general managers abridged_ar_2016.pdf · ®ewlev³e iee³e$eer ef®ebleheuueer chaitanya gayatri...

meebefJeefOekeÀ uesKee-hejer#ekeÀSTATUTORY AUDITORS

cesmeme& Sce Sce efveeqmmece Sb[ kebÀheveerM/s. M. M. Nissim and Co.

cesmeme& [er. eEmen Sb[ kebÀheveerM/s. D. Singh and Co.

cesmeme& pes. heer. keÀhetj Sb[ Gyesje³eM/s. J. P. Kapur and Uberai

cesmeme& ieésJej, ueuuee Sb[ cesnleeM/s. Grover, Lalla and Mehta

cesmeme& yeer. jleve Sb[ SmeesefmeSìdmeM/s. B. Ratan and Associates

cesmeme& peer. [er. Deeheìs Sb[ kebÀheveerM/s. G. D. Apte and Co.

F&-JeeseEìie efleefLe³eeb 11 pegueeF&, 2016megyen 10:00 yepes mes13 pegueeF&, 2016Meece 05:00 yepes lekeÀ

uesKeeyeboer efleefLe 11 pegueeF&, 2016 mes14 pegueeF&, 2016

Jeee|<ekeÀ Deece yewþkeÀefleefLe SJeb mece³e

ieg©Jeej, 14 pegueeF&, 2016DehejeÔve 03:00 yepes

E- Voting dates 11th July, 201610 Am to 13th July, 2016Till 05:00 Pm

Book Closure 11th July, 2016 to 14th July, 2016

Date & Time of Annual General Meeting

Thursday 14th July, 2016 at 3 Pm

Shri. Harvinder Singh, Neeraj Bhatia, R. P. Marathe (ED), Melwyn Rego (MD & CEO), R. L. Bishnoi, G. Padmanabhan (Chairman), R. A. Sankaranarayanan (ED), B. P. Sharma (ED), Smt. R. Sebastian,

Ms. Anna Roy, Sanjiv Kumar Arora

Þeer njefJeboj efmebn, Þeer veerjpe Yeeefì³ee, Þeer Deej. Heer. cejeþs (keÀe³e&HeeuekeÀ efveosMekeÀ), Þeer cesueefJeve jsiees (HeýevOe efveosMekeÀ SJeb meerF&Dees), Þeer Deej. Sue. efyeMveesF&, Þeer peer. HeëveeYeve (DeO³e#e), Þeer Deej. S. MebkeÀjveeje³eCeve (keÀe³e&HeeuekeÀ efveosMekeÀ),Þeer efye. Heer. Mecee& (keÀe³e&HeeuekeÀ efveosMekeÀ), Þeerceleer Deej. mesyewefmì³eve, megÞeer Ssvee je@³e, Þeer mebpeerJe kegÀceej Dejesje

0207132341414246505165102109111

0210182341414347505165102110111

efveosMekeÀ ceb[} BOARD OF DIRCETORS

1

yeQkeÀ Dee@]HeÀ Fbef[³ee / BANK OF INDIA mebef#eHle Jeeef<e&keÀ efjHeesì& / Abridged Annual Report 2015-16

ceneHe´yebOekeÀGENERAL MANAGERS

jepe keÀceue Jecee& RAJ KAMAL VERMA

he´ceeso kegÀceej heÆvee³ekeÀ PRAMODA KUMAR PATTANAIK

jeOeeveeLe keÀj RADHA NATH KAR

jcesMe®ebê yeefueDeejeEmen RAMESH CHANDRA BALIARSINGH

Deefveue kegÀceej Yeuuee ANIL KUMAR BHALLA

ieesheeue cegjueer Yeiele GOPAL MURLI BHAGAT

Yeeue®ebê JeemegosJe GheeO³es BHALCHANDRA VASUDEO UPADHYE

mebpe³e heJeej SANJAY PAWAR

MebkeÀjoeme ieghlee SHANKARDAS GUPTA

pewve Yet<eCe JAIN BHUSHAN

efMeJepeer jece ceerCee SHEOJI RAM MEENA

kegÀue Yet<eCe pewve KUL BHUSHAN JAIN

megOeekeÀj leVeerª SUDHAKAR TANNIRU

megMeerue kegÀceej keÀemeueerJeeue SUSHIL KUMAR KASLIWAL

megYee<e®ebê ceesoer SUBHASH CHANDRA MODI

efveKeuesMe Yeeie&Je NIKHLESH BHARGAVA

ke=À<Ce ueeue Mecee& KRISHAN LAL SHARMA

meWiees[ ieeQ[j heueefveJesue SENGODA GOUNDER PALANIVEL

Jejoe®eejer kegÀceej VARADACHARI KUMAR

jepekegÀceej eEmen ®eewneve RAJKUMAR SINGH CHOUHAN

efovesMekegÀceej hetvece®ebo ieie& DINESHKUMAR POONAMCHAND GARG

ye´pesMe kegÀceej ceesnebleer BRAJESH KUMAR MOHANTY

Fboj ceefCe ceefuekeÀ INDER MANI MALIK

heer Sue jece®ebêve De³³ej P L RAMCHANDRAN IYER

De%es³e kegÀceej Dee]peeo AGYEY KUMAR AZAD

®ewlev³e iee³e$eer ef®ebleHeuueer CHAITANYA GAYATRI CHINTHAPALLI

megjsMe®ebê <e[bieer SURESH CHANDRA SARANGI

jceve kegÀceej Mecee& RAMAN KUMAR SHARMA

he´keÀeMe keÀeMeerveeLe Jele&keÀ PRAKASH KASHINATH VARTAK

jece ke=À<Ce efmevne RAM KRISHNA SINHA

ce=l³egbpe³e kegÀceej ieghlee MRITYUNJAY KUMAR GUPTA

kegÀ©hhele jeEJeêve vee³ej KURUPPATH RAVINDRAN NAIR

M³eece megboj yeefvekeÀ SHYAM SUNDAR BANIK

DejeEJeo kegÀceej meent ARVIND KUMAR SAHU

jcesMe ®evê þekegÀj RAMESH CHAND THAKUR

megeEjoj kegÀceej DeiejJeeue SURIENDER KUMAR AGGARWAL

DeefceleeYe jmleesieer AMITABH RASTOGI

2


HeÓeeve keÀe³ee&ue³e : mìej neTme, yeebêe kegÀuee& keÀe@cHueskeÌme, yeebêe (HetJe&), cegbyeF& - 400 051.

��Star House, Bandra Kurla Complex, Mumbai-400 051

NOTICENOTICE is hereby given that the Twentieth Annual General Meeting of the Shareholders of Bank of India will be held on Thursday, July 14, 2016 at 03.00 p.m. at Bank of India Auditorium, Star House, Bandra Kurla Complex, Bandra (East) Mumbai – 400 051 to transact the following business:

Item No. 1“To discuss, approve and adopt the Audited Balance Sheet as at 31st �� 31st March 2016, Report of the Board of Directors on the working and activities of the Bank for the period covered by the Accounts and the Auditors’ Report on the Balance Sheet and Accounts”

By order of the Board

Place : Mumbai (Melwyn Rego) Date : 14.06.2016 Managing Director & CEO

Notes.

1. APPOINTMENT OF PROXY A SHAREHOLDER ENTITLED TO ATTEND AND VOTE

AT THE ANNUAL GENERAL MEETING IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE ON HIS/HER BEHALF. The Proxy form, in order to be effective, must be �� !�� "�� than 4(four) days before the date of the Annual General Meeting i.e. on or before the close of banking hours of 8th July 2016.

2. APPOINTMENT OF AUTHORISED REPRESENTATIVE No person shall be entitled to attend or vote at the meeting

as a duly authorised representative of a Company or any other Body Corporate which is a shareholder of the Bank, unless a copy of the Resolution appointing him/her as a duly �� #�� #�� Chairman of the meeting at which it was passed, shall have #��$��%��4 (four) days before the Annual General Meeting on or before the close of banking hours of 8th July 2016 .

3. BOOK CLOSURE The Register of the Shareholders and the Share Transfer

Register of the Bank will remain closed from Monday, July 11th 2016 to Thursday 14th July, 2016 (both days inclusive), for the purpose of Annual General Meeting,

met®eveeFmekesÀ Üeje ³en met®evee oer peeleer nw efkeÀ yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ Mes³ejOeejkeÀeW keÀer yeermeJeeR Jeee|<ekeÀ Deece yewþkeÀ iegªJeej,14 pegueeF& 2016 keÀes mee³eb 03.00 yepes yeQkeÀ Dee@]HeÀ Fbef[³ee Dee@ef[ìesefj³ece, mìej neGme, yeebêe kegÀuee& keÀe@chueskeÌme, yeebêe (hetJe&), cegbyeF& -400 051 ceW efvecveefueefKele keÀejesyeej keÀjves kesÀ efueS keÀer peeSieer:

ceo mebK³ee 1³eLee 31 cee®e& 2016 kesÀ uesKeehejeref#ele legueve he$e, 31 cee®e& 2016 keÀes meceehle Je<e& kesÀ efueS ueeYe Deewj neefve Keelee, uesKee ceW keÀJej keÀer ieF& DeJeefOe nsleg yeQkeÀ kesÀ keÀe³e& leLee ieefleefJeefOe³eeW hej efveosMekeÀ ceC[ue keÀer efjheesì& Deewj legueve he$e leLee uesKeeW hej uesKee hejer#ekeÀeW keÀer efjheesì& hej ®e®ee&, Devegceesove leLee DebieerkeÀej keÀjvee ~

yees[& kesÀ DeeosMeevegmeej

mLeeve : cegbyeF& (cesueefJeve jsiees)efoveebkeÀ : 14.06.2016 heýebOe efveosMekeÀ leLee meerF&Dees

efìhheefCe³eeb:

1. hejes#eer keÀer efve³egefÊeÀ yewþkeÀ ceW Yeeie uesves leLee celeoeve keÀjves kesÀ nkeÀoej Mes³ejOeejkeÀ Deheves mLeeve hej Yeeie

uesves leLee celeoeve nsleg SkeÀ hejes#eer efve³egÊeÀ keÀj mekeÀles nQ~ hejes#eer HeÀece& keÀes heYeeJeer yeveeves kesÀ efueS mebyebefOele HeÀece& GmeceW efveOee&efjle mLeeve hej Jeee|<ekeÀ Deece yewþkeÀ kesÀ keÀce mes keÀce 4 (®eej) efove hetJe& DeLee&le efoveebkeÀ 08 pegueeF&, 2016 keÀes ³ee Gmemes henues yeQkeÀ kesÀ keÀejesyeej kesÀ mece³e kesÀ meceehle nesves mes henues DeJeM³e heehle nes peevee ®eeefnS~

2. heéefOeke=Àle heéfleefveefOe keÀer efve³egefÊeÀ keÀesF& Yeer J³eefÊeÀ, pees efkeÀmeer Ssmeer kebÀheveer ³ee Dev³e efkeÀmeer efvekeÀe³e-kebÀheveer pees yeQkeÀ

keÀe Mes³ejOeejkeÀ nw, keÀe efJeefOeJele heéefOeke=Àle heéfleefveefOe nw, Üeje Deece yewþkeÀ kesÀ efoveebkeÀ mes 4 (®eej) efove henues, DeLee&le efoveebkeÀ 08 pegueeF&, 2016 keÀes ³ee Gmemes henues yeQkeÀ kesÀ keÀejesyeej kesÀ mece³e kesÀ meceehle nesves mes henues yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e ceW, efpeme yewþkeÀ ceW Gmes heéefOeke=Àle heéfleefveefOe kesÀ ©he ceW efve³egÊeÀ keÀjves keÀe mebkeÀuhe heeefjle efkeÀ³ee ie³ee Lee, kesÀ DeO³e#e Üeje GÊeÀ mebkeÀuhe keÀer hećeeefCele mel³e heéfleefueefhe ³eefo he´mlegle veneR keÀer peeleer nw lees Gmes yewþkeÀ ceW GheeqmLele jnves keÀe, cele osves keÀe DeefOekeÀej veneR nesiee~

3. uesKeeyeboer

Mes³ejOeejkeÀeW keÀe jefpemìj, SJeb yeQkeÀ keÀe Mes³ej DeblejCe jefpemìj Jeee|<ekeÀ Deece yewþkeÀ kesÀ GÎsM³e mes meesceJeej, 11 pegueeF&, 2016 mes iegªJeej 14 pegueeF&, 2016 (oesveeW efove Meeefceue) lekeÀ yebo jnsiee~

3


4. CHANGE OF ADDRESS Shareholders holding shares in dematerialized form

should communicate the change of address, if any, to their Depository Participant. Shareholders who hold shares in physical form should communicate the change of address to the Registrar and Share Transfer Agent of the Bank at the following address

� � �� Unit: Bank of India E-2, Ansa Industrial Estate, Sakivihar Road, Sakinaka Andheri (E)- 400072

Tel : 22-40430200 Fax : 22 - 28475207 E mail : [email protected]

5. ATTENDANCE SLIP-CUM-ENTRY PASS For the convenience of the shareholders, Attendance slip-

cum-Entry pass is annexed to this Report. Shareholders/ ��!�� '� �� *�� !� ��signatures at the space provided therein and surrender the Attendance slip- cum-Entry pass at the venue. Proxy/Representative of a shareholder should state on the Attendance slip-cum-Entry pass “Proxy” or “Representative” as the case may be.

�� !�"#�#!$!#"�#��!%��& The shareholders who have not encashed their Dividend

Warrants / received for previous periods, if any, are requested to contact the Share Transfer Agent of the Bank for issue of duplicate. As per the Section 10B of the Banking Companies (Acquisitions and Transfer of Undertakings) Act, 1970, the amount of dividend remaining unpaid or unclaimed for a period of seven years is required to be transferred to the Investor Education and Protection Fund (IEPF) established by the Central Govt. under Section 205C/125 of the Companies Act, 2013.

7. FULL ANNUAL REPORT Shareholders desirous to have a full Annual Report can

download it from our website +++;#��;��" or send email to [email protected] or letter to the Company Secretary, Bank of India, C-5, `G’ Block, Bandra Kurla Complex, Mumbai - 400 051

8. E-VOTING The Bank is pleased to provide e-voting facility to the

shareholders of the Bank to enable them to cast their votes electronically on the items mentioned in the notice. The Bank has appointed M/s S N Ananthasubramanian & Co., Company Secretary as the Scrutinizer for conducting the e-voting process in a fair and transparent manner. E-voting is ��;�<��=>��?��?��'#��owners shall be reckoned on the equity shares held by them as on 07th July 2016 being the Cut-off date for the purpose. Shareholders of the Bank holding shares either in physical or in dematerialized form, as on the Cut-off date, may cast their vote electronically.

4. heles ceW heefjJele&ve

efpeve Mes³ejOeejkeÀeW kesÀ heeme Mes³ej ef[cesì mJe©he ceW nQ GvnW Deheves heles ceW ³eefo keÀesF& heefjJele&ve nes lees GmekeÀer met®evee Gvemes mebyebefOele menYeeieer efve#esheeieej keÀes osveer ®eeefnS~ efpevekesÀ heeme Mes³ej hel³e#e ©he ceW nQ, GvnW Deheves heles ceW heefjJele&ve keÀer met®evee yeQkeÀ kesÀ hebpeer³ekeÀ SJeb Mes³ej DeblejCe SpeWì keÀes efvecveefueefKele heles hej osveer ®eeefnS:

cesmeme& efyeieMes³ej mee|Jemesme heé.efue. ³egefveì : yeQkeÀ Dee@]HeÀ Fbef[³ee F&-2 Devemee DeewÐeesefiekeÀ Smìsì meekeÀerefJenej jes[, meekeÀerveekeÀe, DebOesjer (hetJe&), 400 072. HeÀesve - 022-40430200 HewÀkeÌme- 022-28475207 F& cesue : [email protected]

5. GheeqmLeefle he®eea-men-he´JesMe he$e

Mes³ejOeejkeÀeW keÀer megefJeOee kesÀ efueS GheeqmLeefle he®eea-men-he´JesMe he$e Fme efjheesì& kesÀ meeLe mebueive nw~ Mes³ejOeejkeÀeW/hejesef#e³eeW/heéfleefveefOe³eeW mes DevegjesOe nw efkeÀ Jes efveOee&efjle mLeeve hej nmlee#ej keÀjW Deewj yewþkeÀ mLeue hej GheeqmLeefle he®eea-men-he´JesMe he$e meghego& keÀj oW~ Mes³ejOeejkeÀ kesÀ hejes#eer/heéfleefveefOe keÀes GheeqmLeefle he®eea-men-he´JesMehe$e ceW ’Hejes#eer“ DeLeJee ’HeéfleefveOeer“ ceW mes Jen efpeme ©he ceW GheeqmLele nes jns neW GmekeÀe GuuesKe keÀj osvee ®eeefnS~

6. DeoeJeeke=Àle ueeYeebMe ³eefo keÀesF& nes Jes Mes³ejOeejkeÀ efpevneWves Deheves ueeYeebMe Jeejbì DeYeer lekeÀ veneR YegveeS nQ / GvnW

henues keÀer DeJeefOe kesÀ keÀesF& Jeejbì DeYeer lekeÀ veneR efceues nQ lees Gvemes DevegjesOe nw efkeÀ Jes Jeejbì keÀer Devegefueefhe peejer keÀjves kesÀ efueS DeblejCe SpeWì mes mebheke&À keÀjW~ yeQkeÀkeÀejer kebÀheveer (DeefOeieńCe SJeb Ghe¬eÀceeW keÀe DeblejCe) DeefOeefve³ece, 1970 keÀer Oeeje 10 yeer kesÀ Devegmeej ueeYeebMe keÀer meele Je<e& lekeÀ DeoÊe jeefMe ³ee DeoeJeeke=Àle jeefMe kebÀheveer DeefOeefve³ece,2013 keÀer Oeeje 205-meer/125 kesÀ Debleie&le keWÀê mejkeÀej Üeje ieefþle FvJesmìj SpegkesÀMeve Sb[ heésìskeÌMeve HebÀ[(DeeF&F&heerS]HeÀ) ceW Debleefjle keÀjveer nesleer nw~

7. mebhetCe& Jeee|<ekeÀ efjheesì& pees Mes³ejOeejkeÀ mebhetCe& Jeee|<ekeÀ efjheesì& ®eenles nQ Jes nceejer JesyemeeFì

www.#��;��" mes [eGveuees[ keÀj mekeÀles nQ DeLeJee [email protected] hej cesue keÀj mekeÀles nQ DeLeJee kebÀheveer meef®eJe, yeQkeÀ Dee@]HeÀ Fbef[³ee, meer-5, peer yuee@keÀ, yeebêe-kegÀuee& mebkegÀue, cegbyeF&-400 051 keÀes he$e efueKe mekeÀles nQ~

8. F&-JeeseEìie met®evee ceW GequueefKele ceoeW hej FueskeÌìê@efvekeÀ ªhe mes celeoeve keÀjves nsleg yeQkeÀ

kesÀ Mes³ejOeejkeÀeW kesÀ efueS yeQkeÀ ves F&-JeeseEìie megefJeOee heóeve keÀer nw~ efve<keÀheì SJeb heejoMeea ªhe mes F&-JeeseEìie heéf¬eÀ³ee keÀe Dee³eespeve keÀjves kesÀ efueS yeQkeÀ ves Þeer Sme.Sve.Deveblemegyećeefve³eve SC[ kebÀ., kebÀHeveer meef®eJe keÀes hejer#ekeÀ kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee nw~ F& JeeseEìie JewkeÀequhekeÀ nw~ Mes³ejOeejkeÀeW/ueeYeeLeea ceeefuekeÀeW kesÀ F&-JeeseEìie DeefOekeÀejeW keÀes Fme nsleg efvee|oä Debeflece leejerKe 07 pegueeF& 2016 keÀes GvekesÀ Üeje Oeeefjle FeqkeÌJeìer Mes³ejeW kesÀ DeeOeej hej efveOee&efjle efkeÀ³ee peeSiee~ keÀì Dee@HeÀ [sì ceW yeQkeÀ kesÀ Mes³ej he´l³e#e DeLeJee [ercewì ªhe ceW OeejCe keÀjves Jeeues Mes³ej OeejkeÀ Dehevee Jeesì FueskeÌìêefvekeÀ kesÀ ceeO³ece mes [eue mekeÀles nQ~

4


'�� "*$+��,��!,��/��+,� (i) The voting rights of Shareholders shall be in proportion

to their shares of the paid up equity share capital of the Bank as on 07th�Q��[\��>��]��^��!��the purpose.

(ii) The voting period will commence at 10.00 a.m. on 11th July 2016 and will end at 5.00 p.m. on 13th July 2016. The e-voting module shall also be disabled by CDSL at 5.00 p.m. on the same day.

(iii) The shareholders should log on to the e-voting website www.evotingindia.com.

(iv) Click on shareholders

(v) Now enter your User ID

[�^� _��\]j�{��?��#��|]

(b) For NSDL: 8 Character DPID followed by 8 Digit Client ID

(c) Members holding shares in physical form should enter Folio number registered with the Bank.

� [��^� }�!�� |"�?�� ~�� Click on Login.

(vii) If you are holding shares in demat form and had logged on to www.evotingindia.com and voted on an earlier voting of any company/ entity, then your existing password is to be used.

� [��^� |��"��+��?��#��+{

For Members holding shares in Demat and Physical FormPAN Enter your 10 digit alpha numeric

`PAN issued by Income Tax Department (Applicable for both demat shareholders as well as physical shareholders)

�� Members who have not updated their PAN with the Bank/ Depository Participant are ��*�� +��letters of their name and the 8 digits of the sequence number in the PAN Held.

�� In case the sequence number is less than 8 digits enter the applicable number of 0’s before the number after the �� +�� "��in CAPITAL letters. Eg, if your name is Ramesh Kumar with sequence number 1 then enter �� }��;

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

9. F&-JeeseEìie DevegosMe (i) Mes³ejOeejkeÀeW keÀe JeeseEìie DeefOekeÀej Fme GÎsM³e mes efve³ele ³eLee 07

pegueeF& 2016 (keÀì-Dee@HeÀ leejerKe) keÀes yeQkeÀ kesÀ heóÊe FeqkeÌJeìer Mes³ej hetbpeer kesÀ Devegheele ceW GvekesÀ Üeje Oeeefjle Mes³ej kesÀ DeeOeej hej nesiee~

(ii) JeeseEìie DeJeefOe 11 pegueeF& 2016 kesÀ megyen 10.00 yepes DeejbYe nesieer Deewj 13 pegueeF& 2016 keÀes Meece 5.00 yepes meceehle nesieer~ meer[erSmeSue Üeje Gmeer efove Meece 5.00 yepes F&-JeeseEìie cees[îetue keÀes ef[mesyeue keÀj efo³ee peeSiee~

(iii) Mes³ejOeejkeÀeW keÀes F&-JeeseEìie JesyemeeFì www.evotingindia.com. hej uee@ie-Dee@ve keÀjvee nesiee~

(iv) Shareholders hej eqkeÌuekeÀ keÀjW~

(v) Deye Deheves ³et]pej DeeF&[er keÀer heéfJe<ì keÀjW~

(S) meer[erSmeSue kesÀ efueS : 16 ef[efpeì keÀer yesefveefHeÀefMeSjer DeeF&[er

(yeer) SveSme[erSue kesÀ efueS : 8 kewÀjskeÌìj keÀe [erheerDeeF&[er Deewj GmekesÀ yeeo 8 ef[efpeì keÀe keÌuee³ebì DeeF&[er

(meer) efpeve meom³eeW kesÀ heeme YeeweflekeÀ mJeªhe ceW Mes³ej neW GvnW yeQkeÀ ceW hebpeerke=Àle HeÀesefue³ees vebyej keÀer heéfJeeqä keÀjveer nesieer~

(vi) FmekesÀ yeeo ef[mhues efkeÀS ieS JesefjefHeÀkesÀMeve Fcespe keÀer heéfJeä keÀjW Deewj uee@efieve hej eqkeÌuekeÀ keÀjW~

(vii) ³ee fo Deeheke sÀ heeme [erce wì mJeªhe ce W Me s³ej nQ Dee wj Deeheve s www.evotingindia.com Hej uee@ie-Dee@ve efkeÀ³ee nes Deewj efkeÀmeer kebÀheveer/efvekeÀe³e hej Jeesì efkeÀ³ee nes, leye Deehe Deheves Jele&ceeve heemeJe[& keÀe he´³eesie keÀjW~

(viii) ³eefo DeeHe Henueer yeej GHe³eesiekeÀlee& nQ lees veer®es efoS ieS ®ejCeeW keÀe Heeueve keÀjW~

[ercewì Deewj YeeweflekeÀ mJeªhe ceW Mes³ejOeejkeÀ meom³eeW kesÀ efueSHeerSSve Dee³ekeÀj efJeYeeie Üeje peejer Dehevee 10 ef[efpeì keÀe Deu]HeÀe

v³etcesefjkeÀ heerSSve keÀer heefJeeqäe keÀjW ([ercewì SJeb YeeweflekeÀ mJeªhe ceW Mes³ej jKeves Jeeues Mes³ejOeejkeÀeW kesÀ efueS ueeiet)

�� efpeve meom³eeW ves yeQkeÀ/ef[hee@efpeìjer heéfleYeeieer ceW Dehevee heerSSve Dehe[sì ve efkeÀ³ee nes Gvemes DevegjesOe nw efkeÀ Jes Deheves veece kesÀ henues kesÀ oes De#ej Deewj Deheves heerSSve kesÀ 8 DebkeÀeW keÀe meerkeÌJesvme vebyej metef®ele keÀjW~

� ³eefo meerkeÌJesvme vebyej, 8 DebkeÀeW mes keÀce DebkeÀeW keÀe nes lees veece kesÀ henues oes De#ejeW (yeæ[s De#ejeW ceW) kesÀ yeeo Gme vebyej mes henues DeeJeM³ekeÀ mebK³ee ceW 0 peesæ[W~ DeLee&le ³eefo DeehekeÀe veece jcesMe kegÀceej nw Deewj meerkeÌJesvme vebyej 1 nw lees heerSSve HeÀerued][ ceW RA0000001 efueKeW~

pevceefleefLe keÀe fLele [e rce wì Keele s ³ee HeÀe s e fue³ee s ke s À e fueS dd/mm/yyyy he éªhe ceW DeehekesÀ [erce wì ³ee yeQkeÀ DeefYeuesKe ceW GequueefKeleeve gmeej pevce eflee fLe keÀe r he é fJee qä keÀjW~

5


Dividend Bank Details

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

�� Please enter the DOB or Dividend Bank Details in order to login. If the details are not recorded with the depository or Bank, please enter the member id/ folio number in the Dividend �� "��in instruction (v)

(ix) After entering these details appropriately, click on `SUBMIT’ tab.

(x) Members holding shares in physical form will then directly reach the Bank selection screen. However, members holding shares in demat form will now reach `password creation’ menu wherein they are required to mandatorily enter their login password in the new ��+�� ;� �� +�� to be also used by the demat holders for voting for resolutions of any other company / entity on which they are eligible to vote, provided that company / entity opts for e-voting through CDSL platform. It is strongly recommended not to share your password with any other person and take utmost care to keep ��+��;

(xi) For Members holding shares in physical form, the details can be used only for e-voting on the resolution contained in this notice.

(xii) Click on the EVSN for the relevant < Company Name> on which you choose to vote.

(xiii) On the voting page, you will see `Resolution Description’ and against the same the option `Yes/ No’ for voting. Select the option Yes or No as desired. The option YES implies that you assent to the Resolution and option NO implies that you dissent to the Resolution.

(xiv) Click on the “RESOLUTION FILE LINK” if you wish to view the entire Resolution details.

(xv) After selecting the resolution you have decided to ��j��|<�;��"��#�!�+��#��;� |�� +�� "� �� “OK”, else to change your vote, click on CANCEL’ and accordingly modify your vote.

(xvi) Once you `CONFIRM’ your vote on the resolution, you will not be allowed to modify your vote.

(xvii) You can also take out print out of the voting done by you by clicking on the `Click here to print’ option on the Voting page.

(xviii) If Demat account holder has forgotten the same password then Enter the User ID and the image ��_��?�� +��the details as prompted by the system.

� Note for Non- Individual Shareholders and Custodians

� Non Individual shareholders (i.e. other than Individuals, HUF, NRI etc.) and custodian are required to log on to www.evotingindia.com and register themselves as Corporates.

ueeYeebMe yeQkeÀ efJeJejCe

DeehekesÀ [ercewì Keeles ceW ³ee yeQkeÀ DeefYeuesKe ceW keÀefLele [ercewì Keeles ³ee HeÀesefue³ees nsleg efjkeÀe@[& efkeÀS ieS ueeYeebMe yeQkeÀ y³eewjeW keÀer heéfJeeqä keÀjW~

� uee@efieve keÀjves kesÀ efueS ke=Àhe³ee [erDeesyeer ³ee ueeYeebMe yeQkeÀ y³eewjeW keÀer heefJeeqä keÀjW~ ³eefo y³eewjs ef[hee@efpeìjer ³ee yeQkeÀ ceW y³eewjs efjkeÀe@[& veneR efkeÀS ieS nQ lees, ke=Àhe³ee DevegosMeeW (v) ceW GequueefKeleevegmeej ueeYeebMe yeQkeÀ y³eewjeW kesÀ HeÀeruæ[ ceW cescyej DeeF&[er/HeÀesefue³ees vebyej keÀe GuuesKe keÀjW~

(ix) Fve y³eewjeW keÀer Gef®ele heéfJeeqäe kesÀ he½eele `SUBMIT’ hej eqkeÌuekeÀ keÀjW~

(x) efpeve meom³eeW kesÀ heeme YeeweflekeÀ mJeªhe ceW Mes³ej neW Jes meerOe yeQkeÀ ®e³eve m¬eÀerve hej hengb®eWies~ leLeeefhe, [ercewì mJeªhe ceW Mes³ej jKeves Jeeues meom³e Deye `HeemeJe[& efvecee&Ce’ cesv³et ceW hengb®eWies peneb GvnW v³et heemeJe[& HeÀeru[ ceW DeefveJee³e& ªhe mes Dehevee uee@ie Fve heemeJe[& [euevee nesiee~ ke=Àhe³ee veesì keÀjW efkeÀ [ercewì OeejkeÀeW keÀes efkeÀmeer Dev³e kebÀheveer/efvekeÀe³e kesÀ mebkeÀuhe nsleg JeeseEìie keÀjves kesÀ efueS Yeer Fmeer heemeJe[& keÀe he³eesie keÀjvee nesiee yeMelex Jen kebÀheveer/efvekeÀe³e meer[erSmeSue huesìHeÀe@ce& kesÀ ceeO³ece mes - F&-JeeseEìie keÀe efJekeÀuhe ®egves~ efJeMes<e ªhe mes ³en efmeHeÀeefjMe keÀer peeleer nw efkeÀ Deehe Dehevee heemeJe[& efkeÀmeer Deewj keÀes ve yeleeSb Deewj Deheves heemeJe[& keÀes ieesheveer³e jKeW~

(xi) efpeve meom³eeW kesÀ heeme YeeweflekeÀ mJeªhe ceW Mes³ej neW, Gve y³eewjs keÀe Ghe³eesie kesÀJeue Fme veesefìme ceW efoS ieS mebkeÀuhe hej F&-veeseEìie nsleg efkeÀ³ee pee mekeÀlee nw~

(xii) mebiele <kebÀHeveer keÀe veece> efpeme hej Deehe Jeesì keÀjvee ®eenW, nsleg FJeerSmeSve Hej eqkeÌuekeÀ keÀjW~

(xiii) JeeseEìie he=ÿ hej DeehekeÀes ` mebkeÀuHe efJeJejCe' efoKesiee Deewj Gmeer efJekeÀuhe kesÀ meeceves JeeseEìie nsleg `neB / venerb’ efoKesiee~ F®íevegmeej `neB@b / vebnerb’ efJekeÀuhe ®egveW~ neB efJekeÀuhe ®egveves mes leelhe³e& nw efkeÀ Deehe Fme mebkeÀuhe mes mencele nQ Deewj vebner efJekeÀuhe celeueye Deehe Fme mebkeÀuhe mes mencele veneR nQ~

(xiv) ³eefo Deehe mebkeÀuhe kesÀ hetCe& y³eewjs osKevee ®eenW lees “mebkeÀuHe HeÀeF&ue efuebkeÀ” hej eqkeÌuekeÀ keÀjW~

(xv) Deehe ves efpeme mebkeÀuhe hej Jeesì keÀjves keÀe efveCe&³e efue³ee nw GmekeÀe ®e³eve keÀjves kesÀ he½eele `SUBMIT’ hej eqkeÌuekeÀ keÀjW~ SkeÀ ��"��#�!� heoe|Mele nesiee~ ³eefo Deehe Deheves Jeesì keÀer hegeqä keÀjvee ®eenW lees 'þerkeÀ' hej eqkeÌuekeÀ keÀjW Dev³eLee DeehekeÀe Jeesì yeoueves kesÀ efueS `jÎ’ hej eqkeÌuekeÀ keÀjW Deewj leovegmeej Dehevee Jeesì yeoueW~

(xvi) mebkeÀuhe hej Deheves Jeesì keÀer hegeqä keÀjves hej DeehekeÀes Dehevee Jeesì yeoueves keÀer Devegceefle veneR nesieer~

(xvii) DeehekesÀ Üeje keÀer ieF& JeeseEìie keÀe eEheì DeeGì efvekeÀeueves nsleg Deehe JeeseEìie hespe hej `cegefêle keÀjves kesÀ efueS efkeÌuekeÀ keÀjW’ efJekeÀuhe hej eqkeÌuekeÀ keÀj mekeÀles nQ~

(xviii) ³eefo [ercewì Keelee OeejkeÀ heemeJe[& Yetue ie³ee nes lees ³etpej DeeF&[er Deewj Fcespe JesefjefHeÀkesÀMeve keÀes[ keÀer heéfJeeqä keÀjW Deewj HeemeJe[& Yetue ieS hej eqkeÌuekeÀ keÀjW Deewj efmemìce pees y³eewjs ceebies GvekeÀer heéfJeeqä keÀjW~

� iewj-SkeÀue Mes³ejOeejkeÀ Deewj keÀmìesef[³eve kesÀ efueS veesì

� iewj SkeÀue Mes³ej OeejkeÀ (DeLee&le SkeÀue J³eefÊeÀ, S®e³etSHeÀ, SveDeejDeeF& Deeefo mes e fYeVe) Deewj keÀmìese f[³eve keÀe s www.evotingindia.com hej uee@ie Dee@ve keÀjvee nesiee Deewj keÀe@jheesjsì kesÀ ªhe ceW hebpeerke=Àle keÀjvee nesiee~

6


� A scanned copy of the Registration Form bearing the stamp and signature of the entity should be emailed to [email protected] and CC to [email protected]

� After receiving the login details a compliance user should be created using the admin login and password. The Compliance user would be able to link the accounts(s) for which they wish to vote on.

� The list of accounts should be mailed to [email protected] and on approval of the accounts they would be able to cast their vote.

� A scanned copy of the Board Resolution and Power of Attorney (POA) which they have issued in favour of the Custodian, if any, should be uploaded in PDF format in the system for the scrutinizer to verify the same.

(xix) 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].

(xx) Shareholders holding multiple folios / demat account shall choose the voting process separately for each folios / demat account. However, shareholder may please note that in terms of Section 3 (2E) of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, no shareholder other than Government of India is allowed to exercise voting rights in excess of 10% of the total shareholding of the Bank.

(xxi) The results of remote e-voting will be announced by the Bank at its website and also informed to the stock exchanges.

(xxii) Kindly note that once you have cast your vote you cannot modify or vote on voting at the Extraordinary General Meeting. However, you can attend the meeting and participate in the discussions, if any.

(xxiii) You can also update your mobile number and e-mail ��+��"��#��used for sending future communication(s).

10. Voting at the Meeting After the agenda item has been discussed, the Chairman

will order Voting in respect the item on the agenda. Members attending the meeting and who have not cast their vote by remote e-voting shall be able to exercise their voting right at the meeting through Voting. Voting will be conducted and supervised under Scrutinizer appointed for the purpose. After conclusion of the Voting, the Chairman may declare the meeting as closed.

11. The Results of the Poll aggregated with the results of e-voting will be announced by the Bank on its website and also informed to the stock exchanges and the CDSL, the evoting agency.

By order of the Board

Place : Mumbai (Melwyn Rego) Date : 14.06.2016 Managing Director & CEO

� � �� mebmLee keÀe mìeche Deewj nmlee#ej meefnle hebpeerkeÀjCe HeÀece& keÀer mkewÀve keÀer ngF& heéfle helpdesk.evoting@cdslindia-com keÀes F& cesue keÀer peeveer ®eeefnS efpemekeÀer heefleefueefhe [email protected] keÀes Yespeer peeS~

� � �� uee@ie Fve y³eesje heéhle keÀjves kesÀ he½eele S[efceve uee@ieFve Deewj heemeJe[& keÀe he´³eesie keÀjkesÀ SkeÀ Devegheeueve ³etpej me=efpele keÀjvee nesiee~ Devegheeueve ³et]pej Gve KeeleeW keÀes eEuekeÀ keÀj mekesÀiee efpemekesÀ efueS Jes Jeesì keÀjvee ®eenles nQ~

� � �� Keeles keÀer met®eer helpdesk.evoting@cdslindia-com keÀes cesue keÀer peeS Deewj KeeleeW kesÀ Devegceesove nesves hej Jes Dehevee Jeesì os mekeWÀies~

� GvekeÀes keÀmìesef[³eve kesÀ he#e ceW peejer yees[& mebkeÀuhe Deewj hee@Jej Dee@HeÀ Deìveea (heerDeesS) keÀer mkewÀve heéfle, ³eefo keÀesF& nes, heer[erSHeÀ HeÀe@cexì ceW efmemìce ceW uees[ keÀjvee nesiee leeefkeÀ m¬etÀefìveeFpej FmekeÀer peeb®e keÀj mekesÀ~

(xix)� F&-JeeseEìie kesÀ mebyebOe ceW ³eefo keÀesF& he´Mve ³ee mecem³ee nw lees Deehe DekeÌmej hetís ieS he´Mve (SHeÀSkeÌ³et) Deewj www.evoting.com ceW GheueyOe nsuhe KeC[ kesÀ lenle F&-JeeseEìie cewvegDeue keÀe meboYe& ues mekeÀles nQ DeLeJee [email protected] keÀes F& cesue efueKe mekeÀles nQ~

(xx) yeng HeÀesefue³ees/[ercewì Keelee Oeeefjle Mes³ejOeejkeÀ hel³eskeÀ HeÀesefue³ees/[ercewì Keeles kesÀ efueS he=LekeÀ ªhe mes JeeseEìie heef¬eÀ³ee keÀe ®e³eve keÀjWies~ leLeeefhe, Mes³ejOeejkeÀ ke=Àhe³ee veesì keÀjW efkeÀ yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece, 1970 keÀer Oeeje 3(2F&) kesÀ Devegmeej Yeejle mejkeÀej keÀes íesæ[keÀj keÀesF& Yeer Mes³ejOeejkeÀ yeQkeÀ keÀer kegÀue Mes³ejOeeefjlee kesÀ 10% mes DeefOekeÀ kesÀ JeeseEìie DeefOekeÀej keÀe he³eesie vener keÀj mekeÀlee nw~

(xxi) efjceesì F&-JeeseEìie kesÀ heefjCeece keÀer Iees<eCee yeQkeÀ Üeje Deheveer JesyemeeFì hej keÀer peeSieer Deewj mìe@keÀ SkeÌme®eWpeeW keÀes Yeer metef®ele efkeÀ³ee peeSiee~

(xxii) ke=Àhe³ee veesì keÀjW efkeÀ SkeÀ yeej Jeesì osves kesÀ yeeo Deehe Gmes yeoue veneR mekeÀles ³ee DemeeOeejCe Deece yewþkeÀ ceW Jeesì veneR os mekeÀles nQ~ leLeeefhe Deehe yewþkeÀ ceW GheeqmLele jn mekeÀles nQ Deewj efJe®eej-efJece&Me, ³eefo keÀesF& nes, ceW menYeeefielee keÀj mekeÀles nQ~

(xxiii) Deehe HeÀesefue³ees ceW ³et]pej heésHeÀeFue y³eesjs ceW Dehevee ceesyeeFue vebyej Deewj F&-cesue DeeF&[er DeÐeeflele keÀj mekeÀles nQ efpemekeÀe Ghe³eesie YeefJe<³e ceW mebmet®eveeSb Yespeves kesÀ efueS efkeÀ³ee peeSiee~

10. meYee ceW celeoeve

keÀe³e&met®eer ceo hej ®e®ee& kesÀ he½eele, DeO³e#e keÀe³e&met®eer keÀer ceo kesÀ mebyebOe ceW celeoeve keÀe DeeosMe oWies~ yewþkeÀ ceW GheeqmLele meom³e Deewj efpevneWves efjceesì F&-JeeseEìie kesÀ peefjS GvekeÀe Jeesì veneR efo³ee nw Jes yewþkeÀ ceW celeoeve kesÀ peefjS Deheves celeoeve DeefOekeÀej keÀe he´³eesie keÀj mekeWÀies~ Fme he´³eespeve nsleg efve³egÊeÀ efkeÀS peeves Jeeues peeb®ekeÀlee&DeeW kesÀ he³e&Jes#eCe ceW celeoeve nesiee~ celeoeve kesÀ he½eele DeO³e#e yewþkeÀ keÀer meceeeqhle keÀer Iees<eCee keÀj mekeÀles nQ~

11. celeoeve kesÀ heefjCeece kesÀ meeLe mebkeÀefuele F&-JeeseEìie kesÀ heefjCeeceeW keÀer Iees<eCee yeQkeÀ Deheves JesyemeeFì hej keÀjsiee Deewj GmekeÀer met®evee mìe@keÀ SkeÌme®eWpeeW keÀes osiee~

efveosMekeÀ ceb[ue kesÀ DeeosMe mes

mLeeve : cegbyeF& (cesueefJeve jsiees)efoveebkeÀ : 14.06.2016 heýebOe efveosMekeÀ SJeb meerF&Dees

7


efveosMekeÀ ceC[ue 31 cee®e& 2016 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ keÀer uesKeehejeref#ele uesKee efJeJejCe Deewj vekeÀoer he´Jeen efJeJejCe kesÀ meeLe Jeee|<ekeÀ efjheesì& men<e& he´mlegle keÀjlee nw ~

keÀe³e&efve<heeove:Iejsuet keÀejesyeej:�� keÀemee peceejeefMe³eeW ceW Je<e&-oj-Je<e& DeeOeej hej 11.84% keÀer Je=ef× ngF&, Smeyeer

peceejeefMe³eeW ceW 12.54% Deewj meer[er peceejeefMe³eeW ceW 8.04% keÀer Je=ef× ngF&~ Iejsuet peeceejeefMe³eeW ceW keÀce ueeiele keÀer peceejeefMe³eeb keÀer efnmmesoejer pees ³eLee 31.03.2015 keÀes 29.48% Leer, megOejkeÀj 31.07.2016 keÀes 34.18% nes ieF&~

��G®®e ueeiele Jeeueer peceejeefMe³eeW keÀes keÀce keÀjves keÀer nceejer keÀe³e&veerefle kesÀ HeÀuemJeªhe Iejsuet peceejeefMe³eeb 5.20% IeìkeÀj ` 3,98,000 mes ` 3,77,309 keÀjesæ[ nes ieF&~kegÀue ceer³eeoer peceejeefMe³eeW ceW ` 1 keÀjesæ[ mes keÀce keÀer ceer³eeoer peceejeefMe³eeW (efjìsue peceejeefMe³eeW) keÀer efnmmesoejer Je<e& oj Je<e& DeeOeej hej 56% mes yeæ{keÀj 71% nes ieF&~

�� Deefiece ves 7.23% keÀer vekeÀejelcekeÀ Je=ef× ope& keÀjles ngS `.2,89,515 keÀjesæ[ mes ` 268,579 keÀjesæ[ nes ieF& keÌ³eeWefkeÀ oyeeJeiemle Deeeqmle³eeW keÀer Jemetueer Deewj Dehe-ies[sMeve hej Deewj efjìsue Deeeqmle³eeW kesÀ he#e ceW yeefn³eeW kesÀ hegve:legueve hej O³eeve efo³ee ie³ee~ efjìsue Deeeqmle³eeW keÀer efnmmesoejer Je<e&-oj-Je<e& DeeOeej hej 44% mes yeæ{keÀj 49% nes ieF& peyeefkeÀ keÀejheesjsì $eÝCe Dehes#eevegmeej 56% mes IeìkeÀj 51% nes ie³ee~

�� heéLeefcekeÀlee #es$e GOeej, mecee³eesefpele efveJeue yeQkeÀ $eÝCe keÀe 35.78% Deewj mecee³eesefpele efveJeue yeQkeÀ $eÝCe ceW ke=Àef<e $eÝCe keÀer efnmmesoejer 17.27% nw~

� ³eespeveeye× efjìsue $eÝCeeW ceW 10.61% Je=ef× ngF& Deewj ³en ` 34,153 keÀjesæ[ mes yeæ{keÀj `.37,777 keÀjesæ[ nes ie³ee~

� meceie ªhe ceW, Iesjuet keÀejesyeej ceW 6.05% keÀer keÀceer DeeF& nw Deewj efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve ` 6,87,515 keÀjesæ[ mes ` 6,45,888 keÀjesæ[ hej hengB®e ie³ee nw~

efJeosMeer keÀejesyeej:�� efheíues Je<e& kesÀ 13.65% keÀer Je=ef× keÀer leguevee ceW efJeÊeer³e Je<e& 2015-16 kesÀ

oewjeve efJeosMeer keÀejesyeej ceW 2.87% keÀer keÀceer DeeF& nw~

JeweféekeÀ keÀejesyeej:�� efheíues Je<e& kesÀ 10.60% keÀer leguevee ceW efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve JeweféekeÀ

keÀejesyeej ceW 5.19% keÀer efiejeJeì DeeF& nw~ kegÀue keÀejesyeej efceÞe (pecee+Deefieće) ` 8,94,667 keÀjesæ[ hej hengB®e ieF& efpemeceW ` 48,966 keÀjesæ[ keÀer keÀceer DeeF&~

�� kegÀue peceejeefMe ³eLee 31.03.2015 keÀes ` 5,31,907 keÀjesæ[ mes IeìkeÀj ³eLee 31.03.2016 keÀes ` 5,13,005 keÀjesæ[ nes ieF& pees 3.55% Je=ef× ceW keÀceer nw~

�� Deefieće ³eLee 31.03.2015 keÀes ` 4,11,726 keÀjesæ[ mes IeìkeÀj ³eLee 31.03.2016 keÀes ` 3,81,662 keÀjesæ[ nes ieF& pees 7.30% Je=ef× ceW keÀceer nw~

efJeÊeer³e ceeveoC[

��heefj®eeueve ueeYe ` 6,036 keÀjesæ[ Deewj efveJeue neefve ` 6,089 keÀjesæ[~

yeemesue III Devegheele: meerF&ìer1 leLee meermeeryeer 6.125% kesÀ v³etvelece efveOee&efjle mlej keÀer leguevee ceW 7.97% hej jne,efì³ej 1 7.625% kesÀ v³etvelece efveOee&efjle mlej keÀer leguevee ceW 9.03% jne Deewj hetbpeer he³ee&hlelee Devegheele DeejyeerDeeF& Üeje efvee|oä (yeemesue III kesÀ lenle) 9.625 % keÀer leguevee ceW 12.01 % jne~

��efveJeue ceeefue³ele `.20,172.03 keÀjesæ[ hej jner ~

��heéfle Mes³ej yener cetu³e ³eLee 31.03.2016 keÀes ` 262.77 jner ~

� ³eLee 31.03.2016 keÀes mekeÀue SveheerS Devegheele 13.07 % jne~

� ³eLee 31.03.2016 keÀes efveJeue SveheerS Devegheele 7.79 % jne~

Je<e& 2015-16 kesÀ efueS yeQkeÀ kesÀ efJeÊeer³e keÀe³e&efve<heeove keÀe meb#eshe veer®es efo³ee ie³ee nw~

(` keÀjesæ[ ceW)

efJeJejCe 2014-15 2015-16 Je=ef× (%)efveJeue y³eepe Dee³e 11344 11724 3.35

iewj-y³eepe Dee³e 4233 3653 -13.70

heefj®eeueve J³e³e 8089 9342 15.48

heefj®eeueve ueeYe 7488 6036 -19.39

heéJeOeeve / DeekeÀeqmcekeÀleeSb 5779 12125 109.81

efveJeue ueeYe 1709 -6089 -456.29

heéfle Mes³ej Dee³e (`) 26.57 -83.01 -412.42

heéfle Mes³ej yener cetu³e (`) 398.02 262.77 -33.73

FeqkeÌJeìer hej heéfleHeÀue (%) 6.70 -25.39

Deewmele Deeeqmle³eeW hej heéfleHeÀue (%)

0.27 -0.94

hećegKe efJeÊeer³e Devegheele veer®es efo³ee ie³ee nw~ (heéfleMele %)

ceeveoC[ 2014-15 2015-16 Deefieće hej Dee³e 8.36 8.28efveJesMe hej Dee³e 8.08 7.81efveefOe³eeW hej Dee³e 7.13 6.87pecee jeefMe³eeW keÀer ueeiele 5.70 5.25efveefOe³eeW keÀer ueeiele 5.27 4.95efveJeue y³eepe ceee|peve 2.11 2.11heefj®eeueve J³e³eeW kesÀ heéfle iewj y³eepe Dee³e 52.33 39.10Deewmele keÀe³e&Meerue efveefOe kesÀ heéfle Dev³e Dee³e 0.66 0.57Deewmele keÀe³e&Meerue efveefOe kesÀ heéfle heefj®eeueve J³e³e 1.33 1.54Deewmele keÀe³e&Meerue efveefOe kesÀ heéfle mìeHeÀ J³e³e 0.82 0.88Deewmele keÀe³e&Meerue efveefOe keÀer leguevee ceW Dev³e heefj®eeueve J³e³e

0.51 0.66

Deeeqmle Ghe³eesie Devegheele 1.23 0.99kegÀue Dee³e keÀer leguevee ceW iewj-y³eepe Dee³e 8.88 8.04efveJeue Dee³e keÀer leguevee ceW iewj-y³eepe Dee³e 27.17 23.75ueeiele- Dee³e Devegheele hej ueeiele 51.93 55.72

keÀejesyeej henue:

��Yeejle mejkeÀej kesÀ ’meYeer kesÀ efueS DeeJeeme (Menjer)“ efceMeve henue pees 2015-2022 kesÀ oewjeve keÀe³ee&eqvJele keÀer pee jner nw efpemeceW Je<e& kesÀ oewjeve heÓeeveceb$eer DeeJeeme ³eespevee Megª keÀjkesÀ yeQkeÀ ves menYeeefielee keÀer~

��Yeejle mejkeÀej kesÀ keÀewMeue efJekeÀeme henue keÀes yeæ{eJee osves kesÀ efueS yeQkeÀ ves heÓeeveceb$eer keÀewMeue $eÝCe ³eespevee (keÀewMeue $eÝCe ³eespevee) DeejbYe keÀer nw~

��heÓeeveceb$eer jes]peieej me=peve keÀe³e&¬eÀce (heerSceF&peerheer) kesÀ lenle yeQkeÀ ves ` 65 keÀjesæ[ meercee meefnle 1,108 KeeleeW keÀes cebpetjer oer~

efveosMekeÀ efjheesì& keÀer efJeMes<eleeSB

8


��heÓeeveceb$eer cegêe ³eespevee (heerSceSceJeeF&) kesÀ Debleie&le yeQkeÀ ves 3,76,486 Keeles Keesues nQ Deewj ³eespevee kesÀ Debleie&le ` 2,752.28 keÀjesæ[ mebefJeleefjle keÀer ieF&~

��Je<e& kesÀ oewjeve 17,998 ueeYeee|Le³eeW keÀes cegêe keÀe[& Yeer efo³es ieS

��mìwC[ Dehe Fbef[³ee keÀe³e&¬eÀce kesÀ lenle yeQkeÀ ves Deye lekeÀ 32 Keeles Keesues nQ efpemekeÀer cebpetjer meercee ` 546 ueeKe nw~

��heÓeeveceb$eer keÀewMeue efJekeÀeme ³eespevee (PMKVY) kesÀ Debleie&le íe$eeW/heéfMe#egDeeW kesÀ Keeles Keesueves kesÀ efueS yeQkeÀ ves heerScekesÀJeerDeeF& Dee@veueeFve heesì&ue DeejbYe efkeÀ³ee nw~

�� íe$eeW kesÀ efueS efMe#ee $eÝCe nsleg eEmeieue eEJe[es meesu³etMeve osves kesÀ efueS Yeejle mejkeÀej keÀer SkeÀ henue efJeÐee ue#ceer heesì&ue kesÀ meeLe nceejs heefj®eeueve efmemìce keÀes SkeÀerke=Àle keÀjves Jeeuee nceeje yeQkeÀ henues kegÀí yeQkeÀeW ceW mes SkeÀ nw~

��yeQkeÀ Deejmesìer kesÀ peefjS heéfMe#eCe keÀe³e&¬eÀceeW Deewj keÀe³e&Meerue hetbpeer keÀer J³eJemLee kesÀ peefjS DeefOekeÀ jes]peieej me=peve kesÀ efueS GÐeceer kesÀ ªhe ceW Smemeer/Smeìer ³egJeeDeeW keÀe nwC[neseÅu[ie/efJeÊehees<eCe Deewj yeæ{eJee os jne nw~

��jeäer³e keÀewMeue efJekeÀeme efveiece (NSDC) heefj³eespevee kesÀ efueS yeermeer vesìJeke&À keÀe he³eesie~

��yeQkeÀ keÀe cenejeä^ mesume ìwkeÌme efJeYeeie Deewj ìer yees[&, heeq½ece yebieeue kesÀ meeLe jep³eeW ceW ¬eÀceMe: mesume ìwkeÌme/Jewì kesÀ mebień Deewj ®ee³e LeeskeÀ keÀer veerueeceer kesÀ efueS ìeF&-Dehe J³eJemLee nw~

��yeerDeesDeeF&* F&]peer hes - J³eefÊeÀ mes J³eefÊeÀ hescesCì meesu³etMeve - 01.04.2015 mes DeejbYe keÀer ieF&~

��©hes huesefìvece keÀe[& Megª efkeÀS ieS ~

��petve 2015 ceW Scme YegJeveséej Deewj heìvee kesÀ efueS heérhes[ keÌueesm[ ³et]pej ie´the (meer³etpeer) megefJeOee Megª keÀer ieF&~

��veF& efJeefMeäleeDeeW kesÀ meeLe huewefìvece ¬esÀef[ì keÀe[& Megª efkeÀS ieS~

��SveDeejDeeF& Deewj pees ueesie DeeF&ìer efJeJejCeer veneR os mekeÀles GvekesÀ efueS efmekeÌ³eg[& ¬esÀef[ì keÀe[& megefJeOee (efheéfJeuespe Deewj efheéfJeuespe hueme) DeejbYe efkeÀ³ee~

��Jee|Oele efJeefMeäleeDeeW kesÀ meeLe efJe]pee vesìJeke&À kesÀ Debleie&le efye]pevesme [sefyeì Deewj ¬esÀef[ì keÀe[& DeejbYe efkeÀS ieS ~

��efjuee³evme ceveer SkeÌmehesme (³etHeÀmì&) kesÀ meeLe efceuekeÀj keÀes yewC[s[ heer-hew[ keÀe[&-efieHeÌì keÀe[&, meeceev³e he³eespeve keÀe keÀe[&, keÀejheesjsì efieHeÌì keÀe[& DeejbYe efkeÀS ieS~

��ceF& 2015 ceW Sce-efJe]pee SkeÀ ceesyeeFue mes ceesyeeFue Yegieleeve meceeOeeve - J³eefÊeÀ mes ce®exvì hescesvì meesu³etMeve DeejbYe keÀer ieF&~ peuoer ner oes ceneveiejeW ceW DeejbYe keÀer peeSieer~

��keÀe[& kesÀ efueS OeesKeeOeæ[er peesefKece heýebOeve heĆeeueer keÀe³e&eqvJele keÀer ieF&~

��SmeSceSme DeeOeeefjle ceesyeeFue efj®eepe& megefJeOee DeejbYe keÀjvee heéf¬eÀ³eeOeerve nw~

hetBpeerJe<e& kesÀ oewjeve, yeQkeÀ ves mesyeer (hetbpeer efveie&ce Deewj he´keÀìve DeeJeM³ekeÀleeSB) efJeefve³eceve, 2009 kesÀ efJeefve³ece 76(1) kesÀ DevegmejCe ceW ` 10 he´l³eskeÀ kesÀ 15,16,43,949 FeqkeÌJeìer Mes³ej keÀe DeefOeceeveer Deeyebìve efkeÀ³ee nw efpemekeÀe y³eesje efvecveevegmeej nw :

Deeyebìve keÀer leejerKe

MeskeÀejOeejkeÀ kesÀ veece FeqkeÌJeìer Mes³ej keÀer mebK³ee

Heéfle Mes³ej Heérefce³ece (` ceW)

jeefMe

30.09.2015 Yeejle mejkeÀej 12,70,04,655 183.30 2,455.00

05.01.2016 Yeejleer³e peerJeve yeercee efveiece

2,00,00,000 122.06 264.12

30.03.2016 pesvejue FvMegjWme keÀeheexjsMeve Dee@HeÀ Fbef[³ee

46,39,294 76.22 40.00

kegÀue 15,16,43,949 2,759.12

FmekesÀ DeefleefjÊeÀ yeQkeÀ ves Yeejle mejkeÀej mes ` 1,150 Deewj Yeejleer³e peerJeve yeercee efveiece mes ` 153.65 Mes³ej DeeJesove jeefMe nsleg heéhle efkeÀ³ee nw pees DeefOeceeveer DeeOeej hej FeqkeÌJeìer keÀe meyeqm¬eÀhMeve nw efpemekeÀe Deeyebìve 04 ceF& 2016 keÀes efkeÀ³ee ie³ee Lee~ DeejyeerDeeF& kesÀ heefjhe$eeW kesÀ Devegmeej Fmes meerDeejSDeej kesÀ he´³eespeve mes ³eLee 31.03.2016 keÀes meerF&ìer1 hetbpeer ceeveer peeSieer~

hetBpeer he³ee&hlelee:

yeemesue-III keÀer ªhejsKee kesÀ Devegmeej, yeQkeÀ keÀe hetBpeer he³ee&hlelee Devegheele 12.01% Lee pees 9.625-% keÀer efJeefve³eecekeÀ DeeJeM³ekeÀlee mes DeefOekeÀ Lee~

hetBpeer he³ee&hlelee (yeemesue II Deewj yeemesue III ) keÀe y³eesje efvecveevegmeej nw:-

efJeJejCe

yeemesue - II yeemesue -III

31.03.2015 31.03.2016 31.03.2015 31.03.2016

jeefMemeerDeejSDeej

(%)jeefMe

meerDeejSDeej (%)

jeefMemeerDeejSDeej

(%)jeefMe

meerDeejSDeej (%)

meerF&ìer 1 Hetbpeer 26,091 7.18 27,385 7.97

DeefleefjÊeÀ efì³ej - 1 Hetbpeer 3,618 1.00 3,662 1.06

effì³ej I HetBpeer 29,864 8.23 25,509 7.57 29,709 8.17 31,047 9.03

effì³ej II HetBpeer 11,554 3.19 15,097 4.48 9,289 2.56 10,242 2.98

kegÀue 41,418 11.42 40,606 12.05 38,998 10.73 41,289 12.01

peesefKece Yeeefjle Deeeqmle³eeb 3,62,726 3,36,943 3,63,523 3,43,754

` keÀjesæ[ ceW

9


hegjmkeÀej SJeb mecceeve:

��FkeÀe@veesefcekeÀ ìeFcme Üeje Je<e& 2015 ceW heerSme³et yeQkeÀeW ceW mes yeQkeÀ Dee@]HeÀ Fbef[³ee keÀes ’meskeÀv[ ceesmì ì^mìs[ ye´wC[“ ceevee ie³ee~

��DeeF&heerSmeDeesSme meJex - Yeejle kesÀ meyemes DeefOekeÀ heÝeeJekeÀejer yeéb[ kesÀ Debleie&le meYeer yeéb[es ceW yeQkeÀ Dee@HeÀ Fbef[³ee keÀes 23Jeeb mLeeve Deewj SmeyeerDeeF& kesÀ yeeo otmeje~

��F&uesìdme efce[er³ee - meJe&Þesÿ efJeÊeer³e meceeJesMeve henue kesÀ efueS yeerSHeÀSmeDeeF& ueer[jefMehe DeJee[&~

��DeeF&[erDeejyeerìer yeQeEkeÀie SkeÌmeueWme DeJee[& - Yeejleer³e efj]peJe& yeQkeÀ kesÀ ieJeve&j Üeje Je<e& 2015 kesÀ efueS yeæ[s yeQkeÀeW ceW efJeÊeer³e meceeJesMeve kesÀ efueS heéwÐeesefiekeÀer kesÀ he´³eesie nsleg efo³ee ie³ee~

efveosMekeÀ GÊejoeef³elJe efJeJejCe

efveosMekeÀ hegeqä keÀjles nQ efkeÀ cee®e& 31, 2016 keÀes meceehle Je<e& kesÀ efueS Jeee|<ekeÀ KeeleeW keÀes lew³eej keÀjves ceW;

keÀ ueeiet uesKee ceevekeÀeW keÀe heeueve efkeÀ³ee ie³ee Deewj cenÊJehetCe& heefjJele&ve, ³eefo keÀesF&, kesÀ efueS Gef®ele mheäerkeÀjCe efo³ee ie³ee nw;

Ke Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej yeveeF& ieF& uesKee veerefle melele ueeiet keÀer ieF&~ Gef®ele SJeb efJeJeskeÀhetCe& efveCe&³e SJeb DeekeÀueve efkeÀS ieS leeefkeÀ efJeÊeer³e Je<e& kesÀ Deble ceW yeQkeÀ kesÀ keÀe³e&keÀueeheeW kesÀ mebyebOe ceW leLee 31 cee®e&, 2016 keÀes meceehle Je<e& nsleg yeQkeÀ kesÀ ueeYe neefve Keeles kesÀ yeejs ceW mener SJeb Gef®ele ¢eqäkeÀesCe he´mlegle keÀer pee mekesÀ;

ie yeQkeÀ keÀer Deeeqmle³eeW keÀer megj#ee kesÀ efueS SJeb OeesKeeOe[er Deewj Dev³e Deefve³eefceleleeDeeW keÀe helee ueieeves SJeb GvnW jeskeÀves kesÀ efueS Yeejle ceW keÀe³e&jle yeQkeÀeW hej ueeiet keÀevetve kesÀ Devegªhe he³ee&hle uesKee efjkeÀe[eX kesÀ jKejKeeJe kesÀ efueS Gef®ele SJeb Ghe³egÊeÀ meeJeOeeveer;

Ie Jeee|<ekeÀ uesKes keÀe³e&Meerue mebmLee DeeOeej hej lew³eej efkeÀS ieS nQ;

* yeQkeÀ Üeje DevegmejCe keÀer peevesJeeueer DeebleefjkeÀ efJeÊeer³e efve³eb$eCe heĆeeueer keÀes mLeeefhele efkeÀ³ee ie³ee nw Deewj ³en efkeÀ Ssmes DeebleefjkeÀ efJeÊeer³e efve³eb$eCe he³ee&hle nQ Deewj heÝeeJeer ªhe mes heefj®eeueve ceW nQ;

®e mecemle ueeiet keÀevetve kesÀ heéJeOeeveeW kesÀ Devegheeueve keÀes megefveeq½ele keÀjves kesÀ efueS Gef®ele heĆeeueer yevee³eer ie³eer nw Deewj ³en efkeÀ Ssmeer heĆeeueer he³ee&hle nQ Deewj heÝeeJeer ªhe mes heefj®eeueve ceW nQ~

10


DIRECTORS' REPORTThe Board of Directors have pleasure in presenting the Bank’s Annual Report along with the audited statement of accounts and ��+��"��st March 2016.

PERFORMANCE:Domestic Business:�� \�j��#��;��>�>��j��

?��+�#��;��\]�#��;��;�j��+��[\�j�^��"��"��"��;��>�>��;��;�;��;

� ]�"�� #�� ;�� "� `� �� to `� ��?��?��deposits. Share of Term Deposits of less than ` 1 Crore (Retail ��^��"��"��>�>�;

�� ?�� ?�� ?��+�� ;�� "�`� ��`� ��+��"�� >?�� re-balancing of books in favour of Retail Assets. Share of ��"��>�>��+��\��"��;

�� j�� ?� �� ;�� }��\��?��\��Net Bank Credit was 17.27%.

�� j��"��\��?��+�#��;��"�`��to `��;

�� %�� ]�"�� #�� >?��+�� #�� ;�� "�`� ��`� ��?�_��;

Overseas Business:�� %��#��>?��+��#��;��?�_��

��"��?��+��;��;

Global Business:�� #�� #�� >?��+�� #�� ;�� ?� _��

��"��?��+��;��;�<��"�!�(Deposits + Advances) reached at `� ��>growth of `� ��;

�� <��#��;��"�`� ��;�;��`� ��;�;��;

�� #��;��"�`��;�;��`� ��;�;��;

Financial Parameters:�� %��?��+��`� ��}��+��`� ��

crore.� Basel III ratios : CET 1 Plus CCB was at 7.97% as against

"��"�"��#�� ;��<��+��;�� ?�� "��"�"� ��#�� ;�� *�� ;��?��;��#��#��|�[��|||^;

�� }��` ��;��;�� Book value per share was `� ��;��;�;��;�� } ��;��;�;��;�� }��} ��+��;��;�;��;

The Financial performance of the Bank for the year 2015-16 is summarised below:

(` in crore)

Particulars 2014-15 2015-16 Growth (%)

Net Interest Income �� ;��Non-Interest Income �� >�;�%��?�=!�� ;��%��?� �� >�;��Provisions / Contingencies �� 109.81}�� -6089 >��;��Earnings per share (`) ��;�� >��; >��;��Book Value per share (`) ��;� 262.77 >��;��=*��[�^ 6.70 >��;��Return on Average Assets (%) 0.27 >;��

Key Financial Ratios are presented below (In %)

Parameters 2014-15 2015-16Yield on Advances �;�� 8.28

Yield on Investment 8.08 7.81

Yield on funds �;� 6.87

Cost of Deposits �;� �;��

Cost of funds �;�� ;��

Net Interest Margin 2.11 2.11

Non-Interest Income to Operating =!��

��;�� ;

Other Income to Average Working _��

0.66 ;��

%��?�=!��?��?�_��

;�� ;��

j��=!��?��?�_��

0.82 0.88

%��%��?�=!�;��?��+��?�_��

;� 0.66

Asset Utilization Ratio ;�� 0.99

Non-Interest Income to Total Income

8.88 �;�

Non-Interest Income to Net Income 27.17 ��;��

Cost to Net Income Ratio �;�� ;��

BUSINESS INITIATIVES:�� ]��?�� "��+��

��"��|��[�%|^��$��?��[��#��^��#��?��"��"��?��>��;

�� [j�� j��"�^� �� j�� ]��"��initiatives of the GOI.

11


�� "��="��"�� ?��""��[ �=� ^��+��"��of `� ��;

�� [ ��^��#��`� ��;��#��disbursed under the scheme.

�� ]��#��?��#��?��;

�� j��>�� |�� ?��""�� +��"��`� ��;

� Bank’s PMKVY Online Portal has been launched for opening of Students/Trainees accounts under Pradhan Mantri ��~��[ ��~�^�j��"�;

� The Bank is also one of the 1st few banks to have integrated ��?��"�+��~��"�� of the GOI to provide single window solutions to students for availing Education loans.

�� <�� #�� "��?� �� ?'��?�j\'j<� �� ?�� "��"��#�� !��?� ��?� ��?��""�� ?�� j��>="��"�� <��?� |�� [�j=<|^� �� ?��?�working capital requirements.

� Use of BC network for National Skill Development \��[}j]\^��;

�� >�� ?�"�� +�� j�� <�!��"�� <�� ?�� j��<�!� '� ~�� states.

�� %|� =� �� ¡� �� "�� ¡��;�;��;

�� |�� "�\��;� Rolled out Closed User Group (CUG) Pre-paid Cards for

AIIMS Bhubaneswar and Patna.� Introduced Platinum Credit Cards with enhanced revamped

features.� Rolled out Secured Credit Cards (Privilege and Privilege

Plus) for NRI and individuals who are not able to furnish IT Returns.

� Business Debit & Credit Cards with enhanced features launched under Visa network.

�� \�>#�� \��>��\�� Cards and Corporate Gift Cards in partnership with Reliance ��=!��[��_��^��;

�� "~�� >� �� "�#�� "�#�� "�� >� ��"��"�� +�� ;��?��+��;

�� |"��"��_��?�"��"��;�� |��j�j�#��#��?��

process.

CAPITAL]��?� �� "�� "�� =*�� j�� ` 10 each in accordance with the regulation 76(1) of SEBI (Issue of Capital and Disclosure ��*��"��^� ��?�� +�� under:

(` in crore)Date of

AllotmentName of the Shareholder

No. of equity shares

Premium per share (in `)

Amount

�;�;�� Government of India

�� ;� ��;

�;;�� Life Insurance Corporation of India

�� 122.06 ��;�

�;�;�� General Insurance Corporation of India

�� 76.22 �;

Total 15,16,43,949 2,759.12

The Bank has received `� �� "� ��"�� India and `� ��;�� "� �� |��\��|�� +�� "�� #�� *�� #�� "�� +�� #��"�� th� �� ;� <�� "�� \=<� �� \�� ;�;�� +�� |�circulars.

CAPITAL ADEQUACY:�� |||� ��"�+�� \�� *��

�� +�� ;�� +�� ?�� ?��*��"��;��;

�� ]��\��*��[��j=��||��|||^��{(` in crore)

Particulars

BASEL – II BASEL – III

31.03.2015 31.03.2016 31.03.2015 31.03.2016

Amount CRAR (%) Amount CRAR (%) Amount CRAR (%) Amount CRAR (%)

CET 1 Capital �� 7.18 �� 7.97

Additional Tier I Capital �� 1.00 �� 1.06

Tier I Capital �� ;�� ;�� 8.17 �� ;�

Tier II Capital �� ;� �� ;�� ;�� 2.98

Total Capital �� ;�� ;� �� ;�� 12.01

Risk Weighted Assets ��

12


Awards & Accolades:

� Bank of India has been rated as the ‘’ Second Most Trusted �� |�� "��?� j�� #�� #�� =��"��Times.

�� |��rd amongst all the brands and 2nd��!�� j�|� �"��?�� | j%j� �� |�� "��;

�� =�� >�_j|� �� +�� #�� _��Inclusion initiatives.

�� |]��<� ��}�|}�� =£\=��=}\=� ��]j� ¡� �� +�� ?�� <��?�� _��|��"��?��?��#��|��;

DIRECTORS’ RESPONSIBILITY STATEMENT:<�� ]�� "� �� {

a) The applicable accounting standards have been followed ��?�+��!��?��"��

b) The accounting policies framed in accordance with the ?�� |�� +�� ;��#��?"��"��were made so as to give a true and fair view of the state of ��

�^� ��"��*��accounting records in accordance with the provisions of applicable laws governing banks in India for safeguarding the assets of the Bank and for preventing and detecting fraud ��?��

d) Annual accounts have been prepared on a going concern #��

�^� |��"��#��+��#��+��+��*��+��?��

�^� �� "�� #�� "��with the provisions of all applicable laws and that such ��"��+��*��?��;

�


mebhetCe& heefj¢M³eJeweféekeÀ cegÎs: hetjs efJeée ceW Je=ef× keÀer ieefle cebo nw~ DeeF&SceSHeÀ Üeje peejer veJeervelece Jeu[& FkeÀevee@efcekeÀ DeeGìuetkeÀ kesÀ Devegmeej Je<e& 2016 kesÀ efueS JeweféekeÀ Je=ef× 3.2% Deewj Je<e& 2017 kesÀ efueS 3.5% Dehesef#ele nw~ SefMeDeeF& DeLe&J³eJemLee kesÀ yeer®e ®eerve keÀer Je=ef× Je<e& 2016 kesÀ efueS 6.9% ngF&& nw Deewj Je<e& 2017 ceW 6.5% nesvee Dehesef#ele nw~ ³en Dehes#ee keÀer pee jner nw efkeÀ GYejles yee]peej Deewj efJekeÀemeMeerue DeLe& J³eJemLee (EMDE) mechetCe& efJekeÀeme keÀes veer®es keÀer Deesj ues peeSiee~ efve³ee&le hej efveYe&jMeerue osMeeW hej Deewj ceeue GlheeokeÀeW hej efJeheefjle heÝeeJe nesiee~ SkeÀ Dev³e efJeefMeälee nw JewefMJekeÀ J³eeheej Je=ef× (2.8%) JeweféekeÀ DeeGìhegì Je=ef× (3.5%) mes heerís nw~

Iejsuet Deee|LekeÀ heefj¢M³e: efJeÊeer³e Je<e& 2016 kesÀ oewjeve peer[erheer 7.6% Dehesef#ele nw Deewj efJeÊeer³e Je<e& 2017 kesÀ efueS Je=ef× keÀe hetJee&vegceeve 7.90% nw~ leLeeefhe neF& He´ÀerkeÌJesvMeer Fbef[kesÀìj pewmes FvpeskeÌme Dee@HeÀ Fv[mìêr³eue heés[keÌMeve (DeeF&DeeF&heer), yeQkeÀ ¬esÀef[ì keÀer Je=ef× Deewj GÐeesie Üeje #ecelee keÀe he´³eesie meblegueve oMee& jne nw~ heC³e kesÀ cetu³e ceW efiejeJeì ves ®eeuet Keeles ceW Ieeìs keÀes efve³ebef$ele jKee nw pees efJeÊeer³e Je<e& 16 kesÀ efueS peer[erheer keÀe 1.3% Dehesef#ele nw~

meerheerDeeF& Deewj [yu³etheerDeeF& cegêemHeÀerefle De®íer nw~ heC³e kesÀ cetu³eeW ceW keÀceer kesÀ keÀejCe cegêemHeÀerefle keÀce jner~ ³en Dehes#ee keÀer peeleer nw efkeÀ efJeÊeer³e Je<e& 2017 kesÀ efueS mejkeÀej jepekeÀes<eer³e Ieeìs keÀe ue#³e peer[erheer keÀe 3.5 heefleMele hetje keÀjsiee~ cegêemHeÀerefle keÀce jnves Deewj jepekeÀes<eer³e meceskeÀve kesÀ he³eeme kesÀ keÀejCe Dehewue 2016 ceW jshees jsì keÀes 0.25 yeerheerSme IeìekeÀj 6.50% efkeÀ³ee ie³ee Deewj jsheer-efjJeme& jshees- SceSmeSHeÀ keÀe@jes[esj kesÀ yeer®e yewC[ keÀes 2% mes keÀce keÀjkesÀ 1% efkeÀ³ee ie³ee leeefkeÀ y³eepe oj ceW DeeqmLejlee v³etvelece nes~

JeemleefJekeÀ #es$e ceW hee@Jej, keÀes³euee, Keveve, efyepeueer Deewj meerceWì KeC[ ceW heÝeeJehetCe& keÀoce GþeS ieS nQ~ efJeosMeer he´l³e#e efveJesMe ceeveoC[ keÀes Goejerke=Àle efkeÀ³ee ie³ee nw Deewj keÀejesyeej keÀes Deemeeveer mes keÀjves kesÀ efueS peesjoej he´³eeme efkeÀS ieS nQ~ heÓeeveceb$eer peve-Oeve ³eespevee kesÀ lenle 200 efceefue³eve kesÀ DeefOekeÀ ueesieeW kesÀ efueS yeQkeÀ Keelee yevee³ee ie³ee nw~

yeQeEkeÀie #es$e: peneB lekeÀ yeQeEkeÀie GÐeesie keÀe mebyebOe nw efJeÊeer³e Je<e& 16 ceW megOeej kesÀ yeeo Jeeuee keÀeue Del³eefOekeÀ ®egveeweflehetCe& Je<e& jne nw~ meYeer Devegmetef®ele JeeefCeeqp³ekeÀ yeQkeÀeW ves keÀejesyeej ceW 10-11 heéfleMele Je=ef× ceW keÀceer ope& keÀer nw~ yeQkeÀ kesÀ Deeeqmle iegCeJeÊee hej efJeefYeVe keÀejCeeW mes yegje Demej ngDee nw pewmes JeweféekeÀ Deee|LekeÀ ceboer, efve³ee&le ceW keÀceer, DeeJeM³ekeÀ Devegceesove heéhle ve nesves kesÀ keÀejCe ªkeÀer ngF& DeeOeejYetle Deewj meæ[keÀ heefj³eespevee, efJeefve³eecekeÀ menveMeeruelee keÀer keÀceer Deewj DeejyeerDeeF& Üeje SkeÌ³etDeej DeejbYe keÀjvee leLee keÀejesyeej ceW DeelceefJeéeme keÀer keÀceer~

SkeÀ lejHeÀ ueeYeheólee kesÀ he#e ceW yeQkeÀ kesÀ keÀe³e&efve<heeove ceW keÀceer DeeF& nw otmejer lejHeÀ veerefle³eeW ceW keÀeHeÀer mebK³ekeÀ heefjJele&ve ngS nQ~ mejkeÀej ves Fvê Oeveg<e keÀe³e&¬eÀce kesÀ lenle heefjJele&ve Megª efkeÀS Deewj yeQkeÀ yees[& y³etjes keÀer mLeehevee keÀer efpemekeÀe keÀe³e& yees[& Meemeve heĆeeueer meceskeÀve ceW megOeej keÀjvee ,SveheerS meceeOeeve Deewj yeQkeÀ kesÀ owvebefove keÀe³e& ceW Deewj mJeleb$elee osvee nw~ Ûeefmele Deeeqmle kesÀ peuo mes peuo meceeOeeve kesÀ efueS yeng heéfleef#ele yeQkeÀjhìmeer keÀes[ DeejbYe efkeÀ³ee ie³ee nw~ [erDeejìer Deewj mejHesÀmeer DeefOeefve³eceeW keÀes Deewj heÝeeJeer yeveeves kesÀ efueS DeeMeesefOele efkeÀ³ee pee jne nw~ Yeejleer³e efj]peJe& yeQkeÀ ves hescesvì SC[ mceeue efHeÀvewvme yeQkeÀeW keÀes ueeFmeWme peejer efkeÀ³ee nw~ ³etefveJeme&ue yeQkeÀeW keÀes Yeer veS ueeFmeWme efoS pee jns nQ~ Yegieleeve Deewj efveheìeve heéwÐeesefiekeÀer kesÀ #es$e ceW SveheermeerDeeF& ves ³etefveHeÀeF[ FbìjHesÀme Megª efkeÀ³ee nw Deewj Yeejle efyeue hescesvì efmemìce DeejbYe efkeÀ³ee nw~ DeejyeerDeeF& ves meerDeejSDeej keÀer ieCevee kesÀ efueS hetbpeer kesÀ ªhe ceW ceeves peeves kesÀ efueS keÀeflehe³e ceoeW

heýebOeve ®e®ee& Deewj efJeMues<eCe:ceW heefjJele&ve DeejbYe efkeÀ³ee nw~ FmekesÀ meeLe ner efJeÊeer³e Je<e& 16 ceW 0.625% keÀe hetbpeer mebj#eCe yeHeÀj (Capital Conservation Buffer) DeejbYe efkeÀ³ee nw~ mecemle ªhe mes efJeÊeer³e Je<e& 16 kesÀ oewjeve yeQkeÀeW keÀer heefj®eeueve heefjeqmLeefle keÀeHeÀer ®egveeweflehetCe& jner~ Yeejle mejkeÀej ves meeJe&peefvekeÀ #es$e kesÀ yeQkeÀeW keÀes hetbpeer ueieeves, mJe-Meemeve Deeefo kesÀ ceeceues ceW hetCe& men³eeie osves keÀe Jeeoe efkeÀ³ee nw meeLe ner ³en Dehes#ee keÀer nw yeQkeÀ Deheves heefj®eeueve o#elee Deewj ueeYeheólee ceW megOeej ueeSbies~

yeQeEkeÀie #es$e - mecem³eeSb Deewj ®egveewefle³eeb: ��Yeejle ceW yeQkeÀeW ves 1 Dehe´wue 2016 mes efveefOe DeeOeeefjle GOeej ojeW hej meerceeble

ueeiele (MCLR) Dehevee³ee nw~ ³en Dehesef#ele nw efkeÀ GOeejkeÀlee&DeeW kesÀ efueS GOeej ueeiele keÀce nesiee~

� veJeervelece yeQeEkeÀie efmemìce [eìe kesÀ Devegmeej mebkeÀefuele peceejeefMe³eeb ` 97 ueeKe keÀjesæ[ Deewj meceie´ Deefieće ` 75 ueeKe keÀjesæ[ nw~ efheíues kegÀí heKeJeeæ[eW ceW peceejeefMe keÀer Je=ef×, ¬esÀef[ì keÀer Je=ef× mes keÀce jner~

��³etefveHeÀeF[ hescesvì FbìjHesÀme (UPI) kesÀ Deeves mes heéwÐeesefiekeÀer ves SkeÀ uecyeer íueebie ueer nw efpemeceW efveyee&Oe jeefMe DeblejCe Deewj Oevehe´s<eCe mesJeeSB oer peeSieer~ FmekesÀ DeefleefjÊeÀ íesìs efJeÊehees<eCe Deewj Yegieleeve yeQkeÀeW kesÀ Dee peeves mes yeQeEkeÀie kesÀ #es$e ceW heéfleYeeieer yeæ{ peeSbies~

� yeQkeÀes keÀer veF& ÞesCeer pewmes nesuemesue yeQkeÀ Deewj keÀmìesef[³eve yeQkeÀes keÀe Deevee he´mleeefJele nw peyeefkeÀ ìwhe hej ³etefveJeme&ue yeQeEkeÀie ueeFmesme efJe®eejeOeerve nw~

��peer[erheer keÀer leguevee ceW yeQkeÀ ¬esÀef[ì Deewj peceejeefMe keÀe Devegheele ®eerve pewmes Dev³e efJeÊeer³e hećegKeeW keÀer leguevee ceW Yeejle ceW keÀce nw~ FmekesÀ DeefleefjÊeÀ ìe@he 10 JeweféekeÀ yeQkeÀeW ceW mes DeYeer Yeer nceeje keÀesF& yeQkeÀ veneR nw~

� DevegYeJeer Jeefjÿ keÀee|cekeÀeW keÀer mesJeeefveJe=efÊe kesÀ keÀejCe ceeveJe mebmeeOeve heyebOeve keÀes ®egveewleer~ kegÀMeue keÀee|cekeÀes keÀes yeveeS jKeves keÀer ®egveewleer Fmes Deewj hes®eeroe yevee jner nw~

��yeoueles heéwÐeesefieleer he´Je=efÊe³eeW kesÀ meeLe leeuecesue jKeves keÀer DeeJeM³ekeÀlee nw~ yeQkeÀ, KeemekeÀj heerSmeyeer ceW neefvekeÀejkeÀ heéwÐeesefieefkeÀ³eeW keÀes íesæ[keÀj veJeesvcesMe hej O³eeve osvee nesiee~

��efJeMues<eCeelcekeÀ HeÌuewìHeÀece& ceW efveJesMe OeesKeeOeæ[er mes ye®eves ceW ceoo keÀjsiee~

keÀejesyeej meceer#ee: 1. pecee: yeQkeÀ keÀer ye®ele ceW 12.54% Je=ef× ngF& peyeefkeÀ ®eeuet peceejeefMe ceW 8.04% Je=ef×

ngF&~ Je<e& kesÀ oewjeve yeQkeÀ keÀer kegÀue peceejeefMe³eeB (Iejsuet + efJeosMeer) ` 18,902 keÀjesæ[ IeìkeÀj ` 5,13,005 keÀjesæ[ nes ieF&~ Iejsuet peceejeefMe³eeB ³eLee 31 cee®e& 2016 keÀes ` 377309 keÀjesæ[~

keÀemee: ye®ele Deewj ®eeuet peceejeefMe keÀes Meeefceue keÀjles ngS keÀemee peceejeefMe kegÀue

peceejeefMe³eeW keÀe 34.18% Lee~ keÀemee peceejeefMe ceW 11.84% Je=ef× ngF& nw~

2. Deefieće: efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve yeQkeÀ kesÀ mekeÀue Deefieće ves 7.30% keÀceer

ope& keÀer~ mekeÀue Iejsuet $eÝCe ves 7.23% keÀer vekeÀejelcekeÀ Je=ef× ope& keÀjles ngS 31.03.2015 keÀes ` 2,89,515 keÀjesæ[ mes 31.03.2016 keÀes ` 2,68,579 keÀjesæ[ nes ie³ee~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve peesefKece keÀes yeebìves kesÀ efueS heéLeefcekeÀlee heéhle #es$e Deewj efjìsue mebefJeYeeie keÀer Deesj O³eeve kesÀeqvêle efkeÀ³ee ie³ee~

�


i) heéLeefcekeÀlee heéhle #es$e Deefieće: yeQkeÀ ncesMee mes ieéceerCe Deewj DeOe&Menjer MeeKeeDeeW kesÀ Deheves ye=nle

veskeÀJeke&À SJeb mecee|hele keÀee|cekeÀeW kesÀ meeLe heéLeefcekeÀlee heéhle #es$eeW Deewj ke=Àef<e #es$eeW ceW mesJee heóeve keÀjves ceW DeieĆeer jne nw~ yeQkeÀ ves heéLeefcekeÀlee heéhle #es$e ceW `.1,04,656 keÀjesæ[ keÀe yekeÀe³ee mlej ope& efkeÀ³ee nw~

³eLee 31 cee®e& 2016 heeLeefcekeÀlee heehle #es$e keÀe yeskeÀ Dehe efvecveevegmeej nw-

(` keÀjesæ[ ceW)

³eLee 31.03.2016 keÀes jkeÀce yekeÀe³ee

ke=Àef<e 50,508

ueIeg ceO³ece GÐece 39,466

efMe#ee 3,093

DeeJeeme 10,314

Dev³e 1,275

kegÀue 1,04,656

* ©jue FvHe´Àemì^keÌ®ej [sJueheceWì ]HebÀ[ (DeejDeeF&[erS]HeÀ) meefnle

yeQkeÀ efJeMes<e ke=Àef<e ¬esÀef[ì ³eespevee kesÀ Debleie&le Je<e& kesÀ oewjeve `.27253 keÀjesæ[ mebefJeleefjle keÀj mekeÀe~

ii) efjìsue yeQeEkeÀie: yeQkeÀ ves Je<e& 2015-16 kesÀ oewjeve De®íe efjìsue ¬esÀef[ì heesì&HeÀesefue³eeW

keÀes yeveeves keÀer veerefle keÀe DevegmejCe efkeÀ³ee nw~ yeQkeÀ keÀe efjìsue ¬esÀef[ì heesì&HeÀesefue³eeW `34,153 keÀjesæ[ mes yeæ{keÀj ³eLee 31 cee®e&, 2016 keÀes `37,777 keÀjesæ[ nes ie³ee nw~ Deefieće mebefJeYeeie keÀes efjìsue GOeej kesÀ he#e ceW ®egkeÀevee Deewj keÀejheesjsì $eÝCe mebefJeYeeie keÀes keÀce keÀjvee Dehevee³ee pee jne nw~ efì³ej-I Deewj efì³ej-II MenjeW keÀes keÀJej keÀjles ngS hetjs osMe ceW yeQkeÀ kesÀ 49 efjìsue keÀejesyeej kesÀvêeW (Deejyeermeer) keÀe efjìsue DeeJeeme $eÝCe/mebheefÊe kesÀ efveefceÊe $eÝCe/Jeenve $eÝCe/efMe#ee $eÝCe kesÀ he´mleeJeeW kesÀ he´mebmkeÀjCe ceW cegK³e YetefcekeÀe efveYee³ee peevee peejer nw~

iii) SmeSceF&: SceSmeSceF& KeC[ kesÀ lenle yeQkeÀ keÀe keÀe³e&efve<heeove:-

� SceSmeF& efJeefvecee&Ce #es$e ³eLee cee®e& 2015 ceW ` 21,595 keÀjesæ[ mes IeìkeÀj ³eLee cee®e& 2016 ceW ` 19,938 keÀjesæ[ nes ie³ee (Je<e&-oj-Je<e& 7.67% vekeÀejelcekeÀ Je=ef×) ~

� SceSmeF& kesÀ lenle ceeF¬eÀes #es$e keÀer efnmmesoejer cee®e& 2015 ceW 43% mes yeæ{keÀj cee®e& 2016 ceW 44% nes ieF&~

� ceeF¬eÀes KeeleeW kesÀ mebK³ee ceW Je=ef× - 2015-16 kesÀ oewjeve ceeF¬eÀes #es$e kesÀ Debleie&le 1,79,524 KeeleeW keÀes cebpetjer oer ieF& pees 10% kesÀ DeefveJee³e& ue#³e keÀer leguevee ceW 31.03.2015 mes Je<e& 2015-16 kesÀ oewjeve 40% keÀer Je=ef× nw~

iv) keÀeheexjsì $eÝCe : hećegKe MenjeW ceW 10 ye=no keÀeheexjsì MeeKeeSb eqmLele nQ pees osMe kesÀ hećegKe

keÀeheexjsì - cegbyeF&(3 MeeKeeSB), veF& efouueer, keÀesuekeÀelee, ®esVew, yebieuegª, nwojeyeeo, Denceoeyeeo leLee hegCes keÀes mesJeeSb heóeve keÀjleer nQ~ Mes<e hećegKe keÀejesyeej kesÀvêeW ceW 33 efce[ keÀeheexjsì MeeKeeSB Deewj 30 SmeSceF& efmeefì meWìj keÀe³e& keÀj jner nQ ~

kegÀue Iejsuet Deefieće ceW ye=no keÀeheexjsì MeeKeeDeeW kesÀ peefjS ³eLee 31.03.2016 keÀes Deefieće keÀe Mes³ej 38% nw~ Suemeeryeer kesÀ Üeje keÀeheexjsì #es$e ceW Deefieće 31.03.2015 keÀes ` 1,19,675 keÀjesæ[ mes IeìkeÀj 31.03.2016 keÀes ` 1,05,133 keÀjesæ[ nes ie³ee pees efheíues Je<e& keÀer leguevee ceW 12% vekeÀejelcekeÀ Je=ef× nw ~

³eLee cee®e&,2016 kesÀ oewjeve efce[ keÀeheexjsì MeeKeeDeeW kesÀ Debleie&le kegÀue $eÝCe ` 33,128 keÀjesæ[ Lee ~

v) DeeOeejYetle mebj®evee efJeÊehees<eCe : efJeÊeer³e Je<e& 2016 kesÀ oewjeve yeQkeÀ ves efveefOekeÀ DeeOeeefjle meercee ceW

`5737 keÀjesæ[ Deewj iewj-efveefOekeÀ DeeOeeefjle meercee ceW `1762 keÀjesæ[ nw efpemes hee@Jej, otj meb®eej, ceeie&, heÊeve Deewj Dev³e DeeOeejYetle keÀes keÀJej keÀjles ngS DeeOeejYetle mebj®evee heefj³eespeveeDeeW kesÀ Debleie&le veS Deewj ceewpetoe KeeleeW ceW cebpetj efkeÀ³ee ie³ee nw~ ³eLee 31 cee®e& 2016 keÀes DeeOeejYetle mebj®evee kesÀ #es$e ceW yekeÀe³ee $eÝCe `45,935 keÀjesæ[ jne~

3. efJeÊeer³e meceeJesMeve: efJeÊeer³e meceeJesMeve ³eespevee kesÀ Debleie&le heíeefle efvecveevegmeej nQ : � Keesues ieS yesefmekeÀ ye®ele yeQkeÀ pecee KeeleeW keÀer mebK³ee : 221.56 ueeKe,

� yeerSmeyeer[er Keeles ceW kegÀue mebieéfnle peceejeefMe : ` 2909 keÀjesæ[,

� peejer peermeermeer/kesÀmeermeer : 20.83 ueeKe,

� ueieeS ieS keÀejesyeejer mebhekeÀea : 7591,

� ueieeS ieS ®ewveue cewvespeceWì heeì&vej : 5~,

� ieebJeeW keÀer mebK³ee peneb 100% efJeÊeer³e meceeJesMeve heéhle :4,404,

� DeeF&meerìer-yeermeer kesÀ peefjS mebJ³eJenejeW keÀer mebK³ee : 155.37 ueeKe,

� mebJ³eJenefjle jkeÀce keÀer cee$e : ` 5396.88 keÀjesæ[,

� yeQkeÀ ves ³eLee 31.03.2016 keÀes 2000 mes DeefOekeÀ pevemebK³ee Jeeues Deeyebefìle 4404 meYeer ieeJeeW ceW 100% efJeÊeer³e meceeJesMeve heehle efkeÀ³ee nw Deewj ³eLee 31.03.2016 keÀes kegÀue 23058 ieebJeeW keÀes keÀJej efkeÀ³ee ie³ee nw,

� he³ee&hle peesefKece he´MeecekeÀeW SJeb meJeexÊece he´LeeDeeW Jeeueer yesnlejerve heefj®eeueve heĆeeefue³ee@b yevee³eer ieF& nQ Deewj Deceue ceW uee³eer pee jneR nQ~

heÓeeve ceb$eer peve-Oeve ³eespevee (heerScepes[erJeeF&): ��Keesues ieS yesefmekeÀ ye®ele yeQkeÀ pecee KeeleeW keÀer mebK³ee : 113.50 ueeKe,

��Keesues ieS yeerSmeyeer[er KeeleeW ceW Mes<e jeefMe : ` 1442.93 keÀjesæ[,

��peejer efkeÀS ieS ©hes keÀe[& keÀer mebK³ee : 104.48 ueeKe~

heÓeeveceb$eer yeercee Deewj heWMeve ³eespevee: HeÓeeveceb$eer megj#ee yeercee ³eespevee kesÀ Debleie&le Svejesue J³eefÊeÀ³eeW keÀer mebK³ee : 34.27 ueeKe,

HeOeeveceb$eer peerJeve p³eesefle yeercee ³eespevee kesÀ Debleie&le Svejesue J³eefÊeÀ³eeW keÀer mebK³ee : 12.56 ueeKe,

Deìue heWMeve ³eespevee kesÀ Debleie&le Svejesue J³eefÊeÀ³eeW keÀer mebK³ee: 0.95 ueeKe~

#es$eer³e ieéceerCe yeQkeÀ: yeQkeÀ kesÀ (®eej) #es$eer³e ieéceerCe yeQkeÀ (DeejDeejyeer) PeejKeb[ ieéceerCe yeQkeÀ (PeejKeC[ jep³e), Dee³e&Jele& ieéceerCe yeQkeÀ (GÊej heósMe jep³e), vece&oe PeeyegDee ieéceerCe yeQkeÀ (ceO³e heósMe) leLee efJeoYe& keÀeWkeÀCe ieéceerCe yeQkeÀ (cenejeä^ jep³e) ceW heé³eesefpele efkeÀS nQ~ ieéceerCe yeQkeÀeW keÀer meYeer MeeKeeSb Deewj he´MeemeefvekeÀ keÀe³ee&ue³e Deye meeryeerSme huesìHeÀe@ce& hej nwb~ ³en yeQkeÀ DeejìerpeerSme SveF&SHeÀìer Deewj SìerSce mesJeeSb osves ceW meceLe& nQ~ mecemle DeejDeejyeer 61 efpeueeW ceW HewÀues nQ Deewj MeeKee efJemleej 1557 nw efpevneWves ` 40,126 keÀjesæ[ keÀe efceefÞele keÀejesyeej efkeÀ³ee nw~

�


4. $eÝCe efveiejeveer:

efJeÊeer³e Je<e& 2016 ceW Deeeqmle iegCeJeÊee He´bÀì hej eE®eleeSb yeæ{er nQ efpemekesÀ efueS $eÝCe Deeeqmle³eeW keÀer DevegMeeefmele ¢eqäkeÀesCe mes efveiejeveer keÀjves keÀer peªjle nw~

yeQkeÀ keÀe MeeKee, Deb®eue, vewMeveue yeQeEkeÀie mecetn Deewj heOeeve keÀe³ee&ue³e mlej hej $eÝCe mebefJeYeeie keÀer efveiejeveer kesÀ efueS mebjef®ele mesì Dehe nw pees heejbYeer oJeeye/mebYeeJ³e ®etkeÀ/oes<e Jeeues KeeleeW keÀer hen®eeve keÀjlee nw Deewj mece³eesef®ele megOeejelcekeÀ keÀej&JeeF& uesles ngS $eÝCe mebefJeYeeie keÀer iegCeJeÊee keÀe mebj#eCe/megOeej keÀjlee nw~

5. SveheerS heýebOeve SJeb Jemetueer ë yeQkeÀ ves Je<e& 2015-16 ceW Yeer SveheerS heýebOeve #es$e ceW Deheves keÀe³e& efve<heeove

keÀes megOeejves ceW melele O³eeve keWÀefêle efkeÀ³ee nw Deewj he´³eeme efkeÀS nQ~ SveheerS ceW keÀceer keÀes yeQkeÀ ceW meJee&efOekeÀ heéLeefcekeÀlee oer ieF& nw Deewj Deee|LekeÀ heefjJesMe Deewj heefjeqmLeefle kesÀ keÀejCe efvejblej cenlJe yeæ{e nw~ Jemetueer yeæ{eves SJeb SveheerS Ieìeves kesÀ efueS he³ee&hle Ghee³e DeejbYe efkeÀS ieS nQ~ oyeeJeie´mle Deeeqmle³eeW ceW Jemetueer kesÀ he´³eeme keÀes peejer jKeves Deewj ieefle osves kesÀ efueS leerve ceneheýebOekeÀeW keÀer lewveeleer keÀer ieF& nw~ yeÆs Keeles efueKes ieS KeeleeW ceW leLee SveheerS KeeleeW ceW DeheÝeeefjle/Deheéhle y³eepe keÀer DeefOekeÀlece Jemetueer kesÀ efueS he´³eeme efkeÀS ieS nQ pees yeQkeÀ kesÀ ueeYe ceW cenlJehetCe& ªhe mes ³eesieoeve osles nQ~

efheíues 3 Je<eeX ceW yeQkeÀ ves Deeeqmle hegvee|vecee&Ce kebÀheveer (SDeejmeer) keÀes ` 7,720 keÀjesæ[ kesÀ SveheerS keÀer efye¬eÀer keÀer efpemeceW heéfleYetefle jmeero (SmeDeej) efveJesMe `

4,239 keÀjesæ[ Meeefceue nQ efpemeceW heéfleoeve 4.17% hej nw~

6. Debleje&äêr³e ë mecemle ìeFce ]peesve ceW HewÀues ngS 22 osMeeW ceW yeQkeÀ keÀer 28 MeeKeeSb, 5 heéfleefveefOe

keÀe³ee&ue³e, 5 Deveg<ebieer Deewj 1 meb³egÊeÀ GÐece Meeefceue nQ~ yeQkeÀ kesÀ JeweféekeÀ keÀejesyeej Deewj ueeYe ceW efJeosMeer heefj®eeueveeW keÀe ³eesieoeve keÀF& Je<eeX mes cenÊJehetCe& jne nw~ 31.03.2016 keÀes JeweféekeÀ keÀejesyeej ceW efJeosMeer MeeKeeDeeW keÀe efnmmee keÀjerye 28% jne~

7. keÀes<eeieej heefj®eeueve: HeÀe@jskeÌme keÀejesyeej ë yeQkeÀ Üeje efkeÀS ieS HeÀesjskeÌme keÀejesyeej ceW De®íer Keemeer Je=ef× heefjueef#ele

ngF& nw~ Je<e& 2015-16 kesÀ oewjeve, ce®eXì Deewj Fbìj yeQkeÀ ìve&DeesJej ¬eÀceMe: `1,58,337.02 keÀjesæ[ Deewj `6,28,652.95 keÀjesæ[ Lee~ yeQkeÀ HeÀe@jskeÌme keÀejesyeej ceW Deye Yeer DeieĆeer nw~ Je<e& kesÀ oewjeve yeQkeÀ kesÀ HeÀe@jskeÌme keÀejesyeej keÀe kegÀue ìve&DeesJej ` 7,86,989.97 keÀjesæ[ Lee~

8. met®evee heéwÐeesefiekeÀer: yeQkeÀ lekeÀveerkeÀer mecee|Lele mesJeeDeeW kesÀ meeLe yeQeEkeÀie ceevekeÀeW keÀe hegveve&JeerkeÀjCe keÀj

jne nw :

� Fbìjvesì yeQeEkeÀie ceW veF& efJeMes<eleeSb Dee@veueeFve veeceebkeÀve megefJeOee kesÀ meeLe ceer³eeoer peceejeefMe Keesueves keÀer megefJeOee, heerheerSHeÀ Keeles ceW Dee@veueeFve jeefMe pecee keÀjves keÀer megefJeOee, mebheke&À y³eesjs keÀes Dee@veueeFve DeÐeleve keÀjves keÀer megefJeOee~

� ³etìerefueìer efyeueeW keÀe Yegieleeve, yeercee heérefce³ece, efJeefvee|oä yeQkeÀeW kesÀ ¬esÀef[ì keÀe[& Yegieleeve, efvee|oä veiej heeefuekeÀeDeeW kesÀ mebheefÊe keÀjeW kesÀ Yegieleeve kesÀ efueS yeerDeesDeeF& F&-hes~

� Fbìjvesì yeQeEkeÀie heemeJe[& keÀe Ghe³eesie keÀj [sefyeì-men-SìerSce keÀe[& kesÀ efheve keÀe ne@ì efuemìeRie /efjmesì/Deveyuee@keÀ/heefjJele&ve keÀjvee~

� MeeKeeDeeW ceW ef[efpeìue meeFvespe heóMe&ve yees[&~

� meYeer hećegKe MeeKeeDeeW ceW F&-iewuejer efpemeceW heemeyegkeÀ eEheéEìie efkeÀDeesmkeÀ, vekeÀo mJeerkeÀej keÀjves keÀer ceMeerve, SìerSce Deewj yeukeÀ veesì SkeÌmeshìj ceMeerve GheueyOe nwb ~

9. mebJ³eJenej yeQeEkeÀie efJeYeeie ë �� ef[hee@efpeìjer mesJeeSb,

�� mìej Mes³ej ì^s[ (Mes³ej keÀer Dee@ve ueeF&ve ì^seE[ie),

�� SshueerkesÀMeve meheesìx[ yee³e yueekeÌ[ SceeGbì (SSmeyeerS),

10. Le[& heeìea Glheeo ë peerJeve yeercee nsleg ìeF&-Dehe: yeQkeÀ ves Deheves peerJeve yeercee GlheeoeW keÀer efye¬eÀer nsleg yeQkeÀ kesÀ meb³egÊeÀ GÐeceer ueeFHeÀ

FbM³eesjWme kebÀheveer mìej ³etefve³eve oeF&-®eer ueeFHeÀ FbM³eesjWme kebÀheveer efue. kesÀ meeLe Deheveer keÀe@heexjsì Spesvmeer J³eJemLee keÀes peejer jKee~ yeQkeÀ kesÀ ueieYeie 4667 keÀce&®eejer Ssmes nQ pees efJeefYeVe kesÀvêeW hej yeercee GlheeoeW keÀer efye¬eÀer kesÀ efueS ’mHesefmeHeÀeF[ Heme&ve“ kesÀ ªhe ceW keÀe³e& keÀjles nQ~

pevejue FbM³eesjWme (vee@ve ueeFHeÀ) nsleg ìeF&-Dehe: meeceev³e yeercee Glheeo efye¬eÀer keÀjves kesÀ efueS yeQkeÀ keÀe vewMeveue FbM³eesjWme kebÀ. efue.

(NICL) kesÀ meeLe keÀejheesjsì SpeWmeer mecePeewlee nw~ yeQkeÀ ieénkeÀeW keÀes mìwC[[& HeÀe³ej SJeb mhesMeue hesefjue, cesefjve, ceesìj FbM³eesjWMe pewmes efJeefYeVe he´keÀej kesÀ meeceev³e FbM³eesjWme keÀJej keÀer megefJeOeeSb os jne nw~

efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve yeQkeÀ ves SveDeeF&meerSue kesÀ efueS kegÀue ` 196.55 keÀjesæ[ keÀe heerefce³ece FkeÀùe keÀjles ngS ` 19.79 keÀjes[ keÀe keÀceerMeve Dee|pele efkeÀ³ee nw~

c³et®egDeue HebÀ[ Glheeo:yeQkeÀ 10 Deeeqmle heýebOeve kebÀheefve³eeW kesÀ efJeefJeOe c³et®egDeue HebÀ[ GlheeoeW keÀer efye¬eÀer keÀj jne nw~ yeQkeÀ ves efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve c³et®egDeue HebÀ[ keÀejesyeej kesÀ efJelejCe mes ©. 4.54 keÀjesæ[ keÀe keÀceerMeve Dee|pele efkeÀ³ee nw~

11. peesefKece heýebOeve ë yeQkeÀ Üeje keÀer peevesJeeueer he´l³eskeÀ keÀejesyeej ieefleefJeefOe ceW peesefKece efveefnle nw~

yeQeEkeÀie ieefleefJeefOe³eeb nceW yeæ[er mebK³ee ceW peesefKece ceW jKeleer nw pewmes $eÝCe, efJeheCeve, vekeÀoer, heefj®eeueveelcekeÀ keÀe³e&veerefle, Devegheeueve, heéfleÿe keÀe peesefKece Deeefo~ yeQkeÀ keÀes Fve peesefKeceeW keÀes mebYeeuevee heæ[lee nw leLee uebyeer DeJeefOe kesÀ heefjCeeceeW keÀes J³eehekeÀlee heóeve keÀjves kesÀ efueS Deeeqmle³eeW keÀer meceie´lee leLee Depe&ve keÀer iegCeJeÊee keÀes megefveeq½ele keÀjvee heæ[lee nw~

yeQkeÀ ves J³eehekeÀ peesefKece heýebOeve heĆeeueer yeveeF& nw pees peesefKeceeW keÀer hen®eeve keÀjleer nw, Ghee³e efvekeÀeueleer nw Deewj GmekeÀer osKeYeeue keÀjleer nw leLee Fve meYeer he´³eemeeW hej Gef®ele efjheesì& yeveelee nw leeefkeÀ Ieìs ngS peesefKece keÀe efJemleej heefj®eeueve keÀer efvejblejlee keÀes Kelejs ceW ve [eues~

12. efvejer#eCe leLee uesKee hejer#ee ë efJeÊeer³e mesJeeSb efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej Üeje peejer [êHeÌì

efoMeeefveoxMeeW kesÀ Devegmeej peesefKece DeeOeeefjle DeebleefjkeÀ uesKee hejer#ee, peesefKece DeeOeeefjle heýebOeve uesKee hejer#ee (Iejsuet), mebieeceer uesKee hejer#ee, met®evee heĆeeueer uesKee hejer#ee Deewj efJeosMeer MeeKeeDeeW keÀer uesKee hejer#ee keÀer veerefle³eeW keÀer meceer#ee/Gef®ele mebMeesOeve efkeÀS ieS Deewj Yeejleer³e efj]peJe& yeQkeÀ leLee yees[& keÀer uesKee hejer#ee meefceefle kesÀ efoMeeefveoxMeeW kesÀ Üeje efheíues SSHeÀDeeF& ceW yeleeS ieS #es$eeW keÀes keÀJej/mheä efkeÀ³ee ie³ee~

16


13. Devegheeueve ë Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegªhe yeQkeÀ keÀer Devegheeueve keÀe³e&veerefle

yeQkeÀ kesÀ yees[& Üeje DeheveeF& ieF& nw~ yees[& Devegceesefole Devegheeueve keÀe³e& veerefle ( yees[& Üeje efoveebkeÀ 26.02.2016 keÀes Dee³eesefpele yees[& yewþkeÀ ceW Devegceesefole ) nw~ yeQkeÀ ceW ceneheýebOekeÀ keÀer ÞesCeer kesÀ cegK³e Devegheeueve DeefOekeÀejer kesÀ vesle=lJe ceW mJeleb$e Devegheeueve efJeYeeie keÀe³e& keÀj jne nw~ yeQkeÀ keÀer meebefJeefOekeÀ, efJeefve³eecekeÀ SJeb DeebleefjkeÀ efoMeeefveoxMeeW keÀe Devegheeueve, yeQkeÀ kesÀ Iejsuet Deewj efJeosMeer oesveeW ceW Devegheeueve keÀe³e& keÀe heefj®eeueve keÀe³e& #es$e nw~ efJeYeeie ves MeeKee yeQeEkeÀie kesÀ efvecveefueefKele #es$eeW kesÀ efueS Devegheeueve efve³ece lew³eej efkeÀ³ee nw-

efpeme #es$e kesÀ efve³ece nw DeeJe=efÊe efve³eceeW keÀer meb.Deheves ieénkeÀ keÀes peeefveS/OeveMeesOeve efveJeejCe/DeelebkeÀJeeo kesÀ efJeÊehees<eCe keÀe heéflejesOe

ceeefmekeÀ 71

peceejeefMe³eeB Je mesJeeSB efleceener 61Deefieće efleceener 63SHeÀF&SceS efleceener 157

efJeYeeie hetjs Yeejle ceW ®e³eefvele MeeKeeDeeW ceW DeOe& Jeee|<ekeÀer Devegheeueve hejer#eCe keÀj jne nw Deewj FmekesÀ efve<keÀ<e& megOeej nsleg megPeeJe meefnle G®®e heýebOeve keÀes he´mlegle efkeÀS peeles nQ~ mebyebefOele Deb®eue kesÀ efueS Devegheeueve DeefOekeÀejer keÀer hen®eeve keÀer ieF& nw~ keÀF& ceeefmekeÀ efjheesìeX/hećeeCehe$eeW kesÀ peefjS yees[&/yees[& keÀer Dee@ef[ì meefceefle/G®®e heýebOeve/heÓeeve keÀe³ee&ue³e keÀes metef®ele keÀer peeleer nw~

14. jepeYee<ee: yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e ceW SkeÀ megmLeeefhele jepeYee<ee efJeYeeie nw pees yeQkeÀ ceW

jepeYee<ee efnvoer kesÀ heíeeceer he´³eesie mebyebOeer Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve megefveeq½ele keÀjlee nw~ Je<e& kesÀ oewjeve efJeYeeie ves efvecveefueefKele keÀoceeW keÀer henue keÀer:

�� yeQkeÀ ves efJeefYeVe Deb®eueeW SJeb heéfMe#eCe ceneefJeÐeeue³eeW ceW Je<e& kesÀ oewjeve kegÀue 194 efnvoer keÀe³e&MeeueeDeeW keÀe Dee³eespeve efkeÀ³ee efpeveceW 4838 mìeHeÀ meom³eeW (2514 DeefOekeÀejer SJeb 2324 efueefhekeÀ) kesÀ efnvoer Yee<ee-keÀewMeue keÀes efJekeÀefmele keÀjves nsleg heéfMe#eCe heóeve efkeÀ³ee ie³ee~

��veS Yeleea jepeYee<ee DeefOekeÀeefj³eeW kesÀ efueS mebmeoer³e jepeYee<ee he´MveeJeueer kesÀ mebyebOe ceW efJeMes<e heéfMe#eCe keÀe³e&¬eÀce keÀe Dee³eespeve efkeÀ³ee ie³ee~

��yeQkeÀ kesÀ Jeefjÿ keÀe³e&heeuekeÀeW kesÀ efueS 25.08.2015 keÀes veF& efouueer/SvemeerDeej ceW ’keÀejesyeej efJekeÀeme ceW Yee<ee keÀer YetefcekeÀe“ efJe<e³e hej SkeÀ mebieesÿer keÀe Dee³eespeve efkeÀ³ee ie³ee~ efJeYeeie Üeje SkeÀ F&-heef$ekeÀe efvekeÀeueer ieF& efpemeceW efJeefYeVe l³eewnejeW, heéfme× J³eefÊeÀ³eeW kesÀ pevce efoJeme SJeb Deblejjeäêr³e efoJemeeW hej uesKeeW keÀe mebkeÀueve Lee~ 15 Deiemle mes 14 efmelebyej 2015 lekeÀ heÓeeve keÀe³ee&ue³e Deewj meYeer Deb®eueeW ceW efnvoer ceen keÀe Dee³eespeve efkeÀ³ee ie³ee~ nceejs efJeosMeer kesÀvêeW ³eLee peewnvmeyeie&, ceescyeemee, eEmeieehegj, iuewmiees Deeefo ceW Yeer efnvoer efoJeme cevee³ee ie³ee~

15. Deej#eCe veerefle keÀe Devegheeueve: yeQkeÀ Yeejle mejkeÀej keÀer Deej#eCe veerefle keÀe hetCe&le: Devegheeueve keÀj jne nw~

heÓeeve keÀe³ee&ue³e/Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW efJeMes<e Yeleea Deewj Smemeer/Smeìer keÀ#e Deej#eCe veerefle kesÀ keÀe³ee&vJe³eve keÀer efveiejeveer keÀjves Deewj Smemeer/Smeìer keÀ#e/Deesyeermeer keÀce&®eeefj³eeW mes mebyebefOele efMekeÀe³eleeW kesÀ efveJeejCe kesÀ efueS keÀe³e&Meerue nw~ efueefhekeÀ mebJeie& mes meeceev³e yeQeEkeÀie DeefOekeÀejer mebJeie& Deewj DeefOekeÀejer mebJeie& kesÀ

Debleie&le mkesÀue I mes II Deewj mkesÀue II mes mkesÀue III kesÀ Smemeer/Smeìer GcceeroJeejeW/mìeHeÀ kesÀ efueS hejer#ee hetJe& heéfMe#eCe efo³ee peelee nw~ yeQkeÀ ves heÓeeve keÀe³ee&ue³e ceW ¬eÀceMe: Deesyeermeer Deewj Smemeer/Smeìer kesÀ efueS cegK³e mebheke&À DeefOekeÀeefj³eeW kesÀ ªhe ceW ceneheýebOekeÀ kesÀ jQkeÀ kesÀ DeefOekeÀeefj³eeW keÀes heoveeefcele efkeÀ³ee nw~ Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW Smemeer/Smeìer/ Deesyeermeer ÞesCeer kesÀ DeefOekeÀeefj³eeW keÀes mebheke&À DeefOekeÀejer/keÀ#e DeefOekeÀejer kesÀ ªhe ceW heoveeefcele efkeÀ³ee ie³ee nw~ mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegmeej heÓeeve keÀe³ee&ue³e/Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW jKes ieS heo DeeOeeefjle Deej#eCe jesmìj keÀe Jeee|<ekeÀ efvejer#eCe efkeÀ³ee peelee nw~ heÓeeve keÀe³ee&ue³e Deewj Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW mLeeefhele Smemeer/Smeìer keÀ#e Dev³e ÞesefCe³eeW pewmes YetlehetJe& keÀce&®eejer/efJeefMeä ªhe mes me#ece J³eefÊeÀ kesÀ mebyebOe ceW Deej#eCe kesÀ keÀe³ee&vJe³eve mes Yeer mebye× nw~

16. MeeKee vesìJeke&À SJeb efJemleej ë yeQkeÀ kesÀ MeeKee vesìJeke&À keÀe y³eesje efvecveevegmeej nw:-

ÞesCeer

31.03.2015 31.03.2016

MeeKeeDeeW keÀer mebK³ee

kegÀue keÀe %

MeeKeeDeeW keÀer

mebK³eekegÀue keÀe

%

ceneveiejer³e 863 17.64 872 17.39Menjer 821 16.78 835 16.64DeOe&Menjer 1317 26.92 1350 26.91ieéceerCe 1891 38.65 1959 39.03kegÀue Iejsuet MeeKeeSb 4892 100 5016 100efJeosMeer 60 60kegÀue MeeKeeSb 4952 5074Fveces mes efJeMes<eerke=Àle 271 271

17. yeQkeÀ keÀer Deveg<ebefie³eeb/mene³ekeÀ kebÀheefve³eeb/meb³egÊeÀ GÐece ë 1. Fb[es ]peeeqcye³ee yeQkeÀ efue. (DeeF&pes[yeer)

2. heerìer yeQkeÀ Dee@]HeÀ Fbef[³ee (Fb[esvesefMe³ee) ìeryeerkesÀ

3. yeQkeÀ Dee@]HeÀ Fbef[³ee (lebpeeefve³ee) efueefceìs[

4. yeQkeÀ Dee@]HeÀ Fbef[³ee (v³et]peeruewC[) efue.

5. yeQkeÀ Dee@]HeÀ Fbef[³ee (yeeslemJeevee) efue.

6. yeQkeÀ Dee@]HeÀ Fbef[³ee (³egieeb[e) efue.

7. yeerDeesDeeF& Mes³ej neseÅu[ie efue. (yeerDeesDeeF&SmeSue)

8. yeerDeesDeeF& DekeÌmee FvJesmìceWì cewvepeme& hee.efue. Deewj yeerDeesDeeF& ìmìer mee|Jemes]pe hee.efue.

9. yeerDeesDeeF& ce®exvì yeQkeÀme& efue. (yeerDeesDeeF&Sceyeer)

10. SmeìermeerDeeF& efHeÀveQme efue.

11. mìej oeF&-F®eer ueeFHeÀ FbM³eesjWme kebÀ. efue. (meg[ ueeFHeÀ)

cenlJehetCe& efveJesMe/ieþpeesæ[ ë1. meWìûe ef[hee@efpeìjer mee|Jemespe (Fbef[³ee) efue. (meer[erSmeSue)

2. SSmeDeejF&meer (Fbef[³ee) efue.

3. $eÝCe Deemet®evee y³etjes (Yeejle) efue. (meerDeeF&yeerDeeF&Sue)

4. vesMeveue keÀesuesìjue cewvespeceWì mee|Jemesme efue. (SvemeerSceSmeSue)

5. efmJeHeÌì Fbef[³ee [esceseqmìkeÀ mee|Jemesme heé.efue

6. SmeSceF& jseEìie SpeWmeer Dee@]HeÀ Fbef[³ee efue. (SmeSceF&DeejS)

17


18. keÀejesyeej oeef³elJe efjheese\ìie 2015-16 mesyeer met®eerkeÀjCe efJeefve³eceve 2015 keÀe keÌueepe 34(2) (SHeÀ)~ FmekeÀe ìskeÌmì nceejer JesyemeeFì +++;#��;��" ceW GheueyOe nw~

DeeYeej yees[&, Yeejle mejkeÀej, Yeejleer³e efj]peJe& yeQkeÀ SJeb Yeejleer³e heéfleYetefle SJeb efJeefvece³e yees[& kesÀ heéfle GvekesÀ ³eLeesef®ele ceeie&oMe&ve leLee mene³elee kesÀ efueS Deheveer ke=Àle%elee %eeefhele keÀjlee nw~

yees[& efJeÊeer³e mebmLeeDeeW SJeb mebheke&ÀkeÀlee& yeQkeÀeW kesÀ heéfle Yeer GvekesÀ men³eesie SJeb mene³elee kesÀ efueS Oev³eyeeo %eeefhele keÀjlee nw~ yees[& ieénkeÀeW , keÀejesyeej men³eesefie³eeW SJeb Mes³ejOeejkeÀeW keÀer Demeerefcele mene³elee nsleg DeeYeej leLee yeQkeÀ kesÀ meceie´ efve<heeove kesÀ efueS mìeHeÀ meom³eeW kesÀ heéfle Yeer GvekeÀer mecee|hele mesJeeDeeW Deewj men³eesie kesÀ efueS Deheveer ke=Àle%elee %eeefhele keÀjlee nw~

yees[& kesÀ efveosMekeÀeW kesÀ efueS SJeb GvekeÀer Deesj mes

(cesueefJeve jsiees) HeýebOe efveosMekeÀ SJeb meerF&DeesmLeeve : cegbyeF& efoveebkeÀ : 14 petve, 2016

keÀe@jheesjsì meeceeefpekeÀ GÊejoeef³elJe (meerSmeDeej)yeQkeÀ Dee@]HeÀ Fbef[³ee, osMe keÀe SkeÀ hećegKe efJeÊeer³e mebmLee nesves kesÀ keÀejCe nceejs heéfleeqÿle jepeveerefle%eeW kesÀ mJehveeW keÀe menYeeieer nw efkeÀ keÀesF& Yeer Yeejleer³e Yet]Kee ve jns, kegÀhees<eCe ve jns leLee yegefve³eeoer DeeJeM³ekeÀleeSb GheueyOe neW leLee Jenve keÀjves ³eesi³e efMe#ee nes, mJeemL³e megefJeOeeSb jns, heefjJesMe keÀes meMeÊeÀ yeveeles ngS yejeyej DeJemej nes efpememes meeceeefpekeÀ leLee Deee|LekeÀ Demeceevelee ceW keÀceer DeeS~ yeQkeÀ Dee@]HeÀ Fbef[³ee keÀe efJeéeeme nw efkeÀ efpeme meceepe ves yeQkeÀ keÀes keÀeueevlej ceW SkeÀ efJeMeeue DeekeÀej ceW Je=ef× kesÀ efueS mene³elee heóeve efkeÀ³ee Jen meceepe Deheves efJekeÀeme kesÀ efueS yeoues ceW kegÀí heéhle keÀjves keÀe DeefOekeÀej jKelee nw~ keÀe@jHeesjsì meeceeefpekeÀ GÊejoeef³elJe ieefleefJeefOe³eeW ceW efheíues kegÀí Je<eeX ceW mebhetCe& osMe ceW yeQkeÀ ves GoejleehetJe&keÀ ³eesieoeve efo³ee nw~ kebÀheveer DeefOeefve³ece kesÀ Debleie&le ieefþle kebÀheefve³eeW kesÀ efueS kebÀheveer DeefOeefve³ece 2013 ceW meerSmeDeej kesÀ Debleie&le J³e³e keÀe DeeosMe ve³ee heéJeOeeve nw~ ³eÐeefhe yeQkeÀ Dee@]HeÀ Fbef[³ee Fme he´Jeie& kesÀ Debleie&le veneR Deelee nw leLeeefhe SkeÀ efpeccesoej keÀe@jHeesjsì veeieefjkeÀ nesves kesÀ keÀejCe veskeÀ keÀejCeeW kesÀ efueS mJes®íe mes meerSmeDeej ieefleefJeefOe³eeW ceW menYeeieer nes jne nw~Je<e& 2015-16 kesÀ oewjeve DeveskeÀ meerSmeDeej heefj³eespeveeDeeW keÀes yeQkeÀ Dee@]HeÀ Fbef[³ee ves Devegceesefole efkeÀ³ee nw efpevekeÀe ³ee lees Ghe³eesie efkeÀ³ee ie³ee nw ³ee Ghe³eesie kesÀ heéf¬eÀ³ee ceW nw~

yeQkeÀ ves efvecveefueefKele kesÀ Debleie&le meerSmeDeej heefj³eespeveeDeeW ceW mene³elee keÀer nw:-

�� mJe®í Yeejle DeefYe³eeve kesÀ Debleie&le menYeeefielee

��heéke=ÀeflekeÀ DeeheoeDeeW kesÀ oewjeve heerefæ[le J³eefÊeÀ³eeW keÀes mene³elee

��he³ee&JejCe megj#ee keÀer henue

��heéfMe#eCe leLee keÀewMeue efJekeÀeme hej henue

��iejeryeeW/megefJeOee mes Jebef®eleeW keÀes mJeemLe mesJee heóeve keÀjvee

��keQÀmej jesefie³eeW keÀes mene³elee

��efve:MeÊeÀpeve J³eefÊeÀ³eeW keÀes mene³elee heóeve keÀjvee

��ceeveefmekeÀ ªhe mes cebo ye®®eeW kesÀ efueS mene³elee

��ves$enerve J³eefÊeÀ³eeW kesÀ keÀu³eeCe kesÀ efueS ³eespevee

�� ueæ[efkeÀ³eeW/ceefnueeDeeW keÀer osKeYeeue, DeveeLeeue³e kesÀ efueS ne@mìue YeJeve keÀe efvecee&Ce Deewj ieebOeer DeeÞece Deewj íe$e ie=n keÀe veJeerkeÀjCe Deewj cejccele

��ieéceerCe efJekeÀeme keÀer henue Deewj mJe jespeieej kesÀ efueS yesnlej jes]peieej kesÀ DeJemej nsleg keÀewMeue heéfMe#eCe GheueyOe keÀjJeekeÀj ieéceerCe ³egJee keÀes meMeÊeÀ keÀjvee; Deewj

� Smemeer/Smeìer/Deesyeermeer Deewj meceepe kesÀ efheíæ[s leyekesÀ keÀe keÀu³eeCe

18


MANAGEMENT DISCUSSION AND ANALYSIS

OVERALL BUSINESS ENVIRONMENT

Global Developments:Growth is sluggish across the globe. According to the latest �� =��"�� %�� #�� |�_�� ?��#�� ?��+�� !�� #��;�� ;�� ;��"��?��"�� ?��+�� \�� "�� ;�� ?��+�� !�� #�� ;��;<�� !�� pull down overall growth for Emerging Markets and Developing =��"�� [=�]=�^;� \�� !�� +�� #�� "�� +�� ""�� ;� ��notable feature is world trade growth (2.8%) lagging behind ?��#��?��+��[�;��^;

Domestic Economic Scenario:�] ��"��;��?�_��?��+�� _�� ;��;� $�+�� ?�� *�� |��!� �� |�� [|| ^�� #�� ?��+�� #�� +� "��;� _��?��""�� \�� ]�� +��!��#��;��] ��_��;

�� \ |� �� |� �� #��?�;� ��+� �� #�� +��""��;��"�� !�� "�� ?�� ;�� ] � �� _��;� ]�� "�� #�� #�� ;�� ;�� #�� #��+�� >�� >�j_��#��+�� "��"��"� ��in interest rates.

|�� "�� #��?� "�� +�� "��?�� "�� ?"��;� _��?�� investment norms have been liberalized and vigorous efforts have been undertaken to improve the ease of doing business. Bank accounts for over 200 million people under Pradhan Mantri Q��]��#��;

Banking Sector:�� #��?� �� _�� #�� "�� ?��?� �� "�� ;� <��business of all Scheduled Commercial banks’ recorded a lower ?��+�� >� ��;� �� ¤�� #�� ?��#�� "�� +��+��+�� !�� ?��?� �� +��+�� ?�� #�� ¤��+�[�¤�^�#��|;

�� "�� #�� +�� "�� #�� #�� +� �� ?��;�� |�� ]�� ?��""�� "�� |��Bank Boards Bureau was set up and entrusted with the task of �"��?� �� } �� ?� "�� "�� #�� ?;� <�� "�� +�� \�� #��introduced for faster resolution of impaired assets. The DRT and j��_�=j|� �� #��?� "�� "�� "� "��;�<�� |�� "�� j"�� _�� #��;� }�+� �� #��?� ��#��;�%��"��"�� ?��} \|��

�� "�� ";� ��|� �� ?�� "��which could be reckoned as capital for calculation of CRAR. �� "�� "�� \�� \�� ;��+�� ?� ��"� _�� ;� %�� ?��"�� #�� *�� ?��?� ��?� _��2016. The Government of India has pledged its full support �� #�� #�� "�� "��;� �� "�� "�� !��?� #�� "�� #��;

Banking Sector-Issues and Challenges:�� |��?��\��_��

��?��[�\��^��"�+��"��;<��!��+��#��+��?��#��+��;

� Aggregate deposits are at ` 97 Lakh crore and Gross Advances at `� �� ?� �� #��?��"��;�]��?��+��??��#��?��+��for the last couple of fortnights.

�� #�?� �� !�� ?�� +�� ?� �� "�� |�� [� |^� ��#��?��"��"��"��;��+�� "�� "�� #�� "#��#��?��;

� New categories of banks like Wholesale Banks and Custodian Banks are also proposed while universal banking licenses on tap is on the anvil.

� The ratio of bank credit and deposits to GDP is low in India �?��"��\��;��+��do not have a bank among the top 10 global banks.

� Human resource management is an area of focus due �� "�� !�� ;� <�� "��#��?��;

� There is a need to keep pace with changing technological ��;�� j��"#��technologies and focus more on innovation.

�� |��?��"��+��;

BUSINESS REVIEW:

1. DEPOSITS:� j��?��]��?��+�#��;��+��\��

?��+�#��;��;�%�� [��"��¥��^� �� #�� `� �� `� �� ?��;�<��"��`� ��;

CASA: CASA deposits comprising Savings & Current deposits stood

��;��;�\�j��?��+��#��;��;

2. ADVANCES:� ��?��?� ��_�� ?��>

?��+��;��;��]�"��\��?��?��?��+�� ;�� "� `� �� ;�;�� `� ��;�;��;�<��?�_��+��?�� j��;

19


i) Priority Sector Advances:� � �<��+��#��?�

��?��+��+��of rural and semi-urban branches and committed work force. The Bank has registered an outstanding level of `� �� j��;

<��#�� j��st��{(` in crore)

Amount O/s as on

31-03-2016Agriculture * ��SME ��Education ��Housing ��Others ��

Total �� ¦��?��|��]��"��[�|]_^� � ��j��?��\�� #��

could disburse `� ��?��;

ii) Retail Banking:� � �]��?��>��#��

#��?��\��;�<��credit portfolio of the Bank increased from `� ��crore to `� �� st� �� ;� ��?�� #��?� �� of retail lending and to reduce the Corporate loans ��#��;��\�� [��\�^�� ?� <��>|��<��>||��?��$�"��'��?�� '~��Loans/Education Loan proposals.

iii) SME: Performance of the Bank under MSME Segment: � MSE manufacturing sector has declined from � ��

crore �� to ` �� crore as on March 2016. (Y-O-Y de-growth of 7.67%).

� Share of Micro sector within MSE has increased to ��"��;

�� +�� "#�� ¡� ��accounts have been sanctioned under Micro segment ��?� ��>�� ?��?� ?��+�� ;�;��?��"��?��;

iv) Corporate Credit : There are 10 Large Corporate Branches (LCBs)

�� "�� ?� �� "�� ¡� ��"#�� [�� #��^��}�+�]��\��?��$��#��"��#�� ;� _�� \��j�=�\��\��"��#��;

� � �<��?��\�� "��;�;��;��Corporate segment has declined from `� ��;�;��`� ��;�;��+��?��?��?��+��;

� � �� ?� �� Corporate Branches stood at `� ��;

v) Infrastructure Finance :� � �]��?� �� _�� _��

Based Limits of `� ��}��_��Limit of `� �� +� �� !��?� �� ?� �+�� <��""�� ;� �� ?�credit to infrastructure sector stood at `� ��;

3. FINANCIAL INCLUSION: Progress under Financial Inclusion: � Number of Basic Savings Bank Deposit Accounts

��{��;�� Balance outstanding in BSBD accounts opened:

`� �� \\'�\\��{��;�� }�"#��\��?�?��{�� \��?�"�� ?�?��{�� }�"#��~��?��+��_|��{�� }�"#�� ?�� |\<>�\� {� ��;��

�� Volume of Amount transacted : `� ��;�� _�� |��

�� ?�� +�� #�� ?��;�;��

�� #�� "�� +�� *�� mitigants and best practices have been built up and are being pursued.

Pradhan Mantri Jan Dhan Yojana (PMJDY):� � Number of Basic Savings Bank Deposit Accounts

(BSBD)��{��;�� Balance outstanding in BSBD accounts opened:

`� ��;�� }�"#��|��{��;��;

PM’s Insurance & Pension Scheme:

Number of person enrolled under Pradhan Mantri Suraksha ��"��(PMSBY)�{��;��

Number of person enrolled under Pradhan Mantri Jeevan Q��"�� (PMJJBY^{��;��

� �}�"#��{�;��lakhs.

Regional Rural Banks:

��[��^��?��[��^��"��"��>��[�� j��^��}��"�� Q��#�� "�� >}Q��[�� j��^��~��#��"��¡~��[��State) and Jharkhand Gramin Bank-JGB (Jharkhand State). ��"��"��\�j��";�<��#��#��<�j��}=_<� ��<�� "�;� <�� +�� +�� #�� ?�� #��"�!��`� ��;

20


4. CREDIT MONITORING:� <��_��?��*��

�� ?� �� ?�"�� "��?� ��credit assets.

The Bank has a structured set up for monitoring of the credit �� §�� }�� ?� �� [}��^��$��%�� ?��+�� ?��of incipient stress/potential default/delinquencies and to take ��"��'�"��*��credit portfolio.

5. NPA MANAGEMENT & RECOVERY: The Bank continued its drive and focus on improving

��"�� } �� ?�"�� >�� +��;� } �� #�� ?�� "�� ?��+�� importance considering the economic climate and conditions. �� #�� ?"�� contain slippages and NPAs. Three General Managers are �� ??��;� =�� #�� "�� "�!�"� �� +�� ?��'�� } ��+��#��?��;

� ]��?��} ��`� �� \�"�� [��\�^� +�� j�� (SRs) investment of `� ��+�� "��;��;

6. INTERNATIONAL:� <�� %��

Subsidiaries and 1 Joint Venture spread over 22 countries and across all time zones.

The contribution of foreign operations towards Bank’s global #��#��?��;��;�;�� ?��#�� ?��#��business is around 28%.

7. TREASURY OPERATIONS: Forex Business:� <��?��!��?��#��#��#��

��#��?��;��|��#��+��`� ��;�� `� ��;�� ;�<�� #�� ?� �� !� "��;� <�� ??��?�� _��!��?��+��`� ��;��;

8. INFORMATION TECHNOLOGY: The Bank has been focusing on IT with emphasis onTechno

Enabled Services: �� }�+� �� |�� ?� ¡%��?� ��<��"�

]�� +��"�� %��]�� _��'��_��%��contact details.

�� %|� �> �� "�� |�� "��"�� \�� \�� "�� j�� <�!��j��\��;

� Hot listing / reset / unblock / change of Debit-cum-ATM Card pin using Internet Banking Password.

� Digital Signage at branches.

�� =>� �� +�� #�� ?� �� \��<��}��"��#��;

9. TRANSACTION BANKING: �� ]��j�� j��j��<��[%��j��<��?^� �� #��"��[�j��^;

10. THIRD PARTY PRODUCTS: Tie-up for Life Insurance:� ��\��?��?�"��+��

�� Q�� ~�� |�� \�"�� j�� Dai-ichi Life Insurance Co Ltd. for sale of their life insurance ��;� �� |�]�|� *�� "�� ¨j�� various branches.

Tie-up for General Insurance (Non-life): � ��\��?��?��"��+��}��

Insurance Co. Ltd. (NICL) to sell their General Insurance ��;� �� |�� j�� _�� j�� Motor insurance facilities to customers. The total premium �� #�� }|\�� ?�� ?� �� >��+��`� ��;�� commission earned was ` 19.79 crore.

Mutual Funds Products:� �� #�� _��

10 Asset Management Companies. Bank has earned a commission of `� �;��"��#��_��#��?�_��;

11. RISK MANAGEMENT:� �� #��

��;��?��!��\��*�� %�� j��?�� \�"�� ;��"��"��?��"�!�"� �� ?>��"��#��?��?��*��?�;

Bank has built a comprehensive risk management culture +��"��*�� !�� +�� ?�� ;

12. INSPECTION & AUDIT:� ��|��?�"��

�� []�"��^�� \�� |��"�� j��"�� _��?�� +�� +��'��#��"��+��#��]��"�� _�� j�� %_�� %|� �� '��#��"��|��_|��%_�guidelines and also as per the directions of Audit Committee of the Board.

13. COMPLIANCE:� \�"�� _�� +�� #��

the Board as per Reserve Bank of India guidelines. A Board �� \�"�� _�� [��

21


Meeting held on 26.2.2016) is in place. An independent \�"�� ]��"�� #�� \�� \�"��%�� ?�� ?�� $�� %��;� \�"�� ?�� internal guidelines of the Bank is the scope of operation of the compliance function of the Bank both for Domestic and Overseas operations. The department has drafted and put in place Compliance Rules in the following areas of branch banking:

Area to which Rules pertain Frequency No. of

RulesKnow Your Customer/��>�� ?'\�"#��?� �� _��?�of Terrorism

�� required 71

Deposits & Services ¤�� 61

Advances ¤��

_=�� ¤��

� <�� "�� ?� ��>�� "��?��#��|��?��submitted to the Top Management with suggestions of areas �� "��"��;� \�"�� %�� #�� "��?� �� §��;<�� '� ��\�""�� '�<�� ?�"�� '� $�� %��"��?��"��'��;

14. OFFICIAL LANGUAGE: Bank has a +��>��#��%��?��?��]��"��

��$��%��"��"��%|�?��with regard to progressive use of Hindi in the Bank.

� ]��?� �� "�� +��?�measures:

�� \�� $�� +�� ?��?��?� �� +��"�"#��[%��>��'�\��>��^�+��imparted training to improve their Hindi language ��

�� ?� ��?��""�� +�� %�� ?��?�� %�� *�� "��""�� ?��?��+��?��

� A seminar on “Role of language in Business ��"�� +�� ?�� !�� }�+� ]��'}\�� ;�;��;�An E-magazine consisting of articles on various ��#��"��|�� +�� #�� "��;�$�� "�� +�� #�� $�� %�� "��th��?�� th�j��"#��;�$��+��#��?��Q��#��?��"#��j��?��?�+;

15. HUMAN RESOURCES:

Compliance with Reservation Policy:� <�� "��?� +��

Government of India. Special Recruitment and SC/ST Cells �� $�� %�� '� §�� %�� ?� �� "��

��"��"��?��?��j\'j<'%�\�="��;

Pre-Promotion Training from Clerical cadre to General ��?� %�� +�� %�� "�Scale - I to II and Scale II to III is imparted to SC/ST candidates '� ��;� �<��?�� ?�� \�� %�� %�\�� j\�'j<��$��%��;��%��#��?��?��j\'j<'%�\��?��?��%��'�\��%��§��%��;��|��"��"��?�� >#�� "��$��%��'�§��%�� ;� �j\'j<�\��#�� $��%��§��%��are also associated with implementation of reservations in �� ?�� =!>��"�� '� ��+��#��;

16. BRANCH NETWORK & EXPANSION: Composition of Bank’s Branch Network is:

Category31.03.2015 31.03.2016

No. of Brs.

% to Total

No. of Brs.

% to Total

Metropolitan �� ;�� ;�Urban 821 16.78 �� ;��

Semi-Urban �� 26.92 �� 26.91Rural �� ;�� ;�

Total Domestic Branches �� 100 �� 100

Overseas 60 61Total Branches ��

Of which Specialised 271 271

17. BANK’S SUBSIDIARY / ASSOCIATES / JOINT VENTURES:� ;� |��§�"#��;�[|§�^ 2. PT Bank of India Indonesia Tbk� �;� ��|��[<�� ^�� ;� ��|��[}�+�§��^�� ;� ��|��[��+��^�� 6. Bank of India (Uganda) Ltd 7. BOI Shareholding Ltd. (BOISL) 8. BOI AXA Investment Managers Pvt. Ltd. and BOI AXA

Trustee Services Pvt. Ltd 9. BOI Merchant Bankers Ltd. (BOIMB)� ;� j<\|�_��"�� ;� j�� ]��>�� |�� \�"�� ;�

(SUDLife)

Strategic Investment / Alliances:� ;� \��]��j��[|��^��;�[\]j�^

2. ASREC (India) Ltd

� �;� \��|��"��[|��^��;�[\|�|�^

� �;� }�� \�� ?�"�� j�� ;�(NCMSL)

� �;� j�|_<�|��]�"��j�� ;��

� �;� j�=��?��?��|��;�[j�=��^

22


�� |��#��?��"�� shares the dream of eminent statesmen in a positive manner �� |�� #�� "� ��?�� "�� should have the basic necessities and be entitled to affordable �� *�� #��?� ��"�� #�� ?� �� "�� ;� �� |�� #�� which has helped the Bank to grow to such an enormous size �� ?�� #�� "��?� �� "��;� <�� ?�� #�� \j�� +� �� ?�� ?�� #�� ;��+�� \�"�� "��!��\j��"��"��under the Act. Even though Bank of India does not come under �� ?�� #�� #�� ?� �� \j�� +�� ;� �� |�� \j�� ?� �� >�� +�� #�� utilization.

Corporate Social Responsibility (CSR):

]��?��_��\j��{�� j+�� ?��?��"�� |��"�� |��<��?��j��"�� =!��?��'��>��?�� =!��?��#�� "�� +��#�� \��$��#��?��%��?�� "��"�� |��"��"��+��?��

#��?��?��#��"��"��>�"��"��

� Welfare of SC/ST/OBC and the backward strata of the ��;

18. BUSINESS RESPONSIBILITY REPORTING 2015-16� \��[�^�[�^��j=�|��?��?��¡��;�<��!��"��#�� #��¡�+++;#��;��"

Acknowledgement:� <��!��?��"��|��|��j��=!��?��|��

��?��#��?��;�<��|��#��>��;�<��+��?��"��#��shareholders. The Board also wishes to place on record its appreciation of staff members for their dedicated service and contribution for the overall performance of the Bank.

� � � � _��#��]��

Place : Mumbai (Melwyn Rego) ]�� {� �th�Q�� ?��?�]��\=%

��


CORPORATE GOVERNANCEBank’s Philosophy on code of Governance :<�� ?�� +�� its total commitment to ethical practices in the conduct of its #�� +�� ?� �� ;� <�� #��+�� !�� ?�� "��roles and improved corporate performance. The Bank is also committed to following high disclosure standards and ��;� |�� +�� #�� "��""�� "��of business.

Board of Directors :The Bank is constituted under the Banking Companies [��*��<��?�^��"��"� ��"�� "�;� <�� ?�� management of the affairs and business of the Bank is vested �� ]�� #�� \��"��;� j��?��}��>=!��\��"��"��?��?�]��\��=!��%��;�

]��?� �� +� [��>�^� �� \�"�� Board was as under:-

j"�;�~;��;�|��[��;�;��^

Chairperson & Managing Director

Shri B. P. Sharma[_��"��;�;��;�;��^

Managing Director & CEO

Shri G. Padmanabhan[��"��;�;��^

Chairman

j��+��%;��?�[��"��;�;��^

Managing Director & CEO

Shri B.P. Sharma =!��]��

Shri Arun Shrivastava[��;�;��^

=!��]��

Shri R. P. Marathe =!��]��

Shri R. A. Sankara }��[��"��;�;��^

=!��]��

Shri Anup Wadhawan[��;�;��^

Nominee of the Central Government

j"�;��[��"��;�;��^

Nominee of the Central Government

Shri S. S. Barik Nominee of Reserve Bank of India

Shri Harvinder Singh }��>��"��="��]��

Shri A.M. Pereira[��;�;��^

��"��="��]��

Dr. R. L. Bishnoi ��><�"��}��>%��]��

j��}�� Shareholder Director

j��j��"�� Shareholder Director

Shri D. Harish[��;�;��^

Shareholder Director

keÀeheexjsì Meemeve heĆeeueerMeemeve heĆeeueer ketÀì hej yeQkeÀ keÀe oMe&ve :Deheves keÀejesyeej meb®eeueve ceW veweflekeÀ heefjheeìer kesÀ heéfle Deheveer hetCe& heéfleye×lee hej yeQkeÀ keÀer keÀeheexjsì Meemeve heĆeeueer oMe&ve mebjef®ele nw peyeefkeÀ he´³eeme Mes³ejOeejkeÀeW kesÀ cetu³e ceW Je=ef× nw~ yees[&, keÀe³e&heeuekeÀeW leLee Dev³e heoeefOekeÀeefj³eeW keÀe heejmheefjkeÀ mebyebOe Fme lejn ieefþle nw efkeÀ efpemeceW mheäle³ee GvekeÀer efJeefMeä YetefcekeÀeSb ef®eeqvnle nQ leLee efJekeÀefmele keÀeheexjsì keÀe³e&efve<heeove nw~ yeQkeÀ G®®e he´keÀìve ceevekeÀeW leLee heejoe|Melee kesÀ DevegmejCe ceW Yeer heéfleye× nw~ yesnlej heefjheeìer kesÀ DevegmejCe ceW yeQkeÀ ves keÀejesyeej kesÀ he´l³eskeÀ he#e keÀer efveiejeveer keÀjves kesÀ efueS yees[& keÀer efJeefYeVe meefceefle³eeW keÀe ieþve efkeÀ³ee nw~

yees[& kesÀ efveosMekeÀ :mece³e-mece³e hej mebMeesefOele yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece, 1970 kesÀ Devleie&le yeQkeÀ keÀe ieþve efkeÀ³ee ie³ee nw~ meeceev³e he³e&Jes#eCe, yeQkeÀ keÀe keÀejesyeej leLee keÀecekeÀepe keÀe heýebOeve leLee efveosMekeÀ yees[& kesÀ efveosMekeÀ ceb[ue kesÀ heeme nw efpemekeÀer DeO³e#elee DeO³e#e Üeje keÀer peeleer nw~ Deiemle 2015 mes yeQkeÀ keÀe SkeÀ iewj keÀe³e&heeuekeÀ DeO³e#e Deewj hetCe&keÀeefuekeÀ heýebOe efveosMekeÀ SJeb meerF&Dees nw~ meceer#eeiele Je<e& kesÀ Debleie&le yees[& keÀe meb³eespeve efvecveefueefKele Lee :

Þeerrceleer Jeer.Deej.De³³ej(30.05.2015 lekeÀ)

DeO³e#e SJeb heýebOe efveosMekeÀ

Þeer efye.heer.Mecee&(08.06.2015 mes 14.08.2015 lekeÀ)

HeýebOe efveosMekeÀ SJeb meerF&Dees

Þeer peer. HeëveeYeve (14.08.2015 mes)

DeO³e#e

Þeer cesueefJeve Dees jsiees(14.08.2015 mes)

heýebOe efveosMekeÀ SJeb meerF&Dees

Þeer efye.heer.Mecee& keÀe³e&heeuekeÀ efveosMekeÀ

Þeer DeªCe ÞeerJeemleJe(15.05.2015 lekeÀ)

keÀe³e&heeuekeÀ efveosMekeÀ

Þeer Deej.heer.cejeþs keÀe³e&heeuekeÀ efveosMekeÀ

Þeer Deej. S. MebkeÀj veeje³eCeve(15.05.2015 mes)

keÀe³e&heeuekeÀ efveosMekeÀ

Þeer Devethe JeOeeJeve(08.09.2015 lekeÀ)

kesÀvêer³e mejkeÀej kesÀ veeefceleer

Þeerceleer Ssvee je@³e(09.09.2015 mes)

kesÀvêer³e mejkeÀej kesÀ veeefceleer

Þeer Sme. Sme. yeefjkeÀ Yeejleer³e efj]peJe& yeQkeÀ kesÀ veeefceleer

Þeer njefJeboj efmebn iewj-keÀeceieej keÀce&®eejer efveosMekeÀ

Þeer S Sce Hejsje(17.07.2015 lekeÀ)

keÀeceieej keÀce&®eejer efveosMekeÀ

[e@ Deej.Sue.efyeMveesF& DebMekeÀeefuekeÀ iewj-MeemekeÀer³e efveosMekeÀ

Þeer veerjpe Yeeefì³ee Mes³ejOeejkeÀ efveosMekeÀ

Þeer mebpeerJe kegÀceej Dejes[e Mes³ejOeejkeÀ efveosMekeÀ

Þeer [er njerMe(30.09.2015 lekeÀ)

Mes³ejOeejkeÀ efveosMekeÀ

��


�� ?��?� ]�� \=%� �� =!�� ]�� >�!�� ]�� ;�The Directors representing shareholders of the Bank other than the Central Government are independent directors within the meaning of Regulation 16 (b) of SEBI (Listing Obligation and ]��*��"��?��>��[j=�|>�%]�^�Details of familiarization programmes imparted to independent ��#��+�#��;�;�+++;#��;��;��None of the Directors is a relative of other Director.

��+@��+�� #��+��Z�+� [+�,��,\��/��,��the year - 2015-16Shri G. Padmanabhan, Chairman Shri G. Padmanabhan is a post graduate in Economics from �� [|�� ?� ��_��^��"��"��?��"��;�$�� |�� +�� =!��]�� Q�� ;� ]��?� �� |�� j�� "��#��has handled various challenging assignments in the Reserve Bank of India. �� =!�� ]�� |�� j��Padmanabhan was looking after Department of Information and <��?�� ]��"�� "�� j��"�� j��"��_��?��=!��?��]��"��j�� "��#�� #�� }��>=!��\��"�� |��?�� ;Shri Padmanabhan is a keen sportsman and had represented his ��j�� <��;�$��?�"��date.

Shri Melwyn O. Rego, Managing Director & CEO j�� +�� %;� ��?�� "�j�"#�� |�� ?�"�� ;� �� "�� +�� ?� �� ]�� ?��?�]�� |]�|� �� ;�� ?�� $�� #�� #�� +�� |]�|� �� ;� �� ;� j��?�� ?�"�� \�� ?��#�� _�� <�� |�� ]�"��;�j�� +�� %;� ��?�� +�� |]�|� $�"�� _�� ;��?��?�]��\=%� ��j��"#�� |]�|� ��<��$�"��_��;��|]�|� ��Q�� $�� ¡� |�� ?� ]��to spearhead IDBI Bank’s overseas initiatives. Mr. Rego has �!�� !�� +�� ?��""��|��\��%!��UK and also participated in several seminars.j��+��%;��?��"��music and dramatics.j��+��%;��?��#��?��?�]�� \=%� �� |�� ?�� ;

Shri R. A. Sankara Narayanan, Executive Directorj�� ;� �;� j�� }�� ?�� #��Administration. He holds an MBA Degree and acquired \�||�;� $�� ]��"�� <�� |��"�� Management and P G Diploma in Personnel Management and _��?�"��;$�� ]��%�� ;�$��+��?�� j��"#��and was overseeing the International Operations of the Bank. He �� +�� $�� <�� %�� §�� ?�� ?�� }�� ?� �� \��

heýebOe efveosMekeÀ SJeb meerF&Dees Deewj keÀe³e&heeuekeÀ efveosMekeÀeW keÀes íesæ[keÀj Mes<e meYeer efveosMekeÀieCe yees[& kesÀ iewj-keÀe³e&heeuekeÀ efveosMekeÀ nQ~ keWÀêer³e mejkeÀej Üeje efve³egÊeÀ efveosMekeÀeW kesÀ DeueeJee Mes³ejOeejkeÀeW keÀe heéfleefveefOelJe keÀjves Jeeues efveosMekeÀ mesyeer (efueeÅmìie Dee@yeefueiesMeve SC[ ef[mkeÌuees]pej efjkeÌJee³ejceWì jsieguesMeve-2015) (mesyeer-SueDees[erDeej) kesÀ efJeefvece³e 16 (yeer) kesÀ DeLe& kesÀ Debleie&le mJeleb$e efveosMekeÀ nQ~

mJeleb$e efveosMekeÀeW keÀes efoS ieS hen®eeve keÀe³e&¬eÀce keÀe y³eesje nceejer JesyemeeFì DeLee&led +++;#��;��;�� ceW GheueyOe nw~

nceejs keÀesF& Yeer efveosMekeÀ SkeÀ otmejs kesÀ efjMlesoej veneR nw~

Je<e& 2015-16 kesÀ oewjeve yeQkeÀ ceW keÀe³e&ienCe keÀjves Jeeues efveosMekeÀeW keÀe mebef#ehle heefj®e³eÞeer peer. heëveeYeve, DeO³e#e Þeer peer. heëveeYeve kesÀjue efJeéeefJeÐeeue³e mes DeLe&Meem$e ceW mveelekeÀesÊej (HeÀmì& keÌueeme HeÀmì&) leLee efyee|cevIece efJeéeefJeÐeeue³e, ³etkesÀ mes SceyeerS (Deblejjeäêr³e yeQeEkeÀie Deewj efJeÊe) ef[ieér heéhle nw~ GvneWves cee®e& 1979 ceW Yeejleer³e efj]peJe& yeQkeÀ ceW keÀe³e&ieńCe efkeÀ³ee leLee 4 pegueeF& 2011 ceW keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW heoesVele ngS Deewj 31 ceF& 2015 keÀes mesJeeefveJe=Êe ngS~ Yeejleer³e efj]peJe& yeQkeÀ ceW Deheves meHeÀue keÀe³e&keÀeue kesÀ oewjeve GvneWves efJeefYeVe ®egveeweflehetCe& oeef³elJeeW keÀes mebYeeuee~

Yeejleer³e efj]peJe& yeQkeÀ kesÀ keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW Þeer heëveeYeve met®evee Deewj heéwÐeesefiekeÀer efJeYeeie, Yegieleeve Deewj efveheìeve heĆeeueer Deewj efJeosMeer efJeefvece³e efJeYeeie kesÀ keÀe³eeX keÀer osKeYeeue keÀj jns Les~

Þeer peer. heëveeYeve keÀes efoveebkeÀ 14 Deiemle 2015 mes leerve Je<eeX keÀer DeJeefOe kesÀ efueS yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ iewj-keÀe³e&heeuekeÀ DeO³e#e kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw~

Þeer heëveeYeve De®ís efKeueeæ[er nQ Deewj ìsefveme ceW efJeéeefJeÐeeue³e Deewj jep³e keÀe heéfleefveefOelJe efkeÀ³ee ~ Jes DeYeer Yeer ³en Kesue Kesueles nQ~

Þeer cesueefJeve Dees jsiees, heýebOe efveosMekeÀ SJeb meerF&Dees Þeer cesueefJeve Dees. jsiees ves hegCes eqmLele efmecyee³eesefmeme Fbmìerìîetì Dee@]HeÀ efye]pevesme cewvespeceWì mes SceyeerS keÀer ef[ieér neefmeue keÀer~ GvekeÀer efve³egefÊeÀ kesÀ henues Jes DeeF&[eryeerDeeF& yeQkeÀ efue. ceW 30 Deiemle 2013 mes Ghe heýebOe efveosMekeÀ kesÀ ªhe ceW heomLe Les~ Jes hesMesJej yeQkeÀj nQ Deewj meved 1984 mes DeeF&[eryeerDeeF& yeQkeÀ efue. ceW Les~ Þeer jsiees ves keÀe@jheesjsì yeQeEkeÀie, hegveJee&me, efJeÊe, keÀes<eeieej, Deblejjeäêr³e SJeb Iejsuet mebmeeOeve Fl³eeefo #es$eeW ceW keÀe³e&Yeej mebYeeuee nw~

Þeer cesueefJeve Dees. jsiees keÀer DeeF&[eryeerDeeF& Üeje ìeìe nesce HeÀeFveQme efue. keÀe DeefOeieńCe efkeÀS peeves kesÀ yeeo efmelecyej 2003 ceW heýebOe efveosMekeÀ SJeb meerF&Dees kesÀ ªhe ceW heéfleefve³egefÊeÀ keÀer ieF& Leer Deewj peveJejer 2008 ceW Jes DeeF&[eryeerDeeF& ueewì DeeS Deewj yeQkeÀ kesÀ efJeosMeer henueeW keÀe vesle=lJe keÀjves kesÀ efueS Deblejjeäêr³e yeQeEkeÀie heÝeeie kesÀ hećegKe keÀe keÀe³e&Yeej efue³ee~ Þeer jsiees keÀes Deblejjeäêr³e #es$e keÀe J³eehekeÀ DevegYeJe nw Deewj Dee@keÌmeHeÀes[& ³etefveJee|meìer, ³etkesÀ ceW Deblejjeäêr³e hetbpeer ceekexÀì efJe<e³e hej Dee³eesefpele keÀe³e&¬eÀce ceW Jes jQkeÀ nesu[j Les Deewj keÀF& mesefceveejeW ceW menYeeefielee keÀer~

Þeer cesueefJeve Dees. jsiees De®ís efKeueeæ[er nQ Deewj mebieerle leLee veeìkeÀ ceW GvekeÀer ª®eer nw~

Þeer cesueefJeve Dees. jsieeW keÀes efoveebkeÀ 14 Deiemle 2015 mes leerve Je<eeX keÀer DeJeefOe kesÀ efueS yeQkeÀ kesÀ heýebOe efveosMekeÀ SJeb meerF&Dees kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw~

Þeer Deej. S. MebkeÀj veeje³eCeve, keÀe³e&heeuekeÀ efveosMekeÀ Þeer Deej. S. MebkeÀj veeje³eCeve ueeskeÀ he´Meemeve ceW mveelekeÀesÊej nQ~ GvneWves SceyeerS Deewj meerSDeeF&DeeF&yeer ef[ieér neefmeue keÀer nw~ GvneWves keÀes<eeieej Deewj efveJesMe peesefKece heýebOeve ceW ef[hueescee Deewj keÀee|cekeÀ heýebOeve Deewj efJeÊe heýebOeve ceW heer.peer. ef[hueescee efkeÀ³ee nw~

Jes Je<e& 1983 ceW yeQkeÀ ceW meerOeer Yeleea DeefOekeÀejer kesÀ ªhe ceW keÀe³e&ieńCe efkeÀ³ee~ efmelecyej 2011 ceW Jes ceneheýebOekeÀ kesÀ ªhe ceW heoesVele ngS Deewj yeQkeÀ kesÀ Deblejjeäêr³e heefj®eeueve kesÀ keÀe³e& keÀer osKeYeeue keÀj jns Les~ GvneWves keÀes<eeieej heefj®eeueve kesÀ hećegKe, Deeb®eefuekeÀ heýebOekeÀ, ceneheýebOekeÀ jeäêr³e yeQeEkeÀie mecetn Deewj keÀe@jheesjsì keÀe³ee&ue³e ceW keÀe³e& efkeÀ³ee leLee

��


%��;�#��?��<��j��?��$�� ?�� =!�� ]�� +;�;�;��;��;��

��;�� #�� #�� \�� "��"��}�"��]�� +;�;�;��;�;��;�j�� !�� #��?� ��;� �� "�� |�� +�� Board of Corporation Bank and Dena Bank.

��;�� =��"��"�]��j�� =��"�� +�� Q�� j�� ]��"�� _��j��_��}�+�]��;�j�� ?�|�� =��"�� j�� ;� �� +�� ?� \�""�� ]��"�� =��"�� ]��"�� "�� [�� \��"��_�� ^;�j��}��?;�

OTHER PARTICULARS OF DIRECTORS (As on 31.03.2016)

keÀmeb.Sr. No.

efveosMekeÀeW kesÀ veeceName of Directors

ÞesCeer (DeO³e#e /

keÀe³e&HeeuekeÀ / iewjkeÀe³e&HeeuekeÀ / mJeleb$e / veeefceleer)

Category(Chair- person/

Executive /Non-Executive/ independent/

Nominee)

yeQkeÀ kesÀ F&efkeÌJeìer

Mes³ejeW keÀer Oeeefjlee

Holding of Bank’s

Equity shares

efveosMekeÀ kesÀ ©He ceW efve³egefkeÌle keÀer

leejerKeDate of

Appointment as Director

efJeMes<e%elee #es$e Area of

Expertise

Dev³e kebÀHeefve³eeW ceW efveosMekeÀ HeoDirectorships

of other Companies

yees[& meefceefle³eeW kesÀ meom³e Member of Board

Committees

meom³e Member

DeO³e#e Chairman

1 Þeer peer. HeëveeYeveShri G. Padmanabhan

iewj-keÀe³e&HeeuekeÀ DeO³e#e

}��>=!��Chairman

¡ �;�;�� yeQefkebÀieBanking

meom³e, Fbef[Hesb[Wì DeesJejmeeF&ì meefceefle, meom³e efJeefve³eceve, SveSmeF&&DeeF&&Sue��"#��|��%��?��\�""��>��"#��?��}j=|�

¡ ¡

2 Þeer cesueefJeve Dees. jsieesj��+��%;��?�

keÀe³e&HeeuekeÀ=!��


1. yeerDeesDeeF& ce®e&vì yeQkeÀme& efue.

2. SmeìermeerDeeF& HeÀe³eveevme efue.

3. mìej ³etefve³eve oeF&-F®eer ueeF]HeÀ FvM³eesjWme kebÀ.efue.

4. SmeìermeerDeeF& heéFcejer [eruej efue.1. BOI Merchant Bankers Ltd.2. j<\|�_��;� �j��]��>|��|��\�;��;�; j<\|� ��"��]��;

¡ ¡

� Þeer efye. Heer. Mecee&Shri B.P. Sharma


¡ 18.06.2012 yeQefkebÀieBanking

1. ke=Àef<e efJeÊe efveiece2. yeerDeesDeeF& DekeÌmee FvJesmìceWì cewvespeme& Hee. efue.3. yeerDeesDeeF& Mes³ejneseÅu[ie efue.4. yeQkeÀ Dee@HeÀ Fbef[³ee ³egieeb[e efue.5. yeerDeesDeeF& (yeeslmeJeevee) efue.6. ve@Meveue HesceWì keÀe@HeexjsMeve Dee@HeÀ Fbef[³ee1. �?��_��\��©2. BOI AXA Investment Managers Pvt. Ltd.�;� BOI Shareholding Ltd.�;� Bank of India Uganda Ltd.�;� BOI (Botswana) Ltd.6. }�� "��\��|��

1 ¡

FmekesÀ meeLe ner GvekeÀer ìeskeÌ³ees Deewj eEmeieehegj ceW 2 efJeosMeer lewveeefle³eeW Yeer jneR~

GvneWves 15 ceF& 2015 mes yeQkeÀ ceW keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW keÀe³e&Yeej ieńCe efkeÀ³ee~

megÞeer Ssvee je@³e

megÞeer Ssvee je@³e keÀes kesÀvê mejkeÀej Üeje 09.09.2015 mes Deieues DeeosMe lekeÀ yeQkeÀ kesÀ mejkeÀejer veeefceleer efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw~ GvnW yeQeEkeÀie #es$e ceW yengle DevegYeJe nw~ yeQkeÀ Dee@]HeÀ Fbef[³ee ceW efveosMekeÀ ceb[ue ceW efve³egefÊeÀ kesÀ henues ³es keÀeheexjsMeve yeQkeÀ Deewj osvee yeQkeÀ keÀer yees[& ceW Leer~

megÞeer je@³e, efouueer mketÀue Dee@]HeÀ FkeÀe@vee@efcekeÌme mes DeLe&Meem$e ceW mveelekeÀesÊej nQ Deewj efJeÊeer³e mesJeeSb efJeYeeie, efJeÊe ceb$eeue³e, veF& efouueer ceW Ghe meef®eJe kesÀ ªhe ceW lewveele LeeR ~ ceF& 1992 ceW Yeejleer³e Deee|LekeÀ mesJee ceW keÀe³e&ieńCe keÀjves kesÀ he½eele megÞeer je³e ves ³eespevee Dee³eesie, Deee|LekeÀ keÀe³e& efJeYeeie, Deew<eOe efJeYeeie (jmee³eve Deewj GJe&jkeÀ ceb$eeue³e)ceW efJeefYeVe #eceleeDeeW ceW keÀe³e& efkeÀ³ee~ Jele&ceeve ceW Jes veerefle Dee³eesie ceW lewveele nQ~

efveosMekeÀeW kesÀ Dev³e efJeJejCe:

26


keÀmeb.Sr. No.

efveosMekeÀeW kesÀ veeceName of Directors

ÞesCeer (DeO³e#e /

keÀe³e&HeeuekeÀ / iewjkeÀe³e&HeeuekeÀ / mJeleb$e / veeefceleer)

Category(Chair- person/

Executive /Non-Executive/ independent/

Nominee)

yeQkeÀ kesÀ F&efkeÌJeìer

Mes³ejeW keÀer Oeeefjlee

Holding of Bank’s

Equity shares

efveosMekeÀ kesÀ ©He ceW efve³egefkeÌle keÀer

leejerKeDate of

Appointment as Director

efJeMes<e%elee #es$e Area of

Expertise

Dev³e kebÀHeefve³eeW ceW efveosMekeÀ HeoDirectorships

of other Companies

yees[& meefceefle³eeW kesÀ meom³e Member of Board

Committees

meom³e Member

DeO³e#e Chairman

� Þeer Deej. Heer. cejeþsShri R. P. Marathe


�� ;�;�� yeQefkebÀieBanking

1. yeerDeesDeeF& DekeÀmee FveJesmeìceWì cewvespeme& Hee.efue.2. yeerDeesDeeF& (v³et]peeruewC[ efue.)�;� ve@Meveue HesceWì keÀe@HeexjsMeve Dee@HeÀ Fbef[³ee efue.1. BOI AXA Investment Managers Pvt. Ltd.2. �%|�[}�+�§��^��;�; }�� "��\��|��

Limited.

2 ¡

� Þeer Deeej S. MebkeÀj veeje³eCeveShri R. A. Sankara }��


1000 �;�;�� yeQefkebÀieBanking

1. yeQkeÀ Dee@]HeÀ Fbef[³ee (leb]peeefve³ee) efue2. heerìer yeQkeÀ Dee@]HeÀ Fbef[³ee Fb[esvesefMe³ee ìeryeerkesÀ1. BOI (Tanzania) Ltd.2. PT Bank of India Indonesia Tbk

1 ¡

6 megÞeer Ssvee je@³e��;��

veeefceleerNominee

¡ �;�;�� He´MeemeveAdministration

1. DeeF&DeeF&SHeÀmeerSue efueefceìs[1. ve@Meveue FeqvMegDejvme kebÀHeveer efue1. ||_\�2. }��|��\�"��"��

1 ¡

7 Þeer Sme. Sme. yeefjkeÀShri S. S. Barik

veeefceleerNominee


Nil 1 ¡

8 Þeer njefJeboj efmebnShri Harvinder Singh

veeefceleerNominee

200 �;�;�� yeQefkebÀieBanking

Nil - ¡

9 [e@. Deej. Sue. efyeMveesF&Dr. R. L. Bishnoi

iewj-mejkeÀejer}��%��

¡ �;;�� uesKeeAccounting

1. S[erSme iueesyeue veesuespe DekeÀeoceer (hee) efue2. S[erSme HeespeskeÌì DeB[ efmemìce (Hee) efue�;� yeerDeesDeeF& ce®e¥ì yeQkeÀme& efue.�;� meerje jsefìbipe efue.;� �]j��#��+��?��"��[ ^��;2. �]j� ��j��"�� ;��;�; BOI Merchant Bankers Ltd.�; Ceeara Ratings Limited.

¡ ¡

10 Þeer. veerjpe Yeeefì³eej��}��

mJeleb$eIndependent

100 ��;;�� uesKeeAccounting

Deespeme cesef[keÀue meefJn&mesme Heer. efueefceìs[%��j��[ ^��;�

¡ 2

11 Þeer mebpeerJe kegÀceej Dejesjej��j��"��

mJeleb$eIndependent

� ��;;�� uesKeeAccounting

1. vesMeveue petì cewvegHewÀkeÌ®ejme& keÀe@he&. efue.2. jw[es ìe³eme& efue.1. National Jute Manufactures Corporation

Ltd.2. ��<��

2 -

* In compliance of Sub-Clause B of Clause 26 of SEBI LODR ��?�� \��"��'Membership of the Audit Committee and the Stakeholders’ ��""��;

Conduct of Board Meetings :]��?� �� _�� >�� ?�� +�� following dates:

;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;��

�;�;�� ;�;�� ;�;�� ;;�� ;;�� ;�;��

�;�;�� 16.01.2016 11.02.2016 26.02.2016 ��;�;��

* mesyeer SueDees[erDeej efJeefve³ece 2015 kesÀ Keb[ 26 kesÀ GHeKeb[-yeer kesÀ DeHevegHeeueve ceW, yeQkeÀ ves kesÀJeue uesKee hejer#ee meefceefle Deewj Mes³ejOeejkeÀ/ efveJesMekeÀ efMekeÀe³ele efveJeejCe meefceefle keÀer DeO³e#elee/meom³elee hej efJe®eej efkeÀ³ee nw~

yees[& keÀer yewþkeÀeW keÀe meb®eeueve :

efJeÊeer³e Je<e& 2016-17 kesÀ oewjeve, efvecveefueefKele leejerKeeW keÀes yees[& keÀer yewþkeWÀ Dee³eesefpele keÀer ieF¥:

27


Board CommitteesThe 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 / SEBI / Government of India Guidelines on Corporate Governance and Risk Management. The Board Committees are as under:

1. Management Committee of the Board2. Credit Approval Committee of the Board�;� ��\�""��;� j��\�""��;� j��<��\�""��6. Committee of Directors for Risk Management7. Committee of Directors for Customer Services8. Remuneration Committee of Directors9. Nomination Committee of Directors10. Business Review Committee11. Investment Approval Committee�;� \�""��?��?��~��_��;� |<�j��?��\�""��;� ]�� "��\�""��;� j��?�\�""��$�16. Review Committee for Wilful Defaulters17. Committee for Monitoring High Value NPAs and Loss Assets18. Independent Directors’ Committee of the Board

efveosMekeÀeW kesÀ veece Name of Directors

GvekesÀ keÀe³e&keÀeue kesÀ oewjeve

Dee³eesefpele yewþkeWÀ Meetings

held during their tenure

GHeeqmLeefle keÀe DeefYeuesKe

Attendance Recorded

DeJeefOe (mes - lekeÀ) Period (From – To)

Þeerceleer Jeer. Deej. De³³ej j"�;�~;��;�|�� ;�;��mes �;�;��

Þeer peer HeëveeYeve Shri G. Padmanabhan 10 10 �;�;��mes��;�;��Þeer. cesueefJeve Dees. jsiees j��+��%;��?� 10 10 �;�;��mes��;�;��Þeer. efye. Heer. Mecee& Shri B. P. Sharma 17 � ;�;��mes��;�;��Þeer Deej Heer cejeþs Shri R. P. Marathe 17 16 ;�;��mes��;�;��Þeer Deej S MebkeÀj veeje³eCeve j��;��;�j��}�� ;�;��mes��;�;��Þeer De©Ce ÞeerJeemleJe Shri Arun Shrivastava 2 2 ;�;��mes��;�;��Þeer DevegHe JeOeeJeve Shri Anup Wadhawan 8 � ;�;��mes��;�;��megÞeer Ssvee je@³e ��;�� 9 7 �;�;��mes��;�;��Þeer Sme. Sme. yeeefjkeÀ Shri S. S. Barik 17 11 ;�;��mes��;�;��Þeer njefJeboj efmebn Shri Harvinder Singh 17 17 ;�;��mes��;�;��Þeer Deej Sue efyeMveesF& Shri R. L. Bishnoi 17 17 ;�;��mes��;�;��Þeer veerjpe Yeeefì³ee j��}�� 17 17 ;�;��mes��;�;��Þeer mebpeerJe kegÀceej Dejesæ[e j��j��"�� 17 17 ;�;��mes��;�;��Þeer S Sce Hejsje Shri A. M. Pereira � � ;�;��mes��;�;��

Þeer [er nefjMe Shri D. Harish 9 8 ;�;��;�;��

Details of attendance of the Directors at the Board Meetings in _��+�{

efJeÊeer³e Je<e& 2016 ceW yees[& yewþkeÀeW ceW efveosMekeÀeW keÀer GheeqmLeefle keÀe efJeJejCe efvecveevegmeej nw:

efveosMekeÀeW/keÀe³e&heeuekeÀeW keÀer meefceefle/Ghe meefceefle

keÀe@heexjsì Meemeve Deewj peesefKece heýebOeve hej Yeejleer³e efj]peJe& yeQkeÀ/mesyeer/Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegªhe keÀe³e&veereflekeÀ cenlJe Jeeues efJeefYeVe #es$eeW hej O³eeve osves nsleg yeQkeÀ kesÀ efveosMekeÀ ceb[ue ves efveosMekeÀeW SJeb/³ee keÀe³e&heeuekeÀeW keÀer efJeefYeVe meefceefle³eeW keÀe ieþve efkeÀ³ee nw~ ³es cenlJehetCe& meefceefle³eeb efvecveevegmeej nQ :-1. yees[& keÀer heýebOeve meefceefle2. yees[& keÀer $eÝCe Devegceesove meefceefle3. yees[& keÀer uesKee hejer#ee meefceefle4. Mes³ej OeejkeÀ mebheke&À meefceefle5. Mes³ej DeblejCe meefceefle6. peesefKece heýebOeve nsleg efveosMekeÀeW keÀer meefceefle7. ieénkeÀ mesJeeDeeW nsleg efveosMekeÀeW keÀer meefceefle8. efveosMekeÀeW keÀer heeefjÞeefcekeÀ meefceefle9. efveosMekeÀeW keÀer veeceebkeÀve meefceefle10. keÀejesyeej meceer#ee meefceefle11. efveJesMe Devegceesove meefceefle12. ye[s cetu³e keÀer OeesKeeOeef[³eeW keÀer efveiejeveer13. DeeF&ìer keÀe³e&veerefle meefceefle14. efveosMekeÀeW keÀer heoesVeefle meefceefle15. S®eDeej hej yees[& keÀer meb®eeueve meefceefle 16. Fjeoleve ®etkeÀkeÀlee&DeeW kesÀ efueS meceer#ee meefceefle 17. G®®e cetu³e SveheerS Deewj neefveiele Deeeqmle³eeW keÀer efveiejeveer meefceefle 18. yees[& keÀer mJeleb$e efveosMekeÀeW keÀer meefceefle

28


Management Committee of the Board :The Management Committee of the Board is constituted as per the provisions of the Nationalised Banks (Management & �� ^� j��"�� '��;�<�� ?�"��\�""�� !�� +�� "��"��'+�� ?� �� '�� ;� �� ;�;�� "�� "�"#�� ?� �� ?��?� ]�� \=%�� =!��]��|�}�"��]��]��;

The Management Committee of the Board met 21 times during ��_��+��?��{

;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;��

��;�;�� ;�;�� ;;�� ;;�� ;;�� ;�;�� ;�;��

��;�;�� ;;�� ;;�� ;�;�� ;�;�� ;�;�� ;�;��

Attendance record of the members in the above meetings are shown below:


GvekesÀ keÀe³e&keÀeue kesÀ oewjeve Dee³eesefpele

yewþkeWÀMeetings held

during their tenure

GHeeqmLeleer keÀe DeefYeuesKe

Attendance Record

DeJeefOe Period (From – To)

Þeerceleer Jeer.Deej.De³³ej j"�;�~;��;�|�� ;�;��;�;��

Þeer cesueefJeve Dees. jsiees j��+��%;��?� � � �;�;��;�;��

Þeer efye. Heer. Mecee& Shri B. P. Sharma 21 18 ;�;��;�;��

Þeer. Deej. Heer. cejeþs Shri R. P. Marathe 21 18 ;�;��;�;��

Þeer. Deej. S. MebkeÀj veeje³eCeve j��;��;�j��}�� 19 19 �;�;��;�;��

Þeer De©Ce ÞeerJeemleJe Shri Arun Shrivastava 2 2 ;�;��;�;��

Þeer. Sme. Sme. yeeefjkeÀ Shri S. S. Barik 21 9 ;�;��;�;��

Þeer njefJeboj efmebn Shri Harvinder Singh � � ;�;��;�;�� ;;��;�;��

Þeer. Deej. Sue. efyeMveesF& Shri R. L. Bishnoi � � ;�;��;;�� ;;��;�;��

Þeer veerjpe Yeeefì³ee j��}�� 12 12 ;�;��;�;�� ;�;��;;��

Þeer S. Sce. Hejsje Shri A. M. Pereira � � ;�;��;�;��

Þeer [er nefjMe Shri D. Harish 6 � ;�;��;�;�� ;�;��;�;��

Þeer Sme. kesÀ. Dejesæ[e Shri S. K. Arora 11 11 ��;;��;�;��

Credit Approval Committee of the Board: |�� "�� "�� |��_��]��"��_��j��}�+�]�� ""�� }�;�''��>�%;� �� st� Q�� \�� \�""�� ;� <�� \�� \�""�� !�� +�� ?�� ;�� !��!��?� �� "�� #�� #�� ?�"��Committee.

The members of the committee are the Managing Director �� \=%�� =!�� ]�� <�� ?�� >��?�� _�� ?�� >��?�� Management and the General Manager in charge of Credit

yees[& keÀer heýebOeve meefceefle :yees[& keÀer heýebOeve meefceefle keÀe ieþve jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve ³eespevee, 1970/1980 kesÀ heéJeOeeveeW kesÀ Devegmeej efkeÀ³ee ie³ee nw~ heýebOeve meefceefle efJeÊeer³e mJeerke=Àefle³eeW, mecePeewleeW/yeÆe he´mleeJeeW, Jeeo/Deheerue oe³ej keÀjves Deeefo kesÀ mebyebOe ceW yees[& keÀes heéhle meYeer DeefOekeÀejeW keÀe he´³eesie keÀjleer nw~ ³eLee efoveebkeÀ 31.03.2016 keÀes Fme meefceefle ceW heýebOe efveosMekeÀ SJeb meerF&Dees, 3 keÀe³e&heeuekeÀ efveosMekeÀ, Yeejleer³e efj]peJe& yeQkeÀ kesÀ veeefceleer Deewj 3 Dev³e efveosMekeÀ meefnle 8 meom³e Meeefceue nQ~

efJeÊeer³e Je<e& 2016 kesÀ oewjeve yees[& heýebOeve meefceefle keÀer efvecveefueefKele leejerKeeW keÀes 21 yewþkeWÀ ngF& :

GHe³eeskeÌle yewþkeÀeW ceW he´l³eskeÀ meom³e keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveefueefKele Devegmeej nw:

yees[& keÀer $eÝCe Devegceesove meefceefle:

Yeejle mejkeÀej, efJeÊe ceb$eeue³e, efJeÊeer³e mesJeeSb efJeYeeie, ve³eer efouueer keÀer mebmet®evee meboYe& meb.13/1/2006-yeerDees.1 efoveebefkeÀle 31 peveJejer, 2012, Üeje peejer efveosMeeW kesÀ Devegmeej yeQkeÀ ves yees[& keÀer $eÝCe Devegceesove meefceefle keÀe ieþve efkeÀ³ee nw~ ³en $eÝCe Devegceesove meefceefle nceejs yeQkeÀ kesÀ ceeceues ceW ©.400 keÀjesæ[ lekeÀ kesÀ efkeÀmeer SkeÀue $eÝCe he´mleeJe kesÀ yeejs ceW yees[& kesÀ DeefOekeÀejeW keÀe Fmlesceeue keÀjsieer Deewj Ssmeer meerceeDeeW mes DeefOekeÀ kesÀ he´mleeJeeW hej heýebOeve meefceefle Üeje efJe®eej efkeÀ³ee peeSiee~

heýebOe efveosMekeÀ SJeb meerF&Dees, keÀe³e&heeuekeÀ efveosMekeÀieCe, efJeÊe kesÀ heÝeejer ceneheýebOekeÀ Deewj peesefKece heýebOeve kesÀ heÝeejer ceneheýebOekeÀ Deewj mebyeeqvOele ¬esÀef[ì kesÀ ceneheýebOekeÀ Fme meefceefle kesÀ meom³e nQ~ Fme meefceefle keÀer yewþkeÀeW keÀer DeO³e#elee yeQkeÀ keÀer heýebOe efveosMekeÀ SJeb

29


��;� <�� ""�� "��?�� #��?� �� #��the Managing Director & CEO of the Bank. Credit Approval \�""��"��"��?��_��following dates:

�;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;��

�;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;;��

��'��;;�� ;;�� ;;�� ;;�� ;�;�� ;�;�� ;�;��

�;�;�� ;;�� ;;�� 20.01.2016 �;;�� ;�;�� ;�;��

��;�;�� ;�;��

Attendance record of the members in the above meetings are shown below:


GHeefmLeefle keÀe DeeefYeuesKe

Attendance Record


yewþkeWÀ Meetings held

during their tenure

DeJeefOePeriod

Þeerceleer Jeer.Deej.De³³ej j"�;�~;��;�|�� ;�;��;�;��

Þeer cesueefJeve Dees. jsiees j��+��%;��?� �� ;�;��;�;��

Þeer efye. Heer. Mecee& Shri B. P. Sharma � 26 ;�;��;�;��

Þeer. Deej. Heer. cejeþs Shri R. P. Marathe � 26 ;�;��;�;��

Þeer. Deej. S. MebkeÀj veeje³eCeve j��;��;�j��}�� 28 �� ;�;��;�;��


Audit Committee of the Board :The Audit Committee of the Board (ACB) has been constituted #�� ]�� ?�� Bank of India. The ACB provides direction and also oversees the operation of the total audit function of the Bank.

<�� \�""�� "�� "�"#�� ;� =!��]�� ?�� |�� "�� }�"��]�� |�� }�"�� ]�� ;� j�� }�� \�� ]��is the present Chairman of the Audit Committee of the Board. ]��?� �� _�� \�""�� "�� "�� following dates:

;�;�� ;�;�� ;�;�� ;�;�� ;�;�� ;�;��

�;;�� ;;�� ;�;�� 01.02.2016 �;�;�� 11.02.2016

��;�;��

The attendance record of the members in the above meetings are shown below:




during their tenure

GheeqmLeefle keÀe DeefYeuesKe

Attendance Record

DeJeefOe Period

Þeer veerjpe Yeeefì³eee j��}�� ;�;��mes��;�;��Þeer Deej. Sue. efyeMveesF& Dr. R. L. Bishnoi 1 1 ;�;��mes�;�;��Þeer efye. Heer. Mecee& Shri B. P. Sharma � � ;�;��mes��;�;��Þeer Deej.heer.cejeþs Shri R. P. Marathe � � ;�;��mes��;�;��Þeer Deej.S. MebkeÀj veeje³eCeve j��;��;�j��}�� 8 8 ��;�;��mes��;�;��

meerF&Dees keÀjles nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve $eÝCe Devegceesove meefceefle keÀer efvecveefueefKele leejerKeeW keÀes 30 yewþkeWÀ ngF& :

GHejeskeÌle yewþkeÀeW ceW meom³eeW keÀer GHeeqmLeefle keÀe DeefYeuesKe efvecveevegmeej nw:

yees[& keÀer uesKee hejer#ee meefceefle :

yees[& keÀer uesKee hejer#ee meefceefle (Smeeryeer) keÀe ieþve Yeejleer³e efj]peJe& yeWkeÀ kesÀ efoMeeefveoxMeeW kesÀ DevegmejCe ceW efveosMekeÀ ceb[ue Üeje efkeÀ³ee ie³ee nw~ ³en Smeeryeer efveosMe osleer nw leLee yeQkeÀ kesÀ mebhetCe& uesKee-hejer#ee keÀe³e& kesÀ heefj®eeueve keÀe he³e&Jes#eCe Yeer keÀjleer nw~

uesKee hejer#ee meefceefle ceW 5 meom³e nQ, DeLee&le efvejer#eCe efJeYeeie kesÀ he´Yeejer keÀe³e&heeuekeÀ efveosMekeÀ, mejkeÀej veeefceleer efveosMekeÀ, Yeejleer³e efj]peJe& yeQkeÀ kesÀ veeefceleer efveosMekeÀ Deewj 2 Dev³e efveosMekeÀ~ Jele&ceeve ceW Þeer veerjpe Yeeefì³ee, meveoer uesKeekeÀj efveosMekeÀ yees[& keÀer uesKee hejer#ee meefceefle kesÀ DeO³e#e nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes uesKee hejer#ee meefceefle keÀer 13 yewþkeWÀ ngF& :

GHejeskeÌle yewþkeÀeW ceW meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej nw :

�


�� *�� +�� +�� #�� \�""�� prior to the placing before the Board of Directors for approval.

Stakeholders Relationship Committee :In compliance of Regulation 20 of SEBI-LODR Regulations ¡� �� j�� \�""�� #�� ?�� '�� +�� ?�� >�� j�� >�� ;�� '��"�� "� �� ?� �� been replied / redressed till date. Investors’ grievances are ��"��+��"��;� <�� \�""�� "�� =!�� ]�� +�� ]��;� |�� #�� j�� }��j��]��;

j�� \�"�� j�� \�"��%��;

]��?� �� >�� \�"��;�All of these have been resolved and there are no pending ��"��j\%�=j��;�;��;

<��\�""��"�� "��?� ��_��+��?�dates:

��;�;�� ;;�� 26.02.2016

The attendance record of the members is shown below:




during their tenure


Attendance Record

DeJeefOe Period


megÞeer Ssvee je@³e ��;�� 8 6 �;�;��;�;��

Þeer Devethe JeOeeJeve Shri Anup Wadhawan � 2 ;�;��;�;��

Þeer Sme. Sme. yeeefjkeÀ Shri S. S. Barik �� 8 ;�;��;�;��

Þeer mebpeerJe kegÀceej Dejesæ[e j��j��"�� 12 12 ;�;��;�;��




during their tenure


Attendance Record

DeJeefOe Period

Þeer veerjpe Yeeefì³ee j��}�� ;�;��;�;��

Þeer efye.heer.Mecee& Shri B. P. Sharma � � ;�;��;�;��

Þeer Deej.heer.cejeþs Shri R. P. Marathe � 1 ;�;��;�;��

Þeer Deej.S. MebkeÀj veeje³eCeve j��;��;�j��}�� ;�;��;�;��

Þeer [er.njerMe Shri D. Harish 1 0 ;�;��;�;��

Þeer mebpeerJe kegÀceej Dejesæ[e Shri S. K. Arora 1 1 �;;��;�;��

Share Transfer Committee|�� "�� ?��?� ]�� \=%�� =!�� ]�� +�� ]��;�<�� \�""�� "�� "�� ?� ��_��+��?��{

yeQkeÀ kesÀ iewj-uesKee hejeref#ele efleceener heefjCeeceeW Deewj Je<e& kesÀ uesKee hejeref#ele heefjCeeceeW keÀer yees[& Üeje mJeerkeÀej efkeÀS peeves nsleg GvekesÀ mece#e he´mlegle keÀjves kesÀ henues yees[& keÀer uesKee hejer#ee meefceefle Üeje meceer#ee keÀer ieF&~

mìskeÀ nesu[j mebyebOe meefceeflemesyeer-SueDees[erDeej efJeefve³eceve 2015 kesÀ efJeefve³ece 20 kesÀ heéJeOeeve kesÀ Devegªhe keÀe@heexjsì Meemeve hej mesyeer kesÀ efoMeeefveoxMeeW kesÀ Devegheeueve ceW Mes³ejeW kesÀ DeblejCe, legueve he$e heéhle ve nesves, ueeYeebMe heéhle ve nesves Fl³eeefo kesÀ mebyebOe ceW Mes³ejOeejkeÀeW/efveJesMekeÀeW keÀer efMekeÀe³eleeW kesÀ efveJeejCe nsleg mìskeÀnesu[j mebyebOe meefceefle keÀe ieþve efkeÀ³ee ie³ee nw~ Je<e& kesÀ oewjeve efveJesMekeÀeW mes Deye lekeÀ heéhle meYeer efMekeÀe³eleeW/meobYeeX keÀe GÊej efo³ee ie³ee/efveheìe³ee ie³ee~ mebyebefOele peevekeÀejer heéhle nes peeves kesÀ yeeo heé³e:meele efoveeW kesÀ Deboj efveJesMekeÀeW keÀer efMekeÀe³eleW hej keÀej&JeeF& keÀer peeleer nQ~ Fme meefceefle ceW keÀe³e&heeuekeÀ efveosMekeÀieCe Deewj oes mJeleb$e Mes³ejOeejkeÀ efveosMekeÀ nQ~ Þeer veerjpe Yeeefì³ee, Mes³ejOeejkeÀ efveosMekeÀ Fme meefceefle kesÀ DeO³e#e nQ~

Þeer jepeerJe Yeeefì³ee, kebÀheveer meef®eJe, Fme GÎsM³e kesÀ efueS yeQkeÀ kesÀ Devegheeueve DeefOekeÀejer nQ~

Je<e& 2015-16 kesÀ oewjeve yeQkeÀ ves 25 efMekeÀe³eleW heéhle keÀer~ Fve meYeer efMekeÀe³eleeW keÀe efveheìeve efkeÀ³ee ie³ee nw Deewj ³eLee 31.03.2016 keÀes SmemeerDeesDeejF& ceW keÀesF& efMekeÀe³ele uebefyele veneR nw~

Je<e& kesÀ oewjeve efvecveefueefKele leejerKeeW hej meefceefle keÀer 3 yewþkeWÀ Dee³eesefpele keÀer ieF&:

��;�;�� ;;�� 26.02.2016

Mes³ej DeblejCe meefceefleFme meefceefle ceW heýebOe efveosMekeÀ SJeb meerF&Dees, keÀe³e&heeuekeÀ efveosMekeÀieCe Deewj oes Dev³e efveosMekeÀ nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes meefceefle keÀer 5 yewþkeÀ ngF& :

meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveefueefKele nw:

�


Committee of Directors for Risk ManagementThis committee was formed to review and evaluate the overall ��"��#��;�|��"��\��"��?��?�]�� \=%�� =!�� ]�� +�� ;�<��""��"�� "��?� ��_�� +��?�dates:

;�;�� ;�;�� ;;�� ;;�� 26.02.2016

��;�;�� ;�;�� ;�;�� 26.02.2016

Committee of Directors for Customer Service �� |� ?�� \��"�� j�� \�""�� +�� "�� j��"#�� ;� <�� ""�� #��?� �#�� "��"�� *�� "�� #�� ?��?� #��and to review the performance of the Standing Committee on \��"��j�� [�� ^;� |�� "��?��?�]�� \=%�� =!�� ]�� %|� }�"��]�� +�� ;� <�� ""�� "�� "��?��_��+��?��{

�;�;�� ;�;�� ;�;�� ;�;��

Remuneration Committee of Directors Government of India announced Performance Linked Incentive Scheme for Whole Time Directors of Public Sector Banks. The incentive is based on certain qualitative as well as quantitative ��"�� "�� =�� !� �� #�� the Statement of Intent on goals and benchmarks based on �� "�� ?� �� ;�|�� "�� "�� \�""��of the Board was constituted for evaluation of the performance and to decide on the incentive amount to be awarded / paid ��?��;� |��"��\��"��"��}�"��]�� |� }�"�� ]�� +�� ;� <��"��?�+��;�;��

Nomination Committee of Directors�� j�� [�^� [�^� �� ?� \�"��[��*�� <�� ?�^� �� |�� +�� _�� #�� #�� #�� Boards of the Nationalised Banks. The Nomination Committee �� \��"�� ;� }�"�� ]�� }��>=!�� ]��;� ]��?� �� _�� ""�� "�� ;;�� _�� Shareholders Directors.

Business Review Committee <�� \�""�� +�� "�� +� �� ?�� "�� ;� <�� ""�� \��"��?��?� ]�� \=%�� =!�� ]�� +�� ]��;�]��?��_��"��+��?��

�;�;�� ;�;�� ;�;�� ;�;��

�;;�� ;�;��

peesefKece heýebOeve kesÀ efueS efveosMekeÀeW keÀer meefceefleFme meefceefle keÀe ieþve yeQkeÀ Üeje efueS ieS mecemle peesefKeceeW keÀer meceer#ee Deewj cetu³eebkeÀve keÀjves kesÀ efueS efkeÀ³ee ie³ee Lee~ Fme meefceefle ceW DeO³e#e, heýebOe efveosMekeÀ SJeb meerF&Dees, keÀe³e&heeuekeÀ efveosMekeÀieCe Deewj oes Dev³e efveosMekeÀ nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes meefceefle keÀer 4 yewþkeWÀ ngF& :

ieénkeÀ mesJee kesÀ efueS efveosMekeÀeW keÀer meefceefleDeejyeerDeeF& kesÀ efoMeeefveoxMeeW kesÀ Devegmeej yees[& keÀer ieénkeÀ mesJee meefceefle keÀe ieþve efmelecyej 2004 ceW efkeÀ³ee ie³ee Lee~ meefceefle keÀe keÀe³e& DeefJejle DeeOeej hej yeQkeÀ Üeje efo³es pee jns ieénkeÀ mesJee keÀer iegCeJeÊee ceW megOeej ueevee Deewj ieénkeÀ mesJee hej mLee³eer meefceefle kesÀ keÀe³e&efve<heeove keÀer meceer#ee (heÓeeve keÀe³ee&ue³e ceW) keÀjvee nw~ Fme meefceefle ceW heýebOe efveosMekeÀ SJeb meerF&Dees, leerve keÀe³e&heeuekeÀ efveosMekeÀieCe ,Yeejle mejkeÀej veeefceleer efveosMekeÀ Deewj oes Dev³e efveosMekeÀ nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes meefceefle keÀer 4 yeQþkeWÀ ngF&~

efveosMekeÀeW keÀer heeefjÞeefcekeÀ meefceefleYeejle mejkeÀej ves meeJe&peefvekeÀ #es$e kesÀ yeQkeÀes kesÀ hetCe&keÀeefuekeÀ efveosMekeÀeW kesÀ efueS keÀe³e&efve<heeove mebye× heéslmeenve ³eespevee keÀer Iees<eCee keÀer nw~ ³en heéslmeenve efJeiele efJeÊeer³e Je<e& kesÀ oewjeve efJeefYeVe Devegheeueve efjheesìeX hej DeeOeeefjle mìsìceWì Dee@HeÀ Fvìsvì Dee@ve ieesume SC[ yeW®eceeke&À kesÀ DeeOeej hej keÀe³e&efve<heeove cetu³eebkeÀve cesefì^keÌme kesÀ efueS keÀeflehe³e iegCeelcekeÀ kesÀ meeLe meeLe cee$eelcekeÀ ceeveob[eW hej DeeOeeefjle nw~ GÊeÀ efveosMe kesÀ Devegheeueve kesÀ efueS Je<e& kesÀ oewjeve keÀe³e&efve<heeove kesÀ cetu³eebkeÀve Deewj oer peeves /Yegieleeve keÀer peeves Jeeueer heéslmeenve jkeÀce kesÀ efueS yees[& keÀer heeefjÞeefcekeÀ meefceefle ieefþle keÀer ieF&~

Fme meefceefle ceW DeO³e#e ,mejkeÀejer veeefceleer efveosMekeÀ, DeejyeerDeeF& veeefceleer efveosMekeÀ Deewj oes Dev³e efveosMekeÀ nQ~ meefceefle ves 12.12.2015 keÀes yewþkeÀ keÀer~

efveosMekeÀeW keÀer veeceebkeÀve meefceefleyeQkeÀkeÀejer kebÀheveer ( Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece 1970 keÀer Oeeje 9(3)(i) kesÀ heéJeOeeveeW kesÀ lenle jeäêr³eke=Àle yeQkeÀeW kesÀ yees[& ceW efveosMekeÀeW kesÀ ®e³eve kesÀ efueS J³eefÊeÀ³eeW keÀes Yeejleer³e efj]peJe& yeQkeÀ Üeje jKes ieS èfHeÀì SJeb heéshej` ceeveob[ keÀes hetje keÀjvee nesiee~ Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ MeleeX kesÀ Devegmeej veeceebkeÀve meefceefle ceW DeO³e#e, mejkeÀejer veeefceleer efveosMekeÀ Deewj 2 iewj keÀe³e&heeuekeÀ efveosMekeÀ nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve meefceefle ves Mes³ejOeejkeÀ efveosMekeÀeW kesÀ èfHeÀì SJeb heéshej' eqmLeefle keÀe helee ueieeves kesÀ efueS SkeÀ yeej 02.11.2015 keÀes yewþkeÀ keÀer~

keÀejesyeej meceer#ee meefceefleefve³eecekeÀ kewÀuesC[j ceoeW keÀer DeeJeefOekeÀ meceer#ee kesÀ efueS meefceefle keÀe ieþve efkeÀ³ee ie³ee~ Fme meefceefle ceW DeO³e#e, heýebOe efveosMekeÀ SJeb meerF&Dees, keÀe³e&heeuekeÀ efveosMekeÀieCe Deewj 02 Dev³e efveosMekeÀ nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW ceW yeQþkeWÀ ngF&~

��


Investment Approval CommitteeThe Investment Approval Committee was formed to take investment decisions. It consists of the Managing Director & \=%��=!��]��?��¡��?�"�� ?�� ¡� _��;� ]��?� �� _�� "�� the following dates:

��;�;�� 20.01.2016

IT Strategy Committee The committee was formed in compliance of guidelines issued #�� |�� |<� j��?�� "�� "�� |<� ��;� |<�j��?�� \�""�� \��"�� =!�� ]��;� }�"�� ]�� +�� }��>=!�� ]��;�|�� "�� *�� ;� ]��?� �� _�� "�� following dates:

�;�;�� ;�;�� ;�;�� ;�;��

Directors Promotion Committee The Members of this committee are the Managing Director & \=%��"��}�"��]��|�}�"��]��;�]��?��_��"��+��?��{

�;;�� 09.01.2016 16.01.2016 19/20.02.2016

Attendance of the Directors at the last Annual General Meetingj�� ;� ;� j��"�� j�� ;� ;� �� j�� ;� �;� j��}��]�;��;��;��j��}��j��j��j��$��j��?�� ;�;��}��?��;�;��

Share Transfers and Redressal of Shareholders`/Investors` Grievances :j�� <�� ]�� '� �� "�� investor related activities are attended to and processed at the �� ?�� <�� ?��;� _�� ?�"�� "��*��'��"�� '?��shareholders and investors are requested to contact

For Equity Shares and Debentures/ Bonds ��?��j�� ;��;��=>��|��=��j��[=^��"#�� >�� ="��{� ��ªbigshareonline.com

�� "��#�� "�� Investor Relations Department at

j�� $�� th� _�� =�� ?�� \>�� >�� \�"��!�� [=^�� "#�� >��_�!>��>��

E-mail: ��;��ª#��ndia.co.in

efveJesMe Devegceesove meefceefleefveJesMe mebyebefOele efveCe&³e uesves kesÀ efueS efveJesMe Devegceesove meefceefle keÀe ieþve efkeÀ³ee ie³ee~ Fme meefceefle ceW heýebOe efveosMekeÀ SJeb meerF&Dees, keÀe³e&heeuekeÀ efveosMekeÀieCe, ceneheýebOekeÀ-peesefKece heýebOeve Deewj ceneheýebOekeÀ - efJeÊe nQ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes meefceefle keÀer yewþkeÀ ngF&

��;�;�� 20.01.2016

DeeF&.ìer. keÀe³e&veerefle meefceefleDeeF&.ìer. keÀe³e&veerefle³eeW hej efveCe&³e uesves kesÀ efueS leLee DeeF&.ìer. heefj³eespeveeDeeW kesÀ #es$e ceW ngS efJekeÀeme keÀer efveiejeveer kesÀ efueS Yeejleer³e efj]peJe& yeQkeÀ Üeje he´sef<ele efoMeeefveoxMeeW kesÀ Devegheeueve ceW ³en meefceefle ieefþle keÀer ieF&~ FmeceW DeO³e#e, keÀe³e&heeuekeÀ efveosMekeÀieCe, mejkeÀej veeefceleer efveosMekeÀ leLee oes Dev³e DebMekeÀeefuekeÀ iewj-mejkeÀejer efveosMekeÀ Meeefceue nQ~ ³en efleceener kesÀ Deblejeue ceW efceueleer nw~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve efvecveefueefKele leejerKeeW keÀes meefceefle keÀer yewþkeÀ ngF& -

efveosMekeÀeW keÀer heoesVeefle meefceefleFme meefceefle ceW heýebOe efveosMekeÀ SJeb meerF&Dees, mejkeÀej veeefceleer efveosMekeÀ Deewj DeejyeerDeeF& veeefceleer efveosMekeÀ meom³e nQ ~ efJeÊeer³e Je<e& 2016 kesÀ oewjeve meefceefle efvecveefueefKele efleefLe³eeW keÀes efceueer-

efJeiele Jeee|<ekeÀ Deece yewþkeÀ ceW efveosMekeÀeW keÀer GheeqmLeefleÞeer efye.heer.Mecee&, Þeer Deej.heer. cejeþs, Þeer Deej.S. MebkeÀj veeje³eCeve, [e@ Deej.Sue. efyeMveesF&, Þeer veerjpe Yeeefì³ee, Þeer Sme.kesÀ. Dejesje SJeb Þeer njeEJeoj eEmen , efoveebkeÀ 20.07.2015 keÀes ngF& yeQkeÀ keÀer efheíueer DeLee&le GefVemeJeer Jeee|<ekeÀ Deece yewþkeÀ ceW GheeqmLele Les~

Mes³ej DeblejCe Deewj Mes³ejOeejkeÀeW/efveJesMekeÀeW keÀer efMekeÀe³eleeW keÀe efveJeejCe :Mes³ej DeblejCe, ueeYeebMe/ y³eepe keÀe Yegieleeve Deewj efveJesMekeÀeW mes mebyebefOele Dev³e meYeer keÀe³e&keÀueeheeW hej keÀej&JeeF& nceejs hebpeer³ekeÀ SJeb DeblejCe SpeWì kesÀ keÀe³ee&ue³e ceW keÀer peeleer nw~ FveceW mes efkeÀmeer omleeJespe keÀes pecee keÀjves Deewj efkeÀmeer Yeer hetíleeí/efMekeÀe³ele/keÀefþveeF³eeW kesÀ mebyebOe ceW Mes³ejOeejkeÀeW SJeb efveJesMekeÀeW mes efvecveefueefKele heles hej mebheke&À keÀjves keÀe DevegjesOe nw :

FeqkeÌJeìer Mes³ej Deewj yee@v[/ ef[yeW®ej kesÀ efueSefyeieMes³ej mee|Jemesme heé.efue F&-2, Devemee Fb[eqmì^³eue Smìsì, meekeÀerveekeÀe, DebOesjer ( hetJe&) cegbyeF&- 400072HeÀesve -022-4043200, HewÀkeÌme 022-28475207 F& cesue :� ��ªbigshareonline.com

Ghe³eg&ÊeÀ kesÀ DeueeJee, efveJesMekeÀ efvecveefueefKele heles hej yeQkeÀ kesÀ Mes³ej efJeYeeie mes Yeer mebheke&À keÀj mekeÀles nQ:

mìej neGme, 8 JeeR cebefpeue, hetJeeaKeC[, meer-5, peer yuee@keÀ, yeebêe kegÀuee& mebkegÀue, yeebêe (hetJe&), cegbyeF& - 400 051, HeÀesve 022-66684444, HewÀkeÌme- 022-66684491,

F&-cesueë ��;��ª#��ndia.co.in

��


General Body Meetings

yewþkeÀ keÀe mJeªHe Nature of Meeting efoveebkeÀ SJeb mece³e Date & Time

mLeeve Venue

efJeMes<e mebkeÀuhe Special Resolution

1 DemeeOeejCe Deece yewþkeÀ =!��Meeting

29.03.2016 hetJee&Ú

10.30 yepes��;�;�� ;��;�;

yeQkeÀ Dee@]HeÀ Fbef[³ee Dee@ef[ìesefj³ece, mìej neGme, yeebêe kegÀuee& mebkegÀue, yeebêe (hetJe&) cegbyeF& - 400 051,�� |�� "��j�� $�� \�"��!��"#��;

1. he´eefOeke=Àle hetbpeer ceW Je=ef× 2. veS Mes³ej Deewj efì³ej-1 Deewj efì³ej-2

yee@v[/DeefOeceeveer Mes³ej peejer keÀjvee ~ 3. pevejue FvM³egjWme keÀeheexjsMeve Dee@HeÀ

Fbef[³ee keÀes Mes³ej peejer keÀjvee ~ 1. Increase in Authorised Capital�;� |�� _�� j��

Tier-1 and Tier-2 Bonds/ Preference Shares

�;� |�� j�� Insurance Corporation of India


21.12.2015 hetJee&Ú

10.30 yepes�;�;�� ;��;�;

yeQkeÀ Dee@]HeÀ Fbef[³ee Dee@ef[ìesefj³ece, mìej neGme, yeebêe kegÀuee& mebkegÀue, yeebêe (hetJe&) cegbyeF& - 400 051,�� "�� j��$�� >��\�"��!��"#��;

DeefOeceeveer DeeOeej hej Yeejle mejkeÀej keÀes Mes³ej peejer keÀjveeIssue of Shares to Life Insurance Corporation of India on preferential basis

� DemeeOeejCe Deece yewþkeÀ =!��Meeting

28.09.2015 hetJee&Ú 10.30

��;�;�� ;��;�;


veS Mes³ej Deewj efì³ej-1 Deewj efì³ej-2 yee@v[/DeefOeceveer Mes³ej peejer keÀjvee ~Issue of Shares to Government of India on preferential basis

� GVemeJeeR Jeee|<ekeÀ Deece yewþkeÀ Nineteenth Annual General Meeting

20.07.2015hetJee&Ú 11.00 yepes

�;�;�� 11.00 A.M.


veS Mes³ej Deewj efì³ej-1 Deewj efì³ej-2 yee@v[/DeefOeceveer Mes³ej peejer keÀjvee ~|�� _�� j�� <��>1 and Tier-2 Bonds/ Preference Shares

� DemeeOeejCe Deece yewþkeÀ =!��Meeting


�;�;�� 11.00 A.M.


DeefOeceeveer DeeOeej hej Yeejleer³e peerJeve yeercee efveiece Deewj v³et Fbef[³ee SMegjWme keÀeheexjsMeve keÀes Mes³ej peejer keÀjveeIssue of Shares to Life Insurance Corporation of India and New India Assurance Corporation of India on preferential basis



�;;�� ;��;�;


Mes³ejOeejkeÀeW ceW mes efveosMekeÀeW keÀe ®egveeJeElection of Directors amongst Shareholders

7 DeþejnJeeR Jeee|<ekeÀ Deece yewþkeÀ Eighteenth Annual General Meeting

10.07.2014DeHejeÚ 3.00 yepes

;�;�� ;� ;�;


veS Mes³ej Deewj efì³ej-1 Deewj efì³ej-2 yee@v[/DeefOeceveer Mes³ej peejer keÀjvee|�� _�� j�� <��>1 and Tier-2 Bonds/ Preference Shares


03.12.2013 hetJee&Ú 11.00 yepes

�;�;�� 11.00 A.M.

yeQkeÀ Dee@]HeÀ Fbef[³ee Dee@ef[ìesefj³ece, mìej neGme, yeebêe kegÀuee& mebkegÀue, yeebêe ( hetJe&) cegbyeF& - 400 051,�� "�� j��$�� >��\�"��!��"#��;

DeefOeceeveer DeeOeej hej Yeejle mejkeÀej keÀes Mes³ej peejer keÀjveeIssue of Shares to Government of India on preferential basis

9 me$enJeeR Jeee|<ekeÀ Deece yewþkeÀ Seventeenth Annual General Meeting


��;�;�� 11.00 A.M.


Deece meYee keÀer yewþkeWÀ :

��


Disclosures :<�� ?�� ?��?�� Banking Companies (Acquisition and Transfer of Undertakings) Act 1970 and Nationalised Banks (Management & Miscellaneous ��^� j��"�� ;� j=�|� �� ?�� [�^� �� +�� "�� #�� #�� #�� ?�� \�� ?�� !�� ?�� #�� relevant authorities.i) Remuneration of Directors : The remuneration of the Managing Director & CEO and the

=!��]��!��#��\��"��;�<��"��!��?��+��{

� _��?�{�`� ��'>��"��?� _��\�""��?�{�`� �'>��"��?ii) Disclosure of Material Transactions and Pecuniary

Relationship� %��"��#��?�#��

�� "�� ?��+��"��"��?�"�� #�� ;� �� "�� +��?�;�<��+�� >�!��>�>��#��?��;�

It is an established practice in the Bank that Directors do not take part in the deliberations of the Board and other Sub-\�""��+��"��?��"��to their relatives are discussed.

iii) Proceeds From Public issues, Right issues, Preferential issues etc.

� ]��?� �� +�� +��?��#��=*��j��<��>||��

Date of Allotment Particulars (Investors) Number of

SharesPrice per

ShareAmount

(` In Crore)�;�;�� Government of India �� ;� ��;;�� Life Insurance Corporation �� ;� ��;�;�� General Insurance

Corporation of India�� 86.22 �

* Government of India [��"��;�;��^

�� ;��

* Life Insurance Corporation [��"��;�;��^

�� ;� ��;��

�;�;�� ;��<��>��

� ¦�<��+��th��;� <�� +�� +�� "�� #��

augmenting Tier-I&II Capital for strengthening Capital ��*��"��?��?>��"��of the Bank and the same were utilised for the said purpose.

iv.� }��+��"��#��j��=!��?��j=�|��j��"��?��\��?��+;

v.� �� *�� ?�� [�^� �� j=�|� �%]��?��>�� #�� !�"�� "� �� ?� \�"�� j�� +�� ?�� ?� �� "�� #>��+��!��?��*��+��"��?�"��;�<��+�#��j=��}j=��+��*��+��;�

vi.� |�� "�� j=�|�� }�;]�\\'_|<<\'\|�>�� ]��"#��

He´keÀìveëyeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece 1949, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece 1970 Deewj jeäêr³eke=Àle yeQkeÀ (heýebOeve Deewj efJeefJeOe heéJeOeeve) ³eespevee 1970 kesÀ Debleie&le yeQkeÀ Meeefmele nw~ mesyeer ves ³en mheä efkeÀ³ee nw efkeÀ efJeefve³ece 15(2) kesÀ Debleie&le met®eerye× mebmLeeSb pees kebÀheefve³eeb veneR nw eEkeÀleg keÀeheexjsì efvekeÀe³e nQ ³ee Dev³e mebefJeefOe kesÀ efJeefve³ece kesÀ DeOeerve nw keÀeflehe³e efJeefve³eceve kesÀ lenle ³eLee efvee|oä keÀejheesjsì Meemeve heĆeeueer kesÀ heéJeOeeve Gme meercee lekeÀ ueeiet nw peneb GvekesÀ mebyeeqvOele heéefOekeÀeefj³eeW Üeje peejer efoMeeefveoxMeeW leLee mebyebefOele mebefJeefOe keÀe GuuebIeve ve nes jne nes~

i) efveosMekeÀeW keÀe heeefjÞeefcekeÀ: heýebOe efveosMekeÀ SJeb meerF&Dees leLee keÀe³e&heeuekeÀ efveosMekeÀ keÀe heeefjÞeefcekeÀ keWÀêer³e

mejkeÀej Üeje efveOee&efjle efkeÀ³ee peelee nw~ yeQkeÀ DeMeemekeÀer³e efveosMekeÀeW keÀes yewþkeÀ MegukeÀ, pees efkeÀ efvecveefueefKele nw, kesÀ DeueeJee Dev³e efkeÀmeer heeefjÞeefcekeÀ keÀe Yegieleeve veneR keÀjlee nw:

yees[& yewþkeÀeW kesÀ efueS : ` 20,000/- heéfle yewþkeÀ meefceefle yewþkeÀeW kesÀ efueS : ` 10,000/- heéfle yewþkeÀ

ii) cenlJehetCe& mebJ³eJenejeW Deewj Deee|LekeÀ mebyebOeeW keÀe he´keÀìve yeQkeÀ keÀejesyeej keÀer meeceev³e heke=Àefle kesÀ DeueeJee yeQkeÀ ves keÀesF& cenlJehetCe& YeeweflekeÀ

mebJ³eJenej FmekesÀ heJele&keÀeW, efveosMekeÀeW DeLeJee heyebOeve, GvekeÀer mene³ekeÀ kebÀheefve³eeW DeLeJee mebyebefOe³eeW Deeefo mes veneR efkeÀ³ee nw efpemekeÀe yeQkeÀ kesÀ efnleeW mes keÀesF& cenlJehetCe& efJejesOeeYeeme nes mekeÀlee nes~ yeQkeÀ Deewj FmekesÀ iewj-keÀe³e&heeuekeÀ efveosMekeÀ kesÀ yeer®e Je<e& kesÀ oewjeve keÀesF& Deee|LekeÀ mebyebOe DeLeJee mebJ³eJenej veneR ngS nQ~

yeQeEkeÀie ceW ³en megmLeeefhele he´Lee nw efkeÀ efveosMekeÀ, ceb[ue Deewj ceb[ue keÀer Ghe meefceefle³eeW keÀer Gve ®e®ee&DeeW ceW Yeeie veneR uesles peye Gvemes mebyebefOele ³ee GvekesÀ efjMlesoejeW mes mebyebefOele keÀesF& ceeceuee yees[& ceW ®e®ee&Oeerve neslee nes~

iii) meeJe&peefvekeÀ efveie&ceeW, DeefOekeÀej efveie&ceeW, DeefOeceev³e efveie&ceeW Deeefo keÀer Deeiece jeefMe³ee@b

meceer#eeOeerve Je<e& kesÀ oewjeve, hetbpeer keÀes yeæ{eves kesÀ efueS yeQkeÀ ves efvecve F&eqkeÌJeìer Mes³ej Deewj efì³ej-II yeeBv[ peejer efkeÀS nQ :-

Deeyebìve keÀer leejerKe efJeJejCe (FveJesmìj) MeskeÀejeW keÀer

mebK³eeHeéfle Mes³ej efveie&ce cetu³e

jeefMe (` keÀjesæ[ ceW)

�;�;�� Yeejle mejkeÀej �� ;� ��;;�� Yeejleer³e peerJeve yeercee efveiece �� ;� ��;�;�� pevejue FbMeesjsvme keÀe@jheesjsMeve

Dee@]HeÀ Fbef[³ee�� 86.22 �

* Yeejle mejkeÀej (SeqhuekesÀMeve ceveer 30.03.2016 heehle ngF&)

�� ;��

* Yeejleer³e peerJeve yeercee efveiece (SeqhuekesÀMeve ceveer 31.03.2016 heéhle ngF&)

�� ;� ��;��

�;�;�� 8.52% efì³ej 2 yeeB[ - 2025 � ��

* ³es Mes³ej 4 ceF& 2016 keÀes Deeyebefìle efkeÀS ieS~ hetbpeer he³ee&hlelee Devegheele keÀes meMeÊeÀ keÀjves kesÀ efueS leLee yeQkeÀ keÀer uebyeer DeJeefOe

kesÀ m$eeWlees keÀes efJekeÀefmele keÀjves kesÀ efueS mebJee|Oele efì³ej I leLee II kesÀ heéLeefcekeÀ GÎsM³e meefnle efveefOe yeæ{eF& ieF& leLee Fme GÎsM³e nsleg GmekeÀe Ghe³eesie efkeÀ³ee ie³ee~

iv. efkeÀmeer Yeer mìe@keÀ SkeÌme®eWpe, mesyeer ³ee Dev³e JewOeeefvekeÀ heéefOekeÀejer Üeje meceer#eeOeerve Je<e& kesÀ oewjeve yeQkeÀ hej hetbpeer yeepeej mes mebyebefOele efkeÀmeer ceeceues hej keÀesF& ob[ ³ee heéfleyebOe veneR ueiee³ee ie³ee~

v. mesyeer SueDees[erDeej efJeefve³eceve-2015 kesÀ efJeefve³ece 40 (9) keÀer DeeJeM³ekeÀlee kesÀ Devegmeej efkeÀS ieS keÀjej kesÀ Üeje DeblejCe keÀjves, he´s<eCe, Ghe efJeYeepeve, meceskeÀve, veJeerveerkeÀjCe SJeb he´mlegleerkeÀjCe kesÀ SkeÀ ceen kesÀ Yeerlej FeqkeÌJeìer Mes³eme& kesÀ efJeefvece³e kesÀ mebyebOe ceW peevekeÀejer kesÀ meeLe-meeLe J³eeJemeeef³ekeÀ kebÀheveer meef®eJe mes he´l³eskeÀ í: ceen ceW SkeÀ hećeeCe he$e heéhle efkeÀ³ee peelee nw~ ³en hećeeCe he$e peejer nesves kesÀ 30 efoveeW kesÀ Yeerlej yeerSmeF& Deewj SveSmeF& keÀes peneb FeqkeÌJeìer Mes³ej met®eerye× nw, kesÀ Jesye heesì&ue hej Deheuees[ efkeÀS peeles nQ~

vi. mesyeer kesÀ heefjhe$e meb. [er SJeb meermeer/SHeÀDeeF&ìerìermeer/meerDeeFDeej-16 efoveebkeÀ 31 efomebyej, 2002 keÀer MeleeX kesÀ Devegmeej efJeMes<eeieejeW kesÀ meeLe kegÀue heéfJeä FeqkeÌJeìer

��


��*��#��#��"��?��"�� "��*��+��"�+��'��*�� |��;�\�� ?�� placed before the Board of Directors and forwarded to BSE ��}j=��+��*��|��;�

vii.� ��"��#��;viii.� |��]��?�¡�<��"��?��

|��]��+��;�;��ix.� <��?��}��>=!��]��¡�]��?��>

16 the Bank has provided the following training to Directors ��"�� "�+��#��"��¡

Date Name of Directors Name of Institute Name of Course

��;;��;;��

Dr. R. L. Bishnoi =!��Enablers

Corporate Governance Summit ‘Gatekeepers of Governance’

�;�;�� j��j��"��Arora

ICAI Round Table Interface of CA Directors

�;�;�� j��j��"��Arora

=!��Enablers

Developing Discerning Directors

x. Code of Conduct for Directors and Senior Management is �� +�#�� ¡� ��{''+++;#��;��;��'��?��'��;��!

xi.� ��+�� "��\~\�?��#��"��;� <�� "�� +�#�� ¡� http://+++;#��;��;��'��?��'j=�|;��!

xii.� �� ¡� <�� \�""��;�<�� +�#�� ¡� http://www.#��;��;��'��?��'j=�|;��!. The details of ��j>�;�

xiii.� ��"�� >� <��"��?��?�]�� \=%�� =!�� ]�� !�� #�� "��|��;�j��"�"#��per the tripartite agreement of the IBA.

Means of Communication :<�� *�� >�� [�� #��#�� "�� +� #�� j��^� �� Annual results were published in the Economic Times/Business j��'� _�� =!�� '�� =�?�� j�� 'Navshakti/Lokmat/ Apla Mahanagar in Marathi (Regional language) and Navbharat Times/Navbharat in Hindi. The results +�� +�#�� +++;#��;co.in. The presentations made to institutional investors are also available on Bank’s website�� *�� #�� j=�|� �� ?� �?��"�� |�� "�� +�#��!��?�;Financial Calendar : From 1st April, 2016 :Board Meeting for considering Annual Audited Accounts of Bank of India and recommendation of dividend

��th��

]��<�"��~��th AGM �th�Q��;��;� ;�;��|��"��j��$��>��\�"��!��"#��;

Posting of Annual Report ��th June 2016Book Closure dates 11th�Q��th

Q��]��!��"�� 8th�Q��Board Meeting for considering��>��*��

��relevant quarter.

Mes³ej hetbpeer kesÀ meceeOeeve SJeb yeQkeÀ Dee@]HeÀ Fbef[³ee keÀer kegÀue peejer/heóÊe FeqkeÌJeìer hetbpeer meefnle he´l³e#e ªhe ceW he´mlegle efkeÀS peeves kesÀ he´³eespeve kesÀ meeLe-meeLe DeY³eemeer kebÀheveer meef®eJe keÀer HeÀce& Üeje efleceener DeeOeej hej SkeÀ meef®eJeer³e uesKeehejer#ee efjheesì& keÀer peeleer nw~ Fme mebyebOe ceW peejer hećeeCehe$e efveosMekeÀ ceb[ue kesÀ mece#e he´mlegle efkeÀS peeles nQ SJeb yeerSmeF& SJeb SveSmeF& keÀes he´sef<ele efkeÀS peeles nQ peneb yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ FeqkeÌJeìer Mes³ej met®eerye× jnles nQ~

vii. Jele&ceeve ceW yeQkeÀ kesÀ heeme keÀesF& YeeweflekeÀ Deveg<ebieer veneR nw~viii. mJeleb$e efveosMekeÀeW keÀer yewþkeÀ - mJeleb$e efveosMekeÀeW keÀer Deueie yewþkeÀ 28.09.2015

keÀes Dee³eesefpele keÀer ie³eer~ix. mJeleb$e efveosMekeÀeW keÀe heéfMe#eCe :- Je<e& 2015-16 kesÀ oewjeve yeQkeÀ kesÀ keÀejesyeejer

cee@[ue leLee GÐeesie keÀer he´ke=Àefle mes heefj®e³e keÀjeves kesÀ efueS efveosMekeÀeW keÀes efvecveefueefKele heéfMe#eCe heóeve efkeÀ³ee ie³ee -

leejerKe efveosMekeÀeW kesÀ veece mebmLee keÀe veece heeþîe¬eÀce keÀe veece��;;��mes ��;;��

[e@ Deej.Sue. efyeMveesF& SkeÌmesueWì Fvesyeueme& keÀeheexjsì Meemeve heĆeeueer meefceì ìesìefkeÀheme& Dee@]HeÀ ieJeveXme'

�;�;�� Þeer mebpeerJe kegÀceej Dejesæ[e DeeF&meerSDeeF& meerS efveosMekeÀeW keÀe jeGb[ ìsyeue Fbìj ]HesÀme..

�;�;�� Þeer mebpeerJe kegÀceej Dejesæ[e SkeÌmesueWì Fvesyeueme& efJe®eejMeerue efveosMekeÀeW keÀe efJekeÀeme

x. yeQkeÀ kesÀ JesyemeeFì - ��{''+++;#��;��;��'��?��'��;��! hej efveosMekeÀeW leLee Jeefjÿ heýebOeve kesÀ efueS Dee®ejCe mebefnlee heesmì efkeÀ³ee ie³ee nw ~

xi. meerJeermeer kesÀ efoMeeefveoxMeeW kesÀ DevegmejCe ceW heoe&HeÀeMe keÀjvesJeeueer veerefle yeveeF& ieF& nw~ Fmes yeQkeÀ kesÀ yesJemeeFì ��{''+++;#��;��;��'��?��'j=�|;��! hej heesmì efkeÀ³ee ie³ee nw~

xii. mebyebefOele veerefle keÀe uesveosve : mebyebefOele he#e uesveosve keÀes uesKee hejer#ee meefceefle keÀes efjheesì& keÀer peeleer nw~ mebyebefOele he#e kesÀ uesveosve hej yeQkeÀ keÀer veerefle keÀes yeQkeÀ kesÀ JesyemeeFì http://+++;#��;��;��'��?��'j=�|;��! hej heesmì efkeÀ³ee ie³ee nw~ mebyebefOele he#e kesÀ uesveosve keÀe efJemle=le JeCe&ve SSme-18 kesÀ Debleie&le nw~

xiii. heeefjÞeefcekeÀ veerefle - heyebOe efveosMekeÀ SJeb meerF&Dees leLee keÀe³e&heeuekeÀ efveosMekeÀeW keÀer heeefjÞeefcekeÀ Yeejle mejkeÀej Üeje efveOee&efjle keÀer peeleer nw~ Dev³e mìeHeÀ meom³eeW kesÀ Jesleve keÀe efveOee&jCe Yeejleer³e yeQkeÀ mebIe kesÀ meeLe ef$ehe#eer³e mecePeewles kesÀ Devegmeej neslee nw~

meb®eej - meeOeve :efleceener leLee DeOe&Jeee|<ekeÀ efJeÊeer³e heefjCeece (DeuesKeehejeref#ele eEkeÀleg meebefJeefOekeÀ uesKeehejer#ekeÀeW Üeje meerefcele meceer#ee kesÀ DeO³eOeerve) leLee uesKeehejeref#ele Jeee|<ekeÀ heefjCeece Debie´speer kesÀ FkeÀeveeefcekeÀ ìeFcme/efye]pevesme mìQ[[&/HeÀeFveseqvMe³eue SkeÌmehe´sme/efye]pevesme ueeFve ceW, cejeþer ceW(#es$eer³e Yee<ee) mekeÀeue/veJeMeefÊeÀ/ueeskeÀmeÊee/Deeheuee ceneveiej ceW leLee efnvoer ceW veJeYeejle ìeFcme/veJeYeejle ceW he´keÀeefMele ngDee~ heefjCeece keÀes yeQkeÀ kesÀ JesyemeeFì www.#��;��;�� hej Yeer heóe|Mele efkeÀ³ee ie³ee nw~ mebmLeeiele efveJesMekeÀeW keÀes keÀer ieF& he´mlegefle³eeb Yeer yeQkeÀ kesÀ JesyemeeFì hej GheueyOe nw~mesyeer leLee met®eerye× keÀjej Üeje DeeJeM³ekeÀleevegmeej, yeQkeÀ Dee@]HeÀ Fbef[³ee ves mìe@keÀ SkeÌme®eWpe kesÀ Jesye heesì&ueeW ceW Dee@veueeFve efJeÊeer³e leLee Dev³e met®eveeSb ]HeÀeFue keÀjlee nw~efJeÊeer³e keÀueW[j : 1 Dehe´wue, 2016 mes

yeQkeÀ Dee@]HeÀ Fbef[³ee keÀe Jeee|<ekeÀ uesKeehejer#ee Keelee leLee ueeYeebMe DevegMebmee keÀes efJe®eejLe& yees[& yewþkeÀ ceW he´mlegefle

24 ceF&, 2016

20 JeeR Jeee|<ekeÀ Deece-meYee keÀe efoveebkeÀ, mece³e, mLeeve 14 pegueeF&, 2016 DehejeÚ 3.00 yepes yeQkeÀ Dee@]HeÀ Fbef[³ee Dee@[esìesefj³ece, mìej neGme, yeebêe-kegÀuee& keÀe@chueskeÌme, cegbyeF&-400 051

Jeee|<ekeÀ efjheesì& keÀe he´s<eCe 18 petve, 2016 lekeÀ

yener yebo keÀjves keÀer efleefLe 11 pegueeF&, 2016 mes 14 pegueeF& , 2016

Hejes#eer HeÀece& heéeqhle keÀer Debeflece efleLeer 8 pegueeF&, 2016

He´Lece leerve efleceeefn³eeW keÀer DeuesKeeHejeref#ele HeefjCeece kesÀ efJe®eejeLe& yees[& keÀer yewþ

mebyebefOele efleceener kesÀ 45 efoveeW ceW~

��


Listing on Stock ExchangesThe shares of the Bank are listed on The BSE Ltd. and The }��j��=!��?�� |��"��;�<��are as follows:

The BSE Ltd. (BSE) ��'��}�|}]|�

}�� j�� =!��?�� |��Limited (NSE)

BANKINDIA EQ

ISIN Number |}=��

Annual listing fee for 2016-17 has been paid to both of the stock exchanges.The Bank has issued Non Convertible Bonds in the nature of ��"�� }�� '� ]�#�� [<�� |� �� ||� ��^� ��"� ��"�� time. The relevant details thereof are as under:

��}�� %_� |}]|�� %}]� ¡� <|=�� |� �� <|=�� ||� \� |<�� %j|<|%}��j�%}��;�;��

ke´À.meb. Sr.No efveie&ce keÀe efJeJejCe PARTICULARS OF THE ISSUE

kegÀue cetu³e (` keÀjesæ[ ceW)

TOTAL VALUE (` in Crores)

DeeF&SmeDeeF&Sve veb. ISIN NO.

1 8.00% yeerDeesDeeF& Þe=bKeuee - IX - 2016 �;��%|�j=�|=j�¡�|£�¡�� 200.00 |}=��

2 9.80% yeerDeesDeeF& Þe=bKeuee - X - 2023 �;��%|�j=�|=j�¡�£�>�� 1000.00 |}=��

� 9.80% yeerDeesDeeF& Þe=bKeuee - XI - 2023 �;��%|�j=�|=j�¡�£|�¡�� ; |}=��

� 8.52% yeerDeesDeeF& Þe=bKeuee - XII - 2025 ��%|�j=�|=j�£||>�� ; |}=��

� 9.35% Dehej efì³ej II Þe=bKeuee - I -2016 �;�� =��<|=��||�j=�|=j¡|>�� ; |}=��

6 11.15% Dehej efì³ej II Þe=bKeuee - II - 2018 ;�� =��<|=��||�j=�|=j¡||>�� ; |}=��

7 8.45% Dehej efì³ej II Þe=bKeuee - III -2019 �;�� =��<|=��||�j=�|=j¡|||>�� ; |}=��

8 8.50% Dehej efì³ej II Þe=bKeuee - IV -2019 �;�� =��<|=��||�j=�|=j¡|~>�� ; |}=��

9 8.54% Dehej efì³ej II Þe=bKeuee - V -2020 �;�� =��<|=��||�j=�|=j¡~>�� 1000.00 |}=��

10 8.48% Dehej efì³ej II Þe=bKeuee - VI -2020 �;�� =��<|=��||�j=�|=j¡~|>�� 1000.00 |}=��

11 10.55% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee I ;��| ]|��>j��| �; |}=��

12 10.45% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee II ;��| ]|��>j��|| 100.00 |}=��

� 10.40% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee III ;��| ]|��>j��||| ��; |}=��

� 8.90% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee IV 8.90% IPDI Bonds-Series IV �; |}=��

� 9.00% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee V 9.00% IPDI Bonds-Series V ��; |}=��

16 9.05% DeeF&heer[erDeeF& yeeb[- Þe=bKeuee VI �;��| ]|��>j��~| �; |}=��

17 11.00% DeefleefjÊeÀ efì³ej I Þe=bKeuee I 11.00% Additional Tier I Series I ��; |}=��

kegÀue TOTAL 13,112.00

�� #�� }�� j�� =!��?�� |�� ?� �� >��j��=!��?�;�

mìe@keÀ SkeÌme®eWpeeW ceW met®eerkeÀjCe :yeQkeÀ kesÀ Mes³ejeW keÀe cegbyeF& mìe@keÀ SkeÌme®eWpe efue., vesMeveue mìe@keÀ SkeÌme®eWpe Dee@]HeÀ Fbef[³ee efue. ceW met®eerkeÀjCe efkeÀ³ee ie³ee nw~ mìe@keÀ eqm¬eÀhe keÀes[ efvecveevegmeej nw:

efo yeerSmeF& efue. (yeerSmeF&) ��'��}�|}]|�

ve@Meveue mìe@keÀ SkeÌme®eWpe Dee@]HeÀ Fbef[³ee efue. (SveSmeF&) BANKINDIA EQ

DeeF&SmeDeeF&Sve ¬eÀceebkeÀ |}=��

GÊeÀ oesveeW mìe@keÀ SkeÌme®eWpeeW keÀes Je<e& 2016-17 kesÀ efueS Jeee|<ekeÀ met®eerkeÀjCe MegukeÀ keÀe Yegieleeve keÀj efo³ee ie³ee nw~yeQkeÀ ves mece³e-mece³e hej Je®evehe$e/ef[yeW®ej kesÀ ªhe ceW DeheefjJele&veer³e yee@b[ (efì³ej I SJeb II hetbpeer) peejer efkeÀ³es nQ~ Gvemes mebyebefOele y³eesje efvecveevegmeej nw:

yeQkeÀ Dee@]HeÀ Fbef[³ee yee@b[ - efì³ej I SJeb efì³ej II hetbpeer eqmLeefle ³eLee 31.03.2016

Fve meYeer yee@b[eW keÀe vesMeveue mìe@keÀ SkeÌme®eWpe Fb.efue. ceW met®eerkeÀjCe efkeÀ³ee ie³ee nw leLee yeQkeÀ ves mìe@keÀ SkeÌme®eWpe keÀes Je<e& 2015-16 keÀe Jeee|<ekeÀ MegukeÀ Deoe efkeÀ³ee nw~

��


Credit Ratings

Agency Rating Assigned

\��?�#��|\�� CGR-2

��|��j��[��^ ��'� >�

Standard & Poor’s (S&P) BB(+)/B

\��"��[\��=^ CARE AA-

Investment Information and Credit Rating �?��[|\��^��<��"�]�� ?��""�

MAA+

Investment Information and Credit Rating �?��[|\��^��

ICRA AA-

\�|j|��"��¡�_�� AA+

��+��?��|�� "��>_�� BWR AA-

\�|j|��"��¡�_��\��]�� A1+

Dematerialisation of Shares<�� #��?� �� "�� ]�"��"� ��;� <�� ?��"�� +�� #��the Depositories viz. National Securities Depositories Ltd. [}j]�^� �� \�� ]�� j�� [|��^� ��;� [\]j�^� ��dematerialization of shares.

�� ]�"�� "� �� #�� '�'��{

Mes³ejOeejkeÀeW keÀer mebK³ee Mes³ejes keÀer mebK³ee Mes³ejOeeefjlee keÀe %

meer[erSmeSue CDSL 71011 �� ;��

SveSme[erSue NSDL �� ;��

cetle& �� ;��

kegÀue Total �� 100.00

Shareholding Pattern as on 31.03.2016

MeskeÀejOeejkeÀeW keÀe He´Jeie& Category of ShareholderMes³ejOeejkeÀeW keÀer

mebK³ee Number of

Shareholders

Mes³ejeW keÀer mebK³ee

Number of Shares

Mes³ejOeeefjlee %

% of Holding

uee@keÀ Fve kesÀ lenle Mes³ej

Shares under Lock in

uee@keÀ Fve kesÀ lenle Mes³ejeW

keÀe % % of Shares under lock in

kesÀvêer³e mejkeÀej (he´Jele&keÀ) Central Government (Promoters) 1 �� 68.01 �� 68.01

c³et®egDeue HebÀ[/³etìerDeeF& ��_��'��<| �� 0.79 ¡ ¡

efJeÊeer³e mebmLeeSb/yeQkeÀ _��|��'�� ;� ¡ ¡

yeercee kebÀheefve³eeb Insurance Companies �� 16.91 �� ;�

keÀejheesjsì efvekeÀe³e Bodies Corporate 2062 12970710 ;�� ¡ ¡

SkeÀue J³eefÊeÀ Individuals �� 60912788 �;�� ¡ ¡

DeefveJeemeer Yeejleer³e/Deesmeeryeer Non Resident Indians/ OCB �� ;� ¡ ¡

efJeosMeer mebmLeeiele efveJesMekeÀ _��?��|��|�� ;�� ¡ ¡

efJeosMeer heesì&HeÀesefueDees efveJesMekeÀ _��?�� |�� 2.16 ¡ ¡

efJeosMeer yeQkeÀ _��?�� 1 �� 0.00 ¡ ¡

ì^mì Trust 10 �� ;� ¡ ¡

kegÀue Total 297839 816552464 100 580011462 71.03

$eÝCe ÞesCeer efveOee&jCe

SpeWmeer oer ieF& jseEìieDeeF&meerDeejS Üeje keÀe@heexjsì Meemeve heĆeeueer nsleg jseEìie meerpeerDeej - 2cet[erme FvJesmìj mee|Jeme ( cet[erme) yeerSS3 / heer-3mìQ[[& SJeb hetDej (Sme Sb[ heer) meerpeerDeej - 2

¬esÀef[ì Sveeefueefmeme SJeb efjme®e& efue.( meerSDeejF&) meerSDeejF&SS

meeJeefOe pecee keÀe³e&¬eÀce nsleg efveJesMe peevekeÀejer Deewj ¬esÀef[ì jseEìie SpeWmeer (DeeF&meerDeejS)

CARE AA-

yee@v[ nsleg efveJesMe peevekeÀejer Deewj ¬esÀef[ì jseEìie SpeWmeer (DeeF&meerDeejS) MAA+

meerDeejDeeF&SmeDeeF&Sue (ef¬eÀefmeue)efue.- yee@b[dme nsleg SS+

efye´keÀJeke&À jseEìie Fbef[³ee heé.efue.- yee@b[dme nsleg yeer[dyu³etDeej SSS+meerDeejDeeF&SmeDeeF&Sue (ef¬eÀefmeue)efue.- peceejeefMe³eeW kesÀ hećeeCe he$e nsleg

S1+

Mes³ejeW keÀe DecetleeakeÀjCe:

yeQkeÀ kesÀ Mes³ejeW keÀe uesve-osve DeefveJee³e& ªhe mes kesÀJeue Decetle& ( ef[cesì) ªhe ceW efkeÀ³ee peelee nw~ yeQkeÀ ves Mes³ejeW kesÀ DecetleeakeÀjCe kesÀ efueS oesveeW efve#esheeieejeW ³eLee jeäêr³e heéfleYetefle efve#esheeieej efue. (SveSme[erue) SJeb kesÀvêer³e efve#esheeieej mesJeeSb ( Fbef[³ee ) efue. (meer[erSmeSue) kesÀ meeLe keÀjej efkeÀ³ee nw~

³eLee 31/03/2016 keÀes Mes³ejOeejkeÀeW Üeje he´l³e#e SJeb Decetle& ªhe mes Oeeefjle Mes³ejeW keÀe y³eesje efvecveevegmeej nw :

Mes³ejOeeefjlee keÀe Hewìve& ³eLee 31.03.2016

��


Shareholding of persons (Public) holding more than 1% of the total number of shares.

Mes³ejOeejkeÀ keÀe veece Name of the ShareholderMes³ejeW keÀer mebK³ee

Number of Shares

Mes³ejOeeefjlee % % of Holding

Yeejleer³e peerJeve yeercee efveiece Life Insurance Corporation of India �� ;�

Distribution of Shareholdings as on 31st March, 2016:-

Oeeefjle FeqkeÌJeìer Mes³ejeW keÀer mebK³ee No of Equity Shares held HeÀesefue³eeW Folio Mes³ej SharesmebK³ee Nos. He´efleMele % age mebK³ee Nos. He´efleMele % age

500 lekeÀ �� 280087 ��;� �� ;��

501 mes 1000 lekeÀ �� ;�� 1.00

1001 mes 5000 lekeÀ �� 1.97 �� ;��

5001 mes 10000 lekeÀ �� 0.19 �� ;��

10001 SJeb Fmemes DeefOekeÀ 10001 & above �� 0.18 �� 92.78

kegÀue Total 297839 100.00 816552464 100.00

Share Price/Volume :<�� "�� ?�� +� *�� "�� j��traded on NSE are as under:-

DeJeefOe Period DeefOekeÀlece ` Highest `

v³etvelece ` Lowest `

Mes³ejeW kesÀ uesve-osve keÀer cee$ee Volume of Share

TradedDehe´wue, 2015 �� ;� ��;� 52401280

ceF&, 2015 �� ;� 188.00 65614351

petve, 2015 Q�� 199.00 168.10 ��

pegueeF&, 2015 Q�� 186.90 ��;� 60456141

Deiemle, 2015 ��?�� ;�� ;� 87317122

efmelebyej, 2015 j��"#�� ;� 126.00 70648721

DeÊetÀyej, 2015 %��#�� ; �;��

veJebyej, 2015 }��"#�� ;�� ;�� 53004205

efomebyej, 2015 ]��"#�� ;� �;�� 45251771

peveJejer, 2016 Q�� ;�� 90.00 63961698

HeÀjJejer, 2016 _�#�� ;� 80.10 92009190

cee®e&, 2016 �� ;� ��;� ��

³eLee 31.03.2016 keÀer uesKee yeboer cetu³e \��?� ��;�;�� `� ��;��(SveSmeF&)(NSE)yeepeej hetbpeerkeÀjCe (kegÀue Mes³ejeW hej DeeOeeefjle) Market Capitalisation `� ��;��keÀjesæ[ Crore

J³eehekeÀ DeeOeeefjle metef®e³eeW keÀer leguevee ceW keÀe³e&efve<heeove Performance in comparison to Broad Based Indices

SveSmeF& ceW yeQkeÀ Dee@HeÀ Fbef[³ee keÀe Mes³ej Bank of India Share Price on NSE

yeerSmeF& ceW yeQkeÀ Dee@HeÀ Fbef[³ee keÀe Mes³ej cetu³e Bank of India Share Prise on BSE

SkeÀue J³eefÊeÀ³eeW (heeqyuekeÀ) keÀer Mes³ejOeeefjlee pees kegÀue Mes³ejeW keÀer mebK³ee ceW mes 1% mes DeefOekeÀ keÀe OeejCe keÀj jns nQ~

Mes³ejOeeefjlee keÀe mebefJelejCe ³eLee efoveebkeÀ 31 cee®e&, 2016 :-

Mes³ej cetu³e/cee$ee :SveSmeF& ceW ceeefmekeÀ ªhe mes G®®e SJeb efvecve YeeJe (keÀesìsMeve) SJeb Mes³ejeW kesÀ uesve-osve keÀer cee$ee efvecveevegmeej nw:-

��


�� +�� +]^@��,�� +�� ]�,��+�_� ��^/@��+,�� +��Corporate Governance<�� #�� ?� ��"�� ?��?� ��"�� "�� governance in terms of the listing agreement with the Stock =!��?��;

Compliance of Mandatory / Non Mandatory Requirements.<�� "�� +�� +��?� ]��*��"��"�� ¡=��j��||��j=�|��?��?��>��;

ke´À. meb. Sr. No.

iewj DeefveJee³e& Dehes#eeSb Non Mandatory requirements

keÀe³ee&vJe³eve keÀer eqmLeefle Status of implementation

1 yees[& - SkeÀ iewj keÀe³e&heeuekeÀ DeO³e#e kebÀheveer kesÀ Ke®e& hej DeO³e#e keÀe keÀe³ee&ue³e jKeves kesÀ efueS nkeÀoej~The Board - �� !�� \��"�� "�� #�� "��\��"��"��!��;

DeO³e#e keÀe heo keÀe³e&heeuekeÀ keÀe nw Deewj yeQkeÀ ceW GvekeÀe he=LekeÀ keÀe³ee&ue³e nw~<��\��"�� }��>�=!��?��;�

2 Mes³ejOeejkeÀeW keÀe DeefOekeÀej- efJeiele í: cenerveeW ceW cenlJehetCe& IeìveeDeeW keÀe meejebMe meefnle efJeÊeer³e keÀe³e&efve<heeove keÀer DeOe&Jeee|<ekeÀ Iees<eCee Mes³ejOeejkeÀeW keÀes Yespeer pee mekeÀleer nw~Shareholder’s Rights- �� >�� "�� ?��""�� ?�� !>�"��"��#��;

efleceener/Jeee|<ekeÀ efJeÊeer³e efJeJejCe SJeb hecegKe efJeMes<eleeSb SveSmeF& Deewj yeerSmeF& keÀes Yespeer peeleer nw Deewj DeKeyeejeW ceW hekeÀeefMele keÀer peeleer nw leLee yeQkeÀ keÀer JesyemeeFì hej heoe|Mele keÀer peeleer nw~ Dele: Mes³ejOeejkeÀeW keÀes met®evee J³eefÊeÀMe: veneR Yespeer peeleer nw~<�� *��'�� '� �� _�� to NSE & BSE & published in Newspapers and placed on �� +�#�� ?� ��?��?��;� �� "�� j��;

� uesKee hejer#ee efjheesì& ceW DeeMeesefOele je³e(Sb) - met®eerye× mebmLee DemebMeesefOele uesKee hejer#ee je³e kesÀ meeLe efJeÊeer³e efJeJejCe keÀer J³eJemLee keÀer Deesj Deie´mej nes mekeÀlee nw~�+�� ^�,�+,� z�{� �,� �/�� |�^+�� ¡<�� "��"�� +�� ?�"��"��+��"��audit opinion.

yeQkeÀ kesÀ Jeee|<ekeÀ efJeÊeer³e efJeJejCe DemebMeesefOele uesKee hejer#ee je³e kesÀ meeLe nQ~<�� #�� _�� j��"�� +�� "��audit opinion.

� DeO³e#e SJeb meerF&Dees kesÀ he=LekeÀ heo - met®eerye× mebmLee DeO³e#e SJeb heýebOe efveosMekeÀ ³ee cegK³e keÀe³e&heeuekeÀ DeefOekeÀejer kesÀ heo kesÀ efueS yeQkeÀ Deueie Deueie J³eefÊeÀ³eeW keÀes efve³egÊeÀ keÀj mekeÀlee nw~��^��+��+��^��+,��,��"}�/��<�� "�� j�� \��?��?�]��\��!��;

yeQkeÀ kesÀ heeme ³en heo nw~ The Bank is having this position.

keÀeheexjsì Meemeve kesÀ DeefveJee³e& DevegyebOe kesÀ Devegheeueve keÀe hećeeCehe$emìe@keÀ SkeÌm®eWpe kesÀ meeLe met®eerkeÀjCe keÀjej keÀer MeleeX kesÀ Devegmeej keÀe@heexjsì Meemeve heĆeeueer kesÀ DeefveJee³e& DevegyebOe kesÀ Devegheeueve mes mebyebefOele yeQkeÀ kesÀ meebefJeefOekeÀ uesKee hejer#ekeÀeW kesÀ Üeje peejer hećeeCehe$e mebueive efkeÀ³ee ie³ee nw~

DeefveJee³e&/ iewj-DeefveJee³e& Dehes#eeDeeW keÀe DevegheeueveyeQkeÀ ves mesyeer met®eerye× keÀjej-2015 keÀer Devegmet®eer II kesÀ Yeeie-F& kesÀ lenle GequueefKele efvecveefueefKele DeefveJee³e& DeeJeM³ekeÀleeDeeW keÀe DevegHeeueve efkeÀ³ee nw~

_��#��]��

Place : Mumbai (Melwin Rego)]�� {� �;�;�� ?��?�]��\=%

yees[& kesÀ efveosMekeÀeW kesÀ efueS SJeb GvekeÀer Deesj mes

mLeeve : cegbyeF& (ceueefJeve jsiees)efoveebkeÀ: 14.06.2016 HeýebOe efveosMekeÀ SJeb meerF&Dees

�


CERTIFICATE ON CORPORATE GOVERNANCEThe Members Bank of IndiaStar House, C-5, 'G' Block,Bandra-Kurla Complex,Bandra (East)Mumbai 400 051

�� !�"�� |�� [��'\�"��^� �� ?� ��"�� \�� \�� Listing Agreement and the Corporate Governance provisions as ��?��>��j��V of the SEBI (Listing Obligations And Disclosure Requirements) ��?�� +�� }�� j�� =!��?�� |�� "#�� j�� =!��?�� "�� [j��=!��?��^��_��;

The compliance of conditions of corporate governance is the ��#��?�"��;�%��!�"��+��"�� "��"�� #�� ensuring the compliances of conditions of Corporate governance. <�� #�� #�� +�� +�� management has conducted the affairs of the Bank.

In our opinion and to the best of our information and according �� !�� ?�� +�� complied with the conditions of corporate governance as stipulated in the above mentioned Listing Agreement and Listing Regulations.

_��;j;� ��\�"��j��[|\j|��*��\��j��$��^

�� _\j{��\ {��

Place: Mumbai]��{�;�;��

ke=Àles Deej. Sme. Heef[³ee Sb[ SmeesefmeSìdmekebÀHeveer meef®eJe(DeeF&meerSmeDeeF& efJeefMe<ì keÀes[ j��$��^

jepeÞeer Heef[³eeSHeÀSmemeer : 6804meerHeer: 7488

mLeeve: cegbyeF&efoveebkeÀ: 03.05.2016

meom³eieCeyeQkeÀ Dee@HeÀ Fbef[³eemìej neGme ,meer-5,peer yuee@keÀ yeebêe kegÀuee& keÀe@chueskeÌme yeebêe (hetJe&)cegbyeF&-400 051

nceves 31 cee®e& 2016 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS vesMeveue mìe@keÀ SkeÌme®eWpe Dee@HeÀ Fbef[³ee efueefceìs[ Deewj yeer.Sme.F&. efueefceìs[ (mìe@keÀ SkeÌm®eWpe) kesÀ meeLe ngS met®eerkeÀjCe keÀjej kesÀ Keb[ 49 kesÀ lenle keÀe@heexjsì Meemeve heĆeeueer keÀer MeleeX, efpevekeÀe GuuesKe mesyeer (met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìve DeeJeM³ekeÀleeSb) efJeefve³eceve, 2015 kesÀ efJeefve³ece 17-27, 46 SJeb Devegmet®eer V kesÀ heéJeOeeveeW ceW efkeÀ³ee ie³ee nw, kesÀ Devegheeueve kesÀ hećeeCeerkeÀjCe kesÀ he´³eespeve mes yeQkeÀ Dee@HeÀ Fbef[³ee (’efo yeQkeÀ kebÀHeveer“) kesÀ meYeer mebiele DeefYeuesKeeW keÀer peeb®e keÀer nw~

keÀe@heexjsì Meemeve heCeeueer keÀer MeleeX keÀe Devegheeueve heyebOeve keÀer ef]peccesoejer nw~ nceejer peeb®e keÀeheexjsì Meemeve heCeeueer keÀer MeleeX kesÀ Devegheeueve keÀes megefveeq½ele keÀjves kesÀ efueS yeQkeÀ Dee@HeÀ Fbef[³ee Üeje DeheveeF& ieF& keÀe³e&heĆeeueer leLee GmekesÀ keÀe³ee&vJe³eve lekeÀ meerefcele Leer ~ ³en hećeeCehe$e ve lees YeefJe<³e ceW yeQkeÀ keÀer J³eJene³e&lee keÀe Deeéeemeve nw Deewj ve ner heýebOeve Üeje yeQkeÀ keÀer o#elee ³ee heÝeeJeMeeruelee mes meb®eeueve mes mebyeeqvOele nw~

nceejer je³e ceW Deewj nceW heéhle peevekeÀejer kesÀ Devegmeej Deewj nceW efoS ieS mheäerkeÀjCe kesÀ Devegmeej nce hećeeefCele keÀjles nQ efkeÀ Thej GuuesKe efkeÀS ieS met®eerkeÀjCe keÀjej Deewj met®eerkeÀjCe efJeefve³eceeW kesÀ Devegmeej yeQkeÀ ves keÀe@heexjsì Meemeve heĆeeueer keÀer MeleeX keÀes hetje efkeÀ³ee nw~

keÀe@heexjsì Meemeve heĆeeueer hej hećeeCehe$e

�


�"�� %��+,

��]��|��Mumbai]��j��

Re: �"� �%��+,��+��_��~��*�� ?�� [�^� ��+�� j�� ||��j=�|�[��?�%#��?��]��*��"��^��?��+��#��{�;� �� +�� "�� +�

��"�� >�� #�� knowledge and belief:

� �;� �<�� "�� "�� "�� "�� "�� statements that might be misleading:

ii. These statements together present a true and fair view ��"��+��!��?��?��#��+��?��;

#;� �<�� #�� +��?�� #�� #�� ?� �� +�� ?�� conduct.

�;� �� #�� #��?� �� "��?�� ?� �� +�� "�� ?��?��+�� \�""�� ?�� +��we are aware and the steps we have taken or propose to take ��;

d. We have indicated to the Auditors and the Audit Committee.� �;� �j�?�� ?��

��?��?��;� ��;� �j�?�� ?�� ?� �� ?� ��

�� "�� #�� "��

� ��;� �|�� ?�� +�� +�� #��"�� +�� "�� "��?�"�� "�� ?� �� ?�� "�� reporting.

For Bank of IndiaSd/- Sd/-(Jain Bhushan) (Melwyn Rego)\��_��%�� ?��?�]��\=%

��{��"#�� ]��{��

DECLARATION BY CEO

The Bank has laid down a Code of Conduct for all the directors and \�� ?�"�� !�� +�� +�#��;�<�� ]�� \�� ?�"�� "��"�� +�� \�� \�� st��;

Sd/- Sd/-(Jain Bhushan) (Melwyn Rego)\��_��%�� ?��?�]��\=%

Place: Mumbai ]��{��th��

meerF&Dees/meerSHeÀDees hećeeCeerkeÀjCe

efveosMekeÀ ceb[ueyeQkeÀ Dee@HeÀ Fbef[³eecegbyeF&ceneso³e,

efJe<e³e : Je<e& 2015-16 meerF&Dees/meerSHeÀDees hećeeCeerkeÀjCemesyeer (met®eerye×lee oeef³elJe Deewj he´keÀìve DeeJeM³ekeÀleeSb) efJeefve³eceve,2015 keÀer Devegmet®eer 11 kesÀ Yeeie yeer kesÀ meeLe he{W efJeefve³ece 17 (8) kesÀ Devegmeej nce SleÜeje hećeeefCele keÀjles nQ efkeÀ :-

keÀ. nceves Je<e& 2015-16 nsleg efJeÊeer³e efJelejCe Deewj vekeÀo he´Jeen efJeJejCe keÀer meceer#ee keÀer nw Deewj meJeexÊece peevekeÀejer Deewj efJeéeeme kesÀ Devegmeej :

i. Fve efJeJejCeeW ceW keÀesF& leeeqlJekeÀ ªhe mes ieuele efJeJejCe veneR nw ³ee FveceW keÀesF& cenlJehetCe& leL³e veneR íesæ[e ie³ee nw ³ee FmeceW keÀesF& Ssmes keÀLeve veneR nQ lees Yeće keÀer eqmLeefle hewoe keÀjleer neW~

ii. ³es meYeer efJeJejCe efceueekeÀj yeQkeÀ keÀer ieefleefJeefOe³eeW keÀe mener Deewj Gef®ele eqmLeefle oMee&leer nw Deewj ³es Jele&ceeve uesKeebkeÀve ceevekeÀeW, ueeiet efve³eceeW Deewj efJeefve³eceeW keÀe Devegheeueve keÀjles nQ~

Ke nceejer meJeexÊece peevekeÀejer Deewj efJeéeeme kesÀ Devegmeej, yeQkeÀ ves Je<e& kesÀ oewjeve Ssmee keÀesF& mebJ³eJenej veneR efkeÀ³ee nw pees OeesKeeOæ[er hetCe& nes, DeJewOe nes DeLeJee yeQkeÀ keÀer Dee®eej mebefnlee keÀe GuuebIeve keÀjlee nes~

ie. nce efJeÊeer³e efjheese\ìie nsleg DeebleefjkeÀ efve³ece keÀer mLeehevee SJeb jKejKeeJe keÀer efpeccesoejer Deewj efJeÊeer³e efjheese\ìie mes mebyebefOele yeQkeÀ kesÀ DeebleefjkeÀ efve³eb$eCe efmemìce keÀer heÝeeJekeÀeefjlee keÀe cetu³eebkeÀve keÀjvee mJeerkeÀej keÀjles nQ Deewj Ssmes DeebleefjkeÀ efve³eb$eCeeW kesÀ heefj®eeueve DeLeJee ef[peeFve ceW keÀefce³eeW keÀe he´keÀìve, ³eefo keÀesF& nes, uesKee hejer#ekeÀ Deewj uesKee hejer#ee meefceefle kesÀ mece#e efkeÀ³ee nw efpemekesÀ yeejs ceW nceW peevekeÀejer nw Deewj Fve keÀefce³eeW keÀes megOeejves kesÀ he´³eespeve mes nceves keÀoce GþeS nQ ³ee keÀoce Gþe³ee peevee he´mleeefJele nw~

Ie nceves uesKee hejer#ekeÀeW Deewj uesKee hejer#ee meefceefle³eeW keÀes ³en metef®ele efkeÀ³ee nw:-

i. Je<e& kesÀ oewjeve efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efve³eb$eCe ceW cenlJehetCe& heefjJele&ve

ii. Je<e& kesÀ oewjeve uesKeebkeÀve veerefle³eeW ceW cenlJehetCe& heefjJele&ve Deewj GvekeÀe he´keÀìve efJeÊeer³e efJeJejCe keÀerefìhheefCe³eeW ceW efkeÀ³ee ie³ee nw~

iii. Ssmeer efkeÀmeer yeæ[er OeesKeeOeæ[er keÀer nceW peevekeÀejer efceueer nes Deewj efpemeceW heýebOeve DeLeJee efJeÊeer³e efjheese\ìie hej yeQkeÀ kesÀ DeebleefjkeÀ efve³eb$eCe ceW cenlJehetCe& YetefcekeÀe jKeves Jeeuee keÀesF& keÀce&®eejer Meeefceue nes~

ke=Àles yeQkeÀ Dee@HeÀ Fbef[³ee

n/ n/(pewve Yet<eCe) (cesueefJeve jsiees)cegK³e efJeÊeer³e DeefOekeÀejer heýebOe efveosMekeÀ SJeb meerF&DeesmLeeve : cegbyeF& efoveebkeÀ 24 ceF& 2016

cegK³e keÀe³e&heeuekeÀ DeefOekeÀejer Üeje Iees<eCee

yeQkeÀ ves meYeer efveosMekeÀeW Deewj keÀesj heýebOeve kesÀ efueS DeJe®ejCe mebefnlee efveOee&efjle keÀer nw, efpemekeÀe meej yeQkeÀ keÀer JesyemeeFì hej heesmì efkeÀ³ee ie³ee nw~ efveosMekeÀ Deewj keÀesj heýebOeve ves 31 cee®e& 2016 keÀer meceeeqhle kesÀ efueS Dee®eej mebefnlee kesÀ Devegheeueve keÀer hegeqä keÀer nw~

n/ n/(pewve Yet<eCe) (cesueefJeve jsiees)cegK³e efJeÊeer³e DeefOekeÀejer heýebOe efveosMekeÀ SJeb meerF&Dees

mLeeve : cegbyeF& efoveebkeÀ 24 ceF& 2016

42


legueve he$e Deewj ueeYe Je neefve Keelee Deeefo keÀer cegK³e efJeMes<eleeDeeW mes mebyebefOele efJeJejCe³eLee 31 cee®e& 2016keÀes yeQkeÀ Dee@HeÀ Fbef[³ee keÀe mebef#ehle legueve he$e

efJeJejCeSkeÀue mecesefkeÀle

®eeuet Je<e&31.3.2016

efJeiele Je<e&31.3.2015

®eeuet Je<e&31.3.2016


hetbpeer Deewj os³eleeSb

hetbpeer FeqkeÌJeefì 81,729 66,565 81,729 66,565

Deejef#ele efveefOe Deewj DeefOeMes<e meebefJeefOekeÀ Deejef#ele efveefOe 708,688 708,688 708,688 708,688

hetbpeer Deejef#ele efveefOe 897,815 592,176 891,455 580,546

Mes³ej heérefce³ece 881,178 620,430 889,338 628,590

jepemJe Deewj Dev³e Deejef#ele efveefOe 1,156,815 1,156,815 1,269,526 1,267,895

DeuhemebK³ekeÀ efnle 9,800 16,793

ueeYe SJeb neefve Keeles ceW Mes<e jeefMe (624,868) - (636,535) -

Deeyebìve nsleg uebefyele Mes³ej DeeJesove jeefMe 130,365 - 130,365 -

peceejeefMe³eeb ceebie peceejeefMe³eeb 2,351,707 2,147,565 2,364,654 2,168,366

ye®ele yeQkeÀ peceejeefMe³eeb 10,920,744 9,713,367 10,935,962 9,725,553

meeJeefOe peceejeefMe³eeb 38,028,001 41,329,731 38,271,631 41,554,311

GOeej Yeejle ceW GOeej

(keÀ) Yeejleer³e efjpeJe& yeQkeÀ mes 975,500 208,168 975,500 208,168

(Ke) Dev³e yeQkeÀeW mes 323,539 277,618 322,456 279,567

(ie) Dev³e mebmLeeDeeW Deewj SpeWefme³eeW mes 1,297,390 1,544,319 1,297,390 1,544,319

Yeejle kesÀ yeenj mes GOeej 2,511,885 1,975,609 2,514,982 1,977,814

Dev³e os³eleeSb leLee heéJeOeeve os³e efyeue 116,049 111,241 116,322 111,458

Deblej keÀe³ee&ue³e mecee³eespeve (efveJeue) - - - -

Gheef®ele y³eepe 227,413 266,840 228,882 268,631

ceevekeÀ Deeeqmle³eeW nsleg he´JeOeeve 228,016 236,524 229,962 236,902

DeemLeefiele keÀj os³eleeSb (efveJeue) 0 66,899 90 66,899

Dev³e 779,427 847,222 1,060,726 1,117,409

kegÀue hetbpeer Deewj os³eleeSb Deeeqmle³eeb 60,991,393 61,869,776 61,662,923 62,528,474

Yeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer Deewj Mes<e jeefMe³eebyeQkeÀeW ceW Mes<e Deewj ceebie hej leLee Deuhe met®evee hej heéh³e Oeve

Yeejle ceW yeQkeÀeW ceW Mes<e 3,396,161 2,717,003 3,421,372 2,749,838

Yeejle ceW ceebie SJeb Deuhe met®evee hej jeefMe 383,440 570,384 383,628 199,585

Yeejle kesÀ yeenj Mes<e 600,000 0 600,000 -

efveJesMe Yeejle ceW 5,534,528 3,980,635 5,545,472 3,999,774

(keÀ) mejkeÀejer heéfleYetefle³eeb 10,358,618 10,199,492 10,446,183 10,269,756

(Ke) Dev³e Devegceesefole heéfleYetefle³eeb 0 116 19,816 17,542

(ie) Mes³ej 88,288 121,884 166,583 209,205

(Ie) ef[yeW®ej Deewj yebOehe$e 551,404 771,820 601,484 799,266

(*) Deveg<ebefie³eeb Deewj/³ee mene³ekeÀ kebÀheefve³eeb 50,101 48,638 127,137 121,581

(®e) Dev³e 312,666 345,222 349,548 405,887

Yeejle kesÀ yeenj 523,815 492,032 551,340 496,316

jeefMe ` ueeKeeW ceW

43


��]�,��+,��,�,��@��,��/��+��@�,��,��+��+��+/,��@�,��+��,\�+��!,��+,��~��

ParticularsStandalone Consolidated

Current Year31.3.2016

Previous Year31.3.2015



��!��#��!��!�!�!"�

Capital Equity 81,729 66,565 81,729 66,565

|��/�^@/� Statutory Reserves 708,688 708,688 708,688 708,688

Capital Reserves 897,815 592,176 891,455 580,546

Share Premium 881,178 620,430 889,338 628,590

Revenue & Other Reserves 1,156,815 1,156,815 1,269,526 1,267,895

Minority Interest 9,800 16,793

�� '� (624,868) - (636,535) -

Share application Money pending for allotment

130,365 - 130,365 -

#�^+�� Demand Deposits 2,351,707 2,147,565 2,364,654 2,168,366

Savings Bank Deposits 10,920,744 9,713,367 10,935,962 9,725,553

Term Deposits 38,028,001 41,329,731 38,271,631 41,554,311

Borrowings Borrowings in India

(a) from Reserve Bank of India 975,500 208,168 975,500 208,168

(b) from other banks 323,539 277,618 322,456 279,567

(c) from other institutions and agencies 1,297,390 1,544,319 1,297,390 1,544,319

Borrowings outside India 2,511,885 1,975,609 2,514,982 1,977,814

��@��+��+,� Bills Payable 116,049 111,241 116,322 111,458

|��>��"��[��^ - - - -

|�� 227,413 266,840 228,882 268,631

��+��j�� 228,016 236,524 229,962 236,902

]��<�!��#��[��^ 0 66,899 90 66,899

Others 779,427 847,222 1,060,726 1,117,409

��!��!��!�!�!"� ��''��'�� '�� ~�'~�� ~��~��

��"��

��@�,��Z��|��,\�+��!,��

3,396,161 2,717,003 3,421,372 2,749,838

��@�,��Z��,\��]+,�_��@@��+��,+��

Balance with banks in India 383,440 570,384 383,628 199,585

Money at call & short notice in India 600,000 - 600,000 -

Balances outside India 5,534,528 3,980,635 5,545,472 3,999,774

!,��]�,�� In India

(a) Government Securities 10,358,618 10,199,492 10,446,183 10,269,756

(b) Other approved securities 0 116 19,816 17,542

(c) Shares 88,288 121,884 166,583 209,205

(d) Debentures & Bonds 551,404 771,820 601,484 799,266

[�^�j�#��'��Q�� 50,101 48,638 127,137 121,581

(f) Others 312,666 345,222 349,548 405,887

Outside India 523,815 492,032 551,340 496,316

�]��,�`��\��

44



®eeuet Je<e&31.3.2016


®eeuet Je<e&31.3.2016


Deefieće Yeejle ceW 523,815 492,032 551,340 496,316 (keÀ) ¬eÀerle efyeue Deewj yeÆeke=Àle efyeue 558,091 813,459 558,091 813,459 (Ke) vekeÀo GOeej, DeesJej[eHeÌì Deewj ceebie hej heeflemebos³e $eÝCe 11,395,962 13,454,764 11,395,962 13,454,764 (ie) meeJeefOe $eÝCe 12,935,485 13,819,771 12,935,985 13,820,122 Yeejle kesÀ yeenj 11,029,357 12,114,560 11,240,151 12,350,591

De®eue Deeeqmle³eeb 848,031 588,553 857,285 591,449 Dev³e Deeeqmle³eeb Deeblej keÀe³ee&ue³e mecee³eespeve ( efveJeue) 218,061 30,056 218,057 30,056

Gheef®ele y³eepe 264,606 250,831 268,958 254,306 Deefieće ªhe mes heóÊe keÀj/ñeesle hej keÀeìs ieS keÀj (efveJeue) 396,217 532,891 396,318 532,897 DeemLeefiele keÀj DeeeqmLe³eeb (efveJeue) 277,757 12,992 278,186 13,447 oeJeeW kesÀ efveheìeve hej DeefOeieéfnle iewj-yeQeEkeÀie Deeeqmle³eeb - - - -Dev³e 1,268,805 1,004,676 1,301,367 1,026,285 kegÀue Deeeqmle³eeb 60,991,393 61,869,776 61,662,923 62,528,474

DeekeÀeqmcekeÀ os³eleeSb yeQkeÀ kesÀ efJe©× oeJes efpevnW $eÝCe kesÀ ªhe ceW mJeerkeÀej veneR efkeÀ³ee ie³ee nw

113,512 115,931 113,512 115,931

yekeÀe³ee Jee³eoe efJeefvece³e mebefJeoeDeeW kesÀ keÀejCe os³eleeSb 26,721,335 7,103,514 26,724,636 27,034,803 mebIeìkeÀeW keÀer Deesj mes oer ieF& ieejbefì³eeB 3,448,818 3,097,781 3,470,290 3,112,997 mekeÀej, he=ÿebkeÀve Deewj Dev³e oeef³elJe 2,218,795 3,901,026 2,223,589 3,901,266 Dev³e ceoW efpevekesÀ efueS yeQkeÀ DeekeÀeqmcekeÀ ªhe mes osveoej nw 2,878,473 3,231,894 2,874,310 3,244,314

Jemetueer kesÀ efueS efyeue 35,380,932 2,641,239 2,690,210 2,642,018

legueve he$e Deewj ueeYe Je neefve Keelee Deeefo keÀer cegK³e efJeMes<eleeDeeW mes mebyebefOele efJeJejCe³eLee 31 cee®e& 2016 keÀes yeQkeÀ Dee@HeÀ Fbef[³ee keÀe mebef#ehle legueve he$e jeefMe ` ueeKeeW ceW

peer HeëveeYeve cesueefJeve jsiees efye Heer Mecee& Deej Heer cejeþs Deej S MebkeÀj veeje³eCeve pewve Yet<eCe��]�,��,�� @Z_,�|��+� ��]�� |�� |��,\��_�,�,� ��,��/��,DeO³e#e HeýebOe efveosMekeÀ SJeb meerF&Dees keÀe³e&HeeuekeÀ efveosMekeÀ keÀe³e&HeeuekeÀ efveosMekeÀ keÀe³e&HeeuekeÀ efveosMekeÀ cegK³e efJeÊeer³e DeefOekeÀejer \��"�� ?��?�]��\=%� =!��]�� =!��]�� =!��]�� \��_��%��

efveosMekeÀieCe #!|"��|�Ssvee je@³e�� Deej meyesmìer³eve R Sebastian njefJeboj efmebn Harvinder Singh

Deej Sue efyeMveesF&�� veerjpe Yeeefì³ee }�� mebpeerJe kegÀceej Dejesæ[e j��"��

mece efleefLe keÀer nceejer mebueive efjHeesì& kesÀ Devegmeej !,��]��+��+/��^+��+��,��

cesmeme& Sce Sce efvemmeerce Sb[ kebÀ cesmeme& pes. Heer. keÀHetj Sb[ Gyesje³e cesmeme& [er. efmebn. Sb[ kebÀ._��;��;�}��"��\�;� _��Q;� ;��#�� _��];�j��?��\�;

meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \��

(SHeÀDeejSve 107122 [yu³et) (FRN 107122W) (SHeÀDeejSve 000593 Sve) (FRN 000593N) (SHeÀDeejSve 001351 Sve) (FRN 001351N)

mebpe³e Kesceeveer j��"�� DeªCe ce@iee@ve ��?�� efmecejve efmebn Simran Singh

Yeeieeroej Partner Yeeieeroej Partner Yeeieeroej Partner

(Sce. veb. 044577) M. No. 044577 (Sce. veb. 093323) M. No. 093323 (Sce. veb. 098641) M. No. 098641

cesmeme& ieésJej ueuuee SC[ cesnlee cesmeme& yeer jleve DeB[ SmeesefMeSìme cesmeme& peer [er DeeHeìs DeB[ kebÀHeveer_�� _�� _��]��\�;


(SHeÀDeejSve 002830 Sve) (FRN 002830N) (SHeÀDeejSve 011798 Sve) (FRN 011798N) (SHeÀDeejSve 100515 [yu³et) (FRN 100515W)

HebkeÀpe yebmeue �� efyeMeceJej kegÀceej keÀCe& ��"��"�� meewjYe HesMeJes Saurabh Peshwe


(Sce. ke´À. 502661) M. No. 502661 (Sce. ke´À. 094790) M. No. 094790 (Sce. ke´À. 121546) M. No. 121546

mLeeve : cegbyeF& / Place : Mumbai

efoveebkeÀ : 24 ceF&, 2016 / Date : 24th May 2016

45







��,�� !,�!,��(a) Bills purchased & discounted 558,091 813,459 558,091 813,459 (b) Cash Credit, overdraft & loans repayable

on demand11,395,962 13,454,764 11,395,962 13,454,764

[�^�<��"�� 12,935,485 13,819,771 12,935,985 13,820,122 Outside India 11,029,357 12,114,560 11,240,151 12,350,591

%�}�� 848,031 588,553 857,285 591,449 �� |��%��"��[��^ 218,061 30,056 218,057 30,056

|�� 264,606 250,831 268,958 254,306 <�!��'�� 396,217 532,891 396,318 532,897 ]��<�!��[��^ 277,757 12,992 278,186 13,447 Non-banking assets acquired in satisfaction of claims

– – – –

Others 1,268,805 1,004,676 1,301,367 1,026,285 ��"�� ''��'�� '�� ~�'~�� ~��~��

�+,��,��,��@��@�� Claims against the banks not acknowledged as debts

113,512 115,931 113,512 115,931

��#�� ?� ��+��exchange contracts

26,721,335 7,103,514 26,724,636 27,034,803

Guarantees given on account of constituents 3,448,818 3,097,781 3,470,290 3,112,997 �� "�� obligations

2,218,795 3,901,026 2,223,589 3,901,266

Other items for which the bank is contingently liable

2,878,473 3,231,894 2,874,310 3,244,314

Bills for collection 35,380,932 2,641,239 2,690,210 2,642,018

�]��,�`��\��

��]�,��+,��,�,��@��,��/��+��@�,��,��+��+��+/,��@�,��+��,\�+��!,��+,��~��



















46



®eeuet Je<e&31.3.2016


®eeuet Je<e&31.3.2016


Dee³e

Dee|pele y³eepe DeefiećeeW/ efyeueeW hej 3,037,090 3,167,816 3,058,267 3,187,818

efveJesMeeW hej 895,213 939,991 897,614 942,375

Yeejleer³e efjpeJe& yeQkeÀ kesÀ heeme Mes<e jeefMe³eeW Deewj Dev³e Deblej yeQkeÀ efveefOe³eeW hej

212,094 214,325 217,922 217,434

Dev³e 35,249 20,859 35,481 20,860

Dev³e Dee³e keÀceerMeve,efJeefvece³e Deewj oueeueer 140,350 161,002 141,507 162,137

efveJesMeeW keÀer efye¬eÀer hej efveJeue ueeYe 74,955 93,094 75,493 93,481

Yetefce,YeJeve Deewj Dev³e Deeeqmle³eeW kesÀ efye¬eÀer hej efveJeue ueeYe

0 0 40 2

efJeefvece³e mebJ³eJenejeW hej efveJeue ueeYe 66,207 68,642 67,006 69,423

Deveg<ebefie³eeW/kebÀheefve³eeW Deewj/³ee meb³egÊeÀ GÐeceeW mes ueeYeebMe Deeefo kesÀ ªhe ceW Dee³e

1,744 4,722 1,662 4,722

efJeefJeOe Dee³e 81,998 95,810 81,454 98,043

kegÀue Dee³e 4,544,901 4,766,261 4,576,446 4,796,295

J³e³e

J³e³e efkeÀ³ee ie³ee y³eepe peceejeefMe³eeW hej 2,692,747 2,892,141 2,709,782 2,904,988

Yeejleer³e efjpeJe& yeQkeÀ/ Deblej yeQkeÀ GOeejeW hej 191,767 161,407 192,079 161,941

Dev³e 122,670 155,076 122,670 155,076

heefj®eeueve J³e³e keÀce&®eeefj³eeW keÀes Yegieleeve Deewj GvekesÀ efueS heéJeOeeve 535,724 498,582 540,359 503,130

efkeÀje³ee,keÀj Deewj efyepeueer 63,929 59,835 65,701 61,390

cegêCe Deewj uesKeve meeceieér 7,700 7,764 7,793 7,842

efJe%eeheve Deewj he´®eej 4,095 10,993 4,199 11,094

yeQkeÀ keÀer mecheefÊe hej cetu³eÛeme 28,626 28,542 28,996 29,108

efveosMekeÀeW keÀer HeÀerme, YeÊes Deewj J³e³e 32 15 309 233

MeeKee uesKee heefj#ekeÀeW meefnle uesKee heefj#ekeÀeW keÀer HeÀerme Deewj J³e³e

6,723 5,154 6,827 5,249

efJeefOe heÝeej 2,592 2,825 2,659 3,118

[ekeÀ J³e³e,leej,ìsefueHeÀesve Deeefo 9,729 8,414 10,273 8,824

cejccele Deewj jKe-jKeeJe 6,308 6,295 6,442 6,447

yeercee 39,559 35,943 37,220 32,825

Dev³e 229,136 144,498 231,722 150,080

heéJeOeeve Deewj DeekeÀeqmcekeÀleeSb efveJesMeeW hej cetu³eÛeme nsleg heéJeOeeve 35,073 (5,040) 35,073 (5,040)

Devepe&keÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve 1,410,192 522,743 1,440,575 523,164

ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve (12,840) 40,860 (12,755) 40,922

Dev³e ( Dee³e keÀj íesæ[keÀj ) (49,787) 10,709 (49,820) 10,728

kegÀue J³e³e leLee heéJeOeeve 5,323,978 4,586,755 5,380,106 4,611,120

³eLee 31 cee®e& 2016 keÀes yeQkeÀ Dee@HeÀ Fbef[³ee keÀe mebef#ehle ueeYe SJeb neefve Keelee jeefMe ` ueeKeeW ceW

47







!��"

!,��"��,�� %��'#�� 3,037,090 3,167,816 3,058,267 3,187,818

On investments 895,213 939,991 897,614 942,375

On balances with RBI and inter bank funds 212,094 214,325 217,922 217,434

Others 35,249 20,859 35,481 20,860

��!,+]� Commission, Exchange & Brokerage 140,350 161,002 141,507 162,137

}��"�� 74,955 93,094 75,493 93,481

}�� #��?� �� assets

0 0 40 2

}��=!��?��<�� 66,207 68,642 67,006 69,423

Income by way of dividends etc. from ��#��'��"�� '�� Q~�� #��'in India

1,744 4,722 1,662 4,722

Miscellaneous Income 81,998 95,810 81,454 98,043

��!��" 4,544,901 4,766,261 4,576,446 4,796,295

"��"�#!��|"

!,��"}^�,�� On Deposits 2,692,747 2,892,141 2,709,782 2,904,988

%��|'|��#��#��+��?� 191,767 161,407 192,079 161,941

Others 122,670 155,076 122,670 155,076

Operating expenses Payment & provision for employees 535,724 498,582 540,359 503,130

��<�!��?��? 63,929 59,835 65,701 61,390

Printing & Stationery 7,700 7,764 7,793 7,842

��"�� #�� 4,095 10,993 4,199 11,094

Depreciation on Bank's property 28,626 28,542 28,996 29,108

]��+��=!�� 32 15 309 233

��!��;�#�� 6,723 5,154 6,827 5,249

��+�\��?�� 2,592 2,825 2,659 3,118

Postage, Telegrams, Telephones, etc. 9,729 8,414 10,273 8,824

Repairs & Maintenance 6,308 6,295 6,442 6,447

Insurance 39,559 35,943 37,220 32,825

Others 229,136 144,498 231,722 150,080

��+��+,��+,��,�� Provision for Depreciation on Investments 35,073 (5,040) 35,073 (5,040)

Provision towards non performing assets 1,410,192 522,743 1,440,575 523,164

Provision towards standard assets (12,840) 40,860 (12,755) 40,922

Others (excluding income taxes) (49,787) 10,709 (49,820) 10,728

��"��"��"��#��|�$!�!�� 5,323,978 4,586,755 5,380,106 4,611,120

��+��+��+/,��+��,\�+��!,��+��_��,��~��]��,�`��\��

48



®eeuet Je<e&31.3.2016


®eeuet Je<e&31.3.2016


keÀj hetJe& ueeYe / neefve (779,077) 179,506 (803,661) 185,175

®eeuet keÀj 147,110 7,077 147,143 8,945

DeemLeefiele keÀj (317,265) 1,536 (317,306) 1,397

keÀj he½eele ueeYe/neefve (608,921) 170,892 (633,497) 174,833

men³eesieer kebÀheefve³eeW ceW Deeceoveer/(neefve) keÀe efnmmee

- - 5,906 26,647

DeuhemebK³ekeÀ efnle IeìeS peeves mes hetJe& Je<e& nsleg mecesefkeÀle efveJeue ueeYe/ neefve

(608,921) 170,892 (627,592) 201,480

IeìeSb- DeuhemebK³ekeÀ efnle - - (7,166) 189

Je<e& kesÀ efueS mecetn keÀe mecesefkeÀle efveJeue ueeYe/neefve

(608,921) 170,892 (620,426) 201,290

Deeies uee³ee ie³ee ueeYe / neefve - - - -

kegÀue (608,921) 170,892 (620,426) 201,290

efJeefve³eespeve meebefJeefOekeÀ Deejef#ele efveefOe keÀes DeblejCe 0 43,000 - 43,000

hetbpeerDeejef#ele efveefOe keÀes DeblejCe 15,947 8,878 16,109 8,878

Dev³e Deejef#ele efveefOe³eeW keÀes DeblejCe 0 79,042 - 109,440

mejkeÀej keÀes DeblejCe/he´mleeefJele ueeYeebMe 0 39,972 - 39,972

legueve he$e ceW Deeies ues peeF& ieF& Mes<e jeefMe (624,868) 0 (636,535) 0

³eLee 31 cee®e& 2016 keÀes yeQkeÀ Dee@HeÀ Fbef[³ee keÀe mebef#ehle ueeYe SJeb neefve Keelee jeefMe ` ueeKeeW ceW



















49







��'��#��<�! (779,077) 179,506 (803,661) 185,175

Current Tax 147,110 7,077 147,143 8,945

Deferred Tax (317,265) 1,536 (317,306) 1,397

��'��<�! (608,921) 170,892 (633,497) 174,833

j��=��?'[��^��associates

- - 5,906 26,647

\��}�� '��#��?�"��|�� (608,921) 170,892 (627,592) 201,480

��>��|�� - - (7,166) 189

\��}�� '��#��#�� (608,921) 170,892 (620,426) 201,290

��'��#��?��+�� - - - -

Total (608,921) 170,892 (620,426) 201,290

�� Transfer to statutory reserves 0 43,000 - 43,000

Transfer to Capital Reserve 15,947 8,878 16,109 8,878

Transfer to other reserves 0 79,042 - 109,440

<��"��'�� 0 39,972 - 39,972

Balance carried forward to Balance Sheet (624,868) 0 (636,535) 0

��+��+��+/,��+��,\�+��!,��+��_��,��~��]��,�`��\��



















50


³eLee 31 cee®e& 2016 keÀes yeQkeÀ Dee@HeÀ Fbef[³ee keÀe mebef#ehle vekeÀoer He´Jeen efJeJejCe He$e jeefMe ` ueeKeeW ceW


®eeuet Je<e&31.3.2016


®eeuet Je<e&31.3.2016


keÀ. heefj®eeueveiele ieefleefJeefOe³eeW mes vekeÀoer he´Jeen 2,202,452 1,084,453 1,831,079 1,463,820

Ke. efveJesMe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen: (42,713) (84,167) (60,869) (75,466)

ie. efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀoer he´Jeen 486,370 129,507 486,370 129,507

vekeÀo Deewj vekeÀoer mecelegu³e ceW efveJeue yeæ{le (S+yeer+meer) 2,646,108 1,129,793 2,256,580 1,517,861

vekeÀo Deewj vekeÀoer mecelegu³e ³eLee 1 Dehe´wue 7,268,022 6,138,229 7,693,892 6,176,031

vekeÀo Deewj vekeÀoer mecelegu³e ³eLee 31 cee®e& 9,914,130 7,268,022 9,950,472 7,693,892


Year ended31.3.2016

Year ended31.3.2015

Year ended31.3.2016

Year ended31.3.2015

�;� \��_��+��"��?�� 2,202,452 1,084,453 1,831,079 1,463,820

�;� \��_��+��"�|��?�� (42,713) (84,167) (60,869) (75,466)

\;� \��_��+��"�_��?�� 486,370 129,507 486,370 129,507

� �}��|��\��\��=*��[�¥�¥\^ 2,646,108 1,129,793 2,256,580 1,517,861

��/��@�,��^��@�� ~��~~� ��~~'� ��'��'~� ��

��/��@�,�� '�'�� ~��~~� �'�'��~� ��'��'~�





cesmeme& Sce Sce efvemmeerce Sb[ kebÀ cesmeme& pes. Heer. keÀHetj Sb[ Gyesje³e cesmeme& [er. efmebn. Sb[ kebÀ._��;��;�}��"��\�;� _��Q;� ;��#�� _��];�j��?��\�;meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \��(SHeÀDeejSve 107122 [yu³et) (FRN 107122W) (SHeÀDeejSve 000593 Sve) (FRN 000593N) (SHeÀDeejSve 001351 Sve) (FRN 001351N)

mebpe³e Kesceeveer j��"�� DeªCe ce@iee@ve ��?�� efmecejve efmebn Simran SinghYeeieeroej Partner Yeeieeroej Partner Yeeieeroej Partner (Sce. veb. 044577) M. No. 044577 (Sce. veb. 093323) M. No. 093323 (Sce. veb. 098641) M. No. 098641

cesmeme& ie´esJej ueuuee SC[ cesnlee cesmeme& yeer jleve DeB[ SmeesefMeSìme cesmeme& peer [er DeeHeìs DeB[ kebÀHeveer_�� _�� _��]��\�;meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \�� meveoer uesKeekeÀej \��(SHeÀDeejSve 002830 Sve) (FRN 002830N) (SHeÀDeejSve 011798 Sve) (FRN 011798N) (SHeÀDeejSve 100515 [yu³et) (FRN 100515W)

HebkeÀpe yebmeue �� efyeMeceJej kegÀceej keÀCe& ��"��"�� meewjYe HesMeJes Saurabh PeshweYeeieeroej Partner Yeeieeroej Partner Yeeieeroej Partner(Sce. ke´À. 502661) M. No. 502661 (Sce. ke´À. 094790) M. No. 094790 (Sce. ke´À. 121546) M. No. 121546mLeeve : cegbyeF& / Place : MumbaiefoveebkeÀ : 24 ceF&, 2016 / Date : 24th May 2016

��%@+Z��]�,��+��,\�+��!,��`��,��\��

51


mebef#ehle efJeÊeer³e efJeJejefCe³eeW kesÀ Yeeie mJeªhe cenlJehetCe& uesKee veerefle³eeb:1. lew³eej keÀjves keÀe DeeOeej:

mebef#ehle SkeÀue leLee mecesefkeÀle efJeÊeer³e efJeJejCe 31 cee®e& 2016 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ Dee@HeÀ Fbef[³ee (efo yeQkeÀ) kesÀ uesKeehejeref#ele SkeÀue leLee mecesefkeÀle efJeÊeer³e efJeJejCe mes lew³eej efkeÀS ieS nQ pees FmekesÀ yeeo efoS ieS uesKeebkeÀve he×efle³eeW kesÀ DeeOeej hej lew³eej efkeÀS ieS nQ~

efJeÊeer³e efJeJejCe he´®eefuele efJe®eej Oeeje keÀe heeueve keÀjles ngS, hejbhejeiele ueeiele DeeOeej hej Yeejle ceW meeceev³ele: DeheveeS peeves Jeeues uesKee efme×ebleeW (peerSSheer) hej lew³eej efkeÀS ieS nQ, efpemeceW ueeiet meebefJeefOekeÀ GheyebOe, Yeejleer³e efj]peJe& yeQkeÀ Üeje efveOee&efjle efJeefve³eecekeÀ Melex Yeejleer³e meveoer uesKeekeÀej mebmLeeve (DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀ (SSme) Deewj Yeejle kesÀ yeQeEkeÀie GÐeesie ceW efJeÐeceeve uesKeebkeÀve he×efle Meeefceue nQ~ efJeosMeer MeeKeeDeeW/keÀe³ee&ue³eeW kesÀ mebyebOe ceW mebyebefOele efJeosMeeW ceW he´®eefuele meebefJeefOekeÀ GheyebOeeW leLee uesKeebkeÀve he×efle³eeW keÀe Devegheeueve efkeÀ³ee nw, efmeJee³e GvekesÀ efpevnW Dev³e$e efJeefvee|oä efkeÀ³ee ie³ee nw~

Ghe³eg&ÊeÀ kesÀ DeefleefjÊeÀ mecesefkeÀle efJeÊeer³e efJeJejCe keÀer lew³eejer kesÀ efueS yeercee efJeefve³eecekeÀ Deewj efJekeÀeme heéefOekeÀjCe (DeeF&Deej[erS) leLee kebÀheveer DeefOeefve³ece, 2013 ceW efvee|oä ueeiet mebefJeefOekeÀ heéJeOeeve leLee efJeefve³eecekeÀ MeleeX keÀe Gme no lekeÀ Devegheeueve efkeÀ³ee ie³ee nw peneb lekeÀ ³en meb³egÊeÀ GÐece / Deveg<ebefie³eeW/ mene³ekeÀ kebÀheefve³eeW keÀes mecesefkeÀle keÀjves kesÀ efueS ueeiet nw ~

2. heékeÌkeÀueve keÀe he´³eesie:

efJeÊeer³e efJeJejCe keÀes lew³eej keÀjves kesÀ efueS ³en DeeJeM³ekeÀ nw efkeÀ efJeÊeer³e efJeJejCe keÀer efleefLe keÀes efjheesì& efkeÀS ie³es Deeeqmle leLee os³eleeDeeW (DeekeÀeqmcekeÀ os³eleeDeeW meefnle) keÀer jeefMe Deewj efjheese\ìie DeJeefOe kesÀ efueS efjheesì& efkeÀS ie³es Dee³e Deewj J³e³eeW kesÀ megefJe®eeefjle DevegceeveeW leLee OeejCeeW keÀes heýebOeve hetje keÀjs~ heýebOeve ³en efJeéeeme keÀjlee nw efkeÀ efJeÊeer³e efJeJejefCe³eeW keÀes lew³eej keÀjves ceW Ghe³eesie efkeÀS ie³es Devegceeve ³eLeesef®ele leLee þerkeÀ nw~ leLeeefhe heékeÌkeÀueve mes Demeue heefjCeece ceW Deblej nes mekeÀlee nw~ uesKee heékeÌkeÀueve ceW efkeÀmeer mebMeesOeve keÀes ®eeuet Deewj YeefJe<³e DeJeefOe keÀes O³eeve ceW jKekeÀj ceev³elee oer peeleer nw~

3 . jepemJe efveOee&jCe: 3.1 yeQeEkeÀie kebÀheefve³eeb: (keÀ) meeceev³ele: Dee³e/J³e³e keÀe uesKeebkeÀve Ghe®e³e DeeOeej hej efkeÀ³ee peelee

nw peye lekeÀ efkeÀ Dev³eLee GuuesKe ve efkeÀ³ee ie³ee nes~ efJeosMeer keÀe³ee&ue³eeW kesÀ mebyebOe ceW Gme mebyebefOele osMe kesÀ mLeeveer³e keÀevetve kesÀ Devegmeej Dee³e efveOee&efjle keÀer peeSieer~

(Ke) Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej efmeJee³e (i) (DeveglheeokeÀ Deeeqmle³eeW hej y³eepe, kesÀ efpemekeÀe efveOee&jCe Jemetueer nesves hej efkeÀ³ee peelee nw, mece³e Devegheele kesÀ DeeOeej hej y³eepe Dee³e keÀe efveOee&jCe efkeÀ³ee peelee nw~

(ie) yeQkeÀ ieejbìer Deewj meeKe he$e peejer keÀjves hej keÀceerMeve keÀe Ghe®e³e yeerpeer/Suemeer kesÀ keÀe³e&keÀeue hej neslee nw~

(Ie) Dev³e meYeer keÀceerMeve Deewj efJeefvece³e, yeéskeÀjspe, MegukeÀ leLee Dev³e heÝeejeW kesÀ Jemetueer hej Dee³e kesÀ ªhe ceW efveOee&jCe efkeÀ³ee peelee nw~

�!��!%!�� !�� !�!"�� %�|�!�� |�� %��|!#�"#�%!��!��"�"��

�� !��%��|"��|��!�� The abridged Standalone and Consolidated Financial

Statements have been prepared from the audited j�� \�� "�� Bank of India (‘the Bank’) for the year ended 31st March, 2016, which are prepared based on the accounting policies hereinafter appearing.

� <�� "�� +��?� ��going concern concept, on historical cost basis unless otherwise stated and conform, in all material aspects, to �� ?� �� [�� ^� ��India, which encompasses applicable statutory provisions, regulatory norms prescribed by the Reserve Bank of India [��|^�� ?� j�� [�j^� �� "�� #�� <�� |�� \�� |��[|\�|^� �� ?� �� #��?�� |��;� |�� ?�� '#��statutory provisions and accounting practices prevailing in the respective foreign countries are complied with, except ��+��;

In addition to above, for preparation of the consolidated �� "�� #�� and regulatory norms prescribed by the Insurance ��?��]��"��|��[|�]�^��\�"�� #�� +�� !�� #�� Q�� '��#��'associates being consolidated.

~�� "��%�"��!��"�� <�� "�� *��

management to make estimates and assumptions considered in the reported amount of assets and liabilities [��?� ��?�� #��^� �� statements and the reported income and expenses for the reporting period. Management believes that the estimates �� "�� prudent and reasonable. However actual results can differ ��"� ��"��;� �� ?� ��"�� recognized prospectively in current and future periods.

�� |"$"��"�|"��!�!��

� �� ,\�,��,�� [�^� |��"�'=!�� ?�� #��

��+��;�|��?��income is recognised as per local laws of host country.

(b) Interest income is recognised on time proportion #�� !�� }��>��"��?� ��which is recognised on realisation, in terms of the RBI guidelines.

� [�^� \�""�� \��'�\;

� [�^� �� \�""�� =!��?�� ?��Fees and other charges are recognised as income on realisation.

52


(*) HeefjHekeÌJelee lekeÀ Oeeefjle ÞesCeer ceW efveJesMe hej Dee³e (y³eepe kesÀ DeueeJee) GmekesÀ DebefkeÀle cetu³e hej heehle ítì hej efvecveevegmeej efveOee&efjle keÀer peeleer nw :

1. y³eepe osves Jeeueer heéfleYetefle³eeW hej kesÀJeue efye¬eÀer/jer[scheMeve kesÀ mece³e ner FmekeÀe efveOee&jCe efkeÀ³ee peelee nw~

2. peerjes-ketÀheve heéfleYetefle³eeW hej efvejblej heéfleHeÀue kesÀ DeeOeej hej heéfleYetefle kesÀ Mes<e heefjhekeÌJelee keÀeue hej FmekeÀe uesKeebkeÀve efkeÀ³ee peelee nw~

(®e) efveJesMeeW keÀer efye¬eÀer mes ngS ueeYe DeLeJee neefve keÀes ueeYe leLee neefve Keeles ceW ceev³elee oer peeleer nw~ leLeeefhe `heefjhekeÌJelee lekeÀ Oeeefjle' ÞesCeer kesÀ lenle efveJesMeeW keÀer efye¬eÀer ceW ueeYe keÀer eqmLeefle ceW keÀjeW kesÀ efveJeue Deewj meebefJeefOekeÀ jepemJe ceW DeblejCe kesÀ efueS DeeJeM³ekeÀ jeefMe kesÀ meceeve jeefMe keÀes `hetbpeer jepemJe Keeles' ceW efJeefve³eesefpele efkeÀ³ee peelee nw~

(í) ueeYeebMe heéhle keÀjves keÀe DeefOekeÀej mLeeefhele nesves hej ueeYeebMe keÀe efveOee&jCe efkeÀ³ee peelee nw~

(pe) cetu³eebkeÀve DeeosMe heeme keÀjves kesÀ Je<e& ceW Dee³ekeÀj- efjHebÀ[ hej y³eepe keÀe efveOee&jCe efkeÀ³ee peelee nw~

(Pe) SveheerS KeeleeW mes keÀer ieF& Jemetueer keÀe efJeefve³eespeve henues GOeejkeÀlee& kesÀ Keeles ceW [sefyeì efkeÀS ieS Deheéhle y³eepe/Dee³e, efkeÀS ieS J³e³e/DeeGì Dee@HeÀ hee@kesÀì J³e³e GmekesÀ yeeo yekeÀe³ee cetueOeve Deewj Deble ceW DeheÝeeefjle y³eepe ceW efJeefve³eesefpele keÀer peeleer nw~

3.2 iewj-yeQeEkeÀie kebÀheveer:

yeercee:

keÀ) heérefce³ece Dee³e: heérefce³ece (mesJee keÀj keÀe efveJeue) peye os³e nes leye Dee³e kesÀ

ªhe ceW hen®eeveer peeleer nw~ mebye× keÀejesyeej kesÀ efueS mene³ekeÀ FkeÀeF³eeb efvee|cele keÀer peeleer nQ leye heérefce³ece keÀer hen®eeve keÀer peeleer nw~ ìe@he-Dehe heérefce³eceeW keÀes SkeÀue heérefce³ece kesÀ ªhe ceW peevee peelee nw~ J³eHeiele Hee@efueefme³eeW keÀes Heérefce³ece Dee³e kesÀ ªHe ceW Hen®eevee peelee nw, peye Fme He´keÀej keÀer Hee@efueefme³eeB Hegve:HeéjbYe nes peeleer nQ~

Ke) mebye× efveefOe³eeW mes Dee³e: mebye× efveefOe³eeW mes Dee³e Jen nQ efpemeceW hee@efuemeer he´MeemeefvekeÀ

heÝeej, veerefle he´MeemekeÀer³e heÝeej, ce=l³eg oj heÝeej, efveefOe heýebOeve heÝeej Deeefo meeqcceefuele neW efpemes peejer veerefle³eeW kesÀ efveyebOeveeW leLee MeleeX kesÀ Devegmeej Jemetue efkeÀ³ee peelee nw Deewj Jemetueer nesves hej GvekeÀer hen®eeve keÀer peeleer nw~

ie) hegveyeeacee heérefce³ece: hegve: yeerceekeÀlee& kesÀ meeLe mebiele mebefOehe$eeW kesÀ efveyebOeve SJeb MeleeX

kesÀ Devegmeej heérefce³ece Dee³e keÀer hen®eeve kesÀ mece³e meÊeevleefjle hegveyeeacee heérefce³ece keÀe uesKeekeÀjCe neslee nw~

(e) Income (other than interest) on investments in “Held to Maturity” category acquired at a discount to the face value, is recognised as follows:

1. On Interest bearing securities, it is recognised ��"��'��"��;

2. On zero-coupon securities, it is accounted for over the balance tenor of the security on a constant yield basis.

� [�^� �� "�� ?�� ;�$�+�� "��¨$��category, an equivalent amount, net of taxes and amount required to be transferred to Statutory Reserves, is appropriated to ‘Capital Reserve ��;

(g) Dividend is recognised when the right to receive the dividend is established.

(h) Interest on Income-tax refund is recognised in the year of passing of assessment order.

� [�^� <�� "�� "� } �� +�� '��"��#�� #��+�� !��'�� pocket expenses incurred, then principal dues and lastly towards uncharged interest.

� ��~� �+,��,\�,��,��

� � !,�/��,�

� � �{� ��]�/]�!,+]�� Premium net of service tax is recognised

as income when due. For linked business, premium is recognised when the associated units are created. Top up premiums are considered as single premium.

Premium on lapsed policies is recognised as income when such policies are reinstated.

� � �{� !,+]��+]�@�,\��/,�� Income from linked funds which includes

policy administrative charges, mortality charges, fund management charges, etc. are recovered from the linked funds in accordance with the terms and conditions of policy and recognised when recovered.

� � {� |��,�/��,��]�/]� Reinsurance Premium ceded is accounted for

at the time of recognition of premium income in accordance with the terms and conditions of the relevant treaties with the reinsurers.

53


Ie) heóÊe ueeYe (oeJeeW meefnle) : heóÊe ueeYe ceW hee@efuemeer ueeYe leLee oeJee mecePeewlee ueeiele, ³eefo

keÀesF& nes, pegæ[e nw~

hee@efuemeerOeejkeÀ mes met®evee keÀer heéeqhle hej ce=l³eg, mebMeesOeve leLee DeY³ehe&Ce oeJes uesKeeke=Àle efkeÀS peeles nQ~ peye men³eesieer FkeÀeF³eeb efvejmle nes peeleer nQ leye mebyebefOele ³eespeveeDeeW ceW hee@efuemeer mebye× DeenjCe leLee meghego&ieer keÀe uesKeekeÀjCe efkeÀ³ee peelee nw~ os³e nesves hej GÊejpeerefJelee ueeYe oeJes leLee heefjhekeÌJelee oeJes uesKeeke=Àle efkeÀS peeles nQ~

efpeme DeJeefOe ceW oeJeeW keÀe efveheìeve efkeÀ³ee peelee nw, Gmeer ceW oeJeeW hej hegveyeeacee Jemetefue³eeW keÀe uesKeebkeÀve efkeÀ³ee peelee nw~

*) DeefOeieńCe ueeiele: DeefOeieńCe ueeiele Jen ueeiele nw pees cegK³e ªhe mes yeercee keÀjej

kesÀ DeefOeieńCe mes mebyebefOele nesleer nw Deewj GvekesÀ Deveg©he Deueie-Deueie nesleer nQ leLee efpeme DeJeefOe ceW Gheef®ele nesleer nw Ke®e& keÀer peeleer nw~

he´Lece Je<e& heóÊe keÀceerMeve nsleg YeefJe<³e ceW ³eefo keÀesF& keÀj ueieekeÀj Jemetueer nesleer nw, lees efpeme Je<e& ceW Jen Jemetue efkeÀ³ee peelee nw Gmeer Je<e& ceW GmekeÀe uesKeebkeÀve efkeÀ³ee peelee nw~

®e) peerJeve yeercee nsleg os³eleeSb: heÝeeJeer peerJeve yeercee hee@efueefme³eeW leLee Jen hee@efuemeer efpevekeÀe

heérefce³ece yebo nes ®egkeÀe nw eEkeÀleg os³eleeSb nQ, nsleg yeerceebefkeÀkeÀ os³eleeDeeW keÀe efveOee&jCe, Yeejleer³e meveoer yeerceebefkeÀkeÀer mebmLeeve kesÀ efve³eceeW leLee DeeF&Deej[erS efJeefve³ece yeercee DeefOeefve³ece, 1938 keÀer DeeJeM³ekeÀleeDeeW, mJeerke=Àle yeerceebefkeÀkeÀer J³eJene³e& kesÀ DevegmejCe ceW Deheéhle yeercee Deejef#ele heĆeeueer mecetn keÀejesyeej kesÀ ceeceues ceW mekeÀue heérefce³ece heĆeeueer keÀe Ghe³eesie keÀjles ngS efve³egÊeÀ yeerceebefkeÀkeÀer Üeje, efkeÀ³ee peelee nw~

mebye× os³eleeDeeW ceW hee@efuemeer kesÀ efveefOe cetu³e oMee&les ngS FkeÀeF& os³elee Deewj yeercee oeJee Fl³eeefo kesÀ efueS iewj FkeÀeF& os³elee Meeefceue nw~ ³en efve³egÊeÀ yeerceebefkeÀkeÀer Üeje efkeÀS ieS yeerceebefkeÀkeÀ cetu³eebkeÀve hej DeeOeeefjle nw~

iewj-yeQefkebÀie ieefleefJeOeer³eeB heefj®eeueveeW mes jepemJe heefj®eeueveeW mes jepemJe c³et®egDeue HeÀC[ ³eespevee mes heýebOeve

MegukeÀ keÀe uesKeebkeÀve efveJesMe heýebOeve keÀjej kesÀ Devegªhe Ghe®e³e DeeOeej hej efkeÀ³ee peelee nw Deewj Jes yeerDeesDeeF& SkeÌmee c³et®egDeue HeÀC[ keÀer ³eespeveeDeeW Üeje efjkeÀe@[& efkeÀS Devegmeej efveJeue Deeeqmle cetu³e hej DeeOeeefjle nesles nQ~

Dev³e Dee³e Ghe®e³e DeeOeej hej y³eepe Dee³e DebefkeÀle keÀer peeleer nw~ efveJesMe keÀer efye¬eÀer hej ueeYe ³ee neefve keÀes, J³eeheej keÀer leejerKe hej ueeYe/neefve Keeles ceW DebefkeÀle efkeÀ³ee peelee nw Deewj SkeÀue heéfleYetefle nsleg Yeeefjle Deewmele DeeOeej hej GmekeÀe heefjkeÀueve efkeÀ³ee peelee nw~

� � �{� ��,��^��z�,@/��,��@��]�{�

� � � �� "�� #�� claim settlement costs, if any.

Death, rider & surrender claims are accounted for on receipt of intimation from the policy holder. Withdrawal and surrender under linked policies are accounted for in the respective schemes when the associated units are cancelled.

� � � j�� #�� "�� "�� accounted for when due.

Reinsurance recoveries on claims are accounted for in the period in which claims are settled.

� � �{� ��/��+,��+�� *�� +��

and are primarily related to acquisition of insurance contracts and are expensed in the period in which they are incurred.

� � � \��+� #�� commission paid, is accounted for in the year in which it is recovered.

� � �{� ��@��_��+��@��^+@�� #��

for policies in respect of which premium has been discontinued but a liability exists, is ��"�� #�� ?�the gross premium method and in case of ?�� #�� "��"� ��Method, in accordance with accepted actuarial �� *��"�� |�� |�]�� ?�� |��|��;

� � � �� #�� "�� #��representing the fund value of policies and non-unit liability for meeting insurance claims, etc. This is based on an actuarial valuation ��#��;

� � ��+,*��,\�,��/�/�@�%/,� Revenue from Operations Management fees from

the scheme of mutual fund are accounted on an accrual basis in accordance with the investment management agreement and are dependent on the net asset value as recorded by the schemes of BOI �£��;

�� !,+]�� Interest income is recorded on �� #��;� �� "�� ?�� and determined on weighted average basis for individual security.

54


4. Deefieće: (keÀ) ueeiet efJeefve³eecekeÀ efoMeeefveoxMeeW kesÀ DevegmejCe ceW Deefieće keÀes GlHeeokeÀ

Deewj DeveglHeeokeÀ DeefiećeeW (SveheerS) kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw~ (Ke) ueeiet efJeefve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej Devepe&keÀ Deeeqmle³eeW (SveheerS)

keÀes Deeies DeJeceevekeÀ, mebefoiOe leLee neefve Deeeqmle³eeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nw~

(ie) Iejsuet MeeKeeDeeW kesÀ mebyebOe ceW SveheerS mes mebyebefOele heéJeOeeve yeQkeÀ keÀer veerefle kesÀ Devegmeej efJeMes<ekeÀj SveheerS keÀe lJeefjle heéJeOeeveerkeÀjCe kesÀ Devegmeej efkeÀ³ee ie³ee nw efpemekeÀe oj efvecveevegmeej nw~

�� #$��"�� [�^� �� "��?�� }��>

��"��?� �� [} ��^� �� +��the applicable regulatory guidelines.

� [#^� } �� j�#>j��]��#�� "�� #��regulatory guidelines.

(c) In respect of domestic branches, Provisions in �� } �� "�� #��particularly in accelerated provisioning table for } ��+��?��{

SveheerS Jeie& ��+�_�+�� % of net outstanding advanceDeJeceevekeÀ* Sub Standard:*

keÀ) SkeÌmehees]pej, pees DeejbYe mes iewj peceeveleer nw a) Exposures, which are unsecured ab initio 25%

Ke) Dev³e b) Others 15%

mebefoiOe : Doubtful:

peceeveleer efnmmee (Gme DeJeefOe kesÀ efueS efpemekesÀ oewjeve Deefieće mebefoiOe ÞesCeer ceW ner jne) a) Secured portion (Period for which advance has remained in doubtful category)

- SkeÀ Je<e& lekeÀ � >�� 25%

- SkeÀ Je<e& mes leerve Je<e& lekeÀ - One year to three years 40%

- leerve Je<e& mes DeefOekeÀ - More than three years 100%

iewj peceeveleer efnmmee #^� �� 100%

neefve �� 100%

* yekeÀe³ee Deefieće hej (Ie) efJeosMeer MeeKeeDeeW kesÀ mebyebOe ceW, DeefiećeeW keÀe SveheerS kesÀ ªhe ceW

JeieeakeÀjCe Deewj SveheerS kesÀ mebyebOe ceW heéJeOeeve mebyebefOele efJeosMeer osMe ceW ueeiet efJeefve³eecekeÀ DeeJeM³ekeÀleeDeeW DeLeJee Iejsuet MeeKeeDeeW kesÀ efueS ueeiet efoMeeefveoxMeeW kesÀ Devegmeej nesieer pees Yeer keÀæ[s neW~

(*) Yeejleer³e efj]peJe& yeQkeÀ kesÀ ceevekeÀeW kesÀ Devegmeej efveJeue Deefiece kesÀ heefjkeÀueve nsleg kegÀue DeefieceeW ceW mes DeveglheeokeÀ Deeeqmle³eeb, DeJemetueerke=Àle y³eepe, Fmeerpeermeer oeJee efveheìeve Fl³eeefo kesÀ mebyebOe ceW heeJeOeeve IeìeS peeles nQ~

(®e) hegvee|veOeeefjle/hegve:mebjef®ele KeeleeW kesÀ mebyebOe ceW efJeÐeceeve cetu³e eqmLeefle ceW DeekeÀefuele y³eepe hegveme¥jef®ele Deefiece kesÀ cetu³e ceW Ëeme kesÀ heefjl³eeie kesÀ efueS Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej heeJeOeeve efkeÀ³ee peelee nw~ efveJeue Deefiece kesÀ heefjkeÀueve nsleg Fme heeJeOeeve keÀes Ieìe³ee peelee nw~

(í) Deeeqmle hegveie&þve kebÀheveer (SDeejmeer)/heéfleYeteflekeÀjCe kebÀheveer (Smemeer) keÀes efJeÊeer³e Deeeqmle³eeb yes®e osves kesÀ ceeceues ceW ³eefo efye¬eÀer keÀe cetu³e efveJeue yener cetu³e (SveyeerJeer) mes DeefOekeÀ nw lees DeefleefjÊeÀ jeefMe keÀes jKee peelee nw Deewj Smemeer/SDeejmeer keÀes Dev³e efJeÊeer³e Deeeqmle³eeW keÀer efye¬eÀer ceW nesvesJeeueer keÀceer/neefve keÀer hete|le nsleg Ghe³eesie efkeÀ³ee peelee nw~ ³eefo efye¬eÀer efveJeue yener cetu³e (SveyeerJeer) mes veer®es nw (DeLee&led jKes ieS heéJeOeeve mes keÀce yekeÀe³ee) lees keÀceer keÀes ueeYe SJeb neefve Keeles ceW veeces efkeÀ³ee peelee nw~ ³eefo DeefleefjÊeÀ jeefMe GheueyOe nw lees Ssmeer keÀceer keÀes GmeceW Kehee³ee peeSiee~ 26.02.2014 keÀes DeLeJee GmekesÀ yeeo SveheerS keÀer efye¬eÀer mes GlheVe efkeÀmeer Yeer keÀceer keÀes ³eefo DeefleefjÊeÀ jeefMe ceW Kehee³ee veneR peelee nw lees Gmes oes Je<e& keÀer DeJeefOe kesÀ efueS heefjMeesefOele efkeÀ³ee peeSiee~

SveheerS keÀer efye¬eÀer mes heehle DeefleefjÊeÀ heeJeOeeve keÀes leYeer efjJeme& efkeÀ³ee peeSiee peye Deeeqmle keÀe efveJeue yener cetu³e heehle vekeÀoer (kesÀJeue heejbefYekeÀ heefleHeÀue Üeje/DeLeJee SmeDeejSme/heerìermeer keÀe jer[scheMeve) mes DeefOekeÀ nesiee~ DeefleefjÊeÀ heeJeOeeve keÀe efjJeme&ue Deeeqmle kesÀ SveyeerJeer mes DeefOekeÀ heehle vekeÀoer kesÀ Gme no lekeÀ meerefcele nesieer~

(pe) Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej ceevekeÀ Deeeqmle³eeW kesÀ ªhe ceW Jeieeake=Àle hegve:mebjef®ele DeefieceeW meefnle ceevekeÀ Deeeqmle³eeW keÀe heeJeOeeve efkeÀ³ee peelee nw~

(Pe) Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej efveJeue efveefOekeÀ osMe kesÀ SkeÌmehees]pej kesÀ efueS ÞesCeerye× mkesÀue hej heéJeOeeve efkeÀ³ee peelee nw~

* on the outstanding advance� [�^� |�� ?�� #��

�� } �� } �� "�� ?�� *��"��prevailing at the respective foreign countries or as per guidelines applicable to domestic branches, whichever is stringent.

� [�^� �� } �� ECGC claims settled, etc. are deducted from total advances to arrive at net advances as per RBI norms.

� [�^� |�� '�� provision is made for the diminution in the fair value of restructured advances measured in present value terms as per RBI guidelines. The said provision is reduced to arrive at Net advances.

� [?^� |�� \�"�� [��\^� '� j��Company (SC), if the sale is at a price higher than �� }�~�� "�� '�� j\'��\;� |�� #��+� �� #�� [}�~^�� [�;�;� ��?�less provision held) the shortfall is to be debited �� ;� $�+�� is available, such shortfall will be absorbed in the ��;� �� ?� �� } ��'�'��+��#��"��period of two years if not absorbed in the surplus.

� � =!�� ?� �� } �� reversed only when the cash received (by way of �� '�� "�� j�j' <\^��?��#��[}�~^��asset. Reversal of excess provision will be limited to ��!�� +�� !�� }�~�of the asset.

(h) Provision for Standard assets, including restructured �� "�� accordance with RBI guidelines.

(i) Provision for net funded country exposures is made on a graded scale in accordance with the RBI guidelines.

55


5. DemLee³eer heéJeOeeve: yeQkeÀ ceW DemLee³eer heéJeOeeve keÀe me=peve keÀjves Deewj GmekeÀe Ghe³eesie keÀjves keÀer veerefle

nw~ he´l³eskeÀ efJeÊeer³e Je<e& kesÀ Deble ceW me=efpele keÀer peeves Jeeueer DemLee³eer heéJeOeeve keÀer hećee$ee keÀe efveOee&jCe efkeÀ³ee peelee nw~ DemLee³eer heéJeOeeve keÀe Ghe³eesie veerefle ceW efveOee&efjle kesÀJeue DemeeOeejCe heefjeqmLeefle³eeW kesÀ Debleie&le DeekeÀeqmcekeÀleeDeeW kesÀ efueS Yeejleer³e efj]peJe& yeQkeÀ keÀer hetJe& Devegceefle mes DeLeJee efkeÀmeer efvee|oä GÎsM³e kesÀ efueS Yeejleer³e efj]peJe& yeQkeÀ Üeje oer ieF& efJeMes<e Devegceefle mes ner efkeÀ³ee peelee nw~

6. [sefyeì/¬esÀef[ì keÀe[& efjJee[& hee@Fbì: yeQkeÀ kesÀ [sefyeì keÀe[& OeejkeÀeW kesÀ mebyebOe ceW efjJee[& hee@Fbì keÀe heéJeOeeve yeerceebefkeÀkeÀ

DeekeÀueve kesÀ DeeOeej efkeÀ³ee peelee nw Deewj ¬esÀef[ì keÀe[& hej efjJee[& hee@Fbì kesÀ efueS heéJeOeeve mebef®ele yekeÀe³ee hee@Fbì kesÀ DeeOeej hej efkeÀ³ee peelee nw~

7. efveJesMe: De. mejkeÀejer heéfleYetefle³eeW ceW mebJ³eJenejeW keÀes efveheìeve efleefLe hej ceev³elee heóeve

keÀer peeleer nw Deewj Dev³e meYeer efveJesMeeW keÀes J³eeheej keÀer efleefLe hej ceev³elee heóeve keÀer peeleer nw~

ye. efveJesMeeW keÀe JeieeakeÀjCe Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej `heefjhekeÌJelee lekeÀ Oeeefjle', `keÀejesyeej kesÀ efueS Oeeefjle' Deewj èfye¬eÀer nsleg Oeeefjle' ÞesefCe³eeW ceW efkeÀ³ee ie³ee nw~ Yeejle ceW efkeÀS ieS efveJesMeeW kesÀ hekeÀìve kesÀ GÎsM³e mes FvnW DeejyeerDeeF& efoMeeefveoxMeeW kesÀ Devegmeej í: JeieeX kesÀ lenle Jeieeake=Àle efkeÀ³ee peelee nw pewmes mejkeÀejer heefleYetefle³ee@b, Dev³e Devegceesefole heefleYetefle³eeb, Mes³ej, ef[yeW®ej Deewj yee@b[, Deveg<ebefie³eeW Deewj mene³ekeÀ kebÀheefve³eeW Deewj Dev³e ceW efveJesMe~ Yeejle kesÀ yeenj efveJesMeeW kesÀ efueS DeejyeerDeeF& kesÀ efoMeeefveoxMeeW kesÀ Devegmeej FvnW ®eej ÞesefCe³eeW ceW Jeieeake=Àle efkeÀ³ee peelee nw pewmes mejkeÀejer heefleYetefle³eeb (mLeeveer³e heeefOekeÀeefj³eeW meefnle), efJeosMe ceW Deveg<ebefie³eeW/meb³egÊeÀ GÐece Deewj Dev³e efveJesMe~

(keÀ) JeieeakeÀjCe keÀe DeeOeej efveJesMe keÀe JeieeakeÀjCe GmekesÀ Depe&ve kesÀ mece³e efkeÀ³ee peelee nw~

i) heefjhekeÌJelee hej Oeeefjle FmeceW Ssmes efveJesMe nQ efpevnW yeQkeÀ heefjhekeÌJelee lekeÀ jKeves

keÀe Fjeoe jKelee nw~ Deveg<ebefie³eeW, meb³egÊeÀ GÐeceeW Deewj mene³ekeÀ kebÀheefve³eeW ceW efkeÀS ieS efveJesMe keÀes Yeer heefjhekeÌJelee lekeÀ Oeeefjle kesÀ lenle Jeieeake=Àle efkeÀ³ee peelee nw~

ii) keÀejesyeej kesÀ efueS Oeeefjle FmeceW Ssmes efveJesMe nw efpevnW Deuhe ceer³eeoer cetu³e/y³eepe

oj kesÀ Gleej-®eæ{eJe keÀe ueeYe uesles ngS keÀejesyeej kesÀ Fjeos mes Depe&ve efkeÀ³ee peelee nw~ Kejero keÀer leejerKe mes 90 efoveeW kesÀ Deboj FmekeÀe keÀejesyeej efkeÀ³ee peelee nw~

iii) efye¬eÀer kesÀ efueS GheueyOe Ssmes efveJesMe efpevekeÀe JeieeakeÀjCe `HeefjHekeÌJelee lekeÀ

Oeeefjle' DeLeJee `keÀejesyeej kesÀ efueS Oeeefjle' ªhe ceW veneR efkeÀ³ee nw, GvnW Fme Meer<e& ceW jKee ie³ee nw~

�� %��!��|�$!�!�� The bank has a policy for creation and utilisation of

��?� ��;� <�� *��"� �� ?� �� #�� ;�<�� ?� �� ?�� !�� "�� with prior permission of Reserve Bank of India or on being ��"��#�� |��purposes.

�� #"�!� �|"#!��|#�|"��|#��!�� Provision for reward points in relation to the debit card

holders of the bank is provided for on actuarial estimates and Provision for Reward Points on Credit cards is made based on the accumulated outstanding points.

�� !�$"��"�� ;� <�� "�� j��

recognised on Settlement Date and all other Investments are recognised on trade date.

B. Investments are categorised under `Held to �� ¨$�� <��?�� ¨��#�� j��categories as per RBI guidelines. For the purpose of disclosure of investments in India, these are �� +�� |� ?�� !� �� ;� ��"�� j�� %�� j�� j�� ]�#�� |��"�� j�#�� and Others. In respect of investments outside |�� +�� |�guidelines, under four categories viz. Government j�� [��?� �� ^�� j�#��'Q��~��#��%��|��"��;

� � z�{� Basis of categorisation Categorisation of an investment is done at the

time of its acquisition.

� � � �{� ��@��+��/��_ These comprise investments that

the Bank intends to hold till maturity. |��"�� #�� ventures and associates are also categorised under Held to Maturity.

� � � ��{� ��@��+��,� These comprise investments acquired

with the intention to trade by taking ��?�� "� ��'��rate movements. These are intended to be traded within 90 days from the date of purchase.

� � � ��{� ��@��@��+��@� These comprise investments which do

not fall under in “Held to Maturity” or �$��<��?��;

56


Ke) efveJesMe keÀe DeefOeieńCe ueeiele

i) F&eqkeÌJeìer efveJesMe kesÀ Depe&ve kesÀ efueS Yegieleeve efkeÀS ieS

yeéskeÀjspe, keÀceerMeve, heéfleYetefle³eeW keÀe mebJ³eJenej keÀj

Fl³eeefo ueeiele ceW Meeefceue nw~

ii) yeéskeÀjspe, keÀceerMeve, $eÝCe efveJesMe hej Yegieleeve/heéhle

efkeÀS ieS Kebef[le DeJeefOe kesÀ y³eepe keÀes Dee³e/J³e³e kesÀ

ªhe ceW ceevee ie³ee nw Deewj Fmes ueeiele/efye¬eÀer hej efJe®eej

keÀjles mece³e Meeefceue veneR efkeÀ³ee peelee~

iii) efveJesMeeW kesÀ DeefYeoeve hej heéhle yeéskeÀjspe Deewj keÀceerMeve

keÀes ueeYe Deewj neefve Keeles ceW pecee efkeÀ³ee peelee nw~

iv) efveJesMe keÀer ueeiele Yeeefjle Deewmele ueeiele he×efle Üeje

efveOee&efjle keÀer peeleer nw~

ie) cetu³eebkeÀve keÀe lejerkeÀe

Yeejle ceW efveJesMeeW keÀe cetu³eebkeÀve Yeejleer³e efj]peJe& yeQkeÀ kesÀ

efoMeeefveoxMeeW kesÀ Devegmeej efkeÀ³ee peelee nw Deewj efJeosMeer MeeKeeDeeW

ceW Oeeefjle efveJesMeeW keÀe mebyebefOele efJeosMeer osMe ceW ueeiet meebefJeefOekeÀ

heéJeOeeveeW kesÀ Devegmeej cetu³e kesÀ keÀce hej DeLeJee mece³e-mece³e

hej Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej

cetu³eebefkeÀle efkeÀ³ee peelee nw~

ì^s]pejer efyeue Deewj JeeefCeeqp³ekeÀ keÀeiepeeleeW keÀe jKeeJe ueeiele hej

cetu³eebefkeÀle efkeÀ³ee peelee nw~

i) heefjhekeÌJelee lekeÀ Oeeefjle:

1. Fme ÞesCeer kesÀ lenle efveJesMeeW keÀes GvekesÀ Depe&ve

ueeiele, heefjMeesOeve kesÀ efveJeue, ³eefo keÀesF& nes,

hej efue³ee ie³ee nw~ DebefkeÀle cetu³e mes DeefOekeÀ

Depe&ve ueeiele, ³eefo keÀesF& nes, keÀes melele

Depe&ve heĆeeueer keÀe Ghe³eesie keÀj heefjhekeÌJelee

keÀer Mes<e ye®eer DeJeefOe ceW heefjMeesefOele efkeÀ³ee

ie³ee nw~ heérefce³ece keÀe Fme he´keÀej heefjMeesOeve

Dee³e ceW èfveJesMe hej y³eepe' Meer<e& kesÀ lenle

mecee³eesefpele keÀer peeleer nw~

2. Deveg<ebefie³eeW, meb³egÊeÀ GÐeceeW Deewj mene³ekeÀ

kebÀheefve³eeW (Yeejle Deewj efJeosMe oesveeW ceW) ceW

efveJesMe keÀes hejbhejeiele ueeiele ceW cetu³eebefkeÀle

keÀer peeleer nw efmeJee³e #es$eer³e ieéceerCe yeQkeÀeW ceW

efveJesMe kesÀ efpevnW jKeeJe ueeiele hej (DeLee&led

yener cetu³e) hej cetu³eebefkeÀle efkeÀ³ee peelee nw~

DemLee³eer keÀes íesæ[keÀj he´l³eskeÀ efveJesMe kesÀ efueS

Deueie Deueie Ûeme (diminutions) kesÀ efueS

heéJeOeeve efkeÀ³ee peelee nw~

� � z�{� ��/��+,��+��+��!,��]�,�

i) Brokerage, commission, securities transaction tax etc. paid on acquisition of equity investments are included in cost.

ii) Brokerage, commission, broken �� '� �� #��"�� "�'�!�� !��"��'��consideration.

iii) Brokerage and Commission received on subscription of investments is �� ;

iv) Cost of investments is determined at weighted average cost method.

� � z{� ��+��+��@/��+,

Investments in India are valued in accordance with the RBI guidelines and investments held at foreign branches are valued at lower of the value as per the statutory provisions prevailing at the respective foreign countries or as per RBI guidelines issued from time to time.

Treasury Bills and Commercial Papers are valued at carrying cost.

� � � �{� ��@��+��/��_�

1 Investments included in this category are carried at their acquisition cost, net of amortisation, if any. The excess of acquisition cost, if any, over the face value is amortised over the remaining period to maturity using constant yield method. Such amortisation of premium �� ?�� "��under the head “interest on investments”.

� � � � �� |��"�� #�� ventures and associates (both in India and abroad) are valued at historical cost except for investments in Regional Rural Banks, which are valued at ��?� �� [�;�;� #�� ^;� ��provision is made for diminution, other than temporary, for each investment individually.

57


ii) keÀejesyeej kesÀ efueS Oeeefjle/efye¬eÀer kesÀ efueS GheueyOe 1. Fme ÞesCeer kesÀ lenle efveJesMeeW keÀe cetu³eebkeÀve

efJeefve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej yeepeej cetu³e DeLeJee Gef®ele cetu³e hej efveOee&efjle efkeÀ³ee peelee nw Deewj hel³eskeÀ ÞesCeer ceW hel³eskeÀ JeieeakeÀjCe ceW kesÀJeue efveJeue cetu³eËeme ueiee³ee peelee nw Deewj efveJeue cetu³eJe=ef× keÀes O³eeve ceW veneR efue³ee peelee nw~ cetu³eËeme kesÀ efueS heeJeOeeve hej ceee\keÀie ìt ceekexÀì kesÀ he½eele SkeÀue heefleYetefle³eeW keÀe yener cetu³e DeheefjJee|lele jnlee nw~

2. keÀejesyeej kesÀ efueS Oeeefjle Deewj efyeke´Àer kesÀ efueS GHeueyOe he´Jeie& ceW keÀesì efkeÀS ieS efveJesMe kesÀ cetu³eebkeÀve nsleg yeepeej oj/mìe@keÀ SkeÌme®eWpe YeeJe/Yeejleer³e heéLeefcekeÀ J³eeheejer mebIe (heer[erSDeeF&)/efveOee&efjle Dee³e cegêe yeepeej Deewj J³eglheVe ([sefjJesefìJpe) mebIe (SHeÀDeeF&SceSce[erS) Üeje Ieesef<ele ojeW keÀe Ghe³eesie efkeÀ³ee peelee nw~ efpeve efveJesMe kesÀ efueS Ssmes oj/YeeJe GheueyOe veneR nw GvekeÀe cetu³eebkeÀve Yeejleer³e efj]peJe& yeQkeÀ Üeje efveOee&efjle ceevekeÀeW kesÀ Devegmeej efkeÀ³ee peelee nw pees efvecveevegmeej nw:

mejkeÀejer/heéfleYetefle³eeb heefjhekeÌJelee DeeOeej kesÀ heéfleHeÀue hejDev³e Devegceesefole HeéfleYetefle³eeb heefjhekeÌJelee DeeOeej kesÀ heéfleHeÀue hejFefkeÌJeìer Mes³eme&, HeerSme³et Deewj v³eemeer Mes³eme&

DeÐeleve legueve He$e (18 cenerveeW mes DeefOekeÀ Hegjeveer veneR) kesÀ Devegmeej efJeMuesef<ele cetu³e Hej, Dev³eLee Heéfle kebÀHeveer ©. 1

DeefOeceev³e Mes³eme& HeefjHekeÌJelee DeeOeej kesÀ HeéfleHeÀue HejHeerSme³et yee@[dme HeefjHekeÌJelee DeeOeej kesÀ HeéfleHeÀue Hejc³et®egDeue HebÀ[ efveefOe (yeermeerSHeÀ) 18 cenerveeW mes Hegjeveer veneR Ssmes uesKeeHeefjef#ele efJelleer³e

efJeJejCe kesÀ Devegmeej Ieesef<ele SveSyeer DeLeJee yes´keÀ DeHe SveSyeer ~ ³eefo SveSyeer / uesKee Hejeref#ele efJeÊeer³e efJeJejCe 18 cenerveeW mes DeefOekeÀ nsleg GHeueyOe veneR nw lees ©. 1 Heéfle yeermeerSHeÀ

HeéfleYetefle jmeero HeéfleYeteflekeÀjCe kebÀHeefve³eeW Üeje Iees<eCee kesÀ Devegmeej SveSyeer Hej

Ie) he´JeieeX kesÀ ceO³e heéfleYetefle³eeW keÀe DeblejCe

he´JeieeX kesÀ ceO³e efkeÀmeer heéfleYetefle kesÀ DeblejCe keÀe, DeblejCe efoJeme hej DeefYeieńCe ueeiele/yener cetu³e/yeepeej cetu³e FveceW mes pees Yeer keÀce nw kesÀ ªhe ceW, uesKee efkeÀ³ee peelee nw~ Ssmes DeblejCe hej cetu³e-Ûeme, ³eefo nw lees hetCe& heéJeOeeve efkeÀ³ee ie³ee nw~

*) iewj - efve<heeokeÀ efveJesMe (SveheerDeeF&) Deewj GmekeÀe cetu³eebkeÀve

1. efveJesMeeW keÀes efve<heeokeÀ Deewj iewj-efve<heeokeÀ ceW Jeieeake=Àle efkeÀ³ee peelee nw pees Iejsuet keÀe³ee&ue³eeW kesÀ ceeceues ceW DeejyeerDeeF& Deewj efJeosMeer keÀe³ee&ue³eeW kesÀ ceeceues ceW mebyebefOele efJeefve³eecekeÀ Üeje peejer efoMeeefveoxMeeW hej DeeOeeefjle nw~

� � � ��{� ��@��+��,�� @��@��+��@� 1 Investments under these categories

are individually valued at the market price or fair value determined as per Regulatory guidelines and only the net �� each category is provided for and net appreciation is ignored. On provision for depreciation, the book value of the individual securities remains unchanged after marking to market.

2 For the purpose of valuation of quoted investments in "Held for Trading" and ��#�� j�� ?�� "�� '� *�� j��Exchanges, the rates declared by ��"�� ]�� |��[ ]�|^� '� _�!�� |��"�� ]�� [_|��]�^�are used. Investments for which such ��'*�� #�� valued as per norms laid down by RBI, which are as under:

Government Securities on Yield to Maturity basis%��j�� on Yield to Maturity basis=*�� j�� j�� Trustee shares

�� #��>�� Balance Sheet (not more than 18 months old), otherwise `1 per company.

Preference Shares on Yield to Maturity basis j�� on Yield to Maturity basis��_�� '}�~�

declared by the Fund in respect of each scheme

~�� \�� _��[~\_^

]�� }�~� �� #�� }�~� �� +�� "�� "�� ;� |�� }�~'�� #�� "�� 18 months then at ` '>��~\_;

Security Receipts �� }�~� �� #�� j��Companies

� � z�{� ��,��+��/��Z��,��+�� The transfer of securities between categories

are carried out at the least of acquisition �� '� #�� '"�� of transfer. The depreciation, if any, on such transfer is fully provided for.

� � z�{� ��+,� ^��+�]�,�� !,��]�,�� z��!�{� �,��valuation thereof

� � � ;� |��"�� performing and non-performing, based on the guidelines issued by the RBI in �� "�� ?��?��;

58


2. iewj-efve<heeokeÀ efveJesMe kesÀ mebyebOe ceW Dee³e ceev³e veneR nesleer nw

leLee Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej Ssmeer

heefleYetefle³eeW kesÀ cetu³e ceW cetu³e-Ûeme nsleg heeJeOeeve efkeÀ³ee peelee nw~

®e) jshees/efjJeme& jshees

jshees/efjJeme& jshees kesÀ lenle yes®eer Deewj Kejeroer ieF& heefleYetefle³eeW keÀe

uesKeebkeÀve mebheee|éekeÀ GOeej Deewj GOeej uesves kesÀ mebJ³eJenej kesÀ ªhe

ceW efkeÀ³ee peelee nw~ leLeeefhe meeceev³e meerOeer efye¬eÀer/Kejero mebJ³eJenej

kesÀ ceeceues ceW heefleYetefle³eeW keÀe DeblejCe efkeÀ³ee peelee nw Deewj Ssmeer

heefleYetefle³eeb jshees/efjJeme& jshees KeeleeW Deewj oglejHeÀe heefJeeqä³eeW kesÀ he³eesie

mes efjHeÌueskeÌì nesleer nQ~ Ghe³eg&ÊeÀ heefJeeqä³eeW keÀes heefjhekeÌJelee hej efjJeme&

efkeÀ³ee peelee nw~ ueeiele leLee jepemJe keÀe uesKeebkeÀve pewmee Yeer

ceeceuee nes y³eepe J³e³e/Dee³e kesÀ ªhe ceW efkeÀ³ee peelee nw~ jshees Keeles

ceW Mes<e keÀes GOeej kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee Deewj efjJeme& jshees

Keeles ceW Mes<e keÀes yeQkeÀ ceW Mes<e, ceveer Sì keÀe@ue Deewj Mee@ì& veesefìme

kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw~

8) J³eglheVe ([sefjJesefìJe):

Jele&ceeve ceW yeQkeÀ HeÀe@jskeÌme / Deefieće mebefJeoe y³eepe oj SJeb keÀjWmeer J³eglheVe keÀe

keÀe³e& osKelee nw~ yeQkeÀ Üeje efkeÀ³ee peeves Jeeuee y³eepe oj J³eglheVe ©he³ee y³eepe oj

mJewhe, efJeosMeer cegêe y³eepe oj mJewhe, DeieĆeer oj keÀjej leLee y³eepe oj HeÌ³et®ej

nw~ yeQkeÀ Üeje efkeÀ³ee pee jne cegêe J³eglheVe efJekeÀuhe, keÀjvmeer mJewhe leLee keÀjvmeer

HeÌ³et®ej nw~ Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMee-efveoxMeevegmeej, J³eglheVe keÀes efvecveevegmeej

cetu³eebefkeÀle efkeÀ³ee peelee nw:

(keÀ) nwpe/vee@ve nwpe (ceekexÀì ceseEkeÀie) mebJ³eJenej Deueie mes efjkeÀe[& efkeÀS peeles nQ~

(Ke) nwef]peie J³eglheVe hej Dee³e/J³e³e Ghe®e³e DeeOeej hej uesKeebefkeÀle nesleer nw~

(ie) HeÀe@jskeÌme HeÀe@jJe[& mebefJeoeDeeW keÀes yeepeej keÀes ef®eeqvnle efkeÀ³ee peelee nw Deewj

heefjCeeceleë ueeYe SJeb neefve keÀes ueeYe SJeb neefve Keeles ceW yelee³ee peelee nw~

(Ie) J³eeheej GÎsM³e mes efJeefvece³e J³eeheej J³etlheVe kesÀ DeueeJee y³eepe oj J³etlheVe

Deewj cegêe J³etlheVe keÀes yeepeej keÀes ef®eeqvnle (SceìerSce) efkeÀ³ee peelee nw

Deewj heefjCeeceleë neefve, ³eefo keÀesF& nes, keÀes ueeYe SJeb neefve ceW yelee³ee

peelee nw~ ueeYe, ³eefo keÀesF& nes,hej O³eeve veneR efo³ee peelee nw~

(*) J³eeheej GÎsM³e mes heefJeä efJeefvece³e J³eeheej J³etlheVe keÀe efJeefvece³e Üeje heoÊe

ojeW kesÀ DeeOeej hej he®eefuele ceekexÀì ojeW hej cetu³eebkeÀve efkeÀ³ee peelee nw~

(®e) ì^seE[ie mJewhe kesÀ efvejmleerkeÀjCe mes ueeYe/neefve³eeW keÀes efvejmleerkeÀjCe efleefLe

ceW Dee³e/J³e³e kesÀ ©he ceW efjkeÀe[& efkeÀ³ee peelee nw~ mJewhe kesÀ efvejmleerkeÀjCe

hej efkeÀmeer Yeer ueeYe/neefve keÀe mLeieve mJewhe keÀer Mes<e DevegyebefOele keÀce

DeJeefOe DeLeJee heoveeefcele Deeeqmle³eeB/os³eleeDeeW keÀer yekeÀe³ee DeJeefOe mes

mebye× efkeÀ³ee peelee nw~

(í) efJekeÀuhe mebefJeoe kesÀ heefjhekeÌJelee keÀeue hej efJekeÀuhe MegukeÀ/heérefce³ece keÀe

heefjMeesOeve efkeÀ³ee peelee nw~

2. In respect of non performing investments, income is not recognised and provision is made for depreciation in value of such securities as per RBI guidelines.

� � z�{� |�^+ |��|�^+� � � �<��'

Reverse repo are accounted as Collateralised lending and borrowing transactions. However, securities are transferred as in case of normal ��?�� '� �� "��"�� ?� ��'� �� \��entries. The above entries are reversed on the date of maturity. Costs and revenues are �� !��'��"�� "�� #�;� �� +��?�� #�� with Banks and Money at Call & Short Notice.

�� #"|!$��!$"� The Bank presently deals in Forex Forward Contracts,

interest rate and currency derivatives. The interest rate derivatives dealt with by the Bank are Rupee Interest Rate Swaps, Foreign Currency Interest Rate Swaps, Forward �� ?��"�� |�� _��;� \��Derivatives dealt with by the Bank are Options, Currency Swaps and Currency Futures. Based on RBI guidelines, Derivatives are valued as under:

� [�^� <�� ?�'�� ?�� ["�� "��?^� ��are recorded separately.

� [#^� |��"�'�!�� ?��?� �� accounted on accrual basis.

(c) Forex forward contracts are marked to market and the resultant gains and losses are recognized in the ��;

(d) Interest Rate Derivatives and currency derivatives other than exchange traded derivatives for trading purpose are marked to market and the resulting �� ?�� ;�}�� ?��;

(e) Exchange Traded Derivatives entered into for trading purposes are valued at prevailing market rates based on rates given by the Exchange and the resultant gains and losses are recognized in the ��;

� [�^� ��'�� "�� ?� �+�� "�� "�'�!��;��?��'��"��?��?�swaps are deferred and recognised over the shorter of the remaining contractual life of the swap or the ��"��?��?��'��#��;

� [?^� %�� '��"��"� �� "�� the option contract.

59


9. De®eue Deeeqmle³eeb (keÀ) De®eue Deeeqmle³eeW keÀes hejbhejeiele ueeiele ceW yelee³ee peelee nw,

efmeJee³e hegvecet&u³eebefkeÀle Deeeqmle³eeW kesÀ ceeceueeW kesÀ efpevnW hegvecet&u³eve jkeÀce hej yelee³ee peelee nw ~ hegvecet&u³eebkeÀve mes Je=ef× keÀes hegvecet&u³eebkeÀve Deejef#ele efveefOe ceW pecee efkeÀ³ee peelee nw~

(Ke) ueeiele ceW Kejero keÀer ueeiele leLee Deeeqmle kesÀ Ghe³eesie kesÀ henues peien keÀer lew³eejer, mebmLeehevee ueeiele, J³eeJemeeef³ekeÀ MegukeÀ Fl³eeefo pewmes efkeÀS ieS meYeer J³e³e Meeefceue nQ~ Ghe³eesie efkeÀS pee jns Deeeqmle³eeW hej efkeÀS ieS GÊejJeleea J³e³e keÀes kesÀJeue leYeer hetbpeerke=Àle efkeÀ³ee peeSiee peye Ssmes Deeeqmle³eeW mes DeLeJee GvekeÀer keÀe³ee&lcekeÀ #ecelee mes YeefJe<³e ceW ueeYe ceW Je=ef× nesleer nw~

(ie) heefjmej keÀer ueeiele ceW mJe³eb keÀer SJeb heÆeOeejer Yetefce keÀer ueeiele oesveeW Meeefceue nQ~

10 . De®eue Deeeqmle³eeW hej cetu³eÛeme : keÀ. Deeeqmle³eeW hej cetu³eÛeme (hegvecet&u³eebefkeÀle Deeeqmle³eeW keÀes efceueekeÀj)

yeQkeÀ Üeje efveOee&efjle ojeW hej cetu³eÛeefmele yener cetu³e hej heÝeeefjle efkeÀ³ee ie³ee nw, keÀch³etìjeW keÀes íesæ[keÀj~ keÀch³etìjeW hej Yeejleer³e efj]peJe& yeQkeÀ Üeje efveOee&efjle oj mes meerOes jsKee he×efle mes cetu³eÛeme ueiee³ee peelee nw~

Ke. FmeceW heefjJeOe&ve keÀe hetCe& Je<e& kesÀ efueS heéJeOeeve efkeÀ³ee peelee nw leLee FmeceW Deeeqmle kesÀ Ghe³eesie keÀjves keÀer leejerKe keÀes O³eeve ceW veneR jKee peelee nw, peyeefkeÀ efkeÀmeer Deeeqmle keÀer Kejero/efveheìeve kesÀ Je<e& ceW cetu³eÛeme nsleg heéJeOeeve veneR efkeÀ³ee peelee nw~

ie. Deeeqmle³eeW kesÀ hegvecet&u³eebefkeÀle DebMe hej cetu³eÛeme keÀes hegvecet&u³eve Deejef#ele kesÀ efveefceÊe mecee³eesefpele efkeÀ³ee peelee nw~

Ie. pene@b Yetefce Deewj YeJeve keÀer ueeiele Deueie-Deueie veneR keÀer pee mekeÀleer nw, mebhetCe& ueeiele hej cetu³eÛeme keÀe heéJeOeeve, YeJeve hej ueeiet oj hej efkeÀ³ee peelee nw~

[. heÆeOeeefjle Yetefce hej heóÊe heérefce³ece, heÆs keÀer DeJeefOe nsleg

heefjMeesefOele keÀer peeleer nw~

®e. Iejsuet heefj®eeueve kesÀ mebyebOe ceW Deeeqmle³eeW hej cetu³e Ûeme kesÀ efueS

efvecveevegmeej heéJeOeeve efkeÀ³ee ie³ee nw :

'�� %!�"#��"��

(a) Fixed assets are stated at historic cost, except in the case of assets which have been revalued, which is stated at revalued amount. The appreciation on revaluation is credited to Revaluation Reserve.

(b) Cost includes cost of purchase and all expenditure such as site preparation, installation costs, professional fees etc. incurred on the asset before it is put to use. Subsequent expenditure incurred on assets put to use is capitalised only when it ��#��"��or their functioning capability.

(c) Cost of premises includes cost of land, both freehold and leasehold.

�� #"�|"�!��!��%!�"#��"��

a. Depreciation on assets is charged on the Written ]�+�� ~�� "�� #�� except in respect of computers where it is calculated �� j��?�� #��by RBI.

b. In respect of additions, depreciation is provided for the full year, irrespective of the date on which the assets were put to use whereas, depreciation is not ��'��;

c. Depreciation on the revalued portion of assets is ��?��;

d. Where the cost of land and building cannot be separately ascertained, depreciation is provided on the composite cost, at the rate applicable to buildings.

e. Premium paid on leasehold land is amortised over the period of lease.

f. Depreciation on assets in respect of domestic operations are provided as under:

ke´À. meb. efJeJejCe ��+�

Particulars Rate of #�^��+,

1. Heefjmej 1. Premises 5.00%

2. Dev³e De®eue Deeeqmle³eeb 2. %��_�!��

keÀ HeÀveea®ej, efHeÀkeÌme®ej, FuesefkeÌì^keÀue efHeÀefìbie SJeb GHekeÀjCe a. _��_�!��=��?��=*��"�� 10.00%

Ke S³ej kebÀef[Meefvebie Hueebì Fl³eeefo SJeb keÀejesyeej ceMeerveW b. ��>��?��;��#��"��;� 15.00%

ie ceesìj keÀej, Jewve SJeb ceesìj meeFefkeÀueW c. ��~�� 20.00%

Ie keÀcH³etìj leLee keÀcH³etìj meeHeÌìJe³esj pees ne[&Jes³ej keÀe DebieYetle Yeeie nw ~

d. Computers and Computer Software forming integral part of hardware.

33.33%

* keÀcH³etìj meeHeÌìJe³esj pees ne[&Jes³ej keÀe DebieYetle Yeeie veneR nw ~ e. Computer Software, not forming integral part of hardware

100.00%

60


í. Yeejle kesÀ yeenj De®eue Deeeqmle³eeW hej cetu³eÛeme keÀe heéJeOeeve efJeefve³eecekeÀ keÀer DeeJeM³ekeÀleeDeeW/DeLeJee mebyebefOele osMeeW/GÐece ceW he´®eefuele he×efle³eeW kesÀ Devegmeej efkeÀ³ee ie³ee nw~

11. efJeosMeer cegêe efJeefvece³e mes mebye× mebJ³eJenej :

efJeosMeer cegêe Jeeues mebJ³eJenejeW keÀe uesKeebkeÀve, uesKeeceevekeÀ (SSme)11 `èfJeosMeer efJeefvece³e ojeW ceW heÝeeJeer heefjJele&ve’ kesÀ Deveg©he efkeÀ³ee ie³ee nw~

keÀ) meceekeÀefuele efJeosMeer heefj®eeueveeW kesÀ mebyebOe ceW mheäerkeÀjCe : Yeejleer³e MeeKeeDeeW kesÀ efJeosMeer cegêe ceW mebJ³eJenejeW keÀe JeieeakeÀjCe meceekeÀefuele efJeosMeer heefj®eeueve kesÀ ªhe ceW efkeÀ³ee ie³ee nw Deewj Ssmes heefj®eeueve kesÀ efJeosMeer cegêe ceW mebJ³eJenejeW keÀes efvecveevegmeej mheä efkeÀ³ee ie³ee nw:

i) efJeosMeer cegêe ceW mebJ³eJenejeW keÀes efjheese\ìie cegêe ceW DeejbefYekeÀ ceev³elee hej efjkeÀe[& efkeÀ³ee peelee nw pees Yeejleer³e efJeosMeer cegêe J³eeheejer mebIe (HesÀ[eF&) Üeje metef®ele meehleeefnkeÀ Deewmele keÌueeseEpeie oj hej efjheese\ìie cegêe Deewj efJeosMeer cegêe kesÀ yeer®e efJeefvece³e oj keÀes efJeosMeer cegêe jkeÀce hej ueiee³ee peelee nw~

ii) efJeosMeer cegêe ceewefêkeÀ ceoW HesÀ[eF& kesÀ keÌueeseEpeie mhee@ì ojeW keÀe he´³eesie keÀj efjheesì& keÀer peeleer nQ~

iii) efJeosMeer cegêe iewj-ceewefêkeÀ ceoW pees hejchejeiele ueeiele kesÀ Devegmeej keÀer peeleer nQ GvnW mebJ³eJenej keÀer leejerKe ceW efJeefvece³e oj keÀe he´³eesie keÀjles ngS efjheesì& keÀer peeleer nQ~

iv) efJeosMeer cegêe ceW jKes ieS DeekeÀeqmcekeÀ os³eleeDeeW keÀes HesÀ[eF& kesÀ keÌueeseEpeie mhee@ì ojeW keÀe he´³eesie keÀj efjheesì& efkeÀ³ee peelee nw~

v) yekeÀe³ee efJeosMeer cegêe mhee@ì Deewj keÀejesyeej kesÀ efueS Oeeefjle Jee³eoe mebefJeoe keÀe efveOee&efjle heefjhekeÌJelee kesÀ efueS HesÀ[eF& Üeje DeefOemetef®ele efJeefvece³e ojeW hej hegvecet&u³eebkeÀve efkeÀ³ee peelee nw Deewj heefjCeecele: ueeYe DeLeJee neefve keÀes ueeYe Deewj neefve Keeles ceW ceev³elee oer peeleer nw~

vi) keÀejesyeej nsleg yekeÀe³ee efJeosMeer cegêe Jee³eoe mebefJeoe keÀe keÌueeseEpeie mhee@ì oj hej cetu³eebkeÀve efkeÀ³ee peelee nw~ Ssmes Jee³eoe efJeefvece³e mebefJeoe kesÀ DeejbYe ceW GlheVe heérefce³ece DeLeJee yeÆs keÀes mebefJeoe kesÀ peerJevekeÀeue ceW J³e³e DeLeJee Dee³e kesÀ ªhe ceW heefjMeesefOele efkeÀ³ee peeSiee~

vii) ceewefêkeÀ ceoeW kesÀ efveheìeve ceW DeejbYe ceW efjkeÀe[& efkeÀS ieS ojeW mes efYeVe ojeW kesÀ efueS GlheVe efJeefvece³e Deblej keÀes Gme DeJeefOe kesÀ efueS Dee³e kesÀ ªhe ceW DeLeJee J³e³e kesÀ ªhe ceW ceevee peeSiee efpeme mece³e ³en GlheVe ngF&~

viii) cegêe Jeeoe yeepeej ceW Kegueer eqmLeefle kesÀ efJeefvece³e oj ceW heefjJele&ve kesÀ keÀejCe heéeqhle/neefve keÀe efveheìeve owefvekeÀ DeeOeej hej efJeefvece³e meceeMeesOeve ie=n ceW efkeÀ³ee peelee nw Deewj Ssmeer heéeqhle/neefve keÀes ueeYe SJeb neefve Keeles ceW ceev³e efkeÀ³ee peelee nw~

� ?;� ]�� !�� |�� provided based on the estimated useful life determined by each centre.

�� |��!��!�$��$!��%�|"!��"��"�� Transactions involving foreign exchange are accounted

�� +�� j� �� <�� =�� \��?�� Foreign Exchange Rates”.

� �{� ��,�@��+,� �,� ��^�� +�� !,��@� %+��,�+^��+,��

Foreign currency transactions of Indian branches �� #�� ?�� ?�� and foreign currency transactions of such operations are translated as under:

i) Foreign currency transactions are recorded on initial recognition in the reporting currency by applying to the foreign currency amount the exchange rate between the reporting currency and the foreign currency on the daily closing �� #�� "� \�?��'��page.

ii) Foreign currency monetary items are reported ��?��_=]�|��?��;

iii) Foreign currency non-monetary items, which are carried in terms of historical cost, are reported using the exchange rate at the date of the transaction.

iv) Contingent liabilities denominated in foreign ��?��_=]�|��?�spot rates.

v) Outstanding foreign exchange spot and forward contracts held for trading are revalued �� !��?�� #�� _=]�|� �� "�� ?� �� ?�� account.

vi) Outstanding Foreign exchange forward contracts which are not intended for trading are valued at the closing spot rate. The premium or discount arising at the inception of such a forward exchange contract is amortised as expense or income over the life of the contract.

vii) Exchange differences arising on the settlement of monetary items at rates different from those at which they were initially recorded are recognised as income or as expense in the period in which they arise.

� � ��^� ��'�� ?�� exchange rates of open position in currency futures trades are settled with the exchange ��?��#��?��'�� ?�� account.

61


Ke) meceekeÀueve jefnle efJeosMeer heefj®eeueveeW kesÀ mebyebOe ceW mheäerkeÀjCe: efJeosMeer MeeKeeDeeW kesÀ efJeosMeer cegêe ceW mebJ³eJenej keÀes DeebleefjkeÀ efJeosMeer heefj®eeueveeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw Deewj GvekesÀ efJeÊeer³e efJeJejCehe$eeW keÀes efvecveevegmeej mheä efkeÀ³ee peelee nw:

Deeeqmle³eeW SJeb os³eleeDeeW (ceewefêkeÀ Deewj iewj-ceewefêkeÀ kesÀ meeLe meeLe DeekeÀeqmcekeÀ os³eleeDeeW) keÀes Je<e& keÀer meceeeqhle hej Yeejleer³e efJeosMeer cegêe J³eeheejer mebIe (HesÀ[eF&) Üeje DeefOemetef®ele keÌueeseEpeie ojeW kesÀ DeeOeej hej DeebkeÀe/mheä efkeÀ³ee peelee nw~

i) Dee³e Deewj J³e³eeW keÀes mebyebefOele efleceener keÀer meceeeqhle hej HesÀ[eF& Üeje metef®ele efleceener Deewmeleve keÌueeseEpeie oj hej mheä efkeÀ³ee peelee nw~

ii) meYeer heefjCeeceer efJeefvece³e DeblejeW keÀes mebyebefOele efJeosMeer MeeKeeDeeW ceW efveJeue efveJesMeeW kesÀ efveheìeve lekeÀ SkeÀ Deueie Keeles ’efJeosMeer cegêe mheäerkeÀjCe efjpeJe&’ ceW mebef®ele efkeÀ³ee peelee nw~

iii) efJeosMeer keÀe³ee&ue³eeW kesÀ efJeosMeer cegêe ceW Deeeqmle³eeb Deewj os³eleeSb (efJeosMeer keÀe³ee&ue³eeW kesÀ mLeeveer³e cegêe keÀes íesæ[keÀj) keÀes Gme osMe ceW ueeiet mhee@ì ojeW keÀe he´³eesie keÀjles ngS mLeeveer³e cegêe ceW DeebkeÀe peelee nw~

12. keÀce&®eejer ueeYe:

�� DeuheeJeefOe keÀce&®eejer ueeYe:

DeuheeJeefOe keÀce&®eejer ueeYeeW keÀer Deveef[mkeÀeGvìs[ jkeÀce pewmes cesef[keÀue ueeYe Deeefo, efpevekeÀe Yegieleeve keÀce&®eejer Üeje heóeve keÀer ieF& mesJeeDeeW kesÀ yeoues efkeÀ³ee peelee nw, Fmes keÀce&®eejer Üeje oer pee jner mesJee keÀer DeJeefOe kesÀ oewjeve ner ceev³elee oer peeSieer~

�� efve³eespeve kesÀ he½eele ueeYe:

keÀ. heefjefveeq½ele ueeYe ³eespevee

keÀ. Gheoeve (ie´w®³egìer)

yeQkeÀ meYeer hee$e keÀce&®eeefj³eeW keÀes ie´w®³egìer heóeve keÀjlee nw~ ³en ueeYe efveefnle keÀce&®eeefj³eeW keÀes mesJeeefveJe=efÊe hej, efve³eespeve kesÀ oewjeve ce=l³eg hej, DeLeJee efve³eespeve keÀer meceeeqhle hej SkeÀ cegMle Yegieleeve kesÀ ªhe ceW oer peeleer nw~ ³en jeefMe he´l³eskeÀ hetCe& efkeÀS ieS mesJee Je<e& kesÀ efueS os³e 15 efoveeW kesÀ yesefmekeÀ Jesleve kesÀ mecelegu³e nw pees Gheoeve meboe³e DeefOeefve³ece 1972 DeLeJee yeerDeesDeeF& (keÀce&®eejer) Gheoeve efJeefve³ece ceW efveOee&efjle DeefOekeÀlece jeefMe ceW pees Yeer DeefOekeÀ nes, kesÀ DeOeerve nw~ heeb®e Je<eeX keÀer mesJee hetCe& nesves hej JeseÅmìie neslee nw~ yeQkeÀ efveefOe ceW DeeJeefOekeÀ DebMeoeve keÀjlee nw efpemekeÀe heýebOeve ì^mì Üeje efkeÀ³ee peelee nw pees Jeee|<ekeÀ ªhe ceW SkeÀ mJeleb$e yee¿e yeerceebefkeÀkeÀ cetu³eebkeÀve hej DeeOeeefjle nw~

� �{� ��,�@��+,� �,� ��^�� +�� +,*!,��@� %+��,�+^��+,��

Transactions and balances of foreign branches are �� >��?�� ?�� "��+�{

� � �^� �� #�� ["�� >monetary as well as contingent liabilities) �� ?� �� #��_=]�|;

ii) Income and expenses are translated at the *�� ?�� ?� �� #��_=]�|;

� � ��^� �� ?� �!��?�� accumulated in a separate account ‘Foreign Currency Translation Reserve’ till the disposal of the net investments by the bank in the respective foreign branches.

iv) <��#��?��?��currency (other than local currency of the foreign ��^�� ?��rates applicable to that country.

�~�� "��&""��"�"%!��

� �� +��]�"]^@+_��,�� The undiscounted amount of short-term employee

#�� "�� #�� ;� +�� expected to be paid in exchange for the services rendered by employees are recognised during the period when the employee renders the service.

� �� +��"]^@+_]�,��,��

� � �� #�,��,��@�,

� � � �{� ��/��_ The Bank provides gratuity to all

��?�#�� "��;� <�� #�� in the form of lump sum payments to vested employees on retirement, on death while in employment, or on termination of employment, for an amount equivalent to 15 days basic salary payable for each completed �� #�� "�!�"�"�prescribed as per The Payment of �� %|� [="��^�Gratuity Regulation, whichever is higher. ~��?� �� "�� ;� <�� makes periodic contributions to a fund administered by trustees based on an independent external actuarial valuation carried out annually.

62


Ke. heWMeve

yeQkeÀ meYeer hee$e keÀce&®eeefj³eeW keÀes heWMeve oslee nw~ efve³ece kesÀ Devegmeej ³en ueeYe ceeefmekeÀ Yegieleeve kesÀ ªhe ceW neslee nw Deewj efveefnle keÀce&®eeefj³eeW keÀes mesJeeefveJe=efÊe hej, efve³eespeve kesÀ oewjeve ce=l³eg hej, DeLeJee efve³eespeve keÀer meceeeqhle hej Yegieleeve efkeÀ³ee peelee nw~efve³eceeW kesÀ Devegmeej JeseÅmìie efJeefYeVe mlejeW hej nesleer nw~ yeerDeesDeeF& (keÀce&®eejer) heWMeve efJeefve³eceve kesÀ Devegmeej yeQkeÀ heWMeve efveefOe ceW Jesleve keÀe 10% ceeefmekeÀ DebMeoeve keÀjlee nw~ heWMeve keÀer os³elee mJeleb$e yeerceebefkeÀkeÀ cetu³eebkeÀve hej DeeOeeefjle nw pees Jeee|<ekeÀ ªhe ceW keÀer peeleer nw Deewj heWMeve efJeefve³eceve kesÀ lenle Yegieleeve kesÀ ueeYeeW keÀes megjef#ele jKeves kesÀ efueS DeeJeM³ekeÀlee heæ[ves hej efveefOe ceW yeQkeÀ Üeje Ssmes DeefleefjÊeÀ DebMeoeve efkeÀS peeles nQ~

Ke. heefjefveeq½ele DebMeoeve ³eespevee: keÀ. YeefJe<³e efveefOe

yeQkeÀ SkeÀ YeefJe<³e efveefOe ³eespevee ®eueeleer nw~ meYeer hee$e keÀce&®eeefj³eeW keÀes yeQkeÀ kesÀ YeefJe<³e efveefOe ³eespevee kesÀ lenle ueeYe heeves keÀe nkeÀ nw~ yeQkeÀ SkeÀ efveOee&efjle oj (Jele&ceeve ceW keÀce&®eejer kesÀ yesefmekeÀ Jesleve kesÀ 10% kesÀ meeLe hee$e YeÊes) hej ceeefmekeÀ DebMeoeve keÀjleer nw~ ³en DebMeoeve Fme GÎsM³e mes mLeeefhele v³eeme keÀes he´sef<ele efkeÀ³ee peelee nw Deewj Fmes ueeYe leLee neefve Keeles ceW heÝeeefjle efkeÀ³ee peelee nw Deewj Fmes ueeYe leLee neefve Keeles ceW heÝeeefjle efkeÀ³ee peelee nw~ yeQkeÀ Ssmes Jeee|<ekeÀ DebMeoeveeW keÀes Gme mebyebefOele Je<e& kesÀ J³e³e kesÀ ªhe ceW ceev³elee oslee nw~

Ke. heWMeve

efoveebkeÀ 01 Dehe´wue, 2010 mes yeQkeÀ ceW Yeleea ngS meYeer keÀce&®eejer DebMeoe³eer heWMeve kesÀ hee$e nQ~ Ssmes keÀce&®eejer heWMeve ³eespevee ceW heefjefveeq½ele oj hej ceeefmekeÀ DebMeoeve keÀjles nQ~ GÊeÀ heWMeve ³eespevee ceW yeQkeÀ Yeer heefjefveeq½ele oj hej ceeefmekeÀ DebMeoeve keÀjlee nw~ Ssmeer ³eespevee ceW ngS J³e³e keÀes mebyebefOele Je<e& kesÀ J³e³e kesÀ ªhe ceW ceev³elee oslee nw~ ³en DebMeoeve jeäêr³e heWMeve efmemìce v³eeme keÀes Debleefjle efkeÀ³ee peelee nw~ yeQkeÀ keÀe oeef³elJe Ssmes heefjefve½ele DebMeoeve lekeÀ meerefcele nw~

� �� Dev³e oerIe&keÀeefuekeÀ keÀce&®eejer ueeYe:

keÀ . ígÆer vekeÀoerkeÀjCe ueeYe pees heefjefveeq½ele ueeYe oeef³elJe nw, SSme 15 - keÀce&®eejer ueeYe kesÀ Devegªhe yeerceebefkeÀle cetu³eebkeÀve kesÀ DeeOeej hej GheueyOe keÀjJee³ee peelee nw~

Ke . Dev³e keÀce&®eejer ueeYe pewmes ígÆer efkeÀje³ee efj³ee³ele, ceeFuemìesve SJee[&, hegvemLee&hevee ueeYe, DeekeÀeqmcekeÀ ueeYe Fl³eeefo heefjefveeq½ele ueeYe oeef³elJe nw pees SSme 15 - keÀce&®eejer ueeYe kesÀ Devegªhe yeerceebefkeÀle cetu³eebkeÀve kesÀ DeeOeej hej GheueyOe keÀjJee³ee peelee nw~

� � �{� ��,��+, The Bank provides pension to all eligible

�"��;� <�� #�� "� ��monthly payments as per rules and payments to vested employees on retirement, on death while in employment, or on termination of �"��"��;� ~��?� �� stages as per rules. The Bank makes monthly contribution to the pension fund at 10% of pay in terms of BOI (Employees) Pension regulations. The pension liability is reckoned based on an independent actuarial valuation carried out annually and Bank makes such additional contributions periodically to the Fund as may be required to secure payment ��#��?��;

� �� #�,��+,��/��+,��@�,�

� � �� +��,��%/,� The Bank operates a Provident Fund scheme.

�� ?�#�� "�� #�� _��scheme. The Bank contributes monthly at a determined rate (currently 10% of employee’s basic pay plus eligible allowance). These contributions are remitted to a trust established for this purpose and are charged �� ;� <�� #��recognises such annual contributions as an expense in the year to which it relates.

� � �� ,��+,� � � �� ="�� #�� +��

�� "� �� ?�#�� contributory pension. Such employees contribute monthly at a predetermined rate to the pension scheme. The bank also contributes monthly at a predetermined rate to the said pension scheme. Bank recognises its contribution to such scheme as expenses in the year to which it relates. The contributions are remitted to National Pension System Trust. The obligation of bank is limited to such predetermined contribution.

� �� +,��]�"]^@+_��,�� ^� ��"��#��+��

#��#��?�� #��of an actuarial valuation in accordance with �j��>�="��;

� � #^� %�� "�� #�� _��Concession, Milestone award, resettlement #�� ;� +�� #�� #��?�� basis of an actuarial valuation in accordance +��j��>�="��;

63


ie. efJeosMeer MeeKeeDeeW Deewj keÀe³ee&ue³eeW kesÀ mebyebOe ceW, pees DeefOekeÀejer Heéfleefve³egefkeÌle Hej veneR nQ GvekesÀ DeueeJee kesÀ keÀce&®eeefj³eeW kesÀ ueeYe keÀes cenlJe efo³ee peelee nw Deewj mebyebefOele HeósMe ceW He´®eefuele keÀevetve kesÀ Devegmeej HeefjkeÀefuele efkeÀ³ee peelee nw~

13. heéfle Mes³ej Depe&ve : keÀ. SSme 20 `’Depe&ve heéfle Mes³ej’’ kesÀ Devegmeej heéfle FeqkeÌJeìer Mes³ej

yesefmekeÀ SJeb [e³eu³etìs[ Depe&ve keÀer efjheesì& keÀer peeleer nw~ heéfle FeqkeÌJeìer Mes³ej cetue Depe&ve keÀer Gme DeJeefOe kesÀ oewjeve yekeÀe³ee FeqkeÌJeìer Mes³ej keÀer Yeeefjle Deewmele mebK³ee Üeje efveJeue mes Yeeie keÀj ieCevee keÀer peeleer nw~

Ke. heéfle FeqkeÌJeìer Mes³ej [e³eu³etìs[ Dee³e keÀer FeqkeÌJeìer Mes³ejeW keÀer Yeeefjle Deewmele mebK³ee SJeb DeJeefOe kesÀ oewjeve yekeÀe³ee lejue mebYeeJ³e FeqkeÌJeìer Mes³ejeW keÀes Ghe³eesie ceW ueskeÀj ieCevee keÀer peeleer nw~

14. Dee³e hej keÀj : keÀ. SSme-22 ``Dee³e hej keÀjeW kesÀ efueS uesKeebkeÀve’’ kesÀ Devegªhe Dee³ekeÀj

ceW Je<e& kesÀ oewjeve ®eeuet keÀj heéJeOeeve Deewj Deeeqmle³eeW ³ee os³eleeDeeW hej DeemLeefiele keÀj ceW Meg× heefjJele&ve Meeefceue nw~ ®eeuet keÀjeW keÀe efveOee&jCe uesKeebkeÀve ceevekeÀ 22 kesÀ heéJeOeeve Deewj efJeosMeer keÀe³ee&ue³e kesÀ keÀjeW keÀe uesKee uesles ngS Yeejle ceW ueeiet keÀj keÀevetveeW hej efkeÀ³ee peelee nQ pees mebyebefOele DeefOekeÀej #es$e kesÀ keÀj keÀevetveeW hej DeeOeeefjle nw~ DeemLeefiele keÀj mecee³eespeve ceW DeJeefOe kesÀ oewjeve DeemLeefiele keÀj Deeeqmle³eeW Deewj os³eleeDeeW ceW heefjJele&ve Meeefceue nw~

Ke. Dee³e leLee J³e³e keÀer ceoW pees SkeÀ mece³e Deeleer nw Deewj pees hejJeleea SkeÀ ³ee DeefOekeÀ Je<eeX ceW efjJeme&ue keÀer pee mekeÀleer nw kesÀ mebyebOe ceW DeemLeefiele keÀj kesÀ efueS efJeJeskeÀhetCe& efJe®eej keÀjves kesÀ DeO³eOeerve ceev³elee nw~

ie. DeemLeefiele keÀj Deeeqmle³eeW Deewj os³eleeDeeW keÀe ceeheve leguevehe$e keÀer efleefLe hej ³ee yeeo ceW ueeiet efkeÀS ieS keÀj ojeW Deewj keÀj keÀevetveeW hej efkeÀ³ee peelee nw~

Ie. DeemLeefiele keÀj Deeeqmle³eeW keÀes he´l³eskeÀ efjheese\ìie efleefLe ceW ceev³elee oer peeleer nw Deewj hegvecet&u³eebkeÀve efkeÀ³ee peelee nw pees Jemetueer keÀes mecegef®ele ªhe mes efveeq½ele ceeves peeves nsleg heýebOeve keÀer je³e hej DeeOeeefjle nw~ DeemLeefiele keÀj Deeeqmle³eeW keÀes Deeies ueeS ieS DeveeJeMeesef<ele cetu³eËeme Deewj keÀj neefve³eeW hej kesÀJeue leYeer ceev³elee oer peeleer nw peye ³en hetCe&le: efveeq½ele nes efkeÀ DeemLeefiele keÀj Deeeqmle³eeW keÀer YeefJe<³e ueeYe mes Jemetueer nes mekeÀleer nw~

15. Deeeqmle³eeW keÀe Ûeme eqmLej Deeeqmle³eeW (hegvecet&equ³ele Deeeqmle³eeW meefnle) hej Ëeefmele neefve ³eefo keÀesF& nes keÀes

SSme 28 kesÀ Deeeqmle³eeW keÀe Ëeme Devegªhe ueeYe Deewj neefve Keeles ceW heÝeeefjle keÀer peeleer nw~ leLeeefhe hegvecet&equ³ele Deeeqmle hej Ëeefmele neefve keÀes meerOes Deeeqmle kesÀ efueS efkeÀmeer hegvecet&u³eve DeefOeMes<e hej ceev³elee Gme no lekeÀ nw peneb lekeÀ SkeÀ ner Deeeqmle kesÀ hegvecet&u³eve DeefOeMes<e ceW jKeer ie³eer jkeÀce Ëeefmele neefve mes DeefOekeÀ ve nes~

16. heéJeOeeve, DeekeÀeqmcekeÀ os³eleeSb SJeb DeekeÀeqmcekeÀ Deeeqmle³eeb : SSme 29 ``heéJeOeeve, DeekeÀeqmcekeÀ os³eleeSb SJeb DeekeÀeqmcekeÀ Deeeqmle³eeb’’ kesÀ

Devegmeej cetue yeQkeÀ heéJeOeeveeW keÀes Yeer ceev³elee oslee nw~ peye efheíueer IeìveeDeeW kesÀ heefjCeecemJeªhe Jele&ceeve hej keÀesF& oeef³elJe nes, ³en mebYeeJ³e nw efkeÀ Deee|LekeÀ ueeYeeW keÀes meceeefJeä keÀjles ngS mebmeeOeveeW keÀe yeefnie&ceveeW keÀer oeef³elJeeW keÀes efveheìeve keÀjves kesÀ efueS DeeJeM³ekeÀlee heæ[sieer Deewj peye oeef³elJe keÀer jeefMe keÀe efJeéemeveer³e Devegceeve efkeÀ³ee pee mekeÀlee nes~

� � �^� |�� #�� #�� "�� than those on deputation are valued and accounted for as per laws prevailing in the respective territories.

�� "�|�!��"|��|"� a) Basic and Diluted earnings per equity share are

�� +�� j� �� =��?��per share”. Basic earnings per equity share �� "�� #�� ?� �� !� #��the weighted average number of equity shares outstanding during the period.

b) Diluted earnings per equity share are computed using the weighted average number of equity shares and dilutive potential equity shares outstanding at the end of the period.

�� "��!��"� a) Income Tax comprises the current tax provision and

net change in deferred tax assets or liabilities during �� +�� j� �� ¬��?� ��Taxes on Income”. Current taxes are determined �� +�� ?�Standard 22 and tax laws prevailing in India after ��?� �� !�� ?�� +�� #�� !� ��+�� ;�]�� !��"��"��?�� deferred tax assets or liabilities during the period.

� #^� ]��<�!��?��#��prudence in respect of items of income and expenses those arise at one point of time and are capable of reversal in one or more subsequent years.

c) Deferred tax assets and liabilities are measured using the tax rates and tax laws that have been enacted or substantively enacted by the balance sheet date.

d) Deferred tax assets are recognised and reassessed at each reporting date, based upon management’s ��?�"�� +�� reasonably certain. Deferred tax assets are recognised on carry forward of unabsorbed depreciation and tax losses, only if there is virtual certainty that such deferred tax assets can be ��?��;

�� !��!|�"��%��"�� |"��"�� _�!�� [��?�

��^��?��?�� +�� j� �� |"��"�� ;�$�+�� "��"�� is recognised directly against any revaluation surplus for the asset to the extent that the impairment loss does not exceed the amount held in the revaluation surplus for that same asset.

�� |�$!�!�� !��"�� !��!�!"�� #��!��"��"��

� �� j� �� \��?�� #�� \��?�� ?�� when it has a present obligation as a result of a past event �� #�#�� +�� "#��?��"�� #�� +�� #�� *�� #��?��and when a reliable estimate of the amount of the obligation can be made.

64


peye lekeÀ efkeÀ Deee|LekeÀ ueeYeeW keÀes meceeefJeä keÀjles ngS mebmeeOeveeW kesÀ yeefnie&ceve keÀer

mebYeeJevee keÀce ve nes, DeekeÀeqmcekeÀ os³eleeDeeW keÀe he´keÀìve efkeÀ³ee peelee nw~

efJeÊeer³e efJeJejefCe³eeW ceW DeekeÀeqmcekeÀ Deeeqmle³eeW keÀes ceev³e veneR efkeÀ³ee peelee nw

keÌ³eeWefkeÀ FmekesÀ heefjCeecemJeªhe Dee³e efveOee&jCe keÀer yeele Dee mekeÀleer nw peyeefkeÀ Jen

keÀYeer Yeer Jemetue veneR nes heeleer~

17. Mes³ej peejer keÀjves nsleg J³e³e:

efpeme Je<e& ceW Mes³ej peejer keÀer peeleer nw, Mes³ej peejer keÀjves kesÀ J³e³e keÀes ueeYe leLee

neefve Keeles ceW he´Yeeefjle efkeÀ³ee peelee nw~

mecesefkeÀle efJeÊeer³e efJeJejCe mes mebyebefOele uesKeeiele veerefle

1. meceskeÀve keÀe DeeOeej:

1. mecetn kesÀ mecesefkeÀle efJeÊeer³e efJeJejCe efvecve DeeOeej hej lew³eej efkeÀS ieS

nQ: yeQkeÀ Dee@]HeÀ Fbef[³ee (cetue yeQkeÀ) SJeb GmekeÀer Deveg<ebefie³eeW kesÀ efJeÊeer³e

efJeJejCe Yeejleer³e meveoer uesKeekeÀej mebmLeeve (DeeF&meerSDeeF&) Üeje peejer

efkeÀS ieS uesKeeiele ceevekeÀ (SSme) 21 mecesefkeÀle efJeÊeer³e efJeJejCe kesÀ

Devegmeej lew³eej efkeÀS peeles nQ~ Ssmee hebefÊeÀ oj hebefÊeÀ DeeOeej hej efkeÀ³ee

peelee nw Deewj GvekesÀ meeLe Ssmeer ceoW pewmes Deeeqmle³eeb, os³eleeSb, Dee³e Deewj

J³e³e peesæ[ oer peeleer nQ Deewj Devlej ie´ghe mebJ³eJenejeW, Mes<e jeefMe efyevee

Jemetues ie³es ueeYe/neefve keÀes GmeceW mes efvekeÀeue efo³ee peelee nw Deewj FmekesÀ

meeLe-meeLe Ssmes DeeJeM³ekeÀ mecee³eespeve Yeer efkeÀS peeles nQ, pees uesKeeiele

veerefle kesÀ Deveg©he GvnW yeveeves kesÀ efueS DeeJeM³ekeÀ neW~

2. Deveg<ebefie³eeW ceW efveJesMe keÀer cetue ueeiele Deewj Deveg<ebefie³eeW ceW FeqkeÌJeìer kesÀ

cetue efnmmes kesÀ yeer®e kesÀ Deblej keÀes meeKe/Deejef#ele hetbpeer kesÀ ©he ceW

ceev³elee oer peeleer nw ³eefo keÀesF& meeKe nw lees FmekeÀer ceev³elee he´ehle nesves hej

legjble yeÆs Keeles [eue oer peeleer nw~

3. mecesefkeÀle efJeÊeer³e efJeJejCe he$e ceW DeuhemebK³ekeÀ efnle Deveg<ebefie³eeW keÀer

efveJeue FeqkeÌJeìer ceW DeuhemebK³ekeÀ Mes³ejOeejkeÀeW kesÀ Mes³ej kesÀ ©he ceW nw~

4. mene³ekeÀ keÀcheefve³eeW ceW efveJesMe keÀe uesKeebkeÀve Yeejleer³e meveoer uesKeekeÀej

mebmLeeve (DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀ (SSme) 23,

mecesefkeÀle efJeÊeer³e efJeJejCehe$eeW ceW mene³ekeÀ keÀcheefve³eeW ceW efveJesMe keÀe

uesKeebkeÀve kesÀ Devegmeej FeqkeÌJeìer lejerkesÀ kesÀ lenle efkeÀ³ee ie³ee nw~

5. meb³egÊeÀ GÐece ceW efveJesMeeW keÀe uesKeebkeÀve Yeejleer³e meveoer uesKeekeÀej mebmLeeve

(DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀ (SSme) 27, meb³egÊeÀ GÐeceeW

ceW efnleeW keÀer efJeÊeer³e efjheese\ìie ceW efJeefnle efkeÀS ieS Devegmeej meceevegheele

DeeOeej hej mecesefkeÀle nw~

Contingent liability is disclosed unless the possibility of an ��+��"#��?��"��#��"��;

� \��?�� ?�� statements since this may result in the recognition of income that may never be realised.

�� |"�!��"�"��"��"�� j�� !�� ?��

��;

� �+/,��,�� ^+@�_� ��@��,�� +� +,�+@�� ,�,��@�Statement

� �{� ��!��%��!#��!�� \��"�� ?��

been prepared on the basis of:

� � ;� <�� "�� |��(the Parent bank) and its subsidiaries in ��+��?�j��[�j^��“Consolidated Financial Statements” issued #�� |�� \�� |�� [|\�|^�� #�� #�� #��adding together like items of assets, liabilities, income and expenses after eliminating intra-group transactions, balances, unrealised ��'�� "��?� �� "��wherever required to conform to uniform accounting policies except in case of �� #��'�� +�� "�� #�� ?�� *��"��'|��Financial Reporting Standards (IFRS). Impact �� "�� #��?� "�� ?�� "��;�<�� "�� #��are drawn upto the same reporting date as that of Parent Bank i.e. 31st March, 2016.

2. The difference between cost to the parent bank of its investment in the subsidiaries and Parent bank’s share in the equity of �� #�� ?�� ?��+��'capital reserve. Goodwill, if any, is written off immediately on its recognition.

3. Minority interest in the Consolidated Financial Statement consists of the share of the minority shareholders in the net equity of the subsidiaries.

� � �;� ��?� �� |��"�� companies is done under Equity method in �� +�� ?� j�� [�j^�� ?� �� |��"�� in Consolidated Financial Statements”, issued #��|\�|;

� � �;� ��?� �� |��"�� Q�� ~��are consolidated on “Proportionate basis” �� #�� ?� j�� [�j^�� _�� ?� �� |�� Q��~��#��|\�|;

65


��?��` \�� _�?��#��

NOTES FORMING PART OF ABRIDGED FINANCIAL STATEMENTS;� <�� #��?�� "��

�� *�� #�� ?� j�� "��;�<��#��?��"��#��"��;

�;� <��j�� +��"��?� �� +�� +��?� �� _��j��"��{

� �;� }�� }�;� �� j�� _�� j��"��}��}�;��_��j��"��j��+��{

� � ]��?��?��?�� ?� �� } �� #��?��[j�� ^�>�� "��[��^� ��["��"�"� ��^� �� ?� ��+�� ?�� "��"�";� $�� ?� �� #�� +�� } �� +�� #�� ?�� #�� ` ��;�� +��*��}��[��!^�#��` ��;��;

� #;� }��}�;��[#^��j��_��j��"�� }�� }�;� �[�^� �� _��j��"��j��+��{

� � �� |�� }�;�]��{� {��{�;�;��{��>�� #��"�� ?��\��#��+��_�#��*��"��*��+��+��;�\��*�� #��?��` ��;�� #��"�� ` ��;�� #��?� �� +�� #��?�� ;

� �;� }��}�;��[�^��j��_��j��"�� }�� }�;� �[#^� �� _��j��"��j��+��{

� � |�� "�� |� �� }�;� ]��;}�;� ;��'�;�;��'��>�� "� �� ` ��;��#��?��;��!��?��?��` ��;��;�;��#��"�� #;��;��#��"�� Q�� "��?�� #��|;

� �;� }��}�;��[�^��j��_��j��"�� }�� }�;� �[�^� �� _��j��"��j��+��{

� � �� ¤�� +� [�¤�^��#��|��?��?��'"��;

peye lekeÀ efkeÀ efJeefMeä ªhe mes Dev³eLee ve keÀne ie³ee nes meYeer DeebkeÀ[s ` keÀjesæ[eW ceW nQ keÀesäkeÀ ceW efoS DeebkeÀ[s efheíues Je<e& mes mebyebefOele nQ

mebef#ehle efJeÊeer³e efJeJejefCe³eeW kesÀ Yeeie mJeªhe efìhheefCe³eeb1. mebef#ehle efJeÊeer³e efJeJejCe ceW yeQkeÀ kesÀ uesKeehejeref#ele efJeÊeer³e efJeJejCeeW keÀer lew³eejer ceW

ueeiet uesKeebkeÀve ceevekeÀeW Üeje DeeJeM³ekeÀ meYeer hekeÀìve Meeefceue veneR nQ~ Dele: mebef#ehle efJeÊeer³e efJeJejCe yeQkeÀ kesÀ uesKee hejeref#ele efJeÊeer³e efJeJejCe keÀe SJepeer veneR nw~

2. yeQkeÀ kesÀ meebefJeefOekeÀ uesKeehejer#ekeÀeW ves Deheveer je³e heefjJee|lele efkeÀS efyevee efJeÊeer³e efJeJejCe kesÀ efvecveefueefKele efìhheefCe³eeW hej O³eeve DeekeÀe|<ele efkeÀ³ee nw:

S. mìwC[ Deueesve efJeÊeer³e efJeJejCeeW keÀe veesì veb.4 Deewj Devegmet®eer 18 kesÀ mecesefkeÀle efJeÊeer³e efJeJejCeeW keÀe veesì veb. 9 efpemeceW efvecveevemeej keÀne ie³ee nw :-

Je<e& kesÀ oewjeve cetue yeQkeÀ ves Deheveer uesKeebkeÀve veerefle ceW heefjJele&ve efkeÀ³ee nw Deewj mebefoiOe (heéfleYetleerke=Àle DebMe) - kesÀ ªhe ceW Jeieeake=Àle SveheerS kesÀ mebyebOe ceW - SkeÀ Je<e& mes leerve Je<e&, efveJeue Deefleos³e Deefieće keÀe heéJeOeeveerkeÀjCe 60� ( lJeefjle heéJeOeeve) mes 40� ( v³etvelece heéJeOeeve) efkeÀ³ee nw pees efve³eecekeÀ v³etvelece nw ~ ³eefo henues keÀer uesKeebkeÀve veerefle keÀe he´³eesie efkeÀ³ee neslee,lees Je<e& kesÀ efueS SveheerS nsleg heéJeOeeve ] 2835.68 keÀjes[ DeefOekeÀ neslee Deewj heefjCeece mJeªhe Je<e& kesÀ efueS efveJeue neefve (keÀj keÀe efveJeue) ` 1854.31 keÀjes[ DeefOekeÀ ngF& nw ~

yeer. Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(yeer) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(S) pees efvecveevegmeej heæ{e peeSiee~

Yeejleer³e efj]peJe& yeQkeÀ kesÀ he$emeb. [eryeerDeej : yeerheer:17252:21:04:048:2014-15 efoveebkeÀ 13 ceF&, 2015 kesÀ DevegmeejCe ceW yeQkeÀ Üeje SDeejmeer keÀes 26 HeÀjJejer, 2014 Deewj 31 cee®e&, 2015 kesÀ yeer®e efye¬eÀer keÀer ieF& efJeÊeer³e Deeeqmle³eeWmes Deeves Jeeueer keÀceer keÀe efpeme efleceener ceW Deeeqmle yes®eer ieF& Gmemes ueskeÀj 8 efleceeefn³eeW keÀer DeJeefOe kesÀ oewjeve heefjMeesOeve efkeÀ³ee peeSiee ~ leovegmeej yeQkeÀ ves Je<e& kesÀ efueS ueeYe Deewj neefve Keeles ceW ` 369.49 keÀjesæ[ heÝeeefjle efkeÀ³ee nw Deewj ` 214.24 keÀjesæ[ keÀer Mes<e jeefMe keÀe YeefJe<³e DeJeefOe kesÀ ueeYe Deewj neefve Keeles ceW heÝeeefjle keÀjves kesÀ efueS Deeies ues pee³ee ie³ee nw ~

meer Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(meer) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(yeer) pees efvecveevegmeej heæ{e peeSiee~

Yeejleer³e efj]peJe& yeQkeÀ kesÀ he$e meb.[eryeerDeej:meb.yeerheer.13018/21.04.048/2015-16 efoveebkeÀ 12 Dehewue, 2016 kesÀ Devegheeueve ceW, yeQkeÀ ves hebpeeye mejkeÀej Üeje GheueyOe keÀjeS ieS KeÐe $eÝCe kesÀ lenle ceewpetoe Deefleos³e ` 2206.11 ³eLee 31.03.2016 kesÀ 7.5 � kesÀ ªhe ceW ` 165.40 keÀer jeefMe heoeve keÀer nw~ Yeejleer³e efj]peJe& yeQkeÀ Üeje ³eLee efveoxefMele, Gme efleefLekeÀes Deefleos³e jeefMe hej 7.5� keÀe DeefleefjÊeÀ heeJeOeeve petve, 2016 ceW efkeÀ³ee peeSiee ~

[er Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(SHeÀ) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(meer) pees efvecveevegmeej heæ{e peeSiee~

yeQeEkeÀie efJeefve³eceve DeefOeefve³ece , 1949 kesÀ Deveg®íso 35 kesÀ lenle Yeejleer³e efj]peJe& yeQkeÀ Üeje keÀer ieF& Deeeqmle iegCeJeÊee meceer#ee (SkeÌ³etDeej) kesÀ Devegmeej yeQkeÀ ves kegÀí DeefiećeeW kesÀ mebyebOe ceW hegve: JeieeakeÀjCe efkeÀ³ee nw/DeefleefjÊeÀ heéJeOeeve efkeÀ³ee nw~

66


� �;� }�� }�;� �[�^� �� [�^� �� j�� _��j��"�� }�� }�;� �[�^�� [�^� �� [?^� �� _�� j��"�� j�� +��{

� � �]��?��?��+��?��"��!��"��#�� !�� <�!� \�� >+�� \�� <�!� ��#�� +��>�� ]��#�� ]�#�� ]�#�� +�� "�� ?��#��+��'��|��"��<�!��+�� ` ��;�� +�� !� ��#�� ;�\��*��+��#��!��+��'��#��#�� |��"��<�!�� *��?��?��;

� � �� ?�� +� �� "�� #�� "�� !�#��"�� ?�� +�� "��?� �� ?� �� ]��#��]�#�� #��?��?�� ?�� !��` ��;��"��?��#��#��#�� !�#�� "��?��+��!��#��;

� �;� �}��}�;��[�^��j��_��j��"�� }�� }�;� �[�^� �� _��j��"��j��+��{

� � �<�� ` ��;�� } ��` ��;�� } �� "� �� #�� "�� *�� ""��?� ��"� Q��;� ��?�� ?� �� ` ��;�� +��"��+��} ��` ��;��#��?��} ��;

� ?;� �}��}�;��[�^��j��_��j��"�� }�� }�;� �[�^� �� _��j��"��j��+��{

� � �|��+��]�� [��+��]��"��^� j��"�� "�� |�� +�� +�� ]��#�� \�"�� []|j\%�^� ��?�_�� >�� #�� #��#�� }��>j��j]�� "�� [�%�^��"�� $�� [�%$^� �� "�� [�� ^� �"��?� �� ` ��;��` ��;�� ` ��;�� ;� �� |� �� #�� "�� +��?��{

�. �;�� '#�� ?�� #�� j��]��"��[j]��^�#��#��?��` ��;�;

�� ;��+��"�� '�#��;

F& Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(S®e) leLee 9 (DeeF&) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(F&), 12(SHeÀ) Deewj 12(peer) pees efvecveevegmeej heæ{e peeSiee :

Je<e& kesÀ oewjeve yeQkeÀ ves Deheves keÀj hejeceMe&oelee keÀer efJeMes<e%e meueen kesÀ DeeOeej hej Deheves uebefyele Dee³ekeÀj cetu³eebkeÀveeW keÀer meg#celee mes meceer#ee keÀer Deewj efJeefYeVe ceeceueeW, efpemeceW DeMeesO³e Deewj mebefoiOe $eÝCe nsleg heeJeOeeve, yeÆs Keeles efueKes ieS DeMeesO³e $eÝCe, efJeosMeer MeeKeeDeeW kesÀ ueeYe keÀe J³eJenej Deewj Dee³ekeÀj DeefOeefve³ece, 1961kesÀ ³et/Sme 14 S keÀe DemJeerkeÀej Meeefceue nw, hej efheíues efJeÊeer³e Je<eeX kesÀ efueS ceewpetoe keÀj os³elee kesÀ efueS heeJeOeeve hegve: efveOee&efjle efkeÀS nQ, heefjCeecele: hetJe& kesÀ Je<eeX keÀer ceewpetoe keÀj os³elee kesÀ heefle `308.63 keÀe DeefleefjÊeÀ heeJeOeeve ngDee nw~ Ssmeer meceer#ee kesÀ HeefjCeece mJeªHe Hejes#e ³eLeeLe&lee keÀer peeb®e keÀer DeeJeM³ekeÀlee nesles ngS, Dee³ekeÀj DeefOeefve³ece, 1961 kesÀ Devegmeej Deeies ueeF& ieF& neefve / DeveeJeMeesef<ele cetu³eÛeme keÀer yeQkeÀ keÀes DeHes#ee veneR nw~

GhejesÊeÀ met#ce meceer#ee kesÀ DeeOeej hej, yeQkeÀ ves YeefJe<³e keÀer keÀj³eesi³e Dee³e keÀe Devegceeve ueiee³ee nw efpemekesÀ efveefceÊe DeMeesO³e SJeb mebefoiOe $eÝCeeW kesÀ efueS heeJeOeeveeW kesÀ keÀejCe heeS ieS mece³e Yeso keÀe meb%eeve nes mekesÀ Deewj leovegmeej yeQkeÀ ves, efpemekesÀ efveefceÊe Ssmeer DeemLeefiele keÀj Deeeqmle³eeW keÀe meb%eeve efue³ee pee mekesÀ, Ssmeer YeefJe<³e keÀer keÀj ³eesi³e Dee³e keÀer GheueyOelee keÀer Gef®ele megefveefM®elelee kesÀ DeeOeej hej Ssmes mece³e-Yeso hej ` 3172.65 keÀer DeemLeefiele keÀj Deeeqmle³eeW keÀes meb%eeve ceW efue³ee nw~

SHeÀ. Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(pes) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(S®e ) pees efvecveevegmeej heæ{e peeSiee~

yeQkeÀ ves cee®e&-2015 mes keÀeflehe³e SveheerS kesÀ mebyebOe ceW ` 709.31 Deewj keÀeflehe³e SveheerS keÀer efye¬eÀer hej ` 403.21 keÀer neefve kesÀ heeJeOeeve keÀes DeemLeefiele efkeÀ³ee nw, efpevekeÀe petve, 2015 mes 3 efleceeefn³eeW keÀer DeJeefOe kesÀ efueS heefjMeesOeve efkeÀ³ee peevee nw~ leovegmeej, Je<e& kesÀ oewjeve ` 709.31 keÀe heefjMeesOeve efkeÀ³ee ie³ee Deewj ` 403.21 keÀe Ssmes SveheerS keÀer efJe¬eÀer hej neefve kesÀ ªhe ceW meb%eeve efue³ee ie³ee nw~

peer Devegmet®eer 18 kesÀ mìwC[Deueesve efJeÊeer³e efJeJejCe keÀe veesì meb.9(kesÀ) Deewj mecesefkeÀle efJeÊeer³e efJeJejCe keÀe veesì meb.12(Dee³e) pees efvecveevegmeej heæ{e peeSiee~

Yeejle mejkeÀej Tpee& ceb$eeue³e keÀer Go³e ³eespevee (Go³e GppeJeue ef[mkeÀe@ce SM³eesjvme ³eespevee) kesÀ Devegmeej, Je<e& 2015-16 kesÀ oewjeve Tpee& mebefJelejkeÀ kebÀheefve³eeW (ef[mkeÀe@ce) kesÀ heefj®eeueve Deewj efJeÊeer³e ìve&DejeGb[ kesÀ efueS yeQkeÀ ves jepemLeeve mejkeÀej, nj³eeCee mejkeÀej Deewj GÊej he´osMe mejkeÀej kesÀ ¬eÀceMe: `2198.72, `881.78 Deewj `457.15 jeefMe kesÀ iewj SmeSueDeej, Sme[erSue yeeb[dme meym¬eÀeFye efkeÀS nQ ~ DeejyeerDeeF& kesÀ DevegosMeeW keÀe Heeueve keÀjles ngS, yeQkeÀ ves efvecveefueefKele He´eJeOeeve efkeÀS nQ:

�. 727.60 kesÀ 15� kesÀ ªhe ces 31 cee®e&, 2017lekeÀ $eÝCe /yeeb[ kesÀ mebyebOe ceW `109.14 keÀes jep³e efJekeÀeme $eÝCe (Sme[erSue) ceW heefjJee|lele keÀjves hej efJe®eej veneR efkeÀ³ee ie³ee nw~

��. $eÝCe/yeeb[me kesÀ Gef®ele cetu³e ceW Ûeme kesÀ he#e ceW ` 24.11~

��


�;� <��+��?��"��"��?��#��|{

3.1. Capital:

� � �¦��<�� "�� \=<� � \�� \�� |� �� }�;� ]��;}�;�� ;��'�;;�'��>�� ;�;�� |� �� }�;� ]��;}�;� ;��'�;;�'��>��;�;��;

]�� ?� |�� ]�#�� |��"��[| ]|^'�<>��?"��<��|��{

Raised in the year Nature Amount

Reckoned for the purpose of CRAR

computation (Basel III)

��>� | ]| ��;�

[�j]��^

��;�

��>� | ]| ��; ��;��>� | ]| �; ��;��> | ]| ��; ��;�> | ]| �; �;��>� �<> ��; ��;

Sr. No.

efJeJejCe Particulars

Standalone

Consolidated

31.03.2016 31.03.2015 31.03.2016 31.03.2015

�^ meeceev³e FeqkeÌJeìer efì³ej 1 hetbpeer Devegheele [\=<^�[�^

Common Equity Tier 1 Capital ratio (CET1) (%)

yeemesue-|| ��>|| }� }� �}� �}�

yeemesue -||| ��>||| �;�� ;�� ;�� ;��^ efì³ej 1 hetbpeer Devegheele (%) Tier I Capital ratio (%)

yeemesue-|| ��>|| �;�� ;�� ;�� ;��

yeemesue -||| ��>||| �;�� ;�� ;�� ;��^ efì³ej II hetbpeer Devegheele (%) Tier II Capital ratio (%)

yeemesue-|| ��>|| �;�� ;�� ;�� ;��

yeemesue -||| ��>||| �;�� ;�� ;�� ;��^ kegÀue hetbpeer Devegheele (CRAR) (%) Total Capital ratio (CRAR) (%)

yeemesue-|| ��>|| �;�� ;�� ;�� ;��

yeemesue -||| ��>||| �;� ;�� ;�� ;��^ Yeejle mejkeÀej keÀer Mes³ejOeeefjlee keÀe

heéfleMele ��?��?��"��|��

��;� ��;�� ;� ��;��

��^ Je<e& kesÀ oewjeve heéhle FeqkeÌJeìer hetbpeer jeefMe �"��=*��\��?��

��;� ��; ��;� ��;

��^ Mes³ej DeeJesove jeMeer Deebyeìve nslet ueefcyele j��"��?��"��¦

��;�� ; ��;�� ;

��^ Je<e& kesÀ oewjeve efì³ej-| hetbpeer kesÀ ªhe ceW heéhle jeefMe [| ]|^

�"��<��?��;�;�| ]|

; ��; ; ��;

�!^ Je<e& kesÀ oewjeve heéhle efì³ej-||�jeefMe DeLee&le [sì kewÀefheìue Fbmì¦ceWì

�"��<��>||��;�;�]�#��\��|��"��?��

�; ; �; ;

3. efvecveefueefKele peevekeÀejer keÀe Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej he´keÀìve efkeÀ³ee ie³ee nw:

3.1. hetbpeer:

DeejyeerDeeF& kesÀ he$e meb. [eryeerDeej.veb.yeerheer.12254/21.01.002/2015-16 efoveebkeÀ 30.03.2016 Deewj DeejyeerDeeF& kesÀ he$e meb. [eryeerDeej. veb. yeerheer. 12711/21.01.002/2015-16 efoveebkeÀ 06.04.2016 kesÀ Devegmeej meerDeejSDeej GÎsM³e kesÀ efueS ³en jeefMe meerF&ìer-1 hetbpeer ceeveer peeSieer~

efì³ej | hetbpeer yeæ{eves nsleg efueS ieS yekeÀe³ee veJeesvces<e melele $eÝCe efueKele(DeeF&heer[erDeeF&) kesÀ y³eewjs efvecveevegmeej nQ :

Je<e& mJeªHe jeefMe meerDeejSDeej heefjkeÀueve kesÀ he³eespeve nsleg ieCevee

2006-07 DeeF&heer[erDeeF& 566.19 (³etSme[er 85 efceefue³eve)

339.71

2007-08 DeeF&heer[erDeeF& 655.00 393.002008-09 DeeF&heer[erDeeF& 400.00 240.002009-10 DeeF&heer[erDeeF& 325.00 195.002010-11 DeeF&heer[erDeeF& 300.00 180.00

2014-15 Sìer-1 2500.00 2500.00

��


]�� ?�<�� ||� |��"�� ?"��<�� ||��{

Raised in the year Nature Amount

Reckoned for the purpose

of CRAR computation

(Basel III)��>� ��+��<��|| �; ;

��>� ��<��|| ��;�

[�j]��^

��;��

��>� ��<��|| ��; ��;�

��>� ��<��|| �; �;

��> ��<��|| �; �;

�> ��<��|| ; �;

��>� ��<��|| �; �;

��>� ��<��|| �; �;

�;� � �� |� �� }�;� ]��;}%;� ;��'�;�;��'��>��#�� ?�� !� �� \��*��;��?��'�� "��#�� +�� ?��!��;

#;� �]��?� �� #�� "�� "��?�� !��;�j��?��??��?��?��` ��¨�� j��;�<��#��\=<�|��!��|�?��;

3.2. Investments

Sr. No. Particulars As at

31.03.2016As at

31.03.20151 ~��|��"��

�^ ��~��|��"�� ;� ��;��

�^ |��|�� ;� ��;��

#^ %��|�� ;� ��;�

��^ ��]�� ;� ��;�

�^ |��|�� ;�� ;��

#^ %��|�� ;�� ;��

��^ }��~��|��"�� ;� ��;�

�^ |��|�� ;�� ;��

#^ %��|�� ;� ��;��

2 ��"��+��"��

�^ %��?�#�� ;� ��;�

��^ ��{� �� "�� ?��

��;�� >�

efì³ej || hetbpeer yeæ{eves nsleg efueS ieS yekeÀe³ee efì³ej II efueKeleeW kesÀ y³eewjs efvecveevemeej:

Je<e& mJeªhe ceW mJeªHe jeefMe meerDeejSDeej heefjkeÀueve kesÀ

he´³eespeve nsleg ieCevee

��>� ueesDej efì³ej || �; ;

��>� Dehej efì³ej || ��;�

[³etSme[er��efceueer³eve^

��;��

��>� Dehej efì³ej || ��; ��;�

��>� Dehej efì³ej || �; �;

��> Dehej efì³ej || �; �;

�> Dehej efì³ej || ; �;

��>� Dehej efì³ej || �; �;

��>� Dehej efì³ej || �; �;

S. Yeejleer³e efj]peJe& yeQkeÀ kesÀ he$e meb. [eryeerDeej. meb.yeerheer. 13018/21.04.048/2015-16 efoveebkeÀ 1 cee®e&, 2016 kesÀ Devegªhe, yeQkeÀ ves hetbpeer he³ee&hlelee Devegheele ³eLee 31 cee®e&, 2016 kesÀ heefjkeÀueve ceW hegvecet&u³eebkeÀve Deejef#eleer, efJeosMeer cegêe heefjJele&ve Deejef#eleer Deewj DeemLeefiele keÀj hej efJe®eej efkeÀ³ee nw~ leodvegmeej, ceewpetoe Je<e& kesÀ DeebkeÀ[s/Devegheele keÀer Fme mebyebOe ceW efheíues Je<e& kesÀ DeebkeÀ[eW kesÀ meeLe leguevee veneR keÀer pee mekeÀleer~

yeer. Je<e& kesÀ oewjeve, yeQkeÀ ves Deheveer De®eue Deeeqmle³eeW keÀes Yeeieªhe mecemle heefjmejeW keÀe hegvecet&u³eebkeÀve efkeÀ³ee~ Ssmes hegvecet&u³eebkeÀve mes hewoe ngS DeefOeMes<e ` 2901 keÀes Deejef#eleer SJeb DeefOeMes<e ‘ kesÀ lenle hegvecet&u³eebkeÀve Deejef#eleer ‘ ceW ¬esÀef[ì efkeÀ³ee ie³ee ~ Yeejleer³e efj]peJe& yeQkeÀ kesÀ ceewpetoe efoMeeefveoxMeeW kesÀ Devegmeej hegvecet&u³eebkeÀve Deejef#eleer keÀes meerF&ìer-1 hetbpeer nsleg ceevee ie³ee nw~

3.2 efveJesMe

ke´À.meb. efJeJejCe ³eLee

31.03.2016³eLee

31.03.20151 efveJesMe keÀe cetu³e

�^ efveJesMeeW keÀe mekeÀue cetu³e 120308.41 120860.46keÀ) Yeejle ceW 114475.50 115354.25Ke) Yeejle kesÀ yeenj 5832.91 5506.21

��^ cetu³eÛeme nsleg heéJeOeeve 1459.50 1068.41keÀ) Yeejle ceW 864.74 482.52Ke) Yeejle kesÀ yeenj 594.76 585.89

��) meb¬eÀeceCe 118848.91 119792.05keÀ) Yeejle ceW 113610.76 114871.73Ke Yeejle kesÀ yeenj 5238.15 4920.32

2 efveJesMe hej cetu³eÛeme kesÀ efueS efkeÀS ieS heéJeOeeveeW keÀer eqmLeefle

�^ heéjbefYekeÀ Mes<e 1068.41 1095.30��^ pees[W: Je<e& kesÀ oewjeve efkeÀS ieS

heéJeOeeve350.73 -

��



31.03.2016As at

31.03.2015��^ ��{��>��'�+��>#��

�!��?��

> �;�

��^ ��'[��^{��"��!��?��

�;�� ;�

�^ \��?�#�� ;� ��;�

��"�� j�� [_�� ~��^� �"��?� �� `� ��;��[�� `� ��;^� �� "��?�� +�� |�� \\|��\��?� $�� =!��?�� +�� "��?��'��"��;

3.2.1 Repo Transactions (in face value terms) undertaken during the year:


Je<e& keÀes oewjeve DeefOekeÀlece yekeÀe³ee

Minimum outstanding during the

year

Je<e& kesÀ oewjeve owefvekeÀ Deewmele

yekeÀe³ee Maximum

outstanding during the

year

yekeÀe³ee ³eLee 31 cee®e&, 2016 Daily

Average outstanding

during the year

yekeÀe³ee ³eLee 31 cee®e&, 2016

Outstanding as on

March 31, 2016

jshees kesÀ Debleie&le yes®eer ieF& heéfleYetefle³eeb

�^ mejkeÀejer heéfleYetefle³eeb

��^ keÀeheexjsì $eÝCe heéfleYetefle³eeb

j��

�^� ��"��j��

��^� \��]�#��j��

; [;^

; [;^

��;�� [��;��^

��;� [�;�^

;�� [�;��^

; [;��^

��; [��;��^

; [;^

efjJeme& jshees kesÀ Debleie&le Kejeroer ieF& heéfleYetefle³eeb�^ mejkeÀejer heéfleYetefle³eeb

��^) keÀeheexjsì $eÝCe heéfleYetefle³eeb

j��

�^� ��"��j��

��^� \��]�#��j��

; [;^

; [;^

��; [�;^

; [;^

��;� [��;��^

; [;^

�; [;^

; [;^

ke´À.meb.Sr. No.

peejerkeÀlee& IssuerjeefMe

Amount

efvepeer leewj Hej Mes³ej Deeyebìve Extent of Private

Placement

èfveJesMe ie´s[ mes veer®es' HeéfleYetefle

Deeyebìve Extent of ‘Below

Investment Grade’

Securities*

DeÞesCeerke=Àle heéfleYetefle Deeyebìve

Extent of ‘Unrated’

Securities*

Demet®eerye×Deeyebìve

Extent of ‘Un-listed’ Securities*

[^ [�^ [�^ [�^ [�^ [�^ [�^ [�^

�;�� meeJe&peefvekeÀ Gheke´Àce j��;�� ;�� ; ��;� ;

[��;��^ [��;��^ [;^ [;^ [;^

��; efJelleer³e mebmLeeSb _|��; ��; ; ; ��;�

[��;��^ [;^ [;^ [��;�^ [��;�^

��; yeQkeÀ ��;�� ; �;�� ;�� ;��

[��;��^ [;^ [;^ [;^ [��;��^

��;� efvepeer keÀe@heexjsì ��\��;�� ;� ��;� ��;�� ;��

[��;�^ [��;��^ [��;^ [��;��^ [��;��^

ke´À.meb. efJeJejCe ³eLee

31.03.2016³eLee

31.03.2015��^ IeìeSb : yeÆsKeeles [euevee/Je<e& kesÀ

oewjeve DeefleefjÊeÀ heéJeOeeve keÀe jeFì-yewkeÀ

- 50.40

��^ Debeflece Mes<e 40.36 23.51�^ pecee Mes<e 1459.50 1068.41

`15,064.56 (efheíues Je<e& ` 22509.11) jeefMe keÀer mejkeÀejer heéfleYetefle³ee@b (DebefkeÀle

cetu³e) keÀes ceee|peve/heéfleYetefle efveheìeve kesÀ he#eceW DeejyeerDeeF&, meermeerDeeFSue, meceeMeesOeve

ie=n Deewj efJeefvece³eeW kesÀ heeme ceee|peve kesÀ ªhe ceW jKee ie³ee nw~

3.2.1 Je<e& kesÀ oewjeve efkeÀS ieS jshees mebJ³eJenej (DebefkeÀle cetu³e hej):

FmeceW Yejleer³e efj]peJe& yeQkeÀ kesÀ meeLe vekeÀoer mecee³eespeve megefJeOee (SueSSHeÀ) Debleie&le efkeÀS ieS meewos Meeefceue nw (ceee|peve keÀes íesæ[keÀj).

3.2.2. iewj-SmeSueDeej:

<�� #�� *��"��_��[��_^�+��|�[��"��?��^;

3.2.2 Non-SLR Investment Portfolio:

�


ke´À.meb.Sr. No.

peejerkeÀlee& IssuerjeefMe

Amount

efvepeer leewj Hej Mes³ej Deeyebìve Extent of Private

Placement

èfveJesMe ie´s[ mes veer®es' HeéfleYetefle

Deeyebìve Extent of ‘Below

Investment Grade’

Securities*

DeÞesCeerke=Àle heéfleYetefle Deeyebìve

Extent of ‘Unrated’

Securities*

Demet®eerye×Deeyebìve

Extent of ‘Un-listed’ Securities*

�; Deveg<ebefie³eeb / meb³egkeÌle GÐece j�#��' Q��~��¦¦

��;� ; ; ; ;

[��;�^ [;^ [;^ [;^ [;^

��;� Dev³e %��;� ��;�� ;�� ;� ��;

[��;�^ [��;^ [;^ [��;��^ [�;��^

Ghe-pees[ Sub-total16,541.10 10,294.16 1,069.38 1,638.09 694.76

(15,527.46) (8,137.02) (621.01) (421.49) (404.10)

��; IeìeSb: cetu³eÛeme nsleg efkeÀS ieS HeéJeOeeve

��{� ��+��]��

��;�� ; ; ; ;

[��;��^ [;^ [;^ [;^ [;^

kegÀue Total15,083.33 10,294.16 1,069.38 1,638.09 694.76

(14,472.67) (8,137.02) (621.01) (421.49) (404.10)

¦� |��"��=*��=*��%��_��~��\�� j�� \�� ;�j��j��;��?��?�� ?�� !�"�� "� ��?'��?�?��;

¦¦� |��"�� j�#��'Q�� ~��'�� #��?��?��?��|�?��;

i. Non-performing Non-SLR Investments

Particulars 2015-16 2014-15

%��?�#�� ;�� ;�

��?�� ;�� ;��

��?�� ;�� ;��

��'[��^{�=!��?�� ;� ;

\��?�#��¦ ��;�� ;��

<�� ;� ��;�

¦� |��?�=!��?��]��

3.2.3. Sale and transfers of securities to/from HTM Category:


~�� !�� #��"��$<��?��#�?��?��

}�� }��

* FeqkeÌJeìer ceW efveJesMe, FeqkeÌJeìer DeefYeefJev³emle c³eg®egDeue HebÀ[, peesefKece hetbpeer, Jeieeake=Àle Deeeqmle meceef®ele heéfleYetefle, keWÀê mejkeÀejkeÀer heéfleYetefle³ee@b, heéfleYetefle jmeero, Fl³eeefo keÀes Fve ÞesefCe³eeW kesÀ lenle efYeVe veneR efkeÀ³ee ie³ee nw, keÌ³eeWefkeÀ FvnW JeieeakeÀjCe/met®eerkeÀjCeefoMeeefveoxMeeW mes ítì oer ieF& nw~

* Deveg<ebieer/meb³egÊeÀ GÐece/mene³ekeÀeW ceW efveJesMe keÀes efJeefYeVe ÞesefCe³eeW ceW he=LekeÀ veneR efkeÀ³ee ie³ee nw keÌ³eeWefkeÀ FvnW DeejyeerDeeF& kesÀ mebyebefOele efoMeeefveoxMeeW kesÀ lenle keÀJej veneR efkeÀ³ee ie³ee nw~

i. Devepe&keÀ iewj-SmeSueDeej efveJesMe

efJeJejCe 2015-16 2014-15heéjbefYekeÀ Mes<e 974.63 810.21

Je<e& kesÀ oewjeve heefjJeOe&ve 118.48 239.36

Je<e& kesÀ oewjeve keÀìewefle³eeb 366.76 74.94

FefleMes<e 33.50 0.00

Oeeefjle kegÀue heéJeOeeve 759.85 974.63

Oeeefjle kegÀue heéJeOeeve 648.91 717.50

* efJeefvece³e Deblej Meeefceue

3.2.3. efye¬eÀer leLee S®eìerSce ÞesCeer keÀes/mes nmleeblejCe:

efJeJejCe 2015-16 2014-15

Je<e& kesÀ heéjbYe ces S®eìerSce ÞesCeer ceW jKes ieS efveJesMe kesÀ yeefn cetu³e kesÀ 5� mes DeefOekeÀ cetu³e

Metv³e Metv³e

�


3.3. Derivatives 3.3.1 Forward Rate Agreement/ Interest Rate Swap


31.03.2016As at

31.03.2015�^ <�� +��

�?��"��;�� ;��

��^ �� +�� +�� #�� #��?�� ?��"��

��;� ��;

��^ \�� *�� #�� #��?��+��

}�� +��*�� +�� +�� #�� "��\��;

��^ \�� ?��"��+��

<�� ?� ��"�� +�� ?� ��;

�^ <��+��#�� ; ��;�

3.3.2 Exchange Traded Interest Rate Derivatives


31.03.2016As at

31.03.2015[�^ }�� "��

�!��?�� ?��[��"��>+��^

;

[;^

;

[;^

[��^ }�� "�� !��?�� ?� �� [��"��>+��^

;

[;^

;

[;^

[��^ }�� "�� !��?�� ?��?�� [��"��>+��^

;

[;^

;

[;^

[��^ ��>��>"�� !��?�� ?��?�� [��"��>+��^

;

[;^

;

[;^

3.3.3 Disclosures on risk exposure in derivatives

i. Qualitative Disclosure� <��

�� +�� ?�� #�� #�� "�� *��"�� +�� ?� �� #��;�<��?��?��?��?��;�|��+��#��!��"��;

� �� "��?�"�� ?�� #�� #��"��?�"��;��"��?�"��?��"�� "�� "�� >?��?� #�� #��"�� #�� "��?�"�� "��"�;�<�� "��?�"�� "��

3.3 [sefjJesefìJe 3.3.1 Jee³eoe oj DevegyebOe/y³eepe oj mJewhe

¬eÀ. meb.

efJeJejCe ³eLee 31.03.2016

³eLee 31.03.2015

�^ mJewhe DevegyebOe keÀer keÀequhele cetue jeefMe 15778.39 17788.62��^ mebyebefOele he#eeW Üeje keÀjej kesÀ Debleie&le

Deheves oeef³elJe hete|le ve efkeÀS peeves kesÀ HeÀuemJeªhe nesves Jeeueer neefve³eeb

632.71 552.01

��^ mJewhe heéf¬eÀ³ee Deheveeves hej yeQkeÀ Üeje Dehesef#ele mecheee|éekeÀ heéfleYetefle

mJewhe kesÀ efueS mebheee|éekeÀ heéfleYetefle keÀer pejle veneR nw keÌ³eeWefkeÀ keÀeGvìj heeìea ³ee lees yeQkeÀ DeLeJee heérefce³ej keÀeheexjsì nw.

��^ mJewhe mes DeeS ¬esÀef[ì peesefKece keÀe mebkeWÀêCe

Je<e& kesÀ oewjeve y³eepe oj mJewhe mes GlheVe $eÝCe peesefKece keÀe keÀesF& mebkesÀvêCe veneR nw~

�^ mJewhe yener keÀe Gef®ele cetu³e 14.00 557.02

3.3.2 efJeefvece³e J³eeheej y³eepe oj [sefjJesefìJe

¬eÀ. meb.

efJeJejCe ³eLee 31.03.2016

³eLee 31.03.2015

[�^Je<e& kesÀ oewjeve efue³es ie³es efJeefvece³e J³eeheej y³eepe oj [sefjJesefìJe keÀer keÀequhele cetue jeefMe (efueefKele Jeej)

;

[;^

;

[;^

[��^³eLee 31 cee®e& keÀes yekeÀe³ee efJeefvece³e J³eeheej y³eepe oj [sefJejsefìJe keÀer keÀequhele cetue jeefMe (efueefKele Jeej)

;

[;^

;

[;^

[��^yekeÀe³ee efJeefvece³e J³eeheej y³eepe oj [sefjJesefìJe keÀer keÀequhele cetue jeefMe Deewj pees G®®e heÝeeJeer veneR nes (efueefKele Jeej)

;

[;^

;

[;^

[��^

yekeÀe³ee efJeefvece³e J³eeheej y³eepe oj [sefjJesefìJe keÀe ceeke&À-ìt-ceekexÀì cetu³e Deewj pees G®®e heÝeeJeer veneR nes (efueefKele Jeej)

;

[;^

;

[;^

3.3.3 [sefjJesefìJe ceW peesefKece SkeÌmehees]pej hej he´keÀìvei. iegCeelcekeÀ he´keÀìve yeQkeÀ legueve he$e keÀer Deeeqmle³eeW Deewj os³eleeDeeW keÀer heeflej#ee kesÀ efueS DeLeJee keÀejesyeejer

GÎsM³eeW Deewj ieenkeÀ peªjleeW keÀes hetje keÀjves kesÀ efueS [sefjJesefìJe mebefJeoeSb keÀjlee nw pewmes efkeÀ y³eepe-oj Deouee-yeoueer, cegêe Deouee-yeoueer Deewj cegêe leLee hejmhej uesve osve keÀer cegêe keÀe efJekeÀuhe ³ee J³eeheej kesÀ GÎsM³e nsleg ³es Glheeo peesefKece keÀer heeflej#ee, ueeiele Ieìeves leLee Ssmes mebJ³eJenejeW mes Dee³e yeæ{eves kesÀ efueS he³eesie efkeÀS peeles nQ~ yeQkeÀ Fme hekeÀej kesÀ J³eJenej ceW efpeme hekeÀej kesÀ peesefKeceeW keÀe meecevee keÀjlee nw, Jes nQ $eÝCe peesefKece, yeepeej peesefKece, heefj®eeueveiele peesefKece Deeefo~

peesefKece heýebOeve yeQkeÀ kesÀ keÀejesyeej heýebOeve keÀe SkeÀ cenlJehetCe& Yeeie nw~ peesefKece keÀer hen®eeve keÀjves Deewj GvekeÀe efJeMues<eCe keÀjves, mecegef®ele peesefKece meerceeSb efveOee&efjle keÀjves Deewj Gve peesefKeceeW Deewj meerceeDeeW keÀer efvejblej DeeOeej hej DeÐeleve heýebOeve met®evee heĆeeefue³eeW kesÀ peefjS osKe-jsKe keÀjves kesÀ efueS yeQkeÀ ves peesefKece heýebOeve veerefle³eeb lew³eej keÀer nQ~ peesefKece heýebOeve veerefle³eeb Deewj hećegKe

��


��"��#��]��"�� +�� ?��;�<�� ?�� "��?��?� ��;� <�� +�� !�� ?��;

� <��?�"��\�""��]��#��?��?�]��\=%;

� <�� ?�'�� ?�� ["�� "��?^� �� ;� |��"�'�!�� ?��?��#��;

� _��!� ��+�� "�� "�� ?�� ?�� ;

� |��!��?��?��"��"��?��?�� ;�}�� ?��;

� =!��?�� ?�� ?� "�� #�� ?�� #�� !��?�� ?�� ?�� ;

� ��'�� "�� ?� �+�� "�� "�'�!��;��?��'��"��?��?��+��?��"��?��+��"��?��?��'��#��;

� %�� '��"��"� �� "�� ;

� ��"��#"��?��j��<��?�"��+��?�� *�� #�� |� ��'�� *��"��;� �� ?��#��]��;�<�� #�� ?��;

� <�� #��"�� ;� <�� !��"��;�<��\��=!��"��#��#�� |�� "��?�\��=!��?�� ?��!��?�� ;�\��!��"��"��!��!��;

� <��!�� "��"�� "�� ;�;�+�� "��"��;

� ��!��"��#��"��?��"�� +�� ?��"�� "�� #�� >�� ?� �� "�� "��;

efve³eb$eCe meerceeSb efveosMekeÀ ceb[ue Üeje Devegceesefole keÀer ieF& nQ Deewj GvekeÀer efve³eefcele DeeOeej hej osKe-jsKe leLee meceer#ee keÀer peeleer nw~ yeQkeÀ keÀe mebieþve peesefKece kesÀ heýebOeve ceW mene³ekeÀ jne nw~ [sefjJesefìJe heefj®eeueve ceW J³eeheej ef¬eÀ³ee keÀueeheeW kesÀ $eÝCe peesefKeceeW keÀer he³ee&hle peevekeÀejer nw~

DeO³e#e SJeb heýebOe efveosMekeÀ SJeb meerF&Dees keÀer DeO³e#elee ceW yeQkeÀ kesÀ efveosMekeÀeW keÀer peesefKece heýebOeve meefceefle nw~

nwpe/veeve-nwpe (ceekexÀì ceseEkeÀie) mebJ³eJenejeW keÀes efYeVe ªhe mes efjkeÀe[& efkeÀ³ee peelee nw~ nseEpeie J³etlheVeer hej Dee³e/Ke®e& keÀes Gheef®ele DeeOeej hej uesKeebefkeÀle efkeÀ³ee peelee nw~

HeÀesjskeÌme HeÀesjJe[& mebefJeoeDeeW keÀes yeepeej keÀes ef®eeqvnle efkeÀ³ee ie³ee nw Deewj heefjCeecele: ueeYe Deewj neefve keÀes ueeYe SJeb neefve Keeles ceW yelee³ee peelee nw~

J³eeheej GÎsM³e mes efJeefvece³e J³eeheej J³etlheVed kesÀ DeueeJee y³eepe oj J³etlheVe Deewj cegêe J³etlheVe keÀes yeepeej keÀes ef®eeqvnle efkeÀ³ee peelee nw Deewj heefjCeecele: neefve, ³eefo keÀesF&, keÀes ueeYe SJeb neefve Keeles ceW yelee³ee peelee nw~ efveJeue ueeYe, ³eefo keÀesF&, hej O³eeve veneR efo³ee peelee nw ~

J³eeheej GÎsM³e mes heéfJeä efJeefvece³e J³eeheej J³eglheVe keÀe efJeefvece³e Üeje efoS ieS oj kesÀ DeeOeej hej he´®eefuele ceekexÀì ojeW hej cetu³eebkeÀve efkeÀ³ee peelee nw Deewj heefjCeecele: ueeYe SJeb neefve keÀes ueeYe SJeb neefve Keeles ceW yelee³ee peelee nw ~

J³eeheej mJewhe keÀer meceeeqhle hej ueeYe/neefve keÀes meceeeqhle efleefLe hej Dee³e/Ke®e& kesÀ ªhe ceW efjkeÀe[& efkeÀ³ee peelee nw~ mJewhe keÀer meceeeqhle hej efkeÀmeer Yeer ueeYe/neefve keÀe mLeieve mJewve keÀer Mes<e DevegyebefOele keÀce DeJeefOe DeLeJee heoveeefcele Deeeqmle³eeW/os³eleeDeeW keÀer yekeÀe³ee DeJeefOe mes mebye× efkeÀ³ee peelee nw~

efJekeÀuhe mebefJeoe kesÀ heefjhekeÌJelee keÀeue hej efJekeÀuhe MegukeÀ/heérefce³ece keÀe heefjMeesOeve efkeÀ³ee peelee nw ~

yeQkeÀ ceW Jeefjÿ Deewj G®®e heýebOeve keÀes DeeJeefOekeÀ efjheesìeX keÀes he´mlegle keÀjves keÀer Gef®ele he×efle nw FmekesÀ meeLe ner Yeejleer³e efj]peJe& yeQkeÀ Üeje Dehesef#ele/³ee heefj®eeueve DeeJeM³ekeÀleevegmeej efJeefve³eecekeÀ heéefOekeÀeefj³eeW keÀes Yeer efjheesì& Yespeer peeleer nw~ yeQkeÀ kesÀ heeme efveosMekeÀ yees[& Üeje Devegceesefole efJeefYeVe henuetDeeW hej mheä [sefjJesefìJe efoMee-efveoxMe nw~ [sefjJesefìJe uesve osve meceJeleea DeebleefjkeÀ, meebefJeefOekeÀ Deewj efve³eecekeÀ uesKee hejer#ee kesÀ Meleex kesÀ DeO³eOeerve nw~

mebJ³eJenejeW kesÀ heéflehe#e yeQkeÀ heéLeefcekeÀ [eruej Deewj heérefce³ej keÀeheexjsìdme F&keÀeF³eeb nQ~ FveceW J³eJenej Devegceesefole $eÝCe peesefKece meercee kesÀ Deboj efkeÀ³ee peelee nw~ yeQkeÀ ves y³eepe oj SJeb efJeosMeer efJeefvece³e [sefjJesefìJe uesve-osveeW kesÀ keÀejCe GlheVe $eÝCe peesefKeceeW kesÀ ceeheve kesÀ efueS Yeejleer³e efj]peJe& yeQkeÀ Üeje efveOee&jle Jele&ceeve $eÝCe peesefKece efJeefOe DeheveeF& nw~ Jele&ceeve $eÝCe peesefKece efJeefOe ceW Jele&ceeve $eÝCe peesefKece Deewj Fve mebefJeoeDeeW kesÀ mebYeeJeer Deeieeceer $eÝCe peesefKece keÀe peesæ[ nw~

Jele&ceeve $eÝCe SkeÌmehees]pej Fve mebefJeoeDeeW kesÀ mekeÀejelcekeÀ ceeke&À-ìt-ceekexÀì cetu³e keÀe peesæ[ nw DeLee&led peye yeQkeÀ keÀes heéflehe#e mes jeefMe heéhle keÀjveer nesleer nw~

mebYeeJeer Deeieeceer $eÝCe peesefKece keÀe efveOee&jCe Fve mebefJeoeDeeW kesÀ keÀeflehele cetue jeefMe, ®eens mebefJeoe keÀe Metv³e, mekeÀejelcekeÀ DeLeJee vekeÀejelcekeÀ ceeke&À-ìt-ceekexÀì cetu³e nes, kesÀ meeLe efvecveevegmeej mebyebefOele S[-Dee@ve lelJeeW kesÀ Devegmeej efueKele kesÀ Mes<e heefjhekeÌJelee Deewj mJehe keÀe iegCee keÀjkesÀ heéhle efkeÀ³ee peeSiee~

��


Residual Maturity

Conversion factor applied on Notional Principal Amount

Interest Rate Contract

Exchange Rate Contract

%�� ;�� ;�

%�� ;� ;�

%�� ;� �;�

� �� "��?� �� !�� !��+��"��"'��"��"��'�� ;

� ��!��|�?��!��"�� ?� ��*��"�� #�� j�� ?�� ;�� #�� "�� ;�� +��?�� ;�<��"�� *��#��;

��;� ¤��]��

ke´À.meb. Sr. No.

efJeJejCe Particularscegêe [sefjJesefìJe Currency

Derivatives

y³eepeoj [sefjJesefìJe Interest Rate Derivatives

1 [sefjJesefìJe (Devegceeefvele cetue jeefMe) ]��[}�� "��^

keÀ) nseEpeie nsleg �^� _��?��? ��;�� ;��

[��;�^ [��;�^

Ke) keÀejesyeej nsleg #^� _��? ��;�� ;

[��;�^ [�;^

2 y³eepe oj hej eqmLeefle³eeb �� ®

keÀ) Deeeqmle (+) �^� ��[¥^ ��;�� ;��

[��;�^ [��;��^

Ke) oskeÀelee (-) #^� ��#��[>^ ��;� ��;��

[��;^ [��;��^

� ke´sÀef[ì SkeÌmeheespej �® \��=!��® �;�� ;��

[��;�^ [��;��^

� y³eepe oj ceW SkeÀ heéfleMele kesÀ heefjJele&ve mes nesves Jeeuee mebYeeJ³e heÝeeJe (100*heerJeer01)

��"��?��?��[¦ ~^

keÀ) nseEpeie [sefjJesefìJe hej �^� %��?��?�� ;�� ;�

[�;��^ [��;�^

Ke) ì^seE[ie [sefjJesefìJe hej #^� %��?�� ; ��;�[;�^ [;��^

5 Je<e& kesÀ oewjeve osKeer ieF& 100*heerJeer01 keÀer DeefOekeÀlece SJeb v³etvelece

��!�"�"��"�"��¦ ~��#��?��

Max. Min. Max. Min.

keÀ) nseEpeie [sefjJesefìJe hej �^� %��?��? 2.26 �;�� ;�� ;�

[�;��^ [;�^ [��;��^ [��;�^

Ke) ì^seE[ie [sefjJesefìJe hej #^� %��? ;�� ;�� ;� ;

[;�^ [;^ [;��^ [;��^

DeJeefMe<ì HeefjHekeÌJeleekegÀue Devegceeefvele cetue jeefMe hej ueeiet

heefjJele&vekeÀejkeÀ lelJe

y³eepe oj mebefJeoe efJeefvece³e oj mebefJeoe

SkeÀ Je<e& ³ee Gmemes keÀce 0.50� 2.00�

SkeÀ Je<e& mes DeefOekeÀ heeb®e Je<e& lekeÀ 1.00� 10.00�

heeB®e Je<e& mes DeefOekeÀ 3.00� 15.00�

$eÝCe peesefKece keÀer ieCevee keÀjles mece³e ’efye¬eÀeriele efJekeÀuhees“ keÀes JeneB íes[ efo³ee peelee nw peneB keÀneR heerefce³ece / MegukeÀ ³ee efkeÀmeer Yeer ªhe ceW Dee³e heehle / Jemetueer nesleer nQ~

Yeejleer³e efj]peJe& yeQkeÀ kesÀ ceewpetoe efoMeeefveoxMeevegmeej kesÀ Devegmeej mebefJeoe kesÀ Jele&ceeve yeepeej cetu³e hej $eÝCe peesefKece keÀer ieCevee keÀer peeleer ns~ Fme hej ’ceevekeÀ“ ÞesCeer kesÀ $eÝCe Deeeqmle hej ueeiet heéJeOeeve pejleW Yeer ueeiet nw~ Jele&ceeve ceW peesefKeceJeeueer Deeeqmle³eeW hej 0.4� heéJeOeeve efkeÀ³ee peevee nw~ nceejs KeeleeW ceW yeQkeÀ Ghe³eg&ÊeÀ kesÀ Devegmeej Dehesef#ele heéJeOeeve keÀjles nQ~

��;�� cee$eelcekeÀ he´keÀìve

��


3.4. Asset Quality

(a) Non performing Advances


[�^� }��} ��}��[�^ �;�� ;��

[��^� ��"��} ��[��^

� �^� %��?�#�� ;�� ;�

� #^� ��?�� ;�� ;��

� �^� ��?�� ;�� ;��

� �^� \��?�#�� ;� ��;��

[��^ ��"��}��} ��

� �^� %��?�#�� ;�� ;��

� #^� ��?�� ;�� ;�

� �^� ��?�� ;�� ;��

� �^� \��?�#�� ;� ��;��

[��^ ��"��} �� [�!��?��^

� �^� %��?�#�� ;� ��;�

� #^� ��"��?�� ;� ��;��

� �^� ��>��'+��>#��!��

��;� ��;��

� �^� \��?�#�� ;� ��;�

(b) Non performing Investments


[�^ }��} |��}��|��"��[�^ ;�� ;��

[��^ ��"��} |��[��^

� �^� %��?�#�� ;�� ;�

� #^� ��?�� ;�� ;��

� �^� ��?�� ;�� ;��

� �^� \��?�#�� ;�� ;��

[��^ ��"��}��} |��

� �^� %��?�#�� ;� ��;��

� #^� ��?�� ;� �;�

� �^� ��?�� ;�� ;��

� �^� \��?�#�� ;�� ;�

[��^ ��"��} |��

� �^� %��?�#�� ;� ��;��

� #^� ��"��?�� ;� ��;��

� �^� ��>��'+��>#��!��

�;�� ;��

� �^� \��?�#�� ;� ��;�

3.4 Deeeqmle iegCeJeÊee (De) Devepe&keÀ Deeeqmle³eeb

efJeJejCe 2015-16 2014-15[�^ efveJeue DeefiećeeW ceW mes efveJeue SveheerS [�^ 7.79� 3.36�

[��^ SveheerS (mekeÀue) keÀe Gleej-®eæ{eJe

keÀ) DeejbefYekeÀ Mes<e 22193.24 11868.60

Ke) Je<e& kesÀ oewjeve heefjJeOe&ve 38606.23 16651.47

ie) Je<e& kesÀ oewjeve keÀceer 10920.34 6326.83

Ie) Debeflece Mes<e 49879.13 22193.24

[��^ efveJeue SveheerS keÀe Gleej-®eæ{eJe





[��^ SveheerS kesÀ efueS heéJeOeeveeW keÀe Gleej-®eæ{eJe (ceevekeÀ Deeeqmle³eeW hej heéJeOeeve keÀes íesæ[keÀj)


Ke) Je<e& kesÀ oewjeve efkeÀS ie³es heéJeOeeve 16346.05 6327.37

ie) yeÆs Keeles ceW/DeefleefjÊeÀ heéJeOeeve keÀes jeFì yeQkeÀ 3786.18 2457.37


(Ke) Devepe&keÀ Deeeqmle³eeb

efJeJejCe 2015-16 2014-15

[�^�� efveJeue efveJesMe hej efveJeue SveheerDeeF& [�^ 0.09� 0.21�

[��^� SveheerDeeF& (mekeÀue) keÀe he´Jeen





(��) efveJeue SveheerDeeF& keÀe Gleej-®eæ{eJe





[��^ SveheerDeeF& kesÀ efueS heéJeOeeveeW keÀe Gleej-®eæ{eJe


Ke) Je<e& kesÀ oewjeve efkeÀS ie³es heéJeOeeve 62.30 209.23

ie) DeefleefjÊeÀ heéJeOeeve keÀes jeFì yeQkeÀ/ yeÆs Keeles ceW

130.89 39.66


��

yeQkeÀ Dee@]HeÀ Fbef[³ee / BANK OF INDIA mebef#eHle Jeeef<e&keÀ efjHeesì& / Abridged Annual Report 2015-16(ke

À) Hegv

eie&efþ

le Ke

eleeW k

eÀe efJ

eJejC

e (He´y

ebOeve

Üeje

³eLee

mecesefk

eÀle D

eewj ue

sKee H

eefj#ek

eÀeW Ü

eje D

eeefÞe

le)

(a)

Part

icul

ars

of A

ccou

nts

Res

truc

ture

d [�

��

"��

��

#��

��"

��?

�"��

��

��

��

��#

��

��

��

��^

3.4.

2 20

15-1

6 kesÀ

oewje

ve Hegv

eie&efþ

le efke

ÀS pe

eves ke

sÀ DeO³

eOeerve

$eÝC

e Deee

qmle³ee

W keÀe

y³eewje

3.4.

2 D

etai

ls o

f Loa

n as

sets

sub

ject

ed to

rest

ruct

urin

g du

ring

2015

-16

Deveg.

keÀ

. Sr.

No

hegveie

&efþle

Keele

eW kesÀ

he´keÀe

jTy

pe of

Res

tructu

ring

meer[e

rDeej

ceskesÀe

fvepece

kesÀ l

enle

Unde

r CDR

Mec

hanis

mSc

eSceF

& $eÝC

e Hegve

ie&þve

kesÀ le

nle

Unde

r SME

Deb

t Res

tructu

ring

Dev³e

Ot

hers

kegÀue

Total

Deeeqm

le³eeW

keÀe e

fJeJejC

e ��

��

�@��

��

��+,

JeweqMJ

ekeÀ

Glob

alJewe

qMJeke

À Gl

obal

JeweqMJ

ekeÀ

Glob

alJewe

fÞJeke

À Gl

obal

y³eewjs

Detai

lsceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

talceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

tal

1efJe

lleer³e

Je<e&

kesÀ ³e

Lee 1

De

He´wue k

eÀes

Hegveie

&þerle

Jeeue

s (He

´ejbefYe

keÀ

Deebke

À[s)

��

��

��

��

��

��

��

��

_��[%

��

?�_�?

��^

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

�� [��^

� [�^

16 [^ [^

62 [��^

�

[��^

�� [��^

�� [�^1 [^

��

[��^

��

�[��

��^

��

[��

^�

�[��

�^� [^

��

[�

�^

��

�[��

��^

��

[��

^56

2[�

�^� [�^

��

�[�

��^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

��

;��[��

;��

^�

��;�

[��

;��^

��

;��[��

�;�^

;

[;^

��

;��[��

�;�

^��

�;��

[��;

�^��

�;�

[�;

^��

�;��

[�;��

^;�

�[;

��^

��

;�[

�;��

^�

��;�

�[��

�;��

^�

��;��

[��;�

�^��

��;�

[��;�

�^��

�;

[�;�

�^�

��;�

�[��

��;�

^�

��;�

�[�

��;�

�^��

��;��

[��

;�^

��

;�[

��;

^��

�;��

[��;�

^��

��;�

[�

��;�

�^

GveHej

HeeJeOeev

e �

��

��

��

��;

�[��

�;��^

��;��

[�;�

�^��

;��[;

��^

;

[;^

��;�

�[��

�;�^

��;��

[�;�

^�;�

�[�;

�^

;�

[�;��

^;

[;

^��

;��[��

;��^

��;�

�[��

�;��^

��;��

[��;�

^�

;�[�

;�^

�;��

[;^

��;�

�[��

�;��^

��;�

�[��

�;��^

�;

�[�

;��^

��;�

�[�

;��^

�;��

[;^

��

;��[

��;��

^

2Je<

e& kesÀ

oewje

ve lee

pee

Hegve&ie

efþle

_��

��

��

��?�

��

?��

��

��

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

�[

^ [�^

� [�^ [^

[��^

5[��

^1 [�^

1 [^ [^

�[��

^�

��

[�

�^��

[��^

�� [��^

; [�^

�

�[�

��^

��

�[�

��^

�[�

�^55 [��

^ [�^

��

[�

��^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

��;�

�[�

��;��

^;

[��

�;��^

��

;�[�

�;��

^;

[;

^�

�;��

[��

;��^

��;��

[��;�

�^�

;��[��

;��^

��;��

[��;�

^;

[;

^

;��

[��;�

�^��

�;�

[��

;��^

��;�

[��

�;�^

��;�

[��

�;��^

;

[;��

^��

��;��

[��

;��^

��

;[��

��;��

^��

;��

[��

;��^

��

;��[�

��;��

^;

[

;��^

��

;��[�

��;

^

GveHej

HeeJeOeev

e �

��

��

��

�;�

[��;��

^;

[�

;^

�;�

[��;�

^;

[;

^�

;��[�

;�^

;�

[�;�

^;

[;

��^

;

[>;�

^;

[;

^

;�

[�;��

^��

;�[��

;��^

;��

[��;�

^��

;��[�

;��^

;

[;��

^�

�;��

[��;�

^�

;�[��

;�^

;��

[��;��

^��

;��[��

;�^

;

[;��

^�

�;��

[��;�

�^

�efJe

Êeer³e

Je<e&

kesÀ o

ewjeve

Hegv

e&ieefþ

le cee

vekeÀ

He´Jeie

& ceW

GVe³e

ve ��

?��

��

��

��

��

��

��

��

��?��

��

��?��

��_�

�

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

[�^

[>�^

[^ [^

[^2 [�^

>� [>�^

[^ [^

[^5 [�^

>� [>�^

;

[>�^

[^ [^

�[�

^>�

[>^

[>�

^ [^

[^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

[��

�;��^

;

[>��

;��^

>�;�� [;^

;

[;^

>�;��

[��;�

�^�;�

�[�;

�^

>�;��

[>�;�

^;

[;

^;

[;

^;

[;

�^

��;�

[��;��

^>

�;�

[>��;�

�^;

[>

;��^

;

[;^

>�;��

[>�;�

�^

�;��

[��;�

�^>

�;��

[>��

;�^

>�;��

[>;�

�^

[;^

>�;�

[�;

�^

GveHej

HeeJeOeev

e �

��

��

��

;

[��;��

^;

[>�

�;��^

;

[;^

;

[;^

;

[>�;��

^;

[;

^;

[;

^;

[;

^;

[;

^;

[;

^�;�

�[�;

��^

>�;��

[>�;�

^;

[>

;��^

;

[;^

;

[>;�

^�;�

�[��

;��^

>�;��

[>��;�

^;

[>

;��^

[;

^;

[>�

;�^

��

yeQkeÀ Dee@]HeÀ Fbef[³ee / BANK OF INDIA mebef#eHle Jeeef<e&keÀ efjHeesì& / Abridged Annual Report 2015-16De

veg.

keÀ. Sr.

No

hegveie

&efþle

Keele

eW kesÀ

he´keÀe

jTy

pe of

Res

tructu

ring

meer[e

rDeej

ceskesÀe

fvepece

kesÀ l

enle

Unde

r CDR

Mec

hanis

mSc

eSceF

& $eÝC

e Hegve

ie&þve

kesÀ le

nle

Unde

r SME

Deb

t Res

tructu

ring

Dev³e

Ot

hers

kegÀue

Total

Deeeqm

le³eeW

keÀe e

fJeJejC

e ��

��

�@��

��

��+,

JeweqMJ

ekeÀ

Glob

alJewe

qMJeke

À Gl

obal

JeweqMJ

ekeÀ

Glob

alJewe

fÞJeke

À Gl

obal

y³eewjs

Detai

lsceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

talceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

tal

�Ssm

es Hegve

ie&efþl

e cee

vekeÀ

Deefie

ce efpe

veHej

efJeÊee

r³e Je<

e& keÀe

r mece

eeqHle

Hej G

Vele

HeeJeOe

eveerke

ÀjCe

Deewj

/ De

LeJee

Deefle

efjkeÌle

pee

sefKece

Yeej

uei

evee y

ebo n

w De

ewj Fm

eefueS

Gv

nW De

ieues

efJeÊee

r³e Je<

e& keÀ

er Heej

bYe ceW

Hegve&iee

fþle c

eeveke

À De

efiecee

W kesÀ ª

He ceW

oMee&v

es keÀe

r De

eJeM³

ekeÀle

e ven

eR nw

��

��

��

��

��

��

��

�+�

��

��

��

��

�?��

��

��?

��

��'��

��

��

��

��+�

�?��

��

��

��_

��

��

��

��

��#

��

�+��

��

��

��

��

��

��

��

��

��#�

?��

?��

��

!��_�

�

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

�[

^ [^

[^ [^

�[

^� [�

^ [^

[^ [^

� [�^

��

�[�

��^

[^ [^

[^�

��

[��

^�

�

[��

^ [^

[^ [^

��

[�

��^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

��;�

[�

�;^

;

[;^

;

[;^

;

[;^

��;�

[�

�;^

��;��

[��;��

^;

[;

^;

[;

^;

[;

^��

;��[��

;��^

��

;��[��

�;��^

;

[;^

;

[;^

;

[;^

��

;��[��

�;��^

��

;��

��;��

[;

^

[;^

[;

^��

�;��

[��

;��^

GveHej

HeeJeOeev

e �

��

��

��

�;�

[��;��

^;

[;

^;

[;

^;

[;

^�

;�[��

;��^

;�

[;��

^;

[;

^;

[;

^;

[;

^;�

[;

��^

��;�

[�

;��^

;

[;

^;

[;

^; [;^

��;�

[�

;��^

��;�

[��

;^

[;

^

[;^

[;

^��

�;�

[��;

^

5efJe

Êeer³e

Je<e& k

esÀ oe

wjeve H

egve&iee

fþle

Keele

eW keÀe

[e

Tvei

es[sMe

ve ]�+

�?��

��

��

��

��

��

��?�

��_�

�

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

>� [>�^

>� [�^�� [�^

[^ [^

>�� [>��^

>� [^

�� [��^

[^ [^

>��

[>��

^�

��[��

�^

��

[��^

1 [�^2 [^

>��

[>��

�^�

�[��

��^

��

[�^

1 [�^2 [^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

>��

;�[>�

��;�

^>�

��;�

[��;

�^��

�;��

[��;�

�^;

[;

^;

[�

�;��^

>��;�

[>�

��;��

^>�

�;��

[��;��

^�

�;��

[��;�

�^ [^

;

[�;��

^>��

�;��

[>��

�;�^

>��;�

�[�

�;��^

��

;�[�

�;�

^��

;�[��

;^

��;�

[�

�;��^

>��

;��[>�

��;�

�^>�

��;��

[��;�

�^��

�;�

[��

;�^

��;�

[��;

^�

�;�

[��;�

�^

GveHej

HeeJeOeev

e �

��

��

��

>��;�

�[>�

�;�^

>��;��

[>�;�

^��

�;��

[��;��

^;

[;

^;

[>�

�;��^

>�;�

[>�;��

^>;

�[>�

;��^

�;��

[�;�

^;

[;

^;

[>�

;��^

>�;��

[>��;�

^�;�

�[�

;��^

��;��

[��;��

^;

[;

�^

;

[>�;�

�^>��

�;��

[>��

;��^

>�;��

[>;�

^��

�;�

[�;�

�^;

[;

�^

;

[>��;�

�^

��

yeQkeÀ Dee@]HeÀ Fbef[³ee / BANK OF INDIA mebef#eHle Jeeef<e&keÀ efjHeesì& / Abridged Annual Report 2015-16De

veg.

keÀ. Sr.

No

hegveie

&efþle

Keele

eW kesÀ

he´keÀe

jTy

pe of

Res

tructu

ring

meer[e

rDeej

ceskesÀe

fvepece

kesÀ l

enle

Unde

r CDR

Mec

hanis

mSc

eSceF

& $eÝC

e Hegve

ie&þve

kesÀ le

nle

Unde

r SME

Deb

t Res

tructu

ring

Dev³e

Ot

hers

kegÀue

Total

Deeeqm

le³eeW

keÀe e

fJeJejC

e ��

��

�@��

��

��+,

JeweqMJ

ekeÀ

Glob

alJewe

qMJeke

À Gl

obal

JeweqMJ

ekeÀ

Glob

alJewe

fÞJeke

À Gl

obal

y³eewjs

Detai

lsceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

talceev

ekeÀ

Stan

dard

DeJecee

vekeÀ

Subs

tanda

rdmebefo

iOe

Doub

tful

neefve

Loss

kegÀue

Total

ceevekeÀ

St

anda

rdDeJ

eceeveke

À Su

bstan

dard

mebefoiOe

Do

ubtfu

lnee

fve Lo

sskegÀu

e To

tal

6efJe

Êeer³e

Je<e& k

esÀ oe

wjeve H

egve&iee

fþle

Keele

eW keÀe

s yeÆs

Keele

s ceW [

euevee

��

��>��

��

��

��

��

��

��

��?��

��_�

�

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

1 [�^ [�^

1 [^ [^

2[

^16 [�

^2 [�^

� [^1 [^

�� [�^

�[�

^5 [�^

16 [�^5 [^

�� [��^

25 [��^

�[�

^21 [�^

6 [^�� [�

^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

��;��

[��

;�^

;

[��;�

�^�

�;�

[��;

�^;

[;

^�

;�

[��

;��^

��;�

[�

;�^

�;��

[��;��

^��

;��[;

�^

;��

[;^

��;�

�[

�;��^

��

;��[�

;�^

�;��

[��;�

�^�

�;��

[��;��

^��

;�[>

�;��^

��

;��[��

�;�^

��

;��[�

��;��

^52

.21[��

�;��^

��;

�[��

�;��^

��;��

[>�;�

�^��

;��

[��

;��^

GveHej

HeeJeOeev

e �

��

��

��

�;�

[��;�

^;

[��

;�^

��;�

[;

��^

;

[;^

��;

[�

�;��

^;�

[;

��^

;��

[;^

��;�� [;^

;

[;^

��;��

[;��

^�

;��

[��;��

^��

;�[�;

��^

��;

[�;

��^

;��

[;^

��;

�[��

;��^

��;�

�[

;�^

��;�

[�;��

^��

�;�

[�;�

^;�

�[;

^��

�;��

[��;

�^

�efJe

Êeer³e

Je<e& k

esÀ ³eL

ee 31

cee®e

& keÀ

es Hegve

&ieefþl

e Ke

eleW (u

esKeey

eboer

Deebke

À[s)

��

��

��

��

��

��

��

��

��

��

_��[�

��?

��?

��¦^

�

GOeejk

eÀlee&De

eW keÀe

r mebK³e

e }�

;�%��

��

+��

� [��^

;

[�^

�� [�^

[^�� [��

^51

[�^

� [��^

�� [��^

[^�

�[�

�^��

��

[��

�^��

��[�

��^

��

[��^

� [�^��

��

[��

^��

��

[��

�^��

�[��

^

��

[��^

� [�^��

��

[��

�^

yekeÀe³e

e jeefMe

�"

��

%��

��

?

��;�

�[�

��;��

^;

[�

��;�

^��

��;�

[��

;��^

;

[;^

��

;�[��

��;��

^��

�;��

[��;�

�^�

�;�

[��;

�^��

�;��

[��;�

�^;

[;

��^

��

;�[�

��;�

^��

;��

[��

�;��^

��

;��[�

��;��

^��

;��

[��

;�^

��;�

�[��

�;^

��

�;��

[��

�;��^

��

;��[�

��;�

�^��

��;��

[��

;��^

��

;�

[��

;�^

��;�

�[��

�;��^

��

�;��

[��

�;�^

GveHej

HeeJeOeev

e �

��

��

��

��;�

[��

�;��^

;

[��;��

^�

�;��

[��;��

^;

[;

^

��;��

[��

;�^

�;��

[��;�

�^;�

[�;

��^

�;��

[;�

^;

[;

^�;�

� [��

;��^

155.1

5 [��

�;�^

��;�

[��

;�^

��;��

[�

;��^

;

[;��

^��

�;�

[�;�

^�

�;�

[��;�

�^��

;��

[�;

^�

�;��

[��;

�^;

[;

��^

��;�

[�

�;��

^

��


��#��@�� +�� ,�,��@� �� +@�� +� ��/��+, Reconstruction Company for Asset Reconstruction

A.

Sr. No. Particulars 2015-16 2014-15

�; }�"#�� ; ��; �??��?��[��

��^��j\'�\

; ��;��

��; �??��?�� ; ��;��

��

�; ;

� �??��?��?��'[��^��#��

>�;�� >��;�

B.

Particulars

Backed by NPAs sold by the Bank

as underlying

Backed by NPAs sold by other

��,\� ,�,��@�institutions/NBFC

Total

2015-16 2014-15 2015-16 2014-15 2015-16 2014-15��~��"��

��;�� ;� ; ; ��;�� ;�

� �� +��+]��@��+��

Sr. No. Particular 2015-16 2014-15

1 �� #�� _�� >��} �

; �;��¦

¦��`;��j��} ��?�_��>�

��#��@�� +�� ,+,*^��+�]�,�� ,�,��@� �� ^/�� sold (from/to other banks)

3.4.4.1 #��@��+��,+,*^��+�]�,��,�,��@��^/��


� [�^�}�;�� ?��

}|� }|�

� [#^��??��?��? }|� }|�

�� [�^�%��"#�� ?��

}|� }|�

� [#^��??��?��? }|� }|�

� ��~�#��@��+��,+,*^��+�]�,��,�,��@��+@��


;� }�;�� }|� }|�

�;� �??��?��? }|� }|�

�;� �??��?�� }|� }|�

3.4.3. Deeeqmle hegveie&þve kesÀ efueS heéfleYeteflekeÀjCe/hegveie&þve kebÀheveer keÀes yes®eer ieF& efJeÊeer³e Deeeqmle³eeW keÀe y³eewje

keÀ.

ke´À. meb.

efJeJejCe 2015-16 2014-15

�; KeeleeW keÀer mebK³ee ; �

��; Smemeer/Deejmeer keÀes yes®es ieS KeeleeW keÀe kegÀue cetu³e (heéJeOeeveeW keÀes IeìekeÀj)

; ��;��

��; kegÀue heéfleHeÀue ; ��;��

�� efJeiele Je<eeX ceW Debleefjle KeeleeW ces Jemetue efkeÀ³ee ngDee DeefleefjÊeÀ heéfleHeÀue

�; ;

� efveJeue yener cetu³e hej kegÀue Dee³e/(neefve) >�;�� >��;�

Ke.

efJeJejCe

SveheerS kesÀ meceLe&ve mes yeQkeÀ Üeje Deblee|venerle ªhe ceW yes®ee ie³ee

SveheerS kesÀ meceLe&ve mes Dev³e yeQkeÀeW/efJeÊeer³e mebmLeeveeW/SveyeerSHeÀmeer Üeje yes®ee ie³ee

kegÀue

2015-16 2014-15 2015-16 2014-15 2015-16 2014-15

heéfleYetefle³eeW keÀer heéeqhle ceW efveJesMe keÀe yener cetu³e

��;�� ;� ; ; ��;�� ;�

ie. SveheerS keÀer efye¬eÀer mes ueeYe

ke´À. meb. efJeJejCe 2015-16 2014-15

1 SveheerS keÀer efye¬eÀer kesÀ mebyebOe ceW efJeÊeer³e Je<e& 2015-16 ceW efkeÀ³ee ie³ee ueeYe

; �;��¦

* efJeÊeer³e Je<e& 2013-14 kesÀ oewjeve SveheerS keÀer efye¬eÀer kesÀ keÀejCe `;�� keÀjesæ[ ©he³es Meeefceue nQ

3.4.4. Kejeroer ieF& / yes®eer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe y³eewje (Dev³e yeQkeÀeW mes/keÀes) 3.4.4.1 Kejeroer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe y³eewje

efJeJejCe 2015-16 2014-151 (keÀ) Je<e& kesÀ oewjeve Kejeros ieS KeeleeW keÀer mebK³ee Metv³e Metv³e (Ke) kegÀue yekeÀe³ee Metv³e Metv³e2 (keÀ) FveceW mes Je<e& kesÀ oewjeve efkeÀleves KeeleeW keÀe

hegveie&þve efkeÀ³ee ie³ee

Metv³e Metv³e

(Ke) kegÀue yekeÀe³ee Metv³e Metv³e

3.4.4.2 yes®eer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe y³eewje:

efJeJejCe 2015-16 2014-151. yes®es ieS KeeleeW keÀer mebK³ee Metv³e Metv³e2. kegÀue yekeÀe³ee Metv³e Metv³e3. heéhle kegÀue heéfleHeÀue Metv³e Metv³e

��


3.4.5 Provisions on Standard Assets

Particulars As at 31.03.2016

As at 31.03.2015

��+��j��[��"��|^

��;�� ;�

3.5 Business Ratios

Sr. No. Particulars 31.03.2016 31.03.2015

[�^ |��|��"��?��?��?�_��

�;�� ;��

[��^ }��>��"��?��?��?�_��

;�� ;��

[��^ %��?� ��?��?��?�_��

;�� ;��

[��^ �� >;�� ;��

[�^ ��"��[��^

�;�� ;��

[��^ ��"�� >;�� ;��

3.6 Asset Liability Management Maturity pattern of certain items of assets and liabilities

as on 31st March 2016

efJeJejCe ]�� 1 efove(01/04/2015)

]��

['�'��^

2 mes 7 efove (02/04/2015)

mes(07/04/2015)

��[�'�'��

<��'�'��^

8 mes 14 efove(08/04/2015)

mes (14/04/2015)

��<%��]��j�

[�'�'��

�'�'��^

15 mes 28 efove(15/04/2015)

mes(28/04/2015)

��<%��]��j�[�'�'��

��'�'��^

28 efovemes DeefOekeÀ 3cenerves lekeÀ

(29/04/2015)mes

(30/06/2015)

%��"�� [��'�'��

��'�'��^

3 ceefnveeW mes DeefOekeÀ SJeb 6 cenerveeW lekeÀ

(01/07/2015)mes

(30/09/2015)

%��"��"��

['�'��

��

�'�'��^

6 ceefnveeW mes DeefOekeÀ SJeb 1 Je<e& lekeÀ

(01/10/2015)mes

(31/03/2016)

%��"��;�

[''��

��

�'�'��^

1 Je<e& mes DeefOekeÀ SJeb 3 3 Je<eeX lekeÀ

(01/10/2015)mes

(31/03/2016)

%��;�['�'��

��'�'��^

1 Je<e& mes DeefOekeÀ SJeb 3 3 Je<eeX lekeÀ

(01/10/2015)mes

(31/03/2016)

%��;�

['�'��'�'��^

5 Je<e& mes DeefOekeÀ kegÀue

(31/03/2015)kesÀ HeM®eele

%��

��[��'�'��^

kegÀue

<%<�� [�<%�^

peceejeefMe³eeb ]�� ;� ��;� ��;� ��;� ��;� ��;�� ;�� ;�� ;� ��;� ��;��

[��;��^ [��;��^ [��;�^ [��;��^ [��;��^ [��;��^ [��;��^ [��;��^ [��;��^ [��;��^ [��;��^

Deefiece �� ;�� ;�� ;�� ;� ��;� ��;� ��;�� ;�� ;� ��;�� ;��

[��;�^ [��;��^ [��;��^ [��;��^ [��;��^ [��;�^ [��;^ [��;��^ [��;��^ [��;��^ [��;��^

efveJesMe |��"�� ;� �;�� ;�� ; ��;�� ;�� ;�� ;� ��;�� ;�� ;�

[��;��^ [��;��^ [�;��^ [��;�^ [��;��^ [��;��^ [��;�^ [��;��^ [��;�^ [��;��^ [��;�^

GOeej ��+��?� ��;�� ;�� ;�� ;�� ;�� ;� ��;� ��;�� ;�� ;�� ;�

[��;��^ [��;^ [��;��^ [��;�^ [��;^ [��;�^ [��;��^ [��;��^ [��;�^ [;��^ [��;�^

keÀ. efJeosMeer cegêe Deeeqmle³eeb

[�^� _��?�� \��

��;� ��;�� ;� ��;�� ;� ��;� ��;� ��;� ��;�� ;� ��;��

[��;��^ [��;��^ [��;�^ [��;�^ [��;��^ [��;��^ [��;��^ [��;��^ [��;��^ [��;^ [��;��^

Ke.efJeosMeer cegêe os³eleeSb

[#^� _��?�� \�� #��

��;�� ;�� ;�� ;� ��;�� ;�� ;�� ;�� ;�� ;� ��;��

[��;^ [��;��^ [��;��^ [��;^ [��;��^ [��;��^ [��;�^ [��;��^ [��;�^ [��;��^ [��;��^

3.4.5 ceevekeÀ Deeeqmle³eeW hej heéJeOeeve

efJeJejCe ³eLee31.03.2016

³eLee31.03.2015

ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve (DeejyeerDeeF& kesÀ cegleeefyekeÀ)

2285.85 2373.50

3.5 keÀejesyeej Devegheele

ke´À.meb.

efJeJejCe31.03.2016 31.03.2015

[�^ Deewmele keÀe³e&Meerue efveefOe³eeW ceW y³eepe Dee³e keÀe heéfleMele

�;�� ;��

[��^ Deewmele keÀe³e&Meerue efveefOe³eeW ceW iewj-y³eepe Dee³e keÀe heéfleMele

;�� ;��

[��^ Deewmele keÀe³e&Meerue efveefOe³eeW ceW heefj®eeueve ueeYe keÀe heéfleMele

;�� ;��

[��^ Deeeqmle³eeW hej heéfleHeÀue >;�� ;��

[�^ heéfle keÀce&®eejer keÀejesyeej (peceejeefMe+Deefieće) �;�� ;��

[��^ heéfle keÀce&®eejer ueeYe >;�� ;��

3.6 Deeeqmle os³elee heýebOeve Deeeqmle³eeW SJeb os³eleeDeeW keÀer keÀeflehe³e ceoeW keÀe heefjhekeÌJelee hekeÀej ³eLee 31 cee®e&, 2016

�


3.7 Exposures3.7.1 Exposure to Real Estate Sector

Sr. No. Category As at

31.03.2016As at

31.03.2015

�^ ]��=!�� 25900.86 35010.19[�^ ��?�?�� ;�� ;�

%��+�� j��?��

��;�� ;��

[��^ \�""��=�� ;�� ;��

[��^ |��"��?�?��j��[��j^��=!��

��;�� ;

�^

#^

��

\�""��=��

��;�

��;��

;

;

#^ |��=!�� 5477.00 12501.18_��#��>��#��!��}��$��?��[}$�^��$��?�_��\�"��[$_\�^�

��; ��;�

Total exposure to Real Estate Sector 31377.86 47511.37

3.7.2 Exposure to Capital Market

Sr. No Category 31.03.2016 31.03.2015

�^ ]�� "�� *�� #�� #��#�� #�� *��>�� "�� +�� !�� #�©

��;�� ;��

��^ �� ?�� '#��'��#�� #�� "�� [��?�| %�'=j% �^��#�� #��#�� #�� *��>�� "��©

;�� ;��

��^ �� +�� #�� #�� #��#�� *�� "�� "��©

�;�� ;��

��^ �� !�� #�� #�� #�� #�� #�� *�� "�� ;�;� +�� "�� '��#��#��'��#�� #��'�� *�� "�� ©

��;� �;�

�^ j�� #�� ?�� #�� #�� "��"��©

��;�� ;��

3.7 SkeÌmehees]pej3.7.1 efj³eue Fmìsì #es$e nsleg SkeÌmehees]pejke´À.meb. he´Jeie&

³eLee31.03.2016

³eLee31.03.2015

S. he´l³e#e SkeÌmehees]pej 25900.86 35010.19[�^ DeeJeemeer³e yebOekeÀ 17891.74 24370.20

efpemeceW mes heéLeefcekeÀlee heéhle #es$e kesÀ ie=n $eÝCe

8606.77 12688.53

[��^ J³eJemeeef³ekeÀ efj³eue Fmìsì 7638.78 10639.39[��^ efiejJeer jKeer ie³eer heéfleYetefle³eeW

(SceyeerSme) Deewj Dev³e heéfleYeteflele SkeÌmeheespej ceW efveJesMe

370.34 0.00

DeeJeemeer³eJ³eJemeeef³ekeÀ efj³eue Fmìsì

46.80323.54

0.000.00

ye Dehe´l³e#e SkeÌmeheespej 5477.00 12501.18vesMeveue neGeEmeie yeQkeÀ (SveS®eyeer) Deewj neGeEmeie HeÀeFveWme kebÀheveer (S®eSHeÀmeerped) hej efveefOe DeeOeeefjle SJeb iewj efveefOe DeeOeeefjle SkeÌmeheespej

5477.00 12501.18

efj³eue Fmìsì meskeÌìj nsleg kegÀue SkeÌmeheespej 31377.86 47511.37

3.7.2.hetbpeer yeepeej nsleg SkeÌmeheespej

ke´À.meb. he´Jeie& ³eLee

31.03.2016³eLee

31.03.2015�^ FeqkeÌJeìer Mes³ej, heefjJele&veer³e yee@C[, heefjJele&veer³e

ef[yeW®ej leLee FeqkeÌJeìer DeefYecegKe c³et®egDeue HeÀC[ ceW efveJesMe efpevekeÀer DeeOeejYetle efveefOe kesÀJeue keÀeheexjsì $eÝCe ceW he´l³e#e efveJesMe veneR efkeÀ³ee ie³ee;

969.73 910.47

��^ Mes³ejeW/yee@C[eW/ef[yeW®ejeW/Dev³e heéfleYetefle³eeW kesÀ mece#e ³ee yespeceeveleer DeeOeej hej J³eefÊeÀ³eeW keÀes Mes³ejeW(DeeF&heerDees/F&SmeDeesheerSme meefnle)heefjJele&veer³e yee@C[/ heefjJele&veer³e ef[yeW®ej Deewj FeqkeÌJeìer GvcegKe c³eg®egDeue HebÀ[eW keÀer ³etefveìeW ceW efveJesMe kesÀ efueS Deefieće;

10.89 12.88

��^ Dev³e he´³eespeveeW kesÀ efueS Deefieće, peneB Mes³ejeW ³ee heefjJele&veer³e yeeb[eW ³ee heefjJele&veer³e ef[yeW®ejeW ³ee FeqkeÌJeìer GvcegKe c³et®egDeue HeÀC[eW keÀer ³etefveì keÀes heéLeefcekeÀ heéfleYetefle kesÀ ªhe ceW efue³ee ie³ee nw;

8.57 4.96

��^ Mes³ejeW ³ee heefjJele&veer³e yeeC[eW ³ee heefjJele&veer³e ef[yeW®ejeW ³ee FeqkeÌJeìer GvcegKe c³et®egDeue HeÀC[eW keÀer ³egefveìeW keÀer mebheee|éekeÀ heéfleYetefle Üeje heéfleYetle meercee lekeÀ, DeLee&le peneB cetueYetle heéfleYetefle Mes³ejeW/ heefjJele&veer³e yeeC[eW/ heefjJele&veer³e ef[yeW®ejeW/ FeqkeÌJeìer GvcegKe c³et®egDeue HeÀC[eW keÀer ³etefveìeW kesÀ DeueeJee hetCe&le³ee DeefiećeeW keÀes keÀJej veneR keÀjleer nQ, efkeÀvneR Dev³e he´³eespeveeW kesÀ efueS Deefieće;

49.08 210.80

�^ mìe@keÀ yeéskeÀjeW keÀes peceeveleer SJeb iewj peceeveleer Deefieće SJeb mìe@keÀ yeéskeÀjeW leLee yeepeej efveOee&jkeÀeW keÀer Deesj mes peejer ieejbefì³eeB;

2225.69 2569.35

�


Sr. No Category 31.03.2016 31.03.2015

��^ �� ?�� '#��'��#�� #�� "��?� ��"�� #�� *�� +� \�"�� ?��©

; ;

��^ ��?�� \�"��?�� !�� *�� +�'��©

; ;

��^ ��+��?��""��"�� #�� #�� "�� #�� #�� #��#�� *��"��©

; ;

�!^ _��?� �� #�� "��?��?©

; ;

!^ �� !�� ~�� \��_�� [#�� ?�� ?��^�

��;�� ;�

Total Exposure to Capital Market 3698.34 4300.64

3.7.3. Risk Category wise Country Exposure

Sr. No. Risk Category

As at 31.03.2016 As at 31.03.2015

Exposure (Net)

Provision held

Exposure (Net)

Provision held

1 |��?�� ;�� ;�� ;� ��;��

2 ��+ ��;�� ;�� ;� �;�

� �� ;�� – ��;�� ;

� $�?� ��;�� – ��;�� ;

5 ~��$�?� ;�� – ;� ;

6 �� – – ;�� ;

� %�� – – �;�� ;

Total 73,891.92 90.18 1,02,776.61 93.76

3.7.4 Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the Bank as on 31st March, 2016:

Sr. No.

Name of the Borrower

Exposure Ceiling

Limit Sanctioned

Outstanding as on 31.03.2016

1. j��?��+��

}�� }|� }|� }|�

2. ��+��

}�� }|� }|� }|�

� =!��j �\��+��?��#��|�[�� "��^

ke´À.meb. he´Jeie& ³eLee

31.03.2016³eLee

31.03.2015��^ mebmeeOeveeW keÀer Je=ef× keÀer he´l³eeMee ceW veF& kebÀheefve³eeW

keÀer FeqkeÌJeìer kesÀ efueS he´Jele&keÀeW kesÀ DebMeoeve keÀes hetje keÀjves kesÀ efueS Mes³ejeW/yeeC[eW/ ef[yeW®ejeW keÀer heéfleYetefle ³ee Dev³e heéfleYetefle³eeW kesÀ mece#e ³ee yespeceeveleer DeeOeej hej kebÀheefve³eeW kesÀ efueS mJeerke=Àle $eÝCe;

0.00 0.00

��^ Dehesef#ele FeqkeÌJeìer he´Jeen/efveie&ceeW kesÀ mece#e kebÀheefve³eeW kesÀ efueS hetjkeÀ $eÝCe;

0.00 0.00

��^ Mes³ejeW ³ee heefjJele&veer³e yeeC[eW ³ee heefjJele&veer³e ef[yeW®ejeW ³ee FeqkeÌJeìer GvcegKe c³eg®egDeue HeÀC[eW kesÀ heéLeefcekeÀ efveie&ce kesÀ mebyebOe ceW keÀer ieF& neceeroejer heéfleye×leeSb;

0.00 0.00

�!^ ceee|peve J³eJemee³e nsleg mìe@keÀ yeéskeÀjeW kesÀ efueS efJeÊehees<eCe;

0.00 0.00

!^ GÐece kesÀ efueS hetbpeer efveefOe nsleg mecemle SkeÌmeHeespej (hebpeerke=Àle Deewj Dehebpeerke=Àle oesveeW)

434.38 592.18

hetbpeer yeepeej ceW kegÀue SkeÌmehees]pej 3698.34 4300.64

3.7.3 peesefKece he´Jeie& Jeej osMe keÀe SkeÌmehees]pej

ke´À.meb. peesefKece He´Jeie&

³eLee efoveebkeÀ 31.03.2016 ³eLee efoveebkeÀ 31.03.2015

SkeÌmehees]pej (efveJeue)

Oeeefjle HeéJeOeeve

SkeÌmehees]pej(efveJeue)

Oeeefjle heéJeOeeve

1 veieC³e 42,088.27 49.79 65,483.08 72.96

2 v³etve 26,978.77 40.39 32,375.71 20.80

3 meeOeejCe 3,528.22 – 3,510.95 0.00

4 G®®e 1,295.97 – 1,282.68 0.00

5 yengle G®®e 0.69 – 111.13 0.00

6 HeéfleyebefOele – – 0.36 0.00

7 Dee@HeÀ kes´Àef[ì – – 12.68 0.00

kegÀue 73,891.92 90.18 1,02,776.61 93.76

3.7.4 ³eLee 31 cee®e&, 2016 yeQkeÀ Üeje yeæ{eF& ieF& SkeÀue GOeejkeÀlee& meercee (SmeyeerSue), meecetefnkeÀ GOeejkeÀlee& meercee (peeryeerSue) kesÀ y³eewjs

¬eÀ. meb.

GOeejkeÀlee& keÀe veece SkeÌmeHeespej meercee

mJeerke=Àle meercee

³eLee 31.03.2016 keÀes yekeÀe³ee

1. SkeÀue GOeejkeÀlee&

keÀesF& veneR Metv³e Metv³e Metv³e

2. meecetefnkeÀ GOeejkeÀlee&

keÀesF& veneR Metv³e Metv³e Metv³e

SceSmeheerpeermeer hej SkeÌmehees]pej, DeejyeerDeeF& Üeje yeQkeÀeW keÀes efoS efJeJeskeÀeefOekeÀej kesÀ Debleie&le nw (efJeJeskeÀhetCe& meerceeDeeW kesÀ Thej, hetbpeeriele efveefOe³eeW keÀe 5�)

��


Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the Bank as on 31st March, 2015:

Sr. No.

Name of the Borrower

Exposure Ceiling

Limit Sanctioned

Outstanding as on 31.03.2015

1. j��?��+��

}�� }|� }|� }|�

2. ��+��

}�� }|� }|� }|�

Note:�]��#��"��?�#��?��"��;�=!��+��?��+��+��"��"��;

3.7.5. Unsecured Advances:

Particulars 2015-16 2014-15<�� "�� ?��?�� ?�� ?�#�� ?�� ;�

��;�� ;�

=��"�� ?�#��

��;� ��;��

3.8. Miscellaneous

3.8.1. Amount of Provisions made for Income-tax during the year

Particulars 2015-16 2014-15 ��|��"��<�! ��;� ��;��

��]��<�! >��;�� >��;��

Total -1701.55 86.13

3.8.2. Disclosures of Penalties imposed by RBI

Particulars 2015-16 2014-15 �� "�� j�� [�^��<��?��?��

;� ;�

� <�� |� �� ;�;�� #��"��+� �� \��"�� [��\^'�� ?[��^�#�� +�� "� ��"�� "�� "��*��"��;

4. Extracts of Disclosures as per Accounting Standards (AS) where RBI has issued guidelines in respect of disclosure items for Notes to Accounts:

� �� +/,��,��,��"]^@+_��,�� ]��?��|��>

��#��|\��>��+��+��+��"��#��;�<��"��?�� ?��"�� !�� ?�� ?�� "��#��?��!��#��`� ��;��+��*��}��#��`� ��;��[��!��"��^��;

³eLee 31 cee®e&, 2016 yeQkeÀ Üeje yeæ{eF& ieF& SkeÀue GOeejkeÀlee& meercee (SmeyeerSue), meecetefnkeÀ GOeejkeÀlee& meercee (peeryeerSue) kesÀ y³eewjs

¬eÀ. meb.

GOeejkeÀlee& keÀe veece SkeÌmeHeespej meercee

mJeerke=Àle meercee

³eLee 31.03.2016 keÀes yekeÀe³ee

1. SkeÀue GOeejkeÀlee&keÀesF& veneR Metv³e Metv³e Metv³e

2. meecetefnkeÀ GOeejkeÀlee&keÀesF& veneR Metv³e Metv³e Metv³e

veesì: he´keÀìve nj ceen kesÀ Deble ceW yekeÀe³ee eqmLeefle keÀer yeQkeÀ Üeje efveiejeveer hej DeeOeeefjle nw~ he´l³eskeÀ ceen kesÀ Deble ceW meYeer GOeejkeÀlee& mecetn hej yeQkeÀ keÀe SkeÌmhees]pej efJeJeskeÀhetCe& ceeveob[eW kesÀ Debleie&le Les~

3.7.5 iewj-peceeveleer Deefieće

efJeJejCe 2015-16 2014-15Decetle& heéfleYetefle³eeb pewmes DeefOekeÀej, ueeFmesvme, heéefOekeÀej Deeefo kesÀ heÝeej hej yekeÀe³ee Deefieće keÀer kegÀue jeefMe.

1,030.55 2,203.04

Ssmeer Decetle& mebheee|éekeÀ heéfleYetefle keÀe Devegceeefvele cetu³e 706.14 2,154.53

3.8. efJeefJeOe 3.8.1 Je<e& kesÀ oewjeve Dee³ekeÀj nsleg efkeÀS heéJeOeeve keÀer jeefMe

efJeJejCe 2015-16 2014-15Dee³ekeÀj kesÀ efueS heéJeOeeve 1615.09 989.48DeemLeeefiele keÀj kesÀ efueS heéJeOeeve -3316.64 -903.35kegÀue -1701.55 86.13

3.8.2 Yeejleer³e efj]peJe& yeQkeÀ Üeje ueiee³eer ieF& Meeeqmle³eeW (hesveuìer]pe) keÀe he´keÀìve

Particulars 2015-16 2014-15Yeejleer³e efj]peJe& yeQkeÀ Üeje yeQeEkeÀie efJeefve³ece DeefOeefve³ece, 1949 keÀer Oeeje 46(4) kesÀ Debleie&le ueieeF& ieF& Meeeqmle³eeb (hesveuìer)

0.17 0.18

Yeejleer³e efj]peJe& yeQkeÀ ves Deheveer he´sme efJe%eeqhle efo. 29.04.2015 kesÀ ceeO³ece mes yeQkeÀ keÀes me®esle efkeÀ³ee Lee Deewj Deheves ieénkeÀ keÀes peeefveS (kesÀJeeF&meer)/Oeve MeesOeve efveJeejCe (SSceSue) mes mebyebefOele Gef®ele Ghee³e keÀjves leLee YeefJe<³e ceW FmekeÀer DeeJeM³ekeÀleeDeeW kesÀ meKle Devegheeueve keÀes megefveeq½ele keÀjves nsleg mece³e mece³e hej FmekeÀer meceer#ee keÀjves keÀer met®evee oer Leer~

4. uesKeebkeÀve ceevekeÀeW (SSme) kesÀ Devegmeej Dehesef#ele hekeÀìve peneb Yeejleer³e efj]peJe& yeQkeÀ ves uesKes hej efìhheefCe³eeW kesÀ hekeÀìve ceoeW kesÀ efJe<e³e hej efoMeeefveoxMe peejer efkeÀS nQ:

4.1 uesKeebkeÀve ceevekeÀ 15 - keÀce&®eejer ueeYe

Je<e& kesÀ oewjeve yeQkeÀ ves SueDeeF&meer 1994-96 ìsyeue, efpemekeÀe keÀce&®eejer ueeYe kesÀ mebyebOe ceW efHeíues Je<e& lekeÀ DevegmejCe efkeÀ³ee peelee Lee, kesÀ mLeeve Hej DeeF&SSueSce 2006-08 keÀe mJeerkeÀej efkeÀ³ee~ ceesìe&efueìer ìsyeue ceW Fme He´keÀej kesÀ HeefjJele&ve kesÀ keÀejCe, JeemleefJekeÀ ueeYe Deewj neefve keÀer meercee lekeÀ uesKee DevegceeveeW ceW Ssmes HeefjJele&ve kesÀ Demej kesÀ HeefjCeecemJeªHe Je<e& kesÀ efueS ` 909.77 (keÀj kesÀ Demej keÀes íesæ[keÀj) keÀer neefve keÀer HeefjCeeceer Je=efOo kesÀ meeLe Heefj®eeueve Ke®e& ceW ` 1391.25 keÀer Je=eqOo ngF& nw~

��


4.2 Accounting Standard 17 - Segment Reporting Part A: Business Segment

[¦^��<�� ?�� %�� ?�%��;

Part B: Geographical Segment

keÀejesyeej Keb[ Business SegmentkeÀes<eieej Heefj®eeueve Treasury Operations

LeeskeÀ yeQefkebÀie Heefj®eeueve

Wholesale Banking Operations

Kegoje yeQefkebÀie Heefj®eeueve

Retail Banking Operations

Dev³e yeQefkebÀie (*)Other Banking

OperationskegÀue Total

2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15

jepemJe �� ;�� ;�� ;� ��;� ��;�� ; � ; ; ��;� ��;��

iewj-Deeyebefìle jepemJe �� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [��;�^ �;�

Deblej Keb[ jepemJe |��?"�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [�;��^ [��;��^

kegÀue jepemJe <�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ��; ��;�

heefjCeece �� ;� ��;�� [��;��^ ��;� [�;�^ �;�� ; ; [��;�^ ��;��

iewj-Deeyebefìle J³e³e ��=!�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [��;��^ [��;��^

heefj®eeueve ueeYe %��?� ��'[��^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [��;��^ ��;�

Dee³ekeÀj |��"��<�! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [�;��^ ��;�

DemeeOeejCe ueeYe/neefve =!�� '[��^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ;

efveJeue ueeYe }�� '[��^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [��;�^ ��;��

Dev³e peevekeÀejer Other Information :

Keb[ Deeeqmle³eeb j�?"�� ;�� ;� ��;�� ;� ��; ��;� ; ; ��;�� ;��

iewjDeeyebefìle Deeeqmle³eeb �� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ��;�� ;��

kegÀue Deeeqmle³eeb <�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ��;�� ;��

Keb[ os³elee j�?"��#�� ;� ��;� ��;�� ;� ��;�� ;� ; ; ��;�� ;

iewj Deeyebefìle Deeeqmle³eeb ��#�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ��;�� ;

kegÀue Deeeqmle³eeb <��#�� XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ��;� ��;�

YeewieesefuekeÀ KeC[ Geographical Segments mJeosMeer Domestic

Debleje&äêr³e International

kegÀue Total

efJeJejCe �� 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15

jepemJe �� 40363.59 42650.53 5085.42 5012.08 45449.01 47662.61

Deeeqmle³eeb �� 438459.73 455336.49 171454.20 163361.27 609913.93 618697.76

� <�� ?�� j�?"�� "��?� ��?"�� ?�� j�?"�� j��?"��+��|�?��"��+��?�j��;

Primary Segment: Business Segments�^� Treasury Operations:� ¨<��

j�?"��?� �� "��;�;� ��?� �� "�� j�� %��_��!�%��;

#^� Wholesale Banking:� �� ?� �� +��?;

�^� Retail Banking :��?��!��+��+��?��+��{�^� =!��¡�<��"�!�"�"��??��?��!�� 5.��^� <�� `� �� ;�;� ��

��?�� !��?��+��;

4.2 uesKeebkeÀve ceevekeÀ 17 - Keb[ efjheese\ìie Yeeie - keÀ : keÀejesyeej KeC[

[¦^�yeQkeÀ keÀe keÀesF& DeLe&hetCe& ’Dev³e yeQeEkeÀie heefj®eeueve“ veneR nw~

Yeeie Ke : YeewieesefuekeÀ KeC[

yeQkeÀ ves uesKeebkeÀve ceevekeÀ (SSme) 17 kesÀ Devegheeueve ceW Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegªhe heéLeefcekeÀ efjheese\ìie Jeeues Keb[eW Deewj ieewCe Keb[ kesÀ ªhe ceW YeewieesefuekeÀ Keb[eW keÀes ceev³elee oer nw~

heéLeefcekeÀ Keb[ : keÀejesyeejer Keb[keÀ) keÀes<eeieej heefj®eeueve: Keb[ efjheese\ìie kesÀ GÎsM³e nsleg keÀes<eeieej ceW mebhetCe&

efveJesMe mebefJeYeeie Meeefceue nQ pewmes mejkeÀejer leLee Dev³e heéfleYetefle³ee@b, cegêe yeepeej heefj®eeueve leLee HeÀe@jskeÌme heefj®eeueve ceW uesveosve~

Ke) LeeskeÀ yeweEkeÀie: LeeskeÀ yeweEkeÀie ceW Jen meYeer Deefieće meeqcceefuele nQ pees Kegoje yeQeEkeÀie kesÀ Debleie&le meeqcceefuele veneR efkeÀS ieS nQ~

ie) Kegoje yeQeEkeÀie: Kegoje yeQeEkeÀie ceW Jen efveJesMe meeqcceefuele nQ pees efvecveefueefKele oes ceeveob[eW keÀes hetCe& keÀjles nQ :

�^�� SkeÌmeheespej: DeefOekeÀlece kegÀue SkeÌmeheespej ` 5 keÀjesæ[ lekeÀ ~ ��^�� kegÀue Jeee|<ekeÀ ìve&DeesJej 50 keÀjesæ[ mes keÀce DeLee&le ceewpetoe keÀcheefve³eeW kesÀ

ceeceues ceW efJeiele 3 Je<eeX keÀe Deewmele ìve&DeesJej Deewj veF& keÀcheefve³eeW kesÀ efueS hetJee&vegceeefvele ìve&DeesJej nw~

��


Deblej KeC[er³e DeblejCeeW keÀe cetu³e efveOee&jCeKegoje yeQeEkeÀie KeC[ SkeÀ heéLeefcekeÀ ñeesle mebień FkeÀeF& nw SJeb LeeskeÀ KeC[ Deewj keÀes<eeieej KeC[, Kegoje yeQeEkeÀie KeC[ keÀes GmekesÀ Üeje GOeej oer ieF& efveefOe³eeW keÀer #eeflehete|le peceejeefMe³eeW keÀer Deewmele ueeiele keÀes ¢eqäiele jKeles ngS keÀjles nQ~

ueeiele keÀe efJeefve³eespevekeÀ) efJeMes<e KeC[ keÀes meerOes heóeve efkeÀS ieS J³e³eeW keÀes mebyebefOele KeC[ ceW efJeefve³eesefpele

efkeÀ³ee ie³ee nw~

Ke) efJeMes<e KeC[ keÀes meerOes ve heóeve efkeÀS ieS J³e³eeW keÀes keÀce&®eeefj³eeW/meb®eeefuele keÀejesyeej keÀer mebK³ee kesÀ Devegheele ceW efJeefve³eesefpele efkeÀ³ee ie³ee nw~

ieewCe KeC[ : YeewieesefuekeÀ KeC[keÀ) mJeosMeer heefj®eeueve

Ke) Debleje&äêr³e heefj®eeueve

4.3. uesKeebkeÀve ceevekeÀ 18 mebJ³eJenejeW mes mebyebefOele he#ekeÀej : heýebOeve Üeje mebkeÀefuele leLee uesKee hejer#ekeÀeW Üeje efJeéeeme efkeÀ³ee ie³ee

I) mebyebefOele he#ekeÀejeW keÀer met®eer(keÀ) cegK³e heýebOekeÀer³e keÀee|cekeÀ : heýebOe efveosMekeÀ SJeb meerF&Dees : Þeer cesueefJeve Dees. jsiees (14.08.2015 mes) DeO³e#e SJeb heýebOe efveosMekeÀ : Þeerceleer Jeer.Deej.De³³ej (31.05.2015 lekeÀ) keÀe³e&heeuekeÀ efveosMekeÀ ieCe : Þeer efye.heer. Mecee& Þeer DeªCe ÞeerJeemleJe (14.05.2015 lekeÀ) Þeer Deej.heer. cejeþs Þeer Deej.S. MebkeÀjveeje³eCe (15.05.2015 mes)(Ke) Deveg<ebefie³eeB : [�^�� yeerDeesDeeF& Mes³ejneseÅu[ie efueefceìs[ [��^�� yeerDeesDeeF& SkeÌmee FveJesmìceWì cewvepeme& heéFJesì efue. [��^�� yeerDeesDeeF& SkeÌmee ì^mìer mee|Jemesped heéFJesì efue. [��^ yeerDeesDeeF& ce®e¥ì yeQkeÀme& efue. (31.10.2014 mes ) [�^ heerìer yeQkeÀ Dee@HeÀ Fbef[³ee Fb[esvesefMe³ee ìeryeerkesÀ [��^ yeQkeÀ Dee@]HeÀ Fbef[³ee (lebpeeefve³eeb) efue. [��^� yeQkeÀ Dee@]HeÀ Fbef[³ee (v³etpeeRueQ[) efue. [��^ yeQkeÀ Dee@]HeÀ Fbef[³ee (³egieev[e) efue. [�!^ yeQkeÀ Dee@]HeÀ Fbef[³ee (yeeslmJeevee) efue

(ie) mene³ekeÀ kebÀheefve³eeb : [�^ SmeìermeerDeeF& HeÀeFvewvme efueefceìs[ [��^ SSmeDeejF&meer (Fbef[³ee) efue. [��^ Fb[es-peeeqcye³ee yeQkeÀ efue. [��^ yeQkeÀ Üejeheé³eesefpele 4 #es$eer³e ieéceerCe yeQkeÀ (keÀ) Dee³ee&Jele& #es$eer³e ieéceerCe yeQkeÀ (henues Dee³ee&Jele& ieéceerCe yeWkeÀ kesÀ

ªhe ceW peevee peelee Lee) (Ke) PeejKeC[ ieéceerCe yeQkeÀ (ie) vece&oe PeyegDee ieéceerCe yeQkeÀ (Ie) efJeoYe& keÀeWkeÀCe ieéceerCe yeQkeÀ

(Ie) meb³egÊeÀ GÐece

[�^ mìej ³etefve³eve oeF& F&®eer peerJeve yeercee kebÀheveer efue.

Pricing of Inter-Segmental transfers�� ?� j�?"�� "�� "�#��?� �� j�?"�� <�� j�?"�� "�� #��?� ��?"�� #�� "� ��?��?��#��;

Allocation of Costs�^� =!�� #�� ?"��

��?"��;#^� =!�� #��#�� ?"��

�� "#�� "��'#��"��?��;

Secondary Segment: Geographical Segments�^� ]�"��%��#^� |��%��

4.3 Accounting Standard 18 - Related Party Transactions (As compiled by Management and relied upon by the Auditors)

I) List of Related Parties:[�^� ��?�� {� ��?��?�]��\=%� {� j��+��%��?��[+;�;�;��;�;��^� \��

��?��?�]�� {� j"�;�~;�;�|��[��;�;��^� �=!��]�� {� j��;� ;��j��"�� j��j��[��;�;��^� � � � j��; ;�� j��;�;�j��[+;�;�;��;�;��^[#^� j�#��{� [�^� �%|�j��?��"�� [��^� �%|��£��|��"��?�� "�� [��^� �%|��£��<��j�� "�� [��^� �%|�� [�^� <��|��|��<#�� [��^� ��|��[<�� ^��"�� [��^� ��|��[}�+�§��^��"�� [��^� ��|��[�?��^��"�� [�!^� ��|��[��+��^��"��

[�^� ��{� [�^� j<\|�_��"�� [��^� �j�=\�[|��^��"�� [��^� |��>§�"#��"�� [��^� ��?��#��

[�^� ��"�� [_��"��+��"��^

[#^� Q��"��[�^� }��"��Q��#��"��[�^� ~��#��"��

[�^� Q��~��{� [�^� j��]��¡|��|��\�;��;

��



Deveg<ebefie³ee@b/ mene³ekeÀkebÀheefve³eeb/ meb³egÊeÀ GÐece

kesÀ meeLeWITH

SUBSIDIARIES/ASSOCIATES/JOINT

VENTURES

hećegKe heýebOeve keÀee|cekeÀ Key Management

Personnel

hećegKe heýebOeve keÀee|cekeÀeW kesÀ efjMlesoej

Relatives of Key Management

Personnel

kegÀue TOTAL

2015–16 2014–15 2015–16 2014–15 2015–16 2014–15 2015–16 2014–15

mebJ³eJenej Transactions

heéhle y³eepe |�� ;�� ;�� – – – – �;�� ;��

heóÊe y³eepe |�� ;�� ;�� ;� ;� ; ; ��;� �;�

ueeYeebMe ]�� 12.55 �; – – – – 12.55 �;

Dev³e Dee³e %��|��"� ��;�� ;�� – – – – ��;�� ;��

mejkeÀejer heéfleYetefle³eeW/ì^s]pejer efJeueeW /yeeb[eW keÀer efye¬eÀer

j��;�j��'<��

��;� ��;� – – – – ��;� ��;�

mejkeÀejer heéfleYetefle³eeW/ì^s]pejer efJeueeW /yeeb[eW keÀer Kejero

��;�j��'<��

��;�� ;�� – – – – ��;�� ;��

keÀeheexjsì yee@b[ Deewj Dev³e cegêe yeepeejeW GhekeÀjCeeW keÀer Kejero

��\��%��"��"��"��

– ;�� – – – – – ;��

pecee ]�� ;�� ;�� – – – – ;�� ;��

heefjhekeÌJe pecee ��]�� – ;� – – – – – ;�

heóeve efkeÀS ieS $eÝCe �� ;�� ;�� – – – – ��;�� ;��

®egkeÀeS ieS $eÝCe �� ;�� ;� – – – – ��;�� ;�

SveheerS keÀer efye¬eÀer j��} � – – – – – – – –

efveJesMe |��"�� – – – –

yekeÀe³ee Mes<e Outstanding balance

os³e ��#�� – – – – – – – –

pecee ]�� ;�� ;�� ;�� ;� ;� ;� �;�� ;�

GOeej ��+��? – – – – – – – –

$eÝCe �� ;�� ;�� – – – – ��;�� ;��

pecee keÀer efve³egefÊeÀ ��"��]�� – – – – – – – –

Dev³e os³eleeSb %��#�� ;� ;�� – – – – �;� ;��

heéeqhle³ee@b (Deefieće) ��#��[��^ – – – – – – – –

efveJesMe |��"�� ;�� ;�� – – – – ��;�� ;��

iewj efJeÊeheesef<ele heéfleye×lee }��_��\�""��"�� – – – – – – – –

heÆs hej/S®eheer J³eJemLee keÀe ueeYe Gþe³ee ie³ee

��?�'�$ ��?�"��

– – – – – – – –

heÆs hej/S®eheer J³eJemLee heóeve keÀer ie³eer

��?�'�$ ��?�"��

– – – – – – – –

De®eue mebheefÊe³eeW keÀer Kejero ��!�� – – – – – – – –

Deb®eue mebheefÊe³eeW keÀer efye¬eÀer j��!�� – – – – – – – –

Dev³e Deeqmle³ee@b %�� 6.51 �;�� – – – – 6.51 �;��

II) a) Transactions with Related Parties (As compiled by Management and relied upon by the Auditors)

II) keÀ) mebyebefOele he#ekeÀejeW kesÀ meeLe mebJ³eJenej (heyebOeve Üeje ³eLee mecesefkeÀle)

��


b) Key Management Personnel: Remuneration paid (in `)

Sr. No. Name Designation 2015-16 2014-15

1 j��+��%��?� �]��\=% �� ;

2 j"�;�~;��;�|�� =!>\��?��?�]��

��

� j��;� ;�j��"� =!��]��

��

� j��;� ;�� =!��]��

��

5 j��;�;�j��

=!��]��

�� ;

6 j��j�� =!��]��

��

� j��;��+�� =!>�=!��]��

– ��

<�� +�� #�� ?�� #�� #��?� �� #�� +�� j>�� #�� |\�|� �!�"��?� �j�� \�� =�� "� "��?� �� ?� �� +�� +��j��\��=��;

4.4. Accounting Standard 20 - Earnings per Share in `


1. ��]��¦ [��;^ ��;��

Calculation of Basic & Diluted E.P.S.


[�^ }�� #��#�� =*��j��

[��;�^ ��;��

[�^ ��?��?��}�"#��=*��[��\��^

��;�� ;�

[\^ ��=��?��j��[�'�^�[`^

[��;^ ��;��

[]^ }�"��~��j��[`^ ; ;

¦� �� ]�� =; ;j;� �� "�� *��;

Ke) cegK³e heýebOeve keÀee|cekeÀ: heóÊe heeefjÞeefcekeÀ ( ` ceW)

ke´À. meb. veece heoveece 2015-16 2014-15

1Þeer cesueefJeve jsiees heýebOe efveosMekeÀ

SJeb meerF&Dees 1,847,503 0.00

2 Þeerceleer Jeer. Deej. De³³ej hetJe& DeO³e#e SJeb heýebOe efveosMekeÀ

7,78,874 26,01,414

3 Þeer efye. heer. Mecee& keÀe³e&heeuekeÀ efveosMekeÀ 20,70,928 21,50,109

4 Þeer Deej.heer.cejeþs keÀe³e&heeuekeÀ efveosMekeÀ 18,08,012 1,13,939

5 Þeer Deej. S. MebkeÀjveeje³eCeve

keÀe³e&heeuekeÀ efveosMekeÀ 17,04,520 0.00

6 Þeer DejÀCe ÞeerJeemleJe hetJe& keÀe³e&heeuekeÀ efveosMekeÀ

2,25,656 19,55,812

7 Þeer Deej.keÀesìermJejve hetJe& keÀe³e&heeuekeÀ efveosMekeÀ

- 15,40,052

mene³ekeÀ yeQkeÀeW Deewj #es$eer³e ieéceerCe yeQkeÀeW kesÀ mebJ³eJenej jep³e efve³ebef$ele nesves kesÀ keÀejCe SSme-18 kesÀ hewje 9 keÀer ¢eqä ceW he´keÀìve veneR efkeÀS ieS nQ peesefkeÀ DeeF&meerSDeeF& Üeje mebyebefOele heeìea he´keÀìve kesÀ efueS peejer efkeÀS nQ efpemeceW Fve heee|ì³eeW kesÀ otmejs he#ekeÀejeW kesÀ meeLe, pees Yeer jep³e efve³ebef$ele GÐece nw, mebJ³eJenejeW keÀes he´keÀìve ve keÀjves keÀer ítì nw~

4.4 uesKeebkeÀve ceevekeÀ 20 - heéfle Mes³ej Depe&ve


1. DeeOeejYetle Deewj levegke=Àle* [��;^ ��;��

DeeOeejYetle SJeb levegke=Àle F&heerSme keÀe heefjkeÀueve


(keÀ) FeqkeÌJeìer Mes³eeOeejkeÀeW keÀes heóeve keÀjves ³eesi³e Je<e& kesÀ efueS efveJeue ueeYe

(6089.21) 1,708.92

(Ke) FeqkeÌJeìer Mes³ej keÀer Yeeefjle Deewmele mebK³ee (keÀjesæ[ ceW)

73.35 64.31

(ie) cetueYetle heéfle Mes³ej Dee³e (S/yeer) [`^ (83.01) 26.57

(Ie) heéfle Mes³ej DebefkeÀle cetu³e [`^ 10.00 10.00

* DeeOeejYetle SJeb levegke=Àle F&.heer.Sme. meceeve ner nw keÌ³eeWefkeÀ ceboer mebYeeJ³e FeqkeÌJeìer Mes³ej veneR nw~

��


ke´À. meb. Sr. No.

efJeJejCe Particulars31.03.2016 31.03.2015 31.03.2016 31.03.2015

mìwC[-Deueesve Standalone

mecesefkeÀle Consolidated

DeemLeefiele keÀj Deeeqmle³eeb Deferred Tax Assets

�. heéJeOeeve kesÀ efveefceÊe mece³e Devlej kesÀ keÀejCe %��"��?��+��

��;�� ;�� ;�� ;��

��. Dev³e %�� ;�� ;�� ;�� ;��

kegÀue DeemLeefiele keÀj Deeeqmle³eeb Total Deferred Tax Assets 4624.98 1417.62 4629.30 1422.20

DeemLeefiele keÀj os³elee Deferred Tax Liabilities

�; eqmLej Deeeqmle³eeW hej cetu³eËeme kesÀ keÀejCe %��]��!��

�;�� ;� �;�� ;�

��; efveJesMe hej cetu³eËeme kesÀ keÀejCe %��]��"��

��;�� ;�� ;�� ;��

��; heésoYetle y³eepe pees os³e veneR nQ kesÀ keÀejCe %��#��

��;� ��;�� ;� ��;��

��. Dee³ekeÀj DeefOeefve³ece 1961 kesÀ 36(1)[��^ kesÀ lenle keÀìewleer

%��'��[^[��^��|��"��<�!��

��;�� ;��¦ ��;�� ;��¦

�; Dev³e %�� ;�� ;� ��;�� 5.55

kegÀue DeemLeefiele keÀj os³eleeSb Total Deferred Tax Liabilities 1847.41 1956.18 1847.82 1956.20

efveJeue DeemLeefiele keÀj Deeeqmle³eeb/(os³eleeSb) Net Deferred Tax Assets / (Liabilities)

2777.57 (538.56) 2781.47 (533.99)

4.4.A Accounting Standard 22 – Accounting for Taxes on Income� <��"��"��]��<�!��]��

<�!��#��{

* � ��;��\��#��

4.5 Impairment of Assets (Accounting Standard 28) : ` Nil

4.6 Accounting Standard 29: “Provisions, Contingent Liabilities and Contingent Assets”: �;� ��"�� ?��#��

ParticularsLegal cases/contingencies

2015-16 2014-15

%��?�� ;� ��;��

��?�� ;�� 1.25

�"��?�� ; ;

\��?�� ;�� ;�

<�"��?��+'�� %��+� ��"�� '�\��

%��+� ��"�� '�\��

� �;� \��?��#�� j�� #�� "��

��'��#��'��"�� "�� #��?� �� "�� #��?�� "�� ?� ��"��#�� "��#�;�}��"#��"��!��;

4.4.keÀ uesKeebkeÀve ceevekeÀ 22 - Dee³e hej keÀjeW kesÀ efueS uesKeebkeÀve DeemLeefiele keÀj Deeeqmle³eeb Deewj DeemLeefiele keÀj os³eleeDeeW kesÀ cegK³e IeìkeÀ

efvecveevegmeej nQ :

*efheíues Deejef#ele efveOeer mes ` 431.67 keÀjes[ leLee ueeYe mes yeenj Mes<e4.5 Deeeqmle³eeW keÀe Ûeme (uesKeebkeÀve ceevekeÀ 28) : ª. Metv³e4.6 uesKeebkeÀve ceevekeÀ 29 : heéJeOeeve, DeekeÀeqmcekeÀ os³eleeSb SJeb DeekeÀeqmcekeÀ

Deeeqmle³ee@b: keÀ. os³eleeDeeW nsleg heeJeOeeveeW ceW Gleej ®eæ{eJe

efJeJejCeefJeefOekeÀ ceeceues/DeekeÀeqmcekeÀleeSb

2015-16 2014-15

heéjbefYekeÀ Mes<e 28.20 26.95

Je<e& kesÀ oewjeve heéJeOeeve 13.48 1.25

Je<e& kesÀ oewjeve Ghe³eesie keÀer ieF& jeefMe 0.00 0.00

Debeflece Mes<e 41.68 28.20

yeeffnie&ceve keÀe mece³e / DeefveefÞ®eleleeSb mecePeewles/ef¬eÀmìueerkeÀjCe hej

yeefnie&ceve

mecePeewles/ef¬eÀmìueerkeÀjCe hej

yeefnie&ceve

ye. DeekeÀeqmcekeÀ os³eleeSb

³eLee GequueefKele Fme he´keÀej keÀer os³eleeSb, v³ee³eeue³e kesÀ efveCe&³e/ceO³emLelee keÀjves/v³ee³eeue³ekesÀ yeenj mecePeewlee, Deheerue keÀe efveheìeve, ceebieer ieF& jeefMe, mebefJeoeiele oeef³elJeeW keÀer MeleX,efJekeÀeme leLee mebyebefOele he#eeW Üeje GþeF& ieF& ceebie pewmee Yeer ceeceueenes hej ¬eÀceMe: efveYe&j keÀjlee nw~ Fme ceeceueeW ceW keÀesF& heéflehete|le Dehesef#ele veneR nw~

��


5 Additional Disclosures

5.1 Provisions and Contingencies� <��#��>�� \��?��?�

�� {


2015-16 2014-15 2015-16 2014-15 ��]��|��"��

��;�� [�;�^ ��;�� [�;�^

��+��} � ��;�� ;�� ;�� ;��

��+��j��

[��;�^ ��;� [��;��^ ��;��

��"��+��|��"��<�! [��?�]��<�!^¦

[��;��^ ��;� [��;��^ �;��

Other Provision & Contingencies�� j��

��

[��;�^ �;�� [��;�^ �;��

�� \��

[�;��^ ��;�� [�;��^ ��;��

�� %�� ;� [��;��^ ��;�� [��;��^

Total 12,124.83 5,778.85 12429.10 5801.16

¦��?�`� ��;��;

5.2 Floating Provisions (Countercyclical provisioning buffer)

Particulars 2015-16 2014-15%��?��?��

��;�� ;��

<��*��"��?��"��?��

; ;

�"��+��+��"��?��?��

; ��;�

\��?��?��

��;�� ;��

5.3 Draw Down from Reserves� <��+��+��"��"��?��'�

��;

5.4 Disclosure of complaints�^� Customer Complaints [�� "�� #�� "��?�"��

��#��^:

Sr. No Particulars 2015-16 2014-15

[�^ }�;��"��?��#�?��?��

��

[#^ }�;��"��?��

��

[�^ }�;��"��?��

��

[�^ }�;��"��?��

��

5. DeefleefjÊeÀ os³eleeSb

5.1 heéJeOeeve Deewj DeekeÀeqmcekeÀleeSb ueeYe Deewj neefve Keeles ceW efoKeeS ieS ’HeéJeOeeve Deewj DeekeÀeqmcekeÀleeSb“

keÀe ye´skeÀ-Dehe efvecveevegmeej nw:

efJeJejCemìQ[Deueesve mecesefkeÀle

2015-16 2014-15 2015-16 2014-15efveJesMe kesÀ cetu³eÛeme hej heéJeOeeve 350.73 (50.40) 350.73 (50.40)

SveheerS nsleg heéJeOeeve 14,101.92 5,227.43 14405.75 5231.64

ceevekeÀ Deeeqmle³eeW nsleg heéJeOeeve (128.40) 408.60 (127.55) 409.22

Dee³ekeÀj kesÀ efueS efkeÀ³ee ie³ee heéJeOeeve (DeemLeefiele keÀj meefnle)

(1,701.56) 86.13 (1722.63) 103.42

Dev³e heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb

hegveie&efþle KeeleeW ceW l³eeie nsleg heéJeOeeve

(531.30) 107.95 (531.30) 107.95

osMeer³e peesefKece nsleg heéJeOeeve (3.58) 23.59 (3.58) 23.59

Dev³e heéJeOeeve 37.02 (24.46) 57.68 (24.26)

kegÀue.. 12,124.83 5,778.85 12429.10 5801.16

* efheíues Je<e& kesÀ efueS ` 308.63 heéJeOeeve Meeefceue nw~5.2 DeeqmLej heéJeOeeve (keÀeGbìj meeFeqkeÌuekeÀue heésefJepeeEveie yeHeÀj)

efJeJejCe 2015-16 2014-15

HeÌueeseEìie heésefJepeve Keeles ceW heéjeqcYekeÀ Mes<e cee$ee 232.22 364.43

uesKeekebÀve Je<e& ceW efkeÀS ieS HeÌueeseEìie HeéJeOeeveeW keÀer hećee$ee

0.00 100.00

uesKee Je<e& kesÀ oewjeve efkeÀS ieS [e [eGve keÀer jeefMe 0.00 232.21

DeeqmLej heéJeOeeve Keeles ceW Debeflece Mes<e 232.22 232.22

5.3 efjpeJme& mes [ê@ [eGve Je<e& kesÀ oewjeve /efheíues Je<e& kesÀ oewjeve efjpeJe&me mes keÀesF& [ê@ [eGve veneR efkeÀ³ee nw~

5.4 efMekeÀe³eleeW keÀe he´keÀìvei) ieénkeÀeW keÀer efMekeÀe³eleW: (heýebOeve Üeje mecesefkeÀle Je ues#eehejer#ekeÀeW Üeje mencele)

ke´À.meb

efJeJejCe 2015-16 2014-15

(keÀ) Je<e& kesÀ heejbYe ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 110 64

(Ke) Je<e& kesÀ oewjeve heéhle efMekeÀe³eleeW keÀer mebK³ee 15085 9757

(ie) Je<e& kesÀ oewjeve efveheìeF& ieF& efMekeÀe³eleeW keÀer mebK³ee 14976 9711

(Ie) Je<e& kesÀ Deble ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 219 110

��


��^ ATM Complaints [��"��#��?�"��#��^


}�;��<��"��?��#�?��?��

��

}�;��<��"��?��

��

}�;��<��"��?��

��

}�;��<��"��?��

��

��^� Awards passed by the Banking Ombudsman:

Sr. No Particulars 2015-16 2014-15

[�^ }�;��"��"��+��#�?��?��

�

[#^ }�;��+��#��?�%"#��"��?��

2

[�^ }�;��+��"��"��?��

2 �

[�^ }�;��"��"��+��

5.5 Disclosure of Letters of Comfort (LoCs) issued by bank (As compiled by Management and relied upon by the Auditors)

� ]��?� �� #�� "��;�]��?��>��#��?� �� ?�� +�� +��+��#��|��[�<�^��;��"��""��"��;

� ]��?��>��#��?��}�+�§��+��+��#�� %|� [}�+� §��^� ��;� �� "�� #��?��;

� ��;�;��#��?��#��""��"��;

5.6 Provisioning Coverage Ratio (PCR)� <�� ?� �� }��> ��"��?� ��

�� ;�� [ �� {��;��^

5.7 Fees, remuneration received from Bancassurance business:

Particulars 2015-16 2014-15��|�� ;�� ;��

}��>��|�� ;�� ;��

Total 80.44 59.84

��^�� SìerSce mes mebyebefOele efMekeÀe³eleW : (heýebOeve Üeje mecesefkeÀle Je ues#eehejer#ekeÀeW Üeje mencele)

efJeJejCe 2015-16 2014-15Je<e& kesÀ DeejbYe ceW ueeqcyele SìerSce mes mebyebefOele efMekeÀe³eleW

4426 2042

Je<e& kesÀ oewjeve heéhle SìerSce mes mebyebefOele efMekeÀe³eleW

353698 151435

Je<e& kesÀ oewjeve efveheìeF& ieF& efMekeÀe³eleW 352761 149051

Je<e& kesÀ Deble ceW ueeqcyele SìerSce mes mebyebefOele efMekeÀe³eleW

5363 4426

��^� yeQeEkeÀie ueeskeÀheeue Üeje heeefjle DeefOeefveCe&³e :

ke´À.me. efJeJejCe 2015-16 2014-15

(keÀ) Je<e& kesÀ heéjbYe ceW ueeiet veneR efkeÀS ieS DeefOeefveCe&³eeW keÀer mebK³ee

0 3

(Ke) Je<e& kesÀ oewjeve yeQeEkeÀie ueeskeÀheeue Üeje heeefjle DeefOeefveCe&³eeW keÀer mebK³ee

2 0

(ie) Je<e& kesÀ oewjeve ueeiet efkeÀS ieS DeefOeefveCe&³eeW keÀer mebK³ee

2 3

(Ie) Je<e& kesÀ Deble ceW ueeiet veneR efkeÀS ieS DeefOeefveCe&³eeW keÀer mebK³ee

0 0

5.5 yeQkeÀ Üeje peejer ®egkeÀewleer Deeéeemeve he$eeW (SueDeesmeerped) hej he´keÀìve (heýebOeve Üeje ³eLee mecesefkeÀle SJeb uesKee Hejer#ekeÀeW Üeje DeeefÞele)

®eeuet Je<e& kesÀ oewjeve yeQkeÀ ves keÀesF& ®egkeÀewleer Deeéeemeve he$e peejer veneR efkeÀS nQ~ Je<e& 2011-2012 kesÀ oewjeve, yeQkeÀ ves Deheves hetCe&le³ee mJeeefcelJe keÀer mene³ekeÀ mebmLee yeQkeÀ Dee@]HeÀ Fbef[³ee (yeerìer[yu³et) efue. kesÀ efueS ieJeve&j, yeQkeÀ Dee@]HeÀ yeeslmJeevee keÀes Je®evehe$e peejer efkeÀ³ee nw efkeÀ efJeÊeer³e Jee³eoe os³e nesves hej hetje efkeÀ³ee peeSiee~

Je<e& 2010-11 kesÀ oewjeve, Deheves hetCe&le³ee mJeeefcelJe keÀer mene³ekeÀ mebmLee yeerDeesDeeF& (v³etpeerueQ[) efue. kesÀ efueS v³etpeerueQ[ kesÀ je@³eue yeQkeÀ kesÀ he#e ceW yeQkeÀ ves efJeÊeer³e Jee³eoe ³eefo os³e nesves hej hetje keÀjves kesÀ efueS DeefYeYeeJekeÀer³e ieejbìer peejer efkeÀ³ee nw~

leLeeefhe ³eLee 31.03.2016 ceW Ghe³eg&ÊeÀ Jee³eoeW ceW keÀesF& efJeÊeer³e oeef³elJe veneR nw~

5.6 heéJeOeeveerkeÀjCe keÀJejs]pe Devegheele (heermeerDeej) ³eLee 31 cee®e& 2016 keÀes yeQkeÀ kesÀ mekeÀue Devepe&keÀ Deeeqmle³eeW hej heéJeOeeveerkeÀjCe

51.14� nw (efheíues Je<e&: 52.40�)

5.7 yeQkeÀ SM³eesjWme keÀejesyeej mes heéhle MegukeÀ, heeefjÞeefcekeÀ

efJeJejCe 2015-16 2014-15

peerJeve yeercee hee@efuemeer 60.65 42.22

iewj-peerJeve yeercee hee@efuemeer 19.79 17.62

kegÀue 80.44 59.84

�


5.8 Concentration of Deposits, Advances, Exposures and NPAs

5.8.1 Concentration of Deposits

Particulars 2015-16 2014-15<��]��+��?��

��

��?��]��+��?��<��]��

�;�� ;��

5.8.2 Concentration of Advances

Particulars 2015-16 2014-15<��+��?��#��+��

��

��?��+��?��#��+��<��

�;�� ;��

5.8.3 Concentration of Exposures

Particulars 2015-16 2014-15<�� =!�� +�� ?��#��+��'��"��

��

��?�� =!�� +��?�� #��+��'��"�� <��=!�� #�� #��+��'��"��

;� �;��

5.8.4 Concentration of NPAs (as compiled by management)

Particulars 2015-16 2014-15<��=!��} ��

��;��

5.9 Sector-wise Advances (Including Prudential/Technical write off) (As compiled by the management)

ke´À.me. Sr. No.

#es$e Sector

2015-16 2014-15

yekeÀe³ee mekeÀue Deefieće

O/S Gross Advances

mekeÀue SveheerS

Gross NPAs

Gme meskeÌìj ceW kegÀue

DeefiećeeW ceW SveheerS keÀe

heéfleMele % of Gross

NPAs to Total

Advances in that Sector


O/S Gross Advances

mekeÀue SveheerS Gross NPAs




NPAs to Total


A heéLeefcekeÀlee heéhle #es$e Priority sector

1 ke=Àef<e SJeb mebyebefOele ieefleefJeefOe³eeb �?�� ;�� ;� �;� ��;�� ;�� ;

2 GÐeesie (met#ce SJeb ueIeg, ceI³ece SJeb yeæ[s) �� ?�#��?

��;� ��;� �;�� ;�� ;� �;�

� mesJeeSb j�� ;�� ;�� ;� ��;�� ;�� ;��

� J³eefÊeÀiele $eÝCe �� 6256.61 ��;�� ;�� ;�� ;�� ;�

Ghe³eesie (keÀ) Sub-total (A) 89232.96 9096.50 10.19 85350.28 6641.85 7.78

B iewj HeéLeefcekeÀlee #es$e Non Priority Sector

5.8 peceeDeeW, DeefiećeeW, SkeÌmehees]pej leLee SveheerS keÀe mebkeWÀêCe (heýebOeve Üeje ³eLee mecesefkeÀle)

5.8.1 peceeDeeW keÀe mebkeWÀêve

efJeJejCe 2015-16 2014-15yeerme meyemes yeæ[s peceekeÀlee&DeeW keÀer kegÀue pecee jeefMe³eeb

31,771 42,011

yeQkeÀ keÀer kegÀue peceejeefMe³eeB ceW mes yeerme yeæ[s peceekeÀlee&DeeW keÀer peceejeefMe³eeW keÀe heéfleMele

6.19� 7.90�

5.8.2 DeefiećeeW keÀe mebkeWÀêve

efJeJejCe 2015-16 2014-15yeerme meyemes yeæ[s GOeejkeÀlee&DeeW keÀe kegÀue Deefieće 54,732 56,378

yeQkeÀ kesÀ keÀe kegÀue DeefiećeeW ceW mes yeerme meyemes yeæ[s GOeejkeÀlee&DeeW kesÀ DeefiećeeW keÀe heéfleMele

12..22� 11.53�

5.8.3 SkeÌmehees]pej keÀe mebkeWÀêCeë

efJeJejCe 2015-16 2014-15yeerme meyemes yeæ[s GOeejkeÀlee&DeeW/ieénkeÀeW keÀes kegÀue SkeÌmehees]pej

62,529 57,734

yeQkeÀ kesÀ GOeejkeÀlee&DeeW/ieenkeÀeW keÀes kegÀue SkeÌmehees]pej ceW mes yeerme meyemes yeæ[s GOeejkeÀlee&DeeW/ieenkeÀeW kesÀ SkeÌmehees]pej keÀe heefleMele

11.01� 9.47�

5.8.4 SveheerS mebkeWÀêCe (heýebOeve Üeje ³eLee mecesefkeÀle)

efJeJejCe 2015-16 2014-15®eej Meer<e& SveheerS KeeleeW keÀe kegÀue Skecemehees]pej 7,593.27 1,895

5.9 #es$eJeej Deefieće (heýebOeve Üeje ³eLee mecesefkeÀle) (v³ee³eesef®ele/lekeÀefvekeÀer yeÆs Keeles meefnle)

�


ke´À.me. Sr. No.

#es$e Sector

2015-16 2014-15


O/S Gross Advances

mekeÀue SveheerS

Gross NPAs




NPAs to Total



O/S Gross Advances

mekeÀue SveheerS Gross NPAs




NPAs to Total


1 ke=Àef<e SJeb mebyebefOele ieefleefJeefOe³eeb �?�� ;�� ;� �;�� ;�� ;�� ;��2 GÐeesie |�� ;�� ;�� ;� ��;� ��;� �;�� mesJeeSb j�� ;� ��;� �;� ��;� ��;�� ;�� J³eefÊeÀiele $eÝCe �� ;�� ;�� ;�� ;� ��;�� ;��

Ghe³eesie (Ke) Sub-total (B) 268697.35 36226.78 13.48 313482.54 20498.96 6.54

³eesie (keÀ+Ke) Total (A+B) 357930.31 45323.28 398832.86 27140.83

5.10 Movement of NPAs

Particulars 2015-16 2014-15��} ��;�;�� [%��?��^

��;�� ;�

��[_��} ��^��?�� ;�� ;��

j�#>��[�^ ��;�� ;�

��{

[�^� ��?�� ;� ��;��

[��^� ��>�!��?�� "��"��?��

��;�� ;��

[��^� <��' ��%�� ;�� ;��

[��^� �� #��

��; ��;��

j�#>��[�^ ��;�� ;��

��} ��;�;�� [\��?��^�[�>�^

��;� ��;��

5.11 Movement of Technical/Prudential written-off accounts

Particulars 2015-16 2014-15%��?� �� <��'��+��>��

��;� ��;��

��{� <��'�� +��>��?��

��;�� ;�

j�#>��[�^ ��;�� ;�

��{>�� "�� "� ��'�� +��>�� ?��[�^

��;�� ;�

\��?��[�>�^ ��;�� ;�

5.10 SveheerS keÀe Gleej-®e{eJe

efJeJejCe 2015-16 2014-15mekeÀue SveheerS ³eLee 01.04.2015 keÀes (heejbefYekeÀ Mes<e) 22193.24 11868.60

Je<e& kesÀ oewjeve (veS SveheerS) heefjJeOe&ve 34510.58 16651.47

Ghe-peesæ[ (S) 56703.82 28520.07

IeìeSb :-

[�^ Deheie´s[sMeve 1984.41 2380.66

[��^ Jemetueer³eeB - Deheie´s[s[ KeeleeW mes keÀer ieF& Jemetueer keÀes íesæ[keÀj

2511.86 2688.38

[��^� lekeÀveerkeÀer he´g[WefMe³eue jeF&ì Dee@HeÀ 1206.42 706.92

[��^ yeÆs Keeles efueKeeF&, GÊeÀ 3 kesÀ Debleie&le íes[keÀj

1122.00 550.87

Ghe-peesæ[ (yeer) 6824.69 6326.83

mekeÀue SveheerS ³eLee 31.03.2016 (Debeflece Mes<e) (S-yeer)

49879.13 22193.24

5.11 lekeÀveerkeÀer/efJeJeskeÀhetCe& lejerkesÀ mes yeÆs Keeles [eues KeeleeW keÀe cetJeceWì (he´yebOeve Üeje ³eLee mecesefkeÀle)

efJeJejCe 2015-16 2014-15lekeÀveerkeÀer/efJeJeskeÀhetCe& lejerkesÀ mes yeÆs Keeles [eues KeeleeW ceW he´ejbefYekeÀ Mes<e

6206.09 6081.22

pees[W : Je<e& kesÀ oewjeve lekeÀveerkeÀer/efJeJeskeÀhetCe& lejerkesÀ mes yeÆs Keeles efueKeeF&

1953.23 1312.90

Ghe-pees[ (S) 8159.32 7394.12IeìeSb :- hetJe& ceW lekeÀveerkeÀer/efJeJeskeÀhetCe& lejerkesÀ mes yeÆs Keeles [eues KeeleeW ceW keÀer ieF& Jemetueer (yeer)

739.59 1188.03

Debeflece Mes<e (S-yeer) 7419.73 6206.09

��


5.12 Overseas Assets, NPAs and Revenue


1 <�� ;� ��;��

2 <��} �� ;�� ;��

� <�� ;� ��;�

5.13 Off-Balance Sheet SPVs sponsored

Name of the sponsored SPV]�"�� %��

}�� }��

5.14 Disclosure relating to Securitisation� <��j��~��[j ~^�

��?��_��>�;

5.15 Credit Default Swaps� <��#��?�+��\��]��+��

��>�;

5.16 Intra-Group Exposures (As compiled by the management and relied upon by the Auditors)

ke´À.me. Sr. No

FkeÀeF& keÀe veece Name of the Entity

Deefieće Advances

efveJesMeINVESTMENTS

kegÀue Total

efveOeer DeeOeeefjle Fund Based

iewj efveOeer DeeOeeefjle NFB

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

1 yeerDeesDeeF& Mes³ej neseÅu[ie efue. �%|�j��?��"�� ;[;^

;[;^

;[;^

;[;^

�;��[;�^

�;��[;�^

�;��[;�^

�;��[;�^

2 heerìer yeQkeÀ Dee@HeÀ Fb[esvesefMe³ee ìeryeerkesÀ <��|��|��<�� ;�[��;��^

��;��[��;��^

;[;^

;[;^

��;�[��;�^

��;�[��;�^

521.65[��;�^

��;��[��;�^

� yeQkeÀ Dee@HeÀ Fbef[³ee (lebpeeefve³ee) efueefceìs[

��|��[<�� ^��"�� ;��[��;��^

��;��[��;��^

;[;^

;[;^

�;�[�;�^

�;�[�;�^

�;��[�;^

��;�[��;��^

�� efueefceìs[

�� |�� [}�+� §��^��"��

1[^

;��[;^

;[;^

;[;^

��;�[��;�^

��;�[��;�^

��;�[��;�^

��;��[��;�^

5 yeQkeÀ Dee@HeÀ Fbef[³ee (³etieeb[e) efueefceìs[

��|��[�?��^��"�� ;�[�;^

��;��[�;^

;[;^

;[;^

��;��[��;��^

��;��[��;��^

;��[��;��^

��;�[��;��^

6 yeQkeÀ Dee@HeÀ Fbef[³ee (yeeslmJeevee) efueefceìs[

��|��[��+��^��"�� ;��[;^

�;��[;^

;[;^

;[;^

��;��[��;��^

��;��[��;��^

��;��[��;��^

��;��[��;��^

� yeerDeesDeeF& SkeÌmee FvJesmìceWì efue; �%|� �!�� |��"�� ?�� "��

;[;^

;[;^

;[;^

;[;^

��;��[��;�^

��;��[��;�^

��;��[��;�^

��;��[��;�^

� yeerDeesDeeF& SkeÌmee ì^mìer mee|Jemesme heéFJesì efue.

�%|� �!�� <�� j�� "��

;[;^

;[;^

;[;^

;[;^

;[;^

;[;^

;[;^

;[;^

� yeerDeesDeeF& ce®eXì yeQkeÀme& efue. �%|��"�� ;[;^

;[;^

;[;^

;[;^

�;�[;^

�;�[;^

;[;^

;[;^

mìej ³etefve³eve oeF&-®eer ueeF&HeÀ FvMetveme kebÀ. efue.,

j�� ]��>|�� |��\�;��

;[;^

;[;^

;[;^

;[;^

�;[�;^

�;[�;^

�;[�;^

�;[�;^

11 SmeìermeerDeeF& HeÀeF&veebme efue. j<\|�_��"�� ;[�;^

��;��[��;��^

;[;^

;[;^

�;[�;^

�;[�;^

��;[��;^

��;��[��;�^

12 SSmeDeejF&meer (Fbef[³ee) efue; �j�=\�[|��^��"�� ;[;^

;[;^

;[;^

;[;^

��;�[��;�^

��;�[��;�^

��;�[��;�^

��;�[��;�^

5.12 efJeosMeer Deeeqmle³eeb, SveheerS leLee jepemJe

ke´À.me.

efJeJejCe 2015-16 2014-15

1 kegÀue Deeeqmle³eeb 1,71,454.20 1,63,361.27

2 kegÀue SveheerS 8,239.85 1,948.28

3 kegÀue jepemJe 5,084.21 5,012.08

5.13 SmeheerJeerped mhee@vmej Dee@HeÀ yewuesvme Meerì

mhee@vmej efkeÀS ieS SmeheerJeer keÀe veecemJeosMe efJeosMeer

Metv³e Metv³e

5.14 heéfleYeteflekeÀjCe mes mecye× he´keÀìve yeQkeÀ ves efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve keÀesF& mhesMeue hehe&pe JnerkeÀue (SmeheerJeer)

HeÌueesì veneR efkeÀ³ee nw~5.15 ¬esÀef[ì ef[HeÀe@uì mJewhme yeQkeÀ ves efJeÊeer³e Je<e& 2015-16 kesÀ oewjeve ¬esÀef[ì ef[HeÀe@uì mJewhme kesÀ meeLe

J³eJenej Megª veneR efkeÀ³ee nw~

5.16 Deblej mecetn SkeÌmhees]pej ( heýebOeve Üeje mebkeÀefuele Deewj uesKee hejer#ekeÀeW Üeje mecee|Lele)

��


ke´À.me. Sr. No

FkeÀeF& keÀe veece Name of the Entity

Deefieće Advances

efveJesMeINVESTMENTS

kegÀue Total

efveOeer DeeOeeefjle Fund Based

iewj efveOeer DeeOeeefjle NFB

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

meercee Limits

Mes<e O/s

� Fb[es-Peebeqcye³ee yeQkeÀ efue; |��>§�"#��"�� ;[�;��^

;[;^

;[;^

;[;^

��;��[��;��^

��;��[��;��^

��;��[��;��^

��;��[��;��^

� ieéceerCe yeQkeÀ Dee@HeÀ Dee³e&Jele& ��"�� ;�[�;��^

��;��[�;��^

;[;^

;[;^

��;�[��;�^

��;�[��;�^

��;��[��;��^

��;��[�;��^

15 PeejKeb[ ieéceerCe yeQkeÀ Q��"�� ;[;^

;[;^

;[;^

;[;^

��;��[��;��^

��;��[��;��^

��;��[��;��^

��;��[��;��^

16 vece&oe ceeueJee PeyegJee ieéceerCe yeQkeÀ }��"�� Q��#�� "��

��;��[��^

�;��[��;��^

;[;^

;[;^

�;��[�;��^

�;��[�;��^

��;��[��;��^

�;�[��;��^

� efJeoYe& keÀeWkeÀCe ieéceerCe yeQkeÀ ~��#��"�� ;[��;^

;[�;��^

;[;^

;[;^

��;��[��;��^

��;��[��;��^

��;��[��;��^

��;��[��;�^

� DeueeF&[ yeQkeÀ Dee@HeÀ vee³epesefj³ee efue; ��}�?�� ;[;^

;[;^

;[;^

;[;^

;��[;��^

;��[;��^

;��[;��^

;��[;��^

Deblejmecent SkeÌmheespej keÀer kegÀue jeefMe

Total amount of Intra Group Exposure

��;�[��;��^

��;��[�;�^

�;[;^

;[;^

��;�[��;��^

��;�[��;��^

��;�[��;��^

��;��[��;�^

C.

<��=!�� ;�

��|��?��=!��!��+��'\��"�� ;��

D.<�� #�� ?�� !��"��;�;��;�

5.17 Transfers to Depositors Education and Awareness Fund (DEAF)

Particulars 2015-16 2014-15%��?�#��"��]=�_

��;�� ;

��{��"��]=�_��?��

��;� ��;��

��{��"��"#��#��]=�_��+��"�

; ;

\��?�#��"��]=�_

�;�� ;��

5.18 Unhedged Foreign Currency Exposure


� %��?�#��

��;� ;

# <��*��"��"��?��

�;�� ;�

� �"��?��?��

�;� ;

� \��?�#��

��;�� ;�

�� ;�;��#��#��"� �� #��+�� +�� ;��;�<��!�� ` ��;��?�� "��"�"��*��"��` �;�;

ie.

yeQkeÀ keÀe kegÀue SkeÌmeheespej 898,362.41

GOeejkeÀlee&DeeW/ieénkeÀeW hej kegÀue SkeÌmeheespej keÀe Fbìê ie´ghe SkeÌmheespej ceW � 0.28 �

Ie. ³eLee 31.03.2016 lekeÀ Fbìê ie´ghe SkeÌmeheespej meercee keÀe GuuebIeve veneR .

5.17 peceekeÀlee&DeeW keÀe efMe#ee Deewj peeieªkeÀlee HebÀ[ ceW DeblejCe ([erF&SSHeÀ)

efJeJejCe 2015-16 2014-15

[erF&SSHeÀ ceW Debleefjle HeéjbefYekeÀ Mes<e jeefMe 38.54 0.00

pecee : Je<e& kesÀ oewjeve [erF&SSHeÀ ceW Debleefjle jeefMe 75.18 38.54

IeìeSb :oeJeeW kesÀ lenle [erF&SSHeÀ Üeje jeefMe keÀer heeflehete|le 0.00 0.00

[erF&SSHe{ ceW Debleefjle jeefMe keÀe Debeflece Mes<e 113.72 38.54

5.18 Devensp[ efJeosMeer cegêe SkeÌmehees]pej

ke´À.me.

efJeJejCe 2015-16 2014-15

keÀ heéjbefYekeÀ Mes<e heéJeOeeveeW kesÀ Keeles 83.20 0.00

Ke uesKee Je<e& ceW efkeÀS ieS heéJeOeeveeW keÀer cee$ee 6.46 83.20

ie uesKee Je<e& kesÀ oewjeve jeefMe efjJeme& 16.08 0.00

Ie heéJeOeeveeW kesÀ Keeles ceW meceeheve meblegueve 73.58 83.20

³eLee 31.03.2016, GheueyOe [eìe Deewj GOeejkeÀleeDeeWmes peneb-peneb heéhle mheäerkeÀjCe kesÀ DeeOeej hej, yeQkeÀ ves kegÀue ` 73.58 keÀe heéJeOeeve efkeÀ³ee nw~ Fme SkeÌmehees]pej hej DeefleefjÊeÀ Deej[yu³etS ` 1287.83 nw, peesefkeÀ DeefleefjÊeÀ v³etvelece hetbpeer DeeJeM³ekeÀlee ` 115.90 kesÀ efveefcele nw~

��


6. Liquidity Coverage Ratio

Quantitative Disclosure

efJeJejCeParticulars

kegÀue DeefveOee&efjle cetu³e (Deewmele)

Total Unweighted Value (average)

kegÀue Yeeefjle cetu³e (Deewmele)

Total Weighted Value(average)

G®®ed mlejer³e ®eueefveefOe Deeeqmle³ee@b HIGH QUALITY LIQUID ASSETS

1 kegÀue G®®e mlejer³e Deeeqmle³eeb (S®ekeÌ³etSueS)

<��$�?��¤��[$¤��^�

��;��

vekeÀoer yee¿e he´Jeen

CASH OUTFLOW

2Kegoje peceejeefMe³eeb leLee íesìs keÀejesyeejer ieénkeÀeW keÀer , efpemeceW mes ��"��"��#��"��+��{�

��;� ��;��

[�êqmLej peceejeefMe³eeb �j��#��

��;� ��;�

[��^�keÀce eqmLej peceejeefMe³eeb ��#��

��;� ��;�

�DeHeéfleYetle LeeskeÀ efveefOe³eeb, efpemeceW mes: ��+��?��+��{�

��;�� ;�

[�^�heefj®eeueveiele peceejeefMe³ee@b (meYeer heéflehe#ekeÀej) %��[��^�

��;�� ;�

[��^�iewj-heefj®eeueveiele peceejeefMe³eeb ( meYeer heéflehe#ekeÀej) }��>��[��^�

��;� ��;�

[��^�DeHeéfleYetle $eÝCe ��#��

��;� ��;�

�peceeveleer LeeskeÀ efveefOe³eve j��+��?�

>

5DeefleefjÊeÀ DeeJeM³ekeÀleeSb, efpemeceW mes ��*��"��+��

��;�� ;��

[�^�y³eglheVe SkeÌmehees]pej mes mebyebefOele yeefnie&ceve %��+��!��*��"��

��;� ��;�

�[��^�$egCe GlheeoeW hej efveefOe³eve keÀer neefve mes mebyebefOele yeefnie&ceve %��+��?��#��

> >

[��^�$egCe leLee ®eueefveefOe megefJeOeeSb \��*��

��;�� ;�

6Dev³e mebefJeoeiele efveefOe³eve oeef³elJe %��?��#��?��

��;�� ;��

�Dev³e DeekeÀeqmcekeÀ efveefOe³eve oeef³elJe %��?��?��#��?��

��;� ��;��

�kegÀue vekeÀoer yeefnie&ceve<%<��\�j$�%�<_�%�j�

��;�

vekeÀoer Deblej He´JeenCASH INFLOW

�HeéfleYetle GOeej (Goe:efjJeme& jshees) j��?[�;?;��^�

��;� ��;��

hetCe&le³ee efve<heeokeÀ SkeÌmeheespej mes Deblej He´Jeen |��+��"��"��?��!��

��;�� ;

6. ®eueefveefOe keÀJejspe Devegheele cee$eelcekeÀ he´keÀìve

��


efJeJejCeParticulars

kegÀue DeefveOee&efjle cetu³e (Deewmele)

Total Unweighted Value (average)

kegÀue Yeeefjle cetu³e (Deewmele)

Total Weighted Value(average)

11Dev³e vekeÀoer DeblejHe´Jeen %��+��

��;�� ;��

12 kegÀue vekeÀoer DeblejHe´Jeen <%<��\�j$�|}_�%�j�

��;�� ;�

<��~��

kegÀue S®ekeÌ³etSueS <%<��$¤��

��;��

kegÀue efveJeue vekeÀoer yeefnie&ceve <%<��}=<�\�j$�%�<_�%�j�

��;��

®eueefveefOe keÀJejspe Devegheele (�) �|¤�|]|<��\%~=��=��<|%�[�^�

��;��

Qualitative disclosures with regard to LCR�;�;�;��Q��"��"��?��*�� \��?�� [�\�^� �� #�� #�� |��;

<�� \�� "�� #�� "�� *�� "#�� $�?�� ¤�� *�� [$¤��^� �� #�� "�� *�� "�� ?��*��;��"��"�"��*�� #�� #�� *��;

H�?��Q��L�*��A�� \��¯� _____________________________________

<��+��!��

� $��¡� $¤��"��+��

�� "��+��#��'��"��;

¡� }�� +�� !�� +�� +��#��\�j�'��|;��?��+��+��+��>��>��+��>��>��;

¡� |��+��"��+��+��#��+��\�;

¡� ��"�;;��*��"��"��"�"��\��>?��?�#��?��#��+{

Details 01.01.2015 01.01.2016 01.01.2017 01.01.2018 01.01.2019��"�"��\� ��

Main Drivers of LCR: �� \�� *�� $�?��¤��*��[$¤��^��+��+��?��?��"��"��;��*��$¤��"��"��#��\��"��?��"��!��j��;Intra-period changes as well as changes over time: _��>��"��\��+��#��+{

SuemeerDeej kesÀ mebyebOe ceW iegCeelcekeÀ he´keÀìve

Yeejleer³e efj]peJe& yeQkeÀ kesÀ efveosMeeW kesÀ Devegmeej heÝeeJeer efleefLe 1ueer peveJejer, 2015 lekeÀ yeQkeÀ ves ®eueefveefOe keÀJejspe Devegheele (SuemeerDeej) hej efoMeeefveoxMeeX keÀes keÀe³e&eqvJele efkeÀ³ee~

SuemeerDeej keÀe ceevekeÀ ue#³e ³en megefveeq½ele keÀjvee nw efkeÀ yeQkeÀ Yeej-jefnle G®®e mlejer³e ®eueefveefOe Deeeqmle³eeW (S®ekeÌ³etSueS) keÀes ³eLeesef®ele mlej hej Devegjef#ele keÀjlee nw Del³eefOekeÀ ®eueefveefOe oyeeJe heefj¢M³e kesÀ Devleie&le 30 keÀueW[j efove meercee kesÀ efueS ®eueefveefOe DeeJeM³ekeÀlee keÀes hetje keÀjves kesÀ efueS S®ekeÌ³etSueS keÀes vekeÀoer ceW heefjJee|lele efkeÀ³ee pee mekeÀlee nw~

SuemeerDeej G®®e mlejer³e ®eueefveefOe Deeeqmle³eeb

Deieues 30 keÀueW[j efoveeW lekeÀ kegÀue efveJeue vekeÀoer yeefnie&ceve

³ene@b ,

- S®ekeÌ³etSueS uesJeue 1 leLee uesJeue 2 Deeeqmle³eeb meeqcceefuele nQ, otmejs MeyoeW ceW ³en vekeÀoer nQ ³ee vekeÀoer ceoeW kesÀ keÀjerye nQ efpemes DeeJeM³ekeÀlee heæ[ves hej yee]peej ceW Deemeeveer mes Ghe³eesie efkeÀ³ee pee mekeÀlee nw/Yegvee³ee pee mekeÀlee nw~

- YeeefjyeQ/yeemesue Üeje heefjYee<ee kesÀ Devegmeej oyeeJe keÀer eqmLeefle kesÀ Devleie&le kegÀue yeefnie&ceve hej kegÀue Deeieceve keÀe efveJeue vekeÀoer yeefnie&ceve DeefOekeÀ jnlee nw~ efveJeue vekeÀoer yeefnie&ceve hej hengb®eves kesÀ efueS, Deeieceve keÀes hetJe& heefjYeeef<ele ceee|peve kesÀ meeLe uesvee ®eeefnS leLee yeefnie&ceve keÀes hetJe& heefjYeeef<ele efvekeÀeuevee hewkeÌìj hej uesvee ®eeefnS~

- heÝeeefJe efleefLe 01.01.2015 mes, DeefJejle DeeOeej hej 60� SuemeerDeej keÀes yeveeS jKevee yeQkeÀeW kesÀ efueS DeeJeM³ekeÀ nw~ he´l³eskeÀ Je<e& 10� Je=ef× kesÀ meeLe 01.01.2019 lekeÀ ³en 100� lekeÀ hengb®e peeS~

JeCe&ve 01.01.2015 01.01.2016 01.01.2017 01.01.2018 01.01.2019

v³etvelece SuemeerDeej 60� 70� 80� 90� 100�

SuemeerDeej keÀe cegK³e meb®eeuekeÀ: G®®e iegCeJeÊee ®eueefveefOe Deeeqmle³eeW (S®ekeÌ³etSueS) Kegoje ieékeÀeW mes G®®e efveefOe³eve m$eesle kesÀ v³etve efveJeue vekeÀoer he´Jeen SuemeerDeej kesÀ cegK³e meb®eeuekeÀ nQ~ S®ekeÌ³etSueS keÀe he´®egj mìe@keÀ SuemeerDeej efJekeÀefmele keÀjves ceW yeQkeÀ keÀe mene³ekeÀ neslee nw keÌ³eeWefkeÀ DeefOekeÀ SmeSueDeej kesÀ he´®egj jeefMe keÀes yeQkeÀ yeveeS jKelee nw~

Deeblej DeJeefOe heefjJele&ve meeLe ner meeLe DeesJejìeFce heefjJele&ve: ®eeuet efJeÊe Je<e& 2015-16 kesÀ efueS ,ceeefmekeÀ SuemeerDeej eqmLeefle efvecveJele nw :-

��


Month LCR% age Month LCR% age�� ; %��#�� ;�� ;�� }��"#�� ;��Q�� ;� ]��"#�� ;��Q�� ;� Q�� ;��?�� ;�� _�#�� ;��j��"#�� ;�� ;��

|�� ?� "�� \�� +�� +�� |��;� �\�� "�� ?�� ;��"��;��Q��!��j��#��"��+��#��?�� *��"�� ;� <�� \�� "� ��"�� _�#�� +�� $¤�� #�� }]<�� _��\�� [_�� *�� *��\��?��^� ��+��#��|�� !��j��;

Composition of HQLA:� <�� "�� $�?�� ¤�� *�� [$¤��^� "�� #�� !�� j��!�� \�� _��\�� [_�� *�� *��\��?��^;

<��"��$¤��?��#��+{

\�� ;��

=!��\��#�� ;��

��"�� !�� "��"�"� j��*��"�� ;��

��"�� +�� "�� j��*��"�� !�� +�� #�� |� �� j_��?�_��\��[��!��}]<��+��j_^ ��;��

��#�� ?�� #�� ?��?�� ?� �� +��?�� ||�� ;��

Concentration of funding sources: �� ?��"��"��+��"��+��;�$�+��#��>��#��"��"��+��|�?��;�� ?� �� "� �� ?�� ;� ��?��?��?�� ?� ��??��?��"��#��#��;Derivative Exposures and potential collateral calls:�]�"��!��#��;�$�+��"��#��#��"��?��;Currency mismatch in the LCR:� |�� "�� |� ?�� ?��+��??��?��#��"�� "�� "�� #�� #��;�|��j]��?��+��\��j]��;�<��?��#��|��"��\��?��;��\��j]��"��;��;Description of the degree of centralisation of liquidity management and interaction between the group’s units:�<��*�� "��?�"�� #>��""��[�;\�";^��+��;�<��"��?��*��

cenervee SuemeerDeej � cenervee SuemeerDeej ��Dehe´wue'2015 117.01 DekeÌletyej' 2015 98.32ceF&' 2015 122.23 veJecyej' 2015 96.75petve'2015 105.70 ef[meWyej' 2015 82.75pegueeF&'2015 107.13 peveJejer' 2016 84.99Deiemle'2015 75.79 HeÀjJejer' 2016 92.56efmelebyej' 2015 80.32 cee®e&' 2016 111.74

meYeer efjheese\ìie cenerveeW ceW, SuemeerDeej keÀer eqmLeefle Yeejleer³e efj]peJe& yeQkeÀ keÀer MeleeX kesÀ Devegmeej Leer~ Deiemle 2015 ceen ceW SuemeerDeej eqmLeefle pegueeF& 2015 keÀer 107.13� mes efiej keÀj 75.79� DeefleefjÊeÀ SmeSueDeej keÀer eqmLeefle Deewj Kegoje pecee ceW keÀceer kesÀ keÀejCe ngF& nw, uesefkeÀve ³en 60� keÀer efve³eecekeÀ DeeJeM³ekeÀlee mes DeYeer Yeer DeefOekeÀ Lee~ HeÀjJejer 2016 kesÀ cenerves kesÀ yeeo mes SuemeerDeej ceW Je=ef× SHeÀSSueSuemeerDeej kesÀ lenle Sve[erìerSue kesÀ 3� S®ekeÌ³etSueS ( lejuelee keÀJejspe Devegheele kesÀ efueS ®eueefveefOe ueeYe kesÀ efueS megefJeOee) kesÀ keÀejCe nw efpemekeÀer Devegceefle Yeejleer³e efj]peJe& yeQkeÀ Üeje oer ie³eer nw Deewj cee®e&, 2016 ceW DeefleefjÊeÀ SmeSueDeej ceW Je=ef× ngF& nw~

S®ekeÌ³etSueS keÀer mebj®evee: G®®e iegCeJeÊee ®eueefveefOe Deeeqmle³eeW (S®ekeÌ³etSueS) keÀer mebj®evee ceW hecegKele³ee vekeÀoer Mes<e, DeefOekeÀ SmeSueDeej, DeefOekeÀ meerDeejDeej leLee SHeÀSSueSuemeerDeej (®eueefveefOe keÀJejspe Devegheele kesÀ efueS ®eueefveefOe megefJeOee heehle keÀjvee) hecegKele³ee neslee nw~

Deepe keÀer efleefLe lekeÀ ®ekeÌ³etSueS mebj®evee keÀe he´keÀìve efvecveefueefKele nw:

neLe ceW vekeÀoer 10.26�

DeefOekeÀ meerDeejDeej Mes<e 2.30�

v³etvelece SmeSueDeej DeeJeM³ekeÀlee keÀer DeefOekeÀlee ceW mejkeÀejer heéfleYetefle³eeB 31.43�

SHeÀSSueSuemeerDeej (SceSmeSHeÀ kesÀ efueS Devegcele Jele&ceeve ceW Sve[erìerSue keÀe 7 heéfleMele lekeÀ) meefnle SceSmeSHeÀ kesÀ Devleie&le YeeefjyeQ Üeje Devegcele Devegmeej v³etvelece SmeSueDeej DeeJeM³ekeÀlee keÀer DeefOekeÀlee ceW mejkeÀejer heéfleYetefle³eeb

48.84�

yeemesue || kesÀ ceevekeÀ ¢eqäkeÀesCe kesÀ Devleie&le 0�, peesefKece kesÀ efJeosMeer meeJe&Yeewce Üeje peejer ³ee jejbìerke=Àle heéfleYetefle³eeb

7.17�

efveefOe³eve ñeesle keÀe mebkesÀvêerkeÀjCe: yeQkeÀ keÀe DeefOekeÀebMe efveefOe³eve ñeesle Kegoje ieénkeÀeW mes nw (ueieYeie 60�) DeleSJe yeefnie&ceve oyeeJe legueveelcekeÀ {bie mes keÀce nw~ ³eÐeefhe, efce³eeoer peceejeefMe³eeW kesÀ efueS efkeÀmeer Deheéfleos³e efJekeÀuhe kesÀ DeYeeJe ceW YeeefjyeQ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej yeefnie&ceve DevegYeeie kesÀ Devleie&le ueieYeie meYeer peceejeefMe³eeW keÀes yeQkeÀ ves ieewj efkeÀ³ee~ efkeÀmeer cenlJehetCe& he#ekeÀej mes efveefOe³eve mekesÀvêCe yeQkeÀ keÀe veneR Lee~ yeQkeÀ kesÀ kegÀue os³eleeDeeW keÀe 1� mes DeefOekeÀ kesÀ efueS mekeÀue uesKeeheĆeeueer nsleg mebyebefOele mecetn ³ee mecye× heéflehe#ekeÀejeW DeLeJee keÀue heéflehe#ekeÀej kesÀ ªhe ceW SkeÀ GuuesKeveer³e heéflehe#ekeÀej keÀes heefjYeeef<ele efkeÀ³ee ie³ee nw~

J³elheVeer SkeÌmehees]pej leLee mebYeeJ³e mebheee|éekeÀ keÀe@ue: [sefjJesefìJe keÀejesyeej ceW yeQkeÀ keÀe Iejsuet heefj®eeueve ceW yengle keÀce keÌmehees]pej nw~ ³eÐeefhe, efJeosMeer heefj®eeueve ceW J³elheVeer keÀejesyeej keÀce nw leLee Del³eefOekeÀ GuuesKeveer³e veneR nw~

SuemeerDeej ceW cegêe yescesue: YeeefjyeQ efoMeeefveoxMeeW kesÀ DevegmejCe ceW keÀ cenlJehetCe& cegêe Jen nw efpemeceW Gme cegêe ceW kegÀue cetu³eJee|iele os³eleeSb yeQkeÀ keÀer kegÀue os³eleeSb keÀe 5 heefleMele ³ee DeefOekeÀ nes~ nceejs ceeceues ceW ³etSme[er SkeÀcee$e cenlJehetCe& cegêe nw DeleSJe nce SuemeerDeej keÀe heefjkeÀueve ³esme[er cegêe ceW keÀjles nQ~ YeeefjyeQ Üeje ³en efJeefvee|oä veneR nw efkeÀ nce SuemeerDeej keÀes SkeÀ efveeq½ele mlej lekeÀ keÀ GuuesKeveer³e cegêe ceW ner heefjkeÀefuele efkeÀ³ee peeS~ ³eLee 31 cee®e&, 2016 yeQkeÀ kesÀ ³etSme[er cetu³eJee|iele cegêeceW SuemeerDeej keÀer eqmLeefle 2227.32� nw~

®eueefveefOe heýebOeve keÀer mebkesÀvêerkeÀjCe kesÀ ef[ieér keÀe JeCe&ve leLee mecetn kesÀ FkeÀeF&³eeW ceW heejmheefjkeÀ efke´À³ee: GÐece mlej hej yeQkeÀ keÀe lejuelee heýebOeve, yees[& mlejer³e keÀe³e& nw leLee yees[& (Deej.keÀe@ce) keÀer SkeÀ Deueie Ghe-meefceefle Fmehej efveieen jKeleer nw~ efve³eefcele Deblejeue hej SSuemeerDees kesÀ ®eueefveefOe heýebOeve keÀer efve³eefcele efveiejeveer keÀer peeleer nw~ mebhetCe&

��


"��?�"��#��?�"��\%��?��;�<�� *�� "��?�"�� #��?�?��#�� ;<�� *�� "��?�"�� "�� #��?� "��?�� $�� %�� ;� <�� *��"��?�"�� #��?�� +��"��?��"��+��?��*��"��+��;�|��]�� +�� *�� *��"��?��$��%��;��,�+Z��,��+/��+Z��,��|��@/@��+,��,+��captured in the LCR common template but which the institution +,��+��@��,��+�� @��/��_�^�+@��<��+��+��+��#��#��*��#��?��;7. Other Notesa) Income Tax:� |;� \��"��?��+��?��#��

��?�� #�� [j�� ^� �� "�� !'�� !� ��#��`� ��;�� [�� `� ��;��^� �� +�� #�� "�� ;� ��"��'��"��?��%��[j��^;

� ||;� ��"��!��;

� |||;� ]��?� �� "�� <�!�� ?� �� `� ��;��[�� +�� #�� `� ��;��^� #�� |��"��<�!��'��+��"��#��!��;

Notes from Consolidated Financial Statements:1.� �� #�� +�� "��

��+��"��|��[�� ^��{

Deveg<ebefie³eeW keÀe veece Names of Subsidiaries

Meeefceue(FvkeÀe@HeexjsMeve)

osMeCountry

of Incorporation

³eLee 31.03.2016 keÀes cetue yeQkeÀ

Üeje mJeeefcelJe keÀe DevegHeele

Proportion of Ownership

by the Parent bank as on 31.03.2016

³eLee 31.03.2015 keÀes cetue yeQkeÀ

Üeje mJeeefcelJe keÀe DevegHeele

Proportion of Ownership

by the Parent bank as on 31.03.2015

Iejsuet Deveg<ebefie³eeB ]�"��j�#��{

keÀ yeerDeesDeeF& Mes³ejnesequ[bie efue. �^ �%|�j��?��;� |��

Ke yeerDeesDeeF& DekeÌmee FvJesmìceWì cewvespeme& Heé.efue. #^ �%|��£��|��"��?�� ; |��

ie yeerDeesDeeF& DekeÌmee ì^mìer meefJe&mes]pe Heé.efue. �^ �%|��£��<��j�� ; |��

Ie yeerDeesDeeF& ce®eXì yeQkeÀme& efue. �^ �%|�� |��

efJeosMeer Deveg<ebefie³eeB %��j�#��{

keÀ heerìer yeQkeÀ Dee@HeÀ Fbef[³ee Fb[esvesefMe³ee ìeryeerkesÀ �^ <��|��|��<#� |��

Ke yeQkeÀ Dee@]HeÀ Fbef[³ee (lebpeeefve³eeb) efueefceìs[ #^ ��|��[<�� ^��;� <��

ie yeQkeÀ Dee@]HeÀ Fbef[³ee (v³etpeeruewv[) efueefceìs[ �^ ��|��[}�+�§��^��;� }�+�§��

Ie yeQkeÀ Dee@]HeÀ Fbef[³ee (³egieeb[e) efueefceìs[ �^ ��|��[�?��^��;� �?��

* yeQkeÀ Dee@]HeÀ Fbef[³ee (yeeslmJeevee) efueefceìs[ �^ ��|��[��+��^��; ��+��

®eueefveefOe heýebOeve heéf¬eÀ³ee yeQkeÀ keÀer SSueSce veerefle mes Meeefmele nesleer nw~

Iejsuet heefj®eeueveeW kesÀ efueS ®eueefveefOe heýebOeve kesÀ kesÀvêer³e keÀe³e& nw pees heÓeeve keÀe³ee&ue³e mlej hej heýebefOele efkeÀ³ee peelee nw~ efveiejeveer leLee efve³eb$eCe kesÀ efueS leLee mleeveer³e efJeefve³eecekeÀ keÀe Devegheeueve Yeer he´l³eskeÀ kesÀvê kesÀ #es$eeefOekeÀej Devegmeej efJeosMeer ®eueefveefOe heýebOeve efkeÀ³ee peelee nw~ yeQkeÀ keÀe Devleje&äêr³e heÝeeie efJeosMeer ®eueefveefOe eqmLeefle hej efveiejeveer jKelee nw leLee heÓeeve keÀe³ee&ue³e mlej hej kesÀeqvêkeÀ ªhe mes mechetCe& ®eueefveefOe efveiejeveer keÀer peeleer nw~

SuemeerDeej heefjkeÀueve ceW Dev³e Deeieceve Deewj yeefnie&ceve SuemeerDeej meeceev³e ìscheuesì ceW DeefYeIeéfnle veneR neslee nw efkeÀvleg Deheves ®eueefveefOe heésHeÀeFue kesÀ efueS mebmLee Fmes Ghe³egÊeÀ mecePeleer nw: Ssmee keÀesF& Deeieceve Deewj yeefnie&ceveveneR nw pees lejuelee heésHeÀeFue kesÀ efueS heémebefiekeÀ ceevee pee mekeÀlee nw Deewj hekeÀæ[e veneR pee jne nw~7. Dev³e veesìkeÀ) Dee³ekeÀj |;�� DeekeÀeqmcekeÀ os³eleeDeeW (Devegmet®eer 12) kesÀ Debleie&le $eÝCe kesÀ ªhe ceW oeJeeW

keÀer DeefYemJeerke=Àefle veneR ueer ieF& nw efpemekesÀ Debleie&le ` 555.07 keÀjesæ[ (efJeiele Je<e& ceW ` 961.37 keÀjesæ[) keÀer efJeJeeefole Dee³e keÀj/ y³eepe keÀj os³eleeSb meeqcceefuele nQ~ Fve oeJeeW kesÀ ceeceueeW ceW hetJe& ceW DeefYeefveOee&efjle efJeefYeVe v³eeef³ekeÀ efJeJeeoeW kesÀ DeeOeej hej DeeJeM³ekeÀ keÀj kesÀ heéJeOeeve hej efJe®eej veneR efkeÀ³ee ie³ee nw~ FvekeÀes Dev³e Deeeqmle³eeW (Devegmet®eer 11) kesÀ Debleie&le Yegieleeve/ mecee³eesefpele leLee meeqcceefuele keÀj efue³ee ie³ee nw~

||;�� keÀeflehe³e efJeJeeefole ceeceueeW ceW efJeefYeVe v³eeef³ekeÀ efveCe&³eeW hej Gef®ele efJe®eej efkeÀ³es peeves kesÀ yeeo Je<e& kesÀ efueS Dee³ekeÀj keÀe heéJeOeeve efkeÀ³ee ie³ee nw~

|||�� Dee³ekeÀj nsleg ` 308.63 keÀjesæ[ (efJeiele Je<e& ` 483.55 keÀjesæ[) kesÀ heéJeOeeve keÀes efJeefYeVe Deheerue heéefOekeÀeefj³eeW kesÀ DevegketÀue efveCe&³eeX kesÀ DeeOej hej Fme Je<e& kesÀ oewjeve Jeeheme jeFìyewkeÀ keÀj efo³ee ie³ee nw/ Devegceeve keÀer meceer#ee efJeMes<e%e keÀer meueen kesÀ DeeOeej hej keÀjW~

mecesefkeÀle efJeÊeer³e efJeJejCeeW mes veesì:1. Deveg<ebefie³eeW (meeqyme[ereffjpe) kesÀ efJeJejCe efveceévegmeej nQ efpevekesÀ efJeÊeer³e efJeJejCeHe$e

yeQkeÀ (cetue yeQkeÀ) kesÀ SkeÀue efJeÊeer³e efJeJejCe He$e kesÀ meeLe mecesefkeÀle nQ~

��


2.� ��\��_��j��"��{

� [�^� ��{

Names of Associates Country of Incorporation

Proportion of

Ownership by the Parent

bank as on 31.03.2016

Proportion of


bank as on 31.03.2015

�^�^��^��^��^

��?��>Q��"��}��"��Q��#��"��~��#��"��"��

|��|��|��|��

��

��

#^ |��§�"#��"�� §�"#�� ^ j<\|�_��;� |�� ;�� ;��^ �j�=\�[|��^��; |�� ;�� ;��

[��^ Q��~��{

Names of Joint Venture Country of Incorporation

Proportion of


bank as on 31.03.2016

Proportion of


bank as on 31.03.2015

Star Union Dai-ichi Life Insurance Company Limited

India 48% 48%

3. <�� "�� #�� +�� #�� +�� "�� ?� �� ;�;� �� !�� |��§�"#��"��[|§��^;�|§��"��+�� ]��"#�� ?��*��;

4.� |�� ]�"�� #��'�� '��?��"��?�� ?�� +�� #�� #��'��'�� #�� #�� #��#��'��'��;

5.� <��\��_��j��"��#��#��{

� [�^� _�� "�� <� �� |�� |��<#�� ;�;�� #�� ?�"��+��#��+��*��"��;

� [��^� _��"��|��[<�� ^��;�� ;�;�� #�� ?�"�� +��#�� +��;�<��_��j��"�� ;�;�� |��[<�� ^� ��;� �� #�� *��"��;

2. mecesefkeÀle efJeJejCe he$eeW ceW efJe®eej keÀer ie³eer men³eesieer keÀcheefve³eeW Deewj meb³egÊeÀ GÐeefce³eeW kesÀ efJeJejCe Fme he´keÀej nw~

� [�^� men³eesieer kebÀHeefve³eeb{

men³eesieer kesÀ veece Meeefceue osMe

³eLee 31.03.2016 keÀes cetue yeQkeÀ Üeje mJeeefcelJe keÀe DevegHeele

³eLee 31.03.2015 keÀes cetue yeQkeÀ Üeje mJeeefcelJe keÀe DevegHeele

keÀ #es$eer³e ieéceerCe yeQkeÀPeejKeC[ ieéceerCe yeQkeÀvece&oe ceeueJee ieéceerCe yeQkeÀefJeoYe& keÀeWkeÀCe ieéceerCe yeQkeÀDee³e&Jele& ieéceerCe yeQkeÀ

YeejleYeejleYeejleYeejle

35�

35�

35�

35�

35�

35�

35�

35�Ke Fb[es ]peeefcye³ee yeQkeÀ efue. peeeqcye³ee 20� 20�ie SmeìermeerDeeF& HewÀvevme efueefceìs[ Yeejle 29.96� 29.96�Ie SSmeDeejF&meer (Fbef[³ee) efue. Yeejle 26.02� 26.02�

(ii) meb³egÊeÀ GÐece:

meb³egÊeÀ GÐece keÀe veece Meeefceue osMe³eLee 31.03.2016 keÀes cetue yeQkeÀ Üeje

mJeeefcelJe keÀe DevegHeele

³eLee 31.03.2015 keÀes cetue yeQkeÀ Üeje

mJeeefcelJe keÀe DevegHeelemìej ³etefve³eve oeF&-F&®eerpeerJeve yeercee kebÀheveer efue.

Yeejle 48% 48%

3. Fve Deveg<ebefie³eeW, meb³egÊeÀ GÐeefce³eeW SJeb men³eesefie³eeW kesÀ efJeJejCehe$e pees meceskeÀve ceW Fmlesceeue efkeÀS peeles nQ cetue yeQkeÀ keÀer ³eLee efjheese\ìie leejerKe DeLee&le 31 cee®e&, 2016 lekeÀ yeveeS ieS nQ, efmeJee³e SkeÀ mene³ekeÀ kebÀheveer Fb[es ]peeeqcye³ee yeQkeÀ efueefceìs[ (DeeF&]pes[yeerSue) kesÀ~ DeeF&]pes[yeerSue kesÀ efJeÊeer³e efJeJejCe 31 efomebyej, 2015 lekeÀ lew³eej efkeÀS ieS Les Deewj 31 cee®e& 2016 keÀes meceehle efleceener kesÀ efueS keÀesF& cenlJehetCe& mebJ³eJenej efjheesì& veneR efkeÀS ieS Les~

4. mJeosMeer Deveg<ebefie³eeW/meb³egÊeÀ GÐeefce³eeW/men³eesefie³eeW kesÀ ceeceues ceW, cetue yeQkeÀ Deewj Deveg<ebefie³eeW/meb³egÊeÀ GÐeefce³eeW/men³eesefie³eeW Üeje Dehevee³eer ie³eer efYeVe-efYeVe uesKeebkeÀve hee@efueefme³eeW kesÀ keÀejCe GlheVe uesKeeiele mecee³eespeve Deveg<ebefie³eeW/meb³egÊeÀ GÐece/men³eesefie³eeW Üeje cegnw³ee keÀjeS ieS [eìe kesÀ DeeOeej hej efkeÀS ieS nw~

5. mecesefkeÀle efJeÊeer³e efJeJejCe he$e efvecve kesÀ DeeOeej hej lew³eej efkeÀS ieS nQ :

[�^� heerìer yeQkeÀ Dee@]HeÀ Fbef[³ee Fb[esvesefMe³ee ìeryeerkesÀ kesÀ ³eLee 31.03.2016 kesÀ efJeÊeer³e efJeJejCehe$e heýebOeve Üeje hećeeefCele nQ Deewj mJelebv$e meceer#eekeÀlee& Üeje meceeref#ele nQ Deewj Meeefceue osMe keÀer mLeeveer³e Dehes#eeDeeW kesÀ Devegªhe mJeleb$e meceer#ekeÀ Üeje GmekeÀer meceer#ee keÀer ieF& nw~

[��^ yeQkeÀ Dee@]HeÀ Fbef[³ee (lebpeeefve³ee) kesÀ ³eLee 31.03.2016 kesÀ efJeJejCehe$e heyebOeve Üeje heceeefCele nQ Deewj mJelev$e meceer#ekeÀ Üeje meceeref#ele nQ~ yeQkeÀ Dee@]HeÀ Fbef[³ee (lebpeeefve³ee) kesÀ ³eLee 31.012.2015 kesÀ efJeJejCe he$e Meeefceue kesÀ osMe keÀer mLeeveer³e Dehes#eeDeeW kesÀ cegleeefyekeÀ uesKee hejeref#ele nQ~

��


� [��^� _��"��|��[}�+�§��^��;� �� ;�;�� #�� ?�"��+��#��+��;

� [��^� _�� "�� |�� [�?��^��;�� ;�;�� #�� ?�"�� +��#��+��*��"��;

� [�^� _��"��|��[��+��^��;�� ;�;�� #�� ?�"�� +��#��+��*��"��;

� [��^� �� "�� %|� j��?��;��%|��;��%|��£��|��"��?�� ;� ��;�� %|��£�� <�� j�� ;��;�� j�� ]��>�� |�� \�"��;��j<\|�_��;� �� ;�;�� |�� §�"#�� ;� �� "��;�;��;

� [��^� �� "�� j�=\� [|��^��;�� ~��#�� "�� }��"��Q��#�� "�� Q�� "�� "��;�;��#��"��?�"��;

6. AS 17 “Segment Reporting” Part A: Business Segment

keÀejesyeej KeC[ Business SegmentkeÀes<eeieej Heefj®eeueve

Treasury Operations

LeeskeÀ yeQefkebÀie Heefj®eeueve Wholesale Banking

Operations

Kegoje yeQefkebÀie Heefj®eeueve Retail Banking

Operations

kegÀue Total

2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15

jepemJe �� ;� ��;�� ;� ��;� ��;�� ;�� ;� ��;��

iewj-Deeyebefìle jepemJe �� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX [��;��^ ��;��

Deblej Keb[ jepemJe |��j�?"��

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX �;�� ;��

kegÀue jepemJe <�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ��;�� ;��

heefjCeece �� ;�� ;�� [��;��^ ��;� [��;��^ �;�� [��;��^ ��;��

iewj-Deeyebefìle J³e³e ��=!��

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX [��;��^ [�;�^

heefj®eeueve ueeYe %��?�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX [��;��^ ��;��

Dee³ekeÀj |��"��<�! XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX [�;��^ �;��

DemeeOeejCe ueeYe/neefve =!��'��

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ; ;

efveJeue ueeYe }�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX [��;��^ ��;�

Dev³e peevekeÀejer : Other Information:

Keb[ Deeeqmle³eeb j�?"�� ;�� ;� ��;�� ;� ��;� ��;� ��;� ��;�

iewjDeeyebefìle Deeeqmle³eeb �� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ��; ��;��

kegÀue Deeeqmle³eeb <�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ��;�� ;��

Keb[ os³eleeSb j�?"��#�� ;� ��;�� ;�� ;� ��;�� ;� ��;�� ;��

iewj Deeyebefìle os³eleeSb ��#�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ��;� ��;��

kegÀue os³eleeSb <��#�� XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX ��;�� ;�

[��^ yeQkeÀ Dee@]HeÀ Fbef[³ee (ve³etpeerueQ[) efue. kesÀ ³eLee 31.03.2016 kesÀ efJeÊeer³e efJeJejCehe$e heyebOeve Üeje heceeefCele nQ Deewj mJelev$e meceer#ekeÀ Üeje meceeref#ele nQ~

[��^ yeQkeÀ Dee@]HeÀ Fbef[³ee (³egieeb[e) efue. kesÀ ³eLee 31.03.2016 kesÀ efJeJejCehe$e heýebOeve Üeje hećeeefCele nQ Deewj mLeeveer³e Dehes#eeDeeW kesÀ Devegªhe mJeleb$e meceer#ekeÀ Üeje GmekeÀer meceer#ee keÀer ieF& nw~

[�^ yeQkeÀ Dee@]HeÀ Fbef[³ee (yeeslmJeevee) efue. kesÀ ³eLee 31.03.2016 kesÀ efJeJejCehe$e heýebOeve Üeje hećeeefCele nQ Deewj mLeeveer³e Dehes#eeDeeW kesÀ Devegªhe mJeleb$e meceer#ekeÀ Üeje GmekeÀer meceer#ee keÀer ieF& nw~

[��^ 31.03.2016 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS yeerDeesDeeF& Mes³ej neseÅu[ie efue., mìej ³etefve³eve oeF&-F&®eer ueeFHeÀ FbM³eesjsvme keÀcheveer efue., SmeìermeerDeeF& HeÀeFveWme efue., PeejKeb[ ieéceerCe yeQkeÀ, efJeoYe& keÀeWkeÀCe ieéceerCe kesÀ uesKee hejeref#ele efJeJejCehe$e Deewj 31.12.2015 keÀes meceehle veew cenerveeW kesÀ efueS Fb[es yeQkeÀ peeeqcye³ee yeQkeÀ efue. kesÀ uesKee hejeref#ele efJeJejCehe$e.

[��^ 31.03.2016 keÀes meceehle Je<e& kesÀ efueS yeerDeesDeeF& DekeÌmee FvJesmìceWì cewvespeme& heé. efue., yeerDeesDeeF& DekeÌmee ì^mìer]pe mee|Jemes]pe heé.efue., SSmeDeejF&meer (Fbef[³ee) efue., vece&oe PeyegDee ieéceerCe yeQkeÀ SJeb Dee³e&Jele& ieéceerCe yeQkeÀ kesÀ efyevee uesKee hejeref#ele efJeJejCehe$e GvekesÀ heýebOeve Üeje hećeeefCele nQ~

6. uesKeebkeÀve ceevekeÀ 17 - KeC[ efjheesì& keÀjvee Yeeie keÀ: keÀejesyeej KeC[

}��{� |��"�� }�� ?� ��#��'��#��?"��;

veesì: iewj yeQefkebÀie Deveg<ebefie³eeW/meb³egkeÌle GÐeceeW mes mebyebefOele met®evee keÀes Deveeyebefìle Keb[ kesÀ Debleie&le Meeefceue efkeÀ³ee ie³ee nw~


<�� %|� ?�� ?�� j�?"�� "��?� ��?"�� ?�� j�?"�� j��?"��+��|�?��"��+��j�;

I. Primary Segment: Business Segments�^� Treasury Operations:� ¨<��

j�?"��?� �� "��;�;� ��?� �� "�� j�� %��_��!�%��;

#^� Wholesale Banking:� �� ?� �� +��?;

�^� Retail Banking :��?��!��+��+��?��+��{

� �^� =!��¡�<��"�!�"�"��??��?��!��` 5

� ��^� <�� `� �� ;�;� ��?�� !��?��+��;

�^ Pricing of Inter-Segmental transfers� �� ?� j�?"�� "�� "�#��?�

�� j�?"�� <�� j�?"��"�� #��?� ��?"�� #�� "� ��?� �� ?��#��;

�^ Allocation of Costs� >=!�� #�� ?"��

��?"��

� >=!��#��#�� ?"�� "#��"�� '�#��"��?��;

II. Secondary Segment: Geographical Segments�^� ]�"��%��

#^� |��%��

7. AS 27 “Financial Reporting of Interests in Joint Ventures”:� |��"�� `� �� \�� [ �� `� ��

\��^� ��?� �� +��?� ��{

Sr. No. Name of the Company Amount Country of

Residence Holding %

1 j��]��¡|��|��\�"��;

` ��\�;� |��

yeQkeÀ ves uesKeebkeÀve ceevekeÀ (SSme) 17 kesÀ Devegheeueve ceW Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegªhe yeerDeesDeeF& mecetn ves keÀejesyeejer Keb[ keÀes heéLeefcekeÀ efjheese\ìie Keb[ Deewj YeewieesefuekeÀ Keb[ keÀes ieewCe Keb[ kesÀ ªhe ceW ceev³elee oer nw~

I. heéLeefcekeÀ Keb[ : keÀejesyeejer Keb[S) keÀes<eeieej heefj®eeueve: Keb[ efjheese\ìie kesÀ GÎsM³e nsleg keÀes<eeieej ceW mebhetCe&

efveJesMe mebefJeYeeie Meeefceue nQ pewmes mejkeÀejer leLee Dev³e heéfleYetefle³ee@b, cegêe yeepeej heefj®eeueve leLee HeÀe@jskeÌme heefj®eeueve ceW uesveosve~

yeer) LeeskeÀ yeweEkeÀie: LeeskeÀ yeweEkeÀie ceW Jen meYeer Deefieće meeqcceefuele nQ pees Kegoje yeQeEkeÀie kesÀ Debleie&le meeqcceefuele veneR efkeÀS ieS nQ~

meer) Kegoje yeQeEkeÀie: Kegoje yeQeEkeÀie ceW Jen efveJesMe meeqcceefuele nQ pees efvecveefueefKele oes ceeveob[eW keÀes hetCe& keÀjles nQ :

�^� SkeÌmeheespej : DeefOekeÀlece kegÀue SkeÌmeheespej ` 5 keÀjesæ[ lekeÀ~

��^ kegÀue Jeee|<ekeÀ ìve&DeesJej ` 50 keÀjesæ[ mes keÀce DeLee&le ceewpetoe keÀcheefve³eeW kesÀ ceeceues ceW efJeiele 3 Je<eeX keÀe Deewmele ìve&DeesJej Deewj veF& keÀcheefve³eeW kesÀ efueS hetJee&vegceeefvele ìve&DeesJej nw~

[er) Deblej KeC[er³e DeblejCeeW keÀe cetu³e efveOee&jCe

Kegoje yeQeEkeÀie KeC[ SkeÀ heéLeefcekeÀ ñeesle mebień FkeÀeF& nw SJeb LeeskeÀ KeC[ Deewj keÀes<eeieej KeC[, Kegoje yeQeEkeÀie KeC[ keÀes GmekesÀ Üeje GOeej oer ieF& efveefOe³eeW keÀer #eeflehete|le peceejeefMe³eeW keÀer Deewmele ueeiele keÀes ¢eqäiele jKeles ngS keÀjles nQ~

F&) ueeiele keÀe efJeefve³eespeve - efJeMes<e KeC[ keÀes meerOes heóeve efkeÀS ieS J³e³eeW keÀes mebyebefOele KeC[ ceW

efJeefve³eesefpele efkeÀ³ee ie³ee nw~

- efJeMes<e KeC[ keÀes meerOes ve heóeve efkeÀS ieS J³e³eeW keÀes keÀce&®eeefj³eeW/meb®eeefuele keÀejesyeej keÀer mebK³ee kesÀ Devegheele ceW efJeefve³eesefpele efkeÀ³ee ie³ee nw~

II. ieewCe KeC[ : YeewieesefuekeÀ KeC[

keÀ) mJeosMeer heefj®eeueveKe) Debleje&äêr³e heefj®eeueve7. uesKeebkeÀve ceevekeÀ 27 ’meb³egkeÌle GÐeceeW ceW efveJesMe keÀer efJeÊeer³e efjHeesefì¥ie“

efveJesMe ceW Meeefceue nQ ` 120 keÀjes[ (efheíue Je<e& ` 120 keÀjes[) efvecveefueefKele meb³egÊeÀ ªhe mes efve³ebef$ele F&keÀeF& ceW yeQkeÀ keÀer y³eepe keÀe heéfleefveefOelJe:

ke´À.me. kebÀHeveer keÀe veece jeefMe efveJeeme osMe nesequ[bie%

1 mìej ³etefve³eve [eF&-F&®eer peerJeve yeercee kebÀHeveer efue.,

ª. 120 keÀjes[ Yeejle 48�

YeewieesefuekeÀ KeC[ Geographical Segments

Domestic International Total

efJeJejCe Particulars 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15

jepemJe �� ; ��;� ��;�� ;�� ;�� ;��

Deeeqmle³eeb �� ; ��;�� ;� ��;�� ;�� ;��

Part B: Geographical SegmentYeeie yeer : YeewieesefuekeÀ KeC[


� �??��?��"��#��"��!��?��{

Particulars 31.03.2016 31.03.2015

Liabilities

\�� ;�� ;

]�� ; ;

��+��?� ; ;

%��#�� ;� ��;��

Total 2769.80 2635.25

Assets

\��+��|��

�;�� ;��

��+��

�; ��;�

|��"�� ;� ��;�

�� ;�� ;�

_�!�� ;�� ;�

%�� ;�� ;��

Total 2769.80 2635.25

\��\�""��"�� ; ;

%��\��?��#�� ;� ;��

Income

|��=�� ;�� ;�

%��|��"� ��;�� ;�

Total 45.18 7.88

Expenditure

|��=!�� ; ;

%��?�=!�� ;�� ;��

��\��?�� ; ;

Total 32.88 3.94

��+�� z�+��{ 12.30 3.94

8.� �� ?�� #�� ?��'��?��+��;

meb³egÊeÀ ªhe mes efve³ebef$ele efvekeÀe³eeW ceW mecetn kesÀ efveJesMe mes mebyebefOele Deeeqmle³eeW, os³eleeDeeW, Dee³e SJeb J³e³eeW keÀer kegÀue jeefMe:

efJeJejCe 31.03.2016 31.03.2015

os³eleeSbhetbpeer SJeb Deejef#eefle³eeb ;�� ;

peceejeefMe³eeb ; ;

GOeej ; ;

Dev³e os³eleeSb SJeb heéJeOeeve ��;� ��;��

kegÀue 2769.80 2635.25

Deeeqmle³eebYeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer Deewj Mes<e jeefMe³eeb �;�� ;��

yeQkeÀeW ceW Mes<e Deewj ceebie hej leLee Deuhe met®evee hej heéh³e Oeve

�; ��;�

efveJesMe ��;� ��;�

Deefieće �;�� ;�

De®eue Deeeqmle³eeb �;�� ;�

Dev³e Deeeqmle³eeb ��;�� ;��

kegÀue 2769.80 2635.25

hetbpeeriele yeeO³eleeSb ; ;

Dev³e DeekeÀeqmcekeÀ os³eleeSb �;� ;��

Dee³eDee|pele y³eepe �;�� ;�

Dev³e Dee³e ��;�� ;�

kegÀue 45.18 7.88

J³e³eJ³e³e efkeÀ³ee ie³ee y³eepe ; ;

heefj®eeueve J³e³e ��;�� ;��

heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb ; ;

kegÀue 32.88 3.94

ueeYe / (neefve) 12.30 3.94

8. peneB keÀneR DeeJeM³ekeÀ mecePee ie³ee nw efJeiele Je<e& kesÀ DeebkeÀ[eW keÀes hegve:mecetefnle/hegve:J³eJeeqmLele efkeÀ³ee ie³ee nw~

102


Independent Auditor’s ReportToThe Shareholders of Bank of IndiaReport on the abridged Financial StatementsThe accompanying abridged Financial Statements, which comprise the Standalone and consolidated (a) abridged �� j�� [#^� �� #��?�� and Loss Account and (c) abridged Cash Flow Statement for the year then ended, and related notes are derived from the audited standalone and consolidated Financial Statements of Bank of India (‘the Bank’) for the year ended 31st March 2016. �� !�� "�� _��Statements in our report dated 24th May, 2016.<�� #��?�� "�� disclosures required by the Accounting Standards applied in �� "�� ;�Reading the abridged Financial Statements, therefore, is not a ��#��?��"��;Management’s Responsibility for the Financial StatementsThe Management is responsible for the preparation of summary �� "�� +�� ?�� #��Ministry of Finance, Government of India vide their letter dated �� ?�� +�� #�� statements for the year ended 31st March, 2016 prepared in accordance with regulatory guidelines, accounting standards and accounting policies generally accepted in India.Auditor’s ResponsibilityOur responsibility is to express an opinion on the abridged �� "�� #�� +�� conducted in accordance with Standard of Auditing (SA) 810, �=�?�?�"��""��"��by the Institute of Chartered Accountants of India. Opinion|�� #��?�� "�� in accordance with guidelines issued by Ministry of Finance, Government of India vide their letter dated 1st August, 2012, are �� "� ��"�� #�� year ended 31st March,2016 and are a fair summary of those ��"��;

cesmeme& Sce Sce efvemmeerce Sb[ kebÀ cesmeme& pes. Heer. keÀHetj Sb[ Gyesje³e cesmeme& [er. efmebn. Sb[ kebÀ.For M/s. M. M. Nissim and Co. For M/s. J. P. Kapur & Uberai For M/s. D. Singh & Co.

meveoer uesKeekeÀej Chartered Accountants meveoer uesKeekeÀej Chartered Accountants meveoer uesKeekeÀej Chartered Accountants


mebpe³e Kesceeveer Sanjay Khemani DeªCe ce@iee@ve Arun Magon efmecejve efmebn Simran Singh



cesmeme& ieésJej ueuuee SC[ cesnlee cesmeme& yeer jleve DeB[ SmeesefMeSìme cesmeme& peer [er DeeHeìs DeB[ kebÀHeveerFor M/s. Grover Lalla & Mehta For M/s. B Rattan & Associates For M/s. G D Apte & Co.



HebkeÀpe yebmeue Pankaj Bansal efyeMeceJej kegÀceej keÀCe& Bishamver Kumar Karn meewjYe HesMeJes Saurabh Peshwe



mLeeve : cegbyeF& Place : Mumbai


mJeleb$e uesKee hejer#ekeÀeW keÀer efjheesì&heéfleyeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ Mes³ejOeejkeÀmebef#ehle efJeÊeer³e efJeJejCe hej efjheesì&mebueive mebef#ehle efJeÊeer³e efJeJejCe efpemeceW mìwC[Deueesve leLee mecesefkeÀle (keÀ) mebef#ehle legueve he$e ³eLee 31 cee®e&, 2016, (Ke) mebef#ehle ueeYe leLee neefve Keelee Deewj (ie) meceehle ngS Je<e& keÀe mebef#ehle vekeÀoer he´Jeen, Deewj mebyebefOele efìhheefCe³eeb Meeefceue nQ pees 31 cee®e&, 2016 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ uesKeehejeref#ele mìwC[Deueesve Deewj mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW mes efueS ieS nbw~ nceejs efoveebkeÀ 24 ceF&, 2016keÀer efjheesì& ceW nce Gve efJeÊeer³e efJeJejCeeW hej DeheefjJee|lele uesKee DeefYecele J³eÊeÀ keÀjles nQ~

mebef#ehle efJeÊeer³e efJeJejCe ceW yeQkeÀ kesÀ uesKeehejeref#ele efJeÊeer³e efJeJejCe keÀer lew³eejer ceW ueeiet uesKeebkeÀve ceevekeÀeW kesÀ efueS DeeJeM³ekeÀ meYeer he´keÀìve Meeefceue veneR nQ~ Dele: mebef#ehle efJeÊeer³e efJeJejCe keÀes heæ{e peevee yeQkeÀ kesÀ uesKeehejeref#ele efJeÊeer³e efJeJejCe keÀes heæ{ves keÀer peien veneR ues mekeÀlee~

mebef#ehle efJeÊeer³e efJeJejefCe³eeW kesÀ efueS heýebOeve keÀer efpeccesoejerefJeÊe ceb$eeue³e, Yeejle mejkeÀej Üeje GvekesÀ he$e efoveebkeÀ 1 Deiemle, 2012 ceW peejer efoMeeefveoxMeeW kesÀ Devegªhe efJeÊeer³e efJeJejCeeW keÀe meejebMe lew³eej keÀjves keÀer efpeccesoejer heýebOeve keÀer nw, pees 31 cee®e&, 2016 keÀes meceehle Je<e& kesÀ efueS uesKeeheefjef#ele efJeÊeer³e efJeJejCeeW kesÀ DeeOeej hej Yeejle ceW meeceev³ele: mJeerke=Àle efJeefve³eecekeÀ efoMeeefveoxMeeW, uesKeebkeÀve ceevekeÀeW Deewj uesKeebkeÀve efme×ebleeW hej lew³eej efkeÀ³ee ie³ee nw~

uesKee hejer#ekeÀ keÀer efpeccesoejernceejer efpeccesoejer ³en nw efkeÀ nce Deheveer keÀe³e&efJeefOe, pees Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer uesKeebkeÀve ceevekeÀ (SmeS) 810, mebef#eHle efJeÊeer³e efJeJejCe hej efjheesì& keÀjves kesÀ efve³ece kesÀ Devegªhe peejer efkeÀS ieS nQ,kesÀ DeeOeej hej mebef#ehle efJeÊeer³e efJeJejCe hej Deheveer je³e J³eÊeÀ keÀjW~

je³enceejer je³e ceW mebef#ehle efJeÊeer³e efJeJejCe efJeÊe ceb$eeue³e, Yeejle mejkeÀej kesÀ he$e efoveebkeÀ 1 Deiemle, 2012 kesÀ lenle peejer efoMeeefveoxMeeW kesÀ Devegmeej lew³eej keÀer ieF& nw Deewj ³en 31 cee®e&, 2016 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ kesÀ uesKeeheefjef#ele efJeÊeer³e efJeJejCeeW mes ueer ieF& nw Deewj Gve efJeÊeer³e efJeJejefCe³eeW keÀe Gef®ele meejebMe nw~

103


mJeleb$e uesKee hejer#ekeÀeW keÀer efjheesì&heéfle,Yeejle kesÀ jeä^heefle,efJeÊeer³e efJeJejefCe³eeW hej efjheesì&:

1. nceves yeQkeÀ Dee@]HeÀ Fbef[³ee (yeQkeÀ) kesÀ ³eLee 31 cee®e&, 2016 keÀer efJeÊeer³e efJeJejefCe³eeW

keÀer uesKee hejer#ee keÀer nw efpemekesÀ meeLe ³eLee 31 cee®e&, 2016 keÀe legueve he$e,

ueeYe-neefve Keelee, Gme mece³e meceehle Je<e& keÀe vekeÀo he´Jeen efJeJejCe SJeb cenlJehetCe&

uesKeebkeÀve veerefle³eeW keÀe meejebMe leLee Dev³e J³eeK³eelcekeÀ met®evee mebueive Les~ Fve

efJeÊeer³e efJeJejefCe³eeW ceW efvecveefueefKele efJeJejefCe³ee@b Meeefceue nQ :-

S. nceejs Üeje uesKee hejeref#ele heOeeve keÀe³ee&ue³e , 20 MeeKeeSb Deewj ìs]pejer MeeKee ;

yeer. Dev³e uesKee hejer#ekeÀeW Üeje uesKee hejeref#ele 3102 Iejsuet MeeKeeSb , Deewj

meer. mLeeveer³e uesKee hejer#ekeÀeW Üeje uesKee hejeref#ele 27 efJeosMeer MeeKeeSb

yeQkeÀ ves nceejs Üeje uesKee hejeref#ele SJeb Dev³e uesKee hejer#ekeÀeW Üeje uesKee hejeref#ele

MeeKeeDeeW keÀe ®e³eve, Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej

efkeÀ³ee nw efmeJee³e SkeÀ efJeosMeer MeeKee keÀer efpemekeÀer uesKee hejer#ee mLeeveer³e uesKee

hejer#ekeÀ Üeje veneR keÀer ieF& efpemekeÀe ³eesieoeve Deefieće keÀe 1.38%, peceejeefMe keÀe

1.27%, y³eepe Dee³e keÀe 0.45% Deewj y³eepe J³e³e keÀe 0.33% nw~

legueve he$e SJeb ueeYe neefve Keeles ceW Gve 1893 Iejsuet MeeKeeDeeW keÀer efJeJejefCe³eeW

keÀe Yeer meceeJesMe nw, pees uesKee hejer#ee kesÀ DeO³eOeerve veneR nQ Deewj SkeÀ efJeosMeer

MeeKee efpemekeÀer uesKeehejer#ee veneR ngF& nw~ ³es iewj-uesKee hejeref#ele MeeKeeSb 5.20%

Deefieće, 14.03% peceejeefMe³eeb, 3.66% y³eepe Dee³e Deewj 13.02% y³eepe

J³e³e keÀe ³eesieoeve keÀjleer nQ

efJeÊeer³e efJeJejefCe³eeW kesÀ efueS heýebOeve keÀer efpeccesoejer:

2. Fve efJeÊeer³e efJeJejCeeW keÀes lew³eej keÀjves keÀe GÊejoeef³elJe heýebOeve keÀe nw pees

Yeejleer³e efj]peJe& yeQkeÀ keÀer DeeJeM³ekeÀleeDeeW, yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece,

1949, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece,

1970 kesÀ heéJeOeeveeW, Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer efkeÀS ieS

uesKeebkeÀve ceevekeÀeW meefnle ceev³elee heéhle uesKeebkeÀve he´LeeDeeW kesÀ DevegmejCe ceW lew³eej

efkeÀ³ee peelee nw ~ Fve efpeccesoeefj³eeW ceW OeesKeeOeæ[er ³ee ieueleer kesÀ keÀejCe leeeqlJekeÀ

DeMeg× keÀLeveeW mes cegÊeÀ efJeÊeer³e efJeJejefCe³eeW keÀer lew³eejer nsleg mebiele DeebleefjkeÀ

efve³eb$eCeeW keÀer lew³eejer, keÀe³ee&vJe³eve SJeb jKejKeeJe Meeefceue nw~

uesKee hejer#ekeÀ keÀer efpeccesoejer:

3. nceejer efpeccesoejer ³en nw efkeÀ nce Fve efJeÊeer³e efJeJejCeeW hej DeeOeeefjle nceejer uesKee

hejer#ee hej Deheveer je³e J³eÊeÀ keÀjW~ Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer

uesKee hejer#ee kesÀ ceevekeÀeW kesÀ Devegªhe nceves Dehevee uesKee hejer#ee keÀe³e& efkeÀ³ee nw~

Fve ceevekeÀeW keÀer ³en Dehes#ee Leer efkeÀ nce veweflekeÀ Dehes#eeDeeW keÀe Devegheeueve keÀjW

Deewj uesKee hejer#ee keÀer ³eespevee Fme lejn yeveeS SJeb GmekeÀe ef¬eÀ³eevJe³eve Fme lejn

keÀjW efkeÀ nce Fme mebyebOe ceW Fme yeele keÀe mecegef®ele Deeéeemeve heéhle keÀjW efkeÀ efJeÊeer³e

efJeJejCe leeeqlJekeÀ DeMeg× keÀLeveeW mes cegÊeÀ nQ~

INDEPENDENT AUDITORS’ REPORTToThe President of IndiaReport on the Financial Statements:;� �� "��?� �� "��

�� |�� [�� ^� �� +��comprise the Balance Sheet as at March 31, 2016, the �� \�� _��+� j��"�� ""�� ?��accounting policies and other explanatory information. |��"��{

� �;� <��$��%��#��<��#��audited by us;

b. 3102 domestic branches audited by other auditors; and

c. 27 foreign branches audited by local auditors.

The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued by the Reserve Bank of India except for a foreign branch not audited by local auditor, which account for 1.38% of advances, 1.27% of deposits, 0.45% of interest income and 0.33% of interest expenses.

� �� j�� and Loss Account are the returns from 1893 domestic branches which have not been subjected to audit and 1 foreign branch which has not been audited. These unaudited branches account for 5.20% of advances, 14.03% of deposits, 3.66% of interest income and 13.02% of interest expenses.

Management’s Responsibility for the Financial Statements:2. The Management is responsible for the preparation

�� "�� +�� requirement of Reserve Bank of India, provisions of the Banking Regulation Act, 1949, Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, recognised accounting practices including the Accounting Standards issued by the Institute of Chartered Accountants of India. This responsibility includes the design, implementation and maintenance of internal control �� "�� are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility:3. Our responsibility is to express an opinion on these

�� "�� #�� ;� �� our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to �#�� #�� #�� +�� statements are free from material misstatement.

104


4. efkeÀmeer uesKee hejer#ee ceW, efJeÊeer³e efJeJejefCe³eeW keÀer jeefMe³eeW Deewj hekeÀìveeW kesÀ yeejs ceW uesKeehejer#ee mee#³e heehle keÀjves nsleg heef¬eÀ³eeSb Meeefceue nesleer nQ~ ®e³eefvele heef¬eÀ³eeSb uesKeehejer#ekeÀ kesÀ efveCe&³e hej efveYe&j nesleer nQ efpemeceW efJeÊeer³e efJeJejefCe³eeW ceW, OeesKeeOeæ[er ³ee ieueleer keÀer Jepen mes, leeeqlJekeÀ DeMeg× keÀLeveeW kesÀ peesefKeceeW keÀe DeekeÀueve Meeefceue nw~ Fve peesefKece DeekeÀueveeW keÀes keÀjves ceW , Fve heefjeqmLeefle³eeW kesÀ efueS mecegef®ele uesKee hejer#ee heef¬eÀ³eeSb lew³eej keÀjves nsleg yeQkeÀ keÀer lew³eejer SJeb efJeÊeer³e efJeJejefCe³eeW keÀer v³ee³e mebiele hemlegefle nsleg mebiele DeebleefjkeÀ efve³eb$eCeeW hej uesKee hejer#ekeÀ efJe®eej keÀjlee nw ve efkeÀ yeQkeÀ keÀer DeebleefjkeÀ efve³eb$eCe keÀer heYeeJeMeeruelee hej SkeÀ je³e J³eÊeÀ keÀjves kesÀ GÎsM³e kesÀ efueS~ efkeÀmeer uesKee hejer#ee ceW heyebOeve Üeje he³egÊeÀ uesKeebkeÀve veerefle³eeW keÀer Ghe³egÊeÀlee Deewj uesKeebkeÀve DevegceeveeW keÀer efJeéemeveer³elee leLee efJeÊeer³e efJeJejefCe³eeW keÀer meceie hemlegefle keÀe cetu³eebkeÀve Yeer Meeefceue nw~

5. nceeje efJeéeeme nw efkeÀ nceejs Üeje heéhle efkeÀS ieS uesKee hejer#ee mee#³e he³ee&hle nQ Deewj nceejer uesKee hejer#ee je³e kesÀ efueS Gef®ele DeeOeej heóeve keÀjles nQ ~

DeefYecele:6. nceejer je³e ceW, nceejer meJeexÊece peevekeÀejer Deewj nceW efoS ieS mheäerkeÀjCeeW SJeb

yeQkeÀ keÀer yeefn³eeW ceW oMee&S ieS kesÀ Devegmeej :

De. cenlJehetCe& uesKeebkeÀve veerefle³eeW Deewj Gme hej efìhheefCe³eeW kesÀ meeLe heefþle legueve-he$e DeeJeM³ekeÀ efJeJejCeeW Jeeuee hetCe& Deewj Gef®ele legueve-he$e nw Deewj mener lejerkesÀ mes lew³eej efkeÀ³ee ie³ee nw leeefkeÀ ³eLee 31 cee®e&, 2016 keÀes yeQkeÀ keÀer ieefleefJeefOe³eeW keÀe Yeejle ceW meeceev³ele: mJeerke=Àle uesKeebkeÀve efme×ebleeW kesÀ Devegªhe, mener Deewj Gef®ele heefj¢M³e he´mlegle nes;

yeer. cenlJehetCe& uesKeebkeÀve veerefle³eeW Deewj Gme hej efìhheefCe³eeW kesÀ meeLe heefþle ueeYe Deewj neefve Keelee, Keeles Üeje keÀJej efkeÀS ieS Je<e& kesÀ efueS, meeceev³ele: Yeejle ceW mJeerke=Àle uesKeebkeÀve efme×ebleeW kesÀ Devegªhe ueeYe keÀe mener legueve oMee&lee nw; Deewj

meer. vekeÀoer he´Jeen efJeJejCe, Gme leejerKe keÀes meceehle Je<e& kesÀ efueS vekeÀoer he´Jeen keÀe mener Je Gef®ele ¢M³e he´mlegle keÀjlee nw~

Fme ceeceues keÀe heÝeeJe:7. nce efvecve keÀer Deesj O³eeve DeekeÀe|<ele keÀjles nQ :

S efJeÊeer³e efJeJejCe keÀe veesì meb.18.4 pees mebefoiOe (heéfleYetle efnmmee) kesÀ ªhe ceW Jeieeake=Àle SveheerS kesÀ mebyebOe ceW heéJeOeeveerkeÀjCe kesÀ efueS uesKeebkeÀve veerefle ceW HeefjJele&ve - SkeÀ Je<e& mes leerve Je<e& mes mebyebefOele nw efpemekesÀ heefjCeecemJeªhe Je<e& kesÀ efueS SveheerS kesÀ efueS heéJeOeeve ceW ` 2835.68 keÀjesæ[ keÀer keÀceer efpemekesÀ HeÀuemJeªhe Je<e& kesÀ efueS efveJeue neefve (keÀj keÀes IeìekeÀj) ceW ` 1854.31 keÀjesæ[ keÀer keÀceer nw;

yeer efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (yeer) pees SDeejmeer keÀes efJeÊeer³e Deeeqmle keÀer efye¬eÀer hej neefve kesÀ DeemLeieve mes mebyebefOele nw efpemekesÀ HeÀuemJeªhe heefj®eeueve J³e³e ceW ` 214.24 keÀjesæ[ keÀer keÀceer efpemekesÀ heefjCeecemJeªhe Je<e& kesÀ efueS efveJeue neefve (keÀj keÀes IeìekeÀj) ceW ` 140.10 keÀjesæ[ keÀer keÀceer nw;

meer efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (meer) pees DeejyeerDeeF& heefjhe$e 12 Dehe´wue 2016 kesÀ Devegmeej hebpeeye mejkeÀej Üeje efueS ieS KeeÐe $eÝCe kesÀ mebyebOe ceW heéJeOeeve mes mebyebefOele nw;

[er efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (SHeÀ) pees Yeejleer³e efj]peJe& yeQkeÀ Üeje keÀer ieF& Deeeqmle iegCeJeÊee meceer#ee kesÀ DevegmejCe ceW keÀeflehe³e Deefieće kesÀ mebyebOe ceW hegve:JeieeakeÀjCe Deewj DeefleefjÊeÀ heéJeOeeve mes mebyebefOele nw;

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the �� "��;� <�� on the auditor’s judgement, including the assessment �� "�� "��"�� statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the bank’s preparation and fair presentation �� "�� ?�� procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Bank’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the ��"��;

5. ��#��+��#��and appropriate to provide a basis for our audit opinion.

Opinion:6. In our opinion, as shown by books of Bank, and to the

best of our information and according to the explanations given to us:

� �;� <��j�� +��?��?�policies and notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at March 31, 2016 in conformity with accounting principles generally accepted in India;

� #;� <�� +�� ?��accounting policies and notes thereon shows a true balance of loss, in conformity with accounting principles generally accepted in India, for the year covered by the account; and

c. The Cash Flow Statement gives a true and fair view ��+��;

Emphasis of Matter:

7. We draw attention to:

� �;� }�� }�;�;�� "�� ?� ��change in accounting policy for provisioning in respect ��} ��]��#��[��^�¡��year to three years resulting in decrease in provision for NPAs for the year by ` 2,835.68 Crores with consequential decrease in Net loss for the year (net of tax) by ` 1,854.31 Crores;

� #;� }�� }�;� �;�[#^� �� "��regarding the deferment of the loss on sale of �� \�� ?� �� in operating expenses by ` 214.24 Crores with consequential decrease in Net loss for the year (net of tax) by ` 140.10 Crores;

� �;� }�� }�� ;�[�^� �� "��regarding provision in respect of food credit availed by Government of Punjab, as per RBI Circular dated 12th April 2016.

� �;� }�� }�;� �;�[�^� �� "��?��?� �� in respect of certain advances pursuant to Asset Quality Review conducted by Reserve Bank of India;

105


F& efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (DeeF&) pees Devepe&keÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve nsleg DeemLeeefiele keÀj Deeeqmle kesÀ ceev³elee mes mebyebefOele nw;

SHeÀ efJeÊeer³e efJeJejCe keÀe veesì meb.18.9(pes) pees Je<e& kesÀ oewjeve keÀeflehe³e SveheerS kesÀ efye¬eÀer hej neefve Deewj keÀeflehe³e SveheerS kesÀ efueS heéJeOeeve kesÀ heefjMeesOeve mes mebyebefOele nw, pees cee®e& 2015 mes DeemLeefiele efkeÀ³ee ie³ee nw;

peer efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (kesÀ) pees DeejyeerDeeF& kesÀ Jele&ceeve efoMeeefveoxMeeW kesÀ Devegmeej heeJej ef[eqmì^y³etMeve kebÀheefve³eeW (DISCOM) keÀes $eÝCe/ yeeC[ kesÀ mebyebOe ceW heéJeOeeve mes mebyebefOele nw~

Fve ceeceueeW hej nceejer je³e Mele&-cegÊeÀ veneR nw~

Dev³e efJeefOekeÀ SJeb efJeefve³eecekeÀ Dehes#eeDeeW hej efjheesì&

8. leguevehe$e Deewj ueeYe Deewj neefve Keelee, ¬eÀceMe: yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece, 1949 keÀer leermejer Devegmet®eer kesÀ HeÀe@ce& `S' SJeb `yeer' ceW lew³eej efkeÀS ieS nQ~

9. GÊeÀ hewje 1 mes 5 ceW GequueefKele uesKeehejer#ee meerceeDeeW kesÀ DeOeerve Deewj yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 keÀer DeeJeM³ekeÀleeDeeW kesÀ Devegmeej SJeb FmeceW Dehesef#ele he´keÀìve meerceeDeeW kesÀ DeO³eOeerve, nce efjheesì& keÀjles nQ efkeÀ :

S nceves Gve meYeer met®eveeDeeW SJeb mheäerkeÀjCeeW keÀes heéhle efkeÀ³ee nw pees nceejer hetjer peevekeÀejer Deewj efJeéeeme kesÀ Devegmeej nceejer uesKeehejer#ee kesÀ he´³eespeve kesÀ efueS DeeJeM³ekeÀ Les Deewj GvnW meblees<epevekeÀ hee³ee nw;

yeer yeQkeÀ kesÀ uesve-osve pees nceejer peevekeÀejer ceW DeeS nQ Jes yeQkeÀ kesÀ DeefOekeÀej #es$e kesÀ Yeerlej nQ; Deewj

meer yeQkeÀ kesÀ keÀe³ee&ue³eeW SJeb MeeKeeDeeW mes heéhle efJeJejefCe³ee@b nceejer uesKeehejer#ee kesÀ he´³eespeve kesÀ efueS he³ee&hle hee³eer ie³eer nQ~

10. nceejer je³e ceW, legueve he$e, ueeYe-neefve Keelee SJeb vekeÀoer he´Jeen efJeJejCe, ueeiet uesKeebkeÀve ceevekeÀeW keÀe Devegheeueve keÀjles nQ~

cesmeme& Sce Sce efvemmeerce Sb[ kebÀ cesmeme& pes. Heer. keÀHetj Sb[ Gyesje³e cesmeme& [er. efmebn. Sb[ kebÀ.For M. M. Nissim and Co. For J. P. Kapur & Uberai For D. Singh & Co.






cesmeme& ieésJej ueuuee SC[ cesnlee cesmeme& yeer jleve DeB[ SmeesefMeSìme cesmeme& peer [er DeeHeìs DeB[ kebÀHeveerFor Grover Lalla & Mehta For B Rattan & Associates For G D Apte & Co.








� �;� }��}��;�[�^��"��?��?�recognition of Deferred Tax Asset on account of provisions for Non Performing Assets;

� �;� }�� }�;� �;�[�^� �� "��regarding amortisation of provision for certain NPAs and loss on sale of certain NPAs during the year, which was deferred from March 2015;

� ?;� }�� }�� ;�[�^� �� "��regarding provision in respect of loans/bonds of Power Distribution Companies (DISCOM), as per extant RBI guidelines.

%��*��"��;

Report on Other Legal and Regulatory Requirements�;� <��j��

#�� +�� _��"�� Third Schedule to the Banking Regulation Act, 1949.

9. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and subject also to the limitations of disclosure required therein, we report that:

a. We have obtained all the information and explanations, which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory;

b. The transactions of the Bank which have come to our notice have been within the powers of the Bank; and

� �;� <�� "� �� #��of the Bank have been found adequate for the purposes of our audit.

;� |��j�� and Cash Flow Statement comply with the applicable Accounting Standards.

106


REPORT OF THE INDEPENDENT AUDITORSToThe Board of Directors of Bank of IndiaReport on the Consolidated Financial Statements;� �� "��?� ��

��"�� |�� [�� ^� �� subsidiaries, associates and joint ventures collectively �� |� �� "��"��\��j�� \�� j��"�� and Loss and Consolidated Cash Flow Statement for the year �� ?��+��""�� ?��?�policies and other explanatory information. The consolidated ��"��#��¡

a) Financial statements of the Parent Bank audited by us;

b) Financial statements of four domestic subsidiaries, one domestic joint venture, one domestic associates audited by other auditors; and

� �^� �_�� "�� #��prepared by the Management and reviewed by other ��©��

� �^� �� "�� "��associates and one overseas associate.

Management’s Responsibility for the Consolidated Financial Statements

2. Management is responsible for the preparation of these ��"��?��+�� "�� +�� |� �� accordance with accounting principles generally accepted in India; this includes the design, implementation and maintenance of internal control relevant to the preparation and �� "�� ?��a true and fair view and are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these �� "�� #�� ;� ��conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated ��"��"�"��"��"��;

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the �� "��;� <�� depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the consolidated �� "��+�� ;� |��"��?�those risk assessments, the auditor considers internal control relevant to the BOI Group’s preparation and presentation �� "�� ?��

mJeleb$e uesKee hejer#ekeÀeW keÀer efjheesì& heéfle,yeQkeÀ Dee@HeÀ Fbef[³ee keÀe efveosMekeÀ ceb[uemecesefkeÀle efJeÊeer³e efJeJejCeeW hej efjheesì& 1. nceves yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ mebueive mecesefkeÀle efJeÊeer³e efJeJejCe (cetue yeQkeÀ) Deewj

Deveg<ebefie³eeW, mene³ekeÀeW Deewj meb³egÊeÀ GÐece, FmekesÀ yeeo efpemes meb³egÊeÀ ªhe mes `yeesDeesDeeF& ie´the’ keÀne ie³ee nw Deewj mecesefkeÀle efJeJejCe kesÀ meeLe 31 cee®e&, 2016 kesÀ mecesefkeÀle legueve-he$e, mecesefkeÀle ueeYe neefve Keelee Deewj meceehle ngS Je<e& keÀe mecesefkeÀle vekeÀoer he´Jeen efJeJejCe, cenlJehetCe& uesKee veerefle³eeW Deewj Dev³e J³eeK³eelcekeÀ met®evee keÀer uesKee hejer#ee keÀer nw~ mecesefkeÀle efJeÊeer³e efJeJejCe efvecveefueefKele hej DeeOeeefjle nw-

keÀ. nceejs Üeje uesKee hejeref#ele cetue yeQkeÀ kesÀ efJeÊeer³e efJeJejCe,

Ke. Dev³e uesKee hejer#ekeÀeW Üeje uesKee heefjef#ele ®eej mJeosMeer Deveg<ebieer, SkeÀ mJeosMeer meb³egÊeÀ GÐece, leerve mJeosMeer mene³ekeÀ kebÀheefve³eeB, SkeÀ efJeosMeer mene³ekeÀ kebÀheveer kesÀ efJeÊeer³e efJeJejCe, Deewj

ie. heeb®e efJeosMeer Deveg<ebefie³eeW kesÀ efJeÊeer³e efJeJejCe, pees heýebOeve Üeje lew³eej efkeÀS ieS nQ, efpevekeÀer Dev³e uesKee-hejer#ekeÀeW ves meceer#ee keÀer nw, Deewj

Ie. leerve mJeosMeer mene³ekeÀ kebÀheefve³eeW SJeb SkeÀ efJeosMeer mene³ekeÀ kebÀheveer kesÀ DeuesKee-hejeref#ele efJeÊeer³e efJeJejCe~

mecesefkeÀle efJeJejCe kesÀ efueS heýebOeve keÀe GÊejoeef³elJe

2. Fve efJeÊeer³e efJeJejCeeW keÀe GÊejoeef³elJe cetue yeQkeÀ kesÀ heýebOeve keÀe nw, ³es mecesefkeÀle efJeÊeer³e efJeJejCe, mecesefkeÀle efJeÊeer³e eqmLeefle, mecesefkeÀle efJeÊeer³e keÀe³e&-efve<heeove Deewj Deece leewj hej Yeejle ceW mJeerkeÀe³e& uesKeebkeÀve efme×ebleeW kesÀ Devegmeej yeerDeesDeeF& ie´ghe kesÀ mecesefkeÀle vekeÀoer he´Jeen keÀe mener Deewj Gef®ele heefj¢M³e he´mlegle keÀjles nQ; FmeceW ef[peeFve, keÀe³ee&vJe³eve Deewj efJeÊeer³e efJeJejCe lew³eej keÀjves Deewj he´mlegefle kesÀ efueS mebyebefOele jKe-jKeeJe Meeefceue nQ, pees mener Deewj Gef®ele heefj¢M³e he´mlegle keÀjles nQ leLee leeeqlJekeÀ DeMeg× keÀLeveeW mes cegÊeÀ nQ, ®eens OeesKeeOeæ[er ³ee $egefì mes ngDee nes~

uesKee hejer#ekeÀeW keÀe GÊejoeef³elJe

3. nceejer uesKee hejer#ee kesÀ DeeOeej hej Fve mecesefkeÀle efJeÊeer³e efJeJejCeeW hej je³e DeefYeJ³eÊeÀ keÀjvee nceeje GÊejoeef³elJe nw~ nceves Deheveer uesKee hejer#ee Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer uesKee hejer#eeceevekeÀeW kesÀ Devegmeej keÀer nw~ Fve ceevekeÀeW keÀer Dehes#ee nw efkeÀ nce veereflehejkeÀ DeeJeM³ekeÀleeDeeW keÀe heeueve keÀjW Deewj efJeÊeer³e efJeJejCe he$e leeeqlJekeÀ DeMeg× keÀLeveeW mes cegÊeÀ nQ, FmekesÀ yeejs ceW mecegef®ele SM³eesjWme heéhle keÀjves kesÀ efueS ³eespevee yevee³eW Deewj GmekeÀe efve<heeove keÀjW~

4. uesKee hejer#ee ceW mecesefkeÀle efJeÊeer³e efJeJejCeeW ceW jeefMe³eeW SJeb he´keÀìerkeÀjCe kesÀ yeejs ceW uesKee hejer#ee mee#³e heéhle keÀjves kesÀ efueS keÀe³e& efve<heeove heéf¬eÀ³ee Meeefceue nw~ ®egveer ieF& heéf¬eÀ³ee uesKee hejer#ekeÀeW kesÀ efveCe&³e hej efveYe&j keÀjleer nw, efpemeceW mecesefkeÀle efJeÊeer³e efJeJejCe kesÀ leeeqlJekeÀ DeMeg× keÀLeveeW kesÀ cetu³eebkeÀve keÀe peesefKece Meeefceue nw, ®eens Jen OeesKeeOeæ[er ³ee $egefì kesÀ keÀejCe nes, Fve peesefKeceeW keÀe cetu³eebkeÀve keÀjves ceW uesKee hejer#ekeÀves yeerDeesDeeF& mecetn kesÀ mecesefkeÀle efJeÊeer³e efJeJejCe kesÀ

107


and fair view in order to design audit procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of ��"��;

5. We believe that the audit evidence we have obtained is �� #�� opinion.

Opinion

6. In our opinion and to the best of our information and according to the explanations given to us and based on the consideration of the reports of the other auditors on the �� "�� #�� #��+�� "�� ?�� +� ��conformity with the accounting principles generally accepted in India;

a) in the case of the Consolidated Balance Sheet, of the state of affairs of the BoI Group as at 31st March 2016;

� #^� �� \��j��"�� Loss, of the loss for the year ended on that date; and

c) in the case of the Consolidated Cash Flow Statement, ��+��;

Emphasis of Matter

7. We draw attention to:

� �^� �}�� }�;�;�� "��relating to change in accounting policy for provisioning �� } �� ]��#�� [��^�¡�� ?� ��in provision for NPAs for the year by ` 2,835.68 Crores with consequential decrease in Net loss for the year (net of tax) by `1,854.31 Crores;

� #^� �}�� }�;� �;�[�^� �� statements regarding the deferment of the loss on �� \�� ?� �� in operating expenses by ` 214.24 Crores with consequential decrease in Net loss for the year (net of tax) by ` 140.10 Crores;

� �^� �}�� }�� ;�[#^� �� statements regarding provision in respect of food credit availed by Government of Punjab, as per RBI Circular dated 12th April 2016.

� �^� �}�� }�;� �;�[�^� �� "�� ?��?� ��>�� provision in respect of certain advances pursuant to Asset Quality Review conducted by Reserve Bank of India;

� �^� �}�� }�� ;�[?^� �� statements regarding recognition of Deferred Tax Asset on account of provisions for Non Performing Assets;

lew³eej keÀjves Deewj he´mlegefle ceW DeebleefjkeÀ efve³eb$eCe mebye×lee keÀe O³eeve jKee nw, pees uesKee hejer#ee kesÀ ef[peeFve kesÀ efueS mener Deewj Gef®ele heefj¢M³e he´mlegle keÀjlee nw Deewj pees Fve heefjeqmLeefle³eeW ceW Gef®ele nw~ uesKee hejer#ee ceW Ghe³eesie keÀer ieF& uesKee veerefle³eeW keÀer Ghe³egÊeÀlee keÀe cetu³eebkeÀve Deewj heýebOeve Üeje efkeÀS ie³es uesKee DevegceeveeW keÀe cetu³eebkeÀve Deewj meeLe ner mecesefkeÀle efJeÊeer³e efJeJejCe keÀer mebhetCe& he´mlegefle keÀe cetu³eebkeÀve Meeefceue nw~

5. nceeje efJeéeeme nw efkeÀ nceejs Üeje heéhle efkeÀS ie³es uesKee hejer#ee mee#³e he³ee&hle nQ Deewj nceejer uesKee je³e keÀes Gef®ele DeeOeej heóeve keÀjles nQ ~

DeefYecele

6. nceejer je³e Deewj DeefOekeÀlece peevekeÀejer leLee nceW efoS ie³es mheäerkeÀjCe Deewj Deveg<ebefie³eeW kesÀ efJeÊeer³e efJeJejCeeW hej Dev³e uesKee hejer#ekeÀeW kesÀ efJe®eej kesÀ DeeOeej hej, ³eLee veer®es efoS ie³es, mecesefkeÀle efJeÊeer³e efJeJejCe Deece leewj hej Yeejle ceW mJeerkeÀej efkeÀS ie³es uesKee efme×ebleeW kesÀ Devegªhe mener Deewj Gef®ele heefj¢M³e he´mlegle keÀjles nQ~

keÀ. mecesefkeÀle legueve-he$e kesÀ mebyebOe ceW 31 cee®e&, 2016 keÀer eqmLeefle kesÀ Devegmeej yeerDeesDeeF& ie´the kesÀ keÀe³eeX keÀer eqmLeefle,

Ke Gmeer leejerKe keÀes meceehle ngS Je<e& kesÀ ueeYe keÀe mecesefkeÀle ueeYe Deewj neefve Keeles keÀer eqmLeefle Deewj

ie. Gmeer leejerKe keÀes meceehle ngS Je<e& kesÀ vekeÀoer he´Jeen kesÀ mecesefkeÀle vekeÀoer he´Jeen efJeJejCe keÀer eqmLeefle

Fme ceeceues keÀe heÝeeJe

7. nce efvecve keÀer Deesj O³eeve DeekeÀe|<ele keÀjles nQ :

S) mecesefke´Àle efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 pees mebefoiOe (heéfleYetle efnmmee) kesÀ ªhe ceW Jeieeake=Àle SveheerS kesÀ mebyebOe ceW heéJeOeeveerkeÀjCe kesÀ efueS uesKeebkeÀve veerefle ceW HeefjJele&ve SkeÀ Je<e& mes leerve Je<e& mes mebyebefOele nw efpemekesÀ heefjCeecemJeªhe Je<e& kesÀ efueS SveheerS kesÀ efueS heéJeOeeve ceW ` 2835.68 keÀjesæ[ keÀer keÀceer efpemekesÀ HeÀuemJeªhe Je<e& kesÀ efueS efveJeue neefve (keÀj keÀes IeìekeÀj) ceW `1854.31 keÀjesæ[ keÀer keÀceer nw;

yeer) efJeÊeer³e efJeJejCe keÀe veesì meb.18.12 (S) pees SDeejmeer keÀes efJeÊeer³e Deeeqmle keÀer efye¬eÀer hej neefve kesÀ DeemLeieve mes mebyebefOele nw efpemekesÀ HeÀuemJeªhe heefj®eeueve J³e³e ceW `214.24 keÀjesæ[ keÀer keÀceer efpemekesÀ heefjCeecemJeªhe Je<e& kesÀ efueS efveJeue neefve (keÀj keÀes IeìekeÀj) ceW `140.10 keÀjesæ[ keÀer keÀceer nw;

meer) efJeÊeer³e efJeJejCe keÀe veesì meb.18.12 (yeer) pees DeejyeerDeeF& heefjhe$e 12 Dehe´wue 2016 kesÀ Devegmeej hebpeeye mejkeÀej Üeje efueS ieS KeeÐe $eÝCe kesÀ mebyebOe ceW heéJeOeeve mes mebyebefOele nw;

[er) efJeÊeer³e efJeJejCe keÀe veesì meb.18.9 (meer) pees Yeejleer³e efj]peJe& yeQkeÀ Üeje keÀer ieF& Deeeqmle iegCeJeÊee meceer#ee kesÀ DevegmejCe ceW keÀeflehe³e Deefieće kesÀ mebyebOe ceW hegve:JeieeakeÀjCe Deewj DeefleefjÊeÀ heéJeOeeve mes mebyebefOele nw;

F&) efJeÊeer³e efJeJejCe keÀe veesì meb.18.12 (peer) pees Devepe&keÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve nsleg DeemLeeefiele keÀj Deeeqmle kesÀ ceev³elee mes mebyebefOele nw;

108


� �^� �}�� }�;� �;�[�^� �� statements regarding amortisation of provision for certain NPAs and loss on sale of certain NPAs during the year, which was deferred from March 2015;

� ?^� �}�� }�� ;�[�^� �� statements regarding provision in respect of loans/bonds of Power Distribution Companies (DISCOM), as per extant RBI guidelines.

%��*��"��;

Other Matters

�;� ��"��¡

� �^� ��#�� +�� "�� assets (net) of ` 2,937 Crores, total revenues (net) of ` ��\��+��` 3,894 Crores,

� #^� �� +�� "�� assets (net) of ` 2,752 Crores, total revenues (net) of ` ��\��+��` 1 Crores,

� �^� �� ?� �� Bank of ` 59 Crores.

� �<�� "�� #�� '� ��+�� #��other auditors whose reports have been furnished to us by �� ?�"�� statements to the extent they have been derived from such �� "�� #�� ;� %�� *�� this matter.

�;� �� >�� "��six associates as made available to us by the management of �� #��+��` 33 Crores have been considered in the consolidation.

;� �%�� *�� "�� paragraphs 7 and 8 above.

cesmeme& Sce Sce efvemmeerce Sb[ kebÀ cesmeme& pes. Heer. keÀHetj Sb[ Gyesje³e cesmeme& [er. efmebn. Sb[ kebÀ.For M. M. Nissim and Co. For J. P. Kapur & Uberai For D. Singh & Co.






cesmeme& ieésJej ueuuee SC[ cesnlee cesmeme& yeer jleve DeB[ SmeesefMeSìme cesmeme& peer [er DeeHeìs DeB[ kebÀHeveerFor Grover Lalla & Mehta For B Rattan & Associates For G D Apte & Co.








SHeÀ) efJeÊeer³e efJeJejCe keÀe veesì meb.18.12 (S®e) pees Je<e& kesÀ oewjeve keÀeflehe³e SveheerS kesÀ efye¬eÀer hej neefve Deewj keÀeflehe³e SveheerS kesÀ efueS heéJeOeeve kesÀ heefjMeesOeve mes mebyebefOele nw, pees cee®e& 2015 mes DeemLeefiele efkeÀ³ee ie³ee nw;

peer) efJeÊeer³e efJeJejCe keÀe veesì meb.18.12 (DeeF&) pees DeejyeerDeeF& kesÀ Jele&ceeve efoMeeefveoxMeeW kesÀ Devegmeej heeJej ef[eqmì^y³etMeve kebÀheefve³eeW (DISCOM) keÀes $eÝCe/ yeeC[ kesÀ mebyebOe ceW heéJeOeeve mes mebyebefOele nw~

Fve ceeceueeW hej nceejer je³e Mele&-cegÊeÀ veneR nw

Dev³e ceeceues

8. nceves efvecve kesÀ efJeÊeer³e efJeJejCeeW keÀer uesKee hejer#ee veneR keÀer Leer~

keÀ. Jes Deveg<ebefie³eeW efpevekesÀ efJeÊeer³e efJeJejCe kegÀue Deeeqmle³eeB (efveJeue) ` 2937 keÀjesæ[, kegÀue jepemJe (efveJeue) ` 341 keÀjesæ[ Deewj efveJeue vekeÀoer yee¿e he´Jeen keÀer jeefMe ` 3894 keÀjesæ[ oMee&leer nw,

Ke. Jes meb³egÊeÀ GÐece efpevekeÀe efJeÊeer³e efJeJejCe kegÀue Deeeqmle³eeB (efveJeue) ` 2732 keÀjesæ[, kegÀue jepemJe (efveJeue) ` 45 keÀjesæ[ leLee efveJeue yee¿e he´Jeen ª.1 keÀjesæ[ oMee&leer nQ~

ie. mene³ekeÀ kebÀheefve³ee@b cetue yeQkeÀ kesÀ efveJeue ueeYe keÀe efnmmee `59 keÀjesæ[ oMee&leer nQ~

Fve efJeÊeer³e efJeJejCeeW keÀer uesKee hejer#ee/meceer#ee Dev³e uesKee hejer#ekeÀeW Üeje keÀer ieF& nw, efpevekeÀer efjheesìX nceW heýebOeve Üeje he´mlegle keÀer ieF& nQ Deewj Ssmes efJeÊeer³e efJeJejeCe mes efueS ieS mecesefkeÀle efJeÊeer³e efJeJejCeeW keÀer meercee lekeÀ nceejer je³e kesÀJeue Dev³e uesKee hejer#ekeÀeW keÀer efjheesìeX hej DeeOeeefjle nw~ Fme ceeceues ceW nceejer je³e mee#eshe veneR nw~

9. nce 06 mene³ekeÀ kebÀheefve³eeW kesÀ DeuesKee-hejeref#ele efJeÊeer³e efJeJejCeeW hej efveYe&j nQ, pewmee efkeÀ nceW cetue yeQkeÀ kesÀ heyebOeve Üeje GheueyOe keÀje³ee ie³ee nw, efpemekesÀ DeeOeej hej `33 keÀjesæ[ kesÀ ueeYe kesÀ efnmmes keÀe meceskeÀve ceW efJe®eej efkeÀ³ee ie³ee nw~

10. Ghe³eg&ÊeÀ hewjeieéHeÀ 7 Deewj 8 ceW yelee³es ie³es ceeceueeW kesÀ mebyebOe ceW Deheveer je³e J³eÊeÀ keÀjvee Gef®ele veneR nw~

109


HeÓeeve keÀe³ee&ue³e : mìej neTme, meer - 5, peer yuee@keÀ, yeebêe-kegÀuee& mebkegÀue, yeebêe (HetJe&), cegbyeF& - 400 051

ceQ/nce______________________________________________efveJeemeer_____________________________________________________efpeuee ______________________________ jep³e ______________________________yeQkeÀ Dee@]HeÀ Fbef[³ee keÀe/kesÀ Mes³ejOeejkeÀ ntb/nQ Deewj ceQ/nce SleoÜeje Þeer/Þeerceleer ________________________________ efveJeemeer ____________________ efpeuee __________________ jep³e _________________keÀes ³ee GvekesÀ GheeqmLele ve nesves hej Þeer/Þeerceleer ________________________________ efveJeemeer _________________________________________ efpeuee ____________________________ jep³e __________________ keÀes cesjs/nceejs efueS leLee cesjer/nceejer Deesj mes ieg©Jeej efoveebkeÀ 14 pegueeF& 2016 keÀes Dee³eesefpele yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ Mes³ejOeejkeÀeW keÀer yewþkeÀ ceW Deewj mebyebefOele yewþkeÀ kesÀ mLeieve keÀer eqmLeefle ceW celeoeve kesÀ efueS hejes#eer kesÀ ªhe ceW efve³egÊeÀ keÀjlee ntb/keÀjles nQ~

ceen _________________________ keÀer __________________ 2016 keÀes nmlee#eefjle~

hejes#eer kesÀ nmlee#ej ____________________________

veeceë ___________________________________

heleeë ___________________________________

______________________________________

Hejes#eer HeÀece&(Mes³ejOeejkeÀ Üeje Yeje Deewj nmlee#eefjle efkeÀ³ee peeS)

HeÀesefue³ees veb. ________________ [er. Heer. DeeF&[er veb ________________ ieénkeÀ DeeF&[er vebb ________________(³eefo DeHetleeakeÀjCe ve efkeÀ³ee ie³ee nes) (³eefo DeHetleeakeÀjCe efkeÀ³ee ie³ee nes)

hejes#eer HeÀece& hej nmlee#ej keÀjves Deewj Fmes pecee keÀjves mebyebOeer DevegosMe

1. keÀesF& hejes#eer efueKele leye lekeÀ JewOe veneR ceeveer peeSieer peye lekeÀ efkeÀ Jen,

keÀ. SkeÀcee$e Mes³ejOeejkeÀ J³eefÊeÀ kesÀ ceeceues ceW Mes³ejOeejkeÀ Üeje ³ee GvekesÀ Üeje efueefKele ceW efJeefOeJele heéefOeke=Àle Deìveea Üeje nmlee#eefjle veneR nesieer~

Ke. meb³egÊeÀ OeejkeÀeW kesÀ ceeceues ceW ³en jefpemìj ceW ope& he´Lece Mes³ejOeejkeÀ Üeje ³ee GvekesÀ Üeje efueefKele ªhe ceW efJeefOeJele heéefOeke=Àle Deìveea Üeje nmlee#eefjle veneR neW~

ie. efveieefcele efvekeÀe³e kesÀ ceeceues ceW efueefKele ªhe ceW efJeefOeJele heéefOeke=Àle DeefOekeÀejer ³ee Deìveea Üeje nmlee#eefjle veneR nesieer~

2. hejes#eer efueKele efkeÀmeer Mes³ejOeejkeÀ Üeje he³ee&hle ªhe mes nmlee#eefjle nesveer ®eeefnS efkeÀvleg efkeÀmeer keÀejCeJeMe Mes³ejOeejkeÀ Dehevee veece efueKeves ceW DemeceLe& nw Deewj GvekesÀ Debietþs keÀe efveMeeve Jeneb ueiee nw lees Jen efveMeeve v³ee³eOeerMe, ceefpemì^sì, SM³egjWme jefpemìêj ³ee Ghe jefpemìêj ³ee efkeÀmeer Dev³e mejkeÀejer jepeheef$ele DeefOekeÀejer ³ee yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ efkeÀmeer DeefOekeÀejer Üeje mee#³eebefkeÀle (Deìsmìs[) nesvee ®eeefnS~

3. keÀesF& Yeer hejes#eer leye lekeÀ JewOe veneR nesiee peye lekeÀ Gme hej efJeefOeJele jmeeroer efìkeÀì ve ueiee nes Deewj Gmes efvecveefueefKele heles hej Jeee|<ekeÀ Deece yewþkeÀ keÀer leejerKe mes keÀce mes keÀce SkeÀ efove henues pecee veneR keÀje³ee ie³ee nes~ GmekesÀ meeLe Gme hee@Jej Dee@]HeÀ Deìveea ³ee Dev³e heéefOekeÀej (³eefo keÀesF& nes) efpemekesÀ lenle Gmes nmlee#eefjle efkeÀ³ee ie³ee nes ³ee Gme hee@Jej Dee@]HeÀ Deìveea keÀer heéfle ³ee Dev³e heéefOekeÀej efpemes veesìjer DeLeJee v³ee³eOeerMe ves mel³e heéfle kesÀ ©he ceW hećeeefCele efkeÀ³ee nes, keÀes yeQkeÀ ceW efvecve heles hej henues pecee Deewj hebpeerke=Àle ve efkeÀ³ee ie³ee nes : yeQkeÀ Dee@]HeÀ Fbef[³ee, Mes³ej efJeYeeie, heÓeeve keÀe³ee&ue³e, 8 JeeR cebefpeue, mìej neGme, meer-5, ’peer’ yuee@keÀ, yeebêe-kegÀuee& mebkegÀue, yeebêe (hetJe&), cegbyeF& 400 051.

4. yeQkeÀ kesÀ heeme pecee keÀer ie³eer hejes#eer keÀer efueKele DeheéflemebnjCeer³e leLee Debeflece nesieer~

5. efJekeÀuhe ceW oes J³eefÊeÀ³eeW kesÀ he#e ceW heóÊe hejes#eer keÀer efueKele kesÀ ceeceues ceW SkeÀ mes DeefOekeÀ HeÀece& efve<heeefole veneR efkeÀ³ee peeSiee~

6. hejes#eer keÀer efueKele keÀes efve<heeefole keÀjves Jeeues Mes³ejOeejkeÀ Jeee|<ekeÀ DemeeOeejCe Deece yewþkeÀ ceW J³eefÊeÀiele ªhe mes celeoeve keÀjves kesÀ nkeÀoej veneR neWies~

7. efkeÀmeer Yeer Ssmes J³eefÊeÀ keÀes efJeefOeJele heéefOeke=Àle heéfleefveefOe DeLeJee hejes#eer kesÀ ªhe ceW efve³egÊeÀ veneR efkeÀ³ee peeSiee pees yeQkeÀ Dee@HeÀ Fbef[³ee keÀe DeefOekeÀejer DeLeJee keÀce&®eejer nes~

RevenueStamp

he´Lece /SkeÀcee$e Mes³ej OeejkeÀ kesÀ nmlee#ej

110


$��%��{�j��$��\>��¨��\�"��!��[=��^��"#��>��;

�_��}�;³³³³³³³³³³³³³³³³³³� � � � � � � � ] �|]�}�;³³³³³³³³³³³³³³³³³[|��"�� ^� � � � � � � � � � � � \��|]�³³³³³³³³³³³³³³³³³³� � � � � � � � � � � � [��"�� ^

|'��³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³� �� ³³³³³³³³³³³³³³³³³³³³³³³³� �� ³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³� �� ³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³#��?� �� '�� |�� #�� j��'j"�³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³�� ³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³��³³³³³³³³³³³³³��³³³³³³³³³³³³³³³³³³³³³³³³³³³��?��"'��j��'j"�;�³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³��³³³³³³³³³³³³³³³³³³³³³³��³³³³³³³³³³³³³³³³³³³³³³³³��³³³³³³³³³³³³³³³��"�'��!��"�'��"�'��#��?��|��#��<��Q��"��;

j�?��³³³³³³³³³³³³³³³³³³³³³³³³³³³��³³³³³³³³³��;

j�?�� !��³³³³³³³³³³³³³

}�"��³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³

��³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³³�³³³

________________________________________________________

________________________________________________________

PROXY FORM[<��#��?��#��j��^

INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

;� }��"��!��#��

� �^� ��?��#��'��+��?;

� #^� ��?��#��"��?��'��+��?;

� �^� ��#��?��#��+��?;

�;� �� "�� !�� #�� ?�� #�� +�� #�� +�� '�� "�� '�� "�� !�� #�� Q��?�� ?�� ?�� j�#>��?�� "�� %��%��|��;

�;� }��!��#�� "�� +��?�� FOUR DAYS�#�� ?�� ?�� +�� +�� [�� ^� �� +�� ?�� +�� #�� }�� #�� ?�� +��?��+��Bank of India, Investor Relation #�^��]�,��th�%@++��+/��*��@+\��,��*�/�@��+]^@�}��,��z"��{��/]��*��

�;� ��"��!��+��#��#��;

�;� |��"��!��?��+��?��"��"��#��!��;

�;� <��+��!��"��!��#��=!��?;

�;� }��#��!��+��"��;

RevenueStamp

j�?��"��'��

111


GheeqmLeefle he®eea - men - He´JesMe - He$e - men - celeoeve HesHej HeemeJeeef<e&keÀ Deece yewþkeÀ

ATTENDANCE SLIP-CUM-ENTRY PASS-CUM-BALLOT PAPER PASSANNUAL GENERAL MEETING

efoveebkeÀ : ieg©Jeej, 14 pegueeF&, 2016, oesHenj 03.00 yepes#��/��_��/@_�~��

He´Lece keÀe³ee&ue³e: mìej neTme, meer - 5, `peer' yuee@keÀ, yeebêe - kegÀuee& mebkegÀue yeebêe (HetJe&), cegbyeF& - 400 051��"��|��\��>��\�"��!��"#��

GheeqmLeefle he®eea(He´JesMe kesÀ mece³e pecee keÀjves nsleg)

ATTENDANCE SLIP[��#��"��=��^

veece (mHe<ì De#ejeW ceW) (meom³e / Hejes#eer / SDeej)}��=]�|}��%\��=<<=�j�[��"#��' ��!�'��^

HeÀesefue³ees ke´À. ieénkeÀ DeeF&[er veb. [erHeer DeeF&[er veb._%�|%�}%;'] |]�}�;'�\�|=}<�|]�}%;

Mes³ejeW keÀer mebK³ee}�;��j��

GheeqmLele Mes³ejOeejkeÀ/hejes#eer/heéfleefveefOe kesÀ nmlee#ej� j�?��j��'� ��!��'��

he´JesMe he$e(Hetjer yewþkeÀ kesÀ oewjeve DeHeves Heeme jKee peeS)

ENTRY PASS[��#��?��"��?^

Jeeef<e&keÀ Deece yewþkeÀ efoveebkeÀ : ieg©Jeej, 14 pegueeF&, 2016, oesHenj 03.00 yepes ANNUAL GENERAL MEETING ]��{�<��Q��;� ;�;

veece (mHe<ì De#ejeW ceW) (meom³e / Hejes#eer / SDeej)}��=]�|}��%\��=<<=�j�[��"#��' ��!�'��^

HeÀesefue³ees ke´À. ieénkeÀ DeeF&[er veb. [erHeer DeeF&[er veb._%�|%�}%;'] |]�}�;'�\�|=}<�|]�}%;

Mes³ejeW keÀer mebK³ee}�;��j��

�


NOTES

Shareholders are requested to visit Bank of India website www.bankofindia.com to get the full version of Annual Report 2015-16.

Shareholders desirous of having a copy of Bank’s Annual Report may order for it by sending email to [email protected]

Mes³ejOeejkeÀeW mes DevegjesOe nw efkeÀ Jeeef<e&keÀ efjHeesì& 2015-16 kesÀ mebHetCe& JeCe&ve keÀes HeéHle keÀjves nsleg yeQkeÀ Dee@HeÀ Fbef[³ee keÀer JesyemeeFì www.bankofindia.com keÀe DeJeueeskeÀve keÀjW~

yeQkeÀ keÀer Jeeef<e&keÀ efjHeesì& keÀer Heéfle HeéHle keÀjves keÀer F®íe jKeves Jeeues Mes³ejOeejkeÀ [email protected] Hej F&-cesue keÀj Dee@[&j keÀj mekeÀles nQ~

Shareholders are requested to register their E-mail ID, with the Bank at [email protected], for quick/early receipt of Notice, information, communication through E-mail.

Mes³ejOeejkeÀeW mes ³en Yeer DevegjesOe nw efkeÀ F& cesue kesÀ peefjS peuo veesefìme, met®evee Deeefo HeéHle keÀjves kesÀ efueS DeHevee F& cesue DeeF& [er [email protected], Hej metef®ele keÀjW

general managers abridged_ar_2016.pdf · ®ewlev³e iee³e$eer ef®ebleheuueer chaitanya gayatri...

Documents