Punjab & Sind Bank

2018-19 1

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19 3

iatkc ,.M fla/ cSad

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www.psbindia.com

_______________________________________________________________________________________

1.

Punjab & Sind Bank

2018-19

Punjab & Sind Bank

www.psbindia.com

_______________________________________________________________________________________

Place : New Delhi S Harisankar

iatkc ,.M fla/ cSad

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vi

Punjab & Sind Bank

2018-19

pass.

through electronic mode:

mode.

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

The shareholders who have not encashed their dividend warrants for the previous years are requested to approach

necessary endorsement in due course.

procedure is annexed.

The Company Secretary,

Place : New Delhi S Harisankar

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• PANPAN

• iv

“ ”

Punjab & Sind Bank

2018-19 11

a.

c.

PAN

•

Dividend

OrDate of Birth

in the company records in order to login.•

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Punjab & Sind Bank

2018-19 13

Note for Non – Individual Shareholders and Custodians.

•

•

•

•

•

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

the slowdown in growth of agriculture sector and sustain the growth in industry.

crude oil and food prices.

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III

1.

2.

3.

4. r

5. r

6.

7. r

8.

Punjab & Sind Bank

2018-19

crore as on

during the same period.

campaign “ and alongwith

new accounts were opened under the as non fund income from these Schemes.

Parameter Status

1.

2.

3.

r

r

r

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15339

461 39350 42518 108 47736 50833 106 29615 29792 101

“ ”

“ ”

Punjab & Sind Bank

2018-19

Campaign

District/ state Villages

111

Total

Target Achv Target Achv Target Achv

112

change in focus on opening accounts from “

Parameter

1 2.23 lac

2

353

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r r

r r

r r

r r

r r

r r

•

•

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•

•

•

•

Punjab & Sind Bank

2018-19 21

Total FD/RD Accounts opened

in

•

•

•

•

•

•

•

iatkc ,.M fla/ cSad

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•

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r r

r r r

r

r

Punjab & Sind Bank

2018-19 23

• A

•

:

•

•

•

•

•

•

•

•

•

•

•

•

in the total recovery of over r r

at r r r r

Amount in r Crore

Gross Net

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r

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ii.

r

r r r

r

r

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Punjab & Sind Bank

2018-19

i. SMA accounts

ii.

•

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III

IIIIII

. . . . II III

II III

Punjab & Sind Bank

2018-19

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1 2 3 4

•

•

•

•

•

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9320 8948

Punjab & Sind Bank

2018-19

Funded

Non Fund

Total Advances

•

•

•

•

•

•

• during the year.

Category st st

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Top performers

4 35

57

4 35

CoE

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VI

IV

Punjab & Sind Bank

2018-19 31

DGM to GM

AGM to DGM

CM to AGM CM

General 11

Specialist 12

4 35

st st

:

wherever required.

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.1194 1405 50 143

560 75 570 192 43

127 15 25 32 8

1881 587 2000 274 194

•

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Punjab & Sind Bank

2018-19 33

SC

32

role and excel in the same.

Hockey

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•

•

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•

• th day of the installment

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•••

•• • •

• • •

. . .• •

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•

Punjab & Sind Bank

2018-19

•

•

•

•

•

•

•

•

•

•

•

• guidelines.

•

• in such accounts.

•

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RBI

RBI

•

•

•

•

•

•

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•

•

•

•

Punjab & Sind Bank

2018-19

•

• th

•

•

•

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•

•

• th Birth Anniversary of

•

•

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VOs

RD

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Punjab & Sind Bank

2018-19

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“

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Access

Punjab & Sind Bank

2018-19

with severely.

maintained.

the grand ceremony

of

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•

•

•

•

•

•

•

Punjab & Sind Bank

2018-19

.

•

•

•

• for Branches all over the country.

•

•

hygiene.

•

th day, if grievance remains

Tat for the redressal of complaints is on the reducing side every Financial year owing to the Root Cause analysis of the complaints.

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i A SCRA

ii

iii

iv

Punjab & Sind Bank

2018-19

year ended on 31st

st

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v

Punjab & Sind Bank

2018-19

1.

2.

our opinion.

3.

under review were carried out in compliance with the provisions of the Act.

3.the minutes.

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Punjab & Sind Bank

2018-19

Sr. equity

shares of the Bank

held as on

membership in Sub

of the Bank

Directorship held in other

Companies i.e.

Bank.

Membership/ Chairmanship

held in Sub

of the Board

Companies

(nature of appointment

Dr Charan Singh Chairman

Delhi

Bengaluru

*

Sh. S Harisankar Managing Director & **

3. ***4. ****

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Punjab & Sind Bank

2018-19

Sr. equity

shares of the Bank

held as on

membership in Sub

of the Bank

Directorship held in other

Companies i.e.

Bank.

Membership/ Chairmanship

held in Sub

of the Board

Companies

(nature of appointment

5. 9 @4 @@

7.CA Category

#

Sh. Madhu Sudan Dadu

##

9. Sh. Harsh Bir Singh 5 $

7 $$

th

th

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whichever is earlier.th

st

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further orders, whichever is earlier.

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2.

3.

1.

2.

3.

Punjab & Sind Bank

2018-19

th

1. Dr CHARAN SINGH2.3.

Research

1.2.3.

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1.

2.

3.

11 11

13 13

13 13

13 12

13 13

11

13 12

13 13

13 11

Punjab & Sind Bank

2018-19

1.

2.

3.

Periodheld during their tenure

AGM held on

11 11

13 13 Not Present13 13

3 2 Not Present13 12 Not Present13 131113 12 Not Present

Sh. Harsh Bir Singh – Shareholders Director 13 1313 11 Not Present

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www psbindia com

1.

2.

3.

11.

12.

13.

Punjab & Sind Bank

2018-19

5.

compliance of the Code.

3.

Day & Date VenueTuesday

Thursday

Friday

4.

1.2.3.

11.12.13.

iatkc ,.M fla/ cSad

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1.

2.

3.

13

Punjab & Sind Bank

2018-19

1.2.3.

are as under:

Period held during their tenure

13

Sh. Harsh Bir Singh – Shareholders Director

4. .

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LFAR

1.

2.

3.

1.

2.

3.

to

Punjab & Sind Bank

2018-19

1.2.3.

Sr. Periodduring their

tenure1

Chairperson

2 Dr Charan Singh– Chairman 1 13

32 1

Sh. Harsh Bir Singh – Share Holder Director 2 21 13 3

4.3.

same

iatkc ,.M fla/ cSad

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1.

2.

3.

3 3

2 2

3 2

1 1

3 2

1 1

“ ”

Punjab & Sind Bank

2018-19

controls and

1.2.3.

Period held during their tenure

3 32 2

3 21 13 21 1

iatkc ,.M fla/ cSad

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1.

2.

3.

2 2

3 3

1 1

1.

2.

3.

Punjab & Sind Bank

2018-19

4.4.

1.

2.3.

Period held during their tenure

2 2

3 31 1

4.5.

1.2.3.

Sh. Harsh Bir Singh – Shareholder Director

iatkc ,.M fla/ cSad

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3 3

2 2

3

1.

2.

3.

i.

ii.

iii.

Punjab & Sind Bank

2018-19

Period held during their tenure

Dr. Charan Singh – Chairman 3 32 2

3Sh. Harsh Bir Singh – Shareholder Director

1.2.3.

alia comprises the following:

i.

ii. Review the status of the Awards remaining unimplemented for more than 3 months from the date of Awards and also

iii.for all categories of clientele

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2 2

3 2

1 1

3

1.

2.

3.

2 2

3

“ ”

Punjab & Sind Bank

2018-19

Periodduring the period

of their tenure

2 2

3 21 1

3

4.7.

1. Chairperson2.3.

are as under:

Period during the period of their tenure

2 2

Sh. Harsh Bir Singh – Shareholder Director3

requests/complaints received and resolved during the year are as under:

iatkc ,.M fla/ cSad

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1.

2.

3.

3 3

2 2

3

3

1 1

3 2

1

2

1.

2.

3.

Punjab & Sind Bank

2018-19

1.2.3.

are as under:

Periodduring the period

of their tenureDr Charan Singh – Chairman 3 3

2 2

3

31 13 21

2

4.9.

1.2.3.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

3 3

2

1 1

3

1

1.

2.

3.

1.

2.

3.

Punjab & Sind Bank

2018-19

are as under:

Period during the period of their tenure

Dr Charan Singh – Chairman3 3

21 1

31

Sh. Harsh Bir Singh – Shareholder Director

1.2.3.

1.2.3.

iatkc ,.M fla/ cSad

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1. 2 2

2. 2 2

3. 2 2

1.

2.

3.

2 2

3 2

1 1

3

Punjab & Sind Bank

2018-19

are as under:

period of their tenure1. 2 22. Sh. Harsh Bir Singh – Shareholder Director 2 23. 2 2

1.2.3.

are as under:

Period the period of their tenure

2 2

3 21 1

3Sh. Harsh Bir Singh – Shareholder Director

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1.

2.

3.

1.

2.

3.

1. 1 12. 1 13. 1 1

1.

2.

3.

Punjab & Sind Bank

2018-19

1.2.3.

Director.

1.2.3.

the year1. Sh. Charan Singh – Chairman 1 12. 1 13. 1 1

1.2. Sh. Harsh Bir Singh – Shareholder Director3.

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I.

II. “ ”

5.

1.

2.

3.

1.

2.

3.

Punjab & Sind Bank

2018-19

days from the date of their lodgment.

i.

ii.

5.

A.

12 Shri Fareed Ahmed3 Sh. Govind N Dongre

B.

1 Dr Charan Singh23

Sh. Atanu SenSh. Harsh Bir Singh

Sh. S R Ghedia

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IEPF

1

2

3

II III

II

1.

2.

3.

Punjab & Sind Bank

2018-19

7.

the amount of Dividends that remain unclaimed / unpaid for a period of seven years from the date on which they were

123

a) with the interests of the

b)

c)

d)

e)

f)

g)

9.

1. Government of India has appointed Dr Charan Singh as

2.

for

3.

The internal auditor may report directly to the Audit

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http www psbindia com

“ ”

C–22

Punjab & Sind Bank

2018-19

.

th

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

PercentagePhysicalDematerialized

*

fortnight to approve demat/remat/transfer/transmission of shares.

connected with the issue of Shares, dividend etc.

The Investors may lodge their transfer deeds / requests / complaints with the Share Transfer Agent at following address:

Punjab & Sind Bank

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d

16010100003994141.

2.

3.

2

2

Punjab & Sind Bank

2018-19

ICRA

AmountStatutory Branch AuditorsStatutory Central Auditors

S.

1. No. of shares lying in PSB Unclaimed Suspense Account in

2. No. of shareholders who approached for transfer of shares and to whom shares were transferred from Suspense A/c

3. No. of shares lying in PSB Unclaimed Suspense Account at the end of the year

2

2

iatkc ,.M fla/ cSad

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1. 1

2.

3.

Punjab & Sind Bank

2018-19

Shares

1. 12.3.

Bodies CorporateResident IndividualsHindu Undivided FamilyNon Resident Indians

Trusts

Shareholding of Shares

iatkc ,.M fla/ cSad

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1.

2.

3.

1212

11.

12.

13.

Punjab & Sind Bank

2018-19

Month

Volume Close

Close High Volume Sensex Close

Close

State Share Holders Shares Percentage

1

2 Andhra Pradesh

3 Arunachal Pradesh

Assam

Bihar 1212

Chandigarh

Daman and Diu

Delhi

Goa

11

12 Haryana

13 Himachal Pradesh

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

21.

22. 1

23.

1

31.

32.

33.

21.

Punjab & Sind Bank

2018-19

State Share Holders Shares Percentage

21

22 1

23 Nagaland

Orissa

Pondicherry

1

Tamil Nadu

31 Tripura

32

33

iatkc ,.M fla/ cSad

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i

C i

Punjab & Sind Bank

2018-19

Bank pertaining to st

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

Chartered Accountants Chartered Accountants

Partner Partner

Chartered Accountants Chartered Accountants

Partner Partner

Place : New Delhi

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

www.

LODR II

Punjab & Sind Bank

2018-19

Punjab & Sind Bank

For Punjab & Sind Bank

Place : New Delhi

Punjab & Sind Bank

For Punjab & Sind Bank For Punjab & Sind Bank

Place : New Delhi

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

i iiiii iv

II

II

•

•

• II

I

I II I

III I

Punjab & Sind Bank

2018-19

to any group

:

•

•

• discounted amounts are not included in Tier II Capital for Capital Adequacy purposes.

Amount

- - -

- -

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

II II

II

II

II

II

II

II

Punjab & Sind Bank

2018-19

-

- Total amount outstanding. NA- Of which amount raised during the current year NA- NA

- Total amount outstanding - Of which amount raised during the current year. -

– Basel II.

- - Nil

iatkc ,.M fla/ cSad

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II

II I

Punjab & Sind Bank

2018-19

- - -

Basic indicator approach

A.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

•

•

•

•

•

Punjab & Sind Bank

2018-19

as NPA.

Balance Sheet date etc.

•

•

• credit.

•

•

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

•

•

•

•

•

•

•

•

•

•

•

Punjab & Sind Bank

2018-19

:

•

•

•

•

Cell.

•

•

• are in place.

•

•

•

•

Category12

iatkc ,.M fla/ cSad

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23.33

Punjab & Sind Bank

2018-19 111

Category1

- -

2- -

B.1 SUGAR

D.1 COTTON

D.1.1 SPINNING

D.2.1 SPINNING

23.33

D.3.1 SPINNING

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19112

112.31

Punjab & Sind Bank

2018-19 113

112.31

R.1 TRANSPORT

T.Residuary

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

Exposure1 Infrastructure2 Residuary

(Standard

Next 1 Day

Category123

Net NPAs

Category Percent1 Gross NPAs to Gross advances2 Net NPAs to Net advances

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

Punjab & Sind Bank

2018-19

Opening Balance

Closing Balance

Amt. in crores

Sl.No Provision Provisions for NPAsOpening Balance

AddUpgraded Accounts

Closing Balance

Opening BalanceProvisions made during the period

Closing Balance

iatkc ,.M fla/ cSad

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i

ii

Punjab & Sind Bank

2018-19

agencies.

Short

xcept

Deducted

iatkc ,.M fla/ cSad

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II

→

→

→

Punjab & Sind Bank

2018-19 121

→

→

→ Guarantees

. :

collaterals recognized:

i. Cash and Certain Deposits.

ii.

iii.

iv.

v.

vi.

vii.

viii.

ix.

4. Guarantees

i.

ii.

iii.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19122

III

Punjab & Sind Bank

2018-19 123

weights.

mismatches.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

•

•

•

•

•

Punjab & Sind Bank

2018-19

•

•

•

•

• Compliance with regulatory requirements

The capital requirements for:

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

is monitored at regular intervals.

Crores

iatkc ,.M fla/ cSad

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II III

II III

II III

II

II

•

•

Punjab & Sind Bank

2018-19

st

– Basel II.

•

•

iatkc ,.M fla/ cSad

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• II

I

I II I

Punjab & Sind Bank

2018-19 131

• discounted amounts are not included in Tier II Capital for Capital Adequacy purposes.

- - Nil

-

-

-

Basic indicator approach

a)

b)

c)

d)

e)

f)

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19132

Punjab & Sind Bank

2018-19 133

g)

as NPA.

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

credit.

:

are in place.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

2

1.32

13.31

Punjab & Sind Bank

2018-19

Category

1

2

Category

1-

-

2-

-

B.1 SUGAR

1.32

D.1 COTTON

D.1.1 SPINNING

D.2.1 SPINNING

D.3.1 SPINNING 13.31

iatkc ,.M fla/ cSad

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1

Punjab & Sind Bank

2018-19

1

R.1 TRANSPORT

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

T.Residuary

Exposure1 Infrastructure2 Residuary

(Standard

Next 1 Day

Category123

iatkc ,.M fla/ cSad

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Punjab & Sind Bank

2018-19

Net NPAs

Category Percent1 Gross NPAs to Gross advances2 Net NPAs to Net advances

Opening Balance

Closing Balance

Sl.No Provision Provisions for NPAs

Opening Balance

Add

Upgraded Accounts

Closing Balance

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

Punjab & Sind Bank

2018-19

Opening Balance

Provisions made during the period

Closing Balance

1.

2.

3.

agencies.

4.

5.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II III

→

→

→

Punjab & Sind Bank

2018-19

6.

7. The Short

8.

9.

i)

xcept

ii)

Deducted

→

→

→ Guarantees

iatkc ,.M fla/ cSad

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II III

III

Rs

Punjab & Sind Bank

2018-19

. :

collaterals recognized:

i. Cash and Certain Deposits.

ii.

iii.

iv.

v.

vi.

vii.

viii.

ix.

4. Guarantees

i.

ii.

iii.

weights.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

• • • • •

Punjab & Sind Bank

2018-19

mismatches.

•

•

•

•

• Compliance with regulatory requirements

The capital requirements for:

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

“ “ “ ” “ “

Punjab & Sind Bank

2018-19

T

is monitored at regular intervals.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Current Exposure

1

2 Retained earnings

3

n.a.

n.a.

11

12

13

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Not Relevant

21 Amount upto

22 n.a.

23 n.a.

of which: mortgage servicing rights n.a.

n.a.

n.a.

n.a.

n.a.

31

32

33

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

II

Punjab & Sind Bank

2018-19

Tier 2 capital: instruments and provisions

n.a.

n.a.

Provisions

Investments in own Tier 2 instruments

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

59

III

III

III

Punjab & Sind Bank

2018-19

Cap on inclusion of provisions in Tier 2 under standardised approach

n.a.

n.a.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

in India

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

XXI

XII

XIII

XIII

A

Lad

Nro

Gn

Lad

Nro

Gn

CIR

IMD

DF

Lad

Nro

Gn

Lad

Nro

Gn

RBI

DBR

No

BPBC

RBI

DBR

No

BPBC

RBI

DBR

NO

BP

BC

NO

DBR

BP

BC

NO

III

I

III

I

Punjab & Sind Bank

2018-19

S.D

iscl

osur

e te

mpl

ate

for

mai

n fe

atur

es o

f reg

ulat

ory

capi

tal

inst

rum

ents

cror

e cr

ore

cror

e

1Is

suer

2 3in

stru

men

tCo

ntra

ct

Com

pani

es A

ct

and

tran

sfer

of

Dep

osito

ries

Conc

erne

d

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and/

or

anne

xure

D to

th

e co

mpa

nies

Gov

ernm

ent's

and

form

s

Cont

ract

Com

pani

es A

ct

and

tran

sfer

of

Dep

osito

ries

Conc

erne

d

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and/

or

anne

xure

D to

th

e co

mpa

nies

Gov

ernm

ent's

and

form

s

Cont

ract

Com

pani

es

and

tran

sfer

of

Dep

osito

ries

Conc

erne

d

.pro

visi

ons

cont

aine

d in

ann

exur

e C

and/

or

anne

xure

D to

th

e co

mpa

nies

Gov

ernm

ent's

and

form

s

Cont

ract

Com

pani

es

and

tran

sfer

of

Dep

osito

ries

Conc

erne

d

prov

isio

ns

cont

aine

d in

ann

exur

e C

and/

or

anne

xure

D

to th

e co

mpa

nies

Gov

ernm

ent's

rule

s an

d

BOA

RD O

F IN

DIA

Tier

IITi

er II

Tier

IITi

er II

Tier

IITi

er I

Tier

IITi

er II

Tier

IITi

er II

Tier

IITi

er I

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

II

II

II II

I

Punjab & Sind Bank

2018-19

Solo

Solo

Solo

Solo

Solo

Solo

Inst

rum

ent t

ype

inst

rum

ents

inst

rum

ents

inst

rum

ents

inst

rum

ents

inst

rum

ents

Tier

I in

stru

men

t

Am

ount

reco

gnis

ed in

mill

ion,

as

of m

ost r

ecen

t

Nil

Nil

Par

valu

e of

inst

rum

ent

11O

rigi

nal d

ate

of is

suan

ce

12Pe

rpet

ual o

r da

ted

Dat

edD

ated

Dat

edD

ated

Dat

edPe

rpet

ual

13O

rigi

nal m

atur

ity d

ate

NA

supe

rvis

ory

appr

oval

No

No

No

No

amou

nt

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

coup

onFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

Fixe

d

Coup

on ra

te a

nd a

ny re

late

d in

dex

stop

per

No

No

No

No

No

21N

oN

oN

oN

oN

oN

o

22 23

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

NA

into

NA

NA

NA

NA

NA

NA

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

RBI

guid

eline

s II

I

PON

V

III

I

III

Punjab & Sind Bank

2018-19

inst

rum

ent i

t con

vert

s in

toN

AN

AN

AN

AN

AN

A

NO

NO

NO

NO

31N

AN

AN

AN

ARB

I Gui

delin

es

32N

AN

AN

AN

A

33te

mpo

rary

NA

NA

NA

NA

Perm

anen

t

mec

hani

sm

NA

NA

NA

NA

NA

conv

ersi

on a

nd a

per

man

ent w

rite

dow

ni.e

.the

to it

s or

igin

al v

alue

in fu

ture

in c

onfo

rmity

with

the

prov

isio

ns o

f the

RBI

Bas

el II

I Gui

delin

es.

stan

dard

s.

imm

edia

tely

sen

ior

to

clai

ms

of a

ll de

posi

tors

and

ge

nera

l cre

dito

rs o

f

feat

ures

NA

NO

feat

ures

mat

urity

of

NA

NA

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II X

“ ” “ ”

“ ”

IFSC “PSIB ” IFSC ”PSIB ”

Punjab & Sind Bank

2018-19

1.

IssuerIssue Size Instrument

Issuance/ Trading In Dematerialized Form

Security Unsecured

Issue Price

Tenure None

Coupon Rate * Interest Payment AnnualInterest Payment Date

Trustee

DepositoryRegistrars

to one day prior to the Deemed Date of Allotment

Punjab & Sind Bank" and crossed “Account

Punjab &

Issue Opens on ^Issue Closes on ^

Deemed Date of Allotment ^

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

II XI

“ ” “ ”

“ ”

IFSC ”PSIB ” IFSC ”PSIB ”

Punjab & Sind Bank

2018-19

2.

IssuerIssue Size

Instrument

Nature of Instrument

Issuance/ Trading In Dematerialized Form

Security Unsecured

Issue Price

Tenure None

Coupon Rate *Interest Payment AnnualInterest Payment Date

Trustee DepositoryRegistrars

Punjab & Sind Bank" and crossed “Account

Punjab &

Issue Opens on ^Issue Closes on ^

Deemed Date of Allotment ^

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

II XII

“ ” “ ”

“ ”

IFSC ”PSIB ” IFSC ”PSIB ”

Punjab & Sind Bank

2018-19

3.

IssuerIssue Size

Instrument

Nature of Instrument

Issuance/ Trading In Dematerialized Form

Security Unsecured

Issue Price

Tenure None

Coupon Rate *Interest Payment AnnualInterest Payment Date

Trustee DepositoryRegistrars

Punjab & Sind Bank" and crossed “Account

Punjab &

Issue Opens on ^Issue Closes on ^

Deemed Date of Allotment ^

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

II XIII

“ ” “ ”

“” IFSC ”PSIB ”

Punjab & Sind Bank

2018-19

IssuerIssue Size

Instrument

Nature of Instrument

Issuance/ Trading In Dematerialized Form

Security Unsecured

Issue Price

Tenure None

th

th

Coupon Rate *Interest Payment AnnualInterest Payment Date

Trustee DepositoryRegistrars

By way of electronic transfer of funds through RTGS mechanism for credit in the account of IFSC Code: for New Delhi

Issue Opens on ^ th

Issue Closes on ^ th

th th

Deemed Date of Allotment ^

th

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

III

III XIV

“ ” “ ”

“ ”“ ”

IFSC PSIB

Punjab & Sind Bank

2018-19

IssuerIssue Size

Instrument

Nature of Instrument

Issuance/ Trading In demat mode only

Security

Issue Price

TenureNoneNone

Coupon RateInterest Payment AnnualInterest Payment DateTrusteeDepositoryRegistrar

the Deemed Date of Allotment.

Issue Opens onIssue Closes onPay in DateDeemed Date of Allotment

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

III

“ ”III

“ ”

i

iiIII

iii

ivv

“ ” “ ”

Punjab & Sind Bank

2018-19

IssuerIssue Size

Instrument

Nature of Instrument arrangement that legally or economically enhances the seniority of the claim of the holders of the Bonds

Issuance/ Trading In demat mode only

Security Unsecured

Issue Price

Tenure PerpetualNone

At PAR

PerpetualCoupon RateInterest Payment AnnualInterest Payment DateTrustee

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

*

“ ”

“IFSC ”PSIB ”

•

•

Punjab & Sind Bank

2018-19

Depository

RegistrarInterest on

DelhiIssue Opens onIssue Closes onPay in DateDeemed Date of Allotment

• purpose.

•

with RBI guidelines.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

• •

I II

III

1.

2.

3.

1.

2. III 3.

Punjab & Sind Bank

2018-19

Nil

Nil

3period.

Nil

4 Nil

5 Nil

Nil7

capital requirements.

RRB is given treatment as per

Item1.2.

3.

1.

2.

3.

Replacement cost associated with all

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

11.

12.

13.

21

22 III

Punjab & Sind Bank

2018-19

11.

12. Gross SFT assets 13.

CCR exposure for SFT assets

Capital and total exposures

21

22

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

S. Mann & Co. Chartered Accountants Chartered Accountants

Suresh Chandra & AssociatesChartered Accountants Chartered Accountants

Report on Audit of the Financial Statements

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

provisioning thereon is made in accordance

auditors we have placed reliance on their reports and ensured that changes

Necessary changes were carried out during the course of audit and the

year ended 31st

Sale and Held for trade.

provision thereon, is carried out in accordance with the relevant circulars / guidelines /

:

Our Audit approach towards Investments with reference to the RBI circulars/

Financial statements for the year ended 31st

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

,

, ,

,

,

,

,,

RBI

Punjab & Sind Bank

2018-19

recognized unless there is a virtual certainty that

forward.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

override of internal control.

concern.

audit.

st

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

we report that:

audit.

and

Chartered Accountants

Partner

Chartered Accountants

CA. Baldev GargPartner

Chartered Accountants Chartered Accountants

CA Sandeep GuptaPartner

Place: New Delhi

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1

2

3

11

12

Punjab & Sind Bank

2018-19

Capital 1

2

Deposits 3

Borrowings

Investments

Advances

Fixed Assets

Other Assets 11

12

Notes on Accounts

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

13

i viii

Punjab & Sind Bank

2018-19

Interest earned 13

Other income

Interest expended

Transfer to:Statutory Reserve

Capital Reserve [Investment]

Investment Reserve

Fund

Balance carried over to Balance Sheet

Notes on Accounts

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Chartered Accountants Chartered Accountants

Partner Partner

Chartered Accountants Chartered Accountants

Partner Partner

Place: New Delhi

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I.

II.

Punjab & Sind Bank

2018-19

I.II.

I.

II.

I.Opening Balance

II.

Opening Balance

Opening Balance

III.Opening Balance

Opening Balance

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

V.

Punjab & Sind Bank

2018-19

Opening Balance

Opening Balance

Opening Balance

A

ii. From others

ii. From others

B

I. Borrowings in India

II. Borrowings outside India

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I.

II.

III.

I.

II.

Punjab & Sind Bank

2018-19

III. Interest accrued

I. Cash in hand [including foreign currency notes]

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II.

Punjab & Sind Bank

2018-19 211

I. Investments in India in

**

II. Investments outside India

A

B

C

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19212

I

II.

III.

$$

$$

Punjab & Sind Bank

2018-19 213

I. Premises

Cost [Opening Balance]

Original Cost

Original Cost

Original cost

II. Other Fixed Assets

Cost [Opening Balance]

II. Interest accrued

III. Tax paid in advance/ Tax deducted at source

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I.

II.

III.

I.

II.

III.

I

II

III

Punjab & Sind Bank

2018-19

II. Income on investments

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

II

III

I

II

III

IX

X

XI

XII

Punjab & Sind Bank

2018-19

I. Interest on deposits

III. Others

I. Payments to and provisions for employees

IX. Postages, Telegrams, Telephones etc.

XI. Insurance

XII. Other expenditure

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

II

III

IV

V

VI

Punjab & Sind Bank

2018-19

i.

ii.

iii. Shares

iv.

v.

vi. Others

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

II

III

IV

II

Punjab & Sind Bank

2018-19 221

3.3 :

i.

ii.Trading.

iii.

iv.

provided for each investment individually

a.

c.

the latest Balance Sheet, which are not older than one year on the date

d.e. At carrying cost.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19222

“ ” “ ”

4.1

I

II

III

Punjab & Sind Bank

2018-19 223

3.

a.

c.

3.12

Category of Assets

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

i

ii

iii

Punjab & Sind Bank

2018-19

as per RBI guidelines.

1 Premises

2

3

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

II

Punjab & Sind Bank

2018-19

schemes.

lease.

pronouncement/ legal opinions.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I II

II II

II

I III

I III

Punjab & Sind Bank

2018-19

1

the period up to and remained outstanding as on

3 Capital

3.2

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I III

II III

III

I

II

Punjab & Sind Bank

2018-19 231

Percentage of the shareholding of the Government of India

PNCPS:IPDI:

Preference Share Capital Instruments:

In India

Outside India Nil Nil

In India

Outside India Nil Nil

In India

Outside India Nil Nil

Add: Provisions made during the year

Closing balance

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19232

i

ii

i.

ii.

iii.

iv.

v.

vi.

vii.

Punjab & Sind Bank

2018-19 233

Outstanding Outstanding Daily AverageOutstanding

Balance as on

Outstanding Outstanding Daily AverageOutstanding

Balance as on

Repos

Amount Extent of

Placement

Extent of ‘Below Extent of Extent of

i. PSUsii. FIsiii.iv. Private Corporatev.vi. Othersvii. Provision held towards

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Nil NilNil NilNil Nil

Investment Reserve Account.

Opening Balance

Closing balance

Opening Balance

Closing balance

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1

2

3

11

Punjab & Sind Bank

2018-19

Opening Balance

Add: provisions made during the year

Closing balance

5.3

Sr. Amount

1

2

3

11into account the divergence in provisioning

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Sl.

Und

er C

DR

Oth

ers

Std.

Total

Std.

Total

Std.

Total

Std.

Total

1Re

stru

ctur

ed A

ccou

nts

as o

n N

o.of

Bor

row

er1

23

21

13

Am

t.O

/s2.

21

Prov

. the

reon

2.11

2Fr

esh

Rest

ruct

urin

g du

ring

the

year

No.

of B

orro

wer

22

Am

t.O

/s

Prov

. the

reon

3

No.

of B

orro

wer

11

11

Am

t.O

/s

Prov

. the

reon

Rest

ruct

ured

Std

. Adv

.whi

ch

rest

ruct

ured

Std

. Adv

ance

s at

No.

of B

orro

wer

22

22

Am

t.O

/s

Prov

. the

reon

rest

ruct

ured

acc

ount

s du

ring

No.

of B

orro

wer

11

11

21

23

2.32

Rest

ruct

ured

acc

ount

s as

N

o.of

Bor

row

er2

13

1221

Am

t.O

/s

Prov

. the

reon

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

A B

Punjab & Sind Bank

2018-19

Period No. of Borrowers

structuring

Standard NPABefore applying

structuring1

No. of accounts where SDR has

Amount outstanding as on Amount outstanding as on the

accounts where conversion of

Amount outstanding as on the

Standard NPA Standard NPA Standard

No. of accounts

have decided

change in ownership

Amount outstanding as Amount outstanding as

with respect to accounts where conversion

equity shares is pending

Amount outstanding as

with respect to accounts

pledge of equity shares

Amount outstanding

date with respect to accounts where

change in ownership is

of fresh shares or sale of promoters equity

Standard as NPA Standard as NPA Standard as NPA Standard as NPA

Aggregate amount outstanding

Amount outstanding Provision held

In Part A In Part B

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

vkfLr iqulZ ajpuk gsrq çfrHkwfrdj.k@iqufuZekZ.k daifu;ksa dks csph xbZ foÙkh; laifÙk;ksa dk fooj.k

d- fcdz h dk fooj.k ¼#- djksM+ esa½

ensa¼i½ [kkrksa dh la[;k 'kwU; 'kwU;¼ii½ ,l lh@vkj lh dks csps x, [kkrksa dk dqy ewY; ¼'kq) çko/kku½ 'kwU; 'kwU;¼iii½ dqy çfrQy 'kwU; 'kwU;¼iv½ igys ds o"kksaZ esa [kkrksa ds gLrkarj.k ls olwyk x;k vfrfjä çfrQy 'kwU; 'kwU;¼v½ 'kq) cgh ewY; ds Åij dqy ykHk@gkfu 'kwU; 'kwU;

[k- çfrHkwfr çkfIr;ksa esa fuos'k ds cgh ewY; dk fooj.k ¼#- djksM+ esa½

ensa¼i½ cSad }kjk vutZd [kkrksa esa csph xbZ varfuZfgr çfrHkwfr;ka¼ii½ vU; cSadksa@foÙkh; laxBuksa@xSj cSafdax foÙkh; daifu;ksa }kjk vutZd [kkrksa

esa csph xbZ varfuZfgr çfrHkwfr;kadqy

Punjab & Sind Bank

2018-19

A. Details of Sales

companies as underlyingTotal

1. No. of accounts purchased during the yearAggregate outstanding

2.Aggregate outstanding

1. No. of accounts sold2. Aggregate outstanding3.

Provisions towards Standard Assets

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

23

GST

( )

Punjab & Sind Bank

2018-19

Amount As on DateNil Nil

23 Nil NilNil Nil

RBI

No. of Accounts Restructured

Return on Assets

DepositsBorrowings Excl. Bonds Assets

1 day

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

i.

ii.

.

Punjab & Sind Bank

2018-19

DepositsBorrowings Excl. Bonds Assets

31 days to 2 months

Category

i.

ii.

exposuresNil Nil

a. Nil Nil

Nil Nil

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1.

2.

3.

1

Punjab & Sind Bank

2018-19

1.

2. Nil

3. Nil

Nil

Nil

NilNil

Nil

Sl.during the year

1

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

I

Punjab & Sind Bank

2018-19

licenses, authority etc.

licenses, authority etc.

RBI guidelines except those disclosed elsewhere in the notes.

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

21.13

Punjab & Sind Bank

2018-19

material.

st April Interest cost Past Service CostCurrent service cost

st

Changes in the Present Value of Plan Assets

Fair value of Plan Assets as at 1st April

21.13

Fair value of Plan Assets as at 31st

Actual return on Plan Assets

end of the year

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

21.13

22.33

Nil Nil Nil Nil Nil Nil

22.33

Punjab & Sind Bank

2018-19

st

st

Nil Nil Nil Nil Nil

the year

Current service costPast Service Cost Interest cost

during the year

21.1322.33

Nil Nil Nil Nil Nil Nil22.33

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

22.31

Punjab & Sind Bank

2018-19

Nil Nil22.31 Nil Nil

High Safety Bonds/TDRs NilOther investments Nil

Discount rate

PUC PUC PUC PUC PUC PUC

Discount rate

on plan assets

salary

Encashment *Medical

during the year

Sheet

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

321

321

Punjab & Sind Bank

2018-19

ascertained.

321

321

9. Segment Assets

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

21.33

Punjab & Sind Bank

2018-19

:

21.33

Nil

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1 3.11

2

3 viii

“ ” “”

Punjab & Sind Bank

2018-19

Head

1 Nil 3.112 Provision for wage revision Nil3 Nil

Provision for NPA on Investments

Standard Assets

experts.

• or

•

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

year yearClosing Balance

11.1.

Provision for Non Performing Advances

Provision for Standard Assets

Provision for Non Performing Investments

Other Provisions

Current Tax

Deferred Tax

11.2

Opening Balance Nil Nil

Nil Nil

Draw down during the year Nil Nil

Closing Balance Nil Nil

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1 1

1 1

Punjab & Sind Bank

2018-19

11.3

claimant of old entries.

No. of Complaints received during the year

No. of Complaints redressed during the yearNo. of Complaints pending at the end of the year

1 1Nil Nil

No. of Awards implemented during the year Nil NilNo. of unimplemented Awards pending at the end of the year 1 1

Total Deposits of twenty largest depositorsPercentage of Deposits of twenty largest depositors to Total Deposits

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Sl.Sector* Gross

Percentage of

in that sector

Gross Percentage of

in that sectorA Priority Sector

1Agriculture and allied

2Advances to industries sector

lending3 Services

Personal loans

B

1

2 Industry

3 Services

Personal loans

Gross NPAs as on 1st

st

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

3.22

31.03.2019 31.03.2018 31.03.2019 31.03.2018

2.31*

Punjab & Sind Bank

2018-19

Total AssetsTotal NPAsTotal Revenue 3.22

11.11

limitBalance O/s

limitBalance O/s

Nil NilNil NilNil Nil

Nil Nil Nil Nil

11.12

2.31*

* Principal Amount

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1

2

3

23333.33

11

12

13

Punjab & Sind Bank

2018-19

11.13

Total Unweighted

Total Total Unweighted

Total Total Unweighted

Total Total Unweighted

Total

1

2 Retail deposits and deposits

of which

3 Unsecured wholesale funding of which

Secured wholesale funding

which

exposures and other collateral requirements

Other contractual funding

23333.33

exposures

11

12

13

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1

2

3

III

Punjab & Sind Bank

2018-19

13.

PrincipalAmount

PrincipalAmount

1

2

year.3

The amount of interest accrued and remaining unpaid.

. These

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Interest on Bonds, PCPS and IPDI

Increase in Fixed Assets

Share Premium received thereon

Interest on Bonds, PCPS and IPDI

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

Punjab & Sind Bank

2018-19

Chartered Accountants Chartered Accountants

Partner Partner

Chartered Accountants Chartered Accountants

Partner Partner

Place: New Delhi

iatkc ,.M fla/ cSad

okf"kZd fjiksVZ 2018-19

1.

2.

3.

“B”

Punjab & Sind Bank

2018-19

Punjab & Sind Bank

Regd. Folio No./Client ID: No. of Shares

............................ .............................................................................

.................................................................. .............................................................................

Revenue Stamp

3.

not less than hours of .

such instrument relates.

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Punjab & Sind Bank

2018-19

Punjab & Sind Bank

Near Jaipur Golden Hospital,

Name of the Shareholder

Signature of Shareholder / Proxy /

Punjab & Sind Bank

Near Jaipur Golden Hospital,

Name of the Shareholder

Signature of Shareholder / Proxy /

Outer

Rin

g Roa

d

Outer

Rin

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d

Outer

Rin

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d