annual report 2013-14 - copy€¦ · annual report 2013-14 5 punjab & sind bank notice notice...

1ANNUAL REPORT 2013-14

Punjab & Sind Bank

Contents

i`[B la[;k@ Page No.

1- mYys[kuh; rF;@ Highlights 2

2- funs'kd eaMy@ Board of Directors 3

3- uksfVl@ Notice 4&31

4- funs'kd eaMy dh fjiksVZ@ Directors' Report 32&61

5- dkWiksZjsV izca/ku fjiksVZ@ Corporate Governance Report 62&119

6- ckly-II o ckly-III ds varxZr izdVhdj.k@Disclosure under Basel-II & Basel-III 120&201

6- foRrh; foojf.k;ka@Financial Statements: 202&269

rqyu&i=@Balance Sheet 202&203

ykHk&gkfu [kkrk@ 202&205

vuqlwfp;k¡@Schedules 206&263

udnh izokg fooj.k-i=@Cash Flow Statement 264&265

Lora= ys[kk ijh{kdksa dh fjiksVZ @ 266&269

7- ?k¨"k.kk dk Ák:i ( mEehnokj }kjk )@ ukekadu QkeZFormat Of Declaration (By Candidate)/ Nomination Form 270&279

8- izkWDlh QkeZ @Proxy Form 280&283

9- mifLFkfr iphZ 284&285

2 okf"kZd fjiksVZ 2013&14

iatkc ,.M fla/k cSad

:i, yk[kksa esa / Rupees. in lacs

as on 31.03.2014 dks

1- tek 8473016Deposits

2- ldy vfxze 5785774Gross Advances

3- izkFkfedrk {ks= vfxze 1770102Priority Sector Advances

4- ldy fuos”k 2834661Gross Investments

5- “kq) ykHk 30063

6- vkfLr;ksa ij izfrQy¼%½ 0-35%Retrurn on Assests (%)

7- “kq) ,uih, vuqikr¼%½ 3-35%Net NPA Ratio (%)

8- iw¡th i;kZIrrk vuqikr ¼%½¼cklsy-II½ 12-10%Captial Adequacy Ratio (%) (Basel-II)

9- iw¡th i;kZIrrk vuqikr ¼%½¼cklsy- III½ 11-04%Captial Adequacy Ratio (%) (Basel-III)


Punjab & Sind Bank



uksfVl

,rn~ }kjk Lkwfpr fd;k tkrk gS fd iatkc ,.M ÇLk/k cSad ds 'ks;j/kkjdä dh p©Fkh okÆ"kd LkkekU; cSBd bafM;k baVjus'kuy LksUVj,40 – eSDLkewyj ekxZ, y¨nh ,LVsV, ubZ fnYyh -110003 esa Lkëokj, 30 twu 2014 d¨ Ákr% 9.00 cts vk;¨ftr dh tk,xhA bLkesa fuEufyf[kr dkj¨ckj Lkapkfyr gäxs%

1. cSad ds 31 ekpZ 2014 ds ys[kk ijhf{kr rqyu-i=, ykÒ-gkfu ys[kk, ys[kä esa Lkekfgr vof/k esa dk;Zfu"iknu rFkk dk;Zdykiä ij funs'kd eaMy dh fji¨VZ v©j rqyu-i= ,oa ys[kä ij ys[kk ijh{kdä dh fji¨VZ ij fopkj-foe'kZ, vuqe¨nu o Lohdkj djus gsrq A

2. foŸkh; o"kZ 2013-14 ds fy, ykÒka'k dk vuqe¨nu o ?k¨"k.kk A

3. dsUæh; Lkjdkj ds vfrfjä, 'ks;j/kkjdä ds e/; Lks n¨ funs'kdä dk pquko djus, ftuds Lkaca/k esa cSaddkjh daiuh (miØeädk vtZu ,oa varj.k) vf/kfu;e 1980 dh /kkjk 9(3) (i), cSaddkjh fofu;eu vf/kfu;e, 1949 ,oa jk"Vªh;Ñr cSad (Áca/ku ,oa fofo/k Áko/kkuä) ;¨tuk 1980 rFkk iatkc ,.M ÇLk/k cSad ('ks;j ,oa cSBdsa) fofu;e 2008, fu;e dh /kkjk 19 ,oa Òkjrh; fjt+oZ cSad }kjk tkjh fnukad 01.11.2007 dh vf/kLkwpuk Lka. Mh.ch.v¨.Mh ua. ch.Lkh u. 46/29.39.001/2007-2008,Mh.ch.v¨.Mh ua.ch.Lkh u. 46/29.39.001/2007-2008 rFkk fnukad 23.05.2011 dh vf/kLkwpuk Lka. Mh.ch.v¨.Mh ua. ch.Lkh u. 95/29.39.001/2010-2011 ds rgr oS/k ukekadu ÁkIr gq, gSa rFkk fuEu ÁLrko ikfjr djus ds fy,-

“ikfjr fd;k x;k fd dsUæh; Lkjdkj ds vfrfjä 'ks;j/kkjdä esa Lks fuokZfpr n¨ funs'kdä ftuds Lkaca/k esa oS/k ukekadu ÁkIr gq, gSa, ;¨tuk rFkk bLkds i'pkr cuk, x, fofu;eä ds LkkFk ifBr vf/kfu;e dh /kkjk 9(3) (i) ds vuqLkj.k esa ,rn~ }kjk bUgsa cSad ds funs'kd ds :i esa fu;qä fd;k tkrk gS t¨fd bLk cSBd dh frfFk Lks dk;ZÒkj LkaÒkysaxs rFkk dk;Zxzg.k djus dh frfFk Lks rhu o"käZds iwjk güs rd dk;ZÒkj LkaÒkys jgsaxs”A

,rn~ }kjk Lkwfpr fd;k tkrk gS fd (d) okÆ"kd LkkekU; cSBd ([k) p©Fkh ok.Lkk.cSBd esa ?k¨f"kr vafre ykÒk¡'k ;fn d¨bZ gS r¨ d¨ ÁkIr djus okys 'ks;j /kkjdä dh ik=rk dh fu'fprk ds Lkaca/k esa 'ks;j/kkjdä ds jftLVj rFkk cSad dh 'ks;j varj.k cfg;ka fnukad 14.06.2014 Lks 30.06.2014 rd (nü¨ fnuä Lkfgr) can jgsaxh A

mij¨ä ds vfrfjä cSad us ,sLks 'ks;j/kkjdä dk irk yxkus ds fy, t¨ cSad ds n¨ 'ks;j?kkjd funs'kdä ds pquko es Òkx ysus ds ik= gäxs (ukfer djus, pquko yM+us rFkk o¨V/bZ-o¨V djus) rFkk ,sLks 'ks;j/kkjdä dk irk yxkus t¨ p©Fkh okÆ"kd LkkekU; cSBd ds

,stUMk dh p©Fkh en ij o¨V/bZ-o¨V nsus ds ik= gäxs ds fy, 30 ebZ 2014 vafre frfFk fu/kkZfjr dh gSA

funs'kd e.My ds vkns'kkuqLkkj

LFkku% ubZ fnYyh (tfrUnjchj ÇLkg)

fnukad% ebZ 19,2014 v/;{k ,oa Áca/k funs'kd


Punjab & Sind Bank

NOTICENotice is hereby given that the Fourth Annual General Meeting of Shareholders of Punjab & Sind Bank will be held at India International Centre, 40-Max Mueller Marg, Lodhi Estate, New Delhi-110003 on Monday, the 30th June, 2014 at 9.00 a.m. for transacting the following business:

Item No.

1. To discuss, approve and adopt Audited Balance Sheet of the Bank as at 31st

for the year 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.

2. To approve and

3. To elect two Directors from amongst the shareholders, other than Central Government, in respect of whom valid nominations are received in terms of Section 9(3) (i) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 read with The Banking Regulations Act, 1949 and The Nationalised Banks (Management & Miscellaneous Provisions) Scheme, 1980 and Punjab & Sind Bank (Shares & Meetings) Regulations, 2008 made

46/29.39.001/ 2007-08, 47/29.39.001/

Reserve Bank of India and to pass the following resolution:-

“RESOLVED THAT two Directors elected from amongst shareholders other than Central Government, in respect of whom valid nominations were received, pursuant to Section 9(3)(i) of the Act read with Scheme and Regulations made

Notice is also hereby given that the Register of Shareholders and the Share Transfer Books of the Bank, will remain closed from 14.06.2014 to 30.06.2014 (both days inclusive) in connection with (a) the Annual General Meeting;

entitled to participate (to nominate, contest and vote/e-vote) in the election of two shareholder directors of the Bank and to ascertain the shareholder who will be entitled to participate in voting/e-voting on the agenda items of 4th AGM.

Place: New Delhi Jatinderbir SinghDate: 19th May 2014 Chairman & Managing Director

Punjab & Sind Bank(A Government of India Undertaking)



fVIif.k;k¡

1- O;k[;kRed oäO;%

funs'kdä ds pquko Lkacaf/kr u¨fVLk dh en Lka[;k 3 ds okLrfod rF;ä dk O;k[;kRed fooj.k fuEukuqLkkj gS%

cSaddkjh daiuh (miØeä dk vtZu ,oa varj.k) vf/kfu;e, 1980, vU; ckrä ds LkkFk-LkkFk miyC/k djkrk gS fd vf/kfu;e dh /kkjk 3 dh mi/kkjk (2 ch) dh “krZ (Lkh) ds varxZr tkjh iwath (dsUæh; Lkjdkj ds vfrfjä) 16% Lks vf/kd gS ysfdu ÁnŸk iwath ds 32% Lks vf/kd ugha gS, “ks;j/kkjdä d¨ vius e/; Lks n¨ funs'kdä dk pquko djus dk vf/kdkj gS A

fnukad 31.03.2014 d¨ cSad dh ÁnŸk bZfDoVh 'ks;j iwath :.275.28 dj¨M+ Fkh] ftLkdk 81.42% Òkjr Lkjdkj ds LokfeRo esa rFkk 'ks"k 18.58% vU; ds LokfeRo esa gSA /kkjk 9(3) (i) ds iSjk (II) ds Áko/kkuä ds vuqLkkj cSad d¨ “ks;j/kkjdä }kjk muesa Lks p;u fd, tkus okys n¨ funs”kdä d¨ funs”kd e.My esa “kfey djuk visf{kr g¨xkA fnukad 03.06.2011 d¨ “ks;j/kkjdä esa Lks rhu o"käZ dh vof/k ds fy, fuokZfpr funs”kdä dh Lke;-Lkhek fnukad 02.06.2014 d¨ LkekIr g¨ jgh gS A

funs”kd eaMy us fnukad 10.05.2014 dh viuh cSBd esa dsUæh; Lkjdkj ds vfrfjä cSad dh okÆ"kd LkkekU; cSBd esa pquko ÁfØ;k }kjk 'ks;j/kkjdä esa Lks n¨ funs”kdä d¨ fu;qä djus dk fu.kZ; fy;k gS A

funs”kd, mLk frfFk Lks tc og fuokZfpr gqvk gS ;k fuokZfpr Lke>k x;k gS dk;ZÒkj xzg.k djsxk rFkk rhu o’kZ dh vof/k rd mLk in ij cuk jgsxk A

2- Á‚DLkh dh fu;qfä%

;|fi, bLk Ádkj Lks fu;qä Á‚DLkh d¨ cSBd esa vius fopkj j[kus dk d¨bZ vf/kdkj ugh g¨xk A

iatkc ,.M fla/k cSad (“ks;j o cSBd) fofu;e, 2008 ds Áko/kkuä ds vuqLkkj iatkc ,.M ÇLk/k cSad ds fdLkh vf/kdkjh ;k deZpkjh d¨ Á‚DLkh fu;qä ugh fd;k tk,xkA

fofu;eä ds fofu;e 70 (vi) ds vuqLkkj Á‚DLkh d¨ fn, x, fyf[kr Lks O;fäxr :i Lks cSBd esa ernku dk vf/kdkj ugh g¨xk ftLkLks fyf[kr Lkacaf/kr gS A

Á‚DLkh QkeZ (vuqyXud –Mh) rÒh ÁÒkoh g¨xk tc og cSd ds 'ks;j d{k, Á.dk. ys[kk ,oa ys[kk ijh{kk foÒkx,ÁFke ry, 21-jktsUæ IysLk, ubZ fnYyh-110008 esa okÆ"kd LkkekU; cSBd dh frfFk Lks de Lks de pkj fnu igys vFkkZr~ fnukad 25.06.2014 (cq/kokj) d¨ Lkka; 5 cts vFkok cSad ds dk;Z?kaVä ds LkekIr güs Lks iwoZ ÁkIr g¨ tk,A bLkds LkkFk eq[rkjukek ;k vU; vf/kdkj i= ;fn d¨bZ gS, t¨fd gLrkf{kjr gS vFkok u¨Vjh ifCyd ;k eftLVªsV }kjk Áekf.kr gS LkR; Áfr ds :i esa ÁLrqr fd;k tk, c'kZrs ;g eq[rkjukek vFkok vf/kdkj i= iwoZ esa cSad ds ikLk tek gS rFkk jftLVMZ gS A

3- vf/kÑr Áfrfuf/k dh fu;qfä%

d¨bZ Òh O;fä t¨ fdLkh daiuh ;k fuxfer fudk; t¨fd cSad dk 'ks;j/kkjd gS ds fof/kor~ Áfrfuf/k ds :i esa cSBd esa Òkx ysus vFkok o¨V nsus ds fy, rc rd ik= ugh g¨xk tc rd fd mLks ,d ;Fkkfof/k vf/kÑr Áfrfuf/k ds :i esa fu;qä djus Lkaca/kh LkadYi dh ,d Áfr mLk cSBd ds v/;{k ftLkesa ;g ikfjr fd;k x;k Fkk, }kjk Áekf.kr fd;k x;k g¨, cSBd dh rkjh[k Lks 4 fnu iwoZ vFkkZr~ 25.06.2014 (cq/kokj) d¨ Lkka; 5 cts ;k bLkLks igys 'ks;j d{k,Á.dk. ys[kk ,oa ys[kk ijh{kk foÒkx, ÁFke ry, 21-jktsUæ IysLk, ubZ fnYyh-110008 ÁkIr g¨ tkuh pkfg, A

iatkc ,.M fla/k cSad ('ks;j o cSBd) fofu;e, 2008 ds Áko/kkuä ds vuqLkkj iatkc ,.M ÇLk/k cSad ds fdLkh vf/kdkjh ;k deZpkjh d¨ vf/kÑr Áfrfuf/k ds :i esa fu;qä ugh fd;k tk Lkdrk gSA

4- iathdj.k, mifLFkfr ipÊ rFkk Áos’k ikLk%

'ks;j/kkjdä d¨ cSBd esa Òkx ysus dh Lkqfo/kk Ánku djus gsrq fnukad 30.06.2014 d¨ Ákr% 8.00 cts iathdj.k cSBd LFky ij


Punjab & Sind Bank

NOTES1. EXPLANATORY STATEMENT:

The Explanatory Statement setting out the material facts in respect of Item No. 3 of the Notice regarding Election of Directors is annexed below.

Explanatory statements setting out the material facts in respect of agenda item No. 3

The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980, inter alia, provides that where the capital issued under Clause (C) of sub section (2 B) of Section 3 of the Act (other than to the Central Government), is more than 16% but not more than 32% of the total paid up capital, the Shareholders would be entitled to elect two directors from amongst themselves.

Bank is required to have two directors on Board of Directors to be elected by the Shareholders from amongst themselves. Two directors elected on 03.06.2011 from amongst the shareholders, for a period of three years, completed their term on 02.06.2014.

shareholders other than the Central Government, through the process of election at the Annual General Meeting of the Bank.

2. APPOINTMENT OF PROXY:A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE MEETING IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE INSTEAD OF HIMSELF/ HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.

However, the proxy so appointed will not have any right to speak at the meeting.

of Punjab & Sind Bank (Shares and Meetings) Regulations, 2008.

As per the regulation 70 (vi) of Regulations, the grantor of an instrument of proxy shall not be entitled to vote in person at the meeting to which such instrument relates.

& Audit Department, 1st

together with the Power of Attorney or other authority, if any, under which it is signed or a copy of that Power

Attorney or other authority has been previously deposited and registered with the Bank.

3. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE :

No person shall be entitled to attend or vote at the meeting as a duly authorized representative of a company or any other Body Corporate which is a shareholder of the Bank, unless a copy of the Resolution appointing

st

21-Rajendra Place, New Delhi-110 008 at least four days before the date of the Annual General Meeting, i.e.

as per provisions of Punjab & Sind Bank (Shares and Meetings) Regulations, 2008.

4. REGISTRATION, ATTENDENCE SLIP AND ENTRY SLIP:

In order to facilitate the shareholders attending the meeting, Registration process will commence from 8.00 a.m.



vkjaÒ g¨xkA “ks;j/kkjdä d¨ iathdj.k v©ipkfjdrkvksa d¨ iw.kZ djus gsrq cSBd es Lke; Lks igys mifLFkr güs dk vuqj¨/k gSA

'ks;j/kkjdä dh Lkqfo/kk gsrq bLk u¨fVLk ds LkkFk mifLFkfr ipÊ rFkk Áos'k ikLk vuqca/k “bZ+” ij LkayXu gSA 'ks;j/kkjdä / Á‚DLkh /kkjdä/ vf/kÑr Áfrfuf/k;ä Lks vuqj¨/k gS fd mifLFkfr ipÊ Òj dj, mLkesa n'kkZ, x, LFkku ij vius gLrk{kj dj, bLkd¨ cSBd LFky ij Lk©i nsa bLkds i'pkr gh mUgs Áos'k ipÊ tkjh dh tk, A 'ks;j/kkjd ds Á‚DLkh /vf/kÑr Áfrfuf/k tSLkh Òh fLFkfr g¨ ÁkDLkh/vf/kÑr Áfrfuf/k mifLFkfr ipÊ ij ÁkDLkh ;k vf/kÑr Áfrfuf/k vafdr djsxkA 'ks;j/kkjdä /Á‚DLkh /kkjdä/Ákf/kÑr Áfrfuf/k;ä d¨ Lkwfpr fd;k tkrk gS fd cSBd esa Áos'k dk vf/kdkj LkR;kiu/tkap, tSLkk Òh vko';d Lke>k tk,xk, ds i'pkr g¨xk, v©j mud¨ oS/k igpku i= tSLks ernkrk igpku i= /fu;¨äk igpku i=/iSu dkMZ/ikLki¨VZ /MªkbÇox ykbLksaLk vkfn d¨ LkkFk esa ykus dh Lkykg nh tkrh gSA

5- 'ks;j varj.k ,tsUVä ds LkkFk i=-O;ogkj%

'ks;j/kkjd ftuds ikLk 'ks;j Ò©frd fLFkfr esa gSa, Lks iathÑr irs, bZ-esy irs, cSad fooj.k vkfn esa gq, ifjorZuä, ;fn d¨bZ gS r¨, mLkdh Lkwpuk cSd ds 'ks;j varj.k ,tsUV d¨ fuEu irs ij nh tk,%

Çyd buVkbe bafM;k Ák.fy.;wfuV iatkc ,.M ÇLk/k cSad,44, dEI;qfuVh LksUVj, nwLkjh eafty,ukjk;.kk v©|ksfxd {ks=, Qst+-Iutnhd ih.oh.vkj.ujk;k.kkubZ fnYyh-110028Qü% 011 41410592, 41410593

'ks;j/kkjd ftuds ikLk 'ks;j vÒ©frd :i esa gSa Lks vuqj¨/k gS fd os mij¨ä ifjorZu vius fMikft+V‚jh LkgÒkxh d¨ Lkwfpr djsa A

6- jftLVjä dk can gük%

cSad ds 'ks;j /kkjdä dk jftLVj ,oa 'ks;j varj.k cgh fnukad 14.06.2014 Lks 30.06.2014 rd (nüä fnuä Lkfgr) (d) okÆ"kd LkkekU; cSBd ([k) p©Fkh okÆ"kd LkkekU; cSBd esa cSad }kjk vafre ykÒka'k, ;fn d¨bZ g¨, ÁkIr djus ds fy, 'ks;j/kkjdä dh ik=rk dk fu/kkZj.k djus gsrq can jgsaxsA

ftu 'ks;j /kkjdä dk uke dkj¨ckjh ?kaVä vFkkZr~ 30.05.2014 (t¨ “vafre frfFk” ds :i esa ekuh tk,xh) d¨ ,u.,l.Mh.,y/Lkh.Mh.,Lk.,y. }kjk miyC/k djk, x, 'ks;j/kkjdä / ykÒkFkÊ ds :i esa jftLVj ij gSa, d¨ 'ks;j/kkjdä ds e/; Lks, vFkkZr~ ukfer djus, pquko yM+us v©j funs'kdä ds pquko esa o¨V / bZ-o¨V nsus ds fy,, dsaæh; Lkjdkj rFkk ,ts.Mk enä ds vfrfjä LkgÒkfxrk djus gsrq ik= gäxsA

8- ykÒka’k dk Òqxrku%

cSad ds funs'kd e.My usa viuh fnukad 10.05.2014 d¨ vk;¨ftr cSBd esa foŸkh; o"kZ 2013-14 ds fy, ÁR;sd 10/- :i, ds bfDoVh 'ks;j ds fy, vafre ykÒka'k 0.60 :i, (dsoy LkkB iSLks) (16.01.2014 d¨ ?k¨f"kr rFkk 31.01.2014 d¨ Ánr vafre ykÒka'k 1.60 :i, Áfr 'ks;j d¨ N¨M+dj) dh fLkQkfj'k dhA funs'kd e.My }kjk LkaLrqfr rFkk p©Fkh LkkekU; cSBd ds vuqe¨fnr ykÒka'k dk Òqxrku fuEukuqLkkj fd;k tk,xkA

d. fnukad 13.06.2014 d¨ dkj¨ckj Lke; dh LkekfIr ij us'kuy fLkD;wfjVht fMi¨ftVjh fyfeVsM (,u,LkMh,y) v©j LksUVªy fMi¨ftVjh LkÆoLkst(bafM;k) fy. (,uMh,Lk,y) }kjk miyC/k djk, x, vkadMs ds vuqLkkj bySsDVªkWfud :i esa /kkfjr 'ks;jä ds LkÒh ykÒkFkÊ Lokfe;ä dÄ

[k. fnukad 13.06.2014 ds dk;Zdky dh LkekfIr vFkkZr~ 5.00 cts rd ;k mLkLks igys cSad / cSad ds jftLVªkj v©j 'ks;j gLrkarj.k ,tsUV vFkkZr~ Çyd buVkbZe bafM;k Ák.fy. ds ikLk ntZ 'ks;j gLrkarj.k vuqj¨/k ds Lkaca/k esa oS/k gLrkarj.k ÁÒkoh djus ds i'pkr~ Ò©frd :i esa /kkfjr 'ks;jä ds Lkaca/k esa LkÒh LknL;ä dÄ

x. p©Fkh okÆ"kd cSBd dh frfFk Lks 30 fnu ds vanj ik= “ks;j/kkjdä d¨ ykÒka'k forfjr fd;k tk,xkA


Punjab & Sind Bank

on 30.06.2014, at the venue. Shareholders are requested to be present for the meeting well in advance, to complete the Registration formalities.

space provided therein and surrender the same at the venue and thereafter entry slip shall be issued to them.

Representative’ as the case may be. Shareholders / Proxy holders / Authorised Representatives may note that

are advised to carry valid proof of identity viz., Voters ID Card / Employer Identity Card / Pan Card / Passport / Driving license etc.

5. COMMUNICATION WITH THE SHARE TRANSFER AGENT:

Shareholders holding shares in physical form are requested to intimate changes, if any, in their Registered Addresses, email address, bank details etc. to the Share Transfer Agent of the Bank at the following address:

Link Intime India Pvt Ltd.Unit : Punjab & Sind Bank 44, Community Centre, 2nd Floor, Naraina Industrial Area, Phase-I,Near PVR Naraina,

[email protected]

Shareholders holding shares in dematerialised form are requested to intimate the aforesaid changes only to their depository participants.

6. CLOSURE OF BOOKS:

The Register of shareholders and the share transfer books of the Bank will remain closed from 14.06.2014 to 30.06.2014 (both days inclusive) in connection with (a) the Annual General Meeting and (b) to determine the

7. CUT-OFF DATE FOR THE PURPOSE OF ASCERTAINMENT OF SHAREHOLDERS ENTITLED TO PARTICIPATE IN THE ELECTION & VOTE/e-VOTE TO ELECT TWO DIRECTORS AND OTHER AGENDA ITEMS:

shall be entitled to participate i.e. nominate, contest and vote/e-vote in election of directors from amongst Shareholders other than Central Government and other agenda items.

8. PAYMENT OF DIVIDEND

0.60 (paise sixty only) (excluding interim dividend of Rs. 1.60 per equity share declared on 16.01.2014, paid on

by the Board of Directors, approved and declared at the 4th Annual General Meeting will be paid as under:

by the National Securities Depository Services Ltd. (NSDL) / Central Depository Services (India) Ltd. (CDSL) as of the close of business hours on 13.06.2014.

b. To all the members in respect of shares held in physical form after giving effect to valid transfers, if any, in respect of transfer requests lodged with the Bank/ Bank’s Registrar and Share Transfer Agent, i.e., Link

th

Annual General Meeting.



9- ykÒka’k vf/kns’k/Mkd irs esa ifjorZu:d. bySDVª¨fud :i esa j[ks x, ykÒkFkÊ “ks;j/kkjdä d¨ ,rn~ }kjk Lkwfpr fd;k tkrk gS fd muds Lkacaf/kr fMi¨ftVjh [kkrs esa

iathÑr cSad fooj.kä d¨ cSad }kjk ykÒka'k dk Òqxrku djus ds fy, mi;¨x esa yk;k tk,xkA cSad vFkok bLkdk jftLVj ,oa 'ks;j gLrkarj.k ,tsUV , bySDVª¨fud :i esa 'ks;j j[kus okys LknL;ä Lks Lkh/ks gh ÁkIr ,sLks fdLkh vuqj¨/k ij dkjZokbZ ugÈ djsxk t¨ cSad fooj.kä vFkok cSad vf/kns'k Lks Lkacaf/kr gäxsA ,sLks ifjorZuä dh Lkwpuk dsoy muds fMi¨ftVjh LkgÒkxh d¨ gh nh tkuh pkfg,A

[k. Ò©frd :i Lks 'ks;j j[kus okys LknL;ä Lks vuqj¨/k gS fd ;fn muds irs rFkk cSad fooj.k esa d¨bZ ifjorZu g¨ r¨ bLkdh Lkwpuk rRdky cSad ds jftLVªkj v©j 'ks;j gLrkarj.k ,tsUV vFkkZr~ Çyd buVkbZe bafM;k Ák.fy. d¨ nsA bySDVª¨fud :i esa 'ks;j j[kus okys LknL;ä d¨ vius irs esa fdLkh Ádkj ds ifjorZu dh Lkwpuk vo'; gh vius Lkacaf/kr LkgÒkxh fMi¨ftVjh d¨ nsuh pkfg,A cSad vFkok cSad ds jftLVªkj ,o 'ks;j gLrkarj.k ,tsUV d¨ Lkwpuk nsus dh vko';drk ugÈ gSA

x. LknL;ä Lks vuqj¨/k gS fd os cSad vFkok cSad ds jftLVªkj ,o 'ks;j gLrkarj.k ,tsUV ds LkkFk fdLkh Òh Ádkj ds i= O;ogkj esa vius Lkacaf/kr Q¨fy;¨ uacj (muds fy, ftuds ikLk 'ks;j Ò©frd :i esa gS) v©j viuk MhihvkbZMh/xzkgd vkbZ Mh uacj (muds fy, ftuds ikLk 'ks;j bySDVª¨fud :i esa gSa) dk vo'; mYys[k djsaA

10- vnRr ykÒka’k, ;fn d¨bZ g¨:'ks;j/kkjd Ñi;k /;kuiwoZd u¨V djs fd cSaÇdx daiuh (miØeä dk vtZu oa varj.k) vf/kfu;e 1980 esa Lka'k¨/ku ds QyLo:i cSaddkjh daiuh (miØeä dk vtZu oa varj.k) rFkk forh; LkaLFkku fof/k (Lka'k¨/ku) vf/kfu;e 2006 ds eÌsutj LkkoZtfud {ks= ds cSadä ds fy, ;g vfuok;Z gS fd o¨ mä vf/kfu;e ykxw güs ds ckn igys ds o"käZ esa cdk;k jg xbZ jkf'k d¨ vnRr / vnkok ykÒka'k [kkrs esa rFkk bLkds LkkFk gh mä vf/kfu;e ykxw güsa ds ckn “vnRr ykÒka'k [kkrs ” esa varfjr djsaA

mä “ vnRr ykÒka'k [kkrs ” esa varfjr jkf'k rFkk varj.k dh frfFk Lks Lkkr o"kZ dh vof/k gsrq cph gqbZ vnkokÑr/vnRr jkf'k d¨ LFkkfir fuos'kd f'k{kk oa Lkaj{k.k fuf/k esa varfjr fd;k tkuk visf{kr gS rFkk bLkds i'pkr cSad vFkok Q.M ds ikLk d¨bZ nkok ÁLrqr ugÈ fd;k tk,xkA

11- Q¨fy;ä dk Lkesdu%

ftu “ks;j/kkjdä ds ikLk ,d Lks vf/kd [kkrä esa vius Lke:i uke Lks 'ks;j gS , muLks vuqj¨/k gS fd os Çyd buVkbZe bafM;k Ák.fy. (vkj .Vh.,.) d¨ 'ks;j Áek.k-i=ä ds LkkFk ,sLks [kkrä ds ystj Q¨fy;¨ ds LkkFk Lkwfpr djsa rkfd cSad ,d [kkrs es LkÒh /kkfjr 'ks;jä dk Lkesdu djusa esa Lk{ke g¨ LkdsA i`"Bkadu Lkaca/kh vko';d dkjZokbZ djus ds ckn, LknL;ä ds 'ks;j Áek.k i= ;Fkk Lke; y©Vk fn, tk,axsA

12- 'ks;j /kkjdä Lks vuqj¨/k%

Ñi;k u¨V djsa fd okÆ"kd LkkekU; cSBd esa okÆ"kd fji¨VZ dh Áfr;ka forfjr ugÈ dh tk,axhAvr: “ks;j/kkjdä /izkWDLkh /kkjdä/Ákf/kÑr Áfrfuf/k;ä Lks vuqj¨/k gS fd os cSBd esa okÆ"kd fji¨VZ dh viuh Áfr LkkFk ysdj vk,A

13- ’ks;j /kkjdä ds erkf/kdkj%

vf/kfu;e dh /kkjk 3(2 bZ) esa fn, x, Áko/kkuä dh 'kräZ ds vuqLkkj dsUæ Lkjdkj ds vykok, cSad dk d¨bZ Òh 'ks;j/kkjd vius }kjk /kkjd 'ks;jksa, cSad ds LkÒh 'ks;j /kkjdä ds dqy erkf/kdkj dk 10 Áfr'kr Lks vf/kd 'ks;j, j[krk gS r¨ og erkf/kdkj dk ik= ugÈ g¨xkA

funs’kdä dk pquko%

14- cSad ds funs'kd ds :i esa pqus tkus gsrq vko';d ;¨X;rk,a

vf/kfu;e dh /kkjk 9 (3 ,) esa nh xbZ 'kräZ ds vuqLkkj, vkosnd d¨ cSad dk 'ks;j/kkjd gük pkfg+, v©j t¨ vf/kfu;e ds [kaM (1) mi/kkjk (3) ds vuqLkj.k esa funs'kd pquk tkuk pkgrk g¨, gük pkfg,:

(dk) ftLkd¨ uker: ,d ;k vf/kd ekeyä esa fo'ks"k tkudkjh ;k O;ogkfjd vuqÒo gük pkfg, : -

- Ñf"k ,oa xzkeh.k vFkZO;oLFkk

- cSaÇdx


Punjab & Sind Bank

9. DIVIDEND MANDATE / CHANGE OF ADDRESS

against their respective depository account will be used by the Bank for payment of dividend. The Bank or its Registrar and Share Transfer Agent can not act on any request received directly from the shareholders holding shares in electronic form for any change of bank particulars or bank mandate. Such changes are to be advised only to their Depository Participant.

b. Shareholders holding shares in physical form are requested to advise any change of address, bank details immediately to the Bank’s Registrar and Share Transfer Agent, i.e. Link Intime India Pvt. Ltd. Shareholders holding shares in electronic form must send the advice about change in address, bank details to their respective Depository Participant only and not to the Bank or Bank’s Registrar and Share Transfer Agent.

c. Shareholders are requested to invariably quote their respective folio number/s (for those holding shares in physical form) and their respective DP ID / Client ID number (for those holding shares in electronic form) in any correspondence with the Bank or Bank’s Registrar and Share Transfer Agent.

10. UNPAID DIVIDEND, IF ANY

Shareholders are requested to carefully note that pursuant to amendment in Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 vide “The Banking Companies (Acquisition and Transfer of Undertakings) And Financial Institutions Laws (Amendment) Act, 2006, Public Sector Banks are required to transfer amount remaining unpaid/unclaimed in dividend accounts of earlier years on the commencement of the aforesaid Act,

of seven years from the date of transfer is required to be transferred to the Investors Education and Protection Fund established and thereafter no claim for payment shall lie in respect thereof to the Bank or the Fund.

11. CONSOLIDATION OF FOLIOS:

The shareholders who are holding shares in identical order of names in more than one folio, are requested to

Shareholders after making necessary endorsement in due course.

12. REQUEST TO SHAREHOLDERS:

Shareholders / Proxy holders / Authorised Representatives are requested to bring their copies of the Annual Report to the Annual General Meeting. No copy of the Annual report shall be provided at the venue of the Annual General Meeting.

13. VOTING RIGHTS OF SHAREHOLDERS:

In terms of the provisions of Section 3 (2E) of the Act, no shareholder of the 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.

ELECTION OF DIRECTORS:

14. QUALIFICATION REQUIRED FOR BEING ELECTED AS A DIRECTOR OF THE BANK

In terms of Section 9(3-A) of the Act, a candidate being a Shareholder of the Bank and who desires to be elected as Director under the clause (i) of Sub section (3) of the Act shall -

A) have special knowledge or practical experience in respect of one or more of the following matters namely:-

- agriculture and rural economy;

- banking



- Lkgdkfjrk

- vFkZ'kkL=

- foŸk

- dkuwu

- y?kq m|ksx

- Òkjrh; fjt+oZ cSad dh jk; esa cSad ds fgr esa vU; fdLkh ekeys dh fo'ks"k tkudkjh ,oa O;ogkfjd vuqÒoA

([k) tekdrkZvksa ds fgrä dk Áfrfuf/kRo djs ; vFkok

(x) fdLkkuä, dkexkjä, f'kYidkj

vf/kfu;e dh /kkjk 9(3,,) dh 'kräZ ds vuqLkkj, vkosnd d¨ cSad dk 'ks;j/kkjd gük pkfg, v©j cSad dk funs'kd cuus gsrq Òkjrh; fjt+oZ cSad }kjk bLk Lkaca/k esa t+kjh “fQV ,oa izkWij” fn'kkfunsZ'kä ds vuqLkj.k esa gük pkfg,A bLkds vfrfjä, pqus gq, funs'kd d¨, djkj dk foys[k fu"ikfnr djuk g¨xk v©j bLk Lkaca/k esa, Òkjrh; fjt+oZ cSad }kjk fu/kkZfjr okÆ"kd ?k¨"k.kkvksa

/ ifjorZuä, ;fn d¨bZ g¨, d¨ ÁLrqr djuk vko';d gSA

15- cSad ds funs’kd pqus tkus esa v;¨X;rk%

d) jk"Vªh;Ñr cSadä (Áca/ku ,oa fofÒé Áko/kku) ;¨tuk, 1980 ds [kaM 10 ds vuqLkkj, ,d O;fä d¨ funs'kd ds :i esa ;k fu;qä güs Lks v;¨X; fd;k tk Lkdrk gS%

d) ;fn mLkd¨ fnokfy;k ;k mLkLks Òqxrku esa pwd ;k vius nsunkjä Lks /k¨[kk/kM+h dh gS ;k

[k) ;fn mLks fnekxh :i Lks fof{kIr ik;k x;k gS v©j Lk{ke vnkyr }kjk ikxy djkj fn;k x;k g¨ ;k

x) ;fn mLkd¨ Q©tnkjh vnkyr }kjk fdLkh vijk/k ds fy, naM fn;k x;k g¨, ftLkesa uSfrd iru LkfEefyr gSA

?k) ;fn og, fdLkh jk"Vªh;Ñr cSad ;k Òkjrh; LVsV cSad vf/kfu;e, 1955 dh /kkjk 3 dh mi/kkjk (1) ds varxZr~ xfBr Òkjrh; LVsV cSad ;k Òkjrh; LVsV cSad (Lkgk;d cSad) vf/kfu;e, 1959 ds varxZr~ xfBr Lkgk;d cSad, iw.kZ-dkfyd funs'kd ds in /kkj.k ds vykok ftLkesa v/;{k ,oa Áca/k funs'kd LkfEefyr gS v©j vf/kfu;e dh /kkjk 9 dh mi/kkjk (3) ds [kaM (b) ,oa (,Q) ds varxZr~ cSad ds deZpkfj;ä esa Lks ukfer funs'kd ds vfrfjä,ykÒ ds in ij vkLkhu gSA

[k) ;fn og Òkjrh; fjt+oZ cSad }kjk fnukad 01.11.2007 d¨ tkjh nüä vf/kLkwpukvksa Lka. Mhchv¨Mh. ua.chLkhua. 46/29.39.001/2007-08 ,oa Lka.Mhchv¨Mh. ua. chLkhua. 47/29.39.001/2007-08 rFkk fnukad 23.05.2011 d¨ tkjh vf/kLkwpuk Mhchv¨Mh. ua. chLkh. ua. 95/29.39.001/2010-11 ds vuqLkkj rFkk/vFkok Òkjrh; fjt+oZ cSad }kjk Lke;-Lke; ij tkjh fn'kk-funsZ'kä ds vuqLkkj "fQV ,.M izksij" ugÈ ik;k tkrk gSA

16- funs’kdä dk dk;Zdky%

;¨tuk ds [kaM 9(4) ds vuqLkkj, ,d pquk gqvk funs'kd rhu o"kZ gsrq in ij cuk jgsxk v©j iqu% pquko dk ik= g¨xkA

;|fi bLk Ádkj dk d¨bZ Òh funs'kd N% o"kZ dh vof/k Lks vf/kd funs'kd ds in ij ugh jg LkdrkA

'ks;j/kkjdä ds LkaKku esa yk;k tkrk gS fd vf/kfu;e dh /kkjk 9 (3ch) ds vuqLkkj, mä vf/kfu;e dh /kkjk 9(3)(i) ds varxZr~ pqus gq, funs'kd t¨ mij¨Dr vf/kfu;e dh /kkjk 9 (3,) rFkk 3(,,) dh vgZrkvksa d¨ iwjk ugÈ djrs gSa, mUgsa gVkus dk vf/kdkj Òkjrh; fjt+oZ cSad ds ikLk gSA

17. pquko ds fy, mEehnokjä dk ukekadu:1- fdLkh Òh mEehnokj dk funs'kd gsrq ukaekadu rc rd oS/k ugÈ g¨xk ;fn,d) og cSad dk 'ks;j/kkjd g¨ rFkk fnukad 30.05.2014 t¨ fd pquko gsrq fu/kkZfjr frfFk gS d¨ mLkds ikLk de Lks de 100

'ks;j gäA

[k) og ukekadu dh ÁkfIr dh vafre frfFk vFkkZr 14.06.2014 d¨ cSaÇdx daiuh (miØeä dk vtZu ,oa varj.k) vf/kfu;e,1980 ;k jk"Vªh;Ñr cSd (Áca/ku v©j fofo/k Áko/kkuä) ;¨tuk, 1980/Òk.fj.cSad ds varxZr funs'kd ds p;u gsrq v;¨X; ?k¨f"kr u gqvk gÄ


Punjab & Sind Bank

- co-operation;

- economics;

- law;

- small-scale industry;

- any other matter the special knowledge of and practical experience in which, would, in the opinion of the Reserve Bank be useful for the Bank.

B) represents the interest of depositors; or

C) represent the interest of farmers, workers and artisans.

In terms of Section 9(3AA) of the Act a candidate being a shareholder of the Bank and desires to be a Director

in this regard. Further the elected Director shall also execute the deed of covenant and is required to furnish annual declarations/ changes, if any, as prescribed by the Reserve Bank of India in this regard.

15. DISQUALIFICATION FROM BEING ELECTED AS A DIRECTOR OF THE BANK:

A. In terms of Clause 10 of the Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1980,

a) if he has at any time been adjudicated as insolvent or has suspended payment or has compounded with his creditors ; or

b) if he has been found to be of unsound mind and stands so declared by a competent Court; orc) if he has been convicted by a criminal court of an offence which involves moral turpitude; or

d)

whole-time director, including the Managing Director and directors nominated under Clause (e) and (f) of Sub-Section (3) of Section 9 of the Act from among the employees of the Bank.

B. 46/29.39.001/ 2007-08, 47

16. TENURE OF DIRECTORS:

for re-election.

Provided that no such director shall hold office continuously for a period exceeding six years.

Section 9 (3A) & (3AA) of the said Act.

17. NOMINATION OF CANDIDATES FOR ELECTION:

1. No nomination of a candidate for election as a Director shall be valid unless,

being the cut-off date for participating in the election ;

b. He/she is, as on 14.06.2014,under the Banking Companies (Acquisition & Transfer of Undertakings) Act 1980 or under The Nationalised Banks (Management & Miscellaneous Provisions) Scheme, 1980 / RBI;



x) vf/kfu;e ds varxZr ukekadu de Lks de ,sLks 100 'ks;j/kkjd t¨ funs'kd dk p;u djus ds ik= gä,}kjk gLrkf{kjr g¨, c'krsZ fdLkh ,sLks 'ks;j/kkjd, t¨ fd ,d daiuh g¨ ,r¨ mLk daiuh ds funs'kdä }kjk ,d eLk©nk ikLk güs ds ckn fd;k tk,xk v©j tgka og bLk Ádkj fd;k x;k g¨ ogka og LkadYi ftLk LkÒk Lks ikfjr fd;k x;k Fkk, mLk LkÒk ds LkÒkifr }kjk LkR; Áfrfyfi ds :i esa Áekf.kr mDr LkadYi dh ,d Áfr cSad ds Á/kku dk;kZy; ds Lkgk;d egkÁca/kd, Á/kku dk;kZy; ys[kk ,oa ys[kk ijh{kk foÒkx ('ks;j d{k), 21-jktsaæ IysLk, ubZ fnYyh d¨ Ásf"kr dh tk,xh

v©j ,sLkh Áfr d¨ bLk Ádkj dh daiuh dh v¨j Lks fd;k x;k ukekadu ekuk tk;sxkA

?k) mDr ukekadu fdLkh U;k;/kh'k ,eftLVªsV, chek iath;d ;k mi iath;d ;k vU; jktif=r vf/kdkjh ;k Òkjrh; fjtoZ cSd ;k fdLkh jk"Vªh;Ñr cSad ds fdLkh vf/kdkjh ds Lke{k mDr vH;FkÊ }kjk gLrkf{kjr bLk vk'k; ds ?k¨"k.kki= ds LkkFk g¨xk fd og ukekadu Lohdkj djrk gS rFkk pquko ds fy, ÁR;k'kh cuus dk bPNqd gS rFkk og mDr vf/kfu;e ;k ;¨tuk ;k bu fofu;eä ds rgr fdLkh Òh :i esa funs'kd cuus ds fy, v;¨X; ?k¨f"kr ugÈ gqvk gSA

2. d¨bZ Òh ukaekadu rc rd oS/k ugÈ g¨xk tc rd fd og LkÒh LkEc} Áys[kä ds LkkFk iw.kZ #i Lks ifjiw.kZ cSad ds Á/kku dk;kZy; esa Lkgk;d egkÁca/kd, Á/kku dk;kZy; ys[kk ,oa ys[kk ijh{kk foÒkx('ks;j d{k), 21- jktsaæ IysLk, ubZ fnYyh -110008 d¨ LkÒh dk;Z fnoLkä vSj fu;r frfFk Lks de Lks de 14 fnu igys vFkkZr 14 twu 2014 d¨ Lkka; 2 cts rd ÁkIr g¨ tk,A

18- ukekadu QkeäZ d¨ tek djuk%

,sLks 'ks;j/kkjd, dsUæh; Lkdkj ds vfrfjä t¨ cSd ds “ks;j/kkjdä esa Lks pquko esa Òkx ysuk pkgrs gä, mUgsa fuEu nLrkost tek djus gäxs-

d) fn;s x;s Ák:i (vuqyXud-,) esa fof/kor~ :i Lks Òjk gqvk (?k¨"k.kk i=) t¨ fd izek.k i=ksa ds lkFk 'kSf{kd ;¨X;rk Áek.k&i=, ck;¨ MkVk, vuqÒo Áek.k&i= Lor% lR;kfir vU; ds LkkFk LkayXu g¨;

[k) Òkjrh; fjt+oZ cSd }kjk tkjh fd;s x;s "fQV ,.M izksij" fn'kk-funsZ'kä ds vuqLkj.k esa LkayXu Ák:i (vuqyXud-ch) ds vuqLkkj mEehnokj }kjk ?k¨"k.kk i= rFkk vU; vko';d LkayXud v©j

x) cSd ds de Lks de 100 ,sLks 'ks;j/kkjd ftUgsa ukekadu djus dk vf/kdkj g¨~, }kjk ÁnRr ukekadu i=, ftLkdk Ák:i (vuqyXud-Lkh) bLk Lkwpuk esa fn;k x;k gS, ,d eqgjcan fyQkQs esa ftLkds Åij 'ks;j/kkjdä ds funs'kd gsrq ukekadu

fy[kk g¨,

Lkgk;d egkÁca/kd,iatkc ,.M ÇLk/k cSd,Á/kku dk;kZy;,ys[kk ,oa ys[kk ijh{kk foÒkx ('ks;j d{k) ,21-jktsaæ IysLk,ubZ fnYyh -110008.

dks LkÒk ds fy, fu;r frfFk Lks de Lks de 14 fnu igys vFkkZr~ 'kfuokj, 14 twu, 2014 d¨ Lkka; 2 cts rd fdLkh Òh dk;Z fnoLk d¨ ÁkIr g¨ tkuk pkfg, vU;Fkk ukekadu jÌ dj fn;k tk,xkA

19- 'ks;j/kkjdä dh Lkwph dh miyC/krk:'ks;j/kkjdä }kjk pquko esa Òkx ysus ds fy,, iatkc ,.M ÇLk/k cSad ('ks;j ,oa cSBd) fofu;eu 2008 ds fofu;eu 64 esa n'kkZ, vuqLkkj 'ks;j/kkjdä dh Lkwph dh Áfr 05 twu, 2014 Lks Á/kku dk;kZy; esa miyC/k g¨xhA ftLks 'ks;j/kkjdä }kjk :0 50,000/- ewY; ds ekax MªkIV }kjk t¨ fd iatkc ,.M ÇLk/k cSad ds i{k esa rFkk ubZ fnYyh ij ns; g¨, }kjk [kjhnk tk Lkdrk gSA rFkkfi 'ks;j/kkjd jftLVj esa Áfo"V d¨bZ Òh Áfof"V ;k daI;wVj Lks ÇÁV fcuk fdLkh 'kqYd ÁkIr dj Lkdrk gSA ;fn vko';d g¨ r¨ iwjs jftLVj dk daI;wVj ÇÁV ;k mLkds fdLkh Òkx dh Áfr ;k mLkdk vko';d vkaf'kd Òkx 5/-:. Áfr 1000 'kCn dh nj Lks iwoZ Òqxrku ij Òstk tk,xkA

20- ukekaduä dh tkap:d) Òkjrh; fjt+oZ cSad }kjk fnukad 01.11.2007 d¨ tkjh "fQV ,.M izksij" fn'kk-funsZ'kä ds vuqLkkj ukekadu dh tk¡p c¨MZ

dh ukekadu Lkfefr }kjk Lkëokj, fnukad 16 twu, 2014 d¨ dh tk,xh, ukekadu ÁkIr güs dh fu;r frfFk ds ckn igys


Punjab & Sind Bank

c. the nomination is in writing signed by at least one hundred shareholders entitled to elect Directors under the Act or by their duly constituted attorney, provided that a nomination by a shareholder who is a company may be made by a resolution of the Directors of the said company and where it is so made, a copy of

Cell, Accounts & Audit Department, 21-Rajendra Place, New Delhi, such copy shall be deemed to be a nomination on behalf of such company;

d. the nomination is accompanied or contains a declaration signed by the candidate before a Judge, Magistrate,

or any Nationalized bank, that he/she accepts the nomination and is willing to stand for election and that

2. No nomination shall be valid unless it is received with all the connected documents complete in all respect,

Accounts & Audit Department, 21, Rajendra Place, New Delhi 110 008 on working day not less than 14

14 June 2014 (2.00 p.m.).

18. SUBMISSION OF NOMINATION FORMS:

Shareholders desirous of contesting the election of Directors of the Bank from amongst the Shareholders other than the Central Government should submit the following:

Guidelines issued by Reserve Bank of India and required attachments thereat; and

who are entitled to nominate, in the format(s) annexed to this Notice, in a sealed envelope and super

The Assistant General Manager

Accounts & Audit Department, 21 Rajendra Place,NewDelhi-110008

before the closing hours of the Bank i.e., 2.00 p.m. on Saturday, 14 June, 2014 failing which, the nominations are liable to be rejected.

19. AVAILABILITY OF LIST OF SHAREHOLDERS:

To enable the Shareholders to contest the election, a copy of the list of shareholders as mentioned in Regulation

h June 2014

shareholder may make extracts of any entry in the register or computer prints free of charges or if he requires a copy or computer prints of the register or any part thereof, the same will be supplied to him on pre-payment

20. SCRUTINY OF NOMINATIONS:



dk;Z fnoLk d¨ ukekaduä dh tkap dh tk,xh v©j ;fn d¨bZ ukekadu oS/k ugÈ ik;k x;k r¨ mLkd¨ dkj.k cukrs gq, jÌ dj fn;k tk,xkA

[k) ;fn p;u }kjk Òjs tkus okys inä ds fy, dsoy n¨ oS/k ukekadu gä r¨ ,sLks ukfer mEehnokj d¨ pquk gqvk eku fy;k tk;sxk v©j os vxys fnu Lks dk;Zky; laHkky ysaxs rFkk mudk uke v©j irk pqus x;s funs'kd ds :i esa Ádkf'kr fd;k tk;sxkA ,sLkh fLFkfr esa cSBd esa dksbZ pquko ugÈ fd;k tk;sxk rFkk ,tsaMk dh en Lka. 3 okfiLk ys yh tk,xhA

x) ;fn pquko djk;k tkrk gS rFkk oS/k ukekadu pquko fd;s tkusokys funs'kdä dh Lka[;k Lks vf/kd g¨ r¨ ftLk mEehnokj d¨ LkcLks T;knk o¨V feysaxs mLks fotsrk ?k¨f"kr fd;k tk,xk v©j og vxys fnu Lks dk;ZHkj xzg.k djsxk rFkk mudk uke v©j irk pqus x;s funs'kd ds :i esa Ádkf'kr fd;k tk;sxkA

?k) ;fn fdLkh Ádkj dk fookn mRié g¨rk gS r¨ iatkc ,.M ÇLk/k cSad ('ks;j ,oa cSBdsa) fofu;eu, 2008 ds fofu;eu 67 ds vuqLkkj fuiVk;k tk,xkA

;fn d¨bZ mEeh}okj viuk ukekadu okiLk ysuk pkgrk/pkgrh gS r¨ og ,sLkk 'kfuokj 28 twu 2014 dks cSad ds dk;Z ?kaVksa dh

lekfIr ls iwoZ rd dj Lkdrk/Lkdrh gSA

'ks;j d{k 'ks;j/kkjdä d¨ rhoz ,oa ÁÒkoh Lksok Ánku djus ds fy, cSad us Á/kku dk;kZy; esa 'ks;j d{k dh LFkkiuk dh gSA

'ks;j/kkjd fuEu irs ij fdLkh Ádkj dh Lkgk;rk ds fy, LkaidZ dj Lkdrs gSa

vU; tkudkjh 'ks;j/kkjd Ñi;k tku ysa fd LkÒk esa fdLkh Òh Ádkj dk migkj/migkj dwiu ugh fn;k tk,xkA dM+h Lkqj{kk ds dkj.kä Lks

gkWy ds Òhrj czhQ dsLk, [kk| inkFkZ rFkk futh oLrq,a ys tkuk euk gSA bLkfy, cSBd esa mifLFkr güs okys LkÒh O;fä vius Lkkeku dh Lkqj{kk dk Áca/k Lo;a djsa A

LFkku% ubZ fnYyh


Punjab & Sind Bank

valid, the same shall be rejected after recording the reasons therefore.

address shall be published. In such an event there shall not be any election at the meeting and Agenda Item No. 3 shall be withdrawn.

c) In the event of an election being held, if valid nominations are more than the number of directors to be elected, the candidate polling the majority of votes shall be deemed to be elected and they will assume

d) If there is any dispute, the same will be settled as per Regulation 67 of the Punjab & Sind Bank (Shares and Meetings) Regulations, 2008.

21. WITHDRAWAL OF NOMINATIONS:

If any candidate desires to withdraw his/her nomination, he/she would be entitled to do so at any time prior to closing hours of the Bank on Saturday 28th June, 2014.

SHARES Cell

The Company Secretary, Punjab & Sind Bank,

Accounts & Audit Department,21 Rajendra Place, 1st

New Delhi-110008

OTHER INFORMATION

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

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

Place : New Delhi Jatinderbir SinghDate: 19th May 2014 Chairman & Managing Director



Lkacaf/kr vf/kfu;eä, ;¨tukvksa rFkk fofu;euä vkfn dk Lkkj

cSaÇdx daiuh (miØeä dk vtZu v©j varj.k) vf/kfu;e 1980 dh /kkjk 9 (3)(i) dh “kräZ ds vuqLkkj “ks;j/kkjd funs'kdä dh fu;qfä /kkjk 3 dh mi /kkjk 2(ch) ds [k.M (Lkh) ds varxZr tkjh iwath dh Lkhek ij fuÒZj djrh gS A bLk Lkaca/k esa cSaÇdx fofu;eu vf/kfu;e 1949 dh Lkacaf/kr /kkjk cSaÇdx daiuh (miØeä dk vtZu v©j varj.k) vf/kfu;e 1980, jk"Vªh;Ñr cSad (Áca/ku rFkk fofo/k Áko/kku);¨tuk 1980 rFkk iatkc ,.M ÇLk/k cSad (“ks;j ,oa cSBdsa) fofu;eu 2008 ds Lkacaf/kr fofu;euä d¨ “ks;j/kkjdä dh tkudkjh ds

fy, fuEukuqLkkj iqu%ÁLrqr fd;k tk jgk gS-

LkkekU; funs’kdä fo"k;d Áfrca/k%

16(1) Òkjr esa fuxfer fdLkh cSaÇdx daiuh ds funs“kd e.My esa d¨bZ ,sLkk O;fä funs“kd ugh g¨xk t¨ nwLkjh cSaddkjh daiuh dk

funs“kd gS A

_.k ,oa vfxzeä ij j¨d%

/kkjk 20

daiuh vf/kfu;e 1956 (1956 dk 1) dh /kkjk 77 esa fdLkh Áfrdwy ckr ds g¨rs gq, Òh d¨bZ Òh cSaddkjh daiuh –d) vius gh “ks;jä dh ÁfrÒwfr ij _.k ,oa vafxze Ánku ugh dj Lkdrh A

[k) fuEufyf[kr d¨ mudh v©j Lks _.k ,oa vfxze Ánku djus ds fy, opuc) ugh dj Lkdrh –(i) mLkdk d¨bZ funs“kd(ii) d¨bZ ,sLkh QeZ ftLkesa mLkdh fdLkh funs“kd, Òkxhnkj / Áca/kd/ deZpkjh ds :i esa vFkok xkjafVdrkZ ds :i esa fgr) gS

;k(iii) d¨bZ ,sLkh daiuh (t¨ cSaÇdx daiuh dh Lkgk;d ;k daiuh vf/kfu;e, 1956 (1956 dk 1) dh /kkjk 25 ds varxZr iathÑr

gS ;k Lkjdkjh daiuh ;k Lkgk;d ;k Çu;=d daiuh ;k cSaÇdx daiuh dk d¨bZ funs“kd mLkdk funs“kd, Áca/kdh; ,tsaV,Áca/kd, deZpkjh ;k xkjaVhdrkZ gS ;k ftLkesa mLkdk i;kZIr fgr gS ;k

(iv) d¨bZ O;fä ftLkds fy, mLkdk d¨bZ funs“kd Lkk>hnkj ;k xkjaVhdrkZ gSA2. tgka d¨bZ _.k ;k vfxze cSaÇdx daiuh }kjk fn;k tkuk g¨ r¨ bLkds fy, d¨bZ ok;nk ugh fd;k tk Lkdrk ;fn

mi/kkjk (1) ds [k.M (6) mLk frfFk d¨ ykxw g¨ ftLk frfFk d¨ _.k ;k vfxze fn;k x;k g¨ ;k cSaÇdx daiuh }kjk cSaÇdx fof/k (Lka'k¨/ku) vf/kfu;e 1968 (1968 dk 58) dh /kkjk 5 ds ykxw güs ds ckn LohÑr fd;k x;k g¨, ysfdu bLk Ádkj ykxw güs Lks iwoZ fd, x, ok;ns d¨ fuÒkus ds fy, cSaÇdx daiuh d¨ ns; C;kt Lkfgr _.k ,oa vfxze jkf'k dh oLkwyh ds fy, mik; djus pkfg,a, ;fn _.k ;k vfxze Ánku djrs Lke; fofuÆn"V Lke; ds varxZr ns; ;k tgka /kkjk (5) ds ykxw güs Lks ,d o"kZ dh LkekfIr Lks iwoZ ,sLkk d¨bZ Lke; fofuÆn"V ugh fd;k x;k gS A

c'krsZ fjt+oZ cSad fdLkh Òh fLFkfr esa cSaÇdx daiuh }kjk bLk vk/kkj ij fd, x, fdLkh fyf[kr vkosu ij _.k ,oa vfxze dh oLkwyh dh vof/k bLk rkjh[k rd c<+k Lkdrk gS ysfdu mfYyf[kr /kkjk 5 ds ykxw güs Lks rhu o"kZ dh vof/k Lks vf/kd dh rkjh[k ugh güh pkfg, rFkk ,sLkh 'kräZ ij t¨ fjt+oZ cSad mfpr Lke>rk g¨ A

;fn tc Lkacaf/kr funs'kd e`R;q, Lksokfuo`fŸk, R;kxi= ;k vU; dkj.kä Lks cSaÇdx daiuh ds funs'kd dk;kZy; d¨ R;kx nsrk gS r¨ mij¨ä ds vfrfjä ;g mi /kkjk ykxw ugh g¨xh A

3. mi /kkjk (2) ds LkanÒZ esa d¨bZ _.k ;k vfxze ;k mLkdk d¨bZ fgLLkk fjt+oZ cSad dh iwoZ vuqefr ds fcuk vnk ugh fd;k tk,xkA ,sLkh vuqefr ds fcuk d¨bZ Òh NwV voS/k g¨xh rFkk b Lkdk d¨bZ ÁÒko ugh g¨xk A

4. tgka mi /kkjk (1) d¨ LkanÆÒr d¨bZ _.k ;k vfxze fdLkh O;fä }kjk ns; gS, ftLkdh pqd©rh cSaÇdx daiuh d¨ mi /kkjk esa fofuÆn"V vof/k esa ugh dh xbZ gS rc ,sLks O;fä d¨ ;fn og ,sLkh vof/k dh LkekfIr dh frfFk d¨ ,sLkh cSaÇdx daiuh dk funs'kd gS d¨ ,sLkh frfFk d¨ ;g ekuk tk, dh mLkus dk;kZy; N¨M+ fn;k gS A

Li"Vhdj.k – bLk /kkjk esa

d) "_.k ,oa vafxze" es ,sLkk d¨bZ ysu-nsu 'kkfey ugh g¨xk t¨fd fjt+oZ cSad ysu-nsu dh ÁÑfr, vof/k ifjfLFkfr;ka ftLkds varxZr ns; jkf'k oLkwyh ;¨X; gS, tekdrkZ dk fgr rFkk vU; Lkacaf/kr ÁfrQy, LkkekU; vFkok fo'ks"k vkns'k }kjk fofuÆn"V bLk /kkjk ds mÌs'; gsrq _.k ,oa vfxze ugh gSA


Punjab & Sind Bank

GIST OF PROVISIONS OF RELEVANT ACTS, SCHEME AND REGULATIONS ETC.

In terms of Section 9 (3) (i) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, Shareholder Directors shall have to be appointed depending upon the extent of capital issued under Clause (c) of Sub-Section 2 (B) of Section 3. The relevant Sections of The Banking Regulation Act, 1949, the Banking Companies (Acquisition and Transfer of Undertaking) Act, 1980, Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1980 and relevant regulations of the Punjab & Sind Bank (Shares and Meetings) Regulations, 2008 respectively in this regard, are reproduced below for the information of the shareholders.

THE BANKING REGULATION ACT, 1949

Prohibition of Common Directors:

16 (1) No banking company incorporated in India shall have as a Director in its Board of Directors, any person who is a Director of any other Banking Company.

Restrictions on loans and advances:

Section 20:

1. Notwithstanding anything to the contrary contained in Section 77 of the Companies Act, 1956 (1 of 1956), no banking company shall –

a) grant any loans or advances on the security of its own shares, or

b) enter into any commitment for granting any loan or advance to or on behalf of

i) any of its directors

iii) any company not being a subsidiary of the banking company or a company registered under Section 25 of the Companies Act, 1956 (1 of 1956), or a Government Company of which or the subsidiary or the holding company of which any of the directors of the banking company is a director, managing agent, manager, employee or guarantor or in which he holds substantial interest, or

iv) any individual in respect of whom any of its directors is a partner or guarantor.

2. Where any loan or advance granted by a banking company is such that a commitment for granting it could not have been made if Clause (b) of Sub-Section (1) had been in force on the date on which the loan or advance was made, or is granted by a Banking Company after the commencement of Section 5 of the Banking Laws (Amendment) Act, 1968 (58 of 1968), but in pursuance of a commitment entered into before such commencement, steps shall be taken to recover the amounts due to the banking company on account of the loan or advance together with interest, if any, due thereon within the period stipulated at the time of the grant of loan or advance, or where no such period has been stipulated, before the expiry of one year from the commencement of the said Section 5. Provided that the Reserve Bank may, in any case on any application in writing made to it by the Banking Company in this behalf, extend the period for the recovery of the loan or advance until such date, not being a date beyond the period of three years from the commencement of the said Section 5 and subject to such terms and conditions

director of the banking company, whether by death, retirement, resignation or otherwise.

3. No loan or advance, referred to in Sub-Section (2), or any part thereof shall be remitted without the previous approval of the Reserve Bank, and any remission without such approval shall be void and of no effect.

4. Where any loan or advance referred to in Sub-Section (2), payable by any person, has not been repaid to the banking

Explanation – In this Section a) “Loan or advance” shall not include any transaction which the Reserve Bank may, having regard to the nature

of the transaction, the period within which, and the manner and circumstances in which, any amount due on account of the transaction is likely to be realized, the interest of depositors and other relevant considerations, specify by general or special order as not being a loan or advance for the purpose of this section.



[k) funs'kd Lks vfÒÁk;%, Áca/ku gsrq vFkok Áca/ku ds LkeLr dk;äZ esa Lkykgkdkj gsrq, cSaÇdx daiuh }kjk xfBr fdLkh Òkjrh; Lkfefr ;k eaMy ds LknL; Lks gS A

5. ;fn d¨bZ Á'u mBrk gS r¨ bLk /kkjk esa D;k d¨bZ ysu-nsu, _.k ;k vfxze Lks Lkacaf/kr gS r¨ bLk ij fjt+oZ cSad dk fu.kZ; gh vafre fu.kZ; g¨xk A

cSaÇdx daiuh (miØeä dk vtZu ,oa varj.k) vf/kfu;e, 1980

funs’kd eaMy dh Lkajpuk%/kkjk 9 (3) (i) - tgka /kkjk 3 dh mi /kkjk 2(ch) ds [k.M (x) ds varxZr iwath tkjh dh tkrh gS%-

(i) ,d funs“kd d¨ dqy ÁnŸk iwath ds Lkÿg Áfr“kr Lks vf/kd ugh,(ii) n¨ funs“kdä d¨ dqy ÁnRr iwath dk 16 Áfr“kr Lks T;knk ijarq 32 Áfr“kr Lks T;knk ugÈ fn;k tk,xkA(iii) rhu funs“kdä d¨ dqy ÁnRr iwath dk 32 Áfr“kr Lks T;knk ugÈ fn;k tk,xkAdsaæh; Lkjdkj ds vykok vius “ks;j/kkjdä ds e/; “ks;j/kkjdä d¨ pquk tk,xk A

bLk [kaM ds varxZr ,sLks fdLkh Òh funs“kd ds p;u ds mijkar ÁÒkj ysus ds ckn [kaM (t) ds varxZr mrus funs“kd ;¨tuk esa

fofuÆn"V fu;eä ds varxZr Lksokfuo`r g¨ tk,axsA

fo'oLkuh;rk v©j xïuh;rk dk nkf;Ro :

[kaM 13(2) ÁR;sd funs“kd, LFkkuh; c¨MZ ds LknL; ;k desVh ;k vkfMVj, Lkykgdkj, vf/kdkjh ;k vuq:ih u;s cSad ds vU; deZpkjh, vius drZO;ä d¨ LkaÒkyus Lks igys rhLkjh vuqLkwph ds vuqLkkj fo'oLkuh;rk v©j xïuh;rk dh “kiFk ysaxsA

i) ;fn d¨bZ funs“kd [kaM 10 ds varxZr v;¨X; g¨rk gS ;k og yxkrkj c¨MZ dh rhu LkÒk esa fcuk NqÍh ds vuqifLFkr jgrk gS r¨ mLkdk dk;Z in [kkyh ekuk tk,xk v©j mLkds rRdky ckn mLkdk dk;kZy; [kkyh ekuk tk,xkA

ii) fu;e ds [kaM 9 ds mi [kaM (3) ds [kaM (ch) ;k [kaM(Lkh) ds varxZr LkanÆÒr v/;{k ;k dk;Zdkjh funs“kd Lkfgr iw.kZ dkfyd funs“kd ;k ,d funs“kd dsUæh; Lkjdkj d¨ fyf[kr esa u¨fVLk nsdj R;kxi= ns Lkdrk gS v©j mudk R;kxi= mLkh Lkjdkj }kjk Lohdkj dj fy;k tkrk gS r¨ muds }kjk dk;kZy; [kkyh djuk ekuk tk,xk v©j vU; d¨bZ funs“kd mLkds mijkar dsUæh; Lkjdkj d¨ fyf[kr esa viuk R;kxi= nsrk gS v©j bLk R;kxi= d¨ dsUæh; Lkjdkj }kjk R;kxi= Lohdkj djus ds ckn ekU; ekuk tk,xkA

iii) iwoZxkeh mi [kaMä ds Áko/kkuä dh iwoZ/kkj.kk ds fcuk funs“kd dk dk;kZy; fu;e ds [kaM 9 ds mi [kaM (3) ds [kaM (vkbZ);k [kaM(bZ) ds varxZr rÒh [kkyh g¨ tk,xk tc d¨bZ deZdkj ;k deZpkjh funs“kd ;k fdLkh vU; jk"Vªh;Ñr cSad dk deZpkjh t¨ fd funs“kd gS dh e`R;q g¨ tkrh gSA

(iv) p;fur funs“kd ds vfrfjDr ;fn fdLkh funs“kd ds dk;kZy; esa d¨bZ fjfä g¨rh gS , r¨ mLks vf/kfu;e ds [kaM 9 ds mi

[kaM(3) ds varxZr Òjk tk,xkA

[kaM 11d: p;fur funs’kd d¨ dk;kZy; Lks gVkuk :

dsUæh; Lkjdkj ds vykok vU; “ks;j/kkjd ftuds ikLk vf/kdre “ks;j gä t¨ fd LkÒh “ks;j/kkjdä dh “ks;j iwath

ds vk/ks Lks de u g¨ r¨ os ,d eLk©nk ikLk djds [kaM 9 ds mi [kaM (3) ds varxZr [kaM (vkbZ) ds varxZr p;fur funs“kd d¨ dk;kZy; Lks gVk Lkdrs gSa v©j fjfä d¨ Òjus ds fy, fdLkh vU; O;fä dk p;u dj Lkdrs gSA

[kaM 11 [k: p;fur funs’kd ds dk;kZy; esa fjfä d¨ Òjuk :1- ;fn fdLkh p;fur funs“kd dh dk;kZy; vof/k LkekIr güs Lks igys d¨bZ fjfä g¨rh gS r¨ mLk fjfä d¨ pquko ÁfØ;k

ds ek/;e Lks Òjk tk,xk, c“krsZ ;fn fjfä N% eghus Lks de vof/k dh g¨ r¨ mLks “ks"k funs“kdä }kjk Òjk tk,xkA

2- mi /kkjk (1) ds varxZr p;fur ;k Lkg;¨ftr O;fä tSLkk Òh ekeyk g¨, vius iwoZinkf/kdkjh dh “ks"k vof/k ds fy,


Punjab & Sind Bank

b) “Director” includes a member of any board or committee in India constituted by a banking company for the purpose of managing, or for the purpose of advising it in regard to the management of, all or any of its affairs.

5. If any question arises whether any transaction is a loan or advance for the purpose of this section, it shall be

THE BANKING COMPANIES (ACQUISITION AND TRANSFER OF UNDERTAKINGS) ACT, 1980 Composition of the Board of Directors:

Section 9 (3) (i): Where the capital issued under clause (c) of sub-section (2B) of Section 3 is: -

(I) Not more than sixteen per cent of the total paid-up capital, one Director.

(II) More than sixteen per cent but not more than thirty two percent of the total paid-up capital, two Directors.

(III) More than thirty two percent of the total paid-up capital, three Directors. to be elected by the shareholders, other than the Central Government, from amongst themselves:

Provided that on the assumption of charge after election of any such Directors under this clause, equal number

Obligation as to Fidelity and Secrecy: Section 13 (2):

and secrecy in the form set out in the Third Schedule

NATIONALISED BANKS (MANAGEMENT AND MISCELLANEOUS PROVISIONS) SCHEME, 1980

leave of the Board for more than three consecutive meetings thereof, he shall be deemed to have vacated

ii) The Chairman or a whole-time Director including the Managing Director or a Director referred to in Clause

writing to the Central Government and on such resignation being accepted by that Government shall be

writing to the Central Government and such resignation shall take effect on the receipt of the communication of the resignation by the Central Government.

(e) or Clause (f) of Sub-Section (3) of Section 9 of the Act shall become vacant as soon as the Director ceases to be a workman or an employee, other than a workman of the Nationalized Bank of which he is a Director

accordance with Sub-Section (3) of Section 9 of the Act.

The Shareholders, other than the Central Government, may, by a resolution passed by the majority of votes of such Shareholders holding in aggregate, not less than one-half of the share capital held by all such Shareholders, remove any Director elected under Clause (i) of Sub-Section (3) of Section 9 and elect instead of another person

portion of the term of his predecessor.



dk;ZÒkj LkaÒkysxkA

funs’kdä }kjk viuh vfÒ#fp ÁdV djuk:

[ka.M 12(8): d¨bZ Òh funs“kd t¨ ÁR;{k ;k vÁR;{k :i Lks jk"Vªh;Ñr cSad dh rjQ Lks fdLkh Lkafonk, _.k Lke>©rs ;k fdLkh ÁLrko Lks ;k fdLkh ÁLrko esa LkfEefyr g¨rk gS , tSLks gh Lkacaf/kr ifjfLFkfr;ka mLkd¨ irk pyrh gSa r¨ mLks viuh vfÒ:fp ds dkj.kä d¨ c¨MZ d¨ Li"V dj nsuk pkfg, v©j tc rd fdLkh Lkafonk, _.k Lke>©rs ;k fdLkh ÁLrko Lks ;k fdLkh ÁLrko esa LkfEefyr güs ds eÌsutj vU; funs“kdä }kjk Lkwpukvksa d¨ Ádk“k esa ykus ds fy, mLkdh mifLFkfr visf{kr u g¨ og O;fä c¨MZ dh LkÒk esa Òh mifLFkr ugÈ gük pkfg,a v©j u gh mLk funs“kd d¨ ,sLks fdLkh Lkafonk, _.k Lke>©rs ;k fdLkh ÁLrko ds fy, o¨V nsuk pkfg,A

i) ,d “ks;j/kkjd (funs“kd ds vfrfjDr) ,t¨ daiuh vf/kfu;e 1956(1956 dk 1) ds vuqLkkj fdLkh Òh LkkoZtfud daiuh esa ÁnŸk iwath ds 2 Áfr“kr Lks vf/kd “ks;j j[krk g¨ vFkok dkuwu ds varxZr LFkkfir d¨bZ Òh fudk;, vFkok LkkoZtfud Lkfefr, ftLkLks jk"Vªh;Ñr cSad us d¨bZ Lke>©rk, _.k gsrq LkaO;ogkj ;k ÁLrko ikfjr fd;k g¨ ;k

ii) d¨bZ vf/kdkjh ;k jk"Vªh;Ñr cSad dk d¨bZ vU; deZpkjh, t¨ vf/kfu;e ds [kaM 9 ds mi [kaM (3) ds [kaM (bZ) ;k [kaM(,Q)ds varxZr ;fn funs“kd LkanÆÒr gÄ

;fn d¨bZ “ks;j n¨ ;k vU; O;fä;ä ds uke Lks gä ,r¨ ftLk O;fä dk uke igys fy[kk g¨, d¨ o¨V djus, ykÒka“k ysus, u¨fVLk nsus v©j LkÒh ;k vU; d¨bZ ekeyk t¨ Òh g¨ ds fy, iw.kZ vf/kdkj g¨xk fLkok; iatkc ,.M ÇLk/k cSad ds “ks;j gLrkarj.k djus dk gd ugÈ g¨xkA

i) fdLkh Òh LkkekU; cSBd esa tc rd ernku dh ekax u dh tk, cSBd esa er dk fu.kZ; gkFk mBkdj gh fd;k tk,xkA

ii) tSLkk fd vf/kfu;e esa vU;Fkk oÆ.kr g¨, LkkekU; cSBd esa ÁLrqr LkÒh eqÌs cgqer ds vk/kkj ij fuÆ.kr fd;s tk,axsA

iii) mi fofu;e (i) ds varxZr tc rd fd pquko dh ekax u dh x;h g¨, cSaBd ds v/;{k }kjk ,d ?k¨"k.kki= fd ÁLrko gsrq gkFk mBkdj jtkeanh LkoZLkEefr Lks vFkok fu'fpr cgqer Lks ekaxh xbZ vFkok ugÈ v©j fjdkMZ esa dk;Zokgh Lks Lkacaf/kr Áfof"V d¨, ÁLrko ds fo#} vFkok LkeFkZu esa iM+s erä ds Áek.k ds fcuk Òh fu.kkZ;d Lkk{; ekuk tk,xkA

iv) fdLkh ÁLrko ij gkFk mBkdj jtkeanh nsus ds ifj.kke ?k¨f"kr güs ij ;k mLkLks igys, cSBd ds v/;{k }kjk futh ÁLrko }kjk v©j fdLkh ,d “ks;j/kkjd ;k “ks;j/kkjdä dh ekax ij, t¨ mLk cSBd esa mifLFkr gä ;k fdLkh Áfrfuf/k }kjk t¨ cSad dk “ks;j/kkjd g¨, t¨ eLk©ns ds Lkaca/k esa dqy o¨ÇVx vf/kdkj ds ikapoka fgLLkk j[krk g¨ dh ekax ij ernku dk vkns“k ns Lkdrk gSA

v) t¨ O;fä ;k O;fä;ä ftu ds }kjk pquko dh ekax j[kh xbZ g¨, os bLk ekax d¨ dÒh Òh okiLk ys Lkdrs gSA

vi) LFkxu ds Á'u ij ;k ehÇVx ds v/;{k ds pquko dh ekax rRdky Lohdkj dh tk,xhA

vii) ehÇVx ds v/;{k ds vkns“kkuqLkkj fdLkh vU; Á'u ij pquko dh ekax d¨ ekax ds Lke; Lks 48 ?kaVä ds Òhrj iwjk fd;k tk,xk A

viii) fdLkh O;fä dh o¨V Mkyus dh ;¨X;rk rFkk fdLkh pquko esa fdLkh O;fä }kjk o¨V Mkyus dh Lka[;k ds fu/kkZj.k esa cSBd ds v/;{k dk fu.kZ; vafre g¨xkA

fofu;eu 63 LkkekU; LkÒk esa pqus tkus okys funs’kd:i) vf/kfu;e ds [kaM 9 ds mi[kaM (3) ds [kaM(i) ds vuqLkkj fdLkh funs“kd dk p;u dsUæh; Lkjdkj ds vfrfjDr iatkc ,.M


Punjab & Sind Bank

Disclosure of Interest by Directors: Clause 12 (8): A Director who is directly or indirectly concerned or interested in any contract, loan, arrangement or proposal entered into or proposed to be entered into by or on behalf of the Nationalized Bank shall, as soon as possible after the relevant circumstances have come to his knowledge, disclose the nature of his interest to the Board and shall not be present at the meeting of the Board when any such contract, loan, arrangement or proposal is discussed unless his presence is required by the other Directors for the purpose of eliciting information and no Director so required to be present shall vote on any such contract, loan, arrangement or proposal.

Provided that nothing contained in this Sub-Clause shall apply to such Director by reason of his being:

i) A shareholder (other than a Director) holding not more than two percent of the paid up capital in any

under any law for the time being in force in India or any Co-operative Society, with which or to which the nationalized Bank has entered into or made or proposes to enter into or make, a contract, loan, arrangement or proposal, or

(f) of Sub-Section (3) of Section 9 of the Act.

PUNJAB & SIND BANK (SHARES AND MEETINGS) REGULATIONS, 2008

Regulation 10. Exercise of Rights of Joint Holders:

receipt of dividends, service of notices and all or any other matters connected with Punjab & Sind Bank except the transfer of shares, be deemed to be sole holder thereof.

MEETING OF SHAREHOLDERS Regulation 61. Voting at General Meeting. i) At any general meeting, a resolution put to the vote of the meeting shall, unless a poll is demanded, be decided

on a show of hands.

ii) Save as otherwise provided in the Act, every matter submitted to the general meeting shall be decided by a majority of votes.

iii) Unless a poll is demanded under sub-regulation (i), a declaration by the Chairman of the meeting that a resolution on show of hands has or has not been carried either unanimously or by a particular majority and an entry to that effect in the books containing the minutes of the proceedings, shall be conclusive evidence of the fact, without proof of the number or proportion of the votes cast in favour of, or against such resolution.

iv) Before or on the declaration of the result of the voting on any resolution on a show of hands, a poll may be ordered to be taken by the Chairman of the meeting of his own motion, and shall be ordered to be taken by him on a demand made in that behalf by any shareholder or shareholders present in person or by proxy and

total voting power in respect of the resolution.

v) The demand for a poll may be withdrawn at any time by the person or persons who made the demand.

vi) A poll demanded on a question of adjournment or election of Chairman of the meeting shall be taken forthwith.

vii) A poll demanded on any other question shall be taken at such time not being later than forty-eight hours from the time when the demand was made, as the chairman of the meeting may direct.

Regulation 63. Directors to be elected at General Meeting: i) A Director under Clause (i) of Sub-Section (3) of Section 9 of the Act shall be elected by the Shareholders on

the register, other than the Central Government, from amongst themselves in the General Meeting of Punjab & Sind Bank.



ÇLk/k cSad dh LkkekU; ehÇVx esa jftLVMZ “ks;j/kkjdä esa Lks gh fd;k tk,xkA

ii) ;fn fdLkh LkkekU; cSBd esa funs“kd dk p;u g¨rk gS r¨ bLkLks Lkacaf/kr Lkwpuk cSBd dh Lkwpuk ds LkkFk gh ns nh tk,xhA ,sLks LkÒh u¨fVLk esa p;fur funs“kdä dh Lka[;k v©j fjfä;ä dk fooj.k ftLkds Lkaca/k esa pquko fd;k tkrk gS dk iwjk

fooj.k Li"V gük pkfg,A

fofu;eu 64 'ks;j/kkjdä dh Lkwph :i) fofu;eu 63 ds mi fofu;e (i) ds varxZr funs“kdä ds p;u ds mÌs'; ds Lkaca/k esa, mu “ks;j/kkjdä dh ,d Lkwph cukbZ

tk,xh ftuds }kjk funs“kd dk p;u gük gSA

ii) bLk Lkwph esa “ks;j/kkjdä ds uke, muds jftLVMZ irs, “ks;jä dh Lka[;k rFkk fuÆn"V Lka[;k rFkk fnukad tc mUgsa “ks;j jftLVMZ fd;s x;s Fks rFkk ftLk ehÇVx esa o¨V gq, mLk ehÇVx dh fnukad r; djus ds fy, v©j o¨Vä dh Lka[;k v©j Lkwph dh Áfr;ka Áca/k desVh }kjk Á/kku dk;kZy; esa ekax ij fcØh gsrq fu/kkZfjr dher ij ehÇVx dh fnukad Lks de Lks de rhu LkIrkg igys miyC/k güh pkfg,A

fofu;eu 67 - pquko fookn%

i) pqus gq, ekus x, ;k ?k¨f"kr O;fä dh ;¨X;rk ;k v;¨X;rk ds Lkaca/k esa ;k fdLkh funs“kd ds pquko dh oS/krk ds Lkaca/k esa fdLkh Ádkj dk Lkansg ;k fookn mBus dh fLFkfr esa vH;FkÊ ;k “ks;j/kkjd ds :i esa fgrc) d¨bZ ,sLkk O;fä t¨ ,sLks pquko esa ernku djus dk ik= g¨, ,sLks pquko ds ifj.kke dh ?k¨"k.kk fd, tkus ds Lkkr fnuä ds Òhrj cSad ds v/;{k ,oa Áca/k funs“kd d¨ fyf[kr :i esa mLkdh Lkwpuk ns Lkdrk gS rFkk mä Lkwpuk esa pquko dh oS/krk ds Lkaca/k esa mBus okys Lkansgä v¨j fooknä ds vk/kkjä ds Lkaiw.kZ fooj.k miyC/k djk,xk A

ii) mi fofu;e (i) ds v/khu fdLkh Lkwpuk dh ÁkfIr ij cSad ds v/;{k ,oa Áca?k funs“kd ;k mudh vuqifLFkfr esa dk;Zikyd funs“kd ,sLks Lkansg ;k fookn d¨ fu.kZ; gsrq rqjar mi Lkfefr d¨ Òstsaxs, ftLkesa v/;{k ,oa Áca/k funs“kd ;k mudh vuqifLFkfr esa dk;Zikyd funs“kd v©j mä vf/kfu;e dh /kkjk 9 dh mi /kkjk (3) ds [k.M ([k) ,oa (x) ds v/khu ukfer esa Lks fdUgÈ n¨ funs“kdä dk Lkekos“k g¨xkA

iii) mi fofu;e (ii) esa mfYyf[kr mä Lkfefr ,sLks tkap djsxh t¨ mLks vko';d yxs v©j ;fn mLks ;g irk pyrk gS fd mä pquko oS/k pquko Fkk r¨ og ?k¨f"kr pquko ifj.kke dh iqf"V djsxh vFkok ;fn mLks ;g irk pyrk gS fd mä pquko oS/k ugh Fkk r¨ og tkap ÁkjaÒ güs ds 30 fnuä ds Òhrj u;k pquko djk;s tkus Lkfgr ,sLks vkns“k tkjh djsxh v©j ,sLks funs“k nsxh t¨ mu ifjfLFkfr;ä esa Lkfefr d¨ U;k;¨fpr yxs A

iv) bLk fofu;eu ds vuqLkj.k esa ,sLkh Lkfefr }kjk fd;k x;k d¨bZ Òh vkns“k ,oa funsZ“k fu.kkZ;d g¨xk A

'ks;j/kkjdä ds erkf/kdkj

i) mä vf/kfu;e dh /kkjk 3(2bZ) esa Lkekfo"V Áko/kkuä ds v/khu ,sLks ÁR;sd “ks;j/kkjd t¨ ftLks LkkekU; LkÒk ds iwoZ jftLVj can güs dh frfFk d¨ “ks;j/kkjd ds :i esa iathÑr fd;k x;k gS, ,sLkh LkÒk esa gkFk mBkdj ,d er nsus rFkk ernku dh fLFkfr esa mLkds }kjk /kkfjr ÁR;sd “ks;j ds fy, ,d er dk vf/kdkj g¨xkA

ii) mä vf/kfu;e dh /kkjk 3(2bZ) esa Lkekfo"V Áko/kkuä ds v/khu ,sLks ÁR;sd “ks;j/kkjd d¨, t¨ mi;qäkuqLkkj ernku djus dk ik= gS, t¨ daiuh dh gSfLk;r Lks ugh O;fäxr :i Lks vFkok eq[rkj ds ek/;e Lks mifLFkr g¨ vFkok t¨ daiuh dh gSfLk;r Lks fofgr :i Lks Ákf/kÑr Áfrfuf/k ds ek/;e Lks ;k eq[rkj ds ek/;e Lks mifLFkr g¨ gkFk mBkdj ,d er nsus dk vf/kdkj ÁkIr g¨xk rFkk ernku dh fLFkfr esa bLkesa bLkds Åij mi fofu;e (i) esa ;FkkoÆ.kr mLkds }kjk /kkfjr ÁR;sd “ks;j ds fy, ,d en nsus dk vf/kdkjh g¨xk A

iii) Li"Vhdj.k% bLk v/;k; ds fy, daiuh Lks vfÒÁk;% gS d¨bZ Òh fuxfer fudk; Lks gSA

LkkekU; LkÒk esa mifLFkr jgus v©j ernku djus ds ik= cSad ds “ks;j/kkjd fdLkh vU; O;fä (pkgs og “ks;j /kkjd g¨ ;k ugÈ) d¨ vius eq[rkj ds :i esa vius LFkku ij LkÒk esa mifLFkr jgus v©j ernku djus gsrq fu;qfä djus ds gdnkj g¨xsa,fdUrq bLk Ádkj fu;qä eq[rkj d¨ mä LkÒk esa cÿus dk d¨bZ vf/kdkj ugh g¨xk A

fofu;e 69. fofgr :i Lks Ákf/kÑr Áfrfuf/k }kjk ernku

(1) dsaæh; Lkjdkj ;k fdLkh daiuh ds :i esa tSLkh Òh fLFkfr g¨, d¨bZ “ks;j/kkjd LkadYi ds }kjk “ks;j/kkjdä dh fdLkh Òh LkkekU;


Punjab & Sind Bank

ii) where an election of a Director is to be held at any General Meeting, the notice thereof shall be included in the notice convening the meeting. Every such notice shall specify the number of Directors to be elected and the particulars of vacancies in respect of which the election is to be held.

Regulation 64. List of Shareholders: i) For the purpose of election of a Director under Sub-Regulation (i) of Regulation 63 of these regulations, a list

shall be prepared of shareholders on the register by whom the Director is to be elected.

ii) The list shall contain the names of the shareholders, their registered addresses, the number and denoting numbers of shares held by them with the dates on which the shares were registered and the number of votes to which

Regulation 67. Election Disputes:

to be elected, or as to the validity of the election of a director, any person interested, being a candidate or shareholder entitled to vote at such election, may, within seven days of the date of the declaration of the result of such election, give intimation in writing thereof to the Chairman and Managing Director/Executive Director of Punjab & Sind Bank and shall in the said intimation give full particulars of the grounds upon which he doubts or disputes the validity of the election.

the Executive Director of Punjab & Sind Bank shall forthwith refer such doubt or dispute for the decision of a committee consisting of the Chairman & Managing Director or in his absence, the Executive Director and any two of the Directors nominated under Clause (b) and (c) of Sub-Section (3) of Section 9 of the Act.

election was not a valid election, it shall, within 30 days of the commencement of the enquiry, make such order and give such directions including the holding of a fresh election as shall in the circumstances appear just to the committee.

iv) An order and direction of such committee in pursuance of this regulation shall be conclusive.

VOTING RIGHTS OF SHAREHOLDERS

Regulation 68. Determination of Voting Rights:

i) Subject to the provisions contained in Section 3 (2E) of the Act, each shareholder who has been registered as a shareholder on the date of closure of the register prior to the date of a General Meeting shall, at such meeting, have one vote on show of hands and in case of a poll shall have one vote for each share held by him.

ii) Subject to the provisions contained in Section 3 (2E) of the Act, every shareholder entitled to vote as aforesaid who, not being a company, is present in person or by proxy or who being a company is present by a duly authorized representative, or by proxy shall have one vote on a show of hands and in case of a poll shall have one vote for each share held by him as stated hereinabove in Sub-Regulation (i). Explanation – for this Chapter, “Company” means any body corporate.

iii) Shareholders of the Bank entitled to attend and vote at a general meeting shall be entitled to appoint another person

not have any right to speak at the meeting.

Regulation 69. Voting by Duly Authorised Representative: i) A shareholder, being the Central Government or a company, may by a resolution, as the case may be, authorize

and the person so authorized (referred to as a ‘duly authorized representative’ in these regulations) shall be



LkÒk esa vius Áfrfuf/k ds :i esa vius fdLkh Òh vf/kdkjh ;k fdLkh vU; O;fä d¨ Ákf/kÑr dj Lkdrk gS v©j bLk Ádkj Ákf/kÑr O;fä (bu fofu;eä es ftLks fofgr :i esa Ákf/kÑr Áfrfuf/k dgk x;k gS) dsUæh; Lkjdkj ;k ftLk daiuh dk og Áfrfuf/kRo djrk gS mLk daiuh dh v©j Lks mUgh vf/kdkjä dk Á;¨x djus dk gdnkj g¨xk, tSLks fd og iatkc ,.M ÇLk/k cSad dk ,dy “ks;j/kkjd gÄ bLk Ádkj fn;k x;k Ákf/kdkj oSdfYid :i esa n¨ O;fä;ä ds i{k esa g¨ Lkdrk gS v©j ,sLkh fLFkfr esa ,sLks O;fä;ä es Lks d¨bZ Òh ,d O;fä dsUæh; Lkjdkj/ O;fä;ä ds fofgr :i esa Ákf/kÑr Áfruf/k ds :i esa dk;Z dj Lkdrk gSA

(ii) d¨bZ Òh O;fä cSad ds “ks;j/kkjdä dh fdLkh LkÒk esa fdLkh daiuh ds fofgr :i Lks Ákf/kÑr Áfrfuf/k ds :i esa rc rd mifLFkr jgsxk ;k ernku ugh djsxk tc rd dh mLks fofgr :i Lks Ákf/kÑr Áfrfuf/k ds :i esa u fu;qä fd, tkus fo"k;d LkadYi dh ,sLkh Áfr t¨ ftLk LkÒk esa og ikfjr fd;k x;k Fkk, mLk LkÒk ds LkÒkifr }kjk LkR; Áfrfyfi ds :i esa Áekf.kr g¨, LkÒk ds fy, fu;r frfFk Lks de Lks de pkj fnu igys iatkc ,.M ÇLk/k cSad ds

Á/kku dk;kZy; esa tek ugh dj nh tkrh A

fofu;e 70 Áfrfuf/k :i) Áfrfuf/k dk d¨bZ Òh Ái= rc rd oS| ugÈ g¨xk tc rd fd ,dy “ks;j/kkjd ds ekeys esa, og mLk }kjk ;k mLkds

Ákf/kÑr ,VkuÊ }kjk fyf[kr esa gLrkf{kjr u g¨ ;k Lka;qDr “ks;j/kkjdä ds ekeys esa jftLVj es ÁFke uke ds “ks;j/kkjd }kjk gLrkf{kjr ;k mLkdh ,VkuÊ }kjk fyf[kr esa gLrkf{kjr u g¨ ;k fuxfer fudk; ds ekeys esa mLks vf/kdkjh ;k ,d ,VkuÊ }kjk fyf[kr esa gLrkf{kjr u gÄ

c“krsZ fd Áfrfuf/k dk Ái= fdLkh vU; “ks;j/kkjd }kjk fofgr <+ax Lks gLrkf{kjr g¨ ,t¨ fd fdLkh dkj.k Lks viuk uke fy[kus esa vLkeFkZ gS, ;fn mLkdk fpUg mLk ij yxk g¨ v©j fdLkh U;k;/kh“k,eftLVªsV,chek daiuh ds jftLVªkj ;k mi jftLVªkj }kjk LkR;kfir g¨ ;k vU; d¨bZ Lkjdkjh jktif=r vf/kdkjh ;k iatkc ,.M ÇLk/k cSad dk d¨bZ vf/kdkjh }kjk vuqÁekf.kr gÄ

ii) d¨bZ Òh Áfrfuf/k rc rd oS/k ugÈ g¨xk tc rd fof/kor e¨gj yxh u g¨ v©j mLkdh ,d LkR;kfir Áfr iatkc ,.M ÇLk/k cSad ds Á/kku dk;kZy; d¨ ehÇVx dh frfFk Lks de Lks de pkj fnu igys ÁkIr u g¨ tk, LkkFk gh ikWoj vkWQ ,VkuÊ ;k vU; Ákf/kdkj (;fn d¨bZ g¨) ftLkds varxZr mLkd¨ gLrkf{kjr fd;k x;k g¨ ;k mLk ikWoj vkWQ ,VkuÊ ;k vU; Ákf/kdkj dh ,d Áfr t¨ fd u¨Vjh ifCyd ;k eftLVªsV Lks LkR;kfir g¨ d¨ igys Lks gh tek djk fn;k x;k g¨ v©j iatkc ,.M ÇLk/k cSad ds ikLk jftLVZM gÄ

iii) Áfrfuf/k dk d¨bZ Òh Ái= rÒh ekU; g¨xk tc og "QkeZ ch" esa g¨xkA

iv) Áfrfuf/k dk d¨bZ Òh Ái= t¨ fd iatkc ,.M ÇLk/k cSad esa tek g¨ og vfÁrLkgj.kh; g¨xkA

v) ;fn Áfrfuf/k dk Ái= n¨ fodYih O;fä;ä ds uke ij g¨ r¨ r¨ Òh ,d gh QkeZ fu"ikfnr fd;k tk,xkA

vi) bLk fofu;e ds varxZr Áfrfuf/k ds Ái= ds vuqnkrk d¨ mLk ehÇVx esa o¨V djus dk vf/kdkj ugÈ g¨xk ftLk ehÇVx esa ;g Ái= j[kk tkuk gSA

vii) d¨bZ Òh O;fä iw.kZ Ákf/kÑr Áfrfuf/k ;k Áfrfuf/k fu;qDr ugÈ fd;k tk,xk t¨ fd iatkc ,.M ÇLk/k cSad dk deZpkjh ;k vf/kdkjh gÄ


Punjab & Sind Bank

entitled to exercise the same powers on behalf of the Central Government or company which he represents, as if he were an individual shareholder of Punjab & Sind Bank. The authorization so given may be in favour of two persons in the alternative and in such a case any one of such persons may act as a duly authorized representative of the Central Government / Company.

ii) No person shall attend or vote at any meeting of the shareholders of Punjab & Sind Bank as the duly authorized representative of a company unless a copy of the resolution appointing him as a duly authorized representative

Regulation 70. Proxies:

i) No instrument of proxy shall be valid unless, in the case of an individual shareholder, it is signed by him or

named in the register or his attorney duly authorized in writing or in the case of the body corporate signed by

ii)

as a true copy by a Notary Public or a Magistrate, unless such a power of attorney or the other authority is previously deposited and registered with Punjab & Sind Bank .

iii) No instrument of proxy shall be valid unless it is in Form ‘B’.

iv)

v) In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.

vi) The grantor of an instrument of proxy under this regulation shall not be entitled to vote in person at the meeting to which such instrument relates.

vii)of Punjab & Sind Bank.



bZ–o¨ÇVx

iatkc ,.M ÇLk/k cSad dh p©Fkh okÆ"kd LkkekU; cSBd ds fy, bZ-o¨ÇVxdaiuh ¼izca/ku ,oa iz”kklu½ fu;e] 2014 ds fu;e 20 ds lkFk ifBRk daiuh vf/kfu;e] 2013 dh /kkjk 108 ds varxZr u, izko/kku fd, x, gSa ftuds }kjk izR;sd lwphc) daiuh ;k ftlds “ks;j/kkjd ,d gtkj ls de ugha gSa] ls lkekU; cSBd esa vius lnL;ksa ds oksV ds vf/kdkj ds fy, bySDVªkWfud lk/kuksa dk iz;ksx visf{kr gSA daiuh ¼izca/ku ,oa iz”kklu½ fu;e] 2014 dh “krksZa ds vuqlkjcSad pkSFkh okf’kZd lkekU; cSBd esa vius “ks;j/kkjdksa dks lhMh,l,y ds ek/;e ls bZ&oksfVax dh lqfo/kk iznku djsxkA

LknL;ä gsrq bySDVªkWfud fof/k Lks o¨ÇVx gsrq funsZ'k fuEukuqLkkj gSa :(d) ;fn LknL; bZ-esy ÁkIr djrs gSa :

(i) ;fn vki MhesV :i esa 'ks;j/kkjd gSa v©j www.evotingindia.com ij ykWx&bu djrs gSa v©j vkius igys Òh fdLkh vU; daiuh esa EVSN ij o¨ÇVx dh gS rks vkidk orZeku ykWx&bu vkbZMh v©j ikLkoMZ Á;¨x g¨xkA

(ii) bZ&o¨ÇVx oscLkkbZV WWW.evotingindia.com ij ykWx&bu djsa A

(iii) viuk o¨V Mkyus ds fy, “shareholders “ VSc ij fDyd djsaA

(iv) vc MªkWi Mkmu ehuw Lks “Punjab and Sind Bank” Lkfgr viuk bySDVªkfud o¨ÇVx fLkDosULk ua0 “EVSN” pqusa v©j “SUBMIT” ij fDyd djsaA

(v) vc uhps fn, x, fooj.k d¨ mfpr c‚DLk esa fy[ksa:

MheSV :i esa 'ks;j/kkjdä gsrq Ò©frd :i esa 'ks;j/kkjdä gsrq

;wtj vkbZMh NSDL gsrq : 8 'kCnä dk DP IDbLkds ckn 8vadksa dks Client IDCDSL gsrq : 16 vadksa dk

daiuh ds ikLk jftLVMZ Q¨fy;¨ ua0

iSu* bZ&oksfVax ds fy, tc visf{kr gks rks vk;dj foHkkx }kjk tkjh viuk 10 vadksa dk vYQk&U;wesfjd iSu vafdr djsa ¼;g MhesV vkSj HkkSfrd “ks;j/kkjdksa nksuksa ds fy, ykxw gS½

tUe frfFk # MhesV [kkrs ;k daiuh ds MhesV [kkrs ds fjdkWMZ ds vuqlkj ;k Qksfy;ks esa fnu@ekg@o"kZ izk:i esa viuh tUefrfFk vafdr djsaA

ykÒka'k cSad fooj.k #

MhesV [kkrs ;k daiuh ds MhesV [kkrs@Qksfy;ks esa ntZ fjdkWMZ ds vuqlkj ykHkka”k cSad fooj.k vafdr djsaA

* ,sLks LknL; ftUgäus viuk PAN daiuh /fMikWftVjh ikÆVLiSaV ds ikLk viMsV ugÈ djk;k gS, Lks vuqj¨/k gS fd os PAN QhYM esa fMQkYV ua0 : < ABCDE1234F > ,UVj djsaA

# Ñi;k ykWx&bu ds fy, d¨bZ Òh C;©jk nsaA

vi) bu fooj.kä d¨ Òjus ds i'pkr, “SUBMIT” ij fDyd djsaA

vii) rc LknL; ftuds ikLk Ò©frd :i esa 'ks;j gSa, Lkh/ks EVSN LksysD'ku LØhu ij Lkh/ks igq¡psaxsA rFkkfi MheSV “ks;j/kkjd vc Password Creation ehuw esa igq¡psaxs] tgk¡ mUgsa u, ikloMZ QhYM esa vius ykWx&bu ikloMZ esa vko”;d ifjorZu djus dh vko”;drk gSA u;k ikloMZ de ls de vkB v{kj dk gksuk pkfg,] ftlesa ,d cM+k v{kj ¼A-Z½] ,d NksVk v{kj ¼a-z½] ,d vad ewY; ¼0&9½ rFkk ,d fof”k’V v{kj ¼@,#,$,%,&,*½ fufgr gksA dì;k uksV djsa fd ;g ikloMZ MhesV “ks;j/kkjdksa }kjk fdlh Hkh daiuh] crk nsa fd bl daiuh esa LkhMh,l,y IySVQkWeZ ds ek/;e ls bZ&oksfVax dk fodYi gks] ftlds fy, og oksfVax dk ik= gS] ds izLrko gsrq oksfVax ds fy, iz;ksx fd;k tk,A vkidks lykg nh tkrh gS fd ;g ikloMZ fdlh Hkh O;fDr dks u crk,a rFkk bls xqIr j[kus ds fy, iwjh lko/kkuh cjrsaA dì;k uksV djsa fd ;g ikloMZ MhesV “ks;j/kkjdksa }kjk fdlh Hkh daiuh] crk nsa fd bl daiuh esa LkhMh,l,y IySVQkWeZ ds ek/;e ls bZ&oksfVax dk fodYi gks] ftlds fy, og oksfVax dk ik= gS] ds izLrko gsrq oksfVax ds fy, iz;ksx fd;k tk,A

viii½ Lkacaf/kr EVSN ftLk ij vki o¨V djuk pkgrs gSa] ij fDyd djsaA

ix) o¨ÇVx i"B ij vki ÁLrko fooj.k ds Lke{k gk¡/ugÈ dk fodYi, o¨ÇVx ds fy, ns[ksaxsA vko';d gk¡ vFkok ugÈ, fodYi dk pquko djsaA gk¡ dk fodYi, ladYi ds Áfr vkidh Lkgefr rFkk ugÈ dk fodYi, ladYi ÁLrko ds Áfr vkidh vLkgefr Lkwfpr djrk gSA


Punjab & Sind Bank

e-Voting

e-Voting for the Fourth Annual General Meeting of Punjab & Sind Bank

Pursuant to section 108 of the Companies Act 2013 read with Rules 20 of Companies (Management and Administration) Rules, 2014 new provisions has been introduced whereby every listed company or a company having not less than one thousand shareholder is required to provide to its members facility to exercise their right to vote at general meetings by electronic means. The Bank shall provide facility of e-Voting, through CDSL, to the shareholders for the Fourth Annual General Meeting., in terms of Companies (Management and Administration) Rules, 2014.

The instructions for members for voting electronically are as under:-(A) In case of members receiving e-mail:

i) If you are holding shares in Demat form and had logged on to www.evotingindia.com and casted your vote earlier for EVSN of any Company, then your existing login id and password are to be used.

ii) Log on to the e-voting website www.evotingindia.com.

iii) Click on “Shareholders” tab to cast your votes.

iv) Now, select the Electronic Voting Sequence Number - “EVSN” along with “Punjab and Sind Bank” from the drop down menu and click on “SUBMIT”

For Members holding shares

in Demat Form

For Members holding shares

in Physical Form

User ID For NSDL: 8 Character DP ID

followed by 8 Digits Client ID

Folio Number registered

with the Company

PAN* Enter your 10 digit alpha-numeric *PAN issued by Income Tax Department when prompted by the system while e-voting (applicable for both demat shareholders as well as physical shareholders)

Enter the Date of Birth as recorded in your demat account or in the company records for the said demat account or folio in dd/mm/yyyy format.

Dividend Bank Enter the Dividend Bank Details as recorded in your demat account or in the company records for the said demat account or folio.

* Members who have not updated their PAN with the Company/Depository Participant are requested to use

vi After entering these details appropriately, click on “SUBMIT” tab.

members holding shares in demat form will now reach ‘Password Creation’ menu wherein they are required

eight characters consisting of at least one upper case (A-Z), one lower case (a-z), one numeric value (0-9) and

voting for resolutions of any other company on which they are eligible to vote, provided that company opts for e-voting through CDSL platform. It is strongly recommended not to share your password with any other

is to be also used by the Demat holders for voting for resolutions for the Company or any other Company on which they are eligible to vote, provided that Company opts for e-voting through CDSL platform.

viii) Click on the relevant EVSN on which you choose to vote.



x) ;fn vki LkÒh ladYiksa d¨ ns[kuk pkgrs gSa rc “fjtŸ;w'ku Qkby Çyd” ij fDyd djsaA

xi) o¨V djus ds ÁLrko d¨ pquus ds i'pkr SUBMIT ij fDyd djsa A ogk¡ ,d iqf"V c‚DLk fn[ksxk, ;fn vki iqf"V djuk pkgrs gSa r¨ “OK” ij fDyd djsa v©j ;fn viuk o¨V cnyuk pkgrs gSa r¨ CANCEL ij fDyd djsa v©j bLk Ádkj vki viuk o¨V cny Lkdrs gSaA

xii) ;fn vki ÁLrko ij ,d ckj viuk o¨V dj nsrs gSa rc vkid¨ mLks cnyus dh vuqefr ugÈ g¨xhA

II) ;fn LknL; okÆ"kd LkkekU; cSBd ds u¨fVLk dh Ò©frd Áfr ÁkIr djrs gSa ¼,sLks LknL; ftudh bZ-esy vkbZ-Mh, daiuh tekdrkZ Òkxhnkjä ds ikLk iathÑr ugÈ gS vFkok t¨ Ò©frd Áfr ds fy, ÁkFkZuk dj jgs gaSa½

o¨V djus ds fy, dì;k Øe Lka. (ii) Lks Øe Lka. (xii) rd LkÒh pj.kä dk ikyu djsaA

[k½ LkaLFkkxr 'ks;j/kkjd ¼tSLks fd vdsys O;fä ds vfrfjä, Çgnw Lka;qä ifjokj, vfuokLkh Òkjrh; vkfn½ ds fy, vko';d gS fd os https://www/evotingindia.co.in y‚x-vkWu djsa rFkk vius d¨ iathÑr djk,a, ftLkd¨ o¨ o¨V djuk pkgrs gSa mLkdk [kkrk Çyd djsa rFkk o¨V djsaA os vius oksV dh tk¡p lR;kiu gsrq cksMZ izLrko dh LdSu izfr ih Mh ,Q QkWesZV esa flLVe esa viyksM djok,aA

x½ bySDVª‚fud o¨ÇVx vof/k 24 twu] 2014 dks ¼izkr% 9%00cts½ 'kq# g¨xh rFkk 25 twu] 2014 dks ¼lka;% 6%00cts½ lekIr g¨xhA blds i'pkr~ lhMh,l,y }kjk bySDVªkWfud oksfVax lqfo/kk dks fuf’dz; dj fn;k tk,xkA bl vof/k ds nkSjku daiuh ds HkkSfrd ;k vHkkSfrd :i nksuksa gh “ks;j/kkjd] dV&vkWQ fnukad 30 ebZ] 2014 ds vuqlkj bySDVªkWfud ek/;e ls oksV dj ldrs gSaA

?k½ “ks;j/kkjdksa dks oksfVax dk vf/kdkj dV&vkWQ fnukad 30 ebZ] 2014 ds vuqlkj cSad dh iw¡th esa muds iznRr bZfDoVh “ks;jksa ds vkuqikfrd vk/kkj ij gksxkA

M-½ LknL; okÆ"kd LkkekU; cSBd esa ÁR;sd O;oLkkf;d LkaO;ogkj ds fy, vyx Lks viuk o¨V Mky Lkdrs gSA mnkgj.k ds fy,] dqN LknL; viuk o¨V LkadYi ds i{k esa Mky Lkdrs gS rFkk dqN LkadYi ds fo#) esa viuk o¨V Mky Lkdrs gSA dqN LknL; LkadYi ij viuk o¨V ugÈ Òh Mkyus dk fodYi pqu Lkdrs gSa] rFkkfi en la[;k &3 ds lanHkZ esa] ¼nks funs”kdksa dk pquko½ ;fn oksV nks funs”kdksa ls vf/kd ds fy, ugha dh xbZ gS rks nh xbZ oksV vekU; gksxhA

p½ LknL; }kjk LkadYi ij ,d ckj o¨V Mkyus ds ckn] mLk o¨V d¨ cnyus ;k Lka'k¨f/kr djus dh vuqefr ugÈ nh tk,xhA

N½ ;fn fdlh lnL; ds ikl oksV nsus dk ,d gh fodYi gS] ;k rks og HkkSfrd :i ls ernku djsa ;k bZ&oksfVax djsa ;fn dksbZ lnL; bZ&oksfVax dk fodYi pqurk gS] rks og fQj HkkSfrd ernku ugha dj ldsxkA ;|fi dksbZ lnL; HkkSfrd :i ls ;k bZ&oksfVax }kjk oksV djrk gS rks ,slh fLFkfr esa bZ&oksfVax }kjk fn;k x;k er ekU; gksxk vkSj HkkSfrd ernku ij è;ku ugha fn;k tk;sxk ;k ut+jvankt fd;k tk;sxkA

Jh jes”k dqekj dkspj dks] daiuh lsdzsVjh ¼lhoh ua- 10818½ d¨ bySDVª‚fud o¨ÇVx ÁfØ;k ds fy, vads{kd fu;qä fd;k x;k gS] t¨ i{k ;k foi{k esa Mkys x, o¨V dh fji¨VZ rS;kj djsaxs rFkk bLks bySDVª‚fud o¨ÇVx vof/k LkekfIr ds pkyw güs ds i'pkr rhu O;koLkkf;d fnoLkä ds Òhrj v/;{k] okÆ"kd LkkekU; cSBd d¨ Lkacaf/kr fji¨VZ ÁLrqr djsaxsA

?k¨f"kr ifj.kke ds LkkFk vads{kd dh fji¨VZ d¨ cSad dh oscLkkbV rFkk lhMh,l,y dh oscLkkbV ij okÆ"kd LkkekU; cSBd ds LkadYi ds n¨ O;koLkkf;d dk;Z fnoLk ds Òhrj viy¨M dj fn;k tk,xkA i;kZIr o¨V dh ÁkfIr ds v/khu] LkadYi d¨ okÆ"kd LkkekU; cSBd ds fnu ikfjr fd;k tk,xkA

cSBd dh Lkwpuk oscLkkbV www.psbindia.com ij Òh Ánf'kZr gSA

;fn bZ-o¨ÇVx ds LkanÒZ esa vkidk d¨bZ Á'u vFkok ftKkLkk gS r¨ ckj-ckj iwNs tkus okys ¼“FAQs”½ ij tk,a rFkk Lkgk;rk vuqÒkx ds varxZr www.evotingindia.com ij bZ-o¨ÇVx esU;qvy miyC/k gS vFkok [email protected] d¨ bZ-esy djsa ;k CDSL Vÿ Ýh ua. 022-30249561 ;k jftLVªkj ,oa 'ks;j VªkaLQj ,tsaV, Çyd buVkbe bafM;k fyfeVsM ua. 011-41410592,41410593 ;k [email protected] d¨ bZ-esy djsa A


Punjab & Sind Bank

x) Click on the “Resolutions File Link” if you wish to view the entire Resolutions.

and accordingly modify your vote.

(II) In case of members receiving the physical copy of Notice of AGM [for members whose e-mail IDs are not registered with the company/ depository participant(s) or requesting physical copy]:

Please follow all steps from sl. no. (ii) to sl. no. (xii) above, to cast vote.

https://www.evotingindia.co.in and register themselves, link their account which they wish to vote on and then cast their vote. They should upload a scanned copy of the Board Resolution in PDF format in the system for the scrutinizer to verify the vote.

The electronic voting facility will be disabled by CDSL for voting thereafter. During this period the shareholders of the Bank, holding shares either in physical form or in dematerialized form, as on the cut-off date of 30th May, 2014, may cast their vote electronically.

(D) The voting rights of shareholders shall be in proportion to their shares of the paid up equity share capital of

(E) Members may cast their votes separately for each business to be transacted in the Annual General Meeting. For example, a member may cast his vote in favour of some resolution and may cast not in favour/ against some

of two directors), vote be casted for not more than two directors otherwise the votes casted shall be treated as invalid.

(G) Member can log in any number of times till he has voted on all the resolutions or till the end of the voting period (i.e. till the last date of receipt of e-votes), whichever is earlier.

Physical Ballot and e-voting, then voting done through e-voting shall prevail and voting done by Physical Ballot will be ignored.

the electronic voting process, who shall prepare and submit its report of the votes cast in favour or not in favour/ against, to the Chairman of the Annual General Meeting within 3 business days from the date of conclusion of

The results declared along with the scrutinizer’s report shall be placed on the website of the Bank and on the

Notice of the meeting is also displayed at www.psbindia.com

In case you have any queries or issues regarding e-voting, you may refer the Frequently Asked Questions (“FAQs”) and e-voting manual available at www.evotingindia.com under help section or write an email to [email protected] or call CDSL Toll free No. 022-30249561 or to the Registrar & Share Transfer Agent, Link Intime India Pvt. Ltd. at 011-41410592, 41410593 or write an email to [email protected].



fnukad 31ekpZ] 2014 dks lekIr o’kZ dh okf’kZd fjiksVZ] rqyu&i= rFkk ykHk gkfu [kkrs dks funs”kd eaMy g’kZ ds lkFk izLrqr djrk gS %

vkfFkZd ifjn`'; %

o’kZ 2013&14 esa Hkh Hkkjrh; vFkZO;oLFkk dk pqukSrh Hkjk le; tkjh jgkA o’kZ 2011&12 esa “kq# gqbZ vkfFkZd eanh bl o’kZ Hkh yxkrkjcuh jghA vFkZO;oLFkk ds xaHkhj ekeyksa esa /kheh fodkl xfr rFkk eqnzk LQhfrdkjd ncko o’kZ ds izkjaHk ls var rd cus jgsA okLro esa] o’kZ 2009 ls gh fo”o vFkZO;oLFkk dh n”kk] Hkkjr lfgr izR;sd fodkl”khy ns”k dh vFkZO;oLFkk dks izHkkfor djus okyk vR;f/kd fu.kkZ;d rRo jgk gSA Hkkjr ds cM+s O;kikjh lg;ksfx;ksa esa la;qDr jkT; vesfjdk yach lqLrh ls okilh ds ladsr ns jgk gS( tkikudh vFkZO;oLFkk izksRlkgu dh izfrfdz;k ns jgh gS] ;wjks tksu 0-2% dh vkaf”kd o`f) ds ladsr ns jgk gS rFkk phu dh o`f) nj o’kZ 2013 esa /kheh jghA rFkkfi o’kZ 2013&14 ds nkSjku bu pqukSfr;ksa ls Hkkjr us vU; mnh;eku vFkZO;oLFkkvksa dh vis{kk csgrj rjhds ls lkeuk fd;kA

Hkkjr ljdkj us vkfFkZd n`<+hdj.k] ewY; fLFkjrk] [kk| esa Lo&lkeF;Z] fuos”k esa vPNs ekgkSy dk iquizZorZu] mRiknu esa o`f)] fu;kZrizksRlkgu] ifj;kstukvksa dk muds y{;ksa vuqlkj “kh?kz dk;kZUo;u ?kksf’kr fd;kA rFkkfi fofuekZ.k] isVªksfy;e] ÅtkZ] dks;yk o oL=m|ksx vFkZO;oLFkk ds eanxfr {ks= cus jgsA

ljdkj }kjk pkyw [kkrk ?kkVk esa lQyrkiwoZd fuos”k ds le; eqnzkLQhfr fu;a=.k eqf”dy lkfcr gqbZA rFkkfi vFkZO;oLFkk us ,d ckj iqu% bl vk?kkr dks lgu djus dh {kerk fn[kkbZA

Hkkjrh; d`f’k esa dk;Z&fu’iknu m|ksx dh vis{kk csgrj jgkA vkS|ksfxd {ks= vFkZO;oLFkk ds eanxfr {ks= ds :i esa cus jgsA fuekZ.k {ks= ds fo”ks’k {ks= esa fuos”k esa deh cuh jghA fu;kZr rsth ls cgky gqvkA rFkkfi] vk;kr uhpk jgk tks fd fuekZ.k o ?kjsyw O;kikjnksuksa ds fy, vPNk “kdqu ugha gSA

fofue; nj us :i, ij izfrdwy izHkko MkykA Hkkjr ljdkj] Hkkjrh; fjt+oZ cSad rFkk lacaf/kr ,tsafl;ksa us iw¡th varokZg rFkk fons”khfofue; ckt+kj dks et+cwr djus ds fy, vusd mik, viuk,A

gkykafd o’kZ 2013&14 dh rhljh vkSj pkSFkh frekgh esa vFkZO;oLFkk esa dqN lq/kkj vk;k RkFkk izFke vkSj nwljh frekgh esa 4-4 o 4-8izfr”kr dh o`f) dh vis{kk 5-2 izfr”kr dh o`f) gksus dh mEehn dh xbZA orZeku esa vFkZO;oLFkk T;knk fLFkj gSA vkfFkZd ?kkVk ?kV jgk gS] pkyw [kkrk ?kkVk fufgr gks pqdk gS] eqnzkLQhfr fu;af=r dh tk pqdh gS] fofue; nj fLFkj gS] fu;kZr c<+k gS rFkk o`f) nj c<+ jgh gSA

vFkZO;oLFkk ds bl ifjn”; esa cSad us pqukSfr;ksa dk MVdj lkeuk fd;kA o’kZ ds “kq# ls var rd vkfLr xq.koRrk bldk xaHkhj dkj.k jgkA tek dh mPp dher] vutZd vkfLr;ksa esa of)] de vk; rFkk de “kq) C;kt vk; ds lkFk cSad dh ykHkiznrk ij ncko cuk jgkA

dk;Z&fu"iknu ifj.kke

dqy O;kikj

fnukad 31-03-2013 d¨ cSad ds 122485 dj¨M+ :- dh rqyuk esa o"kZ 31-03-2014 dh LkekfIr ij cSad ds dqy O;kikj esa 16-41 izfr”kr dh o`f) ntZ dh xbZ t¨ fd 142588 dj¨M+ :- jgkA

jkf”k yk[kksa esa LkekIr o"kZ Áfr’kr esa ifjorZu

31-03-2014 31-03-2013

C;kt dh vk; 797271 734013 8-62%vU; vk; 42728 39422 8-39%dqy vk; 839999 773434 8-61%

dqy O;; 759945 679549 11-83


Punjab & Sind Bank

DIRECTORS’ REPORT 2013-14

and Loss Account for the year ended 31st March, 2014.

ECONOMIC OUTLOOKIndian economy continued to face challenging times during 2013-14. The slowdown of the economy that began in

economy throughout the year. In fact, since Sep 2009 the state of the world economy has been the most decisive factor impacting the economy of every developing country including India. Among India’s major trading partners, USA is showing signs of recovery from a long recession, Japan’s economy is responding to stimulus, Euro zone is reporting a fractional growth of 0.2% and China’s growth slowed during 2013-14. The challenges faced by India are common to all emerging economies. However, India coped with these challenges in a better way than other emerging economies during 2013-14.

in investment, promotion of manufacturing, encouragement to exports, quicker implementation of projects as its objectives. However, infrastructure, petroleum, power, coal and textiles continued to remain stressed sectors of the economy.

However, economy once again proved its resilience.

The performance of Indian agriculture was better than industry. The industry continued to be a stressed sector of the economy. The deceleration in investment in manufacturing has remained particular area of concern. Though exports recovered sharply, however, imports remained down which did not augur well either for manufacturing or domestic trade.

The exchange rate affected the Rupee adversely. However, the Government, RBI and other concerned agencies

However, the state of the economy improved during Q3-Q4 of 2013-14 and growth is expected to be at least 5.2% against growth in Q1 and Q2 of 2013-14 at 4.4% and 4.8% respectively. The economy is more stable today. The

increased and growth rate is on the rise.

In the given scenario of the economy, Bank faced the challenges bravely, even though the asset quality remained a

cost of deposit, rise in NPAs, low income and lower Net Interest Income.

WORKING RESULTS

TOTAL BUSINESSDuring the year ended 31.03.2014, total Business of the Bank recorded an increase of 16.41% at Rs.142588 crore as compared to Rs.122485 crore as on 31.03.2013.

HIGHLIGHTS OF RESULTS FOR THE YEAR ENDED 31ST MARCH 2014 (Rs in Lacs)

Year Ended

%age change31.03.2014 31.03.2013

Interest Income 797271 734012 8.62

Other Income 42728 39422 8.39

Total Income 839999 773434 8.61

Total Expenditure 759945 679549 11.83



ifjpkyu ykÒ 80054 93885 ¼14-73½

'kq) ykÒ 30063 33922 ¼11-38½

vkfLr;ä ij ÁfrQy 0-35% 0-44% &&&

'kq) C;kt ekÆtu ¼,u-vkbZ-,e-½ 1-88% 2-15% &&&

Lkdy vutZd vkfLr;ka ¼%½ 4-41% 2-96% &&&

'kq) vutZd vkfLr;ka ¼%½ 3-35% 2-16% &&&

iwath i;kZIrrk vuqikr ¼%½ ¼csLky&II½ 12-10% 12-91% &&&

iwath i;kZIrrk vuqikr ¼%½ ¼csLky&III½ 11-04% ykxw ugha &&&

Áfr 'ks;j vk; ¼bZ-ih-,Lk-½ 10-69% 13-49 &&&

ykHk

foŸkh;&o"kZ 2012&13 ds n©jku 339-22 dj¨M+ :- dh rqyuk esa cSad us o"kZ 2013&14 ds n©jku 300-63 dj¨M++ dk 'kq) ykÒ ntZ fd;kA

iwath ,oa vkjf{kr fuf/k

lsch vkbZ-lh-Mh-vkj- vf/kfu;e ds varxZr Hkkjrh; fjtoZ cSad@foRr ea=ky; ls vko”;d vuqeksnu izkIr djus ds i”pkr] cSad us o’kZ ds nkSjku izfr “ks;j :-10@&ds vuqlkj 2]12]63]023 bzfDoVh “ks;jksa dks Hkkjr ljdkj dks 47-03 :- izfr “ks;j dh fu.khZr nj ij vf/keku fuxZe ds vk/kkj ij tkjh fd;k gSA rnuqlkj] cSad dh bZfDoVh “ks;j iwath 21-26 djksM :-dh o`f) ds lkFk] 275-28 djksM :- gks xbZ gS vkSj “ks;j izhfe;e 78-52 djksM :- ls c<+ dj ¼ÁkIr 'ks;j Áhfe;e 78-74 dj¨M+ :- esa Lks 'ks;j fuxZe O;; ds 0-22 dj¨M+ :-de dj ds½ 703-98 dj¨M+ :- g¨ x;k gS

fnukad 31-03-2013 d¨ cSad dh fuoy ekfy;r 3897-25 dj¨M+ :- Fkh t¨ fnukad 31-03-2014 d¨ 4180-40 dj¨M+ :- g¨ xbZ gSA

fnukad 31-03-2014 d¨ cSad dk iwath i;kZIrrk vuqikr ¼csLky- III½ 11-04% gS tcfd U;wure fu/kkZfjr iwath i;kZIrrk vuqikr 9% gSA

31-03-2014 dks Vh;j& II ckaM ds dqy cdk;k 1]365 djksM- :- ij vifjofrZr gSaA

tek

cSad dh dqy tek jkf”k;kssa esa 31 ekpZ] 2014 d¨ 19-94% dh o`f) gqbZ ftLkLks 14088-66 dj¨M+ :- dh Lkao`f) ds LkkFk ;g 84730-16 dj¨M+ :- g¨ xbZ t¨fd fnukad 31 ekpZ] 2013 d¨ 70641-50 dj¨M+ :- FkhA fnukad 31-03-2014 dks cSad dh v©Lkr tek ykxr 8-22% jgh t¨fd fiNys o"kZ 8-32% FkhA

vfxze %

fnukad 31-03-2014 dks cSad ds dqy vfxze 11-60% xq.kkRed _.k o`f) ds lkFk 57857-74 dj¨M+ :- jgs tks fd fnukad 31-03-2013 dks 51843-35 dj¨M+ :- FksA 31-03-2014 ds vuqlkj vfxzeksa ij vkSlr izfrQy 11-34% jgk tks fd fiNys o’kZ 11-86% FkkA

cSad dk xSj&foRrh; vfxze dkj¨ckj 31-03-2013 dh fLFkfruqLkkj 3578-73 dj¨M+ :i, dh vis{kk 31-03-2014 d¨ 3433-42 dj¨M+ :i, jgkA

cSad us _.k dkjksckj dk fofof/kdj.k fd;k gS rFkk cSad dh Lkq–< _.k uhfr ds vuqLkkj LkÒh {ks=ä vFkkZr m|¨x] ewyÒwr Lksok,a] Ñf’k] [kqnjk ¼OkS;fDrd _.k½ vkokLk rFkk miÒ¨x tSLks {ks=ä esa _.k miyC/k djk;k gSA d`f’k] fuekZ.k] vkokLk] oL=] f”k{kk] Lkw{e ,oa y?kqm|e ¼,e.,Lk.,e-bZ.½ tSLks ojh;rk ÁkIr {ks=ä esa cSad ds _.kä esa mYys[kuh; o`f) gqbZ gSA vkokLk {ks= ds vfxze esa 18-40 Áfr”kr dh o`f) gqbZ ¼ 31-03-2013 ds 2360-33 dj¨M+ :- Lks c<+dj 31-03-2014 d¨ 2795-18 dj¨M+ :- ½A lw{e ,oa y?kq m|e ¼,e,LkbZZ½ {ks= d¨ fn, vfxzeä esa 39-50% ¼ 31-03-13 d¨ 10113-01 djksM+ :- Lks 31-03-2014 d¨ :- 14107-89 djksM+ :-½ dh o`f) gqbZA vk/kkjÒwr Lksokvksa Lks brj m|¨xä d¨ fn, x, _.kä esa 8-58% ¼ fnukad 31-03-2013 dks 9000-80 djksM+ :- ls 31-03-2014 dks 9773-05djksM+ :-½ dh o`f) gqbZA ftlesa eq[;r% {ks= lfEefyr gSa tSls& [kk|&ÁLkaLdj.k ¼28-10%½ 683-98 djksM :- ls 876-19djksM :- vkfn “kkfey FksA o’kZ 2013&14 ds nkSjku oL= m|ksx gsrq fn, x, vfxze esa ¼3-17%½ fnukad 31-03-2013 dks 1369-15 djksM+ :- ls c<+dj fnukad 31-03-2014 dks 1412-67djksM+ :- dh o`f) gqbZA vk/kkjÒwr {ks=ä d¨ fn, _.kä esa ÅtkZ ¼2-21%½ ¼iwoZ esa ikoj o bySfDVªflVh½ 12164-55 djksM :- ls 12433-73djksM :- dh o`f) gqbZA vfrfjDr fu/kh;u lfgr fMLdkWe ¼DISCOM) [kkrksa ds iqufuZekZ.k ds dkj.k ÅtkZ {ks= esa izn”kZu esa o`f) gqbZ gSA


Punjab & Sind Bank

80054 93885 (14.73)

30063 33922 (11.38)

Return on Assets (ROA) 0.35% 0.44% ---

Net Interest Margin (NIM) 1.88% 2.15% ---

Gross NPA% 4.41% 2.96% ---

Net NPA(%) 3.35% 2.16% ---

Capital Adequacy Ratio (%) (Basel II) 12.10% 12.91% ---

Capital Adequacy Ratio(%) (Basel III) 11.04% NA ---

EPS 10.69 13.49 ---

PROFIT

the FY 2012-13.

CAPITAL AND RESERVEDuring the year, Bank has issued 2,12,63,023 Equity Shares of Rs.10/ each to Government of India by way of Preferential Issue at a price of Rs.47.03 per share determined as per ICDR Regulation of SEBI after taking necessary approval from RBI/ MOF. Accordingly, the Equity Share Capital of the Bank has increased by Rs.21.26 crore to Rs.275.28 crore and Share Premium has increased by Rs.78.52 crore (Share Premium Received Rs.78.74 crore minus Share Issue Expenses Rs.0.22 crore) to Rs.703.98 crore.

The Net Worth of the Bank has improved from Rs.3897.25 crore as on 31.03.2013 to Rs.4180.40 crore as on 31.03.2014.

The Capital Adequacy Ratio (Basel III) of the Bank is 11.04% as on 31.03.2014 against the minimum stipulated requirement of 9%.

UNSECURED REDEEMABLE BONDS: (Subordinated Debts for Tier –II Capital)Total outstanding of Tier II Bonds as on 31.03.2014 remains unchanged at Rs.1,365 crore .

DEPOSITSThe total deposit of the Bank registered a growth of 19.94% with Net accretion of Rs.14088.66 crore to reach Rs.84730.16 crore as on March 31, 2014 from Rs.70641.50 crore as on March 31, 2013. The average cost of deposits of the bank stood at 8.22% as compared to 8.32% in previous year.

ADVANCES

The Bank has registered qualitative credit growth of 11.60% during the FY 2013-14. The Gross Advances of the Bank increased from Rs.51843.35 crore as on 31.03.2013 to Rs.57857.74crore as on 31.03.2014. The average Yield on Advances stood at 11.34% as on 31.03.2014 as compared to 11.86 % as on 31.03.2013.

Non Fund Advances business of the bank stood at Rs.3433.42 crore as on 31.03.2014 as against Rs.3578.73 crore as on 31.03.2013.

Retail Lending etc; as per vibrant Loan Policy of the Bank. There was notable credit growth to preferred sectors like Agriculture, Construction, Housing sector, Education, Small & Medium Enterprises (MSME) etc. Advances to Housing Sector increased by 18.40% (from Rs.2360.33 crore as on 31.03.13 to Rs.2795.18 crore as on 31.03.14). Credit growth in MSME Sector was 39.50% (from Rs.10113.01 crore as on 31.03.13 to Rs.14107.89 crore as on 31.03.14). Credit exposure to industry other than infrastructure increased by 8.58% (from Rs.9000.80 crore on 31.03.2013 to Rs.9773.05 crore on 31.03.2014) which mainly comprised of sectors viz: Food processing (28.10%) from Rs.683.98 crore to Rs.876.19 crore etc. growth of credit to Textiles during FY 2013-14 was (3.17%) from Rs.1369.15 crore on 31.03.2013 to Rs1412.67 crore on 31.03.2014. Credit growth to infrastructure sector was in Energy (2.21%) (Earlier Power & Electricity) from Rs.12164.55 crore to Rs.12433.73 crore. Exposure in Energy Sector has increased due to restructuring of accounts of DISCOMS with additional funding.



blds _.k ewY;kadu d¨ v©j vf/kd Lkq–<+ djus gsrq cSad us Lkunh ys[kkdkjksa rFkk rduhdh O;fä;ä ¼bathfu;jäa½ dh ÒrÊ dh gSA _.kksa esa o`f) rFkk _.k vkosnuksa ds rqjar fuiVku gsrq cSad us ,d u;k O;kikj xzqi rS;kj fd;k gS tgk¡ mPp ewY; okys izLrkoksa dksizkFkfedrk nh tkrh gS rkfd os “kh?kzrk ls Lohd`r fd, tk ldsaA

izkFkfedrk {ks= vfxze

cSad us jk’Vªh; izkFkfedrkvksa ds fofHkUu y{;ksa ftuesa d`f’k] lw{e ,oa y?kq m|e] vkokl] f”k{kk] detksj oxksZa] vuqlwfpr tkfr@vuqlwfpr tutkfr rFkk vYila[;d leqnk;ksa gsrq lw{e&_.k “kkfey gSa dk]s iwoZ dh Hkkafr tkjh j[kk gSA

cSad ds ÁkFkfedrk {ks= vfxze esa 4096 djksM+ dh o`f) gqbZ tks fd 31-03-2013 d¨ :-13605 dj¨M+ :i, Lks c<d+j 31-03-2014 d¨ 17701dj¨M+ :i, g¨ x,A bl izdkj blesa okf’kZd vk/kkj ij 30 izfr”kr dh o`f) gqbZA

d`f"k vfxze

cSad ds Ñf"k&iksVZQksfy;ks esa vfxze fnukad 31-03-2014 dks :-7919 dj¨M+ :i, FksA ekpZ] 2014 ds var esa d`f’k _.kksa esa 3007 djksM:- dh o`f) gqbZA d`f’k vfxzeksa esa cMh vfHko`f) izR;{k d`f’k ds rgr gqbZ rFkk ;s vfxze 1151djksM :- dh “kq) o`f) ds lkFk 5537 djksM :- gks x, rFkk fiNys o’kZ dh vis{kk bl o’kZ 26 izfr”kr dh o`f) gqbZA

fo'ks"k d`f"k&_.k ;kstuk ¼,l,lhih½

cSad us d`f’k esa 100 izfr”kr ls vf/kd _.k izokg cuk, j[kkA cSad us foRr&o’kZ 2013&14 esa fo”ks’k d`f’k&_.k ;kstuk ¼,l,lhih½ ds vUrxZRk fu/kkZfjr y{; 7055 djksM+ :- ds fo#) 7271 djksM+ :- dk laforj.k fd;k rFkk y{; dk 103 izfr”kr izkIr fd;kA

fdlku dzsfMV dkMZ ¼dslhlh½

o’kZ 2013&14 ds nkSjku] cSad ds fdlku dzsfMV dkMksZa dh dqy la[;k 14% dh o`f) ds lkFk 19125 gks xbZA ekpZ] 2014 dks cSad ds fdlku dzsfMV dkMksZa ds rgr cdk;k _.k 4503 djksM :- FkkA fdlku dzsfMV dkMZ /kkjdksa dks fnukad 31-03-2014 rd 99265 fdlku dzsfMV dkMZ /kkjdksa dks ,Vh,e lefFkZr fdlku dzsfMV dkMZ miyC/k djok, x, rFkk 86% ik= dzsfMV dkMZ /kkjdksa dks doj fd;k x;kA

Lkw{e, y?kq v©j e>ksys m|¨x ¼,e-,Lk-,e-b-½

Lkw{e, y?kq v©j e/;e m|¨x, cSad dh _.k miyC/k djkus esa egRo okys {ks= jgs gSaA o"kZ 2013&14 ds n©jku, ,e,Lk,ebZ {ks= ds vfxzeä esa 40% dh c<r ds lkFk] 31-03-2014 dks 3996 djksM+ :- dh o`f) ds lkFk 14108 djksM :- jgsA

vYila[;d leqnk; fgr %

ekpZ] 2014 dks vYila[;d leqnk;ksa dks 6737 djksM :- ds vfxze vkacfVr fd, x, ftuesa 18% dh o`f) ntZ dh xbZ rFkk ;g izkFkfedrk {ks= dks dqy vfxze ds fu/kkZfjr Lrj 15% ds fo#) 38% gSA

efgyk m|fe;ksa dks _.k %

cSad ds efgyk m|fe;ksa dks vfxze 31-03-2014 dks 231djksM+ :- dh o`f) ds lkFk 2414 djksM+ :- jgs RkFkk ,,uchlh ¼ANBC½ dk 5% gSA

vuqlwfpr tkfr@vuqlwfpr tutkfr m/kkjdrkZvksa dks vfxze %

lekt ds vYilqfo/kk izkIr oxksZa dh lgk;rk esa cSad ds vuqlwfpr tkfr@vuqlwfpr tutkfr dks fn, x, vfxze ekpZ] 2014 dks 357 djksM+ :- gks x, tks fd ekpZ] 2013 dks 327 djksM+ :- FksA

vkfFkZd :i ls detksj oxksZa dks vfxze %

detksj oxZ lewgksa dks vfxze 17% dh okf’kZd o`f) nj ls 5578 djksM :- FksA ,,uchlh }kjk detksj oxksZa dks fu/kkZfjr vfxze 10% ds fo#) 11% jgkA

ljdkj }kjk pykbZ tk jgh jk’Vzh; xzkeh.k vkthfodk fe”ku ¼,uvkj,y,e½ ds rgr vkthfodk] jktho _.k ;kstuk] Lo.kZt;Urh “kgjh jkstxkj ;kstuk ¼,lts,lvkjokbZ½] rFkk iz/kkuea=h jkstxkj fuekZ.k dk;Zdze ¼ih,ebthih½ fofHkUu ;kstukvksa ds rgr cSad us

vuqlwfpr tkfr@vuqlwfpr tutkfr lfgr detksj oxksaZ dks foRrh; lgk;rk gsrq ,d fo”ks’k laxBu cuk;k gSA


Punjab & Sind Bank

To strengthen its credit appraisal, the Bank has recruited Chartered Accountants and Technical personnel i.e; Engineers. For improving credit off-take and expeditious disposal of loan proposals, Bank has introduced concept of New Business Proposal Committee, where all proposals of High Value are given in principle sanction /expression of interest for ensuring expeditious processing.

PRIORITY SECTOR ADVANCESBank continues to accord importance to varied goals under National priorities, including Agriculture, Micro & Small Enterprises, Housing, Education, Micro-credit, Weaker sections, SC/STs and Minority communities.

Priority Sector advances of the Bank increased by Rs.4096 crore, up from Rs.13605 crore as on 31.3.2013 to Rs 17701 crore as on 31.3.2014 thereby registering a growth of 30% on year to year basis.

AGRICULTURE ADVANCESBank’s advances under agriculture portfolio stood at Rs.7919 crore as on 31.3.2014 registering a growth of Rs.3007 crore. The major accretion under Agriculture has been under Direct Agriculture and these advances increased to Rs.5537 crore with an absolute growth of Rs.1151 crore registering a growth rate of 26 % over the previous year.

SPECIAL AGRICULTURAL CREDIT PLAN (SACP)

Special Agriculture Credit Plan (SACP) against the target of Rs.7055 crore, achieving 103% during the FY 2013-14.

KISAN CREDIT CARD (KCC)During the year 2013-14, the total number of KCCs of the Bank increased by 19125 showing growth rate of 14%. As at March 2014, the credit outstanding under KCCs was Rs.4503 crore. As at March 2014, 99265 KCC holders have been provided with ATM enabled ‘RuPay Kisan Debit Cards’ covering 86% of eligible KCC holders.

MICRO, SMALL & MEDIUM ENTERPRISES (MSMEs)Micro, Small & Medium Enterprises is a thrust area of the Bank in credit dispensation. Advances to MSME sector increased by Rs.3996 crore registering a growth rate of 40% in 2013-14 and stood at Rs.14108 crore as on 31.03.2014.

WELFARE OF MINIORITY COMMUNITY

18% and accounting for 38% of the total priority sector advances against the stipulated level of 15%.

CREDIT TO WOMEN ENTREPRENEURS:Bank’s credit to women entrepreneurs stood at Rs.2414 crore as on 31.03.2014 registering a growth of Rs.231 crore accounting for 5% of ANBC.

ADVANCES TO SC/ST BORROWERS

crore as at March 2014 from Rs.327 Crore as at March-2013.

ADVANCES TO ECONOMICALLY WEAKER SECTIONSAdvances to weaker sections aggregated to Rs.5578 crore, with a y-o-y growth of 17%. Advances to weaker sections formed 11% of ANBC against the minimum norm of 10%.

schemes namely Ajeevika under National Rural Livelihood Mission (NRLM), Rajiv Rinn Yojana, Swarna Jayanti Shahari Rojgar Yojana (SJSRY) and Prime Minister Employment Generation Programme (PMEGP).



_.k&fuxjkuh

cSad us vius lqLFkkfir _.k fuxjkuh ,oa ;kstuk foHkkx ds ek/;e ls] cSad dh vkd’kZd _.k ;kstuk rS;kjh ds }kjk blds vfxze iksVZQksfy;ks rFkk bldh xq.koRrk ,oa dk;Z&fu’iknu dks O;ofLFkr djus ds fy, blds vfxze iksVZQksfy;ks dh fuxjkuh ds fy, funsZ”k nsuk tkjh j[kk gSA

ubZ pwdkssa dh mfpr ,oa izHkko”kkyh fuxjkuh rFkk mUgsa de djus ds mik; djus ds fy, foHkkx us iz/kku dk;kZy; Lrj ij] oS;fDrd mPp ewY; [kkrksa dh fuxjkuh izkjEHk dh gSA

blds vfrfjDr] cSad us vfxze iksVZQksfy;ks dh fuxjkuh gsrq iz/kku dk;kZy; _.k fuxjkuh foHkkx esa fu;a=.k&d{k dh LFkkiuk dh xbZ gS] ftls lunh ys[kkdkjksa ¼lh,½ rFkk vuqHkoh vf/kdkfj;ksa dh ,d Vhe us O;ofLFkr fd;k gSA ;g Vhe m/kkj [kkrksa es mHkjrh _.k lEcU/kh leL;kvksa dh igpku djsxh rFkk rRlEcU/kh mfpr lfdz; dne mBkus ds fy, nSfud&fjiksVZ “kh’kZ izca/ku dks lkSaisxhA

cSad us fiNys foRr o’kZ esa [kksyh xbZ 101 “kk[kkvksa ds fo#) o’kZ 2013&14 esa 202 ubZ “kk[kk,a [kksyh ftuesa ls 72 “kk[kk,a ¼40 vfr y?kq “kk[kkvksa lfgr½ xSj cSafdax xzkeh.k {ks=ksa esa [kksyh xbZA

bySDVªksfud fMyhojh pSuy dk foLrkj djrs gq, cSad us o’kZ ds nkSjku 829 ,Vh,e baLVkWy fd,A bl izdkj cSad ds dqy ,Vh,e dh la[;k 31-03-2014 dks 1008 gks xbZ tks fd fiNys o’kZ fnukad 31-03-2013 dks 179 FkhA

xouZesaV fctusl ekWM~;wy ¼ihih,Q] ,uih,l o ,llh,l,l½ dks xfr”khy cuk;k x;kA

cSad us xzkgdksa dh lqfo/kk ds fy, 24×7 dkWy lsaVj lqfo/kk dh “kq#vkr dh gSA

o’kZ 2013&14 ds nkSjku cSad us MsfcV dkMZ dks ekLVj dkMZ ds lkFk VkbZ&vi djds “kq#vkr dhA

xzkeh.k {ks= esa viuh igq¡p c<+kus ds mn~ns”; ls o’kZ 2013&14 esa 115 xzkeh.k “kk[kk,a [kksyh xbZa rFkk orZeku 97d`f’k {ks=kf/kdkfj;ksa ds vfrfjDr 37 d`f’k {ks=kf/kdkfj;ksa dh fu;qfDr dh xbZA

cSad us cht mRiknu o izlaLdj.k bZdkbZ dks foRr&iks’k.k rFkk ,xzhdYpj bUiqV MhylZ ¼ cht] moZjd] dhVuk”kd vkfn½ dss foRr&iks’k.k gsrq ubZ ;kstuk,a “kq# dahaA

31-03-2013 dh 11 ,e,l,ebZ 'kk[kkvksa dh rqyuk esa 31-03-2014 dks cSad esa 29 ,e,l,ebZ 'kk[kk,¡ gSaA

cSad us y?kq ,oa e>ksys m|ksx _.k esa rsth ykus ds fy,, ,e,l,ebZ vfxze ij iquxZfBr C;kt njksa rFkk fj;k;rh iquxZfBr njksa ij ,e,lbZ ;wfuV dh dzsfMV jsfVax gsrq fdzfly ¼CRISIL½ ds lkFk le>kSrs ij gLrk{kj fd, gSaA

fo”ks’k vfHk;ku }kjk izkFkfed {ks= ds rgr _.kksa esa cM+k ifjorZu gqvkA fnukad 01 flracj] 2013 ls 31 ekpZ] 2014 ds nkSjku rd vk;ksftr fo”ks’k vfHk;ku@esxk ØsfMV dSEisu@^dksj ØsfMV Iyl dSEisu ds vUrZxr izkFkfedrk {ks= ds rgr 43152 [kkrksa esa 3851djksM+ :- dh jkf”k laforfjr dh xbZA

cSad }kjk Ák;¨ftr {ks=h; xzkeh.k cSad

gekjs cSad }kjk Ák;¨ftr vkjvkjch] Lkryqt xzkeh.k cSad] HkfBaMk] iatkc ds N% ftys ;Fkk cÇBMk] Qjhnd¨V] ekuLkk] eqäLkj] e¨xk rFkk yqf/k;kuk esa LFkkiuk dky Lks gh ykÒ esa py jgk gSA {ks=h; xzkeh.k cSad us fofÒé ekinaM¨a esa fuEukuqLkkj fujarj Áxfr dh gS%&

ekun.M 31-03-2013 31-03-2014

Tkek 264-73 306-46

dqy vfxze 203-56 256-14

ÁkFkfedrk {ks= vfxze 194-81 198-23

Ñf’k vfxze 175-28 181-79

“kq) ykÒ 1-55 2-36

vxz.kh cSad dh ftEesnkfj;k¡@foRrh; Lkk{kjrk ijke'kZ dsanzksa dh LFkkiuk ¼,Q,ylhlh½ %

cSad uss LkÒh rhu vxz.kh fty¨a ;Fkk e¨xk] Qjhnd¨V rFkk yqf/k;kuk dh ftEesnkfj;ka yh gSaA Hkkjrh; fjt+oZ cSad ds fn”kkfunsZ”kksa ds vuqlkj cSafdax ra= ls foRrh; lsokvksa dk ykHk mBkus ds fy, t:jrean O;fDr;ksa dks foRrh; lk{kjrk@_.k dkmalfyax lqfo/kkvksa


Punjab & Sind Bank

CREDIT MONITORING The Bank through its well-established Credit policy Department continues to give directions to its Advances Portfolios by preparing vibrant Loan Policy of the Bank and also monitor its Advances portfolio to maintain its quality and performance.

In order to have proper and effective monitoring to check fresh slippages and devise a strategy for their minimization, the department has started monitoring individual High Value Accounts at HO level.

Towards this end Bank has set up a control room at HO Credit Monitoring Department for monitoring of Credit

issues in borrowal accounts and puts up the position before Top Management on daily basis for taking proactive corrective steps.

NEW INITIATIVESBank has opened 202 new branches during the year 2013-14 as against 101 new branches opened in last

To widen the spread of Electronic Delivery Channels, Bank installed 829 additional ATMs during the year. Total number of ATMs of the Bank as on 31.03.2014, stood at 1008 as compared to 179 as on 31.03.2013.

Government Business Modules (PPF, NPS & SCSS) have been made operational.

To facilitate customers, Bank has introduced 24*7 Call Center facility through Toll free number.

Bank has launched Debit Card in tie up with Master Card during the year 2013-14.

In order to outreach masses, Bank has opened 115

Bank has introduced new scheme for Financing Seed production and processing units and scheme for Financing of Agriculture Input dealers (Seeds, fertilizers, pesticides etc).

As on 31.03.2014, Bank has 29 MSME branches as against 11 MSME branches as on 31.03.2013.

To give boost to MSE credit, Bank signed a MOU with CRISIL for credit rating of MSE units at concessional rate to have rationalized mechanism of rate of interest on MSME advances.

There has been a quantum jump in lending under Priority Sector through special drives. An amount of Rs.3851 crore was disbursed in 43152 accounts under Priority Sector during the Special Drives / Mega Credit Campaign/ Core Credit plus campaign held from 1st September, 2013 to 31st March, 2014.

RRB SPONSORED BY THE BANKSutlej Gramin Bank, Bhatinda, the RRB sponsored by the Bank, covers six districts of Punjab viz. Bhatinda, Faridkot,

parameters is as under:

(Amount in Crore)

Parameter 31.3.2013 31.03.2014

Deposits 264.73 306.46

Advances 203.56 256.14

Priority Sector Advances 194.81 198.23

Agriculture Advances 175.28 181.79

1.55 2.36

LEAD BANK RESPONSIBILITY/SETTING UP OF FINANCIAL LITERACY AND CREDIT COUNSELLING CENTRES (FLCCs)

Bank has lead bank responsibilities in 3 districts of Punjab viz., Moga, Faridkot and Ludhiana. Pursuant to the directions of Reserve Bank of India, Bank has set up FLCCs in the name of “PSB Suvidha Centres” in all three lead



dh tkudkjh nsus rFkk _.k&Hkkj ds dkj.k foRrh; rukoxzLr yksxksa dks dkmaflfyax lqfo/kk miyC/k djokus gsrq mDr rhuksa ftyksa esa ih,lch lqfo/kk dsUnz* ds uke ls ,Q,ylhlh dh LFkkiuk dh xbZ gSA

xzkeh.k fodkl esa ;ksxnku %

cSad us d`f’k ,oa xzkeh.k fodkl foHkkx gsrq ih,lch VªLV LFkkfir fd;k gSa rkfd fdlkuksa dks izf”k{k.k iznku djus ds fy, izf”k{k.klaLFkku dh LFkkiuk rFkk xzkeh.k ;qokvksa@efgykvksa@vkfFkZd :Ik ls det+ksj oxksZa dh {kerk fodkl o VSªDVj j[k&j[kko] i’kq dY;k.kdSai lapkyu vkfn mn~ns”;ksa dks iwjk fd;k tk ldsA

Hkkjr ljdkj] xzkeh.k fodkl ea=ky; ¼,evksvkjMh½ ds iz;klksa ds vuqlkj cSad us d`f’k ,oa xzkeh.k jkstxkj ds ih,lch VªLV ds RkRoko/kku esa iatkc ds rhu vxz.kh ftyksa&eksxk] QjhndksV] yqf/k;kuk esa xzkeh.k ;qokvksa ds e/; m|ferk fodkl dks c<kok nsus rFkkLo&jkstxkj dk;ksZa dks izksRlkfgr djus ds fy, ^xzkeh.k Lo&jkstxkj izf”k{k.k laLFkku* ¼vkj,lbVh½ LFkkfir fd, gSaA bu xzkeh.k Lo&jkstxkj izf”k{k.k laLFkkuksa ¼vkj,lbVh½ ds fy, ifjpkyukRed O;;] lg;ksxh deZpkfj;ksa dks osru rFkk ewyHkwr lqfo/kk,a ;s lHkh d`f’k ,oa xzkeh.k fodkl foHkkx }kjk miyC/k djokbZ xbZ gSaA o’kZ 2013&14 ds nkSjku bu izf”k{k.k LkaLFkkuksa esa 1410 izf”k{k.kkfFkZ;kas dks izf”kf{kr fd;k x;k] ftlls vc rd 4729 csjkstxkj izf”k{k.k izkIRk dj pqds gSaA

xzkeh.k fodkl ea=ky; ¼,evksvkjMh½ ds fn”kk&funsZ”kksa ds vuqlkj iatkc ljdkj us xzkeh.k Lo&jkstxkj izf”k{k.k laLFkku LFkkfir fd, tkus ds fy, Hkwfe vkcafVr dj nh gSA xzkeh.k fodkl ea=ky; ls izkIr foRrh; lgk;rk ls eksxk esa xzkeh.k Lo&jkstxkj laLFkku*

ds fy, HkofuekZ.k dk;Z iwjk gks x;k gSA QjhndksV esa fuekZ.k dk;Z izxfr ij gS rFkk yqf/k;kuk esa fuekZ.k dk;Z izfdz;k esa gSA

foÙkh;&Lkekos'ku

foŸkh;&Lkekos”ku dsoy ,d ÁfØ;k gh ugÈ gS] cfYd cSad dk ,d fe”ku gS rkfd tu&Lkk/kkj.k ds oafpr rFkk v;¨X; [kaM¨a d¨ Lk”kä fd;k tk, rFkk cSad dk Á;kLk gS fd og bu y¨x¨a tSls fd ^vioftZr dk lekos”ku* d¨ cSaÇdx Á.kkyh Lks t¨Ms v©j mUgsa Lkekt dh ,d mRiknd vkfLr cuk,aA blds fy, cSad }kjk fd, x, iz;kl fuEukuqlkj gSa%&

cSad dks 2000 ;k blls vf/kd vkcknh okys 400 rFkk 2000 ls de vkcknh okys 2316 xSj cSafdx xk¡o vkcafVr fd, x, FksA bu xkWaoksa dks cSad us baZV&xkjs dh “kk[kk ;k O;olk; izfrfuf/k ¼chLkh½ ekWMy vk/kkfjr lwpuk ,oa lapkj izkS|ksfxdh ds ek/;e Lks doj fd;k gSA fnukad 31-03-2014 rd 2000 ls vf/kd vkcknh okys 400 xk¡o esa ls 359 xk¡o O;olk; izfrfuf/k ds varxZr doj fd, tk pqds gSa rFkk budk ukekadu Hkh izkjaHk gks pqdk gS] 38 xk¡oksa esa xzkeh.k “kk[kk,a [kksydj mUgsa doj fd;k x;k gS rFkk ef.kiqj esa 3 xk¡oksa esa fonzksg ds dkj.k ukeakdu “kq# ugha gks ik;kA 2000 ls de vkcknh okys 2316 xk¡oksa esa ls 334 xk¡oksa esa 193 O;olk; izfrfuf/k rSukr dj mUgsa doj fd;k x;k gSA

cSad us 3 o’kksZa esa 120 vfr y?kq “kk[kk,a ¼dze”k% 2013&14] 2014&15 o 2015&16 izR;sd o’kZ esa 40½ [kksyus dh ;kstuk cukbZ gSA orZeku foRrh; o’kZ ds 40 vfr y?kq “kk[kk,a [kksyus ds y{; dks cSad us izkIr dj fy;k gSA bu “kk[kkvksa dks cSad ds lhch,l IySVQkWeZ ij [kksyk x;k gS rFkk bUgsa cSad ds LFkkbZ LVkQ lnL;ksa }kjk lapkfyr fd;k tk jgk gSA

cSad esa foRrh; lekos”ku xsVos ¼,QvkbZxsVos½ dks lQyrkiwoZd dk;kZfUor dj fn;k x;k gS rFkk fnukad 31-03-2014 dks dqjyh ¼iatkc½ esa cSad dk fd;ksLd ykbZo ij izFke xzkgd lsok dsanz cu x;k gSA

O;olk; izfrfuf/k;ksa ds ek/;e 65]000 uks&fQzy [kkrs [kksys x, rFkk ekpZ] 2014 rd 0-26 djksM+ dh cdk;k jkf”k ds lkFk dqy uksfQzy [kkrksa dh la[;k 1-45 yk[k [kksys x,A uks fQzy [kkrksa esa lap; jkf'k 10-86 yk[k :i;s] dqy cdk;k jkf'k 61-84 djksM+ gSA

4503-31 djksM+ :i, dh cdk;k jkf”k lfgr 154570 fdlku dzsfMV dkMZ tkjh fd, x,A

cSad us 12-72 djksM+ :- dh jkf”k lfgr 2-88 yk[k [kkrksa esa 500@&:- dh vksoj MªkWQV dh] izfr [kkrk lqfo/kk dk ykHk fn;k gSA

lHkh ,QvkbZ [kkrksa dks lhch,l loZj esa LFkkukarfjr dj fn;k x;k gS rFkk iwjh izfdz;k ifjpkfyr gSA

foRr ea=ky; ds fnukad 16-11--2012 ds fn”kkfunsZ”kksa ds vuqlkj 43 ftyksa esa fnukad 01-01-2013 ls izR;{k udnh varj.k lqfo/kk dks dk;kZfUor dj fn;k x;k gS rFkk fnukad 1-07-2013 ls izHkkoh f}rh; pj.k esa 78 vkSj “kk[kkvksa esa bldk foLrkj fd;k x;k gSA izR;{k udnh varj.k 121 ftyksa esa igys gh ls dk;kZfUor gSA

,yihth ykHkkfFkZ;ksa ds fy, MhchVh,y ;kstuk dks 289 ftyksa esa dk;kZfUor fd;k tk pqdk gS rFkk ns”k ds vU; Hkkxksa esa Hkh bls pj.kc) :i ls dk;kZfUor dj fn;k tk,xkA gekjk cSad ftyk yqf/k;kuk] QjhndksV rFkk eksxk esa yhM cSad gSA


Punjab & Sind Bank

to debt burden.

CONTRIBUTION TO RURAL DEVELOPMENT‘PSB Trust for Development of Agriculture and Rural Employment ‘(PSB Trust for DARE) has been established with the objectives of setting up training institutes for imparting trainings to farmers and for capacity building of the rural youth/women/economically weaker sections and also organizing tractor maintenance, animal welfare camps etc. through Rural Development Centres.

As per initiative of Ministry of Rural Development (MoRD), Govt. of India, Bank under the aegis of ‘PSB Trust for Development of Agriculture and Rural Employment has established ‘Rural Self Employment Training Institutes (RSETIs)’ in three of its lead districts Moga, Faridkot and Ludhiana in Punjab to promote entrepreneurship development among rural youth and encourage them taking up self-employment activities. The operational expenditures, salary to support staff and infrastructure facility of these RSETIs are fully met by Trust for Development of Agriculture and Rural Employment (DARE). During 2013-14, these training institutes have trained 1410 unemployed candidates, taking the tally to 4729 trained youths since inception.

As per MoRD guidelines, Government of Punjab allotted land for setting up Rural Self Employment Training Institutes

Moga is completed. The construction work at Faridkot is in full swing and at Ludhiana the work is under progress.

FINANCIAL INCLUSIONFinancial Inclusion is not only a process but a Mission for the Bank to empower deprived and underserved sections of the population and the endeavor of the bank has been to connect these people with the banking system i.e. “inclusion of the excluded” and make them a productive asset of the society. Key initiatives of the bank are as under:

Bank has been allotted 400 unbanked villages with population above 2000 and 2316 unbanked villages with population below 2000. These villages have been covered by the bank either by opening regular Brick and Mortar Branches or through Information Communication Technology (ICT) based Business Correspondent (BC) model. As on 31.03.2014, out of the 400 villages with population above 2000, 359 villages have been covered by deployment of BCAs and enrolment have already been started, 38 villages have been covered by opening Rural Branches. Out of 2316 villages with population less than 2000, 334 villages have been covered by deployment of 193 BCAs.

Bank has planned to open 120 USBs over a period of 3 years i.e. 40 each in 2013-14, 2014-15 and 2015-16. Bank has achieved the 2013-14 targets for opening of 40 USBs. These branches have been opened on CBS platform of the bank and are managed by permanent staff of the bank.

FI Gateway has been successfully implemented and Bank has made Ist CSC Kiosk live on 31.01.2014 at Kurali (Punjab).

During the year, Bank has opened 65,000 additional No-Frill Accounts through BCs and total No-frill accounts opened up to March 2014 are 1.45 Lacs with total outstanding of Rs. 0.26 crore. The Cumulative

Bank has issued 154570 KCCs with a total outstanding of Rs. 4503.31 crore.

Bank has provided Over Draft facility of Rs. 500/- per account availed in 2.88 lacs No-frill Accounts with overdraft amount of Rs. 12.72 crore.

All FI accounts have been migrated to CBS Server and total system has since been operationalised.

IMPLEMENTATION OF DIRECT CASH TRANSFER (DCT) & DBTL

In terms of the directions of Ministry of Finance, Direct Cash Transfer (DCT) has been implemented in 43 districts in a phased manner w.e.f. 01.01.2013 and has been extended to 78 more districts in Phase II w.e.f. 01.07.2013. The DCT Scheme is already implemented in 121 districts.

out in rest of the country in phased manner. Our Bank has a lead role in District Ludhiana, Faridkot and



cSad }kjk ,yihth ykHkkfFkZ;ksa ds [kkrksa esa muds vk/kkj uacj izfof’V dh izfdz;k tkjh gSA ykHkkfFkZ;ksa dh la[;k rFkk vk/kkj izfof’V dk ftykokj C;kSjk fuEukuqlkj gS %

QjhndksV 116811 88853¼76-07%½ 82116¼70-30%½

yqf/k;kuk 958241 647610¼67-58%½ 554230¼57-84%½

eksxk 181195 89654¼48-48%½ 63981¼35-31%½

[kqnjk foi.ku %

cSad us [kqnjk _.kksa ds fy, cgqr xgurk Lks dk;Z fd;k v©j [kqnjk [kaM ds varxZr vkus okys mRiknä gsrq uhfr dk mnkjhdj.k fd;k rFkk cktkj esa vius mRiknä d¨ ÁfrLi/kkZRed cukus gsrq C;kt&njä d¨ v©fpR;iw.kZ cuk;kA cSad dh yksu cqd ds xgu izca/ku] tksf[ke de djus rFkk ykHkiznrk c<+kus ds fy, fof”k’V iz;kl izkjaHk fd, x,A

bLkds vfrfjä vkokLk _.k] vkWV¨ _.k rFkk miHkksDrk _.k&m/kkfj;ä ds fy, fo”ks’k QsfLVoy cksukat+k ;¨tuk vkjaÒ dhA o’kZ ds n©jku dqN u, mRikn Òh vkjaÒ fd, x,A o’kZ ds nkSjku u, [kqnjk _.kä esa fiNys o’kZ dh rqyuk esa 6 Áfr”kr dh o`f) ntZ dh xbZA

o’kZ ds n©jku Lkdy vfxzeä esa [kqnjk _.k dk Áfr”kr 31-03-2014 dks 6-91izfr”kr ds yxHkx FksA

blds vfrfjDr vftZr eqnzk ds foRriks’k.k gsrq jkT; ljdkj ds fofHkUu foHkkxh; izkf/kdkfj;ksa }kjk “kq: dh xbZ cqfdax ;kstuk esa lgHkkfxrk dhA

cSad }kjk [kqnjk _.kksa ds laHkkO; m/kkjdrkZvksa ds fy, lfgr vkWuykbZu vkosnu tek djus dh lqfo/kk vkjaHk dh gS] blesa mudh bZ&VªSd LVsV~l lqfo/kk Hkh gSA

cSad us vkWVks _.kksa dks c<+kus ds fy, egRoiw.kZ O;kikfjd rFkk iSlsatj dkj eSU;wQSDplZ ds lkFk ,evks;w (MOU) izfØ;k esa izos'k dj jgk gSA

vkfLr xq.koRrk

cSad us vutZd vkfLr;ksa ij fu;a=.k ds fy, vusd iz;kl fd, gaS rFkk fof/kd lk/kuksa ,oa ckrphr ij vk/kkfjr le>kSrksa lfgr olwyh ds lHkh miyC/k lk/kuksa dk iz;ksx fd;k gSA cSad us f

ds izko/kkuksa dk izHkkoh :i ls iz;ksx fd;k gSA cSad us bl foRrh;&o’kZ esa fofHkUu dsUnzksa ij olwyh dSEi dk vk;kstu fd;kA o’kZ ds nkSjku cSad dh olwyh izca/ku ;kstuk ds vfrfjDr vfu.khZr nks [kkrksa rFkk d`f’k {ks= ds vUrxZr vutZd vkfLr;ksa ds fuiVku gsrq nks vYikof/k ;kstukvksa dk fu:i.k fd;k gSA lHkh 1554 ekeyksa esa 85-87 djksM+ :- esa fuiVku gqvkA

o’kZ ds nkSjku xSj&fu’ikfnr [kkrksa esa cSad dh olwyh vPNh jghA olwyh esa vkdzked rFkk dsfUnzr iz;klksa ds

ifj.kkeLo:i 95-21 djksM+ :- dh rduhdh cV~Vk [kkrksa esa olwyh lfgr dqy 493-72 djksM+ :- ls vf/kd dh olwyh dh tk ldhA

rFkkfi ,uih, c<us ds ckotwn] dqy rFkk fuoy ,uih, fnukad 31-03-2013 ds 1536-90 djksM+ :- ,oa 1110-38 djksM+ :- dh vis{kk 2553-52 djksM+ :- rFkk 1918-60 djksM+ :- jgkA

31-03-2014 dks xSj&fu’ikfnr vkfLr;ksa dh ldy ,oa fuoy fLFkfr 31-03-2013 dh rqyuk esa fuEukuqlkj gS %&

ldy 1536-90 2-96% 2553-52 4--41%

fuoy 1110-38 2-16% 1918-60 3-35%

fnukad 31-03-2014 dks cSad dk izko/kku lqj{kk vuqikr ¼rduhdh cV~Vk [kkrksa lfgr½ 45-51% jgkA

fuos'k izca/ku ,oa fons'kh fofue; %

pkyw foRr o’kZ ds nkSjku cSad dh dkWjiksjsV {ks= dh vko”;drk] tksf[ke olwyh ,oa fuos”k uhfr ds vuq:i dkjksckjh lajpuk lfgr cSad dk dqy fuos”k 25-48% dh o`f) ds lkFk 28346-61 djksM- :- gks x;k gSA

xSj lkafof/kd pyfuf/k vuqikr izfrHkwfr;ksa rFkk ljdkjh izfrHkwfr esa O;kikfjd fdz;k”khyrk [kkrs ij izfrHkwfr fodz; ykHk ekpZ] 2013dks lekIr foRr&o’kZ esa 62-98 djksM+ :- ls c<+dj fnukad 31-03-2014 dks o’kZ dh lekfIr ij 125-37 djksM+ :- gks x;k FkkA


Punjab & Sind Bank

st March2014 is appended below :

Name of District Aadhaar seeded by OMCs Aadhaar seeded by bank

Faridkot 116811 88853 (76.07%) 82116 (70.30%)

Ludhiana 958241 647610 (67.58%) 554230 (57.84%)

Moga 181195 89654 (49.48%) 63981 (35.31%)

RETAIL MARKETINGThe Bank aggressively pursued Retail Lending through liberalization of policy for products under the Retail segment,

initiatives to provide depth to the Loan book of the Bank.

Further, Special Festival Bonanza Scheme was launched for providing Housing Loan, Auto Loan and Consumer Loan to existing and new customers. New innovative Retail products were also launched during the year. The growth in fresh Retail lending was above 6% over previous year.

The percentage of Retail loans to gross advances was 6.91% as on 31-03-14.

Further, the Bank participated in the booking schemes launched by various Housing Development Authorities of

The Bank has introduced a facility of online submission of application form by prospective borrowers for Retail Loans with a facility to track the status online.

The Bank also initiated the process for entering into MOU with major commercial and passenger car manufactures to boost Auto lending.

ASSETS QUALITYThe Bank continued to make concerted efforts to contain NPAs and has used all available tools of recovery including negotiated settlements and legal means. The provisions of “The Securitization & Reconstruction of Financial Assets & Enforcement of Security Interest Act – 2002” were used effectively. The Bank also organized Recovery Camps during the year at various centers. During the year, two short term schemes for settlement of NPAs were formulated under Agriculture Sector and unsecured T.W.O accounts apart from Bank’s Recovery Management Policy. In all 1554 cases were settled at Rs.85.87 Crore.

The performance of the Bank under recovery of NPAs during the year continued to be good. The aggressive and focused efforts could result in the total recovery of over Rs.493.72 Crore including recovery of Rs.95.21 crore in Technically Written Off accounts.

However, despite higher slippage, the gross and net NPAs as on 31.03.2014 have been contained at Rs.2553.52 crore and Rs.1918.60 crore as against Rs. 1536.90 crore and Rs. 1110.38 crore as on 31.03.2013 respectively.

The position of Gross and Net NPAs as on 31.03.2014 vis-à-vis previous year is as under:

(Amount in crore)

NPA As on 31.03.2013 As on 31.03.2014

GROSS 1536.90 2.96% 2553.52 4.41%

NET 1110.38 2.16% 1918.60 3.35%

The Provisioning Coverage Ratio of the Bank (including T.W.O a/cs), as on 31.03.2014 stood at 45.51%.

INVESTMENT & FOREIGN EXCHANGE

composition consistent with the corporate requirement, risk perception and investment policy of the Bank.

crore for the year ended 31.03.2014 on account of trading activities in G-sec and Non-SLR securities.



o’kZ 2013&14 esa fons”kh eqnzk&varj.k esa fofue; ykHk 26-91 djksM+ :- jgkA ¼fons”kh dks’k½

t¨f[ke Áca/ku

cSad us ;g Lkqfuf”pr djus ds fy, fd mLkds t¨f[ke ifjÒkf"kr t¨f[ke {kerk ds Òhrj gS v©j mudh i;kZIr :i Lks fuxjkuh dh tkrh gS, ,d Lkq–< ,dhÑr t¨f[ke Áca/ku Á.kkyh d¨ dk;Z:i fn;k gSA cSad es t¨f[ke {kerk rFkk ÁÒkoh t¨f[ke Áca/ku dk;e djus dk LkEiw.kZ mŸkjnkf;Ro cSad ds funs'kd e.M+y ,oa 'kh"kZLFk cSad Áca/ku ij gSA cSad esa ,dhÑr t¨f[ke Áca/ku Á.kkyh ds dk;kZUo;u dh fuxjkuh Á/kku dk;kZy; t¨f[ke Áca/ku foÒkx ¼vkj.,e.Mh.½}kjk dh tkrh gS, ftLkds Áeq[k egkÁca/kd gSaA

fuEufyf[kr 'kh"kZLFk Lkfefr;ä ds ek/;e Lks t+¨f[ke Áca/ku fd;k tkrk gS %

1- t¨f[k+e Áca/ku Lkfefr ¼vkj.,e.Lkh.½-,d cksMZ Lrjh; Lkfefr

2- _.k t¨f[ke Áca/ku Lkfefr ¼Lkh.vkj.,e.Lkh.½3- vkfLr ,oa ns;rk;sa Áca/ku Lkfefr ¼, ,y d¨½

4- Lkapkyuxr t¨f[ke Áca/ku Lkfefr ¼v¨.vkj.,e.Lkh.½5- vkbZlh,,ih ds vuqlkj iawthxr ;kstuk lfefr

;s Lkfefr;k¡ t¨f[ke Áca/ku Lkfefr ¼vkj.,e.Lkh.½/funs'kd eaMy }kjk vuqe¨fnr LkE;d~ ekxZn'kÊ funsZ'kä rFkk uhfr;ä dh ifjf/k esa

viuk dke djrh gSA

uhfr&ra=

cSad ds Lke{k fofÒé t¨f[keä d¨ ekius, Áca/ku ,oa fu;a=.k djus ds fy, cSad us funs'kd e.My }kjk vuqeksfnr uhfr;k¡ rFkk

dk;Zfof/k;k¡ cukbZ gSaA

cSad ds LkeLr Ádkj ds t¨f[keä ds fo”ys"k.k djus ds mÌs”; Lks ,dhÑr t¨f[ke Áca/ku uhfr rS;kj dh xbZ gSA vU; egRoiw.

kZ t¨f[ke uhfr;ä esa vkfLr ns;rk Áca/ku ¼,.,y.,e.½ uhfr, fuos”k&uhfr, _.k&uhfr, t¨f[ke vk/kkfjr vkarfjd ys[kk–ijh{kk ¼vkj.ch.vkbZ.,.½, _.k ys[kk-ijh{kk, ns”kh; t¨f[ke Áca/ku uhfr, MSfjosfVo uhfr, ifjpkyuxr t¨f[ke Áca/ku uhfr, O;oLkk; Lkrr~ vk;¨tuk

¼ch.Lkh.ih.½rFkk vkink oLkwyh Áca/ku ¼Mh.vkj.,e.½ uhfr, LVªsLk VSaÇLVx uhfr, _.k t¨f[ke de djus dh uhfr, vkarfjd iwath i;kZIrrk

ewY;kadu ÁfØ;k uhfr 'kkfey gSaA vkj.,e. Lkh./funs”kd eaMy }kjk okÆ"kd vk/kkj ij bu uhfr;ä dh Lkeh{kk dh tkrh gSA

cSad dk csLky-II ds LkkFk vuqikyu

Òkjrh; fjt+oZ cSad ds fofu;ked fn”kk-funsZ”kä ds vuqLkkj cSad us 31-03-2009 d¨ ÁÒkoh frfFk Lks ubZ iwath i;kZIrrk ÝseodZ d¨

viuk;k gSA csLky-II ds vk/kkj ij cSad u;h iwath ÁÒkj dh Lkax.kuk ds fy, _.k t¨f[ke gsrq ekud –f"Vd¨.k cktkj t¨f[ke gsrq

:ikarfjr vof/k –f"Vd¨.k rFkk ifjpkyuxr t¨f[ke gsrq ewy Lkadsrd –f"Vd¨.k d¨ viuk;k gSA cSad us csLky-III ds fn”kk-funsZ”kä

dks dk;kZfUor fd;k gS vkSj Lkh.vkj.,.vkj. dh Lkax.kuk “kq# dh gS rFkk ;g twu] 2013 ls izHkkoh gSA cSad ds funs”kd e.M+y }kjk Lkh.vkj.,.vkj. dh frekgh vk/kkj ij leh{kk dh tkrh gSA cSad Òkjrh; fjt+oZ cSad ds funsZ”kkuqLkkj csLky-II ds varxZr mér –f"Vd¨.k

dh v¨j vxzLkj güs ds fy, rS;kj gSA csLky-II ds mUur n`f”Vdks.k dh vksj vxzlj gksus rFkk csLky-III ds fn”kkfunsZ”kksa ds dk;kZUo;u

gsrq cSad esa foLr`r ladyu tksf[ke izca/ku m|e izfdz;k ¼bZvkbZvkj,e,l½ dh LFkkiuk gsrq ,d ijke”kZnkrk dh fu;qfDr dh gSA

vkb-Lkh-,-,-ih- uhfr

csLky-II o csLky-III, fiyj& 2& “i;Zos{k.kh; Lkeh{kk ,oa ewY;kadu ÁfØ;k ¼,Lk.vkj.bZ.ih.½” fo"k;d Òkjrh; fjt+oZ cSad ds fn”kk-funsZ”kä ds vuqikyu esa ;g Lkqfuf”pr djus ds fy, fd iwath vko”;drk dk ewY;kadu, cSad ds vkdkj, tfVyrk dk Lrj, t¨f[ke

Á¨Qkby rFkk Lkapkyu dh ifjf/k ds vuq:i gS, vkrafjd iwath i;kZIrk ewY;kadu ÁfØ;k ¼vkbZ.Lkh.,.,.ih.½ uhfr d¨ rS;kj fd;k gSA

fofÒé vof”k"V t¨f[keä dk fu/kkZj.k fd;k tkrk gS rFkk tgk¡ visf{kr g¨ ogk¡ vfrfjä iwath miyC/k djkbZ tkrh gSA orZeku rFkk

vuqekfur foŸkh;/iwathxr fLFkfr ds fo”ys"k.k rFkk xqatkb”k ds vk/kkj ij cSad dh iwathxr i;kZIrrk dk fu/kkZj.k fd;k tkrk gSA

fofÒé LVªsLk ifjfLFkfr;ä Lks güs okys LkEÒkfor ÁÒkoä dk cSad dh ykÒÁnrk dh {kerk ds LkanÒZ esa vk?kkr Lkgu djus rFkk cSad dh

iwath ij bLkds ijorÊ ÁÒko ds ewY;kadu ds fy, LVªsLk VSLV vH;kLk Òh fd;k tkrk gSA vkbZ-lh-,-,-ih- ifj.kke frekgh vk/kkj ij

rS;kj fd;k tk gS rFkk tksf[ke izca/ku lfefr ¼vkj-,e-lh-½ }kjk bldh leh{kk dh tkrh gSA


Punjab & Sind Bank

RISK MANAGEMENTThe Bank has put in place a robust and integrated Risk Management system to ensure that the risks assumed by the Bank

appetite and effective risk management rests with the Board and apex level management of the Bank. The implementation of Integrated Risk Management System in the Bank is monitored by HO Risk Management Department (RMD) which is headed by General Manager.

Risk is managed through following Apex committees viz.

Risk Management Committee (RMC)- a Board level Committee

Credit Risk Management Committee (CRMC)

Asset and Liabilities Management Committee (ALCO)

Operational Risk Management Committee (ORMC) and

Capital Planning Committee as per ICAAP

These committees work within the overall guidelines and policies approved by the Risk Management Committee (RMC) / Board.

POLICY FRAMEWORKThe Bank has Board approved policies and procedures in place to measure, manage and control various risks that the Bank is exposed to.

of the bank and to integrate all the risks of the Bank. The other important risk policies comprise of Asset-Liability Management (ALM) Policy, Investment Policy, Loan Policy, Risk Based Internal Audit (RBIA), Credit Audit, Country Risk Management Policy, Derivatives Policy, Operational Risk Management Policy, Business Continuity Planning (BCP) & Disaster Recovery Management (DRM) Policy, Stress Testing Policy, Policy on Utilization of Credit Risk Mitigation, ICAAP Policy. The policies are reviewed annually by the RMC / Board.

BANK’S COMPLIANCE WITH BASEL-IIIn terms of Regulatory Guidelines of Reserve Bank of India, the Bank has adopted the New Capital Adequacy Framework w.e.f. 31.03.2009. Based on Basel II norms, the Bank has adopted Standardized Approach for Credit

the capital charge. The Bank has also implemented Basel III Guidelines and has started computing CRAR w.e.f. June 2013. The CRAR position of the Bank is reviewed by the Board on a quarterly basis. Bank is geared for moving towards advanced approaches under BASEL II as suggested by RBI. Bank has also appointed a Consultant for setting up Enterprise Wide Integrated Risk Management System (EIRMS) in the Bank for moving to Advance approaches of Basel II and implementation of Basel III Guidelines.

ICAAP POLICYIn compliance with the Reserve Bank of India guidelines on Basel II & Basel III – Pillar 2- Supervisory Review and Evaluation Process (SREP), the Internal Capital Adequacy Assessment Process (ICAAP) Policy has been formulated to

of the Bank. Various residual risks are assessed and additional capital is provided for wherever required. The capital

the headroom available.

Stress Testing exercises are also undertaken to assess the likely impact of various stress situations in relation to capacity

on half yearly basis and is reviewed by RMC.

DISCLOSUREIn compliance with the Reserve Bank of India guidelines on Basel II & Basel III – Pillar 3 – Market Discipline, the Bank has put in place a Disclosure Policy duly approved by the Board and the disclosures on quarterly / Half yearly / Annual basis, as per the policy, are displayed on the Bank’s Website / Annual Report.



ÁdVhdj.k

csLky-II o csLky-III, fiyj &3&“ckt+kj vuq”kkLku” fo"k;d Òkjrh; fjt+oZ cSad ds ekxZn”kÊ-funsZ”kä ds vuqikyu esa cSad ds funs”kd–eaMy }kjk fof/kor~ vuqe¨fnr ÁdVhdj.k uhfr ykxw dh gS v©j bLk uhfr ds vuqLkkj frekgh/Nekgh/okÆ"kd vk/kkj ij bUgsa cSad dh oScLkkbZV/okÆ"kd fji¨VZ esa ÁnÆ”kr fd;k tkrk gSA

_.k&t¨f[ke

_.k&t¨f[ke Áca/ku ÁfØ;kvksa esa bLkdh igpku, vkdkj, _.k&dkj¨ckj ij fuxjkuh o fu;a=.k ‘kkfey gSA _.k t¨f[ke Áca/ku Lkfefr ¼Lkh-vkj-,e-Lkh½ }kjk _.k t¨f[ke rFkk uhfr&fuekZ.k dk Áca/ku fd;k tkrk gSA bLk Lkfefr }kjk m|¨x] dkji¨jsV] fjVsy rFkk O;fä@Lkewg _.kdŸkkZvksa dh foosdiw.kZ Lkhekvksa dh fuxjkuh fu;fer :i Lks dh tkrh gSA

,d O;kid _.k jsÇVx ÝseodZ ftLkesa _.k jsaÇVx t¨f[ke ekMyä d¨ dkiksZjsV rFkk fjVsy _.kä ds fy, t¨f[ke fu/kkZj.k Lks Lkacaf/kr _.kä dk ewY;kadu rFkk _.k jsaÇVx ds fy,] m|¨xä@i¨VZQ¨fy;¨ dk v/;;u ,oa fo”ys”k.k ds fy, v©j _.k jsfVax ds mRÁokLkä ds fy, Á;¨x fd;k tk jgk gSA

cktk+j t¨f[k+e

C;kt&njä rFkk eqæk&njä esa ifjorZu ds QyLo:i cSad dk i¨VZQ¨fy;¨ ckt+kj t¨f[k+e Lks ÁÒkfor g¨rk gSA

vkfLr ns;rk Lkfefr ¼,yd¨½ ckt+kj t¨f[ke Lks Lkacaf/kr dke dkt dh fuxjkuh djrh gSA cSad us fofÒé cktkj t¨f[ke eki&Á.kkyh o Lkk/kuä d¨ ykxw fd;k gSA fofÒé ifjLkhekvksa dk Lk[rh Lks ikyu rFkk mYya?kuä esa o`f), ;fn d¨bZ g¨, dk mfpr vuqLkj.k fd;k tkrk gSA

rjyrk Áca/ku ra= LkqLFkkfir gS, t¨fd ns; güs ij, cSad ds LkeLr Òqxrku nkf;Roä d¨ iwjk djus ds LkkeF;Z d¨ Lkajf{kr djrk gSA ;g cSad dh rjyrk t¨f[ke fLFkfr d¨ igpkuus, ekius rFkk Lkapkyu djus ds fy, cuk;k x;k gSA

cSad] fofu;ked fn”kk-funsZ”kkuqLkkj :ikarfjr vof/k i)fr dk mi;¨x djds ekudhÑr –f"Vd¨.k ds vuqLkkj ckt+kj t¨f[ke ÁÒkj dh Lkax.kuk djrk gSA cSad vius fons”kh fofue; i¨VZQ¨fy;¨ ij Òh t¨f[ke ewY; ¼oh.,.vkj.½ dh x.kuk djrk gSA

cSad, LkEÒkO; ?kVukvksa Lks mRié rjyrk v©j C;kt&nj t¨f[k+eä Lks güs okys LkEÒkfor t¨f[k+eä d¨ mtkxj djus ds fy,, Lke;-Lke;ij LVªsLk VSLV vH;kLk djrk gSA fdLkh Òh ,d t¨f[k+e dkjd ds vk?kkr ds ÁÒko Lks iSnk güs okyh cnŸkj fLFkfr dk v/;;u fd;k tkrk gS v©j mLkds ÁÒko d¨ nwj djus ds fy, LkaÒkfor gy fudkys tkrs gSaA

ifjpkyuxr t¨f[k+e

ifjpkyuxr t¨f[k+e Áca/ku Lkfefr ¼v¨-vkj-,e-Lkh-½ ifjpkyuä Lks tqM+s t¨f[k+eä Lks Lkacaf/kr ekeyä ij fuxjkuh j[krh gS v©j vkdfLed@vfuok;Z fLFkfr;ä esa O;oLkk; dh Lkrr@iqu% LFkkiuk Lkqfu”fpr djrh gSA orZeku esa ifjpkyuxr t¨f[ke Lkaca/kh iwath ÁÒkj ewy Lkadsrd –f"Vd¨.k ds vuqLkkj Lkaxf.kr fd;k tkrk gSA cSad ifjpkyuxr t¨f[k+e dh lajpuk dks et+cwr djus dh fn”kk esa dk;Z dj jgk gS rkfd ifjpkyuxr _.k tksf[ke ¼vksvkj,e½ iz.kkyh ifjpkyuxr tksf[ke iwath dh x.kuk ds mér –f"Vd¨.k dh v¨j vxzLkj güs esa leFkZ gks ldsA

cSad u lHkh vkapfyd dk;Zyk;ksa rFkk 10 cMh 'kk[kkvksa esa] iwath ds vuqdwy vkSj vkn'kZ ifjpkyu ds mn~ns'; ls cklsy ekinaMksa dsvuqikyu dks lqfuf'pr djkus gsrq tksf[ke izca/kdksa dh fu;qfDr dh gSA

ekuo LkaLkk/ku fodkl

31-03-2014 dks cSad esa laoxZ vuqlkj LVkQ lnL;ksa dh la[;k fuEukuqlkj gS %

vf/kdkjh 5932 6062

fyfid 1640 2029

v/khuLFk LVkQ 961 779

dqy 8533 8870

efgyk dkfeZd %&

fnukad 31-03-2014d¨ dqy 8870 dkfeZdksa esa Lks 1738 efgyk dkfeZd gSa t¨ dqy Lka[;k dk 19-60% gSA


Punjab & Sind Bank

CREDIT RISK

Credit risk and its policy formulation is managed by Credit Risk Management Committee (CRMC). The Committee regularly monitors prudential caps in different loan segments including industry, corporate, retail and individual/group borrowers.

Comprehensive credit rating framework comprising of Credit Risk Rating Models for Corporate and Retail Loans, pricing of loans linked to risk assessment and credit rating, study & analysis of industries/portfolio, migration of credit ratings is undertaken.

MARKET RISK

The Bank’s portfolio is exposed to Market Risk on account of change of Interest rates and Currency rates.

The Asset and Liabilities Management Committee (ALCO) is overseeing the functions relating to market risk. The

Department. Strict adherence to various limits and proper escalation of breaches, if any, are followed.

The Liquidity Management Framework is well established, which safeguards the ability of the Bank to meet all payment obligations when they become due. It is designed to identify measure and manage the liquidity risk position of the Bank.

duration method, as per the guidelines received from the regulator. The Bank also calculates Value at Risk (VaR) on its foreign exchange portfolio at prescribed intervals.

The Bank periodically undertakes stress test exercise to highlight the potential risks, on account of liquidity and Interest rate risk that may arise due to events that are rare but conceivable. The impacts of shock on account of different risk factors that may generate worst case scenario are studied and to counter the impact possible solutions are derived.

OPERATIONAL RISK

The Operational Risk Management Committee (ORMC) oversees on matters relating to risks associated with operations and ensures the continuity / restoration of business in the event of contingency / exigencies. Presently, capital charge on operational risk is calculated as per Basic Indicator Approach. The Bank is in the process of strengthening its ORM Framework & ORM systems to migrate to advance approaches for calculation of Operational Risk Capital.

norms at the operating level and with the aim of conservation and optimum use of capital.

HUMAN RESOURCE DEVELOPMENTThe cadre wise staff strength as on 31.03.2014 is as under:-

Category 31st March 2013 31st March 2014

5932 6062

Clerks 1640 2029

Sub-staff 961 779

Total 8533 8870

WOMEN IN EMPLOYMENT:- Out of the total strength of 8870 as on 31.03.2014, the women employees are 1738 constituting 19.60% of the total strength.



vkjf{kr Js.kh ds dkfeZdksa d¨ j¨t+xkj %&

cSad vuqlwfpr tkfr] vuqlwfpr tutkfr rFkk lekt ds vU; fiNM+s oxksZa ds yksxksa ds dY;k.k ,oa muds fodkl ds fy, lkekftd y{;ksa rFkk laoS/kkfud laj{k.k ds izfr izfrc) gSA cSad lEiw.kZ Hkkjr o LFkkuh; HkrhZ esa inks ads vkj{k.k gsrq Hkkjr ljdkj dh vkj{k.k uhfr dk vuqlj.k djrk gSA

cSad esa vuqlwfpr tkfr@vuqlwfpr tutkfr ds dkfeZdksa ds vkj{k.k ,oa vU; izko/kkuksa dh fuxjkuh gsrq ,d fo”ks”k vuqlwfpr tkfr@vuqlwfpr tutkfr fo”ks”k d{k LFkkfir fd;k x;k gSA vuqlwfpr tkfr@vuqlwfpr tutkfr ds dkfeZdksa ds fy, egkizca/kd Lrj ds mPpkf/kdkjh dks eq[; lEidZ vf/kdkjh ds :i esa ukfer fd;k x;k gS tks vuqlwfpr tkfr@vuqlwfpr tutkfr ds dkfeZdksa ls lEcfU/kr fofHkUu fn”kkfunsZ”kksa dk vuqikyu lqfuf”pr djsxk o cSad ds vuqlwfpr tkfr@vuqlwfpr tutkfr ds dkfeZdksa dh f”kdk;r fuokj.k lEcU/kh ekeyksa dks ns[ksxkA

31-03-2014 dh fLFkfr ds vuqLkkj vuqLkwfpr tkfr/tutkfr deZpkfj;ä dh Lka[;k Øe”k:1382 rFkk 436 gSA fofÒé vkjf{kr Jsf.k;ätSls vU; fiNM+k oxZ@HkwriwoZ lSfud@”kkjhfjd v{ke ds varxZr deZpkfj;ä dh Lka[;k fuEukuqLkkj gS %

vf/kdkjh 813 348 692 43 71

fyfid 342 60 334 121 44

v/khuLFk LVkQ 227 28 32 173 15

Dqy 1382 436 1058 337 130

e`rd deZpkfj;ä ds vkfJrä d¨ vkÆFkd Lkgk;rk

cSad us o”kZ 2013&14 ds n©jku e`rd deZpkfj;ä ds vkfJrä dks ;¨tuk ds varxZr vuqdEik ds vk/kkj ij u©djh Ánku djus dsLFkku ij vuqxzg jkf”k ds Hkqxrku ds lEcU/k esa izkIr gq, 09 ekey a esa dqy 55]06]108@- yk[k #i;s dh jkf”k dk Hkqxrku fd;kA

in¨éfr;k¡

cSad lHkh laoxksZa ds dkfeZdksa ds dk;Z&lEiknu dks mPp Lrjh; cuk, j[kus ,oa muds }kjk mPp nkf;Roksa dks xzg.k djus gsrq o”kZ nj o’kZ inksUufr;kWa iznku dj jgk gSA o’kZ ds nkSjku leh{kk ds rgr] dkfeZdksa dks mPp mRiknu gsrq izsfjr djus ds dkj.k o rhoz dSfj;j fodkl gsrq mudh c<+rh egRodk{kkvksa dh iwfrZ ds fy, fo”ks”k eqfge pykbZ xbZA

o’kZ ds nkSjku fuEufyf[kr inksUufr;k¡ dh xbZ %&

lkekU; 06 05 03 95 59 128 296

fo'ks"kK & & 01 04 02 05 12

dqy 06 05 04 99 61 133 308

Áf’k{k.k rFkk ekuo LkaLkk/ku fodkLk

Áf”k{k.k] ekuo LkaLkk/ku fodkLk dk ,d vfÒé vax gSA cSaÇdx m|¨x esa orZeku esa e©twnk ÁfrLi/kkZ ds ekg©y esa Á©|¨fxdh Á.kkyh esafodkLk vkSj ÁfØ;kvksa rFkk dkuwuh igyqvksa ij tkudkjh nsuk vfr egRoiw.kZ gS rkfd LVkQ fo'ks"k :i ls lg;ksfx;ksa ds chp dneLks dne feykdj py ldsA

thoar laxBukRed laLd`fr ds l`tu esa izf”k{k.k ,oa vH;kl egRoiw.kZ dne gS ftlls dkfeZd vPNs izn”kZu gsrq izsfjr ,oa mRlkfgr gksrs gSaA ;g dkfeZdksa dh ;ksX;rk esa of) djus ,oa mfpr n{krk ;qDr gksus rFkk fofHkUu [k.Mksa esa fujUrj ifjofrZr gksus okyh xzkgd dh O;olkf;d vko”;drkvksa dh iwfrZ djus esa l{ke gSA cSad }kjk lapkfyr izf”k{k.k dk;Zdze cSad esa u, HkrhZ gq, dkfeZdksa dh dk;Z&dq”kyrk esa of)] Kku rFkk laxBukRed mn~ns”;ksa ds fy, bldh orZeku dk;Z&”kfDr dh fLFkfr ds iqufoZU;kl esa lgk;d fl) gq,] ftlls fd cSad ns”k ds iw.kZr;k rduhdh ,oa lsok iznkrk cSad ds :i esa ifjofrZr gks ldsA

foRr&o’kZ 2013&14 ds nkSjku cSad us vius 50 izfr”kr dkfeZdksa dks izf”k{k.k nsus dk iz;kl fd;kA bl lUnHkZ esa 1 vizSy] 2013 ls 31 ekpZ] 2014 ds chp lkekU; cSafdax ,oa dEI;wVj o blls lEcfU/kr 236 izf”k{k.k dk;Zdze ih,lch lsaVj QkWj cSafdax fjlpZ ,.M Vªsfuax] p.Mhx<+ esa rFkk vU; {ks=ksa ls lEcfU/kr izf”k{k.k dk;Zdze fuCldkWe uks,Mk esa vk;ksftr fd, x,A ftl nkSjku fofHkUu laoxksZa ds 4654 dkfeZdksa dks izf”kf{kr fd;k x;kA


Punjab & Sind Bank

EMPLOYMENT TO RESERVED CATEGORY EMPLOYEES:- Bank is committed to the constitutional safeguard and social objectives for the development and welfare of persons belonging to SC, ST and other backward classes of the society. The Bank observes all guidelines stipulated by the Govt. of India in respect of Reservation Policy for reservation of Posts in all India and local recruitments.

A special SC/ST cell has been set up in the Bank to monitor the Reservation and other provisions for SC/ST employees.

ensures compliance of various guidelines pertaining to SC/ST employees and takes care of all matters of grievance redressal of SC/ST employees of the Bank.

The staff strength of SC/ST employees stood at 1382 and 436 respectively on 31.03.2014. The staff strength under various reserved categories viz OBC/EX-SM/PH is as under:-

CATEGORY SC ST OBC EX-SM PH

OFFICERS 813 348 692 43 71

CLERKS 342 60 334 121 44

SUB-STAFF 227 28 32 173 15

TOTAL 1382 436 1058 337 130

FINANCIAL ASSISTAN CE TO THE DEPENDENTS OF DECEASED EMPLOYEESDuring the Financial year 2013-14 the Bank made total payment of Rs.55,06,108/- in 9 cases received from the dependants of the deceased employees under the scheme for the payment of ex-Gratia in lieu of appointment on compassionate grounds.

PROMOTIONSBank is regularly promoting employees almost in all cadres year after year to keep rewarding its top performers and

aspirations of the employees for fast career progression thereby motivating employees for higher productivity.

Following promotions have been effected during the year:

Promotions from DGM to GM AGM to DGM

CM to AGM SRM to CM MGR to SRM OFFICER to MGR

Total

General 6 5 3 95 59 128 296

Specialist - - 1 4 2 5 12

Total 6 5 4 99 61 133 308

TRAINING

Training is an integral part of Human Resource development. In the current competitive environment in the Banking Industry, it is all the more important to keep the staff abreast of the latest developments in technology, system and procedures, legal aspects etc., especially amongst the peers.

The training programs organized by the Bank are focused towards integrating the new recruits into the Bank and in enhancing the skills, knowledge and for reorienting the attitude of its existing work force to achieve the organizational objectives.

The Bank endeavoured to provide training to 50% of its employees during the Financial Year 2013-14. With this in view, 236 programmes were conducted by PSB Centre for Banking Research & Training at Chandigarh in General

st April 2013 to 31st March 2014, in which training was imparted to 4654 employees of different cadres.



fuCldkWe esa _.k ewY;kadu] fons”kh fofue; rFkk lqj{kk dk;Z”kkyk ij 07 fo”ks’k izf”k{k.k dk;Zdze Hkh vk;ksftr fd, x, ftuesa dqy 219 vf/kdkfj;ksa dks izf”kf{kr fd;k x;kA

blds vfrfjDr 213 vf/kdkfj;ksa dks “kh’kZ Lrj ij izf”k{k.k Hkh iznku fd;k x;kA fofHkUu laoxksZa ds 4 vf/kdkfj;ksa dks fons”k esa izf”k{k.k gsrq Hkh izfrfu;qDr fd;k x;kA

v©|ksfxd Lkaca/k

cSad esa v©|ksfxd Lkaca/k o"kZ i;Zar Lk©gknZiw.kZ jgs gSaA dkexkj v©j vf/kdkjh ;wfu;uä ds Áfrfuf/k;ä us fodkLk ,oa vU; eqÌä ij fofÒéLrjä ij Áca/ku ra= ds LkkFk fopkj-foe'kZ esa Òkx fy;k rFkk buds lek/kku ds fy, iz;Ru Hkh fd, x,A

Lkh/kh ÒrÊ

foRrh;&o’kZ 2013&14 esa lsok&fuo`fr dh pqukSfr;ksa] fujUrj O;kikj o`f) rFkk “kk[kkvksa ds rhoz foLrkj dks /;ku esa j[krs gq, fo”ks’k HkrhZ vfHk;ku pyk;k x;kA cSad dh fofo/k ekuo”kfDr dh vko”;drk dks ns[krs gq, fo”ks’kK ,oa ifjoh{kk/khu] nksukas gh laoxZ ds vf/kdkfj;ksa dh HkrhZ dh xbZA

o’kZ ds nkSjku] cSad ds HkrhZ ifj;kstuk esa 1 eq[; lqj{kk vf/kdkjh] Ldsy&V] 3 lunh ys[kkdkj] Ldsy&III, 22 lunh ys[kkdkj Ldsy & II] 08 fof/k vf/kdkjh] Ldsy& II] 722 ifjoh{kk/khu vf/kdkjh] 38 ,,Qvks Ldsy& I, rFkk fyfidh; laoxZ esa 495 flaxy foaMks vkWijsVj, fu;qDr gq,A

cSad dkÆedä ds dY;k.k gsrq –cSad ds fodkLk esa, cSad LVkQ dh ÁÒko'kkyh LkgÒkfxrk ds fy, cSad us vius LVkQ ds fgr esa cgqr Lkh dY;k.kdkjh ;¨tuk,a cuk;h gSaA

o"kZ 2013-14 ds n©jku, cSad LVkQ ds dY;k.k ds fy,, LFkkfir ;¨tukvksa tSLks fd gkmÇLkx yü, Lksokfuo`Ÿk cSad deZpkfj;ä ds fy, esMhDyse ;¨tuk vkfn esa Lkq/kkj Òh fd;k x;k gSA

lwpuk izkS|ksfxdh %

fnukad 31-03-2014 dh fLFkfr ds vuqlkj lHkh 1330 “kk[kk,a dksj cSafdax lqfo/kk;qDr gSaaAiz-dk-/kks[kk/kM+h fuxjkuh foHkkx esa fnukad 30-08-2013 dks /ku “kks/ku fuokj.ku ykxw fd;k x;k gS] ftlesa udn ysu&nsu fjiksVZ ¼lhVhvkj½] lansgkLin ysu&nsu fjiksVZ ¼,lVhvkj½ vkSj xSj ykHk ysu&nsu fjiksVZ ¼,uVhvkj½ cukus dh lqfo/kk gSA ns”k Hkj esa nf{k.kh] if”peh vkSj mRrjh fxzM esa psd Vªads”ku fLkLVe vkWijs”ku ykxw fd;k x;k gS rFkk cSad lHkh fxzMksa tSls nf{k.kh fxzM] if”peh fxzM o mRrjh fxzM esa lgHkkx dj jgk gSAlhch,l mi;ksxdrkZvksa ds ikloMZ pksjh@lk>k djus ds dkj.k /kks[kk/kM+h dh ?kVukvksa dks jksdus ds fy, lhch,l izksxke esa deZpkfj;ksa ds izos”k ds fy, fLFkfr ds vuqlkj 445 “kk[kkvksa esa jksyvkmV iwjk gks pqdk gSA “ks’k “kk[kkvksa esa jksyvkmV izksxzke twu] 2014 rd iwjk dj fy;k tk,xkA 74 dsUnzksa esa ohfM;ks dkWUQzsaflax lqfo/kk c<+k nh xbZ gS ftlesa iz/kku dk;kZy;] vkapfyd dk;kZy; vkSj “kh’kZ O;kikfjd “kk[kk,a “kkfey gSaA

vkarfjd fu;a=.k

cSad ds lqLFkkfir fujh{k.k ,oa ys[kk ijh{kk foHkkx ¼vkbZ,Mh½ ds }kjk izca/ku ds vU; dk;ksZa tSls vusd vkarfjd fu;a=.k ds dk;Z laHkkys x, gSaa tks fd cSad dh dk;Z iz.kkyh] ;kstukvksa rFkk izfdz;kvksa ds vuqikyu laca/kh ijh{k.k o izek.k lqfuf”pr djrk gSA fujh{k.k,oa ys[kk ijh{kk foHkkx dk fujarj y{; blds izHkkoh vkarfjd fdz;kfof/k ds }kjk cSad ds ik¡p vkapfyd fujh{k.kky;ksa ds ek/;e ls cy nsrs gq,] cSad dh ys[kk lfefr }kjk vuqeksfnr okf’kZd ys[kk ijh{kk ;kstuk ¼,,ih½ izkFkfed tksf[k+e ds vuqlkj “kk[kkvksa@dk;kZy;ksa ds fujh{k.k o vkjchvkbZ, lapkyu ds }kjk /kks[kk/kfM+;ksa dks jksdrs gq, cSad ds ykHk vkSj m|e dh lqj{kk gsrq varfuZfgrtksf[k+e dh tkap djuk gSA

cksMZ dh ys[kk ijh{kk lfefr us lqO;ofLFkr fu;a=.k esa dk;Z dq”kyrk ds fy, cSad vkarfjd ys[kk ijh{kk dk;Z dk fujh{k.k djrk gSA ,lhch ftlus o’kZ 2013&14 ds nkSjku fujh{k.k fd;k] us izca/kdrkZvksa dh ys[kk ijh{kk lfefr ds dk;ksZa dk Hkh fujh{k.k fd;k] tks fdcSad essa fujh{k.k o ys[kk ijh{kk dk;Z ds fujh{k.k gsrq izFke Js.kh lfefr gSA

foRrh; o’kZ 2013%14 ds nkSjku cSad dh 876 “kk[kkvksa esa tksf[k+e vk/kkfjr vkarfjd ys[kk ijh{kk fujh{k.k fd,] 496 “kk[kkvksa dksleorhZ ys[kk ijh{kk izfdz;k ds varxZr yk;k x;k] 288 “kk[kkvksa esa lwpuk iz.kkyh dk ys[kk ijh{k.k fd, x,] 600 “kk[kkvksa rFkk vkapfyd dk;kZy;ksa o iz/kku dk;kZy; gksus ij foHkkxksa izca/ku ys[kk ijh{k.k o fujh{k.k esa LFkkukarj.k mijkar ys[kk ijh{k.k fd, x,A


Punjab & Sind Bank

7 Special Training Programmes were conducted at NIBSCOM on Credit Appraisal, Foreign Exchange and Security

for overseas trainings.

INDUSTRIAL RELATIONS:- The industrial relations in the Bank remained cordial throughout the year. The

issues with the management at various levels and efforts were made to resolve the same.

DIRECT RECRUITMENT:- The Bank launched a special recruitment drive to cater to the challenges of superannuation,

in Clerical cadre have joined the Bank under Bank’s Recruitment Projects.

STAFF WELFAREIn order to motivate and encourage the staff for effective participation in development activities, the Bank is maintaining various welfare schemes for the staff.

During 2013-14, Bank introduced new schemes for the welfare of staff. Also improvement / betterment in the existing schemes of Housing Loans, Mediclaim Policy for retired employees etc. have been made for the welfare of staff.

INFORMATION TECHNOLOGY

As on 31.03.14, all 1330 branches of the Bank are on Core Banking Solution.

Bank has implemented Anti Money Laundering Solution which facilitates generation of Cash Transaction

Cheque Truncation System has been implemented across the country and bank is participating in all the grids i.e. Southern, Western and Northern Grids.

Biometric based Authentication for employees’ login into CBS application has been introduced to prevent the incidence of frauds taking place on account of password theft/sharing of password. As on 31.03.2014, rollout in 445 branches has been completed. Rollout in the remaining branches shall be completed by June 2014.

and top Business Branches.

INTERNAL CONTROLThe Internal control function like many other functions of the management is carried out in the Bank through a well-

and procedures of the Bank. The IAD constantly aims at checking the inherent risks through its effective control

the Audit Committee of the Bank.

of systemic controls. The ACB, which met 8 times during FY 2013-14, also monitors the functioning of the Audit

During FY 2013-14, Risk Based Internal Audit was conducted in 876 branches of the Bank; 496 branches were brought under Concurrent Audit System; the Information System audit was conducted in 288 branches; Post migration

Management Audit & Inspection.



fujh{k.k o ys[kk ijh{kk foHkkx xzkgdksa ds d’Vksa@f”kdk;rksa esa lq/kkj fuxjkuh ds mRrjnkf;Ro ds fy, Hkh fufnZ’V gSA cSad us oscvk/kkfjr xzkgd f”kdk;r lq/kkj ekinaM dh ,d ekudhd`r yksd f”kdk;r lq/kkj iz.kkyh ¼,lihthvkj,l½ dk;kZfUor dh gSA o’kZ 2013&14 ds nkSjku 1810 f”kdk;rsa izkIr gqbZa ftuesa ls 1775 f”kdk;rsa dk lek/kku dj fn;k x;k gSA cSsafdax yksdiky us 5 fu.kZ; cSad ds fo#) fn, gSa] ftuesa ls 2 ds fo#) cSad us vihy dh gSA

o’kZ ds nkSjku fujh{k.k o ys[kk ijh{kk foHkkx us tksf[k+e vk/kkfjr vkarfjd ys[kk ijh{kk ;kstuk fu:fir dh gS rFkk tksf[k+e vk/kkfjrvkarfjd ys[kk ijh{kk o leorhZ ys[kk ijh{kk dh daI;wVj dh lgk;rk ls yh xbZ fjiksVZ QkeZsV ij fopkj fd;k x;k rFkk la”kksf/kr fd;k x;kA

la{ksi esa fujh{k.k o ys[kk ijh{kk foHkkx us Hkkjr ljdkj rFkk cSad cksMZ ds }kjk viukbZ xbZ dk;Z&iz.kkyh o izfdz;k ds vuqikyu dhizHkkoh fuxjkuh dh gSA

vuqikyu dk;Z

foRrh;&o’kZ 2013&14 ds nkSjku cSad us vuqikyu ;kstuk dh leh{kk dhA blds vfrfjDr o’kZ ds nkSjku lHkh vkapfyd dk;kZy;ksa rFkk iz/kku dk;kZy; ds foHkkxksa ds vuqikyu funZsf”kdk izk:fir@v|ru dh xbZA cSad dh dk;Z&funsZf”kdk dks cSad dh baVªkusV lkbZV ij Hkh viyksM fd;k x;k gSA

cSad us vuqikyu dk;ksZa ds laca/k esa Hkkjrh; fjt+oZ cSad }kjk tkjh fd, x, lHkh fn”kk&funsZ”kksa dk vuqikyu fd;k gSA vuqikyu foHkkx us ;g lqfuf”pr djrk gS fd iz/kku dk;kZy;] vkapfyd dk;kZy;ksa rFkk “kk[kkvksa dh dk;Z&i)fr muds dk;Z&funsZf”kdk ls tqMh gSA “kk[kkvksa@dk;kZy;ksa esa bl dk;Z&i)fr ds fu;fer varjky ijk okf’kZd vuqikyu vkWfMV fd, tkrs gSaA

tu&lEidZ ,oa izpkj

^^foRrh;&o’kZ 2013&14 ds nkSjku cSad us tu&lkekU; ds chp rFkk dkWjiksjsV Lrj ij vPNh Nfo cukus ds fy, ,d lqfu;ksftr uhfr viukbZ gS rFkk cSad us lEiw.kZ Hkkjro’kZ ds ukxfjdksa dks /;ku es j[krs gq, fizaV ehfM;k }kjk vius mRiknksa] lafonkvksa] foRrh;rFkk vU; fMLIys@lwpukvksa dks fofHkUu lekpkj&i=ksa] if=dkvksa] Lekfjdkvksa esa izdkf”kr djokdj [;kfr izkIr dh gSA

vkmVMksj ehfM;k ds ek/;e ls p.Mhx<+ o ve`rlj gokbZ vM~Mksa ij foKkiu okys xqCckjksa ds izn”kZu ls mYys[kuh; izpkkj&izlkj fd;k x;kA vR;f/kd egRoiw.kZ dk;Zdzeksa esa cSad ds cSujksa rFkk gksfMZaXl ds izn”kZu ls cSad dh igq¡p dk foLrkj fd;k x;kA

cSad dks DySaMj o Vscy DySaMj ds ek/;e ls Hkh vR;f/kd [;kfr izkIr gqbZ] ftls cSad ds xzkgdksa rFkk blds “kqHkfpUrdksa ds e/; forfjr fd;k x;kA

cSad dks fizaV ehfM;k }kjk izsl&foKfIr;ksa ds dojst ls Hkh vR;f/kd [;kfr izkIr gqbZA

bu lHkh dk;ksZa }kjk cSad dks iqu% jk’Vª lsok gsrq Lo;a dks lefiZr djus dk lqvolj feyk rFkk izpkj&izlkj ds Lrj ij vk”kkrhr [;kfr izkIr gqbZA

lrdZrk

lqj{kkRed lrdZrk%

o"kZ ds nkSjku lrdZrk foHkkx us lrdZrk iz”kklu dks et+cwr djus rFkk laLFkk esa fujarj vuqikyu dks cuk, j[kus ds fy, gky gh esa lqj{kkRed lrdZrk ds lkFk&lkFk naMkRed lrdZrk ij dbZ iz;kl fd, gSaA

iwjh laLFkk esa yksxksa dks fu’diVrk] iw.kZ bZekunkjh rFkk iw.kZ ikjnf”kZrk esa ,d:irk ls dk;Z djus rFkk lrdZrk iz”kklu dks et+cwr djus o n`<+ vuqikyu ds fy, tkx#drk QSykus ds fy, dk;Zdze J`a[kyk@dkWUQzsal@dk;Z”kkyk vk;ksftr dh xbZA bu dk;Zdzeksa esa cSad ds ofj’B vf/kdkfj;ksa us lgHkkfxrk dh rFkk dsanzh; lrdZrk vk;ksx ,oa lhchvkbZ ds mPpkf/kdkfj;ksa us bu dk;Zdzeksa dh v/;{krk dhA buesa dqN dk;Zdzeksa dk fooj.k fuEukuqlkj gS%

laxBu dk vfrfjDr egRo%

ekuuh; dsanzh; lrdZrk vk;qDr }kjk lrdZrk tkx#drk LkIrkg ds voyksdu esa bl o’kZ ds fo’k; ds leku rFkk cM+s _.k [kkrksa esa jktLo pksjh laca/kh frekgh@fofHkUu Lkzksrksa ls IkzkIr

lwpuk ds vk/kkj ij geus gekjs lrdZrk vf/kdkjh }kjk uewuk vk/kkj ij cM+s _.k [kkrksa dh Lohd`fr gsrq vuqikyu fu;eksa ,oa “krksZadh tk¡p ds fy, fe'ku daIyk;al ds uke ls ,d fo”ks’k vfHk;ku dh “kq#vkr dh gS%


Punjab & Sind Bank

The Inspection and Audit Department is also assigned the responsibility of monitoring redressal of the customer grievances/ complaints. The Bank has implemented Standardized Public Grievances Redressal System (SPGRS), a web-based customer complaint redressal module. During FY 2013-14, 1810 complaints were received, of which 1775 complaints have been disposed off. The Banking Ombudsman passed 5 awards against the Bank out of which against 2 awards bank has gone into appeal.

During the year, the Inspection and Audit Department formulated ‘Risk Based Internal Audit Policy’ and revised & devised computer aided reporting formats of Risk Based Internal Audit & Concurrent Audit.

To summarize, Bank’s Inspection and Audit Dept. has been effectively monitoring the compliance of systems and procedures laid down by Board, the Regulator and the Government of India.

COMPLIANCE FUNCTION

and various HO Departments were drafted /updated during the year. Functional Manual of the bank has also been placed on the Intranet site of the bank.

Bank complied with the various guidelines issued by the RBI on Compliance functions. The Compliance Department

PR and PUBLICITY

and other display/notice ads in different newspapers, magazines and souvenirs targeting various audiences all over the country.

Bank also used effective outdoor media signifying display of Balloon at Chandigarh and Amritsar Airports. Bank’s banners, hoardings displayed on events of high publicity value facilitated extension of outreach of the Bank.

Bank also received immense publicity through Bank’s Wall Calendar & Table Calendar 2014 which was widely distributed among clients and well wishers of Bank.

Bank got huge publicity by way of coverage of its press releases by the print media.

All these activities facilitated the Bank to rededicate itself to the service of the Nation and enabled it to earn a well deserved mileage on the publicity front.

VIGILANCEPREVENTIVE VIGILANCE

During the year, the Vigilance Department has taken number of initiatives on Preventive as well as on Punitive Vigilance to strengthen the vigilance administration and also to instill compliance culture within the organization.

To educate staff across the organization to work with utmost sincerity, honesty and uniformity in a most transparent manner and to spread awareness about stronger compliance culture and strengthening vigilance administration, series

VALUE ADDITION TO THE ORGANIZATIONIn line with this year’s theme observing Vigilance Awareness Week by Hon’ble CVC “Promoting Good Governance – Positive Contribution of Vigilance” and on the basis of information received from various sources, quarters regarding Revenue Leakages in Big Borrowal Accounts, Bank started a special drive under the name “Mission Compliance” i.e. checking of the compliance of terms and conditions of sanction in big borrowal accounts on sample basis.



ekuuh; vk;ksx dh vis{kkuq:i fnukad 28-10-2013 ls 02-11-2013 rd vk;ksftr lrdZrk tkx#drk lIrkg ds nkSjku geus mi;qDr rjhds ls i;Zos{k.k ds fy, dbZ iz;kl fd,A blds vfrfjDr fnYyh fLFkr vkapfyd dk;kZy;ksa ds ofj’B vf/kdkfj;ksa ds fy, ,d dk;Zdze dk vk;kstu Hkh fd;k x;kA ftldk “kqHkkjaHk] lrdZrk vk;qDr] dsanzh; lrdZrk vk;ksx us fd;kA

lqj{kk O;oLFkk %

cSad dh laxBukRed lajpuk esa lqn`<+ lqj{kk O;oLFkk LFkkfir gSA iz-dk-lqj{kk foHkkx us cSad dh lHkh djsalh psLVksa rFkk “kk[kkvksa esa lqj{kk O;oLFkk dks lqn`<+ fd;k ,oa bldk fujh{k.k fd;kA cSad esa izcy lqj{kk ifjn`”; cukus gsrq lqj{kk izca/kuksa dh xfr dks rstfd;k x;k gSA cSad dh lqj{kk O;oLFkk dks vkSj vf/kd izHkkoh] vk/kqfud rFkk vckf/kr lqj{kk iz.kkyh cukus ds fy, etcwr fd;k x;k gSA Hkkjrh; fjt+oZ cSad@Hkkjrh; cSafdax la?k ds fn”kk&funsZ”kksa ds vuqlkj vko”;d ,oa vfuok;Z O;oLFkk izca/kuksa dks yxHkx LkHkh“kk[kkvksa esa miyC/k djok fn;k x;k gSA

vapy lqj{kk vf/kdkfj;ksa us izpfyr lqj{kk izca/kuksa dk ewY;kadu djus ds fy, fu;fer varjky ij “kk[kkvksa ds flD;ksfjVh vkWfMV fd, rFkk bu lqj{kk izca/kuksa dks etcwr djus ds fy, ijke”kZ fn,A mUgksaus dkuwu izorZu ,tsfUl;ksa ls xgjk lEcU/k cuk;k gSA cSadesa lqn`<+ lqj{kk ifjn`”; gsrq lqj{kk izca/kuksa dh xfr dks rst fd;k x;k gSA iz/kku dk;kZy; ls eq[; lqj{kk vf/kdkjh iz/kku dk;kZy;ds vU; vf/kdkfj;ksa us Hkh vfrlaosnu”khy “kk[kkvksa ds lkFk LkHkh djsalh psLVksa dk Hkh flD;ksfjVh vkWfMV fd;kA

lHkh djsalh psLVksa rFkk “kk[kkvksa esa flD;ksfjVh vykeZ flLVe baLVkWy dj fn, x, gSaA Hkkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuq:i ,dlsl dkWUVªksy flLVe lHkh dks’k&d{k “kk[kkvksa esa miyC/k gSA

cSad dh lHkh djsalh psLV rFkk 'kk[kkvksa esa xkMZ miyC/k djk, x, gSaA cSad us ckgjh Lkzksrksa l]s Mhthvkj }kjk izk;ksftr ,d futh lqqj{kk ,tsalh ls lqj{kk lsok,a yh gSaA

djsalh psLV@”kk[kkvksa esa rSukr “kL=/kkjh xkMksZa dks okf’kZd vk/kkj ij Qk;fjax vH;kl lfgr izf”k{k.k iznku fd;k tkrk gSA lHkh lqj{kk vf/kdkfj;ksa dks o’kZ esa ,d ckj lqj{kk lEcU/kh u;k izf”k{k.k Hkh fn;k tkrk gSA

izFke pj.k esa] leLr djsalh psLVksa rFkk fpfUgr dh xbZ 237 mPp tksf[ke o vfrlaosnu”khy “kk[kkvksa esa lhlhVhoh fuxjkuh i)fr LkaLFkkfir djok nh xbZ gS] vkard cks/k] udnh jkf”k rFkk dherh nLrkost+ ,oa fujUrj fuxjkuh dh vko”;drk ds en~nsut+j “ks’k “kk[kkvksa esa Hkh pj.kc) :i ls lhlhVhoh fuxjkuh i)fr LkaLFkkfir dj nh tk,xhA

jktÒk"kk dk;kZUo;u %

o’kZ 2013&14 ds n©jku cSad esa Òkjr Lkjdkj dh jktÒk’kk uhfr ds dk;kZUo;u ,oa jktÒk’kk Çgnh ds Áxkeh Á;¨x ds Ápkj&ÁLkkj esa vk”kkrhr Áxfr dh xbZA foRrh;&o’kZ 2013&14 ds nkSjku dqy 75 dk;Z”kkykvksa dk vk;kstu fd;k x;k] ftuesa dqy 1039 dkÆedä d¨ Áf”kf{kr fd;k x;kA bLkds vfrfjä 705 “kk[kkvksa esa Çgnh MsLd Áf”k{k.k dk;ZØeä }kjk 3203 dkÆedä d¨ Çgnh ds Á;¨x dk Áf”k{k.k fn;k x;k rFkk 286 dkfeZdksa dks ;wfudksM izf”k{k.k fn;k x;kA cSad esa jktÒk’kk ds Á;¨x dh fLFkfr dh Lkeh{kk djus ds mn~ns”; Lks dqy 705 “kk[kkvksa@dk;kZy;ä ds jktÒk’kk ds Á;¨x Lkaca/kh fujh{k.k fd, x,A

bl o’kZ ^cSad uxj jktHkk’kk dk;kZUo;u lfefr*] fnYyh ds rRoko/kku esa fofHkUu cSadksa }kjk vk;ksftr izfr;ksfxrkvksa esa gekjs cSad ds 05 dkfeZdksa us 08 iqjLdkj izkIr fd,A cSad ujkdkl] fnYyh dh vksj ls gekjh x`g&if=dk ih-,l-ch- jktHkk’kk vadqj* dks izksRlkgu iqjLdkj izkIr gqvkA

[ksydwn %

cSad dh lhfu;j gkWdh Vhe dh miyfC/k;k¡ %

cSad dh ,d [ksy vdkneh gS tks fd 15&18 o’kZ vk;q oxZ dh gkWdh vdkneh ds vfrfjDr jk’Vªh; Lrj ij cSad dh gkWdh Vhe dk f”k{k.k nsrh gSAo’kZ ds nkSjku cSad dh gkWdh Vhe us fuEufyf[kr rhu izfr;ksfxrk,a thrha %&

vf[ky Hkkjrh; xqjehr gkWdh VwukZesaV

vf[ky Hkkjrh; lqjthr gkWdh VwukZesaV

vf[ky Hkkjrh; usg: gkWdh VwukZesaV

cSad dh gkWdh vdkneh us vf[ky Hkkjrh; Lrjh; izfr;ksfxrkvksa esa fot; izkIr djds cSad dks lEeku fnyk;kA

o’kZ 2013&14 ds nkSjku cSad dh gkWdh vdkneh rFkk gkWdh Vhe fuEufyf[kr f[kykfM+;ksa us fofHkUu varjkZ’Vªh; izfr;ksfxrkvksa esa Hkkjrh; gkWdh Vhe dk izfrfuf/kRo fd;kA


Punjab & Sind Bank

OBSERVANCE OF VIGILANCE AWARENESS WEEK FROM 28.10.2013 TO 02.11.2013

As desired by Hon’ble Commission, the Bank undertook number of initiatives during “Vigilance Awareness Week"

functionaries of Delhi based Zones was also organized.The programme was inaugurated by Vigilance Commissioner, Central Vigilance Commission.

SECURITY ARRANMGEENT

The Bank has a well established Security set-up within the Bank’s organizational structure. Security department of the Bank has been regularly reviewing the security arrangements at all Currency Chests and branches and accordingly strengthening the security arrangements to meet prevailing security scenario with effective, modern and unobstructed Security Systems. All the essential and mandatory security arrangements in terms of RBI/ IBA guidelines are provided at most of the branches.

vogue and recommend implementation of additional preventive security measures wherever desired. They maintain

the vulnerable branches of the Bank.

The Access Control System at all Banks’ Currency Chests has been strengthened in terms of RBI guidelines. Security Alarm Systems are installed at all branches and currency chests.

All the branches of Bank are provided armed guards and all the cash remittances are escorted by armed guard. Training,

and need for continuous surveillance. CCTV systems shall be installed at remaining branches in a phased manner.

IMPLEMENTATION OF OFFICIAL LANGUAGE

were organized, in which 1039 personnel were trained. Besides, 3203 personnel were trained during 705 Hindi Desk Training Programmes and 286 personnel were imparted training for using Unicode on Computers. With the aim of

various competitions organized by different banks under the auspices of Delhi Bank TOLIC.

SPORTSThe Bank has a Sports Academy which nurtures Bank’s Hockey Team at National Level, besides Hockey Academy for age group of 15-18 years. During the year, Bank’s Hockey Team won the following three National Tournaments:

All India Gurmit Hockey Tournament

All India Surjit Hockey Tournament

All India Nehru Hockey Tournament

The Bank’s Hockey Academy also brought laurels to the Bank by winning All India Level Tournaments.

The following players of the Bank’s Hockey Team and Hockey Academy have represented Indian Hockey Team in various International Tournaments during the year 2013-14:



Jh g’kZchj flag Jh gjtksr flag Jh lrchj flag Jh jeunhi flagJh xqjeSy flag Jh izHknhi flag Jh ryfoanj flag

Jh cythr flag lSuh] vksyfEi;u dks Hkkjrh; gkWdh Vhe ds dksp ds :i esa fu;qDr fd;k x;k rFkk Jh jkftanj flag vksyfEi;u dks Hkkjrh; fo”ofo|ky; dk dksp fu;qDr fd;k x;kA

bu miyfC/k;ksa ds vfrfjDr bl foRrh; o’kZ ds nkSjku cSad dh gkWdh Vhe ds vf/kdkfj;ksa us tek la?kVu gsrq dk;Z fd;kA

lek;kstu

foRrh; o’kZ 2013&14 dh lekfIr ij vkbZ-ch-vkj- ,oa Mªk¶V esa cdk;k jkf”k dks fiNys o"kZ dh rqyuk esa 99% rd de fd;k x;kA

lkekU; iz'kklu

cSad dh cgqr Lkh fuekZ.k ;¨tuk,a tSLks fd LVkQ VªsÇux d‚yst fnYyh, Q¨VZ eqEcbZ, xqMxk¡o, u¨;M+k vkfn esa ÁfØ;k esa gSa rFkk bLk o"kZ esa LkaÒor: bUgsa iwjk dj fy;k tk,xkA o"kZ ds n©jku, rhu o"k¨aZ ds i'pkr, cSad us viuh LkaifŸk;¨ dk iquewZY;kadu fd;k gSA

cksMZ funs'kdksa dk fu;kstu

31 ekpZ] 2014 ds vuqlkj cSad cksMZ esa 10 vU; funs”kdksa& foRr&ea=ky;] Hkkjrh; fjt+oZ cSad ds izfrfuf/k;ksa] XkSj&vkf/kdkfjsd funs”kd ¼lunh ys[kkdkj Js.kh½] 2 “ks;j /kkjd funs”kdksa rFkk 5 va”k&dkfyd xSj&vkf/kdkfjd funs”kdksa ds vfrfjDr rhu iw.kZ dkfyd funs”kdksa tSls& v/;{k ,oa izca/k funs”kd rFkk nks dk;Zdkjh funs”kdksa dks lfEefyr fd;k x;kA

cSad ekeyksa ds fu;a=.k ,oa dk;Z fuxjkuh gsrq fu;ksftr cksMZ dh fofHkUu lfefr;ksa lwph uhps nh xbZ gS%

izca/ku lfefrys[kk ijh{kk lfefrtksf[k++e izca/ku lfefrcM+h jkf”k;ksa dh /kks[kk/kfM+;ksa dh fuxjkuh gsrq lfefrlrdZrk lfefrxzkgd lsok lfefr“ks;j/kkjdksa@fuos”kd f”kdk;r lfefrlwpuk izkS|ksfxdh ;kstuk lfefrukekadu lfefrekuo lalk/kku lfefriqufoZpkj lfefrikfjJfed lfefrizca/kdksa dh inksUufr ij funs”kd lfefr

olwyh i;Zos{k.k lfefr

le:ih ys[kk ijh{kk lfefr

'ks;j/kkjd funs'kd pquko lfefr (lkoZftud {ks= ds cSad }kjk oksfVax)

o’kZ 2013&14 ds nkSjku cksMZ funs”kdksa dh 16 cSBdsa] cksMZ dh izca/ku lfefr dh 21 cSBdsa rFkk ys[kk ijh{kk lfefr dh 8 cSBdsa vk;ksftr dh xbZaA blds vfrfjDr cksMZ dh vU; lfefr;ksa dh Hkh cSBdsa vk;ksftr dh xbZA

o’kZ 2013&14 ds nkSjku cSad ds cksMZ funs”kdksa ds fu;kstu esa fuEufyf[kr ifjorZu gq,%

lekos'ku

Hkkjr ljdkj] for&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 31-05-2013 ds foKkiu la- ,Q-ua- 6@34@2013&ch-vks-1 ds vuqlkj Jh iznhIr ds tsuk dks cSad ds Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd ds :Ik esa ukfer fd;k x;kA

Hkkjr ljdkj] for&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 05-08-2013 ds foKkiu la- ,Q-ua- 4@5@2012&ch-vks-1 ds vuqlkj Jh fd”kksj dqekj lk¡lh dks iatkc ,.M fla/k cSad ds dk;Zdkjh funs”kd ds :Ik esa fu;qDr fd;k x;kA


Punjab & Sind Bank

Sh. Harbir Singh Sh. Harjot Singh Sh. Satbir Singh Sh. Ramandeep Singh

Sh. Gurmail Singh Sh. Prabhdeep Singh Sh. Talwinder Singh

Sh. Baljit Singh Saini Olyampian was appopinted as coach of the Indian Hockey Team and

Sh. Rajinder Singh Olyampian was appointed as coach of Indian University Team.

RECONCILIATIONTotal outstanding in Inter Bank Reconciliation (IBR) & Demand Draft as on 31.03.2014 has been reduced by 99% from the level as on 31-03-2013.

GENERAL ADMINISTRATIONVarious building projects viz Staff Training College, Delhi, Fort Mumbai, Gurgaon, Noida etc. are in progress and are likely to be completed this year. During the year, Bank has gone for revaluation of Bank owned properties after a gap of three years.

CONSTITUTION OF BOARD OF DIRECTORSAs on 31st March 2014, the Board comprised of three Whole time Directors viz Chairman & Managing Director and two Executive Directors besides ten other Directors including representatives from Ministry of Finance, Reserve

Various Committees constituted under the Board as listed below, oversee the functioning and control the affairs of the bank:

Management CommitteeAudit CommitteeRisk Management CommitteeCommittee for Monitoring of Large Value FraudsVigilance CommitteeCustomer Service CommitteeShareholders’/Investors Grievance CommitteeIT Strategy CommitteeNomination CommitteeHR CommitteeAppellate CommitteeRemuneration CommitteeCommittee of Directors on Executives’ PromotionCommittee for Monitoring of RecoveryConcurrent Audit Committee

During the year 2013-14, sixteen meetings of the Board of Directors, twenty one meetings of the Management Committee and eight meetings of the Audit Committee of the Board were held besides meetings of other Committees of the Board.

The constitution of Bank’s Board of Directors underwent following changes during the year 2013-14:

INCLUSIONS

Sh. Pradipta K Jena was nominated as RBI Nominee Director of the Bank vide Government of India,

dated 31.05.2013.

Sh. Kishore Kumar Sansi was appointed as Executive Director of Punjab & Sind Bank, vide Government of

BO.1 dated 05.08.2013.



Hkkjr ljdkj] for&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 05-08-2013 ds foKkiu la- ,Q-ua- 4@5@2012&ch-vks-1 ds vuqlkj Jh eqds”k dqekj tSu dks iatkc ,.M fla/k cSad ds dk;Zdkjh funs”kd ds :Ik esa fu;qDr fd;k x;kA

Hkkjr ljdkj] for&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 12-08-2013 ds foKkiu la- ,Q-ua- 6@16@2011&ch-vks-1 ds vuqlkj Jh lat; oekZ dks cSad ds xSj&ljdkjh funs”kd ds :Ik esa ukfer fd;k x;kA

Hkkjr ljdkj] for&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 22-10-2013 ds foKkiu la- ,Q-ua- 6@3@2012&ch-vks-1 ds vuqlkj Jh ,l-lh-nkl dks foRRk&ea=ky; ukekafdr funs”kd ukfer fd;k x;kA

Hkkjr ljdkj] foRr ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 04-07-2013 ds foKkiu la- ,Q- ua- 6@56@2013& chvks- 1 ds vuqlkj Jherh vuhrk d.kkZoj dks cSad ds xSj&ljdkjh funs”kd euksfur fd;k x;kA

Hkkjr ljdkj] foRr ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh ds fnukad 31-01-2014 dh vf/klwpuk la- ,Q- ua- 4@7@2013&chvks- 1 ds vuqlkj Jh tfranjchj flag dks iatkc ,.M fla/k cSad ds v/;{k ,oa izca/k funs”kd ds :Ik esa fu;qDr fd;k x;kA

lsokfuo`fr;k¡

cSad ds v/;{k ,oa izca/k funs”kd Jh nsfoanj iky flag viuh lsokfuo`fr dh vk;q iwjh djrs gq, fnukad 31-01-2014 dks lsokfuo`r gq,A

Jh jtr lPpj] foRr&ea=ky; }kjk ukfer funs”kd us cSad ds cksMZ esa fnukad 21-10-2013 dks viuh lsok vof/k iwjh dhA

Jh d.kZiky flag ls[kksa us cSad ds cksMZ esa xSj&ljdkjh funs”kd ds :i esa fnukad 04-07-2013 dks viuh lsok vof/k iwjh dhA

Jh ch-ih-dkuwuxks] Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd fnukad 30-05-2013 rd cSad ds cksMZ esa jgsA

dk;Zdkjh funs”kd Jh ih-ds-vkuan viuh lsokfuo`fr dh vk;q iwjh djrs gq, fnukad 31-05-2013 dks lsokfuo`r gq,A

laxfBr iz'kklu %

cSad vPNs laxfBr iz”kklu ds fy, izfrc) gS rFkk bls vkSj vf/kd et+cwr djus dk fujarj iz;kl dj jgk gS rkfd laxBu esa lHkh Lrj ij vkSj vf/kd ikjnf”kZrk o csgrj leUo; lqfuf”pr fd;k tk ldsA cSad dh dk;Z&iz.kkyh] cSad ds ikjn”khZ LokfeRo ljapuk,a tksf[ke izca/ku dk;Z&iz.kkyh esa lq/kkj] lqfu;ksftr rjhds ls “kfDr;ksa dks lkSaiuk] tokcnsgh rFkk fujh{k.k ,oa ys[kk&ijh{kk izHkkx rFkk lkafof/kd dsUnzh; ys[kk&ijh{kdksa }kjk fd, x, foLr`r ys[kk dk;ksZa dks n”kkZrh gSA buds dk;ksZa esa cksMZ }kjk dh tkus okyh larks’ktudcksMZ izfdz;kvksa rFkk fujh{k.k dk;Z lfEefyr gSA

cSad fuxfer iz”kklu ds ekeys esa lEcfU/kr lsch rFkk Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa dk ikyu djrk gS ftldh tkap lkafof/kd dsUnzh; ys[kk&ijh{kdksa }kjk dh tkrh gSA

funs'kdksa dh ftEesnkfj;k¡ %

funs”kdksa us iqf’V dh gS fd 31 ekpZ] 2014 dks lekIr o’kZ ds fy, okf’kZd ys[kkcanh dh rS;kj djus esa &

ykxw ys[kk&ekudksa ds lkFk&lkFk ekud lkexzh ls lEcfU/kr mfpr O;k[;k] ;fn dksbZ gS rks] dk ikyu fd;k x;k gSA

Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa ds vuq:i cukbZ xbZ ys[kkadu uhfr;ksa dks yxkrkj ykxw fd;k x;k gSA

foRrh;&o’kZ ds var esa rFkk 31 ekpZ] 2014 dks lekIr o’kZ gsrq cSad ds dk;Zdykiksa dk okLrfod rFkk mfpr fooj.k izLrqr djus gsrq ;Fkksfpr fu.kZ; rFkk iwokZuqeku yxk, x,A

Hkkjr esa cSadksa ij ykxw dkuwuksa ds izko/kkuksa ds vuqlkj ys[kk vfHkys[kksa ds mfpr ,oa i;kZIr vuqj{k.k gsrq mfpr rFkk i;kZIr/;ku j[kk x;k rFkk [kkrksa dks pkyw laLFkku ds vk/kkj ij rS;kj fd;k tkrk gSA

Lkkafof/kd ys[kk ijh{kk

cSad us Hkkjrh; fjt+oZ cSad ds vuqeksnu ds vuqlkj] ekpZ] 2014 dks LkekIr ys[kk o"kZ gsrq eSLkLkZ vkj-,e- yky ,.M daiuh] y[kuÅ v©j eSLkLkZ v¨-ih- rqyfLk;ku ,.M daiuh] ubZ fnYyh] eSllZ ch-ds- JkWQ ,.M dEiuh] dksydkrk rFkk eSllZ dksBkjh ,.M daiuh] dksydkrk d¨ dsaæh; Lkkafof/kd ys[kkdkj¨a ds :i esa fu;qä fd;k gSA


Punjab & Sind Bank

Sh. Mukesh Kumar Jain was appointed as Executive Director of Punjab & Sind Bank, vide Government of

BO.1 dated 05.08.2013.

12.08.2013.

Sh. S C Das was nominated as Ministry of Finance Nominee Director of the Bank vide Government of

BO.1 dated 22.10.2013.

30.01.2014.

Sh. Jatinderbir Singh-IAS was appointed as Chairman & Managing Director of Punjab & Sind Bank vide Government

dated 31.01.2014.

CESSATIONSSh. Devinder Pal Singh, Chairman & Managing Director attained the age of superannuation and thus retired on 31.01.2014.

Sh. Rajat Sachar, MOF Nominee Director was on the Board of the Bank up to 21.10.2013.

Sh. B P Kanungo, RBI Nominee Director was on the Board of the Bank up to 30.05.2013.

Sh. P K Anand, Executive Director attained the age of superannuation and thus retired from the service of the bank on 31.05.2013.

CORPORATE GOVERNANCE The Bank is committed to good Corporate Governance and is constantly striving to further strengthen the same to ensure greater transparency and better coordination at all levels in the Organization. The working of the Bank

accountability and an elaborate audit function carried out by both its Inspection & Audit Division and by independent Statutory Central Auditors.

Bank has complied with the guidelines of RBI and SEBI on the matters relating to Corporate Governance which have been examined by the Statutory Central Auditors.

DIRECTORS’ RESPONSIBILITY STATEMENTSst March, 2014:

The applicable accounting standards have been followed along with proper explanation relating to material departures, if any.The accounting policies framed in accordance with the guidelines of the Reserve Bank of India, were consistently applied.Reasonable and prudent judgment and estimates were made so as to give a true and fair view of the state

31st March, 2014

with the provisions of applicable laws Governing Banks in India and the accounts have been prepared on going concern basis.

STATUTORY AUDIT As approved by Reserve Bank of India, Bank has appointed M/s.R.M.Lall & Co., Lucknow, M/s.O.P Tulsyan & Co, New Delhi; M/s B K Shroff & Co., Kolkata; and M/s R Kothari & Co., Kolkata as Statutory Central Auditors for the accounting year ended March 2014.



vfHkLohd`fr;k¡ %

cSad dk funs”kd e.My ewY;oku xzkgdksa] “ks;j /kkjdksa] “kqHkfpardksa vkSj cSad ds Hkkjr rFkk fons”kksa esa muds laoknnkrkvksa ds laj{k.k] ln~Hkkouk ,oa leFkZu ds fy, /kU;okn nsrk gSA funs”kd e.My cSad ds dkedkt ds fy, Hkkjr ljdkj] Hkkjrh; fjt+oZ cSad] Hkkjrh; izfrHkwfr ,oa fofue; cksMZ¼lsch½] LVkWd ,Dlpsatksa] fofHkUu jkT; ljdkjksa] foRrh; laLFkkuksa vkSj cSad ds lkafof/kd dsanzh; ys[kk&ijh{kdksa ls izkIr ewY;oku vkSj le; ij lykg] ekxZn”kZu rFkk lg;ksx dks d`rKrk ds lkFk Lohdkj djrk gSA funs”kd e.My o’kZ ds nkSjku lHkh Lrjksa ij cSad dh izxfr gsrq LVkQ&lnL;ksa ds cgqewY; ;ksxnku ds fy, Hkjiwj ljkgUkk djrk gS rFkk vk”kk djrk gS fd vkus okys o’kksZa esa cSad dks fuxfer y{;ksa dh izkfIr esa budk lrr~ lg;ksx izkIr gksrk jgsxkA


Punjab & Sind Bank

ACKNOWLEDGEMENTSThe Board of Directors of the Bank thanks valued customers, shareholders, well-wishers and correspondents of the Bank in India and abroad for their goodwill, patronage and continued support.

The Directors also acknowledge with gratitude the valuable and timely advice, guidance and support received from Government of India, Reserve Bank of India, Securities and Exchange Board of India (SEBI), Stock Exchanges, various State Governments, Financial Institutions and the Statutory Central Auditors of the Bank in the functioning of the Bank.

The Directors place on record their deep appreciation for the valuable contribution of the members of the staff at all levels for the progress of the Bank during the year and look forward to their continued co-operation in realization of the Corporate goals in years ahead.

For and on behalf of Board of Directors

Sd/-

Place: New Delhi (Jatinderbir Singh) Dated:10.05.2014 Chairman & Managing Director



1- Áca/ku Lkafgrk ds Lkaca/k esa cSad & n’kZu

cSad mRd’Vrk izkIr djus gsrq lalk/kuksa ds b’Vre mi;ksx ds lkFk vf/kdre izfrQy izkIr djus rFkk lHkh Lrjksa ij dk;Z&fu’iknu dks lqfuf”pr djrs gq,] “ks;j/kkjdksa ds fgrksa dh j{kk djrs gq, rFkk muds ewY;ksa esa vfHkof) ds fy, vius lrr~ iz;kl tkjh j[ksxkA cSad u dsoy lkafof/kd vfuok;Zrkvksa dk vuqikyu djsxk vfirq LosPNkiwoZd dM+h dkWiksZjsV xousZal i)fr;ksa dks fu’ikfnr djrs gq, mudk ikyu Hkh djsxkA cSad ÁR;sd {ks= esa mRÑ"Vrk gkfLky djus gsrq uSfrd ewY; a ds mPp ekud a] ikjnÆ”krk rFkk vuq”kkfLkr –f"Vd¨.k viukus esa fo”okLk j[krk gSA cSad loksZRre dk;Z”kSyh dks viukus ds fy, opuc) gSA cSad vius LkÒh tksaf[ke mBkus okyks ds fgr esa ftuesa “ks;j/kkjd] xzkgd] ljdkj rFkk rFkk cMs+ iSekus ij lekt Hkh “kkfey gSa] dks vf/kdre ykHk igq¡pkus gsrq l?ku iz;kl djrk jgsxkA

cSad ,d Lkwphc) fudk; gS t¨ ,d daiuh ugha gS ysfdu cSaddkjh daiuh ¼miØe a dk vtZu ,oa varj.k½ vf/kfu;e 1980 ds varxZr d‚i ZjsV fudk; gS rFkk Òkjrh; fjt+oZ cSad }kjk fofu;fer g¨rk gSA vr% cSad] LV‚d ,DLkpsat a ds LkkFk fd, x, Lkwph;u djkj ds Lka’k¨f/kr mi[kaM 49 ds Áko/kku a dk mLk Lkhek rd ikyu djsxk tgka rd cSaddkjh daiuh miØe a dk ¼vtZu ,oa varj.k½ vf/kfu;e 1980 ds Áko/kku a v©j bLk Lkaca/k esa Òkjrh; fjt+oZ cSad }kjk tkjh fn”kk&funsZ”k a dk mYya?ku ugha g¨rk gSA

2- funs’kd eaMy

2-1 funs’kd eaMy dk Lo:i%

funs'kd eaMy dk xBu cSaÇdx fofu;e vf/kfu;e 1949] cSaÇdx daiuh ¼miØe¨a dk vtZu ,oa varj.k½ vf/kfu;e] 1980 ;Fkk Lka”k¨f/kr rFkk jk"Vªh;Ñr cSad ¼Áca/ku ,oa fofo/k Áko/kku½ ;¨tuk 1980] ;Fkk Lka”k¨f/kr] ds Áko/kku¨a }kjk “kkfLkr g¨rk gSA

31 ekpZ] 2014 dh fLFkfr ds vuq:i funs’kd eaMy dk Lo:i fuEukuqLkkj gS%

1- Jh tfranjchjflag] vkbZ-,-,l-

v/;{k ,oa izca/k funs”kd “kwU; 10 'kwU; 'kwU; +

2- Jh ds-ds-lk¡lh dk;Zdkjh funs”kd “kwU; 9 “kwU; “kwU; *

3- Jh ,e-ds-tSu dk;Zdkjh funs”kd 'kwU; 10 'kwU; 'kwU; *

4- Jh ,l-lh-nkl funs”kd&foRr&ea=ky;

}kjk ukfer

'kwU; 9 'kwU; 'kwU; **

5- Jh aih-ds- tsuk funs”kd&Hkk-fj-cSad}kjk ukfer

'kwU; 6 'kwU; 'kwU; @

6- Jh ,l-ih-,l- fodZ

dkexkj deZpkjh funs”kd “kwU; 2 “kwU; “kwU; +++++

7- Jh egs”k dqekj xqIrk

xSj&vkf/kdkfjd funs”kd ¼lh,&Js.kh½

“kwU; 4 “kwU; “kwU; ***

8- Jh lq[ksu iky ccwrk

xSj&vkf/kdkfjd funs”kd ¼va'k/kkjd funs'kd½

499 5 2 “kwU; $

9- Jh latho dqekj vjksM+k

xSj&vkf/kdkfjd funs”kd “kwU; 5 “kwU; “kwU; #


Punjab & Sind Bank

Report on Corporate Governance (2013-14)

1. BANK’S PHILOSOPHY ON CODE OF GOVERNANCE :

The Bank shall continue its endeavor to enhance its shareholders’ value by protecting their interest by ensuring performance at all levels, and maximizing returns with optimal use of resources in its pursuit of excellence. The Bank shall comply with not only the statutory requirements, but also voluntarily formulate and adhere to a set of strong Corporate Governance practices. The Bank believes in setting high standards of ethical values, transparency and a disciplined approach to achieve excellence in all its sphere of activities. The Bank is also committed to follow the best practices. The Bank shall strive hard to best serve the interests of its stakeholders comprising shareholders, customers, Government and society at large.

The Bank is a listed entity, which is not a company but body corporate under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 and is regulated by Reserve Bank of India. Therefore, the Bank shall comply with the provisions of Revised Clause 49 of the Listing Agreement entered into with Stock Exchanges to the extent it does not violate the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980 and the Guidelines issued by Reserve Bank of India in this regard.

2. BOARD OF DIRECTORS

2.1 Composition of the Board:The composition of Board of Directors of the Bank is governed by the provisions of the Banking Regulation Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, as amended and the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1980, as amended.

The composition of Board of Directors of the Bank as on 31st March, 2014 is as under:

Sr. No

Name Position Held No. of equity

shares of the Bank

held as on 31.03.2014

No. of member-

ship in Sub Committees of the Bank

No. of Directorship held in other Companies i.e. Other than the

Bank.

No of Membership/ Chairmanship held in Sub

Committees of the Board in

Other Companies

Remarks (nature of

appointment in the Bank

/ other Companies)

1 Sh. Jatinderbir Singh, IAS

Chairman & Managing Director

NIL 10 NIL NIL +

2. Sh K.K. Sansi Executive Director NIL 9 NIL NIL *

3. Sh M.K.Jain Executive Director NIL 10 NIL NIL *

4. Sh S.C.Das Director –MOF Nominee Director

NIL 9 NIL NIL **

5. Sh P.K. Jena Director – RBI Nominee Director

NIL 6 NIL NIL @

6. Sh. S.P.S. Virk Workmen Employee Director

NIL 2 NIL NIL +++++

7. Sh.Mahesh Kumar Gupta (CA-Cat)

NIL 4 NIL NIL ***

8. Sh.Sukhen Pal Babuta (Shareholder Director)

499 5 2 NIL $

9. Sh. Sanjiv Kumar Arora

NIL 5 NIL NIL #



10- Jh lat; oekZ xSj&vkf/kdkfjd funs”kd “kwU; 5 “kwU; “kwU; ++

11- Jh lqjs”k Bkdqj xSj&vkf/kdkfjd funs”kd “kwU; 3 2 “kwU; +++

12- Jh ,u-jktsUnzu xSj&vkf/kdkfjd funs”kd ¼va'k/kkjd funs'kd)

500 3 “kwU; “kwU; ++++

13- Jherh vuhrk d.kkZoj

xSj&vkf/kdkfjd funs”kd “kwU; “kwU; “kwU; “kwU; ++++++

$ Hkkr ljdkj] foRr&ea=ky; ds fnukad 31 tuojh] 2014 ds i= la-,Q-u- 4@7@2013&chvks&I dh “krksaZ ds vuq:i iw.kZdkfyd funs”kd ¼v/;{k ,oa izca/k funs”kd ds :i esa inklhu½ 01-02-2014 dh izHkkoh frfFk ij vFkok mlds ckn dk;ZHkkj laHkkyusa vkSj fnukad 31-12-2017 rd vFkkZr viuh lsokfuo`fr dh frfFk rd ;k vkxkeh vkns”kksa rd] buesa ls tks Hkh igys gksA

* Hkkjr ljdkj] foRr&ea=ky; ds fnukad 05 vxLr] 2013 ds i= la- ,Q-ua- 4@5@2012&chvks& I dh “krksZa ds vuq:i vius inxzg.k djus dh izHkkoh frfFk ls rFkk fnukad 31-08-2017 rd vFkkZr~ viuh lsokfuo`fr dh frfFk rd ;k vkxkeh vkns”kksa rd vFkok buesa ls tks Hkh igys gks] dk;Zdkjh funs”kd ds :i esa fu;qDrA

* Hkkjr ljdkj] foRr&ea=ky; ds fnukad 05 vxLr] 2013 ds i= la- ,Q-ua- 4@5@2012&chvks& I dh “krksZa ds vuq:i vius inxzg.k djus dh izHkkoh frfFk ls ik¡p o’kZ rd ;k vkxkeh vkns”kksa rd vFkok buesa ls tks Hkh igys gks] rd dk;Zdkjh funs”kd ds :i esa fu;qDrA

** Hkkjr ljdkj] foRr&ea=ky; ds fnukad 22 vDrwcj] 2013 ds i= la- ,Q-ua- 6@3@2012&chvks& I cSaddkjh daiuh ¼ midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3½ ds [kaM ¼ch½ ds rgr rqjar izHkko ls ,oa vkxkeh vkns”k rd funs”kd fu;qDrA

@ Hkkjr ljdkj] foRr&ea=ky; ds fnukad 31ebZ] 2013 ds i= la- ,Q-ua- 6@34@2013&chvks& I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk 3 ds [kaM ¼lh½ ds rgr rqjar izHkko ls ,oa vkxkeh vkns”k rd funs”kd fu;qDrA

$$$$$ Hkkjr ljdkj] foRr&ea=ky; ds fnukad 23 uoacj] 2011 ds i= la- ,Q-ua- 9@35@2009&chvks&I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk 3 ds [kaM ¼bZ½ ds rgr lwpuk dh rkjh[k ls ,oa ik¡p o’kZ dh vof/k gsrq ;k lekfIr rd vFkok vkxkeh vkns”kksa rd] buesa ls tks Hkh igys gks] rd iatkc ,.M fla/k cSad ds dkexkj deZpkjh funs”kd jgsaxsA

*** Hkkjr ljdkj] foRr&ea=ky; ds fnukad 30 tuojh] 2013 ds i= la- ,Q-ua- 6@16@2013&chvks& I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3th½ ds rgr vf/klwpuk ls rhu o’kZ rd ;k vkxkeh vkns”k] tks Hkh igys gks] rd lkafof/kd ys[kkdkj Js.kh ds varxZr va”kdkfyd xSj&vkf/kdkfjd funs”kd fu;qDrA

$ “ks;j/kkjdksa ds e/; ls] dsanzh; ljdkj ds vfrfjDr cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½¼vkbZ½ tksfd jk’Vªh;d`r cSadksa ¼izca/ku ,oa fofHkUu izko/kkuksa½ ;kstuk 1980 rFkk iatkc ,.M fla/k cSad ¼”ks;jksa ,oa cSBdksa½ ls lacaf/kr vf/kfu;e 66¼vkbZ½] vf/kfu;e] 2008 [kaM 9 ¼4½ ds rgr vf/klwpuk ls 3 o’kZ rd dh vof/k vFkkZr fnukad 03-06-2011 ls funs”kd fu;qDrA

# Hkkjr ljdkj] foRr&ea=ky; ds fnukad 15 tqykbZ] 2011 ds i= la- ,Q-ua- 6@59@2010&chvks& I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3,p½ rFkk ¼3&,½ ds rgr vf/klwpuk ls rhu o’kZ rd ;k vkxkeh vkns”k] tks Hkh igys gks] rd va”kdkfyd xSj&vkf/kdkfjd funs”kd fu;qDrA


Punjab & Sind Bank

Sr. No

Name Position Held No. of equity

shares of the Bank

held as on 31.03.2014

No. of member-

ship in Sub Committees of the Bank

No. of Directorship held in other Companies i.e. Other than the

Bank.

No of Membership/ Chairmanship held in Sub

Committees of the Board in

Other Companies

Remarks (nature of

appointment in the Bank

/ other Companies)

10. Sh. Sanjay Verma NIL 5 NIL NIL ++

11. Sh. Suresh Thakur NIL 3 2 NIL +++

12. Sh.N. Rajendran(Shareholder Director)

500 3 NIL NIL ++++

13. Smt. Anita Karnavar

NIL NIL NIL NIL ++++++

+ Appointed in terms of GOI MOF letter No F.No.4/7/2013-BO-I dated 31st January 2014 as a whole time Director (designated as Chairman & Mg. Director) w.e.f. the date of taking charge on or after 01.02.2014 and upto 31.12.2017 i.e. the date of his attaining the age of superannuation or until further orders, whichever is earlier.

* Appointed in terms of GOI MOF letter No F.No.4/5/2012-BO-I dated 5th August 2013 as Executive Director w.e.f. the date of his taking over charge of the post and upto 31.08.2017 i.e. the date of his attaining the age of superannuation or until further orders, whichever is earlier.

* Appointed in terms of GOI MOF letter No F.No.4/5/2012-BO-I dated 5th August 2013 as Executive Director for

earlier.

** Appointed as Director in terms of GOI MOF letter No F.No.6/3/2012-BO-I dated 22nd October 2013 under clause (b) of sub section (3) of section 9 of the The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970/1980 with immediate effect and until further orders.

@ Appointed as Director in terms of GOI MOF letter No F.No.6/34/2013-BO-I dated 31st May 2013 under clause (c) of sub section 3 of Section 9 of Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970/1980 with immediate effect and until further orders.

+++++ Appointed as Workmen Employee Director in terms of GOI MOF letter No F.No.9 /35/2009-BO-I dated 23rd November 2011under Clause (e) of sub section 3 of Section 9 of The Banking Companies (Acquisition

ceases to be a Workmen employee of Punjab &Sind Bank or until further orders, whichever is earlier.

No F.No 6/16/2013-BO-I dated 30th January 2013 under of sub section (3g) of Section 9 of The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970/1980 for a period of three years from the date

$ Elected from amongst the shareholders, other than the Central Government, in terms of Section 9 (3) (i) of The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980 read with Clause 9 (4 ) of the Nationalised Banks (Management & Miscellaneous Provisions) Scheme 1980 and Regulation 66 (i) of Punjab & Sind Bank (Shares & Meetings) Regulations,2008 for a period of 3 years, i.e. from 03.06.2011.

July 2011 under of sub section (3h) and (3-A) of Section 9 of The Banking Companies (Acquisition & Transfer

or until further orders, whichever is earlier.



++ Hkkjr ljdkj] foRr&ea=ky; ds fnukad 12 vxLr] 2013 ds i= la- ,Q-ua- 6@16@2011&chvks&I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3,p½ rFkk ¼3&,½ ds rgr vf/klwpuk ls rhu o’kZ rd ;k vkxkeh vkns”k] tks Hkh igys gk]s rd va”kdkfyd xSj&vkf/kdkfjd funs”kd fu;qDrA

+++ Hkkjr ljdkj] foRr&ea=ky; ds fnukad 13 tqykbZ] 2011 ds i= la- ,Q-ua- 6@57@2010&chvks&I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3,p½ rFkk ¼3&,½ ds rgr vf/klwpuk ls rhu o’kZ rd ;k vkxkeh vkns”k] tks Hkh igys gks] rd va”kdkfyd xSj&vkf/kdkfjd funs”kd fu;qDrA

++++“ks;j/kkjdksa ds e/; ls] dsanzh; ljdkj ds vfrfjDr cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½¼vkbZ½ tksfd jk’Vªh;d`r cSadksa ¼izca/ku ,oa fofHkUu izko/kkuksa½ ;kstuk 1980 rFkk iatkc ,.M fla/k cSad ¼”ks;jksa ,oa cSBdksa½ ls lacaf/kr vf/kfu;e 66¼vkbZ½] vf/kfu;e] 2008 [kaM 9 ¼4½ ds rgr vf/klwpuk ls 3 o’kZ rd dh vof/k vFkkZr fnukad 03-06-2011 ls funs”kd fu;qDrA

$$$$$$ Hkkjr ljdkj] foRr&ea=ky; ds fnukad 30 tuojh] 2014 ds i= la- ,Q-ua- 6@56@2013&chvks&I cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 dh /kkjk 9 mi/kkjk ¼3,p½ rFkk ¼3&,½ ds rgr mudh fu;qfDr dh vf/klwpuk ls rhu o’kZ rd ;k vkxkeh vkns”k] tks Hkh igys gks] rd va”kdkfyd xSj&vkf/kdkfjd funs”kd fu;qDrA

2-2 o"kZ ds nkSjku fun’kdksa dh fu;qfDr@dk;Z&lekfIr

o’kZ 2013&2014 ds nkSjku cSad ds funs”kd eaMy ds xBu esa fuEufyf[kr ifjorZu gq, %

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 31-01-2014 dh vf/klwpuk la- ,Q-ua- 4@7@2013&chvks-1 ds varxZr Jh tfranjchj flag vkbZ-,-,l- dks iatkc ,.M fla/k cSad ds v/;{k ,oa izca/k funs”kd ds :Ik esa fu;qDr fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 30-01-2014 dh vf/klwpuk la- ,Q-ua- 6@56@2013&chvks-1 ds varxZr Jherh vfurk d.kkZoj dks iatkc ,.M fla/k cSad ds xSj&vkf/kdkfjd funs”kd ds :Ik esa ukfer fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 22-10-2013 dh vf/klwpuk la- ,Q-ua- 6@3@2012&chvks-1 ds varxZr Jh ,l-lh-nkl dks iatkc ,.M fla/k cSad ds foRr&ea=ky; ds ukfer funs”kd ds :Ik esa ukfer fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 05-08-2013 dh vf/klwpuk la- ,Q-ua- 4@5@2012&chvks-1 ds varxZr Jh eqds”k dqekj tSu dks iatkc ,.M fla/k cSad ds dk;Zdkjh funs”kd ds :Ik esa fu;qDr fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 05-08-2013 dh vf/klwpuk la- ,Q-ua- 4@5@2012&chvks-1 ds varxZr Jh fd”kksj dqekj lk¡lh dks iatkc ,.M fla/k cSad ds dk;Zdkjh funs”kd ds :Ik esa fu;qDr fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 12-08-2013 dh vf/klwpuk la- ,Q-ua- 6@16@2011&chvks-1 ds varxZr Jh lat; oekZ dks iatkc ,.M fla/k cSad ds xSj&vkf/kdkfjd funs”kd ds :Ik esa ukfer fd;k x;kA

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx] ubZ fnYyh dh fnukad 31-05-2013 dh vf/klwpuk la- ,Q-ua- 6@34@2013&chvks-1 ds varxZr Jh iznhIrk ds- tsuk dks iatkc ,.M fla/k cSad ds Hkk-fj-cSad ukfer funs”kd ds :Ik esa ukfer fd;k x;kA

Jh nfoanj iky flag cSad ds v/;{k ,oa izca/k funs”kd ds :i esa fnukad 31-01-2014 dks ekg ds vafre fnu viuk dk;Zdky iwjk dj lsokfuo`Rr gq,A


Punjab & Sind Bank

August 2013 under of sub section (3h) and (3-A) of Section 9 of The Banking Companies (Acquisition & Transfer


July 2011 under of sub section (3h) and (3-A) of Section 9 of The Banking Companies (Acquisition & Transfer


++++ Elected from amongst the shareholders, other than the Central Government, in terms of Section 9 (3) (i) of The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980 read with Clause 9 (4) of the Nationalised Banks (Management & Miscellaneous Provisions) Scheme 1980 and Regulation 66 (i) of Punjab & Sind Bank (Shares & Meetings) Regulations, 2008 for a period of 3 years, i.e. from 03.06.2011.

30th January 2014 under of sub section (3h) and (3-A) of Section 9 of The Banking Companies (Acquisition

appointment or until further orders, whichever is earlier.

2.2 Appointment / Cessation of Directors During The YearThe constitution of Bank’s Board of Directors underwent the following changes during the year 2013-2014:

[A] Appointment:

Sh. Jatinderbir Singh, IAS was appointed as Chairman & Managing Director of Punjab & Sind Bank vide

4/7/2013-BO.1 dated 31.01.2014.

30.01.2014.

Sh. S C Das was nominated as Ministry of Finance Nominee Director of the Bank vide Government of India,

dated 22.10.2013.

Sh. Mukesh Kumar Jain was appointed as Executive Director of Punjab & Sind Bank, vide Government of

BO.1 dated 05.08.2013.

Sh. Kishore Kumar Sansi was appointed as Executive Director of Punjab & Sind Bank, vide Government of

BO.1 dated 05.08.2013.

12.08.2013.

Sh. Pradipta K Jena was nominated as RBI Nominee Director of the Bank vide Government of India, Ministry

31.05.2013

[B] Directors out going / resigned during the year:

Sh. Devinder Pal Singh completed his term as Chairman & Managing Director of the Bank on 31.01.2014 i.e. the last day of the month in which he attained the age of superannuation.



Jh jtr lPpj foRr&ea=ky; }kjk ukfer funs”kd cSad ds cksMZ esa fnukad 21-10-2013 rd jgsA

Jh djuiky flag ls[kksa us cSad cksMZ esa xSj&vkf/kdkfjd funs”kd ds :i esa fnukad 04-07-2013 dks viuk dk;Zdky iwjk fd;kA

Hkk-fj-cSad }kjk ukfer funs”kd Jh ch-ih- dkuwuxks fnukad 30-05-2013 rd cSad ds funs”kd eaMy esa jgsA

Jh ih-ds- vkuan cSad ds dk;Zdkjh funs”kd ds :i esa] vFkkZr~ fnukad 31-05-2013 dks ekg ds vafre fnu viuk dk;Zdky iwjk dj lsokfuo`Rr gq,A

2-3 o"kZ 2013&14 ds nkSjku fu;qDr funs’kdksa dk ifjp; %

¼d½ Jh tfranjchj flag&vkbZ-,-,l-

1- iwjk uke Jh tfranjchj flag

2- firk dk uke ljnkj cyoar flag

3- tUe frfFk ,oa vk;q 12-12-1957& 56o’kZ

4- orZeku irk iatkc ,.M fla/k cSad] cSad gkÅl] 21] jktsUnz Iysl] ubZ fnYyh

5- bZ&esy irk [email protected]

6- “kSf{kd ;ksX;rk ,e-ch-,-] LukrdksRrj&vaxzsth] Lukrd

7- funs”kd ds :i esa fu;qfDr dk Lo:i v/;{k ,oa izca/k funs”kd] iatkc ,.M fla/k cSad

8- vquHko viuh 30 o’kZ dh yach dk;Zkof/k ds nkSjku ;s vle] es?kky; rFkk dsanz ljdkj ds x`g ekeyksa] jlk;u o moZjd] j{kk rFkk ty lalk/ku ea=ky;ksa esa izfrf’Br inksa ij dk;Zjr jgsA

9- vU; funs”kdh; inksa dk fooj.k

¼;fn dksbZ gks rks½

&

1- iwjk uke Jh eqds”k dqekj tSu

2- firk dk uke LoxhZ; Jh enu yky tSu


4- orZeku irk 501] VkWoj 1] dkWeuosYFk [ksy xk¡o] v{kj/kke] ubZ fnYyh


6- “kSf{kd ;ksX;rk fnYyh Ldwy vkWQ bdksukWfeDl ls LukrdksRrj] lunh ys[kkdkj

7- funs”kd ds :i esa fu;qfDr dk Lo:i dk;Zdkjh funs”kd] iatkc ,.M fla/k cSad

8- vquHko iwoZ egkizca/kd] nsuk cSad



&


Punjab & Sind Bank

Sh. Rajat Sachar MOF Nominee Director was on the Board of the Bank up to 21.10.2013.

04.07.2013.

Sh. B P Kanungo RBI Nominee Director was on the Board of the Bank up to 30.05.2013.

Sh. P K Anand completed his term as Executive Director of the Bank on 31.05.2013 i.e. the last day of the month in which he attained the age of superannuation.

[A] Shri Jatinderbir Singh-IAS

SNO. PARTICULARS DETAIL

1. FULL NAME SHRI JATINDERBIR SINGH

2. FATHER’S NAME SARDAR BALWANT SINGH

3. DATE OF BIRTH & AGE 12.12.1957 - 56YEARS

4. PRESENT ADDRESSPUNJAB & SIND BANK, BANK HOUSE,21, RAJENDRA PLACE,NEW DELHI

5. EMAIL ADDRESS [email protected]

6. EDUCATIONAL QUALIFICATION MBA, PG-ENGLISH, GRADUATION

7. NATURE OF APPOINTMENT AS DIRECTOR CHAIRMAN & MANAGING DIRECTOR, PUNJAB & SIND BANK

8. EXPERIENCE DURING HIS 30 YEARS LONG SERVICE SPAN HE HAD MANY PRESTIGIOUS ASSIGNMENTS IN ASSAM, MEGHALAYA AND IN DIFFERENT CENTRAL GOVERNMENT MINISTRIES SUCH AS HOME AFFAIRS, CHEMICALS & FERTILIZERS, DEFENCE AND WATER RESOURCES.

9. PARTICULARS OF OTHER DIRECTORSHIP (if any)

—

-

[B] Shri Mukesh Kumar Jain


1. FULL NAME SHRI MUKESH KUMAR JAIN

2. FATHER’S NAME LT. SHRI MADAN LAL JAIN

3. DATE OF BIRTH & AGE 01.08.1960 – 53 YEARS

4. PRESENT ADDRESS 501, TOWER 1, COMMONWEALTH GAMES VILLAGE, AKSHARDHAM, NEW DELHI.


6. EDUCATIONAL QUALIFICATION POST GRADUATE, DELHI SCHOOL OF ECONOMICS; CHARTERED ACCOUNTANT

7. NATURE OF APPOINTMENT AS DIRECTOR EXECUTIVE DIRECTOR, PUNJAB & SIND BANK

8. EXPERIENCE EX GENERAL MANAGER, DENA BANK

9. PARTICULARS OF OTHER DIRECTORSHIP (if any) —



¼x½ Jh fd’kksj dqekj lk¡lh

1- iwjk uke Jh fd”kksj dqekj lk¡lh

2- firk dk uke Jh Hkhe lsu lk¡lh


4- orZeku irk Mh&1@5] jktkSjh xkMZu] ubZ fnYyh


6- “kSf{kd ;ksX;rk ,e-,l-lh] ,e-Vsd

7- funs”kd ds :i esa fu;qfDr dk Lo:i dk;Zdkjh funs”kd] iatkc ,.M fla/k cSad

8- vquHko iwoZ egkizca/kd] vksfj;aVy cSad vkWQ dkWelZ



&

¼?k½ Jh lat; oekZ

1- iwjk uke Jh lat; oekZ

2- firk dk uke LoxhZ; Jh “;keyky oekZ


4- orZeku irk 425] vkbZvkbZ,e] oL=iqj] vgenkckn


6- “kSf{kd ;ksX;rk ih-,p-Mh-] ,e-ch-,-] ch-,l-lh-

7- funs”kd ds :i esa fu;qfDr dk Lo:i va'kdkfyd xSj&vkf/kdkfjd funs”kd]

8- vquHko izfrf’Br “kSf{kd laLFkku esa v/;kiu dk 22 o’kksZa ls Hkh vf/kd dk vuqHkoA ebZ] 1999 ls vkbZvkbZ,e vgenkckn esa v/;kiu dk;Z dj jgs gSaA



&


Punjab & Sind Bank

[C] Shri Kishore Kumar Sansi


1. FULL NAME SHRI KISHORE KUMAR SANSI

2. FATHER’S NAME SHRI BHIM SAIN SANSI

3. DATE OF BIRTH & AGE 19.08.1957- 56 YEARS

4. PRESENT ADDRESS D-I/5, RAJOURI GARDEN, NEW DELHI


6. EDUCATIONAL QUALIFICATION M.SC, M.TECH.

7. NATURE OF APPOINTMENT AS DIRECTOR EXECUTIVE DIRECTOR, PUNJAB & SIND BANK

8. EXPERIENCE EX GENERAL MANAGER, OBC


[D] Shri Sanjay Verma


1. FULL NAME SHRI SANJAY VERMA

2. FATHER’S NAME LT. SHRI SHYAMLAL VERMA

3. DATE OF BIRTH & AGE 17.08.1968- 45 Years

4. PRESENT ADDRESS 425, IIM VASTRAPUR, AHMEDABAD.


6. EDUCATIONAL QUALIFICATION PhD. , MBA, BSc.

7. NATURE OF APPOINTMENT AS DIRECTOR PART-TIME NON-OFFICIAL DIRECTOR

8. EXPERIENCE MORE THAN 22 YEARS TEACHING EXPERIENCE IN PRESTIGIOUS EDUCATIONAL INSTITUTES. HAS BEEN TEACHING IN IIM AHMEDABAD SINCE MAY-1999.




¼M-½ Jh ,l-lh-nkl

1- iwjk uke Jh ,l-lh-nkl

2- firk dk uke Jh jkt d`’.k nkl


4- orZeku irk 23@177] VkbZi IV]Q~ySV+l] yks/kh jksM] ubZZ fnYyh


6- “kSf{kd ;ksX;rk Lukrd

7- funs”kd ds :i esa fu;qfDr dk Lo:i Hkkjr ljdkj }kjk ukfer funs”kd] mi lfpo] foRrh; lsok,a foHkkx

8- vquHko dsanzh; ljdkj ds fofHkUUk ea=ky;ksa esa 38 o’kkZsa dk vuqHko

9-vU; funs”kdh; inksa dk fooj.k

¼;fn dksbZ gks rks½&

¼p½ Jherh vuhrk d.kkZoj

1- iwjk uke Jherh vfurk d.kkZoj

2- firk dk uke Jh Vh ds vkj dq:i


4- orZeku irk ih:EihRrkFkq gkml] usnqojedksM+] ih-vks- ,Yyhih ¼Mh Vh½] dsjyk- fiu& 689508


6- “kSf{kd ;ksX;rk nks ckj LukrdksRrj

7- funs”kd ds :i esa fu;qfDr dk Lo:i va”kdkfyd xSj&vkf/kdkfjd funs”kd

8- vquHko m|eh] xSj&ljdkjh laxBu esa fdz;k”khy rFkk nwjn”kZu esa U;wt+ jhMj



&

¼N½ Jh iznhIr dqekj tsuk

1- iwjk uke Jh iznhIr dqekj tsuk

2- firk dk uke Jh n”kjFkh tsuk


4- orZeku irk 26] e/kqlwnu uxj] ;wfuV&4] Hkqous”oj& 751001



Punjab & Sind Bank

[E] Shri S C Das


1. FULL NAME SHRI S C DAS

2. FATHER’S NAME SHRI RAJ KRISHAN DAS

3. DATE OF BIRTH & AGE 01.05.1954 – 59 YEARS

4. PRESENT ADDRESS 23/177, TYPE IV FLATS, LODHI ROAD, NEW DELHI.


6. EDUCATIONAL QUALIFICATION B.A.

7. NATURE OF APPOINTMENT AS DIRECTOR GOVERNMENT NOMINEE DIRECTOR, DY. SECTARY, DEPARTMENT OF FINANCIAL SERVICES

8. EXPERIENCE 38 YEARS EXPERIENCE IN DIFFERENT CENTRAL GOVERNMENT MINISTRIES.


[F] Smt. Anita Karnavar


1. FULL NAME SMT. ANITA KARNAVAR

2. FATHER’S NAME SHRI T K R KURUP


4. PRESENT ADDRESS PERUMPITTATHU HOUSE, NEDUVARAMCOD, P.O. ALLEPPEY (DT), KERALA. PIN-689508


6. EDUCATIONAL QUALIFICATION DOUBLE POST GRADUATE

7. NATURE OF APPOINTMENT AS DIRECTOR PART-TIME NON-OFFICIAL DIRECTOR

8. EXPERIENCE ENTREPRENEUR, NEWS READER IN DOORDARSHAN AND RUNNING A NGO.


[G] Shri Pradipta Kumar Jena


1. FULL NAME SHRI PRADIPTA KUMAR JENA

2. FATHER’S NAME SHRI DASARATHI JENA


4. PRESENT ADDRESS 26, MADHUSUDAN NAGAR,UNIT-4, BHUBANESHWAR-751001




6- “kSf{kd ;ksX;rk LukrdksRrj] ,e-fQy

7- funs”kd ds :i esa fu;qfDr dk Lo:i Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd

8- vquHko eq[; egk izca/kd {ks=h; funs”kd] Hkk-fj-cSad] Hkqous”oj



&

2-4 cksMZ cSBdsa

foRrh; o’kZ 2013&14 ds nkSjku cksMZ dh fuEufyf[kr frfFk;ksa dks dqy 16 cSBdsa gqbZ tcfd jk’Vªh;d`r cSad ¼izca/ku ,oa fofo/k izko/kku½ ;kstuk] 1980 ds [kaM 12 esa fu/kkZfjr “krZ ds vqulkj U;wure 6 cSBdsa ds vfuok;Z gSaA

06-04-2013 01-05-2013 21-05-2013 31-05-2013 14-06-2013

26-06-2013 27-07-2013 19-08-2013 25-09-2013 05-10-2013

11-11-2013 21-12-2013 02-01-2014 16-01-2014 28-01-2014

26-02-2014

lfefr dh vk;ksftr iwoZdfFkr cSBdksa esa funs'kdksa dh muds lacaf/kr dk;Zdky ds nkSjku mifLFkfr dk C;kSjk fuEukuqlkj gS%

Jh Mh-ih-flag&Hkw-iw-& v/;{k ,oa izca/k funs”kd 01-04-2013 ls 31-01-2014 15 14

Jh tfranjchj fla g& v/;{k ,oa izca/k funs”kd 04-02-2014 ls 31-03-2014 1 1

Jh ih-ds-vkuan&Hkw-iw-&dk;Zdkjh funs”kd 01-04-2013 ls 31-05-2013 4 4

Jh ds-ds-lk¡lh&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 9 9

Jh ,e-ds-tSu&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 9 9

Jh jtr lPpj& foRr&ea=ky; }kjk ukfer funs”kd 01-04-2013 ls 21-10-2013 10 8

Jh ,l-lh-nkl& foRr&ea=ky; }kjk ukfer funs”kd 22-10-2013 ls 31-03-2014 6 4

Jh ch-ih-dkuwuxks& Hkk-fj-cSad }kjk ukfer funs”kd 01-04-2013 ls 30-05-2013 3 1

Jh ih-ds-tsuk& Hkk-fj-cSad }kjk ukfer funs”kd 31-05-2013 ls 31-03-2014 13 7

Jh egs”k dqekj xqIrk& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 15

Jh djuiky flag ls[kksa&xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 04-07-2013 6 5

Jh lq[ksu iky ccwrk& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 16


Punjab & Sind Bank


6. EDUCATIONAL QUALIFICATION M.A. M.PHIL

7. NATURE OF APPOINTMENT AS DIRECTOR RBI NOMINEE DIRECTOR

8. EXPERIENCE CGM REGIONAL DIRECTOR, RBI, BHUBANESHWAR


2.4 Board Meetings:During the Financial Year 2013-14, total 16 Board Meetings were held on the following dates as against minimum of 6 meetings prescribed under Clause 12 of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1980.

06.04.2013 01.05.2013 21.05.2013 31.05.2013 14.06.2013

26.06.2013 27.07.2013 19.08.2013 25.09.2013 05.10.2013

11.11.2013 21.12.2013 02.01.2014 16.01.2014 28.01.2014

26.02.2014

The details of attendance of the Directors at the aforesaid Board Meetings held during their respective tenure are as under:

Name of the Director Period Meetings held during their

tenure

Meetings attended

Sh D.P. Singh – Ex.CMD 01.04.2013 to 31.01.2014 15 14

Sh Jatinderbir Singh-CMD 04.02.2014 to 31.03.2014 1 1

Sh P.K. Anand – Ex.ED 01.04.2013 to 31.05.2013 4 4

Sh. K.K.Sansi-ED 05.08.2013 to 31.03.2014 9 9

Sh M.K.Jain-ED 05.08.2013 to 31.03.2014 9 9

Sh Rajat Sachar – MOF Nominee Director 01.04.2013 to 21.10.2013 10 8

Sh S C Das– MOF Nominee Director 22.10.2013 to 31.03.2014 6 4

Sh B.P. Kanungo –RBI Nominee Director 01.04.2013 to 30.05.2013 3 1

Sh. P.K.Jena- RBI Nominee Director 31.05.2013 to 31.03.2014 13 7

01.04.2013-31.03.2014 16 15

01.04.2013 to 04.07.2013 6 5

01.04.2013 to 31.03.2014 16 16



Jh ,u-jktsUnzu& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 13

Jh lqjs”k Bkdqj& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 13

Jh latho dqekj vjksM+k&xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 16

Jh ,l-ih-,l fodZ& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 16 16

Jh lat; oekZ& xSj&vkf/kdkfjd funs”kd 12-08-2013 ls 31-03-2014 9 7

Jherh vfurk d.kkZoj& xSj&vkf/kdkfjd funs”kd 30-01-2014 ls 31-03-2014 1 1

2-5- vkpkj Lkafgrk

funs'kd eaMy rFkk Áeq[k Áca/ku dkÆed vFkkZr~ funs'kd a ,oa funs'kd Lks ,d in uhps ftuesa LkÒh egkÁca/kd LkfEefyr gSa] gsrq LV‚d ,DLkpsat esa Lkwphc)rk djkj ds [kaM 49 dh vuqikyuk esa vkpkj Lkafgrk d¨ funs'kd eaMy }kjk vuqe¨fnr dj fn;k x;k gSA mä vkpkj Lkafgrk dk cSad dh oscLkkbV www.psbindia.com ij voy¨du fd;k tk Lkdrk gSA funs'kd eaMy ds LkÒh LknL; a ,oa egkÁca/kd a us vkpkj Lkafgrk ds Áfr Lkgefr O;ä dj nh gSA

3- lkekU; cSBd

cSad ds “ks;j/kkjdksa dh rhljh okf’kZd lkekU; cSBd cq/kokj fnukad 26 twu] 2013 dks ubZ fnYyh esa vk;ksftr dh xbZ] tgkaa fuEufyf[kr funs”kd mifLFkr Fks %

1-- Jh Mh-ih-flag v/;{k ,oa izca/k funs”kd

2- Jh jtr lPpj funs”kd

3- Jh egs”k dqekj xqIrk funs”kd

4- Jh djuiky flag ls[kksa funs”kd

5- Jh lq[ksu iky ccwrk funs”kd

6- Jh ,u- jktssUnzu funs”kd

7- Jh lqjs”k Bkdqj funs”kd

8- Jh latho vjksM+k funs”kd

9- Jh ,l-ih-,l-fodZ funs”kd

3-2 vLkk/kkj.k LkkekU; cSBd

Hkkjr ljdkj ds ek/;e ls dk;Z djrs gq, Hkkjr ds jk’Vªifr dks bfDoVh “ks;jksa ds vf/keku vkcaVu djus ij fopkj djus gsrq fnukad 21-12-2013 dks vlk/kkj.k lkekU; cSBd vk;ksftr dh xbZ rFkk ;g fu.kZ; fy;k x;k fd :- 10@& ewY; ds 2]12]63]023 bfDoVh “ks;jksa dks vf/keku vk/kkj ij :- 47-03@&¼:- 37-03 ds izhfe;e lfgr½ ij Hkkjr ljdkj ds ek/;e ls dk;Z djrs gq, Hkkjr ds jk’Vªifr dks t+kjh ,oa vkcafVr fd, tk,aA

4- funs’kdksa dh lfefr;k¡

cSad ds funs”kd eaMy us dkWjiksjsV xousZal rFkk tksf[ke izca/ku iz.kkyh ij Hkkjr ljdkj rFkk Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kkuqlkj dk;Zuhfr ds egRoiw.kZ {ks=ksa ij fuxjkuh j[kus ds fy, funs”kdksa dh fofHkUu lfefr;ksa dk xBu fd;k gSA cksMZ desVh dh cSBdksa ds nkSjku izca/ku oxZ ekuo lalk/ku@vkS|ksfxd laca/k ds ifjpkyu] fu’iknu fodkl ij fopkj&foe”kZ ds lkFk&lkFk {ks=h; fodkl] mRiknu ds dk;Z&fu’iknu] voljksa] pqukSfr;ksa] tksf[keksa vkSj mlls lacaf/kr vko”;drkvksa ds fo”ys’k.k ij tksj fn;k gSA funs”kd eaMy }kjk xfBr egRoiw.kZ lfefr;k¡ fuEukuqlkj gSa %


Punjab & Sind Bank

Name of the Director Period Meetings held during their

tenure

Meetings attended

01.04.2013 to 31.03.2014 16 13

01.04.2013 to 31.03.2014 16 13

01.04.2013 to 31.03.2014 16 16

01.04.2013 to 31.03.2014 16 16

12.08.2013 to 31.03.2014 9 7

30.01.2014 to 31.03.2014 1 1

2.5 Code of Conduct:The Code of Conduct for Board of Directors and key Management Personnel i.e. Directors & one rank below Director comprising all General Managers has been approved by the Board of Directors in compliance of Clause 49 of the Listing Agreement with Stock Exchanges. The said Code of Conduct is posted on Bank’s website www.

The Third Annual General Meeting of the shareholders of the Bank was held on Wednesday, 26th June, 2013 at New Delhi, where the following Directors were present :

1. Sh. D.P. Singh Ex.Chairman and Managing Director

2. Sh. Rajat Sachar Director

3. Sh. Mahesh Kumar Gupta Director

4. Sh. Karanpal Singh Sekhon Director

5. Sh. Sukhen Pal Babuta Director

6. Sh. N Rajendran Director

7. Sh. Suresh Thakur Director

8. Sh. Sanjiv Arora Director

9. Sh. S.P.S.Virk Director

Extra Ordinary General Meeting of the Bank was held on 21.12.2013 to consider the allotment of preferential issue of equity shares to The President of India acting through the Government of India [GOI] and it was resolved to issue and allot 2,12,63,023 equity shares of Rs.10/- each to The President of India acting through the Government of India [GOI] on preferential basis at a price of Rs.47.03 (including premium of Rs.37.03).

4. COMMITTEES OF DIRECTORS:

The Board of Directors of the Bank has constituted various Committees of Directors to look into different areas of strategic importance in terms of Reserve Bank of India and Government of India guidelines on Corporate Governance and Risk Management. The Management lays emphasis on the analysis of sectoral development, segment / product performance, opportunities, threats, risks & associated concern besides operational performance & development of HR / IR in the discussions during the Board / Committee Meetings. The important Committees of the Board are as under:



1- funs'kd eaMy dh Áca/ku Lkfefr ¼,eLkh½

2- c¨MZ dh ys[kk ijh{kk Lkfefr ¼,Lkhch½

3- cM+h jkf'k dh /k¨[kk/kM+h fuxjkuh Lkaca/kh Lkfefr

4- LkrdZrk Lkfefr

5- t¨f[ke Áca/ku Lkfefr

6- xzkgd Lksok Lkfefr

7- ikfjJfed Lkfefr

8- 'ks;j/kkjdä@fuos'kdä dh f'kdk;r fuokj.k Lkfefr

9- ukekadu Lkfefr

10- Lkwpuk Á©|¨fxdh dk;Zuhfr Lkfefr

11- dk;Zikydä ds Áë¨'ku ij funs'kdä dh Lkfefr

12- vihy@Lkeh{kk Ákf/kdkjh ij funs'kdä dh Lkfefr

13- ekuo lalk/ku fodkl lfefr

14- olwyh fuxjkuh lfefr

15- leorhZ ys[kk ijh{kk lfefr

16- “ks;j/kkjd funs”kd pquko lfefr& lkoZtfud {ks= ds cSadksa }kjk oksfVax

4-1 funs’kd eaMy dh izca/ku lfefr %

cksMZ dh izca/ku lfefr dk xBu Hkkjr ljdkj] foRr&ea=ky; }kjk fd, x, la”kks/kuksa ds lkFk ifBr jk’Vªh;d`r cSad ¼izca/ku ,oa fofo/k izko/kku½ ;kstuk] 1980 ¼;Fkkla”kksf/kr½ ds [kaM& 13 ds vuqlj.k esa fd;k x;k gS tks vR;f/kd egRoiw.kZ dkjksckjh ekeys tSls vf/kd jkf”k ds _.k izLrko eatwj djus] le>kSrk@cV+Vk [kkrk izLrko] iwathxr ,oa jktLo O;; dh Lohd`fr] ifjlj] fuos”k] nku vkfn ij fopkj djrh gSA

lfefr esa v/;{k ,oa izca/k funs”kd] dk;Zdkjh funs”kd (dksa)vkSj /kkjk 9¼3½¼lh½ ,oa 9¼3½¼th½ ds rgr Hkkjr ljdkj }kjk ukfer funs”kdksa rFkk cSaddkjh daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½ dh mi/kkjk ¼bZ½ ¼,Q½¼,p½ o ¼vkbZ½ ds v/khu fu;qDr funs”kdksa esa ls rhu funs”kdksa dk lekos”k gSA

31 ekpZ] 2014 dks lfefr dh lajpuk fuEukuqlkj gS %

1- Jh tfranjchj flag& v/;{k ,oa izca/k funs”kd

2- Jh ds-ds-lk¡lh& dk;Zdkjh funs”kd

3- Jh ,e-ds-tSu& dk;Zdkjh funs”kd

4- Jh iznhIr ds tsuk& Hkk-fj-cSad }kjk ukfer funs”kd

5- Jh egs”k dqekj xqIrk& xSj&vkf/kdkfjd funs”kd ¼pkVZMZ vdkmaVsaV Js.kh½

6- Jh lq[ksu iky ccwrk& xSj&vkf/kdkfjd funs”kd

7- Jh latho dqekj vjksM+k& xSj&vkf/kdkfjd funs”kd

8- Jh lqjs”k Bkdqj& xSj&vkf/kdkfjd funs”kd

9- Jh lat; oekZ& xSj&vkf/kdkfjd funs”kd


Punjab & Sind Bank

SNo Name of the Committee

1. Management Committee of the Board (MC)

2. Audit Committee of Board (ACB)

3. Committee for Monitoring of Large Value Frauds

4. Vigilance Committee

5. Risk Management Committee

6. Customer Service Committee

7. Remuneration Committee

8. Shareholders’ / Investors’ Grievance Committee

9. Nomination Committee

10. I T Strategy Committee

11. Committee of Directors on Executives’ Promotions

12. Committee of Directors on Appellate / Reviewing Authority

13. HR Committee

14. Committee for Monitoring of Recovery

15. Concurrent Audit Committee

16. Election of Shareholder Director Committee-Voting by Public Sector Bank

4.1. Management Committee of the Board:

In pursuance of Clause 13 of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1980 (as amended) read with the amendments made by the Ministry of Finance, Government of India, a Management

sanction of high value credit proposals, compromise / write-off proposals, sanction of capital and revenue expenditure, premises, investments, donations etc.

The Committee mandate to consist of Chairman and Managing Director , Executive Director (s)and Directors nominated by Government of India under Section 9 (3) (c) and 9 (3) (g) besides three Directors from amongst those appointed under sub section (e) (f) (h) and (i) of section 9(3) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980.

The composition of the committee as on 31st March 2014 is as under:

SNo Name of the Director

1. Sh. Jatinderbir Singh- Chairman & Managing Director

2. Sh K.K. Sansi – Executive Director

3. Sh. M.K.Jain – Executive Director

4. Sh Pradipta.K. Jena – RBI Nomiinee Director

5.

6.

7.

8.

9.



foRrh; o’kZ 2013&14 ds nkSjku cksMZ dh izca/ku lfefr dh fuEukafdr frfFk;ksa ij 21 cSBdksa dk vk;kstu fd;k x;k %


Jh Mh-ih-flag&Hkw-iw-&v/;{k ,oa izca/k funs”kd 01-04-2013 ls 31-01-2014 17 16

Jh tfranjchj flag&v/;{k ,oa izca/k funs”kd 04-02-2014 ls 31-03-2014 4 4


Jh ds-ds-lk¡lh&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 17 17

Jh ,e-ds-tSu&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 17 17

Jh ch-ih-dkuwuxks&Hkk-fj-cSad }kjk ukfer funs”kd01-04-2013 ls 30-05-2013 2 1

Jh ih-ds-tsuk&Hkk-fj-cSad }kjk ukfer funs”kd 31-05-2013 ls 31-03-2014 19 12

Jh egs”k dqekj xqIrk&xSj- vf/kdkfjd funs'kd 01-04-2013 ls 31-03-2014 21 20

Jh lq[ksu iky ccwrk&xSj- vf/kdkfjd funs'kd14-06-2013 ls 13-12-2013 11 1101-01-2014 ls 31-03-2014 7 6

Jh latho dqekj vjksM+k&xSj- vf/kdkfjd funs'kd

01-04-2013 ls 13-06-2013 2 201-07-2013 ls 31-12-2013 11 1115-01-2014 ls 31-03-2014 5 5

Jh djuiky flag ls[kksa&xSj- vf/kdkfjd funs'kd 01-04-2013 ls 04-07-2013 3 3

Jh lat; oekZ&xSj- vf/kdkfjd funs'kd 14-12-2013 ls 31-03-2014 8 6

Jh lqjs”k Bkdqj&xSj- vf/kdkfjd funs'kd01-04-2013 ls 14-07-2013 3 311-01-2014 ls 31-03-2014 5 5

Jh ,l-ih-,l-fodZ&dkexkj funs'kd 15-07-2013 ls 14-01-2014 13 13

4-2 cksMZ dh ys[kk&ijh{kk lfefr ¼,lhch½ %

cSad us dkWiksZjsV xousZal ds ewy fl)karksa ds vuq:i vkSj Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa ds vuqlj.k esa cksMZ dh ys[kk ijh{kk lfefr xfBr dh gSA ,d xSj&dk;Zdkjh funs”kd tks fd lunh ys[kkdkj gSa] lfefr ds v/;{k gSaA

31 ekpZ] 2014 dks lfefr dh lajpuk bl izdkj gS%


Punjab & Sind Bank

During the Financial Year 2013-14, the Management Committee of the Board met on 21 occasions on the following dates:

06.04.2013 21.05.2013 26.06.2013 26.07.2013 19.08.2013

23.08.2013 07.09.2013 17.09.2013 25.09.2013 05.10.2013

26.10.2013 11.11.2013 07.12.2013 21.12.2013 02.01.2014

11.01.2014 28.01.2014 26.02.2014 12.03.2014 22.03.2014

29.03.2014

The details of attendance of the Directors at the aforesaid Meetings of the Committee held during their respective tenure are as under:

Name of the Director Period Meetings held during their tenure

Meetings attended

Sh D.P. Singh – Ex.CMD 01.04.2013 to 31.01.2014 17 16

Sh. Jatinderbir Singh– CMD 04.02.2014 to 31.03.2014 4 4

Sh P.K. Anand – Ex.ED 01.04.2013 to 31.05.2013 2 2

Sh. K.K.Sansi– ED 05.08.2013 to 31.03.2014 17 17

Sh. M.K.Jain– ED 05.08.2013 to 31.03.2014 17 17

Sh B.P. Kanungo-RBI Nominee 01.04.2013 to 30.05.2013 2 1

Sh. P K Jena-RBI Nominee 31.05.2013 to 31.03.2014 19 12

Director01.04.2013 to 31.03.2014 21 20

14.06.2013 to 13.12.2013 11 11

01.01.2014 to 31.03.2014 7 6

01.04.2013 to 13.06.2013 2 2

01.07.2013 to 31.12.2013 11 11

15.01.2014 to 31.03.2014 5 5

Sh. Karanpal Singh Sekhon– 01.04.2013 to 04.07.2013 3 3

14.12.2013 to 31.03.2014 8 6

01.04.2013 to 14.07.2013 3 3

11.01.2014 to 31.03.2014 5 5

Sh. S.P.S.Virk–Workmen Employee Director 15.07.2013 to 14.01.2014 13 13

4.2. Audit Committee of Board (ACB):The Bank, in consonance with the fundamentals of Corporate Governance and in pursuance of directives of the Reserve Bank of India, has constituted an Audit Committee of the Board. A Non-Executive Director, who is a Chartered Accountant, is the Chairman of the Committee.

The composition of the Committee as on 31st March, 2014 is as under:



1½ Jh egs”k dqekj xqIrk & lunh ys[kkdkj funs”kd ¼v/;{k½

2½ Jh ds-dslk¡lh & dk;Zdkjh funs”kd

3½ Jh ,e-ds-tSu & dk;Zdkjh funs”kd

4½ Jh ,l-lh-nkl & foRr&ea=ky; }kjk ukfer funs”kd

5½ Jh ih-ds-tsuk & Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd

6½ Jh latho dqekj vjksM+k & xSj&vkf/kdkfjd funs”kd

foRrh; o"kZ 2013&14 ds nkSjku fuEukafdr frfFk;ksa dks ys[kk&ijh{kk lfefr us 08 ekSdksa ij feydj cSBdksa dk vk;kstu fd;k%17-04-2013 01-05-2013 27-07-2013 03-09-2013 11-11-2013 07-12-2013 28-01-2014 26-02-2014

lfefr dh vk;ksftr cSBdksa esa funs'kdksa dh muds lacaf/kr dk;Zdky ds nkSjku mifLFkfr dk C;kSjk fuEukuqlkj gS%

1- Jh lq[ksu iky ccwrk l-ys[kk-

fnukad 20-12-2013 rd v/;{k

01-04-2013 ls 20-12-2013 6 6

2- Jh ih-ds-vkuan&Hkw-iw-&dk;Zdkjh funs”kd 01-04-2013 ls 31-05-2013 2 2

3- Jh ds-ds-lk¡lh&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 5 5

4- Jh ,e-ds-tSu&dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 5 5

5- Jh ,l-lh-nkl&foRr&ea=ky; }kjk ukfer funs”kd 22-10-2013 ls 31-03-2014 4 3

6- Jh jtr lPpj&foRr&ea=ky; }kjk ukfer funs”kd 01-04-2013 ls 21-10-2013 4 4

7- Jh ch-ih-dkuwuxks&Hkk-fj-cSad }kjk ukfer funs”kd 01-04-2013 ls 30-05-2013 2 0

8- Jh ih-ds-tsuk&Hkk-fj-cSad }kjk ukfer funs”kd 31-05-2013 ls 31-03-2014 6 4

9-Jh egs”k dqekj xqIrk &xSj- vf/kdkfjd funs'kd

¼fnukad 21-12-2013 ls v/;{k ½05-03-2013 ls 31-03-2014 8 6

10- Jh latho dqekj vjksM+k&xSj- vf/kdkfjd funs'kd 21-12-2013 ls 31-03-2014 2 2

vU; ckrksa ds lkFk&lkFk ys[kk&ijh{kk lfefr dk izeq[k dk;Z cSad dh foRrh; lwpuk iz.kkyh dh leh{kk vkSj vkdyu djuk gS rkfd ;g lqfuf”pr gks lds fd foRrh; foojf.k;k¡ lgh] mi;qDr vkSj fo”oluh; gSaA ;g lfefr bls cksMZ dks izLrqr djus ls igys frekgh@okf’kZd foRrh; foojf.k;ksa dh izca/ku ds lkFk leh{kk djrh gSA

ys[kk&ijh{kk lfefr fn”kk&funsZ”k nsrh gS RkFkk cSad ds lexz ys[kk&ijh{kk dk;ksZa dh leh{kk djrh gS ftlesa laxBu ifjpkyu rFkk vkarfjd ys[kk&ijh{kk dh xq.koRrk fu;a=.k] dk;Z vkarfjd fu;a=.k nks’k vkSj cSad dh vkarfjd fujh{k.k O;oLFkk] cSad dh lkafof/kd o ckg~; ys[kk&ijh{kk laca/kh vuqorhZ dkjZokbZ rFkk Hkkjrh; fjt+oZ cSad ds fujh{k.k lfEefyr gSaA

lfefr vkarfjd fu;a=.k iz.kkyh] vakrfjd ys[kk&ijh{kk foHkkx dh lajpuk] bldh LVkQ lajpuk dh leh{kk Hkh djrh gS vkSj fdlh egRoiw.kZ [kkst ds laca/k esa vkarfjd ys[kk&ijh{kdksa@fujh{kdksa ds lkFk fopkj&foe”kZ rFkk ml ij vuqorhZ dkjZokbZ djrh gSA ;g cSad dh foRrh; o tksf[k+e izca/ku uhfr;ksa dh Hkh leh{kk djrh gSA


Punjab & Sind Bank

1 Sh Mahesh Kumar Gupta - CA Director (Chairperson)

2 Sh K.K. Sansi – Executive Director

3 Sh M.K.Jain – Executive Director

4 Sh S C Das – MOF Nominee Director

5 Sh P. K.Jena – RBI Nominee Director

6

During the Financial Year 2013-14, the Audit Committee of the Board (ACB) met on 08 occasions on the dates given below:

17.04.2013 01.05.2013 27.07.2013 03.09.2013 11.11.2013 07.12.2013

28.01.2014 26.02.2014

The details of attendance of the Directors at the Meetings of the Committee held during their respective tenure are as under:

Sr. No

Name of the Director Period Meeting held during their

tenure

Meeting attended

1.Sh Sukhen Pal Babuta CA

Chairperson upto 20.12.201301.04.2013 to 20.12.2013 6 6

2. Sh P.K. Anand - Ex.ED 01.04.2013 to 31.05.2013 2 2

3. Sh. K K Sansi - ED 05.08.2013 to 31.03.2014 5 5

4. Sh. M K Jain - ED 05.08.2013 to 31.03.2014 5 5

5. Sh. S C DAS-MoF Nominee Director 22.10.2013 to 31.03.2014 4 3

6. Sh Rajat Sachar – MoF Nominee Director 01.04.2013 to 21.10.2013 4 4

7. Sh B.P. Kanungo - RBI Nominee Director 01.04.2013 to 30.05.2013 2 0

8. Sh P.K.Jena- RBI Nominee Director 31.05.2013 to 31.03.2014 6 4

9. Sh Mahesh Kumar Gupta (Chairperson w.e.f. 05.03.2013 to 31.03.2014 8 6

10. 21.12.2013 to 31.03.2014 2 2

The Audit Committee provides directions and oversees the operations of total audit functions of the Bank including the organization, operation and quality control of internal audit, internal control weaknesses and inspection within the Bank and follow-up of the suggestions of Statutory/External audit of the Bank and RBI inspections.

The Committee also reviews the adequacy of internal control systems, structure of internal audit department, its



lkafof/kd ys[kk&ijh{kk ds lanHkZ esa ys[kk&ijh{kk lfefr] okf’kZd@frekgh foRrh; [kkrksa ,oa fjiksVksZa dks vafre :i nsus ls iwoZ dsanzh; lkafof/kd ys[kk&ijh{kdksa ds lkFk fopkj&foe”kZ djrh gSA ;g lfefr yk¡x QkeZ vkWfMV fjiksVZ ¼,y-,Q-,-vkj-½ dh fofHkUu enksa ij vuqorhZ dkjZokbZ Hkh djrh gSA

4-3 cM+h jkf'k ds /kks[kk/kM+h ekeyksa dh fuxjkuh lfefr %

Hkkjrh; fjt+oZ cSad us vius fnukad 14 tuojh] 2004 ds i= la- vkjchvkbZ@2004-5-Mhch,l-,Qthoh ¼,Q½ ua-1004@23-04-01,@2003&4 ds ek/;e ls /kks[kk/kM+h ds fofHkUu igyqvksa tSls /kks[kk/kM+h irk yxkus] fu;ked rFkk izorZu ,tsafl;ksa dks mudh lwpuk iznku djus vkSj /kks[kk/kM+h ds vijk/kh ij d`R; ds fo:) dkjZokbZ vkfn ds ckjs esa foyac ls lwfpr fd;k FkkA vr% ;g lq>ko fn;k x;k fd cksMZ dh ,d milfefr xfBr dh tk, tks fd dsoy 1 djksM+ :i, vkSj mlls Åij dh jkf”k dh /kks[kk/kM+h laca/kh ekeyksa dh fuxjkuh rFkk vuqorhZ dkjZokbZ dk gh dk;Z djsxhA cksMZ dh ys[kk- ijh{kk lfefr lkekU;r% /kks[kk/kM+h ds lHkh ekeyksa dh fuxjkuh tkjh j[ksxhA

Lkfefr ds eq[; dk;¨Z esa vU; ckrä ds LkkFk&LkkFk 1 dj¨M+ :i, v©j mLkds Åij dh jkf'k dh /k¨[kk/kM+h dh fuxjkuh rFkk Lkeh{kk LkfEefyr gS rkfd%

d- /k¨[kk/kM+h ds vkijkf/kd ÑR; esa Á.kkyhxr [kkfe;ä dk irk yxkus v©j mu ij fu;a=.k djus ds mik; fd, tk LkdsA

[k- /k¨[kk/kM+h ds ckjs esa irk yxkus esa foyac ds dkj.kä dh igpku rFkk cSad ,oa Òkjrh; fjt+oZ cSad ds mPp Áca/kdä d¨ mLkdh fji¨ÉVxA

x- LkhchvkbZ@iqfyLk tkap&iM+rky dh Áxfr rFkk oLkwyh dh fLFkfrA

?k- LkqfuÜfpr djuk fd /k¨[kk/kM+h ds LkÒh ekeyä esa LkÒh Lrjä ij LVkQ mŸkjnkf;Ro dk ijh{k.k g¨ v©j LVkQ ij dkjZokbZ ;fn visf{kr g¨ r¨ vfoyac gÄ

M- /k¨[kk/kM+h dh iqujko`fŸk ds fuokj.k gsrq dh xbZ mipkjkRed dkjZokbZ dh ÁÒko¨Rikndrk dh Lkeh{kk ;Fkk vkarfjd fu;a=.k d¨ Lk'kä djuk ,oa

p- /k¨[kk/kM+h ds f[kykQ fuokjd mik;ä d¨ Lk'kä djus gsrq ;FkkoÜ;d vU; mik;ä d¨ djukA

N- funs'kd eaMy ds ikap LknL;ä dh xfBr fo'ks"k Lkfefr esa( ¼d½ v/;{k ,oa Áca/k funs'kd ¼[k½

,Lkhch ds n¨ LknL; ¼x½ Òkjrh; fjt+oZ cSad ds ukfer d¨ 'kkfey ugha djrs gq,] 2 vU; LknL;ä dk Lkekos'k gSA

31 ekpZ] 2014 dks lfefr dh ljapuk fuEukuqlkj gS %

1½ Jh tfranjchj flag& v/;{k ,oa izca/k funs”kd

2½ Jh ,l-lh-nkl & foRRk&ea=ky; }kjk ukfer funs”kd

3½ Jh lq[ksu iky ccwrk & xSj&vkf/kdkfjd funs”kd

4½ Jh egs”k dqekj xqIrk & xSj&vkf/kdkfjd funs”kd

5½ Jh lat; oekZ & xSj&vkf/kdkfjd funs”kd

o’kZ 2013&14 ds nkSjku lfefr dh 3 cSBdsa vk;ksftr dh xbZ ftudk fooj.k fuEukuqlkj gS %

14-06-2013 25-09-2013 21-12-2013

funs”kdksa ds muds dk;Zdky ds nkSjku mifLFkfr dk fooj.k bl izdkj gS%

Jh Mh-ih-flag&Hkw-iw-&v/;{k ,oa izca/k funs”kd 01-04-2013 ls 31-01-2014 3 3

Jh tfranjchj flag&v/;{k ,oa izca/k funs”kd 04-02-2014 ls 31-03-2014 0 0

Jh jtr lPpj&foRr&ea=ky; ukfer funs”kd 01-04-2013 ls 21-10-2013 2 1

Jh ,l-lh-nkl&foRr&ea=ky; ukfer funs”kd 22-10-2013 ls 31-03-2014 1 1


Punjab & Sind Bank

/ Year to date / Annual Financial Results and Reports. It also maintains follow up on various issues raised in the Long Form Audit Report (LFAR).

Reserve Bank of India vide its letter No.RBI/2004.5.DBS.FGV(F)No.1004/23.04.01A/2003-4 dated 14th January, 2004 informed about the delay in various aspects of frauds like detection, reporting to regulatory and enforcement agencies and action against the perpetrators of the frauds. It was therefore, suggested to constitute a Sub-committee of the Board, which would be exclusively dedicated to monitor and follow up of fraud cases of Rs.1.00 crore and above. The Audit Committee of the Board will continue to monitor all the cases of frauds in general.

The major functions of the Committee, inter-alia, include monitoring and review of all the frauds of Rs.1.00 crore and above so as to:

(a) Identify the systemic lacunae if any that facilitated perpetration of the fraud and put in place measures to plug the same

(b) Identify the reasons for delay in detection, if any, reporting to top management of the Bank and RBI

(c) Monitor progress of CBI/Police investigation and recovery position

(d) Ensure that staff accountability is examined at all levels in all the cases of frauds and staff side action, if required, is completed quickly without loss of time

of internal controls; and

(f) Put in place other measures as may be considered relevant to strengthen Preventive measures against frauds.

and Managing Director (b) Two members from ACB and (c) Two other members from the Board excluding RBI Nominee.


(i) Shri Jatinderbir Singh- CMD

(ii) Shri S C Das – MOF Director

The Committee met three times during the Financial Year 2013-14 as per the details below:

14.06.2013 25.09.2013 21.12.2013

The details of attendance of directors during their tenure are as under:

Name of the Director Period

Meetings held during their

tenure

Meetings attended

Shri D.P. Singh-Ex.CMD 01.04.2013 to 31.01.2014 3 3

Shri Jatinderbir Singh-CMD 04.02.2014 to 31.03.2014 0 0

Shri Rajat Sachar – M.O.F. Nominee Director 01.04.2013 to 21.10.2013 2 1

Shri S C Das – M.O.F. Nominee Director 22.10.2013 to 31.03.2014 1 1



Jh lq[ksu iky ccwrk&XkSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 3 3

Jh egs”k dqekj xqIrk&XkSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 3 3

Jh djuiky flag ls[kksa&XkSj&vkf/kdkfjd funs”kd 01-04-2013 ls 04-07-2013 1 1

Jh lat; oekZ&XkSj&vkf/kdkfjd funs”kd 11-11-2013 ls 31-03-2014 1 1

vHkh dqN gh le; iwoZ] Òkjrh; fjt+oZ cSad us vius i= fnukad 16-09-2009 Lka- Mhch,Lk-Lkhv¨-,Qvkj,eLkh- ua- 7@23-04-001@2009&10 }kjk Lkwfpr fd;k gS fd /k¨[kk/kM+h ds ekeyä esa vkoÜ;d dkjZokbZ djus gsrq ÁÒkoh tkap dh tk, v©j bLkdh rqjar Lkwpuk Lkgh Ákf/kdkjh d¨ nh tk,A Òkjrh; fjt+oZ cSad dh Lkykg ij] cSad us Á/kku dk;kZy; fujh{k.k foÒkx ds varxZr~ 1 dj¨M+ :i, v©j mLkLks Åij ds ekeyä dk fo'ks"k dk;Z djus gsrq dsaæh; Lk?ku ifjpkyu bdkbZ dh LFkkiuk dh gSA

fnukad 12-12-2012 ds cksMZ ladYi la[;k 20214 ds vuqlkj ,d Lora= u, foHkkx ^/kks[kk/kM+h fuxjkuh foHkkx* fnukad 07-02-2013 ls ,d LFkku ij dk;Z dj jgk gS rkfd fd, iz;klksa esa fdlh izdkj dh vksojySfiax ;k MqIyhflVh u gks ldsA iwoZ esa /kks[kk/kM+h ds ekeyksa dh nks LFkkuksa ij fuxjkuh dh tkrh Fkh vFkkZr+~ :- 1 djksM+ ,oa mlls Åij ds ekeyksa dks iz/kku dk;kZy; fujh{k.k foHkkx tcfd 1 djksM+ :- ls de dh jkf”k ds ekeyksa dh fuxjkuh iz/kku dk;kZy; lrdZrk foHkkx }kjk dh tkrh FkhA u, izko/kku ls /kks[kk/kM+h ds ekeyksa dh ut+nhd ls fuxjkuh] /kks[kk/kM+h ds iqjkus ekeyksa ij rqjar dkjZokbZ] izHkkoh vuqorhZ dkjZokbZ ds lkFk ckj&ckj gksus okyh /kks[kk/kM+h dks jksdus gsrq fujks/kkRed mik;k fd, tkus ds lkFk&lkFk Hkkjrh; fjt+oZ cSad dks le; ls /kks[kk/kM+h dh lwpuk nh tk ldsxhA

cksMZ dh fo”ks’k lfefr¼,l-lh-ch-½ ds funsZ”kksa ds vuqlkj] /kks[kk/kM+h ds ekeyksa esa gks jgh o`f) ds dkj.k fo”ks’kdj tgk¡ laifRrdks izfrHkwfr ds :i esa j[kk tkrk gS] ,d lfefr dk xBu fd;k x;k gSA laifRr dk ewY;kadu] gd foys[k dh okLrfodrk vkSj cgqfo/k ca/khdj.k ,sls igpkus x, Hks+| {ks= gSaA

4-4 lrdZrk lfefr%

foŸk ea=ky; ds i= fnukad 24-10-1990 Lka- 10@12@90@fot@Lkhohv¨ dh 'kr¨Z ds vuq:i] cSad us LkrdZrk Lkaca/kh dk;¨Za dh Lkeh{kk ds –f"Vd¨.k Lks] LkrdZrk vuq'kkLku Lkaca/kh ekeyä ds rqjar fuiVku gsrq ÁÒkoh fuxjkuh v©tkj ds :i esa c¨MZ dh Lkfefr dk fuEu LknL;ä ds LkkFk xBu fd;k gSA

Jh tfranjchj flag& v/;{k ,oa Áca/k funs'kd

Jh ds-ds-lk¡lh& dk;Zdkjh funs'kd

Jh ,e-ds-tSu& dk;Zdkjh funs”kd

Jh ,l-lh-nkl& foRr&ea=ky; funs”kd

Jh ih-ds-tsuk& Hkk-fj-cSad ukfer funs”kd

14-06-2013 19-08-2013 21-12-2013 28-01-2014

lfefr dh vk;ksftr cSBdksa esa funs'kdksa dh muds lacaf/kr dk;Zdky ds nkSjku mifLFkfr dk C;kSjk fuEukuqlkj gS%

Jh Mh-ih-flag& Hkw-iw-&v/;{k ,oa Áca/k funs'kd 01-04-2013 Lks 31-01-2014 4 4


Punjab & Sind Bank


Meetings held during their

tenure

Meetings attended

01.04.2013 to 31.03.2014 3 3

01.04.2013 to 31.03.2014 3 3

01.04.2013 to 04.07.2013 1 1

11.11.2013 to 31.03.2014 1 1

RBI, vide letter No. DBS. CO. FrMC. No. 7/23.04.001/2009-10 dated 16.09.2009 had advised to initiate necessary action in respect of effective investigation in fraud cases and prompt reporting to appropriate authority. The Bank has since then set up a Centralized Dedicated Operating Unit under the aegis of HO Inspection Department to undertake distinct functions relating to frauds above Rs. 1.00 crore as advised by RBI.

In terms of Board Resolution no. 20214 dated 12.12.2012, a new independent Deptt named ‘Fraud Monitoring Department’ has been working since 07.02.2013 at one place, leaving no scope to overlapping and duplicity of effort. Earlier, fraud cases were dealt at two places viz the large value fraud of Rs. one crore & above at HO. Inspection Deptt, where as frauds below the amount of Rs. one crore were being dealt by HO. Vigilance Deptt. The new set up resulted in close monitoring of fraud cases, faster closure of old fraud cases, effective follow up and implementation of preventive measures to check the recurrence of frauds alongwith improvement in timely reporting of frauds to RBI.

In terms of the directions of Special Committee of Board (SCB), a Committee has also been formed in view of

areas are valuation of property, genuineness of the title deeds and multiple mortgages.

With a view to make the review of vigilance work an effective instrument of monitoring the speedy disposal of vigilance disciplinary cases, a Vigilance Committee of the Board has been set up in the Bank in terms of Ministry of Finance letter No.10/12/90/VIG/CVOs dated 24.10.1990 with following members:

1. Shri Jatinderbir Singh- CMD

2. Shri K.K. Sansi – Executive Director

3. Shri M.K. Jain – Executive Director

4. Shri S.C.Das- M.O.F. Nominee Director

5. Shri P.K.Jena - RBI Nominee Director

The Committee met on the following dates during the FY – 2013-14

14.06.2013 19.08.2013 21.12.2013 28.01.2014


Name of the Director Period Meetings held during their tenure

Meetings attended

Shri D.P. Singh –Ex.CMD 01.04.2013 to 31.01.2014 4 4

Shri Jatinderbir Singh–CMD 04.02.2014 to 31.03.2014 0 0



Jh tfranjchj falag& v/;{k ,oa izca/k funs”kd 04-02-2013 Lks 31-03-2014 0 0

Jh ih-ds-vkuan& Hkw-iw-&dk;Zdkjh funs”kd 01-04-2013 Lks 31-05-2013 0 0

Jh ds-ds-lk¡lh& dk;Zdkjh funs'kd 05-08-2013 Lks 31-03-2014 3 3

Jh ,e-ds-tSu& dk;Zdkjh funs”kd 05-08-2013 Lks 31-03-2014 3 3

Jh jtr lPpj& foRr&ea=ky; ukfer funs”kd 01-04-2013 Lks 21-10-2013 2 2

Jh ,l-lh-nkl& foRr&ea=ky; ukfer funs”kd 22-10-2013 Lks 31-03-2014 2 2

Jh ih-ds-tsuk& Hkk-fj-cSad ukfer funs'kd 31-05-2013 Lks 31-03-2014 4 2

cSad us LkeLr t¨f[k+e a dh Lkeh{kk ,oa ewY;kadu djus ds fy, c¨MZ Lrj dh t¨f[k+e Áca/ku Lkfefr dk xBu fd;k gSA

Lkfefr eq[; rhu t¨+f[ke fØ;kvksa tSLks _.k t¨f[ke] cktkj t¨f[k+e ,oa ifjpkyu t¨f[k+e dh Lkeh{kk djrh gS v©j fo"k; ij Lkeqfpr fopkj djrh gS ,oa ;fn vko”;d g¨ r¨ Lkgh funsZ'k t+kjh djrh gSA

fnukad 31 ekpZ] 2014 d¨ Lkfefr dh Lkajpuk fuEukuqlkj gS%



3½ Jh ds-dslk¡lh & dk;Zdkjh funs”kd

4½ Jh latho dqekj vjksM+k& xSj&vkf/kdkfjd funs”kd

5½ Jh ,u-jktsUnzu& xSj&vkf/kdkfjd funs”kd

6½ Jh lat; oekZ & xSj&vkf/kdkfjd funs”kd

foRrh; o’kZ 2013&14 ds nkSjku fuEufyf[kr frfFk;ksa dks cSBdsa gqbZ %

lfefr dh vk;ksftr cSBdksa esa funs'kdksa dh muds lacaf/kr dk;Zdky ds nkSjku mifLFkfr dk C;kSjk fuEukuqlkj gS





Jh ih-ds-vkuan&Hkw-iw-&dk;Zdkjh funs”kd 01-04-2013 Lks 31-05-2013 0 0

Jh latho dqekj vjksM+k& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 4 4


Punjab & Sind Bank

Shri P.K. Anand– Ex.ED 01.04.2013 to 31.05.2013 0 0

Shri K.K.Sansi– ED 05.08.2013 to 31.03.2014 3 3

Shri M.K.Jain– ED 05.08.2013 to 31.03.2014 3 3

Shri Rajat Sachar– MOF Nominee Director 01.04.2013 to 21.10.2013 2 2

Shri S.C.Das– MOF Nominee Director 22.10.2013 to 31.03.2014 2 2

Shri P.K.Jena– RBI Nominee Director 31.05.2013 to 31.03.2014 4 2

4.5. Risk Management Committee: The Bank has constituted a Board level Risk Management Committee to review and evaluate the overall risks assumed by the Bank.

The Committee reviews three important risk functions viz. Credit Risks, Market Risks and Operational Risks and takes an integrated view of the subject and impart suitable directions if required.


1. Shri Jatinderbir Singh- Chairman & Managing Director

2. Shri M.K.Jain – Executive Director

3. Shri K.K.Sansi – Executive Director

4.

5.

6.


14.06.2013 25.09.2013 21.12.2013 16.01.2014



Meetings held during their tenure

Meetings attended

Shri D.P. Singh-Ex.CMD 01.04.2013 to 31.01.2014 4 4

Shri Jatinderbir Singh-CMD 04.02.2014 to 31.03.2014 0 0

Shri K.K.Sansi-ED 05.08.2013 to 31.03.2014 3 3

Shri M.K.Jain-ED 05.08.2013 to 31.03.2014 3 3

Shri P.K. Anand-Ex.ED 01.04.2013 to 31.05.2013 0 0

01.04.2013 to 31.03.2014 4 4

01.04.2013 to 31.03.2014 4 4



Jh ,u jktsUnzu & xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 4 4

Jh lat; oekZ& xSj&vkf/kdkfjd funs”kd 11-11-2013 ls 31-03-2014 2 2

Jh djuiky flag ls[kksa& xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 04-07-2013 1 1

cSad us ,d okLrfod t¨f[ke Áca/ku ds <k¡ps dk xBu fd;k gS ftLkesa t¨f[ke Áca/ku LkaxBu <+kpk] t¨f[ke fLk)kar] t¨f[ke fu;a=.k ,oa t¨f[ke ys[kk ijh{k.k LkfEefyr gSa t¨ fd LkÒh _.k t¨f[ke] cktkj t¨f[ke ,oa ifjpkyu t¨f[ke vkfn d¨ igpkuus] Áca/ku] fuxjkuh djus ds –f"Vd¨.k Lks gSA bLkds ihNs ewy y{; ;g LkqfuÜfpr djuk gS fd cSad ds ifjpkyu esa LFkkf;Ro ,oa dk;Z{kerk cuh jgs v©j cSad ds fgrä dh Lkqj{kk dh ns[k&Òky g¨rh jgsA

4-6 xzkgd Lksok Lkfefr%

¼d½ c¨MZ dh xzkgd Lksok Lkfefr%

cSad us c¨MZ dh ,d mi Lkfefr dk xBu fd;k gS t¨ fd ^c¨MZ dh xzkgd Lksok Lkfefr* ds uke Lks tkuh tkrh gSA 31 ekpZ] 2014 d¨ Lkfefr ds fuEu LknL; gSaA

Jh tfranjchj flag& v/;{k ,oa Áca/k funs'kd



Jh ,l-ih-,l-fodZ& dkexkj funs”kd

Jh lqjs”k Bkdqj& xSj&vkf/kdkfjd funs”kd

Lkfefr ds dk;¨Z esa xzkgd Lksokvksa dh xq.koŸkk d¨ csgrj cukus ds fy, Lkq>ko rFkk uoÜes"kh mik;ä ds fy, IysVQkeZ dk Lk`tu djuk rFkk LkÒh LkaoxZ ds xzkgdä gsrq Lkarqf"V ds Lrj esa Lkq/kkj djuk 'kkfey gS ftLkesa fuEufyf[kr dk Lkekos'k gS%

1- ;g lfefr xzkgd Lksok ij 'kh"kZLFk Lkfefr ds :i esa dk;Z djrh gS v©j LkkoZtfud Lksokvksa dh ÁfØ;k ,oa ys[kk&ijh{kk dk;Z&fu"iknu Lkaca/kh LFkk;h Lkfefr ds dk;äZ dh ns[k&js[k djuk rFkk yksd lsokvksa dh izfd;k ,oa fu"iknu dh laijh{kk dh lfefr ¼lhihih,ih,l½ dh fLkQkfj'kä ds vuqikyu d¨ Lkqfuf'pr djukA

2- vf/kfu.kZ; dh rkjh[k Lks rhu eghus Lks vf/kd vof/k ds chr tkus ij Òh ykxw u fd, x, 'ks"k vf/kfu.kZ;ä rFkk cSaÇdx y¨diky }kjk cSaÇdx Lksok,a Ánku djus esa ikbZ xbZ dfe;ä dh fLFkfr dh Lkeh{kk djukA

3- xzkgd Lksok esa xq.koŸkk esa o`f) ykus gsrq uoÜes"kh mik; djuk v©j LkÒh Lrjä ij xzkgd Lkarqf’V esa Lkq/kkj djukA

27-07-2013 11-11-2013





Punjab & Sind Bank

11.11.2013 to 31.03.2014 2 2

01.04.2013 to 04.07.2013 1 1

The Bank has set up an appropriate risk management architecture, comprising Risk Management Organizational Structure, Risk Principles, Risk Processes, Risk Control and Risk Audit, all with a view to ideally identify, manage, monitor and control various categories of risks, viz. Credit Risk, Market Risk and Operational Risk, etc. The

after the safety of the Bank.

4.6 Customer Service Committee:(a) Customer Service Committee of the Board

The Bank has constituted a sub-committee of Board, known as ‘Customer Service Committee of the Board’. The Committee has the following members as on 31st March, 2014:

1. Shri. Jatinderbir Singh-Chairman & Managing Director

2. Shri K.K. Sansi – Executive Director


4. Shri S.P.S. Virk – Workmen Director

5.

The functions of the Committee include creating a platform for making suggestions and innovative measures for enhancing the quality of customer service and improving the level of satisfaction for all categories of clientele at all times, which inter-alia comprises the following:

i. Act as apex Committee on Customer Service and oversees the functioning of the Standing Committee on Customer Service and also compliance with the recommendations of the Committee on Procedure and Performance Audit on Public Service (CPPAPS).

ii. Review the status of the Awards remaining unimplemented for more than 3 months from the date of Awards

iii. Mount innovative measures for enhancing the quality of customer service and improving level of customer satisfaction for all categories of clientele.

During the Financial Year 2013-14, the Committee met on the following dates:

27.7.2013 11.11.2013

The details of attendance of the Directors are as under:

Name of the Director Period Meetings held during the period of their

tenure

Meetings attended

Shri D.P. Singh - Ex.CMD 01.04.2013 to 31.01.2014 2 2

Shri Jatinderbir Singh - CMD 04.02.2014 to 31.03.2014 0 0

Shri K.K. Sansi - ED 05.08.2013 to 31.03.2014 1 1





Jh ,l-ih-,l-fodZ& dkexkj deZpkjh funs”kd 01-04-2013 ls 31-03-2014 2 2

Jh lqjs”k Bkdqj & xSj&vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 2 1

Òkjrh; fjt+oZ cSad ds fn'kkfunsZ'kkuqLkkj] cSad ds funs'kdä dh xfBr mi Lkfefr ds vfrfjä xzkgd Lksokvksa ij ,d LFkk;h Lkfefr dk xBu fd;k x;k gS ftLkesa cSad ds 2 egkÁca/kd ,oa Lkekt ds 3 vU; Áfrf"Br O;fä LknL;ä ds :i esa LkfEefyr gSaA cSBd dh v/;{krk] cSad ds dk;Zdkjh funs'kd }kjk dh tkrh gSA

Lkfefr ds eq[; dk;Z gSa&

1- cSad }kjk xzkgd dsafær mik;ä ij fopkj djukA

2- vkapfyd dk;kZy;ä Lks tkudkjh ÁkIr dj] mLk d¨ c¨MZ dh xzkgd Lkfefr ds Lke{k vko';d uhfr@ÁfØ;kRed dkjZokbZ djus gsrq ÁLrqr djuk ftLkLks g¨ jgs ifjorZuä dh Lkqfo/kk nh tk LkdsA

Òkjr Lkjdkj us viuh vf/kLkwpuk fnukad 09 ekpZ] 2007 Lka[;k ,Q ua-20@1@2005&chv¨- I }kjk LkkoZtfud {ks= ds cSadä ds iw.kZdkfyd funs'kdä ds fy, dk;Zfu"iknu Lkacaf/kr Á¨RLkkgu dh ?k¨"k.kk dh gSA ;g Á¨RLkkgu foxr o"kZ ds n©jku fofÒé vuqikyuk fji¨VäZ ij vk/kkfjr y{;ä ,oa csapekdZ ds vuq:i dk;Z&fu"iknu ewY;kadu ftLkesa xq.koŸkk ,oa ek=k] nüä dk Lkekos'k gS] ij vk/kkfjr gSA mä fn'kk&funsZ'kä ds vuqikyu esa o"kZ ds n©jku dk;Z&fu"iknu ds ewY;kadu ,oa ns;@vokMZ gsrq Òqxrku dh tkus okyh Á¨RLkkgu jkf'k ds fy, funs'kd eaMy dh ikfjJfed Lkfefr dk xBu fd;k x;k gSA

31-03-2014 d¨ orZeku Lkfefr dh Lkajpuk bLk Ádkj gS%

Jh ,l-lh-nkl& foŸk ea=ky; }kjk ukfer

Jh ih-ds-tsuk& Òk-fj-cSad }kjk ukfer funs'kd

Jh lq[ksu iky ccwrk & xSj&vf/kdkfjd funs'kd

Jh lat; oekZ & xSj&vf/kdkfjd funs'kd

4-8 'ks;j/kkjdä@fuos’kdä dh f’kdk;r fuokj.k Lkfefr

cSad us 'ks;j/kkjdä ,oa fuos'kdä dh f'kdk;rksa] ;fn d¨bZ gks] ds fuokj.k ds fy, 'ks;j/kkjd@fuos'kd f'kdk;r fuokj.k Lkfefr dk xBu fd;k gSA

31 ekpZ] 2014 d¨ Lkfefr dh Lkajpuk fuEukuqlkj gS%

1- Jh lq[ksu iky ccwrk] xSj vkf/kdkfjd funs'kd &v/;{k

2- Jh tfranjchj flag] v/;{k ,oa Áca/k funs'kd &lnL;

3- Jh ,e-ds-tSu] dk;Zdkjh funs'kd & LknL;

4- Jh ,u jktsUnzu & xSj vkf/kdkfjd funs'kd & LknL;

foRrh; o’kZ 2013&14 esa lfefr dh fuEufyf[kr frfFk;ksa dks cSBdsa gqbZ %



Punjab & Sind Bank

Shri M.K. Jain - ED 05.08.2013 to 31.03.2014 1 1

Shri P.K. Anand - Ex.ED 01.04.2013 to 31.05.2013 0 0

Shri S.P.S. Virk – Workmen Employee Director 01.04.2013 to 31.03.2014 2 2

01.04.2013 to 31.03.2014 2 1

(b) Standing Committee on Customer Service:

Besides, the Sub Committee of the Board as aforesaid, the Bank has also set up a Standing Committee on Customer Service having two General Managers of the Bank and three other eminent public personalities as members, as per the guidelines of Reserve Bank of India. The Committee is chaired by the Executive Director of the Bank.

Main functions of the committee are:

(i) To take stock of the customer centric measures taken by the Bank.

for necessary Policy / Procedural action facilitate change on an ongoing basis.

4.7 Remuneration Committee: Government of India announced Performance Linked Incentives for Whole Time Directors of Public Sector Banks

of the said directives, a Remuneration Committee of the Board was constituted for evaluation of the performance and incentive amount to be awarded / paid during the year.

The composition of the present Committee as on 31st March, 2014 is as under:

1. Shri.S. C. Das, MOF Nominee Director

2. Shri P.K. Jena, RBI Nominee Director

The Shareholders’ / Investors’ Grievances Committee has been constituted to redress shareholders and investors complaints, if any.

The composition of the Committee as on 31st March 2014 is as under:

2. Shri Jatinderbir Singh, Chairman & Managing Director - Member

3. Shri M.K.Jain, Executive Director - Member


01.05.2013 27.07.2013 11.11.2013 28.01.2014




Jh lq[ksu iky ccwrk & v/;{k 01-04-2013 Lks 31-03-2014 4 4


Jh Mh-ih flag& Hkw-iw-&v/;{k ,oa Áca/k funs'kd 01-04-2013 Lks 31-01-2014 4 4

Jh ,e-ds-tSu&dk;Zdkjh funs'kd 05-08-2013 Lks 31-03-2014 2 2

Jh ,u jktsUnzu 01-04-2013 Lks 31-03-2014 4 3

Lkfefr fuos'kdä dh f'kdk;rä ds fuokj.k ds fy, Lke;c) :i Lks fuxjkuh djrh gSA o"kZ ds n©jku ÁkIr ,oa fuokj.k dh xbZ f'kdk;rä@fuosnuä dh Lka[;k dk Lkkjka'k fuEu Ádkj ls gS%

01-04-2013 d¨ yafcr o"kZ ds n©jku ÁkIr o"kZ ds n©jku fuokj.k 31-03-2014 d¨ yafcr

“kwU; 25 24 01

o’kZ 2013&14 ds var esa] fnukad 31-03-2014 dks ykHkka”k ls lacaf/kr ,d ekeyk lsch ds Ldksj iksVZy ij yafcr Fkk rFkk cSad }kjk dh xbZ dkjZokbZ dh fjiksVZ vkWu&ykbZu izsf'kr fd, tkus ds vk/kkj ij bls lsch }kjk fnukad 03-04-2014 can dj fn;k x;kA LVkWd ,Dlpsat ds lkFk lwphc) le>kSrs ds [kaM 47 ¼,½ ds rgr daiuh lfpo dks cSad ds vuqikyu vf/kdkjh* ds :i esa inLFk fd;k x;k gSA

4-9 ekuo lalk/ku fodkl lfefr

fofHkUu la?kksa ,oa laLFkkvksa ds lkFk ikjLifjd varfdzZ;k rFkk izxfr”khy ekuo lalk/ku ;kstukvksa dks izksRlkgu nsus ds fy, fnuakd 05-05-2012 ds cksMZ ladYi la[;k 19841 }kjk ekuo lalk/ku fodkl lfefr dk xBu fd;k x;k gSA v/;{k ,oa izca/k funs”kd] dk;Zdkjh funs”kd rFkk vU; lnL;ksa esa dksbZ ,d cSBd ds fy, dksje gSA cSBd frekgh esa de ls de ,d ckj rFkk tc Hkh vko”;drk gks] vk;ksftr dh tkrh gSA31 ekpZ] 2014 ds vuqlkj lfefr dh lajpuk fuEukuqlkj gS% 1½ Jh tfranjchj flag&vkbZ,,l&v/;{k ,oa izca/k funs”kd2½ Jh ,e-ds-tSu&dk;Zdkjh funs”kd&lnL;3½ Jh ds-ds-lk¡lh&dk;Zdkjh funs”kd&lnL;4½ Jh ,l-lh-nkl] foRr&ea=ky; }kjk ukfer funs”kd& lnL;5½ Jh latho dqekj vjksM+k& xSj vkf/kdkfjd funs”kd& lnL;

o’kZ 2013&14 ds nkSjku fuEufyf[kr frfFk;ksa dks lfefr dh cSBdsa gqbZ%

14-06-2013 25-09-2013 21-12-2013


Jh Mh-ih-flag& Hkw-iw-&v/;{k ,oa izca/k funs”kd 01-04-2013 ls 31-02-2014 3 3

Jh tfranjchj flaaaag&v/;{k ,oa izca/k funs”kd 04-02-2014 ls 31-03-2014 0 0


Jh ,e-ds-tSu& dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 2 2

Jh ds-ds-lk¡lh& dk;Zdkjh funs”kd 05-08-2013 ls 31-03-2014 2 2


Punjab & Sind Bank

Name of the Director PeriodMeetings held during

the period of their tenure

Meetings attended

Shri Sukhen Pal Babuta - Chairperson 01.04.2013 to 31.03.2014 4 4

Shri P.K. Anand - Ex.Executive Director 01.04.2013 to 31.05.2013 1 1

Shri D.P.Singh Ex.CMD 01.04.2013 to 31.01.2014 4 4

Shri M.K.Jain- Executive Director 05.08.2013 to 31.03.2014 2 2

Shri N Rajendran 01.04.2013 to 31.03.2014 4 3

The Committee monitors the redressal of investors’ complaints in a time bound manner. The summary of number of requests/complaints received and resolved during the year are as under

Pending as on 01.04.2013 Received during the year Resolved during the year Pending as on 31.03.2014

NIL 25 24 01

One case pertaining to dividend, received on 31.03.2014 on SCORES portal of SEBI was outstanding at the end of the year 2013-14 and the same was closed by SEBI on 03.04.2014 on the basis of Action Taken Report submitted

47 (a) of the Listing Agreement with Stock Exchanges.

4.9 HR CommitteeThe HR Committee has been constituted vide BR No.19841 dated 05.05.2012 for promoting progressive HR plans and to have interaction with various unions and associations. CMD, ED and anyone among the other members is the quorum for meeting. Meeting may be held as and when required but at least once in a quarter.


1. Shri Jatinderbir Singh –IAS-Chairman & Managing Director 2. Shri M.K. Jain - Executive Director - Member3. Shri K.K. Sansi - Executive Director - Member4. Shri S C Das , MOF Nominee Director-Member

The Committee met on the following dates during the Financial Year 2013-14\

14.06.2013 25.09.2013 21.12.2013


Name of the Director PeriodMeetings held during the

period of their tenureMeetings attended

Shri D.P. Singh- Ex.CMD 01.04.2013 to 31.01.2014 3 3

Shri Jatinderbir Singh-Chairman & Managing Director

04.02.2014 to 31.03.2014 0 0


Shri M.K. Jain - Executive Director 05.08.2013 to 31.03.2014 2 2

Shri K.K. Sansi - Executive Director 05.08.2013 to 31.03.2014 2 2



Jh jtr lPpj&foRr&ea=ky; }kjk ukfer funs”kd 01-04-2013 ls 21-10-2013 2 1

Jh ,l-lh-nkl&foRr&ea=ky; }kjk ukfer funs”kd 22-10-2013 ls 31-03-2014 1 1

Jh latho dqekj vjksM+k& xSj vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 3 3

4-10 ukekadu lfefr %Hkkjrh; fjt+oZ cSad us cSafadax daiuh ¼midzeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@80 dh /kkjk 9¼3½ ¼i½ ds izko/kkuksa ds varxZr jk’Vªh;d`r cSadksa ds funs”kd eaMy esa funs”kd ds :i esa p;u gsrq fQV ,.M izkWij* ekunaM fu/kkZfjr fd, gSaA Hkkjrh; fjt+oZ cSad }kjk tkjh fn”kk&funsZ”kksa ds vuq:i ukekadu lfefr xfBr djuk visf{kr gS ftlesa funs”kd eaMy esa ls de ls de rhu funs”kd ¼lHkh Lora=@XkSj dk;Zikyd funs”kd½ “kkfey gksaA mDr fn”kk&funsZ”kksa dh vuqikyuk esa ,d ^ukekadu lfefr* dk xBu fd;k x;k gSA

4-11 cksMZ dh lwpuk izkS|ksfxdh dk;Zuhfr lfefr

lwpuk izkS|ksfxdh ds iz;klksa esa rhozrk ykus rFkk rduhdh ds vU; ykHk mBkus ds fy, fnukad 31-03-2014 dks cksMZ dh lwpuk izkS+|ksfxdh lfefr ds fuEufyf[kr lnL; gSa %

Jh ds-ds-lk¡lh& dk;Zdkjh funs”kd


Jh ,l-lh-nkl& foRr&ea=ky; }kjk ukfer funs”kd

Jh lat; oekZ& xSj vkf/kdkfjd funs”kd

Jh ,u jktsUnzu& xSj vkf/kdkfjd funs”kd& lfefr v/;{k

o’kZ 2013&14 ds nkSjku fuEufyf[kr frfFk;ksa dks lfefr dh cSBdsa gqbZ%

14-06-2013 25-09-2013 21-12-2013







Jh ,u jktsUnzu& xSj vkf/kdkfjd funs”kd 01-04-2013 ls 31-03-2014 3 3

Jh djuiky flag ls[kksa& xSj vkf/kdkfjd funs”kd 01-04-2013 ls 04-07-2013 1 1

Jh lat; oekZ& xSj vkf/kdkfjd funs”kd 11-11-2013 ls 31-03-2014 1 1


Punjab & Sind Bank

Shri Rajat Sachar-MOF Nominee Director 01.04.2013 to 21.10.2013 2 1

Shri S C Das-MOF Nominee Director 22.10.2013 to 31.03.2014 1 1

Director01.04.2013 to 31.03.2014 3 3

4.10 Nomination Committee:

directors on the Boards of the Nationalized Banks under the provisions of Section 9(3)(i) of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/80. In terms of the guidelines issued by Reserve Bank of India, a Nomination Committee is required to be constituted consisting of a minimum of three directors (all independent/non executive directors) from amongst the Board of Directors. In compliance of the said directives,

4.11 IT Strategy Committee of the Board

Board comprising of the following members is in place as on 31.03.2014.

1. Shri K.K. Sansi - Executive Director

2. Shri M.K. Jain - Executive Director

3. Shri S.C.Das - M.O.F. Nominee Director

The Committee met on the following dates during the Financial Year 2013-14

14.06.2013 25.09.2013 21.12.2013









01.04.2013 to 31.03.2014 3 3

Shri Karanpal Singh Sekhon - Non- 01.04.2013 to 04.07.2013 1 1

Director11.11.2013 to 31.03.2014 1 1



4-12 dk;Zikydä dh inksUufr;ksa ij c¨MZ dh Lkfefr%

ofj"B Lrj ij inksUufr;ksa dk dk;Z ns[kus ds fy,] funs'kdä dh Lkfefr ftLkesa dk;Zdkjh funs'kd ¼v/;{k ,oa Áca/k funs'kd dh vuqifLFkfr esa½ v©j Òkjr Lkjdkj rFkk Òkjrh; fjt+oZ cSad ds ukfer funs'kdä dh Lkfefr dk xBu fd;k x;k gSA egkizca/kd ds in ds lk{kkRdkj ds fy, fnukad 19-04-2013 rFkk 29-03-2014 dks lfefr dh cSBdsa gqbZaA

31-03-2014 dks lfefr dh lajpuk fuEukuqlkj gS %


2½ Jh ,l-lh-nkl& foRr&ea=ky; }kjk ukfer funs”kd

3½ Jh ih-ds-tsuk& Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd

lfefr dh mDr cSBdksa esa funs”kdksa dh muds dk;Zdky ds vuqlkj mifLFkfr dk C;kSjk fuEukuqlkj gS %





Jh ch-ih-dkuwuxks& Hkk-fj-cSad }kjk ukfer funs”kd 01-04-2013 ls 30-05-2014 1 1

Jh ih-ds-tsuk& Hkk-fj-cSad }kjk ukfer funs”kd 31-05-2013 ls 31-03-2014 1 1

4-13 leh{kk@vihy izkf/kdj.k gsrq cksMZ dh lfefr %

mPp izca/ku Lrj ij vuq”kklu ls lacaf/kr ekeyksa dh vihy@leh{kk djus ds laca/k esa vihy@leh{kk izkf/kdkjh gsrq cksMZ dh ,d lfefr dk xBu fd;k x;k gSA fnUkkad 31-03-2014 ds vuqlkj ftlds lnL; fuEufyf[kr gSa %

1½ Jh ih-ds-tsuk & Hkkjrh; fjt+oZ cSad }kjk ukfer funs”kd


3½ Jh egs”k dqekj xqIrk & xSj vkf/kdkfjd funs”kd

4-14 olwyh dh fuxjkuh djus gsrq lfefr %

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx ds fnukad 21-11-2012 ds i= la[;k ,Q-ua- 7@112@2012ch-vks-,- ds funsZ”kkuqlkj] cSad dh olwyh dh izxfr dh fuxjkuh djus ds fy, funs”kdksa dh ,d lfefr] ftlesa v/;{k ,oa izca/k funs”kd] dk;Zdkjh funs”kd rFkk foRr&ea=ky; ds ukfer funs”kd “kkfey gS] dk xBu fd;k x;k gSA

31 ekpZ] 2014 ds vuqlkj lfefr dh lajpuk fuEukuqlkj gS %

1½ Jh tfranjchj flag] & v/;{k ,oa izca/k funs”kd


3½ Jh ds-ds-lk¡lh & dk;Zdkjh funs”kd



Punjab & Sind Bank

4.12 Committee of the Board on Executives’ Promotions: A Committee of Directors consisting of Executive Director (in the absence of CMD) and the nominee Directors of Government of India and Reserve Bank of India has been formed for dealing with the promotions at senior level. The Committee met on 19.04.2013 and 29.03.2014 for conducting interview for the post of General Managers. The composition of the Committee as on 31st March 2014 is as under:

1. Shri Jatinderbir Singh- Chairman & Managing Director2. Shri S.C.Das -MOF Nominee Director3. Shri P.K.Jena-RBI Nominee Director




Shri Jatinderbir Singh- Chairman & Managing Director

04.02.2014 to 31.03.2014 1 1

Shri. D.P.Singh-Ex - Chairman & Managing Director

01.04.2013 to 31.01.2014 1 1



Sh B.P. Kanungo –RBI Nominee Director 01.04.2014 to 30.05.2013 1 1

Sh. P.K.Jena- RBI Nominee Director 31.05.2013 to 31.03.2014 1 1

A committee of the Board on Appellate / Reviewing Authority is constituted to consider appeal / review in respect of Disciplinary cases at senior Management level, with the following members as on 31.03.2014:

1. Sh. P.K.Jena - RBI Nominee Director

2. Sh. S.C.Das - MOF Nominee Director

4.14 Committee for Monitoring of Recovery:A Committee of Directors consisting of Chairman & Managing Director, Executive Director and the nominee Director of Ministry of Finance has been formed to monitor the progress in recovery of the Bank in terms of directions received from Ministry of Finance, Department of Financial Services, New Delhi,vide their letter no.F.No. 7/112/2012- BOA letter dated 21.11.2012.


1. Shri Jatinderbir Singh- Chairman & Managing Director

2. Shri M.K. Jain - Executive Director

3. Shri K.K. Sansi - Executive Director 4. Shri S.C.Das -MOF Nominee Director

13.05.2013 13.06.2013 18.07.2013 17.09.2013 13.03.2014



lfefr dh mDr cSBdksa esa funs”kdksa dh muds dk;Zdky ds vuqlkj mifLFkfr dk C;kSjk fuEukuqlkj gS %








4-15 cksMZ dh leorhZ ys[kk ijh{kk lfefr

fnukad 31-03-2014 ds vuqlkj cksMZ dh leorhZ ys[kk ijh{kk lfefr ds fuEufyf[kr lnL; gSa %

Jh latho dqekj vjksM+k & xSj vkf/kdkfjd funs”kd

Jh lq[ksu iky ccwrk & xSj vkf/kdkfjd funs”kd

lfefr dh mDr cSBdksa esa funs”kdksa dh muds dk;Zdky ds vuqlkj mifLFkfr fuEukuqlkj gS%

Jh latho dqekj vjksM+k& xSj vkf/kdkfjd funs”kd 14-06-2013 ls 31-03-2014 5 5

Jh lq[ksu iky ccwrk & xSj vkf/kdkfjd funs”kd 14-06-2013 ls 31-03-2014 5 4

4-16 'ks;j/kkjd funZs'kdksa dh lfefr dk fuokZpu& lkoZtfud {ks= ds cSadksa }kjk oksfVax

Hkkjr ljdkj] foRr&ea=ky;] foRrh; lsok,a foHkkx ds fnukad 03-04-2012 ds i= dh “krksZa ds vqulkj] cksMZ ds fnuakd 05-05-2012 ds izLrko la[;k 19840 ds vuqlkj fofHkUu daifu;ksa] foRRkh; laLFkkvksa rFkk lkoZtfud {ks= ds cSadksa esa “ks;j/kkjd funs”kdksa ds :i esa izfrfuf/k;ksa ds fuokZpu esa lgk;rkFkZ cksMZ dh ,d lfefr dk xBu fd;k x;k gS %

31 ekpZ] 2014 dks lfefr dh lajpuk fuEukuqlkj gS %

Jh tfranjchj flag]vkbZ-,-,l-& v/;{k ,oa Áca/k funs'kd



Jh lqjs”k Bkdqj& xSj&vkf/kdkfjd funs”kd

Jh lqfjanj iky flag fodZ& dkexkj deZpkjh funs”kd


Punjab & Sind Bank




Shri. D.P.Singh Ex.CMD 01.04.2013 to 31.01.2014 4 4

Shri Jatinderbir Singh- Chairman & Managing Director

04.02.2014 to 31.03.2014 1 1

Shri P.K. Anand - Ex. Executive Director 01.04.2013 to 31.05.2013 1 1



Shri Rajat Sachar – MOF Nominee Director 01.03.2013 to 21.10.2013 4 4


4.15 Concurrent Audit Committee of the BoardConcurrent Audit Committee of the Board comprising of the following members is in place as on 31.03.2014.

The Committee met on the following dates during the Financial Year 2013-14

26.07.2013 19.08.2013 30.08.2013 04.09.2013 11.09.2013


Name of the Director PeriodMeetings held during

the period of their tenure

Meetings attended

14.06.2013 to 31.03.2014 5 5

14.06.2013 to 31.03.2014 5 4

In terms of Ministry of Finance, Department of Financial Services letter date 03.04.2012 a committee of Board for taking decision on supporting the candidates in election as Shareholder Directors in various companies, Financial institutions and PSU Banks was constituted as per Board resolution number 19840 dated 05.05.2012.


1. Shri Jatinderbir Singh- IAS- Chairman & Managing Director


3. Shri K.K.Sansi – Executive Director

4.

5. Shri Surinder Pal Singh Virk –Workmen Employee Director



4-17 'ks;j varj.k lfefr %

ikap vf/kdkfj;ksa dh ,d Lkfefr ftLkesa ,d eq[; egkÁca/kd] n¨ egkÁca/kd] ,d Lkgk;d egkÁca/kd gSa ,oa ,d i[kokM+s esa 'ks;jä dk foÁs"[email protected]@Ás"k.k dk vuqe¨nu daiuh Lkfpo }kjk fd;k tkrk gSA c¨MZ dh güs okyh cSBd esa 'ks;j varj.k Lkfefr ds dk;Zo`r vkxkeh cSBd esa c¨MZ ds Lke{k ÁLrqr fd, tkrs gaSA o’kZ 2013&14 ds nkSjku 'ks;j varj.k Lkfefr dh 27 cSBdas vk;¨ftr dh xbZaA cSad ;g Lkqfu'fpr djrk gS fd LkÒh 'ks;jä dk varj.k 'ks;jä ds ÁLrqfrdj.k dh fnukad Lks ,d eghus dh vof/k ds Hkhrj g¨ tk,A

5- funs’kdä dk ikfjJfed%

xSj&dk;Zdkjh funs'kdä dh ;k=k rFkk Bgjus ij güs okys O;; Lkfgr ikfjJfed dk Òqxrku] jk"Vªh;Ñr cSad ¼Áca/ku ,oa fofo/k Áko/kku½ ;¨tuk] 1970 ¼;Fkk Lka'k¨f/kr½ dh /kkjk 17 esa mfYyf[kr 'kräZ ds vuq:i] Lke;&Lke; ij dsaæ Lkjdkj }kjk Òkjrh; fjt+oZ cSad ds ijke'kZ Lks tkjh fd, x, fu/kkZj.kä ds vuqLkkj fd;k tk jgk gSA

v/;{k ,oa Áca/k funs'kd rFkk dk;Zdkjh funs'kd d¨ osru ds :i esa ikfjJfed dk Òqxrku Òkjr Lkjdkj }kjk fu/kkZfjr fu;eä ds vuqLkkj fd;k tkrk gSA v/;{k ,oa Áca/k funs’kd rFkk dk;Zdkjh funs'kd d¨ Òqxrku fd, x, ikfjJfed vkSj dk;Z fu"iknu Lkaca) Á¨RLkkgu dk C;©jk fuEu Ádkj gS%

d½ foŸkh; o"kZ 2013&14 ds n©jku osru ,oa cdk;k dk Òqxrku % (jkf'k : esa)

1- Jh tfranjchj flag v/;{k ,oa Áca/k funs'kd 2]84]117-85

2- Jh ,e-ds- tSu dk;Zdkjh funs'kd 10]67]048-38

3- Jh ds-ds-lk¡lh dk;Zdkjh funs'kd 10]12]322-57

4- Jh Mh-ih-flag lsokfuo`r v/;{k ,oa Áca/k funs'kd 15]05]393-53

5- Jh ih-ds-vkuan lsokfuo`r dk;Zdkjh funs'kd 2]86]961-2

o"kZ 2013&14 ds n©jku xSj&dk;Zdkjh funs'kd a d¨ fn;k x;k cSBd LkgÒkfxrk 'kqYd fuEukuqLkkj gS% ¼iw.kZ dkfyd funs'kd a ,oa Òkjr Lkjdkj dk izfrfuf/kRo dj jgs funs'kd d¨ fdLkh Ádkj dk cSBd LkgÒkfxrk 'kqYd ns; ugh gS½%&

1- Jh lq[ksu iky ccwrk 3]30]000

2- Jh egs”k dqekj xqIrk 2]95]000

3- Jh latho dqekj vjksM+k 3]25]000

4- Jh ds-ih-,l- ls[kksa 80]000

5- Jh lqjs”k Bkdqj 1]70]000

6- Jh ,u- jktsUnzu 1]80]000

7- Jh ,l-ih-,l-fodZ 2]35]000

8- Jh lat; oekZ 1]20]000

9- Jh vuhrk d.kkZoj 10]000

dqy ;¨x 17]45]000


Punjab & Sind Bank

4.17 Share Transfer Committee:

demat/ transfer/transmission of shares at least once in a fortnight. The minutes of the Share Transfer Committee are placed before the Board in the forthcoming meetings. 27 meetings of the Share Transfer Committee were held during 2013-14. The Bank ensures that all transfer of shares is affected within a period of one month from the date of their lodgment.

5. REMUNERATION OF DIRECTORS:

The remuneration including traveling and halting expenses to Non-Executive Directors which are being paid as stipulated by the Central Government in consultation with Reserve Bank of India from time to time in terms of Clause 17 of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970 (as amended).

The Chairman & Managing Director and Executive Directors are being paid remuneration by way of salary as per rules framed by the Government of India. The details of remuneration and Performance Linked Incentives paid to Chairman and Managing Director and Executive Director/s is detailed below:

A. Salary including Arrears paid during the Financial Year 2013-14: (Amount in Rupees)

Sr. No Name Designation Amount (Rs.)

1 Shri Jatinderbir Singh Chairman & Managing Director 2,84,117.85

2 Shri M.K. Jain Executive Director 10,67,048.38

3 Shri K.K. Sansi Executive Director 10,12,322.57

4 Shri D.P. Singh Ex. Chairman & Managing Director 15,05,393.53

5 Shri P.K. Anand Ex.Executive Director 2,86,961.2

The Sitting Fee paid to the Non-Executive Directors during the Year 2013-14 is as under: (No sitting fee is payable to whole time directors and director representing Government. of India):

Sr.No Name of the Director Amount Paid in Rs.

1 Sh Sukhen Pal Babuta 3,30,000

2. S. Mahesh Kumar Gupta 2,95,000

3 Sh Sanjiv Kumar Arora 3,25,000

4 Sh K P S Sekhon 80,000

5 Sh Suresh Thakur 1,70,000

6 Sh N. Rajendran 1,80,000

7 Sh S.P.S. Virk 2,35,000

8 Sh. Sanjay Verma 1,20,000

9 Smt. Anita Karnavar 10,000

TOTAL 17,45,000



6- lkekU; lHkk dh cSBdsa %

foxr+~ rhu o’kksZa ds nkSjku va”k/kkfj;ksa dh lkekU; lHkk dh vk;ksftr cSBdksa dk fooj.k fuEukuqlkj gS %

,th,e xq#okj 16-06-2011 izkr% 11%00 cts ,;j QkslZ vkWfMVkWfj;e] lqczrks ikdZ] ubZ fnYyh& 110010

,th,e “kfuokj 23-06-2012 izkr% 9%00 cts ,;j QkslZ vkWfMVkWfj;e] lqczrks ikdZ] ubZ fnYyh& 110010

,th,e cq/kokj 26-06-2013 izkr% 9%00 cts bafM;k baVjuS”kuy lsaVj] 40&eSDlewyj ekxZ] yks/kh ,LVsV] ubZ fnYyh& 110003

bZth,e eaxyokj 27-03-2012 izkr% 9%00 cts ,;j QkslZ vkWfMVkWfj;e] lqczrks ikdZ] ubZ fnYyh& 110010

bZth,e lkseokj 11-03-2013 izkr% 9%00 cts ,;j QkslZ vkWfMVkWfj;e] lqczrks ikdZ] ubZ fnYyh& 110010

bZth,e “kfuokj 21-12-2013 izkr% 9%00 cts bafM;k baVjuS”kuy lsaVj] 40&eSDlewyj ekxZ] yks/kh ,LVsV] ubZ fnYyh& 110003

7- izdVhdj.k %

¼d½ cSad dk ,slk dksbZ fo”ks’k lacaf/kr ikVhZ ls ysu&nsu ugha gS tgk¡ cSad ds O;kid fgrksa ds Vdjko dh laHkkouk curh gksA

¼[k½ ljdkjh dkjksckj ds brj “kqYd] deh”ku] xkjafV;ksa ij deh”ku] lk[k&i=] fofue;] nykyh] vfrns; fcyksa ij C;kt] vfxze fcy rFkk dj okifl;ksa ij dek, C;kt dh x.kuk okLrfod olwyh ds vk/kkj ij dh tkrh gSA

¼x½ la;qDr m|eksa ,oa ,lksfl,V ds “ks;jksa ij ykHkka”k dh x.kuk okLrfod izkfIr ds vk/kkj ij dh tkrh gSA¼?k½ cSad ij foxr+~ rhu o’kksZa ds nkSjku iw¡th cktkj ls lEc) fdlh Hkh ekeys esa fdlh Hkh fofu;ked izkf/kdkjh vFkkZr~ LVkWd

,Dlpsat vkSj@vFkok lsch }kjk fdlh fu;e] funssZ”kksa ,oa fn”kk&funsZ”kksa dk vuqikyu u djus ds fy, u rks dksbZ naM yxk;k x;k gS vkSj u gh fdlh izdkj dh HkRlZuk dh xbZ gSA

¼M-½ orZeku esa dsanzh; lrdZrk vk;ksx dh foly Cyksvj IkkWfylh* iw.kZ :i ls ifjpkfyr gSA ¼p½ funs”kdksa us lwfpr fd;k gS fd 31 ekpZ] 2014 rd funs”kdksa ds e/; fdlh izdkj dk ikjLifjd laca/k ugha gSA

8- vfuok;Z ,oa xSj&vfuok;Z vko';drk,a%&cSad us LV‚d ,DLkpsatä tgka cSad ds 'ks;j Lkwphc) gS] ds LkkFk fd, x, Lkwph;u djkj ds Lka'k¨f/kr [kaM 49 esa ;Fkk micaf/kr LkÒh ykxw vfuok;Z vko”;drkvksa dk vuqikyu fd;k gSAxSj&vfuok;Z vko”;drkvksa ds dk;kZUo;u dh orZeku fLFkfr fuEukuqLkkj gS%

1- v/;{k ds dk;kZy; dk j[kj[kko] xSj&dk;Zikyd v/;{k daiuh ds [kpZ ij djsaxsA

ykxw ugha] D;äfd v/;{k dk in dk;Zikyd dk in gSA

2- funs'kd eaMy ,d ikfjJfed Lkfefr xfBr djsxk t¨ dk;Zdkjh funs'kdä ds fy, daiuh dh fof'k"V ikfjJfed iSdst Lkaca/kh uhfr rS;kj djsxhA

ykxw ugh] tSlk dh v/;{k ,oa Áca/k funs'kd ,oa dk;Zikyd funs'kd] Òkjr Lkjdkj }kjk fu;r osru ÁkIr djrs gSA rFkkfi] dsaæ Lkjdkj }kjk tkjh fn'kkfunsZ'kä ds vuqLkkj dk;Z&fu"iknu Lkaca) Á¨RLkkgu ij fopkj djus ds fy, ,d ikfjJfed Lkfefr ifjpkyu esa gSA

3- vafre 6 ekg ds n©jku] egRoiw.kZ ?kVukvksa ds Lkkjka'k Lkfgr foŸkh; dk;Z&fu"iknu dh Nekgh ?k¨"k.kk d¨ 'ks;j /kkjdä d¨ ÒstukA

“ks;j/kkjdksa dh lwpuk gsrq v/kZ&okf’kZd@frekgh foRrh; ifj.kkeksa dks izeq[k lekpkj i=ksa esa izdkf”kr djk;k x;k Fkk vkSj cSad dh osclkbZV ij Hkh miyC/k djk;k x;k FkkA

4- daiuh d¨ vuDokfyQkbM foŸkh; foojf.k;ä dh O;oLFkk dh v¨j tkuk pkfg,A

cSad us vuDokfyQkbM foŸkh; foojf.k;ä dh v¨j vxzLkj güs gsrq dbZ dne mBk, gSA


Punjab & Sind Bank

6. GENERAL BODY MEETINGS

Details of last three General Body Meetings of the shareholders held are given below:

Nature Day & Date Time Venue

AGM Thursday16.06.2011 11.00 a.m. Air Force Auditorium, Subroto Park,New Delhi-110 010

AGM Saturday 23.06.2012 9.00 a.m. Air Force Auditorium Subroto Park,New Delhi-110 010

AGM Wednesday 26.06.2013 9.00 a.m. India International Centre, 40-Max Mueller Marg, Lodhi Estate, New Delhi-110003

EGM Tuesday 27.03.2012 9.00 a.m. Air Force AuditoriumSubroto Park, New Delhi-110 010

EGM Monday 11.03.2013 9.00 a.m. Air Force AuditoriumSubroto Park, New Delhi-110 010

EGM Saturday 21.12.2013 9.00 a.m. India International Centre, 40-Max Mueller Marg, Lodhi Estate, New Delhi-110003

7. DISCLOSURES:

of the Bank at large.b) Income by way of Fees, Commission other than on Government Business, Commission on Guarantees,

LCs, Exchange, Brokerage, Interest on overdue Bills, Advance Bills and Interest earned on Tax Refunds are accounted for on realization basis.

c) Dividend on Shares in Joint Ventures and Associates is accounted on actual realization basis.d) No penalties and strictures have been imposed on the Bank by the Stock Exchange and /or SEBI for non-

compliance of any law, guidelines and directives, on any matters related to capital markets, during the last three years.

e) As on date, the Central Vigilance Commission’s Whistle Blower Policy is in place.

f) Directors have disclosed that they have no relationship between directors inter se as on 31st March 2014.

8. MANDATORY AND NON-MANDATORY REQUIREMENTS:The Bank has complied with all the applicable mandatory requirements as provided in Revised Clause 49 of the Listing Agreement entered into with the Stock Exchanges where Bank’s shares are listed.

The extent of implementation of non-mandatory requirements is as under:

Sr. No Non-mandatory requirement Status of Implementation

1. Non-executive Chairman to maintain Not Applicable, since the Chairman’s position is Executive.

2. Board to set-up a Remuneration Committee to formulate company’s remuneration

Executive Directors.

Not applicable, as Chairman & Managing Director and

of India. However a Remuneration Committee is in operation to consider Performance Linked Incentive in terms of guidelines issued by the Central Government.

3.performance including summary of

sent to shareholders.

leading newspapers and were also placed on the website of the Bank for the information of the shareholders.

4. Company may move towards regime of The Bank has initiated steps for moving towards achieving



5- daiuh funs'kd eaMy ds LknL;ä d¨ funs'kd ds :i esa ftEesnkjh ogu djus v©j mLkdk Lko¨ZŸke <a+x Lks fuoZgu djus ds fy, daiuh ds O;oLkkf;d e‚My esa Áf'kf{kr djus ds LkkFk&LkkFk] daiuh ds O;oLkkf;d ekunaMä dh t¨f[ke Á¨Qkby ds fo"k; esa Áf'kf{kr djsA

funs'kd eaMy }kjk viuk, x, O;oLkkf;d e‚My v©j t¨f[ke Á¨Qkby ds LkkFk&LkkFk vkpkj Lkafgrk dh Lkaiw.kZ tkudkjh c¨MZ ds ÁR;sd LknL; d¨ LkaÁsf"kr dh xbZ gSA

6- funs'kd eaMy ds vU; LknL;ä }kjk xSj&dk;Zikyd funs'kdä ds dk;Z fu"iknu dk ewY;kadu v©j xSj&dk;Zikyd funs'kdä ds funs'kd in ij cus jguk ;k vU;Fkk fu.kZ; ysukA

Òkjrh; fjt+oZ cSad ds fn'kk&funsZ'kä ds vuq:i] ,d ukekadu Lkfefr dk xBu fd;k x;k gS ,oa p;fur@ukfer funs'kdä ij cSaddkjh daiuh ¼miØeä dk vtZu ,oa varj.k½ vf/kfu;e] 1980 dh /kkjk 9¼3½¼vkbZ½ ds v/khu fQV ,.M Áïj fn'kk&funsZ'k ykxw g¨rs gSaA

7- daiuh vuSfrd O;ogkj] okLrfod vFkok LkansgkLin /k¨[kk/kM+h vkfn ds LkanÒZ esa Áca/ku dh Çprkvksa ds fo"k; esa fji¨VZ djus ds fy, iwoZ Lkadsr nsus okyh ¼foLky Cy¨vj½ uhfr cuk,A

orZeku esa dsaæh; LkrdZrk deh'ku dh iwoZ Lkadsr ¼foLky Cy¨vj½ uhfr iw.kZr;k ifjpkfyr gSA

9- LkaÁs"k.k ds Lkk/ku%

cSad] fodfLkr Lkwpuk Á©|¨fxdh ,oa Lkapkj ds Lkk/kuä ds ek/;e Lks vius LknL;ä v©j fgr/kkjdä d¨ muds fgrä Lks Lkac) tkudkfj;ä ds fo"k; esa Lkwfpr djus dh vko”;drk d¨ Lke>rk gSA

cSad ds foŸkh; ifj.kkeä d¨ funs'kd eaMy dh cSBd esa muds vuqe¨nu ds i”pkr~] cSBd dh LkekfIr ij rRdky mu LV‚d ,DLkpsat¨ d¨ ÁLrqr fd;k tkrk gS tgka ij cSad dh ÁfrÒwfr;ka Lkwphc) gSaA ;g ifj.kke n¨ ;k vf/kd Lkekpkj i=ä esa Òh Ádkf'kr djok, tkrs gSa ftuesa Lks ,d Lkekpkj i= ,sLkk g¨rk gS ftLkdk ÁLkkj Lkaiw.kZ Òkjr esa g¨ v©j nwLkjk Lkekpkj i= ,sLkk g¨rk gS ftLkdk ÁLkkj jk"Vªh; jkt/kkuh {ks= fnYyh esa g¨ tgka cSad dk Á/kku dk;kZy; fLFkr gSA cSad ds frekgh@b;j Vw b;j@okf"kZd ifj.kke cSad dh csclkbZV http://www.psbindia.com ij miyC/k gSA

1- ckWEcs LVkWd ,Dlpsat fyfeVsM] fQjkst thtkHkkbZ VkolZ] 25oka ry] nyky LVªhV] QksVZ] eqEcbZ&400001 ch,lbZ dksM & 533295

2- uS'kuy LVkWd ,Dlpsat vkWQ baafM;k fyfeVsM ,DLkpsat Iyktk ckaæk dqykZ d‚EIysDLk] ckaæk iwoZ] eqEcbZ 400051 ,u,LkbZ d¨M% ih,Lkch&bZD;w

,DLkpsat¨ esa Lkwphc)] LkÒh ÁfrÒwfr;ä ds Lkaca/k esa vc rd ds okÆ"kd 'kqYd dk Òqxrku dj fn;k x;k gSA

10-1 ÁfrÒwfr;ä dk vÒ©frdhdj.k%

Lksch dh vfuok;Z vÒ©frd Lkwph ds varxZr~ cSad ds 'ks;j vkrs gSa v©j cSad us vius 'ks;jä ds vÒ©frdhdj.k gsrq us'kuy fLkD;¨fjVh fMi‚ftVjh fy- ¼,u,LkMh,y½ rFkk LksaVªy fMi‚ftVjh LkÆoLkst ¼bafM;k½ fy- ¼LkhMh,Lk,y½ ds LkkFk djkj fd;k gSA 'ks;j/kkjd] ,u,LkMh,y vFkok LkhMh,Lk,y ds ikLk vius 'ks;jä d¨ vÒ©frdhÑr djok Lkdrs gSaA

31 ekpZ] 2014 d¨ cSad ds ikLk 275284212 bfDoVh 'ks;j gS ftuesa Lks 275281524 'ks;j vÒ©frd :i esa /kkfjr gSa ftudk fooj.k fuEukuqLkkj gS%

Ò©frd 2688 0-0009vÒ©frd

,u,lMh,y

lhMh,l,y*

42321308

23296021615-3737

84-6254dqy 275284212 100-0000

* blesa Hkkjr ljdkj }kjk /kkfjr 22]41]32]212 bZfDoVh “ks;j “kkfey gSaA


Punjab & Sind Bank

5. Company may train Board Members in the Business Model of the Company as well as

company, the responsibilities as Director and the best way to discharge them.

A complete overview of the Business Model and risk

of Directors has been communicated to each member of the Board.

6. The evaluation of performance of non-executive Directors by other members of the Board and to decide to continue or otherwise of the Directorship of the non-executive Directors.

A Nomination Committee has been constituted in terms of Reserve Bank of India Guidelines and the directors to be elected under clause 9(3)(i) of The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980 shall

7. The Company to establish the Whistle Blower Policy for reporting management concerns about unethical behaviors, actual or suspected fraud, etc.

As on date, the Central Vigilance Commission’s Whistle Blower Policy is in place.

9. MEANS OF COMMUNICATION:

The Bank recognizes the need for keeping its members and stakeholders informed of the events of their interests through present advanced information technology and means of communication.

listed, immediately after the conclusion of the Board Meeting approving the same. The results are also published in minimum two or more newspapers, one circulating in the whole or substantially the whole of India and the

The quarterly/year to year/Annual Financial results of the bank are posted on the Bank's website http://www.psbindia.com.1. Bombay Stock Exchange Ltd.

Phiroze Jeejeebhoy Towers, 25th Floor, Dalal Street, Fort,

Mumbai-400001 BSE CODE : 533295

2. National Stock Exchange of India Ltd.

Bandra Kurla ComplexBandra,(East)

Mumbai 400 051

The annual listing fees in respect of all the securities listed with the exchange(s) have been paid till date.

The 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, 2014 the Bank has 275284212 Number of Equity Shares of which 275281524 Shares are held in dematerialized form, as per the detail given below.

Nature of Holding Number of shares Percentage

Physical 2688 0.0009

DematerializedNSDLCDSL *

42321308232960216

15.373784.6254

Total 275284212 100.0000

* includes 22,41,32,212 equity shares held by the Government of India.



10-2 bySDVªkWfud lek'kks/ku lsok,a¼bZ-lh-,l-½

bzySDVªkWfud lek”kks/ku lsok,a ¼bZ-lh-,l-½ Hkqxrku dh vk/kqfud iz.kkyh gS ftlesa lacaf/kr fuos”kd ds [kkrs esa ykHkka”k@C;kt vkfn dh jkf”k lh/ks rkSj ij tek dh tkrh gSA cSad us “ks;j/kkjdksa dks lHkh dsanzksa ] tgk¡ Hkkjrh; fjt+oZ cSad ds v/khu jk’Vªh;bZ-lh-,l-@bZ-lh-,l-lqfo/kk miyC/k gSa] ij lsok dk ykHk mBkus dk fodYi fn;k gSA

10-3 bysDVª‚fud 'ks;j varj.k Á.kkyh rFkk fuos’kdä dh f’kdk;rä dk fuokj.k%

cSad Lkqfuf”pr djrk gS fd LkÒh 'ks;jä dk varj.k Lkaca/kh LkeLr dk;Z] mudh ÁLrqfr dh rkjh[k Lks ,d ekg ds vanj fof/kor :i Lks Lkaié g¨ tk,A c¨MZ us 'ks;jä ds varj.k ,oa vU; Lkacaf/kr ekeyä dh fuxjkuh ,oa Lkeh{kk djus gsrq 'ks;j/kkjd@fuos'kd f'kdk;r Lkfefr ,oa 'ks;j varj.k Lkfefr dk xBu fd;k gSA ;s Lkfefr;ka fu;fer varjky ij cSBds vk;¨ftr djrh gSa v©j fuos'kdksa dh f'kdk;rä dh fLFkfr dh Lkeh{kk djrh gSaA

cSad us eSLkLkZ Çyd buVkbZe bafM;k Ák- fy- d¨ vius jftLVªkj v©j varj.k ,tsaV ds :i esa fu;qä fd;k gS ftLkdk dk;Z 'ks;j varj.k] ykÒka'k Òqxrku] 'ks;j/kkjdä ds vuqj¨/k d¨ vfÒysf[kr djuk] fuos'kdä dh f'kdk;rä dk Lkek/kku ds vykok 'ks;j@ckaM tkjh djus Lkaca/kh vU; xfrfof/k;ä d¨ Lkqfuf”pr djuk gSA fuos'kd vius varj.k foys[k@vuqj¨/k@f'kdk;rä d¨ fuEu irs ij jftLVªkj d¨ Ásf"kr dj Lkdrs gS%

¼bdkbZ% iatkc ,.M ÇLk/k cSad½44] dE;qfuVh lsaVj] f}rh; ry]ukjk;.kk v©|kfsxd {ks=] Qst&I]utnhd ihohvkj ukjk;.kk]ubZ fnYyh&110028nwjÒk"k% ¼011½ 41410592 Lks 0594QSDLk% ¼011½ 41410591bZ esy% [email protected]

cSad us 'ks;j d{k dh LFkkiuk Á/kku dk;kZy;] 21] jktsaæ IysLk] ubZ fnYyh&110008 esa dh gS] tgka 'ks;j/kkjd vius varj.k foys[k@vuqj¨/kä@f'kdk;rä d¨ Lkek/kku gsrq fuEufyf[kr irs ij Òst Lkdrs gSa%

iz/kku dk;kZy; 'ks;j d{k]ÁFke ry] 21] jktsaæ IysLk]ubZ fnYyh &110008nwjÒk"k% ¼011½ 25782926] 25728930] 25812922QSDLk% ¼011½ 25781639bZ&esy%

¼mDr bZ&esy vkbZ-Mh- dks fuos”kdksa dh f”kdk;rksa gsrq LVkWd ,Dlpsatksa ds lkFk lwphc) djkj ds [kaM 47 ¼,Q½ ds v/khu ukfer fd;k x;k gSA½

10-4 fuyac [kkrs esa vkcafV;ksa ds vnkoh 'ks;jksa ds laca/k esa fLFkfr dh fjiksVZ%

1- Ok’kZ ds izkjaHk esa ih,lch esa vnkoh lafnX/k [kkrksa esa iM+s “ks;jksa dh la[;k

1272 1230


Punjab & Sind Bank

Electronic Clearing Services (ECS) is a modern method of payment where the amounts of dividend/interest etc., are directly credited to the bank accounts of the Investors concerned. The Bank has offered the services to the shareholders with an option to avail the facility at all the centers covered by Reserve Bank of India under its National ECS/ ECS facility.

The Bank ensures that all transfers of Shares are duly affected within a period of one month from the date of their lodgment. The Board has constituted Shareholders’/ Investors’ Grievances Committee to monitor and review the progress in redressal of shareholders’/ investors’ grievances and Shares Transfer Committee to consider transfer of Shares and other related matters. The Committees meet at regular intervals and review the status of Investors’ Grievances.

The Bank has appointed M/s. Link Intime India Pvt Ltd as its Registrars and Transfer Agent with a mandate to process transfer of Shares, dividend payments, recording of Shareholders’ requests, solution of investors’ grievances amongst other activities connected with the issue of Shares / Bonds. The Investors may lodge their transfer deeds / requests / complaints with the Registrars at following address:

M/s Link Intime India Pvt Ltd

(Unit: Punjab & Sind Bank)

Naraina Indl. Area, Phase-I,

Near PVR Naraina,

New Delhi-110 028.

Phone : (011) 41410592 to 0594

Fax : (011) 41410591

E Mail : [email protected]

the shareholders can mail their requests / complaints for resolution at the address given below:

Punjab & Sind Bank

21-Rajendra Place, 1st Floor,

New Delhi-110 008.

Telephone : (011) 25782926, 25728930, 25812922

Fax : (011) 25781639

(The aforesaid e-mail ID is exclusively designated for investors’ complaints pursuant to Clause 47(F) of the listing agreement with Stock Exchanges)

S. No. Particulars NSDL IN301330-21335661

CDSL1601010000399414

1. No. of shares lying in PSB Unclaimed Suspense Account in beginning of the year

1272 1230



2- “ks;j varj.k ds fy, vk, “ks;j/kkjdksa dh la[;k vkSj “ks;j/kkjdksa dh la[;k ftuds “ks;jksa dks mpar [kkrs ls varfjr fd;k x;k

&& &&

3- Ok’kZ ds var esa ih,lch esa vnkoh lafnX/k [kkrksa esa iM+s “ks;jksa dh la[;k

1272* 1230*

* izekf.kr fd;k tkrk gS bu 'ks;jksa dk oksfVax vf/kdkj rc rd fu'py j[kk tk,xk tc rd okLrfod ekfyd bu 'ks;jksa dk nkok ugh djrkA

11- d‚i¨ZjsV xouZsaLk

cSad us mu if)r;ä] ijaijkvksa ,oa Lkafgrkvksa d¨ viuk;k gS v©j mudk ikyu dj jgk gS t¨ cSad ds fgr/kkjdä ,oa tekdrkZvksa d¨ xq.koŸkkiw.kZ dki¨ZjsV xouZsaLk dk vk'okLku Ánku djrk gSA cSad dh ikjn'kÊ LokfeRo Lkajpuk] LkqO;ofLFkr dk;Zikyd Áca/ku Lkajpuk] Lkar¨"ktud t¨f[ke Áca/ku i)fr;ka] c¨MZ ,oa ofj"B Áca/ku dh fu;qfä;ä esa ikjnÆ'rk] foLr`r ,oa ifj"Ñr ys[kk dk;Zfof/k t¨ fd fujh{k.k ÁÒkx rFkk Lora= ys[kkdeäZ }kjk viukbZ tkrh gS] d¨ ifjyf{kr djrh gSA

12- foÙkh; dSysaMj (vuafre)

foŸkh; o"kZ 1 vÁSy] 2013 Lks 31 ekpZ] 2014

[kkrä ,oa ykÒka'k Lkaca/kh flQkfj”kksa ij fopkj&foe"kZ djus gsrq funs'kd eaMy dh cSBd

10-05-2014

Òkjrh; fjt+oZ cSad d¨ [kkrä dh ys[kk ijhf{kr fooj.kh dh ÁLrqfr

20-05-2014

pkSFkh LkkekU; cSBd dh rkjh[k]

pkSFkh lkekU; cSBd dk Lke;

pkSFkh lkekU; cSBd dk LFkku

30-06-2014 lkseokj

9%00 cts izkr%

bafM;k baVjus”kuy lsaVj] 40&eSDlewyj ekxZ]

yks/kh ,LVsV] ubZ fnYyh& 110003

okÆ"kd fji¨VZ dk Ás"k.k 02-06-2014 ls 04-06-2014

cfg;ä d¨ can djus dh rkjh[k 14-06-2014 ls 30-06-2014

fjdkMZ rkjh[k (vuafre ykHkka'k gsrq ik=rk) 13-06-2014

Á‚DLkh QkeZ ÁkIr djus dh vafre rkjh[k 25-06-2014 lka; 05%00 cts rd

ykÒka'k gsrq okjaV Ásf"kr djus dh LkaÒkfor rkjh[k 07-07-2014 ls 08-07-2014

ykÒka'k Òqxrku dh rkjh[k 11-07-2014

13- 31 ekpZ] 2014 d¨ 'ks;j/kkfjrk Lo:i

1- Òkjr Lkjdkj ¼ÁorZd½ 1 224132212 81-42

2- E;wP;qvy QaM@;wVhvkbZ 0 00 0-00

3- foŸkh; LkaLFkk,a@cSad 22 12824131 4-65

4- chek daifu;ka 0 0 0


Punjab & Sind Bank

2. No. of shareholders who approached for transfer of shares and to whom shares were transferred from Suspense A/c

-- --

3. No. of shares lying in PSB Unclaimed Suspense Account at the end of the year

1272* 1230*

11. Corporate Governance

The Bank has adopted and follows such practices, convention and codes as would provide its financial stakeholders including the depositors, a high level of assurance on the quality of Corporate Governance. The Bank

practices, transparency in appointment and functioning of the Board and Senior Management and an elaborate

Financial Year 1st April, 2013 to 31st March, 2014

Board Meeting for considering of Accounts and recommendation of dividend. 10.05.2014

Submission of audited statement of accounts to RBI. 20.05.2014

Date of Fourth Annual General Meeting.

Time of Fourth Annual General Meeting

Venue of Fourth Annual General Meeting

30.06.2014 Monday

9 A.M.

India International Centre,

40-Max Mueller Marg, Lodhi Estate,

New Delhi-110003

Posting of Annual Report 02.06.2014 to 04.06.2014

Book Closure dates 14.06.2014 to 30.06.2014

13.06.2014

Last Date for receipt of Proxy Forms 25.06.2014 upto 5 pm

Probable date of dispatch of warrants for Dividend 07.07.2014 - 08.07.2014

Payment date – Dividend 11.07.2014

Sr. No.

Description No. of Share Holders Shares % To Equity

1. Govt. of India (Promoters) 1 224132212 81.42

2. Mutual Funds/UTI 0 00 0.00

3. Financial Institutions / Banks 22 12824131 4.65

4. Insurance Companies 0 0 0



5- fons'kh LkaLFkkxr fuos'kd 15 7921591 2-88

6- d‚i¨ZjsV fudk; 872 4576428 1-66

7- oS;fäd fuokLkh 159790 24250948 8-81

8- vfuokLkh Òkjrh; 1286 992437 0-36

9- fons'kh d‚i¨ZjsV fudk; 0 0 0

10- U;kLk 13 293986 0-11

11- Lkek'k¨/ku LknL; 195 292479 0-11

dqy 162194 275284212 100-00

13-1 Hkkjr ds jk"Vªifr tks fd Hkkjr ljdkj dk izfrfuf/kRo djrs gSa] dks bfDoVh 'ks;jksa dk vf/keku vk/kkj ij vkcaVu %

fnukad 21-12-2013 dks cSad ds “ks;j/kkjdksa dh bZ-th-,e- esa fo”ks’k ladYi ds vuqeksnu vuqlkj Hkkjr ds jk’Vªifr tks fd Hkkjr ljdkj dk izfrfuf/kRo djrs gSa] dks 10@&:- vafdr ewY; ds 2]12]63]023 bZfDoVh “ks;jksa dks fnukad 24-12-2013 dks vf/keku vk/kkj ij 37-03:- ij vkcafVr fd;k x;k tks fd dqy 99]99]99]971-69:- jkf”k ds FksA

14- 31 ekpZ] 2014 d¨ 'ks;j /kkjd¨a dk Js.kh&okj forj.k

1 & 2500 148075 91-29 9281338 92813380 3-37

2501 & 5000 7514 4-63 2848093 28480930 1-04

5001 & 10000 3628 2-24 2784032 27840320 1-01

10001 & 20000 1647 1-02 2364549 23645490 0-86

20001 & 30000 446 0-28 1127631 11276310 0-41

30001 & 40000 197 0-12 703059 7030590 0-25

40001 & 50000 154 0-09 724395 7243950 0-26

50001 & 100000 295 0-18 2138010 21380100 0-78

100001 vkSj mlls vf/kd 238 0-15 253313105 2533131050 92-02

dqy ;¨x 162194 100-00 275284212 2752842120 100-00

15- 31 ekpZ] 2014 d¨ 'ks;j/kkjd¨a dk Ò©x¨fyd –f"V Lks ¼jkT;okj½ forj.k

1- vaMseku ,aM fudksckj 4 333 0-00012

2- vka/kz izns”k 6547 1648588 0-59887

3- v#.kkpy izns”k 2 550 0-00020

4- vle 706 117948 0-04285

5- fcgkj 1547 266972 0-09698

6- paMhx<+ 1108 289205 0-10506

7- NRRkhlx<+ 770 119975 0-04358

8- nknjk ,aoa uxj gosyh 24 1831 0-00067


Punjab & Sind Bank

5. Foreign Institutional Investors 15 7921591 2.88

6. Bodies Corporate 872 4576428 1.66

7. Resident Individuals 159790 24250948 8.81

8. Non Resident Indians 1286 992437 0.36

9. Overseas Corporate Bodies 0 0 0

10. Trusts 13 293986 0.11

11. Clearing Members 195 292479 0.11

Total 162194 275284212 100.00

As approved by Special Resolution in the EGM of shareholders of the Bank, held on 21.12.2013, 2,12,63,023 equity shares of Rs. 10/- each for cash at a premium of Rs. 37.03 per share aggregating to Rs. 99,99,99,971.69 were issued to GOI on preferential allotment basis on 24.12.2013.

Category No. of Cases % of Cases Total Shares Amount(Face Value)

% of Amount

1 – 2500 148075 91.29 9281338 92813380 3.37

2501 – 5000 7514 4.63 2848093 28480930 1.04

5001 – 10000 3628 2.24 2784032 27840320 1.01

10001 – 20000 1647 1.02 2364549 23645490 0.86

20001 – 30000 446 0.28 1127631 11276310 0.41

30001 – 40000 197 0.12 703059 7030590 0.25

40001 – 50000 154 0.09 724395 7243950 0.26

50001 – 100000 295 0.18 2138010 21380100 0.78

100001 & Above 238 0.15 253313105 2533131050 92.02

TOTAL 162194 100.00 275284212 2752842120 100.00

Sr. No. State Cases Shares % (No. of Shares)

1. ANDAMAN & NICOBAR 4 333 0.00012

2. ANDHRA PRADESH 6547 1648588 0.59887

3. ARUNACHAL PRADESH 2 550 0.00020

4. ASSAM 706 117948 0.04285

5. BIHAR 1547 266972 0.09698

6. CHANDIGARH 1108 289205 0.10506

7. CHATTISGARH 770 119975 0.04358

8. DADRA & NAGAR HAVELI 24 1831 0.00067



9- neu vkSj nho 8 1735 0-00063

10- fnYyh 15245 229002219 83-18756

11- xksvk 197 26803 0-00974

12- Xkqtjkr 31979 3827410 1-39035

13- gfj;k.kk 5238 835110 0-30336

14- fgekpy izns”k 300 50548 0-01836

15- tEew vkSj d”ehj 254 57341 0-02083

16- >kj[kaM 1436 180277 0-06549

17- dukZVd 7203 1503306 0-54609

18- Dsjy 1663 413902 0-15035

19- e/; izns”k 4269 799156 0-29030

20- egkjk’Vª 33481 26618498 9-66946

21- ef.kiqj 9 1099 0-00040

22- es?kky; 31 3192 0-00116

23- ukxkySaM 21 7830 0-00284

24- mM+hlk 983 171998 0-06248

25- ikafMpsjh 110 20378 0-00740

26- iatkc 4990 1273528 0-46262

27- jktLFkku 14213 1491478 0-54180

28- flfDde 6 500 0-00018

29- rfeyukMq 7995 1588467 0-57703

30- f=iqjk 19 4420 0-00161

31- mRrj izns”k 8101 1447398 0-52578

32- mRrjk[kaM 937 192898 0-07007

33- if”pe caxky 11498 2325797 0-84487

34- ,ihvks@vU; 14 1085 0-00039

dqy 16098 274291775 99-63949

35- ,u-vkj-vkbZ- 1286 992437 0-36051

dqy ;ksx 162194 275284212 100-00000

16- LV‚d ,DLkpsatä esa 'ks;jä ds Lk©nä dh ek=k rFkk 'ks;j dher ¼fnukad 01-04-2013 Lks 31-03-2014½

vizSy] 2013 63-80 57-50 1314577 63-50 57-70 326657

ebZ] 2013 63-20 57-00 1422175 63-70 57-00 380577

twu] 2013 60-50 51-85 941001 60-50 52-00 287578


Punjab & Sind Bank

9. DAMAN & DIU 8 1735 0.00063

10. DELHI 15245 229002219 83.18756

11. GOA 197 26803 0.00974

12. GUJARAT 31979 3827410 1.39035

13. HARAYANA 5238 835110 0.30336

14. HIMACHAL PRADESH 300 50548 0.01836

15. JUMMU & KASHMIR 254 57341 0.02083

16. JHARKHAND 1436 180277 0.06549

17. KARNATAKA 7203 1503306 0.54609

18. KERALA 1663 413902 0.15035

19. MADHYA PRADESH 4269 799156 0.29030

20. MAHARASHTRA 33481 26618498 9.66946

21. MANIPUR 9 1099 0.00040

22. MEGHALAYA 31 3192 0.00116

23. NAGALAND 21 7830 0.00284

24. ORISSA 983 171998 0.06248

25. PONDICHERRY 110 20378 0.00740

26. PUNJAB 4990 1273528 0.46262

27. RAJASTHAN 14213 1491478 0.54180

28. SIKKIM 6 500 0.00018

29. TAMIL NADU 7995 1588467 0.57703

30. TRIPURA 19 4420 0.00161

31. UTTAR PRADESH 8101 1447398 0.52578

32. UTTARAKHAND 937 192898 0.07007

33. WEST BENGAL 11498 2325797 0.84487

34. APO/ OTHERS 14 1085 0.00039

Total 16098 274291775 99.63949

35. NRI 1286 992437 0.36051

GRAND TOTAL 162194 275284212 100.00000

(From 01.04.2013 to 31.03.2014)

Month

National Stock Exchange of India Limited (NSE) Bombay Stock Exchange Ltd. (BSE)

Highest (Rs.) Low Volume Traded (Nos.)

Highest (Rs.) Lowest (Rs.) Volume Traded (Nos.)

APR 2013 63.80 57.50 1314577 63.50 57.70 326657

MAY 2013 63.20 57.00 1422175 63.70 57.00 380577

JUN 2013 60.50 51.85 941001 60.50 52.00 287578



tqykbZ] 2013 54-55 45-25 1107263 54-50 45-15 356002

vxLr] 2013 48-80 36-65 1743556 48-70 36-75 528466

flracj] 2013 44-70 37-50 2675983 44-65 37-45 622730

vDrwcj] 2013 44-75 39-25 1816286 44-80 39-45 494631

uoacj] 2013 54-50 43-50 3038928 54-30 43-30 1002806

fnlacj] 2013 47-50 42-95 1389964 47-90 43-00 473662

tuojh] 2014 47-50 42-80 1817811 47-25 42-65 639818

Qjojh] 2014 44-95 40-50 758389 44-35 40-70 197703

ekpZ] 2014 45-65 40-40 3043499 45-50 40-30 616852

geus iatkc ,.M ÇLk/k cSad ds LV‚d ,DLkpsatä vFkkZr~ us'kuy LV‚d ,DLkpsat vkWQ bafM;k fyfeVsM rFkk c‚Ecs LV‚d ,DLkpsat fyfeVsM ds LkkFk Lkwphc) djus Lkaca/kh djkj ds [kaM 49 esa fofuÆn"V d‚i¨ZjsV xouZsaLk ds 'kräZ ds ÁLkax esa cSad }kjk 31 ekpZ] 2014 d¨ LkekIr o"kZ gsrq d‚i¨ZjsV xouZsaLk Lkaca/kh vuqikyu fLFkfr dh tkap dh gSA

d‚i¨ZjsV xouZsaLk Lkaca/kh 'kräZ dk vuqikyu djuk Áca/ku dk nkf;Ro gSA gekjh tkap] d‚i¨ZjsV xouZsaLk Lkaca/kh ck/;rkvksa dk vuqikyuLkqfuf”pr djus gsrq cSad }kjk viukbZ xbZ ÁfØ;kvksa v©j dk;kZUo;u rd Lkhfer FkhA ;g u r¨ ys[kk ijh{kk gS v©j u gh cSad dh foŸkh; foojf.k;ä ds fo"k; esa gekjk vfÒer gSA

ge viuh jk; rFkk Lko¨ZŸke tkudkjh rFkk gesa fn, x, Li"Vhdj.kä ds vk/kkj ij Áekf.kr djrs gSa fd cSad us mij¨ä Lkwphc) djkj esa fofuÆn"V d‚i¨ZjsV xouZsaLk Lkaca/kh ck/;rkvksa dk vuqikyu fd;k gSA

gekjk ;g Òh vfÒdFku gS fd mä vuqikyu dk vfÒÁk; cSad dh Òfo”; dh Lk{kerk ds Áfr ;g d¨bZ vk”okLku ugh gS v©j u gh ;g cSad ds dk;Zikydä ds Lkapkyu esa Áca/ku dh dq'kyrk ,oa ÁÒkoiw.kZrk ds fo"k; esa vk”okLku gSA

fnukad % 10ebZ] 2014LFkku % ubZ fnYyh


Punjab & Sind Bank

JUL 2013 54.55 45.25 1107263 54.50 45.15 356002

AUG 2013 48.80 36.65 1743556 48.70 `36.75 528466

SEP 2013 44.70 37.50 2675983 44.65 37.45 622730

OCT 2013 44.75 39.25 1816286 44.80 39.45 494631

NOV 2013 54.50 43.50 3038928 54.30 43.30 1002806

DEC 2013 47.50 42.95 1389964 47.90 43.00 473662

JAN 2014 47.50 42.80 1817811 47.25 42.65 639818

FEB 2014 44.95 40.50 758389 44.35 40.70 197703

MAR 2014 45.65 40.40 3043499 45.50 40.30 616852

To: The Members of Punjab & Sind Bank

We have examined the compliance of conditions of Corporate Governance by Punjab & Sind Bank, for the year ended on 31st March 2014, as stipulated in Clause-49 of the Listing Agreement of the Bank with Stock Exchanges. i.e. National Stock Exchange of India Limited and Bombay Stock Exchange Limited.

The compliance of conditions of Corporate Governance is the responsibility of management. Our examination was limited to procedures and implementation thereof, adopted by the Bank for ensuring the compliance of the conditions

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.

effectiveness with which the management has conducted the affairs of the Bank.

For R. M. Lall & Co. For O. P. Tulsyan & Co.

Chartered Accountants Chartered Accountants

(R. P. Tewari) (Rakesh Agarwal)Partner PartnerM. No. 071448 M. No. 081808FRN : 000932C FRN : 500028N

For B. K. Shroff & Co. For R. Kothari & Co.Chartered Accountants Chartered Accountants

(L. K. Shroff) (Rajesh Kumar)Partner PartnerM. No. 060742 M. No. 090865FRN : 302166E FRN : 307069E

Dated: May 10, 2014 Place : New Delhi



funs”kd eaMy]iatkc ,.M fla/k cSad]ubZ fnYyh

egksn;]

;g ?kksf’kr fd;k tkrk gS fd cSad ds funs”kd eaMy ds lnL; rFkk ofj’B izca/ku dkfeZdksa us LVkWd ,Dlpsat ds lkFk lwphc) djus laca/kh djkj ds [kaM 49 ¼I½ ¼Mh½ esa fofufnZ’V vkpkj lafgrk ds izlax esa cSad }kjk 31ekpZ] 2014 dks lekIr foRrh; o’kZ ds fy, rnuqlkj vuqikyuk dh iqf’V dj nh gSA mDr vkpkj lafgrk dks cSad dh osclkbZV ij Hkh n”kkZ;k x;k gSA

d`rs iatkc ,.M fla/k cSad

LFkku % ubZ fnYyhfnukad % 10-05-2014

funs”kd eaMy]

iatkc ,.M fla/k cSad]

ubZ fnYyh

egksn;]

lwphc)rk djkj ds [kaM 49 dh vuqikyuk esa] ge ,rn~ }kjk izekf.kr djrs gSa fd

d- geus 31 ekpZ] 2014 dks lekIr o’kZ dh foRrh; fooj.kh rFkk udnh izokg fooj.kh ¼lesfdr½ dh laeh{kk dh gS rFkk gekjh vf/kdre tkudkjh vkSj fo”okl ds vuqlkj %

¼1-½ bu foojf.k;ksa esa dksbZ fo’k;xr ;FkkFkZ vfHkdFku ugha gS vFkok dksbZ fo’k;xr rF; fNik;k ugha x;k gS vFkok buesa dksbZ Hkzked vfHkdFku “kkfey ugha fd;k x;k gSA

¼2-½ ;s [email protected] cSad ds dk;Zdykiksa dk lgh ,oa Li’V n`f’Vdks.k izLrqr djrs gSa rFkk fo|eku ys[kk ekudksa] ykxw fu;eksa ,oa fofu;eksa ds vuq:i gSaA]

[k- gekjh tkudkjh ,oa fo”okl ds vuqlkj o’kZ ds nkSjku cSad }kjk ,sls dksbZ laO;ogkj ugha fd, x, tks /kks[kk/kM+h esa fyIr gks] xSj dkuwuh gks vFkok cSad dh vkpkj lafgrk ds fo#) gksA

x- ge foRrh; fjiksfVZax ls lEc) vkarfjd fu;a=.kksa dk iw.kZ nkf;Ro Lohdkj djrs gSaA ge ;g Hkh Lohdkj djrs gSa fd geus foRrh; fjiksfVZax dh vkarfjd fu;a=.k dh izHkko”khyrk dk ewY;kadu@vkdyu fd;k gS rFkk geus ys[kk ijh{kdksa vkSj ys[kk lfefr dks vkarfjd fu;a=.kksa ds ifjpkyu ,oa Lo:i ls lEc) dfe;ksa] ;fn dksbZ gS vFkok tks gekjs vfHkKku esa gS ,oa geus bUgsa nwj djus ds tks mik; fd, gSa ;k izLrkfor gSa] dh tkudkjh ns nh gSA

?k- geus ys[kk ijh{kdksa rFkk ys[kk ijh{kk lfefr dks fuEufyf[kr ls voxr djk;k gS%

¼1½ o’kZ ds nkSjku foRrh; fjiksfVZax ds lanHkZ esa vkarfjd fu;a=.k O;oLFkk esa egRoiw.kZ ifjorZu

¼2½ o’kZ ds nkSjku ys[kk uhfr;ksa esa egRoiw.kZ ifjorZu rFkk budk mYys[k foRrh; fof”kf’V;ksa ds [email protected];ksa esa dj fn;k x;k gSA

¼3½ gekjh tkudkjh esa vk, /kks[kk/kM+h laca/kh fof”k’V ekeys rFkk muesa izca/ku vFkok fdlh deZpkjh dh lafyIrrk ftldh foRrh; fjiksfVZax Hkh vkarfjd fu;a=.k iz.kkyh esa vge Hkwfedk gksA

v/;{k ,oa izca/k funs”kdLFkku % ubZ fnYyhfnukad % 10-05-2014

uksV% ;g ewy vaxszth ikB dk fgUnh vuqokn gSA


Punjab & Sind Bank

The Board of Directors

Punjab & Sind Bank

New Delhi

Dear Sirs,

Re: Declaration under Clause 49(I)(D) 2013-14

compliance of the Code of Conduct for the Financial Year ended on 31st March, 2014 in accordance with clause 49 (I) (D) of the Listing Agreement entered into with the Stock Exchanges. The said Code of conduct has been posted on the Bank’s website.

For Punjab & Sind Bank

Place: New Delhi Jatinderbir Singh

Dated:10.05.2014 Chairman & Managing Director

The Board of Directors

Punjab & Sind Bank

New Delhi

Dear Sirs,

Re: CEO/C

Pursuant to clause 49 of the Listing Agreements, we hereby certify that:

(a) We havethat 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.

internal controls, if any, of which we are aware and the steps we have taken or propose to take to rectify these

(d) We have indicated to the auditors and the Audit committee:

reporting.

For Punjab & Sind Bank

Place: New Delhi Jatinderbir Singh

Dated:10.05.2014 Chairman & Managing Director



bl oxZ ds loksZRre cSad dk uke ftl ij :ijs[kk ykxw gksrh gSA

cSad ,sls fdlh oxZ esa ugha vkrk gSA

fu;ked mn~ns”;ksa ds vk/kkj ij rFkk ys[kksa ds lesdu esa fHkUurkvksa dk lkjka”k oxZ ds varxZr vkus okyh izfof"V;ksa dk laf{kIr C;kSjk ¼i½ ftudk iw.kZ :Ik ls lesdu fd;k x;k gS] ¼ii½ ftudk lekuqikfrd vk/kkj ij lesdu fd;k x;k gS] ¼iii½ ftUgsa NwV nh x;h gS] rFkk ¼iv½ ftUgsa u rks lesfdr fd;k x;k gS vkSj u gh NwV nh x;h gSA ¼tSls dksbZ tksf[k+e Hkkfjr fuos”k½

Ykkxw ugha

lHkh lgk;d daifu;ksa dh iw¡th esa dfe;ksa dh dqy jkf”k ftls lesdu esa lfEefyr ugha fd;k x;k vFkZkr~ ftUgsa ?kVk;k x;k gS rFkk ftuds uke ,slh lgk;d dEifu;ksa ls gVk, x, gSaA

Ykkxw ugha

cSad dh dqy jkf”k ¼vFkZkr~ pkyw cgh ewY ½ tks chek dEifu;ksa esa yxh gS] muesa ls tks tksf[k+e Hkkfjr gSa] muds uke] muds fuxeu dk laLFkku ;k vkokl] LokfeRo dk va”k rFkk ;fn fHkUu gS rks bu laLFkkuksa esa esa muds erkf/kdkj “kfDr dk va”kA blds vfrfjDr fu;ked iwaath cuke NwV ds rjhds ds iz;ksx ls gksus okys ek=kREkd izHkko Hkh lwfpr djsaA

Ykkxw ugha

Rkkfydk Mh ,Q 2& iwath lajpuk

yksvj fV;j II iwath gsrq fu;e ,oa 'kraasZa %

cSad us yksvj fV;j II ds ek/;e ls xkS.k _.kksa ds :Ik esa opu&i= ds dwiu tkjh fd, gSa] ftudk Hkqxrku okf"kZd@v/kZokf"kZdvk/kkj ij fd;k tkuk gSA bu ckW.M dks ns”kh nj&fu/kZkj.k ,tsafl;ksa ls fof/kor~ Js.kh fu/kZkfjr djokus ds ckn tkjh fd;k x;k gSA lHkh cdk;k ckW.M flok; fljht+ 6 o fljht+ 7 ds varxZr tkjh] jk"Vhª; LVkWd ,Dlpsat] eqEcbZ esa lwphc) gSaA bu ckW.M dh vU; egRoiw.kZ ckrsa gSa %&

ckW.M dh vof/k buds tkjh djus dh frfFk ls 109 ekg ls 127 ekg ds chp gksrh gSA

;g izi= iw.kZr% pqdrk] izfrHkwfr jfgr rFkk vU; ysunkjksa ds nkoksa ls xkS.k gS] izfrca/kh [k.M ls eqDr gSa vkSj /kkjd ds dgus ij ;k Hkkjrh; fjt+oZ cSad dh lgefr ds fcuk Hkquk, ugha tk ldrs gSaA

;g izi= viuh vof/k ds vafre ik¡p o"kksZa ds nkSjku 20% izfro"kZ dh nj ls Øfed Hkqxrku ds v/khu gSA bl izdkj fd, x, Hkqxrku dh jkf”k dks iwaath i;kZIrrk mn~ns”;ksa gsrq fV;j II iwaath esa “kkfey ugha fd;k x;k gSA

bu izi=ksa ds fuos”kdksa ds nkoksa dks fV;j I iwaath esa “kkfey djus ds fy, ik= izi=ksa ds fuos”kdksa ds nkoksa ls ojh;rk iznku dh xbZ gS rFkk vU; ysunkjksa ds nkoksa ls xkS.k ekuk x;k gSA

xkS.k _.k izi=] cSad dh fV;j I iwaath ds 50% rd lhfer gksaxs rFkk bu izi=ksa ds lkFk fV;j II iwaath ds vU; laxBd fV;j I iwaath ds 100% ls vf/kd ugha gksaxsA

cSad us ,slh dksbZ Hkh vij fV;j II iwaath rFkk uoksUes“k izi= tkjh ugha fd, gSa] tksfd fV;j I iwaath esa lekos”k ds ;ksX; gSaA

:-@dj¨M+

d) fV;j 1 iwath dh jkf“k, fuEu dk vyx Lks ÁdVhdj.k jkf”k+

ÁnRr va”k iwath; 475-28

vkjf{kfr;k¡; 3705-24

Uo¨Ues"kh Ái=; 160-00

vU; iwath Ái=; 0-00

mi ;¨x


Punjab & Sind Bank

BASEL II DISCLOSURES – YEAR ENDED 31ST MARCH 2014

Table DF 1 – SCOPE OF APPLICATION

Qualitative Disclosures(a) The name of the top bank in the group to which the Framework applies.

The Bank does not belong to any group

(b) An outline of differences in the basis of consolidation for accounting and regulatory purposes, with a brief description of the entities within the group (i) that are fully consolidated; (ii) that are pro-rata consolidated; (iii) that are given a deduction treatment; and (iv) that are neither consolidated nor deducted (e.g. where the investment is risk-weighted).

Not Applicable

Quantitative Disclosures

i.e. that are deducted and the name(s) of such subsidiaries.Not Applicable

(d) The aggregate amounts (e.g. current book value) of the bank's total interests in insurance entities, which are risk-weighted as well as their name, their country of incorporation or residence, the proportion of ownership interest and, if different, the proportion of voting power in these entities. In addition, indicate the quantitative impact on regulatory capital of using this method versus using the deduction.

Not Applicable

Table DF 2 – CAPITAL STRUCTUREQualitative disclosures

TERMS & CONDITIONS OF LOWER TIER II CAPITAL:The Bank has issued Lower Tier II Bonds by way of Subordinated Debts in the form of Promissory Notes at Coupon payable annually / semi-annually. These bonds have been issued after getting them duly rated by the Domestic Rating Agencies. All the outstanding Bonds except issued under series VI & VII are listed at the National Stock Exchange Ltd. Mumbai. The other important features of these bonds are :

The bonds have a tenor ranging from 109 months to 127 months from date of the issue.

The instruments are fully paid up, unsecured and subordinated to the claims of other creditors, free of restrictive clauses and not redeemable at the initiative of the holder or without the consent of the RBI.

tenor. Such discounted amounts are not included in Tier – II Capital for Capital Adequacy purposes.

The claims of the investors in these instruments shall rank superior to the claims of investors in instruments eligible for inclusion in Tier I Capital and subordinate to the claims of all other creditors.

Subordinated debt instruments shall be limited to 50% of Tier I capital of the Bank and these instruments, together with other components of Tier II Capital shall not exceed 100% of Tier I Capital.

The Bank has not issued any upper Tier II capital and innovative instruments that qualify for inclusion in Tier I capital.

(`/ Crores)

(a) The amount of Tier 1 capital, with separate disclosure of Amount

Paid-up share capital; 475.28

Reserves; 3705.24

Innovative instruments; 160.00

Other capital instruments; 0.00

SUB-TOTAL 4340.52



?kVk,a:fV;j I iwath Lks de dh xbZ jkf“k;k¡ ftLkesa Lkk[k v©j [;kfr 'kkfey gSa 0-1265

[k) fV;j II iwath dh dqy jkf“k ( fV;j II iwath Lks ?kVkus ds ckn cph dqy jkf“k;k¡) 2141-62

x) mPp fV;j II iwath esa LkfEefyr güs ;¨X; _.k iwath Ái= 'kwU;

dqy cdk;k jkf“k ykxw ugÈ

bLkesa Lks pkyw o"kZ esa mxkgh xbZ jkf“k ykxw ugÈ

iwathxr fuf/k;ä ds :i esa ekus tkus gsrq ik= jkf“k ykxw ugÈ

?k) U;wu fV;j II iwath esa LkfEefyr güs ;¨X; x©.k _.k

dqy cdk;k jkf“k 1365.00

bLkesa Lks pkyw o"kZ esa mxkgh xbZ jkf“k 'kwU;

- iwathxr fuf/k;ä ds :i esa ekus tkus gsrq ik= jkf“k 1215-00

M) iwath Lks vU; dV©fr;k¡] ;fn d¨bZ gSa r¨ 'kwU;

p) dqy ik= iwath

rkfydk Mh ,Q 3 & iwaath i;kZIrrk

cSad us tksf[k+e izca/ku vuqca/k dk fØ;kUo;u djrs le; mPp&dksfV dh oSf”od dk;Z&iz.kkyh dks viukus dh izfØ;k igys ls gh vkjEHk dj nh gS tksfd ckly II dh :ijs[kk ds vuq:Ik gSA

ckly II ls lacaf/kr fofHkUu ekeyksa ij /;ku nsus ds fy, O;kid tksf[k+e izca/ku dk xBu fd;k x;k gSA tksf[k+e Hkkfjr vkfLr;ksa] cktkj tksf[k+e rFkk izpkyu tksf[k+e esa izR;kf”kr o`f) ds en~nsut+j cSad dh iwaathxr vko”;drkvksa dks vkadus ds fy, frekgh vk/kkj ij leh{kk dh tkrh gSA

cSad tksf[k+e mBkus okys ¼ekfydksa½] [kkldj tekdrkZvksa ds fgrksa dh lqj{kk gsrq vuko`Rr]dkjksckj vkfn ds ewY; esa gkfu dh tksf[k+e ls lqj{kk ds :i esa iwaath j[krk gSA

orZeku ,oa Hkkoh dkjksckj dk;Zdykiksa ds vk/kkj ij iwaath vko”;drkvksa dks fu/kZkfjr djus ds fy, cSad esa mfpr iz.kkyh dk;Zjr gS rFkk fujarj mldk vuqJo.k fd;k tkrk gSA cSad dk ekuuk gS fd iwaath miyC/krk laiw.kZ izfØ;k dk dsanzh; fo“k; gS vkSj bldh x.kuk dks uhfr] j.kuhfr] dkjksckj Lrj@la?kVu] i;Zos{kh ljksdkj ,oa izdVu eqn~nksa ls tksM+k tk ldrk gSA bl fn”kk esa cSad us vkarfjd iwaath i;kZIrrk ewY;kadu izfØ;k ¼vkbZlh,,ih½ dk ,d vPNk <kapk rS;kj fd;k gS rFkk LrEHk 1 iwaath x.kuk ds vykok ckly II ds LrEHk 2 ds varxZr Hkh vkof/kd varjky ij iwaath x.kuk dh tkrh gSA cSad us iwath i;kZIrrk ij izfrdwy ncko ifjn`”;ksa ds izHkko dks vkof/kd vk/kkj ij ekius ds fy, ncko tkap uhfr cuk;h gSA

Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa ds vuq:Ik] cSad us u;s iwaath i;kZIrrk <kapk & ckly II dks ykxw djus ds fy, fuEufyf[kr vo/kkj.kkvksa dks viuk;k gS %&

_.k tksf[k+e ds fy, ekudhd`r vo/kkj.kk

ifjpkyukRed tksf[k+e ds fy, ewy lwpd vo/kkj.kk

cktkj tksf[k+e ds fy, ekud vof/k vo/kkj.kk

;|fi cSad us orZeku esa mij¨ä vo/kkj.kkvksa dks viuk;k gS ij buds vkxs dh vo/kkj.kkvksa dh rjQ vxzLkj güs dh rS;kjh Òh 'kq: dj nh gSA

jkf“k- :,/dj¨M+

9 % dh nj Lks ekudhÑr –f"Vd¨.k ds v/khu i¨VZQ¨fy;¨ 4308-66

ÁfrÒwfrdj.k ,DLki¨t+j 'kwU;


Punjab & Sind Bank

LESS: amounts deducted from Tier 1 capital, including goodwill & investments. 0.1265

TOTAL TIER I CAPITAL 4340.40

(b) The total amount of Tier 2 capital (net of deductions from Tier 2 capital) 2141.62

(c) Debt capital instruments eligible for inclusion in Upper Tier 2 capital. NIL

Total amount outstanding. NA

Of which amount raised during the current year NA

Amount eligible to be reckoned as capital funds NA

(d) Subordinated debt eligible for inclusion in Lower Tier 2 capital

Total amount outstanding 1365.00

Of which amount raised during the current year. NIL

Amount eligible to be reckoned as capital funds 1215.00

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

(g) Total eligible capital. 6482.02

Table DF 3 - CAPITAL ADEQUACYQualitative disclosuresBank is already geared up to adopt global best practices while implementing risk management stipulations that are in conformity with the Basel II framework.

Comprehensive risk management architecture is in place to address various issues concerning Basel II. A quarterly review is carried out to assess the capital need of the Bank, keeping in view the anticipated growth in Risk Weighted Assets, Market Risk and Operational Risk.

Bank maintains capital as a cushion towards the risk of loss in value of exposure, businesses, etc., to protect the interest of stake holders, more particularly, depositors.

Bank has system in place for assessing the capital requirements based on current and future business activities and monitoring the same on an ongoing basis. The bank considers that capital availability is the central theme in the whole process and its computation is relatable to policy, strategy, business level/composition, and Supervisory concern and Disclosure issues. Towards this, bank has evolved a well laid down Internal Capital Adequacy Assessment Process (ICAAP) framework and carries out capital calculation under Pillar-2 also of Basel-II at periodical intervals besides Pillar 1 Capital calculation. The bank has formulated Stress Testing policy to measure impact of adverse stress scenarios on the adequacy of capital at periodical intervals.

In line with RBI guidelines, the bank has adopted following approaches for implementation of New Capital Adequacy Framework – Basel II.

Standardised Approach for credit risk

Basic Indicator Approach for operational risk

Standardised Duration Approach for market risk

Though the bank is presently implementing the above Approach, it has started its preparation for moving towards advance approaches.

Capital requirements for credit risk:

Amt. - `/ Crores

Portfolios subject to standardised approach @ 9% 4308.66

Securitisation exposures Nil



LkkekU; ckt+kj t¨f[k+e ij iwath ÁÒkj jkf“k-:./dj¨M+

C;kt nj t¨f[k+e 107-15

fons“kh fofue; t¨f[ke ¼Lo.kZ Lkfgr½ % 0-77

bfDoVh t¨f[k+e 16-70

ifjpkyu t¨f[k++e gsrq iwathxr vko';drk,a %

jkf“k-:i,/dj¨M+

ewy Lkwpd –f"Vd¨.k 298-78

cSad gsrq dqy rFkk fV;j I iwath vuqikr%

ckLky II ds vuqLkkj dqy iwath v©j t¨f[ke Òkfjr vkfLr vuqikr 12-10%

ckLky II ds vuqLkkj fV;j I iwath v©j t¨f[ke Òkfjr vkfLr vuqikr 8-10%

rkfydk Mh ,Q 4 & _.k tksf[k+e % lkekU; izdVhdj.k

cSad us xSj&fu"ikfnr vkfLr;ksa ¼,u-ih-,-½ ds oxhZdj.k ij Hkkjrh; fjt+oZ cSad }kjk tkjh ewy foosdiw.kZ fn”kk&funsZ”kksa dk fuEukuqlkjvuqikyu fd;k gS%

d) tgka fe;knh _.k ds ekeys esa C;kt rFkk @vFkok ewy/ku dh fd”r 90 fnu ls vf/kd vof/k ds fy, vfrns; gksA

[k) Lohd`r lhek esa vkgj.k vf/kdkj ds laca/k esa ;fn [kkrk yxkrkj 90 fnuksa ls vf/kd le; ds fy, vfu;fer cuk jgrk gS] rFkk@vFkok vf/kfod"kZ @udn _.k vks-Mh- lh-lh- ds laca/k esa rqyu&i= dh frfFk rd yxkrkj dksbZ jkf”k tek ugha gksrh gS vFkok tek dh x;h jkf”k mruh i;kZIr ugha gS fd bl vof/k ds nkSjku ukes fd, x, C;kt dks olwy fd;k tk lds rks [kkrk vfu;fer^ gks tkrk gSA

x) cSad }kjk [kjhns x, vkSj Hkquk, x, fcyksa ds ekeys esa tgka fcy 90 fnuksa ls vf/kd vof/k ds fy, vfrns; jgs gksaA

?k) vYi vof/k dh Qlyksa ds fy, ewy/ku dh fd”r vFkok ml ij C;kt ds fy, nks Qlyh ekSle rd vfrns; jgk gksA

M) nh?kZ vof/k dh Qlyksa ds fy, ewy/ku dh fd”r vFkok ml ij C;kt ds fy, ,d Qlyh ekSle rd vfrns; jgk gksA

p) izfrHkwfrdj.k ds fnukad 7 ebZ 2012 ds fn”kk&funsZ”kksa dh “krksZa ds vuqlkj izfrHkwfrdj.k ysu&nsu ds laca/k esa ;fn udnh lqfo/kk dh jkf”k 90 fnuksa ls vf/kd cdk;k jgrh gSA

N) O;qRiUu lkSnksa ds ekeys esa] vfrns; izkfIr;ka tksfd O;qRiUu lafonk ds ldkjkRed cktkj vafdr ewY; dks iznf”kZr djrh gSa] ;fn pqdkSrh dh fofufnZ"V ns; frfFk ls 90 fnuksa rd cdk;k jgrs gSaA

;gka 'vfrns; jkf”k' ls vfHkizk; fdlh Hkh _.k lqfo/kk ds v/khu dksbZ Hkh ns; jkf”k ls gS] ;fn cSad dks fu/kZkfjr ns; frfFk ij bldk Hkqxrku ugha gksrk gSA

Tkgka dgha fdlh frekgh ds nkSjku yxk;k x;k C;kt ml frekgh lekfIr ds 90 fnuksa ds Hkhrj iw.kZ :Ik ls vnk ugha gks tkrk vkSj cSad ds fy, vftZr gksus okyh vk; #d tk, rks ,sls [kkrs dks xSj&fu"ikfnr vkfLr ds :Ik esa oxhZÑr fd;k tk,xkA

mijksDr ds vfrfjDr cSad vkfLr;ksa ds oxhZdj.k ds laca/k esa Hkkjrh; fjt+oZ cSad }kjk tkjh fuEu fn”kk&funsZ”kksa dk Hkh ikyu dj jgk gSA ¼d½ iqulZjafpr [kkrs ¼[k½ vf/kd pys le; ds var% xzLr dk;ZkUo;u ds varxZr ifj;kstuk ¼x½ iksr ynkuksRrj vkiwfrZ drkZ _.k ¼?k½ fu;Zkr ifj;kstuk foRr ¼³½ vf/kxzg.k foRr ¼p½ ljdkjh xkjaVhd`r vfxze ¼N½ ch-,Q-vkbZ-vkj- @Vh-,y-vkbZ- }kjk vuqeksfnr iquoZkl ds varxZr vfxze ¼>½ _.k ekQh ,oa _.k jkgr ;kstuk 2009 ds v/khu fy;k x;k _.k ¼V½ foRrh; vkfLr;ksa dks izfrHkwfrdj.k daiuh @iqufuZek.k daiuh dks cspuk ¼B½ xSj&fu"ikfnr foRrh; vkfLr;ksa dk Ø;&foØ; ¼<½ [kkrksa dk mUu;u ¼.k½ rqyu&i= dh frfFk ds lehi fu;fer fd, x, [kkrs] vkfnA


Punjab & Sind Bank

Capital requirements for market risk: Standardised duration approach

Capital Charge on account of General Market Risk Amt. - `/ Crores

Interest rate risk 107.15

Foreign exchange risk (including gold) 0.77

Equity risk 16.70

Capital requirements for operational risk:

Amt. - `/ Crores

Basic indicator approach 298.78

Total and Tier 1 capital ratio for the Bank:

Total Capital to Risk Weighted Assets Ratio as per Basel II 12.10%

Tier I Capital to Risk Weighted Assets Ratio as per Basel II 8.10%

Table DF 4 - CREDIT RISK : GENERAL DISCLOSURES

Qualitative Disclosures

A. DEFINITIONS OF PAST DUE AN D IMPAIRED:

as under :

a) Interest and / or instalment of principal remain overdue for a period of more than 90 days in respect of a term loan.

b) The account remains ‘out of order' if the outstanding balance remains continuously in excess of sanctioned limit / DP for more than 90 days and / or there are no credits continuously for 90 days as on the date of Balance Sheet or credits are not enough to cover the interest debited during the same period, in respect of Overdraft/Cash Credit (OD/CC).

c) The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted.

d) The installment of principal or interest thereon remains overdue for two crop seasons for short duration crops.

e) The installment of principal or interest thereon remains overdue for one crop season for long duration crops.

f) The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitization transaction undertaken in terms of guidelines on securitization dated May 7, 2012.

g) In respect of derivative transactions, the overdue receivables representing positive mark-to-market value

repayment.

by the Bank.

Where the interest charged during any quarter is not serviced fully within 90 days from the end of the quarter, the

accounts, b) Project under implementation involving time overrun, c) Post shipment Suppliers' Credit. d) Export Project Finance, e) Take over Finance, f) Govt. guaranteed Advance, g) Advance under Rehabilitation approved by BFIR / TLI, h) Advances under Debt Waiver & Debt Relief Scheme 2009, i) Sale of Financial Assets to Securitization Company /Reconstruction Company, j) Purchase/ Sale of Non-Performing Financial Assets, k) Up-gradation of accounts, l) Accounts regularized near about the Balance Sheet date etc.



cSad ds _.k tksf[k+e dkjksckj dh izHkkoh igpku] ewY;kadu] ifjekiu rFkk izca/ku ds fy,] cSad dh tksf[k+e {kerk ds laca/k esa visf{kr lhek rd bls fu;af=r djuk rFkk miyC/k iwaath ds vuq:Ik ykuk gSA bl izfØ;k dks djrs gq, cSad ds _.k tksf[k+e n”kZu dk y{; tksf[k+e esa deh ykuk rFkk mls ml Lrj ds Hkhrj cuk, j[kuk gS tksfd LVkWd/kkjdksa dks bfDoVh lfgr cSad ds foRrh; lalk/kuksa dh lqj{kk lqfuf”pr djus ds lkFk&lkFk cSad dk lrr~ ,oa lqn`<+ fodkl Hkh lqfuf”pr djrk gSA

cSad dh foLr`r ,oa lqifjHkkf"kr _.k uhfr gS] ftlesa uhfrxr ;kstuk ds fofHkUu vk;ke “kkfey gSaA _.k dkjksckj rFkk lkekU; vkfFkZd ,oa cktkj ifjn`”; ds vuq:Ik vfxze fuos”k lwph esa ifjorZuksa dh vis{kkvksa ij fuHkZj djrs gq, cSad le;-le; ij _.k-uhfrdh iqujh{kk djrk gSA cSad dh _.k-uhfr o"kZ esa de ls de ,d ckj funs”kd e.My }kjk O;kid leh{kk ds ds Hkh v/;k/khu gSA cSad dh _.k uhfr esa vU; ckrksa ds lkFk fuEufyf[kr ?kVdksa dk Hkh /;ku j[kk tkrk gS%-

fofHkUu m|ksx ?kVdksa rFkk _.kdRkkZ Jsf.k;ksa esa rdZlaxr lhek dk fu/kZkj.k ,oa fu;a=.kA_.k jsfVax rFkk@vFkok fjVsy ?kVdksa ls laca) tksf[k+e :ijs[kk ij v/kkfjr ewY;kaduA_.kksa ds ewY;kadu] LohÑfr rFkk fuxjkuh ,oa _.k ds laforj.k dh izfof/k;ksa ds fy, izfØ;k ,oa iz.kkyh ls lacaf/kr ekxZn”khZ funsZ”kA _.k jsfVax ÝseodZAfujh{k.k-ra= rFkk fofu;ked ,oa uhfrxr ekxZn”khZ funsZ”kksa dk vuqikyuA

_.k-tksf[k+e izca/ku laxBukRed <k¡pk%

_.k tksf[k+e izca/ku dk;ksZa ds fy, cSad ds laxBukRed <+kaps ds “kh"kZLFk Lrj ij funs”kd-e.My gS] tks tksf[k+e izca/ku dkjksckj ij iwjh fuxjkuh j[krk gSATksf[k+e izca/ku lfefr ¼vkj-,e-lh-½ tks fd funs”kd e.My dh ,d mi-lfefr gS] _.k tksf[k+e lfgr lefUor tksf[k+e izca/ku ds fy, uhfr ,oa j.kuhfr rS;kj djrh gSAIkfjpkyu Lrj ij] _.k tksf[k+e izca/ku lfefr ¼lh-vkj-,e-lh-½ _.k tksf[k+e dk izca/ku djrh gSA blds eq[; dk;ksZa esa funs”kd e.My }kjk vuqeksfnr _.k tksf[k+e izca/ku uhfr;ksa dk cSad O;kih vk/kkj ij dk;ZkUo;u rFkk funs”kd e.My dks _.k tksf[k+e izca/ku lacaf/kr] _.k tksf[k+e dh foosdiw.kZ lhek,a] iksVZQksfy;ksa izca/ku] _.k-mRiknksa vkfn ls lacaf/kr lHkh uhfr;ksa ds vuqeksnu gsrq laLrqfr “kkfey gSA cSad esa _.k vuqeksnu dh izfØ;k dk <+¡kpk cuk gqvk gS vkSj ;g ekudhÑr gS] ftlesa _.k vkdyu dh O;kid izfØ;k “kkfey gSA fdlh Hkh foRr iks“k.k izLrko ds lkFk tqM+s _.k tksf[k+e ds vkdyu djus gsrq cSad _.kh rFkk izklafxd m|ksxksa ds fofo/k _.k tksf[k+eksa dk vkdyu djrk gSAegkizca/kd dh v/;{krk esa tksf[k+e izca/ku foHkkx ¼vkj-,e-Mh-½ funs”kd e.My }kjk fu/kZkfjr lhekvksa ds Hkhrj cSad O;kih vk/kkj ij _.k tksf[k+e dk ifjekiu] fu;a=.k ,oa izca/ku djrk gS vkSj funs”kd e.My@tksf[k+e izca/ku lfefr@_.k tksf[k+e izca/ku lfefr }kjk fu/kZkfjr tksf[k+e ekin.Mksa ds vuqikyu dks ykxw djrk gSA bl nkf;Ro ds fuoZkgu esa tksf[k+e izca/ku foHkkx ds fofHkUu d{k ;Fkk _.k tksf[k+e izca/ku d{k] cktkj tksf[k+e izca/ku d{k ¼,-,y-,e-½ rFkk lapkyuxr tksf[k+e izzca/ku d{k bldh enn djrs gSaAegkizca/kd ds fu;a=.kk/khu fujh{k.k foHkkx ds lkFk-lkFk tksf[k+e izca/ku foHkkx] _.kksa dh xq.koRrk ij fuxjkuh] leL;kvksa dh igpku djuk rFkk dkfe;ksa dks nwj djus dk mik; djrk gSA _.kksa dk iqujh{k.k@_.kksa dh ys[kk ijh{kk dk dk;Z _.k ys[kk ijh{kk ds :Ik esa vyx ls fd;k tkrk gSA

_.k tksf[k+e izca/ku @vYihdj.k ds fy, iz;qDr lk/ku

_.k vuqeksnu drkZ izkf/kdkjh – “kfDr;ksa dk izR;k;kstuA cSad dh cgqfo/k tksf[k+e vk/kkfjr vuqeksnu iz.kkyh ds Hkhrj “kfDr;ksa ds izR;k;kstu dh ,d lqifjHkkf"kr ;kstuk fo|eku gS] ftldh tc dHkh vko”;drk gks] O;olkf;d vko”;drkvksa dh ck/;rkvksa dks iwjk djus ds fy, le;-le; ij iqujh{kk dh tkrh gSAfofHkUu Lo:Ik ds _.kdrkZvksa ds fy, ,dy@lewg _.k lqfo/kkvksa tSlh _.k@fuos”k ds fofHkUu igyqvksa ij rdZlaxr _.k lhek,a izpyu esa gSaAtksf[k+e] jsfVax@ewY;kadu & cSad us fofHkUu ?kVdksa ds fy, jsfVax ekWMy ykxw fd, gq, gSa] tks izfri{k ds cgqfo/k tksf[k+e dkjdksa ds ,dy fcUnq lwpd ds :Ik esa dk;Z djrs gSa rFkk _.k ewY;kadu fu.kZ;ksa esa ennxkj gksrs gSaA _.k cgh dh xq.koRrk ds lrr~ ewY;kadu rFkk _.k iz”kklu esa xq.kkRed lq/kkj ds fy, _.k ys[kk ijh{kk@ _.k iqujh{k.k i)fr ,d izHkkoh midj.k gSAlafoHkkx izca/ku & “kq:vkrh nkSj esa cSad us ,d lk/kkj.k lafoHkkx fuxjkuh ÝseodZ ykxw fd;k gSA Hkfo"; esa cSad vR;k/kqfud lafoHkkx izca/ku ekWMy dks ykxw djsxkA


Punjab & Sind Bank

B. CREDIT RISK MANAGEMENT AND OBJECTIVES:To effectively identify, assess, measure, and manage the credit risk exposure of the Bank, with a view to contain it within desired limits in relation to the risk appetite of the Bank and commensurate with the availability of Capital. In doing so, the Bank's Credit Risk philosophy aims at minimising risk and maintaining it within the

STRATEGIC POLICY OF THE BANK - CREDIT RISK:

loan policy of the Bank is reviewed from time to time, depending on requirements of the changes in loan portfolio and general economic and market scenario. The loan policy is also subjected to a comprehensive review by the Board at least once a year. The loan policy of the Bank addresses, among other things:

Exposure ceilings and prudential caps in different industry segments and borrower categories.

Guidelines relating to procedures and systems for appraisal, sanction, and monitoring of loans and modes of dispensation of credit.

Credit Rating framework.

Inspection mechanism and compliance of regulatory and policy guidelines.

CREDIT RISK MANAGEMENT ARCHITECTURE:The organizational structure of the Bank for Credit Risk Management function has the Board of Directors at the Apex level that has the overall oversight of management of risks.

The Risk Management Committee (RMC) which is the sub-committee of the Board headed by the Chairman & Managing Director devises the policy and strategy for integrated risk management including credit risk.

At the operational level, the Credit Risk Management Committee (CRMC) manages the credit risk. The main function includes implementation of credit risk management policies approved by the Board, monitoring credit risk on a bank wide basis, recommending to the board for its approval all policies relating to credit risk management, prudential limits on credit exposures, portfolio management, loan products etc. There is a structured and standardized credit approval process including a comprehensive credit appraisal procedure.

relating to the borrower and the relevant industry.

The Risk Management Department (RMD) headed by the General Manger, measures, controls and manages credit risk on bank wide basis within the limits set by the Board and enforces compliance with risk parameters set by Board/RMC/CRMC. The RMD is duly supported by Credit Risk Management Cell, Asset Liability Management Cell and Operations Risk Management Cell.

The Inspection Department as well as Credit Monitoring Department headed by a General Manager, monitors

audit is undertaken by the Credit Audit function.

TOOLS USED FOR CREDIT RISK MANAGEMENT / MITIGATION

powers with a multi-tier risk based approving system, which is reviewed periodically and revised as and when necessary to meet the compulsions of business environment.

Prudential Limits on various aspects of credit / investment like Single / Group borrower limits for various types of borrowers are in place.

Risk Rating/Pricing - The bank has introduced rating models for various segments, which serve as a single point indicator of diverse risk factors of a counter party and support credit and pricing decisions.

Credit Audit/Loan review mechanism is an effective tool for constantly evaluating the quality of loan book and to bring about qualitative improvements in credit administration

Portfolio Management - to start with, the bank has introduced a simple portfolio-monitoring framework. Going forward the bank will be graduating to a more sophisticated Portfolio Management model.



tkssf[k+e vkadyu% &

orZeku esa _.k tksf[k+e dks O;fDrxr Lrj ij _.k nj rFkk iksVZQksfy;ks Lrj ij tksf[k+e Hkkfjr vkfLr;ksa ds ek/;e ls fu/kkZfjr fd;k x;k gS rFkk iwath dks tksf[k+e Hkkj vk/kkj ij O;ofLFkr fd;k x;k gSA

ek=kRed ÁdVhdj.k

1- fuf/k-vk/kkfjr _.k jkf“k 57857-74

2- xSj-fuf/k vk/kkfjr _.k jkf“k 3433-43

1

fuf/k vk/kkfjr _.k t¨f[ke 'kwU;

xSj fuf/k vk/kkfjr _.k t¨f[ke 'kwU;

2

fuf/k vk/kkfjr _.k t¨f[ke

57857-74

xSj fuf/k vk/kkfjr _.k t¨f[ke 3433-43

1 [kk|ku ,oa mR[kuu 837-53 107-98 945-51

2 [kk| ÁLkaLdj.k 1176-84 26-43 1203-27

3 csojst ,oa rEckdw 484-77 18-04 502-81

4 diM+k m|¨x 1412-67 58-35 1471-02

5 peM+k&peM+kmRikn 136-02 3-46 139-48

6 dk”B ,oa dk”B mRikn 93-19 3-19 96-38

7 dkxt rFkk dkxt mRikn 102-27 1-29 103-56

8 iSVª¨y/ d¨;yk/ ukÒdh; bZ/ku 60-81 0-29 61-10

9 jLkk;u&jLkk;u mRiknu 520-11 17-12 537-23

10 jcM+, IykfLVd ,oa bLkds mRiknu 196-54 20-57 217-10

11 dkap ,oa bLkds cus mRiknu 12-11 0-31 12-42

12 LkhesaV&LkhesaV mRiknu 252-13 14-36 266-48

13 ewy /kkrq&/kkrq mRiknu 2433-65 195-70 2629-35

14 LkeLr bathfu;Çjx 672-24 135-53 807-77

15 okgu/ okgu dyiwtsZ ,oa VhihVh v©tkj 300-00 127-40 427-40

16 jru v©j vkÒw"k.k 67-88 225-43 293-30

17 fuekZ.k 828-69 329-55 1158-24

18 cqfu;knh Lkqfo/kk;sa 18164-82 895-95 19060-78

19 vU; m|¨x 185-62 29-78 215-40

20 vof“k"V 29919-88 1222-70 31142-58

dqy ;¨x 57857-74 3433-43 61291-17


Punjab & Sind Bank

RISK MEASUREMENT At present Credit Risk is assessed through Risk rating at the individual level and through Risk Weighting of the assets at the portfolio level and capital is maintained based on Risk Weights.

Total gross credit risk exposuresCategory Amt. - `/ Crores

1 Fund Based Credit Exposures 57857.74

2 Non Fund Based Credit Exposures 3433.43

Geographic distribution of exposures

Category Amt. - `/ Crores

1

Overseas Fund Based Credit Exposures

NIL

Non Fund Based Credit Exposures NIL

2

Domestic Fund Based Credit Exposures

57857.74

Non Fund Based Credit Exposures 3433.43

INDUSTRY TYPE DISTRIBUTION OF EXPOSURES Amt. - `/ Crores

Industry Fund Based Non- Fund Based Total

A.MINING & QUARRYING 837.53 107.98 945.51

B.FOOD PROCESSING 1176.84 26.43 1203.27

C.BEVERAGES & TOBACCO 484.77 18.04 502.81

D.TEXTILES 1412.67 58.35 1471.02

E.LEATHER & LEATHER PRODUCTS 136.02 3.46 139.48

F.WOOD & WOOD PRODUCTS 93.19 3.19 96.38

G.PAPER & PAPER PRODUCTS 102.27 1.29 103.56

H.PETRO./COAL/NUCLEAR FUELS 60.81 0.29 61.10

I.CHEMICALS & CHEMICAL PROD. 520.11 17.12 537.23

J.RUBBER,PLASTIC & ITS PROD. 196.54 20.57 217.10

K.GLASS & GLASSWARE 12.11 0.31 12.42

L.CEMENT AND CEMENT PROD. 252.13 14.36 266.48

M.BASIC METAL & METAL PROD. 2433.65 195.70 2629.35

N.ALL ENGINEERING 672.24 135.53 807.77

O.VEHCLES/V.PARTS/TPT.EQPM. 300.00 127.40 427.40

P.GEMS & JEWELLARY 67.88 225.43 293.30

Q.CONSTRUCTIONS 828.69 329.55 1158.24

R.INFRASTRUCTURE 18164.82 895.95 19060.78

S.OTHER INDUSTRIES 185.62 29.78 215.40

T.RESIDUARY 29919.88 1222.70 31142.58

Grand Total 57857.74 3433.43 61291.17



mYys[kuh; ÁdVhdj.k m|¨x tgka dqy ÁdVhdj.k, dqy vk/kkfjr fuf/k rFkk xSj fuf/k vk/kkfjr ÁdVhdj.k ds 5%Lks vf/kd gS:

1- cqfu;knh Lkqfo/kk;sa 19060-78

2- vof“k"V 31142-58

1 fnu 547-63 0-39 30-18 221-23 584-18 0-002-7 fnu 1044-21 346-32 0-74 17-80 1547-94 380-008-14 fnu 1473-68 292-94 5-08 24-86 2016-91 0-0015-28 fnu 2270-23 480-30 12-12 50-09 3564-36 0-0029 fnuksa ls 3 ekg 6617-49 4076-32 29-91 191-97 11947-63 40-003 ekg ls vf/kd ls 6 ekg rd 3844-42 36-69 32-33 73-03 10739-15 200-046 ekg ls vf/kd ls 1 o"kZ rd 7320-15 899-81 94-68 0-00 27745-45 0-001 o"kZ ls vf/kd ls 3 o"kksa rd 14495-39 2417-71 92-77 0-00 13121-22 150-003 o"kksZa ls vf/kd ls o"kksZa d 9011-54 5874-52 8-70 0-00 4321-80 100-00

5 o"kksaZ ls vf/kd 10614-33 13869-11 0-00 0-00 9141-52 1435-00dqy 57239-07 28294-11 306-51 578-98 84730-17 2305-04

1- voLrjh; 1494-812- LkafnX/k 1 672-153- LkafnX/k 2 346-994- LkafnX/k 3 13-335- gkfu 26-24

:/dj¨M+

fuoy-ih-, 1918-60

1- Lkdy vfxze dk Lkdy ,u-ih-, 4-41%

2- fuoy vfxze dk fuoy ,u-ih-, 3-35%

jkf“k-:- /dj¨M+

vFk“ks”k 1536-90

teka 1619-61

deh 602-99

bfr“ks”k 2553-52


Punjab & Sind Bank

Industry where the Total Exposure is more than 5% of Total Fund based and Non-fund based exposure:

Amt. - `/ Crores

S.No. Industry Exposure

1 Infrastructure 19060.78

2 Residuary 31142.58

RESIDUAL CONTRACTUAL MATURITY BREAKDOWN OF ASSETSAmt. - `/ Crores

Maturity Pattern (Time Buckets)

Loans & Advances Investments (Book Value)

Foreign Currency Deposits Borrowings

Liabilities Assets

1 day 547.63 0.39 30.18 221.23 584.18 0.00

2-7 days 1044.21 346.32 0.74 17.80 1547.94 380.00

8-14 days 1473.68 292.94 5.08 24.86 2016.91 0.00

15-28 days 2270.23 480.30 12.12 50.09 3564.36 0.00

29 days to 3 months 6617.49 4076.32 29.91 191.97 11947.63 40.00

Over 3 months to 6 months 3844.42 36.69 32.33 73.03 10739.15 200.04

Over 6 months to 1 year 7320.15 899.81 94.68 0.00 27745.45 0.00

Over 1 year to 3 years 14495.39 2417.71 92.77 0.00 13121.22 150.00

Over 3 years to 5 years 9011.54 5874.52 8.70 0.00 4321.80 100.00

Over 5 years 10614.33 13869.11 0.00 0.00 9141.52 1435.00

TOTAL 57239.07 28294.11 306.51 578.98 84730.17 2305.04

Amount of NPAs (Gross)Category Amt. - `/ Crores

1 Substandard 1494.81

2 Doubtful 1 672.15

3 Doubtful 2 346.99

4 Doubtful 3 13.33

5 Loss 26.24

Net NPAs Amt. - `/ Crores

Net NPAs 1918.60

NPA RatiosCategory Percent

1 Gross NPAs to Gross advances 4.41%

2 Net NPAs to Net advances 3.35%

Movement of NPAs (Gross)Amt. - `/ Crores

Opening Balance 1536.90

Additions 1619.61

Reductions 602.99

Closing Balance 2553.52



vFk“ks"k 412.56o"kZ ds n©jku fd, x, Áko/kku 564.68cV~Vs [kkrs Mkyuk

358.57vf/kd Áko/kkuä dk iqujkadu

bfr“ks"k 618.67

jkf“k-:./dj¨M+

xSj fu"ikfnr fuos“kä dh jkf“k 59.04

jkf“k-: / dj¨M+xSj fu"ikfnr fuos“kä ds fy, Áko/kku 33.45

jkf“k-:./dj¨M+vFk“ks"k 22.73o"kZ ds n©jku fd, x, Áko/kku 9.55cV~Vs [kkrsMkyuk 'kwU;vf/kd Áko/kkuä dk iqujkadu 13-23bfr“ks"k 19-05

rkfydk Mh-,Q- 5 & _.k tksf[k+e % ekudhd`r n`f"Vdks.k ds varxZr lafoHkkx dk izdVhdj.k

1- cSad us lh-vkj-,-vkj- ifjdyu gsrq ekudhd`r n`f"Vdks.k ds varxZr tksf[k+e Hkkj fu/kkZj.k djus ds fy, fuEu Js.kh fu/kkZjd ,tsfUl;ksa dh lkekU; jsfVax dk mi;ksx djuk vuqeksfnr fd;k gSA ?kjsyw nkoksa ds fy, fdzfly] vkbZlhvkj,] bafM;k jsfVax] fczdodZ] ,l,ebZvkj, rFkk ds;j ,oa vfuoklh dkWjiksjsV] fons”kh cSadksa rFkk fons”kh ljdkj ds nkoksa ds fy, ,l ,.M ih] fQp rFkk ewMht dks vuqeksfnr fd;k gSA Hkkjrh; fjtoZ cSad dh ifjHkk"kk ds vuqlkj bu leLr ,tsfUl;ksa dk Js.kh fu/kkZj.k leLr izdkj ds _.k tksf[k+eksa ds fy, iz;ksx esa yk;k tk jgk gSA ckly&II ds varxZr lhvkj,vkj ifjdyu gsrq ekudhd`r n`f"Vdks.k ds varxZr tksf[k+e Hkkj ds fy, Js.kh dk fu/kkZj.k fd;k tk jgk gSA

3- cSafdax cfg;ksa esa rqYkukRed vkfLr;ksa ij vk/kkfjr Js.kh fu/kkZj.k ds vk/kkj ij lkoZtfud fuxZe ds varj.k ds fy, iz;ksx esa ykbZ xbZ izfdz;k Hkkjrh; fjt+oZ cSad dh fofy;ked vfuok;Zrk ds vuq:Ik gSA Js.kh fu/kkZjd ,tsfUl;ksa }kjk izdkf”kr lkoZtfud Js.kh fu/kkZj.k mudh osclkbZV ij Hkh miyC/k gS] ftldk mn~ns”; gsrq mi;ksx fd;k x;k gSA lEcfU/kr Js.kh fu/kkZjd ,tsUlh ds ekfld cqysfVu ds vuqlkj ykxw Js.kh rFkk ftldh de ls de xr 15 ekg esa ,d ckj leh{kk dh tk pqdh gS] dk bl mn~ns”; gsrq iz;ksx fd;k x;k gSA

4- tgk¡ izR;sd _.k tksf[k+e dk Js.kh fu/kkZj.k dsoy ,d vuqeksfnr Js.kh fu/kkZj.k ,tsUlh }kjk fd;k x;k gS] ds viokn dks NksM+dj izfri{k fo”ks"k ij leLr _.k tksf[k+e ds fy, cSad us dsoy ,d ,tsUlh ds Js.kh fu/kkZj.k dk iz;ksx fd;k gS ;|fi bu _.k tksf[k+eksa dk ,d ls vf/kd ,tsfUl;ksa }kjk Js.khdj.k fd;k x;k gSA

5- tksf[k+e Hkkj gsrq ik=rk ds fy, ;g lqfuf”pr fd;k tkrk gS fd ckgjh _.k ewY;kadu RkFkk cSad }kjk mls iznRr leLr Hkqxrku vFkkZr ewy jkf”k rFkk C;kt ds lEcU/k esa] _.k tksf[k+e ,Dlikst+j dh iwjh jkf”k “kkfey djrk gS rFkk izfrfcafcr djrk gSA tksf[k+e Hkkj ds fy, dkWjiksjsV xzqi esa ,d dEiuh ds fy, ckgjh fu/kkZj.k dk iz;ksx mlh xqzi dh vU; dEifu;ksa ds ckgjh fu/kkZj.k ds fy, iz;ksx ugha fd;k x;k gSA

6- vkfLr;ka ftudh lafonkxr ifjiDork ,d o"kZ ;k mlls de gS] ds fy, vYikof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gS tcfd vU; vkfLr;ksa ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gSA udn m/kkj ,Dlikst+j ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gSA

7- tgk¡ tkjhdrkZ dk ,d nh?kkZof/k ,Dlikst+j gS ftl ij ckgjh nh?kkZof/k Js.kh fu/kkZj.k ds vuqlkj 150 izfr”kr tksf[k+e Hkkj vHkh"V gksrk gS] mlh izfri{k ds leLr xSj&Js.khxr nkos pkgs os vYikof/k gksa ;k nh?kkZof/k ij 150 izfr”kr tksf[k+e Hkkj ekuk tk,xk] flok; ,sls nkokas esa tgkWa tksf[k+e de djus dh rduhd iz;ksx esa ykbZ xbZ gks vYikof/k Js.kh fu/kkZj.k ij Hkh ;gh ykxw gksxkA

8- vuqeksfnr Js.kh fu/kkZj.k ,tsfUl;ksa }kjk nh?kkZof/k Js.kh fu/kkZj.k dks nh?kkZof/k _.k tksf[k+e Hkkj ds fy, ekudhd`r n`f"Vdks.k ds varxZr tksf[k+e Hkkj esa izR;{k :i ls “kkfey fd;k tkrk gSA blds foijhr izfri{k ij xSj fu/kkZfjr vYikof/k nkos] ml izfri{k


Punjab & Sind Bank

Movement of Provisions for NPAsAmt. - `/ Crores


Provisions made during the period 564.68

Write-off 358.57

Write-back of excess provisions


Amount of Non-Performing InvestmentsAmt. - `/ Crores

Amount of Non-Performing Investments 59.04

Amount of provisions held for non-performing investmentsAmt. - `/ Crores

Provisions held for non-performing investments 33.45

Movement of provisions for depreciation on investmentsAmt. - `/ Crores



Write-off Nil

Write-back of excess provisions 13.23


Table DF 5 - CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STANDARDISED APPROACH

Qualitative Disclosures1. The Bank has approved using the general rating of the following credit rating agencies for risk weighting under

the standardized approach for CRAR calculations CRISIL, ICRA, India Rating, SMERA, BRICKWORK and CARE for domestic claims and S&P, FITCH and Moody's for claims on non-resident corporates, foreign banks and foreign sovereigns.

The ratings of all these agencies are being used for all exposures subjected to rating for risk weighting purposes

3. The process used to transfer public issue ratings on to comparable assets in the banking book is as per regulatory requirements of RBI. The public ratings published by the rating agencies on their website are used for this purpose. Only, ratings which are in force as per monthly bulletin of the concerned rating agency and which have been reviewed at least once during the previous 15 months are used.

4. For all the exposures on a particular counterparty, bank uses the rating of only one agency, even though these exposures are rated by more than one with exception being where each of the exposures is rated by only one of the approved rating agencies.

5. To be eligible for risk-weighting purposes, it is ensured that the external credit assessment takes into account

both principal and interest. External assessments for one entity within a corporate group is not used to risk weight other entities within the same group.

6. For assets that have contractual maturity less than or equal to one year, short term ratings are used while for other assets, long term ratings are used. For Cash Credit exposures long term ratings are taken.

7. Where an issuer has a long-term exposure with an external long term rating that warrants a risk weight of 150%, all unrated claims on the same counterparty, whether short-term or long-term, also receive a 150% risk weight, except incases where credit risk mitigation techniques are used for such claims. Similar is the case with short-term rating.



8- vuqeksfnr Js.kh fu/kkZj.k ,tsfUl;ksa }kjk nh?kkZof/k Js.kh fu/kkZj.k dks nh?kkZof/k _.k tksf[k+e Hkkj ds fy, ekudhd`r n`f"Vdks.k ds varxZr tksf[k+e Hkkj esa izR;{k :i ls “kkfey fd;k tkrk gSA blds foijhr izfri{k ij xSj fu/kkZfjr vYikof/k nkos] ml izfri{k ij Js.khxr vYikof/k nkos ds fy, tksf[k+e Hkkj ls de ls de ,d Lrj Åij dk tksf[k+e Hkkj ykxw gksxkA cSad ds fo#) nj fu/kkZj.k lqfo/kk ls mRiUu tksf[k+e Hkkj nkoksa ds vkdyu gsrq fof”k“V :i ls tkjh de vof/k okyh izfrHkwfr;ksa dks iz;ksx fd;k tkrk gS rFkk de vof/k okyh dkWjiksjsV nj fu/kkZfjr izfrHkwfr;ksa dks xSj&fu/kkZfjr nh?kkZof/k nkoksa gsrq tksf[k+e Hkkj leFkZu ds fy, iz;ksx esa ugha yk;k tkrkA

9- ;fn ik= _.k fu/kkZj.k ,tsfUl;ksa }kjk nks Js.kh fu/kkZj.k dh xbZ gSa ftlesa nks vyx&vyx tksf[k+e Hkkj vafdr fd, x, gSa] ogka mPPkrj tksf[k+e Hkkj ykxw fd;k tkrk gSA ;fn ik= _.k Js.kh fu/kkZj.k ,tsfUl;ksa }kjk rhu ;k vf/kd Js.kh fu/kkZfjr dh xbZ gS ftlesa tksf[k+e Hkkj vafdr fd, x, gSa] ogk¡Wa nks U;wure tksf[k+e Hkkj esa ls nwljk mPprj tksf[k+e Hkkj ykxw fd;k x;k gSA

10- tgkWa¡ fo”ks"k fu/kkZfjr ekeyksa esa nkok fuos”k ugha gS] fuos”k nkoksa ij tksf[k+e Hkkj p;fur _.k Js.kh oxhZdj.k ,tsUlh }kjk fo”ks"k Js.kh fu/kkZj.k ij vk/kkfjr gSaA

I) _.k fo”ks"k ds fy, ykxw Js.kh fu/kkZj.k ¼tgk¡Wa Js.kh oxhZdj.k ds tksf[k+e Hkkj xSj&Js.khd`r ekeyksa ij ykxw tksf[k+e Hkkj ls de gS½ cSad ds dsoy xSj&fu/kkZfjr nkoksa ij ykxw gS] tgkWa oxhZd`r ekeyk ,d vYikof/k vfuok;Zrk gS ;fn og nkok le:Ik oxhZd`r gS ;k gj izdkj ls fof”k“V oxhZd`r _.k ls vf/kd gS rFkk xSj &fu/kkZfjr ekeyksa dh ifjiDork fu/kkZfjr ekeyksa dh ifjiDork dss ckn ugha gS] dks NksM+dj cSad ds dsoy xSj&fu/kkZfjr ekeys ij ykxw gSA

II) ;fn tkjhdrkZ ;k ,dy fuxZe ds fy, xSj&fu/kkZfjr ekeyksa ds fy, ykxw tksf[k+e Hkkj ls vf/kd ;k mlds cjkcj tksf[k+e Hkkj fu/kkZj.k fd;k x;k gS rks ml izfri{k ij xSj&fu/kkZfjr ekeyksa ds fy, ogh tksf[k+e Hkkj fu/kkZfjr gksxk tksfd _.k tksf[k+e Hkkj ij ykxw gksxk] ;fn ;g nkok mlds lkFk&lkFk ;k gj izdkj ls fu/kkZfjr _.k tksf[k+e Hkkj ls de gSA

ekudhÑr –f"Vd¨.k j[krs gq, t¨f[ke de djus ds ckn t¨f[ke Òkj jkf“k

jkf“k-:./dj¨M+

100% t¨f[ke Òkj Lk sde 32263.37 21754.30 10509.08

100%t¨f[ke Òkj 20142.59 14377.32 5765.27

100%t¨f[ke Òkj Lk svf/kd 6121.57 1539.32 4582.26

dV©rh 0.00 0.00 0.00

1- laLFkk ds vtZu ds ?kkVs ls cpkus ds fy,] _.k tksf[k+e de djds jktLo o`f) djuk izca/ku dk izeq[k midj.k gSA cSad vius

nSfud ifjpkyu ds nkSjku _.k tksf[k+eksa dks de djus ds fy, vusd rjhds vkSj rduhd viukrs gSaA ifjiDork vlarqyu] eqnzk vlarqyu vkSj ewY; lek;kstu ds i”pkr~] iwath izHkkj dks de djus gsrq i;Zos{kd us _.k tksf[k+e de djus ds mik;ksa dh vuqefr nh gSA u, iwath i;kZIrrk QzseodZ ¼ckly&II½ ds varxZr igpkus x, _.k tksf[k+e de djus ds fofHkUu dkjd ¼lh-vkj-,e-½ fuEu gSa %&

lEikf”oZd lapkyu

vkWu&cSysal&”khV&usfVax

xkjafV;k¡Wa

ekud n`f"Vdks.k ds varxZr lHkh lEikf'oZdksa dks _.k tksf[k+e de djus gsrq ugha ekuk x;k gSA igpkuh xbZ foRrh; lEikf'oZdksa fuEufYkf[kr gSa%&


Punjab & Sind Bank

8. The long-term ratings assigned by the approved rating agencies are directly mapped to the risk weights under the Standardised Approach for long-term exposures. On the contrary, the unrated short-term claim on counter-party attracts a risk weight of at least one level higher than the risk weight applicable to the rated short-term

from the rated facility against banks and a corporate's short-term rating is not used to support a risk weight for an unrated long-term claim.

9. If there are two ratings accorded by eligible credit rating agencies, which map into different risk weights, the higher risk weight is applied. If there are three or more ratings accorded by eligible credit rating agencies with different risk weights, the ratings corresponding to the two lowest risk weights are referred to and the higher of those two risk weights are applied, i.e., the second lowest risk weight.

applies to an unrated claim) is applied to the bank's un-assessed claim only if this claim ranks pari passu

the maturity of the rated claim, except where the rated claim is a short term obligation.

ii) if either the issuer or single issue has been assigned a rating which maps into a risk weight equal to or higher than that which applies to unrated claims, an unrated claim on the same counterparty, is assigned the same risk weight as is applicable to the rated exposure, if this claim ranks pari passu or junior to the rated exposure in all respects.

Exposure amounts after risk mitigation subject to the standardized approach Amt. - `/ Crores

Risk Weight Category Exposure After Credit Risk Mitigation

Un-Rated Exposure Rated Exposure

Below 100 % risk weight 32263.37 21754.30 10509.08

100 % risk weight 20142.59 14377.32 5765.27

More than 100 % risk weight 6121.57 1539.32 4582.26

Deducted 0.00 0.00 0.00

TOTAL 58527.53 37670.94 20856.61

Table DF 6 - CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACHES

Qualitative Disclosures1. Credit Risk Mitigation is a proactive management tool designed to enhance revenue growth, while protecting an

entity's earnings from loss. Banks employ various methods and techniques to reduce the impact of the credit risks they are exposed to in their daily operations. Some of the credit risk mitigation techniques are permitted to be used by the supervisor for reducing the capital charge after adjustment for value, currency mismatch and maturity mismatch. Various Credit Risk Mitigants (CRM) recognized under the New Capital Adequacy Framework (Basel II) are as follows:

Collateralised transactions

On-balance-sheet-netting

Guarantees

All collaterals are not recognised as credit risk mitigants under the Standardised Approach. The following are



3-½ dsUnz vkSj jkT; ljdkjksa }kjk tkjh izfrHkwfr;k¡Wa A

4-½ fdlku fodkl&i= vkSj jk"Vzh; cpr&i=A

5-½ thou&chek ikWfyfl;kWa¡A

6-½ _.k&izfrHkwfr;kWa % “krksaZ ds vuqlkj oxhZd`rA

7-½ cSad }kjk “krksZa vuqlkj tkjh voxhZd`r _.k&izfrHkwfr;k¡WaA

8-½ “krksZsa vuqlkj E;wP;qvy QaMksa ds ;wfuV~lA

lEikf”oZd lapkyu esa iwath jkgr izkIr djus ds fy, dqN vfrfjDr ekunaM gSa ftudk lh/ks rkSj ij lEikf”oZd izca/ku ij izHkkj iM+rk gS vkSj lEikf”oZd izca/ku ds nkSjku bu igyqvksa dks /;ku esa j[kk tkrk gSA

vkWu&cSysal&”khV&usfVax dsoy _.k@vfxzeksa ¼_.k tksf[k+e ds :i esa ekU;½ vkSj tekvksa ¼lEikf”oZd ds :i esa ekU;½ rd gh lhfer gS tgkWa cSad ds ikl dkuwuh :i ls ykxw usfVax izca/k gS ftlesa fo”ks“k xzg.kkf/kdkj izys[kksa dh tkWap dh tkrh gS vkSj ftudk fuoy vk/kkj ij izca/ku fd;k tkrk gSA

tgkWa¡ xkjafV;kWa¡ lh/ks rkSj ls] lqfuf”pr] vfodYih vkSj “krZjfgr gSa] cSad iwath i;kZIrrk dh lax.kuk djrs le; ,sls _.k laj{k.k dks /;ku esa j[krk gSA ik= xkjaVjksa@izfr xkjaVjksa ds oxZ esa lfEefyr gSa %

I) lEizHkq] lEizHkqrk izkIr laLFkk,a ¼ch-vkbZ-,l-] vkbZ-,e-,Q-] ;wjksfi;u lsaVªycSad vkSj ;wjksfi;u leqnk; ds lkFk mYYksf[kr ,e-Mh-ch-,l-] bZ-lh-th-lh- ,oa lh-th-Vh-,l-,e] bZ lfEefyr gSa½] cSad vkSj izkbZejh Mhyj tks izfr i{k ls de Hkkfjr tksf[k+e;qDr gSaA

II) vU; laLFkk,a ftudks ,, ;k mlls csgrj jsfVax izkIr gSA

cSad vfHkeq[khdj.k ds izfr lHkh izdkj dh izfrHkwfr;kWa Lohdkj djrk gSA fQj Hkh ckly&II ds fu;eksa ds vuqlkj] _.k tksf[k+eksa dk leatu ls iwoZ] ik= lEikf”oZdksa ij fopkj fd;k tkrk gS vkSj mudk mfpr mipkj fd;k tkrk gSA cSad ds ikl _.k tksf[k+e de djuss dh ,d foLr`r ikWfylh gS vkSj izfrHkwfr;kssa ds ewY;kadu djus ds fn”kk&funsZ”k miyC/k gSaA cSad xkjaVjksa dh jsfVax djrs le; izfr ikVhZ ls csgrj xkjaVhdrkZvksa dh jsfVax ds ekeyksa esa] ik= xkjafV;ksa dk laKku djrk gSA blds vfrfjDr _.k lqj{kk ds fy, dsanzh; ljdkj] jkT; ljdkj] bZ-lh-th-lh- vkSj lh-th-Vh- doj dks Hkh mi;qDr tksf[k+e Hkkj yxkrs le; /;ku esa j[kk tkrk gSA

ek=kRed ÁdVhdj.k

ekud –f"Vd¨.k ds varxZr _.k t¨f[ke LkafoÒkx dk ÁdVhdj.k, doj fd;k x;k dqy _.k t¨f[ke ik= foŸkh; ÁfrÒwfr dV©rh djus ds Smijkar- dj¨M+ :i,

rkfydk Mh-,Q- 7- izfrHkwfrdj.k% ekudhd`r n`f"Vdks.k ds fy, izdVhdj.k

1-1 mfpr ewY; ij ¼vkfLr vk/kkfjr izfrHkwfrdj.k@ca/kd ds ek/;e ls ½ cSad ds lalk/kuksa dks c<+kukA

1-2 t:jr iM+us ij] ifjiDork varj dks de djus ds fy,] mRre vkfLr ns;rk izca/ku gsrq yEch le;kof/k dh vkfLr;ksa dks cspk tk ldrk gSA

1-3 cSad dh lao`f) dks izHkkfor fd, fcuk n{krk ls iwath dks"k dh O;oLFkk djus ds fy,A iwath dh nqyZHkrk ds ckotwn O;olk; dh fujarjrk rFkk vkfLr;ksa ds vkorZu gsrqA

1-4 fuf/k;ksa ds u, lzksrksa dk mi;ksx rFkk orZeku fuf/k;ksa ds lk/kuksa dk fofo/khdj.kA

1-5 izfrykHk dks c<+kus ds fy, vkfLr;ksa dk tYnh tYnh Ø;&foØ; A

1-6 _.k lafoHkkx ds mfpr izca/ku ds fy, mPp laØsUnz.k ds {ks=ksaesa vkfLr;ksa dks fdjk, ij ysdj] cSad bu {ks=ksa esa vfrfjDr O;olk; djuk tkjh j[kus dh fLFkfr esa gksxk vkSj bl rjg cktkj esa viuk fgLlk] xzkgd laca/k bR;kfn cjdjkj j[k ldrk gSA

2- vf/k”ks"k fuf/k;ksa dk vfHkfu;kstu %ihVhlh ds fy, vfHknku djds ;k fQj mfpr izfrykHk nj okys _.kksa ds f}i{kh; vkoaVu ds ek/;e ls vkfLr;ksa dh [kjhn }kjk vf/k”ks"k fuf/k;ksa ds Fkksd vfHkfu;kstu dk Hkh ,d lk/kuA


Punjab & Sind Bank

i) Cash and Deposits including deposits in foreign currency.

ii) Gold: benchmarked to 99.99% purity.

iii) Securities issued by Central and State Governments

v) Life insurance policies

vi) Debt securities -Rated subject to conditions.

vii) Debt securities not rated issued by banks subject to conditions

viii) Units of mutual funds subject to conditions

There are certain additional standards for availing capital relief for collateralized transactions, which have direct bearing on the management of collaterals, and these aspects are taken into account during Collateral Management.

3. On-balance-sheet-netting

and which are managed on a net basis.

4. Guarantees Where guarantees are direct, explicit, irrevocable and unconditional, bank takes account of such credit protection in calculating capital requirements. The range of eligible guarantors / counter guarantors include:

Sovereigns, sovereign entities (including BIS, IMF, European Central Bank and European Community as well

counterparty;

Other entities rated AA or better.

The Bank accepts all types of collaterals against exposures. However, for Basel-II norms, the eligible collaterals are considered and given appropriate treatment before they are set-off against exposures. The bank has a well laid-out Credit Risk Mitigation & Collateral management Policy and also guidelines for valuation of collaterals. The Bank also takes cognizance of eligible guarantees and substitution of rating of guarantor(s) in cases where these are better than that of the counter-party. Besides, for purposes of credit protection, Central Govt., State Govt., ECGC and CGFT coverages are also taken into account to apply appropriate risk weights.

collateral; after the application of haircuts – ` 2491.56 crore

Table DF 7- SECURITISATION: DISCLOSURE FOR STANDARDISED APPROACHQualitative Disclosures

Objective of Policy on Securitization of Assets

1. For Raising Resources

1.1 To raise resources for the Bank (through mortgage/ asset backed securitization) at a reasonable cost.

1.2 For better asset liability management as long tenure assets can be disposed off, IN CASE OF NEED, to reduce the maturity mismatches.

to book business even while capital availability is scarce.

1.4 To access to new source of funding and diversify the existing funding sources.

1.5 To maximize the returns by churning assets fast.

1.6 For better managing the credit portfolio. By hiring of assets in sectors of high concentration, the Bank would be in a position to continue to book additional business in these sectors and hence maintain market share, client relationship etc.



cSad us izfrHkwfrdj.k ds varxZr _.k lafoHkkx dks fdlh vU; laLFkk ¼vksa½ dks ugha cspk gSA

rkfydk Mh-,Q- 8- VªsfMax cqd esa ckt+kj tksf[k+e

cktkj t¨f[ke dk vk“k; C;kt nj¨ esa ifjorZu, fons“kh eqæk njä, cktkj ewY;ä ,oa ifjorZuh;rk Lks güs okys Òfo"; dh vk; dh vfuf'prrk Lks gSA cSad ;g ekurk gS fd cktkj t¨f[ke esa mLkds m/kkj / _.k nsus rFkh tek ysus tSLks O;oLkk;ä v©j fuos“k xfrfof/k;ä ;Fkk LFkku xzg.k djuk ,oa O;kikj djuk Òh 'kkfey gSA cktkj t¨f[ke dk fuos“k uhfr;ä ds vuqLkkj Áca/ku fd;k tkrk gS, ftLkdk vuqe¨nu c¨MZ }kjk fd;k tkrk gSA ;s uhfr;ä, ÁfrÒwfr;ä ds Ápkyu, fons“kh eqæk rFkk vU; mRiknä d¨ Lkqn+<+ ,oa Lohdk;Z O;kikj / dk;Z ÁfØ;kvksa ds vuqLkkj gük Lkqfuf'pr djrh gS v©j tgka rd g¨ Lkds ;s fofu;ked fn“kk-funsZ“kä ds vuqLkkj forh; ÁfrÒwfr;ä ds varj.k d¨ 'kkfLkr djus okys fo/kkuä rFkk foŸkh; ifjos“k ds vuqLkj.k esa dk;Z djrs gSaA O;kikj dh iqLrdä esa cktkjt¨f[ke dk vkdyu ekudhÑr vkof/kd vfÒ:[k ds vuqLkkj fd;k tkrk gSA VªsÇMx (O;kikj) ds vk;¨tu gsrq rFkk foØ; ds fy, miyC/k i¨VZQ¨fy;¨ ds vuqLkkj iwathxr pktZ dh Lkax.kuk Òkjrh; fjt+oZ cSad ds ÁwMsf“k;y fn“kk-funsZ“kä ds vuqLkkj dh tkrh gSA

cktkj t¨f[ke Áca/ku ds mÌs'; :

cktkj t¨f[ke Áca/ku ds mÌs'; fuEu Ái= gSa:

ifjLkekfIr dk Áca/ku

C;kt nj t+¨f[ke ,oa fofue; nj t¨f[ke dk Áca/kufuos“k i¨VZQ¨fy;¨ dk mfpr oxÊdj.k ,oa ewY;kadufuos“kä rFkk O;qRiknä inkFkäZ dh i;kZIr ,oa mfpr fji¨ÉVxfofu;ked vis{kkvksa dk vuqikyu

ek=kRed ÁdVhdj.k

Iwakth vko';drk jkf“k– :/- dj¨M+

C;kt nj t¨f[ke 68-40

'ks;j fLFkfr t¨f[ke 20-96

fons“kh fofue; t¨f[ke 0.77

rkfydk Mh-,Q- 9- ifjpkyuxr tksf[k+e

cSasd us ifjpkyuxr tksf[k+e izca/ku rFkk O;olk; fujarjrk vk;kstu o vkink olwyh izca/ku ij uhfr;kWa rS;kj dh gSaA cSad dk funs”kd&e.My okf“kZd vk/kkj ij bu uhfr;ksa dh leh{kk djrk gSA cSad tksf[k+e] gkfu vkadM+ksa ds laxzg.k dh izfdz;k esa yxk gSA

ifjpkyukRed tksf[k+e lEcU/kh uhfr ds vuqlkj dk;Zdkjh funs“kd dh v/;{krk esa ifjpkyukRed tksf[k+e izca/ku lfefr ¼vks- vkj-,e- lh½ xfBr dh xbZ gSA vks-vkj-,e-lh- dh fu;fer cSBdsa izR;sd frekgh esa de ls de ,d ckj vk;ksftr dh tkrh gSA “kk[kkvksa dh vkWu lkbZV tksf[k+e vk/kkfjr vkarfjd ys[kk&ijh{kk ¼vkj-ch-vkbZ-,-½ cSad dk fujh{k.k lEiUu djrk gSA 3 djksM+ #i;s ls Åij ds lHkh _.k izLrkoksa] lhekvksa dh fu;fer :i ls _.k ys[kk&ijh{kk Hkh dh tkrh gSA

gkml dhfeax] lek/kku ,oa /kks[kk/kM+h vkfn ls lEcfU/kr ekeyksa esa dze”k% fujh{k.k foHkkx] lek/kku foHkkx ,oa lrdZrk foHkkx budhfjiksfVZax le;≤ ij vkWfMV desVh vkWQ cksMZ ¼,-lh-ch-½ dks djrs gSaA ifjpkyukRed tksf[k+e rFkk O;oLkk; fujarjrk vk;kstu ls lEcfU/kr fofu;ked fjiksVZ dks le;c) ,oa fu;fer fd;k tkrk gSA ifjpkyukRed tksf[k+e ds fy, iwath izHkkj dh lax.kuk gsrq orZeku esa cSad ewyHkwr lwpdkad i)fr dk vuqikyu dj jgk gSA rFkkfi ifjpkyUkkRed tksf[k+e ds fy, iwath izHkkj dh lax.kuk mUUkr i)fr;ksa dh vksj mUeq[k gksus dh rS;kjh Hkh cSad ds lkFk&lkFk dj jgk gSA

rkfydk Mh-,Q- 10- cSad dh cfg;ksa esa C;kt nj tksf[k+e ¼vkbZ- vkj- vkj- ch- ch-½


Punjab & Sind Bank

2. For Deploying Surplus Funds: Avenue for bulk deployment of surplus funds either by subscribing to the PTCs or by purchase of assets through bilateral assignment of debts with reasonable rate of return.

However, Bank has not sold out any standard credit portfolio under securitization to any other entities

Assignment of Standard Pool Assets- ` 78.69 crores

Table DF 8 - MARKET RISK IN TRADING BOOKQualitative disclosuresMarket risk refers to the uncertainty of future earnings resulting from changes in interest rates, foreign exchange rates, market prices and volatilities. The Bank assumes market risk in its lending and deposit taking businesses and in its investment activities, including position taking and trading. The market risk is managed in accordance with the investment policies, which are approved by the Board. These policies ensure that operations in securities, foreign exchange and derivatives are conducted in accordance with sound and acceptable business practices and are as per

Market Risk in Trading Book is assessed as per the Standardized Duration approach. The capital charge for Held for Trading (HFT) and Available for Sale (AFS) portfolios is computed as per Reserve Bank of India prudential guidelines.

Market risk management objectives:

The objectives of market risk management are as follows:

Management of liquidity

Management of interest rate risk and exchange rate risk.

Adequate and proper reporting of investments and derivative products

Compliance with regulatory requirements

Quantitative DisclosuresThe capital requirements for: Amt. - `/ Crores

Interest rate risk; 68.40

Equity position risk; 20.96

Foreign exchange risk; 0.77

Table DF 9 - OPERATIONAL RISK

Qualitative disclosuresThe Bank has formulated Policies on 'Operational Risk Management' and the 'Business Continuity Plan & Disaster Recovery Management'. These policies are being reviewed by the Board of the Bank on annual basis. Bank is in process of collecting 'Loss Data'.

As per the policy on Operational Risk, the Operational Risk Management Committee (ORMC) has been set up which is headed by the Executive Director. Regular meetings of the ORMC are convened at least on quarterly basis. Inspection Deptt of the bank undertakes onsite 'Risk Based Internal Audit' (RBIA) of the branches. Credit Proposals / Limits beyond ` 3 Crores are subjected to Regular Credit Audit also.

Inspection, Reconciliation and Vigilance Departments are reporting matters relating to Housekeeping, Reconciliation and Frauds etc. periodically to ACB. Regulatory reporting with regard to Operational Risk and Business Continuity Plan is made timely & regularly. Bank is presently following ‘Basic Indicator Approach' for calculating Capital Charge on Operational Risk. However, the bank is preparing to move to advance approaches of calculating capital charge for Operational Risk.



cSad cgh esa C;kt nj tksf[k+e dk izca/ku rFkk ewY; fu/kkZj.k vk; ij tksf[k+e n`f"Vdks.k gsrq ijEijkRed varj rFkk vkfFkZd ewY; n`f"Vdks.k gsrq la”kksf/kr vof/k varj ds ek/;e ls fd;k x;k gSA cSad cgh esa C;kt nj tksf[k+e ds vUrxZr lHkh vfxze rFkk ifjiDorkrd j[ks tkus okys fuos”k “kkfey gSaA _.k uhfr;k¡ rFkk izfdz;k,a@lajpuk vkSj laxBu@fo"k;&{ks= rFkk tksf[k+e lwpuk&ra= dh izd`fr@uhfr;¡Wa vkfn Mh-,Q-&8 ds vUrxZr crk, vuqlkj gh gSaA cSafdax cqd ¼vkbZvkjvkjchch½ esa C;kt nj tksf[k+e ds ekin.Mksa dh dk;Z&i)fr Hkkjrh; fjt+oZ cSad }kjk funsZf”kr fn”kk&funsZ”kksa ds vuq:i gSA

1-1 Hkkjrh; fjt+oZ cSad us ;g fu/kZkfjr fd;k gS fd C;kt nj laonsu”khyrk ¼iquZewY; fu/kkZj.k varj½ fooj.k ftls ekfld varjky ij rS;kj fd;k tkrk gS] ds tfj, C;kt nj tksf[k+e dh fuxjkuh dh tk,A rnuqlkj] vkfLr ns;rk izca/ku lfefr ekfld vk/kkj ij C;kt nj laosnu”khyrk dh leh{kk djrh gS rFkk tksf[k+e vtZu ¼bZ,vkj½ dh fuxjkuh djrk gS tks vkfLr;ksa o ns;rkvksa nksuksa esa C;kt nj esa leku ifjorZu ds dkj.k cSad dh “kq) C;kt vk; esa gksus okys ifjorZu dk vkdyu djrh gSA

1-2 Hkkjrh; fjt+oZ cSad us vof/k varj fo”ys"k.k ds nkSjku C;kt nj laosnu”khyrk ds ek/;e ls vkfLr;ksa o ns;rkvksa ds vkfFkZd ewY; ij C;kt nj ifjorZu ds izHkko dk vuqeku yxkus dk Hkh fu/kZkj.k fd;k gSA cSad frekgh@ekfld varjky ij Hkkjrh; fjt+oZ cSad }kjk ;Fkkfu/kZkfjr vof/k varj fo”ys"k.k Hkh djrk gSA bZfDoVh ds ckt+kj ewY; ¼,eohbZ½ ij C;kt nj ifjorZu ds izHkkoksa dk vkof/kdvarjky fo”ys"k.k ds ek/;e ls fujh{k.k fd;k tkrk gSA mijksDr dk iz;ksx djrs gq,] izR;sd cdsV gsrq vkfLr;ksa ,oa ns;rkvksa dh ifjofrZr vof/k dh x.kuk dh tkrh gS rFkk mijksDr }kjk ns;rkvksa o vkfLr;ksa dh la”kksf/kr vof/k dh lax.kuk izR;sd dky-pØij ifjdfyr dh tkrh gS vkSj C;kt nj ds 200 chih,l ds ifjorZu dks tksM+us ds ckn ewY; ij iM+s izHkko dk ifjdyu dj “kq) fLFkfr izkIRk dh tkrh gS rkfd ;g fu/kZkfjr fd;k tk lds fd ewY; esa ldkjkRed o`f) gqbZ gS ;k ughAa

1-3 vkfLr;ksa rFkk ns;rkvksa ds foodsiw.kZ mik; gsrq bZ,vkj rFkk “kq) vkof/kd varj dh lhek dk fu/kZkj.k fd;k tkrk gS rFkk fu;fer varjky ij bldh fuxjkuh dh tkrh gSA

ek=kRed ÁdVhdj.k

,d Lkky vUrjky rd v©Lkru 100 vk/kkj vad ifjorZu dk ÁÒko 81.71 dj¨M+ :i,


Punjab & Sind Bank

Table DF 10 -INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)Qualitative disclosuresThe Interest rate risk in banking book is measured and managed by the bank through Traditional Gap for Earnings at Risk (EaRbook includes all advances and investments kept under Held to Maturity (HTM) portfolio. The strategies and process/structure of organization /scope an nature of risk reporting/policies etc., are the same as reported under DF – 8. The methodology adopted to measure the interest rate risk in banking book (IRRBB) is based on RBI suggested guidelines.

1.1 RBI has stipulated monitoring of interest rate risk through a Statement of Interest Rate Sensitivity (Reprising Gaps) to be prepared at monthly intervals. Accordingly, ALCO reviews Interest Rate Sensitivity statement on monthly basis and monitors the Earnings at Risk (EaR) which measures the change in net interest income of the Bank due to parallel change in interest rate on both the assets and liabilities.

1.2 RBI has also stipulated to estimate the impact of change in interest rates on economic value of bank's assets and liabilities through Interest Rate Sensitivity under Duration Gap Analysis (IRSD). Bank also carries out Duration Gap analysis as stipulated by RBI at monthly/quarterly intervals. The impact of interest rate changes on the

of liabilities and assets for each bucket is calculated and the impact on their value for a change in interest rate by 200 bps is reckoned by adding up the net position is arrived to determine as to whether there will be a positive increase in the value or otherwise.

and the same is monitored at regular intervals.


a) Earning at RiskAt 100 bps change for gaps upto 1 year on average basis ` 81.71 Crores



xq.kkRed ÁdVhdj.k

d½ xzqi LkaLFkkvksa dh Lkwph] t¨ Lkesdu ds fy, fopkj.kh; gSA cSad ,sLks fdLkh oxZ esa ugÈ vkrk gSA

[k½ xzqi LkaLFkkvksa dh Lkwph] t¨ ys[kk v©j Lkesdu ds fofu;ked fo"k; {ks= nüä esa Lkesdu ds fy, fopkj.kh; ugÈ gSA

ykxw ugÈ

ek=kRed ÁdVhdj.k

x½ ,sLkh xzqi LkaLFkkvksa dh Lkwph] t¨ Lkesdu ds fy, fopkj.kh; gS

ykxw ugÈ

?k½ LkÒh Lkgk;d LkaLFkkvksa dh iwath dh deh dh dqy jkf'k ftUgsa Lkesdu ds fofu;ked fo"k; {ks= esa LkfEefyr ugÈ fd;k x;k vFkkZr ftUgsa ?kVk;k x;k gS

ykxw ugÈ

M-½ chek LkaLFkkvksa esa yxh cSad ds LkeLr fgrä dh og dqy jkf'k ¼vFkkZr pkyw cgh ewY; ) t¨ t¨f[ke Òkfjr gSa½

ykxw ugÈ

p½ cSaÇdx Lkewg ds Òhrj QaM ;k fofu;ked iwath ds varj.k ij d¨bZ Áfrca/k ;k ck/kk

ykxw ugÈ

rkfydk Mh ,Q 2 & iwWath i;kZIrrk

cSad us tksf[+ke izca/ku vuqca/k dk fØ;kUo;u djrs le; oSf”od mPp&dksfV dh dk;Z&iz.kkyh dks viukus dh izfØ;k igys ls gh vkjEHk dj nh gS tksfd ckly II rFkk ckly III dh :ijs[kk ds vuq:Ik gSA

ckly II rFkk ckly III ls lacaf/kr fofHkUu ekeyksa ij /;ku nsus ds fy, tksf[+ke izca/ku dh O;kid Lkjapuk dk;Zjr gSSA tksf[+ke Hkkfjr vkfLr;ksa] cktkj tksf[+ke rFkk izpkyu tksf[+ke esa o`f) ds vkLkkj ds en~nsut+j cSad dh iwathxr vko”;drkvksa dks vkadus ds fy, frekgh vk/kkj ij leh{kk dh tkrh gSA

cSad LkÒh t¨f[k+e mBkus okyä ¼ekfydksa½a] fo'ks"kdj tekdrkZvksa ds fgrksa dh j{kk gsrq _.k t¨f[k+e] dkjksckj vkfn ds ewY; esa gkfugksus ds [krjs dh xqatkbZ'k ds fy, iwath j[krk gSA

orZeku ,oa Hkkoh dkjksckj dk;Zdykiksa ds vk/kkj ij iwath vko”;drkvksa dks fu/kZkfjr djus ds fy, cSad esa mfpr iz.kkyh dk;Zjr gSrFkk fujarj mldh fuxjkuh dh tkrh gSA cSad dk ekuuk gS fd iwath miyC/krk laiw.kZ izfØ;k dk dsanzh; fo’k; gS vkSj bldh x.kuk dks uhfr] j.kuhfr] dkjksckj Lrj@la?kVu] i;Zos{kh ljksdkj ,oa izdVu eqn~nksa ls tksM+k tk ldrk gSA bl fn”kk esa cSad us vkarfjd iwath i;kZIrrk ewY;kadu izfØ;k ¼vkbdSi½ dk ,d vPNk <kapk fodfLkr dj fy;k gS rFkk LrEHk 1 ds varxZr iwWath x.kuk ds vykok ckly II ds LrEHk 2 ,oa ckLky III ds varxZr Hkh vkof/kd varjky ij iwath x.kuk dh tkrh gSA cSad us iwWaath i;kZIrrk ij izfrdwy ncko ifjn`”;ksa ds izHkko dks vkof/kd vk/kkj ij ekius ds fy, ncko tkap uhfr cuk ;h gSA

Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa ds vuq:Ik] cSad us u;s iwath i;kZIrrk <kapk & ckly II dks ykxw djus ds fy, fuEufyf[kr vo/kkj.kkvksa dks viuk;k gS %&

- _.k tksf[k+e ds fy, ekudhd`r vo/kkj.kk

- ifjpkyukRed tksf[k+e ds fy, ewy lwpd vo/kkj.kk

- cktkj tksf[k+e ds fy, ekud vof/k vo/kkj.kk

;|fi cSad us orZeku esa mij¨ä vo/kkj.kkvksa dks viuk;k gS ij buds vkxs dh vo/kkj.kkvksa dh rjQ vxzLkj güs dh rS;kjh

Òh 'kq: dj nh gSA+

jkf'k-#0/-dj¨M+

9 dh nj Lks ekudhÑr –f”Vd¨.k ds v/khu i¨VZQ¨fy;¨ 4310-88

ÁfrÒwfrdj.k ,DLki¨tj 'kwU;


Punjab & Sind Bank

BASEL- III DISCLOSURES – FOR THE YEAR ENDED 31st MARCH 2014

Table DF 1 – SCOPE OF APPLICATION


(a) List of group entities considered for consolidation The Bank does not belong to any group

(b) List of group entities not considered for consolidation both under the accounting and regulatory scope of consolidation Not Applicable


(c) List of group entities considered for consolidationNot Applicable

not included in the regulatory scope of consolidation i.e. that are deducted Not Applicable

(e) The aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are risk-weighted. Not Applicable

(f) Any restrictions or impediments on transfer of funds or regulatory capital within the banking group

Not Applicable

Table DF 2 - CAPITAL ADEQUACYQualitative disclosures

Bank is already geared up to adopt global best practices while implementing risk management stipulations that are in conformity with the Basel II and Basel III framework.

Comprehensive risk management architecture is in place to address various issues concerning Basel II and Basel III. A quarterly review is carried out to assess the capital need of the Bank, keeping in view the anticipated growth in Risk Weighted Assets, Market Risk and Operational Risk.

Bank maintains capital as a cushion towards the risk of loss in value of exposure, businesses, etc., to protect the interest of stake holders, more particularly, depositor's.

Bank has system in place for assessing the capital requirements based on current and future business activities and monitoring the same on an ongoing basis. The bank considers that capital availability is the central theme in the whole process and its computation is relatable to policy, strategy, business level/composition, and Supervisory concern and Disclosure issues. Towards this, bank has evolved a well laid down Internal Capital Adequacy Assessment Process (ICAAP) framework and carries out capital calculation under Pillar-2 of Basel II and also of Basel-III at periodical intervals besides Pillar 1 Capital calculation. The bank has formulated Stress Testing policy to measure impact of adverse stress scenarios on the adequacy of capital at periodical intervals.

In line with RBI guidelines, the bank has adopted following approaches for implementation of New Capital Adequacy Framework –

- Standardised Approach for credit risk

- Basic Indicator Approach for operational risk

- Standardised Duration Approach for market risk

Though the bank is presently implementing the above Approach, it has started its preparation for moving towards advance approaches.

Capital requirements for credit risk: Amt. - `/Crores

Portfolios subject to standardised approach @ 9% 4310.88

Securitisation exposures Nil



LkkekU; cktkj t¨f[k+e ij iwath ÁÒkj jkf'k #0-dj¨M+

C;kt nj t¨f[k+e 175-54

fons'kh fofue; t¨f[k+e ¼Lk¨us Lkfgr½ 0-77

bfDoVh t¨f[k+e 37-25

jkf'k #0-dj¨M+

ewy Lkwpd –f"Vd¨.k 298-78

ckLky -AAA ds vuqLkkj dqy iwath v©j t¨f[ke Òkfjr vkfLr vuqikr 11-04%

ckLky -AAA ds vuqLkkj dkeu bfDoVh ds vuqLkkj dqy iwath v©j t¨f[ke Òkfjr vkfLrvuqikr

7-27%

ckLky -AAA ds vuqLkkj Vh;j-1 iwath v©j t¨f[ke Òkfjr vkfLr vuqikr 7-62%

d) tgka fe;knh _.k ds ekeys esa C;kt rFkk @vFkok ewy/ku dh fd”r 90 fnu ls vf/kd vof/k ds fy, vfrns; gksA

[k) Lohd`r lhek esa vkgj.k vf/kdkj ds laca/k esa ;fn [kkrk yxkrkj 90 fnuksa ls vf/kd le; ds fy, vfu;fer cuk jgrk gS] rFkk@vFkok vf/kfod’kZ @udn _.k vks-Mh- lh-lh- ds laca/k esa rqyu&i= dh frfFk rd yxkrkj dksbZ jkf”k tek ugha gksrh gS vFkok tek dh x;h jkf”k mruh i;kZIr ugha gS fd bl vof/k ds nkSjku ukes fd, x, C;kt dks olwy fd;k tk lds rks [kkrk vfu;fer^ gks tkrk gSA

x) cSad }kjk [kjhns x, vkSj Hkquk, x, fcyksa ds ekeys esa tgka fcy 90 fnuksa ls vf/kd vof/k ds fy, vfrns; jgs gksaA

?k) vYi vof/k dh Qlyksa ds fy, ewy/ku dh fd”r vFkok ml ij C;kt ds fy, nks Qlyh ekSle rd vfrns; jgk gksA

M+) nh?kZ vof/k dh Qlyksa ds fy, ewy/ku dh fd”r vFkok ml ij C;kt ds fy, ,d Qlyh ekSle rd vfrns; jgk gksA

p) izfrHkwfrdj.k ds fnukad 7 ebZ 2012 ds fn”kk&funsZ”kksa dh “krksZa ds vuqlkj izfrHkwfrdj.k ysu&nsu ds laca/k esa ;fn udnh lqfo/kk dh jkf”k 90 fnuksa ls vf/kd cdk;k jgrh gSA

N) O;qRiUu lkSnksa ds ekeys esa] vfrns; izkfIr;ka tksfd O;qRiUu lafonk ds ldkjkRed cktkj vafdr ewY; dks iznf”kZr djrh gSa] ;fn pqdkSrh dh fofufnZ’V ns; frfFk ls 90 fnuksa rd cdk;k jgrs gSaA

;gk¡ ^vfrns; jkf”k* ls vfHkizk; fdlh Hkh _.k lqfo/kk ds v/khu dksbZ Hkh ns; jkf”k ls gS] ;fn cSad dks fu/kZkfjr ns; frfFk ij bldk Hkqxrku ugha gksrk gSA

tgka dgha fdlh frekgh ds nkSjku yxk;k x;k C;kt ml frekgh lekfIr ds 90 fnuksa ds Hkhrj iw.kZ :Ik ls vnk ugha gks tkrk vkSj cSad ds fy, vftZr gksus okyh vk; #d tk, rks ,sls [kkrs dks xSj&fu’ikfnr vkfLr ds :Ik esa oxhZÑr fd;k tk,xkA

mijksDr ds vfrfjDr cSad vkfLr;ksa ds oxhZdj.k ds laca/k esa Hkkjrh; fjt+oZ cSad }kjk tkjh fuEu fn”kk&funsZ”kksa dk Hkh ikyu dj jgk gSA ¼d½ iqulZjafpr [kkrs ¼[k½ vf/kd pys le; ds var% xzLr dk;ZkUo;u ds varxZr ifj;kstuk ¼x½ iksr ynkuksRrj vkiwfrZ drkZ _.k ¼?k½ fu;Zkr ifj;kstuk foRr ¼³½ vf/kxzg.k foRr ¼p½ ljdkjh xkjaVhd`r vfxze ¼N½ ch-vkbZ-,Q-vkj-@Vh-,y-vkbZ- }kjk vuqeksfnr iquoZkl ds varxZr vfxze ¼>½ _.k ekQh ,oa _.k jkgr ;kstuk 2009 ds v/khu fy;k x;k _.k ¼V½ foRrh; vkfLr;ksa dks izfrHkwfrdj.k [email protected] daiuh dks cspuk ¼B½ xSj&fu’ikfnr foRrh; vkfLr;ksa dk Ø;&foØ; ¼<½ [kkrksa dk mUu;u ¼.k½ rqyu&i= dh frfFk ds lehi fu;fer fd, x, [kkrs] vkfnA


Punjab & Sind Bank

Capital requirements for market risk: Standardised duration approach

Capital Charge on account of General Market Risk Amt. - `/ Crores

Interest rate risk 175.54

Foreign exchange risk (including gold) 0.77

Equity risk 37.25

Capital requirements for operational risk:

Amt. - `/ Crores

Basic indicator approach 298.78

Total and Tier 1 capital ratio for the Bank:

Total Capital to Risk Weighted Assets Ratio as per Basel III 11.04%

Common Equity Tier I Capital to Risk Weighted Assets Ratio as per Basel III 7.27%

Tier I Capital to Risk Weighted Assets Ratio as per Basel III 7.62%

Table DF 3 - CREDIT RISK : GENERAL DISCLOSURES


A. DEFINITIONS OF PAST DUE AND IMPAIRED:

as under :

a) Interest and / or instalment of principal remain overdue for a period of more than 90 days in respect of a term loan.

b) The account remains ‘out of order’ if the outstanding balance remains continuously in excess of sanctioned limit / DP for more than 90 days and / or there are no credits continuously for 90 days as on the date of Balance Sheet or credits are not enough to cover the interest debited during the same period, in respect of Overdraft/Cash Credit (OD/CC).

c) The bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted.

d) The installment of principal or interest thereon remains overdue for two crop seasons for short duration crops.

e) The installment of principal or interest thereon remains overdue for one crop season for long duration crops.

f) The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitization transaction undertaken in terms of guidelines on securitization dated May 7, 2012.

g) In respect of derivative transactions, the overdue receivables representing positive mark-to-market value

repayment.

by the Bank.

Where the interest charged during any quarter is not serviced fully within 90 days from the end of the quarter, the

accounts, b) Project under implementation involving time overrun, c) Post shipment Suppliers’ Credit. d) Export Project Finance, e) Take over Finance, f) Govt. guaranteed Advance, g) Advance under Rehabilitation approved by BFIR / TLI, h) Advances under Debt Waiver & Debt Relief Scheme 2009, i) Sale of Financial Assets to Securitization Company /Reconstruction Company, j) Purchase/ Sale of Non-Performing Financial Assets, k) Up-gradation of accounts, l) Accounts regularized near about the Balance Sheet date etc.



[k- _.k tksf[k+e izca/ku rFkk mn~ns'; %cSad ds _.k tksf[+ke dkjksckj dh izHkkoh igpku] ewY;kadu] ifjekiu rFkk izca/ku ds fy,] cSad dh tksf[+ke {kerk ds laca/k esa visf{kr lhek rd bls fu;af=r djuk rFkk miyC/k iwath ds vuq:Ik ykuk gSA bl izfØ;k dks djrs gq, cSad ds _.k tksf[+ke n”kZu dk y{; tksf[+ke esa deh ykuk rFkk mls ml Lrj ds Hkhrj cuk, j[kuk gS tksfd LVkWd/kkjdksa dks bfDoVh lfgr cSad ds foRrh; lalk/kuksa dh lqj{kk lqfuf”pr djus ds lkFk&lkFk cSad dk lrr~ ,oa lqn`<+ fodkl Hkh lqfuf”pr djrk gSA

cSad dh ;kstukxr uhfr & _.k tksf[+ke %cSad dh foLr`r ,oa lqifjHkkf’kr _.k uhfr gS] ftlesa uhfrxr vk;kstuk ds fofHkUu vk;ke “kkfey gSaA _.k dkjksckj rFkk lkekU; vkfFkZd ,oa cktkj ifjn`”; ds vuq:Ik vfxze fuos”k lwph esa ifjorZuksa dh vis{kkvksa ij fuHkZj djrs gq, cSad le;-le; ij _.k-uhfr dh iqujh{kk djrk gSA cSad dh _.k-uhfr o’kZ esa de ls de ,d ckj funs”kd e.My }kjk O;kid leh{kk dss Hkh v/;k/khu gSA cSad dh _.k uhfr esa vU; ckrksa ds lkFk fuEufyf[kr ?kVdksa dk Hkh /;ku j[kk tkrk gS%-

fofHkUu m|ksx ?kVdksa rFkk _.kdRkkZ Jsf.k;ksa esa rdZlaxr lhek dk fu/kZkj.k ,oa fu;a=.kA_.k jsfVax rFkk@vFkok fjVsy ?kVdksa ls laca) tksf[+ke :ijs[kk ij v/kkfjr ewY;kaduA_.kksa ds ewY;kadu] LohÑfr rFkk fuxjkuh ,oa _.k ds laforj.k dh izfof/k;ksa ds fy, izfØ;k ,oa iz.kkyh ls lacaf/kr

ekxZn”khZ funsZ”kA_.k jsfVax ÝseodZA

fujh{k.k-ra= rFkk fofu;ked ,oa uhfrxr ekxZn”khZ funsZ”kksa dk vuqikyuA

_.k tksf[k+e izca/ku dk;ksZa ds fy, cSad ds laxBukRed <+kaps ds “kh’kZLFk Lrj ij funs”kd&e.My gS] tks tksf[k+e izca/ku dkjksckj ij iwjh fuxjkuh j[krk gSATkksf[k+e izca/ku lfefr ¼vkj-,e-lh-½ tks fd v/;{k ,oa izca/k funs”kd dh v/;{krk esa e.My dh ,d mi lfefr gS] _.k tksf[k+e lfgr lefUor tksf[+ke izca/ku ds fy, uhfr ,oa j.kuhfr rS;kj djrh gSAIfjpkyu Lrj ij] _.k tksf[k+e izca/ku lfefr ¼lh-vkj-,e-lh-½ _.k tksf[+ke dk izca/ku djrh gSA blds eq[; dk;ksZa esa funs”kd e.My }kjk vuqeksfnr _.k tksf[k+e izca/ku uhfr;ksa dk cSad O;kih vk/kkj ij dk;ZkUo;u rFkk funs”kd&e.My dks _.k tksf[+ke izca/ku lacaf/kr] _.k tksf[+ke dh foosdiw.kZ lhek,a] iksVZQksfy;ksa izca/ku] _.k-mRiknksa vkfn ls lacaf/kr lHkh uhfr;ksa ds vuqeksnu gsrq laLrqfr “kkfey gSA cSad esa _.k vuqeksnu dh izfØ;k dk <k¡pk cuk gqvk gS vkSj ;g ekudhÑr gS] ftlesa _.k vkdyu dh O;kid izfØ;k “kkfey gSA fdlh Hkh foRr iks’k.k izLrko ds lkFk tqM+s _.k tksf[+ke ds vkdyu djus gsrq cSad _.kh rFkk izklafxd m|ksxksa ds fofo/k _.k tksf[k+eksa dk vkdyu djrk gSAegkizca/kd dh v/;{krk esa tksf[+ke izca/ku foHkkx ¼vkj-,e-Mh-½ funs”kd e.My }kjk fu/kZkfjr lhekvksa ds Hkhrj cSad O;kih vk/kkj ij _.k tksf[k+e dk ifjekiu] fu;a=.k ,oa izca/ku djrk gS vkSj funs”kd e.My @tksf[+ke izca/ku lfefr@_.k tksf[+ke izca/ku lfefr }kjk fu/kZkfjr tksf[+ke ekin.Mksa ds vuqikyu dks ykxw djrk gSA bl nkf;Ro ds fuoZkgu esa tksf[+ke izca/ku foHkkx ds fofHkUu d{k ;Fkk _.k tksf[+ke izca/ku d{k] cktkj tksf[+ke izca/ku d{k ¼,-,y-,e-½ rFkk lapkyuxr tksf[+ke izzca/ku d{k bldh enn djrs gSaAegkizca/kd ds fu;a=.kk/khu fujh{k.k foHkkx ds lkFk-lkFk tksf[+ke izca/ku foHkkx] _.kksa dh xq.koRrk ij fuxjkuh] leL;kvksa dh igpku djuk rFkk dkfe;ksa dks nwj djus dk mik; djrk gSA _.kksa dk iqujh{k.k@_.kksa dh ys[kk ijh{kk dk dk;Z _.k ys[kk ijh{kk ds :Ik esa vyx ls fd;k tkrk gSA

_.k tksf[+ke izca/ku @vYihdj.k ds fy, iz;qDr lk/ku

_.k vuqeksnu drkZ izkf/kdkjh “kfDr;ksa dk izR;k;kstuA cSad dh cgqfo/k tksf[k+e vk/kkfjr vuqeksnu iz.kkyh ds Hkhrj “kfDr;ksa ds izR;k;kstu dh ,d lqifjHkkf’kr ;kstuk fo|eku gS] ftldh tc dHkh vko”;drk gks] O;olkf;d vko”;drkvksa dh ck/;rkvksa dks iwjk djus ds fy, le;-le; ij iqujh{kk dh tkrh gSAfofHkUu Lo:Ik ds _.kdrkZvksa ds fy, ,dy@lewg _.k lqfo/kkvksa tSlh _.k@fuos”k ds fofHkUu igyqvksa ij rdZlaxr _.k lhek,a izpyu esa gSaAtksf[k+e] jsfVax@ewY;kadu & cSad us fofHkUu ?kVdksa ds fy, jsfVax ekWMy ykxw fd, gq, gSa] tks izfri{k ds cgqfo/k tksf[+ke dkjdksa ds ,dy fcUnq lwpd ds :Ik esa dk;Z djrs gSa rFkk _.k ewY;kadu fu.kZ;ksa esa ennxkj gksrs gSaA _.k cgh dh xq.koRrk ds lrr~ ewY;kadu rFkk _.k iz”kklu esa xq.kkRed lq/kkj ds fy, _.k ys[kk ijh{kk@_.k iqujh{k.k i)fr ,d izHkkoh midj.k gSA


Punjab & Sind Bank

B. CREDIT RISK MANAGEMENT AND OBJECTIVES:To effectively identify, assess, measure, and manage the credit risk exposure of the Bank, with a view to contain it within desired limits in relation to the risk appetite of the Bank and commensurate with the availability of Capital. In doing so, the Bank’s Credit Risk philosophy aims at minimising risk and maintaining it within the levels which shall

STRATEGIC POLICY OF THE BANK - CREDIT RISK:

loan policy of the Bank is reviewed from time to time, depending on requirements of the changes in loan portfolio and general economic and market scenario. The loan policy is also subjected to a comprehensive review by the Board at least once a year. The loan policy of the Bank addresses, among other things:

Exposure ceilings and prudential caps in different industry segments and borrower categories.

Guidelines relating to procedures and systems for appraisal, sanction, and monitoring of loans and modes of dispensation of credit.

Credit Rating framework.

Inspection mechanism and compliance of regulatory and policy guidelines.

CREDIT RISK MANAGEMENT ARCHITECTURE:

The organizational structure of the Bank for Credit Risk Management function has the Board of Directors at the Apex level that has the overall oversight of management of risks.

The Risk Management Committee (RMC) which is the sub-committee of the Board headed by the Chairman & Managing Director devises the policy and strategy for integrated risk management including credit risk.

At the operational level, the Credit Risk Management Committee (CRMC) manages the credit risk. The main function includes implementation of credit risk management policies approved by the Board, monitoring credit risk on a bank wide basis, recommending to the board for its approval all policies relating to credit risk management, prudential limits on credit exposures, portfolio management, loan products etc. There is a structured and standardized credit approval process including a comprehensive credit appraisal procedure.

relating to the borrower and the relevant industry.

The Risk Management Department (RMD) headed by the General Manger, measures, controls and manages credit risk on bank wide basis within the limits set by the Board and enforces compliance with risk parameters set by Board/RMC/CRMC. The RMD is duly supported by Credit Risk Management Cell, Asset Liability Management Cell and Operations Risk Management Cell.

The Inspection Department as well as Credit Monitoring Department headed by a General Manager monitor

audit is undertaken by the Credit Audit function.

TOOLS USED FOR CREDIT RISK MANAGEMENT / MITIGATION

powers with a multi-tier risk based approving system, which is reviewed periodically and revised as and when necessary to meet the compulsions of business environment.

Prudential Limits on various aspects of credit / investment like Single / Group borrower limits for various types of borrowers are in place.

Risk Rating/Pricing - The bank has introduced rating models for various segments, which serve as a single point indicator of diverse risk factors of a counter party and support credit and pricing decisions.

Credit Audit/Loan review mechanism is an effective tool for constantly evaluating the quality of loan book and to bring about qualitative improvements in credit administration



lafoHkkx izca/ku & “kq:vkrh nkSj esa cSad us ,d lk/kkj.k lafoHkkx fuxjkuh ÝseodZ ykxw fd;k gSA Hkfo’; esa cSad vR;k/kqfud lafoHkkx izca/ku ekWMy dks ykxw djsxkA

orZeku esa _.k tksf[k+e dks O;fDrxr Lrj ij _.k nj rFkk iksVZQksfy;ks Lrj ij tksf[+ke Hkkfjr vkfLr;ksa ds ek/;e ls fu/kkZfjr fd;k x;k gS rFkk iwath dks tksf[+ke Hkkj vk/kkj ij O;ofLFkr fd;k x;k gSA

Js.kh jkf'k :-@dj¨M+

1 fuf/k vk/kkfjr _.k jkf’k dk ÁdVhdj.k 57857-74

2 xSj fuf/k vk/kkfjr _.k jkf’k dk ÁdVhdj.k 3433-43

Js.kh jkf'k :-@dj¨M+1 fons'kh

fuf/k vk/kkfjr _.k jkf'k dk ÁdVhdj.k

'kwU;

xSj fuf/k vk/kkfjr _.k jkf'k dk ÁdVhdj.k 'kwU;

2 ns'kh fuf/k vk/kkfjr _.k jkf'k dk ÁdVhdj.k

57857-74

xSj fuf/k vk/kkfjr _.k jkf'k dk ÁdVhdj.k 3433-43

jkf'k :-@dj¨M+

d- [kk?kké rFkk mR[kuu 837-53 107-98 945-51d-1 d¨;yk@gkMZ fyxukbZV@ihV 2-04 86-19 88-23d-2 vU; [kk?kké 835-49 21-79 857-28[k- [kk| ÁLkaLdj.k 1176-84 26-43 1203-27[k-1phuh 187-80 18-37 206-16[k-2 [kk| rsy v©j ouLifr 112-57 0-57 113-14[k-3 pk; 0-28 0-00 0-28[k-4 d‚Qh 0-00 0-00 0-00[k-5 vU; [kk| ÁLkaLdj.k 876-19 7-49 883-68x- csojst ,oa rackdw 484-77 18-04 502-81x-1 rackdw ,oa rackdw mRikn 0-59 0-00 0-59x-2 csojst ,oa rackdw vU; 484-18 18-04 502-22?k- diM+k m|¨x 1412-67 58-35 1471-02?k-1 d‚Vu 633-38 43-20 676-58?k-1-1 fLiÇux 570-63 32-70 603-33?k-2 twV 2-93 0-00 2-93?k-2-1 fLiÇux 1-17 0-00 1-17?k-3 gSaMhØk¶V@[kknh ¼,uih,Lk½ 21-12 0-08 21-20?k-3-1 fLiÇux 3-07 0-00 3-07?k-4 fLkYd 39-97 5-11 45-08?k-4-1 fLiÇux 31-24 0-59 31-83


Punjab & Sind Bank

Portfolio Management - to start with, the bank has introduced a simple portfolio-monitoring framework. Going forward the bank will be graduating to a more sophisticated Portfolio Management model.

RISK MEASUREMENT At present Credit Risk is assessed through Risk rating at the individual level and through Risk Weighting of the assets at the portfolio level and capital is maintained based on Risk Weights.

Total gross credit risk exposures


1 Fund Based Credit Exposures 57857.74

2 Non Fund Based Credit Exposures 3433.43

Geographic distribution of exposures


1 Overseas

Fund Based Credit Exposures

NIL

Non Fund Based Credit Exposures NIL

2 Domestic

Fund Based Credit Exposures

57857.74

Non Fund Based Credit Exposures 3433.43

INDUSTRY TYPE DISTRIBUTION OF EXPOSURES Amt. - `/ Crores

INDUSTRY FUNDED NON FUND TOTAL

A.MINING & QUARRYING 837.53 107.98 945.51

A.1 COAL/HARD LIGNITE/PEAT 2.04 86.19 88.23

A.2 MINING OTHERS 835.49 21.79 857.28

B.FOOD PROCESSING 1176.84 26.43 1203.27

B.1 SUGAR 187.80 18.37 206.16

B.2 EDIBLE OILS & VANASPATI 112.57 0.57 113.14

B.3 TEA 0.28 0.00 0.28

B.4 COFFEE 0.00 0.00 0.00

B.5 FOOD PROC.- OTHERS 876.19 7.49 883.68

C.BEVERAGES & TOBACCO 484.77 18.04 502.81

C.1 TABACCO & TOBACCO PROD. 0.59 0.00 0.59

C.2 BEVERAGES & TOBACCO-OTHERS 484.18 18.04 502.22

D.TEXTILES 1412.67 58.35 1471.02

D.1 COTTON 633.38 43.20 676.58

D.1.1 SPINNING 570.63 32.70 603.33

D.2 JUTE 2.93 0.00 2.93

D.2.1 SPINNING 1.17 0.00 1.17

D.3 HANDICRAFT/KHADI (NPS) 21.12 0.08 21.20

D.3.1 SPINNING 3.07 0.00 3.07

D.4 SILK 39.97 5.11 45.08

D.4.1 SPINNING 31.24 0.59 31.83



?k-5 owyu 40-30 0-07 40-37?k-5-1 fLiÇux 27-30 0-05 27-35?k-6 diM+k m/k¨x vU; 674-98 9-89 684-87M+- peM+k&peM+k mRikn 136-02 3-46 139-48p-ydM+h ,oa ydM+h mRikn 93-19 3-19 96-38N- dkxt rFkk dkxt mRikn 102-27 1-29 103-56t- iSVª¨/ d¨;yk/ukÒdh; baZ/ku 60-81 0-29 61-10>-jLkk;u ,oa jLkk;u mRikn 520-11 17-12 537-23>-1 QVÊykbtj 135-86 0-00 135-86>-2 Mªx~Lk ,oa QkekZ 266-17 6-04 272-21>-3 iSVª¨ –jLkk;u 64-59 6-62 71-21>-4 jLkk;u ,oa jLkk;u mRikn 53-48 4-47 57-94V- jcM+] IykfLVd ,oa bLkds mRikn 196-54 20-57 217-10B- dkap ,oa bLkds cus mRikn 12-11 0-31 12-42M- LkhesaV&LkhesaV mRikn 252-13 14-36 266-48<+- ewy /kkrw&/kkrw mRikn 2433-65 195-70 2629-35<+-1 y¨gk v©j LVhy 1662-38 35-65 1698-03<+-2 vU~; /kkrw rFkk /kkrw mRikn 771-27 160-05 931-32.k- LkeLr bathfu;Çjx 672-24 135-53 807-77.k-1 bySDVªkfuDLk 61-66 9-35 71-01.k-2 LkeLr bathfu;Çjx-vU; 610-58 126-18 736-75r- okgu/okgu dyiqtsZ@VhihVh v©tkj 300-00 127-40 427-40Fk- jru v©j vkÒw"k.k 67-88 225-43 293-30n- fuekZ.k 828-69 329-55 1158-24/k- ewyÒwr vko';d rRo 18164-82 895-95 19060-78/k-1 VªkaLki¨VZ 1740-74 338-94 2079-68/k-1-1 jsyos 45-82 43-80 89-61/k-1-2 j¨Most 1256-47 275-27 1531-74/k-1-4 okVjost 18-36 0-47 18-83/k-1-5 vU; 420-10 19-40 439-50/k-2 ÅtkZ 12459-97 468-96 12928-93/k-2-1 bySDVªkfuDLk ¼Lkkek-@Vhvkj,e,u@MhVhch½ 12433-73 468-96 12902-69/k-2-2 rsy ¼,LkVhvkjth@ikbiykbZu½ 26-23 0-01 26-24/k-2-3 xSLk ,y,uth ,LkVhvkjth@ikbiykbZu 0-01 0-00 0-01/k-3 VsyhdE;wfuds'ku 334-34 8-44 342-78/k-4 ewyÒwr vkoÜ;d rRo-vU; 3629-77 79-62 3709-39/k-4-1 okVj LkSfuVs'ku 1042-60 13-71 1056-32/k-4-2 Lkkekftd v©j dE;wfuds'ku 2587-17 65-90 2653-07u- vU; m|¨x 185-62 29-78 215-40i- vof'k"V 29919-88 1222-70 31142-58i- d f'k{k _.k 231-79 0-34 232-13i-[k foekuu {ks= 870-89 0-19 871-08

m|ksx tgka dqy _.k t¨f[ke, dqy vk/kkfjr fuf/k rFkk xSj fuf/k vk/kkfjr _.k t¨f[ke ds 5% Lks vf/kd gSA


Punjab & Sind Bank

D.5 WOOLEN 40.30 0.07 40.37

D.5.1 SPINNING 27.30 0.05 27.35

D.6 TEXTILE-OTHERS 674.98 9.89 684.87

E.LEATHER & LEATHER PRODUCTS 136.02 3.46 139.48

F.WOOD & WOOD PRODUCTS 93.19 3.19 96.38

G.PAPER & PAPER PRODUCTS 102.27 1.29 103.56

H.PETRO./COAL/NUCLEAR FUELS 60.81 0.29 61.10

I.CHEMICALS & CHEMICAL PROD. 520.11 17.12 537.23

I.1 FERTILISERS 135.86 0.00 135.86

I.2 DRUGS AND PHARMA. 266.17 6.04 272.21

I.3 PETRO-CHEMICALS 64.59 6.62 71.21

I.4 CHEMICALS & CHEMICAL PROD.- O 53.48 4.47 57.94

J.RUBBER, PLASTIC & ITS PROD. 196.54 20.57 217.10

K.GLASS & GLASSWARE 12.11 0.31 12.42

L.CEMENT AND CEMENT PROD. 252.13 14.36 266.48

M.BASIC METAL & METAL PROD. 2433.65 195.70 2629.35

M.1 IRON & STEEL 1662.38 35.65 1698.03

M.2 OTHER METAL & METAL PROD. 771.27 160.05 931.32

N.ALL ENGINEERING 672.24 135.53 807.77

N.1 ELECTRONICS 61.66 9.35 71.01

N.2 ALL ENGG. - OTHERS 610.58 126.18 736.75

O.VEHCLES/V.PARTS/TPT.EQPM. 300.00 127.40 427.40

P.GEMS & JEWELLARY 67.88 225.43 293.30

Q.CONSTRUCTIONS 828.69 329.55 1158.24

R.INFRASTRUCTURE 18164.82 895.95 19060.78

R.1 TRANSPORT 1740.74 338.94 2079.68

R.1.1 -RAILWAYS 45.82 43.80 89.61

R.1.2 -ROADWAYS 1256.47 275.27 1531.74

R.1.4 -WATERWAYS 18.36 0.47 18.83

R.1.5 -OTHERS 420.10 19.40 439.50

R.2 ENERGY 12459.97 468.96 12928.93

R.2.1 -ELEC(GEN/TRMN/DTB) 12433.73 468.96 12902.69

R.2.2 -OIL (STRG/PIPELINES) 26.23 0.01 26.24

R.2.3 -GAS/LNG STRG/PIPELINE 0.01 0.00 0.01

R.3 TELECOMMUNICATION 334.34 8.44 342.78

R.4 INFRA-OTHERS 3629.77 79.62 3709.39

R.4.1 -WATER SANITATION 1042.60 13.71 1056.32

R.4.2 -SOCIAL & COMM. 2587.17 65.90 2653.07

S.OTHER INDUSTRIES 185.62 29.78 215.40

T.RESIDUARY 29919.88 1222.70 31142.58

T.a EDUCATION LOAN 231.79 0.34 232.13

T.b AVIATION SECTOR 870.89 0.19 871.08Grand Total 57857.74 3433.43 61291.17

Industry where the Total Exposure is more than 5% of Total Fund based and Non-fund based exposure:



jkf'k- :/dj¨M+

Øe Lka0 m|ksx ÁdVhdj.k

1 cqfu;knh Lkqfo/kk,a 19060-782 vof'k"V 31142-58

vkfLr;ä dk vof’k"V Lkafonkxr ifjiDork fodkj

jkf'k- :/dj¨M+

vxyk 1 fnu 547-63 0-39 30-18 221-23 584-18 0-00

2 fnu Lks 7 fnu 1044-21 346-32 0-74 17-80 1547-94 380-00

8 fnu Lks 14 fnu 1473-68 292-94 5-08 24-86 2016-91 0-00

15 fnu Lks 28 fnu 2270-23 480-30 12-12 50-09 3564-36 0-00

29 fnuä Lks 3 ekg 6617-49 4076-32 29-91 191-97 11947-63 40-00

3 ekg Lks vf/kd 6 ekg rd 3844-42 36-69 32-33 73-03 10739-15 200-04

6 ekg Lks vf/kd 1 o"kZ rd 7320-15 899-81 94-68 0-00 27745-45 0-00

1 o"kZ Lks vf/kd 3o"käZ rd 14495-39 2417-71 92-77 0-00 13121-22 150-00

3 o"käZ Lks vf/kd 5 o"käZ rd 9011-54 5874-52 8-70 0-00 4321-80 100-00

5 o"käZ Lks vf/kd 10614-33 13869-11 0-00 0-00 9141-52 1435-00

dqy ;¨x 57239-07 28294-11 306-51 578-98 84730-17 2305-04

1- voLrjh; 1494-81

2- LkafnX/k 1 672-15

3- LkafnX/k 2 346-99

4- LkafnX/k 3 13-33

5- gkfu 26-24

fuoy:- ,u.ih., 1918-60

Js.kh Áfr'kr

1- Lkdy vfxze dk Lkdy ,u-ih-,- 4-41%2- fuoy vfxze dk fuoy ,u-ih-,- 3-35%

vFk'ks"k 1536-90

tek 1619-61

deh 602-99

gkfu'ks"k 2553-52


Punjab & Sind Bank

Amt. - `/ Crores

S.No. Industry Exposure

1 Infrastructure 19060.78

2 Residuary 31142.58

RESIDUAL CONTRACTUAL MATURITY BREAKDOWN OF ASSETS Amt. - `/ Crores

Maturity Pattern’s Loans & Investments Foreign CurrencyDeposits Borrowings

(Time Buckets) Advances (Book Value) Liabilities Assets

Next 1 Day 547.63 0.39 30.18 221.23 584.18 0.00

2 Days To 7 Days 1044.21 346.32 0.74 17.80 1547.94 380.00

8 Days To 14 Days 1473.68 292.94 5.08 24.86 2016.91 0.00

15 Days To 28 Days 2270.23 480.30 12.12 50.09 3564.36 0.00

29 Days To 3 Months 6617.49 4076.32 29.91 191.97 11947.63 40.00

Over 3 Months To 6 Months 3844.42 36.69 32.33 73.03 10739.15 200.04

Over 6 Months To 1 Year 7320.15 899.81 94.68 0.00 27745.45 0.00

Over 1 Year To 3 Years 14495.39 2417.71 92.77 0.00 13121.22 150.00

Over 3 Years To 5 Years 9011.54 5874.52 8.70 0.00 4321.80 100.00

Over 5 Years 10614.33 13869.11 0.00 0.00 9141.52 1435.00

GRAND TOTAL 57239.07 28294.11 306.51 578.98 84730.17 2305.04

Amount of NPAs (Gross)Category Amt. - `/ Crores

1 Substandard 1494.81

2 Doubtful 1 672.15

3 Doubtful 2 346.99

4 Doubtful 3 13.33

5 Loss 26.24

Net NPAsAmt. - `/ Crores

Net NPAs 1918.60

NPA Ratios

Category Percent

1 Gross NPAs to Gross advances 4.41%

2 Net NPAs to Net advances 3.35%

Movement of NPAs (Gross)

Amt. - `/ Crores


Additions 1619.61

Reductions 602.99




vFk 'ks"k 412-56o”kZ ds n©jku fd, x, Áko/kku 564-68cÍs [kkrs [kÿuk

358-57vf/kd Áko/kkuä dk iqujkadu

bfr'ks"k 618-67

xSj&fu"ikfnr fuos'kä dh jkf'k 59-04

xSj&fu"ikfnr fuos'kä ds fy, Áko/kku 33-45

vFk 'ks"k 22-73o"kZ ds n©jku fd, x, Áko/kku 9-55cÍs [kkrs [kÿuk 'kwU;vf/kd Áko/kkuä dk iqujkadu 13-23bfr'ks"k 19-05

1- cSad us lh-vkj-,-vkj- ifjdyu gsrq ekudhd`r n`f"Vdks.k ds varxZr tksf[+ke Hkkj fu/kkZj.k djus ds fy, fuEu Js.kh fu/kkZjd ,tsfUl;ksa dh lkekU; jsfVax dk mi;ksx djuk vuqeksfnr fd;k gSA ?kjsyw nkoksa ds fy, fdzfly] vkbZlhvkj,] bafM;k jsfVax] fczdodZ] ,l,ebZvkj, rFkk ds;j ,oa vfuoklh dkWjiksjsV] fons”kh cSadksa rFkk fons”kh ljdkj ds nkoksa ds fy, ,l ,.M ih] fQp rFkk ewMht dks vuqeksfnr fd;k gSA

2- Hkkjrh; fjtoZ cSad dh ifjHkk’kk ds vuqlkj bu leLr ,tsfUl;ksa dk Js.kh fu/kkZj.k leLr izdkj ds _.k tksf[+ke ksa ds fy, iz;ksx esa yk;k tk jgk gSA ckly&II ds varxZr fdzfly ifjdyu gsrq ekudhd`r n`f"Vdks.k ds varxZr tksf[+ke Hkkj ds fy, Js.kh dk fu/kkZj.k fd;k tk jgk gSA

3- cSafdax cfg;ksa esa rqYkukRed vkfLr;ksa ij vk/kkfjr Js.kh fu/kkZj.k ds vk/kkj ij lkoZtfud fuxZe ds varj.k ds fy, iz;ksx esa ykbZ xbZ izfdz;k Hkkjrh; fjtoZ cSad dh fofu;ked vfuok;Zrk ds vuq:I gSA Js.kh fu/kkZjd ,tsfUl;ksa }kjk izdkf”kr lkoZtfud Js.kh fu/kkZj.k mudh osclkbZV ij Hkh miyC/k gS] ftldk mn~ns”; gsrq mi;ksx fd;k x;k gSA lEcfU/kr Js.kh fu/kkZjd ,tsUlh ds ekfld cqysfVu ds vuqlkj ykxw Js.kh rFkk ftldh de ls de xr 15 ekg esa ,d ckj leh{kk dh tk pqdh gS] dk bl mn~ns”; gsrq iz;ksx fd;k x;k gSA

4- tgkWa izR;sd _.k tksf[k+e dk Js.kh fu/kkZj.k dsoy ,d vuqeksfnr Js.kh fu/kkZj.k ,tsUlh }kjk fd;k x;k gS] ds viokn dks NksM+dj] izfri{k fo”ks’k ij leLr _.k tksf[k+e ds fy, cSad us dsoy ,d ,tsUlh ds Js.kh fu/kkZj.k dk iz;ksx fd;k gS ;|fi bu _.k tksf[+keksa dk ,d ls vf/kd ,tsfUl;ksa }kjk Js.khdj.k fd;k x;k gSA

5- tksf[+ke Hkkj gsrq ik=rk ds fy, ;g lqfuf”pr fd;k tkrk gS fd ckgjh _.k ewY;kadu RkFkk cSad }kjk mls iznRr leLr Hkqxrku vFkkZr ewy jkf”k rFkk C;kt ds lEcU/k esa] _.k tksf[+ke ,Dlikst+j dh iwjh jkf”k “kkfey djrk gS rFkk izfrfcafcr djrk gSA tksf[+ke Hkkj ds fy, dkWjiksjsV xzqi esa ,d dEiuh ds fy, ckgjh fu/kkZj.k dk iz;ksx mlh xqzi dh vU; dEifu;ksa ds ckgjh fu/kkZj.k ds fy, iz;ksx ugha fd;k x;k gSA

6- vkfLr;k¡a ftudh lafonkxr ifjiDork ,d o’kZ ;k mlls de gS] ds fy, vYikof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gS tcfd vU; vkfLr;ksa ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gSA udn m/kkj ,Dlikst+j ds fy, nh?kkZof/k Js.kh fu/kkZj.k dk iz;ksx fd;k x;k gSA


Punjab & Sind Bank

Movement of Provisions for NPAs

Amt. - `/ Crores



Write-off358.57

Write-back of excess provisions


Amount of Non-Performing Investments

Amt. - `/ Crores

Amount of Non-Performing Investments 59.04

Amount of provisions held for non-performing investments

Amt. - `/ Crores

Provisions held for non-performing investments 33.45

Movement of provisions for depreciation on investments

Amt. - `/ Crores



Write-off Nil

Write-back of excess provisions 13.23


Table DF 4 - CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STAN-DARDISED APPROACH


1. The Bank has approved using the general rating of the following credit rating agencies for risk weighting under the standardized approach for CRAR calculations CRISIL, ICRA, India Rating, SMERA, BRICKWORK and CARE for domestic claims and S&P, FITCH and Moody’s for claims on non-resident corporates, foreign banks and foreign sovereigns.

The ratings of all these agencies are being used for all exposures subjected to rating for risk weighting purposes

3. The process used to transfer public issue ratings on to comparable assets in the banking book is as per regulatory requirements of RBI. The public ratings published by the rating agencies on their website are used for this purpose. Only, ratings which are in force as per monthly bulletin of the concerned rating agency and which have been reviewed at least once during the previous 15 months are used.

4. For all the exposures on a particular counterparty, bank uses the rating of only one agency, even though these exposures are rated by more than one with exception being where each of the exposures is rated by only one of the approved rating agencies.

5. To be eligible for risk-weighting purposes, it is ensured that the external credit assessment takes into account

both principal and interest. External assessments for one entity within a corporate group is not used to risk weight other entities within the same group.

6. For assets that have contractual maturity less than or equal to one year, short term ratings are used while for other assets, long term ratings are used. For Cash Credit exposures long term ratings are taken.



7- tgk¡Wa tkjhdrkZ dk ,d nh?kkZof/k ,Dlikst+j gS ftl ij ckgjh nh?kkZof/k Js.kh fu/kkZj.k ds vuqlkj 150 izfr”kr tksf[+ke Hkkj vfHk’V gksrk gS] mlh izfri{k ds leLr xSj&Js.khxr nkos pkgs os vYikof/k gksa ;k nh?kkZof/k ij 150 izfr”kr tksf[+ke Hkkj ekuk tk,xk] flok, ,sls nkokas esa tgk¡Wa tksf[+ke de djus dh rduhd iz;ksx esa ykbZ xbZ gks vYikof/k Js.kh fu/kkZj.k ij Hkh ;gh ykxw gksxkA

8- vuqeksfnr Js.kh fu/kkZj.k ,tsfUl;ksa }kjk nh?kkZof/k Js.kh fu/kkZj.k dks nh?kkZof/k _.k tksf[+ke Hkkj ds fy, ekudhdr nf"Vdks.k ds varxZr tksf[+ke Hkkj esa izR;{k :i ls “kkfey fd;k tkrk gSA blds foijhr izfri{k ij xSj fu/kkZfjr vYikof/k nkos]] ml izfri{k ij Js.khxr vYikof/k nkos ds fy, tksf[+ke Hkkj ls de ls de ,d Lrj Åij dk tksf[+ke Hkkj ykxw gksxkA

cSad ds fo#) nj fu/kkZj.k lqfo/kk ls mRiUu tksf[+ke Hkkj nkoksa ds vkdyu gsrq fof”k’V :i ls tkjh de vof/k okyh izfrHkwfr;ksa dks iz;ksx fd;k tkrk gS rFkk de vof/k okyh dkWjiksjsV nj fu/kkZfjr izfrHkwfr;ksa dks xSj&fu/kkZfjr nh?kkZof/k nkoksa gsrq tksf[+ke Hkkj leFkZu ds fy, iz;ksx esa ugha yk;k tkrkA

9. ;fn ik= _.k fu/kkZj.k ,tsfUl;ksa }kjk nks Js.kh fu/kkZj.k dh xbZ gSa ftlesa nks vyx&vyx tksf[+ke Hkkj vafdr fd, x, gSa] ogka mPPkrj tksf[+ke Hkkj ykxw fd;k tkrk gSA ;fn ik= _.k Js.kh fu/kkZj.k ,tsfUl;ksa }kjk rhu ;k vf/kd Js.kh fu/kkZfjr dh xbZ gS ftlesa tksf[+ke Hkkj vafdr fd, x, gSa] ogkWa nks U;wure tksf[+ke Hkkj esa ls nwljk mPprj tksf[+ke Hkkj ykxw fd;k x;k gSA

10- tgkWa fo”ks’k fu/kkZfjr ekeyksa esa nkok fuos”k ugha gS] fuos”k nkoksa ij tksf[+ke Hkkj p;fur _.k Js.kh oxhZdj.k ,tsUlh }kjk fo”ks’k Js.kh fu/kkZj.k ij vk/kkfjr gSaA

i) _.k fo”ks’k ds fy, ykxw Js.kh fu/kkZj.k ¼tgkWa Js.kh oxhZdj.k ds tksf[+ke Hkkj xSj&Js.khd`r ekeyksa ij ykxw tksf[+ke Hkkj ls de gS½ cSad ds dsoy xSj&fu/kkZfjr nkoksa ij ykxw gS] tgkWa oxhZd`r ekeykk ,d vYikof/k vfuok;Zrk gS ;fn og nkok le:Ik oxhZd`r gS ;k gj izdkj ls fof”k’V oxhZd`r _.k ls vf/kd gS rFkk xSj &fu/kkZfjr ekeyksa dh ifjiDork fu/kkZfjr ekeyksa dh ifjiDork dss ckn ugha gS] dks NksM+dj cSad ds dsoy xSj&fu/kkZfjr ekeys ij ykxw gSA

ii) ;fn tkjhdrkZ ;k ,dy fuxZe ds fy, xSj&fu/kkZfjr ekeyksa ds fy, ykxw tksf[+ke Hkkj ls vf/kd ;k mlds cjkcj tksf[+ke Hkkj fu/kkZj.k fd;k x;k gS rks ml izfri{k ij xSj&fu/kkZfjr ekeyksa ds fy, ogh tksf[+ke Hkkj fu/kkZfjr gksxk tksfd _.k tksf[+ke Hkkj ij ykxw gksxk] ;fn ;g nkok mlds lkFk&lkFk ;k gj izdkj ls fu/kkZfjr _.k tksf[+ke Hkkj ls de gSA

100% t¨f[ke Òkj Lks de 10509-08 21754-30 32263-37

100% t¨f[ke Òkj 5765-27 14377-32 20142-59

100% t¨f[ke Òkj Lks vf/kd 4582-26 1539-32 6121-57

dV©rh 0-00 0-00 0-00

1- laLFkk ds vtZu dk ?kkVs ls cpkus ds fy,] _.k tksf[+ke de djds jktLo o`f) djuk izca/ku dk izeq[k midj.k gSA cSad vius nSfud ifjpkyu ds nkSjku _.k tksf[+keksa dks de djus ds fy, vusd rjhds vkSj rduhd viukrs gSaA ifjiDork vlarqyu] eqnzk vlarqyu vkSj ewY; lek;kstu ds i”pkr~] iwath izHkkj dks de djus gsrq i;Zos{kd us _.k tksf[+ke de djus ds mik;ksa dh vuqefr nh gSA u, iwath i;kZIrrk QzseodZ ¼csly&II rFkk csly&III½ ds varxZ r igpkus x, _.k tksf[+ke de djus ds fofHkUu dkjd ¼lh-vkj-,e-½ fuEu gSa %&

lEikf”oZd lapkyu

vkWu&cSysal&”khV&usfVax

xkjafV;kWa


Punjab & Sind Bank

7. Where an issuer has a long-term exposure with an external long term rating that warrants a risk weight of 150%, all unrated claims on the same counterparty, whether short-term or long-term, also receive a 150% risk weight, except in cases where credit risk mitigation techniques are used for such claims. Similar is the case with short-term rating.

8. The long-term ratings assigned by the approved rating agencies are directly mapped to the risk weights under the Standardised Approach for long-term exposures. On the contrary, the unrated short-term claim on counter-party attracts a risk weight of at least one level higher than the risk weight applicable to the rated short-term

from the rated facility against banks and a corporate’s short-term rating is not used to support a risk weight for an unrated long-term claim.

9. If there are two ratings accorded by eligible credit rating agencies, which map into different risk weights, the higher risk weight is applied. If there are three or more ratings accorded by eligible credit rating agencies with different risk weights, the ratings corresponding to the two lowest risk weights are referred to and the higher of those two risk weights are applied, i.e., the second lowest risk weight.

applies to an unrated claim) is applied to the bank’s un-assessed claim only if this claim ranks pari-passu

the maturity of the rated claim, except where the rated claim is a short term obligation.

ii) if either the issuer or single issue has been assigned a rating which maps into a risk weight equal to or higher than that which applies to unrated claims, an unrated claim on the same counterparty, is assigned the same risk weight as is applicable to the rated exposure, if this claim ranks pari-passu or junior to the rated exposure in all respects.

Exposure amounts after risk mitigation subject to the standardized approach Amt. - `/ Crores

Risk Weight Category Rated Exposure Un-Rated Exposure Exposure After Credit Risk Mitigation

Below 100 % risk weight 10509.08 21754.30 32263.37

100 % risk weight 5765.27 14377.32 20142.59

More than 100 % risk weight 4582.26 1539.32 6121.57

Deducted 0.00 0.00 0.00

TOTAL 20856.61 37670.94 58527.53

Table DF 5 - CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACHES

1. Qualitative Disclosures1. Credit Risk Mitigation is a proactive management tool designed to enhance revenue growth, while protecting

an entity’s earnings from loss. Banks employ various methods and techniques to reduce the impact of the credit risks they are exposed to in their daily operations. Some of the credit risk mitigation techniques are permitted to be used by the supervisor for reducing the capital charge after adjustment for value, currency mismatch and maturity mismatch. Various Credit Risk Mitigants (CRM) recognized under the New Capital Adequacy Framework (Basel II) and Basel III are as follows:

Collateralised transactions

On-balance-sheet-netting

Guarantees



ekud n`f"Vdks.k ds varxZr lHkh lEikf”oZdksa dks _.k tksf[+ke de djus gsrq ugha ekuk x;k gSA igpkuh xbZ foRrh;

lEikf”oZd fuEufYkf[kr gSa%&

1.½ udnh vkSj tek,a ftlesa fons”kh eqnzk lfEefyr gSaA

2-½ lksuk % 99-99 izfr'kr dh “kq)rk izekf.kr djukA

3-½ dsUnz vkSj jkT; ljdkjksa }kjk tkjh izfrHkwfr;k¡A

4-½ fdlku fodkl&i= vkSj jk’Vzh; cpr&i=A

5-½ thou&chek ikWfyfl;k¡A

6-½ _.k&izfrHkwfr;k¡Wa % “krksaZ ds vuqlkj oxhZd`rA

7-½ cSad }kjk “krksZa ds vuqlkj tkjh voxhZd`r _.k&izfrHkwfr;k¡A

8-½ “krksZsa ds vuqlkj E;wP;qvy QaMksa ds ;wfuV~lA

9) iqu% ÁR;kÒwru ¼jhfLkD;wfjVkbts'kUt½] ØsfMV jsÇVx g¨ ;k u g¨] foŸkh; LkaikÜÆod ds ik= ugÈA

lEikf”oZd lapkyu esa iwath jkgr izkIr djus ds fy, dqN vfrfjDr ekunaM gSa ftudk lh/ks rkSj ij lEikf”oZd izca/ku ij izHkkj iM+rk gS vkSj lEikf”oZd izca/ku ds nkSjku bu igyqvksa dks /;ku esa j[kk tkrk gSA

vkWu&cSysal&”khV&usfVax dsoy _.k@vfxzeksa ¼_.k tksf[+ke ds :i esa ekU;½ vkSj tekvksa ¼lEikf”oZd ds :i esa ekU;½ rd

gh lhfer gS] tgk¡ cSad ds ikl dkuwuh :i ls ykxw usfVax izca/k gS ftlesa fo”ks’k xzg.kkf/kdkj izys[kksa dh tkap dh tkrh gS vkSj ftudk fuoy vk/kkj ij izca/ku fd;k tkrk gSA

4- tgk¡ xkjafV;k¡ lh/ks rkSj ls] lqfuf”pr] vfodYih vkSj “krZjfgr gSa] cSad iwath i;kZIrrk dh lax.kuk djrs le; ,sls _.k laj{k.k dks /;ku esa j[krk gSA ckLky&III ds vuqLkkj ik= xkjaVjksa@izfr xkjaVjksa ds oxZ esa ;s 'kkfey gSa %

i) lEizHkq] lEizHkqrk izkIr laLFkk,a ¼ch-vkbZ-,l-] vkbZ-,e-,Q-] ;wjksfi;u lsaVªy cSad vkSj ;wjksfi;u leqnk; ds lkFk mYYksf[kr ,e-Mh-ch-,l-] bZ-lh-th-lh- ,oa lh-th-Vh-,l-vkbZ-] lh-vkj-th-,Q-Vh-,y-vkbZ- ,p- lfEefyr gSa½] cSad vkSj izkbZejh Mhyj tks izfr i{k ls de Hkkfjr tksf[+ke ;qDr gSaA

ii) fdLkh ÁR;kÒwru vofLFkfr esa tc _.k Lkaj{k.k Ánku fd;k x;k g¨ r¨ mLks N¨M+dj vU; dkjd cká fu/kkZfjr g¨rs gSaA bLkesa ewy] Lkgk;d rFkk Lkac) daifu;ä }kjk _.k Lkaj{k.k Ánku fd;k tkuk 'kkfey gaS tc os vkÒkjh Lks de t+¨f[ke Òkj ij gäA

iii) _.k Lkaj{k.k fdLkh ÁR;kÒwru vofLFkfr eas Ánku fd;k tkrk gS] vU; dkjd] t¨ ml le; cká fu/kkZfjr gSaS ch-ch-ch-& vFkok csgrj v©j t¨ cká :i Lks ,& vFkok csgrj fu/kkZfjr Fks] mUgsa _.k Lkaj{k.k Ánku fd;k x;k FkkA bLkesa ewy] Lkgk;d rFkk Lkac) daifu;ä }kjk _.k Lkaj{k.k Ánku fd;k tkuk 'kkfey gS tc os vkÒkjh Lks de t+¨f[ke Òkj ij gäA

cSad vfHkeq[khdj.k ds izfr lHkh izdkj dh izfrHkwfr;k¡ Lohdkj djrk gSA fQj Hkh ckLky&III ds fu;eksa ds vuqlkj] _.k tksf[+keksa dk leatu ls iwoZ] ik= lEikf”oZdksa ij fopkj fd;k tkrk gS vkSj mudk mfpr mipkj fd;k tkrk gSA cSad ds ikl _.k tksf[+ke de djuss dh ,d foLr`r ikWfylh gS vkSj izfrHkwfr;kssa ds ewY;kadu djus ds fn”kk&funsZ”k miyC/k gSaA cSad xkjaVjksa dh jsfVax djrs le; izfr ikVhZ ls csgrj xkjaVhdrkZvksa dh jsfVax ds ekeyksa esa] ik= xkjafV;ksa dk laKku djrk gSA blds vfrfjDr _.k lqj{kk ds fy, dsanzh; ljdkj] jkT; ljdkj] bZ-lh-th-lh- vkSj lh-th-Vh- doj dks Hkh mi;qDr tksf[+ke Hkkj yxkrs le; /;ku esa j[kk tkrk gSA

ekud –f"Vd¨.k ds varxZr _.k t¨f[+ke LkafoÒkx dk ÁdVhdj.k doj fd;k x;kA dqy _.k t¨f[ke% ik= foŸkh; ÁfrÒwfr dV©rh djus ds mijkUr dj¨M :i,+


Punjab & Sind Bank

All collaterals are not recognised as credit risk mitigants under the Standardised Approach. The following are

i) Cash and Deposits including deposits in foreign currency.

ii) Gold: benchmarked to 99.99% purity.

iii) Securities issued by Central and State Governments

v) Life insurance policies

vi) Debt securities -Rated subject to conditions.

vii) Debt securities not rated issued by banks subject to conditions

viii) Units of mutual funds subject to conditions

There are certain additional standards for availing capital relief for collateralized transactions, which have direct bearing on the management of collaterals, and these aspects are taken into account during Collateral Management.

3. On-balance-sheet-netting

and which are managed on a net basis.

4. Guarantees Where guarantees are direct, explicit, irrevocable and unconditional, bank takes account of such credit protection in calculating capital requirements. The range of eligible guarantors / counter guarantors as per Basel III includes:

i) Sovereigns, sovereign entities (including BIS, IMF, European Central Bank and European Community as well as those MDBs, ECGC and CGTSI, CRGFTLIH), banks and primary dealers with a lower risk weight than the counterparty;

ii) Other entities that are externally rated except when credit protection is provided to a securitisation exposure.

a lower risk weight than the obligor.

iii) When credit protection is provided to a securitisation exposure, other entities that currently are externally rated BBB- or better and that were externally rated A- or better at the time the credit protection was provided.

a lower risk weight than the obligor.

The Bank accepts all types of collaterals against exposures. However, for Basel-III norms, the eligible collaterals are considered and given appropriate treatment before they are set-off against exposures. The bank has a well laid-out Credit Risk Mitigation & Collateral management Policy and also guidelines for valuation of collaterals. The Bank also takes cognizance of eligible guarantees and substitution of rating of guarantor(s) in cases where these are better than that of the counter-party. Besides, for purposes of credit protection, Central Govt., State Govt., ECGC and CGFT coverages are also taken into account to apply appropriate risk weights.

collateral; after the application of haircuts – ` 2491.56 crore

Table DF 6- SECURITISATION: DISCLOSURE FOR STANDARDISED APPROACH




vkfLr;ä ds izfrHkwfrdj.k dh uhfr ds mÌsÜ;

1-1 mfpr ewY; ij ¼vkfLr vk/kkfjr izfrHkwfrdj.k@ca/kd ds ek/;e ls ½ cSad ds lalk/kuksa dks c<+kukA

1-2 t:jr iM+us ij] ifjiDork varj dks de djus ds fy,] mRre vkfLr ns;rk izca/ku gsrq yEch le;kof/k dh vkfLr;ksa dks cspk tk ldrk gSA

1-3 cSad dh lao`f) dks izHkkfor fd, fcuk n{krk ls iwath dks’k dh O;oLFkk djus ds fy,A

1-4 iwath dh nqyZHkrk ds ckotwn O;olk; dh fujarjrk rFkk vkfLr;ksa ds vkorZu gsrqA

1-5 fuf/k;ksa ds u, lzksrksa dk mi;ksx rFkk orZeku fuf/k;ksa ds lk/kuksa dk fofo/khdj.kA

1-6 izfrykHk dks c<+kus ds fy, vkfLr;ksa dk tYnh tYnh Ø;&foØ; A

1-7 _.k lafoHkkx ds mfpr izca/ku ds fy, mPp laØsUnz.k ds {ks=ksa esa vkfLr;ksa dks fdjk, ij ysdj] cSad bu {ks=ksa esa vfrfjDr

O;olk; djuk tkjh j[kus dh fLFkfr esa gksxk vkSj bl rjg cktkj esa viuk fgLlk] xzkgd laca/k bR;kfn cjdjkj j[k ldrk gSA

2- ihVhlh ds fy, vfHknku djds ;k fQj mfpr izfrykHk nj okys _.kksa ds f}i{kh; vkoaVu ds ek/;e ls vkfLr;ksa dh [kjhn }kjk vf/k”ks’k fuf/k;ksa ds Fkksd vfHkfu;kstu dk Hkh ,d lk/kuA

cSad us izfrHkwfrdj.k ds varxZr _.k lafoHkkx dks fdlh vU; laLFkk ¼vksa½ dks ugha cspk gSA

ekud Lkewg vkfLr;ä ds ÁfrÒwfrdj.k ¼Lkeuqns'ku½ ds varxZr _.k t¨f[ke ¼cdk;k 'ks"k½ 78-69 dj¨M :i,+

rkfydk Mh-,Q- 7- VªsfMax cqd esa ckt+kj tksf[+ke

cktkj t¨f[+ke dk vk'k; C;kt njä esa ifjorZu] fons'kh eqæk njä] cktkj ewY;ä ,oa ifjorZuh;rk Lks güs okys Òfo"; dh vk; dh vfuÜfprrk Lks gSA cSad ;g ekurk gS fd cktkj t¨f[+ke esa mLkds m/kkj@_.k nsus rFkk tek ysus tSLks O;oLkk;ä v©j fuos'k xfrfof/k;ä ;Fkk LFkku xzg.k djuk ,oa O;kikj djuk Òh 'kkfey gSA cktkj t¨f[ke dk fuos'k uhfr;ä ds vuqLkkj Áca/ku fd;k tkrk gS, ftLkdk vuqe¨nu c¨MZ }kjk fd;k tkrk gSA ;s uhfr;ä] ÁfrÒwfr;ä ds Ápkyu] fon'kh eqæk rFkk vU; mRiknä d¨ Lkqn+<+ ,oa Lohdk;Z O;kikj] dk;Z ÁfØ;kvksa ds vuqLkkj gük LkqfuÜfpr djrh gS v©j tgka rd g¨ Lkds ;s fofu;ked fn'kk&funsZ'kä ds vuqLkkj forh; ÁfrÒwfr;ä ds varj.k d¨ 'kkfLkr djus okys fo/kkuä rFkk foŸkh; ifjos'k ds vuqLkj.k esa dk;Z djrs gSaA O;kikj dh iqLrdä esa cktkj t¨f[+ke dk vkadyu ekudhÑr vkof/kd vfÒ:[k ds vuqLkkj fd;k tkrk gSA VªsÇMx ¼O;kikj½ ds vk;¨tu gsrq rFkk foØ; ds fy, miyC/k i¨VZQ¨fy;¨ ds vuqLkkj iwathxr pktZ dh Lkax.kuk Òkjrh; fjt+oZ cSad ds ÁwMasf'k;y fn'kk&funsZ'kä ds vuqLkkj dh tkrh gSA

cktkj t¨f[+ke Áca/ku ds mÌsÜ; fuEu Ádkj ls gS %

ifjLkekfIr dk Áca/ku

C;kt nj t+¨f[ke ,oa fofue; nj t¨f[+ke dk Áca/ku

fuos'k i¨VZQ¨fy;¨ dk mfpr oxÊdj.k ,oa ewY;kadu

fuos'kä rFkk O;qRiknä inkFkäZ dh i;kZIr ,oa mfpr fji¨ÉVx

fofu;ked vis{kkvksa dk vuqikyu

ek=kRed ÁdVhdj.k

iwath vkoÜ;drk jkf'k- :@dj¨M+

C;kt nj t¨f[+ke 175-54

'ks;j fLFkfr t¨f[+ke 37-25fons'kh fofue; t¨f[+ke 0-77

rkfydk Mh-,Q- 8- ifjpkyuxr tksf[+ke


Punjab & Sind Bank

Objective of Policy on Securitization of Assets

1. For Raising Resources1.1 To raise resources for the Bank (through mortgage/ asset backed securitization) at a reasonable cost.

1.2 For better asset liability management as long tenure assets can be disposed off, in case of need, to reduce the maturity mismatches.

1.4 To rotate assets and to continue to book business even while capital availability is scarce.

1.5 To access to new source of funding and diversify the existing funding sources.

1.6 To maximize the returns by churning assets fast.

1.7 For better managing the credit portfolio. By hiring of assets in sectors of high concentration, the Bank would be in a position to continue to book additional business in these sectors and hence maintain market share, client relationship etc.

2. For Deploying Surplus Funds: Avenue for bulk deployment of surplus funds either by subscribing to the PTCs or by purchase of assets through bilateral assignment of debts with reasonable rate of return.

However, Bank has not sold out any standard credit portfolio under securitization to any other entities.

Exposure (Balance Outstanding) under Securitisation (Assignment) of Standard Pool Assets – ` 78.69 crore

Table DF 7 - MARKET RISK IN TRADING BOOK

Qualitative disclosuresMarket risk refers to the uncertainty of future earnings resulting from changes in interest rates, foreign exchange rates, market prices and volatilities. The Bank assumes market risk in its lending and deposit taking businesses and in its investment activities, including position taking and trading. The market risk is managed in accordance with the investment policies, which are approved by the Board. These policies ensure that operations in securities, foreign exchange and derivatives are conducted in accordance with sound and acceptable business practices and are as per

Market Risk in Trading Book is assessed as per the Standardized Duration approach. The capital charge for Held for Trading (HFT) and Available for Sale (AFS) portfolios is computed as per Reserve Bank of India prudential guidelines.

Market risk management objectives:

The objectives of market risk management are as follows:

Management of liquidity

Management of interest rate risk and exchange rate risk.

Adequate and proper reporting of investments and derivative products

Compliance with regulatory requirements

Quantitative DisclosuresThe capital requirements for: Amt. - `/ Crores

Interest rate risk; 175.54

Equity position risk; 37.25

Foreign exchange risk; 0.77

Table DF 8 - OPERATIONAL RISK

Qualitative disclosures



cSasd us ifjpkyuxr tksf[+ke izca/ku rFkk O;olk; fujarjrk vk;kstu o vkink olwyh izca/ku ij uhfr;k¡ rS;kj dh gSaA cSad dk funs”kd&e.My okf’kZd vk/kkj ij bu uhfr;ksa dh leh{kk djrk gSA cSad tksf[+ke gkfu vkadM+ksa ds laxzg.k dh izfdz;k esa yxk gSAifjpkyukRed tksf[+ke lEcU/kh uhfr ds vuqlkj dk;Zdkjh funs’kd dh v/;{krk esa ifjpkyukRed tksf[+ke izca/ku lfefr ¼vks-vkj-,e-lh-½ xfBr dh xbZ gSA vks-vkj-,e-lh- dh fu;fer cSBdsa izR;sd frekgh esa de ls de ,d ckj vk;ksftr dh tkrh gSA “kk[kkvksa dh vkWu lkbZV tksf[+ke vk/kkfjr vkarfjd ys[kk&ijh{kk ¼vkj-ch-vkbZ-,-½ cSad dk fujh{k.k lEiUu djrk gSA 3 djksM+ #i;s ls Åij ds lHkh _.k izLrkoksa] lhekvksa dh fu;fer :i ls _.k ys[kk&ijh{kk Hkh dh tkrh gSA

gkml dhÇix] lek/kku ,oa /kks[kk/kM+h vkfn ls lEcfU/kr ekeyksa esa dze”k% fujh{k.k foHkkx] lek/kku foHkkx ,oa lrdZrk foHkkx budhfjiksfVZax le;≤ ij vkWfMV desVh vkWQ cksMZ ¼,-lh-ch-½ dks djrs gSaA ifjpkyukRed tksf[+ke rFkk O;oLkk; fujarjrk vk;kstu ls lEcfU/kr fofu;ked fjiksVZ dks le;c) ,oa fu;fer fd;k tkrk gSA ifjpkyukRed tksf[+ke ds fy, iwath izHkkj dh lax.kuk gsrq orZeku esa cSad ewyHkwr lwpdkad i)fr dk vuqikyu dj jgk gSA rFkkfi ifjpkyUkkRed tksf[+ke ds fy, iwath izHkkj dh lax.kuk mUUkr i)fr;ksa dh vksj mUeq[k gksus dh rS;kjh Hkh cSad ds lkFk&lkFk dj jgk gSA

rkfydk Mh-,Q- 9- cSad dh cfg;ksa esa C;kt nj tksf[+ke ¼vkbZvkjvkjchch½

cSad cgh esa C;kt nj tksf[+ke dk izca/ku rFkk ewY; fu/kkZj.k vk; ij tksf[+ke n`f"Vdks.k gsrq ijEijkRed varj rFkk vkfFkZd ewY; n`f"Vdks.k gsrq la”kksf/kr vof/k varj ds ek/;e ls fd;k x;k gSA cSad cgh esa C;kt nj tksf[+ke ds vUrxZr lHkh vfxze rFkk ifjiDorkrd j[ks tkus okys fuos”k “kkfey gSaA _.k uhfr;k¡ rFkk izfdz;k,a@lajpuk vkSj laxBu@fo’k;&{ks= rFkk tksf[+ke lwpuk&ra= dh izd`fr@uhfr;k¡ vkfn Mh-,Q-&8 ds vUrxZr crk, vuqlkj gh gSaA cSafdax cqd ¼vkbZvkjvkjchch½ esa C;kt nj tksf[+ke ds ekin.Mksa dh dk;Z&i)fr Hkkjrh; fjt+oZ cSad }kjk funsZf”kr fn”kk&funsZ”kksa ds vuq:i gSA

1-1 Hkkjrh; fjt+oZ cSad us ;g fu/kZkfjr fd;k gS fd C;kt nj laonsu”khyrk ¼iqqueZwY; fu/kkZj.k varj½ fooj.k ftls ekfld varjky ij rS;kj fd;k tkrk gS] ds tfj, C;kt nj tksf[+ke dh fuxjkuh dh tk,A rnuqlkj] vkfLr ns;rk izca/ku lfefr ekfld vk/kkj ij C;kt nj laosnu”khyrk dh leh{kk djrh gSA vkfLr;ksa o ns;rkvksa nksuksa esa C;kt nj esa leku ifjorZu ds dkj.k cSad dh “kq) C;kt vk; esa gksus okys ifjorZu dk vkdyu djrh gSA

1-2 Hkkjrh; fjt+oZ cSad us vof/k varj fo”ys’k.k ds nkSjku C;kt nj laosnu”khyrk ds ek/;e ls vkfLr;ksa o ns;rkvksa ds vkfFkZd ewY; ij C;kt nj ifjorZu ds izHkko dk vuqeku yxkus dk Hkh fu/kZkj.k fd;k gSA cSad frekgh@ekfld varjky ij Hkkjrh; fjt+oZ cSad }kjk ;Fkk fu/kZkfjr vof/k varj fo”ys’k.k Hkh djrk gSA bZfDoVh ds ckt+kj ewY; ¼,eohbZ½ ij C;kt nj ifjorZu ds izHkkoksa dk vkof/kd varjky fo”ys’k.k ds ek/;e ls fujh{k.k fd;k tkrk gSA mijksDr dk iz;ksx djrs gq,] izR;sd cdsV gsrq vkfLr;ksa ,oa ns;rkvksa dh ifjofrZr vof/k dh x.kuk dh tkrh gS rFkk mijksDr }kjk ns;rkvksa o vkfLr;ksa dh la”kksf/kr vof/k dh lax.kuk izR;sd dky&pØij ifjdfyr dh tkrh gS vkSj C;kt nj ds 200 chih,l ds ifjorZu dks tksM+us ds ckn ewY; ij iM+s izHkko dk ifjdyu dj “kq) fLFkfr izkIRk dh tkrh gS rkfd ;g fu/kZkfjr fd;k tk lds fd ewY; esa ldkjkRed o`f) gqbZ gS ;k ughAa

1-3 vkfLr;ksa rFkk ns;rkvksa ds foodsiw.kZ mik; gsrq bZ,vkj rFkk “kq) vkof/kd varj dh lhek dk fu/kZkj.k fd;k tkrk gS rFkk fu;fer varjky ij bldh fuxjkuh dh tkrh gSA

ek=kRed ÁdVhdj.k

jkf'k- :@-dj¨M+

,d o"kZ varjky rd v©Lkru 100 vk/kkj vad ifjorZu dk ÁÒko 81- 71

Áfri{kh; _.k t¨f[+ke ¼Lkh-Lkh-vkj½ Òqxrku Lks iwoZ vFkok Òqxrku dh frfFk d¨ ysu&nsu ds fuiVku ds le; izfri{k }kjk dh xbZ pwd okyk t¨f[+ke gSA Áfri{k dh _.k Lkhek,a ¼varj cSad Lkhek,a½ ,,y,e uhfr ds varxZr r; dh tkrh gSa vkSj ,,y,e uhfr ds ek/;e ls gh fuxjkuh j[kh tkrh gSA Áfri{k ds LkkFk fd, x, LkÒh O;qRikn ysu-nsu dk ewY;kadu cSad ds c¨MZ }kjk vuqe¨fnr O;qRikn uhfr ¼MsfjosfVo ikfyLkh½ ds ek/;e Lks fd;k tkrk gSA gkykafd cSad us d¨bZ O;qRikn ysu&nsu ugÈ fd;kA

xyr rjhds Lks gq, _.k t¨f[ke ds fy, cSad dh d¨bZ uhfr ugÈ gSA cSad d¨ vÒh fdLkh _.k Lkgk;d vuqca/k ¼lh-,Lk-,-½ Lke>©rk Áfri{k¨a ds LkkFk djuk gS v©j bLkdk ÁÒko orZeku esa vifjek.; gSA


Punjab & Sind Bank

The Bank has formulated Policies on “Operational Risk Management” and the “Business Continuity Plan & Disaster Recovery Management”. These policies are being reviewed by the Board of the Bank on annual basis. Bank is in process of collecting “Loss Data”.

As per the policy on Operational Risk, the Operational Risk Management Committee (ORMC) has been set up which is headed by the Executive Director. Regular meetings of the ORMC are convened at least on quarterly basis. Inspection Deptt of the bank undertakes onsite “Risk Based Internal Audit” (RBIA) of the branches. Credit Proposals / Limits beyond ` 3 Crores are subjected to Regular Credit Audit also.

Inspection, Reconciliation and Vigilance Departments are reporting matters relating to Housekeeping, Reconciliation and Frauds etc. periodically to ACB. Regulatory reporting with regard to Operational Risk and Business Continuity Plan is made timely & regularly. Bank is presently following ‘Basic Indicator Approach” for calculating Capital Charge on Operational Risk. However, the bank is preparing to move to advance approaches of calculating capital charge for Operational Risk.

Table DF 9 -INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)Qualitative disclosures

The Interest rate risk in banking book is measured and managed by the bank through Traditional Gap for Earnings at

book includes all advances and investments kept under Held to Maturity (HTM) portfolio. The strategies and process/structure of organization / scope and nature of risk reporting/policies etc. are the same as reported under DF – 8. The methodology adopted to measure the interest rate risk in banking book (IRRBB) is based on RBI suggested guidelines.

1.1 RBI has stipulated monitoring of interest rate risk through a Statement of Interest Rate Sensitivity (Reprising Gaps) to be prepared at monthly intervals. Accordingly, ALCO reviews Interest Rate Sensitivity statement on monthly basis and monitors the Earnings at Risk (EaR) which measures the change in net interest income of the Bank due to parallel change in interest rate on both the assets and liabilities.

1.2 RBI has also stipulated to estimate the impact of change in interest rates on economic value of bank’s assets and liabilities through Interest Rate Sensitivity under Duration Gap Analysis (IRSD). Bank also carries out Duration Gap analysis as stipulated by RBI at monthly/quarterly intervals. The impact of interest rate changes on the Market Value of Equity (MVE) is monitored through Duration Gap Analysis. Using the above,

a change in interest rate by 200 bps is reckoned by adding up the net position is arrived to determine as to whether there will be a positive increase in the value or otherwise.

liabilities and the same is monitored at regular intervals.


a) Earning at RiskAmt. - `/ Crores

At 100 bps change for gaps upto 1 year on average basis 81.71

Table DF-10: General Disclosure for Exposures Related to Counterparty Credit Risk

Qualitative Disclosures Counter Party Credit Risk (CCR) is the risk of default by the Counterparty towards settlement of transaction before or at the maturity. Counter party credit limits (Inter Bank limits) are set up and monitored through ALM Policy. All the Derivative Transactions with the Counterparty are evaluated through Board approved Derivative Policy of the Bank. However, Bank is not having any Derivative Transactions

Bank does not have any policy related to Wrong Way Risk exposure. Bank is yet to enter into any Credit Support



fooj.k Lkkadsfrd jkf'k orZeku vofLFkfr

fon'kh eqæk Lkafonk,a 7104-90 221-65

cSad ds ikLk d¨bZ O;qRikn vofLFkfr(,DLki¨t+j)@ysu -nsu esa ugÈ gSA

(dj¨M+ -:i,/- esa)fofu;ked Lkek;¨tuä ds LkaØe.k vFkkZr~ 31 ekpZ 2013 Lks 31 fnLkEcj 2017 rd ds n©jku ckLky III ds varxZr vke ÁdVhdj.k gsrq VSEiysV

jkf'k ckLky IIIds ykxw güs Lks iwoZ

LkanÒZ Lka-

Øe Lka- LkkekU; bZfDoVh fV;j 1 iw¡th% Lkgk;d o vkjf{kr

1ÁR;{kr% tkjh LkkekU; vgZrk 'ks;j iw¡th ,oa rRLkaca/kh vf/k'ks"k LV‚d ¼'ks;j Áhfe;e½ 979-26

2 Áfr/kkfjr miktZu 183-21

3 vU; Lkafpr O;kid vk; ¼,oa vU; vkjf{kr fuf/k;ka½ 2818-06

4

LkhbZVh 1 Lks ÁR;{kr% tkjh iw¡th ¼dsoy xSj&Lka;qDr LV‚d dEifu;ä 1 ij ykxw½ 1-1-2018 rd LkkoZtfud {ks= d¨ iSr`d :i Lks miyC/k djkbZ xbZ iw¡th

0-00

5vuq"kafx;ä }kjk t+kjh o rhLkjs i{k }kjk j[kh xbZ LkkekU; 'ks;j iw¡th ¼LkhbZVh 1 Lkewg gsr LohÑr jkf'k½ 0-00

3980-53

LkkekU; bZfDoVh fV;j 1 iw¡th% fofu;ked Lkek;¨tu

7 foosdLkEer ewY;kadu Lkek;¨tu 0-00

8 Lkk[k ¼Lkacaf/kr dj ns;rk dk 'kq)½ 0-009 ca/kd LkÆoÇLkx vf/kdkj ds vfrfjDr vU; vewrZ ¼Lkacaf/kr dj ns;rk dk 'kq)½ 0-05

10 vkLFkfxr dj vkfLr;ka 0-00

11 udn Áokg cpko vkjf{kr fuf/k 0-00

12 vuqekfur gkfu gsrq fd, x, Áko/kkuä esa deh 0-00

13 foØ; ij ÁfrÒwfrdj.k ykÒ 0-00

14mfpr ewY; nsunkfj;ä ij vius _.k t¨f[ke esa ifjorZu ds dkj.k gqvk ykÒ ,oa gkfu 0-00

15 fu/kkZfjr ykÒ is'ku QaM fuoy LkEifŸk;ka 0-00

16Lo;a ds 'ks;jä esa fuos'k ¼;fn iwoZ esa ÁLrqr fd, x, rqyu&i= esa ÁnRr iw¡th esa fu/kkZj.k u fd;k x;k g¨½ 0-00

17 LkkekU; bZfDoVh esa ijLij Áfr/kkfjrk 13-47


Punjab & Sind Bank

Quantitative

Bank does not recognize bilateral netting`in Crores

Particulars Notional Amount Current Exposure

Foreign Exchange Contracts 7104.90 221.65

Bank is not having any derivative exposure/transactions.

Table DF 11 – Composition of Capital`in Crores

Basel III common disclosure template to be used during the transition of regulatory adjustments (i.e. from March 31, 2013 to December 31, 2017)

Amounts Subject To Pre Basel III Treatment

Ref No.

S. No.

Common Equity Tier 1 capital: instruments and reserves

1Directly issued qualifying common share capital plus related stock surplus (share premium)

979.26

2 Retained earnings 183.21

3 Accumulated other comprehensive income (and other reserves) 2818.06

4Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies1) Public sector capital injections grandfathered until 1/1/2018

0.00

5Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1)

0.00

6 Common Equity Tier 1 capital before regulatory adjustments 3980.53

Common Equity Tier 1 capital: regulatory adjustments

7 Prudential valuation adjustments 0.00

8 Goodwill (net of related tax liability) 0.00

9 Intangibles other than mortgage-servicing rights (net of related tax liability) 0.05

10 Deferred tax assets 0.00

11 0.00

12 Shortfall of provisions to expected losses 0.00

13 Securitisation gain on sale 0.00

14 Gains and losses due to changes in own credit risk on fair valued liabilities 0.00

15 0.00

16Investments in own shares (if not already netted off paid-in capital on reported balance sheet)

0.00

17 Reciprocal cross-holdings in common equity 13.47



18

fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚] t¨ fofu;ked Lkesdu esa LkfEefyr ugÈ dh tk Lkdrh] ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj] tg‚a cSad ds ikLk t+kjh fd, x, 'ks;j iw¡th dk 10 izfr'kr Lks vf/kd 'ks;j /kkfjrk u g¨] dh iw¡th esa fuos'k ¼vkjfEÒd 10izfr'kr jkf'k Lks vf/kd½]

0-00

19

fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚a] ds LkkekU; 'ks;jä esa egRoiw.kZ fuos'k] ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj, ¼vkjfEÒd 10izfr'kr Lks vf/kd jkf'k dh Lkhek½

0-00

20ca/kd LkÆoÇLkx vf/kdkj ¼vkjfEÒd 10izfr'kr jkf'k Lks vf/kd½] Lk acaf/kr

ugÈ

21

vLFkk;h vUrj ds dkj.k mRié gqbZ vkLFkfxr dj vkfLr;‚a ¼vkjfEÒd 10izfr'kr jkf'k Lks vf/kd] Lkacaf/kr dj ns;rk dk fuoy½]

Lkacaf/krugÈ

22vkjfEÒd 15izfr'kr Lks vf/kd dh jkf'k Lkacaf/kr

ugÈ

23ftLkdk% foRr ds LkkekU; LV‚d esa egRoiw.kZ fuos'k Lkacaf/kr

ugÈ

24ftLkdk% ca/kd LkÆoÇLkx vf/kdkj Lkacaf/kr

ugÈ

25ftLkdk% vLFkk;h vUrj ds dkj.k mRié gqbZ vkLFkfxr dj vkfLr;‚a Lkacaf/kr

ugÈ

26 fof'k"V jk"Vªh; fofu;ked Lkek;¨tu ¼26,+26ch+26lh½ 69-08

26,

vLkesfdr xSj&foRrh; Lkgk;d de~ifu;ä dh bfDoVh iwath esa fuos'k 0

26ch

LkokZf/kd LokfeRo okyh dEifu;‚a] t¨ cSad ds LkkFk Lkesfdr ugÈ dh x;È] ds bZfDoVh iw¡th esa deh

0

26Lkh vifj'k¨f/kr isa'ku fuf/k O;; 69-08

82-60

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa] mnkgj.k ds fy,% ,,Q,Lk _.k ÁfrÒwfr;ä ij vewrZ gkfu gVkus ds ckn ¼Òkjrh; LkanÒZ esa ykxw ugÈ½

-

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa] mnkgj.kkFkZ vLFkk;h vUrj ds dkj.k mRié gqbZ vkLFkfxr dj vkfLr;‚a]

-

ftLkdk% lek;¨tu ds uke dk mYys[k djsa] mnkgj.kkFkZ vewrZ vkfLr;ka] -

27

vi;kZIr vfrfjDr fV;j 1 rFkk fV;j 2 ds dkj.k dV©rh dh ÒjikbZ gsrq fV;j 1 ds LkkekU; bZfDoVh ij ykxw fofu;ked Lkek;¨tu

-

28 LkkekU; bZfDoVh fV;j 1 ij dqy fofu;ked Lkek'k¨/ku 82-60

30ÁR;{kr% tkjh ik= vfrfjDr fV;j 1 fy[kr ,oa Lkacaf/kr LV‚d LkjIyLk ¼31++32½ 360-00

31

ftLkdk% fu/kkZfjr ekud ys[kkadu ds v/khu bZfDoVh ds :i esa ifjÒkf"kr ¼LFkk;h vLkap;h vf/kekfur 'ks;j½

200-00

32ftLkdk% fu/kkZfjr ekud ys[kkadu ds v/khu ns;rkvksa ds :i esa ikfjÒkf"kr¼LFkk;h _.k fy[kr½s 160-00

33 vfrfjDr fV;j 1 esa vLkfEefyr ÁR;{kr% tkjh iw¡th fy[kr 288-00


Punjab & Sind Bank

18outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above 10% threshold)

0.00

19 entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)

0.00

20 Mortgage servicing rights4 (amount above 10% threshold)Not

Relevant

21Deferred tax assets arising from temporary differences5 (amount above 10% threshold, net of related tax liability)

Not Relevant

22 Amount exceeding the 15% thresholdNot

Relevant23

Not Relevant

24 of which: mortgage servicing rightsNot

Relevant25 of which: deferred tax assets arising from temporary differences

Not Relevant

26 69.08

26a 0

26bbeen consolidated with the bank

0

26c Unamortised pension funds expenditures 69.08

REGULATORY ADJUSTMENTS APPLIED TO COMMON EQUITY TIER 1 IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT

82.60

Indian context)-

OF WHICH: deferred tax assets arising from temporary differences -

OF WHICH: intangible assets -

27Additional Tier 1 and Tier 2 to cover deductions

-

28 Total regulatory adjustments to Common equity Tier 1 82.60

29 Common Equity Tier 1 capital (CET1) 3897.93

Additional Tier 1 capital: instruments

30Directly issued qualifying Additional Tier 1 instruments plus related stock surplus

360.00

31Cumulative Preference Shares)

200.00

32debt Instruments)

160.00

33 Directly issued capital instruments subject to phase out from Additional Tier 1 288.00



34vfrfjDr fV;j 1 fy[kr ¼,oa LkhbZVh1 fy[kr] ftLks iafDr 5 esa 'kkfey ugÈ fd;k x;k gSA½] t¨ Lkgk;d dEifu;ä }kjk tkjh fd, x, gä ,oa rhLkjs i{k}kjk /kkfjr gä ¼jkf'k Lkewg ,Vh1 gsrq LohÑr gSA½ 0-00

35 ftLkdk% Lkgk;d dEifu;ä }kjk tkjh fy[kr] ftLks fudky fn;k x;k g¨ 0-00

37 Lo;a ds vfrfjDr fV;j1 ds fy[kr esa fuos'k 0-00

38 vfrfjDr fV;j 1 fy[kr esa ijLij Áfr/kkfjrk 0-00

39

fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚a] ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj, tg‚a cSad ds ikLk t+kjh fd, x, LkkekU; 'ks;j iw¡th dk 10% Lks vf/kd 'ks;j/kkfjrk uk g¨, dh iw¡th esa fuos'k ¼vkjfEÒd 10izfr'kr jkf'k Lks vf/kd½]

0-00

40fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚a] dh iw¡th esa egRoiw.kZ fuos'k] ¼ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj 'kq)½

0-00

41 fof'k"V jk"Vªh; fofu;ked Lkek;¨tu 0-00

41,LkokZf/kd LokfeRo okyh dEifu;‚a, t¨ cSad ds LkkFk Lkesfdr ugÈ dh x;È] ds vfrfjDr fV;j1 iw¡th esa deh

0-00

41chckLky III ykxw güs Lks iwoZ vfrfjDr fV;j&1 iw¡th Lks Lkac) jkf'k ij ykxw fofu;ked Lkek;¨tu

103-69

ftLkdk Lkek;¨tu ds uke dk mYys[k djsa] mnkgj.kkFkZ MhVh,] 0-00

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa mnkgj.kkFkZ fo|eku Lkek;¨tu] ftUgsa 50izfr'kr dh nj Lks fV;j&1 Lks dkVk x;k gS] 0-08

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa] 103-61

42 vi;kZIr fV;j 2 ds dkj.k dV©rh dh ÒjikbZ gsrq vfrfjDr fV;j&1 ij ykxw fofu;ked Lkek;¨tu

43 vfrjfä fV;j&1 iw¡th ij ykxw dqy fofu;ked Lkek;¨tu 103-69

44 vfrfjDr fV;j&1 iw¡th ¼,Vh1a½ 184-31

44, iw¡th i;kZI~rrk gsrq j[kk x;k vfrfjDr fV;j&1 iw¡th 184-31

46 ÁR;{kr% tkjh ik= fV;j 2 fy[kr ,oa Lkacaf/kr LV‚d LkjIyLk 0-00

47 fV;j&2 esa Lks ÁR;{kr: tkjh iw¡th fy[kr 1132

48fV;j&2 fy[kr ¼,oa iafä 5 vFkok 34 esa LkfEefyr ugÈ fd, x, LkhbZVh1 v©j ,Vh1 fy[kr½ t¨ Lkgk;d dEifu;ä }kjk tkjh fd, x, gä ,oa rhLkjs i{k }kjk /kkfjr gä ¼jkf'k Lkewg fV;j&2 gsrq LohÑr dh x;h gÄ½ 0-00

49 ftLkdk% fudkys x, fy[kr t¨ Lkgk;d dEifu;ä }kjk t+kjh fd, x, gä 0-00

50 Áko/kku 726-62

52 Lo;a ds fV;j&2 fy[kr esa fuos'k 0-00


Punjab & Sind Bank

34Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)

0.00

35 of which: instruments issued by subsidiaries subject to phase out 0.00

36 Additional Tier 1 capital before regulatory adjustments 288.00

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1 instruments 0.00

38 Reciprocal cross-holdings in Additional Tier 1 instruments 0.00

39outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)

0.00

40are outside the scope of regulatory consolidation (net of eligible short positions)

0.00

41 0.00

41ahave not been consolidated with the bank

0.00

41bREGULATORY ADJUSTMENTS APPLIED TO ADDITIONAL TIER 1 IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT

103.69

OF WHICH: deferred tax assets arising from temporary differences 0.00

OF WHICH: existing adjustments which are deducted from Tier 1 at 50% 0.08

OF WHICH: 103.61

42cover deductions

-

43 Total regulatory adjustments to Additional Tier 1 capital 103.69

44 Additional Tier 1 capital (AT1) 184.31

44a Additional Tier 1 capital reckoned for capital adequacy 184.31

45 Tier 1 capital (T1 = CET1 + AT1) (row 29 + row 44a) 4082.24

Tier 2 capital: instruments and provisions

46 Directly issued qualifying Tier 2 instruments plus related stock surplus 0.00

47 Directly issued capital instruments subject to phase out from Tier 2 1132

48Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)

0.00

49 of which: instruments issued by subsidiaries subject to phase out 0.00

50 Provisions 726.62

51 Tier 2 capital before regulatory adjustments 1858.62

Tier 2 capital: regulatory adjustments

52 Investments in own Tier 2 instruments 0.00



53 fV;j&2 fy[kr esa ijLij Áfr/kkfjrk 26-80

54

fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚a] ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj] tg‚a cSad ds ikLk t+kjh fd, x, LkkekU; 'ks;j iw¡th dk 10izfr'kr Lks vf/kd 'ks;j/kkfjrk u g¨] dh iw¡th esa fuos'k ¼vkjfEÒd 10izfr'kr jkf'k Lks vf/kd½]

0-00

55fofu;ked Lkesdu ds dk;Z{ks= Lks ckgj cSaÇdx] foRrh; ,oa chek dEifu;‚a] dh iw¡th esa egRoiw.kZ fuos'k ¼ekU; vf/kfoØ; dh fLFkfr ds vuqLkkj 'kq)½

0-00

56 fof'k"V jk"Vªh; fofu;ked Lkek;¨tu ¼56,+56ch½ 0-00

56a, LkokZf/kd LokfeRo okyh foRrh; dEifu;‚a] t¨ cSad ds LkkFk Lkesfdr ugÈ dh x;È] ds fV;j&2 iw¡th esa deh 0-00

56ch ckLky III ykxw güs Lks iwoZ fV;j 2 iw¡th Lks Lkac) jkf’k ij ykxw fofu;ked Lkek;¨tu 26-80

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa mnkgj.kkFkZ fo|eku Lkek;¨tu] ftUgsa 50izfr'kr dh nj Lks fV;j&2 Lks dkVk x;k gS] 0-00

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa] 0-00

58, iw¡th i;kZI~rrk gsrq j[kk x;k fV;j&2 iw¡th 1831-82

58ch fV;j&2 ds :i esa j[kh x;h vU; vfrfjDr fV;j&1 iw¡th 0-00

58Lkh iw¡th i;kZIrrk gsrq LohÑr dqy fV;j&2 iw¡th ¼iafä58,+iafä 58ch½ 1831-82

ftLkdk% Lkek;¨tu ds uke dk mYys[k djsa]

ftLkdk%

60a, ftLkdk% dqy _.k t+¨f[+ke Òkfjr vkfLr;ka 47898-61

60lh ftLkdk% dqy ifjpkfyr t¨f[+ke Òkfjr vkfLr;ka 3319-78

iw¡th vuqikr

61 LkkekU; bZfDoVh fV;j&1 ¼t¨f[ke Òkfjr vkfLr;ä ds Áfr'kr ds :i esa½ 7-27%

62 fV;j&1 ¼t¨f[+ke Òkfjr vkfLr;ä ds Áfr'kr ds :i esa½ 7-62%

63 dqy iw¡th ¼t¨f[+ke Òkfjr vkfLr;ä ds Áfr’kr ds :i esa½ 11-04%

64

LkaLFkk fo"k;d cQ+j vkoÜ;drk ¼U;wure LkhbZVh1 vkoÜ;drk Lkg iw¡th vfÒ:irk ,oa ÁfrpØh; cQ+j vkoÜ;drk,a t¨f[+ke Òkfjr vkfLr;ä ds Áfr'kr ds :i esa½

5-00%

65 ftLkdk% iw¡th vfÒ:irk cQ+j vkoÜ;drk 0

66 ftLkdk% cSad fo"k;d ÁfrpØh; cQ+j vkoÜ;drk 0

67 ftLkdk% th-,LkvkbZch cQ+j vkoÜ;drk 0


Punjab & Sind Bank

53 Reciprocal cross-holdings in Tier 2 instruments 26.80

54outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold)

0.00

55are outside the scope of regulatory consolidation (net of eligible short positions)

0.00

56 0.00

56abeen consolidated with the bank

0.00

56bREGULATORY ADJUSTMENTS APPLIED TO TIER 2 IN RESPECT OF AMOUNTS SUBJECT TO PRE BASEL III TREATMENT

26.80

OF WHICH: existing adjustments which are deducted from Tier 2 at 50% 0.00

OF WHICH: 0.00

57 Total regulatory adjustments to Tier 2 capital 26.80

58 Tier 2 capital (T2) 1831.82

58a Tier 2 capital reckoned for capital adequacy 1831.82

58b Excess Additional Tier 1 capital reckoned as Tier 2 capital 0.00

58c 1831.82

59 Total capital (TC = T1 + T2) (row 45+row 58c) 5914.06

RISK WEIGHTED ASSETS IN RESPECT OF AMOUNTS SUBJECT TO PRE-BASEL III TREATMENT

53591.17

OF WHICH:

OF WHICH: …

60 Total risk weighted assets (row 60a +row 60b +row 60c) 53591.17

60a of which: total credit risk weighted assets 47898.61

60b of which: total market risk weighted assets 2372.78

60c of which: total operational risk weighted assets 3319.78

Capital ratios

61 Common Equity Tier 1 (as a percentage of risk weighted assets) 7.27%

62 Tier 1 (as a percentage of risk weighted assets) 7.62%

63 Total capital (as a percentage of risk weighted assets) 11.04%

64 conservation and countercyclical buffer requirements, expressed as a percentage of risk weighted assets)

5.00%

65 of which: capital conservation buffer requirement 0

66 0

67 of which: G-SIB buffer requirement 0



68cQj dh iwÆr gsrq miyC/k LkkekU; bZfDoVh fV;j&1 ¼t¨f[+ke Òkfjr vkfLr;ä ds Áfr'kr ds :i esa½

2-27%

69

jk"Vªh; LkkekU; bZfDoVh fV;j&1 U;wure vuqikr ¼;fn U;wure ckLky III Lks fÒé g¨½

5-00%

70 jk"Vªh; fV;j&1 U;wure vuqikr ¼;fn U;wure ckLky IIILks fÒé g¨½ 6-50%

71jk"Vªh; Lkdy iw¡th U;wure vuqikr ¼;fn U;wure ckLky III Lks fÒé g¨½ 9-00%

dV©rh gsrq fu/kkZfjr Lkhek Lks de jkf'k ¼t¨f[ke Òkfjr Lks iwoZ½

72vU; foRrh; dEifu;ä dh iw¡th esa xSj egRoiw.kZ fuos'k 0

73

foRrh; dEifu;ä dh LkkekU; iw¡th esa egRoiw.kZ fuos'k 0

74

ca/kd LkÆoÇLkx vf/kdkj ¼vU; foRrh; dEifu;ä dh iw¡th esa xSj egRoiw.kZ fuos'k½ Òkjr esa ykxw ugÈ

75vLFkk;h fÒérk ds dkj.k mRié gqbZ dj vkfLr;ka ¼Lkacaf/kr dj ns;rk dkfuoy½f

76

ekudhÑr –f"Vd¨.k Lks ,DLki¨tj ds LkanÒZ esa fV;j&2 esa Lkesdu gsrq Ák=Áko/kku ¼mPpre Lkhek ykxw güs Lks iwoZ½

352-78

77 ekudhÑr –f"Vd¨.k ds v/khu fV;j&2 esa Áko/kkuä ds Lkesdu dh mPpre Lkhek 669-89

78

vkarfjd jsÇVx –f"Vd¨.k vk/kkj ij ,DLki¨tj ds LkanÒZ esa fV;j 2 esa Lkesdu gsrq Ák= Áko/kku ¼mPpre Lkhek ykxw güs Lks iwoZ½

ykxw ugÈ

79vkarfjd jsÇVx –f"Vd¨.k Lks fV;j 2 esa Áko/kkuä ds Lkesdu gsrq mPpre Lkhek ykxw ugÈ

80 Q+st vkmV dh O;oLFkk ij LkhbZVh1 fy[kr ij djsaV mPpre Lkhek

Òkjr esa ykxw ugÈ81

mPpre Lkhek ds dkj.k LkhbZVh 1 esa 'kkfey u dh x;h jkf’k ¼iqu% ÁkfIr ,oa ifjiDork ds ckn mPpre Lkhek Lks vfrfjDr½

82 Q+st vkmV dh O;oLFkk ij ,Vh1 fy[kr ij djsaV mPpre Lkhek

83mPpre Lkhek ds dkj.k ,Vh 1 esa 'kkfey u dh x;h jkf'k ¼iqu% ÁkfIr ,oa ifjiDork ds ckn mPpre Lkhek Lks vfrfjDr½

84 Q+st vkmV dh O;oLFkk ij Vh2 fy[kr ij djsaV mPpre Lkhek

85mPpre Lkhek ds dkj.k Vh 2 esa 'kkfey u dh x;h jkf'k ¼iqu% ÁkfIr ,oa ifjiDork ds ckn mPpre Lkhek Lks vfrfjDr½

rkfydk Mh-,Q-12 -iwath dk Lka;¨tu-Lkek/kku vis{kk,

a

ykxw ugÈ gS D;äfd forh; fooj.k esa fn;k x;k cSad dk rqyu i= v©j fofu;ked nk;js ds varxZr vkus okyk rqyui= ,d Lks gSaA


Punjab & Sind Bank

68Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)

2.27%

National minima (if different from Basel III)

69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 5.00%

70 National Tier 1 minimum ratio (if different from Basel III minimum) 6.50%

71 National total capital minimum ratio (if different from Basel III minimum) 9.00%

Amounts below the thresholds for deduction (before risk weighting)

72 0

73 0

74 Mortgage servicing rights (net of related tax liability) Not applicable

in India75 Deferred tax assets arising from temporary differences (net of related tax liability)

Applicable caps on the inclusion of provisions in Tier 2

76Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)

352.78

77 Cap on inclusion of provisions in Tier 2 under standardised approach 669.89

78Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)

N.A.

79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach N.A.

Capital instruments subject to phase-out arrangements (only applicable between April 1, 2018 and March 31, 2022)

80 Current cap on CET1 instruments subject to phase out arrangements

Not

applicable

in India

81Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)

82 Current cap on AT1 instruments subject to phase out arrangements

83Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)

84 Current cap on T2 instruments subject to phase out arrangements

85Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)

Table DF 12 –Composition of Capital- Reconciliation Requirements-

Not applicable as the Bank’s Balance sheet as in Financial Statement is same as Balance sheet under regulatory scope of consolidation

Table DF 13 – Main features of Regulatory Capital Instruments



fV;j-I iwath

ØeLka[;k

fofu;ked iwath Áys[kä dh eq[; fo'ks"krkvksa ds fy, ÁdVhdj.k VsEiysV ¼fMLkDy¨t+j VsEiysV½

ih-,u-Lkh-ih-,Lk

¼Lkrr vLkap;h vf/keku 'ks;j½=200dj¨M+ :i,

vkbZ-ih-Mh-vkbZ/ih-Mh-vkbZ=160 dj¨M+ :i,

1- tkjhdrkZ iatkc ,.M ÇLk/k cSad iatkc ,.M ÇLk/k cSad

2- ;wfud igpkudrk ¼vFkkZr~ Lkh-;w-,Lk-vkbZ-ih-, vkbZ-,Lk-vkbZ-,u- vFkok ÁkbZosV IysLkesaV ds fy, CywecxZ igpkudrk½

vkbZ-,u-bZ-608,04024 vkbZ-,u-bZ-608 , 09106

3- fy[kr ds 'kkLkh fo/kku cSaÇdx daiuh ¼vf/kxzg.k ,oa miØeä dk varj.k½ vf/kfu;e] 1980

cSaÇdx daiuh ¼vf/kxzg.k ,oa miØeä dk varj.k½ vf/kfu;e] 1980

fofu;ked O;ogkj

4- Vªkaft'kuy ksLky-III fu;e ,-Vh-1 ,-Vh-1

5- i¨LV Vªkaft'kuy ckLky-III fu;e ,-Vh-1 ,-Vh-1

6- ,dy@Lkewg@Lkewg rFkk ,dy Lrj ij ik= ,dy ,dy

7- fy[kr Lo:i Lkrr~ vLkap;h vf/keku 'ks;j Lkrr~ _.k fy[kr

8- fofu;ked iwath ds varxZr ekU; jkf'k-djksM+ksa :i;ä esa ¼fcydqy vÒh dh fji¨ÉVx frfFk ij½

vkbZ-,+u-vkj-160 dj¨M+ vkbZ-,u-vkj-128 dj¨M+

9- fy[kr dk LkeewY; 10 :i, 10,00,000 :i,

10- ys[kkadu ds vuqLkkj oxÊdj.k 'ks;j /kkjdä dh bfDoVh ns;rk (_.k)11- t+kjh djus dh ewy frfFk 22-12-2008 22-12-2008

12- Lkrr~ vFkok fnukafdr Lkrr~ Lkrr~

13- ewy ifjiDork frfFk ifjiDork dh d¨bZ frfFk ugÈ ifjiDork dh d¨bZ frfFk ugÈ

14- t+kjh drkZ dh dk¡y, iwoZ i;Zos{kh; vuqe¨nu dh 'krZ ijA

th ugÈ th ugÈ

15- vkWI'kuy dky dh frfFk] vkdfLed dy frfFk ,oa e¨pu jkf'k

ykxw ugÈ ykxw ugÈ

16- vkxkeh dky dh frfFk;k¡] ¼;fn ykxw g¨½ ykxw ugÈ ykxw ugÈ

dwiu@ykÒka'k

17- fu/kkZfjr vFkok ifjorZuh; ykÒka'k@dwiu ifjorZuh;¼¶y¨ÇVxa½ ifjorZuh;¼¶y¨ÇVxa½

18- dwiu nj ,oa vU; Lkacaf/kr Lkwpdkad fji¨ jsV + 100chih,Lk 10 o"kZ th-LkSd + 250 chih,Lk

19- ykÒka'k j¨/kd dh O;kfIr th gk¡ th ugÈ

20- iw.kZr% foosdkuqLkkj] vkaf'kd foosdkuqLkkj vFkok vfuok;Z

iw.kZr% foosdkuqLkkj vfuok;Z

21- LVsi&vi dh O;kfIr vFkok e¨pu gsrq vU; Á¨RLkkgu

th ugÈ th ugÈ

22- vLkap;h vFkok Lkap;h vLkap;h vLkap;h

23- ifjorZuh; vFkok vifjorZuh; vifjorZuh; vifjorZuh;

24- ;fn ifjorZuh; gS r¨ ifjorZu gsrq fVªxj¼,Lk½ ykxw ugÈ ykxw ugÈ

25- ;fn ifjorZuh; gS r¨ iw.kZr% vFkok vkaf'kd ykxw ugÈ ykxw ugÈ

26- ;fn ifjorZuh; gS r¨ ifjorZu nj ykxw ugÈ ykxw ugÈ

27- ;fn ifjorZuh; gS r¨ ifjorZu vfuok;Z gS vFkok oSdfYid

ykxw ugÈ ykxw ugÈ

28- ;fn ifjorZuh; gS r¨ fdLk fy[kr esa ifjorZuh; gS mLkdk Ádkj fofuÆn"V djsa

ykxw ugÈ ykxw ugÈ


Punjab & Sind Bank

Tier I Capital

Sr. No

Disclosure template for main features of regulatory capital instruments

PNCPS(perpetual non-cumulative preference shares)= 200 crore

IPDI/ PDI=160 crore

1 Issuer Punjab & Sind Bank Punjab & Sind Bank

2placement)

INE608A04024 INE608A09106

3 Governing law(s) of the instrumentBanking companies( acquisition and transfer of undertakings ) act 1980

Banking companies( acquisition and transfer of undertakings ) act 1980

Regulatory treatment

4 Transitional Basel III rules AT-1 AT-1

5 Post-transitional Basel III rules AT-1 AT-1

6 Eligible at solo/group/ group & solo Solo Solo

7 Instrument typePerpetual Non-cumulative Preference shares.

Perpetual Debt Instruments

8Amount recognised in regulatory capital (Rs. in million, as of most recent reporting date)

INR 160 Crores INR 128 Crores

9 Par value of instrument Rs 10 Rs 1000000

10 Shareholders’ Equity Liability (Borrowing)

11 Original date of issuance 22.12.2008 22.12.2008

12 Perpetual or dated Perpetual Perpetual

13 Original maturity date No Maturity No Maturity

14Issuer call subject to prior supervisory approval

No No

15Optional call date, contingent call dates and redemption amount

NA NA

16 Subsequent call dates, if applicable NA NA

Coupons / dividends

17

18 Coupon rate and any related index

19 Existence of a dividend stopper YES No

20Fully discretionary, partially discretionary or mandatory

Fully Discretionary Mandatory

21Existence of step up or other incentive to redeem

No No

22 Noncumulative or cumulative Noncumulative Noncumulative

23 Convertible or non-convertible Nonconvertible Nonconvertible

24 If convertible, conversion trigger(s) NA NA

25 If convertible, fully or partially NA NA

26 If convertible, conversion rate NA NA

27If convertible, mandatory or optional conversion

NA NA

28If convertible, specify instrument type convertible into

NA NA

29If convertible, specify issuer of instrument it converts into

NA NA



29- ;fn ifjorZuh; gS r¨ ifjorZu fd, tkus okys fy[kr ds t+kjhdrkZ d¨ fofuÆn"V djsaA

ykxw ugÈ ykxw ugÈ

30- voys[ku ds y{.k th ugÈ th ugÈ

31- voys[ku dh n'kk esa voys[ku ds fVªxj ykxw ugÈ ykxw ugÈ

32- voys[ku dh n'kk esa iw.kZr: vFkok vkaf'kd ykxw ugÈ ykxw ugÈ

33- voys[ku dh n'kk esa LFkk;h gSa vFkok vLFkk;h ykxw ugÈ ykxw ugÈ34- ;fn vLFkk;h voys[ku gSa r¨ vkys[ku ra= dk fooj.k ykxw ugÈ ykxw ugÈ35- ifjLkekiu dh n'kk esa izfrLFkkiu inØe dh fLFkfr

(fy[kr dk Ádkj (bLk fy[kr ds ,dne vkxs ds fy[kr ds Ádkj d¨ fofuÆn"V djsaA½

i) tekdrkZ rFkk LkkekU; ysunkj

ii) LkÒh rjg ds fV;j-2dh fu;ked iwath -x©.k _.k rFkk ih-Lkh-ih-,Lk-

iii) ih-Mh-vkbZ

i) tekdrkZ rFkk LkkekU; ysunkj

ii) Lkc¨ÆMusVsM _.k/ ih-Lkh-ih-,Lk-

36- LkaØe.kdkyhu vuuqikyu th gka th gka37- ;fn gka r¨ vuuqikyu dk Lo:i fofgr djsaA vO;ogk;Zrk dh Lkhek vO;ogk;Zrk dh Lkhek


Punjab & Sind Bank

30 Write-down feature NO NO

31 If write-down, write-down trigger(s) NA NA

32 If write-down, full or partial NA NA

33 If write-down, permanent or temporary NA NA

34If temporary write-down, description of write-up mechanism

NA NA

35Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)

i) Depositors & general creditors ii) All tier 2 regulatory capital -Subordinated debt & PCPS iii) PDI

i) Depositors & general creditors ii) Subordinated Debt / PCPS

36 Non-compliant transitioned features YES YES

37 If yes, specify non-compliant features Point of non-viability. Point of non-viability.



fV;j-

2 i

wath

fV;j-

2 ck.M

Lk (LkckMÊusV _

.k fy[kr)

Øe

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wath Áy

s[kä

dh eq[

; fo'

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ih-,

Lk(Lkrr~

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=200

dj¨M+

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II=4

0dj¨M+

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150d

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=100

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I=17

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300d

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Sadiat

kc ,

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ds fy,

Cywec

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vkbZ-,

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vkbZ-,

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8,09

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vkbZ-,

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vkbZ-,

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3-fy

[kr d

s 'kkL

kh fo/kku

cSaÇdx daifu;ä

(vf/

kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/

kfu;e

1980

ÁfrÒwfr Lkafo

nk

fofu;eu

vf/

kfu;e

1956

,daiu

h

vf/

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1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/

kfu;e

1980

fMikWft

Vjht

(tek d

rkZ)

vf/ku;e

1996

,Òkjr Lkjdkj

,Òkjrh; fjt

+oZ cSad

]Lksch,

Lkacaf/kr

LVkWd

,DL

kpsat

,daiafu;ä ds fy,

(dsUæ

h; Lkjdkj

)ds Lkke

kU;

fu;e

,oa

Ák:i,

1956

)ds v

uqca/k-x

,oa/ v

Fkok

vuqca/k&

?k e

sa ;Fkk mfYyf[kr

mic

a/k

ÁfrÒwfr Lkafo

nk

fofu;eu

vf/

kfu;e

1956

,daiu

h

vf/

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1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/kfu

;e

1980

fMikWft

Vjht

(tek d

rkZ)

vf/ku;e

1996

,Òkjr Lkjdkj

,Òkjrh; fjt

+oZ cSad

]Lksch,

Lkacaf/kr

LVkWd

,DL

kpsat

,daiafu;ä ds fy,

(dsUæ

h; Lkjdkj

)ds Lkke

kU;

fu;e

,oa Á

k:i,

1956

)ds v

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k-x

,oa / v

Fkok

vuqca/k&

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sa ;Fkk

mfYyf[kr m

ica/k

ÁfrÒwfr

Lkafonk

fÁfrÒwfr

Lkafonk

fofu;eu

vf/kfu

;e

1956

,daiu

hvf/kfu

;e

1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/kfu

;e

1980

fMikWft

Vjht

(tek d

rkZ )

vf/ku;e

1996

,Òkjr Lkjdkj

,Òkjrh; fjt

+oZ cSad

]Lksch,

Lkacaf/kr

LVkWd

,DL

kpsat

,daiafu;ä ds fy,

(dsUæ

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)ds Lkke

kU; fu;e

,oa Á

k:i,

1956

)ds v

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sa ;Fkk

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ÁfrÒwfr Lkafo

nk

fofu;eu

vf/kfu

;e

1956

,daiu

h

vf/

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1956

,cSaÇdx d

aifu;ä

(vf/

kxzg.

k ,o

a miØ

eä

dk varj.k)

vf/kfu

;e

1980

fMikWft

Vjht

(tek

drkZ)

vf/

ku;e

1996

,Òkjr

Lkjd

kj, Ò

kjrh;

fjt+oZ

cSad]Lksch,

Lkacaf/

kr LVkWd

,DL

kpsat

,daiafu;ä ds fy,

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h; Lkjdkj

)ds Lkke

kU; fu;e

,oa Á

k:i,

1956

)ds v

uqca/k-x

,o

a /vFkok

vuqca/k&

?k e

sa ;Fkk mfYyf[kr m

ica/k

ÁfrÒwfr Lkafo

nk

fofu;eu

vf/kfu

;e

1956

,daiu

h

vf/

kfu;e

1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/kfu

;e

1980

fMikWft

Vjht

(tek

drkZ)

vf/

ku;e

1996

,Òkjr

Lkjd

kj, Ò

kjrh;

fjt+oZ

cSad]Lksch,

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kr LVkWd

,DL

kpsat

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(dsUæ

h; Lkjdkj

)ds Lkke

kU; fu;e

,oa Á

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1956

)ds v

uqca/k-x

,o

a /vFkok vuqca/k&

?k

esa ;Fkk mfYyf[kr

mic

a/k

ÁfrÒwfr Lkafo

nk

fofu;eu

vf/kfu

;e

1956

,daiu

h

vf/kfu

;e

1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/kfu

;e

1980

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Vjht

(tek d

rkZ)

vf/

ku;e

1996

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,Òkjrh; fjt

+oZ cSad

]Lksch

,

Lkacaf/kr

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kpsat

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h; Lkjdkj

)ds Lkke

kU; fu;e

,oa Á

k:i,

1956

)ds v

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,o

a /vFkok

vuqca/k&

?k

esa ;Fkk mfYyf[kr

mic

a/k

ÁfrÒwfr Lkafo

nk

fofu;eu

vf/kfu

;e

1956

,daiu

h vf/

kfu;e

1956

,cSaÇdx d

aifu;ä

(vf/kxzg.

k ,o

a miØ

eä d

k varj.k)

vf/kfu

;e

1980

fMikWft

Vjht

(tek d

rkZ)

vf/

ku;e

1996

,Òkjr

Lkjd

kj, Ò

kjrh;

fjt+oZ

cSad]Lksch,

Lkacaf/kr LVkWd

,D

Lkpsat

,daiafu;ä

ds fy,

(dsUæ

h;Lkjd

kj) ds Lkke

kU;

fu;e

,oa Á

k:i,

1956

)ds v

uqca/

k-x

,oa / v

Fkok

vuqca/k&

?k e

sa ;Fkk

mfYyf[kr m

ica/k


Punjab & Sind Bank

Tier

II

Cap

ital

Tier

II

Bon

ds (

Subo

rdin

ated

Deb

t In

stru

men

ts)

Sr.

No

Dis

clos

ure

tem

plat

e fo

r m

ain

feat

ures

of

regu

lato

ry c

apita

l in

stru

men

ts

PCPS

( Pe

rpet

ual

cum

ulat

ive

Pref

eren

ce

Shar

es)=

200

cr

ore

SER

IES-

VII=

40

cro

re

Seri

es-

VIII

=

150

cror

e Se

ries

- IX

= 1

00

cror

e Se

ries

- X

=40

0 cr

ore

Seri

es-

XI

=

175

cror

e Se

ries

- X

II =

200

cror

e SE

RIE

S- X

III

=30

0 cr

ore

1Is

suer

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

Punj

ab &

Sin

d B

ank

2

(e.g

. C

USI

P, I

SIN

or

Blo

ombe

rg

for

priv

ate

plac

emen

t)

INE6

08A

0401

6IN

E608

A09

064

INE6

08A

0907

2IN

E608

A09

080

INE6

08A

0909

8IN

E608

A09

114

INE6

08A

0912

2IN

E608

A09

130

3G

over

ning

law

(s)

of t

he i

nstr

umen

t

Ban

king

co

mpa

nies

( ac

quis

ition

an

d tr

ansf

er o

f un

dert

akin

gs )

ac

t 19

80

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

A

ct 1

996,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

Exch

ange

s.

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and

/or

anne

xure

D t

o th

e co

mpa

nies

(C

entr

al

Gov

ernm

ent’s

) G

ener

al r

ules

an

d fo

rms

1956

.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

70,

Dep

osito

ries

Act

19

96,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

Exch

ange

s.

Prov

isio

ns

cont

aine

d in

ann

exur

e C

and

/or

anne

xure

D t

o th

e co

mpa

nies

(C

entr

al

Gov

ernm

ent’s

) G

ener

al r

ules

an

d fo

rms

1956

.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

A

ct 1

996,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

Exch

ange

s.

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and

/or

anne

xure

D t

o th

e co

mpa

nies

(C

entr

al

Gov

ernm

ent’s

) G

ener

al r

ules

an

d fo

rms

1956

.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

Act

19

96,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

Exch

ange

s.

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and

/or

anne

xure

D t

o th

e co

mpa

nies

(C

entr

al

Gov

ernm

ent’s

) G

ener

al r

ules

an

d fo

rms

1956

.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

A

ct 1

996,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

E xc

hang

es.

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and

/or

anne

xure

D t

o th

e co

mpa

nies

(C

entr

al

Gov

ernm

ent’s

) G

ener

al r

ules

an

d fo

rms

1956

.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

A

ct 1

996,

G

OI,

RB

I, SE

BI,

Con

cern

ed

Stoc

k Ex

chan

ges.

.p

rovi

sion

s co

ntai

ned

in a

nnex

ure

C a

nd/o

r an

nexu

re D

to

the

com

pani

es

(Cen

tral

G

over

nmen

t’s)

Gen

eral

rul

es

and

form

s 19

56.

Secu

ritie

s C

ontr

act

Reg

ulat

ion

Act

195

6,

Com

pani

es A

ct

1956

, B

anki

ng

com

pani

es

(acq

uisi

tion

and

tran

sfer

of

unde

rtak

ings

) ac

t 19

80,

Dep

osito

ries

Act

19

96,

GO

I, R

BI,

SEB

I, C

once

rned

St

ock

Exch

ange

s.

Prov

isio

ns

cont

aine

d in

an

nexu

re C

and

/or

ann

exur

e D

to

the

com

pani

es

(Cen

tral

G

over

nmen

t’s)

Gen

eral

rul

es

and

form

s 19

56.



4-Vªkaft

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ckLky

-III

fu;e

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ik=

,dy

,dy

,dy

,dy

,dy

,dy

,dy

,dy

7-fy

[kr Lo:

iLFkk;

h Lkap;h vf/keku

‘ks;j

fV;j

II

_.k

fy[kr

fV;j

II

_.k

fy[kr

fV;j

II

_.k

fy[kr

fV;j

II _

.k fy[kr

fV;j

II _

.k fy[kr

fV;j

II

_.k

fy[kr

fV;j

II

_.k

fy[kr

8-fofu;ked

iwath

ds

varxZr

ekU;

jkf'k-

(dj¨M+ :

i;¨a esa

)

#i,

-160

dj¨M+

#i,

-0 d

j¨M+

#i,

-60

dj¨M+

#i,

-72

dj¨M+

#i,

-320

dj¨M+

#i,

-140

dj¨M+

#i,

-160

dj¨M+

#i,

-240

dj¨M+

9-fy

[kr d

k Lkee

wY;10

:i,

1000

00 :

i,10

0000

0 :i,

1000

000

:i,

:i,

1000

000

:i,

1000

000

:i,

1000

000

:i,

1000

000

10-

ys[kkad

u

ds

vuqLkkj

oxÊd

j.k

ns;rk(_

.k)

ns;rk(_

.k)

ns;rk(_

.k)

ns;rk(_

-k)ns;rk(_

.k)

ns;rk(_

.k)

ns;rk(_

.k)

ns;rk(_

.k)

11-

t+kjh dju

s dh ewy

frfFk

22-1

2-20

0830

-03-

2005

31-0

7-20

0615

-02-

2008

22-0

9-20

0826

-06-

2009

11-0

1-20

1024

-06-

2011

12-

Lkrr~ v

Fkok fnukafd

rLkrr~

fnukafd

rfnukafd

rfnukafd

rfnukafd

rfnukafd

rfnukafd

rfnukafd

r

13-

ewy i

fjiD

dor

k frfFk

ifji

Dork

dh

d¨bZ

frfFk ugÈ

30-0

4-20

1430

-04-

2016

15-0

5-20

1822

-04-

2019

26-0

4-20

1911

-04-

2020

24-1

0-20

21

14-

t+kjh drkZ dh dk¡y

, iwoZ

i;Zos{

kh;

vuqe¨nu

dh

'krZ i

jA

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th gka

15-

vkWI'

kuy d

ky d

h frfFk,

vkd

fLed

dy frfFk ,o

a e¨pu jkf'

k

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ24

-06-

2017

, Lke

ewY; i

j e¨pu

16-

vkxkeh

dky

dh

frfFk;k¡,

(;fn y

kxw g

¨)ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

17-

fu/kkZfj

r

vFkok

ifjo

rZuh; y

kÒka'k

/dwiu

ifjo

rZuh;

(¶y¨ÇV

x)

fu/kkZfj

rfu/kkZfj

rfu/kkZfj

rfu/kkZfj

rfu/kkZfj

rfu/kkZfj

rfu/kkZfj

r

18-

dwiu

nj

,oa v

U; L

kacaf/

kr Lkwpdkad

10 o"kZ

th-L

kSd+

250

chih,L

k7-40

%9-25

%9-10

%11

-05%

8-70

%8-70

%9-73

%

19-

ykÒka'k j¨/kd d

h O;kfIr

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

20-

iw.kZr

: foosd

kuqLkkj

,vkaf'

kd

foosd

kuqLkkj

vFkok v

fuok;Z

vfuok;Z

vfuok;Z

vfuok;Z

vfuok;Z

vfuok;Z

vfuok;Z

vfuok;Z

vfuok;Z


Punjab & Sind Bank

Reg

ulat

ory

trea

tmen

t4

Tran

sitio

nal

Bas

el

III r

ules

Tier

2Ti

er I

ITi

er I

ITi

er I

ITi

er I

ITi

er I

ITi

er I

ITi

er I

I

5Po

st-tr

ansi

tiona

l B

asel

III

rule

sTi

er 2

Tier

II

Tier

II

Tier

II

Tier

II

Tier

II

Tier

II

Tier

II

6El

igib

le a

t so

lo/

grou

p/ g

roup

&

solo

Solo

Solo

Solo

Solo

Solo

Solo

Solo

Solo

7In

stru

men

t ty

pe

Perp

etua

l C

umul

ativ

e Pr

efer

ence

Sh

ares

.

Tier

II

debt

in

stru

men

tsTi

er I

I de

bt

inst

rum

ents

Tier

II

debt

in

stru

men

tsTi

er I

I de

bt

inst

rum

ents

Tier

II

debt

in

stru

men

tsTi

er I

I de

bt

inst

rum

ents

Tier

II

debt

in

stru

men

ts

8

Am

ount

re

cogn

ised

in

regu

lato

ry c

apita

l (R

s. i

n C

rore

s

Rs

160

Cro

res

Rs

0 C

rore

sR

s 60

Cro

res

Rs

72 C

rore

sR

s 32

0 C

rore

sR

s 14

0 C

rore

sR

s 16

0 C

rore

sR

s 24

0 C

rore

s

9Pa

r va

lue

of

inst

rum

ent

Rs

10R

s. 1

0000

0R

s. 1

0000

00R

s. 1

0000

00R

s. 1

0000

00R

s. 1

0000

00R

s. 1

0000

00R

s. 1

0000

00

10A

ccou

ntin

g Li

abili

ty

(Bor

row

ing)

Liab

ility

(B

orro

win

g)Li

abili

ty

(Bor

row

ing)

Liab

ility

(B

orro

win

g)Li

abili

ty

(Bor

row

ing)

Liab

ility

(B

orro

win

g)Li

abili

ty

(Bor

row

ing)

Liab

ility

(B

orro

win

g)

11O

rigi

nal

date

of

issu

ance

22.1

2.20

0830

.03.

2005

31.0

7.20

0615

.02.

2008

22.0

9.20

0826

.06.

2009

11.0

1.20

1024

.06.

2011

12Pe

rpet

ual

or

date

dPe

rpet

ual

Dat

edD

ated

Dat

edD

ated

Dat

edD

ated

Dat

ed

13O

rigi

nal

mat

urity

da

teN

o M

atur

ity30

.04.

2014

30.0

4.20

1615

.05.

2018

22.0

4.20

1926

.04.

2019

11.0

4.20

2024

.10.

2021

14

Issu

er c

all

subj

ect

to p

rior

su

perv

isor

y ap

prov

al

NO

NO

No

No

No

No

No

Yes

15

Opt

iona

l ca

ll da

te,

cont

inge

nt

call

date

s an

d re

dem

ptio

n am

ount

NA

NA

NA

NA

NA

NA

NA

24.0

6.20

17

rede

mpt

ion

at

par

16

Subs

eque

nt

call

date

s, i

f ap

plic

able

NA

NA

NA

NA

NA

NA

NA

NA

Cou

pons

/

divi

dend

s

17di

vide

nd/c

oupo

nFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

18C

oupo

n ra

te a

nd

any

rela

ted

inde

x10

yea

r G

-sec

7.

40%

9.25

%9.

10%

11.0

5%8.

70%

8.70

%9.

73%

19Ex

iste

nce

of a

di

vide

nd s

topp

erN

oN

oN

oN

oN

oN

oN

oN

o

20

Fully

di

scre

tiona

ry,

part

ially

di

scre

tiona

ry o

r m

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory



21-

LVsi-

vi

dh

O;kfIr

vFkok e¨pu gsr

q vU;

Á¨RLkkg

u

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

22-

vLkap;h vFkok Lkap

;h

Lkap

;h

xSj Lkap;h

xSj Lkap;h

xSj Lkap;h

xSj Lkap;h

xSj Lkap;h

xSj Lkap;h

xSj Lkap;h

23-

ifjo

rZuh;

vFkok

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

vifjo

rZuh;

24-

;fn ifjo

rZuh; gS

r¨

ifjo

rZu g

srq fVªxj(,L

k)ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

25-

;fn ifjo

rZuh; gS

r¨

iw.kZr

: vFkok v

kaf'kd

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

26-

;fn ifjo

rZuh; gS

r¨

ifjo

rZu n

j ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

27-

;fn ifjo

rZuh; gS

r¨

ifjo

rZu

vfuok;Z

gS vFkok o

SdfYid

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

28-

;fn

ifjo

rZuh;

gS r¨

fdLk

fy[kr

esa ifjo

rZuh; gS

mLkdk

Ádkj fofuÆn"V d

jsa

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

29-

;fn ifjo

rZuh; gS

r¨

ifjo

rZu fd,

tkus o

kys

fy[kr ds t+kjhd

rkZ d¨

fofuÆn"V d

jsaA

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

30-

voy

s[ku d

s y{k.k

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

th ugÈ

31-

voy

s[ku

dh

n'kk

esa voy

s[ku d

s fVªxj

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

32-

voy

s[ku

dh

n'kk

esa iw.

kZr: v

Fkok v

kaf'kd

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

33-

voy

s[ku

dh

n'kk

esa LFkk;

h gSa

vFkok v

LFkk;

hykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ

34-

;fn vLFkk;

h voy

s[ku

gSa r¨ vky

s[ku ra= dk

fooj

.k

ykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈykxw u

gÈ


Punjab & Sind Bank

21

Exis

tenc

e of

st

ep u

p or

oth

er

ince

ntiv

e to

re

deem

No

No

No

No

No

No

No

No

22N

oncu

mul

ativ

e or

cum

ulat

ive

Cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

Non

cum

ulat

ive

23C

onve

rtib

le o

r no

n-co

nver

tible

Non

conv

ertib

leN

onco

nver

tible

Non

conv

ertib

leN

onco

nver

tible

Non

conv

ertib

leN

onco

nver

tible

Non

conv

ertib

leN

onco

nver

tible

24

If co

nver

tible

, co

nver

sion

tr

igge

r(s)

NA

NA

NA

NA

NA

NA

NA

NA

25If

conv

ertib

le,

fully

or

part

ially

NA

NA

NA

NA

NA

NA

NA

NA

26If

conv

ertib

le,

conv

ersi

on r

ate

NA

NA

NA

NA

NA

NA

NA

NA

27

If co

nver

tible

, m

anda

tory

or

opt

iona

l co

nver

sion

NA

NA

NA

NA

NA

NA

NA

NA

28

If co

nver

tible

, sp

ecify

in

stru

men

t ty

pe

conv

ertib

le i

nto

NA

NA

NA

NA

NA

NA

NA

NA

29

If co

nver

tible

, sp

ecify

iss

uer

of i

nstr

umen

t it

conv

erts

int

o

NA

NA

NA

NA

NA

NA

NA

NA

30W

rite

-dow

n fe

atur

eN

ON

ON

ON

ON

ON

ON

ON

O

31

If w

rite

-dow

n,

wri

te-d

own

trig

ger(

s)N

AN

AN

AN

AN

AN

AN

AN

A

32If

wri

te-d

own,

fu

ll or

par

tial

NA

NA

NA

NA

NA

NA

NA

NA

33

If w

rite

-dow

n,

perm

anen

t or

te

mpo

rary

NA

NA

NA

NA

NA

NA

NA

NA

34

If te

mpo

rary

w

rite

-dow

n,

desc

ript

ion

of w

rite

-up

mec

hani

sm

NA

NA

NA

NA

NA

NA

NA

NA



35-

ifjLkekiu dh

n'kk

esa ÁfrLFkki

u

inØe

dh

fLFkfr

(fy[kr d

k Ád

kj

(bLk fy

[kr ds ,d

ne

vkxs d

s fy[kr d

s Ádkj

d¨ fofuÆn"V d

jsaA½

tekdrkZ rFkk

LkkekU;

ysunkj

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

vLkqjf{kr

ns;rk

(tekdrkZ

rFkk

LkkekU;

ysunkj

)

36-

LkaØ

e.kd

ky

hu

vuuqikyu Lo:

i

th gk¡

th gk¡

th gk¡

th gk¡

th gk¡

th gk¡

th gk¡

th gk¡

37-

;fn gk¡ r¨

vuuqikyu

dk Lo

:i

fofgr d

jsaAvO;og

k;Zrk dh Lkhek

vO;og

k;Zrk

dh

Lkhek

rFkk

mä

mfYyf[kr

ck.M

dh

ifji

Dork

10 o

”käZ Lks d

e

vO;og

k;Zrk

dh

Lkhek

rFkk

mä

mfYyf[kr

ck.M

dh ifji

Dork

10o"käZ

Lks d

e

vO;og

k;Zrk

dh

Lkhek

vO;og

k;Zrk dh Lkhek

vO;og

k;Zrk dh Lkhek

rFkk

mä mfYyf[kr

ck.M

dh

ifji

Dork

10 o

"käZ Lks de

vO;og

k;Zrk

dh

Lkhek

vO;og

k;Zrk

dh

Lkhek


Punjab & Sind Bank

35

Posi

tion

in

subo

rdin

atio

n hi

erar

chy

in

liqui

datio

n (s

peci

fy

inst

rum

ent

type

im

med

iate

ly

seni

or t

o in

stru

men

t)

i) D

epos

itors

&

gen

eral

cr

edito

rs

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

UN

SEC

UR

ED

LIA

BIL

ITIE

S (d

epos

itors

&

gen

eral

cr

edito

rs))

36

Non

-com

plia

nt

tran

sitio

ned

feat

ures

YES

YES

YES

YES

YES

YES

YES

YES

37

If ye

s, s

peci

fy

non-

com

plia

nt

feat

ures

Poin

t of

non

-vi

abili

ty.

Poin

t of

non

-vi

abili

ty a

nd

mat

urity

of

the

abov

e m

entio

ned

bond

is

less

th

an 1

0 ye

ars.

Poin

t of

non

-vi

abili

ty a

nd

mat

urity

of

the

abov

e m

entio

ned

bond

is

les

s th

an 1

0 ye

ars.

Po

int

of n

on-

viab

ility

.Po

int

of n

on-

viab

ility

.

Poin

t of

no

n-vi

abili

ty

and

mat

urity

of

the

abo

ve

men

tione

d bo

nd i

s le

ss

than

10

year

s.

Poin

t of

non

-vi

abili

ty.

Poin

t of

non

-vi

abili

ty.



iatkc ,.M ÇLk/k cSad dqy 40 dj¨M+ :i;ä ds vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –VII½ ds va'knku gsrq is'kd'k vkeaf=r djrk

gS t¨ fd ÁR;sd 1]00000 :i;ä ds udn LkeewY; ij opu i= ds :i esa gSA

;s ck.M cSaÇdx daiuh (vf/kxzg.k ,oa miØeä dk varj.k) vf/kfu;e, 1970 , daiuh vf/kfu;e, 1956 , ÁfrÒwfr Lkafonk fu;eu vf/kfu;e, 1956 ds

mica/kä] bLk Lkwpuk Kkiu dh 'kräZ] vkosnu i= esa mfYyf[kr vuqns'kä rFkk U;kLkh Lke>kSrk rFkk ck.M VªLV MhM esa 'kkfey fd, tkus okys vU; fu;eä

,oa 'kräZ ds v/;k/khu gSA ,sLks fu;e ,oa 'kŸkäZ ds vfrfjä] ;s ck.M fMikWftVjh vf/kfu;e] 1996 ds vuqÁ;¨T; mica/kä rFkk ;Fkk vuqÁ;¨T; fo/kkuä,fn'kk&funsZ'kks] vf/kLkwpukvksa ,oa vkcaVu rFkk iwath tkjh djus rFkk Òkjr Lkjdkj] Òkjrh; fjt+oZ cSad] Òkjrh; ÁfrÒwfr ,oa fofu;e c¨MZ ¼Lksch½] Lkacaf/

kr LVkWd ,DLkpsat vFkok vU; Ákf/kdj.kä }kjk Lke;&Lke; ij t+kjh ÁfrÒwfr;ä d¨ Lkwphc) djus Lks Lkacaf/kr fofu;eä ,oa ck.M ds Lkaca/k esa rS;kj

fd, tkus okys vU; nLrkotä ds Òh v/;k/khu gäxsA

;s ck.M vlqjf{kr vifjorZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –VII½ ds :i esa rFkk opui=ä ds :i esa fuxZr fd, tkus gSaA bu ckaMä esa cSad ds ÁR;{k]

vlqjf{kr ,oa x©.k nkf;Ro 'kkfey gäxs t¨ cSad ds orZeku@Òfo"; esa tkjh güs okys x©.k _.kä ds Lked{k gäxs rFkk cSad ds vU; LkÒh _.k /kkjdä ,oa

tekdŸkkZvksa d¨ fd, tkus okys ewy/ku rFkk C;kt ds iqu% Òqxrku ds nkoä ds ckn ns; gäxsA ;s ck.M fdLkh Áfrca/kkRed /kkjkvksa Lks eqä gäxs rFkk ;s /kkjd

ds Á;kLk ek= rFkk fcuk Òkjrh; fjt+oZ cSad dh vuqefr ds Áfrns; ugÈ gäxsA

bÜ;w dk vkdkj 40-00 dj¨M+ :i,

bÜ;w dk mÌsÜ;cSad dh iwath i;kZIrrk d¨ Lkq–<+ djus ,oa nh?kZdkyhu LkaLkk/kuä d¨ c<+kus gsrq fV;j-II iwath esa vfÒo`f) djuk A

fy[kr opu i= ds :i esa vlqjf{kr] vifjorZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –VII½

fy[kr dk :i MhesV QkeZ es

ØsfMV jsÇVx “,y-,-” jsÇVx - bØk ¼vkbZ- Lkh- vkj-,-½] }kjk

vafdr ewY; 1,00,000@Áfr ck.M

fuxZe ewY; Lke ewY; ij ¼vFkkZr~ 1]00]000@Áfr ck.M½

U;wure vkosnu 10 ck.M v©j mLkds ckn 10 ck.M ds xq.kdä esa

dk;Zdky 109 eghus

iqV ,oa dky fodYi d¨bZ ugÈ

Áfrns;rk@

ifjiDorkLke ewY; ij & vkcaVu dh ekuh xbZ frfFk Lks 109 eghuä ds var esa

dwiu nj ¼Áfr o"kZ½ 7-40%

C;kt ns;rk okÆ"kd & 15 ebZ d¨

fyÇLVx ÁLrkfor&us’kuy LV‚d ,DLkpsat fyfeVsM ¼,u-,Lk-bZ-½ ij

U;kLkh cSad dh v¨j Lks vkbZ-Mh-ch-vkbZ- VªLVhf’ki LkÆoLkst fyfeVsM d¨ ck.M ds /kkjd ¼dä½dh v¨j Lks dk;Z djus ds fy, cr©j U;kLkh fu;qä fd;k x;kA

vkosnu jkf’k ij C;kt* dwiu nj ij& pSd@fMekaM Mªk¶V dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk Lks ,d fnu iwoZ rd


Punjab & Sind Bank

Table DF 14 –Full Terms & Conditions of Regulatory Capital Instruments1. BOND ISSUE – VII RS. 40 CRORE

TERMS OF THE PRESENT ISSUE

Punjab & Sind Bank is seeking offer for subscription of Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VII) in the nature of Promissory Notes of Rs. 1,00,000/- each for cash at par aggregating to Rs. 40.00 crores.

The Bonds offered are subject to provisions of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, the Companies Act, 1956, Securities Contract Regulation Act, 1956, terms of this Information Memorandum, Instructions contained in the Application Form and other terms and conditions as may be incorporated in the Trustee Agreement and Bond Trust Deed. Over and above such terms and conditions, the Bonds shall also be subject to the applicable provisions of the Depositories Act, 1996 and the laws as applicable,

from time to time by the Government of India (GoI), Reserve Bank of India (RBI), Securities & Exchange Board of India (SEBI), concerned Stock Exchange(s) or any other authorities and other documents that may be executed in respect of the Bonds.

NATURE & STATUS OF THE BONDS

The Bonds are to be issued in the form of Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VII) in the nature of Promissory Notes. The Bonds will constitute direct, unsecured and subordinated obligations of the Bank, ranking pari-passu with the existing/ future subordinated debt of the Bank and subordinated to the claims of all other creditors and depositors of the Bank as regards repayment of principal and interest by the Bank. The Bonds shall be free of any restrictive clauses and shall not be redeemable at the initiative of the holder and without the consent of the Reserve Bank of India (RBI).

INSTRUMENT & ISSUE DETAILS AT A GLANCE

Issue Size Rs. 40.00 crores

Issue Objects Augmenting the Tier-II Capital for strengthening the Capital Adequacy and enhancing long term resources of the Bank

Instrument Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VII) in the nature of Promissory Notes

Instrument Form In Dematerialised Form

Credit Rating ‘LA’ by ICRA

Face Value Rs. 1,00,000/- per Bond

Issue Price At par (i.e. Rs. 1,00,000/- per Bond)

Minimum Application 10 Bonds and in multiples of 10 Bonds thereafter

Tenure 109 months

Put & Call Option None

Redemption/ Maturity At par at the end of 109 Months from the Deemed Date of Allotment

Coupon Rate (% p.a.) * 7.40%

Interest Payment Annually on May 15

Listing Proposed on the National Stock Exchange of India Limited (NSE)

Trustee IDBI Trusteeship Services Limited has been appointed by the Bank to act as Trustees for and on behalf of the holder(s) of the Bonds

Interest on Application Money *

At the coupon rate from the date of realisation of cheque(s)/ demand draft(s) upto one day prior to the Deemed Date of Allotment

* Subject to deduction of tax at source, as applicable.



iatkc ,.M ÇLk/k cSad dqy 100 dj¨M+ :i;ä ds vlqjf{kr vifjorZuh; Áfrns; Lkc¨ÆMusVsM ck.M

(Lkhjht –VIII) ds va'knku gsrq is'kd'k vkeaf=r djrk gS t¨ fd ÁR;sd 10,00,000/- :i;ä ds udn LkeewY; ij opu i= ds :i esa gSA ;s ck.M cSaÇdx daiuh (vf/kxzg.k ,oa miØeä dk varj.k) vf/kfu;e, 1970, daiuh vf/kfu;e, 1956, ÁfrÒwfr Lkafonk fu;eu vf/kfu;e, 1956 ds mica/kä] bLk Lkwpuk Kkiu dh 'kräZ] vkosnu i= esa mfYyf[kr vuqns'kä rFkk U;kLkh Lke>kSrk rFkk ck.M VªLV MhM esa 'kkfey fd, tkus okys vU; fu;eä ,oa 'kräZ ds v/;k/khu gSA ,sLks fu;e ,oa 'kŸkäZ ds vfrfjä] ;s ck.M fMikWftVjh vf/kfu;e] 1996 ds vuqÁ;¨T; mica/kä rFkk ;Fkk vuqÁ;¨T; fo/kkuä, fn'kk&funsZ'kks] vf/kLkwpukvksa ,oa vkcaVu rFkk iwath tkjh djus rFkk Òkjr Lkjdkj] Òkjrh; fjt+oZ cSad] Òkjrh; ÁfrÒwfr ,oa fofu;e c¨MZ ¼Lksch½] Lkacaf/kr LVkWd ,DLkpsat vFkok vU; Ákf/kdj.kä }kjk Lke;&Lke; ij t+kjh ÁfrÒwfr;ä d¨ Lkwphc) djus Lks Lkacaf/kr fofu;eä ,oa ck.M ds Lkaca/k esa rS;kj fd, tkus okys vU; nLrkotä ds Òh v/;k/khu gäxsA

;s ck.M vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM ck.M (Lkhjht –VIII) ds :i esa rFkk opui=ä ds :i esa fuxZr fd, tkus gSaA bu ckaMä esa cSad ds

ÁR;{k, vlqjf{kr ,oa x©.k nkf;Ro 'kkfey gäxs t¨ cSad ds orZeku/Òfo"; esa tkjh güs okys x©.k _.kä ds Lked{k gäxs rFkk cSad ds vU; LkÒh _.k/kkjdä

,oa tekdrkZvksa d¨ fd, tkus okys ewy/ku rFkk C;kt ds iqu: Òqxrku ds nkoä ds ckn ns; gäxsA ;s ck.M fdLkh Áfrca/kkRed /kkjkvksa Lks eqä gäxs rFkk ;s /kkjd ds Á;kLk ek= rFkk fcuk Òkjrh; fjt+oZ cSad dh vuqefr ds Áfrns; ugÈ gäxsA

bÜ;w dk vkdkj :i, 100-00 dj¨M+ ¼vR;fÒnku dh jkf’k j[kus ds fodYi ds LkkFk½

bÜ;w dk mÌsÜ; cSad dh iwath i;kZIrrk d¨ Lkq–<+ djus ,oa nh?kZdkyhu LkaLkk/kuä d¨ c<+kus gsrq fV;j-II iwath esa vfÒo`f) djukA

fy[kr opu i= ds :i esa vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –VIII½

fy[kr dk :i MhesV QkeZ esa

ØsfMV jsÇVx fØfLky }kjk ^,-,&** rFkk bØk ¼vkbZ-vkj-Lkh-,-½ }kjk ^,y-,+ **+

vafdr ewY;

fuxZe ewY; LkeewY; ij ¼vFkkZr~ 10]00]000- Áfr ck.M½

U;wure vkosnu 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

dk;Zdky 117 ekg

iqV ,o dky fodYi d¨bZ ugÈ

Áfrns;rk/

ifjiDDork

Lke ewY; ij&vkcaVu dh ekuh xbZ frfFk Lks 117 eghuä ds var esa

dwiu nj(% Áfr o”kZ) 9-25%

C;kt ns;rk okÆ"kd &15 ebZ d¨

fyÇLVx ÁLrkfor&us’kuy LVk-kd ,DLkpsat fyfeVsM ¼,u-,Lk-bZ½ ij

U;kLkh cSad dh v¨j Lks vkbZ-Mh-ch-vkbZ- VªLVhf’ki LkÆoLkst fyfeVsM d¨ ck.M ds /kkjd¼dä½ dh v¨j Lks dk;Z djus ds fy, cr©j U;kLkh fu;qä fd;k x;kA

vkosnu jkf’k ij C;kt* dwiu nj ij & pSd@fMekaM Mªk¶V dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rd A


Punjab & Sind Bank

2. BOND ISSUE – VIII RS. 150 CRORE

Punjab & Sind Bank is seeking offer for subscription of Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VIII) in the nature of Promissory Notes of Rs. 10,00,000/- each for cash at par aggregating to Rs. 100.00 crores with an option to retain oversubscription.

The Bonds offered are subject to provisions of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, the Companies Act, 1956, Securities Contract Regulation Act, 1956, terms of this Information Memorandum, Instructions contained in the Application Form and other terms and conditions as may be incorporated in the Trustee Agreement and Bond Trust Deed. Over and above such terms and conditions, the Bonds shall also be subject to the

relating to the allotment & issue of capital and listing of securities issued from time to time by the Government of India (GoI), Reserve Bank of India (RBI), Securities & Exchange Board of India (SEBI), concerned Stock Exchange(s) or any other authorities and other documents that may be executed in respect of the Bonds.

NATURE & STATUS OF THE BONDSThe Bonds are to be issued in the form of Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VIII) in the nature of Promissory Notes. The Bonds will constitute direct, unsecured and subordinated obligations of the Bank, ranking pari-passu with the existing/ future subordinated debt of the Bank and subordinated to the claims of all other creditors and depositors of the Bank as regards repayment of principal and interest by the Bank. The Bonds shall be free of any restrictive clauses and shall not be redeemable at the initiative of the holder and without the consent of the Reserve Bank of India (RBI).


Issue Size Rs. 100.00 crores with an option of retain oversubscription

Issue Objects Augmenting the Tier-II Capital for strengthening the Capital Adequacy and enhancing long term resources of the Bank

Instrument Unsecured Redeemable Non-Convertible Subordinated Bonds (Series-VIII) in the nature of Promissory Notes


Credit Rating


Issue Price At par (i.e. Rs. 10,00,000/- per Bond)

Minimum Application 1 Bonds and in multiples of 1 Bonds thereafter

Tenure 117 months


Redemption/ Maturity At par at the end of 117 Months from the Deemed Date of Allotment

Coupon Rate (% p.a.) * 9.25% p.a.

Interest Payment Annually on May 15th

Listing Proposed on the National Stock Exchange of India Limited (NSE)

Trustee IDBI Trusteeship Services Limited has been appointed by the Bank to act as Trustees for and on behalf of the holder(s) of the Bonds


At the coupon rate from the date of realisation of cheque(s)/ demand draft(s) upto one day prior to the Deemed Date of Allotment

* subject to deduction of tax at source, as applicable.

3.BOND ISSUE – IX RS. 100 CRORE



iatkc ,.M ÇLk/k cSad dqy 100 dj¨M+ :i;ä ds vlqjf{kr vifjorZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –IX½ ds va'knku gsrq is'kd'k vkeaf=r djrk gS t¨ fd ÁR;sd 10]00]000@-:i;ä ds udn LkeewY; ij opu i= ds :i esa gSA

;s ck.M cSaÇdx daiuh (vf/kxzg.k ,oa miØeä dk varj.k) vf/kfu;e, 1970 , daiuh vf/kfu;e, 1956 , ÁfrÒwfr Lkafonk fu;eu vf/kfu;e, 1956 ds mica/kä] bLk Lkwpuk Kkiu dh 'kräZ] vkosnu i= esa mfYyf[kr vuqns'kä rFkk U;kLkh Lke>kSrk rFkk ck.M VªLV MhM esa ‘kkfey fd, tkus okys vU; fu;eä ,oa 'kräZ ds v/;k/khu gSA ,sLks fu;e ,oa 'kräZ ds vfrfjä] ;s ck.M fMikWftVjh vf/kfu;e] 1996 ds vuqÁ;¨T; mica/kä rFkk ;Fkk vuqÁ;¨T; fo/kkuä] fn'kk&funsZ'kks] vf/kLkwpukvksa ,oa vkcaVu rFkk iwath tkjh djus rFkkÒkjr Lkjdkj] Òkjrh; fjt+oZ cSad] Òkjrh; ÁfrÒwfr ,oa fofu;e c¨MZ ¼Lksch½] Lkacaf/kr LVkWd ,DLkpsat vFkok vU; Ákf/kdj.kä }kjk Lke;&Lke; ij t+kjh ÁfrÒwfr;ä d¨ Lkwphc) djus Lks Lkacaf/kr fofu;eä ,oa ck.M ds Lkaca/k esa rS;kj fd, tkus okys vU; nLrkotä ds Òh v/;k/khu gäxsA

;s ck.M vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM ck.M ¼Lkhjht –IX½ ds :i esa rFkk opui=ä ds :i esa fuxZr fd, tkus gSaA bu ckaMä esa cSad ds ÁR;{k] vlqjf{kr ,oa x©.k nkf;Ro 'kkfey gäxs t¨ cSad ds orZeku@Òfo"; esa tkjh güs okys x©.k _.kä ds Lked{k gäxs rFkk cSad ds vU; LkÒh _.k/kkjdä ,oa tekdrkZvksa d¨ fd, tkus okys ewy/ku rFkk C;kt ds iqu% Òqxrku ds nkoä ds ckn ns; gäxsA ;s ck.M fdLkh Áfrca/kkRed /kkjkvksa Lks eqä gäxs rFkk ;s /kkjd ds Á;kLk ek= rFkk fcuk Òkjrh; fjt+oZ cSad dh vuqefr ds Áfrns; ugÈ gäxs

cSad ds fV;j&II iwath esa o`f) ds fy, orZeku ck.Mä d¨ t+kjh fd; k tk jgk gS rkfd cSad dh iwathxr i;kZIrrk Lkq–<+ g¨ Lkds v©j cSad ds nh?kkZof/kd LkaLkk/kuä d¨ c<+k;k tk LkdsA orZeku bÜ;w ij güs okys O;; dk ogu cSad }kjk fd;k tk,xkA ftu xfrfof/k;ä d¨ djus ds fy, orZeku bÜ;w ds ek/;e Lks fuf/k;k¡ LkÆtr dh tk jgh gSa muds fy, ,oa cSad }kjk bÜ;w dh frfFk rd dh tk jgh xfrfof/k;ä ds fy, cSad ds LkaLFkkiu Áys[k dk eq[; mÌsÜ; [kaM LkkeF;Z Ánku djrk gSA bLk bÜ;w Lks tqVkbZ x;h /kujkf'k dk cSad }kjk viuh fu;fer O;oLkkf;d xfrfof/k;ä ds fy, mi;¨x fd;k tk,xkA

bÜ;w dk vkdkj 100 dj¨M+ :i,

bÜ;w dk mÌsÜ; cSad dh iwath i;kZIrrk d¨ Lkq–<+ djus ,oa nh?kZdkyhu LkaLkk/kuä d¨ c<+kus gsrq fV;j-II iwath esa vfÒo`f) djuk A

fy[kr opu i= ds :i esa vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM fV;j-II ck.M ¼Lkhjht –IX½

fy[kr dk :i MhesV Q‚eZ esa

ØsfMV jsÇVx “,y-,-, jsÇVx &bØk ¼vkbZ-Lkh-vkj-,-½}kjk rFkk “,-,&@LVscy jsÇVx&fØfLky }kjk

vafdr ewY; 10,00,000@- Áfr ck.M

fuxZe ewY; Lke ewY; ij ¼vFkkZr~ 10]00]000@- Áfr ck.M½

U;wure vfÒnku 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

vof/k 10 o"kZ rFkk 3 eghus (123 eghuss)

iqV ,o dky fodYi d¨bZ ugÈ

Áfrns;rk Lke ewY; ij -vkcaVu dh ekuh xbZ frfFk Lks 10 o"kZ rFkk 3 eghus ds var esaA

dwiu nj* 9.10% Áfr o"kZ

C;kt Òqxrku v/kZ-okÆ"kd

C;kt Òqxrku dh frfFk;ka ÁR;sd o"kZ dh 15 ebZ rFkk 15 uoEcj

fyÇLVx ÁLrkfor- us'kuy LVkd ,DLkpsat fyfeVsM(,u-,Lk-bZ) ds Fk¨d _.k cktkj [kaM (MCy;w-Mh-,e-) ijA


Punjab & Sind Bank

TERMS OF THE PRESENT ISSUEPunjab & Sind Bank is seeking offer for subscription of Unsecured Redeemable Non-Convertible Subordinated Tier-II Bonds (Series-IX) in the nature of Promissory Notes of Rs. 10,00,000/- each for cash at par aggregating to Rs. 100 crores.

The Bonds offered are subject to provisions of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, the Companies Act, 1956, Securities Contract Regulation Act, 1956, terms of this Information Memorandum, Instructions contained in the Application Form and other terms and conditions as may be incorporated in the Trustee Agreement and Bond Trust Deed. Over and above such terms and conditions, the Bonds shall also be subject to the

relating to the allotment & issue of capital and listing of securities issued from time to time by the Government of India (GoI), Reserve Bank of India (RBI), Securities & Exchange Board of India (SEBI), concerned Stock Exchange or any other authorities and other documents that may be executed in respect of the Bonds.

NATURE & STATUS OF THE BONDS

The Bonds are to be issued in the form of Unsecured Redeemable Non-Convertible Subordinated Tier-II Bonds in the nature of Promissory Notes. The Bonds will constitute direct, unsecured and subordinated obligations of the Bank, ranking pari passu with the existing/ future subordinated debt of the Bank and subordinated to the claims of all other creditors and depositors of the Bank as regards payment of interest and repayment of principal by the Bank out of its own funds. The Bonds shall be free of any restrictive clauses and shall not be redeemable at the initiative of the holder or without the consent of the Reserve Bank of India (RBI).

OBJECTS OF THE ISSUE

The present issue of bonds is being made for augmenting the Tier-II Capital of the Bank for strengthening its Capital Adequacy and for enhancing the long-term resources of the Bank. The expenses of the present issue would be borne by the Bank. The Main Object Clause of the Memorandum of Association of the Bank enables it to undertake the activities for which the funds are being raised through the present issue and also the activities which the Bank has been carrying on till date. The proceeds of this Issue would be used by the Bank for its regular business activities.


Issue Size Rs. 100 crores

Issue Objects Augmenting the Tier-II Capital for strengthening the Capital Adequacy and enhancing long term resource base of the Bank

Instrument Unsecured Redeemable Non-Convertible Subordinated Tier-II Bonds in the nature of Promissory Notes (Series-IX)


Credit Rating “LAA” by ICRA and “AA-/Stable” by CRISIL


Issue Price At par (Rs. 10,00,000/- per Bond)

Minimum Application 1 Bond and in multiples of 1 Bond thereafter

Tenure 10 Year and 3 Months ( 123 Months)


Redemption At par at the end of 10 Year and 3 Months from the Deemed Date of Allotment

Coupon Rate* 9.10% p.a.

Interest Payment Semi-Annual

Interest Payment dates May 15 and November 15 each year

Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Limited (NSE)



U;kLkh cSad dh v¨j Lks vkbZ-Mh-ch-vkbZ- VªLVhf’ki LkÆoLkst fyfeVsM d¨ ck.M ds /kkjd(dä) dh v¨j Lks dk;Z djus ds fy, cr©j U;kLkh fu;qä fd;k x;kA

vkosnu jkf’k ij C;kt* dwiu nj ij vFkkZr~ 9-10% okÆ"kd nj Lks - pSd/fMekaM Mªk¶V/vkj-Vh-th-,Lk- dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rd A

bÜ;wdrkZ iatkc ,.M ÇLk/k cSad

bÜ;w dk vkdkj :i, 400 dj¨M+

fy[kr opu i= (ck.MLk) ds :i esa vlqjf{kr vifjoŸkZuh; Áfrns; Lkc¨ÆMusVsM fV;j-II ck.M~ (Lkhjht+ X)tkjh djuk/Ø;-foØ; MhesV Q‚eZ esa

ØsfMV jsÇVx “,y-,-,-” - bØk (vkbZ-vkj-Lkh-,,) }kjk rFkk “ds;j ,-,-” - ds;j (Lkh-,-vkj-bZ-) }kjk ÁfrÒwfr vlqjf{kr

vafdr ewY; 1000000/- Áfr ck.MfuxZe ewY; LkeewY; ij (vFkkZr~ 1000000/- Áfr ck.M)Áfrns;rk ewY; LkeewY; ij (vFkkZr~ 1000000/- Áfr ck.M)U;wure vkosnu 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

vof/k 127 eghus(10 o"kZ rFkk 7 ekg)iqV ,o dky fodYi d¨bZ ugÈ

Áfrns;rk/ifjiDDork

Lke ewY; ij - vkoaVu dh ekuh xbZ frfFk Lks 127 eghuä (10 o"kZ rFkk 7 ekg) dh LkekfIr ij (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)

Áfrns;rk frfFk 15 vÁSy, 2019 dwiu nj* 11-05% okÆ"kd

C;kt Òqxrku okÆ"kd

C;kt Òqxrku frfFk;ka ÁR;sd o"kZ esa 15 ebZ fyÇLVx ÁLrkfor - us'kuy LVkd ,DLkpsat fyfeVsM (,u-,Lk-bZ) ds Fk¨d _.k cktkj [kaM (MCy;w-Mh-,e-) U;kLkh cSad dh v¨j Lks vkb.Mh.ch.vkbZ. VªLVhf’ki LkÆoLkst fyfeVsM d¨ ck.M ds /kkjd(dä) dh v¨j Lks dk;Z djus ds fy,

cr©j U;kLkh fu;qä fd;k x;kA

fu{ksikxkj us'kuy LD;wfjVh fMi¨ft+Vjh fy- rFkk LksUVªy fMi¨ft+Vjh LkÆoLkst (bafM;k) fyfeVsM

iath;d ,e.Lkh.,Lk. fyfeVsM

vkosnu jkf’k ij C;kt* dwiu nj ij (vFkkZr~ 11-05% okÆ"kd nj Lks) - pSd/fMekaM Mªk¶V/vkj-Vh-th-,Lk- dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdA

fuiVku C;kt ds Òqxrku rFkk ewy /ku dh vnk;xh pSd(dä)/ C;kt/Áfrns; okjaV(Lk) /fMekaM Mªk¶V/vkj-Vh-th-,Lk- Á-kkyh ds ek/;e Lks

vfÒnku dh fof/k “dsoy ,dkmaV isbZ” js[kkafdr pSd(dä) / fMekaM Mªk¶V(Vä) }kjk t¨ fd iatkc ,.M ÇLk/k cSad ds i{k esa vkgrZ gä

v©j ÁdVhdj.k Ái= esa mfYyf[kr ukfer dsUæä ij LkeewY; ij ns; gä ;k fQj jkf’k d¨vkj-Vh-th-,l- ra= ds ek/;e

Lks iatkc ,.M ÇLk/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV Lka[;k "PSIB 0000385” ij rFkk fnYyh ds

fy, IFSC dwV Lka[;k ”PSIB 0000001” ij bysDVª‚fuDLk vUrj.k }kjk Òstk tk Lkdrk gSA

bÜ;w ds [kqyus dh frfFk^ 10-09-2008bÜ;w ds can güs dh frfFk^ 12-09-2008is-bu MsVLk^ 10-09-2008 Lks 12-09-2008


Punjab & Sind Bank

Trustee IDBI Trusteeship Services Limited (ITSL) has been appointed by the Bank to act as Trustees for and on behalf of the holder(s) of the Bonds


At the coupon rate i.e. @ 9.10% p.a. from the date of realisation of cheque(s)/ demand draft(s)/ RTGS upto one day prior to the Deemed Date of Allotment


4. BOND ISSUE – X Rs. 400 CRORE

SUMMARY TERM SHEET

Issuer Punjab & Sind Bank


Instrument Unsecured Redeemable Non-Convertible Subordinated Tier-II Bonds (Series-X) in the nature of Promissory Notes (“Bonds”)

Issuance/ Trading In Dematerialized Form

Credit Rating “LAA” by ICRA and “CARE AA” by CARE

Security Unsecured



Redemption Price At par (Rs. 10,00,000/- per Bond)

Minimum Subscription 1 Bond and in multiples of 1 Bond thereafter

Tenure 127 Months (10 Year 7 Months)


Redemption/ Maturity At par at the end of 127 Months (10 Year 7 Months) from the Deemed Date of Allotment (with prior approval from the Reserve Bank of India)

Redemption Date April 15, 2019

Coupon Rate * 11.05% p.a.

Interest Payment Annual

Interest Payment Date 15th May of each year

Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Ltd. (NSE)

Trustee IDBI Trusteeship Services Ltd. has been appointed by the Bank to act as Trustees for and on behalf of the holder(s) of the Bonds

Depository National Securities Depository Ltd. and Central Depository Services (India) Ltd.

Registrars MCS Ltd.


At coupon rate (i.e. @ 11.05% p.a.) from the date of realization of cheque(s)/ demand draft(s)/ RTGS up to one day prior to the Deemed Date of Allotment

Settlement Payment of interest and repayment of principal shall be made by way of cheque(s)/ interest/ redemption warrant(s)/ demand draft(s)/ credit through RTGS system

Mode of Subscription Cheque(s) / demand draft(s) may be drawn in favour of “Punjab & Sind Bank” and crossed “Account Payee Only” payable at par at designated centers mentioned elsewhere in the Disclosure Document or by way of electronic transfer of funds through RTGS mechanism for credit in the account of “Punjab & Sind Bank RTGS Account”IFSC Code: “PSIB 0000385“ for Mumbai and “PSIB 0000001” for New Delhi

Issue Opens on ^ September 10, 2008

Issue Closes on ^ September 12, 2008

Pay-In Dates ^ September 10, 2008 to September 12, 2008



vkcaVu dh ekuh xbZ frfFk^ 15-09-2008

*cSad ds ikLk bÜ;w esa Lka'k¨/ku (iwoZ fu;¨tu/LFkxu) djus, [ kÿus/can djus/Òqxrku frfFk Lkaca/kh viuk ,dy ,oa LkEiw.kZ vf/kdkj

Lkqjf{kr gS ftLkesa cSad fcuk d¨bZ dkj.k crk, vFkok iwoZ u¨fVLk ds ifjorZu dj Lkdrk gSA ,sLks ekeyä esa, cSad }kjk fuos'kdä

d¨ Lka'k¨f/kr Lke; Lkkj.kh Lks voxr djok;k tk,xkA cSad ds ikLk fcuk fdLkh u¨fVLk ds vkcaVu ds fy, ekuh tkus okyh ,d

Lks T;knk frfFk ¼;ks½ fu/kkZfjr djus dk Òh ,dy ,oa LkEiw.kZ vf/kdkj Lkqjf{kr gSA



bÜ;w dk mÌsÜ; cSad ds nh?kZdkyhu LkaLkk/kuä d¨ c<+kus rFkk iwath i;kZIrrk d¨ etcwr cukus ds fy, fV;j-II iwath d¨ c<+kukA

fy[kr opu i= (ck.MLk) ds :i esa vlqjf{kr Áfrns; vifjoŸkZuh; Lkc¨ÆMusVsM fV;j-II ck.M~Lk (Lkjht XI)fy[kr dh ÁÑfr ;g ck.M iw.kZ pqdrk, vlqjf{kr , vU; ysunkjä ds nkoä ds v/khuLFk, Áfrca/kd [kaM Lks eqä rFkk /kkjd dh igy vFkok

Òk-fj-cSa-dh Lkgefr ds fcuk Áfrns; ugÈ g¨xkA

tkjh djuk/Ø;-foØ; MhesV Q‚eZ esa

ØsfMV jsÇVx “,y.,.,” - vkbZ.vkj.Lkh.,. }kjk rFkk “ds;j ,.,.” - ds;j (Lkh.,.vkj.bZ.) }kjk”ÁfrÒwfr vlqjf{kr

vafdr ewY; 1000000/- Áfr ck.M

fuxZe ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)ifjiDork ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)U;wure vkosnu 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

vof/k 118 eghus(9okZ rFkk 10 ekg)iqV ,o dky fodYi d¨bZ ugÈ

Áfrns;rk/ifjiDDork

Lke ewY; ij - vkoaVu dh ekuh xbZ frfFk Lks 9 okZ rFkk 10 ekg (118 eghuä)ds var esa (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)

Áfrns;rk frfFk 26 vÁSy, 2019dwiu nj* 8-70% okÆ"kd nj Lks

C;kt Òqxrku okÆ"kd

C;kt Òqxrku frfFk;ka ÁR;sd o"kZ esa 15 ebZ rFkk vafre ifjiDork ij

fyÇLVx ÁLrkfor- us'kuy LVkd ,DLkpsat fyfeVsM(,u-,l-bZ-)ds Fk¨d _.k cktkj [kaM(MCy;w-Mh-,e-)U;kLkh vkbZ-Mh-ch-vkbZ- VªLVf’ki LkÆoLkst fyfeVsM

fu{ksikxkj us'kuy LD;wfjVh fMi¨fLVjh fy- rFkk LksUVªy fMi¨fLVjh LkÆoLkt (bafM;k) fyfeVsM

iath;d ,e-Lkh-,Lk- fyfeVsM

vkosnu jkf’k ij C;kt* dwiu nj ij (vFkkZr~ 8-70% okÆ"kd nj Lks) - pSd/ fMekaM Mªk¶V/ vkj-Vh-th-,Lk- dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdA

fuiVku C;kt ds Òqxrku rFkk ewy /ku dh vnk;xh pSd(dä)/ C;kt/Áfrns; okjaV(v¨s½/fMekaM Mªk¶V/vkj-Vh-th-,Lk-/ bZ-Lkh-,Lk-Á.kkyh ds ek/;e Lks ØsfMV dh tk,xhA


Punjab & Sind Bank

Deemed Date of Allotment ^

September 15, 2008


^ The Bank reserves its sole and absolute right to modify (pre-pone/ postpone) the issue opening/ closing/ pay-in date(s) without giving any reasons or prior notice. In such a case, investors shall be intimated about the revised time schedule by the Bank. The Bank also reserves the right to keep multiple Deemed Date(s) of Allotment at its sole and absolute discretion without any notice.

5. BOND ISSUE – XI Rs. 175 CRORE

SUMMARY TERM SHEET



Issue Objects Augmenting Tier-II Capital for strengthening the Capital Adequacy and enhancing long term resources of the Bank

Instrument Unsecured Redeemable Non-Convertible Subordinated Lower Tier-II Bonds (Series-XI) in the nature of Promissory Notes (“Bonds”)

Nature of Instrument These Bonds shall be fully paid-up, unsecured, subordinated to the claims of other creditors, free of restrictive clauses and shall not be redeemable at the initiative of the holder or without the consent of the RBI


Credit Rating “LAA” by ICRA and “CARE AA” by CARE

Security Unsecured





Tenure 9 Year 10 Months (118 Months)


Redemption/ Maturity At par at the end of 9 Year 10 Months (118 Months) from the Deemed Date of Allotment (subject to prior approval from RBI)

Redemption Date April 26, 2019 (subject to prior approval from RBI)



Interest Payment Date


Trustee IDBI Trusteeship Services Ltd.


Registrars MCS Ltd.


At the coupon rate (i.e. @ 8.70% p.a) from the date of realization of cheque(s)/ demand draft(s)/ RTGS up to but excluding the Deemed Date of Allotment

Settlement Payment of interest and repayment of principal shall be made by way of cheque(s)/ interest/ redemption warrant(s)/ demand draft(s)/ credit through RTGS/ ECS system



vfÒnku dh fof/k “dsoy ,dkmaV isbZ” js[kkafdr pSd(dä)/fMekaM Mªk¶V(Vä) }kjk t¨ fd iatkc ,.M ÇLk/k cSad ds i{k esa vkgrZ gä v©j ÁdVhdj.k Ái= esa mfYyf[kr ukfer dsUæä ij LkeewY; ij ns; gä ;k fQj jkf’k d¨ vkj-Vh-th-,l ra= ds ek/;e Lks iatkc ,.M ÇLk/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV Lka[;k ”PSIB 0000385” ij rFkk fnYyh ds fy, IFSC dwV Lka[;k ”PSIB 0000001” ij bysDVª‚fuDLk vUrj.k }kjk Òstk tk Lkdrk gSA

bÜ;w ds [kqyus dh frfFk^ 15-06-2009

bÜ;w ds can güs dh frfFk^ 19-06-2009

is-bu MsVLk^ 15-06-2009 Lks 19-06-2009


^cSad ds ikLk bÜ;w esa Lka'k¨/ku (iwoZ fu;¨tu/LFkxu) djus, [kÿus/can djus/Òqxrku frfFk Lkaca/kh viuk ,dy ,oa LkEiw.kZ vf/kdkj Lkqjf{kr gS ftLkesa cSad fcuk d¨bZ dkj.k crk, vFkok iwoZ u¨fVLk ds ifjorZu dj Lkdrk gSA ,sLks ekeyä esa, cSad }kjk fuos'kdä d¨ Lka'k¨f/kr Lke; Lkkj.kh Lks voxr djok;k tk,xkA cSad ds ikLk fcuk fdLkh u¨fVLk ds vkcaVu ds fy, ekuh tkus okyh ,d Lks T;knk frfFk ¼;ks½ fu/kkZfjr djus dk Òh ,dy ,oa LkEiw.kZ vf/kdkj Lkqjf{kr gS A




fy[kr opu i= (ck.MLk) ds :i esa vlqjf{kr Áfrns; vifjoŸkZuh; Lkc¨ÆMusVsM-fV;j-II ck.M (Lkjht XII)fy[kr dh ÁÑfr ;g ck.M iw.kZ pqdrk, vlqjf{kr, vU; ysunkjä ds nkoä ds v/khuLFk, Áfrca/kd [kaM Lks eqä rFkk /kkjd dh igy vFkok

Òk-fj-cSa-dh Lkgefr ds fcuk Áfrns; ugÈ g¨xkA

t+kjh djuk/Ø;-foØ; MhesV Q‚eZ esa

ØsfMV jsÇVx “,y-,,,” - vkbZ-vkj-Lkh-,- }kjk rFkk “ ,-,-” – fØfLky }kjk”ÁfrÒwfr vlqjf{kr

vafdr ewY; 1000000/- Áfr ck.MfuxZe ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)Áfrns; ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)U;wure vkosnu 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

vof/k 123 eghus(10 o"kZ 3 eghus)iqV fodYi d¨bZ ugÈ

Áfrns;rk/ifjiDork

vkoaVu dh ekuh xbZ frfFk Lks 10 o"kZ 3 eghusa(123 eghus) ds var esa Lke ewY; ij (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)

ifjiDork frfFk 15-04-2020 (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)dwiu nj* 8-70% okÆ"kd nj Lks C;kt Òqxrku okÆ"kd


fyÇLVx ÁLrkfor- us'kuy LVkd ,DLkpsat fyfeVsM(,u-,Lk-bZ)ds Fk¨d _.k cktkj [kaM(MCy;w-Mh-,e-)


Punjab & Sind Bank


Issue Opens on ^ June 15, 2009

Issue Closes on ^ June 19, 2009

Pay-In Date ^ June 15, 2009 to June 19, 2009


June 26, 2009



6. BOND ISSUE – XII Rs. 200 CRORE

VIII. SUMMARY TERM SHEET




Instrument Unsecured Redeemable Non-Convertible Subordinated Lower Tier-II Bonds (Series-XII) in the nature of Promissory Notes (“Bonds”)



Credit Rating “LAA” by ICRA and “AA” by CRISIL

Security Unsecured





Tenure 10 Year 3 Months (123 Months)


Redemption/ Maturity At par at the end of 10 Years 3 Months (123 Months) from the Deemed Date of Allotment (subject to prior approval from RBI)

Redemption Date April 15, 2020 (subject to prior approval from RBI)








U;kLkh vkbZ-Mh-ch-vkbZ- VªLVf’ki LkÆoLkst fyfeVsM



vkosnu jkf’k ij C;kt* dwiu nj ij (vFkkZr~ 8-70 % okÆ"kd nj Lks) - pSd/ fMekaM Mªk¶V/ vkj-Vh-th-,Lk- dh oLkwyh güs dh frfFk Lks vkcaVu dh ekuh xbZ frfFk ds ,d fnu iwoZ rdA

fuiVku C;kt ds Òqxrku rFkk ewy /ku dh vnk;xh pSd(dä)/ C;kt/Áfrns; okjaV(Lk) /fMekaM Mªk¶V/vkj-Vh-th-,Lk- Á.kkyh/bZ.Lkh.,Lk. Á.kkyh ds ek/;e LksA

vfÒnku dh fof/k “dsoy ,dkmaV isbZ” js[kkafdr pSd(dä)/fMekaM Mªk¶V(Vä) }kjk t¨ fd iatkc ,.M ÇLk/k cSad ds i{k esa vkgrZ gä v©j ÁdVhdj.k Ái= esa mfYyf[kr ukfer dsUæä ij LkeewY; ij ns; gä ;k fQj jkf’k d¨ vkj-Vh-th-,l- ra= ds ek/;e Lks

iatkc ,.M ÇLk/k cSad vkj-Vh-th-,l- [kkrk esa eqacbZ ds fy, IFSC dwV Lka[;k ”PSIB 0000385” ij rFkk fnYyh

ds fy, IFSC dwV Lka[;k ”PSIB 0000001” ij bysDVª‚fuDLk vUrj.k }kjk Òstk tk Lkdrk gSA



is-bu MsVLk^ 06-01-2010 Lks 13-01-2010


^cSad ds ikLk bÜ;w esa Lka'k¨/ku (iwoZ fu;¨tu/LFkxu) djus, [kÿus / can djus / Òqxrku frfFk Lkaca/kh viuk ,dy ,oa LkEiw.kZ vf/kdkj Lkqjf{kr gS ftLkesa cSad fcuk d¨bZ dkj.k vFkok iwoZ u¨fVLk ds ifjorZu dj Lkdrk gSA ,sLks ekeyä esa, cSad }kjk fuos'kdä d¨ Lka'k¨f/kr Lke; Lkkj.kh Lks voxr djok;k tk,xkA cSad ds ikLk fcuk fdLkh u¨fVLk ds vkcaVu ds fy, ekuh tkus okyh ,d Lks T;knk frfFk;k¡ fu/kkZfjr djus dk Òh ,dy ,oa LkEiw.kZ vf/kdkj Lkqjf{kr gS A




fy[kr opu i= (ck.M) ds :i esa vlqjf{kr Áfrns; vifjoŸkZuh; Lkc¨ÆMusVsM-fV;j-II ck.M (Lkjht XIII)fy[kr dh ÁÑfr ;g ck.M iw.kZ pqdrk, vlqjf{kr, vU; ysunkjä ds nkoä ds v/khuLFk, Áfrca/kd [kaM Lks eqä rFkk /kkjd dh igy vFkok

Òk-fj-cSa- dh Lkgefr ds fcuk Áfrns; ugÈ g¨xkA

t+kjh djuk/ Ø;-foØ; MhesV Q‚eZ esa

ØsfMV jsÇVx “,y-,,,+” - vkbZ-vkj-Lkh-,- }kjk rFkk “ds;j ,-,+-” - ds;j (Lkh-,-vkj-bZ-) }kjk”ÁfrÒwfr vlqjf{kr

vafdr ewY; 1000000/- Áfr ck.MfuxZe ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)Áfrns; ewY; Lke ewY; ij (vFkkZr~ 1000000/- Áfr ck.M)U;wure vkosnu 1 ck.M v©j mLkds ckn 1 ck.M ds xq.kdä esa

dk;Zdky 124 eghusiqV fodYi d¨bZ ugÈ

dky fodYi NVs o"kZ ds var esa(Òk-fj-cSa- dh LohÑfr ds vk/kkj ij)Áfrns;rk/ifjiDDork

frfFk Lks 124 eghuä ds var esa Lke ewY; ij (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)

Áfrns;rk frfFk 24-10-2021 (Òkjrh; fjt+oZ cSad dh iwoZ LohÑfr ds LkkFk)


Punjab & Sind Bank


Registrars MCS Ltd.





Issue Opens on ^ January 6, 2010

Issue Closes on ^ January 13, 2010

Pay-In Date ^ January 6, 2010 to January 13, 2010


January 15, 2010



7. BOND ISSUE – XIII Rs. 300 CRORE

SUMMARY TERM SHEET


Issue Size Rs. 300 crore


Instrument Unsecured Redeemable Non-Convertible Subordinated Lower Tier-II Bonds (Series-XIII) in the nature of Promissory Notes (“Bonds”)



Credit Rating

Security Unsecured





Tenure 124 Months

Put Option None

Call Option At the end of 6th Year (Subject to Approval from RBI)

Redemption/ Maturity At par at the end of 124 Months from the Deemed Date of Allotment (subject to prior approval from RBI)

Redemption Date 24th October 2021 (subject to prior approval from RBI)



dwiu nj* 9-73% okÆ"kd nj Lks C;kt Òqxrku okÆ"kd


fyÇLVx ÁLrkfor-us'kuy LVkd ,DLkpsat fyfeVsM(,u-,Lk-bZ)ds Fk¨d _.k cktkj [kaM(MCy;w-Mh-,e-)U;kLkh vkbZ-Mh-ch-vkbZ- VªLVf’ki LkÆoLkst fyfeVsM



vkosnu jkf’k ij C;kt* dwiu nj ij - vkcaVu dh ekuh xbZ frfFk d¨ N¨M+dj pSd(dä)fMekaM Mªk¶V(Vä)/ vkj-Vh-th-,Lk- dh oLkwyh güs dh frfFk Lks (vFkkZr~ 9-73%okÆ"kd nj Lks)

fuiVku C;kt ds Òqxrku rFkk ewy /ku dh vnk;xh pSd(dä)/ C;kt/Áfrns; okjaV(Lk) /fMekaM Mªk¶V/vkj-Vh-th-,Lk- Á-kkyh/bZ-Lkh-,Lk- Á.kkyh ds ek/;e LksA

va’knku dk ek/;e vkj.Vh.th.,Lk.ra= ds ek/;e Lks jkf’k d¨ bySDVªkfuDLk varj.k ds rjhds Lks “iatkc ,.M ÇLk/k cSad vkj-Vh-th-,Lk- [kkrk” esa fnYyh ds fy, IFSC dwV Lka[;k ”PSIB 0000001 ” esa fd;k tk Lkdrk gSA



is-bu MsVLk^ 20-06-2011 ls 24-06-2011


^cSad ds ikLk bÜ;w esa Lka'k¨/ku (iwoZ fu;¨tu/LFkxu) djus, [kÿus/can djus/Òqxrku frfFk Lkaca/kh viuk ,dy ,oa LkEi.kZ vf/kdkj Lkqjf{kr gS ftLkesa cSad fcuk d¨bZ dkj.k crk, vFkok iwoZ u¨fVLk ds ifjorZu dj Lkdrk gSA ,sLks ekeyä esa, cSad }kjk fuos'kdä d¨ Lka'k¨f/kr Lke; Lkkj.kh Lks voxr djok;k tk,xkA cSad ds ikLk fcuk fdLkh u¨fVLk ds vkcaVu ds fy, ekuh tkus okyh ,d Lks T;knk frfFk¼;ks½ fu/kkZfjr djus dk Òh ,dy ,oa LkEi.kZ vf/kdkj Lkqjf{kr gS A

LkkoZtfud {ks=ä ds cSadä ds fy, ykxw ugÈ gSaA

uksV% ;g ewy vaxzsth ikB dk fganh vuqokn gSA


Punjab & Sind Bank







Registrars MCS Ltd.




Mode of Subscription By way of electronic transfer of funds through RTGS mechanism for credit in the account of “Punjab & Sind Bank RTGS Account” IFSC Code: “PSIB0000001” for New Delhi

Issue Opens on ^ 20th June 2011

Issue Closes on ^ 24th June 2011

Pay-In Date ^ 20th June 2011 to 24th June 2011


24th June 2011

* Subject to deduction of tax at source, as applicable.


Table DF 15 –Disclosure Requirements for Remuneration-

Not applicable to PSU Banks



¼000 N¨M+dj½

iwath 1 4752842 4540212

vkjf{kr fuf/k ,oa vf/k'ks"k 2 45360038 41500803

tekjkf'k;k¡ 3 847301648 706415025

m/kkj 4 23050423 25400507

vU; ns;rk,a rFkk Áko/kku 5 24626596 26922486

udnh v©j Òkjrh; fjt+oZ cSad esa bfr'ks"k 6 48344909 32489201

cSadä esa bfr'ks"k ,oa ekax rFkk vYi lwpuk ij ÁkI;/ku

7 14903466 8302906

fuos'k 8 282941140 225424808

vfxze 9 572390666 514307860

fLFkj vkfLr;k¡ 10 10027150 8441281

vU; vkfLr;k¡ 11 16484216 15812977

vkdfLed ns;rk,a 12 100290718 80116615

oLkwyh ds fy, fcy 12757758 11588513

mYys[kuh; ys[kk uhfr;k¡ 17

[kkrä Lks Lkacaf/kr fVIif.k;k¡ 18

vuqLkwph 1 Lks 18 [kkrä dk vfÒé vax gSaA

¼000 d¨ N¨M+dj½

vÆtr C;kt 13 79727065 73401243

vU; vk; 14 4272808 3942169

O;; fd;k x;k C;kt 15 63521242 56991021


Punjab & Sind Bank

PUNJAB SIND BANK

BALANCE SHEET AS ON 31st MARCH, 2014

(000’S OMITTED)

Rs. Rs.

CAPITAL & LIABILITIES SCHEDULE

AS ON

31.03.14

[Audited]

AS ON

31.03.13

[Audited]Capital 1 4752842 4540212

Reserves & Surplus 2 45360038 41500803

Deposits 3 847301648 706415025

Borrowings 4 23050423 25400507

Other liabilities & Provisions 5 24626596 26922486

TOTAL 945091547 804779033

ASSETSCash & balances with Reserve Bank Of India 6 48344909 32489201Balances with banks & money at call and short

notice 7 14903466 8302906

Investments 8 282941140 225424808

Advances 9 572390666 514307860

Fixed Assets 10 10027150 8441281

Other Assets 11 16484216 15812977

TOTAL 945091547 804779033Contingent Liabilities 12 100290718 80116615

Bills for Collection 12757758 11588513

17

Notes on Accounts 18

Schedule 1 to 18 form an integral part of the accounts

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2014

(000’S OMITTED)

Rs. Rs.

SCHEDULE

YEAR ENDED

31.03.14

[Audited]

YEAR ENDED

31.03.13

[Audited]I. INCOME

Interest earned 13 79727065 73401243

Other income 14 4272808 3942169

TOTAL 83999873 77343412

II. EXPENDITUREInterest expended 15 63521242 56991021



ifjpkyu O;; 16 12473212 10963900

Áko/kku v©j vkdfLed O;; 4999155 5996289

vof/k ds 'kq) ykÒ@gkfu ¼&½ 3006264 3392202

vxzkuhr ykÒ@gkfu ¼&½ 15430797 14225065

ewy ,oa rqud`r vtZu izfr “ks;j 10-69 13-49

varj.k %

Lkkafof/kd vkjf{kr fuf/k;k¡ 752500 850000

iwath vkjf{kr fuf/k ¼fuos'k½ 118522 93488

/kkjk 36 ¼i½ ¼viii½ ds varxZrfo”ks’k vkjf{kr fuf/k;k¡

0 234188

vkjf{kr fuos”k 36817 0

vkLFkfxr dj ns;rk,a 234960 0

dkiksZjsV lkekftd mRrjnkf;Ro fuf/k 20000 20000

ÁLrkfor ykÒka'k%

ih,uLkhih,Lk 180000 170000

bZfDoVh 605625 680777

ykÒka'k forj.k dj 133517 138017

'ks"k d¨ vkxs rqyu&i= esa ys tk;k x;k 16355120 15430797

mYys[kuh; ys[kk uhfr;k¡ 17

[kkr¨a Lks Lkacaf/kr fVIif.k;k¡ 18

vuqLkwph 1 Lks 18 [kkr¨a dk vfÒé vax gSaA


Punjab & Sind Bank

Operating expenses 16 12473212 10963900

Provisions and contingencies 4999155 5996289

TOTAL 80993609 73951210III. PROFIT/LOSS

period 3006264 3392202

15430797 14225065

TOTAL 18437061 17617267Basic & Diluted Earning per Share (EPS) 10.69 13.49

IV. APPROPRIATIONSTransfer to:

Statutory Reserve 752500 850000

Capital Reserve [Investment] 118522 93488

0 234188

Investment Reserve 36817 0

Deferred Tax Liability 234960 0

Corporate Social Responsibility Fund 20000 20000

Proposed Dividend:

PNCPS 180000 170000

Equity 605625 680777

Dividend Distribution Tax 133517 138017

Balance carried over to Balance Sheet 16355120 15430797

TOTAL 18437061 17617267

Policies 17

Notes on Accounts 18

Schedule 1 to 18 form an integral part of the accounts

JATINDERBIR SINGH KISHORE KUMAR SANSI MUKESH KUMAR JAINCHAIRMAN & MG.DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR

MAHESH GUPTA S.P.BABUTA N.RAJENDRAN SURESH THAKUR SANJIV ARORADIRECTOR DIRECTOR DIRECTOR DIRECTOR DIRECTOR

S.P.S.VIRK SANJAY VERMA ANITA KARNAVAR G.S.SACHDEVA HARSHBIR SINGHDIRECTOR DIRECTOR DIRECTOR CHIEF GEN.MANAGER GEN. MANAGER

I.S.BHATIA DEEPAK MAINI G.S.DHALL R.C.NARAYAN D.D.SHARMA GEN. MANAGER GEN. MANAGER GEN. MANAGER GEN. MANAGER GEN. MANAGER

VARINDER GUPTA R.P.S.KHURANA V.K.MEHROTRA A.S.AHUJAGEN. MANAGER DY.GEN.MANAGER ASSTT GEN.MANAGER CHIEF MANAGER

206 okf"kd fjiksVZ 2013&4


ubZ fnYyhfnukad% 10-05-2014 ¼000 dks NksM-dj½

I. bfDoVh 'ks;j iwath izR;sd :- 10@- ds 75]00]00]000 'ks;j

7500000 7500000

II. vf/keku 'ks;j iwath ¼csfe;knh xSj&lap;h½ ¼ih-,u-lh-ih-,l-½ izR;sd :-10@- ds 225]00]00]000 'ks;j

22500000 22500000

30000000 30000000

I. bfDoVh 'ks;j iwath izR;sd :- 10@- ds 27]52]84]212 'ks;j ¼fiNys o"kZ 25]40]21]189½ ftlesa dsUnzh; ljdkj dh /kkfjrk esa izR;sd :- 10@- ds 22]41]32]212 'ks;j ¼fiNys o"kZZ 20]28]69]189 ½ lfEefyr gSaA

2752842

2540212

II. vf/keku 'ks;j iwath ¼csfe;knh xSj&lap;h½ ¼ih-,u-lhih-,l-½ dsUnzh; ljdkj dh /kkfjrk esa izR;sd :- 10@- ds 20]00]00]000 'ks;j ¼fiNys o"kZZ 20]00]00]000½

2000000 2000000


Punjab & Sind Bank

As per our Report of even date

For R. M. Lall & Co. For O. P. Tulsyan & Co. Chartered Accountants Chartered Accountants

(R. P. Tewari) (Rakesh Agarwal)Partner PartnerM. No. 071448 M. No. 081808FRN : 000932C FRN : 500028N

Chartered Accountants Chartered Accountants

Partner PartnerM. No. 060742 M. No. 090865FRN : 302166E FRN : 307069E

New DelhiMay 10, 2014

(000’S OMITTED)

Rs. Rs.

SCHEDULE 1-CAPITAL AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]I) Authorised Capital: Equity Share Capital 75,00,00,000

7500000 7500000

II)22500000 22500000

30000000 30000000

Issued, Subscribed and Paid-up Capital:i) Equity Share Capital 27,52,84,212 (Previous Year

22,41,32,212 (Previous Year 20,28,69,189) shares of 2752842 2540212

ii)(PNCPS) 20,00,00,000 (Previous Year 20,00,00,000) 2000000 2000000

TOTAL 4752842 4540212



:i, :i,

vuqLkwph 2 & vkjf{kr fuf/k ,oa vf/k'ks"k

vFk'ks"k 8259406 7409406

o"kZZ ds n©jku ifjo/kZu 752500 850000

II. iwath vkjf{kr fuf/k &

d½ iquewZY;u vkjf{kr fuf/k ¼LFkk;h vkfLr;ka½

vFk'ks"k 7065699 7295071

ifjo/kZu% o"kZZ ds n©jku ifjo/kZu 1479579 0

?kVk% o"kZZ ds n©jku dV©fr;ka &237688 &229372

[k½ iwath vkjf{kr fuf/k ¼fuos'k½

vFk'ks"k 2604207 2510719


III. “ks;j izhfe;e

vFk'ks"k 6254625 5055257

ifjo/kZu% o’kZ ds nkSjku ifjo/kZu 787370 1201868

?kVk% “ks;j fuxZe O;; &2188 &2500

IV. jktLo rFkk vU; vkjf{kr fuf/k;k¡

d½ LkkekU; vkjf{kfr;k¡

vFk'ks"k 1089107 1089107

ifjo/kZu% o"kZZ ds n©jku ifjo/kZu 0 0

?kVk% o"kZZ ds n©jku dV©fr;ka 0 0

vFk'ks"k 105700 105700

o"kZ ds n©jku ifjo/kZu 0 0

vFk'ks"k 691262 457074


?k½ vkjf{kr fuos”k

vFk'ks"k 0 0

o’kZ ds nkSjku ifjo/kZu 36817 0


Punjab & Sind Bank

(000’S OMITTED)

Rs. Rs.SCHEDULE 2-RESERVES & SURPLUS AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

I. Statutory ReservesOpening Balance 8259406 7409406

Addition during the year 752500 850000

Sub-Total-I 9011906 8259406II. Capital Reserves:

a.Revaluation Reserve (Fixed Assets)Opening Balance 7065699 7295071

Add: Addition during the year 1479579 0

Less: Deduction during the year

Sub-Total-II.a 8307590 7065699b.Capital Reserve [Investments] Opening Balance 2604207 2510719


Sub-Total-II.b 2722729 2604207III. Share Premium:

Opening Balance 6254625 5055257


Less: Share Issue Expenses

Sub-Total-III 7039807 6254625IV. Revenue & Other Reserves

a.General Reserves Opening Balance 1089107 1089107


Less:Deduction during the year 0 0

Sub-Total-IV.a 1089107 1089107b.Revenue Reserve: Opening Balance 105700 105700


Sub-Total-IV.b 105700 105700c.Special Reserve u/s 36(i)(viii): Opening Balance 691262 457074


Sub-Total-IV.c 691262 691262d.Investment Reserve Opening Balance 0 0


Sub-Total-IV.d 36817 0V. 16355120 15430797

TOTAL [I TO V] 45360038 41500803



¼000 d¨ N¨M+dj½

i½ cSad¨a Lks 297775 461883ii½ vU; Lks 43436576 35143450

121782532

i½ cSad¨a Lks 67627719 55643648 ii½ vU; Lks 602721884 493383512

¼000 d¨ N¨M+dj½

1-½ Òkjr esa m/kkj

i½ Òkjrh; fjt+oZ cSad 5800000 4000000

ii½ vU; cSad 0 0

iii½ vU; LkaLFkku v©j vfÒdj.k 423 2956237

iv) uoksUes’k csfe;knh _.k fy[kr ¼vkbZihMhvkbZ½ 1600000 1600000

v) csfe;knh lap;h vf/keku “ks;j ¼ih-lh-ih-,l-½ 2000000 2000000

vi) xkS.k _.k 13650000 13650000

2-½ Òkjr Lks ckgj m/kkj 0 1194270

mij¨ä t¨M+ ¼1½ v©j ¼2½ esa LkfEefyr ÁfrÒwr m/kkj 3800000 5998768

¼000 d¨ N¨M+dj½

II- vardkZ;kZy; Lkek;¨tu ¼fuoy½ 1117763 2995275

III- Á¨n~Òwr C;kt 7868251 6354274

IV. vkLFkfxr dj ns;rk 769365 1106899


Punjab & Sind Bank

(000’S OMITTED)

Rs. Rs.

SCHEDULE 3-DEPOSITS AS ON

31.03.14 [Audited]

AS ON

31.03.13 Audited]A. I. Demand Deposits

i.From Banks 297775 461883

ii.From others 43436576 35143450

II.Savings Bank Deposits 133217694 121782532

III.Term Deposits

i.From Banks 67627719 55643648

ii.From others 602721884 493383512

TOTAL [I+II+III] 847301648 706415025B. Deposits of branches in India 847301648 706415025

(000’S OMITTED)

Rs. Rs.

SCHEDULE 4-BORROWINGS AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

I. Borrowings in India

i) Reserve Bank of India 5800000 4000000

ii) Other Banks 0 0

iii) Other institutions & agencies 423 2956237

iv) Innovative Perpetual Debt Instruments [IPDI) 1600000 1600000

v) Perpetual Cumulative Preference Shares [PCPS] 2000000 2000000

vi) Subordinated Debt 13650000 13650000

II. Borrowings outside India 0 1194270

TOTAL [I & II] 23050423 25400507

Secured borrowings included in I & II above 3800000 5998768

(000’S OMITTED)

Rs. Rs.

SCHEDULE 5-OTHER LIABILITIES AND PROVISIONS AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

I. Bills Payable 1671254 2382557

1117763 2995275

III. Interest accrued 7868251 6354274

IV. Deferred Tax Liability 769365 1106899

V. Others (including provisions) 13199963 14083481

TOTAL 24626596 26922486



¼000 d¨ N¨Mdj½

I- gkFk esa udnh ¼bLkesa fons'kh djsaLkh u¨V LkfEefyr gSa½ 2407064 1751839

II- Òkjrh; fjt+oZ cSad esa bfr'ks"k

i) pkyw [kkrä esaa 45937845 30737362

ii½ vU; [kkrä esa 0 0

t¨M+ ¼ IrFkk II½ 48344909 32489201

¼000 d¨ N¨ Mdj½

1-½ Òkjr esa

i½ cSdä esa 'ks"k

d½ pkyw [kkrä esa 567903 843466

[k½ vU; tek [kkrä esa 8490959 2250000

ii½ ekax rFkk vYi Lkwpuk ij ÁkI; /ku

d½ cSadä Lks 4350000 1500000

[k½ vU; LkaLFkkvksa Lks 0 1000000

2-½ Òkjr ds ckgj

i½ pkyw [kkrä esa 1494604 1375458

ii½ vU; tek [kkrä esa 0 1333982

iii½ ekax v©j vYi Lkwpuk ij ÁkI; /ku 0 0

¼000 d¨ N¨Mdj½

1-½ Òkjr esa fuos'k

i½ Lkjdkjh ÁfrÒwfr;ka ** 216836768 187060332

ii½ vU; vuqe¨fnr ÁfrÒwfr;ka 99491 113932 iii½ 'ks;j 1686798 1724943

iv½ fMcSapj rFkk ckaM~Lk 31363359 11941940

v½ Lkgk;d bdkbZ;ka] rFkk Lka;qä miØe ,oa Ák;¨ftr LkaLFkku

6537 6537

vi½ vU;


Punjab & Sind Bank

(000’S OMITTED)Rs. Rs.

SCHEDULE 6-CASH & BALANCES WITH RESERVE BANK OF INDIA

AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

I. Cash in hand [including foreign

currency notes] 2407064 1751839

II.Balances with Reserve Bank of India

i) in Current Account 45937845 30737362

ii) in Other Account 0 0

TOTAL [I & II] 48344909 32489201

(000’S OMITTED)

Rs. Rs.SCHEDULE 7-BALANCES WITH BANKS &

MONEY AT CALL & SHORT NOTICE

AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]I.IN INDIA i) Balance with banks

a) in Current Accounts 567903 843466

b) in Other Deposit Accounts 8490959 2250000

ii) Money at call & Short notice

a) with banks 4350000 1500000

b) with other Institutions 0 1000000

13408862 5593466

II. OUTSIDE INDIA i) In Current Accounts 1494604 1375458

ii) In Other Deposit Accounts 0 1333982

iii) Money at call & Short notice 0 0

SUB-TOTAL [II] 1494604 2709440 TOTAL [I+II] 14903466 8302906

(000’S OMITTED)

Rs. Rs.SCHEDULE 8-INVESTMENT AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]I. Investments in India in

i) Government Securities ** 216836768 187060332

ii) Other approved securities 99491 113932

iii) Shares 1686798 1724943

iv) Debentures & Bonds 31363359 11941940

Institutions 6537 6537

vi) Others:



d½ okf.kfT;d i=@ lhMh@izfrHkfwr jlhnsa@vkjvkbZMh,Q 32774703 24370055

[k½ ;w-Vh-vkbZ-ds ;wfuV] vU; E;qpqvy QaM 173484 207069

mi&;¨x ¼I½ 282941140 225424808

II- Òkjr Lks ckgj fuos'k 'kwU; 'kwU;

dqy ;¨x ¼I$II½ 282941140 225424808

dqy ewY; 283466139 225902431

ewY; gzkLk dk Áko/kku ¼&½ 524999 477623

fuoy fuos'k 282941140 225424808

** buesa :- 617-04 dj¨M+ dh ÒkjxzLr ÁfrÒwfr;ka ¼vafdr ewY; :- 609-98 dj¨M+½ LkfEefyr gSaA fiNys o"kZZ ;g :- 276-42 dj¨M+ Fkh ¼vafdr ewY; :- 276-99 dj¨M+½

¼000 d¨ N¨Mdj½

d½ i½ Ø; fd, x, rFkk Òquk, x, fcy 4321382 4803417

ii½ udnh m/kkj] vf/kfod”kZ v©j ekax ij Áfrns; m/kkj 179853971 160488534

iii½ eh;knh _.k 388215313 349015909

[k½ i½ ewrZ vkfLr;¨a }kjk ÁfrÒwr ¼cgh _.k ds ,ot+ vfxze Lkfgr½

448369357 398260595

ii½ cSad@Lkjdkjh ÁfrÒwfr;¨a }kjk Lkajf{kr 6+5652978 55689694

iii½ izfrHkwfr jfgr 58368331 60357571

x½ Òkjr esa vfxze

i½ ÁkFkfedrk {ks= 155920233 139900130

ii½ LkkoZtfud {ks= 153507860 127844627

iii½ cSad 3300871 471810

iv½ vU; 259661702 246091293

¼000 d¨ N¨Mdj½

1-½ ifjLkj ifjLkj dk ewY; ¼vFk 'ks"k½ 717858 286161iquewZY;u ds n©jku ykxr esa ifjo/kZu 7666013 7666013

o"kZZ ds n©jku ifjo/kZuokLrfod ykxr ij 105856 431697iquewZY;u ykxr ij 8545278 0 o"kZZ ds n©jku dV©fr;kaokLrfod ykxr ij 0 0


Punjab & Sind Bank

32774703 24370055

b)Units of UTI, other MF 173484 207069

SUB-TOTAL [I] 282941140 225424808II.Investments outside India NIL NIL

TOTAL [I + II] 282941140 225424808 Gross Value 283466139 225902431

524999 477623

Net Investments 282941140 225424808

** Includes encumbered securities of Rs.617.04 crore [Face Value Rs.609.98 crore] previous year Rs.276.42 crore [Face Value Rs.276.99 crore]

(000’S OMITTED)

Rs. Rs.SCHEDULE 9-ADVANCES AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]A. i) Bills purchased & discounted 4321382 4803417

ii) Cash credits, overdrafts and loans repayable on demand 179853971 160488534

iii) Term Loans 388215313 349015909

Total 572390666 514307860B. i) Secured by tangible assets

includes advances against Book Debt) 448369357 398260595

65652978 55689694

iii) Unsecured 58368331 60357571

Total 572390666 514307860C. ADVANCES IN INDIA

i) Priority Sector 155920233 139900130

ii) Public Sector 153507860 127844627

iii) Banks 3300871 471810

iv) Others 259661702 246091293

Total 572390666 514307860


SCHEDULE 10-FIXED ASSETS AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]I. Premises

Cost [Opening Balance] 717858 286161

Appreciation in cost on account of revaluation 7666013 7666013

Sub-Total 8383871 7952174Additions during the year

Original Cost 105856 431697

Revaluation Cost 8545278 0

Deductions during the year on



okLrfod ykxr ij 105856 431697

iquewZY;u ykxr ij 8545278 0

o"kZZ ds n©jku dV©fr;ka

okLrfod ykxr ij 0 0

iquewZY;u ykxr ij &7666013 0

?kVk,a& v|frr fnukad d¨ ewY;gzkLk

okLrfod ykxr ij &201028 &159906

iquewZY;u ykxr ij &273688 &600313

2-½ vU; LFkk;h vkfLr;k¡ ¼bLkesa QuÊpj v©j tqM+ukj LkfEefyr gSa½

ewY; ¼vFk 'ks"k½ 2487771 2119415

o"kZ ds n©jku ifjo/kZu 613756 420967

o"kZZ ds n©jku dV©fr;k¡ &56549 &52611

v|ru ewY;gzkLk &1948104 &1670142

¼000 d¨ N¨Mdj½

I. vardkZ;kZy; lek;kstu ¼fuoy½ 0 0

I. Á¨n~Òwr C;kt 5612110 4026688

II. vfxze :i Lks LkanŸk@lz¨r ij dkVk x;k dj

3361796 3157252

III ys[ku Lkkexzh v©j LVkEi 44260 30484

IV. nko¨a dh Lkarqf"V esa ÁkIr dh xbZ xSj cSaddkjh vkfLr;ka

0 0

V. vU; 7466050 8598553

¼000 d¨ N¨Mdj½

I. cSad fo#) ,sLks nkos ftUgsa _.k ds :i esa Lohdkj ugÈ fd;k x;k gS

38279 33669

II.va'kr% ÁnŸk fuos'k¨a ds fy, ns;rk 0 0

III. cdk;k ok;nk fons'kh fofue; Lkafonkvksa ds fy, ns;rk 71049040 50456175

d½ Òkjr esa 20753830 22681745

[k½ Òkjr ds ckgj 0 0

V. Lohd`fr;k¡] i`’Bkadu rFkk vU; ck/;rk,a 3671688 4334366

VI vU; ensa] ftuds fy, cSad vkdfLed :i Lks mŸkjnk;h gS 4777881 2610660

¼000 d¨ N¨M+dj½


Punjab & Sind Bank

Original Cost 0 0

Revaluation Cost 0

Less Depreciation to date on

Original cost

Revaluation cost

Total I 8930276 7623652II. Other Fixed Assets

(including Furniture & Fixtures)

Cost [Opening Balance] 2487771 2119415

Additions during the year 613756 420967

Deductions during the year

Depreciation to date

Total II 1096874 817629 TOTAL I & II 10027150 8441281

(000’S OMITTEDRs. Rs.

SCHEDULE 11 - OTHER ASSETS AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

0 0

II. Interest accrued 5612110 4026688

3361796 3157252

IV. Stationery & Stamps 44260 30484

V. Non Banking assets acquired in satisfaction of claims 0 0

VI. Others 7466050 8598553

TOTAL 16484216 15812977


SCHEDULE 12-CONTINGENT LIABILITIES AS ON

31.03.14 [Audited]

AS ON

31.03.13 [Audited]

I. Claims against the bank not acknowledged as debts 38279 33669

II. Liability for partly paid investments 0 0

III. Liability on account of outstanding forward exchange contracts 71049040 50456175

IV. Guarantees given on behalf of Constituents:

a.In India 20753830 22681745

b.Outside India 0 0

V. Acceptances, Endorsements and other obligations 3671688 4334366

VI. Other items for which the bank is contingently liable 4777881 2610660

TOTAL 100290718 80116615


SCHEDULE 13-INTEREST EARNED YEAR ENDED 31.03.14

[Audited]

YEAR ENDED

31.03.13 [Audited]59776705 57095047



II-fuos’kä ij vk; 18801850 15792268III-Òkjrh; fjt+oZ cSad ds vfr'ks"käv©j vU; vUrj cSad fuf/k;ä ij C;kt

820314 299803

IV vU; 328196 214125

¼000 d¨ N¨Mdj½

I deh'ku] fofue; v©j nykyh 745335 798087II fuos'kä ds foØ; ij ykÒ ¼fuoy½ 1253713 629814III Òwfe] Òou rFkk vkfLr;ä ds foØ; ij ykÒ ¼fuoy½ 1505 1239IV fofue; ysu&nsu ij ykÒ ¼fuoy½ 349042 333013V- fofo/k vk; 1923213 2180016

¼000 d¨ N¨Mdj½

I tekjkf'k;ä ij C;kt 61166001 54247378 II Òkjrh; fjt+oZ cSad@varj cSad m/kkjä ij C;kt

587866 943531

III vU; 1767375 1800112

¼000 d¨ N¨Mdj½

I deZpkfj;ä d¨ Òqxrku v©j Áko/kku 8562324 7735134II fdjk;k] dj v©j j¨'kuh 880003 678421III eqæ.k ,oa ys[ku Lkkexzh 87635 72359 IV foKkiu v©j Ápkj 21709 80928V cSad dh LkEifr ij ewY;gzkLk 603320 496905 dVkSrh % iquewZY;u vkjf{kr fuf/k ls varj.k 237688 229372

365632 267533VI funs'kdä dk 'kqYd] ÒŸ¨ v©j O;; 4088 2952VII ys[kk ijh{kdä dh QhLk v©j O;; ¼bLkesa 'kk[kk ys[kk ijh{kdä dh QhLk v©j O;; 'kkfey gSa½

86112 70850

VIII fof/k ÁÒkj 105015 81121IX Mkd [kpZ] rkj v©j VsyhQü vkfn 87858 81845X ejEer v©j vuqj{k.k 145648 127055XI chek 694578 620739XII vU; O;; 1432610 1144963


Punjab & Sind Bank

II. Income on investments 18801850 15792268

III. Interest on balances with Reserve Bank of India and 820314 299803

IV. Others 328196 214125

TOTAL 79727065 73401243

000’S OMITTED)Rs. Rs.

SCHEDULE 14-OTHER INCOME YEAR ENDED 31.03.14 [Audited]

YEAR ENDED 31.03.13 [Audited]

I. Commission, exchange and brokerage 745335 7980871253713 629814

1505 1239

349042 333013

V. Miscellaneous Income 1923213 2180016

TOTAL 4272808 3942169

(000’S OMITTED)

Rs. Rs.SCHEDULE 15-INTEREST EXPENDED YEAR ENDED

31.03.14 [Audited]YEAR ENDED

31.03.13 [Audited] I. Interest on deposits 61166001 54247378

borrowings 587866 943531

III. Others 1767375 1800112

TOTAL 63521242 56991021


SCHEDULE 16-OPERATING EXPENSES YEAR ENDED

31.03.14 [Audited]

YEAR ENDED

31.03.13 [Audited]I. Payments to and provisions for employees 8562324 7735134

II.Rent, taxes and lighting 880003 678421

III.Printing and stationery 87635 72359

IV.Advertisement & publicity 21709 80928

V.Depreciation on Bank’s property 603320 496905

Less: Transfer from Revaluation Reserve 237688 229372

365632 267533VI.Directors’ fees, allowances and expenses 4088 2952

VII.Auditors’ fees and expenses (including branch auditors’ fee & expenses) 86112 70850

VIII.Law Charges 105015 81121

IX.Postages, Telegrams, Telephones etc. 87858 81845

X.Repairs & maintenance 145648 127055

XI.Insurance 694578 620739

XII.Other expenditure 1432610 1144963

TOTAL 12473212 10963900



vuqLkwph & 17Áeq[k ys[kk uhfr;k¡

1- lkekU;

ewy&Òwr vk/kkj

foŸkh; fooj.kksa d¨ ys[kk mip; vk/kkj ij ,sfrgkfLkd ykxr ijEijk tgk¡ vU;Fkk Li’V u fd;k x;k g¨ ,oa LkkekU; :i Lks LohÑr ys[kk fLk)krksa] cSaddkjh fofu;eu vf/kfu;e] 1949 ds varxZr fu/kkZfjr Lkkafofèkd vko”;drkvksa] Lke;&Lke; ij Òkjrh; fjt+oZ cSad }kjk tkjh ifji=ksa ,oa fn”kk&funsZ”kksa rFkk daifu;ksa }kjk vfèkLkwfpr ys[kk ekudksa ¼ys[kk ekinaMksa½ fu;eksa]2006 Òkjr esa cSafdax m|¨x esa ykxw v©j orZeku dk;Zdykiksa ds vk/kkj ij rS;kj ,oa ÁLrqr fd;k x;k gSA

2- fons’kh fofue; ysu&nsu2-1 fons'kh eqækvksa okyh LkeLr e©fæd vkfLr;ksa rFkk ns;rkvksa dk Òkjrh; :i, esa ifjorZu rqyu&i= dh fnukad d¨ ykxw fofue;

njksa ij fd;k x;k gS] ftUgsa Òkjrh; fons”kh fofue; O;kikjh Lka?k ¼QSMkbZ½ }kjk vf/kLkwfpr fd;k x;k FkkA bLkds ykÒ&gkfu dh x.kuk ykÒ&gkfu [kkrs esa dh xbZ gSA

2-2 cdk;k fons”kh eqæk Lk©ns d¨ Lk©ns dh frfFk d¨ Ápfyr fofue; nj ds vuqLkkj fd;k x;k gSA ,sLks Lk©nksa esa ykÒ ;k gkfu dh Lkax.kuk QSMkbZ ds }kjk nh xbZ njksa ij rFkk QSMkbZ ds fn”kk&funsZ”kksa rFkk ,-,Lk- 11 ds iSjk 38 ds Áko/kkuksa ds vuqLkkj dh xbZ gSA

2-3 fons”kh fofue; ysu&nsu Lks Lkacaf/kr vk; ,oa O;; enksa d¨ dkj¨ckj ds fnu ykxw fofue; njksa ij ifjofrZr fd;k x;k gSA

2-4 LohÑfr] i`’Bkadu rFkk vU; nkf;Roksa ij vkdfLed ns;rk,a] fons”kh eqæk xkjaVh ,oa Lkk[k i= dk ewY;kadu QSM+kbZ }kjk okf"kZd Lkaoj.k dh fnukad d¨ tkjh njksa ij fd;k x;k gS tcfd Lkekgj.k ds fy, fcyksa d¨ ÁLrqfrdj.k ds Lke; vuqekfur njksa ij ys[kkc) fd;k x;k gSA

3- fuos’k

3-1 fuos'k Lks Lkacaf/kr oxÊdj.k rFkk ewY;kadu d¨ Òkjrh; fjt+oZ cSad }kjk fu/kkZfjr foosd”khy ekunaMksa ds vuq:i fd;k x;k gS t¨fd Òkjrh; fjt+oZ cSad }kjk fn, x, Li’Vhdj.kksa@fn”kk&funsZ”kksa ds vuq:i gSA

3-2 LkeLr fuos”k LkafoÒkx d¨ rhu Òkxksa esa oxÊÑr fd;k x;k gS tSLks ÞifjiDork rd j[kukß ÞfcØh ds fy, miyCèkß rFkk ÞO;kikj gsrq j[kukß t¨fd Òkjrh; fjt+oZ cSad ds fn”kk&funsZ”kksa@funsZ”kksa ds vuq:i gSA bu rhuksa ox¨± ds varxZr fuos'kksa dk ÁdVhdj.k fuEukafdr Ng oxÊdj.kksa ds vuq:i fd;k x;k gS %

i. Lkjdkjh ÁfrÒwfr;k¡ii. vU; vuqe¨fnr ÁfrÒwfr;k¡iii. “ks;j (va”k )iv. _.ki= (fMcsUpLkZ) rFkk ckW.Mv. Lkgk;d bZdkb;k¡@Lka;qä miØe rFkk vi. vU;

3-3 oxÊdj.k dk vk/kkj %i. ,sLks fuos”k ftUgsa cSad ifjiDork rd j[kus dk bjknk j[krk g¨ d¨ ÞifjiDork rd j[kukß ds :i esa oxÊÑr fd;k x;k gSA ii. ,sLks fuos”k ftUgsa [kjhnus dh rkjh[k Lks 90 fnuksa ds Òhrj LkS)kafrd :i Lks iqu: foØ; ds fy, j[kk g¨] d¨ ÞO;kikj ds

fy, j[kusß ds :i esa oxÊÑr fd;k x;k gSAiii. ,sLks fuos' k t¨ mä n¨uksa Jsf.k;ksa esa oxÊÑr ugÈ g¨rs] d¨ ÞfoØ; ds fy, miyC/kß ds :i esa oxÊÑr fd;k x;k gSAiv. fuos”kksa d¨ [kjhnrs Lke; mä rhuksa Jsf.k;ksa esa oxÊÑr fd;k tkrk gSA ,d oxZ Lks nwLkjs oxZ esa ÁfrÒwfr;ksa dk varj.k

LkkekU;r@c¨MZ ds vuqe¨nu Lks o’kZ esa ,d ckj fd;k tkrk gSA varj.k dh frfFk d¨ vf/kxzg.k ykxr Lks de ewY;@cghewY;@cktkj ewY; ij varfjr fd;k x;k gS rFkk bLk Ádkj ds varj.k ij ewY; gkzLk ij Ákoèkku iw.kZr;k fd;k x;k gS v©j ÁfrÒwfr;ksa ds cgh ewY;ksa esa rnuqLkkj ifjorZu fd;k x;k gSA

3-4 ÁfrÒwfr;k¡ ftUgsa ÞifjiDork rd j[kuk gSß dk vf/kxzg.k ykxr ewY; ij fy;k x;k gSA ;fn ykxr ewY; vafdr ewY; Lks vf/kd gS r¨ Áhfe;e Lor% ifjiDork dh “ks’k vof/k ds Òhrj ifj”k¨/kuh; gSA ,sLks ifj”k¨/ku d¨ vuqLkwph 13 en II esa Þfuos”kksa ij vk;ß “kh’kZ ds varxZr n”kZ;k x;k gSA tgk¡ ykxr ewY; Áfrnku ewY; Lks de gSa] ogk¡ varj oLkwyh ;¨X; u g¨us ds dkj.k bLk vk; d¨ ugÈ fy;k x;k gSA Lkgk;d bZdkb;k¡ rFkk Lka;qä miØe ds fuos”k ds ewY; esa vLFkk;h r©j ij vkbZ deh ds fy, ÁR;sd fuos'k gsrq vyx&vyx fy;k x;k gSA

3-5 ÞfcØh gsrq miyC/kß [kkrs ds varxZr ÁfrÒwfr;ksa dk ewY;kadu fLØi&okj fd;k x;k gS rFkk g~kLk@o`f) d¨ Js.kh&okj i`Fkd fd;k x;k gSA 'kq) o`f) d¨ 'kkfey ugÈ fd;k x;k gS tcfd ÁR;sd Js.kh esa 'kq) gzkLk dk Áko/kku fd;k x;k gSA


Punjab & Sind Bank

SCHEDULE-17SIGNIFICANT ACCOUNTING POLICIES

1. GENERAL BASIS OF PREPARATION

2. Foreign Exchange Transactions

3. Investments



3-6 ^^O;kikj gsrq j[kh xbZ ÁfrÒwfr;ksa** dk ewY;kadu cktkj ewY; ij fd;k x;k gS ,oa ÁR;sd oxZ esa 'kq) ewY;gzkLk yxk;k x;k gS rFkk 'kq) o`f)] ;fn d¨bZ gS] d¨ 'kkfey ugÈ fd;k x;k gSA

3-7 fuos'kksa dh ykxr oxZ ds vuq:i Òkfjr v©Lkru ykxr fof/k ij vk/kkfjr gSA3-8 ^^fcØh gsrq miyC/k” ,oa “ O;kikj gsrq j[kh xbZ ÁfrÒwfr** Js.kh ds vUrxZr ÁfrÒwfr;ksa ds fuos'k ewY; d¨ “cktkj nj “fu/kkZj.k gsrq

LVkWd ,DLkpstksa ij fn, x, Òko njksa ds vuq:i Òkjrh; fjt+oZ cSad dh ewY; Lkwph] Ákbejh MhyLkZ ,Lk¨fLk,'ku vkWQ bafM;k ¼ih-Mh],]vkb½ dh fQDLkM bUde euh ekfdZV ,aM MsfjosfVo ,Lk¨fLk,'ku vkWQ bafM;k ¼fQEMk½ ds LkkFk Lka;qä :i Lks fu/kkZfjr fd, x, ewY;ksa ds vuq:i fd;k x;k gSAvoxÊÑr fuos’kksa ds Lkaca/k esa fuEu ÁfØ;k viukbZ xbZ gS%

d- Òkjr Lkjdkj dh ÁfrÒwfr;k¡ % fQEMk@ihMh,vkbZ }kjk nh xbZ njksa ijA

[k- jkT; Lkjdkj _.k] vU; vuqe¨fnr ÁfrÒwfr;k¡] vf/keku 'ks;jksa] _.k i=ksa rFkk ih.,Lk.;w-ck.M ij ykÒ

fQEMk@ihMh,vkbZ }kjk nh xbZ njksa ds vuq:i ifjiDork ds vk/kkj ij t¨fd ihMh,vkbZ@fQEMk ,oa Òkjrh; fjtoZ cSad }kjk fu/kkZfjr fd, x, gSaA

x- bfDoVh 'ks;LkZ % uohure rqyu&i= ij vk/kkfjr czsd-vi ewY; vkèkkj ij] t¨ fd ewY;kadu dh frfFk ij ,d o"kZ Lks iqjkuh ugÈ gSA ,sLks Ádj.kksa esa tgk¡ ij uohure rqyu&i= miyC/k ugÈ gS 'ks;jksa dk ewY; 1@& :i;s Áfr dEiuh ekuk x;k gSA

?k- E;qpqvy QaM ;wfuV~Lk% iqu% Ø; ewY; ij ;k 'kq) vkfLr ewY; ijA

M- Vªst+jh fcy] okf.kfT;d i=] tek Áek.k&i=] iqu%iwathxr ck.M] Lkgk;d Lka;qä miØe rFkk Ák;¨ftr LkaLFkku%

'kq) ykxr ijA

3-9 fuos’kksa ds vf/kxzg.k ewY; dk fu/kkZj.k %

d- vfÒnku ds Lke; ÁkIr Á¨RLkkgu d¨ ÁfrÒwfr;ksa dh ykxr Lks ?kVk;k x;k gSA

[k- ÁfrÒwfr;ksa ds vf/kxzg.k ij O;; dh xbZ czksdjst@deh'ku@ LVkai M~;wVh d¨ jktLo O;; esa fy;k x;k gSA

x- fuos'kksa ds vf/kxzg.k ij fn, [kafMr vof/k ds ÁnŸk C;kt d¨] ;fn d¨bZ g¨] ykÒ-gkfu [kkrs ds ukes Mkyk x;k gSA ÁfrÒwfr;ksa dh fcØh ij ÁkIr [kafMr vof/k ds C;kt d¨ C;kt vk; ekuk x;k gSA

3-10 fuos'kksa dh fcØh Lks ykÒ&gkfu d¨ ykÒ ,oa gkfu [kkrs esa fy;k x;k gSA fQj Òh ]^^ifjiDork rd j[kuk** Js.kh esa fuos'kksa dh fcØhLks vk; ij ykÒ dh fLFkfr esa bLkds LkerqY; ykÒ jkf'k d¨ vkjf{kr iw¡th esa fofu;¨ftr fd;k x;k gSA

3-11 xSj & fu"ikfnr fuos'k %

xSj & fu"ikfnr ÁfrÒwfr;ksa ds Lkaca/k esa vk; dh igpku ugÈ dh xbZ gS rFkk ,sLkh ÁfrÒwfr;ksa ds ewY; esa Òkjrh; fjt+oZ cSad ds fn'kk&funsZ'kkuqLkkj ewY;gzkLk ds fy, mi;qä Áko/kku fd;s x;s gSaA

4- vfxze4-1 Òkjrh; fjt+oZ cSad }kjk fu/kkZfjr foosdiw.kZ ekunaMksa ds vuqLkkj vfxzeksa dk oxÊdj.k fu"iknd rFkk xSj&fu"ikfnr vkfLr;ksa esa fd;k

x;k gSA cSad us Hkkjrh; fjt+oZ cSad ds }kjk fu/kkZfjr foosdiw.kZ ekunaMksa ds vuqlkj xSj&fu’ikfnr vkfLr;ksa ij izko/kku cuk, gSaA

vkfLr;ksa dh Js.kh izko/kku ekunaM

voekud

vkjf{kr _.kkksa ij 15%]* XkSj&vkjf{kr _.kksa ij 25%* xSj&vkjf{kr _.kksa dk 20%vk/kkjHkwr _.k [kkrksa ds laca/k esa] tgk¡ fuf”pr laj{k.k tSls fd fuyac [kkrs miyC/k gSa

LkafnX/k-I tekurh _.k ij 25%xSj&tekurh _.k ij 100%

LkafnX/k-II tekurh _.k ij 40%xSj&tekurh _.k ij 100%

LkafnX/k-III tekurh _.k ij 100% xSj tekurh _.k ij 100%

gkfu cqd cdk;k dk 100%


Punjab & Sind Bank

3.11 Non Performing Investments

4. Advances

Category of Assets Provision norms



* xSj&tekurh _.kksa dks ,sls _.k ifjHkkf’kr fd;k x;k gS tgk¡ cSad }kjk@vuqeksfnr ewY;kadd@Hkkjrh; fjt+oZ cSad ds fujh{k.k vf/kdkfj;ksa }kjk vkjaHk ls gh izfrHkkwfr dk ewY; _.k ls 10 izfr”kr ls vf/kd ugha gSA

4-2 vfxzeksa d¨ xSj&ekU;rk 'kq) C;kt ij of.kZr fd;k x;k gS rFkk vuqiz;¨T; vfxzeksa ij Áko/kkUk@rduhdh cÍs [kkrs ds vk/kkj ij fd;k x;k gSA Mh-vkbZ-Lkh-th-Lkh-@bZ-Lkh-th-lh- ls ÁkIr nkoksa d¨ muds Lkek;¨tu@rduhdh :i Lks cÍs [kkrs Mkyus rd bLk Ádkj ds vfxzeksa esa Lks de ugÈ fd;k x;k gSA tcfd ,uih, [kkrksa esa vkaf'kd oLkwyh d¨ vfxzeksa esa Lks ?kVk;k x;k gSA

4-3 ekud vfxzeksa ij Áko/kku fd;k x;k gS rFkk mUgsa Òkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuqLkkj "vU; nkf;Roksa rFkk Áko/kku” 'kh"kZ ds varxZr j[kk x;k gSA

4-4 vfxzekas dh Hkqxrku vuqlwph iqu% cukus@iqu% fu/kkZfjr djus gsrq Hkkjrh; fjt+oZ cSad ds fn”kk&funsZ”kkuqlkj izkoèkku fd;k x;k gSA

5- vLFkk;h Áko/kkuÒkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuq:i] cSad ds ikLk vfxzeksa ,oa fuos'kksa gsrq vLFkk;h Áko/kkuksa d¨ vyx Lks cukus v©j mi;¨x ds fy, ,d vuqe¨fnr uhfr gSA ÁR;sd foŸkh; o"kZ dh LkekfIr ij, cuk, tkus okys vLFkk;h Áko/kkuksa dk vkdyu fd;k tk,xkA Òkjrh; fjt+oZ cSad dh iwoZ vuqefr Lks] vLFkk;h Áko/kkuksa dk mi;¨x fo'ks"k ifjfLFkfr;ksa esa vkdfLedrkvksa gsrq fd;k tk,xkA

6- vpy vkfLr;k¡ %6-1 ifjLkj rFkk vU; vpy vkfLr;ksa d¨ ijaijkxr ykxr iwuewZY;u [kkrksa esa fy;k x;k gSA ifjLkj ftuesa Òwfe rFkk Åijh Òkx esa vUrj

fd;k tkuk LkEÒo ugÈ Fkk] dks Åijh Òkx ds ewY; esa o`f) d¨ 'kkfey fd;k x;k gSA

6-2 LFkkbZ iÍs ij fy;s x, ifjLkjksa d¨ iw.kZ LokfeRo okyk ifjLkj ekuk x;k gSA

7- vpy vkfLr;ksa ij ewY;gzkLk %7-1 ewY;gzkLk fuEukuqLkkj yxk;k x;k gS %7-1-1 daI;wVj ij Lkh/kh dV©rh Á.kkyh ds vuqLkkj 33-33 Áfr'kr ifjo/kZu ij iwjs o"kZ dk ewY;gzkLk yxk;k x;k gS pkgs Òkjrh; fjt+oZ cSad

ds fn'kk&funsZ'kksa vuqLkkj ifjo/kZu dh t¨ Òh frfFk gÄ7-1-2 vk;dj vf/kfu;e] 1961 }kjk fu/kkZfjr njksa ds vuqLkkj vU; vpy vkfLr;ksa ij ewY;gzkLk ?kVrh dher i)fr ij yxk;k x;k

gSA 30 fLkrEcj Lks iwoZ güs okys ifjo/kZu ij iwjs o"kZ dk ewY;gzkLk yxk;k x;k gS rFkk bLkds i'pkr~ güs okys ifjo/kZu ij vk/kso"kZ dk ewY;gzkLk yxk;k x;k gSA

7-1-3 tgk¡ dgÈ Òou ds Åijh Òkx Lks 'ks"k Òwfe dk ewY; iFkd djuk LkaÒo ugÈ Fkk] ogk¡ ifjLkjksa dk ewY; LkfEeJ ewY; ij fy;k x;k gSA7-2 o"kZ ds n©jku csph xbZ@fuiVkbZ xbZ vkfLr;ksa ij d¨bZ Áko/kku ugÈ fd;k x;k gSA7-3 vkfLr;ksa esa güs okys iquewZY;u ds ewY;gzkLk ds cjkcj dh jkf'k d¨ iquewZY;u Lkap;h [kkrs Lks ykÒ&gkfu [kkrs esa varfjr dj fn;k x;k gSA

8- jktLo ekU;rk % 8-1 tgk¡ vU;Fkk of.kZr u g¨] vk; v©j [kp¨Za d¨ mip; vk/kkj ij fy;k x;k gS A8-2 Òkjrh; fjt+oZ cSad }kjk fu/kkZfjr foosdiw.kZ ekun.Mksa ds vuqikyu esa vuqiz;¨T; vkfLr;ksa ij güs okyh vk; dk ewY;kadu oLkwyh

vk/kkj ij fd;k x;k gSA8-3 vuqiz;¨T; [kkrksa esa vkaf'kd oLkwyh Lks igys ewy jkf'k rFkk mLkds i'pkr C;kt d¨ Lkek;¨ftr fd;k x;k gSA8-4 xkjafV;ksa rFkk tkjh Lkk[k&i=ksa Lks vk;, ykWdj fdjk;k] epZsaV cSafdax] ysu&nsu Lks vk;] eqæk&varj.k lsok] va'kksa ij ykHkka”k] vk;dj

dh okiLkh ij C;kt] ØsfMV dkMZ deh”ku] vfrns; fcyksa ij C;kt] izkslsfLkax QhLk] Lkjdkjh ysu&nsu ftLkesa isa'ku ds Lkaforj.k rFkk E;wpqvy Q.M mRikn ds ;wfuVksa dh vk; 'kkfey gS] dh Lkax.kuk d¨ ÁkfIr vk/kkj ij fy;k x;k gSA

8-5 _.k [kkrksa ds iw.kZ :i Lks Lkek;¨ftr güs ds Lke; [kkrksa ds Lkek/kku ij nh xbZ NwV d¨ [kkrksa esa fy;k x;k gSA8-6 vfrns; Lkkof/k tek jkf'k;ksa ij C;kt dh x.kuk cpr cSad tek [kkrs ij ykxw C;kt nj ij dh xbZ gSA8-7 iÍk djkj ds uohdj.k ij o`f)'khy iÍk fdjk, ds Lkaca/k esa ns;rk dh x.kuk iÍs ds uohdj.k ds Lke; dh xbZ gSA8-8 fV;j-II iwath esa m™;u ds dkj.k ck.M tkjh djus Lkaca/kh O;;ksa d¨ vkLFkfxr jktLo O;; ekuk x;k gS ftUgsa ikap o" kZ dh vof/k esa

cÍs [kkrs Mkyk tkuk gSA8-9 'ks;j fuxZe O;;ksa d¨ 'ks;j Áhfe;e [kkrs Lks Lkek;¨ftr fd;k x;k gSA

9- deZpkjh Lksok fuo`fRr ykÒ%9-1 xzsP;qVh QaM] is'ku QaM rFkk vodk'k udnhdj.k QaM esa okf"kZd va'knku dk Áko/kku chekafdd ewY;kadu ds vkèkkj ij fd;k x;k gSA

9-2 orZeku deZpkfj;ksa ftUgkasus igys isa'ku dh LohÑfr ugh nh Fkh] gsrq isa'ku fodYi ds iqu% [kÿus ij vfrfjä ns;rk rFkk Òkjrh; fjt+oZ cSad ds ifji= fnukad 9 Qjojh] 2011 Lka. Mhchv¨Mh ua.chih.chLkh. 80/21.04.018/2010&11 dh 'kr ± ds vuqLkkj] ^^xzsP;qVh ,DV] 1972** dk Òqxrku] esa Lka'k¨/ku, xzsP;qVh dh Lkhek :. 10 yk[k, chekafdd ewY;kadu ds vuqLkkj ik¡p o”kZ dh vof/k t¨ fd foŸkh; o"kZ 2010&11 Lks vkjaÒ g¨xh] ifj'k¨f/kr dj nh gSA vxzsf’kr xSj&ifj'k¨f/kr O;; esa fudkys x,/Lksokfuor dkfeZdksa dh d¨bZ jkf'k LkfEefyr ugha gSA


Punjab & Sind Bank

5 Floating Provisions

6 Fixed Assets

7 Depreciation on Fixed Assets

8 Revenue Recognition



9-3 fnukad 01-04-2010 ;k mLkds ckn LkfEefyr deZpkfj;ksa d¨ U;w isa'ku ;¨tuk esa “kkfey fd;k x;k gSA

10- vk; ij dj % 10-1 pkyw vk; dj d¨ ykxw dj&njksa rFkk fof/kd fu.kZ;ksa@ijke'kZ gsrq nh tkus okyh jkf’k ds vk/kkj ij vkadk x;k gSA

10-2 ,,l 22 & vkLFkfxr-&dj vuqLkkj bLk vof/k dh vk; x.kuk rFkk dj ;¨X; vk; ds chp esa Lke; varj ds dkj.k dj &ifjdyu ij iM+s ÁÒko d¨ 'kkfey fd;k x;k gS rFkk vkLFkfxr dj&vkfLr;ksa ds Lkaca/k esa bLkdk ewY;kadu ;Fk¨fpr ÁfrQy d¨ /;ku esa j[k dj fd;k x;k gSA

vuqLkwph- 18

ys[kksa Lks Lkacaf/kr fVIif.k;k¡

1- cfg;ksa ds 'ks"k feyku v©j mudk Lkek;¨tu

1-1 dqNsd 'kk[kkvksa esa Lkgk;d cgh [kkrk 'ks"kksa ds LkkFk fu;a=d [kkrksa ds 'ks"k feyku@Lkek;¨tu dh ÁfØ;k py jgh gSA

1-2 var“kkZ[kk [kkrksa ¼vkbZchvkj + MhMh½ esa cdk;k Áfof’V;ksa ds MsfcV&ØsfMV dk vkjafÒd feyku ftLks vardkZ;kZy; Lkek;¨tu esa 'kkfey djds bLk dk;Z ¼ftLkesa cdk;k Áfof’V;k¡a 'kkfey gSa½ d¨ 28-02-2014 rd fd;k x;k gS v©j bLkdk Lkek;¨tu dk;Z py jgk gSA

1-3 Mªk¶Vksa@ns; VhVh] ns;@iznRr ykHkka”k okjaV] ÁkI;@ns; MsfcV u¨V] vkjVhth,Lk ¼mpar½ bR;kfn ds LkkFk [kkrksa dk Lkek;¨tu dk dk;Z py jgk gSA

Áca/ku dh jk; esa] ykÒ&gkfu [kkrs o rqyu&i= ij mä iSjk 1-1 Lks 1-3 dk ÁÒko ;fn d¨bZ gS r¨ ux.; g¨xkA

1-4 Òkjrh; fjt+oZ cSad ds fn'kk&funsZ'kksa ds vuq:i 30-9-2013 dh vof/k rd rFkk 31-3-2014 d¨ cdk;k var'kkZ[kk ds [kkrksa dh ukes rFkk tek Áfof’V;ksa d¨ vyx vyx djus dk dk;Z cSad }kjk fd;k x;k gS ftLkds ifj.kkeLo:i dqN 'kh"k¨± esa dqy MsfcV ;k vU; 'kh"käZ esa dqy tek 'ks"k gSA Ng eghuksa Lks vf/kd dh vof/k dh fuoy ukes Áfof’V;ksa ds Lkaca/k esa Áko/kku fd, x, gaSA

var“kkZ[kk [kkrk esa fuoy tek “ks’k ugha gS] blfy, izko/kku dh vko”;drk ugha gSSA

1-5 vLkek;¨ftr u¨LVªä [kkrksa dh dqy fuoy tek d¨ fnukad 31 ekpZ 1996 dh fLFkfr ds vuq:i :- 3-69 dj¨M+ ¼fiNys o"kZ :- 3-48 dj¨M+½ d¨ vo:} u¨LVª¨ fofo/k nsunkj [kkrksa esa varfjr dj fn;k x;k gSA ftLkesa Lks :- 1-77 dj¨M+ d¨ 14-11-1989 dh vof/k Lks igys ds cgh ewY; ij fy;k x;k gSA 01 vÁSy 1996 ds i'pkr~ dh vof/k ds fy, 3 o"k¨± Lks vf/kd gsrq cdk;k :- 4-63 dj¨M+ dh jkf'k ¼iwoZ o"kZ :- 3-99 dj¨M½ d¨ vLkek;¨ftr Áfof’V;ksa Lks vyx dj mUgsa vnkoh tek ¼u¨LVª¨½ [kkrs esa j[kk x;k gSA

2-1 fnukad 31-03-2014 dh fLFkfr ds vuqlkj :-3-47 dj¨M+ dh okLrfod ykxr dh 5 cSadksa dh LkaifŸk;ksa ds Lkaca/k esa fof/kd v©ipkfjdrk,a vÒh iwjh güh 'ks"k gSA ¼fiNys o"kZ 7 LkaifŸk;ka 15-18 dj¨M+ dh Fkh ½

2-2 laifRr;ksa dk iquewZY;kaduo’kZ ds nkSjku cSad us Lora= ;ksX; ckgjh ewY; fu/kkZjdksa dh ewY;kadu fjiksVZ ds vk/kkj ij vius ifjlj] ftlesa Hkwfe o Hkou “kkfey gSa] ds :- 916-80 djksM+ dk iquewZY;kadu fd;k gS tks fd 82-37 djksM+ dh ,ot+ esa gSa ¼vofyf[kr ewY; :- 62-27 djksM+½ ifj.kkeLo:i 854-53 djksM+ dh o/kZeku jkf”k LFkkbZ vkfLRk;ksa dks MsfcV dj iquewZY;kadu fjt+oZ dks dzsfMV fn;k x;k gSA

3- iwath % orZeku o"kZ ds n©jku lsch vkbZlhMhvkj fofu;eu ds vuqlkj Hkk-fj-cSad@,evks,Q ls vko”;d Lohd`fr izkIr djus ds ckn, cSad us :- 10@- okys 'ks;j ds 2]12]63]023 bfDoVh 'ks;jksa dk vkcaVu Hkkjr ljdkj dks :- 47-03 izfr “ks;j ds vuqlkj vf/keku “ks;j ds :i esa vkcafVr fd,A rnuqlkj cSad dh bfDoVh “ks;j iwath :-21-26 djksM+ ls c<+h vkSj vc ;g :-275-28 djksM gks xbZ vkSj “ks;j izhfe;e :-78-52 djksM+ ls c<+dj ¼izkIr “ks;j izhfe;e :-78-74 djksM+ ?kVk “ks;j tkjh O;; :-0-22 djksM+) :-703-98 djksM+ gks x;k gSA

¼:i, dj¨M+ esa½

Eknsa 2013–14 2012–13

Lkh vkj , vkj fV;j&I iwath ¼ckly&II½ 8.10% 8.38%

Lkh vkj , vkj fV;j&II iwath ¼ ½ ¼ckly& II½ 4.00% 4.53%


Punjab & Sind Bank

10 Taxes on Income

SCHEDULE 18NOTES ON ACCOUNTS

2.2 Revaluation of properties

3. Capital

(Rupees. in crore)



dqy Lkh vkj , vkj ¼ckly& II½ 12.10% 12.91%

lkekU; bfDoVh fV;j&I iwath vuqikr ¼ckly&III½ 7.27% ykxw ugha

vfrfjDr fV;j&I iwath vuqikr ¼ckly&III½ 0.34% ykxw ugha

Lkh vkj , vkj&fV;j&I iwath vuqikr ¼ckly III½ 7.62% ykxw ugha

Lkh vkj , vkj&fV;j&II iwath vuqikr ¼ckly III½ 3.42% ykxw ugha

dqy iw¡th vuqikr¼lhvkj,vkj½ ¼ckly&III ½ 11.04% ykxw ugha

Hkkjr ljdkj ds “ks;j/kkjdksa dh izfr”krrk 81.42% 79.86%

vfrfjDr bfDoVh iw¡th dh jkf”k 100 140

vfrfjDr fV;j&I iwath vuqikr dh jkf”k ftlesa ls ih,ulhih,l %vkbZihMhvkbZ %

“kwU; “kwU;

vfrfjDr fV;j&II iwath vuqikr dh jkf”k ftlesa ls _.k iw¡th fy[kr vf/kekuh “ks;j iw¡th fy[kr cseh;knh lap;h vf/kekuh “ks;j ¼ih-lh-ih-,l-½@izfrns; xSj&lap;h vf/kekuh “ks;j ¼vkj-,u-lh-ih-,l-½@izfrns; vf/kekuh “ks;j¼vkj-lh-ih-,l-½

“kwU; “kwU;

* 78-52 djksM+ :i;s 'ks;j izhfe;e lfgr

4-

4-1

fuos’k

fuos’kksa dk ewY;

¼:- dj¨M+ esa½Eknsa

fuos'kksa dk Lkdy ewY;

Òkjr esa

Òkjr Lks ckgj “kwU; “kwU;

ewY;gzkLk gsrq Áko/kku ¼,uih-,- Áko/kku Lkfgr½

Òkjr esa


fuos’kksa dk 'kq) ewY;

Òkjr esa


fuos'kksa esa ewY;gzkLk ds Áko/kkuksa esa ?kV&c<+ ¼,u-ih-,- ds Áko/kkuksa Lkfgr½

vFk 'ks"k

tek% o"kZ ds n©jku fd, x, Áko/kku

?kVk% o"kZ ds n©jku vf/kd fd, Áko/kkuksa d¨ cÍs [kkrs esa Mkyuk@iqujkadu

'ks"k

4-2 iqu: [kjhn/iqu: ÁfrofrZr ysunsu ¼vafdr ewY; dh “krksZa ij½

4-2-1 iqu: [kjhn/iqu: ÁfrofrZr ysunsu Áfof’V;ka¡ (Lkjdkjh ÁfrÒwfr;ka½

(:-+ dj¨M+ esa)

iqu% [kjhn ds varxZr csph xbZ ÁfrÒwfr;k¡ 225-00 694-00 176-89 380-00

iqu% ÁfrofrZr ds varxZr [kjhnh xbZ ÁfrÒwfr;¡k 75-00 275-00 1-71 “kwU;


Punjab & Sind Bank

* Including Share Premium Rs. 78.52 crores

4.4.1

InvestmentsValue of Investments

(Rupees in crore) Items 2013-14 2012-13

Movement of provision held towards depreciation on Investments (Including provision for NPAs)

Closing balance 52.50 47.76

4.2 Repo / Reverse Repo Transactions (in face value terms)

4.2.1 Repo / Reverse Repo Transactions (Government Securities)(Rupees in crore)



(:-+ dj¨M+ esa)

iqu% [kjhn ds varxZr csph xbZ ÁfrÒwfr;k¡ 'kwU; 'kwU; 'kwU; 'kwU;iqu% ÁfrofrZr ds varxZr [kjhnh xbZ ÁfrÒwfr;k¡

'kwU; 'kwU; 'kwU; 'kwU;

fuf/k ;k ÁfrÒwfr;ksa dh vko’;drk ds dkj.k ,Lk-th-,y- VªkaLQj QkeZ okiLkh dh Lka[;k 'kwU; 'kwU;

Òkjrh; fjt+oZ cSad d¨ pqdrk dh xbZ naM dh jkf' k 'kwU; 'kwU;

(:- + dj¨M+ esa)

¼1½ ¼2½ ¼3½ ¼4½ ¼5½ ¼6½ ¼7½i. LkkoZtfud miØe 2485-65 2429-70 'kwU; 2144-50 2144-50ii. foRrh; LkaLFkku 2325-12 2318-74 'kwU; 'kwU; 'kwU;iii. cSad 1200-15 142-03 'kwU; 'kwU; 'kwU;iv futh da- 619-19 564-27 'kwU; 46-13 1-03v. Lkgk;d@Lka;qDr miØe 0-65 0-65 'kwU; 'kwU; 'kwU;vi. vU; 21-37 4-15 'kwU; 'kwU; 'kwU;vii. ewY;gzkLk ds fy, j[ks Áko/kku

¼,uih, Lkfgr½51-65 'kwU; 'kwU; 'kwU;

dqy* 6600-48 'kwU;

(:- + dj¨M+ esa)

vFk 'ks"k 25-03 25-03o’kZ ds n©jku ifjo/kZu 34-01 'kwU;o’kZ ds n©jku dV©fr;k¡a 'kwU; 'kwU;bfr 'ks"k 59-04 25-03


Punjab & Sind Bank

4.2.2 Repo / Reverse Repo Transactions (Corporate Debt Securities)

Particulars MinimumOutstanding

MaximumOutstanding

Daily AverageOutstanding

Balance as on 31.03.2014

2013-14 2012-13

4.4 Non-SLR Investments Portfolio: Issuer Composition as on 31.03.2014

No Issuer Amount Extent of Private

Placement

Extent of 'Below Investment Grade’

Securities

Extent of 'Un-rated’ Securities

Extent of 'Unlisted’ Securities

Total * 6600.48

4.5 Movement of Non Performing Non SLR Investments

Particulars 2013-14 2012-13



4-6 O;qRifRRk;kao”kZ 2013&14 ds n©jku cSad us Áfrj{kk ;k O;kikfjd mÌs'; Lks d¨bZ Òh u;k O;qifŸk ysu&nsu ¼ok;nk nj Lke>©rk/C;kt nj vnyk-cnyh/fofue; O;kikj C;kt nj O;qRifŸk;k¡½ ugÈ fd;k gSA rnuqLkkj Òkjrh; fjt+oZ cSad ds fn'kk-funsZ'kksa ds vuqLkkj O;qRifŸk ysunsu ds Lkaca/k esa xq.kkRed o ek=kRed ÁdVhdj.k visf{kr ugÈ gSA

4-7 o"kZ ds n©jku iqu: Lkajfpr/iqu: vuqLkwfpr/iqu: ijØkfer fuos’k

(:- + dj¨M+ esa)

ekud vkfLr;ka¡ ftudh iquLkaZjpuk güh gS 'kwU; 'kwU;

voekud vkfLr;ka¡ ftudh iquLkaZjpuk güh gS 'kwU; 'kwU;

v'k¨/; vkfLr;k¡a ftudh iquLkaZjpuk güh gS 'kwU; 'kwU;

dqy vkfLr;ksa dh jkf’k ftudh iquLkajpuk güh gS 'kwU; 'kwU;

o"kZ ds n©jku cSad us 0-57 djksM+ ds ewY;gzkl ds mijkar ifjiDork rd j[kus* ls fcdzh gsrq miyC/k Js.kh* esa : 895 djksM+ ¼vafdrewY;½ dh izfrHkwfr;k¡ varfjr dh gSa rFkk ^fcdzh gsrq miyC/k Js.kh* ls ^îfjiDork rd j[kus** 'kh"kZ ds varxZr :- 1641-95 djksM+ varfjr fd, gSaA

o"kZ ds n©jku fcfØ;ksa dk ewY; v©j ,pVh,e Js.kh d¨/Lks ÁfrÒwfr;ksa dk varj.k, o"kZ ds vkjaÒ esa ,pVh,e Js.kh esa j[ks x, fuos'kksa ds ogh ewY; Lks 5% Lks vf/kd ugha gSA

5- vkfLr xq.koRrk

5-1 vuqiz;¨T; vkfLr;k¡ (:- + dj¨M+ esa)

¼i½ 'kq} vfxzeksa esa 'kq} ,u ih , ¼%½ 3-35 2-16

(ii) Áko/kku Lkekos'k vuqikr ¼ihLkhvkj½ ¼%½ 45-51 50-37

¼iii½ Lkdy ,u ih , esa ?kV&c<+

¼d½ vFk 'ks"k 1536-90 763-44

¼ [k½ o"kZ ds n©jku ifjo/kZu 1619-61 1093-60

¼x½ o"kZ ds n©jku deh 602-99 320-14

¼?k½ bfr 'ks"k 2553-52 1536-90

¼iv½ fuoy ,u ih , esa mrkj&p<+ko

¼d½vFk 'ks"k 1110-38 547-56

¼[k½ o"kZ ds n©jku ifjo/kZu 1345-55 883-50

¼x½o"kZZ ds n©jku deh 537-33 320-68

¼?k½ bfr 'ks"k 1918-60 1110-38

¼v½ ,u ih , Áko/kkuksa esa mrkj&p<+ko ¼ekud vkfLr;ksa ij Áko/kku d¨ N¨M+dj½

¼d½ vFk 'ks"k 412-56 206-44

¼[k½ tek% o"kZ ds n©jku Áko/kku 564-68 293-99

¼x½ ?kVk% vf/kd fd, Áko/kkuksa d¨ cÍs [kkrs

[email protected]

358-57 87-87

¼?k½bfr 'ks"k 618-67 412-56

5-2 [email protected].,e.,Lk.bZ./bZ.Lkh.th.Lkh. ds ik= nkos, nkf[ky rFkk iqu% nkf[ky nkos t¨ oS/k/oLkwyh ;¨X; gS, d¨ vfxzeksa gsrq Áko/kku ds fy, ÁfrÒwfr ds vk/kkj ij fopkj.kh; ekuk x;k gSA


Punjab & Sind Bank

4.6 Derivatives

4.7 Restructured / Rescheduled / Renegotiated - Investments during the year


Total amount of assets subjected to restructuring etc. Nil Nil

5. Asset Quality5.1 Non-Performing Assets

Items 2013-14 2012-13



5-3

iqu% Lk

ajfpr fd,

x,

[kkr

ksa dk fo

oj.

k

”k djksMksa esa½

1- foRrh;

o’kZ dh 1

vizSy

dks iqu

%lajfpr

[kkrs

¼ikjafHkd

vk¡d

M+s½

_f.k;ksa dh la-

77

3131

58

58

96

96

cdk;k jkf”k

120-83

120-83

216-53

216-53

5618

-91

5618

-91

5956

-27

5956

-27

izko/kku

10

-18

10-18

6-80

6-80

206-81

206-81

223-79

223-79

2-o’kZ ds n

kSjku u

, iqu

%lajfpr

[kkrs

_f.k;ksa dh la-

66

2727

3030

63

63

cdk;k jkf”k

306-92

306-92

68-48

68-48

2001

-42

2001

-42

2376

-82

2376

-82

izko/kku

47

-04

47-04

6-25

6-25

18-69

18-69

71-98

71-98

3-foRr

h;&o’kZ

ds nkSjku

iqu%lajfpr

ekud

dk mUu;u

_

f.k;ksa dh la-

cdk;k jkf”k

izko/kku

4-vfxze

iqu%lajfpr

ekud

tks

vkd

’kZd

mPp

izko/kku

ksa dks

jksdrs

gSa rF

kk@;k

foRr

&o’kZ ds v

ar esa

vfrfjDr

tksf[

ke Hkkj

rF

kk ;fn

vkxkeh

foRr

&o’kZ

ds izkjaHk

esa vfxze

iqu%lajfpr

ekud

dks

fn[kkus dh

vko”;

drk u

gh g

S

_f.k;ksa dh la-

11

22

11

44

cdk;k jkf”k

22-87

3-12

3-12

54-75

54

-75

80-74

80-74

izko/kku

0-35

0-35

0-03

0-03

0-38

0-38

5-foRr

h;&o’kZ

ds nkSjku

iqu%lajfpr

[kkrksa

dk mu;

u_

f.k;ksa

dh

Lak-

¼&½

11

1919

33

2323

cdk;k jkf”k ¼&

½46

-45

46-45

42-91

42-91

14-70

14-70

104-06

104-06

izko/kku

¼&½

6-97

6-97

7-13

7-13

14-56

14-56

28-66

28-66

6-foRr

h;&o’kZ ds n

kSjku i

qu%lajfpr

[kkrksa dh

vifyf[kr

_f.k;ksa dh la-

00

33

3737

4040

cdk;k jkf”k

0-86

0-86

86-70

86-70

1638

-01

1638

-01

1725

-57

1725

-57

7-31

ekpZ d

ks lekIr foRrh;&

o’kZ ds n

kSjku

iqu%lajfpr

[kkrs ¼vafre

vkad

Ms]*½

_f.k;ksa dh la-

1111

3434

4747

9292

cdk;k jkf”k

357-57

357-57

152-28

152-28

5912

-87

5912

-87

6422

-72

6422

-72

izko/kku

48-97

48-97

6-67

6-67

162-14

162-14

217-78

217-78

*@ LFkkbZ i

qu%lajfpr

vfxze

vkad

Mksa ds v

frfjDr

tks mPp

izko/kkuksa ;

k tksf[

ke Hkkj

dks vkd

f’kZr

ugha djr

s gSa ¼;fn

ykxw g

ks½

uksV%& foRrh;&

o’kZ 20

12&13

ds fy,

iqu%lajfpr

[kkrksa dk izd

Vu Q

kWesZV

Hkkjr

h; fjt

+oZ cSad

}kjk funsZf”kr

fd;k x

;k g

S] mDr

QkWesZV

esa fiNys foRrh;&

Ok’kZ ds v

kadMs] u

rks l

ehf{kr@

iquxZf.kr@

iquO;ZofLFkr fd,

tk lds v

kSj u

gh fy

, tk ldsA


Punjab & Sind Bank

5.3

Det

ails

of A

ccou

nts

Res

truc

ture

d:PU

NJA

B &

SIN

D B

AN

KST

ATEM

ENT

OF

DIS

CLO

SUR

E O

F R

ESTR

UC

TUR

ED A

CC

OU

NTS

AS

ON

31.

03.2

014

(Am

ount

in c

rore

s)Sl

.No.

Type

of R

estr

uctu

ring

Und

er C

DR

Mec

hani

smU

nder

SM

E D

ebt R

estr

uctu

ring

Mec

hani

smO

ther

sTO

TAL

Std.

Sub-Std.

Doubt-ful

Loss

Total

Std.

Sub-Std.

Doubt-ful

Loss

Total

Std.

Sub-Std.

Doubt-ful

Loss

Total

Std.

Sub-Std.

Doubt-ful

Loss

Total

Det

ails

1

Res

truc

ture

d A

ccou

nts

as o

n A

pril

1 of

the

FY

No.

ofB

orro

wer

77

3131

5858

9696

Am

t.O/s

120.

8312

0.83

216.

5321

6.53

561

8.91

5618

.91

5956

.27

5956

.27

Prov

. the

reon

10.1

810

.18

6.80

6.8

206.

8120

6.81

223.

7922

3.79

2

Fres

h R

estr

uctu

ring

durin

g th

e ye

ar

#N

o.of

Bor

row

er6

627

2730

3063

63

Am

t.O/s

306.

9230

6.92

68.4

868

.48

2001

.42

2001

.42

2376

.82

2376

.82

Prov

. the

reon

47.0

447

.04

6.25

6.25

18.6

918

.69

71.9

871

.98

3

Upg

rada

tions

to

rest

ruct

ured

Std

. C

ateg

ory

durin

g th

e FY

No.

ofB

orro

wer

Am

t.O/s

Prov

. the

reon

4

Res

truc

ture

d St

d. A

dv.

whi

ch c

ease

to a

ttrac

t hi

gher

pro

v. A

nd/o

r ad

ditio

nal r

isk

wei

ght

at th

e en

d of

the

FY

and

henc

e ne

ed n

ot b

e sh

own

as re

stru

ctur

ed

Std.

Adv

ance

s at

th

e be

ginn

ing

of th

e ne

xt F

Y

No.

ofB

orro

wer

11

22

11

44

Am

t.O/s

22.8

73.

123.

1254

.75

54.7

580

.74

80.7

4

Prov

. the

reon

0.35

0.35

0.03

0.03

0.00

0.38

0.38

5

Dow

n-gr

adat

ions

of

rest

ruct

ured

acc

ount

s du

ring

the

FY

No.

ofB

orro

wer

(-)1

119

193

323

23A

mt.O

/s (

-)46

.45

46.4

542

.91

42.9

114

.70

14.7

010

4.06

104.

06Pr

ov. T

here

on

(-)6.

976.

977.

137.

1314

.56

14.5

628

.66

28.6

6

6

Writ

e-of

fs o

f R

estr

uctu

red

acco

unts

du

ring

the

FY

No.

ofB

orro

wer

00

33

3737

4040

Am

t.O/s

(-)

0.86

*0.

8686

.70

86.7

016

38.0

116

38.0

117

25.5

717

25.5

7

7

Res

truc

ture

d ac

coun

ts

as o

n M

ar. 3

1 of

the

FY

No.

ofB

orro

wer

1111

3434

470

4792

92

Am

t.O/s

357.

5735

7.57

152.

2815

2.28

5912

.87

059

12.8

764

22.7

264

22.7

2

Prov

. the

reon

48.9

748

.97

6.67

6.67

162.

1416

2.14

217.

7821

7.78



5-4 vkfLr iquLkaZjpuk gsrq ÁfrÒ[email protected] daifu;ksa d¨ csph xbZ foRRkh; LkaifRRk;ksaa dk fooj.k

(:- + dj¨M+ esa)

¼i½ [kkrksa dh la[;k “kwU; 1

(ii) ,l lh@vkj lh dks csps x, [kkrksa dk dqy ewY; ¼”kq) izko/kku½ “kwU; “kwU;

¼iii½ dqy izfrQy “kwU; 1-30

¼iv½ igys ds o’kksZa esa [kkrksa ds gLrkarj.k ls olwyk x;k vfrfjDr izfrQy “kwU; “kwU;

¼v½ “kq) cgh ewY; ds Åij dqy ykHk@gkfu “kwU; 1-30

5-5 [kjhns/csps x, xSj&fu"ikfnr foRRkh; vkfLr;ksa ds fooj.k%

(:- + dj¨M+ esa)fooj.k 2013&14 2012&13

1- d) o"kZ ds n©jku [kjhns x, [kkrs 'kwU; 'kwU;

[k) dqy cdk;k 'kwU; 'kwU;

2- d) buesa Lks o"kZ ds n©jku iquxZfBr [kkrs 'kwU; 'kwU;

[k) dqy cdk;k 'kwU; 'kwU;

(:- + dj¨M+ esa)

1- csps x, [kkrksa dh Lka[;k 'kwU; 'kwU;

2- dqy cdk;k 'kwU; 'kwU;

3- ÁkIr dqy ÁfrQy 'kwU; 'kwU;

5-6 ekud vkfLr;ksa ij Áko/kku

ekud vkfLr;ksa ij Áko/kku 352-78 341-59

vafdr ewY; esa gzkl gsrq izko/kku iquxZfBr ekud vfxze 70-60 61-59

(i) vkSLkr dk;Z'khy fuf/k;ksa dk C;kt vk; esa Áfr'kr 9-25% 9-60%

(ii) v©Lkr dk;Z'khy fuf/k;ksa dk xSj C;kt vk; esa Áfr'kr 0-50% 0-55%

(iii) v©Lkr dk;Z'khy fuf/k;ksa dk ifjpkyu ykÒ esa Áfr'kr 0-93% 1-23%

(iv) vkfLr;ksa Lks vk; 0-35% 0-44%

(v) Áfr deZpkjh (:i, dj¨M+ esa) dkj¨ckj (tekjkf'k;k¡ a+vfxze) 15-31 13-70

(vi) Áfr deZpkjh ykÒ (:i, dj¨M+ esa ) 0-03 0-04


Punjab & Sind Bank

5.4 Details of Financial Assets sold to Securitization / Reconstruction Companies for Asset Recon-

struction

Items 2013-14 2012-13

Particulars


5.6 Provisions on Standard Assets

Item 2013-14 2012-13

6. Business Ratios

Items 2013-14 2012-13



7- vkfLr ns;rk Áca/ku

(:-+ dj¨M+ esa)

1 fnu 584-18 547-63 0-39 0-00 30-18 221-23

2&7 fnu 1547-94 1044-21 346-32 380-00 0-74 17-80

8&14 fnu 2016-91 1473-68 292-94 0-00 5-08 24-86

15&28 fnu 3564-36 2270-23 480-30 0-00 12-12 50-09

29 fnu Lks 3 ekg rd 11947-63 6617-49 4076-32 40-00 29-91 191-97

3 ekg Lks vf/kd 6 ekg rd 10739-15 3844-42 36-69 200-04 32-33 73-03

Q 27745-45 7320-15 899-81 0-00 94-68 0-00

1 o"kZ Lks vf/kd 3 o"kZ rd 13121-22 14495-39 2417-71 150-00 92-77 0-00

3 o"kZ Lks vf/kd 5 o"kZ rd 4321-80 9011-54 5874-52 100-00 8-70 0-00

5 o"kZ Lks vf/kd 9141-52 10614-63 13869-11 1435-00 0-00 0-00

8- _.k t¨f[ke

8-1 okLrfod Lkaink {ks= d¨ _.k t¨f[ke

(:-+ dj¨M+ esa)

1- ÁR;{k _.k

d) fjgk;’kh ca/kd

i. ,sLkh LkaifŸk;ka ftu ij _.kh dk dCtk gS ;k fdjk;s ij nh xbZ gS, d¨ fn;k x;k _.k ca/kd }kjk iw.kZr% Lkqjf{kr gSA

2795-19 2360-33

ii. O;fäxr vkokLk _.k t¨ fd ÁkFkfedrk {ks= vfxze esa LkfEefyr djus ;¨X; gSa 2247-01 1917-11

[k) O;koLkkf;d okLrfod Lkaink

i) O;koLkkf;d okLrfod Lkaink ij ca/kd }kjk Lkqjf{kr _.k (dk;kZy;, Òou, cgqvk;keh O;kikfjd ifjLkj, cgq ifjokj vkokLkh; Òou, O;koLkkf;d ifjLkj tgk¡ cgqr Lks fdjk;snkj jgrs gksa, v©|¨fxd LkaLFkku ;k ekyx¨nke LFkku, g¨Vy, Òwfe vf/kxzg.k, fodkLk rFkk fuekZ.k vkfn) ,sLkh _.k Lkhekvksa esa xSj-fuf/k vk/kkfjr (,u.,Q.ch) ds _.k Òh 'kkfey gSaA

2941-87 2515-59

x) ca/kd ÁfrÒwfr;ksa esa fofu;¨x (,e.ch.,Lk) v©j vU; tekurh _.k 'kwU; 'kwU;

d. fjgk;'kh 'kwU; 'kwU;

[k. O;koLkkf;d-okLrfod Lkaink 'kwU; 'kwU;

2- vÁR;{k _.k {jk’V~zh; vkokLk (,u.,p.ch.) v©j vkokLk foŸk ca/kd (,p.,Q.Lkh.) d¨ fuf/k ,oa xSj-fuf/k vk/kkfjr _.k)

2342-72* 2805-75*

okLrfod Lkaink {ks= esa dqy _.k Òkxhnkjh 8079-67 7681-67


Punjab & Sind Bank

7. Asset Liability ManagementMaturity Pattern of Assets and Liabilities as on 31.03.2014:

Total 84730.17 57239.07 28294.11 2305.04 306.51 578.98

8. Exposures :8.1 Exposure to Real Estate Sector

(Rupees in crore)Category 31.03.2014 31.03.2013



8-2 iwath cktkj esa _.k Òkxhnkfjrk ¼,Dlikstj½

(:-+ dj¨M+ esa)

1- bfDoVh 'ks;jksa, ifjorZuh; ck.M] ifjorZuh; _.k&i=ksa rFkk bfDoVh mUeq[k E;qpqvy Q.Mksa ds ;wfuVksa esa fuos'k ftudk iw.kZ :i Lks dEiuh _.kksa esa fofu;¨x ugÈ fd;k x;k

152-58 159-93

2- LkkekU; va'kksa ¼vkbZ-ih-v¨-bZ-,Lk-v¨-ih-,Lk½ ifjorZuh; ck.M] ifjorZuh; _.k&i=ksa rFkk bfDoVh mUeq[k E;wpqvy QaMksa esa fofu;¨x ds fy, va'[email protected]@_.k i=ksa ;k vU; ÁfrÒwfr;ksa ds ,ot esa ,dy Lokfe;ksa d¨ fn, x, vfxze

1-20 0-02

3- fdLkh vU; mÌs’; gsrq fn;k x;k vfxze tgka va'kksa ;k ifjorZuh; va’kksa ;k ifjorZuh; _.k i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa d¨ ÁkFkfed ÁfrÒwfr ds :i esa fy;k x;k gS

0-01 0-01

4- va'kksa dh Lkaikf'oZd ÁfrÒwfr ;k ifjorZuh; ck.Mksa ;k ifjorZuh; _.k i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa }kjk ÁR;kÒwr vU; mÌs';ksa gsrq fn, x, vfxze vFkkZr tgka ij va'kksa@ifjorZuh; ck.Mksa@ifjorZuh; _.k&i=ksa@bfDoVh mUeq[k E;qpqvy Q.Mksa ij fn, x, vfxzeksa d¨ ÁkFkfed ÁfrÒwfr }kjk iw.kZ :i Lks ÁR;kÒwr ugÈ fd;k x;k

'kwU; 'kwU;

5- LVkd cz¨djksa d¨ tekurh o xSj&tekurh vfxze rFkk LVkd cz¨djksa v©j ekfdZV esdLkZ }kjk tkjh xkjafV;k¡

5-47 52-32

6- ubZ dEifu;ksa dh bfDoVh gsrq Q.MLk ,df=r djus ds fy, rFkk ÁorZdksa ds va'knku d¨ iwjk djus ds fy, t¨ va'[email protected]@_.k i=ksa ;k vU; ÁfrÒwfr;k¡a ;k fuc±/k vk/kkj ij daifu;ksa ds LkaLohÑr _.k

'kwU; 'kwU;

7- ÁR;kf'kr bfDoVh miyC/krk@fuxZeksa ij dEifu;ksa d¨ iwjd _.k 'kwU; 'kwU;

8- ÁkFkfed va'kksa ;k ifjorZuh; ck.Mksa ;k ifjorZuh; _.k i=ksa ;k bfDoVh mUeq[k E;qpqvy Q.Mksa ds Lkaca/k esa cSadksa }kjk fd, gkehnkjh ok;ns

'kwU; 'kwU;

9- ekftZu Lk¨nksa gsrq LVkd cz¨djksa d¨ fn;k x;k foŸk 'kwU; 'kwU;

10- iwath fuf/k;ksa ij _.k t¨f[ke ¼iathÑr rFkk viathÑr½ 4-15 3-71

8-3 t¨f[ke Js.khokj daVªh ,Dlikstjns'kkarj vk/kkj ij cSad }kjk fons'kh fofue; ysunsu ds Lkaca/k esa fn, x, fuoy _.k t¨ ÁR;sd ns'k Lks Lkacaf/kr gS, cSad dh dqy vkfLr;ksa ds 1% ds vanj gSaA vr% Òkjrh; fjt+oZ cSad ds fn'kk&funsZ'kkuqLkkj fdLkh Ádkj ds Áko/kku dh vko';drk ugÈ gSA

8-4 cSad }kjk ikj dh xbZ ,dy m/kkjh lhek ¼,lth,y½] lewg m/kkjh lhek ¼thch,y½ dk C;kSjko"kZ ds n©jku cSad }kjk c<+kbZ xbZ ,dy m/kkjh Lkhek ¼,Lk th ,y½ Lkewg m/kkjh Lkhek ¼th-ch-,y½ ds fooj.k o"kZ 2013&14 ds

n©jku cSad us Òkjrh; fjtoZ cSad }kjk ,dy m/kkjh /Lkewg m/kkjh gsrq fu/kkZfjr foosdiw.kZ _.k Lkhek d¨ ikj ugÈ fd;k gS fLkok; fuEuekeyksa ds ftu ij c¨MZ dk vuqe¨nu ÁkIr dj fy;k x;k gS A

(:-+ dj¨M+ esa)

1- eSllZ ;wih ikWoj dkiksZjs”ku fy-

Vh,y :-1501-63 djksM+ 23-90% fnukad 26-07-2013 ds vuqlkj

1501-63 24-03

'kwU;


Punjab & Sind Bank

* includes Rs.329.69 crore by way of Investment in NHB & Housing Finance Companies.8.2 Exposure to Capital Market

)

Total Exposure to Capital Market 163.41 215.99

8.3 Risk Category wise Country Exposure

8.4 Details of Single Borrower Limit (SGL), Group Borrower Limit (GBL) exceeded by the Bank

Sl.No.

Name of the Borrower Maximum Limit during the year

Exposure (%) as on

Limit / Liability as on 31.03.14

Exposure (%)



8-5 vewrZ Lkaikf’oZd ÁfrÒwfr;ksa ij ÁfrÒwfr-jfgr vfxze

(#-+ dj¨M+ esa)

vewrZ ÁfrÒwfr;ksa gsrq dqy vfxze tSLks vf/kdkjksa, Ákf/kdkj, ykbZLksaLkksa vkfn, ij _.k Òkj 455-37 188-57

vewrZ ÁfrÒwfr;ksa dh dqy vuqekfur ewY; tSLks vf/kdkjksa, Ákf/kdkj, ykbZLksaLkksa ij _.k Òkj 455-37 176-21

9-1 Òkjrh; fjtoZ cSad }kjk tqekZus dk ÁdVhd".kj.k

d. o”kZ ds n©jku cSd ij Òkjrh; fjtoZ cSad }kjk yxk;k tqekZuk 2-5 'kwU;

[k- Áfrdwy rF;ksa ds vk/kkj ij Òkjrh; fjtoZ cSad }kjk fn, x, funsZ’k ;k Áfrdwy fVIif.k;ka 'kwU; 'kwU;

9-2 cSads’;¨jsalksa O;kikj ds Lkaca/k ÁkIr 'kqYd/ikfjJfed dk ÁdVhdj.k

(#-+ dj¨M+ esa)

d. thou chek O;kikj Lks ÁkIr 'kqYd/ikfjJfed 1-19 2-87

[k. Lkk/kkj.k chek O;kikj Lks ÁkIr 'kqYd/ikfjJfed 0-0042 2-21

x. ;w.Vh.vkbZ.E;wpqvy QaM O;kikj 'kwU; 0-0005

ykÒ-gkfu [kkrs esa iwoZ vof/k dh d¨bZ ensa 'kkfey ugÈ gS ftUgsa Òkjrh; fjtoZ cSad ds fn'kk-funsZ'kksa ds vuqLkkj ,,Lk&5 esa crk;k tkuk g¨, fLkok; muds ftUgsa fVIif.k;ksa esa dgÈ v©j n'kkZ;k x;k gSA

10-2 ,,Lk &6 ewY;gzkl ys[kkadu izR;sd Js.kh dh vkfLr;ksa ds fy, dqy ewY;gzkl dk czsd&vi

(#-+ dj¨M+ esa)

Ikfjlj 27-88 25-21

vU; LFkkbZ vkfLr;k¡ 32-45 24-48

dh en la[;k 8 ¼jktLo ekU;rk½esa izdV enksa dks olwyh ds vk/kkj ij ekU;rk nh xbZ gSA fQj Hkh Hkkjrh; fjt+oZ cSad ds funsZ”kkuqlkj bl vk; dks vkfFkZd u ekuk tk,

isa’ku, xzsP;qVh, NqÍh udnhdj.k rFkk vU; nh?kkZof/k ykÒ gsrq Áko/kkuksa d¨ vkbZ.Lkh.,.vkbZ }kjk tkjh Lka’k¨f/kr ys[kk ekud (,.,,l&15) ds vk/kkj ij fd;k x;k gSA ;|fi, LkkoZtfud {ks= ds cSad deZpkfj;ksa gsrq isa’ku fodYi iqu% [k¨yus v©j xzsP;wVh dh Lkhekvksa esa o`f) – Áeq[k fu;ked mipkj ij Òkjrh; fjtoZ cSad ifji= fnukad 9 Qjojh] 2011 Lka. Mhchv¨Mh ua.chih.chLkh- 80@21-04-018@2010&11 rFkk xzsP;qVh vf/kfu;e 1972 esa fd, la”kks/kuksa ds vuqlkj ds vuqlkj dh xbZ gSA rnuqlkj cSad us iSa”ku [kkrk esa 146-12 djksM] :- rFkk xzSP;qVh [kkrk esa 26-57 djksM] :- ifj”kks/ku fd, gSaA “ks’k jkf”k] isa”ku [kkrk ds 146-12 djksM] :- rFkk xzSP;qVh [kkrk ds 26-57 djksM] :- dks vkxkeh o’kZ 2014&15 esa ifj”kksf/kr dj fn, tk,axsA


Punjab & Sind Bank

8.5 Unsecured Advances against Intangible Collaterals

Particulars As on 31.03.2014 As on 31.03.2013

9.1 Disclosure of Penalties imposed by Reserve Bank of India

2013-14 2012-13

9.2 Disclosure of Fees/ Remuneration Received in respect of Bancassurance Business

2013-14 2012-13

Disclosure as per Accounting Standard (AS)

10.2 AS-6 Depreciation Accounting

Total

10.3 AS-9 Revenue Recognition



[kkrk ds 26-57 djksM] :- dks vkxkeh o’kZ 2014&15 esa ifj”kksf/kr dj fn, tk,axsA

10-4-2 ykÒ&gkfu [kkrs rFkk rqyu&i= esa ekU;rk ÁkIr fu;¨tu¨RRkj ykÒksa dh Lkaf{kIr fLFkfr fuEukuqLkkj gS%

10-4-3 ck/;rkvksa ds orZeku ewY; esa ifjorZu

(:- + dj¨M+ esa)

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

fu/kkZfjr ykÒ ck/;rk dk 1 vÁSy d¨ ewY; 2419-87 2318-41 389-20 438-45 185-78 182-80

C;kt ykxr 209-92 179-91 31-15 32-48 15-05 13-55

orZeku Lksok ykxr 211-77 252-21 14-17 8-75 25-52 30-70

ÁnŸk ykÒ ¼174-73½ ¼139-10½ ¼85-78½ ¼64-81½ ¼37-04½ ¼26-77½

Ckk/;rk ij chekafdd gkfu@¼ykÒ½ ¼173-50½ ¼191-56½ ¼64-37½ ¼25-85½ ¼23-60½ ¼14-50½

fu/kkZfjr ykÒ ck/;rk dk 31 ekpZ d¨ ewY; 2493-33 2419-87 ¼284-19½ 389-02 165-71 185-78

10-4-4 ;¨tukxr vkfLr;ksa ds orZeku ewY; esa ifjorZu

(:- + dj¨M+ esa)

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

;¨tukxr vkfLr;ksa dk 1 vÁSy d¨ ewY; 2007-30 1803-30 336-01 337-68 188-95 187-89

;¨tukxr vkfLr;ksa Lks visf{kr ÁfrykÒ 180-66 162-30 30-24 31-74 17-01 18-51

fu;¨äk v¡'knku 290-39 180-21 16-64 34-63 “kwU; 10-05

?kVk,a ÁnŸk ykÒ ¼174-73½ ¼139-10½ ¼85-78½ ¼64-81½ ¼37-04½ ¼26-77½

chekafdd gkfu@¼ykÒ½ 9-57 0-59 ¼3-03½ ¼3-23½ ¼2-85½ ¼0-73½

;¨tukxr vkfLr;ksa dk 31 ekpZ d¨ mfpr ewY; 2313-19 2007-30 294-08 336-01 171-77 188-95

;¨tukxr vkfLr;ksa ij okLrfod ÁfrykÒ 190-23 162-89 27-21 28-51 19-86 17-78

10-4-5 'kq) chekafdd gkfu ¼ykÒ½

(:- + dj¨M+ esa)

f

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

ewY;kafdd gkfu@¼ykÒ½ nkf;Ro ¼,½ ¼173-50½ ¼191-56½ ¼64-37½ ¼25-85½ ¼23-60½ ¼14-50½

Iyku vkfLr;ksa ij ¼ch½ ewY;kafddgkfu@ ¼ykÒ½ ¼9-57½ ¼0-59½ ¼3-03½ ¼3-23½ ¼2-85½ ¼0-73½

'kq) ewY;kafdd gkfu@¼ykÒ½ ¼183-07½ ¼192-15½ ¼61-34½ ¼22-62½ ¼26-45½ ¼13-77½

vof/k ds n©jku igpku dh xbZ gkfu@¼ykÒ½ ¼183-07½ ¼192-15½ ¼61-34½ ¼22-62½ ¼26-45½ ¼13-77½


Punjab & Sind Bank

10.4.2Balance Sheet as under:

10.4.3 Changes in the Present value of the Obligation

Particulars Pension (Funded) Gratuity (Funded) Leave Encashment (funded)

10.4.4 Changes in the Present Value of Plan Assets

Particulars

Pension (Funded) Gratuity (Funded) Leave Encashment (funded)

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

10.4.5 Net Actuarial Loss/ (Gain)

ParticularsPension (Funded) Gratuity (Funded) Leave Encashment

(funded)2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

(173.50) (191.56) (64.37)

(B)

the period

at the end of the year



o"kZ ds var esa fcuk igpku okyh ewY;kafdd gkfu@¼ykÒ½ 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

10-4-6 rqyui= esa igpkuh xbZ jkf’k (:- + dj¨M+ esa)

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

31 ekpZ d¨ ikfjÒkf"kr ykÒ ns;rk dk orZeku ewY;

2493-33 2419-87 284-19 389-02 165-71 185-78

?kVk,a % 31 ekpZ d¨ Iyku vkfLr;ksa dk mfpr ewY;

2313-19 2007-30 294-08 336-01 171-77 188-95

rqyu&i= esa igpku dh xbZ xSj fuf/k 'kq) vkfLr@ns;rk

¼180-14½ ¼412-57½ 9-89 ¼53-01½ 6-06 3-17

10-4-7 ykÒ rFkk gkfu [kkrs esa O;;ksa dh igpku

¼:- dj¨M+ esa½

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

pkyw Lksok ykxr 211-77 252-21 14-17 8-75 25-52 30-70

C;kt ykxr 209-92 179-90 31-15 32-48 15-05 13-55

Iyku vkfLr;ksa ij vuqekfur fjVuZ ¼180-66½ ¼162-30½ ¼30-24½ ¼31-74½ 17-01 ¼18-51½

o"kZ ds n©jku 'kq) ewY;kafdr ¼ykHk½ gkfu ¼183-07½ ¼192-15½ ¼61-34½ ¼22-62½ 26-45 ¼13-77½

'kq) ykÒ O;; 57-96 77-67 46-26 13-13 2-89 11-97

10-4-8 rqyu&i= esa igpkuh xbZ ns;rkv¨ esa mrkj&p<+ko ¼:- dj¨M+ esa½

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

ÁkjafÒd 'kq) ns;rk@ vkfLr;ka¡ 412-57 515-11 53-01 100-77 ¼3-17½ ¼5-09½

'kq) ykÒ O;; 57-96 77-67 46-26 ¼13-13½ ¼2-89½ 11-97

?kVk,a &fn;k x;k va'k 290-39 180-21 16-64 34-63 'kwU; 10-05

vfUre ns;rk@vkfLr;k¡a 180-14 412-57 9-89 53-01 ¼6-06½ ¼3-17½

10-4-9 U;kl }kjk j[ks tkus okyk fuos’k Áfr’kr ¼Áfr'kr esa½

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

dsUæh; Lkjdkj dh ÁfrÒwfr;k¡aa 18-31 21-04 3-40 3-18 'kwU; 'kwU;

jkT; Lkjdkj dh ÁfrÒwfr;k¡a 37-68 35-35 ---- & 'kwU; 'kwU;

mPp Lrjh; d¨ji¨jsV ck.M 36-02 37-97 33-94 39-61 'kwU; 'kwU;

fo'ks"k tek ;¨tuk,a & -- & 'kwU; 'kwU;

vU; fuos’k 7-99 5-64 62-66 57-21 100 100


Punjab & Sind Bank

10.4.6 Amount recognized in the Balance Sheet

ParticularsPension (Funded) Gratuity (Funded) Leave Encashment (funded)

(Rs. in crore)

ParticularsPension (Funded) Gratuity (Funded) Leave Encashment (Funded)

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

10.4.8 Movements in the liability recognized in the Balance Sheet

(Rs. in crore)Particulars Pension (Funded) Gratuity (Funded) Leave Encashment (Funded)

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

10.4.9 Investment percentage maintained by the trust (in %age)

Particulars Pension (Funded) Gratuity (Funded) Leave Encashment (Funded)

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

Special Deposit Scheme



10-4-10 rqyu&i= dh frfFk d¨ ewy chekafdd ewY;kadu¼Áfr'kr esa½

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

cÍk nj 9-00 8-00 9-00 8-00 9-00 8-00

Iyku vkfLr;ksa ij vuqekfur ykÒ nj

9-00 9-00 9-00 9-40 9-00 9-85

osru esa o`f) dh nj 5-00 5-50 5-00 5-50 5-00 5-50

vuq'k; nj 1-00 1-00 1-00 1-00 1-00 1-00

Á;¨x esa ykbZ xbZ Á.kkyh ih;wLkh ih;wLkh ih;wLkh ih;wLkh ih;wLkh ih;wLkh

10-4-11 chekafdd ewY;kadu dk vk/kkj

fooj.k ewY;kadu dk vk/kkj

cÍk nj ns;rk ds vuqekfur vk/kkj ij Lkjdkjh ckaMksa dh 'kr¨± ds vuq:i rqyu&i= dh frfFk ij cktkj ds vuq:i ykÒ ds LkanÒZ esa cÍk nj dk fu/kkZj.k fd;k x;k gSA

Iyku vkfLr;ksa ij vuqekfur nj Lkacaf/kr ns;rk dh iw.kZ vof/k gsrq vof/k ds ÁkjaÒ ds Lke; ij Iyku vkfLr;ksa ij vuqekfur ykÒ cktkj vuqekuksa ij vk/kkfjr gSA

osru esa o`f) dh nj chekafdd ewY;kadu esa Òfo"; esa osru o`f) d¨ /;ku esa j[kk x;k rFkk eqæk ÁLkkj, ofj"Brk] Á¨™kfr rFkk vU; Lkacaf/kr ?kVdksa ij fopkj fd;k x;k gSA

vuq'k; nj vuq'k; nj dk fu/kkZj.k iwoZ rFkk vuqekfur Òfo”; ds vuqÒo ds vuqLkkj fu/kkZfjr fd;k x;k gS rFkk e`R;q d¨ N¨M+dj bLkesa LkeLr Ádkj ds vkgj.k LkfEefyr gS ysfdu blesa viaxrk dkjd Òh 'kkfey gSA

10-4-12 vU; nh?kZ vof/k okys deZpkjh ykÒ ¼xSj&fuf/k½

¼:- dj¨M+ esa½

2013&14 2012&13 2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

ns;rk dk orZeku ewY;

12-25 11-74 0-37 0-32 0-49 0-47 1-08 1-25

ikjxeu ns;rk 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

o"kZ ds n©jkuigpkuh xbZ ikjxeu ns;rk

'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

igpku u dh xbZ ikjxeu ns;rk

'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU; 'kwU;

rqyu&i= esa igpkuh xbZ ns;rk

12-25 11-74 0-37 0-32 0-49 0-47 1-08 1-25


Punjab & Sind Bank

10.4.10 Principal Actuarial assumptions at the Balance Sheet date

ParticularsPension (Funded) Gratuity (Funded) (Leave Encashment funded)

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

Discount rate

Rate of escalation in salary

Method used

10.4.11 Basis of Actuarial Assumptions considered

Basis of assumptionDiscount rate

return on plan assets

Rate of escalation in salary

10.4.12

(Rs. in crore)

Particulars LTC/LFCEncashment *

Silver jubilee Bonus Retirement Gifts

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

*



1-[k.M jktLo

d- jktdks’k 200556 164221

[k- dkiksZjsV@lexz cSafdax 476456 460851

x- QqVdj cSafdax 162868 150148

?k- vU; cSafdax ifjpkyu 119 508

dqy 839999 775728

2- [kaM ifj.kke

d- jktdks’k 1429 592

[k dkiksZjsV@lexz cSafdax 83591 107577


?k- vU; cSafdaxifjpkyu 119 508

dqy 113714 143726

3- xSj-vkcafVr O;; 33659 49841

4- ifjpkyu ykHk 80055 93885

5- izko/kku o vkdfLed ns;rk,a 55421 45215

6- vk;dj &5429 14747

7- fo”ks’k ykHk@gkfu

8- “kq) ykHk 30063 33923

vU; lwpuk

9- [akM vkfLr;ka

d- jktdks’k 2884926 2293817




M- xSj&vkcafVr vkfLr;ka 69541 66115

dqy vkfLr;ka 9450915 8047790

10- [kaM ns;rk,a

d- jktdks’k 2746402 2168713




M- xSj&vkcafVr vkfLr;ka 18872 41022

dqy vkfLr;ka 8949787 7587380


Punjab & Sind Bank

10.5 AS 17 – Segment ReportingPart A : Business Segment :



pkj [kaMksa esa oxÊÑr fd;k x;k gS t¨fd ,½ jktd¨"k ifjpkyu ch½ dkji¨jsV@Fk¨d cSafdx Lkh½ QqVdj cSafdx Mh½ vU; cSafdx ifjpkyu gS¡A dkWji¨jsV@Fk¨d rFkk QqVdj cSafdx [kaM ds Lkaca/k esa [kaMh; jktLo] ifj.kke] vkfLr rFkk ns;rkvksa d¨ bu [kaMksa esa fn, x, _.kksa ds vk/kkj ij oxÊÑr fd;k x;k gSA

tgk¡ [kaMksa Lks Lkacaf/kr vkfLr rFkk ns;rk vkcafVr dh xbZ g¨ rFkk tgk¡ ij ;s ÁR;{kr% muLks Lkacaf/kr u g¨] mudk vkcaVu ;Fkk vuqikr [kaM jktLo ds vk/kkj ij fd;k x;k gSA

Òkx [k% Ò©x¨fyd [kaM

cSad dh fons'k esa d¨bZ Òh 'kk[kk ugÈ gS ] bLkfy, Ò©x¨fyd [kaM dh tkudkjh nsus dh vko’;drk ugÈ gSA

10-6 ys[kk ekud 18 & Lkacaf/kr ikVÊ ÁdVhdj.k

Jh Mh-ih- flag fnukad 30-01-2014 rd v/;{k ,oa Áca/k funs'kd

Jh tfranjchj flag fnukad 04-02-2014 ls v/;{k ,oa Áca/k funs'kd

Jh ih.ds.vkuan fnukad 31-05-2013 rd dk;Zdkjh funs'kd

Jh eqds'k dqekj tSu fnukad 05-08-2013 ls dk;Zdkjh funs'kd

Jh fd'kksj dqekj lk¡lh fnukad 05-08-2013 ls dk;Zdkjh funs'kd

:- yk[kksa esa-

2013&14 2012&13

¼1-½Jh tfranjchj flag] v/;{k ,oa izca/k funs”kd 2-84 ykxw ugha

¼2-½ Jh fd”kksj dqekj lk¡lh] dk;Zdkjh funs”kd 10-12 ykxw ugha

¼3-½Jh eqds”k dqekj tSu] dk;Zdkjh funs”kd 10-67 ykxw ugha

¼4-½ Jh Mh-ih- flag] iwoZ v/;{k ,oa izca/k funs”kd 15-05 19-04

¼5-½ih-ds-vkuan] iwoZ dk;Zdkjh funs”kd 2-87 19-40

fooj.k fnukad 31-03-2014 fnukad 31-03-2013cdk;k _.k 'kwU; “kwU;

,l&18 ds iSjk 9 esa lEcfU/kr ikVhZ ds izdVu esa] tks jkT; fu;af=r m|eksa dks vU; lEcfU/kr ikfVZ;ksa] tks jkT; }kjk gh fu;af=r dh tkrh gS] ds lkFk fd, x, ysu&nsu dk izdVu djus ls NwV nsrk gSA vr% lg;ksxh cSad ds lkFk fd, x, ysu&nsu dk izdVu ugha fd;k x;k gSA

10-7 Áfr 'ks;j vk; (,,Lk&20)

¼:Ik, dj¨M+ esa½

bfDoVh 'ks;j /kkjdksa gsrq dj ds

ckn dqy ykÒ ¼:- djksM+ esaa½ 277-57 317-46

bfDoVh 'ks;jksa dh Òkfjr v©Lkr

Lka[;k ¼dj¨M+ esa½ 25-97 23-53

vk/kkj ,oa de dh xbZ Áfr 'ks;j vk; ¼:.½ 10-69 13-49


Punjab & Sind Bank

10.6 AS 18 – Related Party DisclosuresKey Managerial Personnel:

Remuneration Paid to Key management personnel :

Loans granted to Key Managerial Personnel & their relatives:

c) Name of Related Party Satluj Gramin Bank (An Associate)

10.7 AS 20 - Earning Per Share




10-8 ys[kk ekud21& lesfdr foRrh; fooj.kh cSad ds ikl dksbZ lfClMh ugha g]S vr% ys[kkekud 21 ykxw ugha gSA

10-9 ys[kk ekud 22 & vk; ij djksa gsrq ys[kkadu10-9-1 cSad us vk;dj ys[kk&t¨[kk esa Òkjrh; Lkunh ys[kkdkj LkaLFkku }kjk tkjh ys[kk ekud 22, ^^vk; ij djksa dk ys[kkadu** dk

vuqikyu fd;k gSA

10-9-2 vkLFkfxr dj vfLr;ksa@ns;rkvksa ds eq[; ?kVd fuEukuqLkkj gS%

¼:Ik, dj¨Mesa½

1- LFkk;h vkfLr;ksa ij ewY;g~kLk 'kwU; 'kwU; 2-32 2-02

2- mifpr C;kt ysfdu ÁfrÒwfr;ksa ij ns; ugh 'kwU; 'kwU; 166-16 119-36

3- /kkjk 36 1¼8½ ds varxZr fo”ks’k fjt+oZ 'kwU; 'kwU; 23-50 'kwU;

4- osru la”kks/ku gsrq izko/kku 55-43 10-69 'kwU; 'kwU;

5- vxzsf’kr gkfu;k¡ 59-61 'kwU; 'kwU; 'kwU;

dqy+ 115-04 10-69 191-98 121-38

dj fo'ks"kKksa dh jk; ds vk/kkj ij ys[kk vk; rFkk ÁfrÒwfr;ksa ds ewY; ij vk; dj dh x.kuk ds LFkk;h varj ij cSad us fopkj esa fd;k gS rFkk rnkuqLkkj :i, 403-80 dj¨M+ ¼iwoZ o"kZ ds : 277-77 dj¨M+½ dh jkf'k dh vkLFkfxr dj ns;rk ds fuekZ.k d¨ vko';d ugÈ ekuk x;kA

fof/kd fo'ks"kKksa dh jk; rFkk vuqdwy U;kf;d vf/k?k¨"k.kkvksa d¨ /;ku esa j[krs gq, cSad }kjk vk;dj] fQzat cSfufQV dj rFkk vkLFkfxr dj ds izko/kku dks i;kZIr ekuk x;kA

vihy Ákf/kdkfj;ksa dh fu.kkZ;d fu.kZ; Á.kkyh rFkk dj fo’ks"kKksa dh jk; ds vuqLkkj fookfnr vk;dj, C;kt dj dh dqy jkf›k :i, 477-79 dj¨M+ ¼iwoZ o"kZ esa :- 261-07 dj¨M+½ dh ekax dk Áko/kku ugÈ fd;k x;k gSA

Hkkjrh; fjt+oZ cSad ds fnukad 20-12-2013 ds ifji= la- MhchvksMh ua- chih- chlh 77@21-04-018@2013&14 ds vuqlkj vk;dj vf/kfu;e] 1961 dh /kkjk 36 ¼1½¼VIII½ ds varxZr fo”ks’k fjt+oZ ij vkLFkfxr dj ns;rk fu/kkZfjr dh xbZ gSA Hkkjrh; fjt+oZ cSad ds ifji= esa visf{kr :- 22-43 djksM+ dh jkf”k ds O;; 31 ekpZ] 2013 dks fo”ks’k fjt+oZ ij vkLFkfxr dj ns;rk fu/kkZfjr djrs gq,] tks fd ykHk&gkfu [kkrs esa “kkfey ugha gS] dks bl fjt+oZ ls lh/ks lek;ksftr dj fy;k x;k gSA

10-9-7 dj ijke”kZnkrkvksa ds vuqlkj cSad us pkyw foRrh; o’kZ ds fy, vk;dj gsrq izko/kku dh lax.kuk ds fy, vk;dj vf/kfu;e] 1961 dh /kkjk 36 ¼1½¼VIII½ ds varxZr dVkSfr;ksa dk nkok fd;k gS tks fd :-216-70 djksM+ ds xSj&xzkeh.k vfxzeksa dks cV~Vs [kkrs Mkyus ds laca/k esa gSA vk;dj vf/kfu;e] 1961 dh /kkjk 36 ¼1½¼VII½ esa Li’Vhdj.k 2 ds lkFk ifBr /kkjk 36 ¼1½¼VIIa½ ds vuqlkj xSj&xzkeh.k vfxzeksa dks v”kks/; _.k cV~Vs [kkrs esa Mkyus ls lacaf/kr gS] ykxw ugha gSA ifj.kkeLo:i dj ds i”pkr~ U;wure oSdfYid dj ¼eSV½ dzsfMV ik=rk :- 68-10djksM+ rFkk vkLFkfxr dj vkfLr :- 59-61 djksM+ ykHk esa o`f) gqbZ gSA dj laca/kh dkuwuh dkjZokbZ esa Åij lanfHkZr dVkSrh ds nkos ij cy nsus ds fy, izca/ku vk”kkoknh gSA

cSad ds ikl fdlh izdkj dh lfClMh ugha gSA vr% ,,l 23 ykxw ugha gSA

10-11 ys[kk ekud 26& vewrZ vkfLr;k¡

cSad esa iz;ksx fd;k tk jgk ,fIyds”ku lkW¶Vos;j cSad esa gh rS;kj fd;k x;k gS tks fd fuf”pr le;kof/k esa fodflr fd;k x;k gSA vr% lkW¶Vos;j dh ykxr cSad ds ifjpkyu O;; dk vko”;d fgLlk gSA tSls fd etnwjh vkfn rFkk ykHk&gkfu [kkrs esa lacaf/kr O;; “kh’kZ esa ys[kkafdr fd;k x;k gSA


Punjab & Sind Bank

10.8 AS 21 – Consolidated Financial Statement.

10.9 AS 22 – Accounting for Taxes on Income

Head Deferred Tax Assets Deferred Tax Liabilities

31.03.2014 31.03.2013 31.03.2014 31.03.2013

10.10 AS 23 – Accounting for Investments in Associates in consolidated Financial Statements

AS 26 – Intangible Assets



10-12 ys[kk ekud 28& vkfLr;ksa ds vutZd güs Lkaca/kh ys[kkadu

ys[kk ekud 28& esa ifjÒkf"kr cSad }kjk /kkfjr fLFkj vkfLr;ksa d¨ ^^fuxfer vkfLr;k¡** ekuk x;k gS u fd ^ûdnh fufeZr bdkbZ;k¡**A Áca/ku dh jk; ds vuqLkkj- 31-03-2014 rd Lkexz jkf'k esa fLFkj vutZd vkfLr;ka¡ d¨bZ ugÈ gSA vU; vkfLr;ksa ds vutZd güs dh fLFkfr esa Òkjrh; fjt+oZ cSad }kjk fu/kkZfjr fo'ks"k fu;eksa ds rgr Áko/kku dj fn, x, gSaA

10-13 ys[kk ekud&29 dk vuqikyu- Áko/kkuksa] vkdfLed ns;rkvksa v©j vkdfLed vkfLr;ksa dk Áko/kku

ys[kk ekud & 29 ds vuqLkkj, Òkjrh; Lkunh ys[kkdkj LkaLFkku }kjk tkjh Áko/kkuksa esa vkdfLed ns;rkvksa v©j vkdfLed vkfLr;ksa gsrq cSad us fuEu ds fy, d¨bZ Áko/kku ugh fd;k gS %

¼d½ iwoZ ?kVukvksa }kjk mRiUu d¨bZ LkaÒkO; ns;rk ftLkdk ?kVuk ;k u ?kVuk Òfo"; esa güs okyh fdLkh vfuf'pr ?kVuk ij fuÒZj gS, iw.kZr% cSad ds fu;a=.k esa ugÈ gSA v©j

¼[k½ ?kVukvksa Lks mRiUu d¨bZ orZeku ns;rk ftLkd¨ igpkuk ugÈ x;k gS D;ksafd&

;g LkaÒo ugÈ gS fd LkaLkk/kuksa ds cfgxZeu Lks vkfFkZd ykÒ ds nkf;Roksa dk fuiVku fd;k tk Lkds

* ns;rk jkf'k dk “krizfr”kr vuqeku vkadk ugÈ tk Lkdk gSA

,sLkh ns;rkvksa d¨ vkdfLed ns;rkvksa ds #i esa fjdkMZ fd;k x;k gSA budk vkadyu fujarj fd;k tkrk gS v©j ns;rkvksa ds dsoy og Òkx ftuesa vkfFkZd ykÒ dk ifjy{k.k g¨rk gS dk Áko/kku fd;k x;k gS fLkok; fo'ks"k ifjfLFkfr;ksa esa tgk¡a fo'oLkuh; vuqekuksa dh igpku ugÈ g¨ LkdhA

foRrh; foojf.k;ksa esa vkdfLed vkfLr;ksa dh igpku ugÈ dh xbZ gS D;ksafd ;s dHkh igpku esa u vkus okyh vk; esa ifjofrZr gks ldrh gSaA

¼:- djksM+ksa esa½

fooj.k 2013&14 2012&13 2013&14 2012&13 2013&14 2012&13 2013&14 2012&13

ftUgksaus cSad _.k dh vfHkLohd`fr ugha nh gS] ds fo:) nkok

18-16 10-18 8-70 8-09 0-25 0-11 26-61 18-16

bUoksDM cSad xkjaVh 3-87 3-36 3-00 1-60 0-43 1-09 6-44 3-87

gLrkarfjr lk[k&i= “kwU; “kwU; “kwU; “kwU; “kwU; “kwU; “kwU; “kwU;

10-13-3 vU; egRoiw.kZ izko/kkuksa dks ys[kksa ds uksV okys fgLls esa mi;qDr LFkku ij izdV fd;k x;k gSA

11-1 vfrfjDr ÁdVhdj.k ¼:- dj¨M+ esa½

xSj&fu"ikfnr vfxzeksa gsrq Áko/kku 512-91 255-55

ekud vkfLr;ksa gsrq Áko/kku 11-19 152-88

vafdr ewY;ksa esa dVkSrh gsrq izko/kku iquxZfBr ¼ekud½ 9-01 50-80

xSj&fu"ikfnr fuos'kksa gsrq Áko/kku 8-42 0-00

fuos'kksa esa ewY;gzkLk gsrq Áko/kku &3-11 &18-16

vU; izko/kku 15-79 11-09

dj&fu/kkZj.k gsrq Áko/kku

orZeku dj 186-54 149-66

vkLFkfxr dj &57-25 &2-91

laifRr dj 0-48 0-55

U;wure oSdfYid dj _.k ik=rk &186-54 0-00


Punjab & Sind Bank

10.12 Accounting Standard 28 - Impairment of Assets

10.13 Accounting Standard 29 - Provisions, Contingent Liability and Contingent Assets

.

ParticularsOpening Balance Additions during the

yearReduction during the

yearClosing Balance

2013-14 2012-13 2013-14 2012-13 2013-14 2012-13 2013-14 2012-13

10.13.3Notes forming part of the accounts.

11.1 Additional disclosures: (Rupees in crore)Break up of 'Provisions & Contingencies’ shown under the head Expenditure in 2013-14 2012-13



vU; 2-48 0-17

dqy 499-92 599-63

¼:- dj¨M+ esa½

vFk 'ks"k 'kwU; 'kwU;

o"kZ ds n©jku ifjo/kZu 'kwU; 'kwU;

o"kZ ds n©jku vkgj.k Lks fxjkoV 'kwU; 'kwU;

bfr 'ks"k 'kwU; 'kwU;

iqjkuh Áfof’V;ksa ds nkosnkjksa d¨ Òqxrku djus ds fy, LkkekU; vkjf{kr fuf/k [kkrs Lks :- “kwU; yk[k ¼fiNys o"kZ :- 0 yk[k½ dh jkf'k dk

vkgj.k fd;k x;k A

d½ o"kZ ds vkjaÒ esa yafcr f'kdk;rksa dh Lka[;k 96 67[k½ o"kZ ds n©jku ÁkIr f'kdk;rksa dh Lka[;k 1810 1567x½ o"kZ ds n©jku fuiVkbZ xbZ f'kdk;rksasa dh Lka[;k 1871 1538?k½ o"kZ ds var esa yafcr f'kdk;rksasa dh Lka[;k 35 96

d½ o"kZ ds vkjaÒ esa xSj&fØ;kfUor fu.kZ;ksa dh Lka[;k 1 2

[k½ o"kZ ds n©jku cSafdx y¨diky }kjk fu.kÊr ekeyksa dh Lka[;k 5 10

x½ o"kZ ds n©jku fØ;kfUor fu.kZ;ksa dh Lka[;k 4 11

?k½ o"kZ ds var esa yafcr xSj&fØ;kfUor fu.kZ;ksa dh Lka[;k 2 1

¼:- dj¨M+ esa½

LkcLks cM+s 20 tekdrkZvksa dh dqy tek 22177-88 16661-05

cSad dh dqy tek esa LkcLks cMs 20 tekdrkZvksa dh

tek dk Áfr'kr

26-17% 23-59%

¼:- dj¨M+ esa½

LkcLks cM+s 20 _f.k;ksa@xzkgdksa d¨ dqy vfxze 14203-61 12307-24cSad ds dqy vfxze esa LkcLks cM+s 20 _f.k;ksa@xzkgdksa d¨ vfxze dk Áfr'kr 24-56% 22-21%


Punjab & Sind Bank

Total 499.92 599.63

11.2 Movement of Floating Provisions

11.3 Draw down from Reserve

11.4 Customer’s Complaints: 2013-14 2012-13

a)b)

c)d)

11.5 Awards Passed by the Banking Ombudsman: 2013-14 2012-13

11.6Concentration of Deposits

(Rupees. In crore)

31.03.2014 31.03.2013

11.6.2 Concentration of Advances 31.03.2014 31.03.2013



11-6-3 t¨f[+keksa dk dsaæhdj.k ¼:- dj¨M esa½

LkcLks cM++s 20 _f.k;ksa@xzkgdksa ij dqy t¨f[+ke 16248-41 12604-70

cSad ds _f.k;ksa@xzkgdksa ij dqy t¨f[+ke esa LkcLks cMs 20 _f.k;ksa@xzkgdksa ij dqy t¨f[ke dk Áfr'kr

28-09% 21-26%

11-6-4 ,u-ih-,- dk dsaæhdj.k ¼:- dj¨Mesa½

LkcLks cM+s pkj ,u-ih-,- [kkrksa ij dqy t¨f[+ke 488-90 321-59

11-7 {ks=okj ,u.ih.,.

1- Ñf"k ,oa Lkacaf/kr xfrfof/k;k¡a 3-32 2-09

2- m|¨x ¼Lkw{e ,oa y?kq] e/;e ,oa cM+s½ 6-47 3-24

3- Lksok {ks= 3-28 2-93

4- O;fäxr _.k 5-59 2-52

11-8 ,u-ih-,- esa mrkj&p<+ko ¼:- dj¨M+ esa½

1 vÁSy d¨ Lkdy ,u-ih-,- ¼vFk 'ks”k½ 1536-90 763-44

o’kZ ds n©jku ifjo/kZu ¼u, ,u-ih-,-½ 1619-61 1093-60

?kVk % i) m™k;u 187-19 153-55

ii) oLkwfy;k¡ ¼m™;u [kkrksa Lks dh xbZ oLkwyh ds vfrfjä½ 211-32 116-98

iii) cÍs [kkrksa esa Mkyuk 204-48 49-61

11-9 fons’kh vkfLr;k¡] ,u-ih-,- ,oa jktLo¼:- dj¨M+ esa½

dqy vkfLr;k¡ 148-57 270-97

dqy ,u-ih-,- 0 0


Punjab & Sind Bank

11.6.3 Concentration of Exposures

31.03.2014 31.03.2013

11.6.4 Concentration of NPAs

31.03.2014 31.03.2013

11.7 Sector-wise NPAs

S.No.

Sector Percentage of NPAs to Total Advances in that sector as on

31.03.2014 31.03.2013

1. 3.32 2.092. 6.47 3.243. Services 3.28 2.934. 5.59 2.52

11.8 Movement of NPAs

Sub-total (A) 3156.51 1857.04

187.19 153.55211.32 116.98

204.48 49.61Sub-total (B) 602.99 320.14

Gross NPAs as on 31st March (closing balance) (A-B) 2553.52 1536.90

11.9

31.03.2014 31.03.2013



11-10 rqyu-i= Lks brj Ák;¨ftr ,Lk.ih.oh. ¼:i, dj¨M+ esa½

31-03-2014 31-03-2013 31-03-2014 31-03-2013

'kwU; 'kwU; 'kwU; 'kwU;

12- uoEcj] 2012 ls izHkkoh osru la”kks/ku ds [kkrs ij mfnr vkfLr;ksa dh izkfIRk ds fy, 131-63 djksM+ ¼xr o’kZ 32-96 djksM+ :i,½] :- ds rnFkZ ¼,M&gksd½ izko/kku fd, x, gSaA visf{kr lwpuk ds vHkko esa] ns;rk dk irk ugha yxk;k tk ldk rFkk vLFkkbZ :i ls

miyC/k djk;k x;k gSA

13- ,e,l,ebZMh vf/kfu;e] 2006 dh “krksZa ds vuqlkj izdVhj.klw{e vkSj y?kq m|eksa ls dz; dh xbZ py lEifRr ls lacaf/kr lwpuk dk fooj.k

1- ewy/ku rFkk ml ij ns; C;kt ¼vyx ls n”kkZ;k tk,½ 31@03@2014 dh fLFkfr ds vuqlkj fdlh vkiwfrZdrkZ dks viznRr gSA

“kwU; “kwU;

2- vkiwfrZdrkZ dks o’kZ 2013&14 ds nkSjku fu;r fnu ds vykok fd, x, Hkqxrku dh jkf”k ds lkFk ,e,l,ebZMh vf/kfu;e dh /kkjk 16 ds vuqlkj [kjhnnkj }kjk iznRr C;kt dh jkf”k

“kwU; “kwU;

3- Hkqxrku esa gqbZ nsjh dh vof/k ds fy, ns; rFkk cdk;k C;kt ¼tks vnk dj fn;k x;k gS ysfdu o’kZ ds nkSjku fu;r frfFk ds vykok½ ysfdu bl vf/kfu;e ds varxZr fufnZ’V C;kt dks “kkfey fd, fcuk

“kwU; “kwU;

4- fnukad 31@03@2014 dh fLFkfr ds vuqlkj mifpr C;kt rFkk “ks’k viznRr jkf”k “kwU; “kwU;

5- mRrjorhZ o’kksZa esa ns; rFkk vfrfjDr “ks’k C;kt dh jkf”k] tgk¡ rd fd mi;qDr ns; C;kt okLro esa y?kq m|eh dks vf/kfu;e dh /kkjk 23 ds varxZr dVkSrh ;ksX; O;; ds :i esa vLohd`fr ds mn~ns”; ls vnk dj fn;k tkrk gSA

“kwU; “kwU;

14- tgk¡ Lkwpuk miyC/k ugÈ Fkh, d¨ N¨M+dj v©j tgk¡a vko';d Fkk fiNys o"kZ ds vka¡dMksa d¨ iqu% O;ofLFkr@iqu% oxÊÑr fd;k x;k gSA


Punjab & Sind Bank

11.10 Off-Balance Sheet SPVs sponsored by Banks

Name of the SPV sponsored

Domestic Overseas

31.03.2014 31.03.2013 31.03.2014 31.03.2013

Nil NIL Nil Nil

13. Disclosures in Terms of MSMED Act 2006

S. No. Particulars Principal Amount Interest



ykÒ&gkfu [kkrs ds vuqLkkj fuoy ykÒ@¼gkfu½ 3006264 3392202

Lkek;¨tu gsrq

Áko/kku v©j vkdfLed O;; 4999155 5996289

ewY;gzkl ¼fuoy½ 237688 229372

vkfLr;ksa dh fcØh ij ykÒ &1505 &1239

ck.M] ihLkhih,Lk rFkk vkbZihMhvkbZ ij C;kt 1727740 1696705

&234960 0

dkWiksZjsV lkekftd mRrjnkf;Ro fuf/k &20000 &20000

dk;Z'khy iwath esa ifjorZuksa Lks iwoZ ifjpkyu ykÒ 9714382 11293329

Lkek;¨tu gsrq

fu{ksiksa esa o`f)@¼deh½ 140886623 75175239

m/kkjksa esa o`f)@¼deh½ &2350084 &8422775

vU; ns;rkvksa esa o`f)@¼deh½ &2654398 3748637

fuos'kksa esa o`f)@¼deh½ &57569407 &24601899

vfxzeksa esa o`f)@¼deh½ &63213305 &55859191

vU; vkfLr;ksa esa o`f)@¼deh½ &128311 &1628469

¼[k½ fuos'k xfrfof/k;ksa Lks udnh Áokg

vpy vkfLr;ksa esa o`f) &581667 &816187

vkfLr;ksa dh fcØh ij ykÒ 1505 1239

fuos’k xfrfof/k;ksa Lks udnh Áokg ¼[k½ &580162 &814948

¼x½ foŸkh; xfrfof/k;ksa Lks udnh Áokg

bfDoVh 'ks;jksa d¨ tkjh djuk ¼vkbZihv¨½¼vafdr ewY;½ 212630 198132

mLk ij ÁkIr 'ks;j Áhfe;e 787370 1201868

LkkoZtfud fuxZe O;; &2188 &2500

x©.k ck.M tkjh djuk 0 0

x©.k ck.M dk e¨pu - 0 0

x©.k ck.M ij C;kt] ihLkhih,Lk ,.M vkbZihMhvkbZ &1727740 &1696705

ih,uLkhih,Lk ij ykÒka'k &785625 &850770

ykÒka'k vkcaVu dj &133517 &138017

ifjpkyu xfrfof/k;ksa Lks udnh – 24685500 &259129

fuos'k xfrfof/k;ksa Lks udnh - &580162 &814948

foŸkh; xfrfof/k;ksa Lks udnh &1649070 &1287999

udnh o udnh LkerqY; esa o`f) - &22456268 &2362076

cSad “ks’k o udnh ¼izkjafHkd½ 40792107 43154183

cSad “ks’k o udnh ¼vafre½ 63248375 40792107


Punjab & Sind Bank

A. CASH FLOW FROM OPERATING ACTIVITIES 31.03.2014 31.03.2013

9714382 11293329

Cash Flow from Operating Activities (A) 24685500 -259129

B. CASH FLOW FROM INVESTING ACTIVITIES

C. CASH FLOW FROM FINANCING ACTIVITIES

Increase in Cash & Cash Equivalents 22456268 -2362076

Cash Flow Statement for the year ended 31st March, 2014



Lksok esa,

egkefge jk”Vªifr eg¨n;,

1- geus iatkc ,.M fLka/k cSad ds 31 ekpZ] 2014 dh foRrh; foojf.k;ksa ftuesa rqyu-i= rFkk bLk frfFk d¨ LkekIr gq, o”kZ ds fy, cSad ds ykÒ-gkfu [kkrs rFkk udnh Áokg fooj.kh Lkfgr ys[kksa Lks Lkacaf/kr fVIif.k;ksa dk ys[kk ijh{k.k fd;k gSA bu foRrh; foojf.k;ksa esa gekjs }kjk ys[kk ijhf{kr 20 'kk[kk,sa rFkk “kk[kkvksa ds ys[kk ijh{kdksa }kjk ijhf{kr 441 'kk[kk,a gSaA gekjs rFkk vU; ys[kk ijh{kdksa }kjk ys[kk ijhf{kr “kk[kkvksa dk p;u cSad us Hkkjrh; fjt+oZ cSad }kjk tkjh ekunaMksa ds vuqlkj fd;k gSA rqyu&i= rFkk ykHk&gkfu [kkrs esa 869 “kk[kkvksa ls Hksth xbZ foojf.k;k¡ “kkfey gSa tks ys[kk ijh{k.k ds v/khu ugha gSA bu vijhf{kr “kk[kkvksa esa vfxzeksa dk izfr”kr 9-60 izfr”kr] tekjkf”k;ksa dk 22-86 izfr”kr] vfxzeksa ij C;kt vk; dk 5-93 izfr”kr rFkk tek jkf”k;ksa ij fn, x, C;kt O;;ksa dk 19-67 izfr”kr fgLlk curk gSA

2- cSad çca/ku bu foÙkh; foojf.k;ksa dks ys[kk ekudksa ds vuqlkj rS;kj djus ds fy, mÙkjnk;h gS tksfd cSafdax dkuwu ds vuqlkj rFkk Hkkjr esa Lohdk;Z gSA mÙkjnkf;Ro esa fMtkbZu] dk;kZUo;u rFkk foÙkh; foojf.k;ksa dks rS;kj djus gsrq vkarfjd fu;a=.k tks fd ;FkkFkZds vdFku] /kks[kk/kM+h ;k xyrh ds dkj.k gks ldrk gS] lfEefyr gSA

3- gekjs ys[kk ijh{k.k ds vk/kkj ij bu foÙkh; foojf.k;ksa ij jk; nsuk gekjk mÙkjnkf;Ro gSA geus viuk ys[kk ijh{k.k lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ijh{k.k ekudksa ds vuqlkj fd;k gSA bu ekudksa ds vuq:i ;g okaNuh; gS fd ge ys[kk ijh{k.k gsrq uSfrd vko’;drkvksa dk /;ku j[ks vkSj bl çdkj ;kstuk cuk,a ,oa bls iw.kZ djsa rkfd ;g fo’okl gks lds fd foÙkh; foojf.k;ksa esa dksbZ

Hkh deh ugha gSA

4- ys[kk ijh{k.k esa ç;ksxkRed vk/kkj ij dh xbZ tkap lfEefyr gS fd foÙkh; foojf.k;ksa esa nh xbZ rFkk jkf’k;ksa laca/kh lk{;] lwpuk,algh gSaA viukbZ xbZ çfØ;k ys[kk ijh{kd ds fu.kZ; ij fuHkZj gksrh gS ftlesa foÙkh; foojf.k;ksa ds fo”k; esa nh xbZ xyr lwpuk dk vkdyu lfEefyr gS tks /kks[kk/kM+h ;k xyrh ds dkj.k gks ldrk gSA ys[kk ijh{kd ifjfLFkfr;ksa ds vuq:Ik tksf[ke Hkjk vkdyu djus ds fy, vkarfjd fu;a=.k rFkk okLrfod izLrqfrdj.k ij fopkj djrk gS u fd cSad ds vkarfjd fu;a=.k dh izHkkfork ij fopkj O;Dr djus ds mÌs”; lsA ys[kk ijh{k.k esa ç;qä ys[kk fl)karksa dk ewY;kadu rFkk çca/ku }kjk rS;kj fd, x, egRoiw.kZ vuqeku ,oa foÙkh; fooj.kksa dk fooj.k 'kkfey jgrk gSA

5- gesa fo’okl gS fd geus ys[kk ijh{k.k esa tks lk{; çkIr fd, gS lkekU;rk iw.kZ gS vkSj gekjs i{k ds fy, ,d mi;qDr vk/kkj gSaA

6- gekjh fjiksVZ dh fo”ks’krk crk, fcuk ge fuEufyf[kr dh vksj /;ku vkdf”kZr djrs gSa %

¼i½ uksV la[;k 1-1] 1-2 vkSj 1-3 vk;] O;;] vkfLr;ksa vkSj ns;rkvksa ds fofHkUu [kkrksa dh cdk;k enksa ds 'ks”kksa@fudklh igpku@ lek;ksftr u gksus ds dkj.k blds çHkko dh vko’;drk dks fu/kkZfjr ugha fd;k tk ldk gSA

¼ii½ vihy esa foyafcr fookfnr dj ns;rkvksa ds laca/k esa uksV la- 10-9-3] ftldk izHkko fuf”pr ugha gSA

¼iii½ uksV la- 10-9-5 tks fd ys[kkadu cgh ds vuqlkj fuos”k ewY; ij fofo/k [kkrk ij varj ds laca/k esa 477

79 djksM+ :- dh vkLFkfxr dj ns;rkvksa ds l`tu u djus rFkk vk;dj vfHkdyu ds fy, varj ij fopkj djrs gq, LFkkbZ gksxkA

¼iv½ foRrh; foojf.k;ksa dk uksV la- 10-9-6 tks fd Hkkjrh; fjt+oZ cSad ds fnukad 20 fnlacj] 2013 ds ifji= la- MhchvksMh la- chih- chlh- 77@21-04-018@2013&14 ds vk/kkj ij fnukad 31 ekpZ] 2014 ds vuqlkj vk;dj vf/kfu;e] 1961 dh /kkjk 36¼1½ ¼viii½ ds varxZr fo’ks”k vkjf{kfr;ksa ij l`ftr vkLFkfxr dj ns;rk ij O;;ksa ds ys[kkadu ij of.kZr gSA

¼v½ cSad dh iwath i;kZIrrk ckly&i rFkk ckly& ii vU; vuqikr ftUgsa cSad }kjk ys[kksa esa lwfpr fd;k x;k gS] [kkrksa ij fVIif.k;ka] ys[kk fufr;ksa vkSj mä ifjPNsn 6¼i½ ls ¼iii½ ij gekjh fVIif.k;ksa ds vuqlkj fd, x, lek;kstuksa ds vuq:i gSA

¼vi½ foÙkh; fooj.kh dk uksV 10-4-1] tks lkoZtfud {ks= ds deZpkfj;ksa ds fy, isa'ku fodYi ds iqu% [kksyus ,oa xzsP;wVh dh lhek esa o`f) & çeq[k fu;ked mipkj ij] cSad dh iSa’ku ,oa xzsP;qVh ns;rk] sdeZpkfj;ksa gsrq ykHk ij Hkkjrh; fjtoZ cSad ds ifji=


Punjab & Sind Bank

INDEPENDENT AUDITOR’S REPORT

Report on the Financial Statements of Punjab & Sind Bank

Management’s Responsibility for the Financial Statements

Auditor’s Responsibility

Emphasis of matter:



fnukad 9 Qjojh] 2011 la- MhchvksMh ua-chih-chlh-80@21-04-018@2010&11 ds vuqlkj ys[kk ekudksa ¼,,l½ 15 ds çko/kkuksa ds vuqikyu esa lkoZtfud {ks= ds cSadksa dks NwV gSA

7- gekjh jk; esa tSlk fd cSad ds cfg;ksa esa n'kkZ;k x;k gS vkSj gekjh loksZÙke tkudkjh ds vuqlkj rFkk gesa fn, x, Li"Vhdj.kksa dsvuqlkj] ge ;g lwfpr djrs gSa fd %

1½ çeq[k ys[kk uhfr;ksa rFkk mu ij gekjh fVIif.k;ksa lfgr iBuh; rqyu&i= ,d iw.kZ ,oa fo'kq} rqyu i= gS ftlesa vko’;d fooj.k fufgr gSa rFkk bls mfpr <+ax ls rS;kj fd;k x;k gS ftlesa cSad ds 31 ekpZ 2014 ds ekeyksa dk mfpr mYys[k gS tks fd Hkkjr esa Lohdk;Z ys[kk fl)kUrksa ds vuq:i gSA

2½ ykHk gkfu [kkrk ,oa çeq[k ys[kk uhfr;ksa rFkk gekjh fVIif.k;ksa ds lkFk iBuh; 31 ekpZ 2013 dks lekIr o"kZ ds fy, okLrfod ykHk 'ks”k dks n’kkZrk gSA

3½ udnh çokg fooj.k 31 ekpZ 2013 rd ds okLrfod udnh çokg dks n’kkZrk gSA

vU; fof/kd rFkk fofu;ked vko';drkvksa ij fjiksVZ

8- rqyu i= vkSj ykHk gkfu [kkrs] cSafdax fofu;eu vf/kfu;e 1949 dh r`rh; vuqlwph esa fn, QkeZ Øe'k% Þdß rFkk Þ[kß esa rS;kj fd, x, gSaA

9- mijksä 1 ls 5 rd ifjPNsnksa esa ys[kk ijh{kk ds vk/kkj ij rFkk cSafdax daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e] 1970@1980 rFkk mlesa visf{kr çdVhdj.k dh lhekvksa ds v/khu rFkk ys[kk uhfr;ksa vkSj ys[kk laca/kh fVIif.k;ksa dks /;ku esa j[krs gq, ge fjiksVZ djrs gSa fd%

d½ tks lwpuk,a vkSj Li"Vhdj.k gekjh tkudkjh ,oa fo'okl ds vuqlkj ys[kk ijh{k.k gsrq vko';d Fks] geus os lHkh lwpuk,a çkIr dh gSa vkSj bUgsa larks"ktud ik;k gSA

[k½ cSad ds ,sls lHkh ysu&nsu tks gekjh tkudkjh esa vk, gSa tks cSad ds vf/kdkjksa ds varxZr FksA

x½ cSad ds dk;kZy;ksa@'kk[kkvksa ls çkIr foojf.k;ksa dks lkekU;r% ys[kk ijh{k.k gsrq mi;qä ik;k x;k gSA

10- gekjh jk; esa] rqyu&i=] ykHk&gkfu [kkrk rFkk udnh çokg fooj.kh ykxw ys[kk ekudksa ds vuqlkj gSaA

lefrfFk ij gekjh fjiksVZ ds vuqlkj

d`rs vkj-,e-yky ,.M da- d`rs vks-ih-rqylh;ku ,.M da-

lunh ys[kkdkj lunh ys[kkdkj

¼vkj-ih-frokjh½ ¼jkds”k vxzoky½

lk>snkj lk>snkj

,e-ua- 071448 ,e- ua- 081808

,Qvkj,u 000932lh ,Qvkj,u 500028,u

d`rs ch-ds- JkSQ ,.M da- d`rs vkj- dksBkjh ,.M da-

lunh ys[kkdkj lunh ys[kkdkj

¼,y-ds-JkSQ½ ¼jkts”k dqekj½

lk>snkj lk>snkj

,e-ua- 060742 ,e-ua-090865

,Qvkj,u 302166bZ ,Qvkj,u 307069bZ

ubZ fnYyh

fnukad% 10ebZ] 2014


Punjab & Sind Bank

Report on Other Legal and Regulatory Requirements


Punjab & Sind Bank

Annexure-”A’


I, _______________________son / daughter /wife of Shri ________________________ a resident of

(i.e.), the

Cut-Off date for participating in t

______________________

th

of directors.


Punjab & Sind Bank

Date

Signature

Contact No.

Registrar/ Sub-Registrar of Assurances or


Punjab & Sind Bank

Annexure-”B’

I.

a.

b.

c.

d. Relevant Background and Experience

e. Permanent Address

f. Present Address

g.

h. Permanent Account Number under the Income Tax Act

and name and address of Income Tax Circle

i.

of the Banking Companies (Acquisition & Transfer of

Undertakings) Act, 1970/1980

j. Any other information relevant to Directorship of the Bank

II Relevant Relationships of director

a. List of Relatives if any who are connected with the Bank (Refer Section 6 and Schedule 1A of the Companies Act, 1956)

b. List of entities if any in which he/she is considered as beinginterested (Refer Section 299(3)(a) and Section 300 of the

c. List of entities in which he/she is considered as holding substantialinterest within the meaning of Section 5(ne) of the BankingRegulation Act, 1949 proposed and existing

d. Name of Bank in which he/she is or has been a member of the board (giving

e. Fund and non-fund facilities, if any, presently availed of by him/her and/or by entities listed in II (b) and (c) above from the bank

f. Cases, if any, where the director or entities listed in II (b) and (c) above are in default or have been in default in the past in respect of credit facilities obtained from the bank or any other bank.


Punjab & Sind Bank

IIIRecords of professional achievements

a. Professional achievements relevant

IV. Proceedings, if any, against the director

a. If the director is a member of a professional association/ body, details of disciplinary action, if any, pending or commenced or resulting in conviction in the past against him/her or whether he/she has been banned from entry of at any profession/occupation at any time.

b. Details of prosecution, if any, pending or commenced or resulting in conviction in the past against the director and/or against any of the entities listed in II (b) and (c) above for violation of economic laws and regulations

c. Details of criminal prosecution, if any, pending or commenced or resulting in conviction in the past against the director

d.Section 274 of the Company’s Act 1956?

e. Has the director or any of the entities at II (b) and (c) above been subject to any investigation at the instance of Government department or agency?

f. Has the director at any time been found guilty of violation of rules/regulations/ legislative requirements by customs/ excise /income tax/foreign exchange /other revenue authorities, if so give particulars

g. Whether the director at any time come to the adverse notice of a regulator such as SEBI, IRDA, DCA.

V. Any other explanation / information in regard to items I to III and

Undertaking

the bank fully informed, as soon as possible, of all events which take place subsequent to my appointment which are relevant to the information provided above. I also undertake to execute the deed of covenant required to be executed by all directors of the bank.

Place : Signature of director

Date :

VI. Remarks of Nomination Committee of the Bank

Place : Signature

Date :

(Though it shall not be necessary for a candidate to mention in the column about

juris-diction, etc, and not on merit. If the order of the regulator is temporarily stayed

mentioned).


Punjab & Sind Bank

Annexure-”A’


I, _______________________son / daughter /wife of Shri ________________________ a resident of

(i.e.), the

Cut-Off date for participating in t

______________________

th

of directors.


Punjab & Sind Bank

Date

Signature

Contact No.

Registrar/ Sub-Registrar of Assurances or


Punjab & Sind Bank

Annexure-”B’

I.

a.

b.

c.

d. Relevant Background and Experience

e. Permanent Address

f. Present Address

g.

h. Permanent Account Number under the Income Tax Act

and name and address of Income Tax Circle

i.

of the Banking Companies (Acquisition & Transfer of

Undertakings) Act, 1970/1980

j. Any other information relevant to Directorship of the Bank

II Relevant Relationships of director

a. List of Relatives if any who are connected with the Bank (Refer Section 6 and Schedule 1A of the Companies Act, 1956)

b. List of entities if any in which he/she is considered as beinginterested (Refer Section 299(3)(a) and Section 300 of the

c. List of entities in which he/she is considered as holding substantialinterest within the meaning of Section 5(ne) of the BankingRegulation Act, 1949 proposed and existing

d. Name of Bank in which he/she is or has been a member of the board (giving

e. Fund and non-fund facilities, if any, presently availed of by him/her and/or by entities listed in II (b) and (c) above from the bank

f. Cases, if any, where the director or entities listed in II (b) and (c) above are in default or have been in default in the past in respect of credit facilities obtained from the bank or any other bank.


Punjab & Sind Bank

IIIRecords of professional achievements

a. Professional achievements relevant

IV. Proceedings, if any, against the director

a. If the director is a member of a professional association/ body, details of disciplinary action, if any, pending or commenced or resulting in conviction in the past against him/her or whether he/she has been banned from entry of at any profession/occupation at any time.

b. Details of prosecution, if any, pending or commenced or resulting in conviction in the past against the director and/or against any of the entities listed in II (b) and (c) above for violation of economic laws and regulations

c. Details of criminal prosecution, if any, pending or commenced or resulting in conviction in the past against the director

d.Section 274 of the Company’s Act 1956?

e. Has the director or any of the entities at II (b) and (c) above been subject to any investigation at the instance of Government department or agency?

f. Has the director at any time been found guilty of violation of rules/regulations/ legislative requirements by customs/ excise /income tax/foreign exchange /other revenue authorities, if so give particulars

g. Whether the director at any time come to the adverse notice of a regulator such as SEBI, IRDA, DCA.

V. Any other explanation / information in regard to items I to III and

Undertaking

the bank fully informed, as soon as possible, of all events which take place subsequent to my appointment which are relevant to the information provided above. I also undertake to execute the deed of covenant required to be executed by all directors of the bank.

Place : Signature of director

Date :

VI. Remarks of Nomination Committee of the Bank

Place : Signature

Date :

(Though it shall not be necessary for a candidate to mention in the column about

juris-diction, etc, and not on merit. If the order of the regulator is temporarily stayed

mentioned).

annual report 2013-14 - copy€¦ · annual report 2013-14 5 punjab & sind bank notice notice...

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