlkj os lHkh tkudkfj;ka vkSj Li"Vhdj.k izkIr dj fy, gSa tks ys[kkijh{kk ds fy, vko';d Fks vkSj geus mUgsa larks"ktud ik;k gSA

[k- cSad ds tks dkjksckj gekjh tkudkjh esa vk, gSa, os cSad ds vf/kdkj {ks= ds varxZr gSA

x- cSad ds dk;kZy;ksa vkSj 'kk[kkvksa ls izkIr foojf.k;ksa dks gekjh ys[kkijh{kk ds iz;kstukFkZ leqfpr ik;k x;k gSA

138



11. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.

For Agiwal & Associates For B. Purushottam & Co.Chartered Accountants Chartered AccountantsFRN 000181-N FRN 002808-S

(P.C. AGIWAL) (B.S. PURSHOTHAM) Partner PartnerM.No. 080475 M.No. 026785

For Jain Kapila Associates For P.L. Tandon & Co.Chartered Accountants Chartered AccountantsFRN 000287-N FRN 00186-C

(D.K. KAPILA) (ANIL K. AGRAWAL)Partner PartnerM.No. 016905 M.No. 071548 For Shah & Taparia For Bansal R. Kumar & Associates Chartered Accountants Chartered AccountantsFRN 109463-W FRN 008186-N

(NAND LAL SHAH) (R. K. GUPTA)Partner PartnerM.No. 006936 M.No. 086851

11- gekjs vfHker ds vuqlkj RkqYkUkIk«k] YkkHk vkSj gkfUk Yks[kk RkFkk Ukdnh IkzOkkg fOkOkj.k YkkXkw Yks[kkadUk EkkUkdksa d¢ vUkqLkkj gS%

—rs vkxhoky ,aM ,l¨fl,V~l lunh ys[kkdkjQeZ iathdj.k la- 000181&,u

¼ih-lh- vkxhoky½Hkkxhnkjl-la- 080475

—rs ch- iq:"k¨Ùke ,aM daiuhlunh ys[kkdkjQeZ iathdj.k la- 002808&,l

¼ch-,l- iq:"k¨Ùke½Hkkxhnkjl-la- 026785

—rs TkSUk dfIkYkk ,LkksfLk,V~Lklunh ys[kkdkjQeZ iathdj.k la- 000287&,Uk

¼Mh- d¢- dfIkYkk½Hkkxhnkjl-la- 016905

—rs Ikh-,Yk- VaMUk ,aM daiuhlunh ys[kkdkjQeZ iathdj.k la- 00186&Lkh

¼vfUkYk d¢- vXkzOkkYk½Hkkxhnkjl-la- 071548

—Rks 'kkg ,.M rkIkfM+¸kkLkUknh Yks[kkdkjQEkZ IkaTkhdj.k Lka- 109463&MCY;w

¼UkUnYkkYk 'kkg½HkkXkhnkjLk-Lka- 006936

—rs CkaLkYk vkj- dqEkkj ,.M ,LkksfLk,V~Lklunh ys[kkdkjQeZ iathdj.k la- 008186&,Uk

¼vkj-d¢- XkqIRkk½Hkkxhnkjl-la- 086851

139



vksfj;UVy cSad vkWQ dkWelZORIENTAL BANK OF COMMERCE

31 ekpZ] 2013 dks lekIr o"kZ gsrq udnh izokg fooj.k

CASH FLOW STATEMENT FOR THE YEAR ENDED 31st MARCH 2013


31-03-2013 31-03-2012

d½ ifjpkyuijd dk;Zdykiksa ls udnh izokgA. Cash flow from operating activities I dj i'pkr~ fuoy ykHk

I Net Profit after Tax 1327,94,73 1141,56,35 dj gsrq izko/kku ¼vkLFkfxr dj dks ?kVkdj½

Provision for Tax (Net of deferred Tax) 203,71,30 396,67,36 dqy@Total (I) 1531,66,03 1538,23,71 II lek;kstu %

II Adjustment for vpy vkfLr;ksa ij ewY;gzkl ¼iquewZY;kadu vkjf{kr fuf/k ?kVkdj½

Depreciation on Fixed Assets (Net of Revaluation Reserve) 123,13,05 104,21,92 Lrjh; vkfLr;ksa ds izfr izko/kku

Provision against Standard Assets 163,00,00 158,00,00 ,uih, vfxzeksa gsrq izko/kku

Provision for NPA advances 1580,92,34 1078,70,23 vU; izko/kku

Other Provision 415,10,69 483,64,09 xkS.k _.kksa ij C;kt

Interest on Subordinate Debts 308,86,54 277,82,59 O;;ksa dk ifj'kks/ku

Amortisation of Expenses 0 0 vpy vkfLr;ksa dh fcØh ij ykHk@gkfu

Profit/Loss on Sale of Fixed Assets -2133,01 -283,31 dqy@Total (II) 2569,69,61 2099,55,52 ifjpkyuijd vkfLr;ksa o ns;rkvksa esa ifjorZu ls iwoZ ifjpkyuijd ykHk dqy (I)+(II) Operating Profit before changes in Operating Assets & Liabilities Total (I)+(II) 4101,35,64 3637,79,23 III ifjpkyuijd vkfLr;ksa o ns;rkvksa esa ifjorZu III Changes in Operating Assets & Liabilities fofu/kku esa deh@o`f)

Decrease/Increase in Investments -6453,32,96 -2841,26,92 vfxze esa deh@o`f)

Decrease/Increase in Advances -18558,29,62 -17148,17,55 tek esa deh@o`f)

Decrease/Increase in Deposits 19932,60,20 16910,66,55 m/kkjksa esa deh@o`f)

Decrease/Increase in Borrowings 1395,27,92 -380,16,14 vU; vkfLr;ksa esa deh@o`f)

Decrease/Increase in Other Assets 221,36,09 -429,48,39

140



vU; ns;rkvksa o izko/kku esa deh@o`f)

Decrease/Increase in Other Liabilities & Provisions -647,56,13 -876,27,58 dqy@Total (III) -4109,94,51 -4764,70,03 ifjpkyuksa ls l`ftr udnh Cash generated from Operations iznÙk dj ¼okilh dks ?kVkdj½

Tax Paid (Net of Refund) -487,56,94 -981,18,36 ifjpkyuijd dk;Zdykiksa ls fuoy udnh dqy ¼d½ Net Cash from Operating Activities Total (A) -496,15,81 -2108,09,16[k- fuos'kijd dk;Zdykiksa ls udnh izokgB. Cash flow from Investing Activities vpy vkfLr;ksa dh [kjhn ¼fcØh dks ?kVkdj½

Purchase of Fixed Assets (Net of Sales) -89,42,66 -152,56,44 dqy ¼[k½@Total (B) -89,42,66 -152,56,44x- foÙkiks"k.k dk;Zdykiksa ls udnh izokgC. Cash flow from Financing Activities 'ks;j iwath tkjh djuk

Issue of Share Capital 0 0 'ks;j izhfe;e

Share Premium 0 0 tkjh fd, x, xkS.k ckW.M

Subordinate Bonds issued 1025,00,00 0 xkS.k ckW.Mks ij iznÙk C;kt

Interest paid on Subordinate Bonds -308,86,54 -277,82,59 ykHkka'k@ykHkka'k ij dkjiksjsV dj dk Hkqxrku

Payment of Dividend/Corporate Tax on Dividend -267,88,28 -352,65,58 dqy ¼x½@Total (C) 448,25,18 -630,48,17?k- udnh ,oa udnh lerqY; esa fuoy ifjorZu ¼d$¼[k$x½D. Net Changes in Cash & Cash Equivalents (A+B+C) -137,33,28 -2891,13,77 o"kZ ds izkjaHk esa udnh ,oa udnh lerqY; Cash & Cash Equivalents at the beginning of the year 8726,95,15 11618,08,92 o"kZ ds lekfIr esa udnh ,oa udnh lerqY; Cash & Cash Equivalents at the end of the year 8589,61,87 8726,95,15

fVIi.kh %1- lHkh _.kkRed ¼&½ vkadM+s] vpy vkfLr;ksa dh fcØh ls gq, ykHk dks NksM+dj] ftls ifjpkyuijd vkfLr;ksa ,oa ns;rkvksa esa ifjorZu ls igys ifjpkyuijd

ykHk fudkyus ds fy, fglkc esa fy;k x;k gS] ^^udnh ckg~; izokg** dks n'kkZrs gSaA

2- Hkqxrku fd, x, izR;{k djksa dks ifjpkyuijd dk;Zdykiksa ls lftr ekuk x;k gS vkSj bUgsa fuos'k vkSj foÙkiks"k.k dk;Zdykiksa esa foHkkftr ugha fd;k x;k gSA

Note :1. All Figures in minus represents 'Cash out-flow', expect profit on sale of fixed assets, considered to arrived at operating profit before changes in operating assets and liabilities.2. Direct taxes paid are treated as arising from Operating activities and are not bifurcated between investing & financing activities.

lqHkk"k egktu lh-,e- [kqjkuk HkwfiUnj uS¸;j oh- d..ku ,l-,y- caly Subash Mahajan C.M. Khurana Bhupinder Nayyar V. Kannan S.L. Bansal mi egkizca/kd ¼ys[kk½ eq[; egkizca/kd dk;Zdkjh funs'kd dk;Zdkjh funs'kd v/;{k ,oa izca/k funs'kd Dy. General Manager (Accounts) ,oa eq[; foÙkh; vf/kdkjh Executive Director Executive Director Chairman & Managing Director Chief General Manager & CFO

141



ys[kkijh{kdksa dk izek.ki=geus vksfj;UVy cSad vkWQ dkWelZ] xqM+xkao ds 31 ekpZ] 2013 dks lekIr o"kZ ds fy, mi;qZDr udnh izokg fooj.k dh tkap dh gSA mDr fooj.k cSad }kjk LVkWd ,Dlpsatksa esa lwphc) djkj ds [k.M 32 dh vis{kkvksa ds vuqlkj rS;kj fd;k x;k gS vkSj gekjh 02 ebZ] 2013 dh fjiksVZ ds lkFk izLrqr cSad ds rnuq#ih ykHk ,oa gkfu ys[kk vkSj rqyui= ij vk/kkfjr gS vkSj blds vuq:i gSA

—rs vkxhoky ,aM ,l¨fl,V~l lunh ys[kkdkjQeZ iathdj.k la- 000181&,u

¼ih-lh- vkxhoky½Hkkxhnkjl-la- 080475

—rs ch- iq:"k¨Ùke ,aM daiuhlunh ys[kkdkjQeZ iathdj.k la- 002808&,l

¼ch-,l- iq:"k¨Ùke½Hkkxhnkjl-la- 026785

—rs TkSUk dfIkYkk ,LkksfLk,V~Lklunh ys[kkdkjQeZ iathdj.k la- 000287&,Uk

¼Mh- d¢- dfIkYkk½Hkkxhnkjl-la- 016905

—rs Ikh-,Yk- VaMUk ,aM daiuhlunh ys[kkdkjQeZ iathdj.k la- 00186&Lkh

¼vfUkYk d¢- vXkzOkkYk½Hkkxhnkjl-la- 071548

—Rks 'kkg ,.M rkIkfM+¸kkLkUknh Yks[kkdkjQEkZ IkaTkhdj.k Lka- 109463&MCY;w

¼UkUnYkkYk 'kkg½HkkXkhnkjLk-Lka- 006936

—rs CkaLkYk vkj- dqEkkj ,.M ,LkksfLk,V~Lklunh ys[kkdkjQeZ iathdj.k la- 008186&,Uk

¼vkj-d¢- XkqIRkk½Hkkxhnkjl-la- 086851

AUDITORS' CERTIFICATEWe have examined the above Cash-flow Statement of the Oriental Bank of Commerce, Gurgaon for the year ended 31st March, 2013. The Statement has been prepared by the Bank in accordance with the requirements of listing agreement clause 32 with stock exchanges & is based on and is in agreement with the corresponding profit & Loss Account and Balance Sheet of the Bank covered by our report dated 2nd May, 2013.

For Agiwal & Associates For B. Purushottam & Co.Chartered Accountants Chartered AccountantsFRN 000181-N FRN 002808-S

(P.C. AGIWAL) (B.S. PURSHOTHAM) Partner PartnerM.No. 080475 M.No. 026785

For Jain Kapila Associates For P.L. Tandon & Co.Chartered Accountants Chartered AccountantsFRN 000287-N FRN 00186-C

(D.K. KAPILA) (ANIL K. AGRAWAL)Partner PartnerM.No. 016905 M.No. 071548 For Shah & Taparia For Bansal R. Kumar & Associates Chartered Accountants Chartered AccountantsFRN 109463-W FRN 008186-N

(NAND LAL SHAH) (R. K. GUPTA)Partner PartnerM.No. 006936 M.No. 086851

142



143



bZ&tek vf/kns'k QkWeZE-CREDIT MANDATE FORM

,ubZlh,l ¼jk"Vªh; bysDVªksfud lek'kks/ku lsok½ ds ek/;e ls ykHkka'k izkIr djukTo receive dividend through NECS (National Electronic Clearing Service)

1- fuos'kd@xzkgd dk uke@Investor/Customer's Name

2- 'ks;jksa dh Qksfy;ksa la-@Folio in Which shares held3- cSad [kkrs dk fooj.k@Particulars of Bank Account A. cSad dk uke@Bank Name : B. 'kk[kk dk uke@Branch Name : C. cSad }kjk tkjh ekbdj psd ij mfYyf[kr cSad rFkk 'kk[kk dh 9 vadksa dh dksM la- 9 Digit Code Number of the Bank and branch appearing on the MICR cheque issued by the bank

D. [kkrs dk izdkj ¼dksM½@Account Type (Code) cpr cSad [kkrk pkyw [kkrk udn m/kkj [kkrk ¼Ñi;k lgh dk fu'kku yxk,a½@(Please Tick) SB A/C Current Account Cash Credit Account

E. cSad yStj la-@Bank Ledger No.

F. [kkrk la- ¼tks psd cqd esa nh xbZ gS½@Account Number (As appearing on the Cheque Book)

izHkkoh gksus dh rkjh[k

eSa ,rn~}kjk ?kks"k.kk djrk ¼rh½ gwa fd Åij fn, x, fooj.k lgh rFkk iw.kZ gSa] ;fn viw.kZ vFkok xyr lwpuk ds dkj.k ysunsu esa nsjh gksrh gS vFkok ysunsu ugha gks ikrk] rks eSa blds fy, iz;ksDrk laLFkk dks mÙkjnk;h ugha BgjkÅaxk ¼xh½A eSa bl ;kstuk ds varxZr lgHkkxh gksus dk viuk mÙkjnkf;Ro fuHkkus ds fy, lger gwaA

Date of EffectI, hereby declare that the particulars given below are correct and complete, if the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I would not hold the user institution responsible. I agree to discharge my respon-sibility as participant under the scheme.

uksV % Ñi;k lHkh dkWye HkjsaA viw.kZ QkWeksa ij fopkj ugha fd;k tk,xkANote : Kindly fill all columns. Incomplete forms shall not be entertained.

;fn vkids ikl bysDVªkfud :i esa 'ks;j gSa rks Ñi;k cSad laca/kh fooj.k lh/ks vius fMikWftVjh dks nsaA In case you hold shares in electronic form, kindly give the Bank details directly to your Depository.

fnukad@Date :

fuos'kd@xzkgd ds gLrk{kj@Signature of the Investor/Customer

fuos'kd@xzkgd ds cSad dk izek.k i= *@Certificate of the Investor/Customer's Bank*izekf.kr fd;k tkrk gS fd Åij fn;k x;k fooj.k gekjs fjdkMZ ds vuqlkj lgh gSA@Certified that the particulars furnished above are correct as per our records.

cSad dh eksgj@Bank's Stamp :

fnukad@Date :

cSad ds izkf/kÑr vf/kdkjh ds gLrk{kj@Signature of the Authorised Official from the Bank

*¼uksV % mijksDrkuqlkj izkIr fd, tkus okys cSad izek.ki= ds LFkku ij] xzkgd@fuos'kd dksjk ^jn~n** fd;k gqvk psd vFkok mldh QksVks izfr laYkXu dj ldrs gSaA*(Note: In lieu of the bank certificate to be obtained above, customers/investors can attach a blank 'cancelled' cheque or photocopy thereof)

144



145



146





ORIENTAL BANK OF COMMERCEHead Office : Harsha Bhawan, E-Block, Connaught Place, New Delhi – 110001

Corporate Office: Plot No.5, Sector-32, Institutional Area, Gurgaon – 122001

ATTENDANCE SLIP-CUM-ENTRY PASS FOR ANNUAL GENERAL MEETING

Date : 17TH June, 2013, Time : 10.00 A.M.Place : PHD Chamber of Commerce and Industry, PHD House, 4/2, Siri Institutional Area, August Kranti Marg, New Delhi - 110016

ATTENDANCE SLIP(To be surrendered at the time of entry)

NAME IN BLOCK LETTERS(Member/Proxy) FOLIO/DPID/CLIENT ID NO. No. of Shares

-------------------------------------------------------------------------Signature of Shareholder/Proxy/Representative present

------------------------------------------------------------------------------------------------------------------------------------------------------------------------ENTRY PASS

NAME IN BLOCK LETTERS(Member/Proxy) FOLIO/DPID/CLIENT ID NO. No. of Shares

Shareholders/Proxy holders/Representatives are requested to produce this Attendance-slip-cum-Entry pass duly signed, for admission to the meeting hall. The Entry pass portion will be handed back to the shareholders/Proxy holders/Representatives, who should retain it till the conclusion of the meeting. The admission may, however, be subject to further verification/checks, as may be deemed necessary. Under no circumstances, will any duplicate Attendance slip-cum-Entry pass be issued at the entrance to the meeting hall.

P.S.: No gifts/gift coupons will be distributed at the meeting. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ORIENTAL BANK OF COMMERCECorporate Office: Plot No.5, Sector-32, Institutional Area, Gurgaon – 122001

FORM ‘B’ FORM OF PROXY (To be filled in and signed by the shareholder) I/We, ______________________________________________________________________________________ Resident of _____________________________________________ in the district of _________________________________________ in the State of ____________________________________________ being a shareholder/s of ORIENTAL BANK OF COMMERCE, hereby appoint Shri/Smt. ________________________________________________________________________________ resident of ___________________________________________________________________________________________ in the district of _______________________________________ in the State of _____________________________________ or failing him/her, Shri/Smt.__________________________________ resident of ____________________________________ in the district of ______________________________ in the State of ____________________________ as my/our proxy to vote for me/us on my/our behalf at the ANNUAL GENERAL MEETING of the shareholders of the Bank to be held on 17th June 2013, at PHD Chamber of Commerce and Industry, PHD House, 4/2, Siri Institutional Area, August Kranti Marg, New Delhi and at any adjournment thereof.Signed this _______________ day of ___________________ 2013.

Signature of the Proxy

Signature of the first holder/sole holder Name : _________________________ Address: _________________________ _________________________________

Please affix Rupee 1 revenue

stamp

Regd. Folio No. ………….....................…

(If not Dematerialised)DPID No……………...............…………….Client ID No…………………...............……(If Dematerialised)

147



148



GREEN INITIATIVE APPEAL TO THE SHAREHOLDERS

The shareholders holding shares in demat form are requested to register their email id with their Depository. Shareholders holding shares in physical form are requested to send their consent to our Registrar and Transfer Agent, MCS Ltd on the following format. MCS Ltd Date------------------------------F-65, Ist Floor,Okhla Industrial AreaPhase-I, New Delhi-20.

I / We ___________________________ holding _____________________ shares of the Bank in physical form intend to receive all communications including notices, annual reports through our email id given hereunder:

Folio No.____________ Email id__________

________________________________Signature of first holder

'ks¸kj/kkjdksa Lks ^gfjRk UkOkksUEks"k* vIkhYk

vewrZ ¼fMEkSV½@:Ik Eksa 'ks¸kj j[kUks OkkYks 'ks¸kj/kkjdksa Lks vUkqjks/k gS fd Oks vIkUkh bZEksYk vkbZMh vIkUks fMIkkWfTkVjh ds ikl jftLVj djOkk,aA EkwRkZ :Ik Eksa 'ks¸kj j[kUks OkkYks 'ks¸kj/kkjdksa Lks vUkqjks/k gS fd gEkkjs jfTkLVªkj Ok vaRkj.k ,TksaV] ,Ek-Lkh-,Lk- fYk- dks fUkEUkfYkf[kRk QkEksZV Ikj vIkUkh LkgEkfRk HksTksa %&

,EkLkh,Lk fYk- Rkkjh[k % --------------------------------------,Q &65] IkzFkEk EkafTkYk]vks[kYkk baMLVªh¸kYk ,fj¸kkQsTk&1] UkbZ fnYYkh&20

Eksjs@gEkkjs ------------------------------------------------------------------- IkkLk CkSad d¢ --------------------------------------------------'ks¸kj EkwRkZ :Ik Eksa gSa vkSj pkgrs gSa fd EkqÖks@gEksa UkksfVLk] Okkf"kZd fjIkksVZ LkfgRk LkHkh Ik«k UkhPks nh XkbZ gEkkjh bZEksYk vkbZMh Ikj HksTks Tkk,aA

QksfYk¸kks Uka- ----------------------- bZEksYk vkbZMh ---------------------------

---------------------------------------------izFke /kkjd d¢ gLRkk{kj

v/;{k dk lans'k v;k dk lans'k - oriental bank of · pdf file1 oriental bank of...

Documents