Beruflich Dokumente
Kultur Dokumente
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AmnHo$ ~H$ H$m n[aMmbZ bm^ {dmr` df 2012-13 | ` 7,458
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H$s d{ XO H$s JB&
In the Euro area, policy actions have reduced major risks and stabilized
financial conditions, although growth in the periphery is still constrained
by credit bottlenecks. There are increasing signs that the European
economy has reached a turning point. The fiscal consolidation and
structural reforms undertaken in Europe have created the basis for
recovery. The region is expected to gradually pull out of recession, with
growth expected to touch 0.5 percent in 2014 from 0.4 per cent in 2013.
However, unemployment is still high and is estimated to remain around
12.20 per cent until 2015.
As far as the Indian economy is concerned, the Central Statistical
Organisation (CSO) has estimated that the growth for 2013-14 will be
around 4.90 per cent as against 4.50 per cent in 2013-14. While gross
domestic product (GDP) growth is expected to be driven by better farm
output, which is projected to grow at 4 per cent in 2013-14 against 1.4
per cent in 2012-13, manufacturing is expected to remain sluggish
as revealed by the Index of Industrial production numbers pegging
manufacturing growth at -0.8% for FY 2014.
The Indian economy remains constrained by slow industrial growth,
contracting manufacturing output, weak investment and a reduction in
private consumption. An Asian Development Bank (ADB) report states
that capacity for rapid growth over the long term is high, with a promising
outlook for capital flows and infrastructure provided necessary reforms
are initiated to achieve and sustain growth rates. Another success sphere
is reduction of current account deficit (CAD) to 2 per cent from 4.7 per
cent a year earlier. However, interest rates are not likely to ease much
given the inflationary pressures.
Outlook for FY 2014-15
The global economy, which for most part of 2013-14 remained in the low
growth trajectory, though with a recovery bias, at around 2.40 per cent,
is likely to improve to 3.40 per cent in 2014-15. The domestic economy
is expected to show improvement to around 5.5 per cent, with pick-up in
investments and clearance of stalled projects subject to normal monsoon
and decent agricultural growth. The outlook for industrial activity is
contingent upon a change in business sentiment and a necessary push
for investments through speedy clearance of stalled projects worth ` 7
lakh core.
Inflation is an area of concern. Retail Inflation which in April 2014
increased to 8.59 per cent could hamper growth and consumption if
not controlled. It may not be possible for the RBI to ease interest rates
unless retail inflation declines. Meanwhile, Indicators such as corporate
performance, industrial outlook and PMIs point to declining pricing
power. On the other hand, food inflation is likely to be a source of upside
pressure because of persisting supply imbalances and a possible hike
in diesel prices to eliminate subsidies. Also, the timing and magnitude
of administered price revisions, particularly of electricity and coal, will
impact the evolution of future inflation trajectory 2014-15.
However, now that a government with a decisive mandate is in place,
economy should start improving and banks should see improvement on
the asset quality front. Banks should see a significant decline on this
front after a couple of years when the results of reform initiatives start
trickling in.
Banks performance
/ BANK OF INDIA
The Cost to Income Ratio rose during the year from 41.69 %
in FY 2012-13 to 44.30% for FY 2013-14.
1.20 crore New Customers were added during the year 201314, taking the total Customer base to 7.7 crore.
/ BANK OF INDIA
Your Bank remains one of the front runners in the commitment and
implementation of Financial Inclusion Initiatives. The Bank has achieved
100% Financial Inclusion in all 4404 allotted villages with population
above 2000 as on 31.03.2014. It opened 107.28 lakh accounts and
engaged 6072 Business Correspondents. Robust operational systems
with adequate risk mitigants and best practices have been built up and
are being pursued.
Bank opened one representative office in Yangon, Myanmar and
one subsidiary in Bostwana during the year. Our Banks subsidiary in
Newzealand opened its second branch during the year thus increasing
our global presence.
I wish to place on record the valuable contributions made by the directors
of the Board who demitted office during the year viz. Mr. N. Seshadri, Mr.
M S Raghavan, Mr.Umesh Kumar, Mr. P.R. Ravimohan and Mr.Harvinder
Singh. The Bank thanks the Government of India, the Reserve Bank of
India and the Board from whom it has been receiving excellent support
and valuable guidance. I thank our Business Associates, customers and
shareholders without whose faith and trust, the Bank would not have
reached where it has, today. These accomplishments would not have
been possible but for the tireless efforts of our committed staff members.
On behalf of the Bank and on my personal behalf, I would like to thank all
the stakeholders and look forward to their continued patronage, guidance
and support.
With warm regards,
(Mrs. V.R.Iyer)
Date: May 30, 2014
/ BANK OF INDIA
{ZXoeH$ [anmoQ
H$m`{ZnmXZ H$s w` ~mV| - {dmr` mZXS> ({dmr df 2013 - 14)
wI {dmr` S>mQ>m
(am{e ` H$amoS> |)
{ddaU
2012-13 2013-14 d{ (%)
9,024
{Zdb `mO Am`
10,831
20.02
3,766
Ja `mO Am`
4,292
13.97
5,332
n[aMmbZ ``
6700
25.66
7,459
n[aMmbZ bm^
8,423
12.94
4,709
mdYmZ/AmH$pH$VmE
5,694
20.89
2,749
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2,729
-0.73
{V eo`a AOZ (`)
47.79
44.74
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362
387
Hw$N> {dmr` AZwnmV ZrMo VwV {H$E JE h :
(% |)
2,729
26.44%
569710
18.45%
674808
627850
1%
426425 16.8
26.05%
498103
143285
23.32%
mM '12
dpdH
mZXS>
2012-13 2013-14
A{J na Am`
8.87
8.45
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7.81
8.12
{Z{Y`m| na Am`
7.67
7.19
Om am{e`m| H$s bmJV
5.94
5.62
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5.50
5.14
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2.38
2.34
n[aMmbZ ``m| Ho$ {V Ja `mO Am`
70.64
64.06
AmgV H$m`erb {Z{Y Ho$ {V A`V Am`
0.90
0.81
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1.28
1.27
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0.75
0.76
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0.53
0.51
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1.79
1.60
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10.56
10.17
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29.45
28.38
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41.69
44.30
B{$Q>r na [aQ>Z (%)
13.62
11.82
AmgV AmpV`m| na [aQ>Z (%)
0.65
0.51
IS>dma H$m`{ZnmXZ
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bm^me Kmo{fV Zhr {H$m Jm h& df Ho$ XmamZ Hw$b bm^me ^wJVmZ H$s ` 375.72
H$amoS> aH$ (bm^me {dVaU H$a em{b) H$s KmofUm Zht H$s JB h&
225352
176705
27.53%
mM '13
Xoer
mM '14
{dXoer
nyOr n`mVVm AZwnmV ( grAmaEAma) ~mgob III Ho$ AZwgma 9.97% ahm&
/ BANK OF INDIA
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bm^ (` H amoS )
8422.90
7458.50
12.93%
6693.95
11.42%
2749.35
2677.52
2729.27
-0.73%
2.68%
mM '12
mM '13
mM '14
n[aMmbZ bm^
{Zdb bm^
nyOr
{dmr` df 2013-14 Ho$ XmamZ ~H$ H$s {Zdb m{b`V ` 21,621 H$amoS> go ~T>H$a
` 24,543 H$amoS> hB df Ho$ XmamZ ~H$ Zo `oH$ ` 10 Ho$ ` 215.70 am{e Ho$ y` Ho$
` 1,000 H$amoS> Ho$ ^maV gaH$ma H$mo 46,360,686 B{$Q>r eoa Omar {H$E& Bg am{e Ho$
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nyOr n`mVm
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ZrMo {X`m J`m h&
(` H$amoS> |)
{ddaU
31.03.2013
(~mgob II Ho$
am{e
grAmaEAma
VhV)
(%)
{Q>`a I nyOr
23,019
8.20
{Q>`a II nyOr
7,916
2.82
Hw$b nyOr
30,935
11.35
OmopI ^m[aV
280,637
AmpV`m
31.03.2014
am{e
grAmaEAma
(%)
26,232
7.57
11,062
3.19
37,294
10.76
346,754
(` H$amoS> |)
{ddaU
(~mgob III Ho$ VhV)
H$mZ B{$Q>r {Q>`a I nyOr( grBQ>r 1)
A{V[a$ {Q>`a I
{Q>`a I nyOr
{Q>`a II nyOr
Hw$b nyOr
OmopI ^m[aV AmpV
31.03.2014
am{e
grAmaEAma
(%)
23,770
6.84
1,389
0.40
25,160
7.24
9,499
2.73
34,659
9.97
347,702
9
/ BANK OF INDIA
PERFORMANCE
(FY 2013-14)
HIGHLIGHTS
FINANCIAL
PARAMETERS
Parameters
674808
627850
1%
426425 16.8
26.05%
498103
225352
176705
143285
23.32%
March '12
(Global)
27.53%
March '13
March '14
(Domestic)
2013-14
Yield on Advances
8.87
8.45
Yield on Investment
7.81
8.12
Yield on Funds
7.67
7.19
Cost of Deposits
5.94
5.62
Cost of Funds
5.50
5.14
2.38
2.34
70.64
64.06
853202
18.45%
2012-13
0.90
0.81
1.28
1.27
0.75
0.76
0.53
0.51
1.79
1.60
10.56
10.17
29.45
28.38
41.69
44.30
Return on Equity
13.62
11.82
0.65
0.51
(Foreign)
The Bank earned an Operating Profit of ` 8,423 crores during the financial
year 2013-14. The contribution made through Treasury operations was
` 1,628 crore, that of wholesale Banking was ` 1,271 crores, and Retail
Banking was ` 932 crores. Your Bank earned a profit after Tax (PAT) of
` 2,729 crores after deducting ` 286 crores of unallocated expenditure
and ` 816 crores towards provision for tax.
PROFIT (` Crore)
8422.90
7458.50
12.93%
6693.95
11.42%
2749.35
2677.52
Particulars
Net Interest Income
Non-Interest Income
Operating Expenses
Operating Profit
Provisions / Contingencies
Net Profit
Earnings per share (`)
Book value per share (`)
2012-13
9,024
3,766
5,332
7,459
4,709
2,749
47.79
362
2013-14
10,831
4,292
6,700
8,423
5,694
2,729
44.74
387
Growth (%)
20.02
13.97
25.66
12.94
20.89
-0.73
-
2729.27
-0.73%
2.68%
March '12
March '13
Operation Profit
Net Profit
10
March '14
/ BANK OF INDIA
DIVIDEND
During the year your Bank has paid an interim dividend of ` 5/- per share
(on the face value of ` 10/- per share). With a view to conserve capital, no
final dividend is declared by the Board of Directors. During the year the
total dividend payment amounted to ` 375.72 crores (including dividend
distribution tax).
CAPITAL
Net worth of your Bank has increased to ` 24,543 crores from ` 21,621
crores during the financial year ended 2013-14. During the year, the
Bank has issued 46,360,686 Equity Shares of ` 10/- each at a price of
` 215.70 amounting to ` 1000 crores to Government of India. In addition
to that an amount of ` 19,922 crores was transferred to Reserves from
the profits earned.
During the year, the Bank has also issued Basel-III Compliant Tier-II
bonds for ` 1,500 crores for 10 years maturity, without any call option.
CAPITAL ADEQUACY
As per Basel III framework, Banks Capital Adequacy Ratio was 9.97%
which was higher than the regulatory requirement of 9%.
(` In crore)
Particulars
(Under BASEL II)
31.03.2013
31.03.2014
Amount
CRAR
(%)
Amount
CRAR
(%)
Tier I Capital
23,019
8.20
26,232
7.57
Tier II Capital
7,916
2.82
11,062
3.19
Total Capital
30,935
11.02
37,294
10.76
280,637
346,754
(` In crore)
Particulars
(Under BASEL III)
31.03.2014
Amount
CRAR
(%)
23,770
6.84
1,389
0.40
Tier I Capital
25,160
7.24
Tier II Capital
9,499
2.73
Total Capital
34,659
9.97
347,702
11
/ BANK OF INDIA
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12
/ BANK OF INDIA
/ BANK OF INDIA
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14
/ BANK OF INDIA
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ny{V ~H$ Ho$ wI H$m`m] | go EH$ h& Bg {Xem | H$m` H$aZo Ho$ {bE nyao Xoe | ~H$
H$s 217 emImE A{YH$V h Omo Am`mVH$m| VWm {Z`mVH$m| Ho$ F$U/{dXoer {d{Z`
Amd`H$VmAm| H$mo nyam H$aVr h VWm {dXoer {d{Z` H$mamo~ma H$aVr h& ~H$ Ho$
{Z`mV F$U Zo `1,898 H$amoS> H$s d{ XO H$s h `Wm mM 2013 Ho$ 21% d{
31 mM 2014 H$mo `10,997 VH$ nhM JB& ZoQ> g`mo{OV ~H$ F$U Ho$ {Z`mV F$U
H$s {hgoXmar mM 2014 H$mo 4.15% Wr&
{Z`mVH$m| VWm Ja-{Z`mVH$m| XmoZm| H$s {dmr` Amd`H$VmAm| H$s ny{V ~H$ H$s {dXoer
emImAm| Ho$ Bgr~r Ho$ mam H$s OmVr h VWm Kaoby emImAm| mam {dXoer wm F$U H$m
H$m` {H$`m OmVm h& Bg H$ma Ho$ A{J H$s am{e 31.03.2014 VH$ `yEgS>r 447
{{b`Z h (BgrH$s `yEgS>r na {{b`Z VWm {dXoer wm F$U `yEgS>r 405 {{b`Z
{bmH$a h) Omo `2,678 H$amoS> Ho$ ~am~a h& ~H$ {dXoer wm | nmoVbXmZ-nyd VWm
nmoVbXmZ-nmV {Z`mV F$U XmZ H$aVm h VWm 31.03.2014 VH$ ~H$m`m am{e
`yEgS>r 585 {{b`Z h (`3,505 H$amoS> Ho$ ~am~a)&
boZ-XoZ (QmOoeZ) ~qH$J
~H$ H$m QmOeZ ~qH$J {d^mJ 3 H$mamo~mar bmBZ na Ho$pV h, {Og| ~H$ Ho$ wI
amOd mH$Vm H$m Co` h Omo {ZZ{bpIV h :ZH$Xr ~YZ godmE,
MZb {dmnmofU,
QoS> {dmnmofU, VWm
~H$ Ho$ H$mnm}aoQ> VWm CM {Zdb m{bV (EMEZS>`y) JmhH$m| Ho$ Ka na godmE
XmZ H$aZm, ZH$Xr m H$aZm (ma ma ~qH$J) g^r emImAm| Ho$ {bE h& b`
{H$E JE JmhH$m| go Bg {df`H$ gH$mammH$ {V{H$`m m hB h {Oh| ~H$ go {demb
am{e H$mo bmZo-bo-OmZo H$s {MVmAm| go Nw>Q>H$mam {bm& df 2013-14 Ho$ XmamZ ~H$
Zo {dnUZ H$m {deof `mg {H$`m VWm N>mrgJT> (am`nwa AMb), PmaIS> (amMr
AMb), CmamMb (Jm{O`m~mX AMb), Amgm VWm oKmb` ({gbrJwS>r AMb)
Ho$ gaH$ma go gnH$ H$m ~ohVa n[aUm m {H$`m&
AVam>r` ~qH$J
5 hm{nm| VWm 22 Xoem| H$s CnpW{V | ~H$ g^r wI {dmr` Ho$m| Ogo bXZ,
`y`mH$, no[ag, Q>mo`mo, qgJmnwa VWm hmJH$mJ | godmE XmZ H$aVm h& 31.03.2014
VH$ ~H$ H$s 56 {dXoer emImAm| H$m ZoQ>dH$ Wm{nV hAm {Og| 5 {V{Z{Y
H$m`mb` 5 gpgS>arO VWm/OmBQ> doMa h&
g^r Ho$mo {$ZoH$b booQ>$m na H$m`aV h {Oggo ~YZ {dH$mg Umbr VWm JmhH$
godm | {dH$mg hAm h&
Q>r H$a|gr AVam>r` qgS>rHo$eZ F$U Ho$ {bE ~H$ So>Q>oS> brS> ZoOa (EEbE)
VWm OmBQ> ~wH$ aZa (Oo~rAma) Ho$ $n | H$m H$aVm h VWm ^maVr` H$mnm}aoQ> H$mo
CZHo$ {dVmma/A{YJhU VWm OmBQ> doMg g{hV `mnH$ CmoJ H$mo H$da H$aVo hE
`yEgS>r, OonrdmB, `yamo VWm Or~rnr wm | F$U H$s `>dWm H$aVm h&
w~B o ~H$ H$m bmo~b ao{Q>og Ho$ (OrAmagr) h& AmdH$ ao{Q>og, A{Zdmgr
^maVr`m| H$m EZAmaAmB/EZAmaAmo ImVm ImobZo H$m H$m` OrAmagr | Ho$rH$V h&
Omam{e`m| VWm YZofU Ho$ mbo | A{Zdmgr JmhH$m| hoVw godmE h {Og| YZofU
Ho$ {bE EgEEg AbQ> VWm gmW hr gmW m H$aZodmbo Ho$ {bE ImS>r Xoem| |
godmE Ama^ H$s JB h& QoQ> Wy mogoqgJ (EgQ>rnr) hoVw Vrd YZofU H$s gw{dYm h&
~H$ Zo ~rAmoAmB {{` EZAma {S>nm{OQ> H$s H$m Ama^ {H$`m h&
15
/ BANK OF INDIA
~H$ Zo moQ> E{${e`Q> ~H$ AQ>> Amb ~g BZ Ho$`m $ma {X B`a 2012
qWH$ {~OZog VWm ~og ~H$ AdmS> $ma AmBgrQ>r m {H$`m&
31 mM, 2014 VH$ {dXoer emImAm| H$s Hw$b Omam{e `1,13,384 H$amoS> ahr Omo
{nN>bo df H$s VwbZm | `25,611 H$amoS> (29%) H$s d{ XO H$s& Hw$b A{J
` 1,11,969 H$amoS> ahm {OgZo {nN>bo df na ` 23,022 H$amoS> (26%) H$s [aH$mS>
d{ XO {H$`m& {Zdoe ` 5,661 H$amoS> ahm& {dXoer emImAm| H$m n[aMmbZ bm^
mM, 2014 Ho$ AV | ` 1431 H$amoS> ahm {Og| {nN>bo df na ` 250 H$amoS> H$s
d{ XO {H$`m& mM 2013 H$s VwbZm | Hw$b bm^ | `669 H$amoS> d{ hB& d{H$
H$mamo~ma VWm bm^ Ho$ `moJXmZ Ho$ AZwgaU | {dXoer emImAm| Zo d{H$ H$mamo~ma
| 26.41% `moJXmZ {X`m, n[aMmbZmH$ bm^ VWm Hw$b bm^ 31.03.2014 H$mo
gm df | H$e: 16.99% VWm 24.51% ahm&
~w{b`Z ~qH$J
~H$ Zo Zd~a, 1997 | ~w{b`Z ~qH$J Ama^ {H$`m& Ama^ | `h `moOZm {gO VWm
AhXm~mX | Ama^ H$s JB VWm ~mX | A` emImAm| | bmJy H$s JB& AmO H$s
{V{W VH$ `{n 9 emImE ~w{b`Z H$mamo~ma H$aZo Ho$ {bE A{YH$V h VWm Ho$db 4
emImE H$mamo~ma H$a ahr h& gmoZo Ho$ {Z`mVH$m| VWm Kaoby gwZmam| Ho$ {bE H$gmBZoQ
Ho$ $n | gmoZm m {H$`m J`m& ~H$ Zo df 2013-14 | 16,159 {H$bmo gmoZm ~oMm
VWm Hw$b {~H$s ` 4,179 H$amoS> H$s ahr {Og| go ` 60 H$amoS> H$m bm^ ahm& df Ho$
XmamZ Am | 47.70% d{ ahr&
$maog H$mamo~ma
{Z`mVH$m| VWm Am`mVH$mo Ho$ {dXoer {d{Z` H$s O$aVm| Ho$ n[ao` | ~H$ mam
g^mbo JE $moaog H$mamo~ma | AN>r Imgr d{ n[ab{jV hB h& df 2013-14
Ho$ XmamZ, M]Q> Ama BQ>a ~H$ Q>ZAmoda H$e: ` 203,720 H$amoS> Ama ` 499,187
H$amoS> Wm& ~H$ $maog H$mamo~ma | AJUr bo`a ahm h& df Ho$ XmamZ ~H$ H$s
H$mofmJma emIm H$m Hw$b Q>ZAmoda ` 702,907 H$amoS> Wm&
QoOar {Zdoe
~|MmH$ 10 df gaH$mar {V^y{V na Am` Omo 31 mM, 2013 H$mo 7.96 % Wr,
`Wm {XZmH$ 31.03.2014 H$mo 8.80 % ~T> J`r& `{n df Ho$ XmamZ gaH$mar
{V^y{V`m| H$s Am` A`{YH$ ApWa ahr VWm `h 7.089 % go 9.473 % H$s
{dVV Xm`ao | ahr& hmao ~H$ Zo `mO Am` VWm ~mOma OmopI Ho$ ~rM gVwbZ
H$m` aIVo hE {Zdoe Ho$ C Va ~ZmE aIo& hmao ~H$ Zo {Zdb mJ Ed {`mXr
Xo`VmAm| H$s 23% H$s {d{Z`mH$ O$aVm| go A{YH$ C Va Ho$ EgEbAma {Zdoe
~ZmE aIm h Vm{H$ A{V[a$ EgEbAma aonmo/ gr~rEbAmo qdS>mo go CYma Ho$ {bE
`moJ {H$`m Om gHo$& hmao Hw$b AmYma na EgEbAma {Zdoe ` 91,943 H$amoS>
(Hw$b {Zdoe H$m 87.66%) VWm Ja EgEbAma {Zdoe ` 12941 H$amoS> (Hw$b {Zdoe
H$m 12.84 %) ahm& Bg g~Y | `mnH$ Zr{V Ho$ AZw$n {Zdoe {H$E JE h {OgHo$
~mOma H$s J{V{d{Y`m| / {d{Z`mH$ AnojmAm| Ho$ AZw$n Zr{V H$s Amd{YH$ grjm
H$s OmVr h&
QoOar n[aMmbZ
df 2013-14 Ho$ XmamZ ~H$ Zo ~mOma Ho$ g^r jom| AWmV {Z{Y`m|, $maog> VWm
~mS> | g{H$` ^y{H$m {Z^mB h& gaH$mar {V^y{V`m| H$s Xa J{V{d{Y go bm^ boVo
hE ~H$ Zo AnZo {Zdoe g{d^mJ H$mo gwYmam VWm {V^y{V`m| H$s {~H$s Ed `dgm`
go bm^ A{OV {H$E& ~H$ Zo df 2012-13 H$s VwbZm | {dmr` df 2013-14
| {V^y{V`m| H$s {~H$s go bm^ | 78.08 % d{ XO H$s& ~H$ Zo {d{dY ~mOma
jom| Ho$ ` AVanUZ Adga H$m bm^ CR>m`m h {Oggo Om mU-n (grS>r),
{dXoer {d{Z` dn H$s IarX/{~H$s, {`mXr wm ~mOma | A{YH$ n`m {Z{Y
aI nm`m {Oggo 1.00% go 1.50 % H$m {dVma hAm& ~H$ Zo ""Q>r'' {~bm| VWm
A{V[a$ {V^y{V`m| Ho$ {d gr~rEbAmo/aonmo | CYma boH$a grS>r | ` 364 H$amoS>
H$m nmoQ>$mo{b`mo V`ma {H$`m h {Oggo AZwmZV: 0.25 % go 0.75 % H$m {dVma
m$ hAm h&
/ BANK OF INDIA
~H$ Zo {dmr` gmdoeZ H$mo hm~YH$ Ho$ ZoVd | EH$ ZE H$mamo~mar BH$mB Ho$
n | V`ma {H$`m h {Og| ~moS> mam AZwmo{XV {dmr` gmdoeZ `moOZm h& ~H$ Zo
H$mamo~mar gn{H$`m| Ed AmBgrQ>r AmYm[aV hS> Ym[aV CnH$aUm| (mBH$mo EQ>rEm|) Ho$
m` go 40160 Jmdm| H$mo ~qH$J godmE wh`m H$amZo Ho$ {bE {V~ h& ~H$ Zo
AV{Z{hV AmodaSmQ> gw{dYmAm| dmbo Zmo {$b AH$mCQg Ho$ m` go 125 bmI
gH b mW{H Vm (` H amoS )
H {f
H {f
` 27041
(32.91%)
CnH
` 28913
(35.19%)
{ejm
` 2329
(2.83%)
` 35504
(43.29%)
Jh
{ejm
` 6790
(8.26%)
` 2597
(3.17%)
mM '13
8. gy {dm/gy F$U Ama {hbmAm| H$mo F$U
gy F$U H$s `moOZm Jar~m| H$mo Jar~r Ho$ Va go D$na CR>mZo Ho$ {bE Ch| ~T>o hE
d-{Z`moOZ Adga XmZ H$a Ch| F$U boZo `mo` ~ZmZo Ho$ {bE EH$ ^mdembr
gmYZ Ho$ $n | nmB JB h& ~H$ {hbmAm| H$mo F$U XoZo | g{H$`Vm go g^m{JVm H$a
ahm h Ama mW{H$Vm jo Ho$ VhV ` 10,502 H$amoS> H$m ~H$m`m Va XO {H$`m h
{Og| ` 787 H$amoS> gy F$U Ho$ VhV h&
9. gma D$Om Amdmg H$me Umbr
{~Obr H$s g`m go {ZnQ>Zo Ho$ {bE ~H$ Zo gma COm Amdmg {~Obr Umbr H$s
`moOZm H$m Ama^ {H$`m h& gma D$Om Amdmg H$me Umbr H$s IarX VWm gWmnZ
Ho$ {bE ^mdr CYmaH$VmAm| H$mo ~H$ {dmr` ghm`Vm XmZ H$a ahm h& ` 8.50 H$amoS>
Ho$ {dmr` n[a`` g{hV ~H$ Zo A~ VH$ 2456 BH$mBm drH$V H$s h&
10. Z`m H${f CnmX :
H$fH$m| H$s F$U g~{YV Amd`H$VmAm| H$mo nyam H$aZo Ama H${f F$U H$mo ~T>mZo Ho$
{bE 6 ZE H${f CnmX Ama^ {H$E JE 1) H${f JmoS>/ {gda F$U 2) {H$gmZ
Amb nng bmoZ 3) EQ>oQ> nM}g bmoZ 4) {H$gmZ VH$mb `moOZm 5)nM}g Am$
aryE~b EZOu H$sg gmoba hmo bmBqQ>J {gQ>, gmoba nn goQ> Ama gmoba dmQ>a
hrQ>a VWm 6) nM}g Am$ bS> $ma EJrH$Mab nng 11. AJUr ~H$ Xm{`d :
nmM am`m| `Wm PmaIS> (15), hmam> (14), ` Xoe (13), Cma Xoe (7)
VWm CS>rgm (2) | $bo 51 {Obm| H$s AJUr ~H$ H$m Xm{`d ~H$ Ho$ nmg h& BZ
g^r AJUr {Obm| | ~H$ g$bVmnydH$ AnZr godmE XmZ H$a ahm h& ~H$ Ho$ {bE
` 10,581 H$amoS> H$m F$U `` em{b H$aVo hE g^r AJUr {Obm | df 2013-14
Ho$ {bE {bE dm{fH$ F$U `moOZm (Egrnr) bmJy H$s JB& ~H$ H$s CnbpY ` 10,672
H$amoS> ahr Omo dm{fH$ F$U `moOZm CnbpY H$m 100.86 % h&
~H$ H$mo PmaIS> am` | EgEb~rgr H$mo AJUr ~H$ g`moOH$ Ho$ $n | nXZm{V
{H$`m J`m h&
{dmr` gmdoeZ
Xoe Ho$ XrKH$m{bH$ {dH$mg VWm {dVV {dH$mg {H$`m H$m {dmr` gmdoeZ
EH$ A{Zdm` nj h& {dmr` gmdoeZ H$mo `dhm` H$mamo~mar Vmd gPVo hE
{dnUZ A{^wI nhb H$mo AnZmVo hE {dmr` gmdoeZ | Hy$Q>Zr{V Ho$ n[adVZ h&
{VmZ {Z:gXoh grEgAma go Am{WH$ `dhm`Vm | n[ad{VV hAm& {dmr` jo
mam Amd`H$ gwa{jV Ama ^mdembr T>J go H$ bmJV boZXoZ AmBgrQ>r AmYm[aV
gm`yeZ H$s CnbYVm go g^d hmo gH$m h& Xm{`d Ho$ ~OmE gnm Adga Ho$
mam ~H$ `m{eV ~qH$J godmE H$mo XoI ahm h&
` 39071
(43.98%)
CnH
Jh
` 7517
(9.16%)
mM '14
bmoJm| H$mo OmoS>m h& Eogm CZH$mo VwaV Cn`moJ g~Yr O$aVm| Ama nm bmoJm| H$mo C
Ho${S>Q> XmZ H$aZo Ho$ {bE {H$`m J`m h Vm{H$ do n`m Or{dH$m A{OV H$a gH|$&
BgHo$ Abmdm dmgr OXyam|/d` {Z`mo{OVm| H$mo mo~mBb AmYm[aV YZofU gw{dYm
^r wh`m H$am`r J`r h Vm{H$ do AnZo n[adma Ho$ gX`m| H$mo YZam{e ^oO gHo$ Ama
A` godmAm| Ho$ gmW-gmW mBH$mo B`moa|g g{hV ~H$ Ho$ WS> nmQ>u CnmXm| VH$
AnZr nhM aI gH|$& ~H$ gaH$ma H$s Ho$r`/am` gaH$mam| Ho$ S>m`aoQ> ~o{Z{$Q>
Qmg$a `moOZm H$mo ^mdr T>J go nyam H$a ahm h&
~H$ Amd`H$ ^wJVmZ Ama A` AmYma^yV gaMZm ghm`Vm XoVo hE bm^mWu Ho$
ImVo | grYo bm^ AVaU Ho$ {bE Ho$r`/am` gaH$mam| Ho$ S>m`aoQ> ~o{Z{$Q> Qmg$a
`moOZm H$mo ^mdr T>J go nyam H$a ahm h&
{dmr` gmdoeZ `moOZm (E$AmBnr) 2013-14 Ho$ AVJV J{V {ZZmZwgma h :
l Imobo JE ~o{gH$ ~MV ~H$ ImVm| H$s g`m
: 107.28 bmI
l Omar mQ> H$mS>m] H$s g`m
: 22.68 bmI
l Omar Orgrgr/Ho$grgr
: 22.10 bmI
l bJmE JE H$mamo~ma gnH$r
: 6072
l bJmE JE MZb ~YZ gmPoXma
: 105
l Jmdm| H$s g`m Ohm 100% {dmr` gmdoeZ m : 14060
~H$ Zo 31.03.2014 VH$ 2000 go A{YH$ OZg`m dmbo gV 4404 Am~{Q>V
Jmdm| | 100% {dmr` gmdoeZ H$m b` m$ {H$`m& n`m OmopI emH$m|
Ed gdm}m WmAm| dmbr ~ohVarZ n[aMmbZ Um{b`m ~Zm`r JB h Ama Ab |
bmB Om aht h&
Q>ma damoOJma {ejU gWmZ (Ama>goQ>r)
JmrU `wdmAm| Ho$ ~rM ~oamoOJmar H$s g`m go {ZnQ>Zo Ho$ Co` go ~H$ Zo df
2005 | Q>ma dmamoOJma {ejU gWmZ (EgEgnrEg) ZmH$ g{nV QQ> H$s
WmnZm H$s nhb H$s& QQ H$s WmnZm Ho$ VH$mb ~mX Xmo EgEgnrEg (Ama>goQ>r)
H$s WmnZm ^monmb Ed H$mohmnwa | H$s JB& ^maV gaH$ma Ho$ JmrU {dH$mg mb`
Zo Bg nhb H$mo y`dmZ mZm VWm Bg H$ma H$s gWmAm| H$s WmnZm Xoe Ho$
`o>H$ {Obm| | JmrU jom| Ho$ JmrU ~rnrEb `wdmAm| H$mo Vbme hoVw mogmhZ
XoZo H$m Vmd {X`m& WmnZm, A{^YmZ, m`moOZ, ~YZ H$m`H$ gaMZm, Q>m$
Ed emgZ, EAmBEg n[a^m{fV {H$E JE& ~H$ H$mo gWmAm| H$s WmnZm hoVw 43
H|$ Am~{Q>V {H$E JE& ~H$ Zo Eogr 43 gWmE PmaIS>, CS>rgm, Cma Xoe, `
Xoe, hmam> VWm n{ ~Jmb | Wm{nV H$s h& BZ H|$m| | 25,308 Ho${S>Q> BnwQ>
Ho$ gmW Bg VmarI VH$ 57,676 {V^m{J`m| H$mo {ejU {X`m Om MwH$m h& ~H$ Zo
17
/ BANK OF INDIA
amMr (PmaIS>), ~mam~mH$s (Cma Xoe), ^monmb (` Xoe), noZ (hmam>) VWm
~obJmd (H$ZmQ>H$m) | mW{H$ dm na `mZ, d`H$ gmjaVm, {dVV {dmr`
nhM VWm d{ H$s `moOZm, {g{db gmo`m`Q>r gWmAm| H$mo gwT> H$aZm, n`mdaUr`
pWaVm B`m{X | EgEgnrEg (AmagoQ>r) Ho$ H$m`jo | {dVma hoVw nmM EH$sH$V
EgEgnrEg (Ama>goQ>r) H$m {dVma/Wm{nV H$aZo H$s `moOZm ~ZmB h& ~H$ BZ jom|
| `mnH$ MwZm{V`m| H$m gmZm H$aZo hoVw npbH$, {ZOr Ed gmm{OH$ jo Ho$ {d{dY
ggmYZm| H$mo gmW bmZo Ho$ b` go aUZr{VH$ gmPrXmar H$aZm MmhVm h Ama Bgo
~T>mZm MmhVm h&
{dmr` gmjaVm Ed F$U nameu H|$ (A^`)
~H$ Zo X{ZH$ AmYma na pV {dm go g~{YV mbm| na {dmr` `dVu gWmAm|
Ho$ gmW {dmr` `dhma H$s O{Q>bVmAm| Ho$ y`mH$Z hoVw Am AmXr H$mo {dmr`
gmjaVm XoZo H$s Amd`H$Vm H$mo gPm h& AmJo, Omo F$U Ho$ A~YZ Ho$ H$maU
{dmr` g`mAm| H$m gmZm H$a aho h Ch| ^r {Xdm{b`mnZ Ed MwH$mVr Xm{`d
go ~mha {ZH$bZo hoVw F$U name H$s AmdH$Vm h Vm{H$ CZH$s {dmr` ~YZ
| gwYma hmo gHo$& Bg n[ao` | ~H$ Zo 5 (nmM) F$U nameu H|$ A^` Zm go
w~B, dYm, Jwbm, H$mobH$mVm Ama Mo | Imobo h {OZH$m H$m` d[a> Ed AZw^dr
~H$am| mam XoIm Om ahm h&
A^` H$s gH$nZm H$mo {dVma XoVo hE ~H$ Zo ^maVr` [aOd ~H$ Ama Zm~mS> Ho$
mJXeZ Ho$ AZwgma 54 {dmr` gmjaVm Ho$ Imobo h&
`dpWV CYmaH$VmAm| Ho$ {bE AbJ-AbJ mbm| hoVw CnMmamH$ name Ho$
Abmdm, {{S>`m, H$m`embm Ed go{Zma Ho$ m` go {ZdmaU name ^r {X`m Om
ahm h& A~ VH$ name Ho$ 206357 mbo {bE JE {OZH$m {ZdmaU VH$mb H$aHo$
`{WV CYmaH$VmAm| Ho$ Moham| na wH$mZ bmB JB&
jor` JmrU ~H$ (AmaAma~r)
~H$ Zo 4 (Mma) jor` JmrU ~H$ (AmaAma~r) PmaIS> JmrU ~H$ (PmaIS>),
Am`dV jor` JmrU ~H$ (Cma Xoe), ZXm Pm~wAm JmrU ~H$ (` Xoe)
VWm {dX^ H$m|H$U JmrU ~H$ (hmam>) | m`mo{OV {H$E h& g^r AmaAma~r bm^
A{OV H$a aho h& gV emImE Ama emg{ZH$ H$m`mb` H$mamo~ma Ho$ gmW gr~rEg
Ho$ AYrZ bmB JB h& `h ~H$ AmaQ>rOrEg EZBE$Q>r Ama EQ>rE godmE XoZo | gW
h& gV AmaAma~r H$m emIm {dVma 1524 h {Ohm|Zo ` 30,891.30 H$amoS> H$m
{{lV H$mamo~ma {H$`m h&
Hw$N> hdnyU nhb|
am>r H$me {dH$mg {ZJ (EZEgS>rgr) n[amoOZm hoVw ~rgr ZoQ>dH$ H$m
CnmoJ
AmYma H$mS> nOrH$aU - AXm{OV 350 bmI gnyU
nwaH$ma
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E$AmB o VH$ZrH$s nhbm| Ho$ {bE {$g 2013 nwaH$ma
BXma hmZJanm{bH$m H$s n[amoOZm gj Ho$ gwV am> Ed AnZo H$mnm}aoQ>
~rgr Ho$ gmW gwV AZwnmbZ hoVw AmBQ>ry nwaH$ma
IwXam F$U
df 2013 -14 Ho$ XmamZ ~H$ Zo O~yV [aQ>ob F$U g{d^mJ ~ZmZo H$s Zr{V H$m
AZwerbZ {H$`m& {dmr` df 2013-14 Ho$ Xr nmV Ad{Y | AW`dWm Ho$
nwZWmZ | [aQ>ob Ho${S>Q> Ho$ Adga XmZ {H$E& ~H$ H$m [aQ>ob Ho${S>Q> nmoQ>$mo{b`mo
`Wm 31 mM, 2014 H$mo ` 22350 H$amoS> go ~T>H$a ` 29,600 H$amoS> hmo J`m& df
Ho$ XmamZ [aQ>ob Ho${S>Q> H$s naoIm H$m {$a go n[a{Z` {H$`m J`m& ~H$ Zo [aQ>ob hmo
bmoZ/gn{m Ho$ {Z{m F$U H$s mogoqgJ Ama JR>~YZ `dWm Ho$ mbo | dmhZ
F$Um| Ed ej{UH$ F$U Vmdm| H$s mogoqgJ H$mo ^r Vrd H$aZo Ho$ {bE Xoe Ho$ ~S>o
eham| | 23 Ama~rgr Wm{nV {H$E h& hmo bmoZ IS> | 27 % H$s d{ XO H$s J`r
{OgHo$ $bd$n `o F$U (mM 2013) Ho$ ` 10,267 H$amoS> go ~T>H$a (mM 2014)
| ` 13081 H$amoS> hmo JE& ~H$ Zo {~S>am| Ho$ gmW JR>~Y H$aZo Ho$ {bE yb^yV
{Xem{ZX}e V`ma {H$E h Vm{H$ `h gw{Z{V hmo {H$ JR>~YZ `dWmE Ho$db AN>m
QH$ [aH$mS> aIZo dmbo {~S>am| Ho$ gmW hr hmo& AmM{bH$ ~YH$m| H$mo `o A{YH$ma {XE
JE h {H$ do WmZr` Va na {V{>V {~S>am| Ho$ gmW JR>~YZ H$a|& ej{UH$ F$Um| |
^r 10 {VeV H$s d{ XO H$s J`r Ama Bg df Ho$ XmamZ ` 2412 H$amoS> go ~T>H$a
` 2,652 H$amoS> hmo JE& ~H$ Zo `mO gpgS>r H$s H$mo ^r AJrH$ma {H$`m h {Og|
do CYmaH$Vm {Ohm|Zo df 2013 -14 Ho$ ej{UH$ df Ho$ XmamZ ej{UH$ F$U {b`m
h Ama Am{WH$ $n go H$Omoa dJ go h, ZmoS>b ~H$ Ho$ O[aE ^maV gaH$ma, mZd
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Ho$ VhV ~rAmoAmB Q>ma {dm F$U H$mo nwZ: n[a^m{fV {H$`m h Vm{H$ AmBAmBQ>r/
AmBAmBE/EZAmBS>r B`m{X Ogo Xoe Ho$ wI ej{UH$ gWmZm| | doe boZo dmbo
{dm{WAm| H$s Amd`H$VmAm| H$mo nyam {H$`m Om gHo$&
dmhZ F$U | ^r 15% H$s d{ XO H$s J`r {Oggo do Bg df Ho$ XmamZ ` 2,037
H$amoS> go ~T>H$a ` 2,351 H$amoS> hmo JE& {d{^ {V{>V AmQ>mo {d{ZmVmAm| Ogo
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gmW JR>~Y `dWm H$s H$m`Zr{V AmQ>mo{$Z nmoQ>$mo{b`m| H$mo ~T>mZo Ho$ {bE AN>r
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`moOZm
31.03.2013 31.03.2014 JmoW Ed JmoW %
Q>ma Jh F$U `moOZm
10267
13081
2814 / 27%
Q>ma {ejm F$U `moOZm
2412
2652
240 / 10%
Q>ma dmhZ F$U `moOZm
2037
2351
314 / 15%
Q>ma ngZb F$U `moOZm
779
927
148 / 19%
Q>ma ~YH$ F$U `moOZm
2007
2971
964 / 48%
EgEB
df 2013-14 Ho$ XmamZ EEgEB IS> Ho$ AVJV ~H$ H$m H$m`{ZnmXZ AnojmZw$n
Wm& Bg XmamZ ~mOma | F$U hoVw gmm`V: mJ H$ Wr {$a ^r hZo df Xa-df
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H$mamo~ma hoVw ZE d{Q>H$b H$m gOZ, {V~ gog $mog `w$ {deofrH$V gH$aU
H$jm| H$s WmnZm Am{X H$s dOh go AN>o n[aUm AmZo bJo h Ama Bg jo H$mo
F$U XmZ H$aZo | BZ {ZU`m| H$m hdnyU `moJXmZ ahm h&
EEgEB Ho$ VhV ~H$ H$m H$m` {ZnmXZ
{~OZog JmoW:-EEgEB AmCQ>Q>pS>J ` 45,081 H$amoS> df -Xa- df
21.04% H$s JmoW XO H$s&
EEgB Ho$ VhV H$m` {ZnmXZ : EEgEB AmCQ>Q>pS>J ` 38,686 H$amoS
df -Xa- df 21.15%. H$s JmoW XO H$s&
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EEgB | mBH$mo goQ>a H$m eo`a mM 2013 H$s `Wm pW{V 49.54% go
WmoS>m KQ>H$a `Wm mM, 2014 H$mo 47.69% hmo J`m&
mBH$mo ImVm| H$s g`m | d{ : df 2013-14 Ho$ XmamZ mBH$mo goJ|Q>
Ho$ AVJV 93,903 ImVo Oya {H$E JE {OgHo$ $bd$n A{Zdm` 10% d{
Ho$ b` Ho$ {Z{m `Wm 31.03.2013 H$mo ImVm| H$s g`m | 18.60% H$s
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grOrQ>rEEgB Ho$ VhV ~H$ H$m H$m` {ZnmXZ df 2013-14 Ho$ XmamZ
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18
/ BANK OF INDIA
nrEBOrnr Ho$ VhV ~H$ H$m H$m` {ZnmXZ df 2013-14 Ho$ XmamZ
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19
/ BANK OF INDIA
~H$ Ho$ nmg {d{^ H$ma Ho$ So>{~Q>-gh-EQ>rE H$mS> h& 01.04.2013 go
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/ BANK OF INDIA
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/ BANK OF INDIA
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25
/ BANK OF INDIA
~H$ Zo 1993 gmm` ~qH$J A{YH$m[a`m| Ama 3995 {b{nH$s` Q>m$ H$s ^Vu hoVw,
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/ BANK OF INDIA
hmar Jh-n{H$m Zo 2013 Ho$ XmamZ H$B {V{>V gWmAm| go nwaH$ma m {H$E
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27
/ BANK OF INDIA
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{d^mJm| H$mo {ZZ{bpIV OmZH$mar VwmV H$aVm h :
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VwV {H$`m OmVm h;
ii. ~moS> H$mo So>[ado{Q>g Ho$ g~Y | m{gH$ [anmoQ>;
iii. ~H$ Ho$ gj AZwnmbZ OmopI na m{gH$ ZmoQ> gdm} ~YZ H$mo VwV
H$aZm;
iv. Ho$dmBgr/EEEb/grE$Q>r | {bE JE wI nhbm| na m{gH$ ZmoQ> ~moS> H$mo
VwV H$aZm&
v. m{gH$ AmYma na ^maVr` [aOd ~H$ mam Omar n[anm| H$m gmame Ama CgH$m
AZwnmbZ ~moS> H$mo VwV H$aZm;
vi. {dXoer Ho$m| go m KmofUmAm| Ho$ AmYma na {dXoer Ho$m| | {d{^ {d{Z`mH$
O$aVm| H$m nmbZ {H$`m Om ahm h, Bg g~Y | C ~YZ H$mo m{gH$
mUn;
~moS> H$mo ~H$ Ho$ AZwnmbZ H$m` na {Vmhr [anmoQ> VwV H$aZm;
AMbm| go AZwdVu H$madmB/gwYma Ho$ {bE AZwnmbZ MyH$ Ho$ CXmhaU
YmZ H$m`mb` Ho$ {d^mJm| H$mo XoZm;
ix. ~moS> H$s boIm narjm g{{V H$mo {Vmhr AmYma na ^maVr` [aOd ~H$ mam
Omar {d{^ n[anm| /AZwXoem| na ~H$ H$m AZwnmbZ VwV H$aZm;
x. ~moS> H$s boIm-narjm g{{V H$mo Ho$dmBgr/EEEb/grE$Q>r Ho$ H$m`md`Z
grjm H$s {Vmhr [anmoQ> VwV H$s OmVr h&
xi. Ama~rAmB mam {d{Z{X> H$boS>a Am$ [a`y H$s {ZJamZr Ama ~moS> H$mo Bg na
{Vmhr AmYma na [anmoQ> VwV H$aZm&
xii. H$bm`g $eZ nm{bgr Ho$ nam 12 (xii) Ho$ AZwgma, {d^mJ AnZr
H$m`mH$Vm na EH$ dm{fH$ [anmoQ> ~moS> H$mo VwV H$aoJm&
{d^mJ H$mo ~H$ | AnZo JmhH$ H$mo Om{ZE/YZemoYZ {ZdmaU Cnm`/grE$Q>r
{Xem{ZXem| H$mo bmJy H$aZo/{ZJamZr aIZo H$s {OoXmar ^r Xr JB h& ^maVr` [aOd
~H$ Ho$ {ZXoemZwgma {d^mJ Zo g^r dVmZ ImVm| | Ho$dm`gr mZXS> Ho$ AZwnmbZ
H$mo gw{Z{V H$aZo H$m H$m J^raVm go {b`m h& {$ZoH$b {gQ> | `oH$ ImVo |
Ho$dmBgr pW{V H$mo ZmoQ> H$aZo Ho$ {bE AbJ A{Zdm` {$S> S>mbm J`m h& g^r
emImAm| | Ho$dmBgr AZwnmbZ Z {H$E JE ImVm| H$mo nhMmZZo, Ho$dmBgr XVmdoO
m H$aZo VWm {$ZoH$b {gQ> H$mo C{MV n go AVZ H$aZo H$s {H$`m Mb ahr
h&
YZemoYZ {ZdmaU A{Y{Z`, 2002 (nrEEb A{Y{Z`) Ho$ Cn~Ym| Ho$ AZwgma
Ama CgHo$ AVJV ~ZmE JE {Z`m| Ama Ho$dmBgr Ho$ g~Y | ^maVr` [aOd ~H$
mam Omar {Xem{ZX}em| Ho$ AZwgma emImE, JmhH$m| Ho$ ghr nhMmZ Ho$ {bE ZdrZV
$moQ>moJm$, nhMmZ H$m mU VWm dVmZ nVo H$m mU m H$a ahr h& H$ Am`
gyh Ho$ `d{$`m| Ho$ ImVo ImobVo g` gabrH$V Ho$dmBgr mZXS> ew {H$E JE
h& g^r JmhH$m| H$mo OmopI YmaUm Ho$ AmYma na C, ` d `yZ OmopI dJ
| dJuH$V {H$`m J`m h& dVmZ Ama~rAmB Ho$ {Xem{ZX}em| Ho$ AZwgma OmopI
dJuH$aU H$s grjm `oH$ N>h hrZo | H$s OmZr Mm{hE& 30.09.2012 go AY
df H$s gmr go ImVm| H$s OmopI dJuH$aU H$s grjm H$mo YmZ H$m`mb` |
Ho$r`H$V H$a {b`m J`m h&
~H$ Zo YZemoYZ {ZdmaU A{Y{Z`, 2002 Ho$ mdYmZm| Ama CgHo$ gemoYZm| H$mo
{ZZm Zwgma H$m`mpdV {H$`m h:
1. q{gnb A{YH$mar H$s {Z`w{$ H$s JB h (w` AZwnmbZ A{YH$mar hr
YZemoYZ [anmo{Q>J A{YH$mar EEbAmaAmo h);
2. ~H$ {dmr` AmgyMZm BH$mB-^maV (E$AmB`y-AmBEZS>r), ZB {Xr H$mo
`10 bmI go A{YH$ Ho$ g`dhma Ho$ g~Y | m{gH$ H$e QmOeZ [anmoQ>
(grQ>rAma) VwV H$a ahm h;
3. ~H$ EZnrAmo Ho$ ImVm| | `10 bmI go A{YH$ AWdm CgHo$ gVw` {dXoer
wm Ho$ Om Ho$ g~Y | m{gH$ ZmZ-mo{$Q> AmaJZmBOoeZ QmOeZ [anmoQ>
(EZnrAmoQ>rAma) VwV H$aVm h;
4. ~H$ E$B`y-AmBEZS>r H$mo nhMmZ hmoZo na, g{XY gdhma [anmoQ> (EgQ>rAma)
VWm Ombr H$a|gr [anmoQ> (grgrAma) ^r VwV H$aVm h;
5. nrEEb A{Y{Z` Ho$ mdYmZm| Ho$ AZwgma [aH$mS>m] H$m n[ajU VWm aIaImd;
6. H$mg ~mS>a dm`a Qmg$a na E$AmB`y-AmBEZS>r Zo Z`m [anmoQ> Ama^ {H$`m h
AWmV ` 5 bmI go A{YH$ AWdm {dXoer wm | CgHo$ gVw` H$mg ~mS>a
dm`a Qmg$a na m{gH$ [anmoQ>; ~H$ Bgo ^oOZo Ho$ {H$`mYrZ h&
YZemoYZ {ZdmaU A{Y{Z` Ho$ AVJV g{XY g`dhmam| H$mo A{^{ZYm[aV H$aZo Ho$
{bE ~H$ Zo EQ>r Zr bmS>[aJ gmQ>do`a (EEEbAmogrHo$) m {H$`m h& ~H$ Zo
H$m$s gmao AmB~rE AbQ>> {gZoarAmo ^r AnZmB Om ahr h& 30.06.2014 VH$ eof
{garAmo ^r H$m`mdZV {H$E OmEJo& AmgVZ `h gmQ>do`a {V{XZ H$ar~ 30,000
AbQ>g (AmB~rE Ho$ AbQ> {gZoarAmo Ho$ H$m`md`Z Ho$ ~mX) OoZaoQ> H$aVr h& {d^mJ
mam BZ AbQ>m] H$s OmM H$s OmVr h& Ohm ^r Amd`H$Vm hmo AMbm|/emImAm|
Ho$ gmW AZwdVu H$madmB H$s OmVr h Ama `{X AMb/emIm Ho$ n>rH$aU go ~H$
gVw> Zhr ht h Vmo E$AmB`y AmBEZS>r H$mo gXrY g`dhma [anmoQ> (EgQ>rAma)
XO H$aVr h&
viii. g~{YV
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/ BANK OF INDIA
{d^mJ YmZ H$m`mb` Ho$ g^r {d^mJm| Ho$ ~rM gd` H$aHo$ ^maVr` [aOd ~H$
mam dm{fH$ {dmr` {ZarjU (EE$AmB) Ho$ H$m` H$s XoI^mb H$aVr h& EE$AmB
[anmoQ>m} H$s OmM H$s OmVr h VWm ^maVr` [aOd ~H$ H$mo AZwnmbZ VwV H$s OmVr
h& df 2012-13 go Ama~rAmB Zo EE$AmB Ho$ ~Xbo OmopI AmYm[aV n`dojU
(Ama~rEg) Ama^ {H$`m h& df 2012-13 Ho$ {bE Ama~rEg 16.12.2013 H$mo
Ama^ H$s JB VWm 25.02.2014 H$mo gm H$s JB& 28.03.2014 H$mo `h [anmoQ>
m{ H$s JB& ~H$ Bg| Xr JB {Q>n{U`m| na Cma V`ma H$a ahm h&
g^r {Z`H$ EOopg`m| H$m ~H$ go gnH$ Ho$ {bE `h {d^mJ EH$b gnH$ {~Xw h&
gVH$Vm
{dm mb` VWm Ho$r` gVH$Vm Am`moJ H$s gh{V go {Z`w$ hm~YH$ loUr
Ho$ w` gVH$Vm A{YH$mar ~H$ H$s gVH$Vm `dWm Ho$ wI h& g^r gVH$Vm
mbm| | AZwemg{ZH$ m{YH$m[a`m|/{Z`H$ m{YH$m[a`m| H$mo gbmh XoZo Ho$ {bE
grdrAmo H$mo Eogo A{YH$m[a`m| H$s ghm`Vm m h {Oh| AdofU Ama AZwemg{ZH$
H$madmB Ho$ mbm| Ho$ gmW-gmW ~qH$J H$m kmZ/ BZ jom| | H$m` H$aZo H$m AZw^d
h& gVH$Vm {d^mJ, {ZdmaH$ gVH$Vm Cnm`m| Ho$ Mma-gma H$m ^r `mZ aIVm h&
Bg g~Y | gVH$Vm mbm| na H$m` H$aZo Ho$ {bE ~H$ mam nmM dV gVH$Vm
`w{ZQ>g ~ZmE JE h&
YmoImYS>r OmopI ~YZ
YmoImYS>r OmopI ~YZ {d^mJ Ho$ w` H$m` h:
YmoImYS>r H$s [anmo{Q>J Ama {ZJamZr
YmoImYS>r na Ho$r`H$V So>Q>m H$m aIaImd
{H$E JE VWm `mg {H$E JE YmoImYS>r H$m {dcofU
YmoImYS>r | {Z{hV aH$ H$m mdYmZrH$aU Ama boImH$Z
YmoImYS>r {ZdmaH$ na {ejU Ho$ O[aE Q>m$ H$mo gwJmhr ~ZmZm&
~H$ Ho$ {bE E$AmaE Zr{V V`ma H$aZm Ama {H$`md`Z H$aZm&
YmZ H$m`mb` | YmoImYS>r Ho$ Q>mH$ $mog H$s ~R>H$ Am`mo{OV H$aZm&
YmoImYS>r ImVm| | dgybr Ho$ {bE AZwdVu H$madmB H$aZm&
{gQ>, H$m`{d{Y`m| Ama WmAm| H$s H${`m {OgHo$ H$maU YmoImYS>r hmo ahr
h Ch| ~X H$aZm&
n[anm|/AZwXoem| Ho$ O[aE YmoImYS>r H$s H$m`-Umbr Ama KQ>Zo Ho$ H$maUm| H$s
OmZH$mar XoZm Vm{H$ Cg H$ma Ho$ YmoImYS>r H$mo nwZ: KQ>Zo go amoH$m Om gHo$&
YmoImYS>r Ho$ H$maU hE ZwH$gmZ Ho$ ~rm Xmdm go g^r njm| H$m ~YZ&
AmamABEEg, EH$ ~m EbrH$eZ, H$s ghm`Vm go OoZaoQ> {H$E JE AbQ>
H$s AmZbmBZ {ZJamZr
{ZarjU VWm boIm narjm
df 2013-14 Ho$ XmamZ {d^mJ mam emImAm|, H$a|gr MoQ> , {S>nm{OQ>ar gh^m{JVm
H$m`mb` | OmopI AmYm[aV AmV[aH$ boIm narjm, gyMZm Umbr boIm narjm
VWm amOd boIm narjm H$s JB Ama YmZ H$m`mb` {d^mJm|, AmM{bH$ H$m`mb`m|,
AmM{bH$ boIm narjm H$m`mb`m|, Q>m$ {ejU hm{dmb`m|, ES>rAmB,
EbS>rE H$m`mb`, AmaAma~r | OmopI AmYm[aV ~YZ boIm narjm H$s JB&
E$grE mam 723 dXoer emImAm| (H$mofmJma emIm g{hV) VWm gnXm {d^mJ,
YmZ H$m`mb` (Ho$r`H$V ^wJVmZ Ho$ {bE) VWm AmV[aH$ A{YH$m[a`m| mam 24
{dXoer emImAm|, H$mS> CnmX {d^mJ, {Z`H$ hmboIm narjH$ S>mQ>m goQ>a VWm
gnXm {d^mJ, YmZ H$m`mb` (A` mbm| Ho$ {bE) H$s gdVu boIm narjm H$s
JB& ~H$ Ho$ Hw$b bmo>~b A{J H$m 84.47% VWm Hw$b bmo~b Om H$m 69.69%
gdVu bojm narjm mam nyam {H$`m J`m O~{H$ {Z`V Va `oH$ H$m 70% h&
{d^mJ Zo emImAm| | boIm narjm Ho$ XmamZ `74.22 H$amoS> VH$ Ho$ amOd H$s hm{Z
H$m nVm bJm`m {Og| go `71.12 H$amoS> H$s dgybr H$s Om MwH$s h& &
Q>ma~yQ> `moOZm Ho$ AVJV 3187 emImAm| Ho$ boIm narjm AndmX [anmoQ> (EBAma)
{ZH$mbo JE Ama Ama~rAmBE Ho$ AVJV emImAm| H$mo ^oOo JE& `h [anmoQ> g~{YV
emImAm| H$mo Xmo hrZo nhbo ^oOr OmVr h {Oggo boIm narjm Ama^ hmoZo Ho$ nhbo
emImE Amd`H$ gwYmamH$ Cnm` ew H$a gH|$, Bggo Ch| AN>r boIm narjm
loUr m H$aZo | gw{dYm hmoVr h& {dmr` godmE {d^mJ, {dm mb`, ^maV gaH$ma
mam Omar SmQ> {Xem{ZX}em| Ho$ AZwgma OmopI AmYm[aV AmV[aH$ boImnarjm Ama
gyMZm Umbr boIm narjm H$s Zr{V`m| H$s grjm/C{MV gemoYZ {H$E JE Ama
Ama~rAmBmam {nN>bo EE$AmB | ~VmE JE jom| H$mo gwn[aH$V H$da {H$`m J`m .
df 2011-12 Ho$ {bE ~H$ Ho$ bmJ $m Am{S>Q> [anmoQ> na g`mZwgma H$madmB H$s
JB VWm ~moS> Ama Egr~r H$mo AZwnmbZ g` go VwV {H$`m J`m& ~moS>/Egr~r H$s
~R>H$m| go {ZH$bo H$madmB Xm| Ho$ AZwnmbZ H$mo g` go Egr~r/~moS> H$mo VwH$V
{H$`m J`m&
{Z`{V boIm narjm Ho$ Abmdm C ~YZ Ho$ AZw Xoe/{Xem{ZX}em| Ho$ VhV ~H$
H$s {deof O$aVm| H$mo nyam H$aZo Ho$ {bE {ZZ{bpIV {deof H$m` {H$E JE&
"C OmopI Ama D$na' aoqQ>J dmbr emImAm| | {Q>n{U`m|/AndmXmo H$mo
ApV AZwnmbZ gw{Z{V H$aZo Ho$ {bE {ddoH$m{YH$ma boImnarjm ({S>Ho$eZoar
A{S>Q>) H$s JB&
Ja-gdVu boIm narjm emImAm| | amOd boIm narjm H$s JB (N>moQ>o/`
emImAm| Ho$ mbo | dm{fH$ Ama ~hV Ama A{YH$ emImAm| Ho$ {bE AYdm{fH$) Ama `6.53 H$amoS> H$m amOd jaU H$m nVm bJm`m J`m&
boIm narjm {H$E JE emImAm| na {ZdmaH$ gVH$Vm Cnm`m| Ho$ ^md H$m
y`mH$Z {H$`m J`m (`h AZdaV $n go H$s Om ahr h)&
5102 ImVm| | F$U boIm narjm Ama F$U grjm `dWm Am`mo{OV H$s JB&
~H$ H$m df 2012-13 Ho$ {bE bmJ $m A{S>Q> [anmoQ> 25.06.2013 H$mo m
H$s JB Ama BgH$m AZwnmbZ Ama~rAmB H$mo 23.08.2013 H$mo VwV {H$`m
J`m&
g^r {dXoer Ho$m| H$m mBJoeZ boIm narjm ogg AZQ> ES> `J EbEbnr
mam nyam {H$`m J`m Ama AZwnmbZ hoVw g~{YV {dXoer Ho$m| | ^oOm J`m&
{$S> Va Ho$ boImnarjH$m| Ho$ H$meb H$mo ~ohVa ~ZmZo Ho$ {bE Ama~rAmBE,
$maog n[aMmbZ Ama AmBQ>r g~{YV wm| na {ejU Am`mo{OV {H$`m J`m&
{Xg~a 2013 Ho$ {bE S>rgr, S>rAma Ama H$mofmJma H$s {Vmhr gyMZm Umbr
(AmBEg) boIm narjm ogg nbm{S>`Z ZoQ>dH$g m.{b. mam {H$`m J`m Ama
{nN>bo AmBEg boIm narjm Ho$ AZwnmbZ [anmoQ> g{hV [anmoQ> VwV H$s JB&
{Xg~a, 2013 Ho$ {bE S>rgr Ama S>rAma H$s [anmoQ> ~X H$aZo Ho$ {bE VwV H$s
JB & S>rgr H$m H$mofmJma [anmoQ> 26.03.2014 H$mo EgrB | ~X H$s JB& mM,
2014 | gm {Vmhr Ho$ {bE S>rgr, S>rAma Ama H$mofmJma H$m AmBEg boIm
narjm ogg nb{S>`Z ZoQ>dH$g m.{b. mam Ama^ H$s JB h&
{dm mb` mam {XE JE gwPmd Ho$ AZwgma Ho${S>Q>, Omam{e, $maog, AmBQ>r,
YZofU B`m{X Ho$ jo | 81 Am$gmBQ> gd}bg/AbQ>g H$m H$m`md`Z
{H$`m J`m& 81 [anmoQ> Ho$ pH$Q> H$mo A{V $n {X`m J`m, Hw$N> emImAm| |
narjU {H$`m J`m Ama g{{V Ho$ gX`m| mam [anmoQ>] AZwmo{XV H$s JB. g^r
emImAm| Ho$ {bE AmgmZr go [anmoQ>} OoZaoQ> H$aZo Ho$ {bE nWH$ "H$Q> AmBS>r'
~ZmB Om ahr h& AMbdma Am$ gmBQ> gd}bg [anmoQ> (AmoEgAma) OoZaoQ>
H$aZm ew$ {H$`m Om ahm h& g^r emImAm| | EH$ gmW {VJmr ([aJo{gd)
narjU {H$`m OmEJm&
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AZQ> ES> `J EbEbnr H$mo Xr JB h& `h EH$ ~ma {H$`m OmZo dmbm H$m`
h Ama 1 df H$s R>oH$m Ad{Y h& ogg AZQ> ES> `J EbEbnr Zo AV[a
[anmoQ> VwV H$s h&
ogg AZQ> ES> `J EbEbnr mam S>mQ>m goQ>a H$s gdVu boIm-narjm
H$s Om ahr h Ama {Xg~a, 2013 mh VH$ H$s A{V [anmoQ> VwV H$s JB
h& OZdar 2014 VWm $adar 2014 H$s SmQ> [anmoQ> ^r VwV H$s JB h&
H$m`nmbH$m| H$s boIm narjm g{{V | {gV~a 2013 H$s [anmoQ> ~X H$a Xr JB
h& S>mQ>m goQ>a go AVy~a, Zd~a Ama {Xg~a 2013 H$s AZwnmbZ pW{V m
hB Ama AZwnmbZ OmM Ho$ {bE Bgo ogg AZQ> ES> `J EbEbnr H$mo o{fV
{H$`m J`m h&
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/ BANK OF INDIA
AJg{H$` Cnm` Ho$ $n | hmam H$m`mb` amOd jaU Ho$ H$maUm| H$s d{m
grjm H$aZo Ho$ ~mX, OZo[aH$ Xm| H$mo R>rH$ H$aZo Ho$ {bE h `mO jom| H$s
^r OmM H$a aho h&
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Ho$ gdVu boImnarjH$m| go ~mVMrV H$s OmVr h&
hm~YH$ Ama Cn hm~YH$ Zo 77 AmM{bH$ boIm narjm g{{V H$s ~R>H$m| |
gh^m{JVm H$s VWm C OmopI Va H$s emImAm| Ho$ w` nXYmar Ho$ gmW ~R>H$
H$s JB Ama g`mZwgma AZwnmbZ/{d{^ [anmoQ>m] H$mo ~X H$aZo VWm boIm narjm aoqQ>J
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Hw$N> AMbm| | gdVu boIm narjH$/AmV[aH$ boIm narjH$m| H$s ~R>H$ Am`mo{OV
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S>mQ>m goQ>a Ho$ {bE nyUH$m{bH$ AmV[aH$ gdVu boIm narjH$ {Z`w$ {H$`m J`m Ama
A`o H$V`m|a Ho$ gmW Cgo `mO mZXS>m| H$s OmM, `mO {H$`m H$m `moJ VWm
ZyZo ImVm| | `mO H$s OmM H$m H$m` {X`m J`m& gdVu boIm narjH$ Ho$ {dMmam|
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H$mo ZmoqQ>J VWm AmJo Ho$ {ZXoem| Ho$ {bE H$m`nmbH$m| H$s boIm narjm g{{V H$mo
VwV H$s OmVr h&
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H$m`nmbH$mo H$s boIm narjm g{{V Ama ~moS> H$s boIm narjm g{{V H$mo H$s OmVr
h Ama CZHo$ {ZXoem| H$m AZwnmbZ {H$`m OmVm h&
amO^mfm
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amO^mfm gobZm| H$m Am`moOZ {H$`m& ~H$ mam {H$E JE H$m` H$s gamhZm ^maV
gaH$ma, Jh mb`, amO^mfm {d^mJ mam H$s JB&
hmam ~H$ {dm mb`, {dmr` godmE {d^mJ, ZB {Xr mam V`ma {H$E JE amO^mfm
`moJ-Amngr gdmX gmWH$ {Xem ZmH$ amO^mfm mS>b H$mo H$m`mpdV H$aZo dmbm
W ~H$ h& `h H$m`H$ bIZD$ (17.10.2013) | Am`mo{OV [H$m Jm& Bg
H$m`H$ H$s grS>r g^r am>r`H$V ~H$mo Ho$ YmZ H$m`mb`m| H$mo o{fV H$s JB&
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{H$`m J`m h& Bg H$ma H$m amO^mfm mS>b ^oOZo | hmam ~H$ W h&
hmao H$m`nmbH$ {ZXoeH$ lr {~.nr. em mam CZHo$ `yHo$ Xmao Ho$ g` hmar bXZ,
no[ag Ama EQ>dn emImAm| | amO^mfm H$m`md`Z g{{V H$s ~R>H|$ Am`mo{OV H$s
JB& Bg H$ma hmam ~H$ W ~H$ h {OgZo {dXoer emImAm| | amO^mfm H$m`md`Z
na MMmE H$s&
{hXr mh Ho$ XmamZ AVa ~H$ bmoH$JrV (Ja-{$r) {V`mo{JVm, {hXr H${d
gobZ, YmZ H$m`mb` Ho$ {d^mJm| Ho$ {bE {d{^ {hXr {V`mo{JVmAm| H$m
Am`moOZ {H$`m J`m&
Q>maSo>H$ na amO^mfm nmoQ>b Ama^ {H$`m J`m {Og| amO^mfm H$m`md`Z go
g~{YV hdnyU OmZH$m[a`m VwV H$s Om ahr h &
^maV gaH$ma, {dm mb`, amO^mfm {d^mJ Ho$ mS>b amO^mfm `moJ Amngr gdmX
gmWH$ {Xem Ho$ AZwgaU | YmZ H$m`mb`, amO^mfm {d^mJ Ho$ ZoVd | bIZD$,
aZm{Jar, BXma, CmZ, ^monmb, H$mohmnwa, ZmoES>m, ZB {Xr Ama w~B | go{Zma
Am`mo{OV {H$E JE&
^maV gaH$ma, Jh mb`, amO^mfm {d^mJ go m nwaH$ma (df 2012-13
Ho$ {bE) ZmJnwa-1 (ZamH$mg) W nwaH$ma, wO$anwa AMb {Vr` nwaH$ma,
AVga AMb VVr` nwaH$ma, OeoXnwa AMb VVr` nwaH$ma, Jmodm AMb VVr`
nwaH$ma&
^maVr` [aOd ~H$ erS> df 2011-12 Ho$ {bE "I' jo | ~H$ Am$ B{S>`m H$mo
VVr` nwaH$ma
/ BANK OF INDIA
/ BANK OF INDIA
WmZ : w~B
{XZmH$: 15 B, 2014
32
/ BANK OF INDIA
33
/ BANK OF INDIA
Average WPI inflation in 2013-14 ranged between 6.30% to 7% on
the back of a stubbornly high vegetable prices. With inflation rising, it
is expected that the wholesale price inflation will average 5.8% in FY
2014-15.
Outlook for FY 2014-15
Estimates by various agencies predicted growth rate to be
around 5.50% in 2014-15, up from 4.70% in 2013-14. Slow
industrial growth in 2013-14 is likely to improve and pick up during
2014-15. Economy seems to have bottomed out but with structural
bottlenecks to be overcome, it is yet to reach its potential.
An Asian Development Bank report has stated that there are weaknesses
in terms of persistent inflation, fiscal imbalances,bottlenecks to
investment, and inefficiencies that need structural reforms. Growth would
have to be led by improved investment and consumption. Inflation will
have to be contained or else a continuance of tight monetary stance is
inevitable.
Better growth prospects in the US and the Euro Zone will likely bolster
external. Demand Monsoon prediction in 2014-15 though forecast
marginally less than normal at around 95 % is unlikely to be a cause for
concern, though a monsoon disrupted by El Nino could fuel food inflation.
The India Meteorological Department in its first forecast for 2014 had
said southwest monsoon will be below normal at 95% of the long-period
average (LPA), which is around 89 cm.
Banking industry developments outlook
The growth of the banking sector is very closely linked to the growth of
Indian economy which is estimated to grow at a rate of 5.5%-6% between
2014 to 2016. The banking industry will benefit from economic expansion
and conducive government policies to shield the economy from ups and
downs in the global front and geo-political disturbances. Further, as
per capita income grows and awareness about banking spreads, more
populace comes to the banking fold.
The rise in Money supply (M3) as a result of the rise in demand and
time deposits with banks helped growth in Money Supply (M3) to cross
the Reserve Bank ofIndias (RBI) projection of 13%. The improvement
in deposit growth was due to the FCNR (B), or foreign currency nonresident (bank), deposits, which increased dramatically, thanks to RBI.
In the three-month period between September and November 2013 RBI
announced a special concessional dollar swap window to attract FCNR
(B) deposits and foreign currency borrowings through which it raised $34
billion, thereby providing enough stability to the rupee. Deposits also
increased following various policy announcement by RBI and resultant
hike in deposit rates by various banks. While banks have changed rates
across various maturities, most upward revisions have been seen across
shorter tenures in the category below ` 1 crore. Moreover, the growth in
currency with the public also accelerated.
Annual M3 growth rate at 15.1% crossed the RBIs indicative trajectory
and was higher than 13.1% a year ago, mainly due to the rise in both
demand deposits and time deposits. Moreover, currency with the public,
another major component of broad money, also accelerated.
Incremental personal loans also rose rapidly during 2013-14. They rose
by 21.2% to ` 1.39 trillion as compared to the preceding year. Incremental
credit for housing and consumer durables shot up sharply during the
year. However, incremental vehicle loans declined by 12.2%. This was
in line with the fall in car sales that were seen during the year. Owing
to the healthy rise in incremental personal loans, growth in outstanding
personal loans improved to 15.5% from 14.7% in the preceding year.
The industrial sector accounts for 45% of the outstanding non-food
credit. Credit off-take by the industrial sector declined for the second
consecutive year in 2013-14. It fell by 0.1% to ` 2.93 trillion in 2013-14
as compared to the preceding year. This decline was in spite of the sharp
34
/ BANK OF INDIA
BUSINESS REVIEW
DEPOSITS
Banks total Deposits increased by ` 95,134 crores to ` 476,974 crores
during the year and record a growth of 24.91%. The growth in domestic
deposits was to the tune of ` 69,523 crores or 23.64% over previous
year.
24.
381840
19.99%
363590
248475
294067
376228
292968
28.42%
251494
264260
16.49%
204036
177950
29.52%
14.66%
111968
88932
73544
25.90%
20.92%
March '12
March '13
(Global)
(Domestic)
March '14
(Foreign)
ADVANCES
Banks gross advances increased by ` 83,260 crores to ` 376,228
crores during the year with a growth of 28.42%. Gross Domestic Credit
registered a growth of 29.52% from ` 204,036 crores on 31.03.2013 to
` 264,260 crores on 31.03.2014 as against the growth rate of 14.66% in
the last financial year 2012-13. Incremental credit to new and existing
accounts in Public Sector Units Public Sector Entities and NBFCs have
contributed in higher growth.
Timely sanctions and prompt disbursements in Large Corporate, Mid
Corporate, Retail, SME and Agriculture segments have been instrumental
in substantial credit growth.
The Bank has also set up a New Business Department during the year
to help in new customer acquisition and augment quality credit growth.
91%
318216
23.64%
18.35%
Bank added 164 New Corporate customers during the financial year.
Bank caters to specialised needs of Corporates/Mid corporates through
10 Large Corporate Bank Branches and 42 Mid Corporate Branches.
The needs of other clients from Retail, SME and Agriculture are met
through the Network of 4646 Domestic branches. Banks 56 Overseas
Centres across 5 continents also cater to credit requirement of exporters
and overseas clients.
INFRASTRUCTURE FINANCE
113384
87773
69741
25.86%
29.18%
March '12
(Global)
March '13
(Domestic)
March '14
(Foreign)
During the year, Bank sanctioned Fund Based Limits of ` 16,626 crores
and Non Fund Based Limit of ` 4,367 crores under infrastructure projects
in New and Existing accounts covering Power, Telecommunication,
Roads, Ports and other infrastructure.
Bank continued to provide support to this segment with additional
disbursement of ` 8,863 crores of which 52% has been to Power sector
and 28% has been to Road and Port Projects.
CORPORATE CREDIT
Bank is extending credit to Corporate Customers through specialized
branches which contribute 54% of gross domestic credit.
10 Large Corporate Branches Located at Major Cities are catering to
all the major corporates across country - Mumbai, New Delhi, Kolkata,
Chennai, Bangalore, Hyderabad, Ahmedabad and Pune. 42 Mid
Corporate Branches covers the rest of major business centers including
the above.
For serving corporates at other centres, 21 SME City Centres are
equipped with Credit Processing Cells with direct reference to Large
Corporate Credit Department at Head Office.
35
/ BANK OF INDIA
LARGE CORPORATE
The advances through Large Corporate Branches constituted 41% share
in total domestic advances as on 31.03.2014. Advances to Corporate
segment through LCBs has increased from ` 84,047 crores as on
31.03.2013 to ` 110,651 crores as on 31.03.2014, showing a growth of
31.65% over last year.
Bank is also acting as Mandated Lead Arranger (MLA) and Joint Book
Runner (JBR) for International Syndication loans and arranged loans for
Indian Corporate for their expansion / acquisition and Joint Ventures,
covering a wide range of industries.
NEW BUSINESS
New Business Department was set up in January2014 with the
objective of establishing New Business relationships with PSUs, Mid
and Large Corporates, where we do not have banking relationships
and offer a bouquet of Banking services, structuring the products as per
the requirements of the clients. The department is being headed by a
General Manager.
During a short period of 3 months, the department has been successful
in establishing relationships with large number of Public and Private
sector enterprises. There has been a quantum jump in disbursements
to leading Public Sector companies. As a Medium Term plan, New
Business Department has embarked upon a plan to acquire substantial
number of new clients in Mid and Large corporate segment. Department
has shortlisted around 950 corporates after analyzing their financials
and circulated the list to all the Mid and Large Corporate branches and
to Zonal Offices for establishing initial contact, depending upon the
geographical presence of the corporates. As a next step, the department
willl provide all logistics support to branches/zones by meeting the
36
/ BANK OF INDIA
For Multicurrency International Syndication loans the Bank is acting as
Mandated Lead Arranger (MLA) & Joint Book Runner (JBR) and has
arranged loans in USD, JPY. EURO and GBP currencies for Indian
Corporates for their expansion / acquisition and Joint Ventures, covering
a wide range of industries.
Bank has a Global Remittance Centre (GRC) in Mumbai. The inward
remittances and NRE/NRO Account opening of NRI customers have
been centralized at GRC. For service to non-resident customers in
deposits and remittances, SMS alerts for remitter as well as beneficiary
for remittance from Gulf Countries have been introduced. Straight
Through Processing (STP) for Speed Remittances has been put up in
place. The bank has introduced BOI Premium NR Deposit Scheme.
Bank won the award of Most Efficient Bank amongst all Banks in
Kenya for the year 2012 by Think Business and Best Bank Award
for ICT.
As at 31st March, 2014, total deposits at foreign branches stood at
` 113,384 crores, registering a rise of ` 25,611 crores (29%) over
previous year. Total advances stood at ` 111,969 crores recording a
rise of ` 23,022 crores (26%) over previous year. Investments were at
` 5,661 crores. Operating profit of foreign branches for the year ended
March 2014 at ` 1431 crores has shown a rise of ` 250 crores over
previous year. Net profit at ` 669 crores has increased by ` 375 crores
over March 2013. Foreign branches contributed 26.41% towards global
business and 16.99% and 24.51% towards Operating profit and Net profit
respectively for the year ended 31.03.2014.
BULLION BANKING
Bullion banking was introduced by the Bank in November 1997. Initially
the scheme was introduced at SEEPZ and Ahmedabad branches and
was subsequently introduced at other branches. As on date, although
9 branches are authorized to undertake bullion business presently
only 4 branches are undertaking the business. Gold is procured on
consignment basis for catering to the needs Jewellery exporters and
domestic jewelers. The Bank sold 16159 kg of gold in the year 201314, with a turnover of ` 4,179.46 crores, thereby earning an income of
` 60.07 crores. The increase in the earning during the year was 47.70%.
FOREX BUSINESS
Forex business handled by Bank has shown decent growth. During the
year 2013-14, Merchant and Interbank turnover was ` 203,720 crores
and ` 499,187 crores respectively. The Bank continues to be a leading
player in the forex market. The aggregate turnover of treasury Branch
during the year was ` 702,907 crores.
TREASURY INVESTMENTS
The yield on benchmark 10-Year G-Sec which was 7.96% as on 31st
March 2013 has softened to 8.80% as on 31st March 2014. However,
movement of G Sec yields was highly volatile and the same moved
within a wide range from 7.089% to 9.473% during the year. Bank has
maintained higher level of investments keeping a balance between
interest income and market risk. Bank has maintained SLR investments
in excess of the regulatory requirement of 23% of Net Demand and Time
Liabilities. The gross SLR investments were ` 91,943 crores (87.66% of
total investments) and Non SLR investment stood at ` 12,941 (12.84%
of total investments). The Bank makes these investments within the
framework of a comprehensive policy which is reviewed periodically
consistent with market developments/regulatory requirements.
TREASURY OPERATIONS
The Bank continues to play an active role in all segments of the market.
The Bank has managed its investment portfolio actively and earned
profit from trading and sale of securities by taking advantage of the G
sec movements. Bank has registered 78.08% growth in profit from sale
of securities in FY 2013-14 compared to FY 2012-13. Bank has taken
advantage of arbitrage opportunity within various market segments.
1. Agriculture
2. Small Enterprise
3. Education
4. Housing
Total Priority Sector
As on 31 March
Growth
% age
2013
2014
Amount
27,041
36,071
9,030
33.39
28,913
35,504
6,591
22.80
2,329
2,597
268
11.51
6,790
7,517
727
10.71
65,518
82,021
16,503
25.19
37
/ BANK OF INDIA
Bank has carved out Financial Inclusion as a new Business Unit headed
by a General Manager to drive implementation of Board approved
Financial Inclusion Plan. Bank is committed to provide banking services
through Business Correspondents and ICT based hand held devices
(micro ATMs) to 40,160 villages, connect 125 lakhs people through Basic
savings Bank Deposit Account with in built overdraft facilities to take
care of their urgent consumption needs, extend entrepreneurship credit
to eligible people to earn their livelihood, offer mobile based remittance
facility to help mainly the migrant labour/ self-employed to remit money to
their family members and facilitate access to Banks third party products
including Micro Insurance amongst other services. Bank has effectively
pursued the Direct Benefit Transfer scheme of the Central / State
Governments for transfer of benefits directly to the account of beneficiary
by providing the requisite payment and other infrastructural supports.
Progress under
FY 2013-14 :-
Inclusion
Plan
Financial
(FIP)
:
:
:
:
:
:
during
107.28 lakhs
22.68 lakhs
22.10 lakhs
6072
105
14060
Bank has achieved 100 % Financial Inclusion in all 4404 allotted villages
with population above 2000 as on 31.03.2014. Robust operational
systems with adequate risk mitigants and best practices have been built
up and are being pursued.
Small
Enterprises
` 28913
(35.19%)
Education
` 2329
(2.83%)
Agriculture
` 39071
(43.98%)
Small
Enterprises
` 35504
(43.29%)
Housing
` 6790
(8.26%)
Education
` 2597
(3.17%)
March '13
Housing
` 7517
(9.16%)
March '14
Star Swarojgar Prashikshan Sansthan (RSETIs)
Bank has now designated SLBC as Lead Bank Convener in the state
of Jharkhand.
FINANCIAL INCLUSION
Financial Inclusion is integral to the inclusive growth process and
sustainable development of the country. There has been a strategic
shift in sustainable financial inclusion to the adoption of market oriented
approach viewing financial inclusion as a viable business proposition.
The paradigm has decidedly shifted from CSR to economic viability.
It has been made possible with the availability of ICT based solution to
support secure and sufficiently low cost transactions required by the
financial sector. Bank is viewing these prospective banking service users
through a prism of opportunity rather than obligation.
With the aim of mitigating the unemployment problem among the rural
youth, the Bank took initiative to form a dedicated trust named STAR
SWAROJGAR PRASHIKSHAN SANSTHAN (SSPS) in 2005. Two
SSPS (RSETIs) were established at Bhopal and Kolhapur immediately
after formation of the trust. Ministry of Rural Development, Government of
India found value in the initiative and proposed to support establishment
of such Institute in each district of the country to tap the rural BPL youth.
The formation, nomenclature, sponsorship, management, programme
structure, staffing and administration, MIS etc. were defined. Bank was
allotted 43 centres to establish institutes. Bank has established 43 such
institutes in the state of Jharkhand, Orissa, Uttar Pradesh, Madhya
Pradesh, Maharashtra and West Bengal. 57,676 participants have been
trained and 25,308 have been provided with credit inputs from these
centres till date.
38
/ BANK OF INDIA
Bank has planned to upgrade/establish five integrated SSPS (RSETIs)
at Ranchi (Jharkhand), Barabanki (Uttar Pradesh), Bhopal (Madhya
Pradesh), Pen (Maharashtra) and Belgaum (Karnataka) for extending
the scope of SSPS (RSETIs) to primary health care, adult literacy,
comprehensive financial access and planning for growth, strengthening
civil society organization, environmental sustainability etc. Bank would
like to collaborate with and foster strategic partnerships etc. aiming at
bringing diverse resources from the public, private and social sectors to
bear on the challenges surrounding these areas.
Financial literacy and Credit Counselling Centres (ABHAY)
Bank has recognized the need for financial education to appreciate the
complexities of financial dealings with various intermediaries on matters
relating to personal finances on a day to day basis. Further, those who
suffer from financial problems due to unmanageable debts also need
credit counselling to come out of their repayment obligations. It is in this
background that Bank has opened 5 (five) Credit counselling centres
named ABHAY at Mumbai, Wardha, Gumla, Kolkata and Chennai and
they are manned by senior and experienced bankers.
Extending the concept of ABHAY further, Bank has now opened 54
Financial Literacy Centres as per the guidelines of Reserve Bank of India
and NABARD.
In addition to remedial counselling on case to case basis for the
distressed borrowers, preventive counselling through media, workshops
and seminars are also given. So far 206357 cases of counselling were
taken up and disposed of quickly bringing smile on the faces of the
distressed people.
As on
31.03.2013
As on
31.03.2014
Growth /
%age growth
10,267
13,081
2,814 / 27 %
2,412
2,652
240 /10 %
2,037
2,351
314 /15 %
779
927
148 /19 %
2,007
2,971
964 / 48 %
SME
During the year 2013-14 Banks performance under MSME segment
was on expected lines. Amidst low credit growth in Industry we have
grown Y-O-Y by more than 21%. Some decisions taken in earlier years
viz creation of new vertical for SME Business, setting up specialized
processing cells with dedicated sales forces etc have started yielding
results and have significantly contributed to extending credit to the sector.
Performance of the Bank under MSME Segment
Business growth : MSME Outstanding ` 45,081 crores registering
Y-O-Y growth of 21.04%.
Retail Credit
Bank during the year 2013-14, perused the policy of building up a healthy
retail credit portfolio. In the post recessionary period of FY 2013-14 as
reviving economy gave ample opportunity for retail credit. The retail
credit portfolio of the Bank increased from ` 22,350 crores to ` 29,600
crores as on 31st March, 2014. During this period the contours of retail
credit were also redefined. Bank has established 23 Retail Business
Centres (RBCs) major cities to expedite the processing of retail Home
Loans/ Loan Against Property and also processing of Vehicle Loan and
Education Loan proposals- in case of tie-up arrangement. The Home
Loan segment recorded a growth of 27% i.e. from ` 10,267 crores
(March, 2013) to ` 13,081 crores (March, 2014). Bank has formulated
39
/ BANK OF INDIA
Performance under CGTMSE 33,930 new accounts added under
CGTMSE scheme during 2013-14 covering exposure of ` 2,351.17
crores. We continue to remain No.1 amongst PSU banks in terms
of total coverage under the scheme which has reached the level of
1.51 lakhs accounts with total exposure of ` 9,614.22 crores as on
March 2014.
Performance under PMEGP : 503 accounts with limit of ` 157.65
crores has been sanctioned during the year 2013-14 under PMEGP.
Bank won the National Award for Excellence in PMEGP
implementation for the year 2012-13. The award is given by Khadi &
Village Commission (KVIC) under Ministry of MSME.
Distinct front office and in-branch back office have been created for
quick turnaround time.
Customer empowerment has been attempted through self-operated
passbook printing kiosks.
Cash deposit kiosks have been installed giving option to the
customer to deposit directly into account without using the services
of the teller.
MOUs with 5 new OEMs have been signed during the year to ensure
credit flow to MSE sector through SRTOs and equipment finance.
As on 31st March 2014 the number of such OEMs stood at 14.
ROI has been reduced by 1% across the board for limits above `10
lakhs and up to ` 100 lakhs in Micro sector to make further inroads
towards the sector.
New product BOI Star Doctor Plus has been launched with
attractive features to solicit business from qualified doctors. No
upper limit is fixed for the doctors for their business need.
21 SME City Centres across the country have cumulatively
sanctioned ` 9,734 crores as on 31st March 2014 out of which
` 7,226 crores were disbursed during this year only.
Ventured into direct assignment market of securitised pool of assets
pertaining to different NBFCs and grabbed approximate business of
` 500 crores under this arrangement.
REORGANISATION OF THE BANK
As part of reorganization, two separate business groups viz. National
Banking Group and Wholesale and International Banking Group were
created for focused attention to respective businesses. Each Group is
responsible for the performance of various Business Units falling under
its purview. Based on the experience gained further refinements was
carried out during FY 2013-14. Some of these changes are as below:
The turnaround time was sought to be further reduced by delinking
NBG Branches headed by Assistant General Managers from
specialized processing centres viz. SMECCs and RBCs.
AGM and CM headed branches have been permitted to do Large
Corp and Mid Corp business. The strategy behind this move is to
enable larger number of branches to solicit such business which
was hitherto restricted only to Mid-Corporate/Large Corporate
Branches.
A few multiple CPCs were established by merging RBCs and
SMECCs.They can now do business pertaining to both SME and
Retail. At a few places, Rural CPCs have also been merged to make
to handle Retail, SME and Rural Businesses.
One New NBG has been created covering Zones in Chhattisgarh
and Jharkhand states.
40
/ BANK OF INDIA
Beneficiary/ receiver can withdraw money from any BOI IMT enabled
ATM without using a card. (List of IMT enabled ATMs is displayed
on Banks website)
Self Service Banks customer can initiate the transaction from his/
her own through Retail Internet Banking or ATM.
Pass Book Printing Kiosk: Bank has installed Pass Book Printing
Kiosk at 900 locations across India. We have planned to install it at
another 3,000 locations during the current financial year.
41
/ BANK OF INDIA
Total Number of ATMs: It is planned to increase number of ATMs
and take total ATMs to 8000 during FY 2014-15. The number of
ATMs has already crossed 4375 mark.
CRM Project: This will enable Personalized Service, better Turnaround-time(TAT) for service requests, Informed and professional
advice regarding new financial product offerings, and will provide
Data inference-based interaction and hence has an objective value.
Cash Management & Channel financing: Providing Web based
interface for effective Cash Management and channel financing.
Trade Finance: Providing web based portal to customers for Trade
Finance Application which will be integrated with Finacle for both
domestic and international operations.
Payment Gateway Solution: Online payments are becoming
important for all the businesses. By implementing Payment Gateway
Bank can generate revenue by selling payment services to other
banks and third parties.
Mobile Banking: Bank has introduced a new Mobile Application
-Star Token NG - this New Mobile Application will enable Access
to Internet Banking through Mobile, TAB, iPAD and will provide
Secure Web App Access with Multifactor Authentication and can be
extended to the existing Star Token users immediately without any
formalities for availing the same.
Adoption of Social Media: Keeping in perspective factors such as
perception, compliance.
Deposit in PPF Account: The functionality of Online Deposit in
PPF Account is introduced in Internet Banking with facility to create
online Standing instruction for PPF. Now customer can deposit his/
her PPF Contribution in any branch.
Account Number Portability: As per recommendations of the
Damodaran Committee on Customer Service in Banks, Bank has
introduced Account Number Portability for transfer of Deposit
Accounts from one branch to another branch.
Technological Enhancement & Other Services for Operational
Excellence
Straight through processing (STP) is enabled for outward and
inward National Electronic Fund Transfer (NEFT) in Finacle. This
has facilitated speedier processing of NEFT messages.
Bank has automated the process of return of inward un-processed
NEFT messages in Finacle which has helped making the return
process speedier.
Facility for walk in customers for NEFT against cash deposit in any
branch if the amount of NEFT is less than 50,000/-.
Migration of all the servers which were planned to be under
virtualization has been completed. Virtualization infrastructure is
now in place and stabilized. New applications/servers are added as
per requirements.
Implementation of Credit Application Processing System (CAPS)
including integration with CIBIL.
Bank has migrated more than 2000 branches in to Multi-Protocol
Label Switching (MPLS) with enhanced bandwidth.
All Foreign Centre Branches successfully migrated to Finacle, with
this Bank has uniform CBS software across the globe.
Internet Banking successfully launched for 25 Foreign Branches.
Data Centre
Data Centre, certified with ISO 27001:2005, BS25999 and PCI DSS
standard with 1:1 redundancy of physical hardware Infrastructure
between primary site to secondary site with the Recovery Time Objective
42
/ BANK OF INDIA
the Bank for the Project Financial Inclusion through ICT enabled
solution.
CIO Masters 2013 Category- Data Centre. Received Certificate of
Recognition of Unique Achievements in the area of Data Centre.
CIO100-2013 - Our project adjudged as the winner.
Skoch Award 2013 Our project has been selected among Indias
Best 2013.
First Runner up award in the category of Best Financial Inclusion
Initiative among Public Sector Banks in IBA Banking Technology
Awards 2012-13.
Received Runners up award from NPCI in NFS Operational
Excellence Awards 2013 in Public Sector Banks category for
excellent performance in key parameters in respect of ATMs and
switch connected to NFS ATM Network.
31.03.12
(Actual)
4,812
31.03.13
(Actual)
5,894
31.03.14
(Actual)
8,765
NPA (` Crore)
2.99%
The total premium collected by the Bank for NICL during financial year
2013-14 has been ` 183 crores which earned a commission of ` 16.61
crores.
2.23%
2.34%
0.91%
2.06%
1.47%
The level of Non Performing Assets (NPA) is key to any banks profitability
and consequently larger the efforts of a bank to minimise NPAs, the
better it is in the long-term. The Bank continued its drive and focus in
improving its performance in the area of NPA management in the year
2013-14 as well. NPA reduction has been given utmost priority in the
March '13
43
March '14
/ BANK OF INDIA
31.03.2013
31.03.2014
Metropolitan
787
18.34
833
17.93
Urban
742
17.29
789
16.98
Semi-Urban
1,165
27.14
1,258
27.08
Rural
1,598
37.23
1,766
38.01
Total Branches
4,292
100
4,646
100
Falling in line with RBI liberalized policy of branch authorization, some
branches were shifted to alternate sites and Extension Counters showing
good performance and those with locational advantage, were converted
31.03.2014
100
03
10
42
06
15
26
01
24
01
01
41
01
271
MARKETING
Marketing has been one of the thrust areas of the Bank for acquisition of
new customers servicing the existing customers and creation of customer
centric processes for enhancing value.
Bank has recently reorganized its Marketing Set-up. The new Marketing
Set-up focuses on mobilizing Deposits (including Govt. Deposits and
Trust, Association, Clubs & Societies [TASC]), Retail & SME advances,
Alternate Delivery Channel (ADC) Products, sale of Third Party Products
etc. The marketing staff are placed / attached to the branches including
Retail Business Centres and are working under the Head Marketing
(Deputy Zonal Manager) at Zonal Office.
To strengthen the marketing Team, Bank has recruited over 400
Marketing Executives during the last three financial years. As on 31st
March, 2014, Bank has over 386 marketing executives for focused
44
/ BANK OF INDIA
marketing efforts.
Major Initiatives during 2013-14
Training: Arranged workshop at Management Development
Institute (MDI), Belapur for the Heads of Marketing from all the
Zones.
Skill Development/ Product Enhancement: To keep the
marketing team updated on the latest developments in the Bank and
enhancing product knowledge, Weekly Online Product knowledge
tests are conducted.
Branding Activities: For image building/ brand building Bank had
given sponsorship for advertisement and branding campaigns at Big
Bazar stores in selected states during the month of August, 2013.
Customer Excellence
Bank reiterates its commitment to customer service through a customer
centric approach to achieve the goals set for itself. Bank has been a
voluntary member of the Banking Codes and Standards Board of
India(BCSBI) since its inception in 2006, to emphasize its customer
orientation and commitment to provide service of a high order in
a transparent manner, supplying the customer with the necessary
information. BCSBI revised code 2014 has been adopted by the
Bank and displayed on the website. Copies of the revised code are
being printed for information for customers. Bank has adopted various
revised customer centric policies formulated by IBA- like Deposit policy,
Cheque Collection Policy, Grievance Redressal Policy, Compensation
Policy, Recovery of Dues and Security Repossession Policy, Simplified
Procedure for Settlement of Dues in Deceased Depositors Accounts and
Delivery of articles held in Safe Custody and contents of SDV Lockers
in case of Deceased Constituents etc.
A short film on desired staff behavior shot entirely within the Bank
premises is being shown to the participants attending training
courses conducted at Staff Training Centres all over India.
Root Cause analysis of complaints is being done at quarterly
intervals to identify problem areas to initiate corrective steps at the
Head office level.
Zonal Offices have also been authorized to carry out root cause
analysis and to reduce the grievance redressal time, identify critical
areas, take prompt corrective steps at their level if possible or to
escalate the same to Head Office and help enhance customer
satisfaction.
Publicity Activities:
Banks Publicity & PR Department had executed multi- media Corporate
Campaigns specifically designed to enhance the visibility of our Banks
Image and Promote banks retail products down the line Pan India under
the able guidance of Top management. In order to execute the media
plan, the foundation of our approved theme Relationships beyond
banking has been continued. The famous Corporate TVC (piggy bank,
couple, friends, closing time, bus etc) have been aired through various
Radio, TV channels and On screening activity through Multiplex Cinema.
These campaigns has propelled the promotion of our Banks product
Housing Loans, Auto Loans, SME loan , Education Loans, Loan against
property, Alternate Delivery Channel (ADC) Products & CASA through
Print media i.e. publishing various ads in major national/regional dailies
and various magazines. The same theme was further carried forward
for OOH activities on hoarding at prominent places in metro and other
centres. Strategic locations at Railways, Air ports & High ways have been
used. This campaign initiative have reportedly garnered good mileage
and enhanced the corporate image besides promoting & establishing the
Bank Products. Apart from, the campaign it is involved in giving due
publicity to our retail activities such as to investing in real estate, buying
cars, consumer durables.
Bank has sponsored various events to increase the visibility of the Brand
and Product i.e. advertisement through some events in big multi chain
stores, various sports Super Series, development & reconstruction of shed
for pilgrims; International Convention of business & technical institutes
etc. Participation in Mega Cultural activities of state governments,
various religious /college/school functions, Real Estate & Housing
Finance Expo, Marathon at Bandra Kurla Complex of ILFS, Dream run
of standard chartered Bank, Conferences centered around the theme of
45
/ BANK OF INDIA
Various channels of communication are offered to customers for
airing their grievances including e-mail, phone.
Bank is issuing personalized Cheque Books in all branches.
Two Call centres at Mahape and Bhopal have been established and
will take up Querries / service / request / complaints etc. in phases.
The toll free no.is 1800220229 and Regular no. is 02240919191.
Bank has well established Fraud Risk Management System with clear
objectives to obviate fraud risk in the face of acceleration in Banks
business by strengthening internal controls to protect brand, reputation
and assets of the Bank.
Long code 9225592255 has been put in place for customer querries.
RISK MANAGEMENT & CONTROL
Risk is an integral element of the activities of any bank. Accordingly, the
purpose of the risk control function is not only to minimize risks but also
to ensure that the institution properly identifies measures and handles
risks and prepares adequate reports on all these efforts so that the
extent of risks, which have occurred, should not endanger the continuity
of operations. With this in mind the bank has established mechanisms
which ensure the ongoing assessment of relevant risks on an individual
basis and also of the overall risk position of the bank
Bank has robust Information Security systems and processes. Bank has
implemented various information security projects for monitoring of real
time information security attempts/incidents/events on 24x7 basis. Bank
has put in place Captive Security Operation Centre (SOC). The Bank is
ISO 27001, PCI-DSS 2.0 and BS25999 certified.
FRAUD RISK MANAGEMENT
The main functions of the Fraud Risk Management department are:
Reporting and Monitoring of Frauds.
Maintenance of Centralized data on frauds.
Analysis of Perpetrated and Attempted Frauds and initiate mitigating
measures to prevent recurrence of frauds.
Provisioning and accounting of amounts involved in frauds .
Sensitizing staff through training on Fraud prevention.
Devising and Administration of FRM Policy for the Bank.
Convening meeting of Task Force of Frauds at Head Office.
Plugging the loopholes in the systems, procedures & practices
leading to perpetration of fraud
Dissemination of modus operandi & reasons for occurrence of
fraud revealed by way of Circulars/instructions to avoid the risk of
recurrence of frauds of similar nature
On line monitoring of alerts generated with the assistance of RIMS,
an external application
Risk Management is a Board driven function in the Bank with the Risk
Management Committee of the Board at the apex level supported by
operational level committees of top executives for managing various
risks. The process of risk management consisting of various stages i.e.
identification, measurement, monitoring and control, is covered in the
policies for Enterprise Wide Risk Management ,Credit Risk Management,
Operational Risk Management, Market Risk Management, Derivatives,
ALM, Foreign Exchange and Dealing room operations. These stages
constitute a control cycle, which also involves feedback and feed forward
loops.
The identification, measuring, monitoring & mitigation of all potential
risks, in all activities and products is done through detailed analysis and
vetting the same by the operational level risk committees and task forces.
Risk profiling of the bank is also done on a quarterly basis. Various tools
and systems like prudential limits, new Basel Compliant credit Rating
Models, Credit Audit, VaR models for market risks, Self-assessment
exercise coupled with tracking of Key Risk Indicators for operational risk
have been introduced for assessing/measuring the identified risks. Data
warehousing project to provide comprehensive data for analysis has
been implemented. The Bank is implementing Credit Risk Management
Software which will help the bank in improving the data quality and
completeness and upgrading its Risk Management systems.
Bank has migrated to computation of capital adequacy under New Capital
Adequacy Framework (Basel II) based on Standardised Approach for
Credit and Market Risk and Basic Indicator Approach for Operational
Risk as per RBI guidelines effective 31.03.2008.
The Bank undertakes Internal Capital Adequacy Assessment Process
(ICAAP) on a yearly basis for assessment/measurement of various risks,
the limits of its risk-bearing capacity and appropriate level of internal
capital in relation to the risks and the Risk Appetite. Stress Testing
Process is in place for enhancing risk assessment by providing the bank a
better understanding of the likely impact even in extreme circumstances.
Going forward, this exercise is expected to render an objective basis
for decision making both to the risk control function and to the entire
institution and also for assessing the performance of the independent
control function.
Bank has received permission from RBI for migration to Foundation
Internal Rating Based (FIRB) approach for Capital charge computation
under Credit Risks. Bank has also applied for migrating to The
Standardised Approach (TSA) for Operation Risk.
46
/ BANK OF INDIA
Train the Trainers Programme for 30 newly selected faculty staff was
organized at BIRD Lucknow, an institute of repute.
Three days and five days customised programmes for 202 officers
working in IR/IL & Vigilance Departments, CASA counters and Credit
counters were organised at IIBF Mumbai and NIBM-Pune.
Total 239 three days locational programmes at regular interval of 2
months on Credit/Forex & Agriculture Finance/Retail Banking with the
help of our banks retiree executives were organised by all the Zonal
offices imparting training to 6420 staff members.
Bank deputed 63 officers to foreign branches for exposure in International
Banking. All these officers were imparted on the job training at Treasury
Branch, International Dept. H.O, Mumbai Overseas Branch.
Programmes for outside institutions were conducted at Banks training
centres-Like One week Orientation Workshop on FOREX on behalf of
FEDAI at MDI Belapur, STC Bhopal, and STC Noida and STC Chennai,
Induction Trainings to DROs of Central Bank of India at STC-Noida
.MDI also conducted a Bourse Programme for Banks Dealers ,also
attended by officers of other banks.
On-Line Product Knowledge Test was organised for all the officers,
scale I to VI at all the Zonal offices as well as Head Office.
469 students from different management institutions were approved to
carry out Summer Internship in the Bank.
Commercial Bank Trainings to RBI Officers were organised for 7 RBI
officers.
Bank being a Nodal institution, for organising interviews for officers /
clerks on behalf of IBPS in New Delhi Zone. STC-Noida organised these
interviews at their centre in month of December 2013 and January, 2014.
A significant achievement has been made in the Banks training system
by making training module live under Human Resource Management
system. This has facilitated on line nomination to various training
programmes in the Bank at Zonal level and generates the reports at
Head Office levels to monitor the nominations.
Incentive schemes are in place to encourage staff members to upgrade
their knowledge by passing various examinations conducted by the IIBF,
ISACA, GARP & PRMIA and other reputed institutions.
The Global Human Resources talent in the Bank is consisting of 17581
Officers, 17940 clerks and 7622 support staff aggregating to 43143 as
on 31.03.2014.
In-House Publications (Taarangan & BOI Guiding Star)
Since last 49 years, Banks In-house Journal Taarangan has been
playing a significant role of internal communication in the Bank. It is
also one of the mediums of promoting employee engagement in the
bank. It has developed as a platform where our employees express
their creativity through articles, poems, experiences, cartoons etc. In
addition to these our house journal also contains success stories of our
customers, customer special achievements including details of social,
promotional and other activities undertaken by Zones/Branches/ offices
in India/ abroad along with achievements of our staff members and their
children. In every zone, there is a zonal representative for Taarangan to
look after the related work. However, the main objective of this In-house
Journal is to play a major role as an internal communication tool amongst
our staff members.
47
/ BANK OF INDIA
Banks In House Journal has won various awards and accolades from
reputed organizations during 2013 including one International Award for
Brand Excellence in House Magazine. The details of awards won are as
under:
Head Office and Zonal Offices are also associated with implementation
of reservations in respect of other categories like Ex-servicemen /
Persons with disability etc.
Representation of SC/ST/OBCs in Total Staff Strength (Indian)
March 2014
Officers Clerks Sub-Staff
SC
2,958 3,025
2,736
% to total Staff in Indian Offices
16.82 16.86
35.90
ST
% to total Staff in Indian Offices
1,326
7.54
1,842
10.27
796
10.44
3,964
9.19
OBC
% to total Staff in Indian Offices
2,492
14.17
2,132
11.88
1,226
16.09
5,850
13.54
LEGAL
Legal Department of the Bank acts as facilitator and attends to various
matters of Opinion, Documentation, Litigation etc. emanating from various
functional departments at Head Office, besides attending to referral
matters of various NBGs/Zones, Indian Branches/Foreign Branches and
Banks subsidiaries. It is also catering to the specific need of specialized
Departments like Information Technology / International/Treasury / Card
Products etc. by Drafting / Vetting of documentsof various contracts/
Service Level Agreements (SLAs), (Software/Hardware procurement,
Service Level Agreements, various types of tie-up arrangements /
new products etc.)The Right to Information Act has taken a pivotal role
in the Society and lot many applications are received by the Bank at
various levels. Bank has identified Central Public Information Officer
and Appellate Authority at various Zones / NBGs. The Deputy General
Manager / Asstt. General Manager (Law) of Legal Department is
also designated CPIO of the Bank, and the General Manager, Legal
Department is Appellate Authority which involves collecting the desired
information from various Departments and supplying the same to the
applicant within the fixed time frame of 30 days and alsoto guide the
other Zones / NBG on specific points. With a view to create awareness
among the staff `Legal News Letteris regularly issued and circulated by
the Legal Department, besides, issuing circulars from time to time on
latest legal developments.
Cadre
ST
TOTAL
No.of Duration
Progs
SC
ST
OBC
P/H
TOTAL
Officer
25
723
293
1016
Clerk
23
698
306
1004
Sub-Staff
Total
12 1421
599
2020
48
Total
8,719
20.21
COMPLIANCE
Compliance in a regulatory context is of prime importance because of
an ever-increasing number of regulations and a fairly widespread lack of
understanding about what is required for an organisation to be compliant.
Compliance has, thus, increasingly become a concern of corporate
governance.
48
/ BANK OF INDIA
A Compliance Function Policy for the Bank was adopted by the Board
as per Reserve Bank of India guidelines. An independent Compliance
department, headed by a Chief Compliance Officer of the rank of
General Manager, is functioning at Head office. Compliance of statutory,
regulatory and internal guidelines of the Bank is the scope of operation of
the compliance function of the Bank.
Bank has prepared Compliance Rules in the following areas of branch
banking:
Return
Know Your Customer/Anti-Money
Laundering/Combating of Financing of
Terrorism
Quarterly
59
Advances
FEMA
Quarterly
Quarterly
59
119
49
/ BANK OF INDIA
Long Form Audit Report of the Bank for the year 2012-13 was
received on 25.06.2013 and the compliance was submitted to RBI
on 23.08.2013.
The Migration Audit of all Foreign Centres is completed by M/s Ernst
& Young LLP and reports are sent to respective Foreign Centres for
compliance.
For improving the skills of field level auditors, training was organized
in RBIA, Forex Operations & IT related issues.
M/s Paladion Networks Pvt. Ltd., has conducted the Quarterly
Information System (IS) Audit of DC, DR and Treasury for December,
2013 and submitted the report along with the Compliance report of
the previous IS audit. The reports of DC and DR for December 2013
are put up for closure. Treasury report of DC is closed at ACE on
26.03.2014. M/s. Paladion Networks Pvt. Ltd. has initiated the IS
audit of DC, DR and Treasury for the quarter ended March 2014.
Implementation of 81 Offsite Surveillance Reports/alerts as
suggested by Ministry of Finance (MoF) is initiated, covering area of
Credit, Deposit, Forex, IT, Remittances etc. Scripts of 81 reports are
finalized, test run is performed for few branches and the reports are
approved by Committee members. Separate CUSTID is created to
generate the reports smoothly for all branches. Zone-wise Off-site
Surveillance Reports (OSRs) are initiated for generation. Regressive
testing for all branches at one-go will be performed.
Application audit of FINACLE is initiated and the job is assigned
to M/s. Ernst & Young LLP. This is a onetime exercise, and the
contract period is 1 year. M/s. Ernst & Young LLP has submitted the
interim report.
As a proactive measure, at our office after analyzing / doing Trend
Analysis of reasons for Revenue leakages, we are also checking
interest fields to address generic issues.
For better communication, interaction with Concurrent Auditors at
Foreign Centres is done through V/C / tele-conferencing.
The General Manager and Dy. General Manager attended 77 Zonal Audit
Committee meetings and conducted Meetings with Chief Incumbent
of High risk Branches and rendered suitable guidance in the matter of
ensuring timely compliance/closure of audit reports and improving audit
rating.
Meeting of concurrent auditors/internal auditors at various Zones were
conducted wherein GM & DGM emphasized the need for quality and
timely reporting of audit findings and also timely submission of reports.
Full time in-house concurrent auditor was appointed for Data Centre
and is assigned, among other duties, the job of verification of interest
parameters, application of interest process and checking of interest
in sample accounts. The observations of the concurrent auditor are
forwarded to IT Department, for compliance. The compliance received
from them is put up to Audit Committee of Executives for their noting and
further direction, if any.
Official Language
Banks Official Language Department successfully organized a series of
Official Language conferences at Kolkata, Ahmedabad and New Delhi.
Work done by our Bank has been appreciated by Govt. of India, Ministry
of Home, Official Language Department.
Bank was the first to implement Rajbhasha model Rajbhasha Prayog
Aapsi Sanwad Sarthaki Disha designed by Finance Ministry, Financial
Services department, New Delhi by organizing this program at Lucknow
(17.10.2013). A CD about this program was sent to the Head Offices of
Nationalized Banks.
Inspection of our Head Office was carried out by the Joint Director
(Rajbhasha) and Asst. Director (Rajbhasha) of Finance Ministry,
50
/ BANK OF INDIA
BOI Shareholding Ltd. (BOISL)
Banks association with the Capital Market spans a period of nine
decades. The clearing and settlement function of Bombay Stock
Exchange (BSE) was being handled by the Bank since 1921. In 1989,
Bank set-up BOI Shareholding Ltd. (BOISL), joint venture with BSE, to
manage the clearing house activities of the Stock Exchange. Bank has
holding of 51 % of its paid up capital of ` 2 crores.
The company has been carrying out the rolling and weekly settlements of
trades executed by member brokers operating on the Exchange, BOISL
is also a Depository Participant (DP) of both the Depositories viz. the
National Securities Depository Ltd. (NSDL) and the Central Depository
Services (India) Ltd. (CDSL) and provides depository services to the
clearing members and investors. BOISL is the first Securities Clearing
House in the country to have been awarded the ISO 9001-2000 ISO
Certification. BOISL earned a net profit of ` 6.89 crores during 2013-14
as against ` 68.02 lakhs earned during 2012-13.
BOI AXA Investment Managers Pvt. Ltd. and BOI AXA Trusteeship
Services Pvt. Ltd.
These Companies are in the Business of Mutual Fund and Portfolio
Management. Bank of India is holding 51% Stake in both the Companies.
STCI Finance Limited.
STCI Ltd. is one of the leading Primary Dealers in the country. It was
established in 1994 with the objectives of widening the gilt and other debt
security market through development of a vibrant secondary market.
Bank of India with 29.96% holding is the single largest stakeholder
in STCI having Paid up Capital of ` 380 crores. The Company is an
associate company of Bank in terms of Accounting Standards 21 (AS21) of the Institute of Chartered Accountants of India. With growing
perception that Primary Dealership by itself is no longer an attractive
business, STCI decided to hive off the Primary Dealership business to
its new subsidiary namely STCI Primary Dealer Ltd. which commenced
its operations from 25th June 2007. The Subsidiary which started on a
cautious note has made steady progress since then. After formation
of subsidiary, STCI took up activities of IPO funding,margin funding,
commodity future trading, Asset Management,investments in short term
corporate loans / CP, equity trading etc. During FY 2013-14, PAT was at
` 91.44 crores as compared to ` 78.81 crores during FY 2012-13.
Star Union Dai-ichi Life Insurance Company Ltd. (SUDLife)
Bank of India, Union Bank of India and Dai-ichi Mutual Life Insurance
Company, Japan have formed Star Union Dai-ichi Life Insurance
Company to take advantage of the growing insurance market and to
provide quality assured insurance to its clients spread across the length
and breadth of the country. The company has commenced insurance
business since February 2009. BOI holds 48 % in the Companys paid
up Capital of ` 250 crores. Union Bank holds 26% stake and Dai-ichi
Mutual Life Insurance Company, Japan holds 26% in addition to the
Banks stake.
51
/ BANK OF INDIA
NT
W EDGE E
L
(f)
(Mrs. V R Iyer)
Chairperson & Managing Director
NT
E E
M
YS
TAT
IBILIT
CTOR
S ES
PON
c)
b)
D E
IR
a)
ii)
BA
mount ( S
A
During the recent years Online Share Trading (OLST) has been gaining
popularity among Investors in the Stock Markets and the volumes traded
has been on an increase. With a view to meet the growing needs of
Banks customers and in order to provide them the comfort of trading in
securities on a mouse click, the Bank had launched Star Share Trade
(Online Share Trading) over phone facility by integrating Bank Account,
Demat Account and Trading Account of the customers under Tie up
arrangement with leading Stock Brokers M/s. Asit C Mehta Investment
Intermediates Limited (ACMIIL), the OLST facility is being offered since
2005. The facility has also been made available to the NRI clients for
filling of IPOs.
ACKNO
The Directors confirm that in the preparation of the annual accounts for
the year ended March 31, 2014,
(a) The applicable accounting standards had been followed along with
proper explanation relating to material departures, if any;
Place : Mumbai
52
/ BANK OF INDIA
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53
/ BANK OF INDIA
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erZ H$s IarX hoVw nwUo AmM{bH$ H$m`mb` Zo ogg hram~mB H$mdmOr
OhmJra o{S>H$b [agM BpQ>Q>yQ> H$mo `1 bmI H$m XmZ {X`m h&
6) am`nwa AmM{bH$ H$m`mb` Zo H$ebog mQ> dmBn H$mS> gw{dYm Wm{nV H$aZo
hoVw EAmBEEEg-am`nwa AnVmb H$mo `7.95 bmI H$m XmZ {X`m&
7) w~B X{jU AMb Zo Jar~ Ed O$aVX bmoJm| H$mo {Z:ewH$ {M{H$gm gw{dYm
XmZ H$aZo hoVw ~m~o o{S>H$b $mCSo>eZ H$mo `1 bmI H$m XmZ {X`m&
8) w~B X{jU AMb Zo fwImZX $mBZ AmQ>g ES> gJrV g^m H$mo O$aVX
bmoJm| H$s ghm`Vm H$aZo hoVw S>`m{b{gg g~Yr CnH$aUm| H$s IarX hoVw `3 bmI
H$m XmZ {H$`m&
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OZab hmpnQ>b Ho$ {bE ogg mV godm gK, hb H$mo `10 bmI H$m XmZ
{X`m&
10) H$mo`~mya AMb Zo Jar~ Ed O$aVX bmoJm| H$s godm H$aZo hoVw ogg eH$a
AmB Ho$`a BpQ>Q>yQ> H$mo `15 bmI H$m XmZ {X`m&
11) H$mohmnwa AmM{bH$ H$m`mb` Zo CnH$aU H$s IarX/ZE AmnaoeZ [WEQ>>a
(AmoQ>r) Ho$ {ZmU hoVw lr {g{ {dZm`H$ JUn{V H$ga hmpnQ>b H$mo `5 bmI
H$m XmZ {H$`m h&
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H$Z CnH$aUm| H$s IarX hoVw `3 bmI H$m XmZ {H$`m h&
arOm| H$s XoI^mb hoVw OoZgoQ> Ogo A` ghm`H$ CnH$aU 1) hmao Mo AMb Zo H|$ga go nr{S>V arOm| H$s XoI^mb n{bE{Q>d Ho$`a hoVw
CnH$aUm| H$mo MbmZo hoVw OoZgoQ> H$s IarX Ho$ {bE ogg lrmVm QQ> H$mo `4.22
bmI H$m XmZ {H$`m&
2) ZmJnwa-II AmM{bH$ H$m`mb` Zo Jar~m| Ed O$aVXm| H$mo ~mYma{hV godm
XmZ H$aZo Ho$ {bE AnnVmb Ho$ {bE OZaoQ>a H$s IarX hoVw dmr {ddoH$mZX
o{S>H$b {eZ H$mo `7.32 bmI H$m XmZ {H$`m&
emar[aH$ $n go {dH$bmJ `E{$`m| H$s ghm`Vm hoVw Cnm`
(1) hmao ZoeZb ~qH$J Jyn (X{jU) H$m`mb` Zo ear[aH$ $n go {dH$bmJ
pIbm{S>`m| Ho$ {bE ogg hrbMo`a o$pgJ o$S>aoeZ Am$ B{S>`m Ho$ m`
go 25 hrbMo`a hoVw `1.25 bmI H$m XmZ {H$`m&
hmao w~B X{jU AMb mam ZoeZb Egmo{gEeZ Am$ bmBS>, B{S>`m Ho$
m` go `8.75 bmI H$s bmJV na 25 ~oba CnbY H$am`m&
54
/ BANK OF INDIA
(3) {Obm ZJa nm{bH$m Zo `oH$ ~H$ H$mo 3 Hy$b Am~{Q>V {H$E Wo MS>rJT>
AmM{bH$ H$m`mb` Zo B-b{ZJ CnbY H$admZo Ho$ {bE nmZrnV Ho$ 3
`y{Z{gnb/gaH$mar Hy$bm| H$mo `1.38 bmI XmZ {H$`m&
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H$yQ>a dmbo H$yQ>a b~ H$s WmnZm Ho$ {bE `1.76 bmI H$m XmZ {H$`m
{Oggo `h gw{dYm {ZZ Am` dJ Ho$ n[admam| Ho$ ~m| H$mo {b gHo$&
(5) w~B Cma AmM{bH$ H$m`mb` Ho$ O[aE JoQ>a w~B E`ybHo$eZ gmogm`Q>r
(OrEBEg) Hy$b H$mo ImgH$a gmO Ho$ {ZMbo Va Ho$ N>mm| H$mo ~ohVa {ejm
XoZo Ho$ {bE BQ>aopQ>d Edr CnH$aU H$s IarX hoVw `7.50 bmI {XE JE&
Hy$b OmZo dmbo ~m| Ho$ Im Ama nmofU Ho$ {bE nhb
(1) JmYrZJa AmM{bH$ H$m`mb` Zo hmao grES>r Ho$ O[aE gaH$mar ghm`Vm m&
Hy$mbm| Ho$ Hyy$br ~m| Ho$ ~rM Im {dVaU Ho$ {bE JmS>r IarXZo hoVw ogg
Aj` nm H$mo `9.75 bmI XmZ {XE JE&
(2) w~B X{jU AmM{bH$ H$m`mb` Zo gw{dYm go d{MV gmO Ho$ Hy$br ~m| H$mo
{S>-So> rb XoZo Ho$ {bE ogg BH$mZ y$S> [abr$ $mCSo>eZ, VmS>Xod H$mo `4
bmI XmZ {H$E&
(3) gmO Ho$ gw{dYm go d{MV dJ Ho$ Hy$br ~m| H$mo {S> So> rb XoZo Ho$ {bE
Zdr w~B AMb Zo ogg o godm {hbm S>b (H$`mmoU) H$mo `2.25 bmI
{XE&
{hbm N>mmAm| H$s gwajm Ho$ {bE H$s JB nhb
N>mmAm| Ho$ {bE gw~h VWm Xoa amV H$mo hmoQ>b Ama {dm[dmb` n[aga Ho$
~rM `mVm`mV Ho$ {bE Q>ma ~g IarXZo hoVw H$mobH$mVm AmM{bH$ H$m`mb` Zo
H$`mUr {d {dmb` H$mo `12.50 bmI XmZ {XE&
l ^yVnyd g{ZH$m| Ho$ {dYdmAm| Ama n[admam| H$s XoI^mb/Ama ge ~b
H$m {hgm ~ZZo dmbo Cma-nyd Ho$ {dm{W`m| Ho$ {ejU | {H$E JE
nhb
(1) ^yVnyd g{ZH$m| Ho$ emoH$gV n[admam| Ho$ H$`mU H$s XoI^mb H$aZo dmbo ogg
g{ZH$ ^maVr y{ZQ>r $mCSo>eZ H$mo Zdr w~B AmM{bH$ H$m`mb` Ho$ O[aE
`0.81 bmI XmZ {H$`m J`m&
(2) ogg g{ZH$ Hyo$b, B$mb H$mo Q>rEQ>r 407 Ogo m${V {nH$-An dZ H$s
IarX Ho$ {bE JwdmhmQ>r AmM{bH$ H$m`mb` mam `4 bmI H$m XmZ {H$`m J`m&
n`mdaU H$s XoI^mb hoVw H$s JB nhb
JmrU jom| | `950/- {V Q>mod H$s Xa go 11000 ~m`moJg (YwAm a{hV)
Q>mod H$s IarX Ama {dVaU hoVw Oyar br JB Ama gpgS>r g{OV H$s JB
{OgH$m Hw$b y` `104.50 bmI h&
{ejU VWm H$meb {dH$mg | H$s JB nhb
^wdZoa AmM{bH$ H$m`mb` Ho$ O[aE Jar~r aoIm go ZrMo dmbo Eggr/
EgQ>r Ama N>mm| H$mo H$yQ>a na S>mQ>m EQr AmnaoeZ {gImZo Ho$ {bE ogg
goMw[a`Z `y{Zd{gQ>r Am$ Q>oH$ ZoO|Q> H$mo `10 bmI H$m XmZ {X`m J`m&
l ~ohVa {Z`moOZ Ho$ Adga/dX{Z`moOZ Ho$ {bE H$meb {dH$mg Ho$ O[aE
`wdmAm| Ho$ ge{$H$aU Ho$ {bE H$s JB nhb
(1) ~rAmoAmB Zo Q>ma dJamoOJma {ejU gWmZ (EgEgnrEg) AmagoQ>r JmrU
d-amoOJma {ejU gWmZ Ama^ {H$`m h& JmrU `wdmAm| H$mo {ejU
XoZo Ho$ b` go JmrU {dH$mg mb` (EAmoAmaS>r) mam Omar {Xem{ZX}
em| Ho$ AZwgma hmao ~H$ mam AmagoQ>r Wm{nV H$s JB h {Oggo H$s do AnZr
`mdgm{`H$ {ejU H$mo g$bVmnydH$ nyam H$aZo Ho$ ~mX AN>o Cr Ho$ $n
| C^ao Ama ~H$ H$s hS>nhmopS>J ghm`Vm Ho$ O[aE Am{WH$ J{V{d{Y`m Ama^
H$a gH|$&
(2) ^maV gaH$ma Ho$ {Xem{ZX}em| Ho$ AZwgma ~rAmoAmB Zo CgHo$ AJUr {Obm| |
43 AmagoQ>r Imobr h& Ama{^H$ AdWmX Ho$ XmamZ hmao AJUr ~H$ {Obm|
| A` ~H$m| Zo gmV OJhm| | AmagoQ>r Imobr Wr& Cgr H$ma hmao ~H$ Zo ^r
43 AmagoQ>r | go EH$ ~mamgmV (n{ ~Jmb) | Imobr Omo hmao AJUr ~H$
{Obo Ho$ ~mha h&
(3) AmagoQ>r`m| Ho$ {Z~mY Ama ^mdembr T>J go H$m` H$aZo | wI ~mYmE {ZZ
H$ma h (H$) am>r` JmrU {dH$mg gWmoZ (EZAmBAmaS>r) H$s eVm] Ho$
AZwgma n`m mZde{$ Ama A` gaMZmH$ T>mMo H$s AZwnbYVm; (I)
n`m gH$m` Ama A` ghm`H$ Q>m$ H$s H$r Ho$ H$maU BZ AmagoQ>r`m| |
n`m g`m o {ejU g Zht Xo nmZm&
(4) Cn`w$ Xm| H$mo gwbPmZo Ho$ {bE ~moS> mam gemo{YV Zr{V {Xem{ZX}em| H$mo
AZwmo{XV {H$`m J`m h& Zr{V | {d{^ nXm| Ho$ {bE gemo{YV nm[al{H$ h
Ama AmagoQ>r gd`H$ H$m Z`m nX ~Zm`m J`m h&
(5) ~H$ Zo ZeZb AH$mXr Am$ AmagoQ>r (EZEAma) ~Jbmoa Ho$ {ZXoem| Ho$
AZwgma AmagoQ>r Ho$ ^mar/{ZXoeH$m| Ho$ {bE hmb hr | 28 $adar Ama 1
mM 2014 H$mo ES>rAmB ~obmnwa | Xmo {Xdgr` H$mbhr d H$m Am`moOZ
{H$`m& BgH$s A`jVm H$m`nmbH$ {ZXoeH$ mam H$s JB Ama JmrU {dH$mg
mb` Ho$ Cn g{Md; w` gd`H$, EZEAma; hm~YH$ ({d.gmdoeZ)
VWm A` .H$m. {dmrf` gmdoeZ Ho$ A{YH$m[a`m| mam gh^m{JVm H$s JB&
AmagoQ>r`m| Ho$ H$m` | gwYma bmZo Ho$ {bE H$m$s {dMma {de Ama MMmAm| Ho$
~mX {Xem{ZX}e V`ma {H$E&
AnZo {dm ~YZ Ama Ho${S>Q> gbmh hoVw bmoJm| H$mo {e{jV H$aZo hoVw H$s
JB nhb
gmdO{ZH$ jo Ho$ ~H$m| | ~rAmoAmB nhbm ~H$ h {OgZo gmO Ho$ {nN>S>o Ama
A{e{jV dJ H$mo {Z:ewH$ Ho${S>Q> name godm XoZo Ho$ {bE A^` ZmH$ `mg
Wm{nV H$a gm{OH$ nhb H$s& A^` H$m W H|$ ^maVr` [aOd ~H$ Ho$ VH$mbrZ
JdZa S>m. dmB.dr.ao>r Ho$ H$aH$bm| go {XZmH$ 7 {gV~a, 2006 H$mo w~B | Ama^
{H$`m J`m& AJUr ~H$ Ho$ $n | AnZr {Oo Xmar H$m dhZ H$aVo hE ~rAmoAmB Ho$
A~ 6 A^` H|$ Ed 54 {dmr` {ejm H|$ (E$Ebgr) h& AJUr ~H$ Ho$ab am`
Ho$ {ZXoemZwgma, Hw$b 54 | go {ZZ{bpIV 3 {dmr` {ejm H|$ (E$Ebgr) dVmZ
{dmr` df | AJUr {Obo Ho$ ~mha Imobo JE h :i) H$S>emH$S>dw, {Obm Veya (Ho$ab AMb)
ii) n$a, {Obm EUmHw$b (Ho$ab AMb)
iii) nwUo, {Obm nwUo (nwUo AMb)
EgEb~rgr H$ZmQ>H$ mam ~H$ H$mo ~|Jbw$ | ^r A^` AVJV E$Ebgr ImobZo Ho$
{ZXoe {XE JE h, Omo {H$`m{YZ h&
{ZZ{bpIV H$m`m] H$mo {dVV H$aZo Ho$ Co` go E$Ebgr H$m Ama^ {H$`m J`m h :
H$) ~qH$J g{hV ga{MV {dmr` `dWm H$mo EgoEg H$aZo g~Yr OmZH$mar mam
{dmr` {ejm
I) {dmr` name AWmV nwZ^wJVmZ ^ma H$mo dhZ H$aZo | gKf H$a aho bmoJm| H$mo
name XoZm Ama F$U g~Yr g`m H$m gmYmZ H$aZm&
55
/ BANK OF INDIA
J) naoemZr | {Kao CYmaH$VmAm| H$mo AnZo gmm` XZ{XZ OrdZ H$mo nwZ:Wm{nV
H$aZo hoVw gj ~ZmZo Ho$ {bE CZHo$ nwZdmg | ghm`Vm H$aZm&
K) gmO Ho$ H$Omoa dJ Ed {H$gmZm| Ho$ {bE {deof {dmr` {ejm
L>) ao{S>Amo Ed Q>o{b{dOZ na dmVmbmn
M) nameXmVmAm| mam AJUr gmMmanm| | {dmr` {ejm na AmboI {bIo OmZm
N>) gmYmaU OZVm H$mo F$U MJwb Ho$ ^moJ ~ZZo go OmJ$H$ ~ZmZo Ho$ {bE ~H$
{dmr` gmjaVm Ed {ejm na {Z:ewH$ go{Zmam| H$m Am`moOZ H$a ahm h&
O) {d{^H$ EZOrAmo Ho$ m` go F$U/Ho${S>Q> H$mS> Ho$ Cn`moJ, B`mo{X go hmo ahr
A{Ve` F$U ~m`Vm Ho$ OmopI Ho$ ~mao | OmJ$H$Vm $bmZm&
hmao mOyXm E$Ebgr go g~{YV {dVV OmZH$mar `Wm 31.12.2013
H$.g.
i
ii
{ddaU
E$Ebgr H$s Hw$b g`m
nameXmVm (godm{Zdm ~H$ H$Mmar) mam A`{jV
`moam
54
36
(headed)
56
/ BANK OF INDIA
For lighting up the lives of Rural and tribal folks in India, our
Bank has sanctioned / funded Solar street lighting programme and setting up a
network of hand pump sets through an NGO doing
such activities, providing 60 Solar street Lamps and 53
Hand pump sets at select points in the notified backward
area and one of Banks Lead district - Barabanki by our
Lucknow Zonal Office, amount spent Rs. 33 lakhs.
57
/ BANK OF INDIA
5. Pune Zonal office donated ` 1 lakh to M/s. Hirabai Cowasji Jehangir Medical Research Institute, for purchase of
Peripheral quantitative computed tomography machine
for checking quality of bones.
6. Raipur Zonal office provided funds to AIIMS-Raipurto the extent of ` 7.95 lakhs for establishing Cashless
smart swipe card facility at the Hospital.
7. Mumbai South Zone donated ` 1 lakh to Bombay Medical Foundation for providing free medical facility to poor
and needy;
8. Mumbai South Zone also donated ` 3 lakhs to Shanmukhananda Fine Arts and Sangeetha Sabha for purchase of Dialysis related equipments for providing affordable medical assistance to the needy.
Initiative in the care of Students- (Girls / tribals / economically & socially challenged)
1. Blankets provided to under privileged Girl school
children of M/s. Gola Balika Vidyala Gola, Jharkhand,
a cost of ` 0.55 lakhs by our NBG Jharkhand.
care
1. Our Chennai zone donated ` 4.22 lakhs sanctioned to
M/s Sri Matha Trust-for purchase of Genset for running
equipments to look after cancer patients palliative care.
58
/ BANK OF INDIA
Initiative in Improving quality of education through
technology for underprivileged students / others
1. Leveraged technology for introduction of better teaching
techniques Provided Interactive learning AV projector,
screens, PCs (22 no at a ` 16 lakhs to Shri Mogaveera
Vyavasthapak Mandal and effected through Mumbai
North Zonal office,
59
/ BANK OF INDIA
Details
54
36
18
j)
1,38,419
2,09,541
` 100 Lacs
i)
60
/ BANK OF INDIA
4.
5.
6.
7.
8.
9.
bmJy Zht
1.
2.
www.bankofindia.co.in
4.
5.
6.
3.
Headoffice.god@bankofindia.co.in
:
:
2013-14
~qH$J Ama {dmrm` godmE (H$moS>dma
Ammo{JH$ J{V{d{Y)
7.
8.
9.
Number (CIN)
of the Company
Name of the
Company
Registered address
Website
E-mail id
Financial Year
reported
Sector(s) that the
61
Not Applicable
: BANK OF INDIA
: Star House, C-5, G Block, Bandra
Kurla
Complex,
Bandra
East,
Mumbai-400 051
www.bankofindia.co.in
Headoffice.god@bankofindia.co.in
: 2013-14
: Banking
&
Financial
Services
Company is engaged in (industrial
activity code-wise)
: The Bank provides a wide range of
products and services to its customers,
thereby serving various needs and
aspirations. Some of the key products
offered are Deposits, Advances, Third
Party Products, Forex, Treasury.
:
/ BANK OF INDIA
ii)
10.
1.
2.
3.
4.
10.
1.
2.
3.
4.
: `
: `
643 Crore
42220 Crore
2729 Crore
62
/ BANK OF INDIA
5.
E. dH$pnH$/ZdrH$aUr` COm
~r. nrZo `mo` nmZr
gr. dm
S>r. {M{H$gm gw{dYm
B. emar[aH$ $n go Aj H$s ghm`Vm
E$. d[a> ZmJ[aH$m|/A^mdJVm| H$s
ghm`Vm
Or. {ejm
EM. Im VWm nmofU
AmB. {hbmAm| H$s gwajm
Oo. godm{Zdm bmoJm| Ho$ n[adma H$s
ghm`Vm
Ho$. n`mdaU
Eb. {ejU Ama H$meb {dH$mg
E$. h[aV nhb
^mJ gr : A` {ddaU
H$.g.
1.
2.
3.
4.
5.
a Alternate/Renewable Energy
b Potable Water
c Healthcare
d Medical Facilities
e Helping Physically Handicapped
f
Helping
Senior
Destitutes
Citizens
g Education
h Food & Nourishment
i Women Safety
j Supporting Families
Servicemen
of
Ex-
k Environment
l Training & Skills Development
m Green Initiatives
1.
List of activities in
which expenditure in
4 above has been
incurred:-
DIN Number
Name
: N.A
Designation
{ddaU
`mam
S>rAmBEZ Z~a (`{X bmJy hmo) bmJy Zht
Zm
gw^mf M AamoS>m
nXZm
hm~YH$
Q>obr$moZ Z~a
022-66684444
headoffice.god@bankofindia.co.in
B-ob AmBS>r
63
Particulars
Details
1.
N.A
2.
Name
Subhash C. Arora
3.
Designation
General Manager
4.
Telephone number
022-66684444
5.
e-mail id
headoffice.god@bankofindia.co.in
/ BANK OF INDIA
2 {gmV dma (EZdrOr Ho$ AZwgma) ~rAma Zr{V/Zr{V`m (hm/Zht | Cma X|)
H$.
g.
2.
S.
No.
nr nr nr nr nr nr nr nr nr
1 2 3 4 5 6 7 8 9
hm
hm
1.
Yes
2.
Yes
3.
Questions
4.
5.
6.
7.
Yes
8.
Yes
9.
Yes
10.
Yes
nr nr nr nr nr nr nr nr nr
H$.
1 2 3 4 5 6 7 8 9
g.
1. H$nZr Zo {gmVm| H$mo Zhr gPm h
Zht
2. H$nZr Cg na Zht h Ohm dh
Zht
{Z{X>H$ {gmVm| na Zr{V`m ~ZmZo
VWm {H$`mpdV H$aZo H$s pW{V
| hmo
1.
2.
64
Questions
The company has not
understood the Principles
The company is not at a
stage where it finds itself in
a position to formulate and
implement the policies on
specified principles
P
1
P
2
P
3
P
4
P
5
No
No
P
6
P
7
P
8
P
9
/ BANK OF INDIA
Zht
3.
N.A.
hm
4.
It is planned to be done
within next 6 months
N.A.
5.
It is planned to be done
within the next 1 year
6.
3. Governance related to BR
Corporate Governance is an
integral part of the Bank and
it fully understands its role in
good management. The Banks
: accountability policy covers
Does it extend to the Group/
Joint Ventures/Suppliers/
ethics,
bribery,
corruption
Contractors/ NGOs/Others?
and related issues. It extends
to Group/ Joint Ventures/
Suppliers/Contractors/NGOs
and Others.
2. How many stakeholder complaints have been received in the past
financial year and what percentage was satisfactorily resolved by
the management? If
a) No. of complaints pending at the beginning of the year : 12
:
: 3565
: 3513
: 64
: 98.21%
% of complaints resolved.
Principle 2
1.
i.
65
/ BANK OF INDIA
ii
ii
iii
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{H$E JE ggmYZ (D$Om, nmZr, H$o mb Am{X) Ho$ ~mao | {ZZ{bpIV `mam X|:
i. d`y MZ Ho$ ew go AV VH$ {dJV df go gmo{gJ/CnmXZ/{dVaU Ho$ XmamZ
hB H$r?
: bmJy Zht
ii. {dJV df H$s VwbZm | JmhH$m| mam Cn`moJ (D$Om, nmZr) Ho$ XmamZ hB H$r ?
: bmJy Zht
3. Wm`r gmo{gJ Ho$ {bE H$nZr Ho$ nmg H$m`{d{Y h (Tw>bmB g{hV)
i. `{X hm Vmo, AmnHo$ BZnwQ> H$m {H$VZm {VeV Wm`r n go gmog {H$`m
: bmJy Zht
J`m?
emImAm| mam `moJ H$s bJ^J g^r dVwE WmZr` $n go br OmVr
h& g^r godm emImAm| Ho$ ~rM {dVaU Ho$ {bE nmaXeu ~mobr {H$`m Ho$
gmog Ho$ O[aE go WmoH$ | IarXr OmVr h&
4. `m H$nZr CZHo$ H$m`jo Ho$ Amgnmg Ho$ gyh g{hV WmZr` Ama N>moQ>o CnmXH$m|
go gmmZ Ama godmE boZo hoVw H$moB H$X CR>mVo h?
`{X hm Vmo, WmZr` Ama N>moQ>o {dHo$VmAm| H$s jVm Ama `mo`Vm H$mo gwYmaZo Ho$
{bE `m H$X CR>mE JE h?
hm, Ohm VH$ g^d h bmJV H$mo KQ>mZo Ho$ {bE g~go ZOXrH$s {~Xw go gmo{gJ
H$s OmVr h&
5. `m H$nZr Ho$ nmg CnmX Ama Ad{e H$mo argmBH$b H$aZo H$s {H$`m h? `{X
hm Vmo CnmX Ama Ad{e> H$m {H$VZm {VeV argmBH$b {H$`m OmVm h (nWH$
n | 5%, 5-10%, 10%). H$ar~ 50 eXm| | BgH$m `mam X|&
2.
3.
i.
ii.
: N.A
4.
Has the company taken any steps to procure goods and services
from local & small producers, including communities surrounding
their place of work? If yes, what steps have been taken to improve
their capacity and capability of local and small vendors?
4.
5%
{gmV 3
: N.A
5%
Principle 3
1.
2.
AWm`r/R>oHo$ na/AmH$pH$
AmYma na {bE JE Hw$b
H$Mm[a`m|
H$s
g`m
~VmE
3.
1.
2.
3.
66
/ BANK OF INDIA
4.
5.
hm
6.
bJ^J 100%
7.
H$. dJ
{dmro` df Ho$ XmamZ XO
g.
{eH$m`Vm| H$s g`m
1. ~mb
H$moB Zht
l/~oJmar/
A{ZNw>H$ l
2. `mZ CnrS>Z H$moB Zht
3. njnmVr
H$moB Zht
{Z`moOZ
8. {dJV df | {ZZZ{bpIV H$Mm[a`m| | go
H$meb C`Z {ejU {X`m J`m?
l Wm`r H$Mmar
l Wm`r {hbm H$Mmar
l AmH$pH$/AWm`r/R>oHo$ Ho$ H$Mmar
l AnJVm dmbo H$Mmar
{gmV 4
1.
Cn`w$ | go `m H$nZr
Zo gw{dYmhrZ, gdoXZerb
Ama grmV eo`aYmaH$m| H$mo
{MphV {H$`m h
`m gw{dYmhrZ, gdoXZerb
Ama
A{YH$mahrZ
eo`aYmaH$m| H$mo em{b H$aZo
Ho$ {bE H$nZr mam {deof
nhb H$s JB h&
4.
H$moB Zht
H$moB Zht
{H$VZo {VeV H$mo gwajm Ama
: 32710 (76%)
: 8818 (96%)
:
258 (56%)
:
369 (51%)
S.
No.
Category
No of
No of complaints
complaints
pending as
filed during the
on end of the
financial year
financial year
1.
Child labour/forced
labour/involuntary labour
None
None
2.
Sexual harassment
None
None
3.
Discriminatory
None
None
employment
8. What percentage of your under mentioned employees were given
safety & skill up-gradation training in the last year?
Permanent Employees
: 32710 (76%)
8818 (96%)
Casual/Temporary/Contractual Employees :
258 (56%)
369 (51%)
Principle 4
1.
67
Has the company : The Bank has clearly mapped its internal
and external stakeholders. Categories
mapped its internal
and external stakeof shareholders include Government,
holders?
Foreign Institutional Investors, Financial
Institutions,
Insurance
Companies,
Mutual Funds, Banks and Retail
(Individuals). As for Customers, they
are grouped as large corporate, midcorporate, small and medium enterprises
and retail customers. The Bank has
focussed branches to cater to these
groups. _ Further the CSR activites
reach out to various groups wherever
the Bank has a presence. The internal
stakeholders, the employees of the
Bank are looked after by the Human
Resources Department.
Out of the above, : Yes. The Bank caters to the economically
has the company
and socially underprivileged customers,
identified the disadsmall farmers and businessmaen,
vantaged,
vulnerwomen groups, tribal populations etc,
able & marginalized
by providing micro-finance, small loans,
stakeholders.
credit under special credit schemes such
as Kisan Credit Card etc.
Are there any spe- : Yes it is done through various initiatives
cial initiatives taken
for internal stakeholders to this section,
by the company to
To give them economic benefits as well as
engage with the dissupport causes for better understanding.
advantaged, vulnerable and marginalized stakeholders.
/ BANK OF INDIA
{gmV 5
1. `m mZd A{YH$ma na H$nZr H$s Zr{V Ho$db
: g^r Ho$ {bE,
H$nZr H$mo H$da H$aVr h `m gyh/g`w$
nmaXeu Umbr Ho
Cm|/Amny{VH$VmAm|/R>oHo$Xmamo/EZOrAmo/A`m| Ho$ O[aE
{bE ^r {dVm[aV H$s JB h?
2. {dJV {dmr` df Ho$ XmamZ eo`aYmaH$m| go {H$VZr : ~H$ Zo 98.21%
eH$m`Vo m hB Ama ~YZ mam {H$VZo {VeV {eH$mVm| H$m {ZnQ>mZ
H$m gVmofOZH$ T>J go {ZdmaU {H$`m J`m? H$a {Xm h&
{gmV 6
1. `m {gmV 6 go g~{YV Zr{V Ho$db H$nZr H$mo : H$nZr Ama H$nZr
H$da H$aVr h `m gyh/g`w $ C/Amny{VH$VmAm|/ Ho$ gmW boZ-XoZ
R>oHo$Xmamo/EZOrAmo/A` Ho$ {bE ^r {dVm[aV H$aZo dmbo g^r H$m
H$s JB h& H$da H$aVr h.
2. `m H$nZr Ho$ nmg d{H$ n`mdaU Ho$ wm| Ogo : `h godm CmoJ
~XbVm mg, bmo~b dm{J B`m{X H$mo nVm hmoZo Ho$ H$maU H$moB
bJmZo Ho$ {bE aUZr{V`m/nhbo h? {d{e> nhb Zht h.
hm/Zht, `{X hm Vmo H$n`m do~noO Am{X Ho$ {bE
hmBna qbH$ X|&
: hm
3. `m H$nZr g^m` n`mdaU OmopIm| H$s
nhMmZ Ama AmH$bZ H$aVr h?
4. `m H$nZr Ho$ nmg bsZ So>dbnoQ>
: Zht
oHo${Z go g~{YV H$moB n[a`moOZm h?
`{X hm Vmo H$ar~ 50 eXmo | `moam X|& gmW hr
`{X hm Vmo `m n`mdaU AZwnmbZ [anmoQ> $mBb H$s OmVr h?
5. `m H$nZr Zo bsZ Q>oZmobmOr, D$Om XjVm, : Or hm, D$Om
Aj` D$Om Am{X na H$moB A` nhb H$s h& hm/ XjVm H$s YmaUm H$mo
Zht& `{X hm Vmo do~noO Am{X H$m hmBnaqbH$ X|& {H$`mpdV {H$`m Om
ahm h&
6. `m [anmoQ> {H$E Om aho {dmr` df Ho$ {bE : bmJy Zhr, `m| {H$ `h
H$nZr mam OoZaoQ> {H$E Om aho B{eZ/Ad{e> godm CmoJ h
grnrgr~r/Egnrgr~r mam Xr JB AZwV grm
Ho$ AXa h?
7. {dmr` df Ho$ AV | grnrgr~r/Egnrgr~r go : H$moB Zht
m H$maU ~VmAmo/H$mZyZr Zmo{Q>gm| H$s g`m,
Omo b{~V (AWmV gVmofnyU {ZdmaU Zht hAm) h
{gmV 7
1. `m AmnH$s H$nZr {H$gr QoS> Ama Mo~a AWdm gK H$s gX` h? Ho$db CZ
wI H$m Zm X| {OgHo$ gmW AmnH$m H$mamo~ma g~Yr boZXoZ hmoVm h: hm
H$. ^maVr` ~H$ gK (AmB~rE)
I. ^maVr` ~qH$J Ama {dm gWmZ (AmBAmB~rE$)
J. ~qH$J H$m{H$ M`Z gWmZ (AmB~rnrEg )
K. am>r` ~H$ ~Y gWmZ (EZAmB~rE)
2. `m AmnZo Cn`w$ gK Ho$ O[aE OZVm H$s ^bmB H$s : hm, ~H$ Zo
C{V Ama gwYma hoVw dH$mbV/Mma {H$`m h?
Hw$N> Zr{Vm
gwPmB h
{Oggo gmO
H$mo bm^ hmoJm&
68
has
that
the
/ BANK OF INDIA
{gmV 8
1.
2.
`m BZ-hmCg Q>r/AnZm
AmYma/~m EZOrAmo/gaH$mar
gaMZm/A` {H$gr gJR>Z
mam H$m`H$/n[a`moOZm ew
h?
3. AmnZo AnZr nhb Ho$ ^md
H$m H$moB AmH$bZ {H$`m h?
4. gwXm` {dH$mg n[a`moOZm
| AmnH$s H$nZr H$m `j
AeXmZ `m h? ^maVr`
nE | aH$ Ama ew H$s
JB n[a`moOZm H$m `mam
5. `m AmnZo `h gw{Z{V
H$aZo Ho$ {bE Eogo H$X
CR>mE h {H$ gwXm` mam Bg
gwXm` {dH$mg nhb H$mo
g$bVmnydH$ AnZm`m OmE?
H$n`m H$ar~ 50 eXm| |
n H$a|&
{gmV 9
Principle 8
:
Zht
Principle 9
1.
: bmJy Zht
3.
: H$moB Zht
4.
/ BANK OF INDIA
CORPORATE GOVERNANCE
Banks Philosophy on code of Governance :
Executive Director
Executive Director
Shri K.K.Nair
Shri R. L. Bishnoi
Shareholder Director
Shareholder Director
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
Ho$XrZ` gaH$ma Ho$ Zm{Vr
Ho$Xr` gaH$ma Ho$ Zm{Vr
^maVr` [aOd ~H$ Ho$ Zm{Vr
^maVr` [aOd ~H$ Ho$ Zm{Vr
Executive Director
Executive Director
Executive Director
Nominee of the Central Government
Nominee of the Central Government
Nominee of Reserve Bank of India
Nominee of Reserve Bank of India
Part-Time Non-Official Director
70
/ BANK OF INDIA
All directors, other than the Chairperson & Managing Director and the
Executive Directors, are non-executive Directors on the Board.
H|$r` gaH$ma mam {Z`w$ AeH$m{bH$ AemgH$s` {ZXoeH$m| (H|$r` gaH$ma Ho$
A{V[aV) Ama eo`aYmaH$m| H$m {V{Z{Yd H$aZo dmbo {ZXoeH$ gyMrH$aU H$ama Ho$
IS> 49 Ho$ AW Ho$ AVJV dV {ZXoeH$ h&
71
/ BANK OF INDIA
{ZXoeH$m| Ho$ Zm
Name of Directors
SR.
No.
A` H$n{Z`m| | {ZXoeH$ nX
Member of Board
Committees
Holding Appointment
as Director
of
Banks
Equity
shares
05.11.2012
Smt.V.R.Iyer
gX`
~qH$J
Banking
18.06.2012
~qH$J
Banking
05.08.2013
Shri Arun
Shrivastava
4. lr Ama.H$moQ>raZ
05.08.2013
26.07.2013
13.03.2014
17.10.2011
800
04.05.2011
18.10.2013
Shri R. L. Bishnoi
emgZ
~qH$J
boIm
~qH$J
boIm
Accounting
600
18.07.2012
Shri A. M. Pereira
Shri P.M.
Sirajuddin
Banking
9. lr Ama.Eb.{~ZmoB
11. lr nr.E.{gamOwrZ
Accounting
Shri K K Nair
10. lr E.E.naoam
Banking
8. lr Ho$.Ho$.Zm`a
~qH$J
Administration
Shri S. S. Barik
7. lr ZraO ^m{Q>`m
Banking
Shri Anup
Wadhawan
6. lr Eg.Eg.~m[aH$
Banking
Shri R.
Koteeswaran
5. lr AZyn dYmdZ
~qH$J
3. lr AU lrdmVd
A`j
Member Chairman
1.
2.
3.
4.
5.
6.
2. lr {~.nr. em
~qH$J
Banking
600
25.10.2011
72
/ BANK OF INDIA
H$.
g.
{ZXoeH$m| Ho$ Zm
Name of Directors
SR.
No.
A` H$n{Z`m| | {ZXoeH$ nX
Member of Board
Committees
Holding Appointment
as Director
of
Banks
Equity
shares
200
25.10.2011
{~OZog mogog
ZoO|Q>
$m`Zpe`b
g{dgoO
Shri Pramod
Bhasin
Business Process
Management,
Financial
Services
100
gX`
A`j
Member Chairman
25.10.2011
{d{Y
1) EZS>rQ>rdr {b.
2) S>rEbE$ {b.
3) EgAmaE$ {b.
4) X pH$b AHo$S>r {b.
1.
2.
3.
4.
NDTV Ltd.
DLF Ltd.
SRF Ltd.
The Skill Academy Ltd.
gyMrH$aU H$ama Ho$ IS> 49 Ho$ AZwnmbZ |, ~H$ Zo Ho$db boIm narjm g{{V Ama
eo`aYmaH$/ {ZdoeH$ {eH$m`V {ZdmaU g{{V H$s A`jVm/gX`Vm na {dMma
{H$`m h&
~moS> H$s ~R>H$m| H$m gMmbZ :
df Ho$ XmamZ, {ZZ{bpIV VmarIm| H$mo ~moS> H$s Hw$b 12 ~R>H|$ Am`mo{OV H$s JB:
17.04.2013
18.11.2013
13.05.2013
17.12.2013
20.06.2013
17.01.2014
Smt. V. R. Iyer
12
12
01.04.2013 to 31.03.2014
10
12
01.04.2013 to 31.03.2014
05.08.2013 to 31.03.2014
Shri R. Koteeswaran
05.08.2013 to 31.03.2014
Shri N. Seshadri
01.04.2013 to 30.04.2013
Name of Directors
Attendance Recorded
73
Ad{Y go VH$
/ BANK OF INDIA
[ZXoeH$m| Ho$ Zm
Name of Directors
Attendance Recorded
3
lr E. Eg. amKdZ Shri M.S.Raghavan
Shri
Anup
Wadhawan
5
lr AZyn dYmdZ
Shri
Umesh
Kumar
3
lr Coe Hw$ma
Shri S. S. Barik
1
lr Eg.Eg.~m[aH$
Shri
P.R.
Ravi
Mohan
9
lr nr. Ama. a{d mohZ
Shri Neeraj Bhatia
11
lr ZraO ^m{Q>`m
Shri
K.
K.
Nair
11
lr Ho$.Ho$. Zm`a
6
lr Ama.Eb.{~ZmoB Shri R. L. Bishnoi
Shri
Harvinder
Singh
10
lr haqdXa qgh
Shri A. M. Pereira
11
lr E. E. naoam
Shri
P.M.
Sirajuddin
12
lr nr. E. {gamOwrZ
Shri Pramod Bhasin
8
lr moX ^grZ
Shri
Umesh
Kumar
Khaitan
9
lr Coe Hw$ma IoVmZ
{ZXoeH$m|/H$m`nmbH$m| H$s g{{V/Cn g{{V
H$mnm}aoQ> emgZ Ama OmopI ~YZ na ^maVr` [aOd ~H$/go{~/^maV gaH$ma Ho$
{Xem{ZX}em| Ho$ AZw$n H$m`Zr{VH$ hd dmbo Ho$ {d{^ jom| na `mZ XoZo hoVw ~H$
Ho$ {ZXoeH$ S>b Zo {ZXoeH$m| Ed/`m H$m`nmbH$m| H$s {d{^ g{{V`m| H$m JR>Z {H$`m
h& `o hdnyU g{{V`m {ZZmZwgma h :1. ~moS> H$s ~YZ g{{V
2. ~moS> H$s F$U AZwmoXZ g{{V
3. ~moS> H$s boIm narjm g{{V
4. eo`a YmaH$ {ZdoeH$m| H$s {eH$m`V {ZdmaU g{{V
5. eo`a AVaU g{{V
6. OmopI ~YZ hoVw {ZXoeH$m| H$s g{{V
7. JmhH$ godmAm| hoVw {ZXoeH$m| H$s g{{V
8. {ZXoeH$m| H$s nm[al{H$ g{{V
9. {ZXoeH$m| H$s ZmmH$Z g{{V
10. H$mamo~ma grjm g{{V 1
11. {Zdoe AZwmoXZ g{{V
12. ~So> y` H$s YmoImY{S>`m| H$s {ZJamZr
13. AmBQ>r H$m`Zr{V g{{V
14. {ZXoeH$m| H$s nXmo{V g{{V
~moS> H$s ~YZ g{{V :
~moS> H$s ~YZ g{{V H$m JR>Z ~H$H$mar H$nZr (CnH$m| H$m AOZ Ama AVaU)
A{Y{Z`, 1970 Ho$ mdYmZm| Ho$ AZwgma {H$`m J`m h Ama dh {dmr` drH${V`m|,
gPmVm|/~>m Vmdm|, dmX/Anrb Xm`a H$aZo Am{X Ho$ g~Y | ~moS> H$mo m g^r
A{YH$mam| H$m `moJ H$aVr h& `Wm {XZmH$ 31.03.2014 H$mo Bg g{{V | 9 gX`
Wo {OZ| A`>j Ed ~Y {ZXoeH$, 3 H$m`nmbH$ {ZXoeH$, gZXr boImH$ma {ZXoeH$,
^maVr` [aOd ~H$ Ho$ Zm{Vr Ama 3 AeH$m{bH$ AemgH$s` {ZXoeH$ em{b h&
df Ho$ XmamZ ~moS> ~YZ g{{V H$s {ZZn{bpIV VmarIm| H$mo 22 ~R>H|$ hB :
17.04.2013
01.08.2013
17.12.2013
25.03.2014
06.05.2013
27.08.2013
24.12.2013
29.05.2013
16.09.2013
13.01.2014
Ad{Y go VH$
01.04.2013 to 05.07.2013
26.07.2013 to 31.03.2014
01.04.2013 to 25.07.2013
13.03.2014 to 31.03.2014
11
01.04.2013 to12.03.2014
12
01.04.2013 to 31.03.2014
12
01.04.2013 to 31.03.2014
18.10.2013 to 31.03.2014
10
01.04.2013 to 31.01.2014
12
01.04.2013 to 31.03.2014
12
01.04.2013 to 31.03.2014
12
01.04.2013 to 31.03.2014
12
01.04.2013 to 31.03.2014
The Management Committee of the Board met 22 times during the year
on the following dates:
06.06.2013
20.06.2013
29.06.2013
18.07.2013
25.09.2013
19.10.2013
11.11.2013
30.11.2013
29.01.2014
18.02.2014
03.03.2014
12.03.2014
74
/ BANK OF INDIA
15
22
01.04.2013 to 31.03.2014
13
14
05.08.2013 to 31.03.2014
Shri R. Koteeswaran
11
14
05.08.2013 to 31.03.2014
Shri N.Seshadri
01.04.2013 to 30.04.2013
Shri M.S.Raghavan
01.04.2013 to 05.07.2013
Shri S. S. Barik
13.03.2014 to 31.03.2014
16
21
01.04.2013 to 12.03.2014
22
22
01.04.2013 to 31.03.2014
17
Name of Directors
Attendance Record
22
Ad{Y (go-VH$)
Shri K. K. Nair
16
lr
lr
lr
lr
Shri R. L. Bishnoi
01.04.2013 to 18.07.2014
08.11.2013 to 31.03.2014
19.01.2014 to 31.03.2014
10
01.04.2013 to 21.09.2013
Ama.Eb.{~ZmoB
haqdXa qgh
E. E. naoam
nr. E. {gamOwrZ
10
19.07.2013 to 18.01.2014
11
11
11
16
08.05.2013 to 07.11.2013
22.03.2014 to 31.03.2014
01.04.2013 to 01.07.2013
08.11.2013 to 31.03.2014
29.04.2013
09.07.2013
24.09.2013
07.12.2013
05.02.2014
{ZXoeH$m| Ho$ Zm
Name of Directors
Smt. V R Iyer
16.05.2013
17.07.2013
30.09.2013
21.12.2013
14.02.2014
29.05.2013
31.07.2013
18.10.2013
31.12.2013
25.02.2014
03.06.2013
14.08.2013
30.10.2013
10.01.2014
10.03.2014
15.06.2013
17.08.2013
11.11.2013
17.01.2014
18.03.2014
24.06.2013
02.09.2013
23.11.2013
23.01.2014
26.03.2014
Ad{Y
Attendance Record
36
Period
01.04.2013 to 31.03.2014
Shri B P Sharma
20
36
01.04.2013 to 31.03.2014
24
25
05.08.2013 to 31.03.2014
Shri R. Koteeswaran
20
25
05.08.2013 to 31.03.2014
Shri N. Seshadri
01.04.2013 to 30.04.2013
Shri M S Raghavan
01.04.2013 to 05.07.2013
75
/ BANK OF INDIA
13.05.2013
17.12.2013
20.06.2013
30.01.2014
26.07.2013
01.08.2013
24.09.2013
03.03.2014
The attendance record of the members is shown below:
Name of Directors
19.06.2013
Period
01.04.2013 to 31.03.2014
10
01.04.2013 to 31.03.2014
05.08.2013 to 31.03.2014
05.08.2013 to 31.03.2014
01.04.2013 to 30.04.2013
01.04.2013 to 05.07.2014
26.07.2013 to 31.03.2014
01.04.2013 to 25.07.2014
13.03.2013 to 31.03.2014
10
01.04.2013 to 12.03.2014
nr. E. {gamOwrZ
{~. nr. em
AU lrdmVd
Ama. H$moQ>raZ
E. Eg. amKdZ
Coe Hw$ma IVmZ
08.11.2013 to 31.03.2014
01.04.2013 to 07.11.2013
24.12.2013
lr
lr
lr
lr
lr
lr
Unaudited quarterly results of the Bank and audited results for the year
were reviewed by the Audit Committee of the Board prior to the placing
before the Board of Directors for adoption.
Stake holders relationship Committee (Shareholders Investors
Grievances Committee) :
For redressal of the grievances of the shareholders/ investors with regard
to the transfer of shares, non-receipt of Balance sheet, non-receipt of
dividends etc., a Shareholders / Investors Grievances Committee has
been constituted, in compliance with SEBI guidelines on Corporate
Governance and as provided in clause 49 of the Listing Agreement.
Investors grievances are normally attended to within seven days on
receipt of the relevant information. All the references/ complaints received
from the investors during the year have been replied / redressed till date.
The Committee comprises of Executive Directors and two independent
Directors. It is headed by Shri P M Sirajuddin, Shareholder Director of
the Bank.
Shri Rajeev Bhatia, Company Secretary, is the Compliance officer of the
Bank for this purpose.
The Committee met 4 times during the year on the following dates:
06.09.2013
Name of Directors
Ad{Y
{ZXoeH$m| Ho$ Zm
03.03.2014
Ad{Y
Attendance Record
4
4
2
Period
01.04.2013 to 31.03.2014
01.04.2013 to 31.03.2014
05.08.2013 to 31.03.2014
Shri R. Koteeswaran
Shri. M.S.Raghavan
3
1
3
1
05.08.2013 to 31.03.2014
01.04.2013 to 05.07.2013
01.04.2013 to 31.03.2014
Shri P. M. Sirajuddin
Shri B.P. Sharma
Shri. Arun Shrivastava
76
/ BANK OF INDIA
29.05.2013
30.01.2014
lr AbmoH$ {lm
nXZm
2012-13 Ho$
{dmro` df
XmamZ godm 2012-13 Ho$ {bE
Ho$ {XZm| H$s H$m`{ZnmXZ g~
g`m
mogmhZ
6 hrZo
3,50,000.00
A`j Ed ~Y
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2,83,889.00
A`a
{ZXoeH$
lr EZ eofm{
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5,50,000.00
lr E Eg amKdZ H$m`nmbH$ {ZXoeH$ 12 hrZo
5,50,000.00
lr {~.nr.em
H$m`nmbH$ {ZXoeH$ 9 hrZo 13 {XZ
4,32,361.00
{ZXoeH$m| H$s ZmmH$Z g{{V
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9(3)(1) Ho$ mdYmZm| Ho$ VhV am>r`H$V ~H$m| Ho$ ~moS> | {ZXoeH$m| Ho$ M`Z Ho$ {bE
`{$`m| H$mo ^maVr` [aOd ~H$ mam aIo JE {$Q> Ed mona mZXS> H$mo nyam H$aZm
hmoJm& ^maVr` [aOd ~H$ mam Omar {Xem{ZX}em| Ho$ eVm] Ho$ AZwgma ZmmH$Z g{{V
| VrZ {ZXoeH$ (g^r dV/Ja H$m`nmbH$ {ZXoeH$) h& {dmr` df 2013-14 Ho$
XmamZ g{{V Zo eo`aYmaH$ {ZXoeH$m| Ho$ {$Q> Ed mona pW{V H$m nVm bJmZo Ho$ {bE
EH$ ~ma 20.06.2013 H$mo ~R>H$ H$s&
25.09.2013
19.10.2013
03.03.2014
25.09.2013
27.08.2013
01.08.2013
18.07.2013
03.03.2014
24.12.2013
25.03.2014
Designation
Number of
Performance
days served Linked Incentive
during
for the financial
2012-13
year 2012-13 (Rs.)
6 months
3,50,000.00
Chairman &
Managing
Director
Mrs. V R Iyer
Chairperson
4 months
& Managing
26 days
Director
Mr. N.
Executive
12 Months
Seshadari
Director
Mr. M S
Executive
12 Months
Raghavan
Director
Mr. B P Sharma Executive
9 Months
Director
13 days
Nomination Committee of Directors
2,83,889.00
5,50,000.00
5,50,000.00
4,32,361.00
77
/ BANK OF INDIA
19.06.2013
27.08.2013
19.10.2013
24.12.2013
3.3.2014
14.05.2013
25.05.2013
25.09.2013
24.12.2013
25.03.2014
IT Strategy Committee
This committee was formed in compliance of guidelines issued by
Reserve Bank of India to take Decision on IT Strategies and to monitor
the development in the area of IT Projects. It consists of Executive
Directors and two part time non official directors. It meets on quarterly
interval.
Directors Promotion Committee
The Members of this committee are the Chairperson and Managing
Director, Government Nominee Director and RBI Nominee Director.
Attendance of the Directors at the last Annual General Meeting
Smt. V. R. Iyer, Shri M S Raghavan, Shri B P Sharma, Shri Neeraj
Bhatia, Shri P M Sirajuddin, Shri K K Nair Shri Harvinder Singh and
Shri Umesh Kumar Khaitan attended the last i.e., Seventeenth Annual
General Meeting of the Bank held on 29.06.2013
Share Transfers and Redressal of Shareholders`/Investors`
Grievances:
Share Transfers, Dividend / interest payments and all other investor
related activities are attended to and processed at the office of our
Registrar and Transfer Agents. For submitting of any of these documents
and for queries/ complaints /grievances, shareholders and investors are
requested to contact
Q>ma hmCg,8 dt {Ob, nydu IS>, gr-5, Or bmH$, ~mm Hw$bm gHw$b, ~mm
(nyd) w~B - 400 051, $moZ 022-66684444, $g$- 022-66684491,
B-ob : headoffice.share@bankofindia.co.in
78
/ BANK OF INDIA
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~R>H$
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14.07.2011 nmQ>H$a H$mdmoHo$eZ hmb, $sg amoS>,
Am ~R>H$
Xmonha 3.30 ~Oo $moQ>, w~B 400 020.
H$Q>Z :
~H$ ~qH$J {d{Z`Z A{Y{Z`, 1949 ~qH$J H$nZr (CnH$m| H$m AOZ Ama
ApVaU) A{Y{Z`,1970 Ama am>r`H$V ~H$ (~YZ Ed {d{dY mdYmZ)
`moOZm, 1970 go {Z`{V hmoVm h& go~r Zo `h n> {H$`m h {H$ gyMrH$V gWmE
Omo H$n{Z`m Zht h bo{H$Z A` g{d{Y`m| Ho$ AVJV {ZJ{V {ZH$m` h (CXmhaUmW
gmdO{ZH$ jo Ho$ ~H$, {dmr` gWmE, ~rm H$n{Z`m Am{X) na gyMrH$aU H$ama H$m
IS> 49 Ho$db Cg grm VH$ bmJy hmoJm {Og grm VH$ dh CZH$s gX^JV g{d{Y
Ama CZHo$ {Z`mH$ m{YH$m[a`m| mam Omar Vg~Yr {Xem{ZX}em| H$m CKZ Z H$a|&
i)
:
:
`
`
With a view to speed up the share transfer system for the better investors
services, Bank is processing the transfer / transmission of shares
on weekly basis and reports the matter to Share Transfer Committee
on monthly basis. The Share Transfer committee is comprising of the
Chairperson & Managing Director and in her absence Executive Director
of the Bank and two other directors in terms of the provisions of Bank
of India (Shares & Meetings) Regulations, 2007. The committee met 12
times in the year. All the share certificates received for transfer up to
31.03.2014 have been processed and dispatched.
General Body Meetings:
Nature of Meeting
1 Extra ordinary General
Meeting
Disclosures :
The Bank is governed under the Banking Regulations Act 1949, Banking
Companies (Acquisition and Transfer of Undertakings) Act 1970 and
Nationalised Banks (Management & Miscellaneous Provisions) Scheme
1970. SEBI has clarified that for listed entities which are not companies,
but body corporates (e.g. public sector banks, financial institutions,
insurance companies etc.) incorporated under other statutes, clause 49
of the Listing Agreement will apply only to the extent that it does not
violate their respective statutes and guidelines issued by the relevant
regulatory authorities.
10,000/- {V ~R>H$
5,000/- {V ~R>H$
79
i)
Remuneration of Directors:
/ BANK OF INDIA
ii)
11.12.2013
215.70*
Hw$b
Transactions
and
Pecuniary
^maV Ho$
am>n{V
Material
During the year under review, the. Bank has issued the
following instruments to raise the capital:-
Name of the
Instrument
2500.00
Amount
Raised
Name of
Subscribers
9.80% Tier-2
Bonds-2023 Series X
10000
Life
Insurance
Corporation
of India Ltd.
25.09.2013
10,00,000
1000.00
9.80% Tier-2
Bonds-2023 Series XI
5000
Various
Investors
30.09.2013
10,00,000
500.00
4,63,60,686
The
President of
India
11.12.2013
215.70*
1000.00
Total
2500.00
Equity Shares of
Rs. 10/- each*
1000.00
Date of
Issue
Issue Price,
per bond /
share
Number
of Bonds/
Shares
(` In
Crores
80
/ BANK OF INDIA
Means of Communication:
The quarterly and half-yearly financial results (unaudited but subject to
limited review by the Statutory Auditors) and audited Annual results were
published in the Economic Times/Business Standard/ Financial Express
/Business Line in English, Sakal /Navshakti/Lokmat/ Apla Mahanagar
in Marathi (Regional language) and Navbharat Times/Navbharat in
Hindi. The results were also displayed on the Banks website at www.
bankofindia.co.in. The presentations made to institutional investors are
also available on Banks website
As required by SEBI and in the Listing Agreements, Bank of India, files
its financial and other information online on their web portals in addition
to the physical submission to the Stock Exchange.
Financial Calendar: From 1st April, 2014:
Board Meeting for considering 15th May, 2014
Annual Audited Accounts of Bank
of India and recommendation of
dividend
Thursday 10th July, 2014.
Date, Time, Venue of 18th AGM
Bank of India Auditorium, Star
House, Bandra-Kurla Complex,
Mumbai 400 051.
Posting of Annual Report
12th to 14th June, 2014
Cut off Date for E voting
23rd May, 2014
E Voting date
Friday 4th July, 2014 from 10.00
am to Sunday 6th July, 2014 till
5.00 p.m.
5th July to 10th July 2014
Book Closure dates
Last Date for receipt of proxy
Saturday, 5th July, 2014
forms
Board Meeting for considering
Within 45 days of the relevant
Un-audited result for first 3 quarters quarter.
Listing on Stock Exchanges
The shares of the Bank are listed on The BSE Ltd. and The National
Stock Exchange of India Limited. The stock scrip codes are as follows:
532149
C$ XmoZm| Q>mH$ EgM|O H$mo df 2014-15 Ho$ {bE dm{fH$ gyMrH$aU ewH$ H$m
^wJVmZ H$a {X`m J`m h&
~H$ Zo g`-g` na dMZn Ho$ An[adVZr` ~mS> ({Q>`a I Ed II nyOr) Omar {H$`o
h CZgo g~{YV `moam {ZZmZwgma h
INE084A01016
Annual listing fee for 2014-15 has been paid to both of the stock
exchanges.
The Bank has issued Non Convertible Bonds in the nature of Promissory
Notes (Tier I & II capital) from time to time. The relevant details thereof
are as under:
BANK OF INDIA BOND TIER I and TIER II CAPITAL POSITION AS
ON 31.03.2014
~H$ Am$ B{S>`m ~mS> {Q>`a I Ed {Q>`a II nyOr pW{V `Wm 31.03.2014
H$. g.
Sr. No
1
2
3
4
5
6
Hw$b y` (` H$amoS> |)
TOTAL VALUE (` in Crores)
350.00
200.00
750.00
200.00
1000.00
81
300.00
AmBEgAmBEZ Z.
ISIN NO.
AmBEZB/INE084A09050
AmBEZB/INE084A09068
AmBEZB/INE084A09076
AmBEZB/INE084A09084
AmBEZB/INE084A09100
AmBEZB/INE084A08037
/ BANK OF INDIA
H$. g.
Sr. No
7
Hw$b y` (` H$amoS> |)
TOTAL VALUE (` in Crores)
500.00
AmBEgAmBEZ Z.
ISIN NO.
EO|gr
XmU aoqQ>J
AmBgrAmaE mam H$mnm}aoQ> emgZ loUr
grOrAma-2
wS>rg BdomQ>aa g{dg (wS>rg)
~rEE3 / nr-3
Q> So>S> Ed nyAa (Eg Ed nr)
~r~r~r(-)
Ho${S>Q> EZm{b{gg Ed [agM {b. (grEAmaB)
grEAmaBEEE
gmd{Y Om H$m`H$ hoVw {Zdoe gyMZm Ed F$U loUr {ZYmaU EEEE
EO|gr (AmBgrAmaE)
H$mnm}aoQ> emgZ hoVw {Zdoe gyMZm Ed F$U loUr {ZYmaU AmBgrAmaE EE+
EO|gr - ~mSg hoVw
grAmaAmBEgAmBEb ({H${gb) {b. ~mSg hoVw
EEE
grAmaAmBEgAmBEb ({H${gb) {b. Om mU n hoVw
E1+
~r`y AmaEEE
{~H$dH$ aoqQ>gw B{S>`m m.{b. - ~mSg hoVw
eo`am| H$m AmyVuH$aU
~H$ Ho$ eo`am| H$m boZ-XoZ A{Zdm` $n go Ho$db AyV ({S>oQ>) $n | {H$`m OmVm h&
~H$ Zo eo`am| Ho$ AyVuH$aU Ho$ {bE XmoZm| {ZjonmJmam| `Wm am>r` {V^y{V {ZjonmJma
{b. (EZEgS>rEb) Ed Ho$r` {deofmJma godmE (B{S>`m) {b. (grS>rEgEb) Ho$
gmW gPmVm {H$`m h&
eo`aYmaH$m| H$m `Wm 31.03.2014 H$mo `j Ed AyV $n go Ym[aV eo`am| H$m
`mam Bg H$ma h:
grS>rEgEb
EZEgS>rEb
`j
Hw$b
Agency
Rating Assigned
CGR-2
Baa3 / P-3
BBB(-)
CAREAAA
AAA
A1+
BWR AAA
Dematerialisation of Shares
The Banks shares are being traded compulsorily in Demat form only.
The Bank has entered into agreements with both the Depositories viz.
National Securities Depositories Ltd. (NSDL) and Central Depository
Services (India) Ltd. (CDSL) for dematerialization of shares.
Particulars of shares in Demat and Physical form held by the shareholders
as of 31/03/2014 are as under:
eo`aYmaU H$m
No. of shares
shareholding%
CDSL
43750
88990
107260
240000
NSDL
Physical
Total
82
437380569
188530752
16351692
642263013
68.10
29.35
2.55
100.00
/ BANK OF INDIA
eo`aYmaH$m| H$m dJ
Ho$r` gaH$ma (dVH$)
`yMwAb $S>/`yQ>rAmB
{dmr` gWmE/~H$
~rm H$n{Z`m
H$mnm}aoQ> {ZH$m`
EH$b `{$
A{Zdmgr ^maVr`/Amogr~r
{dXoer gWmmJV {ZdoeH$
Hw$b
55
6489438
1.01
26
1186137
0.18
40
91818107
14.30
2265
10521843
1.64
235654
36183007
5.63
1776
2515410
0.39
183
65181558
10.15
240000
642263013
100.00
Bodies Corporate
Individuals
Non Resident Indians/ OCB
Foreign Institutional Investors
Total
% of Holding
11.82
22268418
3.47
428367513
66.70
g`m
Upto 500
500 VH$
501 to 1000
501 go1000
1001 to 5000
1001 go 5000
5001 to 10000
5001 go 10000
10001 & above
10001 Ed Bggo A{YH$
Total
Hw$b
eo`a y`/mm :
EZEgB | m{gH$ $n go C Ed {ZZ ^md (H$moQ>oeZ) Ed eo`am| Ho$ boZ-XoZ H$s
mm {ZZmZwgma h :-
Ad{Y
President of India
^maV Ho$ am>n{V
eo`aYm[aVm H$m g{dVaU `Wm {XZmH$ 31 mM, 2014 :-
Ab, 2013
B, 2013
OyZ, 2013
OwbmB, 2013
AJV, 2013
{gV~a, 2013
Ay$~a, 2013
Zd~a, 2013
{Xg~a, 2013
OZdar, 2014
$adar, 2014
mM, 2014
`Wm 31.03.2014 H$s boIm ~Xr y`
~mOma nyOrH$aU
eo`aYm[aVm %
Number of Shares
75942452
eo`aYm[aVm %
eo`aYmaH$ H$m Zm
eo`aYmaH$ H$m Zm
$mo{b`mo Folio
{VeV
Nos.
231676
%age
96.53
5527
2117
236
eo`a Shares
{VeV
g`m
Nos.
27386136
%age
4.26
2.30
4008071
0.62
0.88
4461279
0.70
0.10
1732630
0.27
444
0.19
604674897
94.15
240000
100.00
642263013
100.00
Share Price/Volume:
The monthly high and low quotation and the volume of Shares traded on
NSE are as under:-
A{YH$V .
Period
`yVZV .
April, 2013
Highest `
345.80
Lowest `
Volume of shares traded
292.00
15135805
May, 2013
341.00
285.00
24026635
June, 2013
296.65
219.00
17020399
July, 2013
243.25
166.00
34823546
August, 2013
190.40
126.50
42791437
September, 2013
193.95
132.00
49572483
October, 2013
214.20
156.55
67344607
November, 2013
244.10
204.25
130515727
December, 2013
241.80
204.50
75766749
January, 2014
251.30
184.55
93157764
February, 2014
192.60
165.55
66024458
March, 2014
237.40
168.60
94536624
` 228.50 (NSE)
Market Capitalisation
` 14675.71 Crore
83
/ BANK OF INDIA
BOI
350.00
NSE
400.00
23000
7000.00
400.00
22000
6500.00
300.00
BOI
350.00
21000
300.00
20000
250.00
19000
200.00
18000
150.00
6000.00
250.00
5500.00
200.00
5000.00
150.00
4500.00
100.00
Sr No.
1
100.00
17000
Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar-14
Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar-14
Ja A{Zdm` AnojmE
Status of implementation
~moS> EH$ Ja H$m`nmbH$ A`j H$nZr Ho$ IM na A`j H$m H$m`mb` aIZo bmJy Zht, `m|{H$ A`j H$m nX H$m`nmbH$ h&
Not applicable, since the Chairmans Position is Executive.
Ho$ {bE hH$Xma
The Board - A non executive Chairman may be entitled to maintain
a Chairmans office at the companys expense.
nm[al{H$ g{{V- H$m`nmbH$ {ZXoeH$m| Ho$ {bE n|eZ H$m A{YH$ma Ed H$moB nm[al{H$ g{{V- Ho$r` gaH$ma mam Omar {Xem{ZX}em| Ho$ AZw$n H$m`
j{Vny{V ^wJVmZ g{hV {d{e> nm[al{H$ nHo$Om| Ho$ g~Y | H$nZr Zr{V Ho$ {ZnmXZ g~ mogmhZ H$s nmVm H$m {ZYmaU H$aVr h& VWm{n H$m`nmbH$
{ZYmaU hoVw ~moS> EH$ nm[al{H$ g{{V H$m JR>Z H$a gH$Vr h&
{ZXoeH$ ^maV gaH$ma mam {ZYm[aV doVZ m H$aVo h&
Remuneration Committee- Board may set up a Remunerative
Committee to determine companys policy on specific remuneration
packages for executive directors including pension right and any
compensation payment.
eo`aYmaH$m| H$m A{YH$ma- {dJV N>: hrZm| | hdnyU KQ>ZmAm| H$m {Vmhr/dm{fH$ {dmr` {ddaU Ed wI {deofVmE EZEgB, ~rEgB H$mo ^oOr
gmame g{hV {dmr` H$m`{ZnmXZ H$s AYdm{fH$ KmofUm eo`aYmaH$m| H$mo ^oOr OmVr h Ama AI~mam| | N>ndmB OmVr h VWm ~H$ H$s do~gmBQ> na X{eV H$s
OmE&
OmVr h& AV: eo`aYmaH$m| H$mo gyMZm `{$e: ^oOr Zht OmVr h&
Shareholders Rights- A half-yearly declaration of financial The quarterly/year to date/ Annual Financial Results are sent to NSE
performance including summary of the significant events in last six- & BSE & published in Newspapers and placed on Banks website
months, may be sent to shareholders.
including highlights. As such, information to Shareholders is not sent
individually.
boIm narjm AhVm- AZ$m{b$mBS> $Zpe`b Q>oQ>|Q> H$s Wm H$s Amoa ~H$ Ho$ dm{fH$ {dmr` {ddaU AZ$m{b$mBS> h& hdnyU boImH$Z Zr{V`m
AJga hmo&
Ama ImVm| na {Q>n{U`m AZwgy{M`m| | CnbY h Omo {H$ dUZmnH$ H${V
Audit Qualification-bank may move towards a regime of unqualified Ho$ h&
financial statements.
84
/ BANK OF INDIA
H$. g.
Sr No.
5
Ja A{Zdm` AnojmE
Status of implementation
~moS> gX`m| H$m {ejU - ~H$, H$nZr Ho$ H$mamo~mar mS>b Ed H$nZr Ho$ ~H$ Zo BZ {Xem{ZX}em| H$mo H$m`mpdV {H$`m h&
H$mamo~mar mZH$m| Ho$ OmopI mo$mBb Ho$ g~Y | ~moS> gX`m| H$mo {e{jV The Bank has implemented these guidelines
H$a|&
Training of Board Members- Bank may train Board members in
the business model of the company as well as the risk profile of
the business parameters of the company, the responsibilities as
directors, and the best ways to discharge them.
~moS> Ho$ Ja-H$m`nmbH$ gX`m| Ho$ y`moH$Z H$m V- {H$gr JaH$m`nmbH$ {ZXoeH$ Ho$ H$m`{ZnmXZ y`mH$Z, y`mH$ZmYrZ {ZXoeH$ H$mo
N>moS>H$a, nyao {ZXoeH$ S>b Ho$ gX`m| dmbr gj gyh mam {H$`m Om gH$Vm
h Ama gH$j gyh y`mH$Z Ja H$m`nmbH$ {ZXoeH$m| H$s {Z`w{$ H$mo ~T>mZo/
Omar aIZo H$m V hmo gH$Vm h&
[aOd ~H$ Am$ B{S>`m Ho$ {Xem{ZX}em| Ho$ AZw$n EH$ ZmmH$Z g{{V H$m JR>Z
{H$`m J`m h Ama ~H$H$mar H$nZr (CnH$m| H$m AOZ Ama AVaU) A{Y{Z`
1970 Ho$ IS> 9 (3) (i) Ho$ AVJV {Zdm{MV {ZXoeH$ {$Q> ES>$ mna pW{V
Ho$ {ZYmaU H$s eV Ho$ AYrZ h& BgHo$ Abmdm Ja-H$m`nmbH$ {ZXoeH$m| H$s
{Z`w{$ gm{d{YH$ mdYmZm| Ho$ AZw$n ^maV gaH$ma mam {Z`w$ {H$E OmVo h&
{dgb bmoAa nm{bgr - AZ{VH$ `dhma, dmV{dH$ `m g{XY YmoImYS>r ~H$ Zo {dgb bmoAa nm{bgr H$m`mpdV H$s h&
`m H$nZr H$s AmMaU g{hVm `m AmMmaZr{V Ho$ CKZ Ho$ g~Y | H$Mmar The Bank has implemented the Whistle Blower Policy.
AnZr qMVmE ~YZ H$mo gy{MV H$a|, BgHo$ {bE ~H$ H$mo EH$ V H$s WmnZm
H$aZr Mm{hE& Bg V |, Bg V H$m Cn`moJ H$aZo dmbo H$Mm[a`m| Ho$ gmW
A`mMma Ho$ {d n`m gajU CnbY hmo Ama AndmXmH$ mbm| | Cho
boIm narjm g{{V Ho$ A`j go grYo gnH$ H$aZo H$s gw{dYm CnbY h& Eogo
V H$s WmnZm Ho$ nmV CgH$s gw{MV gyMZm gJR>Z Ho$ AXa n[aMm{bV H$s
OmE&
Whistle Blower Policy- The Bank may establish a mechanism for
employees to report to the management concerns about unethical
behaviour, actual or suspected fraud or violation of the companys
code of conduct or ethics policy. This mechanism could also provide
for adequate safeguards against victimization of employees who
avail of the mechanism and also provide for direct access to the
Chairman of the Audit Committee in exceptional cases. Once
established, the existence of the mechanism may be appropriately
communicated within the organization.
85
/ BANK OF INDIA
H$mnm}aoQ> emgZ Umbr H$s eVm] H$m AZwnmbZ ~YZ H$s {OoXmar h& hmar
OmM H$manmoaoQ> emgZ Umbr H$s eVm] Ho$ AZwnmbZ H$mo gw{ZpMV H$aZo Ho$ {bE
~H$ mam AnZmB JB H$m n{V Ama CgHo$ H$mmdZ VH$ gr{V Wr& h
~H$ Ho$ {dmr {ddaUm| H$s Z Vmo boIm narjm h Ama Z hr V H$m H$Q>Z h&
^maVr gZXr boImH$ma gWmZ mam Omar JmBS>og ZmoQ> H$s AmdH$VmAm| Ho$
AZwgma h A{^V H$aVo h {H$ eoahmoS>g ES> BdoQ>g Jrdg H${Q>r
mam AZwa{jV [aH$mS> Ho$ AZwgma ~H$ Ho$ {d Eogr H$moB {ZdoeH$ {eH$mV
b{~V Zht h Omo EH$ hrZo go A{YH$ hmo&
86
/ BANK OF INDIA
grBAmo/grE$Amo mUrH$aU
Board of Directors,
Bank of India,
Mumbai
Dear Sir,
Re: CEO/CFO Certification for the year 2013-14
Pursuant to clause 41and 49 of the Listing Agreement with BSE Limited
and National Stock Exchange Limited, we hereby certify that:
a.
ii.
{ZXoeH$ S>b
~H$ Am$ B{S>`m
w~B
hmoX`,
{df`: df 2013-14 Ho$ {bE grBAmo/grE$mo mUrH$aU
~rEgB {b{Q>oS> Ama ZeZb Q>mH$ EM|O {b{Q>oS> Ho$ gmW gyMrH$aU H$ama Ho$
IS> 41 Ed 49 Ho$ AmYma na h, EVmam m{UV H$aVo h {H$ :
H$) df 2013-14 hoVw hZo {dmr` {ddaU Ama ZH$X dmh {ddaU H$s grjm
H$s h Ama hmar gdm}m OmZH$mar Ed m`Vm Ho$ AZwgma :
1) BZ {ddaUm| | H$moB VmpdH$ $n go JbV {ddaU Zht h AWdm BZ| H$moB
hdnyU V` N>moS>m Zht J`m h AWdm Bg| H$moB Eogo H$WZ Zht h Omo
^ H$s pW{V nXm H$aVo hm|&
2) `o g^r {ddaU {bH$a ~H$ H$s J{V{d{Y`m| H$m ghr Ama C{MV {>H$moU
VwV H$aVo h Ama `o dVmZ boImH$Z mZH$m|, bmJy {Z`m| Ama {d{Z`m|
H$m AZwnmbZ H$aVo h&
I) hmar gdm}m OmZH$mar Ama m`Vm Ho$ AZwgma, ~H$ Zo df Ho$ XmamZ Eogm H$moB
g`dhma Zht {H$`m h Omo YmoImYS>rnyU hmo, AdY hmo AWdm Omo {H$ ~H$ H$s
AmMma g{hVm H$m CKZ H$aVm hmo&
J) h {dmr` [anmo{Q>J hoVw AmV[aH$ {Z`Um| H$s WmnZm Ed aIaImd H$s
{OoXmar H$m drH$ma H$aVo h Ama drH$ma H$aVo h {H$ hZo {dmr` [anmo{Q>J
go g~{YV ~H$ Ho$ AmV[aH$ {Z`U Um{b`m| H$s ^mdH$m[aVm H$m y`mH$Z
{H$`m h Ama Eogo AmV[aH$ {Z`Um| Ho$ n[aMmbZ AWdm {S>OmBZ | H${`m| H$m
Iwbmgm boIm narjH$m| Ed boIm narjm g{{V Ho$ gj {H$`m h& AJa Eogr
H$r H$s OmZH$mar h| h Vmo CZ H${`m| H$mo Xya H$aZo hoVw hZo H$X CR>mE h
`m H$X CR>m`m OmZm Vm{dV h&
K) hZo boIm narjH$m| Ed boIm narjm g{{V`m| H$mo `h gy{MV {H$`m h:1) df Ho$ XmamZ {dmr` [anmo{Q>J na AmV[aH$ {Z`U | hdnyU n[adVZ
2) df Ho$ XmamZ boImH$Z Zr{V`m| | hdnyU n[adVZ Ama CZH$m H$Q>Z
{dmr` {ddaUm| na {Q>n{U`m| | {H$`m J`m h Ama
3) AJa {H$gr Eogr ~S>r YmoImYS>r H$s h| OmZH$mar {br hmo, {Og| ~YZ
AWdm {dmr` [anmo{Q>J na ~H$ Ho$ AmV[aH$ {Z`U | hdnyU ^y{H$m
aIZo dmbm H$moB H$Mmar em{b hmo&
H$Vo ~H$ Am$ B{S>m
c.
d.
ii.
iii.
(Krishnakumar K. Nair)
Chief Financial Officer
b.
Place: Mumbai
{XZmH$ 15 B, 2014
WmZ
(Mrs. V R Iyer)
Chairperson and Managing Director
DECLARATION BY CEO
~H$ Zo g^r {ZXoeH$m| Ama H$moa ~YZ Ho$ {bE AmMaU g{hVm {ZYm[aV H$s
h, {OgH$m gma ~H$ H$s do~gmBQ> na X{eV {H$m Jm h& {ZXoeH$m| VWm H$moa
~YZ Zo {dmr df 31 mM, 2014 H$s gmpV Ho$ {bE AmMma g{hVm Ho$
AZwnmbZ H$s nw{> H$s h&
The Bank has laid down a Code of Conduct for all the
directors and Core Management of the Bank, the text of
which is posted on the Banks website. The Directors and
Core Management have affirmed compliance with the Code of
Conduct for the financial year ended 31st March, 2014.
Place: Mumbai
Date: 15th May, 2014
87
WmZ
{XZmH$ 15 B, 2014
/ BANK OF INDIA
88
/ BANK OF INDIA
Wm 31 mM, 2014
Ama
BANK OF INDIA
Balance Sheet
As at 31st March, 2014
&
89
/ BANK OF INDIA
AZwgyMr g`m
Schedule
No
I.
II.
nyOr Ed XoVmE
nyOr
Ama{j{V Ed A{Yeof
Omam{em
CYma
A XoVmE Ed mdYmZ
OmoS>
AmpVm
^maVr` [aOd ~H$ | ZH$Xr Ama eof am{e`m
(000s Omitted)
As at
31-03-2013
31-03-2014
`
`
`Wm As at
292,800,820
233,215,148
Deposits
4,769,740,518
3,818,395,859
Borrowings
484,275,103
353,675,848
178,655,527
114,773,914
5,731,901,989
4,526,027,183
190,734,437
219,670,365
Investments
7
8
423,088,501
1,141,524,370
328,688,229
946,134,318
Advances
3,707,335,364
2,893,674,972
Fixed Assets
10
57,860,575
28,701,254
Other Assets
11
211,358,743
109,158,045
5,731,901,989
4,526,027,183
2,524,692,968
2,216,868,027
214,829,799
242,299,977
TOTAL
6,430,021
5,966,414
ASSETS
TOTAL
Contingent Liabilities
12
17
Notes to Accounts
18
The Schedules referred to above form an integral part of the Balance Sheet.
~qH$J {d{Z`Z A{Y{Z`, 1949 H$s Vrgar AZwgyMr Ho$ $m E Ho$ AZwgma VwbZ-n V`ma {H$`m J`m h&
The Balance Sheet has been prepared in conformity with Form A' of the Third Schedule to the Banking Regulation Act, 1949.
{~. nr. em
AU lrdmVd
Ama. H$moQ>rdaZ
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
90
/ BANK OF INDIA
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2014
Schedule
No
`Wm As at
31-03-2014
`
(000s Omitted)
As at
31-03-2013
`
Interest earned
13
379,101,016
319,089,290
Other income
14
42,918,396
37,660,431
422,019,412
356,749,721
AZwgyMr g`m
Am
A{OV `mO
A Am
Hw$b
II. IM
IM {H$`m J`m `mO
n[aMmbZ IM}
mdYmZ Ed AmH$pH$VmE
Hw$b
III. bm^
df H$m {Zdb bm^
OmoS|>: AmJo bm`m J`m bm^
Hw$b
IV. {d{Z`moJ
H$mZyZr Ama{j{V`m| H$mo AVaU
amOd Ama{j{V H$mo AVaU
nyOr Ama{j{V H$mo AVaU
{deof Ama{j{V (go)/H$mo AVaU - H$a|gr dn
A{V bm^me (bm^me H$a g{hV)
Am`H$a A{Y{Z`,1961 H$s Ymam 36(1)(viii) Ho$ AVJV
{deof Ama{j{V
OmoS>
{V eo`a AOZ (`)
hdnyU boIm {Z{V`m
boIm| na {Q>n{U`m
D$na ~VmB JB AZwgy{M`m VwbZ-n H$m A{^ AJ h&
I.
INCOME
TOTAL
EXPENDITURE
Interest expended
15
270,795,694
228,849,298
Operating expenses
16
66,994,680
53,315,467
18(5.1)
56,936,327
47,091,490
394,726,701
329,256,255
27,292,711
27,493,466
27,292,711
27,493,466
APPROPRIATIONS
Transfer to Statutory Reserve
7,000,000
6,873,367
12,986,303
10,335,542
51,063
317,318
(3,654)
3,755,345
6,970,893
3,500,000
3,000,000
27,292,711
27,493,466
44.74
47.79
TOTAL
Earnings Per Share
18(5.8)
17
Notes to Accounts
18
The schedules referred to above form an integral part of the Profit and Loss Account.
~qH$J {d{Z`Z A{Y{Z`,1949 H$s Vrgar AZwgyMr Ho$ $m ~r Ho$ AZwgma `h bm^-hm{Z ImVm V`ma {H$`m J`m h&
The Profit and Loss Account has been prepared in conformity with Form B of the Third Schedule to the Banking Regulation Act, 1949.
{~. nr. em
AU lrdmVd
Ama. H$moQ>rdaZ
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
91
/ BANK OF INDIA
Statement of Cash Flow for the year ended 31st March, 2014
(` in 000)
{ddaU
H$mo gm df
Particulars
H$mo gm df
Year ended
31.03.2014
Year ended
31.03.2013
30,077,375
2,375,900
1,838,856
3,964
37,265,485
2,916,256
3,558,955
7,867,476
(446,377)
636,235,527
31,406,074
(16,313,176)
(80,879,245)
(442,607,015)
11,655,706
(17,385,548)
207,570,213
(3,725,936)
360,221
(95,113)
446,377
(3,014,451)
221,219
7,868,779
1,127,524
(4,659,760)
(7,867,476)
(3,309,714)
201,246,048
347,112,546
548,358,594
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
92
/ BANK OF INDIA
AZwgy{M - 1 : nyOr
m{YH$V
300,00,00,000 ({nN>bo df 300,00,00,000) `10 `oH$
Ho$ B{$Q>r eo`a
Omar Ama A{^Xm
64,34,40,113 ({nN>bo df 59,70,79,427) eof `10 `oH$
Ho$ B{$Q>r eo`a 42,83,67,513 B{$Q>r eo`a em{b ({nN>bo
df 38,20,06,827) `10 `oH$ Ho$, nyU Xm Hw$b `428.37
H$amoS> ({nN>bo df `382.01 H$amoS>) Ho$ gaH$ma mam Ym[aV.
Hw$b
Xm nyOr
nyUV: Xm `oH$ `10 Ho$ 64,22,63,013 B{$Q>r eo`a
({nN>bo df 59,59,02,327)
OmoS|> : OV eo`am| H$s am{e
Hw$b
AZwgyMr - 2 : Ama{j{V`m Ama A{Yeof
I. H$mZyZr Ama{j{V`m :
Ama{^H$ eof
df Ho$ XmamZ n[adYZ
Hw$b ( I )
nyOr Ama{j{V`m :
E) nwZy`mH$Z Ama{j{V :
ma{^H$ eof
OmoS|> : gn{m H$m nwZy`mH$Z
KQ>mE : nwZw`mH$Z Ho$ H$maU y`mg/gmmoOZ
II.
OmoS> (E)
~r) A`
i) {Zdoe H$s {~H$s na bm^ n[an$Vm VH$ Ym[aV
ma{^H$ eof
OmoS|> : df Ho$ XmamZ n[adYZ
(i) H$m Cn-OmoS>
ii) {dXoer wm Q>mboeZ Ama{j{V
ma{^H$ eof
OmoS|> : df Ho$ XmamZ gm`moOZ ({Zdb)
(ii) H$m Cn-OmoS>
iii) {dgof Ama{jVr - wm dn ma{^H$ eof
df Ho$ XmamZ H$Q>m{Vm
(iii) H$m Cn-OmoS>
OmoS> (~r)
OmoS> (II)
31-03-2014
`
31-03-2013
`
30,000,000
30,000,000
6,434,401
5,970,794
6,434,401
5,970,794
6,422,630
5,959,023
7,391
7,391
6,430,021
5,966,414
59,568,842
52,695,475
7,000,000
6,873,367
66,568,842
59,568,842
Opening Balance
11,821,336
12,358,898
27,599,034
1,998,552
537,562
37,421,818
11,821,336
8,750,600
8,433,282
SCHEDULE - 1 : CAPITAL
AUTHORISED
300,00,00,000 (Previous year ended 300,00,00,000)
Equity Shares of `10 each
ISSUED AND SUBSCRIBED
64,34,40,113 Equity Shares (Previous year ended
59,70,79,427) of `10 each including 42,83,67,513
Equity Shares (Previous year ended 38,20,06,827) of
`10 each fully paid up amounting to `428.37 crores
(Previous year ended `382.01 crores ) held by Central
Government;
TOTAL
PAID-UP CAPITAL
64,22,63,013 Equity Shares (Previous year ended
59,59,02,327 ) of `10 each fully paid-up.
Add: Amount of shares forfeited
TOTAL
SCHEDULE - 2 : RESERVES & SURPLUS
I. Statutory Reserve :
Opening Balance
Additions during the year
TOTAL ( I )
II. Capital Reserves :
A) Revaluation Reserve :
51,063
317,318
8,801,663
8,750,600
11,153,627
9,664,922
5,228,131
1,488,705
16,381,758
11,153,627
3,654
(3,654)
Total of (B)
25,183,421
19,904,227
TOTAL (II)
62,605,239
31,725,563
Sub-total of (iii)
93
/ BANK OF INDIA
III.
IV.
i)
ii)
V.
eo`a {r` :
ma{^H$ eof
df Ho$ XmamZ n[adYZ (B{$Q>r H$m A{YmZr {ZJ)
OmoS|> : {dbmo{nV OV eo`a
OmoS> (III)
amOd Ed A` Ama{j{V`m :
amOd Ama{jVr:
ma{^H$ eof
df Ho$ XmamZ H$Q>m{Vm
OmoS|>/(KQ>mE): df Ho$ XmamZ n[adYZ
(iv) H$m Cn-OmoS>
Am`H$a A{Y{Z`,1961 H$s Ymam 36(1)(viii) Ho$
AVJV {deof Ama{jVr
ma{^H$ eof
OmoS|>: df Ho$ XmamZ n[adYZ
IV(ii) H$m Cn OmoS>
OmoS> (IV)
go{H$V bm^-hm{Z ImVo | eof
OmoS> ( I go V)
AZwgyMr - 3 : Omam{e`m
E I. mJ Omam{e`m :
i) ~H$m| go
ii) A` go
OmoS> (I)
II. ~MV ~H$ Omam{e`m
III. {`mXr Omam{e`m:
i) ~H$m| go
ii) A` go
OmoS> (III)
Hw$b E (I go III)
~r
i) ^maV
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
46,313,073
38,444,294
9,536,393
7,868,779
55,849,466
46,313,073
82,907,670
72,572,128
4,316,700
12,986,303
10,335,542
Sub-total of IV(i)
91,577,273
82,907,670
12,700,000
9,700,000
3,500,000
3,000,000
16,200,000
12,700,000
107,777,273
95,607,670
292,800,820
233,215,148
SCHEDULE - 3 : DEPOSITS
A. I. Demand Deposits :
i) From Banks
3,864,302
10,594,715
212,031,779
192,262,757
TOTAL (I)
215,896,081
202,857,472
878,489,165
776,212,260
526,193,189
389,418,666
3,149,162,083
2,449,907,461
TOTAL (III)
3,675,355,272
2,839,326,127
4,769,740,518
3,818,395,859
3,635,902,216
2,940,667,388
1,133,838,302
877,728,471
TOTAL (B)
4,769,740,518
3,818,395,859
94
/ BANK OF INDIA
AZwgyMr - 4 : CYma
^maV | CYma:
i) ^maVr` [aOd ~H$
ii) A` ~H$
E. {Q>`a I nyOr (AmB.nr.S>r.AmB)
~r. Ana {Q>`a II nyOr
gr. {V^y{Va{hV Ja-n[adVZr` moMZr` ~Yn ({Q>`a
II nyOr Ho$ {bE JmU F$U)
S>r. A`
OmoS> (ii)
iii) A` gWmE Ama A{YH$aU
E. {Q>`a I nyOr (AmB.nr.S>r.AmB)
~r. Ana {Q>`a II nyOr
gr. {V^y{Va{hV Ja-n[adVZr` moMZr` ~Yn ({Q>`a
II nyOr Ho$ {bE JmU F$U)
S>r. A`
OmoS> (ii)
OmoS> (I)
II. ^maV Ho$ ~mha go CYma
E. {Q>`a I nyOr (AmB.nr.S>r.AmB)
~r. Ana {Q>`a II nyOr
gr. A`
OmoS> (II)
OmoS> (I Ed II)
D$na gp{bV {V^y{V CYma
AZwgyMr - 5 : A` Xo`VmE Ed mdYmZ
I.
II.
III.
IV.
V.
Xo` {~b
AVa H$m`mb` gm`moOZ ({Zdb)
Cnm{OV Am`
AmW{JV H$a Xo`Vm
A`
OmoS>
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
46,865,583
4,110
5,262,000
5,712,000
SCHEDULE - 4 : BORROWINGS
I. Borrowings in India :
i) Reserve Bank of India
ii) Other Banks
a. Tier I Capital ( I.P.D.I.)
b. Upper Tier II Capital
c. Unsecured Non-convertible Redeemable
Bonds (Subordinated for Tier-II Capital)
695,000
695,000
1,153,000
1,113,000
d. Others
17,676,334
14,882,355
Total ( ii )
24,786,334
22,402,355
11,538,000
11,088,000
41,625,000
41,625,000
31,847,000
16,887,000
d. Others
69,773,146
62,534,309
Total ( iii )
154,783,146
132,134,309
Total (I)
226,435,063
154,540,774
5,097,701
4,610,989
14,375,360
13,051,984
c. Others
238,366,979
181,472,101
Total (II)
257,840,040
199,135,074
Total ( I, II )
484,275,103
353,675,848
10,981,843
12,880,400
95
18,415,642
14,936,158
15,865,734
3,124,632
133,392,308
83,832,724
178,655,527
114,773,914
/ BANK OF INDIA
i) Mmby
OmoS>
(I
Ed
II)
(I
Ed II)
AZwgyMr - 8 : {Zdoe
I. ^maV | {Zdoe:
i) gaH$mar {V^y{V
ii) A` AZwmo{XV {V^y{V`m
iii) eo`a
iv) {S>~|Ma Ed ~Yn
v) ghm`H$ H$n{Z`m| | {Zdoe
vi) A` (dm{UpH$ XVmdoO, yMwAb $S> H$s
BH$mBm, nmg Wy g{Q>{$Ho$Q>, gwajm agrX|, d|Ma $S>
Am{X)
OmoS> ( I )
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
20,100,256
17,571,477
i) In Current Account
170,634,181
202,098,888
TOTAL (II)
170,634,181
202,098,888
TOTAL ( I, II)
190,734,437
219,670,365
4,816,255
5,446,559
97,525,408
86,269,260
a) With Banks
102,341,663
91,715,819
TOTAL ( I )
II. Outside India :
i) In Current Accounts
ii) In Other Deposit Accounts
iii) Money at call and short notice
9,884,084
5,481,190
309,053,093
228,819,335
1,809,661
2,671,885
TOTAL ( II )
320,746,838
236,972,410
TOTAL ( I, II )
423,088,501
328,688,229
966,802,623
794,907,507
SCHEDULE - 8 : INVESTMENTS
I. Investments in India :
i) Government Securities
ii) Other approved Securities
iii) Shares
iv) Debentures and Bonds
v) Subsidiaries and Associates
vi) Others (Commercial Papers, Units of Mutual
Funds, Pass Through Certificates, Security
Receipts, Venture Fund etc.)
TOTAL ( I )
96
11,647
11,647
8,969,758
9,232,587
83,862,831
55,387,975
4,456,814
4,134,540
21,006,353
42,381,640
1,085,110,026
906,055,896
/ BANK OF INDIA
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
36,015,903
23,764,631
4,600,444
4,069,822
15,797,997
12,243,969
TOTAL ( II )
56,414,344
40,078,422
1,141,524,370
946,134,318
590,883,783
511,686,089
1,620,580,154
1,228,782,177
1,495,871,427
1,153,206,706
TOTAL (A)
3,707,335,364
2,893,674,972
2,494,724,889
1,879,769,741
549,217,036
606,559,629
iii) Unsecured
663,393,439
407,345,602
3,707,335,364
2,893,674,972
i) Priority Sector
773,955,592
649,660,787
472,909,900
298,815,767
i) gaH$mar
ii) {dXoem|
F$U
Hw$b (E)
~r.
B. Particulars of Advances :
i) yV
TOTAL (B)
C. Sectoral Classification of Advances :
I. Advances in India
iii) Banks
934,951
1,805,600
iv) Others
1,348,348,482
1,063,400,725
TOTAL (C-I)
2,596,148,925
2,013,682,879
341,257,630
306,819,176
186,242,008
184,660,244
b) Syndicated Loans
186,925,377
152,816,449
c) Others
396,761,424
235,696,224
TOTAL (C-II)
1,111,186,439
879,992,093
TOTAL ( C - I, C - II )
3,707,335,364
2,893,674,972
97
/ BANK OF INDIA
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
11,631,340
11,476,796
1,902,558
154,544
4,382
Sub-total
13,529,516
11,631,340
47,212,385
19,613,350
13,099,523
10,594,208
47,642,377
20,650,482
17,936,034
15,192,015
3,767,783
3,145,807
631,151
401,788
Sub-total
21,072,665
17,936,034
12,280,048
10,797,238
8,792,617
7,138,796
1,425,581
911,976
57,860,575
28,701,254
18,914,782
1,114,569
26,020,581
19,209,454
52,052,219
44,055,583
27,720
22,444
1,266,837
794,457
VI. Others
113,076,604
43,961,538
TOTAL
211,358,743
109,158,045
AZwgyMr - 11 : A` AmpV`m
I. AVa H$m`mb` gm`moOZ ({Zdb)
II. Cn{MV `mO
III. A{J $n go Xm H$a / moV na H$mQ>o JE H$a ({Zdb)
IV. boIZ gmJr Ama Q>n
V. AmW{JV H$a AmpV`m
VI. A`
OmoS>
I. PREMISES :
Opening Balance at cost
Additions / Adjustments during the year
Less:Deductions / Adjustments during the year
TOTAL ( II )
III. CAPITAL WORK IN PROGRESS
TOTAL ( I, II, III )
98
/ BANK OF INDIA
V.
VI.
VII.
JE h Omitted)
Wm As at
31-03-2014
`
Wm As at
31-03-2013
`
10,449,068
8,113,001
1,951,442
1,170,424
1,431,828,363
1,426,112,004
a) In India
183,647,460
167,395,925
b) Outside India
229,377,025
128,253,018
305,960,175
271,427,822
294,505,775
202,187,374
66,973,660
12,208,459
2,524,692,968
2,216,868,027
For the
Year ended
31-03-2014
For the
Year ended
31-03-2013
`mO Xa dn
A` Xo {OZHo$ {bE ~H$ AmH$pH$ $n | XoZXma h
OmoS>
bm^ Ed hm{Z ImVo H$s AZwgy{M`m
271,192,766
231,392,121
84,049,660
72,612,644
20,033,696
12,569,655
IV. Others
3,824,894
2,514,870
TOTAL
379,101,016
319,089,290
14,260,912
12,631,524
7,956,294
4,470,597
7,111,702
6,440,395
AZwgyMr - 14 : A` Am`
I. H$reZ, {d{Z` Ama Xbmbr
II. {Zdoem| Ho$ {dH$` na bm^
KQ>mE : {Zdoem| Ho$ {dH$` na ZwH$gmZ
III. ^y{, ^dZm| Ama A` AmpV`m| Ho$ {dH$` na
bm^
KQ>mE : AMb AmpV`m| Ho$ {dH$` na ZwH$gmZ
IV
7,957,771
1,478
99
31,496,088
24,384,387
/ BANK OF INDIA
JE h Omitted)
For the
Year ended
31-03-2013
V
VI
459,038
446,377
13,130,450
13,671,538
42,918,396
37,660,431
`
I.
II.
III.
AZwgyMr - 16 : n[aMmbZJV ``
I.
II.
III.
IV.
V.
VI.
VII.
VIII.
IX.
X.
XI.
XII.
237,749,182
202,383,076
18,375,103
14,885,950
14,671,409
11,580,272
270,795,694
228,849,298
39,911,459
31,305,157
5,348,486
4,298,222
711,884
611,555
854,280
627,577
2,278,713
1,838,856
1,555
1,325
531,042
372,218
254,994
187,574
748,708
453,044
629,471
599,486
3,169,730
2,281,577
12,554,358
10,738,876
66,994,680
53,315,467
TOTAL
SCHEDULE - 16 : OPERATING
EXPENSES
I. Payments to and provisions for
employees
II. Rent, Taxes and Lighting
XI. Insurance
XII. Other Expenditure
TOTAL
100
/ BANK OF INDIA
AZwgyMr 17
hdnyU boIm Zr{V`m
1. V`ma H$aZo H$m AmYma :
{dmr` {ddaU M{bV {dMma Ymam H$m nmbZ H$aVo hE, nanamJV bmJV
AmYma na ^maV | gmm`V: AnZmE OmZo dmbo boIm {gmVm| (OrEEnr)
na V`ma {H$E JE h, {Og| bmJy gm{d{YH$ Cn~Y, ^maVr` [aOd ~H$ mam
{ZYm[aV {d{Z`mH$ eV} ^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam
Omar boImH$Z mZH$ (EEg) Ama ^maV Ho$ ~qH$J CmoJ | {dmZ boImH$Z
n{V em{b h& {dXoer emImAm|/H$m`mb`m| Ho$ g~Y | g~{YV {dXoem| |
M{bV gm{d{YH$ Cn~Ym| VWm boImH$Z n{V`m| H$m AZwnmbZ {H$`m h,
{gdm` CZHo$ {Oh|X A`b {d{Z{X>n {H$`m J`m h&
2. m$WbZ H$m `moJ :
{dmr` {ddaU H$mo V`ma H$aZo Ho$ {bE `h Amd`H$ h {H$ {dmr` {ddaU H$s
{V{W H$mo [anmoQ> {H$E J`o AmpV VWm Xo`VmAm| (AmH$pH$ Xo`VmAm| g{hV)
H$s am{e Ama [anmo{Q>J Ad{Y Ho$ {bE [anmoQ> {H$E J`o Am` Ama ``m| Ho$
gw{dMm[aV AZwmZm| VWm YmaUm| H$mo ~YZ nyam H$ao& ~YZ `h {dmg H$aVm
h {H$ {dmr` {dda{U`m| H$mo V`ma H$aZo | Cn`moJ {H$E J`o AZwmZ `Wmo{MV
VWm R>rH$ h& VWm{n m$bZ go Agb n[aUm | AVa hmo gH$Vm h& boIm
m$MbZ | {H$gr gemoYZ H$mo Mmby Ama ^{d` Ad{Y H$mo `mZ | aIH$a
m`Vm Xr OmVr h&
3. amOd nhMmZ
(H$) gmm`V: Am`/`` H$m boImH$Z CnM` AmYma na {H$`m OmVm h O~
VH$ {H$ A`Wm CoI Z {H$`m J`m hmo& {dXoer H$m`mb`m| Ho$ g~Y | Cg
g~{YV Xoe Ho$ WmZr` H$mZyZ Ho$ AZwgma Am` {ZYm[aV H$s OmEJr&
(I) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {gdm` AZwnmXH$ AmpV`m|
na `mO Ho$ {OgH$m dgybr hmoZo na {ZYmaU {H$`m OmVm h, g` AZwnmV
Ho$ AmYma na `mO Am` H$m {ZYmaU {H$`m OmVm h&
(J) ~H$ JmaQ>r Ama gmI n Omar H$aZo na H$reZ H$m CnM` ~rOr/Ebgr
Ho$ H$m`H$mb na hmoVm h&
(K) A` g^r H$reZ Ama {d{Z`, ~moH$aoO, ewH$ VWm A` ^mam| Ho$
dgybr na Am` Ho$ $n | {ZYmaU {H$`m OmVm h&
(L>) n[an$Vm VH$ Ym[aV loUr | {Zdoe na Am` (`mO Ho$ Abmdm) CgHo$
A{H$V y` na m Ny>Q> na {ZZmZwgma {ZYm[aV H$s OmVr h :
1. `mO XoZo dmbo {V^y{V`m| na Ho$db {~H$s/arSo>eZ Ho$ g` hr
BgH$m {ZYmaU {H$`m OmVm h&
2. Oramo-Hy$nZ {V^y{V`m| na {ZaVa {V$b Ho$ AmYma na {V^y{V Ho$
eof n[an$VVm H$mb na BgH$m boImH$Z {H$`m OmVm h&
(M) {Zdoem| H$s {~H$s go hE bm^ AWdm hm{Z H$mo bm^ VWm hm{Z ImVo |
m``Vm Xr OmVr h& VWm{n n[an$Vm VH$ Ym[aV loUr Ho$ VhV {Zdoem|
H$s {~H$s | bm^ H$s pW{V | H$am| Ho$ {Zdb Ama gm{d{YH$ amOdg
| AVaU Ho$ {bE Amd`H$ am{e Ho$ gmZ am{e H$mo nyOr amOd ImVo |
{d{Z`mo{OV {H$`m OmVm h&
(N>) bm^me m H$aZo H$m A{YH$ma Wm{nV hmoZo na bm^me H$m {ZYmaU {H$`m
OmVm h&
(O) y`mH$Z AmXoe nmg H$aZo Ho$ df | Am`H$a- [a$S> na `mO H$m
{ZYmaU {H$`m OmVm h&
(P) EZnrE ImVm| go H$s JB dgybr H$m {d{Z`moOZ nhbo CYmaH$Vm Ho$ ImVo
| So>{~Q> {H$E JE Am) `mO/Am`, {H$E JE ``/AmCQ> Am$
nmHo$Q> `` CgHo$ ~mX ~H$m`m ybYZ Ama AV | A^m[aV `mO |
{d{Z`mo{OV H$s OmVr h&
2) USE OF ESTIMATES:
3) REVENUE RECOGNITION:
(a) Income/Expenditure is recognised on accrual basis, unless
otherwise stated. In respect of foreign offices, income is
recognised as per local laws of host country.
(b) Interest income is recognised on time proportion basis except
(i) interest on Non-performing Assets, which is recognised on
realisation, in terms of the RBI guidelines.
(c) Commission on issue of Bank Guarantee and Letter of Credit is
accrued over the tenure of BG/LC.
(d) All other Commission and Exchange, Brokerage, Fees and
other charges are recognised as income on realisation.
(e) Income (other than interest) on investments in Held to Maturity
category acquired at a discount to the face value, is recognised
as follows:
1. On Interest bearing securities, it is recognised only at the
time of sale/ redemption.
2. On zero-coupon securities, it is accounted for over the
balance tenor of the security on a constant yield basis.
(f) Profit or loss on sale of investments is recognised in the
Profit and Loss account. However, in case of profit on sale of
investments under Held to Maturity category, an equivalent
amount, net of taxes and amount required to be transferred
to Statutory Reserves, is appropriated to Capital Reserve
Account.
(g) Dividend is recognised when the right to receive the dividend is
established.
(h) Interest on Income-tax refund is recognised in the year of
passing of assessment order.
(i) The recoveries made from NPA accounts are appropriated
first towards unrealised interest/income debited to borrowers
accounts, expenditure/out of pocket expenses incurred, then
principal dues and lastly towards uncharged interest.
101
/ BANK OF INDIA
4. A{J
(H$) bmJy {d{Z`mH$ {Xem{ZX}em| Ho$ AZwgaU | A{J H$mo CnmXH$ Ama
AZwnmXH$ A{Jm| (EZnrE) Ho$ $n | dJuH$V {H$`m OmVm h&
(I) bmJy {d{Z`mH$ {Xem{ZX}em| Ho$ AZwgma AZOH$ AmpV`m| (EZnrE) H$mo
AmJo AdmZH$, g{XY VWm hm{Z AmpV`m| Ho$ $n | dJuH$V {H$`m J`m
h&
(J) Kaoby emImAm| Ho$ g~Y | EZnrE go g~{YV mdYmZ ~H$ H$s Zr{V Ho$
AZwgma {deofH$a EZnrE H$m d[aV mdYmZrH$aU Ho$ AZwgma {H$`m J`m
h {OgH$m Xa {ZZmZwgma h&
EZnrE H$s loUr
4) ADVANCES:
(a) Advances are classified into Performing and Non-Performing
Advances (NPAs) in accordance with the applicable regulatory
guidelines.
(b) NPAs are further classified into Sub-Standard, Doubtful and
Loss Assets in terms of applicable regulatory guidelines.
(c) In respect of domestic branches, Provisions in respect of NPAs
is made as per policy of the bank particularly in accelerated
provisioning for NPAs which is at the rate given as under:
Category of NPAs
Sub Standard:*
AdmZH$ AmpV *
a) Exposures, which are unsecured ab initio
25%
H$) EgnmoOa, Omo Ama^ go Ja OmZVr h
b) Others
15%
I) A`
Doubtful:
g{XY :
H$) OmZVr {hgm (Cg Ad{Y Ho$ {bE {OgHo$ XmamZ A{J a) Secured portion (Period for which advance has
remained in doubtful category)
g{XY loUr | hr ahm)
- Upto one year
50%
- EH$ df VH$
One
year
to
three
years
60%
- EH$ df go VrZ df VH$
- More than three years
100%
- VrZ df go A{YH$
b)
Unsecured
portion
100%
I) Ja OmZVr {hgm
Loss
100%
hm{Z
* ~H$m`m A{J na
* on the outstanding advance
(K) {dXoer emImAm| Ho$ g~Y |, A{Jm| H$m EZnrE Ho$ $n | dJuH$aU
(d) In respect of foreign branches, classification of advances as
NPAs and provision in respect of NPAs is made as per the
Ama EZnrE Ho$ g~Y | mdYmZ g~{YV {dXoer Xoe | bmJy {d{Z`mH$
regulatory requirements prevailing at the respective foreign
Amd` H$VmAm| AWdm Kaoby emImAm| Ho$ {bE bmJy {Xem{ZX}em| Ho$
countries or as per guidelines applicable to domestic branches,
AZwgma hmoJr Omo ^r H$S>o hmo&
whichever is stringent.
(L>) ^maVr` [aOd ~H$ Ho$ mZH$m| Ho$ AZwgma {Zdb A{J Ho$ n[aH$bZ hoVw
(e) Provisions in respect of NPAs, unrealised interest, ECGC
Hw$b A{Jm| | go AZwnmXH$ AmpV`m, AdgybrH$V `mO, BgrOrgr
claims settled, etc., are deducted from total advances to arrive
Xmdm {ZnQ>mZ B`m{X Ho$ g~Y | mdYmZ KQ>mE OmVo h&
at net advances as per RBI norms.
(M) nwZ{ZYm[aV/nwZ:ga{MV ImVm| Ho$ g~Y | {dmZ y` pW{V |
(f) In respect of Rescheduled/Restructured advances, provision is
AmH${bV `mO nwZga{MV A{J Ho$ y` | mg Ho$ n[a`mJ Ho$ {bE
made for the diminution in the fair value of restructured advances
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mdYmZ {H$`m OmVm h&
measured in present value terms as per RBI guidelines. The
{Zdb A{J Ho$ n[aH$bZ hoVw Bg mdYmZ H$mo KQ>m`m OmVm h&
said provision is reduced to arrive at Net advances.
(N>) AmpV nwZJR>Z H$nZr (EAmagr)/{V^y{VH$aU H$nZr (Eggr) H$mo
(g) In case of financial assets sold to Asset Reconstruction
{dmr` AmpV`m ~oM XoZo Ho$ mbo | `{X {~H$s H$m y` {Zdb ~hr
Company (ARC) / Securitisation Company (SC), if the sale
y`n (EZ~rdr) go A{YH$ h Vmo A{V[a$` am{e H$mo aIm OmVm h Ama
is at a price higher than the NBV, the surplus is retained and
utilised to meet the shortfall/loss on account of sale of other
Eggr/EAmagr H$mo A`b {dmr` AmpV`m| H$s {~H$s | hmoZodmbr H$r/
financial assets to SC/ARC. If the sale is at a price below the
hm{Z H$s ny{V hoVw Cn`moJ {H$`m OmVm h& `{X {~H$s {Zdb ~hr y`
net book value (NBV), (i.e. outstanding less provision held)
(EZ~rdr) go ZrMo h (AWmV aIo JE mdYmZ go H$ ~H$m`m) Vmo H$r
the shortfall is to be debited to the Profit and Loss account.
H$mo bm^ Ed hm{Z ImVo | Zmo {H$`m OmVm h& `{X A{V[a$ am{e CnbY
However if surplus is available, such shortfall will be absorbed
h Vmo Eogr H$r H$mo Cg| Inm`m OmEJm& 26.02.2014 H$mo AWdm CgHo$
in the surplus. Any such shortfall arising due to sale of NPA on
~mX EZnrE H$s {~H$s go Cn {H$gr ^r H$r H$mo `{X A{V[a$ am{e |
or after 26/02/2014 will be amortised over a period of two years
Inm`m Zht OmVm h Vmo Cgo Xmo df H$s Ad{Y Ho$ {bE n[aemo{YV {H$`m
if not absorbed in the surplus.
OmEJm&
Excess provision arising out of sale of NPAs are reversed only
EZnrE H$s {~H$s go m A{V[a$ mdYmZ H$mo V^r [adg {H$`m OmEJm
when the cash received (by way of initial consideration only/
O~ AmpV H$m {Zdb ~hr y`r m ZH$Xr (Ho$db ma{^H$ {V$b
or redemption of SRS/PTC) is higher then the net book value
mam/AWdm EgAmaEg/nrQ>rgr H$m arSo>neZ) go A{YH$ hmoJm& A{V[a$
(NBV) of the asset. Reversal of excess provision will be limited
mdYmZ H$m [adgb AmpV Ho$ EZ~rdr go A{YH$ m ZH$Xr Ho$ Cg hX
to the extent to which cash received exceeds the NBV of the
VH$ gr{V hmoJr&
asset.
102
/ BANK OF INDIA
(O) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mZH$ AmpV`m| Ho$ $n
| dJuH$V nwZ:ga{MV A{Jm| g{hV mZH$ AmpV`m| H$m mdYmZ {H$`m
OmVm h&
(P) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {Zdb {Z{YH$ Xoe Ho$
EgonmoOa Ho$ {bE loUr~ Ho$b na mdYmZ {H$`m OmVm h&
5. AWm`r mdYmZ :
~H$ | AWm`r mdYmZ H$m gOZ H$aZo Ama CgH$m Cn`moJ H$aZo H$s Zr{V h&
`oH$ {dmr` df Ho$ AV | g{OV H$s OmZo dmbr AWm`r mdYmZ H$s mm
H$m {ZYmaU {H$`m OmVm h& AWm`r mdYmZ H$m Cn`moJ Zr{V | {ZYm[aV
Ho$db AgmYmaU n[apW{V`m| Ho$ AVJV AmH$pH$VmAm| Ho$ {bE ^maVr`
[aOd ~H$ H$s nyd AZw{V go AWdm {H$gr {Z{X> Co` Ho$ {bE ^maVr` [aOd
~H$ mam Xr JB {deof AZw{V go hr {H$`m OmVm h&
6. So>{~Q>/Ho${S>Q> H$mS> [admS> nmBQ> :
Ho${S>Q>/So>{~Q> H$mS>m] na [admS> nmBQ> Ho$ {bE mdYmZ `oH$ loUr | g{MV
~H$m`m nmBQ> Ho$ AmYma na {H$`m OmVm h&
7. {Zdoe :
{Zdoem| H$m dJuH$aU ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma n[an$Vm
VH$ Ym[aV H$mamo~ma Ho$ {bE Ym[aV Ama {~H$s hoVw Ym[aV lo{U`m| | {H$`m J`m
h& ^maV | {H$E JE {Zdoem| Ho$ H$Q>Z Ho$ Co` go Bh| Ama~rAmB {Xem{ZX}em|
Ho$ AZwgma N>h dJm] Ho$ VhV dJuH$V {H$`m OmVm h Ogo gaH$mar {V^y{V`m,
A` AZwmo{XV {V^y{V`m, eo`a, {S>~|Ma Ama ~mS>, AZwf{J`m| Ama ghm`H$
H$n{Z`m| Ama A` | {Zdoe ^maV Ho$ ~mha {Zdoem| Ho$ {bE Ama~rAmB Ho$
{Xem{ZX}em| Ho$ AZwgma Bh| Mma lo{U`m| | dJuH$V {H$`m OmVm h Ogo gaH$mar
{V^y{V`m (WmZr` m{YH$m[a`m| g{hV), {dXoe | AZwf{J`m|/g`w$ C Ama
A` {Zdoe&
(H$) dJuH$aU H$m AmYma
{Zdoe H$m dJuH$aU CgHo$ AOZ Ho$ g` {H$`m OmVm h& gaH$mar
{V^y{V`m| | g`dhma H$m {ZYmaU gPmVo H$s VmarI na Ama A`
{Zdoem| H$m {ZYmaU H$mamo~ma H$s VmarI H$mo {H$`m OmVm h&
i. n[an$Vm na Ym[aV
Bg| Eogo {Zdoe h {Oh| ~H$ n[an$dVm VH$ aIZo H$m BamXm aIVm
h& AZwf{J`m|, g`w$ Cm| Ama ghm`H$ H$n{Z`m| | {H$E JE
{Zdoe H$mo ^r n[an$Vm VH$ Ym[aV Ho$ VhV dJuH$V {H$`m OmVm h&
ii. H$mamo~ma Ho$ {bE Ym[aV
Bg| Eogo {Zdoe h {Oh| An {`mXr y`mo/`mO Xa Ho$ CVmaMT>md H$m bm^ boVo hE H$mamo~ma Ho$ BamXo go AOZ {H$`m OmVm h&
IarX H$s VmarI go 90 {XZm| Ho$ AXa BgH$m H$mamo~ma {H$`m OmVm
h&
iii. {~H$s Ho$ {bE CnbY
Eogo {Zdoe {OZH$m dJuH$aU n[an$ Vm VH$ Ym[aV AWdm H$mamo~ma
Ho$ {bE Ym[aV $n | Zht {H$`m h, Ch| Bg erf | aIm J`m h&
I) {Zdoe H$m A{YJhU bmJV
i. B{$Q>r {Zdoe Ho$ AOZ Ho$ {bE ^wJVmZ {H$E JE ~moH$aoO, H$reZ,
{V^y{V`m| H$m g`dhma H$a B`ma{X bmJV | em{b h&
ii. ~moH$aoO, H$reZ, F$U {Zdoe na ^wJVmZ/mm {H$E JE I{S>V
Ad{Y Ho$ `mmO H$mo Am`/`O` Ho$ $n | mZm J`m h Ama Bgo
bmJV/{~H$s na {dMma H$aVo g` em{b Zht {H$`m OmVm&
iii. {Zdoem| Ho$ A{^XmZ na m ~moH$aoO Ama H$reZ H$mo bm^ Ama
hm{Z ImVo | Om {H$`m OmVm h&
iv. {Zdoe H$s bmJV ^m[aV AmgV bmJV Cnm` mam {ZYm[aV H$s OmVr
h&
The bank has a policy for creation and utilisation of floating provisions.
The quantum of floating provisions to be created is assessed at
the end of each financial year. The floating provisions are utilised
only for contingencies under extraordinary circumstances specified
in the policy with prior permission of Reserve Bank of India or on
being specifically permitted by Reserve Bank of India for specific
purposes.
7) INVESTMENTS:
Held to Maturity
103
/ BANK OF INDIA
i)
Held to Maturity
1 Investments included in this category are carried at their
acquisition cost, net of amortisation, if any. The excess of
acquisition cost, if any, over the face value is amortised over
the remaining period to maturity using constant yield method.
Such amortisation of premium is adjusted against income
under the head interest on investments.
2 Investments in subsidiaries, joint ventures and associates
(both in India and abroad) are valued at historical cost
except for investments in Regional Rural Banks, which are
valued at carrying cost (i.e. book value). A provision is made
for diminution, other than temporary, for each investment
individually.
Government Securities
Other Approved Securities
Equity Shares, PSU and
Trustee shares
104
/ BANK OF INDIA
Investments are classified as performing and nonperforming, based on the guidelines issued by the RBI in
case of domestic offices and respective regulators in case
of foreign offices.
8) Derivative
9) FIXED ASSETS:
(a) Fixed assets are stated at historic cost, except in the case of
assets which have been revalued, which is stated at revalued
amount. The appreciation on revaluation is credited to
Revaluation Reserve.
(b) Cost includes cost of purchase and all expenditure such as
site preparation, installation costs, professional fees etc.
incurred on the asset before it is put to use. Subsequent
expenditure incurred on assets put to use is capitalised only
when it increases the future benefits from such assets or their
functioning capability.
(c) Cost of premises includes cost of land, both freehold and
leasehold.
105
/ BANK OF INDIA
{ddaU
n[aga
A` AMb AmpV`m
y`mg H$s Xa
Sr.No. Particulars
Rate of Depreciation
5.00%
1.
Premises
2.
and
N>. ^maV Ho$ ~mha AMb AmpV`m| na y`mg H$m mdYmZ {d{Z`mH$
H$s Amd`H$VmAm|/AWdm g~{YV Xoem|/C | M{bV n{V`m| Ho$
AZwgma {H$`m J`m h&
11. {dXoer wm {d{Z` go g~ g`ydhma :
{dXoer wm dmbo g`dhmam| H$m boImH$Z, boImmZH$ (EEg)11 {dXoer
{d{Z` Xam| | ^mdr n[adVZ Ho$ AZwn {H$`m J`m h&
H$) gmH${bV {dXoer n[aMmbZm| Ho$ g~Y | n>rH$aU
^maVr` emImAm| Ho$ {dXoer wm | g`ndhmam| H$m dJuH$aU gmH${bV
{dXoer n[aMmbZ Ho$ $n | {H$`m J`m h Ama Eogo n[aMmbZ Ho$ {dXoer
wm | g`dhmam| H$mo {ZZmZwgma n> {H$`m J`m h:
i. {dXoer wm | g` dhmam| H$mo [anmo{Q>J wm | Ama{^H$ mVm na
[aH$mS> {H$`m OmVm h Omo ^maVr` {dXoer wm `mnmar gK (o$S>mB)
mam gy{MV gmm{hH$ AmgV bmoqOJ Xa na [anmo{Q>J wm Ama
{dXoer wm Ho$ ~rM {d{Z` Xa H$mo {dXoer wm aH$ na bJm`m
OmVm h&
ii. {dXoer wm m{H$ X| o$S>mB Ho$ bmoqOJ nmQ> Xam| H$m `moJ H$a
[anmoQ> H$s OmVr h&
iii. {dXoer wm Ja-m{H$ X| Omo nanaamJV bmJV Ho$ AZwgma H$s
OmVr h Cgo g` dhma H$s VmarI | {d{Z` Xa H$m `moJ H$aVo
hE [anmoQ> H$s OmVr h&
10.00%
15.00%
20.00%
33.33%
100.00%
106
/ BANK OF INDIA
iv.
i.
ii.
107
/ BANK OF INDIA
I. n|eZ
~H$ g^r nm H$Mm[a`m| H$mo n|eZ XoVm h& {Z`V Ho$
AZwgma `h bm^ m{gH$ ^wJVmZ Ho$ $n | hmoVm h Ama
{Z{hV H$Mm[a`m| H$mo godm{Zd{m na, {Z`moOZ Ho$ XmamZ `w
na, AWdm {Z`moOZ H$s gm{ na ^wJVmZ {H$`m OmVm h&
{Z`m| Ho$ AZwgma dopQ>J {d{^ Vam| na hmoVr h& ~rAmoAmB
(H$Mmar) n|eZ {d{Z`Z Ho$ AZwgma ~H$ n|eZ {Z{Y | doVZ
H$m 10% m{gH$ AeXmZ H$aVm h& n|eZ H$s Xo`Vm dV
~rm{H$H$ y`mH$Z na AmYm[aV h Omo dm{fH$ $n | H$s
OmVr h Ama n|eZ {d{Z`Z Ho$ VhV ^wJVmZ Ho$ bm^m| H$mo
gwa{jV aIZo Ho$ {bE Amd`H$Vm nS>Zo na {Z{Y | ~H$ mam
Eogo A{V[a$ AeXmZ {H$E OmVo h&
I. n[a{Z{V AeXmZ `moOZm :
H$. ^{d` {Z{Y
~H$ EH$ ^{d` {Z{Y `moOZm MbmVr h& g^r nm H$Mm[a`m|
H$mo ~H$ Ho$ ^{d` {Z{Y `moOZm Ho$ VhV bm^ nmZo H$m hH$
h& ~H$ EH$ {ZYm[aV Xa (dVmZ | H$Mmar Ho$ ~o{gH$ doVZ
Ho$ 10% Ho$ gmW nm ^moo) na m{gH$ AeXmZ H$aVr h&
`h AeXmZ Bg Co` go Wm{nV `mg H$mo o{fV {H$`m OmVm
h Ama Bgo bm^ VWm hm{Z ImVo | ^m[aV {H$`m OmVm h
Ama Bgo bm^ VWm hm{Z ImVo | ^m[aV {H$`m OmVm h& ~H$
Eogo dm{fH$ AeXmZm| H$mo Cg g~{YV df Ho$ `` Ho$ $n |
m`Vm XoVm h&
I. n|eZ
{XZmH$ 01 Ab, 2010 go ~H$ | ^Vu hE g^r H$Mmar
AeXm`r n|eZ Ho$ nm h& Eogo H$Mmar n|eZ `moOZm |
n[a{Z{V Xa na m{gH$ AeXmZ H$aVo h& C$ n|eZ `moOZm
| ~H$ ^r n[a{Z{V Xa na m{gH$ AeXmZ H$aVm h& Eogr
`moOZm | hE `` H$mo g~{YV df Ho$ `` Ho$ $n | mVm
XoVm h& `h AeXmZ am>r` n|eZ {gQ> `m{g H$mo AV[aV
{H$`m OmVm h& ~H$ H$m Xm{`d Eogo n[a{ZV AeXmZ VH$
gr{V h&
iii. A` XrKH$m{bH$ H$Mmar bm^
H$. Nw>>r ZH$XrH$aU bm^ Omo n[a{Z{V bm^ Xm{`d h, EEg 15
H$Mmar bm^ Ho$ AZw$n ~rm{H$V y`mH$Z Ho$ AmYma na CnbY
H$adm`m OmVm h&
I. A` H$Mmar bm^ Ogo Nw>>r {H$am`m [a`m`V, mBbQ>moZ EdmS>,
nwZWmnZm bm^, AmH$pH$ bm^ B`m{X n[a{Z{V bm^ Xm{`d h
Omo EEg 15 H$Mmar bm^ Ho$ AZw$n ~rm{H$V y`mH$Z Ho$ AmYma
na CnbY H$adm`m OmVm h&
13. {V eo`a AOZ :
H$. EEg 20 AOZ {V eo`a Ho$ AZwgma {V B{$Q>r eo`a ~o{gH$ Ed
S>m``yQ>oS> AOZ H$s [anmoQ> H$s OmVr h& {V B{$Q>r eo`a yb AOZ H$s
Cg Ad{Y Ho$ XmamZ ~H$m`m B{$Q>r eo`a H$s ^m[aV AmgV g`m mam
{Zdb go ^mJ H$a JUZm H$s OmVr h&
I. {V B{$Q>r eo`a S>m``yQ>oS> Am` H$s B{$Q>r eo`am| H$s ^m[aV AmgV
g`m Ed Ad{Y Ho$ XmamZ ~H$m`m Vab g^m` B{$Q>r eo`am| H$mo Cn`moJ
| boH$a JUZm H$s OmVr h&
b) Pension
108
/ BANK OF INDIA
109
Share issue expenses are charged to the Profit and Loss Account in
the year of issue of shares.
/ BANK OF INDIA
AZwgyMr 18
SCHEDULE 18
All figures are in ` Crores unless specifically stated
O~ VH$ {H$ {d{e> $n go A`Wm Z H$hm J`m hmo g^r AmH$So> ` H$amoS>m| | h H$moH$
| {XE AmH$So> {nN>bo df go g~{YV h
boIo na {Q>pU`m
1. During the year, the Bank has issued 4,63,60,686 Equity Shares of
2. AZnyaH$ ImVm boIo H$m VwbZ Ama {dXoer emIm Ama ZmoQmo ImVm| go nw{>/
boIm gmYmZ Ama CMV, Xo`-SmQ>, gmemoYZ {^Vm Am{X | {d{>`m| H$m
gm`moOZ bJmVma {H$`m Om ahm h& {dXoer emImAm| g{hV Cnamo$ b{~V A{V
gmemoYZ / gm`moOZ H$m ~YZ H$s am` | boIm| na gJ ^md ZJ` ahoJm&
3. df Ho$ XmamZ ~H$ Zo AnZr boImH$Z Zr{V | n[adVZ {H$`m h Ama AdmZH$
({V^yVrH$V) Ho$ $n | dJuH$V EZnrE Ho$ g~Y | mdYmZrH$aU 20%
(d[aV mdYmZ) go 15% (`yZV mdYmZ) {H$`m h {OgHo$ n[aUmd$n
31 mM, 2013 VH$ EZnrE hoVw {H$E JE ` 248.71 H$amoS> H$m amBQ> ~H$ {H$`m
J`m h& AJa nhbo H$s boImH$Z Zr{V H$m nmbZ {H$`m J`m hmoVm Vmo, df Ho$
{bE EZnrE hoVw mdYZm ` 325.38 H$amoS> A{YH$ hmoVm Ama n[aUmd$n df
Ho$ {bE {Zdb bm^ (H$a H$m {Zdb) ` 214.78 H$amoS> H$ hmoVm&
3. During the year, the Bank has changed its accounting policy
4. {ZZ{bpIV OmZH$mar H$m ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma H$Q>Z
{H$`m J`m h
by RBI:
4.1. Capital:
4.1) nyOr :
H$.g.
{ddaU
gmm` B{$Q>r {Q>`a 1 nyOr AZwnmV (CET1) (%)
~mgob-II
~mgob -III
{Q>`a 1 nyOr AZwnmV (%
~mgob -II
~mgob -III
{Q>`a II nyOr AZwnmV (%)
~mgob -II
~mgob -III
Hw$b nyOr AZwnmV (CRR) (%
~mgob II
~mgob -III
^maV gaH$ma H$s eo`aYm[aVm H$m {VeV
Sr.
Particulars
No.
i)
Common Equity Tier 1 Capital ratio (CET1) (%)
ii)
iii)
iv)
Basel-II
NA
NA
Basel-III
6.84%
NA
Basel-II
7.57%
8.20%
Basel-III
7.24%
NA
Basel-II
3.19%
2.82%
Basel-III
2.73%
NA
10.76%
11.02%
v)
vi)
ix)
vii)
31.03.2014 31.03.2013
110
9.97%
NA
66.70%
64.11%
1000.00
809.00
1500.00
/ BANK OF INDIA
{Q>`a I nyOr ~T>mZo hoVw {bE JE ~H$m`m Zdmoof gVV F$U {bIV(AmBnrS>rAmB)
Ho$ `mao {ZZmgZwgma h :
df
df$n
am{e
2006-07 AmBnrS>rAmB
509.77
(`yEgS>r 85 {{b`Z)
2007-08 AmBnrS>rAmB
655.00
2008-09 AmBnrS>rAmB
400.00
2009-10 AmBnrS>rAmB
325.00
2010-11 AmBnrS>rAmB
300.00
{Q>`a II nyOr ~T>mZo hoVw {bE JE ~H$m`m {Q>`a II {bIVm|
df
df$n
am{e
2003-04
2004-05
2005-06
2006-07
bmoAa {Q>`a II
bmoAa {Q>`a II
bmoAa {Q>`a II
Ana {Q>`a II
2006-07
2008-09
2009-10
2010-11
2013-14
2013-14
4.2 {Zdoe
4.3
Ana {Q>`a
Ana {Q>`a
Ana {Q>`a
Ana {Q>`a
Ana {Q>`a
Ana {Q>`a
550.00
300.00
950.00
1,437.54
(`yEgS>r 240 {{b`Z)
732.00
500.00
2000.00
1000.00
1000.00
500.00
II
II
II
II
II
II
H$.
{ddaU
g.
1 {Zdoe H$m y`
i)
{Zdoem| H$m gH$b y``
H$) ^maV |
I) ^maV Ho$ ~mha
ii) y`momg hoVw mdYmZ
H$) ^maV |
I) ^maV Ho$ ~mha
iii) gH$mU
H$) ^maV |
I) ^maV Ho$ ~mha
iv) {Zdoem| H$m {Zdb y`m
H$) ^maV |
I) ^maV Ho$ ~mha
2 {Zdoe na y`mg Ho$ {bE {H$E JE
mdYmZm| H$s pW{V
i)
ma{^H$ eof
ii) OmoS|>: df Ho$ XmamZ {H$E JE mdYmZ
iii) KQ>mE : ~>oImVo S>mbZm/df Ho$ XmamZ
A{V[a$ mdYmZ H$m amBQ>-~H$
iv) A{V eof
655.00
400.00
325.00
300.00
Ho$ `mao
grAmaEAma n[aH$bZ
Ho$ `moOZ hoVw JUZm
230.00
1,437.54
Nature
Amount
IPDI
509.77
(USD 85 Million)
2007-08
IPDI
655.00
655.00
2008-09
IPDI
400.00
400.00
2009-10
IPDI
325.00
325.00
2010-11
IPDI
300.00
300.00
Details of outstanding Tier II Instruments raised for to augment Tier
II capital is as under:
Raised in
the year
Nature
Amount
2003-04
Lower Tier II
550.00
2004-05
Lower Tier II
300.00
2005-06
Lower Tier II
950.00
230.00
2006-07
Upper Tier II
1,437.54
(USD 240
Million)
1,437.54
2006-07
Upper Tier II
732.00
732.00
2008-09
Upper Tier II
500.00
500.00
2009-10
Upper Tier II
2000.00
2000.00
2010-11
Upper Tier II
1000.00
1000.00
2013-14
Upper Tier II
1000.00
1000.00
2013-14
Upper Tier II
500.00
500.00
732.00
500.00
2000.00
1000.00
1000.00
500.00
4.2. Investments
4.3.
`Wm
`Wm
31.03.2014 31.03.2013
115,251.01
109,128.04
6,122.97
1,095.30
617.04
478.26
3.28
3.28
114,152.43
108,511.00
5,641.43
95,595.94
91,140.12
4,455.82
980.09
534.53
445.56
2.42
2.42
94,613.43
90,605.59
4,007.84
980.10
72.55
(42.65)
939.19
76.69
35.78
1,095.30
980.10
Sr.No.
1
Particulars
115,251.01
95,595.94
109,128.04
91,140.12
6,122.97
4,455.82
1,095.30
980.09
a) In India
617.04
534.53
b) Outside India
478.26
445.56
Amortisations
3.28
2.42
a) In India
b) Outside India
ii)
iii)
a) In India
b) Outside India
iv)
111
As at
31.03.2013
Value of Investments
i) Gross Value of Investments
As at
31.03.2014
3.28
2.42
114,152.43
94,613.43
108,511.00
90,605.59
5,641.43
4,007.84
980.10
939.19
72.55
76.69
(42.65)
35.78
1,095.30
980.10
Opening balance
ii)
iii)
iv)
Closing balance
/ BANK OF INDIA
{ddaU
Particulars
~H$m`m `Wm
31 mM, 2014
Minimum outstanding
during the year
Maximum outstanding
during the year
Daily Average
outstanding during
the year
Outstanding as on
March 31, 2014
(-)
(-)
9,178.00
(9,000,00)
(-)
3,153.67
(4,417.51)
(-)
2,270.00
(500.00)
(-)
(-)
(-)
(-)
(-)
(-)
(-)
(-)
(-)
Bg| ^aVr` [aOd ~H$ Ho$ gmW ZH$Xr gm`moOZ gw{dYm (EbEE$) AVJV {H$E JE gmXo em{b h (m{OZ H$mo N>moS>H$a)
The above include transactions undertaken under Liquidity Adjustment Facility (LAF) with RBI (net of margin).
4.3.2. Ja-EgEbAma
{Zdoe g{d^mJ:
H$.
g.
OmarH$Vm
(1)
(2)
Issuer
am{e
Amount
Sr.
No.
i.
ii.
iii.
~H$/ Banks
iv.
v.
AZwf{J`m/ g`w$ C
vi.
A`/Others
Subsidiaries/Joint Ventures
Cn-OmoS>/Sub-total
vii.
Hw$b / Total
(3)
3,318.47
(1,206.91)
2,179.76
(1,923.47)
1,538.35
(1,200.83)
3,282.12
(2,641.51)
907.71
(687.79)
3,425.39
(5,960.73)
14,651.80
(13,621.24)
1,084.67
(948.87)
13,567.13
(12,672.37)
(` H$amoS> |)
{ZOr Vma na eo`a {Zdoe JoS> go ZrMo
Am~Q>Z
{V^y{V Am~Q>Z
112
AloUrH$V
AgyMr~ Am~Q>Z
Extent of
{V^y{V Am~Q>Z
Extent of
Unrated
Securities
Un-listed
Securities
(6)
(7)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
59.91
(0.00)
907.71
(687.79)
151.15
(149.46)
1,118.77
(837.25)
0.00
(0.00)
1,118.77
(837.25)
0.00
(10.00)
0.00
(0.00)
0.00
(134.07)
2,022.82
(4,217.59)
0.00
(0.00)
1,227.63
(406.40)
3,250.45
(4,768.06)
0.00
(0.00)
3,250.45
(4,768.06)
/ BANK OF INDIA
ii)
(` H$amoS> |)
{ddaU
ma{^H$ eof
df Ho$ XmamZ n[adYZ
df Ho$ XmamZ H$Q>m{V`m
B{Veof
Ym[aV Hw$b mdYmZ
* {d{Z` AVa em{b
4.3.3 {~H$s VWm EMQ>rE loUr H$mo/go hVmVaU:
Particulars
2013-14
2012-13
Opening balance
544.27
576.80
365.73
205.47*
99.80
238.00
Closing balance
810.20
544.27
547.93
458.94
Particulars
2013-14 2012-13
{ddaU
ey`
df Ho$ ma^ o EMQ>rE loUr | aIo JE {Zdoe Ho$ ~{h y` Ho$ 5% Value in excess of 5% of the book value of investments held in ey`
HTM category at the beginning of the year
Nil
Nil
go A{YH$ y`
4.4 So>[ado{Q>d
4.4. Derivatives
4.4.1 dm`Xm Xa AZw~Y/`mO Xa dn
4.4.1. Forward Rate Agreement/ Interest Rate Swap
(` H$amoS> |) Sr. Particulars
As at
As at
No.
31.03.2014
31.03.2013
H $ . {ddaU
`Wm
`Wm
i)
The notional principal of swap
18,308.67
19,275.34
g.
31.03.2014 31.03.2013
agreements
i)
dn AZw~Y H$s H$pnV yb am{e
18,308.67
19,275.34
ii)
Losses which would be incurred
148.06
986.02
ii)
g~{YV njm| mam H$ama Ho$ AVJV
148.06
986.02
if counterparties failed to fulfil
their obligations under the
AnZo Xm{`d ny{V Z {H$E OmZo Ho$
agreements
$bd$n hmoZo dmbr hm{Z`m
iii) Collateral required by the bank No collaterals were required for
iii) dn {H$`m AnZmZo na ~H$ mam dn Ho$ {bE gnm{H$ {V^y{V
upon entering into swaps
the swaps as counterparties
Ano{jV gnm{H$ {V^y{V
H$s OaV Zht h `m|{H$ H$mCQ>a
were either banks or premier
nmQ>u `m Vmo ~H$ AWdm r{`a
Corporate.
H$mnm}aoQ> h&
iv) Concentration of credit risk There is no concentration of
iv) dn go AmE Ho${S>Q> OmopI H$m df Ho$ XmamZ `m>O Xa dn go
arising from the swaps
credit risk arising from the
interest rate swaps undertaken
gH|$U
Cn F$U OmopI H$m H$moB gHo$r
during the year.
Zht h&
v)
The fair value of the swap book
87.98
1,016.84
v)
dn ~hr H$m C{MV y`
87.98
1,016.84
4.4.2. Exchange Traded Interest Rate Derivatives
4.4.2 {d{Z` `mnma `mIO Xa So>[ado{Q>d
H$. {ddaU
g.
Sr.
No.
(i)
(ii)
(iii)
(iv)
Particulars
`Wm
`Wm
(-)
(-)
(-)
(-)
(-)
(-)
(-)
(-)
As at
As at
31.03.2014 31.03.2013
Notional principal amount of exchange traded interest
rate derivatives undertaken during the year (instrumentwise)
Notional principal amount of exchange traded interest
rate derivatives outstanding as on 31st March
(instrument-wise)
Notional principal amount of exchange traded interest
rate derivatives outstanding and not "highly effective"
(instrument-wise)
Mark-to-market value of exchange traded interest
rate derivatives outstanding and not "highly effective"
(instrument-wise)
113
/ BANK OF INDIA
Qualitative Disclosure
114
/ BANK OF INDIA
Ad{e> n[an$Vm
EH$ df `m Cggo H$
EH$ df go A{YH$ nmM df VH$
nmM df go A{YH$
Residual Maturity
One year or less
Over one year to five years
Over five years
F$U OmopI H$s JUZm H$aVo g` {~H$sJV {dH$nmo H$mo dhm N>moS> {X`m OmVm
received / realized.
h&
ii.
^maVr` [aOd ~H$ Ho$ {Xem {ZX}emZwgma Ho$ AZwgma g{dXm Ho$ dVmZ ~mOma
per the current Mark to Market value of the contracts, also attracts
y` na F$U OmopI H$s JUZm H$s OmVr ho& Bg na mZH$ loUr Ho$ F$U
AmpV na bmJy mdYmZ OaV| ^r bmJy h& dVmZ | OmopI dmbr AmpV`m|
na 0.4% mdYmZ {H$`m OmZm h& hmao ImVm| | ~H$ Cn`w$ Ho$ AZwgma
mmH$ H$Q>Z
H$.
g.
{ddaU
Quantitative Disclosures
Particulars
`mO Xa na pW{V`m 1
a) Asset (+)
H$)
a) On hedging derivatives
hoqOJ So>[ado{Q>d na
QoqS>J So>[ado{Q>d na
hoqOJ So>[ado{Q>d na
a) On hedging
I)
QoqS>J So>[ado{Q>d na
b) On trading
115
17,431.58
(1,772.34)
(18,593.84)
876.87
(1,21,083.05)
(681.43)
0.00
698.07
(104.81)
(1,016.81)
95.68
21.20
(13.04)
(46.82)
6,279.92
360.26
(9,518.42)
(280.09)
1.69
67.43
(0.02)
(22.07)
0.01
-0.01
b) On trading derivatives
Maximum & Minimum of 100*PV01 observed
during the year
6,461.74
1,31,059.06
b) Liability (-)
Ho${S>Q> EgmnmoOa 2
I)
a) For hedging
b) For trading
Xo`Vm (-)
Interest Rate
Derivatives
I) H$mamo~ma hoVw
I)
Sr.
No.
(0.00)
Max
Min
4.01
1.69
(0.04) (0.02)
0.01
0.01
(0.01) (0.00)
(0.00)
Max
Min
70.79
67.53
(20.25) (14.29)
0.01
0.01
(0.00)
(0.00)
/ BANK OF INDIA
(. H$amoS> |)
Particulars
2013-14
2012-13
2.00%
2.06%
a) Opening balance
8,765.25
5,893.97
8,810.91
7,379.56
c)
5,707.56
4,508.28
11,868.60
8,765.25
a) Opening balance
5,947.31
3,656.42
3,040.02
2,960.27
c)
1,570.11
669.38
7,417.22
5,947.31
a) Opening balance
1,958.88
1,472.78
4,522.15
2,876.69
c)
2,916.72
2,390.59
3,564.31
1,958.88
d) Closing balance
(iii) Movement of Net NPAs
d) Closing balance
(iv) Movement of provision for NPAs (excluding provisions
on standard assets)
d) Closing balance
(b) Non performing Investments
(. H$amoS> |)
Particulars
(i) Net NPIs to Net Investment (%)
2013-14 2012-13
0.23%
0.09%
Opening balance
544.27
576.90
b)
365.73
198.51
c)
99.80
231.14
d)
Closing balance
810.21
544.27
Opening balance
b)
c)
d)
Closing balance
85.33
186.04
182.50
(69.79)
5.55
30.92
262.28
85.33
Opening balance
458.95
390.86
b)
183.23
268.30
c)
94.25
200.21
d)
Closing balance
547.93
458.95
116
117
No
Sr.
H$.
g.
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
No. Of
Borrowers
Restructured standard
advances which
cease to attract higher
provisioning and / or
additional risk weight
at the end of the FY
and hence need not be
shown as restructured
standard advances at
the beginning of the
next FY
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
No. Of
Borrowers
CYmaH$Vm A m|
H$s gm
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
Upgradations to
restructured standard
category during the FY
Fresh restructuring
during the year
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
As on April 1 of FY
(Opening Figure)
Details
Type of Restructuring
48.70
(0.0)
446.67
(257.73)
0.00
(0.0)
0.00
(0.0)
1138.40
(349.97)
141.63
(36.80)
0
(0)
-12.87
(0.0)
12.87
(0.0)
12
(5)
-138.69
(0.0)
138.69
(0.0)
-2
(0)
56.03
(43.36)
228.55
(283.86)
2
(0)
457.81
(339.99)
2017.35
(3551.40)
5
(5)
1073.73
(0)
4951.96
(2569.07)
15
(40)
7
(0)
Substandard
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
9.96
(18.79)
39.16
(44.13)
2
(2)
Doubtful
d{H$ /Global
AdmZH$
g{XY
56
(29)
Standard
mZH$
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
Loss
hm{Z
65
(31)
Total
Hw$b
141.63
(36.80)
1138.40
(349.97)
12
(5)
0.00
(0.0)
0.00
(0.0)
0
(0)
284.58
(327.22)
2475.16
(3891.39)
20
(45)
505.33
(276.52)
6064.85
(2613.20)
0.05
(0.0)
4.30
(0.0)
9
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
14.99
(1.09)
542.01
(379.14)
86
(57)
1.17
(0.0)
385.92
(15.17)
71
(14)
Standard
mZH$
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
6.61
(0.0)
127.17
(11.71)
9
(4)
0.00
(0.0)
11.71
(0.0)
4
(0)
Substandard
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
3.68
(0.0)
35.80
(1.35)
2
(1)
0.00
(0.0)
1.35
(0.0)
1
(0)
Doubtful
d{H$ /Global
AdmZH$
g{XY
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
Loss
hm{Z
0.05
(0.0)
4.30
(0.0)
9
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
25.28
(1.09)
704.98
(392.20)
97
(62)
1.17
(0.0)
398.98
(15.17)
76
(14)
Total
Hw$b
14.92
(19.30)
5147.07
(942.55)
6255
(25411)
0.10
(0.0)
1355.81
(3.28)
-1
(2)
103.40
(219.13)
2514.85
(4620.48)
19598
(9105)
250.57
(98.36)
11934.15
(8269.77)
15391
(31744)
Standard
mZH$
0.00
(0.0)
0.00
(0.0)
0
(0)
-0.10
(0.0)
-9.24
(-3.28)
-3
(-2)
11.52
(0.41)
268.85
(17.49)
603
(571)
9.10
(56.77)
437.63
(776.63)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
11.56
(0.12)
137.58
(2.38)
118
(259)
4.25
(0.08)
179.17
(80.24)
275
(16)
Doubtful
Loss
2
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
160.70
(0.0)
d{H$ /Global
g{XY
hm{Z
884
(601)
Substandard
AdmZH$
A`
Others
14.92
(19.30)
5147.07
(942.55)
6255
(25411)
0.00
(0.0)
1346.57
(0.0)
-4
(0)
126.48
(219.66)
2921.28
(4640.35)
20319
(9935)
263.92
(155.21)
12711.65
(9126.64)
16552
(32361)
Total
Hw$b
156.60
(56.10)
6289.77
(1292.52)
6276
(25416)
12.97
(0.0)
1494.50
(3.28)
1
(2)
346.94
(504.08)
5074.21
(8551.03)
19699
(9202)
698.41
(356.09)
17272.03
(10854.02)
15518
(31787)
Standard
mZH$
0.00
(0.0)
0.00
(0.0)
0
(0)
-12.97
(0.0)
-147.93
(-3.28)
-5
(-2)
74.16
(43.77)
853.83
(369.19)
617
(580)
57.80
(56.77)
1523.07
(776.63)
895
(601)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
15.24
(0.12)
173.38
(3.73)
120
(260)
14.21
(18.87)
219.68
(124.37)
278
(18)
Doubtful
d{H$ /Global
g{XY
Substandard
AdmZH$
Hw$b
Total
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.00)
0.00
(0.0)
0
(0)
0.00
(0.0)
160.70
(0.0)
2
(0)
hm{Z
Loss
156.60
(56.10)
6289.77
(1292.52)
6276
(25416)
0.00
(0.0)
1346.57
(0.0)
-4
(0)
436.34
(547.97)
6101.42
(8923.95)
20436
(10042)
770.42
(431.73)
19175.48
(11755.02)
16693
(32406)
Hw$b
Total
/ BANK OF INDIA
/ Annual Report 2013-14
No
Sr.
H$.
g.
118
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
Restructured Accounts
as on March 31 of the
FY
(closing figures*)
Write-offs of restructured
accounts during the FY
Provision
thereon
Cg na
mdYmZ
Amount
Outstanding
~H$mm am{e
Downgradations of
restructured accounts
during the FY
Details
Type of Restructuring
1377.97
(1073.73)
108.84
(48.70)
4810.86
(4951.96)
424.23
(446.67)
16
(7)
27.21
(0.0)
48.41
(0.0)
42
(56)
245.75
(0.0)
640.60
(0.0)
3
(0)
51.17
(5.34)
-51.17
(-5.34)
9
(0)
1015.59
(733.74)
11
(2)
Substandard
1.96
(9.96)
632.08
(39.16)
1
(2)
9.96
(0.0)
39.16
(0.0)
2
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
Doubtful
d{H$ /Global
AdmZH$
g{XY
-1015.59
(-733.74)
-11
(-2)
Standard
mZH$
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
Loss
hm{Z
0
(0)
59
(65)
85.58
(0.0)
925.51
(0.0)
14
(0)
0.00
(0.0)
0.00
(0.0)
Total
Hw$b
535.03
(505.33)
6820.91
(6064.85)
16.16
(1.17)
816.16
(385.92)
127
(71)
0.00
(0.0)
61.59
(0.0)
7
(0)
-0.04
(0.0)
-74.17
(0.0)
-16
(0)
Standard
mZH$
6.61
(0.0)
191.11
(11.71)
22
(4)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.04
(0.0)
68.97
(0.0)
14
(0)
Substandard
3.68
(0.0)
51.96
(1.35)
8
(1)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
3.51
(0.0)
1
(0)
Doubtful
d{H$ /Global
AdmZH$
g{XY
0.00
(0.0)
1.72
(0.0)
1
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
0.00
(0.0)
1.69
(0.0)
1
(0)
Loss
hm{Z
26.45
(1.17)
1060.95
(398.98)
158
(76)
0.00
(0.0)
61.59
(0.0)
7
(0)
0.00
(0.0)
0.00
(0.0)
0
(0)
Total
Hw$b
436.56
(253.42)
7930.45
(11934.15)
28689
(15391)
12.25
(0.0)
227.17
(0.0)
6
(0)
-13.37
(-18.95)
-460.45
(930.64)
-38
(-50)
Standard
mZH$
25.19
(9.10)
750.97
(437.63)
1226
(884)
7.22
(0.0)
293.85
(0.0)
8
(0)
13.36
(14.75)
459.51
(618.98)
15.60
(4.01)
390.97
(179.17)
396
(275)
0.42
(0.0)
35.62
(0.0)
1
(0)
0.01
(4.20)
0.94
(142.68)
1
(6)
Doubtful
Loss
0
(2)
0.00
(0.0)
190.69
(160.70)
1
(2)
0.00
(0.0)
1.40
(0.0)
1
(0)
0.00
(0.0)
0.00
(168.98)
d{H$ /Global
g{XY
hm{Z
37
(42)
Substandard
AdmZH$
Others
A`
0
(0)
477.35
(266.53)
9263.08
(12711.66)
30312
(16552)
19.89
(0.0)
558.04
(0.0)
16
(0)
0.00
(0.0)
0.00
(0.0)
Total
Hw$b
876.95
(701.26)
13557.47
(17272.03)
28858
(15518)
60.66
(0.0)
929.36
(0.0)
22
(0)
-64.58
(-24.29)
-1550.21
(-1664.38)
-65
(-52)
Standard
mZH$
140.64
(57.80)
2320.05
(1523.07)
1264
(895)
34.43
(0.0)
539.60
(0.0)
11
(0)
64.57
(20.29)
1544.07
(1352.72)
62
(44)
21.24
(13.97)
1075.01
(219.68)
405
(278)
10.38
(0.0)
74.78
(0.0)
3
(0)
0.01
(4.20)
4.45
(142.68)
2
(6)
Doubtful
d{H$ /Global
g{XY
Substandard
AdmZH$
Hw$b
Total
0.00
(0.00)
192.41
(160.70)
2
(2)
0.00
(0.0)
1.40
(0.0)
1
(0)
0.00
(0.0)
1.69
(168.98)
1
(2)
hm{Z
Loss
0
(0)
1038.83
(773.03)
17144.94
(19175.49)
30529
(16693)
105.47
(0.0)
1545.14
(0.0)
37
(0)
0.00
(0.0)
0.00
(0.0)
Hw$b
Total
/ BANK OF INDIA
/ Annual Report 2013-14
/ BANK OF INDIA
a)
(` H$amoS> |)
(i)
(ii)
H$)
I)
J)
K)
(iii)
H$)
I)
J)
K)
(iv)
H$)
I)
J)
K)
{ddaU
{Zdb A{Jm| | go {Zdb EZnrE (%)
EZnrE (gH$b) H$m CVma-MT>md
Ama{^H$ eof
df Ho$ XmamZ n[adYZ
df Ho$ XmamZ H$r
A{V eof
{Zdb EZnrE H$m CVma-MT>md
Ama{^H$ eof
df Ho$ XmamZ n[adYZ
df Ho$ XmamZ H$r
A{V eof
EZnrE Ho$ {bE mdYmZm| H$m CVma-MT>md (mZH$ AmpV`m| na
mdYmZ H$mo N>moS>H$a)
Ama{^H$ eof
df Ho$ XmamZ {H$E J`o mdYmZ
~>o ImVo |/A{V[a$ mdYmZ H$mo amBQ> ~H$
A{V eof
2013-14 2012-13
2.00%
2.06%
8,765.25
8,810.91
5,707.56
11,868.60
5,893.97
7,379.56
4,508.28
8,765.25
5,947.31
3,040.02
1,570.11
7,417.22
3,656.42
2,960.27
669.38
5,947.31
1,958.88
4,522.15
2,916.72
3,564.31
1,472.78
2,876.69
2,390.59
1,958.88
H$)
I)
J)
K)
(iii)
H$)
I)
J)
K)
(iv)
H$)
I)
J)
K)
{ddaU
{Zdb {Zdoe na {Zdb EZnrAmB (%)
EZnrAmB (gH$b) H$m dmh
Ama{^H$ eof
df Ho$ XmamZ n[adYZ
df Ho$ XmamZ H$r
A{V eof
{Zdb EZnrAmB H$m CVma-MT>md
Ama{^H$ eof
df Ho$ XmamZ n[adYZ
df Ho$ XmamZ H$r
A{V eof
EZnrAmB Ho$ {bE mdYmZm| H$m CVma-MT>md
Ama{^H$ eof
df Ho$ XmamZ {H$E J`o mdYmZ
~>o ImVo |/A{V[a$ mdYmZ H$mo amBQ> ~H$
A{V eof
2013-14
0.23%
2012-13
0.09%
544.27
365.73
99.80
810.21
576.90
198.51
231.14
544.27
85.33
182.50
5.55
262.28
186.04
(69.79)
30.92
85.33
458.95
183.23
94.25
547.93
390.86
268.30
200.21
458.95
Opening balance
b)
c)
d)
Closing balance
Opening balance
b)
c)
d)
Closing balance
Opening balance
b)
c)
d)
Closing balance
119
/ BANK OF INDIA
(v)
(` H$amoS> |)
Particulars
2013-14
2012-13
Number of accounts
217,061
2,331.52
8.25
Aggregate consideration
2,628.57
11.47
297.05
3.22
(` H$amoS> |)
Particulars
2013-14
2012-13
ey`/NIL
ey`/NIL
ey`/NIL
ey`/NIL
ey`/NIL
ey`/NIL
ey`/NIL
ey`/NIL
(` H$amoS> |)
{ddaU
1. ~oMo JE ImVm| H$s g`m
2. Hw$b ~H$m`m
3. m Hw$b {V$b
4.5.5 mZH$ AmpV`m| na mdYmZ
Particulars
1. No. of accounts sold
2. Aggregate outstanding
3. Aggregate consideration received
2013-14
2012-13
ey`/NIL ey`/NIL
ey`/NIL ey`/NIL
ey`/NIL ey`/NIL
(` H$amoS> |)
{ddaU
mZH$ AmpV`m| Ho$ {bE mdYmZ (Ama~rAmB Ho$ wVm{~H$)
4.6 H$mamo~ma AZwnmV
Sr.
No.
(i)
(iii)
(iv)
AmpV`m| na {V$b
{V H$Mmar H$mamo~ma (` H$amoS> |) (Omam{e +A{J)
{V H$Mmar bm^ (` H$amoS> |)
(vi)
`Wm
`Wm
As at
31.03.2014
1,984.32
As at
31.03.2013
1,498.63
31.03.2014
31.03.2013
{ddaU
(ii)
(v)
Particulars
Particulars
Interest Income as a percentage to average Working
Funds
Non-interest income as a percentage to average
Working Funds
Operating Profit as a percentage to average Working
Funds
Return on Assets
Business per employee(deposits plus advances)
Profit per employee
120
7.19%
7.53%
0.81%
0.89%
1.60%
1.76%
0.51%
0.65%
19.63
15.82
0.0628
0.0644
/ BANK OF INDIA
Particulars
1 {XZ
Day 1
2 to 7 days
8 to 14
days
Omam{e`m
Deposits
A{J
Advances
{Zdoe
18,488.49
13,082.64
(21,560.37) (11,824.97)
7,116.69
15 go 28 {XZ
VH$
15 to 28
days
29 days
to 3
months
Over 3
months &
Upto 6
months
6 months
&upto
1 year
Hw$b
Total
Over 3
years &
upto 5
years
57,074.20
1,03,251.68
4,76,974.05
(82,695.16)
(3,81,839.59)
8,145.03
3,790.76
(4,267.88)
11,524.08
84,227.56
40,658.84
64,150.65
Over 5
years
(43,059.16)
(6,028.59)
58,032.94
Over 1
year &
upto
3 years
5 df go A{YH$
79,610.55
30,207.12
55,135.84
3 hrZm| go
6 hrZm| go 1 df go A{YH$ 3 dfm] go
A{YH$ Ed 6 A{YH$ Ed 1 Ed 3 3 dfm] A{YH$ Ed 5
hrZm| VH$ df VH$ Over
VH$
dfm] VH$
(27,420.69)
21,030.37
29 {XZ go 3
hrZo VH$
46,488.93
37,348.39
75,803.82
3,70,733.54
32,539.01
(30,808.15)
(51,804.79)
(2,89,367.49)
254.59
38.84
372.23
2,151.76
4,737.65
2,295.76
1,676.28
13,510.39
22,095.68
67,019.26
1,14,152.44
(85.17)
(2,527.14)
(1,065.56)
(2,563.81)
(4,634.14)
(2,548.42)
(734.88)
(9,313.32)
(18,617.70)
(52,523.28)
(94,613.42)
3,021.06
7,155.43
430.84
2,525.77
2,034.56
9,586.29
820.42
7,985.38
3,949.30
10,918.46
48,427.51
Borrowings
(1,590.27)
(391.10)
(435.98)
(1,434.52)
(1,537.36)
(7,593.71)
(1,197.90)
(7,108.02)
(2,262.10)
(11,816.62)
(35,367.58)
{dXoer wm
AmpV`m
3,521.57
7,687.08
2,315.00
8,152.94
29,619.24
18,378.40
16,906.47
21,839.48
8,383.52
11,692.36
1,28,496.06
(3,127.71)
(6,639.52)
(2,658.89)
(8,143.29)
(8,081.42)
(5,574.98)
(10,383.34)
(1,05,417.43)
6,143.80
9,972.94
3,524.75
10,954.33
32,175.04
22,201.03
4,634.23
4,519.25
1,56,702.53
(7,895.85)
(6,640.54)
(9,163.80)
(2,052.39)
(7,375.64)
(1,15,211.72)
Investments
CYma
Foreign
Currency
Assets
{dXoer wm
Xo`VmE
Foreign
Currency
Liabilities
29,993.76
32,583.40
4.8. Exposures
4.8 EgnmoOa
4.8.1 [a`b BQ>oQ> jo hoVw EgnmoOa
H$.
g.
E)
dJ
`j EgnmoOa
i)
Amdmgr` ~YH$
{Og| go mW{H$Vm mo jo Ho$ Jh F$U
ii)
iii)
(am{e ` H$amoS> |)
Sr.
No.
a)
Direct exposure
H$) Amdmgr`
I) `dgm{`H$ [a`b BQ>oQ>
~r) A`j EgnmoOa
ZoeZb hmCqgJ ~H$ (EZEM~r) Ama hmCqgJ $mBZ|g H$nZr (EME$grO)
na {Z{Y AmYm[aV Ed Ja {Z{Y AmYm[aV EgnmoOa
[a`b BQ>oQ> goQ>a hoVw Hw$b EgnmoOa
`Wm
Category
i)
Residential Mortgages
ii)
iii)
b)
Sector
Indirect Exposure
Fund based and non-fund based
exposures
on National Housing Bank (NHB) and
Housing Finance Companies (HFCs)
Total exposure to Real Estate Sector
121
`Wm
As at
31.03.2014
27,321.63
As at
31.03.2013
19,387.39
19,914.79
12,257.32
10,940.66
8,155.95
7,406.84
7,128.96
1.11
1.11
-
9,866.15
7,240.70
9,866.15
7,240.70
37,187.78
26,628.09
/ BANK OF INDIA
Sr.
No
i)
(am{e ` H$amoS> |)
{ddaU
Category
ii)
iii)
iv)
v)
vi)
vii)
viii)
H$.g.
OmopI dJ
2013-14
2012-13
721.58
764.15
23.53
6.50
23.31
4.88
228.59
287.23
2,344.97
1,917.74
483.21
340.63
3,825.19
3,321.13
(am{e ` H$amoS> |)
Risk Category
Sr. No.
`Wm {XZmH$
`Wm {XZmH$
As at 31.03.2014
As at 31.03.2013
EgnmoOa ({Zdb)
1
2
3
4
5
6
7
ZJ`
`yZ
gmYmaU
C
~hV C
{V~{YV
Am$ Ho${S>Q>
Hw$b
Ym[aV mdYmZ
EgnmoOa ({Zdb)
Ym[aV mdYmZ
Exposure (Net)
38,118.03
Provision held
54.45
Exposure (Net)
36,957.88
Provision held
28.44
12,887.37
15.72
12,045.71
7.95
5,285.58
2,011.50
High
285.87
662.01
Very High
570.92
8.95
Restricted
Insignificant
Low
Moderate
Off credit
Total
122
46.01
1.97
57,193.78
70.17
51,688.02
36.39
/ BANK OF INDIA
4.8.4 `Wm 31 mM, 2014 ~H$ mam ~T>mB JB EH$b CYmaH$Vm grm
(Eg~rEb), gmy{hH$ CYmaH$Vm grm (Or~rEb) Ho$ `mao
H$.
g.
Sr.
No.
1.
2.
CYmaH$Vm H$m Zm
H$.
g.
Sr.
No.
1.
2.
(am{e ` H$amoS> |)
EgnmoOa
grm
drH$V
grm
`Wm 31.03.2014
H$mo ~H$m`m
Exposure
Limit
Outstanding as
Ceiling Sanctioned on 31.03.2014
EH$b CYmaH$Vm
EbAmBgr hmCqgJ $m`Zmg {b.
hmam> Q>oQ> nmda OZaoeZ H$nZr (EEgnrOrgr)
gmy{hH$ CYmaH$Vm
Hw$N> Zht
Single Borrower
LIC Housing Finance Ltd.
3,093.43
3,718.00
2,099.08
6,186.86
5,000.00
1,806.93
None
Hw$N> Zht
Hw$N> Zht
Hw$N> Zht
NIL
NIL
NIL
CYmaH$Vm H$m Zm
(am{e ` H$amoS> |)
EgnmoOa
grm
drH$V
grm
`Wm 31.03.2013
H$mo ~H$m`m
Exposure
Limit
Outstanding as
Ceiling Sanctioned on 31.03.2013
EH$b CYmaH$Vm
Amdmg {dH$mg {dm` {ZJ {b{Q>oS> (EMS>rE$gr)
gmy{hH$ CYmaH$Vm
Hw$N> Zht
Single Borrower
Housing Development Finance Corporation
Limited
Group Borrower
2,814.00
None
Hw$N> Zht
ZmoQ>: H$Q>Z ha mh Ho$ AV | ~H$m`m pW{V H$s ~H$ mam {ZJamZr na AmYm[aV h&
`oH$ mh Ho$ AV | g^r CYmaH$Vm gyh na ~H$ H$m EnmoOa {ddoH$nyU
mZXS>m| Ho$ AVJV Wo&
4.8.5 Ja-OmZVr A{J :
{ddaU
AyV {V^y{V`m Ogo A{YH$ma, bmBgog, m{YH$ma Am{X Ho$ ^ma na
~H$m`m A{J H$s Hw$b am{e
Eogr AyV gnm{H$ {V^y{V H$m AZwm{ZV y`
4.9. {d{dY
4.9.1 df Ho$ XmamZ Am`H$a hoVw {H$E mdYmZ H$s am{e
3,017.27
Hw$N> Zht
Hw$N> Zht
NIL
NIL
NIL
Note:Disclosure is based on monitoring by the Bank of outstanding at the
end of each month.Exposure on all Borrower groups were within the
prudential norms at the end of each month.
4.8.5. Unsecured Advances:
(am{e ` H$amoS> |)
Particulars
2013-14
2012-13
2,143.74
2,149.59
1,721.93
1,645.41
4.9. Miscellaneous
4.9.1. Amount of Provisions made for Income-tax during the year
(am{e ` H$amoS> |)
{ddaU
Particulars
{ddaU
^maVr` [aOd ~H$ mam ~qH$J {d{Z` A{Y{Z`, 1949 H$s Ymam
46(4) Ho$ AVJV bJmB JB empV`m (noZQ>r)
3,012.55
Particulars
Penalty imposed under Section 46(4) of The Banking
Regulation Act, 1949
123
2013-14
2012-13
(27.71)
1,099.15
843.49
(840.76)
815.78
258.39
2013-14
2012-13
3.11
0.42
/ BANK OF INDIA
5. boImH$Z mZH$m| Ho$ AZwgma Ano{jV H$Q>Z Ohm ^maVr` [aOd ~H$ Zo
boIo na {Q>nQ>{U`m| Ho$ H$Q>Z Xm| Ho$ {df` na {Xem{ZX}e Omar {H$E
h:
5.1 boImH$Z mZH$ 9 - amOd H$s nhMmZ
AZwgyMr 17: w` boImH$Z Zr{V`m| Ho$ boImH$Z Zr{V g. 2 Ho$ AZwgma Am`
H$s Hw$N> Xm| H$mo dgybr Ho$ nmV drH$ma {H$`m OmVm h& VWm{n C$$Am` H$mo
yV Zht mZm OmVm h&
5.2 boImH$Z mZH$ 15 - H$Mmar bm^
Sr.
No.
(i)
(ii)
(iii)
(iv)
(v)
(vi)
{ddaU
`w$ wI ~rm{H$H$ nydmZwmZ :
Ny>Q> Xa
Am`moOZ AmpV`m| na {V$b Xa
dVmZ doVZ d{
dVmZ mg Xa
bm^ Xm{`d | n[adVZ XemZodmbr Vm{bH$m
Ad{Y Ho$ ma^ | Xo`Vm
`mO bmJV
dVmZ godm bmJV
Xm bm^
Xm{`dm|% na ~rm{H$V (bm^)/hm{Z
df Ho$ AV | Xo`Vm
bmZ EgoQg Ho$ C{MV y` H$s Vm{bH$m
Ad{Y ma^ | bmZ EgoQg H$m C{MV y`
bmZ EgoQg na Ano{jV {V$b
AeXmZ
Xm bm^
bmVZ EgoQg na ~rm{H$H$ bm^/(hm{Z)
df Ho$ AV | bmZ EgoQ> H$m C{MV y`
mZZo `mo` Hw$b ~rm{H$H$ bm^/(hm{Z)
gH$UH$mbrZ Xo`Vm H$s m`Vm :
ma^ | gH$UH$mbrZ Xo`Vm
df Ho$ XmamZ nhMmZr JB gH$UH$mbrZ Xo`Vm
AV | gH$UH$mbrZ Xo`Vm
bmZ EgoQg na dmV{dH$ {V$b :
bmZ EgoQg na Ano{jV {V$b
bmZ EgoQg na ~rm{H$H$ bm^/(hm{Z)
bmZ EgoQg na dmV{dH$ {V$b
VwbZ n | m` am{e :
Ad{Y Ho$ AV | Xo`Vm
df Ho$ AV | bmZ EgoQg H$m C{MV y` AVa
Am` n[adVZ Xo`Vm
VwbZ n | m` am{e
(am{e ` H$amoS> |)
Particulars
2013-2014
2012-2013
Jo`wQ>r
n|eZ
Jo`wQ>r
n|eZ
Gratuity
Pension
Gratuity
Pension
9.32%
9.18%
6.00%
1.00%
9.27%
8.42%
6.00%
1.00%
8.00%
8.00%
5.00%
1.00%
8.00%
8.00%
5.00%
1.00%
1505.38
129.47
705.70
(232.45)
(705.56)
1402.55
7404.65
658.35
804.95
(605.48)
(224.22)
8038.24
1477.64
110.03
64.39
(204.45)
57.77
1505.38
7139.38
552.17
943.80
(474.38)
(756.32)
7404.65
1333.79
6504.83
1017.12
5070.13
122.44
110.00
(232.45)
(17.27)
1316.51
688.29
547.71
743.92
(605.48)
70.22
7261.20
294.44
81.37
405.93
(204.45)
33.82
1333.79
(23.95)
405.61
1385.43
(474.38)
118.04
6504.83
874.36
171.59
85.80
85.79
884.86
442.44
442.42
257.38
85.79
171.59
1327.29
442.43
884.86
122.44
(17.27)
105.17
547.71
70.22
617.93
81.37
33.82
115.19
405.61
118.04
523.65
1402.55
1316.51
(86.04)
85.79
(0.25)
8038.24
7261.19
(777.05)
442.42
(334.63)
1505.38
1333.79
(171.59)
171.59
-
7404.65
6504.83
(899.82)
884.86
(14.96)
124
/ BANK OF INDIA
Sr.
No.
(vii)
{ddaU
Am` {ddaU-n | m` `` :
2013-2014
2012-2013
Jo`wQ>r
n|eZ
Jo`wQ>r
n|eZ
Gratuity
Pension
Gratuity
Pension
705.70
804.95
64.39
943.80
dVmZ godm bmJV
129.47
658.35
110.03
552.17
`mO bmJV
(122.44) (547.71)
(81.37)
(405.61)
bmZ EgoQg na Ano{jV {V$b
1.96
{dJV dfm] Ho$ m`f ``
85.80
442.44
85.79
442.43
gH$UH$mbrZ Xo`Vm-m`
(688.29) (294.44)
23.95
(874.36)
~rm{H$H$ (bm^) `m hm{Z
110.25 1063.59
202.79
660.39
bm^ Ed hm{Z | m` ``
Balance Sheet Reconciliation :
(viii) VwbZ n gmYmZ :
Opening Net Liability (Last periods net
14.96
203.14
740.00
ma{^H$ {Zdb Xo`Vm
110.25 1063.59
202.79
660.39
(VwbZ n | m` H$s JB {dJV Ad{Y H$s {Zdb am{e) amount recognized in the balance sheet)
Expenses as above
(110.00) (743.92) (405.93) (1385.43)
Cn`w$ AZwgma ``
Employers Contribution
0.25
334.63
14.96
{Z`mo$m H$m AeXmZ
Amount
Recognised
in
Balance
Sheet
VwbZ n | m` am{e
Category of Assets :
(ix) AmpV`m| H$m dJ :
Government of India Assets
153.55
568.12
177.04
619.75
^maV gaH$ma H$s AmpV`m
Corporate
Bonds
712.96
4091.60
295.45
4253.32
H$mnm}aoQ> ~mSg
State Government
413.98 2499.07
831.83
1588.37
am` gaH$ma
Other
36.02
102.4
29.47
43.39
A`
Total
1316.51 7261.19 1333.79
6504.83
Hw$b
Experience Adjustment :
(x) AZw^d gm`moOZ :
On Plan Liability (Gain)/Loss
(705.56) (224.22)
57.77
(756.32)
bmZ Xo`Vm na (bm^)/hm{Z
On Plan Asset (Loss)/Gain
(17.27)
70.22
33.82
118.04
bmZ EgoQ> na (hm{Z)/bm^
H$) ~H$ Zo H$Mmar ^{d`` {Z{Y Ho$ {bE AeXmZ H$mo `^` Ho$ n | mZm h& a. The bank has recognised contribution to employees Provident Fund
as an expense. During the year, the bank has contributed ` 38.23
df Ho$ XmamZ ~H$ Zo Eogr {Z{Y Omo EH$ n[a{Z{V AeXmZ `moOZm h, Ho$ {bE
Crores (previous year `24.97 Crores) towards such fund which is a
`38.23 H$amoS> ({dJV df `24.97 H$amoS>) H$m AeXmZ {X`m h&
defined contribution plan.
I) Ama~rAmB n[aa Z. S>r~rAmoS>r.~rnr.~rgr.80/21.04.018/2010-11
b. In
accordance
with
the
RBI
circular
no.
DBOD.
{XZmH$ 9 $adar 2011 Ho$ AZw$n :
BP.BC.80/21.04.018/2010-11dated 9th February 2011:
CZ mOyXm H$Mm[a`m| Ho$ {bE, {Ohm|Zo EoMyEarAb ~o{gg na nhbo
` 442.44 Crores for the Year has been charged to the Profit &
n[aH${bV H$s J`r n|eZ Ho$ {bE {dH$n Zht {X`m Wm, n|eZ {dH$n
Loss Account on proportionate basis towards additional liability
H$mo {$a go ImobZo Ho$ H$maU `2212.15 H$amoS> H$s A{V[a$ Xo`Vm
of `2212.15 Crores (being amortised over 5 years beginning
(31.03.2011 go ew$ H$aHo$ 5 dfm] | gH$m{V H$s OmZodmbr) Ho$
from 31st March, 2011) on account of reopening of pension
option
for existing employees who had not opted for pension
{Z{m gmZwnmV AmYma na df Ho$ XmamZ `442.44 H$amoS> H$s am{e
earlier calculated on actuarial basis.
bm^-hm{Z ImVo | ^m[aV H$s J`r h&
` 85.79 Crores for the Year has been charged to the Profit &
am{e Jo`wQ>r EQ>, 1972 Ho$ ^wJVmZ | Jo`wQ>r grmAm| H$s d{ Ho$
Loss Account on proportionate basis towards additional liability
H$maU (31.03.2011 go ew$ H$aHo$ 5 dfm] | gH$m{V H$s OmZodmbr)
of `428.96 Crores (being amortised over 5 years beginning
`428.96 H$amoS> H$s A{V[a$ Xo`Vm Ho$ {Z{m gmZwnmV AmYma na
from 31st March 2011) on account of the enhancement of
{Vmhr Ho$ XmamZ `85.79 H$amoS> H$s bm^-hm{Z ImVo | ^m[aV H$s J`r
gratuity limits in Payment of Gratuity Act, 1972.
h&
c. Considering the present stage of negotiation in respect of wage
J) H$Mmar gKm| Ho$ gmW doVZ n[aemoYZ Ho$ g~Y | hmo ahr ~mV-MrV Ho$ dVmZ
revision with employees union and emerging trends in the banking
MaU Ama ~qH$J CmoJ | C^aVo Xma H$mo `mZ | aIVo hE ~H$ Zo EMwAar Ho$
industry, the Bank, in consultation with the Actuary, has adjusted
name go, ^{d` | hmoZo dmbo doVZ n[aemoYZ Ho$ {bE gbar EH$boeZ aoQ> |
the Salary Escalation Rate upwards by 20% i.e. from 5% to 6% to
take care of future wage revision. The Bank is periodically assessing
D$dwIr 20% H$m gm`moOZ, AWmV 5% go 6% {H$`m h& ~H$ Amd{YH$
the situation and based thereon, Bank considers that the Salary
AmYma na pW{V H$m AmH$bZ H$a ahr h Ama CgHo$ AmYma na, ~H$ H$m `h
Escalation Rate of 6% is sufficient to cover liability that may arise on
mZZm h {H$ 6% gbar EH$boeZ aoQ>, doVZ n[aemoYZ H$s dOh go hmoZo dmbr
wage revision.
Xo`Vm H$mo H$da H$aZo hoVw n`m h&
The Bank has been advised by the Actuary that the present mortality
K) EMwAar mam ~H$ H$mo `h gy{MV {H$`m J`m h {H$ gmdO{ZH$ jo Ho$ ~H$ d. table
being used by the Actuary to determine retirement benefits
H$Mm[a`m| Ho$ mo$mBb H$mo XoIVo hE ~H$ H$Mm[a`m| Ho$ godm{Zd{m bm^ Ho$
of Banks employees is appropriate considering the profile of
n[aH$bZ hoVw EMwAar mam `w$ dVmZ moaQ>{b{Q> Q>o~b n`m h&
employees of the Public Sector Banks.
125
/ BANK OF INDIA
Business Segment
H$mofmJma n[aMmbZ
11726.47
(am{e ` H$amoS> |)
Treasury Operations
2013-14
amOd
2012-13
9567.96
Wholesale Banking
Operations
Retail Banking
Operations
2013-14
2012-13
2013-14
2012-13
20015.28
15808.70
10118.11
10117.94
(*)A` ~qH$J
n[aMmbZ Hw$b
Hw$b
Total
(*)Other Banking
Operations
2013-14 2012-13
2013-14
2012-13
41859.86
35494.60
410.24
266.71
(68.16)
(86.35)
42201.94
35674.96
3,830.75
3,230.76
Revenue
Ja-Am~{Q>V amOd
Unallocated revenue
Hw$b amOd
Total Revenue
n[aUm
1,628.42
1,120.98
1,270.32
897.31
932.01
1,212.47
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
(285.70)
(223.02)
n[aMmbZ bm^
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3,545.05
3,007.74
Am`H$a
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
815.78
258.39
AgmYmaU bm^/hm{Z
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
{Zdb bm^
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
2,729.27
2,749.35
Results
Ja-Am~{Q>V ``
Unallocated
Expenses
Operating Profit
Income Tax
Extraordinary profit/loss
Net Profit
A` OmZH$mar :
Other Information :
IS> AmpV`m
170,672.91
95,416.11 78,291.64
558,728.54 443,474.13
Segment Assets
JaAm~{Q>V AmpV`m
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
14,461.66
9,128.59
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
Unallocated Assets
Hw$b AmpV`m
Total Assets
IS> Xo`VmE
163,891.74
91,732.99 74,860.17
536,483.62 423,764.33
Segment Liabilities
Ja Am~{Q>V Xo`VmE
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
6,783.49
4,920.23
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
Unallocated Liabilities
Hw$b Xo`VmE
Total Liabilities
(*) The Bank does not have any significant Other Banking Operations.
(*) ~H$ H$m H$moB AWnyU A`n ~qH$J n[aMmbZ Zht h&
^mJ I : ^mJmo{bH$ IS>
^mJmo{bH$ IS>
{ddaU
amOd
AmpV`m
Geographical
Segments
Particulars
Revenue
Assets
(am{e ` H$amoS> |)
dXoer
Domestic
2013-14
AVam>r`
2012-13
Hw$b
International
2013-14
2012-13
Total
2013-14
2012-13
37,846.29
31,877.04
4,355.65
3,797.92
42,201.94
35,674.96
424,993.29
338,278.45
148,196.91
114,324.27
573,190.20
452,602.72
126
/ BANK OF INDIA
~H$ Zo boImH$Z mZH$ 17 Ho$ AZwnmbZ | ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em|
Ho$ AZw$n mW{H$ [anmo{Q>J dmbo IS>m| Ama JmU IS> Ho$ $n | ^mJmo{bH$
IS>m| H$mo m`Vm Xr h&
mW{H$ IS> : H$mamo~mar IS>
H$) H$mofmJma n[aMmbZ : IS> [anmo{Q>J Ho$ Co` hoVw H$mofmJma | gnyU {Zdoe
g{d^mJ Ogo gaH$mar VWm A` {V^y{V`m| Ho$ gmW nyOr ~mOma n[aMmbZ VWm
$maog n[aMmbZ em{b h&
I) WmoH$ ~qH$J : WmoH$ ~qH$J | dh g^r A{J gp{bV h Omo IwXam ~qH$J
Ho$ AVJV gp{bV Zht {H$E JE h&
J) IwXam ~qH$J : IwXam ~qH$J | do EgnmoOa gp{bV h Omo {ZZ{bpIV Xmo
mZXS>m| H$mo nyU H$aVo h| :
i) Eg nmoOa - A{YH$V Hw$b EgnmoOa `5 H$amoS> VH$&
ii) Hw$b dm{fH$ H$mamo~ma `50 H$amoS> go H$ h `Wm dVmZ H$n{Z`m| Ho$
mbo | {nN>bo VrZ dfm] H$m AmgV VWm ZB H$n{Z`m| Ho$ mbo |
AZwm{ZV Hw$b H$mamo~ma&
AVa-IS>r` AVaUm| H$m y` {ZYmaU
IwXam ~qH$J IS> EH$ mW{H$ moV gJh BH$mB h Ed WmoH$ IS> Ama H$mofmJma
IS>, IwXam ~qH$J IS> H$mo CgHo$ mam CYma Xr JB {Z{Y`m| H$s j{Vny{V Omam{e`m|
H$s AmgV bmJV H$mo {>JV aIVo hE H$aVo h&
bmJV H$m {d{Z`moOZ
H$) {deof IS> H$mo grYo XmZ {H$E JE `` g~{YV IS> | Am~{Q>V h&
I) {deof IS> H$mo grYo XmZ {H$E JE ``m| H$mo H$Mm[a`m|/gMm{bV H$mamo~ma
H$s g`m Ho$ AZwnmV | Am~{Q>V h&
JmU IS> : ^mJmo{bH$ IS>
H$) dXoer n[aMmbZ
I) AVam>r` n[aMmbZ
5.4 boImH$Z mZH$ 18 g~{YV njH$ma Ho$ g`dhma :
I) g~{YV njH$mam| H$s gyMr :
(H$) w` ~YH$s` H$m{H$ :
A`j Ed ~Y {ZXoeH : lrVr dr.Ama. A`a
H$m`nmbH$ {ZXoeH$ JU : lr EZ. eofm{ (30.04.2013 VH$)
lr E. Eg. amKdZ (05.07.2013 VH$)
lr ~r.nr. em
lr AU lrdmVd (05.08.2013 go)
lr Ama H$moQ>rdaZ (05.08.2013 go)
(I) AZwf{J`m :
(i) ~rAmoAmB eo`ahmopS>J {b{Q>oS>
(ii) nrQ>r ~H$ Am$ BS>moZo{e`r Q>r~rHo$
(nhbo nrQ>r ~H$ dXoer Ho$ n | OmZm OmVm Wm)
(iii) ~H$ Am$ B{S>`m (VOm{Z`m) {b.
(iv) ~H$ Am$ B{S>`m (`yOtbS>) {b.
(v) ~H$ Am$ B{S>`m (`wJmS>mZ) {b.
(vi) ~H$ Am$ B{S>`m (~modmZm) {b.
(vii) ~rAmoAmB Egm BZdoQ>|Q> ZOg mBdoQ> {b.
(viii) ~rAmoAmB Egm QQ>r g{dgoO mBdoQ> {b.
ii) The total annual turnover is less than `50 Crores i.e. the
average turnover of the last three years in case of existing
entities and projected turnover in case of new entities.
Pricing of Inter-Segmental transfers
Retail Banking Segment is a Primary resource mobilising unit and
Wholesale Segment and Treasury Segment compensates the Retail
banking segment for funds lent by it to them taking into consideration the
average cost of deposits incurred by it.
Allocation of Costs
a) Expenses directly attributed to particular segment are allocated to
the relative segment.
b) Expenses not directly attributable to specific segment are allocated
in proportion to number of employees/business managed.
Secondary Segment: Geographical Segments
a) Domestic Operations
b) International Operations
5.4. Accounting Standard 18 - Related Party Transactions (As
compiled by Management)
I)
(a)
Key Managerial
Personnel :
Chairperson & Managing Smt. V.R.Iyer
Director:
Executive Directors:
Shri N. Seshadri (up to 30.04.2013)
Shri M. S. Raghavan (up to 05.07.2013)
Shri B.P.Sharma
Shri Arun Shrivastava (w.e.f.05.08.2013)
Shri Koteeswaran (w.e.f.05.08.2013)
(b)
Subsidiaries :
(i) BOI Shareholding Limited
(ii) PT Bank of India Indonesia Tbk
(iii) Bank of India (Tanzania) Limited
(iv) Bank of India (New Zealand) Limited
(v) Bank of India (Uganda) Limited
(vi) Bank of India (Botswana) Limited
(vii) BOI AXA Investment Managers Private Limited
(viii) BOI AXA Trustee Services Private Limited
127
/ BANK OF INDIA
X|/ g~{YV nj
Items/Related Party
Associates :
(i) STCI Finance Limited
(ii) ASREC (India) Limited
(iii) Indo-Zambia Bank Limited
(iv) Gramin Bank of Aryavart
(Formerly Known as Aryavart Kshetriya Gramin Bank)
(v) Jharkhand Gramin Bank
(vi) Narmada Jhabua Gramin Bank
(vii) Vidharbha Konkan Gramin Bank
(d)
Joint Venture:
(i) Star Union DaiIchiLife Insurance Co. Ltd.
(am{e ` H$amoS> |)
Associates/Joint
Ventures
Sr.
No.
(c)
Om
Hw$b
Total
Personnel
Relatives of Key
Management
Personnel
2013-14 2012-13 2013-14 2012-13 2013-14 2012-13 2013-14 2012-13
38.83
55.06
0.27
0.05
0.18
0.05
39.28
55.15
Deposits
39.33
55.06
0.63
0.05
0.18
0.09
40.14
55.20
2.00
2.00
61.00
61.00
{Zdoe
0.14
29.57
0.14
29.57
28.97
29.57
28.97
29.57
A` CYma XoZm
485.30
74.00
485.30
74.00
493.16
112.50
493.16
112.50
Ja-{Z{YH$ dMZ~VmE
Placement of deposits
Investments
Maximum during the year
4
Other lending
Maximum during the year
6
Non-funded commitments
Maximum during the year
128
/ BANK OF INDIA
H$.
g.
X|/ g~{YV nj
Items/Related Party
Associates/Joint
Ventures
Sr.
No.
Personnel
Relatives of Key
Management
Personnel
2013-14 2012-13 2013-14 2012-13 2013-14 2012-13 2013-14 2012-13
-
Hw$b
Total
10
10.84
10.84
3.18
4.07
0.01
0.01
3.20
4.07
6.75
2.62
6.75
2.62
0.07
0.16
0.07
0.16
1.28
9.11
1.28
9.11
36.68
31.25
36.68
31.25
19.57
49.65
19.57
49.65
5.17
0.12
5.17
0.12
30.31
30.31
19.45
6.83
19.45
6.83
Xm `mO
11
Interest Paid
m `mO
12
Interest Received
Ja {dmr IM} mV
13
Xm bm^me
14
Dividend Paid
m bm^me
15
Dividend Received
Xm godmE
16
Services rendered
m godmE
17
Services received
~YZ g{dXmE
18
Management contracts
A` m`
19
H$moB A` m`
20
H$moB A` H$mamo~ma
21
Sr. No.
1
2
3
4
5
6
Zm
lrVr dr.Ama. A`a
lr EZ. eofm{
lr E.Eg. amKdZ
lr {~. nr. em
lr AU lrdmVd
lr Ama. H$moQ>rdaZ
nXZm
Name
2013-14
2012-13
21,82,440
6,48,485
Designation
Smt. V. R. Iyer
Shri N. Seshadri
Shri M.S. Raghavan
Shri B. P. Sharma
Shri Arun Shrivastava
Shri R. Koteeswaran
ghm`H$ ~H$m| Ama jor` JmrU ~H$m| Ho$ g`dhma am` {Z`{V hmoZo Ho$ H$maU
EEg-18 Ho$ nam 9 H$s {> | H$Q>Z Zht {H$E JE h Omo{H$ AmBgrEAmB mam
g~{YV nmQ>u H$Q>Z Ho$ {bE Omar {H$E h {Og| BZ nm{Q>`m| Ho$ Xygao njH$mam|
Ho$ gmW, Omo ^r am` {Z`{V h, g`dhmam| H$mo H$Q>Z Z H$aZo H$s Ny>Q> h&
129
1,98,856 19,95,690
4,49,793 15,16,172
19,73,716 10,77,105
10,02,071
9,98,465
/ BANK OF INDIA
(am{e ` H$amoS> |)
{ddaU
Particulars
31.03.2014
31.03.2013
Sr.
No.
Deferred Tax Assets
AmWm{JV H$a AmpV`m
On account of timing difference towards provisions
1,295.93
809.61
mdYmZ Ho$ {Z{m> g` AVa Ho$ H$maU
Others
126.68
79.45
ii) A`
Total
Deferred
Tax
Assets
1,422.61
889.06
Hw$b AmW{JV H$a AmpV`m
Deferred Tax Liabilities
AmW{JV H$a Xo`Vm
On account of Depreciation on fixed assets
44.47
41.22
i) pWa AmpV`m| na y`mg Ho$ H$maU
On account of Depreciation on investment
1,514.78
495.54
ii) {Zdoe na y`mg Ho$ H$maU
On account of interest accrued but not due
765.70
580.61
iii) moX^yV `mO Omo Xo` Zht h Ho$ H$maU
Others
557.37
4.75
iv) A`
Total
Deferred
Tax
Liabilities
2,882.32
1122.12
Hw$b AmW{JV H$a Xo`VmE
Net Deferred Tax Assets / (Liabilities)
(1,459.71)
(233.06)
{Zdb AmW{JV H$a AmpV`m/(Xo`VmE)
Am`H$a A{Y{Z`, 1961 H$s Ymam 36(1)(viii) Ho$ AZw$n H$a-H$Q>mVr H$m The Bank creates Special Reserve through appropriation of profits,
in order to avail tax deduction as per Section 36(1)(viii) of the
bm^ mV H$aZo Ho$ {bE ~H$, bm^ Ho$ {d{Z`moOZ mam {deof Ama{jV {Z{Y
Income-tax Act, 1961. The Reserve Bank of India, vide its circular
H$m gOZ H$aVm h& ^maVr` [aOd ~H$ Zo AnZo n[an {XZmH$ 20 {Xg~a,
dated 20th December 2013, has advised Banks to create a deferred
2013 mam ~H$m| H$mo gy{MV {H$`m h {H$ do EH$ {ddoH$gV Cnm` Ho$ $n
tax liability (DTL) on outstanding amount in Special Reserve, as
| {deof Ama{jV {Z{Y | ~H$m`m am{e go AmW{JV H$a Xo`Vm (S>rQ>rEb)
a matter of prudence. Accordingly, during the Year ended 31st
H$m gOZ H$a|& VXZwgma, gmm` Ama{jV {Z{Y KQ>mVo hE, ~H$ Zo, `Wm 31
March 2014, the Bank has created a DTL of `431.67 Crores on
mM, 2013 H$mo {deof Ama{jV {Z{Y | ~H$m`m am{e na `431.67 H$amoS> Ho$
Special Reserve outstanding as at 31st March, 2013, by reducing
the General Reserves. Further, DTL of ` 118.96 Crores has been
S>rQ>rEb H$m gOZ {H$`m h& BgHo$ A{V[aV df Ho$ XmamZ g{OV Eogr {deof
created for the year on such Special Reserve created during the
Ama{jV {Z{Y na `118.96 H$amoS> Ho$ S>rQ>rEb H$m ^r gOZ {H$`m J`m h&
year. Accordingly, the tax expense for the year is higher by ` 118.96
VXZwgma, df Ho$ {bE H$a `` | `118.96 H$amoS> H$s d{ Ama df Ho$ {bE
Crores with corresponding decrease in net profit for the year.
bm^ | CVZr hr {JamdQ> hB h&
5.6. Accounting Standard 27 Investments in Joint Venture
5.6 boImH$Z mZH$ 27 g`w$ C | {Zdoe
Investments include `120 Crores (Previous year `120 Crores)
{Zdoe | `120 H$amoS> ({nN>bo df `120 H$amoS>) em{b h Omo {ZZ{bpIV
representing Banks interest in the following jointly controlled entity:
g`w$ n go {Z`{V gWm | ~H$ H$m `mO Xem ahm h:
i)
H$.g.
Sr. No.
H$nZr H$m Zm
am{e
Amount
Amdm{g` Xoe
Country of
Residence
hmopS>J %
Holding %
1
48%
Q>ma `y{Z`Z XmB BMr OrdZ ~rm H$nZr {b. Star Union DaiIchi Life Insurance Company Ltd. `120 Crores ^maV / India
5.7 boImH$Z mZH$ 19 n>m {dmnmofU
5.7. Accounting Standard 19 - Lease Financing
(i) The contractual maturities of the Banks investment in lease
(i) n>m {dmnmofU Ama BgHo$ KQ>H$m| | ~H$ Ho$ {Zdoe H$s g{dXmJV n[an$VmE
financing and its components, which are included in advances,
Omo A{Jm| | em{b H$s JB h H$m CoI ZrMo {H$`m J`m h:
are set out below:
H$.g.
Sr. No.
H$)/a)
I)/b)
J)/c)
K)/d)
{ddaU
gH$b {Zdoe
m` n>m ^wJVmZ
(i) 1 df go A{YH$ Zht
(ii) 1 df go A{YH$ {H$Vw 5 df go A{YH$ Zht
(iii) 5 df go A{YH$
Hw$b
AZ{OV {dm Am`
{Zdb {Zdoe [ H$ J ]
Particulars
Gross Investments
Lease payment receivables
(i) not later than 1 year
(ii) later than 1 year but not later than 5 years
(iii) later than 5 years
TOTAL
Unearned finance income
Net investments [ a c ]
130
(am{e ` H$amoS> |)
31.03.2014 31.03.2013
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
/ BANK OF INDIA
(ii)
Sr. No.
1.
{ddaU
Sr. No.
(A)
(B)
(C)
(D)
(ii) Lease income of `Nil (previous year ` Nil) is included under Interest
Earned.
5.8. Accounting Standard 20 - Earnings per Share in `
Particulars
2013-14
Basic & Diluted *
2012-13
44.74
47.79
2013-14
2012-13
{ddaU
Particulars
B{$Q>r eo`mYmaH$m| H$mo XmZ H$aZo `mo` df Ho$ {bE {Zdb bm^ Net Profit for the year attributable to Equity Shareholders 2,729.27 2,749.35
Weighted Average Number of Equity shares (in Crores)
61.00
57.54
B{$Q>r eo`a H$s ^m[aV AmgV g`mH$ (` H$amoS>)
44.74
47.79
Basic
Earnings
per
Share
(A/B)
(`)
yb^yV {V eo`a Am` (E/~r) (`)
10.00
10.00
Nominal
Value
per
Share
(`)
{V eo`a A{H$V y`` (`)
*
Basic
&
Diluted
E.P.S.
are
same
as
there
are
no
dilutive
potential
equity
* AmYma^yV Ed VZwH$V B.nr.Eg. gmZ hr h `m|h{H$ Xr g^m` B{$Q>r eo`a
shares.
Zht h&
5.9. Impairment of Assets (Accounting Standard 28)
5.9 AmpV`m| H$m mg (boImH$Z mZH$ 28)
nyd | nwZy`m{H$V n[aga Ho$ g~Y |, `10.46 H$amoS> H$s mg hm{Z h, {Ogo In respect of premises revalued earlier, there is an impairment loss of
`10.46 Crores, which, in accordance with the aforesaid accounting
C$ boImH$Z mZH$ Ho$ AZw$n BZ AmpV`m| Ho$ {bE CnbY nwZy`mH$Z
standard, has been charged to the revaluation surplus available for
A{Yeof | ^m[aV {H$`m J`m h&
these assets.
5.10 boImH$Z mZH$ 29 : mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$
5.10. Accounting Standard 29: Provisions, Contingent Liabilities
AmpV`m:
and Contingent Assets:
H$. Xo`VmAm| hoVw mdYmZm| | CVma MT>md (A` Ho$ mdYmZm| H$mo
A. Movement of Provisions for contingent liabilities
{ZH$mb H$a)
(am{e ` H$amoS> |)
Particulars
Legal cases/contingencies
2013-14
2012-13
{ddaU
{d{YH$ mbo/AmH$pH$VmE
Opening Balance
26.94
22.05
2013-14
2012-13
Provided during the year
0.01
4.89
ma{^H$ eof
26.94
22.05
Amounts
used
during
the
year
df Ho$ XmamZ mdYmZ
0.01
4.89
Closing
Balance
26.95
26.94
df Ho$ XmamZ Cn`moJ H$s JB am{e Timing of outflow/uncertainties Outflow on
Outflow on
A{V eof
26.95
26.94
settlement /
settlement /
~{hJZ H$m g`/A{Z{VVmE gPmV/o {H$Q>brH$aU gPmVo/{H$pQ>brH$aU
Crystallization
Crystallization
na ~{hJZ
na ~{hJZ
B. Contingent Liabilities
I. AmH$pH$ Xo`VmE
Such liabilities are dependent upon, the outcome of court
`Wm C{pIV Bg H$ma H$s Xo`VmE, `m`mb` Ho$ {ZU`/`WVm
order/arbitration/out of court settlement, disposal of appeals,
H$aZo/ `m`mb` Ho$ ~mha gPmVm, Anrb H$m {ZnQ>mZ, mJr JB am{e,
the amount being called up, terms of contractual obligations,
g{dXmJV Xm{`dm| H$s eV}, {dH$mg VWm g~{YV njm| mam CR>mB JB
devolvement and raising of demand by concerned parties, as
mJ Ogm ^r mbm hmo na H$e: {Z^a H$aVm ho& BZ mbm| | H$moB
the case may be. No reimbursement is expected in such cases.
{Vny{V Ano{jV Zht h&
6. Additional Disclosures
6. A{V[a$ Xo`VmE
6.1. Provisions and Contingencies
6.1 mdYmZ Ama AmH$pH$VmE
bm^ Ama hm{Z ImVo | {XImE JE mdYmZ Ama AmH$pH$VmE H$m ~oH$-An The break-up of Provisions and Contingencies appearing in the
Profit and Loss Account is as under:
{ZZmZwgma h:
{ddaU
{Zdoe Ho$ y`mg na mdYmZ
EZnrE hoVw mdYmZ
mZH$ AmpV`m| hoVw mdYmZ
Am`H$a Ho$ {bE {H$`m J`m mdYmZ (AmW{JV H$a g{hV)
A` mdYmZ Ed AmH$pH$VmE
nwZJ{R>V ImVm| | `mJ hoVw mdYmZ
Xoer` OmopI hoVw mdYmZ
A` mdYmZ
Hw$b
Particulars
Provision for Depreciation on Investment
Provision towards NPA
Provision towards Standard Assets
Provision made towards Income Tax
(including Deferred Tax)
Other Provision & Contingencies
Provision for Sacrifice in Restructured Accounts
Provision for Country Risk
Other Provisions
Total
131
2013-14
72.55
3,970.35
422.67
815.78
2012-13
76.69
3,726.55
291.63
258.39
360.75
33.78
17.75
5,693.63
355.96
(13.61)
13.55
4,709.15
/ BANK OF INDIA
(am{e ` H$amoS> |)
Particulars
2013-14 2012-13
{ddaU
Opening
Balance
in
the
floating
provisions
account
543.92
543.92
bmoqQ>J mo{dOZ ImVo | map^H$ eof mm
The quantum of floating provisions made in the accounting year
boImH$Z df | {H$E JE bmoqQ>J mo{dOZg H$s mm
Amount
of
draw
down
made
during
the
accounting
year
179.49
boIm df Ho$ XmamZ {H$E JE Sm S>mCZ H$s am{e
(purpose of draw down to be given, if any)
(Sm S>mCZ `moOZ, `{X H$moB hmo, {X`m OmE)
Closing Balance in the floating provisions account
364.43
543.92
ApWa mdYmZ ImVo | A{V eof
Pursuant
to
Reserve
Bank
of
India
circular
No.
DBOD
No.
^maVr` [aOd ~H$ Ho$ n[an H$.S>r~rAmoS>r.Z.~rnr.95/21.04.048/2013-14
BP.95/21.04.048/2013-14 dated 7th February 2014, the Bank has
{XZmH$ 7 $adar, 2014 Ho$ ~mX ~H$ Zo `179.49 H$amoS> Ho$ bmoqQ>J mdYmZ
utilised ` 179.49 Crores of floating provision, being 33% of floating
H$m Cn`moJ {H$`m h, Omo `Wm 31 mM 2013 H$mo Ym[aV `543.92 H$amoS> Ho$
provision of ` 543.92Crores held on 31st March 2013 towards
EZnrE hoVw {d{e> mdYmZ H$m 33% h&
specific provisions for NPAs.
6.3 [aOdg go Sm S>mCZ
6.3. Draw Down from Reserves
^maVr` [aOd ~H$ Zo AnZo n[an {XZmH$ 20 {Xg~a, 2013 mam ~H$m| H$mo The Reserve Bank of India, vide its circular dated 20th December
2013, has advised Banks to create a deferred tax liability (DTL) on
gy{MV {H$`m h {H$ do EH$ {ddoH$gV Cnm` Ho$ $n | {deof Ama{jV {Z{Y
outstanding amount in Special Reserve, as a matter of prudence.
| ~H$m`m am{e go AmW{JV H$a Xo`Vm (S>rQ>rEb) H$m gOZ H$a|& VXZwgma,
Accordingly, during the Year ended 31st March 2014, the Bank has
gmm` Ama{jV {Z{Y KQ>mVo hE, ~H$ Zo, `Wm 31 mM, 2013 H$mo {deof
made draw down of ` 431.67 Crores from General Reserve towards
Ama{jV {Z{Y | ~H$m`m am{e na `431.67 H$amoS> H$m Sm S>mCZ {H$`m h&
creation of DTL on Special Reserve outstanding as at 31st March,
2013.
6.4 {eH$m`Vm| H$m H$Q>Z
6.4. Disclosure of complaints
i) JmhH$m| H$s {eH$m`V|:
i)
(
(
(
(
{ddaU
H$ ) df Ho$ ma^ | b{~V {eH$m`Vm| H$s g`m
I ) df Ho$ XmamZ mm {eH$m`Vm| H$s g`m
J ) df Ho$ XmamZ {ZnQ>mB JB {eH$m`Vm| H$s g`m
K ) df Ho$ AV | b{~V {eH$m`Vm| H$s g`m
ii)
~qH$J bmoH$nmb mam nm[aV A{Y{ZU` :
H$.
{ddaU
g.
(H$) df Ho$ ma^ | bmJy Zht {H$E JE A{Y{ZU`m| H$s g`m
(I) df Ho$ XmamZ ~qH$J bmoH$nmb mam nm[aV A{Y{ZU`m| H$s g`m
(J) df Ho$ XmamZ bmJy {H$E JE A{Y{ZU`m| H$s g`m
(K) df Ho$ AV | bmJy Zht {H$E JE A{Y{ZU`m| H$s g`m
Customer Complaints :
Particulars
2013-14
2012-13
12
19
3,565
2,255
3,513
2,262
64
12
2013-14 2012-13
23
21
11
6.5 ~H$ mam Omar MwH$mVr AmmgZ nm| (EbAmogrO) na H$Q>Z (~YZ
mam `Wm go{H$V)
Mmby df Ho$ XmamZ ~H$ Zo H$moB MwH$mVr AmmagZ n Omar Zht {H$E h& df
2011-2012 Ho$ XmamZ, ~H$ Zo AnZo nyUV`m dm{d H$s ghm`H$ gWm
~H$ Am$ B{S>`m (~rQ>rS>`y) {b. Ho$ {bE JdZa, ~H$ Am$ ~modmZm H$mo
dMZn Omar {H$`m h {H$ {dmr` dm`Xm Xo` hmoZo na nyam {H$`m OmEJm&
df 2010-11 Ho$ XmamZ, AnZo nyUV`m dm{d H$s ghm`H$ gWm ~rAmoAmB
(`yOrbS>) {b. Ho$ {bE `yOrbS> Ho$ am`b ~H$ Ho$ nj | ~H$ Zo {dmr` `Xm
`{X Xo` hmoZo na nyam H$aZo Ho$ {bE A{^^mdH$s` JmaQ>r Omar {H$`m h&
VWm{n `Wm 31.03.2014 | Cn`w$ dm`Xm| | H$moB {dmr` Xm{`d Zht h&
6.6 mdYmZrH$aU H$daoO AZwnmV (nrgrAma)
`Wm 31 mM 2013 H$mo ~H$ Ho$ gH$b AZOH$ AmpV`m| na mdYmZrH$aU
58.68% h ({nN>bo df: 60.92%)
During current year, the bank has not issued any letter of comforts.
During the year 2011-12 the bank has issued and undertaking to the
governor, Bank of Botswana in respect of its wholly owned subsidiary,
Bank of India (BTW) Ltd., to meet its financial commitments if they
fall due.
132
/ BANK OF INDIA
Particulars
2013-14
2012-13
{ddaU
~rg g~go ~S>o OmH$VmAm| H$m Hw$b Om am{e`m
~H$ H$s Hw$b Omam{e`m | go ~rg ~S>o OmH$VmAm| H$s Omam{e`m|
H$m {VeV
6.8.2 A{Jm| H$m gH|$Z
{ddaU
~rg g~go ~S>o CYmaH$VmAm| H$m Hw$b A{J
~H$ Ho$ H$m Hw$b A{Jm| | go ~rg g~go ~S>o CYmaH$VmAm| Ho$ A{Jm|
H$m {VeV
6.8.3 EgnmoOa H$m gH|$U
2013-14
2012-13
Particulars
43,943
24,214
9.21%
6.34%
(am{e ` H$amoS> |)
2013-14
2012-13
Particulars
54,155
43,591
8.42%
7.85%
(am{e ` H$amoS> |)
{ddaU
~rg g~go ~S>o CYmaH$VmAm|/JmhH$m| H$mo Hw$b EgnmoOa
~H$ Ho$ CYmaH$VmAm|/JmhH$m| H$mo Hw$b EgnmoOa | go ~rg g~go ~S>o
CYmaH$VmAm|/JmhH$m| Ho$ EgnmoOa H$m {VeV
6.8.4 EZnrE gH|$U (~YZ mam `Wm go{H$V)
{ddaU
Mma erf EZnrE ImVm| H$m Hw$b EgnmoOa
6.9 jodma EZnrE (~YZ mam `Wm go{H$V)
H$.
g.
Sr.
No.
1
2
3
4
jo
Particulars
Total Exposure to twenty largest borrowers/customers
2013-14
2012-13
55,503
44,398
(am{e ` H$amoS> |)
Particulars
Total Exposure to top four NPA accounts
2013-14
2012-13
1,311
2,107
Sector
2012-13
1.99%
2.01%
3.80%
3.44%
Services
2.82%
3.25%
Personal Loans
0.81%
1.31%
133
/ BANK OF INDIA
(am{e ` H$amoS> |)
Particulars
2013-14
8,765.25
2012-13
5,893.97
8,810.91
7,379.56
17,576.16
13,273.53
938.10
759.28
3,066.01
1,244.64
Less:
(i) Up gradations
(ii) Recoveries-excluding recoveries made from upgraded
accounts
(iii) Write offs other those under 3 above
1,703.45
2,504.36
~>o ImVo {bImB, C$ 3 Ho$ AVJV N>moS>H$a
Sub-total
(B)
5,707.56
4,508.28
Cn-OmoS> (~r)
Gross NPAs as on 31.03.2014 (Closing Balance) (A-B)
11,868.60
8,765.25
gH$b EZnrE `Wm 31.03.2014 (A{V eof) (E-~r)
6.11.
Movement
of
Technical/Prudential
written-off
accounts
(As
6.11 VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo S>mbo ImVm| H$m yd|Q> (~YZ
compiled by Management)
mam `Wm go{H$V)
Particulars
2013-14 2012-13
{ddaU
Opening
Balance
of
Technical/prudential
written-off
accounts
6,452.48 4,315.02
VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo S>mbo ImVm| | ma{^H$ eof
2,154.34 4,253.70
OmoS|> : df Ho$ XmamZ VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo {bImB Add: Technical/prudential written-offs during the year
Sub-total(A)
8,606.82 8,568.72
Cn-OmoS> (E)
Less:-Recoveries
made
from
previously
technical/prudential
2,525.60 2,116.24
KQ>mE :- nyd | VH$ZrH$s/{ddoH$nyU VarHo$ go ~>o ImVo S>mbo ImVm| |
written-off
accounts
during
the
year(B)
H$s JB dgybr (~r)
Closing Balance (A-B)
6,081.22 6,452.48
A{V eof (E-~r)
6.12.
Overseas
Assets,
NPAs
and
Revenue
6.12 {dXoer AmpV`m, EZnrE VWm amOd
(am{e ` H$amoS> |)
Particulars
2013-14
2012-13
H$.g.
{ddaU
Sr. No.
1
Hw$b AmpV`m
2
Hw$b EZnrE
3
Hw$b amOd
6.13 EgnrdrO nmga Am$ ~bog erQ>
Total Assets
148,177.67
114,324.27
Total NPAs
1,594.38
1,613.21
Total Revenue
4,355.65
3,797.92
/ BANK OF INDIA
The bank has not started dealing with Credit Default swaps up to
end of the financial year 2013-14.
7.
Other Notes
a) Income Tax:
I.
II. Provision for income tax for the year is arrived at after due
consideration of the various judicial decisions on certain
disputed issues.
III. Provision for Income Tax of `368.82 Crore (previous year
`603.89 Crores) has been written back during the year on the
basis of favourable decisions of various appellate authorities.
b) Shifting of securities:
i)
ii) For the year ended 31-03-2014, Bank has shifted portfolio of
venture fund amounting `13.61 Crores (previous year `10.49
Crores) from HTM to AFS and `3.65 Crores (previous year
`0.21 Crores) of loss has arisen due to such transfer.
iii) For the year ended 31.03.2014, Bank has shifted securities
amounting to `5,463.82 Crores (previous year `3,558.91
Crores) from AFS to HTM category and loss arisen upon
such transfer amounting to `7.66 Crores (previous year `0.21
Crores) has been provided for during the year.
c)
SLR Securities
`Wm/As at 31.03.2014
~hr y`
~mOma y`
Particulars
The Bank has not floated any Special purpose Vehicle (SPV) during
the Financial Year 2013-14.
`Wm/As at 31.03.2013
~hr y`
~mOma y`
Book Value
95,388.77
Market Value
91,532.02
Book Value
81,839.02
Market Value
82,089.73
524.42
540.55
135.68
153.97
135
/ BANK OF INDIA
Sr.
No.
1
2
{ddaU
So>{~Q> H$mS> na
[admS> dmBQg
Particulars
ma{^H$ eof
Opening Balance
Reward points
on Debit Card
2048,58,781
(562,27,144)
2397,56,940
(1493,79,007)
Ho${S>Q> H$mS> na
[admS> dmBQ>g
Hw$b
Total
Reward points
on Credit Card
256,50,520
2305,09,301
(247,28,759) (809,55,903)
260,29,229
2657,86,169
(230,71,047) (1724,50,054)
257,45,769
220,09,411
477,55,180
(7,47,370)
(221,49,286) (228,96,656)
Closing Balance as on 31.03.2014
4188,69,952
296,70,338
4485,40,290
4 `Wm 31.03.2014 H$mo A{V eof
(2048,58,781)
(256,50,520) (2305,09,301)
E$) m|{H$ doVZ H$m gemoYZ Omo {H$ Zd~a 2012 go b{~V h, ~H$ Zo f) Pending settlement of the proposed wage revision effective from
November 2012, an ad-hoc provision of ` 269.51 Crores for the
` 269.51 H$amoS> ({nN>bo df ` 70 H$amoS>) H$m mdYmZ {H$m h& Bg H$ma
year (Previous year ` 70 Crores) has been made. The aggregate
Hw$b mdYmZ ` 339.51 H$amoS> ({nN>bo df ` 70 H$amoS>) hmo Jm h)
provision held as on 31st March, 2014 is ` 339.51 Crores (Previous
8. Ohm H$ht Amd`H$ gPm J`m h {dJV df Ho$ AmH$S>m| H$mo nwZ:gy{hV/
year ` 70 Crores).
3
8.
136
/ BANK OF INDIA
b.
c.
Also incorporated in the Balance Sheet and the Profit and Loss
Account are the returns from 2691domestic brancheswhich have
not been subjected to audit. These unaudited branches account for
4.79% of advances, 14.59% of deposits, 4.16% of interest income
and 14.31% of interest expenses.
Auditors Responsibility
3.
4.
137
/ BANK OF INDIA
{bE& {H$gr boIm narjm | ~YZ mam `w$ boImH$Z Zr{V`m| H$s Cn`w$Vm
Ama boImH$Z AZwmZm| H$s VH$ gJ{V VWm {dmr` {dda{U`m| H$s gJ Vw{V
H$m y`mH$Z ^r em{b h&
5. hmam {dmg h {H$ hmao mam m {H$E JE boIm narjm gm`mo n`m h Ama
hmar am` Ho$ {bE C{MV AmYma XmZ H$aVr h &
5.
A{^V
Opinion
6.
b.
c.
the Cash Flow Statement gives a true and fair view of the cash
flows for the year ended on that date.
Emphasis of Matter
7.
b.
c.
~r) {dmr` {ddaU H$s AZwgyMr 18 H$s {Q>nUr H$. 5.2 |, BpQ>Q>yQ> Am$
MmQ>S> EH$mCQ>oQg Am$ B{S>`m mam AnZo n[an H$. S>rnr~rS>r.~rnr.
~rgr/80/21.4.018/2010-11 {XZmH$ 9 $adar, 2011 Ho$ m`
go gmdO{ZH$ jo Ho$ ~H$m| Ho$ {bE noeZ {dH$n {$a go ImobZo hoVw
boImH$Z mZH$ 15 (n[aemo{YV) H$Mmar bm^ Ho$ mdYmZ bmJy H$aZo
go gmdO{ZH$ jo Ho$ ~H$mo H$mo Ama~rAmB mam Xm Ny>Q> Ho$ AmYma na
`Wm 31 mM, 2014 n|eZ Ama CnXmZ hoVw H$e: ` 442.43 H$amoS> Ama
` 85.79 H$amoS> H$s ~H$ H$s Xo`Vm Ho$ AmWJZ H$m dUZ {H$`m J`m h&
gr) {dmr` {ddaU H$s AZwgyMr 18 H$s {Q>nUr Z. 5.5, {Og|, Ama~rAmB
n[an H$. S>r~rAmoS>r.Z.~rnr.~rgr.77/21.04.018/2013-14 {XZmH$
20 {Xg~a, 2013 Ho$ AmYma na 31 mM, 2013 VH$ Am`H$a A{Y{Z`,
1961 H$s Ymam 36 (1) (viii) Ho$ AVJV {deof Ama{jV {Z{Y Ho$ gOZ
na AmWm{JV H$a Xo`Vm H$s boImH$Z {H$`m H$m dUZ {H$`m J`m h&
BZ mbm| na hmar am` eV-w$ Zht h&
138
/ BANK OF INDIA
A` {d{YH$ Ed {d{Z`mH$ AnojmAm| na [anmoQ> :8. VwbZn Ama bm^-hm{Z ImVm, H$e: ~qH$J {d{Z`Z A{Y{Z`, 1949 H$s
Vrgar AZwgyMr Ho$ $m E Ed ~r | V`ma {H$E JE h&
9. C$ nam 1 go 5 | C{pIV boImnarjm grmAm| Ama ~H$H$mar H$nZr (CnH$m|
H$m AOZ Ed AVaU) A{Y{Z`, 1970 Ed CgHo$ mam Ano{jV H$Q>Z
grmAm| Ho$ A`YrZ, h [anmoQ> H$aVo h {H$ :
E) hZo CZ g^r gyMZmAm| Ed nrH$aUm| H$mo m {H$`m h Omo hmar nyar
OmZH$mar Ama {dmg Ho$ AZwgma hmar boImnarjm Ho$ `moOZ Ho$ {bE
AmdH$ Wo Ama Ch| gVmofOZH$ nm`m h&
~r) ~H$ Ho$ boZ-XoZ Omo hmar OmZH$mar | AmE h do ~H$ Ho$ A{YH$ma jo
Ho$ ^rVa h Ama
gr) ~H$ Ho$ H$m`mb`m| Ed emImAm| go m {dda{U`m hmar boImnarjm Ho$
`moOZ Ho$ {bE n`m nm`r J`r h&
10. hmar am` |, VwbZ n, bm^-hm{Z ImVm Ed ZH$Xr dmh {ddaU, bmJy
boImH$Z mZH$m| H$m AZwnmbZ H$aVo h&
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.
9.
b.
c.
The returns received from the offices and branches of the Bank
have been found adequate for the purposes of our audit.
10. In our opinion, the Balance Sheet, Profit and Loss Account and Cash
Flow Statement comply with the applicable Accounting Standards.
139
/ BANK OF INDIA
140
/ BANK OF INDIA
BANK OF INDIA
Consolidated financial statements
As at 31st March, 2014
141
/ BANK OF INDIA
AZwgyMr
Schedule
nyOr Ed XoVmE
nyOr
Ama{j{V Ed A{Yeof
AngH$ {hV
Omam{em
CYma
A XoVmE Ed mdYmZ
OmoS>
II. AmpVm
^maVr [aOd ~H$ | ZH$X Ed eof
~H$m| | eof Ed mJ na Ama
An gyMZm na YZam{e
{Zdoe
A{J
AMb AmpVm
A AmpVm
OmoS>
AmH$pH$ XoVmE
dgybr Ho$ {bE {~b
D$na ~VmB JB AZwgy{Mm VwbZ-n H$m A{^ AJ h&
I.
31-03-2013
`
6,430,021
5,966,414
301,307,229
238,743,727
Minorities Interest
840,048
734,292
Deposits
2A
3
4,786,950,772
3,831,309,940
Borrowings
484,275,103
353,694,024
TOTAL
201,742,863
133,619,631
5,781,546,036
4,564,068,028
ASSETS
Cash and balances with Reserve Bank of India
192,878,574
221,251,226
424,724,477
332,520,031
Investments
1,164,897,433
963,877,594
Advances
3,726,714,604
2,906,546,150
Fixed Assets
10
58,201,870
29,006,393
Other Assets
11
TOTAL
Contingent Liabilities
12
214,129,078
110,866,634
5,781,546,036
4,564,068,028
2,528,264,448
2,217,888,499
218,627,170
242,533,903
The schedules referred to above form an integral part of the Balance Sheet.
~qH$J {d{ZZ A{Y{Z, 1949 H$s Vrgar AZwgyMr Ho$ $m E Ho$ AZwgma VwbZ-n Vma {H$m Jm h&
The Balance Sheet has been prepared in conformity with Form `A' of the Third Schedule to the Banking Regulation Act, 1949.
{~. nr. em
AU lrdmVd
Ama. H$moQ>rdaZ
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
142
/ BANK OF INDIA
Year ended
31-03-2014
Year ended
31-03-2013
H$mo gmV df
H$mo gmV df
13
14
381,251,869
43,189,985
424,441,854
320,958,265
37,845,996
358,804,261
15
16
18(10b)
271,697,745
68,245,725
57,171,890
397,115,360
229,604,055
54,558,821
47,229,508
331,392,384
16 A
2,554,830
29,881,324
769,167
28,181,044
13,502
29,867,822
-17,935
28,198,979
29,867,822
28,198,979
7,000,000
15,557,947
51,063
3,755,345
3,467
3,500,000
6,873,367
11,039,322
317,318
(3,654)
6,970,893
1,733
3,000,000
29,867,822
28,198,979
48.96
49.01
AZwgyMr
Schedule
I.
II.
Am
A{OV Am
A Am
OmoS>
{H$m Jm mO
n[aMmbJV
mdYmZ Ed AmH$pH$VmE
OmoS>
ghmo{Jm| | AOZ/(hm{Z) H$m {hgm
AngH$mo Ho$ {hV H$s H$Q>mVr Ho$ nyd df Ho$ {bE go{H$V
{Zdb bm^/(hm{Z)
KQ>mE AngH$m| H$m {hV
df Ho$ {bE gyh Ho$ g~{YV go{H$V {Zdb bm^/(hm{Z)
OmoS>| gyh Ho$ {bE AmJo bmm Jm go{H$V bm^/(hm{Z)
OmoS>
{d{ZmoJ
H$mZyZr Ama{j{Vm| H$mo AVaU
amOd Ama{j{V H$mo AVaU
nyOr Ama{j{V H$mo AVaU
{deof Ama{j{V (go)/H$mo AVaU-H$a|gr dn
AmV[a bm^me (bm^me H$a g{hV)
A{V bm^me (bm^me H$a g{hV)
bm^me H$a - AZwf{Jm| Ho$ {bE
AmH$a A{Y{Z. 1961 H$s Ymam 36(1) Ho$ AVJV {deof
Ama{j{V
go{H$V VybZ-n | AmJo bmm Jm eof
OmoS>
hdnyU boIm {Z{Vm
boIm| na {Q>n{Um
{V eoa AOZ
D$na ~VmB JB AZwgy{Mm VybZ-n H$m A{^ AJ h&
III
INCOME
Interest earned
Other income
TOTAL
EXPENDITURE
Interest expended
Operating expenses
Provisions and Contingencies
TOTAL
Share of earnings/(loss) in Associates
Consolidated Net Profit/(Loss) for the year before
deducting Minorities' interest
Less: Minorities' Interest
Consolidated Net Profit/(Loss) for the year
attributable to the group
Add: Brought forward consolidated profit/(loss)
attributable to the group
TOTAL
APPROPRIATIONS
Transfer to Statutory Reserve
Transfer to Revenue Reserve
Transfer to Capital Reserve
Transfer (from) / to Special Reserve - Currency Swap
Interim Dividend ( including dividend tax )
Final Dividend ( including dividend tax )
Dividend Tax - for Subsidiary
Special Reserve u/s Sec 36(1) (viii) of Income Tax
Act, 1961
Balance carried over to consolidated Balance sheet
TOTAL
Significant accounting policies
Notes forming part of accounts
Earnings Per Share (`)
17
18
The schedules referred to above form an integral part of the Profit and Loss Account
~qH$J {d{ZZ A{Y{Z, 1949 H$s Vrgar AZwgyMr Ho$ $m ~r Ho$ AZwgma h bm^-hm{Z ImVm Vma {H$m Jm h&
The Profit and Loss Account has been prepared in conformity with Form `B' of the Third Schedule to the Banking Regulation Act, 1949.
{~. nr. em
AU lrdmVd
Ama. H$moQ>rdaZ
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
143
/ BANK OF INDIA
Statement
of Consolidated Cash Flow for the year ended 31st March, 2014
{ddaU
Particulars
Year ended
31.03.2014
Year ended
31.03.2013
38,212,675
30,956,877
2,770,396
2,339,004
48,101,509
9,203,054
2,375,900
1,890,682
43,704,677
7,867,476
(448,838)
(311,114)
955,640,831
113,197,425
53,926,376
(201,030,834)
(859,911,018)
(94,787,359)
(2,696,981)
64,516,240
637,184,668
31,377,051
(10,551,054)
(84,822,723)
(446,432,316)
10,661,063
(17,581,896)
206,319,292
(6,346,844)
412,843
448,838
(2,759,400)
105,756
(8,138,807)
(3,884,385)
449,996
311,114
(862,039)
105,293
(3,880,021)
463,607
9,536,393
17,383,654
(10,726,238)
(9,203,055)
7,454,361
63,831,794
553,771,257
617,603,051
221,219
7,868,779
1,127,523
(4,661,415)
(7,867,476)
(3,311,370)
199,127,901
354,643,356
553,771,257
AU lrdmVd
Ama. H$moQ>rdaZ
B.P. Sharma
Arun Shrivastava
R. Koteeswaran
Krishnakumar K. Nair
A`j Ed ~Y {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
w {dmr A{YH$mar
Chairperson and
Managing Director
Executive Director
Executive Director
Executive Director
A.
B.
C.
{ZXoeH$JU DIRECTORS
Eg. Eg. ~m[aH$ S. S. Barik
ZraO ^m{Q>`m Neeraj Bhatia
E. E. naoam A. M. Pereira
nr. E. {gamOwrZ P. M. Sirajuddin
moX ^grZ Pramod Bhasin
Coe Hw$ma IoVmZ Umesh Kumar Khaitan
g {V{W H$s hmar [anmoQ> gb h Items of our report of even date attached
ogg BgmH$ ES> gwaoe
ogg E E {Zgr ES> H$.
ogg Oo. nr. H$nya ES> C~oam M/s. J. P. Kapur & Uberai
gZXr boImH$ma Chartered Accountants
(E$AmaEZ 000593EZ) (FRN 000593N)
XrnH$ oZZ Deepak Menon
^mJrXma Partner
E. H$. 084225 M. No. 084225
144
/ BANK OF INDIA
31-03-2014
`
31-03-2013
`
30,000,000
30,000,000
6,434,401
5,970,794
TOTAL
6,434,401
5,970,794
6,422,630
5,959,023
7,391
7,391
6,430,021
5,966,414
59,568,842
7,000,000
66,568,842
52,695,475
6,873,367
59,568,842
11,821,336
27599034
1,998,552
12,358,898
0
537,562
37,421,818
11,821,336
8,750,600
51,063
8,801,663
8,433,282
317318
8,750,600
199,330
31,519
230,849
0
199330
199330
11,965,741
5,620,156
10,445,629
1,520,112
17,585,897
11,965,741
SCHEDULE - 1 : CAPITAL
AUTHORISED
300,00,00,000 ( Previous year 300,00,00,000) Equity
Shares of `10 each
ISSUED AND SUBSCRIBED
PAID-UP CAPITAL
64,22,63,013 Equity Shares ( Previous year
59,59,02,327) of `10 each fully paid up
Add: Amount of Shares forfeited
TOTAL
I.
OmoS> (E)
~r) A`
i)
ii)
iii)
145
/ BANK OF INDIA
na Wm
iv)
{deof Ama{jVr - wm dn
ma{^H$ eof
OmoS|>/(KQ>mE): df Ho$ XmamZ H$Q>mVr
iii)
i)
ii)
V.
AZwgyMr - 3 : Omam{e`m
E I. mJ Omam{e`m :
i) ~H$m| go
ii) A` go
OmoS> (I)
II. ~MV ~H$ Omam{e`m
III. {`mXr Omam{e`m:
i) ~H$m| go
ii) A` go
OmoS> (III)
Hw$b E (I go III)
~r i) ^maV | emImAm| H$s Omam{e`m
ii) ^maV Ho$ ~mha H$s emImAm| H$s Omam{e`m
OmoS> (~r)
31-03-2013
`
0
-
3,654
(3,654)
0
26,618,409
64,040,227
0
20,915,671
32,737,007
47,129,073
39,260,294
9,536,393
7,868,779
0
56,665,466
0
47,129,073
Opening Balance
86,608,807
75,497,582
15,557,947
11,039,322
(4,334,060)
71,901
Total of (i)
97,832,694
86,608,805
12,700,000
9,700,000
JE h Omitted)
na Wm As at
3,500,000
3,000,000
Total of (ii)
16,200,000
12,700,000
TOTAL (IV)
114,032,694
99,308,805
301,307,229
238,743,727
367,348
330,886
472,700
403,406
840,048
734,292
SCHEDULE - 3 : DEPOSITS
A.
I. Demand Deposits :
i) From Banks
3,888,170
10,613,328
213,744,548
193,863,916
TOTAL (I)
217,632,718
204,477,244
879,713,863
777,113,780
B.
i) From Banks
526,182,396
389,670,875
3,163,421,795
2,460,048,041
TOTAL (III)
3,689,604,191
2,849,718,916
TOTAL A (I to III)
4,786,950,772
3,831,309,940
3,635,588,157
2,940,660,235
146
1,151,362,615
890,649,705
4,786,950,772
3,831,309,940
/ BANK OF INDIA
na Wm
As at
31-03-2014
`
I.
AZwgyMr - 4 : CYma
^maV | CYma:
i)
^maVr` [aOd ~H$
ii) A` ~H$
H$. {Q>`a I nyOr (AmB.nr.S>r.AmB)
I. Ana {Q>`a II nyOr
J. {V^y{Va{hV Ja-n[adVZr` moMZr` ~Yn
iii)
Xo` {~b
AVa H$m`mb` gm`moOZ ({Zdb)
Cnm{OV Am`
AmW{JV H$a Xo`Vm
A`
OmoS>
JE h Omitted)
na Wm As at
31-03-2013
`
SCHEDULE - 4 : BORROWINGS
I. Borrowings in India :
i) Reserve Bank of India
46,865,583
4,110
5,262,000
5,712,000
695,000
695,000
1,153,000
1,113,000
17,676,334
14,900,193
24,786,334
22,420,193
11,538,000
11,088,000
41,625,000
41,625,000
31,847,000
16,887,000
Total ( ii )
iii) Other Institutions and Agencies
69,773,146
62,534,647
Total (iii)
d. Others
154,783,146
132,134,647
Total (I)
226,435,063
154,558,950
5,097,701
4,610,989
14,375,360
13,051,984
238,366,979
181,472,101
Total (II)
257,840,040
199,135,074
Total ( I & II )
484,275,103
353,694,024
11,006,971
12,920,584
18,548,535
15,038,416
15,865,734
3,128,214
156,321,623
102,532,417
201,742,863
133,619,631
20,258,778
17,704,680
172,491,807
127,989
172,619,796
192,878,574
203,452,946
93,600
203,546,546
221,251,226
c. Others
VII. Others
TOTAL
SCHEDULE - 6 : CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I. Cash in hand
(including foreign currency notes & Gold )
II.
Balances with Reserve Bank of India :
i) In Current Account
ii) In Other Accounts
TOTAL (II)
TOTAL ( I & II)
147
/ BANK OF INDIA
na Wm
As at
31-03-2014
`
I.
i)
ii)
iii)
iv)
v)
vi)
II.
i)
ii)
iii)
iv)
III.
IV.
AZwgyMr - 8 : {Zdoe
^maV | {Zdoe:
gaH$mar {V^y{V
A` AZwmo{XV {V^y{V`m
eo`a
{S>~|Ma Ed ~Yn
ghm`H$ H$n{Z`m| | {Zdoe
A
OmoS> ( I )
^maV Ho$ ~mha {Zdoe:
gaH$mar {V^y{V`m (WmZr` m{YH$aUm| g{hV)
{S>~|Ma Ed ~Yn
ghmH$ H$n{Zm| | {Zdoe
A
OmoS> ( I )
OmoS> ( I Ed II )
^maV | {Zdoe:
i) {Zdoe H$m gH$b y
ii) AdyZ hoVw gH${bV mdYmZ
iii) {Zdb {Zdoe
^maV Ho$ ~mha {Zdoe:
i) {Zdoe H$m gH$b y
ii) AdyZ hoVw gH${bV mdYmZ
iii) {Zdb {Zdoe
Hw$b ( III Ed IV )
JE h Omitted)
na Wm As at
31-03-2013
`
in Current Accounts
b)
4,997,247
5,974,136
97,463,608
86,223,965
With Banks
b)
102,460,855
92,198,101
11,439,378
6,510,130
309,778,802
230,212,307
1,045,442
3,599,493
TOTAL ( II )
322,263,622
240,321,930
TOTAL ( I & II )
424,724,477
332,520,031
971,577,541
798,318,924
1,442,743
986,884
iii) Shares
16,489,577
15,905,439
86,494,578
57,861,138
TOTAL ( I )
II. Outside India :
i) In Current Accounts
ii) In Other Deposit Accounts
iii) Money at call and short notice
SCHEDULE - 8 : INVESTMENTS
I. Investments in India :
i) Government Securities
ii) Other approved Securities
9,582,334
6,907,599
vi) Others
v) Investment in Associates
25,871,842
46,643,049
TOTAL ( I )
1,111,458,615
926,623,033
36,936,613
24,377,635
553,181
468,514
iv) Others
15,949,024
12,408,412
TOTAL ( II )
53,438,818
37,254,561
1,164,897,433
963,877,594
1,117,629,018
931,968,355
6,170,403
5,345,322
1,111,458,615
926,623,033
58,254,185
41,734,300
4,815,367
4,479,739
148
53,438,818
37,254,561
1,164,897,433
963,877,594
/ BANK OF INDIA
(000s N>moS>o
na Wm
As at
31-03-2014
`
AZwgyMr - 9 : A{J
E. i) H$sV {~b Ama ~>mH$V {~b
ii) ZH$X CYma, AmodaSmQ> Ama mJ na {VgXo` F$U
iii)
~r.
{`mXr F$U
Hw$b (E)
JE h Omitted)
na Wm As at
31-03-2013
`
SCHEDULE - 9 : ADVANCES
A.
592,489,765
512,121,504
1,632,906,390
1,238,210,757
1,501,318,449
1,156,213,889
3,726,714,604
2,906,546,150
2,514,104,130
1,892,640,920
B. Particulars of Advances :
149
549,217,036
606,559,629
663,393,438
407,345,601
3,726,714,604
2,906,546,150
773,955,592
649,660,787
472,909,900
298,815,767
934,951
1,805,600
1,348,362,550
1,063,405,212
2,596,162,993
2,013,687,366
341,257,630
306,819,176
186,242,008
184,660,244
186,925,377
152,816,449
416,126,596
248,562,915
1,130,551,611
892,858,784
3,726,714,604
2,906,546,150
11,851,868
11,657,995
1,934,944
193,873
7,958
13,778,854
11,851,868
47,212,385
19,613,350
13,188,830
10,669,761
47,802,409
20,795,457
18,477,911
15,542,978
3,922,068
3,357,071
646,982
422,138
21,752,997
18,477,911
12,779,962
11,203,570
8,973,035
7,274,341
1,426,426
936,595
58,201,870
29,006,393
/ BANK OF INDIA
na Wm
As at
31-03-2014
`
AZwgyMr - 11 : A` AmpV`m
I. AVa H$m`mb` gm`moOZ ({Zdb)
II. Cn{MV `mO
III. A{J $n go Xm H$a / moV na H$mQ>o JE H$a ({Zdb)
IV.
V.
VI.
II.
JE h Omitted)
na Wm As at
31-03-2013
`
18,914,782
1,114,569
II Interest Accrued
26,323,005
19,424,708
52,053,463
44,061,478
38,965
61,101
1,322,230
839,129
115,476,633
45,365,649
214,129,078
110,866,634
10,449,068
8,113,001
1,951,442
1,170,424
1,432,582,715
1,426,316,514
III.
IV.
E) ^maV |
a) In India
183,713,523
167,395,925
b) Outside India
230,842,318
128,494,207
V.
306,637,066
271,628,949
VI.
`mO Xa dn
294,505,775
202,187,374
VII.
67,582,540
12,582,105
2,528,264,448
2,217,888,499
272,983,241
232,773,245
84,244,097
72,870,373
20,191,123
12,780,011
3,833,408
2,534,636
381,251,869
320,958,265
OmoS>
AZwgyMr - 13 : A{OV `mO Ed bm^me
I.
II.
III.
IV.
A{Jm|/{~b na `mO/~>m
{Zdoem| na Am`
^maVr` [aOd ~H$ Ama A` AVa ~H$ {Z{Y`m| Ho$ eofm|
na `mO
A`
OmoS>
TOTAL
SCHEDULE - 13 : INTEREST AND DIVIDENDS
EARNED
I. Interest/Discount on advances/bills
IV. Others
TOTAL
150
/ BANK OF INDIA
na Wm
As at
31-03-2014
`
I.
II.
III.
IV
V
VI
I.
II.
III.
AZwgyMr - 14 : A` Am`
H$reZ, {d{Z` Ama Xbmbr
{Zdoem| Ho$ {dH$` na bm^
KQ>mE : {Zdoem| Ho$ {dH$` na ZwH$gmZ
^y{, ^dZm| Ama A` AmpV`m| Ho$ {dH$` na bm^
KQ>mE : AMb AmpV`m| Ho$ {dH$` na ZwH$gmZ
{d{Z` g`dhmam| na bm^ - {Zdb
KQ>mE : {d{Z` g`dhmam| na ZwH$gmZ
ghm`H$ H$n{Z`m|/H$n{Z`m| Ama/AWdm g`w$ Cm| go
bm^me Am{X Ho$ $n | A{OV Am`
I.
II.
III.
A
OmoS>
14,378,087
12,751,216
7,971,327
4,489,740
529
2,236
7,202,048
6,498,743
448,838
311,114
13,189,156
13,792,947
43,189,985
37,845,996
238,635,138
203,132,692
18,391,014
14,890,771
14,671,593
11,580,592
271,697,745
229,604,055
40,365,873
31,791,721
5,497,307
4,455,954
720,752
620,730
31-03-2013
`
{d{dY Am`
OmoS>
AZwgyMr - 16 : n[aMmbZJV ``
I. H$Mm[a`m| H$mo ^wJVmZ Ama CZHo$ {bE mdYmZ
II. {H$am`m, H$a Ed {~Obr
III. wU Ed boIZ gmJr
IV. {dkmnZ Ed Mma
V. ~H$ H$s gn{m na y`mg
(nwZy`Z Ama{j{V`m| na {Zdb y`mg)
VI. {ZXoeH$m| Ho$ ^mo Ama ``
VII. boIm narjH$m| H$s $sg Ama ``
(emIm boIm narjH$m| H$s $sg Ed ``)
VIII. {d{Y ^ma
IX. S>mH$ ``, Vma, Q>o{b$moZ Am{X
X. aV Ed aIaImd
XI. ~rm
XII. A` IM
OmoS>
JE h Omitted)
na Wm As at
I.
Interest on Deposits
II.
871,587
639,211
2,339,004
1,890,682
29,012
31,370
543,319
380,445
278,595
206,379
797,063
519,831
643,686
625,580
3,181,663
2,062,429
12,977,864
11,334,489
68,245,725
54,558,821
2,104,615
477,491
450,215
291,676
2,554,830
769,167
151
/ BANK OF INDIA
AZwgyMr 17:
hdnyU boIm Zr{V`m
1. boImH$Z n{V
gbZ go{H$V {dVr` {ddaU (grE$Eg) M{bV {dMma Ymam H$m nmbZ
H$aVo hE, nanamJV bmJV AmYma na VWm ^maV | gmm`V: AnZmE OmZo
dmbo boIm {gmVm| (OrEEnr) na V`ma {H$E JE h, Omo bmJy gm{d{YH$
Cn~Ym| Ho$ AZwn ^maVr` [aOd ~H$, ~rm {Z`mH$ Ama {dH$mg m{YH$mar
(AmBAmaS>rE), H$nZr A{Y{Z` 1956 mam {ZYm[aV {d{Z`mH$ mZXS>,
^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam Omar boImH$Z mZH$
(EEg) Ama {ZU` Ho$ AZwn h& {dXoer emImAm|/H$m`mb`m| Ho$ g~Y |
g~{YV Xoem| | M{bV gm{d{YH$ Cn~Ym| VWm boImH$Z n{{V`m| H$m
AZwnmbZ {H$`m h, {gdm` CZHo$ {Oh| A` {d{Z{XQ> {H$`m J`m h&
{dVr` {ddaU H$mo V`ma H$aZo | `h Amd`H$ hmoVm h {H$ {dVr` {ddaU H$s
{V{W H$mo [anmoQ> {H$E J`o AmpV VWm Xo`VmAm| (AmH$pH$ Xo`VmAm| g{hV) H$s
am{e Ama [anmo{Q>J Ad{Y Ho$ {bE [anmoQ> {H$E J`o Am` Ama ``m| Ho$ gw{dMm[aV
AZwmZm| VWm YmaUmAm| H$mo ~YZ nyam H$ao& ~YZ `h {ddmg H$aVm h {H$
{dVr` {dda{U`m| H$mo V`ma H$aZo | Cn`moJ {H$E J`o AZwmZ `Wmo{MV VWm
R>rH$ h&
2. goH$Z H$m AmYma
gyh Ho$ go{H$V {dmr` {ddaU {ZZ AmYma na V`ma {H$E JE h:
1. ~H$ Am$ B{S>`m (yb ~H$) Ed CgH$s AZwf{J`m| Ho$ {dVr` {ddaU
^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam Omar {H$E JE
boImJV mZH$ (EEg) 21 go{H$V {dVr` {ddaU Ho$ AZwgma V`ma {H$E
OmVo h& Eogm n{$ Xa n{$ AmYma na {H$`m OmVm h Ama CZHo$ gmW Eogr
X| Ogo AmpV`m, Xo`VmE, Am` Ama `` OmoS> Xr OmVr h Ama AVa
Jwn g`dhmam|, eof am{e {~Zm dgybo J`o bm^/hm{Z H$mo Cg| go {ZH$mb
{X`m OmVm h Ama BgHo$ gmW-gmW Eogo Amd`H$ gm`moOZ ^r {H$E
OmVo h, Omo boImJV Zr{V Ho$ AZwn Ch| ~ZmZo Ho$ {bE Amd`H$ hm|&
{H$Vw Eogm AmodagrO AZwf{J`m|/ghm`H$ H$n{Z`m| Ho$ mbo H$mo N>moS>H$a
h, Ohm {dVr` {ddaU n WmZr` {d{Z`mH$ AnojmAm|/AVamQr`
{dVr` [anmo{Q>J mZH$m| (AmBE$AmaEg) Ho$ AmYma na V`ma {H$E OmVo
h& go{H$V {dVr` {ddaUm| | Eogo gm`moOZm| Ho$ n[aUmm| H$mo em{b ^r
Zht {H$`m Om ahm h, `m|{H$ CZH$m Cg na ~hV Aga nS>Zo H$s g^mdZm
Zht h& AZwf{J`m| Ho$ {dmr` {ddaU Cgr [anmo{Q>J VmarI VH$ V`ma {H$E
JE h Omo yb ~H$ H$s [anmo{Q>J VmarI h AWmV 31 mM, 2014 &
2. AZwf{J`m| | {Zdoe H$s yb bmJV Ama AZwf{J`m| | B{$Q>r Ho$ yb {hgo
Ho$ ~rM Ho$ AVa H$mo gmI/Ama{jV nyOr Ho$ n | m`Vm Xr OmVr h
`{X H$moB gmI h Vmo BgH$s m`Vm mV hmoZo na VwaV ~>o ImVo S>mb Xr
OmVr h&
3. go{H$V {dVr` {ddaU n | Ang`H$ {hV AZwf{J`m| H$s {Zdb
B{$Q>r | Ang`H$ eo`aYmaH$m| Ho$ eo`a Ho$ n | h&
4. ghm`H$ H$n{Z`m| | {Zdoe H$m boImH$Z ^maVr` gZXr boImH$ma gWmZ
(AmBgrEAmB) mam Omar boImH$Z mZH$ (EEg) 23, go{H$V {dVr`
{ddaUnm| | ghm`H$ H$n{Z`m| | {Zdoe H$m boImH$Z Ho$ AZwgma B{$Q>r
VarHo$ Ho$ VhV {H$`m J`m h&
5. g`wV C | {Zdoem| H$m boImH$Z ^maVr` gZXr boImH$ma gWmZ
(AmBgrEAmB) mam Omar boImH$Z mZH$ (EEg) 27, g`wV Cm| |
{hVm| H$s {dmr` [anmo{Q>J | {d{hV {H$E JE AZwgma gmZwnmV AmYma na
go{H$V h&
2) BASIS OF CONSOLIDATION:
2.
152
/ BANK OF INDIA
3. amOd nhMmZ
3.1 ~qH$J H$nZr
(H$) gmm`V: Am`/`` H$m boImH$Z CnM` AmYma na {H$`m OmVm
h O~ VH$ {H$ A`Wm CboI Z {H$`m J`m hmo& {dXoer H$m`mb`m|
Ho$ g~Y | Cg g~{YV Xoe Ho$ WmZr` H$mZyZ Ho$ AZwgma Am`
{ZYm[aV H$s OmEJr&
(I) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {gdm` AZwnmXH$
AmpV`m| na `mO Ho$ {OgH$s dgybr hmoZo na {ZYmaU {H$`m OmVm
h, g` AZwnmV Ho$ AmYma na `mO Am` H$m {ZYmaU {H$`m OmVm h&
(J) ~H$ JmaQ>r Ama gmI n Omar H$aZo na H$reZ H$m CnM` ~rOr/
Ebgr Ho$ H$m`H$mb na hmoVm h&
(K) A` g^r H$reZ Ama {d{Z`, ~moH$aoO, ewH$ VWm A` ^mam|
Ho$ dgybr na Am` Ho$ $n | {ZYmaU {H$`m OmVm h&
(L>) n[andVm VH$ Ym[aV loUr | {Zdoe na Am` (`mO Ho$ Abmdm)
CgHo$ A{H$V y` na mV Ny>Q> na {ZZmZwgma {ZYm[aV H$s OmVr
h :
1. `mO XoZo dmbo {V^y{V`m| na Ho$db {~H$s/arSo>neZ Ho$ g`
hr BgH$m {ZYmaU {H$`m OmVm h&
2. Oramo-Hy$nZ {V^y{V`m| na {ZaVa {V$b Ho$ AmYma na
{V^y{V Ho$ eof n[andVm H$mb na BgH$m boImH$Z {H$`m
OmVm h&
(M) {Zdoem| H$s {~H$s go hE bm^ AWdm hm{Z H$mo bm^ VWm hm{Z ImVo
| m`Vm Xr OmVr h& VWm{n n[andVm VH$ Ym[aV loUr Ho$ VhV
{Zdoem| H$s {~H$s | bm^ H$s pW{V | H$am| Ho$ {Zdb Ama gm{d{YH$
amOd | AVaU Ho$ {bE Amd`H$ am{e Ho$ gmZ am{e H$mo nyOr
amOd ImVo | {d{Z`mo{OV {H$`m OmVm h&
(N>) bm^me mV H$aZo H$m A{YH$ma Wm{nV hmoZo na bm^me H$m
{ZYmaU {H$`m OmVm h&
(O) y`mH$Z AmXoe nmg H$aZo Ho$ df | Am`H$a- [a$S> na `mO H$m
{ZYmaU {H$`m OmVm h&
(P) EZnrE ImVm| go H$s JB dgybr H$m {d{Z`moOZ nhbo CYmaH$Vm Ho$
ImVo | So>{~Q> {H$E JE AmV `mO/Am`, {H$E JE ``/AmCQ>
Am$ nmHo$Q> `` CgHo$ ~mX ~H$m`m ybYZ Ama AV | A^m[aV
`mO | {d{Z`mo{OV H$s OmVr h&
3.2 Ja-~qH$J H$nZr :
~rm :
H$) r{` Am` :
r{` (godm H$a H$m {Zdb) O~ Xo` hmo V~ Am` Ho$ $n |
nhMmZr OmVr h& g~ H$mamo~ma Ho$ {bE ghm`H$ BH$mB`m {Z{V
H$s OmVr h V~ r{` H$s nhMmZ H$s OmVr h& Q>mn-An r{`m|
H$mo EH$b r{` Ho$ $n | OmZm OmVm h&
`nJV nm{b{g`m| H$mo r{` Am` Ho$ $n | nhMmZm OmVm h, O~
Bg H$ma H$s nm{b{g`m nwZ: ma^ hmo OmVr h&
I) g~ {Z{Y`m| go Am` :
g~ {Z{Y`m| go Am` dh h {Og| nm{bgr emg{ZH$ ^ma,
Zr{V emgH$s` ^ma, `w Xa ^ma, {Z{Y ~YZ ^ma Am{X
gp{bV hm| {Ogo Omar Zr{V`m| Ho$ {Z~YZm| VWm eVm] Ho$ AZwgma
dgyb {H$`m OmVm h Ama dgybr hmoZo na CZH$s nhMmZ H$s OmVr h&
J) nwZ~um r{` :
nwZ: ~rmH$Vm Ho$ gmW gJV g{Ynm| Ho$ {Z~YZ Ed eVm] Ho$ AZwgma
r{` Am` H$s nhMmZ Ho$ g` gmmV[aV nwZ~um r{` H$m
boImH$aU hmoVm h&
c) Reinsurance Premium:
153
/ BANK OF INDIA
e) Acquisition Costs
Acquisition costs are costs that vary with and are primarily
related to acquisition of insurance contracts and are
expensed in the period in which they are incurred.
f)
4) ADVANCES :
(a) Advances are classified into Performing and Non-Performing
Advances (NPAs) in accordance with the applicable regulatory
guidelines.
(b) NPAs are further classified into Sub-Standard, Doubtful and
Loss Assets in terms of applicable regulatory guidelines.
(c) In respect of domestic branches, Provisions in respect of NPAs
is made as per policy of the bank particularly in accelerated
provisioning for NPAs which is at the rate given as under:
Category of NPAs
AdmZH$ AmpV
H$) EgnmoOa, Omo Ama^ go Ja OmZVr h
I) A` *
g{XY :
H$) OmZVr {hgm (Cg Ad{Y Ho$ {bE {OgHo$ XmamZ A{J
g{XY loUr | hr ahm)
- EH$ df VH$
- EH$ df go VrZ df VH$
- VrZ df go A{YH$
I) Ja OmZVr {hgmh
hm{Z
* ~H$m`m A{J na
Sub Standard:
a) Exposures, which are unsecured ab initio
25%
b) Others*
15%
Doubtful:
a) Secured portion (Period for which advance has
remained in doubtful category)
- Upto one year
50%
60%
100%
b) Unsecured portion
100%
Loss
100%
154
/ BANK OF INDIA
(K) {dXoer emImAm| Ho$ g~Y |, A{Jm| H$m EZnrE Ho$ $n | dJuH$aU
Ama EZnrE Ho$ g~Y | mdYmZ g~{YV {dXoer Xoe | bmJy {d{Z`mH$
Amd`H$VmAm| AWdm Kaoby emImAm| Ho$ {bE bmJy {Xem{ZX}em| Ho$
AZwgma hmoJr BZ| go Omo ^r H$S>o hmo&
(L>) ^maVr` [aOd ~H$ Ho$ mZH$m| Ho$ AZwgma {Zdb A{J Ho$ n[aH$bZ hoVw
Hw$b A{Jm| | go AZwnmXH$ AmpV`m, AdgybrH$V `mO, BgrOrgr
Xmdm {ZnQ>mZ B`m{X Ho$ g~Y | mdYmZ KQ>mE OmVo h&
(M) nwZ{ZYm[aV/nwZ:ga{MV ImVm| Ho$ g~Y | {dmZ y` pW{V |
AmH${bV `mO nwZga{MV A{J Ho$ y` | mg Ho$ n[a`mJ Ho$ {bE
^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mdYmZ {H$`m OmVm h&
{Zdb A{J Ho$ n[aH$bZ hoVw Bg mdYmZ H$mo KQ>m`m OmVm h&
(N>) AmpV nwZJR>Z H$nZr (EAmagr)/{V^y{VH$aU H$nZr (Eggr) H$mo
{dVr` AmpV`m ~oM XoZo Ho$ mbo | `{X {~H$s H$m y` {Zdb ~hr
y` (EZ~rdr) go A{YH$ h Vmo A{V[aV am{e H$mo aIm OmVm h Ama
Eggr/EAmagr H$mo A` {dVr` AmpV`m| H$s {~H$s | hmoZodmbr H$r/
hm{Z H$s ny{V hoVw Cn`moJ {H$`m OmVm h& `{X {~H$s {Zdb ~hr y`
(EZ~rdr) go ZrMo h (AWmV aIo JE mdYmZ go H$ ~H$m`m) Vmo H$r
H$mo bm^ Ed hm{Z ImVo | Zmo {H$`m OmVm h& `{X A{V[aV am{e
CnbY h Vmo Eogr H$r H$mo Cg| Inm`m OmEJm& 26.02.2014 H$mo
AWdm CgHo$ ~mX EZnrE H$s {~H$s go CnZ {H$gr ^r H$r H$mo `{X
A{V[aV am{e | Inm`m Zht OmVm h Vmo Cgo Xmo df H$s Ad{Y Ho$ {bE
n[aemo{YV {H$`m OmEJm&
EZnrE H$s {~H$s go mV A{V[aV mdYmZ H$mo V^r [adg {H$`m
OmEJm O~ AmpV H$m {Zdb ~hr y` mV ZH$Xr (Ho$db ma{^H$
{V$b mam/AWdm EgAmaEg/nrQ>rgr H$m arSo>neZ) go A{YH$ hmoJm&
A{V[aV mdYmZ H$m [adgb AmpV Ho$ EZ~rdr go A{YH$ mV ZH$Xr
Ho$ Cg hX VH$ gr{V hmoJr&
(O) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma mZH$ AmpV`m| Ho$ $n
| dJuH$V nwZ:ga{MV A{Jm| g{hV mZH$ AmpV`m| H$m mdYmZ {H$`m
OmVm h&
(P) ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {Zdb {Z{YH$ Xoe Ho$
EgnmoOa Ho$ {bE loUr~ Ho$b na mdYmZ {H$`m OmVm h&
5. AWm`r mdYmZ :
~H$ | AWm`r mdYmZ H$m gOZ H$aZo Ama CgH$m Cn`moJ H$aZo H$s Zr{V h&
`oH$ {dVr` df Ho$ AV | g{OV H$s OmZo dmbr AWm`r mdYmZ H$s mm
H$m {ZYmaU {H$`m OmVm h& AWm`r mdYmZ H$m Cn`moJ Zr{V | {ZYm[aV
Ho$db AgmYmaU n[apW{V`m| Ho$ AVJV AmH$pH$VmAm| Ho$ {bE ^maVr`
[aOd ~H$ H$s nyd AZw{V go AWdm {H$gr {Z{XQ> Co` Ho$ {bE ^maVr` [aOd
~H$ mam Xr JB {deof AZw{V go hr {H$`m OmVm h&
6. So>{~Q>/Ho${S>Q> H$mS> [admS> nmBQ> :
Ho${S>Q>/So>{~Q> H$mS>m] na [admS> nmBQ> Ho$ {bE mdYmZ `oH$ loUr | g{MV
~H$m`m nmBQ> Ho$ AmYma na {H$`m OmVm h&
7. {Zdoe :
{Zdoem| H$m dJuH$aU ^maVr` [aOd ~H$ Ho$ {Xem{ZX}em| Ho$ AZwgma n[andVm
VH$ Ym[aV, H$mamo~ma Ho$ {bE Ym[aV Ama {~H$s hoVw Ym[aV lo{U`m| | {H$`m
J`m h& ^maV | {H$E JE {Zdoem| Ho$ H$Q>Z Ho$ Co` go Bh| Ama~rAmB
{Xem{ZX}em| Ho$ AZwgma N>h dJm] Ho$ VhV dJuH$V {H$`m OmVm h Ogo gaH$mar
{V^y{V`m, A` AZwmo{XV {V^y{V`m, eo`a, {S>~|Ma Ama ~mS>, AZwf{J`m|
Ama ghm`H$ H$n{Z`m| Ama A` | {Zdo& ^maV Ho$ ~mha {Zdoem| Ho$ {bE
Ama~rAmB Ho$ {Xem{ZX}em| Ho$ AZwgma Bh| Mma lo{U`m| | dJuH$V {H$`m OmVm
h Ogo gaH$mar {V^y{V`m (WmZr` m{YH$m[a`m| g{hV), {dXoe | AZwf{J`m|/
g`wV C Ama A` {Zdoe&
The bank has a policy for creation and utilisation of floating provisions.
The quantum of floating provisions to be created is assessed at
the end of each financial year. The floating provisions are utilised
only for contingencies under extraordinary circumstances specified
in the policy with prior permission of Reserve Bank of India or on
being specifically permitted by Reserve Bank of India for specific
purposes.
7) INVESTMENTS:
155
/ BANK OF INDIA
Held to Maturity
Held to Maturity
a) Investments included in this category are carried at
their acquisition cost, net of amortisation, if any. The
excess of acquisition cost, if any, over the face value
is amortised over the remaining period to maturity
using constant yield method. Such amortisation of
premium is adjusted against income under the head
interest on investments.
b) Investments in subsidiaries, joint ventures and
associates (both in India and abroad) are valued at
historical cost except for investments in Regional
Rural Banks, which are valued at carrying cost (i.e.
book value). A provision is made for diminution, other
than temporary, for each investment individually.
156
/ BANK OF INDIA
ii)
gaH$mar/{V^y{V`m
A` AZwmo{XV {V^y{V`m
B{$Q>r eo`g, nrEg`y Ama
`mgr eo`g
A{Ym` eo`g
nrEg`y ~mSg
`yMwAb $S> Ho$ `y{ZQ>
Government Securities
Other Approved Securities
Equity Shares, PSU and
Trustee shares
Investments are classified as performing and nonperforming, based on the guidelines issued by the RBI in
case of domestic offices and respective regulators in case
of foreign offices.
157
/ BANK OF INDIA
^maVr` [aOd ~H$ Ho$ gmW EbEE$ Ho$ AVJV IarXr/~oMr JB {V^y{V`m
{Zdoe ImVo | Zmo/Om H$s OmVr h Ama g`dhmam| H$s n[an$Vm na [adg
H$s OmVr h& Cg na A{OV/IM {H$E JE `mO H$m boImH$Z IM/amOd Ho$
$n | {H$`m OmVm h &
8) `wn (So>[ado{Q>d)
dVmZ | ~H$ `mO Xa Ed H$a|gr `wn H$m H$m` XoIVm h& ~H$ mam {H$`m
OmZo dmbm `mO Xa `wn n`m `mO Xa dn, {dXoer wm `mO Xa dn,
AJUr Xa H$ama VWm `mO Xa `yMa h& ~H$ mam {H$`m Om ahm wm `wn
{dH$n, H$agr dn VWm H$agr `yMa h& ^maVr` [aOd ~H$ Ho$ {Xem-{ZX}
emZwgma, `wn H$mo {ZZmZwgma y`m{H$V {H$`m OmVm h:
H$) hO/ZmZ hO (mH}$Q> oqH$J) g`dhma AbJ go [aH$mS> {H$E OmVo h&
I) h{OJ `wn na Am`/`` CnM` AmYma na boIm{H$V hmoVr h&
J) QoqS>J `wn WmZm| H$mo ~mOma H$mo {MphV (EQ>rE) {H$`m OmVm h Ama
n[aUmV hm{Z, `{X H$moB hmo, H$mo bm^ Ed hm{Z | ~Vm`m OmVm h& bm^,
`{X H$moB hmo,na `mZ Zht {X`m OmVm h&
K) QoqS>J dn Ho$ {ZaVrH$aU go bm^/hm{Z`m| H$mo {ZaVrH$aU {V{W |
Am`/`` Ho$ n | [aH$mS> {H$`m OmVm h& dn Ho$ {ZaVrH$aU na {H$gr
^r bm^/hm{Z H$m WJZ dn H$s eof AZw~{YV H$ Ad{Y AWdm
nXZm{V AmpV`m/Xo`VmAm| H$s ~H$m`m Ad{Y go g~ {H$`m OmVm h&
L>) {dH$n g{dXm Ho$ n[andVm H$mb na {dH$n ewH$/r{` H$m
n[aemoYZ {H$`m OmVm h&
9. AMb AmpV`m :
H$. nwZy`m{H$V AmpV`m| Ho$ mbm| Ho$ A{V[a$ {Oh| nwZy`Z aH$ na
hr ~Vm`m OmVm h, AMb AmpV`m| H$mo nanamJV bmJV | ~Vm`m J`m
h& nwZy`mH$Z go d{ H$mo nwZy`mH$Z Ama{jV | Om {H$`m OmVm J`m
h&
I. bmJV | IarX H$s bmJV VWm AmpV Ho$ Cn`moJ Ho$ nhbo OJh H$s
V`mar gWmnZm bmJV, `mdgm{`H$ ewH$ B`m{X Ogo {H$E JE g^r
`` em{b h& Cn`moJ {H$E Om aho AmpV`m| na {H$E JE CVadVu ``
H$mo Ho$db V^r nyOrH$V {H$`m OmEJm O~ Eogo AmpV`m| go AWdm CZH$s
H$m`mH$ jVm go ^{d` | bm^ | d{ hmoVr h&
J. n[aga H$s bmJV | d` H$s Ed n>mYmar ^y{ H$s bmJV XmoZm| em{b
h&
10. AMb AmpV`m| na y`mg :
H$. AmpV`m| na y`mg (nwZy`m{H$V AmpV`m| H$mo {bmH$a) ~H$ mam
{ZYm[aV Xam| na y`m{gV ~hr y` na ^m[aV {H$`m J`m h, H$`yQ>am|
H$mo N>moS>H$a& H$`yQ>am| na ^maVr` [aOd ~H$ mam {ZYm[aV Xa go grYo
aoIm n{V go y`mg bJm`m OmVm h&
I. Bg| n[adYZ H$m nyU df Ho$ {bE mdYmZ {H$`m OmVm h VWm Bg|
AmpV Ho$ Cn`moJ H$aZo H$s VmarI H$mo `mZ | Zht aIm OmVm h, O~{H$
{H$gr AmpV H$s IarX/{ZnQ>mZ Ho$ df | y`mg hoVw mdYmZ Zht
{H$`m OmVm h&
J. AmpV`m| Ho$ nwZy`m{H$V Ae na y`mg H$mo nwZy`Z Ama{jV Ho$
{Z{V gm`mo{OV {H$`m OmVm h&
K. Ohm ^y{ Ama ^dZ H$s bmJV AbJ-AbJ Zht H$s Om gH$Vr h, gnyU
bmJV na y`mg H$m mdYmZ, ^dZ na bmJy Xa na {H$`m OmVm h&
L> n>mYm[aV ^y{ na Xm r{`, n>o H$s Ad{Y hoVw n[aemo{YV H$s OmVr
h&
8) Derivative
9) FIXED ASSETS:
(a) Fixed assets are stated at historic cost, except in the case of
assets which have been revalued, which is stated at revalued
amount. The appreciation on revaluation is credited to
Revaluation Reserve.
(b) Cost includes cost of purchase and all expenditure such as
site preparation, installation costs, professional fees etc.
incurred on the asset before it is put to use. Subsequent
expenditure incurred on assets put to use is capitalised only
when it increases the future benefits from such assets or their
functioning capability.
(c) Cost of premises includes cost of land, both freehold and
leasehold.
10) DEPRECIATION ON FIXED ASSETS:
a)
158
/ BANK OF INDIA
{ddaU
n[aga
A` AMb AmpV`m
f)
y`mg H$s Xa
Sr.No. Particulars
Rate of Depreciation
5.00%
1.
Premises
2.
and
10.00%
15.00%
20.00%
159
/ BANK OF INDIA
ii)
iii)
iv)
ii.
b) Pension
160
/ BANK OF INDIA
Provident Fund
Pension
161
/ BANK OF INDIA
I. Am` VWm `` H$s X| Omo EH$ g` AmVr h Ama Omo nadVu EH$ `m
A{YH$ dfm] | [adgb H$s Om gH$Vr h Ho$ g~Y | AmW{JV H$a Ho$
{bE {ddoH$nyU {dMma H$aZo Ho$ A`YrZ m`Vm h&
J. AmW{JV H$a AmpV`m| Ama Xo`VmAm| H$m mnZ VwbZn H$s {V{W na `m
~mX | bmJy {H$E JE H$a Xam| Ama H$a H$mZyZm| na {H$`m OmVm h&
K. AmW{JV H$a AmpV`m| H$mo `oH$ [anmo{Q>J {V{W | m`Vm Xr OmVr h
Ama nwZy`mH$Z {H$`m OmVm h Omo dgybr H$mo gw{MV $n go {Z{V
mZo OmZo hoVw ~YZ H$s am` na AmYm[aV h& AmW{JV H$a AmpV`m|
H$mo AmJo bmE JE AZmdemo{fV y`mg Ama H$a hm{Z`m| na Ho$db V^r
m`Vm Xr OmVr h O~ `h nyUV: {Z{V hmo {H$ AmW{JV H$a AmpV`m|
H$s ^{d` | hmoZo dmbo bm^ go dgybr hmo gH$Vr h&
15. AmpV`m| H$m mg
pWa AmpV`m| (nwZyp`V AmpV`m| g{hV) na m{gV hm{Z `{X H$moB hmo H$mo
EEg 28 AmpV`m| H$m mg Ho$ AZw$n bm^ Ama hm{Z ImVo | ^m[aV H$s
OmVr h& VWm{n nwZyp`V AmpV na m{gV hm{Z H$mo grYo AmpV Ho$ {bE
{H$gr nwZy`Z A{Yeof na m`Vm Cg hX VH$ h Ohm VH$ EH$ hr AmpV
Ho$ nwZy`Z A{Yeof | aIr J`r aH$ m{gV hm{Z go A{YH$ Z hmo&
16. mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$ AmpV`m :
EEg 29 mdYmZ, AmH$pH$ Xo`VmE Ed AmH$pH$ AmpV`m Ho$ AZwgma yb
~H$ mdYmZm| H$mo ^r m`Vm XoVm h& O~ {nN>br KQ>ZmAm| Ho$ n[aUmd$n
dVmZ na H$moB Xm{`d hmo, `h g^m` h {H$ Am{WH$ bm^m| H$mo gm{d> H$aVo
hE ggmYZm| H$m ~{hJZm| H$s Xm{`dm| H$mo {ZnQ>mZ H$aZo Ho$ {bE Amd`H$Vm
nS>oJr Ama O~ Xm{`d H$s am{e H$m {dgZr` AZwmZ {H$`m Om gH$Vm hmo&
O~ VH$ {H$ Am{WH$ bm^m| H$mo gm{dQ> H$aVo hE ggmYZm| Ho$ ~{hJZ H$s
g^mdZm H$ Z hmo, AmH$pH$ Xo`VmAm| H$m H$Q>Z {H$`m OmVm h&
{dmr` {dda{U`m| | AmH$pH$ AmpV`m| H$mo m` Zht {H$`m OmVm h `m|{H$
BgHo$ n[aUmd$n Am` {ZYmaU H$s ~mV Am gH$Vr h O~{H$ dh H$^r ^r
dgyb Zht hmo nmVr&
17. eo`a Omar H$aZo hoVw `` :
{Og df | eoa Omar H$s OmVr h, eoa Omar H$aZo Ho$ H$mo bm^ VWm hm{Z
ImVo | ^m[aV {H$m OmVm h&
162
Share issue expenses are charged to the Profit and Loss Account in
the year of issue of shares.
/ BANK OF INDIA
AZwgyMr 18
O~ VH$ {H$ {d{e> $n go A`Wm Z H$hm J`m hmo g^r AmH$So> ` H$amoS>m| | h H$mo>
H$ | {XE AmH$So> {nN>bo df go g~{YV h
go{H$V {dmr` {ddaUnm| Ho$ ^mJ $n ZmoQg
SCHEDULE 18
All figures are in ` Crores unless specifically stated Figures in Brackets
relate to previous year
1. Particulars of the subsidiaries whose financial statements are
consolidated with the standalone financial statement of Bank of
India (the Parent Bank) are as under :
Names of Subsidiaries
dXoer AZwf{J`m :
~rAmoAmB eo`ahmopS>J {b.
~rAmoAmB Agmmo Bdo Q>V|Q> ZoOg m.{b.
~rAmoAmB Agmmo QQ>r g{dgoO m.{b
{dXoer AZwf{J`m:
H$) nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$
I) ~H$ Am$ B{S>`m (VOm{Z`m) {b{Q>oS>
J) ~H$ Am$ B{S>`m (`yOrbS>) {b{Q>oS>
K) ~H$ Am$ B{S>`m (`wJmS>m) {b{Q>oS>
S>.) ~H$ Am$ B{S>`m (~modmZm) {b{Q>oS>
em{b
`Wm
`Wm
(BH$mnm} 31.03.2014 31.03.2013
aoeZ)
H$mo yb
H$mo yb
Xoe
~H$ mam
~H$ mam
dm{d dm{d H$m
H$m AZwnmV
AZwnmV
^maV
^maV
^maV
51%
51%
51%
51%
51%
51%
BS>moZo{e`m
VOm{Z`m
`yOrbS>
`wJmS>m
~modmZm
76%
100%
100%
100%
100%
76%
100%
100%
100%
bmJy Zht
2. go{H$V {ddaU nm| | {dMma H$s J`r gh`moJr H$n{Z`m| Ama g`w$ C{`m|
Ho$ {ddaU Bg H$ma h:
(i) ghmoJr H$n{Zm
gh`mo{J`m| Ho$ Zm
em{b
`Wm
`Wm
Xoe 31.03.2014 H$mo 31.03.2013
yb ~H$ mam
H$mo yb ~H$
dm{d H$m
mam dm{d
AZwnmV
H$m AZwnmV
jor` JmrU ~H$i) PmaIS> JmrU ~H$
^maV
35%
35%
ii) ZXm mbdm JmrU ~H$
^maV
35%
35%
iii) dZJJm H$Um JmrU ~H$ ^maV
35%
35%
iv) ~VaUr Jm` ~H$
^maV
35%
35%
v) Am`dV JmrU ~H$
^maV
35%
35%
BS>mo Omp~`m ~H$ {b.
Omp~`m
20%
20%
EgQ>rgrAmB $Zg {b{Q>oS>
^maV
29.96%
29.96%
EEgAmaBgr (B{S>`m) {b.
^maV
26.02%
26.02%
(ii) g`w$ C:
g`w$ Cm| Ho$ Zm em{b `Wm 31.03.2014
Xoe
H$mo yb ~H$ mam
dm{d H$m
AZwnmV
Q>ma `y{Z`Z XmB-BMr
OrdZ ~rm H$nZr {b. ^maV
48%
`Wm 31.03.2013
H$mo yb ~H$ mam
dm{d H$m
AZwnmV
48%
Country of
Proportion Proportion
Incorporation
of
of
Ownership Ownership
by the
by the
Parent
Parent
bank as on bank as on
31.03.2014 31.03.2013
Domestic Subsidiaries:
BOI Shareholding Ltd.
India
51%
51%
BOI AXA Investment
India
51%
51%
Managers Pvt Ltd.
BOI AXA Trustee
India
51%
51%
Services Pvt Ltd.
Overseas Subsidiaries:
a) PT Bank of India
Indonesia
76%
76%
Indonesia Tbk
b) Bank of India
Tanzania
100%
100%
(Tanzania) Ltd.
c) Bank of India (New
New Zealand
100%
100%
Zealand) Ltd.
d) Bank of India
Uganda
100%
100%
(Uganda) Ltd.
e) Bank of India
Botswana
100%
NA
(Botswana) Ltd.
2. Particulars of associates and joint venture considered in the
Consolidated Financial Statements are as under :
(i)
Associates:
Names of Associates
Country of
Incorporation
Proportion
of
Ownership
by the
Parent
bank as on
31.03.2014
Proportion
of
Ownership
by the
Parent
bank as on
31.03.2013
India
35%
35%
India
35%
35%
India
35%
35%
India
Zambia
35%
20%
35%
20%
India
India
29.96%
26.02%
29.96%
26.02%
Names of Joint
Venture
Country of
Incorporation
India
Proportion of
Ownership
by the Parent
bank as on
31.03.2014
48%
a)
Regional Rural
Banksi) Jharkhand
Gramin Bank
ii) Narmada
Jhabua
Gramin Bank
iii) Vidharba
Konkan
Gramin Bank
iv) Gramin Bank
of Aryavart
b) Indo Zambia Bank
Limited
c) STCI Finance Ltd.
d) ASREC (India)
Ltd.
(ii)
Joint Venture:
163
Proportion of
Ownership
by the Parent
bank as on
31.03.2013
48%
/ BANK OF INDIA
6. (A)- During the year the Parent bank allotted 4,63,60,686 Equity
Shares of ` 10 each to Government of India at a price of `215.70
per share, on preferential basis, as approved by the shareholders
in an Extra ordinary General Meeting held in accordance with
the regulation 76(1) of SEBI (Issue of Capital and disclosure
requirements) Regulations, 2009. The amount received by the
Parent bank on this account is `1000.00 crores. Consequently, the
Government of India shareholding has increased from 64.11% to
66.70%
(B)- During the year the Parent bank issued AAA rated 9.80% Basel III
compliant Tier II Bonds of Ten years maturity for `1500.00 crores.
7.
164
During the year, the Parent Bank has changed its accounting policy
of provisioning in respect of NPAs classified as Sub-Standard
(Secured) from 20%(accelerated provision) to 15%(minimum
provision) which has resulted into write back of provision for NPAs
of `248.71 Crores provided till 31st March 2013. Had the earlier
accounting policy been followed, the provision for NPAs for the
year would have been higher by `325.38 Crores with consequential
decrease in Net profit for the year (net of tax) by `214.78 Crores.
/ BANK OF INDIA
8. Am`H$a A{Y{Z`, 1961 H$s Ymam 36(1) (viii) Ho$ AVJV H$a H$s H$Q>mVr
H$m bm^ m{ H$aZo Ho$ {bE yb ~H$ bm^ Ho$ {d{Z`moOZ go {deof Ama{jV
{Z{Y H$m gOZ H$aVm h& ^maVr` [aOd ~H$ Zo AnZo n[an {XZmH$ 20 {Xg~a,
2013 mam ~H$m| H$mo gy{MV {H$`m h {H$ do EH$ {ddoH$gV Cnm` Ho$ $n |
{deof Ama{jV {Z{Y | ~H$m`m am{e go AmW{JV H$a Xo`Vm (S>rQ>rEb) H$m
gOZ H$a|& VXZwgma, gmm` Ama{jV {Z{Y KQ>mVo hE, ~H$ Zo, `Wm 31 mM,
2013 H$mo {deof Ama{jV {Z{Y | ~H$m`m am{e na `431.67 H$amoS> Ho$ S>rQ>rEb
H$m gOZ {H$`m h& BgHo$ A{V[aV df Ho$ XmamZ g{OV Eogr {deof Ama{jV
{Z{Y na `118.96 H$amoS> Ho$ S>rQ>rEb H$m ^r gOZ {H$`m J`m h& VXZwgma, df
Ho$ {bE H$a `` | `118.96 H$amoS> H$s d{ Ama df Ho$ {bE bm^ | CVZr
hr {JamdQ> hB h&
9. AZwfJr ~hr ImVm| Ho$ yb ~H$ Ho$ gVwbZ Ho$ ~mao | Ed {dXoer emImAm|
Ed ZmoQm| ImVm| Ama CMV, gXo` SmQ>m|, gmemoYZ AVam|, B`m{X Ho$ gmW
eofam{e`m| H$s nw{> /gmYmZ H$m H$m` gVV AmYma na J{V na h& Cnamo$
H$m bp~V A{V {Z~mYZ/gm`moOZ, {dXoer emImAm| g{hV, ImVm| na gJ
^md, `{X H$moB hmo, ~YZ H$s am` | hdnyU hmoZo H$s g^mdZm Zht h&
yb ~H$ Ho$ AmVa H$m`mb` gm`moOZm| Ho$ ~mao | F$U Ed Om ~H$m`m
{d{>`m| H$mo map^H$ {bmZ 31 mM, 2014 VH$ nyU H$a {b`m J`m h&
Ad{e> {d{>`m| Ho$ gmYmZ H$m H$m` J{V na h& {d{>`m| H$m bp~V
A{V {Z~mYZ/gm`moOZ, ~YZ H$s am` |, ImVm| na gJ ^md hdnyU
hmoZo H$s g^mdZm Zht h&
10. ^maVr` [aOd ~H$ mam Omar {H$E JE {Xem{ZX}em| Ho$ AZwgma go{H$V {dmr`
{ddaUn Ho$ ~mao | {ZZ{bpIV gyMZm Xr Om ahr h:
H$) nyOr:
(` H$amoS> |)
H$. {ddaU
31.03.2014 31.03.2013
g.
i) gmm` B{$Q>r {Q>`a 1 nyOr AZwnmV
(CET1) (%)
~mgob-II
bmJy Zht
bmJy Zht
~mgob -III
6.99%
N
ii) {Q>`a 1 nyOr AZwnmV (%)
~mgob -II
7.89%
8.31%
~mgob -III
7.42%
bmJy Zht
iii) {Q>`a II nyOr AZwnmV (%)
~mgob -II
3.26%
2.80%
~mgob -III
2.79%
bmJy Zht
iv) Hw$b nyOr AZwnmV (CRR) (%)
~mgob II
11.15%
11.11%
~mgob -III
10.21%
bmJy Zht
v) ^maV gaH$ma H$s eo`aYm[aVm H$m {VeV
66.70%
64.11%
vi) df Ho$ XmamZ m{ B{$Q>r nyOr am{e
1000.00
809.00
vii) df Ho$ XmamZ {Q>`a-I nyOr Ho$ $n | mV
0.00
0.00
am{e (IPDI)
viii) df Ho$ XmamZ m{ {Q>`a-II am{e AWmV
1500.00
0.00
So>Q> H${nQ>b BQ>|Q>
ii)
iii)
iv)
31.03.2014
31.03.2013
NA
NA
Basel- III
6.99%
NA
Basel- II
7.89%
8.31%
Basel- III
7.42%
NA
Basel- II
3.26%
2.80%
Basel- III
2.79%
NA
Basel- II
11.15%
11.11%
Basel- III
10.21%
NA
v)
66.70%
64.11%
vi)
1000.00
809.00
vi)
0.00
0.00
iv)
1500.00
0.00
165
/ BANK OF INDIA
I) mdYmZ Ed AmH$pH$VmE:
go{H$V {dmr` {ddaU nm| | em{b mdYmZm| Ed AmH$pH$VmAm| H$m
{ddaU {ZZmZwgma h:
(` H$amoS> |)
X|
2013-14 2012-13
EZnrE Ho$ {bE mdYmZ
3974.26 3722.06
{Zdoem| Ho$ y` | mg
72.55
76.69
H$maYmZ Ho$ {bE mdYmZ (AmWm{JV H$a g{hV)
834.49 275.79
mZH$ AmpV`m| na mdYmZ
423.42 292.18
A` mdYmZ (bmoqQ>J mdYmZm| g{hV)
412.47 356.23
Hw$b
5717.19 4722.95
J) bmoqQ>J mdYmZm| Ho$ `mao (H$mCQ>a gmBpbH$b mdYmZrH$aU
~$a (yb ~H$)
(` H$amoS> |)
{ddaU
2013-14 2012-13
map^H$ eof
543.92 543.92
df Ho$ XmamZ n[adYZ
0.00
0.00
df Ho$ XmamZ KQ>Vo AmhaU mam H$r Ho$ `moOZ, `{X 179.49
0.00
H$moB hmo, {XE OmZo h)
B{V eof
364.43 543.92
K) Am` H$a
(i) yb ~H$ Ho$ g~Y | AmH$pH$ Xo`VmAm| (AZwgyMr 12) Ho$ AVJV
F$U Ho$ $n | A{^drH$V Z {H$E JE ~H$ Ho$ {d{^ Xmdm| |
`857.58 H$amoS> (`621.25 H$amoS>) H$s {ddm{XV Am` H$a/`mO
H$a Xo`Vm em{b h {OgHo$ {bE Eogo {ddmXm| na {dJV {ZYmaUm| Ho$
{bE {d{^ `m{`H$ {ZU`m| Ho$ AmYma na H$moB mdYmZ Amd`H$
Zht gPm J`m h& Eogo {ddm{XV Xo`m| Ho$ {d{^ ^wJVmZ/gm`moOZ
A` AmpV`m| (AZwgyMr II) Ho$ VhV em{b h&
(ii) df Ho$ {bE Am` H$a hoVw mdYmZ H${Vn` {ddm{XV gbm| na
{d{^ `m{`H$ {ZU`m| na gw{MV {dMma H$aZo Ho$ nmV hmo JE h&
(iii) Am`H$a hoVw `368.82 H$amoS >, EEQ>r H$m {Zdb ({dJV df 2012-13
`603.89 H$amoS>), Ho$ mdYmZ H$mo {d{^ Anrb m{YH$m[a`m| Ho$
AZwHy$b {ZU`m] Ho$ AmYma na Bg df Ho$ XmamZ amBQ>~H$ H$a {X`m
J`m h&
S>.) ghm`H$ gWmAm| Ho$ g~Y | yb ~H$ mam Omar MwH$mVr AmmgZ
n (~YZ mam `Wm gH${bV)
df 2011-12 Ho$ XmamZ yb ~H$ Zo AnZr nyUV: dm{d dmbr AZwfJr,
~H$ Am$ B{S>`m (~modmZm) {b. Ho$ ~mao |, CgH$s {dmr` dMZ~VmAm|,
`{X H$moB hmoVr h, H$mo nyam H$aZo Ho$ {bE JdZa, ~H$ Am$ ~modmZm H$mo EH$
dMZ~Y Omar {H$`m h&
df 2010-11 Ho$ XmamZ yb ~H$ Zo, am`b ~H$ Am$ `yOrbS> Ho$ nj |,
CgH$s nyU dm{d dmbr AZwfJr Ho$ {bE CgHo$ {dmr` Xm{`dm|, `{X do Xo`
hmoVo h, H$m nyam H$aZo Ho$ {bE naoQ>b JmaQ>r Omar H$s h&
Ab~mm `Wm 31.03.2014 H$mo C$ dMZ~VmAm| na H$moB {dmr` Xm{`d
Zht Am`m h&
(` in crore)
Items
Provision for NPA
Depreciation in Value of Investments
Provision for Taxation (including deferred tax)
Provision on Standard Assets
Other Provisions (including floating provisions)
Total
2013-14 2012-13
3974.26 3722.06
72.55
76.69
834.49
275.79
423.42
292.18
412.47
356.23
5717.19 4722.95
2013-14
2012-13
543.92
543.92
0.00
0.00
179.49
0.00
Closing Balance
364.43
543.92
d) Income-Tax
(i) In respect of Parent Bank, the Claims against the Bank
not acknowledged as debt under contingent liabilities
(Schedule 12) include disputed income tax / interest
tax liabilities of `857.58 crore (`621.25 crore) for which
no provision is considered necessary based on various
judicial decisions for past assessments on such disputes.
Payments/adjustments against the said disputed dues are
included under Other Assets (Schedule 11).
(ii) Provision for income tax for the year is arrived at after due
consideration of the various judicial decisions on certain
disputed issues.
(iii) Provision for Income Tax of `368.82 crores (previous
year 2012-13 `603.89 crores) net of MAT Credit has been
written back during the year on the basis of favourable
decisions of various appellate authorities.
e) Letter of comfort issued by the Parent Bank in respect of
subsidiaries
During the year 2010-11, the Parent Bank issued parental guarantee
in favour of Royal Bank of New Zealand, for its wholly owned
subsidiary, BOI (New Zealand) Ltd. to meet its financial obligations,
if they fall due.
166
/ BANK OF INDIA
11 ^maVr` gZXr boImH$ma gWmAmo (AmBgrEAmB) mam Omar boImH$Z mZH$m| (EEg) Ho$ AZw$n {H$E JE H$Q>Z.
Disclosures in terms of Accounting Standards (AS) issued by the Institute of Chartered Accountants of India (ICAI):
(H$) boImH$Z mZH$ 15 H$Mmar bm^ (yb ~H$)
A) Accounting Standard 15 Employee Benefits (Parent Bank)
Jo`wQ>r
n|eZ
2012-2013
Jo`wQ>r
n|eZ
(ii)
(iii)
(iv)
(v)
(vi)
(vii)
Am` {ddaU-n | m` `` :
dVmZ godm bmJV
`mO bmJV
bmZ EgoQg na Ano{jV {V$b
{dJV dfm] Ho$ m`f `` (gH$m{V)
{dJV dfm] Ho$ m`f `` ({Z{hV bm^)
{dJV dfm] go g~{YV m` bmJV
m`m n[adVZ Xo`Vm
~rm{H$H$ (bm^) `m hm{Z
bm^ Ed hm{Z | m` ``
9.32%
9.18%
6.00%
1.00%
9.27%
8.42%
6.00%
1.00%
8.00%
8.00%
5.00%
1.00%
8.00%
8.00%
5.00%
1.00%
1505.38
129.47
705.70
(232.45)
(705.56)
1402.55
7404.65
658.35
804.95
(605.48)
(224.22)
8038.24
1477.64
110.03
64.39
(204.45)
57.77
1505.38
7139.38
552.17
943.80
(474.38)
(756.32)
7404.65
1333.79
122.44
110.00
(232.45)
(17.27)
1316.51
688.29
6504.83
547.71
743.92
(605.48)
70.22
7261.20
294.44
1017.12
81.37
405.93
(204.45)
33.82
1333.79
(23.95)
5070.13
405.61
1385.43
(474.38)
118.04
6504.83
874.36
171.59
85.80
85.79
884.86
442.44
442.42
257.38
85.79
171.59
1327.29
442.43
884.86
122.44
(17.27)
105.17
547.71
70.22
617.93
81.37
33.82
115.19
405.61
118.04
523.65
1402.55
1316.51
(86.04)
85.79
(0.25)
8038.24
7261.19
(777.05)
442.42
(334.63)
1505.38
1333.79
(171.59)
171.59
0.00
7404.65
6504.83
(899.82)
884.86
(14.96)
705.70
129.47
(122.44)
85.80
(688.29)
110.25
804.95
658.35
(547.71)
442.44
(294.44)
1063.59
64.39
110.03
(81.37)
85.79
23.95
202.79
943.80
552.17
(405.61)
1.96
442.43
(874.36)
660.39
167
/ BANK OF INDIA
Jo`wQ>r
n|eZ
2012-2013
Jo`wQ>r
n|eZ
(ix)
(xi)
VwbZ n gmYmZ :
ma{^H$ {Zdb Xo`Vm
(VwbZ n | m` H$s JB {dJV Ad{Y H$s {Zdb am{e)
Cn`w$ AZwgma ``
A`` H$nZr go AVaU {Zdb
A`` H$nZr H$mo AVaU {Zdb
{Z`mo$m H$m AeXmZ
VwbZ n | m` am{e
AmpV`m| H$m dJ :
^maV gaH$ma H$s AmpV`m
H$mnm}aoQ> ~mSg
{deof Omam{e `moOZm
am` gaH$ma
gn{m
A`
Hw$b
0.00
110.25
(110.00)
0.25
14.96
1063.59
(743.92)
334.63
203.14
202.79
(405.93)
-
740.00
660.39
(1385.43)
14.96
Category of Assets :
Government of India Assets
Corporate Bonds
Special Deposits Scheme
State Government
Property
Other
Insurer managed funds
Total
153.55
712.96
413.98
36.02
1316.51
568.12
4091.60
2499.07
102.4
7261.19
177.04
295.45
-831.83
-29.47
-1333.79
619.75
4253.32
-1588.37
-43.39
-6504.83
AZw^d gm`moOZ :
bmZ Xo`Vm na (bm^)/hm{Z
bmZ EgoQ> na (hm{Z)/bm^
Experience Adjustment :
On Plan Liability (Gain)/Loss
On Plan Asset (Loss)/Gain
(705.56)
(17.27)
(224.22)
70.22
57.77
33.82
(756.32)
118.04
H$) ~H$ Zo H$Mmar ^{d` {Z{Y Ho$ {bE AeXmZ H$mo `` Ho$ n | mZm h&
df Ho$ XmamZ ~H$ Zo Eogr {Z{Y Omo EH$ n[a{Z{V AeXmZ `moOZm h, Ho$
{bE `38.23 H$amoS > ({dJV df `24.97 H$amoS >) H$m AeXmZ {X`m h&
I) Ama~rAmB n[aa Z. S>r~rAmoS>r.~rnr.~rgr.80/21.04.018/2010-11
{XZmH$ 9 $adar 2011 Ho$ AZw$n :
l
CZ mOyXm H$Mm[a`m| Ho$ {bE, {Ohm|Zo EoMyarAb ~o{gg na
nhbo n[aH${bV H$s J`r n|eZ Ho$ {bE {dH$n Zht {X`m Wm,
n|eZ {dH$n H$mo {$a go ImobZo Ho$ H$maU `2212.15 H$amoS> H$s
A{V[a$ Xo`Vm (31.03.2011 go ew$ H$aHo$ 5 dfm] | gH$m{V H$s
OmZodmbr) Ho$ {Z{m gmZwnmV AmYma na df Ho$ XmamZ `442.44
H$amoS> H$s am{e bm^-hm{Z ImVo | ^m[aV H$s J`r h&
l am{e Jo`wQ>r EQ>, 1972 Ho$ ^wJVmZ | Jo`wQ>r grmAm| H$s d{
Ho$ H$maU (31.03.2011 go ew$ H$aHo$ 5 dfm] | gH$m{V H$s
OmZodmbr) `428.96 H$amoS> H$s A{V[a$ Xo`Vm Ho$ {Z{m gmZwnmV
AmYma na {Vmhr Ho$ XmamZ `85.79 H$amoS> H$s bm^-hm{Z ImVo |
^m[aV H$s J`r h&
J) H$Mmar gKm| Ho$ gmW doVZ n[aemoYZ Ho$ g~Y | hmo ahr ~mV-MrV Ho$
dVmZ MaU Ama ~qH$J CmoJ | C^aVo Xma H$mo `m Z | aIVo hE ~H$
Zo EMwrEar Ho$ name go, ^{d` | hmoZo dmbo doVZ n[aemoYZ Ho$ {bE
gbar EH$MboeZ aoQ> | D$dVwIr 20% H$m gm`moOZ, AWmV 5%
go 6% {H$`m h& ~H$ Amd{YH$ AmYma na pW{V H$m AmH$bZ H$a ahr h
Ama CgHo$ AmYma na, ~H$ H$m `h mZZm h {H$ 6% gbar EH$,boeZ
aoQ>, doVZ n[aemoYZ H$s dOh go hmoZo dmbr Xo`Vm H$mo H$da H$aZo hoVw n`m
h&
K) EMwAar mam ~H$ H$mo `h gy{MV {H$`m J`m h {H$ gmdO{ZH$ jo Ho$ ~H$
H$Mm[a`m| Ho$ mo$mBb H$mo XoIVo hE ~H$ H$Mm[a`m| Ho$ godm{Zd{m bm^
Ho$ n[aH$bZ hoVw EMwAar mam `w$ dVmZ moaQ>{b{Q> Q>o~b n`m h&
a.
b.
In
accordance
with
the
RBI
circular
no.DBOD.
BP.BC.80/21.04.018/2010-11dated 9th February 2011:
l ` 442.44 Crores for the Year has been charged to the
Profit & Loss Account on proportionate basis towards
additional liability of ` 2212.15 Crores (being amortised
over 5 years beginning from 31st March, 2011) on account
of reopening of pension option for existing employees who
had not opted for pension earlier calculated on actuarial
basis.
l ` 85.79 Crores for the Year has been charged to the
Profit & Loss Account on proportionate basis towards
additional liability of `428.96 Crores (being amortised over
5 years beginning from 31st March 2011) on account of the
enhancement of gratuity limits in Payment of Gratuity Act,
1972.
168
c.
d.
The Bank has been advised by the Actuary that the present
mortality table being used by the Actuary to determine retirement
benefits of Banks employees is appropriate considering the
profile of employees of the Public Sector Banks.
/ BANK OF INDIA
H$mamo~ma IS>
amOd
Ja-Am~{Q>V amOd
AVa IS> amOd
Hw$b amOd
n[aUm
Ja-Am~{Q>V ``
n[aMmbZ bm^
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AgmYmaU bm^/hm{Z
{Zdb bm^
A` OmZH$mar :
IS> AmpV`m
JaAm~{Q>V AmpV`m
Hw$b AmpV`m
IS> Xo`VmE
Ja Am~{Q>V Xo`VmE
Hw$b Xo`VmE
Business Segment
H$mofmJma n[aMmbZ
Treasury Operations
Revenue
Wholesale Banking
Operations
Hw$b
Total
2013-14
2012-13
2013-14
2012-13
2013-14
2012-13
2013-14
2012-13
11725.45
9554.43
20015.28
15808.70
10347.02
10314.80
42087.75
35677.93
424.59
281.37
Unallocated Revenue
Inter Segment Revenue
Total Revenue
Results
1882.88
1,184.37
1270.32
897.31
985.76
1,258.04
68.16
86.35
42444.18
35872.95
4138.96
3,339.73
Unallocated Expenses
(317.70)
(244.04)
Operating profit
3821.26
3,095.69
834.49
275.79
Income Tax
Extraordinary profit/loss
Net Profit
0.00
0.00
2986.78
2,819.90
561,451.76
445,442.73
Other Information:
Segment Assets
171,372.11
142,598.39
296,639.52
223,015.31
97440.13
79,829.03
Unallocated Assets
Total Assets
Segment Liabilities
164,590.94
136,254.81
280858.89
213,080.56
93602.23
76,305.94
Unallocated Liabilities
Total Liabilities
16702.85
10,964.07
578,154.60
456,406.80
539,052.06
425,641.31
8,328.81
6,294.48
547,380.87
431,935.79
ZmoQ> : Ja ~qH$J AZwf{J`m|/ g`ww$ Cm| go g~{YV gyMZm H$mo AZm~{Q>V IS> Ho$ AVJV em{b {H$`m J`m h&
Note: Information in respect of Non Banking subsidiaries/joint venture has been included under unallocated segment.
/ BANK OF INDIA
e) Allocation of Costs
Managing Director:
Smt. V. R. Iyer
Executive Directors:
Shri. N. Seshadri
(up to 30.04.2013)
Shri. M. S. Raghavan
(up to 05.07.2013)
Shri.B.P.Sharma
Shri.Koteeswaran
(w.e.f.05.08.2013)
(b)
Subsidiaries :
(i) BOI Shareholding Limited.
(ii)
PT Bank of India Indonesia Tbk
(iii)
Bank of India (Tanzania) Limited.
(iv)
Bank of India (New Zealand) Limited.
(v)
Bank of India (Uganda) Limited.
(vi)
Bank of India (Botswana) Limited
(vii)
BOI AXA Investment Managers Private Limited.
(viii)
BOI AXA Trustee Services Private Limited
(c)
Associates :
(i) STCI Finance Limited.
(ii)
ASREC (India) Limited.
(iii)
Indo-Zambia Bank Limited.
(iv)
4 Regional Rural Banks sponsored by the Bank:
(a) Gramin Bank of Aryavart(Formerly Known as
AryavartKshetriyaGramin Bank)
(b) Jharkhand Gramin Bank;
(c) Narmada JhabuaGramin Bank
(d) VidharbhaKonkanGraminBank
(d)
Joint Venture :
(i) Star Union DaiIchiLife Insurance Co. Ltd.
170
/ BANK OF INDIA
II)
H$) g~{YV njH$mam| Ho$ gmW g`dhma (~YZ mam `Wm go{H$V)
a) Transactions with Related Parties (As compiled by the Management)
H$.
g.
1
2
3
4
5
6
X|/ g~{YV nj
Om
df Ho$ XmamZ A{YH$V
Omam{e`m| H$m {Z`moOZ
df Ho$ XmamZ A{YH$V
{Zdoe
df Ho$ XmamZ A{YH$V
mJ /gyMZm | CYma XoZm/Q>
Zr
df Ho$ XmamZ A{YH$V
A` CYma XoZm
df Ho$ XmamZ A{YH$V
mJ /gyMZm | CYma boZm/
Q> Zr
df Ho$ XmamZ A{YH$V
~H$ Ho${S>Q> bmBZ/S>`y{Q>
grS>rEb Ed AmoS>r | CYma :
df Ho$ XmamZ A{YH$V
Ja-{Z{YH$ dMZ~VmE
df Ho$ XmamZ A{YH$V
Xm bm^me
m bm^me
Xm godmE
m godmE
~YZ g{dXmE
A` m`
H$moB A` m`
H$moB A` H$mamo~ma
`50000/-
Items/Related Party
Deposits
Maximum during the year
Placement of deposits
Maximum during the year
Investments
Maximum during the year
Lending in Call /
Notice /Term Money
Maximum during the year
Other lending
Maximum during the year
Borrowings in Call /
Notice / Term Money
Maximum during the
year
Borrowings in Bank
Credit Line/WCDL &
OD:
Maximum during the year
Non-funded
commitments
Maximum during the
year
Sale of Govt. Securities /
Treasury Bills / Bonds
Purchase of Govt.
Securities / Treasury
Bills / Bonds
Interest Paid
Interest Received
Non financial expenses
recd.
Dividend Paid
Dividend Received
Services rendered
Services received
Management contracts
Any Other receivable
Any Other payable
Any Other Business
ghm`H$ H$n{Z`m/
wI ~YZ H$m{H$
g`w$ C
2013-14 2012-13 2013-14 2012-13
38.83
55.06
0.27
0.05
39.33
55.06
0.63
0.05
2.00
61.00
0.14
29.57
-
28.97
485.30
493.16
-
29.57
74.00
112.50
-
28.97
485.30
493.16
-
29.57
74.00
112.50
-
10.84
10.84
3.18
6.75
0.07
4.07
2.62
0.16
0.01
-
0.01
-
3.20
6.75
0.07
4.07
2.62
0.16
1.28
36.68
19.57
5.17
30.31
19.45
9.11
31.25
49.65
0.12
6.83
1.28
36.68
19.57
5.17
30.31
19.45
9.11
31.25
49.65
0.12
6.83
Actual amount being less than ` 50000/-, the same is not furnished.
171
/ BANK OF INDIA
Zm
lrVr dr.Ama. A`a
lr EZ. eofm{
lr E.Eg. amKdZ
lr {~. nr. em
lr AU lrdmVd
lr Ama.H$moQ>rdaZ
nXZm
A`j Ed ~Y {ZXoeH$
nyd-H$m`nmbH$ {ZXoeH$
nyd-H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
H$m`nmbH$ {ZXoeH$
Name
Shri N. Seshadri
Ex-Executive Director
Ex-Executive Director
Shri B. P. Sharma
Executive Director
Executive Director
Shri R. Koteeswaran
Executive Director
ghm`H$ ~H$m| Ama jor` JmrU ~H$m| Ho$ g`dhma am`m {Z`{V hmoZo Ho$ H$maU
EEg-18 Ho$ nam 9 H$s {> | H$Q>Z Zht {H$E JE h Omo{H$ AmBgrEAmB mam
g~{YV nmQ>u H$Q>Z Ho$ {bE Omar {H$E h {Og| BZ nm{Q>`m| Ho$ Xygao njH$mam| Ho$
gmW, Omo ^r am`B {Z`{V h, g`rdhmam| H$mo H$Q>Z Z H$aZo H$s Ny>Q> h&
(S>r) boImH$Z mZH$ 19 n>m {dm nmofU (yb ~H$)
(i) n>m {dmH$nmofU Ama BgHo$ KQ>H$m| | ~H$ Ho$ {Zdoe H$s g{dXmJV
n[ano$VmE Omo A{Jm| | em{b H$s JB h H$m CoI ZrMo {H$`m
J`m h:
(am{e ` H$amoS> |)
H$. g.
{ddaU
H$) gH$b {Zdoe
I) m` n>m ^wJVmZ
(i) 1 df go A{YH$ Zht
(ii) 1 df go A{YH$ {H$Vw 5 df go A{YH$ Zht
(iii) 5 df go A{YH
Hw$b
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K) {Zdb {ZdoeH$
(B) boImH$Z mZH$ 20 {V eo`a AOZ
Designation
Smt. V. R. Iyer
2013-14
2,182,440
198,856
449,793
1,973,716
1,002,071
998,465
2012-13
648,485
1,995,690
1,516,172
1,077,105
-
Particulars
(Amount in ` crore)
31.03.2014
31.03.2013
0.22
0.22
0.00
0.00
0.00
0.00
0.22
0.22
TOTAL
0.22
0.22
0.00
0.00
Net investments [ a c ]
0.22
0.22
Gross Investments
Lease payment receivables
(` H$amoS> |)
H$. g.
{ddaU
1.
AmYma^yV Ama VZwH$V *
AmYma^yV Ed VZwH$V BnrEg H$m n[aH$bZ
Particulars
Basic and Diluted * (`)
2013-2014
2012-2013
48.96
49.01
Particulars
2013-2014 2012-2013
H$. g.
{ddaU
(H$)
B{$Q>r eo`mYmaH$m| H$mo XmZ H$aZo `mo`o df Ho$ {bE {Zdb bm^ Net Profit for the year attributable to Equity Shareholders 2986.78 2819.90
(` in crore) (A)
(`H$amoS>) (E)
Weighted Average Number of Equity shares (crore) (B)
61.00
57.54
(I)
B{$Q>r eo`a H$s ^m[aV AmgV g`mH$ (`H$amoS>)(~r)
48.96
49.01
Basic & Diluted Earnings per Share (A/B) (`)
(J)
yb^yV {V eo`a Am` (E/~r) (`)
10.00
10.00
Nominal
Value
per
Equity
Share
(`)
(K)
{V eo`a A{H$V y`` (`)
* AmYma^yV Ed VZwH$V B.nr.Eg. gmZ hr h `m|{H$ Xr g^m` B{$Q>r eo`a * Basic and Diluted E.P.S. are same as there are no dilutive potential
equity shares.
Zht h&
172
/ BANK OF INDIA
{ddaU
31.03.2014
31.03.2013
173
/ BANK OF INDIA
Particulars
Legal cases/contingencies
Opening Balance
2013-14
26.94
2012-13
22.05
0.01
4.89
26.95
26.94
I. AmH$pH$ Xo`VmE
`Wm C{pIV Bg H$ma H$s Xo`VmE, `m`mb` Ho$ {ZU`/ `$WVm
H$aZo/ `m`mb` Ho$ ~mha gPmVm, Anrb H$m {ZnQ>mZ, mJr JB am{e,
g{dXmJV Xm{`dm| H$s eV}, {dH$mg VWm g~{YV njm| mam CR>mB JB mJ
Ogm ^r mbm hmo na H$e: {Z^a H$aVm ho& BZ mbm| | H$moB {Vny{V
Ano{jV Zht h&
12. yb ~H$ VWm AZwf{J`m| Ho$ AbJ {dmr{` {ddaU n | H$Q>Z H$s JB
A{V[a$ gyMZm {OZH$m go{H$V {dmr` {ddaUm| Ho$ g` VWm {Znj N>{d na
H$moB Aga Zht h Ama Eogo X Omo hdnyU Zht h CZgo g~{YV gyMZm H$m
go{H$V {dmr` {ddaU | H$Q>Z Zht {H$`m J`m h&
13. Ohm H$ht ^r Amd`H$ gPm J`m h, dhm {dJV df Ho$ AmH$S>m| H$mo, {$a go
gy{hV/`dpWV {H$`m J`m h&
B. Contingent Liabilities
174
/ BANK OF INDIA
To
The Board of Directors of Bank of India
1. hZo ~H$ Am$ B{S>`m Ho$ gb go{H$V {dmr` {ddaU (yb ~H$) Ama
AZwf{J`m| Ama g`w$ C, BgHo$ ~mX {Ogo g`w$$$n go ~rAmoAmB Jyn H$hm
J`m h Ama go{H$V {ddaU Ho$ gmW 31 mM, 2014 Ho$ go{H$V VwbZ-n,
go{H$V bm^ hm{Z ImVm Ama gm hE df H$m go{H$V ZH$Xr dmh {ddaU,
hdnyU boIm Zr{V`m| Ama A`d `m`mH$ gyMZm H$s boIm narjm H$s h&
go{H$V {dmr` {ddaU {ZZ{bpIV na AmYm[aV h-
1.
gr) nmM {dXoer AZwf{J`m| Ho$ {dmr` {ddaU, Omo ~YZ mam V`ma {H$E JE
h, {OZH$s A` boIm-narjH$m| Zo grjm H$s h, Ama
c)
S>r) VrZ dXoer ghm`H$ H$n{Z`m| d 2 AZwf{J`m| Ho$ A-boIm nar{jV {dmr`
{ddaU &
go{H$V {ddaU Ho$ {bE ~YZ H$m CmaXm{`d
2. BZ {dmr` {ddaUm| H$m CmaXm{`d yb ~H$ Ho$ ~YZ H$m h, `o go{H$V
{dmr` {ddaU, go{H$V {dmr` pW{V, go{H$V {dmr` H$m`-{ZnmXZ Ama
Am Vma na ^maV | drH$m` boImH$Z {gmVm| Ho$ AZwgma ~rAmoAmB Jwn
Ho$ go{H$V ZH$Xr dmh H$m ghr Ama C{MV n[a` VwV H$aVo h& Bg|
{S>OmBZ, H$m`md`Z Ama {dmr` {ddaU V`ma H$aZo Ama Vw{V Ho$ {bE
g~{YV aI-aImd em{b h, Omo ghr Ama C{MV n[a` VwV H$aVo h VWm
VmpdH$ Aew H$WZm| go w$ h, Mmho YmoImYS>r `m w{Q> go hAm hmo&
boIm narjH$m| H$m CmaXm{`d
3. hmar boIm narjm Ho$ AmYma na BZ go{H$V {dmr` {ddaUm| na am` A{^`$
H$aZm hmam CmaXm{`d h& hZo AnZr boIm narjm ^maVr` gZXr boImH$ma
gWmZ mam Omar boIm narjmmZH$m| Ho$ AZwgma H$s h& BZ mZH$m| H$s Anojm
h {H$ h Zr{VnaH$ Amd`H$VmAm| H$m nmbZ H$a| Ama {dmr` {ddaU n
VmpdH$ Aew H$WZm| go w$ h, BgHo$ ~mao | gw{MV E`moa|g m{ H$aZo Ho$
{bE `moOZm ~Zm`| Ama CgH$m {ZnmXZ H$a| &
175
/ BANK OF INDIA
5. hmam {dmg h {H$ hmao mam m {H$E J`o boIm narjm gm` n`m h Ama
hmar boIm am` H$mo C{MV AmYma XmZ H$aVo h &
5.
A{^V
Opinion
6. hmar am` Ama A{YH$V OmZH$mar VWm h| {XE J`o n>rH$aU Ama AZwf{J`m|
Ho$ {dmr` {ddaUm| na A` boIm narjH$m| Ho$ {dMma Ho$ AmYma na, `Wm ZrMo
{XE J`o, go{H$V {dmr` {ddaU Am Vma na ^maV | drH$ma {H$E J`o boIm
{gmVm| Ho$ AZw$n ghr Ama C{MV n[a` VwV H$aVo h&
E) go{H$V VwbZ-n Ho$ g~Y | 31 mM, 2014 H$s pW{V Ho$ AZwgma
~rAmoAmB Jyn Ho$ H$m`m] H$s pW{V
~r) Cgr VmarI H$mo gm hE df Ho$ bm^ H$m go{H$V bm^ Ama hm{Z ImVo
H$s pW{V Ama
gr) Cgr VmarI H$mo gm hE df Ho$ ZH$Xr dmh Ho$ go{H$V ZH$Xr dmh
{ddaU H$s pW{V
Emphasis of Matter
7.
~r) {dmr` {ddaU H$s AZwgyMr 18 H$s {Q>nUr H$.11 |, BpQ>Q>yQ> Am$ MmQ>S>
EH$mCQ>oQg Am$ B{S>`m mam AnZo n[an H$. S>rnr~rS>r.~rnr.~rgr/80/
21.4.018/2010-11 {XZmH$ 9 $adar, 2011 Ho$ m` go gmdO{ZH$
jo Ho$ ~H$m| Ho$ {bE noeZ {dH$n {$a go ImobZo hoVw boImH$Z mZH$
15 (n[aemo{YV) H$Mmar bm^ Ho$ mdXmZ bmJy H$aZo go gmO{ZH$ jo Ho$
~H$mo H$mo Ama~rAmB mam Xm Ny>Q> Ho$ AmYma na `Wm 31 mM, 2014
n|eZ Ama CnXmZ hoVw H$e: `442.43 H$amoS> Ama `85.79 H$amoS> H$s
~H$ H$s Xo`Vm Ho$ AmWJZ H$m dUZ {H$`m J`m h&
gr) {dmr` {ddaU H$s AZwgyMr 18 H$s {Q>nUr Z.8 , {Og|, Ama~rAmB
n[an H$. S>r~rAmoS>r.Z.~rnr.~rgr.77/21.04.018/2013-14 {XZmH$
20 {Xg~a, 2013 Ho$ AmYma na 31 mM, 2013 VH$ Am`H$a A{Y{Z`,
1961 H$s Ymam 36 (1) (viii) Ho$ AVJV {deof Ama{jV {Z{Y Ho$ gOZ
na AmW{JV H$a Xo`Vm H$s boImH$Z {H$`m H$m dUZ {H$`m J`m h&
A` mbo
8. hZo {ZZ Ho$ {dmr` {ddaUm| H$s boIm narjm Zht H$s Wr &
E) do AZwf{J`m| {OZHo$ {dmrr` {ddaU `Wm mM, 2014 H$mo Hw$b AmpV`m
({Zdb) `2743.67 H$amoS>, Cgr df H$mo gm df Ho$ {bE Hw$b amOd
`257.67 H$amoS> Ama {Zdb ZH$Xr ~m dmh H$s am{e 128.54 H$amoS>
XemVr h&
c)
Other Matters
8.
176
/ BANK OF INDIA
~r) do g`w$ C {OZH$m {dmr` {ddaU `Wm mM, 2014 H$mo Hw$b AmpV`m
({Zdb) 4908.97 H$amoS>, Cgr df H$mo gm` Hw$b amOd `1589.12
H$amoS> VWm {Zdb ~m dmh `34.71 H$amoS> XemVr h&
gr) Cgr gm df Ho$ {bE ghm`H$ H$n{Z`m yb ~H$ Ho$ {Zdb bm^ H$m
{hgm `255.48 H$amoS> XemVr h &
BZ {dmr` {ddaUm| H$s boIm narjm A` boIm narjH$m| mam H$s JB h, {OZH$s
[anmoQ>] h| ~YZ mam VwV H$s JB h Ama hmar am` Ho$db A` boIm
narjH$m| H$s [anmoQ>m] na AmYm[aV h&
9. h VrZ ghm`H$ H$n{Z`m| Ho$ boIm nar{jV {dmr` {ddaUm| na {Z^a h, Ogm
{H$ h| yb ~H$ Ho$ ~YZ mam CnbY H$am`m J`m h, {OgHo$ AmYma na
`203.65 H$amoS> Ho$ bm^ Ho$ {hgo H$m goH$Z | {dMma {H$`m J`m h&
10. Cn`w$ namJm$ 7 Ama 8 | ~Vm`o J`o mbm| Ho$ g~Y | AnZr am` `$
H$aZm C{MV Zht h&
9.
177
/ BANK OF INDIA
JwUmH$ H$Q>Z
A. goH$Z Ho$ {bE {dMma gyh gWmAm| H$s gyMr
gWm BH$mB H$m Zm/{ZJZ Xoe
hm
hm
ghm`H$
ghm`H$
hm
hm
ghm`H$
ghm`H$
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
hm
ghm`H$
hm
ghm`H$
bmJy Zht
bmJy Zht
hm
g`wV C
hm
Zht
Zht
nyOr nmVm
Com| Ho$ {bE
nyOr o H$Q>mVr
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
178
bmJy Zht
bmJy Zht
/ BANK OF INDIA
(ii)
mmH$ H$Q>Z:
(J) Eogo gyh gWmAm| H$s gyMr Omo goH$Z | em{b h&
gWm H$m Zm/em{b Xoe
gWm H$s w`
J{V{d{Y
~qH$J
~qH$J
~qH$J
~qH$J
~qH$J
gmemoYZ d eo`a
~mOma H$m {ZnQ>mZ
gn{m ~YZ
QQ>rern g{dgog
bmB$ B`moa|g
Hw$b ~bg erQ> B{$Q>r (H$mZyZr BH$mB Hw$b ~b|g erQ> AmpV`m (H$mZyZr
Ho$ boImH$Z VwbZ n | {XE AZwgma) BH$mB Ho$ boImH$Z VwbZ n | {XE
(B{$Q>r+[aOd)
AZwgma)
264.24
359.52
62.99
151.75
63.85
204.88
30.20
61.90
254.61
1910.22
24.41
31.83
H$nZr H$s wI
J{V{d{Y`m
179
/ BANK OF INDIA
Vm{bH$m S>rE$-2
nyOrJV gaMZm
JwUmH$ H$Q>Z
H$. dVmZ VWm ^mdr H$m`-H$bmnmo Ho$ gWZ | AnZr nyOr n`mVm y`mH$Z Ho$
{bE ~H$ Ho$ {>H$moU H$s gjon | {ddoMZm&
A. ~H$ Am$ B{S>`m
~H$ mam OmopI AmYm[aV AmpV AZwnmV (grAmaEAma) H$mo gwb^
nyOr ~ZmZo hoVw g`-g` na AnZr nyOrJV Amd`H$VmAm| H$m {Z`{V
y`mH$Z {H$`m OmVm h& ^{d` | H$mamo~ma d{, nyOrJV Amd`H$VmE,
Zr{V {Xem-{ZX}e, oH$mo Am{WH$ n[a` Ed OmopI jVm, Am{X H$m
`mZ aIZo hoVw nyOrJV `moOZm H$s dm{fH$ AmYma na grjm H$s OmVr h&
g^r OmopIm| H$mo `mnH$ $n go XoIZo hoVw ~H$ Zo AmV[aH$ nyOr n`mVm
y`mH$Z {H$`m (AmBgrEEnr) {dH${gV H$s h&
~. nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$ (AZwfJr)
{dXoer wm `mnma MbmZo Ho$ {b`, WmZr` {d{Z`Z H$m gX^ b|,
~H$ H$s {Q>`a-1 IDR 1 {Q{b`Z H$ go H$ hmoZm Mm{hE&
H$. ~H$ Am$ B{S>`m (VOm{Z`m) {b. (AZwfJr), ~H$ Am$ B{S>`m
(`wJmS>m) {b. (AZwfJr)
n`dojU Co` hoVw ~H$ Am$ VOm{Z`m (~rAmoQ>r) mam H$m`mdV ~mgob g{{V
mam {dH${gV {Xem{ZX}em| na Amh[aV {Z`mo{OV VH$ZrH$ na nyOr n`mVm VWm
{Z`mH$ nyOr H$s {ZJamZr {V{XZ ~H$ Ho$ ~YZ mam H$s OmVr h& Amd`H$
gyMmZm H$mo {Vmhr AmYma na ~H$ Am$ VOm{Z`m mam nyU H$s OmVr h&
~H$ Ho$ {Z`mH$ nyOr Omo BgHo$ ~YZ mam ~{YV h dh Xmo {Q>`a | {d^m{OV
h :
{Q>`a 1 nyOr : - eo`a nyOr, {VYm[aV Am` VWm {VYm[aV Am` Ho$ {d{Z`moOZ
mam {Z{V Ama{j{V`m& {Q>`a-1 nyOr Ho$ n[aH$bZ | nydXm ` Ed
AmWm{JV ^ma H$mQ> {bE OmVo h&
{Q>`a 2 nyOr : - AhVm JmU F$U nyOr, go{H$V j{V^mm VWm {~H$s hoVw
CnbY B{$Q>r {bIVm| Ho$ C{MV y`mH$Z na Am CJmhr&
I. ~H$ Am$ B{S>`m (`yOrbS>) {b. (AZwfJr)
n`dojU Co` hoVw [aOd ~H$ Am$ `yOrbS> (Ama~rEZOoS>) Ho$ {Xem{ZX}em|
na AmYm[aV {Z`mo{OV VH$ZrH$ na nyOr n`mmVm VWm {Z`mH$ nyOr Ho$ `moJ
H$s {ZJamZr {V{XZ ~H$ Ho$ ~YZ mam H$s OmVr h& Amd`H$ gyMZm H$m
H$Q>Z {Vmhr AmYma na gmm` H$Q>Z {ddaU mam {H$`m OmVm h& ~H$ Ho$
~YZ mam ~{YV {Z`mH$ nyOr | Ho$db {Q>`a 1 nyOr em{b h&
{Q>`a 1 nyOr : eo`a nyOr, {VYm[aV Am` VWm {VYm[aV Am` Ho$ {d{Z`moOZ
mam {Z{V Ama{j{V`m&
J.> ~H$ Am$ B{S>`m (~modmZm) {b.
~H$ Ho$ {Z`mH$ nyO r Omo BgHo$ ~YZ mam ~{YV h dh Xmo {Q>`a | {d^m{OV h :
{Q>`a 1 nyOr : eo`a nyOr, {VYm[aV Am` VWm {VYm[aV Am` Ho$ {d{Z`moOZ
mam {Z{V Ama{j{V`m (ghm`H$ Ho$ {bE A~ hm{Z)&
{Q>`a 2 nyOr : AhVm JmU F$U nyOr, go{H$V j{V^mm AWmV mZH$ AmpV`m|
na mdYmZ VWm {~H$s hoVw CnbY B{$Q>r {bIVm| Ho$ C{MV y`mH$Z na
Am CJmhr&
mmH$ H$Q>Z
(~r) F$U OmopI Ho$ {bE nyOr H$s Amd`H$Vm : 28,038 H$amoS>
l mZH$sH$V {>H$moU Ho$ AYrZ nmoQ>$mo{b`mo
l {V^y{VH$aU {Zdoe
(gr) ~mOma OmopI Ho$ {bE nyOr H$s Amd`H$Vm : `1,619 H$amoS>
l
mZH$sH$V Ad{Y {>H$moU:
- `mO Xa OmopI : `881.43 H$amoS>
- {dXoer wm OmopI (dU H$mo em{b H$a) : 305.56 H$amoS>
- B{$Q>r OmopI : `431.82 H$amoS>
(S>r) n[aMmbZ OmopI Ho$ {bE nyOr H$s Amd`H$Vm : 1,905.30 H$amoS>
l yb gHo$VH$ {>H$moU
l mZH$sH$V {>H$moU (`{X bmJy hmo)
(B) H$mZ B{$Q>r {Q>`a 1, VWm Hw$b Ama {Q>`a 1 nyOr AZwnmV : grBQ>r 1
:- (6.99%); Q>r 1 :- (7.42%), Hw$b nyOr AZwnmV 10.21%
l erf go{H$V gyh Ho$ {bE; VWm
l hdnyU ~H$ AZwfJr Ho$ {bE ({H$g H$ma naoIm `w$ H$s JB h,
l CgH$s {Z^aVm na (Q>S> AbmoZ `m Cn-go{H$V)
Vm{bH$m S>rE$-3
F$U OmopI-g^r ~H$m| Ho$ {bE gmm` H$Q>Z
JwUmH$ H$Q>Z
H$) F$U OmopI g{hV gmm` JwUmH$ H$Q>Z H$s Amd`H$Vm {Og|
gp{bV h
l [nN>bo Xo` H$s n[a^mfm VWm Angmm` (boImH$aU Co` hoVw)
1. ~H$ Am$ B{S>`m
~H$, ^maVr` [aOd ~H$ Ho$ {d{Z`mdbr H$m AZwnmbZ H$aVm h, {OgH$m
gmame {ZZ{bpIV h
H$. AZOH$ AmpV`m
EH$ n>m AmpV g{hV EH$ AmpV O~ ~H$ Ho$ {bE Am` O{ZV Zht H$aVr h
V~ dh AZOH$ hmo OmVr h&
AZOH$ AmpV (EZnrE) EH$ Eogm F$U `m A{J h {Og| :
i) r`mXr F$U Ho$ g~Y 90 {XZm| go A{YH$ Ad{Y Ho$ {bE ybYZ H$m
`mO Ama/`m {H$V A{VXo` ahVm h&
ii) EH$ AmodaSmQ>/ZH$Xr F$U (AmoS>r/grgr) Ho$ g~Y |, ZrMo XemE
JE AZwgma A{Z`{V hAm ImVm&
iii) H$` VWm ~>mJV {~b Ho$ mbo | 90 {XZm| go A{YH$ Ad{Y Ho$ {bE
A{VXo` ahZo dmbo {~m&
iv) Anmd{Y $gbm| hoVw Xmo $gbr mgm| Ho$ {bE, A{VXo` ahZo dmbo
ybYZ H$s {H$V AWdm `mm&
v) XrKmd{Y $gbm| hoVw EH$ $gbr mg Ho$ {bE A{VXo` ahZo dmbo
ybYZ H$s {H$V AWdm Cgna `mm&
vi) {XZmH$ 1 $adar, 2006 Ho$ {V^y{VH$aU na {Xem{ZX}em| Ho$ AZwgaU |
{H$gr {V^y{VH$aU boZ XoZ Mb{Z{Y gw{dYm H$s am{e 90 {XZm| go A{YH$
~H$m`m ahVr h Vmo&
180
/ BANK OF INDIA
vii) ~H$
181
/ BANK OF INDIA
/ BANK OF INDIA
| H$m`aV h Omo OmopI ~YZ na ~moS> mam {ZYmaV grmAm| Ho$ AXa ~hX
AmYma na F$U OmopI H$m mnZ, {Z`U VWm ~YZ H$aVm h VWm ~moS>/
Ama H$m/grAmaEgr mam V` OmopI mZXS>m| Ho$ gmW AZwnmbZ gw{Z{V
H$aVm h& hm~YH$ Ho$ AVJV H$m`aV F$U {ZJamZr {d^mJ F$U nmoQ>$mo{b`m|
H$m AZwdVZ H$aVm h, g`mAm| H$s nhMmZ h VWm H${`m| H$mo Xya H$aZo H$m
Cnm` H$aVm h& F$U boImnarjm H$m` mam F$U grjm/F$U boImnarjm H$s
OmVr h&
iii) n[aMmbZ/Umbr/{H$`m
~H$ g{H$` F$U OmopI ~YZ nhb H$aVm h, Ogo F$U XmZ H$aZo Ho$
{bE {ZaVa EH$ mZH$Vm, VwbZ n | em{b Z hmoZodmbr Xm| g{hV g^r
F$U OmopIm| H$m AZwajU VWm boIrH$aU, Amd{YH$ `{$JV ~m`VmYmar
grjm, Amd{YH$ {ZarjU VWm gnm{H$ ~YZ Umbr&
F$U OmopI grm | CmoJ mam ~m`VmYmar grm d gHo$U grm, JmhH$m|
Ho$ {dmr` H$m`{ZnmXZ hoVw Umbr d {H$`m hoVw {ZJamZr VWm grm | ~H$m`m
{Z`U gp{bV h& F$U {dVma hoVw OmM VWm A{Yeof h `Wm F$U drH${V
go F$U OmopI ~YZ H$mo AbJ H$aZm, grAmaEgr mam OmopI {>H$moU
go ZE CnmXm| VWm Umbr H$m nwZarjU, ~h F$U AZwmoXH$, OmopI {ZYmaU
H$aZo H$s Umbr, JmhH$ Ho$ OmopI J|qS>J na AmYm[aV H$sV gw{dYmAm|
H$s Umbr, OmopI {>H$moU go F$U Vmdm| Ho$ nwZarjU hoVw F$U OmopI
y`mH$Z g{{V, F$U {H$`m boImnarjm, drH${V nyd g{dVaU nyd grjm
VWm drH${V nyd grjm Umbr VWm dV boImnarjm d OmopI grjm
H$m` {Zdoem| hoVw Vmd F$U OmopI {dcofU, {dVV y`mH$Z VWm H$
{ZYmaU Ho$ A`YrZ h& doe Va Ho$ mbo |, `yZV H${ZYmaU/JwUdmm
mZH$, CmoJ, n[an$Vm, Ad{Y, {ZJ AZwgma mbo {Zdoem| hoVw {d{ZYm[aV
{H$E JE h {Oggo {H$ VabVm Ho$ OmopI VWm gHo$U Ho$ {dnarV ^md H$mo
H$ H$a gH$Vm h& A` ~H$m| na gH$b OmopI na Ho$r`H$V n[a` XmZ
H$aZo hoVw EH$ C{MV o$dH$ VWm AYdm{fH$ grjm H$s JB h& Xoe Ho$ OmopI
H$m AZwdVZ AYdm{fH$ AmYma na hmoVm h&
OmopI AmpV`m| Ho$ {d{dYVmnyU nmoQ>$mo{b`m| H$m AZwajU {H$`m OmVm h VWm
nmoQ>$mo{b`m| Ho$ {Z`{V {dcofU H$aZo H$s EH$ Umbr h {Oggo {H$ OmopI
gHo$U Ho$ OmopI {Z`U H$mo gw{Z{V {H$`m Om gHo$& AZOH$ A{Jm| Ho$
g~Y | EH$ gVw{bV Zr{V {H$`mJV h& F$U OmopI ~YZ Umbr Ho$ Ama^
g{hV ~YZ gyMZm Umbr (EAmBEg) C{Verb {H$`m J`m h {Oggo
{H$ ~H$ H$s jVmE ~T>oJr VWm VwbZ n | Z AmZodmbr, AmZodmbr g^r
J{V{d{Y`m| Ho$ F$U OmopI H$m ~H$ ~YZ H$aoJm&
6. F$U OmopI ~YZ/`yZrH$aU hoVw {ZZ{bpIV gmYZm| H$m Cn`moJ {H$`m OmVm
h i. F$U AZwmo{XV H$aZodmbm A{YH$mar-A{YH$mam| H$m `m`moOZ
~H$ | ~h Var` OmopI AmYm[aV AZwmo{XV Umbr dmbr gwn>
`m`moOZ A{YH$ma H$s `moOZm h {OgH$s Amd{YH$ grjm H$s OmVr
h Ama H$mamo~ma Ho$ dmVmdaU H$s A{Zdm`Vm H$mo nyam H$aZo Ho$ {bE O~
Ed Ogm Amd`H$ hmoVm h, Cgo gemo{YV {H$`m OmVm h& A{YH$m[a`m|
H$m `m`moOZ CYmaH$VmAm| Ho$ aoqQ>J Ho$ gmW qbH$ H$s hB h Ohm ~ohVa
aoQ>dmbo JmhH$m| H$mo CMVa grm H$s Oyar XoZo H$m A{YH$ma h& {dV
mb` Ho$ AZwgma A{YH$mam| Ho$ `m`moOZ Ho$ {bE {d{^Z emg{ZH$
Vam| | Oyar m{YH$ma Ho$ gmW JmBS>bmBg Ho${S>Q> H${{Q> ~ZmB JB h&
dVmZ |, hm~YH$ Ho$ `m`moOZ A{YH$ma Ho$ nao AmZo dmbo g^r
F$U Vmdm| | JmoMa OmopIm| H$m Am$ gmBQ> y`mH$Z {H$`m OmE&
hm~YH$, OmopI ~YZ {d^mJ( g{{V H$m gX` h {OZHo$ nmg
mm `m bm^ H$m b` Zht h& mV AZw^dm| Ho$ AmYma na, hm~YH$
Ho$ `m`moOZ A{YH$mam| VH$ Ho$ Vmd na {dMma H$aZo Ho$ {bE YmZ
H$m`mb` Va na EH$ Ama g{{V ~ZmB JB h& OoS>Ebgrgr Ama
EZ~rOrEbgrgr | Vmd AZwmoXZ Ho$ {bE AmM{bH$ H$m`mb` | ^r
Eogr g{{V ~ZmB JB h&
ii. {ddoH$nyU grmE
{d{^ H$ma Ho$ CYmaH$VmAm| Ho$ {bE F$U/{Zdoe Ho$ {d{dY nhbwAm| Ogo
EH$b/gyh CYmaH$Vm grmAm| Ho$ g~Y | Cn`w$ {ddoH$nyU grmE h&
iii. OmopI loUr {ZYmaU/y` {ZYmaU
H$mD$Q>a nmQ>u Ho$ {d{^Z OmopI KQ>H$m| Ho$ {bE EH$b {~Xw BS>rHo$Q>aVWm
Ho${S>Q> VWm y` {ZYmaU | ghm`Vm hoVw ~H$ Zo {d{^Z IS>m| | loUr
{ZYmaU mS>b Ama^ {H$`m h&
iv. F$U boIm narjm/F$U grjm `dWm (EbAmaE)
F$U boIm narjm/F$U grjm `dWm F$U ~hr H$s JwUdmm Ho$ bJmVma
y`mH$Z H$aZo Ama F$U ~Y | JwUmH$ gwYma bmZo hoVw EH$ ^mdr
gmYZ h&
v. {dcofU Ho$ m` go g{d^mJ ~YZ
{d{^ F$U nmoQ>$mo{b`m| Ed {Zdoem| H$s gJ gaMZm Ama JwUdmm H$s
{ZJamZr Ho$ {bE EH$ Cn`w$ Umbr hmoZm ^r hdnyU h& Bg Co` go
ewAmV Ho$ {bE ~H$ Zo EH$ gab nmoQ>$mo{b`m| {ZJamZr o$dH$ ma^
{H$`m h& AmJo MbH$a ~H$ Ama A{YH$ n[aH$V nmoQ>$mo{b`m| ~YZ
mS>b V`ma H$aoJm& `10 bmI Ama Bggo A{YH$ dmbo ImVm| | aoqQ>J
mBJoeZ N>mhr {H$`m Om ahm h Ama ~moS> H$mo VwV {H$E OmVo h& Ho${S>Q>
[aH$ ZoO|Q> gmQ>do`a (grAmaEEg) MaU~ n go H$m`mpdV {H$`m
Om ahm h& ~H$ ES>dmg EmoM H$mo drH$ma H$aZo Ho$ {bE V`ma hmo ahm h&
Z. OmopI mnmH$Z
dVmZ | F$U OmopI H$m {ZYmaU OmopI loUr {ZYmaU `{$e Va na
H$aZo Ama nmoQ>$mo{b`mo Va na AmpV`m| Ho$ ^mamH$ Ed OmopI ^mamH$mo Ho$
AmYma na aIr JB nyOr Ho$ m` go {H$`m OmVm h& 31 mM 2008 go ^mdr
ZdrZ nyOr n`mVm o$dH$ (~mgob II) Ho$ AVJV ~H$ Zo mZH$ {>H$moU H$mo
AnZm {b`m h&
M. OmopI [anmo{Q>J Umbr
g^r F$U g~Yr Zr{V`m AZwmoXZ Ho$ {bE C{MV m{YH$mar Ho$ gj VwV
H$aZo go nhbo grAmaEgr (Omo F$U OmopI Ho$ {bE n[aMmbZ Va H$s g{{V
h) mam AZwV H$s OmVr h& C{MV {ZJamZr H$aZo Ho$ {bE {d{^ F$U g~Yr
gyMZmE grAmaEgr H$mo VwV H$s OmVr h&
N>. OmopI grjm
boImnarjm-F$U OmopI ~YZ Umbr Ed gmYZ ^r ^mderbVm gw{Z{V
H$aZo Ho$ {bE AmV[aH$ boIm narjm Ho$ A`YrZ h&
I. nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$ (AZwfJr)
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183
/ BANK OF INDIA
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/ BANK OF INDIA
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/ BANK OF INDIA
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/ BANK OF INDIA
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/ BANK OF INDIA
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/ BANK OF INDIA
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`oH$ EOogr Ho$ {bE {V^y{VH$aU EgnmoOa Ho$ H$ma&
K). ~H$ mam {V^y{VH$V Hw$b ~H$m`m EgnmoOa Ama EgnmoOa H$ma mam
{V^y{VH$aU o$dH$ Ho$ AYrZ
S>). ~H$ mam {V^y{VH$V EgnmoOa Ama {V^y{VH$aU $o dH$ Ho$ AYrZ Ho$ {bE :
i. {V^y{VH$V AZOH$/JVXo` AmpV H$s am{e; Ama
ii. EgnmoOa H$ma mam I{S>V Mmby Ad{Y Ho$ XmamZ ~H$ mam {M{V
hm{Z&
M. EgnmoOa H$ma mam I{S>V aIo JE AWdm IarXo JE {V^y{VH$aU
EgnmoOa H$s Hw$b aH$
N>. aIo JE AWdm IarXo JE {V^y{VH$aU EgnmoOa H$s Hw$b aH$ Omo AWnyU
g`H$ OmopI ^m[aVm ~S> | I{S>V {H$E JE h& EgnmoOa {Ogo {Q>`a-I go
nyUV: KQ>m`m J`m h, Hw$b nyOr go Ho${S>Q> ~T>mZo H$m AmB/Amo KQ>m`m J`m h
Ama Hw$b nyOr go KQ>m`o JE A` EgnmoOa H$m AV{Z{hV EgnmoOa H$ma
mam nWH$ $n go H$Q>Z {H$`m OmE&
O. VwbZ n Ho$ boIm {Q>nUr Ho$ {hgo Ho$ $n | {V^y{VH$aU J{V{d{Y H$s Xmo
dfm] H$s VwbZmH$ pW{V H$m gma {X`m OmE :
i. {V^y{VH$V F$U AmpV`m| H$s Hw$b g`m Ama ~hr y`-AV{Z{hV
AmpV`m| Ho$ H$ma mam;
ii. {V^y{VH$V AmpV`m| Ho$ {bE mV {~H$s am{e Ama {V^y{VH$aU Ho$
ImVo H$s {~H$s go mV bm^/hm{Z; Ama
iii. Ho${S>Q> d{, Mb{Z{Y ghm`Vm, {V^y{VH$aU Ho$ nMmV AmpV g{dqgJ
B`m{X mam {XE JE godm H$m H$ma Ama mm (~H$m`m y`)
gr : ~H$ Am$ B{S>`m (VOm{Z`m) {b. Ama ~H$ Am$ B{S>`m (`yOrbS>)
{b. VWm ~H$ Am$ B{S>`m (`wJmS>m) {b. Ama ~H$ Am$ B{S>`m
(~mo>dmZm) {b.(ghm`H$ H$n{Z`m)
bmJy Zht
mmH$ H$Q>Z
E : ~H$ Am$ B{S>`m bmJy Zht
~r : nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$ (AZwfJr)
ey`
gr : ~H$ Am $ B{S>`m (VOm{Z`m) {b. Ama ~H$ Am $ B{S>`m (`yOrbS>)
{b. (AZwfJ r), ~H$ Am $ B{S>`m (`wJmS>m) {b. Ama ~H$ Am $ B{S>`m
(~moQ>dmZm) {b.
bmJy Zht
Vm{bH$m S>rE$-7
~mOma OmopI
boZ-XoZ ~hr | ~mOma OmopI
JwUmH$ H$Q>Z :
(H$) mZH$ {>H$moU | em{b nmoQ>$mo{b`m| H$mo em{b H$aVo hE ~mOma OmopI hoVw
gmm` JwUmH$ H$Q>Z Amd`H$Vm
E ~H$ Am$ B{S>`m
boZ-XoZ ~hr | ~H$ {Zdoem| Ho$ boZ-XoZ hoVw Ym[aV (EME$Q>r) Ed {~H$s hoVw
189
/ BANK OF INDIA
(i)
CnbY (EE$Eg) nmoQ>$mo{b`m| H$mo Ym[aV H$aVm h& eof AmpV`m|- AWmV
n[an$Vm hoVw Ym[aV nmoQ>$mo{b`m| Ama A{Jm| Ho$ AVJV {Zdoem| H$mo ~qH$J ~hr
Ho$ $n | mZm OmVm h& ZrMo ~mOma OmopI ~YZ `moOZ Ed Zr{V`m| H$m
g{j `moam {X`m J`m h&
H$m`Zr{V`m Ed {H$`mE :
~mOma OmopI ~YZ Ho$ AVJV VabVm OmopI, `mO Xa OmopI, {dXoer
{d{Z` OmopI Ed B{$Q>r H$sV OmopI H$s {ZJamZr H$s OmVr h& ~H$
dVmZ | {Og (H$m{S>Q>r) | boZ-XoZ Zht H$a ahm h&
VabVm OmopI
VabVm OmopI H$s {ZJamZr Ho$ {bE Jn {dcofU H$m nm{jH$ AmYma na
AZwnmbZ {H$`m OmVm h& g`r Jn go gM`r AmCQ>bmo H$m {VeV {ZH$mbZo
Ho$ {bE yS|>{g`b grm H$m Cn`moJ {H$`m OmVm h- 28 {XZm| VH$ Ho$ Anmd{Y
~Ho$Q> Ho$ {bE ^maVr` [aOd ~H$ Ho$ {ZX}em| Ho$ A`YrZ {ZJamZr H$s OmVr h&
BgHo$ A{V[a$, yS|>{g`b grmE ~mOma CYma X{ZH$ Ed AmgV H$mb CYma,
AmVa ~H$ Xo`VmE, IarXr J`r Zr{Y`m Am{X Ho$ {bE H$m H$aVr&
D$Mo y` H$s EH$wV Omam{e`m| H$s {ZJamZr gmm{hH$ AmYma na H$s OmVr
h& Anmd{Y S>m`Zm{H$ VabVm {ddaUr VabVm pW{V H$m AmH$bZ H$aZo
Ho$ {bE nm{jH$ AmYma na V`ma H$s OmVr h Omo `dgm` d{ H$mo `mZ |
aIH$a MbVr h& EH$ AmH$pH$ {Z{Y `moOZm VmH$m{bH$ Amd`H$VmAm| H$mo
nyam H$aZo Ho$ {bE V`ma H$s J`r h& `moOZm H$m {Vmhr AmYma na narjU {H$`m
OmVm h& ~H$ H$mo g^m{dV ZwH$gmZ H$m AmH$bZ H$aZo Ho$ {bE {Vmhr AmYma
na Qog narjU ^r {H$`m OmVm h& `h Eogr pW{V | O~ H$moB VabVm g~Yr
VH$br$ hmo Ama `{X {Z{Y`m AmH$pH$VmAm| H$mo nyam H$aZo Ho$ {bE ~mOma
go CR>mB OmZr hm|&
`mO Xa OmopI
{nN>bo 12 mh Ho$ XmamZ Ed AJbo {dmr` df VH$ ~H$ H$s {Zdb `mO Am`
na ^md H$m AmH$bZ H$aZo Ho$ {bE Jon {dcofU Cn`moJ | {b`m OmVm h&
~H$ Ad{Y Jon {dcofU H$mo ^r Cn`moJ | boVm h& Xo`VmAm| H$s Ad{Y Ho$
{bE yS|>{g`b grmE {Z`V H$s J`r h& ~H$ Ho$ {Zdoe nmoQ>$mo{b`m| H$s Ad{Y
AmYma na {ZJamZr H$s OmVr h&
EgEbAma Ed Ja EgEbAma (Xoer`) yS|>{g`b grmAm| Ho$ AVJV {XZm{H$V
{V^y{V Ho$ {bE drEAma n{V AnZm`r OmVr h& drEAma Ho$ {bE yS|>{g`b
grm `h {Z`V H$s J`r h Ed X{ZH$ AmYma na {ZJamZr H$s Om ahr h Ed
C ~YZ H$mo [anmoQ> H$s Om ahr h& {XZm{H$V {V^y{V`m| | {dXoer {Zdoe
gmm`V`m hO {H$E OmVo h Ed `mO Xa OmopI {ZZV h& {dXoer wm
{d{Z` | ^r drEAma grm Zr`V H$s JB h&
Qog Q>opQ>J | B{$Q>r Ho$ Am{WH$ y` na ^md H$m AmH$bZ 200 ~ogog nmBQ>
mam ~mOma Xa | n[adVZ H$m gmH$ bJmH$a {H$`m OmVm h&
{dXoer {d{Z` OmopI
~H$ Zo `yEgS>r Ho$ gmW A` wmAm|| EJrJoQ> Jn {b{Q> {Z`V H$s h & ~H$
Ho$ {d{^ wmAm| | {dXoer {d{Z` EgnmoOa Ho$ {bE A{YH$V So>bmBQ> Ed
AmodaZmBQ> EgnmoOa {Z`V {H$`m h& hZo Ad{Y dma B{S>{dOwAb H$a|gr
dmBg Jn {b{Q> ^r {Z`V H${`m h BgHo$ Abmdm, ZwH$gmZ amoH$ grm, bm^
grm boZm Ed EH$b `dhma grmE S>rbam| Ho$ $moaog n[aMmbZm| na {ZJamZr
aIZo Ho$ {bE ~Zm`r J`r h&
ZoQ> AmonZ nmoOreZ hoVw yS|>{g`b grm {Z`V H$aHo$ So>[ado{Q>d g`dhma H$s
{ZJamZr H$s OmVr h Ama ~H$m`m So>[ado{Q>d na nrdr 01 H$m Ho$n aIm OmVm h&
B{$Q>r H$sV OmopI
~H$ H$s dXoer {Zdoe Zr{V Ho$ B{$Q>r S>rbam| Ho$ {bE ZwH$gmZ amoH$ grmE
{Z`V H$s h& H$mofmJma, A{YH$V {Zdoe grm B{$Q>r g{d^mJ ( QoqS>J)
Ho$ {bE YmaU Ad{Y H$s X{ZH$ grm CV ~YZ H$mo X{ZH$ AmYma na
g`dhmam| Ed bm^ H$s [anmo{Q>J H$s OmVr h&
ii
)
( ~mOma OmopI ~YZ H$m` H$m T>mMm Ed gJR>Z
OmopI ~YZ ~moS> gMm{bV H$m` h {Ogo VrZ Vam| na gnmoQ> {H$`m OmVm h:
XoI^mb H$aZo Ed {ZX}e Omar H$aZo Ho$ {bE ~moS> H$s OmopI ~YZ g{{V,
Ohm H$ht Amd`H$ hmo/OmopI ~YZ Zr{V`m Am{X AZwmo{XV H$aZo Ho$ {bE
AmpV Xo`Vm ~YZ g{{V (EEbgrAmo) Omo Zr{V {df`m| na {dMma H$aVr h
Ed EEbE H$j Ho$ gmW OrZr Va na gnmoQ> XmZ H$aVr h& AmpV Xo`Vm
~YZ g{{V`m {dXoer Ho$m| | ^r n[aMmbZ | h&
(iii) OmopI [anmo{Q>J H$m H$mon Ed H${V Ama/AWdm mnmH$Z Umbr
dXoer H$mamo~ma Ho$ g~Y | ~mOma OmopI H$m ~YZ H$aZo Ho$ {bE ^maVr`
[aOd ~H$ mam {ZYm[aV {Xem{ZX}em| H$m nmbZ {H$`m OmVm h - Ogo {H$ m{gH$
AmYma na `mO Xa gdoXZerbVm {ddaU V`ma {H$`m OmZm-X{ZH$ AmYma
na boZ-XoZ ~hr | {Zdoem| H$m Ad{Y {dcofU-X{ZH$ AmYma na drEAma
boZ-XoZ ~hr {Zdoe B{$Q>r nmoQ>$mo{b`m| H$mo N>moS>H$a-{Vmhr AmYma na VabVm
OmopI/~mOma OmopI Ho$ {bE Qog narjU H$aZm, dXoer VwbZ n H$m
Ad{Y {dcofU Ama B{$Q>r Ho$ Am{WH$ y` na {Vmhr AmYma na ^md na
grjm H$s OmVr h Ama EEbgrAmo mam H$mnm}aoQ> Va na {Vmhr AmYma na
grjm H$s OmVr h&EEbgrAm| mam m{gH$ AmYma na `mO Xa gdoXZerbVm
H$s gdoXZm H$s OmVr h&
~mOma CYma boZ-XoZ Ho$ g~Y | ^maVr` [aOd ~H$ Ho$ {XemZX}em| Ho$ AZw$n
VabVm OmopI H$s {ZJamZr Ho$ {bE {d{^ yS|>{gEb Cnm` {H$E JE h&
m{gH$ AmYma na T>mMmJV VabVm {ddaUr V`ma H$s OmVr h Ama nm{jH$
AmYma na Anmd{Y S>m`Z{H$ VabVm {ddaUr V`ma H$s OmVr h Ama CM
~YZ EEbgrAm| H$mo [anmoQ> H$s OmVr h& AVam>r` n[aMmbZm| H$s T>mMmJV
VabVm H$mnm}aoQ> Va na {Vmhr AmYma na H$s Om ahr h&
Qog narjU Ed B{$Q>r Ho$ Am{WH$ y` na ^md H$m n[aUm EEbgrAmo H$mo
[anmoQ> {H$`m OmVm h& boZ-XoZ ~hr pW{V Ad{Y Ed drEAma X{ZH$ AmYma
na CV ~YZ H$mo [anmoQ> {H$`m OmVm h&
(iv) hqOJ/AWdm OmopI H$ H$aZo Ho$ {bE Zr{V`m :
AmpV Xo`Vm ~YZ Ed ~mOma OmopI ~YZ go g~{YV {dVV Zr{V`m| H$m
H$m`md`Z hmo ahm h Omo ~mOma OmopI H$s {ZJamZr Ho$ {bE {d{^ aUZr{V`m|
Ed {H$`mAm| na {dVma go H$me S>mbVr h&
~r nrQ>r ~H$ Am$ B{S>`m BS>moZo{e`m Q>r~rHo$ (AZwfJr )
dm{Up`H$ ~H$ Ho$ {bE `yZV nyOr n`mVVm Amd`H$Vm go g~{YV ~H$
BS>moZo{e`m Ho$ {d{Z`Z g`m 14/18 nr~rAmB/2012 {XZmH$ 28 Zd~a 2012
Ho$ AZwgma, nyOr n`mVVm AZwnmV ( grEAma) Ho$ n[aH$bZ hoVw ~mOma OmopI
Ho$ mnZ Ho$ {bE A{Zdm` loUr | ~H$ em{b Zht h& `h Bg{bE h {H$ ~H$
{dXoer {d{Z` ~H$ h {OgHo$ QoqS>J ~wH$ | {V^y{V`m| Ama Adm So>[a{d{Q>d
g`dhma Ho$ $n | {dVr` {bIV AmBS>rAma 20 {~{b`Z ( `yEgS>r 1.7
{{b`Z AZwm{ZV) go H$ H$s aH$ h&
190
/ BANK OF INDIA
`mOXa OmopI
B{$Q>r pW{V OmopI Ed
{dXoer {d{Z` OmopI
861.42 H$amoS>
413.41 H$amoS>
` 305.57 H$amoS>
`
Vm{bH$m S>rE$-8
n[aMmbZmH$ OmopI
JwUmH$ H$Q>Z
l
gmYmaU JwUmH$ H$Q>Z Anojm Ho$ A{V[a$ {OgHo$ {bE ~H$ AhVm m h
Cg n[aMmbZ OmopI nyOr {ZYmaU hoVw ~H$ H$m (Ho$) Vmd&
E ~H$ Am$ B{S>`m
~H$ OmopI ~YZ H$s gdm}H$Q> {H$`m AnZmVm h& ~H$ H$mamo~ma H$s
{d{^ n{V`m| Ho$ VhV gV Am{WH$ CnmXm|, {H$`mAm| Ama Um{b`m| Ho$
n[aMmbZ OmopI H$m gVV {ZYmaU Ama A{^{ZYmaU H$aVm h& gV Z`o
CnmX, J{V{d{Y`m Ama Um{b`m nhbo Z`m CnmX gyh Ama {$a n[aMmbZ
OmopI ~YZ g{{V (grAmoAmaE) Ho$ m` go H$m`mpdV hmoVr h& g^r
Zr{V`m ~moS> H$s OmopI ~YZ g{{V ( Ama.H$m) mam Oyar {XE OmZo Ho$
~mX hr ~moS> mam AZwmo{XV H$s OmVr h w` OmopI A{YH$mar, AmaH$m
Ho$ {ZXoem| H$mo H$m`mpdV H$aVo h Ama {XZ-{V{XZ Ho$ n[aMmbZ JV OmopI
/ BANK OF INDIA
CmaXm{`d | {ZZ{bpIV jom| | ghm`H$ h :l g`dhma Ho$ dV m{YH$ma g{hV H$m` Ho$ C{MV nW$aU H$s
Amd`H$Vm;
l g`dhma Ho$ gmYmZ Ed {ZJamZr H$s Amd`H$Vm;
l {Z`mH$ Ed A` {d{YH$ Amd`H$VmAm| g{hV AZwnmbZ;
l {Z`U Ed {H$`m H$m boIrH$aU;
l hgyg {H$E JE n[aMmbZmH$ OmopIm| Ho$ {ZYmaU H$s Amd`H$Vm VWm
nhMmZ {H$E JE OmopIm| H$m `mZ aIZo Ho$ {bE {Z`U Ed {H$`m H$s
n`mVm;
l n[aMmbZmH$ hm{Z H$s [anmo{Q>J Ed Vm{dV {ZdmaUmH$ H$madmB H$s
Amd`H$Vm;
l AmH$pH$Vm `moOZm H$m {dH$mg;
l {ejU Ed `mdgm{`H$ {dH$mg;
l Z{VH$ Ed H$mamo~ma mZH$;
l
OmopI H$r g{hV ~rm, Ohm `h ^mdr h&
Vm{bH$m S>rE$ 9
~qH$J ~hr | `mO Xa OmopI (AmBAmaAma~r~r)
JwUmH$ H$Q>Z
(H$) gmYmaU JwUmH$ H$Q>Z Anojm | AmBAmaAma~r~r Ama wI YmaUmAm| Ho$
F$U ^wJVmZ Ama A-n[an$ Om H$m n[aMmbZ g~Yr YmaUmAm| H$m d$n
VWm AmBAmaAma~r~r mnmH$Z H$s {$|$gr em{b h&
E ~H$ Am$ B{S>`m
~qH$J ~hr | `mO Xa OmopI H$s Am Vma na {Vmhr AmYma na JUZm
H$s OmVr h& ~qH$J ~hr | n[an$Vm hoVw Ym[aV (EMQ>rE) g{d^mJ | YmaU
{H$E g^r A{J Ama {Zdoe gp{bV h&
H$m`Zr{V Ama Um{b`m/gaMZm Ama gJR>Z/OmopI [anmo{Q>J g~Yr `m{
Ama d$n/Zr{V`m| Am{X dhr h Omo Q>o~b S>rE$-8 Ho$ VhV [anmoQ> H$s JB
h&
AmBAmaAma~r~r oOa|Q> H$s Umbr Ama wI YmaUmE {ZZmZwgma h;
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A{Jm| VWm Om am{e`m|, Omo ~H$ H$m 100% H$mamo~ma H$da H$aVr h, H$s
eof n[an$Vm na ZoQ>dH$ H$s emImAm| go m m{gH$ gyMZm Ho$ AmYma na
{d{^ g` ~Ho$Q> Ho$ gmW `mO Xa gdoXZerb Ama {d{^ AmpV`m|
d Xo`VmAm| H$s eof n[an$Vm H$mo `mZ | boVo hE gdoXZerbVm {ddaU
V`ma {H$`m OmVm h&
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n[an$Vm {XZmH$ Ho$ $n | Ed AmgV m{ H$mo Hy$nZ Ho$ $n | VWm
^wZmB `moOZ Ho$ {bE ~mOma Xa H$mo boH$a n[aMm{bV H$s OmVr h& {Zdoem|
Ho$ {bE, dmV{dH$ Ad{Y br OmVr h, Ogm {H$ S>mQ>m gnyU `moam| g{hV
CnbY ahVm h& {Zdoem| Ho$ g~Y | Bg `moJ Ho$ {bE EE$Eg Ed
EME$Q>r g{d^mJm| H$mo AbJ aIm OmVm h, Ogm {H$ ~qH$J ~hr | AmB
Ama Ama na `mZ Ho${V {H$`m OmVm h&
l C$ Ho$ Cn`moJ go, `oH$ ~Ho$Q> Ho$ {bE Xo`VmAm| Ama AmpV`m| H$s
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Ho$ {bE CZHo$ y` na ^md mZm OmVm h& Cg| OmoS>H$a {Zdb pW{V
n[aH${bV H$s OmVr h Vm{H$ `h gw{Z{V {H$`m Om gHo$ {H$ y` |
gH$mamH$ d{ h `m A`Wm
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Mm{bV hmoVm h&
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em| Ho$ AZwgaU | Qog narjU na {d^m{OV {H$`m OmVm h&
Am Vma na, ~H$ AmBAmaAma~r~r H$s JUZm H$aVo g` Hy$nZ Xa/^wZmB Xa
H$m M`Z/n[an$Vm VmarI Ho$ $n | `oH$ Q>mB ~Ho$Q> Ho$ `q~Xy, H$mo boZm
Am{X g{hV [aOd ~H$ Ho$ VZmd narjm g~Yr {Xem{ZX}em| H$m nmbZ H$aVm h&
~rnrEbAma A{Jm|/~og aoQ> Ho$ nwZy` {ZYmaU H$mo Cgo 6 mh Ho$ ~Ho$Q> |
{b`m J`m h&
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B{S>`m (VOm{Z`m) {b., ~rAmoAmB (`y{ObS>) {b. (AZwfJr) VWm
~rAmoAmB (`wJmS>m) {b.
~H$ AnZr {dmr` pW{V Ed ZH$Xr dmh na ~mOma `mO Xam| Ho$ dVmZ Vam|
| ApWaVm Ho$ ^md g{hV em{b {d{^ OmopIm| go `w$ h& ~mOma d{m |
n[adVZ Ho$ gmW-gmW ~H$ H$mo Om am{e`m|, F$U Ed A{Jm| na `mO Xa |
gemoYZ H$aZo H$m {ddoH$m{YH$ma h& BZ Cnm`m| Ho$ H$maU ~H$ Ho$ `mO Xa OmopI
H$m jo H$ hmoVm h&
mmH$ H$Q>Z
AmBAmaAma~rdr mnZo Ho$ {bE ~YZ H$s Umbr Ho$ AZwgma CdwIr Ama
AYmowIr aoQ> emH$ Ho$ {bE CnmOZ Ama Am{WH$ y` (AWdm ~YZ mam `wV
g~ Cnm`) | d{ (mg), wm mam I{S>V (Ohm Hw$b n`mdV Ho$ 5% go
A{YH$ n`mdV hmoVm h)
~qH$J ~hr | `mO Xa OmopI ( ~rAmoAmB gmobmo)
Hw$b
192
/ BANK OF INDIA
V{bH$m S>rE$ 10
{Vnjr F$U OmopI go g~{YV EgnmoOa Ho$ {bE gmm` H$Q>Z
H$) ~H$ VwbZ n H$s Xm| Ho$ gmW {Vnjr H$mamo~ma Ho$ Co` go hqOJ Ho$ {bE
`wnZ CnmXm| H$m `moJ H$aVm h& `wnZ n[aMmbZ Ho$ OmopI ~YZ Ho$
erf | d[aR> H$m`nmbH$ ahVo h Omo CM ~YZ H$mo [anmoQ> H$aVo h, `h bmBZ
H$m`m] go dV h& QoqS>J H$s pW{V XZ{XZ AmYma na ~mOma y` H$mo ~hr |
A{H$V {H$`m OmVm h (mH$S> Qy> mH}$Q> )OmopI ~YZ {d^mJ mam `wnZ
Zr{V ~ZmB OmVr h {Og| F$U OmopI Ama ~mOma OmopI H$mo AmH$Zm em{b
h&
VwbZ n ~YZ Ho$ {bE hO gd`dhma {H$`m OmVm h OmopIm| Ho$ ghr [anmo{Q>J
Ama {ZJamZr Ho$ {bE C{MV Umbr h& h{OJ H$s Zr{V Ama CgH$s {ZJamZr
H$s {H$`m ^r h& hO VWm Ja-hO gd`dhmam| H$mo [aH$mS> H$aZo Ho$ {bE
boImH$Z Zr{V h {Og| Am`,r{` Ama Ny>Q> H$m {ZYmaU em{b h& ~H$m`m
g{dXm,mdYmZrH$aU,gm{H$ Ama OmopI `yZrH$aU H$m y`mH$Z {H$`m
Om ahm h& H$aQ> EgnmoOa oWmoS>mobOr (grBE) Ho$ AZw$n Ho${S>Q> gVw`
AWdm n[aH${bV H$s JB h& g^m` EgnmoOa H$m n[aH$bZ Ho${S>Q> H$ZdOZ
$Q>a Ho$ gmW H$pnV ybYZ H$mo JwUm H$aHo$ {H$`m OmVm h& {VWmnZ bmJV
gH$mamH$ ~mOma y` h& Mmby EgnmoOa {VWmnZ bmJV Ho$ gmZ h&
Ho${S>Q> gVw` AWdm BES>r g^m` EgnmoOa Ama Mmby EgnmoOa H$m OmoS>
h&
JwUmH$ H$Q>Z
I) g{dXmAm| H$m gH$b gH$mamH$ C{MV y`,bm^ H$s {Zdb am{e, Mmby F$U
EgnmoOa H$s {Zdb am{e, Ym[aV gnm{H$ (H$ma g{hV `Wm ZH$Xr,gaH$mar
{V^y{V`m Am{X) Ama {Zdb `wnZ F$U EgnmoOa & Bg| MyH$ dmbo
EgnmoOa Ho$ {bE Cnm` H$s [anmoQ> AWdm grBE Ho$ VhV EgnmoOa am{e ^r
h& F$U `wnZ hoO H$s H$pnV ey` Ama F$U EgnmoOa Ho$ ^ma mam Mmby
F$U EgnmoOa H$m {dVaU&
wm {dH$n
H$mg grgrdmB `mO Xa dn
dm`Xm Xa H$ama
`mO Xa ^{d`
F$U MyH$ dn
EH$b grgrdmB `mO Xa dn
Hw$b
193
H$pnV aH$
Mmby F$U
EgnmoOa
({{b`Z | ) ({{b`Z | )
186.02
84.00
5,130.07
373.64
183,084.50
474.30
188,400.59
931.94
Ho${S>Q> gVw`
({{b`Z | )
99.59
869.10
3,051.19
4,019.87
/ BANK OF INDIA
CnwV am{e
63,095.49
23,537.37
163,327.01
617.41
250,577.28
253.37
44.29
5282.20
5282.20
gX^ g
(E)
/ BANK OF INDIA
~mgob III gmm` H$Q>Z Q>oboQ> {OZH$m `moJ {d{Z`mH$ gm`moOZ | n[adVZ Ho$ XmamZ {H$`m
OmEJm (AWmV 1 Ab 2014 go 31 {Xg~a 2017 VH$ )
CXmhaU Ho$ {bE: EE$Eg F$U {V^y{V`m| na AmV hm{Z`m| H$mo {$Q>a {H$`m OmZm (^maVr` n[ao` | H$moB
g~Y Zht)
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a|]
{Og| go : [gm`moOZ Ho$ H$ma H$s {d{> H$a|]
27 H$Q>m{V`m| H$mo nyam H$aZo Ho$ {bE An`mV A{V[aV {Q>`a 1 Ama {Q>`a 2 Ho$ H$maU gmm` B{$Q>r {Q>`a 1 na
bJmE JE {d{Z`mH$ gm`moOZ
28 gmm` B{$Q>r {Q>`a 1 | Hw$b {d{Z`mH$ gm`moOZ
29 gmm` B{$Q>r {Q>`a 1 nyOr (grBQ>r1)
A{V[aV B{$Q>r {Q>`a 1 nyOr: {bIV|
30 `j Omar gmnoj A{V[aV {Q>`a 1 {bIV| Ho$ gmW g~{YV Q>mH$ A{Yeof (31+32)
31 {Og| go: bmJy boImH$Z mZH$mo Ho$ VhV B{$Q>r Ho$ $n | dJuH$V (~or`mXr F$U {bIV)
32 {Og| go: bmJy boImH$Z mZH$ Ho$ VhV Xo`VmAm| Ho$ $n | dJuH$V (~or`mXr F$U {bIV)
33 A{V[aV {Q>`a 1 go o$O AmCQ> Ho$ AYrZ `j Omar nyOr {bIV|
34 AZwf{J`m| mam Omar Ama VVr` nj mam Ym[aV A{V[aV {Q>`a 1 {bIV| (Ama grBQ>r 1 {bIV Omo amo 5 |
em{b Zht) (Jyn EQ>r 1 | AZwV aH$)
35 {Og| go: AZwf{J`m| mam Omar {bIV| Omo o$O AmCQ> Ho$ AYrZ h&
36 {d{Z`mH$ gm`moOZ Ho$ nyd A{V[aV {Q>`a 1 nyOr
A{V[aV {Q>`a 1 nyOr : {d{Z`mH$ gm`moOZ
37 d` Ho$ A{V[aV {Q>`a 1 {bIVm| | {Zdoe
38 A{V[aV {Q>`a 1 {bIVm| | nman[aH$ H$mg Ym[aVm
39 {d{Z`mH$ goH$Z H$s n[a{Y go ~mha ~qH$J, {dVr` Ama ~rm gWmAm| Ho$ nyOr | {Zdoe, nm A{Y{dH$`
H$s pW{V H$m gm`moOZ Ohm gWm mam Omar gmm` eo`a nyOr Ho$ A{YH$V 10% H$m dm{d ~H$ H$m h
(10% WoghmoS> go A{YH$ am{e)
40 {d{Z`mH$ goH$Z H$s n[a{Y Ho$ ~mha ~qH$J, {dVr` Ama ~rm gWmAm| H$s nyOr | hdnyU {Zdoe (nm
A{Y{dH$` pW{V H$mo KQ>mH$a )
41 amQr` {Z{XQ> {d{Z`mH$ gm`moOZ (41E+41~r)
41E Ago{H$V ~rm AZwf{J`mo Ho$ A{V[aV {Q>`a 1 nyOr | {Zdoe
41~r ~H$ | go{H$V Z {H$E JE ~hbme dm{d dmbo {dVr` gWmAm| Ho$ A{V[aV {Q>`a 1 nyOr | H$r&
nyd-~mgob III `dhma Ho$ AYrZ aH$ Ho$ g~Y | A{V[aV {Q>`a 1 na bJmE JE {d{Z`mH$ gm`moOZ
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a| `Wm S>rQ>rE]
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a| dVmZ gm`moOZ]
Omo {Q>`a 1 go 50% na H$Q>mVr H$s OmVr h)
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a|]
42 H$Q>m{V`m| H$mo nyam H$aZo Ho$ {bE An`mV {Q>`a 2 Ho$ H$maU A{V[aV {Q>`a 1 | bJmE JE {d{Z`mH$
gm`moOZ
43 A{V[aV {Q>`a 1 nyOr na Hw$b {d{Z`mH$ gm`moOZ
44 A{V[aV {Q>`a 1 nyOr (EQ>r1)
44E nyOr n`mVVm Ho$ {bE mZm J`m A{V[aV {Q>`a 1 nyOr
45 {Q>`a 1 nyOr (Q>r1 = grBQ>r1 + EQ>r1) (29 + 44E)
{Q>`a 2 nyOr: {bIVo Ed mdYmZ
46 `j Omar nm {Q>`a 2 {bIVm| Ho$ gmW g~{YV Q>mH$ A{Yeof
47 {Q>`a 2 go o$O AmCQ> Ho$ AYrZ `j Omar nyOr {bIV
48 AZwf{J`m| mam Omar Ama VVr` nj mam Ym[aV (Jyn {Q>`a 2 [ AZwV am{e) {Q>`a 2 {bIVo (Ama amo 5
AWdm 34 | em{b Z {H$E JE grBQ>r 1 Amoa EQ>r 1 {bIV|)
195
CnwV am{e
5579.86
244997.30
21,897.70
21,897.70
1,004.72
443.97
5,393.01
1,013.47
4,379.54
6,841.70
15,056.10
15,056.10
260,053.42
15,000.00
58,995.36
gX^ g
/ BANK OF INDIA
~mgob III gmm` H$Q>Z Q>oboQ> {OZH$m `moJ {d{Z`mH$ gm`moOZ | n[adVZ Ho$ XmamZ {H$`m
OmEJm (AWmV 1 Ab 2014 go 31 {Xg~a 2017 VH$ )
49
50
51
52
53
54
55
56
56E
56~r
57
58
58E
58~r
58gr
59
60
60E
60~r
60gr
61
62
63
64
65
66
67
68
{Og| go: o$O AmCQ> Ho$ AYrZ AZwf{J`m| mam Omar {bIV|
mdYmZ
{d{Z`mH$ gm`moOZ Ho$ nhbo {Q>`a 2 nyOr
{Q>`a 2 nyOr: {d{Z`mH$ gm`moOZ
AnZo {Q>`a 2 {bIVm| | {Zdoe
{Q>`a 2 {bIVm| | nman[aH$ H$mg-Ym[aVm
{d{Z`mH$ goH$Z H$s n[a{Y go ~mha ~qH$J, {dVr` Ama ~rm gWmAm| Ho$ nyOr | {Zdoe, nm A{Y{dH$`
H$s pW{V H$m gm`moOZ Ohm gWm mam Omar gmm` eo`a nyOr Ho$ A{YH$V 10% H$m dm{d ~H$ H$m
h(10% WoghmoS> go A{YH$ am{e)
{d{Z`mH$ goH$Z H$s n[a{Y Ho$ ~mha ~qH$J, {dVr` Ama ~rm gWmAm| H$s nyOr | hdnyU {Zdoe (nm
A{Y{dH$` H$s pW{V H$mo KQ>mH$a )
amQr` {Z{XQ> {d{Z`mH$ gm`moOZ (56E+56~r)
{Og| go: Ago{H$V AZwf{J`m| Ho$ {Q>`a 2 nyOr | {Zdoe
{Og| go: ~H$ | go{H$V Z {H$E JE ~hbme dm{d dmbo {dVr` gWmAm| Ho$ A{V[aV {Q>`a 2 nyOr |
H$r&
nyd ~mgob III `dhma Ho$ AYrZ aH$ Ho$ g~Y | {Q>`a 2 na bJmE JE {d{Z`mH$ gm`moOZ
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a| `Wm dVmZ gm`moOZ Omo 50% na {Q>`a 2 go H$Q>mVr H$s
Om ahr h]
{Og| go: [gm`moOZ Ho$ H$ma H$s {d{> H$a|]
{Q>`a 2 nyOr | Hw$b {d{Z`mH$ gm`moOZ
{Q>`a 2 nyOr (Q>r 2)
nyOr n`mVVm Ho$ {bE mZm J`m {Q>`a 2 nyOr
Egog A{V[aV {Q>`a 1 nyOr {Ogo {Q>`a 2 nyOr mZm OmVm h&
nyOr n`mVVm Ho$ {bE drH$m` Hw$b {Q>`a 2 nyOr (58E+ 58~r)
Hw$b nyOr (Q>rgr = Q>r1 + Q>r2) (45 + 58gr)
nyd ~mgob III `dhma Ho$ AYrZ aH$ Ho$ g~Y | OmopI ^m[aV AmpV`m
{Og| go: gm`moOZ Ho$ H$ma H$s {d{> H$a|
{Og| go:
Hw$b OmopI ^m[aV AmpV`m (60E + 60~r + 60gr)
{Og| go: Hw$b F$U OmopI ^m[aV AmpV`m
{Og| go: Hw$b ~mOma OmopI ^m[aV AmpV`m
{Og| go: Hw$b n[aMmbZ OmopI ^m[aV AmpV`m
nyOr AZwnmV
gmm` B{$Q>r {Q>`a 1 (OmopI ^m[aV AmpV`m| Ho$ {VeV Ho$ $n | )
{Q>`a 1 (OmopI ^m[aV AmpV`m| Ho$ {VeV Ho$ $n |)
Hw$b nyOr ( OmopI ^m[aV AmpV`m| Ho$ {VeV Ho$ $n | )
gWm {Z{XQ> ~$a Amd`H$Vm (`yZV grBQ>r1 Amd`H$Vm Ho$ gmW nyOr gVwbZ Ama {VMH$s`
~$a Amd`H$Vm, OmopI Ym[aV AmpV Ho$ {VeV Ho$ $n | `V)
{Og| go: nyOr gVwbZ ~$a Amd`H$Vm
{Og| go: ~H$ {Z{XQ> {VMH$s` ~$a Amd`H$Vm
{Og| go: Or-EgAmB~r ~$a Amd`H$Vm
~$a H$mo nyam H$aZo Ho$ {bE CnbY gmm` B{$Q>r {Q>`a 1 (OmopI Ym[aV AmpV Ho$ {VeV Ho$
$n |)
amQr` `yZV (`{X ~mgob III go {^Z h)
196
CnwV am{e
gX^ g
37,125.27
111,120.63
746.72
1035.93
11,339.07
11399.07
13121
97,998.91
97,998.91
97,998.91
358,052.32
6.84%
7.24%
9.97%
5%
6.84%
/ BANK OF INDIA
~mgob III gmm` H$Q>Z Q>oboQ> {OZH$m `moJ {d{Z`mH$ gm`moOZ | n[adVZ Ho$ XmamZ {H$`m
OmEJm (AWmV 1 Ab 2014 go 31 {Xg~a 2017 VH$ )
CnwV am{e
amQr` gmm` B{$Q>r {Q>`a 1 `yZV AZwnmV (`{X ~mgob III `yZV go {^Z h )
amQr` {Q>`a 1 `yZV AZwnmV (`{X ~mgob III `yZV go {^Z h)
amQr` Hw$b nyOr `yZV AZwnmV (`{X ~mgob III `yZV go {^Z h)
H$Q>mVr Ho$ {bE WoghmoS> go H$ aH$ (OmopI ^m[aVm Ho$ nhbo)
72 A` {dVr` gWmAm| H$s nyOr | Ja-hdnyU {Zdoe
73 {dVr` gWmAm| Ho$ H$mZ Q>mH$ | hdnyU {Zdoe
74 ~YH$ g{dqgJ A{YH$ma (g~{YV H$a Xo`Vm go KQ>mH$a)
75 AWm`r AVamo go CnZ AmW{JV H$a AmpV`m (g~{YV H$a Xo`Vm go KQ>mH$a)
{Q>`a 2 | mdYmZ H$mo em{b H$aZo na bmJy grm
76 mZH$sH$V {>H$moU Ho$ AYrZ EgnmoOa Ho$ g~Y | {Q>`a 2 | em{b H$aZo Ho$ {bE nm mdYmZ (grm
bmJy hmoZo Ho$ nhbo)
77 mZH$sH$V {>H$moU Ho$ VhV {Q>`a 2 | mdYmZ em{b H$aZo H$s grm
78 AmV[aH$ aoqQ>J AmYm[aV {>H$moU Ho$ AYrZ EgnmoOa Ho$ g~Y | {Q>`a-2 | em{b H$aZo Ho$ {bE nm
mdYmZ (grm bmJy hmoZo Ho$ nhbo)
79 AmV[aH$ aoqQ>J AmYm[aV {>H$moU Ho$ VhV {Q>`a 2 | mdYmZ em{b H$aZo Ho$ {bE grm
o$O
AmCQ> `dWm Ho$ AYrZ nyO
r {bIV (Ho$db 31 mM 2017 Ama 31 mM 2022 Ho$ ~rM bmJy)
80 o$O AmCQ> `dWmAm| Ho$ AYrZ grBQ>r 1 {bIVm| na dVmZ grm
81 grm Ho$ H$maU grBQ>r 1 go {ZH$mbr JB aH$ (moMZ Ama n[andVmAm| Ho$ ~mX grm go A{V[aV)
82 o$O AmCQ> `dWmAm| Ho$ AYrZ EQ>r 1 {bIVm| na Mmby grm
83 grm Ho$ H$maU EQ>r 1 go {ZH$mbr JB aH$ (moMZ Ama n[andVmAm| Ho$ ~mX grm go A{V[aV)
84 o$O AmCQ> `dWmAm| Ho$ AYrZ Q>r 2 {bIVm| na Mmby grm
85 grm Ho$ H$maU Q>r 2 go {ZH$mbr JB aH$ (moMZ Ama n[andVmAm| Ho$ ~mX grm go A{V[aV)
Q>oboQ> na {Q>n{U`m
5.00%
6.50%
9.00%
69
70
71
23,519.96
21,897.70
4,379.54
58,995.36
11,339.07
gX^ g
(` {{b`Z |)
1,266.44
1,266.44
4,379.54
23,519.96
13,605.31
37,125.27
11,339.07
/ BANK OF INDIA
Vm{bH$m S>rE$-12
nyOr H$s gaMZm- gmYmZ g~Yr Amd`H$VmE
(` {{b`Z |)
MaU -1
{dVr` {dda{U`m| Ho$ AZw$n {d{Z`mH$ mam goH$Z H$s
VwbZ n
JwOmBe Ho$ AVJV VwbZn
`Wm [anmo{Q>J VmarI
`Wm [anmo{Q>J VmarI
E
nyOr Ed Xo`VmE
XV nyOr
Ama{j{V`m Ed A{Yeof
An g`H$ {hV
Hw$b nyOr
ii Omam{e`m
{Og| go : ~H$m| go Omam{e`m
{Og| go : JmhH$m| go Omam{e`m
{Og| go : A` Omam{e`m (H$n`m CboI H$a|)
iii CYma
{Og| go : Ama~rAmB go
{Og| go : ~H$m| go
{Og| go : A` gWmAm| Ed EOopg`m| go
{Og| go : A` (H$n`m CboI H$a|)
{Og| go : nyOr {bIV
iv A` Xo`VmE Ed mdYmZ
Hw$b
~r AmpV`m
i
^maVr` [aOd ~H$ | ZH$Xr Ama eof
~H$m| | eof Ama mJ VWm An gyMZm na m` YZ
ii {Zdoe:
{Og| go : gaH$mar {V^y{V`m
{Og| go : A` AZwmo{XV {V^y{V`m
{Og| go : eo`a
{Og| go : {S>~|Ma Ed ~mS>
{Og| go : AZwf{J`m/g`wV C/gh`moJr H$n{Z`m
{Og| go : A` (dm{Up`H$ H$mJOmV, `yMwAb $S> B`m{X)
iii F$U Ed A{J
{Og| go : ~H$m| H$mo F$U Ed A{J
{Og| go : JmhH$m| H$mo F$U Ed A{J
iv AMb AmpV`m
v A` AmpV`m
{Og| go : gmd Ed AyV AmpV`m
{Og| go : AmpW{JV H$a Xo`Vm
vi goH$Z na gmd
vii bm^ Ed hm{Z ImVo | Zmo eof
Hw$b AmpV`m
i
198
6430.02
301,307.23
840.05
308,577.30
4,786,950.77
530,070.56
4,256,880.21
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
201,742.46
5,781,546.04
6430.02
301,452.41
617.41
308,499.41
4,787,210.25
530,070.56
4,257,139.68
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
179,311.31
5,759,519.14
192,878.57
424,724.48
1,164,897.43
1,008,514.15
1,442.74
16,489.58
86,494.58
10,135.52
41,820.87
3,726,714.60
342,192.58
3,384,522.02
58,201.87
214,129.08
1,322.23
5,781,546.04
192,867.30
424,662.38
1,145,034.36
1,003,739.24
11.65
8,969.76
83,862.83
11,335.52
37,115.38
3,726,700.54
342,192.58
3,384,507.95
58,131.88
212,122.68
1,322.23
5,759,519.14
/ BANK OF INDIA
MaU 2
{dVr` {dda{U`m| Ho$
AZw$n VwbZ n
`Wm [anmo{Q>J VmarI
i
ii
iii
iv
~r
i
ii
XV nyOr
{Og| go :
grBQ>r 1 hoVw nm am{e
EQ>r 1 hoVw nm am{e
Ama{j{V`m Ed A{Yeof
{Og| go :
gm{d{YH$ Ama{j{V`m
{V^y{V r{`
nyOr Ama{j{V`m:
{dXoer wm QmgboeZ [aOd
nwZy`mH$Z Ama{j{V
{Og| go : grBQ>r 1 hoVw nm
{Zdoem| H$s {~H$s na bm^ - n[andVm VH$ Ym[aV
A`
amOd Ed A` Ama{j{V`m :
{deof Ama{j{V
{Og| go : grBQ>r 1 hoVw nm (H$a H$m {Zdb)
bm^ Ed hm{Z ImVo | eof
An g`H$ bm^
Hw$b nyOr
Omam{e`m
{Og| go : ~H$m| go Omam{e`m
{Og| go : JmhH$m| go Omam{e`m
{Og| go : A` Omam{e`m (H$n`m CboI H$a|)
CYma
{Og| go : Ama~rAmB go
{Og| go : ~H$m| go
{Og| go : A` gWmAm| Ed EOopg`m| go
{Og| go : A` (H$n`m CboI H$a|)
{Og| go : nyOr {bIV
A` Xo`VmE Ed mdYmZ
{Og| go : gmd go g~{YV S>rQ>rEb
{Og| go : AyV AmpV`m| go g~{YV S>rQ>rEb
Hw$b
AmpV`m
^maVr` [aOd ~H$ | ZH$Xr Ed eof
~H$m| | eof VWm mJ Ed An gyMZm na m` YZ
{Zdoe:
{Og| go : gaH$mar {V^y{V`m
{Og| go : A` AZwmo{XV {V^y{V`m
{Og| go : eo`a
199
64300.02
64300.02
301,307.23
301,452.41
66,568.84
56,665.47
66,568.84
55,849.47
17,585.90
37,421.82
8,801.66
230.85
97,832.69
16,200.00
16,200.00
840.05
308,577.30
4,786,950.77
530,070.56
4,256,880.21
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
201,742.46
0
0
5,781,546.04
17,585.90
37,421.82
8,801.66
230.85
98,793.87
16,200.00
16,200.00
617.41
308,499.41
4,787,210.25
530,070.56
4,257,139.68
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
179,311.31
0
0
5,759,519.14
192,878.57
424,724.48
1,164,897.43
1,008,514.15
1,442.74
16,489.58
192,867.30
424,662.38
1,145,034.36
1,003,739.24
11.65
8,969.76
/ BANK OF INDIA
1
2
`j $n go Omar {H$E JE nm Am eo`a (Ama Ja-g`wV Q>mH$ H$n{Z`m| Ho$ {bE gVw`) 63,095.49
nyOr VWm gmW | g~{YV Q>mH$ A{Yeof
{VYm[aV AOZ
25,537.37
g{MV A` go{H$V Am` (Ed A` Ama{j{V`m)
163,327.01
grBQ>r 1 go o$g AmCQ> H$s eV Ho$ A`YrZ `j $n go Omar nyOr
AZwf{J`m| mam Omar Ed WS> nm{Q>`m| mam Ym[aV Am eo`a nyOr(Jyn grBQ>r 1 | AZwV am{e) 617.41
{d{Z`mH$ gm`moOZm| go nyd Am B{$Q>r {Q>`a 1 nyOr
250,577.28
{ddoH$nyU y`mH$Z gm`moOZ
gmd (g~{YV H$a Xo`Vm H$m {Zdb)
Vm{bH$m S>rE$-13
{d{Z`mH$ nyOr {bIVm| H$s w` {deofVmE
OmarH$Vm
`yZrH$ AmBSo>pQ>$m`a(Ogo {ZOr bo|Q> hoVw gr`yEgAmBnr,
AmBEgAmBEZ `m by~J AmBSo>pQ>$m`a )
{bIV Ho$ emgr {Z`
{d{Z`mH$ `dhma
gH$mUH$mbrZ ~mgob III {Z`
6
7
gmobmo/Jyn/Jyn Ed gmobmo | nm
{bIV ^ma
~H$ Am$ B{S>`m ~H$ Am$ B{S>`m ~H$ Am$ B{S>`m ~H$ Am$ B{S>`m ~H$ Am$ B{S>`m ~H$ Am$ B{S>`m
INE 08401016 INE 08409050 INE 08409068 INE 08409076 INE 08409084 INE 08409100
^maVr` {Z`
gmm` B{$Q>r
{Q>`a 1
gmm` B{$Q>r
{Q>`a 1
gmobmo Ama Jyn
Am eo`a
6,430,021
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
Q>r`a 2
Q>r`a 2
Q>r`a 2
Q>r`a 2
Q>r`a 2
Anm
gmobmo Ama Jyn
bmoAa {Q>`a 2
{bIV
ey`
Anm
gmobmo Ama Jyn
bmoAa {Q>`a 2
{bIV
ey`
Anm
gmobmo Ama Jyn
bmoAa {Q>`a 2
{bIV
ey`
Anm
gmobmo Ama Jyn
bmoAa {Q>`a 2
{bIV
1,500
Anm
gmobmo Ama Jyn
bmoAa {Q>`a 2
{bIV
800
200
/ BANK OF INDIA
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
bmJy Zht
3,500
2,000
3,000
7,500
2,000
{bIV H$m gy` (.{{b`Z)
boImH$Z dJuH$aU
B{$Q>r eo`a nyOr
CYma
CYma
CYma
CYma
CYma
Omar {H$E OmZo H$s yb VmarI
{d{^Z
23/01/2004
31/03/2004
23/02/2005
16/09/2005
20/03/2006
{XZm{H$V `m gdH$m{bH$
gdH$m{bH$
{XZm{H$V
{XZm{H$V
{XZm{H$V
{XZm{H$V
{XZm{H$V
yb n[andVm VmarI
bmJy Zht
30/04/2014
30/04/2014
23/05/2014
16/04/2015
20/06/2016
n`dojr AZwmoXZ Ho$ nhbo B`yAa H$mb
Zht
Zht
Zht
Zht
Zht
Zht
yb H$mb VmarI, AmH$pH$ H$mb VmarI Ama moMZ
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
VXwnamV H$s H$mb VmarI|, AJa bmJy hm|
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
Hy$nZ /{S>{dS|>S>
bm^me
Hy$nZ
Hy$nZ
Hy$nZ
Hy$nZ
Hy$nZ
pWa `m $bmoqQ>J bm^me /Hy$nZ
Zht
pWa
pWa
pWa
pWa
pWa
Hy$nZ Xa Ama H$moB g~{YV BSo>g
Zht
5.88%
5.90%
7.10%
7.50%
8.00%
{S>{dSo>S> Q>mna H$s CnbYVm
Zht
hm
hm
hm
hm
hm
nyUV: {ddoH$nyU, Am{eH$$n go {ddoH$nyU `m A{Zdm`
Zht
A{Zdm`
A{Zdm`
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A{Zdm`
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Zht
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Ja-gM`r `m gMr
Ja-gM`r
gM`r
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gM`r
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n[adVZr` `m Ja n[adVZr`
bmJy Zht
Ja n[adVZr`
Ja n[adVZr`
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Ja n[adVZr`
Ja n[adVZr`
AJa n[adVZr` hmo Vmo, H$dOZ {QJg
bmJy Zht
bmJy Zht
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bmJy Zht
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AJa n[adVZr` hmo Vmo, nyUV: `m Am{eH$
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
AJa n[adVZr` hmo Vmo, n[adVZ Xa
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
AJa n[adVZr` hmo Vmo, n[adVZ A{Zdm` h `m dH$pnH$
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
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bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
AJa n[adVZr` hmo Vmo, {H$gr H$ma Ho$ {bIV | n[adVZ {H$m
OmEJm CboI H$a|&
AJa n[adVZr` hmo Vmo, {Og {bIV | n[ad{VV hmoJm CgHo$ OmarH$Vm
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
H$m CboI H$a|&
amBQ> S>mCZ {deofVm
Zht
Zht
Zht
Zht
Zht
Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
AJa amBQ> S>mCZ hmo Vmo, amBQ> S>mCZ {QJg
AJa amBQ> S>mCZ hmo Vmo, nyUV: h `m Am{eH$
bmJy Zht
bmJy Zht
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bmJy Zht
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bmJy Zht
AJa amBQ> S>mCZ hmo Vmo, dh Wm`r h `m AWm`r
bmJy Zht
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bmJy Zht
bmJy Zht
AJa amBQ> S>mCZ hmo Vmo, amBQ> An V H$m {ddaU
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A`
nmoOreZ BZ g~Am{S>ZoeZ hmBam{H$ ( {bIV go VwaV d[aR> {bIV
OmH$Vm Ama
OmH$Vm Ama
OmH$Vm Ama
OmH$Vm Ama
OmH$Vm Ama
OmH$Vm Ama
Ho$ H$ma H$m CboI H$a|&
boZXma
boZXma
boZXma
boZXma
boZXma
boZXma
Ja-H$bm`Q> Qmg{eS> $sMg
Zht
hm
hm
hm
hm
hm
AJa hm, Vmo H$n`m Ja-H$bm`Q> Iy{~`m| H$m CboI H$a|
bmJy Zht
H$moB hm{Z gmdofU
Iy~r Zht
H$moB hm{Z gmdofU Iy~r Zht
1
2
3
4
5
6
7
8
9
10
OmarH$Vm
`yZrH$ AmBS>o pQ>$m`a(Ogo {ZOr bo|Q> $ hoVgw r`yEgAmBnr,
AmBEgAmBEZ `m by~J AmBS>o pQ>$m`a )
{bIV Ho$ emgr {Z`
{d{Z`mH$ `dhma
gH$mUH$mbrZ ~mgob III {Z`
gH$mUH$mb- CnamV ~mgob III {Z`
gmobmo/Jyn/Jyn Ed gmobmo | nm
{bIV ^ma
{d{Z`mH$ nyOr | m` H$s JB am{e (. {{b`Z | , `Wm
g~go hmb H$s [anmo{Q>J VmarI)
{bIV H$m gy` ( .{{b`Z)
boImH$Z dJuH$aU
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
^maVr` {Z`
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
5,856
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
4,000
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
4,000
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
4,000
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
8,000
{Q>`a 2
Anm
gmobmo Ama Jyn
Ana {Q>`a
2nyOr {bIV
8,000
7,320
CYma
5,000
CYma
5,000
CYma
5,000
CYma
10,000
CYma
10,000
CYma
201
/ BANK OF INDIA
H$moB hm{Z gmdofU Iy~r Zht
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
28/08/2009
{XZm{H$V
28/08/2024
hm
28/08/2019
bmJy Zht
Hy$nZ
pWa
8.50%
hm
A{Zdm`
Zht
gM`r
Ja n[adVZr`
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
20/01/2010
{XZm{H$V
20/01/2025
hm
20/01/2020
bmJy Zht
Hy$nZ
pWa
8.54%
hm
A{Zdm`
Zht
gM`r
Ja n[adVZr`
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
11/06/2010
{XZm{H$V
10/06/2025
hm
11/06/2020
bmJy Zht
Hy$nZ
pWa
8.48%
hm
A{Zdm`
Zht
gM`r
Ja n[adVZr`
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
~H$ Ho$ g^r A`
OmH$Vm Ama boZXma
Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
~H$ Ho$ g^r A`
OmH$Vm Ama boZXma
hm
H$moB hm{Z gmdofU
Iy~r Zht
hm
H$moB hm{Z gmdofU
Iy~r Zht
OmarH$Vm
1 ~H$ Am$ B{S>`m
2 `yZrH$ AmBSo>pQ>$m`a(Ogo {ZOr bo|Q> hoVw gr`yEgAmBnr, AmBEgAmBEZ `m by~J
AmBSo>pQ>$m`a)
3 {bIV Ho$ emgr {Z`
{d{Z`mH$ `dhma
4 gH$mUH$mbrZ ~mgob III {Z`
5 gH$mUH$mb- CnamV ~mgob III {Z`
6 EH$b/gyh/gyh d EH$b H$s AdWm | nm
7 {bIV H$ma H$m
8 {Z`mH$ nyOr (AVZ [anmo{Q>J {V{W Ho$ AZw$n {{b{`Z |) | m` am{e
9 {bIV Ho$ g y` ( {{b`Z)
10 boImH$Z dJuH$aU
202
Zht
Zht
Zht
Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A` ~H$ Ho$ g^r A`
OmH$Vm Ama boZXma
OmH$Vm Ama
OmH$Vm Ama
OmH$Vm Ama
boZXma
boZXma
boZXma
hm
hm
hm
hm
H$moB hm{Z gmdofU
H$moB hm{Z
H$moB hm{Z
H$moB hm{Z
Iy~r Zht
gmdofU Iy~r
gmdofU Iy~r
gmdofU Iy~r
Zht
Zht
Zht
INE 08408045
^maVr` {Z`
^maVr` {Z`
{Q>`a 2
nm
EH$b VWm gyh gyh
{Q>`a 2 F$U {bIV
10,000
10,000
CYma
{Q>`a 2
nm
EH$b VWm gyh
{Q>`a 2 F$U {bIV
5,000
5,000
CYma
/ BANK OF INDIA
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
30/09/2013
{XZm{H$V
30/09/2023
Zht
bmJy Zht
bmJy Zht
Hy$nZ
pWa
9.80%
hm
nyU {ddoH$mYrZ
Zht
AgM`r
An[adVZr`
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
hm
^m[a~ mam {b`m J`m {ZU`
^m[a~ mam {b`m J`m {ZU`
^m[a~ mam {b`m J`m {ZU`
bmJy Zht
A` g^r OmH$Vm VWm ~H$ Ho$
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~ogb III
hm{Z a{hV AdemofU {d{eQ>VmE
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{d{eQ> A{^kmnH$(CXm. {ZOr WmnZ Ho$ {bE
INE08409126
INE08409134
INE08409142
INE08409167
INE08409191
INE08409225
gr`yEgAmBnr, AmBEgAmBEZ AWdm by~J A{^kmnH$)
{bIV H$m emgr {d{Y
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A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
n[adVu nyU ~ogb III {Z`
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
A{V[aV pWa 1
n[adVu nyU ~ogb III {Z`
EH$b/gyh/gyh Ama EH$b nm
EH$b Ama gyh
EH$b Ama gyh
EH$b Ama gyh
EH$b Ama gyh
EH$b Ama gyh
EH$b Ama gyh
{bIV H$ma
~o{`mXr F$U {bIV ~o{`mXr F$U {bIV ~o{`mXr F$U {bIV ~o{`mXr F$U {bIV ~o{`mXr F$U {bIV ~o{`mXr F$U {bIV
{Z`mH$ nyOr | drH$V am{e (AVZ [anmo{Q>J {V{W |
3,200
800
1,240
3,200
2,600
2,400
{br`Z |)
gy` Ho$ {bIV
4,000
1,000
1,550
4,000
3,250
3,000
dJuH$V boImH$Z
CYma
CYma
CYma
CYma
CYma
CYma
Omar H$aZo H$s yb {V{W
27.07.2007
27.09.2007
11.10.2007
10.02.2009
09.12.2009
09.09.2010
~o{`mXr `m {XZm{H$V
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
n[andVm H$s yb {V{W
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
~o{`mXr
n`dojH$s` nyd AZwmoXZ Ho$ A`YrZ OmarH$Vm ~mobr
hm
hm
hm
hm
hm
hm
dH$pnH$ ~mobr {V{W AmH$pH$ ~mobr {VWr VWm {VXmZ ~mobr {dH$n {V{W ~mobr {dH$n {V{W ~mobr {dH$n {V{W ~mobr {dH$n {V{W ~mobr {dH$n {V{W ~mobr {dH$n {V{W
am{e
27.07.2017
09.09.2020
203
/ BANK OF INDIA
16
17
18
Hy$nZ/bm^me
pWa AWdm ApWa bm^me/Hy$nZ
Hy$nZ Xa Ama H$moB g~{YV gyMr
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
Before Call
10.55% if call not
exercised 11.05%
Before Call
10.45% if call
not exercised
10.95%
09.12.2019
Ho$ ~mX
Hy$nZ
pWa
Before Call
Before Call
Before Call
8.90% if call not 9.00% if call not 9.05% if call not
exercised 9.40% exercised 9.50% exercised 9.55%
27.07.2017
Ho$ ~mX
Hy$nZ
pWa
OmarH$Vm
{d{eQ> A{^kmnH$(CXm. {ZOr WmnZ Ho$ {bE gr`yEgAmBnr, AmBEgAmBEZ AWdm by~J
A{^kmnH$)
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gy` Ho$ {bIV
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n[andVm H$s yb {V{W
n`dojH$s` nyd AZwmoXZ Ho$ A`YrZ OmarH$Vm ~mobr
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`{X bmJy hmo Vmo, AZwdVu ~mobr {V{W
204
AJoOr
{Q>`a 2
nm
EH$b d gyh
CM {Q>`a 2
`yEgS>r 216 {br`Z
`yEgS>r 240 {br`Z
F$U
14 {gV~a 2016
{XZm{H$V
22 {gV~a 2021
hm
22 {gV~a 2016
~mX `oH$ Hy$nZ {V{W 22 {gV~a 2016
/ BANK OF INDIA
17
18
19
20
21
22
23
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25
26
27
28
29
30
31
32
33
34
35
36
37
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
Hy$nZ/bm^me
pWa AWdm ApWa bm^me/Hy$nZ
Hy$nZ Xa Ama H$moB g~{YV gyMr
bm^me amoYH$ H$s pW{V
nyU {ddoH$mYrZ Am{eH$ {ddoH$mYrZ AWdm A{Zdm`
gaMZm H$s pW{V AWdm A` mogmhZ moMZ
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n[adVZr` `m An[adVZr`
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`{X n[adVZr` h Vmo, {bIV OmarH$Vm H$mo nQ> H$a| {Og| `h n[adV hmoJm
{d{eQ>VmAm| H$mo {bI|
`{X {bI aho h Vmo, H$maU {bI|(s)
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({bIV H$ma H$mo VH$mb d[aR> H$mgo nQ> H$a|)
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`{X hm Vmo Ja-AZwdVu {d{eQ>VmAm| H$mo nQ> H$a|
pWa
6.625%
bmJy Zht
Am{eH$ {ddoH$mYrZ
Q>on An
gM`r
An[adVZr`
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
OmarH$Vm
{d{eQ> A{^kmnH$(CXm. {ZOr WmnZ Ho$ {bE gr`yEgAmBnr, AmBEgAmBEZ AWdm by~J A{^kmnH$)
{bIV H$m emgr {d{Y
{ZmH$ ~Y
n[adVu nyU ~ogb III {Z`
n[adVu nyU ~ogb III {Z`
EH$b/gyh/gyh Ama EH$b nm
{bIV H$ma
{Z`mH$ nyOr | drH$V am{e (AVZ [anmo{Q>J {V{W | {br`Z |)
gy` Ho$ {bIV
dJuH$V boImH$Z
Omar H$aZo H$s yb {V{W
~o{`mXr `m {XZm{H$V
n[andVm H$s yb {V{W
n`dojH$s` nyd AZwmoXZ Ho$ A`YrZ OmarH$Vm ~mobr
dH$pnH$ ~mobr {V{W AmH$pH$ ~mobr {VWr VWm {VXmZ am{e
`{X bmJy hmo Vmo, AZwdVu ~mobr {V{W
Hy$nZ/bm^me
pWa AWdm ApWa bm^me/Hy$nZ
205
bmJy Zht
hm
3 Ab 2017
Every coupon date after
pWa
3 Ab 2017
/ BANK OF INDIA
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
6.994%
bmJy Zht
Am{eH$ {ddoH$mYrZ
Q>on>-An
AgM`r
AgM`r
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
bmJy Zht
A{YmZ Ama B{$Q>r eoaYmaH$
hm
1. H$mb {V{W H$mo Q>on>-An gp{bV H$ao&
2. Hy$nZ H$mo a H$aZo H$m nyU {ddoH$m{YH$ma
~rAmoAmB H$mo Zht h&
3. nrAmoEZdr VWm grBQ>r1 [Q>Ja Ho$ yb hmZr
gmdoeZ gp{bV Zht h&
206
/ BANK OF INDIA
i.
Qualitative Disclosures
a.
Name of the
entity/Country of
incorporation
Explain the
Whether the Entity Explain the Explain the
Method of
reasons for
Method of
is included under
consolidation regulatory scope consolidation difference in
the method of
of consolidation
yes / no)
consolidation
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Bank of India(Uganda)
LTD
Bank of India(Tanzania)
LTD
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Subsidiary
Yes
Subsidiary
NA
NA
PT Bank of India
Swadeshi TBK Indonesia
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Subsidiary
Yes
Subsidiary
NA
NA
Yes
Joint Venture
No
Joint Venture
NA
Yes
Associate
Yes
Associate
NA
NA
Yes
Associate
Yes
Associate
NA
NA
Yes
Associate
Yes
Associate
NA
NA
Yes
Associate
Yes
Associate
NA
NA
RRB SH Aryavart
Kshetriya Gramin Bank
Yes
Associate
Yes
Associate
NA
NA
RRB SH Jharkhand
Gramin Bank
Yes
Associate
Yes
Associate
NA
NA
RRB SH Narmada
Jhabua Gramin Bank
Yes
Associate
Yes
Associate
NA
NA
b.
List of group entities not considered for consolidation both under the accounting and regulatory scope of consolidation
There are no group entities that are not considered for consolidation under both the accounting scope of consolidation and regulatory
scope of consolidation.
207
/ BANK OF INDIA
(ii)
Quantitative Disclosures:
(c)
Principle activity of
the entity
Total balance sheet equity (as stated Total balance sheet assets (as
in the accounting balance sheet of stated in the accounting balance
sheet of the legal entity)
the legal entity)(Equity+Reserve)
Banking
Banking
Banking
264.24
62.99
63.85
359.52
151.75
204.88
Banking
30.20
61.90
Banking
254.61
1910.22
24.41
31.83
Assets Management
19.30
23.53
Trusteeship Services
0.02
0.04
Life Insurance
420
4908.97
1051.73
6308.93
Assets Recovery
Company
127.03
171.33
Banking
337.60
2286.54
Banking
180.11
3791.47
Banking
1070.81
13663.87
Banking
Banking
150.53
400.23
2625.31
5009.42
d.
The aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory scope of consolidation
i.e. that are deducted:
e.
The aggregate amounts (e.g. current book value) of the banks total interests in insurance entities, which are risk-weighted:
Principle activity of
the entity
Life Insurance
48%
Any restrictions or impediments on transfer of funds or regulatory capital within the banking group are as governed by RBI.
208
/ BANK OF INDIA
Table DF-2
Capital Adequacy
a.
B.
A. BANK OF INDIA
-
-
-
Qualitative disclosures
1.
BANK OF INDIA
a.
Non-performing Assets
ii.
iii.
The bill remains overdue for a period of more than 90 days in the
case of bills purchased and discounted,
iv.
v.
vi.
vii. Bank should classify an account as NPA only if the interest charged
during any quarter is not serviced fully within 90 days from the end
of the quarter.
viii. A loan for infrastructure/non-infrastructure project will be classified
as NPA during any time before commencement of commercial
operations as per record of recovery (90 days overdue) unless it
is restructured and becomes eligible for classification as Standard
Asset
ix.
x.
209
/ BANK OF INDIA
b.
c.
Overdue
Any amount due to the bank under any credit facility is overdue if
it is not paid on the due date fixed by the bank.
d.
i.
ii.
iii.
iv.
ii.
iii.
iv.
Any credit facility availed by the issuer is NPA in the books of the
bank, investment in any of the securities issued by the same issuer
is treated as NPI and vice versa.
v.
i.
ii.
2.
iii.
Deposits are insufficient to cover the interest calculated and due for
the period
iv.
v.
Provisioning
91-180
Substandard
10%
181-270
Doubtful
50%
Loss
100%
4.
Provisioning
91-179
Substandard
20%
180-365
Doubtful
50%
Loss
100%
210
/ BANK OF INDIA
5.
ii)
Organizational Set up
Provisioning
10%
20%+100% of shortfall
30%+100% of shortfall
100%
100%
A.
BANK OF INDIA
a)
b)
c)
d)
i)
iii)
Operations/Systems/Processes
211
/ BANK OF INDIA
e)
i.
ii.
Prudential Limits
Risk Rating/Pricing
iv.
f)
Risk Measurement
g)
h)
Risk Review:
C.
i.
ii.
iii.
iv.
Any one or more of the above actions are taken by the Bank
before the account becomes NPA.
A)
i.
ii.
iii.
iv.
v.
B)
212
/ BANK OF INDIA
i.
Fund Based
(Outstanding)
` in Crores
Non Fund
Based
(Outstanding)
` in Crores
7,226.85
0.00
4,75.03
1,099.24
1,418.26
4,40.44
5,558.81
4,37.87
1,26.37
9,03.46
1,10.33
1.17
2,775.63
2,457.49
67.89
1,24.16
2,296.42
1,742.26
1,38.46
5,91.55
4,52.73
70.09
56.71
1,020.16
1,543.81
3,305.03
1,459.02
10,400.97
5,564.71
30.97
2,659.62
23,598.28
31,076.14
Coal
42.68
Mining
2,587.17
Iron & Steel
14,384.86
Other Metal & Metal Products
3,434.88
All Engineering
2,287.68
Of which Electronics
666.13
Electricity
16,008.65
Cotton Textiles
4,389.48
Jute Textiles
108.46
Other Textiles
5,260.53
Sugar
2,923.55
Tea
58.59
Food Processing
9,925.15
Vegetable Oil & Vanaspati
1,270.63
Tobacco & Tobacco Products
850.04
Paper & Paper Products
1,356.94
Rubber & Rubber Products
2,609.64
Chemical, Dyes, Paints etc.
6,186.12
Of which Fertilisers
1,525.98
Of which Petro-chemicals
1,393.42
Of which Drugs & Pharmaceuticals
1,897.68
Cement
1,495.86
Leather & Leather Products
502.22
Gems & Jewellery
8,714.80
Construction
2,466.16
Petroleum
3,857.31
Automobiles including Trucks
1,962.34
Infrastructure*
42,004.72
Of which Power
16,008.65
Of which Telecommunications
1,131.84
Of which Roads & Ports
9,571.54
Other Industries
25,591.42
Residuary Other Advances (to
2,38,159.16
balance with Gross Advances)
Total
3,78,177.63
91,223.64
* Exposure to Infrastructure Sector at 11.11 % exceeds 5% of total fund
based advances
* Exposure to Electricity (Power) at 6.09% exceeds 5% of total non-fund
based outstanding.
e.
Investments
(gross)
Next day
30,279.73
2 7 days
8,153.18
8 14 days
3,834.74
15 28 days
11,610.23
29 days 3 months
84,450.52
>3 months 6 months
41,136.25
> 6months 1 year
32,592.14
>1 year 3 years
46,935.45
> 3 years 5 years
3,76,66.97
> 5 years
76,016.76
Total
3,72,675.97
*Figures are shown on net basis
291.99
42.25
382.59
2,151.76
4,768.58
2,318.48
1,723.62
13,539.95
22,102.42
67,019.35
1,14,341.00
f.
Foreign
Currency
Assets
3,540.08
7,687.08
2,315.42
8,154.87
29,649.54
18,474.87
16,983.88
21,849.46
8,395.58
11,692.36
1,28,743.14
Category
(` in Crores)
Sub Standard
6,842.84
Doubtful 1
2,907.89
Doubtful 2
1,128.53
Doubtful 3
286.45
Loss
717.90
TOTAL
11,883.61
h. The amount of net NPAs is ` 7,425.19 crores.
i.
j.
8,777.77
8,837.98
5,732.14
11,883.61
(` in Crores)
n.
213
980.10
72.55
42.65
1,095.30
/ BANK OF INDIA
Table DF-4
8.
i.
the rating applicable to the specific debt (where the rating maps
into a risk weight lower than that which applies to an unrated
claim) is applied to the banks un- assessed claim only if this
claim ranks pari passu or senior to the specific rated debt in all
respects and the maturity of the un-assessed claim is not later
than the maturity of the rated claim, except where the rated claim
is a short term obligation.
ii.
if either the issuer or single issue has been assigned a rating which
maps into a risk weight equal to or higher than that which applies
to unrated claims, an unrated claim on the same counterparty,
is assigned the same risk weight as is applicable to the rated
exposure, if this claim ranks pari passu or junior to the rated
exposure in all respects.
A: BANK OF INDIA
1.
The Bank has approved using the general rating of the following
credit rating agencies for risk weighting under the standardized
approach for CRAR calculations CRISIL, ICRA, INDIA RATINGS,
BRICKWORK, SMERA, and CARE for domestic claims
and S&P FITCH and Moodys for claims on non-resident
corporates, foreign banks and foreign sovereigns. SME
ratings are not being used, as they are not approved by RBI.
2.
The ratings of all these agencies are being used for all exposures
subjected to rating for risk weighting purposes under the
standardized approach for CRAR calculations under Basel-II.
5.
6.
Total Exposures
(in Crores)
(31 March 2014)
Demand Deposit with other Banks
24.33
Jasa Marga JORR Bonds (Public Sector Bonds) 0.23
Other Bank Bonds
14.94
C: Bank of India (Tanzania) Ltd (Subsidiary, Bank of India
(Uganda) Ltd (subsidiary) and Bank of India (Botswana) Ltd.
Quantitative Disclosures
For exposure amounts after risk mitigation subject
to the standardized approach, amount of a banks
outstanding (rated and unrated) in the following
three major risk buckets as well as those that are
deducted;
The total credit exposure of BOI Solo (excluding
market related off balance sheet items) of the bank
(subject to standardized approach), are classified
under major risk buckets are as under: Below 100 % risk weight:
100 % risk weight:
More than 100 % risk weight:
Deducted
214
` 410,140 Crores
` 188,349 Crores
` 42,910 Crores
NIL
/ BANK OF INDIA
Table DF-5
Credit Risk Mitigation: Disclosures for Standardised Approaches
i.
ii.
Qualitative Disclosures
(a)
a)
5.
A: BANK OF INDIA
1.
iii.
(2) On-balance-sheet-netting
6.
(3) Guarantees
a)
Validity of collateral;
2.
ii.
iii.
iv.
v.
vi.
vii.
i) Enforceability
ii)
ii.
3.
On-balance-sheet-netting
4.
Guarantees
b)
Loan-to-value ratios
215
/ BANK OF INDIA
c) Valuation
Collateral position
d)
e)
Procedures for
documented
requesting additional
collateral
are
clearly
1)
g)
Sale of collateral;
The Bank has clear and robust procedure for the timely liquidation
of collateral.
C:
D:
limit
(as % of core capital)
25
25
25
25
f) Insurance;
limit
(as % of core capital)
limit
(as % of unimpaired capital)
1)
Qualitative disclosures
The collaterals are obtained in the form of Banks own term deposit
receipts, Legal mortgage over immovable properties, Hypothecation
charge over movable assets of the company, pledge of shares etc.
(iii) The regulatory capital approach that the bank follows for its
securitisation activities.
216
/ BANK OF INDIA
(i)
Liquidity Risk
Gap analysis is followed for monitoring Liquidity risk on a
fortnightly basis. Prudential limit-for percentage of cumulative gap
to cumulative outflow-based on Reserve Bank of India guidelines
for the short-term buckets up-to 28 days is monitored. Besides,
prudential limits are in place for market borrowingDaily and
average call borrowingInter Bank Liabilities, Purchased funds etc.
High value bulk deposits are monitored on a weekly basis. Shortterm dynamic liquidity statement is prepared on a fortnightly basis
to assess the liquidity position, which takes in to account the
business growth. A contingency funding plan is in place to meet
the emergencies. The plan is tested on a quarterly basis. Stress
Testing is also done on a quarterly basis to assess possible loss to
Bank if there is any liquidity crisis and if funds are to be raised from
the market to meet the contingencies.
The Bank has fixed Aggregate Gap Limit in USD as well as in other
currencies, Maximum Aggregate daylight and overnight exposure
limits for foreign exchange exposure in various currencies. We have
also fixed period-wise Individual Currency-wise Gap Limits. Stop
loss limits, take profit limit and single deal limits are in place for
monitoring the forex operations of the dealers.
The banks domestic investment policy has fixed stop loss limits for
equity dealers. Daily Limits to Treasury, Maximum Investment Limit,
Holding Period for Equity Portfolio (Trading). Daily reporting is done
to Top Management on the transactions.
(ii)
Not Applicable
Quantitative Disclosures
A: BANK OF INDIA
Not Applicable
Not Applicable
Table DF 7
Market Risk
217
/ BANK OF INDIA
Operational risk
A: BANK OF INDIA
iv)
Table DF - 8
Operational Risk
Qualitative disclosures
In addition to the general qualitative disclosure requirement, the approach
(es) for operational risk capital assessment for which the bank qualifies.
Market risk: Market risk arises from open positions in interest rate,
currency and equity products. The board sets limits and reviews
it at regular interval on the risk that may be accepted. Further the
exposure is monitored on daily basis.
ii.
` 861.42 Crores
` 413.41 Crores
` 305.57 Crores
iii.
iv.
Currency risk: The bank is exposed to the risk that the value of
To minimize the operational risk, the bank has increased the control
218
/ BANK OF INDIA
Using the above, Modified duration of liabilities and assets for each
bucket is calculated and the impact on their value for a change in
interest rate by 1% is reckoned By adding up, the net position is
arrived at to determine as to whether there will be a positive
increase in the value or otherwise.
Assumptions:
The interest rate moves uniformly across all time buckets and for all
assets.
Bank also has Internal Control unit which has job to ensure all
business unit comply to bank procedure and local government
regulation as well.
Quantitative Disclosures
Table DF-9
Interest rate risk in the banking book (IRRBB)
Qualitative Disclosures
(a) The general qualitative disclosure requirement, including the
nature of IRRBB and key assumptions, including assumptions
regarding loan prepayments and behavior of non-maturity
deposits, and frequency of IRRBB measurement.
A: BANK OF INDIA
Total
Of which in USD
(where turnover is
more than 5% of
total turnover)
219
/ BANK OF INDIA
Table DF 10
General disclosure for exposures related to Counterparty Credit Risk
a.
The bank uses derivatives products for hedging its own balance
sheet items as well as for trading purposes. The risk management
of derivative operation is headed by a senior executive, who reports
to top management, independent of the line functions. Trading
positions are marked to market on daily basis.
Quantitative Disclosure
Current
Credit
Credit
equivalent
Exposure (In Million)
(In Million)
Currency Option
186.02
84.00
99.59
Cross CCY Interest Rate Swaps 5,130.07
373.64
869.10
Forward rate agreements
Interest rate future
Credit default swaps
Single CCY interest Rate Swaps 83,084.50
474.30
3,051.19
Total
188,400.59 931.94
4,019.87
220
Notional
Amount
(In Million)
/ BANK OF INDIA
Table DF -11
Composition of Capital
` In Millions
Basel III common disclosure template to be used during the transition of regulatory
adjustments (i.e. from April 1,2013 to December31,2017)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
26a
26b
26c
26d
Eligible
Amount
221
Amounts
subject to
pre Basel III
Treatment
Ref No
(a)
/ BANK OF INDIA
27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and
Tier 2 to cover deductions
28 Total regulatory adjustments to Common equity Tier 1
5579.86
29 Common Equity Tier 1 capital (CET1)
244997.30
Additional Tier 1 capital: instruments
30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (31+32)
31 of which: classified as equity under applicable accounting standards (Perpetual Non-Cumulative
Preference Shares)
32 of which: classified as liabilities under applicable accounting standards (Perpetual debt
Instruments)
33 Directly issued capital instruments subject to phase out from Additional Tier 1
21,897.70
34 Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries
and held by third parties (amount allowed in group AT1)
35 of which: instruments issued by subsidiaries subject to phase out
36
Additional Tier 1 capital before regulatory adjustments
21,897.70
Additional Tier 1 capital: regulatory adjustments
37 Investments in own Additional Tier 1 instruments
38 Reciprocal cross-holdings in Additional Tier 1 instruments
1,004.72
39 Investments in the capital of banking, financial and insurance entities that are outside the scope
of regulatory consolidation, net of eligible short positions, where the bank does not own more than
10% of the issued common share capital of the entity (amount above 10% threshold)
40 Significant investments in the capital of banking, financial and insurance entities that are outside
443.97
the scope of regulatory consolidation (net of eligible short positions)
41 National specific regulatory adjustments (41a+41b)
41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries
41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have not been
consolidated with the bank
Regulatory Adjustments Applied to Additional Tier 1 in respect of Amounts Subject to Pre-Basel
5,393.01
III Treatment
of which: [INSERT TYPE OF ADJUSTMENT e.g. DTAs]
1,013.47
of which: [INSERT TYPE OF ADJUSTMENT e.g. existing adjustments which are deducted from
Tier 1 at 50%]
4,379.54
of which: [INSERT TYPE OF ADJUSTMENT]
42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions
43 Total regulatory adjustments to Additional Tier 1 capital
6,841.70
44 Additional Tier 1 capital (AT1)
15,056.10
44a Additional Tier 1 capital reckoned for capital adequacy
15,056.10
45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a)
260,053.42
Tier 2 capital: instruments and provisions
46 Directly issued qualifying Tier 2 instruments plus related stock surplus
15,000.00
47 Directly issued capital instruments subject to phase out from Tier 2
58,995.36
48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by
subsidiaries and held by third parties (amount allowed in group Tier 2)
49 of which: instruments issued by subsidiaries subject to phase out
50 Provisions
37,125.27
51 Tier 2 capital before regulatory adjustments
111,120.63
Tier 2 capital: regulatory adjustments
52 Investments in own Tier 2 instruments
53 Reciprocal cross-holdings in Tier 2 instruments
746.72
54 Investments in the capital of banking, financial and insurance entities that are outside the scope
of regulatory consolidation, net of eligible short positions, where the bank does not own more than
10% of the issued common share capital of the entity (amount above the 10% threshold)
55 Significant investments in the capital banking, financial and insurance entities that are outside
1035.93
the scope of regulatory consolidation (net of eligible short positions)
56 National specific regulatory adjustments (56a+56b)
11,339.07
56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries
222
/ BANK OF INDIA
56b of which: Shortfall in the Tier 2 capital of majority owned financial entities which have not been
consolidated with the bank
Regulatory Adjustments Applied To Tier 2 in respect of Amounts Subject to Pre-Basel III
Treatment
of which: [INSERT TYPE OF ADJUSTMENT e.g. existing adjustments which are deducted from
Tier 2 at 50%]
of which: [INSERT TYPE OF ADJUSTMENT
57 Total regulatory adjustments to Tier 2 capital
58 Tier 2 capital (T2)
58a Tier 2 capital reckoned for capital adequacy
58b Excess Additional Tier 1 capital reckoned as Tier 2 capital
58c Total Tier 2 capital admissible for capital adequacy (58a++ 58b)
59 Total capital (TC = T1 + T2) (45 + 58c)
Risk Weighted Assets in respect of Amounts Subject to Pre Basel III Treatment
of which: [INSERT TYPE OF ADJUSTMENT]
of which:
60 Total risk weighted assets (60a + 60b + 60c)
60a
of which: total credit risk weighted assets
60b
of which: total market risk weighted assets
60c
of which: total operational risk weighted assets
Capital ratios
61 Common Equity Tier 1 (as a percentage of risk weighted assets)
62 Tier 1 (as a percentage of risk weighted assets)
63 Total capital (as a percentage of risk weighted assets)
64 Institution specific buffer requirement (minimum CET1 requirement plus capital conservation and
countercyclical buffer requirements, expressed as a percentage of risk weighted assets)
65 of which: capital conservation buffer requirement
66 of which: bank specific countercyclical buffer requirement
67 of which: G-SIB buffer requirement
68 Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)
National minima (if different from Basel III)
69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum)
70 National Tier 1 minimum ratio (if different from Basel III minimum)
71 National total capital minimum ratio (if different from Basel III minimum)
Amounts below the thresholds for deduction (before risk weighting)
72 Non-significant investments in the capital of other financial entities
73 Significant investments in the common stock of financial entities
74 Mortgage servicing rights (net of related tax liability)
75 Deferred tax assets arising from temporary differences (net of related tax liability)
Applicable caps on the inclusion of provisions in Tier 2
76 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach
(prior to application of cap)
77 Cap on inclusion of provisions in Tier 2 under standardised approach
78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based
approach (prior to application of cap)
79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach
Capital instruments subject to phase-out arrangements (only applicable between March
31, 2017 and March 31, 2022)
80 Current cap on CET1 instruments subject to phase out arrangements
81 Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)
82 Current cap on AT1 instruments subject to phase out arrangements
83
84
85
Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)
Current cap on T2 instruments subject to phase out arrangements
Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)
223
11399.07
13121
97,998.91
97,998.91
97,998.91
358,052.32
6.84%
7.24%
9.97%
5%
6.84%
5.00%
6.50%
9.00%
23,519.96
21,897.70
4,379.54
58,995.36
11,339.07
/ BANK OF INDIA
19
Particular
(` in million)
1,266.44
1,266.44
If investments in insurance subsidiaries are not deducted fully from capital and instead considered under 10%
threshold for deduction, the resultant increase in the capital of bank
of which: Increase in Common Equity Tier 1 capital
of which: Increase in Additional Tier 1 capital
of which: Increase in Tier 2 capital
26b
If investments in the equity capital of unconsolidated non-financial subsidiaries are not deducted and hence, risk
weighted then:
(i) Increase in Common Equity Tier 1 capital
(ii) Increase in risk weighted assets
44a
50
58a
Excess Additional Tier 1 capital not reckoned for capital adequacy (difference between Additional Tier 1 capital as
reported in row 44 and admissible Additional Tier 1 capital as reported in 44a)
4,379.54
of which: Excess Additional Tier 1 capital which is considered as Tier 2 capital under row 58b
Eligible Provisions included in Tier 2 capital
23,519.96
13,605.31
Total of row 50
37,125.27
Excess Tier 2 capital not reckoned for capital adequacy (difference between Tier 2 capital as reported in row 58 and
T2 as reported in 58a)
11,339.07
224
/ BANK OF INDIA
Table DF-12
Composition of Capital- Reconciliation Requirements
(Rs. in million)
Step -1
Balance sheet
as in financial
statements
As on
reporting date
A
i
ii
iii
iv
B
i
ii
iii
iv
v
vi
vii
6430.02
301,307.23
840.05
308,577.30
4,786,950.77
530,070.56
4,256,880.21
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
201,742.46
5,781,546.04
6430.02
301,452.41
617.41
308,499.41
4,787,210.25
530,070.56
4,257,139.68
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
179,311.31
5,759,519.14
Assets
Cash and balances with Reserve Bank of India
Balance with banks and money at call and short notice
Investments:
of which: Government securities
Of which: Other approved securities
192,878.57
424,724.48
1,164,897.43
1,008,514.15
1,442.74
192,867.30
424,662.38
1,145,034.36
1,003,739.24
11.65
of which: Shares
of which: Debentures & Bonds
of which: Subsidiaries
/ Joint Ventures / Associates
(Commercial Papers, Mutual Funds etc.)
of which: Others
Loans and advances
of which: Loans and advances to banks
of which: Loans and advances to customers
Fixed assets
Other assets
of which: Goodwill and intangible assets
of which: Deferred tax assets
Goodwill on consolidation
Debit balance in Profit & Loss account
Total Assets
16,489.58
86,494.58
10,135.52
41,820.87
3,726,714.60
342,192.58
3,384,522.02
58,201.87
214,129.08
1,322.23
5,781,546.04
8,969.76
83,862.83
11,335.52
37,115.38
3,726,700.54
342,192.58
3,384,507.95
58,131.88
212,122.68
1,322.23
5,759,519.14
225
/ BANK OF INDIA
Step 2
Balance sheet as in financial
statements
As on reporting date
i
ii
iii
iv
B
i
ii
Iii
Iv
v
Vi
Vii
Paid-up Capital
of which: of which:
Amount eligible for CET1
Amount eligible for AT1
Reserves & Surplus
Of which:
Statutory Reserves
Securities premium
Capital reserves:
Foreign Currency Translation Reserve
Revaluation reserve
Of which: eligible for CET1
Profit on sale of Investments - "Held to Maturity"
Others
Revenue and Other Reserves:
Special Reserve
Of which: eligible for CET1 (net of Tax)
Balance in profit & loss account
Minority Interest
Total Capital
Deposits
of which: Deposits from banks
of which: Customer deposits
of which: Other deposits (pl. specify)
Borrowings
of which: From RBI
of which: From banks
of which: From other institutions
& agencies
of which: Others (pl. specify)
of which: Capital instruments
Other liabilities & provisions
of which: DTLs related to
goodwill
of which: DTLs related to
intangible assets
Total
Assets
cash
and balances with Reserve Bank of India
Balance with banks and money at call and short notice
Investments
of which: Government securities
of which: Other approved Securities
Of Which Shares
of which: Debentures & Bonds
Of which: Subsidiaries/Joint Ventures/ Associates
Of which :- Others(Commercial Papers, Mutual Funds etc)
Loans and Advances
of which: Loans and advances to banks
of which: Loans and advances to customers
Fixed assets
Other assets
Of which: Goodwill and intangible assets
Of which: Deferred tax assets
Goodwill on Consolidation
Debit balance on Profit & Loss account
Total Assets
226
64300.02
64300.02
301,307.23
301,452.41
66,568.84
56,665.47
66,568.84
55,849.47
17,585.90
37,421.82
8,801.66
230.85
97,832.69
16,200.00
16,200.00
840.05
308,577.30
4,786,950.77
530,070.56
4,256,880.21
484,275.10
46,865.58
24,786.33
412,623.19
17,585.90
37,421.82
8,801.66
230.85
98,793.87
16,200.00
16,200.00
617.41
308,499.41
4,787,210.25
530,070.56
4,257,139.68
484,275.10
46,865.58
24,786.33
412,623.19
325,816.46
111,593.06
201,742.46
0
325,816.46
111,593.06
179,311.31
0
5,781,546.04
5,759,519.14
192,878.57
424,724.48
1,164,897.43
1,008,514.15
1,442.74
16,489.58
86,494.58
10,135.52
41,820.87
3,726,714.60
342,192.58
3,384,522.02
58,201.87
214,129.08
1,322.23
5,781,546.04
192,867.30
424,662.38
1,145,034.36
1,003,739.24
11.65
8,969.76
83,862.83
11,335.52
37,115.38
3,726,700.54
342,192.58
3,384,507.95
58,131.88
212,122.68
1,322.23
5,759,519.14
/ BANK OF INDIA
Step 3
Extract of Basel III common disclosure template (with added column) Table DF-11 (Part I / Part II whichever, applicable)
Common Equity Tier 1 capital: instruments and reserves
Component
of regulatory
capital
reported by
bank
1
Directly issued qualifying common share (and equivalent for non-joint stock companies)
capital plus related stock surplus
Retained earnings
Directly issued capital subject to phase out from CET1 (only applicable to non- joint stock
companies)
Common share capital issued by subsidiaries and held by third parties (amount allowed
in group CET1)
63,095.49
25,537.37
163,327.01
617.41
250,577.28
Table DF-13
Main Features of Regulatory Capital Instruments
1
Issuer
Bank of India
Bank of India
Bank of India
Bank of India
Bank of India
Bank of India
INE084A01016
INE084A09050
INE084A09068
INE084A09076
INE084A09084
INE084A09100
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Regulatory treatment
4
Common Equity
Tier 1
Tier 2
Tier 2
Tier 2
Tier 2
Tier 2
Common Equity
Tier 1
Ineligible
Ineligible
Ineligible
Ineligible
Ineligible
Solo and Group Solo and Group Solo and Group Solo and Group Solo and Group Solo and Group
Instrument type
Common
Shares
Lower Tier 2
Instruments
Lower Tier 2
Instruments
Lower Tier 2
Instruments
Lower Tier 2
Instruments
Lower Tier 2
Instruments
6,430,021
NIL
NIL
NIL
1,500
800
10
Accounting classification
11
NA
3,500
2,000
3,000
7,500
2,000
Equity Share
Capital
Various
Borrowings
Borrowings
Borrowings
Borrowings
Borrowings
23/01/2004
31/03/2004
23/02/2005
16/09/2005
20/03/2006
12
Perpetual or dated
Perpetual
Dated
Dated
Dated
Dated
Dated
13
NA
30/04/2014
30/04/2014
23/05/2014
16/04/2015
20/06/2016
14
No
No
No
No
No
No
15
NA
NA
NA
NA
NA
NA
16
NA
NA
NA
NA
NA
NA
Dividend
Coupon
Coupon
Coupon
Coupon
Coupon
17
NA
Fixed
Fixed
Fixed
Fixed
Fixed
Coupons / dividends
227
/ BANK OF INDIA
18
5.88%
5.90%
7.10%
7.50%
8.00%
19
NA
Yes
Yes
Yes
Yes
Yes
20
NA
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
21
No
No
No
No
No
No
22
Noncumulative or cumulative
NonCumulative
Cumulative
Cumulative
Cumulative
Cumulative
Cumulative
23
Convertible or non-convertible
NA
Nonconvertible
Nonconvertible
Nonconvertible
Nonconvertible
Nonconvertible
24
If convertible, conversion
trigger(s)
NA
NA
NA
NA
NA
NA
25
NA
NA
NA
NA
NA
NA
26
NA
NA
NA
NA
NA
NA
27
If convertible, mandatory or
optional conversion
NA
NA
NA
NA
NA
NA
28
NA
NA
NA
NA
NA
NA
29
NA
NA
NA
NA
NA
NA
30
Write-down feature
NO
No
No
No
No
No
31
If write-down, write-down
trigger(s)
NA
NA
NA
NA
NA
NA
32
NA
NA
NA
NA
NA
NA
33
If write-down, permanent or
temporary
NA
NA
NA
NA
NA
NA
34
If temporary write-down,
description of write-up
mechanism
NA
NA
NA
NA
NA
NA
35
Position in subordination
hierarchy in liquidation (specify
instrument type immediately
senior to instrument)
All other
depositors
and creditors
of the
Bank
All other
All other
All other
All other
All other
depositors
depositors
depositors
depositors
depositors
and creditors of and creditors of and creditors of and creditors of and creditors of
the Bank
the Bank
the Bank
the Bank
the Bank
Bank Bank
Bank Bank
Bank Bank
Bank Bank
Bank Bank
36
Non-compliant transitioned
features
No
Yes
Yes
Yes
Yes
Yes
37
NA
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
1
2
Issuer
Unique identifier (e.g. CUSIP,
ISIN or Bloomberg identifier for
private placement)
Bank of India
Bank of India
Bank of India
Bank of India
Bank of India
INE084A09118 INE084A09159 INE084A09175 INE084A09183 INE084A09209
Bank of India
INE084A09217
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Tier 2
Tier 2
Tier 2
Tier 2
Tier 2
Tier 2
Ineligible
Solo and
Group
Upper Tier 2
Capital
Instruments
Ineligible
Solo and Group
Upper Tier 2
Capital
Instruments
Ineligible
Solo and
Group
Upper Tier 2
Capital
Instruments
Ineligible
Solo and
Group
Upper Tier 2
Capital
Instruments
5,856
4,000
4,000
4,000
Regulatory treatment
4
5
6
228
Ineligible
Ineligible
Solo and Group Solo and Group
Upper Tier 2
Capital
Instruments
Upper Tier 2
Capital
Instruments
8,000
8,000
/ BANK OF INDIA
7,320
5,000
5,000
5,000
10,000
10,000
10
Accounting classification
Borrowings
Borrowings
Borrowings
Borrowings
Borrowings
Borrowings
11
31/07/2006
16/10/2008
28/07/2009
28/08/2009
20/01/2010
11/06/2010
12
Perpetual or dated
13
14
15
16
Dated
Dated
Dated
Dated
Dated
Dated
31/07/2021
16/10/2023
28/07/2024
28/08/2024
20/01/2025
10/06/2025
Yes
Yes
Yes
Yes
Yes
Yes
31/07/2016
16/10/2018
28/07/2019
28/08/2019
20/01/2020
11/06/2020
NA
NA
NA
NA
NA
NA
Coupon
Coupon
Coupon
Coupon
Coupon
Coupon
17
Fixed
Fixed
Fixed
Fixed
Fixed
Fixed
18
9.35%
11.15%
8.45%
8.50%
8.54%
8.48%
19
Yes
Yes
Yes
Yes
Yes
Yes
20
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
21
No
No
No
No
No
No
22
Noncumulative or cumulative
Cumulative
Cumulative
Cumulative
Cumulative
Cumulative
Cumulative
23
Convertible or non-convertible
Nonconvertible
Nonconvertible
Nonconvertible
Nonconvertible
Nonconvertible
Nonconvertible
24
NA
NA
NA
NA
NA
NA
25
NA
NA
NA
NA
NA
NA
26
NA
NA
NA
NA
NA
NA
27
If convertible, mandatory or
optional conversion
NA
NA
NA
NA
NA
NA
28
NA
NA
NA
NA
NA
NA
29
NA
NA
NA
NA
NA
NA
30
Write-down feature
No
No
No
No
No
No
31
NA
NA
NA
NA
NA
NA
32
NA
NA
NA
NA
NA
NA
33
If write-down, permanent or
temporary
NA
NA
NA
NA
NA
NA
34
If temporary write-down,
description of write-up mechanism
NA
NA
NA
NA
NA
NA
35
Position in subordination
hierarchy in liquidation (specify
instrument type immediately
senior to instrument)
36
Non-compliant transitioned
features
37
All other
depositors
and creditors
of the
Bank
All other
All other
All other
All other
depositors
depositors
depositors
depositors
and creditors of and creditors of and creditors of and creditors of
the Bank
the Bank
the Bank
the Bank
Bank Bank
Bank Bank
Bank Bank
All other
depositors
and creditors of
the Bank
Yes
Yes
Yes
Yes
Yes
Yes
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
229
/ BANK OF INDIA
Issuer
Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for private placement)
Bank of India
Bank of India
INE084A08037
INE084A08045
Indian Laws
Indian Laws
Regulatory treatment
4
Instrument type
Tier 2
Tier 2
Eligible
Eligible
Tier 2 Debt
Instruments
10,000
5,000
10,000
5,000
10
Accounting classification
Borrowings
Borrowings
25/09/2013
30/09/2013
11
12
Perpetual or dated
13
14
Dated
Dated
25/09/2023
30/09/2023
No
No
15
NA
NA
16
NA
NA
Coupon
Coupon
Coupons / dividends
17
Fixed
Fixed
18
9.80%
9.80%
19
20
Yes
Yes
Fully
Discretionary
No
Fully
Discretionary
No
21
22
Noncumulative or cumulative
Non-Cumulative Non-Cumulative
23
Convertible or non-convertible
Nonconvertible
Nonconvertible
24
NA
NA
25
NA
NA
26
NA
NA
27
NA
NA
28
NA
NA
29
NA
NA
Yes
Yes
30
Write-down feature
31
32
33
34
35
36
37
230
NA
NA
All other
depositors
and creditors
of the
Bank
All other
depositors
and creditors of
the Bank
Basel III
Basel III
No Loss
Absorption
Feature
No Loss
Absorption
Feature
/ BANK OF INDIA
1
Issuer
BOI
INE084A09126
INE084A09134
BOI
BOI
BOI
BOI
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Indian Laws
Additional
Tier 1
Additional
Tier 1
Additional
Tier 1
Additional
Tier 1
Additional
Tier 1
Additional
Tier 1
Additional
Tier 1
Solo and
Group
Additional
Tier 1
Solo and
Group
Additional
Tier 1
Solo and Group
Regulatory treatment
4
Instrument type
Additional
Additional
Additional
Tier 1
Tier 1
Tier 1
Solo and Group Solo and Group Solo and Group
Perpetual Debt
Instrument
Perpetual Debt
Instrument
Perpetual Debt
Instrument
3,200
800
1,240
4,000
10
Accounting classification
Borrowing
2,600
1,000
1,550
4,000
3,250
Borrowing
Borrowing
Borrowing
Borrowing
Perpetual Debt
Instrument
2,400
3,000
Borrowing
11
27.07.2007
27.09.2007
11.10.2007
10.02.2009
09.12.2009
12
Perpetual or dated
Perpetual
Perpetual
Perpetual
Perpetual
Perpetual
Perpetual
13
Perpetual
Perpetual
Perpetual
Perpetual
Perpetual
Perpetual
14
Yes
Yes
Yes
Yes
Yes
Yes
Call Option
Date
27.07.2017
Redemption at
Par
Call Option
Date
27.09.2017
Redemption at
Par
Call Option
Date
11.10.2017
Redemption at
Par
Call Option
Date
10.02.2019
Redemption
at Par
Call Option
Date
09.12.2019
Redemption
at Par
Call Option
Date
09.09.2020
Redemption at
Par
after
09.12.2019
after
27.07.2017
15
16
17
18
19
20
22
23
Convertible or non-convertible
24
25
Coupons / dividends
21
09.09.2010
Coupon
Fixed
Coupon
Fixed
Coupon
Fixed
Coupon
Fixed
Coupon
Fixed
Coupon
Fixed
Before Call
10.55% if call
not exercised
11.05%
Before Call
10.45% if call
not exercised
10.95%
Before Call
10.40% if call
not exercised
10.90%
Before Call
8.90% if call
not exercised
9.40%
Before Call
9.00% if call
not exercised
9.50%
Before Call
9.05% if call
not exercised
9.55%
Yes
Yes
Yes
Yes
Yes
Yes
Partially
Discretionary
Partially
Discretionary
Partially
Discretionary
Partially
Discretionary
Partially
Discretionary
Partially
Discretionary
Yes
Yes
Yes
Yes
Yes
Yes
Non
Cumulative
Non
Cumulative
Non Cumulative
Non
Convertible
Non
Convertible
Non
Convertible
Non
Convertible
Non Convertible
If convertible, conversion
trigger(s)
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
26
NA
NA
NA
NA
NA
NA
27
If convertible, mandatory or
optional conversion
NA
NA
NA
NA
NA
NA
231
/ BANK OF INDIA
28
29
30
31
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
No
No
No
No
No
No
If write-down, write-down
trigger(s)
NA
NA
NA
NA
NA
NA
32
NA
NA
NA
NA
NA
NA
33
If write-down, permanent or
temporary
NA
NA
NA
NA
NA
NA
34
If temporary write-down,
description of write-up
mechanism
NA
NA
NA
NA
NA
NA
Perpetual Debt
Instruments
Perpetual Debt
Instruments
Perpetual Debt
Instruments
Yes
Yes
Yes
Yes
Yes
Yes
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
No Loss
Absorption
Feature
35
36
37
Position in subordination
hierarchy in liquidation (specify
instrument type immediately
senior to instrument)
Non-compliant transitioned
features
If yes, specify non-compliant
features
Perpetual Debt
Instruments
Issuer
Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for private placement)
XS0268226536
English
Regulatory treatment
4
Tier 2
Eligible
Instrument type
Upper Tier 2
10
Accounting classification
[Debt]
11
14 Sep 2016
12
Perpetual or dated
Dated
13
22 Sep 2021
14
Yes
15
22 Sep 2016
16
Coupons / dividends
17
Fixed
18
6.625%
19
NA
20
Partially discretionary
21
Step up
22
Noncumulative or cumulative
Cumulative
23
Convertible or non-convertible
Non convertible
24
NA
25
NA
26
NA
232
/ BANK OF INDIA
27
NA
28
NA
29
NA
30
Write-down feature
NA
31
NA
32
NA
33
NA
34
NA
35
36
Yes
37
Issuer
Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for private placement)
XS0294208235
English
Regulatory treatment
4
[ AT 1 ]
[ Eligible ]
Instrument type
10
Accounting classification
[Debt]
11
27 March 07
12
Perpetual or dated
Perpetual
13
NA
14
Yes
15
3 April 2017
16
USD 85 million
Coupons / dividends
17
Fixed
18
6.994%
19
NA
20
Partially discretionary
21
Step up
22
Noncumulative or cumulative
Non cumulative
23
Convertible or non-convertible
Non convertible
24
NA
25
NA
26
NA
27
NA
28
NA
29
NA
30
Write-down feature
NA
233
/ BANK OF INDIA
31
NA
32
NA
33
NA
34
NA
35
36
Yes
37
Table DF 14
Full terms and Condition of Regulatory Capital Instrument
234
/ BANK OF INDIA
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gH$n H$mo AmemoYZm| Ho$ gmW AWdm CgHo$ {~Zm nm[aV H$aZo hoVw:
`h gH$n {H$`m OmVm h {H$ ~H$H$mar H$nZr (CnH$m| H$m AOZ Ed AVaU)
A{Y{Z`, 1970 (A{Y{Z` ), am>r`H$V ~H$( ~YZ Ama {d{dY mdYmZ)`moOZm,
1970 (`moOZm) Ama ~H$ Am$ B{S>`m (eo`g ES> {qQ>g) {d{Z`Z, 2007
Ho$ mdYmZm| Ho$ AZwgaU | Ama ^maVr` [aOd ~H$ (Ama~rAmB), ^maV gaH$ma
(OrAmoAmB), ^maVr` {V^y{V Ed {d{Z` ~moS> (go~r) Ama/AWdm Bg ~mao | `Wm
Ano{jV {H$gr A` m{YH$aU Ho$ AZwmoXZm|, g{V`m|, drH${V`m|, `{X H$moB hm|,
Ho$ A`YrZ Ed Eogr eVm], {Z~YZm| Ama AmemoYZm| Ho$ A`YrZ Omo Eogo AZwmoXZ
H$s drH${V | CZHo$ mam `Wm {d{hV {H$E OmE Ama {OgHo$ {bE ~H$ Ho$ {ZXoeH$
~moS> mam gh{V XmZ H$s OmE Ama go~r (B`y Am$ H${nQ>b ES> {S>gbmoOa
[adm`a|Qg) {d{Z`Z, 2009 (go~r-AmBgrS>rAma {d{Z`Z)/ {Xem{ZX}e Ed
g`-g` na Ama~rAmB Ed A` g~pYV m{YH$aUm| mam {d{hV {d{Z`m| Ama
Eogo Q>mH$ EgM|O Ho$ gmW {H$E JE gyMr~Vm H$amam| Ohm ~H$ Ho$ B{$Q>r eo`a
gyMr~ h,~H$ Ho$ eo`aYmaH$m| H$s gh{V h Ed BgHo$ mam ~H$ Ho$ {ZXoeH$ ~moS>
(BgHo$ nMmV Bgo ~moS> H$hm OmEJm {Og| Eogr H$moB g{{V ^r em{b gPr
OmEJr Omo Bg gH$n mam Xm A{YH$mam| g{hV BgHo$ A{YH$mam| H$m `moJ H$aZo Ho$
{bE J{R>V hmo AWdm BgHo$ nmV J{R>V H$s J`r hmo) ^maV AWdm {dXoe | Vmd
XVmdoO/{ddaU n AWdm Eogo A` XVmdoO Ho$ mam Am$a, B`y Ama Am~{Q>V
(gWmd Ho$ Am~Q>Z na AmajU Ho$ {bE mdYmZ Ama/AWdm {ZJ Ho$ Eogo ^mJ
Ho$ {VnYmH$ AmYma Ama Cg g` bmJy H$mZyZ mam AZwV Eogo `{$`m| H$s
loUr ^r em{b)
H$) bmJy r{` na ` 10 `oH$ Ho$ A{H$V y` Ho$ 14 H$amoS> VH$ Ho$ B{$Q>r
eo`a Ho$ gmW mOyXm nS>-An B{$Q>r eo`a nyOr Omo ~H$ Ho$ ` 3000 H$amoS>
Ho$ Hw$b m{YH$V nyOr Ho$ AXa hmoJm, ~H$H$mar H$nZr (CnH$m| H$m AOZ
Ed AVaU) A{Y{Z`, 1970 H$s Ymam 3 (2E) Ho$ AZwgma ~H$ H$s
m{YH$V nyOr H$s grm h AWdm ^{d` | A{Y{Z` ~ZZo dmbo {H$gr
gemoYZ (`{X hmo) Ho$ AZwgma d{YV mYrH$V nyOr, Bg H$ma go {H$
Ho$r` gaH$ma H$s ha g` nS>-An B{$Q>r nyOr H$s H$ go H$ 51%
Ym[aVm ahoJr Mmho dh ~mOma y` | Ny>Q> AWdm r{` na hmo&
NOTICE
NOTICE is hereby given that the Eighteenth Annual General Meeting
of the Shareholders of Bank of India will be held on Thursday, July10,
2014 at 3.00 P.M. at Bank of India Auditorium, Star House, Bandra Kurla
Complex, Bandra (East) Mumbai 400 051 to transact the following
business:
Item No. 1
To discuss, approve and adopt the Audited Balance Sheet as at 31st
March 2014, Profit and Loss Account of the Bank for the year ended
31st March 2014, Report of the Board of Directors on the working and
activities of the Bank for the period covered by the Accounts and the
Auditors Report on the Balance Sheet and Accounts
Item No. 2
To confirm payment of Interim Dividend declared and paid for the
Financial Year ended 31st March 2014.
Item No. 3
To consider and if thought fit, to pass, with or without modification, the
following resolution as a Special Resolution:
RESOLVED THAT pursuant to the provisions of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970 (Act),
The Nationalised Banks (Management and Miscellaneous Provisions)
Scheme, 1970 (Scheme) and the Bank of India (Shares and Meetings)
Regulations, 2007 and subject to the approvals, consents, sanctions,
if any, of the Reserve Bank of India (RBI), the Government of India
(GOI), the Securities and Exchange Board of India (SEBI), and / or
any other authority as may be required in this regard and subject to
such terms, conditions and modifications thereto as may be prescribed
by them in granting such approvals and which may be agreed to by
the Board of Directors of the Bank and subject to the regulations viz.,
SEBI(Issue of Capital and Disclosure Requirements) Regulations, 2009
(ICDR Regulations) / guidelines, if any, prescribed by the RBI, SEBI,
notifications/circulars and clarifications under the Banking Regulation
Act, 1949, Securities and Exchange Board of India Act, 1992 and all
other applicable laws and all other relevant authorities from time to
time and subject to the Listing Agreements entered into with the Stock
Exchanges where the equity shares of the Bank are listed, consent of
the shareholders of the Bank be and is hereby accorded to the Board
of Directors of the Bank (hereinafter called the Board which shall be
deemed to include any Committee which the Board may have constituted
or hereafter constitute to exercise its powers including the powers
conferred by this Resolution) to create, offer, issue and allot (including
with provision for reservation on firm allotment and/or competitive
basis of such part of issue and for such categories of persons as may
be permitted by the law then applicable) by way of an offer document/
prospectus or such other document, in India or abroad
a) Upto 14 Crore equity shares of the face value of ` 10 each for
cash at such premium which together with the existing Paid-up
Equity share capital shall be within the total authorized capital
of `3000 crore of the bank, being the ceiling in the Authorised
Capital of the Bank as per Section 3(2A) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act,
1970 or to the extent of enhanced Authorised Capital as per the
Amendment (if any), that may be made to the Act in future, in
such a way that the Central Govt. shall at all times hold not less
than 51% of the paid-up Equity capital of the Bank, whether at
a discount or premium to the market price,
235
/ BANK OF INDIA
236
/ BANK OF INDIA
`h ^r gH$n> nm[aV {H$`m OmVm h {H$ Bg gH$nV H$mo ^mdr ~ZmZo Ho$ Co`
go ~moS>, A~ Ama BgHo$ mam Eogo g^r `dhmam|, H$m`m], mbm| Ama ~mVm| Ho$ {bE
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Amd`H$, dmN>Zr` AWdm C{MV hmo, g^r XVmdoO Ama boIZ H$mo A{V $n XoZo
Ama {Znm{XV H$aZo, Ogm {H$ gnyU {ddoH$m{YH$mar | C{MV, ghr AWdm dmN>Zr`
hmo {Og| eo`aYmaH$m| go AmJo AZwmoXZ AWdm gh{V boZo H$s Amd`H$Vm Z hmo
AWdm BgHo$ {bE A{YH$V hmo Ama Bg `moOZ hoVw eo`aYmaH$m| Zo gH$n$Ho$ m{YH$ma
go n> $n go BgHo$ {bE AnZm AZwmoXZ {X`m hmo!
`h ^r gH$n nm[aV {H$`m OmVm h {H$ Cn`w$ gH$n H$mo ^mdr ~ZmZo Ho$ {bE
{ZXoeH$ S>b H$mo BgHo$ mam XV g^r `m {H$gr A{YH$mar H$mo ~H$ Ho$ A`j Ed
~Y {ZXoeH$ AWdm H$m`nmbH$ {ZXoeH$ (H$mo) H$mo `m`mo{OV H$aZo hoVw m{YH$V
{H$`m OmVm h
{ZXomH$ S>b Zmo{Q>g | CopIV gH$nm| H$mo nm[aV H$aZo hoVw gVwVr H$aVo h&
~H$ Ho$ {ZXoeH$JU Cnamo$ gH$n (nmo) go g~ `m {hV~ Zht h, do Cgr grm
VH$ g~ `m {hV~ h {Og grm VH$ ~H$ | CZH$s eo`aYm[aVm h&
WmZ : w~B
{XZmH$ : 30 B, 2014
Place: Mumbai
237
`h ^r gH$nV nm[aV {H$`m OmVm h {H$ Cn`w$m H$mo ^mdr ~ZmZo Ho$ Co` go ~moS>,
AJUr ~YH$,AS>a amBQ>a,gbmhH$ma Ama AWdm ~H$ mam {Z`w$ A` `{$`m| H$s
gbmh go A~ Ama EVmam B`y (Am|) Ho$ H$ma Ama eV {ZYmaU Ho$ {bE m{YH$V
h {Og| eo`a Am~{Q>V H$aZo Ho$ {bE {ZdoeH$m| Ho$ dJ, `oH$ ^mJ | Am~{Q>V hmoZo
dmbo eo`am|/A{YmZr eo`am| /So>Q> {V^y{V`m| H$s g`m, {ZJ y` (r{`,AJa
H$moB g{hV) A{H$V y`, {V^y{V`m| Ho$ {ZJ /n[adVZ /dmaQ>m| Ho$ {ZnmXZ
/{V^y{V`m| Ho$ moMZ, `mO Xa, moMZ Ad{Y, B{$Q>r eo`am|/A{YmZr eo`am| H$s
g`m `m {V^y{V`m| Ho$ n[aMVZ `m moMZ `m arH$aU na A` {V^y{V`m|, y`,
{V^y{V`m| Ho$ {ZJ/n[adVZ na r{` `m ~>m `mO Xa, n[adVZ Ad{Y [aH$mS>
VmarI `m ~hr ~Xr Ho$ {ZYmaU Ama g~{YV `m mg{JH$ mbo, ^maV Ama AWdm
{dXoe | EH$ go A{YH$ Q>mH$ EgM|O | {bpQ>J {H$`m OmZm em{b h, Ogm {H$
~moS> AnZo nyU {ddoH$ | C{MV gPo&
`h ^r gH$n nm[aV {H$`m OmVm h {H$ ~moS> Ho$ A{YH$ma h Ama EVXmam m{YH$V
{H$`m OmVm h {H$ dh {H$gr AJUr ~YH$,~H$a hmrXma,{S>nm{OQ>ar, a{OQma,
boImnarjH$ Ama eo`a/A{YmZr eo`a/So>Q> {V^y{V`m Am$a H$aZo go g~{YV g^r
EOopg`m| Ho$ gmW A^r Eogr `adWmAm| H$m {ZnmXZ H$a| Ama g^r Eogr gWmAm|
Ed EOopg`m| H$mo H$reZ, ~moH$aoO, ewH$ Am{X H$s {Vny{V H$ao Ama Eogr EOopg`m|
Ho$ gmW g^r Eogr `dWmAm| H$mo {Znm{XV H$a|!
(Mrs. V. R. Iyer)
Chairperson & Managing Director
/ BANK OF INDIA
{Q>n{Um :
1. namojr H$s {Z`w{$
~R>H$ | ^mJ boZo VWm VXmZ Ho$ hH$Xma eo`aYmaH$ AnZo WmZ na ^mJ boZo
VWm VXmZ hoVw EH$ namojr AWdm A{YH$V {V{Z{Y {Z`w$ H$a gH$Vo h&
namojr $m H$mo ^mdr ~ZmZo Ho$ {bE g~{YV $m Cg| {ZYm[aV WmZ na
dm{fH$ Am ~R>H$ Ho$ H$ go H$ 4 (Mma) {XZ nyd AWmV e{Zdma {XZmH$ 05
OwbmB, 2014 H$mo `m Cggo nhbo ~H$ Ho$ H$mH$mO Ho$ g` Ho$ gm hmoZo go
nhbo Ad` m hmo OmZm Mm{hE&
2. m{YH$V {V{Z{Y H$s {Z`w{$
H$moB ^r `{$, Omo {H$gr Eogr H$nZr `m A` {H$gr {ZH$m`-H$nZr Omo ~H$ H$s
eo`aYmaH$ h, H$m {d{YdV m{YH$V {V{Z{Y h, mam Am ~R>H$ Ho$ {XZmH$
go 4 (Mma) {XZ nhbo, AWmV e{Zdma {XZmH$ 05 OwbmB, 2014 H$mo `m Cggo
nhbo ~H$ Ho$ H$mH$mO Ho$ g` Ho$ gm hmoZo go nhbo ~H$ Ho$ YmZ H$m`mb`
|, {Og ~R>H$ | Cgo m{YH$V {V{Z{Y Ho$ n | {Z`w$ H$aZo H$m gH$n nm[aV
{H$`m J`m Wm, Ho$ A`j mam C$ gH$n H$s m{UV g` {V{b{n `{X
VwV Zht H$s OmVr h Vmo Cgo ~R>H$ | CnpWV ahZo H$m, V XoZo H$m A{YH$ma
Zht hmoJm&
3. boIm~Xr
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Ed bm^me Ho$ ^wJVmZ Ho$ {bE nmVm A{^{Z{V H$aZo Ho$ Co` go {XZmH$ 05
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4. nVo | n[adVZ
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{OZHo$ nmg eo`a `j n | h, Ch| AnZo nVo | n[adVZ H$s gyMZm ~H$ Ho$
nOr`H$ Ed eo`a AVaU EO|Q> H$mo {ZZ{bpIV nVo na XoZr Mm{hE:
ogg eo`amo g{dgog (B{S>`m) m.{b.
`y{ZQ > ~H$ Am$ B{S>`m,
13, E ~r, g{hVm do`ahmCqgJ H$mnbog,
gmH$sZmH$m Q>obr$moZ EgM|O boZ,
AYoar Hw$bm amoS>, gmH$sZmH$m, AYoar nyd,
w~B -400 072.
$moZ- 022-67720300/67720400
$g- 022-28591568
B ob : boi@shareproservices.com
5. CnpW{V nMu-gh-doen
eo`aYmaH$m| H$s gw{dYm Ho$ {bE CnpW{V nMu-gh-doen Bg [anmoQ> Ho$ gmW
gb h& eo`aYmaH$m|/namo{j`m|/{V{Z{Y`m| go AZwamoY h {H$ do {ZYm[aV WmZ
na hVmja H$a| Ama ~R>H$ Wb na CnpW{V nMu-gh-doen gwnwX H$a
X|& eo`aYmaH$ Ho$ namojr/{V{Z{Y H$mo CnpW{V nMu-gh-doen | namojr
AWdm {V{Z{Y | go dh {Og n | CnpWV hmo aho hm| CgH$m CoI H$a XoZm
Mm{hE&
6. AXmdmH$V bm^me `{X H$moB hmo
do eo`aYmaH$ {Ohm|Zo AnZo bm^me dmaQ> A^r VH$ Zht ^wZmE h `m Ch|
nhbo H$s Ad{Y Ho$ H$moB dmaQ> A^r VH$ Zht {bo h Vmo CZgo AZwamoY h {H$
do dmaQ> H$s AZw{b{n Omar H$aZo Ho$ {bE AVaU EO|Q> go gnH$ H$a|& ~qH$J
H$nZr (A{YJhU Ed CnH$m| H$m AVaU) A{Y{Z`, 1970 H$s Ymam 10 ~r
Ho$ AZwgma bm^me H$s gmV df VH$ AXm am{e `m AXmdmH$V am{e H$nZr
A{Y{Z`, 1956 H$s Ymam 205-gr Ho$ AVJV H|$ gaH$ma mam J{R>V BdoQa
EOwHo$eZ ES> moQ>oeZ $S> | AV[aV H$aZr hmoVr h&
APPOINTMENT OF PROXY
2.
3.
BOOK CLOSURE
4.
CHANGE OF ADDRESS
5.
For the convenience of the shareholders, Attendance slip-cumEntry pass is annexed to this Report. Shareholders/ Proxy holders/
representatives are requested to affix their signatures at the space
provided therein and surrender the Attendance slip- cum-Entry pass
at the venue. Proxy/Representative of a shareholder should state on
the Attendance slip-cum-Entry pass Proxy or Representative as
the case may be.
6.
238
/ BANK OF INDIA
8. E-Voting
9.
E-voting Instructions
(i) The voting rights of Shareholders shall be in proportion to their
shares of the paid up equity share capital of the Bank as on
May 23rd 2014 (Cut-off Date) fixed for the purpose.
(ii) The voting period will commence at 10.00 a.m. on Friday, 4th
July, 2014 and will end at 5.00 p.m. on Sunday 6th July, 2014.
The e-voting module shall also be disabled by NSDL at 5.00
p.m. on the same day.
(iii) If you are already registered with NSDL for e-voting then you
can use your existing user ID and password for casting your
vote.
(iv) Initial password is provided as below at the bottom of this
communication.
(v) Launch internet browser by typing the following URL: https://
www.evoting.nsdl.com/
(vi) Click on Shareholder - Login.
(vii) Insert user ID and password as initial password as given in (iv)
above. Click Login.
(viii) Password change menu appears. Change the password
with new password of your choice with minimum 8 digits/
characters or combination thereof. Note new password. It is
strongly recommended not to share your password with any
other person and take utmost care to keep your password
confidential.
(ix) Home page of e-Voting opens. Click on e-Voting: Active Voting
Cycles.
(x) Select EVEN of 100278.
(xi) Now you are ready for e-Voting as Cast Vote page opens.
(xii) Cast your vote by selecting appropriate option and click on
Submit and also Confirm when prompted.
(xiii) Upon confirmation, the message Vote cast successfully will
be displayed
(xiv) Once you have voted on the resolution, you will not be allowed
to modify your vote
(xv) Institutional shareholders (i.e. other than individuals, HUF, NRI
etc.) are required to send scanned copy (PDF/JPG Format) of
the relevant Board Resolution/ Authority Letter etc. together
with attested specimen signature of the duly authorized
signatory(ies) who are authorized to vote, to the Scrutinizer
through e-mail at scrutinizer@snaco.net with a copy marked to
evoting@nsdl.co.in.
239
/ BANK OF INDIA
xvi) EH$
After the agenda item has been discussed, the Chairperson will
order Poll in respect of both the items. Poll will be conducted and
supervised under Scrutinizers to be appointed for the purpose. After
conclusion of the Poll, the Chairperson may declare the meeting
as closed. The Results of the Poll aggregated with the results of
e-voting will be announced by the Bank in its website and also
informed to the stock exchanges.
Amount
` In Crores
3,47,702
23,770
1,389
25,159
9,499
34,659
240
K) ~H$ {dJV H$B dfm] go 20% Ho$ AmgV d{ Xa Ho$ gmW VoOr go AmJo ~T> ahm
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Vm{dV A{YmZr B`y Ho$ Co` :
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gaH$ma H$m Vmd h& Bg H$ma A{OV nyOr H$m `moJ, ~H$m| H$s nyOr n`mVm ~T>mZo
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Bg nyOr n`mVm H$mo AmV[aH$ OZaoeZ Ed Bg {df` na Ama~rAmB Ama go~r Ho$
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AZwHw$bVm Ed A{YH$ma XmZ H$a|&
{ZXoeH$ S>b Zmo{Q>g | C{pIV gH$n H$mo nm[aV H$aZo H$s gVw{V H$aVo h&
~H$ Ho$ H$moB ^r {ZXoeH$ Cnamo$ gH$n(nm|) | {MYmaH$ AWdm g~ Zht h&
/ BANK OF INDIA
of 20% over the last many years. In order to meet the growing
requirement of funds for expanding the business by way of long
term resources and for general lending purpose as may be decided
by the Board, the Bank proposes to raise funds by way of Qualified
Institutions placement/ Follow on public officer / Private placement
of Equity Shares, Tier-I Bonds, Tier-II Bonds, Preference Shares
in accordance with Securities and Exchange Board of India (Issue
of Capital and Disclosure Requirements) Regulations 2009 and as
e)
With a view to comply with Basel (II & III) requirements relating to
capital adequacy, there is an ever increasing need to raise capital.
The capital raised would utilize to shore up the capital adequacy of
the Bank and to fund the general business needs of the Bank.
f)
For reasons aforesaid, the enabling resolution as set out in item No.
3 of the accompanying notice is therefore recommended to provide
adequate flexibility and discretion to the Board to finalize the terms
of the issue(s).
Place: Mumbai
Date: 30th May, 2014
241
WmZ : w~B
{XZmH$ : 30 B, 2014
(Mrs. V. R. Iyer)
Chairperson & Managing Director
/ BANK OF INDIA
242
/ BANK OF INDIA
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W /EH$m eo`aYmaH$ Ho$ hVmja
namojr $m na hVmja H$aZo Ama Bgo Om H$aZo g~Yr AZwXoe
1. H$moB namojr {bIV V~ VH$ dY Zht mZr OmEJr O~ VH$ {H$ dh,
H$. EH$m eo`aYmaH$ `{$ Ho$ mbo | eo`aYmaH$ mam `m CZHo$ mam {bpIV | {d{YdV m{YH$V AQ>Zu mam hVmaj[aV Zht hmoJr&
I. g`w$ YmaH$m| Ho$ mbo |, `h a{OQ>a | XO W eo`aYmaH$ mam `m CZHo$ mam {bpIV $n | {d{YdV m{YH$V AQZu mam hVmj[aV Zht hm|&
J. {ZJ{V {ZH$m` Ho$ mbo | {bpIV $n | {d{YdV m{YH$V A{YH$mar `m AQZu mam hVmaj[aV Zht hmoJr&
2. namojr {bIV {H$gr eo`aYmaH$ mam n`m $n go hVmj[aV hmoZr Mm{hE {H$Vw {H$gr H$maUde eo`aYmaH$ AnZm Zm {bIZo | AgW h Ama CZHo$ AJyR>o H$m {ZemZ
dhm bJm h Vmo dh {ZemZ `m`Yre, {OQoQ>, ~rm a{OQma `m Cn a{OQma `m {H$gr A` gaH$mar amOn{V A{YH$mar `m ~H$ Am$ B{S>`m Ho$ {H$gr A{YH$mar
mam gm`m{H$V (AQ>oQ>oS>) hmoZm Mm{hE&
3. H$moB ^r namojr V~ VH$ dY Zht hmoJm O~ VH$ Cg na {d{YdV agrXr {Q>H$Q> Z bJm hmo Ama Cgo {ZZV{bpIV nVo na dm{fH$ Am ~R>H$ H$s VmarI go H$ go H$
Mma {XZ nhbo Om Zht H$am`m J`m hmo& CgHo$ gmW Cg nmda Am$ AQ>Zu `m A` m{YH$ma (`{X H$moB hmo) {OgHo$ VhV Cgo hVmj[aV {H$`m J`m hmo `m Cg nmda
Am$ AQ>Zu H$s {V `m A` m{YH$ma {Ogo ZmoQ>ar AWdm `m`mYre Zo g` {V Ho$ n | m{UV {H$`m hmo, H$mo ~H$ | nhbo Om Ama nOrH$V Z {H$`m J`m hmo&
~H$ Am$ B{S>`m, {ZdoeH$ gnH$ {d^mJ, YmZ H$m`mb`, 8 dt {Ob, Q>ma hmCg, gr-5, Or bmH$, ~mm-Hw$bm gHw$b, ~mm (nyd),
w~B 400 051.
4. ~H$ Ho$ nmg Om H$s J`r namojr H$s {bIV A{VghaUr` VWm A{V hmoJr&
5. {dH$n | Xmo `m{$`m| Ho$ nj | Xm namojr H$s {bIV Ho$ mbo | EH$ go A{YH$ $m {Znm{XV Zht {H$`m OmEJm&
6. namojr H$s {bIV H$mo {Znm{XV H$aZo dmbo eo`aYmaH$ dm{fH$ Am ~R>H$ | `{$JV $n go VXmZ H$aZo Ho$ hH$Xma Zht hm|Jo&
7. {H$gr ^r Eogo `{$ H$mo {d{YdV m{YH$V {V{Z{Y AWdm namojr Ho$ $n | {Z`w$ Zht {H$`m OmEJm Omo ~H$ Am$ B{S>`m H$m A{YH$mar AWdm H$Mmar hmo&
243
/ BANK OF INDIA
BANK OF INDIA
Head Office: Star House, C-5, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400 051.
PROXY FORM
(To
Folio No.
(if not dematerialized)
DP ID
Client ID
(if dematerialized)
in the district of
I/We, resident of
in the state of
being a shareholder/shareholders of Bank of
resident of
in the state of
in the
Resident of
in the state of
as my/our proxy to vote for me/us
and on my/our behalf at the Meeting of the Shareholders of Bank of India to be held on the July 10th, 2014 and at any
adjournment thereof.
Signed this
day of
2014.
Name :
Revenue
Stamp
Address:
2.
3.
4.
5.
6.
7.
244
"
/ BANK OF INDIA
CnpW{V nMu
eoam| H$s gm
No. of Shares
"
"
doe n
(nyar ~R>H$ Ho$ XmamZ AnZo nmg aIm OmE)
ENTRY PASS
(To be retained throughout the meeting)
"
245
eoam| H$s gm
No. of Shares
/ BANK OF INDIA
2013-14
2013-14.
246
/ BANK OF INDIA
ZmoQ>g
Notes
247
/ BANK OF INDIA
ZmoQ>g
Notes
248