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Yeejleere ms yeQke kee 31 ceee& 2013 keer eqmLeefle kes Devegmeej (mecesefkele) legueve-he$e
Devegmeteer
meb.
Sch. No.
684,03,40
671,04,48
124348,98,77
105558,96,85
4253,86,10
3725,66,87
1627402,61,19
1414689,40,11
203723,19,69
157991,35,95
172745,64,53
147319,72,65
2133158,33,68
1829956,16,91
89574,03,11
79199,20,61
55653,69,49
48391,62,24
519393,19,04
460949,13,77
1392608,03,33
1163670,20,54
10
9369,92,56
7407,96,51
11
66559,46,15
70338,03,24
TOTAL
2133158,33,68
1829956,16,91
12
1056488,59,99
937155,49,74
80201,66,95
80410,04,83
Minority Interest
Deposits
GOeej
Borrowings
eesie
TOTAL
DeeefmleeeB / ASSETS
vekeoer Deewj Yeejleere efj]peJe& yeQke ceW peceejeefMeeeB
yeQkeeW ceW peceejeefMeeeB Deewj ceeBie leLee Deuhe metevee hej heehe Oeve
efveJesMe
Investments
Deefiece
Advances
Deeue DeeeqmleeeB
Fixed Assets
Deve DeeeqmleeeB
Other Assets
eesie
17
18
DeuHeebMe efnle
peceejeefMeeeB
DevegmetefeeeB
SCHEDULES
Devegmeteer 1 - hetbpeer
SCHEDULE 1 - CAPITAL
31.03.2013 keer efmLeefle
kes Devegmeej (eeuet Je<e&)
5000,00,00
5000,00,00
684,11,70
671,12,83
684,03,40
671,04,48
684,03,40
671,04,48
heeefOeke=le hetbpeer
` 10 heefle Mesej oj Jeeues 500,00,00,000 Mesej (efheues Je<e&
500,00,00,000)
Authorised Capital
500,00,00,000 (Previous Year 500,00,00,000) equity shares of ` 10/- each
efveie&efcele hetbpeer :
` 10 heefle Mesej oj Jeeues 68,41,17,046 F&efkeJeer Mesej (efheues Je<e&
67,11,28,349)
Issued Capital
68,41,17,046 (Previous Year 67,11,28,349) equity shares of ` 10/- each
eesie
TOTAL
(000s omitted)
31.03.2013 keer
efmLeefle
kes Devegmeej (eeuet Je<e&)
DeLeMes<e
31.03.2012 keer
efmLeefle
kes Devegmeej (efHeuee Je<e&)
Statutory Reserves
Opening Balance
43449,97,27
38996,30,40
5371,47,28
4453,66,87
48821,44,55
43449,97,27
DeLeMes<e
Opening Balance
Additions during the year
Deductions during the year
2125,44,35
2092,59,31
87,62,49
32,85,04
2213,06,84
2125,44,35
(000s omitted)
DeLeMes<e
Opening Balance
Additions during the year
Deductions during the year
28513,84,58
20658,58,29
2991,08,00
7864,05,01
3,72,77
31501,19,81
8,78,72
28513,84,58
DeLeMes<e
Opening Balance
Additions during the year
Deductions during the year
2845,50,56
749,92,64
1168,82,55
2095,57,92
4014,33,11
2845,50,56
DeLeMes<e
Opening Balance
Additions during the year ##
Deductions during the year
27731,45,92
19815,92,40
8682,21,22
7935,25,66
37,26,62
eesie
Total
36376,40,52
27731,45,92
1422,53,94
892,74,17
124348,98,77
105558,96,85
# FmeceW meceskeve Hej Hetbpeeriele Deejef#ele efveefOe `139,23,28 npeej (efHeues Je<e& ` 1,39,23,28 npeej) Meeefceue nw
## meceskeve meceeeespeveeW kees Ieekej
# includes Capital Reserve on consolidation ` 139,23,28 thousand (Previous Year ` 139,23,28 thousand)
## net of consolidation adjustments
19,72,14
Devegmeteer 3 - peceejeefMeeeB
SCHEDULE 3 - DEPOSITS
31.03.2013 keer efmLeefle
kes Devegmeej (eeuet Je<e&)
8201,96,41
7598,17,42
(ii) DeveeW mes
From Others
127793,49,18
111357,83,08
527129,94,19
456632,72,25
(i) yeQkeeW mes
From Banks
29356,76,95
18580,69,73
(ii) DeveeW mes
From Others
934920,44,46
820519,97,63
1627402,61,19
1414689,40,11
1540656,01,05
1341224,25,26
86746,60,14
73465,14,85
1627402,61,19
1414689,40,11
Demand Deposits
(i) yeQkeeW mes
From Banks
meeJeefOe peceejeefMeeeB
III.
Term Deposits
eesie
Total
Ke.
eesie
Total
Devegmeteer 4 - GOeej-jeefMeeeB
SCHEDULE 4 - BORROWINGS
31.03.2013 keer efmLeefle
kes Devegmeej (eeuet Je<e&)
I.
16415,66,00
1522,00,00
8434,78,11
6693,68,11
17642,03,89
14357,75,23
3890,00,00
3890,00,00
45009,61,20
45004,57,10
91392,09,20
71468,00,44
108875,45,24
83305,85,87
3392,81,25
3179,76,24
62,84,00
37,73,40
Total
112331,10,49
86523,35,51
203723,19,69
157991,35,95
12570,33,58
5991,39,23
(i) Yeejleere efj]peJe& yeQke
Reserve Bank of India
(ii) Deve yeQke
Other Banks
(iii) Deve mebmLeeSB Deewj DeefYekejCe
Other Institutions and Agencies
(iv) veJeesvces<eer yesceereeoer $eCe efueKele (DeeF&Heer[erDeeF&)
Innovative Perpetual Debt Instruments (IPDI)
(v) ieewCe $eCe SJeb yeeb[
Subordinated Debts & Bonds
eesie
Total
II. Yeejle kes yeenj mes GOeej-jeefMeeeB
Borrowings outside India
(i) Yeejle kes yeenj mes GOeej jeefMeeeB Deewj hegvee|Jele
Borrowing and Refinance outside India
(ii) veJeesvces<eer yesceereeoer $eCe efueKele (DeeF&Heer[erDeeF&)
Innovative Perpetual Debt Instruments (IPDI)
(iii) ieewCe $eCe SJeb yeeb[
Subordinated Debts & Bonds
eesie
24393,64,28
25164,68,38
167,13,54
229,12,23
16384,11,49
17778,02,18
15050,35,95
719,09,59
325,36,91
50216,61,30
44920,85,73
63087,02,15
61629,33,45
172745,64,53
147319,72,65
I.
mebose efyeue
II.
V.
Bills payable
Inter Bank Adjustments (net)
eesie
Total
I.
neLe ceW vekeoer (FmeceW efJeosMeer kejWmeer vees leLee mJeCe& meeqcceefuele nQ)
II.
13569,34,83
13082,01,93
76004,68,28
66114,64,44
2,54,24
89574,03,11
79199,20,61
(i) eeuet Keeles ceW
In Current Account
(ii) Deve KeeleeW ceW
In Other Accounts
eesie
Total
Devegmeteer 7 - yeQkeeW ceW peceejeefMeeeB Deewj ceeBie leLee Deuhe metevee hej heehe OevejeefMe
SCHEDULE 7 - BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE
31.03.2013 keer efmLeefle
kes Devegmeej (eeuet Je<e&)
700,22,10
866,16,03
6059,57,08
6765,69,55
7211,71,57
5805,48,81
700,00,00
331,69,00
14671,50,75
13769,03,39
27157,14,31
24580,04,34
(ii) Deve pecee KeeleeW ceW
In Other Deposit Accounts
5345,93,68
1843,99,10
(iii) ceeBie Deewj Deuhe metevee hej heehe OevejeefMe
Money at call & short notice
8479,10,75
8198,55,41
TOTAL
40982,18,74
34622,58,85
55653,69,49
48391,62,24
I.
Yeejle ceW
In India
(i) yeQkeeW ceW peceejeefMeeeB
Balances with banks
(ke) eeuet Keeles ceW
(a) In Current Account
(Ke) Deve pecee KeeleeW ceW
(b) In Other Deposit Accounts
(ii) ceeBie Deewj Deuhe metevee hej heehe OevejeefMe
Money at call & short notice
(ke) yeQkeeW ceW
(a) With banks
(Ke) Deve mebmLeeDeeW ceW
(b) With Other Institutions
eesie
TOTAL
II. Yeejle kes yeenj
Outside India
(i) eeuet Keeles ceW
In Current Account
eesie
Devegmeteer 8 - efveJesMe
SCHEDULE 8 - INVESTMENTS
(000s omitted)
391862,07,81
360054,56,37
2871,56,85
2089,18,54
24444,08,86
24834,64,64
40324,26,62
23517,79,87
1572,37,89
1265,46,97
46995,29,59
37449,90,11
508069,67,62
449211,56,50
4569,61,80
3531,20,41
70,69,84
62,13,60
6683,19,78
8144,23,26
11323,51,42
11737,57,27
519393,19,04
460949,13,77
509328,18,84
451425,98,03
1258,51,22
2214,41,53
508069,67,62
449211,56,50
11463,00,51
12012,89,05
139,49,09
275,31,78
11323,51,42
11737,57,27
519393,19,04
460949,13,77
eesie
TOTAL
II. Yeejle kes yeenj efveJesMe
Investments outside India in
(i) mejkeejer heefleYetefleeeW ceW (FmeceW mLeeveere heeefOekejCe meeqcceefuele nQ)
Government Securities (including local authorities)
(ii) meneesieer
Associates
(iii) Deve efveJesMe (Mesej, ef[yeWej Deeefo)
Other Investments (Shares, Debentures, etc.)
eesie
TOTAL
kegue eesie (I SJeb II)
GRAND TOTAL (I and II)
III. Yeejle ceW efveJesMe
Investments in India in
(i) efveJesMeeW kee mekeue cetue
Gross Value of Investments
(ii) IeeSB : kegue heeJeOeeve / cetueeme
Less: Aggregate of Provisions / Depreciation
(iii) efveJeue efveJesMe (Thej I mes)
Net Investments (vide I above)
IV. Yeejle kes yeenj efveJesMe
Investments outside India in
(i) efveJesMeeW kee mekeue cetue
Gross Value of Investments
(ii) IeeSB: kegue heeJeOeeve / cetueeme
Less: Aggregate of Provisions / Depreciation
(iii) efveJeue efveJesMe (Thej II mes)
Net Investments (vide II above)
Devegmeteer 9 - Deefece
SCHEDULE 9 - ADVANCES
(000s omitted)
31.03.2013 keer
efmLeefle
kes Devegmeej (eeuet Je<e&)
31.03.2012 keer
efmLeefle
kes Devegmeej (efHeuee Je<e&)
102044,39,37
90893,63,64
(ii) kewMe esef[, DeesJej[^eHe Deewj ceeBie hej heeflemebose $eCe
Cash Credits,Overdrafts and Loans Repayable on demand
615349,13,44
498481,20,77
(iii) meeJeefOe $eCe
Term Loans
675214,50,52
574295,36,13
1392608,03,33
1163670,20,54
1071886,44,08
875465,18,10
(ii) yeQke / mejkeejer heleeYetefleeeW eje mebjef#ele
Covered by Bank / Government Guarantees
100582,82,89
86332,96,33
(iii) DeheefleYetle
Unsecured
220138,76,36
201872,06,11
1392608,03,33
1163670,20,54
375962,79,00
345780,06,73
73636,90,26
72039,51,04
892,64,87
339,58,80
765498,22,60
602723,48,35
1215990,56,73
1020882,64,92
32972,34,89
17171,70,50
21229,56,72
21623,37,73
58531,61,40
49339,16,18
63883,93,59
54653,31,21
TOTAL
176617,46,60
142787,55,62
1392608,03,33
1163670,20,54
ke.
eesie
TOTAL
Ke.
eesie
TOTAL
ie.
eesie
TOTAL
(II) Yeejle kes yeenj Deefiece
Advances outside India
(i) yeQkeeW mes heehe
Due from banks
(ii) DeveeW mes heehe
Due from others
(ie) Deve
(c) Others
eesie
10
I. heefjmej
Premises
hetJe&Jeleea Je<e& keer 31 ceee& keer eqmLeefle kes Devegmeej ueeiele hej
Deeleve cetueeme
hetJe&Jeleea Je<e& kes 31 ceee& keer eqmLeefle kes Devegmeej ueeiele hej
Deeleve cetueeme
2606,31,69
743,84,48
454,98,31
3,35,64
5,92,31
1177,73,85
3055,37,69
2618,12,68
1051,76,21
2003,61,48
nQ)
15646,57,73
14029,96,46
3064,44,93
2346,63,13
839,14,39
730,01,86
11819,45,62
6052,42,65
10639,67,34
5006,90,39
hetJe&Jeleea Je<e& kes 31 ceee& keer eqmLeefle kes Devegmeej ueeiele hej
917,80,50
906,97,74
12,30,01
11,02,75
20,03,83
19,99
882,62,21
897,15,52
27,44,47
20,64,98
4,50,18
eesie
TOTAL
11
22,94,29
4,50,18
16,14,80
676,42,94
381,29,84
9369,92,56
7407,96,51
(000s omitted)
31.03.2013 keer
efmLeefle
kes Devegmeej (eeuet Je<e&)
31.03.2012 keer
efmLeefle
kes Devegmeej (efHeuee Je<e&)
1335,13,92
3110,81,70
16750,54,58
15121,66,38
7246,74,38
9931,41,36
125,23,07
128,70,95
29,58,53
33,81,06
594,29,46
534,45,70
40477,92,21
41477,16,09
66559,46,15
70338,03,24
eesie
TOTAL
# meceskeve DeeOeej Hej meeKe ` 728,55,26 npeej Meeefceue nw (efHeues Je<e& ` 728,64,93 npeej)
# Includes Goodwill on consolidation ` 728,55,26 thousand (P.Y. ` 728,64,93 thousand)
(000s omitted)
1571,76,13
1344,28,80
6,13,51
10,69,90
548862,16,67
460108,59,30
117565,83,83
105767,34,48
81047,16,27
85203,17,43
149889,00,38
160401,48,34
157546,53,20
124319,91,49
1056488,59,99
937155,49,74
80201,66,95
80410,04,83
I.
yeQke kes efJe oeJes efpevnW $eCeeW kes he ceW mJeerkeej veneR efkeee ieee nw
II.
V.
(a) In India
(b) Outside India
eesie
TOTAL
12
31 ceee& 2013 kees meceehle Je<e& kes efueS ueeYe Deewj neefve Keelee
Profit and Loss Account for the year ended 31st March 2013
(000 kees es[ efoee ieee nw)
(000s omitted)
31.03.2012 kees meceeHle Je<e&
13
167978,13,78
147197,38,72
14
32581,69,88
200559,83,66
29691,58,30
176888,97,02
15
106817,91,29
89319,55,28
16
52819,79,73
46856,03,30
22599,13,28
182236,84,30
24883,93,33
161059,51,91
18322,99,36
15829,45,11
231,67,78
143,85,41
638,44,03
630,20,56
17916,23,11
15343,09,96
892,74,17
522,92,29
18808,97,28
15866,02,25
5371,44,24
4454,61,65
8695,52,63
7781,54,57
2838,74,09
2348,65,69
480,72,38
388,46,17
1422,53,94
18808,97,28
` 266.82
` 266.82
892,74,17
15866,02,25
` 241.55
` 241.55
Devegmeteer
meb.
(eeuet Je<e&)
Sch.No
I. Deee
INCOME
Deefpe&le yeepe
Interest earned
Deve Deee
Other Income
II. Jee
EXPENDITURE
efoee ieee yeepe
Interest expended
heefjeeueve Jee
Operating expenses
heeJeOeeve Deewj Deekeeqmceke Jee
Provisions and contingencies
III. ueeYe
PROFIT
Je<e& kes efueS
eesie TOTAL
eesie TOTAL
(efHeuee Je<e&)
eesie TOTAL
17
18
13
I.
II.
III.
IV. Deve
Others
eesie TOTAL
meceeHle Je<e&
(eeuet Je<e&)
126442,17,69
111341,45,56
38703,23,15
33705,20,92
1338,70,42
776,25,90
1494,02,52
1374,46,34
167978,13,78
147197,38,72
II.
V.
meceeHle Je<e&
(eeuet Je<e&)
31.03.2012 kees
meceeHle Je<e&
(efHeuee Je<e&)
13861,89,39
14532,36,72
2861,82,55
(583,26,05)
594,91,28
(1369,65,79)
(40, 53,82)
(47,01,40)
2011,12,49
1688,26,70
12,86,75
2,28,75
61,25
15,10
400,66,84
268,98,68
10415,77,26
12985,11,49
2462,55,89
2214,34,10
32581,69,88
29691,58,30
meceeHle Je<e&
(efHeuee Je<e&)
I.
31.03.2012 kees
efJeefJeOe Deee
Miscellaneous Income
eesie TOTAL
14
(000s omitted)
31.03.2013 kees
meceeHle Je<e&
(eeuet Je<e&)
96302,48,84
79345,57,40
4736,59,97
4427,60,44
5778,82,48
106817,91,29
5546,37,44
89319,55,28
(000s omitted)
31.03.2013 kees
meceeHle Je<e&
(efHeuee Je<e&)
I.
II.
III.
IV.
V.
VI.
VII.
31.03.2012 kees
meceeHle Je<e&
(eeuet Je<e&)
31.03.2012 kees
meceeHle Je<e&
(efHeuee Je<e&)
24401,09,07
22084,02,73
3252,70,34
2822,38,95
419,33,83
380,08,52
643,67,08
342,66,27
4,66,19
1,84,61
1572,83,04
1369,76,13
7,55,97
5,86,33
186,76,13
197,98,41
248,83,62
211,69,70
682,63,85
539,09,80
530,12,53
489,96,18
1596,69,48
1271,89,18
78,86,98
12,85,34
319,08,12
333,44,65
13450,63,98
12444,91,93
5424,29,52
52819,79,73
4347,54,57
46856,03,30
Auditors fees and expenses
(including branch auditors fees and expenses)
VIII. efJeefOe heYeej
Law charges
IX. [eke Jee, leej Deewj sueerHeesve Deeefo.
Postages, Telegrams, Telephones, etc.
X. cejccele Deewj Devegj#eCe
Repairs and maintenance
XI. yeercee
Insurance
XII. DeemLeefiele Deee Jee kee HeefjMeesOeve
Amortization of deferred revenue expenditure
XIII. Deve Heefjeeueve Jee-kesef[ kee[& Heeeueve mes mebyebefOele
Other Operating Expenses relating to Credit Card Operations
XIV. Deve Heefjeeueve Jee-yeercee JeJemeee mes mebyebefOele
Other Operating Expenses relating to Insurance Business
XV. Deve Jee
Other Expenditure
eesie TOTAL
15
Devegmeteer 17
cenJehetCe& uesKeekejCe veerefleeeB
ke. leweej kejves kee DeeOeej
mebueive efJeeere efJeJejCe, peye leke efke DeveLee GuuesKe veneR efkeee ieee
nes, DeJeefOeiele ueeiele DeeOeej kes Devegmeej uesKee kes heesJeve DeeOeej hej
leweej efkeS ieS nQ Deewj Yeejle ceW meeceevele ceeve uesKeekejCe efmeebleeW
(peerSSheer) kes meYeer cenJehetCe& henuegDeeW kes Deveghe nQ ~ Fve efmeebleeW ceW
heeespe meebefJeefOeke heeJeOeeve, Yeejleere efj]peJe& yeQke, yeercee efJeefveeeceke SJeb
efJekeeme heeefOekejCe, HeWMeve efveefOe efJeefveeeceke Deewj efJekeeme HeeefOekejCe
(HeerSHeDeej[erS) kebheveer DeefOeefveece, 1956 eje efveOee&efjle efJeefveeeceke
ceeveoC[/efoMeeefveoxMe, Yeejleere meveoer uesKeekeej mebmLeeve (DeeF&meerSDeeF&)
eje peejer uesKee ceeveke, Deewj Yeejle ceW heeefuele uesKee heLeeSb Meeefceue nQ~
efJeosMeer FkeeFeeW kes ceeceues AceW efJeosMeer kebHeefveeeW Hej ueeiet meeceevele: ceeve
uesKeekejCe efmeebleeW kee DevegHeeueve efkeee ieee nw~
Ke. heekekeueveeW kee heeesie
efJeeere efJeJejCeeW kees leweej kejves ceW heyebOeve kees, efJeeere efJeJejCeeW keer efleefLe
kees - DeeeqmleeeW Deewj oseleeDeeW (FmeceW Deekeeqmceke oseleeSB meeqcceefuele nQ)
keer metefele jeefMeeeB leLee metevee DeJeefOe kes oewjeve metefele Deee SJeb Jee
ceW heefleHeefuele heekekeueve Deewj hetJee&vegceeve kejves keer DeeJeMekelee nesleer nw~
heyebOeve kee en ceevevee nw efke efJeeere efJeJejCeeW kees leweej kejves ceW heege
heekekeueve efJeJeskehetCe& Deewj eLeesefele nQ~ YeeJeer heefjCeece Fve heekekeueveeW mes
Deueie nes mekeles nQ~
ie. meceskeve kee DeeOeej
1. mecetn (efpemeceW 28 Deveg<ebefieeeB, 8 mebege Gece Deewj 25 meneesieer
Meeefceue nQ) kes mecesefkele efJeeere efJeJejCe efvecveefueefKele kes DeeOeej hej
leweej efkeS ieS nQ
ke. Yeejleere ms yeQke (cetue kebheveer) kes uesKee hejeref#ele Keeles~
Ke. Yeejleere meveoer uesKeekeej mebmLeeve kes eje ``mecesefkele efJeeere
efJeJejCeeW'' kes efueS peejer uesKee ceeveke 21 kes Devegmeej meYeer
Deble mecetn Yeewefleke yekeeee/uesveosve, iewj-Jemetueerke=le ueeYe/neefve
kees Deueie kejkes leLee Demecehe uesKee veerefleeeW kes efueS peneb
DeeJeMeke ngDee nw Jeneb DeeJeMeke meceeeespeve kejves kes Ghejeble
Deveg<ebefieeeW keer Deeeqmle/oselee/Deee/Jee kee (cetue kebheveer keer
FvneR ceoeW mes) eceMe De#ejMe meceskeve efkeee ieee nw~
ie. mebege GeceeW kee meceskeve Yeejleere meveoer uesKeekeej mebmLeeve
kes `mebege GeceeW ceW efnleeW hej efJeeere metevee mes mebyebefOele uesKee
ceeveke-27 kes Devegmeej `meceevegheeefleke meceskeve' efkeee ieee nw~
Ie. `meneesefieeeW' ceW efkeS ieS efveJesMe kee uesKeekejCe `F&eqkeJeer-heefle'
kes Debleie&le Yeejleere meveoer uesKeekeej mebmLeeve kes ``mecesefkele
efJeeere efJeJejCeeW ceW meneesefieeeW ceW efveJesMe nsleg uesKeekejCe mes
mebyebefOele uesKee ceeveke 23 kes Devegmeej efkeee ieee nw~
2. Deveg<ebieer kebheefveeeW ceW mecetn kes efveJesMe keer ueeiele leLee Deveg<ebefieeeW keer
F&eqkeJeer ceW mecetn kes DebMe kes yeere kes Deblej kees efJeeere efJeJejCeeW ceW meeKe/
hetbpeer Deejef#eleer kes he ceW efoKeeee ieee nw~
3.
mecesefkele Deveg<ebefieeeW keer efveJeue DeeeqmleeeW ceW DeuheebMe efnle efvecveJele nw
16
A.
Basis of Preparation:
B.
Use of Estimates
C.
Basis of Consolidation:
1.
a.
b.
c.
d.
2.
3.
ke. efpeme efleefLe kees efkemeer Deveg<ebieer ceW efveJesMe efkeee ieee nw, Gme efleefLe
kees DeuheebMe efnle keer F&eqkeJeer-jeefMe, Deewj
Ke. cetue kebheveer Deewj Deveg<ebieer kes mebyebOe mLeeefhele nesves keer efleefLe mes
Deee Deejef#eefleeeW/neefve (F&eqkeJeer) ceW DeuheebMe-Mesej kee Gleeje{eJe~
Ie. cenJehetCe& uesKee veerefleeeB
1.
Deee efveOee&jCe
1.1 Fmemes DeveLee efkeS ieS GuuesKe kees es[kej Deee Deewj Jee
kees heesJeve DeeOeej hej uesKes ceW efueee ieee nw~ efJeosMe eqmLele
keeee&ueeeW/FkeeFeeW kes mebyebOe ceW Deee kee DeefYe%eeve Gme osMe
kes mLeeveere keevetve kes Devegmeej efkeee ieee nw, efpeme osMe ceW Jes
keeee&uee/ FkeeFeeB eqmLele nQ ~
1.2 efvecveefueefKele kees es[kej ueeYe Deewj neefve Keeles ceW efveOee&jCe
heesJeve DeeOeej hej efkeee peelee nw (i) DeefieceeW, heeW Deewj efveJesMeeW
mes meceeefJe< Devepe&ke DeeeqmleeeW mes Deee, efpemekee efveOee&jCe
Yeejleere efjpeJe& yeQke / efJeosMe eqmLele keeee&ueeeW / FkeeFeeW kes
ceeceues ceW mebyebefOele osMe kes efJeefveeecekeeW (Fmekes heeele meecetefnke
he mes efJeefveeeceke heeefOekejCe kenueeSbies) eje efveOee&efjle
efJeJeskehetCe& ceeveob[eW kes Devegmeej Jemetueer DeeOeej hej efkeee peelee
nw, (ii) efveJesMeeW leLee yeeke=le efyeueeW hej Deefleose yeepe (iii)
heee [sjerJesefJme hej Deee ``^seE[ie'' kes he ceW veeefcele~
1.3 efveJesMeeW keer efyeeer hej nesves Jeeues ueeYe ee neefve kees ueeYe SJeb neefve
Keeles ceW efueee ieee nw, leLeeefhe, `heefjhekeJelee leke jKes ieS' esCeer
kes efveJesMeeWveeW keer efyeeer hej nesvesJeeues ueeYe kees heeespe kejeW Deewj
`hetbpeer Deejef#ele Keeles' ceW meebefJeefOeke Deejef#ele efveefOe nsleg Debleefjle
keer peeves Jeeueer DeeJeMeke jeefMe kees Ieeves kes yeeo meceeeesefpele
efkeee ieee nw~
1.4 efJee heeW mes ngF& Deee kee heefjkeueve heeLeefceke hee DeJeefOe kes
efueS hes keer yekeeee efveJeue efJeefveOeeve keer jeefMe hej hes keer
yeepe oj kee Gheeesie kejkes efkeee ieee nw~ 01 Dehewue, 2001
mes heYeeJeer heeW kees hes ceW efveJeue efJeefveOeeve kes meceeve jeefMe kes
Deefiece kes he ceW uesKes ceW efueee ieee nw~ hee efkejeeeW kee cetue
jeefMe Deewj efJee Deee ceW heYeepeve efJee heeW mes mecyeodIe yekeeee
efveJeue heeJeOeeveeW kes efveele DeeJeefOeke heefleHeue kes hejeJeleea mJehe
kes DeeOeej hej efkeee ieee nw~ cetue jeefMe kee Gheeesie hes ceW efveJeue
efveJesMe jeefMe kees Ieeves kes efueS efkeee ieee nw Deewj efJee Deee kees
yeepe Deee kes he ceW efjhees& efkeee ieee nw~
1.5 ``heefjhekeJelee leke jKes ieS'' esCeer ceW efJeefveOeeve hej Deee (yeepe
kees es[kej) kee Debefkele cetue keer leguevee ceW yeeke=le cetue hej
efvecveevegmeej efveOee&jCe efkeee ieee nw
i. yeepe-heehle kejves Jeeueer heefleYetefleeeW kes meboYe& ceW Fmes
efyeeer / MeesOeve kes mecee efveOee&jCe efkeee ieee nw~
ii. Metve-ketheve heefleYetefleeeW hej, Fmes heefleYetefle keer Mes<e
DeJeefOe kes efueS efveele Deee DeeOeej hej uesKes ceW efueee
ieee nw~
1.6 peneB ueeYeebMe heehle kejves kee DeefOekeej efmeodIe neslee nw JeneB
ueeYeebMe kees heesJeve DeeOeej hej uesKes ceW efueee ieee nw~
1.7 (i) DeemLeefiele Yegieleeve ieejbefeeW hej ieejber keceerMeve kee
Deekeueve ieejber keer hetjer DeJeefOe kes efueS efkeee ieee nw Deewj (ii)
mejkeejer JeJemeee hej keceerMeve kee efveOee&jCe heesJeve DeeOeej
17
a.
b.
D.
1.
Revenue recognition
1.1
1.2
1.3
1.4
1.5
i.
ii.
1.6
1.7
hej efkeee ieee nw~ Fve oesveeW kees es[kej Deve meYeer keceerMeve
Deewj Meguke - Deee kee efveOee&jCe Jemetueer kes yeeo efkeee ieee nw~
1.8 efJeMes<e ie=n $eCe eespevee (efomebyej 2008 mes petve 2009) kes
Debleie&le Yegieleeve efkeee ieee Ske yeejieer yeercee heerefceece $eCe keer
15 Je<eeX keer Deewmele $eCe DeJeefOe ceW heefjMeesefOele efkeee ieee nw~
1.9 iewj-yeQeEkeie FkeeFeeB
ceeX yeQeEkeie
ke. ieenke kes meeLe ngS kejej kes Devegmeej efveie&ce-heyebOeve Deewj
hejeceMe& Meguke HeYeeJe DeblejCe kees Ieekej Meeefceue efkeee
ieee nw~
Ke. meghego& efveele-keee& kes hetje nesves kes yeeo efvepeer efveeespeve
Meguke kees Meeefceue efkeee ieee nw~
ie. Mesej oueeueer keee&keueehe mes mebyebefOele oueeueer Deee kees
uesveosve kejves keer efleefLe hej Meeefceue efkeee ieee nw Deewj
GmeceW meche Meguke SJeb uesveosve mebyebOeer Jee Meeefceue nQ
leLee eespevee kes efueS oer ieF& Heeslmeenve jeefMeeeB Meeefceue
veneR nw~
Ie. meeJe&peefveke efveie&ceeW mes mebyebefOele keceerMeve kees meeJe&peefveke
efveie&ce kes Deeyebve keer heefeee kes hetCe& nesves kes heeele
efyeeewefueeeW mes metevee HeeHle nesves Hej uesKes ceW efueee
ieee nw~
[. meeJe&peefveke efveie&ce/cetegDeue Heb[/Deve heefleYetefleeeW mes
mebyebefOele oueeueer Deee kees ieenkeeW/efyeeewefueeeW mes jeefMe
Deewj metevee heehle nesves kes yeeo uesKes ceW efueee ieee nw~
e. efve#esHeeieej Deee - Jeeef<e&ke Devegj#eCe HeYeej HeesodYeJeve
DeeOeej Hej Meeefceue efkeS ieS nQ Deewj uesveosve HeYeej uesve
osve keer mebJeJenej efleefLe kees Meeefceue efkeS ieS nQ~
Deeeqmle heyebOeve
ke. mebyebefOele eespeveeDeeW ceW mencele efJeefMe ojeW hej heyebOeve
Meguke kees Deee ceW Meeefceue efkeee ieee nw~ Fve ojeW kees
heleske eespevee keer efveJeue Deeeqmle kes owefveke Deewmele
DeeOeej hej ueieeee ieee nw (FmeceW peneB ueeiet nes Deblejeespevee efJeefveOeeve Deewj mebyebefOele eespeveeDeeW ceW kebheveer eje
efkeS ieS efJeefveOeeveeW kees veneR Meeefceue efkeee ieee nw)
Deewj en mesyeer (cetegDeue-Heb[) efJeefveece 1996 eje
efveOee&efjle meerceeDeeW kes Deveghe nw~
Ke. mebefJeoe Meleex kes Devegmeej, mebefJeYeeie meueenkeejer mesJee
Deewj mebefJeYeeie HeyebOeve mesJee mes heehle Deee kees heesJeve
DeeOeej hej Meeefceue efkeee ieee nw~
ie. heeflemLeeheve DeefOekeej kes Debleie&le kebheveer eje DeefYeie=nerle
eespeveeDeeW kes Debleefjle efveJesMeeW keer Jemetueer heeeqhle DeeOeej
hej uesKes ceW ueer ieF& nw~
Ie. efveefOeke ieejbefle eespeveeDeeW mes nesves Jeeueer Jemetueer kees
heeeqhle kes Je<e& ceW Deee kes he ceW ceevee ieee nw~
[. eespevee Jee efveOee&efjle ojeW mes DeefOeke eespevee JeeeW
Deewj veF& Heb[ HesMekeMe mes mebyebefOele JeeeW kees ueeYe Deewj
neefve Keeles ceW Gmeer Je<e& ceW Meeefceue efkeee ieee nw efpemeceW Jes
Jenve efkeS ieS~
1.8
1.9
Non-banking entities
Merchant Banking:
a.
b.
c.
d.
e.
f.
Asset Management:
18
a.
b.
c.
d.
e.
a.
b.
c.
d.
Factoring:
Life Insurance:
19
a.
b.
c.
d.
Benefits paid:
e.
f.
General Insurance:
20
a.
b.
c.
Ie.
d.
Reinsurance
inward
acceptances
are
accounted for on the basis of returns, to the
extent received, from the insurers.
e.
e. oeJes kees vegkemeeve nesves keer metevee heehle nesves hej efoKeeee ieee
nw~ legueve he$e kees ose yekeeee oeJeeW mes mebyebefOele heeJeOeeve ceW mes
hegveyeeacee, DeJeefMe cetue Deewj heyebOeve eje Devegceeefvele Deve
JemetefueeeW kees Ieeee ieee nw~
f.
g.
oeJee mebyebOeer oseleeSb pees efkemeer uesKee efpevekes efueS Gheefele nes ieF&
nQ hejbleg efpemes uesKee DeJeefOe keer meceeeqhle mes hetJe& metefele ee oeJee
veneR efkeee ieee nw (DeeF&yeerSveDeej) ee heee&hle he mes metefele
veneR keer ieF& nw (DeLee&le Fme efhheCeer kes meeLe metefele keer ieF& efke
mebYeeefJele oeJee jeefMe kee Ske Gefele Devegceeve ueieeves kes efueS
metevee Deheee&hle kes meeLe metefele keer ieF& nw (DeeF&yeerSveF&Deej) mes
mebyebefOele heeJeOeeve Jen jeefMe nw pees DeeF&Deej[erS keer menceefle mes
Yeejleere yeerceebefkeke meesmeeeer eje peejer ceeie&oMeea efhheefCeeeW Deewj
Fme mebyebOe ceW DeeF&Deej[erS eje peejer Deve efveoxMeeW kes Devegmeej
yeerceebefkeke efmeebleeW kes DeeOeej hej efveege yeerceebkevekelee&/
hejeceMeea yeerceebkevekelee& eje efveOee&efjle keer ieF& nw~
DeefYej#ee SJeb mebyeodIe mesJeeSb
Deee kee efveOee&jCe Gme meercee leke efkeee ieee nw efke kebheveer kees
Deee|Leke ueeYe heehle nesves keer mebYeeJevee nw Deewj Fme Deee kee
efJeeemehetJe&ke ceeheve efkeee pee mekesiee~
heWMeve efveefOe heefjeeueve
heyebOeve Meguke kees kebheveer Deewj SveheerSme veeefmeeeW kes yeere ngS
efveJesMe heyebOeve kejej (DeeFSceS) kes Devegmeej leweej keer ieF&
mebye eespeveeDeeW ceW eleske eespevee keer owefveke efveJeue DeeefmleeeW
kes DeeOeej hej Meeefceue efkeee ieee nw~ en HeWMeve efveefOe efJeefveeeceke
Deewj efJekeeme eeefOekejCe eje peejer efJeefveeeceke efoMeeefveoxMeeW kes
DevegHe nw~ kebHeveer mesJee kej kees Ieekej uesKeeW ceW Deee emlegle
kejleer nw~
cetegDeue HeC[ veemeer heefjeeueve
veemeOeeefjlee MegukeeW/heyebOeve MegukeeW kees eenkeeW kes yeere ngF&
mebefJeoe keer mebyebefOele Meleex kes Devegmeej heesJeve DeeOeej hej
Meeefceue efkeee ieee nw~
2. efveJesMe
mejkeejer heefleYetefle uesveosve `mesueceW [s' kees ope& efkeS ieS nQ~ mejkeejer
heefleYetefleeeW kees es[kej efveJesMe `ee-efJeee efleefLe' kees ope& efkeS ieS
nQ~
2.1 JeieeakejCe
efveJesMeeW kees 3 esefCeeeW eLee - `heefjhekeJelee leke jKes ieS', `efJeee
kes efueS GheueyOe' Deewj `JeJemeee kes efueS jKes ieS' ceW Jeieeake=le
efkeee ieee nw~
2.2 JeieeakejCe kee DeeOeej
i. Gve efveJesMeeW kees `heefjhekeJelee leke jKes ieS' esCeer
kes Debleie&le Jeieeake=le efkeee ieee nw, efpevnW yeQke eje
heefjhekeJelee leke jKee peelee nw~
2. Investments
2.1
Basis of classification:
2.2
21
Classification
i.
ii.
Gve efveJesMeeW kees `JeJemeee kes efueS jKes ieS' esCeer kes
Debleie&le Jeieeake=le efkeee ieee nw, efpevnW ee efleefLe mes 90
efoveeW kes Yeerlej efmeodOeeblele hegvee|Jeee nsleg jKee peelee nw~
iii. efpeve efveJesMeeW kees Gheeg&e oes esefCeeeW ceW Jeieeake=le veneR
efkeee ieee nw, GvnW `efJeee kes efueS GheueyOe' esCeer kes
he ceW Jeieeake=le efkeee ieee nw~
iv. heleske efveJesMe kees Fmekes ee kes mecee `heefjhekeJelee leke
jKes ieS', `efJeee kes efueS GheueyOe' ee `JeJemeee kes
efueS jKes ieS' esefCeeeW ceW Jeieeake=le efkeee ieee nw Deewj
Gmekes heeele esefCeeeW ceW hejmhej heefjJele&ve efJeefveeeceke
efoMeeefveoxMeeW kes Deveghe efkeee ieee nw~
2.3 cetue-efveOee&jCe
ke. yeQeEkeie JeJemeee
i. efkemeer efveJesMe keer DeefYeienCe ueeiele kee efveOee&jCe kejves ceW
ke. DeefYeoeveeW hej heehle oueeueer / keceerMeve kees
ueeiele ceW mes Iee efoee ieee nw~
Ke. efveJesMeeW kes DeefYeienCe kes mebyebOe ceW heoe oueeueer,
keceerMeve, heefleYetefle uesveosve kej Deeefo kee Gmeer
mecee Jee kej efoee ieee nw Deewj FvnW ueeiele ceW
Meeefceue veneR efkeee ieee nw ~
ie. $eCe efueKeleeW hej Kebef[le DeJeefOe kes efueS heoe/
heehle yeepe kees yeepe Jee / Deee ceo kes he
ceW ceevee ieee nw Deewj FvnW ueeiele/efyeeer heefleHeue
ceW Meeefceue veneR efkeee ieee nw~
Ie. SSHeSme Deewj SeSHeer esCeer kes Debleie&le
efveJesMe keer ueeiele kee efveOee&jCe mecetn FkeeFeeW
keer Yeeefjle Deewmele ueeiele heCeeueer kes DeeOeej
hej Deewj SeerSce esCeer kes Debleie&le efveJesMeeW
keer ueeiele kee efveOee&jCe SmeyeerDeeF& eje (henues
DeeS henues peeS) DeeOeej hej Deewj Deve mecetn
FkeeFeeW eje Yeeefjle Deewmele ueeiele heCeeueer kes
DeeOeej hej efkeee ieee nw~
ii. Ghejese leerve esefCeeeW ceW heefleYetefle kes DeblejCe kees DeblejCe
keer efleefLe kees vetvelece DeefYeienCe ueeiele/yener cetue/
yeepeej cetue kes Devegmeej uesKes ceW efueee ieee nw, Deewj
Ssmes DeblejCe hej ngS cetuendjeme, eefo nes lees, kee heeJeOeeve
efkeee ieee nw ~
iii. jepemJe efyeueeW Deewj JeeefCeeqpeke he$eeW kee cetue-efveOee&jCe
jKeeJe-ueeiele DeeOeej hej efkeee ieee nw ~
iv. heefjhekeJelee leke jKes ieS esCeer heefjhekeJelee leke jKes
ieS esCeer kes Debleie&le efveJesMe peye leke Debefkele cetue mes
DeefOeke ve nes, DeefYeienCe ueeiele DeeOeej hej efueS ieS nQ
efpemeceW heerefceece kee heefjMeesOeve mLeeeer ueeiele DeeOeej hej
Mes<e heefjhekeJelee DeJeefOe ceW efkeee ieee nw~ Ssmes heerefceece
kes heefjMeesOeve kees `efveJesMeeW hej yeepe' Meer<e& kes Debleie&le
Deee kes heefle meceeeesefpele efkeee ieee nw~ #es$eere ieeceerCe
yeQkeeW ceW efkeS ieS efJeefveOeeveeW kee cetueve Yeejleere meveoer
uesKeekeej mebmLeeve kes uesKee ceeveke-23 kes Devegmeej
F&eqkeJeer ueeiele hej efkeee ieee nw~ DemLeeeer efveJesMeeW kees
es[kej heleske efveJesMe nsleg he=Leke - he=Leke he mes odIeeme
kes efueS heeJeOeeve efkeee ieee nw~
ii.
iii.
iv.
2.3
Valuation:
A.
Banking Business
22
i.
a.
Brokerage/commission received on
subscriptions is reduced from the cost.
b.
c.
d.
ii.
iii.
iv.
v.
23
v.
vi.
vii.
a.
b.
c.
d.
e.
f.
viii.
a.
b.
B.
Insurance Business
(i)
All
debt
securities,
including
government securities are stated at
historical cost, subject to amoritsation.
24
(ii)
3.
3.1
i.
ii.
iv.
v.
3.2
iv.
v.
3.2
ii.
iii.
iii.
mebefoiOe DeeeqmleeeB
- heefleYetle Yeeie
- DeheefleYetle Yeeie
neefveheo DeeeqmleeeB
3.4
ii.
i.
3.3
iii.
i.
3.3
i.
-Secured portion:
100%
100%
efJeosMe eqmLele keeee&ueeW kes $eCe Deewj Deefiece KeeleeW kee JeieeakejCe
leLee Devepe&ke DeefieceeW kes mebyebOe ceW heeJeOeeve mLeeveere efJeefveeceeW
DeLeJee Yeejleere efjpeJe& yeQke kes ceeveob[eW ceW mes pees DeefOeke keesj
Lee, kes Devegmeej efkeS ieS nQ~
26
3.4
-Unsecured portion
100%
Loss Assets:
100%
4.
5.
3.5
3.5
3.6
3.7
3.8
3.9
4.
Floating Provision
5.
7.
[sjerJesefJme
6.1 yeQke leguevehe$e kes/leguevehe$e kes yeenj keer DeeeqmleeeW Deewj oseleeDeeW
keer heeflej#ee kes efueS DeLeJee Jeeheej heeespeveeW nsleg efJeosMeer cege
efJekeuhe, yeepe oj efJeefvecee, cege efJeefvecee Deewj hejmhej cege
yeepe oj efJeefvecee leLee Jeeeoe oj kejej pewmeer [sjerJesefJme
mebefJeoeSb kejlee nw~ leguevehe$e keer DeeeqmleeeW SJeb oseleeDeeW keer
heeflej#ee kes efueS keer ieF& efJeefvecee mebefJeoeDeeW keer hejsKee Fme
{bie mes leweej keer peeleer nw efke Jes leguevehe$e keer Deblee|veefnle ceoeW
kes meeLe heefleketue SJeb #eeflehete|le heYeeJe kees menve kej mekeW~ Ssmes
[sjerJesefJme efueKeleeW kee heYeeJe Deblee|veefnle DeeeqmleeeW kes cetue
ceW Gleej-e{eJe kes meeLe peg[e ngDee nw Deewj Fmes heeflej#ee uesKee
efmeebleeW kes Devegmeej uesKeeW ceW efueee ieee nw~
6.2 heeflej#ee kes he ceW Jeieeake=le [sjerJesefJme mebefJeoeSb heesle DeeOeej
hej ope& keer ieF& nQ~ peye leke Deblee|veefnle DeeeqmleeeW/oseleeDeeW kees
Yeer yeepeej cetue hej yener ceW Meeefceue veneR kej efoee peelee, leye
leke heeflej#ee mebefJeoeDeeW kees yeepeej cetue hej yener ceW Meeefceue veneR
efkeee peelee nw~
6.3 Gheeg&e kees es[kej, Deve meYeer [sjerJesefJme mebefJeoeSb Geesie ceW
heeefuele meeceevele mJeerke=le heLeeDeeW kes Devegmeej yeepeej cetue
hej yener ceW Meeefceue keer ieF& nQ~ yeepeej cetue hej yener ceW Meeefceue
efkeS ieS [sjerJesefJme mebefJeoeDeeW kes mebyebOe ceW, yeepeej cetue ceW
ngS heefjJele&veeW kees heefjJele&ve keer DeJeefOe mes ueeYe Deewj neefve Keeles
ceW oMee&ee ieee nw~ [sjerJesefJme mebefJeoeDeeW kes DeOeerve heehle nesves
Jeeueer keesF& Yeer jeefMe 90 efoveeW mes DeefOeke DeJeefOe kes efueS Deefleose
nesleer nw, lees Gmes ueeYe Deewj neefve Keeles kes peefjS ``Geble heefjCele
heehe jeefMe Keeles'' ceW heefleJee|lele efkeee peelee nw~ eefo [sjerJesefJe
mebefJeoeDeeW ceW YeefJe<e ceW Deewj DeefOeke efveheejs kee heeJeOeeve nw Deewj
eefo [sjerJesefJe mebefJeoe Deefleose heehe jeefMe kee 90 efove leke
Yegieleeve heehle ve nesves hej meceehle veneR keer peeleer nw lees YeefJe<e ceW
heehle jeefMeeeW keer yeepeej cetue hej yeefneeW ceW Debefkele Ieveelceke
jeefMe kees ueeYe Deewj neefve Keeles mes ``Geble yeepeej cetue Ieveelceke
jeefMe Keeles'' ceW heefleJee|lele efkeee peelee nw~
6.4 heoe ee heehle efJekeuhe heerefceece kees efJekeuhe keer meceeeqhle hej
ueeYe Deewj neefve Keeles ceW ope& efkeee ieee nw~ yeses ieS efJekeuheeW
hej heehle heerefceece Deewj Kejeros ieS efJekeuheeW hej heoe heerefceece
kes Mes<e kees Hee@jskeme DeesJej efo keeGbj efJekeuheeW kes yeepeej cetue
efvekeeueves nsleg Meeefceue efkeee ieee nw~
6.5 SkemeeWpe ceW ee-efJeee efkeS ieS [sefjJesefJpe leLee Jeeheej kes
GsMe mes efkeS ieS yeepe oj Jeeeoe meewoeW kees SkemeeWpe eje oer
ieF& ojeW kes DeeOeej hej heeefuele yeepeej ojeW hej cetueebefkele efkeee
ieee nw Deewj heefjCeeceer ueeYe leLee neefve kees ueeYe Deewj neefve Keeles
ceW Meeefceue efkeee ieee nw~
Deeue DeeeqmleeeB Deewj cetuendjeme
7.1 Deeue DeeeqmleeeW kee mebefele cetuendjeme mes kece ueeiele hej Debkeve
efkeee ieee nw~
7.2 ueeiele ceW ee ueeiele leLee mecemle Jee, pewmes efke mLeeve keer
leweejer, mebmLeeheve ueeiele Deewj JeeJemeeefeke Meguke leLee Deeeqmle
hej Gmekee Gheeesie kejves mes hetJe& Jenve keer ieF& Heerme Meeefceue nQ~
Gheeesie keer ieF& DeeeqmleeeW hej Jenve efkeS ieS DevegJeleea Jee kees
kesJeue leYeer hetbpeerke=le efkeee ieee nw, peye es Jee Fve DeeeqmleeeW mes
nesves Jeeues YeeJeer ueeYe kees/Fve DeeeqmleeeW keer JeeJeneefjke #ecelee
kees ye{eles nQ~
28
6.
Derivatives:
6.1
6.2
6.3
6.4
6.5
7.
7.1
7.2
7.3
7.4
7.5
7.6
7.7
7.8
Fme osMeer heefjeeueve kes mebyebOe ceW cetuendjeme keer ojW Deewj
cetuendjeme oMee&ves keer heefle kee efJeJejCe efvecveevegmeej nw
ece Deeue DeeeqmleeeW kee cetuendjeme
meb efJeJejCe
oMee&ves keer
heefle
1
kebhetj Deewj SerSce meerOeer keewleer
heCeeueer
2
ne[&Jesej kes DeefYeVe ndjeefmele cetue
Debie kes he ceW
heodOeefle
Meeefceue kebhetj
mee@HeJesej
3
ne[&Jesej kes DeefYeVe
Debie kes he ceW ve
Meeefceue kebhetj
mee@HeJesej
4
31 ceee& 2001 leke meerOeer keewleer
efJeeere hes hej oer ieF& heCeeueer
DeeeqmleeeB
5
Deve Deeue DeeeqmleeeB ndjeefmele cetue
heodOeefle
9.
cetuendjeme/
heefjMeesOeve oj
Depreciation/
amortisation rate
Method of
charging
depreciation
60%
Straight Line
Method
33.33% every
year
Computer software
forming an integral
part of hardware
Computer Software
which does not form
an integral part of
hardware
kebheveer DeefOeefveece
1956 kes DeOeerve
efveOee&efjle oj hej
Deeekej efveece
1962 kes DeOeerve
efveOee&efjle oj hej
Je<e& kes oewjeve osMeer heefjeeueveeW mes heehle DeeeqmleeeW kes mebyebOe ceW
cetuendjeme 180 efoveeW leke heege DeeeqmleeeW hej DeOe&Je<e& kes efueS
leLee 180 efoveeW mes DeefOeke heege DeeeqmleeeW hej hetjs Je<e& kes efueS
oMee&ee ieee nw, peyeefke kebhetjeW Deewj meeHeJesej hej cetuendjeme
- Fme Deeeqmle kee Gheeesie kejves keer DeJeefOe eens keg Yeer jner nes
hetjs Je<e& kes efueS oMee&ee ieee nw~
Ssmeer ceoW efpeveceW mes heleske kee cetue `1,000 mes kece nes GvnW
ee Je<e& ceW ner yes Keeles ceW [eue efoee ieee nw~
heeke=le heefjmejeW mes mecyeodIe hee heerefceece, eefo nes lees, kees hee
DeJeefOe hej heefjMeesefOele efkeee ieee nw Deewj hee efkejeee Gmeer Je<e&
kes Kee& kes he ceW oMee&ee ieee nw~
yeQke eje 31 ceee& 2001, kees ee Gmemes hetJe& hes hej oer ieF&
DeeeqmleeeW kes mebyebOe ceW hes hej oer ieF& DeeeqmleeeW kes cetue kees
heeke=le DeeeqmleeeW kes he ceW Deeue DeeeqmleeeW kes Debleie&le
oMee&ee ieee nw Deewj Jeee|<eke hee Meguke (hetbpeer-Jemetueer) SJeb
cetuendjeme kes Deblej kees hee meceeveerkejCe uesKes ceW efueee ieee nw~
efJeosMeer keeee&ueeeW/FkeeFeeW eje Oeeefjle Deeue DeeeqmleeeW hej
cetuendjeme kee heeJeOeeve mebyebefOele osMeeW kes efJeefveeceeW/ceeveob[eW kes
Devegmeej efkeee ieee nw~
8. hes
7.3
100% depreciated
in the year of
acquisition
Assets given on
financial lease upto
31st March 2001
Straight Line
Method
At the rate
prescribed under
the Companies
Act 1956
7.4
7.5
7.6
7.7
7.8
8. Leases
Deeeqmle JeieeakejCe Deewj DeefieceeW kes efueS ueeiet heeJeOeeveerkejCe ceeveob[eW kee
Gheeg&e Devegso 3 ceW efoS ieS efoMee-efveoxMeeW kes Devegmeej Fve efJeeere
hedeW ceW Yeer heeesie efkeee ieee nw~
DeeeqmleeeW keer Dehemeeceevelee
peye keYeer IeveeSB DeLeJee eqmLeefleeeW ceW heefjJele&ve en mebkesle osles nQ efke
efkemeer Deeeqmle keer Deieeveerle jeefMe keer Jemetueer mebefoiOe nw lees Ssmeer eqmLeefle
ceW Deeue DeeeqmleeeW keer Dehemeeceevelee nsleg meceer#ee keer peeleer nw~ Oeeefjle
Deewj heeesie keer peeves Jeeueer Deeeqmle keer Jemetueer nes heeSieer ee veneR Fmes
ceeheves kes efueS Deeeqmle kes Deieeveerle cetue keer leguevee Deeeqmle eje Dehesef#ele
29
9.
Impairment of Assets
YeefJe<eiele efveJeue yeeke=le vekeoer heJeen mes leguevee kejkes %eele keer peeleer
nw~ eefo Ssmeer DeeeqmleeeW kees Dehemeeceevelee kes eesie heeee peelee nw lees
uesKes ceW oMee&F& peevesJeeueer Dehemeeceevelee kee ceehe Gme DeefOeke jeefMe kes
DeeOeej hej efkeee peelee nw pees Deeeqmle kes Deieeveerle cetue Deewj Gmekes
Gefele cetue kes yeere kee Deblej nw~
10. efJeosMeer cege efJeefvecee oj ceW Gleej-e{eJe kee heYeeJe
10.1 efJeosMeer cege uesveosve
i. efJeosMeer cege uesveosve kees uesveosve keer efleefLe kees metefele cege
SJeb efJeosMeer cege kes yeere efJeefvecee oj keer efJeosMeer cege
jeefMe kes heeesie eje metefele cege ceW heejbefYeke efveOee&jCe hej
ope& efkeee ieee nw ~
ii. efJeosMeer cege ceewefke ceoeW keer metevee Yeejleere efJeosMeer
cege Jeeheejer mebIe (Hes[F&) keer Debeflece lelkeeue ojeW kes
heeesie mes oer ieF& nw ~
iii. efJeosMeer cege iewj-ceewefke ceoeW, pees DeJeefOeiele ueeiele kes
DeeOeej hej ueer ieF& nQ, keer metevee uesveosve keer efleefLe kees
heeefuele cege efJeefvecee oj kes heeesie mes oer ieF& nw ~
iv. efJeosMeer cege ceW cetueebefkele Deekeeqmceke oseleeDeeW keer
metevee Hes[F& keer Debeflece lelkeeue oj kes heeesie mes keer ieF&
nw ~
v. JeJemeee kes efueS jKeer ieF& yekeeee lelkeeue efJeosMeer
cege efJeefvecee leLee Jeeeoe mebefJeoeDeeW kees Fvekeer efveOee&efjle
heefjhekeJeleeDeeW kes efueS Hes[F& eje DeefOemetefele cege
efJeefvecee ojeW hej hegvecet&ueebefkele efkeee ieee nw Deewj
heefjCeeceer ueeYe ee neefve kees ueeYe Deewj neefve Keeles ceW
Meeefceue efkeee ieee nw~
vi. efJeosMeer cege Jeeeoe mebefJeoeDeeW, pees JeJemeee kes efueS
Dehesef#ele veneR nQ Deewj leguevehe$e keer efleefLe kees yekeeee nQ,
kee Debeflece lelkeeue oj hej cetueebkeve efkeee ieee nw~
Ssmeer Jeeeoe efJeefvecee mebefJeoe kes heejbYe mes Gle heerefceece
ee yes kees mebefJeoe keer heefjhekeJelee DeJeefOe kes Jee ee
Deee kes he ceW heefjMeesefOele efkeee ieee nw~
vii. ceewefke ceoeW kes efveOee&jCe mes Gle efJeefvecee Deblej jeefMeeeW
kees Gve ojeW, pees ojW DeejbYe mes ope& keer ieF& LeeR, mes efYeVe
ojeW hej Gme DeJeefOe, efpemeceW es ojW Gle ngF& nQ, kes Deee
ee Jee kes he ceW efoKeeee ieee nw~
viii. Kegues efJekeuhe Jeeues cege Jeeeoe uesveosve ceW efJeefvecee
ojeW ceW heefjJele&ve kes keejCe nesves Jeeues ueeYe / neefve kees
SkemeeWpe eqkeueDeeEjie neGme kes meeLe owefveke DeeOeej hej
efveheeve efkeee ieee nw Deewj Ssmes ueeYe / neefve kees ueeYe
Deewj neefve Keeles ceW oMee&ee ieee nw~
10.2 efJeosMeer heefjeeueve
10.
i.
ii.
iii.
iv.
v.
vi.
vii.
viii.
30
ke. Demeceekeefuele heefjeeueve
i. Demeceekeefuele efJeosMeer heefjeeueveeW keer oesveeW
ceewefke Deewj iewj-ceewefke efJeosMeer cege DeeeqmleeeW
SJeb oseleeDeeW leLee Deekeeqmceke oseleeDeeW kees
leguevehe$e efleefLe kees Hes[F& eje DeefOemetefele
Debeflece efJeefvecee ojeW hej efJeefvecee efkeee ieee nw~
ii. Demeceekeefuele efJeosMeer heefjeeueveeW keer Deee SJeb
Jee kee efleceener Deewmele keer Debeflece oj hej
efJeefvecee efkeee ieee nw~
iii. efveJeue efJeefveOeeve kes efveheeve nesves leke
Demeceekeefuele efJeosMeer heefjeeueveeW mes Gle
efJeefvecee Deblej-jeefMeeeW kee mebeeve efJeosMeer cege
heeblejCe Deejef#eleer ceW efkeee ieee nw ~
iv. efJeosMeer keeee&ueeeW/Deveg<ebefieeeW/mebege GeceeW
keer efJeosMeer cege ceW oMee&F& ieF& DeeeqmleeeW SJeb
oseleeDeeW kee efJeosMeer keeee&ueeeW/Deveg<ebefieeeW/
mebege GeceeW keer mLeeveere cege kes DeueeJee Gme
osMe kes efueS ueeiet neefpej ojeW kee heeesie kejles
ngS mLeeveere cege ceW efJeefvecee efkeee ieee nw~
Ke. meceekeefuele heefjeeueve
i.
a.
Non-integral Operations:
i.
ii.
iii.
iv.
b.
Integral Operations:
i.
ii.
iii.
11.
kece&eejer efnleueeYe
11.
Employee Benefits:
11.1
11.2
i.
31
i.
b.
c.
d.
e.
ii.
32
iii.
a.
b.
12.
Taxes on income
12.3 DeemLeefiele
12.4
Deee kej Jee Gvekeer ueeiet efJeefOeeeW kes Devegmeej cetue kebheveer
Deewj Gmekeer Deveg<ebefieeeW/mebege GeceeW kes Deueie-Deueie efJeeere
efJeJejCeeW ceW oMee&S ieS kej Jee keer kegue jeefMe nw~
13.
13.
13.1
13.2
kece keer ngF& heefle Mesej Deee en heoe|Mele kejleer nw efke eefo
heefleYetefleeeW DeLeJee Deve mebefJeoeDeeW kees Je<e& kes oewjeve peejer kejves
ee mebheefjJee|lele kejves kee efJekeuhe efueee ieee lees Mesej cetueeW ceW
efkeleveer keceer DeeSieer~ kece keer ngF& heefle Mesej Deee keer ieCevee
Je<e& kes Deble ceW yekeeee F&eqkeJeer MesejeW keer Yeeefjle Deewmele mebKee
Deewj kece mebYeeJevee Jeeues F&eqkeJeer MesejeW kes yeere leguevee kejkes
keer peeleer nw~
14.
14.
14.1
14.2 efvecveefueefKele
i.
ii.
i.
ii.
a.
b.
35
15.
SCHEDULE 18
Devegmeteer 18
NOTES TO ACCOUNTS:
uesKee-efhheefCeeeB:
A) Subsidiaries:
ke) Deveg<ebefieeeb
e
meb.
efveieceveosMe
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)
27)
28)
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
kevee[e
etSmeS
cee@jerMeme
Fb[esvesefMeee
etkes
Yeejle
Yeejle
Yeejle
me
vesheeue
cee@jerMeme
eEmeieehegj
S.
Name of the Subsidiary
No.
Country of
Incorporation
efheuee Je<e&
Previous
Year
75.07
75.07
1)
India
75.07
75.07
100.00
100.00
2)
India
100.00
100.00
92.33
92.33
3)
India
92.33
92.33
100.00
100.00
4)
India
100.00
100.00
75.01
75.01
5)
India
75.01
75.01
100.00
100.00
100.00
100.00
6)
India
100.00
100.00
100.00
100.00
7)
India
100.00
100.00
8)
India
100.00
100.00
9)
India
100.00
100.00
10)
India
71.56
71.56
100.00
100.00
71.56
71.56
100.00
100.00
11)
India
100.00
100.00
86.18
86.18
12)
India
86.18
86.18
92.60
98.15
13)
India
92.60
98.15
65.00
65.00
14)
India
65.00
65.00
15)
India
74.00
74.00
74.00
74.00
100.00
100.00
16)
India
100.00
100.00
100.00
100.00
17)
Canada
100.00
100.00
100.00
100.00
18)
USA
100.00
100.00
93.40
93.40
19)
Mauritius
93.40
93.40
76.00
76.00
20)
Indonesia
76.00
76.00
100.00
100.00
21)
U.K.
100.00
100.00
60.00
60.00
22)
India
60.00
60.00
India
63.00
63.00
63.00
63.00
23)
74.00
74.00
24)
India
74.00
74.00
25)
Russia
60.00
60.00
60.00
60.00
26)
Nepal
55.28
55.05
55.28
55.05
27)
Mauritius
63.00
63.00
63.00
63.00
100.00
100.00
Singapore
100.00
100.00
28)
Ssmeer kebheefveeeB pees MesejOeejke kejej kes Devegmeej mebege efveeb$eCe Jeeueer FkeeFeeb nQ~
efHej Yeer es `efJeeere efJeJejCeeW kee meceskeve' mes mebyebefOele SSme 21 kes Devegmeej mecesefkele
keer ieF& nQ keeeWefke Yeejleere ms yeQke keer Fve kebheefveeeW ceW 50% mes DeefOeke efnmmesoejer nw~
36
efveieceveosMe
1)
Yeejle
Yeejle
2)
3)
4)
5)
6)
6)
7)
8)
ie) meneesieer
e. meneesieer kee veece
meb.
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)
efheuee Je<e&
49.00
eEmeieehegj
yesjcegoe
Yeejle
Yeejle
Country of
Incorporation
Previous
Year
1)
India
49.00
49.00
2)
India
40.00
40.00
3)
India
45.00
45.00
India
45.00
45.00
40.00
Yeejle
Yeejle
Joint Ventures:
S.
Name of the Joint Venture
No.
45.00
45.00
45.00
45.00
4)
45.00
45.00
5)
45.00
45.00
Singapore
45.00
45.00
50.00
50.00
6)
Bermuda
45.00
45.00
7)
India
50.00
50.00
8)
India
50.00
50.00
50.00
50.00
50.00
50.00
C) Associates:
efveieceveosMe
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeejle
Yeteve
Yeejle
S.
Name of the Associate
No.
efheuee Je<e&
Country of
Incorporation
Previous
Year
35.00
1)
India
35.00
35.00
35.00
35.00
2)
India
35.00
35.00
35.00
35.00
3)
India
35.00
35.00
35.00
35.00
4)
India
35.00
35.00
35.00
35.00
5)
India
35.00
35.00
35.00
35.00
6)
India
35.00
35.00
35.00
35.00
7)
India
35.00
35.00
35.00
35.00
8)
India
35.00
35.00
35.00
35.00
9)
India
35.00
35.00
35.00
35.00
10)
India
35.00
35.00
35.00
35.00
11)
India
35.00
35.00
35.00
35.00
12)
India
35.00
35.00
35.00
35.00
13)
India
35.00
35.00
35.00
35.00
35.00
35.00
14)
India
35.00
35.00
35.00
35.00
15)
India
35.00
35.00
35.00
35.00
16)
India
35.00
35.00
35.00
35.00
17)
India
35.00
35.00
26.27
26.27
18)
India
35.00
35.00
35.00
35.00
32.32
32.32
19)
India
26.27
26.27
35.00
35.00
20)
India
35.00
35.00
29.22
29.22
21)
India
32.32
32.32
22)
India
35.00
35.00
29.22
35.00
20.00
20.00
23)
25.05
25.05
24)
25)
a.
b.
SBI Capital Markets Ltd. and SBI Funds Management Pvt. Ltd.,
subsidiaries of SBI, have invested an additional amount of ` 5 crore
each in SBI Pension Funds Pvt. Ltd. and no further investment is made
by SBI. Hence, the Groups stake in SBI Pension Funds Pvt. Ltd. has
reduced from 98.15% to 92.60%.
ke. SmeyeerDeeF& kewefHeue ceekexdme efue., pees Yeejleere ms yeQke keer Ske HetCe& mJeeefcelJe
Jeeueer Deveg<ebieer nw, ves Smeyeer DeeF& keer GHe-Deveg<ebieer mebmLeeDeeW SmeyeerDeeF& kewHe
efmekeegefjerpe efue. Deewj SmeyeerDeeF& kewHe (efmebieeHegj) efue. ceW eceMe ` 25.00
kejes[ Deewj ` 7.51 kejes[ keer Deefleefjkele F&efkeJeer Hetbpeer ueieeF&~
Ke. SmeyeerDeeF& keer Deveg<ebefieeeW SmeyeerDeeF& kewefHeue ceekexdme efue. Deewj SmeyeerDeeF&
Heb[dme cewvespeceW ee.efue. ceW mes eleske ves SmeyeerDeeF& HeWMeve Heb[dme ee. efue. ceW ` 5
kejes[ keer Deefleefjkele jeefMe kee efveJesMe efkeee Deewj SmeyeerDeeF& ves FmeceW Deewj efveJesMe
venerb efkeee~ FmeefueS mecetn keer SmeyeerDeeF& HeWMeve Heb[dme ee. efue. ceW efnmmesoejer
98.15% mes Iekej 92.60% jn ieF&~
37
India
29.22
Bhutan
20.00
20.00
India
25.05
25.05
ie. peerF& kewefHeue efyepevesme eesmesme cewvespeceW meefJe&mespe ee. efue., pees Yeejleere ms yeQke
kee Ske mebegkele Gece nw, ves Yeejleere ms yeQke kees SmeyeerDeeF& keer MesejOeeefjlee
(40%) kes DevegHeele ceW ` 141/- eefle Mesej keer oj mes 13,59,598 F&efkeJeer
MesejeW kes efueS JeeHemeer Kejero kee emleeJe efkeee nw~
Ie. Je<e& kes oewjeve, SmeyeerDeeF& ves Deewj osMe ceW efmLele yeQefkebie Deveg<ebefieeeW ves Gvekes eje
eeeesefpele efvecveefueefKele #es$eere ieeceerCe yeQkeeW ceW Deefleefje hetbpeer efveefJe keer
` kejes[ ceW
#es$eere ieeceerCe yeQke
jeefMe
1.17
efce]peesjce jue yeQke
9.14
ceOeebeue ieeceerCe yeQke
16.50
Glkeue ieeceerCe yeQke
4.95
GejKeb[ ieeceerCe yeQke
23.45
ceOeeje ieeceerCe yeQke
8.50
keeJesjer ieeceerCe yeQke
63.71
eesie
* Je<e& kes oewjeve Sve yeer DeeF& ves efvecveevegmeej leerve #es$eere ieeceerCe yeQkeeW ceW DeHevee efnmmee
efJekece kej efoee
` kejes[ ceW
#es$eere eeceerCe yeQke
yener cetue efJeee cetue
24.08
24.08
mecemleerHegj eeceerCe yeQke #es$eere
2.19
2.19
efJeefoMee YeesHeeue #es$eere eeceerCe yeQke
1.32
1.32*
HeJe&leere eeceerCe yeQke
27.59
27.59
eesie
* jeefMe 31 ceee& 2013 keer efmLeefle kes Devegmeej Deye leke HeeHle vener ngF& nw.
c.
d.
During the year, SBI and domestic banking subsidiaries has infused
the following additional capital in the Regional Rural Bank (RRBs)
sponsored by them :` In crores
Regional Rural Banks
Mizoram Rural Bank
Madhyanchal Gramin Bank
Utkal Grameen Bank
Uttarakhand Gramin Bank
Marudhara Gramin Bank
Kaveri Grameena Bank
Total
e.
Amount
1.17
9.14
16.50
4.95
23.45
8.50
63.71
During the year, SBI has off-loaded its stake in three RRBs as per
details given below:` In crores
Regional Rural Banks
Samastipur Kshetriya Gramin Bank
Vidisha Bhopal Kshetriya Gramin Bank
Parvatiya Gramin Bank
Total
Book Value
24.08
2.19
1.32
27.59
Sales Value
24.08
2.19
1.32*
27.59
e. Yeejle mejkeej eje peejer DeefOemeteveeDeeW kes Devegmeej SmeyeerDeeF& Deewj Fmekeer osMe ceW efmLele yeQefkebie Deveg<ebefieeeW eje Heeeesefpele #es$eere ieeceerCe yeQkeeW Deewj Deve yeQkeeW eje Heeeesefpele
#es$eere ieeceerCe yeQkeeW kes yeere efvecveefueefKele meceecesueve ngS:f.
In accordance with notifications issued by Govt. of India, the following amalgamations have taken place in between the Regional Rural Banks (RRBs)
sponsored by SBI & its domestic banking subsidiaries, and RRBs sponsored by other banks :-
Gve #es$eere eeceerCe yeQkeeW kes meceecesueve kee yeesj efvecveevegmeej nw efpeveceW Debleefjleer #es$eere eeceerCe yeQke SmeyeerDeeF& Deewj osMe ceW efmLele Gmekeer yeQefkebie Deveg<ebefieeeW eje eeeesefpele nQ-
The details of amalgamation of RRBs, where the transferee RRBs are sponsored by SBI and its domestic banking subsidiaries, are as below:-
Sr.
No.
1
Bank of Baroda
Yeejleere ms yeQke
Deeb yeQke
Andhra Bank
cewmetj ms yeQke
Madhyanchal Gramin
Bank
Yeejleere ms yeQke
1 veJebyej 2012
1 November 2012
Yeejleere ms yeQke
1 veJebyej 2012
1 November 2012
Yeejleere ms yeQke
1 veJebyej 2012
1 November 2012
1 veJebyej 2012
1 November 2012
Sponsor Bank of
transferee RRBs
Effective Date of
Amalgamation
Fueeneyeeo yeQke
Yeejleere ms yeQke
kee@HeexjsMeve yeQke
Corporation Bank
efJepeee yeQke
Vijaya Bank
etkees yeQke
UCO Bank
38
25 HejJejer 2013
25 February 2013
Gve #es$eere eeceerCe yeQkeeW kes meceecesueve kee yeesje efvecveevegmeej nw efpeveces Debleefjleer #es$eere eeceerCe yeQke SmeyeerDeeF& Deewj osMe ceW efmLele Gmekeer yeQefkebie Deveg<ebefieeeW eje eeeesefpele nQ
The details of amalgamation of RRBs where the transferee RRBs are not sponsored by SBI and its domestic banking subsidiaries, are as below:-
Sr.
No.
1
Yeejleere ms yeQke
etkees yeQke
8 Dekeletyej 2012
8 October 2012
UCO Bank
Yeejleere ms yeQke
etkees yeQke
Yeejleere ms yeQke
etkees yeQke
15 Dekeletyej 2012
15 October 2012
15 HejJejer 2013
15 February 2013
UCO Bank
UCO Bank
State Bank of India
1.2
SmeyeerDeeF& nesce HeeFveQme efue., pees SmeyeerDeeF& keer Ske meneesieer nw, keer
meceeheve eeefekee efoveebke 23 efmelebyej 2008 kees keesuekeelee Ge veeeeuee
ceW oeej keer ieF& Leer~ ceeveveere veeeeuee ves kebheveer kes meceeheve nsleg efveoxMe
osles ngS 31 ceee& 2009 kees Ske DeeosMe heeefjle efkeee nw~
1.3
yeQke Dee@He Yeteve efue., pees SmeyeerDeeF& kee meneesieer nw, hewjW yeQke mes efYeVe
uesKee Je<e& (iesiesefjeve kewueW[j Je<e&) kee Devegheeueve kejlee nw~ leovegmeej, Fme
meneesieer kes efJeeere efJeJejCe 31 efomebyej 2012 keer eqmLeefle kes Devegmeej leweej
efkeS ieS nQ~
2.
Mesej hetbpeer
2.1
Je<e& kes oewjeve, Yeejleere ms yeQke ves heefle Mesej ` 10/- cetue kes
1,29,88,697 Mesej, ` 2,302.78 heefle F&eqkeJeer Mesej kes vekeo heerefceece
hej kegue ` 3,004/- kejes[ ceW Yeejle mejkeej kees DeefOeceeveer Deeyebve kes
Debleie&le Deeyebefle efkeS~ Yeejle mejkeej mes heehle kegue ` 3,004/- kejes[ ceW
mes ` 12.99 kejes[ keer jeefMe Mesej kewefheue Keeles ceW leLee Mes<e ` 2,991.01
kejes[ keer Mesej heerefceece Keeles ceW Debleefjle keer ieF&~
2.2
2.3
2.4 ` 3.73
3.
kece&eejer - efnleueeYe
3.1.1
2.
Share capital:
2.1 During the year, SBI has allotted 1,29,88,697 shares of ` 10/each for cash at a premium of ` 2,302.78 per equity share
aggregating to ` 3,004/- crore under Preferential Allotment to
GOI. Out of the total subscription of ` 3,004/- crore received
from GOI, an amount of ` 12.99 crore was transferred to
Share Capital Account and ` 2,991.01 crore to Share Premium
Account.
SmeyeerDeeF& ves SmeyeerDeeF& jeFdme FMet 2008 kes Debleie&le jeskekej jKes ieS
MesejeW ceW mes kegue ` 6,93,240/- kes F&eqkeJeer Mesej ` 1,580/- heefle F&eqkeJeer
Mesej kes vekeo heerefceece kes meeLe ` 10/- heefle Mesej Jeeues 436 F&eqkeJeer
Mesej Deeyebefle efkeS~ heehle ngS `6,93,240/- kes kegue DebMeoeve ceW mes
`4,360/- Mesej hetbpeer Keeles ceW Deewj `6,88,880/- Mesej heerefceece Keeles
ceW Debleefjle efkeS~
2.2 SBI has allotted 436 equity shares of ` 10/- each for cash at
a premium of ` 1,580/- per equity share aggregating to
`6,93,240/- out of shares kept in abeyance under Right Issue
2008. Out of the total subscription of ` 6,93,240/- received,
` 4,360/- was transferred to Share Capital Account and
`6,88,880/- to Share Premium Account.
SmeyeerDeeF& ves jeFdme FMet kes Ske Yeeie kes he ceW peejer heefle ` 10/-kes
(efheues Je<e& 83,511) F&eqkeJeer MesejeW kee Deeyebve jeskekej jKee
nw, keeeWefke Fvekes nke efJeJeeo ee veeefeke heefeeeSB eue jner nQ~
2.3 SBI has kept in abeyance the allotment of 83,075 (Previous Year
83,511) Equity Shares of ` 10/- each issued as a part of Rights
issue, since they are subject to title disputes or are subjudice.
3.
Employee Benefits
3.1.1
3.1.1.1 The following table sets out the status of the Defined Benefit
Pension Plan and Gratuity Plan as required under AS 15
(Revised 2005):-
83,075
efkeS~
Sponsor Bank of
transferee RRBs
kejes[ kes Mesej efveie&ce mebyebOeer Kee& Mesej heerefceece Keeles kes veeces
39
efJeJejCe
efveele efnleueeYe - oeefelJe kes
Jele&ceeve cetue ceW heefjJele&ve
1 Dehewue 2012 kees heejbefYeke efveele
efnleueeYe oeefelJe
efJeuee Deewj DeefOeienCe hej oselee
Jele&ceeve mesJee ueeiele
yeepe ueeiele
efheueer mesJee ueeiele (efveefnle ueeYe)
yeerceebefkeke neefveeeb / (ueeYe)
heoe efnleueeYe
SmeyeerDeeF& yeQke eje hele#e Yegieleeve
31 ceee& 2013 kees Debeflece efveele
efnleueeYe oeefelJe
eespevee DeeeqmleeeW ceW heefjJele&ve
1 Dehewue 2012 kees eespevee DeeeqmleeeW
kee DeejbefYeke Gefele cetue
efJeuee Deewj DeefOeienCe DeeeqmleeeW kee
nmleeblejCe
eespevee DeeeqmleeeW hej heleeefMele
heefleueeYe
efveeeskeleeDees eje DebMeoeve
heoe efnleueeYe
eespevee yeerceebefkeke ueeYe / (neefveeeB)
31 ceee& 2013 kees eespevee DeeeqmleeeW
kes Gefele cetue kee FefleMes<e
oeefelJe kes Jele&ceeve cetue leLee
eespevee DeeeqmleeeW kes Gefele cetue
kee meceeOeeve
31 ceee& 2013 kees efveefOeke oeefelJe
kee Jele&ceeve cetue
31 ceee& 2013 kees eespevee DeeeqmleeeW
kee Gefele cetue
keceer/ (DeefOeMes<e )
uesKes ces veneR ueer ieF& efJeiele mesJee
ueeiele (efveefnle) FefleMes<e
efveJeue oselee / (Deeeqmle)
leguevehe$e ceW ueer ieF& jeefMe
oseleeSB
DeeeqmleeeB
leguevehe$e ceW Meeefceue efveJeue oselee /
(Deeeqmle)
Meeefceue veneR keer ieF& efheueer mesJee
ueeiele (efveefnle) Debeflece Mes<e
efveJeue oselee / (Deeeqmle)
ueeYe Deewj neefve Keeles ceW Meeefceue
efveJeue ueeiele
Jele&ceeve mesJee ueeiele
yeepe ueeiele
eespevee - DeeeqmleeeW hej heleeefMele
heefleueeYe
Meeefceue keer ieF& efheueer mesJee ueeiele
(HeefjMeesefOele)
heWMeve eespeveeSB
eeuet Je<e& efheuee Je<e&
kejes[ ceW
` in crores
ieseger
eeuet Je<e& efheuee Je<e&
Particulars
Pension Plans
Gratuity Plan
Current Year
Previous Year
Current Year
Previous Year
45,956.37
41,829.01
8,514.31
7,657.28
41,829.01
8,514.31
7,657.28
Nil
25.03
Nil
131.09
1,501.20
1,372.84
322.54
323.20
4,002.80
3,589.99
722.16
655.56
Nil
82.00
Nil
Nil
1,438.89
1,545.71
524.97
421.85
(556.85)
(1,556.33)
(796.75)
(674.67)
(2232.47)
(931.88)
Nil
Nil
50,109.94
45,956.37
9,287.23
Nil
25.03
Nil
131.09
1,501.20
1,372.84
322.54
323.20
Interest Cost
4,002.80
3,589.99
722.16
655.56
8,514.31
Nil
82.00
Nil
Nil
1,438.89
1,545.71
524.97
421.85
(556.85)
(1,556.33)
(796.75)
(674.67)
(2232.47)
(931.88)
Nil
Nil
50,109.94
45,956.37
9,287.23
8,514.31
35,877.71
22,890.06
7,153.07
5,427.96
22,890.06
7,153.07
5,427.96
Nil
25.03
Nil
2.16
Nil
25.03
Nil
2.16
3,082.04
1,947.08
608.73
462.84
Contributions by employer
5,737.17
11,797.59
1,547.54
1,770.95
Benefits Paid
(556.85)
(1,556.33)
(796.75)
(674.67)
163.83
575.26
774.28
82.66
163.83
7,153.07
44,715.33
35,877.71
8,595.25
7,153.07
1,947.08
608.73
462.84
5,737.17
11,797.59
1,547.54
1,770.95
575.26
44,715.33
(1,556.33)
774.28
35,877.71
(796.75)
82.66
8,595.25
3,082.04
(556.85)
(674.67)
45,956.37
9,287.23
8,514.31
50,109.94
45,956.37
9,287.23
8,514.31
44,715.33
35,877.71
8,595.25
7,153.07
5,394.61
10,078.66
691.98
1,361.24
374.19
424.49
303.18
442.42
5,020.42
9,654.17
388.80
918.82
Liabilities
50,109.94
45,956.37
9,287.23
8,514.31
Assets
44,715.33
35,877.71
8,595.25
7,153.07
5,394.61
10,078.66
691.98
1,361.24
44,715.33
35,877.71
8,595.25
7,153.07
5,394.61
10,078.66
691.98
1,361.24
Deficit/(Surplus)
374.19
424.49
303.18
442.42
5,020.42
9,654.17
388.80
918.82
Net Liability/(Asset )
50,109.94
45,956.37
9,287.23
8,514.31
44,715.33
35,877.71
8,595.25
7,153.07
5,394.61
10,078.66
691.98
1,361.24
374.19
424.49
303.18
442.42
5,020.42
9,654.17
388.80
918.82
1,501.20
1,372.84
322.54
323.20
4,002.80
3,589.99
722.16
655.56
374.19
424.49
303.18
442.42
5,020.42
9,654.17
388.80
918.82
1,501.20
1,372.84
322.54
323.20
(3,082.04)
(1,947.08)
(608.73)
(462.84)
187.10
151.91
151.59
136.53
40
4,002.80
3,589.99
722.16
655.56
(3,082.04)
(1,947.08)
(608.73)
(462.84)
187.10
151.91
151.59
136.53
efJeJejCe
Meeefceue keer ieF& efheueer mesJee ueeiele
(efveefnle efnleueeYe)
hetJe&Jeleea Je<eeX kes Deefleefje heeJeOeeve
keer heefleJee|lele jeefMe
Je<e& kes oewjeve Meeefceue efveJeue
yeerceebefkeke DeefmLeeeB (ueeYe)
efveele efnleueeYe eespeveeDeeW keer kegue
ueeiele Devegmeteer 16 `kece&eeefjeeW kees
Yegieleeve Deewj Gvekes efueS heeJeOeeve'
ceW Meeefceue keer ieF& nw.
eespevee DeeeqmleeeW hej heleeefMele
heefleueeYe Deewj JeemleefJeke
heefleueeYe kee meceeOeeve
eespevee DeeeqmleeeW hej heleeefMele
heefleueeYe
eespevee DeeeqmleeeW hej yeerceebefkeke
ueeYe / (neefve)
eespevee DeeeqmleeeW hej JeemleefJeke
heefleueeYe
leguevehe$e ceW Meeefceue efveJeue oselee
/ (Deeeqmle) kes heejbefYeke Deewj
Debeflece Mes<e kee meceeOeeve
1 Dehewue 2012 keer eqmLeefle kes Devegmeej
efveJeue heejbefYeke oselee
ueeYe Deewj neefve Keeles ceW Meeefceue
Jee
efJeuee Deewj DeefOeienCe Hej efveJeue
oselee
SmeyeerDeeF& eje meerOes Yegieleeve efkeee
ieee
efveeeseeDeeW kee DebMeoeve
efheueer mesJee ueeiele
leguevehe$e ceW Meeefceue efveJeue oselee/
(Deeeqmle)
heWMeve eespeveeSB
eeuet Je<e& efheuee Je<e&
kejes[ ceW
` in crores
ieseger
eeuet Je<e& efheuee Je<e&
Particulars
Previous Year
Current Year
Previous Year
Nil
Nil
Nil
82.00
Nil
Nil
Nil
(32.71)
Nil
Nil
Nil
(32.71)
Nil
Nil
863.63
771.43
442.31
258.02
863.63
771.43
442.31
258.02
3,472.69
3,988.38
1,029.87
910.47
3,082.04
1,947.08
608.73
462.84
575.26
774.28
82.66
163.83
3,657.30
2,721.36
691.39
626.67
9,233.55
17,953.63
854.05
1,600.54
3,472.69
3,988.38
1,029.87
910.47
Nil
Nil
Nil
128.93
3,472.69
3,988.38
1,029.87
910.47
1,947.08
608.73
462.84
575.26
774.28
82.66
163.83
626.67
3,657.30
9,233.55
2,721.36
17,953.63
691.39
854.05
1,600.54
3,472.69
3,988.38
1,029.87
910.47
Nil
Nil
Nil
128.93
(2,232.47)
(931.88)
Nil
Nil
Employers Contribution
(5,737.17)
(11,797.59)
(1,547.54)
(1,770.95)
283.82
21.01
52.42
(14.94)
5,020.42
9,233.55
388.80
854.05
(2,232.47)
(931.88)
Nil
Nil
(5,737.17)
(11,797.59)
(1,547.54)
(1,770.95)
283.82
21.01
52.42
(14.94)
5,020.42
9,233.55
388.80
854.05
Current Year
82.00
ceee& 2013 keer eqmLeefle kes Devegmeej ieseger efveefOe Deewj heWMeve efveefOe keer eespevee DeeeqmleeeW kes DeOeerve efkeS ieS efveJesMe efvecveevegmeej nQ:
yee oj
Gratuity Plan
Nil
31
efJeJejCe
Pension Plans
heWMeve efveefOe
ieseger efveefOe
eespevee DeeeqmleeeW eespevee DeeeqmleeeW
kee %
kee %
Category of Assets
Central Govt. Securities
31.78 %
23.93 %
22.10 %
15.50 %
41.49 %
35.95 %
0.32 %
18.35 %
4.31 %
6.27 %
Others
100.00 %
Total
100.00 %
Pension
Fund
% of Plan
Assets
Gratuity
Fund
% of Plan
Assets
31.78 %
23.93 %
22.10 %
15.50 %
41.49 %
35.95 %
0.32 %
18.35 %
4.31 %
6.27 %
100.00 %
100.00 %
heWMeve eespeveeSB
ieseger
eeuet Je<e& efheuee Je<e& eeuet Je<e& efheuee Je<e&
Particulars
Current
year
Gratuity Plans
Previous
year
Current
year
Previous
year
8.06% to 8.25% to 9%
8.50%
7.50% to
7.50% to
9.00%
8.60%
8.24% to
8.50%
7.50% to
8.75%
8.25% to
8.75%
7.50% to
8.60%
Discount Rate
8.06% to 8.25% to 9%
8.50%
8.24% to
8.50%
8.25% to
8.75%
7.50% to
9.00%
7.50% to
8.60%
7.50% to
8.75%
7.50% to
8.60%
3.50% to
5.60%
3.50% to
5.60%
3% to 6%
Salary Escalation
3.50% to
5.60%
3% to 6%
3.50% to
5.60%
3% to 6%
3% to 6%
41
YeeJeer Jesleve Je=ef kee hetJee&vegceeve, efpemekee yeerceebefkeke cetueebkeve IekeeW ceW
efkeee ieee nw, cegemHeerefle Jeefjlee, heoesVeefle leLee Deve mecye keejCeeW eLee
efveeespeve - yeepeej ceW Deehete|le Deewj ceebie keer eqmLeefle kees Oeeve ceW jKee ieee nw~
Fme hekeej kes Devegceeve Deleble oerIe& DeJeefOe kes efueS nQ Deewj Deleerle kes meerefcele
DevegYeJe /meefVeke YeefJe<e keer Dehes#eeDeeW hej DeeOeeefjle veneR nQ~ DevegYeJepeve
mee#e Yeer ener mebkesle kejles nQ efke Deleble oerIe& DeJeefOe kes oewjeve - meleled Ge
JesleveJe=ef kejles jnvee mebYeJe veneR nw efpeme hej uesKee-hejer#ekeeW ves Yejesmee efkeee
nw~
3.1.1.2 kece&eejer YeefJe<e efveefOe
Yeejleere ms yeQke YeefJe<e efveefOeveeme ceW yeepe keceer kes mebyebOe ceW yeerceebefkele
cetueve efkeee ieee nw~ efveOee&jke Heefle kes Devegmeej Metve oselee nw, FmeefueS
efJelle Je<e& 2012-13 ceW keesF& HeeJeOeeve veneR efkeee ieee nw~
SmeyeerDeeF& eje efveegkele mJeleb$e yeerkeebkeke eje efkeS ieS yeerceebefkele cetueve
kes Devegmeej YeefJe<e efveefOe keer efmLeefle veeres leeefuekee ceW oer ieF& nQ:` kejes[ ceW
Particulars
The following table sets out the status of Provident Fund as per
the actuarial valuation by the independent Actuary appointed by
SBI:` in crores
heWMeve eespeveeSB
eeuet Je<e&
efheuee Je<e&
Particulars
18151.73
529.97
531.83
1593.27
1492.66
654.91
654.49
784.39
649.98
19482.46
(2302.17)
(1998.23)
20742.83
19482.46
Previous Year
19482.46
18151.73
529.97
531.83
1593.27
1492.66
654.91
654.49
Actuarial losses/(gains)
784.39
649.98
Benefits paid
(2302.17)
(1998.23)
20742.83
19482.46
Interest Cost
18260.73
1593.27
1492.66
19729.16
18260.73
1186.32
1593.27
1492.66
Contributions
1184.88
1186.32
Benefits Paid
(2302.17)
(1998.23)
1184.88
(2302.17)
(1998.23)
1018.27
787.68
21223.41
19729.16
1018.27
787.68
21223.41
19729.16
19482.46
20742.83
19482.46
21223.41
19729.16
21223.41
19729.16
(480.58)
(246.70)
(480.58)
(246.70)
480.58
246.70
480.58
246.70
Deficit/(Surplus)
Net Asset not recognised in Balance Sheet
Net Cost recognised in the profit and loss account
529.97
531.83
1593.27
1492.66
(1593.27)
(1492.66)
529.97
531.83
Interest Cost
Expected return on plan assets
Interest shortfall reversed
Total costs of defined benefit plans included in Schedule 16
Payments to and provisions for employees
529.97
531.83
(529.97)
(531.83)
529.97
531.83
1593.27
1492.66
(1593.27)
(1492.66)
529.97
531.83
Employers Contribution
Provident Fund
Current Year
efHeues Je<e& kes Deebke[s kesJeue efjHes]pessMeve kes efueS efoS ieS nQ~
529.97
531.83
(529.97)
(531.83)
42
efmLeefle kes Devegmeej iesegef efveefOe Deewj HeWMeve efveefOe keer eespevee DeefmleeeW kes DeOeerve efkeS ieS efJeefveOeeve efvevceevegmeej nQ:
Provident Fund
HeWMeve efveefOe
eespevee DeeefmleeeW
kee %
Category of Assets
% of Plan
Assets
38.48%
38.48%
16.37%
16.37%
40.67%
40.67%
4.48%
eesie
100.00%
8.50%
8.50%
Guaranteed Return
8.25%
8.25%
Attrition Rate
2.00%
2.00%
mecetn eje (SmeeryeerDeeF& kees es[kej) YeefJe<e efveefOe eespevee kes Kee&
kes He ceW 26.88 kejes[ (efHeues Je<e& 27.22 kejes[) keer
jeefMe oMee&F& ieF& nw Deewj Fmes ueeYe SJeb neefve Keeles ceW `kece&eeefjeeW kees
Yegieleeve SJeb Gvekes efueS HeeJeOeeve' Meer<e& kes Debleie&le Meeefceue efkeee
ieee nw.
oerIe&keeueerve kece&eejer efnleueeYeeW kes mebyebOe ceW ` 885.98 kejes[ (efheues Je<e&
`644.60 kejes[) kee heeJeOeeve efkeee ieee nw Deewj Gmes ueeYe SJeb neefve Keeles ceW
`kece&eeefjeeW kees Yegieleeve Deewj Gvekes efueS heeJeOeeve' Meer<e& ceW Meeefceue efkeee ieee
nw~
Je<e& kes oewjeve, efJeefYeVe oerIee&JeefOe kece&eejer-efnleueeYeeW kes efueS efkeS ieS heeJeOeeveeW
kee efJeJejCe ;
8.50%
Guaranteed Return
8.25%
8.25%
Attrition Rate
2.00%
2.00%
8.50%
3.1.3
Discount Rate
3.1.2.1
Provident Fund
Current year Previous year
HeWMeve eespeveeSB
eeuet Je<e&
efHeuee Je<e&
3.1.2.2
efveele
100.00%
Particulars
yede oj
3.1.2
4.48%
Total
43
kejes[ ceW
3.1.5.1
3.1.5.2
Sl.
No.
Current Year
Previous Year
704.49
455.89
79.03
54.90
Sick Leave
14.64
92.93
43.79
6.41
5.51
13.92
Casual Leave
17.89
15.19
Retirement Award
20.63
5.36
885.98
644.60
Total
3.1.4 The employee benefits listed above are in respect of the employees
of the Group based in India. The employees of the foreign
operations are not covered in the above schemes.
3.1.5 Unamortised Pension & Gratuity Liabilities
ieseger
3.1.5.1 Gratuity
Yeejleere efj]peJe& yeQke kes efoveebke 9 HejJejer 2011 kes heefjhe$e meb.
[eryeerDees[er.yeerheer.yeermeer. 80/21.04.018/2010-11 kes Devegmeej,
Yeejleere ms yeQke Deewj Gmekeer osMeere yeQeEkeie Deveg<ebefieeeW ves 31
ceee& 2011 kees meceehle efJee Je<e& mes Meg kejkes 5 Je<e& keer DeJeefOe
kes efueS ieseger keer meercee ceW Je=ef efkeS peeves kes keejCe Deefleefje
oselee kees heefjMeesefOele kejves kee efJekeuhe egvee nw~ leodvegmeej, mecetn
eje ` 212.23 kejes[ keer jeefMe 31 ceee& 2013 kees meceehle Je<e& keer
meceevegheeefleke jeefMe kes he ceW ueeYe SJeb neefve Keeles ceW efoKeeeer ieeer
nw~ 31 ceee& 2013 kees ` 422.43 kejes[ keer DeheefjMeesefOele oselee
Gheeg&e heefjhe$e kes Devegmeej meceevegheele ceW heefjMeesefOele keer peeSieer~
heWMeve
osMeere yeQeEkeie Deveg<ebefieeeW ves 31 ceee& 2011 kees meceehle efJee Je<e& ceW
efoS ieS heWMeve efJekeuhe kes mebyebOe ceW efJee 31 ceee& 2013 kees
meceeHle Je<e& kes efueS ueeYe Deewj neefve Keeles ceW ` 360.47 kejes[ keer
jeefMe efoKeeF& nw~ en heWMeve efJekeuhe Gve kece&eeefjeeW kees efoee ieee
nw efpevneWves hetJe&Jeleea heWMeve eespevee kes efueS efJekeuhe veneR efoee Lee Deewj
Fmekeer jeefMe 31 ceee& 2011 kees meceeHle Je<e& mes Meg kejkes 5 Je<eeX
ceW HeefjMeesefOele keer pee jner nw~ `720.40 kejes[ keer Mes<e jeefMe Ge
heefjhe$e ceW efoS ieS efveosMeeW kes Devegmeej meceevegheele ceW efoKeeF& peeSieer~
3.1.5.2 Pension
3.2
Keb[ metevee
3.2.1 Keb[ DeefYeefveOee&jCe
ke) heeLeefceke (JeJemeee Keb[)
efvecveebefkele Keb[eW kee DeefYeefveOee&jCe/hegveJe&ieeakejCe heeLeefceke
Keb[eW kes he ceW efkeee ieee~
- kees<e
- keejheesjs / Leeske yeQeEkeie
- Kegoje yeQeEkeie
- yeercee JeJemeee
- Deve yeQeEkeie JeJemeee
44
3.2
Segment Reporting
3.2.1
Segment identification
- Treasury
- Retail Banking
- Insurance Business
yeQke keer Jele&ceeve uesKee-efveOee&jCe Deewj metevee heefle ceW Ghejese Keb[eW mes mecye
Deebke[e mebienCe Deewj efve<ke<e&Ce keer he=Leke heefeee meeqcceefuele veneR nw~ leLeeefhe,
efjhees& kejves keer Jele&ceeve mebieveelceke Deewj heyebOekeere mebjevee, GveceW meefVeefnle
peesefKece Deewj heefleueeYe kes DeeOeej hej Jele&ceeve cetue - Keb[eW kes Deebke[eW keer
efvecveJele ieCevee keer ieF& nw:
ke) kees<e kees<e Keb[ ceW mecemle efJeefveOeeve hees&Heesefueees Deewj efJeosMeer
efJeefvecee Deewj [sjerJesefJme mebefJeoeSbb Meeefceue nQ~ kees<e Keb[ keer Deee
cetuele Jeeheej - heefjeeueveeW kes Meguke Deewj Fmemes nesves Jeeues ueeYe /
neefve leLee efJeefveOeeve hees&Heesefueees keer yeepe Deee hej DeeOeeefjle nw~
Ke) keejheesjs / Leeske yeQeEkeie keejheesjs / Leeske yeQeEkeie Keb[ kes Debleie&le
keejheesjs uesKee mecetn, ceOe keejheesjs uesKee mecetn Deewj leveeJeiemle
Deeeqmle heyebOeve mecetn keer $eCe ieefleefJeefOeeeB meeqcceefuele nQ~ Fvekes eje
keejheesjs Deewj mebmLeeiele ieenkeeW kees $eCe Deewj uesveosve mesJeeSB heoeve
keer peeleer nQ~ Fvekes Debleie&le efJeosMe eqmLele keeee&ueeeW/FkeeFeeW kes iewj
- kees<e heefjeeueve Yeer Meeefceue nQ~
ie)
Kegoje yeQeEkeie Kegoje yeQeEkeie Keb[ kes Debleie&le je^ere yeQeEkeie mecetn keer
MeeKeeSB Deeleer nQ~ Fve MeeKeeDeeW kes keee&keueehe ceW je^ere yeQeEkeie mecetn
mes mecye keejheesjs ieenkeeW kees $eCe GheueyOe kejeves meefnle Jeweefeke
yeQeEkeie ieefleefJeefOeeeB Meeefceue nQ~ SpeWmeer JeJemeee Deewj SerSce Yeer Fmeer
mecetn ceW Deeles nQ~
Ie)
*)
Deve yeQeEkeie JeJemeee Ssmes KeC[ pees Gheeg&e (ke) mes (Ie) kes
Debleie&le heeLeefceke KeC[ kes he ceW Jeieeake=le veneR efkeS ieS nQ, GvnW
Fme heeLeefceke KeC[ kes Debleie&le Jeieeake=le efkeee ieee nw~ Fme KeC[ ceW
mecetn keer SmeyeerDeeF& ueeFHe FbMeesjWme keb. efue. Deewj SmeyeerDeeF& pevejue
FbMeesjWme keb. efue. kees es[kej meYeer iewj-yeQeEkeie Deveg<ebefieeeW/mebege
GeceeW kes heefjeeueve Meeefceue nQ~
b)
c)
d)
e)
B)
a)
b)
C)
D)
ke)
Ke) efJeosMeer heefjeeueve kes Debleie&le - Yeejle mes yeenj heefjeeefuele MeeKeeSB,
Deveg<ebefieeeB Deewj mebege Gece leLee Yeejle ceW heefjeeefuele mecegheejere
yeQeEkeie FkeeFeeB Deeleer nQ~
ie)
Kegoje yeQefkebie Keb[ eeLeefceke mebmeeOeve mebenCe FkeeF& nw~ keejHeesjs/Leeske yeQefkebie
Deewj kees<e Keb[ kees Kegoje yeQefkebie Keb[ mes efveefOeeeB eeHle nesleer nQ~ yeepeej mes
mebyebefOele efveefOe DeblejCe keercele efveOee&jCe (SceDeejSHeerHeer) DeHeveeee peelee nw,
efpemekes Debleie&le efveOeereve keW veece mes Ske Deueie FkeeF& me=efpele keer ieF& nw~
efveOeereve keW FkeeF& Gve efveefOeeeW keer Devegceeefveke Kejeroejer kejleer nw pees JeJemeee
FkeeFeeW eje peceejeefMeeeW ee GOeejeW kes He ceW pegeF& peeleer nQ Deewj en Deeefmleme=peve ceW mebueive JeJemeee FkeeFeeW kees efveefOeeeW keer Deevegceeefveke efyeeer Yeer
kejleer nw~
Ie)
keejheesjs keW keer mebmLeeheveeDeeW ceW efkeS ieS Jee pees meerOes keejheesjs/ Leeske
Deewj efjsue yeQeEkeie heefjeeueve Keb[ DeLeJee kees<e heefjeeueve Keb[ mes mebyebefOele nQ,
45
leovegmeej Deeyebefle efkeS ieS nQ~ meerOes mebyebOe ve jKeves Jeeues Jee heleske Keb[ kes
kece&eeefjeeW keer mebKee/meerOes mebyebOe jKeves Jeeues Jee kes Devegheele kes DeeOeej hej
Deebyeefle efkeS ieS nQ~
meceie Gece mes mebyebefOele Ssmeer Deee Deewj Jee efpevnW efkemeer Keb[ kees Deeyebefle
kejves kee leee|keke DeeOeej veneR nw, GvnW ``Deveeyebefle Jee'' kes Debleie&le Meeefceue
kej efoee ieee nw~
JeJemeee KeC[
Business Segment
Deee
Revenue
33,722.31
(31,780.04)
Corporate /
Wholesale
Banking
65,688.06
(56,017.05)
82,613.11
(72,593.56)
Deve yeQefkebie
Heefjeeueve
Business
Other Banking
Operations
15,264.65
(13,932.27)
2,798.89
(2,350.39)
Unallocated Revenue
2,00,087.02
(1,76,673.31)
2,00,559.83
(1,76,888.97)
kegue Deee
Total Revenue
Result
TOTAL
472.81
(215.66)
Deveeyebefle Deee
HeefjCeece
Elimination
3,909.10
(-622.73)
10,440.31
(9,336.06)
14,161.86
(18,598.40)
560.15
(528.14)
900.09
(814.59)
29,971.51
(28,654.46)
-4,089.70
(-4,185.51)
25,881.81
(24,468.95)
Unallocated Income(+)/Expenses()
net
Operating Profit (PBT)
7,558.82
(8,639.50)
kej
Taxes
(-)
DemeeOeejCe ueeYe/neefve
Extraordinary Profit/Loss
18,322.99
(15,829.45)
231.68
(143.85)
638.44
(630.20)
17,916.23
(15,343.10)
Deve metevee :
Other Information:
Keb[ oseleeSB
Segment Assets
4,78,747.98
(4,55,509.50)
8,16,405.69
(6,45,797.28)
7,52,700.48
(6,53,360.45)
54,933.15
(48,967.47)
10,473.87
(9,058.01)
19,897.17
(17,263.46)
Deveeyebefle DeeefmleeeB
Unallocated Assets
21,33,158.34
(18,29,956.17)
kegue oseleeSB
Total Assets
Keb[ oseleeSB
Segment Liabilities
21,13,261.17
(18,12,692.71)
2,72,060.80
(2,56,921.38)
6,69,288.50
(5,06,927.45)
9,45,349.61
(8,49,091.39)
51,845.39
(46,312.21)
7,158.38
(6,157.75)
19,45,702.68
(16,65,410.18)
62,422.64
(58,315.98)
Deveeyebefle oseleeSB
Unallocated Liabilities
20,08,125.32
(17,23,726.16)
kegue oseleeSB
Total Liabilities
46
osMeer Heefjeeueve
efJeosMeer Heefjeeueve
eesie
Domestic Operations
Foreign Operations
TOTAL
1,91,233.82
(1,69,182.00)
9,326.01
(7,706.97)
2,00,559.83
(1,76,888.97)
26,485.50
(25,570.72)
3,486.01
(3,083.74)
29,971.51
(28,654.46)
DeeefmleeeB
18,86,124.68
(16,31,595.81)
2,47,033.66
(1,98,360.36)
21,33,158.34
(18,29,956.17)
oseleeSB
17,63,888.25
(15,27,911.77)
2,44,237.07
(1,95,814.39)
20,08,125.32
(17,23,726.16)
Deee
Revenue
HeefjCeece
Results
Assets
Liabilities
i)
Deee/Jee Hetjs Je<e& nsleg nw~ DeeefmleeeW /oseleeDeeW kee efJeJejCe efoveebke 31 ceee& 2013 kee nw~
ii)
3.3
3.3.1
Income/Expenses are for the whole year. Assets/Liabilities are as at March 31, 2013.
Figures within brackets are for previous year
A)
JOINT VENTURES:
Ke) meneesieer
i)
B) ASSOCIATES:
i)
1.
2.
3.
4.
5.
6.
47
7.
8.
9.
ii)
Deve
ii) Others
1.
2.
3.
4.
5.
uesKee ceeveke (SSme) 18 kes Devegso 9 kes Devegmeej `mejkeej eje efveebef$ele
Gece' kes he ceW mebyebefOele he#eeW kes mebyebOe ceW keesF& hekeerkejCe Dehesef#ele veneR nw~
uesKee ceeveke 18 kes Devegso 5 kes Devegmeej hecegKe heyebOeve keee|ceke leLee Gvekes
mebyebefOeeeW kes yeejs ceW yeQkej-ieenke mebyebOe keer heke=efle Jeeues uesveosve kee hekeerkejCe
Dehesef#ele veneR nw~
3.3.2 Related Parties with whom transactions were entered into during
the year:
48
` in crores
kejes[ ceW
eesie
efJeJejCe
Je<e& 2012-13 kes oewjeve uesveosve
eeHle yeepe $
eoe yeepe $
ueeYeebMe kes He ceW Deefpe&le
Deee $
Deve Deee $
Deve Jee $
eyebOeve mebefJeoe $
(-)
(-)
(-)
(0.04)
1.06
(1.29)
15.22
(-)
21.24
(12.15)
231.22
(177.87)
227.98
(156.04)
(-)
(-)
0.95
(0.68)
21.24
(12.15)
231.22
(177.87)
228.93
(156.72)
150.03
(126.54)
13.16
(5.58)
(-)
(-)
150.03
(126.54)
13.16
(5.58)
41.55
(42.91)
(-)
0.18
(14.70)
(-)
(-)
(-)
41.55
(42.91)
(-)
0.18
(14.70)
Particulars
pecee oseleeSb #
eeHe jeefMeeeB
efveJesMe #
Deefece #
Deve Deeefmleeeb #
Key
Management
Personnel &
their relatives
Total
(0.04)
1.06
(1.29)
15.22
(-)
21.24
(12.15)
231.22
(177.87)
227.98
(156.04)
(-)
(-)
(-)
(-)
(-)
0.95
(0.68)
(0.04)
1.06
(1.29)
15.22
(-)
21.24
(12.15)
231.22
(177.87)
228.93
(156.72)
150.03
(126.54)
13.16
(5.58)
(-)
(-)
150.03
(126.54)
13.16
(5.58)
41.55
(42.91)
(-)
0.18
(14.70)
(-)
(-)
(-)
41.55
(42.91)
(-)
0.18
(14.70)
ose jeefMeeeB
pecee #
Associates/
Joint Ventures
Other Liabilities#
Receivables
Investments#
Advances #
Other Assets #
These are no material significant related party transactions during the year.
3.4 Leases:
Finance Leases
Particulars
Total Minimum lease payments
outstanding
Less than 1 year
1 to 5 years
5 years and above
Total
Interest Cost payable
Less than 1 year
1 to 5 years
5 years and above
Total
Present value of minimum lease
payments payable
Less than 1 year
1 to 5 years
5 years and above
Total
49
Current
Year
Previous
Year
4.69
12.73
17.42
2.58
7.19
9.77
1.51
2.16
3.67
0.22
0.16
0.38
3.18
10.57
13.75
1.82
6.08
7.90
Heefjeeueve Hede*
Operating Lease*
Heefjeeueve Heds Hej efueS ieS HeefjmejeW kes efJeJejCe veeres emlegle efkeS ieS nQ
efJeJejCe
kejes[ ceW
eeuet Je<e&
efHeuee Je<e&
` in crores
Particulars
Current
Year
Previous
Year
1 Je<e&
leke
192.38
137.94
192.38
137.94
1 Je<e&
575.01
412.14
575.01
412.14
5 Je<e&
mes DeefOeke
171.25
104.01
171.25
104.01
kegue
938.64
654.09
Total
938.64
654.09
Fme Je<e& kes ueeYe SJeb neefve Keeles ceW ueer ieF& Hede
YegieleeveeW keer jeefMe
211.24
139.16
211.24
139.16
heefjeeueve heeW ceW cegKe he mes keeee&uee heefjmej Deewj meHe DeeJeeme Meeefceue nQ
pees mecetn FkeeFeeW kes efJekeuhe kes Devegmeej veJeerkejCe eesie nQ~
3.5
yeQke ves uesKee ceeveke 20 - `heefle Mesej Gheepe&ve' kes Devegmeej heleske F&eqkeJeer Mesej
hej cetue Deewj kece keer ieF& Deee keer metevee oer nw~ Je<e& kes oewjeve, kej heeeled efveJeue
ueeYe DeuheebMe kees es[kej yekeeee F&eqkeJeer MesejeW keer Yeeefjle Deewmele mebKee mes
Deueie kejkes heefle Mesej `cetue Deee' keer ieCevee keer ieF& nw~
efJeJejCe
eeuet Je<e&
Particulars
efheuee Je<e&
Current Year
Previous Year
67,10,44,838
63,49,98,991
1,29,89,133
3,60,45,847
The Bank reports basic and diluted earnings per equity share in
accordance with Accounting Standard 20 - Earnings per Share.
Basic earnings per share is computed by dividing consolidated
net profit after tax (other than minority) by the weighted average
number of equity shares outstanding during the year.
67,10,44,838
63,49,98,991
1,29,89,133
3,60,45,847
68,40,33,971
67,10,44,838
68,40,33,971
67,10,44,838
67,14,72,052
63,51,96,258
67,14,72,052
63,51,96,258
67,14,72,052
63,51,96,258
17,916.23
15,343.10
266.82
241.55
266.82
241.55
10.00
10.00
kece keer ieF& heefle Mesej Deee keer ieCevee kes efueS
heege Yeeefjle Deewmele MesejeW keer mebKee
67,14,72,052
63,51,96,258
17,916.23
15,343.10
266.82
241.55
266.82
241.55
10.00
10.00
3.6
i)
Je<e& kes oewjeve, DeemLeefiele kej meceeeespeve kes eje ` 701.09 kejes[ efheues
Je<e& ` 691.65 kejes[ pecee efkeS ieS Les, ueeYe Deewj neefve Keeles ceW veeces efkeS
ieS~
50
i)
During the year, ` 701.09 crore has been credited [Previous Year
` 691.65 crore has been debited] to Profit and Loss Account by
way of adjustment of deferred tax.
hecegKe ceoeW ceW DeemLeefiele kej Deeeqmle Deewj oselee kee ceoJeej efJeJejCe efvecve
leeefuekee ceW efoee ieee nw:
` kejes[ ceW
efJeJejCe
31 ceee& 2013 31 ceee& 2012
keer eqmLeefle
keer eqmLeefle
kes Devegmeej kes Devegmeej
DeemLeefiele kej DeeeqmleeeB
Jesleve mebMeesOeve kes keejCe oerIe&keeueerve kece&eejer
128.03
efnleueeYeeW kes efueS heeJeOeeve
oerIe&keeueerve kece&eejer efnleueeYeeW kes efueS HeeJeOeeve #
2474.34
2187.55
Deeue DeeefmleeeW Hej cetuendjeme
16.31
36.35
Devepe&ke DeeefmleeeW kes efueS HeeJeOeeve
362.78
128.01
Deve
588.12
618.87
eesie
3569.58
2970.78
DeemLeefiele kej oseleeSB
14.01
16.12
Deeue DeeeqmleeeW hej cetueneme
heefleYetefleeeW hej yeepe
3257.14
2008.95
Deve
423.23
736.62
eesie
3694.38
2761.69
(124.80)
209.09
efveJeue DeemLeefiele kej DeeeqmleeeB/ (oseleeSB)
# FmeceW Yeejleere ms yeQke kes kece&eeefjeeW kes DeJekeeMe vekeoerkejCe kes efueS eeJeOeeve
jeefMe ceW mes ` 922.15 kejes[ keer DeemLeefiele kej pecee Meeefceue nw pees SmeyeerDeeF& ves eeuet
Je<e& ceW yegke keer nw (FmeceW 31 ceee& 2012 leke keer DeJeefOe mes mebyebefOele ` 783.62kejes[
keer jeefMe Meeefceue nw~
3.7 DeeeqmleeeW keer Dehemeeceevelee
yeQke heyebOeve keer eq ceW, Je<e& kes oewjeve, DeeeqmleeeW keer Dehemeeceevelee kee keesF& Ssmee
ceeceuee veneR nw efpeme hej uesKee ceeveke 28 - `DeeeqmleeeW keer Dehemeeceevelee' ueeiet
nes~
3.8
ii)
ii)
Particulars
Deferred Tax Assets
Provision for Defined Benefit Schemes on account of
Wage Revision
Provision for long term employee Benefits #
Depreciation on Fixed Assets
Provision for non performing assets
Others
Total
Deferred Tax Liabilities
Depreciation on Fixed Assets
Interest on securities
Others
Total
Net Deferred Tax Assets/(Liabilities)
As at
31-Mar-2013
As at
31-Mar-2012
128.03
2474.34
16.31
362.78
588.12
3569.58
2187.55
36.35
128.01
618.87
2970.78
14.01
3257.14
423.23
3694.38
(124.80)
16.12
2008.95
736.62
2761.69
209.09
# This includes ` 922.15 crore being deferred tax credit arising out
of provision for leave encashment for employees of SBI (Including
` 783.62 crore relating to period upto March 31, 2012) which SBI has
booked in the current year.
3.7 Impairment of assets:
Break up of provisions
` in crores
efJeJejCe
ke) kejeOeeve kes efueS heeJeOeeve
- Jele&ceeve kej
- DeemLeefiele kej
- Deveg<ebieer ueeYe kej
- Deve kej
Ke) Devepe&ke DeeeqmleeeW kes efueS heeJeOeeve
ie) hegvemejefele DeeeqmleeeW kes efueS heeJeOeeve
Ie) ceeveke DeeeqmleeeW hej heeJeOeeve
*) efJeefveOeeveeW ceW cetueeme kes efueS eeJeOeeve
e) Deve DeeefmleeeW kes efueS eeJeOeeve
kegue
(kees<ke kes Deebke[s esef[ oMee&les nQ~)
eeuet Je<e&
8,258.02
(701.09)
(34.06)
35.96
13,443.45
1,463.11
1,090.71
(950.12)
(6.85)
22,599.13
a)
efheuee Je<e&
7,959.87
691.65
(20.41)
8.39
14,040.08
169.90
1,304.76
875.18
(145.48)
24,883.94
Current Year
Previous Year
- Current Tax
8,258.02
7,959.87
- Deferred Tax
(701.09)
691.65
(34.06)
(20.41)
35.96
8.39
13,443.45
14,040.08
c)
1,463.11
169.90
d)
1,090.71
1,304.76
e)
(950.12)
875.18
f)
Other Provisions
Total
(6.85)
(145.48)
22,599.13
24,883.94
efJeJejCe
ke) DeLeMes<e
Ke) Je<e& kes oewjeve HeefjJeOe&ve
ie) Je<e& kes oewjeve DeenjCe eje keceer
Ie) Debeflece Mes<e
Particulars
kejes[ ceW
eeuet Je<e&
efheuee Je<e&
479.22
479.21
b)
kejes[ ceW
` in crores
a)
b)
c)
d)
0.01
479.22
479.22
Floating provisions:
51
Particulars
Opening Balance
Addition during the year
Draw down during the year
Closing balance
Current Year
479.22
479.22
Previous Year
479.21
0.01
479.22
c)
ece efJeJejCe
meb.
1
mecetn kes efJe
Ssmes oeJes pees
$eCe kes he ceW
DeefYemJeerke=le
veneR nQ.
mebef#ehle efJeJejCe
Sr.
No
Particulars
Brief Description
JeJemeee keer meeceeve heefeee ceW cetue kebheveer Deewj Gmekes Ieke
efJeefYeVe keee&JeeefneeW ceW Ske he#e nQ~ mecetn kees Ssmeer Gcceero veneR
nw efke Fve keee&JeeefneeW kes heefjCeece kee leeeqlJeke heefleketue heYeeJe
mecetn keer efJeeere eqmLeefleeeW, heefjeeueve heefjCeeceeW ee vekeoer heJeeneW
hej he[siee~
Claims against
the Group not
acknowledged as
debts
Liability on
account of
outstanding
forward
exchange
contracts
Guarantees
given on behalf
of constituents,
acceptances,
endorsements
and other
obligations
d)
yekeeee Jeeeoe
mecetn Deheves efvepeer Keeles Deewj ieenkeeW keer Deblej-yeQke menYeeefielee
efJeefvecee mebefJeoeDeeW mes efJeosMeer efJeefvecee mebefJeoe, cege efJekeuhe, Jeeeoe oj kejej,
kes keejCe oseleeSB cege efJeefvecee leLee yeepe oj efJeefvecee kejlee nw~ Jeeeoe efJeefvecee
mebefJeoeDeeW keer heefleyelee efJeosMeer cege kees YeefJe<e ceW mebefJeoeiele oj
hej Kejeroves ee yeseves kes efueS nw~ cege efJeefveceeeW keer heefleyeleeSB
hetJe& efveOee&efjle ojeW kes DeeOeej hej Ske cege kes efJehejerle otmejer cege
keer yeepe / cetue jeefMe kes he ceW efJeefvecee vekeoer heJeen kes efueS
nQ~ yeepe oj efJeefvecee keer heefleyeleeSB eqmLej efJeefvecee SJeb DeeqmLej
yeepe oj vekeoer heJeen kes efueS nQ~ Deevegceeefveke jeefMeeeB, efpevnW
Deekeeqmceke oseleeDeeW kes he ceW ope& efkeee ieee nw, mebefJeoeDeeW kes
yeepe DebMe kes heefjkeueve nsleg vetvelece ceeheob[ kes he ceW heege
efJeefMe jeefMeeeB nw~
ieenkeeW, efyeueeW SJeb Deheves JeeefCeeqpeke yeQeEkeie keee&keueehe kes Debleie&le mecetn Deheves
ngbef[eeW, hejebkeveeW ieenkeeW keer Deesj mes heuesKeer $eCe Deewj ieejber heoeve kejlee nw~
leLee Deve oeefelJeeW heuesKeer $eCe mes mecetn kes ieenkeeW keer $eCe DeJeeqmLeefle ye{leer nw~
keer Deesj mes oer ieF& ieejbefeeB meeceevele yeQke keer Deewj mes Deue DeeMJeemeve nesleer nQ efke
ieejbefeeB
eefo eenke DeHeves efJeeere ee efve<Heeove oeefelJeeW kees HetCe& kejves ceW
DemeHeue neslee nw, lees yeQke Ssmeer efmLeefle ceW Gvekee Yegieleeve kejsiee~
Deve ceoW efpevekes mecetn efJeefYeVe kej efveOee&jCe ceeceueeW, efpevemes mecye DeheerueW
efueS mecetn
efJeeejeOeerve nQ, kee Ske he#e nw~ mecetn keer Deesj mes Fve hej heefleJeeo
Deekeeqmceke he mes efkeee pee jne nw Deewj Fvekes efueS keesF& heeJeOeeve veneR efkeee ieee nw~
efpeccesoej nw~
hegve mecetn ves JeJemeee keer meeceeve heefeee ceW MesejeW kee DeefYeoeve
kejves kes Jeeeos efkeS nQ~
kejes[ ceW
efheuee Je<e&
92.81
99.24
79.83
78.06
490.21
477.23
e)
ke)
Ke)
ie)
Ie)
DeLeMes<e
Je<e& kes oewjeve heefjJeOe&ve
Je<e& kes oewjeve DeenjCe ceW keceer
Debeflece Mes<e
477.23
456.05
a)
mes peerJeve yeercee Deewj meeOeejCe yeercee Deveg<ebefieeeW kes efJeefveOeeve yeQkeeW eje Devegheeueve
keer pee jner uesKeekejCe veerefle kes Devegmeej efHej mes Meeefceue ve kejkes yeercee
efJeefveeeceke Deewj efJekeeme heeefOekejCe (efJeefveOeeve efJeefveece) 2000 kes Devegmeej
uesKeeW ceW efoKeeS ieS nQ~ yeercee Deveg<ebefieeeW kes efJeefveOeeve 31 ceee& 2013 kees kegue
efJeefveOeeve kee ueieYeie 9.33% efHeues Je<e& 9.42%) jns~
5 Yeejleere efjpeJe& yeQke kes heefjhe$e [eryeerDees[er eceebke yeerheer.yeermeer.
42/21.01.02/2007-08 kes efveosMeevegmeej efj[ercesyeue efheHejWme MesejeW (eefo keesF&
neW) kees oselee ceevee ieee nw Deewj Gve hej Yegieleeve efkeS peeves Jeeues ketheve kees yeepe
ceevee ieee nw~
6 DeeF&meerSDeeF& eje peejer meeceeve mheerkejCeeW kees Oeeve ceW jKeles ngS - mecesefkele
efJeeere efJeJejCe keer eLeeleLelee Deewj Gheegelee hej keesF& heYeeJe ve nesves kes keejCe
GmeceW cetue kebheveer Deewj Deveg<ebefieeeW kes Deueie efJeeere efJeJejCeeW ceW GequueefKele Ssmeer
meebefJeefOeke meteveeDeeW kee pees cenlJehetCe& veneR nQ, eneb mecesefkele efJeeere efJeJejCeeW ceW
hekeerkejCe veneR efkeee ieee nw~
52
Opening Balance
Current Year
Previous Year
477.23
456.05
b)
92.81
99.24
c)
79.83
78.06
d)
Closing balance
490.21
477.23
In accordance with RBI circular DBOD NO.BP.BC.42/21.01.02/200708, redeemable preference shares (if any) are treated as liabilities
and the coupon payable thereon is treated as interest.
Yeejleere yeQke mebIe eje meome yeQkeeW keer Deesj mes DeefKeue Yeejleere keeceieej mebIeeW
kes meeLe efkeee ieee veewJeeb efHe#eere mecePeewlee 31 Dekeletyej 2012 kees meceeHle nes
ieee~ 01 veJebyej 2012 mes ueeiet nesves Jeeues Jesleve mebMeesOeve kejej kee efve<Heeove nesves
leke Yeejleere ms yeQke Deewj Gmekeer osMe ceW efmLele Deveg<ebefieeeW ves Je<e& kes oewjeve
`960.53 kejes[ kee eeJeOeeve efkeee nw~
peneb Yeer DeeJeMeke Lee efJeiele Je<e& kes Deebke[eW kees eeuet Je<e& kes Deebke[eW mes legue
yeveeves kes efueS hegveme&cetefnle Deewj hegveJe&ieeake=le efkeee ieee nw~ Ssmes ceeceueeW ceW peneb
Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej hekeerkejCe henueer yeej efkeS
ieS nQ - efheues Je<e& kes Deebke[eW kee GuuesKe veneR efkeee ieee nw~
(Sme. efJeMJeveeLeve)
(S. Vishvanathan)
meveoer uesKeekeej
Chartered Accountants
Yeeieeroej
(efoJeekej iegHlee)
(Diwakar Gupta)
(Hemant G. Contractor)
(eleerHe eewOejer)
(Pratip Chaudhuri)
DeOe#e
Chairman
53
Partner
meomelee eceebke / M. No. 075899
/ Firm Registration No. 002180 C
keesuekeelee, 23 ceF&, 2013
Place : Kolkata,
Date : 23rd May, 2013
efJeJejCe / PARTICULARS
Year ended
31.03.2013
`
Year ended
31.03.2012
`
25475,05,21
23982,59,19
1577,49,23
1371,60,74
40,53,82
47,01,40
(Investing Activity)
(A)
(2861,82,55)
583,26,05
(594,91,28)
1369,65,79
14906,55,70
14209,97,61
1090,70,76
1304,75,75
(950,11,72)
875,18,08
(6,83,56)
(145,47,34)
(244,54,53)
(146,14,16)
4706,74,29
4584,94,51
78,86,98
12,85,34
43217,72,35
48050,22,96
212713,21,08
159126,91,68
45485,85,12
13953,09,73
(53953,40,34)
(44585,14,78)
(243844,38,49)
(171478,63,02)
24278,85,49
(16803,43,81)
642,31,59
(7659,12,12)
28540,16,80
(19396,09,36)
(4442,36,90)
(10718,04,52)
24097,79,90
(30114,13,88)
(83,79,38)
(125,64,00)
244,54,53
146,14,16
(3579,99,11)
(2339,75,41)
(3419,23,96)
(2319,25,25)
(Ke)
54
(B)
efJeJejCe / PARTICULARS
Year ended
31.03.2013
`
Year ended
31.03.2012
`
3000,34,14
7891,30,87
75,13,60
1175,15,60
(42,20,00)
(4706,74,29)
(4584,94,51)
(2645,16,40)
(2151,43,88)
(104,90,81)
(121,23,54)
(Sme. efJeMJeveeLeve)
(ie)
(C)
(4423, 53,76)
2208,84,54
(Ie)
(D)
1381,87,57
2487,91,96
17636,89,75
(27736,62,63)
127590,82,85
155327,45,48
145227,72,60
127590,82,85
(S. Vishvanathan)
meveoer uesKeekeej
Chartered Accountants
Yeeieeroej
(efoJeekej iegHlee)
(Diwakar Gupta)
(Hemant G. Contractor)
(eleerHe eewOejer)
(Pratip Chaudhuri)
DeOe#e
Chairman
55
Partner
meomelee eceebke / M. No. 075899
/ Firm Registration No. 002180 C
keesuekeelee, 23 ceF&, 2013
Place : Kolkata,
Date : 23rd May, 2013
esef<eleer
efveosMeke yees[&,
Yeejleere ms yeQke
1. nceves Yeejleere ms yeQke (Fme yeQke), Fmekeer Deveg<ebefieeeW, meneesefieeeW Deewj
mebegkele GeceeW (Fme mecetn) keer 31 ceee& 2013 keer efmLeefle kes Devegmeej
mebueive mecesefkele legueve-He$e Deewj Gmeer leejerKe kees meceeHle Je<e& kes mecesefkele
ueeYe SJeb neefve Keelee leLee mecesefkele vekeoer eJeen efJeJejCe Deewj cenlJeHetCe&
uesKee veerefleeeW kes meejebMe Deewj Fve mecesefkele efJeeere efJeJejCeeW ceW meefcceefuele
Deve efJeJejCeelceke metevee keer uesKee Hejer#ee keer nw Gkele eqJeeere efJeJejCeeW ceW
efvecveefueefKele kes uesKes Meeefceue nw :
i. nceejs meefnle 14 (eewon) mebegkele uesKee-Hejer#ekeeW eje uesKeeHejeref#ele yeQke kes Keeles,
ii. Deve uesKee-Hejer#ekeeW eje uesKee Hejeref#ele 27 (meeeF&me) Deveg<ebefieeeW,
24 (eewyeerme) meneesefieeeW Deewj 8 (Dee) mebegkele GeceeW kes
uesKeeHejeref#ele Keeles,
iii. 1 (Ske) Deveg<ebieer, Deewj 1 (Ske) meneesieer kes DeuesKeeHejeref#ele
Keeles~
2. nceves 13 Deve mebegkele uesKee Hejer#ekeeW kes meeLe yeQke kes efJeeere efJeJejCe
keer uesKee-Hejer#ee keer nw, efpevekes efJeeere efJeJejCeeW ceW 31 ceee& 2013 kees
`15,66,261 kejes[ keer kegue DeeefmleeeB Deewj ` 1,35,692 kejes[ keer kegue
Deee Deewj Fmeer leejerKe kees meceeHle Je<e& kes efueS `17,657 kejes[ keer jeefMe
kes efveJeue vekeoer eJeen efoKeeS ieS nQ~
3. nceves Fvekeer Deveg<ebefieeeW, meneesefieeeW Deewj mebegkele GeceeW kes efJeeere efJeJejCeeW
keer uesKee Hejer#ee veneR keer, efpeveceW 31 ceee& 2013 kees ` 5,81,754 kejes[ keer
kegue DeeefmleeeB Deewj ` 67,029 kejes[ keer kegue Deee Deewj Gmeer leejerKe kees
meceeHle Je<e& kes efueS `2,480 kejes[ kes efveJeue vekeoer yeefnie&ceve efoKeeS ieS
nQ~ es efJeeere efJeJejCe nceW emlegle efkeS ieS nQ Deewj peneb leke Deve FkeeFeeW
kes mebyebOe ceW Meeefceue jeefMeeeW kee meJeeue nw, Gvekes yeejs ceW nceeje DeefYecele
HetCe& He mes Deve uesKee-Hejer#ekeeW eje emlegle efjHees& Hej DeeOeeefjle nw~
4. 1 (Ske) Deveg<ebieer, Deewj 1 (Ske) meneesieer kes DeuesKeeHejeref#ele efJeeere
efJeJejCeeW, efpeveceW 31 ceee& 2013 kees `3,427 kejes[ keer kegue DeeefmleeeB,
`157 kejes[ keer kegue Deee Deewj Gmeer leejerKe kees meceeHle Je<e& kes ` 47
kejes[ kes efveJeue vekeoer yeefnie&ceve eoefMe&le efkeS ieS nQ, HeyebOeve HeceeefCele
efJeeere efJeJejCeeW kes DeeOeej Hej mecesefkele efkeS ieS nQ~
efJeeere efJeJejCeeW kes efueS eyebOeve keer efpeccesoejer
5. Fve efJeeere efJeJejCeeW keer leweejer kes efueS eyebOeve efpeccesoej nw pees Yeejleere
meveoer uesKeekeej mebmLeeve eje efveOee&efjle uesKee ceeveke-21-``mecesefkele efJeeere
efJeJejCe'', uesKee ceeveke-23 ``mecesefkele efJeeere efJeJejCe ceW meneesefieeeW ceW
efveJesMe kee uesKee'' Deewj uesKee ceeveke-27- ``mebegkele GeceeW ceW efnle keer
efJeeere efjHees&'' Deewj Yeejleere efj]peJe& yeQke keer DeHes#eDeeW kes Devegmeej nQ Deewj
yeQke keer efJeeere efmLeefle, efJeeere efve<Heeove Deewj vekeoer eJeen kee mener SJeb
mHe< efe$e emlegle kejles nQ~ Fme efpeccesoejer ceW efJeeere efJeJejCeeW keer leweejer
Deewj emlegefle mes mebyebefOele Deebleefjke efveeb$eCe keer DeefYekeuHevee, keeee&vJeeve
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To
The Board of Directors,
State Bank of India
1.
i.
ii.
2.
3.
4.
Auditors Responsibility
6.
56
7.
8.
Opinion
9.
(b) in the case of the consolidated Profit and Loss Account, of the
consolidated profit of the Group for the year ended on that
date; and
Matter of Emphasis
10. Without qualifying our opinion, we draw attention to :
Notes 3.1.5.1 and 3.1.5.2 regarding deferment of gratuity and pension
liabilities of the Bank and its domestic subsidiaries to the extent of
` 422.43 crore and ` 720.40 crore respectively pursuant to the exemption
granted by the Reserve Bank of India to the public sector banks from of
application of the provisions of Accounting Standard (AS) 15, Employee
Benefits vide its circular no. DBOD. BP.BC/80/21.04.018/2010-11.
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