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BCC: BR: 105/399 14 September 2013 Issued by Corporate Accounts & Taxation Department, Baroda Corporate Centre,

BCC: BR: 105/399

14 th September 2013

Issued by Corporate Accounts & Taxation Department, Baroda Corporate Centre, Bandra (E), Mumbai 400 051.

 

SUB FILE GEN - 1

 

CIRCULAR LETTER TO ALL BRANCHES, REGIONAL OFFICES, ZONAL OFFICES IN INDIA, INTERNATIONAL DIVISION, SPECIALISED INTEGRATED TREASURY BRANCH, ALL CFS BRANCHES, BARODA CORPORATE CENTRE, MUMBAI/ HEAD OFFICE, BARODA / CIAD, BARODA.

Dear Sir,

Re: Financial Results for the quarter/half year ending on 30 th September 2013.

The Bank is required to publish Financial Results for every calendar quarter duly reviewed by Bank’s Statutory Central Auditors. As usual, this has to be done in a time bound manner with submission of information/ returns/clarifications/ communications from Branches to Region/ Zonal Offices and Zonal Offices to Corporate Accounts Department, BCC, Mumbai as specified in the circular.

The Half year ending 30 th September 2013 is fast approaching and we, at all levels will have to gear up for the preparation of closing activities for ensuing quarter.

  • I. Important Guidelines:-

A. Closing Returns / Instructions:

(1) We have already issued Master Circular No.BCC/BR/105/100 dated 11/03/2013 on Closing Activities for the current year and advised branches that in quarterly closing, we will be touching upon only important points/changes. The above circular should be kept handy for guidance and reference during this quarterly closing.

(2) New GL/PL codes allotted during the quarter are given as per Annexure V.

(3) Entry for HO Interest (for IBTA Products) will be passed by data centre. Branches are required to pass entry for claiming permissible subsidies as per HO interest circular issued from time to time.

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

For claiming subsidy, entry as under will be passed: Cr. PL HO Interest earned (subsidies) Account

For claiming subsidy, entry as under will be passed:

Cr. PL HO Interest earned (subsidies) Account

Code no.42801001

Dr. GL HO Interest Receivable Account

Code no.26691001

Please pass the subsidy entry , if any, using the above account code only.

(4) There is no change in Significant Accounting Policies of the bank during the current financial year 2013-14. Branches should continue to follow existing Accounting Policies as advised during March 2013 closing and disclosed in our Annual Report for the year 2012-13.

(5) As per extant guidelines branches are required to pass entry for MOC at the time of finalising/ signing the MOC. However, Branches should ensure that, MOC effect of 30.06.2013 has already been given at their end before 30.09.2013.

(6) Restructuring of Advances Accounts:-

Detailed guidelines regarding reporting of restructured advances have been furnished as per Annexure-VII attached to this circular. Branches are required to follow the guidelines scrupulously.

(7)

Closing Return No.6A & 6B – Gross Block & Depreciation:-

Branches should note that while preparing Closing Return No.6A & 6B, opening balance to be incorporated as at 01.04.2013 in 6A & 6B will be as per audited Closing Return of 31.03.2013 (Pre-MOC).

(8) Capital Adequacy Return no.13 Basel I.

Capital Adequacy Return Basel I is also generated through ASCROM. Branches are advised to generate the Return from ASCROM by invoking the following menu:

Base IlRisk Weight Asset Section A Base IlRisk Weight Asset Section B

Return no.13 generated through ASCROM should be cross checked with Ret. No.1 for total of Advances and total of off balance sheet items for accuracy, discrepancy if any should be rectified before forwarding the same to RO/ZO.

The detailed guidelines for generation of ASCROM reports are being issued by Ascrom department separately.

(9)

New Capital Adequacy framework (Basel II guidelines):-

Branches are requested to refer to Master Closing Circular for March 2013, containing guidelines for inputting the data in ASCROM system. After finalising

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

the Basel-II data and ensuring it is error-free, following statement is to be
the Basel-II
data and ensuring
it
is
error-free, following statement is to be

generated and got audited from Auditors of the Branch.

Master Summary of Risk weighted Assets: - This report is available in Basel –II Module, and will be audited at identified branches along with ASCROM returns and is to be forwarded to controlling office, i.e. branches to Regions, Regions to Zones. Zones should forward one copy to Risk Management Department, BCC, Mumbai.

Further The Ministry & Urban Poverty Alleviation, Government of India, has set up CRGFTLIH (Credit Risk Guarantees Fund Trust for Low Income Housing) vide their notification no. O-17034/122/2009-Hdated 21 st June,2012.The Reserve bank of India in their circular no. DBOD.NO.BO.BC-90/21.04.048/2012-13 dated April 16 th ,2013 has prescribed the risk weighting and provisioning norms for the loans guaranteed by CRGFTLIH as under:

Calculation of Risk weight: The Risk weight for the guaranteed portion would be zero and the balance outstanding in excess of the guaranteed portion would attract a risk weight as appropriate to the counter party. Branches are hence requested to give appropriate treatment in ASCROM for accounts guaranteed by CRGFTLIH similar to the treatment given to accounts guaranteed by CGTMSE,ECGC etc.(Please refer to circular no. BCC:BR:105:169 dated 29 th April 2013 issued by Retail Banking)

(10) Rating Information In ASCROM: Latest External rating information is to be invariably updated in the ASCROM system. Branches should note that the external ratings assigned by the RBI approved agencies are valid for -15- months from the date of issuance.

Branches should ensure that the external ratings assigned to various facilities/ issues of the borrower/issuer are to be entered at the account level only and not in menu meant for borrower/issuer rating. (Cir no.BCC:BR:104/433 dated 05.12.12)

(11) Interest Relief receivable for providing short term credit to farmers for Kharif & Rabi:

Please ensure that guidelines issued by Agriculture & Rural Banking Department, BCC, Mumbai from time to time are followed scrupulously by the branches.

(12) Export Subvention Claim in respect of Rupee-Export Credit:-

Please ensure that guidelines issued by our Wholesale Banking Department (DFB), BCC, Mumbai from time to time in this regard are followed scrupulously.

(13) Analysis of some Important Financial Data:-

We are required to submit trend analysis and reasons for major variances, while presenting the financial results to ACB/Board. In view of this, the zones are

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

requested to submit “Variance Analysis Sheet” as per Annexure VI and advise their comments on major

requested to submit “Variance Analysis Sheet” as per Annexure VI and advise their comments on major variances, if any, by 05.10.2013 to Corporate Accounts Department, BCC. Mumbai.

(14) At Regional / Zonal level, it must be ensured that the data of all the branches have been taken while consolidating the Closing Returns, as in past, it has been experienced that data of some branches were left to consolidate which reflected weak control mechanism.

(15) Provision for expenses:-

It has been observed that in quarterly closing, branches are not working out the provision for expenses incurred but not paid with due accuracy, resulting in the figure of certain PL heads not reflecting the correct position and the figures become incomparable while doing the quarter to quarter analysis. Branches are therefore advised to ensure that provision has been made against all the expenses incurred but not paid as on 30.09.2013.

(16) Proxy accounts: At present entries in proxy account relating to charges (Min Bal/Led folio/ Clearing return/ECS return /Dormant account charges) outstanding beyond 60 days are reversed periodically by Data Centre and lien is marked in

the account. On the last day of closing all the branches are required to ensure that balance in proxy account is only for charges outstanding for less than 2 months. All other entries outstanding in this account should be reversed and transferred to correct account.

As per latest guidelines, branches are not required to make any provision for amount outstanding in proxy account. Provision will now be made at corporate level.

(17) Trading Position accounts:

Outstanding in Trading Accounts if any, must be zeroised in consultation with Data Centre as per guidelines advised vide circular no.BCC:BR:99/14 dated 15.01.2007. In spite of various communications some branches are yet to correct the trading account entries. Please ensure correction on or before 20-09-2013.

(18) Sundry Liabilities Account ( Interest Capitalisation)

CLORET Code 4795 (Finacle code 15181250) is used for creation of liability to the extent of FITL, the entry for creation of liability will be passed by data centre. Branches are not required to pass any entry for the same.

(19) Ghosh & Jilani Committee recommendations:

The statement of compliance in respect of Ghosh Committee recommendations and Jilani committee recommendations have to be reported half yearly. Therefore,

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

all the branches & administrative offices are required to submit the information in the prescribed format

all the branches & administrative offices are required to submit the information in the prescribed format as at 30th September 2013.

Regions and Zones are advised to ensure the correctness of information. They are further advised that the number of branches and administrative offices reported in returns should exactly tally with the position as on 30th Sept 2013.

(20) Service Tax:

As per Finance Bill 2012, there have been some important amendments in the Service Tax guidelines. The scope of payment of service tax under reverse charge mechanism has been enhanced substantially. In Reverse Charge Mechanism service tax is to be paid by the recipients of the service to the Government as against normal method, where the Service Tax is paid by the Service Provider to Government. The Master Circular BCC:BR:104/296 dt.17.08.2012 has been issued, giving details of the revised/amended guidelines. The revised guidelines have been issued vide our following circulars:

1. BCC:BR:105/2013-14/147 dt.08.04.2013 on Service Tax on Services from Government, Commission earned in Foreign currency on Guarantees/LCs.

2. BCC:BR:105/2013-14/248 dt.19.06.2013 – Change in Accounting Procedure of payment of SERVICE TAX and Excise Duty/Countervailing Duty on purchase of Computer Hardware and Software and ATMs.

3. BCC:BR:2013-14/105/315 dt.29.07.2013 – Revised Accounting Guidelines of Service Tax (Accounting 50% of Service Tax to the Profit & Loss A/c in the Books of Branches/Administrative Offices).

All Branches/Offices are requested to be guided by the above Circulars and ensure strict compliance and correctness of data fed into the SERPAY Menu and the accounting entries posted in Finacle System.

(21) Branches are aware that sensitive accounts are being transferred every year on 30 th September only. Guidelines in this regard have already been issued.

(22) Others:

All Branches are requested to ensure:

A. All recoveries

in

bad

debts written off

including prudential write off

are

reported in P/L code -3266 (Finacle Code- 42701013).If it is not reported correctly earlier, the same may be corrected before quarterly closing.

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

B. The amount of bad debts written off pertaining to advances only should be debited to
  • B. The amount of bad debts written off pertaining to advances only should be debited to P/L code 1720 Finacle Code- 54531014) and records of which be maintained.

  • C. The Balance in outstanding PWO accounts be tallied and should match with the G/L code 5007(Finacle Code- 63001001)

  • D. All interest Income on NPA should be passed through P/L code 5250(Finacle Code- 41401012).if it is done through other code the same may be corrected immediately.

  • B. Important Accounting /Closing Guidelines: Vide our Master Closing Circular BCC/BR/105/100 dated 11/03/2013, the detailed guidelines were issued for monitoring of certain accounts. It has been observed that guidelines have not been followed by some branches. Therefore, we once again request to ensure that all the accounts mentioned therein have been monitored by the branches.

  • C. Compliance to the Observations made by Statutory Central Auditors.

    • I) Vide our Closing circulars issued from time to time we have mentioned the observations made by our SCAs along with suggested actions thereon. Some of the observations given by Auditors are as under:

Fraud Loan accounts are not marked as fraud in ASCROM (Code 87).

External Rating is not updated in ASCROM

Restructured accounts are not updated in ASCROM.

Advance account which are NPA in ASCROM are not marked NPA in Finacle & vice versa.

Regular updation of drawing power in finacle

Please ensure that above observations are taken care by all the Branches.

II)

Limited Review by the Statutory Central Auditors / Concurrent Auditors:

Branches must be aware that with effect from 30 th June 2003, Reserve Bank of India has introduced Limited Review of Accounts of Public Sector Banks to be carried out by Bank’s Statutory Central Auditors. Scope of such limited review has already been

apprised to you from time to time. detailed audit.

As such it has a limited scope and will not be a

To cover the required quantum of advances and NPA for limited review as per Reserve Bank of India guidelines, it has been decided that top 20 branches of the Bank will be reviewed by Statutory Central Auditors of the Bank and 230 other identified Branches will be reviewed by the Concurrent Auditors of the branches.

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

We are enclosing the list of these top 20 branches and other 230 identified Branches (

We are enclosing the list of these top 20 branches and other 230 identified Branches (Annexure II and III). Regional / Zonal Offices are requested to follow up / coordinate with these identified branches which are falling under their jurisdiction and Statutory Central Auditors / concurrent Auditors of the said Branches for completion of limited review in time.

III)

List of returns to be submitted:

 
  • a) Reviewed by Statutory Central Auditors / Concurrent Auditors:

1.

Balance sheet (Return No. 1)- as on 30.09.2013

2.

Profit & Loss Account (Return No. 2) – For the Half year ended 30.09.2013.

3.

Closing Return No.3–IBC/OBC, net of inter branch bills with country wise break up.

4.

Closing Return No. 4 & 4A – Claims against the Bank not acknowledged as debt.

5.

Closing Return No. 6A, 6B- Gross Block of Fixed Assets & Depreciation

6.

Closing Return No. 7 –Statement of outstanding balances and doubtful amounts in accounts other than Advances/Suspense.

7.

Closing Return No. 8-Break-up of Suspense Account

8.

Closing Return no.11 Bad Debts written off (Half year ended.30.09.2013)

9.

Closing Return No. 13-Statement of Capital Adequacy Basel-I

10.

Master Summary – Advances viz., Closing Return No. 19 and 20 (ASCROM generated) along with summary of Risk Weighted Assets.

11.

Two copies of Review report (in original) as per Annexure - IV along-with Return No. 14 and 14 D (MOC).

  • b) Unreviewed:

Certificate on Jilani & Ghosh Committee recommendations

It may be noted that concurrent auditors of large branches, which are subject to limited review by Statutory Central Auditors, are not required to carry out limited review of such branches.

IV)

Limited Review by Statutory Central Auditors:

The Statutory Central Auditors will visit top 20 branches as per list attached herewith – Annexure – II for Limited Review for the Half Year ended 30.09.2013 on similar lines as is being done on quarterly basis w.e.f. June 2003:

The names of Statutory Central Auditors of these top 20 Branches are given in annexure-II. If there is any change in the name of SCA, the same will be advised separately. Branches are advised to contact these SCAs well in time and extend full support for timely completion of review exercise. These branches are requested to note as under:

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

1) All closing returns, including advances returns should be kept ready on 1 October 2013 itself.

1) All closing returns,

including advances returns should be kept ready on 1 st

October 2013 itself. The Executive-in-Charge should ensure that all advance

preparations are made, to adhere to the time schedule.

2) To send the (un reviewed) Closing Returns to Regional Offices / Zonal Offices on 1 st October 2013 itself duly filled in, without omission on any count. .

  • V) MAILING INSTRUCTIONS: (For Branches)

The branches are requested to mail the following immediately to their Regional Offices after the close of the quarter.

1)

One set of Return No. 1 and 2 (G/L and P/L) to be mailed by 01.10.2013 detailed scrutiny.

after

2)

Returns No. 3; 4; 6A; 6B; 7; 8; 11 13 and certificate on Ghosh Committee & Jilani committee to be mailed latest by 03.10.2013.

3) Advances returns including Master Summary of Advances (Return No. 19) and (Return No. 20) as per advice of ‘ASCROM Cell’, Baroda Corporate Centre, Mumbai.

4) Two copies of Review Report along-with MOC 14 and 14D immediately on completion of Limited Review.

VI)

CONSOLIDATION AT REGIONAL / ZONAL LEVEL.

1)

At Regional Office Level:-

 
  • a) Regional Offices are requested to ensure collection of returns / reports as mentioned above under IV (Certification of Returns by the Concurrent Auditors) from the identified branches, under their jurisdiction, duly certified by concurrent auditors / Statutory Central Auditors as listed in Annexure II & III immediately after Closing and to ensure to submit all these reviewed Returns / reviewed Reports latest by 05.10.2013 to Zonal Office.

  • b) The data

required as per

Annexure I (a);

I

(b);

I

(c);

I

(d) must be

consolidated on priority basis and faxed/e-mailed to Zonal Office immediately, in any case not later than the prescribed time schedule. The Regional Office should make suitable advance preparation for collection of data from branches.

  • c) Hard copy as well as soft copy of all closing Returns along-with Regional Office’s Returns, Limited Review Reports and MOC 14 & 14D be sent to Zonal Office as per time schedule.

2)

At Zonal Office Level: -

 

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

a) The Zonal Office should consolidate (i) Annexure 1(a) to 1(d) from all the Regions and
  • a) The Zonal Office should consolidate (i) Annexure 1(a) to 1(d) from all the Regions and all Administrative Offices, RTC, ZIC, Staff College, Regional Training Centre, CFS Branches etc. under their jurisdiction and submit to Corporate Accounts Department, BCC, Mumbai. The Zonal Office should make suitable advance preparation for collection of data from all concerned.

  • b) Important Closing figures duly consolidated as per Annexure – 1(a) should be conveyed to us over Fax No. 022 26526890 or by email on our e-mail address accounts.ho@bankofbaroda.com immediately on 01.10.2013. These figures should be reported strictly in the format.

  • c) Break up of Profit & Loss account (Main Heads) should also be furnished to Corporate Accounts Department, BCC, Mumbai as per Annexure – 1(b) and Annexure 1(d), and also Analysis of Profit & Loss Account as per Annexure - 1(c) latest by 4th October, 2013.

  • d) The details of Interest Earned from / paid to other PMOs in India (Code 3077 / 1021) and Interest Earned from / paid to our own foreign branches (Code 3079 / 1022) and interest paid / received on borrowings / placements (overseas subsidiaries) (Code 3061 / 1017) have to be reported in Annexure I (d) as per format enclosed. This will be applicable to Specialised Integrated Treasury Branch and all PMOs in India and for foreign branches through the International Division. We advise Treasury/Respective branches to reconcile the balances well in advance to avoid mismatch in figures.

  • e) Zonal Offices will retain all the Closing Returns of Limited Review Branches listed in Annexure-II & III at their end and will send only copy of the Review Report along with MOC 14 and 14D to Corporate Accounts Department, BCC, Mumbai latest by 09.10.2013 in one lot. If there are any MOC items in Return No.14 or 14D, the Zonal Offices must scrutinize and give their comments on the same. One copy of MOC 14D must be submitted to ASCROM Cell for giving effect of MOCs while finalizing ASCROM Data.

  • f) Zonal offices are advised to ensure that –

    • a. Soft Copy and Hard copy of all the Closing Returns are submitted in one lot only after cross verification and making the same error-free.

    • b. Copy of MOC-14 and 14-D should be submitted to Corporate Accounts deptt. Whereas one copy of 14-D should be submitted to ASCROM Cell, BCC also.

    • c. Limited Review Report should be submitted to Corporate A/cs deptt. BCC, Mumbai In one lot along with MOC i.e. MOC is required to be sent even though it is nil for all the branches which are under limited Review.

    • d. To report to Corp. A/Cs department, Mumbai the status of progress of audit i.e. the number of branches in their zone, where audit / review has

9

__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

commenced or in progress or completed etc. on daily basis starting from 03.10.13 till completion of

commenced or in progress or completed etc. on daily basis starting from 03.10.13 till completion of audit of all the branches as per annexure II & III.

VII)

TIME SCHEDULE FOR SUBMISSION OF CLOSING RETURNS:

We give below the calendar for submission of important data/closing returns to be submitted by Regional Office to Zonal Office & Zonal Office to Corporate Accounts Department, BCC, Mumbai:-

Annexure

Particulars

Regional Office

Zonal

Office

to

To Zonal Office

Corporate

Accounts

Dept BCC, Mumbai

 
  • I (a)

Reporting of Important Figures

01.10.2013

01.10.2013

 

I(b) & I(d)

Profit & Loss Account

04.10.2013

04.10.2013

 
  • I (c)

Analysis of Profit & Loss account

04.10.2013

04.10.2013

 
 

B/S and P/L (White Sheet Format)

05.10.2013

07.10.2013

 
 

Closing Return No. 3, 4, 6A,6B, 7, 8,11,13 & Certificate on Ghosh and Jilani committee

05.10.2013

07.10.2013

 
 

Closing Return No. 19 & 20

05.10.2013

07.10.2013

 
 

Variance Analysis Sheet of some Important Financial Data as per Annexure VI.

-

07.10.2013

 

Time Schedule for submission of Closing Returns / Review Report of branches under Limited Review as mentioned in Annexure- II and III.

Particulars

   

Time Schedule

Reviewed

 

Branches to Regional Offices (all

Zonal Offices should retain with

Closing Return

returns

in

one

lot)

latest

by

them closing return No. 1 to 13 &

No.1,

2,

3,

4,

04.10.2013

in

respect

of

19 & 20 and send only copies of

6A,

6B,

7,

8,

Branches

reviewed

by

Review Report & MOC 14 & 14D

11,

13,

14,

Concurrent Auditors

and

by

to Corporate Accounts

14D,

19

&

20

05.10.2013

in

respect

of

Department, BCC, Mumbai

along-with

Branches reviewed by Statutory

latest by 07.10.2013 in one lot for

Review Report

Central Auditors. (all

returns in

limited review branches as also

one lot). Regional Offices should send all returns in one lot to Zonal Offices latest by 05.10.2013.

branches reviewed by Statutory Central Auditors and one copy of MOC 14D to ASCROM Cell.

10

__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

We request you to please strictly adhere to time schedule as stipulated above and report the

We request you to please strictly adhere to time schedule as stipulated above and report the data in prescribed formats only to save time and cost at every level. Adherence of time schedule will only enable us to publish results within the SEBI/RBI time frame.

Our E-mail ID is: accounts.ho@bankofbaroda.com

You are requested to take a careful note of above for necessary guidance/compliance. However, if you need any further guidance/ clarification you may contact us.

Yours faithfully,

(V K Gupta) General Manager (Corporate Accounts, Taxation & Subsidiaries) and CFO

Encl: as above

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__________________________________________________________________________

Corporate Accounts & Taxation Department, 2 nd Floor,Baroda Corporate Centre,

Bandra (E), MUMBAI 400 051 Tel : 022 – 66985276, 66985280

Fax (022) 26526890

email id : accounts.ho@bankofbaroda.com

Name of the Zone:

_______________________________

BANK OF BARODA

To be sent on or before :

Annexure - 1A

01.10.2013 - By Regional Office to Zonal Office 01.10.2013 - By Zonal Office to Corporate Accounts Department, BCC, Mumbai 400 051.

REPORTING OF IMPORTANT FIGURES FOR HALF YEAR ENDED 30.09.2013

Rs. 000's Omitted

GROSS GROSS LOSS PROFIT NET PROFIT / LOSS HO INTEREST EARNED BY BRANCHES FOR THE HALF
GROSS
GROSS LOSS
PROFIT
NET PROFIT /
LOSS
HO INTEREST
EARNED BY
BRANCHES FOR
THE HALF YEAR
HO INTEREST
PAID BY
BRANCHES FOR
THE HALF YEAR
NET HO
INTEREST
EARNED / (PAID)
BY BRANCHES
NET PROFIT
BEFORE HO
INTEREST FOR
THE HALF YEAR
P/L
BAD
P/L
BAD
TOTAL
TOTAL
DEBTS
DEBTS
DEPOSITS
ADVANCES
WRITTEN OFF- WRITTEN OFF-
ADVANCES
OTHER THAN
ADVANCES
Code No.
1850
*
3860
**
--
3810 1810
--
-- 1720
6050 3040
1
2
3 4
5=(3-4)
6
7 8=(6-7)
9=(5-8)
10
11
12
13
A
Branches
1
2
3
4
5
6
C.F.S
TOTAL
(A)
Administrative Offices
B
(if separate accounts are
maintained by R.O)
1
2
3
4
5
6
TOTAL
(B)
C
Zonal office
D
Zonal Inspection Centre
E
Regional Training Centre
Grand Total ( A to E )
Place :
Date
:
/
/ ____
* To tally with Code 6103 of Closing Return NO. 1 (F.No.154)
**To tally with Code 3151 of Closing Return No. 1 (F.No.154)
Signature of Zonal Head
Name of Admn. Office
Name of the Region
Sr. No.

BANK OF BARODA Name of the Zone _______________________________

To be sent on or before :

ANNEXURE - 1B

  • 04.10.2013 - By Regional Office to Zonal Office

  • 04.10.2013 - By Zonal Office to CA Dept., BCC, Mumbai

(Rs. 000's omitted)

 

Profit & Loss Account for the Halfyear ended 30th September-2013

 
   

Expenditure

Code No.

Amount

   

Income

Code No.

Amount

1

 

Interest expended

   

1

 

Interest & Discount earned

     

a)

Interest paid on deposits

1014

a)

Interest / discount earned on adv. / bills

3057

b)

 

Interest paid on borrowings

1015+1016

 

b)

 

Income from investments

 

3070

 

+1020

 

c)

 

Interest paid on placement of

   

c)

 

Int. earned on bal. With RBI/Other

3060+

 

foreign currencies

Banks

3072

-

by Overseas Subsidiaries

1017

 

d)

 

Interest earned on placement of foreign currencies

   

-

by PMOs

1021

-

by Overseas Subsidiaries

 

3061

-

by Foreign branches

1022

-

by PMOs

3077

     

-

by Foreign branches

 

3079

d

 

Others ***

   

e)

 

Others

***

   

Total Interest expended

1040

   

Total Interest earned

 

3100

 

2

 

Payment to and provisions for employees

1400

 

2

 

Commission; Exchange & Brokerage

 

3160

 

3

 

Rent, Taxes & Lighting

1450

 

3

 

Profit on sale of investments

 

3171

 

4

 

Printing & Stationery

1460

 

4

 

Profit on exchange transactions (Net)

3172

 

5

 

Advertisement & Publicity

1470

 

5

 

Profit on sale of furniture

 

3180

 

6

 

Depreciation

1520

 

6

 

Profit on sale of land; building & other assets

3195

 

7

 

Directors & Local Committee members fees & allowances

1525

 

7

 

Dividend from subsidiaries/joint ventures

3210

 

8

 

Auditors fees & expenses

1530

 

8

 

Incidental charges

 

3250

 

9

 

Law charges

1540

 

9

 

Recovery in bad debts written off

3266

 

10

 

Postage; Telegrams & Stamps

1600

 

10

 

Misc Income - Profit on Revaluation of Fgn Exch Assets & Liabilites

3396

 

11

 

Repairs & Maintenance

1617

 

11

 

Other Income

 

3500

 

12

 

Insurance

1624

           

13

 

Other Expenditure - Loss on Revaluation of Fgn Exch Assets & Liabilities

1675

           

14

 

Other expenditure

1700

           

15

 

Bad debts written off -Advances

1720

           

16

 

Bad debts written off-Other than Advances

1736

           
   

Total Expenditure

1800

     

Total Income

 

3800

 
   

Interest paid to Head Office -

from

       

Interest earned from H.O. -

from

   

01.04.13 to 30.09.13

1805

01.04.13

to 30.09.13

3805

   

Interest paid to Head Office -

       

Interest earned from H.O. - Subsidies from 01.04.13 to

     

Subsidy from 01.04.13 to 30.09.13

1806

30.09.13

3806

   

Profit

*

1850

     

Loss

**

3860

 
   

Grand Total

1900

     

Grand Total

3900

 

Note : Debit balance in income account and credit balance in expenditure account should be netted against relative income / expenditure head as usual

*

To tally with code 6103 of Closing Return No. 1 (Form No. 154)

**

To tally with code 3151 of Closing Return No. 1 (Form No. 154)

***

Treasury Branch to report interest on Swap & Profit / Loss separately

Place:

Date

:

SIGNATURE OF ZONAL HEAD

BANK OF BARODA

Name of the Zone ________________________

To be sent on or before :

  • 04.10.2013 - By Regional Office to Zonal Office

ANNEXURE – 1 (c)

  • 04.10.2013 - By Zonal Office to CA Dept., BCC, Mumbai

ANALYSIS OF PROFIT AND LOSS ACCOUNT FOR THE HALF YEAR ENDED 30.09.2013

(Rs. 000’s Omitted)

   

HALF YEAR

HALF YEAR

QUARTER

QUARTER

DESCRIPTION

ENDED

ENDED

ENDED

ENDED

   

30.09.2013

30.09.2012

30.09.2013

30.09.2012

           

PART-I

         
 

INCOME

       

i)

Interest & Discount on Advances

       

ii)

Other Interest Income

       

iii)

Interest received on placement of funds from erstwhile PMOs in India

       

iv)

Interest received on placement of funds by erstwhile PMOs with our foreign branches & Subsidiaries

       

1)

         

2)

Total Interest Income (i+ii+iii+iv above) Other Income

       

A

         
 

TOTAL INCOME ( 1 + 2 ) EXPENDITURE

       

i)

Interest paid on Deposits

       

ii)

         

iii)

Interest paid on Borrowings Interest paid on placement of funds by erstwhile PMOs

       

iv)

Interest paid on placement of funds with erstwhile PMOs by foreign branches & Subsidiaries

       

I

Total Interest Paid (i+ii+iii+iv above)

       

II

Operating Expenses (i+ii below)

       
 

i) Staff Expenses

       
           

B

ii) Other Expenses TOTAL EXPENSES ( I + II )

       

C

BALANCE - PROFIT (A - B) or

LOSS (B - A)

     
           

PART-II

BUSINESS PERAMETERS

       

1)

Average Advances

       

2)

         

3)

Average Deposits (include Inter Bank) Average Borrowings

       
           

PART-III

RATIO ANALYSIS

       

1)

Yield on Advances

       

2)

         

3)

Cost of Deposits Cost of Borrowings

       
 

Remarks: Please explain in detail the reasons for wide variation in comparative figures or ratios after quantifying the effects of such reasons.

 

Place :

 

______________

Date :

______________

SIGNATURE OF ZONAL HEAD

 
 

BANK OF BARODA

 

Name of PMO

 

Annexure - 1(d)

   

_______________

 
 

To be sent on or before :

  • 04.10.2013 - By Regional Office to Zonal Office

 
   
  • 04.10.2013 - By Zonal Office to CA Dept., BCC, Mumbai

       
 

Reporting of Inter Branch Forex Transactions for the Half Year ended 30th September 2013

 

NOTE NO. 4(A) - INTEREST PAID/RECEIVED ON BORROWINGS / PLACEMENTS TO /

 

FROM ERSTWHILE PMOS IN INDIA

 
     

(Rs. 000's omitted)

   

Head of the account

INTEREST PAID

INTEREST RECEIVED

   

*

Code - 1021

* Code -3077

     

Amount

Amount

(a)

Mumbai Main Office, Mumbai

   

(b)

Ashram Road, Ahmedabad

   

(c)

IBB, New Delhi

   

(d)

IBB, Kolkata

   

(e)

IBB, Chennai

   

(f)

Specialised Integrated Treasury Branch

   
 

TOTAL *

   
       
 

NOTE NO. 4(B) - INTEREST PAID / RECEIVED ON BORROWINGS / PLACEMENTS (WITH OVERSEAS BRANCHES)

       
   

Head of the account

 

INTEREST PAID

INTEREST RECEIVED

   

*

Code - 1022

* Code -3079

     

Amount

Amount

(a)

U.K.

   

(b)

New York

   

(c)

Nassau

   

(d)

Brussels

   

(e)

Fiji

   

(f)

Mauritius

   

(g)

Sultanate of Oman

   

(h)

U.A.E.

   

(i)

Seychelles

   

(j)

OBU Mauritius

   

(k)

Durban

   

(l)

OBU Mumbai

   

(m)

OBU, Singapore

   

(n)

Hongkong

   

(o)

Bahrain

   

(p)

Guangzhou, China

   

(q)

Australia

   
 

TOTAL *

   
       
 

NOTE NO. 4(C) - INTEREST PAID / RECEIVED ON BORROWINGS / PLACEMENTS (OVERSEAS SUBSIDIARIES)

       
   

Head of the account

 

INTEREST PAID

INTEREST RECEIVED

   

*

Code - 1017

* Code -3061

     

Amount

Amount

 
  • (a) KENYA

   
 
  • (b) UGANDA

   
 
  • (c) GUYANA

   
 
  • (d) BOTSWANA

   
 
  • (e) TANZANIA

   
  • (f) BOB UK Ltd

     
 
  • (g) TRINIDAD & TOBAGO

   
 
  • (h) GHANA

   
  • (I) NEWZELAND

     
 

TOTAL *

   
       

*

Total should tally with the figures under the respective codes reported in Closing Return No. 2

       
       

Place: __________

     

Date: __________

 

SIGNATURE OF ZONAL HEAD

 
 

Annexure-II

 

Branches to be Reviewed By SCAs for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

1

EASTERN

KOLKATA METRO

BRABOURNE ROAD

BRABOU

2

EASTERN

KOLKATA METRO

INDIAEXCHANG

INDIAE

3

GREATER MUMBAI

CFS-1 GMZ

CFS,MUMBAI

CFSBAL

4

GREATER MUMBAI

CFS-2 GMZ

CFS BRANCH

CFSFRT

5

GREATER MUMBAI

MUMBAI METRO(S)

MUMBAI MAIN

FORTAP

6

GREATER MUMBAI

MUMBAI METRO(S)

NARIMAN POIN

NARIMA

7

GREATER MUMBAI

MUMBAI METRO(S)

SIR P M ROAD

SIRPMR

8

GREATER MUMBAI

MUMBAI METRO(S)

ZAVERI BAZAR

ZAVERI

9

KARNATAKA & AP

C.B.B. BANGLORE

CFS BLORE

CORBAN

 

KARNATAKA & AP

  • 10 CFS- HYDERBAD

 

IFB HYDERABA

INDHYD

 

MAHA. & GOA

  • 11 C.B.B. - PUNE

 

CFS PUNE

CORPUN

 

NORTH GUJARAT

  • 12 AHMEDABAD

 

ASHRAM ROAD - AHAMDABAD

ASHRAM

 
  • 13 NORTH GUJARAT

C.B.B. - AHMEDABAD

CBB AHMEDABD

CORAHM

 

NORTHERN

  • 14 C.B.B. - DELHI

 

CFS,N.DELHI

INDEL

 
  • 15 DELHI METRO-I

NORTHERN

 

IBB

OVERSE

 
  • 16 DELHI METRO-I

NORTHERN

 

PARLIA

PARLIA

 
  • 17 INDRAPRASTHA

NORTHERN

 

NOIDA

NOIDA

 

RAJASTHAN

  • 18 JAIPUR

 

M.I.ROAD

MIROAD

 
  • 19 CFS BARODA

SOUTH GUJARAT

 

CFSBARODA

CORBAR

 

TAMILNADU & KERALA

  • 20 CFS- CHENNAI

 

CFS CHENNAI

INFIMA

 

Annexure-III

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

1

BIHAR/ORISSA/JHARKHAND

BIHAR

PATNA MAIN

PATNA

2

BIHAR/ORISSA/JHARKHAND

BIHAR

SRI KRISHNAP

SRIKRI

3

BIHAR/ORISSA/JHARKHAND

JHARKHAND

GOLMURI

GOLMUR

4

BIHAR/ORISSA/JHARKHAND

JHARKHAND

JAMSHEDPUR M

JAMSHE

5

BIHAR/ORISSA/JHARKHAND

ORISSA

BARBIL

BARBIL

6

BIHAR/ORISSA/JHARKHAND

ORISSA

BHUBANESHWAR

BHUBAN

7

BIHAR/ORISSA/JHARKHAND

ORISSA

CUTTACK

CUTTAC

8

BIHAR/ORISSA/JHARKHAND

ORISSA

ROURKELA

ROURKE

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

9

EASTERN

CFS KOLKATA

WHOLESALE BANKING

WHLKOL

 
  • 10 KOLKATA METRO

EASTERN

 

BURRABAZAR

BURRAB

 
  • 11 KOLKATA METRO

EASTERN

 

C R AVENU(S)

CHITTA

 
  • 12 KOLKATA METRO

EASTERN

 

CAMAC STREET

CAMACS

 
  • 13 KOLKATA METRO

EASTERN

 

IBB CALCUTTA

INTCAL

 
  • 14 KOLKATA METRO

EASTERN

 

MG ROAD(CAL)

MGROAD

 
  • 15 NORTH EAST

EASTERN

 

GAUHATI

GAUHAT

 
  • 16 W.BENGAL-SIKKIM

EASTERN

 

SILIGURI

SILIGU

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 17 EASTERN UP

KANPUR

CHUNNIGANJ

CHUNNI

 
  • 18 EASTERN UP

KANPUR

FAZALGUNJ

INDKAN

 
  • 19 EASTERN UP

KANPUR

GUMTI NO.5

GUMTI

 
  • 20 EASTERN UP

KANPUR

IND.E. PANKI

PANKI

 
  • 21 EASTERN UP

KANPUR

KANPUR MAIN

BIRHAN

 
  • 22 EASTERN UP

KANPUR

MALL ROAD

MALLRO

 
  • 23 EASTERN UP

KANPUR

SSI KANPUR

SSIKAN

 
  • 24 EASTERN UP

LUCKNOW

GOMTI NAGAR

SAVGOM

 
  • 25 EASTERN UP

LUCKNOW

LUCKNOW MAIN

HAZARA

 
  • 26 EASTERN UP

LUCKNOW

NARHI PARK R

NARHI

 
  • 27 EASTERN UP

RAE BARELI

RAE BARELI

RAEBAR

 
  • 28 EASTERN UP

VARANASI

IBB VARANASI

INTVAR

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 29 GREATER MUMBAI

MUMBAI METRO(E)

CHANDAVARKAR

CHANDA

 
  • 30 GREATER MUMBAI

MUMBAI METRO(E)

CHEMBUR

CHEMBU

 
  • 31 GREATER MUMBAI

MUMBAI METRO(E)

SHIVAJI PARK

SHIBOM

 
  • 32 GREATER MUMBAI

MUMBAI METRO(E)

THANE [W]

THANA

 
  • 33 GREATER MUMBAI

MUMBAI METRO(E)

VASHI

VASHI

 
  • 34 GREATER MUMBAI

MUMBAI METRO(E)

WORLI

WORLI

 
  • 35 GREATER MUMBAI

MUMBAI METRO(N)

ANDHERI

ANDHER

 
  • 36 GREATER MUMBAI

MUMBAI METRO(N)

BANDRA-WEST

BANDRA

 
  • 37 GREATER MUMBAI

MUMBAI METRO(N)

BORIVALIWEST

BORIVL

 
  • 38 GREATER MUMBAI

MUMBAI METRO(N)

BUSINESS FIN

INTMUM

 
  • 39 GREATER MUMBAI

MUMBAI METRO(N)

CHAKALA

CHAKAL

 
  • 40 GREATER MUMBAI

MUMBAI METRO(N)

KALINA

KALINA

 
  • 41 GREATER MUMBAI

MUMBAI METRO(N)

MALAD WEST

MALAD

 
  • 42 GREATER MUMBAI

MUMBAI METRO(N)

MTPOINSUR

POINSU

 
  • 43 GREATER MUMBAI

MUMBAI METRO(N)

SAKINAKA

SAKINA

 
  • 44 GREATER MUMBAI

MUMBAI METRO(N)

VILE PARL(E)

VILEAS

 
  • 45 GREATER MUMBAI

MUMBAI METRO(N)

VILE PARL(W)

VILWES

 
  • 46 GREATER MUMBAI

MUMBAI METRO(S)

ALTAMOUNT RD

ALTAMO

 
  • 47 GREATER MUMBAI

MUMBAI METRO(S)

BACKBA RECLA

BACKBA

 
  • 48 GREATER MUMBAI

MUMBAI METRO(S)

BALLARD ESTA

BALBOM

 
  • 49 GREATER MUMBAI

MUMBAI METRO(S)

C P TANK

CPTANK

 
  • 50 GREATER MUMBAI

MUMBAI METRO(S)

COLABA

COLABA

 
  • 51 GREATER MUMBAI

MUMBAI METRO(S)

CRAWFORD MKT

CRAWFO

 
  • 52 GREATER MUMBAI

MUMBAI METRO(S)

FORT UNIVER.

FORTUN

 
  • 53 GREATER MUMBAI

MUMBAI METRO(S)

GAMDEVI

GAMDEV

 
  • 54 GREATER MUMBAI

MUMBAI METRO(S)

GULALWADI

GULALW

 
  • 55 GREATER MUMBAI

MUMBAI METRO(S)

KHANDBAZAR

KHANDB

 
  • 56 GREATER MUMBAI

MUMBAI METRO(S)

KHETWADI

KHETWA

 
  • 57 GREATER MUMBAI

MUMBAI METRO(S)

MANDVI-BOMBA

MANDVI

 
  • 58 GREATER MUMBAI

MUMBAI METRO(S)

MANGALDAS MARKET

MANBOM

 
  • 59 GREATER MUMBAI

MUMBAI METRO(S)

MARINE DRIVE

MARINE

 
  • 60 GREATER MUMBAI

MUMBAI METRO(S)

MULJI JETHA

BULLIO

 
  • 61 GREATER MUMBAI

MUMBAI METRO(S)

OPERA HOUSE

OPERAH

 
  • 62 GREATER MUMBAI

MUMBAI METRO(S)

TARDEO ROAD

TARDEO

 
  • 63 GREATER MUMBAI

MUMBAI METRO(S)

THAKURDWAR

THAKUR

 
  • 64 GREATER MUMBAI

MUMBAI METRO(S)

V.P.ROAD-BOM

VPROAD

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 65 KARNATAKA & AP

A.P.I

JUBILEE HILL

JUBILE

 
  • 66 KARNATAKA & AP

A.P.I

KHAIRATABAD

KHAIRA

 
  • 67 KARNATAKA & AP

A.P.I

PUNJAGUTTA

PUNJAG

 
  • 68 KARNATAKA & AP

A.P.I

SAFB HYDERAB

AGRHYD

 
  • 69 KARNATAKA & AP

A.P.I

TILAKNAGAR

TILHYD

 
  • 70 KARNATAKA & AP

A.P.II

ASILMETTA

ASILME

 
  • 71 KARNATAKA & AP

A.P.II

KAKINADA

KAKINA

 
  • 72 KARNATAKA & AP

A.P.II

RAJAHMUNDRY

RAJAHM

 
  • 73 KARNATAKA & AP

KARNATAKA

BRIGADE ROAD

BRIGAD

 
  • 74 KARNATAKA & AP

KARNATAKA

JAYANAGAR

JAYANA

 
  • 75 KARNATAKA & AP

KARNATAKA

K.G.RD.MAIN

BANGAL

 
  • 76 KARNATAKA & AP

KARNATAKA

MANGALORE

MANGAL

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 

M.P. & CHATISGARH

  • 77 BHOPAL

 

HABIBAGUNJ

HABIBG

 

M.P. & CHATISGARH

  • 78 BHOPAL

 

TATYATOPE

TATYAT

 

M.P. & CHATISGARH

  • 79 INDORE

 

A B ROAD IND

COLIND

 

M.P. & CHATISGARH

  • 80 INDORE

 

GOYAL NAGAR

GOYALN

 

M.P. & CHATISGARH

  • 81 INDORE

 

I.E.INDORE

INDIND

 

M.P. & CHATISGARH

  • 82 INDORE

 

KHARGO

KHARGO

 

M.P. & CHATISGARH

  • 83 INDORE

 

NAVLAKHA AREA

NAVLAK

 

M.P. & CHATISGARH

  • 84 INDORE

 

SENDHWA

SENDHW

 

M.P. & CHATISGARH

  • 85 INDORE

 

SIYAGANJ

SIYAGA

 

M.P. & CHATISGARH

  • 86 INDORE

 

TRANSPORT NAGAR INDORE

TRANSP

 

M.P. & CHATISGARH

  • 87 RAIPUR

 

BHILAI

BHILAI

 

M.P. & CHATISGARH

  • 88 RAIPUR

 

DURG

DURG

 

M.P. & CHATISGARH

  • 89 RAIPUR

 

PANDRI

PANRAI

 

M.P. & CHATISGARH

  • 90 RAIPUR

 

RAIPUR

RAIPUR

 

M.P. & CHATISGARH

  • 91 RAIPUR

 

WHOLE SALE BANKING RAIPUR

WHLRAI

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 92 MAHA. & GOA

AURANGABAD

AURANGABAD

AURANG

 
  • 93 MAHA. & GOA

AURANGABAD

I.E.AHMEDNAG

INDAHM

 
  • 94 MAHA. & GOA

AURANGABAD

LATUR

LATUR

 
  • 95 MAHA. & GOA

AURANGABAD

PIMPALGAON B

PIMPAL

 
  • 96 MAHA. & GOA

AURANGABAD

SANGAMNER

SANGAM

 
  • 97 MAHA. & GOA

GOA & W.MAHARAS

RATNAGIRI

MAHRAT

 
  • 98 MAHA. & GOA

GOA & W.MAHARAS

SANGLI

SANGLI

 
  • 99 MAHA. & GOA

GOA & W.MAHARAS

SHAHUPURI KO

SHAHUP

 
  • 100 MAHA. & GOA

GOA & W.MAHARAS

SHIVAJI CHOK

SHIKOL

 
  • 101 MAHA. & GOA

GOA & W.MAHARAS

UDGAON

UDGAON

 
  • 102 MAHA. & GOA

NAGPUR

DHARAMPETH

DHARAM

 
  • 103 MAHA. & GOA

NAGPUR

HINGANGHAT

HINGAN

 
  • 104 MAHA. & GOA

NAGPUR

SITABULDI

SITABU

 
  • 105 MAHA. & GOA

NAGPUR

YEOTMAL

YEOTMA

 
  • 106 MAHA. & GOA

PUNE

GUL TEKDI

GULTEK

 
  • 107 MAHA. & GOA

PUNE

KARVE ROAD

KARVER

 
  • 108 MAHA. & GOA

PUNE

MID CORPORATE

MIDPUN

 
  • 109 MAHA. & GOA

PUNE

PI.CHINCHWAD

CHINCH

 
  • 110 MAHA. & GOA

PUNE

POONA CAMP

POOCAM

 
  • 111 MAHA. & GOA

PUNE

SENAPATI BAP

POOSEN

 
  • 112 MAHA. & GOA

PUNE

SSI PIMPRI

SSIPIM

 
  • 113 MAHA. & GOA

PUNE

STATION ROAD - PUNE

STAPOO

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 114 NORTH GUJARAT

AHMEDABAD

BHADRA - LAL DARWAJA

BHADRA

 
  • 115 NORTH GUJARAT

AHMEDABAD

I.E. VATWA

INDVAT

 
  • 116 NORTH GUJARAT

AHMEDABAD

MID CORP LAW GARDEN

MIDAHM

 
  • 117 NORTH GUJARAT

AHMEDABAD

NAVRANGPURA

NAVRAN

 
  • 118 NORTH GUJARAT

AHMEDABAD

NEW CLOTH MK

NEWCLO

 
  • 119 NORTH GUJARAT

AHMEDABAD

S.G.HIGHWAY AHMEDABAD

SGHAHM

 
  • 120 NORTH GUJARAT

AHMEDABAD

USMANPURA

USMANP

 
  • 121 NORTH GUJARAT

ANAND

ANAND MAIN

ANAND

 
  • 122 NORTH GUJARAT

ANAND

VALLABH VIDY

VALLAB

 
  • 123 NORTH GUJARAT

JAM JUN & KUTCH

GANDHIDHAM

GANKUT

 
  • 124 NORTH GUJARAT

MEHSANA

DEESA

DEESA

 
  • 125 NORTH GUJARAT

MEHSANA

I.E.MEHSANA

INDMEH

 
  • 126 NORTH GUJARAT

MEHSANA

KALOL-N.G

KALOL

 
  • 127 NORTH GUJARAT

MEHSANA

MEHSANA MAIN

MEHSAN

 
  • 128 NORTH GUJARAT

MEHSANA

MOTIPURA

MOTIPU

 
  • 129 NORTH GUJARAT

MEHSANA

PALANPUR

PALANP

 
  • 130 NORTH GUJARAT

MEHSANA

UNJHA

UNJHA

 
  • 131 NORTH GUJARAT

MEHSANA

VIJAPUR

VIJAPU

 
  • 132 NORTH GUJARAT

RAJKOT

I.E.RAJKOT

INDRAJ

 
  • 133 NORTH GUJARAT

RAJKOT

MORVI

MORVI

 
  • 134 NORTH GUJARAT

RAJKOT

RAJKOT MAIN

RAJKOT

 
  • 135 NORTH GUJARAT

RAJKOT

WANKANER

WANRAJ

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 136 NORTHERN

CHANDIGARH

17-B,CHANDIG

SECTOB

 
  • 137 NORTHERN

CHANDIGARH

22-B,CHANDIG

SECTOC

 
  • 138 NORTHERN

CHANDIGARH

MOHALI

MOHALI

 
  • 139 NORTHERN

DELHI METRO-I

ASHOK VIHAR

DELWAZ

 
  • 140 NORTHERN

DELHI METRO-I

B-3

CONNAU

 
  • 141 NORTHERN

DELHI METRO-I

M-9 CONNAUGH

CONLAD

 
  • 142 NORTHERN

DELHI METRO-I

PAHARGANJ

PAHARG

 
  • 143 NORTHERN

DELHI METRO-II

CHANAKYAPURI

CHANAK

 
  • 144 NORTHERN

DELHI METRO-II

DEFENCE COLO

SOUTHE

 
  • 145 NORTHERN

DELHI METRO-II

GURGAON

GURGAO

 
  • 146 NORTHERN

DELHI METRO-II

KAROLBAGH

KAROLB

 
  • 147 NORTHERN

DELHI METRO-II

NEHRU PLACE - NEW DELHI

NEHRUP

 
  • 148 NORTHERN

INDRAPRASTHA

FARIDABAD

FARIDA

 
  • 149 NORTHERN

INDRAPRASTHA

GENEXT NOIDA SEC 62

GENOID

 
  • 150 NORTHERN

INDRAPRASTHA

GHAZIABAD - GANDHI NAGAR

GHAZIA

 
  • 151 NORTHERN

INDRAPRASTHA

MODINAGAR

MODINA

 
  • 152 NORTHERN

INDRAPRASTHA

SSI NOIDA

SSIGAZ

 
  • 153 NORTHERN

PUNJAB & J & K

CLOCK TOWER - LUDHIANA

LUDHIA

 
  • 154 NORTHERN

PUNJAB & J & K

G.T.ROAD.

JULLUN

 
  • 155 NORTHERN

PUNJAB & J & K

IND.AREA-LUD

INDLUD

 
  • 156 NORTHERN

PUNJAB & J & K

MILLER GANJ LUDHIANA

MILLER

 
  • 157 NORTHERN

PUNJAB & J & K

PATIALA

PATIAL

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.

Zone Name

Region Name

Branch Name

Branch Alpha

 
  • 158 RAJASTHAN

AJMER

AJMER MAIN

AJMER

 
  • 159 RAJASTHAN

AJMER

BHILWARA

BHILWA

 
  • 160 RAJASTHAN

AJMER

SSI BHILWARA

SSIBHI

 
  • 161 RAJASTHAN

JAIPUR

IBB JAIPUR

JAIINT

 
  • 162 RAJASTHAN

JAIPUR

MSA JAIPUR

MULJAI

 
  • 163 RAJASTHAN

JAIPUR

NEHRU PLACE - JAIPUR

NEHJAI

 
  • 164 RAJASTHAN

JAIPUR

SME SPECILIZED BRANCH VKI AREA

INDJAI

 
  • 165 RAJASTHAN

JODHPUR

I.E.MARUDHAR

INDJOD

 
  • 166 RAJASTHAN

JODHPUR

JODHPUR MAIN

JODHPU

 
  • 167 RAJASTHAN

JODHPUR

PALI

PALI

 
  • 168 RAJASTHAN

JODHPUR

SRI DUNGARGR

SRIDUN

 
  • 169 RAJASTHAN

JODHPUR

UNI.JODHPUR

UNIJOD

 
  • 170 RAJASTHAN

KOTA

JHALAWAR RD.

KOTRAJ

 
  • 171 RAJASTHAN

UDAIPUR

BANSWARA

BANSWA

 
  • 172 RAJASTHAN

UDAIPUR

UDAIPUR MAIN

UDAIPU

 

Branches to be Reviewed By Concurrent Auditors for the Half Year ending 30th September 2013

Sr. No.