Beruflich Dokumente
Kultur Dokumente
MEMORABLE MOMENTS
osvee yeQke ves cegbyeF& ceW efoveebke 24.03.2012 kees Deeeesefpele DemeeOeejCe meeceeve yewke ceW Yeejleere
peerJeve yeercee efveiece kees DeefOeceeveer DeeOeej hej F&eqkeJeer MesejeW kes Deeyebve kes efueS Mesej OeejkeeW
kee Devegceesove heehle efkeee. efe$e ceW yeeSb mes oeSb Meceeve nQ eer DeeF&.Sce.Deuces[e, efveosMeke,
eer S.kes.oe, keee&heeueke efveosMeke, eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke leLee
eer Sme.kes.pewve, ceneheyebOeke.
Dena Bank secured the approval of the Shareholders for the allotment of
Equity Shares on preferential basis to LIC in the Extra Ordinary General
Meeting held in Mumbai on 24.03.2012. Seen in the picture L-R: Shri I.M.
Almeida, Director, Shri A.K. Dutt, ED, Smt. Nupur Mitra, CMD & Shri S.K.
Jain, GM.
cegbyeF& ceW yeQke kes heOeeve keeee&uee ceW Deeeesefpele Debleje&^ere ceefnuee efoJeme meceejesn ceW
eerceleer Meeceuee ieesheerveeLe, hetJe& Ghe ieJeve&j, Yeejleere efj]peJe& yeQke, efJeMes<e DeefleefLe LeeR. meceejesn
ceW eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke, pees yeQke keer heLece ceefnuee DeOe#e SJeb heyebOe
efveosMeke Yeer nQ leLee eer S.kes.oe, keee&heeueke efveosMeke Deewj yeQke kes ceefnuee ke#e kes DeOe#e,
Yeer GheeqmLele Les.
Smt. Shyamala Gopinath, Retd. Dy. Governor RBI, was the Guest of Honour
at International Womens Day celebrations at Banks Head Office in Mumbai.
The occasion was graced by the presence of Smt. Nupur Mitra, CMD who is
also incidentally the first Chairperson & Managing Director of the Bank and
Shri A.K. Dutt, ED and Chairman of Women Cell of the Bank.
osvee yeQke ves jepe mlejere yeQkeme& meefceefle keer 132JeeR yewke efo. 28.03.2012 kees ieebOeerveiej ceW
Deeeesefpele keer. osvee yeQke iegpejele kes efueS jepe mlejere yeQkeme& meefceefle kee mebeespeke nw. efe$e
ceW eer vejW ceesoer, ceeveveere cegKe ceb$eer, iegpejele leLee eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe
efveosMeke, osvee yeQke, Meceeve nQ.
Dena Bank conducted 132nd State Level Bankers Committee Meeting at
Gandhinagar on 28.03.2012. Dena Bank is the SLBC Convener Bank for
Gujarat. Seen in the picture, Shri Narendra Modi, Honble Chief Minister of
Gujarat and Smt. Nupur Mitra, Chairperson SLBC and CMD, Dena Bank.
Yeejleere efjpeJe& yeQke kes ieJeve&j [e@.[er.megyyeejeJe mes nceejer ie=nheef$ekee ``osvee peesefle'' kes efueS
jepeYee<ee hegjmkeej heehle kejles ngS ceneheyebOekeieCe eer Sce.kes.Mecee& Deewj eer Sce.kes.Yeeefee.
meeLe ceW Je nQ Yeejleere efjpeJe& yeQke kes Ghe ieJeve&j, [e@.kes.meer.eeJeleea (yeebeer Deesj).
Shri M.K. Sharma & Shri M.K. Bhatia, ,General Managers, Dena Bank,
receiving the Rajbhasha Award at the hands of Dr. D. Subba Rao, Governor,
RBI, for Banks House Journal, Dena Jyoti. Also seen is Dr. K.C. Chakrabarty,
Dy. Governor RBI (L).
efveosMeke ceC[ue
Board of Directors
eer S.kes. oe
Shri J. Balasubramanian
Je<e& 2011-12 kes oewjeve efvecveefueefKele efveosMeke Yeer yeQke kes efveosMeke ceb[ue
ceW Meeefceue Les.
During the year 2011-12 the following Directors also served on
the Board of Directors of the Bank
(31.10.2011 leke)
(01.12.2011 leke)
(29.05.2011 leke)
(16.03.2012 leke)
(16.03.2012 leke)
Shri M. K. Jain
Shri S. K. Jain
Shri R. K. Gupta
Shri S. R. Bansal
eer.Sce.kes. Mecee&
Shri M. K. Sharma
Shri R. S. Bora
Shri R. P. Acharekar
Shri S. N. Patel
Shri B. M. Nanda
Shri A. C. Katial
Je<e& 2011-12 kes oewjeve efvecveefueefKele ceneeyebOeke Yeer yeQke keer mesJee ceW Les.
During the year 2011-12 the following General Managers also
served with the Bank
Shri M. K. Bhatia
Shri S. K. Sharma
Shri R. Sridharan
(30.06.2011 leke)
(12.12.2011 leke)
(31.01.2012 leke)
Shri S. Kumar
(09.03.2012 leke)
(31.03.2012 leke)
metevee
Notice....................................................................................................................................................................... 5
keeHeexjs DeefYeMeemeve
Corporate Governance.......................................................................................................................................... 44
Particulars of Directors........................................................................................................................................... 62
yesmeue-II ekeerkejCe
Basel-II Disclosures............................................................................................................................................... 75
legueve He$e
Balance Sheet........................................................................................................................................................ 86
cegKleejer Heece&
GHeefmLeefle men-eJesMe-Heeea
M/s. B K Khare
M/s. S N Dhawan
M/s. Avanish K
& Co.
& Co.
Co.
& Co.
Associates.
Chartered Accountants
Chartered Accountants
Chartered Accountants
Chartered Accountants
Chartered Accountants
Chartered Accountants
eOeeve keeee&uee osvee kee@Heexjs meWj, meer-10, peer yuee@ke, yeebe-keguee& kee@cHueskeme, yeebe (HetJe&), cegbyeF& - 400 051.
Head Office: Dena Corporate Centre, C-10, G Block, Bankdr-Kurla Complex, Bandra (East), Mumbai - 400 051.
efveJesMeke mebHeke& kesv osvee kee@Heexjs meWj, meer-10, peer yuee@ke, yeebe-keguee& keecHueskeme, yeebe (HetJe&), cegbyeF& - 400 051.
Investor Relations Centre: Dena Corporate Centre, C-10, G Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051.
jefpem^ej SJeb Mesej DeblejCe SpeW Mesejees meefJe&mespe (Fbef[ee) ee.efue. etefve osvee yeQke, meefcnlee keecHueskeme, ogkeeve meb. 52 mes 56, efyeefu[bie meb. - 13-S-yeer, meekeerveekee
sueerHeesve SkemeeWpe kes Heeme, DebOesjer-keguee& jes[, meekeerveekee, cegbyeF&-400 072.
Registrars & Share Transfer Agents: Sharepro Services (India) Private Limited Unit: Dena Bank, Samhita Complex, Gala No.-52 to 56,
Bldg. No. 13 A-B, Near Sakinaka Telephone Exchange, Andheri-Kurla Road, Sakinaka, Mumbai - 400 072.
Jeeef<e&ke efjHees&
2011 - 2012 | 2
Performance Parameters
2007-08
2008-09
2009-10
2010-11
2011-12
No. of Branches
1160
1184
1223
1291
1342
1160
1184
1223
1291
1342
108
606
1223
1291
1342
No. of ATMs
316
387
396
496
543
No. of Employees
9957
9883
10525
9953
10202
hetbpeer
Capital
hetbpeer
Capital
286.82
286.82
286.82
333.39
350.06
1280
1662
2106
3126
3941
11.09
12.07
12.77
13.41
11.51
keejesyeej ceeveob[
Business Parameters
keejesyeej mebefcee
Business Mix
57324
72235
87066
109373
134326
% Je=ef
Increase in %
23.61
26.01
20.53
25.62
22.81
kegue peceejeefMeeeb
Total Deposit
33943
43051
51345
64210
77167
Increase in %
22.58
26.83
19.26
25.06
20.18
23381
29185
35721
45163
57159
% Je=ef
Increase in %
25.15
24.82
22.40
26.43
26.56
23024
28878
35462
44828
56693
% Je=ef
Increase in %
25.79
25.42
22.80
26.42
26.47
efJeefveOeeve (efveJeue)
Investment (Net)
10335
12473
15694
18769
23028
% Je=ef
Increase in %
10.83
21.29
25.82
19.59
22.69
8096
9715
11718
15150
17153
% kes
43.32
41.55
40.15
42.41
38.54
ke=ef<e
Agriculture
2794
3851
4826
6389
6989
% Je=ef
Increase in %
-16.45
37.83
25.32
32.39
9.39
efjsue
Retail
4294
4424
5380
6136
7283
% Je=ef
Increase in %
25.59
3.03
21.61
14.05
18.69
Je=ef
Performance Parameters
2007-08
2008-09
2009-10
2010-11
2011-12
3885
4775
5647
6784
8291
% Je=ef
Increase in %
23.02
22.90
18.26
20.13
22.22
efJeeere eqmLeefle
Financials :
heefjeeueveiele ueeYe
Operating Profit
656.44
726.36
840.58
1223.79
1528.43
efveJeue ueeYe
Net Profit
359.79
422.66
511.25
611.63
803.14
Interest Income
2676
3447
4010
5034
6794
yeepe Jee
Interest Expenses
1817
2383
2910
3270
4693
478
430
589
534
582
kegue Deee
Total Income
3154
3878
4599
5567
7376
kegue Jee
Total Expenses
2468
3151
3758
4344
5848
2.67
2.91
2.61
3.17
3.17
5.90
6.36
6.21
5.76
7.06
5.95
6.47
6.31
5.87
7.11
10.11
10.71
10.32
10.24
11.77
8.22
8.76
8.52
8.62
9.78
1.06
1.02
1.01
1.00
1.08
27.12
24.05
23.55
22.90
20.72
12.54
14.74
17.83
21.26
24.08
mekeue Sve.heer.S
Gross NPA
572.60
620.77
641.99
842.24
956.50
2.45
2.13
1.80
1.86
1.67
efveJeue Sve.heer.S.
Net NPA
215.43
313.38
427.53
548.95
571.73
0.94
1.09
1.21
1.22
1.01
60.70
48.27
78.61
74.62
75.53
Glheeokelee Devegheele
Productivity Ratios :
5.76
7.31
8.27
10.99
13.17
54.03
66.45
71.21
91.60
107.81
Jeeef<e&ke efjHees&
134326
26590
109373
120000
27000
40000
77167
64210
51345
20000
0
2009 - 2010
2010 - 2011
2011 - 2012
` In Crore
60000
21000
ceW
35721
12000
15000
9000
6000
3000
2009 - 2010
Return on Assets
1.1
1.00
` kejes[
3.50
1.08
1.01
2010 - 2011
1.01
2.50
1.67
1.50
1.00
0.50
2009 - 2010
2011 - 2012
` kejes[
ceW ` In Crore
611.63
Operating Profit
2010 - 2011
14
13.41
12.77
11.51
12
9.77
10
6
4
2
2009 - 2010
2500
50.22
2101
2000
46.73
43.04
40
` In Crore
45
35
2011 - 2012
50
2010 - 2011
DeJeefOe Period
Hetbpeer Heee&Hlelee DevegHeele
Net Profit
8.86
8.16
2011 - 2012
55
0
2009 - 2010
2011 - 2012
16
803.14
840.58
Heefjeeueveiele ueeYe
2010 - 2011
DeJeefOe Period
efJeJeue DeefeceeW keer leguevee ceW efveJeue
mekeue DeefeceeW keer leguevee ceW mekeue
iewj efve<Heeoke DeeefmleeeW kee %
iewj efve<Heeoke DeeefmleeeW kee %
511.25
1.86
1.80
2.00
DeJeefOe Period
1400
1300
1200
1100
1000
900
800
700
600
500
400
300
200
100
0
1.22
1.21
3.00
0.00
2009 - 2010
2011 - 2012
DeJeefOe Period
0.9
2010 - 2011
ceW ` In Crore
18319
18000
DeJeefOe Period
1.2
22744
24000
57159
45163
80000
` kejes[
87066
100000
ceW
` In Crore
140000
` kejes[
160000
2011 - 2012 | 4
1764
1500
1100
1000
2009 - 2010
2010 - 2011
DeJeefOe Period
2011 - 2012
500
2009 - 2010
2010 - 2011
DeJeefOe Period
2011 - 2012
metevee NOTICE
heOeeve keeee&uee osvee keeheexjs meWj, meer-10, peer yuee@ke, yeebe-keguee& kee@chueskeme, yeebe (hetJe&), cegbyeF& - 400 051
Head Office: Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051
metevee
NOTICE
Sleoeje metevee oer peeleer nw efke osvee yeQke kes Mesej OeejkeeW keer meesuenJeeR Jeee|<eke
meeceeve meYee MeefveJeej, 30 petve, 2012 kees heele 11.00 yepes meYeeie=n, mej
meesjeyepeer heeseKeeveeJeeuee yeQkeme& heefMe#eCe ceneefJeeeuee, pes.Jeer.heer.[er. mkeerce,
efJeues heeuex (heeqece) cegbyeF& - 400 056 ceW efvecveebefkele keeeeX kees mebheeefole kejves nsleg
Deeeesefpele nesieer.
ceo meb. 1
ceee& 2012 kes legueve he$e Deewj Gmeer leejerKe kees meceehle Je<e& kes ueeYe SJeb neefve
uesKeeW, yeQke kes keecekeepe SJeb ieefleefJeefOeeeW hej efveosMeke ceC[ue keer efjhees& leLee legueve
he$e Deewj uesKee hej uesKee hejer#ekeeW keer efjhees& hej efJeeej-efJeceMe&, Devegceesove SJeb
Debieerkeej kejvee.
31
ceo meb. 2
Item No. 2
efJeeere Je<e& 2011-12 kes efueS F&eqkeJeer MesejeW hej ueeYeebMe Ieesef<ele kejvee.
mLeeve : cegbyeF&
efoveebke 25.05.2012
(vethegj efce$ee)
DeOe#e SJeb heyebOe efveosMeke
Place: Mumbai
Date : 25.05.2012
NOTES:
1.
1. APPOINTMENT OF PROXY
meYee ceW GheeqmLele jnves Deewj celeoeve kejves kee / kes hee$e MesejOeejke Deheves mLeeve
hej meYee ceW efkemeer Deve kees GheeqmLele jnves leLee celeoeve kejves kes efueS heefleefveefOe
efveege kejves kee hee$e nesiee / nesieer. heefleefveOelJe heYeeJeer nes, Fme eq mes heefleefveefOe
efveege kejves kes hee$e DeLee&le cegKleejer Heece& ceW metevee meesuenJeeR Jeee|<eke meeceeve
meYee keer leejerKe mes kece mes kece eej efove hetJe& DeLee&le meesceJeej 25 petve, 2012 kees
keece-keepe kee mecee meceehle nesves kes mecee ee Gmemes hetJe& yeQke kees efJeefvee|o mLeue
hej DeJeMe heehle nes peeveer eeefnS.
2.
Ssmeer keesF& kecheveer efveieefcele efvekeee, pees yeQke keer MesejOeejke nes, kes efJeefOeJele
heeefOeke=le heefleefveefOe kes he ceW keesF& Yeer Ssmee Jeefe meYee ceW GheeqmLele jnves ee celeoeve
kejves kee leye leke hee$e veneR nesiee peye leke efke Gmes efJeefOeJele heeefOeke=le heefleefveefOe kes
efhheefCeeeB :
cegKleejer keer efveegefe
(Nupur Mitra)
Jeeef<e&ke efjHees&
2011 - 2012 | 6
metevee NOTICE
he ceW efveegefe efJe<eeke mebkeuhe, efpeme meYee ceW Jen heeefjle ngDee Lee, Gmekes meYeeheefle
eje meleeefhele efkeee ngDee, keer heefleefueefhe meesuenJeeR Jeee|<eke meeceeve meYee keer efleefLe
mes kece mes eej efove henues DeLee&le meesceJeej 25 petve, 2012 kees keecekeepe kee mecee
meceehle nesves mes hetJe& kecheveer meefeJe, osvee yeQke, heOeeve keeee&uee, osvee keeheexjs
meWj, leermejer cebefpeue, meer-10, peer yuee@ke, yeebe-keguee& kee@chueskeme, yeebe (hetJe&)
cegbyeF& 400 051. kes heeme pecee ve keje oer peeS.
3.
GheeqmLeefle-men-heJesMe heeea
MesejOeejkeeW keer megefJeOee kes efueS GheeqmLeefle-men-heJesMe heeea Fme efjhees& kes meeLe
mebueive nw. MesejOeejkeeW/cegKleejveecee OeejkeeW/heeefOeke=le heefleefveefOeeeW mes DevegjesOe nw
efke Jes GmeceW efoS ieS mLeeve hej Deheves nmlee#ej kejkes Gmes meYee mLeue hej hemlegle
kejW ~ MesejOeejke kes heeefOeke=le heefleefveefOe/cegKleejer GheeqmLeefle-men-heJesMe heeea ceW
cegKleejer ee heeefOeke=le heefleefveefOe, pewmeer Yeer eqmLeefle nes ,kee GuuesKe kejW . meYee mLeue
ceW heJesMe keer Devegceefle kesJeue JewOe GheeqmLeefle heeea -men - heJesMe heeme kes DeeOeej hej
ner oer peeSieer.
4.
4. BOOK CLOSURE
yeQke kee MesejOeejkeeW kee jefpemj Deewj Mesej DevlejCe jefpemj Jeee|<eke
meeceeve meYee Deewj ueeYeebMe keer hee$elee megefveeqele kejves kes GsMe mes MeefveJeej,
23 petve, 2012 mes MeefveJeej, 30 petve, 2012 (oesveeW efove Meeefceue) leke yevo
jnWies ~
5.
5. PAYMENT OF DIVIDEND
of the Bank will remain closed from Saturday, June 23, 2012 to
Saturday, June 30, 2012 (both days inclusive), for the purpose of
Annual General Meeting and for ascertaining the entitlement of
dividend.
efveosMeke ceb[ue eje hemleeefJele ueeYeebMe kee Yegieleeve efoveebke 22 petve 2012 leke
MesejeW kes DeblejCe kes efueS heehle DevegjesOe hej efJeeej kejves kes yeeo Gve MesejOeejkeeW
kees efkeee peeSiee efpevekes heeme Mesej keeiepeer he ceW ceewpeto nQ Deewj efpevekee veece 30
petve, 2012 kees yeQke kes MesejOeejkeeW kes jefpemj ceW ope& nw, leLee Ssmes MesejOeejke
efpevekes heeme Mesej yeskeeiepeerke=le he ceW nQ GvnW ueeYeebMe kee Yegieleeve, ef[hee@efpejer
eje 22 petve, 2012 kees meceehle keecekeepe kes mecee leke GheueyOe ueeYeeLe& mJeeefcelJe
kes efJeJejCeeW eLee yeQke Keeles SJeb heles kes efJeJejCe kes DeeOeej hej efkeee peeSiee. ueeYeebMe
kes Yegieleeve keer leejerKe 10 pegueeF& 2012 nesieer Deewj Jen Jeee|Meke meeceeve yewke keer
leejerKe mes 30 efoveeW kes Deboj Yespeer / pecee keer peeSieer.
6.
6. TRANSFERS
DeblejCe
keeiepeer he ceW Oeeefjle Mesej heceeCe he$eeW kees DeblejCe efJeuesKe meefnle yeQke kes hebpeereke
SJeb DeblejCe Spesv kees Yespee peevee eeefnS.
7.
ke) Yee.efj.yeQke keer DeefOemetevee kes Devegmeej, 1 Deetyej, 2009 mes F&meerSme
kes ceeOece mes Oevehes<eCe kees je^ere Fueske^eefveke meceeMeesOeve mesJee (Sve.F&.
meer.Sme) ves heeflemLeeefhele efkeee nw Deewj yeQke ves Sve.F& meer.Sme huesHeece& hej
metevee NOTICE
keee& kejvee DeejbYe kej efoee nw. Sve.F&.meer.Sme. DeefveJeee& he ceW keesj yeQeEkeie
meceeOeeve (meer.yeer.Sme) keeee&vJeeve kes yeeo yeQkeeW eje Deeyebefle veS SJeb
he=Leke yeQke Keelee mebKee hej keee& kejlee nw. yeQke Yeewefleke he ceW SJeb Fueske^eefveke
he ceW Mesej jKevesJeeues MesejOeejkeeW kees ueeYeebMe Yegieleeve nsleg Sve.F&.meer.Sme. megefJeOee
heoeve kej jne nw. Yeewefleke he ceW Mesej jKevesJeeues MesejOeejke Fme Jeee|<eke efjhees&
kes Deble ceW efoS ieS Sce.F&.meer.Sme Heece& ceW yeQke kes efJeJejCe 23 petve 2012 mes henues
mebyebefOele Keeles mes mebyebefOele j keer ieF& eske keer heefleefueefhe kes meeLe hebpeerkeej SJeb
Mesej DeblejCe SpeW kees veeres efoS ieS heles hej hemlegle kejW. Fueske^e@efveke he ceW Mesej
jKevesJeeues MesejOeejke 22 petve 2012 mes henues mebyebefOele Keeles keer eske keer heefleefueefhe
kes meeLe veF& yeQke Keelee mebKee Gvekes ef[hee@efpejer menYeeieer ([erheer) kees metefele kejW
peneb Gvekee [erces Keelee nw. efpeve MesejOeejkeeW ves Sve.F&.meer.Sme. kes efueS Ge
efJeJejCe Deej.er.S/[er.heer. kees henues ner hemlegle kej efoS nQ, Gvekees efJeJejCe ogyeeje
hemlegle kejves keer pejle veneR nw.
Ke) Ssmes MesejOeejke efpevekes yeQke Keeles iewj - meeryeerSme yeQke MeeKeeDeeW ceW nQ, Jes Sve.F&.
meer.Sme. kes Debleie&le veneR DeeSbies leLee Gvekees ueeYeebMe JeejbeW kes ceeOece mes ueeYeebMe
kee Yegieleeve efkeee peeSiee. Fve MesejOeejkeeW kees Deheveer yeQke Keelee mebKee, yeQke SJeb
MeeKee kee veece metefele kejvee nesiee peneb Jes vekeoerkejCe nsleg ueeYeebMe Jeejb pecee
kejvee eenles nQ. ueeYeebMe Jeejb kes eske Yeeie hej MesejOeejkeeW kes veece kes DeueeJee es
efJeJejCe cegefle jnWies leeefke JeejbeW kes kehehetCe& vekeoerkejCe mes yee mekeW. Gheeg&e
efJeJejCe heLece / Skeue MesejOeejke eje efvecveefueefKele heles hej 23 petve 2012 mes
henues Heesefueees mebKee metefele kejles ngS hebpeerkeej SJeb DeblejCe SpeW kees hemlegle kejvee
eeefnS.
8.
Ssmes MesejOeejkeeW efpevneWves efJeeere Je<e& 1996-97 mes 1999-2000 leLee 2006-07
mes 2010-11 nsleg ueeYeebMe Jeejb kee vekeoerkejCe vener efkeee nw / ueeYeebMe heehle veneR
efkeee nw, Gvemes efveJesove nw efke Jes [ghueerkes ueeYeebMe Jeejb peejer kejves/ hegve JewOe
kejves nsleg yeQke kes jefpem^ej SJeb Mesej DeblejCe Spesv mes mebheke& kejW.
yeQeEkeie kecheveer (GheeceeW kee DeefOeienCe SJeb DeblejCe) DeefOeefveece 1970 keer Oeeje
10yeer kes Devegmeej, eefo Deoe ueeYeebMe Keeles ceW DeblejCe kes meele Je<eeX leke ueeYeebMe
keer jeefMe Deoe jnleer nw ee Gmekes efueS keesF& oeJee veneR efkeee peelee lees Gmes kebheveer
DeefOeefveece 1956 keer Oeeje 205 meer kes lenle Yeejle mejkeej eje mLeeefhele efveJesMeke
efMe#eCe SJeb megj#ee Heb[ (DeeF& F& heer SHe) ceW Debleefjle kej efoee peeSiee, Deewj Gmekes
mebyebOe ceW yeQke ee DeeF& F& heer SHe kes mece#e efkemeer oeJes kees mJeerkeej veneR efkeee
peeSiee.
9.
Branches will not be covered under NECS and will be paid Dividend
by way of Dividend Warrants. These shareholders are required to
furnish their Bank Account number, the name of the Bank and the
Branch where they would like to deposit the Dividend Warrants for
encashment. These particulars will be printed on the cheque portion
of Dividend Warrants, besides the name of the shareholders, so as
to avoid fraudulent encashment of warrants. The above-mentioned
details should be furnished by the first / sole shareholder directly
to the Registrar & Share Transfer Agent, quoting the folio number,
so as to reach their office before 23rd June, 2012 at the address
mentioned below.
8. UNCLAIMED DIVIDEND, IF ANY
The shareholders who have not encashed their Dividend Warrants/
received dividend for the financial years 1996-97 to 1999-2000 and
2006-07 to 2010-11, are requested to contact the Registrar and
Share Transfer Agent of the Bank for revalidation / issue of the
duplicate dividend warrants.
As per the Section 10B of the Banking Companies (Acquisitions
and Transfer of Undertakings) Act, 1970, the amount of dividend
remaining unpaid or unclaimed for a period of seven years from
the date of transfer to the Unpaid Dividend Account is required
to be transferred to the Investor Education and Protection Fund
(IEPF) established by the Central Govt. under Section 205C of the
Companies Act, 1956 and thereafter no claim for payment shall lie
in respect thereof either to the Bank or to the IEPF.
9. CHANGE OF ADDRESS
Shareholders whose holding are in Electronic form are requested
to intimate changes, if any, in their registered address to their
Depository and not to the Registrar & Share Transfer Agents and
Jeeef<e&ke efjHees&
2011 - 2012 | 8
metevee NOTICE
Ssmes Mesej Oeejke, efpevekeer Mesej Oeeefjlee Yeewefleke he ceW nw, Gmemes DevegjesOe nw efke Jes
Gvekes hebpeerke=le heles ceW eefo keesF& heefjJele&ve nes lees Gmekeer metevee efvecveefueefKele heles
hej jefpem^ej leLee yeQke kes Mesej nmleeblejCe SpesCeW kees oW.
10.
10.
kejW
Dehevee F& cesue helee hebpeerke=le kejkes omleeJespe F& cesue kes ceeOece mes heehle
kebheveer ceeceues ceb$eeuee, Yeejle mejkeej ves Deheves heefjhe$e meb. 17/2011 efoveebke 21
Dehewue 2011 leLee 18/2011 efoveebke 29 Dehewue 2011 eje kee@heexjs DeefYeMeemeve
ceW heee&JejCe mebj#eCe kes Gheee efkeS nQ efpemekes eje kebheveer Deheveer meeceeve yewkeeW kes
veesefme, uesKee hejeref#ele efJeeere efJeJejCe, efveosMekeeW keer efjhees&, uesKee hejer#ekeeW keer
efjhees& Deeefo Deheves Mesej OeejkeeW kees Gvekes eje kebheveer kees efoS ieS F& cesue heles hej
Fueske^eefveke ceeOece mes Yespe mekeles nQ. me@ke SkemeWpeeW kes meeLe meteeryelee kejej
ceW neue ner ceW efkeS ieS mebMeesOeve eje kebheveer kees Deheveer Jeee|<eke efjhees& keer meeHe kee@heer
Deheves Gve meYeer MesejOeejkeeW kees Yespeves kes efueS Devegceefle oer ieF& nw efpevekes Fme GsMe
kes efueS kebheveer kes heeme F& cesue heles hebpeerke=le nQ. efpeve MesejOeejkeeW ves DeYeer leke Deheves
F& cesue DeeF&.[er hebpeerke=le veneR kejeS nQ Deewj Gvekes Mesej Yeewefleke he ceW nw , Gvemes
DevegjesOe nw efke Jes Deheves F& cesue DeeF& [er jefpem^ej SJeb DeblejCe SpeW kes heeme hebpeerke=le
kejJeeSb. eefo Gvekes Mesej Fueske^eefveke he ceW nQ lees Jes Deheves ef[heeefpejer menYeeieer
kes heeme Dehevee F& cesue DeeF&[er ope& kejJeeSb leeefke Fmekes yeeo Gvekees omleeJespe
Fueske^eefveke ceeOece mes Yespes pee mekes. Gvekeer megefJeOee kes efueS F& cesue kes efJeJejCe
metefele kejves kes efueS Heecex Jeee|<eke efjhees& kes Yeeie kes he ceW mebueive nw.
RECEIVE
(vethegj efce$ee)
DeOe#e SJeb heyebOe efveosMeke
THROUGH
BY
mLeeve : cegbyeF&
efoveebke : 25.05.2012
DOCUMENTS
Place: Mumbai
Date : 25.05.2012
(Nupur Mitra)
Chairperson & Managing Director
DeOe#e SJeb eyebOe efveosMeke kee JekeleJe CHAIRPERSON & MANAGING DIRECTORS STATEMEMT
efhee MesejOeejkees,
cegPes 31 ceee& 2012 kee legueve he$e leLee 31 ceee& 2012 kees meceehle Je<e& kes efueS ueeYe
SJeb neefve uesKeeW kes meeLe yeQke keer Jeee|<eke efjhees& Deehekees hemlegle kejles ngS hemeVelee nes
jner nw. efheues Je<e& mebefcee keejesyeej kee ` 1.00 kejes[ kee keere|leceeve heej kejves kes
yeeo, cegPes en metefele kejles ngS KegMeer nesleer nw efke Deehekes meneesie leLee ieenkeeW kes
efJeeeme mes yeQke Je<e& kes oewjeve ` 1,34,000 kejes[ kee keejesyeej mebefcee heej kejves
ceW me#ece jne.
he=Yetefce
efJee Je<e& 2011-12 Ske egveeweflehetCe& Je<e& Lee. et.Sme. kes mekeue Iejsuet Glheeo ceW
lespe Je=ef mes efJee keer DeLe&-JeJemLee ceW meblegefuele Je=ef ngF&. leLeeefhe, Fme ieefle kees
efvejblej yeveees jKeves kes mebyebOe ceW eEelee yeveer jner, pees efke cetue he mes etjesefheeve
JeeefCeeqpeke yeQkeeW eje ye[er cee$ee ceW lejuelee heoeve kejves kes yeeo Yeer jepekeere $eCe
mebke kes keejCe Leer, etjes peesve ceW Deefveeqelelee mes eewLeer efleceener ceW mekeue Iejsuet
Glheeo ceW vekeejelceke Je=ef ngF&. lesue keer keerceleeW ceW Je=ef, pees efke cegKele Deehete|le
keer Deefveeqelelee kes keejCe nw, mes Jewefeke cege mHeerefle ye{ves keer eEelee yeveer ngF& nw.
GYejleer ngF& yeepeej DeLe&JeJemLeeSB, pees efke efJee DeLe&JeJemLee keer Je=ef kee keejke
ceeveer peeleer nQ, ye{leer ngF& cegemHeerefle kees efveebef$ele kejves kes efueS mebkegefele ceewefke
eqmLeefleeeW kes keejCe Oeerceer nes ieF& nQ.
Yeejleere DeLe&JeJemLee ves Je<e& 2011 kes oewjeve 8.6% keer Je=ef ope& keer Leer Jen 2012
kes oewjeve meblegefuele nes ieF& Deewj Deye GmeceW 6.9% keer Je=ef nesves keer mebYeeJevee nw, pees
efke Yeejleere efj]peJe& yeQke kes 7% Deekeueve keer oj kes yengle vepeoerke nw. en mebkegefele
ceewefke eqmLeefle leLee yeenjer ceebie kece nesves kes keejCe, cegKele Deeweesefieke #es$e ceW ceboer
kes keejCe ngF&.
Yeejleere efjp] eJe& yeQke keer ceewef ke veerelf e ceW heLece ceener ceW cege mHeerelf e kees efveebe$f ele kejves
hej yeue efoee ieee Deewj efomecyej 2011 ceW efleceener kes ceOe ceW meceer#ee kes oewjeve veerelf e ojeW
ceW keesF& heefjJele&ve veneR efkeee ieee Deewj 2012-2013 kes efueS hecegKe veerelf e Iees<eCeeDeeW ceW
veerelf e ojeW ceW mebMeesOeve kejkes Gmes Ieeee ieee leeefke Je=e
f oj kees ye{eves kes efueS yesnlej
lejuelee heoeve keer pee mekes Deewj meeLe ner hegve GlheVe nesves Jeeues cege mHeerelf e kes oyeeJe mes
GlheVe ceebie kes mece#e megj#ee kes Gheee Deheveees pee mekes.
yeQeEkeie #es$e
Je=ef ceW meblegueve leLee cege mHeerefle keer heJe=efe yeves jnves kes keejCe 2011-2012 kes
oewjeve iewj KeeeeVe kes $eCeeW ceW Je=ef efJee Je<e& 2010-2011 keer leguevee ceW kece jner.
ceee& 2012 kees $eCeeW ceW Je=ef 17% jner peyeefke pecee jeefMeeeW ceW Je=ef 13.40% jner.
Fmemes $eCeeW ceW ngF& Je=ef Deewj peceeDeeW ceW ngF& Je=ef kes yeere ye[e Deblejeue hewoe nes ieee.
en JeeefCeeqpeke yeQkeeW eje efJeeere Je<e& keer DeefOekeebMe DeJeefOe ceW pecee jeefMeeeW hej Ge
yeepe ojW yeveees jKeves kes yeeJepeto ngDee.
yeQke kee efve<heeove
egveewelf ehetCe& JeeleeJejCe kes yeeJepeto Deehekee yeQke keeHeer Dee efve<heeove oMee&ves ceW meHeue
jne Deewj efJeefYeVe ceeveoC[eW ceW meJeeieerCe Je=e
f ope& keer nw. ceQ keg Ssmes #es$eeW kes yeejs ceW
yeleevee eentiB eer efpeveceW 2011-2012 kes oewjeve Deehekes yeQke ves Dee efve<heeove oMee&ee.
Dear Shareholders,
yeQke kee kegue keejesyeej ceee& 2011 kes ` 1,09,372.99 kejes[ mes mlej mes ye{kej
22.81% keer Je=ef ope& kejles ngS ceee& 2012 kees ` 1,34,326 kejes[ keer veF&
GbeeF& hej hengBe ieee.
kegue pecee jeefMeeeb 20.18% keer Je=e
f ope& kejles ngS ceee& 2012 kees ` 77,166.80
kejes[
kes mlej leke hengB e ieeeR peyeefke ceee& 2011 ceW Jen ` 64,209.62 kejes[
Leer.
yeQke kes kegue Deefiece, pees efke ceee& 2011 ceW ` 45,163.37 kejes[ Les, 26.56% keer
Je=ef ope& kejles ngS ceee& 2012 ceW ` 57,159.00 kejes[ leke hengBe ieS.
Jeeef<e&ke efjHees&
2011 - 2012 | 10
DeOe#e SJeb eyebOe efveosMeke kee JekeleJe CHAIRPERSON & MANAGING DIRECTORS STATEMEMT
Keeping in view the policy of risk diversification, the credit
deployment has been strategically focused with emphasis on
MSME, Retail and Agriculture sectors. Retail loans stood at ` 7,283
crore, up by 18.69%, MSME loans stood at ` 8,291 crore showing
an increase of 22.22% while loans to agriculture sector stood at
`6,989 crore, registering a growth of 9.39% as of March 2012.
Having identified MSME as one of the growth engine Bank has
significantly reduced interest rates on such advances to make it
competitive and has entered into tie up with auto manufacturers for
financing of three wheelers.
peesefKece efJeYeepeve keer veerefle kees Oeeve ceW jKeles ngS $eCe efJelejCe eespeveeye {bie mes
efkeee ieee Deewj Sce.Sme.Sce.F&., efjsue leLee ke=ef<e meskejeW kees DeefOeke yeue efoee
ieee. ceee& 2012 kees efjsue $eCe 18.69% keer Je=ef kes meeLe ` 7,283.00 kejes[,
Sce.Sme.Sce.F&. $eCe 22.22% keer Je=ef kes meeLe ` 8,291.00 kejes[ leLee ke=ef<e
#es$e kees efoes iees $eCe 9.39% keer Je=ef kes meeLe ` 6,989.00 kejes[ kes mlej leke
hengBe iees. Sce.Sme.Sce.F&. keer Je=ef kes mebJeenke kes he ceW heneeve efkees peeves kes yeeo
Fmekes Debleie&le DeefieceeW keer yeepe ojeW ceW cenlJehetCe& keceer keer ieF& leeefke GvnW heefleeesieer
yeveeee pee mekes Deewj meeLe ner efleheefnee JeenveeW kes efJeeereve kes efueS Dee@es efvecee&leeDeeW
kes meeLe ieyebOeve efkeee ieee.
yeQke keer kegue Deee ceW ` 1,808.63 kejes[ (32.49%) keer Je=ef ngF&, efpememes
Jen `7,376 kejes[ leke hengBe ieF& peyeefke efheues Je<e& kes oewjeve Dee|pele Deee
`5,567.37 kejes[ Leer.
yeQke keer yeepe Deee 34.98% keer Je=ef kes meeLe eeuet Je<e& kes oewjeve ` 6,794.13
kejes[ leke hengBe ieF&.
peye efke yeQke keer efveJeue yeepe Deee (Sve.DeeF&.DeeF&.) 19.15% keer cenlJehetCe& Je=ef
kes meeLe ` 2,101.00 kejes[ leke hengBe ieF& peye efke efheues Je<e& ceW Jen ` 1,763.37
kejes[ Leer.
cegKe Meguke DeeOeeefjle Deee ` 102.48 kejes[
(27.31%) Je=e
f kes meeLe ceee& 2011
kes ` 375.25 kejes[
kes mlej mes ye{kej ceee& 2012 kees ` 477.73 kejes[
nes ieF&.
cegPes en Iees<eCee kejles ngS KegMeer nesleer nw efke nceeje yeQke efveJeue ueeYe ceW 31.31% keer
Je=ef ope& kejves ceW meHeue jne, pees efke ceee& 2011 kees ` 611.63 kejes[ kes mlej
mes ye{kej ceee& 2012 kees ` 803.14 kejes[ leke hengBe ieee.
cegPes en Iees<eCee kejles ngS KegMeer nesleer nw efke yeQke kes efveosMeke ceb[ue ves efheues Je<e& kes
efueS 22% (` 2.20 heefle Mesej) ueeYeebMe kes mece#e jeefMe ye{ekej, eeuet Je<e& kes efueS
30% (DeLee&le ` 3.00 heefle Mesej) ueeYeebMe keer efmeHeeefjMe keer nw.
Deeeqmle iegCeJeee
Asset Quality:
Total income of the Bank for the year has increased by ` 1,808.63
Crore (32.49%) and stood at ` 7,376 Crore. as compared to an
Income of ` 5,567.37 Crore earned during the previous year.
Interest income of the Bank registered an increase by 34.98% and
reached a level of ` 6,794.13 Crore during the current year.
Whereas, the Banks net interest income (NII) has increased
substantially by 19.15% and stood at ` 2,101 Crore as compared to
`1,763.37 Crore posted during the previous year.
yeQke ves Je<e& 2011-12 kes oewjeve yeQeEkeie Geesie ceW meeceevele DeeeqmleeeW keer iegCeJeee
Ieves kes yeeJepeto, DeeeqmleeeW keer iegCeJeee yeveees jKeves leLee Sve.heer.S. heyebOeve kes
efueS Deheves heeeme peejer jKes. neue ner ceW Sve.heer.S. ceW ieS KeeleeW kes GVeeve, mecePeewlee
efveheeve kes eje Jemetueer, mejHesmeer DeefOeefveece kes DeOeerve keej&JeeF& Deeefo kes efueS
heYeeJeer heeeme efkeS peeves mes yeQke Sve.heer.S. kees vetvelece mebYeJe mlej leke yeveeS jKe
mekee. Fve heeemeeW mes Je<e& kes oewjeve yesnlej vekeo Jemetueer ngF&.
The Bank has continued its efforts in maintaining asset quality and
NPA management during the year 2011-12 also, irrespective of the
deteriorating asset quality experienced by the banking industry in
general. The concerted efforts made for upgradation of recently
slipped NPAs, recovery through compromise settlements, action
under SARFAESI Act etc has enabled Bank to maintain NPA at
a minimum possible level. The efforts have also contributed in
achieving improved cash recovery during the year.
mekeue Sve.heer.S. ceW meceie he ceW ` 114.26 kejes[ keer Je=ef ngF&, pees efke 31 ceee&
2011 kees ` 842.24 kejes[ mes ye{kej 31 ceee& 2012 kees ` 956.50 kejes[ leke
hengBe ieee. yeQke kee mekeue Sve.heer.S. Devegheele 31.03.2011 kes 1.86% mes Iekej
31.03.2012 kees ` 1.67 kejes[ nes ieee.
yeQke kee efveJeue Sve.heer.S. Devegheele 31.03.2011 kees 1.22% Lee Deewj Jen
31.03.2012 kees 1.01% nes ieee. yeQke kes efveJeue Sve.heer.S. ceW meceie he ceW
`22.78 kejes[ keer Je=ef ngF& Deewj Jen 31.03.2011 kes ` 548.95 kejes[ kes mlej
mes ye{kej 31.03.2012 kees ` 571.73 kejes[ leke hengBe ieee.
heeJeOeeve keJejspe Devegheele (efJeJeskehetCe& yes Keeles meefnle) 75.53% jne DeLee&le en
keer efveeeceke DeeJeMekelee mes keeHeer DeefOeke nw.
Je<e& 2011-12 kes oewjeve Sve.heer.S. KeeleeW ceW vekeo Jemetueer ` 222.56 kejes[ ngF&
Deewj KeeleeW kee GVeeve ` 191.47 kejes[ efkeee ieee. yeQke ves Je<e& kes oewjeve yes Keeles
efueKes ieS KeeleeW ceW ` 81.93 kejes[ keer Jemetueer keer efpemeceW yes Keeles efueKes iees KeeleeW
ceW yeepe keer jkece ` 12.17 kejes[ Yeer Meeefceue nw.
Je<e& kes oewjeve yeQke ves efJeefYeVe #es$eeW ceW 1461 Jemetueer efMeefJejeW kee Deeeespeve efkeee
efpeveceW 16940 GOeejkelee&DeeW ves Yeeie efueee. Je<e& kes oewjeve Fve Jemetueer efMeefJejeW kes
70%
The cash recovery in NPA Accounts during the year 2011-12 was
`222.56 Crore and up gradation in the accounts was `191.47
Crore. The Bank recorded recovery in written off accounts during
the year of `81.93 Crore including recovery of interest in written off
accounts of ` 12.17 Crore.
during the year, which were attended by 16940 borrowers. A total
DeOe#e SJeb eyebOe efveosMeke kee JekeleJe CHAIRPERSON & MANAGING DIRECTORS STATEMEMT
ceeOece mes ` 32.46 kejes[ kes kegue 2785 KeeleeW kee efveheeve efkeee ieee Deewj
`21.33 kejes[ kes 864 KeeleeW kee GVeeve efkeee ieee.
of 2785 accounts were settled for ` 32.46 Crore and 864 accounts
were upgraded for ` 21.33 Crore during the year through such
recovery camps.
31.03.2012 kees yeQke keer efveJeue mebheefe ye{kej ` 4256.14 kejes[ nes ieF&
peyeefke 31.03.2011 kees Jen ` 3,366.43 kejes[ Leer, FmeceW ` 889.71 kejes[
(26.43%) keer Je=ef ngF&.
During the year, the Bank allotted 1.67 Crore Equity Shares of face
value of ` 10/- at a price of ` 90.73 (including premium of ` 80.73)
aggregating ` 151 crore, to the Life Insurance Corporation of India
on preferential basis. With the above allotment, Government of
India's holding in the Bank stands reduced to 55.24% from 58.01%.
The Capital to Risk (Weighted) Asset Ratio (CRAR) stood at 11.51%
as of March 2012, compared to 13.41% as of March 2011, against
the requirement of 9%. However, the Core CRAR of the Bank under
Basel II is 8.86 % as on 31st March, 2012 which indicates healthy
level of Core Capital.
ieenkeeW keer megefJeOee kes efueS 31 ceee&, 2012 kees yeQke kes kegue 543 S.er.Sce. Les
efpemeceW 430 Dee@vemeeF S.er.Sce. Deewj 113 Dee@He meeF S.er.Sce. Les. 2 S.er.
Sce. Debiets kes efveMeeve mes heefjeeefuele efkeS pee mekeles nQ pees efke (efJeeere meceeJesMeve kes
Debleie&le) ess ieenkeeW leLee kece he{s efueKes ueesieeW kes efueS megefJeOee peveke nQ.
yeQke ves keejesyeej kes ye{les mlej leLee veF& MeeKeeSb Keesueves leLee kece&eeefjeeW keer
DeeJeMekelee hetjer kejves kes efueS Je<e& kes oewjeve efJeefYeVe JesleveceeveeW Deewj esefCeeeW ceW 408
DeefOekeeefjeeW (heefjJeer#eeOeerve DeefOekeeefjeeW meefnle) leLee 404 efueefhekeeW keer Yeleea keer.
yeQeEkeie heeweesefiekeer ceW GVeeve keer ieefle yeveeS jKeves kes efueS yeQke ves meYeer MeeKeeDeeW
kes ieenkeeW kes efueS osvee DeeF& keveske'' leLee osvee Sce keveske - Fbjves leLee
As of March 2012, all the 1342 branches of the bank and the entire
business have been brought under CBS.
Jeeef<e&ke efjHees&
2011 - 2012 | 12
DeOe#e SJeb eyebOe efveosMeke kee JekeleJe CHAIRPERSON & MANAGING DIRECTORS STATEMEMT
ceesyeeFue yeQeEkeie mesJeeSb DeejbYe keer. osvee DeeF& keveske kes ceeOece mes ieenke Fbjves
kes ceeOece mes Deheves KeeleeW keer metevee heehle kej mekeles nQ efpemekes efueS DeveLee
Gvekees MeeKee ceW peevee he[lee. yeQke kes ieenke hele#e kejeW Deewj Dehele#e kejeW kee
Yegieleeve MeeKee ceW ieS efyevee Fbjves kes ceeOece mes kej mekeles nQ. osvee Sce keveske
kes eje ieenke efJeefYeVe megefJeOeeSb heehle kej mekeles nQ efpemeceW Gvekes ceesyeeFue nQ[mes
kes eje efveefOeeeW kee DeblejCe Yeer Meeefceue nw.
yeQke ves Sme.Sce.Sme. esleeJeveer megefJeOee Yeer DeejbYe keer nw efpemekes ceeOece mes ieenke
efkemeer Yeer efJeeere uesve-osve ee meghego&ieer ewveue kes ceeOece mes ngS uesve-osve kes yeejs ceW
metevee heehle kejles nQ. ieenke DeeJeefOeke peceeDeeW kes veJeerkejCe keer leejerKe leLee $eCe
efkemleeW kes ose nesves keer leejerKe kes yeejs ceW Yeer metevee heehle kej mekeles nQ.
efJeeere meceeJesMeve eespevee
Je<e& 2011-2012 kes oewjeve, yeQke ves DeieCeer yeQke eespevee kes Debleie&le efJeefYeVe jepe
mlejere yeQkeme& meefceefleeeW eje Gmes DeeJebefle 728 ieebJeeW ceW efJeeere meceeJesMeve eespevee
(SHe.DeeF&.heer.) keeee&eqvJele keer nw.
Je<e& 2011-2012 kes oewjeve yeQke ves 41 ieebJeeW ceW Yeewefleke MeeKeeSb Keesuekej leLee 34
ieebJeeW ceW yengle ner eser MeeKeeSb Keesuekej efJeeere meceeJesMeve kee keee& efkeee nw. Mes<e
653 ieebJeeW ceW Jeefeiele keejesyeej heefleefveefOeeeW kes ceeOece mes efJeeere meceeJesMeve kes
keee& efkeS nQ.
efJeeere meceeJesMeve eespevee ceW yeQeEkeie MeeKee GheueyOe kejeves kes DeueeJee, meeos Keeles,
Deblee|veefnle DeesJej[^eHe megefJeOee kes meeLe meeos Keeles, Geceer $eCe, hes<eCe megefJeOeeSb,
met#ce yeercee Glheeo Deewj osvee efkemeeve esef[ kee[& leLee osvee meeceeve esef[ kee[&
peejer kejvee Yeer Meeefceue nw
YeeJeer eespeveeSb:
Yeejleere efj]peJe& yeQke keer ceewefke veerefle ceW veerefle ojeW kees eeuet Je=ef oj meblegefuele
kejves, ceebie DeeOeeefjle GYejleer ngF& cege mHeerefle kes efKeueeHe megj#ee kes Gheee kejves
The Bank has started SMS Alert facility through which customers
get alerts on occurrence of any financial transactions or through
delivery channels. Customers also receive alerts for due dates of
Term Deposits as well as Loan installments due date.
Financial Inclusion Plan:
During the year 2011-12, the Bank has implemented Financial
Inclusion Plan ( FIP ) in 728 villages allocated to it by various SLBCs
under Lead Bank Scheme.
During 2011-2012 Bank has covered 41 villages by opening Brick
and Motor Branches and has covered 34 villages by setting up
Ultra Small Branches. The remaining 653 villages are covered by
engaging individual Business Correspondents.
The Financial Inclusion plan apart from providing banking outlets,
also includes extension of facilities like No Frills Accounts, Inbuilt
Overdraft facility in the No Frills Accounts, Entrepreneurship Credit,
Remittance facilities, Micro-Insurance products and issuance of
Dena Kisan Credit Cards and Dena General Credit Cards.
Your Bank believes in Corporate Social Responsibility by creating
sustainable livelihoods and contribute to rural transformation
and education. In these efforts your Bank has taken initiatives to
address to some of the pressing developmental challenges. Bank
has set up some of the social projects like setting up of RSETI and
supplementary girl child education .
The Bank has set up a Society known as Dena Rural Development
Foundation (DRDF) with a corpus of ` 150.00 lacs to take up various
initiatives in Rural Development. DRDF in turn has established
12 Rural Self Employment Training Institutes (RSETIs) in its lead
districts, 6 RSETIs in the State of Gujarat and 5 RSETIs in the state
of Chhattisgarh and 1 in Silvassa in the U T. of Dadra & Nagar
Haveli where your Bank is shouldering the responsibility of Lead
Bank.
Sponsoring Education of Girl Child:
As a part of Corporate Social Responsibility, the Bank has continued
with the Nobel scheme viz. Dena Laxmi Shiksha Protsahan Yojana,
to sponsor education of Girl students in the villages served by the
Bank. Under the scheme the Bank has been providing scholarships
of ` 2000/- and ` 1500/- per annum to identified girl student
belonging to Below Poverty Line (BPL) family. Such students are
selected from each of the schools based on first and second rank
secured in 7th Standard from the villages under the command area
of the Bank. The Bank has so far provided scholarships to 2213 girl
students under the scheme.
With the policy stance of Reserve Bank of India intending to
adjust policy rates to levels in consistent with the current growth
moderation, ensuring safe guards against demand led inflation re-
DeOe#e SJeb eyebOe efveosMeke kee JekeleJe CHAIRPERSON & MANAGING DIRECTORS STATEMEMT
leLee efJeeere heCeeueer kees heee&hle lejuelee heoeve kejves kes Devegmeej meceeeesefpele efkeee
ieee. Je=ef heefeee eqmLej nesves keer mebYeeJevee nw Deewj Fme hekeej 2012-2013 kes efueS
mekeue Iejsuet Glheeo ceW Je=ef 7.3% jnves keer mebYeeJevee nw. Deee|Leke Je=ef yeveees jKeves
keer Dehes#eeSb Je<e& kes oewjeve lejuelee kece nesves leLee cege mHeerefle eqmLej nesves kes keejCe
efveJesMe ceW Je=ef keer mebYeeJevee hej DeeOeeefjle nw.
Je=ef yeveees jKeves leLee cege mHeerefle kes oyeeJe kees efveebef$ele kejves kes efueS Yeejleere
efj]peJe& yeQke kes ceewefke veerefle JeeJe ceW meblegueve mes GlheVe Deemeeve lejuelee eqmLeefleeeW
kees Oeeve ceW jKeles ngS, yeQke kees $eCe meghego&ieer leLee efveiejeveer heCeeueer ceW efJeJeskehetCe&
Deewj meblegefuele eqkeesCe Deheveevee nesiee. lejuelee peesefKece heyebOeve leLee yesmeue III
{ebes kes keeee&vJeeve kes efueS efJeefveeeceke GheeeeW kee yeQke kes efve<heeove hej heYeeJe
he[siee.
yeQke veS #es$eeW ceW MeeKeeSb Keesuekej Deheveer GheeqmLeefle kee efJemleej kejves hej Oeeve
keWefle jKesiee leLee cenJehetCe& #es$e pewmes Sce.Sme.Sce.F&., efjsue leLee ke=ef<e hej Oeeve
osiee. lejuelee kee oyeeJe kece nesves mes yeQke keemee pecee jeefMeeeW kees ye{eves hej Oeeve
kesefle kejkes pecee jeefMeeeW keer ueeiele kees kece kej mekelee nw. yeQke iewj yeepe / Meguke
DeeOeeefjle Deee kees ye{eves kes efueS heeeme lespe kejsiee.
yeQke ves peve Meefe, heefeee Deewj heeweesefiekeer kees Meeefceue kejles ngS keejesyeej heefeee
hegvee|Jeveeme heefkeee kes keeee&vJeeve ceW keee&eespevee kee megPeeJe osves SJeb meneelee kes
efueS DeeF&.[er.yeer.DeeF&. Fvske (DeeF&.[er.yeer.DeeF&. kes mJeeefcelJe ceW Ske heer.Sme.et.)
kees efveege efkeee nw.
efJeeere meceeJesMeve kes yeejs ceW Yeejle mejkeej eje DeejbYe keer ieF& heefeee kes Devegmeej
yeQke iegpejele Deewj ceneje^ ceW keg egves Menjer #es$eeW ceW Deve he#e kes mesJee heoeleeDeeW
kes ceeOece mes heJeemeer keeceieejeW / cepeotjeW kees yeQeEkeie mesJeeSb heoeve kejkes Deheveer Menjer
efJeeere meceeJesMeve heefeee hej keee& kejsiee.
DeeYeej
ceQ yeQke kes mecceeefvele ieenkeeW, MesejOeejkeeW leLee MegYeeEelekeeW kees yeQke keer heieefle ceW
Gvekes cenlJehetCe& eesieoeve kes efueS Dehevee OeveJeeo Jee kejleer ntb leLee YeefJe<e ceW Yeer
Gvekes melele meceLe&ve SJeb meneesie keer Dehes#ee kejleer ntB.
ceQ Yeejle mejkeej leLee Yeejleere efj]peJe& yeQke mes heehle meceeesefele meueen, cenlJehetCe&
ceeie&oMe&ve SJeb meceLe&ve kes efueS Yeer DeeYeej Jee kejleer ntB.
yeQke kes efveosMeke ceb[ue mes heehle cenJehetCe& ceeie&oMe&ve, meceLe&ve Deewj meneesie kes efueS
Yeer Dehevee DeeYeej Jee kejleer ntB.
ceQ efJeeere mebmLeeveeW / yeQkeeW Deewj heefleefveefOeeeW kes heefle Yeer yeQke kees Gvekes eje efoS ieS
meneesie Deewj meceLe&ve kes efueS OeveJeeo Jee kejleer ntB.
meHe meomeeW kes meYeer mlejeW hej efoS ieS cenlJehetCe& eesieoeve kes heefle Yeer ceQ DeeYeej
Jee kejleer ntB, efpevekes meneesie kes efyevee yeQke eje keer ieF& heieefle mebYeJe veneR nesleer.
ceQ yeQke kes lJeefjle keejesyeej efJekeeme leLee heieefle ceW Deehemes efvejblej meneesie keer DeeMee
jKeleer ntB.
I also acknowledge the valuable guidance, support and cooperation received from the Directors on the Board of the Bank.
vethegj efce$ee
DeOe#e SJeb heyebOe efveosMeke
Nupur Mitra
Jeeef<e&ke efjHees&
2011 - 2012 | 14
Je<e& 2011-12 kes efueS efveosMekeeW keer efjHees& DIRECTORS REPORT 2011-2012
To
meYeer meomeieCe,
ceee&, 2012 kees meceehle efJeeere Je<e& kes uesKeeW kes uesKee -hejeref#ele efJeeere
efJeJejCe leLee vekeoer heJeen efJeJejCe kes meeLe yeQke keer Jeee|<eke efjhees& hemlegle kejles ngS
efveosMeke ceb[ue kees Deleble hemeVelee nes jner nw.
The Members
1. The Board of Directors have pleasure in presenting the Annual
Report along with the Audited Financial Statement of Accounts and
the Cash Flow statement of the Bank for the year ended March 31,
2012.
2.
2. Performance Highlights
1. 31
2.1 31 ceee&, 2012 kees meceehle efJee Je<e& kes oewjeve yeQke kee kegue efceefele keejesyeej
(peceeSb + Deefiece) ` 1,34,326 kejes[ kee ue#emlebYe heej kej ieee nw. yeQke kes
kegue efceefele keejesyeej ceW ` 24,953.01 kejes[ keer Je=eqOo ngF& efpememes Jen 31 ceee&,
2011 kes ` 1,09,372.99 kejes[ kes mlej ceW 22.81% Je=ef kes meeLe Je<e& 20112012 kes Deble ceW ye{kej ` 1,34,326.00 kejes[ kes mlej leke hengbe ieee,
2.2 yeQke keer kegue peceejeefMeeeW ceW ` 12,957.18 kejes[ keer Je=eqOo ngF& pees efke 31
ceee&, 2011 kes ` 64,209.62 kejes[ keer jeefMe mes ye{kej 31 ceee&, 2012 kees
`77166.80 kejes[ leke hengbe ieF& peesefke 20.18% Je=ef oMee&leer nw.
2.3 yeQke kes DeefieceeW ceW ` 11996.43 kejes[ keer Je=eqOo ngF&, efpememes yeQke kes kegue
Deefiece 31 ceee&, 2011 kees ` 45,163.37 kejes[ mes ye{kej 31 ceee&, 2012 kees
`57,159.20 kejes[ leke hengbe iees, pees efke 26.56% keer Je=eqOo oMee&les nQ.
2.4 met#ce, ueIeg SJeb ceOece Gece (Sce.Sme.Sce.F& ) meeKe ceW ` 1,507.41 kejes[
keer Je=ef ngF& peesefke efoveebke 31 ceee&, 2011 keer ` 6783.72 kejes[ mes ye{kej
31 ceee&, 2012 kees ` 8291.13 kejes[ leke hengbe ieF& peesefke 22.22% Je=ef
oMee&leer nw.
2.5 efjsue meeKe ceW ` 1,146.91 kejes[ keer Je=ef ngF& peesefke efoveebke 31 ceee&
2011 keer ` 6,135.59 kejes[ mes ye{kej 31 ceee&, 2012 kees ` 7,282.50 kejes[
leke hengbe ieF& peesefke 18.69% Je=ef oMee&leer nw.
2.6 yeQke kes Sve.heer.S KeeleeW ceW Jemetueer heeemeeW kes Des heefjCeece efvekeues nQ. Je<e&
2011-12 kes oewjeve vekeo Jemetueer ` 222.56 kejes[ Leer Deewj KeeleeW ceW GVeeve
`191.47 kejes[ Lee. Je<e& kes oewjeve yes Keeles [eues ieS KeeleeW keer Jemetueer . 81.93
kejes[ Leer efpemeceW yes Keeles [eues ieS KeeleeW keer yeepe jkece ` 12.17 kejes[ Yeer
Meeefceue nw.
Particulars
peceeSb Deposits
Deefiece Advances
efveJesMe Investments
heeLeefcekelee #es$e Priority Sector
ke=ef<e Agriculture
efjsue Retail
Sce.Sme.Sce.F&. MSME
kegue Sve heer S Gross NPA
efveJeue Sve heer S Net NPA
kegue DeefieceeW ceW kegue Sve heer S kee %
45,163.37
57,159.20
18,860.22
23,207.80
15,150.00
17,153.00
6,389.38
6,989.00
6,135.59
7,282.50
6,783.72
8,291.13
As of March, 2011
64,209.62
As of March, 2012
77,166.80
842.24
956.50
548.95
571.73
1.86
1.67
1.22
1.01
13.41
11.51
3. Income Analysis
3.2 Je<e& kes efueS efveJeue ueeYe ` 803.14 kejes[ leke hengbe ieee, peesefke efheues
Je<e& kes efveJeue ueeYe ` 611.63 kejes[ ceW ` 191.51 kejes[ (31.31%) keer Je=eqOo
oMee&lee nw.
Je<e& 2011-2012 kes efueS yeQke kes efJeeere efve<heeove kee meejebMe efvecve hekeej
nw
3.2 The Net Profit increased to ` 803.14 Crore for the year from
`611.63 Crore in the previous year recording an increase of
`191.51 Crore (31.31%).
3.
efJeJejCe
Particulars
1,223.79
1,528.43
5,033.53
6,794.13
3,270.16
4,693.13
1,763.37
2,101.00
533.84
582.17
612.16
725.29
898.59
966.17
286.96
163.03
611.63
803.14
efJeeere meteke
(% ceW) (in %)
3.17
3.17
1.00
1.08
46.73
43.04
13.41
11.51
74.62
75.53
5.76
7.06
5.87
7.11
10.24
11.77
8.62
9.78
26.71
20.72
21.26
24.08
123.85
126.91
efJeJejCe
Particulars
As of March, 2011
As of March, 2012
Jeeef<e&ke efjHees&
2011 - 2012 | 16
kes oewjeve yeQke ves 51veF& MeeKeeSb Keesueer Deewj yeQke keer kegue
MeeKeeDeeW keer mebKee 1342 leke ye{ ieeer nQ . yeQke keer meYeer MeeKeeSb meer yeer Sme kes
Debleie&le keee&jle nQ.
6. yeQke kes kegue S er Sce keer mebKee ye{kej 543 nes ieF&, efpeveceW 113 Dee@HemeeF&
S er Sce Yeer Meeefceue nQ .yeQke kes ieenke Mese[& vesJeke& ceW 90,000 S er Scees , Yeejle
ceW 4.70 ueeKe mes DeefOeke Jeeheej mebmLeeDeeW (Sce.F&) leLee efJeosMe ceW 1 efceefueeve mes
DeefOeke S.er.SceeW Deewj 26 efceefueeve Sce.F&. kee Gheeesie kej mekeles nQ.
7. ueeYeebMe
efveosMeke ceb[ue kees Je<e& 2011-12 kes efueS ` 3.00 heefle Mesej DeLee&le ` 10 kes
Debefkele cetue kes eefle Mesej Hej 30% ueeYeebMe keer efmeHeeefjMe kejles ngS hemeVelee nes
jner nw. ueeYeebMe kej kee Yegieleeve yeQke eje efkeee peeesiee. ueeYeebMe kes keejCe kegue
Yegieleeve keer peeves Jeeueer jeefMe, (ueeYeebMe kej meefnle) ` 122.05 kejes[ nesieer.
8. efveJeue mebheefe SJeb meer Deej S Deej
8.1 yeQke keer efveJeue mebheefe 31.3.2011 kes ` 3,366.43 kejes[ kes mlej mes
ye{kej efoveebke 31.3.2012 kees ` 4,256.14 kejes[ kes mlej leke hengbe ieF&, pees
efke ` 889.71 kejes[ (26.43%) keer Je=eqOo oMee&leer nw.
8.2 ceee& 2012 kees hetbpeer kee peesefKece (Yeeefjle) Deeeqmle Devegheele (meer Deej S Deej)
11.51% nw, peyeefke ceee& 2011 ceW en 13.41% Lee.
5. During the year 2011-12, the Bank opened 51 new Branches and
Branch network of the Bank increased to 1342. All the branches of
the Bank are covered under CBS.
8.3 Je<e&
kes oewjeve, yeQke ves DeefOeceeveer DeeOeej hej Yeejleere peerJeve yeercee efveiece kees `
90.73 (` 80.73 kes heerefceece meefnle) kes cetue hej ` 10/- Debefkele cetue kes kegue
` 151.24 kejes[ kes 1.66 kejes[ F&eqkeJeer MesejeW kee Deeyebve efkeee nw. Ghejese
Deeyebve kes keejCe yeQke ceW Yeejle mejkeej keer Oeeefjlee 58.01% mes Iekej 55.24%
jn ieF& nw.
8.3 During the year, the Bank allotted 1.66 Crore Equity Shares
of face value of `10/- at a price of ` 90.73 (including premium of
`80.73) aggregating ` 151.24 Crore to Life Insurance Corporation
of India on preferential basis. With the above allotment, Government
of India holding in the Bank stands reduced to 55.24 % from
58.01%.
8.4 yesmeue II kes Debleie&le yeQke keer erej I hetbpeer heee&hlelee Devegheele
ceW 9.77% keer leguevee ceW 8.86% ngF& nw. efvecveefueefKele leeefuekee ceW
yesmeue-II kes Devegmeej meerDeejSDeej kes efJeJejCe efoS ieS nQ.
8.4 The Tier I capital adequacy ratio of the Bank under Basel II is
8.86% as against 9.77% as of March, 2011. The table below gives
detail CRAR as per Basel-I and Basel-II.
5. Je<e& 2011-12
ceee& 2011
yesmeue-I SJeb
(% ceW)
yesmeue Basel I
ceee& March 2011
ceee& March 2012
meer.Deej.S.Deej. erej-I hetbpeer CRAR Tier- I Capital
meer.Deej.S.Deej. erej-II hetbpeer CRAR Tier-II Capital
kegue Total
8.
8.04
7.75
3.00
11.04
(in %)
yesmeue Basel II
ceee& March 2011
ceee& March 2012
9.77
8.86
2.32
3.64
2.65
10.07
13.41
11.51
Je<e& 2011-12 kes efueS efveosMekeeW keer efjHees& DIRECTORS REPORT 2011-2012
kes he ceW Gvekes keee&keeue kes oewjeve efoes iees Gece vesle=lJe kes efueS Gvekeer mejenvee
kejlee nw.
9.3 Yeejle
9.4 Yeejle
9.5 eer
9.6
Yeejle mejkeej, efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie mes heehle DeefOemetevee
meb.SHe.veb.6/3/2011-yeer.Dees.DeeF&. efoveebke 30 ceF&, 2011 kes Devegmeej,
eer Sve.Sme.efJeeveeLeve kees eer yeer.heer.efJepeeW kes mLeeve hej je^ereke=le yeQke
(heyebOeve Deewj efJeefJeOe heeJeOeeve) eespevee 1970/1980 kes Keb[ 3 keer GheOeeje(1)
kes meeLe heefle yeQeEkeie kebheveer (GheeceeW kee DeefOeienCe SJeb DeblejCe) DeefOeefveece
1970/1980 keer Oeeje 9 keer Ghe Oeeje (3), Keb[ (meer) kes DeOeerve yeQke kes efveosMeke
ceb[ue ceW Yeejleere efjpeJe& yeQke veeefceleer efveosMeke kes he ceW veeefcele efkeee ieee nw.
9.7 Yeejle
9.8 Yeejle mejkeej, efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie mes heehle DeefOemetevee
meb.SHe.veb.6/53/2010-yeer.Dees.DeeF&. efoveebke 2 Deiemle, 2011 kes Devegmeej,
eer efJepee kehetj kees je^ereke=le yeQke (heyebOeve Deewj efJeefJeOe heeJeOeeve) eespevee
1970/1980 kes Keb[ 3 keer GheOeeje(1) kes meeLe heefle yeQeEkeie kebheveer (GheeceeW
kee DeefOeienCe SJeb DeblejCe) DeefOeefveece 1970/1980 keer Oeeje 9 keer Ghe Oeeje
(3), Keb[ (Se) Deewj (3-S) kes DeOeerve yeQke kes efveosMeke ceb[ue ceW DebMekeeefueke iewj
Jeeef<e&ke efjHees&
2011 - 2012 | 18
Je<e& 2011-12 kes efueS efveosMekeeW keer efjHees& DIRECTORS REPORT 2011-2012
keeee&ueeerve efveosMeke kes he ceW leerve Je<e& keer DeJeefOe kes efueS ee Deieues DeeosMe leke,
pees Yeer henues nes, veeefcele efkeee ieee nw.
9.9 Yeejle
9.10 Yeejle mejkeej, efJee ceb$eeuee, efJeeere mesJeeSb efJeYeeie mes heehle DeefOemetevee
meb.SHe.veb.9/30/2009-yeer.Dees.DeeF&. efoveebke 23 veJebyej, 2011 kes Devegmeej,
eer mele hekeeMe Mecee& kees je^ereke=le yeQke (heyebOeve Deewj efJeefJeOe heeJeOeeve) eespevee
1970/1980 kes Keb[ 9 keer GheOeeje(1) & (2) kes meeLe heefle yeQeEkeie kebheveer
(GheeceeW kees DeefOeienCe SJeb DeblejCe) DeefOeefveece 1970/1980 keer Oeeje 9 keer Ghe
Oeeje (3), Keb[ (F&) kes DeOeerve yeQke kes efveosMeke ceb[ue ceW keeceieej kece&eejer efveosMeke
kes he ceW efoveebke 30 petve, 2014 leke DeLee&led Gvekeer mesJeeefveJe=efe keer leejerKe leke
ee yeQke kes keeceieej kece&eejer yeves jnves leke ee Deieues DeeosMe leke, pees Yeer henues nes,
efveege efkeee ieee nw.
9.11
[e lejmesce ebo, Yeejle mejkeej veeefceleer efveosMeke, pees efke yeQeEkeie kebheveer
(GheeceeW kee DeefOeienCe SJeb DeblejCe)DeefOeefveece, 1970 keer Oeeje 9 keer GheOeeje (3)
kes Keb[ (yeer) kes DeOeerve 10 petve, 2008 mes efveege efkeS ieS Les, Gvekee keee&keeue
hetCe& nesves hej 1 efomebyej, 2011 mes yeQke kes efveosMeke veneR jns. efveosMeke ceb[ue [e
lejmesce ebo eje yeQke kes efveosMeke ceb[ue ceW efveosMeke kes he ceW Gvekes keee&keeue kes
oewjeve efoS ieS cenlJehetCe& eesieoeve kes efueS Gvekeer mejenvee kejlee nw.
9.12 Yeejle
9.13 [e megefveue ieghlee, MesejOeejke efveosMeke, peesefke yeQeEkeie kebheveer (GheeceeW kee
9.14
DeefOeienCe Deewj DeblejCe) DeefOeefveece, 1970 keer Oeeje 9 keer Ghe Oeeje (3) kes Keb[
(i) kes DeOeerve egves ieS Les, Gvekee keee&keeue hetCe& nesves hej efoveebke 16 ceee&, 2012
mes yeQke kes efveosMeke veneR jns. efveosMeke ceb[ue [e megefveue ieghlee eje yeQke kes efveosMeke
ceb[ue ceW efveosMeke kes he ceW Gvekes keee&keeue kes oewjeve efoes iees cenlJehetCe& eesieoeve
kes efueS Gvekeer mejenvee kejlee nw.
eer jesefnle KeVee, Mesej Oeejke efveosMeke, peesefke yeQeEkeie kebheveer (GheeceeW kee
DeefOeienCe Deewj DeblejCe) DeefOeefveece, 1970 keer Oeeje 9 keer Ghe Oeeje (3) kes Keb[
(i) kes DeOeerve egves ieS Les, Gvekee keee&keeue hetCe& nesves hej efoveebke 16 ceee& 2012
mes yeQke kes efveosMeke veneR jns. efveosMeke ceb[ue eer jesefnle KeVee eje yeQke kes efveosMeke
ceb[ue ceW efveosMeke kes he ceW Gvekes keee&keeue kes oewjeve efoes iees cenlJehetCe& eesieoeve
kes efueS Gvekeer mejenvee kejlee nw.
Je<e& 2011-12 kes efueS efveosMekeeW keer efjHees& DIRECTORS REPORT 2011-2012
9.15
meceer#eeOeerve efJee Je<e& kes oewjeve, yeQeEkeie kebheveer (GheeceeW kee DeefOeienCe SJeb
DeblejCe) DeefOeefveece, 1970 keer Oeeje 9 keer Ghe Oeeje (3) kes Keb[ (i) kes Devegmeej,
yeQke ves efoveebke 09 ceee&, 2012 kees mej meesjeyepeer heeseKeeveeJeeuee yeQkeme& ^seEveie kee@
uespe, cegbyeF& ceW kes mejkeej kes DeueeJee leerve MesejOeejke efveosMekeeW kes egveeJe kes efueS
yeQke kes MesejOeejkeeW keer DemeeOeejCe meeceeve yewke kee Deeeespeve efkeee. egveeJe
heefeee mebheVe nesves kes yeeo, [e heerlece eEmen hegve egves ieS Deewj oes MesejOeejke
efveosMeke DeLee&led (i) eer jesefnle Sce osmeeF&, (i i) eer cegkesMe ceesnve kes mejkeej
kes DeueeJee MesejOeejkeeW kee heefleefveefOelJe kejvesJeeues MesejOeejke efveosMeke kes he ceW
egves ieS. es efveosMeke efoveebke 17 ceee&, 2012 mes leerve Je<e& kes efueS yeQke kes efveosMeke
jnWies.
10. efveosMekeeW kes GejoeefeJe kee efJeJejCe
efveosMeke 31 ceee&, 2012 kees meceehle Je<e& kes efueS Jeee|<eke uesKee leweej kejves ceW
efvecveefueefKele keer hegeq kejles nQ :
I. Jeee|<eke uesKee leweej kejves ceW cenJehetCe& efJeeueveeW kes mebyebOe ceW mecegefele
mheerkejCe kes meeLe ueeiet ceevekeeW kee heeueve efkeee ieee nw.
II. GvneWves Ssmeer uesKee veerefleeeW kee eeve efkeee SJeb Gvekees efvejblej ueeiet efkeee leLee
Ssmes efveCe&e SJeb Devegceeve ueieees pees mecegefele SJeb efJeJeskehetCe& nQ leeefke efJeeere Je<e&
kes Devle leke yeQke keer mele Deewj mener eqmLeefle hemlegle kej mekes SJeb DeJeefOe kes
efueS yeQke keer ueeYe ee neefve keer eqmLeefle os mekes.
III. GvneWves OeesKeeOeef[eeW SJeb Deve DeefveeefceleleeDeeW kees jeskeves SJeb helee ueieeves nsleg
Yeejle ceW yeQkeeW hej ueeiet efJeefOe kes heeJeOeeveeW kes Devegmeej heee&hle uesKee efjkee[eX kes
jKe-jKeeJe kes efueS mecegefele SJeb heee&hle osKejsKe keer nw.
IV. GvneWves Jeee|<eke uesKee, efvejblej keejesyeej Jeeues mebmLeeve kes DeeOeej hej leweej
efkeee Lee.
11. DeeYeej
11.1 efveosMeke ceb[ue yeQke kes Deheves mecceeefvele ieenkeeW, MesejOeejkeeW leLee MegYeeEelekeeW
kees yeQke keer heieefle ceW Gvekes cenJehetCe& eesieoeve kes efueS Dehevee OeveJeeo Jee kejlee nw
leLee YeefJe<e ceW Gvekes melele meceLe&ve SJeb meneesie keer Dehes#ee kejlee nw.
11.2 Yeejle mejkeej leLee Yeejleere efjpeJe& yeQke mes heehle meceeesefele meueen,
cenJehetCe& ceeie&oMe&ve SJeb meceLe&ve kes efueS Yeer efveosMeke ceb[ue nee|oke DeeYeej Jee
kejlee nw.
11.3 efveosMeke ceb[ue efJeeere mebmLeeDeeW / yeQkeeW leLee heefleefveefOeeeW kes heefle Yeer yeQke
kees efoS ieS Gvekes meneesie SJeb meceLe&ve kes efueS ke=le%elee Jee kejlee nw.
11.4 efveosMeke ceb[ue yeQke kes keejesyeej ceW heehle heieefle kes efueS meYeer mlejeW hej
meHe meomeeW eje efoS ieS cenlJehetCe& eesieoeve kes efueS Gvekeer mejenvee kejlee nw.
efveosMekeieCe yeQke kes leerJe keejesyeej efJekeeme leLee heieefle ceW Gvemes meleled meneesie keer
DeeMee jKeles nQ.
efveosMeke ceb[ue kes efueS Deewj Gvekeer Deesj mes
9.15 During the Financial Year under review, in terms of Clause (i) of
sub-section (3) of Section 9 of the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970, the Bank conducted an
Extraordinary General Meeting of Shareholders of the Bank other
than the Central Government, for election of three Shareholder
Directors, at Sir Sorabji Pochkhanwala Bankers Training College,
Mumbai, on March 9, 2012. After the successful exercise of
election, Dr. Pritam Singh was re-elected and two Shareholder
Directors i.e. (i) Shri Rohit M. Desai, (ii) Shri Mukesh Mohan were
elected as Shareholder Directors representing shareholders other
than Central Government. These Directors will hold office for three
years from March 17, 2012.
10.00 Directors' Responsibility Statement
The Directors, in preparation of the annual accounts for the year
ended March 31, 2012, confirm the following:
I.
II.
III. That they have taken proper and sufficient care for the
maintenance of adequate accounting records in accordance
with the provisions of applicable laws governing banks in India
for preventing and detecting frauds and other irregularities.
IV. That they have prepared the annual accounts on a going
concern basis.
11. Acknowledgments
11.1 The Board of Directors expresses its patronage and sincere
thanks to the Banks valued customers, shareholders and well
wishers for their valuable contribution towards the progress of the
Bank and seek their continued support and co-operation in future.
11.2 The Board of Directors acknowledges with gratitude, the
timely advice, valuable guidance and support received from
Government of India and Reserve Bank of India.
11.3 The Board of Directors are also thankful to the Financial
Institutions / Banks and Correspondents for their cooperation and
support to the Bank.
11.4 The Board of Directors wish to place on record, the deep
appreciation of the valuable contribution made by the staff, at all
levels, for the progress achieved in Bank's business. The Directors
look forward to their continued cooperation in faster business
development and progress of the Bank.
(vethegj efce$ee)
DeOe#e SJeb heyevOe efveosMeke
efoveebke : 17.05.2012
mLeeve cegbyeF&
(Nupur Mitra)
Chairperson & Managing Director
Date: 17.05.2012
Place: Mumbai
Jeeef<e&ke efjHees&
2011 - 2012 | 20
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
Jewefeke Deee|Leke JeeleeJejCe
Jewefeke mLetue Deee|Leke IeveeDeeW ves meblegefuele heieefle kes mebkesle efoes nQ Deewj Fmemes
eewLeer efleceener ceW mebke keer eEelee keg kece ngF& nw. en Decesefjkee ceW mekeue Iejsuet
Glheeo ceW Je=ef leLee GheYeeseeDeeW eje efkees peevesJeeues Kee& ceW Je=ef Deewj yesjespeieejer
keer oj kece nesves kes keejCe mebYeJe ngDee uesefkeve Je=ef oj yeveees jKeves keer eEelee yeveer
ngF& nw. F&meeryeer eje oerIee&JeefOe hegvee|Jele heefjeeueveeW kes ceeOece mes ye[er cee$ee ceW lejuelee
heoeve efkees peeves kes yeeJepeto etjes peesve ceW eewLeer efleceener ceW mekeue Iejsuet Glheeo keer
Je=ef oj Ie ieF&. en ye[er cee$ee kes mejkeejer $eCe mlej, mebkegefele meeKe eqmLeefle
leLee Ge mlej keer yesjespeieejer kes keejCe efJeeere eqmLeefle ceW megOeej kes efueS efkeS ieS
GheeeeW kes keejCe ngDee. etjes ieghe kes osMeeW kee $eCe mebke DeYeer otj veneR ngDee nw pewmes
efke neue ner ceW mhesve keer Ievee mes %eele neslee nw. Fmekee Demej efJee keer DeLe&JeJemLee
kes efve<heeove hej peejer jnsiee.
efJeeYej ceW GYejleer yeepeej DeLe& JeJemLeeDeeW ceW Yeer Je=ef oj ceW keceer ngF&, peesefke
cegKele ceewefke eqmLeefle keesj efkees peeves kes keejCe ngF&. yeer.Deej.DeeF&.meer.Sme.
(yeeefpeue, Me, Yeejle, eerve Deewj oef#eCe Deefekee osMeeW ceW mes eerve Deewj yeeefpeue
ceW mekeue Iejsuet Glheeo lespeer mes Iee Deewj me Deewj oef#eCe Deefekee ceW en Iele
ceOece jner. yeepeerue Deewj me ceW cege mHeerefle kee oyeeJe ceOece mlej kee jne Deewj
eerve ceW en oyeeJe ye{ ieee.
kees lesue keer keerceleeW ceW peveJejer 2012 mes ngF& Je=ef mes efJee keer eEelee Deewj ye{ ieeer
peesefke Jele&ceeve mlej leke yeves jnves keer mebYeeJevee nw.
2.
1.
Yeejleere DeLe&JeJemLee, efpemeves efheues oes Je<eeX kes oewjeve 8.4% keer peer.[er.heer.Je=ef
ope& keer Leer, Je<e& 2011-12 kes oewjeve 6.9% keer oj hej ye{ves keer mebYeeJevee nw peesefke
Je=ef ceW ceboer keer eqmLeefle oMee&leer nw. en cegKele Deeweesefieke Je=ef ceW ceboer kes keejCe
ngF& peesefke 2011-12 keer leermejer efleceener ceW 0.8% leke efiej ieF& Leer efpememes efomecyej
2011 leke veew ceefnves keer DeJeefOe ceW Je=ef oj 3.3% jner. ke=ef<e #es$e ceW Je=ef 3.2%
kes ceOece mlej hej yeveer jner, peesefke Deetyej-efomecyej 2011 kes oewjeve meeceeve mes
kece Gej hetJe& ceevemetve kes keejCe ngF&. leLeeefhe, mesJee #es$e ceW efomecyej 2011 leke keer
DeJeefOe kes efueS Deve meskejeW keer leguevee ceW 8.8% keer Je=ef oj jner, peesefke efheues
Je<e& keer meceeve DeJeefOe ceW Gmeer DeJemej hej Leer. Deeweesefieke #es$e ceW ceboer kes cegKe keejCe
Iejsuet veerefle ceW DeeqmLejlee, ceewefke eqmLeefle mebkegefele efkeee peevee Deewj yeenjer ceebie
kece nesvee Les.
eeefhe Je<e& kes oewjeve ke=ef<e kes efueS Meerlekeeueerve ceevemetve ceW efheues oMeke ceW Yeejer
keceer heeF& ieeer, ke=ef<e Glheeove hej Fmekee meceie heYeeJe DeefOeke nesves keer mebYeeJevee veneR
nw. KeeeeveeW kee Glheeove keeHeer Ge mlej hej nesves keer mebYeeJevee nw uesefkeve efleuenve
leLee oeueeW kee Glheeove vekeejelceke jnves keer mebYeeJevee nw.
2011-12 kes oewjeve Deeweesefieke Glheeove ceW Yeejer keceer ngF& peesefke Gpee& Deewj KeefvepeeW
keer Deehete|le ceW yeeOee kes keejCe ngF&. Deeweesefieke Glheeove ceW keceer, GheYeesee GlheeoeW
keer kecepeesj ceebie, yeepe oj ceW Je=ef yeenjer ceebie kece nesves leLee keejesyeej efJeeeme ceW
keceer kes keejCe Ies ngS efveJesMe ceebie kes keejCe ngDee.
mesJee #es$e, efpemekee mekeue Iejsuet Glheeo ceW hecegKe Yeeie nw, ves Deheveer Je=ef oj
peejer jKeer uesefkeve Gmekeer Je=ef oj kece nesleer ngF& heleerle nesleer nw. hecegKe metekeebke
sueerkee@ce leLee Debleje&^ere ee$eeDeeW ceW ceboer kes mebkesle osles nQ peyeefke jsuJes ceeue leLee
Iejsuet ee$eer eeleeeele ceW Je=ef kes mebkesle nQ. neue ner keer efleceeefneeW ceW me[keeW keer
efveefJeoeeW peejer efkees peeves kes keejCe 2012-13 kes oewjeve efvecee&Ce #es$e ceW megOeej nesves
keer mebYeeJevee nw.
veJecyej 2011 leke cegemHeerelf e eEelee kee hecegKe keejCe yeveer jner, leLeeefhe efomecyejpeveJejer keer DeJeefOe kes oewjeve KeeeeVe keerceleeW leLee iewj KeeeeVe efvecee&Ce GlheeoeW keer
keerceleeW ceW HejJejer leLee ceee& 2012 ceW keceer nesves kes keejCe Jen ceOece mlej hej yeveer jner.
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
Fme Je<e& Yeejle kee efveee&le et Sme [e@uej 300 efyeefueeve heej kej ieee. Devebeflece
Deeke[eW kes Devegmeej Yeejle kes efveee&le ves et Sme [e@uej 303.7 efyeefueeve leke ye{les
ngS 21% keer Je=ef ope& keer. Ge efve<heeove Jeeues #es$eeW ceW FbpeerefveeeEjie, hes^esefueece
leLee DeveeW ceW lesue Glheeo nQ. Deeeele 32.1% keer Je=ef kes meeLe et Sme [e@uej
488.6 efyeefueeve jne. ye{les ngS Deeeele ceW efpeve #es$eeW ves Dehevee eesieoeve efoee GveceW
hes^esefueece, Dee@eue, uetefyekesMeve, meesvee SJeb eeboer, DeveeW ceW keeseuee Deeefo Meeefceue nw.
meceie he ceW Jeeheeefjke Ieee efjkee[& he ceW et Sme [e@uej 184.9 efyeefueeve jne. Fme
Je<e& kee Jeeheej Ieee cenlJehetCe& jne, efJeMes<ele peye en Je<e& 2010-11 kes efueS et Sme
[e@uej 104.82 efyeefueeve Devegceeefvele Lee, pees efke Je<e& 2009-10 kes oewjeve et Sme [e@
uej 109.62 efyeefueeve kes Iees mes kece Lee. Jeeheej Iees kes DeeBke[eW ves Yeejle kes eeuet
Keeles kes meeLe meeLe hees keer Ieye{ hej Yeer heefleketue heYeeJe [euee nw.
2012-13 ceW heJesMe kes meeLe efyevee meceeOeeve etjes mebke eqmLeefle leLee Decesefjkee ceW
Goemeerve Je=ef kes eueles Yeejle kes efveee&lekeeW kes efueS Deeves Jeeuee Je<e& egveewleer hetCe&
jnsiee. leLeeefhe, Yeejle Je<e& 2009 kes Deheves efveee&le cetue kees veerefleiele meeOeveeW leLee
efveee&le yee]peej kes efJeefJeOeerkejCe kes meeLe 2014 leke oesiegvee kejves kee heeeme kejsiee.
3. Yeejleere efj]peJe& yeQke kee veerefle JeeJe
Yeejleere efjpeJe& yeQke ves Fme efJee Je<e& ceW ceewefke mebkegeve DeejbYe kej efoee nw. Yeejleere
efjpeJe& yeQke ves cege mHeerleer kees efveebef$ele kejves kes efueS, peesefke Je<e& keer DeefOekeebMe
DeJeefOe ceW oes DebkeeW ceW Leer, efheues Ske Je<e& ceW jshees oj kees 6.75% mes eceMe ye{ekej
8.50%( 175 DeeOeej DebkeeW keer Je=ef) kej efoee nw. Yeejleere efjpeJe& yeQke ves Deejef#ele
vekeoer efveefOe Devegheele (meer Deej Deej) ye{ekej Dehewue 2011 mes peveJejer 2012 leke
6.0% keer oj hej DeheefjJee|lele jKee. Fmemes heCeeueer ceW lejuelee kece ngF& Deewj heCeeueer
ceW lejuelee keceer kees kece kejves kes efueS Yeejleere efjpeJe& yeQke ves DeejbYe ceW Deejef#ele
vekeoer efveefOe Devegheele (meer.Deej.Deej)peveJejer 2012 ceW 50 DeeOeej Debke Ieekej
6% mes 5.50% leLee ceee& 2012 ceW 5.50% mes 4.75% kej efoee. yeWeceeke& Depe&ve
8% mes 8.95% kes oeejs ceW jne.
Yeejleere efj]peJe& yeQke ves Deheves veerefle JeeJe ceW cege mHeerefle keer oj kees efveebef$ele jKeves
kes efueS ceee& 2010 mes Deetyej 2011 keer DeJeefOe kes oewjeve Deheveer veerefle oj ceW
375 DeeOeej DebkeeW keer Je=ef keer. efomecyej 2011 ceW ceOe efleceener meceer#ee kes oewjeve
Yee.efj. yeQke ves Deheveer veerefle ojeW ceW keesF& heefjJele&ve veneR efkeee. leermejer efleceener ceW Je=ef
oj 6.1% leke Ie peeves kes keejCe Yeejleere efj]peJe& yeQke ves Je=ef oj - cege mHeerefle
keer ieefle ceW meblegueve yeveees jKeves kes efueS 2012-13 kes efueS Deheves veerefle JeeJe ceW
ojeW kees kece kejves kes efueS Deewj DeefOeke keej&JeeF& kejves kes mebkesle efoS nQ. Yeejleere
efjp] eJe& yeQke ves 2012-13 keer hecegKe veerelf e Iees<eCeeDeeW ceW efvecveefueefKele kes mebkesle efoes nQ :
- Jele&ceeve Je=ef oj kees meblegefuele jKeves kes efueS veerefle ojeW ceW mebMeesOeve
- ceebie DeeOeeefjle cege mHeerefle kes GYejles ngS oyeeJe kes efKeueeHe megj#ee kes Gheee
kejvee.
- efJeeere heCeeueer kees yesnlej lejuelee heoeve kejvee.
Yeejleere efj]peJe& yeQke ves Dehewue 2012 ceW lelkeeue heYeeJe mes efjhees oj leLee efjJeme&
efjhees oj ceW 50 DeeOeej DebkeeW keer keceer kejkes Gmes eceMe 8% Deewj 7% kej
efoee. Devegmetefele JeeefCeeqpeke yeQkeeW kees yesnlej lejuelee heoeve kejves kes efueS GvneWves
ceee|peveue mLeeeer megefJeOee (SceSmeSHe) kes Debleie&le GOeej meerceeDeeW kees efheues otmejs
heKeJee[s kes Deble ceW Gvekeer efveJeue ceebie Deewj ceereeoer oseleeDeeW (Sve[ererSue) kes
yekeeee ceW Je=ef kejkes Gmes 1% mes ye{ekej 2% kej efoee nw.
4. yeQeEkeie Geesie keer heJe=efeeeB
Je=ef leLee cege mHeerefle keer heJe=efe kes meeLe meecebpeme kes Devegmeej iewj KeeeeVe meeKe
Je=ef Je<e& oj Je<e& DeeOeej hej 2011-12 kes oewjeve 17% jner peesefke Yeejleere efj]peJe&
yeQke eje 16% kes meteke Devegceeefvele mlej mes DeefOeke nw, leLeeefhe pecee jeefMeeeW keer
Je=ef oj ceee& 2012 kes Deble ceW 13.4% Leer peyeefke Yeejleere efj]peJe& yeQke ves 15.5%
kes mlej kee Devegceeve ueieeee Lee. en Je=ef oj yeQkeeW eje Ge yeepe oj yeveees
jKes peeves kes yeeJepeto jner. Fmemes meeKe Je=ef leLee pecee Je=ef kes yeere ye[e Deblejeue
GlheVe nes ieee.
Indias exports crossed the US$300 Bn mark this year. As per the
provisional data, Indias exports grew to US$ 303.7 Bn registering
a growth of 21%. Top performing sectors include engineering,
petroleum & oil products among others. Imports grew by 32.1%
to US$488.6 Bn. Major sectors that contributed to the burgeoning
imports include petroleum, oil, lubricants, gold & silver, coal among
others.
The overall trade deficit stood at record US$184.9 Bn. This years
trade deficit looks significant particularly when the trade deficit for
2010-11 was estimated at US $ 104.82 Bn which was lower than the
deficit of US $ 109.62 Bn during 2009-10. The trade deficit figures
may adversely impact Indias current account as well as the rupee
movement.
Moving into 2012-13, with no solution to euro crisis and listless
growth in the US, it will be challenging year ahead for Indian
exporters. However, India looks forward to double its export value
of 2009 by 2014 with a mix of policy instruments and diversification
of export markets.
3. Reserve Bank of India Policy Stance
The Reserve Bank of India started its monetary tightening in this
fiscal. The Reserve Bank of India gradually increased repo rates
from 6.75% to 8.50% (increase by 175 bps) to contain the inflation
which was hovering around double digit mark for most period of
the year. The Reserve Bank of India kept the Cash Reserve Ratio
(CRR) unchanged at 6% from April 2011 till January 2012. This led
to liquidity deficit in the system and to reduce the liquidity deficit
in the system the Reserve Bank of India reduced the Cash reserve
ratio (CRR) initially by 50 bps from 6% to 5.50% on January 2012
and then to 4.75% from 5.50% in March 2012. The benchmark
yields were in the range of 8% to 8.95%.
Reserve Bank of India in its policy stance of containing the inflation
and anchor inflation expectations raised policy rate by 375 basis
points during March 2010 October 2011. During its mid-quarter
review in December 2011, RBI kept the policy rates unchanged.
As the growth decelerated significantly in quarter 3 to 6.1%
considering the growth-inflation dynamics Reserve Bank of India
in its policy stance for 2012-2013 indicated further actions towards
the lowering of the rates. Accordingly Reserve Bank of India in its
major policy announcements for 2012-2013 indicated to:
-
Jeeef<e&ke efjHees&
2011 - 2012 | 22
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
5. Business Performance of the Bank
5. yeQke
Particulars
5.1 The composition of Total Business Mix of the Bank for the last
two years is as under:
(` kejes[ ceW) (` in Crs)
ceee& 2011
March 2011
ceee& 2012
March 2012
64,209.62
77,166.80
45,163.37
57,159.20
1,09,372.99
1,34,326.00
5.2
yeQke kee mebefcee keejesyeej ceee& 2011 ceW ` 1,09,372.99 kejes[ mes ye{kej
ceee& 2012 ceW `1,34,326.00 kejes[ leke hengBe ieee pees efke 22.81% keer Je=ef
oMee&lee nw.
5.3 kegue pecee jeefMeeeb ceee& 2012 kees ` 77,166.80 kejes[ kes mlej leke hengBe ieF&
pees efke efheues Je<e& kes mlej ` 64,209.62 kejes[ ceW 20.18% keer Je=ef oMee&leer nQ.
yeQke kes kegue Deefiece ceee& 2012 kees ` 57,159.20 kejes[ leke hengBe ieS pees
efke ceee& 2011kes ` 45,163.37 kejes[ kes mlej ceW 26.56% keer Je=ef oMee&les nQ.
6.
6. Deposits Mobilisation
5.4
pecee mebienCe
6.1
efJee Je<e& 2011-12 kes oewjeve efJeefYeVe JeieeX keer pecee jeefMeeeW ceW ` 12,957.18
kejes[ keer Je=ef ngF&. efJee Je<e& 2010-11 leLee 2011-12 kes efueS pecee jeefMeeeW keer
legueveelceke eqmLeefle efvecve hekeej nw :
(` kejes[ ceW)
ceeveob[
(` in Crore)
ceee& 2011
March 2011
ceee& 2012
March 2012
eeuet Current
5419
(8.74%)
7273
(10.01%)
yeele Savings
17325
(27.94%)
19317
(26.60%)
meeJeefOe Term
39241
(63.31%)
47250
(65.06%)
61985
73840
2225
3327
64210
77167
35.42%
34.46%
PARAMETERS
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
lejuelee eqmLeefleeeW, Je=ef oj Ieves leLee DeeeqmleeeW keer iegCeJeee Ieves kes keejCe
GlheVe eqmLeefleeeW kee meecevee kejvee he[e. Fve meYeer mecemeeDeeW kes meeLe yeQke ves
Deheveer efJeJeskehetCe& meeKe heyebOeve veerefle kes Devegmeej Deheveer iegCeelceke DeeeqmleeeW kee
DeeOeej ye{eee nw.
yeQke kes DeefieceeW ceW ` 11995.83 kejes[ keer Je=ef ngF& Deewj Jen 31.03.2011 kees
` 45163.37 kejes[ mes ye{kej 31.03.2012 kees ` 57159.20 kejes[ leke
hengBe ieS, peesefke 26.56% keer Je=ef oMee&les nQ. Je<e& kes oewjeve SceSmeSceF&, ke=ef<e
leLee efjsue meskej hej eespeveeye lejerkes mes peesefKece efJelejCe hej efJeMes<e Oeeve
efoee ieee.
14000
12000
11435
10605
10000
8291
8000
6784
7282
6136
6389
6989
2010-11
2011-12
6000
4000
2000
0
Infrastructure
MSME
Retail
Agriculture
yeQke kes meskejJeej efveJesMe kes Devegmeej Geesie kees efoes ieS $eCeeW ceW 19.37% keer
Je=ef ngF& efpemeceW SceSmeSceF&, efjsue, ke=ef<e Deeefo hecegKe nw. SceSmeSceF& efjsue leLee
ke=ef<e DeefieceeW ceW Je=ef oj eceMe 22.22%, 18.69% leLee 9.39% jner. $eCeeW ceW
Je=ef oj efjsue leLee keeheexjs Keb[ oesveeW kes Debleie&le yeQke kes efJeefYeVe $eCe GlheeoeW
kes heYeeJeer efJeheCeve heeemeeW mes heehle keer ieF&. nceejs yeQke ves iegCeelceke $eCe hemleeJeeW kees
heehle kejves kes efueS 10.01.2011 mes $eCe mecetnve ke#e ([erSmemeer) keer mLeehevee keer
nw efpememes nceejs efJeeceeve ieenkeeW keer DeeJeMekeleeDeeW kees hetjer kejves kes meeLe-meeLe
nceejs yeQke keer Meguke DeeOeeefjle Deee Yeer ye{er nw. $eCe mecetnve kes DeueeJee Ge ke#e
lekeveerkeer Deee|Leke mebYeeJelee DeOeeve (erF&Jeer) leLee Deve SpeseqvmeeeW eje leweej
keer ieF& erF&Jeer efjheeseX keer peebe Yeer kejlee nw.
ieenkeeW keer DeeJeMekelee kees hetje kejves Deewj Gvekes MeerIe efveheeve kes efueS yeQke kes
efJeefYeVe efJeefMe $eCe efJelejCe kes - pewmes hecegKe keseW eLee, veF& efouueer, cegbyeF&,
esVew, keesuekeelee SJeb Denceoeyeeo ceW keeheexjs keejesyeej MeeKeeSB (meer yeer yeer) leLee
Deeweesefieke efJee MeeKeeSB (DeeF&.SHe.yeer.) Sce.Sme.Sce.F&. DeefieceeW kes efueS keserke=le
heesmeseEmeie kes, efjsue GlheeoeW kes efueS efJeefYeVe #es$eere keeee&ueeeW kes lenle efjsue
Deeeqmle MeeKeeDeeW ves yeQke kes heeemeeW ceW Je=ef keer nw.
je^ efvecee&Ce kes heefle Deheveer heefleyelee kes meeLe yeQke ves cetueYetle megefJeOeeDeeW kes efJeeereve
ceW meefeelee mes Yeeie efueee nw. Je<e& 2011-12 kes oewjeve yeQke kee heefjeeueveelceke
GOeej 18.55% jne. cetueYetle megefJeOee #es$e kees yeQke kes $eCe 31.3.11 kes
`11434.89 kejes[ mes Iekej 31.3.12 kes ` 10605.16 kejes[ jn ieS. en
meye Fme leLe kes keejCe ngDee keeeWefke heeefuele Deefveeefcelelee kees osKeles ngS sueerkee@
ce #es$e kes lenle yengle mes keeheexjsme ves Deheveer ose jeefMe kee Yegieleeve kej efoee Lee.
With its commitment towards nation building, the Bank has been
actively participating in infrastructure financing. During 2011-12,
Infrastructure lending constituted 18.55%. The banks exposure
to infrastructure sector decreased from Rs. 11434.89 crore as on
31.03.11 to Rs.10605.16 crore as on 31.03.12. This was on account
of the fact many corporates repaid their dues under telecom sector
in view of prevailing uncertainty. In power sector many short
term loans were not rolled over on due dates. However, the Bank
Jeeef<e&ke efjHees&
2011 - 2012 | 24
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
hee@Jej #es$e ceW yengle mes DeuheeJeefOe $eCe Deheveer efveele leejerKe kees veneR Yejs ieS. leLeeefhe,
yeQke ves Deve $eCeoeleeDeeW kes DevegmejCe ceW heerSmeet efJelejCe kebheefveeeW kees Gvekeer ose
jeefMe keer hegvemejevee kejves ceW ceoo keer nw. cetueYetle megefJeOeeDeeW kes Debleie&le #es$eJeej
efJelejCe efvecveevegmeej jne :
373.3
854.09
576.66
Other
Road & Port
Telecom
Power
8800.71
Je<e& kes oewjeve ke=ef<e GOeej ceee& 2011 kes ` 6389 kejes[ kes mlej mes
ye{kej ceee& 2012 kees ` 6989 kejes[ nes ieS, pees 9.39% keer Je=ef
oMee&lee nw. yeQke kes meceeeesefpele efveJeue GOeej ceW ke=ef<e yekeeee GOeej kee
Devegheele 15.71% Lee.
8.3 efJeMes<e
Je<e& kes oewjeve yeQke ves ` 492.77 kejes[ kes 56853 veS efkemeeve esef[ kee[& (kes meer
meer) peejer efkeS nQ, efpememes Je<e& kes Deble ceW yeQke eje peejer efkeS ieS efkemeeve esef[
kee[eX keer kegue mebKee 196817 leLee $eCe efJemleej ` 2078.37 kejes[ nes ieee nw.
8.5 met#ce eEmeeeF& heefle (Sce DeeF& Sme) kes Debleie&le heieefle
met#ce eEmeeeF& heefle kees heeslmeenve osves kes efueS yeQke ves cesmeme& iegpejele ieerve
efjJeesuegMeve kebheveer efueefces[ kes meeLe meneesie mes met#ce eEmeeeF& heefle kes
The Bank has issued 56853 fresh Kisan Credit Cards (KCCs)
involving credit assistance of ` 492.77 Crore during the year, taking
the total number of KCCs to 196817 lakhs involving an outstanding
credit of ` 2078.37 Crore, as at the end of the year.
The Bank has put in place robust monitoring system for ensuring
good quality of assets. The Bank has put in place a system where
based on Early Warning System, accounts are put on close watch,
wherever required and slippage in asset category is arrested.
8. Advances to Priority Sector:
8.1 The Bank has been consistently fulfilling its social obligations
in respect of priority sector lending. The Bank has adopted multi
pronged strategies during the year, to augment credit flow to this
sector. Priority Sector Advances of the Bank have thus increased
from the level of `15150 Crore as of March, 2011 to ` 17153 Crore
as of March, 2012, registering a growth of 13.22 %. The ratio of
priority sector advances to Adjusted Net Bank Credit stood at
38.54% as of March, 2012 against the regulatory guidelines of 40%.
8.2 Lending to Agriculture
In line with the Governments Farm Credit Package, the Bank has
been continuously taking necessary measures to step up the flow
of credit to agriculture.
The Bank has disbursed ` 2768 crore during the year 2011-12
under Special Agriculture Credit Plan as against the target of
`2200 Crore thus registering 125.82% achievement of the target
set for the Bank.
8.4 Dena Kisan Credit Cards
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
mebmLeeheve kes efueS 3736 efkemeeveeW kees kegue .48.34 kejes[ kes $eCe efJeleefjle
efkeS nQ.
8.6 Yeejle mejkeej keer 2% yeepe Devegoeve eespevee kes lenle efkemeeveeW kees
jenle
yeQke ves Yeejle mejkeej keer yeepe Devegoeve eespevee kes Debleie&le Hemeue $eCe kes efueS 201112 kes oewjeve 1.5% yeepe Devegoeve kes Debleie&le ` 5.11 kejes[ SJeb 2% Deefleefje yeepe
keer kegue yeepe jenle mJeerke=le keer nw.
Devegoeve kes Debleie&le ` 8.83 kejes[
Fmeer hekeej yeQke ves 2011-12 kes oewjeve efJeleefjle Hemeue $eCe kes efueS 2% yeepe
Devegoeve kes Debleie&le ` 20.93 kejes[ SJeb 3% Deefleefje yeepe Devegoeve kes Debleie&le
` 6.59 kejes[ pecee efkees nQ.
8.7 efkemeeve keueyeeW keer mLeehevee
ceee&, 2012 kees yeQke ves 1652 efkemeeve keueye mLeeefHele efkeS.
8.8 mJeeb meneelee mecetneW (Sme Se peer) kees efJeeereve
ceee& 2012 leke yeQke eje meeKe mebye mJeeb meneelee mecetneW keer mebKee ye{kej 23341
leke hengB e ieF& efpeveceW ` 97.11 kejes[ keer jkece Meeefceue nw. ceee& 2011 kees meeKe mebye
mJeeb meneelee mecetneW keer mebKee 22364 Leer efpeveceW ` 89.05 kejes[ keer jkece Meeefceue nw.
Je<e& kes oewjeve yeQke eje 977 vees mJeeb meneelee mecetneW kees $eCe megeJf eOee mes pees[e ieee nw.
8.9 ceefnueeDeeW kees $eCe heJeen
ceee& 2011 kes ` 2043 kejes[ kes mlej keer leguevee ceW ceefnueeDeeW kees $eCe heJeen kee
mlej ceee& 2012 ceW ye{kej ` 2261 kejes[ nes ieee nw, efpememes FmeceW 10.67% keer
Je=ef ope& ngF& nw. Yeejle mejkeej eje efveOee&efjle 5% ue#e keer leguevee ceW ceefnueeDeeW kees
yekeeee $eCe heJeen meceeeesefpele efveJeue yeQke $eCe kee 5.08% nw. ceefnuee meMeefekejCe
kes yeejs ceW peeiekelee ueeves kes efueS yeQke ves Debleje&^ere ceefnuee efoJeme kes DeJemej hej
Deveske keee&ece Deeeesefpele efkeS.
8.10 kecepeesj JeieeX kees Deefiece
heeLeefcekelee #es$e ceW nes jns efJekeeme kes meeLe-meeLe kecepeesj JeieeX kes DeefieceeW ceW Yeer Je=ef
ngF& nw. ceee&, 2011 ceW Fve DeefieceeW kee mlej ` 2689 kejes[ Lee, pees ceee& 2012 ceW
ye{kej ` 3619.52 kejes[ nes ieee, pees efke 34.56% keer Je=ef oMee&lee nw. kecepeesj
JeieeX kees yeQke kee Deefiece meceeeesefpele efveJeue yeQke meeKe kee 8.13% jne.
8.11
8.12
Jeeef<e&ke efjHees&
2011 - 2012 | 26
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
kes ` 1400 kejes[ mes ye{kej ceee& 2012 kees ` 1723 kejes[ nes iees nQ pees efke
heeLeefcekelee #es$e kes DeefieceeW kee 10.05% nw.
8.15 mejkeej eje heeeesefpele keee&ece
Yeejle mejkeej ves ieeceerCe SJeb Menjer #es$eeW ceW met#ce GeceeW keer mLeehevee kes ceeOece mes
jespeieej DeJemej me=efpele kejves kes efueS efoveebke 01.04.2008 mes ieeceerCe jespeieej
me=peve keee&ece (Deej F& peer heer) SJeb heOeeve ceb$eer jespeieej eespevee (heer Sce Deej JeeF&)
kees efceueekej heOeeve ceb$eer jespeieej me=peve keee&ece (heer Sce F& peer heer) veece mes veeer
eespevee keer MegDeele keer nw.
yeQke iejeryeer Gvcetueve leLee mJejespeieej me=peve keer mejkeej eje heeeesefpele eespeveeDeeW
kee meefeelee mes keeee&vJeeve kej jne nw. yeQke ves heer.Sce.F&.peer.heer. kes Debleie&le 18092
ueeYeee|LeeeW kees ` 106.45 kejes[, leLee mJeCe&peebleer ieece mJejespeieej eespevee kes
Debleie&le 31769 ueeYeee|LeeeW kees ` 72.53 kejes[ SJeb mJeCe& peebleer Menjer mJejespeieej
eespevee (Sme pes Sme Deej JeeF&) kes lenle 11445 ueeYeee|LeeeW kees ` 28.53 kejes[
kes $eCe mJeerke=le efkeS nQ.
8.16 osvee meeceeve esef[ kee[& ([er peer meer meer) eespevee
yeQke ieeceerCe leLee Gheveiejere #es$eeW ceW Deuhe meeOeveeW Jeeues GOeejkelee&DeeW kees Fme
eespevee kes Debleie&le ` 25000/- leke keer DeesJej[^eHe megefJeOee heoeve kej jne nw.
ceee& 2012 leke yeQke ves 17608 [er peer meer kee[& peejer efkees nQ.
8.17 osvee Yetefcenerve efkemeeve esef[ kee[&
yeQke ves hesoej efkemeeveeW, ceewefKeke heeOeejkeeW, yebeeer ceW Kesleer kejvesJeeues efkemeeveeW,
Yetefcenerve cepeotjeW, Deeefo kes efueS Ske efJeMes<e eespevee DeejbYe keer nw efpemekes Debleie&le
efJeefYeVe ke=ef<e leLee mebye efeeekeueeheeW, efpemeceW GheYeesie Yeer Meeefceue nw, kes efueS
.25000/- leke $eCe megefJeOee heoeve keer peeleer nw. eespevee kes Debleie&le Je<e& kes oewjeve
2720 Yetefcenerve efkemeeve esef[ kee[& peejer efkeS ieS nQ.
8.18 efJeeere mee#ejlee / meeKe hejeceMe& kes
Yeejleere efj]peJe& yeQke ves 100% efJeeere meceeJesMeve kees megefveeqele kejves kes heeespeve
mes yeQkeeW kees mebyebefOele DeieCeer efpeueeW ceW meeKe hejeceMe& kes Keesueves kes efveosMe efoS
nQ. leodvegmeej meeKe hejeceMe& kes mLeeefhele kejves kes yeejs ceW Yeejleere efjpeJe& yeQke kes
efoMeeefveosMeeW kes DevegmejCe ceW yeQke ves ieebOeerveiej #es$e kes Debleie&le efncceleveiej (efpeuee
meeyejkeebe) ceW efoveebke 08.08.2007 kees Dehevee heLece meeKe hejeceMe& kes mLeeefhele
efkeee. yeQke ves iegpejele jepe ceW heeuevehegj, cesnmeeCee, Yegpe, efncceleveiej, ieebOeerveiej
leLee oeoje veiej nJesueer kes Meeefmele heosMe ceW efmeueJeemee ceW meeKe hejeceMe& kes Keesues
nQ. Ge keseW kee veece osvee efce$e jKee ieee nw.
8.19 kee@heexjs meeceeefpeke GejoeefelJe
8.19.1 ieeceerCe mJejespeieej heefMe#eCe mebmLeeve (Deej.Sme.F&.er.DeeF&.)
osvee yeQke ves ieeceerCe efJekeeme ceW efJeefYeVe keeeeX kes efueS ` 150.00 ueeKe keer DeejbefYeke
hetbpeer kes meeLe Ske meesmeeeer ``osvee ieeceerCe efJekeeme heefleeve'' ([erDeej[erSHe) keer
mLeehevee keer nw. [erDeej[erSHe ves yeQke kes DeieCeer efpeueeW ceW, efpeveceW yeQke DeieCeer yeQke
keer efpeccesoejer efveYee jne nw, ceW 12 mJejespeieej heefMe#eCe kes (DeejSmeF&erDeeF&)
mLeeefhele efkeS nQ FveceW Meeefceue nQ iegpejele jepe ceW (1) Denceoeyeeo, (2) ke, (3)
cesnmeeCee, (4) yeveemekeebe, (5) meeyejkeebe, (6) heeCe leLee eermeie{ jepe
ceW (7) ogie&, (8) Oecelejer, (9) cenemecegbo, (10) jeehegj, (11) jepeveboieebJe leLee
(12) oeoje Deewj veiej nJesueer kesv Meeefmele eosMe ceW efmeueJeemee ceW, peneb yeQke DeieCeer
yeQke kee GejoeefelJe efveYee jne nw.
8.19.2 yeeefuekeeDeeW keer efMe#ee kees heeeesefpele kejvee
kee@heexjs meeceeefpeke GejoeefelJe kes Yeeie kes he ceW, yeQke ves Deheves mesJee #es$e kes
ieebJeeW keer yeeefuekeeDeeW keer efMe#ee kes heeeespeve kes efueS ``osvee ue#ceer efMe#ee heeslmeenve
eespevee'' kes veece mes Ske eespevee DeejbYe keer nw. Fme eespevee kes Debleie&le yeQke Deheveer
MeeKeeDeeW kes keceeve #es$e ceW Deeves Jeeues mketueeW ceW mes iejeryeer jsKee mes veeres kes heefjJeejeW
(yeer heer Sue) keer, heleske mketue mes meeleJeeR ke#ee ceW heLece SJeb efleere jQke heehle kejves
Jeeueer e$eeDeeW keer heneeve kejsiee Deewj GvnW eceMe ` 2000/- Deewj ` 1500/- keer
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
e$eJe=efe heoeve kejsiee. Fme eespevee kes Debleie&le yeQke ves DeYeer leke 2213 e$eeDeeW
kees e$eJe=efe heoeve keer nw.
8.20 jepe mlejere yeQkeme& meefceefle (Sme.Sue.yeer.meer.) GejoeefelJe
yeQke iegpejele jepe ceW jepe mlejere yeQkeme& meefceefle kes mebeespeke kes he ceW leLee kes
Meeefmele heosMe oeoje SJeb veiej nJesueer SJeb oceve ceW et er Sue yeer meer kes mebeespeke mebyebOeer
GejoeefelJeeW kee meHeueleehetJe&ke efveJee&n kej jne nw. Gmes oerJe mebIe Meeefmele #es$e ceW Yeer
DeieCeer yeQke kee GejoeefelJe efoee ieee nw. jepe mlejere yeQkeme& meefceefle ves iegpejele
jepe kes meceie efJekeeme kes efueS efJeefYeVe heeLeefcekelee #es$e Deewj efJekeemeMeerue eespeveeDeeW
keer efvejblej efveiejeveer kes eje cenlJehetCe& Yetefcekee efveYeeF& nw. yeQke Yeejle mejkeej eje
Ieesef<ele heeslmeenve hewkespe kes Debleie&le met#ce, ueIeg, ceOece GeceeW, Dee@es, DeeJeeme #es$eeW
kees $eCe heJeen keer Yeer efveiejeveer kej jne nw.
8.21 DeieCeer yeQke eespevee
yeQke osMe kes 13 efpeueeW ceW DeieCeer yeQke keer Yetefcekee efveYee jne nw efpeveceW mes 7 efpeues
iegpejele ceW, 5 efpeues eermeie{ ceW leLee oes mebIe Meeefmele heosMe oeoje SJeb veiej nJesueer
leLee oceCe SJeb oerJe Meeefceue nQ.
8.22
9.1 ieebJeeW
Jeeef<e&ke efjHees&
2011 - 2012 | 28
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
9.2 meeos Keeles SHe.DeeF& ieebJeeW ceW ceee& 2012 leke efveOee&efjle ue#e .2.62 ueeKe
KeeleeW keer leguevee ceW kegue 2.74 ueeKe meeos Keeles Keesues ieS nQ. leLeeefhe, meceie he ceW
yeQke ceW ceee& 2012 kees 12.60 meeos Keeles Keesues iees nQ.
9.3
meeos KeeleeW ceW Deblee|veefnle Dees.[er.megeJf eOee 2.62 ueeKe KeeleeW kes ue#e keer
leguevee ceW ceee& 2012 leke SHe.DeeF& ieebJeeW ceW meYeer meeos KeeleeW DeLee&led 2.74 ueeKe meeos
KeeleeW kees Deblee|veefnle Dees.[er.megeJf eOee heoeve keer ieF& nw. leLeeefhe , meceie he ceW yeQke eje
meeos KeeleeW kees heoeve keer ieF& Deblee|veefnle Dees[er megeJf eOee keer mebKee 5.53 ueeKe nw.
9.4 osvee efkemeeve esef[ kee[& Deewj osvee pevejue esef[ kee[& Yeer efJeeere meceeJesMeve
eespevee kes Debleie&le peejer efkeS ieS nQ. .
9.5 Jeefeiele yeer.meer kees heefMe#eCe meYeer Jeefeiele yeer.meer kees heefMe#eCe heoeve efkeee
ieee nw. leLeeefhe, yeQke heefMe#eCe nsleg heneeve efkeS ieS DeefOekeeefjeeW kes ceeOece mes
efvejblej DeeOeej hej yeer.meer kees heefMe#eCe heoeve kejsiee.
9.6 #es$eere ieeceerCe yeQkeeW (Deej.Deej.yeer.) kes efueS SHe.DeeF&.heer
osvee yeQke ves iegpejele jepe ceW osvee iegpejele ieeceerCe yeQke ([er peer peer yeer) leLee
eermeie{ jepe ceW ogie& jepeveeboieebJe ieeceerCe yeQke ([er Deej peer yeer) veeceke oes Deej.
Deej.yeer. kee heeeespeve efkeee nw.
[er.peer.peer.yeer. kees 245 ieebJe leLee [er.Deej.peer.yeer. kees 26 ieebJe Deeyebefle efkees iees
nQ. kegue efceueekej, oesveeW Deej.Deej.yeer. kees 2000 mes DeefOeke pevemebKee kes 271 ieebJe
Deeyebefle efkees iees nQ.
oesveeW #es$eere ieeceerCe yeQkeeW ves ceee& 2012 leke Gvekees Deeyebefle meYeer ieebJe Ge
eespevee ceW Meeefceue kej efueS nQ.
9.7 iegpejele jepe kes efueS efJeeere meceeJesMeve eespevee
yeQkeeW kees 2000 mes DeefOeke pevemebKee kes kegue 3502 ieebJe Deeyebefle efkees iees Les Deewj
ceee& 2012 leke meYeer ieebJe Meeefceue efkeS ieS nQ.
yeQkeeW ves efyeke Deewj cee&j MeeKee cee@[ue eje 101 ieebJe, met#ce ueIeg MeeKee eje 673
ieebJe, ceesyeeFue Jesve eje 16 ieebJe Deewj yeer.meer cee@[ue eje 2712 ieebJe Meeefceue efkeS nQ.
iegpejele jepe ceW osvee yeQke kees Deeyebefle meYeer 493 ieebJe Meeefceue efkeS ieS nQ. meYeer
yeQkeeW ves efJeeere meceeJesMeve eespevee kes Debleie&le 9.99 ueeKe Keeles Keesues nQ .( osvee yeQke
ves 1.67 ueeKe Keeles Keesues nQ.)
9.8 oeoje Deewj veiej nJesueer mebIe Meeefmele #es$e kes efueS efJeeere meceeJesMeve
eespevee
yeQkeeW kees 2000 mes DeefOeke pevemebKee kes kegue 30 ieebJe Deeyebefle efkees iees Les.
yeQkeeW ves 30 ieebJe Meeefceue kej efueS nQ efpemeceW mes 4 ieebJe efyeke SJeb cee&j MeeKee cee@
[ue eje, 3 met#ce ueIeg MeeKee cee@[ue eje Deewj 23 ieebJe yeermeer cee@[ue eje Meeefceue
efkeS ieS.
osvee yeQke ves SHe.DeeF&.heer. ceW hemleeefJele kes Devegmeej meYeer 9 ieebJe Meeefceue kej efueS
nQ. yeQkees ves oeoje Deewj veiej nJesueer mebIe Meeefmele #es$e ceW 0.31 ueeKe Keeles Keesues nQ.
9.9 oceCe Deewj oerJe kes mebIe Meeefmele #es$e kes efueS efJeeere meceeJesMeve eespevee :
yeQkeeW kees 2000 mes DeefOeke pevemebKee kes kegue 6 ieebJe Deeyebefle efkees iees Les.
yeQkeeW ves meYeer 6 ieebJe yeer.meer. cee@[ue eje Meeefceue kej efueS nQ. osvee yeQke ves SHe.DeeF&.
heer. ceW hemleeefJele kes Devegmeej 3 ieebJe Meeefceue kej efueS nQ.
yeQkeeW ves oceCe SJeb oerJe kes mebIe Meeefmele #es$e ceW 0.05 ueeKe Keeles Keesues nQ.
10. ueIeg SJeb ceOece Gece #es$e kees Deefiece
yeQke kes meeKe efveJesMe kees ye{eves kes efueS Sce.Sme.Sce.F&. #es$e kees Ske efJekeeme eb$e kes
he ceW efJeefvee|o efkeee ieee nw. SceSmeSceF& $eCe hemleeJeeW hej MeerIe keej&JeeF& kes efueS
Mes<e 04 keseW ceW Yeer keserke=le mebmeeOeve keseW (meerheermeer) keer mLeehevee keer ieF& nw, Fme
hekeej meYeer 21 #es$eere keeee&uee FmeceW Meeefceue nes ieS nQ. efJeefJeOe mebYeeefJele keseW hej
efveeefcele DeeOeej hej Sce.Sme.Sce.F&. meeKe efMeefJejeW kee Deeeespeve efkeee ieee.
9.4 Dena Kisan Credit Cards and Dena General Credit Cards are
also issued under Financial Inclusion Plan.
9.5 Training to Individual BCs:
Training has been provided to all individual BCs. However, Bank
shall provide training to BCs on continuous basis through pool of
officers identified for training.
9.6 FIP for Regional Rural Banks(RRBs):
Dena Bank has sponsored two RRBs namely Dena Gujarat Gramin
Bank (DGGB) in the State of Gujarat and Durg Rajnandgaon
Gramin Bank (DRGB) in the State of Chhattisgarh.
DGGB has been allocated 245 villages and DRGB has been
allocated 26 villages. In all, both the RRBs have been allocated 271
villages having population above 2000.
Both the RRBs have covered all the villages allotted to it by March
2012.
9.7 FIP for the State of Gujarat:
A total of 3502 villages having population above 2000 were allotted
to Banks and all have been covered by Banks by March 2012.
Banks have covered 101 villages through Brick & Mortar Branch
Model, 673 villages through Ultra Small Branch Model, 16 villages
through Mobile Van model and 2712 villages through BC model.
Dena Bank has covered all 493 villages allotted to it in the State of
Gujarat. All Banks have opened 9.99 lakh accounts under Financial
Inclusion. (Dena Bank has opened 1.67 lakhs accounts.
9.8 FIP for the Union Territory of Dadra & Nagar Haveli:
30 villages having population above 2000 were allotted to
Banks.
Banks have covered all 30 villages, out of which 4 through Brick &
Mortar Branch model, 3 through Ultra Small Branch Model and 23
through BC model.
Dena Bank has covered all the 9 villages as proposed in FIP. Banks
have opened 0.31 lakhs accounts in the Union Territory of Dadra
& Nagar Haveli.
9.9 FIP for the Union Territory of Daman & Diu :
6 villages having population above 2000 were allotted to Banks.
Banks have covered all 6 villages, all through BC model. Dena
Bank has covered 3 villages as proposed in FIP.
Banks have opened 0.05 lakhs accounts in the Union Territory of
Daman & Diu.
10. Advances to MSME Sector
MSME sector has been identified as one of the growth engines
for increasing credit portfolio of the Bank. Central Processing Cells
were established at the remaining 4 centres, thus covering all the
21 Regional offices for speedy disposal of MSME loan proposals.
MSME credit camps were organized at various potential centres on
regular basis.
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
efceMeve 111 efoveeW kes lenle efoveebke 01 veJebyej, 2011 mes efJeMes<e Sce.Sme.Sce.F&.
DeefYeeeve eueeee ieee SJeced Gmekeer heieefle keer heeef#eke DeeOeej hej efveiejeveer keer ieF&.
DeefYeeeve kes oewjeve yeQke ves 31.3.2012 leke 5637 GOeejkelee&DeeW kees `1695.09
kejes[ keer jkece kes $eCe mJeerke=le efkeS.
SceSmeSceF& GOeejkelee&DeeW kes efueS yeepe oj ceW cenlJehetCe& keceer keer ieF& Deewj Deye en
[er esCeer leke kes GOeejkelee&DeeW keer esef[ jseEie kes Devegmeej 12% mes 14.75%
leke keer meercee ceW nQ.
yeQke ves Sce.Sme.Sce.F&. #es$e kes lenle efleHeefnee JeenveeW kes efJeeereve kes efueS er.Jeer.Sme.
ceesj leLee yepeepe ceesj leLee JeeefCeeqpeke JeenveeW kes efJeeereve kes efueS ee ceesme&
kes meeLe ieyebOeve JeJemLee keer nw.
$eCe hemleeJeeW hej keej&JeeF& kejves kes efueS DeefOekeeefjeeW keer #ecelee ceW megOeej nsleg
efveeefcele heefMe#eCe keee&ece Deeeesefpele efkeS ieS.
Fve GheeeeW kes heefjCeecemJehe SceSmeSceF& $eCeeW ceW 22.22% keer Je=ef ngF&. meceie he
ceW ueIeg SJeb ceOece GeceeW kees Deefiece 31.3.2011 kes ` 6783.72 kejes[ mes ye{kej
31.3.2012 kees ` 8291.13 kejes[ leke hengBe ieS.
met#ce GeceeW kees DeefieceeW ceW 28.56% keer Je=ef kes meeLe 31.3.2011 kees ` 3214.26
kejes[ mes ye{kej 31.3.2012 kees ` 4132.33 kejes[ nes ieS. met#ce SJeb ueIeg Gece
#es$e kees DeefieceeW ceW 21.02% Je=ef kes meeLe 31.3.2011 kees ` 6194.05 kejes[ mes
ye{kej 31.3.2012 kees ` 7495.83 kejes[ nes ieS. ceee& 2012 leke met#ce SJeb ueIeg
Gece DeefieceeW ceW met#ce DeefieceeW kees efoS ieS Deefece 55.13% nQ. met#ce GeceeW ceW KeeleeW
keer mebKee ceee&, 2011 kes 100503 mes ye{kej ceee&, 2012 kees 114375 nes ieF&
pees 13.80% keer Je=ef oMee&leer nw.
meer.peer.er.Sce.Sme.F&. kes lenle hee$e $eCe KeeleeW kees Meeefceue kejves kes efueS efJeMes<e
Oeeve efoee ieee, efpemekes heefjCeecemJehe GOeejkelee&DeeW keer mebKee ceee& 2011 kes
4550 mes ye{kej ceee&, 2012 kees 6875 nes ieF&.(49.12% keer Je=ef) leLee jkece
Yeer ceee&, 2011 kes ` 235.66 kejes[ mes ye{kej ceee&, 2012 ceW ` 367.63 kejes[
nes ieF& (56% keer Je=ef).
11. efjsue meeKe
yeQke kes meeKe mebefJeYeeie ceW Je=ef kes efueS efjsue $eCeeW keer Ske cenJehetCe& Yeeie kes
he ceW heneeve keer ieF& nw. yeQke keer 11 efjsue yeQeEkeie eespeveeSb nQ pees efke ieenkeeW
keer DeeJeMekeleeDeeW kees hetjer kej jner nQ. eespeveeDeeW ceW yeepeej heefjMe, ieenkeeW
keer DeeJeMekeleeDeeW leLee MeeKee mlej hej keee& kejves Jeeues DeefOekeeefjeeW mes heehle
meteveeDeeW kes Devegmeej mecee - mecee hej mebMeesOeve efkeee peelee nw. efjsue yeQeEkeie
eespeveeDeeW kee heeej kejves kes efueS ienve heeeme efkeS ieS.
DeeJeeme $eCeeW kees ye{ees peeves hej peesj osles ngS yeQke ves 909 DeeJeemeere heefjeespeveeDeeW
/ efyeu[jeW kee Devegceesove efkeee nw. Jen DeeJeeme $eCe kes Debleie&le DeeeqmleeeW keer iegCeJeee
Yeer megefveeqele kejsiee.
efJee Je<e& kes oewjeve hele#e efjsue $eCeeW keer yekeeee jeefMeeeW ceW 21.48% keer Je=ef
ngF& Deewj Fmekes HeuemJehe efjsue $eCe ` 964.37 kejes[ keer Je=ef kes meeLe `
5453.25 kejes[ leke hengBe ieS. kegue efjsue $eCe ceee& 2011 kees ` 6135.59
kejes[ mes ye{kej ceee& 2012 kees ` 7282.50 kejes[ leke hengBe ieS pees efke `
1146.91 kejes[ (18.69%) keer Je=ef oMee&les nQ.
11.2 efjsue Deeeqmle MeeKeeSb.
yeQke kes efjsue $eCe mebefJeYeeie kees ye{eves kes efueS GheueyOe mebYeeJeveeDeeW kee ueeYe Geves
leLee yesnlej iegCeJeee, meceevelee SJeb cetueebkeve Deewj mJeerke=efle keer ieefle megefveeqele kejves
kes efueS, yeQke keer nwojeyeeo, yeWieueg, esVew, ueKeveT, hegCes, metjle, Yeesheeue Deewj
Yeeb[ghe (cegbyeF&), pes.Jeer.heer.[er. cegbyeF&, Denceoeyeeo, keesuekeelee leLee veF& efouueer ceW 12
efjsue Deeeqmle MeeKeeSb keee&jle nQ. efjsue Deeeqmle MeeKeeSb efjsue DeefieceeW mes mebyebefOele
meYeer keee& kejWieer Deewj en megefveeqele kejWieer keer efjsue keejesyeej ceW cee$eelceke Deewj
iegCeelceke Je=ef nes Deewj MeeKeeDeeW kes keeeeX Deewj heeemeeW ceW yenguelee ve nes. Fmekes
DeueeJee, Deeeqmle iegCeJeee kees yeveees jKeves kes efueS #es$eere heyebOekeeW kees en DeefOekeej
efoee ieee nw efke Jes Deej.S.yeer. kes ceW, Gvekees pees Yeer Gefele ueies, eeefvele MeeKeeDeeW
kees Gme kes kes Deej.S.yeer. kes meeLe eEueke kej mekeles nQ. Fme hekeej eEueke keer ieF&
Jeeef<e&ke efjHees&
2011 - 2012 | 30
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
MeeKee Deej.S.yeer.mes heLece efJelejCe efkees peeves leke, Deeies jnkej meYeer keee& kejsieer
Deewj Gmekes yeeo Jen MeeKee ner yeeo kes meYeer keee& kejsieer.
RAB at that centre. Such linked branch will generate lead and all
the functions till first disbursement shall be carried out by RAB and
thereafter by the lead generating branch.
11.3
The Bank further refined its various retail schemes like Dena Niwas
Housing Finance, Dena Vidyalaxmi Education Loan, Dena Trade
Finance Schemes so as to make these schemes more customer
friendly.
11.4 Introduction of new schemes:
To enable our field functionaries to get one more retail product
and encash the available business potential, a new retail product
namely Dena Gold Loan has been introduced and operationalized
through designated branches.
11.5 Housing Finance:
Fresh disbursements to the tune of `1374.87 Crore were made
during the year towards housing loan, enabling net increase
in outstanding credit from `4015.98 crore as of March 2011 to
`4730.31 Crore as of March 2012, registering a growth of 17.79%.
11.6 Mortgage Loan:
The outstanding under Mortgage Loan Scheme, increased from
`493.18 Crore. to `743.24 Crore as at the end of the year i.e. an
increase of `250.06 Crore (50.70%).
11.7 Education Loan:
Fresh disbursements to the tune of ` 29.39 Crore were made
during the year towards education loan. There is net increase in
outstanding credit from ` 316.03 Crore to ` 327.09 Crore as at the
end of the year i.e. an increase of `11.05 Crore (3.50%).
11.8 Trade Finance Scheme:
Outstanding under the Trade Finance Scheme, increased from
`461.46 Crore to ` 592.99 Crore as at the end of the year i.e. an
increase of ` 131.53 Crore (28.50%).
12. Investment
Aggregate gross domestic investments of the Bank grew by
23.05% to reach ` 23,207.80 crores as on 31.03.2012 from the level
of `18,860.22 crores as on 31.03.2011.
The SLR securities have increased from ` 15,304.91 crores
to `19,504.71 crores i.e. an increase of 27.44% in line with the
increase in DTL. The DTL has increased from ` 62,897 crores to
`74,992.47 crores.
jepekees<e heefjeeueve mes Deee 31 ceee& 2011 kes ` 1246 kejes[ mes ye{kej Je<e&
2012 kes efueS ` 1635.56 kejes[ nes iees pees efke Je<e& oj Je<e& DeeOeej hej 31.26%
keer Je=ef oMee&leer nw. yeQke keer efveJesMe veerefleeeW leLee mebYeeefJele peesefKeceeW kes Devegmeej
efveJesMe efJeefYeVe heefjhekeJeleeDeeW ceW jKes ieS nQ.
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
yeepe Deee ceW Je=ef kes keejCe efveJesMe ceW Deewmele heefleHeue Je<e& 31.03.2011 kees
meceehle Je<e& kes efueS 7.06% mes ye{kej 31.03.2012 kees meceehle Je<e& kes efueS
7.39% nes ieee nw.
13. Debleje&^ere heefjeeueve
13.1 yeQke kee Debleje&^ere yeQeEkeie keejesyeej :
yeQke ves efveee&lekeeW kees meneelee osves hej Oeeve keWefle jKee efpememes Je<e& kes oewjeve efveee&le
f ngF& Deewj Jen ye{kej .2246 kejes[ nes ieS.
$eCe ceW 45.55% keer cenlJehetCe& Je=e
yeQke ves ieenkeeW kees efJeefYeVe hekeej kes Jeeheej efJee Glheeo heoeve kejvee peejer
jKee. ieenkeeW kees Gvekes keejesyeej heCeeJele& keer DeeJeefOeke meceer#ee kes DeeOeej hej
heeflemheOee&lceke efJeefvecee ojW oer peeleer nQ. yeQke efveee&lekeeW keer DeeJeMekeleeDeeW kees hetje
kejves kes efueS hetJe& SJeb heesleueoeveesej $eCe kes efueS hees ceW leLee efJeosMeer cege ceW $eCe
GheueyOe kejelee nw.
yeQke ves efJeMes<e%e kes he ceW Heesjskeme DeefOekeeefjeeW keer Yeleea keer nw Deewj efveee&lekeeW /
DeeeelekeeW kees lJeefjle heYeeJeer ieenke mesJeeSB heoeve kejves kes efueS GvnW ^spejer leLee
S.[er. MeeKeeDeeW ceW lewveele efkeee ieee nw.
yeQke kee ceeX efJeosMeer cege kegue keejesyeej efJeeere Je<e& 2011-12 kes oewjeve 30.44%
keer Je=ef ope& kejles ngS ` 30200 kejes[ heej kej ieee.
yeQke ves Dehevee Oeeve DeefveJeemeer keejesyeej hej jKee. Je<e& kes oewjeve DeefveJeemeer pecee jeefMe
25.02% keer Je=ef kes meeLe ` 1846 kejes[ nes ieF&. DeefveJeemeer peceejeefMe hej yeepe
ojeW ceW DeefJeefveeceve mes yeQke kees Deheves DeefveJeemeer pecee mebefJeYeeie kees ye{eves ceW cenlJehetCe&
ceoo efceueer. yeQke Fme kewueW[j Je<e& ceW efJeosMeer cege mes mebyebefOele efJeefYeVe GlheeoeW kees
heejbYe kej jne nw. yeQke ves oes Deewj heeefOeke=le [eruej (S[er) MeeKeeDeeW kees Meeefceue efkeee
nw. Fme hekeej ^spejer MeeKee meefnle S.[er. MeeKeeDeeW keer kegue mebKee 41 nes ieF& nw, pees
Deblej yeQke leLee cege yeepeej heefjeeueve ceW uesveosve kejleer nQ.
yeQke ves Je<e& kes oewjeve meesves kes efmekekeeW keer Kegoje efyeeer heejbYe kejves kee Yeer efveCe&e efueee
nw. efJeosMe ceW MeeKee / heelf eefveefOe keeee&uee Keesueves kes efueS Yeer keej&JeeF& heejbYe nes ieF& nw.
The bank maintains its focus on NRI business. NRI deposit grew by
25.02% to Rs 1846 crores during the year. Deregulation of interest
rates on NRE deposit has helped the bank increase its NRI deposit
portfolio substantially. The bank is looking forward to launch a
variety of forex related products in this calendar year. The bank
added two more authorized dealer (AD) branches taking the total
AD branches to 41 including Treasury Branch which deals in inter
bank and money market operations.
14.
Bank has decided to introduce retail sale of gold coins during the
year. Process has been initiated for opening branch/ representative
office abroad
yeQke ves meeceeve he mes yeQeEkeie Geesie eje DevegYeJe efkees iees DeYetlehetJe& eqmuehespe
kes cesvepej Je<e& 2011-12 kes oewjeve Deeeqmle iegCeJeee leLee Sve.heer.S.heyebOeve ceW
heMebmeveere efve<heeove efkeee. Sve.heer.S.heyebOeve ceW yeQke kes efve<heeove , neue ner ceW Sve heer S
ngS KeeleeW kes GVeeve Deewj vekeo Jemetueer kee meerOee heleerke nw. mejHeeemeer DeefOeefveece
kes Debleie&le mecePeewlee hemleeJeeW kes ceeOece mes vekeo Jemetueer ceW megOeej ngDee Deewj keeHeer
cee$ee ceW KeeleeW kee GVeeve ngDee. Sve heer S kees kece kejves kes efueS yeQke eje Gees
iees meefee GheeeeW mes en megefveeqele efkeee ieee nw efke Sve.heer.S.kee mlej eLeemebYeJe
vetvelece jns.
efheues [s{ oMeke ceW Fme Je<e& kes oewjeve 1.67 kee vetvelece mekeue Sve.heer.S. kes
heefleMele kee ue#e heehle efkeee nw. mekeue SveheerS 31 ceee&, 2011 kes ` 842.24
kejes[ mes ` 114.26 kejes[ ye{kej 31 ceee& 2012 kees ` 956.50 kejes[ nes ieee.
yeQke kee mekeue Sve heer S Devegheele 31.03.2011 kes 1.86% mes Iekej 31.3.2012
kees 1.67% nes ieee nw.
Bank has achieved the lowest gross NPA % of 1.67 during this year
in the last one and half decades. The gross NPA, in absolute terms,
increased by ` 114.26 crore from ` 842.24 crore as on 31st March
2011 to ` 956.50 crore as on 31st March 2012. Gross NPA ratio of
the bank reduced to 1.67% as on 31.03.2012 from 1.86% as on
31.03.2011.
yeQke kee efveJeue SveheerS 31. 3. 2012 kees 1.01% Lee peye efke 31. 3 .2011 kees Jen
1.22% Lee. meceie he ceW efveJeue Sve heer S .22.78 kejes[ ye{kej 31 ceee&, 2011
kes ` 548.95 kejes[ kes mlej mes 31 ceee& 2012 kees ` 571.73 kejes[ nes ieee.
Jeeef<e&ke efjHees&
2011 - 2012 | 32
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
(` kejes[ ceW) (` In Crore )
ceee& March 2011
45163.37
57159.20
842.24
956.50
1.86%
1.67%
44833.21
56606.93
548.95
571.73
1.22%
1.01%
74.62%
75.53%
heeJeOeeve keJejspe Devegheele (efJeJeskehetCe& yes Keeles [eueer ieF& jeefMe meefnle) 75.53%
jne DeLee&led 70% keer efJeefveeeceke DeeJeMekelee mes DeefOeke nw.
Je<e& kes oewjeve, mecePeewlee efveheeje eje Sve heer S keer Jemetueer hej efJeMes<e Oeeve efoee
ieee. yes Keeles [eues iees KeeleeW ceW Jemetueer kes efueS efJeMes<e Jemetueer DeefYeeeve peejer jKes
ieS. #es$eere keeee&ueeeW Deewj hecegKe keseW ceW Jemetueer keQhe Deewj ueeske DeoeueleW efveeefcele
Deblejeue hej Deeeesefpele keer ieeeR. uebefyele ceeceueeW hej keee&Jeener kes efueS Deewj lJeefjle
Jemetueer kes efueS S[Jeeskes kes meeLe mecevJee kes efueS heleske [er.Deej.er. ceW vees[ue
DeefOekeejer veeefcele efkeS ieS.
vekeo Jemetueer 2011 - 12 ceW ` 222.56 kejes[ jner Deewj KeeleeW ceW GVeeve `
191.47 kejes[ ngS. yeQke ves yes Keeles efueKes iees KeeleeW ceW ` 81.93 (yeepe meefnle)
kejes[ keer Jemetueer keer nw. .
yeQke ves Je<e& kes oewjeve efJeefYeVe #es$eeW ceW 1461 Jemetueer efMeefJejeW kee Deeeespeve efkeee
efpeveceW 16940 GOeejkelee&DeeW ves Yeeie efueee. Je<e& kes oewjeve Fve Jemetueer efMeefJejeW kes
ceeOece mes ` 32.46 kejes[ kes 2785 KeeleeW kee efveheeje efkeee ieee SJeb ` 21.33
kejes[ kes 864 KeeleeW kee GVeeve efkeee ieee. Fve Jemetueer efMeefJejeW ceW ` 11.34 keer
lelkeeue Jemetueer keer ieF&.
ceee& 2012 kees meceehle Je<e& kes oewjeve yeQke keer Ske yeejieer mecePeewlee efveheeve eespevee
kes Debleie&le mecePeewlee efveheeve kes efueS ` 68.96 kejes[ keer mecePeewlee jeefMe kes kegue
3605 KeeleeW hej efJeeej efkeee ieee, efpeveceW Je<e& 2011 kees meceehle Je<e& kes oewjeve
.109.88 kejes[ keer vekeo Jemetueer keer leguevee ceW mecePeewlee jkece .93.13 kejes[
kes meeLe 4145 KeeleeW kes .37.49 kejes[ keer Jemetueer keer ieF&.
15. efJeefOeke mesJeeSb / metevee DeefOekeej DeefOeefveece
15.1 yeQkeeW / efJeeere mebmLeeDeeW Deewj Deeeqmle hegvee|vecee&Ce kebheefveeeW kees
SveheerS kee efJeee
Yeejleere efjpeJe& yeQke eje efoveebke 23.04.2003 leLee 13.07.2005 kees peejer efkeS
ieS efoMeeefveosMeeW kes DevegmejCe ceW, yeQke ves Je<e& 2011-12 kes oewjeve 8 Sve heer S Keeles
vekeoer DeeOeej hej ` 14.13 kejes[ kes efueS Deeeqmle hegvee|vecee&Ce kebheveer kees yeses nQ.
15.2 mejHeeFmeer DeefOeefveece, 2002 kes DeOeerve Jemetueer :
efJeeere Deeeqmle heefleYeteflekejCe Deewj hegveie&ve SJeb heefleYetefle efnle heJele&ve, 2002
(mejHeeemeer) DeefOeefveece kes Debleie&le Sve heer S KeeleeW ceW Jemetueer kes efueS yeQke ves `
350.42 kejes[ keer jeefMe Jeeues hee$e KeeleeW ceW 1006 veesefme peejer efkees. Je<e& 201112 kes oewjeve yeQke 1971 KeeleeW (FveceW Jes Keeles Yeer Meeefceue nQ, efpeveceW veesefme efheues
Je<e& peejer efkees iees Les) ceW ` 36.20 kejes[ keer jeefMe Jemetue kejves ceW meHeue jne.
15.3 ueeske Deoeuele kes ceeOece mes Jemetueer :
efJeefOeke mesJeeSb heeefOekeejer DeefOeefveece kes Debleie&le ieefle ueeske Deoeuele kes ceeOece
mes efJeJeeoeW kes MeerIe meceeOeeve Deewj Deheves etkekelee&DeeW mes Jemetueer kejves kes efueS yeQke
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
DeefOekelece ueeske DeoeueleeW keer JeJemLee kejves kes efueS heeeme kejlee nw efpemeceW cegkeee
hetJe& SJeb cegkeee kes yeeo DeLee&led Jeeo oeej SJeb iewj Jeeo oeej KeeleeW kees efveheeve nsleg
jKee pee mekes. Je<e& 2011 -12 kes oewjeve yeQke ves (efheues Je<eeX ceW efveheeS ieS ceeceues
Yeer Meeefceue) 3282 KeeleeW ceW ` 2.85 kejes[ Jemetue efkeS.
15.4 $eCe Jemetueer DeefOekejCe / efmeefJeue veeeeuee ceW oeej JeeoeW kes ceeOece
mes Jemetueer:
31.03.2012 kees nceejs yeQke ceW ` 1541.78 kejes[ keer jeefMe kes 2367 oeJee oeej
Keeles efJeefYeVe $eCe Jemetueer DeefOekejCeeW/ efmeefJeue veeeeueeeW ceW uebefyele nQ leLee `
945.93 kejes[ jeefMe kes 1885 ef[eerke=le Keeles efJeefYeVe $eCe Jemetueer DeefOekejCeeW/
efmeefJeue veeeeueeeW ceW uebefyele nQ. yeQke ves Gheeg&e oeJee oeej SJeb ef[eerke=le KeeleeW ceW
Je<e& kes oewjeve .39.88 kejes[ keer jeefMe Jemetue keer.
15.5 Deeweesefieke Deewj efJeeere hegvee|vecee&Ce yees[& ceeceues (yeerDeeF&SHeDeej):
efveosMeke ceb[ue eje Devegceesefole Jemetueer veerefle kes Devegmeej, yeerDeeF&SHeDeej ceeceueeW kee
mecevJee kejves kes efueS veF& efouueer keeee&uee ceW Ske vees[ue DeefOekeejer keer heneeve
keer ieF& nw. Je<e& kes oewjeve, mecePeewles / yeerDeeF&SHeDeej eje meboYe& j efkeS peeves/ S
Deej meer kees mebheefe yeses peeves kes keejCe 5 ceeceueeW kees ne efoee ieee nw. yeQke ves `
10.25 kejes[ keer jkece Jemetue keer. Je<e& kes oewjeve ` 12.71 kejes[ keer jeefMe kee 1
veee ceeceuee / meboYe& pees[e ieee. Je<e& kes Deble ceW yeerDeeF&SHeDeej / SSDeeF&SHeDeej kes
mece#e `223.10 kejes[ kes 24 ceeceues uebefyele nQ.
15.6 metevee kes DeefOekeej kee DeefOeefveece :
15.6.1 metevee DeefOekeej kee DeefOeefveece 2005 kes lenle Yeejle kes veeieefjkeeW mes
heehle efveJesoveeW hej efJeeej kejves nsleg yeQke ves jepe ueeske metevee DeefOekeejer SJeb kesere
ueeske metevee DeefOekeejer kees veeefcele efkeee nw. yeQke ves jepe ueeske metevee DeefOekeejer /
keWere ueeske metevee DeefOekeejer kes efveCe&eeW kes efKeueeHe DeheerueeW kes efveheeve kes efueS
keee&heeueke efveosMeke kees Deheerue heeefOekeejer kes he ceW efveege efkeee nw. efoMeeefveoxMeeW
kes Devegheeueve ceW yeQke ves heejoe|Melee DeefOekeejer kees Yeer efveege efkeee nw.
15.6.2 Je<e& kes oewjeve yeQke kees metevee DeefOekeej DeefOeefveece kes lenle 1212 DeeJesove
heehle ngS leLee ceeveob[eW kes Devegmeej 1148 DeeJesoveeW (efheues Je<e& kes 33 DeeJesove Yeer
Meeefceue) kee efveheeve efkeee ieee. Je<e& kes oewjeve Deheerue heeefOekeejer kees 215 Deheerue
heehle ngF& efpeveceW mes ceeveob[eW kes Devegmeej 178 DeheerueeW (efheues Je<e& kes 25 Deheerue Yeer
Meeefceue) kee efveheeve efkeee ieee.
16. mejkeejer keejesyeej
mejkeej mes mebyebefOele uesveosveeW kees kejves nsleg 2006 mes heOeeve keeee&uee ceW mejkeejer
keejesyeej efJeYeeie keee&jle nw. FmeceW hele#e kej , keW mejkeej kes efueS Glheeove Meguke
SJeb mesJee kej keer Jemetueer, F& Yegieleeve SJeb Yeewefleke cees[ kes ceeOece mes efJeefYeVe jepe
mejkeejeW kes efueS JeeefCepeke kej keer Jemetueer, keW SJeb jepe mejkeej heWMeveYeesefieeeW
kees heWMeve Yegieleeve, Gve ceb$eeueeeW kes KeeleeW kee jKejKeeJe efpevekes efueS nceeje yeQke
veeefcele nw, iegpejele, ceneje^ SJeb eermeie{ jepeeW ceW keW SJeb jepe mejkeejeW kes
jepekees<e keejesyeej mebYeeuevee, keW mejkeej keer Deesj mes heer.heer.SHe, Jeefj veeieefjke
yeele eespeveeSb, Deej.yeer.DeeF& yeeC[eW / yeele yeeC[ keejesyeej mebYeeuevee, jepemLeeve,
iegpejele SJeb ceneje^ mejkeejeW kes efueS eweEkeie keejesyeej kejvee Deeefo meYeer hekeej kes
mejkeejer keejesyeej efeeekeueehe Meeefceue nQ.
both pre and post litigation i.e. suit filed and non suit filed accounts
can be placed for settlement. The Bank has recovered Rs. 2.85
Crore during 2011-12 (inclusive of recovery made in the cases
settled during previous years), in 3282 accounts.
yeQke ves efvecveefueefKele jepeeW kes efueS F& Yegieleeve keer megefJeOee keeee&eqvJele keer nw
1. ceneje^ jepe kes efueS Jes / meer.Sme.er. Deewj JeeJemeeefeke kej kes F& Yegieleeve
keer megefJeOee kee meHeueleehetJe&ke keeee&vJeeve efkeee nw.
2. ceneje^ jepe kes ieenkeeW kes efueS JeegD
& eue ^ps ejer keer heCeeueer ( efpemekes lenle 13
hekeej kes jepe mejkeej jepemJe pewmes ceesj Jeenve kej, jes[ kej, mWhe [eter
Deeefo Meeefceue efkeS peeSbies), efJekeefmele keer ieF& nw Deewj Gmes DeejbYe efkeee ieee nw.
Jeeef<e&ke efjHees&
2011 - 2012 | 34
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
3.
Gmeer hekeej mes, iegpejele jepe kes efueS 13 hekeej keer jepemJe ceoeW keer Jemetueer
kes efueS yeQke kees meeFyej ^spejer kes efueS peebe Deewj heeefOekejCe kee heceeCe he$e
heehle ngDee nw. en heCeeueer DeejbYe kejves kes efueS leweej nw.
3.
4.
Je<e& kes oewjeve yeQke kees mebyebefOele jepe mejkeejeW mes efvecveefueefKele cee[etue
efJekeefmele SJeb DeejbYe kejves kes efueS heeefOekeej heehle ngDee nw.
4.
Gej heosMe, efouueer, heeqece yebieeue, kevee&ke, DeebOe heosMe Deewj oceCe SJeb oerJe
kes mebIe Meeefmele #es$eeW kes efueS JeeefCeeqpeke kej. eerie{ ^spejer kes efueS Dee@ve
ueeFve Jemetueer Deewj Yegieleeve kes efueS heeefOekejCe Yeer heehle ngDee nw. en heCeeueer
efJekeefmele nes ieeer nw Deewj Gmekeer peebe Yeer nes ieeer nw Deewj eLeeMeerIe DeejbYe
kejves kes efueS leweej nw.
5.
mejkeejer keejesyeej mes mebyebefOele meYeer efeee keueeheeW kes efueS metevee lekeveerke
efJeYeeie kes meneesie mes ces. Skemeue Heeb ueeFve eje efJekeefmele Ske veS
mee@HeJesej keer Kejero keer ieF& nww. efmelebyej 2012 leke meYeer MeeKeeDeeW ceW Fmekee
keeee&vJeeve Dehesef#ele nw. Fmekes keeee&vJeeve mes mejkeejer keejesyeej efeee keueeHe
pewmes heer.heer.SHe, Jeefj veeieefjke yeele eespevee, kej Jemetueer, heWMeve Yegieleeve
Deeefo mejue neWies Deewj Fmekes HeuemJehe efveJeue Deee Deewj yeQke keer efJe ceW
cenlJehetCe& Je=ef nesieer.
5.
6.
yeQke kesere heWMeve mebmeeOeve kes (meer.heer.heer.meer) mLeeefhele kejves keer heef eee ceW nw.
Fmemes heWMevejeW kees yesnlej megeJf eOee GheueyOe nesieer Deewj heefjeeueve Kee& kece neWies.
6.
7.
yeQke kees ceneje^ kes efueS DeeF&.peer.Deej. hegCes mes F& efebeEkeie kes efueS Devegceesove
heehle ngDee nw Deewj Ge kee keeee&vJeeve eLeeMeerIe efkeee peeSiee.
7.
Bank has received approval for e-franking from IGR, Pune for
Maharashtra and now is in advanced stage of implementing
the same.
Ghejese meYeer efeee keueeheeW kes keeee&vJeeve mes ve kesJeue nceejs yeQke keer Deee keF&
iegCee ye{sieer yeequke Je Fmemes nceejs yeWke keer GheeqmLeefle Gve #es$eeW / YeeieeW ceW Yeer nesieer
peneb Deye leke nceejer Heneeve veneR nw ee heeefOeke=le veneR nQ. eenkeeW kees meYeer ekeej keer
megefJeOeeSb Ske ner mLeeve Hej eoeve keer peeves mes yeQke kees DeHevee eenke DeeOeej ye{eves
ceW Yeer meneelee efceuesieer.
17. yeQke yeercee
17.1 Deve he#e kes GlheeoeW keer efyeeer
yeQke cetue JeOe&ve kes he ceW Deheves ieenkeeW kees efJeefYeVe hekeej keer efJeeere mesJeeSb heoeve
kejves SJeb yeepeslej Deee kees ye{eves kes GsMe mes Deve he#e GlheeoeW eLee, yeercee SJeb
cegegDeue efveefOeeeW kes efJelejCe kes efeeekeueehe kej jne nw.
The implementation of all the above activities not only will increase
our Banks income manifold but will also enhance Banks image as
well as presence in those areas / parts of the country where up till
now we were not known / authorized. This will also help the Bank
to increase customer base by providing all facilities under one roof.
17.2 cegegDeue
yeQke ves ieenkeeW kees meeceeve yeercee Glheeo GheueyOe kejeves nsleg egveeFs[ Fbef[ee
FbmegjWme kebheveer efueefces[ kes meeLe iepees[ JeJemLee keer nw.
The Bank has also tied up with the United India Insurance Co. Ltd.
to offer the general insurance products to customers.
17. Bancassurance
17.1 Sale of Third Party Products
The Bank has taken up the activity of distribution of third party
products viz. Insurance and Mutual Funds, with a view to provide a
wide range of financial services to its customers as value addition,
as also to augment its non-interest income.
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
18.
yeQke Je<e& 1998 mes Deheves ieenkeeW kees hetbpeer yeepeej MeeKee mes ef[Hee@efpejer mesJeeSb heoeve
kej jne nw. yeQke Deye efJeefYeVe keseW ceW eqmLele 90 MeeKeeDeeW mes mesJeeSb heoeve kej jne nw.
kece&eeefjeeW ceW Fme mebyebOe ceW peeiekelee ueeves nsleg DeefOekeeefjeeW kees heefMeef#ele efkeee
ieee nw Deewj Deye Jes efJeefOeJeled heceeefCele ef[heeefpejer mesJee DeefOekeejer nQ.
yeQke ves Jele&ceeve Je<e& kes oewjeve (S.Sme.yeer.S) megefJeOee DeejbYe keer nw Deewj 131 MeeKeeDeeW
mes en mesJee heoeve kej jne nw. yeQke Deheves ieenkeeW kees S.Sme.yeer.S Deewj eEmeef[kes
S.Sme.yeer.S mesJeeSb os jne nw.
yeQke Deheves ieenkeeW kes efueS Dee@ve ueeFve ^seE[ie megefJeOee keeee&eqvJele kejves keer heefeee
ceW nw.
19.
19.1
Deee
Je<e& kes efueS yeQke keer kegue Deee 31 ceee& 2011 kees meceehle Je<e& kes efueS ` 5567.37
kejes[ kes mlej ceW ` 1808.93 kejes[ keer efveJeue Je=ef kes heefjCeecemJehe 31 ceee&
2012 kees meceehle Je<e& kes efueS 7376.30 kejes[ nes ieF& pees 32.49% keer Je=ef
oMee&leer nw.
yeQke keer yeepeiele Deee 34.98% keer Je=ef kes meeLe ` 6794.13 kejes[ jner.
yeQke keer Deee keer Je=ef ceW DeefieceeW mes heehle yeepe ceW 35.09% Je=ef cegKe keejke
jne. yeQke eje Ge Deee Jeeues $eCeeW leLee ueIeg leLee ceOece Gece SJeb efjsue leLee
ke=ef<e Deeefo hej Oeeve keWefle kejves Jeeueer jCeveerefle DeheveeS peeves kes keejCe Deewj ye[s
kee@heexjs $eCeeW kes hegvecet&ueebkeve kes keejCe en mebYeJe nes mekee. efveJesMeeW mes heehle yeepe
Deee ceW 29.48% keer Je=ef ngF&. Fmekes DeueeJee Je<e& kes oewjeve yeQke kees .50.52
kejes[ keer Deeekej jkece keer Jeehemeer hej yeepe Yeer heehle ngDee nw.
Meguke DeeOeeefjle Deee ceW Je=ef ` 102.48 kejes[ (27.31%) jner efpememes Jen ceee&
2011 kes ` 375.25 kejes[ mes ye{kej ceee& 2012 ceW .477.73 kejes[ nes ieF&.
19.2
Jee
efheues Je<e& keer leguevee ceW Je<e& kes oewjeve kegue Jee ceW 34.63% keer Je=ef ngF&.
19.3
ueeYeheolee efJeMues<eCe
iele Je<e& kes oewjeve yeQke keer efveJeue yeepeiele Deee efheues Je<e& keer ` 1763.37 kejes[
keer leguevee ceW Fme Je<e& ` 2101.00 kejes[ nes ieF& DeLee&led FmeceW 19.15% keer Je=ef
ngF&.
Je<e& kes oewjeve yeQke ves yes Keeles efueKes ieS DeefieceeW ceW JemetefueeeW hej peesj osvee peejer jKee
efpemekes HeuemJehe FmeceW ` 69.76 kejes[ keer Jemetueer ngF&.
19.4
heefjeeueveiele ueeYe
efheues Je<e& kes oewjeve heehle efkeS ieS ` 1223.79 kejes[ keer leguevee ceW yeQke kes Fme Je<e&
kee heefjeeueveiele ueeYe 24.89% ye{kej .1528.43 kejes[ nes ieee.
19.5
efveJeue ueeYe
yeepe ueeiele kees kece kejves hej yeQke kee Oeeve keWefle nesves kes meeLe, Ge DeeeJeeues
DeefieceeW ceW efveJesMe hej yeue osves kes keejCe yeQke Je<e& kes oewjeve efveJeue ueeYe ceW 31.31%
keer Je=ef ope& kejves ceW meHeue jne. yeQke kee efveJeue ueeYe efheues Je<e& kes ` 611.63
kejes[ keer leguevee ceW ` 803.14 kejes[ ngDee.
19.1 Income
Total Income of the Bank has increased from ` 5567.37 cr for the
year-ended 31st March 2011 to ` 7376.30 cr for the year ended
31st March 2012, resulting in net increase of ` 1808.93 cr, which
represents a growth of 32.49%.
Interest income of the Bank has increased by 34.98 % to record a
level of `6794.13 Crore.
Growth in interest income of the Bank was achieved mainly due to
an increase in the interest income from advances i.e. by 35.09%.
The achievement could be attributed to the strategies adopted by
the Bank by concentrating on high yielding credit viz. SME, Retail
& Agriculture, etc. and re-pricing of bulk corporate loans. Interest
income from investments showed an increase of 29.48% Besides
this Bank has also received Interest on Income Tax Refund of Rs.
50.52 crores during the year.
Fee based Income has increased by ` 102.48 crore (27.31%) from
`375.25 crore as of March 2011 to ` 477.73 crore as of March 2012.
19.2 Expenses
Total expenses has registered an increase of 34.63 % over the
previous year.
19.3 Profitability Analysis
Banks net interest income (NII) has increased by 19.15% and
stood at `2101.00 Crore as compared to `1763.37 Crore posted
during the previous year.
The Bank has continued to give thrust on recoveries in written off
advances during the year, which resulted in recovery of `69.76
Crore under this segment.
19.4 Operating Profit
Operating profit of the Bank has registered an increase of 24.89%
and stood at ` 1528.43 Crore as compared to `1223.79 Crore
posted during the previous year.
19.5 Net Profit
With the Banks focus on containing interest costs, looking for
opportunities of high yielding advances, the Bank is successful in
posting 31.31% rise in Net Profit during the year. The Net Profit of
the Bank stood at `803.14 Crore as against ` 611.63 Crore posted
during the previous year.
Jeeef<e&ke efjHees&
2011 - 2012 | 36
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
Deee, Jee leLee heeJeOeeveeW SJeb DeekeeqmcekeleeDeeW keer efheues Je<e& mes legueveelceke
eqmLeefle veeres oer ieF& nw
efJeJejCe Particulars
yeepe Deee Interest Income
iewj yeepe Deee Non Interest Income
kegue Deee Total Income
yeepe Deee Interest Expenses
heefjeeueveiele Jee Operating Expenses
kegue Jee Total Expenses
heefjeeueveiele ueeYe Operating Profit
heeJeOeeve SJeb DeekeeqmcekeleeSb Provisions & Contingencies
efveJeue ueeYe Net Profit
20.
efJeheCeve henue
Je<e& 2011 -12 kes oewjeve hesme, Fueske^e@efveke SJeb DeeG[esj ceeref[ee kes
ceeOece mes nceejs yeQke kes efJeefYeVe GlheeoeW SJeb eespeveeDeeW kee Jeeheke heeej efkeee ieee.
20.2 yeQke keer keeheexjs efJe efvecee&Ce kes efueS Je<e& kes oewjeve hecegKe meceeeej he$eeW ceW
DeefKeue Yeejleere efJe%eeheve peejer efkees iees.
20.3 erej I MenjeW ceW efJe%eeheve mlej kees keeece jKeves kes DeueeJee, erej I I SJeb
erej I I I MenjeW ceW nese\[ie SJeb iueesmeeFve hej efJe%eeheve kes ceeOece mes yeQke kee heeej
efkeee ieee.
20.4 yeQke ves Deve veJeesvces<e ceeOeceW pewmes efke cegbyeF& ceW heeqece SJeb mesv^ue ueeFveeW hej
mLeeveere ^sveeW hej hetjer ^sve yeWeE[ie, efouueer, hebpeeye, nefjeeCee, G.he. SJeb kevee&ke
Deeefo ceW Meleeyoer SJeb F&.Sce.et jsue ieeef[eeW hej heoMe&ve hewveue ueieJeeves Deeefo kee
Gheeesie efkeee.
20.5 iegpejele, efouueer SJeb jepemLeeve ceW 18 keseW kes egves ieS mesj ceW efyeie yeepeej
Deewj Heg[ yeepeej kes Jeee|<eke cesiee Mee@eEheie cesues meyemes memles 5 efove 2012 ceW Heegej
ceeref[ee Fbef[ee efueefces[ kes meneesie mes hecegKe efJe efvecee&Ce heefkeee keer ieF&. .
20.6 veeer MeeKeeSb Kegueves kes yeejs ceW Yeer meceeeejhe$e efJe%eeheve, nese\[ie leLee heeea
efJelejCe kes ceeOece mes Jeeheke heeej efkeee ieee.
20.7 Je<e& kes oewjeve yeQke ves efJeefYeVe meeceeefpeke Deewj meebmke=efleke SJeb Jeeheej cesueeW ceW
Yeeie efueee Deewj yesnlej heeej Deewj ueeYe heehle efkeee.
21. peesefKece heyebOeve
21.1 yeQke ves mebjeveeye peesefKece heyebOeve heCeeueer Deewj heYeeJeer {ebee mLeeefhele efkeee
nw, efpeme hej mecesefkele peesefKece heyebOeve keer efveosMeke meefceefle eje efveiejeveer jKeer peeleer
nw. Deeeqmle oselee (Deeukees), meeKe peesefKece heyebOeve (meerDeejScemeer) SJeb heefjeeueveiele
peesefKece heyebOeve (DeesDeejScemeer) hej heyebOeve mlejere meefceefleeeb keserke=le peesefKece
heyebOeve heCeeueer kes cegKe Debie nQ. yeQke ves heefjeeueveiele peesefKece IekeeW hej Oeeve
keWefle kejves kes efueS meYeer efveeb$eke keeee&ueeeW leLee heOeeve keeee&uee kes efJeYeeieeW ceW
peesefKece heyebOekeeW keer Yeer heneeve keer nw Deewj Gvekes efueS heefMe#eCe keer JeJemLee keer nw.
21.2 yeQke Yeejleere efjpeJe& yeQke kes efoMeeefveosMeeW, heefjeeueveiele heefjeqmLeleeeW leLee
$eCe Deewj yeepeej peesefKeceeW kees heYeeJekeejer lejerkes mes JeJeeqmLele kejves keer eq mes
peesefKece mebyebefOele Deheveer veerefleeeW kees Jeee|<eke DeeOeej hej mebMeesefOele Deewj Deeleve yevee
jne nw. yeQke keer meYeer mebkekeeueerve heefeeeDeeW nsleg keejesyeejer efvejblejlee eespeveeSb
yeveeF& ieF& nQ. yeQke ves Deheves keesj yeQeEkeie heefjeeueveeW kes efueS heefjeeueveiele Deeheoe
heyebOeve keW Yeer mLeeefhele efkeee nw Deewj Je<e& kes oewjeve Gmekee Gheeesie Yeer efkeee nw.
vepeoerkeer meeF keer heefjeeueve heefeee peejer nw.
20.1
2010-11
2011-12
5,033.53
6,794.13
533.84
582.17
5,567.37
7,376.30
3,270.16
4,693.13
1073.42
1,154.74
4,343.58
5,847.87
1,223.79
1,528.43
612.16
725.29
611.63
803.14
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
21.3
yeepeej peesefKece keer heYeeJeer efveiejeveer kes efueS yeQke kes efce[ Dee@efHeme kes
efeeekeueeheeW kees DeefOeke Jeeheke DeeOeej hej yeveeee ieee nw. Deeies, heYeeJeer efveiejeveer
kes efueS yeQke kes efce[ DeeefHeme ceW Sme.S.Sme mee@HeJesej kee keeee&vJeeve efkeee ieee nw.
21.4 yeQke ieejn Deebleefjke meeKe jseEie cee@[ueeW kee Gheeesie kej jne nw efpemeceW
efjsue DeefieceeW kes efueS 5 Deebleefjke meeKe jseEie cee@[ue Meeefceue nQ. $eCe keer cee$ee kes
Devegmeej 4 meeceeve cee@[ue ueeiet nQ Deewj cetueYetle mebjevee Deewj meeceeve heefjeespeveeDeeW
kes efueS 2 efJeefMe cee@[ue ueeiet nQ. yeQke ves efveeeceke kes efoMee efveoxMeeW kes Devegmeej,
yeQke keer mecesefkele peesefKece hejsKee leweej kejves keer heCeeueer kees peejer jKee nw efpememes
meceeqvJele peesefKece heyebOeve kejves ceW megefJeOee nesieer.
21.5 GOeejkelee&DeeW kes meeKe jseEie keer meleeheve kes efueS Ske heCeeueer ueeiet nw Deewj
Deeeqmle iegCeJeee ceW megOeej hej Oeeve keWefle kejves kes efueS meeKe efveiejeveer heCeeueer kees
Deewj yesnlej yeveeee ieee nw.
22. ceeveJe mebmeeOeve heyebOeve
22.1 Je<e& kes oewjeve, yeQke ves efJeefYeVe hecegKe #es$eeW pewmes meeKe, Heesjskeme, mee@He
eqmkeue,ke=ef<e GOeej, Sve.heer.S SJeb Jemetueer heyebOeve ceW 3954 kece&eeefjeeW kees heefMe#eCe
heoeve efkeee nw. yeQke ves veS Yeleea efkeS ieS DeefOekeeefjeeW Deewj efueefhekeeW kees heJesMe
heefMe#eCe heoeve efkeee nw.
heoesVeefle hejer#eeSb leLee heefjJeer#ee DeefOekeejer hejer#ee leLee efueefhekeere Yeleea hejer#eeDeeW ceW
yewvesJeeues Depee / Depepee GcceeroJeejeW kes efueS hejer#ee hetJe& heefMe#eCe Yeer heoeve efkeee.
Depee / Depepee GcceeroJeejeW kees 10 efove kee SJeb meeceeve GcceeroJeejeW kes efueS 4 efove
kee hejer#ee hetJe& heefMe#eCe Yeer heoeve efkeee ieee. eeefvele yewe DeefOekeeefjeeW kees ienve
meeKe heefMe#eCe heoeve kejves nsleg henue Meg keer ieF& nw.
yeQke Deheves keee&heeuekeeW SJeb DeefOekeeefjeeW kees efvehegCelee efJekeeme kes vees #es$eeW ceW
efJeefMe heefMe#eCe heoeve kejves SJeb keee&heeuekeeW SJeb DeefOekeeefjeeW kees Jeeheke keee&
oeeje heoeve kejves keer eq mes Yeejle Deewj efJeosMeeW ceW megmLeeefhele heyebOeve SJeb heefMe#eCe
mebmLeeveeW kes yeenjer heefMe#eCe mebmeeOeveeW keer efJeMes<e%elee kee Yeer Gheeesie kejlee nw. Je<e&
kes oewjeve 21 keee&heeuekeeW / DeefOekeeefjeeW kees heefMe#eCe/ meccesueve ceW Yeeie uesves nsleg
efJeosMe Yespee ieee.
22.2 yeQke kes kece&eeefjeeW keer mebKee Je<e& 31.03.2011 kees 9953 mes ye{kej efJee
Je<e& 2011-12 kes Deble ceW 10202 nes ieF& nw. kegue mebKee ceW 4501 DeefOekeejer, 3776
efueefheke Deewj 1925 DeOeervemLe kece&eejer Meeefceue nQ efpeveceW 2164 ceefnuee kece&eejer
Meeefceue nQ.. yeQke ceW Devegmetefele peeefle, Devegmetefele peve peeefle kes kece&eeefjeeW keer
mebKee efveOee&efjle mlej kes Deveghe Leer.
22.3 yeQke ves Deheves keejesyeej mlej ye{eves SJeb veeer MeeKeeSb Keesueves kes efueS keee|cekeeW
keer Deheveer DeeJeMekeleeDeeW kees hetje kejves nsleg Je<e& kes oewjeve efJeefYeVe Jesleveceeve SJeb
esefCeeeW ceW 408 DeefOekeeefjeeW (efpemeceW heefjJeer#eeOeerve DeefOekeejer Yeer Meeefceue nQ) SJeb
404 efueefhekeeW Deewj 17 DeOeervemLe kece&eeefjeeW keer Yeleea keer nw.
22.4 yeQke ves Deheves kece&eeefjeeW keer Je=ef Deewj JeeJemeeefeke heieefle kes efueS, ceee&
2012 leke heneeve keer ieF& efjefeeeW kees Yejves kes efueS efueefhekeere mebJeie& mes DeefOekeejer
mebJeie& Jesleveceeve I ceW heoesVeefle kes efueS heefeee DeejbYe keer nw. leovegmeej, 427 efueefheke
DeefOekeejer mebJeie& Jesleveceeve I ceW heoesVele ngS nQ.
22.5 Depee / Depepee / Deve efhe[s Jeie& kes kece&eeefjeeW kes efueS efMekeeele efveJeejCe
heefle
yeQke ves Depee , Depepee , Deve efhe[s Jeie& ,heer.Se/YetlehetJe& mewefveke kes efueS Deej#eCe
veerefle kes keeee&vJeeve keer osKejsKe kejves nsleg cegKe mebheke& DeefOekeejer kes he ceW
ceneheyebOeke kes mebJeie& kes keee&heeueke kees veeefcele efkeee nw. mecemeeDeeW / efMekeeeleeW
kes efveJeejCe kes efueS heOeeve keeee&uee ceW efveeefcele DeblejeueeW hej DeefKeue Yeejleere osvee
yeQke Depee / Depepee / De.efhe.Je. kece&eejer cenemebIe kes meeLe efleceener yewkeW Deeeesefpele
keer ieF& nQ.
22.6 Deeweesefieke mebyebOe
Je<e& kes oewjeve Je=ef SJeb efJekeeme kes efueS Deeweesefieke mebyebOe Devegketue jns. Deeweesefieke
mebyebOe henue kes Yeeie kes he ceW Jeefeiele kece&eeefjeeW keer efMekeeeleeW hej efJeeej kejves
nsleg yeQke ceW efMekeeele efveJeejCe heefle GheueyOe nw.
Jeeef<e&ke efjHees&
2011 - 2012 | 38
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
metevee lekeveerkeer henue
23.1 keesj yeQeEkeie meceeOeeve (meer yeer Sme) - osvee ieefjcee
23.1.1 ieenke meblegeq Deewj keejesyeej Je=ef kees ye{eves keer eq mes yeQke ves lekeveerke
kes ceeOece mes heeblejCe keer heefeee Meg keer. yeQke kes keesj yeQeEkeie heefjeeueve kes
efueS, yeQke ves Deeeesheeble meceeOeeve nsleg metevee lekeveerke mecee|Lele mesJeeDeeW kes #es$e
ceW DeieCeer mesJee heoelee ces. efJehees keer mesJeeSb ueer nQ. Fmes cesmeme& FvHeesefmeme heeweesefiekeer
efue. mes efHevewkeue mee@HeJesej kee meneesie heehle nw. keesj yeQeEkeie heCeeueer ceW mecesefkele
Kepeevee heCeeueer kes mee@HeJesej kes DeueeJee, ieenkeesvegketue mesJeeDeeW kee hegefuevoe nw pewmes
efke Fbjves yeQeEkeie, Heesve yeQeEkeie, ceesyeeF&ue yeQefkebie Deewj vekeoer heyebOeve mesJeeSb Deeefo
GheueyOe nQ. cegKele efJeefveeeceke Dehes#eeDeeW kees hetCe& kejves keer eq mes keesj yeQeEkeie
kes meeLe Deveske mebKee ceW le=leere he#e mee@HeJesej meceeOeeve mecesefkele efkeS pee jns nQ.
23.1.2 Fme heefjeespevee kee MegYeejbYe cegbyeF& ceW efoveebke 12 ceee&, 2007 kees ceeefnce
MeeKee ceW efJeeceeve heefjeeueve kee heeblejCe kejkes efkeee ieee.
23.1.3 ceee& 2012 leke meYeer 1342 MeeKeeSb Deewj yeQke kee hetje keejesyeej meeryeerSme
kes Debleie&le ueeee ieee nw. FmeceW 867 keW Deewj 28 jepe/mebIe Meeefmele #es$e
Meeefceue nQ.
23.2 Deve metevee lekeveerkeer henue
23.2.1 vesJee\keie
lekeveerkeer kes ceeOece mes heefjJele&ve keer Deesj yeQke keer henue ceW mebeej yegefveeeoer megefJeOeeDeeW
kes cenlJe kees heneeveles ngS yeQke ves osvee ves - efJeefYeVe keveseqkeefJeer ceeref[ee kee heeesie
kejles ngS, Gmemes efJemle=le #es$e vesJeke& kes ceeOece mes Deheveer meYeer MeeKeeDeeW SJeb
heMeemeefveke keeee&ueeeW kees pees[e nw. 99% mes DeefOeke Dehe eFce megefveeqele kejves nsleg
24X7 kes DeeOeej hej osvee ves keer efvejblej efveiejeveer jKeer pee jner nw.
23.2.2 SerSce mebmLeeheve
Jewefeke eJe=efle kes meeLe meeLe eueves kes efueS S.er.SceeW kee DeejbYe meyemes DeefOeke
heeefuele Deewj megefJeOeepeveke meghego&ieer ceeOece nw. efoveebke 31 ceee& 2012 leke osMe Yej
ceW kegue 543 SerSce mebmLeeefhele efkees iees nQ. FveceW mes 430 SerSce MeeKee mLeue hej
nQ peyeefke 113 SerSce MeeKee mes Deueie mLeeveeW hej eqmLele nQ. FmeceW 270 keW Meeefceue
nQ. FveceW mes 2 SerSce yeeeescesef^ke nQ pees ess ieenkeeW Deewj kece he{s efueKes ieenkeeW kees
Gvekes Debiets kes efveMeeve keer meneelee mes SerSce kee heefjeeueve kejves keer megefJeOee osles
nQ. yeeees cesef^ke S.er.Sce. ieenkeeW kees ceewefKeke he ceW Yeer efveoxMe osles nQ.
yeQke ves kewMe ^er, Jeermee, kewMeves SJeb SveSHeSme kes meeLe SerSceeW keer Yeeieeroejer
JeJemLee keer nw. en iepees[ yeQke kes ieenkeeW kees Yeejle ceW 90000 mes DeefOeke SerSce
Skemesme keWeW Deewj 4.70 ueeKe mes DeefOeke Jeeheej mebmLeeveeW (Sce F&) leLee efJeosMeeW
ceW 1 efceefueeve mes DeefOeke SerSceeW Deewj 26 efceefueeve SceF& hej uesveosve kejves keer
megefJeOee heoeve kejlee nw. [sefye/SerSce kee[& DeeOeej ueieYeie 15.48 ueeKe nw. yeQke
SeSveDeeF& ieenkeeW kees Jeermee iepees[ ege osvee Debleje&^ere ieesu[ [sefye kee[& Yeer
heoeve kejlee nw.
yeQke ceW SerSceeW kes ceeOece mes keF& cetue Jee|Oele mesJeeSb DeLee&led ceesyeeFue heerhes[ e@
heDehe leLee heesm hes[ efyeue Yegieleeve Deeefo GheueyOe kejelee nw. [sefye kee[& ieenke
Yeer Fbjves hej [sefye kee[& kes heeesie mes JemlegDeeW SJeb mesJeeDeeW keer Kejero kes efueS
Dee@veueeFve Yegieleeve Yeer kej mekeles nQ.
23.3 vesJeke& DeeOeeefjle mesJeeSb leLee heeespeveerelee
23.3.1 ieenke meblegeq nsleg Fme cetueYetle megefJeOee kees keF& ewveueeW kee he osves SJeb
Gvekes me=peve mes yeepe ojeW kee oeeje ye{eves keer eq mes yeQke ves efvecveefueefKele
vesJeke& DeeOeeefjle Glheeo Je mesJeeSb DeejbYe keer nQ
meeryeerSme heeespeveerelee,
Deve heeespeveereleeSb pewmes Deeeqmle oselee heyebOeve / yesveeceer uesve-osve keer
jeskeLeece, Dee@veueeFve leguevehe$e Deeefo,
SerSce / [sefye kee[&,
[ee DeblejCe SJeb otjJeleea meneelee,
Yee.efj.yeQ. Yegieleeve heCeeefueeeW pewmes efke DeejerpeerSme SJeb SveF&SHeer Deeefo,
keeheexjs F& cesue,
Fb^eves,
23.
23. IT Initiatives
23.1 Core Banking Solution (CBS)-DENA GARIMA
23.1.1 The Bank had embarked upon a process of transformation
through technology with a view to enhance customer satisfaction
and to leverage business growth. The Bank has engaged the
services of M/s Wipro, a leading service provider in IT enabled
services, for providing an end-to-end solution for Core Banking
Operations of the Bank. It is backed by Finacle software support
from M/s Infosys Technologies Ltd. The Core Banking system
bundles a host of customer friendly services like Internet Banking,
Phone Banking, Mobile Banking and Cash Management Services
etc. besides software system for Integrated Treasury operations. A
number of third party software solutions are also being integrated
mainly with a view to address Regulatory concerns.
23.1.2 The Project was kicked off with migration of existing
operations at banks Mahim Branch in Mumbai on 12th March 07.
23.1.3 As of March 2012, all the 1342 branches of the bank and
the entire business has been brought under CBS. This covers 867
centres and 28 states / union territories.
23.2 Other IT Initiatives
23.2.1 Networking
Recognizing the significance of communication infrastructures
in the Banks drive towards transformation through technology,
the bank has connected all its branches and administrative
offices through DENANET its Wide Area Network using various
connectivity media. DENANET is continuously being monitored
on 24X7 basis by a Network Monitoring team for ensuring more
than 99% up time.
23.2.2 ATM Installations
In keeping with the universal trend of introducing ATMs as the most
popular & convenient mode of delivery channels, a total of 543 ATMs
have been installed as on 31st March 2012 all over the country. Out
of these ATMs, 430 are Onsite and 113 are Offsite, covering more
than 270 centres. 2 of the ATMs are bio-metric to facilitate illiterate
customers operating the ATM with thumb impression which is
convenient for small customers and semi-literate farmers. The biometric ATMs also speak out instructions to the customers.
The Bank has ATM sharing arrangement through CASHTREE, VISA,
CASHNET & NFS tie-ups, enabling more than 90000 ATM access
points & more then 4.70 lacs Merchant Establishments (MEs) in
India and more than 1 million ATMs & 26 Million MEs abroad, to
Banks customers; Debit/ATM Card base is around 15.48 lacs.
The Bank also provides Dena International Gold Debit Card to HNI
customers with Visa affiliation.
The Bank has number of value added services through the ATMs
viz. Mobile Pre-paid Top-ups and Post Paid Bill Payment etc. Debit
Card customers can also make online payment for purchases of
goods and services using Debit cards on Internet
23.3 Network based Services & Applications
23.3.1 With a view to channelise this infrastructure for customer
satisfaction and maximize the ROI made in creation thereof, we have
introduced the following network based products and services:
CBS application,
Corporate E-MAIL,
Intranet,
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
IP Telephony,
Video Conferencing,
Internet Banking.
23.3.2 The Bank has launched Dena i Connect the internet
Banking Service for customers of its Branches. This enables the
customers to access their account information through Internet
in the form of (a) Balance Inquiry (b) Mini Statement (Last 9
transactions) (c) Detailed Statement of Account (d) Cheque
Book inquiry (e) Funds Transfer (Self/ Third Party) (f) RTGS/NEFT
transactions (g) Outward cheque status inquiry (h) E-payment of
Direct Taxes and Indirect Taxes (i) Online payment of Maharashtra
Sales Tax (VAT) (j) E-payment of Commercial Taxes of Dadra
& Nagar Haveli. As at the year end, 1,06,910 customers (Retail
customers 1,06,602, corporate user ids - 308) have registered for
Dena i Connect.
Our Bank has implemented Dena MConnect services - the
convenient and secure way to conduct banking transaction using
mobile handset. Customers can avail various facilities including
funds transfer. The solution is compatible with RBI guidelines on
Mobile Banking and about 3000 customers have started using the
same.
23.3.3 Bank has started Alert facility through which customers gets
SMS on occurrence of certain events transactions of Rs.5000/and all RTGS / NEFT and ATM transactions.
23.3.4 Banks Web sites
Bank has its website with netizen friendly features like Branch
Locators, Calculators, Two-click navigation system etc. The
webmaster keeps the website updated and dynamic on an ongoing
basis.
With robust IT infrastructure; the Bank is well poised to take the leap
forward to drive technology towards affording greater customer
convenience.
23.4. Cards Management
The popularity of Dena Debit Card is growing as witnessed by the
increase in card base and number of transaction carried out per day.
The Debit card base of the Bank has reached 15.48 lacs ( grown
by 24 % Y-on-Y ) and the daily transaction also has crossed 61000
mark. The convenience of the Debit Card is now well understood
by the customers, as such the issuance of Debit Card across the
counter ( Insta Card ) has also picked up . All the Visa Debit Cards
of the Bank being International Card , are acceptable on all VISA
ATMs and POS Terminals all over the world. In India it is valid on
almost all ATMs and POS Terminals through tie up arrangements
like VISA , NFS, Cashtree & Cashnet group of ATMs. Dena VISA
cards issued since last two years is also valid for Online payment
as the same is supported by verified by VISA i.e. VbV Password.
The POS and On line payments by use of Dena Debit Card have
fetched an income of `1.35 crores in the year Apr 2011 to Mar
2012, i.e. an increase of 53% over last year.
The Bank is not in the business of issuance of Credit Card after
discontinuation of Banks own credit on 31.12.2008 . The Bank
has an arrangement for issuance of co-branded Credit Cards with
SBICards wherein all the formalities for issuance, operations and
credit risk is with SBICards.
24. Customer Service
24.1 The Bank has concentrated on internalizing customer
expectations and aspirations more intensely. During the year,
the Bank has continued various measures to improve customer
satisfaction.
24.2 Redressal of Customer Grievances
The Bank is according top priority to resolve customers complaints/
grievances expeditiously. The customers of the Bank can
Jeeef<e&ke efjHees&
2011 - 2012 | 40
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
kej mekeles nQ leLee Deheves heMve/hetlee/efMekeeele eefo keesF& nes, lees kej mekeles nQ.
yeQke keer e@uecege mebKee 1800-225740 kes ceeOece mes efMekeeeleeW / megPeeJeeW kee
hebpeerkejCe efkeee pee mekelee nw.
24.3 ieenke mesJee keer keee&efJeefOe SJeb keee& efve<heeoveuesKee hejer#ee kes mebyebOe ceW
mLeeeer meefceefle
ieenke mesJee hej Ske mLeeeer meefceefle kee ieve efkeee ieee nw efpemekes hecegKe DeOe#e
SJeb heyebOe efveosMeke nQ, Gvekes DeueeJee keee&heeueke efveosMeke, cene heyebOeke (mebmeeOeve,
Deeeespevee SJeb heMeemeve, vees[ue DeefOekeejer), cene heyebOeke (met.le.), cene heyebOeke
(efJeosMeer cege SJeb Kepeevee), cene heyebOeke (meeKe) meefceefle kes meome nQ, efleceener
yewkeeW kes efueS Deueie Deueie MeeKeeDeeW mes 4 mes 5 ieenkeeW kees efJeMes<e he ceW Deecebef$ele
efkeee peelee nw, efJeeere Je<e& 2011-12 kes oewjeve Fme hekeej keer eej yewkeW Deeeesefpele
ngF.
24.4 Fmekes Deefleefje yeQke ves Ge mlej hej Yeer efveosMeke ceb[ue keer ieenke mesJee
meefceefle kee ieve efkeee nw, pees ieenke mesJee keer iegCeJeee ye{eves SJeb ieenke meblegeq
kes mlej ceW megOeej kes Gheee kes mebyebOe ceW meueen osleer nw, heleske MeeKee cetue mlej hej
ieenkeeW keer efMekeeeleeW kes efveJeejCe kes efueS cenerves ceW ieenke yewke kee Deeeespeve kejleer
nw. heleske #es$eere keeee&uee efleceener Ske yeej ieenke efceueve Deeeesefpele kejles nQ.
24.5 ieenkeeW nsleg yeQke keer heefleyelee keer Deeeej mebefnlee
Ske mJeweqke kees[, pees yeQkeeW kes efueS Jeefeiele ieenkeeW mes JeJenej kes efueS vetvelece
ceeveke efveOee&efjle kejlee nw kee DeejbYe Yeejleere efjpeJe& yeQke eje ieefle Yeejleere yeQeEkeie
kees[ SJeb ceeveke yees[& eje efkeee ieee Lee. en ieenke kees megj#ee heoeve kejlee nw Deewj
yeQke kees ieenkeeW mes owvebefove heefjeeueve kes oewjeve Dehesef#ele JeJenej keer peevekeejer oslee
nw. kees[ kes heeJeOeeve ceW efveeb$eke DevegosMeeW ceW GequueefKele mes Ge nes mekeles nQ Deewj
Ssmes ceeveke ueeiet neWies keeeWefke en kees[ kes he ceW Deehekes heefle nceejs heefleyelee kes
efueS nceejs eje mJeweqke he ceW Deheveeee ieee nw.
meJeexece JeJenej (ket Deewj ceeveke) kees heefleeEyeefyele kejves kes yeWeceeke& kes mece#e yeQkeeW
kes keee&efve<heeove kees Deebkeves kes efueS Yeejleere efjpeJe& yeQke ves yeQefkebie kees[ SJeb ceeveke
yees[& keer mLeehevee keer nw. yeQke ves ``ieenkeeW kes efueS yeQkeeW keer heefleyeleeDeeW kee kees[''
Deheveeee nw leLee Jen Fmekes Devegheeueve nsleg hetCe&le heefleye nw.
nceeje yeQke Yeejleere yeQeEkeie kees[ SJeb ceeveke yees[& kee meome nw SJeb yeQke keer Deesj mes
ceneheyebOeke kes mlej kee Ske Meer<e& keee&heeueke yeQke keer Deesj mes kees[ Devegheeueve
DeefOekeejer kes he ceW efveege efkeee ieee nw.
25. MeeKee vesJeke& SJeb efJemleej
25.1 MeeKee vesJeke&
Je<e& 2011-12 kes oewjeve, yeQke ves 51 veeer MeeKeeSb Keesueer nw, efpememes efJeefYeVe keseW ceW
kegue MeeKeeDeeW keer mebKee 1342 nes ieF& nw, GveceW mebIesefue mesefueeF MeeKee kee hetCe&
MeeKee kes he ceW GVeeve Yeer Meeefceue nw.
31 ceee& 2012 kees yeQke keer MeeKeeDeeW kee #es$eJeej efJeJejCe Fme hekeej nw
#es$e
Sector
ieeceerCe Rural
DeOe&Menjer Semi Urban
Menjer Urban
ceneveiejere Metro
kegue Total
* Deveg<ebieer MeeKeeSb Yeer Meeefceue nQ.
eeuet Je<e& kes oewjeve yeQke kee osMe kes efJeefYeVe YeeieeWs ceW 100 MeeKeeSb Keesueves kee
emleeJe nQ. yeQke ves mecePe yetPekej Ssmes keWeW kees Meeefceue efkeee nw peneb yeQke keer
GheeqmLeefle veieCe Leer ee Deye leke Jeneb yeQke MeeKee veneR Leer. es kes cegKe he mes
correspond directly, through letters, e-mails or through the website of the Bank and post their queries / grievances / suggestions,
if any. The complaints / suggestions can be registered through Toll
Free Number 1800-225740 of the Bank.
24.3 Standing Committee on Procedures & Performance Audit
of Customer Service
Standing Committee on Customer Service is headed by the
Chairperson and Managing Director. Besides Executive Director,
General Manager (Resource , Planning, Nodal Officer ), General
Manager (IT), General Manager (Forex & Treasury), General
Manager (Credit) are the members of the Committee. Four / Five
customers from different branches are invited for the quarterly
meetings. Four such meetings were organized during the Financial
year 2011-12.
24.4 In addition to above, the Bank has formed Customer Service
Committee of the Board at the apex level to advise measures for
enhancing the quality of customer service and improving the level
of customer satisfaction. Every Branch holds a customer meet in a
month for redressal of customer complaint at the grass root level.
Each Regional Office hold a customer meets once in a quarter.
24.5 Code of Banks Commitments to the Customers
A voluntary Code, which sets minimum standards of banking
practices for banks to follow when they are dealing with individual
customers was introduced by Banking Codes and Standards Board
of India constituted by RBI. It provides protection to customer and
explains how banks are expected to deal with customers for their
day-to-day operations.. Provisions of the Code may set higher
standards than what is indicated in the regulatory instructions and
such higher standards will prevail as the Code represents best
practices voluntarily agreed to by us as our commitment to you.
RBI has constituted Banking Codes and Standards Board of India
for measuring the performance of banks against a bench mark
reflecting the Best Practices (Codes & Standards). The Bank has
adopted Code of Banks Commitments to the Customers and is
fully committed to its adherence.
The Bank is a member of BCSBI and a top executive in the rank of
General Manager is appointed as the Code Compliance Officer
on behalf of the Bank.
25. Branch Network and Expansion
25.1 Branch Network
During the year 2011-12, Bank has opened 51 new branches
taking the tally to 1342 in various Regions including upgradation of
Sandheli Satellite Office in to full fledged branch .
The sector-wise breakup of the branch network of the Bank as on
31st March 2012 is as under:
264
20
260
19
No of Branches
493*
% to Total
37
325
24
1342
100
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
PeejKeb[, efyenej, heeqece yebieeue, efmeeqkekece, efnceeeue heosMe, leefceuevee[g, G[ermee SJeb
GejeKeb[ ceW eqmLele nQ. yeQke ves Ssmes #es$eeW / keseW keer Yeer heneeve keer nw peesefke Deye
leke yeQeEkeie megefJeOeeDeeW mes Jebefele Les leLee DeuhemebKeke JeieeX keer DeeyeeoerJeeues efpeues nQ.
26. efvejer#eCe SJeb Deebleefjke uesKeehejer#ee
osMe Yej ceW Hewueer ngF& yeQke keer efJeefYeVe MeeKeeDeeW kes keeeeX hej heYeeJeer efveeb$eCe SJeb
hee&Jes#eCe jKeves nsleg yeQke ceW Deebleefjke heCeeueer henues mes ner ceewpeto nw. MeeKeeDeeW, #es$eere
keeee&ueeeW leLee heOeeve keeee&uee kes efJeYeeieeW keer uesKeehejer#ee kes mebyebOe ceW Yeejleere
efjpeJe& yeQke kes efoMeeefveosMeeW kee Devegheeueve kejves nsleg efvejer#eCe efJeYeeie mecee mecee
hej Deebleefjke efvejer#ekeeW leLee yeenjer meveoer uesKeekeejeW keer HeceeX leLee meer.DeeF&.
Sme.S. / [er.DeeF&.Sme.S. Den&lee heehle metevee heyebOeve uesKeehejer#ekeeW Deeefo kes eje
efJeefJeOe hekeej keer uesKeehejer#eeSb mebeeefuele kejlee nw efpememes efveOee&efjle keee&heCeeueer
SJeb keee&efJeefOeeeW kee meKleer mes Devegheeueve megefveeqele nes Deewj $egefeeb, eefo keesF&
neW, kees mecee hej erke efkeee pee mekes. Deekeeqmceke uesKee hejer#ee kes DeueeJee, peye
Yeer pejle nes, peesefKece DeeOeeefjle Deebleefjke efvejer#eCe, meceJeleea uesKee hejer#ee,
heyebOeve uesKee hejer#ee, metevee heCeeueer uesKeehejer#ee, jepemJe uesKeehejer#ee, Deewefele
uesKeehejer#ee keer ieF&. Fve efeeekeueeheeW kes efueS Gheege omleeJespe leweej efkeS peeles
nQ Deewj en ceb[ue eje Devegceesefole veerefleeeW kes Devegmeej efkeS peeles nQ.
Yeejleere efjpeJe& yeQke kes efoMeeefveosMeeW kes Deveghe Deewj yeemesue-II kes Debleie&le Dehes#eeDeeW
kes Devegheeueve ceW yeQke ves efvejer#eCe kes efueS efoveebke 01.04.2007 mes efvejer#eCe kes efueS
peesefKece DeeOeeefjle Deebleefjke uesKeehejer#ee(DeejyeerDeeF&S) kees Deheveeee nw. MeeKeeDeeW
kee efvejer#eCe kejvesJeeues DeefOekeeefjeeW kees peesefKece DeeOeeefjle Deebleefjke uesKee hejer#ee
kejves kes efueS mecegefele heefMe#eCe efoee ieee nw. Je<e& kes oewjeve yeQke ves Deebleefjke mlej
hej heefMeef#ele efvejer#ekeeW kes meeLe-meeLe DevegYeJeer meteerye yeee uesKee hejer#ekeeW kes
ceeOece mes 773MeeKeeDeeW keer peesefKece DeeOeeefjle Deebleefjke uesKeehejer#ee keer.
heCeeueer SJeb efveeb$eCe kees Deewj cepeyetle kejves kes efueS yeQke ves efveiejeveer leb$e kees meeere
kej efoee nw. efJeefYeVe MeeKeeDeeW ceW meceJeleea uesKee hejer#ee kes ceeOece mes heOeeve keeee&uee
kes efvejer#eCe efJeYeeie eje efveiejeveer keer peeleer nw. keee& leLee keee&efJeefOeeeW kee meKleer
mes Devegheeueve efkeS peeves hej efJeMes<e Oeeve osves meefnle Devegketue eqkeesCe mes ye[er
mebKee ceW MeeKeeDeeW keer efvejer#eCe jseEie ceW megOeej ngDee nw. yeQke keer heefjeeueveiele
o#elee SJeb efJeefveeeceke cetue efveOee&jCe kees megOeejves / ceoo kejves nsleg efvejer#eCe efjheeseX
ceW yeleeF& ieF& DeefveeefceleleeDeeW ceW efvejblej meeceefeke megOeej kejles jnves kes DeeOeej hej
heYeeJeMeeueer keoce GeS ieS nQ.
efvejer#ekeeW kes %eeve / uesKeehejer#ee efvehegCelee ceW GVeeve nsleg Deebleefjke efvejer#ekeeW SJeb
meceJeleea uesKeehejer#ekeeW kes efueS heefMe#eCe me$e Deeeesefpele efkees iees. Fmekes Deefleefje,
#es$eere keeee&uee mlej hej meceJeleea uesKeehejer#ekeeW kes meeLe efleceener meceer#ee yewkeeW
keer JeJemLee keer ieF&.
yeQke ceW keesj yeQeEkeie heCeeueer kes Deeieceve SJeb meYeer MeeKeeDeeW kees Fme heCeeueer kes Deboj
efuees peeves hej, yeQke ves MeeKeeDeeW kes keejesyeej efeeekeueeheeW keer efveiejeveer kejves nsleg
hejes#e efveiejeveer heCeeueer Meg keer nw.
27. meleke&lee
yeQke kes keeheexjs keeee&uee ceW heYeeJeer meleke&lee JeJemLee nw efpemekes hecegKe cene heyebOeke
mlej kes cegKe meleke&lee DeefOekeejer nQ pees DeOe#e SJeb heyebOe efveosMeke kees efjhees& kejles
nQ. cene heyebOeke SJeb cegKe meleke&lee DeefOekeejer kees Jeefj SJeb DevegYeJeer DeefOekeeefjeeW
kes mecetn mes meneelee efceueleer nw. efJeYeeie keer Yetefcekee SJeb keee& nQ - efveeb$eCe, efveiejeveer
SJeb meleke&lee keeeeX kee hee&Jes#eCe pees efveJeejke, DevegmebOeeveelceke SJeb ob[veere heke=efle
kes nQ. efJeYeeie kes keeeeX ceW OeesKeeOeef[eeW keer efjheese\ie SJeb efveiejeveer Meeefceue nQ.
MeeKee mlej hej efveJeejke meleke&lee meefceefleeeW kee ieve efkeee ieee nw pees mecemeeDeeW
keer heneeve kejWieer leeefke MeeKee mlej hej heCeeefueeeW SJeb heefleeeW kees erke efkeee pee
mekes.heleske heefMe#eCe heeeece ceW ``vewefleke JeJenej'' hej me$e Meeefceue efkeS peeles
nQ. #es$eere meleke&lee DeefOekeeefjeeW kes efueS eleske Je<e& keee&Meeuee Deeeesefpele keer peeleer
nw, efpemeceW efveJeejke meleke&lee, Deebleefjke efveeb$eCe kees cepeyetle yeveevee, Devegheeueve
mebmke=efle ueeves, vewefleke JeeleeJejCe kee me=peve, mebmLee mes yeenj efveiejeveer Deeefo hej
Gvekees Deeleve peevekeejer oer peeleer nw. yeQke ceW ngF& eleske OeesKeeOe[er keer eefeee
Fb^eves meeF Hej eoefMe&le keer peeleer nw Deewj meome yeQkeeW kes ueeYe kes efueS Yee. yeQke
mebIe kes ceeOece mes Heefjeeefuele keer peeleer nw.
Jeeef<e&ke efjHees&
2011 - 2012 | 42
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
cene heyebOekeeW keer OeesKeeOe[er peeseKf ece heyebOeve meefceefle keee&jle nw pees keer ieF& OeesKeeOeef[eeW
kee efJeeejelceke cetueebkeve kejleer nw, heCeeueer SJeb heefle ceW efkees iees GuuebIeveeW, eefo keesF&
nes, kee hejer#eCe kejsieer SJeb OeesKeeOeef[eeW kes mebyebOe ceW jeskeLeece kes GheeeeW kes megPeeJe osieer.
yeQke ceW ye[er OeesKeeOeef[eeW hej efveiejeveer jKeves kes efueS efveosMeke ceb[ue mlej keer meefceefle
ieefle nw.
yeQke ceW meleke&lee keeeeX kee hee&Jes#eCe SJeb efveiejeveer efveosMeke ceb[ue eje keer peeleer nw
pees efveeefcele DeblejeueeW hej uebefyele DevegMeemeveelceke SJeb OeesKeeOe[er ceeceueeW keer meceer#ee
kejles nQ. DevegMeemeveelceke keej&JeeF& Meg kejves mes henues kece&eejer kes Deer veerele
SJeb yegjer veerele efveCe&e kes yeere Deblej efkeee peelee nw.
yeQke Yeejle mejkeej, kesere peebe Deeeesie SJeb Yeejleere efjpeJe& yeQke mes meleke&lee keeeeX
hej heehle DevegosMeeW / efoMeeefveoXMeeW kee Devegheeueve megefveeqele kejlee nw.
28. jepeYee<ee kee keeee&vJeeve
28.1 yeQke ves meceer#eeOeerve efJeeere Je<e& kes oewjeve jepeYee<ee efnvoer kes keeee&vJeeve kes
efueS Deheves meIeve heeeme peejer jKes. Je<e& kes oewjeve yeQke kee Oeeve Meyo mebmeeOeke, keesj
yeQeEkeie meceeOeeve SJeb F& - cesue kes ceeOece mes efnvoer kes keeee&vJeeve hej kesefle jne.
28.2 hegjmkeej :
meceer#eeOeerve Je<e& kes oewjeve Yeejleere efjpeJe& yeQke eje Je<e& 2010-11 kes efueS
Deeeesefpele ie=n heef$ekee heelf eeeseif elee'' keer efYeeef<eke esCeer ceW yeQke kees Deheveer ie=n heef$ekee
``osvee peeself e kes efueS efleere hegjmkeej heehle ngDee. yeQke keer ie=n heef$ekee osvee peeself e''
kees ``DeMeesemf eesMeve Dee@He efyepevesme kee@cegevf ekesme& Dee@He Fbe[
f ee eje Deieps eer kes Gece
DeeuesKe keer esCeer ceW yeep@ e ^eH@ eer'' eje hegjmke=le efkeee ieee. Je<e& 2010-11 kes oewjeve
ceneje^ jepe ceW eqmLele yeQke keer MeeKeeDeeW Je keeee&ueeeW ceW jepeYee<ee efnvoer kes es
keeee&vJeeve kes efueS ceneje^ jepe mlejere yeQkej meefceefle (jepeYee<ee), hegCes keer Deesj mes
Deeeesepf ele heelf eeeseif elee ceW nceejs yeQke kees efleere hegjmkeej heehle ngDee. nceejs veF& efouueer
#es$e keer Sce.DeeF&.jes[ peehegj MeeKee kees jepeYee<ee efnvoer kes keeee&vJeeve ceW Glke= keee&
kejves kes efueS ve.je.kee.me.(yeQke)peehegj mes efleere hegjmkeej heehle ngDee.
cegyb eF& keer hecegKe meeceeefpeke-meeefneqleke mebmLee DeeMeerJee&o eje nceejs yeQke kees leLee yeQke
keer ie=nheef$ekee ``osvee peeself e'' kees ``jepeYee<ee hegjmkeej'' heoeve efkeee ieee.
28.3 efnvoe heefMe#eCe :
yeQke ves Deheves keeee&ueeeW leLee MeeKeeDeeW ceW efnvoer kes heeesie kees ye{eJee osves kes GsMe
mes efJeMes<e heeMf e#eCe keee&eceeW kee Deeeespeve peejer jKee. Je<e& kes oewjeve yeQke ves jepeYee<ee
DeefOekeeefjeeW kes efueS meeceeve yeQekE eie heeMf e#eCe keee&ece leLee efnvoer meeHeJesej heeMf e#eCe
keee&ece kee Deeeespeve efkeee. heeMf e#eCe heehle jepeYee<ee DeefOekeejer efJeefYeVe keeee&ueeeW SJeb
MeeKeeDeeW ceW keee&jle DeefOekeeefjeeW SJeb meHe meomeeW kees heeMf e#eCe heoeve kejWies.
28.4 meceer#eeOeerve Je<e& kes oewjeve 87 efnvoer keee&MeeueeDeeW leLee efnvoer meeHeJesej
heefMe#eCe keee&eceeW kee Deeeespeve efkeee ieee efpeveceW 675 DeefOekeeefjeeW SJeb 513 Deve
kece&eeefjeeW kees heefMe#eCe efoee ieee. Fmekes DeueeJee, keeee&ueeerve keee& efnvoer ceW kejves
nsleg kece&eeefjeeW kees JeeJeneefjke heefMe#eCe heoeve kejves kes efueS 107 [smke heefMe#eCe
keee&eceeW kee Deeeespeve efkeee ieee.
28.5 efnvoer mee@HeJesej :
lekeveerkeer heefjJele&veeW keer ieefle yeveeS jKeles ngS, yeQke ves efJeefYeVe heMeemeefveke keeee&ueeeW
SJeb MeeKeeDeeW ceW heeesie ceW ueeS pee jns meYeer kebhetjeW ceW Deeke=efle mee@HeJesej leLee
etefvekees[ kes ceeOece mes efYeeef<eke Meyo mebmeeOeve megefJeOeeSb heoeve kejvee peejer jKee.
yeQke ves meeryeerSme MeeKeeDeeW ceW efnvoer ceeOece keer megefJeOee kes efueS Gheeesie ceW ueees pee jns
efmeh cewefpeke'' mee@HeJesej ceW keee& keer Yeer meceer#ee keer, yeQke ves ``efmeh cewefpeke''
mee@HeJesej kee mebMeesefOele Jepe&ve pegueeF&, 2011 ceW DeejbYe efkeee. Deye en mee@HeJesej
yeQke keer Fb^eves meeF hej jKee ieee nw, leeefke kece&eejer Fmes Deemeeveer mes [eGveuees[
kej mekeW. efHeveskeue mee@HeJesej ceW efveeefcele mebMeesOeveeW kees Oeeve ceW jKeles ngS, efmeh
cewefpeke mee@HeJesej ceW mebMeesOeve kee keee& Deieues Je<e& Yeer peejer jnsiee. Fve megefJeOeeDeeW kee
Gheeesie ye{eves kes efueS [er.DeeF&.DeeF&.er. cegbyeF& Deewj Deve kece&eejer heefMe#eCe keseW ceW
efnvoer mee@HeJesej heefMe#eCe keee&ece Deeeesefpele efkees iees. yeQke eje mebmLeeefhele meYeer
S.er.Sce. ceW efYeeef<eke heeesie keer megefJeOee GheueyOe kejeF& ieF& nw.
eyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe MANAGEMENT DISCUSSION AND ANALYSIS 2011-12
28.6 mebmeoere
Jeeef<e&ke efjHees&
2011 - 2012 | 44
yeQke keer DeefYeMeemeve mebefnlee kee GsMe cetue DeeOeeefjle {ebee me=efpele kejvee nw leeefke
Gefele Deewj heejoe|Melee mes keejesyeej kees kegMeuelee mes eueeves ceW yeQke kes heyebOeve kees
meneesie megefveeqele efkeee pee mekes. yeQke ves Ske kee@heexjs DeefYeMeemeve veerefle Deheveeeer nw
pees yeQke kees kegMeuelee mes eueeves ceW keee&heeueke heyebOeve kees mJeleb$elee osleer nw Deewj meeLe
- meeLe Ske peebe SJeb meblegueve kee leb$e leweej kejles ngS Deheves Deve efveJesMekeeW, efpemeceW
meceepe Yeer Meeefceue nw, kes meYeer GejoeefelJeeW kees hetje kejves kes efueS keee&heeueke
heyebOeve kees efveCe&e uesves nsleg efoS ieS DeefOekeejeW kee hetje Gheeesie megefveMele kejves kes
efueS cesue jKelee nw. yeQke veemeOeeefjlee, heejoe|Melee, meMeefekejCe, GejoeefelJe,
efveeb$eCe Deewj vewefleke kee@heexjs veeieefjkelee kees Deheves kee@heexjs DeefYeMeemeve veerefle kee
DeeOeej ceevelee nw.
keejesyeej kes efJeefYeVe #es$eeW keer efveiejeCeer jKeves kes efueS ceb[ue kes DeueeJee yeQke kes
kee@heexjs DeefYeMeemeve {ebes ceW heyebOeve, uesKee hejer#ee efveJesMeke efMekeeele, peesefKece
heyebOeve, ieenke mesJee Deewj ceb[ue keer Devegheeueve meefceefleeeb Yeer Meeefceue nQ.
Yesefoee Jeeheej keer jeskeLeece
osvee yeQke ves Yesefoee Jeeheej keer jeskeLeece kes efueS mesyeer (Yesefoee Jeeheej efve<esOe)
efJeefveece 1992 keer Dehes#eeDeeW kes Deveghe ``Yesefoee Jeeheej keer jeskeLeece kes efueS
osvee yeQke DeeejCe mebefnlee'' veeceke Jeeheke DeeejCe mebefnlee efveOee&efjle keer nw. meYeer
efveosMeke, Jeefj heyebOeve mlej kes kece&eejer SJeb yeQke kes Deve kece&eejer, efpevekeer yeQke
keer DehekeeefMele cetue mebJesoveMeerue metevee leke hengbe nw, Fme ket mes DeefYeMeeefmele
nQ, yeQke ves eer Sme.kes.ceesneqvle, Ghe ceneheyebOeke kees Devegheeueve DeefOekeejer kes he ceW
efveege efkeee nw pees yeQke keer heefleYetefleeeW ceW Jeeheej kejves kes efueS heefleeeb efveOee&efjle
kejves SJeb Deeeej mebefnlee kes keeee&vJeeve kes efueS efpeccesoej nQ. meceer#eeOeerve Je<e& kes
oewjeve Ge ket kee efJeefOeJeled Devegheeueve ngDee nw.
Deeeej mebefnlee
Code of Conduct
efveosMeke ceb[ue ves Deheves efveosMekeeW leLee ceneheyebOekeeW kes efueS Yeejleere yeQke mebIe
eje heefjeeefuele DeeoMe& Deeeej mebefnlee kees Devegceesove heoeve efkeee nw. ket ceW Deve
yeeleeW kes meeLe meeLe F&ceeveoejer SJeb vewefleke Jeweefeke DeeejCe, mJemLe heeflemheOee&,
heejoe|Melee SJeb efJeefOe leLee efJeefveeceeW Deeefo kee Devegheeueve Meeefceue nw. Deeeej mebefnlee
yeQke keer Jesye meeF hej GheueyOe kejeeer ieeer nw.
yeQke ves me@ke SkemeWpeeW kes meeLe efve<heeefole meteerye kejves kes mecePeewleeW kes Keb[ 49
ceW efveOee&efjle kee@heexjs DeefYeMeemeve hej efoS ieS efoMeeefveosMeeW kee Devegheeueve efkeee nw,
efpemekes Dehesef#ele hekeerkejCe veeres efoS ieS nQ :
2.
2. Board of Directors
efveosMeke ceb[ue
yeQke kes efveosMeke ceb[ue kee ieve yeQkekeejer efJeefveece DeefOeefveece 1949 Deewj yeQkekeejer
kebheveer (GheeceeW kee Depe&ve Deewj DeblejCe) DeefOeefveece 1970 leLee je^ereke=le yeQke
(heyebOeve SJeb efJeefJeOe heeJeOeeve) eespevee 1970 kes heeJeOeeveeW kes eje DeefYeMeeefmele neslee
nw.
13
29.04.2011
20.05.2011
16.06.2011
18.07.2011
29.07.2011
27.08.2011
29.09.2011
31.10.2011
26.11.2011
06.01.2012
06.02.2012
10.03.2012
27.03.2012
2.2
Deeueese Je<e& kes Debleie&le efveosMeke ceb[ue kes efveosMekeeW kes DeeJeMeke efJeJejCe leLee
ceb[ue keer yewkeeW ceW Gvekeer GheeqmLeefle kee efJeJejCe DevegyebOe ke, Ke SJeb ie ceW efoS ieS nQ.
3.
Yeejleere efjpeJe& yeQke eje peejer efoMeeefveoxMeeW kes Deveghe Deewj keeheexjs DeefYeMeemeve
Deeefo kes ceeie&oMeea efmeebleeW kes Devegmeej yeQke ves Deheves efveosMeke ceb[ue keer efJeefYeVe
meefceefleeeW kee ieve efkeee nw efpevekee yeewje Fme hekeej nw3.1
ceb[ue ves je^ereke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve) eespevee, 1970 kes heeJeOeeveeW
kes Devegmeej heyebOeve meefceefle kee ieve efkeee nw. meefceefle kes cegKe keeeex ceW DeOe#e SJeb
heyebOe efveosMeke / meeKe Devegceesove meefceefle kes efJeJeskeeOeerve DeefOekeejeW mes DeefOeke kes
meeKe hemleeJeeW keer mJeerke=efle, $eCe mecePeewles hemleeJe/yes Keeles efueKeves kes hemleeJe,
met /Deheerue oeej kejvee, hetbpeeriele SJeb jepemJe Jee kes Devegceesove kes hemleeJe Deewj
mejkeejer SJeb Deve Devegceesefole heefleYetefleeeW, kebheefveeeW / kee@heexjs kes MesejeW/ ef[yeWejeW/
yeeb[eW ceW efveJesMe, neceeroejer meefnle, heefjmejeW kes DeefIeienCe leLee efkejeS hej uesves kes
hemleeJe, oeve Deeefo pees DeOe#e SJeb heyebOe efveosMeke /meeKe Devegceesove meefceefle kes
efJeJeskeeefOekeejeW mes yeenj nw leLee heyebOeve meefceefle kees efveosMeke ceb[ue eje hemlegle keesF&
Deve ceeceues Meeefceue nQ.
DeOe#e SJeb heyebOe efveosMeke kes efJeJeskeeOeerve DeefOekeejeW mes DeefOeke kes meeKe hemleeJeeW
(efveefOe DeeOeeefjle Deewj iewj efveefOe DeeOeeefjle) keer mJeerke=efle, $eCe mecePeewles hemleeJe/yes
Keeles efueKeves kes hemleeJe Deewj . oes meew heeeme kejes[ leke kes $eCe mJeerke=le kejves
kee DeefOekeej Yeejle mejkeej kes efoveebke 5 efomebyej 2011 kes efoMeeefveosMeeW kes Devegmeej
ceb[ue keer meeKe Devegceesove meefceefle kes heeme nw.
The power of sanctioning credit proposals (Funded and NonFunded), Loan Compromise / Write-off proposals etc., which are
beyond the discretionary powers of the Chairperson & Managing
Director and up to Rupees Two Hundred Fifty Crores, is vested
with Credit Approval Committee of the Board as per Government
of India guidelines of December 5, 2011.
Jeeef<e&ke efjHees&
2011 - 2012 | 46
3.2
efveosMeke ceb[ue ves Yeejleere efjpeJe& yeQke kes DevegosMeeW kes Devegmeej Deetyej, 1995 ceW
efveosMeke ceb[ue keer uesKee hejer#ee meefceefle kee ieve efkeee. Yeejle mejkeej eje he$e
mebKee SHe meb 19/20/2007-yeerDees-DeeF& efoveebke 18 HejJejer, 2008 eje oer ieeer
metevee kes Devegmeej ceF& 2008 ceW meefceefle kee hegveie&ve efkeee ieee.
uesKee hejer#ee meefceefle kes keeeeX ceW uesKee hejer#ee keeeeX kee hee&Jes#eCe kejvee, yeQke
kes efJeeere keee& efve<heeove keer meceer#ee kejvee, meceJeleea / Deve efvejer#eCeeW / uesKee
hejer#eeDeeW kes cenlJehetCe& efve<ke<eex keer meceer#ee kejvee, uesKeebkeve ceevekeeW leLee Mesej
yeepeej kes meteeryelee kejej kes Keb[ 49 kes lenle efJeefvee|o Deve ceeceueeW kee
Devegheeueve kejevee Meeefceue nw. Ge meefceefle efleceener / Jeee|<eke uesKeeW kees efveosMeke
ceb[ue kes Devegceesove nsleg mebmlegle kejves kes henues Gme hej eee& SJeb efJeeej kejleer nw.
efveosMeke ceb[ue keer uesKee hejer#ee meefceefle ceW efveosMeke ceb[ue kes heeBe meome meeqcceefuele
nQ. meefceefle kes meomeeW keer mebjevee SJeb yewkeeW ceW Gvekeer GheeqmLeefle kee efJeJejCe
heefjefMe Ke SJeb ie ceW efoee ieee nw.
3.3
meeJe&peefveke #es$e kes GeceeW kes yeQkeeW kes hetCe&keeefueke efveosMekeeW kes heeefjeefceke Yeejle
mejkeej eje efveOee&ejf le efkeS peeles nQ. [Yeejle mejkeej eje keee& efve<heeove heels meenve
DeeOeeefjle eespevee heejbYe keer ieF& nw. Deewj Gme GsMe kes efueS Yeejle mejkeej kes efveosMeeW kes
Devegmeej yeQke ves efveosMeke ceC[ue keer ``heeefjeefceke meefceefle'' kee ieve efkeee nw.
meefceefle kes meomeeW keer mebjevee SJeb yewkeeW ceW Gvekeer GheeqmLeefle kee efJeJejCe heefjefMe
Ke SJeb ie ceW efoee ieee nw.
3.4 MesejOeejke / efveJesMeke efMekeeele meefceefle
yeQke ves keeheexjs DeefYeMeemeve hej mesyeer kes efoMeeefveoxMeeW kes DevegmejCe ceW Mesej yeepeejeW
kes meeLe ngS meteeryelee kejej kes Keb[ 49 kes Devegheeueve kes efueS MesejOeejkeeW /
efveJesMekeeW kes ceeceueeW pewmes - Mesej / yeeb[eW kes DeblejCe, Jeee|<eke efjhees& ve efceuevee,
ueeYeebMe / yeepe ve efceuevee Deeefo efMekeeeleeW kes efveJeejCe nsleg MesejOeejke / efveJesMeke
efMekeeele meefceefle kee ieve efkeee nw.
meefceefle kes meomeeW keer mebjevee SJeb yewkeeW ceW Gvekeer GheeqmLeefle kee efJeJejCe heefjefMe
Ke SJeb ie ceW efoee ieee nw.
eer Sme.kes.ceesneqvle, Ghe cene heyebOeke me@ke SkemeWpe kes efueS yeQke kes Devegheeueve
DeefOekeejer nQ. meceer#eeOeerve Je<e& kes oewjeve yeQke kees efveJesMekeeW mes 19 efMekeeeleW heehle
ngF Deewj meYeer 19 efMekeeeleeW kee efveJesMekeeW keer meblegeq kes Devegmeej efveheeve efkeee
ieee Deewj 31.03.2012 kees MesejOeejkeeW mes keesF& Yeer efMekeeele DeefveCeeale veneR Leer.
3.5 mecesefkele peesefKece heyebOeve hej efveosMekeeW keer meefceefle
yeQke keer meYeer peesefKece heyebOeve ieefleefJeefOeeeW kee hee&Jes#eCe kejves kes efueS mecesefkele
peesefKece heyebOeve hej efveosMekeeW keer meefceefle ieefle keer ieF& nw. Fmekes keeeeX ceW peesefKece
mebyebOeer DeJeOeejCeeDeeW meefnle meYeer peesefKece mebyebOeer keeeeX hej efveiejeveer jKevee, peesefKece
cetueebkeve Deewj peesefKece kes heefjceeCeve keer keee&-efJeefOe lee kejvee, peesefKece eqmLeefle nsleg
ceeve mlej efveOee&efjle kejvee, peesefKece heyebOeve hej heyebOeve kes efveoxMe Deewj peesefKece kece
kejves keer lekeveerke Deeefo meceeefJe nQ.
Devegheeueve meefceefle
Yeejleere efjpeJe& yeQke ves Deheves he$e mebKee. [eryeerSme.meerDees.heerheer.
yeermeer.6/11.01.005/2006-07 efoveebke 20 Dehewue, 2007 eje yeQkeeW ceW Devegheeueve
keee& kes efueS efoMeeefveoxMe efoes nQ. Fve efoMeeefveoxMeeW kes DeeOeej hej yeQke ves Deheveer
Devegheeueve veerefle yeveeeer nw efpemekee Devegceesove efveosMeke ceb[ue ves efoveebke 27 efomebyej,
2007 kees Deeeesefpele yewke ceW efkeee nw. veerefle kes heeJeOeeveeW kes Devegmeej, Devegheeueve
hej efveosMekeeW keer meefceefle kee ieve efkeee ieee. 29 peveJejer , 2009 kees meefceefle kee
hegveie&ve efkeee ieee.
meefceefle kes meomeeW keer mebjevee SJeb yewkeeW ceW Gvekeer GheeqmLeefle kee efJeJejCe heefjefMe
Ke SJeb ie ceW efoee ieee nw.
Jeeef<e&ke efjHees&
2011 - 2012 | 48
veeceebkeve meefceefle.
yeQke kes efove-heefleefove kes keee&keueeheeW kes megee he mes mebeeueve kes efueS yeQke ves
Deveske Deebleefjke meefceefleeeW kee Yeer ieve efkeee nw. keg Deebleefjke meefceefleeeB Fme
hekeej nQ :-
4.1
yeQke ves efveJesMe mebyebOeer ceeceueeW Deewj cege yeepeej heefjeeueveeW kes mebyebOe ceW keee&heeuekeeW
keer Deebleefjke meefceefle kee ieve efkeee nw. Ge meefceefle efveJesMe SJeb efveefOe heyebOeve mebyebOeer
meYeer uesve-osve ceeceueeW keer meceer#ee kejleer nw Deewj DeeJeMeke efoMeeefveoxMe heoeve kejleer
nw. meefceefle keer yewkeW mehleen ceW meesceJeej Deewj iegJeej kees nesleer nQ.
meefceefle keer DeOe#elee yeQke kes DeOe#e SJeb heyebOe efveosMeke Deewj Gvekeer DevegheeqmLeefle
ceW keee&heeueke efveosMeke kejles nQ. Deeueese Je<e& kes oewjeve meefceefle keer yewkeW efveeefcele
he ceW Deeeesefpele ngF.
4.2
yeQke ves Deeeqmle oselee heyebOeve meefceefle (S.Sue.meer.Dees) kee ieve efkeee nw. meefceefle
keer DeOe#elee DeOe#e SJeb heyebOe efveosMeke Deewj Gvekeer DevegheeqmLeefle ceW keee&heeueke
efveosMeke kejles nQ.meefceefle kes keeeeX ceW Deve yeeleeW kes meeLe-meeLe yeepeej peesefKece
heyebOeve, lejuelee peesefKece heyebOeve, Deeeqmle SJeb oseleeDeeW keer yeepe oj mebJesoveMeeruelee
hej efveiejeveer jKevee SJeb yeepe ojeW Deeefo kee efveOee&jCe meeqcceefuele nw.
heYeejer ceneheyebOeke SJeb heOeeve keeee&uee kes Deve keee&heeueke meefceefle kes Deve meome
nQ. meceer#eeOeerve Je<e& kes oewjeve yeQke ceW S.Sue.Sce. keeee&vJeeve ceW heieefle mebyebOeer efJeeejefJeceMe& SJeb meceer#ee kejves nsleg meefceefle keer 22 yewkeW Deeeesefpele ngF.
4.3
yeQke ves Gve MesejeW kes DeblejCe kee Devegceesove kejves kes efueS yeQke kes keee&heeuekeeW keer
Deebleefjke Mesej DeblejCe mebJeer#ee meefceefle kee ieve efkeee nw, pees yeQke kes jefpem^ej
SJeb Mesej DeblejCe SpeWeW eje mebmeeefOele efkeS peeles nQ. meefceefle mecee-mecee hej
yeskeeiepeerkejCe keer efoMee ceW ngF& heieefle keer eqmLeefle Deewj yeQke kes MesejeW kes cetueeW ceW
ngF& Ie-ye{ keer Yeer DeeJeefOeke he mes meceer#ee kejleer nw.ceneheyebOeke (efJee heyebOeve
/ Kepeevee) , Ghe ceneheyebOeke (efveJesMeke mebheke& keW), Ghe cene heyebOeke (ceb[ue
meefeJeeuee) leLee Jeefj heyebOeke (efveJesMeke mebheke& kes) / kebheveer meefeJe meefceefle
kes meome nQ. ceneheyebOeke (efJee heyebOeve / Kepeevee) Ge meefceefle kes DeOe#e nQ.
Deeueese Je<e& kes oewjeve meefceefle keer 20 yewkeW mebheVe ngF.
4.4
meefceefle kes cegKe keee& yeQke kes heefjmejeW pewmes heeke=le/mJeeefcelJeJeeues heefjmejeW kee
DeefOeienCe, hee veJeerkejCe Deewj heeke=le heefjmejeW Deeefo kees Jeeheme ueeweves mes
mebyebefOele nesles nQ.ceneheyebOeke (efJee heyebOeve / Kepeevee), ceneheyebOeke (ceeveJe mebmeeOeve
heyebOeve), cene heyebOeke (Sce.Sme.Sce.F& / efJeheCeve), ceneheyebOeke (metevee lekeveerke)
Jeeef<e&ke efjHees&
2011 - 2012 | 50
Manager (RML) are the members of the Committee. During the year
under review, the Committee met on 24 occasions.
6.
efheueer leerve Jeee|<eke meeceeve meYeeDeeW SJeb efheueer leerve DemeeOeejCe meeceeve meYeeDeeW
kee yeewje veeres efoee ieee nw. meYeer yewkeW Ske ner mLeeve meYeeie=n, mej meesjeyepeer
heeseKeeveeJeeuee yeQkeme& heefMe#eCe ceneefJeeeuee, pes.Jeer.heer.[er. mkeerce, efJeuesheeuex
(heeqece) cegbyeF& -400 056:
5. Remuneration of Directors
The Chairman & Managing Director and the Executive Directors
were paid salary / remuneration as per extant guidelines of the
Government of India and are not paid sitting fees for attending
the Board and other Committee meetings of the Bank. All other
Non-Executive Directors except Government and RBI nominee
Directors were getting paid sitting fees of Rs.5000/- for attending
each Board meeting and Rs.2500/- each for attending any other
committee meetings. The same was revised w.e.f October 18, 2011
to Rs.10,000/- for attending each Board Meeting and Rs.5,000/each for attending any other Committee meeting respectively as
per guidelines of the Government of India.
All the Non-Executive Directors are also reimbursed the actual
expenses incurred by them towards conveyance, traveling,
halting etc., for attending the meetings in addition to sitting fees
as mentioned above. All matters relating to remuneration of NonExecutive Directors were governed by the provisions contained in
the Nationalized Banks (Management & Miscellaneous Provisions)
Scheme, 1970.
The details of remuneration paid to related parties for the year
2011-12 are given in Schedule- 18 NOTES FORMING PART OF
THE ACCOUNTS of the annual report for 2011-2012.
The details of last three Annual General Meetings and last three
Extra Ordinary General Meetings are given below. The Venue
of all meetings was Auditorium, Sir Sorabji Pochkhanawala
Bankers Training College, J.V.P.D. Scheme, Vile Parle (West),
Mumbai-400 056:
DemeeOeejCe meeceeve meYee (Yeejle mejkeej kees DeefOeceeveer DeeOeej hej F&eqkeJeer MesejeW kee me=peve, hemleeJe,
peejer kejves leLee Deeyebve kes efueS)
hekeve :
7.1
of
Material
Transactions
and
Pecuniary
31
ceee&, 2012 kees meceehle efJee Je<e& ceW yeQke Deewj Gmekes efveosMekeeW kes yeere efkemeer
hekeej kes cenlJehetCe& mebyebefOele he#e kes uesve-osve, Deee|Leke uesve-osve ee mebyebOe keer keesF&
Ssmeer Ievee veneR ngF&, efpemekee Jeeheke he mes yeQke kes efnleeW kes meeLe mebYeeJe kejeJe
mebYeeefJele nes.
7.2
yeQke eje Devegheeueve ve efkees peeves mes mebyebefOele keesF& ceeceuee hekeeMe ceW veneR
Deeee nw leLee Mesej yeepeej / mesyeer ee efkemeer Deve meebefJeefOeke heeefOekejCe eje efheues
leerve Je<eeX kes oewjeve hetbpeer yeepeejeW mes mebyebefOele efkemeer Yeer ceeceues ceW yeQke hej efkemeer hekeej
kee pegcee&vee / Dee#eshe veneR ueieeee ieee.
leLeeefhe, ces. Deukee meskeetefjerpe efue. (kebheveer) kes 1,36 ,81 ,830 F&eqkeJeer MesejeW
kes DeblejCe kes ceeceues ceW, pees Je<e& 2008 ceW yeQke eje , Ske iewj efve<heeoke FkeeF& kes
Deefiece keer Jemetueer kes efueS mebheee|eke heefleYetefle kes he ceW jKes ieS Les, mesyeer eje en
Deejeshe ueieeee ieee efke yeQke ves kebheveer kees Deewj me@ke SkemeWpeeW kees Ge MesejeW
kes DeblejCe kes yeejs ceW hekeve veneR kejves mes mesyeer ( Yesefoee Jeeheej efve<esOe) efJeefveece
1992 kes 13(5) kes meeLe heefle efJeefveece 13(3) kes heeJeOeeveeW kee GuuebIeve efkeee
nw, pees Ge efJeefveeceeW kes Debleie&le Dehesef#ele nw.
keeeWekf e MesejeW kee DeblejCe yeQke kes efnle kees Oeeve ceW jKeles ngS efkeee ieee Lee Deewj
Deejesehf ele GuuebIeve kee mJehe lekeveerkeer nw, yeQke ves uebyes efJeefOeke cegkeoces mes yeeves kes efueS,
Deejeshe mes mencele ee Fvkeej ve kejles ngS, mecePeewlee heYeej kes he ceW .10.00 ueeKe kes
Yegieleeve eje efomebyej 2012 ceW mesyeer kes meeLe menceefle MeleX nmlee#ej kejves kee hemleeJe
jKee. en hemleeJe mesyeer eje mJeerkeej efkeee ieee Deewj mesyeer ves mJeerkeee& jkece kes Yegieleeve
hej efoveebke 26 Deheuw e 2011 kees Deheveer menceefle kee DeeosMe heeefjle efkeee.
As transfer of the said shares was done in the best interest of the
Bank and the alleged violation was technical in nature, the Bank in
order to save on long drawn legal case , without admission or denial
of guilt proposed signing of consent terms with SEBI in December
2010 by payment of Rs. 10.00 lakhs as settlement charges . This
was accepted by SEBI and SEBI passed its consent order on 26th
April, 2011 on payment of the accepted amount.
7.3
7.4
osvee yeQke eje me@ke SkemeWpeeW kes meeLe efkees iees meteeryelee kejejeW kes Keb[
47 (ie) keer Dehes#eevegmeej, Deve yeeleeW kes meeLe-meeLe DeblejCe, hes<eCe, Ghe efJeYeepeve,
meceskeve leLee F&eqkeJeer MesejeW kes Deeoeve heoeve kes mebyebOe ceW hemlegleerkejCe kes Ske
Jeeef<e&ke efjHees&
2011 - 2012 | 52
7.5
7.6
yeQke eje Devegheeueve keer ieF& iewj-DeefveJeee& Dehes#eeDeeW keer MeleX efvecvehekeej
nQ
ece mebKee
Dehes#ee
Devegheeueve
Sl. No.
Requirement
Compliance
kebheveer kes yees[& hej mJeleb$e efveosMekeeW kee kegue keee&keeue veew Je<e& mes DeefOeke veneR
nesiee. kebheveer en megefveeqele kejs efke Jen Jeefe, pees mJeleb$e efveosMeke kes he ceW
efveege efkeee pee jne nw, DeeJeMeke eesieleeSb SJeb DevegYeJe jKelee nw pees kebheveer
kes efueS Gheeesieer nesieer leLee pees , kebheveer keer eq ceW, Ske mJeleb$e efveosMeke
keer nwefmeele mes kebheveer kees heYeeJeer {bie mes eesieoeve osves ceW Gmes me#ece yeveeleer nQ.
yeQke kes yees[& hej mJeleb$e efveosMekeeW kee keee&keeue veew Je<eeX mes DeefOeke veneR nw.
Yeejleere efjpeJe& yeQke kes efoveebke 1 veJebyej 2007 kes efoMeeefveoxMeeW kes Devegmeej,
yeQke kes yees[& keer veeceebkeve meefceefle eje eesie SJeb mecegefele eqmLeefle kee efveOee&jCe
efkeee ieee nw, Fme hekeej yees[& kes meYeer mJeleb$e efveosMeke eesie SJeb DevegYeJeer nQ.
Independent Directors may have a tenure not exceeding, The tenure of Independent Directors on the Board of the Bank
in the aggregate, a period of nine years, on the Board of a is not exceeding in the aggregate, a period of nine years. As
company. The company may ensure that the person who is per Reserve Bank of India Guidelines dated 1st November
being appointed as an independent director has the requisite 2007, Fit and Proper status was determined by the Nomination
qualifications and experience, which would be of use to the Committee of the Board of the Bank and thus all the independent
company and which, in the opinion of the company, would directors on the Board are well qualified and experienced.
enable him to contribute effectively to the company in his
capacity as an independent director.
2
yees[& keee&heeueke efveosMekeeW kes efueS efvee|o heeefjeefceke heskespe hej kebheveer keer en ueeiet veneR neslee nw, etbefke keee&heeueke efveosMeke Yeejle mejkeej eje efveOee&efjle
heeefjeefceke veerefle efveOee&efjle kejves kes efueS Ske heeefjeefceke meefceefle kee ieve efkees iees Devegmeej Jesleve heehle kejles nQ, leLeeefhe, Yeejle mejkeej mes heehle
kejs
efoMeeefveoxMeeW kes Devegmeej keee&efve<heeove DeeOeeefjle heeslmeenve jeefMe hej efJeeej
kejves kes efueS heeefjeefceke meefceefle keee&jle nw,
The board may set up a remuneration committee to formulate Not applicable, as Executive Directors draw salary as fixed by
companys remuneration policy on specific remuneration the Government of India. However, a Remuneration Committee
package for Executive Directors.
kebheveer efyevee Mele& efJeeere efJeJejefCeeeW keer JeJemLee keer Deesj Deiemej neW
Company may move towards a regime of unqualified financial The Bank has complied with this requirement.
statements.
yeQke kes yees[& ves meleke&lee meteke veerefle veeceke Ske veerefle kee Devegceesove efkeee
nw efpemekes Debleie&le Ske heCeeueer Meeefceue keer ieeer nw efke Ske kece&eejer Devewefleke
JeJenej, eefo keesF& nes, JeemleefJeke ee mebefoiOe OeesKeeOe[er ee DeeejCe ee veerefle
kes GuuebIeve kes mebyebOe ceW cegKe meleke&lee DeefOekeejer / heyebOeve Jeie& kees kewmes efjhees&
kej mekelee nw. Fme leb$e ceW Gme kece&eejer kes Glheer[ve kes yeeeJe kes heee&hle Gheee
Yeer nQ , pees Fme kee Gheeesie kejlee nw, Fmes heefjhe$e kes ceeOece mes yeQke ceW meYeer
kees mecegefele he mes metefele efkeee ieee nw.
meer.Jeer.meer kes efoMeeefveosMeeW kes Devegmeej Deye meYeer kes efueS yeQke keer meleke&lee
meteke veerefle nw.
8.
yeQke Deheves meomeeW Deewj peesefKece OeejkeeW kees Gvekes efnleeW mes mebyebefOele IeveeDeeW mes
GvnW DeJeiele jKeves keer DeeJeMekelee kees cenlJe oslee nw.
yeQke kes efleceener / De&Jeee|<eke / Jeee|<eke heefjCeece efveOee&efjle mecee meercee ceW Gve me@
ke SkemeeWpeeW ceW hemlegle efkeS peeles nQ peneB yeQke kes Mesej meteerye nQ. Fmekes meeLe ner
efleceener / De&Jeee|<eke / Jeee|<eke heefjCeece meebefJeefOeke Dehes#eeDeeW kes Deveghe Debiespeer,
efnvoer Deewj cejeer (#es$eere Yee<ee) ceW hekeeefMele efkeS ieS Les. yeQke Deheves Jeee|<eke
heefjCeeceeW keer keeiepeer heefle MesejOeejkeeW kees Yeer GheueyOe kejelee nw. heefjCeece kes
meeLe-meeLe Mesej Oeeefjlee kee mJehe Deewj Mesej cetue yeQke keer JesyemeeF& DeLee&le
www.denabank.com. hej Yeer heoe|Mele efkeS iees nQ. en yeQke kes yeejs ceW keeee&ueeerve
hesme efJe%eeqhle SJeb Deve cenlJehetCe& efJeJejCe Yeer heoe|Mele kejlee nw.
heyebOeve efJeeej efJeceMe& SJeb efJeMues<eCe Jeee|<eke efjhees& kee Yeeie nQ pees keer yeQke JesyemeeF&
hej Yeer heoe|Mele efkeSe peelee nQ.
9.
9. Shareholder information
yeQke Ske Devegmetefele JeeefCeeqpeke yeQke nw, efpemekee heOeeve keeee&uee cegbyeF& ceW nw. yeQke keer
GheeqmLeefle Fmekeer 1342 MeeKeeDeeW kes vesJeke& kes meeLe Yeejle kes mecemle efnmmeeW ceW nw.
yeQke kes F&eqkeJeer Mesej, cegbyeF& Mesej yeepeej efueefces[ (yeerSmeF&), Yeejleere je^ere
Mesej yeepeej efueefces[ (SveSmeF&), ceW meteerye nQ.
The Equity shares of the Bank are listed on Bombay Stock Exchange
Limited (BSE) and National Stock Exchange of India Limited
(NSE).
Jeeef<e&ke efjHees&
2011 - 2012 | 54
kees[ Code
DeuHee Alpha
vetcesefjke Numeric
532121
yeer Sme F& BSE
osvee yeQke DENA BANK
-Sve Sme F& NSE
osvee yeQke DENA BANK
Annual Listing fee for next financial year 2012-13 has been paid to
Deieues Je<e& 2012-13 kes efueS oesveeW me@ke SkeeWpeeW kees Jeee|<eke meteeryelee Meguke kee
both the stock exchanges.
Yegieleeve kej efoee ieee nw.
The Bank has issued Non-Convertible Bonds in the nature of
Promissory Notes (Tier-I and Tier-II Capital) from time to time. The
relevant details thereof are as under:
yeQke ves mecee-mecee hej Jeeve he$e (erej-I SJeb erej-II hetbpeer) kes he ceW
DeheefjJele&veere yeeC[ peejer efkees nQ. Gvemes mebyebefOele efJeJejCe efvecvehekeej nw
Size (Rs. In Cr)
Date of Allotment
150
31.03.2004
30.04.2013
INE077A09021
210
31.03.2005
30.04.2014
INE077A09039
106
25.03.2008
24.05.2018
INE077A09062
300
30.09.2008
30.04.2019
INE077A09070
200
29.01.2009
29.01.2019
INE077A09088
300
30.09.2006
30.09.2021
INE077A09047
125
31.12.2007
yesceereeoer
INE077A09054
125
28.05.2009
yesceereeoer
INE077A09096
ISIN No.
perpetual
All these Bonds are listed on National Stock Exchange of India Ltd.
and the Bank has paid the Annual listing fee for next financial year
2012-13 to the Stock Exchange.
Credit Rating position of the Bonds of our Bank
(As on 31.03.2012):
nceejs yeQke kes yeeb[eW keer $eCe jseEie keer eqmLeefle (31.03.2012 kees):
yeeb[ kes hekeej
DeeF&SmeDeeF&Sve mebKee
perpetual
es meYeer yeeb[ vesMeveue me@ke SkemeWpe Dee@He Fbef[ee efueefces[ hej meteerye nQ SJeb yeQke
ves me@ke SkemeWpe kees Deieues efJee Je<e& 2012-13 kes efueS Jeee|<eke meteeryelee Meguke
kee Yegieleeve kej efoee nw.
Types of Bonds
Date of Maturity
SpeWmeer
Agency
efeefmeue CRISIL
kesej CARE
efHee FITCH
efeefmeue CRISIL
efHee FITCH
efeefmeue CRISIL
kesej CARE
efHee FITCH
jseEie
Ratings
CRISIL AA+/ Stable
CARE AA +
FITCH AA - (Ind)
CRISIL AA/ Stable
FITCH A - (Ind)
CRISIL AA/ Stable
CARE AA
FITCH A - (Ind)
yeQke kes MesejeW kee JeJemeee DeeJeMeke he mes yeskeeiepeerke=le mJehe ceW efkeee peelee
nw. peejerkelee& yeQke kes he ceW, yeQke ves MesejeW kes yeskeeiepeerkejCe kes efueS SveSme[erSue
Deewj meer[erSmeSue kes meeLe Ske kejej efkeee nw. mesyeer efoMeeefveoxMeeW keer MeleeX kes
Devegmeej, yeQke kes jefpem^ej Deewj Mesej DeblejCe DeefYekelee& Yeer yeQke kes MesejOeejkeeW
kees DeblejCe / yeskeeiepeerkejCe / hegvekee&iepeerkejCe keer megefJeOee os jns nQ.
leke yeQke kes 2,14,325 MesejOeejke Les efpeveceW mes yeQke kes
35117 MesejOeejke Deheves Mesej keeiepeer he ceW OeejCe efkeS ngS Les Deewj 1,79,208
MesejOeejkeeW ves Deheves Mesej [erces he ceW jKes ngS Les. kegue 35,00,58,527 MesejeW ceW mes
19,33,85,874 Mesej (55.24%) Yeejle mejkeej eje Fueskee^ efveke he ceW jKes ngS
nQ , Mes<e 15,66,72,653 Mesej (44.76%) pevelee / efJeeere mebmLeeDeeW / DeefveJeemeer
YeejleereeW Fleeefo kes heeme nQ . efoveebke 31.03.2012 kees, 35,00,58,527 MesejeW ceW
mes 32,39,72,376 (92.55%) Mesej Fueskee^ e@ vf eke mJehe ceW SJeb Mes<e 2,60,86,151
(7.45%) Mesej keeiepeer mJehe ceW efJeeceeve nQ efpeveceW mes DeefOeceeveer DeeOeej hej Yeejleere
peerJeve yeercee efveiece kees Deeyebef le 1,66,69,453 (4.76%) Mesej Deeyebve keer leejerKe
mes Ske Je<e& keer efveeqele DeJelee DeJeefOe kes meeLe Yeejleere peerJeve yeercee efveiece kes [erces
Keeles ceW Fueskee^ efveke mJehe ceW pecee kej efoS ieS nQ.
9.2
yeQke ves cesmeme& Mesejhees mee|Jemespe (FeqC[ee) heeFJes efueefces[ kees yeQke kes Mesej
DeblejCe SpeW (Deej.SC[.er) kes he ceW keee& meeQhee nw Deewj Mesej / yee@C[ DeblejCe /
hes<eCe, ueeYeebMe/yeepe Yegieleeve Deewj efveJesMeke mebyebOeer Deve meYeer ceeceueeW hej keej&JeeF&
nceejs jefpem^ej SJeb Mesej DeblejCe SpeW eje Gvekes keeee&uee ceW keer peeleer nw.
jefpem^ej SJeb Mesej DeblejCe SpeW efveJesMekeeW kes DevegjesOeeW hej keej&JeeF& kejves kes yeeo,
GvnW yeQke kes keee&heeuekeeW keer Deebleefjke Mesej DeblejCe mebJeer#ee meefceefle kes mece#e
jKelee nw Deewj Jen meefceefle yeQke kes MesejeW kes DeblejCe / hes<eCe Deeefo kee Devegceesove
kejkes Gmekeer hegeq kes efueS Mesej DeblejCe meefceefle kees Deheveer mebmlegleer Yespeleer nw.
MesejOeejke Deheves DeblejCe efJeuesKe (kesJeue keeiepeer he ceW Oeeefjle nesves kes ceeceues ceW)
Deewj efMekeeele meefnle Deve keesF& heuesKe yeQke kes jefpem^ej SJeb Mesej DeblejCe SpeW
kes efvecveefueefKele heles hej Yespe mekeles nQ Deewj Fmemes mebyebefOele he$eeeej Yeer, eefo keesF&
nes, Gmes yeQke kes efveJesMeke mebheke& kesv kees veeres efoS ieS heles hej Yespe mekeles nQ.
efoveebke
31.03.2012
Jeeef<e&ke efjHees&
2011 - 2012 | 56
9.3
efJeeere kewuesC[j
efJeeere Je<e&
uesKeeW hej efJeeej kejves SJeb ueeYeebMe, eefo keesF& nes, keer mebmlegefle kejves kes efueS ceb[ue keer yewke
25 petve, 2012
25th June, 2012
30 petve, 2012
30th June, 2012
Financial Year
Board Meeting for considering the Accounts and recommendation of
dividend, if any
Dates of Book Closures
Last date for receipt of proxy form
heLece leerve efleceeefneeW kes efueS iewj uesKeehejeref#ele heefjCeeceeW kees DeefYeuesKe ceW uesves nsleg efveosMeke mebyebefOele efleceener kes Deieues cenerves kee Debeflece mehleen
Last week of the succeeding month of the relevant quarter
ceb[ue keer yewke
Board Meeting for taking on record the Un-audited results for first 3
quarters
9.4
9.4 Shares Price and Volume of Shares traded on NSE & BSE
Je<e& 2011-12 kes oewjeve Sve.Sme.F& SJeb yeer.Sme.F&. kes ceeOece mes Kejeros
during the year 2011-12:
/yeses ieS MesejeW keer keercele Deewj cee$ee
vesMeveue me@ke SkemeWpe (Sve.Sme.F&)
cegbyeF& me@ke SkemeWpe (yeer.Sme.F&)
National Stock Exchange (NSE)
DeJeefOe
Period
Ge
High
114.50
efvecve .
Low
Rs.
95.65
Ge .
High
Rs.
Total Volume
of shares
traded
30124135
114.60
efvecve .
Low
Rs.
101.15
105.00
87.85
23196033
104.40
84.80
4883228
96.35
84.15
20677964
96.70
84.00
3643628
92.80
78.60
39188304
92.60
79.05
7603863
88.00
75.60
36174767
87.65
76.35
7130759
87.30
75.20
30587672
87.30
75.30
5446691
81.65
71.10
17045161
81.60
70.05
3217970
83.00
60.20
31662326
83.00
60.30
6299653
68.00
48.05
28177728
67.75
48.30
5107639
69.50
47.55
49996958
69.40
47.50
11239829
95.90
67.05
106599361
83.35
58568755
104.00
67.00
22453634
96.25
81.05
11263376
` 114.50
` 114.60
` 47.55
` 47.50
yeQke kes F&eqkeJeer Mesej cegbyeF& Mesej yeepeej SJeb je^ere Mesej yeepeej ceW meteerye
nQ. yeQke ves Fve Mesej yeepeejeW kees 31 ceee&, 2012 kees meceehle Je<e& nsleg Jeee|<eke
meteeryelee Meguke kee Yegieleeve efkeee nw. 31 ceee&, 2012 kees meceehle Je<e& nsleg yeQke
keer MesejOeeefjlee kee mJehe efvecve hekeej nw :
e.meb.
Sl. No.
1
2
esCeer
Category
The Equity shares of the Bank are listed on BSE and NSE. The
Bank has paid the Annual Listing Fees to these Stock Exchanges
for the year ended 31st March 2012. The shareholding pattern of
the Bank as on March 31, 2012 is as follows:
MesejOeeefjlee kee %
% of Shareholding
55.24
109097
0.03
4199496
1.20
36050014
10.30
18207149
5.20
1626287
0.47
55765872
15.93
40714738
11.63
efJeosMeer mebmLeeiele efveJesMeke Foreign Institutional Investors
350058527
100.00
kegue TOTAL
9.6 (ke) efoveebke 31-03-2012 kees heJele&ke Deewj heJele&ke mecetn keer esCeer mes mebyebefOele JeefeeeW keer MesejOeeefjlee heoe|Mele kejves Jeeuee efJeJejCe
(A) Statement showing shareholding of persons belonging to the category Promoter and Promoter Group as on 31-03-2012
e.meb.
Sl. No.
1.
Name of Shareholder
kegueOeeefjlee kee %
% of total holding
55.24
B) Statement showing shareholding of persons belonging to the category Public and holding more than 1% of the total number of
shares as on 31-03-2012:
e.meb.
S/No.
36050014
Shares as percentage of
total no. of shares
10.30
8400000
2.40
5190594
1.48
3714107
1.06
3634960
1.04
kegue Total
56989675
16.28
Jeeef<e&ke efjHees&
2011 - 2012 | 58
efoveebke 31 ceee&, 2012 kees MesejOeeefjlee kee efJelejCe Distribution of Shareholding as on March 31, 2012
MesejOeejke Shareholders
mebKee
mebKee
kegue kee
% to total
93.14
Number
3,05,92,581
8831
3183
890
442
345
4.12
1.48
0.42
0.20
0.16
7245816
4918097
2279107
1597246
1644672
2.07
1.40
0.65
0.46
0.47
482
527
0.23
0.25
3644559
298136449
1.04
85.17
5001-10000
Above 10000 mes
kegue kee
Shareholders
1,99,625
MesejOeeefjlee Shareholding
DeefOeke
2,14,325
100.00
35,00,58,527
kegue Total
9.8 Sme SC[ heer meerSveSkeme efveHeer kes Gleej-e{eJe keer leguevee ceW osvee yeQke kes Mesej kee efve<heeove efvecveevegmeej heoe|Mele nw.
% to total
8.74
100.00
Performance of Dena Bank Share in comparison with the movement of S & P CNX Nifty is shown here below:
efveHeer NIFTY
Mar 12
Jan 12
Feb 12
Dec 11
Oct 11
Nov 11
Sep 11
Aug 11
July 11
May 11
June 11
110
100
90
80
70
60
50
40
30
20
[`]
6000
5500
5000
4500
4000
3500
3000
2500
2000
April 11
efveHeer [NIFTY]
yeQke ves efvecveefueefKele Je<eex kes efueS ueeYeebMe Ieesef<ele efkeee The Bank had declared Dividend for the following years:
ece meb
Sl
Year
Je<e&
ueeYeebMe (%)
Dividend (%)
e.ce.
Sl
Year
Dividend (%)
1996-1997
12%
2004-2005
Nil
1997-1998
15%
10
2005-2006
Nil
1998-1999
16%
11
2006-2007
8%
1999-2000
6%
12
2007-2008
10%
2000-2001
Nil
13
2008-2009
12%
2001-2002
Nil
14
2009-2010
20%
2002-2003
Nil
15
2010-2011
22%
2003-2004
Nil
Yeejle mejkeej ves Deheveer DeefOemetevee efoveebke 16 Deetyej, 2006 kes eje yeQeEkeie
kecheveer (GheeceeW kee DeefOeienCe SJeb DeblejCe) DeefOeefveece 1970 / 1980 kees hegve
mebMeesefOele efkeee nw Deewj efoveebke 16 Deetyej 2006 mes yeQeEkeie kecheveer (GheeceeW kee
Je<e&
ueeYeebMe
2006
Gheeg&e Ge DeefOeefveece keer Oeeje 10 (yeer) (2) kes Devegmeej, yeQke kees Gheeg&e
DeefOeefveece kes heejbYe nesves mes hetJe& Ieesef<ele efkemeer Yeer ueeYeebMe kees hetCe& ee DeebefMeke he
ceW, DeefOeefveece kes ueeiet nesves DeLee&led 16 Deetyej, 2006 mes cenerves kes Yeerlej
``osvee yeQke kee Deoe ueeYeebMe Keelee (Je<e&)'' veeceke efJeMes<e Keeles ceW DeblejCe kejvee
nw. yeQke ves Gheeg&e Dehes#ee kee heeueve kej efueee nw Deewj Gmes Deoe ueeYeebMe Keeles ceW
Debleefjle kej efoee nw.
As per section 10(B) (2) of the aforesaid Act, the Bank has to
transfer the whole or part of any dividend declared before the
commencement of the above said Act, unpaid dividend to a special
account called Unpaid Dividend Account of Dena Bank (year)
within six months from the commencement of the Act. i.e. 16th
October, 2006. Bank has complied with the above requirement and
transferred the same to Unpaid Dividend Account
Ghejese DeefOeefveece keer Oeeje 10(yeer)(1) kes Devegmeej, peneb yeQeEkeie kecheveer (GheeceeW
kee DeefOeienCe SJeb DeblejCe) leLee efJeeere mebmLee efJeefOe (mebMeesOeve) DeefOeefveece 2006
kes heejbYe nesves kes yeeo, Gmekes Deveghe veS yeQke eje ueeYeebMe Ieesef<ele efkeee ieee nw
uesefkeve Iees<eCee keer leejerKe mes leerme efoveeW kes Deboj efkemeer MesejOeejke kees ee Gmekes
eje , pees ueeYeebMe kes Yegieleeve kes efueS hee$e nw , ueeYeebMe kee Yegieleeve ee oeJee veneR
efkeee ieee nes lees Ge veee yeQke Ssmes 30 efoveeW keer meceehle nesves keer leejerKe mes meele
efoveeW kes Deboj, Ge leerme efoveeW keer DeJeefOe kes Debleie&le Deoe ee oeJee veneR efkeS ieS
ueeYeebMe keer kegue jkece Ske efJeMes<e Keelee ``Deoe ueeYeebMe Keelee'' ceW DeblejCe kejsiee.
yeQke ves Je<e& 2010-11 kes efueS ueeYeebMe kes Fme efoMeeefveosMe kee Devegheeueve efkeee nw.
As per section 10 (B) (1) of the aforesaid Act, where, after the
commencement of the Banking Companies (Acquisition and Transfer
of Undertakings) and Financial Institutions Laws (Amendment) Act,
2006, a dividend has been declared by a corresponding new bank
but has not been paid or claimed within thirty days from the date
of declaration, to, or by, any shareholder entitled to the payment of
the dividend, the corresponding new bank shall, within seven days
from the date of the expiry of such period of thirty days, transfer
the total amount of dividend which remains unpaid or unclaimed
within the said period of thirty days, to a special account to be
called "Unpaid Dividend Account". The Bank has complied with this
guideline for dividend for the year 2010-11.
leovegmeej, efpeve MesejOeejkeeW kees Je<e& 1999-2000 Deewj Je<e& 2006-2011 kes efueS
ueeYeebMe heehle veneR ngDee nw Jes ke=heee meneelee kes efueS yeQke kes efveJesMeke mecheke& kes ee
cesmeme& Mesej hees. mee|Jeme (Fbef[ee) heeFJes efue. mes mecheke& kej mekeles nQ. yeQke ves Je<e&
2000-2001 mes 2005-2006 leke kes efueS keesF& Yeer ueebYeeMe Ieesef<ele veneR efkeee nw.
9.10
peneb hej F&.meer. Sme. megefJeOeeSb GheueyOe nQ JeneB efveJesMekeeW kees Fueske^eefveke
meceeMeesOeve mesJee kes ceeOece mes ueeYeebMe efJeleefjle kejves kes efueS peceekelee&DeeW eje
hemlegle yeQke KeeleeW kes efJeJejCeeW kee Gheeesie kejves nsleg mesyeer ves Fmes meYeer meteerye
kecheefveeeW kes efueS DeefveJeee& yevee efoee nw. F&.meer.Sme. megefJeOee GheueyOe ve nesves keer
eqmLeefle ceW Yegieleeve efueKele hej efveJesMekeeW kees ueeYeebMe efJelejCe kes efueS yeQke Keeles kee
efJeJejCe cegefle kejsiee.
9.10 SEBI has made it mandatory for all listed companies to use the
9.11
Ssmes MesejOeejke efpevekes Mesej keeiepeer he ceW nQ Deewj efpevneWves yeQke kees
DeefOeosMe efJeJejCe / DeefOeosMe efJeJejCe ceW ngS heefjJele&ve yeQke kees metefele veneR efkeS
nQ, Jes Ge efJeJejCe yeQke kees hemlegle kejW leeefke ueeYeebMe Jeejb kes OeesKeeOe[er hetJe&ke
vekeoerkejCe mes yeee mekes. yeQke DeefOeosMe hemlegle kejves kee heesHeecee& Jeee|<eke efjhees& ceW
Deueie mes GheueyOe kejeee ieee nw.
9.12 ke=heee en Oeeve oW efke efpeve Mesej OeejkeeW kes Mesej keeiepeer he ceW nQ Jes Deheves
9.12 It may please be noted that the shareholders who are holding
the shares in physical form may send their Bank Mandate details
and change in address, if any, to the Investor Relations Centre of
the Bank or M/s. Sharepro Services (India) Private Limited, Mumbai
for updating record of the shareholders. The shareholders who are
holding the shares in demat (electronic) form may approach their
Depository Participant for necessary updation of the particulars of
Bank account, address of shareholder etc.
yeQke DeefOeosMe efJeJejCe Deewj heles ceW ngS heefjJele&ve, eefo keesF& nes lees, MesejOeejkeeW kes
DeefYeuesKe kees Deeleve kejves kes efueS yeQke kes efveJesMeke mecheke& kes ee cesmeme& Mesej
hees. mee|Jeme (Fbef[ee) heeFJes efueefces[, cegbyeF& kees Yespe mekeles nQ. Ssmes MesejOeejke
efpevekeer Mesej Oeeefjlee [erces (Fueske^eefveke) he ceW nw Jes yeQke KeeleeW kes efJeJejCe,
MesejOeejke Deeefo kes heles kees DeefveJeee& he mes Deeleve yeveeves kes efueS Deheves
ef[heeefpejer menYeeieer mes mecheke& kejW.
9.13
oeJee veneR efkeS ieS yeQke kes F&eqkeJeer MesejeW kes mebyebOe ceW meteeryelee kejej kes
KeC[ 5S(II) kes Debleie&le Dehesef#eleevegmeej yeQke ves DeeJeMeke keoce Geee nw.
Jeeef<e&ke efjHees&
2011 - 2012 | 60
efveosMeke ceb[ue
osvee yeQke
cegbyeF&
10.
nce Sleeje 31 ceee&, 2012 kees meceehle efJeeere Je<e& kes efueS efJeeere efJeJejCeeW leLee
vekeoer heJeen efJeJejCeeW keer meceer#ee SJeb Deheveer meJeexlece peevekeejer Je efJeeeme kes DeeOeej
hej heceeefCele kejles nQ efke i. Fve efJeJejCeeW ceW Yeewefleke he mes keesF& ieuele efJeJejCe veneR nw DeLeJee FveceW mes
keesF& Yeewefleke leLe neS veneR ieS nQ DeLeJee FveceW Ssmee keesF& efJeJejCe veneR nQ pees
iegcejen kejles neW;
ii. es efJeJejCe Ske meeLe yeQke kes keece keepe keer Ske meeer Je mJe efJe hemlegle
kejles nQ, meeLe ner es yeQke kes efJeeere heefjCeeceeW ceW heke efkeS ieS heeefuele
uesKeebkeve ceevekeeW, heeespe efJeefOeeeW Je efJeefveeceeW kes Devegheeueve kes Deveghe nQ.
iii. nceejer meJeexece peevekeejer Je efJeeeme kes Devegmeej, Je<e& 2010-2011 kes oewjeve
yeQke eje Ssmee keesF& uesve-osve veneR efkeee ieee pees kehehetCe&, DeJewOe DeLeJee yeQke
keer Deeeej mebefnlee kee GuuebIeve kejvesJeeuee jne nes efmeJeee Gmekes efpemekeer
efjhees& efveosMeke ceb[ue / Yeejleere efjpeJe& yeQke kees kej oer ieF& nw.
iv. nce Deebleefjke efveeb$eCeeW kees mLeeefhele kejves SJeb Gvekees yeveeS jKeves kee oeefelJe
mJeerkeej kejles nQ. nceves yeQke keer Deebleefjke efveeb$eCe heCeeueer keer heYeeJeelceee
kee cetueebkeve efkeee nw SJeb nceves Deebleefjke efveeb$eCe heCeeueer kes mJehe Je
heefjeeueve mes mebyebefOele Gve keefceeeW efpevemes nce DeJeiele nQ, kes yeejs ceW uesKee
hejer#ekeeW Je uesKee hejer#ee meefceefle kees yelee efoee nw leLee nceves Fve keefceeeW kees
megOeejves kes efueS Dehesef#ele keoce GeS nQ.
v. nce hegve heceeefCele kejles nQ efke :
1. Je<e& kes oewjeve Deebleefjke efveeb$eCe heCeeueer ceW keesF& cenlJehetCe& heefjJele&ve veneR ngS
nQ;
2. Fme Je<e& kes oewjeve uesKeebkeve veerefleeeW ceW keesF& cenlJehetCe& heefjJele&ve veneR ngS nQ
efmeJeee Gmekes efpevnW yeQke kes efJeeere heefjCeeceeW ceW heke kej efoee ieee nw;
3. efveosMeke ceb[ue / Yeejleere efjpeJe& yeQke kees keer ieF& efjhees& kees es[kej, heyebOeve
DeLeJee efkemeer kece&eejer efpemekeer cenlJehetCe& Yetefcekee yeQke keer Deebleefjke efveeb$eCe
heCeeueer ceW nw, kes Ssmes efkemeer cenlJehetCe& ue-kehe kes keesF& GoenjCe veneR jns nQ
efpememes SJeb mebyebefOeleeW mes nce DeJeiele vener nes ieS nQ. peye keYeer keesF& OeesKeeOe[er
Gpeeiej ngF& nw lees mebyebefOele kece&eejer kes efJe DeeJeMeke DevegMeemeefveke
keej&JeeF& keer ieF& nw. YeefJe<e ceW Fmekes efveJeejCe mebyeOeer DeeJeMeke Gheee Yeer
efvejblej he mes efkeS pee jns nQ.
Sme.kes.pewve)
(S.kes.oe)
cene heyebOeke
keee&heeueke efveosMeke
(efJee heyebOeve/jepekees<e)
efoveebke : 08.05.2012
mLeeve : cegbyeF&
(vethegj efce$ee)
DeOe#e SJeb
heyebOeke efveosMeke
We hereby certify that for the financial year, ending 31st March,
2012 on the basis of the review of the financial statements and the
cash flow statement and to the best of our knowledge and belief
that :i.
ii.
1.
2.
3.
(S. K. Jain)
(A. K. Dutt)
General Manager
Executive Director
(Fin Mgmt./Treasury)
Date: 8.05.2012
Place: Mumbai
(Nupur Mitra)
Chairperson &
Managing Director
mesJee ceW,
efveosMeke ceb[ue
osvee yeQke, heOeeve keeee&uee
osvee keeheexjs meWj, meer-10, `peer' yuee@ke,
yeebe-keguee& kee@cheueskeme, yeebe (hetJe&)
cegbyeF& - 400 051,
To
The Board of Directors,
Dena Bank,
Head office, Dena Corporate Centre
C-10, G Block, Bandra Kurla Complex,
Bandra (East), Mumbai - 400 051.
osvee yeQke eje Yeejleere je^ere me@ke SkemeeWpe efueefces[ (SveSmeF&), cegbyeF&
me@ke SkemeeWpe (yeerSmeF&) kes meeLe efkeS ieS meteeryelee kejej (mecee mecee hej
eLee DeeMeesefOele) kes Keb[ 49 ceW eLee efveOee&efjle 31 ceee&, 2012 kees meceehle Je<e& kes
efueS osvee yeQke eje keeheexjs DeefYeMeemeve keer MeleeX kes Devegheeueve keer nceves peeBe keer
nw.
keeheexjs DeefYeMeemeve keer MeleeX kes Devegheeueve kee oeefelJe heyebOeve kee nw. nce ves peeBe
keej&JeeF&, keeheexjs DeefYeMeemeve keer MeleeX kee Devegheeueve megefveeqele kejves kes efueS
yeQke eje Deheveeeer ieF& keee&efJeefOe Deewj keeee&vJeeve kejves leke meerefcele Leer. en ve
lees uesKeehejer#ee nw Deewj ve ner yeQke kes efJeeere efJeJejCeeW hej cebleJe keer DeefYeJeefe nw.
nceejer jee ceW Deewj nceejer meJeexece peevekeejer Deewj nceW heoe mheerkejCeeW kes
Devegmeej nce heceeefCele kejles nQ efke meeceevele yeQke ves Gheeg&e meteeryelee kejej kes
Gheeg&e GequueefKele Keb[ 49 ceW eLee efveOee&efjle keeheexjs DeefYeMeemeve keer Meleex kee
Devegheeueve efkeee nw. peye leke Jes Yeejle mejkeej / Yeejleere efj]peJe& yeQke eje peejer
efoMeeefveoxMees mes Demebiele veneR nw.
We certify that, in our opinion and to the best of our information and
according to the explanations given to us, the Bank has complied
with the conditions of Corporate Governance as stipulated in the
above-mentioned Clause 49 of the listing agreements, so far as they
are not inconsistent with the guidelines issued by the Government
of India/ Reserve Bank of India.
nce en kenvee eenles nQ efke yeQke kes jefpem^ej SJeb DeblejCe DeefYekelee& eje eLee
heceeefCele yeQke kes efveJesMeke mes mebyebefOele keesF& Yeer efMekeeele Ske ceen mes DeefOeke mecee
kes efueS uebefyele veneR nw.
nce en Yeer kenvee eenles nQ efke Ssmee Devegheeueve ve lees yeQke keer YeeJeer JeJenee&lee kes
he ceW Deeeemeve nw Deewj ve ner Gme keee&#ecelee Deewj heYeeJeelcekelee kee, efpemes heyebOeve
Jeie& ves yeQke kes keecekeepe kes efueS leweej efkeee nw.
ke=les heer.kes.eeshe[e
SC[ keb
meveoer uesKeekeej
ke=les Sme.Sve.OeJeve
SC[ keb
meveoer uesKeekeej
For S N Dhawan
For Avanish K
Co.
& Co.
Associates.
Chartered Accountants
Chartered Accountants
Co.
& Co.
Chartered Accountants
Chartered Accountants
osJeoee ceeFvekej
Devdatta Mainkar
YeteEheoj eEmen
Bhupinder Singh
kes.Sme.heesVegmJeeceer
K S Ponnuswami
megjsMe mes
Suresh Seth
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Sce veb. M No 109795 Sce veb. M No 092867 Sce veb. M No 070276 Sce.veb M No 010577
FRN 105102W
FRN 000458N
FRN 006747N
FRN 000050N
DeefJeveeMe kes.jmleesieer
peehekeeMe ieghlee
Avanish K Rastogi
Yeeieeroej Partner
Sce.veb M No 072506
Yeeieeroej Partner
Sce.veb M No 088903
FRN 003449C
FRN 115649W
Sce.Smemeer, meer.S.DeeF&.DeeF&.
yeer,Sce.yeer.S,[ermeerS
Sce.Smemeer, Sue.Sue.yeer, heer.Se.[er
yeer.kee@ce, Sce.yeer.S (HeeFveevme)
Sce.S (DeLe& Meem$e),
meer.S.DeeF&.DeeF&.yeer
Sce.S (DeLe& Meem$e)
yeer.kee@ce, meer.S.DeeF&.DeeF&.yeer (I)
Sce.kee@ce
56
51
46
54
53
57
58
eer S.kes.oe
eer Sme.kes.efpevoue
eer yeer.heer.efJepeeW
eer Sve.Sme.efJeeveeLeve
eer Sme.heer.Mecee&
Shri A.K.Dutt
Executive Director
keee&heeueke efveosMeke
M.Com
M.A. (Economics)
B.SC, LLB
yeer.Smemeer, Sue.Sue.yeer.
59
B.Sc.(Hons), CAIIB
yeer.Smemeer
(Dee@veme&)meer.S.DeeF&.DeeF&.yeer
60
Shri D. L. Rawal
Qualification
Mew#eefCeke eesielee
eer [er.Sue.jeJeue
Deeeg
Je<eeX ceW
hekeej
TYPE
Age
(Yrs.)
veece
Name
Sr.
No.
e.
meb
18.02.2010 mes to
30.11.2012 leke
30.11.2011 mes to
30.06.2014 leke
30.07.2010 mes to
29.05.2011 leke
10.06.2008 mes to
01.12.2011 leke
01.03.2010 mes to
31.01.2014 leke
01.11.2011 mes to
31.12.2012 leke
01.01.2009 mes to
31.10.2011 leke
Tenure
keee&keeue
Nil
Metve
Nil
Metve
Nil
Nil
Metve
1. DeeF&.SHe.meer.DeeF IFCI
2. er.SHe.meer.DeeF&. TFCI
leke Metve
leke
NIL
Metve
NIL
Metve
NIL
Metve
1. Agricultural Finance
Corporation Ltd.
Nil
Metve
Nil
Metve
Nil
Metve
Nil
Metve
Nil
Metve
NIL
Metve
100
NIL
Metve
Nil
Metve
MesejOeeefjlee
Shareholding
DevegyebOe ke Annexure A
efveosMekeeW kes efJeJejCe (31 ceee&, 2012 kees meceeHle Je<e& kes oewjeve) PARTICULARS OF DIRECTORS (during the year ended 31st March, 2012)
Jeeef<e&ke efjHees&
2011 - 2012 | 62
58
48
12
11
62
Shri J. Balasubramanian
eer pes.yeeuemegyeceefCeeve
Deeeg
Je<eeX ceW
10
hekeej
TYPE
Age
(Yrs.)
veece
Name
Sr.
No.
e.
meb
B.Com., LL.B
yeer.kee@ce., Sue.Sue.yeer
Qualification
Mew#eefCeke eesielee
12.10.2011 mes to
11.10.2014 leke
02.08.2011 mes to
01.08.2014 leke
30.06.2011 mes to
29.06.2014 leke
Tenure
keee&keeue
hee. efueefces*
1.
2.
3.
4.
NIL
Metve
Nil
Metve
MesejOeeefjlee
Shareholding
DevegyebOe ke Annexure A
efveosMekeeW kes efJeJejCe (31 ceee&, 2012 kees meceeHle Je<e& kes oewjeve) PARTICULARS OF DIRECTORS (during the year ended 31st March, 2012)
yeer.kee@ce, SHemeerS,
SHeDeeF&meer[yuetS, heer.Se[er
Shareholder Director
MesejOeejke efveosMeke
45
14
Shareholder Director
MesejOeejke efveosMeke
70
Qualification
Mew#eefCeke eesielee
Deeeg
Je<eeX ceW
13
hekeej
TYPE
Age
(Yrs.)
veece
Name
Sr.
No.
e.
meb
17.03.2009 mes to
16.03.2012 leke
17.03.2012 mes to
16.03.2015 leke
Tenure
keee&keeue
efueefces[
1.
International Management
Institute (Director General)
(cene efveosMeke )
500
500
MesejOeeefjlee
Shareholding
Annexure A
efveosMekeeW kes efJeJejCe (31 ceee&, 2012 kees meceeHle Je<e& kes oewjeve) PARTICULARS OF DIRECTORS (during the year ended 31st March, 2012)
Jeeef<e&ke efjHees&
2011 - 2012 | 64
Shareholder Director
MesejOeejke efveosMeke
48
17
B.Com, CAIIB
yeer.kee@ce, meer.S.DeeF&.DeeF&.yeer.
Shareholder Director
MesejOeejke efveosMeke
67
16
B.Com.(Hons)FCA
yeer.kee@ce(Dee@veme&) SHemeerS
Shareholder Director
MesejOeejke efveosMeke
53
Qualification
Mew#eefCeke eesielee
Deeeg
Je<eeX ceW
15
hekeej
TYPE
Age
(Yrs.)
veece
Name
Sr.
No.
e.
meb
17.03.2012 mes to
16.03.2015 leke
17.03.2012 mes to
16.03.2015 leke
17.03.2009 mes to
16.03.2012 leke
Tenure
keee&keeue
Metve
NIL
1.
2.
3.
4.
5.
6.
900
150
1600
MesejOeeefjlee
Shareholding
DevegyebOe ke Annexure A
efveosMekeeW kes efJeJejCe (31 ceee&, 2012 kees meceeHle Je<e& kes oewjeve) PARTICULARS OF DIRECTORS (during the year ended 31st March, 2012)
Jeeef<e&ke efjHees&
2011 - 2012 | 66
efoveebke 31.03.2012 kees ceb[ue keer meefceefleeeW kes ieve keer eqmLeefle COMPOSITION OF COMMITTEE OF THE BOARD as on 31.03.2012
heyebOeve meefceefle
meefceefle
COMMITTEE
DeOe#e CHAIRMAN
eerceleer vethegj efce$ee
Management Committee
Audit Committee
Shri J Balasubramanian
heeefjeefceke meefceefle
Remuneration Committee
eer Deej.Sce.osmeeF&
Devegheeueve meefceefle
Compliance Committee
Shri J Balasubramanian
veeceebkeve meefceefle
Nomination Committee
Committee on HR
meome MEMBERS
eer S.kes. oe Shri A.K. Dutt,
eer Sve.Sme. efJeeveeLeve Shri N.S. Vishwanathan,
eer pes. yeeuemegyeceefCeeve Shri J. Balasubramanian,
[e@. heerlece eEmen Dr. Pritam Singh,
eer Deej.Sce. osmeeF& Shri R.M. Desai,
eer cegkesMe ceesnve Shri Mukesh Mohan
eer S.kes. oe Shri A.K. Dutt,
eer Sme.kes. eEpeoue Shri S.K. Jindal,
eer Sve.Sme. efJeeveeLeve Shri N.S. Vishwanathan,
eer jekesMe ieeseue Shri Rakesh Goel
eer Sve.Sme.efJeeveeLeve Shri N.S. Vishwanathan,
[e@. heerlece eEmen Dr. Pritam Singh,
eer cegkesMe ceesnve Shri Mukesh Mohan
eer S.kes. oe Shri A.K. Dutt,
eer DeeF&.Sce. Deuces[e Shri I.M. Almeida,
eer S.kes. oe Shri A.K. Dutt,
eer pes. yeeuemegyeceefCeeve Shri J. Balsubramanian,
eer Deej.Sce. osmeeF& Shri R.M. Desai
eer S.kes. oe Shri A.K. Dutt,
eer Sme.kes. eEpeoue Shri S.K. Jindal,
eer DeeF&.Sce Deuces[e Shri I.M. Almeida,
[e@ heerlece eEmen Dr. Pritam Sing
eer S.kes.oe Shri. A.K. Dutt,
eer DeeF&.Sce.Deuces[e Shri I.M. Almeida,
eer S.kes.oe Shri A.K. Dutt,
eer Sme.kes.eEpeoue Shri S.K. Jindal,
eer DeeF&.Sce.Deuces[e Shri I.M. Almeida,
eer efJepee kehetj Shri Vijay Kapoor
eer S.kes.oe Shri A.K. Dutt,
eer Sme.kes.eEpeoue Shri Rakesh Goel,
eer Deej.Sce.osmeeF& Shri R.M. Desai
eer S.kes.oe Shri A.K. Dutt,
eer Sme.kes.eEpeoue Shri S.K. Jindal
eer DeeF&.Sce.Deuces[e Shri I.M. Almeida,
eer pes. yeeuemegyeceefCeeve Shri J. Balasubramanian,
eer efJepee kehetj Shri Vijay Kapoor
eer S.kes.oe Shri A.K. Dutt,
eer DeeF&.Sce.Deuces[e Shri I.M. Almeida
eer S.kes.oe Shri A.K. Dutt,
eer Sme.kes.eEpeoue Shri S.K. Jindal,
[e@. heerlece eEmen Dr. Pritam Singh,
eer Deej.Sce.osmeeF& Shri R.M. Desai
eer S.kes.oe Shri A.K. Dutt,
ceneheyebOeke (meeKe) General Manager (Credit)
ceneheyebOeke (uesKee) General Manager (Accounts)
ceneheyebOeke (peesefKece heyebOeve) General Manager
(Risk Management)
eer Sme.kes.eEpeoue
eer Sve.Sme.efJeeveeLeve
eer DeeF&.Sce.Deuces[e
eer pes.yeeuemegyeceefCeeve
10
11
12
Shri J. Balasubramanian
Shri I. M. Almeida
Shri S. P. Sharma
Shri S. K. Jindal
Shri A. K. Dutt
eer S.kes.oe
veece
Name
Sr.
No.
ece meb
1/1
1/1
13/13
5/6
7/8
10/10
12/13
5/5
9/11
4/4
13/13
5/5
Attended /
Held
0/0
0/0
7/8
--
3/7
11/12
12/12
--
13/13
--
15/15
7/7
Attended /
Held
--
--
0/1
2/2
1/1
7/7
6/7
3/3
8/8
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
0/0
--
1/1
--
--
--
--
--
0/0
0/0
--
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
GheeqmLele /
Deeeesepf ele
Remuneration
Committee
Meeting
GheeqmLele /
Deeeesepf ele
Management Audit
Committee
Committee
Meeting
Meeting
Board
Meeting
ceb[ue yewke
--
0/0
--
--
--
--
4/5
--
--
--
5/5
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
--
0/0
1/1
--
--
3/3
--
--
--
--
4/4
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Committee
Meeting
--
--
0/0
--
--
--
3/4
--
--
1/1
4/4
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Committee
Monitoring
Large Value
Frauds
Meeting
--
0/0
--
--
--
--
--
--
--
--
5/5
3/3
Attended /
Held
GheeqmLele /
Deeeesepf ele
--
--
4/4
--
0/0
--
4/4
--
--
1/2
4/4
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Sme.DeeF&.peer. meceeqvJele
ye[s cetue Jeeueer Mesej DeblejCe ieenke mesJee
meer yewke
peeseKf ece heyebOeve OeesKeeOeef[eeW meefceefle yewke meefceefle yewke
SIGC
meefceefle yewke keer efveiejeveer Share Transfer Customer
Meeting
Committee
Service
Integrated
meefceefle keer
Meeting
Committee
Risk
yewke
Meeting
Management
--
0/0
2/2
0/0
--
--
--
--
--
--
2/2
1/1
Attended /
Held
GheeqmLele /
Deeeesepf ele
Information
Technology
Committee
Meeting
metevee
lekeveerke
meefceefle yewke
--
--
--
--
--
2/2
--
--
--
1/1
2/2
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
Compliance
Committee
Meeting
Devegheeueve
meefceefle yewke
--
--
--
--
1/2
2/2
2/2
--
--
1/1
--
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
Nomination
Committee
Meeting
veeceebkeve
meefceefle yewke
HR
--
--
--
--
--
--
1/2
--
--
--
2/2
1/2
Attended/
Held
--
0/0
0/0
--
--
--
--
--
--
0/0
0/0
0/0
Attended/
Held
GheeqmLele / GheeqmLele /
Deeeesepf ele Deeeesepf ele
12/12
12/12
Attended/
Held
GheeqmLele /
Deeeesepf ele
Credit
Approval
Committee
Preferential Committee
Share Issue
Committee
DeefOeceeveer
Mesej FMet
meefceefle
[e lejmesce ebo
eer yeer.heer.efJepeeW
Shri B P Vijayendra
eer [er.Sue.jeJeue
Shri D L Rawal
Name
veece
Sl.
No.
ece
meb
Dates of
Meeting
20.05.11
27.08.11
14.10.11
06.01.12
03.03.12
20.05.11
29.04.11
29.07.11
21.08.11
14.10.11
31.10.11
06.02.12
17.03.12
27.03.12
28.04.11
20.05.11
16.06.11
18.07.11
29.07.11
27.08.11
15.09.11
29.09.11
11.11.11
26.11.11
13.12.11
09.01.12
28.01.12
03.03.12
20.03.12
29.04.11
20.05.11
16.06.11
18.07.11
29.07.11
27.08.11
29.09.11
31.10.11
26.11.11
06.01.12
06.02.12
10.03.12
27.03.12
yewke keer
leejerKe
5/5
--
--
--
--
Attended /
Held
Dates of
Meeting
yewke keer
leejerKe
1/1
0/0
1/1
1/1
--
Attended /
Held
Dates of
Meeting
yewke keer
leejerKe
2/2
3/5
1/1
4/5
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
Dates of
Meeting
21.08.11
17.03.12
16.06.11
06.01.12
16.06.11
29.09.11
13.12.11
10.03.12
20.05.11
27.08.11
26.11.11
06.01.12
03.03.12
16.06.11
27.08.11
26.11.11
10.03.12
16.06.11
27.08.11
26.11.11
10.03.12
yewke keer
leejerKe
--
--
--
1/1
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
Dates of
Meeting
yewke keer
leejerKe
2/2
--
--
--
1/1
Attended /
Held
GheeqmLele /
Deeeesepf ele
Dates of
Meeting
yewke keer
leejerKe
--
--
--
1/2
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Dates of
Meeting
yewke keer
leejerKe
5/5
--
--
--
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Compliance
Committee
Meeting
Devegheeueve
meefceefle yewke
Dates of
Meeting
yewke keer
leejerKe
--
3/4
--
2/3
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Committee
Monitoring
Large Value
Frauds
Meeting
Information
Technology
Committee
Meeting
metevee
lekeveerke
meefceefle yewke
Dates of
Meeting
yewke keer
leejerKe
3/4
2/2
Attended /
Held
GheeqmLele /
Deeeesepf ele
Committee
Meeting
Customer
Service
Committee
Meeting
ieenke mesJee
meefceefle yewke
14.10.11
27.02.12
Dates of
Meeting
yewke keer
leejerKe
--
--
--
0/1
--
Attended /
Held
GheeqmLele /
Deeeesepf ele
Nomination
Committee
Meeting
veeceebkeve
meefceefle yewke
13.03.12
29.03.12
Dates of
Meeting
yewke keer
leejerKe
--
--
--
--
--
Attended/
Held
GheeqmLele /
Deeeesepf ele
Preferential
Share
Issue
Committee
--
Dates of
Meeting
yewke keer
leejerKe
--
--
--
--
--
Attended/
Held
GheeqmLele /
Deeeesepf ele
HR
Committee
19.01.12
25.01.12
31.01.12
07.02.12
11.02.12
23.02.12
29.02.12
13.03.12
15.03.12
22.03.12
26.03.12
30.03.12
Dates of
Meeting
yewke keer
leejerKe
Credit
Approval
Committee
Sme.DeeF&.peer. meceeqvJele
ye[s cetue Jeeueer Mesej DeblejCe
meer. yewke
peeseKf ece heyebOeve OeesKeeOeef[eeW meefceefle yewke
SIGC
meefceefle yewke keer efveiejeveer Share
Meeting
Transfer
Integrated
meefceefle keer
Committee
Risk
Meeting
Management yewke
Dates of
Meeting
yewke keer
leejerKe
8/9
6/8
2/2
--
8/8
Attended /
Held
GheeqmLele /
Deeeesepf ele
Remuneration
Committee
Meeting
heeefjeefceke
meefceefle yewke
Dates of
Meeting
yewke keer
leejerKe
11/12
9/12
2/2
9/9
8/8
Attended /
Held
GheeqmLele /
Deeeesepf ele
GheeqmLele /
Deeeesepf ele
Audit
Committee
Meeting
GheeqmLele /
Deeeesepf ele
Management
Committee
Meeting
Board
Meeting
ceb[ue yewke
efveosMekeeW keer GheeqmLeefle kee efJeJejCe efpevekee keee&keeue Je<e& 2011-2012 kes oewjeve meceehle nes ieee nw
Jeeef<e&ke efjHees&
2011 - 2012 | 68
eer Sme.kes.pewve
ceneheyebOeke (uesKee)
eer S.meer.keleeue
ceneheyebOeke (DeeF&.Deej.Sce)
eer Sce.kes.Yeeefee
ceneheyebOeke (meeKe)
eer Sme.kes.Mecee&
ceneheyebOeke (cee.meb.he.)
10
Sh S.K. Sharma
General Manager (HRM)
Sh M.K. Bhatia
General Manager (Credit)
Sh A.C. Katial
General Manager (IRM)
Sh N. Rama Rao
General Manager (RML)
Sh S. Kumar
General Manger (IRM)
eer Sme.kegceej
ceneheyebOeke (DeeF&.Deej.Sce)
Sh S.K. Jain
General Manager (Accts.)
eer S.kes.oe
(keee&heeueke efveosMeke)
efveosMeke
Director
Sr.
No.
ece
meb
--
Ghe. P
--
--
Ghe. P
--
--
Ghe. P
Ghe. P
Ghe. P
19.01.12
--
Ghe. P
--
--
Ghe. P
--
--
Ghe. P
Ghe. P
Ghe. P
23.01.12
--
Ghe. P
--
--
Deveg. A
--
Ghe. P
Ghe. P
Ghe. P
Ghe. P
31.01.12
--
Ghe. P
--
--
Deveg. A
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
07.02.12
--
Ghe. P
--
--
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
11.02.12
Ghe. P
Ghe. P
--
--
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
23.02.12
--
Ghe. P
--
--
Ghe. P
Ghe. P
--
Ghe. P
Ghe. P
Ghe. P
29.02.12
--
Ghe. P
Ghe. P
Ghe. P
--
Ghe. P
Ghe. P
Deveg. A
Ghe. P
Ghe. P
13.03.12
--
Ghe. P
Ghe. P
--
--
Ghe. P
--
Deveg. A
Ghe. P
Ghe. P
15.03.12
--
Ghe. P
Ghe. P
Ghe. P
--
Ghe. P
--
Ghe. P
Ghe. P
Ghe. P
22.03.12
10
--
Ghe. P
Ghe. P
--
--
Ghe. P
--
Ghe. P
Ghe. P
Ghe. P
26.03.12
11
--
Ghe. P
Ghe. P
--
Ghe. P
Ghe. P
Ghe. P
Ghe. P
Ghe. P
30.03.12
12
1/1
12/12
4/5
3/3
5/7
9/9
6/6
10/12
12/12
12/12
GheeqmLeefle
Attendance
Je<e& 2011-2012 kes oewjeve ceb[ue kes meeKe Devegceesove meefceefle keer yewke ceW meomeeW keer GheeqmLeefle kes efJeJejCe
DETAILS OF ATTENDANCE OF MEMBERS ATTENDED MEETING OF THE CREDIT APPROVAL COMMITTEE OF THE BOARD HELD DURING THE YEAR 2011-2012.
Jeeef<e&ke efjHees&
2011 - 2012 | 70
yeQke Dee@He Fbef[ee ceW uebyes yeQeEkeie kewefjej kes oewjeve Jen Sme Sce F& #es$e kees efJeeereve,
efjsue yeQeEkeie GlHeeo leLee kee@Heexjs meeKe keer erce kee vesle=lJe kej jner Leer. Fbef[eve
DeesJejmeerpe yeQke kes keee&Heeueke efveosMeke kes He ceW GvneWves ye[s kee@Heexjs, Debleje&^ere
yeQeEkeie, jepekees<e, efJeeere meceeJesMeve, peesefKece eyebOeve, ceeveJe mebmeeOeve eyebOeve,
keejesyeej eefeee Hegveie&ve leLee pevemebHeke& efJeYeeie kee vesle=lJe efkeee. Gvnesbves keF&
meccesueveeW ceWs Yeeie efueee. Gvnesbves Yeejleere yeQke mebIe, Yeejleere efjpeJe& yeQke leLee Yeejle
mejkeej keer efJeefYeVe meefceefleeesb kes meome kes He ceW Yeer keee& efkeee. Jes Yeejleere yeQke
mebIe keer uesKeebkeve ceeveke leLee kej keer meefceefle keer meome, Yeejle mejkeej, efJee
ceb$eeuee keer Jeeef<e&ke efve<Heeove cetueebkeve efjHees& keer meefceefle keer meome, eeLeefcekelee
#es$e GOeej JeieeakejCe Deeefo kes mebyebOe ceW efJeeceeve JeieeakejCe keer Hegve:peebe leLee
mebMeesefOele efoMeeefveosMeeW kes mebyeOe ceW Yeejleere efjpeJe& yeQke keer meefceefle keer meome Yeer
jner.
eer S.kes.oe keee&heeueke efveosMeke kes he ceW 1 ceee&, 2010 kees efveege efkeS ieS.
osvee yeQke ceW mesJeejbYe mes henues, eer oe 1978 mes Fueeneyeeo yeQke ceW efJeefYeVe heoeW hej
keee&jle jns. Fueeneyeeo yeQke ceW Deheves keee&keeue kes oewjeve eer oe keee|ceke heMeemeve,
kee@heexjs keeee&uee, efJeefYeVe #es$eere leLee Debeue keeee&ueeeW leLee ceneheyebOeke, meeKe
efJeYeeie, heOeeve keeee&uee ceW heomLe jns.
eer oe F&.Sce.meer. efueefces[ ceW efveosMeke leLee yeQkeme& keueye, keesuekeelee kes ceeveo
meefeJe Yeer jns.
Mr. Dutt was a Director on EMC Ltd and Hon. Secretary of Bankers
eer oe efJe%eeve ceW mveelekeesej GheeefOe heehle (mJeCe& heoke efJepeslee) Deewj Fbef[eve
Fbeqmet Dee@He yeQkeme& kes mee|HeeF[ Demeesefmees (meer.S.DeeF&.DeeF&.yeer.) nQ.
GvneWves Sce.yeer.S. ef[ieer leLee kebhetj DeheefuekesMeve ceW ef[hueescee Yeer heehle efkeee nw.
eer oe ves kesueesie mketue Dee@He cewvespeceQ, veew&Jesmve& etefveJee|meer, et.Sme.S. leLee
keWefyepe etefveJee|meer, et.kes. kes meccej mketue eje Deeeesefpele ueer[jefMehe [sJeueheceW
Hee@j keeheexjs SkemeerueWme hej heefMe#eCe Yeer heehle efkeee nw.
eer mebpeerJe kegceej efpeboue 02.12.2011 mes yeQke kes efveosMeke ceb[ue ceW Yeejle
mejkeej kes HeefleefveefOe nQ. Jele&ceeve ceW Jes efJelle ceb$eeuee, efJelleere mesJeeSb efJeYeeie, Yeejle
mejkeej, veF& efouueer ceW efveosMeke nQ. Gvekeer Mew#eefCeke eesieleeDeeW ceW Meeefceue nQ [etke
etefveJeefme&er, et.Sme.S. mes FbjvesMeveue [sJeueHeceW Hee@efuemeer Heesieece ceW ceemj ef[ieer
leLee Hebpeeye etefveJeefme&er, eb[erie{ mes ceemj Dee@He efJeefpevesme S[efceefvem^sMeve (efJelle
ceW efJeMes<e%elee) Meeefceue nQ.
2010. Prior to joining the Bank, Mr. Dutt was working at Allahabad
Bank since 1978 in various capacities. During his time with
Allahabad Bank, Shri Dutt was posted in Personnel Administration
at Corporate Office, Regional Head and Zonal Head at different
Offices and General Manager, Credit Dept. at Corporate Office.
Club, Kolkata.
Certified Associate of Indian Institute of Bankers (CAIIB). He
also holds MBA Degree and Diploma in Computer Applications.
Mr. Dutt has attended Training on Leadership Development for
Corporate Excellence organized by Kellog School of Management,
Northwestern University, USA and Summer School at Cambridge
University, U.K.
Board of the Bank since 02.12.2011. He is presently Director in the
Ministry of Finance, Department of Financial Services, Government
of India, New Delhi. His academic qualifications include Masters
Degree in Program on International Development Policy from
the Duke University, USA and Master of Business Administration
(specialization in Finance) from Punjab University, Chandigarh.
Shri Jindal is a career Civil Servant with over 21 years of rich and
eer efpeboue ves etveeFs[ FbMetjWme keb.efue. leLee etveeFs[ yeQke Dee@He Fbef[ee kes efveosMeke
ceb[ue ceW Yeer keee& efkeee. Jele&ceeve ceW Jes DeeF&.SHe.meer.DeeF&. efue., tefjpce HeeFveWme
keeHeexjsMeve Dee@He Fbef[ee efue.leLee efmebeeF& Deewj peue mebmeeOeve efJelle efveiece efue. kes
efveosMeke ceb[ue ceW nwb.
eer Sve.Sme.efJeMJeveeLeve yeQke kes efveosMeke ceb[ue ceW 30.05.2011 mes Yeejleere
efjpeJe& yeQke kes HeefleefveefOe nQ. Gvekes Heeme keuee (DeLe&Meee)ceW mveelekeesllej ef[ieer nw.
eer efJeMJeveeLeve kes Heeme kesvere yeQke ceW keee& kejves kee leerve oMeke mes Yeer DeefOeke
kee DevegYeJe nw Deewj Jes Jele&ceeve ceW leefceuevee[g leLee Heg[d[gesjer kes efueS Yeejleere efjpeJe&
yeQke kes #es$eere efveosMeke nQ. Yeejleere efjpeJe& yeQke ceW Gvekes kewefjej kes oewjeve GvneWves
keWere yeQke kes efJeefYevve efJeYeeieeW ceW keee& efkeee pewmes Menjer yeQke efJeYeeie Deeefo. Jele&ceeve
lewveeleer mes Henues GvneWves yewbke Dee@He ceewefjefmeeme ceW efveosMeke Hee&Jes#eCe kes Heo Hej Yeer
keee& efkeee.
eer Sme.Heer.Mecee& keeceieej kece&eejer efveosMeke kes jHe ceW efveegkele efkees iees nQ. Jes
JeeefCepe ceW mveeleke nQ.
GvneWves 1979 ceW yeQke ceW mesJee DeejbYe keer. GvneWves yeQke keer Deveske MeeKeeDeeW ceW keee&
efkeee Deewj Jele&ceeve ceW Jes nceejer mesJee MeeKee, veF& efouueer ceW keee&jle nwb.
eer Sme.Heer.Mecee& DeefKeue Yeejleere osvee yeQke kece&eejer mecevJee meefceefle leLee osvee
yeQke kece&eejer mebIe kes cenemeefeJe, S DeeF& yeer F& S mes mebye leLee efouueer jepe yeQke
kece&eejer cenemebIe kes meefeJe nQ.
eer DeeF& Sce. Deuces[e mejkeej eje veeefcele DeefOekeejer kece&eejer efveosMeke kes he
ceW efveege nQ. Jes JeeefCepe Meem$e ceW mveelekeesej nQ. eer Deuces[e ves 1976 ceW yeQke
ceW mesJeejbYe keer. Jele&ceeve ceW, Jes DeefKeue Yeejleere osvee yeQke DeefOekeejer mebIe, cegbyeF&
etefve kes cene meefeJe Deewj DeefKeue Yeejleere osvee yeQke DeefOekeejer cenemebIe kes Yeer
cene meefeJe nQ. Jes DeefKeue Yeejleere yeQke DeefOekeejer keveHes[jsMeve kes Ghe cene meefeJe
Yeer nQ Deewj DeefKeue Yeejleere je^ereke=le yeQke DeefOekeejer cenemebIe kes mebege cene
meefeJe nQ.
eer pes.yeeueemegyeceefCeeve kees yeQke kes efveosMeke ceb[ue cesW meveoer uesKeekeej esCeer
kes Debleie&le DebMekeeefueke iewj-mejkeejer efveosMeke kes jHe ceW Yeejle mejkeej eje 30
petve, 2011 mes veeefcele efkeee ieee nw. Jes JeeefCepe ceW mveeleke nQ Deewj Fbmerdet
Deewj ee&[ DekeeGWdme DeewHe Fbef[ee kes Hesuees meome nQ. Fmekes Deefleefjkele Gvekes
Heeme efJeefOe ceW ef[ieer leLee kej SJeb ece keevetve ceW Yeer ef[Hueescee nw. Jes meveoer uesKeekeej
kes jHe ceW JeJemeee kej jns nQ leLee HeyebOeve SJeb kej HejeceMe& mesJeeSb Heoeve kej
jns nQ.
eer efJepee keHetj yeQke kes efveosMeke ceb[ue ceW 02.08.2011 mes DebMekeeefueke iewj
mejkeejer efveosMeke kes jHe ceW efveegkele efkees iees nQ. eer keHetj JeeefCepe SJeb efJeefOe
ceW mveeleke nQ Deewj Ske HecegKe GeesieHeefle nQ. Jes efHeues 14 Je<e& mes keeveHegj efpeuee
is a graduate in Commerce.
Jeeef<e&ke efjHees&
2011 - 2012 | 72
Jes et.Heer.SkemeHees& keeGbefmeue leLee vetvelece cepeotjer meueenkeej meefceefle, Gllej HeosMe
kes YetleHetJe& meome nQ. eer efJepee keHetj kes Heeme JeeHeke JeeefCeeqpeke Deewj Deeweesefieke
DevegYeJe kes DeueeJee Jes Ske meeceeefpeke jHe ceW meefkee Jeefkele nQ. Jes iebiee keueye efue.,
keeveHegj kes DeOe#e Yeer nQ.
eer jekesMe ieeseue yeQke kes efveosMeke ceb[ue ceW 12.10.2011 mes DebMekeeefueke iewj
mejkeejer efveosMeke kes jHe ceW efveegkele efkees iees Les. Jes efyepevesme HeMeemeve ceW eesieHeeHle
nQ. eer jekesMe ieeseue Ske meHeue GeesieHeefle nQ Deewj Gvekes Heeme 38 Je<e& mes Yeer DeefOeke
kee DevegYeJe nw. Jes Mew#eefCeke, meeceeefpeke leLee meceepemesJee kes Deveske mebieveeW mes peg[s
nQ leLee GeesieeW kes efJeefYevve mebIeeW mes Yeer peg[s nQ pewmes megceerle jengue ieeseue cesceesefjeue
meerefveej meskesC[jer mketue keer HeyebOeve meefceefle kes DeOe#e leLee yeeuee ueIeg Geesie
mebIe kes DeOe#e.
Shri Goel is/was also a member of RAC (SSI), Customs & Central
heeeer [e@. heerlece eEmen MesejOeejke efveosMeke kes jHe ceW 17 ceee&, 2012 mes Hegve:
egves iees nQ. [e@.eEmen JeeefCepeke Meem$e ceW mveelekeesej, Fbef[eevee etefveJee|meer , et.
Sme.S. mes Sce.yeer.S. Deewj heyebOeve ceW heerSe.[er. nQ.
[e@.eEmen peevesceeves heyebOeve ieg nQ Deewj Jes DeeF&.DeeF&.Sce., ueKeveT Deewj Sce.[er.
DeeF&., ieg[ieebJe kes hetJe& efveosMeke nQ. Jele&ceeve ceW Jes DeeF&.Sce.DeeF&., efouueer kes cene
efveosMeke nQ. GvneWves osMe kes ueieYeie 70 mebmLeeveeW kes efveosMeke ceb[ue kes meome kes
he ceW keeheexjs peiele ceW heefjJele&ve heefeee kees meefeelee mes Meg efkeee Deewj hetje
efkeee. Jes Gvekeer neue ner keer hegmleke ``Fve mee& Dee@He eWpe ceePem^espe'' meefnle 7
Mew#eefCeke heefleeqle hegmlekeeW SJeb 50 mes Yeer DeefOeke DevegmebOeeve heeeX kes uesKeke nQ.
osMe ves Gvekeer Glke= mesJeeDeeW kees Gme mecee ceevelee oer,peye 2003 ceW Gvekees
Yeejle kes je^heefle ves heefleelceke heeeer'' hegjmkeej mes mecceeefvele efkeee. Gvekees
keF& Deve heefleelceke heyebOeve hegjmkeejeW mes veJeepee ieee, GveceW mes keg hecegKe
hegjmkeej nQb Smekee@& DeJee[& (1979 SJeb 2002), Heesj DeJee[& (1984), Glke=
DeefYehesjke Deeeee& DeeF& DeeF& Sce., yeWieuetj DeJee[& (1993), Yeejleere heyebOeve mketueeW
kee Glke= efveosMeke DeJee[& (1998), efcejefyeme cee@mkees iueesyeue Lee@ ueer[j DeJee[&
2005, heLece S.DeeF&.Sce.S. kesJeue veesnefjee DeJee[& - heyebOeve efMe#ee ceW Mew#eefCeke
vesle=lJe.
Jele&ceeve ceW , Jes Yeejleere efjpeJe& yeQke kes mLeeveere yees[&, ef[Me erJeer, hee&veeLe, nerjes
neW[e ceesme&, Deeefo kes efveosMeke ceb[ueeW ceW efveosMeke nQ.
eer jesefnle osmeeF& 17 ceee&, 2012 mes Mesej Oeejke efveosMeke kes jHe ceW egves iees nQ. Jes
JeeefCepe ceW mveeleke leLee Fbef[eve Fbeqmet Dee@He yeQkeme& kes meeaHeeF[ DeMeesefmeS
(meer S DeeF& DeeF& yeer) nQ.
eer osmeeF& ves Fbef[eve DeesJejmeerpe yeQke ceW keee&Heeueke efveosMeke kee keee&Yeej mebYeeueves
mes Henues yeQke Dee@He Fbef[ee cesb efJeefYevve HeoeW Hej keee& efkeee. GvneWves 1998 mes 2003
w.e.f March 17, 2012. Dr. Singh has post graduate degree in
Commerce, M.B.A. from Indiana University U.S.A. and a Ph.D. in
Management.
eer osmeeF& Jele&ceeve ceWs kesveje jesyeskekees cetegDeue Heb[ kes veemeer ceb[ue ceW
veemeer nQ.
eer cegkesMe ceesnve 17 ceee&, 2012 mes Mesej Oeejke efveosMeke kes jHe ceW egves iees nQ.
Jes JeeefCepe ceW mveeleke leLee Fbmeret Dee@He ee&[ DekeeGbWdme Dee@He Fbef[ee mes
eesielee HeeHle meveoer uesKeekeej nQ. Jes meveoer uesKeekeej kes jHe ceW JeJemeee kej jns nQ.
Mutual Fund.
Shri Mukesh Mohan is elected as Shareholder Director w.e.f.
March 17, 2012. He is a Commerce graduate & a qualified Chartered
Accountant from Institute of Chartered Accountants of India. He is a
practicing Chartered Accountant.
eer cegkesMe ceesnve efJelle ceb$eeuee, Yeejle mejkeej keer efJeefYevve meefcceefleeeW ceW meome kes
jHe ceW veeefcele efkees ieS nQ GveceW Meeefceue nQ: S.Deej.meer. Hej HecegKe HejeceMe&oelee mecetn,
efJelle ceb$eeuee Deewj Yeejle mejkeej, Sce Sme Sce F& Hej HecegKe HejeceMe&oelee mecetn,
efJelle ceb$eeuee, Yeejle mejkeej. Jes Sce Sme Sce F& Hej DeefOekeejHeeHle meefceefle Yeejleere
efjpeJe& yeQke, Sve meer er efouueer kes meome Yeer nQ. Jen vewMeveue Sce Sme Sce F& meefceefle
kes men-DeOe#e leLee S Sme Sme Dees meer Se S Sce keer yeQefkebie Deewj efJelle meefceefle kes
Jeefj< meome Yeer nQ. Jes SHe DeeF& meer meer DeeF& keer je<^ere keee&keeefjCeer kes meome
Yeer nQ. Jes SHe DeeF& meer meer DeeF& keer je<^ere Sce Sme Sce F& meefceefle leLee efJeosMe JeeHeej
meefceefle kes meome Yeer nQ.
eer cegkesMe ceesnve Sme Sce F& nsuHeueeFve.kee@ce kes men-mLeeHeke Yeer nQ pees efke %eeveeer
Fb[eqm^eue kebmeueW Hee.efue. kee meerSmeDeej keee& nw. Jes SmeSceF& nsuHeueeFve
meceeeej He$e kes cegKe mebHeeoke leLee keF& SkeeefOekeej Jeeueer kebHeefveeeW kes efveosMeke
ceb[ue ceW efveosMeke nQ.
eer cegkesMe ceesnve ves meer S peer kes ceeOece mes Deveske mejkeejer uesKee Hejer#eeSb mebeeefuele
keer nQ Deewj efJeefYevve mejkeejer leLee efvepeer #es$e kes yeQkeeW ceW Yeer uesKee Hejer#eeSb Yeer keer
nQ.
Jeeef<e&ke efjHees&
2011 - 2012 | 74
Iees<eCee - he$e
me@ke SkemeeWpeeW kes meeLe meteeryelee kejves mebyebOeer kejej keer Oeeje 49(I)([er) kes Devegmeej DeOe#e SJeb heyebOe efveosMeke keer Deesj mes Iees<eCee
Ieesef<ele efkeee peelee nw efke yeQke kes efveosMeke ceb[ue kes meomeeW leLee Jeefj heyebOeve kee|ceeeW ves me@ke SkemeeWpeeW kes meeLe meteeryelee kejves mebyebOeer kejej kes
Keb[ 49(I)([er) ceW efJeefvee|o Deeeej mebefnlee kes Devegmeej 31 ceee&, 2012 kees meceehle efJeeere Je<e& kes efueS leovegmeej Devegheeueve keer hegeq kej oer nw. Ge
Deeeej mebefnlee kees yeQke keer JesyemeeF hej Yeer oMee&ee ieee nw.
vethegj efce$ee
DeOe#e SJeb heyebOe efveosMeke
mLeeve : cegbyeF&
efoveebke : 08.05.2012
DECLARATION
Declaration of the Chairperson and Managing Director pursuant to clause 49 (I) (D) of the Listing Agreement with Stock
Exchanges.
It is to declare that all the Board Members and Senior Management Personnel of the Bank have affirmed their compliance
with the Code of Conduct for the Financial Year Ended on 31st March 2012 in accordance with clause 49 (I) (D) of the
Listing Agreement entered into with the Stock Exchanges. The said Code of Conduct has been posted on the Banks
website.
Nupur Mitra
Chairperson and Managing Director
Place : Mumbai
Date : 08.05.2012
yesmeue - II ekeerkejCe
Basel II Disclosures
efoveebke 31 ceee& 2012 kees - Yeejleere efjpeJe& yeQke kes vees hetbpeer heee&hlelee {ebes
(yesmeue II) kes Devegmeej mlebYe 3 kes DeOeerve hekeerkejCe
I. keeee&vJeeve kee efJe<ee - #es$e
ke. hekeerkejCe kee {ebee osvee yeQke hej ueeiet neslee nw.
Ke. yeQke keer keesF& meneeke kebheveer veneR nw.
ie. yeQke kee efkemeer yeercee kebheveer ceW efveJesMe veneR nw.
Ie. yeQke keer efvecveefueefKele Iejsuet kebheefveeeW ceW 20% ee Gmemes DeefOeke MesejOeeefjlee nw.
Extent of Ownership
35.00%
35.00%
e=bKeuee
Series
I
yeepe oj
Interest Rate
9.20 %
Ge erej II Hetbpeer
e=bKeuee
Series
VII
VIII
IX
X
XI
yeepe oj
Interest Rate
6.20 %
7.30 %
9.25 %
11.20 %
9.50 %
(` kejes[ ceW)
(` in crore)
4481.98
350.06
250.00
3941.45
59.53
The Total amount of Tier 2 capital of the bank (net of deduction from tier 2 capital) is ` 1339.94 crore.
Ie. Ge erej II hetbpeer ceW Meeefceue kejves kes efueS $eCe hetbpeer efueKele nQ :
d. The debt capital instruments eligible for inclusion in Upper Tier II capital are:
` kejes[ ceW
` in crore
300.00
Metve Nil
300.00
Jeeef<e&ke efjHees&
yesmeue - II ekeerkejCe
2011 - 2012 | 76
Basel II Disclosures
* efvecve erej II hetbpeer ceW Meeefceue kejves kes efueS hee$e ieewCe $eCe hetbpeer efueKele nQ :
e.
Subordinated debt capital instruments eligible for inclusion in Lower Tier II capital are:
` kejes[ ceW
` in crore
966.00
0.00
720.00
For computation of Capital Adequacy, a deduction of ` 24.16 crore has been made from Tier II Capital towards Banks stake in the 2
Gramin banks.
erej I Tier I
erej II Tier II
kegue Total
III. hetbpeer heee&hlelee :
ke. $eCe peesefKece heyebOeve
yeQke kes $eCe peeseKf ece heyebOeve kes keee& $eCe peeseKf ece heyebOeve hej efveosMeke ceb[ue eje Devegceeseof le
veerelf e ceW heefjYeeef<ele heef eeeDeeW kes Devegmeej nQ. yeQke keer $eCe veerelf e, Sme.Sce.F&.veerelf e leLee efjsue
$eCe veerelf e ceW $eCe peeseKf ece heyebOeve veerelf e kes DeeOeej hej #es$eere FkeeFeeW kees heefjeeueveelceke
efoMee efveosMe efoes iees nQ. yeQke ves $eCe jseE ie, mebheeeqMJe&ke heyebOeve leLee peeseKf ece Ieeves, efJeefOeke
efveeqelelee leLee Jemetueer heyebOeve kes yeejs ceW Yeer veerelf eeeb leweej keer nQ. Fve veerelf eeeW keer Jeee|<eke
DeeOeej hej meceer#ee keer peeleer nw.
yeQke Deebleefjke he ceW ` 10 ueeKe mes DeefOeke kes $eCeeW kes efueS Jeeheke $eCe peeseKf ece
jseE ie heCeeueer kee Gheeesie kej jne nw. en heCeeueer heelf e he#e ceW ueer pee jner peeseKf ece kes
no kee Skeue efyevog meteke kee keee& kej jner nw Deewj efveeefcele he ceW $eCeeW hej efveCe&e
uesves ceW ceoo kejleer nw. jseE ie heCeeueer $eCe peeseKf ece kes `heJesMe' SJeb `efvekeeme' oMee&leer nw.
yeQke keer Ske meg{ $eCe efveiejeveer heCeeueer nw pees yeQke kes $eCeeW ceW DeejbefYeke esleeJeveer
mebkesleeW kees heehle kejves kes efueS leweej keer ieF& nw. kee@heexjs keeee&uee ` 50 ueeKe Deewj
Gmemes DeefOeke kes meYeer ceeveke $eCe KeeleeW hej efveiejeveer jKelee nw, #es$eere keeee&uee
` 10 ueeKe Deewj Gmemes DeefOeke ` 50 ueeKe leke kes $eCe KeeleeW hej efveiejeveer jKeles
nQ Deewj MeeKeeSb Mes<e KeeleeW hej efveiejeveer jKeleer nQ. Fme heCeeueer kes eje yeeefOele KeeleeW
keer heneeve kejves leLee Gve hej legjble megOeej kes Gheee kejves ceW meneelee efceueleer nw.
Ske yeej efkemeer Yeer Keeles kes yeeefOele kes he ceW heneeve efkees peeves hej Gme hej efveiejeveer
keer cee$ee ye{e oer peeleer nw.
yeQke $eCe jseEie DeblejCe heCeeueer keer Jeee|<eke DeeOeej hej efveeefcele he ceW meceer#ee
kejlee nw. yeQke Sue peer [er (etke hej neefve) leLee F& S [er (etke hej peesefKece) kes
Devegceeve kes efueS Ske {ebes kee efJekeeme kej jne nw Deewj mebeeve peesefKece keer heneeve
kes efueS Yeer Ske {ebee leweej kej jne nw.
efveosMeke ceb[ue keer meceeqvJele peesefKece heyebOeve meefceefle (DeeF& Deej Sce meer) $eCe
peesefKece heyebOeve kes ceeceueeW ceW DeeF& Deej Sce meer / efveosMeke ceb[ue eje Devegceesefole
veerefleeeW Deewj Deve eespeveeDeeW kes keeee&vJeeve kes efueS Ge mlejere $eCe peesefKece
heyebOeve meefceefle kes keee& hej Yeer efveiejeveer jKeleer nw.
yeQke ves ` 5 kejes[ Deewj Gmemes DeefOeke kes mebyebOe ceW peesefKece heyebOeve heCeeueer kes
DeefYeVe Yeeie kes he ceW megheefjYeeef<ele $eCe uesKee hejer#ee heCeeueer ($eCe meceer#ee leb$e
Sue.Deej.Sce.]) leweej keer nw.
mJeerke=eflekelee& heeefOekeejer eje Debelf ece efveCe&e uesves mes henues mJeleb$e peeseKf ece cetueebkeve kejves
kes efueS keee&heeueke efveosMeke Deewj Gmemes Ge heeefOekeeefjeeW kes DeefOekeejeW kes Debleie&le Deeves
` kejes[ ceW
(` in crore)
4481.98
1339.94
5821.92
III. Capital Adequacy :
A. Credit Risk management :
The credit risk management function of the Bank revolves around
the processes defined by a Board approved policy on credit risk
management. Loan policy, SME Policy and Retail Lending Policy
of the Bank provide operational level guidelines to field units
based on the Credit Risk Management Policy. The Bank has also
formulated policies on Credit Rating, Collaterals Management and
Risk Mitigation, Legal Certainty and Recovery Management Policy.
These policies are reviewed on annual basis.
The Bank has been using a comprehensive credit risk rating system
for all exposures of over ` 10 lakhs internally that serves as a single
point indicator of the extent of risk taken in counter-party and for
taking credit decisions in a consistent manner. The rating system
indicates entry and exit points for exposures.
The Bank has a well laid down credit monitoring system designed
to capture early warning signals in its exposures. While Corporate
Office directly monitors all standard exposures of ` 50 lakh and
above, Regional Offices monitor exposures of ` 10 lakh and
above up to ` 50 lakh and the rest of the accounts are monitored
by the Branches. The system facilitates identification of stressed
accounts early and to trigger prompt corrective action. Once an
account is identified as stressed account, the level of monitoring is
escalated.
The Bank is regularly carrying out credit rating migration analysis
at annual intervals. The Bank is also developing framework for
estimating LGD (Loss Given default) and EAD (Exposure At Default)
and also the framework for identifying concentration risk.
The Integrated Risk Management Committee (IRMC) of the Board
of Directors oversees the functioning of the high level Credit Risk
Management Committee (CRMC), for implementing policies and
other strategies approved by IRMC / Board in matters of credit risk
management.
As an integral part of Risk Management System, the bank has put in
place a well-defined Credit Audit System [Loan Review Mechanism
(LRM)], in respect of all exposures of ` 5 crore and above.
All loan proposals falling under the powers of Executive Director
& above are routed through a Credit Committee consisting
of representatives from Risk Management department, Credit
yesmeue - II ekeerkejCe
Basel II Disclosures
Jeeues meYeer $eCe hemleeJeeW kees meeKe meefceefle kes ceeOece mes hemlegle efkeee peelee nw, Fme meefceefle ceW
peeseKf ece heyebOeve efJeYeeie, $eCe heefjeeueve efJeYeeie Deeefo kes heelf eefveefOe nesles nQ. Fmeer hekeej #es$eere
keeee&uee mlej hej, #es$eere heyebOeke Deewj ceneheyebOeke kes DeefOekeej kes Debleie&le Deeves Jeeues ` 50
ueeKe Deewj DeefOeke $eCe hemleeJeeW keer mebJeer#ee #es.kee. meeKe meefceefle eje keer peeleer nw efpemeceW
$eCe, heeLeefcekelee #es$e, Jemetueer, efJeefOe leLee efvejer#eCe efJeYeeie kes DeefOekeejer Meeefceue nesles nQ
leeefke DeeeqmleeeW keer yesnlej iegCeJeee megevf eeqele keer pee mekes.
Ke. yeepeej peesefKece SJeb lejuelee peesefKece heyebOeve
yeepeej peesefKece SJeb lejuelee peesefKece kee heyebOeve efveosMeke ceb[ue eje Devegceesefole
Deeeqmle oselee heyebOeve veerefle leLee efveJesMe veerefle kes heeJeOeeveeW kes Devegmeej yeQke kes
meceeqvJele jepekees<e eje efkeee peelee nw. Fve veerefleeeW ceW yeepeej peesefKece leLee lejuelee
peesefKece ceW heneeve, ceehe, efveiejeveer Deewj Gmes kece kejves kes efueS heeJeOeeve efoes iees nQ.
Fve veerefleeeW ceW efJeefYeVe jepekees<e GlheeoeW ceW efveefnle peesefKeceeW kes yeejs ceW GuuesKe meefnle
yeQke kes efueS efJeefYeVe peesefKeceeW kes #es$e leLee efJeefYeVe efveeeceke SJeb Deebleefjke meerceeeW oer
ieeer nQ. jseEie kes heefjJele&ve hej efveeefcele he ceW efveiejeveer jKeer peeleer nw.
mebjevee kes he ceW jepekees<e ceW Heb DeeefHeme, yeQke DeeefHeme Deewj efce[ DeeefHeme Meeefceue
nQ. efce[ DeeefHeme kes keee& peesefKece heyebOeve leLee S.Sue.meer.Dees. kes keee& kes meeLe
pees[kej Gmes mJeleb$e jKee ieee nw leeefke peesefKece heyebOeve heCeeueer ceW Gmekeer mJeleb$elee
SJeb heYeeefJelee megefveeqele keer pee mekes.
efveosMeke ceb[ue, DeeF&. Deej. Sce. meer. leLee S. Sue. meer. Dees. yeQke kes yeepeej peesefKece
heyebOeve, Gmekeer heefeee, efveeeceke eje peejer peesefKece heyebOeve efoMee efveosMeeW kes
keeee&vJeeve, Jewefeke he ceW Deheveeeer peeves Jeeueer Gece peesefKece heyebOeve heefeeeDeeW
kes efueS efpeccesoej nw Deewj en megefveeqele kejlee nw efke Deebleefjke ceeveob[ heefeeeeW,
JeJenej / veerefleeeB Deewj peesefKece heyebOeve efJeJeskehetCe& meerceeDeeW kee Devegheeueve efkeee
peelee nw. jepekees<e keer efove-heefleefove keer ieefleefJeefOeeeW keer efveJesMe SJeb cege yeepeej
heefjeeueveeW keer Deebleefjke meefceefle eje owefveke DeeOeej hej meceer#ee keer peeleer nw.
yeQke kes lejuelee peesefKece kee efveOee&jCe efJeefYeVe mecee esefCeeeW ceW Mes<e heefjhekeJelee kes
DeeOeej hej leLee efJeefYeVe lejuelee DevegheeleeW kes DeeOeej hej heefjhekeJelee efJemebieefle kes
Deblejeue efJeMues<eCe kes ceeOece mes efkeee peelee nw Deewj Gmekee heyebOeve Gmekes efueS
efveOee&efjle efJeJeskehetCe& meerceeDeeW kes Deboj efkeee peelee nw.
efJeefYeVe lejuelee JeeleeJejCe kes Debleie&le Deekeeqmceke efveefOeeve eespevee leweej kejves
kes efueS Ge lekeveerke pewmes oyeeJe peebe, DevegkejCe / mebJesovelee efJeMues<eCe Deeefo
efveeefcele Deblejeue hej efkees peeles nQ.
ie. heefjeeueve peesefKece heyebOeve
yeQke ves Dehese#f ele metevee heehle kejves kes efueS efJemle=le heefjeeueve peeseKf ece { ebee (Dees.
Deej. Sce) meefnle megheefjYeeef<ele Dees. Deej. Sce. veerelf e leLee DeeJeMeke leb$e leweej efkeee
nw. heefjeeueve peeseKf ece heyebOeve keee& kee hee&Jes#eCe heefjeeueve peeseKf ece meefceefle eje efkeee
peelee nw. yeQke Ge heefleeeW pewmes msv[j[eFp[ Dehees e leLee S[Jeevm[ cespejceW
Shees e (S Sce S) ceW hengb eves kes efueS Gefele cebe efJekeefmele kejves keer heef eee ceW nw.
yeQke $eCe kes cetue ceW DeheleeefMele neefveeeW, keejesyeej Deeefo kes peesefKece kees hetje kejves
kes efueS hetbpeer jKelee nw leeefke peceekelee&DeeW leLee meeceeve uesveoejeW kees Ssmeer Devehesef#ele
neefveeeW mes yeeeee pee mekes. yeQke kes heeme meYeer hekeej kes peesefKeceeW kee Jeeheke he
mes cetueebkeve kejves Deewj Gvekees efveOee&efjle kejves leLee Gvekes mece#e Gheege hetbpeer
kee Deeyebve kejves kes efueS efveosMeke ceb[ue eje Devegceesefole Deebleefjke hetbpeer heee&hlelee
efveOee&jCe keej&JeeF& veerefle ( DeeF& meer S S heer) nw leeefke efveeeceke SJeb Deee|Leke hetbpeer oesveeW
kes efueS hetCe&le meceeqvJele peesefKece / hetbpeer cee@[ue leweej efkeee pee mekes.
vees hetbpeer heee&hlelee {ebes kes Devegmeej Devegheeueve kes efueS yeQke ves $eCe peesefKece kes
efuees msv[j[eFp[ Deheese, heefjeeueve peesefKece kes efueS yesefmeke Fbef[kesj Deheese
leLee meer. Deej. S. Deej. keer ieCevee kes efueS yeepeej peesefKece nsleg msv[j[eFp[ SJeb
[etjsMeve Sheese kees Deheveeee nw.
hetbpeer keer DeeJeMekelee efveeeceke Dehes#ee nw, yeQke kes efeeekeueeheeW efJeMes<ele Deee|Leke
SJeb yeepeej eqmLeefleeeW mes peesefKece GlheVe nesles nQ. yeQke keer hetbpeer keer Deeeespevee FmeefueS
Jeeef<e&ke efjHees&
yesmeue - II ekeerkejCe
2011 - 2012 | 78
Basel II Disclosures
(ii)
$eCe peesefKece kes efuees peesefKece Yeeefjle Deeeqmleeeb Risk Weight Assets for Credit Risk
heefleYeteflekejCe peesefKece Securitisation exposures
efvecve kes mebyebOe ceW yeepeej peesefKece kes efueS hetbpeer DeeJeMekelee Capital requirement for Market risk in respect of:
yeepe oj peesefKece kes efueS peesefKece Yeeefjle Deeeqmleeeb Risk Weight Assets for Interest Rate Risk
efJeosMeer cege peesefKece (mJeCe& meefnle) kes efueS peesefKece Yeeefjle Deeeqmleee
Risk Weight Assets for Foreign Exchange risk (including gold)
(iii)
FeqkeJeer peesefKece kes efueS peesefKece Yeeefjle Deeeqmleeeb Risk Weight Assets for Equity Risk
yeepeej peesefKece kes efueS kegue peesefKece Yeeefjle Deeeqmleeeb Total Risk Weight Assets for Market Risk
SHe.SHe.meer kes efueS peesefKece Yeeefjle Deeeqmleeeb Risk Weight Assets for FFC
heefjeeueve peesefKece kes efueS hetbpeer DeeJeMekelee Capital requirement for Operational Risk:
yesefmeke meteke Deheese kes DeOeerve heefjeeueve peesefKece kes efueS peesefKece Yeeefjle Deeeqmleeeb
Risk Weight Assets for Operational Risk under Basic indicator approach
(iv) Deve kes efueS hetbpeer DeeJeMekelee Capital requirement for others :
(v)
(` kejes[ ceW)
(` in crore)
44009.29
0.00
1607.22
50.00
222.33
1879.55
50.39
2957.47
Deeue DeeeqmleeeW, Deve DeeeqmleeeW Deewj Deekeeqmceke ceoeW kes efueS peesefKece Yeeefjle Deeeqmleeeb
1677.59
$eCe, yeepeej SJeb heefjeeueve peesefKece kes efueS vetvelece hetbpeer DeeJeMekelee
4551.69
Risk weight assets for Fixed Assets, Other Assets and Contingent items
kegue hetbpeer SJeb meer Deej S Deej Total Capital & CRAR
Minimum Capital Requirement for Credit, Market & Operational Risk
5821.92
kegue hee$e hetbpeer keer JeemleefJeke eqmLebefle Actual Position of Total Eligible capital
4481.98
hee$e erej I hetbpeer Eligible Tier I Capital
1339.94
hee$e erej II hetbpeer Eligible Tier II Capital
11.51 %
meer Deej S Deej CRAR
8.86 %
Deej [yuet S kes Devegheele ceW erej I hetbpeer Tier I Capital to RWA
2.65
%
Deej [yuet S kes Devegheele ceW erej II hetbpeer Tier II Capital to RWA
IV. General disclosures in respect of Credit Risk :
IV. $eCe peesefKece kes mebyebOe ceW meeceeve hekeve
a. The policy of the Bank for classifying banks loan assets is
ke. yeQke keer $eCe DeeeqmleeeW kes JeieeakejCe kes efueS yeQke keer veerelf e efvecve hekeej nwb
as under :
iewj efve<heeoke Deeeqmleeeb (Sve heer S) : iewj efve<heeoke Deeeqmle (Sve heer S) Jen $eCe
NON PERFORMING ASSETS (NPA): A non-performing asset
ee Deefiece nw efpemeceW :
(NPA) is a loan or an advance where;
i. efkemeer DeeJeefOeke $eCe kes ceeceues ceW yeepe Deewj / ee cetueOeve keer efkemle 90 efove
i. interest and / or installment of principal remain overdue for a
mes DeefOeke DeJeefOe leke yekeeee jnleer nw,
period of more than 90 days in respect of a term loan,
ii. efkemeer DeesJej[^eHe / vekeo $eCe ( Dees [er / meer meer) kes ceeceues ceW Keelee
ii. the account remains out of order in respect of an Overdraft/
`Deefveeefcele' yevee jnleer nw,
Cash Credit (OD/CC),
iii. Kejeros Deewj Yegveees iees efyeueeW kes ceeceues ceW efyeue 90 efove mes DeefOeke DeJeefOe kes
iii. the bill remains overdue for a period of more than 90 days in
the case of bills purchased and discounted,
efueS Deefleose jnlee nw,
iv. the installment of principal or interest thereon remains overdue
iv. DeuheeJeefOe HemeueeW kes efueS cetueOeve keer efkemle ee Gme hej yeepe oes Hemeue
for two crop seasons for short duration crops,
ceewmece leke Deefleose jnlee nw,
v.
the installment of principal or interest thereon remains overdue
v. oerIee&JeefOe HemeueeW kes efueS cetueOeve keer efkemle ee Gme hej yeepe Ske Hemeue
for one crop season for long duration crops.
ceewmece kes efueS Deefleose jnlee nw,
yesmeue - II ekeerkejCe
Basel II Disclosures
keesF& Yeer Dees.[er. / meer.meer. Keelee efpemeceW yekeeee jeefMe mJeerke=le meercee / DeenjCe
DeefOekeej mes efvejblej DeefOeke jnleer nw Gmes ``Deefveeefcele Keelee'' ceevee peelee nw.
Ssmes ceeceueeW ceW peneb cetue heefjeeueve Keeles ceW yekeeee jeefMe mJeerke=le meercee / DeenjCe
DeefOekeej mes kece nw, uesefkeve leguevehe$e keer leejerKe kees ueieeleej 90 efove keer DeJeefOe
leke keesF& Yeer jeefMe pecee veneR keer ieF& nes ee Gme DeJeefOe kes efueS veeceW [eueer ieF& yeepe
keer jkece kes Yegieleeve kes efueS pecee keer ieF& jeefMe heee&hle ve nes lees Jen Keeles Deefveeefcele
ceeves peeles nQ. efkemeer Yeer $eCe megefJeOee ceW yeQke kees ose keesF& Yeer jeefMe ``Deefleose'' nes
peeleer nw eefo Gmekee Yegieleeve yeQke eje efveOee&efjle efleefLe kees ve efkeee peee. yeQke keer
iewj efve<heeoke DeeeqmleeeW kees Deeies efvecveevegmeej leerve esefCeeeW ceW Jeieeake=le efkeee ieee nw
Ghe ceeveke Deeeqmleeeb
Ghe ceeveke Deeeqmle Gmes ceevee peelee nw pees efke 12 cenerves ee Gmemes kece DeJeefOe leke
Sve heer S jne nes. Jemetueer kes meYeer Gheee Ghe ceeveke KeeleeW hej Yeer ueeiet nesles nQ. eefo
mebhetCe& yekeeee jeefMe keer vekeo Jemetueer keer peeleer nw lees Gme Keeles kee ceeveke esCeer
ceW legjble GVeeve efkeee pee mekelee nw. Fmeer hekeej eefo efkemeer Keeles kees lekeveerefke
keejCeeW mes Sve. heer.S. kes he ceW Jeieeake=le efkeee ieee nw lees lekeveerkeer keejCe kee
meceeOeeve nesves hej Keeles kee GVeeve efkeee peeesiee.
mebefoiOe Deeeqmleeeb
eefo keesF& Keelee 12 cenerves keer DeJeefOe leke Ghe ceeveke esCeer ceW jnlee nw lees Gmes
mebefoiOe kes he Jeieeake=le efkeee peeSiee. KeeleeW kes mebyebOe ceW peneb GheueyOe heefleYetefle kee
cetue yekeeee jeefMe kes 50 heefleMele mes kece nes lees Gve KeeleeW kees Yeer mebefoiOe kes he ceW
Jeieeake=le efkeee peeesiee. efpeve Ghe ceeveke Deewj mebefoiOe KeeleeW kee hegve efveOee&jCe efkeee
peelee nw Gvekes yeepe ee cetueOeve, pees Yeer henues ose nes, kes ose nesves kes yeeo, heLece
Yegieleeve keer leejerKe mes 1 Je<e& keer DeJeefOe kes yeeo ceeveke esCeer ceW GVeeve efkeee pee
mekelee nw, yeMelex efke Gme DeJeefOe kes oewjeve Gmekee efve<heeove meblees<epeveke jne nes.
neefve Deeeqmleeeb
neefve Deeeqmleeeb Jes Deeeqmleeeb nQ efpeveceW yeQke eje ee Deebleefjke ee yeenjer uesKee hejer#ekeeW
eje ee Yeejleere efjpeJe& yeQke efvejer#eCe eje neefve efveOee&efjle keer ieF& nes. neefve DeeeqmleeeW
kes ceeceues ceW GheueyOe heefleYetefle kee Jemetueer eesie cetue yekeeee / yeQke kees ose jeefMe
kes 10 heefleMele mes DeefOeke vener nes. etbefke heefleYetefle keer megj#ee GheueyOe vener nesieer,
hegveefveOee&jCe / hegveJee&me hej efJeeej nj mebYeJe meeJeOeeveer mes efkeee peevee eeefnS.
Ke. keee& eespeveeSb SJeb keej&JeeF&eeb
$eCe peesefKece heyebOeve kes cenlJehetCe& #es$eeW kes efueS yeQke keer efvecveevegmeej megheefjYeeef<ele
$eCe veerefle, efjsue GOeej veerefle, Sme Sce F& veerefle, $eCe Jemetueer veerefle Deewj efveJesMe
veerefle nQ
DeLe&JeJemLee kes efJeefYeVe #es$eeW kes efueS, efJeefYeVe hekeej kes GOeejkelee&DeeW Deewj
Gvekes ieghe Deewj Geesie kes efueS $eCe meerceeSb
$eCe heoeve kejves ceW Gefele JeJenej kees[
yeQke kes efJeefYeVe mlej kes heeefOekeeefjeeW kes efueS $eCe mJeerke=le kejves kes
efJeJeskeeefOekeej
$eCe heoeve kejves ceW Meeefceue keej&JeeF& nQ - mJeerke=efle hetJe& efvejer#eCe, DemJeerke=efle,
cetueebkeve, mJeerke=efle, omleeJespe leweej kejvee, efveiejeveer Deewj Jemetueer.
oj efveOee&efjle kejvee
ie. $eCe peesefKece efmeeble, mebjevee SJeb yeQke keer heCeeefueeeb efvecve hekeej nQ
$eCe peesefKece efmeeble
Deeeqmle oselee heyebOeve (S Sue Sce) keer DeeJeMekelee kes Devegmeej mebMeeOeveeW kee
ueeYeoeeer efveeespeve.
efJeeceeve ieenkeeW keer Gheege $eCe DeeJeMekeleeDeeW kees hetje kejves kes efueS $eCe
cetueebkeve Deewj efveiejeveer ceeveob[eW ceW meeceeve eqkeesCe Deheveevee Deewj MeerIe
$eCe efveCe&e uesves kes DeueeJee vees ieenke pees[kej ieenke DeeOeej ye{evee.
Loss Assets:
Fixation of pricing
Jeeef<e&ke efjHees&
yesmeue - II ekeerkejCe
$eCe mebefJeYeeie kes efve<heeove keer efveiejeveer kes efueS meceeve $eCe cetueebkeve heCeeueer
Deewj heefeee ceeveke mLeeefhele kejvee Deewj iewj efveefOe peesefKeceeW mes Deee ceW Je=ef
nsleg efoMee efveosMe peejer kejvee.
$eCe meghego&ieer heCeeueer kees cepeyetle kejvee leLee meeceeefpeke Deee|Leke oeefelJeeW,
ueeYe heolee, Deeeqmle #eefle kes hetJe& DevegYeJe Deewj efjsue yeQeEkeie hej ye=nle Oeeve
oskej $eCe kes meskej mhe he mes efveOee&efjle kejvee.
$eCe mebkesCe kes ceeceueeW hej Oeeve osvee Deewj efJeJeskehetCe& $eCe peesefKece ceeveob[
efveOee&efjle kejvee.
DeeeqmleeeW keer Gheege Je=ef kes efuees megefJeefJeOelee Jeeuee $eCe mebefJeYeeie yeveevee.
peesefKece heneeve, ceehe, efveiejeveer SJeb efveJeejCe kes efueS ceeveob[eW kes meeLe $eCe
peesefKece heyebOeve heCeeueer mLeeefhele kejvee.
$eCe meceer#ee leb$e GheueyOe kejevee.
peesefKece DeeOeeefjle $eCe cetue efveOee&jCe veerefle mLeeefhele kejvee.
hetCe& metevee kes meeLe $eCe mebyebOeer efveCe&e uesves kes efueS metevee GheueyOe kejevee
Deewj $eCe cetueebkeve Deewj efveiejeveer kes yeejs ceW #es$e ceW keee&jle kece&eeefjeeW kees
Gheege heefMe#eCe heoeve kejJeevee.
meYeer mlejeW hej efJeJeskeeefOekeejer heeefOekeeefjeeW kees heee&hle DeefOekeej osvee.
yeQke keer mebjevee Deewj heCeeueer
yeQke ceW peesefKece heyebOeve kes yeejs ceW efJeefMe he mes hee&Jes#eCe Deewj mecevJee kes
efueS efveosMeke ceb[ue eje efveosMekeeW keer Ske Ghe-meefceefle ieefle keer ieF& nw.
efJeefYeVe $eCe peesefKece eespeveeSb leweej kejves Deewj keeee&eqvJele kejves kes efueS
$eCe peesefKece heyebOeve meefceefle ieefle keer ieF& nw efpemekes keeeex ceW GOeej veerefle
leweej kejvee leLee GeceeW ceW yeQke kes peesefKece heyebOeve keee& keer efveiejeveer kejvee
Yeer Meeefceue nw.
$eCe hemleeJeeW, efJeeere mebefJeoeDeeW, jseEie ceevekeeW Deewj yeWe ceevekeeW kes efueS
ceevekeeW keW veerefleeeb leweej kejvee.
$eCe peesefKece heyebOeve ke#e efveOee&efjle meercee leke $eCe peesefKece keer heneeve,
ceehe, efveiejeveer Deewj efveeb$eCe kee keee& kejles nQ.
efveosMeke ceb[ue / efveeeceke Deeefo eje efveOee&efjle peesefKece ceeveob[eW SJeb efJeJeskehetCe&
meerceeDeeW kee heJele&ve Deewj Devegheeueve.
peesefKece efveOee&jCe heCeeueer leweej kejvee, heyebOeve metevee heCeeueer kee efJekeeme
kejvee, $eCe mebefJeYeeie keer iegCeJeee keer efveiejeveer, mecemeeDeeW kee helee ueieevee
Deewj keefceeeW kees erke kejvee.
mebefJeYeeie kee cetueebkeve, DeLe&JeJemLee, Geesie hej Jeeheke DeOeeve kejvee,
$eCe mebefJeYeeie hej Gmekes heYeeJe keer peebe kejevee.
efveOee&efjle ceeveob[eW Deewj efoMee efveosMeeW kes hetCe& Devegheeueve kes HeuemJehe $eCe
meghego&ieer heCeeueer ceW megOeej.
Ie. peesefKece metevee kee keee&#es$e SJeb heke=efle / ceehe heCeeueer
yeQke ves Deheves $eCe peesefKeceeW kes efueS meblegefuele $eCe peesefKece jseEie heCeeueer leweej keer
nw. $eCe peesefKece kees kece kejves kes efueS Ske heYeeJeer Gheee en nw efke efkemeer efJeMes<e
Deeeqmle ceW mebYeeefJele peesefKece keer heneeve keer peees. Ske meg{ Deeeqmle keer iegCeJeee
yeveeeer jKeer peees Deewj Gmekes meeLe ner Deeeqmle keer keercele efveOee&jCe ceW ueese jKeer peeS
leeefke yeQke keer meceie eespevee Deewj $eCe veerefle kes Devegmeej peesefKece ueeYe ceeheob[eW keer
Dehes#eeSb hetjer keer peees.
yeQke keer meg{ jseEie heCeeueer Deebleefjke he ceW efJekeefmele keer ieF& nw Deewj Deheveer $eCe
DeeeqmleeeW ceW etke keer mebYeeJeveeDeeW kes efveOee&jCe ceW yeQke keer meneelee kes efueS leweej
keer ieF& nw Deewj Fme hekeej Deheveer Deeeqmle iegCeJeee yeveeS jKeves kes efueS heCeeueer leweej
kejves Deewj Gheee DeejbYe kejves ceW meneelee kejleer nw.
2011 - 2012 | 80
Basel II Disclosures
yesmeue - II ekeerkejCe
Basel II Disclosures
(` kejes[ ceW)
(` In crore)
Amount
56692.54
Sl. No.
(i)
efJeosMee Overseas
osMeer Domestic
Oejsuet $eCeeW kee GeesieJeej efJelejCe
(iii)
Keveve Deewj GlKeveve (keeseuee meefnle) Mining & Quarrying (incl. Coal)
ueesne SJeb Fmheele Iron & Steel
Deve OeelegSb SJeb Oeeleg Glheeo Other Metals & Metal Products
meYeer FbefpeveereeEjie All Engineering
F& Jem$e Geesie Cotton Textile
pet Jem$e Geesie Jute Textile
Deve Jem$e Geesie Other Textiles
eerveer Sugar
eee Tea
Keee mebmeeOeve Food Processing
Keee lesue (Jevemheefle meefnle) Vegetable oils (incl. Vanaspati)
keeiepe SJeb keeiepe Glheeo Paper & Paper Products
jye[, hueeeqmke Glheeo Rubber , Plastic & Products
jmeeeve, jbie meeceieer, heW SJeb Deew<eOeere efpemeceW mes
0.00
56692.54
Keeo Fertilizers
hes^es-jmeeeve Petro- Chemicals
Deew<eOe SJeb Heece&metefkeume Drug & Pharmaceuticals
meerceW Cement
uesoj SJeb uesoj Glheeo Leather & Leather Products
pesce SJeb pJesuuejer Gems & Jewellery
efvecee&Ce Construction
hes^esefueece, keeseuee Glheeo SJeb hejceeCeg FOeve Petroleum , Coal Products and Nuclear Fuels
Jeenve, Jeenve hegpex SJeb heefjJenve GhekejCe Vehicles, Vehicles Parts & transport Equipments
kebhetj mee@HeJesej Computer Software
yegefveeeoer megefJeOeeDeeW kes efueS, efpeveceW mes Infrastructure of which:
efJeegle Power
otj mebeej Telecommunications
jes[ SJeb hees& Road & Ports
Deve yegefveeeoer megefJeOeeSb Other Infrastructure
Sve.yeer.SHe.meer NBFCs
Jeeheej Trading
hese SJeb lecyeeket Beverage & Tobacco
ueke[er SJeb ueke[er Glheeo Wood & Wood Products
Deve Geesie Other Industries
157.44
583.99
280.46
567.98
282.25
632.01
193.25
102.12
298.54
73.88
11675.90
8972.22
581.00
854.49
1268.19
6445.45
1622.91
4.56
77.38
1982.60
Jeeef<e&ke efjHees&
2011 - 2012 | 82
yesmeue - II ekeerkejCe
Basel II Disclosures
efJeegle #es$e kees efoee ieee kegue $eCe ` 8972.22 kejes[ nw pees kegue $eCe kee
15.70% nw, otj mebeej ` 581.00 kejes[ (1.02%), jes[ SJeb Hees& ` 854.49
kejes[ (1.49%) leLee `Deve yegefveeeoer megefJeOeeDeeW' kees efoee ieee $eCe `1268.19
kejes[ nw pees kegue $eCe kee 2.22% nw.
e. iewj-efve<heeoke Deefiece SJeb efveJesMe kes mebyebOe ceW hekeve :
ke. kegue Sve.heer.S:
esCeer Category
233.16
156.29
76.06
98.31
956.50
- 1.67 %
- 1.01 %
ece meb.
efJeJejCe
Sl. No.
(i)
Particulars
Je<e& kes DeejbYe ceW DeLe Mes<e Opening Balance at the beginning of the year
Je<e& kes oewjeve Je=ef Addition during the year
(iii)
Je<e& kes oewjeve Iee Reduction during the year
(iv)
Je<e& kes Deble ceW Fefle Mes<e Closing Balance as at the end of the year (i + ii iii)
*. Sve.heer.S. kes heeJeOeeve ceW Gleej e{eJe Fme hekeej nw
(ii)
` kejes[ ceW
` In Crore
842.24
722.19
607.93
956.50
ece meb.
efJeJejCe
Sl. No.
(i)
Particulars
Je<e& kes DeejbYe ceW DeLe Mes<e Opening Balance at the beginning of the year
Je<e& kes oewjeve efkeS ieS heeJeOeeve Provision made during the year
(iii)
Je<e& kes oewjeve [eues ieS yes Keeles Write-off made during the year
(iv)
Je<e& kes oewjeve Jeeheme efueS ieS DeefOeke heeJeOeeve Write-back of excess provisions made during the year
(v)
Je<e& kes Deble ceW Fefle Mes<e Closing Balance as at the end of the year (i+ii-iii-iv)
e. iewj efve<heeoke efveJesMeeW keer jkece ` 53.65 kejes[ nQ.
(ii)
f.
` kejes[ ceW
` In Crore
290.16
262.13
193.90
24.06
382.45
. iewj efve<heeoke efveJesMeeW kes efueS efkeS ieS heeJeOeeveeW keer jkece ` 53.65 kejes[ nw.
pe. efveJesMeeW hej cetueneme kes efueS heeJeOeeveeW ceW Gleej e{eJe Fme hekeej nw :
ece meb.
Sl. No.
(i)
(ii)
(iii)
(iv)
efJeJejCe
Particulars
Je<e& kes DeejbYe ceW DeLe Mes<e Opening Balance at the beginning of the year
Je<e& kes oewjeve efkeS ieS heeJeOeeve Provision made during the year
Je<e& kes oewjeve [eues ieS yes Keeles Write-off made during the year
Se er Sce ceW Debleefjle S SHe Sme / Se SHe er kes Debleie&le efveJesMe kee yener cetue Ieekej meceeeesefpele cetueneme
` kejes[ ceW
` in Crore
91.31
104.23
0.00
15.39
Depreciation adjusted by reducing book value of Investment under AFS/ HFT category shifted to HTM
(v)
180.15
yesmeue - II ekeerkejCe
Basel II Disclosures
V.
(` kejes[ ceW)
$eCe jeefMe
100% mes
Exposures
31019.23
$eCe jeefMe
100% mes
Exposures
7403.64
(` in Crore)
Jeeef<e&ke efjHees&
2011 - 2012 | 84
- II ekeerkejCe
CHAIRMAN yes&meue
MANAGING
DIRECTORSS STATEMENT Basel II Disclosures
meer.Deej.Sce. mebheee|eke heefleYetefleeeb DeefOekeebMele yeQke keer Deheveer peceeDeeW hej leLee
mejkeejer heefleYetefleeeW, peerJeve yeercee efveiece hee@efuemeer hej $eCeeW kes efueS GheueyOe nQ. meer.
Deej.Sce heefleYetefleeeb iewj efveefOe DeeOeeefjle megefJeOeeDeeW pewmes ieejbefeeW SJeb meeKe he$eeW kes
efueS Yeer ueer peeleer nQ.
yeQke kes $eCeeW kes efueS meer.Deej.Sce kes he ceW hee$e ieejberkelee& (yesmeue II) kes Devegmeej
cegKe he mes keW/jepe mejkeej, F&.meer.peer.meer., meer.peer.SHe.er.Sme nQ.
efoveebke 31.03.2012 kees yekeeee $eCeeW ceW mes keewleer kes efueS hee$e kegue DeeqmLejlee
meceeeesefpele $eCe peesefKece efceefieb ` 3626.87 kejes[ nQ.
VII. heefleYeteflekejCe :
efoveebke 31 ceee& 2012 kees yeQke kes heeme Deheveer DeeeqmleeeW kes heefleYeteflekejCe kee keesF&
ceeceuee veneR nw.
VIII. Jeeheej yener ceW yeepeej peesefKece
yeQke, yeepeej peesefKece kees yeepeej keercele ceW nes jner heefleketue ieefleefJeefOeeeW mes nesvesJeeueer
mebYeeJe neefve kes he ceW heefjYeeef<ele kejlee nw. efvecveefueefKele peesefKeceeW kees yeepeej
peesefKece kes he ceW efveOee&efjle efkeee ieee nw :
yeepe oj peesefKece
cege peesefKece
keercele peesefKece
peeseKf ece heyebOeve kes efueS, yeQke kes efveosMeke ceb[ue ves efJeefYeVe meerceeSb pewmes kegue efveheeve
meerceeSb, neefve jeskeves keer meercee leLee peeseKf ece cetue meerceeSb efveOee&ejf le keer nQ. peeseKf ece
meerceeSb, Kegues yeepeej keer eqmLeefleeeW kes peeseKf eceeW kee efveeb$eCe kejleer nQ. $eCe neefve jeskeves
keer meercee, ngF& SJeb nesvesJeeueer neefveeeW kees Yeer Meeefceue kejlee nw. yeQke ves Yeejleere efjpeJe&
yeQke kes efoMeeefveosMeeW kes Devegmeej ^es [
E ie heesH& eeseuf eees nsleg yeepeej peeseKf ece hej hetpb eer heYeej
kes heefjkeueve kes efueS mW[[e&Fm[ [etjMs eve Dehees e veeceke Gefele heCeeueer Deheveeeer nw.
Fme hekeej heefjkeefuele hetpb eer heYeej kees peeseKf ece Jeeueer DeeeqmleeeW ceW Debleefjle efkeee peelee nw.
meer.Deej.S.Deej. keer ieCevee kes efueS $eCe peeseKf ece kes efueS kegue peeseKf ece Jeeueer DeeeqmleeeW,
yeepeej peeseKf ece leLee heefjeeueve peeseKf ece hej efJeeej efkeee peelee nw.
efoveebke 31 ceee& 2012 kees yeepeej peesefKece (mW[[e&Fm[ [etjsMeve Deheese kes
Devegmeej) hej hetbpeer heYeej efvecve hekeej nw :
ece meb.
Sl. No.
I
(i)
(ii)
(iii)
(iv)
II
a.
b.
III
peesefKece esCeer
Risk Category
IV
mW[[e&Fm[ [etjsMeve Deheese (I + II+III) kes Debleie&le yeepeej peesefKece kes efueS kegue hetbpeer heYeej
Total capital charge for market risks under Standardised duration approach (I + II+III)
yesmeue - II ekeerkejCe
IX.
heefjeeueve peesefKece
Yeejleere efjpeJe& yeQke kes efoMeeefveosMeeW kes DeeOeej hej, yeQke ves heefjeeueve peesefKece
kes efueS hetbpeer keer DeeJeMekeleeDeeW kes heefjkeueve kes efueS yesefmeke Fbef[kesj Deheese
Deheveeee nw. efoveebke 31 ceee& 2012 kees heefjeeueve peesefKece kes efueS peesefKece Jeeueer
Deeeqmle ` 2957.47 kejes[ Leer.
X.
yeepe oj peesefKece keer oes eqkeesCeeW mes ceehe SJeb efveiejeveer keer peeleer nw.
peesefKece hej Deee (heejbheefjke Deblejeue efJeMues<eCe) (DeuheeJeefOe) :
Fme Deheese kes Debleie&le yeQke keer efveJeue yeepe Deee hej yeepe oj ceW heefjJele&ve kes legjble
heYeeJe kee efJeMues<eCe efkeee peelee nw.
Basel II Disclosures
IX. Operational risk :
In line with RBI guidelines, Bank has adopted the Basic Indicator
Approach to compute the capital requirements for Operational
Risk. Risk Weight Asset for the Operational Risk as at 31st March,
2012 is at ` 2957.47 Crore.
X. Interest rate risk in the banking book (IRRBB) :
The interest rate risk is measured and monitored through two
approaches:
Earning at Risk (Traditional Gap Analysis)(Short Term):
The immediate impact of the changes in the interest rates on net
interest income of the bank is analyzed under this approach.
efJeefYeVe JeeleeJejCeeW ceW peesefKece ceW Deee Depe&ve kee efJeMues<eCe efvecve hekeej
efkeee ieee nw :
i.
Deee keJe& peesefKece : DeeeqmleeeW leLee oseleeDeeW kes efueS veeres keer Deesj 0.50%
heefjJele&ve ceevee peelee nw. Fme JeeleeJejCe ceW yeepe oj ceW 50 DeeOeej DebkeeW keer
efiejeJe mes Deieues Je<e& kes efueS efveJeue yeepe Deee hej ` 101.93 kejes[ kee
heefleketue heYeeJe he[siee.
1.
otmejs JeeleeJejCe ceW, efpemeceW ojW efveJesMe Deewj peceeDeeW kes efueS, Deefiece mebefJeYeeie
kes efueS veneR, 50 DeeOeej Debke ye{eF& peeleer nQ. Fme JeeleeJejCe ceW eefo yeepe ojeW
ceW 50 DeeOeej DebkeeW keer efiejeJe Deeleer nw lees yeQke keer efveJeue yeepe Deee hej
`65.76 kejes[ kee vekeejelceke heYeeJe nesiee.
2.
i.
1.
2.
ii.
ke. F&eqkeJeer kee Deee|Leke cetue %eele kejves nsleg F&eqkeJeer keer mebMeesefOele DeJeefOe heehle
kejves kes efueS DeeeqmleeeW leLee oseleeDeeW keer mebMeesefOele DeJeefOe keer ieCevee keer
peeleer nw. F&eqkeJeer kes Deee|Leke cetue kes Demej kes heYeeJe kee efJeMues<eCe DeJeefOe
Deblejeue heefle mes Iejsuet heefjeeueveeW kes efueS efveeefcele DeblejeueeW hej 100
DeeOeej DebkeeW keer oj hej kece kejkes efkeee peelee nw.
as under :
Yield curve risk : A parallel downward shift of 0.50% is
assumed for assets as well as liabilities. In this scenario, a fall
in interest rates by 50 basis points will impact NII for the next
year by only ` 101.93 crore.
In the second scenario where the rates are increased by 50 bps
for investments and deposits and not for advances portfolio. In
this scenario, if interest rates fall by 50 basis points, the Banks
NII will be impacted by negative `65.76 crore.
ii
term) :
a.
Ke. yeepe ojeW ceW 100 DeeOeej Debke kece efkeS peeves kes keejCe yeQke keer efveJeue mebheefe
hej kegue Demej Iejsuet heefjeeueveeW kes efueS efoveebke 31.03.2012 kees `293.21
kejes[ nw.
b. The net impact on Net Worth of the bank against 100 bps
yeQke ves Yeejleere efjpeJe& yeQke eje peejer yesmeue II efoMeeefveosMeeW kee Devegheeueve efkeee
nw efpemeceW vetvelece hetbpeer DeeJeMekelee, hekeve DeeJeMekelee Meeefceue nQ. keejesyeej
kes oewjeve yeQke ves Meeefceue peesefKece kees efveOee&efjle kejves, Gmekes heYeeJe kees ceeheves,
Gmes kece kejves keer lekeveerke Deheveeves/Ssmes peesefKeceeW kees kece kejves kes efueS
DeeJeMeke Gheee kece kejves kes efueS heCeeueer Deewj heefeee leweej keer nQ. Deeies Ssmes
peesefKeceeW keer efveiejeveer Deewj Gvekees kece kejves kee keee& efvejblej DeeOeej hej peejer
jnsiee.
The Bank has thus complied with the Basel II guidelines issued
Jeeef<e&ke efjHees&
2011 - 2012 | 86
31 ceee&, 2012 keer eqmLeefle kes Devegmeej legueve he$e BALANCE SHEET AS AT 31st MARCH 2012
Devegmeteer
As at 31.03.2012
`
As at 31.03.2011
`
1
2
3500585
41272729
3333891
33225353
3
4
5
771667970
38809480
18628402
642096190
16916597
12812164
873879166
708384195
SCH
pees[ TOTAL
Deeeqmleeeb ASSETS
Yeejleere efj]peJe& yeQke ceW vekeoer Deewj DeefleMes<e
51949556
47214119
yeQkees ceW DeefleMes<e Deewj ceebie hej leLee Deuhe metevee hej heehe Oeve
3562434
6873986
8
9
10
11
230276480
566925376
4066337
17098983
187689137
448280451
4037440
14289062
873879166
708384195
400112172
54747844
148333991
39624151
12
17
18
vethegj efce$ee
S.kes.oe
mebpeerJe eEpeoue
Sve.Sme.efJeeveeLeve
pes.yeeuemegyeceefCeeve
DeeF&.Sce.Deuces[e
DeOe#e SJeb heyebOe efveosMeke
keee&heeueke efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
Nupur Mitra
A K Dutt
Sanjeev Jindal
N S Vishwanathan J Balasubramanian
I M Almeida
Chairperson & Mg.Director
Executive Director
Director
Director
Director
Director
Sme.heer.Mecee&
efJepee kehetj
jekesMe ieeseue
[e.heerlece eEmen
jesefnle Sce osmeeF&
cegkesMe Sce ieghlee
efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
S P Sharma
Vijay Kapoor
Rakesh Goel
Dr. Pritam Singh
Rohit M Desai
Mukesh M Gupta
Director
Director
Director
Director
Director
Director
Deej.Sce.efket
peer.meer.ieie&
Sme.kes.pewve
cegKe heyebOeke
Ghe ceneheyebOeke
ceneheyebOeke
R M Tiku
G C Garg
S K Jain
Chief Manager
Dy. Gen. Manager General Manager
nceejer mebueive meceefoveebefkele Deueie efjhees& kes Devegmeej As per our separate report of even date attached
ke=les yeer.kes.Kejs SC[ ke=les ieebOeer efceveesee SC[ ke=les heer.kes.eeshe[e
ke=les Sme.Sve.OeJeve ke=les DeefJeveeMe kes jmleesieer ke=les Sme.meer.yeehevee SC[
keb.
keb
SC[ keb
SC[ keb
SC[ SmeesefmeSdme
SmeesefmeSdme
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
For B K Khare
For Gandhi Minocha For P K Chopra &
For S N Dhawan
For Avanish K
For S C Bapna &
& Co.
& Co.
Co.
& Co.
Rastogi & Associates.
Associates.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
osJeoee ceeFvekej
Devdatta Mainkar
Yeeieeroej Partner
Sce veb. M No 109795
YeteEheoj eEmen
Bhupinder Singh
Yeeieeroej Partner
Sce veb. M No 092867
kes.Sme.heesVegmJeeceer
K S Ponnuswami
Yeeieeroej Partner
Sce veb. M No 070276
megjsMe mes
Suresh Seth
Yeeieeroej Partner
Sce.veb M No 010577
DeefJeveeMe kes.jmleesieer
Avanish K Rastogi
Yeeieeroej Partner
Sce.veb M No 072506
peehekeeMe ieghlee
31 ceee&, 2012 kees meceehle Je<e& kes efueS ueeYe SJeb neefve uesKee PROFIT & LOSS A/C FOR THE YEAR ENDED 31st MARCH 2012
Devegmeteer
13
14
67941278
5821702
73762980
50335257
5338409
55673666
15
16
46931251
11547450
7252869
32701641
10734162
6121565
65731570
49557368
8031410
0
8031410
6116298
0
6116298
2409423
500000
15879
3885568
1220540
0
8031410
1834890
220000
22781
3183353
855274
0
6116298
24.08
21.26
SCH
Deee INCOME
Dee|pele yeepe Interest Earned
Deve Deee Other Income
pees[ TOTAL
Jee EXPENDITURE
Jee efkeee ieee yeepe Interest Expended
heefjeeueve Jee Operating Expenses
GheyebOe SJeb Deekeeqmceke oseleeSb
II
pees[ TOTAL
ueeYe / neefve PROFIT/LOSS
Je<e& kes efueS efveJeue ueeYe Net Profit for the year
Deeies ueeee ieee efveJeue ueeYe / neefve Net Profit/Loss Brought Forward
pees[ TOTAL
IV efJeefveeespeve APPROPRIATIONS
meebefJeefOeke Deejef#eefleeeW ceW DeblejCe Transfer to Statutory Reserve
efJeMes<e DeeOeejYetle Deejef#eefleeeW ceW DeblejCe Transfer to Special Infra Reserve
hetbpeeriele Deejef#eefleeeW ceW DeblejCe Transfer to Capital Reserves
jepemJe Deejef#eefleeeW ceW DeblejCe Transfer to Revenue Reserve
hemleeefJele ueeYeebMe (ueeYeebMe kej meefnle) Proposed Dividend (Incl. Dividend Tax)
leguevehe$e ceW Deeies ues peeee ieee DeefleMes<e Balance Carried over to Balance Sheet
pees[ TOTAL
heefle Mesej Depe&ve (`) (cetue / kece efkeee ngDee) Earnings Per Share (`) (Basic/Diluted)
(heefle Mesej kee Debefkele cetue ` 10/- ) (FV ` 10/- each share)
cenlJehetCe& uesKeebkeve veerefleeeb Significant Accounting Policies
uesKee Yeeie kes he ceW Notes forming Part of Accounts
III
Year ended
31.03.2012
`
Year ended
31.03.2011
`
17
18
vethegj efce$ee
S.kes.oe
mebpeerJe eEpeoue
Sve.Sme.efJeeveeLeve
pes.yeeuemegyeceefCeeve
DeeF&.Sce.Deuces[e
DeOe#e SJeb heyebOe efveosMeke
keee&heeueke efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
Nupur Mitra
A K Dutt
Sanjeev Jindal
N S Vishwanathan J Balasubramanian
I M Almeida
Chairperson & Mg.Director
Executive Director
Director
Director
Director
Director
Sme.heer.Mecee&
efJepee kehetj
jekesMe ieeseue
[e.heerlece eEmen
jesefnle Sce osmeeF&
cegkesMe Sce ieghlee
efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
efveosMeke
S P Sharma
Vijay Kapoor
Rakesh Goel
Dr. Pritam Singh
Rohit M Desai
Mukesh M Gupta
Director
Director
Director
Director
Director
Director
Deej.Sce.efket
peer.meer.ieie&
Sme.kes.pewve
cegKe heyebOeke
Ghe ceneheyebOeke
ceneheyebOeke
R M Tiku
G C Garg
S K Jain
Chief Manager
Dy. Gen. Manager General Manager
nceejer mebueive meceefoveebefkele Deueie efjhees& kes Devegmeej As per our separate report of even date attached
ke=les yeer.kes.Kejs SC[ ke=les ieebOeer efceveesee SC[ ke=les heer.kes.eeshe[e
ke=les Sme.Sve.OeJeve ke=les DeefJeveeMe kes jmleesieer ke=les Sme.meer.yeehevee SC[
keb.
keb
SC[ keb
SC[ keb
SC[ SmeesefmeSdme
SmeesefmeSdme
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
For B K Khare
For Gandhi Minocha For P K Chopra &
For S N Dhawan
For Avanish K
For S C Bapna &
& Co.
& Co.
Co.
& Co.
Rastogi & Associates.
Associates.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
osJeoee ceeFvekej
Devdatta Mainkar
Yeeieeroej Partner
Sce veb. M No 109795
YeteEheoj eEmen
Bhupinder Singh
Yeeieeroej Partner
Sce veb. M No 092867
kes.Sme.heesVegmJeeceer
K S Ponnuswami
Yeeieeroej Partner
Sce veb. M No 070276
megjsMe mes
Suresh Seth
Yeeieeroej Partner
Sce.veb M No 010577
DeefJeveeMe kes.jmleesieer
Avanish K Rastogi
Yeeieeroej Partner
Sce.veb M No 072506
peehekeeMe ieghlee
Jeeef<e&ke efjHees&
2011 - 2012 | 88
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
` 000 kees es[ efoee
31-03-2012 keer
II
III
IV
VI
` 000s omitted
31-03-2011 keer
As at 31.03.2012
As at 31.03.2011
30000000
30000000
3500585
3333891
3500585
3333891
9277009
7442119
2409423
1834890
11686432
9277009
1128112
1105331
Devegmeteer - 1 hetbpeer
SCHEDULE-1
CAPITAL
heeefOeke=le Authorised
heleske ` 10/- kes cetue Jeeues 300,00,00,000 Mesej
300, 00, 00,000 Shares of ` 10/- Each
peejer, DeefYeoe Deewj heoe hetbpeer
ISSUED, SUBSCRIBED AND PAID-UP
heleske ` 10/- kes cetue Jeeues 35,00,58,527 (efheues Je<e& 33,33,89,074) FeqkeJeer MesejeW keer kegue egkelee hetbpeer
35,00,58,527 (P Y 33,33,89,074) Equity Shares of ` 10/- Each Fully Paid Up
efpemeceW mes 19,33,85,874 (efheues Je<e&19,33,85,874) Mesej Yeejle mejkeej kes mJeeefcelJe ceW nQ
Of which, 19,33,85,874 (PY 19,33,85,874) shares are held by the Government of India
pees[ TOTAL
Devegmeteer - 2 Deejef#eefleeeb Deewj DeefOeMes<e
SCHEDULE-2 RESERVES AND SURPLUS
meebefJeefOeke Deejef#eefleeeb STATUTORY RESERVE
DeLeMes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
pees[ TOTAL - I
hetbpeer Deejef#eefleeeb CAPITAL RESERVE
DeLeMes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
pees[ TOTAL - II
hegvecet&ueebkeve Deejef#eefleeeb REVALUATION RESERVE
DeLeMes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
Je<e& kes oewjeve keewefleeeb Deduction During the year
pees[ TOTAL - III
Mesej heerefceece SHARE PREMIUM
DeLeMes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
pees[ TOTAL - IV
jepemJe Deejef#eefleeeb REVENUE RESERVE
DeLeMes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
pees[ TOTAL - V
efJeMes<e DeeOeejYetle Deejef#eefleeeb SPECIAL INFRA RESERVE
DeLeMes<e Opening Balance
Je<e& kes oewjeve keewefleeeb Deduction During the year
Je<e& kes oewjeve heefjJeOe&ve Addition During the year
pees[ TOTAL - VI
pees[ TOTAL (I + II + III + IV + V +VI)
nw
15879
22781
1143991
1128112
1967424
2086393
-109219
1858205
-118969
1967424
7484405
2560064
1345725
4924341
8830130
7484405
12548403
9354750
3885568
3193653
16433971
12548403
820000
600000
500000
220000
1320000
820000
41272729
33225353
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
` 000 kees es[ efoee
31-03-2012 keer
As at 31.03.2012
`
Devegmeteer - 3 efve#eshe
SCHEDULE-3
DEPOSITS
ceebie efve#eshe DEMAND DEPOSITS
I
i. yeQkeeW mes From Banks
ii. Deve mes From Others
II yeele yeQke efve#eshe Savings Bank Deposits
III meeJeefOe efve#eshe Term Deposits
i. yeQkeeW mes From Banks
ii. Deve mes From Others
pees[ TOTAL
i. Yeejle ceW eqmLele MeeKeeDeeW keer peceejeefMeee Deposits of Branches in India
ii. Yeejle mes yeenj eqmLele MeeKeeDeeW keer peceejeefMeeeb Deposits of Branches Outside India
pees[ TOTAL
Devegmeteer - 4 GOeej
SCHEDULE-4
BORROWINGS
Yeejle ceW GOeej Borrowings in India
I
i. Yeejleere efj]peJe& yeQke Reserve Bank of India
ii. Deve yeQke Other Banks
iii. Deve mebmLeeSb Deewj DeefYekejCe Other Institutions and Agencies
iv. yeeb[ BONDS
a) veJeesvcesMeer mLeeeer $eCeefueKele(DeeF&heer[erDeeF&) Innovative Perpetual Debt Instrument (IPDI)
b) Thejer erej II yeeb[ Upper Tier II Bonds
c) mLeeeer mebeeer DeefOeceeve Mesej (heermeerheerSme) Perpetual Cumulative Preference Shares (PCPS)
d) heefleose iewj - mebeeer DeefOeceeve Mesej (Deej.Sve.meer.heer.Sme)
Redeemable Non-Cumulative Preference Shares (RNCPS)
e) heefleose mebeeer DeefOeceeve Mesej (Deej.meer.heer.Sme)
Redeemable Cumulative Preference Shares (RCPS)
f) DeheefleYetle ieewCe $eCe Subordinated Debts Unsecured @
II Yeejle kes yeenj mes GOeej BORROWINGS OUTSIDE INDIA
pees[ TOTAL
@efpemeceW mes erej II hetbpeer kee hee$e efnmmee @ Out of which, eligible part of Tier II capital
Devegmeteer - 5 Deve oseleeSb Deewj heeJeOeeve
SCHEDULE-5 OTHER LIABILITIES & PROVISIONS
mebose efyeue Bills Payable
I
II Deblej keeee&uee meceeeespeve (efveJeue) Inter Office Adjustments (NET)
III ose yeepe Interest Payable
IV ceeveke DeeeqmleeeW nsleg Deekeeqmceke heeJeOeeve Contingent Provisions Against Standard Assets
V Deve (heeJeOeeve meefnle)Others (Including Provisions)
pees[ TOTAL
nw
` 000s omitted
31-03-2011 keer
As at 31.03.2011
741654
670530
72730200
54186650
193168396
173246513
32524576
21376546
472503144
392615951
771667970
642096190
771667970
642096190
771667970
642096190
19600000
1000000
752780
756597
2500000
2500000
3000000
3000000
0
9660000
0
9660000
3296700
38809480
7200000
16916597
7920000
2932076
2957631
632756
2691736
2242341
2512069
1666408
9859765
5945784
18628402
12812164
Jeeef<e&ke efjHees&
2011 - 2012 | 90
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
31-03-2012
3387840
2413171
48561716
44800948
Yeejleere efj]peJe& yeQke ceW DeefleMes<e Balances with Reserve Bank of India
eeuet Keeles ceW In Current Accounts
ii. Deve KeeleeW ceW (SueSSHe kes lenle) In other Accounts (Under Laf)
pees[ TOTAL
i.
51949556
47214119
617278
541140
2500000
907677
Devegmeteer - 7 yeQkeeW ceW DeefleMes<e leLee ceebie SJeb Deuhe metevee hej heehe Oeve
SCHEDULE 7 BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
I
Yeejle ceW In India
i. yeQkeeW ceW DeefleMes<e Balances with Banks
a. eeuet KeeleeW ceW In Current Accounts
b. Deve pecee KeeleeW ces In other Deposit Accounts
ii. ceebie Deewj Deuhe metevee hej heehe Oeve Money at Call and Short Notice
iii. a. yeQkeeW kes heeme With Banks
b. Deve mebmLeeDeeW kes heeme With other Institutions
pees[ TOTAL - I
II Yeejle kes yeenj Outside India
i. eeuet KeeleeW ceW In Current Accounts
ii. Deve pecee KeeleeW ceW In other Deposit Accounts
iii. ceebie Deewj Deuhe metevee hej heehe Oeve Money at Call and Short Notice
pees[ TOTAL - II
pees[ TOTAL (I + II)
` 000
31-03-2012
Devegmeteer - 8 efJeefveOeeve
SCHEDULE-8 INVESTMENTS
I Yeejle ceW efvecve ceW efJeefveOeeve Investments in India In
i. mejkeejer heefleYetefleeeB Government Securities*
ii. Deve Devegceesefole heefleYetefleeeB Other Approved Securities
iii. Mesej Shares
iv. ef[yeWej Deewj yebOehe$e Debentures And Bonds
v. meceveg<ebieer Deewj/DeLeJee men Gece Subsidiaries and/or Joint Ventures
vi. Deve Others
a. Gece hetbpeer Venture Capital
b. cetegDeue Heb[ keer etefveW Units of Mutual Funds
c. DeejDeeF[erSHe peceejeefMe Ridf Deposit
keer
eqmLeefle kes Devegmeej
As at 31.03.2012
226535
2000000
3117278
3448817
68804
445156
3356365
445156
3425169
3562434
6873986
` 000s omitted
31-03-2011
keer
eqmLeefle kes Devegmeej
As at 31.03.2011
194047176
152521948
189255
373780
1113318
1450854
7842482
5511068
483225
217225
145375
43722
139483
13813769
12140345
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
` 000
31-03-2012
II
d.
e.
f.
g.
h.
i.
keer
eqmLeefle kes Devegmeej
As at 31.03.2012
keer
eqmLeefle kes Devegmeej
As at 31.03.2011
1448783
141613
175593
6734427
11104191
123675
123675
2382900
1685600
` 000s omitted
31-03-2011
2469200
26601024
1316400
27614262
230276480
187689137
230276480
187689137
232077990
188602234
1801510
913097
230276480
187689137
605000
500000
Devegmeteer - 9 Deefiece
SCHEDULE-9 ADVANCES
A. i. Kejeros Deewj YegveeS ieS efyeue Bills Purchased and Discounted
ii. vekeo GOeej, DeesJej [^eh Deewj ceebie hej heeflemebose $eCe
Cash Credits, Overdrafts and Loans Repayable on Demand
iii. meeJeefOe $eCe Term Loans
pees[ TOTAL
B. i. cetle& DeeeqmleeeW eje heefleYetle Secured by Tangible Assets*
ii. yeQke / mejkeejer heleeYetefleeeW eje mebjef#ele Covered by Bank/Govt. Guarantees
iii. DeheefleYetle Unsecured
pees[ TOTAL
*yener $eCeeW hej efoS ieS DeefieceeW meefnle * Includes advances against book-debts
C. I. Yeejle ceW Deefiece Advances in India
i. heeLeefcekelee #es$e Priority Sector
ii. Yeejle mejkeej mes heehe jeefMe(S[er[yuet[erDeejSme - 2008 )kes Debleie&le
Amount Receivable from Goi (Under Adwdrs-2008)
iii. meeJe&peefveke #es$e Public Sector
iv. yeQkeeW Banks
v. Deve Others
pees[ TOTAL
II. Yeejle kes yeenj Deefiece Advances Outside India
pees[ TOTAL
21613167
9554849
259809319
222124356
285502890
216601246
566925376
448280451
437331923
320393165
31385873
45363229
98207580
82524057
566925376
448280451
171530541
151244750
251852
119820894
122142016
28
4001042
275573913
170640791
566925376
448280451
566925376
448280451
Jeeef<e&ke efjHees&
2011 - 2012 | 92
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
31-03-2012
4335283
4333235
0
90
0
0
2048
0
-1694674
-1555632
2655467
2781148
4116918
3916876
14768
1497
453545
375464
-149530
-175422
-3101206
-2923518
3975194
3974548
427773
375620
60401
0
52153
0
-397031
-364881
1319727
1193400
91143
4066337
62892
4037440
0
5897669
6102138
1455570
4615262
3415952
163910
26041
98600
766010
31953
98600
4810625
3905715
17098983
14289062
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kes legueve-he$e kes Yeeie kes he ceW Devegmetefeeeb SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31st MARCH 2012
II.
III.
IV.
a)
19144290
24890255
309659145
71730409
34872764
28619051
36435973
23094276
400112172
148333991
54747844
39624151
pees[ TOTAL
31 ceee&, 2012 kees meceeHle Je<e& kes efueS ueeYe SJeb neefve uesKee mes mebyebefOele Devegmetefeeeb
SCHEDULES FORMING PART OF PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2012
` 000 kees es[ efoee nw ` 000s omitted
31-03-2011
31-03-2012
kees meceeHle Je<e&
kees meceeHle Je<e&
Year ended
Year ended
31.03.2012
31.03.2011
51611717
38204298
15444037
11927259
380131
162747
505393
40953
67941278
50335257
Jeeef<e&ke efjHees&
2011 - 2012 | 94
Devegmetefeeeb SCHEDULES
31 ceee&, 2012 kees meceeHle Je<e& kes efueS ueeYe SJeb neefve uesKee mes mebyebefOele Devegmetefeeeb
SCHEDULES FORMING PART OF PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH 2012
` 000 kees es[ efoee nw ` 000s omitted
31-03-2011
31-03-2012
kees meceeHle Je<e&
kees meceeHle Je<e&
Year ended
Year ended
31.03.2012
31.03.2011
OTHER INCOME
I.
1591966
1428482
259197
346805
18998
240199
(3231)
(3831)
822141
523550
359983
278178
2704038
2871831
5821702
5338409
45281960
31173754
177526
80294
II.
1471765
1447593
46931251
32701641
7146753
6881958
OPERATING EXPENSES
977616
809150
125450
117902
82685
163526
355981
305512
16812
10433
102053
93934
56874
48771
322143
286245
182749
165609
673526
563750
1504808
1287372
11547450
10734162
Devegmetefeeeb SCHEDULES
Devegmeteer 17
cenlJehetCe& uesKeebkeve veerefleeeb
17.1 uesKeebkeve kee DeeOeej
yeQke keer uesKeebkeve efJeJejefCeeeb, peye leke keneR DeveLee GuuesKe ve nes, uesKeebkeve kes
Gheee DeeOeej hej Ssefleneefmeke ueeiele mebkeuhevee kes Debleie&le leweej keer ieF& nQ Deewj
Yeejle ceW mJeerke=le ceeveke uesKeebkeve hejbhejeDeeW (peer.S.S.heer) kes meYeer Yeewefleke ceeveob[eW
kes Deveghe nQ, efpemeceW heYeeJeer meebefJeefOeke heeJeOeeve, Yeejleere efjpeJe& yeQke eje efveOee&efjle
efveeb$eke ceeveob[ / efoMeeefveosMe, ueeiet nesves keer meercee leke, Fbeqmet Dee@He ee&[
SkeeGbW Dee@He Fbef[ee (DeeF&.meer.S.DeeF&) eje peejer uesKeebkeve ceeveke Deewj Yeejle
ceW yeQeEkeie Geesie ceW meeceeve he ceW heeefuele heLeeSb Meeefceue nQ.
17.2 DevegceeveeW kee Gheeesie
peer.S.S.heer kes Devegmeej efJeeere efJeJejefCeeeb leweej kejves kes efueS heyebOeve kees efJeeere
efJeJejefCeeeW keer leejerKe kees oMee&eer ieF& DeeeqmleeeW Deewj oseleeDeeW (Deekeeqmceke oseleeSb
meefnle) keer jkece leLee efjhees& keer DeJeefOe kes efueS metefele Deee Deewj Jee kes efueS
kegue Deekeueve Deewj OeejCee yeveeves keer DeeJeMekelee nesleer nw. heyebOeve en efJeeeme
jKelee nw efke efJeeere efJeJejefCeeeW keer leweejer ceW Gheeesie efkeS ieS Devegceeve efJeJeskehetCe&
Deewj meblegefuele nw.
17.3 efJeefveOeeve
ke. JeieeakejCe kee DeeOeej
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej mecemle efJeefveOeeveeW kees leerve esefCeeeW
ceW DeLee&led i) heefjhekeJelee leke Oeeefjle ii) efJeee nsleg GheueyOe Deewj iii) Jeeheej nsleg
Oeeefjle ceW Jeieeake=le efkeee ieee nw leLee uesKeeW ceW GvnW esefCeeeW ceW cetueneme heeJeOeeve
kes yeeo efveJeue cetue hej heke efkeee ieee nw.
Ke. cetue-efveOee&jCe
efJeefveOeeveeW kee cetue-efveOee&jCe Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej
efvecveefueefKele he ceW efkeee peelee nw
DeeOeej
`heefjhekeJelee leke Oeeefjle'
Fme esCeer kes Debleie&le Oeeefjle efJeefveOeeveeW kees yeefneeW ceW Gvekeer Depe&ve ueeiele hej Deeies
ues peeee ieee nw. eefo keesF& heerefceece Depe&ve hej Deoe efkeee ieee nw lees Jen meerOeer jsKee
heefle kes heeesie mes heefjMeesefOele efkeee ieee nw.
`efyeeer kes efueS GheueyOe' leLee `Jeeheej kes efueS Oeeefjle'
Fve efJeefveOeeveeW kees yeepeej kes efueS heneeve kejkes Deueie jKee peelee nw. heleske
esefCeeeW kes efueS cetueeme/heefjJeOe&ve kees efceuee efueee ieee nw. heleske esCeer kes efueS
efveJeue cetueeme eefo keesF& nes, kee heeJeOeeve efkeee ieee nw, efkevleg efveJeue DeefOecetueve
kees es[ efoee ieee nw.
ie. keee&efJeefOe
yeQke kes meYeer efveJesMeeW kee cetueebkeve efveeefcele he ceW Deewmele ueeiele efJeefOe mes efkeee peelee
nw. efveJesMe kes ceeceues ceW Gefele heelf eYetelf eeeW kes yeepeej cetue, efyeeer kes efueS GheueyOe Deewj
Jeeheej kes efueS Oeeefjle eseCf eeeW meefnle kees ceevelee heehle me@ke Skemeesvpe kes yeepeej YeeJe
ojeW DeLeJee Yeejleere efjp] eJe& yeQke keer cetue-meteer kes DeeOeej hej efueee ieee nw.
peneB yeepeej YeeJe GheueyOe ve nes Deewj iewj metefele heefleYetefleeeW kes ceeceues ceW cetue
kee efveOee&jCe Yeejleere heeLeefceke efJeeslee mebIe eje efveele Deee-cege yeepeej Deewj
Yeejleere heeglheVeer mebIe kes meeLe mebege he mes Ieesef<ele cetue/heefjhekeJelee Deee hej
leLee SDeejmeer /Smemeer keer cegetDeue Heb[ keer etefveeW/SmeDeej kes efveJeue Deeeqmle cetue
SJeb kebheefveeeW kes MesejeW kes efveJeue yener cetue kes DeeOeej hej efkeee peelee nw.
#es$eere ieeceerCe yeQkeeW ceW Mesej hetpb eer peceejeefMeeeW meefnle efJeefveOeeve Deewj Kepeevee efyeue, JeeefCepe
he$e, ieeceerCe FbHeem^keej efJekeeme yeeBC[ kee cetueve eefuele ueeiele hej efkeee ieee nw.
Ie. Deee efveOee&jCe SJeb efJeJeskehetCe& ceeveov[
yeQke ves Yeejleere efj]peJe& yeQke eje mecee mecee hej meYeer efveJesMeeW kes Deeeqmle JeieeakejCe,
Deee efveOee&jCe SJeb efJeefveOeeveeW kes heeJeOeeve kes mebyebOe ceW leweej efkeS ieS efJeJeskehetCe&
ceeveob[eW kee Devegheeueve efkeee nw.
SCHEDULE 17
SIGNIFICANT ACCOUNTING POLICIES
17.1 BASIS OF ACCOUNTING
The Banks financial statements are prepared under the historical
cost convention, on accrual basis of accounting, unless otherwise
stated and conform in all material aspects to Generally Accepted
Accounting Principles (GAAP) in India, which comprise applicable
statutory provisions, regulatory norms/guidelines prescribed by
Reserve Bank of India (RBI), Accounting Standards issued by the
Institute of Chartered Accountants of India (ICAI), to the extent
applicable and generally the practices prevailing in the banking
industry in India.
17.2 USE OF ESTIMATES
The preparation of financial statements in conformity with GAAP
requires the management to make estimates and assumptions
considered in the reported amounts of assets and liabilities
(including contingent liabilities) as of the date of the financial
statements and the reported income and expenses during the
reporting period. Management believes that the estimates used
in the preparation of the financial statements are prudent and
reasonable.
17.3 INVESTMENTS
A Basis of Classification
Investments have been categorized as per guidelines of Reserve
Bank of India (i) Held to Maturity, (ii) Available for Sale (iii) Held for
Trading and are disclosed in the accounts under six classifications
at the value net of depreciation provision thereon.
B Valuation
Investments are valued as per Reserve Bank of India guidelines in
the following manner:
Basis:
Held to Maturity
Investments held under this category are carried in books at their
acquisition cost. Premium, if any, paid on acquisition is amortized
using straight line method.
Available for Sale and Held for Trading
These Investments are marked to market scrip wise. Depreciation/
Appreciation for each of six classifications is aggregated; net
depreciation, if any, for each classification is provided for, but net
appreciation is ignored.
C Methodology
All investments of bank are valued consistently on Average Cost
Method. Market value of quoted securities in case of Investments
included in the `Available for Sale and `Held for Trading
categories is taken based on market quotations of recognized
stock exchange/s or price list of Reserve Bank of India.
The value in case of unquoted securities and securities where
market quotes are not available, is determined based on Prices /
Yield to Maturity declared by Primary Dealers Association of India
jointly with Fixed Income Money Market and Derivatives Association
of India and Net Asset Value in case of units of Mutual Funds / SRs
of ARCs / SCs and Net Book Value in case of Shares of Companies.
Treasury Bills, Commercial Papers, Rural Infrastructure
Development Funds and Investments including Share Capital
Deposits in Regional Rural Banks are valued at carrying cost.
D INCOME RECOGNITION AND PRUDENTIAL NORMS
Bank follows the prudential norms formulated by Reserve Bank of
India, from time to time, as to Asset Classification of all Investments,
Income Recognition and Provisioning on such Investments.
Jeeef<e&ke efjHees&
2011 - 2012 | 96
Devegmetefeeeb SCHEDULES
efJeefveOeeve uesveosveeW hej keceerMeve, oueeueer, Kebef[le DeJeefOe kes yeepe Deeefo kees uesves-osves
kes Je<e& ceW ueeYe neefve uesKes ceW veeces / pecee efkeee ieee nw.
heefjhekeJelee leke Oeeefjle esCeer kes lenle efJeefveOeeveeW ceW mes efJeefveOeeveeW keer efyeeer mes ngS
ueeYe kees neefve uesKes ceW efueee peelee nw Deewj Gmekes yeeo Deejef#ele hetbpeer Keeles ceW
efJeefveeesefpele efkeee peelee nw, peyeefke efyeeer hej neefve kees ueeYe SJeb neefve Keeles ceW
meceeefnle efkeee peelee nw.
17.4 Deefiece
ke) yeQke ves Deeeqmle JeieeakejCe Deee efveOee&jCe Deewj Deefiece kes efueS heeJeOeeveerkejCe kes
mebyebOe ceW Yeejleere efj]peJe& yeQke eje mecee - mecee hej efveOee&efjle efJeJeskemeccele ceeveob[eW
kee DevegmejCe efkeee nw leLee leovegmeej meYeer DeefieceeW kees ceeveke, Gheceeveke, mebefoiOe
SJeb DeMeesOe Deeeqmle kes he ceW Jeieeake=le efkeee ieee nw.
Ke) Deefiece Sve.heer.S. KeeleeW kes efueS heeJeOeeve kes meeLe oMee&S ieS nQ. Sve.heer.S KeeleeW
kes mebyebOe ceW hegveie&efle KeeleeW kes Gefele cetue ceW efiejeJe kes yeoues ceW heeJeOeeve, efJeefJeOe
Keeles ceW Mes<e, heehle [er.DeeF&.meer.peer.meer oeJes/ F&.meer.peer.meer oeJes Deewj meceeeespeve
nesves leke Deefvee|Cele jKes ieS , DeebefMeke Yegieleeve heehle Deewj Geble Keeles ceW jKee ieee.
ie) ceeveke DeeeqmleeeW kes efueS efJeJeskemeccele ceeveob[eW kes DevegmejCe ceW meeceeve heeJeOeeve efkeS ieS
nQ. ceeveke DeeeqmleeeW hej heeJeOeeve Deewj Sve.heer.S KeeleeW keer efyeeer ceW Deefleefje heeJeOeeve legueve
he$e keer Devegmeteer meb. 5 ceW Deve oseleeSb leLee heeJeOeeve ceW Meeefceue efkeS peeles nQ.
Ie) SveheerS KeeleeW ceW keer ieF& Jemetueer meJe&heLece yekeeee cetueOeve ceW meceeeesefpele keer
peeleer nw SJeb DeefOeMes<e jeefMe eefo keesF& nes, lees Gmes Deee ceevee peelee nw.
*) Deeeqmle hegvee|vecee&Ce kebheveer (S.Deej.meer.)/heefleYeteflekejCe kebheveer (Sme.meer.)/
yeQkeeW/efJeeere mebmLeeDeeW/SveyeerSHemeer kees yeseer ieF& efJeeere mebheefeeeW kes ceeceueeW ceW
eefo efyeeer cetue efveJeue yener cetue (Sve.yeer.Jeer.) DeLee&led yener cetue-heeJeOeeve mes kece nw
lees Gmes ueeYe SJeb neefve Keeles ceW [sefye efkeee ieee nw. eefo efyeeer cetue efveJeue yener cetue
mes DeefOeke nw lees heeJeOeeve keer DeefOeke jeefMe kees heleeJee|lele kejves kes yepeee Gmekee
Gheeesie Deeeqmle S.Deej.meer/Sme.meer/yeQkeeW/SHe.DeeF&/Sve.yeer.SHe. meer kees yeseer ieF&
Deve efJeeere DeeeqmleeeW ceW nesves Jeeueer neefve keer YejheeF& nsleg efkeee peeSiee.
17.5 Deeue Deeeqmleeeb Deewj cetueeme
ke) eqmLej DeeeqmleeeW kee GuuesKe ,kegske heefjmejeW kees es[kej efpevnW hegvecet&ueebefkele
jkece hej oMee&ee ieee nw, Ssefleneefmeke ueeiele hej efkeee peelee nw.
Ke) heefjmej ceW keeflehee mebheefeeeW mes mebyebefOele Yetefce keer Ssmeer ueeiele Meeefceue nw efpemes
Deueie veneR efkeee pee mekelee nw.
ie) kechetj ne[&Jesej pees 01.04.2000 mes henues Kejeros iees nQ, hej 25% heefleJe<e&
keer oj mes [yuet. [er. Jeer. efJeefOe mes cetueeme ueieeee peelee nw peyeefke kechetj
ne[&Jesej efpevekees 01.04.2000 kees ee Gmekes yeeo Kejeroe ieee nw Gve hej cetueeme
keer meerOeer jsKee efJeefOe mes 33.33% heefleJe<e& keer oj mes cetueeme ueieeee peelee nw. Mes<e
hej Deeekej efveece 1962 kes Debleie&le efveOee&efjle oj hej Ies ngS cetue ([yuet.[er.
Jeer.) efJeefOe mes cetueneme ueieeee peelee nw.
Ie) Je<e& kes 30 efmelebyej leke eqmLej DeeeqmleeeW ceW heefjJeIe&ve hej cetue neme kees hetCe& oj
hej ueieeee ieee nw Deewj Gmekes yeeo efkeS ieS heefjJeOe&veeW hej cetueneme DeeOeer oj hej
ueieeee ieee nw.
[.) heeOeeefjle Yetefce keer ueeiele kee heefjMeesOeve, hes keer DeJeefOe nsleg efkeee ieee nw.
e) hegvecet&ueebefkele efnmmes hej ueieeee ieee DeJe#eeCe hegvecet&ueebkeve Deejef#eefle uesKee
hej heYeeefjle efkeee ieee nw.
) kebhetj mee@hJesej KeeeX kees Decetle& Deeeqmleeeb ceevee ieee nw leLee Gvns heebe Je<eex
kes yeeo heefjMeesefOele efkeee ieee nw, efpemes Gve DeeeqmleeeW kee Gheeesieer Deee|Leke peerJeve
ceevee peelee nw.
pe) eqmLej DeeeqmleeeW ceW heieefleMeerue keee& mes mebyebefOele hetBpeer Meeefceue nw.
17.6 Dehemeeceeve Deeeqmleee
eqmLej DeeeqmleeeW keer eefo keesF& Dehemeeceeve Deeeqmleeeb nes, uesKeebkeve ceeveke 28
-Dehemeeceeve Deeeqmleeeb, DeeF&meerSDeeF& eje peejer efveosMeeW kes Devegmeej efnmeeye ceW
efueee peelee nw Deewj ueeYe Deewj neefve Keeles kees heYeeefjle efkeee peelee nw.
Devegmetefeeeb SCHEDULES
17.7 heeOeeefjlee
uesKeebkeve
heefjeeueveiele hee hej efueS ieS DeeeqmleeeW kes efueS hes kee Yegieleeve , hes kes DeJeefOe kes
oewjeve uesKeebkeve ceeveke 19 -hee, DeeF&.meer.S.DeeF& eje peejer efveosMeeW kes DevegmejCe
ceW ueeYe Deewj neefve Keeles kes efnmeeye ceW efueee peelee nw.
17.8 iewj-yeQeEkeie Deeeqmleeeb
iewj-yeQeEkeie DeeeqmleeeW kee GuuesKe ueeiele hej efkeee peelee nw.
17.9 jepemJe efveOee&jCe
i) meeKe he$e / yeQke ieejbefeeW / mejkeejer keejesyeej/ yeercee hee@efueefmeeeW / cetegDeue
Heb[ GlheeoeW kes efJelejCe hej keceerMeve, uee@kej efkejeee, kej keer Jeehemeer hej yeepe,
ueeYeebMe, cetegDeue Heb[eW keer FkeeFeeW hej Deee, efkejeee Deee leLee efJeefYeVe pecee
KeeleeW hej mesJee heYeej kees Jemetueer kes DeeOeej hej efueee peelee nw .
ii) iewj efve<heeoke $eCeeW SJeb DeefieceeW hej yeepe/ t Deewj DeefieceeW / efveJesMe kee
efveOee&jCe Yeejleere efjpeJe& yeQke kes efJeJeskehetCe& efoMee efveosMeeW kes Devegmeej Jemetueer keer
meercee leke efkeee peelee nw.
iii) yes Keeles [eues iees DeefieceeW / efJeefveOeeveeW ceW ngF& Jemetueer kees efJeefJeOe Deee kes he ceW
uesKeebefkele efkeee pee jne nw.
iv) Geble heeeqhleeeW ceW 5 Je<eeX mes DeefOeke keer DeJeefOe leke he[s iewj oeJeeke=le pecee Mes<eeW
kees `efJeefJeOe Deee' kes he ceW ceevee pee jne nw. Fmekes heeeled kes oeJes, eefo ieenkeeW kees
keg Deoe efkeS ieS nQ lees Gmes Yegieleeve Je<e& ceW Jee kes he ceW heYeeefjle efkeee peelee nw.
17.10 Jee kee efnmeeye
(i) Yeejleere efjpeJe& yeQke kes heefjhe$e efoveebke 22 Deiemle 2008 kes DevegmejCe ceW,
efoveebke 22.08.2008 kees ee Gmekes yeeo heefjhekeJe Deewj Deoe meeJeefOe pecee jeefMeeeW
hej ose yeepe kee efnmeeye yeele yeQke oj hej Gheee DeeOeej hej efoee ieee nw.
(ii) MesejeW, yeeb[eW Deeefo kes efveie&ce kes Jee kees efpeme Je<e& ceW Jee efkeee ieee Gme Je<e&
ceW efnmeeye ceW efueee peelee nw.
(iii) Jeeo oeej KeeleeW kes ceeceueeW ceW efJeefOeke JeeeW kees ueeYe SJeb neefve uesKes ceW [euee
peelee nw.
(iv) mJeweqke mesJeeefveJe=e eespevee(Jeer.Deej.Sme) hej Kee& jkece kees Yegieleeve Jeeues
Je<e& ceW Meeefceue efkeee peelee nw.
17.11 efJeosMeer efJeefvecee ojeW ceW heefjJele&veeW kee heYeeJe
ke) yekeeee Jeeoe efJeosMeer cege mebefJeOeeDeeW meefnle efJeosMeer cege ceewefke ceoeW kee
cetueebkeve Yeejleere efJeosMeer cege Jeeheejer mebIe (Hes[eF& ) eje Je<ee&vle ceW peejer ojeW hej
efkeee peelee nw leLee Fme hekeej kes hegve&cetueebkeve kes HeuemJehe nesves Jeeues ueeYe SJeb
neefve kees ueeYe SJeb neefve uesKeeW ceW oMee&S nw.
Ke) efJeosMeer cege iewj - ceewefke ceoW pees Ssefleneefmeke ueeiele kes Devegmeej efueS ieS nQ,
uesve osve keer leejerKe kees efJeefvecee oj hej oMee&S nQ.
ie) ieejbefeeW, meeKe he$eeW, mJeerke=efleeeW, hejebkeveeW Deewj efJeosMeer cege keer Deve
yeeOeleeDeeW kees Yeer legueve he$e ceW oMee&ves nsleg Je<ee&vle ceW Hes[eF& eje peejer ojeW hej
hegve&cetueebefkele efkeee ieee nw.
Ie) Deee SJeb Jee mes mebyebefOele ceoeW kees uesve-osve keer efleefLe kees heeefuele efJeefvecee ojeW
hej efveOee&efjle efkeee ieee nw.
17.12 kece&eejer ueeYe
ieps eger, heWMeve SJeb mesJeeefveJe=ef e nesves hej ose DeJekeeMe vekeoerkejCe ; leLee Deve kece&eejer
megeJf eOeeSb , DeeF& meer S DeeF& eje peejer S.Sme 15[Deej] uesKee ceevekeeW keer Dehes#ee Devegmeej
yeerceebekf ele cetueebkeve kes Devegmeej ueeYe Deewj neefve Keeles kees heYeeefjle keer peeleer nQ. efJeeceeve
kece&eeefjeeW eje efleere heWMeve efJekeuhe efoS peeves leLee ies eter meercee ` 3.50 ueeKe mes
` 10 ueeKe leke ye{eS peeves kes keejCe ngF& oselee, Yeejleere efjpeJe& yeQke kes heefjhe$e meb
Jeeef<e&ke efjHees&
2011 - 2012 | 98
Devegmetefeeeb SCHEDULES
[eryeerDees[er.meb.yeerheer.yeermeer.80/21.04.018/2010-11 efoveebke 09 HejJejer 2011 kes
Devegmeej efJee Je<e& 2010-11 mes 5 Je<e& ceW heefjMeeseOf ele keer peeSieer.
17.13 Deee hej kej
Jele&ceeve kej kes efueS heeJeOeeve ueeiet kej keevetve , veeefeke Iees<eCeeDeeW/ efJeefOeke celeeW
leLee hetJe& efveOee&jCeeW kes DeeOeej hej ieCevee keer ieF& jeefMe hej ueeiet kej keer oj kee heeesie
kejles ngS efkeee ieee nw.
DeemLeefiele kej keer heneeve Ske DeJeefOe ceW GlheVe kej mes Deee Deewj uesKeebkeve Deee kes
yeere kes Deblej kees oMee&vesJeeueer Deewj Ske ee DeefOeke leovevlej DeblejeueeW ceW heefleieeceer
keer #ecelee kes DeeOeej hej keer peeleer nw. DeemLeefiele kej DeeeqmleeeW Deewj oseleeDeeW
keer ieCevee DeefOeefveeefcele ee legueve he$e leejerKe leke DeefOeefveeefcele kej ojeW Deewj kej
efJeefOeeeW kes heeesie mes keer peeleer nw.
17.14 heeJeOeeveeW, Deekeeqmceke oseleeSb Deewj Deekeeqmceke Deeeqmleeeb
ke. uesKeebkeve ceeveke 29- DeeF&.meer.S.DeeF& eje peejer heeJeOeeveeW, Deekeeqmceke
oseleeDeeW Deewj Deekeeqmceke DeeeqmleeeW kes Devegmeej, yeQke leYeer heeJeOeeveeW kees heneevelee
nw peye hetJe& efkemeer Ievee kes keejCe Gmes Jele&ceeve ceW keesF& yeeOelee nes, en mebYeeJevee nes
mekeleer nw efke mebmeeOeveeW kes yee|nieceve mes yeeOelee kee efveheeve nes peeS Deewj yeeOelee
keer jkece kee efJeemle Devegceeve ueieeee pee mekelee nw.
Ke. Deekeeqmceke oseleeDeeW kee hekeve Ssmes ceeceues ceW efkeee peelee nw peye Jele&ceeve ee
YeefJe<e ceW yeeOelee nw Deewj en mebYeeJevee veneR nw efke Gmekes efveheeve kes efueS mebmeeOeveeW
kes yee|nieceve keer DeeJeMekelee he[s.
ie. Deekeeqmceke oseleeDeeW kees ve ner efnmeeye ceW efueee nw Deewj ve ner Gmekee hekeve
efkeee nw.
Devegmeteer - 18
uesKee Yeeie kes he ceW efhheefCeeeB
18.1 ke) ceee& 2012 leke Deblej MeeKee uesKeeW ceW yekeeee heefJeeqeeW kee helee ueiee
efueee ieee nw Deewj Gvekes meceeeespeve keer heefjCeeceer heefeee heieefle hej nw.
Ke) efHevesefkeue heCeeueer ceW mJeeb mJele meblegueve neslee nw leLeeefhe keg MeeKeeDeeW ceW
heejbefYeke peer.Sue Meer<e& pewmes S.Deej.yeer.Se, ceeie&mLe ceoW, Geble heeeqhle , yeer.meer.meer.
[er., Yegieleeve keer ieF& heWMeve, meeryeerSme ceW heefjJele&ve keer DeJeefOe leke Demeceeeesefpele nQ.
meceeeespeve kee keee& heieefle hej nw. Gmekes heeeled 10 efomebyej 2011 mes efJeefMe Meer<e&
(pees efke mJeeb meblegueveJeeueer heke=efle kes nQ) peer.Sue.Meer<e& (memheWme Yegieleeve), S.Deej.
yeer.Se, ceeie&mLe ceoW, mebhes<eCe, ueeYeebMe Jeejb, Yegieleeve keer ieF& heWMeve, Yegieleeve
efkeS ieS jerHeb[ Dee[&j, vekeo hes<eCe, S.er.Sce. vekeoer) Keesues ieS nQ. veeces efueKeer
peevesJeeueer veF& heefJeeqeeW kes efueS efJeeceeve yesefmeke KeeleeW hej jeske ueieeF& ieF& nw Deewj
yekeeee veeces heefJeeqeeW kees meceeeesefpele kejves kes efueS kesJeue pecee heefJeeqeeW keer
Devegceefle oer ieF& nw.
ie) Yeejleere efj]peJe& yeQke Deve yeQkeeW kes meeLe Mes<e kee meceeeespeve efkeee ieee nw.
kegske ceeceueeW ceW keg heefJeeqeeW kes meceeeespeve kee keee& yeekeer nw.
Ie) Thej Jee|Cele (ke,Ke SJeb ie ceW ) kee KeeleeW hej he[vesJeeues heYeeJe cenlJehetCe& veneR
nw Deewj Gmekee meceeOeeve/meblegueve/meceeeespeve uebefyele jnves leke helee ueieevee mebYeJe
veneR nw.
18.2 ke. Yeejleere efj]peJe& yeQke kes mebMeesefOele efoMeeefveoxMeeW kes Devegmeej, KeeleeW ceW
ceeveke DeeeqmleeeW hej efvecve Devegmeej heeJeOeeve efkeS ieS nQ ~
i) ke=ef<e leLee ueIeg SJeb ceOece Gece #es$e kes hele#e DeefieceeW hej yekeeee $eCe kee 0.25%.
ii) JeeefCeeqpeke mLeeeer mebheoe (meerDeejF&) meskej leLee Ssmes ceeceueeW ceW peneb heefjeeueve
keer leejerKe ye{eF& ieF& nw, yekeeee jeefMe kee 1.00% .
iii) efjeeeleer ojeW hej DeeJeeme $eCe leLee ceeveke hegveie&efle DeefieceeW hej hegveie&ve keer
leejerKe mes oes Je<e& keer DeJeefOe kes efueS yekeeee $eCeeW kee 2.00%
iv) Deve meYeer DeefieceeW (DeLee&led Gheeg&e ke,Ke,ie kees es[kej) ceW yekeeee $eCe
kee 0.40%
Ke) Yeejleere efjpeJe& yeQke keer he$e meb. [eryeerDees[er. yeerheer.meb.
14898/21.04.048/2011-12 efoveebke 02 Dehewue 2012 kes DeeOeej hej DeefieceeW
CONTINGENT
LIABILITIES
AND
Devegmetefeeeb SCHEDULES
kes Gefele cetue ceW Dehesef#ele cetuedeme kes efueS heeJeOeeve kee heefjMeesOeve leLee Sej
Fbef[ee ieghe (Sej Fbef[ee kes ceeceues ceW) hegveie&efle DeeeqmleeeW ` 34.22 kejes[ kes efueS
Deefleefje heeJeOeeve keer DeeJeMekelee kes efueS efJee Je<e& 2012 -13 keer heLece efleceener
mes 8 efleceeefneeW kes oewjeve heeJeIeeve efkeee peeSiee.
18.3 MeeKee heyebOekeeW eje efoS ieS heceeCe he$eeW kes Devegmeej 449 iewj uesKee hejeref#ele
MeeKeeDeeW kes DeefieceeW kes JeieeakejCe kees heeJeOeeveeW meefnle meeqcceefuele efkeee ieee nw.
18.4 yeQke ves Fme Je<e& kes ueeYe ` 803.14 kejes[ (iele Je<e& 611.63 kejes[)
ceW mes ` 240.94 kejes[ (iele Je<e& ` 183.49 kejes[) keer jeefMe kees meebefJeefOeke
Deejef#eefleeeW ceW, SeerSce esCeer ceW jKes iees efJeefveOeevees keer efyeeer ces mes ` 1.59 kejes[
(iele Je<e& ` 2.28 kejes[) kees hetbpeer Deejef#eefleeeW ceW (meebefJeefOeke Deejef#eefleeeW ceW kej
Deewj DeblejCe kees Ieekej) Debleefjle efkeee nw.yeQke ves Deeekej DeefOeefveece 1961 keer
Oeeje 36 (i) (viii) kes DeOeerve me=efpele efJeMes<e Deejef#eefleeeW ceW ` 50 kejes[ (efheues Je<e&
22.00 kejes[) Debleefjle efkeS nQ. yeQke ves eeuet Je<e& nsleg hemleeefJele ueeYeebMe (ueeYeebMe
kej meefnle )` 122.05 kejes[ (iele Je<e& ` 85.53 kejes[) kes heeele ` 388.56
kejes[ (iele Je<e& ` 318.33 kejes[) kees Yeer jepemJe Deejef#eefleeeW ceW Debleefjle efkeee
nw.
18.5 ` 9.86 kejes[ (iele Je<e& ` 9.86 kejes[)kes oeJeeW kes heefleHeue ceW DeefOeie=nerle
iewj yeQeEkeie Deeeqmleeeb (Yetefce) hebpeerkejCe nsleg ueeqcyele nQ ~
18.6 Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej hekeve Fme hekeej
nw
ke. hetbpeer
a. Capital:
efJeJejCe Particulars
yesmeue - II Basel II
yesmeue - II Basel II
As on 31.03.2012
meer Deej S Deej - erej II hetbpeer (%) CRAR- Tier II capital (%)
Yeejle mejkeej keer MesejOeeefjlee kee heefleMele.
iii.
erej II hetbpeer kes he ceW pegeF& ieF& ieewCe $eCe keer jeefMe (` kejes[ ceW)
Amount of subordinated debt raised as Tier II Capital (` in crore)
veJeesvcesMeer mLeeeer $eCe efueKele keer jeefMe - erej I hetbpeer kes he ceW pegeF& ieF& jeefMe (` kejes[ ceW)
Amount of Innovative Perpetual Debt Instruments - Tier I raised (` In crore)
yeQke ves efoveebke 29.03.2012 kees Yeejleere peerJeve yeercee efveiece kees DeefOeceeveer
DeeOeej hej ` 10/- kes 1,66,69,453 F&keJeser Mesej, heefle Mesej ` 80.73 kes
heerefceece hej peejer efkeS nQ. Fmekes keejCe, 31 ceee& 2012 kees Yeejle mejkeej keer
Mesej Oeeefjlee Iekej 55.24 heefleMele jn ieF& nw.
@
11.51
13.41
8.86
9.77
2.65
3.64
55.24% @
58.01%
efJee Je<e&
efJeJejCe Particulars
As on 31.03.2011
efJee Je<e&
F Y 2011-12
F Y 2010-11
0.00
0.00
0.00
0.00
0.00
0.00
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
Ke .efJeefveOeeve b. Investments:
i.
31.03.2012
31.03.2011
18490.12
15698.75
4553.71
2598.96
163.97
562.51
23207.80
18860.22
180.15
91.31
23027.65
18768.91
yeQke ves Yeejle mes yeenj keesF& efJeefveOeeve veneR efkeee nw. Bank does not have any investment outside India.
ii.
Less: Depreciation adjusted by reducing book value of Investment under AFS/ HFT category shifted
to HTM
2011-12
2010-11
91.31
65.91
104.23
47.61
195.54
113.52
0.00
0.00
15.39
22.21
180.15
91.31
ke. eue efveefOe - meceeeespeve megefJeOee (SueSSHe) a. Liquidity Adjustment Facility (LAF)
Particulars
Minimum
outstanding
during the year
Maximum
outstanding
during the year
Daily average
outstanding
during the year
Balance as on
31.03. 12
100.00
0.00
1500.00
0.00
147.59
0.00
1500.00
0.00
100.00
0.00
1000.00
0.00
33.42
0.00
0.00
0.00
ii. kee@heexjs
Devegmetefeeeb SCHEDULES
Ke. Deve - Metve b. Others NIL
iv. iewj meebefJeefOeke eueefveefOe Devegheele efveJesMe mebefJeYeeie Non SLR Investment Portfolio:
ke. iewj meebefJeefOeke eueefveefOe Devegheele efveJesMeeW keer peejerkelee& mebjevee. a. Issuer Composition of Non SLR Investment:
ece peejer kelee&
meb Issuer
Sl.
No.
1
2
3
4
5
308.50
Extent of
Extent of below
private investment grade
placement
securities
184.19
0.00
Extent of
unrated
securities
0.00
Extent of
unlisted
securities
0.00
18.02
1891.32
1833.01
0.00
0.00
793.60
120.16
0.00
0.00
0.00
611.71
535.96
0.00
88.25
88.25
48.32
48.32
0.00
46.92
46.92
49.64
49.64
0.00
0.00
0.00
3703.09
2771.28
0.00
135.17
153.19
Deve Others
Ghe pees[ Sub Total
Ieeeb cetueeme nsleg efkeee ieee heeJeOeeve
99.08
3604.01
pees[ Total
Ke. iewj efve<heeoke iewj -SmeSueDeej efJeefveOeeve b. Non-performing Non-SLR Investments:
kes efueS ` 32.45 kejes[ (efheues Je<e& ` 28.28 kejes[) kee uesKeebkeve veerefle 17.3 kes
Devegmeej heefjMeesOeve efkeee nw . Ge jkece kees ueeYe SJeb neefve Keeles ceW heYeeefjle efkeee
ieee nw leLee mebyebefOele heefleYetefleeeW kes cetue kees Gme meercee leke kece kej efoee ieee nw.
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kes Devegmeej yeQke ves Je<e& kes oewjeve
heefleYetefleeeW keer esefCeeeW ceW Hesjyeoue efkeee nw. heefleYetefleeeW kees efyeeer kes efueS
GheueyOe esCeer mes heefjhekeJelee leke Oeeefjle esCeer ceW heefjJele&ve kes keejCe ` 15.39
kejes[ (efheues Je<e& 22.21 kejes[) leke keer jeefMe kes Ssmes DeblejCe hejJeleea DeJe#eeCe
kees Fve heefleYetefleeeW kes Debefkele cetue ceW keceer kejles ngS ueeYe SJeb neefve Keeles ceW heYeeefjle
efkeee ieee nw.
vi.
vii. yeQke ves Gmekes eje heeeesefpele oes #es$eere ieeceerCe yeQkeeW ceW `48.32 kejes[ (efheues
Je<e& ` 21.72 kejes[) kee efveJesMe efkeee nw. efpemeceW mes ` 46.92 kejes[ (efheues Je<e&
kejes[) kee efveJesMe #es$eere ieeceerCe yeQkeeW kes hegvehetpeerkejCe nsleg Mesej hetbpeer
peceejeefMeeeW kes he ceW nQ .efveJesMe kees Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej
ueeiele hej cetueebefkele efkeee ieee nw.
` 20.32
jeefMe Amount
56.29
0.00
2.64
53.65
53.65
v.
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
JeglheVe
ke) Jeeeoe oj kejej / yeepe oj mJewhe
yeQke ves Je<e& kes oewjeve Jeeeoe oj kejej / yeepe oj mJewhe uesve osve veneR efkeS nQ. Dele
Deueie mes keesF& efJeJejCe veneR efoS ieS nQ.
Ke. efJeefvecee Jeeheeefjle yeepe hej JeglheVe
yeQke ves Je<e& kes oewjeve efJeefvecee Jeeheeefjle yeepe oj JeglheVe uesveosve veneR efkeS nQ. Dele
Deueie mes keesF& efJeJejCe veneR efoS ieS nQ.
ie. JeglheVe ceW peesefKece meercee kee hekeve
i. iegCeelceke hekeve
yeQke keer jepekees<e veerefle leLee JeglheVe veerefle ceW efJeeere JeglheVe efueKele kes hekeej,
Gvekes Gheeesie keer mebYeeJevee, Gmekes Devegceesove keer heefeee leLee Kegueer eqmLeefle meercee,
Jeeheej Deekeej keer meercee, neefve jeskeves keer meercee leLee heeflehe#e kee $eCe pewmeer
meerceeDeeW leLee Devegceesefole efueKeleeW ceW Jeeheej kes efueS heleeeesefpele DeefOekeej efoS
ieS nQ.
yeQke kees meeKe peesefKece, yeepeej peesefKece, osMe peesefKece leLee heefjeeueve peesefKece
nes mekelee nw. yeQke keer efveosMeke ceb[ue eje Devegceesefole peesefKece heyebOeve veerefleeeb nQ
peesefke Jeeheej yeefneeW ceW efveeefcele he ceW nesvesJeeues uesveosveeW kes efueS efJeeere peesefKece
ceeheves nsleg leweej keer ieF& nQ. peesefKece heyebOeve efJeYeeie ceeheke GhekejCe pewmes Sce.er.
Sce, Jeer.S.Deej, Geuelee leLee mebMeesefOele DeJeefOe kes ceeOece mes owefveke DeeOeej hej
uesveosveeW kes efueS efJeeere peesefKece keer ceehe kejlee nw. efjhees& Meer<e& heyebOeve kees hemlegle
keer peeleer nw peesefke peesefKece keer cee$ee kes yeejs ceW S.Sue.meer.Dees kees DeJeiele kejeles
nQ. Yeejleere efjpeJe& yeQke , Hes[eF& leLee SHe.DeeF&.Sce.Sce.[er.S eje mecee mecee hej
peejer efoMeeefveosMeeW kee heeueve efkeee peelee nw.
Jele&ceeve ceW yeQke mJeeefcelJe Jeeheej kes efueS cege Jeeeos ceW JeglheVe uesve osve kej jne nw.
ii. heefjceeCeelceke hekeve Quantitative Disclosure:
18.7
18.7 Derivatives:
a. Forward Rate Agreement/ Interest Rate Swap
The Bank has not undertaken Forward Rate Agreement/Interest
Rate Swap transaction during the year. Therefore, no separate
disclosure is given.
b. Exchange Traded Interest Rate Derivatives:
The Bank has not undertaken Exchange Traded Interest Rate
Derivatives transaction during the year. Therefore, no separate
disclosure is given.
c. Disclosures on risk exposure in derivatives:
i. Qualitative disclosure
The Treasury Policy & Derivative Policy of the Bank lays down the
type of financial derivates instruments, scope of usages, approval
process as also the limits like the open position limits, deal size
limits, stop loss limits and counter party exposure limits besides
delegated power for trading in the approved instruments.
Bank is exposed to credit risk, market risk, country risk and
operational risk. Bank has risk management policies approved by
the Board of Directors which is designed to measure the financial
risks for transactions in the trading book on a regular basis. The
Risk Management Department measures the financial risk for
transactions on a daily basis through measurement tools such
as MTM, VaR, Convexity and Modified Durations. The reports are
submitted to the Top Management which appraises the risk profile
to the ALCO. The guidelines issued by RBI, FEDAI & FIMMDA from
time to time are followed.
At present Bank is undertaking derivate transactions in Currency
Futures for proprietary trading.
(i)
JeglheVe (keequhele cetue jkece) cege Jeeeos Derivatives (Notional Principal Amount) Currency Futures
neefve mes yeeeJe kes efueS For hedging
b) Jeeheej kes efueS For trading
yeepeej eqmLeefle kee yener ceW Debkeve [1] Marked to Market Positions [1]
DeejbefYeke eqmLeefle - Metve Open Position - NIL
a) Deeeqmle Asset (+)
b) oselee Liability (-)
$eCe peesefKece Credit Exposure [2]
yeepe oj ceW Ske heefleMele kes heefjJele&ve keer mebYeeJevee (100* heer.Jeer01)
a) efJeeere
(ii)
(iii)
(iv)
a) efJeeere
(v)
a) efJeeere
Currency
Derivatives
Interest rate
derivatives
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
0.00* & Metve
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Metve NIL
Devegmetefeeeb SCHEDULES
18.8
efJeJejCe Particulars
i. efveJeue DeefieceeW keer leguevee ceW efveJeue iewj efve<heeoke Deeeqmleeeb (%) Net NPA to Net Advances (%)
ii. mekeue iewj efve<heeoke DeeeqmleeeW ceW Ie-ye{ Movement of NPAs (Gross)
DeLe Mes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Additions during the year
Je<e& kes oewjeve keceer Reductions during the year
Fefle Mes<e Closing Balance
iii. efveJeue iewj efve<heeoke DeeeqmleeeW ceW Ie-ye{ Movement of Net NPAs
DeLe Mes<e Opening Balance
Je<e& kes oewjeve heefjJeOe&ve Additions during the year
Je<e& kes oewjeve keceer Reductions during the year
Fefle Mes<e Closing Balance
iv.iewj efve<heeoke DeeeqmleeeW kes efueS heeJeOeeve ceW Ie-ye{ Movement of Provision for NPAs
2011-12
2010-11
1.01%
1.22%
842.24
641.99
722.19
758.69
607.93
558.44
956.50
842.24
548.95
427.53
375.65
359.55
352.87
238.13
571.73
548.95
290.16
205.18
262.13
281.25
IeeSb: Je<e& kes oewjeve Deefleefje heeJeOeeveeW kees yes [euevee/hegvejebkeve kejvee
169.84
196.27
382.45
290.16
# FmeceW
SHe.DeeF&.er.Sue (Sve.heer.S ) kes heeJeOeeve kes efueS ` 4.09 kejes[ (efheues Je<e& ` 5.65 kejes[) Yeer Meeefceue nQ .
# includes ` 4.09 crore [previous year ` 5.65 crore] towards Provision of FITL (NPA).
Standard advances
restructured
DeJeceeveke DeefieceeW
kee hegveie&ve Sub-
Standard advances
restructured
Doubtful advances
restructured
efJeJejCe
Particulars
SME debt
Restructuring
13
257
2592
689.35
96.99
2544.33
44.11
0.66
* 37.12
92
462
5.39
10.61
0.03
0.11
142
533
25.89
8.85
29.40
0.06
0.36
491
3587
111.23
2584.34
0.75
37.59
16
GOeejkelee&DeeW keer mebKee No. of borrowers
715.24
yekeeee jeefMe Amount outstanding
44.11
neefve (cetue ceW keceer) Sacrifice [diminution in the fair value]
* Ssej Fbef[ee kes meboYe& ceW vees veb. 18.2.b kee meboYe& ueW. *Refer Note No. 18.2.b in respect of Air India
kegue TOTAL
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
ie. Deeeqmle hegve&efvecee&Ce kes efueS heefleYeteflekejCe/hegve&efvecee&Ce kebheveer kees yeseer ieF& efJeeere DeeeqmleeeW kes efJeJejCe
c.
Details of Financial assets sold to Securitisation /Reconstruction Company for Asset Reconstruction:
i.
ii.
iii.
Item
2011-12
2010-11
8
0.00
6
0.00
14.13
28.70
Metve Nil
Metve Nil
14.13
28.70
iv.
Additional consideration realized in respect of accounts transferred in earlier years
v.
Ie. Kejeroer /yeseer ieF& iewj efve<heeoke efJeeere DeeeqmleeeW kee efJeJejCe
Kejeroer ieF& iewj efve<heeoke efJeeere DeeeqmleeeW kee efJeJejCe Details of non-performing financial assets purchased:
2010-11
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
efJeJejCe Particulars
Je<e& kes oewjeve Kejeros ieS KeeleeW keer mebKee
ii.
yeseer ieF& iewj-efve<heeoke efJeeere DeeeqmleeeW kee efJeJejCe Details of non-performing financial assets sold
efJeJejCe Particulars
yeses ieS KeeleeW keer mebKee No. of accounts sold
kegue yekeeee Aggregate outstanding
heehle kegue heefleHeue Aggregate consideration received
2010-11
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
Metve Nil
legueve he$e keer leejerKe kees heeJeOeeve keJejspe Devegheele 75.53% nw efpemekeer
ieCevee Yeejleere efjpeJe& yeQke kes heefjhe$e meb. RBI2009-10/240 DBOD.
No.BP.BC.64/21.4.048/2009-10 efoveebke 01.12.2009 kes Devegmeej keer
ieF& nw. heermeerDeej hej Yeejleere efjpeJe& yeQke kes heefjhe$e meb [eryeerDees[er.meb.yeerheer.
yeermeer.87/21.04.048/2010-11 Dehewue 21 , 2011 kes Devegmeej yeQke kees heefleeeere JeJemLee kes efueS Deefleefje heeJeOeeve ceW keesF& jkece Deueie kejves keer
DeeJeMekelee veneR nw.
18.9 ceeveke DeeeqmleeeW kes efueS heeJeOeeve Provision for Standard Assets:
efJeJejCe Particulars
Je<e& kes oewjeve ceeveke DeeeqmleeeW kes efueS efkeee ieee heeJeOeeve
2010-11
84.57
5.73
251.21
166.64
legueve he$e keer efleefLe kees ceeveke DeeeqmleeeW kes efueS heeJeOeeve kee Mes<e
Devegmetefeeeb SCHEDULES
18.10
efJeJejCe
Particulars
2011-12
2010-11
9.17%
8.21%
0.79%
0.87%
2.06%
2%
i.
ii.
iii.
iv.
1.08%
1.00%
v.
12.84
10.77
vi.
7.87
6.15
18.11
Deeeqmle SJeb oseleeDeeW keer efveeqele ceoeW keer heefjhekeJelee kee mJehe
Maturity pattern of certain items of assets and liabilities:
Particular
peceejeefMe
efove
Day
1
2 mes 7
efove
2 to
7days
8 mes 14
3 ceen mes
6 ceen mes
Over 3
Over 6
Months to 6 Months to 12
Months
Months
1 Je<e& mes
3 Je<e& mes
Over 1 Year
to 3 Years
Over 3 Year
to 5 Years
Total
pees[
111.65 1644.58
870.08
939.14
9503.08
5274.73
19373.09
34586.87
4037.27
826.31
77166.80
2.67 1801.01
1.10
10.13
214.44
259.20
1.40
435.00
0.00
1156.00
3880.95
Deposits
GOeej
Borrowings
Deefiece
879.50
508.28
553.28
691.52
1404.07
1755.85
2341.90
32662.15
7112.46
8783.54
56692.55
4.66
400.19
33.83
188.75
886.90
207.00
238.95
1797.27
4217.51
15052.59
23027.65
118.62
19.23
5.02
6.33
217.51
203.85
174.10
172.42
31.08
0.07
948.23
125.89
12.67
13.74
126.70
464.30
1333.13
17.53
0.00
0.00
0.08
2094.04
Advances
efJeefveOeeve
Investments
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
18.12
$eCe Exposures:
Deve Others
pees[
ii.
iii.
Total
JeeefCeefpeke YetmebHeoe [ SHe yeer+Sve SHe yeer] Commercial Real Estate [FB+NFB]
yebOeke mecee|Lele heefleYetefleeeW ceW efJeefveOeeve (SceyeerSme) Deewj Deve heefleYetefleke=le efveJesMe
2011-12
2010-11
2297.00
1936.56
1420.41
1082.90
3717.41
3019.46
550.15
323.70
0.00
0.00
0.00
0.00
1905.34
1821.81
6172.90
5164.97
Yetmebheoe #es$e kes kegue $eCe Total Exposure to Real Estate Sector
Ke. Hetbpeer yeepeej ceW efveJesMe
b. Exposure to Capital Market:
2011-12
2010-11
FeqkeJeer MesejeW/ heefjJele&veere yebOe he$eeW, heefjJele&veere ef[yeWejeW Deewj FeqkeJeer GvcegKe heejmheefjke efveefOeeeW keer etefveeW ceW
hele#e efJeefveOeeve efpemekeer cetue efveefOe keeheexjs $eCe ceW efveJesMe veneR keer ieF& nw.
80.60
94.63
FeqkeJeer MesejeW (DeeF&heerDees/F&SmeDeesheerSme meefnle) yeeb[eW Deewj ef[yeWejeW, FeqkeJeer GvcegKe heejmheefjke efveefOeeeW keer etefveeW
ceW efJeefveOeeve kes efueS JeefeeeW kees MesejeW hej ee efveye&vOe DeeOeej hej Deefiece.
0.00
0.00
Deve efkemeer heeespeve kes efueS Deefiece peneb MesejeW ee heefjJele&veere yeeb[eW ee heefjJele&veere ef[yeWejeW ee FeqkeJeer GvcegKe
heejmheefjke efveefOeeeW keer etefveeW kees heeLeefceke heefleYetefle kes he ceW efueee ieee nw.
0.53
1.39
MesejeW keer mebheee|eke heefleYetefle ee heefjJele&veere yeeb[eW ee heefjJele&veere ef[yeWejeW ee FeqkeJeer GvcegKe heejmheefjke efveefOeeeW keer
etefveeW eje heefleYetle meercee leke Deve efkemeer heeespeve kes efueS Deefiece DeLee&led peneb MesejeW/heefjJele&veere yeeb[eW/heefjJele&veere
ef[yeWejeW/FeqkeJeer GvcegKe heejmheefjke efveefOeeeW keer heeLeefceke heefleYetefle DeefieceeW kees hetjer megj#ee heoeve veneR kejleer nw.
0.00
0.00
Mesej oueeueeW kees heefleYetle leLee DeheefleYetle Deefiece SJeb Mesej oueeueeW leLee Mesej mebleguevekelee&DeeW keer Deesj mes peejer keer
ieF& ieejbefeeb.
9.00
81.00
Direct investment in equity shares, convertible bonds, convertible debentures and units of
equity-oriented mutual funds the corpus of which is not exclusively invested in corporate debt
2
Advances against shares or on clean basis to individuals for investment in equity shares
(including IPOs/ ESOPS), bonds and debentures, units of equity oriented mutual funds
3
Advances for any other purposes where shares or convertible bonds or convertible debentures
or units of equity oriented mutual funds are taken as primary security;
4
Advances for any other purposes to the extent secured by the collateral security of shares or
convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where
the primary security other than shares/convertible bonds/convertible debentures/units of equity
oriented mutual funds `does not fully cover the advances;
5
Devegmetefeeeb SCHEDULES
6
30.46
64.00
0.00
0.00
MesejeW kes heeLeefceke efveie&ce ee heefjJele&veere yeeb[eW ee heefjJele&veere ef[yeWejeW ee FeqkeJeer GvcegKe heejmheefjke efveefOeeeW keer
etefveeW kes mebyebOe ceW yeQkeeW eje keer ieF& neceeroejer heefleyelee.
0.00
0.00
0.00
0.00
23.11
15.22
143.70
256.24
mebmeeOeveeW kes heehle nesves keer heleeMee ceW veF& kebheefveeeW keer FeqkeJeer ceW heJele&ke kes DebMeoeve kees hetje kejves kes efueS MesejeW/
yeeb[eW/ef[yeWejeW keer heefleYetefleeeW hej ee Deve efveye&vOe DeeOeej hej kebheveer kees mJeerke=le $eCe.
Loans sanctioned to corporate against the security of shares / bonds/debentures or other
securities or on clean basis for meeting promoters contribution to the equity of new companies
in anticipation of raising resources;
Gece hetbpeer efveefOeeeW (hebpeerke=le Deewj iewj hebpeerke=le oesveeW) kees efoS ieS meYeer $eCeeW kees FeqkeJeer kes yejeyej mecePee peeSiee.
Deewj FmeefueS hetbpeer yeepeej $eCe meerceeDeeW (hele#e Deewj Dehele#e oesveeW) kes Devegheeueve kes efueS ieCevee keer peeSieer.
All exposures to Venture Capital Funds (both registered and unregistered) will be deemed to be
on par with equity and hence will be reckoned for compliance with the capital market exposure
ceilings (both direct and indirect)
ke. efJeosMeer cege uesve osveeW kes mebyebOe ceW, Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes
Devegmeej, peneb heleske osMe kes efueS heefjkeefuele efveefOe DeeOeeefjle peesefKece yeQke keer kegue
DeeeqmleeeW kes 1% mes DeefOeke nQ yeQke kees Gvekes efueS heeJeOeeve kejvee nw. efkemeer Yeer
osMe ceW yeQke kes efveJeue efveefOeke $eCe kegue DeeeqmleeeW kes 1 % mes DeefOeke veneR nw, keesF&
Yeer heeJeOeeve (efheues Je<e& Metve) veneR efkeee ieee nw.
Ke. yeQke eje Skeue GOeejkelee& meercee (Sme.peer.Sue), mecetn GOeejkelee& meercee (peer.
yeer.Sue) mes DeefOeke efoes iees $eCeeW kes mebyebOe ceW efJeJejCe
Je<e& 2011 -12 kes oewjeve, yeQke ves mecetn GOeejkelee& meercee / Skeue GOeejkelee& meercee
kes ceeceueeW ceW efJeJeskehetCe& $eCe meercee mes DeefOeke $eCe veneR efoee nw.
During the year 2011-12, the Bank has not exceeded prudential
credit exposure limit in respect of Group Borrower Limit / Single
Borrower Limit.
18.14
e.
efJeJejCe
No.
1.
31-03.2011
Particulars
9820.75
8252.40
66.71
372.06
215.00
1307.30
9754.04
7880.34
2b
Ssmeer mebheee|eke heefleYetefleeeW kee Devegceeefvele cetue (pewmes DeefOekeej, ueeFmeWme, heeefOekejCe Deeefo hej heYeej)
Estimated Value of Such Collateral Securities (such as charge over the rights, licenses,
authorization etc)
3
18.15
Je<e& kes oewjeve Yeejleere efjpeJe& yeQke ves yeQke hej keesF& pegcee&vee veneR ueieeee
Reserve Bank of India did not subject the Bank to any penalty during the year.
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
18.16
Je<e& kes oewjeve ueeYe SJeb neefve uesKes ceW veeces [eues ieS heeJeOeeveeW SJeb DeekeefmcekeleeDeeW kes efJeJejCe
18.16 Details of Provisions and Contingencies debited to the Profit and Loss Account during the year:
2011-12
2010-11
262.13
281.25
102.57
186.42
60.21
100.01
84.57
11.07
45.52
(-) 8.82
50.69
4.78
104.23
47.61
13.60
0.05
1.75
0.00
Deve
0.02
(-) 5.43
725.29
612.16
efJeJejCe Particulars
Provision for Non Performing Assets
(ii)
Deekeeqmceke oseleeSb
Contingent liabilities
(x)
Others
kegue Total
18.17
ke. yeQke ves Deeekej DeefOeefveece 1961 keer Oeeje 115 pesyeer kes Debleie&le eeuet Je<e& kes
efueS vetvelece Jewkeequheke kej (Sce.S.er) kes efueS ` 239.59 kejes[ kee heeJeOeeve
efkeee nw efpemeceW Deve DeeeqmleeeW ceW Meeefceue keer ieF& Sce.S.er keer `7.80 kejes[ heehe
jkece Yeer Meeefceue nw.
Ke. Je<e& kes oewjeve efJeefYeVe efveOee&jCeeW / DeheerueeW / mebMeesOeve DeeosMeeW kes DevegmejCe ceW
efheues Je<eeX kes efueS efkeS ieS Deeekej heeJeOeeve keer jkece ` 137.02 kejes[ (efheues
Je<e& ` 48.58 kejes[ Deefleefje heeJeOeeve efkeee ieee) keer jkece Jeeheme efueKeer ieF& Deewj
Gmes Je<e& kes efueS ueeYe SJeb neefve Keeles ceW pecee efkeee ieee.
ie. Je<e& kes oewjeve Deeekej kes efueS efkeS ieS heeJeOeeve keer jkece
Current Year
Previous Year
239.59
137.84
-137.02
48.58
102.57
186.42
Devegmetefeeeb SCHEDULES
18.18
heefjmej ceW Ske mebheefe ceW 1/3 DebMe (Sme.heer.yeer.er kee@uespe cegbyeF&) Yeer
Meeefceue nw pees efke meW^ue yeQke Dee@He Fbef[ee kes meeLe mebege mJeeefcelJe ceW nw, efJeJejCe
efvecve hekeej nw.
31.03.2012
31.03.2011
2.36
2.34
1.06
0.96
1.30
1.38
The property belonging to the Bank was revalued during the year
2005-06 and written down value of the revalued property as on
31.03.2012 is ` 14.15 crore. (Previous Year ` 14.38 crore).
19
ke)
Ke)
1158
ie)
1174
Ie)
a)
b)
c)
d)
ii)
yeQefkebie ueeskeHeeue eje Heeefjle efkeS ieS DeJee[& Awards passed by the Banking Ombudsmen :
ke)
Ke)
Je<e& kes oewjeve yeQefkebie ueeskeHeeue eje Heeefjle DeJee[eX keer mebKee
ie)
Ie)
Je<e& kes Devle ceW keeee&efvJele veneR efkeS ieS DeJee[eX keer mebKee
a)
b)
c)
d)
18.20 yeQke / mejkeejer ieejbefeeW eje megjef#ele DeefieceeW ( Devegmeteer-9 Hewje yeer (ii) ceW
oMee&S ieS nQ) ceW efJeefYeVe jepe mejkeejeW eje ieejberke=le ` 2186.87 kejes[(efheues
Je<e& ` 3696.67 kejes[) Meeefceue nQ.
18.21
ke. uesKeebkeve ceeveke - 5 - ``DeJeefOe kes efueS efveJeue ueeYe SJeb neefve, efheueer
DeJeefOe keer ceoW leLee uesKeebkeve veerefleeeW ceW heefjJele&ve''
hetJe& DeJeefOe keer keesF& cenlJehetCe& Deee/Jee mes mebyebefOele ceoW veneR keer efpevekee S.Sme 5
kes Debleie&le hekeve efkeee peevee nes.
ceo meb.17.6.yeer. ceW efkeS ieS GuuesKe kes Devegmeej uesKeebkeve veerefle ceW Deee keer keg
ceoW Jemetueer DeeOeej hej efveOee&efjle keer ieF& nw.
Je<e& kes oewjeve yeQke ves Deheveer efkemeer Yeer Deeue Deeeqmle kee hegvecet&ueebkeve veneR efkeee.
The Bank has not revalued any of its fixed assets during the year.
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
Ie. uesKeebkeve ceeveke 11 - efJeosMeer cege ojeW ceW heefjJele&ve kee heYeeJe
Je<e& kes efueS efJeefvecee Deblej mes ngF& efveJeue Deee ` 82.21 kejes[ (efheues Je<e& `
52.35 kejes[) ueeYe neefve uesKee ceW pecee keer ieF& nw.
efJeJejCe Particulars
(i)
cetue yeerceebefkeke Devegceeve Gheeesie ceW ueeS ieS nQ. Principal Actuarial Assumptions used
ef[mkeeGb oj Discount Rate
efveeespeve DeeeqmleeeW hej heefleHeue keer oj Rate of Return on Plan assets
Jesleve Je=ef Salary escalation
No
(ii)
(iii)
(iv)
2011
2010
2009
8.50%
8.50%
8.00%
8.00%
8.50%
8.50%
8.00%
8.00%
5.00%
4.00%
4.00%
5.00%
1667.63
860.53
794.90
751.54
135.26
64.93
61.34
60.00
23.51
228.04
8.88
17.20
[152.77]
[193.22]
[74.14]
[48.27]
21.66
707.35
69.55
14.43
1695.29
1667.63
860.53
794.90
1283.72
802.26
782.29
734.73
109.12
68.19
61.86
59.91
210.65
151.14
28.00
38.31
[152.77]
[193.22]
[74.14]
[48.27]
[7.17]
455.35
4.25
[2.39]
1443.55
1283.72
802.26
782.29
1695.29
1667.63
860.53
794.90
1443.55
1283.72
802.26
782.29
0.00
287.35
8.41
12.61
[251.74]
[96.56]
[49.86]
0.00
8.50%
8.50%
8.00%
8.00%
8.50%
8.50%
8.00%
8.00%
5.00%
4.00%
4.00%
5.00%
Je<e& kes Deble ceW oselee Liability at the end of the year
Je<e& kes Deble ceW efveeespeve DeeeqmleeeW kee Gefele cetue Fair value of Plan Assets at the end of the year
DeefveOee&efjle heefjJeleea oselee. Unrecognized Transition Liability
legueve he$e ceW efveOee&efjle jkece Amount Recognized in the Balance Sheet
B
(i)
cetue yeerceebefkeke Devegceeve Gheeesie ceW ueeS ieS nQ Principal Actuarial Assumptions used
ef[mkeeGb oj Discount Rate
efveeespeve DeeeqmleeeW hej heefleHeue keer oj Rate of Return on Plan assets
Jesleve Je=ef Salary escalation
Devegmetefeeeb SCHEDULES
(ii)
(iii)
(iv)
efJee Je<e& 2007- 08 kes efueS efJemle=le efJeJejCe GheueyOe veneR nQ. yeQke ves Gme Je<e& kes
oewjeve heWMeve Deewj ieseter kes efueS ` 9.06 kejes[ keer heefjJeleea oselee mJeerke=le keer nw.
leLee 31.03.2008 kees DemJeerke=le heefjJeleea oselee ` 36.26 kejes[ (heWMeve kes efueS
` 16.81 kejes[ leLee ieseter kes efueS 19.45 kejes[) Leer.
(iii) eeuet Je<e& kes efueS ieseter leLee heWMeve eespevee kes mebyebIe ceW ueeYe SJeb neefve
235.15
211.72
21.65
17.22
18.82
17.00
14.00
11.64
8.82
6.20
0.00
79.96
0.00
0.00
[46.49]
[40.12]
[17.40]
[14.75]
28.09
[13.35]
[22.80]
14.98
295.19
277.94
222.59
235.15
229.12
222.59
215.13
177.03
19.48
18.92
16.58
15.33
15.00
30.00
0.87
22.00
[46.49]
[40.12]
15.09 [2.27]
[17.40]
[14.75]
7.41
15.52
232.20
229.12 222.59
215.13
295.19
277.94
222.59
235.15
232.20
229.12
222.59
215.13
0.00
0.00
0.00
2.00
0.00
68.83
9.73
14.39
[62.99]
18.01
9.73
[5.43]
efJeJejCe Particulars
(i)
(ii)
222.59
e.meb
Sr no.
277.94
ieseger Gratuity
heWMeve Pension
4.86
4.21
4.86
4.21
0.00
0.00
63.97
283.14
15.99
70.78
47.98
212.36
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
(iii)
(iv)
Je<e& kes oewjeve efJeefYeVe oerIee&JeefOe kece&eejer ueeYe kes efueS efkeS ieS heeJeOeeveeW (efJeeceeve
kece&eeefjeeW kes ceeceues ceW efleere heWMeve efJekeuhe leLee ieseger meercee ceW Je=ef; Deewj
mesJeeefveJe=e kece&eeefjeeW kes ceeceues ceW hetjer oselee kes keejCe hegjeves Deewj veS heefjJeleea
oselee kes 1/5JeeR meefnle) kes efJeJejCe efvecveevegmeej nQ
19.48
109.12
15.09
[7.17]
34.57
101.95
14.00
23.51
21.65
135.26
[19.48]
[109.12]
4.79
[0.55]
20.85
74.99
13.00
28.83
54.81
152.92
efJeJejCe Particulars
heWMeve Pension
DeJekeeMe vekeoerkejCe Leave encashment
ieseter Gratuity
efmeuJej pegefyeueer Silver Jubilee
hegveJee&me Resettlement
DeJekeeMe ee$ee efjeeele Leave Travel Concession
yeerceejer DeJekeeMe Sick Leave
kegue TOTAL
Sr no.
2
3
4
5
6
7
i)
jeefMe
Amount
152.92
21.92
54.81
0.06
0.23
3.96
4.56
238.46
yeerceebefkeke cetueebkeve kes DeeOeej hej kece&eejer ueeYeeW DeLee&led heWMeve, ieseter,
DeJekeeMe vekeoerkejCe Deewj uesKeebkeve ceeveke SSme 15 kes Devegmeej kece&eeefjeeW
kes Deve ueeYeeW kes efueS heeJeOeeve efkeee ieee nw. Fmekes Deefleefje, Yeejleere meveoer
uesKeekeej mebmLeeve eje DeefOemetefele kece&eejer ueeYeeW hej uesKeebkeve ceeveke-15 kes
Devegheeueve kes efueS 31 ceee& 2007 kees heefjJeleea oseleeDeeW kes 1/5 nesves kes keejCe
`21.57 kejes[ (efheues Je<e&-21.57 kejes[) keer jeefMe kees Je<e& kes oewjeve ueeYe
SJeb neefve Keeles ceW heYeeefjle efkeee ieee nw. Deceeve heefjJeleea oseleeDeeW keer jeefMe Metve
(efheues Je<e& ` 21.57 kejes[ )nw.
ii. Yeejleere efjpeJe& yeQke kes heefjhe$e meb. [eryeerDees[er .meb. yeerheer.yeermeer.80/ 21.04.018/
2010-11 keer MeleeX kes Devegmeej mejkeejer #es$e kes yeQkeeW kes kece&eeefjeeW kes efueS heWMeve
efJekeuhe hegve osves leLee ieseger meercee ceW Je=ef - efJeJeskehetCe& efJeefveeeceke JeJenej efoveebke
09 HejJejer 2011 kes mebyebOe ceW yeQke ves 31.03.2011 kees ` 347.11 kejes[ keer
Demeceeeesefpele jeefMe ceW mes yeQke ves ` 86.77 kejes[ (` 433.88 kejes[ kee 1/5 Yeeie)
keer jkece heefjMeesefOele kej ueer nw. Deeies ues peeF& ieF& Mes<e jkece ` 260.34 kejes[
(heWMeve ` 212.36 kejes[ leLee ieseger ` 47.98 kejes[) nw.
Devegmetefeeeb SCHEDULES
e . uesKeebkeve ceeveke 17 - Keb[ efjheese\ie
f.
uesKeebkeve ceeveke -17 hej Yeejleere efjpeJe& yeQke kes mebMeesefOele efoMeeefveoxMeeW kes Devegmeej,
yeQke kes heefjeeueveeW kees heeLeefceke KeC[ efpemeceW jepekees<e keeHeexjs / mebhetCe&
yeQeEkeie, efjsue yeQeEkeie Meeefceue nw Deewj Deve yeQeEkeie heefjeeueve ceW efvecveevegmeej
Jeieeake=le efkeee ieee nw.
keejesyeej KeC[
Business Segment
efJeJejCe Particulars
Jele&ceeve Je<e&
Corporate/ wholesale
Banking
efjsue yeQeEkeie
Retail Banking
kegue Total
Current
year
Previous
year
efheues Je<e&
Jele&ceeve Je<e&
Current
year
Previous
year
efheues Je<e&
Jele&ceeve Je<e&
Current
year
Previous
year
efheues Je<e&
Jele&ceeve Je<e&
Current
year
Previous
year
efheues Je<e&
Jele&ceeve Je<e&
Current
year
Previous
year
1737.21
1313.65
4066.75
2765.16
1368.87
1337.43
203.47
151.13
7376.30
5567.37
28.59
-13.85
1002.76
798.53
326.24
466.14
187.94
127.86
1545.53
1378.68
579.36
480.09
heefjeeueveiele ueeYe
966.17
898.59
163.03
286.96
0.00
0.00
803.14
611.63
86355.87
70011.37
1032.05
827.05
87387.92
70838.42
82457.17
67070.04
4930.75
3768.38
87387.92
70838.42
jepemJe
Revenue
heefjCeece Result
efheues Je<e&
Unallocated Expenses
Operating Profit
DemeeOeejCe ueeYe/neefve
Extraordinary Profit/Loss
KeC[ Deeeqmleeeb
23369.57
45199.71
34790.18
13218.32
11325.39
476.17
526.23
Segment Assets
Unallocated Assets
kegue Deeeqmleeeb
Total Assets
KeC[ oseleeSb
27461.67
23369.57
41637.71
32028.08
12670.79
10957.28
687.00
715.11
Segment Liabilities
Unallocated Liabilities
kegue oseleeSb
Total Liabilities
yeQke kee keesF& ieewCe (Yeewieesefueke) KeC[ veneR nw. The Bank does not have any secondary (geographical) segment.
efhheCeer
Notes:
1)
KeC[ heefjCeece Deblej KeC[ ueeiele kes keejCe meceeeespeve kes heeele leweej efkees
iees nQ, efpevns yeQke eje efveOee&efjle keer peeves Jeeueer DevlejCe cetue JeJemLee kes
DeeOeej hej ceeve efueee ieee nw.
2)
keequhele Devlej Jeie& DeeeqmleeeW, oseleeDeeW Deewj jepemJe kees es[ efoee ieee nw.
3)
jepekees<e heefjeeueve ceW yeQke kes mebhetCe& jepekees<e efJeefveOeeve hees&Heesefueees kee
meceeJesMe nw.
4)
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
. uesKeebkeve ceeveke - 18. mebyebefOele he#e uesveosve g. Accounting Standard - 18 - Related Party Transactions
hecegKe heyevOeve keee|ceke Key Management Personnel
veece Name
heoveece Designation
ceo Item
eer [er.Sue.jeJeue
eer S.kes.oe
keee&heeueke efveosMeke
Shri D L Rawal
Mrs. Nupur Mitra
Shri A K Dutt
CMD
ED
DeJeefOe Period
01.04.2011 mes to
31.10.2011leke
jeefMe (` ceW)
Loan Amount
(in `)
16,76,800
5,96,450
01.11.2011 mes to
31.03.2012leke
01.04.2011 mes to
18,66,001
Amount
(in `)
Metve NIL
Metve NIL
Metve NIL
31.03.2012 leke
pe. uesKeebkeve ceeveke 20 - heefle Mesej Depe&ve h. Accounting Standard 20:- Earning per Share
heefle Mesej Depe&ve Earning Per Share
heefle Mesej Depe&ve cetue SJeb eefmele (`) EPS Basic & Diluted (`)
efveoxMeebke he ceW (` kejes[ ceW) ceeve ueeYe Je neefve uesKes kes Devegmeej efveJeue ueeYe
31.3.2012
31.3.2011
24.08
21.26
803.14
611.63
33,35,26,083
10/-
28,77,16,244
10/-
Net Profit as per Profit & Loss Account Considered as numerator ( ` in crore)
cetue Jeie& kes he ceW FeqkeJeer MesejeW keer Yeeefjle Deewmele mebKee
(`)
i. Accounting Standard
Statements(CFS)
Fme ceeveke kes DeLe& kes lenle yeQke keer keesF& meneeke kebheveer veneR nw, Dele en
uesKeebkeve ceeveke ueeiet veneR neslee nw.
The Bank is not having any subsidiaries, within the meaning of this
Standard, therefore, this Accounting Standard does not apply.
yeQke ves Yeejleere meveoer uesKeekeej mebmLeeve eje peejer efkeS ieS `Deee hej uesKeebkeve
ceeveke 22 keer Dehes#eeDeeW kee Devegheeueve efkeee nw, Deewj leovegmeej DeemLeefiele kej
DeeeqmleeeW SJeb oseleeDeeW keer heneeve keer ieF& nw.
ceee& 2012 kees ` 16.39 kejes[ (efheues Je<e& ` 76.60 kejes[) keer jkece keer
DeemLeefiele kej DeeeqmleeeW kes efveJeue Mes<e ceW efvecveefueefKele meceeefJe nw
31
21
Consolidated
Financial
2010-11
124.09
96.38
37.28
30.88
47.49
41.24
-213.54
-90.35
0.97
1.15
0.00
-4.71
18.69
2.31
14.98
76.90
-1.41
0.30
-1.41
0.30
16.39
76.60
Devegmetefeeeb SCHEDULES
%e. uesKeebkeve ceeveke 23 - mecesefkele efJeeere efJeJejefCeeeW ceW meneesieer
kebheefveeeW ceW efveJesMe kee uesKeebkeve -
legueve he$e keer efleefLe kees yeQke keer keesF& meneesieer kebheveer veneR nw
Je<e& kes oewjeve yeQke ves keesF& efeee keueehe yebo veneR efkeee.
. uesKeebkeve ceeveke 28 :Dehemeeceeve Deeeqmleeeb
heyebOeve keer jee ceW Gvekeer keesF& Dehemeeceeve Deeeqmleeeb veneR nQ.
[. uesKeebkeve ceeveke 29 - heeJeOeeve, Deekeeqmceke oseleeSb leLee Deekeeqmceke
Deeeqmleeeb
efJeJejCe Particulars
1 Dehewue 2011
ii ) Deekeeqmceke oseleeDeeW kes mebyebOe ceW leguevehe$e keer Devegmeteer-12 keer ceo mebKee (i)
mes (v) Deheves mJehe kes Devegmeej Jeieeake=le efJeefYeVe hekeej keer Deekeeqmceke oseleeDeeW
kees oMee&leer nQ. es jeefMeeeb keer ieF& cetue mebefJeoe DeLeJee oeJeeW mes mebyebefOele keeiepeeleeW
kes DeeOeej hej heekekeefuele keer ieF& nQ. Fve Deekeeqmceke oseleeDeeW kes keejCe yeefnie&ceve
mebyebefOele veeefeke heeefOekejCeeW eje cegkeoceeW kes efveheejs kes heefjCeece, mebefJeoeDeeW kes
efve<heeove, ieejber ueeiet nesves, meeKe he$eeW kes nmleeblejCe, oeJeeW kes efveheeve Deeefo hej
efveYe&j jnsiee.
18.22
eue heeJeOeeve
yeQke kes heeme keesF& eue heeJeOeeve veneR nw.
18.23 Deejef#eefleeeW mes DeenjCe
Je<e& kes oewjeve yeQke ves Deejef#eefleeeW mes keesF& jkece Deenefjle veneR keer nw.
18.24 yeQke eje peejer egkeewleer DeeeemeveeW (Sue.Dees.meer) kee hekeve
etbefke yeQke keer efJeosMe ceW keesF& meneeke kebheveer / MeeKee veneR nw , FmeefueS yeQke ves
efJeosMeer efveeeceke keer MeleeX kees hetje kejves kes efueS keesF& egkeewleer Deeeemeve he$e peejer
veneR efkeee nw.
18.25 yeQke yeercee keejesyeej
yeQke kees yeQke yeercee keejesyeej mes heS 3.45 kejes[ (efheues Je<e& ` 9.21 kejes[)
Meguke / keceerMeve kes he ceW heehle ngS.
18.26 yeQke ves efJeeere meceeJesMeve eespevee (SHe.DeeF&.heer) kes Debleie&le Je<e& 201112 kes oewjeve 2000 mes DeefOeke pevemebKeeJeeues 728 ieebJeeW kees Meeefceue kejves kee
ue#e efveOee&efjle efkeee nw. efoveebke 31.03.2012 leke meYeer 728 ieebJe Meeefceue efkeS
ieS efpemeceW mes 687 ieebJe keejesyeej heefleefveefOe (yeermeer) cee@[ue kes eje Deewj 41ieebJe
Yeewefleke MeeKee kes ceeOece mes Meeefceue efkeS ieS.
3.59
0.03
24.99
Jeeef<e&ke efjHees&
Devegmetefeeeb SCHEDULES
18.27
(` kejes[ ceW)
efJeJejCe Particulars
yeerme ye[s peceekelee&DeeW keer kegue peceeSb
(` in Crore)
2011-12
2010-11
10663.51
10091.72
13.82%
15.71%
yeQke keer kegue peceeDeeW ceW yeerme ye[er peceeDeeW kee heefleMele
efJeJejCe Particulars
yeerme ye[s DeefieceeW kes kegue Deefiece Total Advances of twenty largest Advances
yeQke kes kegue DeefieceeW ceW yeerme ye[s DeefieceeW kes DeefieceeW kee heefleMele
2011-12
2010-11
11128.35
10079.86
15.21%
16.95%
efJeJejCe Particulars
yeerme ye[s GOeejkelee&DeeW / ieenkeeW kes kegue $eCe
2011-12
2010-11
11465.82
10163.10
11.90%
12.97%
GOeekelee&DeeW / ieenkeeW kees yeQke kes kegue $eCeeW ceW yeerme ye[s GOeejlee&DeeW / ieenkeeW kes $eCeeW kee heefleMele
Percentage of Exposure to twenty largest borrowers/ customers to total Exposure of the Bank on
borrowers/ customers
18.30
efJeJejCe Particulars
Meer<e& eej Sve.heer.S KeeleeW kes kegue $eCe
(` kejes[ ceW)
(` in Crore)
2011-12
2010-11
122.02
198.28
efJeJejCe Particulars
2.72
mesJeeSb Services
Jeefeiele $eCe Personal Loans
18.32
efJeJejCe Particulars
mekeue Sve.heer.S(01 Dehewue 2011 kes Devegmeej DeLeMes<e)
5.41
5.01
0.91
0.77
Devegmetefeeeb SCHEDULES
(ii) Jemetueer (GVeeve efkeS ieS KeeleeW ceW keer ieF& Jemetueer kees es[kej)
Recoveries (excluding recoveries made from upgraded accounts)
222.56
193.90
607.93
956.50
efJeosMeer Deeeqmleeeb Sve.heer.S SJeb jepemJe Overseas Assets NPA & Revenue
efJeJejCe Particulars
kegue Deeeqmleeeb Total Assets
kegue Sve.heer.S Total NPAs
kegue jepemJe Total Revenue
18.34
18.35
yeQke ves 3 Je<e& keer DeJeefOe kes efueS efJeeere meceeJesMeve eespevee kes keeee&vJeeve
nsleg SeqhuekesMeve mesJee heoelee (S.Sme.heer) kes he ceW ces. ee kevmeuvmeer mee|Jemesme
keer mesJeeSb ueer nQ. yeQke ves efJeeere meceeJesMeve eespevee kes Debleie&le oeoje SJeb veiej nJesueer
([er.Sve.Se. kee mebIe Meeefmele #es$e) kes DeueeJee Yeejle Yej ceW Jeefeiele keejesyeej
heefleefveefOeeeW (yeer meer) kees efveege efkeee nw. yeQke ves heeweesefiekeer heoelee kes he ceW cesmeme&
S efueefue Jeu[& (ces.S.Sue.[yuet) keer mesJeeSb ueer nQ leLee oeoje SJeb veiej nJesueer keW
Meeefmele heosMe ceW cesmeme& peerjes ceeFees HeeFvesvme SC[ meseEJeime meheex HeeGb[sMeve (ces.
pes*.Sce.SHe ) keer mesJeeSb ueer nQ.
18.36
efheues Je<e& kes Deebke[eW kees eeuet Je<e& kes Deebke[eW kes meeLe legueveere yeveeves
kes efueS DeeJeMekeleevegmeej GvnW hegvemecetefnle / hegveJeieeake=le / hegveJeJeeqmLele efkeee
ieee nw.
Jeeef<e&ke efjHees&
Yeejle kes je^heefle keer mesJee ceW uesKee hejer#ekeeW keer efjhees REPORT OF THE AUDITORS TO THE PRESIDENT OF INDIA
1.
2.
nceves osvee yeQke kes 31 ceee&, 2012 kes mebueive legueve-he$e leLee Gmekes meeLe
mebueive Gmeer leejerKe kees meceehle DeJeefOe kes ueeYe-neefve uesKeeW kee uesKee-hejer#eCe
efkeee nw, efpemeceW nceejs eje uesKee hejeref#ele 20 MeeKeeSb leLee 21 #es$eere
keeee&ueeeW keer efJeJejefCeeeb Deewj Deve uesKee hejer#ekeeW eje uesKee hejeref#ele 777
MeeKeeDeeW keer efJeJejefCeeeb Yeer Meeefceue nQ. nceejs eje leLee Deve uesKee hejer#ekeeW
eje uesKee-hejeref#ele MeeKeeDeeW kee eeve Yeejleere efj]peJe& yeQke eje yeQke kees
efoS ieS efoMee efveoxMeeW kes Devegmeej efkeee ieee nw. legueve he$e Deewj ueeYe SJeb
neefve uesKee ceW Gve 449 MeeKeeDeeW keer efJeJejefCeeeb Yeer Meeefceue nQ efpevekeer uesKee
hejer#ee veneR ngF& nw. iewj uesKee hejeref#ele MeeKeeDeeW kes Deefiece kegue DeefieceeW kes
4.27%, peceejeefMeeeW kes 15.84 %, yeepeiele Deee kegue yeepeiele Deee kes
2.59% Deewj yeepeiele Jee kegue yeepeiele Jee kes 13.76% nesles nQ. nceves
legueve he$e kes meeLe Gmeer leejerKe kees meceehle Je<e& kes efueS vekeoer heJeen efJeJejCe
keer Yeer uesKee hejer#ee keer nw. Fve efJeeere efJeJejCeeW kes efueS yeQke heyebOeve efpeccesoej
nw. nceeje oeefelJe Deheveer uesKee hejer#ee kes DeeOeej hej Fve efJeeere efJeJejCeeW hej
Dehevee cele Jee kejvee nw.
3.
legueve-he$e Deewj ueeYe Je neefve uesKee yeQeEkeie efJeefveeceve DeefOeefveece, 1949 keer
leermejer Devegmeteer kes eceMe Hee@ce& ``ke'' Deewj ``Ke'' ceW leweej efkeS ieS nQ.
4.
Thej hewje 1 ceW efvee|o uesKeehejer#ee keer meerceeDeeW kes DeOeerve Deewj yeQeEkeie
kebheveer (GheeceeW kee Depe&ve Deewj DeblejCe) DeefOeefveece, 1970 eje Dehesef#ele
Deewj GmeceW eLee hekeve keer meerceeDeeW keer Dehes#ee kes DeOeerve nce efjhees& kejles
nQ efke :-
(i)
(ii) yeQke kes mebJeJenej, pees nceejer peevekeejer ceW DeeS nQ, yeQke kes DeefOekeej #es$e
(iii)
and the Cash Flow Statement annexed thereto for the year
ended on that date, in which are incorporated the returns of
20 branches and 21 Regional Offices audited by us and 777
branches audited by branch auditors. The branches audited
by us and those audited by other auditors have been selected
by the Bank in accordance with the guidelines issued by
the Reserve Bank of India. Also incorporated in the Balance
Sheet and the Profit & Loss Account are the returns from 449
branches which have not being subjected to audit. These
unaudited branches account for 4.27% of advances, 15.84 %
of deposits, 2.59 % of interest income and 13.76 % of interest
expenses. These financial statements are the responsibility of
the Banks Management. Our responsibility is to express our
opinion on these financial statements based on our audit.
2.
yeQke kes keeee&ueeeW Deewj MeeKeeDeeW mes heehle efJeJejefCeeeb nceejer uesKee hejer#ee
kes GsMe kes efueS heee&e heeS ieS.
3. The Balance Sheet and the Profit and Loss Account have
been drawn up in Forms A and B respectively of the Third
Schedule to the Banking Regulation Act, 1949.
4. Subject to the limitations of the audit indicated in paragraph 1
above, and as required by the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 and subject also to
the limitations of disclosure required therein, we report that:
nceejer meJeeXece peevekeejer SJeb efJeeeme kes Devegmeej nceejer uesKee hejer#ee kes
heeespeve nsleg nceves meYeer DeeJeMeke meteveeSb SJeb mheerkejCe heehle efkeS nQ
Deewj GvnW meblees<epeveke heeee nw.
ceW nQ.
as at 31st March, 2012, and also the Profit and Loss Account
5.
nceejer jee ceW. yeQke keer yeefneeW ceW oMee&S ieS Devegmeej Deewj nceejer meJeexece
metevee kes DeeOeej hej leLee nceW efoS ieS mheerkejCe kes Devegmeej :
(ke) cenlJehetCe& uesKee veerefleeeW Deewj Gve hej oer ieF& efhheefCeeeW kes meeLe heefle
legueve he$e Deheves DeeJeMeke yeewjeW kes meeLe hetCe& Deewj mener nQ leLee Fmes Ssmes
Gefele he mes leweej efkeee ieee nw efke Gmemes 31 ceee& 2012 kees yeQke kes
keee&keueeheeW kee mener Deewj mhe efe$e GheeqmLele nes mekes Deewj Yeejle ceW
meeceeve he ceW mJeerke=le uesKeebkeve veerefleeeW kes DevegmejCe ceW nw.
(Ke) cenlJehetCe& uesKee veerefleeeW Deewj Gvemes mebyebefOele efhheefCeeeW kes meeLe heefle
ueeYe neefve uesKee ueeYe kes JeemleefJeke DeefleMes<e kees oMee&lee nw pees Keeles kes
meceehle Je<e& kes efueS, Yeejle ceW meeceeve he ceW mJeerke=le uesKeebkeve veerefleeeW
kes Devegmeej nw; Deewj
(ie) vekeoer heJeen efJeJejCe Gme leejerKe kees meceehle Je<e& keer vekeoer heJeen keer
JeemleefJeke eqmLeefle oMee&lee nw.
5.
(b) the Profit and Loss Account, read with the Significant
Accounting Policies and the Notes thereon shows a true
balance of profit, in conformity with accounting principles
generally accepted in India, for the year ended covered
by the account; and
(c) the Cash Flow Statement gives the true and fair view of
the cash flows for the year ended on that date.
ke=les heer.kes.eeshe[e
SC[ keb
meveoer uesKeekeej
ke=les Sme.Sve.OeJeve
SC[ keb
meveoer uesKeekeej
For B K Khare
For S N Dhawan
For Avanish K
& Co.
& Co.
Co.
& Co.
Associates.
Chartered Accountants
Chartered Accountants
osJeoee ceeFvekej
YeteEheoj eEmen
kes.Sme.heesVegmJeeceer
megjsMe mes
DeefJeveeMe kes.jmleesieer
peehekeeMe ieghlee
Devdatta Mainkar
Bhupinder Singh
K S Ponnuswami
Suresh Seth
Avanish K Rastogi
Yeeieeroej Partner
Sce.veb M No 072506
Yeeieeroej Partner
Sce.veb M No 088903
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Sce veb. M No 109795 Sce veb. M No 092867 Sce veb. M No 070276 Sce.veb M No 010577
mLeeve Place: cegbyeF& Mumbai
efoveebke Date: 08.05.2012
Jeeef<e&ke efjHees&
31
ceee&, 2012 kees meceehle Je<e& kee vekeoer heJeen efJeJejCe CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2012
(000es[
As at 31.03.2011
`
`
eqmLej DeeeqmleeeW keer efyeeer mes ueeYe (+) neefve (-) Profit (-) / Loss
(3)
8,031,410
6,116,298
305,512
3,232
(3,831)
324,508
282,813
39,565
28,611
(5)
oerIee&JeefOe $eCeeW hej Deoe yeepe Interest paid on long term loans
heeJeOeeve Deewj DeekeeqmcekeleeSb (DeeF& / [yuet /[ererSue kees es[kej)
1,471,656
1,447,206
5,622,569
3,251,853
1,627,800
2,864,300
2,500
4,108
expenses
(6)
1,304
219,200
174,200
Actuarial valuation
(11)
(12)
45,600
37,800
600
(5,100)
39,600
(32,000)
2,300
(800)
(13)
(14)
service
(15)
(14,012)
0
9,741,099
17,772,509
keee&Meerue hetbpeer ceW heefjJele&veeW mes hetJe& heefjeeueve ueeYe Operating profit
8,355,976
14,472,274
capital changes :
(1)
efJeefveOeeveeW ceW (Je=ef)/keceer (Increase)/Decrease in Investments
(2)
DeefieceeW ceW (Je=ef)/keceer (Increase)/Decrease in Advances
(3)
(43,954,129)
(31,505,785)
(121,455,301)
(96,380,368)
(726,590)
(4,674,872)
129,571,781
128,653,431
21,892,883
1,297,442
3,639,672
(8,386,848)
Assets
(4)
(5)
Other
Liabilities
(11,031,684)
6,740,825
(10,997,000)
3,475,274
(3,714,217)
(3,382,432)
3,026,608
92,842
As on 31.03.2012
`
`
(266,000)
(514,036)
(429,665)
5,095
7,387
of fixed
(13,271)
676
(788,212)
(421,602)
2,238,396
(328,760)
Investment activities
Heefjeeueve Deewj efJeefveOeeve ieefleefJeefOeeeW mes vekeoer eJeen Cash flow from
operating and Investing activities
Yeeie III - efJeeere ieefleefJeefOeeeW mes vekeoer
financing activities
Cashflow from
166,695
465,659
1,345,725
4,924,341
(855,274)
(671,138)
(1,471,656)
(1,447,206)
loan
(814,510)
3,271,656
1,423,886
2,942,896
Financing activities
vethegj efce$ee
DeOe#e SJeb heyebOe efveosMeke
54,088,105
51,145,209
55,511,991
54,088,105
1,423,886
S.kes.oe
keee&heeueke efveosMeke
Nupur Mitra
Chairperson & Mg.Director
A K Dutt
Executive Director
2,942,896
Sme.kes.pewve
ceneheyebOeke
S K Jain
General Manager
ke=les heer.kes.eeshe[e
SC[ keb
meveoer uesKeekeej
ke=les Sme.Sve.OeJeve
SC[ keb
meveoer uesKeekeej
For B K Khare
For S N Dhawan
For Avanish K
& Co.
& Co.
Co.
& Co.
Associates.
Chartered Accountants
Chartered Accountants
osJeoee ceeFvekej
Devdatta Mainkar
YeteEheoj eEmen
Bhupinder Singh
kes.Sme.heesVegmJeeceer
K S Ponnuswami
megjsMe mes
Suresh Seth
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Yeeieeroej Partner
Sce veb. M No 109795 Sce veb. M No 092867 Sce veb. M No 070276 Sce.veb M No 010577
mLeeve Place: cegbyeF& Mumbai
efoveebke Date: 08.05.2012
DeefJeveeMe kes.jmleesieer
peehekeeMe ieghlee
Avanish K Rastogi
Yeeieeroej Partner
Sce.veb M No 072506
Yeeieeroej Partner
Sce.veb M No 088903
Jeeef<e&ke efjHees&
nmlee#ej*:
*DeefveJeee& metevee
efhheCeer
1. eefo Deehekes heeme yeQke kes Mesej [erces (Fueske^eefveke) he ceW nQ lees yeQke Gheeg&e omleeJespe Deehekees Fueske^eefveke he ceW, Deehekes ef[heesefpejer ([er.heer.) menYeeieer eje nceW
GheueyOe kejeS peevesJeeues F& cesue heles hej Yespesiee.
2. MesejOeejkeeW mes DevegjesOe nw efke eefo Gvekes heeme Mesej Yeewefleke he ceW nQ lees yeQke kees metefele kejW. eefo Mesej ef[ces (Fueske^e@efveke) he ceW nw lees Gvekes [er.heer. kees metefele
kejs. Gvekes F& cesue DeeF&[er ceW heefjJele&ve kes yeejs ceW Yeer DeHeves [er.Heer. kees metefele kejW.
Registration of E-mail ID with the Bank
(For shareholders holding shares in physical form)
I hereby request Dena Bank to register my following E-mail address for service of Notice of General Meetings, Audited Financial Statements,
Directors Report, Auditors Report and other documents to me /us in electronic mode in stead of physical mode :Folio No.*
Full Name of First/ Sole Shareholder*
Email ID (to be registered for the above purpose)* :
Mobile / Phone No.
Date*:
Signature*:
*Mandatory fields
Note:
1.
In case you are holding shares of the Bank in demat (electronic) form, the Bank proposes to send the aforesaid documents to you in
electronic form, at the email address provided by you and which will be maid available to us by your Depository Participant (DP).
2.
Shareholders are requested to inform the Bank (if shares are held in physical form) or their DP (if shares held in demat (electronic form)),
as the case may be, if there is any change in their Email ID.
heOeeve keeee&uee osvee kee@heexjs meWj, meer-10, peer yuee@ke, yeebe keguee& kee@chueskeme, yeebe (hetJe&), cegbyeF& - 400 051
cegKleejer(hee@kemeer) Heece&
(Mesej Oeejke eje Yeje Je nmlee#ej efkeee peevee nw)
jefpe.Heesefueees veb :
(eefo yeskeeiepeerke=le veneR nw)
[erheer DeeF&[er veb.:
ieenke DeeF& [er veb.
(eefo yeskeeiepeerke=le nQ)
ceQ / nce
jepe kes
efpeues ceW eqmLele
kee / kes efveJeemeer osvee yeQke kee / kes MesejOeejke / MesejOeejkeeW kes he ceW Sleoeje
efpeues
kee / kes efveJeemeer
ceW eqmLele
kees DeLeJee Gmekeer DevegheeqmLeefle ceW
jepe
eer/eerceleer
efpeues ceW eqmLele
kee /
kes
kees osvee yeQke keer MeefveJeej, 30
kes efveJeemeer eer / eerceleer
petve, 2012 kees eele 11.00 yepes meYeeie=n, mej meesjeyepeer heeseKeeveeJeeuee yeQkeme& ^seEveie kee@uespe, pes.Jeer.heer.[er. mkeerce, kethej ne@efmHeue kes heeme, efJeuesheeuex (heeqece),
cegbyeF& - 400 056 ceW Deeeesefpele nesves Jeeueer MesejOeejkeeW keer meesuenJeeR DemeeOeejCe meeceeve meYee Deewj Gmekes efkemeer mLeieve kes Ghejevle Deeeesefpele meYee ceW cesjs / nceejs efueS leLee
cesjer / nceejer Deesj mes celeoeve kejves kes efueS Dehevee cegKleejer efveege kejlee ntb / kejles nQ.
Fme
2012
kes
ke=heee
.1/- kee
jepemJe
efke ueieeSb
cegKleejer (hee@kemeer) Heece& hej nmlee#ej kejves Deewj hemlegefle kejves nsleg DevegosMe
1. cegKleejer efueKele leYeer JewOe nesiee peye
(ke) Jeefeiele MesejOeejke kes ceeceues ceW Jen Gmekes eje ee Gmekes / Gmekeer Deveea eje efueefKele he ceW efJeefOeJeled nmlee#eefjle efkeee nes.
(Ke) mebege OeejkeeW kes ceeceues ceW Jen meomelee jefpemj ceW heLece veeefcele eje DeLeJee efueefKele he ceW efJeefOeJeled heeefOeke=le Gmekes / Gmekeer Deveea eje nmlee#eefjle nes.
(ie) efkemeer kebheveer efvekeee kes ceeceues ceW Jen Gmekes DeefOekeejer eje DeLeJee efueefKele he ceW efJeefOeJeled heeefOeke=le De&veer eje nmlee#eefjle nes.
2. Ssmes cegKleejer efueKele, efpevehej MesejOeejkeeW kes nmlee#ejeW keer ehe nw, leYeer JewOe neWies peye Jes efkemeer veeeeOeerMe, ceefpem^s, SMetjWme kes jefpem^ej ee Ghe - jefpem^ej ee
efkemeer mejkeejer jepeheef$ele DeefOekeejer ee osvee yeQke kes DeefOekeejer eje meleeefhele nes.
3. cegKleejer kes meeLe
(ke) cegKleejveecee ee Deve heeefOekeej (eefo keesF& nw) efpemekes lenle Gme hej nmlee#ej efkeS ieS neW,
(Ke) veesjer heeqyueke DeLeJee ceefpem^s eje meleeefhele cegKleejveecee DeLeJee Deve heeefOekeej keer Ske heefle meesuenJeeR DemeeOeejCe meeceeve yewke keer leejerKe mes eej efove
henues DeLee&led 25 petve, 2012 kees keee& mecee kes oewjeve ee Gmemes henues osvee yeQke, efveJesMeke mebheke& keW, osvee kee@heexjs meWj, meer-10, peer-yuee@ke, yeebe - keguee&
kee@chueskeme, yeebe (hetJe&), cegbyeF& - 400 051 ceW pecee keer peeveer eeefnS.
4. keesF& Yeer cegKleejer efueKele leye leke JewOe veneR nesieer peye leke Jen efJeefOeJeled meeqchele Deewj Heece& (yeer) kes efJeefveeceve ceW ve nes.
5. yeQke ceW pecee keer ieF& cegKleejer efueKele Debeflece leLee DeheeflemebnjCeere nesieer.
6. oes Devegoeve - ieeefneeW kes he#e ceW Jewkeequheke he mes heoe cegKleejer efueKele kes ceeceues ceW Ske mes DeefOeke Heece& kee efve<heeove veneR nesiee.
7. efpeme MesejOeejke ves cegKleejer efueKele efve<heeefole keer nw Jen DemeeOeejCe meeceeve yewke ceW Jeefeiele he mes celeoeve kejves kee nkeoej veneR nesiee efpememes Jen efueKele mebyebefOele
nes.
8. osvee yeQke kes efkemeer kece&eejer ee DeefOekeejer kees efJeefOeJeled heefleefveefOe ee cegKleejer kes he ceW efveege veneR efkeee peeSiee.
Jeeef<e&ke efjHees&
Head Office: Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai-400 051.
Regd.Folio No.
(If not dematerialised)
DPID No.
FORM B
PROXY FORM
(to be filled in and signed by the Shareholder)
Client ID No.
(If dematerialised)
I/We
resident/s
of
in the district
of
in the state of
being a shareholder/shareholder (s)
of DENA BANK, Mumbai hereby appoint Shri/Smt.
resident of
in the district of
in the state of
or failing him /her, Shri/Smt.
resident of
in the district of
in the state of
as my/our proxy to vote
for me/us and on my/our behalf at the Sixteenth Annual General Meeting of the shareholders of DENA BANK to be held on Saturday 30th
June, 2012 at 11.00 A.M. at Auditorium, Sir Sorabji Pochkhanawala Bankers Training College, J.V.P.D Scheme, Near Cooper Hospital, Vile
Parle (West), Mumbai-400 056, and at any adjournment thereof.
Signed this
day of
Please
AffixRe.1
Revenue
Stamp
2012.
ADDRESS:
(a) in the case of an individual shareholder, it is signed by him/her attorney duly authorised in writing,
(b) in the case of joint holders, it is signed by the shareholder first named in the Register or his/her attorney duly authorised in writing,
(c) in the case of a body corporate signed by its officer or an attorney duly authorized in writing.
2.
An instrument of Proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his/her name, if his/her
mark is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurances or other Government Gazetted
Officer or an Officer of Dena Bank.
3.
(a) the power of attorney or other authority (if any) under which it is signed, or
(b) a copy of the power of attorney or authority, certified by a Notary Public or a Magistrate, should be deposited with the Company
Secretary, Dena Bank, Investor Relations Centre, Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East),
Mumbai- 400 051 Not later than FOUR DAYS before the date of the Sixteenth Annual General Meeting i.e. on or before the close of
office hours on 25h June, 2012.
4.
In case the relevant power of attorney is already registered with Dena Bank or its Share Transfer Agents, the registration number of the
power of attorney and the date of registration may be mentioned.
5.
6.
An instrument of Proxy deposited with the Bank shall be irrevocable and final.
7.
In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
8.
The shareholder, who has executed an instrument of proxy, shall not be entitled to vote in person at the Annual General Meeting to which
such instrument relates.
9.
No person shall be appointed as duly authorised representative or a proxy who is an officer or an employee of Dena Bank.
heOeeve keeee&ue osvee kee@heexjs meWj, meer-10, peer yuee@ke, yeebe keguee& kee@chueskeme, yeebe (hetJe&), cegbyeF& - 400 051
Head Office: Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai- 400 051
meesuenJeeR Jeeef<e&ke meeceeve meYee 2012 kes efueS GheeqmLele heeea
ATTENDANCE SLIP FOR SIXTEENTH ANNUAL GENERAL MEETING 2012
(meYee mLeue hej hemlegle keer peeveer nw)
ceQ heceeefCele kejlee ntb / kejleer ntb efke ceQ osvee yeQke kee hebpeerke=le MesejOeejke (OeejkeeW) kes efueS hebpeerke=le MesejOeejke / hee@kemeer / heefleefveefOe ntb.
I certify that I am a registered shareholder/proxy/representative for the registered shareholder(s) of DENA BANK.
ceQ Sleodeje MeefveJeej, 30 petve, 2012 kees eele 11.00 yepes mej meesjeyepeer heeseKeeveeJeeuee yeQkeme& ^seEveie kee@uespe, pes.Jeer.heer.[er. mkeerce, kethej neefmheue kes heeme, efJeuesheeuex
(heeqece), cegbyeF& - 400 056 ceW osvee yeQke kes MesejOeejkeeW keer meesuenJeeR meeceeve meYee ceW Deheveer GheeqmLeefle ope& kejlee / kejleer ntb.
I hereby record my presence at the Sixteenth Annual General Meeting of the shareholders of Dena Bank at Auditorium, Sir Sorabji
Pochkhanawala Bankers Training College, J.V.P.D Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai-400 056 on Saturday 30th
June, 2012 at 11.00 A.M.
jefpe.Heesefueees veb :
(eefo yeskeeiepeerke=le veneR nw)
heOeeve keeee&ue osvee kee@heexjs meWj, meer-10, peer yuee@ke, yeebe keguee& kee@chueskeme, yeebe (hetJe&), cegbyeF& - 400 051
Head Office: Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai- 400 051
meesuenJeeRr Jeeef<e&ke meeceeve meYee 2012 kes efueS heJesMe he$e
ENTRY PASS FOR SIXTEENTH ANNUAL GENERAL MEETING 2012
(meYee ceW hetjs Jee meeLe jKee peeS)/(to be retained throughout the meeting)
MesejOeejke kee veece Deewj helee
jefpe.Heesefueees veb :
(eefo yeskeeiepeerke=le veneR nw)
Regd. Folio No.
(if not dematerilised)
yeQke eje peejer Sce.DeeF&.meer.Deej. eske hej efueKes iees yeQke Deewj MeeKee keer 9 Debke keer kees[ mebKee
(ke=heee eske keer Heeseskee@heer ee j efkeee ngDee eske mebueive kejW.)
Iees<eCee
ceQ / nce Sleodeje Iees<eCee kejlee ntB / kejles nQ efke Ghej efoes iees efJeJejCe mener Deewj hetCe& nQ. eefo DehetCe& Deewj ieuele metevee kes keejCe uesve-osve ceW efJeuebye neslee nw ee uesve-osve veneR
neslee nw lees Gmekes efueS ceQ osvee yeQke kees efpeccesoej veneR njeGbiee. ceQ mecePelee ntB efke yeQke kes efveeb$eCe mes yeenj keesF& DeheleeefMele Ievee nesves hej, efpememes F&.meer.Sme. kes ceeOece
mes ueeYeebMe kee Yegieleeve ve nes mekes, cegPes ose ueeYeebMe kees Yeewefleke ueeYeebMe Jee@jb kes ceeOece mes Yespeves kee Yeer yeQke kes heeme DeefOekeej Deejef#ele nw. Ghej efoes iees Keeles kes efJeJejCe
Yegieleeve efueKele ceW Meeefceue efkees peeSb.
YeJeoere,
mLeeveefoveebke
(heLece/Skeue MesejOeejke kes nmlee#ej)
efhheCeer
efpeve MesejOeejkeeW kes yeQke kes F&eqkeJeer Mesej [erces he ceW nQ Jes ueeYeebMe Jeejb heehle kejWies / FmeerSme kes ceeOece mes ueeYeebMe keer jkece Gvekes Keeles ceW pecee keer peeSieer ee DeveLee
Gvekes mebyebefOele ef[heesefpejer kes heeme Gvekes yeQke Keeles kes efJeJejCe Deewj heles kes Devegmeej pecee keer peeSieer.
Jeeef<e&ke efjHees&
(Mobile)
Bank Name
Branch Name & City Address
Telephone No.
Account No.
Account Type
Saving(
) / Current(
) / Cash Credit(
) / Overdraft (
Nine Digit Code Number of the Bank and Branch as appearing on MICR cheque issued by the bank
Yours faithfully,
Place:
Date:
Note:
Those shareholders who hold equity shares of the Bank in Demat form shall receive the dividend warrant / get credit of dividend amount
through ECS or otherwise, as per bank account detail and address with their respective depositories.
mcejCeere Heue
MEMORABLE MOMENTS
ieebJe [gbiejemeve, lee.efmenesjer, efpeuee yeveemekeebe ceW efoveebke 31.03.2012 kees efJeeere meceeJesMeve
kes Debleie&le Yeejleere efj]peJe& yeQke kes pevemebheke& keee&ece ceW GheeqmLele ueesieeW kees mebyeesefOele kejleer
ngF& eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke, osvee yeQke. cebe hej <eceeve nQ - yeeeW
mes oeeW - [e@.kes.meer.eeJeleea, Ghe ieJeve&j, Yeejleere efj]peJe& yeQke, eer megoMe&ve mesve, #es$eere
efveosMeke, Yeejleere efj]peJe& yeQke, Denceoeyeeo, eer kes.ebet[ve, yeQeEkeie ueeskeheeue leLee eer
efJeeceYeeF& iebYeerjpeer ekeesj, mejhebe, [gbiejemeve ieebJe.
Smt. Nupur Mitra, CMD, Dena Bank addressing the gathering at RBIs
Outreach Program for Financial Inclusion held at village Dungarasan, Tal.
Sihori, Dist. Banaskantha on 31.03.2012. Seen on the dias R-L Dr. K.C.
Chakrabarty, Dy. Governor RBI, Shri Sudarshan Sen, Regional Director, RBI,
Ahmedabad; Shri K. Chandrachoodan, Banking Ombudsman, Ahmedabad
and Shri Vikrambhai Gambhirji Thakore, Sarpanch, Dungarasan village.
mejkeejer DeeeemeveeW hej mebmeoere meefceefle ves efoveebke 21.01.2012 kees Denceoeyeeo kee oewje
efkeee. eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke, eer Heejerceesnve cenehee$e, DeOe#e,
mebmeoere meefceefle kee mJeeiele kejles ngS.
Parliamentary Committee on Government Assurances visited Ahmedabad on
21.01.2012. Smt Nupur Mitra, CMD, welcoming Shri Pyarimohan Mohapatra,
Chairman of the Committee.
meeyejkeebe efpeues ceW ke=ef<e Deewj heeLeefcekelee #es$e kes DeefieceeW ceW efpeues ceW meyemes DeefOeke efJee hees<eCe
kejves kes efueS efpeuee heMeemeve keer Deesj mes heMeeqmle he$e ceeveveere cegKeceb$eer eer vejW ceesoer mes
heehle kejles ngS Kes[yecne MeeKee kes Jeefj heyebOeke eer pes.Jeer.ieeefcele.
Shri Narendra Modi, Honble Chief Minister of Gujarat handing over a letter
of appreciation to Shri J.V. Gamit, Senior Manager, Dena Bank, Khedbrahma
Branch for mobilizing maximum finance under Agriculture and Priority Sector
in Sabarkantha district.
cesnmeeCee #es$e kes Debleie&le heeuevehegj MeeKee kes Sme.Sce.F&. Keelee Oeejke ``peesleW FbjvesMeveue''
kees JeeefCepe SJeb efJee ceb$eeuee, Yeejle mejkeej eje heeeesefpele `MesHesefkemeue' mes Je<e& 2008-09
SJeb 2009-10 kes efueS ``Glke=< efveee&leke'' kee hegjmkeej heehle ngDee nw. efe$e ceW ceeveveere efJee
ceb$eer eer heCeye cegKepeea hegjmkeej osles ngS Meceeve nQ.
Shri Pranab Mukherjee, Honble Union Finance Minister, giving the award
for Outstanding Exporter from SHEFEXIL, sponsored by Commerce &
Finance Ministry, Government of India, for the year 2008-09 & 2009-10 to
Jotendra International having an account in Dena Banks Palanpur Branch
in Mehsana.
mcejCeere Heue
MEMORABLE MOMENTS
Yegpe #es$eere keeee&uee eje efoveebke 14.12.2011 kees Deeeesepf ele Sve.Deej.DeeF&. ieenke
meccesueve ceW eerceleer vethegj efce$ee ieenkeeW kees mebyeeseOf ele kejleer ngF.& efe$e ceW Gvekes meeLe Meceeve
nQ eer Sme.Sve. hesue, ceneheyebOeke, iegpejele SJeb eer Oevebpee kegceej, #es$eere heyebOeke, Yegpe.
eer [er.Sue.jeJeue, hetJe& DeOe#e SJeb heyebOe efveosMeke keer mesJeeefveJe=efe hej osvee yeQke kes
meHe meome, Jeefj heyebOeve SJeb efveosMeke ceb[ue eje Deeeesefpele efJeoeF& meceejesn ceW
eer jeJeue kees ceeuee henveekej mecceeefvele kejles ngS eer S.kes.oe, keee&Heeueke efveosMeke.
Smt. Nupur Mitra, addressing the customers at the NRI Customer meet
conducted at Banks Bhuj Regional Office on 14.12.2011. Also seen
alongside are Shri S.N. Patel, GM, Gujarat & Shri Dhananjay Kumar,
Regional Manager, Bhuj.
osvee yeQke efekes erce Yeejleere efj]peJe& yeQke mheesdme& keueye eje Deeeesefpele, Deblej yeQke efekes tvee&ceW ``mej yesvesieue jeceejeJe ^eHeer'' kee efJepeslee yevee. osvee yeQke ves efoveebke 20.04.2012 kees
cegbyeF& ceW Deeeesefpele HeeFveue ceW yeQke Dee@He ceneje^ kees njeee. efe$e ceW eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke SJeb eer S.kes.oe, keee&heeueke efveosMeke Deewj eer Sme.kes.Mecee&, ceneheyebOeke
efJepeslee erce Deewj osvee yeQke mheesdme& keb^esue yees[& kes DeefOekeeefjeeW kes meeLe.
Dena Bank Cricket Team won the Sir Benegal Ramarau Trophy for the Inter Bank Cricket Tournament conducted by RBI Sports Club. Dena Bank defeated
Bank of Maharashtra in the final played in Mumbai on 20.04.2012. Seen in the picture Smt. Nupur Mitra, CMD, Shri A.K. Dutt, ED and Shri S.K. Sharma, GM
with the members of the winning team and the officials of Dena Bank Sports Control Board.
eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke ves 12.02.2012 kees yeQke kes DeefKeue
Yeejleere keemee DeefYeeeve kee MegYeejbYe efkeee. Fme peve DeefYeeeve ceW yeQke kes meYeer mlejeW
kes DeefOekeeefjeeW SJeb kece&eeefjeeW ves Yeeie efueee. efe$e ceW yeQke kes meHe meomeeW kes meeLe
eerceleer vethegj efce$ee, DeOe#e SJeb heyebOe efveosMeke, eer Sme kes pewve, ceneheyebOeke, eer Sce
kes Mecee&, ceneheyebOeke SJeb eer Sce kes pewve, ceneheyebOeke Meceeve nQ.
Smt. Nupur Mitra, CMD flagged off a Pan India Mass CASA campaign
on 12.02.2012, where entire staff of the Bank irrespective of the cadre
participated in the Road Show. Seen in the picture Smt. Nupur Mitra,
CMD, Shri S.K. Jain, GM, Shri M.K. Sharma, GM and Shri M.K. Jain,
GM with other staff members of the Bank.
eer S kes oe, keee&heeueke efveosMeke ves 12.02.2012 kees iegpejele ceW DeefKeue Yeejleere
keemee DeefYeeeve kee MegYeejbYe efkeee. efe$e ceW eer S kes oe, keee&heeueke efveosMeke, eer
megjsMe Sve hesue, ceneheyebOeke, iegpejele, eer jesefnle hesue, #es$eere heyebOeke, Denceoeyeeo
leLee yeQke kes Deve meHe meome Meceeve nQ.
Shri A.K. Dutt, ED, flagged off a similar Pan India Mass CASA
Campaign in Gujarat on 12.02.2012. Seen in the Picture, Shri A.K. Dutt,
ED along with Shri Suresh N. Patel, GM, Gujarat, Shri Rohit Patel, RM,
Ahmedabad and other staff members of the Bank.
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