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STATE BANK OF TRAVANCORE
(Associate of the State Bank of India)
HEAD OFFICE: THIRUVANANTHAPURAM
NOTICE
The Fiftieth Annual General Meeting of the Shareholders of the State Bank of Travancore will
be held in the A.K.G. Memorial Hall, Gas House Junction, Palayam, Thiruvananthapuram - 695 034,
on Saturday, the 29th May 2010 at 11.30 a.m. (Standard Time) to transact the following business:
To discuss and adopt the Balance Sheet and Profit & Loss Account of the Bank made up to the
31 st March 2010, the report of the Board of Directors and Auditors Report on the Balance
Sheet and Accounts.
Thiruvananthapuram
th
24 April, 2010
A K Jagannathan
Managing Director
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2.
4.
6.
62.
64.
66.
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CONTENTS
2.
4.
6.
62.
64.
66.
Notice to Shareholders
Board of Directors
Report of the Board of Directors
Balance Sheet
Profit and Loss Account
Schedules to Accounts
153. Auditors Report

154. Management Committee
A 1-1. Annexure - I
Report on Corporate Governance and Auditors Certificate
A II-1. Annexure - II
Disclosures under Pillar III of Basel II
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BO
ARD OF DIRECT
ORS
BOARD
DIRECTORS
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Shri O P Bhatt
Chairman under Clause (a) of sub-section (1) of Section 25 of the State Bank of
India (Subsidiary Banks) Act, 1959
Chairman
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Director under Clause (aa) of sub-section (1) of Section 25 of the State Bank of India
(Subsidiary Banks) Act, 1959
Shri A K Jagannathan
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Director under Clause (b) of sub-section (1) of Section 25 of the State Bank of India
Shri K C Bandyopadhyay
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Director under Clause (c) of sub-section (1) of Section 25 of the State Bank of India
Dr. Srinagi B Rao
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Shri S A Thimmiah
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BOARD
DIRECTORS
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Shri K Thanu Pillai
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Shri Gyan Chand Pipara
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Director under Clause (e) of sub-section (1) of Section 25 of the State Bank of India
Shri P Vinayagam
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Report of the Board of Directors

to the State Bank of India, the
Reserve Bank of India and the
Central Government in terms of
Section 43 (1) of State Bank of
Period covered by the Report:
1st April 2009 to 31st March 2010
1. MANAGEMENT DISCUSSIONS
& ANALYSIS
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1.1 Global Economy
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There has been a discernible improvement

in the global economy since the deep global
economic slump and financial market turmoil
in the latter half of the previous financial
year. The recovery is underpinned by output
expansion in Emerging Market Economies
(EMEs), particularly in Asia. World output
has improved, manufacturing activity has
picked up, trade is recovering, financial
market conditions are improving, and risk
appetite is returning. The immediate effect
of the rebound in the global economy could
be seen in the financial markets, which have
posted spectacular gains in a short period
of time. There are concerns, however, that
the recovery is fragile. Even as output is
reviving, unemployment rate is expected to
increase to double digits. Investment is also
expected to remain weak due to ruptured
balance sheets, excess capacity and
financing constraints. Bank collapses are
continuing. World trade still remains below
its level a year ago. On balance, while global
economic prospects have improved,
uncertainties remain about the pace and
sustainability of economic recovery.
1.2 National Economy

The national economy continues to be
among the fastest growing economies. The
rebound of the Indian economy has been
quicker and surer than anticipated. The
performance of the industrial sector has
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improved markedly in recent months.

Domestic and external financing conditions
are on the upturn. Capital inflows have
revived. Activity in the primary capital
market has picked up and funding from
non-bank domestic sources has eased.
Liquidity conditions have remained easy and
interest rates remain soft in the money and
credit markets, albeit with an upward bias.
Indias banking and financial sector continue
to be safe and sound. Opportunities to
grow and succeed remain despite the
emergence of new challenges for banks
including slower credit growth and a
potentially more complex regulatory
environment. The Gross Domestic Product
growth is estimated to be about 7.20%
during 2009-10. Infrastructure spending
continues to be robust; the evolution of
the Indian middle class continues to offer
opportunities in retail banking. At the same
time, some concerns persist. There are clear
signs of rising inflation stemming largely from
the supply side, particularly from food prices.
However, there are hints that the price
picture on the critical food front is improving.
The rabi harvest is reported to be more
than satisfactory and the monsoon forecast
for this year is favourable. These positive
factors may lead to significant decline in
consumer price inflation.
1.3 Kerala Economy

Kerala, Indias most socially developed state
is well known for its lush landscapes, sundrenched beaches and idyllic backwaters.
Many of its social indicators are on par with
developed nations and it has the highest
human development index in India.
However, the social development has not
translated to commensurate economic
development in Kerala. The states economy
is highly dependent on tourism and
remittances from about three million
expatriate Malayalees, mostly in Gulf
countries. The recession in Middle Eastern
countries, more popularly known as Dubai
fallout, has reduced the income of the
existing workforce as well as dealt a blow
to the new job seekers from the state.
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hn`n-a
- mbn s]mXp-ta-Jem _mp-I sa-
V E M E < Z]E M * xh
Ij x E E * ]Cx{E - Sh III, ]Cx] {Vx, {b <h]xx
Eh]x ] {h] ]x, ESS B Bx V
]x + ESx B Bx V ]x E ll xx M {<{<x {Vx B ]
M b]x {Vx), Ehh B{], V
{] +n W M E + =i{z x +
E E +lE l E g x E
+xx * 2010-11 E V V]
E E B ={H iV g =tM E
|ix nx E B . 412 Ec x Ex
E {E{x E M< *
1.4
EM {h
P k |h E S{x B li n
E +{x ]-+lE li E B E
iV BEEi +x *
i E ={-+v E] E S E
n x + +xi k I E nx
S x * EM Ij {{i { {V Ei
* 11 lxii x E {h{,
EM |h E {V {{ii +x{i r
<* E V+ E Mi E S + Si
Ji V E +{IEi =SS + +
VJ H E |ii B B +
{G +vE, xEn B v-Ii
E vx Ji * nJ M E VxE Ij
E E, ii @h r E , xV
E E + n E E E
M] E ix i E E *
+lE n EM |h E ix {j E
r M] + M<* <E E E @h
Mhki + |ni { E | {c
Ei * xE {ix x k
+xix, < EM + Oh EM V
Ij x + E u J n * B EU
Vx +x E i x
E +xx =x xEn |vx, xv E
E +xVx, E +n E
Reaching out to the remotest areas

Donation of 2 rafts to Kuruva Community in
Wyanad by the Banks Sulthan Bathery Branch
Investments in manufacturing sector are very

low. The ongoing development projects, such
as Technopark Phase-III, Technocity project,
International Container Transshipment
Terminal at Vallarpadom, Kochi LNG
terminal (and the Gail Pipeline Project and
City Gas Distribution Project to be
synchronized with Kochi LNG terminal),
Kannur Airport, Vizhinjam seaport etc. are
expected to increase job opportunities and
give a fillip to the states economy. The Kerala
State Budget for 2010-11 envisages
investment of Rs.412 crore to encourage
fast growing industries that are suitable for
Kerala.
1.4 Banking Environment

The resilience and stability of the domestic
financial system are essential to a countrys
own macroeconomic stability, particularly in
an increasingly integrated world. Indian banks
have remained resilient even during the height
of the subprime crisis and the consequent
financial turmoil. The banking sector is
adequately capitalised. The migration to
Basel II has resulted in an increase in the
capital adequacy ratio of the banking
system. Credit quality continues to remain
robust. The relatively high share of low cost
current and savings account deposits in total
deposits and SLR pre-emptions in risk free
government securities take care of liquidity
and solvency issues. Public Sector Banks
(PSBs) were observed to be faring better
in terms of growth in credit extended as
compared to the deceleration in private
banks and decline in business of foreign
banks. The economic slowdown has
s {]I-S-\-amWv ImgvN-sh-bvp--Xv.
_mnwKv kwhn- [ m- \ - n _mekv
jons KXn-thKw Ipd hfbvv
km- n- I - a myw \nZm- \ - a m- b n- p- v .
hmbv]m-Kp-W\
- n-eh
- m-c
- nepw _mp-If
- psS
em`-km-[y-X-bnepw CXv amyX krjvSnpw. km- nI Ds- S p- ,
samss_ _mnw-Kv, {KmaoW _mnwKv
t]mep taJ-eI
- f
- n \nb-{-W]
- c
- a
- mb
am- ]pXnb km[y-XI
- Hcp-n-bn-pv. hcpw-Im-e--fn _mp-I-fpsS {i
tI{o-I-cn-m-\n-S-bp taJ-e-I ChbmWv: [\-e`- yXm ]cn-]m-e\w; t\-ap-mIp Xc-n-ep ^p-If
- psS hn\ymkw;
_mnwKv IS-p-sN-n-n-m-, P\-hmkw
Ipd e-f
- n tkh\w \Ip-Xn-\p-th sNe-hp-Ip-d kmt-Xn-IhnZy; hnc-an-p-, ]cn-Nb
- k
-
-
- c
- mb hensbm-cp hn`mKw Poh-\
- mv A\p-tbm-Pycmb ]I-c
- msc hfn-sm-p-hc
- p-I;
hnh- c - k m- t - X n- I - h nZym kpc- n- X Xzw;
B[p\nI \jvSk
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kao-]\
-
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-
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- nn-.
\Sphjn Fm sjUyqUv
hmWnPy _mpIfpsSbpw samw
\nt]w 6,52,464 tImSn cq]bpsS hf
tcJsSpn. 2010 amv Ahkm\s
BgvN 17% hftbmsS 44,86,574 tImSn
cq]bn Fn. samw hmbv] \Sp
hjn 16.70% hf tcJsSpn,
32,40,399 tImSn cq]bmbn Dbp.
`yhn`h hmbv] 4.93% hnv 48,489
tImSn cq]bmbn. `tyXc hn`h hmbv]
14.49% hnv 2010 amv Ahkm\w
31,91,909 tImSn cq]bnsen. _mpIfpsS
Cshv s a v
t]mv t ^mfnsbm,
\nt]fpsS hfbvv A\pkrX
ambn hnv 18.54% hf tcJsSpn
(Ign hjs 19.97% ambn
XmcXaysSpptm) 13,82,684 tImSn
cq]bnsen.
1.5 \nb-{-W-\-S-]-Sn-Ifpw
km-nI \bhpw
160%
130%
100%
100%
i Ij B |nx Ex E B i
]CxV E ={vi, c J xk
x +x VxH E ={H |il{x
E i Ex; +< ] I; =zi VJ
|vx o]Eh B xx =i{n E +
Ex *
decelerated growth in the balance sheet of

the banking system. This could have a
lagged effect on the credit quality and
profitability of banks. Regulatory changes
also have opened up newer opportunities
in areas such as financial inclusion, mobile
banking and rural banking. Some of the
issues that are expected to keep the
bankers occupied in coming times include
liquidity management; gainful deployment
of funds; availability of cheaper technology
to serve thinly populated unbanked areas;
grooming suitable replacement for large
number of the experienced manpower
retiring; IT security; advanced Risk
management approaches; and introduction
of innovative products.
Aggregate deposits of All Scheduled
Commercial Banks grew by Rs.6,52,464
crore during the year to reach Rs. 44,86,574
crore as at the last Friday of March 2010
registering a growth rate of 17.00%. Gross
Advances registered a growth of 16.70%
during the year and rose to Rs.32,40,399
crore. Food Credit increased by 4.93% to
Rs. 48,489 crore. Non-Food Credit grew
by 14.49% and reached the level of
Rs.31,91,909 crore as at the end of March
2010. The investment portfolios of banks
also moved up in tandem with resource
growth, recording a growth of 18.54%
(compared to the growth of 19.97% during
last year), to reach a level of Rs.13,82,684
crore.
E n x +xSi hVE E E
E V .6,52,464 Ec E r nV
Ei B S 2010 E +xi G E .
44,86,574 Ec M< + <x 17.00% E
r nV <* E nx E +O
16.70% r n V < + g E .
32,40,399 Ec M<* Jt @h 4.93% E
r nV E . 48,489 Ec M* MJt @h 14.49% E r nV E S
2010 E {i { . 31,91,909 Ec E
i iE {S M* E E x {]
vx r E l-l gi B (Mi
E nx nV < 19.97% r E ix )
1.5 Regulatory Measures and
18.54% E r nV E . 13,82,684 Ec Monetary Policy
E i iE {S M*
The Reserve Bank has pursued an
accommodative monetary policy beginning
1.5 xE ={ + pE xi
i W E x i +ll {
Cy km-n-Ih
- y-h
- b
- n BtKmf k E] E | E E Ex E B
km-nI amy-ns BLmXw eLqI-cn-p-X
- n-\mbn 2008 sk]vw-_ ]Ip-Xn- v-i 2008 +xE pE xi E
ap-X dnkhv _mv Hm^v Cy A\p-c- +xix E * =`B MB En W
Rv P - \ m- - I - a mb km- n- I - \ - b - a mWv
M +i VMi + +
]np-Sv hcp-X
- v. Itmf ]m-fn-If
- n
B-hn-izmkw ]I-cp--Xn\pw BtKmf k E] E | +l-l {
km-nI {]Xn-k
- n-bpsS ]cn-WX
- ^
- e
- - {cx Ex M * il{, gi
-fn \npw Cy k-Zvhy-h
sb
Jt i + <E piE |i {
kwc-n-p-\np--Xn\pw Cu
mid-September 2008 in order to mitigate

the adverse impact of the global financial
crisis on the Indian economy. The measures
taken instilled confidence in market
participants and helped cushion the spillover
of the global financial crisis on to the
economy. However, in view of rising food
inflation and the risk of it impinging on
inflationary expectations, the Reserve Bank
announced the first phase of exit from the
expansionary monetary policy by terminating
10
kmnI\bw ImcWambn. ]t,

hnp-sIm-n-cn-p `y-hn-e--b-hpw, hne-b
- IW-p-Iq-e
- p-If
- n AXv
sNep-m-hp kzm[o-\hpw IW-n-seSpv dnkhv _mv Hm^v Cy hnIm-k]
- c-amb km-n-I-\-b-n \np-ap
Hmw-L hnSp-X {]Jym-]n-p. 2009 HIvtSm_-dn cmw ss{XamknI ]p\chtemI\
n Nne taJ-em-_
-
- a
- mb kuI-cy-
\n-em-n-smv sjUyqUv sImtagvky _mp-If
- psS myqdn enIypUnn
A\p-]mXw (SLR) {]Xn-k
- nbvv ap]p
\ne-hm-c-n-tev ]p\x-m-]n-p-sIm-pamWv CXv \S-m-n-bX
- v.
+iGh Ex E VJ E nn xW, i
W E x EU Ij-] v+ E {i
Ei B + +H 2009 n i
I +xSi hV E E vE
Sxv +x{i (B B +) E =E E]{h
i { {x&|iì Ei B i p xi
|lx Ex E |l Sh E Ph E*
BZy-]m-Z
- n 25 ASn-m\ t]mbnpI Ipdv 4.75 iX-am-\hpw 3.25 iX-am-\hp-am-nb dntm, dnthgvkv dntm \ncp-I 2010 amn 5 iX-am-\a
- mbpw
3.5 iX-am-\a
- mbpw ]p\x-m-]n-s
- -p.
sjUyqUv Ita-gvky _mp-Imbp {]tXyI [\-kl

- mb kuI-cyhpw
{]tXyI Ime-bf
- h
- n-ep dntm kuIcyhpw (ayq-z ^p-I, _mnw-Kv- C
- Xc km-nI m]-\
- , `h-\h
- mbv]m m]-\
- Fn-hbvv [\-klmbw \Ip- - X n- \ m- b n) 27.10.2009
apX ]nh-en-p.
nb-dnwKv tIm-td-j Hm^v Cy-bpam-bp ISw hmepw sImSp-epw
_m[y-XI
- aqew (CBLO) sjUyqUv
_mp-Iv Dm-Ip _m[y-X-I
Icp-X [\m-\p-]mXw ]pep-X
- n\p
hnt[-b-am-bn-m-bn-cn-pw.
sjUyqUv Ita-gk
v y _mp-Iv _m[I-am-b, Cu kmnI hjw \S-m-nb
{][m\ \S-]S- n-I:
{x&Jn n + |iii {x&Jn n nx

E, + |l i 25 +v +E
P]E G& 4.75% B 3.25% E n
M l il S 2010 n {x&|iì
E 5.00% + 3.50% E n*
E E n E< {ix x Ei B
= 6.00% J M, VE Sl i
E nx +Ii xEn xv +x{i (
+ +) E 75 +v +E gE 5.75%
E n + vE S xv +x{i
(B B +) E 25 |ii { {x&|iì
E M*
xi @h {xk v E E {j
E xi @h E 50% P]E 15%
E n M*
+xSi hVE E i {xk

v B n {x&Jn v
(S+ b, M-EM k E{x
B + k E{x E k{h i)
E 27.10.2009 n E n M*
_mv \ncv am-an-msX 6 iX-am-\a

- mbn
XpSp. \memw ]mZ-n Icp-X [\m\p-]mXw (kn.-B.-B.) 75 ASn-m\
t]mbn v h[n-nv 5.75 iX-am-\a
- mn;
myqdn enIypUnn A
- \p]mXw 25 iXam-\a
- mbn ]p\x-m-]n-p.
Ib-p-aXn [\-kl
- m-bk
- u-Ic
- y-n-\p
]cn[n Al-Xb
- p A[nI Ib-p-aXn
hmbv]b
- psS 50 iX-am\n \nv 15
iX-am-\a
- m-n.
The monetary measures implemented

during the financial year include:
k E n x M EB MB pE ={
:
200910 km-nI hj-n \S-m-nb

km-nI \S-]S- n-I Ch-bmWv:
some sector-specific facilities and restoring

the Statutory Liquidity Ratio (SLR) of
Scheduled Commercial Banks to its precrisis level in the Second Quarter Review in
October 2009.
Both Repo rate and Reverse repo rate,

initially reduced by 25 basis points to
4.75% and 3.25% respectively in the first
quarter, were later restored to 5.00%
and 3.50% in March 2010.
While the Bank rate was kept unchanged
at 6.00%, Cash Reserve Ratio [CRR] was
hiked by 75 basis points to 5.75% and
Statutory Liquidity Ratio (SLR) was
restored to 25% during the fourth
quarter.
The limit for export credit refinance facility
reduced from 50% of eligible outstanding
export credit to 15%.
Special refinance facility and the Special
term repo facility for scheduled
commercial banks (for funding mutual
funds, non-banking financial companies
and housing finance companies) were
discontinued from 27.10.2009.
Liabilities of scheduled banks arising from
transactions in collateralised borrowing
and lending obligations (CBLO) with
Clearing Corporation of India Ltd. (CCIL)
to be subjected to maintenance of the
CRR.
Some of the other major measures

announced during the period under review
applicable to Scheduled Commercial Banks
are:
i vx xM ]b ( +<
B) E l {E =v B @h ni
(..B.+) B xnx =i{z +xSi
E E niB, +Ii xEn xv +x{i
E J-J E +vx M *
+xSi hVE E { |V Ivx

+v E nx Pi EU +x |J ={
xx :
Rs.89,345 cr.
Rs.102 cr. Rs.676 cr. Rs.3,229 cr.
Rs.15,314 cr.
11
tkhnwKvkv _mv Au-p-I-fpsS

]eni 2010 G{]n 1 apX sjUyqUv
Ita-gvky _mp-I Zn\w{]Xnbp
\onbncnns ASnm\n IWm-pw.
]pXnb {_mv XpSphm\p amK\ntZ-i

- DZm-ca
- mn apIq A\paXn IqSmsX sjUyqUv Ita-gvky
_mp-Iv hS-p-In-g- kwm\-f
- nepw ap kwm-\
- fnse 49,999
hsc P\-kw-Jy-bp tI{--fnepw
imJ-I Xpd-p--Xn-\p A\p-aXn
Inn. IqSmsX Hm^vsskv F.-Sn.-F
- pI Bcw-`n-phm\pw A\p-aXn \In.
s_vamv ss{]w seUnMv tdv

(BPLR) LS-\bvv ]I-ca
- mbn 2010 Pqsse
Hp-ap-X Cy-bnse _mp-Imbn
dnkhv _mv Hm^v Cy Hcp ]pXnb
ASnkv Y m\ \ncv Ah- X - c n- n- psImv D-ch
- n-d
- n.
_mp-Ip Ib-p-aXn hmbv]m-[\

- k-lm-b
- n-\p ]cn[n h[n-n-Xv 2010
amv 31 hsc \on.
km-nI Ds-Sp- (Financial
Inclusion) DunXamp-Xn-\p ka{K-amb amK-\ntZ-i
- ]pd-s-Sp-hnp
ASp aqp hj-f
- n-embn \S-mp-X
- n-\p-thn t_mUv AwKo-Ic
- n
km-nI Ds-Sp- ]Xn amv
2010\v apv Fm _mp-Ifpw Xbm-dmm _m[y-a
- m-Wv.

samss_ _mnwKv \S-m-p--Xn\p ka-{K-\ntZ-i

- ]pd-s-Sp-hn-p.
]W-a-b-bvp--Xn\pw km[-\- /
tkh-\
- hmp-X
- n\pw D]-t`m-mhn-\p ssZ\w-Zn\ ]cn[n 50,000 cq]bmn h[n-n-p. \ne-hn CXv 5,000
cq]m, 10,000 cq]m Fn-s\ {]tXyI
]cn-[n-bm-bn-cp-p.
F.-B.(-C).-B.-F, F^v.-kn.-F.B (_n) \nt-]

- f
- n-ep XpI-bpsS
CuSn A\p-hZ- n-p hmbv]m XpI 20
ew cq]-bn \npw Hcp tImSn cq]bmbn Dbn.
Itagvky dnb Ftv taJebnse

kXv { Inb
Bkv X nIfntaep
hIbncp A\p]mXw 0.4% \nv 1%
Bbn Dbn.
\njv{Inb BkvXn-Is-Xn-sc-bp
\nnX hIbncpepIfpw Anc
hIbncpepIfpw in-s-Sp-m
_mp-Iv \ntZiw \In. C-cn 2010 sk]vw-_d- n-\I
- w, Anc
+| 2010 +xSi hVE E

u Si E Ji { V E {Ex
nxE =i{n +v { M *
J |vEh n-xn E =nEi E
n M - +xSi hVE E (B
) E +xi n M< E x {
+xnx E, E <E Sx nE +<] B]B l{i E Ei * +xSi
hVE E E =k { V +
+x V 49,999 iE E VxJ
Exp i W E E {
+xnx E x E E Jx E
+xi n M<*
i E E B 1 V<, 2010 E
| il +v xxi =v n fS
(.{.B.+) E lx { xB n E
+ E *
E E B xi @h {xi i vi
E 31 S 2010 iE g n M*
k +xix PxEh i {E nxn V EB MB - E E S
2010 { b u +xni k
+xix Vx i Jx l - V E
+M 3 M E Vx *
< EM E M Ex E B {E
n-xn V EB MB l* xnx {
nxE E{ E xv +ih B i+ /
+ E Jn {i xnx, nx E
{ E G& . 5,000/- B . 10,000/
- E {lE E{ gE |i OE .
50,000/- E n M*
Bx + (<) + B + B Bx +
() V+ vi xv E Vxi {
nB MB @h { li . 20 J E E{
E fE . 1 Ec E n M*
'xE +i' E { MEi hVE
l {n Ij E +O i |vxEh
+Ei E 0.4 |ii gE 1.0
|ii E n M*
E E +xVE {{k { ]
|vx il +l |vx H =xE
|vxEh MV < E vi Ex i
Interest on savings bank accounts is to

be calculated by scheduled commercial
banks on a daily product basis from April
1, 2010.
Branch Authorisation Guidelines were

liberalized - Scheduled commercial banks
(SCBs) allowed to set up off-site ATMs
without prior approval subject to
reporting. SCBs also permitted to open
offices in North Eastern states and in
centres with population up to 49,999 in
other states without prior approval from
the RBI.
Introduction of a new Base Rate for

Indian Banks in place of the Benchmark
Prime Lending Rate [BPLR] structure, with
effect from July 01, 2010,
The increased limit for export credit

refinance for banks extended up to
March 31, 2010.
Comprehensive guidelines were issued

for deepening Financial Inclusion all
Banks were required to put in place a
Board approved Financial Inclusion Plan
before March 2010, to be implemented
over the next 3 years.
Comprehensive Guidelines were issued

for implementing Mobile Banking. The
daily cap on transactions was increased
to Rs.50,000/- per customer for both
funds transfer and transactions involving
purchase of goods/services from the
earlier separate caps of Rs.5,000/- and
Rs.10,000/- respectively.
The cap of Rs.20 lac on loans granted

against the security of funds held in
NR(E)RA and FCNR (B) deposits
enhanced to Rs.1 crore.
The provisioning requirement for

advances to the commercial real estate
sector classified as standard assets
increased from 0.4% to 1.0%.
Banks advised to augment their

provisioning cushions consisting of
specific provisions against nonperforming assets (NPAs) as well as
floating provisions so that their total
12
hIbncpepI DssS samw

hIbncp (\njv{Inb BkvXnv
FXnsc) A\p-]mXw 70 iX-am-\a
- m-IW
- sa-mWv Dt-in-n-p-X
- v.
Si Ex iE +l |vx i
=xE E |vxEh EV +x{i i
2010 iE 70 |ii iE {S VB*
2. _mns {]I-S\w
2.1 {]h-\-^-ehpw {]h-\-
2.
em-`hpw
2.1.
E E x{nx
ESx {h il {Sx
2009-2010se _mns {]h-\e

- m`w (m^w-K
- p Nnehv hI-bn-cp-n-bX
- n\v
tijw), ap hjs 1,056.27 tImSn cq]bn \npw 1,055.87 cq]-bn-se-n. \S-phjs Am-Zmbw 2008-2009 se 607.84
tImSn cq]m FXv 684.27 tImSn cq]-bm-bn.
{]Xn Hmlcn hcp-am\w (]v cq] apJ-hn-ebp-) 121.57 cq]-bn \npw 136.85 cq]bmbn h[n-p.
E E {SxMi (] |vx E
n) Mi E . 1,056.27 Ec E ix
2009-10 E n x . 1,055.87 Ec
* E x 2008-09 E. .
607.84 Ec E ix . 6,84.27 Ec
* E E |i +Vx (+Ei .
2.2 em`-hn-lnXw
10/-) . 121.57 gE . 136.85
Hml-cn-bp-Sa
- I
- v _mv Db em`-hn-lnX-amb 160% {]Jym-]n-p. Cubn-\-n M*
BsI 93.60 tImSn cq] \tI-Xpv. em`hn-ln-X--hn-X-cW A\p-]mXw (em-`-hn-lnX
\nIp-Xn-Iq-Sm-sX) 12.05% BWv.
2.3 aqe-[\ kam-l-c-Whpw aqe-[\
]cym-]vX-Xbpw
_mns aqe[\ ^p-I 2009 amv
Ah-km\w 3843.34 tImSn cq]-bm-bn-cp-Xv
2010 amv Ah-km\w 4397.23 tImSn cq]bmbn h[n-p. t_kII N-qSv A\pk-cnv aqe-[\ ]cym-]vXXm A\p-]mXw 2009
amnse 14.03 iX-am-\
- n \npw 13.74
iX-am-\-am-bn. dnkhv _mv \n-bn-n-p
Ghpw Ipd A\p-]mXw 9 iX-am-\-am-Wv.
CRAR s SnbI ap hjs 8.59 iX-am\s At]-n 9.24% Bbn Dbp.
2.2
E x vE E B 160% E =SSi
E Ph E V E i
Ei B E .93.60 Ec JS M* JS
+x{i ih ( E i) E
12.05% M*
2.3.
{V vx B {V {{ii
E E {V xv S 2009 E {i {
li . 3,843.34 Ec v E S
2010 E {i { . 4,397.23 Ec
2.4 \nt]w
M<* E, 31 S 2008 E | il
_mns samw \nt]w 21.03 iX-am\w
hf tcJ-s-Sp-n, 2010 amv 31-\v 50883 -II fS E <O] M* -II E
tImSn cq]-bm-bn. 2009 amv 31\v CXv 42,041 +iMi {V {{ii +x{i, i W E
u xi xxi 9% E {i S 09 E
14.03% E ix S 10 13.74% *
Mi E {i { li 8.59% E ix
< il E ]-I + B + 9.24% *
2.4
Expanding Financial Inclusion

Inauguration of RSETI & FLCC at Alappuzha by
Dr. Thomas Isaac, Finance Minister, Govt. of Kerala
E E E V 21.03% E r nV
< V 31 S 2009 E . 42,041
Ec E ix 31 S 2010 E +x .
50,883 Ec E i iE {S M<* HE
provisioning coverage ratio, including

floating provisions, reaches 70% by
September 2010.
2 BANKS PERFORMANCE
2.1 Working Results and Operating
Profit
Operating profit (after staff provisions) of
the Bank for 2009-10 stood at Rs.1,055.87
crore as against Rs.1,056.27 crore for the
previous year. Net Profit for the year stood
at Rs.684.27 crore as compared to
Rs.607.84 crore in 2008-09. The Earnings
per share (of Rs.10 face value) improved
from Rs.121.57 to Rs.136.85.
2.2 Dividend
The Bank declared a higher dividend of
160% to the shareholders, entailing a total
payout of Rs.93.60 crore, including dividend
tax. The Pay-out Ratio works out to 12.05%
of the distributable profit (excluding
dividend tax).
2.3 Capital Augmentation & Capital

Adequacy
The Banks capital funds improved from
Rs.3,843.34 crore as at the end of March
2009 to Rs.4,397.23 crore as at the end
of March 2010. The Bank has migrated to
Basel-II framework with effect from 31st
March 2008. The Capital Adequacy Ratio
under Basel II stood at 13.74% in March
10 as compared to 14.03% in March 09
against a minimum of 9% stipulated by RBI.
The Tier-I CRAR on this date is 9.24% as
against 8.59% as at the end of the previous
year.
2.4 Deposits
Total deposits of the Bank registered a
growth of 21.03%, reaching the level of
Rs.50,883 crore as on 31st March 2010
as against Rs.42,041 crore as on 31st
March 2009. Personal Deposits grew by
Rs.3,891 crore to reach Rs.32,478 crore.
As a consequence of economic slowdown
experienced in the Gulf countries, particularly
the UAE, the NRE Deposits were subdued
during the year. Other factors like the low
NRE interest rates, unfavourable exchange
13
Rs.50,883 cr.
Rs.42,041 cr.
Rs.35,354 cr.
Rs.30,984 cr.
tImSn cq]-bm-bn-cp-p. hyn-KX \nt]- 3,891 tImSn cq] hnv 32,478 tImSn
cq]-bn-se-n. K^v cmjv{S-f
- n-se, {]tXyInv bpssW-Uv Ad_v Fan-tdv-knse
km-nIamys XpSv \Sv hjn {]hmkn \nt-]
- aKXn-bn-embn-cp-p. {]hmkn \nt]fntaep
Ipd ]eni\ncv , {]XnIqeamb
hn\nab \ncv, {]hmkn \nt]n
\npw km[mcW B`yc \nt]
ntep amw, mhc kzpfn
tep \nt]w Fo hkvXpXIfpw
Ipd hfv Bw Iqn. 2010 amv
31\v {]hmkn \nt-]- 10,837 tImSn
cq]bpw BsI \nt-]
- ns 21.30 iXam-\hpam-Wv.
V . 3,891 Ec E r E
. 32,478 Ec M<* Jc V
E, B< {i +lE n E {h
{ E n x Bx + < V+ M]
E li * +x Eh xx Bx + <
V n, |iE x n, c {x { Bx
+ +< V+ {ix il l {n
( B]]) Ij E |i +Eh* Bx + +<
V 31 S 2010 E +x . 10,837
Ec + E E E V E
21.30% *
2 .5
+O
E n x E E E +O 17.97% E
r nV < V E 31 S 2009 E li E
+x . 32,601Ec E ix 31 S
2010 E +x .38,461 Ec E i iE
{S M<* < Ji& Bhb +< Mh] (.
3,242 Ec E r) B HMi Mh] (.
2.5 hmbv]-I
1,974 Ec E r) E Mnx * S
_mns samw hmbv]I
- \S-p-hjn 17.97 iX-am\w hf tcJ-s-Sp-n. 2010 E {i { E E Jn @h .
2009 amv 31\v 32,601 tImSn cq]-bm-bn-cp 19,688 Ec + +O {]
hmbv] 2010 amv 31\v 38,461 tImSn cq]-bmbn
Dbp. C &I hn`m-K
- n-tebpw (3,242 tImSn E 51.19% * E E @h V +x{i 31
cq]-bpsS hf) hyn-KX hn`m-K-ntebpw (1,974 tImSn cq]-bpsS hf) h- S 2009 E 77.54% E ix 31 S
\-hmWv apJy-ambpw Cu hfbvv \nZm- 2010 E +x 75.59% *
\-am-bX
- v. _mns Nnd hmbv]I
- 19688
tImSn cq]-bm-Wv. CXv samw hmbv]-IfpsS 51.19 iX-am-\a
- m-Wv. _mns hmbv]m
\nt] A\p-]mXw 2009 amv 31\v 77.54
iX-am\w Bbn-cp-Xv 2010 amv 31\v 75.59
iX-am\w Bbn.
2.6 _nkn-\kv hnp-h-chv

_mns samw hnp-hc
- hv 2010 amv 31\v
89,345 tImSn cq]-bn-se-n. 2009 amv 31se
74,642 tImSn cq]-sb-X
- n \nv 19.70 iXam\w hf-bm-WnXv hy-am-p-X
- v.
2.7 hn]-Wn-hn-lnXw
\nt- ] - - f n _mns AJn- t e- y
hn]Wn hnlnXw 2009 amv 27\v 1.08 iX-am\-am-bn-cp-Xv 2010 amv 26\v 1.09 iX-am-\ambn sa-s-p. hmbv]-Ifnse hnlnXw
CtX Ime- b - f - h n 1.15 iX- a m- \ - n
\npw 1.18 iX-am-\-ambn h[n-p. tIc-f-
2.6
E +i
E E E +i 31 S 2009 E .
74,642 Ec E i 19.70% E r nV
Ei B 31 S 2010 E +x . 89,345
Ec M*
2.7
rates, large scale conversion of NRI deposits

to domestic deposits and the lure of real
estate sector also contributed to the
subdued trend. NRI deposits stood at
Rs.10,837 crore and constituted 21.30%
of the Total deposits of the Bank as on
31st March 2010.
2.5 Advances
Total advances of the Bank registered a
growth of 17.97% during the year and
reached a level of Rs.38,461 crore as on
31st March 2010 as against Rs.32,601
crore as on 31st March 2009. The main
contributions came from the C&I segment
[growth of Rs.3,242 crore] and Personal
segment [growth of Rs.1,974 crore]. The
Banks Retail lending stood at Rs.19,688
crore and constituted 51.19% of the credit
portfolio as at the end of March 2010. The
Credit Deposit Ratio of the Bank stood at
75.59% as on 31st March 2010 as against
77.54% as on 31st March 2009.
2.6 Business Turnover

The business turnover of the Bank stood
at Rs.89,345 crore on 31st March 2010,
registering a growth of 19.70% from the
level of Rs.74,642 crore as on 31st March
2009.
2.7 Market Share

Banks All India market share in deposits
has improved from 1.08% on 27th March
2009 to 1.09% on 26th March 2010. In
Advances the share has improved from
1.15% to 1.18% in the same period. The
Bank continued to maintain its position as
the premier bank in Kerala with a market
W +
V E E +J i W +
27 S 2009 E 1.08% v E 26 S
2010 1.09% * +O + x
+v 1.15% vE 1.18% +* E
x n 2009 E +x (< {] E nxE
Rs.38,461 cr.
Rs.32,601 cr.
Rs.28,137 cr.
Rs.24,630 cr.
14
Rs.14,091 cr.
Rs.13,015 cr.
Rs.11,742 cr.
Rs.9,895 cr.
nse hn]Wn hnln-X

- ns 22.56 iX-am\hpw (2009 Unkw-_) imJm irwJ-ebpsS 14.23 iX-am-\hpw ssIb-Sn tIc-fnse apJy-_mv F ]Zhn \ne-\nnhcp-p.
2.8 apK-W\m hmbv]m taJ-e-I

tZio-b \b-pw {]Xo-Ipw
kmaq-ly-e-y-fpsS ê-{]m-]vXnpw
A\p-k-cn-v, apK-W\m hn`m-K-p
hmbv ] \Ip- - X n khn- t i- j - a mb
Du \Ip ]Xnhv _mv XpS-cp-p.
apK-W\m taJ-ebvp _mv \Inb
samw hmbv] 2009 amv 31se 13,015
tImSn cq]-bn \nv, \S-p-hjw 1,076
tImSn cq] h[n-v, 2010 amv 31\v 14,091
tImSn cq]-bmbn. 2009 amv Ah-km-\w,
apK-W\m taJ-e-Ip hmbv]-I
(Al-amb \nt-]
- Ds-sS) 40 iXam\w F ASn-m\ am\-ZW
- vUs adnI-S
- v, {IaoIrX A _mv s{IUn-ns
43.87 iX-am-\a
- mbn h[n-p.
E i V E u xxi |Ei
b] E +x) V E E J x]E E
14.23% E l 22.56% E V
+ E l E |J E E +{x li
E E J*
2.8
|lEi |{i Ij =v
] xi, VE =q E |i B
{i E +x{ E x |lEi |{i Ij E
=v nx { nx V J* E E
|lEi |{i Ij E =v S 2009 E
{i { li . 13,015 Ec , . 1,076
Ec E r nV E S 2010 E {i
{ . 14,091 Ec iE {S M* S 2010
E li E +x |lEi |{i Ij +O
({j x i), 40% +v E ix ,
Vi x E @h (B Bx ) E
43.87% *
2.9
E B Oh k B i
E x . 3,000 Ec E E @h
Vx I E {i S 2010 E {i
{ E Jb E +iMi .3,083 Ec E
ih E* 31 S 2010 E li E
+x E Jb ({j x E i Ei
2.9 Irjnpw {Kmao-W-ta-J-e-bvpap [\-k-lm-bw, kzbw klm-b- B) E =v E i . 3,414 Ec V
kw-L
- (SHGs)
Mi E ix . 461 Ec E r
{]tXyI ImjnI [\klmb ]Xn ni * E E B Bx E E +O
ey-an-n-cp 3000 tImSn cq]-bn 2010
10.33% *
amv Ah-km\w hsc 3083 tImSn cq]bmWv ImjnI taJ-ebvp _mv hnXcWw sNbvXX
- v. 2010 amv 31\v ImjnI
taJ- e - b v p hmbv ] (Al- X - b p
\nt-]
- Ds-sS) 3,414 tImSn cq]-bmWv. CXv Ign hjs At]-nv 461
tImSn cq]-bpsS h[-\h
- mWv ImWn-p-Xv . ImjnI taJebv p _mns
hmbv] {IaoIrX A _mv {IUnns
10.33 iXam\amWv.
2009 Pqsse apX sk]vw-_ hsc "Fkv._n.n lcn-tXmkhw 2009' F t]cn
500 tImSn cq]-bpsS hmbv]m eyhpw
ImjnI taJ-eb
- nse hnhn[ hn`m-K
- f
- nembn 70,000 Au-p-If
- p-sSbpw h[\
+O Jb z n E +xiMi 70,000
x Ji E r E l . 500 Ec E
=v I E l V<-i 2009 E n x
""B ] ii 2009" xE BE Mx
E =v +x S M l* < +x
E i VE +xiMi E .
502 Ec E ih 94,000 x-Ji E
+vx EB MB* S k E n x G&
.188 Ec B .172 Ec E xv {
E l 28,804 Ex Gb] Eb (Ex
Rs.6,144 cr.
(1.33 lac)
Rs.4,858 cr.
(1.21 lac)
Rs.4,158 cr.
(1.16 lac)
Rs.3,494 cr.
(1.09 lac)
share in business of 22.56% as at

December 2009 (as per latest published
Data by Reserve Bank of India as on date
of this report) with 14.23% of the total
branch network in the state.
2.8 Priority Sector Lendings

The Bank continued to lay special emphasis
on lending to the Priority Sector in
conformity with the national policies,
expectations and fulfillment of social
objectives. Banks Priority Sector Lendings
increased from Rs.13,015 crore as at the
end of March 2009 to Rs.14,091 crore as
at the end of March 2010, recording a
growth of Rs.1,076 crore. As at March
2010, Priority Sector advances [including
eligible investments] constituted 43.87% of
the Adjusted Net Bank Credit [ANBC]
against the benchmark of 40%.
2.9 Agricultural and Rural Finance &

Self Help Groups
Bank has disbursed an amount of Rs.3,083
crore under agriculture segment as at the
end of March 2010 against the Special
Agricultural Credit Plan target of Rs.3,000
crore. The level of lending to Agriculture
segment (including eligible investments)
st
stood at Rs.3,414 crore as on 31 March
2010 which represents a growth of Rs.461
crore over the previous year. Banks
Agriculture Advances constitute 10.33% of
ANBC.
An intensive Agricultural lending campaign
titled SBT HARITOTSAVAM-2009 was
conducted during Jul-Sep 2009 with a
lending target of Rs.500 crore and 70,000
new accounts under various heads in
Agriculture segment. The campaign was a
grand success achieving disbursements
aggregating Rs.502 crore under 94,000 new
15
ey-an-Sp Xo{h-ImjnI hmbv]m {]NmcWw kwL- S n- n- p- I - b p- m- b n. 94,000

Au-p-If
- n-embn 502 tImSn cq]m hmbv]
\In Kwòc hnPbw t\Sp-hm Cu {]Nmc-W-]--Xnbvv Ignp. \Sp kmnI hj-n 28,804 Inkm s{IUnv
ImUp-Ifpw (Ij-Iv {]h\ aqe[\w e`y- a m- p- - X n- \ v ) 5311 Inkm
tKmUv ImUp-Ifpw (Ij-Im-bp
\nt] hmbv]) hnX-cWw sNbvXp. CXn\mbn bYm-{Iaw 188 tImSn cq]bpw 172 tImSn
cq]-bp-amWv hn\n-tbm-Kn-X
- v. hmbv]m ]Xn-If
- psS e`yX Bh-iy-m-cmb Ij-Icn Fn-p-X
- n\pw {KmaoW P\-ka
- ql-n _mv \S-m-n-sm-n-cn-p
hnhn[ Xcw ImjnI ]-Xn-I-sf-p-dnp A-ht- _m[w krjvSn-p-X
- n-\p-ambn
{KmaoW taJ-eb
- n-eqsS {]Nm-cW hml\w
Gm-Sm-n-bn-p-v.
ImjnI taJ-em-hmbv] sa-s-Sp-p-Xn\pw ]c- a m- h [n Ij- I sc _mns
Au-n\v Iogn-se-n-p--Xn-\p-ambn
Imjn-I`- q-an-b
- n \nb-a]
- c
- a
- mb DS-a
X
- bp, Ign cp-hj-me-ambn sas Xncn-S- hp Ncn-{X-ap Ij-Imbn
Hcp ew cq] hsc-bp ImjnI hmbv]I-fn CuSv kw_-n \n_-\
- I
- f
- n
- p-kCfhv hcp-n-bn-p-v. SGSY ]-Xn-b\
cnv hyy[njvTnX hmbv]I
- p A\p_ CuSv Hgn-hm- 50,000 cq]-bn
\nv Hcp ew cp]-bmbpw {Kqv hmbv]Iv 5 ew cq]-bn \npw ]v ew
cq]-bmbpw bYm-{Iaw Dbn-bn-p-v.
E E {V v) B 5,311 Ex
Mb Eb (Ex E x @h) V EB
MB* Wi n Ex E =v E v
n {Sx + E M EB V z
E Vx+ E v Oh Vxi
VMEi {n Ex E =ql Oh Ij
|S x S M*
E E vE i B Ex
VxE Mi n E SEi ]E Eb +SU
, =xE v . 1 J iE E @h
E B Vxi xnb i n M< iE
E E B nB Vx =v v E
+ +vEi J Ex E E E
E +xiMi E* B V B <
Vx E +xiMi, G& HMi @h i
{E |ii U] E . 50,000
gE . 1 J il @h i . 5
J gE . 10 J E n M*
E i E |ix B I k
l+ B M E M`x E v
=xE k{h E |i |ir * .542 Ec
E k { E l + iE 78,677
E i E M<* E n x E x
kzbw-kl
- mb kwL-sf t{]mm-ln-n- M J E xS Vx {x E
p-X
- nepw ssat{Im ^n\mknwKv Cnyq-j\
- p-Ifpw (MFI) km CXc m]- i /{c E n E B
\-fpw (NGOs) aptJ\ Ahbvv km- M-xh i x Vx E +xiMi . 29
nI klmbw \Ip-X
- n\pw _mv {]Xnm-_
- a
- m-Wv. CXp-hsc 542 tImSn cq]- J E { E l 37 { E k{h
bpsS km- n- I - k - l mbw 78,677 E*
kwLmbn \In-bn-p-v. kzbw
klmb kwL- , Zmcn- { Zy- t c- J bv v
Xmsg-bp Abq-
- Fn-hb
- nse
AwK-v `h-\-\nam-W-n-\p `h\{io ]Xn {]Imcw \S-p-hjw _mv 37
IpSpw-_
- mbn 29 ew cq] [\-klmbw \In.
kmt-XnI]ptcm-KX
- n-bpsS t\w Ij-Ic
- nse- n- p- - X n- \ mbn ImjnI hmbv ] Ip At]--I Hmsse-\mbn
kan-p-X
- n-\p- kwhn[m\w Hcp-nbn- p- v . _mns sh_v s skns
tlmwt]-Pn Cu kuIcyw e`y-am-Wv.
|tME =zi E Ex iE {Sx E

B, + Vxi E ={Ml E +O E
v +nx E +x<x {VEh i BE
]] ={v E M< * v E E
<x]x] <] ={v *
z E =i{n E Vxi E S
VMEi {n Ex E B xb E +vE
+ E E M {nvE E
E +vE Oh B +r-
s]mXp-P\
-
- n-Sb
- n _mns hnhn[ J+ Ex E È ( ]) E
Celebrating Womens Day

Presenting uniform kits to Kudumbashree
members on Womens Day
accounts. During the current fiscal 28,804

Kisan Credit Cards (Working capital facility
to farmers) and 5,311 Kisan Gold Cards
(Investment credit to farmers) were issued
with an outlay of funds of Rs.188 crore and
Rs.172 crore respectively. In order to spread
the message of lending to needy farmers
and to create awareness among the rural
folk on the various agricultural schemes
being implemented in the Bank, a publicity
van was plied through the rural areas.
The security norms were relaxed for crop
loans up to Rs.1 lac in respect of farmers
having legal ownership of agricultural land
with good repayment track record for last
two years to improve the lending to
agriculture and bring maximum number of
farmers to the banks books. Under the
SGSY scheme, exemption in collateral
security for individual loans was raised from
Rs.50,000/- to Rs.1 lac and Group loans
from Rs.5 lac to Rs.10 lac respectively.
Bank has been committed in promoting Self
Help Groups and financing them through
MFIs and NGOs. 78,677 groups were
assisted so far with a financial outlay of
Rs.542 crore. Bank during the year financed
37 families with an outlay of funds of Rs.29
lac under Bhavansree Scheme for
constructing houses to members of Self
Help Groups / Neighbourhood groups living
below poverty line.
With a view to pass on the benefit of
technological advancement to the farmers,
a utility has been provided for registration
of applications on-line in respect of
Agricultural advances for the use of general
public. The facility is available in the internet
website of the Bank.
Farmers Meets were conducted in most
of the rural and semi-urban branches with
16
ImjnI hmbv]m ]XnIsf-p-dn-p

Ah- t _m[w krjv S n- p- - X n- \ mbn
\_mUn-tbpw km-cns hnI-k\
hIp-p-If
- nse DtZym-K
-
- m-cp-sSbpw ]mfn-t- msS Fm {KmaoW imJ-If
- nepw
A--\-Kc imJ-I-fnepw Ij-I-cpsS
tbmK- kwL-Sn-n-p. _mn\v CXphsc 210 ^mtagvkv p-I-fp-v. anhmdpw Fmw-Xs {Kmao-W, A-\--Kc
imJ-If
- n-emWv {]hn-p-X
- v. {KmaoW
taJ-eb
- psS ]cn-h-\
- n-\p Xzc-I
- fmbn {]hn-p-Ib
- mWh.
+Vx E M* 210 EE C Oh
+r Ij E E + Oh
{xih =i|E E E x *
2. 10
I, P B v =t E @h
(B B B <)
E x I, P B v =t (B B B
<) E +{x G M V J * < Jb
E =v .885 Ec E r nV < +
2.10 kqva-X-e, sNdp-In-S-C-S-cw kwcw-`-p
31 S 2010 E +x .7,412 Ec
hmbv]-I (MSMEs)
kqva-X-e, sNdp-In-S--C-S-cw kwcw-`- M*
p kPoh ]npW _mv XpSpsIm- n- c n- p- p. Cu taJ- e - b v p +lE n E | E +vE M iE
hmbv]I
- f
- n 885 tImSn cq]-bpsS hf V E E< Ij li i
tcJ-s-Sp-n-smv 2010 amv 31\v 7412
nJ M* xh BEE, E E, EV,
tImSn cq]-bn-se-n.
]e taJ-e-I-fnepw Xncn-p-h-chv Zriy-am-bn- + j V {{E Ij E +xiMi
cp-s-nepw \S-p-hj-ns `qcn-`mKw
Imebfhnepw km- n- I - a m- y- ns BEE V +vEi& xi { x i ,
BLmXw XpSp. DXv]m-Z\
- b
- q-Wn-p-I,
E i E +b x V * |i
{]tXy-Inpw Ib-p-a-Xnsb hfscb[nIw
B{i-bnv \np ]mc-cy taJ-eI
- - BEE E i E B + EB MB i
fmb Ib, Iip-h
- n, s\bvv XpS-n-bh-bvp HmU-dp-I ipjvIa
- m-bn-s ={ V +iH E {V ={v Ex,
XpSp.
n @h, Vx +Ei+ U], k
A[n-I{- ]-h\ aqe-[\
- w, ZoL-Im-eh
- m|{ i nP +v, V n E P]x
bv], amPn \n_--\-I-fn-ep Cf-hv,
dokoh_nkn\v tase \o Ime- b - +n E< BEE E E`x Sx
fhnep [\klmbw, Ipd ]en-i\
- ncv XpS-nb ]e \S-]S- n-Ifpw km-n- M * +lE n |i BEE E
I-amyw {]Xn-Iq-e-ambn _m[n bqWn-p- M nx E B EB MB EU ={ xx
Isf klm-bn-m-\mbn kzoI-cn Bizmk
:
\S-]-Sn-I-fm-Wv.
km-n-Ia
- myw FXn-cmbn _m[n _s bqWn-p-Isf klm-bn-m _mv
FSp \S-]S- n-If
- n NneXv Xmsg sImSpp-p.
i. \ne- h n- e p
{]h- \ - a q- e - [ \
hmbv]bvv ]pdsa AXnt 20 iXam\w A[nI {]h-\a
- q-e[
- \ hmbv].
ii. P\-td- skp-I, b{-, D]-Ic
- W- / ap ncw Bkv X n- I
Fnh hmp- - X n\v ZoL- I me
hmbv]m-ku-I-cyw.
iii. bqWn-p-Isf klm-bn-p-X
- n\v Fm
tkmW Hmô-kp-I-fnepw apwss_bnepw Uln-bn-ep-ap doPn-b-W
Hmô- k p- I - f nepw ]pXp- X mbn MSME
sIb sk-dp-I Bcw-`np.
the involvement of NABARD officials and

Government Development Departmental
functionaries to create awareness among
the public of the various agricultural products.
The 210 Farmers Clubs functioning in rural
and semi urban areas act as catalyst in rural
transformation.
2.10 Lending to Micro, Small And

Medium Enterprises (MSMEs)
Bank continued its active support to Micro,
Small and Medium Enterprises (MSMEs).
Lending to this segment has recorded a
growth of Rs.885 crore to touch Rs.7,412
crore as on 31st March 2010.
The impact of the economic slowdown
continued for the better part of the year,
though recovery was seen in many sectors.
Manufacturing units, especially under the
traditional sectors like coir, cashew and
textiles, which have a high dependence on
exports, continued to face fewer orders.
The relief measures introduced to assist the
affected units like providing of additional
working capital, term loan, relaxation in
margin requirements, longer period for
financing receivables, reducing interest rates
etc, helped many units survive the difficult
period. Some of the measures taken for
assisting the units affected by the economic
slowdown include:
i. Additional working capital limits upto
20% of the existing working capital
facilities.
i.
tx E {V Mi v+ E 20%
iE +iH E {V Mi B.
ii.
Vx] ] + x / ] / +x
iii. MSME Care Centres have been opened
+S +i E G E B x< n
at all Zonal Offices and Regional Offices
@h v
at Mumbai and Delhi for rendering
iii.
+SE E B < n
li Ij E BEE E M
nx E B B B B < E h] J
MB *
Gb] M] ]] <G Bhb Bh]|<V
ii. New term loan facility for purchase of

generator sets and also machinery/tools/
other fixed assets.
support to units.
Credit Guarantee Fund Trust for Micro and
Small Enterprises (CGTMSE) - The Bank is
a Member Lending Institution under the
CGTMSE scheme for providing collateral
free loans. Workshops were conducted in
all Regions of the Bank to improve the
17
CGTMSE ]Xn {]Imcw CuSp hnap
( V ] B B <) - E, {E H @h
E ={v Ex i ( V ] B B <) Vx
E +xiM i BE n @hn j l *
{SxMi ] E VMEi v x
i E E Ij Vx E v
E+ E +Vx E M* Vx E
v Ii Ex E B =t E È
_mns sSIv \ n- Ikkn E +Vx E M* + iE E x
sk \S-p-hjw 15 ]Xn aqey-\nWbhpw ]p\-c-[n-hm-k-]-T-\hpw hyh-kmb Vx E +xiMi .146 Ec E 5,914 @h
khn-tk-jXm ]T-\
- fpw \S-p-Ib
- p-m-bn. E E*
hmbv ] m- h n- X - c W m]- \ - nse AwKamWp _mv. _mns Poh-\-mn-Sbn ]-Xn-sb-p-dn-p Ah-t_m[w
krjv S n- p- - X n- \ mbn _mns Fm
doPyWnepw inev]i
- m-eI
- kwL-Sn-n-p.
Ah-t_m[w krjvSn-p--Xn-\mbn kwcw`-I-cpsS tbmK-fpw hnfn-p-Iq-n-bn-cp-p.
CXp-hs
- c, Cu ]-Xn-{]-Imcw 146 tImSn cq]bvp 5,914 hmbv]I
- _mv \In.
\S-p-hjw _mv 3 hyh-kmb kwcw-Ì hnIk\ ]cn-]m-Sn-I (EDPs) \S-n.
E nx, E E iExE { EI x
2.11 hmWn-Py-]-chpw m]-\-]-c-hp- 15 {Vx Ex, {x +vx B =tM
amb [\-k-lmbw
] +vx EB* E n x 3 =tk
\S- p- h jn BtKm- f - a m- y- ns E EG (< b {) E +Vx E
{]Xym-Lm-X
- f
- p-m-bn-p-t]mepw Itm-fnse km[y-X-I {]tbm-P-\-s-Sp-n- M*
smv Cu taJ-eb
- n anI {]I-S\
- a
- mWv
2.11 hVE B lMi k
\S-n-bX
- v. _mns C & I hmbv]I 2010
amv 31\v 19,198 tImSn cq]- b n- s e- n.
_mns samw _nkn-\
- n 50 iX-am\hpw Cu hn`m- K - n- e m- W v . hym]m- c - khokv taJ-e-I, hyh-km-bw, ASnm\ kuI-cy-hn-Ik
- \
- w, tIm-tdv CS]m-Sp-Im CXc m]-\
- Fnh Cu
hn`m-K
- n-emWv s]Sp-X
- v.
E nx n E +|iI | E
Vn, E x W E i E <i
Ei B Jb E +iMi +SU E-x{nx
E il 31 S 2010 E +x E E
Bhb +< +O .19,198 Ec {S M*
2009-2010 \nehnep hmbv]m hnXcW E E E +O E MM +v < Jhb E
\b-f
- pw amK-\ntZ-i
- fpw ]p\x-ch
- t- em+xiMi +i V { + +, =tM,
I-\
- n\v hnt[-ba
- m-n. dnkhv _mv Hm^v
Cy / tv _mv Hm^v Cy Fn-hb
- n i +E ii, E{] OE B +x
\np Ghpw ]pXnb \ntZ-i--
lx E k{h *
DsSpn 2010 P\p-hc
- n-bn _mns
\ne-hn-ep hmbv]m-\bw ]cnjvIcnp.
hmbv]-bpsS thK-nepw Ffp--n-epap hnX- c Ww eyw shp- s Imv
hkvXp-hns hne-\nWbw hne \nb
hnZKv[cpsS ]m\ Xbm-dm- Fn-hbpsS \b- ]cn-jvIc
- n-p.
Vx 2010 / B +< |{i

xxi xn E i Ei B E E
tx @h xi E {E { vi
E M* {k E Ex, ExEi+
]XnImbp kmnI \nb E S i Ex E xi E {vi
hn`mKw (PFU)
E M iE B ii @h ih
]XnIsfpdnv hniIe\w \Sp v E E*
Xn sshZKv yw t\SpXn\pw,
Cmcyn _mns X\Xmb ssien
cq]oIcnpXn\pw, h ]XnI
kmtXnI kmnI km[yXm
]T\ns A`mhw aqew \sSpXv
Hgnhmm\pambn _mn t{]mPv
^n\mkv bqWnv cq]oIcnp. Cu
hn`mKn, tZiob/AtZiob
{Vx k <E<
Empowering Women
Presentation of Embroidery Machine to
Lakshmi N. Menon Institute for
Empowerment of Women
awareness of the operating staff about the

scheme. Meetings of entrepreneurs were
also conducted to educate them about the
scheme. So far the Bank has covered 5,914
loans amounting to Rs.146 crore under the
scheme.
2.10.4. The Banks Technical Consultancy
Cell carried out 15 project appraisals,
rehabilitation studies and industry specific
studies during the year. 3 Entrepreneurship
Development Programmes (EDPs) were
conducted by the Bank during the year.
2.11 Commercial & Institutional

Finance
Despite the repercussions of global
recession during the year, the Bank
performed well under the segment by
tapping the potential in the market and C&I
advance of the Bank reached Rs.19,198
crore as on 31st March 2010. Almost half
of Banks Total Advances comes under this
segment, which comprises financing Trade
and Services, Industry, Infrastructure, financing
corporate customers and other institutions.
The existing loan policy of the Bank was
revised comprehensively in January 2010
by incorporating latest directives from RBI/
SBI. The policy on valuation of properties,
empanelment of valuers, etc has been
revised in order to improve smooth and
quick delivery of credit.
+iE {Vx Ex E E E
Ex + iExE +lE i (] < ) Project Finance Unit
E + E Eh +SU |i E l Project Finance Unit was formed in the Bank
xE Vx E x E B E {Vx in order to develop project appraisal skills
18
GPknIfpsS ]cntim[\bvv hnt[b

amIm sNdpInSCSc ]XnIsf
pdnp kmtXnI- kmnI
hniIe\w \Spp. 2010 amv
Ahkm\np kmnI hjn
1,125 tImSn cq] aqeyap 43 ]XnIfpsS
kmtXnIkmnI km[yXm ]T\w
\SpIbpmbn.
2.12 hyy[njvTnX [\-k-lmbw

`h-\h
- m-bv]I
- , hml-\h
- m-bv]I
- , hnZym`ym- k - h m- b v]- I
Fn- h bn- e qsS
hyy[njvTnX [\-k-lmb taJ-e-bn
_mv kPo-h ]v hln-psImncnpp.
hyy[njvTnX hmbv]-I 18 iX-am\w
hf t\Sn-smv 2009 amnse 10,722
tImSn cq]-bn \npw 2010 amnse 12,696
tImSn cq]-bmbn h[n-p. \S-p-hj-n
24517 `h-\h
- m-bv]I
- f
- n-embn 2,330 tImSn cq]bmWv hnX-cWw sNbvXX
- v. 2010 amv 31\v
6,144 tImSn cq]-bn `h-\-hm-bv]- Fn
\npp. 2009 amnse 4,858 tImSn F
\ne-bn \np-ap- 26.47 iX-am\w hf
tcJsSpn. kam-\a
- mbn CtX Ime-bf
- hn 24,121 Im hmbv]I
- f
- n-embn 741 tImSn
cq]-bmWv _mv \In-bX
- v. CtXmsS 2010
amv 31\v Imhmbv]I 1,324 tImSn cq]bmbn; CXv 2009 amnse 984 tImSn-bn
\npw 35 iX-am\w h[-\h-mWv tcJ-sSp-p--Xv.
ap hj-t-Xp-t]m-se-Xs
- , tIc-f
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Ghpw A[nIw hnZym`ymk hmbv]-I
A\p-h-Zn-Xv \psS _mm-Wv. tIc-fn BsI A\p- h - Z n hnZym- ` ymk
hmbv]I
- f
- psS 30 iX-am-\
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- nIw \psS
_mmWv A\p-hZ- n-X
- v. \S-p-hjw AlX-s hnZymYn-Iv hnhn[ tImgvkpImbn 14,611 hmbv]I
- f
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cq] \Ip-Ib
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XpI 24 iX-am-\
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aphjs 1,354 tImSn cq]-bn \npw
1,682 tImSn cq]-bn Fn-\np-p.
2.13 ]n-I-Pm-Xn--]-n-I-h--\yq-\-]-p [\-k-lmbw

]n-IP
- m-Xn, ]n-Ih
- , \yq\-] hn`m-Kp hmbv]m Bh-iy-mbn
km-n-Ik
- l
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- n _mv
Al-amb {][m\yw \In-hc
- p-p. ]n-IPm-Xn-]
- - n-Ih
- hn`m-K
- v apK-W\m
taJ-eb
- n 1,562 tImSn cq]bpw \yq\-]-hn-`m-K
- v 3,123 tImSn cq]-bp-amWv
hmbv] \In-b-Xv. apK-W\m taJ-e-bnep hmbv]b
- psS 10.77 iX-am\w ]n-IP
- mXn
]n-Ih
- K-n\pw 21.53 iX-am\w \yq\-
k <E< x< M<* =H <E<, U] + v

+E E {Vx+, VxE ]/+xi ]
Ji |{i +Eh u {xIh x E
M , E iExE + k Ex E
E Ei * S 2010 E {i {Vx
k <E< x . 1,125 Ec E 43 {Vx+
E v iExE +lE i (] < )
E +vx E *
in-house, and also to avoid good proposals

go past the Bank for want of Technoeconomic viability (TEV) study. The unit
undertakes Technical and Financial appraisal
of small and medium sized projects, which
have not been vetted by agencies of
national/international repute. During the
period ending March 2010, PFU has
conducted TEV study on 43 projects worth
Rs.1,125 crore.
2.12
2.12 Personal Finance
HE k
E, Ji& + @h, E @h B IE
@h E { HE Jhb E k |nx Ex
+{x Gi E J B * HE
Jhb +O 18% E r nV Ei B Mi
E {i { li . 10,722 Ec S
2010 . 12,696 Ec M* Ivx
+v E n x E . 2,330 Ec E MM
24,517 + @h |nx EB MB V 31
S 2010 E +x + @h E i .
6,144 Ec iE {S M, V S 2009
E . 4,858 Ec 26.47% E v +
* < |E x +v E nx .741
Ec E E 24,121 E @h |nx EB MB
l V 31 S 2010 E +x E E
@h i .1,324 Ec iE {S M, V E
S 2009 E .984 Ec 35% +vE *
{U E i, E x E V +vEi
J IE @h |nx E* E x E
Ei E @h J E 30% +vE J
@h |nx E* {]v x E n x, E
x {j Uj E z {`G i . 416
Ec E 14,611 @h E Ei n*
E E , Mi E . 1,354 24%
+vE r E l . 1,682 Ec M<*
2.13
+xSi Vi / +xSi VxVi /

+{ JE n (B )
E x +xSi Vi / +xSi VxVi /
+{ JE n E =vEi+ E @h
+Ei+ E {i E B k i
|nx Ex E =Si i nx V J *
|lEi |{i Ij E ii +xSi Vi /
+xSi VxVi E =vEi+ E E .
1,562 Ec il +{ JE n E
The Bank continued to be active in extending

finance to Personal Segment, mainly by way
of Housing Loans, Car Loans and
Educational Loans. The Personal segment
Advances went up to Rs.12,696 crore as
at March 2010 from Rs.10,722 crore as at
the end of the previous year, recording a
growth of 18%. As many as 24,517
Housing Loans aggregating Rs.2,330 crore
were extended during the period under
review, taking the outstanding Housing Loan
level to Rs.6,144 crore as at 31 March 2010,
an improvement of 26.47% over March
2009 level of Rs.4,858 crore. Similarly
24,121 Car Loans aggregating Rs.741 crore
were extended during the same period,
taking the outstanding Car Loan level to
Rs.1,324 crore as at 31 March 2010, which
is higher by 35% over March 2009 level of
Rs.984 crore.
As in the previous year, the Bank has
granted the maximum number of education
loans in the State of Kerala. The Bank
extended over 30% of the total number of
the loans sanctioned in Kerala. During the
year under report, Bank sanctioned 14,611
loans amounting to Rs.416 crore for various
courses to deserving students. The total
amount outstanding increased by over 24%
to Rs.1,682 crore from Rs.1,354 crore last
year.
2.13 Assistance to SC/ST/Minority

Community (MC)
The Bank continues to give due importance
in extending financial assistance to meet the
credit requirements of the SC/ST/MC
borrowers. The advance to SC and ST
borrowers under priority sector aggregated
Rs.1,562 crore and Rs.3,123 crore for MC.
19
] hn`m- K - p- a mWv hnX- c Ww

sNbvXX
- v. aphjw CXv ]n-IP
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- - nI-h hn`m-K-v 8.48 iX-am-\hpw
\yq\-] hn`m-K-n\v 17.55 iX-am-\hpw
Bbn-cp-p. apK-W\m taJ-eb
- n ]n-IPm-Xn-]
- - n-Ih
- hn`m-K
- v sImSp
hmbv ] - I - f n \njv { Inb Bkv X n 2.72
iX-am-\a
- m-Wv.
2.14 {Sj-dnbpw At-iob
CS-]m-Sp-Ifpw
\S- p- h js hmWnPy CS- ] m- S pIp samw hntZi \mWy-hn-p-hc
- hv, aphjs 33,582 tImSn- cq]bpsS
m\v 32,197 tImSn cq]-bm-Wv. _mpI Xn-ep CS-]m-Sp-If
- nse hnp-hc
- hv
aphjs 2,12,102 tImSn cq]-bpsS
m\v 3,66,209 tImSn cq]- b mbn
Dbp. Cu hjs hntZi \mWy-hn\n-ab {]h-\
- f
- n \np samw
em`w 77.91 tImSn cq]-bm-Wv. 2009 amv 31\v
Cu em`w 86.64 tImSn cq]-bm-bn-cp-p.
_mns Cshvsa v 2010 amv 31-\v
16,024 tImSn cq]-bm-Wv. 2009 amv 31-\v CXv
13,232 tImSn cq]-bm-bn-cp-p. 2009-10-se
icm-icn \nt]w 14,960 tImSn cq]-bm-Wv.
2008-09 CXv 11,922 tImSn cq]-bm-bn-cp-p.
\nt] {]h-\
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aphjw CXv 860 tImSn cq]-bm-bn-cp-p.
\nt-]--fn \np icm-icn hcpam\w aphjw 7.30 iX-am-\a
- m-bn-cp-Xv
\S- p- h jw 6.92 iX- a m- \ - a m- b n. Cu
dntmp Ime-b-f-hn \nt-]--fpsS
hnev]\
- b
- n \nv _mv 78.99 tImSn cq]
em`-ap-m-n.
2.15 Khsa v _nkn\v

_mv , tIcfnse 107 imJIfnepw,
Xangv\mnse cv imJIfnepw Kh
sa v _nkn\v \Sppv. IqSmsX 196
imJIfn (tIcfnse 136 imJIfnepw
tIcfn\v ]pdv 60 imJIfnepw)
UbdIv S v SmIv k pw tIcfnse 148
imJIfn CUbdIv S v SmIv k pw
kzoIcnppv . UbdIv S v SmIv k pw
CUbdIvSv SmIvkpw tIcf/almcm{
KhsapIfpsS tImtagvky SmIvkpw
kzoIcnpXn\v Ct]bvsa v kuIcyw
GsSpn. CXpaqew 2,360 tImSn cq]
aqeyap 2.62 ew Hm sse
CS]mSpI \SpIbpmbn. 200910
.3,123 Ec E +O n M* + V /
+ V V i E E |lEi |{i Ij +O
E 10.77% + + i E E |lEi
|{i =v E 21.53% * {U , E
E |lEi |{i Ij =v E +V / +VV
E v 8.48% il + E v 17.55%
l* |lEi |{i Ij E +iMi B / B
], =vEi+ E v +xVE {{k
E li, E 2.72% E *
2.14
VE B +xi ] {Sx
E n x hVE xnx (BCSV E{x
xnx i) E E E C ]x+
Mi E .33,582 Ec E ix .32,197
Ec l* +xi E ]x+ Vn V E
Mi E .2,12,102 Ec E ix
.3,66,209 Ec l* E nx C
{Sx E 31 S 2009 E li
E +x . 86.64 Ec E ix .77.91
Ec *
E E x 31 S 2009 E li E
+x .13,232 Ec E ix 31 S
2010 E +x . 16,024 Ec l il
+i x 2008-09 E nx .11,922
Ec E ix 2009-10 E n x .14,960
Ec l* x {Sx (V B )
V, Mi E .860 Ec E ix
E n x .1,105 Ec * 31 S 2009
E +x 7.30% E ix E nx
x { +i + E 6.92% { E
J M* {]vx +v E nx E x
VE {Sx . 78.99 Ec E
+Vi E*
2.15
E E
E E 107 J+ + ixb 2
J+ E E Si Ei *
<E + 196 JB (E 136 JB
+ E E 60 JB) |iI E (
b ]) Oi Ei + E 148 JB
+|iI E ( < ) Oi Ei * E
x |iI E + +|iI E E B il E
+ ] E E hV E E <-{x]
v | E * +x<x hV E Mix
v E | M E i B E 2,360
This works out to 10.77% of the Banks

priority sector advances for SC/ST and
21.53% of the Banks priority sector lending
for MC. In the previous year this was 8.48%
for SC/ST and 17.55% for MC of the Banks
priority sector lending. The non-performing
asset position in respect of SC/ST
borrowers under Priority Sector stood at
2.72% of the outstanding.
2.14 Treasury and International

Operations
Banks total forex turnover during the year
for merchant transactions (including
exchange company transactions) was
Rs.32,197 crore compared to Rs.33,582
crore during the previous year. Inter bank
turnover was higher at Rs.3,66,209 crore as
against Rs.2,12,102 crore during the previous
year. The total profit from forex operations
during the year was Rs.77.91 crore as against
Rs.86.64 crore as on 31st March 2009.
The Investments of the Bank stood at
Rs.16,024 crore as on 31st March 2010 as
against Rs.13,232 crore as on 31st March
2009 and the average investments during
2009-10 was Rs.14,960 crore as against
Rs.11,922 crore during 2008-09. The
revenue from investment operations
(interest and dividend) for the year was
Rs.1,105 crore as against Rs.860 crore for
the previous year. The average yield on
investments was at 6.92% during the year
as compared to 7.30% during the year
ended 31st March 2009. The Bank earned
a profit of Rs.78.99 crore from Treasury
Operations during the period under report.
2.15 Government Business

The Bank conducts Government business
in 107 branches in Kerala and 2 branches
in Tamil Nadu. Further, 196 branches (136
branches in Kerala and 60 outside Kerala
branches) collect Direct Taxes (CBDT) and
148 branches in Kerala collect Indirect Taxes
(CBEC). Bank has launched e-payment
facility for Direct and Indirect taxes and
Commercial Taxes of Governments of
Kerala and Maharashtra. As many as 2.62
lac e-payments aggregating Rs.2,360 crore
were made using the On-line Commercial
Tax payment facility. 14 Non Banking
20
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ampIbpw Ahsb AXmXp {_mpIfp
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iXam\ambn.
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hmbv]-Ifpw IqSp-X-embn \Ip--Xn\pw
\nt-]- in-s-Sp-p--Xn-\p-ap
_rl-mb Hcp {]Nm-cW ]cn-]m-Sn-bn-eqsS
IqSp- X - e mbn CS- ] m- S p- I msc km- Z nphm\pw CS-]m-Sp-Imcpw amt\-Pp-sap-ambp _w IqSp-X sa-s-Sp-m-\pap hn]-Wt- \m-Zy--a
- Hcp ]pXnb Xen- s e- n.
\psS
_nkn- \ v
hnnphm\pw D]-t`mr ASn-d
sa-s-Sp-p-hm\pw thn D-hI
- m-e
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Ec E 2.62 J <-{x] E M *
2009-10 E nx 14 M EM EM E
EM EM n n M + r
J+ E l Vc M* 2009-10 E
E E xnx E E {hi E E
V + 73.77% V 2008-09 72%
l*
3.
{hx { B xB =i{n E E
3.1
{hx { V E OE v |vx B
OE +Oh { Ii l, x E @h B
+x Jn @h E B {I|S Ex il
V+ E vx i c {x { +x
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3.2 A-Sn, Zriy, {imhy, sh_v am[y-a

-
hgn Xo{h-amb {]Nm-cW
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- c
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kmn-[y-n\pw {]I-Sa
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3. 2
3.3 sFiz-tcym--h--sNdpInS
3.3
hmbv]m {]Nm-cWw
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2009 apX 30 \hw_ 2009 hsc BZys
aqp hj- t v ]en- i - \ n- c v
amanmsX {]tXyI `h-\, Imhm-bv]m
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3.4 Fkv . _n.Sn atlmhw\nt]w

kamlcW bw: 2009 \hw-_, Unkw_ amk- - f n CASA \nt- ] - ,
ImUv tdv \nt-]
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hnn-pI F \nbX ey-hp-ambn
\hw_ 2\v XpSn 16 Unkw_ 2009
Imebfhn Fkv._
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\nt] kam-l-cW {]Nm-cWw \S-n.
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Bi - Jn @h +x: 17 +Mi
2009 30 x 2009 +h { E
={I |l ix E B nE V
n { + @h B E @h VxB
+ E M<* +SU i Mi |{i <
+x E Eh E E +xii& . 800
Ec E { E l 8,528 xB + @h
Ji B . 348 Ec E E { E l
11,269 xB E @h Ji *
3.4
B] i V Oh +x B
B B V+, Eb n V+ B B B B
Ji J+ + E gx E BE ]
I E l 2 x + 16 n 2009
E n x B ] i V Oh +x
S M* E E . 1,872 Ec E
V il 1.58 J x B B B Ji
=Mx i *
Treasuries have been converted as Banking

Treasuries and linked to the respective
branches during 2009-10. The market share
of the Bank in the total turnover of Kerala
State Government transactions for 200910 works out to 73.77% compared to 72%
in 2008-09.
3. Marketing Initiatives and

Development of New Products
3.1 Marketing initiatives aimed at customer
relationship management and customer
acquisition assumed a new dimension by
organizing massive campaigns for canvassing
Agricultural Loans and other retail loans,
and for augmenting deposits. Conducting
intensive drives during festive seasons was
one of the strategies adopted to enhance
the business level and customer base.
3.2 The marketing efforts were
supplemented by high intensity advertising
campaigns spanning print, audio, video and
web media. These efforts brought about a
palpable improvement in the image and
visibility of the Bank across the length and
breadth of the country.
3.3 Aishwaryotsav- Retail Loan campaign:
Special Home loan and Car loan schemes
were introduced in connection with Onam
festival from 17th August 2009 to 30th
November 2009, with differential interest
rate fixed for first three years. The well
received campaign ultimately helped the
Bank to bag 8,528 new Housing loan
accounts with an outlay of Rs.800 crore and
11,269 new car loans with a total outlay of
Rs.348 crore.
3.4 SBT Mahotsav deposit mobilization
campaign was celebrated during the period
between 2nd November and 16th
December 2009 with a specific target to
increase the share in CASA Deposits, Card
rate deposits and CASA account numbers.
It helped the Bank to mop up Rs.1,872
crore of deposits and 1.58 lac new accounts.
21
3.5 ]pXnb DXv]--fpw hn]-W-
3.5
x =i{n B E {
t\m-Zy-a-fpw
_mns {it-ba
- mb DXv]
-
- f
- p-sSbpw
]-Xn-I-fp-sSbpw Iq-n-tev Xmsg--dbp D]-t`mr kulr-tZm-Xv]--fpw
\S-p-hjn Iqn-t-sp:
E nx E E =i{n + Vx+ E
| Mni xxJi xB OE+xE =i{n E i E M*
<Vc ]b - b] B +x<x ]bM i m
<x x v - xx H +ii Ii
BEEi {] i) Si E / S / +b}]
Ji ii) b] Ji + iii) ]bM Ji*
v Vx 2009 + E M< l V OE
E E , E {{ i B
ZZ] i |G+ E l +x<x b] B
]bM Ji E Ex nn Ei *
v 58 J+ ={v *
EZ hym]mcw - Uoam-,v Hm sse hym]m-
c- n- \ p {Xo- C - - h kuI- c yw,

Db kpc-n-X-Xz-apXpw, DZv{K-Yn-Xamb kwhn[m\hpw Dsm-p-X
- mWv.
(1) tkhnwKvkv _mv / Id v / Hmh
{Um^vv Auv (2) Uoamv Auv (3)
t{SUnwKv Au-v Fnh DsSp
XmWv Cu kwhn[m\w. D]-t`m-m-v
Fhn-sS-\npw GXp ka-bpw t]
cln- X - a m- b n,
Bbm- k - c - l n- X - a mbn
Hmsse Uoam-v, t{SUnwKv Au-pI ssIImcyw sNp- - X n- \ p Cu
kwhn-[m\w 2009 PqWn-emWv Ah-Xc
- n-n-Xv. 58 imJ-If
- n Cu kuIcyw e`y-am-Wv.
\nt-]
- f
- psS sNehv Ipd-bvp-hm\pw
\nt-]--fn Id v Au-p-I-fpsS
hnlnXw Dbp-hm\pw Dtinv cv
]pXnb C\w Id v Au-p-Iv cq]w
\In. Ipd \on-bn-cpv 25,000/-- cq]bp "Fkv.-_n.-Sn. _nkv'; ôkv / hcnkwJym ]ncn-m kuIcyw {]Zm\w sNp, 25,000/-- cq] Ipd \on-bn-cpv XpIbp "Fkv.-_n.-n.-in''.
z V S Ji E +
E gx B V Mi E E Ex E B
. 25,000/- xxi E l ""B ]
W'' il . 25,000/- xxi E l
E/ +nx EiEi H ""B
] H'' + E M*
3.5 New Products & Business Initiatives

The following new customer friendly
products were added to the impressive
bouquet of the Banks products and
schemes during the year:
EZ Trade - 3-in-1 facility for Demat and
Online Trading, highly secure integrated
platform comprising i) Savings bank/
Current/Overdraft account ii) Demat
account and iii) Trading account. This
facilitates the customers to access their
Online Demat and Trading accounts from
anywhere, anytime with paperless and
hassle-free processes. This facility,
introduced in June 2009, is available in 58
branches.
SBT BIZ with Minimum Balance of

Rs.25,000/- and SBT Shakthi a special
Current Account with fee/subscription
collection functionality and minimum balance
of Rs.25,000/- were launched to enhance
the share of Current Accounts in the
Deposit Mix and to bring down the cost
of deposits.
Ex V Vx: E ] n xx
E B { 10 18 E + E Sukanya Deposit Scheme: A new deposit
kpI\y \nt-]
- Xn tZiob _men-Im- E+ E B BE x< V Vx + scheme was introduced exclusively for girl
Zn\w BN-cn-p--Xn-\mbn 10 apX 18 E M<*
child aged between 10 and 18 years to
hbkv hsc {]mb-ap s]Ip-n-Iv

am{X-am-bp \nt-]]
-
- X
- n.
B ] xx E EM xvx Vx:
]] ] . E l M`Vc Ex E
Fkv . - _ n.- S n. \mt\m- I m _pnwKv
^nwKv kvIow: satgvkv Smm tamtmgvkv n ]] xx E E EM i BE @h
enan-U
- p-ambn Icm-dn Gs tijw Smm Vx + E M< l V vh i {
\mt\m Im _pv sNp-X
- n-\p Hcp
hmbv]m ]Xn Ah-X-cn-n-p. CXn{]- 100% EM +O n M<*
Imcw efn-X-amb hyh--I-fn _pv

sNphm Bhiyamb apgp-h XpIbpw
hmbv] \Ip-Ibpmbn.
Fkv._
- n.-Sn. C-Cshv (ASBA): ]nIv
Cjyp-hn\v At]-np \nt-]-Isc
klm-bn-m-\mbn Fkv._
- n.n C-Cshv
F t]cn _mv Ah-Xc
- n-n DXv]
- am-WnXv "Bn-t-jkv ktmUv
ss_ tmvUv Fauv'. Atem-Svsa v
{]{Inb An-a-am-Ip--Xp-hsc \nt-]Is Au- n Cjyqhn\pthn
At]nt XpI - \ n- s - S pw.
Au-n \npw XpI am-s-Sp--Xphsc AXn\v ]eni e`n-p-Ibpw sNp-p.
XpI Au-n InS-p--Xn-\m \nt]-I\v do^-n-s\-p-dnv Bi-s
- -tS-X
- n-.
""B B B'' - ""+{Ex {]b <

Cb B=h]'' - E u B ] <-<x]
xE =i{n + E M V xE
E VxE xM E B +nx Ex
vVxE M * V iE +]x E +xi
{ n Vi i iE +nx E xE
E Ji E EE J Vi + V iE
< Ji +ii x Vi i
iE xE E +nx { V i
M* xE E vx { E Sxi Ex E
+Ei x M CE vx Ji {c
i *
commemorate National Day for the Girl

Child.
SBT Nano Car Booking Funding Scheme:
After entering into a tie-up with M/s Tata
Motors Ltd. a loan scheme for booking
TATA Nano car was introduced where
100% of the booking amount is advanced
on simple terms.
ASBA - Applications Supported by

Blocked Amount has been launched by
the Bank with the product name SBT eInvest, which facilitates investors to apply
for public issues. The application money is
blocked in the investors account till
allotment is finalised and the person
continues to earn interest on the application
money till the amount is transferred from
the account. The investor need not bother
about refund since money remains in the
account.
22
{x E B |xi B] x: . 5 J Prasanthi Elite Loan for pensioners: A loan

E +vEi E l ] M E {x scheme to cater to the needs of elite group
of pensioners has been introduced with a
E +Ei+ E { Ex E B BE @h
maximum limit of Rs.5 lac.
kzmKXw: BtKmf amy-ns ]m-- Vx + E M<*
{]imn Fssev F t]cn 5 ew cq]

hsc A[nI ]cn[nbp hmbv]m ]Xn
IqSpX s]j e`nphp thn
cq]w \In.
Swagatham A scheme for returning nonresidents - In the backdrop of a large

number of non-resident Keralites returning
due to the global recession, the Bank
introduced a scheme to provide financial
assistance to enable them to take up
manufacturing, service, trade and agriculture
activities. The scheme has generated a lot
of goodwill for the Bank amidst the
expatriates.
e-n H-\h
- [n {]hmkn tIc-fo-b \mntebvv aS-p--Xns ]m--e-n
Bhn-jvI-cn-, aS-n-sb-p {]hm-knIp ]-Xn-bm-Wn-Xv. As\ hcp-hv \nam-W, tkh-\, hym]m-c, ImjnI
taJ- e - I - f n {]hr- n- I - f n- t es- S m
th [\klmbw Cu ]Xn {]Zm\w
sNp-p. {]hm-kn-In-S-bn _mn\v
Htsd ktcv km-Zn-phm Cu ]Xn-bvm-bn.
FIvkv{]kv sdanv Fkv.-_n.-sF. Pn.F.Fp-ambn tNv hntZ-i-\m-Wbw

Hmsse-\mbn Ab-bvp-X
- n\v Gs-Spnb kwhn-[m-\w. CXp-]t- bm-Knv Ata-cn-bnepw {_n-\n-epap CS-]m-Sp-Imv
"Btm-ta-Uv nb-dnwKv lukv' kwhn-[m-\n- e qsS GXp ka- b pw Ah- c psS
Iw]yq- hgn Fkv . - _ n- n. Au- ntebvv ]Ww amp-X
- n\v Ign-bpw.
Mi - { ]x +x i
Vx - n E Eh +vE J
+x E E { ]x E {`
, E x xh, , { + E
Miv E Ex =xE l xx E
B k i |nx Ex i BE Vx
+ E* < Vx x | E S
E E B +SU J x< *
hniz bm{Xm t^mdn {Smh ImUv

(VYFTC) - tv _mv Hm^v Cybpw
"hnk'bpambn tNv 13 \hw_ 2009\v
hntZibm{Xmcmb CS]mSpImv hntZi
Idkn, {Shtegvkv sNv Ch sImp
t]mIpXn\v ]Icw IqSpX kuIcy
{]Zhpw kpcnXhpamb hnizbm{X
hntZibm{X ImUv ]Xn DLmS\w
sNbvXp.
XPRESS Remit, a new online remittance

facility in Foreign Currency, introduced by
the Bank in association with SBI GLS, enables
customers in US and UK to make
remittances from their desktop, round the
clock to their account with SBT, through
Automated Clearing House (ACH)
mechanism.
E u B +< V B B E Vx
+ E M< n p +x<x |h
E BE x< v "BC| ]' B il
E E OE +{x bE]{ i-nx, Si
vx M (B BS) ij E v B
] E +{x Ji |h E Ei *
j n j Eb ( < B ] )
- E x, n Vx OE E M E
{ Ex il =xE n p/j SE J
Jx E n vVxE Ei B +vE
Ii E{ |nx Ex E B, i ]]
E + E M E l n. 13 x
2009 E < B ] + E *
3.6 CeIvt{SmWnIv t]bvsa v
knwkv
3.6
CeIv t {SmWnIv
am[ya
hgn
]WanS]mSp \SpXns\pdnv
CS]mSpImsc IqSpX t_m[hm
amcmpXn _mv hnPbnp. _mpI
Xnepw dnkhv _mpambpw RTGS/NEFT,
{Kqv t]bvsa v XpSnb CeIvt{SmWnIv
]WanS ]mSpIfpambn _s
XomepI ssIImcyw sNpXv
apssbnep Ct{KUv {Sjdnbn
{]hnp t]bv s a v B v
sknsa v {KqmWv. CeIvt{SmWnIv
t]bvsapambn _sv {_mpIfn
\nv t]mIp kti 74,617 \nv
100.32 iXam\w hftbmsS 200910
hjn 1,49,471 Bbn Dbp.
OE BC] xE v E |h E ={M
Ex E |i VMEi gx E l
* BEEi ], < Ei Mix B
x{]x , + ] V B/Bx < B ] V
BC]xE |h il V + { ] xnx
+ E +x E/ E E S xv
E x{]x E E Ei * E nx
J+ V M VE BC]xE xn
(+ ] V B/Bx < B ]/V + { ]) E
J 100.32% r nV Ei B 74,617
1,49,471 M<*
BC] xE Mix |h
Vishwa Yatra Foreign Travel Card

(VYFTC) Bank has introduced VYFTC
th
on 13 November 2009 in association with
State Bank of India and VISA to meet the
demands of customers going abroad and
to provide a convenient, cost effective and
more secure alternative to carrying foreign
currency / travellers cheques.
3.6 Electronic Payment Systems

The Bank has been able to bring about
better awareness among the customers on
using electronic mode of remittances. The
Payment & Settlement Group functioning
at Integrated Treasury, Mumbai, attends to
electronic remittances like RTGS/NEFT and
Group Payment [GRPT] transactions and
the funds settlement between the Bank and
other Banks/RBI. The total number of
outward electronic messages (RTGS/NEFT/
GRPT) emanating from branches has
increased from 74,617 to 1,49,471
registering 100.32% increase during the year.
23
3.7 \ne- h n- e p- ]- X n- I - f nse

t`Z-K-Xn-Ifpw/Iqn-t-ep-Ifpw
CS-]m-Sp-Imv IqSp-X kzoIm-cy-am-hp-Xn-\p-thn hn]-Wn-]T
- \
-
- f
- p-sSbpw CS-]mSp-Im-cn\npw imJ-I-fn \np-ap
A`n{]mbepw \ntifpw A\p-kcnv Nne ]-Xn-I-fn t`Z-KXn hcp-pIbpw \ho-Ic
- n-p-Ibpw sNbvXp.
3.7
tx Vx+ +x +vx/{vx 3.7 Other modifications/ additions in
tx Vx+ +x +vx / {vx

W +vx + J+ OE
|iSx E +v { E n x Vx+
+vx / v E M iE <xE OE
E i Ei E*
hn]-coX ]W-bs
- -Sp- ]Xn Fm
imJ-If
- n-tebvpw hym]n-n-p.
|i vE @h E i J+ E
E M*
existing schemes
Based on market studies and the feedback
received from branches as well as customers,
some of the schemes were modified/
revamped during the year, to facilitate better
customer acceptance.
"kphn[' hmbv]m XpI-bpsS ]cn[n Hcp

tImSn cq]-bmbn Dbn.
Imhm-bv]b
- psS ]c-am-h[n XpI 30 ew
cq]-bmbn h[n-n-p.
v @h E E gE .
Ec E n M*
E @h +vEi @h E .
J iE g n M*
30
Reverse Mortgage Loan Scheme extended

to all branches.
Suvidha Loan amount limit increased to

Rs.1 crore.
Maximum loan amount in Car loan

enhanced to Rs. 30 lac.
"kq kkv' ]-Xn-bnse \nt]

]cn[n Hcp ew cq]-bmbn h[n-n-p.
tIm-tdv kmedn ]mtPv {]Imcw `h\- h m- b v ] - I ,

Im
hmbv ] - I ,
hyy[njvTnX hmbv]-I Fn-hbvv
ImUv tdn\npw 0.25 iX-am\w Cf-h\p-h-Zn-p.
tlmw A- b kkv Uotegv k v kv ,

Unkv{Sn-_yq-tgvkv kv Fo hmbv]m ]XnIp ]eni \ncv Ipd-bvp-Ibpw
tbmKyXm am\-Z-WvU- Cfhp sNpIbpw sNbvXp.
^mam-kv ]-Xn-bpsS Db ]cn[n 200

ew cq]-bmbn Dbp-Ibpw sNbvXp.
{ { Vx V E +vEi
E g E . 1,00,000/- E n M*
The maximum amount of deposit in Super

Surplus scheme increased to Rs.1,00,000/.
E{] ix {EV E +xiMi + @h,

E @h B HMi @h E Eb ] { Interest concession of 0.25% on card rate
on Housing loans, Car Loans and Personal
0.25% V i n M<*
Loans under Corporate Salary Package.
"" +{B b {, b]] {

Home Appliances Dealers Plus and
il {'' VxB - V n E]i
Distributors Plus schemes - reduction in
+ {ji xnhb U]
interest rate and relaxing the eligibility criteria.
"" {'' Vx E B . 200 J Upward revision of limit cap to Rs.200 lac

E{ <x ] =vM vx E n for Pharma Plus scheme.
M*
Warehouse receipt financing for farmers

and traders engaged in Produce marketing
- the maximum cap per borrower under
the scheme for financial assistance against
warehouse receipt issued by National Bulk
Handling Corporation increased from Rs.2
crore to Rs.3 crore.

shblukv sdko]vv ^n\mknwKv

D] hn]-W-\-n Gs-n-cn-p
Ij-I-tcbpw hym]mcn-I-tfbpw klm-bnp- - X n- \ p ]- X n. NBHC \Ip
shblu-kv cko-Xns ]W-b
- n [\k-lm-bw-\Ip Cu ]-Xn-bn ]c-amh[n ]cn[n cv tImSn cq]-bn\npw
aqp tImSn cq]-bmbn Dbn.
Mn n k{h : =i{n {hx Ex

Ex + { E i E B
Bx BS u V Mn n { k
i i |i =vEi +vEi E{ E .
2 Ec fE . 3 Ec E n M*
Ex E i E B J i
Ij-Isc klm-bn-m-\mbn {]tXyI Vx : J B EW xx |i
hcm Zpcn-Xm-izmk ]-Xn. hcbpw Ex E i Ex E B P] V n
Zp_-e-amb agbpw aqew Zpcn-X-n-emb B ii SEi +v H P S<
Ij-Iv klmbw {]Zm\w sNm-\mbn
sNdp-InS Pe-tk-N\ ]-Xn-Iv Ipd @h*
]eni \nc-nepw \o hmbv]m-Xn-cn-S- hv
EW xx |i Ex E nn
Ime- b - f hpw Ddv hcp- p ]- X nEx E B P] V n { @h |nx
Bhnjvcnp.
Ei B i E Ph E M<*
Zp_eamb
agaqew ZpcnXnemb
IjIv ]eni\ncn Cfhp \In
{lkzIme hmbv]I A\phZnp.
t{StUgvkv kvs]jy ]Xn \hoIcnp
Special Drought Relief Scheme to help the

farmers affected by drought and weak
monsoon - Minor Irrigation Loan with
reduced interest rate and extended
repayment periods.
Special concessions to support the

farmers who have been affected by weak
monsoon by extending crop loans at
reduced interest rates.
]b { E + bC] { Vx+
V n {ix =SS @h E l The Traders Special scheme modified to
improve the quality of assets
vx E M*
24
W +{x =i{n E ` xx E B Doctors Special modified with interest rate

W li E +x{ n J-{j Vx E changes and higher loan amount.
Interest rate and charges on Bill Discounting
_mns DXv]w hn]-Wn-bnse Ghpw +xiMi bE=]M { V n B |
under
Inland Letter of Credit Scheme
\-Xm-m-\mbn CeUv se Hm^v vx E M*
tUmIvtSgvkv kvs]jy ]-Xn-bpsS ]eni-\n-cv t`Z-KXn sNp-Ibpw hmbv]m XpI
Dbp-Ibpw sNbvXp.
s{IUnv ]- X nbv v Iogn _n

Unkv I u- nw- K n- \ p ]en- i - \ n- c pw
NmPpw hn]Wn kml-N-cy--\p-kcnv \ho-Ic
- n-p.
RTO bvv hmbv] \Ip-X

- n-\p A\p-
_ CuSv hyh-I
- DZm-ca
- m-n.
3.8 Icm kwhn-[m-\-

_nkn-\kv \ne-hmcw Dbp-X
- n\pw CS]m-Sp-Im-cpsS Fw h[n-n-p--Xn-\pambn hnhn[ D]m-ZI
- / hnX-cW
-
- m /
kwL-S-\-I Fn-h-bp-ambn ]m-fn
kwhn-[m-\
- Gs-Sp-n-bn-p-v.
+ ] + E =v i lE Vxi
xnb E =nEi x n M*
Collateral security norms for lending to

RTO liberalized.
3.8
M`Vc lB
E i v + ii OE +Oh 3.8 Tie-up arrangements

i E E z xi+ / b / M`x The Bank has tie-up arrangements with
E l M`Vc lB *
various manufactures/dealers/ organisations
i VE <b .: E E i E
E Jn E B k |nx Ex i +vx
k{E E { i VE <b . E
amcpXn kpkpIn Cym enan-U
- p-am-bp l M`-Vc * E x i E E B
]m-fnw: amcpXn Imdp-I hmp-X
- nM E +vEi @h |nx EB* E
\p hmbv] \Ip-X
- n-\mbn apK-W\
- bp hmbv]mm]\amWv \psS _mv. u |nx EB MB 15,667 =H @h,
A\p-_ _mp-In-Sbvv amcpXn M E u E |nx EB MB B
Imdp- I hmp- - X n\v G- h p- a - [ nIw
hmbv] \In-bXv \psS _mm-Wv. C{]- @h E 30% + Mi E ix
Imcw _mv \Inb 15,667 hmbv]-I, 46% E v ni *
A\p- _ _mp- I Fmw tNv

\Inb hmbv]X
- p-Ib
- psS 30 iX-am-\a
- m-Wv.
aphjs At]-nv 46 iX-am\w
h[-\b
- m-WnXv ImWn-p-X
- v.
revised in line with the market condition to

make the product the best in the market.
for improving business levels and accelerated

customer acquisition.
Maruti Suzuki India Ltd.: The Bank has a
tie-up with Maruti Suzuki India Ltd. as
preferred financier for extending finance for
purchase of Maruti cars. The Bank has
extended maximum loans for Maruti Cars
among Associate Banks. The 15,667 such
loans extended by the Bank constitute 30%
of such loans extended by all the Associate
Banks put together and represent an
improvement of 46% over the previous
year.
b < ] <b : E x b < E E

Jnx E B k |nx Ex i +vx
k{E E { b < ] <b . E
lypmbv tamtmgvkv Cym enan-U
- p-amHyundai Motors India Ltd.: The Bank
l M`Vc E*
bp Icm: lyqmbv Imdp-I hmm
entered into a tie-up with Hyundai Motors
hmbv]-\Ip--Xn-\p apK-W-\-bp
xp Bhb xp : E x xp Bhb India Ltd. as preferred financier for extending
hmbv ] mm]\w F \ne- b n
lypmbv tamtmgvkv Cym enan-U
- p-ambn xp E {xV Mc Jnx E B k finance for purchase of Hyundai cars.
Icm-dn-tes-p.
|nx Ex i +vx k{E E { Mahindra & Mahindra Ltd : The Bank has
alo{m & alo{m enan--Up-am-bp xp Bhb xp . E l M`Wb E* entered into a tie-up with Mahindra &
Icm: alo{m & alo{mbpsS bm{Xm-hml- \ - hmp- - X n- \ p- t h hmbv ]

\Ip apK-W\m hmbv]mm]\ambn
_mv alo{m & alo-{-bp-ambn Icm
m]n-p.
E hVE b =tM BE Oh =t
E { g * Ex E n x i {
n E { x x {ci , V M * <
E`x< x{]x E B E +xiMi
hymhkmbnImSnm-\
- n-ep otcmXv]m-Z\w tIc-f
- n Hcp {KmaoW kwcw- Vx E-+{] E |b xx
`-sa \ne-bn Nph-Sp-d
- n-p-Ib
- m-Wv. Id- (B + B { ) x b <b E
h-bvmbn Ij-Iv s{]m^-jW
- Idl, Ij E b Ex E i n
h-msc B{i-bn-t Ah--bm-WpXv; CXv sNehv Iqp-p. Cu {]iv\n\v { n x x ih Ex i Zi E*
ia-\a
- p-m-m-\mbn anabvv Iogn-ep E x < M`Vc E +xiMi n x x E
ae-_m doPy-W tIm-Hm-t- d-ohv anv
s{]mUyq-tkgvkv bqWn-b (MRCMPU) ae- k{h Ex i BE Vx x< *
Mahindra Ltd. as preferred financier for

extending finance for purchase of passenger
vehicles of M&M.
Commercial dairying is picking up as a
rural enterprise in Kerala. The farmers have
to depend on professional milkers for
milking, which is costly. To mitigate the
difficulty, Malabar Regional Co-operative
Milk Producers Union (MRCMPU) under
MILMA has entered into an agreement with
M/s De Laval India to deliver milking
25
_m {]tZ-is oc-Ij-Iv Ipd

\nc-n Id-hb
- {w Fn-p-X
- n-\mbn
satgvkv tZe-h Cy-bp-ambn Icm-dntes-n-cn--bm-Wv. Cu Icm-dns `mKambn Id- h - b - { - v [\- k - l mbw
\Ip-X
- n-\p Hcp ]-Xnv _mv cq]w
sImSp-n-cn-p-p.
4. t{Imkv sknwKv
4.1 Cjz-dkv, ayq ^v XpS-nb
av \nt] amK-m-bp R-fpsS
D]-t`m-m-f
- psS Bhiyw \nd-th-p-X
- n\mbn _mv Cjzdkv, ayq ^v
I\nIfpambn Icm-dp-I-fn-eqsS {ian-psIm-n-cn-p-Ib
- m-Wv. Acw {]hr-n-Ifn \np hcp-am\w _mns ]en-itb-Xc hcp-am\w sa-s-Sp-m klm-bnn-p-v. 2008-09se 9.63 tImSn cq]sb At]nv 2009-10 km-n-Ih
- j-n 2.70
iX-am\w h[-\-thmsS 12.19 tImSn cq]bpsS hcp-am-\a
- mWv _mn\v t{Imkv sknwKn \npw e`n-X
- v. 43 iX-am-\
- n-e[
- nIw
h[-\t- hmsS Fkv._
- n.-sF. sse^v Cjzdkv _nkn-\kv KWy-ambn sa-s-p.
bpssW-Uv Cym Cjz-dkv I-\n-bpam-bp Icm {]Im-ca
- p P\-d Cjzdkv _nkn-\kpw AXn\n-p hcp-am\hpw 1.70 iXam\w hfv tcJsSpn.
Fkv._
- n.Sn. bqWn kpc F 5 ew
cq] Cjzdkv XpI e`np, A]-IS
Cjz-dkv ]Xn hf-sc-tbsd P\-{]oXn
]nSn-p-]- n. t]mfnkn DS-aI
- f
- psS acWw aqeap sbnwkv Hp-Xqm-e
- n-eqsS 37-e-[nIw IpSpw-_
- v (`qcn-`m-Khpw ]mhs-h
- c
- mWv) {]tbm-P\
- a
- pmbn. Cu ]Xn-bneqsS Ih-tdPv e`n-p-h
- c
- psS Fw
cv ew Ign-p. Fkv._
- n.-sF. ImUn\m-bp At]-I
- \psS imJm-irwJ-eh
- gn kzoI-cn-m-\p {ia- ]ptcmK-an-p-sIm-n-cn-p-p.
4.2 \S-p-hj-n _mv Poh-\
- m-cn
244 t] ]cn-io-e\w t\Sn, ayqNz ^pI ssIImcyw sNm A[n-Im-c-s
AMFI kn-ssÛv Fwtm-bokv (ACES) 812
Bbn amdp-Ibpw sNbvXp. Fkv.-_n.-sF.
sse^v Cjz-dkv _nkn-\v sa-s-Spp--Xn-\mbn \nc-h[n Poh-\-m-tcbpw
Hmô-kam-tcbpw _mv ]cn-io-en-n-p.
_mn- 902 Poh\m CIF Bbn
]cnioe\w t\SnbnpXn 171 t]sc Cu
kmnI hjamWv ]cnioennXv.
CtXmsS Fm {_mp-If
- nepw Hcp ACE bpw
CIF Dw Dm-hpI F ey-tmSv IqSpX ASp-p-Ib
- m-Wv.
4.
|i G
4.1
E, OE E , S+ b
+n +x x Sx E +Ei E {
Ex i M`Vc l+ E v |
V J * B Miv |{i +
E E M-V + v + * |i
G + 27 |ii +vE v
+ + k 2008-09 .9.63
Ec k 2009-10 .12.19 Ec
M* B +< < <x E
43% +vE { v +* x<]b <b
< E{x E M`Vc xx < E
{hi il = =i{z + i 1.7%
r nV <* nP]x { B ] x
I . 5 J E nP]x i E E E
E|i * 37 +vE {, +vEi&
xvx {, {vE E xvx =i{z
n E x{]x |iE { xi B
* B { E J 2 J +E E {
E M<* J+ E v B +< Eb
i +nx E M v Ex i |
V *
4.2
E n x E E 244 ] n E
|Ii E M + =xx B B B +<
]<b B{< (B <) E { Mi
|{i E V B < E E J
812 M< + S+ b E E nJx
E B |vEi * B +< < E
v Ex i, E x E< ES /
+vE E |Ii E * 902 ]
n x ]<b < ]] ( +<
B) E { Mi |{i E V
{]v x k E n x Mi |{i Ex
E J 171 * <E l E
J+ BE B < B +< B x E
=q E xE] {S M *
machines at discounted rate to the dairy

farmers of Malabar Region. The bank has
formulated a scheme for financing of milking
machine under this tie-up.
4. Cross Selling
4.1 The Bank continues to make efforts to
meet the needs of the customers for other
investment channels like Insurance, Mutual
Funds etc through tie-up arrangements. The
income from such activities has also served
to improve the Non-Interest income of the
Bank. Income from Cross selling has
improved by more than 27% from Rs.9.63
crore in FY 2008-09 to Rs.12.19 crore in
FY 2009-10. SBI Life Insurance business
improved substantially by more than 43%.
General Insurance business turnover in tieup with United India Insurance Company
and income generated thereon have
marginally gone up by 1.7%. The Accident
Insurance policy, SBT Uni Suraksha, carrying
Accident Death Cover of Rs.5 lac, has gained
more popularity. More than 37 families,
most of them poor, have benefited from
settlement of claims arising out of death of
policyholders. The number of such policies
issued has crossed 2 lac. Efforts are afoot
to improve sourcing of applications for SBI
cards through the Branches.
4.2 During the year as many as 244
members of Banks staff were trained and
qualified as AMFI Certified Employees
(ACEs) authorised to handle Mutual Funds,
taking the total number of ACEs to 812.
In order to improve the SBI Life business,
Bank trained several employees/officers.
There are as many as 902 employees
qualified as Certified Insurance Facilitators
(CIFs) out of which 171 employees qualified
during the FY under report. With this the
Bank has moved closer to the objective of
having an ACE and a CIF each in all
branches.
26
4.3 ISw hmn-bh

- c
- psS A{]-Xo-nX acWs XpSv Xncn-S- hv ]nI {]Imcw
AS-bvm-\p hmbv] XpIbvv kwcWw \Ip--Xn-\mbn Fkv.-_n.-sF.
sse^ns "[\c' hmbv]m-kw-c-W
kwhn-[m-\
- ns ASn-m-\
- n \S-phjw 1,50,000 `h-\,- Im hmbv]I
- kwcn-s
- -p.Cu ]Xn hmbv]m Auv
\njv { Inb Bkv X n- b mbn amdp- Xv
XSpsImv ac-WZ- pxJw A\p-`h
- n-p
IpSpw-_
- n\v Bizm-ka
- mbn amdp-Ib
- m-Wv.
4.4 "{Kmao in' F t]cn Hcp
kqva Cjz-dkv DXv]w Ah-Xc
- n-np. kzbw klmb kwL-f
- nse hmbv]m-cm-bh
- v, hj-n 601 cq]m, am{Xa-S
- p-sImv 50,000 cq]-bpsS sse^v Cjzdkv kpc Inp ]-Xn-bm-Wn-Xv. 5,000
hmbv ] m CS- ] m- S p- I mv Cu tkh\w
e`npp.
5. {]hmkn tkh-\
-
5.1 NRI _nkn- \ - nse tIc- f - nse
hn]Wn t\XrXzw hln-p Fkv._
- n.Sn
{]hm-kn-Ip kvIoapIfpw tkh-\fpw sa-s-Sp-m-\mbn \nc-cw {ianp-sIm-n-cn-p-p. kmt-Xn-Ih
- n-Zy-bn-e[
- njvTn-X-amb Fm DXv]--fpw tkh-\fpw {]hm-kn-Ipw e`y-am-n-sm-ncn-p-Ib
- m-Wv. temI-ns GXp `mK-p\npw Ah-cpsS {]nb-s _mmbn Fkv._n.-Sn-bp-ambn CS-]m-Sp-I \S-p--Xn\v
thn-bm-Wn-Xv. 2008 BK-n Zp_m-bn
Bcw-`n {]Xn-\n[n Hmôk,v _mns
imJ-Ifpw, _mnwKv Bh-iy-f
- p {]hmkn- I fpw
Xn- e p
Inbmbn
{]hnp hcp-p. K^v tImHm-tdj Iukn-ense (Pn.-kn.-kn) hnI-kzchpw DuP-kz-eh
- p-amb cv cmPy-f
- mb
bp.-F.-C.-bnepw kpm-t\v Hm^v Ham\nepw Fkv . - _ n.- n- b psS tkh- \ -
AXns FIvkvtNv I-\n-If
- mb knn
FIv k v t Nv F- F kn (bp.- F .- C .)
tm_ aWn FIvkvtNv (kpm-t\v
Hm^v Ham) Fn-hb
- n-eqsS e`y-am-Wv.
5.2 kao-]I
- m-ev hnI-kn-n-s-Sp NRI
PLATINUM F Auv Db aqeyap \nt-]I
- n-Sb
- n anI {]Xn-Ic
- W-amWv Df-hm-n-bn-p-X
- v. Cu DXv]w
CS- ] m- S p- I mv khn- t ij ]cnKW\
\Ip-Ibpw Htsd tkh-\
- kuP-\yambn {]Zm\w sNp-Ibpw sNp-p. Fm
{_mp-If
- nepw kokv NmPv CmsX
amdm- h p _lp- - \ - K c sNp- I fpw
kuP\y Cjz-dkv {]Zm\w sNp
Fkv._
- n.-n. tKmUv ImUp-amWv Cu DXv]-ns khn-ti-jX
- I
- .
4 .3
E x B +< < u ={v

vxI, V =vEi E nM i Vx
E li SEi EG E +x E
@h E E Ei , @h Ih v E
+xiMi 15,000 +vE Eb J +
+ E @h E E* Vx |
fM @h Ji E nOi / +xVE +i
xx E x E l Exi{i { E
nn ni *
4.4 Oh H, BE <G < =i{n V
. 601 E E xj Mi {
i (B BS V) =vEi+ E .
50,000 iE E B < E Ei , E
+ E M + {hx E M
V 5,000 =vEi xi M *
5.
Bx + +<
5.1 B ], E Bx + +< E
E E] b, Bx + +< E |nx EB
Vx +{x =i{n + + xxi
v Ei * |tME +vi =i{n
+ Bx + +< E ={v E M<
iE M E E Ex =xE +ii
+vx E E l EM E E* +Mi
2008 n< J M |ixv E,
J+ + Bx + +< E S =xE EM
+Ei+ E { Ex E B BE {E E
{ E E * E E ii B,
M E-+{x E= (V ) E n
Vi B E n B < il ixi
+ +x +{x Si BCSV E{x
+li B < ] BCSV B B il
ixi + +x M x BCSV E
v ={v *
5.2 Ei =i{n "Bx + +<
{]x' Ji E =SS x i Bx +
+< u +SU Mi E M CE
=i{n OE E {Sx |nx Ei
+ E< B x&E |nx Ei * HMi,
J+ { n ]] SE
il "xl |nx Ex B ]
Mb Eb () < =i{n E J ]i
*
4.3 Bank covered a record number of more

than 15,000 Housing and Car Loans during
the year under Credit Protection facility of
Dhanaraksha provided by SBI Life which
covers the loan outstanding as per
repayment Schedule in the event of
unfortunate death of borrowers. The
scheme effectively provides succour to the
bereaved family while preventing the loan
account from becoming a stressed/nonperforming asset.
4.4 Grameen Shakthi, a micro Insurance
product, which covers the life of SHG
borrowers to the extent of Rs.50,000 at a
nominal cost of Rs.601 per annum, was
also launched and marketed to benefit
5,000 borrowers.
5. NRI Services
5.1 SBT, the market leader in NRI business
in Kerala, has been continuously improving
its products and services to NRIs. All
technology based products and services
have been made available to NRIs also, so
that they can bank with their most preferred
bank, SBT, from any corner of the globe.
The Representative Office in Dubai, opened
in August 2008, is acting as an interface
between branches and NRIs to meet their
banking needs. Banks extended arms are
available in UAE and Sultanate of Oman,
the two vibrant and developing countries
in the Gulf Cooperation Council (GCC),
through the Bank managed Exchange
companies, viz., City Exchange LLC in UAE
and Global Money Exchange in Sultanate
of Oman.
5.2 The recently developed product, NRI
PLATINUM account, has been well
accepted by high networth NRIs, as the
product provides special identity to
customers and a host of services free of
cost. Personalized multicity cheque payable
at all branches at par and SBT Gold
International Debit Card (VISA) that
provides complimentary insurance are the
special features of the product.
27
5.3 K^v \mSp-If

- n \np thK-nepw
kpc-n-X-ambpw ]Ww Ab-bvp--Xn\v
_mv kz-ambn hnI-kn-n sh_v- A
- [
- njvTnX kwhn-[m-\a
- mb aWn {Smkv C-sdan-v, CS-]m-Sp-Imcpw FIvkvtNv I-\nIfpw Hcp-t]mse kzmKXw sNbvX khn-tij-amb Hcp kwhn[m\amWv. A]vtemUv
sNbvX DSXs Auntev hchp
hbvphm Cu ]mtPv klm-bn-p-p.
Cmcyw CS- ] m- S p- I msc Fkv . - F w.- F mtbm C-sa-bn-emtbm Adn-bn-p-Ibpw
sNpw. _mp-ambn t{UmbnwKv kwhn-[m\-ap 25 FIvkvtNv I-\n-Ifn Cu
kwhn-[m\w e`y-am-n-bn-p-v. \ne-hn-ep
kzn^vv sdan-kv, dpo t{UmbnwKv kwhn-[m\-v ]pd-sa-bmWv Cu kuI-cyw. Csdanv
kwhn[m\w hgn 200910 Imebfhn 24.36
ew CS]mSpIfneqsS 9,826 tImSn cq]
hcpIbpmbn. 200809 Imebfhn 13.46
ew CS]mSpIfneqsS 5,929 tImSn
cq]bptSXmbncpp.
5.3
E u +i Jc n |h i
+vi ii B Ii v x ]x
<-] BE +ui =i{n V OE +
BCSV E{x E E {xn +* <
Vx E v EB MB |h, v +
+{b Ex E n E E l li Ji
ixi {S Vi + B B B / <- u
|hEi E {i n Vi * v 25
BCSV E{x E ={v E< M< VxE
l +h lB * v, tx
{ b}] +h v + }] |h E
+iH * <-] E v EB MB |h
E J, 2008-09 E nx li E .
5,929 Ec E 13.46 J E ix 200910 E . 9,826 Ec E 24.36 J
|h *
5.3 The MoneyTrans e-Remit, a web based

fast and secure facility for remittances from
Gulf countries, introduced by the Bank is a
unique product well received by the
customers and Exchange Companies. The
remittances through the scheme will reach
the accounts with the bank directly,
immediately on upload and will be
acknowledged by SMS/email to the
remitter. This facility has been extended to
25 exchange companies that are having
drawing arrangements with the Bank. This
facility is in addition to the existing Rupee
draft drawing facility and Swift remittance.
Remittances through e-Remit numbered
24.36 lac aggregating Rs.9,826 crore during
2009-10 as against 13.46 lac aggregating
Rs.5,929 crore during 2008-09.
5.4
Bx.+.+< E . 5,000 E V
+ . 25,000 +vE E x E
{i B B B u n Vi * E u
={v E< M< <h]x] v Bx + +<
E E E +xiMi + i +x E E
il +x {I +ih E xv E +ih Ex,
z Mix E B =xE l +xn E
{x Ex, EM, E Mix il +x<x
{M Ex nn ni * <E M
+{x Ji + xnx nJ Ei *
5.4 All credits of Rs.5,000 and all debits

above Rs.25,000 are acknowledged
through SMS to NRIs. Internet banking
facility offered by the bank enables the NRIs
to effect transfer of funds within the Bank
as well as to other banks in India and also
third party transfers, carry out their standing
instructions for various payments, rail
bookings, fee payments, and also online
shopping. It also enables them to view
their accounts and transactions.
5.5
Bx + +< E B ={M, =i{n +

5.5 {]hm- k n- I m- b p kv I oapI, +, V n +n E v i{h
tkh-\
- , ]en-i\
- n-cv apX-em-bh
- s
- b-- S + VxE H E S {j
n-bp {][m\ hnh-c-W-fpw hmBx + +< xW Sx, Bx + +< P]E E
Ifpw Ds-Spn {]kn-o-Ic
- n-p "NRI
- n-eqsS C-sa-bn hgn J+ E v <- u {Si E
News Channel' imJ-If
{]hm-kn-Iv Fn-p-sIm-Sp-p-pv. Vi *
5.5 NRI News Channel, a monthly newsletter

containing important news items and
information regarding products and services,
interest rates etc. useful to NRIs, is circulated
to all NRI constituents through the branches
by email.
5.6 FIvkvtNv I-\n-I hgn Fp

]pXnb NRI Auv XpS-p--Xn-\p
At]-I
- Xncp-h\
-
- ]
- p-cv kvYm-]n-s GIo- I rX "eb- _ n- e nn sk{S-
t{]mk- k nwKv skdn' Fnv
Auv Xpd- v , an- k nn sNv ,
]mkv_pv Fnh CS-]m-Sp-Imv thKn Ab-p-sIm-Sp-p-p.
5.6 Opening of new NRE account sourced

by Exchange Companies is now centralized
at the Liability Central Processing Centre
[LCPC] functioning at Thiruvananthapuram,
which facilitates immediate opening of
accounts and issuance of Multicity cheque
book and pass book to the customers.
5.4 NRI Au-p-If

- n-te-b
-
- p 5000
cq]bvp apI-fn-ep XpI ssI-nb hnhchpw 25,000 cq]-bn-e-[n-I-ap XpI FSpp hnh- c hpw Fkv . - F w.- F kn- e q- s S
{]hm-kn-Isf Adn-bn-m-dp-v. _mns
Cs\v _mnwKv kwhn-[m\w {]hm-knIv _mns Xs av imJ- I - f ntebvpw Cy-bn-ep ap _mp-I-fntepw XpI amp-X
- n\p klm-bn-p-p.
]e-hn-[
- n-ep ncw \ntZ-i
- \Sm-p-X
- n\pw dbn _pnw-Kv, ôkv ASbv, Hmsse tjmnwKv XpS-n-bhbvpw {]tbm-P\
- {- ]-Za
- mWv Cu kwhn-[m\w. IqSmsX Au-nse hnh-c
- fpw CS]m-Sp-Ifpw ImWp-hm\pw ]cn-tim-[n-phm\pw km[n-pw.
5 .6
BCSV E{x u ii xB OE
i Bx + < Ji Jx E + ixxi{
Ei ] h] |M h] (B
{ ) ExpEi E M , V OE E
B ixi Ji Jx + ]] SEE
il {E V Ex vVxE x ni *
28
5.7 Fd-Wm-Ip-fs hntZ-i\

- mWy hn\n-ab
hn`m-K-tm-S-\p-_-n-p ISB sl]v
sUkv I v K^v cmPy- - f n \n- b bvp ]W-s--n-bp At\z-j-Wv adp]Sn \Ip-p. slUv Hmô-knt\m-S\
- p-_
- n-p ATM sl]v sUkvIv,
Cs\v _mnwKv sl]v sUkvIv, NRI
sl]v sUkvIv Fnh {]hm-kn-Iv
Ah-cpsS \nt-]--sfbpw CS-]m-Sp-Itfbpw Ipdn-p ]cm-Xn-I ]cn-lc
- n-p-Xn\p th klmbw \In-hc
- p-p.
5.8 Bn-, amth-en-c
- , Xncp-h
- , FdWm-Ipfw Fn-hn-S
- f
- nse _mns NRI
imJ-Ifpw {]hm-kn-ta-Je
- I
- f
- nse 50-e
- [
- nIw
imJ-I-fnse NRI skp-Ifpw \Ip
hfsc khn- t i- j - a m- b , hyn- K - X - a mb
tkh- \ - {]hm- k n- I v XnI
kwXr]vXn Df-hm-p-h
- b
- m-Wv.
6. _nkn-\kv t{]mkv doF-n-\ob-dnwKv (BPR) kwcw-`-

6.1 {]I-S\w sa-s-Sp-p-I, CS-]m-SpImv \Ip tkh\w BtKmf \ne-hmc-n-tev DbpI Fo ey-tfmsS 2005 s^{_p-hcn apX, ASn-m-\]-ca
- mb Ign-hp-Ifnepw B[p-\nI kmt-XnI-hn-Zy-bnepw Du \Inbpw {]h\-ssien ]p\-cm-hn-jvI-cnpw hnhn[ Xcn-ep _n.-]n.-B. kwcw-`
- v _mv
XpSw Ipdn-p.
5.7
n x M BhE r
+< B { bE, Jc n EB MB
z |h vi |x E vx Ei
* |vx E r B]B { bE,
<h]x] EM { bE il Bx + +< {
bE, +x i (Bx + +<) E =xE
Ji + xnx E v =xE Ei
E vx Ex i Ei *
5. 8
+]]M, CE, i +
BhE li S Bx + +< JB
il Bx + +< Exp 50 +vE J+
li Ei Bx + +< EI, Bx +
+< E Ei HMi |nx
Ei *
36.75 lac
28.11 lac
22.70 lac
17.30 lac
5.7 ISB Helpdesk attached to Foreign

Exchange Dept., Ernakulam attends to
queries relating to various remittances
made from Gulf countries. ATM Helpdesk,
Internet Banking Helpdesk and NRI
Helpdesk attached to Head Office, support
the NRIs to resolve all their grievances in
respect of their accounts and transactions.
5.8 The four NRI Branches at Attingal,
6.
|G {xx ( { +) { Mavelikkara, Thiruvalla and Ernakulam and

6.1 Ex{nx v Ex + OE specialized NRI Cells in more than 50
branches in NRI centres provide specialized
E i E xx E =q E x +{x and personalized services to the NRIs.
| J Ii+ , +iv xE | t ME B
6. Business Process Re-engineering
{x&{E{i {SxMi fS E ={M Ei (BPR) Initiatives
B 2005 + z { + 6.1 The Bank has embarked on
6.2 Nn-d, sNdp-In-S, CS-cw kwcw` taJimplementation of various BPR initiatives
e-Ifnse hmbv]I
- hne-bn-cp-p-X
- n\pw { E M Ex + E n*
A\p-hZ- n-p-X
- n\pw hnX-cWw sNp-X
- n\p-ambn 8 {][m\ sk-dp-If
- n sk{SssekvUv tem t{]mk-knwKv sk-dp-I
m]n-n-p-v. CXv sa-s BkvXn KpW\n- e - h m- c - nepw hmbv ] - I thKw
A\phZnpXn\pw hgn-sh-p. ]me-mSv
{]hn-p _mns dqd sk{S
t{]mk-nwKv sk Pn-bnse Fm imJIfnepw tkh-\s
- a-n-p-t- Xm-sSmw Cu
taJ-e-bnse hmbv]-bpsS KpW-\n-e-hmcw
sa-s-Sp-phm\pw klm-bn-n-p-v.
6.2 8
c Exp Jn, P B v =t
@h E Ex, Ei B ih i
ExpEi @h |Eh Exp ( { ) l{i
EB MB * VE {h { +i E
Mhk v + + @h E i
x E + M< * E E
Oh Exp |Eh Exp {CEc Ei
6.3 \nnX hn]Wn eyw-shv CS-]m- V W E J+ E E Ei
Sp-I hn-n-p-X
- n-\mbn Ggv sk{SssekvUv tem t{]mk-nwKv sk-dp-I- + < Jhb =v E Mhk v
fn _lp--D hn-\-kw-L- *
(Multi-Product Sales Teams - MPSTs) m]n-np-v. hmbv] ]ncnsSp- {]{In-bb
- n
apJy {i tI{o-I-cn-p-sImv tIc-fnse Ggv {][m\ \Kc-fn "kvs{SkvUv
Akvkv sdk-eyq-j sk-dp-I (SARCs)
Bcw`nn-p-v. CXp-hgn \njv{Inb BkvXnI-fn IpSp-n-n-S-p XpI-I IqSp-
6.3
beginning from February, 2005, with the

objective of improving performance and
enhancing customer service to global
standards, by leveraging on its core
competencies, state of the art technology
and redesigned operating architecture.
6.2 Centralised Loan Processing Centres
(CPCs) for appraisal, sanction and
disbursement of loans in Retail, Small &
Medium Enterprises segments have been
set up at 8 major centres, resulting in
improved quality of assets and shorter
turnaround time in extension of loans. Banks
Rural Central Processing Centre functions
at Palakkad covering all the branches in the
District and improving the quality of lending
to this segment.
E E |S i ] W E
Ii Ex E B i @h { Exp
=i{n G ] (B { B ]) l{i 6.3 Multi Product Sales Teams [MPSTs]
EB MB * nOi +i vx Exp have been established at seven of the loan
29
X DXv]m-Z\
- ]
- c
- a
- mb Bh-iy-v D]bpamIp Xc-n ]ncnsSpv hnXcWw \S-m Ign-bpw.
(B B + ) E 7 Exp J MB
iE { Vn vx Expi E E*
6.4 CS-]m-Sp-Imv hyym[njvTnXamb < +xVE +i +r xv V
tkh-\- \Ip--Xn-\mbn sXc-s- Vi , VE ={M i + +vE E
Sp imJ-I-fn dnte-jjnv amt\=q E B E V Ei *
Pamsc \nb-an-n-p-v. CS-]m-Sp-I \S-p-Xn\v D]-t`m-m-sf \bn-p-X
- n\v Xncs-Sp imJ-I-fn {Kml-Ivan-{X-amsc
\nb-an-n-p-v. sNv, {Um^vv, UnhnU v
hmd v apXembh kpc-n-Xa
- mbpw XS--fn-m-sXbpw ssIImcyw sNp-Xn\v
imJ-If
- n t{Um]v t_mIvkp-I m]nn- p- v . Idkn sNpIfn \nv
t\mpI Bhiym\pkcWw av
{_mpIfn Fnm\pw FSpp
hm\pw thn ]Xns\mv {][m\
tI{fn Idkn AUvan\nkvt{Sj
sk cq]oIcnp. Cu kwhn[m\w hgn
km[mcW {_mpIfn Idkn t\mpI
Bhiyne[nIw
kqnpXp
Ipdbvphm km[np.
6.5 tIcf kwm-\s _mns Fm

imJ-I-fn\npw s]j hmp--hcpsS s]j IW-p-Iq-p {]{Inb
Xncp-h-\--]p-cp m]n-n-p tI{oIrX s]j t{]mk-nwKv sk-dn-emWv
\S-p-X
- v. IW-p-Iq- IrXy-am-sWpw
hnX-cWw bYm-ka
- bw \S-p-p-spw
CS-]m-Sp-Imv Ime-Xm-a-k-ap-m-Ip-nspw Cu kwhn[m\w Ddp hcp-p-p.
6.6 MICR tI{-f
- n tI{oIrX nb-dnwKv
t{]mk-nwKv sk-dp-I m]n-p-X
- n\v
aptm-Sn-bmbn Xncp-h\
-
- ]
- p-cw, Fd-Wm-Ipfw, tImgn- t mSv Fn- h n- S - - f nse
HuvthUv nb-dnwKv {]h\w MICR
tI{--fn tI{o-I-cn-n-cn-p-I-bm-Wv.
Cu kwcw`w XpSptXmsS ASp
Znhkw Xs {]mtZ-in-I-amb nb-dnwKv
Ckv{Sp-sap-If
- p-ambn _-s Aup-Iv hI sImnm\mIpw.
6.7 Fd-Wm-Ip-fw, sNss Fn-hn-S
- f
- n
t{SUv ^n\mkv sk{S t{]mk-nwKv
- m-cw-`n-nsk-dp-I (TFCPCs) {]h-\a
p- v . {]h\nse KpWta
DdphcppXntev ]cn- N - b - k - cmb DtZym-K
c
- mWv B`y-c
- - h
- n-tZi
hym]m-c[
- \
- k
- l
- m-bh
- p-ambn _-s CS]m-Sp-Ifpw _mv Kymc-n-Ifpw ssIImcyw
sNp--Xv-.
6.4
OE E HMi B |nx Ex E
B Sxxn J+ x{ xV E
ixi E M* Sxxn J+ OE j
E M M iE OE E xnx Ex
G { Mnx E E* V EB MB
Ji E x ZZ] E + Ii {
E< Ex E B Sxxn J+ b{
C ={v EB MB * p |x EI
Vx iV B M iV J+ xEn
xnx Ex xG xEn E Mi
Ex Si i , M Exp M E *
6.5
{x |Eh E ixxi{ l{i

ExpEi {x |Eh Exp ExpEi E
M * VE ii {x {Ex lli,
{x E { ih B xnx E ii
x{]x xSi Ei B E V
E J {x E +h Ex
{x E E E M*
6.6
B +< + Exp ExpEi vx

|Eh Exp l{i Ex +Oni x E
xi, ixxi{, BhE + ECEb
E B +< + Exp VE vx
E ExpEi * < { E |ix E,
lx vx Ji E V Ex E n
nx Ji E Gb] E { *
6.7
+x {Sx H u n B
n { k v xnx + E M]
E E | B {i Ex E xSi
Ex i Ii { k Exp |Eh Exp
(] B { ) BhE B Sz< +
EB MB *
CPC centres to target specific markets, for

canvassing business. Stressed Assets
Resolution Centres (SARCs) have been
rolled out at 7 centres in Kerala for more
focused attention on recovery, thereby
releasing funds blocked in non-performing
assets which can then be utilised for more
productive purposes.
6.4 Relationship Managers have been
posted at select branches to extend
personalized services to the customers.
Grahak Mitras have been positioned at
select branches to proactively guide the
customers in conducting transactions. Drop
Boxes have been provided at the branches
for hassle-free and safe handling of
instruments deposited. Currency
Administration Cells, which facilitate Cash
transmittal between Chest and non-chest
branches to save the cost involved with
idle cash, have been rolled out in 11 centres
6.5 Pension processing has been centralized
at the Centralised Pension Processing
Centre set up at Thiruvananthapuram,
covering all pensioners drawing pensions
from any of the branches in Kerala State,
ensuring accuracy in pension calculations,
timely disbursement of pension and quick
settlement of transactions.
6.6 As a forerunner to setting up
Centralised Clearing Processing Centres at
MICR centres, the outward clearing work
is centralized at the MICR centres of
Thiruvananthapuram, Ernakulam and
Kozhikode. With the introduction of this
initiative, the Bank is able to afford credit
to the accounts in respect of local clearing
instruments on the next day of deposit.
6.7 Trade Finance Central Processing
Centres [TFCPCs], aimed to ensure efficient
and uniform handling of inland and foreign
trade finance related transactions and Bank
Guarantees by experienced operations
personnel, have been rolled out at
Ernakulam and Chennai.
30
6.8 tkhnMvkv _mv/Id v Auv Xpdp--Xn\pw _-s tkh-\-pw

imJ-Iv Bh-iy-amb ]npW \Ip-Xn\v Xncp-h\
-
- ]
- p-cv Hcp eb-_n-en-n
sk{S t{]mk-nwKv sk m]n-np-v. F.-Sn.-Fw. ImUp-I, sNv _ppI apX-em-bh Ds-Sp-, apIqn Xmdm-nb shIw Inp-I imJ-Iv
\In D]-t`m-m-v Ipd ka-bn-\p-n Auv Xpd-p--Xn\pw
{]hn-n-p--Xn\pw Ign-bp-p.
7. hnh-c-km-t-Xn-I-hnZy kmt-XnI-hn-Zy-bpsS D-a-\hpw hnh-c-kmt-Xn-I-hnZym DZy-a-fpw
6.8
Si E + S V Ji V ni
Ji E Jx + M Ex J+
E E + M nx E B ixxi{
BE ni Exp |Eh Exp J M*
Exp, B]B Eb + SE E H
{ i EB MB Mi E] J+ E
={v Ei V OE E E
Ji Jx + Ji E Sx Ex
vVxE Vi *
7.
Sx |tME - |tME =zx +

Sx |tME {
6.8 A Liability Central Processing Centre

has been established in Thiruvananthapuram
to provide back office support to branches,
in opening and servicing of liability accounts
such as Savings Bank and Current Deposit
Accounts. The Centre will provide to
branches pre-generated Welcome Kits
consisting of ATM cards and cheque books,
facilitating the customers to open and
operate the accounts within a short span
of time.
_mns Fm imJI- f nepw tIm

_mnMv skmeyq-jkv \S-m-n-bt- XmsS
tIm-tdv \qX-\X
- zhpw hfbpw Dd-mp--Xn hnh-c-km-t-Xn-I-hn-Zym-hn-`mKw
apJy ]mWv hln-p-X
- v. s\v hv D]I-cW
-
- p-m-Im-\n-Sb
- p XI-cmdv ]camh[n eLq-I-cn-p--Xn-\m-bn A\-h[n
{InbmIamb \S-]-Sn-I FSp-p-I-bpm-bn. DZm-lc
- W
-
- n\v CSn-an- km[yX- b p imJ- I - f n kPv Ad- p- I
m]n-p. XpS-bmb IW-IvSn-hnn {]iv\ D imJ-Iv Ah-bpsS H-s-S
Hgn-hm-p-X
- n-\mbn hnkmv (VSAT) kwhn[m\w Gs-Sp-n. s\vhv {]h\w
sa-s-Sp-p-X
- n\pw _n.-Fk
- v.F
- .-F.
Nm\ sNe-hp-I Ipd-bvp-X
- n-\p-ambn
_mv imJ-Isf Ghpw ASp-p knn
A{K-tK-j t]mbn vkn-tev (CAP) hgnXn-cn-p-hnp. sshdkv B{I-a-W--fn\np A]I-S
- f
- n\npw s\vhns\
kwc-n-p--Xn-\mbn s\vhnep
Fm D]- t `m- mpw, Hbv p
Iyq- - d p- I pw em]v t Sm- p- I pw
B n- s sh- d kv t{]m{Km- a ns Ghpw
]pXnb ]Xn-mb SEP \In-bn-pv.
7.1
7. Information Technology Technology Upgradation & IT

Initiatives
7.2 _Z \nh-l-W-amK-
(Alternative Delivery Channels)
7.2
7.1 With the Core Banking Solutions

implemented across all the branches of the
bank including the newly opened branches,
IT department is playing a key role in
facilitating corporate innovation and growth.
In order to minimize damage to network
equipment, several proactive actions were
taken such as installing Surge arresters in
lightning prone branches.
Branches having frequent connectivity issues
were provided with VSAT to prevent branch
isolation. Branches were rerouted to nearest
City Aggregation Points (CAP) to improve
network performance and reduce BSNL
channel charges. The upgraded version of
Antivirus named SEP is installed in all the
networked users, standalone PCs &
Laptops to protect the Network from
operational risks due to the virus attacks
and to ensure full protection against virus/
worms.
7 . 1 ]pXp- X mbn Xpd imJ- I - f - S w
_mn\v 2010 amv 31\v 726 F.-Sn.-F-p-Ifp-v (im-JI

- v ]pd-p 222 F.-Sn.-Fp-I AS-w). kwm-\s Ghpw
henb F.- S n.- F w. irwJe (611 F.- S n.FpI) _mn-t-Xm-Wv. Ch tv _mv
{Kqns 21,500cw F.-Sn.-F-w irwJe
bpambn _n-n-n-cn-p-p. Znh-k-nteXp ka-bpw ]Ww ]nh-en-m-sa-Xn-\p-]p-dsa tv _mv {Kqv D]-t`m-mv F.-Sn.-Fw. D]-tbm-Knv 50,000/
cq] hsc- {Kqn-s _mv Aun
tev (Card to Card Transfer) Ab-bvm
Ign-bpw.
E x< J+ i J+
M EB MB E EM x , +< ]
M E{] xx + r v Ex
BE + E x * x]E ={Eh
E Ii E E Ex E B V |h
J+ V +] Mx V E< G
E< E M<* J +M E E x E
B Mi ExC]] + VZ
J+ E ] ( B B ]) ={v E
M* x]E E x{nx v x +
B Bx B E Sx | E E Ex E B
J+ E xE]i x xn (E{) E
] E M* x]E E < +]E x
{SxMi VJ Sx E B +
< {h I xSi Ex i
x]Cb W, ]hb +x { , B
{]{ B < { xE Bh]< E =zi
Eh l{i E M*
31
E{E ih Sx
S 2010 E +x E E B ] B
x]E 222 +<] B ] B i 726
B ] B * E E E 611 B ] B E
x]E, V c B]B x]E *
B ] B, ]] E B]B x]E E
MM 21,500 B ] B E l x]Cb *
i-nx xEn +h E +iH, ]] E
E OE B ] B E ={M E E
+xiMi . 50,000/- iE xv E +ih
(Eb Eb +ih) E Ei *
7.2 Alternative Delivery Channels

The Bank has 726 ATMs as on 31st March
2010, including 222 offsite ATMs. The
Banks network of 611 ATMs in Kerala is
the largest in the state. All ATMs are
networked with State Bank Group ATM
Network of over 21,500 ATMs. In addition
to withdrawal of cash round the clock, State
Bank Group customers can transfer funds
up to Rs.50,000/- to accounts within the
Group (Card to Card Transfer) using ATM.
31
2010 amv 31- \v 36.75 e-amWv _mns

- mImUv ASn-d (Base) ap hjm-hk
\s \ne-tb-m 21.40 iX-am\w h\-hm-WnXv kqNn-n-p--Xv. kPo-h-amb

ImUp-If
- psS Fw samw {]h-\-aa
- mb tkhnwKvkv _mv Au-p-IfpsS 96.13 iX-am\w hcpw.
\Sp hjw F.-Sn.-F-p-I-fnse i-cm-icn
lnp-If
- psS Fw 262 BWv. F.-Sn.-F
- pI- f psS {]h\ aX 200910
Imebfhn 94.86 iXam\ambncpp. Cu
hjn F.- S n.- F pIfneqsS 489.94
ew CS]mSpIfnembn cp. 12,280 tImSn
]nhensnpv . CXn\p ]pdsa
hym]mc m]\fnse 4.86 ew
]n.Hm.Fkv CS]mSpIfneqsS cq. 106 tImSn
ssIamw sNsp.
hnX aqey CS]mSpImv thn,
IqSnb ]nhen ]cn[nbp
Atiob hnk tKmUv ImUv
]pdndn.
Cs\v _mnMv: kuI-cy-{]-Zhpw Imcy-a-hp-amb sF.-F.-_n. kuI-cy-amWv
_mv {]Zm\w sNp- - X v . Cs\v
_mnMv D]-t`m-m-v kpc GsSp-p-X
- n-\mbn \ne-hn-ep 128--_nv SSL
( skIyqUv tkmv seb) F{In]vj 256 _nv DVSSL (F-IvUUv hmentU- j skIyqUv tkmv seb)
F{In-]vj\
- mn Dbn. _Z \nhl-W-amK--fn-te-p CS-]m-Sp-Im-cpsS
am-n\v apnb ]cn-KW
- \ \In-hc
- p-p.
2009 amv 31- \v Cs\v _mnMv CS-]mSp-Im-cpsS Fw 1.60 e-am-bn-cp-Xv
2010 amv 31- \v 2.67 e-ambn hn-p.
Cs\v _mn-n-eqsS \S CS-]m-SpIfpw Ah-bpsS aqeyhpw bYm-{Iaw 193.15
iX-am-\hpw 188.39 iX-am-\hpw h-\hv
tcJ-s-Sp-n.
Cs\v _mnMv kuIcyw {]ap-J-amb
Khsa v Sp I-a (G2C) _nkn-\v Sp
_nkn-\v (B2B) CS-]m-Sp-Iv hgn-sbm-cpn. 2009 sk]vw-_d- n \S-m-nb tIcf
kwm\ km- c ns Ita- g v k y
\nIpXn Hm sse\mbn AS-b
v m- GsSp-nb kuIcyw Hcp \mgn-I--m-bn-cp- n-bn
p. CtX-p-Sv 2010 s^{_p-hc
alm- c mjv { S kwm\ km Itagvky \nIp-Xn-bpsS Hm sse hgn ASbvm-\p kuI-cy-tas-Sp-n. 2010
s^{_p-h-cn-bn _mns Hmsse
sskn-eqsS F.-]n.-kn.-F-n\v k-b
t]bvsa v kuIcyw A\p-hZ- n-p. _mn
Au-p-ff tIm-tdv CS-]m-Sp-Imv
31
S 2010 E +x, E E { 36.75

J E B]B b] Eb , V Mi
E {i E li 21.40% r ni
* G Eb E E J, E {SxMi
Si E Ji E 96.13% *
Ivx +v E nx B ] B E ]
E +i J 262 * E E B ] B
+{]< 2009-10 E nx 94.86%
* E nx EB MB B ] B xnx E
E J 489.94 J l, V . 12,280
Ec E {i l* E nx { +
B ({<] + ) xnx E E J
4.86 J l, V .106 Ec {i
l*
=SS x i OE E l |inx
xEn +h E B =SS +vEi
H {] { Ei BE +xi ] B
] B b] Eb MbEb +
E M l*
<h]x] EM - E BE vVxE I
<h]x] EM v |nx Ei * <h]x]
EM OE E +vE I |nx Ei i
tx 128 ] B B B (Cb E]
) BxG{x E g E 256 ] < B
B B (BC]bb bx Cb E] )
BxG{x E n M* <h]x] EM OE
E E J 31 S 2009 E +x li
1.60 J gE 31 S 2010 2.67
J M<* <h]x] EM E v B
xnx E J + xnx E n
+v { r G& 193.15% +
188.39% *
<h]x] EM v x +ii, i{h E
OE (V 2 ) il E E
( 2) xnx E v x n *
i 2009 + E M E
V E E hVE E E +x<x
Mix BE BiE P]x l* <E n
2010 ] V E E
hVE E E +x<x Mix +
E M* 2010 xnix
{] E{x . (BS { B) i
The Bank has an ATM-cum-Debit card base

of 36.75 lac as on 31st March 2010, which
represents an increase of 21.40% over the
position as at the end of the previous year.
The total number of active cards constitutes
96.13% of the total operative Savings Bank
accounts.
The average number of hits of the ATMs
during the period under review is 262. The
Banks ATM uptime is 94.86% during
2009-10. The total number of ATM
transactions put through during the year
was 489.94 lac involving a sum of Rs.12,280
crore. The total number of POS (Point of
Sale) transactions during the year was 4.86
lac involving a sum of Rs.106 crore.
VISA Gold Card - an International ATM
cum Debit card working on VISA platform
with higher maximum limit on daily cash
withdrawal - was introduced for the benefit
of High Networth customers.
Internet Banking - The Bank offers a
convenient and efficient Internet Banking
[INB] facility. Existing 128 bit SSL (Secured
Socket Layer) Encryption has been enhanced
to 256 bit EVSSL (Extended Validation
Secured Socket Layer) Encryption, to
provide more security to INB customers.
The total number of INB customers
increased from 1.60 lac as on 31st March
2009 to 2.67 lac as on 31st March 2010.
The number of transactions and value of
transactions put through Internet Banking
increased by 193.15% and 188.39%
respectively on year-on-year basis.
The Internet Banking facility has also enabled
very significant Government to Customer
[G2C] and Business to Business [B2B]
transactions. The online payment of
Commercial Tax of Kerala State
Government introduced in the month of
September 2009 was a landmark event.
This was followed by Online payment of
Commercial Tax of Maharashtra State
Government introduced in the month of
February 2010. Supplier Payment has been
enabled for Hindustan Petroleum
Corporation Ltd., [HPCL] in the month of
32
(hn-Xc
- W
-
- mv) Fv.]
- n.-kn.-F
- ns sXcs- S p
Au- p- I - f n- t ev
www.sbtonline.in se k-b t]bvsa v hgn
]Ww AS-bvm Ign-bpw.
+{iEi Mix E vVxE x M*

E E l Ji E{] OE (b)
+ BS { B E Sxxn Ji E +x<x
2009 Pqsse 25- \
- mWv asmcp _Z\nh- |h E Ei *
lW amK- a mb samss_ _mnwKv
khokv (Fw.- _ n.- F - k v ) Bcw- ` n- - X v .
skt^m t]mse-bp D]-Ic
- W
-
- f
- neqsS _mnwKv CS-]m-Sp-Ifpw / CXc CS]m-Sp-Ifpw \S-p-Ib
- mWv Cu kwhn-[m-\n-eqsS sNp--Xv. _mns CS-]m-SpImv kpc-n-Xh
- pw, thK-nepw kuIcy-{]-Zh
- p-ambn _mnwKv CS-]m-Sp-I {]Zm\w
sNp-X
-- n-\p Hcp amK-amWv samss_
_mnw-Kv. Hcp Znhkw samss_ _mnwKv
tkh\w aptJ\ {Smkv^ sNmhp
XpI 50,000 cq]bpw {Ibhn{Ib
mbp amk]cn[n 2,50,000 cq]bpamWv.
February 2010. Corporate customers

(dealers) having accounts with the Bank can
now remit online to HPCLs selected
accounts.
Mobile Banking Service (MBS), another
alternative channel for banking/non-financial
transactions, was started on 25th July 2009.
This helps the Bank to provide the
customers with another channel for banking
transactions, which is safe, secure, fast and
convenient. The daily limit for MBS
transaction is Rs.50,000 for aggregate of
funds transfer & transactions involving
purchase of goods & services within an
overall calendar month limit of Rs.2,50,000.
EM xnx/M-k xnx Ex i n
E{E Sx < EM (B B)
25 V< 2009 E + E M<* OE
E EM xnx i n Sx ={v Ex
i Ei , V E Ii, iW B vVxE
* B B xnx E B nxE .
50,000/- + nxE E xv
+ih B . 2,50,000/- E O Ehb
Several value added applications were
E E +xn E Jn B B
developed to make the system more useful
_mnwKv kwhn-[m\w D]-t`m-m-v v xnx E B *
to the customers. These include:
IqSp- X D]- t bm- K - { ]- Z - a m- p- - X n- \ mbn
Htsd aqey-hnX tkh\ kwhn-[m-\ hnI-knn-s-Sp-p-I-bp-m-bn. Ch
Xmsg--d-bp-p.
OE E B |h E + +vE ={M
xx E B +xE Vi +x|M E
E E M* < xx *
tIm-tdv t]bvsa v tKvth tIm

- _mnw-Kn-eq-sSbpw NEFT eqsSbpw ]W-ab
m klm-bn-p Cu sh_v--A-[njvTnX ]mtPv _mv kz-ambn hnI-knn-s-Sp-p. C-tSm- U_v ^mIvS
HmXn-t-j\
- n-eq-sS tIm-tdv CS-]m-SpImp Cs\v sh_v Cs^bvkv
hnI-kn-n-s-Sp-p.
Btm sU_nv s^kn-enn tIcf hm

AtXm-dnn (KWA), Non-Keralites Welfare Board
XpS-nbhbnse CS-]m-Sp-Imv ]Xnhmbn
_n-Sb
- vp-X
- n\pw ap-ambn Xbm-dm-n-bncn-p ]mtPv BWn-Xv. Cu kuIcyw
D]-tbm-Kn-p-X
- n-\mbn CS-]m-Sp-Im \ntZi- _mn-s-bS- pv cPnkv sNt- X p- v . _n AS- b v t XobXn
Fp-tm _mv ]W-aS- b
- vpw.
SBI
tKv t hbn- e q- s S- b p Auto SMS
Generation: {]hmkn CS-]m-Sp-Imv SMS hgn
hnh-c-W- Adn-bn-p--Xn-\mbn tv
_mv Hm^v Cy-bpsS SMS skmeyq-j
\S-m-n-. hmbv]I
- f
- psS Xncn-S- hv XobXn
Adn-bn-p-Xpw apw Ctm Cu amKn-eq-sS-bm-Wv. Cu kwhn-[m\w hfsc
sNe- h p- I pd- Xpw Bhiym\pkcWw
hnI-kn-n-m-hp--Xp-am-Wv.
E{] {h] M] - P i { +vi

{EV E E E M V E{] E
B E EM B x}] (Bx < B ]) E
v Mix Ex vVxE M *
<-]E x b C] +l]E x E ={M Ei
B E{] W E B <h]x] <h]
E E E M*
+] b] v - E V |vEh (E
b B), xx E<] b V E{]
E xi Mix E vVxE xx
E B Ei + M Ex E B i
{EV* OE E E E l +{x +vn
(xb]) nV Ex M iE E, n il {
E Mix EM*
B +< M] E v +] B B B
=i{z Ex: i ]] E u |ii B
B B x E Bx + +< OE E B
B B Gb] B] =i{z Ex il +x
Corporate Payment Gateway a Web

based package - is developed in-house
enabling Corporate to make payments
through core banking and NEFT. Internet
Web Interface for corporate users was
developed using e-token double factor
authentication.
Auto Debit Facility, a package developed

and ready for implementation to facilitate
the regular bill payments of corporates such
as Kerala Water Authority (KWA), Non
Keralites Welfare Board etc. The mandates
have to be registered by the customer with
the Bank to enable the payment of bills on
due date.
Reaching out across the oceans...

SBT Xpress Remit for online money
remittance from US & UK in association with
SBI Global Link Services
33
IqSp-X ku-lr-Z]
- c
- hpw Imcy-a
- hpw
Bp- - X n- \ p- t hn
\S- p- h jw
_mns sh_vsskv ]cn-jvIc
- n-p. sh_v-A[
- n-jvTnX hmbv]m At]-mt^mw hnIkn-n-s-Sp-pIbpw CXn\v tlmw t]Pn
enpw \In-bn-p-v. D]-t`m-m-v
Cu sh_vssk-dd- n-eqsS t\cnv `h-\h
- m-bv],
hnZym-`ymk hmbv], sNdp-In-S--C-S-cw
kwcw-Ì
- p-ff hmbv], ImjnI hmbv]
XpS-n-bh
- bvv thn At] kanm- h p- - X m- W v . {]mY- a nI ]cn- t im- [ \
\Sn _-s imJ-If
- n-tev Abp-Xn-\mbn Ah Xncp-h-\--]pcw slUv
Hmô- k nse tem skn- t ev Abbvm th hyh-I
- tkm^vp-shb-dn \In-bn-p-v. CS-]m-Sp-Im, imJI, hmbv] ssIImcyw sNp sk
Fnhv C- s a- b n nXnhn- h c
dntmp-I kzb-tah Ab-p-sIm-Sp-pw.
8.
eoUv _mv ]Xn
8.1 tIc-f
- nse Be-p-g, tIm-bw, ]\w-Xn Fo aqp Pn-If
- n _mv eoUv
_mv Npa- X e hln- p- p. 2009 - - 1 0
hjs Pnm hmbv]m-]
- Xn-I bYm-kabw t\Xr-Pn--I-fn Bcw-`n-p. dnkhv
_mv amK-\ntZ-ia
- \
- p-kc
- nv t\Xr-Pn-I
- fnse Fm tmp-If
- nepw hnhn[ Xcw
tbmK- kwL- S n- n- p- I - b p- m- b n.
t\Xr-Pn-I
- f
- nse ey-an-n-cn-p hnhn[
hn`m-K
- p-thn \psS _mv, kwcwÌ hnI- k - \ - ] - - X n, Ij- I - t bm- K w,
mam-cpsS tbmKw XpS-nb hnhn[
hnI-k-\-]-cn-]m-Sn-I kwL-Sn-n-p.
8.2 ta ]cm-ain aqp Pn-If
- n-tebpw
Fm km-nI m]-\
- fpw IqSn 2009 2010 apK- W \m hn`m- K - p
\Inb hmbv] 8735.50 tImSn cq]-bm-Wv.
AXn \psS _mns hnlnXw 1840.96
tImSn cq]--b m- b n- c p- p. 2010 - 11 hjtbvv Cu aqp Pn-Ip-ambn apKW\m hmbv]m hn`m-K
- n\p Iogn {]Xonp hmbv]m-hn-Xc
- Ww Fm [\-Imcy-m-]\
-
- f
- n-ep-ambn 13801.76 tImSn cq]bm-Wv. AXn _mns hnlnXw 3030.51
tImSn cq]-bm-Wv. AXm-bXv samw hmbv]
AS-e
- ns 22 iX-am-\w.
xn nx E B M E M* @h +n
E Ei n Sx +VE xB Sx E v
n V , V E Ei + +
*
E n x E E <] E + +vE
EI W b xx E B <]
v E M* BE +vi +x<x
@h +xv {E V Ei E M + {V
Vc n M* OE < <] E v
+ @h, I @h, B B < B E
@h i v +nx E Ei * |E
I i |vx E E @h EI E +nx
Vx il +M E |Eh i = vi
J+ E |i Ex E B }]
+E |vx nB MB *
8.
8.1
+Oh E Vx
Auto SMS generation through SBI

gateway: The SMS Solution offered by State
Bank of India has been implemented for
generating SMS Credit alerts and other
communications to NRI Customers.
Installment due intimation on loans etc are
now routed through the new channel, which
is very cost effective and scalable.
The Banks website was revamped during

the year to make it more efficient and userfriendly. A web based online loan request
package has been developed and linked
from the homepage. Customers can directly
apply for the Housing loan, Education loan,
SME and Agriculture Loans through this
website. Necessary provisions are given in
the software for routing the application to
Loan Cell at Head Office for preliminary
scrutiny and for forwarding it to the
respective branch for further processing.
E E V E ix W x +{{, 8. Lead Bank Scheme
E]] + {kxi]] +Oh E E 8.1 The Bank is shouldering Lead Bank
responsibilities in three districts of Kerala
vi E x E *
2009-10
E State viz. Alappuzha, Kottayam and

B V @h VxB +Oh V { Pathanamthitta. The District Credit Plans
+ E M< l* +Oh V E E for the year 2009-10 were launched in the
Lead Districts well in time. The various
v +x È i W E E mandatory meetings in all the blocks of the

nxn E +x +Vi E M<* E x Lead Districts were conducted strictly in
+Oh V z Ii E B +xE accordance with the guidelines issued by
RBI. The Bank had initiated several
E EG V =t E EG, Ex developmental programmes like

E È + { E E È + E l* Entrepreneur Development Programmes,
8.2
Farmers Meet and Planters Meet for
2009-10
E n x ix +Oh W different target groups in the Lead Districts.

k lx u |lEi |{i Ij E 8.2 The total outlay under Priority Sector
+xiMi E { .
V E E + .
8,735.50
1,840.96
k l+ u
Ec l by all financial institutions in the three Lead

Ec * Districts for 2009-10 was Rs.8,735.50 crore
of which the Banks share was Rs.1,840.96
2010-11
E B crore. The estimated disbursement under

<x ix W |lEi |{i Ij +O E Priority Sector advances in these three
+iMi +xxi ih .13,801.76 Ec districts for the year 2010-11 by all financial
institutions is Rs.13,801.76 crore of which
V E E .3,030.51 Ec V the Banks share is Rs.3,030.51 crore, which

{ E 22% *
constitutes 22% of the outlay.
34
9. km-nI Ds-Sp-
9.
9.1k
- m-
- nI tkh-\
- f
- psS Bgw Iqen-eq-sSbpw hnim-e-am--en-eq-sSbpw D
km- nI D- S p- - e mWv Cy
_mnwKv taJe t\cn-Sp apJy shp-hnfn- I - f n- s em- v . km- nI tkh- \ fn\nv Hgn-hm-s
- -n-cn-p _lp-`q-cn]w hcp ]mh-s-h
- pw Xmgv hcpam-\
- mpw Cu tkh-\
- Xmm-hp
sNe-hn Fn-pI F-XmWv kmnI Ds-Sp- sImv AY-am-p-Xv. kmaq-lnI Ds-Sp- ssIh-cnm km-nI Ds-Sp- t\tS-Xv
Bh-iy-am-sWv Icp-Xs
- -Sp-p. CXp-ambn
_-s dnkhv _mv Hm^v Cy-bpsS
amK-\ntZi--tfmSv {]Xn-I-cn-p-sImv
ASp aqp-hjw sImp \S-m-mhp Hcp km-nI Ds-Sp- ]Xn
Xbm-dm-n-bn-p-v. _nkn-\v m\p-If
- psS
Ahn-`m-Py-LS- I
- a
- mbn km-nI Ds-Sp ]-Xnv Xmsg-d- b
- p apJy ey-fm-Wp--Xv.
9.1
k +xix
k + E Mxi + {Ei E
v k +xix Ex, i EM
Ij E I BE |J Sxi * k +xix,
x Ex M Mi { =x Si B xx
+ M E M E k ={v Ex
* k +xix E |{i, VE +xix
v Ex + |{i Ex i +E Z
M * < v i W E E xn
E |iG E { E x BE k +xix
Vx x< V E +M ix iE {
E VBM* k +xix E Vx
E Vx+ E +z +M M, V
xxJi |J =q :
tx +{SE @h ih ij v
x
E Oh M E S @h J{x E
Ii v i ={ Zx
9. Financial Inclusion
9.1 Financial Inclusion through deepening
and widening of financial services is one of
the key challenges before the Indian Banking
sector. Financial inclusion is the delivery of
financial services at an affordable cost to
the vast sections of disadvantaged and lowincome group. Achieving financial inclusion
is seen necessary to improve and achieve
social inclusion. In response to the RBIs
directives, the Bank has formulated a
Financial Inclusion Plan to be rolled out over
the next three years. This plan for Financial
Inclusion will be an integral part of the
business plans with the following key
objectives:
Effecting improvements within the existing
formal credit delivery mechanism.

\ne-hn-ep Hu]-Nm-cnI hmbv]m-hn-Xc

- W
kwhn-[m-\
- n-\I
-
- p-\n-p-sImv sa-sSp-e
- p-I \S-m-p-I.
| fM {S i xB b Ei
hmbv] Dsm-m-\p Imcy-tijn Ex
hn-n-p-X
- n-\p- \S]-Sn-I \ntZ-inpI {]tXy-Inpw {KmaoW P\-Xb
- n.
|tME +vi vx { V Ex
+M ix i b u +xni < {h
k +xix Vx E k +xix {
kmt-Xn-I-hn-Zym-[n-jvTn-X-amb ]cn-lm-c- +vE nx E B M E VBM* E x
amK-v Du
Vx E xMx + Exx i `
km- nI Ds- S p- - e n\v IqSp- X |vx h E +vE E xii BE {lE
Du \Ip-X
- n-\mbn t_mUv AwKo- k +xix M E l{x E *
ê-{]-Za
- mb Fn-s-Se
- n-\p-th ]pXnb
amXr-II
- Bhn-jvIc
- n-p-I.
I-cn-, ]qW tXmXn-ep km-n-I

Ds-Sp- ]Xn ASp aqp hjfnembn \S-m-p-X
- m-Wv.
]-Xn-bpsS \S-nv \nco-n-p-X
- n-\mbn
_mv ko\n-b amt\-Pvsa v t{KUn-ep
Hcp Hmô-kdpsS Iogn {]tXyI kmnI Ds-Sp- hn`mKw cq]o-Ic
- n-n-cnp-I-bm-Wv.
9 . 2 \Sphjw 1,98,558 P\{]nb
t\m{^nkv AupI Bcw`nXp
ssS _mns t\m{^nkv Aup
I 10 ew Ihnv 1010978 Bbn. tIcf
kwm- \ - nse Fm s]mXp- t a- J em
_mp-Ifpw IqSn-tp XpS-nb Au-
9.2
E x Vx| x i v Ji
E x E E J E { Ei B
E nx B 1,98,558 Ji J V x
Ji E J 10,10,978 M<*
E V VxE Ij E E u
J MB Ji E J E MM 45% *
i , H ni +n E
J v x E WB, E x 80,000 Ji
J* xbEb M E M< ]E ]
Eb {Vx E i +x Exp E
VBM*
Suggesting measures for improving credit

absorption capacity especially among rural
folk.
Evolving new models for effective outreach
Leveraging on technology based solutions.
The Bank proposes to implement this fullfledged Financial Inclusion Plan, approved
by the Board, over the next three years.
The Bank has set up a separate Financial
Inclusion Department to monitor and
implement the plan, headed by an officer in
Senior Management grade.
9.2 The Bank crossed the Million mark in
Janapriya No-frills accounts, opening
1,98,558 such accounts during the year to
reach 10,10,978 accounts. These constitute
about 45% of the total number of accounts
opened by all public sector banks in the
state of Kerala. By way of mainstreaming
Self Help Groups, Joint Liability Groups, etc,
the Bank has opened 80,000 accounts.
Biometric Smart Card pilot project,
implemented in Nedumkandam under a
35
p-I-fpsS 45 iX-am\w hcp-an-Xv. kzbw

klm- b - k w- L - - t fbpw
kwbp
_m[yXm kwL- - s fbpw apJy- [ m- c mh-cn-X
- n-eqsS _mv 80,000 Au-pI-fmWv Xpd-X
- v. s\Sp-
- v \S-m-nb
_nkn-\v Id-kvt]m- v / _nkn-\kv
s^kn- e n- t - amXr- I bnep _tbm
sa{SnIv kvamv ImUv ]Xn ap e-fn-tepw hym]n-n-p-w.
9.3
^n\mjy endkn, {IUnv

IuknenwKv, s{Sbn\nwKv
tImbw, Bepg, ]\wXn Fo
eoUv Unkv{SnIvpIfn \Sphjw _mv
aqv {KmaoW kzbwsXmgn ]cnioe\
m]\fpw (RSETIs) ^n\mjy
endkn B v {IUnv IukenwKv
tI{fpw m]np. hb\mn 2005
m]n dqd ssat{Im s{Sbn\nwKv
CnSyqns\ RSETI Bbn ]cnh\w
sNbv X p. t\w eyw hp
kmnI {]h\ GsSpm
kaq- l - nse XmsgnSbnephsc
s{Sbn\nwKv \In kpkcmpI hgn
{Kmanse kmnI kmaqlnI
hnIk\n\v RSETIs klmbamIpw.
]\wXnbnepw hb\mnepambn 6382
t]sc RSETIs ]cnioe\w \In. CXn
95 iXam\w kv{XoIfmWv. 60 iXam\w
]cnioe\mnIfpw _mns hmbv]m
klmbtmsS kzbw sXmgn kwcw`
XpSn AXn hnPbnpIbpw
sNbvXXmbn dntmpI kqNnnpp.
9.3
k Ii, @h { B |Ih
E x E nx +{x +Oh V l
{kxi]], +{{ B E]] Oh
V M |Ih lx (+ B < ]) k
Ii B @h { Exp (B B )
l{i E * 2005 l{i xb
Oh I |Ih lx (b + B ]
+<) + B < ] {ii E M* +
B < ] +< V E Si M E B
E |Ih nx i Oh I |Ih
lx E l{x E iE =xE E +lE
GE{ Ex l x E* + B <
] +< E xb B {kxi]] 6,382
H E |Ii E* < 95% M
O * 60% |Il E E @h
i V M =t + Ex
x E Sx * B B ] Vn @h,
{G B |E Si { I E i
Ei B xE k Ii/I B @h
{ |nx Ei * H E @h {
|nx Ei V +{SE / +l +x{SE
k Ij E +vx @hOi *
10.
10.1
10.
hymh-km-bnI ]p\-c-[n-hmkw
10.1 {]h\-km-[y-Xb
- p ]oUnX hyh-
kmb LS- I - - f psS ]p\- c p- m- c Ww

BkvXn-I ssIImcyw sNp--Xn-\p-thn-bp- _mns \b-n Ds-Sp-p.
27 bqWn-p-If
- n ]p\-c[
- n-hmk / ]p\x-kwL-S\m ]mt-Pp-I {]mhn-I-am-nsm-n-cn-p-I-bm-Wv. CXns samw
hym]vXn (FB + NFB) 266.3 tImSn cq]-bm-Wv.
AXn 194.12 tImSn cq]-bpsS samw
hmbv ] - b p 11 bqWn- p- I CDR
kvIoanepw 71.52 tImSn cq]-bpsS samw
hmbv]-bp 15 bqWn-pIv BIFR ]-Xnbnepw 0.66 tImSn cq]-bpsS Hcp bqWnv
_mns ]-Xn-bn-ep-am-Wv.
+tME {x
E E +i |vx v o]Eh
BE i{h hxi E { +lI Mh
+tME <E< E {xilx Ex *
. 266.30 Ec E E @h VJ (BC{W)
B + Bx B ) E l 27 <E< E
v {x / {xM`x {E V Exx +vx
* <x 27 <E< , 11 <E< . 194.12
Ec E BC{W E l b + Vx E
ii , 15 <E< . 71.52 Ec E BC{W
E l +< B + Vx E ii , il
1 <E< . 0.66 Ec E BC{W E l
E E Vx E ii *
Business Correspondent / Facilitator Model,

will be extended to the other centres.
9.3 Financial Literacy, Credit

Counselling And Training
The Bank has established Rural SelfEmployment Training Institutes (RSETIs) and
Financial Literacy and Credit Counselling
Centres (FLCCs) during the year in its Lead
Districts viz. Pathanamthitta, Alappuzha and
Kottayam. The Wayanad Rural Micro
Training Institute [WRMTI] established in
2005, was converted to an RSETI. The
RSETIs will support the socio-economic
development of the villages, by imparting
vocational training to disadvantaged
sections of the society to enable them to
take up gainful economic activities. The
RSETIs have trained 6,382 persons in
Wynad and Pathanamthitta. 95% of the
beneficiaries are women. 60% of the trainees
are reported to be successful in starting
self-employment ventures, with credit
assistance from the Bank. The FLCCs
provide free financial literacy/education and
credit counseling, including education on
responsible borrowing, proactive and early
savings. They will also extend debt counseling
to individuals who are indebted to formal
and/or informal financial sectors.
10. Industrial Rehabilitation

10.1 Banks approach to Asset
Management includes revival of viable sick
industrial units as an important strategy.
Rehabilitation/Restructuring packages are
under implementation in respect of 27 units
with a total exposure (FB+NFB) of
Rs.266.30 crore. Out of these 27 units, 11
units are under CDR scheme with exposure
of Rs.194.12 crore, 15 units under BIFR
scheme with exposure of Rs.71.52 crore
and 1 unit under Banks scheme with
exposure of Rs.0.66 crore.
36
10.2 \S-p-hjw Bdv Au-p-I ]p\xkw-LS- \

- b
- vmbn CDR ]-Xn-bn-tev amn-
10.2
10.2 During the year, six accounts were

referred to CDR scheme for restructuring.
Out of these six accounts, restructuring
packages for two accounts were
implemented and others are under process.
11.
11. Management of NPAs
E n x, U Ji {xM`x i b
+
E
xn] EB MB* <x U Ji n
bn-cn-p-I-bm-Wv. Cu Bdv Au-p-Ifn cv Au-p-I-fpsS ]p\x-kw-L- Ji i {xM`x {E V M E M + +x
S\m ]mtPv \S-n-em-n; ap-h hnhn[ |Gvx *
]cn-tim-[\m L-f
- n-em-Wv.
11. \njv{Inb BkvXn-I

ssIImcyw sN
11.1 em`-km-[yX ap\nn BkvXn-IfpsS KpW-\n-eh
- mcw sa-s-Sp-p-Is
- b
ey-tm-sS, \njv{Inb BkvXn-Ifpw
(NPA), AUCIfpw ssIImcyw sNp-X
- n\pw
Xncn-p-]n-Sn-p--Xn\pw _mv {]Ya ]cn-KW\ \Ip-p. DX A[n-Im-cn-I Cu
Bkv X n- I sf \nc- cw Ah- t em- I \w
sNbvXv XpS\-S]
- S- n-I ssIsm-p-p.
DRT tIkp- I aptJ- \ bpw 2002 - se
SARFAESI BIvSns hIp-p-I {]Im-chpw
Xncn-p-]n-Sn- {]{Inb \S-n-h-cp-p.
_mns Hp-Xov ]Xn-b-\p-k-cnv
temIv AZm-e
- v, _mv AZm-ev Fn-hbn- e q- s Sbpw kv s {Skkv U v A- p- I
Xom-m DuPn-X{- iaw \S-p-Ib
- p-mbn. \njv{Inb BkvXn-I ]cn-an-Xs
- -Sp-p-Xn\v Akvkv doIkv{S- I-\nIv kvs{SvUv Ak-p-I hnpIbpw sNbvXp.
+xVE {{k E |vx
11.1
E, +i E Mhk + |ni
v x E =q Bx { B |vx il
+xVE +i (Bx { B) + Ji E
+xiMi +O (B ) E E SS
|lEi nx V J * |xvx u
<x +i E xxi I E Vi
+ z i { =E +xix E Vi
* b + ] E xxi +xix
u + B (B B + B B < B
+<) +vx 2002 +n E |vx E M
Ei B E M< il E E Zi
Vx, E +ni B E +ni E v
nOi +i E / x{]x E
E E { V E l E M*
11.1 The Bank continues to give topmost

priority to NPA management and recovery
of Non-Performing Assets (NPA) and
Advance Under Collection (AUC) accounts,
with a view to improving the asset quality
and profitability. These assets have been
frequently reviewed and followed up by the
management functionaries at various levels.
Recoveries are also made by constant
follow-up of the DRT cases, and also by
invoking the provisions of SARFAESI Act
2002 etc. Recovery/settlement of Stressed
Assets through Compromise Scheme of the
Bank, Lok Adalat and Bank Adalat was
taken up vigorously.
11.2 The percentage of Gross NPAs to
Gross Advances stood at 1.65% on 31st
March 2010 with the Gross NPA level at
Rs.641.98 crore. The percentage of Net
NPA to Net advances stood at 0.91% as
on 31st March 2010 compared to 0.58%,
a year ago.
11.2 E +O E ix E Bx { B
E |ii 31 S 2010 E +x 1.65%
V E Bx { B i . 641.98
iX-am-\a
- m-bn-cp-p. \S-p-hjm-hk
- m-\s
\njv{Inb BkvXn 641.98 tImSn cq]-bm-Wv. Ec l* 31 S 2010 E +x x
hmbv ] - I - f psS A- a q- e y- n A +O E ix x Bx { B E |ii 11.3 SME OTS-2009: A scheme for one
time settlement of SME accounts which had
\njv{Inb BkvXn-I-fpsS iX-am\w Hcp
Mi E 0.58% E ix 0.91% *
become doubtful asset as on 31.03.2009,
hjw ap]v 0.58 iX-am-\m-bn-cp-Xv 2010
amv 31- \v 0.91 iX-am-\a
- m-bn.
11.3 B B < + ] B - 2009: B B < was introduced on September 15, 2009.
11.3 SME OTS-2009: 2009 sk]vw-_ 15\v Ji V 31.03.2009 E +x nMv Ji The scheme was applicable to accounts with
- msS x M , =xE BE M x{]x i 15 outstanding below Rs.25 lac. The recovery
XpS-nb Cu ]-Xn, 2009 amv 31- H
effected under the scheme was Rs.1.16
kwi- b m- k v ] Z Bkv X n- I - f mbn amdnb
Au-p-If
- psS H-h
- W Xom-e
- n- i 2009 E BE Vx + E M< crore.
\p--Xm-Wv. 25 e-n Xmsg IpSn- l* Vx . 25 J E E
12. Internal Control Systems &
nIbp Au-p-ImWv Cu ]Xn
Ji
{
M
l*
<
V
x
E
+xiM
i
.
1.16 Supervision
_m[-Iw. ]Xn {]Imcw Xncn-p-]n-Sn XpI
Ec E E M<*
1.16 tImSn cq]-bm-Wv.
12.1 Integrated Risk Management
11.2 \njv{Inb BkvXn-I-fpsS iX-am\w
2010 amv 31- \v samw hmbv]I
- f
- psS 1.65
12. B-cnI \nb-{W

kwhn-[m-\hpw tat\m-hpw
12.1 C-t{K-Uv dnkvIv amt\-Pvsa v
_mn Hcp dnkvIv amt\-Pvsa v kwhn[m\w \S-m-m-\p D-ch
- m-Znw Ubd-IvS t_mUn-\p-v. B`y-c
- a
- mb dnkvIv
amt\-Pvsa v \bhpw X{hpw Xocp-am-\np AIv k v t_mUn- b m- b mWv
t_mUn\p Iogn-ep dnkvIv amt\-Pvsa v
12.
+xiE xjh |h B {Ih
12.1
BEEi VJ |xvx
E BE H VJ |vx fS l{i *
E BE VJ |vx |h M Ex E
{ Vn b E * b E ii, b E
VJ |vx i (+ B ), +iE
VJ |vx E B ={H xi + hxi
The Bank has a robust Risk Management

framework in place. The Board of Directors
has the overall responsibility to implement
a Risk Management System in the Bank.
Under the Board, Risk Management
Committee of the Board (RMCB) is the
apex body to decide appropriate policy and
strategy for internal risk management.
Subordinated to RMCB, Credit Risk
37
Inn (RMCB) {]hn-p--Xv. RMCB

bvp Iogn Xmtg-- n s{IUnvv dnkvIv
amt\-Pvsa v Inn (CRMC), amv dnkvIv
amt\-Pvsa v Inn (MRMC) Fnh bYm{Iaw s{IUnv dnkvIv, amv dnkvIv, Hmtd-jW
- dnkvIv Fnh ssIImcyw sNp- p. P\-d amt\-P (P & D) BWv Npa-Xe
s No^v dnkvIv Hmô-k (CRO). kqvaX-e
- n sam-n-ep- {]Xn-Zn\ dnkvIv
]cn-]m-e\
-
- ns Npa-Xe sU]yqn P\-d
amt\-P \bn-p Unmp-san-\m-Wv.
i Ex E B xE * + B
E +vxl @h VJ |vx i ( +
B ), W VJ |vx i (B +
B ), + {SxiE VJ |vx i
(+ + B ) U] i { @h VJ,
W VJ + {SxiE VJ li
Ex E B ={H * |xvE ( B )
E J VJ +vE ( + +) E {
{nxi E * ={ |xvE E xii
12. 2 ]n II \n_- - \ - I - \ p- k - c n- v
_mns Ct-W Iym]n- AUo-Izkn BEEi VJ |xvx M I i {
Ak-vsa v t{]mkv (ICAAP) tcJ Xbm- VJ E i nxE |xvx E B Vn
dm-p-Ibpw dnkhv _mv Hm^v Cybvv
kan-p-Ibpw sNbvXn-p-v. Hm-td-j- *
W dnkvIv t\cn-Sp-X
- n-\mbn Fm imJ- 12.2 +xiE {V {{ii |G (+< B
I- f nepw bqk Unmp- s ap- I - f nepw
_mv dnkvIv BUv It{Sm sk^v B {) niV {-II E +Ei+ E
Ak-vsa v (RCSA) ]qn-bm-n-bn-p-v. +x{ i E M + i W E
2010- 2011 km-nI hj-tmsS Hm- E |ii E M* E x J+ +
td-jW
- dnkvIns mUmssUkvUv
At{]m- n( TSA) tev amdp- - X n- \ p |H M {SxMi VJ E |vx
dnkhv _mv Hm^v Cy-bpsS \n_-\
- - E B VJ B xjh Ex { E
bpsS `mK-ambn hcp-am-\]
- m-XI
- sf 8 _nkn- * +M k 2010-2011 iE {SxMi
\v sse\p-I-fm-p amnwKv {]{Inb
_mv ]qn- b m- n. AUzmkv U v VJ E xEEi o]Eh E <O] Ex
sajsa v At{]m- ns \n_- - \ - { ]- E i E BE M E { , E x i
Imcw Hmtd-jW
- dnkvIns ]cn-]m-e\
- - W E u +xr +x + i E
n-\mbn hnh-c-\jvSw Ip-]n-Sn-p--Xn\p sh_v--A-[n-jvTnX tkm^vvshb +` E <x {{M Ex E E {
m]n-n-p-v.
E n *
12.3 Bkv X n _m[yXm ssIImcyw
sN
dnkhv _mv Hm^v CybpsS amK-\ntZi- - f - \ p- k - c nv 1999 G{]n 1 apX
BkvXn-_m-[yXm ]cn-]m-e\ kwhn-[m\w
\Sm-n-bn-pv amt\-PnwKv Ub-dI
- vS \bnp BkvXn-_m-[yXm kanXn IrXy-ambn
IqSm-dp-v. BkvXn-_m-[yXm kanXn Xmsg-db
- p-hb
- psS tp-sap-I hni-Za
- mbn
N- s N- pp: kv { SIv N - d enIzn- U nn
BUv C- d v tdv skkn- n- h n- n,
tjmv tSw ssU\m- a nIv enIzn- U n- n,
kvs{Skv sSnwKv Hmh enIzn-Unn BUv
C-d
- v td-v, Izmen dnhyq Hm^v InPkn ^nwKv m, Uyqtd-j Kym]v
A\m-en-kn-kv, A\m-en-knkv Hm^v C-dv
tdv dnkvIv ss_Zn s{SUn-jW
- BUv
Uyqtd-j Kym]v sat-Uvkv. _mns
s_vamv ss{]w seUnwKv \ncv
(BPLR) Ds-sS-bp hnhn[ ]eni \nc-pI ]p\\nW- b n- p- - X n- s \- p- d nv
N-sN-p-Xpw Xocp-am-\-sa-Sp-p-Xpw
BkvXn-_m-[yXm kan-Xn-bm-Wv.
12.3
+i ni |vx
1 +| 1999 | +i ni |vx
|h i W E u xvi M
xn E +x E E * |xv xnE
u xii E V +i ni i (B
B +) E È xi { i *
+i ni i, SxiE Sxv B
V n nxi, +{v Mi Sxv,
Sxv + V n { n {Ih,
+EEi xvx Vx E i I,
+v {E h, {{E B +v {E
{ri u V n VJ E h E
h { ii SS Ei * +E (B B
+) u E E +v xxi =v n (
{ B +) E vx i z V n
vx { SS E Vi + xh
Vi *
Management Committee (CRMC), Market

Risk Management Committee (MRMC) and
Operational Risk Management Committee
(ORMC) are in place to manage Credit Risk,
Market Risk and Operational Risk
respectively at the granular level. The
General Manager (P&D) is designated as
the Chief Risk Officer (CRO). The Integrated
Risk Management Department headed by
Deputy General Manager is responsible for
the overall daily management of risks at
micro level.
12.2 The Internal Capital Adequacy
Assessment Process (ICAAP) document
has been prepared in accordance with the
Pillar-II requirements and has been
submitted to RBI. The Bank has completed
Risk and Control Self Assessment (RCSA)
for the management of Operational Risk,
in all the branches and user departments.
As part of preparedness towards migrating
to The Standardised Approach (TSA) of
Operational Risk by the next FY 20102011, the Bank has completed the mapping
of income streams into eight Business Lines
as stipulated by RBI. A web based software
has been installed to capture loss data for
the management of Operational Risk as
required under Advanced Measurement
Approach.
12.3 Asset Liability Management

The Asset Liability Management System
implemented effective from April 1, 1999
is functioning as per the guidelines
prescribed by Reserve Bank of India. The
Asset Liability Committee (ALCO) headed
by Managing Director meets regularly. The
ALCO discusses in detail the statements
of Structural Liquidity and Interest Rate
Sensitivity, Short Term Dynamic Liquidity,
Stress Testing on Liquidity and Interest Rate,
Quarterly Review of Contingency Funding
Plan, Duration Gap Analysis, Analysis of
Interest Rate Risk by the Traditional and
Duration Gap Methods. Various interest
rate revisions including the revision of the
Benchmark Prime Lending Rate (BPLR) of
the Bank is discussed and decided by the
ALCO.
38
12.4 amv dnte-Uv ^vkv {Smkv^

ss{]knwKv (MRFTP)
ê-{]-Z-amb BkvXn-_m-[yXm ]cn-]m-e-\n-\mbn an-n {Smkv^ ss{]kv
t^mape (MTPF) (2003 XpS-n-bXpw
2006 ]cn-jvI-cn--Xpw) D]-tbm-Kn-p
\ne-hnse {Smkv^ ss{]knwKv sam-\nk (TPM) n\v ]Icw 2009 G{]n 1
apX amv dnte-Uv ^vkv {Smkv^
ss{]knwKv (MRFTP) kwhn-[m\w Gs-Spn. D-h
- n-eI
- sf hn]-Wn-hn-eI
- f
- p-ambn
s_v a mv sNp- I hgn {]h\
bqWn-p-If
- psS bYm em`-a
- X Adnbp-X
- n-\mbn cq]w-sIm-Sp-, imkv{Xo-ba
- mb B-cnI [\ssI-am aqey\nbkwhn-[m-\a
- mWv MRFTP. MRFTP bvp Iogn
_mp- I - f psS em`- - a - X - s b- p- d n- p
nc-X-bp-Xpw \oXn-bp--hp-amb Hcp
Nn{X-amWv s]t^makv sajsa v
kwhn-[m\w {]Xn-ên-n-p-I. _mns
D hne- b n- S o \b- s bpw Cu
kwhn-[m\w sa-s-Sp-p-p.
12.5 ]cn-tim-[\
- bpw tat\m-hpw
slUv Hmôknse ]cn-tim-[\m hn`m-Kw
_mnse BUnns ]cn- t im- [ \m
{]]\ GIoIcnpp. nc-ambp B`y-c ]cn-tim-[\ IqSmsX sF.F-kv. HmUn-v, A\p-]m-e\ HmUn-dd- v, ap-dnbn-n-m ]cn-tim-[\
- , tkmW Hmô-kpI-fp-sSbw slUv Hmôkv Unmp-sapI-fp-sSbpw knw HmUnv Fnh ]cn-tim[\mhn`mKw \S-p-p.
12.6 ]cn-tim-[\m hn`m-K

- nse RBS sk
hgn dnkvIv ASn-m-\
- n-ep tat\m-n\v ê-{]-Za
- mb m]-\]
- c
- a
- mb kwhn[m\w _mv {]h-\aam-n-bn-p-v.
2003 G{]n 1 apX \nb-{-Wm-[n-Imcn
hn`m- h \w sNbv X - X p- t ]mse dnkv I v
t^mvkvUv Ct-W HmUnv (RFIA) _mv
Ah- X - c n- n- p. dnkv I v am\Zfn
\npw _nkn-\v am\Z ths]Sp--s-p.
12.7 tIm _mnwKv kwhn-[m-\
- n-tep
]cn- h \w sNbv X - X ns ê- a m- b n,
HmUnv dntmns cq]-nepw, tdnwKv
k{-Zm-b-nepw, imJ-I-fpsS Xcw-Xn-cn kwhn-[m-\
- nepw, ]cn-tim-[\
- b
- psS
Ime-bf
- h
- nepw amw hcpn RFIA ]cn-jvIcn-p. Ckvs]-Ivj Unmp-san
C^ta-j knwkv HmUn-v sk
(sF.-Fk
- v. HmUn-v) cq]oIcnp.
W v xv +ih xvh
(B + B ] {)
| +i ni |xvx E vVxE xx
i v +ih j (B ] { B) E
={M Ei B (2003 + E M
+ 2006 È E M) tx +ih
-xvh ij (] { B) E lx { 1
+| 2009 W v xv +ih xvh (B + B ] {) E |il{i
E M* B + B ] { BE YxE
+xiE xv +ih ij VE E
=i{n E W n { +v xi B
{Sx <E< E |ni E {i Mx
i E M* B + B ] { E +xiMi,
x{nx { |h J+ E |ni E
Mi B Sj |ii Ei *
E E =i{nx -xvh xi v
Ei *
12.4 Market Related Funds Transfer

Pricing (MRFTP)
12.5
The Inspection Department at Head Office

co-ordinates the Audit and Inspection
activities of the Bank. In addition to the
regular internal inspection, IS Audit,
Compliance Audit, Surprise Inspection,
System Audit of Zonal Offices and Head
Office departments, etc. are conducted by
the Inspection Department.
12.4
xIh + {Ih
|vx E l{i xIh M E E
J {I B xIh Miv E xx
Ei * xi +iE xIh E +iH,
+< B J {I, +x{x J {I
+EE xIh, +SE E B |vx
E E M +n E |h J{I,
xIh M u +Vi E Vi *
12.6 E x xIh M + B EI
E v VJ +vi {Ih E B
BE | lMi ij l{i E *
xE u {E{i +x, E x +
B E +xiMi 1 +| 2003 VJ
E xpi +xiE J {I + E, V
E xnb E VJ xnb +M E
n M*
12.7 E EM |h E +{xx E l ,
+ B +< B E J{I {] |{, h
xvh ij, J+ E Eh, xIh
E xx Sx xnhb B xIh E +vEi
vx E u {xMì E M* xIh
M Sx |h J{I (+< B
J{I) EI x n M*
In order to facilitate effective Asset Liability

Management, the existing Transfer Pricing
Mechanism [TPM] using the Multiple
Transfer Price Formulae [MTPF], introduced
in 2003 and fine-tuned in 2006, was
replaced with Market Related Funds Transfer
Pricing [MRFTP] from 1st April 2009.
MRFTP is a scientific internal fund transfer
price mechanism evolved to ascertain the
true profitability of operating units by
benchmarking the product prices to the
market rates. Under MRFTP, the
performance measurement system reflects
a consistent and fair picture about the
branches profitability. It also improves the
product pricing policy of the bank.
12.5 Inspection and Supervision
12.6 The Bank has put in place an effective

institutional mechanism for Risk Based
Supervision through RBS Cell in Inspection
Department. As envisaged by the regulator,
the Bank introduced Risk Focused Internal
Audit (RFIA) under RBS w .e. f. 1st April
2003, where business parameters have
been de-linked from the Risk Parameters.
12.7 Following the migration to the CORE
Banking System, RFIA was revamped by
way of revision in Audit Report Formats,
rating mechanism, grouping of branches,
sampling norms and periodicity of Inspection.
The Information System Audit (IS Audit)
cell was formed within the Inspection
Department.
39
12.8 s{IUnv HmUnv
12.8
_mns BkvXn-I-fpsS KpW-\n-e-hmcw

sa- s - S p- pI F ey- t m- s S,
hInS hmbv ] m AupI- f psS
ssIImcyw sN, hmbv]m Ah-tem-I\w
ssIImcyw sN Fn-hb
- psS HmUn-v,
s{IUnv HmUnv hn`mKw ssIImcyw sNpp. cp tImSn cq]bpw AXn IqSp-Xepw
samw hmbv]m ]cn-[n-bp Au-pI-fmWv s{IUnv HmUn-n\v hnt[-ba
- m-p-Xv. A\p-aXn \Ip-X
- n\p ap]pw AXn\p-ti-jh
- p-ap khn-ti-jI
- IW-n-seSpv \S-p-hjw 933 Au-p-I-fpsS
HmUnv Unmp-sa v \S-p-Ib
- p-m-bn.
933 Au-p-If
- n 42 Fw cv tImSnbn Ipd-, Hcp tImSn-bn-e-[n-I-amb
Au-p-I-fm-bn-cp-p. RFIA bpam-bp
kwtbm-P-\s XpSv s{IUnv dnkvIv
amt\-Pvsans `mK-am-bn, Bh-iy-am-sWv
ImWp- n- S - s ms s{IUnv BUn-
\Inb amp-I {Iam-\p-kc
- W
- a- m-p-p.
@h J {I M u E E +i
Mhk E vx E =q @h Ex E
J{I il =SS @h Ji E Sx
Ei * . 2 Ec + = >{ E
BC{W H Ji E @h J {I E
+xiMi i E M* M x Ei{
B Eik {+ E i B E n x
933 Ji E J {I E* 933 Ji ,
42 Ji oSUE +v { . 2 Ec E
+ . 1 Ec +vE BC{W Ji
l* @h J {I E + B +< B E l
BEEh Vx @h J {IE u nB
MB +E E @h VJ |vx E +xiMi,
V +E , +xiE J {IE
u xEi E n M*
12.9 C Hmôkv doknentbj
@h J {I
12.9
+xiE vx
12.8 Credit Audit

The audit of loan appraisal and
administration for high value credit accounts
with the aim of improving the asset quality
of the Bank is undertaken by the Credit
Audit Department. Accounts with total
exposure of Rs.2 crore and above are
covered under Credit Audit. The
Department conducted audit of 933
accounts during the year, covering the presanction and post sanction aspects. Of the
933 accounts, 42 related to accounts with
exposure below Rs.2 crore and above Rs.1
crore on a random basis. With the
integration of credit audit with RFIA, the
marks awarded by the credit auditor are
normalized by the internal auditors under
Credit Risk Management, wherever
necessary.
12.9 Inter-Office Reconciliation
dnkhv _mv Hm^v Cy-bpsS amK-\ntZi- A\p- k - c nv Db aqey- a p

sU_nv F{Sn-Ifpw Hcp ehpw AXne-[n-Ihpw aqey-ap- sU_nv Au-pI-fpsS 99.9 iX-am-\hpw Ah-bpsS D-hn\v Bdv amk-n-\Iw dokn
sNt-X
- m-Wv. Cu \n_-\
- b
- psS ASnm-\-n 2009 Unkw-_- hscbp
sU_nv F{Sn-If
- p-sSbpw dnkn-en-tbj 2010 amv Ah-km-\t- msS _mv
]qn-bm-n. {_mv obdnwKv P\d
Aunse
sk]v X w_
2009
Ahkm\ntm 50,000 cq]bpw AXn\p
apIfnepXpamb Fm s{IUnv
F{nIfpw dnssk sNbvXp. RBI
\ntin 3 amk ]cn[nv aps Xt
Fm F{ nIfpw hfsc Ipd
Imebfhns dnssk
sNm _mv Dtinpp.
Mxn E +x . 1 J +
=E >{ =SS E x |] +
99.99% x E vx =E |]
iJ U x E +xiMi E Vx *
< i E r E x n 2009 iE E
+xiJ Ji E vx { E l V
S 2010 E +xi iE E x |] E
100% vx |{i E E l* x J
vx x Ji i 2009 E {i
i E B . 50,000/- B +vE E
V |] E vx E*
u xvi ix x E I E +{I
+{ |] E vx Ex E
I J *
As per RBI guidelines, all the high value debit

entries of value Rs.1 lac and above and
99.99% of debit amount need to be
reconciled within a period of six months
from the date of their origin. As against
this stipulation, the Bank had completed
reconciliation of Inter-branch accounts up
to December 2009 achieving 100%
reconciliation of debit entries by end-March
2010. The Bank has also reconciled all credit
entries of value Rs.50,000/- and above for
the quarter ended September 2009 in
Branch Clearing General Account. The Bank
aims to reconcile all entries within a shorter
time frame than the target of 3 months set
by RBI.
12.10 A\p-h\w
12.10
12.10 Compliance
Cym km-cn-sbpw dnkhv _mv Hm^v

Cy-bp-sSbpw \ntZ-i
- / Iev]\
- I
-
IrXy- a mbn A\p- k - c n- - s - S p- p- s v
_mv Dd-p-hc
- p-p-p. \ntZ-i
- ]men-Xn-tbpw Unmp-sans {]I-S\
-
- nsbpw ss{Xam- k - d n- t mv t_mUns
HmUnv InnbpsS Adn-hn-te-p-ambn
kan-p-p.
E xSi Ei E i E +
i W E E xn/+xn E iiE
+x{x E Vi * b E J {I
i E M E +x{x li +
Ex{nx v i I {] Sxl
xi { |ii E Vi *
+x{x
The Bank ensures that GOI and RBI

directives/instructions received are being
complied with promptly. Quarterly review
reports on the compliance status and
performance of the Departments are
regularly submitted to the Audit
Committee of the Board for information.
40
13. Pm{KXm kwhn-[m-\hpw {Ia-tSv

\nco--Whpw
13.1 \S-p-hjw _mns Pm{KXm A-
cow XnIpw km[m-cW \ne-bn-em-bn-cpp. Cu _mnse m^n-tbpw Hmôkam-cp-sSbpw hnizm-ky-Xb

- psS \ne-hmcw
Db-Xm-Wv. AXp-sIm-p-Xs mt^m
/ Hmô-kamtcm \S-nb Ip-I-c-amb
s]cp-am Zqjyw Ghpw Ipd \ne-bnem- b n- c p- p. Fm \n`m- K y- h - i m,
m^w-K
- Ds cv Xn-p-I \Sp-hj-n dntmp sN-s-Xv Bi-bp-Wn-bn-p-v. Ip-m-cmb DtZym-Ks-Xnsc hIp-p-Xe \S-]S- n-I Bcw`n-n-p-v.
13.2 {]Xn-tcm[ Pm{KXm \S]Sn-If
- psS `mK-
am-bn, hnPn-ekv hn`mKw DtZym-K-

_mns ]cn-io-e-\-]-cn-]m-Sn-I-fn {]Xntcm[ Pm{KXm kwhn-[m-\--sf-p-dnp
mp-Is
- f-Sp-p. kwhn-[m-\
- fpw \S-]S- n{I-a
- fpw ]men-t-X
- ns {]m[m-\y-sp-dnpw s]mXp-Po-hn-X
- n ]pet
kXy- k - - X - s b- p- d npw mp- I - f n
Dund-p. Hmtcm ]mZ-hjm-y-nepw
Xn-p-tI-kp-If
- psS {]h-\c
- oXn hni-ZoI- c n- p- s Imv _mv kp- e - d p- I
Abp; Acw kw`- h - hopw
Bhn-p-Xv XS-bm-\m-bn-cpp CXv.
imJ-If
- n ap-dn-bn-n-msX ]cn-tim-[\
- I \S-n. _mnse {]Xn-tcm[ Pm{KXm
kwhn- [ m\w AXns icn- b mb AYn _mn \S-m-pp Fp-d
- p-hc
- pp-X
- n\pw AXns {]N-cW
-
- n-\p-ambn
_mns tkmW Hmô-kp-If
- nepw imJI-fnepw CVO, kv{SIvtNUv aonw-Kp-Ifpw
inev]i
- m-eI
- fpw \S-n. aqp amk-m-eb-f-hn Cy-bn-se-m-Sp-ap 700 imJI-fn CXp \S-m-n.
13.
iEi ij B vJvc xMx
13.1
Ivx BE B l V E
iEi E x l* < E ] /
+vE E <xn E i E >S
+ <B ] / +vE u EB MB
+{vE nS E P]xB i E l*
nM, E n x {] E M< vJvc
E n P]x V ] n l, EU
Sxi E Eh x M<* {l] +vE E
r xi M E< | E M< *
13. Vigilance Machinery And Frauds

Monitoring
13.2
13.1 The period under review was a year

where the vigilance climate in the Bank was
quite normal. The integrity level of staff/
officers in this Bank is very high and hence
the instances of criminal misconduct
committed by the staff/officers were
minimal. Unfortunately two instances of
frauds, where staff members were involved,
reported during the year have posed some
concern. Regular Departmental Action
against erring officials has been initiated.
13.3
13.2 As part of Preventive Vigilance

measures, the Vigilance Department officials
handled sessions on Preventive Vigilance
through Banks training system highlighting
the importance of adherence to systems
and procedures and probity in public life.
The Bank issued circulars every quarter
stating the modus operandi of fraud cases
so as to avoid recurrence of similar instances.
Surprise inspections were conduced at
branches. Structured meetings/ conferences
were held by the CVO at various Zones
of the Bank and branches to propagate
and ensure the implementation of
Preventive Vigilance mechanism in the Bank
in its true spirit. More than 700 branches
spread all over India were covered in three
months time.
v iE iEi ={ E M E { ,
iEi M E +vE x |h +
Ev E +x{x il VxVx ix`
E i { |E bi B E E |Ih
|h E WB viE iEi { EIB
S< l* |iE i E x vJvc
E E|h xvi Ei B {{j
W E iE x { E P]x+ E {xk
x VB* J+ +EE xIh E
M l* E v iE iEi ij E |S
Ex B Exx xSi Ex i J
iEi +vE u z +S + J+
]CSb È / x E +Vx E
M* ix x E +v { i E 700
+vE J+ E E E M l*
E n x J iEi +vE 9
13 x 2009 iE BE }i E B Exp
iEi +M Ei l* iEi M E
13.3 \Sphjw 2009 \hw-_ 9 apX
13 hsc CVO, sk{S hnPn-ekv In- +vE x +< +En, MWn,
j-\p-ambn _-sp {]hn-p. Kmkn- BE }i E |Ih EG M
bm-_m-Znse kn.-_n.-sF. Am-Z-an-bn
\S Hcm-gvNs ]cn-io-e\ ]cn-]m-Sn-bn l* BE +vE x E E E +vx
_mp- t Zym- K - ]s- S p- p. tIcf k Exp -b] u +Vi < +{v,
km-cn\p Iogn-ep kzbw-`c
- W kvYm< x, < I v ] M`
]- \ - a mb sk t^m sUh- e - ] v s a v
Hm^v Cta-Pkv (C-DIT) Xncp-h\
- ]pcv \S- M *
nb "ssk_ Ip-Ir-Xy-, ssk_
13.4 E xn E +x {E |S
\nb-aw, ssk_ kpc' Fo hnj-bn-ep tZiob skan-\m-dn _mn ni B iEi VMEi {i x M*
\npw HcptZymK ]s-Sp-p.
iEi VMEi {i E n x EV Uj
13.4 tI{ hnPn-ekv Injs \ntZi E B BE |xk EG + ] n
{]Im-cw, ]Xn-hp-t]mse hym]-Ia
- mb {]NmcW-tmsS Pm{KXm Ah-t_m-[-\-hmcw E B BE xxv |iMi S M*
BN-cn-p. Pm{KXm Ah-t_m-[\
- h
- m-c
- ns {x n E E E |vx E
13.3 During the year the CVO was

attached to Central Vigilance Commission
for a week from 9th November to 13th
November 2009. The Vigilance Department
officials attended a training programme at
CBI Academy, Gaziabad for one week. One
official attended a National Seminar on
Cyber Crimes, Cyber Law, Cyber Security
at Thiruvananthapuram, conducted by
Centre for Development of Imaging
Technology (C-DIT), an autonomous
Centre under Govt. of Kerala.
13.4 Vigilance Awareness Week was
observed as per CVC directives with wide
publicity. An Essay Competition was held
for members of the staff followed by a quiz
programme for college students. SBT
41
`mK-ambn m^w-K
- mbn Hcp {]_-ak-chpw tImtfPv hnZymYn-Imbn
Iznkv ak-chpw kwL-Sn-n-p. Xncp-h-\-]p-cpw ]cn-kc
-
- p-ap hnZyme-b
- fn\np sXc- s - S p- - s \mev
hnZymYn-Iv Fkv._
- n.-Sn. kXy-k
- Xm
AhmUp-I _mns slUv Hmô-kn
hv hnX-cWw sNbvXp. bpha\-kp-If
- n
kXy- k - - X - b psS kt- i - s a- n- p- Xn\pw Agn-aX
- n-s-Xnsc s]mcp-Xm sNdp{]m-b
- n Xs Ahsc k-cm-p-Xn\pw t{]mm- l - \ - s a coXn- b n- e p
{]kvXpX km-\
- tIcf hnPn-ekv
B v Bn Id-]vj _yqtdm-bpsS Ub-dIvS {io sI.]n. tkma-cm-P hnX-cWw
sNbvXp.
xME E nM <xn E x VMi

Ex + ]S cx E BE ={ E {
=xE l i Ex i
ixxi{ E + { E z E
Sx M 4 Uj E B ] +x] +b
|nx E* +x] +b . E.{. Vx,
+< { B, xnE, iEi B Bx] E{x
, E u |nx EB MB l*
Honesty Awards were conferred on 4

students, selected from various schools in
and around the city, to inculcate the policy
of honesty in the minds of young citizens
and also with an idea to catch them young
for the fight against corruption. The Honesty
Awards were given away by Shri K P
Somarajan IPS, Director, Vigilance and Anti
Corruption Bureau, Kerala.
14.
14. Human Resources Development

& Industrial Relations
x vx E B +tME v
14.1
] vx B i
31
14.
am\-h-hn-`-h-tijn hnI-k-\hpw
hymh-km-bnI _-fpw
14.1 Poh-\-m-cpsS hn`-h-ti-jnbpw \nba-\hpw

4,182 Hmô- k amcpw 5,784 sdn- - Iymjv Poh- \ - mcpw 404 ]mv ssSw
kzoamcpw 2,226 kt_mUn-t\v Poh-\- m-cmWv
m-cp-ambn samw 12,192 Poh-\
_mn-ep-X
- v. h\nXm Poh-\
- m 4,348Dw
hnap `S-m 1,186 Dw BWv. CXv bYm{Iaw samw Poh-\
- m-cpsS 35.66 iX-am\hpw 9.73 iX-am-\h
- p-am-Wv. h\nXm Poh-\m-cn 981 Hmô-kamcpw 2,836 t\m-k-t_mUn-t\v m^pw 531 kt_mUnt\v m^pw Dv. hnI-emw-Kc
- mb 117 Poh-
S 2010 E +x E E x
4,182 +vE, 5,784 {E B xEn M
] il 404 +EE <Ei+ i
2,226 +vxl ] E E 12,192 ]
n * E ES E J
4,348 + i{ xE E J 1,186 l
V E ] n E G& 35.66% +
9.73% * ES 981 +vE,
2,836 M +vxl ] + 531 +vxl *
E E +{x x 117 E {
EM ES *
14.2
E n x 1,191 ] E i E M<
\-m-cmWv _mn tPmen sNp-X
- v.
l V 70 +vE 1,019 M +vxl il
14.2 \S-p-hjw _mn 1,191 Poh-\- 102 +vxl Ec l* E BE S BE
msc \nb-anp 70 t] Hmô-k tIUdnepw 1,019 t] t\mk-t_mUn-t\v W +vE +b ] E i E E
hn`m-K-nepw 102 t] kt_mUn-t\v <i BE Eb ={v *
tIU-dnepw Bbn-c
- n-e[
- nIw p-amsc
H--hW \nb-an-Xv _mns Ncn-{Xnse Xs kp{]-[m\ t\-am-Wv.
14.3 \S-p-hjw, H-h

- W
- s \S-]S- nsb \nebv v 264 RKGK Isf (kt_mUn-t\v tIU-dn \npw m\-bdw Inn-bh
- ) Iyq- sSan-\ Hmtd- am- c m- n. kt_mUn- t \v tIUdn\npw 64 Poh- \ - msc t\m
kt_mUn-t\v tIU-dn-tev m\-- msc dnbw \In \nb-an-p. 136 Poh-\
tIU-dn \npw Hmô-k tIU-dntev m\--bw \Ip-Ibpw Hmôk tIU-dn-\-Iv Xs 385 m\-bw \S-m-p-Ibpw sNbvXp.
14.4 m^v t{]mU-IvSn-hnn
Poh- \ - m- c {]Xn _nkn- \ v 2009
amn 686 ew cq]-bm-bn-cp-Xv 2010
14.3
14.1 Staff Resources & Recruitments

The Bank had on its rolls 12,192 members
of staff as on 31st March 2010, comprising
4,182 officers, 5,784 clerical and cash
department staff and 2,226 subordinate
staff inclusive of 404 Part Time Sweepers.
The number of women employees and exservices personnel in the Bank was 4,348
and 1,186 constituting 35.66% and 9.73%
respectively of the total workforce. Out of
the women employees, 981 were officers,
2,836 non-subordinate staff and 531
subordinate staff. The Bank also had on its
rolls 117 physically handicapped employees.
14.2 As many as 1,191 staff were recruited
during the year - 70 in the officers cadre,
1,019 in nonsubordinate and 102 in the
subordinate cadre. The recruitment of more
than one thousand award staff in one batch
is a record achievement in the history of
the Bank.
E nx +vxl M +vxl
Eb 64 ES E {nz i < l* BE
M U]E E { E EM |Ih
ni B + +v-Ii {I i B 264
+J{/Mn{ (+vxl Eb {nz i)
E E{] ]x +{] E { {ii
E M l* 136 ES E {E
+vE Eb il +vE Eb E +xiMi
385 {nz i EB MB*
14.3 During the year, 64 employees were

promoted from subordinate to nonsubordinate cadre, 264 RKGKs (promotees
from subordinate cadre) were converted
to Computer Terminal Operators as a onetime dispensation, 136 employees were
promoted from clerical cadre to the Officers
cadre, and 385 promotions effected within
Officers cadre.
14.4
The business per employee improved

from Rs.686 lac as at the end of March
2009 to Rs.758 lac at the end of March
2010. Net profit per employee improved
from Rs.5.58 lac as at the end of March
] =i{nEi
|i ES E S 2009 E {i
{ li . 686 J v E S 2010
E 758 J M* |i ES x
14.4 Staff Productivity
42
amv Bb-tm 758 ew cq]-bmbn sas-p. CtX Ime-b-f-hn Poh-\-m-c

{]Xn icm-icn Am-Zmbw 5.58 ew cq]bn \npw 5.80 ew cq]-bmbn h[n-p.
14.5 ]cn-io-e\ ]cn-]m-Sn-I

m^w-K
- v ]cn-m-\hpw Ah-t_m[hpw Ignhpw hn-n-p-Is
- b eytm-sS, tIm-tdv ey-t- fbpw Dc-hm-Zn-
- t- fbpw kw_-n-p ]cn-ioe\ ]cn-]m-Sn-I _mns ]cn-io-e\ tI{-fn \S-p-I-bp-m-bn. \S-p-hjw
2,567 Hmô- k ampw, 1 , 497 t\m
kt_mUn-t\v m^n\pw 158 kt_mUnt\dv m^n\pw ]cn-io-e\w \Ip--Xn-\mbn
179 ]cn-io-e\ ]cn-]m-Sn-I kwL-Sn-n-p.
14.6 Xncp-h-\--]p-c-sbpw Fd-Wm-Ip-f-
sbpw _mns teWnMv sk-dp-Ifnse ]cn-io-e\

-
- n\p ]pdsa Cy-bnse
Xmsg-d- b
- p hnhn[ m]-\
- f
- n-tev
616 Hmô-kamsc ]cn-io-e-\-n\v Abbvp-Ib
- p-m-bn. tv _mv Am-Ua
- n,
KpUvKmhv, tv _mv m^v tImtf-Pv,
sslZ-cm-_m-Zv, tv _mv Cn-yqv Hm^v
dqd sUh-e]
- vsa v, sslZ-cm-_m-Zv, tv
_mv Cn-yqv Hm^v C^ta-j
BUv Iayq- W n- t j amt\- P v s a v ,
sslZ-cm-_m-Z,v tImfPv Hm^v A{Kn--d
_mnwKv (B.-_n.-sF), ]qs\, \mj-W
Cn-yqv Hm^v _mv amt\-Pvsa v, ]qs\,
CUy Cn-yqv Hm^v a\m-Pv-sa v,
_mwq, AUv a n- \ n- k v t {S- ohv m^v
tImtfPv Hm^v Cy, sslZ-cm-_m-Zv, kn.-_n.sF. Am-Ua
- n, Kmkn-bm-_m-Zv.
14.7 _mns `mhn t\Xm-sf hmsSp-p-X
- n\v thn 30 Akn- v P\-d
amt\-Pamv _mwq-cnse {]i-kvXa

- mb
CUy Cn-yqv Hm^v amt\-Pvsan
eoUjnv BUv amt\-Pvsan khntij ]cn-io-e\w \In. Av Hmôkamsc Xmsg-d- b
- p hntZi ]cn-io-e\
- pw / ktf\pabp.
Imen-t^mWn-bb
- nse mt^mUv Un.F- k v . - k n- b n AUzmkv U v amt\Pvsa v t{]m{Kmw.
ssN\-bn jmMvlm-bn-bnse tm_
AUzmkvUv amt\-Pvsa v t{]m{Kmw.
sI\n-b-bnse ss\tdm-_n-bn shp-\S FEDAI hmjnI tIm^-dkv.
Ata-cn-b
- nse sItmKv kvIq Hm^v
amt\-Pvsa v.
S 2009 E {i { li . 5.58
J vE S 2010 E {i { .
5.80 J M*
14.5
|Ih EG
YxVx Exp E{] I / r Ij E

n xxi +v { ] n E
Yx, VMEi + E E +tix Ex E
o] z |Ih EG SB MB*
Ivx E n x 179 |Ih EG
E +Vx E M VE ii 2,567
+vE 1,497 M +vxl ] + 158
+vxl ] E |Ih n M*
14.6
+xiE |Ih EG E +iH

616 +vE E i E +x lx il
]] E +En, McM, ]] E <]]]
+ b{h], nn, ]] E ]
EV, nn, ]] E <]]] + <xx
Bhb ExEx xVx], nn, E EM
t ( ) {h, ] E |xvx
l, {h, <bx <]]] + xVx], M
Bbx]] ] EV + <b, nn,
+< +En, MWn +n |ixH
E M*
14.7
E E xi+ E |Ii Ex i
30 E |xvE E |iì <bx
<]]] + E xVx], M xii
+ |xvx |Ih n M l* VE 5
+vE E xxJi n |Ih/x
M x E B |ixH E M*
]xb V B , Eh Bbxb
|xvx EG
2009 to Rs.5.80 lac at the end of March

2010.
14.5 Training Programmes

A variety of Training programmes are
conducted at the Learning centres to update
the knowledge, awareness and skills of the
staff members on an ongoing basis with
particular reference to corporate goals/
concern areas. During the year under
review 179 training programmes were
conducted imparting training to 2,567
officers, 1,497 non-subordinate staff and
158 subordinate staff.
14.6 In addition to in-house training
programmes at Learning Centres in
Thiruvananthapuram and Ernakulam, 616
officers were deputed to other institutions
in India like the State Bank Academy,
Gurgaon, State Bank Staff College,
Hyderabad, State Bank Institute of Rural
Development, Hyderabad, State Bank
Institute of Information and Communication
Management, Hyderabad College of
Agricultural Banking (RBI) Pune, National
Institute of Bank Management, Pune, Indian
Institute of Management, Bangalore,
Administrative Staff College of India,
Hyderabad, CBI Academy, Gaziabad , etc.
14.7 In order to nurture the future leaders
of the Bank, 30 Assistant General Managers
were given a customized Leadership &
Management Training at the prestigious
Indian Institute of Management, Bengaluru,
while 5 officials were deputed for attending
the following foreign trainings / Conferences:
Advanced Management Programme at

Stanford GSB, California
Global Advanced Management

Programme at Shanghai, China
FEDAI Annual Conference at Nairobi,

Kenya
Kellogg School of Management, USA
xM< Sx ME Bbxb |xvx EG
x , Ex c< E x
EM E + xVx], B B.
43
14.8 {]h\ anIhn\p AwKoImcw
14.8
x{nx {Sx
2008- 09- MD's v / CGM's _v AwK- -SpXz-n\v 22 imJ-I sXc-s-Sp-s
2008-09 E B Bb C/ VB
I-bpw, {]tXyI NS-nshv imJm-Xe
- h
- - C E ni E B < J+ E Sx
m-scbpw imJm {]Xn-\n-[n-Is
- fbpw A\ptam-Zn-p-Ibpw sNbvXp. \S-p-hjw cp + B J |J + ] |ixv E
]pXnb t{]mm-l-\-]--Xn-I Ah-X-cn- ixxi{ +Vi BE
np F.-Pn.Fp-am-cpsS {]I-S\
-
- nse
anI-hn-\m-bp AhmUv (do-Py), Poh-\- xi E M* n x |ix VxB
mp- t hn {]h- \ - a n- I - h p- a mbn
E |xvE (Ij) E =iE] x{nx
_n-n t{]mm-l\
- ]
-
- X
- n.
E B + ] E B x{nx r |ix
14 . 9 hmb--\-im-ebpw t\mfPv
Vx | E M<*
t^mdhpw
Poh-\-mcnepw ]m-fn-I-fnepw hmb-\mioew hfp-X
- n-\mbn Xncp-h\
-
- ]
- pcw
teWnwKv sk-dnse hmb-\i
- me ]pXp-n- W n- b p- I bpw t\Xr- K p- W w, \qX- \ - X zw,
am-nw-Kv, hyn-Xz hnI-k\w XpS-nb
hnj- b - - s f- p- d n- p ]pkv X - I -
hmp-Ibpw sNbvXp. hnZym-`ym-k]
- c
- a
- mb
kn.-Un. tdmap-I ImWp-X
- n\pw C-]T
- \
samUyq-fp-I D]-tbm-Kn-p-X
- n-\p-ambn 4
]pXnb Iyq-d- p-I m]n-n-p-v. Fm
Ggv tkmW / doPy-W Hmô-kp-If
- nepw
{]h- \ - - a - a mb hmb- \ - i m- e - I
{]mhn-Ia
- m-n-g
- n-p. slUv Hmôknse a\p-jy-hn-`-h-tijn hn`m-K-ns
B`n-ap-Jy-n-ep t\mfPv t^mdw Poh-\mv hnm- \ hpw sshZ- K v [ yhpw
]Ip-sIm-Sp-p-X
- n-\mbn Fm shnbm-gvNbpw _mnw-Kv, t\Xr-Kp-Ww, hynXz- h n- I - k \w XpS- nb hnj- b - - f n
mp-I FSp-p-p.
14.9
{iE + Yx S
14.8 Performance Recognition

Twenty two branches were selected for
membership of MDs Club / CGMs Club
for the year 2008-09 and the Branch Heads
and Staff Representatives were felicitated
at a glittering function held at
Thiruvananthapuram. Two new Incentive
schemes Award for Excellence in
Performance of AGMs (Region) and
Performance Linked Incentive Scheme for
Staff were introduced.
14.9 Library & Knowledge Forum

In order to inculcate reading habit among
the staff/participants, the library at Learning
Centre, Thiruvananthapuram was
renovated and books on Leadership/
innovation/marketing / personal
development etc were added. Four
computers have also been installed in the
Library, for viewing educational CDs and
use of e-learning modules by the
participants. Functional libraries have also
been made operational in all the 7 Zonal/
Regional Offices. To impart knowledge/
skills to the staff, weekly sessions were held
by the Knowledge Forum coordinated by
HR Department at Head Office, on Fridays
on various topics related to Banking,
Leadership, Personality Development, etc.
15. ]n-IP
- mXn/]n-Ih
- /\yq\-]
- k
- a
- p-
] / M E S {`x +ni {n Ex
E =ql YxVx Exp, ixxi{ E
{iE E xEh E M + =
xii / xxi / {hx / HE E
+n { {iE Vc n* IE b nJx
+ M u <-xM b E ={M
Ex i S E{] M M* 7 +SE
/ Ij E |VxE {iE
S E M* ] E Yx/nIi nx i
G E EM, xii, HE E +n
z { |vx E E x vx
M u xi Yx S E VB {iE
EIB S M l*
15. StaffSC/ST/Minority
Zmb/hnap--`-S-m/hnI-emw-K Fo
hn`m-K-m-bp sk
15.
Im- c y- t\mp- - X n\pw Ah- c psS

Xm-cy- kwc-n-p-X
- n-\p-ambn P\d amt\-Pc
- psS dmn-ep No^v sebvk
Hmô-k \bn-p {]tXyI ]n-IP
- m-Xn-]-n-Ih
- sk _mn-\p-v. slUv Hmôkv, tkmW/doPy-W Hmô-kp-I Fnhn-S
- f
- nse sebvk Hmô-kam Cu
skns\ klm-bn-m-\p-v. ]n-IP
- mXn /
]n-Ih
- Poh-\
- m-cpsS ]cm-Xn-I ]cnl-cn-p--Xn-\mbn _mns slUv Hmôknse sk Fkv.-_n.-Sn. Fkv.kn/Fkv.-Sn.
m^v sh^-b Atkm-kn-tb-j-\p-ambpw
DX DtZym-K--cp-ambpw IqSn-m-gvN-I
Imem-\p-kr-X-ambn kwL-Sn-n-p-p. _mv
Fm-hn[ kuI-cy--fp-ap Hcp Hmôkv
Atkm-kn-tb-j\p \In-bn-p-v. hcn-kwJy
AS-bvp--Xn\v sNv--Hm^v kuI-cyhpw
Atkm-kn-tb-j\v A\p-h-Zn-p.
+ V / + V V ES E Eh B i
E vx Jx E B |vx E {E
+vE E i |xvE E {n
J {E +vE E xii BE {lE EI
* =xE Ei E xh i =SS |xvx
E l B ] + V / + V V ] Eh
P E |ixv E +vE È E l
Ei * Bx E V x
VVi E { |nx E* n
u P E +nx E Mix E B SE
+ v |nx E *
Community (MC)/Ex-ser./PH Cell
] + V / + V V / +{ JE The Bank has a separate Cell headed by a

]-n-IP
- mXn/]n-Ih
- Poh-\
- m-cpsS ta- n (B ) / i{ xE / EM EI Chief Liaison Officer in the rank of General
Manager assisted by Liaison Officers at the
Module levels, to take care of the welfare
and interests of the SC/ST employees.
Periodical meetings of the Liaison Officers
with the Chief Liaison Officer and of the
representatives of the SBT SC/ST Staff
Welfare Association with the Top
Management, are held to understand their
specific issues, if any, and to redress their
grievances. The Welfare Association has
been provided with furnished office premises
with all infrastructure. Salary check-off facility
for payment of subscription by the
members to the Association is also
provided.
44
15.1 t\cn-p \nb-a\

-
- n ]n-IP
- mXn
]n-I-h hn`m-K-p kwh-cWw

- -
- n\psS _mn 1972- epw m\-b
\p kwh-cWw 1978- epw Bcw-`n-n-cp-p.
t\cn-p \nb-a\
-
- nepw Hmô-k tIUdn-te-p m\-b
- -
- nepw ]n-IP
- mXn
-
hn`m-K
- v 15 iX-am-\hpw ]n-Ih
- hn`m-K
- mv 7.5 iX-am-\hpw kwh-cW
amWv Gs-Sp-n-bn-p--Xv. sdn-
tIU-dn-tepw kt_mUn-t\v m^nsbpw t\cn-p \nb-a-\-n\v AXmXv
kwm\ km-cpI \ntZ-in-n-p
kwh-cWw Dd-p-h-cp-n-bn-p-v.
15.1 E +xSi Vi + +xSi VxVi
15.1 Reservation policy was introduced in
1972
the Bank for Scheduled Castes and
E B v i
1978
+ {nz i
+Ih xi E M< l* +vE
recruitment and from 1978 in promotions.
Eb v i + {nz i nx + V E
15%
hn`mKw
STs are provided both in direct recruitment
n M * {E Eb + +vxl ]
as well as in promotion to officers cadre
Eb E v i V E u xvi
up to the specified levels. In direct
|iii +Ih n Vi *
recruitment for Clerical cadre and

Subordinate staff cadre, reservation at the
15.2 31
Category
+V
Total
SC
2010
E ] li + + V
/ + V V E B +Ih xS n *
BsI Fkv.-kn.
Reservation at 15% for SCs and 7.5% for
+ + V V E B 7.5% +Ih
15.2 2010 amv 31-\v Poh-\-m-cp-sSbpw
]n-I-PmXn/]nIh hn`m-K-p
kwh-c-W-n-sbpw \ne Xmsg-sm-Spp-p:
Scheduled Tribes from 1972 in direct
percentage prescribed by the respective

State Governments is provided.
Fkv.-n.
+VV
%
ST
Hmô-kam
+vE
Officers
sdn-
{E
Clerical
4,182
583 13.94
127 3.04
5,784
800 13.83
177 3.06
1,822
505 27.72
83 4.56
404
120 29.70
10 2.48
12,192
2,008 16.47
397 3.26
kt_mUn-t\v
+vxl
Subordinate
]n.-n.-Fkv
BsI
{ ] B
Total
PTS
15.3 kwh-cW N- kw_-n Cym
Khsans am-\ntZ-i
- f
- \
- p-kc
- nv
XkvXnIm[njvTnX tPmen ka-bh
- n-hc
-
- - nI
_mv Xm-dm-n-sh-n-p-v.
15.4 ]n- I - P mXn]- n- I - h hn`m- K ns DtZym-Kmn-Iv \nb-a-\n\pw m\-b
- -
- n-\p-ap Fgp-p]- c o- - I - f n 5 iX- a m\w amns
Cfhpw \nb-a\
-
- n-\p {]mb-]c
- n[nbn
5 hjs Cfhpw A\p- h - Z n- n- p- v .
Fm \nb-a\
- k
- w-cw-`
- f
- nepw Fm {]apJ
]{X-f
- nse ]c-ky-f
- nepw samw Hgnhp-If
- psS F-tm-sSmw ]n-IP
- m-Xn-]
- n- I - h K kwh- c - W - a p Hgn- h p- I - f psS
Fhpw hni-Za
- m-bn-s \Im-dp-v.
Atkmkntbv _mpIfn, s{]mt_

jWdn
Hmôk,
sdn
XkvXnIIfn dn{Iqvsan\p ap]mbn
SC/ST/Minority/ Ex-Service ImKdnbnep
DtymKmnIv {]o FIvkmant\j
ss{S\nwKv kwLSnnp. Hmôk
tIUdntev s{]mtamj\p thnbpw
Visit of National Commission for Scheduled Castes

Dr. Buta Singh, Honble Chairman, National Commission for Scheduled Castes
greeted by the Managing Director, Shri A K Jagannathan.
15.3
E +Ih x E Exx i
i E Mxn E +x {n +vi
] J Vi *
15.4
+ V + + V V E =n E i
+ {nz i E B Ji {I 5% +E
+ =SS + 5 E U] n Vi *
i +x H E E J +
+ V / + V V E B +Ii H E
J |J S {j |Ei E M
l* M E {E ] + {I
+vE E i {I `x + V +
+ V V / +{ JE/ i{ xE =n
E {I{ |Ih n Vi * M +vxl
+vE Ec {nz i E B `x +
V + + V V M E ES E B
|Ih EG S M l*
15.2 As on 31st March 2010 the

percentage of SC/ST employees in the rolls
is as under:
15.3 Post based rosters as per Government
of India guidelines are maintained in the
Bank.
15.4 A Concession of 5% of marks in
written test for recruitment as well as for
promotion and relaxation of 5 years in
upper age limit in recruitment are allowed
to candidates belonging to SCs and STs. In
all the recruitment drives, the total number
of vacancies and number of vacancies
reserved for SCs and STs are advertised
extensively in all the major newspapers. Preexamination training programmes were
conducted for candidates belonging to SC/
ST/Minority/ex-servicemen category
appearing for recruitment test of clerical staff
and Probationary Officers in Associate
Banks. Training programmes were also
45
]cnioe\ mpI kwLSnnppv.

15.5 tI{-km-cns km-n-IImcy
hIppw _mpw Xn kwh-cW D-chp-I-fp-ambn _-s Imcy--sf-p-dnp hnhcw \Ip- - X n- \ pw, tNmZyv Dcw \Ip--Xn\pw kwi-b Zqco-Ic
- n-p-X
- n\pw sk {]hnpp. kwi-bI
- c
- a
- mb PmXn kn-^n-p- I - s f- p- d n- p tIkp- I AXXv
kwm\ km-cp-I cq]o-I-cn-p
aqwK ]cn-tim-[\
- m-ka
- n-Xn-bpsS ]cn-KW
- \bvv hnSp-Ibpw XpS\-S]
- S- n-I kqvaambn ]np-S-cp-Ibpw sNp-p. ]cn-tim[\m kan-Xnv t_m[y-s tIkp-If
- n
\ntZ-in--s \S-]-Sn-I-sf-Sp-p-p.
15.5
|vx E E + V / + V V EI,
E + i E k j E S
+Ih +n u E EB MB E
v VxE E {i, |x + E
=k nx + n n Ex E {E E E
{ E Ei * nMv Vi |h{j E
E r V E u Mì 3
n I i E E Vi
+ vx{E +xix E Vi * i{i
I i u EB +x
E< E Vi *
15.6 sk Xmsg-d
- b
- p Imcy- Dd-
p-h-cp-pp
\nb-a-\w, DtZym-K--b-w, ap tkh\
B\p-Iq-ey-/Cf-hp-I/kuP-\y-
Fo Imcy-f
- n e`y-amb kwh-cW
- s- bpw
apw kw_-n \ntZ-i
- fpw D-ch
- p-Ifpw
_mv bYm-hn[n \S-m-p-I-.
SC/ST hn`m-K
- f
- psS kwh-cW
- \
- n-baw \Sm-p--Xns ]ptcm-K-Xn-sb-p-dn-p
hmjnI Ah-tem-I\ dntmv Ub-dI
- vS
t_mUn\v kan-p-I.
kwh-cWw sNbvX Hgn-hp-I kwh-cWw
sN-s-Sm hn`m-K-n-tev ampXv
No^v sebvk Hmô-kd- psS ]q Adnthm-sSbpw k-Xt- m-sSbpw am{Xw kmn-II
- mcy hIp-ns _mnwKv hn`m-Ks
Adn-bn-p-I
15.6
EI xSi Ei :
+ V
{nzi
i
E E
/ + V V E {I =x +xi i /
E + +x V
/ U] vi +n + +xn
u +x{x
conducted for employees belonging to SC/

ST category appearing for promotion from
non-subordinate cadre to officer cadre.
15.5 The SC/ST Cell at Head Office acts
as a Liaison Office between Bank and the
Ministry of Finance, Govt. of India for supply
of information, answering questions and
queries and clearing doubts in regard to
matters covered by the reservation orders.
Cases of suspicious caste certificates are
referred to 3 Member Scrutiny Committee
constituted by the respective State
Governments and followed up closely. In
verified cases, actions as recommended by
the Scrutiny Committee are taken.
15.6 The Cell also ensures:
Compliance by the Bank with orders and
instructions pertaining to the reservation in
favour of SCs/STs in the matter of
recruitment/ promotions and other service
benefits such as relaxations/ concessions
admissible to them.
+ V / + V V E B +Ih xi E
Exx E |Mi { E I {] Placing of Annual Review Report on the
progress of implementation of reservation
xnE b E |ii Ex*
policy for SC/ST to the Board of Directors.
+Ii H E +Ih H Ex E v De-reservation proposal has been made
k j (EM |M) E ii B + with the full knowledge and concurrence of
the Chief Liaison Officer, while making
J {E +vE E {h VxE i E
reference to the Ministry of Finance (Banking
tZiob ]n-IP
- mXn/]n-Ih
- Io-j
Division) regarding de-reservation of
]pd-s-Sp-hn-p \ntZ-i-fpw am- l +Ih H |i E M *
\ntZ-i-fpw \S-m-m-\mbn DNn-X-amb
] + V / + V V +M u V EB reserved vacancies,
\S-]S- n-I _mv FSp-pp
The Bank takes appropriate steps to
MB +xn / Mxn E Exx i E
Un.-]n.-kn.-I-fn-sebpw ske-Ivj Inimplement instructions/guidelines issued by
n-If
- n-tebpw ]n-IP
- mXn/]nI-h hn`m-K- u =Si E< E Vi *
the National Commission for SC/ST.
ns AwK- - f psS Imcy- n

Cym Khsans \ntZ-i
- ]men-s-Sp-p
+ V / + V V / +{. . n r b GOIs directions are followed in respect

{ / Sx i E v i E E of DPCs/ Selection Committees pertaining
to SC/ST/MC members.
m]-\
- n kqn-n-p tdm-dp-I- xn E +x{x E Vi *
fpsS hmjnI ]cn-tim-[\ \S-pI hgn

kwh-cW D-ch
- p-I _mv bYm-hn[n \Sm-p-p15.7
Proper implementation of the reservation
M`x x E J M ] E E orders by conducting annual inspection of

xIh EE +Ih +n E =Si Exx the rosters maintained in the organization.
P\-d amt\-Pc
- psS dmn-ep No^v Ex*
15.7 Apart from SC/ST Cell, Bank has set
sebvk Hmô-k A[y-\

- mbn hnIemw-K / hnap`S-m skpw H.-_n.-kn.
skpw _mv cq]o-I-cn-n-p-v. ]n-I-Pm-Xn- ] - n- I - h skn\p ]pd- t a- b m- W n- X v .
]ntm kap-Zmb skns Ay-
sU]yqn P\-d amt\-P-cpsS dmn-ep
No^v sebv k Hmô- k - d m- W v . Av
tkmW Hmô-kp-I-fn-tebpw apwss_-
15.7
+ V / + V V EI E + E x
|xvE E {n J {E +vE E
xii EM / i{ xE EI + +
EI + |vx E, {S +SE
E, + < + x< n n Ij
up PH/Ex-Servicemen Cell and OBC Cell

headed by Chief Liaison Officers in the rank
of General Managers and Minority
Community Cell headed by Chief Liaison
Officer in the rank of Deputy General
Manager assisted by Liaison Officers at
Head Office, five Zonal offices, and two
46
bnepw \yqsUln-bn-ep- cv {]mtZinI tI{--fn-sebpw sebvk Hmôkam Cu skp-Isf klm-bn-m\p-v.

_-s hn`m-K--fns Poh-\-mcpsS ta- I m- c y- {in- p- I bpw
XmXv ] - c y- kwc- n- p- I - b p- a mWv
ta-d skp-If
- psS Npa-Xe
- . sk
Xmsg-d- b
- p Imcy- Dd-p-hc
- p-pp:
E r M E ES E Eh
B i E I E B {E +vE E
i ={ |xvE E {n J {E
+vE E xii BE +{ JE n
EI E M`x E M * EI xSi
\nb-a\
- w, DtZym-K
- b
- w av tkh-\m-\p- Ei :Iq-ey- XpS-nb Imcy-f
- n hnap
i{ xE + EM E {I i /
`S-mpw hnI-emw-Kpw e`y-amb kwhc- W - s bpw av B\p- I q- e y- - s fbpw {nz i + +x E H
kw_-nv \ntZ-i
- fpw D-ch
- p-Ifpw
lx E +Ih vi +n + +xn
_mv bYm-hn[n \S-m-p-p\nb-a\
- w, av tkh-\m-\p-Iq-ey- Fn- E E u +x{x*
h-bpsS Imcy-n \yq\-] hn`m-Kw, av

]ntm hn`mKw Fn-hv e`y-amb
kwh-cW
- s
- bpw av B\p-Iq-ey-s
- fbpw
kw_-n \ntZ-i
- fpw D-ch
- p-Ifpw
\S-m-p-p-
15.8 {][m\ ki-\-/

]cn-tim-[-\-I
tUm. _qm-knwKv Ay--\mb tZiob
]n- I - P mXn Io- j 2009 Pqsse 1\v
\psS _mnse kwh-cW \b-ns \Sm- Ah-tem-I\w sNbvXp. tbmK-nep-bph \S-]S- n-bvp hnj-b
-
\S-m-n-sm-n-cn-p-p.
Regional Offices at Mumbai and New Delhi

to take care of the welfare and protect the
interests of the employees belonging to the
respective sections. The Cell ensures:
instructions pertaining to the reservation of
vacancies in favour of Ex-Service and
Physically Handicapped in the matter of
recruitment/promotions and other service
benefits.

instructions pertaining to the reservation of
vacancies in favour of MC/OBC in the
matter of recruitment and other service
benefits
+{ JE n / +x {Ub Vi E
{I i + +x E H
lx E +Ih vi +n + +xn 15.8 Important Visits / Inspections
The National Commission for Scheduled
E E u +x{x*
15.8
i{h n / xIh
Castes headed by its Honble Chairman,

Dr. Buta Singh conducted a review of
implementation of Reservation Policy in the
Bank on 1st July 2009. The action points
that emerged in the meeting are being
implemented.
xx +vI b. ] E xii Mì

] +xSi Vi +M 01 V< 2009
E E +Ih xi E Exx E I
E* È =`B MB E xn+ E Exx 15.9 An inspecting team from the Ministry
15.9 sU]yqn sk{I-dn {io. F.-sI.
of Finance headed by Shri L K Meena,
aoWbpsS t\Xr-Xz-n-ep-, km-n- E V *
IIm-cy-h-Ip-ns ]cn-tim-[\m kwLw
\psS _mv 2009 sk]v w- _ 11 - \v
kin-p. _mn kqn-n-cp tdmdp-I kwLw ]cn-tim-[n-p. kwh-cW
- h
- pambn _-s hnhn[ \nb-a
- fpw \nb{-W-fpw \psS _mv A\p-hnpXn kwXr]vXn tcJ-s-Sp-n.
16. hymh-km-bnI _-
16.1 Fwtm-bokv bqWn-b\
- p-ambpw Hmô-
tkgvkv Atkm-kn-tb-j\
- p-ambpw Imem-Ime-f
- n \S-n-bn-p-Xpw ê-{]-Zs
- ap
sXfn-n-p-X
- p-amb D`-bI
- n N-I
{]iv\-]-cn-lm-c-n\pw kulm-]-c-amb
hyh-kmb _w \ne-\nm\pw klmbn-n-p-v.
15.9
. B. E. x, ={ S E xii
k j BE xIh n x 11 i 2009
E E E n E* E J M< +Ih
S E n u xIh E M + E
+Ih vi z x + x
E +x{x E i { i |E] E*
16.
+tME v
16.1
ES P il +vE P E l
+vE È E WB M`x E z i
{ {Ii u{I È E l +
16.2 Fwtm-bokv bqWn-b\
- p-ambpw Hmôtkgvkv Atkm-kn-tb-j-\p-ambpw slUv + E vx E Eh {h E
Hmôkv Xe-nepw tkmW Hmôkv Xe- +tME v n{h + n{h *
nepw Imem-Im-e
- f
- n D`-bI
- n NI \S-p-Ib
- p-m-bn. Ipa-cI
- v shv
2010 s^{_p-hcn 22\v ABOA bpambn _mv
tI{ D`-bI
- n N \S-p-Ib
- p-m-bn.
Csmw m^v shs^-b In-n-If
- p- n-Xn-If
- p-sSbpw Bdv
sSbpw SWF s D]-ka
tbmK- tNp.
16.2 |vx
E i il +SE E
i { ES P + +vE P E l
u{I È E +Vx +* E x 22
2010 E B + B E l EE
Deputy Secretary, visited the bank on 11th

September 2009. The reservation rosters
maintained by the Bank were inspected by
the team which expressed satisfaction over
the level of compliances of various rules
and regulations pertaining to reservation in
the bank.
16. Industrial Relations

16.1 The time tested mechanism of bilateral
negotiations at various levels of the
organisation with the Employees Union and
the Officers Association through periodical
structured meetings and redress of the
issues ensured harmonious and cordial
industrial relations in the Bank throughout
the year.
16.2 Bipartite meetings were held with
Employees Union and Officers Association
at Head Office level and Zonal Offices at
periodic intervals. The Bank hosted the
Central Bipartite meeting with ABOA on
47
16.3 hyh- k mb Xe- n Poh- \ - m- c p-
tSbpw Hmô- t k- g v k n- s bpw kwbp- ambpw sht-sdbpw D ka-c

- 2009
BKv 6 & 7, 2009 Unkw-_ 16 Fo
Znh-k
- f
- n \S-p.
16.4 \S-p-hjw Poh-\
- mp ta-
]-X
- n-Ifn _mv Htsd ]cn-jvIm-c
-
/ sa-s-Sp-e
- p-I \S-m-n. Poh-\
- mcpsS `mcy/`m-
- mpw, hnc-an Poh\- mpw Ah- c psS `mcy/`m- mpw BtcmKy ]cn-tim-[\
- b
- vp sNehmb ]Ww XncnsI sImSp-p-Xv h[nnp. Poh-\
- mp kq kpcm
Cjz- d kv ]- X n- b psS sbnw XpI
3, 50, 000 cq]- b n \npw 5, 00, 000 cq]bmbn Dbn. Poh- \ - m- c psS a
p kvtImfjn]v XpI hn-np XpSn-bh Ch-bn- Nne-Xm-Wv.
16.5 Poh-\-m-cpsS kmln-Xy-, Im-bn-I,
kmwkvIm-cnI BtLm-ja
- mb _mvs^v
2010 s^{_phcn 5 apX 7 hsc Xncp-h\
- - ] p- c v shv kwL- S n- n- p. Fm
tkmWp-If
- n \np-ambn 500- A-[nIw
Poh-\
- m AXn ]s-Sp-p.
17. kpcm {Iao-I-c-W-

kpc- m- ] n- g - h p- a qew \psS _mn
]Wtam hne-]n-Sn-p hkvXp-tfm \jvSs-n-n-m asmcp hj-amWv IS-p-t]mb-Xv. kpc--bp-ambn _-sv 11 {ia / kw`-h
- BWv Ign hjw
Dm-bs
- X-n C-hW
- , Acw Fp
kw`- h - - f m- W p- m- b - X v.
Ch- b n
\msew A{]-[m\ kz`m-ha
- p-h
- b
- m-bn-cpp. av \mse-a
- m-hs Xo]n-Sp kw`-h-fp-am-bn-cp-p. _mv imJ-If
- psS kpc-bpsS KpW-\n-eh
- mcw Dbm-\p Htsd
\S-]S- n-I FSp-p-hc
- n-Ib
- m-Wv. Fm imJI- f nepw kwtbm- P nX An- - k p- c m
Aemdw kwhn-[m-\
- m]n-p-sIm-ncn-p-Ib
- m-Wv. A]m-bk
- m-y-Xb
- p imJI-fnse kpc \ne-hmcw Dbp--Xn\mbn ap ]e \S-]S- n-Ifpw FSp-p-hc
- p-p.
Fm sat{Sm-I-fnepw h \K-c--fnepw
A]m-b-km-[y-X-bp imJ-I-fnepw CCTV
m]n-p-sIm-n-cn-p-Ib
- m-Wv. kpc-m-\ne-hmcw Dbp-X
- n-\p kp{]-[m\ \S]-Sn-If
- mWv ta ]cm-ain-X
- v. A]m-bk
- m[y-Xb
- p imJ-If
- p-sSbpw Idkn tiJcnp shbvp s]n-bp-sSbpw ùXn-Ik
- pc kpi-a
- m-p-X
- n-\p-thn IqSp-X
kpcm KmUp- I sf \nb- a n
]ptcmanp-sIm-n-cn-p-Ib
- m-Wv. FIvkvtd
Exp u{I È E Wx E* E
nx ] Eh i + ] Eh
xv E ={i E 6 È +Vi E M<
l*
16.3 +tME i { ES + +vE
16.3 At the industry level, there were joint

and separate strikes by the employees &
officers on 6th and 7th August 2009 and
16th December 2009.
+ 07 +Mi 2009 + 16 n
2009 E H + {lE ci E l*
16.4 The Bank has introduced many
16.4 E E n x ] E {i / {ix + improvements/modifications in the staff
xk ] + =xE {i/{ix E l welfare schemes during the year, including
higher reimbursement on health check up
SE-+{ E B =SSi |i{i, ] E B charges for spouses of staff members and
{ I Vx E B n 3,50,000 for retired staff and their spouses,
5,00,000 {B gE, ] E SS E enhancement of the claim amount from
Ujk r +n E E ] Eh Rs.3,50,000/- to Rs.5,00,000/- for Super
Suraksha Insurance scheme for staff,
Vx+ +xE v / vx B*
enhancement of scholarship to wards of staff
x
06
22nd February 2010 at Kumarakom. Staff

Welfare Committee and Sub-committee
meetings of Staff Welfare Fund were held
6 times during the year.
16.5 5
7 2010 iE ixxi{
] iE, JEn il EiE ,
E ] +Vi E* +S 500
+vE ] n x < M *
17.
I lB
< I j] E Eh E E E c
x i+ E E< x x <* {U
E 11 P]x+ E ix < 8 |
/ I P]xB P] Vx S Mh E
l +x S +M E l* E J+ E I
E MhiE { vx E B +xE ={
E V * BEEi +M + I +
] J+ M V * +Ii
J+ E I E vx E B E< +x
={ EB V * xM, b
xM + +Ii J+ ]
M V * ={H ={ I vx E
i{h En + +vE I Mb E
i, V S , E S] + +Ii
J+ E iE I + Wi
VBM* BC MV Ex Mx |vx
E E I Wi M<* Q |vx
E ] MB VBM*
+vE E ={vi J+ +Mx I
etc.
16.5 The Staff Literary, Sport and Cultural
Festival, Bankfest, was conducted at
Thiruvananthapuram from 5th February to
7th February 2010. More than 500 staff
members participated from all the Zones
17. Security Arrangements

This has been another year without any loss
of cash or valuables to the Bank due to
security lapses. There were eight attempts
/ security incidents this year compared to
eleven last year, of which four were of minor
nature. The other four were fire incidents.
A number of measures are in the process
to qualitatively improve the security of bank
branches. Integrated fire and security alarm
systems are being installed in all branches.
Many other measures are being taken to
upgrade the security of vulnerable branches.
CCTVs are being installed in all metros, large
towns and vulnerable branches. The above
measures are significant steps to upgrade
security. Recruitment of more security
guards, which is in progress, will further beef
up the physical security of currency chests
and vulnerable branches. Head Office
security has been strengthened by
installation of X-ray baggage scanner.
CCTVs would also be installed at Head
Office shortly. The availability of a fire officer
48
_mtPv kvIm\ m]nv slUv Hmôknse kpc kpZr-V-am-n-bn-cn-p-p.

slUv Hmô-kn sshImsX Xs CCTV
Ifpw m]n-p--Xm-bn-cn-pw. imJ-Ifnse An-ia
- \ kwhn-[m-\
- f
- n ^b
Hmô-kd- psS e`y-Xt- bmsS kp{]-[m-\a
- mb
sa- s - S - e m- W p- m- b n- c n- p- - X v . _mv
imJ-I-fnse kpcm ko-I-c-W-,
skIyq-cnn Hmô-kam-cpsS ki\
thf- I - f n Ah- t em- I \ hnt[- b - a m- pIbpw thn-h-m, Bh-iy-amb Xncp \S-]S- n-I FSp-p-Ibpw sNp-p.
kpc-b
- psS Fm hi-fpw ka-{K-ambn
{]Xn-]m-Zn-p Hcp ssIp-kvXIw _mv
]pd-n-d-n. IqSm-sX, imJ-I-fnse kpcm-kw-hn-[m-\- sa-s-Sp-p--Xn\mbn _-s hIpv Htsd {][m-\s
-
kp-e-dp-Ifpw Ip-Ifpw Ab-bvp-Ibp-m-bn. nc-amb ]cn-]m-Sn-I-fn-eqsS
skIyq-cnn KmUp-If
- psS am{X-a
- , Ign-bp{X Poh-\-m-cp-sSbpw kpcm Aht_m[w hfn-sb-Sp-m-\m-hi
- y-amb ]cnio-e\
-
- \In-hc
- p-p.
18. CS-]m-Sp-Imp tkh\w

18.1 D]-t`mr tkh-\
- n\v _mv apnb
]cn-KW
- \
- b
- mWv \Ip-X
- v. CS-]m-Sp-Imv
sa-s tkh\w e`y-am-m\pw Ah-cpsS
]cm-Xn-I ]cn-lc
- n-m\pw Fm {ia-fpw
\S- p- p- v . aqey- h nX, tkh\m[njvSnX \ne-hm-ca
- p tkh\w sImv
CS-]m-Sp-Imv kwXr]vXn {]Zm\w sNphm _mv {]tXyIw {in-p-p.
18.2 CS-]m-Sp-Im-cpsS ]cm-Xn-I ]cn-lc
- n-p-
-Xn\v kpk-a
- mb Hcp ]cmXn ]cn-lmc
kwhn-[m\ _mn \ne-hn-ep-v. e`nXpw,
Xop-InXpw, Xop-Inm
Xpamb ]cm-Xn-I-fp-sSbpw Fw kw_nv sam- n- e p dntmp- I
_mns t_mUn\pw slUv Hmô-knse
D-X-Xe I-a khokv In-npw
kan-s
- -Sp-p. Xmcm]q In-n-bpsS
ip]mi-{]-Imcw cq]o-Ir-X-amb I-a
khokv mUnwKv In-n, _mns
tkh\ \ne-hmcw \nnX CS-th-f-I-fn
Ah-tem-I\w sNp-p-.
18.3 2010 P\p-hcn 1 apX _mns slUv
Hmô-kn Hcp Akn- v P\-d amt\P Ay-\

- mbn Hcp I-a khokv
Unmp-san\v cq]w sImSp-n-p-v. CS]m-Sp-Im-cpsS ]cm-Xn-I-fn-t thK-n
Xop-In-p--Xn\pw ]c-am-h[n D]t`mr kwXr]vXn Dd-m-p-X
- n-\p-amWv
apJy Du. ]cm-Xn-m-c\pw _mv imJbvp-an-S-bvp GtIm-]-\-p-a-X-e-bmWv
{]kvXpX Unmp-sa v \nd-th-p-X
- v. Hw
]cm-Xn-I {ZpX-KX
- n-bn Hp-Xom-p-p-
l+ i{h v + * I
+vE u +{x J n E I
l E xi I E Vi + V
+E viE E< E M<* M
u iiE n E { {+ E
{E { E Ei B BE xb E W
E M* <E + J+ I l
E vx E B M u E< {{j / {j
W EB MB* I Mb E x, E
Vix E =ix ] n E xi
EG E WB I VxE =i{z Ex i
|Ih n V *
has enabled significant improvement in fire

safety arrangements in branches. The
security arrangements in branches are being
reviewed constantly by Security Officers on
their visits and corrective measures taken,
wherever warranted. The Department
issued a Handbook on Security as a ready
reckoner, covering all aspects
comprehensively. Besides, a number of
important circulars/letters were issued by
the Department to improve security
arrangements in branches. Training to
inculcate security awareness, not only to the
security guards but also to as many
members of the staff as possible, is being
arranged through regular programmes.
18. CUSTOMER SERVICE

18.
OE
18.1
E OE E =SS |lEi n
Vi + OE il =xE Ei E
xh Ex i Mhk E vx i
| E M * Mhk Vi +
u Si =i{n |nx Ei B OE JvB vx nP | EB Vi *
18.2
18.1 Customer service in the Bank is

accorded top priority and every endeavour
is made to improve the quality of service
to the customers and redress their
grievances. All efforts are made to improve
the customer satisfaction by offering suitable
products enhanced by quality value-added
services.
18.2 A well-defined and full-fledged
customer grievances redress mechanism is
functioning in the Bank. Reports on the
number of complaints received / disposed
of / pending in the Bank as a whole are
submitted to the Banks Board and the
Apex Level Customer Service Committee
at Head Office. The Standing Committee
on Customer Service, constituted pursuant
to Tarapore Committee recommendations,
also reviews the quality of customer service
extended in the Bank at regular intervals.
E BE {i + {h Ei
OE Ei ij Ei * { E |{i /
x{] M / i Ei E J v
{] E E b + |vx E i
OE i E |ii E Vi * i{
i E +xix Mì OE
{ l i u E u n Vx
OE E Mhk { xi +i {
18.3 A Customer Service Department
I E Vi *
18.3
E |xvE E xii BE
OE M 1 Vx 2010 |vx
E Mì E M * J OE
Ei E Q x{] + +vEi OE
i] xSi Ex { * M, J +
EiEi E S xE E { E
Ei + Ei E ii x{]x xSi
Ei * +xE Ei = nx Z
Vi * |vx E / +SE E
headed by an Assistant General Manager

has been formed at Head Office with effect
from 1st January 2010. The main emphasis
is on quick disposal of customer complaints
and ensuring maximum customer
satisfaction. The Department acts as a
coordinator between the branch and the
complainant and ensures quick disposal of
the complaints. Many of the complaints get
resolved on the same day itself. The average
time taken for disposal of complaints at
Head Office / Zonal Office level has been
reduced drastically.
49
shpw Dd-m-p-p. Htsd ]cm-Xn-I

AtX Znhkw Xs ]cn-l-cn--s-Sp-p.
slUv Hmôkv / tkmW Hmôkv
Xen ]cmXn ]cn-l-cn-m-s\-Sp-p
icm-icn kabw KWy-ambn Ipd-n-p-v.
18.4 ]pXnb I-a khokv Unmpsa v m]n-Xpw s]s-p {]Xn-Ic
- W
- fpw hfsc ip`-Ic
- a
- mb ê-am-Wp-m-bncn-p-X
- v. ]cm-Xn-If
- psS Fw KWy-amb
tXmXn Ipd-n-p-v. _mns thK-nep {]Xn-I-c-Wnepw {ZpX-K-Xnepw
]cm-Xnbvv ]cn-lm-ca
- p-m-n-bXnepw ]e
]cm-Xn-mcpw BmZw {]I-Sn-n-p-I-bpm-bn.
i { Ei E x{] i B Vx
i E M*
18.4
18.4 The establishment of the new

Customer Service Department and the
immediate response has had very positive
impact. The number of complaints has
come down significantly and many
complainants have conveyed their
appreciation for the quick response by the
Bank and immediate resolution of the
complaints.
x OE M E l{x +
iiE |iG EiE | + l*
Ei E J =Jx E + M
+ E< EiEi M x E u E M<
Q |iG + Ei E iiE vx
{ c J |E] E*
18.5 The updated version of Citizens
18.5
Charter is made available in booklet form

and also in the Banks website, which
provides customers and the general public
with the key information regarding the
common areas of customer-banker
relationship. Similarly the details of service
charges levied by the Bank are also
published in the Banks website for the
information of the public.
18.6
|vx E + +SE E
Hmôkv Xe- nepw \S- p I- a i { OE i È xME S]
khokv Inn tbmK-f
- n knn-k E Exx E |Mi + =Si i
Nm-dn-sbpw s^b {]mIvSo-kkv tImUnsbpw \S-n-n-ep ]ptcm-KXn \nco-n- E xMx E V * xIh +vE
-s-Sp-p. imJ-If
- n \Ip tkh-\ J+ |nx E M< OE E
ns KpW-\n-e-hm-chpw ]cn-tim-[\m
DtZym-K
- ]cn-tim-[\
- bvv hnt[-ba
- m-p- Mhk E VS Ei *
18.6 Progress of implementation of Citizens

Charters and the Fair Practices Code is also
being monitored at Head Office and Zonal
Office level Customer Service Committee
meetings. Inspecting officials are also
examining the quality of customer service
rendered at the branches.
p-v.
18.7 Bank has also established a Call Centre

with Toll free No. 1800-425-5566 enabling
the customers/ general public to clear their
doubts/ complaints expeditiously. Adequate
publicity of the aforesaid facilities available
to public is in place both through print and
visual media.
xME S] E +tix { {iE E

18.5 Ghpw ]pXnb hnh-c
- Dsm- { ={v E M + E E <]
n ""knn-kkv Nm'' eLp-te-JbpsS cq]-nepw _mns sh_vssk- V OE + + Vxi E OE E
nepw e`y-am-Wv. s]mXp-P\
-
- pw CS-]m- i E x Ij vi i{h VxE
Sp- I mpw I- a - - _ m- _s
kw_- n- p kp{]- [ m\ hnh- c - ni * = |E E u M M
AXn \npw e`n-bvpw. _mv CuSm- E E h Vxvh E Sx E
p khokv NmPp-If
- psS hni-Zmw-i
-
s]mXp-P\
-
- f
- psS Adn-hn-te-mbn _mns B <] |Ei E M*
sh_vsskn {]kn-o-Ic
- n-n-p-v.
18.6 slUv Hmôkv Xe-nepw tkmW
18.7
E x OE / Vxvh E +{x n /
sSbpw ]cm-Xn-I s]sp ]cn-lc
- n-p-- Ei E Q xh i ] x Xn-\mbn 1800-425- 5566 F tSm {ô \1800-425-5566 E l BE E x] l{i
cn Hcp Imsk _mv m]n-n-p-v.
C-d kuI-cy--sf-p-dnv A-Sn, E * Vx vh E ={v ={H
v+
Zriy-am-[y-a
- f
- n-eqsS Bh-iy-amb ]c-kyE ph B o v u E |S n
\In-hc
- p-p.
18.8 hnhn[ kp-e-dp-I-fn-eqsS Ghpw M *
18.7 CS-]m-Sp-Im-cp-sSbpw s]mXp-P-\--fp-
Db \ne-hm-c-n-ep D]-t`m-r-tkh\w {]Zm\w sNt-X

- ns Bh-iy-IX
_mv Dun-d-
n-p-v. CS-]m-Sp-Im-cpsS
]cm-Xn-]c
- n-lm-c
- n\v Hcp \qX\ kwhn-[m\w
SMS ""SBT CARE'' _mv Bcw-`n-n-p-v.
AXn{]-Imcw _mns CS-]m-Sp-Imv
_mns D---sf-p-dnpw tkh-\- s f- p- d npw At\z- j - W - Dsntem GsX-nepw tkh-\-s-p-dnv
Xr]vXn- b m- b n- s - ntem Hcp \nnX
samss_ \-dn-tev SMS D]-tbm-Knv
]cmXn Ab-bvm km[n-pw. _mns
cmPy-sa-m-Sp-ap Fm Hmô-kp-If
- nepw
Hmtcm amkhpw 15- mw XobXn (Av Ah[n
18.8
=SSi i E OE xB Jx E
i z {{j E WB n M* E
x OE I i B B B ""B ]
E'' xE BE x ij E * inx
OE n E E |bC] B B E
i] x i BE ] < x
B B B E WB Ei V Ei *
OE E +{x Ei E nV Ex +
OE v E B Z nx i
18.8 The importance of maintaining highest

level of customer service has been reiterated
through various circulars. Bank has also
launched an innovative mechanism called
SMS SBT CARE for customer care.
Accordingly, the customers can send a
query by sending an SMS in a particular
mobile number, if they require any
information about the Banks products and
services or if they are not satisfied with any
of the services. Customer Day or Open
House Meet is observed at all the offices
50
Znh- k tam A {]hrn Znh- k tam

BsW- n AXn- \ - S p Znh- k w)
D]t`mr Zn\-ambn BN-cn-p-hc
- p-p. CS]m-Sp-Imv Ah-cpsS ]cm-Xn-Itfm D]t`mr tkh\w sa-s-Sp-p-X
- n-\p
\ntZ-i
- tfm D-bn-p-X
- n-\p Ahk-c-am-W-Xv.
18.9 _mnMv tImUvkv & mtUUvkv
t_mUv Hm^v Cy (BCSBI)
dnkhv _mv kvt]mk sNp cPn sN-s skmsskn-bmb _mnMv

tImUvkv & mtUUvkv t_mUv Hm^v
Cy (BCSBI) bn \psS _mv AwK-amWv. CS-]m-Sp-Im-tcm-Sp _mns {]Xn-_X kw_- n \S- ] - S n- w \psS
sh_vssk-n e`y-am-Wv. _mnwKv \S]Sn{Ia-f
- psS Ghpw Ipd am\-ZW
- vU ]men-s
- -Sm-\p Hcp kzbw \nb{-WN
- - a
- m-Wn-Xv. CXv ]cn-]m-en-s
- -Sp-X
- n\mbn slUv Hmôkv Xe-n sU]yqn
P\-d amt\-P (Iw-b
- kv)s\ Npa-Xe
- s-Sp-n-bn-p-v. CXp kw_-n \nhlW dntmv _mv hjw-tXmdpw BCSBI
bvv kan-p-p-v.
19. tImtdv `cWaqey

_mv `cWaqeyfpsS anI \nhlW
ns
Imcyn
{]Xn_X
]menpp. tImtdv `cWaqeyfn
taep Hcp hniZ dntmv hmjnI
dntmns A\p_ambn DsSpn
bnpv.
x E 15 iJ E (n 15 E U]]
+v nx i +M nx E) { M`x i
E E E ""OE n''
""+{x = ]'' E +Vx E Vi *
of the Bank across the Organisation on the

15th of every month (next day, if 15th is a
holiday or half day), to enable the customers
to voice their grievances or offer suggestions
for the betterment of customer service.
18.9
18.9 Banking Codes & Standards

Board of India (BCSBI)
EM Eb Bhb ]hbb b + <b

( B +<)
E, EM Eb Bhb ]hbb b + <b
E n V i W E u |Vi
{VEi <] * OE E |i E E
Sxri E Eb <] { ={v *
SUE Eb V EM |C] E xxi
i l{i Ei * ={ |xvE (+x{x)
|vx E {nxi |vx Eb +x{x
+vE * +x{x E vi E h
E u B +< E |ii E
Vi *
The Bank is a member of the Banking Codes

& Standards Board of India which is a
registered society sponsored by Reserve
Bank of India. The Code of Banks
Commitment to Customers is available on
the website. This is a voluntary Code, which
sets minimum standards of banking
practices. The Deputy General Manager
(Compliance) is the designated Principal
Code Compliance Officer at Head Office.
The relative Annual Statement of
Compliance has also been submitted by
the Bank to the BCSBI.
19.
19. Corporate Governance
E {h i E l E{] xjh E Ij
=Si E E B |ir * E{]
xjh E ii {] +xMxE E {
E {] n M< *
20.
20. hnh-cm-h-Im-i-\n-baw
2005- se hnh- c m- h - I m- i - \ n- b aw 2005- 06
Ime-bf
- h
- n _mn \S-m-n. {]kvXpX
\nb- a - nse hyh- - I - f - \ p- k - c nv
sk{S ]nIv C^ta-j Hmôkam-tcbpw Akn- v sk{S ]nIv
C^ta-j Bô-kam-scbpw Atev AtXm-dn-n-Is
- fbpw \nb-an-p. _mns\bpw _-s Imcy-s
- fbpw ]n hnhc- At\z- j n- p- s Im- p s]mXpP\fpsS At]--I kzoI-cn-p-Xn\pw \nnX ka-b-n-\p-n adp-]Sn
\Ip-X
- n-\p-ap kwhn-[m-\s
- am-cp-n-bnp-v. Cu \nb-aa
- \
- p-kc
- nv e`n At\z-jW-pw At]-I
- pw IrXy-ka
- b
- p-Xs adp-]Sn \In. \S-p-hjw Cu
\nb-a-{]-Imcw 486 At]--I e`n-pIbpw \nn-Xk
- a
- b
-
- n-\p-n Ah-bvpta \S-]S- n-Is
- f-Sp-p-Ibpw sNbvXp.
E{] xjh
The Bank is committed to the best practices

in the area of Corporate Governance, in
letter and in spirit. A detailed report on
Corporate Governance is given as annexure
in the Annual Report.
20. Right To Information Act
Sx +vE +vx
2005-2006 E n x E Sx +vE
+vx 2005 M E M* +vx E
+x xvi Exp VxSx
+vE, E Exp VxSx +vE B
+{ |vE xi EB MB il E B
vi E Sx Mx Vxi
+nx/ |{i Ex + xi
iiE =k nx i BE |h l{i
E M<* E n x +vx E +xiMi |{i
+nx / E iiE x{]x E M*
E n x E E +vx E +xiMi 486
+nx |{i B il +nx E iiE B
E i x{]x E M*
The Right to Information Act, 2005, was

implemented in the Bank during 2005-2006.
In terms of the Act, Central Public
Information Officers, Asst. Central Public
Information Officers and Appellate
Authorities were nominated and a system
was put in place to receive the applications
/queries from the public seeking information
about the Bank and related matters and
to furnish reply promptly within the
stipulated time limit. The applications/
queries received under the Act during the
year were replied promptly. During the
year, Bank received 486 applications under
the Act and all the applications were
disposed of promptly and within the time
frame.
51
21. KYC am\-Z-WvU-fpw AML/CFT

\S-]-Sn-Ifpw
21.1
dnkhv
_mns
\ntZim\pkrXambn CS-]m-Sp-Imsc Adn-bm-\p
am\-Z (KYC), I-Ww shfp-n-p-Xn-s\-Xn-cmb \S-]-Sn-I (AML) kmnI Xo{h-hm-Z-n-s\-Xn-cmb \-S]-Sn-I
( CFT) Fn- h - s b- p- d n- p t_mUv
AwKo-Ic
- n-, _mns ]cnjvcn \
- bw
\ne-hn-ep-v. KYC/AML/CFT \b- ]menp-X
- n\v tat\mw hln-m-\mbn slUv
Hmô-kn Hcp kanX KYC-AML sk
{]hn-p-hc
- p-p. sU]yqn P\-d amt\P (Iw-b
- kv) BWv _mnse KYC-AML
kwhn-[m-\
- ns {]nkn- Hmô-k.
21.2 2002- se I-Ww shfp-n-p-X
- n\v
FXn-sc-bp \nb-aa
- \
- p-kc
- nv Bh-iy-amb
dntmp-I ^n\mjy C-en-Pkv
bqWnv Cybvv (FIU-IND) kan-p-Xn-\p-th-n- ]W-an-S]
- m-Sp-I \nco-n-pp. ]W-an-S-]m-Sp-I \nco-n-p--Xn\v
]npW \Im\pw \S-m-m-\p-ambn A\ptbm-Py-amb tkm^vvshb _mv \S-m-nbn-p-v. _mns Fm imJ-If
- n-sebpw
]W-an-S]
- m-Sp-I Cu tkm^vvsh-b ssZ\wZn-\m-Sn-m-\-n ssIImcyw sNbvXv
{]Xn-amk ]W-an-S]
- mSv dntmp-I (CTRs),
{]Xn-Zn\ kwi-bm-kv]Z CS-]m-Sp-I-fpsS
dntmpIfpsS (- STRs) {]Xn-Zn\ Alert I
KYC-AML skns hni-I-e-\-n-\mbn
Xbm-dm-s
- -Sp-p. Ip-]n-Sn-s
- -m FIUIND \v hymP Idkn dntmp- I ,
bYmkabw Ab-bvp-p.
21.3 _mn KYC-AML s\p-dn-p ]cnio- e \w XpS- b mbn \In- h - c p- p.
tkmW/doPy-W Hmôkv Xe-f
- nse
skan-\m-dp-I, teWnwKv skp-I, imJm
ki\w Fn-hh
- gn Poh-\
- mp
Ah-t_m-[]
- c
- n-]m-Sn-I nc-ambn kwLSn-n-p-p. CS-]m-Sp-Im-cpsS {]k--amb
hnhc kqn-phm \ne-hn-ep
hnh-ct- i-Jcw bYmkabw ]pXppp.
22. \nb-a-]-c-amb tkh-\-

_mns hnhn[ {]h-\
- f
- n kp{][m\ ]v hln-p kpk--amb Hcp
\nb-a-hn-`mKw _mn-\p-v. CXns `mKambn hnhn[ tI{--fn \nba Hmôkamsc \nb-an-n-cn-p-p. Cu hn`mKw
tIkv A[n-jvTnX tcJ-I Xbm-dm-p-I,
hmbv]m-tc-J-I-fpsS ]cn-tim-[-\, \nb-a-{]iv\--fn D]-tZiw \IpI XpS-nb
Npa-X-e-I \nh-ln-p-p. Xncn-p-]n-Sn {]{In-b-bn \nb-a-hn-`mKw apJy-]mWv hln-p-X
- v. lPn-Ifpw IpSn-n-Ims-Xn-cmb Xncn-p-]n-Sn- {]{In-bbvp At]--I XpS-n-sh-bvp-
+{x OE E Vx xnhb & Bh] x

hbM / B ] ={
21.1 E x i W E u V Mxn
E +x +{x OE E Vx (E < )
Bh] x hbM (B B B) / B ]
={ { b u +xni vi xi E
+{x* E < / B B B / B ]
={ E +x{x E B |vx E BE
{i E < / B B B / EI Ei *
E E < / B B B E |J +vE
E { ={ |xvE (+x{x) E {nxi
E M *
21.2 |xx + x hbM +vx
2002 u +ni EB +x <x
<x]Vx] x]-<b E +{Ii {] |ii
Ex E =ql xnx E xMx E Vi
* xnx E xMx E Exx +
nx E o] E x BE =Si }]
+Vi E V E E J+ u E
Vx xnx E nxE +v { E
Vi + E < / B B B EI u
h E B nx nMv xnx {]
B] E l =i{z E V * V E
V x] { Vi , V E {] E
B +< +< Bx b E |ii E V
*
21.3 E E < / B B B { |Ih
+i +v { n V * +SE /
Ij E i { M` E WB YxVx
Exp + J n E + { ] VMEi
EG SB Vi * r OE E
b] +tix Ex i OE E ix b]
+v E b] CxM + S V *
21. KYC Norms & AML/CFT

Measures
22.
22. Legal Services
21.
vE B
E E z Exp xH v +vE
E l l{i v M V E E
z EE{ i{h E xi
* J EE{, V En
niV E i, @h |J E Uxx /
I / vE + { nx +n
Ei * E v M BE
21.1 The Bank has put in place a Board

approved revised policy on Know Your
Customer (KYC) / Anti Money Laundering
(AML) / Countering Financial Terrorism
(CFT) measures in line with the guidelines
issued by Reserve Bank of India. A
dedicated KYC-AML Cell is functioning in
the Head Office of the Bank to oversee
the compliance of KYC/AML/CFT
measures. Deputy General Manager
(Compliance) is the designated Principal
Officer for KYC/AML in the Bank.
21.2 Monitoring of transactions is carried
out for submitting the required reports to
Financial Intelligence Unit-India, (FIU-IND),
as mandated by Prevention of Money
Laundering Act 2002. With a view to
implementing and supporting monitoring of
transactions, the Bank has acquired
appropriate software that processes all
transactions handled by all branches of the
Bank, on a day-to-day basis. The software
generates Suspicious Transaction Reports
(STRs), Monthly Cash Transaction Reports
(CTRs) and other alerts for analysis by the
KYC-AML Cell. Counterfeit Currency
Reports (CCRs) are being submitted to
FIU-IND as and when detected.
21.3 Training on KYC/AML is being
imparted on an ongoing basis in the Bank.
Staff awareness programmes are conducted
regularly at Zonal/ Regional Office levels,
Learning Centres and during branch visits.
Data cleansing of the existing database of
customers is now undertaken to update all
relevant customer data.
The Bank has a well-established Law

Department with law officers placed at
various centres. It performs multifarious
activities such as preparation of case specific
documents, examination/scrutiny of loan
documents, giving advice on legal issues etc.
The Law Department plays an important
role in the matter of recovery. Suits and
52
Xpw XpS\-S]
- S- n-I FSp-p-X
- pw, \nba-hn-`mKw / \nb-aH
- m-ô-kam-cm-Wv. 2002- se
SARFAESI BIvSns `mK-ambn kpc Ddp-h-cp-p--Xn-\mbn \S-m-nb \S-]-Sn-Isf-p-dnv imJ-I-sfbpw av DtZym-K-scbpw klm-bn-p-Xpw \nba-hn-`m-K-amWv . _mns _nkn- \ v CS- ] m- S p- I fn\nv cq]w-sIm-Xpw Poh-\-mcpw
hnc-an Poh-\
- m-cpw hnhn[ ssltm-SXn-I, {Sn_yq-We
- p-I, knhn tImS-XnI, D]- t `mr kan- X n- I , Hmw_pUvkvam, sXmgn tImS-Xn-I Fn-hn-S-fn kan-n-p-, hnhn[ lPn-Ifpw
sbn- a p- I fpw \nb- a - h n- ` m- K - ns
D]tZins ASn-m-\
- n-emWv hmZn-s-Sp--Xv. 2005se hnh-cm-hI
- mi \nb-a{]-Imcw kan-n-p At]-I
- t- fbpw
Ao-ep-Is
- fbpw Ipdnv sk{S ]nIv
C^ta-j Hmô-ksdbpw A]tev
AtXmdnntbbpw D]-tZ-in-p-Xv \nb-ah
- n`m-K-am-Wv. \nb-ahpw \nb-a-]-cn-]m-e-\hpw
kw_- n Imcy- - s f- p- d nv Poh- \ mv ]cn-io-e\w \Ip-X
- nepw \nba
hn`mKw Ds-n-cn-p-p. _mv imJIpw AUv a n- \ n- k v t {S- ohv Hmô- k pIpw \nb-tam-]t- Z-ihpw \ntZ-i
- fpw
\Ip-Ibpw nc-ambpw XpS-bmbpw
hnhn-[
- f
- m-b \nb-a{- ]-iv\
- ssIImcyw
sNp- Xpw \nb- a - h n- ` m- K - a m- W v . Fm
{]h\ taJeIfnepw _mns
Xmcyw kwc-n-p-X
- n-\mbn \nb-ah
- n`mKw \S-]S- n-Is
- f-Sp-pp.
23. s]mXp-P\ khpw

{]Nm-cW {]h-\-fpw
23.1 s]mXp-P\
- k
-
- ]cn-]m-Sn-If
- p-sSbpw
]c-ky-{]-Nm-c-W--fp-sSbpw Fm-ta-J-e-Ifnepw _mv hfsc kPo- h - a m- b n- c p- p.

_mns tIm-tdv {]Xn-mb AXns
{]h- \ - a - W v U - e - n, s]mXp- P - \ pw km- c n\pw av m]- \ p-an-S-bn, {]Ncnnp--Xn\mbn
km hIp-p-I, am[y-a
- , Itmf-k
- m-aq-lnI kwL-S\
- I
- Fn-hc
- p-ambn
{]tXy-Inpw s]mXp-P\
-
- f
- p-ambn s]mXphnepw hfsc ASp GtIm-]\
- a
- mWv _mv
]pen-b-Xv.
23.2 ]pXnb hmbv]m D-
- P\-Iob-am-p--Xn\v ]{X-, tlmUn-Mvkv,
Cs\-dv, tdUn-tbm, sSen-hn-j am[ya Fn-hb
- n-eqsS AXn-hym-]I
- a
- mb ]cky-{]-Nm-cW
- w \Sn. imJm-Xe
-
- n-ep
hn]-W-\-{i-a-sf tIm-tdv Xe-n
hjw apgp-h \op-\n. Xo{h-amb ]cky-{]-Nm-c-W-n-eqsSbpw A\p-]q-c-I-amnb X{hpw hfsc anI ê-f
- mWv
Df- h m- n- b - X v . imJ- I - f psS DLm- S - \ n\pw {][m\ Znh-k
- / k`-
i{h E xi * v M / v
+vE u SEEi E r i
En + +x{x Ei * k +i
E |iiEh + {xxh E +xiMi |ii
E |ix il C] <x]] +vx 2002
M Ex i | i E< E J+
+ +x {SxiE EEi+ E nn
ni * E E r z =SS x,
xvE h E ] , ={ H S ,
+bx + +x |vE E l n
E M z E u B MB E
Miv =i{z + ES +
xk ES u n E M +Vi +
n v M E + Mnx E
+xiMi |in E Vi * Exp E
Sx +vE + +{ / |vE E, Sx
+vE +vx 2005 E +xiMi n EB
MB +nx + +{ { ni *
v + Ev i ] E
|Ih nx M i * v +vE
z Exx E xi + xi
{ i + J+ + |xE
E E Exx + Z |nx
Ei + EE{ E E i E
I Ex i En =ì *
23.
Vx {E + |S
23.1 E
Vx {E, |S + Y{x E
Ij i G * E {
E M, b, hVE B
M`x il x { Vxvh E l
c j Vxvh E S +{x {SxiE
{h <E E{] <V E ni B
E + +x lMi xE E l xE]
{E J*
23.2
x @h |bC] E |S Ex E B
S {j, bM; <x]x] + c, ]
Sx E WB {E EV n l* E{]
i { { Mx Y{x +x u
J+ {hx | gx E xi
| {h * J+ E Jx,
DRT applications for recovery against the

defaulters are initiated and followed up by
the Law Department/Law Officers. It assists
the branches and other operational
functionaries in the matter of actions initiated
for enforcement of security under the
SARFAESI Act, 2002. Various petitions and
claims against the Bank filed in various High
Courts, Tribunals, Civil Courts, Consumer
Fora, Ombudsman, Labour Courts and
other authorities, emanating from the
business activities undertaken by the Bank
and also those filed by employees and
retired employees are defended under the
advice and guidance of the Law
Department. It advises the Central Public
Information Officer and the Appellate
Authority on the applications and appeals
filed under the Right to Information Act,
2005. It is also involved in the training of
the staff in matters involving law and
practice. The Law Officers are regularly and
continuously handling varied legal matters
and offering legal advice and suggestions
to the branches and Administrative Offices
and take steps to safeguard the interest of
the Bank in all its sphere of activities.
23. Public Relations And Publicity

23.1 The Bank was very vibrant in all the
fields of Public relations, Publicity and
Advertisement. Bank maintained very close
liaison with Government Departments,
media, Commercial and Social organizations,
in particular, and Public, in general, projecting
Banks corporate image in its operating
environment among public at large,
Government and other institutional bodies.
23.2 Extensive coverage is given through
the newspapers, hoardings, Internet, radio
and TV channels to popularize new products.
The strategy of supplementing the marketing
efforts at the branches with an intensive
advertisement campaign all through the year
at the corporate level yielded impressive
results. Corporate advertisements were
released on opening of Branches, and
celebration of important days/occasions.
Product advertisements were regularly
53
BN-cn-p-X
- n\pw tIm-tdv ]c-ky-
\In. {]mtZ-inI ]{X-f
- nepw tZio-bX
- e-n {]Nm-ca
- p ]{X-f
- nepw DXv]
kw_- n- b mb ]c- k y- nc- a mbn
\In- t m- p. \psS CS- ] m- S p- I mv
]pXnb kmt- X nI D- - - ]cnNbsSppXn\p- t hn Cs\v
_mnwKv ,
samss_
_mnw- K v ,
Hmsse t{SUnwKv XpS- n- b - h sb
kw_-n ]c-ky- \In.
i{h n/+ E xx E v
E{] Y{x n M l* |bC] Y{x
lx + +J i S {j
xi { n Vi * OE E x
|tME =i{n E v {Si Ex i
<x]x] EM, < EM, +x <x ]bM
+n vi Y{x n M l*
23 . 3 Zn lnp Zn\- {Xw kwL- S n- n
23.3
hnZymYn-Im-bp {]o-Iuk-enw-Kv,
tIcf km-cns Sqdnkw hmcm-tLm-j, alm-m-Kmn kh-Ie
- m-im-eb
- psS
cP-XP
- q-_nen BtLm-j
- , ^vfh tjm
2009, tIcf km-cns kp\man {]Zi\w, AJn-teym t]meokv Imbn-I-ta-f,
s\lvdp t{Sm^n hw-Ifn XpS-nbhbpsS
apJy kvt]mkam-cn-sem-cm-fm-bn-cpp
_mv.
23.4 i_-cn-ae XoYm-SI
- c
- psS \nn-Xa
- mb
_mnwKv Bh-iy--\p-kr-Xa
- mbn ]bnepw kn-[m-\pw XoYm-SI tkh-\-tI{-fpw ]-bn F.-Sn.-Fpw Bcw-`n-p.
_mn\v _rl-mb ktcpw {]Nm-chpw
t\Sn- \S-]-Sn-bm-bn-cpp CXv.
24.1 HutZym-KnI `mjm-\n-b-aw, N-
Fn-hb
- p-ambn _-s \n_-\
- I
- fpw
Cym Khsan-sbpw dnkhv _mnsbpw \ntZ-i
- fpw _mv \S-m-n. \Sp-hjw, kvIq--tIm-tfPv hnZymYn-Imbn hnhn[ lnn ac- kwLSn-n-p. slUv Hmô-knepw tkmW Hmôkp-I-fnepw {]mtZ-inI Hmô-kp-I-fnepw
lnn ]hpw lnn Zn\hpw BN-cn-p.
"lnn-bn kw`m-jWw' F hnj-bs
- p-dnv Xncp-h-\--]pcw tkmW Hmôkn {]Xn-hmc lnn inev]i
- me kwL-Snn-p. _mns hmjnI lnn amknI
"kzmXn' {]kn- o- I - c n- p. \S- p- h jw
\psS tImgn-tmSv Hmôkv "aRvPcn'
F t]cn lnn amknI ]pd-n-d
- n.
{]mtbm- K nI lnn- b n Poh- \ - m- c psS
Adnhv hn-n-p-X
- n-\mbn lnn inev]im-eI
- fpw {]mtbm-KnI lnn ]cn-]m-Sn-Ifpw
kwL-Sn-n-p. lnn-`m-jb
- n e`n IpIv lnn-bn Xs adp-]Sn \In.
Khsa v Hm^v Cy-bpsSbpw dnkhv
_mv Hm^v Cy-bp-sSbpw HutZym-KnI
`mjm \S-np kan-Xn-bpsS Xncp-h\
-
- ]
- pcp shv \S tbmK-v _mv
BXn- t Y- b Xzw hln- p. Zn- t Wy
Bm-\a
- m-bp s]mXp-ta-Jem _mp-IfpsS HutZym-KnI `mjm kan-Xn-bpsS 48--maXp tbmK-n\pw _mv BXnYyw hln-p.
23.3 The Bank was one of the main

sponsors of students Pre-counseling
conducted by The Hindu, Tourism Week
Celebrations of Government of Kerala, MG
University Silver Jubilee Celebrations, Flower
Show 2009,Tsunami Exhibition of
Government of Kerala, All India Police
Athletic Meet, Nehru Trophy Boat Race, etc.
E, n xn u +Vi Uj E B
| E=M, E E E {]x {i
, B V x] V ,
} 2009, E E E x |nx,
+J i { +l]E ], x ] 23.4 The Bank opened pilgrim service
centre at Pampa, Extension Counter at
] +n E J |VE BE l*
23.4
E x {{ + zvx ilj
Exp J + E ilj E EM
+{I+ E {i i BE B ] B {{
l{i E V E E {E |S +
x *
24.
24. lnn-bpsS hn D]-tbmKw
released in local and all India newspapers.

Advertisements relating to Internet Banking,
Mobile Banking, On-line Trading etc, were
released in order to familiarize the
customers with new technology products.
xn E |M |M
24.1 E
x V +vx, x vi
|vx + i W E il i E
E +xn xn E +x{x E* E
n x E - EV i E tl i xn
v |iMiB +Vi E M<* |vx
E, +SE E B Ij E
xn {Jc B xn n x M*
+SE E, ixxi{ x xn
iSi Ex E B {iE xn E
E +Vx E * E E xn {jE
i |Ei E M<* E n x,
+SE E, EEc x V {jE E
|Ex E* ] n E l xn
EB B |VxE xn EG,
|VxE xn E Yx gx E B +Vi
E M<* xn |{i {j E =k xn n
M* E x i E B i W E
E V Exx i E È E
Wx ixxi{ E* E x nIh li
VxE Ij E E E 48 È E
Vx ixxi{ E*
Sannidhanam and ATM at Pampa to cater

to specific banking requirements of the
pilgrims to Sabarimala, which generated
tremendous publicity and goodwill for the
Bank.
24. Progressive Use of Hindi

24.1 The Bank complied with the provisions
relating to the Official Languages Act, Rules
and instructions and directives of
Government of India and Reserve Bank of
India. During the year, various competitions
were held for School/College level students
in Hindi. The Hindi Fortnight / Hindi Day
was also celebrated in Head Office, Zonal
Offices and Regional Offices. Weekly Hindi
Workshop on Conversation in Hindi was
introduced
at
Zonal
Office,
Thiruvananthapuram. Annual publication
Swathi, the Banks Hindi Magazine was also
published. Zonal Office, Kozhikode
published Manjari a Hindi Magazine during
the year. Hindi Workshops and Functional
Hindi Programme were conducted for the
benefit of staff members to increase the
knowledge of functional Hindi. Letters
received in Hindi were replied to in Hindi.
The Bank hosted meeting of the Official
Language Implementation Committee of
India at Thiruvananthapuram. The Bank also
hosted the 48th Meeting of Official
Language Committee of South Based Public
Sector Banks at Thiruvananthapuram.
54
24.2 kwm-\s lnn {]Nm-c-Ipw

Fgp- p- I mpw thn- b p "]n.- P n.
hmkp-tZhv ]pc-k
v m' _mv kvt]mk
sNbvXp. kwm-\s lnn Fgp-pImp "Fkv.-_n.-Sn. lnn kmlnXy
]pc-kvIm' Xncp-h-\--]p-cp hnX-cWw
sNbvXp.
24.2
]] E + jhE x V V
xn E i nx E B |SE B JE
E B {. V. n {E B ""B..].
xn i {E'' |Vi E il
+b E E Sxi x n J E E
24.3 tIcf lnn {]Nm-ck
- ` kwL-Sn-n ixxi{ +Vi |nx E
kwm\Xe HutZym-KnI `mjm {]Zi-\- M*
n _mv ]s-Sp-p-Ibpw HutZym-Kn-I`mjm \bw \S-m-p-X
- n Hmw m\n-\p joUv t\Sp-Ibpw sNbvXp.
HutZym-KnI `mjm \bw \S-m-p-X
- n\v
Xncp-h\
-
- ]
- p-cv nXn-sN-p s]mXpta-Jem _mp-Iv Su HutZym-Kn-I`mjm \nh-lW kanXn Gs-Sp-nb
joUv _mns slUv Hmô-kn-\pw
Xncph\]pcw tkmW Hmôkn\pw
e`n-p. sImn-bnse doPy-W Cwn-sa-tj Inn HutZym-KnI `mjm \bw \S-mp-X
- n\v Gs-Sp-nb AhmUv tImgntmSv tkmW Hmô-kn-\v e`n-p.
25. imJm-irw-Je
_mn\v 10 khokv imJ- I - , Hcp
At- i ob khokv imJ, 5 Itagvky s\vhv imJ-I, 5 kvs]jyssekvUv SME imJ-I, 4 {]hmkn imJI, 4 {Sjdn imJ- I , 11 kv s ]jyssekvUv hy-nK
- X imJ-I, 3 BkvXn
Xncn-p-]n-Sn- ]cn-]m-e\ imJ-I, 10
kvs]jy-ssekvUv ImjnI hnI-k\ imJI, 1 ssat{Im-s{I-Unv imJ, h\n-Xm-kwcw-Ì
- m-bp 1 imJ, 1 hntZi imJ, 1
MICR imJ, kwm\ km CS-]m-Sp- S- w _mn\v
Ip 1 imJ Fn-hb
748 imJ- I - f p- s Sbpw 19 FIv j
Iu-dp-If
- p-sSbpw irwJ-eb
- m-Wp-X
- v. \Sp- h jw 22 imJ- I - f mWv Bcw- ` n- - X v .
sImw, amth-en-c
- , ]-\w-Xn FnhnS-n aqv {]mtZ-inI Hmô-kp-I amn
m]n-p. Fd-Wm-Ipfpw _mwq-cp-ap
cv CU-kv{Sn-b ^n\mkv imJ-I
Ita- g v k y imJ- I - f mbn ]cn- h \w
sNbvXp. \S-p-hjw 12 imJ-I amp-Ibp- m- b n._mns {]h\w 13
kwm\fnepw 3 tI{ `cW{]tZi
fnepw hym]np InSpp. 50 tI{-f
- n
imJ-I Xpd-p--Xn-\p dnkhv _mv
AwKo-Imcw _mv Ic-a- m-n-bn-p-v.
24.3
]] E + jhE x E xn
|S u l{i V i xn |nx
M il V xi E Exx
i |l {E b Vi* |vx E
ixxi{ x VxE Ij E E
ixxi{ li V xi E Exx
i |l {E b Vi* +SE E,
EEc x Ij Exx E, ESx
x V xi E Exx i b |{i
E *
25.
J x]E
E E 10 J+ i 748 JB,
19 i E=], 1 +xi ] J, 5
hVE x]E JB, 5 Ei B B
< JB, 4 Bx + +< JB, 4 ]
JB, 11 Ei HE Mx] JB,
3 +i |xvx JB, 10 Ei
E E JB, 1 <G Gb] J, 1
=t E B BE J, 1
+W J, 1 B +< + + V
E xnx E B 1 J E x]E *
< 22 JB J M<* 3 Ij E
E, CE + {kxi]] l{i
E M* BhE + M E n +tME
k J+ E hVE J n n
M* E n x 12 J+ E { n
M* 13 V + 3 P i |n E
E ={li nV * E E { + 50 x<
JB Jx E |vEh *
24.2 The Bank has sponsored P.G. Vasudev

Puraskar and S.B.T. Hindi Sahitya Puraskar
for the propagandists and writers of Hindi
in the state. The awards were distributed
to selected Hindi Writers of Kerala at a
function held at Thiruvanathapuram.
24.3 The Bank participated in the State
Level Official Language Exhibition instituted
by Kerala Hindi Prachar Sabha and won
the shield for First Position in the
implementation of Official Language Policy.
Head Office, Thiruvananthapuram and
Zonal Office, Thiruvananthapuram secured
shields instituted by the Town Official
Language Implementation Committee,
Thiruvananthapuram in the implementation
of Official Language Policy in Public Sector
Banks situated in Thiruvananthapuram. The
Kozhikode Zonal Office of the Bank
received the Award for the implementation
of Official Language Policy from the
Regional Implementation Office, Cochin.
25. Branch Network

The Bank has a network of 748 branches
and 19 Extension Counters, including 10
Service Branches, 1 International Service
Branch, 5 Commercial Network Branches,
5 Specialized SME Branches, 4 NRI
branches, 4 Treasury Branches 11
Specialised Personal Segment Branches , 3
Asset Recovery Management Branches, 10
Specialised Agricultural Development
Branches, 1 Micro Credit branch, 1
Specialised branch for women
entrepreneurs, 1 Overseas branch, 1 MICR
branch and 1 Special Service branch for
State Government Transactions. 22
branches have been opened this year. Three
regional offices have been relocated at
Kollam, Mavelikkara and Pathanamthitta.
Two Industrial Finance Branches at
Ernakulam and Bangalore have been
converted to Commercial branches. 12
branches have been shifted during the year.
The Bank has presence in 13 states and 3
union territories. The Bank has on hand RBI
authorisation for opening 50 new branches.
55
26. tIm-tdv kmaq-lnI D-c-hm-
26.
E{] E Vn + Ox EM
Zn-hpw lcn-X-_m-nwKpw
tIm- t dv kmaq- l nI D- c - h m- Z nw
(CSR), kpnchnI-k\w (SD), km-ntI-Xc dntmnwKv (NFR) Fn-hs
- b-p-dnv
BtKm-fm-Sn-m-\
- n Xs Ah-t_m[w
hn-p-h-cn-I-bm-Wv. Ah-cpsS \nn-X-ey- t\Sp-Xn\nS-bn kpn-ch
- n-Ik-\
- s
- f-p-dn-p ImgvN
- mSv \jvSs
- -Scp-sXv Dd-p-hc
- p-m kvYm-]\
-
- f
- psS
`mK-p-\npw kwL-Sn-Xa
- mb {iaw Xsbp-v. I-\n-I Ah-bpsS _nkn-\v
{]h- \ - - f nepw D]- t `m- m- - f p- a mbp CS-]m-Sp-If
- n-epw, kmaq-ln-Ihpw ]cnn-Xn-]c
- h
- p-amb Xm-cy- ka-\z-bnn-p-X
- mWv tIm-tdv kmaq-lnI Dc-hm-Zn-w. km-n-I-hn-I-k-\-n-\mbp {]b-Xv\-n ]cn-n-Xn-]-chpw
kmaq-ln-Ih
- p-amb kwhn-[m-\
- f
- psS KpW\n-e-hmcw ]cn-]m-en-p {]{In-b-bmWv
kpn-ch
- n-Ik
- \w F-Xp-sImv Dt-inp-X
- v. Cu kml-Nc
- y-n m]-\
-
Ah-cpsS {]hr-n-I-sf-p-dnv dntmv
sNp kwhn-[m-\-amWv {]mY-an-I-ambpw
km- n- t I- X c dntmnwKv F- X psImv Dt-in-p-Xv {]tXy-Inpw "{Snv
t_mw-sse' AXm-bXv ]cn-n-Xn-]c
- h
- pw,
kmaq- l n- I hpw km- n- I - ] - c - h p- a mb
Au- nw- K v . temI- ns km- nIhpw hnI-k\
- ]
- c
- h
- p-amb {]hr-n-Iv
km-n-Ik
- l
- mbw sNp-X
- n _mpI AS-a
- p km-n-I
m-]\
-
-
hln-p-- ]v IW-n-se-Sp-p-tm
kpnc hnI-k\
-
- n Ah-cpsS kw`mh\ kp{]-[m-\-am-Wv. lcn-X-]-cn-n-Xnsb
kpn-ca
- m-p-X
- n\v _mp-I Hcp \bw
cq]o-Ic
- n-t-X
- ns Bh-iy-IX
- b
- n-eq-nsmv 2007'08 dnkhv _mv Hm^v
Cy tIm-tdv tkmjy sdkvt]mkn_n-en-n, ks-bv\_v sUh-e-]vsa v,
t\m-^
- n-\mjy dntmnwKv _mpI-fpsS ]v'' F Hcp kp-e Cd-n.
CXn- s \- p- S v , \S- p- h jw \psS
_mv Hcp ""lcn-X_
- m-nw-Kv, kpn-ch
- n-Ik\ \bw'' Bhnjv I - c n- p. ta ]cmain \bw {]Im-cw, ]cn-nXn kulrZ-]c
- a
- mb Xmsg-d- b
- p \S]Sn-I kzoIcn-p-I-hgn _mv Im_Wns Awiw
Ipd-bvp-X
- n-\m-hi
- y-amb ê-{]-Za
- mb \S]-Sn-I-sf-Sp-p--Xm-Wv.
a) GLS __p-Iv ]Icw CFL hnf-pI D]-tbm-Kn-p-I.
b) kmam\yw hen-a
- p \psS kzw
sIn- S - - f n ag- s h kw`- c Ww
Gs-Sp-pI.
c) teWnwKv sk-dp-I-fn kutcm
Pe-Xm-]\w D]-tbm-Ks
- -Sp- (Xn-cp-h\--]p-cs teWnwKv sk-dn CXv
m]n-p-I-gn-p.)
E{] E Vn ( B +) xB
Jx E E (B b) + M-k
{]M (Bx B +) E E {
BE vi VxE * M`x u xSi
Ex E B BE Mì | E
+{x r I E +xh xB Jx
E E E x VB* B +
E{x u +{x E {Sx VE
+ {h Sxi+ E BEEh + =xE
]E b E l S E +nx |nx
Ex +x x * B b +xi:
+lE E E I {h + VE
|h E Mhk E JJ E |G E
Si Ei * Bx B + { M`x
u < n =xE EE{ i& ]{
] <x x {h, VE + +lE
J |h E v {] Ex E |h
* E +lE + EiE EE{
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{ * 2007-2008 i W
E x E{] VE Vn xB Jx
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r E u V EB Vx E xi E
+Ei { ni - E v BE
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E nx E x ""Ox EM + xB Jx
E E xi'' i E* < xi E
+x xx E EE E {h +xE
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E Ex E | E< EM*
B) V B B E nE B B E
|il{x
) { V BEj Ex V E
c *
)YxV x E xp ] ] M
(ixxi{ YxVx Exp Exi
E V SE )*
26. Corporate Social Responsibility

And Green Banking
There is an increasing awareness globally
about Corporate Social Responsibility
(CSR), Sustainable Development (SD) and
Non-Financial Reporting (NFR). There is a
concerted effort by organizations to ensure
that sustainable development is not lost
sight of, in the pursuit of their respective
goals. CSR entails the integration of social
and environmental concerns by companies
in their business operations as also in
interactions with their stakeholders. SD
essentially refers to the process of
maintenance of the quality of environmental
and social systems in the pursuit of economic
development. NFR is basically a system of
reporting by organizations on their activities
in this context, especially as regards the
triple bottom line, that is, the environmental,
social and economic accounting. The
contribution of financial institutions including
banks to sustainable development is
paramount, considering the crucial role they
play in financing the economic and
developmental activities of the world. In
2007-08, the Reserve Bank of India had
brought out a Circular on Corporate Social
Responsibility, Sustainable Development
and Non-Financial Reporting - Role of
Banks which emphasized the need for a
policy to be brought out by respective
banks for sustaining the green environment.
Consequently SBT has formulated a Green
Banking and Sustainable Development
Policy during the year. As per this policy,
Bank will take effective steps to reduce its
own carbon footprint by adopting
environment friendly practices, including,
a) Replacement of GLS Bulbs by CFLs.
b) Rainwater harvesting in own premises
which are large enough
c) Use of Solar Water-heating at Learning
Centres [Already implemented at
Learning Centre, Thiruvananthapuram]
56
d) XWp-n- NqSm- {]{In-b-Iv
]c-am-h[n Du-a- X Dd-p-hc

- p-p-I.
e) t]-dns A-Snbpw D]-t`m-Khpw ]c-amh[n Ipd-bvp-I.
lcnX-]--Xn-Iv [\-k-lm-b-n-\mbn
_mns\ kao- ] n- phv _mv
t{]mm-l\w \Ip--Xm-Wv. Im_
_lnK-a\w Ipd-bvp-Xpw ]p\-cp-]t- bmK-tbm-Ky-amb Duw t{]mm-ln-n-p-h-bp-amb ]Xn-I-sf-bmWv "lcn-X-]Xn' F-Xp-sImv hnh-n-p-X
- v.
26.1 kmaq-ly-tk-h\ _mnwKv

_mns kmaq-ly-tk-h\ _mnwKv hn`mK-n\v Iogn {]hn-p tkmjy
kn-fp-I hgn 2009'10epw kaq-l
- ns
s]mXp-hmb taw ey-a-mn-sm-p
Htsd kwcw-`
- kmaq-ly-ambn D-ch
- mZn- X z- a p Hcp tIm- t dv ]uc F
\nebvv _mv Gs-Sp-n-p-v.
imJ-If
- nepw AUvan-\n-kvt{S-ohv Hmô-kpI-fnepw tPmen sNp Poh-\
- m kmaqly-tk-h\
- {- ]-h-\
- Gs-Spp \Sp--Xn-\mbn cq]o-I-cn k--kw-L-S\-If
- mWp tkmjy kn-fp-I. kzw
{]h\ taJ-eI
- f
- nse Bh-iy- \ndth-p--Xn-t\m-sSmw _mnwKv tk-h-\n\p ]pd- t a- b p klm- b -
\Im\pw Ah Xmdm-Wv. m^v AwK amXr-m-]\
-
- ns am-\ntZ-ia
- \p-kc
- nv kaq-l
- ns Bh-iy- kzX{-ambn hne-bn-cp-p-Ibpw kzta-[bm
tkh- \ - { ]- h - \ - \S- p- I bpw
sNpp FXmWv tkmjy kn-fpI-fpsS {]h-\ns khntijX.
Ccnep 564 tkmjy kn-fpI Cy-sbm-m-sI-bp imJ-I-fnepw
AUvan-\n-kvt{S-ohv Hmô-kp-I-fn-ep-ambn
{]hn-p-p-v. Btcm-Ky-kw-c-W
{]h- \ - , hnZymn- I p
klm-b
- , ]ph tlmap-I, hr-kZ- \-, A\m-Ym-eb
-
- , AwK-ssh-Ieyw
kw`-hn--hp ta-{]-h-\-,
tZio-bhpw AtZ-io-bh
- p-amb Zn\m-Nc
- W- Fnh tkmjy kn-fp-IfpsS {]h-\
- f
- n Ds-Spw. Cu ]cn]m- S n- I p ]pd- t a, sslkv q
tImtfPv hnZymYn- I mbn ""C
Sokv Iznkv tImn-t-j'' (CXv Xncp-h\
- -]pcw Zqc-Zi tI{w kwt{]-Ww
sNbvXn-cp-p.), Iuam-c{- ]m-b
- mm-bp
hyn-Xz-hn-Ik
- \ ]cn-]m-Sn-bmb ""InUn
okv t{]m{Kmw'' Fn-h _mv kwL-Snn-p. \S-p-hjw tkmjy kn-fpI aptJ\ ]mh-s--hp-thn 150cw ]cn-]m-Sn-I \S-p-Ib
- p-m-bn.
b)`hb Ex + M Ex E |G+
>V {{ii xSi Ex
<) xxi ph + EMW E xxi ={M
d) Ensuring energy efficiency for cooling and

heating processes
e) Minimum printing and consumption of
paper.
E Ox {Vx E B x B {VxB Bank will also extend incentive to the

V Ex xh E E Ei + {xl{x borrowers who go in for Green projects
i.e. those projects that reduce Carbon
>V E fi , E |ix n i *
Emissions and promote Renewable Energy.
26.1
nE EM
26.1 Community Services Banking
BE VE |in E{] xME E {

E x nE EM M E +xiMi
Ei E E WB V E Eh
E I Ji B 2009-10 +xE
{ + ={ EB MB *
As a socially responsible corporate citizen,

the Bank has undertaken several initiatives
and measures during 2009-10 also, aimed
at the welfare of the society at large,
through Social Circles functioning under
its Community Services Banking
Department.
VE E V J+ + |xE
E Ei ] n u VE
B |nx Ex E B l{i M`x
, u z VE E Vi *
{Sx E +{x Ij E +{I+ nI
i il EM + E n E M xnx
V E +{I+ E ] n B ij
xvh u BSUE |iMi VE E
E E +ui vh Ji * {h i
E E z J+ + |xE E
564 B E E E *
E Miv l v EG Uj,
M M, r + +xl E i,
EM H E Eh ={, n/+xin
nx E xx +n * <x EG E
+, x <E + EV Uj E B
<h] ]x CW |iMi x +J E
|xk (VE nnx Exp, ixxi{
u |h E )* E E B H
E EG +n E +Vx E* E
n x M E i E B E u
150 +vE EG +Vi EB MB l*
Social Circles are voluntary organizations

formed by the staff members working in
branches and administrative offices for
undertaking social services. They address
themselves to the requirements of their area
of operation and extend assistance which
are outside the purview of banking services.
Voluntary participation by the staff members
and independent assessment of the
requirements of the society under the
guidance of the parent institution are unique
concepts in the functioning of the social
circles. The Bank has 564 social circles
functioning at various branches and
administrative offices spread all over India.
The activities of the social circles include
health related programmes, assistance to
students, poor homes, old age homes and
orphanages, welfare measures for disabled
people, observance of national and
international days, etc. Apart from these
programmes, the Social Circles also
conduct All Kerala Quiz Competition for
High School and College Students
Intel Teens Quiz Competition (which is
telecast by Doordarshan Kendra,
Thiruvananthapuram), Personality
Development Programme for adolescents
Kindle Teens Programme. During the
year more than 150 programmes were
conducted through social circles for the
benefit of the poor.
E n x n E Sxxn M iE {Sx
E B EM Mi +i ] / ] n
E BE I E { +{x M* BE
57
Xnc-s-Sp--s kmaq-ly-hn-`m-K--fntebvv Fn-t-cm \S-p-hjw _mv

{]k-a
- mb At-io-bhpw tZio-bh
- pamb Zn\- BN-cn-p-Xv Hcp ZuXyambn kzoI-cn-p. kaq-l
- nse khn-tij
hn`m-K--fn Fn-t-cm-\p {]tXyI
Dt-iy-tm-sS-bmWv Hmtcm BtLm-j]
- c
- n]m-Snbpw kwL-Sn-n--s--Xv. _mns
kmn[yw IqSp-X Zriy-am-hp-Ibpw CS-]mSp- I msc ]pXn- b - X mbn BPn- phm\pw
BtLm-j]
- c
- n-]m-Sn-I klm-bn-p.
2009 Pqsse Hmw XobXn slUv Hmôkn tUmIvtSgvkv tU BN-cn-p. XZ-hk
- c-n Xncp-h-\--]p-cs aqv {]apJ
`nj-Kz-c-msc BZ-cn-p-I-bp-mbn; ]{io, tUm. Fw. IrjvW \mb, tUm.
kmw_-in-h, ]{io tUm. Fw. hnP-bcm- L - h . ]cnjv cn Fkv . - _ n.- S n.
tUmIvtSgvkv kvs]jy kvIow Bcw-`n-p.
m]- I - Z n\w: 2009 sk]v w- _ 12- \v
_mns 64-m- a
- Xv hmjnI m]-IZ- n\w
BtLm- j n- p. {io D{XmSw Xncp- \ m
amm-WvU-ha apJym-Xn-Yn-bmbn Hcp
Kwòc NSv slUv Hmô-kn kwL-Snn- p- I - b p- m- b n. Cu k`- ns
kvacW \ne-\nm-\mbn tIc-f-nepw
Xan- g v \ m- n- e p- a mbn 64 F.- S n.- F - p- I
Hmsse- \ mbn DLm- S \w sNbv X p.
tZiob AhmUv tPXm- - f mb aqv
Aym-]I
- t- cbpw _mv BZ-cn-p.
\h-hk-cZ- n\w: 2010se ]pXp-hkc Zn\n Xncp-h-\--]p-cv shv apXn
]uc-m-cpsS Hcp tbmKw kwL-Sn-n-p. \Kc-nse hnhn[ imJ-If
- n \np htcWy-cmb CS-]m-Sp-Im-cmWv Hp-tN-c-en
]s- S pv hne- t b- d nb \ntZ- i -
kan--Xv. \K-c-ns Hcp ]cn-tOZw
Xs-bm-bn-cpp Cu Hp-tN-c. Cu
hn`m-K-hp-am-bp _w ]pXp-pI-hgn
imJ-Iv Ah-bpsS \nt]w h[n-nm-\m-bn.
2010 amv 8\v h\n-Xm-Zn\w: 2010se h\n-XmZn\w BN-cn-p--Xns `mK-ambn 2010
amv 8 apX 13 hsc Hcp hmcw \op\np BtLm-j]
- c
- n-]m-SnI kwL-Snn-p. 120 imJ-If
- n-embn Xnc-s-Sp-s
-
kzbw- k - l mb kwLmw- K - - f mb 600
h\nXIsf BZ-cn-p-I-bp-m-bn. _mpambn CS-]mSp \S-pXneqsS hnPbw
ssIh- c n- - h - c mb 21 h\n- X m- h y- h - k mb
kwcw-Ì
- sc {]mtZinI Xe-n BZ-cn-p.
kzbw-kl
- mb kwL-ns {]h-\
- fn Gs- S p- I - h gn kzw IpSpw- _ ns Dbbvv Imc-W
- m-cm-b, kaql-ns Iogv- n-ep h\n-XI
- s
- f-bmWv
E BE ] =q l E V E
vi M iE {S + BE E
E +{x oi vx il OE ={v E
B nn n*
01-07-2009
E bC] b < + E xx
E B |vx E BE E +Vx
E l* V ixxi{ E ix |J
bC], {n b. B. Ehx x, b.
x + {n b, B. VPx E
xi E M l* vi B ]
bC ] Vx E M< l*
l{x n : 12 i 2009 E E
E 64- l{x n x M l* |vx
E BE c E +Vx E
l V =jb ix ihc J
+il E { {v l* < + E nM
xx E B E x E + ixb 64
+x<x B ] B E =nP]x E + 3
] +b Vi +v{E E x
E l*
x n: x 1 Vx 2010 E
ixxi{ BE ` xME ] E
+Vx E l* z ] J+ Sxxn
iE] M E ` xME OE; V xM
E M , < ] M +
+{x x Z E +nx |nx E*
v E xxEh J+ E { r
<*
08.03.2010
E n: n 2010
E n E 8 S
13 S 2010 iE BE i E x
M l* J i { 120 J+ E u
600 Sxxn B BS V n E x
E M* Ij i {, E E l i
{ EM Ex 21 =t E x
E M l* x Ex E B Sxxn
B V E xxi i E l Vxx B
BS V EE{ M E +{x { E
Observing international/ national days of

relevance to banking have been adopted
as a mission for reaching out to select
groups of the communities during the year.
Every celebration was with a specific aim of
ensuring reach to the respective sections
of the society and each celebration has
helped the Bank to improve the visibility as
well as customer acquisition.
Doctors Day on 01.07.2009. To mark the
occasion, a felicitation ceremony was
arranged at Head Office in which three
eminent doctors in Thiruvananthapuram,
Padmasree Dr. M.Krishnan Nair, Dr.
Sambasivan and Padmasree Dr. M.
Vijayaraghavan were honoured. The
modified version of SBT Doctors Special
Scheme was launched.
Foundation Day: The 64th Anniversary
Foundation day of the Bank was celebrated
on 12th Sept 2009. A grand function was
arranged at Head Office with His Highness
Sree Uthradam Thirunal Marthanda Varma
as the Chief Guest. To commemorate the
occasion, Bank inaugurated online 64 ATMs
across Kerala and Tamil Nadu. Bank also
honoured 3 National Award winning
Teachers.
New Year Day: On the New Year day 1st
January 2010, a Senior Citizen Meet was
held at Thiruvananthapuram. Select senior
citizen customers from various city
branches, who formed a cross section of
the city, participated in the get-together and
shared their valuable suggestions. The
renewal of the relationship has helped the
branches to augment their kitty.
Womens Day on 08.03.2010: A weeklong
celebration from 8th March 2010 to 13th
March 2010 was held in connection with
the celebration of the Womens Day 2010.
At branch level, 600 selected women SHG
members were honoured through 120
branches. At regional level, 21 successful
women entrepreneurs banking with the
Bank were honoured. The women selected
for the honour belong to lower strata of
58
_mv BZ-cn-X
- v. Cu ]cn-]m-Sn-I kaqlw
\ \nebvv kzoI-cn-p-Ibpw Fm imJI-fnepw kv{XoI-fpsS \nd kmn[yw
Dm-hp-Ibpw sNbvXp.
inip Zn\w 2009 \hw-_ 14. Cu hjw
hnZym-`ym-k
- n-\mbn s]Ip-n-Isf ZsSp-p-sImv hn-ti-j-s coXn-bn-emWv
_mv inip Zn\w BN- c n- - X v . kv I q
hnZymn-\n-I-fmb 6\pw 14\pw CSbvp
{]mb-ap- Zcn-{Zcpw ]T-\a
- n-Ihv ]pep-hc
- p-amb s]Ip-n-Is
- f-bmWv Cs\
Xnc- s - S p- - X v . AwK- s sh- I - e y- a p
A\m-Yc
- mb Ipn-Iv {]Ya ]cn-KW
- \
\In. ]Tn-p m]\w \Inb AS {]Imcw Hcp Ipnbvv \Inb ]c-amh[n hmjnI klmbw 5,000/ cq]-bm-Wv.
slUv Hmôkv Ap s]Ip-n-Is
- f-bpw,
Xncp-h-\-]pcw, tIm-bw, Fd-Wm-Ip-fw,
tImgn- t m- S v , sNss, tkmWp- I fpw
sUln, apwss_ doPy- \ p- I fpw cp
s]Ip-n-Isf hoX-hp-amWv Zs-Sp-X
- v.
inip Zn\-n-emWv Cu ]Xn DLm-S\w
sN-s--Xv.
=zi E B E E l* < EG E
V E +SU |iG +
J + E Mi
< l*
n -14 x 2009: E x I v
+Ei+ E B i |nx Ex i
BE E E Mn E BE iE
n x l* E {gx 6
14 + O{ E M cE E
Sx E M l* EM +xl SS E
i n M<* BE cE E B n Vx
+vEi i |i 5,000/- .
(l u nB MB +Ex E +x) |vx
E u 5 cE + ixxi{,
E]], BhE, ECEb, Sz +S +
n, < Ij u |i E n E+
E Mn l* |VC] E =nP]x n
E E M l*
society who have contributed to the

upliftment of their family by participating in
SHG activities. The programme was well
received by the society. Every branch
function witnessed a high level of women
participation.
Childrens Day - 14th November 2009:
Bank has celebrated Childrens Day in a
special way by adopting girl children, to take
care of their education. Poor bright girls are
selected in the age group between 6 to 14
years studying in schools. Preference is given
to orphan children with disabilities.
Maximum assistance given to one child per
year is Rs.5,000/- (as per the estimate given
by the institution). Head office adopted 5
girls and Thiruvananthapuram, Kottayam,
Ernakulam, Kozhikode, Chennai Zones and
Delhi, Mumbai Regions adopted two girl
children each. The project was inaugurated
on Childrens Day.
C-c
- n-ep Hmtcm BtLm-jhpw ]{X-c-ky-, _m\-dp-I, t_mUp-I,
]m-fn-If
- p-ambn CS-s]-Se
- p-I Fn-hh
- gn
_mns kmn[yw IqSp-X Zriy-am-p-Xn-\p Ah-kc
- a
- m-bn-mWv _mv D]-tbmK- s - S p- n- b - X v . Cu ]cn- ] m- S n- I - f msI
_mn\v AXns hym]-\w, Zriy-]-c-X,
ASpw Fnh sa-s-Sp-p-X
- n\pw CS]m-Sp-Ismw P\-hn-Imcw A\pIqe
amp-X
- n\v klm-bI
- a
- m-bn.
E x E + E =ì B S
{j Y{x / x, b E WB il BE
BE M E l S EE +{x
oi vx E + E =` l*
< E E {S, oi, + xE]i vx
nn il =xE E E +x
+*
Bank took advantage of celebration of

every such occasion as an opportunity to
improve the visibility through newspaper
advertisements/banners/ boards and
through one to one interactions with the
participants. This has helped the Bank to
improve the reach, visibility, and nearness
to society and to develop a feel of being
with them.
27. Imbn-I-cwKw
27.
27. Sports And Games
27.1 _mns ^pSv_m, {Inv Soap-I

]e a-c
- fpw hnP-bnv _mn\v t]cpw
{]i- k v X nbpw t\Sn- - p. C{]- I mcw
_mn\v cmPy-sm-msI am[y-a {]Nmcw
e`np. _mns ]e Ifn-mcpw ktmjv
t{Sm^n, cRvPn t{Sm^n a-c
- f
- n tIcfs {]Xn-\n-[o-Ic
- n-m-\mbn Xnc-s-Sp-s-Sp-I-bp-m-bn.
27.1
27.2 Cu Ime-bf
- h
- n _mns ^pSv_m
Sow H-\-h[n AJn-te-ym, AJn-e-tI-cf
a-c--fn ]s-Sp-p. hnP-b--fpsS
lm{SnIv ]qn-bm-n-smv Csmw
_mns ^pSv _ - l m Sow tIcf
kwm\ _v Nmw]yjnv Ic--amn. AJn-teym ^pSv_m sÛ-td-j
_mns Soans\ cmw Unhn-j AJnteym eoKv a-c
- f
- n ]s-Sp-m-\mbn
Xnc-s-Sp-p-I-bp-m-bn.
27.2
JEn
E E GE] + ] ] x +xE
S / ]xx] Vi + E V{j
il n E E x Ex E
B c EV x E +* E
E E< Jb E xi ] V ]
S E |ixvi Ex E B Sx M*
+v E nx E E ] ] x
z +J i + +J E ]xx]/
S M * < E E ]
] x B Vi E ]-]E { Ei B
E ]] C S{x{ Vi* +J
i ] bx u n bVx
xx M M x E B ] E Sx
M*
27.1 The Banks Football and Cricket Teams

won many matches/tournaments and
brought laurels and glory to the Bank and
generated wide media coverage for the
Bank throughout the country. Many of the
Banks players are selected to represent
Kerala State in the Santhosh Trophy / Ranji
Trophy matches.
27.2 The Football team participated in
various All India and All Kerala
tournaments/matches during the period.
This year the Banks Football Team won
the Kerala State Club Championship
completing a hat-trick of such wins. The
team has also been selected by the All India
Football Federation to participate in the 2nd
Division National League.
59
27.3 _mns {Inv F Sow At\Iw
27.3
E E GE] ""B'' ] x z +J 27.3 Banks Cricket A team participated in
AJn-te-ym, AJne tIcf a-c

- fn
i / +J E ]xx] M *
the various All India and All Kerala

tournaments. Out of the 32 matches played
]s-Sp-p. ]s-Sp 32 a-c

- f
- n 25
F- n Pbnp. Cu Ime- b - f - h n, J MB 32 S ] x 25 S Vi* the team has won 25. During the period
AJn-teym ]qPm {In-v, Iym]v sPdn +v E nx ] x +J i {V the team won the All India Pooja Cricket,
t{]wcmPv SqW-sa v, ske-n-b Iv,
GE], E{]x V | V ]xh], ] Capt. Jerry Prem Raj Tournament, Celestial
sImd-am- kna vkv t{Sm^n Fo a-
E{, Exb x] ] Vi + Sz<

c- hnP- b n- p- I bpw sNss- b n
reached final in the All India KSCA Trophy
\S AJn-teym KSCA t{Sm^n a-c-
+Vi +J i E B B ]
ns ss^\-en-se-p-Ibpw sNbvXp.
]xx] <x +*
28. Ub-d-IvS t_mUn-ep-mb

am-
28.
2009-10
Directors
E +v E n x During the course of the financial year 200910, there were five changes in the Board of
2009-10 kmnI hj-n \psS
xnE b
{ix B*
Directors.
Ub-d-IvS t_mUn Ap am-
1. {io F.-sI. PK-m-Y, 1959se tv
_mv Hm^v Cy (D-]mw-K_

- m-p-I) \nbaw
1.
i ]] E (xM E) +vx 1. Shri A K Jagannathan, Managing Director

1959 E v 25 ={ v (1) E Jhb (BB) appointed under Clause (aa) of sub-section
E +xiMi 28 +| 2009 B E VMzlx, (1) of Section 25 of State Bank of India
hIpv 25 D]hIpv (1) JWvUnI (aa) A\p-
(Subsidiary Banks) Act 1959 with effect
|xv xnE E xH E M<*

k-cnv 2009 G{]n 28 apX amt\-PnwKv
Ub-dI
- vSd- mbn \nb-an-X\
- m-bn.
tournament held at Chennai.
28. Changes in the Board of
xnE b {ix
Dm-bn.
Cup, Coromandal Cement Trophy and
from 28th April 2009.

2.
i ]] E (xM E) +vx 2. Shri Gyan Chand Pipara, Non Official

2. {io. Kym Nv ]n]m-c, 1959se tv 1959 E v 25 ={ v (1) E Jhb (b) E
Director, was nominated by State Bank of
_mv Hm^v Cy (D-]mw-K_
- m-p-I) \nbaw
+xiMi i ]] E x
hIpv 25 D]hIpv (1) JWv U nI ( d)
15
<
India, under clause (d) of sub-section (1) of
2009
{]Imcw 2009 sabv 15 apX A\u-tZym-KnI
YxSxn {{ M E xnE xi
Ub-dI
- vSd- mbn \ma-\ntZiw sN-s-p.
E *
Section 25 of the State Bank of India

(Subsidiary Banks) Act, 1959, with effect
3. 1959se tv _mv Hm^v Cy (D-]mw-K-
3.
from 15th May 2009.
i ]] E (xM E) +vx 3. Shri A Thomas, Director under Clause
_m-p-I) \nbaw hIpv 25 D]hIpv (1)

JWvUnI (e) {]Imcw Ub-dI
- vSd- m-bn-cp
1959
{io F. tXmakv kq-dm-t\z-j ]qn-bm-
+xiMi B i
b-Xn-s\-Xp-Sv 2009 Pqsse 31\v hnc-an-p-
|{i E xk MB +
E v
25
={ v (1) E Jhb (<) E

31
V<
2009
E +v
Bank of India (Subsidiary Banks) Act, 1959,

retired on attaining superannuation, as at
27
Vx
Ibpw Xm-\v 2010 P\p-hcn 27 apX

2010
{ xM b B*
{io ]n. hn\m-b-Is \nb-an-p-Ibpw
the close of business on 31st of July 2009

and was substituted by Shri P Vinayagam
i ]] E (xM E) +vx with effect from 27th January 2010.
sNbvXp.
4.
4. 1959se tv _mv Hm^v Cy (D-]mw-K-
1959
E v
25
={ v (1) E Jhb ( B)
4. Shri C T Koshy, Director under Clause

(ca) of sub-section (1) of Section 25 of State
_m-p-I) \nbaw hIpv 25 D]hIpv (1)
E +xiMi ] E
JWvUnI (ca) {]Imcw Ub-dI
- vSd- m-bn-cp
(e) of sub-section (1) of Section 25 of State
31
+Mi
2009
Bank of India (Subsidiary Banks) Act, 1959,
{io kn.-Sn. tImin kq-dm-t\z-j ]qn-bm- E E xn x { +v |{i E retired on attaining superannuation, as at

the close of business on 31st August 2009.
b-Xn-s\-p-Sv 2009 BKv 31\v hnc-an-p.
xk MB*
60
5. 1959se tv _mv Hm^v Cy (D-]mw-K_m-p-I) \nbaw hIpv 25 D]hIpv (1)

JWvUnI (c) {]Imcw Ub-dI
- vSd- m-bn-cp
{io Pn_m tKmkzman No^v P\-d amt\P (Ckvs]-Ivj & amt\-Pvsa v HmUnv) Bbn Fkv._n.sF bn \nb-a\w e`n-Xns\ XpSv 2009 sk]vw-_ 19\v Ubd-IvS t_mUn \npw cmPn kan-p.
]Icw 2009 sk]vw-_ 20 apX {io _n.F-kv. tKm]m-eI
- rjvW \nb-an-X\
- m-bn.
5.
t_mUn \nv hnc-an k{io G

tXmakv, kn Sn tImin, Pn_ tKmkzman
FnhcpsS hne-tb-dnb kw`m-h\
- I
- v
Ub-dI
- vS t_mUv \n tcJ-s-Sp-pp.
xnE b =xE |i + |E] Ei il

B i, ] E B Vx
M u E E xnE E { =xE
+ E B vxn ni *
29. kvmyq-dn HmUnv

dnkhv _mv Hm^v Cy-bpsS AwKo-Im-ctmsS tv _mv Hm^v Cy, 2009-10se
HmUn-am-cmbn satgvkv t{]wKp]vX &
I-\n, \yqsUln, satgvkv tkmUm\n
& I-\n, CtUm, satgvkv cma-\mYw
& dmhp, ssl{Zm-_m-Zv, satgvkv kmlm
KmwKpen & Atkm-kn-tb-vkv, sIm-,
satgvkv sPbn & sPbn, apwss_
Fn-hsc \nb-an-p. hne-s \ntZ-ifpw ]np-Wbpw kl-Ic
- W
- hpw \IpIbpw IrXy-ka
- b
- v HmUnv Xop-Ibpw
sNbvX myq-dn HmUn-t-gvkn\v Ub-dI
- vS
t_mUv BmY-ambn \n tcJs-Spp-p.
30. IrX-X
Cym Khsans [\-Imcy a{m-ebw, dnkhv _mv Hm^v Cy Fnh
\Inb hne-s D]-tZ-i
- pw ]npWbvpw, [\-Imcy m]-\
- fpw tmv
FIvkvtN-p-Ifpw Id-kvt]m-p-amcpw
\Inb klm-b-k-l-I-c-W-n\pw Ubd-ISv t_mUv \n tcJ-s-Sp-p-p. am\y
CS-]m-Sp-Im-cp-sSbpw Hml-cn-bp-Sa
- I
- f
- p-sSbpw
k-t\m-`m-h-sbpw kl-I-c-W-sbpw
R hne- a - X n- p- p. AhmUv - - k qssh-knwKv m^v DssS Fm Poh\-m-cp-sSbpw klm-b-k-l-I-c-W-v
t_mUv IrX-X tcJ-s-Sp-p-p.
Fwtm-bokv bqWn-b\pw Hmô-tkgvkv
Atm-kn-tb-j\pw \Inb klm-bk
- l
- I-cW
-
- pw t_mUv AI-ag- n IrXX tcJ-s-Sp-p-p.
t_mUns D-chp {]Imcw
F.-sI. PK-m-Y
amt\-PnwKv Ub-dI
- vS
i ]] E (xM E) +vx
1959 E v 25 ={ v (1) E +xiMi .
Vx M, xnE, J |xvE (xIh
B |xvx J {I) E { xH x
19.09.2009 E b <i n n +
20 i 2009 B M{Eh b
B*
29.
5. Shri Jiban Goswami, Director under

Clause (c) of sub-section (1) of Section 25
of State Bank of India (Subsidiary Banks)
Act, 1959 resigned from the Board on
19.09.2009 on his appointment as Chief
General Manager (Inspection &
Management Audit) in SBI and was
substituted by Shri B S Gopalakrishna with
effect form 20th September 2009.
The Board of Directors place on record their
appreciation and thanks for the valuable
services rendered by Shri A Thomas, Shri C
T Koshy and Shri Jiban Goswami during their
tenure as Directors of the Bank.
29. Statutory Audit
vE J {I
| M{i B E{x, x< n B

bx B E{x, <xn, xl B
, nn, MM B BB],
EEi + Vx B Vx, < E i
V E E +xnx i ]] E u
2009-10 i E E vE J-{IE
E { xH E* xnE b
{ J {I { Ex i vE J
{IE u nB MB Z il =iE`
i B M E nE x Ei *
M/s. Prem Gupta & Company, New Delhi

and M/s. Sodani & Company, Indore, M/s.
Ramanatham & Rao, Hyderabad, M/s. Saha
Ganguli & Associates, Kolkata and M/s Jain
& Jain, Mumbai were appointed as Statutory
Auditors of the Bank for the year 2009-10
by State Bank of India, with the approval of
the Reserve Bank of India. The Board of
Directors sincerely appreciates the valuable
suggestions offered and the excellent
support and cooperation extended by the
Statutory Auditors for the completion of the
audit well in time.
30. Acknowledgements
b E +nx
The Board of Directors gratefully

acknowledges the valuable advice and
support extended by the Ministry of Finance,
India and the cooperation and support
extended by the Financial Institutions, Stock
exchanges and Correspondents. The Board
also wishes to place on record its sincere
appreciation of the excellent support,
goodwill and patronage received from the
esteemed customers and shareholders, the
support and cooperation extended and
contributions made by the members of staff
- award and supervising. The Board also
places on record its appreciation for the
contribution made by the Employees Union
and Officers Association.
By Order of the Board
B E VMzlx
A K Jagannathan
|xv xnE
Managing Director
30.
xnE b, k j, i E B
i W E E B M
il k l+, ]E BCSV B nni+
u nB MB i B M E |i +{x
+ |E] Ei * b, xi OE,
v |{i M, nx il Ih
E B il ] n-+b B {I E
i, M il Mnx E nE x
Ei * b, ES P (Union) il +vE
BBx (Association) E Mnx E
x Ei *

Annual Report 2010 A FINAL

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tv _mv Hm^v {SmhIq

(tv _mv Hm^v Cy-bpsS Atkm-kn-tb-v)

slUv Hm^okv: Xncp-h\

|vx E& ixxi{

S 2010 E {i +v E B xnE b E {], E E ix {j B -x Ji + E E ix-{j B

150. HmUn-am-cpsS dntmv

153. Auditors Report

(BB) E +xiMi xnE

Dr. Srinagi B Rao

Shri P V Sivasankara Pillai

Shri K Thanu Pillai

(b) E +xiMi xnE

Shri Gyan Chand Pipara

1959se tv _mv Hm^v Cy

2009 G{]n 1 apX

1.1. BtKmf k-Zvhy-h

Ign km-nI hj-ns cmw

1.2 tZiob k-Zvhy-h

Report of the Board of Directors

There has been a discernible improvement

1.2 National Economy

1.3 tIc-f-ns km-n-I-cwKw

improved markedly in recent months.

1.3 Kerala Economy

k- Z v h y- h GXmv ]q- a mbpw

1.4 _mnwKv ]cn-nXn

Reaching out to the remotest areas

Investments in manufacturing sector are very

1.4 Banking Environment

decelerated growth in the balance sheet of

mid-September 2008 in order to mitigate

kmnI\bw ImcWambn. ]t,

sjUyqUv Ita-gvky _mp-Imbp {]tXyI [\-kl

{x&Jn n + |iii {x&Jn n nx

+xSi hVE E i {xk

_mv \ncv am-an-msX 6 iX-am-\a

The monetary measures implemented

200910 km-nI hj-n \S-m-nb

some sector-specific facilities and restoring

Both Repo rate and Reverse repo rate,

Some of the other major measures

+xSi hVE E { |V Ivx

Rs.102 cr. Rs.676 cr. Rs.3,229 cr.

tkhnwKvkv _mv Au-p-I-fpsS

]pXnb {_mv XpSphm\p amK\ntZ-i

s_vamv ss{]w seUnMv tdv

_mp-Ip Ib-p-aXn hmbv]m-[\

samss_ _mnwKv \S-m-p--Xn\p ka-{K-\ntZ-i

F.-B.(-C).-B.-F, F^v.-kn.-F.B (_n) \nt-]

Itagvky dnb Ftv taJebnse

+| 2010 +xSi hVE E

Interest on savings bank accounts is to

Branch Authorisation Guidelines were

Introduction of a new Base Rate for

The increased limit for export credit

Comprehensive guidelines were issued

Comprehensive Guidelines were issued

The cap of Rs.20 lac on loans granted

The provisioning requirement for

Banks advised to augment their

hIbncpepI DssS samw

2009-2010se _mns {]h-\e