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  • 1

    ANNUAL REPORT 2014-15

  • 2

    ANNUAL REPORT 2014-15

    Shri C VR RajendranChairman and Managing Director

    ªú ¬¸ú ¨¸ú‚¸£ £¸]¸½›Í›¸‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ

    Shri Anandrao Vishnu Patil Govt. of India Nominee Director

    Shri S K KalraExecutive Director

    ªú ‡¬¸ ˆ½Å ˆÅ¸¥¸£¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ

    Shri A KrishnakumarDirector

    श्री ए कृष्णकुमार ¢›¸™½©¸ˆÅ

    Shri Amit GoelDirector

    ªú ‚¢Ÿ¸÷¸ Š¸¸½¡¸¥¸¢›¸™½©¸ˆÅ

    Shri Ajit Kumar RathExecutive Director

    ªú ‚]¸ú÷¸ ˆºÅŸ¸¸£ £˜¸ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ

    ªú ‚¸›¸›™£¸¨¸ ¢¨¸«µ¸º œ¸¸¢’¥¸ ž¸¸£÷¸ ¬¸£ˆÅ¸£ ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ

    Shri E E KarthakRBI Nominee Director

    ªú ƒÄ ƒÄ ˆÅ¸÷¸ÄˆÅž¸¸ ¢£ ¤¸ÿ ›¸¸¢Ÿ¸÷¸ú ¢›¸™½©¸ˆÅ

    Shri G SivakumarDirector

    श्री जरी शिवकुमार¢›¸™½©¸ˆÅ

    Shri K ThamaraiselvanDirector

    ªú ˆ½Å ÷¸¸Ÿ¸£¾¬¸½¥¸¨¸›¸¢›¸™½©¸ˆÅ

    Dr. Naina SharmaDirector

    ”¸Á ›¸¾›¸¸ ©¸Ÿ¸¸Ä¢›¸™½©¸ˆÅ

    Board of Directors¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸

    (A Govt. of India Undertaking)

  • 3

    ANNUAL REPORT 2014-15

    ¨¸¸¢«¸ÄˆÅ ¢£œ¸¸½’Ä ˆÅú ¢¨¸«¸¡¸¨¸¬÷¸º / CONTENTS OF ANNUAL REPORT

    • ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸›š¸ ¢›¸™½©¸ˆÅ ¬¸½ / From the Chairman & Managing Director ..........................................................................................2• ¨¸¸¢«¸ÄˆÅ ¬¸¸š¸¸£µ¸ ¤¸¾“ˆÅ ˆÅú ¬¸»\¸›¸¸ / Notice of Annual General Meeting .................................................................................................6• ¢›¸™½©¸ˆÅ¸½¿ ˆÅú ¢£œ¸¸½’Ä/œÏ¤¸›š¸›¸ ¢¨¸\¸¸£ ¢¨¸Ÿ¸©¸Ä ‡¨¸¿ ¢¨¸©¥¸½«¸µ¸

    Directors’ Report / Management Discussion and Analysis .....................................................................................................20

    • ¤¸½¬¸¥¸ III ˆ½Å ¢œ¸¥¸£ II ˆ½Å ‚¿÷¸Š¸Ä÷¸ œÏˆÅ’úˆÅ£µ¸ (›¸¡¸¸ œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ œÏ½€Ÿ¸¨¸ˆÄÅ)Disclosures Under Pillar-III of Basel-II (New Capital Adequacy Framework) ............................................................................64

    • ˆÅ¸œ¸¸½Ä£½’ Š¸¨¸›¸½ô¬¸ ¢£œ¸¸½’Ä / Corporate Governance Report .............................................................................................................126• ÷¸º¥¸›¸ œ¸°¸ / Balance Sheet .................................................................................................................................................200• ¥¸¸ž¸ ¨¸ í¸¢›¸ ¥¸½‰¸¸ / Profit and Loss Account ...........................................................................................................................201• Ÿ¸í÷¨¸œ¸»µ¸Ä ¥¸½‰¸¸ ›¸ú¢÷¸¡¸¸¿ / Significant Accounting Policies ...........................................................................................................212• ¥¸½‰¸¸½¿ œ¸£ ¢’œœ¸¢µ¸¡¸¸¿ / Notes on Accounts ................................................................................................................................224• ›¸ˆÅ™ú œÏ¨¸¸í ¢¨¸¨¸£µ¸ / Cash Flow Statement ...........................................................................................................................262• ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸½¿ ˆÅú ¢£œ¸¸½’Ä / Auditors’ Report ..............................................................................................................................264

    • ퟸ¸£ú œÏŠ¸¢÷¸ ‡ˆÅ ›¸{¸£ Ÿ¸Ê½¿ / Our Progress at a glance ...............................................................................................................266• œÏŸ¸º‰¸ ˆÅ¸¡¸Ä-¢›¸«œ¸¸™›¸ ‚›¸ºœ¸¸÷¸ / Key Performance Ratios ............................................................................................................268• ¢¨¸™½©¸ú Ÿ¸ºÍ¸ Ÿ¸½¿ ¬¸¿¢®¸œ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸

    Abridged Financial Statements in Foreign Currency ..........................................................................................................270

    • ©¸¸‰¸¸‚¸½¿ ˆÅ¸ ¨¸Š¸úĈţµ¸ - ]¸›¸¬¸¿‰¡¸¸ - ¬¸Ÿ¸»í¨¸¸£Classification of Branches - Population Groupwise ..............................................................................................................272

    • ‚›¸º«¸¿¿¿Š¸ú ¬¸¿¬˜¸¸‚¸½¿ ˆ½Å ¢¨¸÷Ã÷¸ú¡¸ ¢¨¸¨¸£µ¸ - ‚¸›šÏ¸ ¤¸ÿˆÅ œ¸€¸ƒ›¸ÿ¢©¸‡¥¸ ¬¸¢¨¸Ä¢¬¸{¸ ¢¥¸ Financial Statements of Subsidiary - Andhra Bank Financial Services Limited .........................................................................273

    • ‚¸›šÏ¸ ¤¸ÿˆÅ ‡¨¸¿ ƒ¬¸ˆÅú ‚›¸º«¸¿¿¿Š¸ú ˆÅ¸ ¬¸Ÿ¸½¢ˆÅ÷¸ ¢¨¸î¸ú¡¸ ¢¨¸¨¸£µ¸Consolidated Financial Statements of Andhra Bank and its Subsidiary ...................................................................................329

    • œÏ¸Æ¬¸ú œ¸Á€¸Ÿ¸Ä / Proxy Form ...................................................................................................................................................365• „œ¸¢¬˜¸¢÷¸ œ¸\¸úÄ/œÏ¨¸½©¸ œ¸¸¬¸ / Attendance Slip / Entry Pass ...........................................................................................................367

    M/s. MCS SHARE TRANSFER AGENT LIMITED002, GROUND FLOOR, KASHIRAM JAMNADAS

    BUILDING, 5, P.D’MELLO ROAD, MASJID EAST, MUMBAI - 400 009.

    Ph. No. 022-40206020/22/23/24Fax No. 022 -40206021

    £¢]¸¬’︣ ¨¸ ©¸½¡¸£ ‚¿÷¸£µ¸ ‡]¸½¿’ Registrar & Share Transfer Agents

    AUDITORS

    NAG & ASSOCIATES

    PREM GUPTA & CO

    V. KRISHNAN & CO

    BASHA & NARASIMHAN

    002,5,

    400 009

  • 4

    ANNUAL REPORT 2014-15

    ©¸½¡¸£š¸¸£ˆÅ¸Ê ˆÅ¸½ ‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ˆÅ¸ œ¸°¸

    ¢œÏ¡¸ ©¸½¡¸£š¸¸£ˆÅ,

    Ÿ¸º^¸½ ‚¸œ¸ˆ½Å ¬¸¸˜¸ ¡¸í ¤¸¸Â’÷¸½ íº‡ ‚÷¡¸¿÷¸ œÏ¬¸››¸÷¸¸ í¾ ¢ˆÅ ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ›¸½ ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2014-15 ̂ ½Å ™ ¾̧£¸›¸ ‡ˆÅ ‚ ¾̧£ Ÿ¸ú¥¸-œ¸÷˜¸£ œ¸¸£ ¢ˆÅ¡¸¸ í¾— ¤¸ÿˆÅ ›¸½ 2.85 ¥¸¸‰¸ ˆÅ£¸½”õ ²Å. ˆÅ¸ ˆºÅ¥¸ ¨¡¸¨¸¬¸¸¡¸ œ¸¸£ ¢ˆÅ¡¸¸— Š¸÷¸ ¨¸«¸Ä ¢¨¸¢ž¸››¸ ®¸½°¸¸ Ê Ÿ¸Ê ‚¢›¸¢ä¸÷¸÷¸¸ ˆ½Å ˆÅ¸£µ¸ „Ô¸¸½Š¸ ˆ½Å ¬¸Ÿ¸®¸ ˆÅƒÄ \¸º›¸¸¾¢÷¸¡¸¸Â ˜¸ú¿,

    ¢]¸¬¸ˆ½Å ˆÅ¸£µ¸ ‚¸¢˜¸ÄˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê Ÿ¸Ê ˆÅŸ¸ú ‚¸ƒÄ, ¢]¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ © ½̧¡¸£š¸¸£ˆÅ Ȩ̂ ̂ Åú ‚œ ½̧®¸¸‚ Ȩ̂ œ¸£ œÏ¢÷¸ »̂Å¥¸ œÏž¸¸¨¸ œ¸”õ̧ ÷¸˜¸¸ ƒ¬¸ ̂ Ÿ£µ¸ ¤¸¸]¸¸£ ˆÅ¸ ²Å‰¸ ÷¸˜¸¸ ‚˜¸Ä-¨¡¸¨¸¬˜¸¸ ˆÅ¸ „÷¬¸¸í ¬÷¸£ ž¸ú œÏž¸¸¢¨¸÷¸ íº‚¸—

    ¢¨¸æ¸ - ¨¡¸¸œ¸ú ‚¸¢˜¸ÄˆÅ Š¸¢÷¸¢¨¸¢š¸¡¸¸Ê Ÿ¸Ê ¨¸«¸Ä 2014-15 Ÿ¸Ê ˜¸¸½”¸ ¬¸ºš¸¸£ íº‚¸ ÷¸˜¸¸ ‚˜¸Ä - ¨¡¸¨¸¬˜¸¸‚¸Ê Ÿ¸Ê ¢ž¸››¸÷¸¸ ¤¸›¸ú £íú ]¸¤¸¢ˆÅ ‚¢š¸ˆÅ¸¿©¸ „ž¸£÷¸ú ¤¸¸]¸¸£ ‚˜¸Ä-¨¡¸¨¸¬˜¸¸‡Â Ÿ¸¿™ú ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ˆÅ£ £íú íÿ, ‚Ÿ¸£úˆÅ¸ ˆÅ¸½ Ž¸½”ˆÅ£ „››¸÷¸ ‚˜¸Ä-¨¡¸¨¸¬˜¸¸‡Â (‡ ƒÄ) Ÿ¸ºÍ¸-¬ûÅú¢÷¸ˆ½Å ]¸¸½¢‰¸Ÿ¸ ¬¸½ ]¸»^¸ £íú íÿ— ƒ¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ‡ ƒÄ ׸£¸ ‚œ¸£Ÿœ¸£¸Š¸÷¸ ‚¸¢˜¸ÄˆÅ ›¸ú¢÷¸¡¸¸Â ]¸¸£ú £íú íÿ ÷¸˜¸¸ ƒÄ ‡ ƒÄ Š¸¾£ Ÿ¸ºÍ¸ - ¬ûÅú¢÷¸ / Ÿ¸ºÍ¸ - ¬ûÅú¢÷¸ ¦¬˜¸¢÷¸ ¬¸½ ]¸»^¸ £í½ íÿ— œ¸¢£µ¸¸Ÿ¸÷¸À ¢¨¸¢›¸Ÿ¸¡¸ - ™£¸Ê ÷¸˜¸¸ ‚›¡¸ ‚¸¦¬÷¸ Ÿ¸»¥¡¸¸Ê Ÿ¸Ê ̂ ŸûÅú œ¸¢£¨¸÷¸Ä›¸ íº‚¸ í¾— ‡ ƒÄ ̂ Ÿ½ ¢¨¸æ¸ - ̈ ¡¸¸¢œ¸ ¢¨¸î¸ú¡¸ ¬¸¿ˆÅ’ ̂ ½Å ¤¸¸™ ̂ ½Å œ¸¢£µ¸¸Ÿ¸¸Ê ¬¸½ „¤¸£›¸¸ í¾, ]¸¤¸¢ˆÅ ƒÄ ‡ ƒÄ ˆ½Å ¬¸Ÿ¸®¸ ¤¸[÷¸½ ›¸ˆÅ¸£¸÷Ÿ¸ˆÅ ‚¸„’œ¸º’ ‚¿÷¸£ ¨¸ ¢Š¸£›¸ú ¬¸¿ž¸¸¢¨¸÷¸ œÏŠ¸¢÷¸ í¾, ¢]¸¬¸›¸½ ¢¨¸î¸ ¨¸«¸Ä 2014-15 Ÿ¸Ê ¢¨¸æ¸ - ¨¡¸¸¢œ¸ œÏŠ¸¢÷¸ ˆÅ¸½ ¬¸ú¢Ÿ¸÷¸ ˆÅ£ ¢™¡¸¸—

    ¢ûÅ£ ž¸ú, ¡¸í ‚œ¸½®¸¸ í¾ ¢ˆÅ ¨¸¾¢æ¸ˆÅ ‚˜¸Ä - ¨¡¸¨¸¬˜¸¸ Š¸÷¸ ¨¸«¸Ä ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê ‚¸›¸½ ¨¸¸¥¸½ ¢¨¸î¸ ¨¸«¸Ä Ÿ¸Ê ‚Ÿ¸£úˆÅ¸ ÷¸˜¸¸ ¡¸»£¸½ ®¸½°¸ Ÿ¸Ê ‚¸„’œ¸º’ ˆ½Å ¤¸[÷¸½ ¬÷¸£ ÷¸˜¸¸ ¨¸¬÷¸º‚¸Ê ˆ½Å Ÿ¸»¥¡¸¸Ê Ÿ¸Ê ˆÅŸ¸ú ˆ½Å ˆÅ¸£µ¸ ¬¸ºš¸£½Š¸ú—

    ¨¸«¸Ä 2013-14 Ÿ¸Ê 6.9% ˆÅú ¨¸¼¢Ö - ™£ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 7.4% (¨¸«¸Ä - ™£ - ¨¸«¸Ä) ‚›¸ºŸ¸¸¢›¸÷¸ í¾— ƒ¬¸¬¸½ ¨¸«¸Ä 2014-15 Ÿ¸Ê ‹¸£½¥¸º ‚¸¢˜¸ÄˆÅ Š¸¢÷¸¢¨¸¢š¸ Ÿ¸Ê ¬¸ºš¸¸£ ˆ½Å ¬¸¿ˆ½Å÷¸ ¢Ÿ¸¥¸÷¸½ íÿ— ¢ûÅ£ ž¸ú, ‚¸¢˜¸ÄˆÅ Š¸¢÷¸¢¨¸¢š¸ ˆ½Å ‚›¡¸ œÏŸ¸º‰¸ ¬¸»\¸ˆÅ¸Ê ÷¸˜¸¸ ]¸ú”úœ¸ú ̈ ¸¼¢Ö Ÿ¸Ê ‚¿÷¸£ ¬¸½ ¬œ¸«’ í¾ ¢ˆÅ ̈ ¸¬¸»¥¸ú ¢¨¸¬÷¸¼÷¸ ›¸íú¿ í¾—

    ƒ¬¸ ̈ ¸« Ä̧ ¬¸¸Ÿ¸¸›¡¸ ¬ ½̧ ̂ ÅŸ¸ Ÿ¸¸›¸¬ »̧›¸ £í› ½̧ ̂ ½Å ̂ Ÿ£µ¸ ̂ ¼Å¢«¸ ® ½̧°¸ ̂ Åú ž »̧¢Ÿ¸ˆÅ¸ œÏŠ¸¢÷¸ ˆÅ¸½ Š¸¢÷¸ œÏ™¸›¸ ˆÅ£›¸½ í½÷¸º ‚÷¡¸¿÷¸ Ÿ¸í÷¨¸œ¸»µ¸Ä í¾—

    ƒ¬¸ ¨¸«¸Ä œÏŠ¸¢÷¸ Ÿ¸Ê ¨¸¬¸»¥¸ú í½÷¸º ‚¸©¸¸ ˆ½Å œ¸¢£œÏ½®¡¸ Ÿ¸Ê ÷¸˜¸¸ „Ô¸¸½Š¸ ¨¸ ˆ¼Å¢«¸ ˆÅ¸½ ]¸¸½¢‰¸Ÿ¸¸Ê ˆ½Å ˆÅ¸£µ¸, ‚œ¸½¢®¸÷¸ œ¸¢£µ¸¸Ÿ¸¸Ê ˆÅú œÏ¸¦œ÷¸ í½÷¸º ‚˜¸Ä-¨¸¡¸¨¸¬˜¸¸ ˆ½Å Ÿ¸»¥¸ ‚¸š¸¸£ Ÿ¸Ê ›¸¨¸ú›¸ „÷¬¸¸í ¬¸¢í÷¸ ‡ˆÅ ¦¬˜¸£ ¢›¸¨¸½©¸ ¨¸¸÷¸¸¨¸£µ¸ ‚÷¡¸¿÷¸ ‚¸¨¸©¡¸ˆÅ í¾—

    ¢¨¸î¸ú¡¸ ̈ ¸«¸Ä 2015-16 ퟸ¸£½ ¬¸Ÿ¸®¸ œÏŠ¸¢÷¸ Ÿ¸Ê Š¸¢÷¸ í½÷¸º ‡ˆÅ ‚¨¸¬¸£ ¥¸½ˆÅ£ ‚¸¡¸¸ í¾ ÷¸˜¸¸ ퟸ œÏŠ¸¢÷¸ œÏ¢ÇÅ¡¸¸ Ÿ¸Ê ‚¸œ¸ˆ½Å ¤¸ÿˆÅ ˆÅ¸½ œÏ˜¸Ÿ¸-œ¸¿¢Æ÷¸ Ÿ¸Ê £‰¸›¸½ í½÷¸º ›¸ƒÄ …]¸¸Ä ‡¨¸¿ „÷¬¸¸í ¬¸½ ˆÅ”õ¸ œÏ¡¸¸¬¸ ˆÅ£ÊŠ¸½—

    ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2014-15 ˆ½Å ™¸¾£¸›¸ ¤¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä¢›¸«œ¸¸™›¸ ˆÅú Ÿ¸º‰¡¸ ¤¸¸÷¸Ê ›¸ú\¸½ ™ú Š¸ƒÄ í¾À

    ̂ ºÅ¥¸ ¨¡¸¸œ¸¸£ 31.03.2014 ÷¸ˆÅ ²Å.2,52,494 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ 12.7% ¨¸¼¢Ö ™£ ™]¸Ä ˆÅ£÷¸½ íº‡ 31.03.2015 ÷¸ˆÅ ²Å. 2,84,588 ˆÅ£¸½”õ í¾ —

    ̂ ºÅ¥¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Â ¢œ¸Ž¥¸½ ¨¸«¸Ä Ÿ¸Ê ²Å. 1,41,845 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ 9.3% ¨¸¼¢Ö ™£ ™]¸Ä ˆÅ£÷¸½ íº‡ ²Å.1,55,012 ˆÅ£¸½”õ íºƒÄ íÿ—

    ̂ Ÿ¬¸¸ ]¸Ÿ¸¸£¸¢©¸¡¸¸Â ²Å.35,186 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ 20.5% ¨¸¼¢Ö ™£ ™]¸Ä ˆÅ£÷¸½ íº‡ ²Å.42,402 ˆÅ£¸½”õ íºƒÄ íÿ—

    ]¸Ÿ¸¸£¸¢©¸¡¸¸Ê ˆÅú ¥¸¸Š¸÷¸ 7.73% £íú—

    ¬¸ˆÅ¥¸ ¤¸ÿˆÅ †µ¸ ²Å.1,10,649 ˆÅ£¸½”õ ¬¸½ ¤¸[õˆÅ£ 17.1% ¨¸¼¢Ö ™£ ™]¸Ä ˆÅ£÷¸½ íº‡ ²Å.1,29,576 ˆÅ£¸½”õ íº‡ íÿ —

    †µ¸ ]¸Ÿ¸¸ ‚›¸ºœ¸¸÷¸ Š¸÷¸ ¨¸«¸Ä 78.02% ˆÅú ÷¸º¥¸›¸¸ Ÿ¸Ê 83.61% í¾—

    ¢›¸¨¸¥¸ ¤¡¸¸]¸ Ÿ¸¸¢]¸Ä›¸ 3.00% £í¸ —

    Š¸¾£-¤¡¸¸]¸ ‚¸¡¸ ²Å.1,499 ˆÅ£¸½”õ £íú —

    ¢›¸¨¸¥¸ ¥¸¸ž¸ 2014-15 í½÷¸º ²Å.638 ˆÅ£¸½”õ £í¸—

    ¬¸ˆÅ¥¸ ‚¢ŠÏŸ¸ ‚›¸ºœ¸¸÷¸ ˆ½Å œÏ¢÷¸ ¬¸ˆÅ¥¸ ‡›¸œ¸ú‡ 5.31% £í¸—

    ¢›¸¨¸¥¸ ‚¢ŠÏŸ¸ ‚›¸ºœ¸¸÷¸ ˆ½Å œÏ¢÷¸ ¢›¸¨¸¥¸ ‡›¸œ¸ú‡ 3.11% ¬¸½ ˆÅŸ¸ í¸½ ˆÅ£ 2.93% £í¸—

    ¤¸½¬¸¥¸-——— ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸»¿]¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ 10.63% £í¸—

    ‚¸¾¬¸÷¸ ‚¸¦¬÷¸¡¸¸Ê œ¸£ œÏ¢÷¸ûÅ¥¸ 0.38% £í¸ —

    œÏ¢÷¸ ˆÅŸ¸Ä\¸¸£ú ¢›¸¨¸¥¸ ¥¸¸ž¸ ²Å.3.45 ¥¸¸‰¸ £í¸ —

    œÏ¢÷¸ ˆÅŸ¸Ä\¸¸£ú ‚¸¾¬¸÷¸ ¨¡¸¸œ¸¸£ ²Å.13.73 ˆÅ£¸½”õ £í¸ —

    › ½̧’¨¸ Ä̂Å ¢¨¸¬÷¸¸£À- ̈ ¸« Ä̧ 2014-15 ̂ ½Å ™ ¾̧£¸›¸, ‚¸œ¸ ½̂Å ¤ ÿ̧̂ Å › ½̧ 395 ©¸¸‰¸¸‡¿ ÷¸˜¸¸ 382 ‡’ú‡Ÿ¸ ‰¸¸½¥¸½— ¢™›¸¸¿ˆÅ 31.03.2015 ÷¸ˆÅ, ¤¸ÿˆÅ ˆÅú 2507 ©¸¸‰¸¸‚ Ȩ̂, 8 ¢¨¸¬÷¸¸£ œ¸’¥¸, 35 ¬ ¾̧’½¥¸¸ƒ’ ̂ Ÿ¡¸ Ä̧¥¸¡¸ Ȩ̂ ÷¸˜¸¸ 2232 ‡’ú‡Ÿ¸ ¬¸¢í÷¸ 4782 ¢”¥¸ú¨¸£ú \¸¾›¸¥¸ ˜¸½—

    ¢¨¸î¸ ¨¸«¸Ä 2014-15 ˆ½Å ™¸¾£¸›¸, ‚¸œ¸ˆ½Å ¤¸ÊˆÅ ›¸½ ŠÏ¸íˆÅ ¬¸½¨¸¸ Ÿ¸Ê ¬¸ºš¸¸£ í½÷¸º ¢›¸Ÿ›¸ ‚¸ƒÄ ’ú œ¸í¥¸ ˆÅú¿—

    l ••ƒ¬¸ ‚¨¸¢š¸ ˆ½Å ™¸¾£¸›¸ 382 ‡’ú‡Ÿ¸ ¥¸Š¸¸‡ Š¸‡ ¢]¸¬¸Ÿ¸Ê 342 ‚¸Á›¸-¥¸¸ƒ›¸ ‡’ú‡Ÿ¸ ¬¸¦ŸŸ¸¢¥¸÷¸ íÿ—

  • 5

    ANNUAL REPORT 2014-15

    Chairman & Managing Director’s Letter to Shareholders

    Dear Shareholders,It gives me immense pleasure to share with you that your Bank crossed yet another milestone during financial year 2014-15 with its total Business surpassing the Rs.2.85 Lakh Crore mark. The past year posed unique challenges and to the industry with slow recovery in the core sectors, which

    metamorphosed into a modest growth in the economic activity and consequently the expectations of stakeholders, market and confidence levels of economy are moderated from their high levels witnessed during the course of the year.

    The global economic activity recovered during FY 2014-15, albeit, marginally with divergent rates across economies. While most of the Emerging market Economies (EMEs), are experiencing slowdown, the Advanced Economies (AEs) are battling the risks of deflation barring the US. This has resulted in continuation of unconventional monetary policies by the AEs and by EMEs to fight disinflationary/ inflationary conditions respectively. As a consequence, there have been large movements in exchange rates and other asset prices. In sum, the AEs are yet to recover from the after affects of global financial crisis, while the EMEs are confronted with rising negative output gap, falling potential growths, which restricted the revival of global growth in FY 2014-15.

    However, it is expected that the global economy will trace on a higher growth trajectory in the coming fiscal in comparison to that of the previous year’s, hoping to be comforted with softer commodity prices and rising level of output in the US and Euro area.

    The growth in Gross Domestic Product (GDP) during 2014-15 is estimated at 7.4% (y-o-y) as compared to the growth rate of 6.9% in 2013-14, suggesting a revival in the domestic economic activity in 2014-15. However, the divergence between other lead indicators of economic activity and the GDP growth numbers, suggest that the recovery is not broad based.

    The role of Agriculture as a sector for fuelling growth momentum during FY 2015-16 seems to be the most crucial, given the dry clouds of a below normal monsoon hovering over the horizon this year.

    In the backdrop of optimism for further recovery in growth this year coupled with downside risks to industry and agriculture, a stable investment climate with renewed confidence in the fundamentals of the economy is quintessential for achieving the much desired results.

    The financial year 2015-16 has unfolded itself as an opportunity to revive the growth momentum, and we will strive hard with renewed vigour to work towards placing your Bank amongst the forerunners in the growth process.

    The performance highlights of your Bank for the Financial Year 2014-15 are as follows:

    Total Business increased to `2,84,588 Crore as on 31.03.2015, from `2,52,494 Crore as on 31.03.2014 registering a growth rate of 12.7%.

    Total Deposits increased to `1,55,012 Crore from `1,41,845 Crore in the previous year, registering a growth rate of 9.3%.

    CASA Deposits increased to `42,402 Crore from `35,186 Crore, registering a growth rate of 20.5%.

    Cost of Deposits stood at 7.73%.

    Gross Bank Credit increased to `1,29,576 Crore from `1,10,649 Crore, registering a growth rate of 17.1%.

    Credit Deposit Ratio stood at 83.61% compared to 78.02% during the previous year.

    Net Interest Margin stood at 3.00%.

    Non-Interest Income stood at ` 1499 Crore.

    Net Profit for 2014-15 stood at `638 Crore.

    Gross NPAs to Gross Advances Ratio stood at 5.31%.

    Net NPAs to Net Advances Ratio reduced from 3.11% to 2.93%.

    Capital Adequacy Ratio stood at 10.63% under BASEL-III.

    Return on Average Assets stood at 0.38%.

    Net Profit per Employee stood at `3.45 Lakh.

    Average Business per Employee stood at `13.73 Crore.

    Network Expansion: During 2014-15, your Bank opened 395 Branches and added 382 ATMs. As on 31.03.2015, Bank had 4782 Delivery Channels consisting of 2507 Branches, 8 Extension Counters, 35 Satellite Offices and 2232 ATMs.

    During FY 2014-15, your Bank has taken the following I.T. initiatives to improve Customer Service:

    382 number of new ATMs were installed during this period, which include 342 Onsite ATMs.

  • 6

    ANNUAL REPORT 2014-15

    l• ‚¸½’úœ¸ú (‡ˆÅ¤¸¸£Š¸ú œ¸¸¬¸¨¸”Ä) ˆÅú ¬¸»\¸›¸¸ Ÿ¸Ê ¢¨¸¥¸¿¤¸ ¬¸½ ¤¸\¸›¸½ ˆ½Å ¢¥¸‡ ƒ¿’£›¸½’ ¤¸ÿ¢ˆ¿ÅŠ¸ í½÷¸º ’»-û¾ÅÆ’£ ‚˜¸¸¿¢’ˆ½Å©¸›¸’’ ˆÅ¸ ˆÅ¸¡¸¸Ä›¨¸¡¸›¸—

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    ž¸¨¸™ú¡¸ (¬¸ú.¨¸ú‚¸£.£¸]¸½›Í›¸)‚š¡¸®¸ ‡¨¸¿ œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ

    ¬˜¸¸›¸- í¾™£¸¤¸¸™¢™›¸¸¿ˆÅ 27.04.2015

  • 7

    ANNUAL REPORT 2014-15

    Implementation of Two Factor Authentication solution for Internet banking to overcome delay in delivery of OTP (one time password)

    AB E-Collection Module for collection of Fees and Other Charges – customized for each user.

    Customized Commercial Tax collection module for the Telangana State government.

    Introduced the facility of Scheduling of NEFT payments by the internet banking customers

    Enabled card less cash deposits at BNA to facilitate 3rd party deposits

    Enabled E-KYC for sourcing of information directly from UIDAI (Aadhar) server for opening of accounts.

    Enabled Donation modules for HUDHUD Cyclone relief fund, Arasavalli temple – Srikakulam Dist,

    Enabled foreign inward remittances through IMPS.

    Provided the facility of e-filling of Income Tax returns through our internet banking facility

    Launched Cash Recyclers – 1st of its kind in AP & TG.

    The Bank processed 1.42 Cr DBT record and credit beneficiaries’ accounts as on 31.03.2015 which is highest amongst all Banks.

    Leveraging the strong IT background, the Bank has developed the following IT products/ Services – In house :

    o Bulk Account Opening Utility

    o Export Data Processing and Management System (EDPMS)

    o PMJDY accounts opening through E-KYC The

    bank has opened 18.25 lacs of accounts under PMJDY scheme. The Bank has opened 6,94,257 number of accounts, which is the highest among all the banks, using online E-KYC service.

    o Mandate Management System

    o Customized Portal for Rajiv Vidya Mission funds transfer

    o AB e-passbook to maintain passbook on Android Devices.

    o Missed call Balance Inquiry facility

    The Bank’s IT Department received ISO 27001: 2013 on Information Security Management System (ISMS) certification for DC/ DR/ DIT on 07.01.2015

    Your Bank is committed towards delivering best services to customers by leveraging on technology and dedicated human resources, and would tirelessly work towards maximizing shareholders’ value.

    With warm wishes,

    Yours sincerely,

    (C.VR RAJENDRAN)

    Chairman & Managing Director

    Place : Hyderabad

    Date : 27.04.2015

  • 8

    ANNUAL REPORT 2014-15

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  • 9

    ANNUAL REPORT 2014-15

    (ž¸¸£÷¸ ¬¸£ˆÅ¸£ ˆÅ¸ „œ¸ÇÅŸ¸)(A Govt. of India Undertaking)

    NOTICE

    Notice is hereby given that the Fifteenth Annual General Meeting of shareholders of Andhra Bank will be held on Wednes-day, 8th July, 2015 at 11.00 A.M at Sri Satya Sai Nigamagamamam, 8-3-987/2, Sri Nagar Colony, Hyderabad - 500 073 to transact the following business:

    • To receive, consider and adopt the Audited Balance Sheet as at 31st March 2015 and the Profit and Loss Account for the year ended on that date, 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;

    • To declare dividend on Equity Shares for the FY 2014-15;

    • To consider and if thought fit, to pass with or without modifications the following special resolution:

    “RESOLVED THAT pursuant to the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 (Act), The Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1980 (Scheme) and Andhra Bank (Shares and Meetings) Regulations, 2003 as amended from time to time and subject to the approvals, consents, permissions and sanctions, if any, of the Reserve Bank of India (“RBI”), the Government of India (“GOI”), the Securities and Exchange Board of India (“SEBI”), and/ or any other authority as may be required in this regard and subject to such terms, conditions and modifications thereto as may be prescribed by them in granting such approvals and which may be agreed to by the Board of Directors of the Bank and subject to the regulations viz., SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 (ICDR Regulations) as amended up - to - date, guidelines, if any, prescribed by the RBI, SEBI, notifications/circulars and clarifications under the Banking Regulation Act, 1949, Securities and Exchange Board of India Act, 1992 and all other applicable laws and all other relevant authorities from time to time and subject to the Listing Agreements entered into with the Stock Exchanges where the equity shares of the Bank are listed, consent of the shareholders of the Bank be and is hereby accorded to the Board of Directors of the Bank (hereinafter called “the Board” which shall be deemed to include any Committee which the Board may have constituted or hereafter constitute to exercise its powers including the powers conferred by this Resolution) to create, offer, issue and allot (including with provision for reservation on firm allotment and/ or competitive basis of such part of issue and for such categories of persons as may be permitted by the law then applicable) by way of an offer document/ prospectus or such other document, in India or abroad, such number of equity shares and/or preference shares (whether cumulative or not; convertible into equity shares or not) in accordance with the guidelines framed by RBI from time to time, specifying the class of preference shares, the extent of issue of each class of such preference shares, whether perpetual or redeemable, the terms & conditions subject to which each class of preference shares

    may be issued and/or other permitted securities which are capable of being converted into equity or not, upto such amount/s (as decided by the Board or Committee of the Board of the Bank) which together with the existing paid-up equity share capital of ` 602.85 Crores will be within Rs.3000 Crore, being the ceiling in the Authorised Capital of the Bank, as per Section 3(2A) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 or to the extent of enhanced Authorised Capital as per the Amendment (if any), that may be made to the Act in future, in such a manner that the Central Government’s stake in the equity paid-up capital of the bank will not go below such percentage as may be decided by Government of India, whether at a discount or premium to the market price, in one or more tranches, including to one or more of the Members, employees of the Bank, Indian Nationals, Non-resident Indians (NRIs), Companies, Private or Public, Investment Institutions, Societies, Trusts, Research organizations, Qualified Institutional Buyers (“QIBs”) like Foreign Institutional Investors (“FIIs”), Banks, Financial Institutions, Indian Mutual Funds, Venture Capital Funds, Foreign Venture Capital Investors, State Industrial Development Corporations, Insurance Companies, Provident Funds, Pension Funds, Development Financial Institutions or other entities, authorities or any other category of investors which are authorized to invest in equity / preference shares / securities of the Bank as per extant regulations/ guidelines or any combination of the above as may be deemed appropriate by the Bank”.“RESOLVED FURTHER THAT such issue, offer or allotment shall be by way of public issues or such other issues which may be provided by applicable laws, with or without over-allotment option and that such offer, issue, placement and allotment be made as per the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009 (“ICDR Regulations”) and all other guidelines issued by the RBI, SEBI and any other authority as applicable, and at such time or times in such manner and on such terms and conditions as the Board may, in its absolute discretion, think fit”.

  • 10

    ANNUAL REPORT 2014-15

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  • 11

    ANNUAL REPORT 2014-15

    “RESOLVED FURTHER THAT the Board shall have the authority to decide, at such price or prices in such manner and where necessary, in consultation with the lead managers and /or underwriters and/ or other advisors or otherwise on such terms and conditions as the Board may, in its absolute discretion, decide in terms of ICDR Regulations, other regulations and any and all other applicable laws, rules, regulations and guidelines to issue such securities to investors, whether or not such investor(s) are existing members of the Bank, at a price not less than the price as determined in accordance with relevant provisions of ICDR Regulations”. “RESOLVED FURTHER THAT in accordance with the provisions of the Listing Agreements entered into with relevant stock exchanges, the provisions of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, the provisions of the Andhra Bank (Shares and Meetings) Regulations, 2003, the provisions of SEBI ICDR Regulations, the provisions of the Foreign Exchange Management Act, 1999 and the Foreign Exchange Management (Transfer or Issue of Security by a Person Resident Outside India) Regulations, 2000, and subject to requisite approvals, consents, permissions and/or sanctions of Securities and Exchange Board of India(SEBI), Stock Exchanges, Reserve Bank of India (RBI), Foreign Investment Promotion Board (FIPB), Department of Industrial Policy and Promotion, Ministry of Commerce (DIPP) and all other authorities as may be required (hereinafter collectively referred to as “the Appropriate Authorities”) and subject to such conditions as may be prescribed by any of them while granting any such approval, consent, permission and/or sanction (hereinafter referred to as “the requisite approvals”) the Board may, at its absolute discretion, issue, offer and allot, from time to time in one or more tranches, equity shares or any securities other than warrants, which are convertible into or exchangeable with equity shares at a later date, in such a way that the Central Government’s stake in the equity paid-up capital of the bank will not go below such percentage as may be decided by Government of India, to QIBs (as defined in Chapter VIII of the ICDR Regulations) pursuant to a qualified institutional placement, as provided under Chapter VIII of the ICDR Regulations, through a placement document and / or such other documents / writings / circulars / memoranda and in such manner and on such price, terms and conditions as may be determined by the Board in accordance with the ICDR Regulations or other provisions of the law as may be prevailing at that time; provided the price inclusive of the premium of the equity shares so issued shall not be less than the price arrived in accordance with the relevant provisions of ICDR Regulations”.“RESOLVED FURTHER THAT in case of a Qualified Institutional Placement (QIP), pursuant to Chapter VIII of the ICDR Regulations,a) the allotment of Securities shall only be to QIBs within

    the meaning of Chapter VIII of ICDR Regulations, such Securities shall be fully paid-up and the allotment of such Securities shall be completed within 12 months from the date of this resolution;

    b) The Bank is pursuant to Proviso to Regulation 85(1) of ICDR Regulations authorized to offer shares at a discount of not more than five percent on the price so calculated for the QIP;

    c) The relevant date for the determination of the floor price of the securities shall be in accordance with the ICDR Regulations”.

    “RESOLVED FURTHER THAT the Board shall have the authority and power to accept any modification in the proposal as may be required or imposed by the GOI / RBI / SEBI / Stock Exchanges where the shares of the Bank are listed or such other appropriate authorities at the time of according / granting their approvals, permissions and sanctions to issue, allotment and listing thereof and as agreed to by the Board.” “RESOLVED FURTHER THAT the issue and allotment of new equity shares / preference shares / securities, if any, to NRIs, FIIs and/or other eligible foreign investments be subject to the approval of the RBI under the Foreign Exchange Management Act, 1999 as may be applicable but within the overall limits set forth under the Act”.“RESOLVED FURTHER THAT the said new equity shares to be issued shall rank pari passu in all respects with the existing equity shares of the Bank including dividend, if any, in accordance with the statutory guidelines that are in force at the time of such declaration”.“RESOLVED FURTHER THAT for the purpose of giving effect to any issue or allotment of equity shares / preference shares / securities, the Board, be and is hereby authorized to determine the terms of the public offer, including the class of investors to whom the securities are to be allotted, the number of shares/ securities to be allotted in each tranche, issue price, premium amount on issue as the Board in its absolute discretion deems fit and do all such acts, deeds, matters and things and execute such deeds, documents and agreements, as they may, in its absolute discretion, deem necessary, proper or desirable, and to settle or give instructions or directions for settling any questions, difficulties or doubts that may arise in regard to the public offer, issue, allotment and utilization of the issue proceeds, and to accept and to give effect to such modifications, changes, variations, alterations, deletions, additions as regards the terms and conditions, as it may, in its absolute discretion, deem fit and proper in the best interest of the Bank, without requiring any further approval of the members and that all or any of the powers conferred on the Bank and the Board vide this resolution may be exercised by the Board” .“RESOLVED FURTHER THAT the Board be and is hereby authorized to enter into and execute all such arrangements with any Book Runners, Lead Manager(s), Banker(s), Underwriter(s), Depository(ies), Registrars, Auditors and all such agencies as may be involved or concerned in such offering of equity/ preference shares/ securities and to remunerate all such institutions and agencies by way of commission, brokerage, fees or the like and also to enter into and execute all such arrangements, agreements, memoranda, documents, etc., with such agencies”.

  • 12

    ANNUAL REPORT 2014-15

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  • 13

    ANNUAL REPORT 2014-15

    “RESOLVED FURTHER THAT for the purpose of giving effect to the above, the Board, in consultation with the Lead Managers, Underwriters, Advisors and/ or other persons as appointed by the Bank, be and is hereby authorized to determine the form and terms of the issue(s), including the class of investors to whom the shares / securities are to be allotted, number of shares/securities to be allotted in each tranche, issue price (including premium, if any), face value, premium amount on issue, fixing of record date or book closure and related or incidental matters, listings on one or more stock exchanges in India and / or abroad, as the Board in its absolute discretion deems fit”.“RESOLVED FURTHER THAT such of these shares/ securities as are not subscribed may be disposed off by the Board in its absolute discretion in such manner, as the Board may deem fit and as permissible by law”.“RESOLVED FURTHER THAT for the purpose of giving effect to this Resolution, the Board, be and is hereby authorised to do all such acts, deeds, matters and things as it may in its absolute discretion deem necessary, proper and desirable and to settle any question, difficulty or doubt that may arise in regard to the issue, of the shares/ securities and further to do all such acts, deeds, matters and things, finalize and execute all documents and writings as may be necessary, desirable or expedient as it may in its absolute discretion deem fit, proper or desirable without being required to seek any further consent or approval of the shareholders or authorise to the end and intent, that the shareholders shall be deemed to have given their approval thereto expressly by the authority of the Resolution”.“RESOLVED FURTHER THAT the Board be and is hereby authorized to delegate all or any of the powers herein conferred to the Managing Director & Chief Executive Officer and/or to the Executive Director/(s) in the absence of the Managing Director & Chief Executive Officer or to the Committee of Directors to give effect to the aforesaid Resolutions.” For and on behalf of the Board of Directors

    Place: Hyderabad (Y. Amarnath) Date: 29.05.2015 Company Secretary

    Notes:

    The Explanatory Statement setting out the material facts in respect of the business of the meeting is annexed hereto.

    1. Voting RightsIn terms of the provisions of sub-section (2E) of Section 3 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, no shareholder of the corresponding new Bank, other than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of ten per cent of the total voting rights of all the shareholders of the Bank.

    Subject to the above, as per Regulation 68 of Andhra Bank (Shares and Meetings) Regulations, 2003, each shareholder who has been registered as a shareholder on the Cut-off date, i.e. Wednesday, 01.07.2015, shall have one vote for each share held by him/her in remote e-voting / voting through poll.Exercise of rights of joint holders:As per Regulation 10 of the above Regulations, if any share stands in the names of two or more persons, the person first named in the register shall, as regards voting, be deemed to be the sole holder thereof. Thus, if shares are in the name of joint holders, then first named person is only entitled to attend the meeting and is only eligible to vote on the Resolutions.2. Cut-off date for the purpose of ascertainment of shareholders entitled to receive the annual report including the notice of Annual General MeetingThe Bank has fixed Friday, 29.05.2015 as the cut-off date for the purpose of ascertaining the names of shareholders entitled to receive the Annual Report including the Notice of Annual General Meeting. 3. Appointment of ProxyA shareholder entitled to attend and vote at the meeting is entitled to appoint a proxy to attend and to participate in the POLL at the venue of the General Meeting instead of himself/herself and such a proxy need not be a shareholder of the bank. In order to be effective, the proxy form must be deposited at the Head Office of the Bank atleast four days before the date of the meeting. No employee of the Bank shall be appointed as a duly authorized representative or as a proxy.4. Appointment of a Representative :No person shall be entitled to attend or vote at the meeting as a duly authorized representative of a Company, unless a copy of the resolution appointing him as a duly authorized representative certified to be a true copy by the Chairman of the meeting at which it was passed shall have been deposited at the Head Office of the Bank at Hyderabad not less than four days before the date of the meeting.5. Attendance slip-cum-entry pass:For the convenience of the Members, attendance slip is enclosed to this report. Members are requested to fill in and affix their signatures in the space provided therein and handover the attendance slip-cum-Entry pass at the entrance of the venue of the meeting. Proxy / Representative of the shareholder should mark on the attendance slip as proxy or representative as the case may be.6. Book Closure:The Register of Shareholders and Share Transfer Books would remain closed from 02.07.2015 to 07.07.2015 (both days inclusive).

  • 14

    ANNUAL REPORT 2014-15

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  • 15

    ANNUAL REPORT 2014-15

    7. Dividend :The Board of Directors has recommended a dividend of ` 2.00 ps